Here's another solution looking for a problem. Teresa Ghilarducci, an economics professor, has managed to get some traction for her new retirement savings concept that would call for doing away with the tax benefits of 401(k) plans. Her book, "Now We're 64" has been touted by various shows on National Public Radio. As if that weren't enough, the New York Times published her op-ed piece on the subject. Now, it's been reported that Congressmen are taking the concept seriously.