1.   ...civil servants who were nearing pensionable age.

2.   Each will hold a mix of stocks, bonds and money market investments, and the mix will become more conservative as the child nears college age.

3.   Ms. McLaughlin has two younger brothers nearing college age.

4.   The asset allocations shift over the years, moving toward more stable investments as the child nears college age.

5.   The five founding partners in Toronto were nearing retirement age and wanted to cash out.

6.   The mix for young kids starts out almost entirely in the stock market but shifts into bonds and money-market instruments as a beneficiary nears college age.

7.   Yaku, who is nearing breeding age, will become the only male in Chicago.