is this going to become deridde? they are eroding more and more. but what about 401ks?thing about this for the compensation issue. when we talk about the erosion of the compensation and the wages of earning less this is a tricky way of this happening. so you have your benefits package actually going down if you're one of those who falls into the category of leaving too early. gerri: let's talk about this. there is another issue here as well. because i love dollar cost averaging and putting money in the market and i think the end results are better. >> that is a okay. the year versus a one-time periods of you over 10 years you have hundreds of dollars of cost averaging opportunities versus maybe 20. so as we know the markets go up and down quite a lot. and so the average employee will lose out on that. gerri: what you tell people who are facing this if you are an aol employee or if you work at ibm, what should they be doing to counteract this? >> there is not much they can do. it's described by the benefits department. how is aol treating their employees? and they are ho