Anchor: Yet, borrowing and early withdrawals can ultimately reduce individuals' retirement income.
Entailed: Borrowing and early withdraws reduce retirement income 
Contradiction: Early withdraws and borrowing increase retirement amount 
Contradiction: People are holding American flags.
Contradiction: Besides different levels within a program, they also have different programs altogether.
Contradiction: Land regeneration is impossible.
Contradiction: Boys are strolling near by a wall