Otherwise, Dell.com's checkout page might start looking like New York State's income tax return, which last year had seven opt-in donation candidates, like exploited children and prostate cancer research.
Despite reduced deposits into their individual retirement accounts, the Chief Actuary concluded that the accounts offered a much better return such that all workers would choose to opt in to the personal account plan.
Since I wrote about professional moms on the sidelines, I have been overwhelmed by the stories of talented professional women who chose to opt out yet found they had no choices at all when they wanted to return to work.