New and recent federal and industry data show many Americans in their 40s are falling behind on retirement by underfunding 401(k)s, spending more as pay rises, and carrying expensive credit card debt. Those habits can shrink savings during the decade many planners say matters most.

From Yellowstone in Wyoming to Acadia in Maine, these 15 American destinations come up again and again in travel surveys, retirement publications, and bucket-list reporting focused on adults over 60.

U.S. airlines are allowed to cap how much they pay for lost, damaged, or delayed bags on domestic trips. The current federal limit is $4,700 per passenger, and that rule matters for anyone checking valuables.

A long-running consumer belief says one missed point can make or break borrowing, but federal agencies and FICO’s own materials show lenders use score ranges, pricing models, and multiple credit factors. That gap between public perception and lending practice has helped keep millions of Americans paying higher rates and costly fees for decades.

New federal labor data shows Americans are still leaving some jobs at unusually high rates, especially in restaurants, hotels, and health care. The latest numbers point to where worker turnover remains strongest across the U.S. economy.

Workplace researchers say certain patterns, from moving goals to public shaming, can cross the line from normal supervision into manipulation. Here are seven behaviors experts and employment sources say workers should recognize.