If I remember from another post you made, your father in law worked for Shell. If that's the case, they are more than well off. I would not be going out on a limb to say they take care of their employees better than any other company (not just in the O&G industry, but across all jobs in our region). Their pension was outstanding. Most pensions now-a-days are watered down from the past, but some companies still have them along with the 401K plans. Shell matchs 10% in their 401K plans. That shirt adds up over time!