 What replaces it? Well, you know, the pensions are mainly gone. They used to work for a company for 40 years, 30 or 40 years, and then they'd pay you forever through retirement until you died. Now, a 401k is basically the company saying it's up to you to save for your own pension. You have to save on your own. And if they don't give you a match, that's even putting you further behind.