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The financial services reform bill in Congress calls for 68 in-depth studies into financial services products and practices, including: performance data in mutual fund advertisements, short selling and stronger insurance regulation, which could impact annuities and other retirement income products.

"A lot of hte topics the new bill deals with are very complex and interconnected," Scott Talbott, senior lobbyist with the Financial Services Roundtable, told CNN. "One change in one area can set off a domino effect."

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