60 pages. "Changing the design of workplace retirement plans is crucial. By including features such as automatic enrollment and automatic escalation, employers already play a large role in some countries... Reforms to employer retirement plans and labor laws can ... remove obstacles to people working longer. These reforms at a minimum should include incentives for participation in employer retirement plans, facilitating better decision-making through access to advice, information and guidance, as well as workplace changes to permit people to continue to work productively past normal retirement age."