DOL safe harbor ruling on bitcoin in 401(k) plans expected Q2-Q3 2026. $10T addressable market. but the real unlock isn't participants choosing to buy BTC. it's target-date funds. $3.5T in TDFs are the default option for most plans. if blackrock adds 0.5% BTC to their LifePath funds after approval, millions of americans start buying bitcoin automatically on every paycheck without making a single decision. 60 million participants. bi-weekly. price-insensitive. can't redeem until retirement. schwab launching ...