PBS Over Easy host Hugh Downs (Thirty Dirty Lies About Old) continues championing the needs of seniors with this agreeable, informative guide to retirement. Concentrating on health, financial security, and work/leisure activities, Downs provides goals, resource suggestions, and even a case history or two. Using his own too-hasty retreat from the Today show to the Arizona sun as a cautionary example, he recommends that we plot our retirement at least ten years in advance--and lauds the pleasures of detailed planning as almost equal to those of the retirement itself. The financial section is detailed almost to a fault; using ""70 percent of take-home pay"" as a guideline for yearly expenses, it offers step-by-step assessments of individual outlays, anticipated income, inflation effects, and probable social security benefits. An easy-to-fathom chart enables readers to determine how much they can withdraw from interest-bearing savings accounts without completely depleting the principal. And so on. Only slightly less specific are the tips on nutrition and exercise: food groups get a careful going over, cookbooks are suggested; and an hour of aerobic exercise three to five times a week is recommended (providing, of course, your doctor agrees), with goals of cardiorespiratory fitness, flexibility, and strength. (His own father, Downs explains, beat the ""for life"" rap on blood pressure medicine by altering his diet to fresh foods, lightly cooked.) Some ""leisure-time"" tips--from gardening to getting another job or becoming self-employed--round out the effort. Accessible, non-alarmist, and altogether what Downs' following has come to expect.