There is a challenge here for anyone who would put forward alternative approaches to prove that the numbers add up.

WHITEHOUSE: Press Briefing

Another reason why it is such a relationship business is because there are no standards here-anyone can be a consultant.

FORBES: International Campaign to Eliminate Pension Consultant Abuses (November 2, 2004 )

So here are a few suggestions of what is out there for anyone who does not need their phone to be too smart.

BBC: In search of simple phones