The greater the visual impairment, the higher the melatonin level, the lower the estrogen levels and the lower the risk. Working night shifts or being exposed to low frequency electromagnetic radiation both suppress melatonin levels and unsurprisingly, increase breast cancer rates.
Roadmap to retirement: When your employer or plan changes. A private retirement plan can change its rules or terminate at any time. These changes can occur for a variety of reasons: during company mergers, to streamline plan administration, to improve plan features, or to reduce costs.
With the shift in Social Security benefits to a later retirement age, and with the demise of traditional pensions (meaning the average American has to do more personal saving for retirement, something we as a country are well behind in), it makes sense that people would be waiting longer to retire.