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You do understand that DB is a collective scheme and DC its not just you.

Your DB pension is funded by those that came before you and those coming after.

I'd love to hear how someone would intonate a statement beginning with 'you do understand' if they said it to me in meatspace.

Sorry I should have phrased that better for those whose first language isn't English.

Its phrasing in that sense would be similar to "Dude your making a big mistake"

Where and when.