At work, the whole team discussed pension reforms, calculated how much the pension will be, will live / will not live. Obviously we will not survive, and if we survive, we will get a gulkin har. And they decided that we are moving from a completely white ZP to a white minimum (and some have decided to make 0.5 rates), and everything else from the previous ZP including the amounts that went to taxes and all kinds of pensions will be issued in black.