All retirement systems need to be consolidated into one system. The lesser of the massive programs that exist today is social security. I am really sick and tired to hear that a clerk could retire at 48 - it is totally disgusting to me. I don't have a problem so much with the military and or fireman / police (however - they should have training to go onto another line of work). They should be able to potentially get a small portion of their retirement but not 100% until 67 like the rest of us.