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PBGC calculates pension liabilities based on what it would cost to pay retirement benefits if the plans were terminated ; companies give snapshots of the current health of their plans , often a rosier view . But here 's where teens have a real advantage over us adults that grew up without computers ( * gasp ! Have students read the section , " Why Gunpowder ? Spontaneously throughout the working class districts combat units were formed and barricades erected .