Certainly all of the ones cited here on FR do.
Can you point to one that was not funded by Retailers, and that also included a reduction in interest rates and an FCA ? I don't know of such a study, but I do know human nature.
I guess you haven't been paying attention. The Jorgenson study, funded by the AFFT, does (and even includes the prebate!) The Kotlikoff studies do as well ... Have you read them??
Nope, haven't read them. Feel free to provide a link.