The pension bill that was passed by Congress recently had a provision in it that allows employers to create savings plans with an opt-out provision. That is, an employee is put into the savings plan unless they explicitly request to be let off.
There's a lot of research which suggests that that opt-out type approach, that most people will stay in the saving plan, and you get very significantly effects that way...
One, one might consider, I suppose, using the existing Social Security system. There was a big debate here in Congress, of course, about so-called carve-out accounts, et cetera. Something that might be less controversial possibly would be an add-on account, whereby individuals had a chance through their payroll saving -- through their payroll taxes to contribute to an independent account that would be in their name.
In the Q&A session