I think maybe the most important insight that we've covered on the show and one that I come back to time and again when thinking about financial decision-making is the power of defaults or uh what happens if someone takes no action and we did a really wonderful interview with Schlommo Benzy of UCLA who studied this along with Nobel laurate Richard Thaylor um if you work for an employer who automatically enrolls you in a retirement savings plan whe whether or not you sign up right if you don't raise your han ...