What criteria that should be met before investing? 23. Why do younger workers benefit most from a Roth 401(k)? 24. What are the two main types of annuities and how can annuities be used as part of a savings plan? 25. What are some of the benefits offered by a checking account? 26. Name the federal law that requires financial institutions to provide clear information about the costs and terms of interest-earning accounts in uniform terms