If I have time, maybe I could also listen to the speakers about the discussion. Lots of learnings that can be used in the future. A lot of large companies have been hit hard by today's recession, and one of the measures they're taking to cut expenditures is to scale back or eliminate matching contributions to employee's 401(k) retirement accounts.  If this is an employee straight out of college, it might not be such a big deal, but workers nearing retirement having a cessation of contribution into the 401(k) retirement accounts can be a serious problem.  The 401(k), along with Roth IRAs, is the most common retirement savings and investment method.  If employers don't resume making any 401(k) retirement accounts contributions any time soon, a lot of people will need debt relief after retirement, when they shouldn't be worrying about anything.