We're talking about people in their 30s wanting to take a...

We're talking about people in their 30s wanting to take a sabbatical and see the world, go back to school, fix up a house or have a baby. The attraction that 401(k) accounts will have for people who can't touch them until they're in their 60s won't be as strong as the attraction of an employer participation program where employees can access those funds earlier in their lives. They'll want to make some of their dreams come true earlier rather than later.