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Answer these two questions in an Essay form no more than one full page of both questions, half page of each question:12 FontDouble spacedthe instructions will be bellow
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Essay:
1-Why is the U.S. retirement system described as a three legged stool? Is it
reliable?
2- What do you think of the opinion that the independent agency system
disappear because of the competition from internet, social media and other
disruptions? Apply some examples to your examples.

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