Sorry to poke this thread specially reading ethics comment. You are hypocrite. As I read your thread बुडी को साथी संग , it has been recently refreshed shows what you are and who you are .  You giving a lecture on moral to others?

Those honest employee gets monthly salary, सन्चय कोश as 401 k र निब्र्तिभरण at the end.  Retirement is calculated with formula and get monthly for  their life. Now a days it is  deposited directly to saving accounts. You can cash when you go home or you car write a check to somebody to cash it.