Gayle is 42 years old, single, and does not plan to marry. she has taught school for 20 years and plans to retire in 12 more years. last year, gayle began to contribute to a teacher's retirement plan and to an individual retirement account (ira). she is in good health, and her hobbies include reading, embroidery, gardening, and bowling. she attends an aerobic dance class 3 times each week and has done so for years. gayle has a family history of diabetes, so she takes her health seriously. gayle is beginning to notice some age-related changes in her body, but she accepts them as normal. she has a good network of friends that she vacations with every year. she likes to travel and enjoys life.