So then the employer, how much can the employer put in on behalf of an employee that is tax deferred?

I like association health plans, I like anything that allows people to band together and lower cost.

Most employers are pretty reticent about going to the Department of Labor for anything.

So you would envision exceptionally strong fiduciary standards and liabilities if people were to enter the business of being plan sponsors.

Thank you, Mr. Chairman, and thank you for this focus on small businesses and their ability, if you will, to offer retirement plans.

So it's maybe a camel nose into the tent approach, too, that over time we could build upon.

I think if people did need information, having a place to go, one central place would be helpful.

Why would you do that?

So it sounds like you can, without any legislative action, you can easily fix that through regulatory action at the Department level.

I know it's taking a long time, but I think this is very important to the topic.

this, with all the issues that we all face relating to people and their standard of living after retirement, seems like a no-brainer.

I appreciate both of you coming here. And I, along with Chairman Kohl, would certainly love to see more people having plans.