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[(to )-38(make )-38(pensions )-39(easier )-38(to )-38(understand. )-20(The )-38(project )-38(was )-39(led )-38(by )-39(Finance )-38(Norway)65(, )]TJ
T*
[(w)-10(h)-10(i)-10(c)-10(h)-10( )-160(i)-10(s)-10( )-160(t)-10(h)-10(e)-10( )-160(t)-10(r)-10(a)-10(d)-10(e)-10( )-160(o)-10(r)8(g)-10(a)-10(n)-10(i)-10(z)-10(a)-10(t)-10(i)-10(o)-10(n)-10( )-160(f)-10(o)-10(r)-10( )-160(m)-10(o)-10(s)-10(t)-10( )-160(b)-10(a)-10(n)-10(k)-10(s)-10(,)-10( )-160(i)-10(n)-10(s)-10(u)-10(r)-10(e)-10(r)-10(s)-10( )-160(a)-10(n)-10(d)-10( )-160(o)-10(t)-10(h)-10(e)-10(r)-10( )-160(f)-10(i)-10(n)-10(a)-10(n)-10(c)-10(i)-10(a)-10(l )]TJ
T*
[(companies in Norway)66(.)]TJ
1.417 -1.2 Td
[(T)16(h)16(e)16( )12(n)16(e)16(e)16(d)16( )12(a)16(r)16(o)16(s)16(e)16( )12(b)16(e)16(c)16(a)16(u)16(s)16(e)16( )12(t)16(h)16(e)16( )12(p)16(e)16(n)16(s)16(i)16(o)16(n)16(s)16( )12(s)16(y)16(s)16(t)16(e)16(m)16( )12(i)16(n)16( )12(N)16(o)16(r)16(w)16(a)16(y)16( )12(h)16(a)16(s)16( )12(c)16(h)16(a)16(n)16(g)16(e)16(d)16( )12(i)16(m)16(m)16(e)16(n)16(s)16(e)16(l)16(y )]TJ
-1.417 -1.2 Td
[(over )-22(the )-22(last )-22(15 )-23(years, )-22(and )-22(public )-22(awareness )-22(has )-22(changed )-22(fundamentally )-21(as )-23(well. )]TJ
T*
[(The )-52(system )-52(is )-53(more )-53(flexible )-52(than )-52(before )-52(and )-53(is )-53(designed )-52(to )-53(encourage )-52(people )-52(to )]TJ
T*
[(r)-10(e)-10(m)-10(a)-10(i)-10(n)-10( )-38(i)-10(n)-10( )-38(t)-10(h)-10(e)-10( )-38(w)-10(o)-10(r)-10(k)-10(f)-10(o)-10(r)-10(c)-10(e)-10( )-38(l)-10(o)-10(n)-10(g)-10(e)-10(r)-10( )-38(t)-10(h)-10(a)-10(n)-10( )-38(t)-10(h)-10(e)-10(y)-10( )-38(u)-10(s)-10(e)-10(d)-10( )-38(t)-10(o)-10(.)-10( )-38(U)-10(n)-10(f)-10(o)-10(r)-10(t)-10(u)-10(n)-10(a)-10(t)-10(e)-10(l)-10(y)55(,)-10( )-38(t)-10(h)-10(e)-10( )-38(s)-10(y)-10(s)-10(t)-10(e)-10(m)-10( )-38(i)-10(s )]TJ
T*
[(not )1(w)-10(e)-10(l)-10(l)-10( )-9(u)-10(n)-10(d)-10(e)-10(r)-10(s)-10(t)-10(o)-10(o)-10(d)-10( )-9(b)-10(y)-10( )-9(m)-10(o)-10(s)-10(t)-10( )-9(p)-10(e)-10(o)-10(p)-10(l)-10(e)-10(,)-10( )-9(b)-10(o)-10(t)-10(h)-10( )-9(b)-10(e)-10(c)-10(a)-10(u)-10(s)-10(e)-10( )-9(t)-10(h)-10(e)-10( )-9(s)-10(y)-10(s)-10(t)-10(e)-10(m)-10( )-9(i)-10(s)-10( )-9(r)-10(a)-10(t)-10(h)-10(e)-10(r)-10( )-9(n)-10(e)-10(w)-10( )-9(a)-10(n)-10(d )]TJ
T*
[(complex, )-42(with )-43(a )-43(mix )-43(of )-43(old )-43(and )-43(new )-43(pension )-43(plans, )-43(and )-43(because)1( )-43(there )-42(are )-43(many )]TJ
T*
(technical terms that most people find hard to understand.)Tj
1.417 -1.2 Td
[(F)-10(i)-10(n)-10(a)-10(n)-10(c)-10(e)-10( )-111(N)-10(o)-10(r)-10(w)-10(a)-10(y)-10( )-111(d)-10(e)-10(c)-10(i)-10(d)-10(e)-10(d)-10( )-111(t)-10(o)-10( )-111(p)-10(r)-10(o)-10(d)-10(u)-10(c)-10(e)-10( )-111(a)-10( )-111(d)-10(i)-10(c)-10(t)-10(i)-10(o)-10(n)-10(a)-10(r)-10(y)-10( )-111(t)-10(h)-10(a)-10(t)-10( )-111(c)-10(o)-10(u)-10(l)-10(d)-10( )-110(h)-10(e)-10(l)-10(p)-10( )-111(m)-10(e)-10(m)-10(b)-10(e)-10(r )]TJ
-1.417 -1.2 Td
[(c)-5(o)-5(m)-5(p)-5(a)-5(n)-5(i)-5(e)-5(s)-5( )-9(c)-5(o)-5(m)-5(m)-5(u)-5(n)-5(i)-5(c)-5(a)-5(t)-5(e)-5( )-9(c)-5(o)-5(n)-5(s)-5(i)-5(s)-5(t)-5(e)-5(n)-5(t)-5(l)-5(y)-5( )-9(w)-5(i)-5(t)-5(h)-5( )-9(t)-5(h)-5(e)-5(i)-5(r)-5( )-10(c)-5(u)-5(s)-5(t)-5(o)-5(m)-5(e)-5(r)-5(s)-5(.)-5( )-10(S)-5(i)-5(x)-5( )-10(c)-5(o)-5(m)-5(p)-5(a)-5(n)-5(i)-5(e)-5(s)-5( )-9(w)-5(e)-5(r)-5(e )]TJ
T*
[(r)-10(e)-10(p)-10(r)-10(e)-10(s)-10(e)-10(n)-10(t)-10(e)-10(d)-10( )-49(i)-10(n)-10( )-49(a)-10( )-49(w)-10(o)-10(r)-10(k)-10(i)-10(n)-10(g)-10( )-49(p)-10(a)-10(r)-10(t)-10(y)55(,)-10( )-49(a)-10(s)-10( )-49(w)-10(e)-10(l)-10(l)-10( )-49(a)-10(s)-10( )-49(t)-10(h)-10(e)-10( )-49(t)-10(r)-10(a)-10(d)-10(e)-10( )-49(o)-10(r)8(g)-10(a)-10(n)-10(i)-10(z)-10(a)-10(t)-10(i)-10(o)-10(n)-10(,)-10( )-49(t)-10(h)-10(e)-10( )-49(l)-10(a)-10(n)-10(g)-10(u)-10(a)-10(g)-10(e )]TJ
T*
[(council of Norway and )19(The Consumer )56(Authority)65(.)]TJ
1.417 -1.2 Td
[(T)-5(h)-5(e)-5( )-56(d)-5(i)-5(c)-5(t)-5(i)-5(o)-5(n)-5(a)-5(r)-5(y)-5( )-56(n)-5(o)-5(w)-5( )-56(c)-5(o)-5(n)-5(s)-5(i)-5(s)-5(t)-5(s)-5( )-56(o)-5(f)-5( )-56(s)-5(o)-5(m)-5(e)-5( )-56(2)-5(0)-5(0)-5( )-56(w)-5(o)-5(r)-5(d)-5(s)-5( )-56(a)-5(n)-5(d)-5( )-56(h)-5(a)-5(s)-5( )-56(b)-5(e)-5(e)-5(n)-5( )-56(p)-5(u)-5(b)-5(l)-5(i)-5(s)-5(h)-5(e)-5(d)-5( )-56(o)-5(n )]TJ
-1.417 -1.2 Td
[(Finance )-67(Norway\222)55(s )-67(web )-67(portal, )-67(where )-67(it )-67(can )-67(be )-67(accessed )-67(by )-67(the )-67(public. )-49(The )-67(dic)]TJ
(-)Tj
T*
[(tionary )-26(is )-27(used )-27(by )-27(the )-27(member )-26(companies )-26(when )-27(drawing )-27(up )-27(marketing )-26(materials )]TJ
T*
(and customer letters and when training employees.)Tj
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