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The (K)oncept Plan: Designing Defined Contribution Plans That Work for Employees
Steven J. Lansing in 401kHelpCenter.com 
Feb. 16, 2004
Excerpt: [W]e will discuss numerous commitment devices that can be used to help people behave in a way that is conducive to their long-term financial security. There are many heuristic tools (short cuts) that can be employed to finesse participants into actions they acknowledge are desirable but seem unwilling to take.
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