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Given the amount of criticism that has been directed at the private-sector retirement system recently, some might ask whether ERISA’s 40th anniversary is something to celebrate. 

We can certainly find imperfections. But when we judge something as complex as this body of law, we should view it not with the eye of a perfectionist, but the eye of a realist. That’s not much different than having a reasonable perspective on interpersonal relationships. If we’re looking for perfection, we are likely to be disappointed. 

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