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Those of retirement age have always been more conservative while as we have seen the next layer down are altering their views as they live long enough to count the cost.

Women are more likely to take responsibility for their spouses' health.Europe has the lowest birth rate of its entire history - only 1.48 children per woman in a lifetime.At the same time there is a big bulge of 55-70 year old men and women with fewer dependants, yet with time, money and influence.Divorce and separation creates poverty as we will see later.Was it because of lower stress levels or better social support within marriage ?

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