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Spartacus Has Rodney Benjamin actually advised against DC schemes, or is he merely pointing out that they aren't perfect? The bulk of the population have DC schemes. Is it not more a case of which is the lesser of the evils? There may well be some disadvantages to DC schemes, but the affordability issue to the employer is eradicated. The CARE scheme is clearly a halfway house. I think it is rather stretching it to interpret Rodney's comments in the way that you are.