Excerpt: A long-running survey about Americans' plans for their later years shows that workers' and retirees' confidence about their retirement security has deteriorated sharply during the past two years, to record lows. In a sign of just how bleak the retirement landscape has become, the survey of 1,257 Americans found that the percentage of workers who say they are very confident about having enough money to retire comfortably has dropped to 13% this year. That's down from 18% in 2008 and from an all-time high of 27% in 2007.  MORE >>