joining me now is allen but ka advice the senior controller and john whitelaw of senior legal services of philadelphia. thanks so much for being with us. allen, let's begin with you. this was your department study. the numbers we just mentioned, that's where they came from, and it turns out that a big reason why this is happening is because more than half the people working in philadelphia don't have access to a retirement plan through their employer. >> that's right. 54% have no plan. they couldn't save for retirement if they wanted to, and that's one of the suggestions that come out of the report, that we administratively set up some plans so people who are transferring between different employers have the ability when they transfer jobs to save for retirement and the possibility of having some auto ira plans in which employers that right now don't even have a check-off or a withholding program for retirement would be required to have it for their employees. >> and, john, i would imagine that if an employer isn't offering a retirement plan, like a 401(k), as we mentioned, it's got to