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Oh, talk as we may of beauty as a thing to be chiselled from marble or wrought out on canvas, speculate as we may upon its colors and outlines, what is it but an intellectual abstraction, after all? The heart feels a beauty of another kind; looking through the outward environment, it discovers a deeper and more real love-liness.

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Richard Thaler

Everyone's lost a lot of money on their 401k plans. I've heard some people calling them 201k plans. So it's even more important to get people to be saving more for retirement. Behavioral economics has helped us learn a lot about how to do that.