Bobert, I think most companies now, even small ones, have some sort of investment or retirement plan. I work for a non-profit with 25 employees, and we do. Likewise the place where Mister works, although he opted out of the program. For people who are self-employed, investment/retirement plans, like insurance, may be harder to come by - but the hardships of self-employment warrant their own thread. I have long believed that there are too many restrictions/roadblocks to self-employment, when self-employment needs to be ENCOURAGED. That's another story, though.

But about the drugs - pharmaceutical companies already spend tons of money in free samples and other handy-dandy promotional products. And who really needs another post-it pad, or cheap ballpoint, with a drug ad on it? They should think about rerouting those promotional dollars in a way that will help people who really need help.