> they invest in retirement and pension funds, who in turn invest the money in businesses to earn a return
maybe not a popular opinion but, this is the original sin imo; putting retirement/pension on the market makes for so many perverse incentives to keep things growing at any cost...you create money based on debt, and eternal growth, and devalue savings, and force people to bet in order to try to preserve savings value, then each ten or fifteen years you allow someones to harvest the rewards of the casino.
And when population start to decrease (on developed countries), you rise the alarm, "more population is needed due to the decline in the birth rate", promoting an eternal growth that would need the resources several planets if everyone had a decent standard of living.
You need to know previously the word to write from Hepburn to Kana when "ō" is present because data is lost in such transliteration from おう or おお or オー to Hepburn.
The internet is full of romanji written incorrectly with "o" alone when it should be "ou" or "oo" due "ō" ASCII conversion errors at one moment.
(The sooner a beginner embrace Hiragana and Katakana, the better)