By having a mandatory one.... Right now what we're seeing across the board is that most employees don't contribute if employers do not, or employers contribute only if the employee does. It's voluntary. At 25 years old, you want a Camaro, a red car. You don't want to have a pension fund because you don't believe you'll be aging, but 40 years later—
On April 2nd, 2014. See this statement in context.