underestimate
verb
to fail to guess or understand the real cost,
size, difficulty, etc. of (something), or to fail
to understand how strong, skilful, intelligent
or determined (someone, esp. a competitor) is
join
verb
to become a member of (an organization)
pension
scheme noun
a financial plan that allows you to receive money
after you or your employer have paid money into
it for a number of years.
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