With personal debt on the rise and workplace pensions disappearing, Canadians are finding themselves unprepared for retirement.  About eighty per cent of middle class Canadians don't have enough money put away to get through even one year of retirement.  Not surprisingly, the situation is now being recognized as one of the most urgent problems facing the country.  With that in mind, The National presents a special edition of The Bottom Line: Are you ready for retirement?, featuring our regular panel of experts.  Plus, it's that time of year again - RRSP season.  But are they still worth the tax break they offer?  Our economic panel weighs in on the pros and cons of contributing to RRSPs.