The Choice Architecture

The default setting on the driver's license is you are an organ donor, and it goes from an 8 or a 10% participation rate to a 90% rate. So opt out should be you're automatically enrolled,. You automatically do the match, you automatically do the increase. If you don't set a fund, if you don't choose funds, you automatically go into a target date fund. That's the default setting. But at least let's start you out on on something as opposed to nothing.