Pensions are not a universal source of retirement income, and more than half of those working in 1998 lacked a pension plan.
The vast majority of workers in 1998 had pension plans for retirement.
mnli hypothesis: The vast majority of workers in 1998 had pension plans for retirement. premise: Pensions are not a universal source of retirement income, and more than half of those working in 1998 lacked a pension plan.