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Watch your wallets: the baby-boomers are beginningto retire 看住钱包：生育高峰期的一代人正在退休 WHEN MOST LABOUR was agricultural, peoplegenerally toiled in the fields until they dropped. Theidea of formal retirement did not become feasibleuntil work moved from farms to factories. In 1889Otto von Bismarck[1] famously introduced theworlds first pension scheme inGermany. In the 20th century, when universal suffrage became widespread, a period ofretirement after work was seen as a mark of a civilised social democracy. 过去，大多数劳力只是下田干活，直到再也干不动，才结束在土地上辛勤的劳作。自劳动从牧场转到工厂开始，正式退休这个概念才被广为流传。1889年，俾斯麦首次在德国实施第一个养老金方案。20世纪，选举逐渐开始普及，离职后如果能享有一段退休时间，是一个国家文明民主的象征。 After the second world war pension provision increased markedly, but the number of elderlypeople was still quite small. In the 1970s and 1980s caring for them seemed easily affordable.Many countries even reduced their retirement ages. 第二次世界大战之后，养老金大幅增涨，而老年人的数量仍旧较少。20世纪70年代和80年代之间，负担照管老年人的费用似乎是件很容易的事情。很多国家甚至降低了退休年龄。 | 
