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highway with Are you ready written on pavement A short online test given to 16,000 people in 15 countries this year showed how millions are not ready, not even prepared, for retirement. (Photo: Shutterstock)

(Bloomberg) –Most online quizzes are relatively mindless, promising to reveal which vegetable, sandwich or rock band best represents your personality. That was not the case for a short online test given to 16,000 people in 15 countries this year.

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