Final-salary, or defined-benefit (DB), schemes are in place for long-serving workers.
最终薪金或确定给付计划是为长期服务的工人制定的。
In 2006 80% of them relied on defined-benefit plans, which pay a pension based on wages and years on the job.
2006年，80%的雇员依靠的是确定给付计划，这就意味着养老金是根据工作的工资和年限支付的。
And as it turned out, a lot of those plans failed catastrophically. Defined-benefit plans have a huge downside: they drastically discourage labor mobility.
最终，这些计划都失败了，它们有一个严重的弊端，这便是它们彻底的阻碍了劳动力的流动性。
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