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Way back when, Bill Clinton was looking for issues to campaign on against George H. W. Bush. The phrase said by Clinton’s advisor, James Carville, “It’s the economy, stupid,” became his mantra that helped him take the White House.

It’s a long way from the late 1990s but the economy remains THE issue on everyone’s minds. That’s what Morgan Stanley at Work’s annual State of the Workplace Financial Benefits Study II found. For example, employees are scaling back retirement contributions. Why?

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