Have you noticed the lack of leg room on more and more flights? The big 4 airlines (American, United, Southwest, and Delta) have been putting the pedal to the metal on a technique known as “upgauging,” in which airlines increase capacity by adding seats on existing jets and replacing smaller planes with larger ones. They are cramming in more seats, and cutting flights. The Department of Justice is investigating collusion among the Big 4. Steve and Sinclair review what's happening per the Wall Street Journal. In the Q & A segment, Steve provides the A's and outlines a logical process for choosing the right annuity. With bonds paying next to nothing and banks even worse, many investors who would never have considered an annuity, are suddenly saying no to bond funds and yes to annuities, especially this very unique type of annuity.