No, there is an opportunity to use multi-employer pension plans. They have had some poor performance, mostly because there is a diffusion of accountability. Once you have multiple groups in there, the difficulty is that none of them are in charge.
It is one option. It's not one that we rule out. We do accept the fact that there should be many different options. The model we present is meant just to frame the issue that there has to be some kind of filling of the gap of people who are not saving enough for their retirement.
Many options can be put on the table, but the current status quo is not enough.