<prompt> Translate the following text to SwahiliFor a recent summary of this empirical debate, see William Gale, The Impact of Pensions and 401k Plans on A Critical Assessment of the State of the Literature, paper presented at ERISA After 25 A Framework for Evaluating Pension Reform, Washington, D.C., September 17, 1999.  <response>: Kwa muhtasari wa hivi karibuni wa mjadala huu wa uzoefu, angalia William Gale, The Impact of Pensions and 401 k Plans on a Critical Assessment of the State of the Literature Uathiri wa Pensions na Mipango ya 401 k juu ya Tathmini ya Kihisabati ya Hali ya Fasihi, karatasi iliyotolewa katika ERISA baada ya 25: Mfumo wa Tathmini ya Marekebisho ya Pensheni, Washington, DC, Septemba 17, 1999. 