Overall, the average employee contribution in Fidelityadministered 401(k) plans has remained steady at around 8 percent of annual pay for the past four years. Factoring in employer matches, the total savings rate rises to 12 percent. In the latest quarter, 5.8 percent of participants increased the amount of their 401(k) paycheck deductions, while just 3.1 percent decreased the amount..So there is the silver lining. With the offense not there to save it, "the defense stepped up, did what we had to do to win the game," as defensive end Rob Ninkovich put it. And, though it might not feel like it, recordwise the Patas are actually ahead of where they were a year ago..

Same for the uniforms of the cheerleaders and band members, too. 'It's sad that we don't get to wear it, but at the same we're trying to win a hockey game against Western Michigan,' said captain Mario Lamoureux, the only North Dakota native on the roster. 'If anyone's focus is on the jersey or what we h