@inbook {27716, title = {"For Better or For Worse: Default Effects and 401(k) Savings Behavior"}, booktitle = {Perspectives in the Economics of Aging}, year = {2004}, pages = {81-121}, publisher = {University of Chicago Press}, organization = {University of Chicago Press}, url = {http://www.nber.org/digest/apr02/w8651.html}, author = {James Choi and David Laibson and Brigitte Madrian and Andrew Metrick and David A. Wise,} }