id	sid	eid	entity	type
fsr-3244	1	1	second	ORDINAL
fsr-3244	1	2	paul j. haensly	PERSON
fsr-3244	1	3	ph.d.a	ORG
fsr-3244	1	4	k. prakash pai	PERSON
fsr-3244	1	5	ph.d.a	ORG
fsr-3244	1	6	the university of texas	ORG
fsr-3244	1	7	the permian basin	LOC
fsr-3244	1	8	4901	CARDINAL
fsr-3244	1	9	e. university blvd.	ORG
fsr-3244	1	10	odessa	GPE
fsr-3244	1	11	tx	ORG
fsr-3244	1	12	79762-0001	DATE
fsr-3244	1	13	2009	DATE
fsr-3244	1	14	5%	PERCENT
fsr-3244	2	1	three	CARDINAL
fsr-3244	5	1	2015	CARDINAL
fsr-3244	5	2	academy of financial services	ORG
fsr-3244	7	1	jel classification	ORG
fsr-3244	7	2	1	CARDINAL
fsr-3244	7	3	first	ORDINAL
fsr-3244	7	4	two	CARDINAL
fsr-3244	8	1	shankar	PERSON
fsr-3244	8	2	2009	DATE
fsr-3244	9	1	shankar	PERSON
fsr-3244	10	1	1-432	CARDINAL
fsr-3244	11	1	j. haensly	PERSON
fsr-3244	11	2	24	CARDINAL
fsr-3244	12	1	359–386	CARDINAL
fsr-3244	12	2	2015	CARDINAL
fsr-3244	12	3	academy of financial services	ORG
fsr-3244	15	1	shankar	PERSON
fsr-3244	15	2	years	DATE
fsr-3244	17	1	annual	DATE
fsr-3244	17	2	each year	DATE
fsr-3244	18	1	shankar	PERSON
fsr-3244	18	2	2009	DATE
fsr-3244	18	3	annual	DATE
fsr-3244	19	1	4%	PERCENT
fsr-3244	20	1	2009	DATE
fsr-3244	23	1	55 to 75 years	DATE
fsr-3244	23	2	just 60	CARDINAL
fsr-3244	23	3	10 to 30 years	DATE
fsr-3244	24	1	monthly	DATE
fsr-3244	25	1	years	DATE
fsr-3244	25	2	shankar	ORG
fsr-3244	26	1	monthly	DATE
fsr-3244	29	1	shankar	PERSON
fsr-3244	29	2	2009	DATE
fsr-3244	31	1	shankar	ORG
fsr-3244	31	2	2009	DATE
fsr-3244	34	1	shankar	ORG
fsr-3244	34	2	2009	DATE
fsr-3244	35	1	first	ORDINAL
fsr-3244	35	2	360	CARDINAL
fsr-3244	35	3	p.j.	GPE
fsr-3244	35	4	k.p. pai	PERSON
fsr-3244	35	5	24	CARDINAL
fsr-3244	35	6	2015	CARDINAL
fsr-3244	35	7	359–386	CARDINAL
fsr-3244	36	1	shankar	PERSON
fsr-3244	38	1	second	ORDINAL
fsr-3244	38	2	shankar	PERSON
fsr-3244	38	3	2009	DATE
fsr-3244	40	1	as much as 0.5%	PERCENT
fsr-3244	41	1	as much as 0.25%	PERCENT
fsr-3244	44	1	third	ORDINAL
fsr-3244	44	2	20 to 30%	PERCENT
fsr-3244	44	3	2009	DATE
fsr-3244	46	1	2	CARDINAL
fsr-3244	46	2	two	CARDINAL
fsr-3244	48	1	cooley, hubbard	ORG
fsr-3244	48	2	2003	DATE
fsr-3244	49	1	milevsky & robinson	ORG
fsr-3244	49	2	2005	DATE
fsr-3244	50	1	ervin	ORG
fsr-3244	50	2	faulk	ORG
fsr-3244	50	3	2009	DATE
fsr-3244	52	1	2008	DATE
fsr-3244	52	2	2008	DATE
fsr-3244	52	3	gupta	GPE
fsr-3244	52	4	pavlik	PERSON
fsr-3244	52	5	synn	GPE
fsr-3244	52	6	2012	DATE
fsr-3244	54	1	shankar	PERSON
fsr-3244	54	2	2009	DATE
fsr-3244	56	1	shankar	PERSON
fsr-3244	57	1	2012	DATE
fsr-3244	58	1	361p.j	CARDINAL
fsr-3244	59	1	haensly	PERSON
fsr-3244	59	2	k.p. pai	PERSON
fsr-3244	59	3	24	CARDINAL
fsr-3244	59	4	2015	CARDINAL
fsr-3244	59	5	359–386	CARDINAL
fsr-3244	61	1	bernheim	GPE
fsr-3244	61	2	1991	DATE
fsr-3244	62	1	less than two	CARDINAL
fsr-3244	62	2	2009	DATE
fsr-3244	64	1	3	CARDINAL
fsr-3244	64	2	shankar	PERSON
fsr-3244	64	3	2009	DATE
fsr-3244	66	1	3.1	CARDINAL
fsr-3244	66	2	2009	DATE
fsr-3244	68	1	each year	DATE
fsr-3244	68	2	first	ORDINAL
fsr-3244	68	3	second	ORDINAL
fsr-3244	69	1	annual	DATE
fsr-3244	69	2	annual	DATE
fsr-3244	70	1	one	CARDINAL
fsr-3244	70	2	2006	DATE
fsr-3244	74	1	monthly	DATE
fsr-3244	74	2	annual	DATE
fsr-3244	75	1	the year	DATE
fsr-3244	76	1	3.2	CARDINAL
fsr-3244	77	1	ipaf	ORG
fsr-3244	77	2	one-dollar	MONEY
fsr-3244	78	1	section 10.6	LAW
fsr-3244	78	2	milevsky	GPE
fsr-3244	78	3	2006	DATE
fsr-3244	79	1	ipaf	ORG
fsr-3244	80	1	milevsky	ORG
fsr-3244	81	1	362	CARDINAL
fsr-3244	81	2	p.j.	GPE
fsr-3244	81	3	k.p. pai	PERSON
fsr-3244	81	4	24	CARDINAL
fsr-3244	81	5	2015	CARDINAL
fsr-3244	81	6	359–386	CARDINAL
fsr-3244	82	1	one-dollar	MONEY
fsr-3244	83	1	monthly	DATE
fsr-3244	83	2	monthly	DATE
fsr-3244	84	1	milevsky	ORG
fsr-3244	84	2	2006	DATE
fsr-3244	85	1	6.14	CARDINAL
fsr-3244	86	1	milevsky	PERSON
fsr-3244	87	1	3.3	CARDINAL
fsr-3244	88	1	first	ORDINAL
fsr-3244	88	2	one month	DATE
fsr-3244	89	1	2009	DATE
fsr-3244	89	2	annual	DATE
fsr-3244	90	1	monthly	DATE
fsr-3244	90	2	1	CARDINAL
fsr-3244	90	3	1	CARDINAL
fsr-3244	90	4	fda	ORG
fsr-3244	90	5	1	CARDINAL
fsr-3244	90	6	w	ORG
fsr-3244	90	7	wtl	PERSON
fsr-3244	90	8	fda	ORG
fsr-3244	91	1	2%	PERCENT
fsr-3244	92	1	n-year	DATE
fsr-3244	92	2	the first n years	DATE
fsr-3244	93	1	the first year	DATE
fsr-3244	93	2	the first year	DATE
fsr-3244	94	1	each remaining year	DATE
fsr-3244	94	2	the start of that year	DATE
fsr-3244	95	1	year two	DATE
fsr-3244	95	2	the first year	DATE
fsr-3244	95	3	year three	DATE
fsr-3244	95	4	the second year	DATE
fsr-3244	96	1	2009	DATE
fsr-3244	97	1	one-month	DATE
fsr-3244	97	2	treasury	ORG
fsr-3244	97	3	over month to month	DATE
fsr-3244	98	1	monthly	DATE
fsr-3244	99	1	12	CARDINAL
fsr-3244	101	1	annual	DATE
fsr-3244	101	2	1	CARDINAL
fsr-3244	101	3	11	CARDINAL
fsr-3244	102	1	2	CARDINAL
fsr-3244	102	2	appendix	NORP
fsr-3244	103	1	shankar	PERSON
fsr-3244	103	2	2009	DATE
fsr-3244	103	3	67	CARDINAL
fsr-3244	104	1	363p.j	CARDINAL
fsr-3244	105	1	haensly	PERSON
fsr-3244	105	2	k.p. pai	PERSON
fsr-3244	105	3	24	CARDINAL
fsr-3244	105	4	2015	CARDINAL
fsr-3244	105	5	359–386	CARDINAL
fsr-3244	109	1	3.4	CARDINAL
fsr-3244	110	1	0	CARDINAL
fsr-3244	110	2	3	CARDINAL
fsr-3244	110	3	1	CARDINAL
fsr-3244	110	4	0	CARDINAL
fsr-3244	110	5	4	CARDINAL
fsr-3244	112	1	5	CARDINAL
fsr-3244	113	1	1,000	MONEY
fsr-3244	113	2	10,000	MONEY
fsr-3244	117	1	eqs	ORG
fsr-3244	118	1	3	CARDINAL
fsr-3244	118	2	5	CARDINAL
fsr-3244	119	1	0	CARDINAL
fsr-3244	120	1	zero dollar	MONEY
fsr-3244	123	1	1 tu	QUANTITY
fsr-3244	123	2	6	CARDINAL
fsr-3244	123	3	364	CARDINAL
fsr-3244	123	4	k.p. pai	PERSON
fsr-3244	123	5	24	CARDINAL
fsr-3244	124	1	359–386	CARDINAL
fsr-3244	124	2	one-month	DATE
fsr-3244	124	3	months	DATE
fsr-3244	124	4	month	DATE
fsr-3244	125	1	4.	CARDINAL
fsr-3244	125	2	4.1	CARDINAL
fsr-3244	127	1	every month	DATE
fsr-3244	128	1	the u.s. treasury	ORG
fsr-3244	128	2	2010–2013	CARDINAL
fsr-3244	129	1	5-year	DATE
fsr-3244	129	2	april, august	DATE
fsr-3244	129	3	december	DATE
fsr-3244	129	4	10-year	DATE
fsr-3244	129	5	january, march	DATE
fsr-3244	129	6	july	DATE
fsr-3244	129	7	september	DATE
fsr-3244	129	8	november	DATE
fsr-3244	129	9	30-year	DATE
fsr-3244	129	10	february, june	DATE
fsr-3244	129	11	october	DATE
fsr-3244	130	1	any given month	DATE
fsr-3244	131	1	treasury	ORG
fsr-3244	135	1	a given calendar month	DATE
fsr-3244	135	2	third	ORDINAL
fsr-3244	135	3	month	DATE
fsr-3244	136	1	the auction month	DATE
fsr-3244	136	2	july	DATE
fsr-3244	136	3	july 1	DATE
fsr-3244	136	4	april	DATE
fsr-3244	136	5	midmonth	DATE
fsr-3244	136	6	two and a half months	DATE
fsr-3244	137	1	three months	DATE
fsr-3244	138	1	three months	DATE
fsr-3244	140	1	as much as 2%	PERCENT
fsr-3244	140	2	2005	DATE
fsr-3244	140	3	2005	DATE
fsr-3244	141	1	2%	PERCENT
fsr-3244	141	2	100	MONEY
fsr-3244	142	1	4.2	CARDINAL
fsr-3244	143	1	zero	CARDINAL
fsr-3244	143	2	1997	DATE
fsr-3244	144	1	the united states	GPE
fsr-3244	144	2	zero	CARDINAL
fsr-3244	146	1	1926–2012	CARDINAL
fsr-3244	146	2	365p.j	CARDINAL
fsr-3244	147	1	haensly	PERSON
fsr-3244	147	2	k.p. pai	PERSON
fsr-3244	147	3	24	CARDINAL
fsr-3244	147	4	2015	CARDINAL
fsr-3244	147	5	359–386	CARDINAL
fsr-3244	147	6	2013	DATE
fsr-3244	147	7	the federal reserve bank	ORG
fsr-3244	147	8	st.	GPE
fsr-3244	147	9	2013	DATE
fsr-3244	147	10	morningstar	PERSON
fsr-3244	147	11	2013	DATE
fsr-3244	148	1	three	CARDINAL
fsr-3244	149	1	first	ORDINAL
fsr-3244	149	2	semiannual	DATE
fsr-3244	149	3	monthly	DATE
fsr-3244	149	4	one month to six months	DATE
fsr-3244	149	5	six-month	DATE
fsr-3244	149	6	month six	DATE
fsr-3244	149	7	30 years	DATE
fsr-3244	150	1	the u.s. treasury	ORG
fsr-3244	150	2	months february 1977 and later	DATE
fsr-3244	151	1	earlier historical months	DATE
fsr-3244	152	1	linear	ORG
fsr-3244	152	2	earlier historical months	DATE
fsr-3244	153	1	second	ORDINAL
fsr-3244	153	2	zero	CARDINAL
fsr-3244	153	3	each month	DATE
fsr-3244	154	1	2011	DATE
fsr-3244	157	1	third	ORDINAL
fsr-3244	157	2	monthly	DATE
fsr-3244	157	3	six-month	DATE
fsr-3244	157	4	zero	CARDINAL
fsr-3244	158	1	zero	CARDINAL
fsr-3244	158	2	each historical month	DATE
fsr-3244	158	3	monthly	DATE
fsr-3244	160	1	1975	DATE
fsr-3244	160	2	one-month	DATE
fsr-3244	161	1	one year	DATE
fsr-3244	161	2	kothari	PERSON
fsr-3244	161	3	2004	DATE
fsr-3244	162	1	treasury	ORG
fsr-3244	162	2	the most recent month	DATE
fsr-3244	164	1	each simulated month	DATE
fsr-3244	164	2	one month to 30 years	DATE
fsr-3244	164	3	one-month	DATE
fsr-3244	165	1	the simulated month	DATE
fsr-3244	165	2	one-month	DATE
fsr-3244	165	3	one-year	DATE
fsr-3244	165	4	two-year	DATE
fsr-3244	165	5	three-year	DATE
fsr-3244	166	1	less than three years	DATE
fsr-3244	166	2	one-month	DATE
fsr-3244	166	3	one-year	DATE
fsr-3244	166	4	two-year	DATE
fsr-3244	166	5	three-year	DATE
fsr-3244	167	1	three-year	DATE
fsr-3244	168	1	zero	CARDINAL
fsr-3244	169	1	zero	CARDINAL
fsr-3244	170	1	zero	CARDINAL
fsr-3244	170	2	months	DATE
fsr-3244	171	1	zero	CARDINAL
fsr-3244	171	2	months	DATE
fsr-3244	172	1	two	CARDINAL
fsr-3244	172	2	7a	CARDINAL
fsr-3244	172	3	366	CARDINAL
fsr-3244	173	1	k.p. pai	PERSON
fsr-3244	173	2	24	CARDINAL
fsr-3244	173	3	359–386	CARDINAL
fsr-3244	173	4	7b	CARDINAL
fsr-3244	173	5	zero	CARDINAL
fsr-3244	173	6	months	DATE
fsr-3244	173	7	months	DATE
fsr-3244	175	1	bodie	GPE
fsr-3244	175	2	triest	ORG
fsr-3244	175	3	wang	PERSON
fsr-3244	175	4	2010	DATE
fsr-3244	175	5	bekaert	PERSON
fsr-3244	175	6	wang	PERSON
fsr-3244	175	7	2010	DATE
fsr-3244	175	8	kothari	PERSON
fsr-3244	175	9	2004	DATE
fsr-3244	178	1	7b	CARDINAL
fsr-3244	180	1	7a	CARDINAL
fsr-3244	181	1	7b	CARDINAL
fsr-3244	182	1	zero	CARDINAL
fsr-3244	184	1	8)	CARDINAL
fsr-3244	184	2	two	CARDINAL
fsr-3244	184	3	treasury	ORG
fsr-3244	185	1	zero	CARDINAL
fsr-3244	185	2	d’amico	GPE
fsr-3244	185	3	kim	PERSON
fsr-3244	185	4	wei	PERSON
fsr-3244	185	5	2008	DATE
fsr-3244	185	6	christensen	PERSON
fsr-3244	185	7	gillan	PERSON
fsr-3244	185	8	2011	DATE
fsr-3244	186	1	1990–2007	DATE
fsr-3244	186	2	d’amico	GPE
fsr-3244	186	3	kim	PERSON
fsr-3244	186	4	wei	PERSON
fsr-3244	186	5	2008	DATE
fsr-3244	187	1	2c	CARDINAL
fsr-3244	188	1	3c	CARDINAL
fsr-3244	189	1	about 0.25%	PERCENT
fsr-3244	189	2	one-year	DATE
fsr-3244	189	3	about 0.75%	PERCENT
fsr-3244	189	4	10-year	DATE
fsr-3244	190	1	linear	ORG
fsr-3244	190	2	one to 10 years	DATE
fsr-3244	191	1	less than one year	DATE
fsr-3244	191	2	between a zero	CARDINAL
fsr-3244	191	3	0.25%	PERCENT
fsr-3244	191	4	one year	DATE
fsr-3244	192	1	greater than 10 years	DATE
fsr-3244	192	2	0.75%	PERCENT
fsr-3244	193	1	treasury	ORG
fsr-3244	193	2	each simulated month	DATE
fsr-3244	193	3	evans	ORG
fsr-3244	193	4	1998	DATE
fsr-3244	194	1	4.3	CARDINAL
fsr-3244	196	1	367p.j	CARDINAL
fsr-3244	197	1	haensly	PERSON
fsr-3244	197	2	k.p. pai	PERSON
fsr-3244	197	3	24	CARDINAL
fsr-3244	197	4	2015	CARDINAL
fsr-3244	198	1	359–386	CARDINAL
fsr-3244	198	2	10,000	CARDINAL
fsr-3244	201	1	a historical month	DATE
fsr-3244	201	2	1926 to 2012	DATE
fsr-3244	201	3	zero	CARDINAL
fsr-3244	202	1	each month	DATE
fsr-3244	203	1	1/	CARDINAL
fsr-3244	203	2	the next month	DATE
fsr-3244	204	1	the previous historical month	DATE
fsr-3244	204	2	december 2012	DATE
fsr-3244	204	3	january 1926	DATE
fsr-3244	205	1	months	DATE
fsr-3244	206	1	60	CARDINAL
fsr-3244	207	1	72	CARDINAL
fsr-3244	208	1	three	CARDINAL
fsr-3244	210	1	1,200	CARDINAL
fsr-3244	210	2	months	DATE
fsr-3244	213	1	lifetime	DATE
fsr-3244	214	1	each simulated month	DATE
fsr-3244	215	1	one month	DATE
fsr-3244	219	1	first	ORDINAL
fsr-3244	221	1	one eighth	CARDINAL
fsr-3244	221	2	0.125%	PERCENT
fsr-3244	222	1	360 months	DATE
fsr-3244	223	1	500,000	MONEY
fsr-3244	226	1	2014	DATE
fsr-3244	226	2	2014	DATE
fsr-3244	227	1	368	CARDINAL
fsr-3244	227	2	p.j.	GPE
fsr-3244	227	3	k.p. pai	PERSON
fsr-3244	227	4	24	CARDINAL
fsr-3244	227	5	359–386 5	DATE
fsr-3244	227	6	5.1	CARDINAL
fsr-3244	228	1	section 3.3	LAW
fsr-3244	230	1	three	CARDINAL
fsr-3244	231	1	first	ORDINAL
fsr-3244	232	1	second	ORDINAL
fsr-3244	236	1	first	ORDINAL
fsr-3244	236	2	three	CARDINAL
fsr-3244	236	3	1	CARDINAL
fsr-3244	239	1	10-year	DATE
fsr-3244	240	1	age 65	DATE
fsr-3244	240	2	10-year	DATE
fsr-3244	240	3	5.45%	PERCENT
fsr-3244	240	4	5.65%	PERCENT
fsr-3244	240	5	5th	ORDINAL
fsr-3244	240	6	4.66%	PERCENT
fsr-3244	240	7	4.80%	PERCENT
fsr-3244	240	8	95th	ORDINAL
fsr-3244	240	9	8.31%	PERCENT
fsr-3244	240	10	8.80%	PERCENT
fsr-3244	241	1	5th	ORDINAL
fsr-3244	241	2	95th	ORDINAL
fsr-3244	244	1	1	CARDINAL
fsr-3244	246	1	369p.j	CARDINAL
fsr-3244	247	1	haensly	ORG
fsr-3244	247	2	k.p. pai	PERSON
fsr-3244	247	3	24	CARDINAL
fsr-3244	247	4	2015	CARDINAL
fsr-3244	247	5	359–386	CARDINAL
fsr-3244	248	1	three	CARDINAL
fsr-3244	248	2	1	CARDINAL
fsr-3244	249	1	age 65	DATE
fsr-3244	249	2	10-year	DATE
fsr-3244	249	3	6.70%	PERCENT
fsr-3244	249	4	5.65%	PERCENT
fsr-3244	249	5	5th	ORDINAL
fsr-3244	249	6	5.47%	PERCENT
fsr-3244	249	7	4.80%	PERCENT
fsr-3244	249	8	95th	ORDINAL
fsr-3244	249	9	10.18%	PERCENT
fsr-3244	249	10	8.80%	PERCENT
fsr-3244	257	1	1	CARDINAL
fsr-3244	257	2	annual	DATE
fsr-3244	257	3	age (years	DATE
fsr-3244	257	4	5%-tile median	MONEY
fsr-3244	257	5	95%-tile 5%-tile median	MONEY
fsr-3244	257	6	3.44	CARDINAL
fsr-3244	257	7	7.40	CARDINAL
fsr-3244	257	8	10-year	DATE
fsr-3244	257	9	3.40	CARDINAL
fsr-3244	257	10	15-year	DATE
fsr-3244	257	11	20-year	DATE
fsr-3244	257	12	25-year	DATE
fsr-3244	257	13	3.15 3.92	CARDINAL
fsr-3244	257	14	7.03	CARDINAL
fsr-3244	257	15	30-year	DATE
fsr-3244	258	1	2.99	CARDINAL
fsr-3244	258	2	6.55 60	CARDINAL
fsr-3244	258	3	4.01	CARDINAL
fsr-3244	258	4	60	CARDINAL
fsr-3244	258	5	10-year	DATE
fsr-3244	258	6	3.95	CARDINAL
fsr-3244	258	7	15-year	DATE
fsr-3244	258	8	3.86	CARDINAL
fsr-3244	258	9	20-year	DATE
fsr-3244	258	10	25-year	DATE
fsr-3244	258	11	3.47	CARDINAL
fsr-3244	258	12	4.48	CARDINAL
fsr-3244	258	13	7.07 65	CARDINAL
fsr-3244	258	14	4.80	CARDINAL
fsr-3244	258	15	8.80	MONEY
fsr-3244	258	16	10-year	DATE
fsr-3244	258	17	4.66	CARDINAL
fsr-3244	258	18	15-year	DATE
fsr-3244	258	19	4.46	CARDINAL
fsr-3244	258	20	20-year	DATE
fsr-3244	258	21	4.14	CARDINAL
fsr-3244	258	22	5.86	CARDINAL
fsr-3244	258	23	10-year	DATE
fsr-3244	258	24	5.57	CARDINAL
fsr-3244	258	25	15-year	DATE
fsr-3244	258	26	5.12 5.83	CARDINAL
fsr-3244	258	27	7.41	CARDINAL
fsr-3244	258	28	10-year	DATE
fsr-3244	258	29	6.68	CARDINAL
fsr-3244	258	30	8.22 11.07	CARDINAL
fsr-3244	258	31	annual	DATE
fsr-3244	259	1	one month	DATE
fsr-3244	260	1	three-month	DATE
fsr-3244	261	1	370	CARDINAL
fsr-3244	261	2	p.j.	GPE
fsr-3244	261	3	k.p. pai	PERSON
fsr-3244	261	4	24	CARDINAL
fsr-3244	261	5	359–386 5.1.2	CARDINAL
fsr-3244	263	1	2	CARDINAL
fsr-3244	265	1	zero	CARDINAL
fsr-3244	266	1	2	CARDINAL
fsr-3244	270	1	zero	CARDINAL
fsr-3244	272	1	2	CARDINAL
fsr-3244	272	2	linear	ORG
fsr-3244	272	3	first	ORDINAL
fsr-3244	272	4	three	CARDINAL
fsr-3244	273	1	r2	ORG
fsr-3244	273	2	90%	PERCENT
fsr-3244	275	1	2	CARDINAL
fsr-3244	275	2	annual	DATE
fsr-3244	275	3	age (years	DATE
fsr-3244	275	4	r2 intercept	ORG
fsr-3244	275	5	55 10	DATE
fsr-3244	275	6	3.54%	PERCENT
fsr-3244	275	7	0.654 89.6%	PERCENT
fsr-3244	275	8	4.90%	PERCENT
fsr-3244	275	9	0.755 70.2%	PERCENT
fsr-3244	275	10	15 3.39%	PERCENT
fsr-3244	275	11	0.647 94.3%	PERCENT
fsr-3244	275	12	4.40%	PERCENT
fsr-3244	275	13	0.680 82.3%	PERCENT
fsr-3244	275	14	20 3.22%	PERCENT
fsr-3244	275	15	0.647 97.1%	PERCENT
fsr-3244	275	16	3.90%	PERCENT
fsr-3244	275	17	0.644 90.7%	PERCENT
fsr-3244	275	18	25 3.02%	PERCENT
fsr-3244	275	19	0.646 98.1%	PERCENT
fsr-3244	275	20	3.44%	PERCENT
fsr-3244	275	21	0.634 95.1%	PERCENT
fsr-3244	275	22	30 2.81%	PERCENT
fsr-3244	275	23	0.651 98.3%	PERCENT
fsr-3244	275	24	3.02%	PERCENT
fsr-3244	275	25	0.640 96.8%	PERCENT
fsr-3244	275	26	60 10	DATE
fsr-3244	275	27	4.07%	PERCENT
fsr-3244	275	28	0.644 90.4%	PERCENT
fsr-3244	275	29	5.32%	PERCENT
fsr-3244	275	30	0.748 72.9%	PERCENT
fsr-3244	275	31	15 3.87%	PERCENT
fsr-3244	275	32	0.636 95.2%	PERCENT
fsr-3244	275	33	4.74%	PERCENT
fsr-3244	275	34	0.658 85.5%	PERCENT
fsr-3244	275	35	20 3.62%	PERCENT
fsr-3244	275	36	0.631 97.7%	PERCENT
fsr-3244	275	37	4.14%	PERCENT
fsr-3244	275	38	0.628 93.5%	PERCENT
fsr-3244	275	39	25 3.33%	PERCENT
fsr-3244	275	40	0.631 98.2%	PERCENT
fsr-3244	275	41	3.60%	PERCENT
fsr-3244	275	42	0.222 96.7%	PERCENT
fsr-3244	275	43	65 10	DATE
fsr-3244	275	44	4.74%	PERCENT
fsr-3244	275	45	0.638 92.0%	PERCENT
fsr-3244	275	46	5.90%	PERCENT
fsr-3244	275	47	0.713 76.7%	PERCENT
fsr-3244	275	48	15 4.44%	PERCENT
fsr-3244	275	49	0.620 96.3%	PERCENT
fsr-3244	275	50	5.15%	PERCENT
fsr-3244	275	51	0.626 88.8%	PERCENT
fsr-3244	275	52	20 4.05%	PERCENT
fsr-3244	275	53	0.615 98.2%	PERCENT
fsr-3244	275	54	4.39%	PERCENT
fsr-3244	275	55	0.608 95.7%	PERCENT
fsr-3244	275	56	70 10	DATE
fsr-3244	275	57	5.62%	PERCENT
fsr-3244	275	58	0.622 98.5%	PERCENT
fsr-3244	275	59	6.60%	PERCENT
fsr-3244	275	60	80.4%	PERCENT
fsr-3244	275	61	15 5.10%	PERCENT
fsr-3244	275	62	0.598 97.3%	PERCENT
fsr-3244	275	63	5.59%	PERCENT
fsr-3244	275	64	0.607 93.5%	PERCENT
fsr-3244	275	65	75 10	DATE
fsr-3244	275	66	6.71%	PERCENT
fsr-3244	275	67	0.606 95.9%	PERCENT
fsr-3244	275	68	7.46%	PERCENT
fsr-3244	275	69	0.639 86.2%	PERCENT
fsr-3244	275	70	annual	DATE
fsr-3244	276	1	one month	DATE
fsr-3244	277	1	three-month	DATE
fsr-3244	278	1	zero	CARDINAL
fsr-3244	278	2	one	CARDINAL
fsr-3244	280	1	haensly	PERSON
fsr-3244	280	2	k.p. pai	PERSON
fsr-3244	280	3	24	CARDINAL
fsr-3244	280	4	359–386	CARDINAL
fsr-3244	281	1	about 0.6	CARDINAL
fsr-3244	282	1	1%	PERCENT
fsr-3244	282	2	0.6%	PERCENT
fsr-3244	284	1	2	CARDINAL
fsr-3244	284	2	zero	CARDINAL
fsr-3244	286	1	7	CARDINAL
fsr-3244	290	1	2	CARDINAL
fsr-3244	291	1	fda	ORG
fsr-3244	291	2	ladder/	ORG
fsr-3244	291	3	zero	CARDINAL
fsr-3244	293	1	2	CARDINAL
fsr-3244	296	1	5.1.3	CARDINAL
fsr-3244	296	2	shankar	PERSON
fsr-3244	296	3	2009	DATE
fsr-3244	297	1	shankar	PERSON
fsr-3244	297	2	0%	PERCENT
fsr-3244	297	3	1%	PERCENT
fsr-3244	297	4	2%	PERCENT
fsr-3244	297	5	3%	PERCENT
fsr-3244	298	1	shankar	PERSON
fsr-3244	299	1	3	CARDINAL
fsr-3244	299	2	shankar	ORG
fsr-3244	299	3	2	CARDINAL
fsr-3244	300	1	2009	DATE
fsr-3244	301	1	age 65	DATE
fsr-3244	301	2	20-year	DATE
fsr-3244	302	1	3	CARDINAL
fsr-3244	302	2	about 0%	PERCENT
fsr-3244	303	1	shankar	ORG
fsr-3244	303	2	4.47%	PERCENT
fsr-3244	303	3	5th	ORDINAL
fsr-3244	303	4	4.14%	PERCENT
fsr-3244	304	1	about 1%	PERCENT
fsr-3244	305	1	shankar	GPE
fsr-3244	305	2	4.97%	PERCENT
fsr-3244	305	3	4.86%	PERCENT
fsr-3244	306	1	shankar	PERSON
fsr-3244	306	2	2009	DATE
fsr-3244	306	3	54	CARDINAL
fsr-3244	307	1	the 4%	PERCENT
fsr-3244	309	1	haensly	PERSON
fsr-3244	309	2	k.p. pai	PERSON
fsr-3244	309	3	24	CARDINAL
fsr-3244	309	4	2015	CARDINAL
fsr-3244	309	5	359–386	CARDINAL
fsr-3244	311	1	5th	ORDINAL
fsr-3244	311	2	less than 4%	PERCENT
fsr-3244	311	3	55	CARDINAL
fsr-3244	311	4	60	CARDINAL
fsr-3244	311	5	less than 4%	PERCENT
fsr-3244	311	6	age 55	DATE
fsr-3244	311	7	25 years	DATE
fsr-3244	312	1	first	ORDINAL
fsr-3244	312	2	two	CARDINAL
fsr-3244	312	3	1	CARDINAL
fsr-3244	313	1	2	CARDINAL
fsr-3244	314	1	age 65	DATE
fsr-3244	314	2	4%	PERCENT
fsr-3244	314	3	at least 0%	PERCENT
fsr-3244	315	1	3	CARDINAL
fsr-3244	315	2	annual	DATE
fsr-3244	315	3	shankar	PERSON
fsr-3244	315	4	2009	DATE
fsr-3244	315	5	age (years	DATE
fsr-3244	316	1	middle‡	PRODUCT
fsr-3244	316	2	60 20	CARDINAL
fsr-3244	316	3	4.23	CARDINAL
fsr-3244	316	4	3.86 4.37 5.20	MONEY
fsr-3244	316	5	3.69	CARDINAL
fsr-3244	316	6	5%-tile	CARDINAL
fsr-3244	316	7	3.62	CARDINAL
fsr-3244	316	8	4.43	CARDINAL
fsr-3244	316	9	4.25	CARDINAL
fsr-3244	316	10	5.15	CARDINAL
fsr-3244	316	11	75%-tile	CARDINAL
fsr-3244	316	12	5.20	CARDINAL
fsr-3244	316	13	e2.5) 65 15	DATE
fsr-3244	316	14	5.28	CARDINAL
fsr-3244	316	15	4.73	CARDINAL
fsr-3244	316	16	5.23 6.04	CARDINAL
fsr-3244	316	17	4.46	CARDINAL
fsr-3244	316	18	5%-tile	CARDINAL
fsr-3244	316	19	4.44	CARDINAL
fsr-3244	316	20	5.20	CARDINAL
fsr-3244	316	21	5.06	CARDINAL
fsr-3244	316	22	5.93	CARDINAL
fsr-3244	316	23	75%-tile	CARDINAL
fsr-3244	316	24	5.99	CARDINAL
fsr-3244	316	25	e2.5) 65 20	DATE
fsr-3244	316	26	4.59	CARDINAL
fsr-3244	316	27	4.35	CARDINAL
fsr-3244	316	28	5.66	CARDINAL
fsr-3244	316	29	4.14	CARDINAL
fsr-3244	316	30	5%-tile	CARDINAL
fsr-3244	316	31	4.05	CARDINAL
fsr-3244	316	32	4.86	CARDINAL
fsr-3244	316	33	4.66	CARDINAL
fsr-3244	316	34	5.53	CARDINAL
fsr-3244	316	35	75%-tile	CARDINAL
fsr-3244	316	36	5.59	CARDINAL
fsr-3244	317	1	one month	DATE
fsr-3244	318	1	annual	DATE
fsr-3244	319	1	annual	DATE
fsr-3244	319	2	0%	PERCENT
fsr-3244	319	3	1%	PERCENT
fsr-3244	319	4	2%	PERCENT
fsr-3244	319	5	3%	PERCENT
fsr-3244	320	1	2	CARDINAL
fsr-3244	321	1	10,000	CARDINAL
fsr-3244	322	1	†	DATE
fsr-3244	322	2	0%	PERCENT
fsr-3244	323	1	5%-tile	CARDINAL
fsr-3244	323	2	0%	PERCENT
fsr-3244	324	1	5%-tile	CARDINAL
fsr-3244	324	2	about 0.09%	PERCENT
fsr-3244	324	3	15-year	DATE
fsr-3244	324	4	about 0.14%	PERCENT
fsr-3244	324	5	20-year	DATE
fsr-3244	325	1	1%	PERCENT
fsr-3244	326	1	1%	PERCENT
fsr-3244	327	1	about 1.15%	PERCENT
fsr-3244	327	2	15-year	DATE
fsr-3244	327	3	about 1.32%	PERCENT
fsr-3244	327	4	20-year	DATE
fsr-3244	328	1	2%	PERCENT
fsr-3244	328	2	3%	PERCENT
fsr-3244	329	1	75%-tile	CARDINAL
fsr-3244	329	2	2.5%	PERCENT
fsr-3244	330	1	75%-tile	CARDINAL
fsr-3244	330	2	about 2.47%	PERCENT
fsr-3244	330	3	15-year	DATE
fsr-3244	330	4	about 2.55%	PERCENT
fsr-3244	330	5	20-year	DATE
fsr-3244	332	1	haensly	PERSON
fsr-3244	332	2	k.p. pai	PERSON
fsr-3244	332	3	24	CARDINAL
fsr-3244	333	1	359–386	CARDINAL
fsr-3244	334	1	shankar	PERSON
fsr-3244	334	2	2009	DATE
fsr-3244	334	3	2012	DATE
fsr-3244	335	1	annual	DATE
fsr-3244	336	1	annual	DATE
fsr-3244	336	2	12-month	DATE
fsr-3244	338	1	first	ORDINAL
fsr-3244	338	2	ladder/	ORG
fsr-3244	340	1	first	ORDINAL
fsr-3244	340	2	three	CARDINAL
fsr-3244	340	3	4	CARDINAL
fsr-3244	341	1	about 0.1%	PERCENT
fsr-3244	341	2	95th	ORDINAL
fsr-3244	341	3	about 0.75%	PERCENT
fsr-3244	342	1	4%	PERCENT
fsr-3244	342	2	annual	DATE
fsr-3244	342	3	20,000	MONEY
fsr-3244	342	4	500,000	MONEY
fsr-3244	342	5	0.75%	PERCENT
fsr-3244	342	6	about 19%	PERCENT
fsr-3244	342	7	annual	DATE
fsr-3244	342	8	3,750	MONEY
fsr-3244	344	1	about 5% to 15%	PERCENT
fsr-3244	345	1	only one ladder year	DATE
fsr-3244	346	1	age 65	DATE
fsr-3244	346	2	20-year	DATE
fsr-3244	346	3	86.78%	PERCENT
fsr-3244	346	4	12.74%	PERCENT
fsr-3244	346	5	one month	DATE
fsr-3244	346	6	0.48%	PERCENT
fsr-3244	346	7	two months	DATE
fsr-3244	348	1	annual	DATE
fsr-3244	348	2	shortly before that year	DATE
fsr-3244	349	1	one-month	DATE
fsr-3244	350	1	the end of a year	DATE
fsr-3244	351	1	0.25%	PERCENT
fsr-3244	352	1	three	CARDINAL
fsr-3244	352	2	4	CARDINAL
fsr-3244	353	1	three-month	DATE
fsr-3244	356	1	5th	ORDINAL
fsr-3244	357	1	12-month	DATE
fsr-3244	357	2	at least five percent	PERCENT
fsr-3244	359	1	12-month	DATE
fsr-3244	359	2	about 0.25%	PERCENT
fsr-3244	359	3	95th	ORDINAL
fsr-3244	359	4	about 0.5%	PERCENT
fsr-3244	360	1	374	CARDINAL
fsr-3244	360	2	k.p. pai	PERSON
fsr-3244	360	3	24	CARDINAL
fsr-3244	360	4	359–386 5.1.4.2	DATE
fsr-3244	364	1	4	CARDINAL
fsr-3244	367	1	about half	CARDINAL
fsr-3244	369	1	4	CARDINAL
fsr-3244	369	2	annual	DATE
fsr-3244	369	3	12-month	DATE
fsr-3244	369	4	age (years	DATE
fsr-3244	369	5	5%-tile median	MONEY
fsr-3244	369	6	95%-tile 5%-tile median	MONEY
fsr-3244	369	7	95%-tile 5%-tile median	MONEY
fsr-3244	369	8	95%-tile	CARDINAL
fsr-3244	369	9	55	CARDINAL
fsr-3244	369	10	0.00 0.11 0.42 0.00 0.00 0.40	QUANTITY
fsr-3244	369	11	0.03	CARDINAL
fsr-3244	369	12	0.00 0.10 0.61	QUANTITY
fsr-3244	369	13	0.00 0.00 0.56	QUANTITY
fsr-3244	369	14	0.04 0.08 0.20	MONEY
fsr-3244	369	15	0.00 0.00 0.56	QUANTITY
fsr-3244	369	16	0.05 0.06	CARDINAL
fsr-3244	369	17	0.07 0.05	CARDINAL
fsr-3244	369	18	0.00 0.00	QUANTITY
fsr-3244	369	19	0.00 0.00 0.47	QUANTITY
fsr-3244	370	1	0.00 0.09 0.67 0.00 0.00 0.61	QUANTITY
fsr-3244	370	2	0.05 0.07 0.21	MONEY
fsr-3244	370	3	0.07 0.06	CARDINAL
fsr-3244	370	4	0.06 0.08	CARDINAL
fsr-3244	370	5	0.00 0.07 0.73	QUANTITY
fsr-3244	370	6	0.00 0.00 0.67	QUANTITY
fsr-3244	370	7	0.08 0.07 0.23	MONEY
fsr-3244	370	8	0.10 0.05 0.20	MONEY
fsr-3244	370	9	0.00 0.11 0.61	QUANTITY
fsr-3244	370	10	0.09 0.08 0.28	QUANTITY
fsr-3244	370	11	0.13 0.07 0.30	CARDINAL
fsr-3244	370	12	55	CARDINAL
fsr-3244	370	13	0.00 2.98	CARDINAL
fsr-3244	370	14	0.00 1.04 4.16 0.00 0.00 0.55	QUANTITY
fsr-3244	370	15	0.00 1.38 4.44	QUANTITY
fsr-3244	370	16	0.00 2.73 5.72 0.00 0.00 0.63	QUANTITY
fsr-3244	370	17	0.00 2.07 5.60 0.00 0.00 0.69 0.12	QUANTITY
fsr-3244	371	1	one month	DATE
fsr-3244	372	1	three-month	DATE
fsr-3244	373	1	annual	DATE
fsr-3244	374	1	at least 12	CARDINAL
fsr-3244	376	1	haensly	PERSON
fsr-3244	376	2	k.p. pai	PERSON
fsr-3244	376	3	24	CARDINAL
fsr-3244	376	4	2015	CARDINAL
fsr-3244	376	5	359–386	CARDINAL
fsr-3244	376	6	the united states	GPE
fsr-3244	376	7	the last century	DATE
fsr-3244	377	1	10 to 30 years	DATE
fsr-3244	379	1	4	CARDINAL
fsr-3244	380	1	5.2	CARDINAL
fsr-3244	382	1	5	CARDINAL
fsr-3244	389	1	5	CARDINAL
fsr-3244	392	1	years	DATE
fsr-3244	397	1	5thand	CARDINAL
fsr-3244	397	2	95th	ORDINAL
fsr-3244	397	3	5	CARDINAL
fsr-3244	398	1	shankar	PERSON
fsr-3244	398	2	2009	DATE
fsr-3244	399	1	shankar	PERSON
fsr-3244	399	2	58	CARDINAL
fsr-3244	401	1	50%	PERCENT
fsr-3244	402	1	5	CARDINAL
fsr-3244	405	1	about 25%	PERCENT
fsr-3244	405	2	20-year	DATE
fsr-3244	405	3	age 55	DATE
fsr-3244	405	4	15-year	DATE
fsr-3244	405	5	age 65	DATE
fsr-3244	406	1	376	CARDINAL
fsr-3244	406	2	p.j.	GPE
fsr-3244	406	3	k.p. pai	PERSON
fsr-3244	406	4	24	CARDINAL
fsr-3244	406	5	359–386 5.3	CARDINAL
fsr-3244	407	1	5	CARDINAL
fsr-3244	408	1	5%-tile median	MONEY
fsr-3244	408	2	95%-tile 5%-tile median	MONEY
fsr-3244	408	3	95%-tile	CARDINAL
fsr-3244	408	4	55 30	DATE
fsr-3244	408	5	65 20	CARDINAL
fsr-3244	408	6	0.073	CARDINAL
fsr-3244	408	7	0.116 85	CARDINAL
fsr-3244	408	8	0.023	CARDINAL
fsr-3244	408	9	0.203 80	CARDINAL
fsr-3244	408	10	0.035	MONEY
fsr-3244	408	11	0.291	CARDINAL
fsr-3244	408	12	0.216 0.271 55	MONEY
fsr-3244	408	13	0.275	MONEY
fsr-3244	408	14	15	CARDINAL
fsr-3244	408	15	0.190	CARDINAL
fsr-3244	408	16	80	MONEY
fsr-3244	408	17	0.276	MONEY
fsr-3244	408	18	0.071	MONEY
fsr-3244	408	19	70	CARDINAL
fsr-3244	408	20	0.432	CARDINAL
fsr-3244	408	21	0.592	CARDINAL
fsr-3244	408	22	0.555	CARDINAL
fsr-3244	408	23	55	CARDINAL
fsr-3244	408	24	0.432	CARDINAL
fsr-3244	408	25	0.592	CARDINAL
fsr-3244	408	26	0.275	MONEY
fsr-3244	408	27	0.203 80	CARDINAL
fsr-3244	408	28	0.035	MONEY
fsr-3244	408	29	15	CARDINAL
fsr-3244	408	30	0.190	CARDINAL
fsr-3244	408	31	80	MONEY
fsr-3244	408	32	0.276	MONEY
fsr-3244	408	33	0.071	MONEY
fsr-3244	408	34	0.073	CARDINAL
fsr-3244	408	35	0.116 85	CARDINAL
fsr-3244	408	36	0.023	CARDINAL
fsr-3244	408	37	0.295	MONEY
fsr-3244	408	38	0.291	CARDINAL
fsr-3244	408	39	0.216 0.271	CARDINAL
fsr-3244	408	40	2009	DATE
fsr-3244	409	1	shankar	ORG
fsr-3244	409	2	2	CARDINAL
fsr-3244	409	3	1%	PERCENT
fsr-3244	410	1	about 1.15%	PERCENT
fsr-3244	410	2	15-year	DATE
fsr-3244	410	3	about 1.32%	PERCENT
fsr-3244	410	4	20-year	DATE
fsr-3244	412	1	haensly	PERSON
fsr-3244	412	2	k.p. pai	PERSON
fsr-3244	412	3	24	CARDINAL
fsr-3244	412	4	2015	CARDINAL
fsr-3244	412	5	359–386	CARDINAL
fsr-3244	412	6	zero	CARDINAL
fsr-3244	412	7	one	CARDINAL
fsr-3244	417	1	0.5	CARDINAL
fsr-3244	417	2	5.0	CARDINAL
fsr-3244	419	1	6	CARDINAL
fsr-3244	420	1	two	CARDINAL
fsr-3244	421	1	first	ORDINAL
fsr-3244	422	1	6	CARDINAL
fsr-3244	423	1	second	ORDINAL
fsr-3244	424	1	fig	ORG
fsr-3244	425	1	1	CARDINAL
fsr-3244	427	1	age 65	DATE
fsr-3244	427	2	at least 12 months	DATE
fsr-3244	428	1	20-year	DATE
fsr-3244	428	2	one month	DATE
fsr-3244	428	3	20-year	DATE
fsr-3244	429	1	378	CARDINAL
fsr-3244	429	2	k.p. pai	PERSON
fsr-3244	429	3	24	CARDINAL
fsr-3244	429	4	2015	CARDINAL
fsr-3244	429	5	359–386	CARDINAL
fsr-3244	429	6	6	CARDINAL
fsr-3244	429	7	7	CARDINAL
fsr-3244	432	1	10-year	DATE
fsr-3244	432	2	6	CARDINAL
fsr-3244	434	1	bernheim	GPE
fsr-3244	434	2	1991	DATE
fsr-3244	435	1	6	CARDINAL
fsr-3244	437	1	6	CARDINAL
fsr-3244	437	2	age (years	DATE
fsr-3244	437	3	0.5 1.0	CARDINAL
fsr-3244	437	4	3.0	CARDINAL
fsr-3244	437	5	0.25	CARDINAL
fsr-3244	437	6	0.25	CARDINAL
fsr-3244	438	1	three-month	DATE
fsr-3244	439	1	0.1	CARDINAL
fsr-3244	439	2	0.2	CARDINAL
fsr-3244	441	1	1.0	CARDINAL
fsr-3244	443	1	ladder/	ORG
fsr-3244	445	1	two	CARDINAL
fsr-3244	445	2	less than 0.10	CARDINAL
fsr-3244	447	1	haensly	PERSON
fsr-3244	447	2	k.p. pai	PERSON
fsr-3244	447	3	24	CARDINAL
fsr-3244	447	4	359–386	CARDINAL
fsr-3244	449	1	6	CARDINAL
fsr-3244	451	1	6	CARDINAL
fsr-3244	452	1	first	ORDINAL
fsr-3244	452	2	three	CARDINAL
fsr-3244	453	1	shankar	PERSON
fsr-3244	453	2	2009	DATE
fsr-3244	455	1	less than 4%	PERCENT
fsr-3244	456	1	above 4%	PERCENT
fsr-3244	456	2	age 65 or later	DATE
fsr-3244	459	1	7	CARDINAL
fsr-3244	459	2	age 65	DATE
fsr-3244	459	3	20-year	DATE
fsr-3244	459	4	0.5 205.52	CARDINAL
fsr-3244	459	5	0.76	CARDINAL
fsr-3244	459	6	1.27	CARDINAL
fsr-3244	459	7	4.98 91.09	CARDINAL
fsr-3244	459	8	1.99	CARDINAL
fsr-3244	459	9	27.41 61.67	CARDINAL
fsr-3244	459	10	12.24	CARDINAL
fsr-3244	459	11	13.25	MONEY
fsr-3244	459	12	83.14	CARDINAL
fsr-3244	459	13	40.76	CARDINAL
fsr-3244	459	14	1384.03	CARDINAL
fsr-3244	459	15	244.33	CARDINAL
fsr-3244	459	16	624.42 759.61	CARDINAL
fsr-3244	461	1	monthly	DATE
fsr-3244	463	1	†	DATE
fsr-3244	465	1	380	CARDINAL
fsr-3244	465	2	p.j.	GPE
fsr-3244	465	3	k.p. pai	PERSON
fsr-3244	465	4	24	CARDINAL
fsr-3244	465	5	359–386	CARDINAL
fsr-3244	467	1	30%	PERCENT
fsr-3244	468	1	age 65	DATE
fsr-3244	468	2	10-year	DATE
fsr-3244	468	3	19%	PERCENT
fsr-3244	468	4	44%	PERCENT
fsr-3244	469	1	below 30%	PERCENT
fsr-3244	471	1	shankar	PERSON
fsr-3244	478	1	monthly	DATE
fsr-3244	478	2	first	ORDINAL
fsr-3244	478	3	ipaf	ORG
fsr-3244	478	4	monthly	DATE
fsr-3244	479	1	milevsky	ORG
fsr-3244	479	2	2006	DATE
fsr-3244	480	1	6.3	CARDINAL
fsr-3244	482	1	1 d̃x exp	QUANTITY
fsr-3244	482	2	12	CARDINAL
fsr-3244	482	3	t(x	PERSON
fsr-3244	482	4	zero	CARDINAL
fsr-3244	482	5	i months	DATE
fsr-3244	482	6	t(x	PERSON
fsr-3244	482	7	months	DATE
fsr-3244	482	8	months	DATE
fsr-3244	482	9	x.	GPE
fsr-3244	483	1	months	DATE
fsr-3244	485	1	haensly	PERSON
fsr-3244	485	2	k.p. pai	PERSON
fsr-3244	485	3	24	CARDINAL
fsr-3244	485	4	2015	CARDINAL
fsr-3244	486	1	359–386	CARDINAL
fsr-3244	486	2	ipaf	ORG
fsr-3244	486	3	d(x	ORG
fsr-3244	486	4	months	DATE
fsr-3244	487	1	one-dollar	MONEY
fsr-3244	488	1	monthly	DATE
fsr-3244	488	2	first	ORDINAL
fsr-3244	488	3	monthly	DATE
fsr-3244	489	1	milevsky	ORG
fsr-3244	489	2	2006	DATE
fsr-3244	490	1	6.14	CARDINAL
fsr-3244	491	1	12	CARDINAL
fsr-3244	491	2	first	ORDINAL
fsr-3244	491	3	1 months	DATE
fsr-3244	491	4	months	DATE
fsr-3244	497	1	t(x	PERSON
fsr-3244	497	2	zero	CARDINAL
fsr-3244	497	3	i months	DATE
fsr-3244	500	1	two	CARDINAL
fsr-3244	500	2	i.	PERSON
fsr-3244	500	3	one	CARDINAL
fsr-3244	500	4	two	CARDINAL
fsr-3244	502	1	year	DATE
fsr-3244	502	2	382	CARDINAL
fsr-3244	502	3	k.p. pai	PERSON
fsr-3244	502	4	24	CARDINAL
fsr-3244	502	5	2015	CARDINAL
fsr-3244	502	6	359–386	CARDINAL
fsr-3244	502	7	k � 1,	PERSON
fsr-3244	502	8	2	DATE
fsr-3244	504	1	nj	ORG
fsr-3244	505	1	year	DATE
fsr-3244	506	1	2007	DATE
fsr-3244	506	2	all years	DATE
fsr-3244	509	1	11	CARDINAL
fsr-3244	509	2	wtl	PERSON
fsr-3244	509	3	years	DATE
fsr-3244	509	4	2	DATE
fsr-3244	510	1	100	MONEY
fsr-3244	510	2	second	ORDINAL
fsr-3244	510	3	the first year	DATE
fsr-3244	512	1	2%	PERCENT
fsr-3244	513	1	monthly	DATE
fsr-3244	514	1	12	CARDINAL
fsr-3244	515	1	1	CARDINAL
fsr-3244	515	2	1	CARDINAL
fsr-3244	515	3	fda	ORG
fsr-3244	515	4	fda	ORG
fsr-3244	516	1	12	CARDINAL
fsr-3244	516	2	1	CARDINAL
fsr-3244	516	3	fda	ORG
fsr-3244	519	1	383p.j	DATE
fsr-3244	520	1	haensly	PERSON
fsr-3244	520	2	k.p. pai	PERSON
fsr-3244	520	3	24	CARDINAL
fsr-3244	521	1	359–386	CARDINAL
fsr-3244	521	2	12	CARDINAL
fsr-3244	521	3	11	CARDINAL
fsr-3244	521	4	fda	ORG
fsr-3244	522	1	1	CARDINAL
fsr-3244	522	2	11	CARDINAL
fsr-3244	523	1	b8	ORG
fsr-3244	523	2	b8	ORG
fsr-3244	525	1	the first year	DATE
fsr-3244	526	1	wtl	PERSON
fsr-3244	526	2	w.	PERSON
fsr-3244	527	1	monthly	DATE
fsr-3244	529	1	500,000	MONEY
fsr-3244	530	1	eqs	ORG
fsr-3244	531	1	3	CARDINAL
fsr-3244	531	2	5	CARDINAL
fsr-3244	532	1	0	CARDINAL
fsr-3244	533	1	a given month	DATE
fsr-3244	533	2	zero	CARDINAL
fsr-3244	533	3	zero	CARDINAL
fsr-3244	534	1	month	DATE
fsr-3244	535	1	zero	CARDINAL
fsr-3244	536	1	a month	DATE
fsr-3244	538	1	zero	CARDINAL
fsr-3244	540	1	100	MONEY
fsr-3244	540	2	1,000	MONEY
fsr-3244	541	1	384	CARDINAL
fsr-3244	541	2	k.p. pai	PERSON
fsr-3244	541	3	24	CARDINAL
fsr-3244	541	4	2015	CARDINAL
fsr-3244	541	5	359–386	CARDINAL
fsr-3244	543	1	monthly	DATE
fsr-3244	548	1	j. (2005	GPE
fsr-3244	550	1	1	CARDINAL
fsr-3244	550	2	barnes	ORG
fsr-3244	550	3	m. l.	PERSON
fsr-3244	550	4	bodie	GPE
fsr-3244	550	5	z.	PERSON
fsr-3244	550	6	triest	ORG
fsr-3244	550	7	r. k.	PERSON
fsr-3244	550	8	j. c.	PERSON
fsr-3244	550	9	2010	DATE
fsr-3244	552	1	66	CARDINAL
fsr-3244	552	2	68–84	CARDINAL
fsr-3244	553	1	bekaert	PERSON
fsr-3244	553	2	x. s.	PERSON
fsr-3244	553	3	2010	DATE
fsr-3244	555	1	25	CARDINAL
fsr-3244	555	2	755–806	CARDINAL
fsr-3244	555	3	bernheim	GPE
fsr-3244	555	4	b. d.	PERSON
fsr-3244	555	5	1991	DATE
fsr-3244	558	1	99	CARDINAL
fsr-3244	558	2	899–927	CARDINAL
fsr-3244	560	1	2013	DATE
fsr-3244	561	1	economic research & data	ORG
fsr-3244	562	1	2005	DATE
fsr-3244	562	2	january 23	DATE
fsr-3244	563	1	smartmoney	PERSON
fsr-3244	564	1	the wall street journal	ORG
fsr-3244	564	2	3	CARDINAL
fsr-3244	564	3	christensen	PERSON
fsr-3244	564	4	j., & gillan	ORG
fsr-3244	564	5	2011	DATE
fsr-3244	566	1	19	CARDINAL
fsr-3244	566	2	cooley, p. l.	ORG
fsr-3244	566	3	hubbard	GPE
fsr-3244	566	4	d. t.	PERSON
fsr-3244	566	5	2003	DATE
fsr-3244	568	1	12	CARDINAL
fsr-3244	568	2	115–128	DATE
fsr-3244	569	1	d’amico	GPE
fsr-3244	569	2	s.	GPE
fsr-3244	569	3	kim	PERSON
fsr-3244	569	4	d. h.	ORG
fsr-3244	569	5	& wei	PERSON
fsr-3244	569	6	m. (	PERSON
fsr-3244	569	7	2008	DATE
fsr-3244	570	1	treasury	ORG
fsr-3244	571	1	the federal reserve board	ORG
fsr-3244	571	2	30	DATE
fsr-3244	571	3	1–64	CARDINAL
fsr-3244	571	4	ervin	ORG
fsr-3244	571	5	d. m.	PERSON
fsr-3244	571	6	g. k., & smolira	PERSON
fsr-3244	571	7	j. c.	PERSON
fsr-3244	571	8	2009	DATE
fsr-3244	572	1	monte carlo	ORG
fsr-3244	573	1	18	CARDINAL
fsr-3244	573	2	313–331	CARDINAL
fsr-3244	574	1	evans	ORG
fsr-3244	574	2	m. d.	PERSON
fsr-3244	574	3	1998	DATE
fsr-3244	576	1	53	DATE
fsr-3244	576	2	187–218	CARDINAL
fsr-3244	577	1	fama	ORG
fsr-3244	577	2	e. f. (	PERSON
fsr-3244	577	3	1975	DATE
fsr-3244	579	1	american	NORP
fsr-3244	579	2	65	DATE
fsr-3244	579	3	269–282	CARDINAL
fsr-3244	580	1	federal reserve bank	ORG
fsr-3244	580	2	st. louis.	GPE
fsr-3244	581	1	2013	DATE
fsr-3244	583	1	http://research.stlouisfed.org/ fred2	PERSON
fsr-3244	583	2	n. j.	PERSON
fsr-3244	583	3	pavlik	NORP
fsr-3244	583	4	r., & synn	ORG
fsr-3244	583	5	w.	PERSON
fsr-3244	583	6	2012	DATE
fsr-3244	585	1	21	CARDINAL
fsr-3244	586	1	j. c. (	PERSON
fsr-3244	586	2	2011	DATE
fsr-3244	587	1	7th	ORDINAL
fsr-3244	588	1	new york	GPE
fsr-3244	588	2	ny	GPE
fsr-3244	588	3	prentice hall	ORG
fsr-3244	590	1	haensly	PERSON
fsr-3244	590	2	k.p. pai	PERSON
fsr-3244	590	3	24	CARDINAL
fsr-3244	591	1	359–386 kothari	QUANTITY
fsr-3244	591	2	s. p., & shanken	PERSON
fsr-3244	591	3	j. (2004	PERSON
fsr-3244	593	1	60	CARDINAL
fsr-3244	593	2	54–70	CARDINAL
fsr-3244	594	1	kotlikoff	PERSON
fsr-3244	594	2	l. j.	PERSON
fsr-3244	594	3	2007	DATE
fsr-3244	596	1	z. bodie	PERSON
fsr-3244	596	2	d. mcleavey, & l. b. siegel	ORG
fsr-3244	597	1	55–71	CARDINAL
fsr-3244	598	1	charlottesville	GPE
fsr-3244	598	2	va	GPE
fsr-3244	598	3	cfa institute	ORG
fsr-3244	599	1	milevsky	ORG
fsr-3244	599	2	m. a., & robinson	PERSON
fsr-3244	599	3	c. (2005	GPE
fsr-3244	601	1	financial analysts journal	ORG
fsr-3244	601	2	61	CARDINAL
fsr-3244	601	3	89–100	DATE
fsr-3244	602	1	milevsky	ORG
fsr-3244	602	2	m. a.	PERSON
fsr-3244	602	3	2006	DATE
fsr-3244	604	1	new york	GPE
fsr-3244	604	2	ny: cambridge university press	ORG
fsr-3244	605	1	morningstar	PERSON
fsr-3244	606	1	2013	DATE
fsr-3244	607	1	ibbotson®	ORG
fsr-3244	607	2	2012	DATE
fsr-3244	607	3	1926–2012	CARDINAL
fsr-3244	608	1	chicago	GPE
fsr-3244	608	2	il: morningstar inc.	ORG
fsr-3244	608	3	sexauer	ORG
fsr-3244	608	4	s. c., peskin	PERSON
fsr-3244	608	5	m. w.	PERSON
fsr-3244	608	6	2012	DATE
fsr-3244	610	1	financial analysts journal	ORG
fsr-3244	610	2	68	CARDINAL
fsr-3244	611	1	shankar	PERSON
fsr-3244	611	2	s. g.	PERSON
fsr-3244	611	3	2009	DATE
fsr-3244	613	1	18	CARDINAL
fsr-3244	615	1	2014	DATE
fsr-3244	617	1	schaumburg	GPE
fsr-3244	618	1	spitzer	ORG
fsr-3244	618	2	j. j. (	PERSON
fsr-3244	618	3	2008	DATE
fsr-3244	620	1	17	CARDINAL
fsr-3244	620	2	17–29	DATE
fsr-3244	621	1	r. g.	PERSON
fsr-3244	621	2	2008	DATE
fsr-3244	623	1	17	CARDINAL
fsr-3244	624	1	386	CARDINAL
fsr-3244	624	2	k.p. pai	PERSON
fsr-3244	624	3	24	CARDINAL
fsr-3244	624	4	2015	CARDINAL
fsr-3244	624	5	359–386	CARDINAL