expectation – n. a belief that something will happen or is likely to happen

insurance – n. an agreement in which a person makes regular payments to a company and the company promises to pay money if the person is injured or dies, or to pay money equal to the value of something (such as a house or car) if it is damaged, lost, or stolen

retirement – n. the period after you have permanently stopped your job or profession

recession – n. a period of time in which there is a decrease in economic activity and many people do not have jobs

massive – adj.  very severe

consultant – n.  a person who gives professional advice or services to companies for a fee

lay off – verb phrase the act of ending the employment of a worker or group of workers

adjunct – adj. added to a teaching staff for only a short time or in a lower position than other staff

tenure - n. the right to keep a job (especially the job of being a professor at a college or university) for as long as you want to have it

contingent – adj. depending on something else that might or might not happen


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