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S   N4yļyļ r   v* a00aa  NDyļyļ r4   x* a00aaH  0ηo~ ? 3380___PPT10.$q!p (     N7ss .  7 v* W++WW  N\Ess 3 . 7 x* W++WW  T<Ess q  E v* W++WW  T@ Ess q3  E x* W++WWH  0ηo~ ? 3380___PPT10.13  0   0X\ ( 7/`Z \L K\ c $P@ M\ 6Q  V___PPTMac110(   hnamd` Arial&Monotype Typography    hnamd` Arial&Monotype Typography 0___PPT106___PPT9 >P'J L N\ c $`  P\ s *X `f^V___PPTMAC110(   hnamd` Arial&Monotype Typography    hnamd` Arial&Monotype Typography  Using Financial Innovation to Support Savers: From Coercion to Excitement ౦Ϸ Committee on Economic Inclusion March 19, 2008& ^^j^^j Q\ <] D s;Peter Tufano Harvard Business School, D2D Fund, and NBER <<^^j W\ <cu: :  H \ 0޽h ? =P 9^2.՟=3om>___PPT10i.-q+D=' E= @B +b  0 PP(  r  S lW     S XVP<$D0  H  0޽h ? ֊AToJ B ___PPT10" .+YD ' E= @B D ' = @BA?%,( < +O%,( < +D4' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+#.<*e%(D4' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+#.<*e%(D4' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+#.<*%(D4' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+#.<*%(+w 0 ` (   r   S W   lR   H33d" p  Force Make Hard Make Easy Bribe Social Make Fun to Save Not to Save to Save to Save Support & Exciting:T:H   0޽h ? ֊ATo___PPT10i. < +D=' E= @B + 0 =4(  4x 4 c $ -W   R 4 3 0e0e33d@ V"N0e   PT <4___PPT9  Force Make Hard Make Easy Bribe Social Make Fun to Save Not to Save to Save to Save Support & ExcitingV` " dQ: t P$ =4 #"&-/-.-P$(  4 <1?` $ JMandate: Social Security Grant: UK Child Trust Fund; Aspire Act and others8K-X  4 <@? `$ PExamples  X 4 <C?`   h Political will and money (grant)!!X 4 <U? `  Q Resources  X 4 <`O?`   R Government  X 4 <da? `  OPartnerX 4 <X?`}  y1Take away the decision; Mandate or Grant Savings22X  4 <$t?}`  NChangeX &4 <|~?`P} |4People can t or won t saveX '4 <,?P`} R Impediment  X`B (4 0o ?PPZB )4 s *1 ?}}ZB *4 s *1 ?  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