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Small businesses are generally concerned withthree things when it comes to retirement plans. Number one, cost. They perceive that they cantafford it. Number two, they perceive that its fraught with risk. Fiduciary risk in particular. And three,administrative burden. Theyre busy running their business. Theyre the chief cook and the bottle washer as they say. Theyre doing everything. They dont have time. I wanted to take away thosebarriers of cost, risk and administrative burden and really put them on a plateau or playingfield that was even with their larger counterparts.