Karen Thurman: “One of the other things we have found, not maybe with the Galveston but just generally, particularly when we are using…”

“One of the other things we have found, not maybe with the Galveston but just generally, particularly when we are using another form of an IRA 401(k), those kinds of issues, again, this comes back to women. In many cases, if they only work maybe 4.7 years at one job, therefore, for many companies they cannot even vest or participate in any kind of a retirement system outside of social security, which creates one problem for them. Then say that they get into that situation and they do have an opportunity to vest in something like this, or they have put some money aside in an IRA. Women are the first ones that give up that security to give security to their other family members. So if they have a child that needs to go to school, it becomes an education benefit for their child. If maybe they need a house or a down payment, they are the first ones to give up that security that would be used for themselves in that later time of retirement. So again, here is another little pitfall that happens for women in these situations.”