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Gale, W., & John, D. (2018-08-30). State-sponsored Retirement Savings Plans: New Approaches to Boost Retirement Plan Coverage. In How Persistent Low Returns Will Shape Saving and Retirement. : Oxford University Press. Retrieved 23 Jul. 2021, from https://oxford.universitypressscholarship.com/view/10.1093/oso/9780198827443.001.0001/oso-9780198827443-chapter-11.