Sublime

From the perspective of choice architecture, defined-benefit plans have an important virtue: they are forgiving to even the most mindless of Humans.

Librarian

Clearly the legal system might produce some irritants (particularly with torts) and has its class of rent-seekers, but we are vastly better off complaining about lawyers than complaining about not having them.

Sensible architects will align the incentives of the most important decision makers.

likely to be given bad or self-interested advice by people serving in roles that appear to be helpful and purely advisory.

philosophy

any organization, public or private, that keeps track of information involving the behavior of individuals or households should generally make that data accessible to them.

courts have the capacity to act where other institutions are politically unwilling or structurally unable to proceed.