The Wall Street financial crisis that swept over the economy like a rip tide has had some long-lasting effects. It sucked away home value, investments and nest eggs. People near retirement age need to make up for their losses in a hurry. But for most, those resources weren't adequate in the first place. 61-year-old Bob Scherry figured he had a pretty good retirement program when he was a sheet metal worker, in the 1980s. His company provided a pension plan that squirreled away money for employees in their golden years.