In 1998, about 48 percent of retirees lacked pension income or annuities, and about 53 percent of those employed lacked a pension plan.
The employed were too lazy to plan a head.
mnli hypothesis: The employed were too lazy to plan a head. premise: In 1998, about 48 percent of retirees lacked pension income or annuities, and about 53 percent of those employed lacked a pension plan.