Retirement income option

A computer controlled machine for generating an option contract that provides a hedge against fluctuations in a planned prospective retirement income funding source comprising:

• a personal computer programmed to evaluate stored personal information and the terms of [See FIG. 1 and Paragraph [0121] an option contract that provides a hedge against fluctuations in the benefits provided by said planned prospective retirement income funding source [Paragraphs [0023]-[0025];
• the option contract based upon the purchaser's current age and the anticipated retirement benefits at the time the option is purchased [Paragraph [0023], for example1].
• 1It is commonly understood by those of ordinary skill in the art are passed upon a negotiated future benefit when the option is purchased.