其中设计的那些问题迫使参与者详尽列出所需抚养的人及所需承担的费用，以及一旦自己身故，保险不足所留下的资金缺口。
The questions force the respondent to detail all the people and expenses he is responsible for and what he would leave uncovered without enough insurance.
这就为保险公司创造了一个巨大得惊人的缺口。
这种缺口正在变得越来越大，导致了养老保险金制度中出现资金缺乏和结构不平衡的问题。
Moreover, the disparity is becoming larger, which results in the lack of adequate fund and the unbalanced structure of the retirement fund system.
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