Text: Households for whom individual accounts closely resemble 401(k)s and IRAs and who are currently saving as much as they choose for retirement would probably reduce their own saving in the presence of individual accounts.
Entailment: If individuals had their own  accounts they may invest less in accounts like 401(k)s and IRA's.
Contradiction: 401(k)s and IRA's are no longer being offered by companies across the country