@article {27711,
	title = {"Are Empowerment and Education Enough? Under-Diversification in 401(k) Plans"},
	journal = {Brookings Papers on Economic Activity},
	volume = {2005},
	number = {2},
	year = {2005},
	pages = {151-198},
	author = {James Choi and David Laibson and Brigitte C. Madrian}
}
