17. Unifying, Expanding the Scope, and Making the Supervisor Independent A unified supervisor, with real independence and reinforced power is essential for both private and public systems. a) In Chile, the Superintendence of Pensions that regulates and supervises all pensions should include the armed forces; b) Also, there is only a one superintendence in Costa Rica(there is one in the Dominican Republic but with less power); the rest of the countries should fol­low this example and implement a unified superintendence(without excluding any regime), which is truly independent and specialized in pensions(in Colombia it would be advisable to separate it from the Financial Superintendence and in Peru to separate it from the Superintendence of Banking and Insurance); c) In Argentina, the public fund(FGS) should be converted into an autono­mous institution, not managed by ANSES but by a collective technical body and without government intervention, while the recommendations of the congressional commission should be binding; d) In Bolivia, the supervisory agency should not be under the“tutelage” of a ministry and be clearly independent from the executive branch; and e) CONSAR in Mexico should extend its supervision to all separate regimes with entitlement conditions and very generous benefits, subsidized by fiscal authorities. 18. What Model for the Reform? In this monograph I have consistently argued that any type of reform must be adapted to the peculiarities of each country, because it has been proven that a reform model for all countries does not work—as was proven when Bolivia and El Salvador copied the Chilean substitute model, these countries lacked the essen­tial conditions that Chile had in the labor market, in the capital market, etc. It would, therefore, be a flagrant contradiction to recommend here only one re-re ­form model. As general guidelines, first, I recommend a series of requirements 225