] A default can also be a sort of endorsement. Employees
] see the forms that are presented to them by authority
] figures and then infer that someone with more expertise
] has concluded that the default - whether to save, or not
] to save - is a good idea.
]
] Beyond simple inertia and deference, opting in to a
] 401(k) also sets off a series of complicated decisions -
] about investment allocation and long-term planning.
] Complexity turns people off.

disease management for financial technique?