@inbook {36492, title = {"The Importance of Default Options for Retirement Saving Outcomes: Evidence from the United States"}, booktitle = {Lessons from Pension Reform in the Americas}, year = {2008}, pages = {59-87}, publisher = {Oxford University Press}, organization = {Oxford University Press}, author = {John Beshears and James Choi and David Laibson and Brigitte Madrian and Stephen J. Kay and Tapen Sinha} }