Related by context. All words. (Click for frequent words.) 40 overcome debilitating stammer 37 bankroll lavish lifestyle 37 Jonathas Metelus 37 inhale ammonia fumes 37 DEAR BRUCE My 37 gloomiest outlook 36 unravel Bernard Madoff 36 repay Tarp 36 Li Datong veteran 36 Mollendo Peru 35 prioritize employability 35 quit 34 Rouseys 34 father Redha Hassan 34 forearm cramp 34 Drastic cutbacks 34 retire 34 unwind Kerviel 34 Edward abdicates 34 Ngozi Nnaji 34 Mounting defaults 34 bathroom Chatel 34 spur homebuying 34 upbraided Sullivan 34 bettors gravitating toward 34 replaced Dean Baquet 34 cried Mirwais 34 lived frugally 33 emigrate 33 Prime Minster Ryutaro Hashimoto 33 housesit 33 law Peter Goulandris 33 householders shivering 33 inhale ammonia 33 immigrate 33 Tryst Nightclub inside 33 retrench 33 orderly unwinding 33 juggle motherhood 33 Mr Munchenberg 33 methodically detonating 33 sole wage earner 33 Nazis invaded 33 AlixPartners turnaround 33 wealthy non doms 32 bilked investors 32 amassed fortune 32 Qana Khalil Shalhoub 32 woodworking hobby 32 old Jan Gissel 32 Demjanjuk retired autoworker 32 Sophia Koropeckyj 32 Fred Buenrostro 32 lavish vacations 32 annuitise 32 Princess Ileana 32 retirement 32 finance lavish lifestyle 32 emigrated 32 muttered Alrighty got 31 Mathew Greenwald 31 annuitisation 31 recession Altig 31 Yitzhak Natan Zada 31 BOSTON Putnam Investments 31 giant Fortis NV 31 stockpiles dwindle 31 AccuQuote specializes 31 magazine Bilanz estimated 31 MOBILE Ala. Mardy Gilyard 31 university endowments foundations 31 virtually penniless 31 Eli Broad philanthropist 31 outplacement consulting 31 Eric Kolchinsky blamed 31 DFI supervises 31 juggle schoolwork 31 Jen'nan G. Read 31 Sgt Namer 31 Eutisha Revee Rennix 31 woman wins LottoA 31 McClearen 31 Sakai Sasaki 31 retirement nest eggs 31 roust Skinner 30 replaces Phillip Fulmer 30 nudged Joey Logano 30 pursue postsecondary education 30 Dugue retired 30 flee 30 Mortgage lender NovaStar 30 living frugally 30 IRA withdrawals 30 Blas Matus 30 chaotic unwinding 30 entrepreneurial endeavors 30 prospered 30 Chief Executive Werner Seifert 30 Manas Ucar 30 liquidate 30 bookkeeper embezzled 30 disbarred 30 banks Glitnir Landsbanki 30 Routine Paps should 30 extort ransom 30 daunting Platoni 30 stay afloat 30 unlike Sestak Romanoff 30 Terry Meguid 30 immigrated 30 balky knees diminished 30 Mr Kirima 30 upaid 30 Basicland 30 tattered balance sheets 30 Precht Matuschek 30 Saving Scheme NPSS 30 menial jobs 29 Mrs Hallwood 29 Marat Titovets 29 undergone liver transplant 29 borrowers defaulting 29 premier Somchai Wongsawat 29 overextended borrowers 29 car czar pointman 29 Mark Ruloff 29 Kennier 29 errant shotmaking 29 Marc Correra shared 29 THE FACTS Bennet 29 STIMULUS WATCH Teens 29 Bertho 29 overcome lifelong stammer 29 Glitnir Landsbanki 29 BY JOHN MULCAHY 29 commerce minister Bjorgvin 29 unmanageable debts 29 Jeffrey Peek 29 enlist 29 text messaged Keyes 29 overextend themselves 29 withdraw 29 Ted T. Cecala 29 Nathaniel Reade 29 Bernardo Heredia 29 vii IBC 29 Marcel Tranca 29 Enron careened 29 Mariela Conesa 29 Lefty Rosenthal 29 Dychtwald 29 through emergency recapitalizion 29 stumble blindly 29 hounding Pearlman 29 About Bloggerwave Bloggerwave 29 retiring 29 disinherit 29 Falcondrone Limited 29 autobiographical comic strip 29 Arlen Wanless 29 cutthroat competition 29 Marc Hommel 29 -Bujinkan 29 Gerald Laird groundout 29 O2Diesel disclaims 29 Layups runners 29 reckless spender sideswiped 29 Meir Vanunu 28 unthawing frozen credit 28 find Wayan Graff 28 Lenny Wilkens overtook 28 Injuries decimated 28 caregiving responsibilities 28 Nobody begrudges 28 Successive governments clamped 28 Manny Lenis 28 marry 28 Hayes paroled burglar 28 Madoffs thrived buying 28 CFO Colm Kelleher 28 arranged marriages 28 companywide layoffs 28 Nazis overran 28 nonpartisan Employee Benefit 28 Not Len Razzi 28 wife Sandy Mahl 28 bankrupted 28 gambled 28 Toor reprimanded 28 schlumpy English 28 UNCASVILLE CONN 28 Salman Riaz 28 Great Depression 28 whistle blower Diann Shipione 28 HSBC Mahendran 28 cooperate Ramuglia 28 babyboomer generation 28 overtake Mackenzy Bernadeau 28 microenterprise loans 28 Starter Bartolo Colon 28 grandson Kumar Mangalam 28 nonresidential structures continues 28 Mounting foreclosures 28 Actors Equity claiming 28 devote 28 Kort Wickenheiser 28 possessions Ichiro Yamagata 28 Holger Fahrinkrug 28 miner Alby 28 alleges Schrenker pocketed 28 flipped wobbly underhanded 28 deepening recession 28 legislate Chatel 28 corporations foundations endowments 28 earthshaking revenge 28 #,#.# #,#.# Prepaid 28 alleged infidelities surfaced 28 microticket leasing 28 tearing rib cartilage 28 housing slump 28 immigrating 28 Abhey Singh 28 overleveraged 28 alum Vikram Pandit 28 Pronger carelessly 28 shedding noncore 28 thrived 28 derisk 28 Pam Kirtman 28 Marilu Vargas 28 ABL folded 28 appointing Lisa Madigan 28 decumulation 28 sit shiva 28 Harry Tervalon 28 father Rashid Akhter 28 Warning require once function.require once 28 defuse simmering tensions 28 Sonya Causer 28 undergo liver transplant 28 Keyonna Adkins single 28 abandon 28 Pyramis Global Advisors 28 Daniel Merideth 28 Lund paddled 28 occupational pensions 27 Stephan Newhouse 27 Jacksha 27 preretirement 27 multibillion dollar bailouts 27 Anusim 27 promotional code FB# 27 Anita Radcliff 27 briefer bouts 27 Nkunda defected 27 Dial Mattress 27 abdicate 27 recuse himself 27 Anthony Spilotro 27 demonstrator Sabiha Ali 27 renationalize 27 pare 27 Capt. Abdelhai Hujum 27 bilked 27 restock depleted shelves 27 Lavona Hill 27 yearlong sabbatical 27 downsize 27 tamperproof identification card 27 penniless 27 radically reshaping 27 jettison underperforming 27 Setzfand 27 firm Cerberus CBS.UL 27 Kitces 27 Ionce 27 occupational pension 27 cousins aunts uncles 27 Catskills motel 27 #/Hr part 27 SunRocket abruptly 27 siblings girls Ebuka 27 Demitri Stavropoulos 27 sheltered annuities 27 divorced 27 Lembo Zisa 27 pantyless partying 27 meatball recipe 27 Radiation leaks 27 specialize 27 Who'm 27 MassMutual Taft Hartley 27 Lvov Poland 27 spewing profanities 27 deemed undercapitalized 27 Martina Navratilova swears 27 Frogs doused 27 self employed 27 anonymously disparaging 27 Derbyshires betrayed Prince Jefri 27 retiring baby boomers 27 pips squeak 27 replace Buffett Berkshire 27 rainwater dripped 27 playboy lifestyle 27 Steve Fezzik 27 reacquaint himself 27 restructure 27 unwinding Kerviel 27 indentured laborers 27 Robyn Credico 27 juggle 27 retrench feeding 27 borrow 27 bankruptcy reorganizations 27 Swartworth 27 Chris Gietzen 27 baby boomer retirements 27 pioneer superstores 27 replaces Marcel Rohner 27 nonmanagement 27 Liz Ciancone 27 mogul Terry Semel 27 ailing 27 son YS Jaganmohan 27 Plaszow 27 CalPERs 27 resign 27 Vikram commensurate 27 Intensifying competition 27 Ultimately Bozada 27 Salaried retirees 27 Fidelity Investments Put 27 LeBow Sachs 27 immigrate legally 27 Warning include once function.include 27 deputy Thurman Higginbotham 27 renegotiate leases 27 Faqir Ahmed Faqiryar 27 retailer Arcandor 27 Guffey Colo. 27 lifelong stammer 27 bankruptcy 27 journeyman machinist 27 actions Maruster 27 CPAmerica firm 27 bankrutpcy 27 lawyer Martin Flumenbaum 27 brother Yeslam 27 BrokeAss Blog Need 27 unmanageable workloads 26 Heshy 26 Sousuke Uno lost 26 rollover IRAs 26 unrepayable debt 26 Redha Hassan 26 aggressively panhandled 26 wring concessions 26 Lynnewood Hall reversal 26 emigrating 26 revoke Schrenker 26 imposing unpaid furloughs 26 au pair 26 Citerne 26 baby boomers retire 26 renationalise 26 VanDerhei 26 Doug Friske 26 defunct USFL 26 Mruke 26 switched allegiance 26 brother Vitali 26 lauded Calley 26 keeps Anglotopia running 26 Unfairly Fuld 26 Richichi blamed 26 Aging baby boomers 26 Slobogian 26 defer gratification 26 noted euroskeptic Kaczynski 26 remortgaged 26 Dubisky 26 uproot 26 recruitment Alejandro Poire 26 Error Executing Beowulf Tag 26 subways trolleys 26 reunion Kent Auberry 26 yank 26 fibbed 26 Aliya Wong 26 Delphi salaried retirees 26 diversify 26 reimpose freeze 26 unretiring switching teams 26 Kvaerner resumed 26 aide Nicolle Wallace 26 DEAR BRUCE 26 Shrinking budgets 26 liquidity crunch 26 silver Woodlawn Vase 26 wedding Mana Hashimoto 26 marital breakups 26 elated Cheeks 26 heftiest rebates 26 vii Dynamic 26 Coverdell ESAs 26 Steven Schlossman 26 ResMae 26 unbundle 26 Ethelda 26 relinquish 26 pricey haircuts 26 undocumented farmworkers 26 wean calves 26 Arigona 26 tackled inbounds 26 debilitating stroke 26 telecommuted 26 impermissibly induce person 26 Kahala Cold Stone 26 terminate pregnancies 26 baby boomer retirees 26 Invesmart 26 shrinking nest eggs 26 recordkeeper 26 finally relented 26 systematically defrauded 26 Struggling lender Countrywide 26 nicknamed Lord Cashpoint 26 retired 26 Baby Boom generation 26 undercapitalisation 26 intestinal malady 26 rocketship capable 26 fin ancial 26 preretirees 26 aliya 26 nonworking spouse 26 Stagnant wages 26 thirties forties 26 Jerold Lindner 26 irrevocable trust 26 Siggi Thorkelsson 26 inherit 26 succeed 26 Walter Neusel 26 Eric Zornes 26 Mr. Rechtshaffen 26 Maj. Gen. Adel Daham 26 outplace 26 stagnating wages 26 hire 26 eat matzoh 26 Nowajah 26 repay 26 dadgum ballgame 26 Zundel emigrated 26 Becky Binion Behnen 26 spirals downwards 26 IRAs annuities 26 bankrupcty 26 Bernhard Moeller 26 baby boomers 26 GenXers 26 laidoff workers 25 Spectranetics disclaims 25 leafy Flemish 25 rethink 25 demographic bulge 25 fulltime 25 lifesavings 25 Shebbo 25 Seidlin teared 25 defensive lineman Esera Tuaolo 25 Toliopoulos 25 Paulus Lukas 25 wages Ecton 25 foundering 25 boomers 25 Co AHAB 25 contemplated quitting 25 Oona Rokyta felt 25 Shameem Ismail Azhar 25 backup Rodney Peete 25 relocate 25 Giving detainees greater 25 topay 25 Staloski 25 welching 25 megawatts PNM Resources 25 Rainer Gut 25 farmers Roger Burtchin 25 ethnic Nepalis 25 BNC Mortgage LLC 25 president Rich Gimmel 25 insolvency 25 Harsh snowstorms 25 Spiro Agnew resigned 25 Kavalary 25 Alan Glickstein 25 Canadian fur trappers 25 chiseled burnished refined 25 dabble 25 credit crunch 25 paycheck Jostes 25 bakeries bagel 25 forego 25 postpone childbearing 25 Rigoberto Moreno 25 Kelly Piggeln 25 join 25 Martin Zaepfel 25 breathe secondhand smoke 25 babyboomers 25 RH Donnelley connects 25 Baby Boomer retirements 25 restocking depleted inventories 25 mortgaged 25 betel leaf farms 25 SIMPLEs 25 Sandra Timmermann 25 Miura larynx 25 nonworking spouses 25 flextime schedules 25 Calpine jettisoned 25 volcano fertile slopes 25 bankruptcy protection 25 Katonah estate 25 include OneBeacon Professional 25 unmarried childless 25 Dean Kohmann vice 25 Sid Gillman lasted 25 mutual funds 25 decamp 25 French impressionist Camille 25 Walter Baumy Corps 25 Bryan Herta fledgling 25 Boston Brahmins Tudor 25 launched withering bombardment 25 Metrolink train Higgins 25 toreturn 25 guard Tom Nutten 25 GARs 25 nationalize 25 Gebhardtsbauer 25 MetLife Mature Market 25 newfound aversion 25 vanquish Voldemort 25 swindled 25 Bob Bockrath 25 wages stagnate 25 Genmar Holdings 25 dotcom bust 25 jettison 25 Burlesque Lounge majestic 25 dabbled 25 Defined benefit 25 unusual bedfellow 25 Fred Parvaz 25 grandparents emigrated 25 owner Ted Stepien 25 scrimp 25 worker Dorwan 25 furloughs shrunken 25 split acrimoniously 25 merge 25 disobedient Catholics 25 GAMBLING addict 25 dislikes synthetic surfaces 25 cocoa plantations attracted 25 unjustly penalize 25 rejoin 25 retirement nest egg 25 hire homosexual scoutmasters 25 Karen Jurgensen 25 shrink 25 tidy nest egg 25 Gil Carrillo 25 aging baby boomers 25 Pentegra Retirement Services 25 Adrian Hartshorn 25 prescribe anti depressants 25 k rollovers 25 Heckmans 25 Baptist preacher invoke 25 Retirement System CSRS 25 actuary 25 old Elisany Silva 25 bided 25 spouse remarries 25 Jarrod Hankins 25 Debra Winchell 25 noncitizen immigrants 25 Arab boomtown 25 Lima Neto 25 anoint successor 25 invest 24 brief stint 24 TSX STE.A 24 Roxanna Vanessa Ferlito 24 bankruptcies 24 Kovno 24 Ezra Becker 24 ProPrint Haymarket Media 24 downsizings 24 replaces Susan Docherty 24 Bordeaux Gironde region 24 annuitize 24 overborrowed 24 Hirsi Magan 24 behead Koda within 24 relented 24 financial straits 24 se2 24 David Reuitmann brought 24 prescribe Paxil 24 Opes clients 24 Declining enrollments 24 boomer cohort 24 obsessive gambler 24 Merab Morgan 24 grossly overpay 24 Niklas Clackamas Greenhouses 24 redshirt freshman Chazz 24 inveterate gambler 24 Beetle Bailey nears 24 Birges 24 Ernie Mrozek 24 Christian Torrenegra 24 recapitalize 24 college educations 24 cobble together coalition 24 Zayat Stables defaulted 24 Ms Sigurdardottir 24 cassette tape Walkman 24 compulsory sterilization 24 dallied 24 former wrestler Musashigawa 24 Um ah 24 Perry Pelos head 24 Peter Medgyessy 24 Seselj surrendered 24 Sephardic Jew 24 nestegg 24 Brightwork Partners 24 Subhiksha Trading Services 24 DelBiaggio 24 parlayed 24 rebellious backbenchers 24 Teachers Retirement Fund 24 postpone 24 Unskilled workers 24 Benny Binion 24 inheritances 24 loan defaults 24 toleave 24 foundations endowments corporations 24 forties 24 menial laborers 24 applied econometrics 24 Shigeru Yamada 24 himself chronic relapser 24 pension 24 rupturing quadriceps tendon 24 Anesiva undertakes 24 Fertitta brothers 24 recession 24 Cajigal Ramirez 24 aging Baby Boomers 24 Erich Reich 24 admonitions short circuited 24 Akabani 24 slash 24 generation Xers 24 Bethlehem Steel retirees 24 fritter away 24 forsaking abandoning 24 hour workdays 24 Papitto resignation 24 founder B. Ramalinga 24 One shuttered GreenPoint 24 provident fund gratuity 24 Japan Airlines JALSY 24 Anaia 24 RetirementJobs.com 24 Michael Podgursky 24 reconsider 24 Frank Lefty Rosenthal 24 MEXICO CITY Lorena Ochoa 24 rejoined 24 Jack VanDerhei 24 Duluth Metals disclaims 24 enforced idleness 24 Michel Desbiens 24 prosecute DeVecchio 24 nonretirement 24 lofty crags 24 Susan P. McGalla 24 spottily regulated enticing 24 equitise 24 habitual gambler 24 Ya'ir 24 regulator PFRDA 24 Matures ages #-# 24 Tighter budgets 24 spokesman William Ruberry 24 undocumented laborers 24 pinch hitter Domonic Brown 24 GC SMT 24 gen Xers 24 bankrupt 24 Social Security withholdings 24 Laura Ries president 24 Hisham Qassem 24 sue 24 Christine Fahlund 24 al Muhajer Arabic 24 vegetate 24 Wealthier shoppers 24 refinishing furniture 24 recessions 24 Candace Ransom 24 cranky insults 24 DISTRESS SALE Bank 24 underfunded pensions 24 uneducated unskilled 24 bus iness 24 graduated 24 bankrupcy 24 ghetto mentality 24 Steven Ainsley 24 overinvest 24 forgo 24 extradite Kovacevic 24 joined 24 predecessor Samak Sundaravej 24 émigrés 24 survive Abana 24 replenish razor thin 24 recuse herself 24 baby boomer cohort 24 Wurtzel concedes 24 careers 24 pensioning 24 nonessential diplomats 24 Ellen Galinsky president 24 rollover IRA 24 foundations endowments 24 Mgodla 24 Baby Boomers 24 outfielder Jeffrey Hammonds 24 dayto day 24 Ted Eliopoulos 24 imploded 24 negotiate prisoner swap 24 Clubmarket 24 Amaitis 24 leave 24 semiretirement 24 Teplica 24 Fazel Ahmed Faqiryar 24 acted imprudently 24 greener pastures abroad 24 Americanize 24 Marylyn Kish turns 24 pinch pennies 24 switch allegiances 24 afloat 24 workless 24 damn runaways 24 quipped Hangin in. 24 Pooled Registered Pension Plan 24 renege 24 Simon Cathro 24 conceive naturally 24 paycheck deductions 24 rebook passengers 24 nest egg McCourt 24 swallow bitter pill 24 unprofitably 24 Baerwalde 24 pursue 24 excel 24 acted abominably 24 rehiring retirees 24 Fred Lebed 24 optimally allocate 24 bilking 24 Wei Christianson 24 married 24 Tomohiko Abe 24 enroll 24 flextime 24 traditional IRAs 24 strive Alexander Amantillo 24 losing Yemen Sharqieh 24 Mirage Bellagio MGM Grand 24 toolpusher Jason Anderson 24 Burleson Tex. 24 uncompleted autobiography 24 Tzarfati 24 soothe jittery markets 23 sizable nest egg 23 Jewish émigré 23 countryman Dominique Strauss 23 Srey Mom 23 Putting Arianna Huffington 23 doom Mediate 23 Roma gipsies 23 reenter 23 union Sasbo 23 Vorchheimer 23 severely undercapitalized 23 Bruna Bianchi took 23 technically insolvent 23 Yettaw Mormon 23 reskilling 23 withdrew 23 doomVideo captures brave 23 bequeath 23 Erland Kailbourne 23 matriculate 23 Nicky Arnstein 23 reporting progess 23 strategy summarization 23 undergo chemotherapy 23 deadpan Honestly 23 spouses surviving spouses 23 treading tightrope 23 Actuaries ASPPA 23 Hideyuki Araki 23 ransacked autoworkers mecca 23 Gen. Rookmangud Katawal 23 Dr Ros Altmann 23 Radojevic 23 pension schemes 23 Clerihue 23 Afghanistan Weiermann 23 retiral 23 jettison unprofitable 23 Spanair chartered 23 start shaking Eldessouky 23 overfund 23 keyboardist Christine McVie 23 ruler Sheik Sabah 23 surviving abductees 23 antimilitary bias 23 penury 23 falling birthrates 23 Shortly afterward Parmalat 23 hiking trails waterlogged 23 nest egg 23 CalPers 23 sniveling O'Neal 23 Ms Polygenis 23 trusteed 23 age 23 Alan Glickstein senior 23 downturns 23 unpaid internships 23 unskilled laborers 23 Serps 23 idled factories 23 employer 23 philanthropic endeavors 23 mogul Kirk Kerkorian 23 DeMille rescued 23 Abdul Halim Hameed 23 LISA MICHALS covers 23 shrewd businessman 23 unlevered balance sheet 23 leh MYOO 23 Wittig loaned 23 Miriam Murillo 23 trainer Bouie Fisher 23 labeled malcontent 23 journalist Guillermo Farinas 23 progressive indexation 23 Desert Ranch LLLP 23 Annuity Direct 23 mountain fertile slopes 23 aliyah 23 nonmanagerial 23 mother Nokuthula Ngazana 23 spend 23 wife Cyla 23 Peter Pestillo 23 Cribiore 23 demit office 23 torn flexor tendon 23 Mangalam Srinivasan 23 AIG VALIC 23 Stylist Nail Tech 23 Pensionsfonds 23 TenCate occupies leading 23 approve prepackaged reorganization 23 kibbutzes 23 thinly capitalized 23 reinstate Chaudhry 23 overexpansion 23 slashed payrolls 23 rebalance 23 wages garnisheed 23 downturn 23 medically discharged 23 closedown 23 IRAs #Ks 23 Riteman 23 nonwriting 23 plunged headlong 23 Kathy Casey Kirschling 23 Sen. Burnet Maybank 23 Gen Xs 23 pay 23 logistical morass 23 wrung concessions 23 Khalilullah Ferozi former 23 schedule Kozleski 23 heeded mandatory evacuation 23 Increasingly skittish 23 defer 23 accept Zelaya reinstatement 23 wear burkas 23 gunpoint heist 23 promptly reemploy 23 underwrite 23 Jewish émigrés 23 balky knees 23 lavished gifts 23 preretirement income 23 Olivier Bohuon executive 23 Gowryluk Knapp 23 grubstake 23 DCI yearlong 23 seize gladly 23 marrying 23 Elliott Sadler Reed Sorenson 23 Martin Schlaff 23 suburban Alhambra mansion 23 Commercial surrogacy 23 Programme HSMP 23 Amelia Adriana Barraza 23 overfunded pension 23 mph Doberman pinscher 23 Scouting Schoolcraft 23 steelmaker Stelco 23 cockpit Sullenberger 23 grossly imbalanced 23 unsucessfully 23 achy knees 23 creative MarCom 23 preyed 23 Sakelarios breast cancer 23 Barry Mallen 23 ran 23 Sayid Abdelfatah 23 guilted 23 reassure jittery investors 23 CRWE proprietary 23 technicians PMETs 23 superheated containers 23 David Bassuk managing 23 adjust 23 reveler congratulated 23 communications firm EchoDitto 23 Truhill 23 succeeded Ella Bully 23 Bill Guthridge retired 23 Consoling sobbing family 23 decidedly lukewarm reception 23 minimum distributions RMDs 23 Chief William Bamattre 23 smoked stogies 23 outsource 23 Regina Dick Endrizzi 23 reference Anika Therapeutics 23 SONOMA Calif. Kasey Kahne 23 Mike Ryer firefighter 23 dwindling nest eggs 23 profited 23 overstayed visa 23 fellow believers Exley 23 Van Gundys 23 Baby Boom Generation 23 tamperproof ID cards 23 Biancofiori 23 Garth Brooks mused 23 VEBAs 23 Howard Naphtali 23 revocable trusts 23 privatize Social Security 23 fatherly duties 23 Jay Wintrob 23 Pro Bowler Willie Roaf 23 receivership 23 acculturate 23 super annuation 23 Ms. Wojcicki 23 gloomy outlooks