People tend to underestimate their life expectancy, and it´s not surprising. It´s the look-around problem again: You__36__from life spans of older friends and family members and figure out what´s in__37__for you, too. But in an era of rapidly improving life expectancy, the look-around method once again gives the wrong answer.Life expectancy at age 65 today is 15.6 additional years for woman. For both sexes, this represents an__38__of more than two years just since 1970. By the time the youngest baby boomers turn 65, the Social Security Administration__39__that life expectancy at that age could be as high as 18 more years for men and 21 years for women. Note that everyone__40__very nearly a 50 percent "risk" of living longer than their life expectancy.That reality makes retirement planning__41__difficult. On the day a husband and wife__42__65, they may have only a year or two of living between them to finance, or they may have 70. A good rule of thumb might be to plan against the possibility that you will__43__three quarters of the people in your age group — an actuarial(保险核计的)calculation our Website calculator allows you to make. You may not want to__44__a child a college education just so you are sure to have enough money to celebrate your 95th birthday, but you also don´t want to become a burden on your children just because you unexpectedly live to be 10 years older than the__45__life expectancy for people your age.A)increase B)expectancyC)generalize D)typicallyE)deny F)specialG)average H)maintainI)exceptionally J)outliveK)runs L)doomedM)turn N)projectsO)store