Some of my conservative Facebook friends have a favorite posting, that goes something like this: What are the scariest words in the universe?

"We've come from the government, and we're here to help."

You too may be a little concerned – or perhaps relieved, depending on your own stance – to hear that the U.S. Consumer Financial Protection Bureau is now deciding whether or not it should begin to take a more active role in overseeing the country's retirement savings.

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