you know, this is gonna be a big change. >> we wanted to ask david wray, who's been so bullish on 401ans, one last question about what the future holds for people like terry and donna mcnally and kathleen coleman, who you met at the beginning of this story. >> dedicated, loyal. i can be there. there's nothing standing in my way. >> thanks. >> thank you. need a babysitter? [laughter] >> most of the people that we've talked to who are 50 and 60 years old... >> right. >> and have sustained these losses say there is no way they're ever gonna make them back. >> right. >> do you agree with that? >> i think we have to be truth tellers. i think that when a person has hit this point, and we've had this unfortunate situation, i don't think we can misrepresent what the possibilities are. >> and reality is, that money's not coming back that they've lost. >> they can't count on it. they have to--it may. maybe they have long--maybe if they work ten more years, it'll come back by the-- but it's important that they not have unrealistic expectations. >> george miller lost his house chairmanship as a r