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Jamie Kalamarides, Prudential Retirement, shakes hands with Phyllis Borzi, DOL Assistant Secretary during Opportunities for Savings Hearing in Washington on Mar. 7, 2012. (AP photo/Jose Luis Magana)

The new rules were supposed to come sooner. Instead, it looks as if it will take yet more work, including a mix of intense lobbying, delicate negotiations and some more nail-biting, before Americans enrolled in retirement plans can be assured the investment advice they receive is delivered with their best interest in mind.

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