A true reality of retirement planning is that your future is riding on the quality of your assumptions. Humble ______ can be dangerous.

For example, eight years into this bull market, expecting stocks to deliver as strong returns over the next decade is an uncertain proposition many are nonetheless ______.

Another potential ______ assumption is that you will be able to keep working past 65. Yet the recently released 2017 Retirement Confidence Survey by the nonpartisan Employee Benefit Research Institute finds that more than half of workers say they expect to still be on the clock past age 65. ______, less than 15 percent of today's retirees kept working that long.

"If you plan on working longer as a way to get by in retirement, you are going to be in trouble," says Craig Copeland, senior research associate at EBRI. "It should be a ______ to a solid savings and spending plan, not the foundation."

It's simply too ______ to assume you will indeed be able to work longer. A survey by the Transamerica Center for Retirement Studies found that nearly two-thirds of retirees left the workforce earlier than expected because they were laid off, reorganized out of a position, or due to general unhappiness with a job. Only 16 percent of retirees who ______ the work force earlier than they expected did so because they felt they could ______ afford to.

______, a new report from Prudential puts a dollar value on why your current employer may not be inclined (倾向于) to do back flips to keep an older you happy and engaged. The estimated one-year cost to a firm when an employee ______ retirement: $50,000.

Prudential estimates that on a company-wide level, delayed retirement can ______   overall workforce costs by 1 percent to 1.5 percent. That's not nothing. And it goes a long way in explaining why employers may be more inclined to focus on "financial wellness" strategies to get workers ready to retire ______ than programs to help workers delay retirement.

Fewer than one-third of employees surveyed by TCRS report their employer has some sort of "transition" program such as flexible work schedules, reduced hours or ______ to a different role.

"Workers' vision of retirement is changing faster than employers' business ______," said Catherine Collinson, president of TCRS. That makes it ever more crucial for pre-retirees to take the steps today that will increase the ______ they can continue to work longer, if that's part of the plan.

Migrant workers

In the past twenty years, there has been an increasing tendency for workers to move from one country to another. While some newly independent countries have ____ most jobs to local people, others have attracted and welcomed migrant workers. This is particularly the ____ in the Middle East, where increased oil incomes have enabled many countries to ____ outsiders to improve local facilities. Thus the Middle East has attracted oil-workers from the USA and Europe. It has brought in construction workers and technicians from many countries, including South Korea and Japan.

In view of the ____ living and working conditions in the Middle East, surprising it is not that the pay is high to attract suitable workers. Many engineers and technicians can earn at least twice as much money in the Middle East as they can in their own country, and this is a ____ attraction. An allied (联合的) benefit is the low ____ or a complete lack of it. This ____ the amount of pay received by visiting workers and is very popular with them.

Sometimes a disadvantage has a compensating (补偿的) advantage. ____, the difficult living conditions often lead to increased friendship when workers have to depend on each other for safety and comfort. ____, many migrant workers can save large sum of money partly because of the lack of entertainment facilities. The work is often complex and full of problems but this merely presents greater ____ to engineers who prefer to find solutions to problems rather than do ____ work in their home country.

One major problem which affects migrant workers in the Middle East is that their jobs are ____ ones. They are nearly always on contract, so it is not easy for them to plan ahead with great confidence. This is to be ____ since no country welcomes a large number of foreign workers as permanent residents. In any case, migrant workers accept this ____, along with others, because of the ____ financial benefits which they receive.

A heart-warming story tells of a woman who finally decided to ask her boss for a raise in salary. All day she felt ______. Late in the afternoon she gathered the ______to approach her employer. To her ______, the boss agreed to a raise.

The woman arrived home that ______ and saw a beautiful table set with their best dishes. Candles were softly glowing. Her husband had come home early and prepared a festive ______. She wondered if someone from the _______ had told it to him, or... did he just somehow know that she would not get ______?

She found him in the kitchen and told him the good ______. They hugged and kissed, then sat down to the wonderful meal. Next to her plate the woman ______ a beautifully lettered note. It read, “Congratulations, darling! I knew you’d get the ______! These things will tell you how much I love you.”

Following the supper, her husband went into the kitchen to ______ up. She noticed that a second card had ______ from his pocket. Picking it off the floor, she read, “Don’t ______ not getting the raise! You deserve it ______! These things will tell you how much I love you.”

Someone has said that the ______of love is when you love without measure. What this man feels for his wife is total ________ and love, whether she succeeds or ______. His love celebrates her victories and calms her ______. He stands with her, no matter what ______ throws in their direction.

Upon receiving the Nobel Peace Prize, Mother Teresa said, “What can you do to _______world peace? Go home and love your family.” And love your friends. Love them without measure.