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I also think more incentives to encourage annuitization makes sense. There is an area where economists are more divided than a new it is then annuities. Efficient way of allocating your retirement income. Almost no individual will willingly annuitize. Option of am the lump sum, they will take it and walk away. It is a human nature kind of thing. Annuity turns you from a millionaire to somebody getting income per year. I think tax incentives are something along those lines to an courage to encourage annuitization. It is a high hurdle to get over. Back to listen to the chairmans closing comments. Yes, you did. Few in the senate know that secure the issues have thank you all for testifying. Some members may have written questions for you if you would get answers in the next week to us via to us. I think the hearing was a success in many ways because the debate should be about the issue of achieving retirement security. Not budget issues the way that they are issues of how to debate on how

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