1Olivia Mitchell and Stephen Utkus,"Lessons from Behavioral Finance for Retirement Plan Design", Pension Research Council Working Papcr(PRC WP2003-6).
2Richard H. Thaler and Shlomo Benartzi, "Save More Tomorrow: Using Behavioral Economics to Increase Employee Saving", Journal of Political Economy, 2004,vol. 112 ,by The University of Chieago.
