People find conspiracy theories very appealing. It speaks to the human condition. The way we have been shaped determines what we select to hear and what we think is probable.

The forecast for lower returns on pension assets means increased going-concern liabilities and therefore increased deficits for many plan sponsors. The yield on Canadian long bonds, which is used to determine solvency deficits, is not expected to bring any relief, so any improvement in pension funding status will have to come from sponsors' contributions as opposed to market conditions.

With a single digit equity market return, a flat yield curve and the weak funding status of many pension plans, sponsors should brace themselves for another tough year.

You can live a lifetime and, at the end of it, know more about other people than you know about yourself

In Africa people learn to serve each other. They live on credit balances of little favors that they give and may, one day, ask to have returned.

We have ground for believing that a noble form of socialism existed among the prehistoric and primitive people on this planet, the people that broke into restless groups after the ancient Deluge and went wandering over the globe. For we find a socialist tendency in all the barbaric tribes of earth.