I think it has left people worried. For many years, people didn't appreciate the positive aspects of defined benefit plans. Now that they might lose them, people are concerned.

I'm very excited by the breadth and number of ideas.

Without engaging in a lengthy court proceeding.

It's a chance for us to stop and focus people on the need. It's a chance to discuss how to keep moving the ball forward.

We want to remove barriers for people to save for retirement, and automatic enrollment really addresses one of the problems that people face: They may be overwhelmed with the responsibility of saving for retirement.

It's critical that people begin to think about and plan for retirement.

People pay a lot of attention to their Social Security statements.

This is something that our people in the field have been seeing quite a bit. More small businesses are adopting financial planning, but when they fail, there is no process in place.

And that has really taken off in the market place.