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I am responding to a pm from Voodoochild.

First of all, as piyatiwari so eloquently pointed out --- if the argument specifies "a good plan for anyone with retirement needs similar to theirs", then they explicitly are considering the issue of differing retirement needs. In other words, they are not presuming anything along those lines.

Furthermore, beware of extreme language, which is always always always wrong on the GMAT. The phrase "similar retirement needs" -- that's balanced and sensible. The phrase "identical retirement needs" --- that's fanatically extreme. Consider any broad categories of people's lives --- their marriages, their relationship with children, their relationship with career, their relationship with religion, etc. etc. --- for any of these, we could reasonably say that the experience of this person and that person were "similar", but to say that two unrelated people had "identical" experience of marriage or family or something --- that's simply crazy. Right there, extreme = wrong.

Finally, in real world terms, there is something particularly bizarre and so completely unrealistic about the whole concept of "identical retirement needs" --- that is a phrase that, in and of itself, trumpets its own unabashed absurdity. Most people choosing a retirement account are decades away from actually retiring --- a typical person in her 30s has no idea what her needs will be by the time she is in her late 60s. If we look at two people of reasonably similar health and age, both in their 30s --- there's no way we could guarantee right now that their "retirement needs" three decades from now will be anywhere close to the same. No one can say what injuries, what diseases, what conditions, or what disabilities might occur. Some people, healthy all their lives, hit difficult health problems in their 50s, or in their 60s, or in their 70s, or much later, and it's very hard to tell, when a person is in his 30s, how all that will play out. The whole idea of two people, both in their 30s, having "identical retirement needs" --- pure fantasy, pure nonsense. It's true, if we are talking about customers in their 50s, they will have a somewhat better idea what to expect, but even in the 15 years between starting the plan and retiring, anything could happen. Folks might be on an ostensibly similar trajectory, but it is nothing short of folly to imagine that we could say two people have "identical" retirement needs. That's what leaps out at me when I read (E).

Does all this make sense?

Mike