This question pertains to Chetty et al. reading on retirement savings. Using their model first explain the difference between active and passive savers (I am expecting you to include a discussion on offset rates and pass through rates here). Next, dicuss how total savings of these two types of savers will be differentially affected by automatic employer contribution. Finally, using their empirical findings, what can you say about the degree of active or passive savings behavior observed in their sample and how that impacts the debate around use of automatic enrollment to boost individual lifetime savings/wealth. Explain briefly.