Take the following as truth: Participants in 401(k) plans can be particularly harmed in situations where their accounts are heavily invested in employer stock, either because their employer matches their employee contributions in the form of such stock or because they themselves make significant investments in their employer's stock using their own voluntary contributions.
Then the following statement: "Participants in 401(k) plans can be particularly dumb at times" is true, false, or inconclusive?
Answer: Inconclusive