Bleak hopes about retirement savings.

A new study by the Employee Benefit Research Institute finds that the “percentage of workers who said they were very confident about having enough money for retirement decreased from 27 percent last year to 18 percent this year, the sharpest one-year drop” since the group began the survey 18 years ago. Just 34 percent of all workers now “expect to have access to employer-paid health insurance in retirement, down 8 percentage points from last year (42 percent in 2007).”