11.   He and Ms. Holzer said one reason was that with the decline of traditional pensions, boomers had to take over saving for their retirement.

12.   Hundreds of companies have already converted from traditional pension plans to cash-balance pensions.

13.   If the money is not invested profitably, it could be much less than under the traditional pension.

14.   In a typical case, a traditional pension will provide a longtime employee with about half the money earned while working.

15.   In many cases, employees use the plans to supplement traditional pensions.

16.   Instead of traditional pension plans, we have employee investment programs.

17.   It would not apply, however, to companies that also have a substantial traditional pension that pays a set benefit regardless of how its investments fare.

18.   Many companies have canceled traditional pension plans in which they provided workers with a set amount of money each month.

19.   Midway Express Airlines of Milwaukee is cutting traditional pension benefits for flight attendants, and the major airlines are struggling with deficits in their pension programs.

20.   Most traditional pension funds promise to pay specified benefits, regardless of fluctuations in their investment portfolios.