id	sid	eid	entity	type
fsr-3222	1	1	leslie a. muller	PERSON
fsr-3222	1	2	ph.d.a	ORG
fsr-3222	1	3	john a. turner	PERSON
fsr-3222	1	4	ph.d.b	ORG
fsr-3222	1	5	grand valley state university	ORG
fsr-3222	1	6	50	CARDINAL
fsr-3222	1	7	front street sw	ORG
fsr-3222	1	8	grand rapids	GPE
fsr-3222	1	9	49504	DATE
fsr-3222	1	10	3713	DATE
fsr-3222	1	11	chesapeake st. nw	PERSON
fsr-3222	1	12	washington	GPE
fsr-3222	1	13	dc	GPE
fsr-3222	1	14	20016	DATE
fsr-3222	4	1	2016	CARDINAL
fsr-3222	6	1	jel	ORG
fsr-3222	6	2	1	CARDINAL
fsr-3222	6	3	mitchell	PERSON
fsr-3222	6	4	2007	DATE
fsr-3222	6	5	mccarthy	PERSON
fsr-3222	6	6	turner	ORG
fsr-3222	6	7	2000	DATE
fsr-3222	9	1	1-616	CARDINAL
fsr-3222	9	2	1-616	CARDINAL
fsr-3222	10	1	mullerle@gvsu.edu	PERSON
fsr-3222	10	2	l. a. muller	PERSON
fsr-3222	10	3	25	CARDINAL
fsr-3222	10	4	2016	CARDINAL
fsr-3222	10	5	215–234	CARDINAL
fsr-3222	10	6	2016	CARDINAL
fsr-3222	25	1	americans	NORP
fsr-3222	26	1	2010	DATE
fsr-3222	26	2	55%	PERCENT
fsr-3222	26	3	23%	PERCENT
fsr-3222	26	4	21%	PERCENT
fsr-3222	26	5	bricker et al.	PERSON
fsr-3222	26	6	2013	DATE
fsr-3222	27	1	2	CARDINAL
fsr-3222	31	1	216	CARDINAL
fsr-3222	31	2	muller	ORG
fsr-3222	31	3	j.a. turner	ORG
fsr-3222	31	4	25	CARDINAL
fsr-3222	31	5	2016	CARDINAL
fsr-3222	31	6	215–234	CARDINAL
fsr-3222	32	1	85%	PERCENT
fsr-3222	32	2	maxey	GPE
fsr-3222	32	3	2011	DATE
fsr-3222	34	1	80%	PERCENT
fsr-3222	34	2	age 35	DATE
fsr-3222	34	3	bricker et al.	PERSON
fsr-3222	34	4	2012	DATE
fsr-3222	39	1	10	CARDINAL
fsr-3222	41	1	618	CARDINAL
fsr-3222	43	1	3	CARDINAL
fsr-3222	44	1	mcdonald (	ORG
fsr-3222	44	2	2013	DATE
fsr-3222	45	1	li	PERSON
fsr-3222	45	2	2008	DATE
fsr-3222	46	1	annual	DATE
fsr-3222	47	1	1992	DATE
fsr-3222	47	2	2000	DATE
fsr-3222	48	1	healy	ORG
fsr-3222	48	2	1977	DATE
fsr-3222	48	3	smith and smith	ORG
fsr-3222	48	4	1971	DATE
fsr-3222	49	1	ellison	PERSON
fsr-3222	49	2	ellison	PERSON
fsr-3222	49	3	2009	DATE
fsr-3222	51	1	carlin	PERSON
fsr-3222	51	2	2009	DATE
fsr-3222	51	3	wilson	PERSON
fsr-3222	51	4	2010	DATE
fsr-3222	52	1	carlin	ORG
fsr-3222	52	2	2009	DATE
fsr-3222	53	1	ellison	PERSON
fsr-3222	53	2	wolitsky	PERSON
fsr-3222	53	3	2011	DATE
fsr-3222	55	1	217l.a	CARDINAL
fsr-3222	56	1	muller	ORG
fsr-3222	56	2	j.a. turner	ORG
fsr-3222	56	3	25	CARDINAL
fsr-3222	56	4	2016	CARDINAL
fsr-3222	57	1	215–234	CARDINAL
fsr-3222	57	2	ellison	PERSON
fsr-3222	57	3	2011	DATE
fsr-3222	59	1	ellison	PERSON
fsr-3222	59	2	wolitzky	PERSON
fsr-3222	59	3	2012	DATE
fsr-3222	64	1	ellison	PERSON
fsr-3222	64	2	ellison	PERSON
fsr-3222	64	3	2009	DATE
fsr-3222	65	1	u.s.	GPE
fsr-3222	66	1	2013	DATE
fsr-3222	66	2	10	CARDINAL
fsr-3222	69	1	gao	PERSON
fsr-3222	70	1	u.s.	GPE
fsr-3222	70	2	gao	PERSON
fsr-3222	70	3	2013	DATE
fsr-3222	72	1	one	CARDINAL
fsr-3222	72	2	49	CARDINAL
fsr-3222	78	1	2002	DATE
fsr-3222	80	1	2008	DATE
fsr-3222	80	2	the securities and exchange commission	ORG
fsr-3222	80	3	sec	ORG
fsr-3222	81	1	sec	ORG
fsr-3222	81	2	sec	ORG
fsr-3222	83	1	starr	PERSON
fsr-3222	83	2	2010	DATE
fsr-3222	84	1	nicolini	PERSON
fsr-3222	84	2	2010	DATE
fsr-3222	84	3	italian	NORP
fsr-3222	88	1	218	CARDINAL
fsr-3222	88	2	muller	ORG
fsr-3222	88	3	j.a. turner	ORG
fsr-3222	88	4	25	CARDINAL
fsr-3222	88	5	2016	CARDINAL
fsr-3222	88	6	215–234	CARDINAL
fsr-3222	89	1	lachance	PERSON
fsr-3222	89	2	2012	DATE
fsr-3222	91	1	medicare	ORG
fsr-3222	91	2	ho	NORP
fsr-3222	91	3	morton 2015	PERSON
fsr-3222	93	1	4.	CARDINAL
fsr-3222	93	2	1998	DATE
fsr-3222	93	3	the securities and exchange commission	ORG
fsr-3222	93	4	english	LANGUAGE
fsr-3222	94	1	1	CARDINAL
fsr-3222	94	2	2	CARDINAL
fsr-3222	94	3	li	GPE
fsr-3222	94	4	2008	DATE
fsr-3222	104	1	jargon	ORG
fsr-3222	104	2	one	CARDINAL
fsr-3222	105	1	one	CARDINAL
fsr-3222	105	2	english	LANGUAGE
fsr-3222	105	3	dale	ORG
fsr-3222	105	4	chall	ORG
fsr-3222	105	5	1948	DATE
fsr-3222	106	1	3.6365	CARDINAL
fsr-3222	106	2	1	CARDINAL
fsr-3222	106	3	pdw	PRODUCT
fsr-3222	106	4	asl	NORP
fsr-3222	106	5	10%	PERCENT
fsr-3222	107	1	1	CARDINAL
fsr-3222	108	1	4	CARDINAL
fsr-3222	108	2	age 10	DATE
fsr-3222	110	1	27	CARDINAL
fsr-3222	110	2	4	CARDINAL
fsr-3222	110	3	three	CARDINAL
fsr-3222	111	1	219l.a	CARDINAL
fsr-3222	112	1	muller	ORG
fsr-3222	112	2	j.a. turner	ORG
fsr-3222	112	3	25	CARDINAL
fsr-3222	112	4	2016	CARDINAL
fsr-3222	112	5	215–234	CARDINAL
fsr-3222	113	1	dale-chall	ORG
fsr-3222	113	2	3,000	CARDINAL
fsr-3222	114	1	3,000	CARDINAL
fsr-3222	114	2	2013b).2	CARDINAL
fsr-3222	114	3	dale-chall	ORG
fsr-3222	115	1	fidelity	ORG
fsr-3222	115	2	2013	DATE
fsr-3222	116	1	annual	DATE
fsr-3222	116	2	between 0.55% and 1.5%	PERCENT
fsr-3222	117	1	microsoft	ORG
fsr-3222	117	2	12	CARDINAL
fsr-3222	118	1	0.55%	PERCENT
fsr-3222	119	1	dale-chall	ORG
fsr-3222	119	2	16	CARDINAL
fsr-3222	120	1	dale-chall	ORG
fsr-3222	120	2	3,000	CARDINAL
fsr-3222	121	1	annual	DATE
fsr-3222	122	1	fourth	ORDINAL
fsr-3222	123	1	mcdonald (	ORG
fsr-3222	123	2	2013	DATE
fsr-3222	123	3	3,000	CARDINAL
fsr-3222	130	1	12	CARDINAL
fsr-3222	130	2	four	CARDINAL
fsr-3222	130	3	13–15	CARDINAL
fsr-3222	130	4	1	CARDINAL
fsr-3222	133	1	1	CARDINAL
fsr-3222	133	2	0	CARDINAL
fsr-3222	133	3	4.9 4	CARDINAL
fsr-3222	133	4	8 7.0	CARDINAL
fsr-3222	133	5	9.9 13–15	CARDINAL
fsr-3222	133	6	10.0	CARDINAL
fsr-3222	133	7	16	CARDINAL
fsr-3222	133	8	dale	ORG
fsr-3222	133	9	chall	ORG
fsr-3222	133	10	1948	DATE
fsr-3222	134	1	220	CARDINAL
fsr-3222	134	2	muller	ORG
fsr-3222	134	3	j.a. turner	ORG
fsr-3222	134	4	25	CARDINAL
fsr-3222	134	5	2016	CARDINAL
fsr-3222	134	6	215–234	CARDINAL
fsr-3222	135	1	dale-chall	ORG
fsr-3222	141	1	6 (	PERCENT
fsr-3222	141	2	2	CARDINAL
fsr-3222	142	1	appendix 1	PERSON
fsr-3222	143	1	1	CARDINAL
fsr-3222	145	1	fourth	ORDINAL
fsr-3222	147	1	one	CARDINAL
fsr-3222	147	2	sixth	ORDINAL
fsr-3222	147	3	2003	DATE
fsr-3222	148	1	2004	DATE
fsr-3222	148	2	canada	GPE
fsr-3222	148	3	fifth	ORDINAL
fsr-3222	149	1	5	CARDINAL
fsr-3222	155	1	one	CARDINAL
fsr-3222	155	2	221l.a	CARDINAL
fsr-3222	156	1	muller	ORG
fsr-3222	156	2	j.a. turner	ORG
fsr-3222	156	3	25	CARDINAL
fsr-3222	156	4	2016	CARDINAL
fsr-3222	157	1	215–234	CARDINAL
fsr-3222	169	1	28th	ORDINAL
fsr-3222	177	1	2013	DATE
fsr-3222	182	1	one	CARDINAL
fsr-3222	188	1	222	CARDINAL
fsr-3222	188	2	muller	ORG
fsr-3222	188	3	j.a. turner	ORG
fsr-3222	188	4	25	CARDINAL
fsr-3222	188	5	2016	DATE
fsr-3222	188	6	215–234 6	CARDINAL
fsr-3222	194	1	first	ORDINAL
fsr-3222	195	1	second	ORDINAL
fsr-3222	197	1	third	ORDINAL
fsr-3222	197	2	no more than $500,000	MONEY
fsr-3222	201	1	dale-chall	ORG
fsr-3222	201	2	2	CARDINAL
fsr-3222	204	1	10	CARDINAL
fsr-3222	204	2	the united states	GPE
fsr-3222	204	3	american	NORP
fsr-3222	204	4	fidelity	ORG
fsr-3222	204	5	t. rowe price	ORG
fsr-3222	204	6	franklin templeton	PERSON
fsr-3222	204	7	blackrock	GPE
fsr-3222	204	8	oppenheimer	ORG
fsr-3222	204	9	jp morgan	ORG
fsr-3222	204	10	columbia	ORG
fsr-3222	204	11	roth	ORG
fsr-3222	204	12	2012	DATE
fsr-3222	205	1	three	CARDINAL
fsr-3222	205	2	american	NORP
fsr-3222	205	3	$2.6 trillion	MONEY
fsr-3222	205	4	2008	DATE
fsr-3222	205	5	2008	DATE
fsr-3222	209	1	10	CARDINAL
fsr-3222	209	2	three	CARDINAL
fsr-3222	209	3	fidelity	ORG
fsr-3222	209	4	t. rowe price	ORG
fsr-3222	212	1	blackrock	GPE
fsr-3222	212	2	blackrock	GPE
fsr-3222	212	3	2013	DATE
fsr-3222	216	1	223l.a	CARDINAL
fsr-3222	217	1	j.a. turner	ORG
fsr-3222	217	2	25	CARDINAL
fsr-3222	217	3	2016	CARDINAL
fsr-3222	217	4	215–234	CARDINAL
fsr-3222	219	1	2	CARDINAL
fsr-3222	223	1	2	CARDINAL
fsr-3222	224	1	2	CARDINAL
fsr-3222	226	1	3	CARDINAL
fsr-3222	228	1	3	CARDINAL
fsr-3222	231	1	2	CARDINAL
fsr-3222	232	1	1	CARDINAL
fsr-3222	233	1	2013	DATE
fsr-3222	233	2	5	CARDINAL
fsr-3222	233	3	2	CARDINAL
fsr-3222	233	4	edward jones	PERSON
fsr-3222	233	5	2013	DATE
fsr-3222	233	6	28	CARDINAL
fsr-3222	233	7	309 1.8%	PERCENT
fsr-3222	233	8	500,000	MONEY
fsr-3222	233	9	3	CARDINAL
fsr-3222	233	10	fidelity	ORG
fsr-3222	233	11	2013	DATE
fsr-3222	233	12	12 12	DATE
fsr-3222	233	13	65 1.5%	PERCENT
fsr-3222	233	14	200,000	MONEY
fsr-3222	233	15	4	CARDINAL
fsr-3222	233	16	west financial	ORG
fsr-3222	233	17	11	CARDINAL
fsr-3222	233	18	76 1.25%	PERCENT
fsr-3222	233	19	250	MONEY
fsr-3222	233	20	5	CARDINAL
fsr-3222	233	21	2013	DATE
fsr-3222	233	22	16 16 1.0%	PERCENT
fsr-3222	233	23	500,000	MONEY
fsr-3222	233	24	6	CARDINAL
fsr-3222	233	25	17 17 1.0%	PERCENT
fsr-3222	233	26	500,000	MONEY
fsr-3222	233	27	7	CARDINAL
fsr-3222	233	28	2013	DATE
fsr-3222	233	29	13 80 0.9%	PERCENT
fsr-3222	233	30	500,000	MONEY
fsr-3222	233	31	8	CARDINAL
fsr-3222	233	32	zero	CARDINAL
fsr-3222	233	33	2013	DATE
fsr-3222	233	34	17 17 $149	MONEY
fsr-3222	233	35	bloombergblack	PERSON
fsr-3222	233	36	2013	DATE
fsr-3222	233	37	11 11 $100	MONEY
fsr-3222	234	1	2013	DATE
fsr-3222	234	2	8 8 $250	MONEY
fsr-3222	234	3	575	MONEY
fsr-3222	240	1	224	CARDINAL
fsr-3222	240	2	muller	ORG
fsr-3222	240	3	j.a. turner	ORG
fsr-3222	240	4	25	CARDINAL
fsr-3222	240	5	2016	CARDINAL
fsr-3222	240	6	215–234	CARDINAL
fsr-3222	245	1	7	CARDINAL
fsr-3222	247	1	one	CARDINAL
fsr-3222	248	1	618	CARDINAL
fsr-3222	248	2	the seidman college of business at grand valley state university	ORG
fsr-3222	248	3	allendale	GPE
fsr-3222	249	1	27%	PERCENT
fsr-3222	249	2	16%	PERCENT
fsr-3222	249	3	4	CARDINAL
fsr-3222	250	1	laibson	GPE
fsr-3222	250	2	2010	DATE
fsr-3222	250	3	harvard	ORG
fsr-3222	250	4	wharton	PERSON
fsr-3222	250	5	99th	ORDINAL
fsr-3222	250	6	98th	ORDINAL
fsr-3222	251	1	october	DATE
fsr-3222	251	2	3	CARDINAL
fsr-3222	251	3	1	CARDINAL
fsr-3222	252	1	16 2.0%	PERCENT
fsr-3222	252	2	2	CARDINAL
fsr-3222	252	3	edward jones	PERSON
fsr-3222	252	4	2013	DATE
fsr-3222	252	5	1.8%	PERCENT
fsr-3222	252	6	3	CARDINAL
fsr-3222	253	1	fidelity	ORG
fsr-3222	253	2	2013	DATE
fsr-3222	253	3	1.5%	PERCENT
fsr-3222	253	4	4	CARDINAL
fsr-3222	253	5	west financial services	ORG
fsr-3222	253	6	11–12 1.25%	PERCENT
fsr-3222	253	7	250	MONEY
fsr-3222	253	8	5	CARDINAL
fsr-3222	253	9	2013	DATE
fsr-3222	253	10	1.0%	PERCENT
fsr-3222	254	1	1.0%	PERCENT
fsr-3222	254	2	vanguard	ORG
fsr-3222	254	3	2013	DATE
fsr-3222	254	4	0.9%	PERCENT
fsr-3222	254	5	8	CARDINAL
fsr-3222	254	6	zero	CARDINAL
fsr-3222	254	7	2013	DATE
fsr-3222	254	8	145	MONEY
fsr-3222	254	9	month 9	DATE
fsr-3222	254	10	bloombergblack	PERSON
fsr-3222	254	11	2013	DATE
fsr-3222	254	12	100	MONEY
fsr-3222	255	1	2013	DATE
fsr-3222	255	2	250	MONEY
fsr-3222	255	3	575	MONEY
fsr-3222	255	4	annual	DATE
fsr-3222	255	5	425,000	MONEY
fsr-3222	256	1	225l.a	CARDINAL
fsr-3222	257	1	muller	ORG
fsr-3222	257	2	j.a. turner	ORG
fsr-3222	257	3	25	CARDINAL
fsr-3222	257	4	2016	CARDINAL
fsr-3222	257	5	215–234 2014	DATE
fsr-3222	258	1	two	CARDINAL
fsr-3222	258	2	2	CARDINAL
fsr-3222	260	1	1 to 10	CARDINAL
fsr-3222	261	1	appendix 2	ORG
fsr-3222	261	2	4	CARDINAL
fsr-3222	261	3	a little over half	CARDINAL
fsr-3222	261	4	73%	PERCENT
fsr-3222	262	1	27%	PERCENT
fsr-3222	262	2	11%	PERCENT
fsr-3222	262	3	16%	PERCENT
fsr-3222	263	1	88%	PERCENT
fsr-3222	263	2	age 25	DATE
fsr-3222	263	3	the remaining 12%	PERCENT
fsr-3222	264	1	ninety-six percent	PERCENT
fsr-3222	264	2	english	LANGUAGE
fsr-3222	264	3	first	ORDINAL
fsr-3222	266	1	age 25	DATE
fsr-3222	267	1	mitchell (	ORG
fsr-3222	267	2	2011	DATE
fsr-3222	268	1	2011	DATE
fsr-3222	270	1	4	CARDINAL
fsr-3222	270	2	54	DATE
fsr-3222	270	3	46 age 25	DATE
fsr-3222	270	4	english	LANGUAGE
fsr-3222	270	5	first	ORDINAL
fsr-3222	270	6	english	LANGUAGE
fsr-3222	270	7	first	ORDINAL
fsr-3222	270	8	4	CARDINAL
fsr-3222	270	9	27	CARDINAL
fsr-3222	270	10	11	CARDINAL
fsr-3222	270	11	16	CARDINAL
fsr-3222	270	12	73	CARDINAL
fsr-3222	270	13	20	CARDINAL
fsr-3222	270	14	5	CARDINAL
fsr-3222	270	15	12	CARDINAL
fsr-3222	270	16	14	CARDINAL
fsr-3222	270	17	14	CARDINAL
fsr-3222	270	18	6	CARDINAL
fsr-3222	270	19	618	CARDINAL
fsr-3222	273	1	226	CARDINAL
fsr-3222	273	2	muller	ORG
fsr-3222	273	3	j.a. turner	ORG
fsr-3222	273	4	25	CARDINAL
fsr-3222	273	5	2016	CARDINAL
fsr-3222	273	6	215–234	CARDINAL
fsr-3222	273	7	5	CARDINAL
fsr-3222	273	8	5a	CARDINAL
fsr-3222	273	9	6a	CARDINAL
fsr-3222	273	10	appendix 2	LAW
fsr-3222	275	1	half	CARDINAL
fsr-3222	275	2	only 15%	PERCENT
fsr-3222	276	1	only 24%	PERCENT
fsr-3222	276	2	45%	PERCENT
fsr-3222	277	1	6	CARDINAL
fsr-3222	277	2	5	CARDINAL
fsr-3222	278	1	40%	PERCENT
fsr-3222	278	2	1–3	CARDINAL
fsr-3222	278	3	1 to 10	CARDINAL
fsr-3222	278	4	only 24%	PERCENT
fsr-3222	279	1	approximately 10%	PERCENT
fsr-3222	279	2	9	CARDINAL
fsr-3222	279	3	18%	PERCENT
fsr-3222	281	1	8	CARDINAL
fsr-3222	281	2	5	CARDINAL
fsr-3222	281	3	14.8 10.2	CARDINAL
fsr-3222	281	4	49.8 15.0	CARDINAL
fsr-3222	281	5	11.3 29.8	CARDINAL
fsr-3222	281	6	24.1 45.0	CARDINAL
fsr-3222	281	7	100.0 100.0	CARDINAL
fsr-3222	281	8	576 618	CARDINAL
fsr-3222	282	1	5a	CARDINAL
fsr-3222	282	2	6a	CARDINAL
fsr-3222	282	3	appendix 2	LAW
fsr-3222	283	1	6	CARDINAL
fsr-3222	283	2	23.5	CARDINAL
fsr-3222	283	3	23.5	CARDINAL
fsr-3222	283	4	4–5	CARDINAL
fsr-3222	283	5	64.5	CARDINAL
fsr-3222	283	6	20.5	CARDINAL
fsr-3222	283	7	9.8 100.0	CARDINAL
fsr-3222	283	8	17.7 100.0	CARDINAL
fsr-3222	283	9	100.0	CARDINAL
fsr-3222	283	10	100.0	CARDINAL
fsr-3222	283	11	618	CARDINAL
fsr-3222	283	12	611	CARDINAL
fsr-3222	284	1	1	CARDINAL
fsr-3222	284	2	10	CARDINAL
fsr-3222	285	1	5b	CARDINAL
fsr-3222	285	2	6b	CARDINAL
fsr-3222	285	3	appendix 2	LAW
fsr-3222	287	1	j.a. turner	ORG
fsr-3222	287	2	25	CARDINAL
fsr-3222	287	3	2016	CARDINAL
fsr-3222	287	4	215–234	CARDINAL
fsr-3222	289	1	7	CARDINAL
fsr-3222	290	1	english	LANGUAGE
fsr-3222	292	1	8%	PERCENT
fsr-3222	293	1	mitchell, 2008	ORG
fsr-3222	303	1	7	CARDINAL
fsr-3222	303	2	.08	CARDINAL
fsr-3222	304	1	english	LANGUAGE
fsr-3222	304	2	.19	ORG
fsr-3222	304	3	.30	PRODUCT
fsr-3222	305	1	.33	CARDINAL
fsr-3222	306	1	.09	CARDINAL
fsr-3222	306	2	.17	DATE
fsr-3222	306	3	575 617	CARDINAL
fsr-3222	310	1	0.05	CARDINAL
fsr-3222	310	2	0.01	CARDINAL
fsr-3222	311	1	228	CARDINAL
fsr-3222	311	2	muller	ORG
fsr-3222	311	3	j.a. turner	ORG
fsr-3222	311	4	25	CARDINAL
fsr-3222	311	5	2016	CARDINAL
fsr-3222	311	6	215–234	CARDINAL
fsr-3222	313	1	30% and 25%	PERCENT
fsr-3222	318	1	9	CARDINAL
fsr-3222	320	1	american	NORP
fsr-3222	320	2	english	NORP
fsr-3222	320	3	2013	DATE
fsr-3222	321	1	10	CARDINAL
fsr-3222	325	1	one	CARDINAL
fsr-3222	328	1	229l.a.	CARDINAL
fsr-3222	328	2	muller	ORG
fsr-3222	328	3	j.a. turner	ORG
fsr-3222	328	4	25	CARDINAL
fsr-3222	328	5	2016	CARDINAL
fsr-3222	328	6	215–234	CARDINAL
fsr-3222	329	1	10	CARDINAL
fsr-3222	333	1	10	CARDINAL
fsr-3222	334	1	one	CARDINAL
fsr-3222	344	1	1	CARDINAL
fsr-3222	344	2	3.6365	CARDINAL
fsr-3222	344	3	five percent	PERCENT
fsr-3222	344	4	3	CARDINAL
fsr-3222	345	1	2	CARDINAL
fsr-3222	345	2	two	CARDINAL
fsr-3222	346	1	fog	ORG
fsr-3222	346	2	robert gunning	PERSON
fsr-3222	346	3	1952	DATE
fsr-3222	346	4	more than two	CARDINAL
fsr-3222	347	1	230	CARDINAL
fsr-3222	347	2	muller	ORG
fsr-3222	347	3	j.a. turner	ORG
fsr-3222	347	4	25	CARDINAL
fsr-3222	347	5	2016	CARDINAL
fsr-3222	347	6	215–234	CARDINAL
fsr-3222	347	7	mcdonald	ORG
fsr-3222	347	8	2013	DATE
fsr-3222	347	9	two	CARDINAL
fsr-3222	348	1	flesch	ORG
fsr-3222	348	2	2013a	DATE
fsr-3222	349	1	bernard casey	PERSON
fsr-3222	349	2	vijay gondhalekar	ORG
fsr-3222	349	3	olivia mitchell	PERSON
fsr-3222	349	4	david mccarthy	PERSON
fsr-3222	349	5	the 21st	DATE
fsr-3222	349	6	annual	DATE
fsr-3222	349	7	sydney	GPE
fsr-3222	349	8	australia	GPE
fsr-3222	349	9	poznan	GPE
fsr-3222	349	10	poland	GPE
fsr-3222	349	11	2013	DATE
fsr-3222	349	12	european	NORP
fsr-3222	349	13	münster	GPE
fsr-3222	349	14	germany	GPE
fsr-3222	349	15	2015	CARDINAL
fsr-3222	349	16	western economic association international conference	ORG
fsr-3222	349	17	honolulu	GPE
fsr-3222	349	18	hawaii	GPE
fsr-3222	350	1	1	CARDINAL
fsr-3222	351	1	12b-1	CARDINAL
fsr-3222	351	2	sec	ORG
fsr-3222	352	1	appendix 2	PERSON
fsr-3222	354	1	1	CARDINAL
fsr-3222	354	2	2	CARDINAL
fsr-3222	356	1	english	LANGUAGE
fsr-3222	357	1	y or	PERSON
fsr-3222	358	1	5	CARDINAL
fsr-3222	358	2	60-day	DATE
fsr-3222	358	3	100	MONEY
fsr-3222	360	1	muller	ORG
fsr-3222	360	2	j.a. turner	ORG
fsr-3222	360	3	25	CARDINAL
fsr-3222	360	4	2016	CARDINAL
fsr-3222	360	5	215–234	CARDINAL
fsr-3222	360	6	the first year	DATE
fsr-3222	360	7	500,000	MONEY
fsr-3222	360	8	the year	DATE
fsr-3222	364	1	1 to 10	CARDINAL
fsr-3222	364	2	1	CARDINAL
fsr-3222	364	3	10	CARDINAL
fsr-3222	364	4	5a	CARDINAL
fsr-3222	365	1	6	CARDINAL
fsr-3222	366	1	annual	DATE
fsr-3222	366	2	quarterly	DATE
fsr-3222	368	1	annual	DATE
fsr-3222	368	2	2.00%	PERCENT
fsr-3222	368	3	1.65%	PERCENT
fsr-3222	368	4	1.25%	PERCENT
fsr-3222	368	5	1.00%	PERCENT
fsr-3222	368	6	$2 million	MONEY
fsr-3222	368	7	0.75%	PERCENT
fsr-3222	368	8	$7 million	MONEY
fsr-3222	368	9	0.60%	PERCENT
fsr-3222	368	10	$15 million	MONEY
fsr-3222	368	11	0.50%	PERCENT
fsr-3222	368	12	$25 million	MONEY
fsr-3222	368	13	the first year	DATE
fsr-3222	368	14	500,000	MONEY
fsr-3222	368	15	the year	DATE
fsr-3222	369	1	500,000	MONEY
fsr-3222	373	1	1 to 10	CARDINAL
fsr-3222	373	2	1	CARDINAL
fsr-3222	373	3	10	CARDINAL
fsr-3222	373	4	6a	CARDINAL
fsr-3222	374	1	j., & jäger, s. (	ORG
fsr-3222	374	2	2015	DATE
fsr-3222	376	1	american economic journal: economic policy	ORG
fsr-3222	376	2	7	CARDINAL
fsr-3222	376	3	1–28	CARDINAL
fsr-3222	377	1	allgood	ORG
fsr-3222	377	2	s.	GPE
fsr-3222	377	3	bosshardt	PERSON
fsr-3222	377	4	w.	PERSON
fsr-3222	377	5	van der klaauw	PERSON
fsr-3222	377	6	w., & watts	ORG
fsr-3222	377	7	m. (2011	PERSON
fsr-3222	379	1	49	DATE
fsr-3222	379	2	771–794	DATE
fsr-3222	380	1	k.	PERSON
fsr-3222	380	2	c. s.	PERSON
fsr-3222	380	3	h. d.	PERSON
fsr-3222	380	4	2002	DATE
fsr-3222	382	1	11	CARDINAL
fsr-3222	382	2	blackrock	GPE
fsr-3222	383	1	2013	DATE
fsr-3222	386	1	bricker	PERSON
fsr-3222	386	2	j.	PERSON
fsr-3222	386	3	a.	PERSON
fsr-3222	386	4	moore	PERSON
fsr-3222	386	5	k., & sabelhaus	ORG
fsr-3222	386	6	j. (	PERSON
fsr-3222	386	7	2012	DATE
fsr-3222	387	1	u.s.	GPE
fsr-3222	387	2	2007	DATE
fsr-3222	387	3	2010	DATE
fsr-3222	388	1	federal reserve bulletin	ORG
fsr-3222	388	2	98	CARDINAL
fsr-3222	389	1	carlin	GPE
fsr-3222	389	2	b.	PERSON
fsr-3222	389	3	2009	DATE
fsr-3222	391	1	journal of financial economics	ORG
fsr-3222	391	2	91	CARDINAL
fsr-3222	392	1	j.j.	GPE
fsr-3222	392	2	laibson	GPE
fsr-3222	392	3	d., & madrian	ORG
fsr-3222	392	4	2010	DATE
fsr-3222	393	1	one	CARDINAL
fsr-3222	395	1	23	CARDINAL
fsr-3222	395	2	1405–1432	CARDINAL
fsr-3222	396	1	dale	ORG
fsr-3222	396	2	e., & chall	ORG
fsr-3222	396	3	j. (1948	PERSON
fsr-3222	398	1	11–20	CARDINAL
fsr-3222	398	2	232	CARDINAL
fsr-3222	399	1	muller	ORG
fsr-3222	399	2	j.a. turner	ORG
fsr-3222	399	3	25	CARDINAL
fsr-3222	399	4	2016	CARDINAL
fsr-3222	399	5	215–234	CARDINAL
fsr-3222	400	1	2013	DATE
fsr-3222	402	1	ellison	PERSON
fsr-3222	402	2	s.	PERSON
fsr-3222	402	3	2009	DATE
fsr-3222	404	1	econometrica	PERSON
fsr-3222	404	2	77	DATE
fsr-3222	404	3	427–452	CARDINAL
fsr-3222	405	1	ellison	PERSON
fsr-3222	405	2	a.	PERSON
fsr-3222	405	3	2012	DATE
fsr-3222	407	1	rand journal of economics	ORG
fsr-3222	407	2	43	DATE
fsr-3222	407	3	417–441	CARDINAL
fsr-3222	408	1	fidelity	ORG
fsr-3222	409	1	2013	DATE
fsr-3222	410	1	fidelity	ORG
fsr-3222	411	1	franklin templeton	PERSON
fsr-3222	412	1	2013	DATE
fsr-3222	414	1	r.	PERSON
fsr-3222	414	2	1952	DATE
fsr-3222	416	1	new york	GPE
fsr-3222	416	2	mcgraw-hill	ORG
fsr-3222	417	1	healy	PERSON
fsr-3222	417	2	1977	DATE
fsr-3222	419	1	219–222	CARDINAL
fsr-3222	420	1	ho, k., hogan	PERSON
fsr-3222	420	2	j., & morton	ORG
fsr-3222	420	3	f.	PERSON
fsr-3222	420	4	2015	DATE
fsr-3222	421	1	medicare	ORG
fsr-3222	422	1	nber working paper no	ORG
fsr-3222	422	2	21028	DATE
fsr-3222	423	1	a. a.	PERSON
fsr-3222	423	2	n.	ORG
fsr-3222	423	3	j., talley	ORG
fsr-3222	423	4	berrebi	GPE
fsr-3222	423	5	c., & suvankulov	ORG
fsr-3222	423	6	f.	PERSON
fsr-3222	423	7	2008	DATE
fsr-3222	425	1	lrn-rand center for corporate ethics	ORG
fsr-3222	425	2	the rand institute for civil justice	ORG
fsr-3222	425	3	the u.s. securities and exchange commission	ORG
fsr-3222	425	4	sec	ORG
fsr-3222	425	5	pdf	ORG
fsr-3222	426	1	canada	GPE
fsr-3222	427	1	2004	DATE
fsr-3222	428	1	may 28	DATE
fsr-3222	429	1	lachance	PERSON
fsr-3222	429	2	2012	DATE
fsr-3222	431	1	21	CARDINAL
fsr-3222	431	2	209–226	DATE
fsr-3222	432	1	li	PERSON
fsr-3222	432	2	2008	DATE
fsr-3222	433	1	annual	DATE
fsr-3222	434	1	45	CARDINAL
fsr-3222	434	2	221–247	CARDINAL
fsr-3222	435	1	t. & mcdonald	ORG
fsr-3222	435	2	b.	PERSON
fsr-3222	435	3	2013	DATE
fsr-3222	436	1	http://	CARDINAL
fsr-3222	437	1	lusardi	PERSON
fsr-3222	437	2	a., & mitchell	ORG
fsr-3222	437	3	2007	DATE
fsr-3222	439	1	journal of monetary economics	ORG
fsr-3222	439	2	54	DATE
fsr-3222	439	3	205–224	CARDINAL
fsr-3222	440	1	lusardi	PERSON
fsr-3222	440	2	a., & mitchell	ORG
fsr-3222	440	3	2008	DATE
fsr-3222	442	1	13750	DATE
fsr-3222	442	2	january	DATE
fsr-3222	443	1	lusardi	PERSON
fsr-3222	443	2	a., & mitchell	ORG
fsr-3222	443	3	2011	DATE
fsr-3222	445	1	nber working paper no. 17107	ORG
fsr-3222	447	1	maxey	GPE
fsr-3222	447	2	2011	DATE
fsr-3222	448	1	the wall street journal	ORG
fsr-3222	448	2	december 12	DATE
fsr-3222	449	1	2010	DATE
fsr-3222	451	1	19	CARDINAL
fsr-3222	451	2	307–322	CARDINAL
fsr-3222	451	3	56e3e.pdf	CARDINAL
fsr-3222	452	1	mccarthy	PERSON
fsr-3222	452	2	d., & turner	ORG
fsr-3222	452	3	j.(2000	NORP
fsr-3222	455	1	quarterly	DATE
fsr-3222	455	2	16	CARDINAL
fsr-3222	457	1	2013a	DATE
fsr-3222	458	1	http://www.readabilityformulas.com/flesch-grade-level-readability-formula.php	GPE
fsr-3222	460	1	2013b	DATE
fsr-3222	461	1	free dale-chall	PERSON
fsr-3222	462	1	roth	PERSON
fsr-3222	462	2	a.	PERSON
fsr-3222	462	3	2012	DATE
fsr-3222	463	1	morningstar	PERSON
fsr-3222	463	2	ten	CARDINAL
fsr-3222	464	1	july 9	DATE
fsr-3222	465	1	b.	PERSON
fsr-3222	465	2	2003	DATE
fsr-3222	467	1	july-august	DATE
fsr-3222	467	2	18–24	DATE
fsr-3222	468	1	smith, m., & taffler	ORG
fsr-3222	468	2	r. j.(1992	PERSON
fsr-3222	470	1	32	CARDINAL
fsr-3222	471	1	smith, m., & taffler	ORG
fsr-3222	471	2	r. j.	PERSON
fsr-3222	471	3	2000	DATE
fsr-3222	473	1	13	CARDINAL
fsr-3222	473	2	624–647	CARDINAL
fsr-3222	474	1	smith	ORG
fsr-3222	474	2	j. e., & smith	PERSON
fsr-3222	474	3	n. p.(1971	PERSON
fsr-3222	476	1	46	DATE
fsr-3222	476	2	552–561	CARDINAL
fsr-3222	478	1	j.a. turner	ORG
fsr-3222	478	2	25	CARDINAL
fsr-3222	478	3	2016	CARDINAL
fsr-3222	478	4	215–234	CARDINAL
fsr-3222	480	1	19	CARDINAL
fsr-3222	480	2	125–144	CARDINAL
fsr-3222	481	1	stumpff, a.	PERSON
fsr-3222	481	2	2013	DATE
fsr-3222	483	1	university of michigan	ORG
fsr-3222	484	1	t. rowe price	ORG
fsr-3222	485	1	2013	DATE
fsr-3222	486	1	http://individual.troweprice.com/public/retail/	ORG
fsr-3222	487	1	u.s.	GPE
fsr-3222	487	2	gao	PERSON
fsr-3222	488	1	2013	DATE
fsr-3222	489	1	irs	ORG
fsr-3222	490	1	vanguard	PERSON
fsr-3222	491	1	2013	DATE
fsr-3222	492	1	vanguard asset management services	ORG
fsr-3222	493	1	j. (	PERSON
fsr-3222	493	2	2008	DATE
fsr-3222	494	1	50	CARDINAL
fsr-3222	494	2	2008	DATE
fsr-3222	496	1	wells fargo	ORG
fsr-3222	497	1	2013	DATE
fsr-3222	498	1	wells fargo advisors’ services	ORG
fsr-3222	498	2	today	DATE
fsr-3222	499	1	wilson	PERSON
fsr-3222	499	2	c.	PERSON
fsr-3222	499	3	2010	DATE
fsr-3222	501	1	28	CARDINAL
fsr-3222	501	2	496–506	CARDINAL
fsr-3222	501	3	234	CARDINAL
fsr-3222	501	4	muller	ORG
fsr-3222	501	5	j.a. turner	ORG
fsr-3222	501	6	25	CARDINAL
fsr-3222	501	7	2016	CARDINAL
fsr-3222	501	8	215–234	CARDINAL