Buy Outs will be around March-April 2009,Ford should lower the buy-out option from 55 to 50 ,so people that want to take buy-outs of their insurance can do so,take the 140,000 upon leaving the company,better yet offer employees a 35,000-50,000 thousand dollars bonus to leave the company with a 50-10 retirement program,Ford would get plenty to leave with either program and benefit from the lower wage employees,lower insurance coverage,401 instead of the retirement program,look at the possibiliies Ford could save,,,