"The Administration's case for strengthening ERISA via the [DOL's] proposed conflict of interest rule is compelling. It quantifies the macro level harms in billions of dollars to millions of retirement account holders. Yet there is too little candid personal discussion from individual investors about their concerns. This silence is not because investors are unconcerned.... Deeply held views discourage open and personal discussion about personal finance just as discussion of sexual orientation was once considered taboo. Yet new attitudes have started to undermine old taboos."