I will sound way out of line here to most everyone, but I do wish that the government would look into the 401 k's a little harder. I believe that they are partly the result of the problems we are having now. Most people are over diversified and are not actively participating in the voting of the boards. The boards are allowing excessive payments to the CEO's based on short term gains. The short term gains make the 401's managers look real smart and more short term money and commissions. Not saying the government should control your 401K, but I do think that they would be smart to tighter regulate the market because of the mass money invested in it through things like 401K's.