3 . A true reality of retirement planning is that your future is riding on the quality of your assumptions. Humble ______ can be dangerous.

For example, eight years into this bull market, expecting stocks to deliver as strong returns over the next decade is an uncertain proposition many are nonetheless ______.

Another potential ______ assumption is that you will be able to keep working past 65. Yet the recently released 2017 Retirement Confidence Survey by the nonpartisan Employee Benefit Research Institute finds that more than half of workers say they expect to still be on the clock past age 65. ______, less than 15 percent of today's retirees kept working that long.

"If you plan on working longer as a way to get by in retirement, you are going to be in trouble," says Craig Copeland, senior research associate at EBRI. "It should be a ______ to a solid savings and spending plan, not the foundation."

It's simply too ______ to assume you will indeed be able to work longer. A survey by the Transamerica Center for Retirement Studies found that nearly two-thirds of retirees left the workforce earlier than expected because they were laid off, reorganized out of a position, or due to general unhappiness with a job. Only 16 percent of retirees who ______ the work force earlier than they expected did so because they felt they could ______ afford to.

______, a new report from Prudential puts a dollar value on why your current employer may not be inclined (倾向于) to do back flips to keep an older you happy and engaged. The estimated one-year cost to a firm when an employee ______ retirement: $50,000.

Prudential estimates that on a company-wide level, delayed retirement can ______   overall workforce costs by 1 percent to 1.5 percent. That's not nothing. And it goes a long way in explaining why employers may be more inclined to focus on "financial wellness" strategies to get workers ready to retire ______ than programs to help workers delay retirement.

Fewer than one-third of employees surveyed by TCRS report their employer has some sort of "transition" program such as flexible work schedules, reduced hours or ______ to a different role.

"Workers' vision of retirement is changing faster than employers' business ______," said Catherine Collinson, president of TCRS. That makes it ever more crucial for pre-retirees to take the steps today that will increase the ______ they can continue to work longer, if that's part of the plan.

4 . When Mrs Green asked us to discover our professions（职业）, the whole class seemed to be greatly surprised. Our professions? We were only 13 and 14 years old! The teacher must be _____．“Yes, you will all be searching for your future ____．Each of you will have to ____ someone in your field and give an oral report.”

Each day in her class, Mrs Green talked about this. Finally, I picked print journalism(新闻业). This ____ I had to go to interview a true newspaper reporter. I was nervous. I sat down in front of him ____ able to speak. He looked at me and said, “Did you bring a pencil or pen?”

I shook my head.

“How about some ____?”

I shook my head again．

Finally, I thought he ____ I was nervous, and I got my first big tip as a ____：“Never, never go anywhere without a pen and paper．You never know what you’ll run into.” After a few days, I gave my oral report totally from_____in class. I got an A on the project．

Years later, I was in college looking around for a new career(职业), but with no success．Then I_____ Mrs Green and my dream at 13 to be a journalist. And I called my parents. They didn’t ____ me. They just reminded(提醒) me how competitive the field was and ____ all my life I had to run away from competition. This was true. But journalism did something to me; it was in my____. It gave me the freedom to go up to total strangers and ask what was _____.

For the past 12 years, I’ve had the most satisfying reporting career, ____ stories from Olympic Games to car accidents and ____ choosing my strongest area. ____ I went to pick up my phone one day, an incredible（令人难以置信的）wave of memories hit me and I realized that ____ Mrs Green I was able to be sitting at that desk.

I get ____ all the time：“How did you pick journalism?”

“Well, you see, there was a teacher…”I just wish I could ____ her．

5 . The Companies Doing the Most to Make Their Employees Happier

Fat paychecks, light workloads, and endless vacation days don’t necessarily add to happy employee. In fact, the happiest employees in the U. S. owe their happiness to first-rate employee motivations, sufficient benefits, career advancement programs, and great work-life balance. The companies that have been the most devoted to cultivating and advancing these things in the past year have seen employee happiness _____ .

The jobs site CareerBliss.com just announced the winners of this year’s “Leap Awards,” which honor the companies that have made the biggest leaps to improve employee happiness year-over-year. CareerBliss evaluated more than 250,000 company reviews and ratings it received from _____nationwide to determined the top 50 deserving companies. To_______the list, each company had to have at least 50 reviews.

“The Leap Awards are important because they highlight _____ in our workforce,” says CareerBliss’s chief executive, Heidi Golledge. CaareerBliss asked the respondents to evaluate the key factors that ______work happiness, including work-life balance, one’s relationship with the boss and co-workers, the work environment, job resources, salary, growth opportunities, company culture, company reputation, daily tasks, and job _____ .

Each respondent valued each of these things on a 1-to-5 scale, and indicated how important each was to their overall happiness at work. These numbers were______to find an average rating of overall employee happiness for each company. These averages were compared to last year’s numbers to find which companies had ______the most.

“Every employer who receives a Leap Award should ______their workplace happiness initiatives,” says Golledge. “Even though we are coming out of a difficult time, it is _____to see companies putting their efforts into providing a great environment for their employees. These efforts in workplace happiness will ensure that their employees will be around for years to come, as happiness breeds _____ .”

“We find each year that work-life balance is a key factor in determining employee happiness,” says Golledge. “Employee want to know that they can balance their career with their family and personal life. Often this______ over things like salary. Having programs that allow managers to offer employees flexibility can be a key factor in creating a happy work environment. ______, we see career advancement programs have a big impact on overall employee happiness. Often employees would rather take a job for a ______salary, if the company provides a comprehensive program which will help grow their career. Employees want to learn, develop and sustain a successful career path.”

Workplace happiness is the core of Career Bliss’ mission, Miller says“An individual’s happiness at work will create happiness throughout all areas of their life, and ______a company with a happy, motivated workforce will see exceptional results in its products and services.”

6 . Migrant workers

In the past twenty years, there has been an increasing tendency for workers to move from one country to another. While some newly independent countries have ____ most jobs to local people, others have attracted and welcomed migrant workers. This is particularly the ____ in the Middle East, where increased oil incomes have enabled many countries to ____ outsiders to improve local facilities. Thus the Middle East has attracted oil-workers from the USA and Europe. It has brought in construction workers and technicians from many countries, including South Korea and Japan.

In view of the ____ living and working conditions in the Middle East, surprising it is not that the pay is high to attract suitable workers. Many engineers and technicians can earn at least twice as much money in the Middle East as they can in their own country, and this is a ____ attraction. An allied (联合的) benefit is the low ____ or a complete lack of it. This ____ the amount of pay received by visiting workers and is very popular with them.

Sometimes a disadvantage has a compensating (补偿的) advantage. ____, the difficult living conditions often lead to increased friendship when workers have to depend on each other for safety and comfort. ____, many migrant workers can save large sum of money partly because of the lack of entertainment facilities. The work is often complex and full of problems but this merely presents greater ____ to engineers who prefer to find solutions to problems rather than do ____ work in their home country.

One major problem which affects migrant workers in the Middle East is that their jobs are ____ ones. They are nearly always on contract, so it is not easy for them to plan ahead with great confidence. This is to be ____ since no country welcomes a large number of foreign workers as permanent residents. In any case, migrant workers accept this ____, along with others, because of the ____ financial benefits which they receive.

7 . Security guard, truck driver, salesperson—year after year, these jobs appear on lists of the unhappiest careers. Although many factors can make a job _________ —unusual hours, low pay, no chance for advancement—these three jobs _________ for another reason: a lack of small talk.

Psychologists have long said that connecting with others is central to our well-being, but just how much conversation we require is under _________ . In one study, researchers overheard undergraduates for four days and then _________ each conversations either “small talk” (“What do you have there? Pop corn? Yummy!”) or “serious” (“Did they break up soon after?”). They found that the second type is connected with happiness—the happiest students had roughly twice as many “serious” talks as the unhappiest ones. Small talk, meanwhile, _________ only ten percent of their conversation, versus almost 30 percent of conversation among the unhappiest students.

However, don’t just consider small talk _________ yet. Scientists believe that small talk could promote bonding. Chatting with strangers could _________ our morning. In a series of experiments, psychologists found that those who chatted with other train passengers reported a more pleasant journey than those who didn’t.

Small talk can also help us feel connected to our _________ . People who smiled at, made eye contact with and _________ spoke with their Starbucks baristas (咖啡师) reported a greater sense of __________ than those who rushed through the transaction (交易). __________ , when volunteers broke the silence of the art gallery to chat with gallery-goers, the visitors felt happier and more connected to the exhibit than those who were not __________.

Of course, some of us are better than others at turning small talk into something bigger. In one study, people who were rated “less curious” by researchers had trouble getting a conversation __________ on their own. People who were considered “curious”, meanwhile, needed no help   __________ conversations about ordinary things like favorite holidays into friendly exchanges. A “curious mindset,” the researchers concluded, can lead to “positive social __________.”

Therefore, go ahead—small talk needn’t be idle, and nosiness isn’t all bad.

8 . A heart-warming story tells of a woman who finally decided to ask her boss for a raise in salary. All day she felt ______. Late in the afternoon she gathered the ______to approach her employer. To her ______, the boss agreed to a raise.

The woman arrived home that ______ and saw a beautiful table set with their best dishes. Candles were softly glowing. Her husband had come home early and prepared a festive ______. She wondered if someone from the _______ had told it to him, or... did he just somehow know that she would not get ______?

She found him in the kitchen and told him the good ______. They hugged and kissed, then sat down to the wonderful meal. Next to her plate the woman ______ a beautifully lettered note. It read, “Congratulations, darling! I knew you’d get the ______! These things will tell you how much I love you.”

Following the supper, her husband went into the kitchen to ______ up. She noticed that a second card had ______ from his pocket. Picking it off the floor, she read, “Don’t ______ not getting the raise! You deserve it ______! These things will tell you how much I love you.”

Someone has said that the ______of love is when you love without measure. What this man feels for his wife is total ________ and love, whether she succeeds or ______. His love celebrates her victories and calms her ______. He stands with her, no matter what ______ throws in their direction.

Upon receiving the Nobel Peace Prize, Mother Teresa said, “What can you do to _______world peace? Go home and love your family.” And love your friends. Love them without measure.