For
a
start
,
we
need
to
change
our
____________________
of
'retirement'
,
and
we
need
to
change
mindsets
arising
from
earlier
government
policy
which
,
in
the
face
of
high
unemployment
levels
,
encouraged
mature
workers
to
take
early
retirement
.
Today
,
government
encourages
them
to
____________________
their
retirement
.
We
now
need
to
think
of
retirement
as
a
phased
process
,
where
mature
age
workers
____________________
reduce
their
hours
,
and
where
they
have
considerable
flexibility
in
how
they
combine
their
work
and
non
work
time
.
We
also
need
to
recognize
the
broader
change
that
is
occurring
in
how
people
work
,
learn
,
and
live
.
Increasingly
we
are
moving
away
from
a
linear
relationship
between
education
,
training
,
work
,
and
retirement
,
as
people
move
in
and
out
of
jobs
,
careers
,
caregiving
,
study
,
and
leisure
.
Employers
of
choice
remove
the
____________________
between
the
different
segments
of
people's
lives
,
by
creating
flexible
conditions
of
work
and
a
range
of
leave
entitlements
.
They
take
an
individualized
approach
to
workforce
planning
and
development
so
that
the
needs
of
employers
and
employees
can
be
met
____________________
.
