Paternalism - Concepie care desemneaz interesul pe care l manifest patronii pentru bunstarea

muncitorilor sau pentru atmosfera familial din ntreprindere, raporturile dintre patroni i muncitori
caracterizate prin afeciune reciproc, autoritate i respect
Libertarian - doctrin politic care susine drepturile indivizilor de a achiziiona, pstra i schimba
propriile bunuri, considernd c rolul principal al statului const n protec ia drepturilor individuale. ntr-un sens
strict este o doctrin n care oamenii se dein pe ei nii pe deplin i au capacitatea de a avea drepturi de
proprietate asupra obiectelor exterioare.
Richard H. Thaler(1945)- is an American economist He is perhaps best known as a theorist in behavioral

economics.
Cass Robert Sunstein(1954)- is an American legal scholar, particularly in the fields of constitutional
law, administrative law, environmental law, and law and behavioral economics.
In the United States, a 401(k) plan is the tax-qualified, defined-contribution pension account defined in
subsection 401(k) of the Internal Revenue Code.[1] Under the plan, retirement savings contributions are provided
(and sometimes proportionately matched) by an employer, deducted from the employee's paycheck before
taxation (therefore tax-deferred until withdrawn after retirement or as otherwise permitted by applicable law), and
limited to a maximum pre-tax annual contribution of $18,000 (as of 2015). [2][3]

Save More Tomorrow plan, employees are invited to sign up for a program in which their contributions to
the savings plan are increased annually whenever they get a raise. Once employees join the plan, they stay in
until they opt out or reach the maximum savings rate in the plan. In the first company to use this plan, the
employees who joined increased their savings rates from 3.5 percent to 11.6 percent in a little over two years
(three raises). Very few of the employees who join the plan drop out. This is successful libertarian
paternalism in action.
What people choose often depends on the starting point, and hence the starting point cannot be selected by
asking what people choose.

Subiectul articolului face referire la libertarianul paternalist. Dupa definitii, "paternalismul este o
concepie care desemneaz interesul pe care l manifest patronii pentru bunstarea muncitorilor sau pentru
atmosfera familial din ntreprindere, raporturile dintre patroni i muncitori caracterizate prin afeciune
reciproc, autoritate i respect, iar libertarianismul este doctrin politic care susine drepturile indivizilor de a
achiziiona, pstra i schimba propriile bunuri, considernd c rolul principal al statului const n protec ia
drepturilor individuale.