题目内容：
Directions：In this section,you will hear a passage three times．When the passage is read for the first time,you should listen carefully for its general idea．When the passage is read for the second time．you are required to fill in the blanks numbered from 36 to 43 with the exact words you have just heard．For blanks numbered from 44 to 46 you are required to fill in the missing information．For these blanks，you can either use the exact words you have just heard or write down the main points in your own words．Finally,when the passage is read for the third time,you should check what you have written． 注意：此部分试题在答题卡2上；请在答题卡2上作答。
Many workers depend on plans(36)__________by their employers to help pay for their retirement．There are two major kinds of retirement plans．One is defined by what is paid out,the other by what is paid in．
The first is called a defined(37)________plan，or pension．It provides set(38)________based on the number of years an(39)_______has worked．These plans often pay for health care and other costs．They might also provide money to family members when the(40)______________dies．
Pensions，however，Can be a big cost to employers．In the United States，the change from a(41)____________economy to a service economy has resulted in fewer and fewer(42)_______________plans.
The other major kind of retirement plan is called a defined(43)________plan．Two things define how much a worker will get at retirement．(44)___________________.
One popular version is a four-oh-one-k plan,named after a part of the tax law．(45)_____________________________.
But some plans are very complex．An easier way for small employers to offer
retirement savings is through a Savings Incentive Matc Plan．(46)________________.
根据所听短文，回答题
请作答_______
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