真正意义上属于从句的只有最后两个句子：
5 It is often a forcecoming retirement date 【that provides the catalyst to start planning,getting laid off or accepting an early-retirement package can force your hand 强调句型】,but don’t wait 【until you get a severance check to begin planning时间状语从句】.
6The deepest divide is in the way 【spouses envisage their lifestyle in their later years省略关系代词that/in which的定语从句】,fidelity investments inc,found 41 percent of the 500 couples it surveyed disagree on 【whether both or at least one spouse will work in retirement 宾语从句】
祝你开心如意!.