MINNEAPOLIS -- A former CEO enrolled in clown school. A corporate communications executive started a photography business. A high school science teacher became an outdoors guide. And a lifelong accountant wanted to work at Disneyworld."He loved the atmosphere, it was lighthearted, it wasn't counting numbers day after day," said career coach Linda Miller, who worked with all four. When she asked the accountant what sort of job he'd like at Disneyworld "he said, 'You know what? I really don't care.' "Call it a second phase, an encore, a reinvention. Just don't call it retirement. More people are entering their mid-60s -- stuck, perhaps, with dismayingly skimpy savings accounts, but blessed with sound health and many years ahead of them -- and deciding that retirement doesn't top their agenda.