Great stuff, but I think it's really a post in response to relatively short retirement age that is only getting shorter. It's not as though we are any healthier, the reality is although more people might be reaching old age, a large portion of that is with poor health, is that really living? Wouldn't you sooner retire in the prime of your life and enjoy retirement closer to your peak? Of course it would never work as every individual is different, some men at 70 are fitter than people 20 years younger, but, there has to be a cut off, it would be impossible to assess people individually.