VI. CONCLUSIONS A. PERFORMANCE EVALUATION OF PRIVATE PENSION SYSTEMS Performance evaluation of the nine private pension systems within the last four decades, according to the selected aspects/principles, is as follows: 1. Social Dialogue Most structural reforms were not preceded by a social dialogue. Two of these reforms were imposed by authoritarian regimes with no social dia­logue, whereas two others were approved under a democratic regime, but with significant manipulation and practically no social dialogue. The remain ­ing reforms were developed under democratic regimes—most of them based 181