"[T]he new proposal is a model of rational policymaking.... On the selection of funds that offer so-called collateral benefits, it says these funds can be chosen as long as they serve the financial interests of the plan equally as well as alternatives. On QDIAs, ... it says funds that incorporate climate change and ESG considerations should not be disadvantaged or disallowed. On proxy voting and other shareholder activities, it says these tools should be used in a prudent manner to enhance the long-term value of the plan."