Questions 36 to 45 are based on the following passage.Millions ofAmericans are entering their 60s and are more concerned than ever about retirement They know they need to save, but how muchAnd what exactly are they saving for-to spend more time __36__ the grandkids, go traveling, or start another career It turns out that husbands and wives may have __36__ different ideas about the subject.The deepest divide is in the way spouses envisage their lifestyle in their later years, fidelity investments inc, found 41 percent of the 500 couples it surveyed __38__ on whether both or at least one spouse will work in retirement. Wives are generally right regarding their husbands‘ retirement age, but men __39__ the age their wives will be when they stop working.And husbands are slightly more __40__ about their standard of living than wives are. Busy/juggling careers and families, most couples don’t take the time to sit down, __41__ or together, and think about what they would like to do 5, 10 or 20 years from now. They __42__ they are on the same page, but the __43__ is they have avoided even talking about it If you apt to delay thinking about these issues, it is often a __44__ retirement date that provides the catalyst to start planning, getting laid off or accepting an early-retirement __45__ can force your hand, but don’t wait until you get a severance check to begin planning.A、assumeB、confidentialC、disagreeD、formulaE、forthcomingF)illustratingG)mysteriouslyH)observeI)optimisticJ)packageK)radicallyL)realityM)separatelyN)spoilingO)understimate