Table 4. Cross-Tabulation of work expectation and Realization.

	Realization
	Retirement Defined By:
	Hours and Self-Report		Hours Only
	No Work	Work	No Work	Work
Expectation
No Work
Row Percent	71.1	29.0	62.6	37.4
Column Percent	37.6	18.3	37.9	18.4
Cell Percent	20.5	8.4	17.0	10.1
Work
Row Percent	47.7	52.3	38.2	61.8
Column Percent	62.4	81.7	62.1	81.7
Cell Percent	34.0	37.2	27.8	45.1

Notes: Sample is all respondents observed at least four years after their first retirement.