3. 精讀。根據關鍵詞最后定位在第三段第三句話:“For much of the past year, President Bush campaigned to move Social Security to a Savings- account model, with retirees trading much or alll of their guaranteed payments for payments depending on investment returns。” 從詞句中的“把有保障的收入(guaranteed payments)變成必須依靠投資收益的收入 (payments depending on investment returns)”可知其養老金的風險越來越大,因此B項 less secured payments符合題意。