31.   Elliott Kaminsky took early retirement a few years ago.

32.   For that reason alone, observers Wednesday were hesitant to take this retirement seriously.

33.   Greenspan said the challenge of applying theories to the marketplace discouraged him from taking retirement.

34.   He and his wife, Janice, a postal clerk, bought a home in Teaneck, and he took early retirement in January.

35.   He had lived in the south of England since taking early retirement from the center in September.

36.   He plans to take his retirement one day at a time.

37.   He took early retirement and is now a journalist, playwright, venture capitalist and business consultant in India.

38.   He took early retirement from Pacific Bell last year and the family also sold its restaurant.

39.   Hernandez plans to return to the Postal Service and then take early retirement.

40.   In many cases, long-term leases at shopping malls and other locations means swallowing big write-offs when the older cinemas take early retirement.