To us here in the US, Happy Almost 🦃Thanksgiving! … and a thank you note from us to you. Let us give you a little break between email and making your friends-and-family plans to catch up on the world of retirement security. It’s cold here – grab your pumpkin spice and nestle in:

• Leaning into Latinx – we can do better – what we learned in the great PR

• We have fresh State Auto IRA metrics

• Key updates from California, Delaware, Maine, New Mexico, and Oregon

• Joel Metlen invites you to think about social determinants of health and well being

• We keep your brain spicy with Hot Sauce, Cool Stuff

• PIX of the week! – some sunshine and a soliloquy from a 500-year-old town

Can you feel it? A slight change in the air. A crispness that you don’t remember being there last week. It’s true! Autumn is coming in two days and we’re ending the month with plenty-o-updates. So grab a milkshake (we take ours malted) and settle in:

• Research docket and wealth gap surprises with Morningstar’s Aron Szapiro

• State Auto IRA metrics – 36,000 new funded accounts in one month

• A closer look at … Maine, Maryland, New Jersey, New Mexico, and New York

• Can friction benefit retirement savers? Yes! Behavioral scientist Lindsay Juarez explains

• Hot Sauce! Fresh research and some brain expanders

• And, Pix of the week

We’re enjoying early fall – that season where there’s a nip in the morning air but you’re sure you should be wearing shorts with your neighbors in the afternoon. That is, unless you’re back in the office! Wherever you are, we’ve got cool stuff for you. Settle in for the first-of-fall updates:

• CalSavers leaps forward with Katie Selenski

• We've crossed the $500 million mark! -- state metrics

• Updates from California, Colorado & New Mexico, Illinois, Maine, Maryland, Oregon, Vermont, and Delaware

• Who present-bias, me? Duke’s Perry Wright on precommitment.

• Hot Sauce! Fresh research and some brain expanders

• Pix of the week, from balancing on the SUP to ballparking together ...