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考研英语翻译讲词析考研英语翻译讲词析Duringthepastgeneration,theAmericanmiddle-classfamilythatoncecouldcountonhardworkandfairplaytokeepitselffinanciallysecurehadbeentransformedbyeconomicriskandnewrealties.Nowapinkslip,abaddiagnosis,oradisappearingspousecanreduceafamilyfromsolidlymiddleclasstonewlypoorinafewmonths.Injustonegeneration,millionsofmothershavegonetowork,transformingbasicfamilyeconomics.Scholars,policymakers,andcriticsofallstripeshavedebatedthesocialimplicationsofthesechanges,butfewhavelookedatthesideeffect:familyriskhasrisenaswell.Todaysfamilieshavebudgetedtothelimitsoftheirsnewtwo-paycheckstatus.Asaresult,theyhavelosttheparachutedtheyoncehadintimesoffinancialsetbackaback-upearnerwhocouldgointotheworkforceiftheprimaryearnergotlaidofforfellsick.Thisadded-workereffectcouldsupportthesafetynetofferedbyunemploymentinsuranceordisabilityinsurancetohelpfamiliesweatherbadtimes.Buttoday,adisruptiontofamilyfortunescannolongerbemadeupwithextraincomefromanotherwise-stay-at-homepartner.Duringthesameperiod,familieshavebeenaskedtoabsorbmuchmoreriskintheirretirementincome.Steelworkers,airlineemployees,andnowthoseintheautoindustryarejoiningmillionsoffamilieswhomustworryaboutinterestrates,stockmarketfluctuation,andtheharshrealitythattheymayoutlivetheirretirementmoney.Formuchofthepastyear,PresidentBushcampaignedtomoveSocialSecuritytoasaving-accountmodel,withretireestradingmuchoralloftheirguaranteedpaymentsforpaymentsdependingoninvestmentreturns.Foryoungerfamiliesthepictureisnotanybetter.Boththeabsolutecostofhealthcareandtheshareofitbornebyfamilieshaverisenandnewlyfashionablehealth-savingplansarespreadingfromlegislativehallstoWal-Martworkers,withmuchhigherdeductiblesandalargenewdoseofinvestmentriskforfamiliesfuturehealthcare.Evendemographicsareworkingagainstthemiddleclassfamily,astheoddsofhavingaweakelderlyparentandalltheattendantneedforphysicalandfinancialassistancehavejumpedeightfoldinjustonegeneration.
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