where sure retiree medical plan that is your 401(k) and it is important to start young. i am preaching to acquire. i know. >> [inaudible] the areas are groups doing this type of trading anybody that you point to as a model? >> mcdonald's is doing a great job working with their employees and have the interesting model to go to somebody different points of access but also have a great matching program. a few years ago they made sure everybody and restaurant managers were enrolled in the 401(k) to insure there were not losing out with automatic enrollment the boosted income to you alleviate any

pain they may feel from having been automatically enrolled. i think it went from 50 up at 90% participation. >> what we see most successful is a combination of plan designed so automatic enrollment the appropriate help managed accounts delivered without bias or conflict of interest that is where we see the greatest success and there have been large companies that have high participation rates and well diversified employees but it takes a lot of focus and work and it isn't easy but it they spend a lot of time and energy and

money on these initiatives. >> with the clarification and you encourage employees to maintain that relationship when the employee leaves the company to pay back the loan but isn't it correct senator kohl would not mandate but just add flexibility to allow the company to extend to allow the employee to pay back the loan over a period of time? >> what it does is plan sponsors have the relationship to do that today but it allows participants to have more time without creating and a continued relationship between the employee and employer so it is up to them to repay its into a qualified vehicle of theron

to get the same objective without prolonging the relationship. excellent point*. think zero. other questions? >> i want