They would also have hybrid plans, with part of the traditional defined-benefit pension replaced by a defined-contribution plan of the sort common in the private sector.

他们同时采取复合计划，即把部分传统的确定给付养老金形式替换为私营部门常见的养老金固定缴款计划。

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That means coming clean about debts in the banking system and the regions and speeding up a plan to raise the pension age from 65 to 67.

这意味着必须清除银行系统及各地区债务，同时加快实施将养老金的发放范围65岁提高到67岁；

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GP Mary Shelby, who helped analyse the survey, said: ‘In the same way that people in their 20s and 30s don’t worry about a pension plan, similarly they are lax about their health choices.

帮助分析该调查结果的全科医生玛丽•谢尔比说：“就像人们在二十几岁到三十几岁时不用担心养老金计划一样，他们同样会对健康选择很松懈。 像中风和心脏病这样的长期疾病对人们来说似乎很遥远，但是一旦到了四十几岁时，这些健康问题会显得更加真实。”

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In most states, pensions are funded with contributions from employees and employers who participate in the pension plan.

FORBES: Charter Schools, Pensions and Golden Handcuffs

"Many midcareer workers don't realize they haven't accumulated much in a pension plan until it shuts down, " Munnell laments.

FORBES: The Big Chill

What is the effect upon participants in a pension plan when the Pension Benefit Guaranty Corporation takes over the plan and replaces company pensions with PBGC pensions?

FORBES: PBGC Pension Termination: A Worker's Perspective by Terry O'Rourke, United airlines (December 15, 2007 )