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If I’ve learned anything from the past week (or ever), it’s to never anticipate effectual planning from Washington. Something always gets caught under the wagon wheel.

Take, for example, when a recent Wall Street Journal article examined a potentially flawed design in the Pension Protection Act of 2006. WSJ reports the law’s encouragement of automatic enrollment in 401(k) plans undermined savings rates because people put away less money than if they were left to enroll voluntarily.

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