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1. Do federal securities laws apply to restricted stock, and what is their effect? 2. Despite the existence of tax-favored retirement plans, a substantial portion

1. Do federal securities laws apply to restricted stock, and what is their effect?
2. Despite the existence of tax-favored retirement plans, a substantial portion of Americans have not saved enough to fund their retirement. What factors keep individuals from saving? What should be done to further encourage retirement savings? Is the answer in government policy, education, or something else?

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