Practice 9　　Millions of elderly Germans received a notice from the Health & Social Security Ministry earlier this month that struck a damaging blow to the welfare state. The statement informed them that their pensions were being cut. The reductions come as a stop-gap measure to control Germany's ballooning pension crisis. Not surprisingly, it was an unwelcome change for senior citizens such as Sabine Wetzel, a 67-year-old retired bank teller, who was told that her state pension would be cut by $12.30 a month. “It was a real shock,” she says.” My pension had always gone up in the past.”　　There's more bad news on the way. On March 11, Germany's lower house of Parliament passed a bill gradually cutting state pensions- which have been rising steadily since World War Ⅱ— from 53% of average wages now to 46% by 2020. And Germany is not alone. Governments across Western Europe are racing to curb pension benefits. In Italy, the government plans to rise the minimum retirement age from 57 to 60, while France will require that civil servants put in 40 years rather than 37.5 to qualify for a full pension. The reforms are coming despite tough opposition from unions, leftist politicians, and pensioners' groups.