Net replacement rates (individual net pension entitlement divided by net pre-retirement earnings) aregood indicators of theadequacy of apension system. For Mexico, the net replacement rate is 0.28 (or 28% of pre-retirement earnings). A policy reform seeking to increase the 6.5% contribution rate might help to boost replacement rates. Present at least two arguments in favor and two against this idea. In your answer, refer to the distributional effects of this policy.