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smiling adult woman gestures hand fraction onefifth financial retirees security employer institution wellused insurance social net amount italy paid pension compulsory beneficiary instrument granted protections personal installment loan disburses withheld duration company repayment employees salary stipulates quinto cessione insolvency exceed cheerful del risk permanent monthly favored bank tool interest rates signifies one-fifth italy's protection perso signify fraction: represents 'cessione quinto' one-fifth