Moreover, through the personal accounts every worker would be accumulating substantial personal wealth over their career, close to a million dollars or more in real terms for a two earner average income couple, once the option is fully phased in.

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It was intended to grow and be handed down from one generation to the next, largely protected from the taxman through the shrewdness of family strategists--and generous grandfather clauses that protect assets accumulating in offshore accounts set up years ago.

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