"[T]he IRS doesn't call it auto-enrollment, they refer to it as an 'automatic contribution arrangement.' And thus, the acronyms, like 'ACA' (for automatic contribution arrangement), often mystify people. Additionally, there are actually three types of auto-enrollment; and the acronyms used are quite similar to one another (i.e., ACA, EACA, QACA). Thus, we can eliminate any last hope of anyone other than of attorneys following along.... Here are the three different types of auto-enrollment, in plain English[.]"