Based on your analysis, you project that your retirement nest egg will be insufficient to fund your on-going retirement goals. Which of the following strategies would be least useful in fixing the retirement income shortfall over the long-term retirement period? Increase the amount of annual contribution made to your retirement plan Reposition your investment portfolio allocation to one that is expected to yield a higher total return Taking out a reverse mortgage once you begin retirement or shortly after that Delay retirement for a few years Downscale your lifestyle expectations Take out a bank line of credit a