Suppose that a new paper is published showing convincing evidence that people tend to believe that the financial system more or less guarantees positive returns over the long run (say, decades). Does this new article help solve either of these puzzles? Why or why not? Again, pretend that a different paper shows that people investing primarily in "safe" assets tend to be people who are retired or are about to be. Does this help to explain the either of these puzzles? Why or why not?