CHOICE ARCHITECTURE AND RETIREMENT SAVINGS: A RANDOMIZED FIELD EXPERIMENT ON DEFAULT ENROLLMENT AND CONTRIBUTION-RATE FRAMING . Phoenix: International Multidisciplinary Research Journal ( Peer reviewed High Impact Journal ), [S. l.], v. 4, n. 3, p. 100–111, 2026. Disponível em: https://pimrj.org/index.php/pimrj/article/view/397.. Acesso em: 27 aug. 2026.