How to respond to this and stay humble? Not sure I can. It is too easy to solve/fix!

[Fire your current CFOs for not sharing this with you.]

Lets start with the pension fund problem. There are tens if not hundreds of thousands Of employees in companies that have retired and will soon or are now, eligible for Pensions. And there are the same number of employees yet to be hired that seek Pension funds FOR THEIR future that they want the company to pay for. OK. The company can afford both if the cash flow is handled differently!

Lets start with future pension fund requirements; the easiest to solve. The CFO needs to Buy 20, 25 and 30 yr zero coupon bonds and put them into a trust acct. Problem solved.

Now, for those already retired. The company helps each person have their own small company as they make use of their retirement. For those who have just retired, the company can both create with the employee an ESOP with the employees new mini company and borrow against it and buy more zeros and put in trust for the employee.

That solves the pension fund situation. The company can hire one of many biz brokers Who can help the company buy applicable companies and if the employees do not want to run them, if in fact, the employees want to purely stay NON-employed but having money coming in monthly, the biz broker and atty can then sell these companies to others and give a note to the employee equaling a pension fund check every month!

That solves hundreds of millions of dollars in pension fund costs at almost no cost to the employer.

Now on to medical expenses. Actually easier to finance! It can provide 100% medical Care for all employees without any deductible! Either in a joint venture or by themselves, the major employer finds an empty hospital and buys it. IF necessary, the company finds a large empty building and buys and converts to a hospital.

The employer hires only those doctors who will work for average wage rates and the hospital will not staff with hundreds of employees but with 2x skeleton crews. The hospital can choose to service ONLY employees of these companies or it can service the public.

Thus, instead of having monster health care plan hospitals that pay their CEOs millions of dollars a year, these hospitals will have no CEOs at all and directors who earn Wages like the average worker who is being served.

The cost to the Fortune 500 company will be way less than it is paying now and if it chooses to service the community as well, its costs could be reimbursed by those customers.

Additionally, the hospitals can become training facilities and especially they can become Research facilities! [giving the parent company[s] patents for immediate and future revenues too.

[These hospitals can include vision and dental services as well].