GALLUP NEWS SERVICE
PRINCETON, NJ -- With half the nation's adults saying they are very or moderately worried about not having enough money for it, retirement presents one of Americans' biggest financial challenges. According to Gallup's annual Economy and Personal Finance survey, conducted April 5-8, the public is more concerned about having enough money for retirement than about any of six other financial issues rated.
The good news is that more than four in five current retirees say they have enough money to live comfortably in their retirement. But whether financial security among seniors will be as widespread in the future is less clear. Only three in five non-retired adults believe they will have enough to live comfortably when they stop working. And having sufficient money in retirement is a significant concern for non-retirees: nearly 6 in 10 say they are worried about it.
Most non-retired Americans expect to receive some Social Security benefits in their retirement, but they are far less likely to say they are counting on Social Security as a major source of income than current retirees are to say they rely on it today. Instead, non-retirees are much more likely to look to personal retirement accounts, such as 401(k)s and Keogh plans to fuel their retirement. Also, income from part-time work and stock investments play a larger role in the expectations of non-retirees than they do in the income of current retirees.
Outlook for Retirement Savings
Overall, 26% of Americans are very worried and 26% are moderately worried about not having enough money for retirement. Another 21% say they are "not too worried," while 23% are not worried at all.
Concern About Having Enough Money for Retirement |
April 5-8, 2004 |
The total percentage very or moderately worried about retirement income exceeds that for paying for medical costs, making housing payments, and making minimum payments on credit cards. Perhaps the 52% who are generally worried about retirement are best contrasted with the 39% who are generally worried about maintaining their current standard of living and the 32% worried about paying their normal monthly bills. Clearly there is a large gap between people's sense of economic security at present and their concern about economic security in their retirement.
Concern About Financial Matters Percentage who are very or moderately worried |
April 5-8, 2004 |
The percentage who are very or moderately worried about retirement income is only 32% among current retirees, but is 57% among non-retired persons. Within the non-retired population, concern about saving for retirement rises from 44% among 18- to 29-year-olds to 63% among 30- to 49-year-olds and 58% among those 50 and older.
Concern About Having Enough Money for
Retirement Percentage who are very or moderately worried |
April 5-8, 2004 |
Despite this, a separate question finds that 6 in 10 non-retired adults think they will have enough money to live comfortably when they retire. Young adults (those 18-29) are especially confident, with 71% saying they will have enough. Those with fewer years ahead of them to save (adults 30 and older) are less optimistic.
When you retire, do you think you will have
enough money to live comfortably, or not? Percentage who say yes |
April 5-8, 2004 |
Current retirees are generally living quite comfortably -- and in fact report having fewer financial worries than the non-retired population. When asked whether they currently have enough money to live comfortably, 83% of current retirees say they do. This is slightly higher than for non-retired adults, 72% of whom say they currently live comfortably. It is also much higher than the percentage of non-retired adults who expect to be comfortable in retirement (59%),
Sources of Retirement Income
Gallup's Economy and Personal Finance survey asks respondents how much they rely, or expect to rely, on seven different assets or revenue streams in their retirement. For current retirees, Social Security stands out as the leading source that large numbers rely on. More than half of retirees (55%) describe Social Security as a "major source" of their current income, with another 31% calling it a "minor source." Work-sponsored pensions rank second among retirees, rated as a major source by about one-third (34%). Furthermore, more than half of retirees rely on each of these to some degree (as either a major or a minor source of income).
Fewer than half, but still a substantial number of retirees, rely to some degree on income from their home equity, from a 401(k) or other retirement savings account, from other savings accounts and CDs, from stock investments, and from annuities or insurance plans. Between 30% and 47% rate each as either a major or a minor source of income. However, no more than a quarter describe any of these as a major income source.
Relatively few retirees say that money from an inheritance, part-time work, or rent and royalties are major or even minor sources of income for them. The vast majority says it receives no income from any of these.
How much do you rely on each of the following sources of income today -- is it a major source of income, a minor source of income, or not a source at all?
Based on Current Retirees
|
|||
Major source |
Minor source |
Not a source |
|
% |
% |
% |
|
Social Security |
55 |
31 |
13 |
A work-sponsored pension plan |
34 |
22 |
42 |
The equity you have built up in your home |
24 |
19 |
50 |
A 401(k), IRA, Keogh, or other retirement savings account |
20 |
27 |
50 |
Other savings such as a regular savings account or CDs |
13 |
34 |
51 |
Individual stock or stock mutual fund investments |
10 |
26 |
62 |
Annuities or insurance plans |
9 |
21 |
67 |
Rent and royalties |
4 |
12 |
82 |
Money from an inheritance |
3 |
11 |
85 |
Part-time work |
2 |
17 |
80 |
The picture is quite different for non-retirees. According to their rating of each item as a "major source" of income, non-retirees are most likely to expect to rely on income from retirement accounts such as 401(k)s, with work-sponsored pensions a distant second, and Social Security ranking third.
When you retire, how much do you expect to rely on each of the following sources of money -- will it be a major source of income, a minor source of income, or not a source at all?
Based on Non-Retirees
|
|||
Major source |
Minor source |
Not a source |
|
% |
% |
% |
|
A 401(k), IRA, Keogh or other retirement savings account |
54 |
28 |
18 |
A work-sponsored pension plan |
30 |
32 |
37 |
Social Security |
25 |
56 |
18 |
The equity you have built up in your home |
25 |
38 |
34 |
Individual stock or stock mutual fund investments |
20 |
41 |
38 |
Other savings such as a regular savings account or CDs |
17 |
52 |
30 |
Part-time work |
17 |
50 |
32 |
Annuities or insurance plans |
8 |
34 |
57 |
Money from an inheritance |
8 |
31 |
60 |
Rent and royalties |
5 |
25 |
69 |
The following table aligns the current income sources of retirees with the income expectations of non-retirees. Here it is clear that current retirees have a far greater reliance on Social Security and pensions than future retirees expect to have. Offsetting this, non-retirees have significantly higher expectations about income from self-directed retirement accounts, such as 401(k)s, IRAs, or Keogh plans, than is the reality for current retirees. Non-retirees also have slightly higher expectations for part-time work and stock investments.
Retirement Income Sources Comparison -- %
"Major Source"
|
|||
Retired |
Non-retired |
Difference |
|
% |
% |
in pct. pts. |
|
Social Security |
55 |
25 |
30 |
A work-sponsored pension plan |
34 |
30 |
4 |
Annuities or insurance plans |
9 |
8 |
1 |
Rent and royalties |
4 |
5 |
-1 |
The equity you have built up in your home |
24 |
25 |
-1 |
Other savings such as a regular savings account or CDs |
13 |
17 |
-4 |
Money from an inheritance |
3 |
8 |
-5 |
Individual stock or stock mutual fund investments |
10 |
20 |
-10 |
Part-time work |
2 |
17 |
-15 |
A 401(k), IRA, Keogh, or other retirement savings account |
20 |
54 |
-34 |
However, when factoring in the percentage rating each as a "minor source" of income, similar proportions of non-retirees and retirees expect to receive Social Security in retirement. Although part-time work is not a substantial source of income or expected income from either group, it is notable that two-thirds of non-retired persons expect to receive some income this way, versus fewer than one in five current retirees.
Retirement Income Sources Comparison -- %
"Major Source" + % "Minor Source"
|
||
Retired |
Non-retired |
|
% |
% |
|
Social Security |
86 |
81 |
A work-sponsored pension plan |
56 |
62 |
A 401(k), IRA, Keogh, or other retirement savings account |
47 |
82 |
Other savings such as a regular savings account or CDs |
47 |
69 |
The equity you have built up in your home |
43 |
63 |
Individual stock or stock mutual fund investments |
36 |
61 |
Annuities or insurance plans |
30 |
42 |
Part-time work |
19 |
67 |
Rent and royalties |
16 |
30 |
Money from an inheritance |
14 |
39 |
Retirement Age
Americans' expectations about their retirement ages appear to be changing, as non-retirees generally see themselves working longer than current retirees actually worked. Half of all non-retirees (52%) believe they will retire at age 65 or beyond; only 26% of current retirees waited until age 65 to retire. Similarly, only 20% of non-retirees expect to stop working before they turn 60, while 35% of current retirees say they did retire before 60.
The net result of these differences is that there is a four-year gap between the average age that retirees stopped working (60) and the average age that non-retired adults say they expect to retire (64).
Retirement Age Comparison
|
||||||
Under |
|
|
|
Over |
|
|
Retirees -- actual age retired |
17 |
18 |
37 |
14 |
12 |
60 |
Non-retirees -- expected retirement age |
9 |
11 |
21 |
26 |
26 |
64 |
Survey Methods
These results are based on telephone interviews with a randomly selected national sample of 1,014 adults, aged 18 and older, conducted April 5-8, 2004. For results based on this sample, one can say with 95% confidence that the maximum error attributable to sampling and other random effects is ±3 percentage points. In addition to sampling error, question wording and practical difficulties in conducting surveys can introduce error or bias into the findings of public opinion polls.
23. Next, please tell me how concerned you are right now about each of the following financial matters, based on your current financial situation -- are you very worried, moderately worried, not too worried, or not worried at all. If a particular item does not apply to you, please say so. First, how worried are you about … How about-- [RANDOM ORDER]?
A. Not being able to pay medical costs for normal health care
|
Mod-erately worried |
|
Not worried |
DOESN'T APPLY |
|
|
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
21 |
16 |
24 |
36 |
3 |
* |
2003 Apr 7-9 |
17 |
20 |
24 |
36 |
3 |
* |
2002 Apr 8-11 |
18 |
17 |
26 |
36 |
2 |
1 |
2001 Apr 6-8 |
22 |
22 |
24 |
31 |
1 |
0 |
B. Not being able to pay medical costs in the event of a serious illness or accident
|
Mod-erately worried |
|
Not worried |
DOESN'T APPLY |
|
|
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
26 |
21 |
24 |
27 |
2 |
* |
2003 Apr 7-9 |
24 |
22 |
23 |
29 |
2 |
-- |
2002 Apr 8-11 |
21 |
24 |
25 |
28 |
1 |
1 |
2001 Apr 6-8 |
27 |
23 |
24 |
25 |
1 |
* |
C. Not being able to pay your rent, mortgage or other housing costs
|
Mod-erately worried |
|
Not worried |
DOESN'T APPLY |
|
|
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
11 |
13 |
26 |
42 |
7 |
1 |
2003 Apr 7-9 |
11 |
14 |
27 |
43 |
5 |
* |
2002 Apr 8-11 |
8 |
14 |
26 |
47 |
4 |
1 |
2001 Apr 6-8 |
10 |
14 |
28 |
44 |
4 |
* |
D. Not being able to maintain the standard of living you enjoy
|
Mod-erately worried |
|
Not worried |
DOESN'T APPLY |
|
|
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
16 |
23 |
29 |
31 |
1 |
* |
2003 Apr 7-9 |
14 |
24 |
32 |
29 |
1 |
* |
2002 Apr 8-11 |
12 |
23 |
31 |
32 |
1 |
1 |
2001 Apr 6-8 |
16 |
27 |
30 |
26 |
1 |
* |
E. Not being able to make the minimum payments on your credit cards
|
Mod-erately worried |
|
Not worried |
DOESN'T APPLY |
|
|
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
7 |
10 |
22 |
46 |
15 |
* |
2003 Apr 7-9 |
7 |
9 |
21 |
47 |
16 |
* |
2002 Apr 8-11 |
7 |
8 |
21 |
48 |
15 |
1 |
2001 Apr 6-8 |
9 |
9 |
22 |
41 |
19 |
* |
F. Not having enough money for retirement
|
Mod-erately worried |
|
Not worried |
DOESN'T APPLY |
|
|
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
26 |
26 |
21 |
23 |
4 |
* |
2003 Apr 7-9 |
24 |
30 |
22 |
20 |
4 |
* |
2002 Apr 8-11 |
25 |
29 |
19 |
22 |
4 |
1 |
2001 Apr 6-8 |
24 |
29 |
24 |
19 |
4 |
* |
G. Not having enough to pay your normal monthly bills
|
Mod-erately worried |
|
Not worried |
DOESN'T APPLY |
|
|
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
12 |
20 |
28 |
39 |
1 |
* |
2003 Apr 7-9 |
12 |
18 |
29 |
40 |
1 |
* |
2002 Apr 8-11 |
11 |
19 |
27 |
42 |
1 |
* |
2001 Apr 6-8 |
12 |
20 |
29 |
39 |
* |
* |
* Less than 0.5% |
||||||
(vol.) Volunteered response |
SUMMARY TABLE: ECONOMIC CONCERNS
TREND IN VERY+MODERATELY WORRIED
Having enough for retire- |
Paying costs for ser- |
Main- |
Paying medi- |
Pay- |
Pay- |
Mak- |
|
% |
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
52 |
47 |
39 |
37 |
32 |
24 |
17 |
2003 Apr 7-9 |
54 |
46 |
38 |
37 |
30 |
25 |
16 |
2002 Apr 8-11 |
54 |
45 |
35 |
35 |
30 |
22 |
15 |
2001 Apr 6-8 |
53 |
50 |
43 |
44 |
32 |
24 |
18 |
28. When you retire, do you think you will have enough money to live comfortably, or not?
BASED ON -- 758 -- NON-RETIRED ADULTS
Yes |
No |
No opinion |
|
% |
% |
% |
|
2004 Apr 5-8 |
59 |
35 |
6 |
2003 Apr 7-9 |
59 |
36 |
5 |
2002 Apr 8-11 |
59 |
32 |
9 |
29. When you retire, how much do you expect to rely on each of the following sources of money -- will it be a major source of income, a minor source of income, or not a source at all? How about -- [READ A-J IN ORDER]?
BASED ON -- 758 -- NON-RETIRED ADULTS
A. Social Security
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
25 |
56 |
18 |
1 |
2003 Apr 7-9 |
29 |
57 |
12 |
2 |
2002 Apr 8-11 |
27 |
56 |
15 |
2 |
2001 Apr 6-8 |
28 |
57 |
14 |
1 |
B. A 401(k), IRA, Keogh, or other retirement savings account
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
54 |
28 |
18 |
* |
2003 Apr 7-9 |
47 |
34 |
17 |
2 |
2002 Apr 8-11 |
53 |
28 |
16 |
3 |
2001 Apr 6-8 |
58 |
26 |
15 |
1 |
* Less than 0.5% |
C. Individual stock or stock mutual fund investments
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
20 |
41 |
38 |
1 |
2003 Apr 7-9 |
20 |
42 |
36 |
2 |
2002 Apr 8-11 |
23 |
43 |
32 |
2 |
2001 Apr 6-8 |
24 |
39 |
36 |
1 |
D. Money from an inheritance
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
8 |
31 |
60 |
1 |
2003 Apr 7-9 |
7 |
31 |
60 |
2 |
2002 Apr 8-11 |
10 |
28 |
60 |
2 |
2001 Apr 6-8 |
7 |
29 |
63 |
1 |
E. Other savings such as a regular savings account or CDs
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
17 |
52 |
30 |
1 |
2003 Apr 7-9 |
19 |
52 |
27 |
2 |
2002 Apr 8-11 |
23 |
50 |
25 |
2 |
2001 Apr 6-8 |
16 |
51 |
32 |
1 |
F. A work-sponsored pension plan
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
30 |
32 |
37 |
1 |
2003 Apr 7-9 |
28 |
32 |
39 |
1 |
2002 Apr 8-11 |
29 |
33 |
36 |
2 |
2001 Apr 6-8 |
34 |
28 |
37 |
1 |
G. Rent and royalties
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
5 |
25 |
69 |
1 |
2003 Apr 7-9 |
5 |
27 |
66 |
2 |
2002 Apr 8-11 |
8 |
29 |
60 |
3 |
2001 Apr 6-8 |
5 |
22 |
72 |
1 |
H. Annuities or insurance plans
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
8 |
34 |
57 |
1 |
2003 Apr 7-9 |
10 |
36 |
53 |
1 |
2002 Apr 8-11 |
7 |
40 |
51 |
2 |
2001 Apr 6-8 |
7 |
34 |
58 |
1 |
I. Part-time work
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
17 |
50 |
32 |
1 |
2003 Apr 7-9 |
13 |
57 |
29 |
1 |
2002 Apr 8-11 |
16 |
51 |
31 |
2 |
2001 Apr 6-8 |
10 |
52 |
36 |
2 |
J. The equity you have built up in your home
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
25 |
38 |
34 |
3 |
2003 Apr 7-9 |
25 |
42 |
30 |
3 |
2002 Apr 8-11 |
24 |
40 |
33 |
3 |
SUMMARY TABLE: EXPECTED RETIREMENT INCOME SOURCES
2004 Apr 5-8 |
Major source |
Minor source |
Not a source |
% |
% |
% |
|
A 401(k), IRA, Keogh or other retirement savings account |
54 |
28 |
18 |
A work sponsored pension plan |
30 |
32 |
37 |
Social Security |
25 |
56 |
18 |
The equity you have built up in your home |
25 |
38 |
34 |
Individual stock or stock mutual fund investments |
20 |
41 |
38 |
Other savings such as a regular savings account or CDs |
17 |
52 |
30 |
Part-time work |
17 |
50 |
32 |
Annuities or insurance plans |
8 |
34 |
57 |
Money from an inheritance |
8 |
31 |
60 |
Rent and royalties |
5 |
25 |
69 |
30. At what age do you expect to retire?
BASED ON -- 758 -- NON-RETIRED ADULTS
Under 55 |
|
|
|
Over |
Never retire |
No opinion |
|
|
% |
% |
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
9 |
11 |
21 |
26 |
26 |
-- |
7 |
64 |
2003 Apr 7-9 |
8 |
11 |
23 |
28 |
22 |
-- |
8 |
63 |
2002 Apr 8-11 |
7 |
15 |
21 |
26 |
21 |
-- |
10 |
63 |
1995 Dec 15-18 |
15 |
12 |
23 |
29 |
15 |
5 |
4 |
60 |
1995 Nov 6-8 |
16 |
11 |
20 |
34 |
12 |
3 |
4 |
60 |
31. How much do you rely on each of the following sources of income today -- is it a major source of income, a minor source of income, or not a source at all? How about -- [READ A-J IN ORDER]?
BASED ON -- 256 -- RETIRED ADULTS
A. Social Security
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
55 |
31 |
13 |
1 |
2003 Apr 7-9 |
50 |
35 |
13 |
2 |
2002 Apr 8-11 |
58 |
22 |
18 |
2 |
B. A 401(k), IRA, Keogh, or other retirement savings account
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
20 |
27 |
50 |
3 |
2003 Apr 7-9 |
20 |
26 |
51 |
3 |
2002 Apr 8-11 |
19 |
23 |
56 |
2 |
C. Individual stock or stock mutual fund investments
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
10 |
26 |
62 |
2 |
2003 Apr 7-9 |
12 |
27 |
57 |
4 |
2002 Apr 8-11 |
15 |
31 |
52 |
2 |
D. Money from an inheritance
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
3 |
11 |
85 |
1 |
2003 Apr 7-9 |
4 |
11 |
82 |
3 |
2002 Apr 8-11 |
4 |
11 |
84 |
1 |
E. Other savings such as a regular savings account or CDs
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
13 |
34 |
51 |
2 |
2003 Apr 7-9 |
14 |
39 |
46 |
1 |
2002 Apr 8-11 |
15 |
33 |
51 |
1 |
F. A work-sponsored pension plan
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
34 |
22 |
42 |
2 |
2003 Apr 7-9 |
41 |
14 |
44 |
1 |
2002 Apr 8-11 |
29 |
16 |
51 |
4 |
G. Rent and royalties
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
4 |
12 |
82 |
2 |
2003 Apr 7-9 |
5 |
17 |
76 |
2 |
2002 Apr 8-11 |
6 |
13 |
80 |
1 |
H. Annuities or insurance plans
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
9 |
21 |
67 |
3 |
2003 Apr 7-9 |
6 |
23 |
69 |
2 |
2002 Apr 8-11 |
8 |
21 |
69 |
2 |
I. Part-time work
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
2 |
17 |
80 |
1 |
2003 Apr 7-9 |
1 |
18 |
80 |
1 |
2002 Apr 8-11 |
3 |
14 |
82 |
1 |
J. The equity you have built up in your home
Major source |
Minor source |
Not a source |
No opinion |
|
% |
% |
% |
% |
|
2004 Apr 5-8 |
24 |
19 |
50 |
7 |
2003 Apr 7-9 |
25 |
15 |
55 |
5 |
2002 Apr 8-11 |
18 |
14 |
60 |
8 |
SUMMARY TABLE: RETIREMENT INCOME SOURCES
2004 Apr 5-8 |
Major source |
Minor source |
Not a source |
% |
% |
% |
|
Social Security |
55 |
31 |
13 |
A work-sponsored pension plan |
34 |
22 |
42 |
The equity you have built up in your home |
24 |
19 |
50 |
A 401(k), IRA, Keogh, or other retirement savings account |
20 |
27 |
50 |
Other savings such as a regular savings account or CDs |
13 |
34 |
51 |
Individual stock or stock mutual fund investments |
10 |
26 |
62 |
Annuities or insurance plans |
9 |
21 |
67 |
Rent and royalties |
4 |
12 |
82 |
Money from an inheritance |
3 |
11 |
85 |
Part-time work |
2 |
17 |
80 |
32. At what age did you retire?
BASED ON -- 256 -- RETIRED ADULTS
Under |
|
|
|
Over |
No opinion |
|
|
% |
% |
% |
% |
% |
% |
% |
|
2004 Apr 5-8 |
17 |
18 |
37 |
14 |
12 |
2 |
60 |
2003 Apr 7-9 |
21 |
14 |
34 |
12 |
15 |
4 |
59 |
2002 Apr 8-11 |
19 |
19 |
34 |
13 |
11 |
4 |
59 |
1993 Apr |
27 |
18 |
25 |
14 |
11 |
5 |
57 |
1992 Apr |
21 |
16 |
36 |
13 |
8 |
6 |
58 |
1991 Apr |
28 |
12 |
36 |
11 |
7 |
6 |
57 |