Problem: Here is a premise:
Alternatively, they might not save more or work longer, and they would experience a lower standard of living in retirement.

Here is a hypothesis:
For them to experience lower standards of living than they otherwise could is immoral.

Here are the options:

Answer: it is not possible to tell

Problem: Here is a premise:
The few stinky letters were from clergymen.

Here is a hypothesis:
The three or so surprising yet pungent letters were from clergymen.

Here are the options:

Answer: it is not possible to tell

Problem: Here is a premise:
Obtaining funds from study sections on emergency care is difficult because peer-reviewers do not view alcohol-related research as being vital.

Here is a hypothesis:
The opinion of peer-reviewers has an effect on the ability to obtain funds.

Here are the options:

Answer: yes

Problem: Here is a premise:
yeah see and yeah see and here in Lubbock everything's so close i can imagine what it's like up there

Here is a hypothesis:
I have lived in Lubbock for a few years.

Here are the options:

Answer:
it is not possible to tell