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Popular opinion portrays Generation Xers as slackers concernedonly with cappuccinos and CDs, but two recent studies paint a verydifferent picture of young adults.

In a recent poll conducted by research firm Louis HarrisOrganization for the Lutheran Brotherhood, about 50 percent of the18-to-29-year-olds questioned said they "sometimes" or"always" have trouble sleeping or relaxing because offinancial worries. Saving for retirement (cited by 59 percent) wastheir number-one worry, followed by a fear of not being able toafford long-term care (21 percent).

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