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You know what bothers me? The assumptions. Seems like worst case scenerios. Also, 1 pension a very old one with few people left in it is the problem. Not the newer ones which are well funded. So, fix the police/fire 1. That should be the brain storming going on It drags the whole system down. Notice the article says Warwick is doing better compared to most other towns and cities in the state Now lets talk politics. A lot can happen in the next 5 years. We could see a new president who knows. Depending on who is elected has a lot to do with the nation-wide health care system. If any democrat gets in we all know what they are saying such as universal health care "free". So OPEB numbers will change again !! The stock market has been record high for 3 years yet estimates of these study is low end returns. If new hires get promised less benefits then that will save money. Key word new.