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Why don't lower-income individuals have pensions?
Why don't some states and localities pay their required pension contributions?
 Why has U.S. life expectancy fallen below other countries?
 Why has poverty declined for widows?
Why have defined benefit plans survived in the public sector?
Why have some states introduced defined contribution plans?
 Why is the Church Undergoing a Crisis of Affectivity and a Crisis of Governance?

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