DEAR MISS MANNERS: I work at a nonprofit that prides itself on being all-volunteer, with no boss. Decisions are made at monthly meetings. Having worked 35 years at a job with bosses, I understand that dynamic better.

For Americans who have bought into this myth, serious financial shortfalls in retirement are inevitable. Twenty-one percent have bought into a myth about Social Security that will lead to financial disaster.

The Carolina Panthers ' starting offensive line will have a somewhat surprising look in Week 11.