As a HRManager who just got hired at Talladega College with 500 employees made up of Administrators, Professors, Admin. Assistants, and Maintainance Employees. Some of these employees have been working here in the last 40 years and are above 64 years' old or older and are considering retiring. You have decided to initiate a compulsory seminar for all prospective retirees, list and explain 3 issues that you must address during the seminar and how to resolve such issues that will affect their lives