听力原文： Naturally, a large number of senior citizens in America are looking forward to enjoying their retirement, but the recent trend in retirement has made it harder and harder. Some people have to delay their retirement by a few years and keep working to earn extra income, and those who have already quit their job have a very tough time finding another one. According to the nation's largest credit-counseling agency, the baby boomer generation is the first generation that is going into retirement carrying substantial credit-card debt. The average credit-card balance among Americans over the age of 65 climbed 149 percent between 1989 and 2001. Those between the ages of 55 and 64 carried a similar amount of debt.
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