It is an honor to be here this evening and I thank Philip and Peter for the kind invitation to this anniversary celebration. Congratulations to FijiCare Insurance Company Limited, for reaching your 20-year milestone of service to the people of Fiji.
For example, employers might set default contribution rates to rise as workers receive pay raises, or set the default investment option to a diversified portfolio that adjusts as the worker ages.14 In addition, employees have increasingly expressed interest in employer-provided financial education, and firms and lawmakers are responding. Congress has  8  Deloitte and Touche, 2003 401(k) Annual Benchmarking Survey.