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A new Fidelity study finds that while Americans' retirement readiness scores have improved,there's still work to be done if those who are still behind aren'tgoing to be stuck at a subsistence level, or worse, inretirement.

In its biennial Retirement Savings Assessment, Fidelity says thatAmericans have actually made a lot of progress over the last 15years, increasing the retirement readiness score from its 2006level of 62 to a more respectable 83, considered to be in the greenzone.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.