What happens is most plans aren't that great. You do the best you can with the choices.

They know that they make their own choices. It's a series of bad choices that got guys here. We hope to help them start making good choices.

This will mean less choices for us.

It's unfortunate it's gotten to the point where the average fan can't hardly get an autograph because of all the people who are trying to take advantage of it. They're more than gracious to sign programs and things to help the charities, but they have to watch out for the pros who walk up with a backpack full of memorabilia they want them to sign. The big-name guys can spot them because they see them all the time.

Some of the biggest companies have some of the worst 401(k) plans I've ever seen. But Joe's Plumbing might have a great 401(k).

Begin with the end in mind.