If the company ever issues retirement income products, add the 

	following to the articles of association.



if any employee feels at any time that any of the company's 

	products do not offer the best value to the general 
	
	public, they may issue a challenge. (mentioning the

	product and some details). This must be investigated by 

	a panel of five junior-level employees who do not know 

	each other (2 to 3 years experience). If at least one 
	
	person on the panel thinks that the statement is true, 

	the employee should receive a sum of money equal to 13 

	times their annual salary.






