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2016-03-12T11:43:17-10:00
2016-03-13T16:11:56-10:00
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[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 641.98 Tm
[(The)5( )] TJ
ET
BT
1 0 0 1 93.624 641.98 Tm
[(AA)4(R)-2(P)-3( P)-3(lan )] TJ
ET
BT
1 0 0 1 153.02 641.98 Tm
[(doe)4(s not)-2(hing)8( to enha)6(n)-9(c)4(e)4( the )-7(a)4(lre)-4(a)-5(d)-9(y)20( r)3(obust)-2( ma)-7(rke)7(tpl)-3(a)4(c)-5(e)4( f)3(o)-9(r r)6(e)4(ti)-3(re)7(ment s)-10(a)4(ving)8(s. )] TJ
ET
BT
1 0 0 1 72.024 628.18 Tm
[(The)5(re)7( is no)-2( ne)-5(e)4(d for)6( )] TJ
ET
BT
1 0 0 1 171.62 628.18 Tm
[(Ha)6(w)-7(a)4(ii)-3( )] TJ
ET
BT
1 0 0 1 209.33 628.18 Tm
[(to cr)5(e)4(a)4(te )-7(a)4( pro)-6(g)10(r)-6(a)4(m t)-3(ha)4(t compe)4(tes w)3(it)-3(h the pr)5(iv)-11(a)4(te ma)4(rke)7(t wh)-9(e)4(n the )] TJ
ET
BT
1 0 0 1 72.024 614.38 Tm
[(pr)3(ivate)4( mar)5(k)-9(e)4(t i)-3(s alr)4(e)4(a)4(d)-19(y)20( )-9(pr)3(ovidi)-3(ng)10( a)4(mpl)-3(e)4( )-9(re)7(ti)-3(re)7(me)-7(nt saving)9(s veh)3(icl)-9(e)4(s. )] TJ
ET
BT
1 0 0 1 412.51 614.38 Tm
[( )] TJ
ET
BT
1 0 0 1 415.63 614.38 Tm
[(I)13(nde)-5(e)4(d, the )] TJ
ET
BT
1 0 0 1 471.82 614.38 Tm
[(AA)4(R)-2(P)-3( S)-3(tate)4( )] TJ
ET
BT
1 0 0 1 72.024 600.58 Tm
[(run p)3(lan )] TJ
ET
BT
1 0 0 1 114.62 600.58 Tm
[(will)-3( it)-3(se)3(lf util)-4(iz)-7(e)14( a)4( priva)5(te ma)-5(rke)7(t vendor)5( )-9(for)6( )] TJ
ET
BT
1 0 0 1 330.53 600.58 Tm
[(it)-3(s )] TJ
ET
BT
1 0 0 1 344.95 600.58 Tm
[(state)3( pro)-6(g)10(ra)7(m.)] TJ
ET
BT
1 0 0 1 413.47 600.58 Tm
[( )] TJ
ET
BT
1 0 0 1 416.47 600.58 Tm
[( )] TJ
ET
BT
1 0 0 1 419.59 600.58 Tm
[(I)13(f)-6( t)-11(he)4( )] TJ
ET
BT
1 0 0 1 448.27 600.58 Tm
[(S)] TJ
ET
BT
1 0 0 1 454.99 600.58 Tm
[(tate)4( it)-3(se)] TJ
ET
BT
1 0 0 1 491.98 600.58 Tm
[(lf is )] TJ
ET
BT
1 0 0 1 72.024 586.78 Tm
[(g)10(oin)-11(g)10( to us)-2(e)4( the pr)5(iv)-11(a)4(te )-7(mar)5(ke)4(t, wh)-19(y)20( doe)4(s the )] TJ
ET
BT
1 0 0 1 293.21 586.78 Tm
[(S)] TJ
ET
BT
1 0 0 1 299.93 586.78 Tm
[(ta)-7(te ne)6(e)4(d a)4( pl)-11(a)4(n in t)-3(he)4( f)3(irst )-11(plac)6(e)4(?)] TJ
ET
BT
1 0 0 1 460.99 586.78 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 560.98 Tm
[(The)5( c)4(r)-6(e)4(a)4(ti)-3(on of)3( a)4( n)-9(e)4(w St)-3(a)4(te sponsor)3(e)4(d )-9(a)4(nd ru)3(n r)-6(e)4(ti)-3(re)7(ment plan f)5(or)3( p)-9(riva)5(te s)-8(e)4(c)4(tor e)5(mpl)-3(o)-19(y)20(e)-5(e)4(s )] TJ
ET
BT
1 0 0 1 72.024 547.18 Tm
[(would be)4( c)4(ostl)-14(y)20(.)] TJ
ET
BT
1 0 0 1 150.98 547.18 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 521.35 Tm
[(I)13(n st)-2(a)4(t)-11(e)4(s that have)7( studi)-4(e)-5(d the A)4(ARP)-4( plan, the)4( e)4(sti)-4(mate)4(d s)] TJ
ET
BT
1 0 0 1 349.63 521.35 Tm
[(tar)5(tup and on)-7(g)10(oin)-11(g)10( state)3( )-9(c)4(osts)-3( a)4(re)7( )] TJ
ET
BT
1 0 0 1 72.024 507.55 Tm
[(pr)3(ohibi)-3(ti)-3(ve)4(, r)3(a)4(n)-9(g)10(ing)8( )-9(fr)6(om)-11( $15)] TJ
ET
BT
1 0 0 1 214.73 507.55 Tm
[(-)] TJ
ET
BT
1 0 0 1 218.69 507.55 Tm
[(20 mi)-3(ll)-3(ion i)-3(n I)23(ll)-3(inoi)-13(s, to $)-2(35)] TJ
ET
BT
1 0 0 1 354.19 507.55 Tm
[(-)] TJ
ET
BT
1 0 0 1 358.15 507.55 Tm
[($45 mi)-3(ll)-3(ion i)-3(n )10(Mi)-2(nne)4(sota a)5(nd )] TJ
ET
BT
1 0 0 1 72.024 493.75 Tm
[(C)-2(onne)4(c)4(ti)-3(c)4(ut and $75)] TJ
ET
BT
1 0 0 1 171.26 493.75 Tm
[(-)] TJ
ET
BT
1 0 0 1 175.22 493.75 Tm
[($12)-9(5 mi)-3(ll)-3(ion i)-3(n )10(C)-2(a)4(li)-3(for)6(nia. T)3(he)4(se)3( c)4(osts)-3( would pr)3(e)4(v)-9(a)4(il)-3( e)4(ve)4(n if the)3( state)3( )-9(run )] TJ
ET
BT
1 0 0 1 72.024 479.95 Tm
[(plan is m)-2(a)4(de)4( volunt)-3(a)4(r)-16(y)20( f)3(o)-9(r e)7(mpl)-3(o)-9(y)20(e)-5(r)] TJ
ET
BT
1 0 0 1 246.89 479.95 Tm
0.012 Tc[(s.)] TJ
ET
BT
1 0 0 1 254.69 479.95 Tm
0 Tc[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 454.15 Tm
[(W)-5(hil)-3(e)4( the St)-3(a)4(te of)5( Ha)6(wa)6(i)-11(i shou)-2(ld as a)5( matter)5( of po)-6(li)-3(c)-5(y)20( e)4(n)-9(c)4(oura)-2(ge)4( a)4(ll)-3( of its r)-8(e)4(sidents t)-3(o )] TJ
ET
BT
1 0 0 1 72.024 440.35 Tm
[(a)4(c)4(c)4(umul)-3(a)4(te the)4( s)-10(a)4(vin)-11(g)10(s the)-8(y)20( n)-9(e)4(e)4(d to s)-2(e)-5(c)4(ur)3(e)4( th)-11(e)4(ir )] TJ
ET
BT
1 0 0 1 306.65 440.35 Tm
[(own )] TJ
ET
BT
1 0 0 1 330.29 440.35 Tm
[(re)7(ti)-3(re)7(ment)] TJ
ET
BT
1 0 0 1 379.51 440.35 Tm
[(,)] TJ
ET
BT
1 0 0 1 382.51 440.35 Tm
[( )] TJ
ET
BT
/F3 12 Tf
1 0 0 1 385.51 440.35 Tm
[<0057004B00480003>-7<005A004C0056004700520050>-2<00030052004900030057004B0048>5<00030036>-3<0057004400570048>4<00B600560003>] TJ
ET
BT
/F1 12 Tf
1 0 0 1 72.024 426.55 Tm
[(spend)] TJ
ET
BT
1 0 0 1 99.984 426.55 Tm
[(ing)] TJ
ET
BT
1 0 0 1 115.22 426.55 Tm
[( )] TJ
ET
BT
1 0 0 1 118.22 426.55 Tm
[(it)-3(s sca)-3(rc)7(e)4( )-9(re)7(sou)-10(rc)7(e)4(s to fund the )-7(c)4(ost )] TJ
ET
BT
1 0 0 1 291.29 426.55 Tm
[(of)3( )] TJ
ET
BT
1 0 0 1 304.25 426.55 Tm
[(a)4( )-9(S)-3(tate)4( r)3(un re)7(ti)-3(re)7(ment )] TJ
ET
BT
1 0 0 1 410.83 426.55 Tm
[(plan )] TJ
ET
BT
1 0 0 1 434.59 426.55 Tm
[(ma)-7(y)20( b)-9(e)4( que)4(sti)-4(one)4(d)] TJ
ET
BT
1 0 0 1 524.5 426.55 Tm
[(.)] TJ
ET
BT
1 0 0 1 527.62 426.55 Tm
[( )] TJ
ET
EMC /P <> BDC BT
/F3 12 Tf
1 0 0 1 72.024 400.75 Tm
[<002C>13<005100030053004F0044>-7<0046>4<0048>4<00030052>-9<004900030057004B0048>5<00030056005700580047>-12<005C>20<0003>-9<0044>4<005100470003>-9<0046>4<00550048>7<0044>4<0057004C>-3<00520051000300520049>3<00030057004B>-11<0048>4<000300240024>4<0035>-2<0033>-3<000300B3>-5<003A>-5<00520055>3<004E00030009>8<00030036>-3<0044>4<00590048>4<00B4>4<00030036>-3<0057004400570048>4<0003>-9<0055005800510003>-6<0053004F00440051000F0003>] TJ
ET
BT
/F1 12 Tf
1 0 0 1 453.07 400.75 Tm
[(AC)-10(LI)14( sugge)3(sts)-3( )] TJ
ET
BT
1 0 0 1 72.024 386.95 Tm
[(that )] TJ
ET
BT
1 0 0 1 93.024 386.95 Tm
-0.024 Tc[(HR)] TJ
ET
BT
1 0 0 1 109.7 386.95 Tm
0 Tc[( )] TJ
ET
BT
1 0 0 1 112.7 386.95 Tm
[(2)] TJ
ET
BT
1 0 0 1 118.7 386.95 Tm
[(0)] TJ
ET
BT
1 0 0 1 124.7 386.95 Tm
[( )] TJ
ET
BT
1 0 0 1 127.7 386.95 Tm
[(c)4(a)4(ll)-3( f)3(or)3( a)4(n obj)-11(e)4(c)4(ti)-3(ve)4( stud)-12(y)20( o)-9(f the)5( va)-5(rious ini)-3(ti)-3(a)4(ti)-3(ve)4(s the S)-2(tate)4( c)4(ould adopt to promot)-2(e)4( )] TJ
ET
BT
1 0 0 1 72.024 373.15 Tm
[(wor)5(ke)4(r )-6(re)7(ti)-3(re)7(ment sa)3(vin)-11(g. A summ)-2(a)4(r)-6(y)20( o)-9(f i)] TJ
ET
BT
1 0 0 1 277.25 373.15 Tm
[(nit)-3(iatives thi)-2(s C)-3(omm)-3(it)6(tee)6( )] TJ
ET
BT
1 0 0 1 400.99 373.15 Tm
[(shoul)-2(d )] TJ
ET
BT
1 0 0 1 436.03 373.15 Tm
[(c)4(onsi)-2(de)4(r is a)4(tt)-3(a)4(c)4(h)-9(e)4(d.)] TJ
ET
BT
1 0 0 1 533.74 373.15 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 347.33 Tm
[(Aga)6(in, t)-3(ha)4(nk )-19(y)20(ou fo)3(r the)5( )-9(oppor)3(tuni)-3(t)-11(y)20( to )] TJ
ET
BT
1 0 0 1 263.93 347.33 Tm
[(testif)-9(y)20( in )] TJ
ET
BT
1 0 0 1 309.17 347.33 Tm
[(o)-9(pposi)-2(ti)-3(on to )] TJ
ET
BT
1 0 0 1 375.43 347.33 Tm
-0.024 Tc[(HR)] TJ
ET
BT
1 0 0 1 392.11 347.33 Tm
0 Tc[( )] TJ
ET
BT
1 0 0 1 395.11 347.33 Tm
[(20)] TJ
ET
BT
1 0 0 1 407.11 347.33 Tm
[(.)] TJ
ET
BT
1 0 0 1 409.99 347.33 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 321.53 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 307.73 Tm
[(L)11(AW)-3( O)-7(F)6(F)-3(I)13(C)-2(ES O)-10(F)6( )] TJ
ET
BT
1 0 0 1 387.79 307.73 Tm
[( )] TJ
ET
BT
1 0 0 1 288.05 293.93 Tm
[(OREN T)3(. CH)-10(I)13(KA)4(MOTO)] TJ
ET
BT
1 0 0 1 410.35 293.93 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 280.13 Tm
[(A )-7(L)21(im)-3(it)-3(e)4(d )-9(L)11(iabili)-3(t)-11(y)20( )-9(L)11(a)-5(w )-7(C)-2(ompan)-7(y)] TJ
ET
BT
1 0 0 1 456.07 280.13 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 266.33 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 252.53 Tm
[(Or)5(e)4(n T. Chi)-3(ka)4(mot)-3(o)] TJ
ET
BT
1 0 0 1 381.67 252.53 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 238.73 Tm
[(1001 B)7(ishop)-2( S)-3(tre)5(e)4(t, S)-5(uit)-3(e)4( 1750)] TJ
ET
BT
1 0 0 1 437.71 238.73 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 224.93 Tm
[(Honolulu, H)] TJ
ET
BT
1 0 0 1 348.07 224.93 Tm
[(a)4(wa)6(ii)-3( 96813)] TJ
ET
BT
1 0 0 1 407.11 224.93 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 211.13 Tm
[(Te)5(lephone)6(: \(808\))4( 531)] TJ
ET
BT
1 0 0 1 391.99 211.13 Tm
[(-)] TJ
ET
BT
1 0 0 1 395.95 211.13 Tm
[(15)-9(00)] TJ
ET
BT
1 0 0 1 420.07 211.13 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 288.05 197.33 Tm
[(E ma)3(il)-3(: ot)-3(c)4(@c)5(hikamotol)-3(a)4(w.c)6(om)] TJ
ET
BT
1 0 0 1 446.47 197.33 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 183.5 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 169.7 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 155.78 Tm
[( )] TJ
ET
BT
1 0 0 1 216.05 155.78 Tm
[( )] TJ
ET
EMC
Q
endstream
endobj
22 0 obj
<<
/Filter /FlateDecode
/Length 8
>>
stream
x
endstream
endobj
23 0 obj
<<
/Length 12309
>>
stream
q
/P <> BDC BT
/F2 12 Tf
1 0 0 1 72.024 708.96 Tm
0 g
0 G
[(S)-3(tat)6(e)4( In)-4(itiative)4(s Re)5(gar)4(d)-13(in)-5(g Re)6(tir)5(e)-5(m)3(e)4(n)-3(t )-6(P)11(lan)-5(s f)-7(o)10(r)4( Pr)5(ivate)5( Wo)-9(r)4(k)-3(e)4(r)4(s )] TJ
ET
BT
1 0 0 1 411.31 708.96 Tm
[( )] TJ
ET
EMC /P <> BDC BT
/F1 12 Tf
1 0 0 1 72.024 695.38 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 681.58 Tm
[(AC)-10(L)11(I)13( is full)-23(y)20( c)4(omm)-3(it)-3(ted )-7(to st)-4(a)4(te a)6(nd na)4(ti)-3(ona)4(l ef)-4(for)-3(ts t)-4(ha)4(t enc)6(oura)-2(ge)4( a)4(ddit)-3(ional pr)3(ivate)4( r)-6(e)4(ti)-3(re)7(ment )] TJ
ET
BT
1 0 0 1 72.024 667.78 Tm
[(plan c)6(ove)4(r)-6(a)-5(g)10(e)4( a)4(nd )] TJ
ET
BT
1 0 0 1 162.14 667.78 Tm
[(indi)-3(vi)-11(dua)4(l saving)9(s. Th)-9(e)4(re)7( )-9(a)4(re)7( )-9(man)-7(y)20( ini)-3(ti)-3(a)4(ti)-3(ve)4(s a sta)4(te )-7(c)-5(a)4(n unde)4(rta)5(k)-9(e)4( to do s)-2(o )] TJ
ET
BT
1 0 0 1 72.024 653.98 Tm
[(without)-3( im)-3(posi)-2(ng)10( a)4(n e)4(mpl)-3(o)-9(y)20(e)4(r m)-8(a)4(nda)4(te, und)-7(e)4(rmin)-10(ing)8( e)4(x)-9(ist)-4(ing)8( plans or)4( e)4(nte)-7(ring)11( int)-3(o unf)3(a)4(ir )] TJ
ET
BT
1 0 0 1 72.024 640.18 Tm
[(c)4(ompetit)-3(ion wit)-3(h the e)6(x)-9(is)7(ti)-3(ng)10( mar)5(ke)4(tpl)-3(a)-5(c)4(e)4( o)-9(f r)6(e)4(ti)-3(re)-2(ment plan pr)5(oduc)4(ts and s)-9(e)4(rvic)5(e)4(s. )-10(F)6(or)] TJ
ET
BT
1 0 0 1 494.86 640.18 Tm
[( )] TJ
ET
BT
1 0 0 1 72.024 626.38 Tm
[(inst)-4(a)4(nc)4(e)4(:)] TJ
ET
BT
1 0 0 1 114.62 626.38 Tm
[( )] TJ
ET
EMC /P <> BDC BT
1 0 0 1 72.024 612.58 Tm
[( )] TJ
ET
EMC /P <> BDC BT
/F2 12 Tf
1 0 0 1 72.024 598.78 Tm
[(AC)4(L)-2(I su)-5(p)-3(p)-3(or)4(ts )] TJ
ET
BT
/F1 12 Tf
1 0 0 1 152.78 598.78 Tm
[(state)3( ini)-3(t)8(iatives to promote r)5(e)4(ti)-3(re)-2(ment sa)3(ving)8(s b)-20(y)20( priva)5(t)-11(e)4( s)-10(e)4(c)4(tor w)3(or)3(k)-9(e)4(rs thr)3(ou)-9(g)10(h )] TJ
ET
BT
/F3 12 Tf
1 0 0 1 72.024 584.98 Tm
[<0048>4<004700580046>4<0044>4<0057004C>-3<00520051000F0003004C005100460048>6<00510057004C>-3<00590048>4<00560003>-10<0044>4<00510047>-9<00030046>4<0052004F004F>-3<0044>4<0045005200550044>7<0057004C>-3<005200510003005A004C0057004B00030057>-3<004B0048>4<000300530055>-6<004C0059004400570048>4<0003005600480046>7<0057005200550003000B>-15<002F>11<0044>4<005600570003>-22<005C>20<0048>4<0044>-5<0055000F00030044>7<0003>-9<00B3>4<0036>-3<0057004400570048>4<000300520049000300360044>3<00590048>4<00550056>-7<00B4>4<0003>] TJ
ET
BT
/F1 12 Tf
1 0 0 1 72.024 571.18 Tm
[(pr)3(ogra)7(m wit)-3(h these)5( e)4(l)-11(e)4(ments wa)5(s con)3(sider)-5(e)4(d in O)-9(re)-2(g)10(on\). W)-2(e)4( a)4(lso s)-3(uppor)3(t )-11(state)3( s)] TJ
ET
BT
1 0 0 1 458.95 571.18 Tm
[(tudi)-3(e)4(s of the)4(se)3( )] TJ
ET
BT
1 0 0 1 72.024 557.38 Tm
[(ini)-3(ti)-3(a)4(ti)-3(ve)4(s, which inc)5(lude: )] TJ
ET
BT
1 0 0 1 199.37 557.38 Tm
[( )] TJ
ET
EMC /P <> BDC BT
/F3 12 Tf
1 0 0 1 72.024 537.58 Tm
[<008700030033>-3<00580045004F004C>-3<0046>4<00030044>4<005A0044>6<00550048>7<0051>-9<0048>4<00560056000300460044>6<00500053>-11<0044>4<004C004A>8<00510056000F00030049004C0051>-9<0044>4<00510046>4<004C0044004F0003004F004C>-3<005700480055>5<0044>-5<0046>-15<005C>20<00030048>-5<004700580046>4<0044>4<0057004C>-3<00520051000F00030044>4<0046>-5<0046>4<0048>4<0056005600030057>-3<0052000300520051004F004C>-3<00510048>4<00030055>3<0048>4<0056005200580055>-7<0046>4<0048>4<00560003004400510047>3<0003>] TJ
ET
BT
/F1 12 Tf
1 0 0 1 72.024 523.75 Tm
[(pa)4(rtne)5(rships wit)-2(h e)4(x)-9(ist)-4(in)8(g)10( non)] TJ
ET
BT
1 0 0 1 216.89 523.75 Tm
[(-)] TJ
ET
BT
1 0 0 1 220.85 523.75 Tm
[(p)-9(rof)6(it)-3( a)4(nd )-9(g)10(ove)-5(rn)-6(ment e)4(ff)6(or)3(ts;)-4( )] TJ
ET
BT
1 0 0 1 369.07 523.75 Tm
[( )] TJ
ET
EMC /P <> BDC BT
/F3 12 Tf
1 0 0 1 72.024 503.95 Tm
[<008700030029>6<004C0051004400510046>6<004C0044004F0003004C00510046>-7<0048>4<00510057004C>-3<00590048>4<00560003004700480056>-7<004C004A>8<00510048>4<004700030057005200030056>-2<0053005800550003>-6<0048>4<00500053004F>-3<0052>-9<005C>20<0048>-5<005500030053>-6<004F0044005100030044>6<00470052>] TJ
ET
BT
/F1 12 Tf
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[(pti)-3(on a)4(nd indi)-3(vidual sa)3(ving)8(s, includi)-2(n)-9(g)10( )] TJ
ET
BT
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ET
BT
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BT
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ET
BT
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BT
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[( )] TJ
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ET
BT
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BT
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BT
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ET
BT
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ET
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