I am having some trouble with my dissertation, in particular the economic implications side. I am looking into whether ethnicity affects the levels of private pension coverage, but I am having real difficulties in linking this to an economic theory. I have stated that the disadvantage suffered by ethnic minorities points to an incomplete market for pensions, and hence a market failure, but apparently this is too vague and not very concrete. Is anyone able to offer any thoughts or help on this? Many thanks
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