id	sid	eid	entity	type
fsr-3203	1	1	2008	DATE
fsr-3203	1	2	janine k. scott	PERSON
fsr-3203	1	3	ph.d.a	ORG
fsr-3203	1	4	john gilliam	PERSON
fsr-3203	1	5	ph.d	ORG
fsr-3203	1	6	cfp	ORG
fsr-3203	1	7	economics & finance	ORG
fsr-3203	1	8	massey university	ORG
fsr-3203	1	9	palmerston north	GPE
fsr-3203	1	10	new zealand	GPE
fsr-3203	1	11	texas tech university	ORG
fsr-3203	1	12	41210	DATE
fsr-3203	1	13	lubbock	GPE
fsr-3203	1	14	tx	ORG
fsr-3203	1	15	79409-1210	DATE
fsr-3203	1	16	u.s.	GPE
fsr-3203	2	1	2008	DATE
fsr-3203	3	1	2004	DATE
fsr-3203	3	2	2010	DATE
fsr-3203	3	3	2008	DATE
fsr-3203	4	1	2010	DATE
fsr-3203	8	1	2014	DATE
fsr-3203	10	1	jel	ORG
fsr-3203	10	2	1	CARDINAL
fsr-3203	10	3	between 1946 and 1964	DATE
fsr-3203	10	4	2008	DATE
fsr-3203	10	5	farrell	ORG
fsr-3203	10	6	2013	DATE
fsr-3203	11	1	americans	NORP
fsr-3203	13	1	64 6 3569099	DATE
fsr-3203	13	2	83844	DATE
fsr-3203	13	3	64	CARDINAL
fsr-3203	14	1	j.k.scott@massey.ac.nz	ORG
fsr-3203	14	2	scott	ORG
fsr-3203	14	3	23	CARDINAL
fsr-3203	14	4	2014	DATE
fsr-3203	15	1	287–304	CARDINAL
fsr-3203	15	2	2014	DATE
fsr-3203	18	1	2030	DATE
fsr-3203	18	2	61 million	CARDINAL
fsr-3203	18	3	snell	GPE
fsr-3203	18	4	2002	DATE
fsr-3203	20	1	kirkpatrick	ORG
fsr-3203	20	2	tennant	PERSON
fsr-3203	20	3	2002	DATE
fsr-3203	23	1	farrell	PERSON
fsr-3203	23	2	greenberg	PERSON
fsr-3203	23	3	2009	DATE
fsr-3203	25	1	devaney	ORG
fsr-3203	25	2	2005	DATE
fsr-3203	25	3	ibbotson	ORG
fsr-3203	25	4	milevsky	GPE
fsr-3203	25	5	chen	PERSON
fsr-3203	25	6	2007	DATE
fsr-3203	25	7	mittra, 1995	DATE
fsr-3203	27	1	mitchell, 2011	ORG
fsr-3203	28	1	2008	DATE
fsr-3203	28	2	1946	DATE
fsr-3203	29	1	2	CARDINAL
fsr-3203	29	2	more than 100%	PERCENT
fsr-3203	30	1	al.	PERSON
fsr-3203	30	2	2009	DATE
fsr-3203	32	1	world war ii	EVENT
fsr-3203	33	1	boomers	PERSON
fsr-3203	33	2	2000	DATE
fsr-3203	37	1	medicare	ORG
fsr-3203	40	1	288 j.k	ORG
fsr-3203	40	2	scott	ORG
fsr-3203	40	3	j. gilliam	PERSON
fsr-3203	40	4	23	CARDINAL
fsr-3203	40	5	2014	DATE
fsr-3203	41	1	287–304	CARDINAL
fsr-3203	41	2	lin	PERSON
fsr-3203	41	3	grace	ORG
fsr-3203	41	4	2007	DATE
fsr-3203	44	1	2008	DATE
fsr-3203	44	2	baker	PERSON
fsr-3203	44	3	2010	DATE
fsr-3203	44	4	2010	DATE
fsr-3203	46	1	munnell	ORG
fsr-3203	46	2	golub	PERSON
fsr-3203	46	3	soto	ORG
fsr-3203	46	4	webb	ORG
fsr-3203	46	5	2008	DATE
fsr-3203	48	1	2.1	CARDINAL
fsr-3203	51	1	2010	DATE
fsr-3203	51	2	american	NORP
fsr-3203	51	3	less than four years	DATE
fsr-3203	51	4	155,000	MONEY
fsr-3203	51	5	2011	DATE
fsr-3203	52	1	2011	DATE
fsr-3203	52	2	one-third	CARDINAL
fsr-3203	52	3	a decade ago	DATE
fsr-3203	52	4	2011	DATE
fsr-3203	53	1	1991	DATE
fsr-3203	53	2	devaney, 1995	ORG
fsr-3203	54	1	bernheim	GPE
fsr-3203	54	2	forni	GPE
fsr-3203	54	3	1999	DATE
fsr-3203	55	1	one	CARDINAL
fsr-3203	56	1	2011	DATE
fsr-3203	56	2	22%	PERCENT
fsr-3203	57	1	approximately 28%	PERCENT
fsr-3203	59	1	almost half	CARDINAL
fsr-3203	59	2	second	ORDINAL
fsr-3203	60	1	johnson	GPE
fsr-3203	60	2	1970	DATE
fsr-3203	60	3	mitchel	PERSON
fsr-3203	60	4	2003	DATE
fsr-3203	61	1	scott	PERSON
fsr-3203	61	2	j. gilliam	PERSON
fsr-3203	61	3	23	CARDINAL
fsr-3203	61	4	2014	DATE
fsr-3203	61	5	287–304	CARDINAL
fsr-3203	68	1	ifs	ORG
fsr-3203	69	1	10%	PERCENT
fsr-3203	69	2	approximately one-quarter	CARDINAL
fsr-3203	69	3	2006	DATE
fsr-3203	71	1	sager	ORG
fsr-3203	71	2	2009	DATE
fsr-3203	72	1	2003	DATE
fsr-3203	80	1	1992	DATE
fsr-3203	80	2	bernheim et al	PERSON
fsr-3203	81	1	1999	DATE
fsr-3203	82	1	finke	PERSON
fsr-3203	82	2	huston	PERSON
fsr-3203	82	3	waller	ORG
fsr-3203	82	4	2009	DATE
fsr-3203	84	1	huston	PERSON
fsr-3203	84	2	waller	ORG
fsr-3203	84	3	2009	DATE
fsr-3203	86	1	290 j.k	QUANTITY
fsr-3203	86	2	scott	ORG
fsr-3203	86	3	j. gilliam	PERSON
fsr-3203	86	4	23	CARDINAL
fsr-3203	86	5	2014	DATE
fsr-3203	87	1	287–304 2.2	CARDINAL
fsr-3203	88	1	2.2.1	CARDINAL
fsr-3203	89	1	chen	PERSON
fsr-3203	89	2	wong	PERSON
fsr-3203	89	3	lee, 2001	ORG
fsr-3203	89	4	1994	DATE
fsr-3203	89	5	2003	DATE
fsr-3203	91	1	campbell	ORG
fsr-3203	91	2	1980	DATE
fsr-3203	92	1	huston	PERSON
fsr-3203	92	2	waller	ORG
fsr-3203	92	3	2009	DATE
fsr-3203	93	1	devaney	ORG
fsr-3203	93	2	2005	DATE
fsr-3203	94	1	2008	DATE
fsr-3203	95	1	2.2.2	CARDINAL
fsr-3203	95	2	huston	PERSON
fsr-3203	95	3	2012	DATE
fsr-3203	97	1	huston	PERSON
fsr-3203	97	2	waller	ORG
fsr-3203	97	3	2009	DATE
fsr-3203	97	4	scott	PERSON
fsr-3203	97	5	finke	PERSON
fsr-3203	97	6	2013	DATE
fsr-3203	98	1	2.2.3	CARDINAL
fsr-3203	99	1	2003	DATE
fsr-3203	100	1	zick, 2006	PERSON
fsr-3203	103	1	2.2.4	CARDINAL
fsr-3203	103	2	2003	DATE
fsr-3203	106	1	scott	ORG
fsr-3203	106	2	j. gilliam	PERSON
fsr-3203	106	3	23	CARDINAL
fsr-3203	106	4	2014	DATE
fsr-3203	107	1	287–304 2.2.5	CARDINAL
fsr-3203	109	1	1	CARDINAL
fsr-3203	109	2	hispanics	NORP
fsr-3203	111	1	hispanics	NORP
fsr-3203	113	1	hispanics	NORP
fsr-3203	113	2	mitchel, 2011	ORG
fsr-3203	115	1	ibbotson et al.	ORG
fsr-3203	115	2	2007	DATE
fsr-3203	121	1	2.2.8	ORDINAL
fsr-3203	122	1	devaney	ORG
fsr-3203	122	2	2005	DATE
fsr-3203	123	1	1	CARDINAL
fsr-3203	123	2	hispanics	NORP
fsr-3203	123	3	1 2 1	CARDINAL
fsr-3203	123	4	1 2 2	CARDINAL
fsr-3203	123	5	1 1 1	QUANTITY
fsr-3203	123	6	2 2 2	CARDINAL
fsr-3203	123	7	1 1 1	QUANTITY
fsr-3203	123	8	2 1 2	CARDINAL
fsr-3203	123	9	1 2 1	CARDINAL
fsr-3203	123	10	2011	DATE
fsr-3203	124	1	292	CARDINAL
fsr-3203	124	2	scott	ORG
fsr-3203	124	3	j. gilliam	PERSON
fsr-3203	124	4	23	CARDINAL
fsr-3203	124	5	2014	DATE
fsr-3203	125	1	287–304 2.2.9	CARDINAL
fsr-3203	128	1	2.2.10	CARDINAL
fsr-3203	129	1	bernheim et al	GPE
fsr-3203	129	2	1999	DATE
fsr-3203	131	1	browne	PERSON
fsr-3203	131	2	kim	PERSON
fsr-3203	131	3	1993	DATE
fsr-3203	131	4	lewis, 1989)	ORG
fsr-3203	132	1	huston	PERSON
fsr-3203	132	2	waller	ORG
fsr-3203	132	3	2009	DATE
fsr-3203	133	1	2.2.11	CARDINAL
fsr-3203	135	1	ibbotson et al	PERSON
fsr-3203	136	1	2007	DATE
fsr-3203	138	1	al.	GPE
fsr-3203	138	2	1999	DATE
fsr-3203	141	1	bernheim	GPE
fsr-3203	141	2	1991	DATE
fsr-3203	141	3	fitzgerald	PERSON
fsr-3203	141	4	1987	DATE
fsr-3203	142	1	1989	DATE
fsr-3203	143	1	2.2.14	CARDINAL
fsr-3203	144	1	devaney	ORG
fsr-3203	144	2	2005	DATE
fsr-3203	149	1	two	CARDINAL
fsr-3203	152	1	1989	DATE
fsr-3203	152	2	mulholland	GPE
fsr-3203	152	3	huston	PERSON
fsr-3203	152	4	2012	DATE
fsr-3203	153	1	scott	ORG
fsr-3203	153	2	j. gilliam	PERSON
fsr-3203	153	3	23	CARDINAL
fsr-3203	153	4	2014	DATE
fsr-3203	154	1	287–304	CARDINAL
fsr-3203	156	1	2.2.18	CARDINAL
fsr-3203	156	2	1996	DATE
fsr-3203	157	1	the building years	DATE
fsr-3203	158	1	3	CARDINAL
fsr-3203	160	1	campbell	ORG
fsr-3203	160	2	1980	DATE
fsr-3203	161	1	2011	DATE
fsr-3203	165	1	one	CARDINAL
fsr-3203	169	1	baek & devaney	ORG
fsr-3203	169	2	2005	DATE
fsr-3203	170	1	1989	DATE
fsr-3203	171	1	devaney	ORG
fsr-3203	171	2	2005	DATE
fsr-3203	172	1	zero	CARDINAL
fsr-3203	172	2	collins	PERSON
fsr-3203	172	3	2011	DATE
fsr-3203	172	4	huston	PERSON
fsr-3203	172	5	waller	ORG
fsr-3203	172	6	2009	DATE
fsr-3203	173	1	1999	DATE
fsr-3203	174	1	294	CARDINAL
fsr-3203	174	2	scott	ORG
fsr-3203	174	3	j. gilliam	PERSON
fsr-3203	174	4	23	CARDINAL
fsr-3203	174	5	2014	DATE
fsr-3203	175	1	287–304 4	DATE
fsr-3203	175	2	4.1	CARDINAL
fsr-3203	175	3	huston	PERSON
fsr-3203	175	4	waller	ORG
fsr-3203	175	5	2009	DATE
fsr-3203	176	1	first	ORDINAL
fsr-3203	176	2	under age 18	DATE
fsr-3203	177	1	u.s.	GPE
fsr-3203	178	1	ages 35 to 70	DATE
fsr-3203	178	2	35 to 76	DATE
fsr-3203	178	3	2010	DATE
fsr-3203	179	1	2010	DATE
fsr-3203	179	2	age 76	DATE
fsr-3203	180	1	bernheim et al	PERSON
fsr-3203	181	1	2001	DATE
fsr-3203	181	2	two	CARDINAL
fsr-3203	183	1	huston	PERSON
fsr-3203	183	2	waller	ORG
fsr-3203	183	3	2009	DATE
fsr-3203	183	4	the survey years	DATE
fsr-3203	185	1	huston	PERSON
fsr-3203	185	2	waller	ORG
fsr-3203	185	3	2009	DATE
fsr-3203	187	1	1	CARDINAL
fsr-3203	188	1	adq li	PERSON
fsr-3203	188	2	1	CARDINAL
fsr-3203	188	3	1	CARDINAL
fsr-3203	189	1	w	ORG
fsr-3203	191	1	2.3%	PERCENT
fsr-3203	193	1	2	CARDINAL
fsr-3203	194	1	2financial	CARDINAL
fsr-3203	194	2	3demographic	CARDINAL
fsr-3203	194	3	2	CARDINAL
fsr-3203	194	4	1	CARDINAL
fsr-3203	194	5	1	CARDINAL
fsr-3203	195	1	scott	ORG
fsr-3203	195	2	j. gilliam	PERSON
fsr-3203	195	3	23	CARDINAL
fsr-3203	195	4	2014	DATE
fsr-3203	196	1	287–304	DATE
fsr-3203	201	1	4.2	CARDINAL
fsr-3203	201	2	2008	DATE
fsr-3203	201	3	2004	DATE
fsr-3203	201	4	2010	DATE
fsr-3203	203	1	4,519	CARDINAL
fsr-3203	203	2	2004	DATE
fsr-3203	203	3	6,482	CARDINAL
fsr-3203	203	4	2010	DATE
fsr-3203	204	1	u.s.	GPE
fsr-3203	204	2	rubin	GPE
fsr-3203	204	3	1987	DATE
fsr-3203	205	1	huston	PERSON
fsr-3203	205	2	waller	ORG
fsr-3203	205	3	2009	DATE
fsr-3203	205	4	2004	DATE
fsr-3203	205	5	age 35	DATE
fsr-3203	205	6	70	DATE
fsr-3203	205	7	age 76 in 2010	DATE
fsr-3203	206	1	4.3	CARDINAL
fsr-3203	206	2	descriptive statistics descriptive statistics	ORG
fsr-3203	206	3	2	CARDINAL
fsr-3203	206	4	4	CARDINAL
fsr-3203	206	5	3	CARDINAL
fsr-3203	207	1	2	CARDINAL
fsr-3203	208	1	345,297	MONEY
fsr-3203	208	2	2004	DATE
fsr-3203	208	3	both years	DATE
fsr-3203	209	1	478,396	MONEY
fsr-3203	209	2	284,421	MONEY
fsr-3203	210	1	81,000	MONEY
fsr-3203	211	1	4	CARDINAL
fsr-3203	212	1	first	ORDINAL
fsr-3203	212	2	each year	DATE
fsr-3203	212	3	second	ORDINAL
fsr-3203	212	4	more than one	CARDINAL
fsr-3203	213	1	2004	DATE
fsr-3203	213	2	1,966	CARDINAL
fsr-3203	213	3	2,612	CARDINAL
fsr-3203	213	4	2010	DATE
fsr-3203	214	1	2	CARDINAL
fsr-3203	214	2	2004 2010	DATE
fsr-3203	214	3	$345,297.34 $	MONEY
fsr-3203	214	4	676,507.76	MONEY
fsr-3203	214	5	700,545.65	MONEY
fsr-3203	214	6	$235,741.31 $325,580.83 $295,727.41 $ 286,945.90	MONEY
fsr-3203	214	7	$235,952.48 $808,799.39 $342,860.90 $	MONEY
fsr-3203	214	8	$478,396.10 $	MONEY
fsr-3203	214	9	$586,766.69 $	MONEY
fsr-3203	214	10	$284,421.30 $655,043.47 $351,424.69 $	MONEY
fsr-3203	214	11	296	CARDINAL
fsr-3203	214	12	scott	ORG
fsr-3203	214	13	j. gilliam	PERSON
fsr-3203	214	14	23	CARDINAL
fsr-3203	214	15	2014	DATE
fsr-3203	215	1	287–304 approximately 15%	PERCENT
fsr-3203	215	2	2004	DATE
fsr-3203	215	3	14%	PERCENT
fsr-3203	215	4	2010	DATE
fsr-3203	216	1	both survey years	DATE
fsr-3203	216	2	2004	DATE
fsr-3203	216	3	genx	ORG
fsr-3203	216	4	2010	DATE
fsr-3203	218	1	2004 to 2010	DATE
fsr-3203	219	1	3	CARDINAL
fsr-3203	219	2	2004	DATE
fsr-3203	219	3	2010	DATE
fsr-3203	219	4	1	CARDINAL
fsr-3203	219	5	1	CARDINAL
fsr-3203	219	6	58	DATE
fsr-3203	219	7	0	CARDINAL
fsr-3203	219	8	2004	DATE
fsr-3203	219	9	1	CARDINAL
fsr-3203	219	10	64	DATE
fsr-3203	219	11	0	CARDINAL
fsr-3203	219	12	2010	DATE
fsr-3203	219	13	1	CARDINAL
fsr-3203	219	14	0	CARDINAL
fsr-3203	219	15	2004	DATE
fsr-3203	219	16	1	CARDINAL
fsr-3203	219	17	0	CARDINAL
fsr-3203	219	18	2010	DATE
fsr-3203	219	19	1	CARDINAL
fsr-3203	219	20	39	DATE
fsr-3203	219	21	0	CARDINAL
fsr-3203	219	22	2004	DATE
fsr-3203	219	23	1	CARDINAL
fsr-3203	219	24	0	CARDINAL
fsr-3203	219	25	2010	DATE
fsr-3203	219	26	1	CARDINAL
fsr-3203	219	27	0	CARDINAL
fsr-3203	219	28	1	CARDINAL
fsr-3203	219	29	1	CARDINAL
fsr-3203	219	30	0	CARDINAL
fsr-3203	219	31	1	CARDINAL
fsr-3203	219	32	0	CARDINAL
fsr-3203	219	33	1	CARDINAL
fsr-3203	219	34	0	CARDINAL
fsr-3203	219	35	0	CARDINAL
fsr-3203	219	36	0	CARDINAL
fsr-3203	219	37	hispanic	NORP
fsr-3203	219	38	1	CARDINAL
fsr-3203	219	39	1	CARDINAL
fsr-3203	219	40	0	CARDINAL
fsr-3203	219	41	1	CARDINAL
fsr-3203	219	42	1	CARDINAL
fsr-3203	219	43	1	CARDINAL
fsr-3203	219	44	0	CARDINAL
fsr-3203	219	45	1	CARDINAL
fsr-3203	219	46	1	CARDINAL
fsr-3203	219	47	0	CARDINAL
fsr-3203	219	48	1	CARDINAL
fsr-3203	219	49	0	CARDINAL
fsr-3203	219	50	1	CARDINAL
fsr-3203	219	51	35,150	MONEY
fsr-3203	219	52	between $35,150–$90,800 1	MONEY
fsr-3203	220	1	between $90,800–$147,050 1	MONEY
fsr-3203	220	2	between $147,050–$288,350 1	MONEY
fsr-3203	220	3	288,350	MONEY
fsr-3203	220	4	0	CARDINAL
fsr-3203	220	5	1	CARDINAL
fsr-3203	220	6	1	CARDINAL
fsr-3203	221	1	1	CARDINAL
fsr-3203	221	2	1	CARDINAL
fsr-3203	221	3	0	CARDINAL
fsr-3203	221	4	1	CARDINAL
fsr-3203	221	5	0	CARDINAL
fsr-3203	221	6	1	CARDINAL
fsr-3203	221	7	0	CARDINAL
fsr-3203	222	1	scott	ORG
fsr-3203	222	2	j. gilliam	PERSON
fsr-3203	222	3	23	CARDINAL
fsr-3203	222	4	2014	DATE
fsr-3203	223	1	287–304 5	DATE
fsr-3203	225	1	two	CARDINAL
fsr-3203	226	1	first	ORDINAL
fsr-3203	226	2	5	CARDINAL
fsr-3203	226	3	6	CARDINAL
fsr-3203	227	1	4	CARDINAL
fsr-3203	227	2	2004 2010	DATE
fsr-3203	227	3	15.41 14.16	CARDINAL
fsr-3203	227	4	69.18	CARDINAL
fsr-3203	227	5	16.02	CARDINAL
fsr-3203	227	6	genx	ORG
fsr-3203	227	7	18.11	CARDINAL
fsr-3203	227	8	9.16	CARDINAL
fsr-3203	227	9	9.91 4.59	CARDINAL
fsr-3203	227	10	18.97	CARDINAL
fsr-3203	227	11	17.90	CARDINAL
fsr-3203	227	12	14.32	CARDINAL
fsr-3203	227	13	53.97	CARDINAL
fsr-3203	227	14	64.03	MONEY
fsr-3203	227	15	64.32	CARDINAL
fsr-3203	227	16	88.56	CARDINAL
fsr-3203	227	17	88.11	CARDINAL
fsr-3203	227	18	15.51	CARDINAL
fsr-3203	227	19	21.78	CARDINAL
fsr-3203	227	20	22.16	CARDINAL
fsr-3203	227	21	84.49	CARDINAL
fsr-3203	227	22	77.84	CARDINAL
fsr-3203	227	23	81.99	CARDINAL
fsr-3203	227	24	89.77	MONEY
fsr-3203	227	25	98.38	CARDINAL
fsr-3203	227	26	18.01	CARDINAL
fsr-3203	227	27	19.63 1.62	CARDINAL
fsr-3203	227	28	7.22 5.28	CARDINAL
fsr-3203	227	29	2.97	CARDINAL
fsr-3203	227	30	7.27	CARDINAL
fsr-3203	227	31	9.79 3.78	CARDINAL
fsr-3203	227	32	85.50	CARDINAL
fsr-3203	227	33	81.55 93.24	CARDINAL
fsr-3203	227	34	93.08	CARDINAL
fsr-3203	227	35	95.38	MONEY
fsr-3203	227	36	13.12	CARDINAL
fsr-3203	227	37	32.25	CARDINAL
fsr-3203	227	38	23.06 27.03	CARDINAL
fsr-3203	227	39	5.54 6.27	CARDINAL
fsr-3203	227	40	6.22	CARDINAL
fsr-3203	227	41	57.27	CARDINAL
fsr-3203	227	42	54.05	MONEY
fsr-3203	227	43	68.41	CARDINAL
fsr-3203	227	44	39.01	CARDINAL
fsr-3203	227	45	47.19	MONEY
fsr-3203	227	46	32.27 42.43	CARDINAL
fsr-3203	227	47	85.10	CARDINAL
fsr-3203	227	48	47.91	CARDINAL
fsr-3203	227	49	5.95	CARDINAL
fsr-3203	227	50	35,150	MONEY
fsr-3203	227	51	12.88 2.43 $	MONEY
fsr-3203	227	52	35,150–$90,800	MONEY
fsr-3203	227	53	24.59 $	MONEY
fsr-3203	227	54	14.39	MONEY
fsr-3203	227	55	17.30 $	MONEY
fsr-3203	227	56	147,050–$288,350	MONEY
fsr-3203	227	57	288,350	MONEY
fsr-3203	227	58	298 j.k	ORG
fsr-3203	227	59	scott	ORG
fsr-3203	227	60	j. gilliam	PERSON
fsr-3203	227	61	23	CARDINAL
fsr-3203	227	62	2014	DATE
fsr-3203	228	1	287–304	DATE
fsr-3203	228	2	first	ORDINAL
fsr-3203	228	3	5	CARDINAL
fsr-3203	228	4	2010	DATE
fsr-3203	229	1	62%	PERCENT
fsr-3203	231	1	2004	DATE
fsr-3203	231	2	hispanic	NORP
fsr-3203	231	3	2010	DATE
fsr-3203	232	1	both survey years	DATE
fsr-3203	233	1	2010	DATE
fsr-3203	235	1	5	CARDINAL
fsr-3203	235	2	1	CARDINAL
fsr-3203	235	3	2010	DATE
fsr-3203	235	4	0.06 0.70 0.34	QUANTITY
fsr-3203	235	5	1.62	CARDINAL
fsr-3203	235	6	0.25 0.57	CARDINAL
fsr-3203	235	7	0.20 0.95	CARDINAL
fsr-3203	235	8	0.14	CARDINAL
fsr-3203	235	9	0.22 2.14	CARDINAL
fsr-3203	235	10	0.09 1.15	CARDINAL
fsr-3203	235	11	0.18 2.07 0.22 1.58	QUANTITY
fsr-3203	235	12	0.14 1.32 1.11	QUANTITY
fsr-3203	235	13	9.14	CARDINAL
fsr-3203	235	14	0.42 1.17	CARDINAL
fsr-3203	235	15	0.12 0.66	CARDINAL
fsr-3203	235	16	hispanic	NORP
fsr-3203	235	17	0.68* 0.39	QUANTITY
fsr-3203	235	18	0.17 0.63	CARDINAL
fsr-3203	235	19	0.21	CARDINAL
fsr-3203	235	20	1.53 0.14 1.33	CARDINAL
fsr-3203	235	21	0.06 1.12	QUANTITY
fsr-3203	235	22	0.08 0.84	CARDINAL
fsr-3203	235	23	0.05 1.10 0.04 1.08	MONEY
fsr-3203	235	24	0.03 1.06 0.07 1.15	MONEY
fsr-3203	235	25	0.05 0.91	QUANTITY
fsr-3203	235	26	0.02 0.95	CARDINAL
fsr-3203	235	27	0.01 0.99 0.00 1.00	CARDINAL
fsr-3203	235	28	0.52	CARDINAL
fsr-3203	235	29	2.84 0.25	CARDINAL
fsr-3203	235	30	1.66	CARDINAL
fsr-3203	235	31	0.11 1.25 0.33	CARDINAL
fsr-3203	235	32	1.93	CARDINAL
fsr-3203	235	33	35,150	MONEY
fsr-3203	235	34	35,150–$90,800	MONEY
fsr-3203	235	35	0.19 3.70 $90,800–$147,050	MONEY
fsr-3203	235	36	0.04 1.32 0.20 3.72 $	MONEY
fsr-3203	235	37	1.67 0.63	CARDINAL
fsr-3203	235	38	5.73	CARDINAL
fsr-3203	235	39	288,350	MONEY
fsr-3203	235	40	0.11 1.15	CARDINAL
fsr-3203	235	41	0.09 3.34	CARDINAL
fsr-3203	235	42	0.03	CARDINAL
fsr-3203	235	43	0.11 0.80	CARDINAL
fsr-3203	235	44	0.11 0.80	CARDINAL
fsr-3203	235	45	0.04 0.93	CARDINAL
fsr-3203	235	46	0.16 1.38 0.15 1.35	MONEY
fsr-3203	235	47	0.09 0.83	QUANTITY
fsr-3203	235	48	0.09 0.83	CARDINAL
fsr-3203	235	49	0.26	CARDINAL
fsr-3203	235	50	1.79	CARDINAL
fsr-3203	235	51	2.23	CARDINAL
fsr-3203	235	52	3.40	CARDINAL
fsr-3203	236	1	0.05	CARDINAL
fsr-3203	236	2	0.01	CARDINAL
fsr-3203	236	3	0.001	CARDINAL
fsr-3203	238	1	scott	PERSON
fsr-3203	238	2	j. gilliam	PERSON
fsr-3203	238	3	23	CARDINAL
fsr-3203	238	4	2014	DATE
fsr-3203	239	1	287–304	CARDINAL
fsr-3203	239	2	greater than $147,000	MONEY
fsr-3203	240	1	between $147,050	MONEY
fsr-3203	240	2	288,350	MONEY
fsr-3203	240	3	473%	PERCENT
fsr-3203	240	4	less than $35,150	MONEY
fsr-3203	241	1	2004	DATE
fsr-3203	242	1	2008	DATE
fsr-3203	243	1	second	ORDINAL
fsr-3203	243	2	6	CARDINAL
fsr-3203	244	1	2004	DATE
fsr-3203	244	2	156%	PERCENT
fsr-3203	244	3	6	CARDINAL
fsr-3203	244	4	1	CARDINAL
fsr-3203	244	5	2010	DATE
fsr-3203	244	6	0.16	CARDINAL
fsr-3203	244	7	0.38 3.37	CARDINAL
fsr-3203	244	8	0.03 1.32	CARDINAL
fsr-3203	244	9	0.29	CARDINAL
fsr-3203	244	10	1.53	CARDINAL
fsr-3203	244	11	0.04 0.93 1.07	CARDINAL
fsr-3203	244	12	8.48	CARDINAL
fsr-3203	244	13	0.64	CARDINAL
fsr-3203	244	14	1.68	CARDINAL
fsr-3203	244	15	0.37 0.48	CARDINAL
fsr-3203	244	16	hispanic	NORP
fsr-3203	244	17	0.77	CARDINAL
fsr-3203	244	18	0.41 0.00 0.70	CARDINAL
fsr-3203	244	19	0.17 1.41 0.10 1.23	CARDINAL
fsr-3203	244	20	0.01 1.02 0.02 1.04	MONEY
fsr-3203	244	21	0.01	CARDINAL
fsr-3203	244	22	0.00 1.00	CARDINAL
fsr-3203	244	23	0.05 1.10 0.04 1.08	MONEY
fsr-3203	244	24	0.02 0.96	CARDINAL
fsr-3203	244	25	0.07 0.87	CARDINAL
fsr-3203	244	26	0.03	CARDINAL
fsr-3203	244	27	0.03 0.97	CARDINAL
fsr-3203	244	28	0.47	CARDINAL
fsr-3203	244	29	2.56 0.37	CARDINAL
fsr-3203	244	30	2.12	CARDINAL
fsr-3203	244	31	0.25 0.61 0.64	QUANTITY
fsr-3203	244	32	3.63	CARDINAL
fsr-3203	244	33	35,150	MONEY
fsr-3203	244	34	35,150–$90,800	MONEY
fsr-3203	244	35	0.08 4.95 $	MONEY
fsr-3203	244	36	0.04 1.38 0.26 5.89 $	MONEY
fsr-3203	244	37	1.96 0.87	CARDINAL
fsr-3203	244	38	10.87 �$	MONEY
fsr-3203	244	39	288,350	MONEY
fsr-3203	244	40	0.05 1.37	MONEY
fsr-3203	244	41	0.05 1.10 �0.11 0.81	QUANTITY
fsr-3203	244	42	0.05 0.91 0.01 1.01	MONEY
fsr-3203	244	43	0.15 1.35 0.27 1.71	MONEY
fsr-3203	244	44	0.12 0.79	CARDINAL
fsr-3203	244	45	0.12 0.79	CARDINAL
fsr-3203	244	46	0.30	CARDINAL
fsr-3203	244	47	1.81 0.40 2.22	QUANTITY
fsr-3203	244	48	3.11	CARDINAL
fsr-3203	244	49	2.68	CARDINAL
fsr-3203	245	1	0.05	CARDINAL
fsr-3203	245	2	0.01	CARDINAL
fsr-3203	245	3	0.001	CARDINAL
fsr-3203	246	1	300	CARDINAL
fsr-3203	246	2	scott	ORG
fsr-3203	246	3	j. gilliam	PERSON
fsr-3203	246	4	23	CARDINAL
fsr-3203	246	5	2014	DATE
fsr-3203	247	1	287–304	CARDINAL
fsr-3203	249	1	2004	DATE
fsr-3203	249	2	hispanic	NORP
fsr-3203	249	3	59%	PERCENT
fsr-3203	250	1	2004	DATE
fsr-3203	250	2	2010	DATE
fsr-3203	252	1	2004	DATE
fsr-3203	253	1	2010	DATE
fsr-3203	253	2	second	ORDINAL
fsr-3203	254	1	2008	DATE
fsr-3203	256	1	6	CARDINAL
fsr-3203	256	2	2008	DATE
fsr-3203	257	1	2008	DATE
fsr-3203	258	1	the survey years	DATE
fsr-3203	259	1	2004	DATE
fsr-3203	259	2	2010	DATE
fsr-3203	259	3	2010	DATE
fsr-3203	259	4	2004	DATE
fsr-3203	259	5	62%	PERCENT
fsr-3203	259	6	2008	DATE
fsr-3203	261	1	the survey years	DATE
fsr-3203	262	1	2004	DATE
fsr-3203	262	2	hispanic	NORP
fsr-3203	262	3	2010	DATE
fsr-3203	265	1	2010	DATE
fsr-3203	266	1	301j.k	CARDINAL
fsr-3203	267	1	scott	ORG
fsr-3203	267	2	j. gilliam	PERSON
fsr-3203	267	3	23	CARDINAL
fsr-3203	267	4	2014	DATE
fsr-3203	267	5	287–304	CARDINAL
fsr-3203	268	1	browne	PERSON
fsr-3203	268	2	kim	PERSON
fsr-3203	268	3	1993	DATE
fsr-3203	268	4	lewis, 1989)	ORG
fsr-3203	270	1	2004	DATE
fsr-3203	273	1	2008	DATE
fsr-3203	277	1	2011	DATE
fsr-3203	279	1	2011	DATE
fsr-3203	281	1	mitchell, 2011	ORG
fsr-3203	284	1	auerbach	ORG
fsr-3203	284	2	1991	DATE
fsr-3203	287	1	2006	DATE
fsr-3203	289	1	mitchell, 2011	ORG
fsr-3203	290	1	2006	DATE
fsr-3203	291	1	302	CARDINAL
fsr-3203	291	2	scott	ORG
fsr-3203	291	3	j. gilliam	PERSON
fsr-3203	291	4	23	CARDINAL
fsr-3203	291	5	2014	DATE
fsr-3203	292	1	287–304	CARDINAL
fsr-3203	294	1	auerbach	GPE
fsr-3203	294	2	a. j.	PERSON
fsr-3203	294	3	1991	DATE
fsr-3203	297	1	cambridge	GPE
fsr-3203	297	2	ma: national bureau of economic research	ORG
fsr-3203	298	1	e., & devaney	ORG
fsr-3203	298	2	s. a. (	PERSON
fsr-3203	298	3	2005	DATE
fsr-3203	300	1	4	CARDINAL
fsr-3203	300	2	62–84	CARDINAL
fsr-3203	301	1	baranoff	ORG
fsr-3203	301	2	e. g.	PERSON
fsr-3203	301	3	t. w.	PERSON
fsr-3203	301	4	2009	DATE
fsr-3203	302	1	2007–2008	CARDINAL
fsr-3203	303	1	34	CARDINAL
fsr-3203	303	2	100–118	CARDINAL
fsr-3203	303	3	beinhocker	FAC
fsr-3203	303	4	e. d.	PERSON
fsr-3203	303	5	farrell	GPE
fsr-3203	303	6	d., & greenberg	ORG
fsr-3203	303	7	2009	DATE
fsr-3203	305	1	mckinsey	GPE
fsr-3203	305	2	quarterly	DATE
fsr-3203	305	3	1	CARDINAL
fsr-3203	305	4	118–127	CARDINAL
fsr-3203	305	5	bernheim	GPE
fsr-3203	305	6	b. d.	PERSON
fsr-3203	305	7	1991	DATE
fsr-3203	308	1	99	CARDINAL
fsr-3203	308	2	899–927	CARDINAL
fsr-3203	309	1	bernheim	GPE
fsr-3203	309	2	b. d.	PERSON
fsr-3203	309	3	forni	GPE
fsr-3203	309	4	l.	GPE
fsr-3203	309	5	j., & kotlikoff	ORG
fsr-3203	309	6	l. j. (	PERSON
fsr-3203	309	7	1999	DATE
fsr-3203	311	1	cambridge	GPE
fsr-3203	311	2	ma: national bureau of economic research	ORG
fsr-3203	312	1	bernheim	GPE
fsr-3203	312	2	b. d.	PERSON
fsr-3203	312	3	carman	GPE
fsr-3203	312	4	k. g.	PERSON
fsr-3203	312	5	j., & kotlikoff	ORG
fsr-3203	312	6	l. j. (	PERSON
fsr-3203	312	7	2001	DATE
fsr-3203	314	1	cambridge	GPE
fsr-3203	314	2	ma: national bureau of economic research	ORG
fsr-3203	315	1	j. r.	PERSON
fsr-3203	315	2	1999	DATE
fsr-3203	318	1	cambridge	GPE
fsr-3203	318	2	ma: national bureau of economic research browne	ORG
fsr-3203	318	3	m. j.	PERSON
fsr-3203	318	4	kim	PERSON
fsr-3203	318	5	k.	PERSON
fsr-3203	318	6	1993	DATE
fsr-3203	320	1	60	CARDINAL
fsr-3203	320	2	616–634	CARDINAL
fsr-3203	321	1	bryant	PERSON
fsr-3203	321	2	w. k.	PERSON
fsr-3203	321	3	2006	DATE
fsr-3203	323	1	new york	GPE
fsr-3203	323	2	ny: cambridge university press	ORG
fsr-3203	324	1	campbell	ORG
fsr-3203	324	2	r.	PERSON
fsr-3203	324	3	1980	DATE
fsr-3203	326	1	35(5	CARDINAL
fsr-3203	326	2	1155–1172	CARDINAL
fsr-3203	327	1	chen	PERSON
fsr-3203	327	2	r.	NORP
fsr-3203	327	3	wong	GPE
fsr-3203	327	4	k. a. & lee	ORG
fsr-3203	327	5	h. c.	PERSON
fsr-3203	327	6	2001	DATE
fsr-3203	328	1	u.s.	GPE
fsr-3203	328	2	the journal of risk and insurance	ORG
fsr-3203	328	3	68	CARDINAL
fsr-3203	328	4	303–327	CARDINAL
fsr-3203	329	1	collins	PERSON
fsr-3203	329	2	h. d.	PERSON
fsr-3203	329	3	2011	DATE
fsr-3203	331	1	20	CARDINAL
fsr-3203	331	2	303	CARDINAL
fsr-3203	332	1	devaney	ORG
fsr-3203	332	2	s. a. (	PERSON
fsr-3203	332	3	1995	DATE
fsr-3203	334	1	6	CARDINAL
fsr-3203	334	2	25–33	CARDINAL
fsr-3203	335	1	farrell	PERSON
fsr-3203	335	2	2013	DATE
fsr-3203	337	1	1	CARDINAL
fsr-3203	338	1	m., huston	PERSON
fsr-3203	338	2	s., & waller	ORG
fsr-3203	338	3	w.	PERSON
fsr-3203	338	4	2009	DATE
fsr-3203	340	1	18	CARDINAL
fsr-3203	340	2	177–193	CARDINAL
fsr-3203	341	1	fitzgerald	PERSON
fsr-3203	341	2	j. (1987	ORG
fsr-3203	343	1	54	DATE
fsr-3203	344	1	1973	DATE
fsr-3203	346	1	28	CARDINAL
fsr-3203	346	2	587–600	CARDINAL
fsr-3203	346	3	a. s.	PERSON
fsr-3203	346	4	l. (1996	ORG
fsr-3203	348	1	63	DATE
fsr-3203	348	2	683–693	CARDINAL
fsr-3203	349	1	gokhale	PERSON
fsr-3203	349	2	j., & kotlikoff	ORG
fsr-3203	349	3	l. j. (	PERSON
fsr-3203	349	4	2000	DATE
fsr-3203	351	1	federal reserve bank	ORG
fsr-3203	351	2	cleveland	GPE
fsr-3203	352	1	ibbotson	ORG
fsr-3203	352	2	r. g.	PERSON
fsr-3203	352	3	milevsky	GPE
fsr-3203	352	4	m. a.	PERSON
fsr-3203	352	5	chen	PERSON
fsr-3203	352	6	k. x.	PERSON
fsr-3203	352	7	2007	DATE
fsr-3203	354	1	charlottesville	GPE
fsr-3203	354	2	va: research foundation	ORG
fsr-3203	354	3	cfa institute	ORG
fsr-3203	355	1	johnson	PERSON
fsr-3203	355	2	r. e.	PERSON
fsr-3203	355	3	1970	DATE
fsr-3203	357	1	journal of risk & insurance	ORG
fsr-3203	357	2	37	CARDINAL
fsr-3203	357	3	105–114	CARDINAL
fsr-3203	358	1	scott	ORG
fsr-3203	358	2	j. gilliam	PERSON
fsr-3203	358	3	23	CARDINAL
fsr-3203	358	4	2014	DATE
fsr-3203	359	1	287–304 kirkpatrick	PERSON
fsr-3203	359	2	2002	DATE
fsr-3203	360	1	jamaica	GPE
fsr-3203	361	1	30	CARDINAL
fsr-3203	361	2	1933–1950	DATE
fsr-3203	361	3	knickman	PERSON
fsr-3203	361	4	j. r., & snell	PERSON
fsr-3203	361	5	e. k.	PERSON
fsr-3203	361	6	2002	DATE
fsr-3203	362	1	2030	CARDINAL
fsr-3203	363	1	37	DATE
fsr-3203	363	2	849–884	CARDINAL
fsr-3203	364	1	1989	DATE
fsr-3203	366	1	the american economic review	ORG
fsr-3203	366	2	79	DATE
fsr-3203	366	3	452–467	CARDINAL
fsr-3203	368	1	2011	DATE
fsr-3203	369	1	seven	CARDINAL
fsr-3203	371	1	new york	GPE
fsr-3203	371	2	ny	GPE
fsr-3203	372	1	lin	PERSON
fsr-3203	372	2	m. f. (	PERSON
fsr-3203	372	3	2007	DATE
fsr-3203	374	1	74	CARDINAL
fsr-3203	374	2	141–173	CARDINAL
fsr-3203	375	1	mitchell	PERSON
fsr-3203	375	2	j. o.	PERSON
fsr-3203	375	3	2011	DATE
fsr-3203	376	1	2011	DATE
fsr-3203	377	1	usa: life foundation	ORG
fsr-3203	377	2	global, inc	ORG
fsr-3203	377	3	mitchel	PERSON
fsr-3203	377	4	j. o.	PERSON
fsr-3203	377	5	2003	DATE
fsr-3203	378	1	u.s.	GPE
fsr-3203	379	1	journal of financial service	ORG
fsr-3203	379	2	57	DATE
fsr-3203	379	3	mittra, s. (1995	ORG
fsr-3203	381	1	troy	PERSON
fsr-3203	381	2	mittra & associates	ORG
fsr-3203	382	1	b. s.	PERSON
fsr-3203	382	2	finke	PERSON
fsr-3203	382	3	m. s.	PERSON
fsr-3203	382	4	& huston	ORG
fsr-3203	382	5	s.	PERSON
fsr-3203	382	6	2012	DATE
fsr-3203	384	1	lubbock	GPE
fsr-3203	384	2	tx	ORG
fsr-3203	384	3	texas tech university	ORG
fsr-3203	385	1	munnell	ORG
fsr-3203	385	2	a. h.	PERSON
fsr-3203	385	3	golub	PERSON
fsr-3203	385	4	f.	PERSON
fsr-3203	385	5	soto	GPE
fsr-3203	385	6	m., & webb	ORG
fsr-3203	385	7	a. (	PERSON
fsr-3203	385	8	2008	DATE
fsr-3203	388	1	chestnut hill	ORG
fsr-3203	388	2	boston college	ORG
fsr-3203	389	1	rubin	GPE
fsr-3203	389	2	d. b.	PERSON
fsr-3203	389	3	1987	DATE
fsr-3203	391	1	new york	GPE
fsr-3203	391	2	wiley	GPE
fsr-3203	392	1	rosnick	PERSON
fsr-3203	392	2	d., & baker	ORG
fsr-3203	392	3	d.	PERSON
fsr-3203	392	4	2010	DATE
fsr-3203	394	1	22	CARDINAL
fsr-3203	394	2	117–128	DATE
fsr-3203	395	1	scott	ORG
fsr-3203	395	2	j. k.	PERSON
fsr-3203	395	3	m. j.	PERSON
fsr-3203	395	4	2013	DATE
fsr-3203	397	1	22	CARDINAL
fsr-3203	397	2	1–12	DATE
fsr-3203	398	1	e., & shotick	ORG
fsr-3203	398	2	j. a.	PERSON
fsr-3203	398	3	1994	DATE
fsr-3203	399	1	tobit	ORG
fsr-3203	400	1	61	CARDINAL
fsr-3203	400	2	492–502	CARDINAL
fsr-3203	401	1	thomas	PERSON
fsr-3203	401	2	2006	DATE
fsr-3203	403	1	110	CARDINAL
fsr-3203	403	2	7–41	DATE
fsr-3203	403	3	trese	NORP
fsr-3203	403	4	2010	DATE
fsr-3203	405	1	february 2010	DATE
fsr-3203	405	2	24–26	DATE
fsr-3203	406	1	e.	PERSON
fsr-3203	406	2	2003	DATE
fsr-3203	408	1	6(2	CARDINAL
fsr-3203	409	1	159–191	CARDINAL
fsr-3203	409	2	304	CARDINAL
fsr-3203	409	3	scott	ORG
fsr-3203	409	4	j. gilliam	PERSON
fsr-3203	409	5	23	CARDINAL
fsr-3203	409	6	2014	DATE
fsr-3203	409	7	287–304	CARDINAL