Behavioral economists have come to believe that a (i)_____ of choices can be paralyzing as Schwartz pointed out in the recent book The Paradox of Choice. Studies of retirement plans show that the more investment choices a plan offers, the less likely people are to participate in it. It may follow, then, that a lack of flexibility in certain plans may actually be a (ii)_____. People reasonably (iii)_____ some advantages in exchange for peace of mind.