dh, Please explain what you mean by 'talked out of unions' and into 401k's. One doesn't have anything to do with the other. Unions try to make a co. share the wealth, and a 401k is a retirement plan provided by the company. You put so much in and the co. matches it. Explain your problem. SVU still has the union and it still has a 401k plan. It might be a good idea to learn Spanish if the gov't continues with its open border policy. You might even get to work for less than MW.