premise: <hypo>, she'd have read about how powerful dividends can be in a retirement portfolio and would have gleaned a few recommended hefty-dividend-payer picks, too: Heinz (NYSE:HNZ), British banks Lloyds (NYSE:LYG), Barclays (NYSE:BCS), and small insurer Montpelier Re (NYSE:MRH).
hypothesis: <hypo> should be "If McCarty had been subscribing to Rule Your Retirement this past October"