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The best way for consumers (i.e. employers and fund members) to protect their interests is to narrow, or preferably eliminate, the information gap between providers and consumers. You are encouraged to question all providers so that optimal decisions regarding product choices can be made. Market forces in an ever increasingly competitive environment will, in turn, force providers to continually improve their product offerings. This highly popular document has been updated with new and relevant information to assist consultants and their clients in making good decisions regarding their retirement fund options. Document attached here