id	sid	eid	entity	type
fsr-3429	1	1	gizelle d. willowsa	PERSON
fsr-3429	1	2	university of cape town	ORG
fsr-3429	1	3	7001	CARDINAL
fsr-3429	1	4	south africa	GPE
fsr-3429	2	1	south african	NORP
fsr-3429	2	2	tertiary	ORDINAL
fsr-3429	5	1	linear	ORG
fsr-3429	6	1	2020	DATE
fsr-3429	8	1	jel classifications: c4	ORG
fsr-3429	8	2	d9	ORG
fsr-3429	8	3	1	CARDINAL
fsr-3429	9	1	atkinson & messy	ORG
fsr-3429	9	2	2012	DATE
fsr-3429	11	1	one	CARDINAL
fsr-3429	15	1	650 2292	CARDINAL
fsr-3429	15	2	1057	CARDINAL
fsr-3429	15	3	2020	DATE
fsr-3429	17	1	28	CARDINAL
fsr-3429	17	2	2020	DATE
fsr-3429	17	3	243–271	CARDINAL
fsr-3429	18	1	south africa	GPE
fsr-3429	19	1	2014	DATE
fsr-3429	19	2	only an estimated six	CARDINAL
fsr-3429	19	3	south africans	NORP
fsr-3429	20	1	south africa	GPE
fsr-3429	21	1	the united states	GPE
fsr-3429	21	2	a few decades ago	DATE
fsr-3429	21	3	americans	NORP
fsr-3429	21	4	401(k)type	CARDINAL
fsr-3429	21	5	morrissey	ORG
fsr-3429	21	6	2016	DATE
fsr-3429	23	1	canada	GPE
fsr-3429	23	2	mckenna	PERSON
fsr-3429	23	3	2015	DATE
fsr-3429	24	1	almost half	CARDINAL
fsr-3429	24	2	canadian	NORP
fsr-3429	24	3	shillington	ORG
fsr-3429	24	4	2016	DATE
fsr-3429	28	1	south africa	GPE
fsr-3429	28	2	south africa	GPE
fsr-3429	28	3	2018	DATE
fsr-3429	28	4	taylor	PERSON
fsr-3429	28	5	2002	DATE
fsr-3429	29	1	south african	NORP
fsr-3429	29	2	tertiary	ORDINAL
fsr-3429	43	1	244	CARDINAL
fsr-3429	43	2	28	CARDINAL
fsr-3429	43	3	2020	DATE
fsr-3429	44	1	243–271 2	CARDINAL
fsr-3429	47	1	2.1	CARDINAL
fsr-3429	48	1	xu & zia	ORG
fsr-3429	48	2	2012	DATE
fsr-3429	49	1	lusardi	PERSON
fsr-3429	49	2	mitchell	PERSON
fsr-3429	49	3	2011	DATE
fsr-3429	50	1	lusardi	PERSON
fsr-3429	50	2	mitchell	PERSON
fsr-3429	50	3	2011	DATE
fsr-3429	50	4	americans	NORP
fsr-3429	51	1	xu	PERSON
fsr-3429	51	2	zia	PERSON
fsr-3429	51	3	2012	DATE
fsr-3429	52	1	ten	CARDINAL
fsr-3429	52	2	agnew	PERSON
fsr-3429	52	3	2005	DATE
fsr-3429	57	1	xu	PERSON
fsr-3429	57	2	zia	PERSON
fsr-3429	57	3	2012	DATE
fsr-3429	58	1	agnew	PERSON
fsr-3429	58	2	2005	DATE
fsr-3429	62	1	mitchell (	ORG
fsr-3429	62	2	2011	DATE
fsr-3429	64	1	olsen	PERSON
fsr-3429	64	2	whitman	PERSON
fsr-3429	64	3	2007	DATE
fsr-3429	65	1	28	CARDINAL
fsr-3429	65	2	2020	DATE
fsr-3429	66	1	243–271 245 2.2	CARDINAL
fsr-3429	67	1	olsen & whitman	ORG
fsr-3429	67	2	2007	DATE
fsr-3429	68	1	the united states	GPE
fsr-3429	68	2	non-hispanic	NORP
fsr-3429	68	3	$70 000	MONEY
fsr-3429	69	1	less than $20 000	MONEY
fsr-3429	69	2	olsen &whitman	ORG
fsr-3429	69	3	2007	DATE
fsr-3429	72	1	2011	DATE
fsr-3429	74	1	2011	DATE
fsr-3429	77	1	2.3	CARDINAL
fsr-3429	78	1	2015	CARDINAL
fsr-3429	78	2	188	CARDINAL
fsr-3429	79	1	miller et al.	PERSON
fsr-3429	79	2	2015	DATE
fsr-3429	80	1	south africa	GPE
fsr-3429	80	2	berg & zia	ORG
fsr-3429	80	3	2013	DATE
fsr-3429	81	1	brown et al	PERSON
fsr-3429	81	2	2016	DATE
fsr-3429	83	1	2016	DATE
fsr-3429	86	1	goodman	ORG
fsr-3429	86	2	2009	DATE
fsr-3429	86	3	cole et al	PERSON
fsr-3429	87	1	2013	DATE
fsr-3429	88	1	246	CARDINAL
fsr-3429	88	2	28	CARDINAL
fsr-3429	88	3	2020	DATE
fsr-3429	89	1	243–271	CARDINAL
fsr-3429	89	2	brown et al	PERSON
fsr-3429	90	1	2016	CARDINAL
fsr-3429	95	1	brown et al	PERSON
fsr-3429	96	1	2016	DATE
fsr-3429	98	1	eight-hour	TIME
fsr-3429	98	2	u.s.	GPE
fsr-3429	98	3	2016	DATE
fsr-3429	100	1	monthly	DATE
fsr-3429	100	2	at least two years	DATE
fsr-3429	101	1	the first year	DATE
fsr-3429	102	1	the second year	DATE
fsr-3429	104	1	2016	CARDINAL
fsr-3429	106	1	2016	CARDINAL
fsr-3429	107	1	2016	DATE
fsr-3429	109	1	second	ORDINAL
fsr-3429	111	1	brazil	GPE
fsr-3429	113	1	2016	DATE
fsr-3429	113	2	six	CARDINAL
fsr-3429	113	3	868	CARDINAL
fsr-3429	113	4	approximately 20,000	CARDINAL
fsr-3429	113	5	brazil	GPE
fsr-3429	118	1	2016	DATE
fsr-3429	121	1	28	CARDINAL
fsr-3429	121	2	2020	DATE
fsr-3429	122	1	243–271 247	CARDINAL
fsr-3429	122	2	fernandes et al	PERSON
fsr-3429	123	1	2014	DATE
fsr-3429	123	2	201	CARDINAL
fsr-3429	124	1	only 0.1%	PERCENT
fsr-3429	129	1	miller et al	PERSON
fsr-3429	130	1	2015	DATE
fsr-3429	131	1	miller et al	PERSON
fsr-3429	132	1	2015	CARDINAL
fsr-3429	134	1	3	CARDINAL
fsr-3429	134	2	three	CARDINAL
fsr-3429	134	3	1	CARDINAL
fsr-3429	135	1	2	CARDINAL
fsr-3429	136	1	3	CARDINAL
fsr-3429	140	1	the university of cape	ORG
fsr-3429	140	2	uct	ORG
fsr-3429	140	3	the uct retirement fund	ORG
fsr-3429	141	1	january 1, 1995	DATE
fsr-3429	142	1	uct	ORG
fsr-3429	143	1	south african	NORP
fsr-3429	144	1	south africa	GPE
fsr-3429	145	1	248	CARDINAL
fsr-3429	145	2	28	CARDINAL
fsr-3429	145	3	2020	DATE
fsr-3429	146	1	243–271	CARDINAL
fsr-3429	147	1	atkinson & messy	ORG
fsr-3429	147	2	2012	DATE
fsr-3429	147	3	lusardi & mitchell	ORG
fsr-3429	147	4	2011	DATE
fsr-3429	147	5	2017	DATE
fsr-3429	147	6	van rooij	PERSON
fsr-3429	147	7	lusardi, & alessie	ORG
fsr-3429	147	8	2011	DATE
fsr-3429	148	1	australia	GPE
fsr-3429	148	2	agnew, bateman, & thorp	ORG
fsr-3429	148	3	2013	DATE
fsr-3429	148	4	switzerland	GPE
fsr-3429	148	5	brown & graf	ORG
fsr-3429	148	6	2013	DATE
fsr-3429	148	7	france	GPE
fsr-3429	148	8	arrondel	GPE
fsr-3429	148	9	debbich, & savignac	ORG
fsr-3429	148	10	2013	DATE
fsr-3429	148	11	russia	GPE
fsr-3429	148	12	klapper & panos	ORG
fsr-3429	148	13	2011	DATE
fsr-3429	148	14	romania	GPE
fsr-3429	148	15	beckmann, 2013)	ORG
fsr-3429	148	16	japan	GPE
fsr-3429	148	17	2011	DATE
fsr-3429	151	1	coe	ORG
fsr-3429	151	2	july 31, 2014	DATE
fsr-3429	152	1	brown et al	PERSON
fsr-3429	152	2	2016	DATE
fsr-3429	152	3	miller et al	PERSON
fsr-3429	152	4	2015	CARDINAL
fsr-3429	153	1	3.1	CARDINAL
fsr-3429	153	2	11	CARDINAL
fsr-3429	153	3	five	CARDINAL
fsr-3429	153	4	six	CARDINAL
fsr-3429	153	5	martin	PERSON
fsr-3429	153	6	japec	PERSON
fsr-3429	153	7	2004	DATE
fsr-3429	155	1	11	CARDINAL
fsr-3429	157	1	•	CARDINAL
fsr-3429	157	2	south african	NORP
fsr-3429	159	1	•	CARDINAL
fsr-3429	160	1	•	CARDINAL
fsr-3429	161	1	3 602	CARDINAL
fsr-3429	161	2	may 31, 2014	DATE
fsr-3429	162	1	3,602	CARDINAL
fsr-3429	162	2	3,333	CARDINAL
fsr-3429	163	1	tuesday, august 26, 2014	DATE
fsr-3429	163	2	the end of that week	DATE
fsr-3429	164	1	269	CARDINAL
fsr-3429	165	1	764	CARDINAL
fsr-3429	165	2	23	CARDINAL
fsr-3429	166	1	just over 21%	PERCENT
fsr-3429	168	1	age (as of july 31, 2014	DATE
fsr-3429	168	2	coe	ORG
fsr-3429	168	3	28	CARDINAL
fsr-3429	168	4	2020	DATE
fsr-3429	169	1	243–271 249	CARDINAL
fsr-3429	170	1	11	CARDINAL
fsr-3429	171	1	11	CARDINAL
fsr-3429	171	2	753	CARDINAL
fsr-3429	173	1	43	CARDINAL
fsr-3429	175	1	lusardi & mitchell	ORG
fsr-3429	175	2	2017	DATE
fsr-3429	175	3	south african	NORP
fsr-3429	177	1	south african	NORP
fsr-3429	178	1	two	CARDINAL
fsr-3429	178	2	south africa	GPE
fsr-3429	181	1	1	CARDINAL
fsr-3429	182	1	3.2	CARDINAL
fsr-3429	183	1	four	CARDINAL
fsr-3429	183	2	1	CARDINAL
fsr-3429	183	3	2	CARDINAL
fsr-3429	183	4	3	CARDINAL
fsr-3429	183	5	4	CARDINAL
fsr-3429	184	1	first	ORDINAL
fsr-3429	185	1	3.2.1	CARDINAL
fsr-3429	186	1	2	CARDINAL
fsr-3429	186	2	four	CARDINAL
fsr-3429	187	1	2	CARDINAL
fsr-3429	188	1	93% and 91%	PERCENT
fsr-3429	188	2	2017	CARDINAL
fsr-3429	189	1	3	CARDINAL
fsr-3429	191	1	more than half	CARDINAL
fsr-3429	193	1	nearly half	CARDINAL
fsr-3429	193	2	43%	PERCENT
fsr-3429	194	1	250 g.d	QUANTITY
fsr-3429	194	2	28	CARDINAL
fsr-3429	194	3	2020	DATE
fsr-3429	195	1	243–271	CARDINAL
fsr-3429	195	2	three	CARDINAL
fsr-3429	196	1	kuder-richardson	ORG
fsr-3429	196	2	0.81	CARDINAL
fsr-3429	197	1	two	CARDINAL
fsr-3429	197	2	appendix	NORP
fsr-3429	199	1	50	CARDINAL
fsr-3429	199	2	10	CARDINAL
fsr-3429	199	3	60	CARDINAL
fsr-3429	199	4	one	CARDINAL
fsr-3429	199	5	30	CARDINAL
fsr-3429	199	6	two	CARDINAL
fsr-3429	200	1	0	CARDINAL
fsr-3429	200	2	100	CARDINAL
fsr-3429	201	1	4	CARDINAL
fsr-3429	201	2	1	CARDINAL
fsr-3429	201	3	2	CARDINAL
fsr-3429	201	4	3	CARDINAL
fsr-3429	201	5	4	CARDINAL
fsr-3429	201	6	5	CARDINAL
fsr-3429	201	7	6	CARDINAL
fsr-3429	202	1	african	NORP
fsr-3429	202	2	indian	NORP
fsr-3429	203	1	45	CARDINAL
fsr-3429	203	2	44	DATE
fsr-3429	204	1	28	CARDINAL
fsr-3429	204	2	69	CARDINAL
fsr-3429	205	1	african	NORP
fsr-3429	206	1	african	NORP
fsr-3429	206	2	44	CARDINAL
fsr-3429	206	3	41	CARDINAL
fsr-3429	208	1	1	CARDINAL
fsr-3429	208	2	753	CARDINAL
fsr-3429	208	3	age 24	DATE
fsr-3429	208	4	65	CARDINAL
fsr-3429	208	5	coe	ORG
fsr-3429	208	6	80 778 338 870	QUANTITY
fsr-3429	208	7	273	CARDINAL
fsr-3429	208	8	1 916	CARDINAL
fsr-3429	208	9	415	CARDINAL
fsr-3429	208	10	55%	PERCENT
fsr-3429	208	11	338	CARDINAL
fsr-3429	208	12	45%	PERCENT
fsr-3429	208	13	african	NORP
fsr-3429	208	14	indian	NORP
fsr-3429	208	15	600.42	CARDINAL
fsr-3429	208	16	79.74%	PERCENT
fsr-3429	208	17	59.84	CARDINAL
fsr-3429	208	18	7.95%	PERCENT
fsr-3429	208	19	58.11	CARDINAL
fsr-3429	208	20	7.72%	PERCENT
fsr-3429	208	21	16.93	CARDINAL
fsr-3429	208	22	2.25%	PERCENT
fsr-3429	208	23	17.70	CARDINAL
fsr-3429	208	24	2.35%	PERCENT
fsr-3429	208	25	0.33	CARDINAL
fsr-3429	208	26	0.05%	PERCENT
fsr-3429	208	27	120.87	CARDINAL
fsr-3429	208	28	18.31%	PERCENT
fsr-3429	208	29	66.78	CARDINAL
fsr-3429	208	30	10.12%	PERCENT
fsr-3429	208	31	133.96	CARDINAL
fsr-3429	208	32	20.30%	PERCENT
fsr-3429	208	33	338.05	CARDINAL
fsr-3429	208	34	51.22%	PERCENT
fsr-3429	208	35	477.40	CARDINAL
fsr-3429	208	36	63.40%	PERCENT
fsr-3429	208	37	275.60	CARDINAL
fsr-3429	208	38	36.60%	PERCENT
fsr-3429	209	1	28	CARDINAL
fsr-3429	209	2	2020	DATE
fsr-3429	210	1	243–271	CARDINAL
fsr-3429	211	1	english	LANGUAGE
fsr-3429	212	1	second	ORDINAL
fsr-3429	212	2	third	ORDINAL
fsr-3429	212	3	gough, 1996	DATE
fsr-3429	213	1	english	LANGUAGE
fsr-3429	214	1	2.	CARDINAL
fsr-3429	214	2	the apartheid years	DATE
fsr-3429	214	3	south africa	GPE
fsr-3429	214	4	south africans	NORP
fsr-3429	214	5	2015	DATE
fsr-3429	216	1	those over 65 years of age	DATE
fsr-3429	217	1	only two	CARDINAL
fsr-3429	217	2	the age of 65 years	DATE
fsr-3429	218	1	between the ages of 35 years to 65 years	DATE
fsr-3429	219	1	xu	PERSON
fsr-3429	219	2	zia	PERSON
fsr-3429	219	3	2012	DATE
fsr-3429	220	1	7	CARDINAL
fsr-3429	221	1	xu	PERSON
fsr-3429	221	2	zia	PERSON
fsr-3429	221	3	2012	DATE
fsr-3429	222	1	3.2.2	CARDINAL
fsr-3429	224	1	5	CARDINAL
fsr-3429	229	1	2	CARDINAL
fsr-3429	229	2	753	CARDINAL
fsr-3429	229	3	72%	PERCENT
fsr-3429	229	4	55%	PERCENT
fsr-3429	229	5	59%	PERCENT
fsr-3429	229	6	45%	PERCENT
fsr-3429	229	7	7%	PERCENT
fsr-3429	229	8	12%	PERCENT
fsr-3429	229	9	28%	PERCENT
fsr-3429	229	10	51%	PERCENT
fsr-3429	229	11	21%	PERCENT
fsr-3429	229	12	33%	PERCENT
fsr-3429	229	13	13%	PERCENT
fsr-3429	229	14	4%	PERCENT
fsr-3429	231	1	3	CARDINAL
fsr-3429	231	2	753	CARDINAL
fsr-3429	231	3	46%	PERCENT
fsr-3429	231	4	75%	PERCENT
fsr-3429	231	5	44%	PERCENT
fsr-3429	231	6	46%	PERCENT
fsr-3429	231	7	50%	PERCENT
fsr-3429	231	8	58%	PERCENT
fsr-3429	231	9	66%	PERCENT
fsr-3429	231	10	25%	PERCENT
fsr-3429	231	11	19%	PERCENT
fsr-3429	231	12	12%	PERCENT
fsr-3429	231	13	14%	PERCENT
fsr-3429	231	14	28%	PERCENT
fsr-3429	231	15	38%	PERCENT
fsr-3429	231	16	18%	PERCENT
fsr-3429	231	17	20%	PERCENT
fsr-3429	231	18	32%	PERCENT
fsr-3429	231	19	35%	PERCENT
fsr-3429	231	20	13%	PERCENT
fsr-3429	231	21	42%	PERCENT
fsr-3429	231	22	26%	PERCENT
fsr-3429	231	23	12%	PERCENT
fsr-3429	231	24	24%	PERCENT
fsr-3429	231	25	14%	PERCENT
fsr-3429	231	26	43%	PERCENT
fsr-3429	233	1	252	CARDINAL
fsr-3429	233	2	28	CARDINAL
fsr-3429	233	3	2020	DATE
fsr-3429	234	1	243–271 3.2.3	CARDINAL
fsr-3429	236	1	mitchell	PERSON
fsr-3429	236	2	2011	DATE
fsr-3429	236	3	6	CARDINAL
fsr-3429	236	4	approximately 27%	PERCENT
fsr-3429	237	1	the 31.3%	PERCENT
fsr-3429	237	2	mitchell	PERSON
fsr-3429	237	3	2011	DATE
fsr-3429	239	1	almost 15%	PERCENT
fsr-3429	241	1	one-third	CARDINAL
fsr-3429	241	2	53.8%	PERCENT
fsr-3429	242	1	two	CARDINAL
fsr-3429	242	2	4	CARDINAL
fsr-3429	242	3	753	CARDINAL
fsr-3429	242	4	45	CARDINAL
fsr-3429	242	5	9.8 age <35	DATE
fsr-3429	242	6	175	CARDINAL
fsr-3429	242	7	47	CARDINAL
fsr-3429	242	8	397	CARDINAL
fsr-3429	242	9	44	CARDINAL
fsr-3429	242	10	42 9.5 50 to 64	DATE
fsr-3429	242	11	179	CARDINAL
fsr-3429	242	12	44	CARDINAL
fsr-3429	242	13	10.6	CARDINAL
fsr-3429	243	1	65	CARDINAL
fsr-3429	243	2	2	CARDINAL
fsr-3429	243	3	55	CARDINAL
fsr-3429	243	4	9.9	CARDINAL
fsr-3429	243	5	n= 415	LAW
fsr-3429	243	6	47	CARDINAL
fsr-3429	243	7	46 10.4	CARDINAL
fsr-3429	243	8	n= 338	LAW
fsr-3429	243	9	43	CARDINAL
fsr-3429	243	10	african	NORP
fsr-3429	243	11	600	CARDINAL
fsr-3429	243	12	44	CARDINAL
fsr-3429	243	13	41 9.6	CARDINAL
fsr-3429	243	14	60	CARDINAL
fsr-3429	243	15	46	CARDINAL
fsr-3429	243	16	7.6	CARDINAL
fsr-3429	243	17	58	DATE
fsr-3429	243	18	55	CARDINAL
fsr-3429	243	19	8.1	CARDINAL
fsr-3429	243	20	indian	NORP
fsr-3429	243	21	17	CARDINAL
fsr-3429	243	22	51	CARDINAL
fsr-3429	243	23	9.9	CARDINAL
fsr-3429	243	24	18	CARDINAL
fsr-3429	243	25	5.8	CARDINAL
fsr-3429	243	26	1	CARDINAL
fsr-3429	243	27	34	CARDINAL
fsr-3429	243	28	42	CARDINAL
fsr-3429	243	29	7.7	CARDINAL
fsr-3429	243	30	62	CARDINAL
fsr-3429	243	31	41	CARDINAL
fsr-3429	243	32	38 7.8	CARDINAL
fsr-3429	243	33	n= 125	LAW
fsr-3429	243	34	40	CARDINAL
fsr-3429	243	35	7.0	CARDINAL
fsr-3429	243	36	n= 315	LAW
fsr-3429	243	37	51	CARDINAL
fsr-3429	243	38	9.3	CARDINAL
fsr-3429	243	39	138	CARDINAL
fsr-3429	243	40	40	CARDINAL
fsr-3429	243	41	8.2	CARDINAL
fsr-3429	243	42	477	CARDINAL
fsr-3429	243	43	45	CARDINAL
fsr-3429	243	44	43 10.4	CARDINAL
fsr-3429	243	45	276	CARDINAL
fsr-3429	243	46	45	CARDINAL
fsr-3429	243	47	8.8	CARDINAL
fsr-3429	243	48	520	CARDINAL
fsr-3429	243	49	42	CARDINAL
fsr-3429	243	50	r400 000 p.a.	PRODUCT
fsr-3429	244	1	n= 233	LAW
fsr-3429	244	2	53	CARDINAL
fsr-3429	244	3	54 9.5	CARDINAL
fsr-3429	246	1	28	CARDINAL
fsr-3429	246	2	2020	DATE
fsr-3429	247	1	243–271 253	CARDINAL
fsr-3429	248	1	22.5%	PERCENT
fsr-3429	251	1	17%	PERCENT
fsr-3429	252	1	73%	PERCENT
fsr-3429	254	1	3.2.4	DATE
fsr-3429	258	1	seven	CARDINAL
fsr-3429	258	2	5	CARDINAL
fsr-3429	259	1	753	CARDINAL
fsr-3429	259	2	35.4%	PERCENT
fsr-3429	259	3	27.0%	PERCENT
fsr-3429	259	4	29.4%	PERCENT
fsr-3429	259	5	8.2%	PERCENT
fsr-3429	259	6	175	CARDINAL
fsr-3429	259	7	24.2%	PERCENT
fsr-3429	259	8	22.7%	PERCENT
fsr-3429	259	9	35.5%	PERCENT
fsr-3429	259	10	17.6%	PERCENT
fsr-3429	259	11	35 to 49	DATE
fsr-3429	259	12	397	CARDINAL
fsr-3429	259	13	26.8%	PERCENT
fsr-3429	259	14	33.3%	PERCENT
fsr-3429	259	15	34.0%	PERCENT
fsr-3429	259	16	5.8%	PERCENT
fsr-3429	259	17	50 to 64	DATE
fsr-3429	259	18	n= 179	LAW
fsr-3429	259	19	64.8%	PERCENT
fsr-3429	259	20	17.0%	PERCENT
fsr-3429	259	21	13.7%	PERCENT
fsr-3429	259	22	4.5%	PERCENT
fsr-3429	259	23	65	CARDINAL
fsr-3429	259	24	n= 2	LAW
fsr-3429	259	25	74.1%	PERCENT
fsr-3429	259	26	19.7%	PERCENT
fsr-3429	259	27	6.2%	PERCENT
fsr-3429	259	28	0.0%	PERCENT
fsr-3429	259	29	n= 415	LAW
fsr-3429	259	30	29.3%	PERCENT
fsr-3429	259	31	30.0%	PERCENT
fsr-3429	259	32	32.7%	PERCENT
fsr-3429	259	33	8.0%	PERCENT
fsr-3429	259	34	n= 338	LAW
fsr-3429	259	35	42.8%	PERCENT
fsr-3429	259	36	23.3%	PERCENT
fsr-3429	259	37	25.4%	PERCENT
fsr-3429	259	38	8.5%	PERCENT
fsr-3429	259	39	african	NORP
fsr-3429	259	40	600	CARDINAL
fsr-3429	259	41	34.2%	PERCENT
fsr-3429	259	42	23.3%	PERCENT
fsr-3429	259	43	32.9%	PERCENT
fsr-3429	259	44	9.6%	PERCENT
fsr-3429	259	45	60	CARDINAL
fsr-3429	259	46	40.7%	PERCENT
fsr-3429	259	47	33.4%	PERCENT
fsr-3429	259	48	20.0%	PERCENT
fsr-3429	259	49	6.0%	PERCENT
fsr-3429	259	50	41.5%	PERCENT
fsr-3429	259	51	45.9%	PERCENT
fsr-3429	259	52	11.1%	PERCENT
fsr-3429	259	53	1.5%	PERCENT
fsr-3429	259	54	indian	NORP
fsr-3429	259	55	41.9%	PERCENT
fsr-3429	259	56	41.4%	PERCENT
fsr-3429	259	57	16.7%	PERCENT
fsr-3429	259	58	0.0%	PERCENT
fsr-3429	259	59	18	CARDINAL
fsr-3429	259	60	30.6%	PERCENT
fsr-3429	259	61	53.0%	PERCENT
fsr-3429	259	62	16.3%	PERCENT
fsr-3429	259	63	0.0%	PERCENT
fsr-3429	259	64	0.0%	PERCENT
fsr-3429	259	65	100%	PERCENT
fsr-3429	259	66	0.0%	PERCENT
fsr-3429	259	67	0.0%	PERCENT
fsr-3429	259	68	40.8%	PERCENT
fsr-3429	259	69	14.8%	PERCENT
fsr-3429	259	70	44.3%	PERCENT
fsr-3429	259	71	0.2%	PERCENT
fsr-3429	259	72	29.2%	PERCENT
fsr-3429	259	73	23.4%	PERCENT
fsr-3429	259	74	30.2%	PERCENT
fsr-3429	259	75	17.1%	PERCENT
fsr-3429	259	76	n= 125	LAW
fsr-3429	259	77	37.9%	PERCENT
fsr-3429	259	78	35.6%	PERCENT
fsr-3429	259	79	17.3%	PERCENT
fsr-3429	259	80	9.3%	PERCENT
fsr-3429	259	81	n= 315	LAW
fsr-3429	259	82	33.9%	PERCENT
fsr-3429	259	83	35.3%	PERCENT
fsr-3429	259	84	28.3%	PERCENT
fsr-3429	259	85	2.4%	PERCENT
fsr-3429	259	86	138	CARDINAL
fsr-3429	259	87	34.9%	PERCENT
fsr-3429	259	88	11.5%	PERCENT
fsr-3429	259	89	30.6%	PERCENT
fsr-3429	259	90	23.1%	PERCENT
fsr-3429	259	91	477	CARDINAL
fsr-3429	259	92	35.0%	PERCENT
fsr-3429	259	93	31.3%	PERCENT
fsr-3429	259	94	23.8%	PERCENT
fsr-3429	259	95	10.0%	PERCENT
fsr-3429	259	96	n= 276	LAW
fsr-3429	259	97	36.0%	PERCENT
fsr-3429	259	98	19.5%	PERCENT
fsr-3429	259	99	39.2%	PERCENT
fsr-3429	259	100	5.3%	PERCENT
fsr-3429	260	1	520	CARDINAL
fsr-3429	260	2	33.9%	PERCENT
fsr-3429	260	3	21.7%	PERCENT
fsr-3429	260	4	32.8%	PERCENT
fsr-3429	260	5	11.7%	PERCENT
fsr-3429	260	6	000 p.a	QUANTITY
fsr-3429	261	1	n= 233	LAW
fsr-3429	261	2	38.8%	PERCENT
fsr-3429	261	3	38.8%	PERCENT
fsr-3429	261	4	22.0%	PERCENT
fsr-3429	261	5	0.5%	PERCENT
fsr-3429	263	1	254	CARDINAL
fsr-3429	263	2	28	CARDINAL
fsr-3429	263	3	2020	DATE
fsr-3429	263	4	243–271	CARDINAL
fsr-3429	263	5	three	CARDINAL
fsr-3429	265	1	0.76	CARDINAL
fsr-3429	265	2	0.70	CARDINAL
fsr-3429	266	1	48	CARDINAL
fsr-3429	266	2	50	DATE
fsr-3429	266	3	49	CARDINAL
fsr-3429	266	4	50	DATE
fsr-3429	266	5	66	CARDINAL
fsr-3429	266	6	62	CARDINAL
fsr-3429	269	1	4	CARDINAL
fsr-3429	269	2	four	CARDINAL
fsr-3429	272	1	4.1	CARDINAL
fsr-3429	274	1	43.62	CARDINAL
fsr-3429	274	2	p¼<0.001	ORG
fsr-3429	275	1	atkinson & messy	ORG
fsr-3429	275	2	2012	DATE
fsr-3429	275	3	lusardi & mitchell	ORG
fsr-3429	275	4	2011	DATE
fsr-3429	275	5	2017	DATE
fsr-3429	275	6	van rooij et al.	PERSON
fsr-3429	275	7	2011	DATE
fsr-3429	277	1	7	CARDINAL
fsr-3429	278	1	6	CARDINAL
fsr-3429	280	1	no 26.9%	PERCENT
fsr-3429	280	2	203	CARDINAL
fsr-3429	280	3	73.1%	PERCENT
fsr-3429	280	4	550	CARDINAL
fsr-3429	281	1	no 31.3%	PERCENT
fsr-3429	281	2	53.8%	PERCENT
fsr-3429	281	3	n= 109	ORG
fsr-3429	281	4	14.9%	PERCENT
fsr-3429	281	5	30	CARDINAL
fsr-3429	282	1	23.1%	PERCENT
fsr-3429	282	2	51.4%	PERCENT
fsr-3429	282	3	n= 89	LAW
fsr-3429	282	4	19.1%	PERCENT
fsr-3429	282	5	33	DATE
fsr-3429	282	6	6.4%	PERCENT
fsr-3429	282	7	n= 11	LAW
fsr-3429	284	1	28	CARDINAL
fsr-3429	284	2	2020	DATE
fsr-3429	285	1	243–271 255	CARDINAL
fsr-3429	285	2	1	CARDINAL
fsr-3429	285	3	2	CARDINAL
fsr-3429	285	4	3marital	CARDINAL
fsr-3429	285	5	4	CARDINAL
fsr-3429	285	6	dependentsþ	ORG
fsr-3429	285	7	5gender	CARDINAL
fsr-3429	285	8	6-10	CARDINAL
fsr-3429	285	9	11	CARDINAL
fsr-3429	285	10	12	CARDINAL
fsr-3429	285	11	1	CARDINAL
fsr-3429	288	1	african	NORP
fsr-3429	288	2	one	CARDINAL
fsr-3429	291	1	only one	CARDINAL
fsr-3429	292	1	4.2	CARDINAL
fsr-3429	292	2	8	CARDINAL
fsr-3429	293	1	7	CARDINAL
fsr-3429	293	2	0.004	CARDINAL
fsr-3429	293	3	0.008	CARDINAL
fsr-3429	293	4	1.538	CARDINAL
fsr-3429	293	5	1.309	CARDINAL
fsr-3429	293	6	2.614	CARDINAL
fsr-3429	293	7	2.782	CARDINAL
fsr-3429	293	8	2.803	CARDINAL
fsr-3429	293	9	1.352	CARDINAL
fsr-3429	293	10	3.473	CARDINAL
fsr-3429	293	11	1.437	CARDINAL
fsr-3429	293	12	african	NORP
fsr-3429	293	13	2.011	CARDINAL
fsr-3429	293	14	indian	NORP
fsr-3429	293	15	1.540	CARDINAL
fsr-3429	293	16	3.970	CARDINAL
fsr-3429	293	17	2.331	CARDINAL
fsr-3429	293	18	coe 8.744***	ORG
fsr-3429	293	19	2.071	CARDINAL
fsr-3429	294	1	6.301	CARDINAL
fsr-3429	294	2	2.553	CARDINAL
fsr-3429	294	3	0.500	CARDINAL
fsr-3429	294	4	2.878	CARDINAL
fsr-3429	294	5	2.743	CARDINAL
fsr-3429	294	6	2.359	CARDINAL
fsr-3429	294	7	2.616	CARDINAL
fsr-3429	294	8	1.483	CARDINAL
fsr-3429	294	9	2.442	CARDINAL
fsr-3429	294	10	46.38	CARDINAL
fsr-3429	294	11	27.91	CARDINAL
fsr-3429	294	12	753	CARDINAL
fsr-3429	294	13	0.484	CARDINAL
fsr-3429	300	1	256	CARDINAL
fsr-3429	300	2	28	CARDINAL
fsr-3429	300	3	2020	DATE
fsr-3429	301	1	243–271	CARDINAL
fsr-3429	302	1	indian	NORP
fsr-3429	304	1	1financial	CARDINAL
fsr-3429	304	2	2	CARDINAL
fsr-3429	304	3	3	CARDINAL
fsr-3429	304	4	5	CARDINAL
fsr-3429	305	1	7	CARDINAL
fsr-3429	305	2	10	CARDINAL
fsr-3429	305	3	11	CARDINAL
fsr-3429	305	4	2	CARDINAL
fsr-3429	305	5	8	CARDINAL
fsr-3429	308	1	4.7	CARDINAL
fsr-3429	308	2	3.8	CARDINAL
fsr-3429	311	1	five	CARDINAL
fsr-3429	314	1	1%	PERCENT
fsr-3429	317	1	one	CARDINAL
fsr-3429	317	2	three	CARDINAL
fsr-3429	319	1	first	ORDINAL
fsr-3429	319	2	second	ORDINAL
fsr-3429	319	3	2(57)¼ 1014.74	CARDINAL
fsr-3429	319	4	2011	DATE
fsr-3429	320	1	appendix d.	NORP
fsr-3429	322	1	28	CARDINAL
fsr-3429	322	2	2020	DATE
fsr-3429	323	1	243–271 257	CARDINAL
fsr-3429	325	1	4.3	CARDINAL
fsr-3429	325	2	9	CARDINAL
fsr-3429	326	1	two	CARDINAL
fsr-3429	327	1	1	CARDINAL
fsr-3429	327	2	351	CARDINAL
fsr-3429	327	3	8	CARDINAL
fsr-3429	327	4	0.093	CARDINAL
fsr-3429	327	5	0.033	CARDINAL
fsr-3429	327	6	1.097	CARDINAL
fsr-3429	327	7	0.036	CARDINAL
fsr-3429	327	8	0.156	CARDINAL
fsr-3429	327	9	0.033	CARDINAL
fsr-3429	327	10	1.169	CARDINAL
fsr-3429	327	11	0.039	CARDINAL
fsr-3429	327	12	0.111	CARDINAL
fsr-3429	327	13	0.033	CARDINAL
fsr-3429	327	14	1.117	CARDINAL
fsr-3429	327	15	0.037	CARDINAL
fsr-3429	327	16	0.173	CARDINAL
fsr-3429	327	17	0.330	CARDINAL
fsr-3429	327	18	1.188	CARDINAL
fsr-3429	327	19	0.039	CARDINAL
fsr-3429	327	20	0.141	CARDINAL
fsr-3429	327	21	0.034	CARDINAL
fsr-3429	327	22	1.151	CARDINAL
fsr-3429	327	23	0.039	CARDINAL
fsr-3429	327	24	0.224	CARDINAL
fsr-3429	327	25	0.033	CARDINAL
fsr-3429	327	26	1.251	CARDINAL
fsr-3429	327	27	0.042	CARDINAL
fsr-3429	327	28	1.242	CARDINAL
fsr-3429	327	29	0.289	CARDINAL
fsr-3429	327	30	0.122	CARDINAL
fsr-3429	327	31	0.0897	CARDINAL
fsr-3429	327	32	0.452	CARDINAL
fsr-3429	327	33	1.094	CARDINAL
fsr-3429	327	34	0.427	CARDINAL
fsr-3429	327	35	1.738	CARDINAL
fsr-3429	327	36	1.144	CARDINAL
fsr-3429	327	37	0.176	CARDINAL
fsr-3429	327	38	0.201	CARDINAL
fsr-3429	327	39	2.979	CARDINAL
fsr-3429	327	40	1.154	CARDINAL
fsr-3429	327	41	0.051	CARDINAL
fsr-3429	327	42	0.059	CARDINAL
fsr-3429	327	43	2.333	CARDINAL
fsr-3429	327	44	1.155	CARDINAL
fsr-3429	327	45	0.112	CARDINAL
fsr-3429	327	46	0.400	CARDINAL
fsr-3429	327	47	0.290	CARDINAL
fsr-3429	327	48	0.519	CARDINAL
fsr-3429	327	49	0.410	CARDINAL
fsr-3429	327	50	0.595	CARDINAL
fsr-3429	327	51	0.244	CARDINAL
fsr-3429	327	52	1.041	CARDINAL
fsr-3429	327	53	0.401	CARDINAL
fsr-3429	327	54	0.353	CARDINAL
fsr-3429	327	55	0.142	CARDINAL
fsr-3429	327	56	1.370	CARDINAL
fsr-3429	327	57	1.537	CARDINAL
fsr-3429	327	58	3.936	CARDINAL
fsr-3429	327	59	6.051	CARDINAL
fsr-3429	327	60	1.144	CARDINAL
fsr-3429	327	61	1.497	CARDINAL
fsr-3429	327	62	3.140	CARDINAL
fsr-3429	327	63	4.700	CARDINAL
fsr-3429	327	64	1.316	CARDINAL
fsr-3429	327	65	1.503	CARDINAL
fsr-3429	327	66	3.728	CARDINAL
fsr-3429	327	67	5.604	CARDINAL
fsr-3429	327	68	1.885	CARDINAL
fsr-3429	327	69	1.397	CARDINAL
fsr-3429	327	70	6.588	CARDINAL
fsr-3429	327	71	9.204	CARDINAL
fsr-3429	327	72	1.308	CARDINAL
fsr-3429	327	73	1.359	CARDINAL
fsr-3429	327	74	3.699	CARDINAL
fsr-3429	327	75	5.027	CARDINAL
fsr-3429	327	76	1.691	CARDINAL
fsr-3429	327	77	1.370	CARDINAL
fsr-3429	327	78	5.425	CARDINAL
fsr-3429	327	79	7.431	CARDINAL
fsr-3429	327	80	coe 1.009	ORG
fsr-3429	327	81	2.742	CARDINAL
fsr-3429	327	82	1.724	CARDINAL
fsr-3429	328	1	1.813	CARDINAL
fsr-3429	328	2	0.641	CARDINAL
fsr-3429	328	3	6.126	CARDINAL
fsr-3429	328	4	3.926	CARDINAL
fsr-3429	328	5	1.408	CARDINAL
fsr-3429	328	6	4.087	CARDINAL
fsr-3429	328	7	2.605	CARDINAL
fsr-3429	328	8	5.949	CARDINAL
fsr-3429	328	9	2.415	CARDINAL
fsr-3429	328	10	383.55	CARDINAL
fsr-3429	328	11	926.35	CARDINAL
fsr-3429	328	12	5.055	CARDINAL
fsr-3429	328	13	2.432	CARDINAL
fsr-3429	328	14	156.79	CARDINAL
fsr-3429	328	15	381.31	CARDINAL
fsr-3429	328	16	6.033	CARDINAL
fsr-3429	328	17	2.422	CARDINAL
fsr-3429	328	18	416.82	CARDINAL
fsr-3429	328	19	1009.69	CARDINAL
fsr-3429	328	20	0.649	CARDINAL
fsr-3429	328	21	0.633	CARDINAL
fsr-3429	328	22	1.914	DATE
fsr-3429	328	23	1.211	CARDINAL
fsr-3429	328	24	1.666	CARDINAL
fsr-3429	328	25	0.631	CARDINAL
fsr-3429	328	26	5.294	CARDINAL
fsr-3429	328	27	3.340	CARDINAL
fsr-3429	328	28	1.551	CARDINAL
fsr-3429	328	29	4.715	CARDINAL
fsr-3429	328	30	2.960	CARDINAL
fsr-3429	328	31	1.458	CARDINAL
fsr-3429	328	32	0.743	CARDINAL
fsr-3429	328	33	4.297	CARDINAL
fsr-3429	328	34	3.191	CARDINAL
fsr-3429	328	35	0.613	CARDINAL
fsr-3429	328	36	0.760	CARDINAL
fsr-3429	328	37	1.845	CARDINAL
fsr-3429	328	38	1.402	CARDINAL
fsr-3429	328	39	1.338	CARDINAL
fsr-3429	328	40	0.757	CARDINAL
fsr-3429	328	41	3.811	CARDINAL
fsr-3429	328	42	2.887	CARDINAL
fsr-3429	328	43	0.143	CARDINAL
fsr-3429	328	44	0.520	CARDINAL
fsr-3429	328	45	1.154	CARDINAL
fsr-3429	328	46	0.600	CARDINAL
fsr-3429	328	47	0.574	CARDINAL
fsr-3429	328	48	0.679	CARDINAL
fsr-3429	328	49	0.390	CARDINAL
fsr-3429	328	50	0.379	CARDINAL
fsr-3429	328	51	0.540	CARDINAL
fsr-3429	328	52	1.461	CARDINAL
fsr-3429	328	53	0.788	CARDINAL
fsr-3429	328	54	21.67	CARDINAL
fsr-3429	328	55	0.001	CARDINAL
fsr-3429	328	56	0.001	CARDINAL
fsr-3429	328	57	32.22	CARDINAL
fsr-3429	328	58	7.488	CARDINAL
fsr-3429	328	59	0.001	CARDINAL
fsr-3429	328	60	0.001	CARDINAL
fsr-3429	328	61	28.72	CARDINAL
fsr-3429	328	62	7.470	CARDINAL
fsr-3429	328	63	0.001	CARDINAL
fsr-3429	328	64	0.001	CARDINAL
fsr-3429	328	65	708	CARDINAL
fsr-3429	334	1	258	CARDINAL
fsr-3429	334	2	28	CARDINAL
fsr-3429	334	3	2020	DATE
fsr-3429	335	1	243–271	CARDINAL
fsr-3429	337	1	2	CARDINAL
fsr-3429	337	2	753	CARDINAL
fsr-3429	338	1	1	CARDINAL
fsr-3429	338	2	15.92	MONEY
fsr-3429	338	3	.2536	EVENT
fsr-3429	338	4	2	CARDINAL
fsr-3429	338	5	2(16)¼	CARDINAL
fsr-3429	338	6	22.48	MONEY
fsr-3429	339	1	1	CARDINAL
fsr-3429	339	2	2	CARDINAL
fsr-3429	339	3	3	CARDINAL
fsr-3429	339	4	4used	CARDINAL
fsr-3429	339	5	5	CARDINAL
fsr-3429	339	6	6	CARDINAL
fsr-3429	340	1	7	CARDINAL
fsr-3429	340	2	9	CARDINAL
fsr-3429	340	3	10gender	CARDINAL
fsr-3429	340	4	11-15	CARDINAL
fsr-3429	340	5	16	CARDINAL
fsr-3429	340	6	17	CARDINAL
fsr-3429	340	7	3	CARDINAL
fsr-3429	340	8	1	CARDINAL
fsr-3429	340	9	2	CARDINAL
fsr-3429	340	10	3marital	CARDINAL
fsr-3429	340	11	4	CARDINAL
fsr-3429	340	12	dependentsþ	ORG
fsr-3429	340	13	5	CARDINAL
fsr-3429	340	14	6	CARDINAL
fsr-3429	340	15	11	CARDINAL
fsr-3429	340	16	12	CARDINAL
fsr-3429	340	17	4	CARDINAL
fsr-3429	341	1	40	CARDINAL
fsr-3429	344	1	2018	DATE
fsr-3429	345	1	allie	PERSON
fsr-3429	345	2	west, & willows	ORG
fsr-3429	345	3	2016	DATE
fsr-3429	348	1	28	CARDINAL
fsr-3429	348	2	2020	DATE
fsr-3429	349	1	243–271	CARDINAL
fsr-3429	349	2	259	CARDINAL
fsr-3429	349	3	9	CARDINAL
fsr-3429	350	1	ed lo g	PERSON
fsr-3429	351	1	o	DATE
fsr-3429	353	1	o	DATE
fsr-3429	357	1	al li te	PERSON
fsr-3429	358	1	3 3	CARDINAL
fsr-3429	358	2	0 .0 4	MONEY
fsr-3429	358	3	1	CARDINAL
fsr-3429	358	4	0 .0 4 1	MONEY
fsr-3429	358	5	0	CARDINAL
fsr-3429	359	1	0 .0 1 3	MONEY
fsr-3429	359	2	0 .0 1 3	MONEY
fsr-3429	359	3	al k	PERSON
fsr-3429	359	4	fa	ORG
fsr-3429	359	5	il y /r	PERSON
fsr-3429	361	1	5	CARDINAL
fsr-3429	361	2	2 .8	MONEY
fsr-3429	361	3	s/ fr	QUANTITY
fsr-3429	362	1	0 .4 9 6	MONEY
fsr-3429	363	1	5	CARDINAL
fsr-3429	364	1	0 .1 5 1	MONEY
fsr-3429	364	2	0 .2	MONEY
fsr-3429	364	3	0 .4 7 0	MONEY
fsr-3429	365	1	0 4	PERCENT
fsr-3429	365	2	0	CARDINAL
fsr-3429	365	3	7 7	DATE
fsr-3429	366	1	o	DATE
fsr-3429	366	2	0 .1	MONEY
fsr-3429	366	3	0	CARDINAL
fsr-3429	366	4	4 1	DATE
fsr-3429	366	5	1 6	CARDINAL
fsr-3429	366	6	n su lt ed	PERSON
fsr-3429	366	7	3	CARDINAL
fsr-3429	366	8	2	CARDINAL
fsr-3429	367	1	0 .6 3 2	MONEY
fsr-3429	367	2	4	CARDINAL
fsr-3429	367	3	3 1	TIME
fsr-3429	368	1	2 5	DATE
fsr-3429	368	2	9 9	TIME
fsr-3429	368	3	2	CARDINAL
fsr-3429	369	1	0 .0 2 8	MONEY
fsr-3429	369	2	1	CARDINAL
fsr-3429	370	1	0 .0	MONEY
fsr-3429	371	1	4 5	CARDINAL
fsr-3429	372	1	0 .0 1 1	MONEY
fsr-3429	373	1	0 .0 1 1	MONEY
fsr-3429	373	2	al st at	PERSON
fsr-3429	373	3	u s	FAC
fsr-3429	373	4	0 .9	MONEY
fsr-3429	373	5	6 9	CARDINAL
fsr-3429	374	1	2	CARDINAL
fsr-3429	374	2	5	CARDINAL
fsr-3429	374	3	1 .0	MONEY
fsr-3429	374	4	7 1	DATE
fsr-3429	374	5	0 .2 1 5	MONEY
fsr-3429	374	6	0	CARDINAL
fsr-3429	375	1	9	CARDINAL
fsr-3429	376	1	0	CARDINAL
fsr-3429	378	1	0	CARDINAL
fsr-3429	379	1	0 6	CARDINAL
fsr-3429	379	2	0 .2 4 2	MONEY
fsr-3429	380	1	2 .4	PERCENT
fsr-3429	381	1	al e �	PERSON
fsr-3429	381	2	0 .4 9 3	MONEY
fsr-3429	381	3	0	CARDINAL
fsr-3429	382	1	3 9	CARDINAL
fsr-3429	382	2	0	CARDINAL
fsr-3429	383	1	6 4	CARDINAL
fsr-3429	383	2	0	CARDINAL
fsr-3429	383	3	7 8	DATE
fsr-3429	383	4	0 .2 2 5	MONEY
fsr-3429	384	1	0	CARDINAL
fsr-3429	384	2	0	CARDINAL
fsr-3429	385	1	5	CARDINAL
fsr-3429	385	2	0	CARDINAL
fsr-3429	385	3	3	CARDINAL
fsr-3429	385	4	3 9	CARDINAL
fsr-3429	385	5	0 .4 2 7	MONEY
fsr-3429	385	6	0	CARDINAL
fsr-3429	386	1	7 1	DATE
fsr-3429	386	2	0	CARDINAL
fsr-3429	388	1	0 .8 5 2	MONEY
fsr-3429	388	2	0	CARDINAL
fsr-3429	388	3	2	CARDINAL
fsr-3429	388	4	4 5	CARDINAL
fsr-3429	388	5	0 .6	MONEY
fsr-3429	388	6	9 5	CARDINAL
fsr-3429	388	7	0	CARDINAL
fsr-3429	388	8	0	CARDINAL
fsr-3429	389	1	0	CARDINAL
fsr-3429	389	2	ia	GPE
fsr-3429	389	3	3	CARDINAL
fsr-3429	389	4	1 .6 1 3	QUANTITY
fsr-3429	390	1	9	CARDINAL
fsr-3429	390	2	5 5	CARDINAL
fsr-3429	390	3	0 6	DATE
fsr-3429	390	4	4 9	DATE
fsr-3429	390	5	0 .6 2 3	MONEY
fsr-3429	390	6	0	CARDINAL
fsr-3429	391	1	0 5	CARDINAL
fsr-3429	391	2	0	CARDINAL
fsr-3429	391	3	0 .9 4 8	MONEY
fsr-3429	391	4	0	CARDINAL
fsr-3429	392	1	0 .9	MONEY
fsr-3429	392	2	3	CARDINAL
fsr-3429	392	3	0	CARDINAL
fsr-3429	392	4	9 5	TIME
fsr-3429	392	5	0	CARDINAL
fsr-3429	393	1	9 5	DATE
fsr-3429	393	2	0 .2	MONEY
fsr-3429	394	1	8 3	DATE
fsr-3429	394	2	3	CARDINAL
fsr-3429	395	1	2 3	DATE
fsr-3429	395	2	5	CARDINAL
fsr-3429	395	3	3	CARDINAL
fsr-3429	396	1	1 .6 4 3	MONEY
fsr-3429	397	1	al ifi	PERSON
fsr-3429	400	1	2	CARDINAL
fsr-3429	400	2	0 1	CARDINAL
fsr-3429	401	1	al ifi	PERSON
fsr-3429	404	1	te	PERSON
fsr-3429	405	1	lo m	PERSON
fsr-3429	406	1	0 .2 8 6	MONEY
fsr-3429	406	2	4	CARDINAL
fsr-3429	406	3	0	CARDINAL
fsr-3429	406	4	2 4	DATE
fsr-3429	406	5	0	CARDINAL
fsr-3429	406	6	6 5	CARDINAL
fsr-3429	407	1	al ifi	PERSON
fsr-3429	408	1	0 .8	MONEY
fsr-3429	408	2	2 8	DATE
fsr-3429	410	1	2 4 .0	MONEY
fsr-3429	410	2	0	CARDINAL
fsr-3429	411	1	3 7	DATE
fsr-3429	411	2	0	CARDINAL
fsr-3429	411	3	2 3	DATE
fsr-3429	411	4	1 .2	MONEY
fsr-3429	411	5	0 .4	MONEY
fsr-3429	412	1	al ifi	PERSON
fsr-3429	412	2	o st	PERSON
fsr-3429	413	1	4 .2	MONEY
fsr-3429	413	2	3	CARDINAL
fsr-3429	414	1	0 9	DATE
fsr-3429	414	2	0	CARDINAL
fsr-3429	414	3	3 7	DATE
fsr-3429	414	4	0	CARDINAL
fsr-3429	415	1	6 4	CARDINAL
fsr-3429	415	2	0 .2 2 4	MONEY
fsr-3429	416	1	al ifi	PERSON
fsr-3429	416	2	n k n	PERSON
fsr-3429	417	1	5	CARDINAL
fsr-3429	417	2	0 .9 1 8	MONEY
fsr-3429	417	3	1 .9	MONEY
fsr-3429	417	4	7 6	DATE
fsr-3429	417	5	0	CARDINAL
fsr-3429	417	6	7 3	DATE
fsr-3429	417	7	0	CARDINAL
fsr-3429	418	1	0 .2	MONEY
fsr-3429	420	1	1 2 .6 9 8	QUANTITY
fsr-3429	421	1	3 .8	MONEY
fsr-3429	422	1	1 5 .2	MONEY
fsr-3429	424	1	3 .8	MONEY
fsr-3429	425	1	2 4	MONEY
fsr-3429	426	1	3 .8	MONEY
fsr-3429	426	2	9	CARDINAL
fsr-3429	426	3	rv	GPE
fsr-3429	426	4	io	LOC
fsr-3429	427	1	2	CARDINAL
fsr-3429	427	2	o	DATE
fsr-3429	431	1	.0 1	DATE
fsr-3429	432	1	.0 5	DATE
fsr-3429	433	1	260	CARDINAL
fsr-3429	433	2	28	CARDINAL
fsr-3429	433	3	2020	DATE
fsr-3429	434	1	243–271	CARDINAL
fsr-3429	434	2	2	CARDINAL
fsr-3429	437	1	dave,	PERSON
fsr-3429	437	2	2017	DATE
fsr-3429	440	1	8	CARDINAL
fsr-3429	441	1	8	CARDINAL
fsr-3429	442	1	4.4	CARDINAL
fsr-3429	445	1	1)¼ 6.12	CARDINAL
fsr-3429	445	2	p¼<0.013	GPE
fsr-3429	447	1	10	CARDINAL
fsr-3429	448	1	1	CARDINAL
fsr-3429	448	2	2	CARDINAL
fsr-3429	448	3	3-6	CARDINAL
fsr-3429	448	4	7	CARDINAL
fsr-3429	448	5	8	CARDINAL
fsr-3429	448	6	9marital	CARDINAL
fsr-3429	448	7	10	CARDINAL
fsr-3429	449	1	11gender	CARDINAL
fsr-3429	449	2	12	CARDINAL
fsr-3429	449	3	17	CARDINAL
fsr-3429	449	4	18	CARDINAL
fsr-3429	449	5	5	CARDINAL
fsr-3429	449	6	1%	PERCENT
fsr-3429	450	1	atkinson	PERSON
fsr-3429	450	2	2012	DATE
fsr-3429	454	1	the age of 44 years	DATE
fsr-3429	455	1	the age of 43 years	DATE
fsr-3429	457	1	indian	NORP
fsr-3429	458	1	28	CARDINAL
fsr-3429	458	2	2020	DATE
fsr-3429	459	1	243–271 261 4.5	CARDINAL
fsr-3429	460	1	9	CARDINAL
fsr-3429	462	1	three	CARDINAL
fsr-3429	463	1	kenny	PERSON
fsr-3429	463	2	1986	DATE
fsr-3429	463	3	1	CARDINAL
fsr-3429	464	1	10	CARDINAL
fsr-3429	464	2	0.501	CARDINAL
fsr-3429	464	3	0.090	CARDINAL
fsr-3429	464	4	0.004	CARDINAL
fsr-3429	464	5	0.012	CARDINAL
fsr-3429	464	6	0.258	CARDINAL
fsr-3429	464	7	0.182	CARDINAL
fsr-3429	464	8	0.563	CARDINAL
fsr-3429	464	9	0.219	CARDINAL
fsr-3429	464	10	0.001	CARDINAL
fsr-3429	464	11	0.001	CARDINAL
fsr-3429	464	12	0.0208	CARDINAL
fsr-3429	464	13	0.213	CARDINAL
fsr-3429	464	14	0.185	CARDINAL
fsr-3429	464	15	0.173	CARDINAL
fsr-3429	464	16	0.160	CARDINAL
fsr-3429	464	17	0.168	CARDINAL
fsr-3429	464	18	0.228	CARDINAL
fsr-3429	464	19	0.162	CARDINAL
fsr-3429	464	20	african	NORP
fsr-3429	464	21	0.163	CARDINAL
fsr-3429	464	22	indian	NORP
fsr-3429	464	23	0.425	CARDINAL
fsr-3429	464	24	0.167	CARDINAL
fsr-3429	464	25	0.233	CARDINAL
fsr-3429	464	26	0.255	CARDINAL
fsr-3429	464	27	coe 0.170	ORG
fsr-3429	464	28	0.184	CARDINAL
fsr-3429	464	29	0.205	CARDINAL
fsr-3429	464	30	0.293	CARDINAL
fsr-3429	464	31	0.154	CARDINAL
fsr-3429	464	32	0.103	CARDINAL
fsr-3429	464	33	0.276	CARDINAL
fsr-3429	464	34	2.979	CARDINAL
fsr-3429	464	35	753	CARDINAL
fsr-3429	464	36	0.390	CARDINAL
fsr-3429	471	1	262	CARDINAL
fsr-3429	471	2	28	CARDINAL
fsr-3429	471	3	2020	DATE
fsr-3429	472	1	243–271	CARDINAL
fsr-3429	472	2	1	CARDINAL
fsr-3429	475	1	0.173	CARDINAL
fsr-3429	475	2	0.042	CARDINAL
fsr-3429	479	1	0.001	CARDINAL
fsr-3429	479	2	0.001	CARDINAL
fsr-3429	480	1	0.2485	CARDINAL
fsr-3429	480	2	0.2465	CARDINAL
fsr-3429	481	1	5	CARDINAL
fsr-3429	492	1	linear	ORG
fsr-3429	495	1	fernandes et al	PERSON
fsr-3429	496	1	2014	DATE
fsr-3429	497	1	thaler & sunstein	ORG
fsr-3429	497	2	2008	DATE
fsr-3429	497	3	67	CARDINAL
fsr-3429	498	1	1	CARDINAL
fsr-3429	498	2	2011	DATE
fsr-3429	500	1	28	CARDINAL
fsr-3429	500	2	2020	DATE
fsr-3429	501	1	243–271	CARDINAL
fsr-3429	506	1	more than one	CARDINAL
fsr-3429	528	1	q4	PERSON
fsr-3429	529	1	more than one	CARDINAL
fsr-3429	533	1	university/college	ORG
fsr-3429	535	1	university/college	ORG
fsr-3429	537	1	2017	CARDINAL
fsr-3429	538	1	q5	ORG
fsr-3429	540	1	2017	CARDINAL
fsr-3429	540	2	264	CARDINAL
fsr-3429	540	3	28	CARDINAL
fsr-3429	540	4	2020	DATE
fsr-3429	541	1	243–271	CARDINAL
fsr-3429	544	1	2011	DATE
fsr-3429	547	1	2011	DATE
fsr-3429	550	1	mitchell	PERSON
fsr-3429	550	2	2011	DATE
fsr-3429	552	1	more than one	CARDINAL
fsr-3429	577	1	mitchell	PERSON
fsr-3429	577	2	2011	DATE
fsr-3429	578	1	28	CARDINAL
fsr-3429	578	2	2020	DATE
fsr-3429	579	1	243–271	CARDINAL
fsr-3429	579	2	265	CARDINAL
fsr-3429	579	3	two percentage per year	DATE
fsr-3429	580	1	five years	DATE
fsr-3429	582	1	mitchell	PERSON
fsr-3429	582	2	2011	DATE
fsr-3429	582	3	one	CARDINAL
fsr-3429	582	4	two percentage per year	DATE
fsr-3429	583	1	one year	DATE
fsr-3429	584	1	mitchell	PERSON
fsr-3429	584	2	2011	DATE
fsr-3429	584	3	r10,000	NORP
fsr-3429	584	4	today	DATE
fsr-3429	584	5	three years from now	DATE
fsr-3429	588	1	2017	DATE
fsr-3429	589	1	the year 2020	DATE
fsr-3429	590	1	2020	DATE
fsr-3429	591	1	2017	CARDINAL
fsr-3429	593	1	2017	CARDINAL
fsr-3429	593	2	american	NORP
fsr-3429	593	3	south african	NORP
fsr-3429	594	1	266	CARDINAL
fsr-3429	594	2	28	CARDINAL
fsr-3429	594	3	2020	DATE
fsr-3429	595	1	243–271	CARDINAL
fsr-3429	600	1	2011	DATE
fsr-3429	600	2	american	NORP
fsr-3429	600	3	south african	NORP
fsr-3429	603	1	the first year	DATE
fsr-3429	604	1	2017	DATE
fsr-3429	604	2	american	NORP
fsr-3429	604	3	south african	NORP
fsr-3429	610	1	2011	DATE
fsr-3429	610	2	10 or 20 years	DATE
fsr-3429	611	1	2017	CARDINAL
fsr-3429	613	1	2017	CARDINAL
fsr-3429	615	1	2017	CARDINAL
fsr-3429	616	1	28	CARDINAL
fsr-3429	616	2	2020	DATE
fsr-3429	617	1	243–271 267	CARDINAL
fsr-3429	618	1	10-year	DATE
fsr-3429	618	2	five years	DATE
fsr-3429	620	1	2011	DATE
fsr-3429	622	1	2017	CARDINAL
fsr-3429	625	1	2017	DATE
fsr-3429	625	2	american	NORP
fsr-3429	625	3	south african	NORP
fsr-3429	628	1	2017	CARDINAL
fsr-3429	628	2	268	CARDINAL
fsr-3429	628	3	28	CARDINAL
fsr-3429	628	4	2020	DATE
fsr-3429	629	1	243–271	CARDINAL
fsr-3429	629	2	1 to 5	CARDINAL
fsr-3429	629	3	1	CARDINAL
fsr-3429	629	4	5	CARDINAL
fsr-3429	630	1	atkinson & messy,	ORG
fsr-3429	630	2	2012	DATE
fsr-3429	630	3	1 2	CARDINAL
fsr-3429	630	4	1 2 3 4 5	TIME
fsr-3429	630	5	1	CARDINAL
fsr-3429	630	6	1 2	CARDINAL
fsr-3429	630	7	1 2	CARDINAL
fsr-3429	630	8	1 2	CARDINAL
fsr-3429	630	9	1 2 3 4 5	QUANTITY
fsr-3429	630	10	today	DATE
fsr-3429	630	11	tomorrow	DATE
fsr-3429	630	12	1 2	CARDINAL
fsr-3429	630	13	1 2	CARDINAL
fsr-3429	630	14	retirement1	ORG
fsr-3429	630	15	0.099	CARDINAL
fsr-3429	630	16	0.044	CARDINAL
fsr-3429	630	17	0.142	CARDINAL
fsr-3429	630	18	0.041	CARDINAL
fsr-3429	630	19	0.098	CARDINAL
fsr-3429	631	1	0.041	CARDINAL
fsr-3429	631	2	age 0.006	DATE
fsr-3429	631	3	0.014	CARDINAL
fsr-3429	631	4	0.0320	CARDINAL
fsr-3429	631	5	0.013	CARDINAL
fsr-3429	631	6	0.071	CARDINAL
fsr-3429	631	7	0.013	CARDINAL
fsr-3429	631	8	0.025	CARDINAL
fsr-3429	631	9	0.027	CARDINAL
fsr-3429	631	10	0.188	CARDINAL
fsr-3429	631	11	0.264	CARDINAL
fsr-3429	631	12	0.022	CARDINAL
fsr-3429	631	13	0.252	CARDINAL
fsr-3429	631	14	0.015	CARDINAL
fsr-3429	631	15	0.256	CARDINAL
fsr-3429	631	16	0.062	CARDINAL
fsr-3429	631	17	0.559	CARDINAL
fsr-3429	631	18	0.546	CARDINAL
fsr-3429	631	19	0.198	CARDINAL
fsr-3429	631	20	0.284	CARDINAL
fsr-3429	631	21	0.341	CARDINAL
fsr-3429	631	22	0.289	CARDINAL
fsr-3429	631	23	0.001	CARDINAL
fsr-3429	631	24	0.582	CARDINAL
fsr-3429	631	25	0.609	CARDINAL
fsr-3429	631	26	0.487	DATE
fsr-3429	631	27	0.270	CARDINAL
fsr-3429	631	28	2.980	CARDINAL
fsr-3429	632	1	0.535	CARDINAL
fsr-3429	632	2	0.369	CARDINAL
fsr-3429	632	3	0.436	CARDINAL
fsr-3429	632	4	0.081	CARDINAL
fsr-3429	632	5	0.418	CARDINAL
fsr-3429	632	6	0.195	CARDINAL
fsr-3429	632	7	0.414	CARDINAL
fsr-3429	632	8	4.589	CARDINAL
fsr-3429	633	1	0.670	CARDINAL
fsr-3429	633	2	0.873	CARDINAL
fsr-3429	633	3	0.592	CARDINAL
fsr-3429	633	4	0.167	CARDINAL
fsr-3429	633	5	0.585	CARDINAL
fsr-3429	633	6	0.535	CARDINAL
fsr-3429	633	7	0.569	CARDINAL
fsr-3429	633	8	6.687	CARDINAL
fsr-3429	633	9	0.985	CARDINAL
fsr-3429	633	10	indian	NORP
fsr-3429	633	11	245.6	CARDINAL
fsr-3429	633	12	4.800	CARDINAL
fsr-3429	633	13	245.6	CARDINAL
fsr-3429	633	14	4.913	CARDINAL
fsr-3429	633	15	245.6	CARDINAL
fsr-3429	633	16	3.406	CARDINAL
fsr-3429	633	17	1.191	CARDINAL
fsr-3429	633	18	3.860	CARDINAL
fsr-3429	633	19	736.8	CARDINAL
fsr-3429	633	20	3.939	CARDINAL
fsr-3429	633	21	736.8	CARDINAL
fsr-3429	633	22	3.654	CARDINAL
fsr-3429	633	23	736.8	CARDINAL
fsr-3429	633	24	1.657	CARDINAL
fsr-3429	633	25	2.414	CARDINAL
fsr-3429	633	26	coe 0.143	ORG
fsr-3429	633	27	0.447	CARDINAL
fsr-3429	633	28	0.064	CARDINAL
fsr-3429	633	29	0.427	CARDINAL
fsr-3429	633	30	0.149	CARDINAL
fsr-3429	633	31	0.426	CARDINAL
fsr-3429	633	32	5.015	CARDINAL
fsr-3429	633	33	1.072	CARDINAL
fsr-3429	633	34	0.562	CARDINAL
fsr-3429	633	35	1.006	CARDINAL
fsr-3429	633	36	0.556	CARDINAL
fsr-3429	633	37	1.131	CARDINAL
fsr-3429	633	38	0.545	CARDINAL
fsr-3429	633	39	8.243	CARDINAL
fsr-3429	633	40	6.791	CARDINAL
fsr-3429	633	41	0.766	CARDINAL
fsr-3429	633	42	0.516	CARDINAL
fsr-3429	633	43	0.605	CARDINAL
fsr-3429	633	44	0.492	CARDINAL
fsr-3429	633	45	0.491	CARDINAL
fsr-3429	633	46	7.789	CARDINAL
fsr-3429	633	47	6.804	CARDINAL
fsr-3429	633	48	0.445	CARDINAL
fsr-3429	633	49	0.409	CARDINAL
fsr-3429	633	50	0.397	CARDINAL
fsr-3429	633	51	0.390	CARDINAL
fsr-3429	633	52	0.340	CARDINAL
fsr-3429	633	53	7.604	DATE
fsr-3429	633	54	6.790	CARDINAL
fsr-3429	633	55	0.213	CARDINAL
fsr-3429	633	56	0.471	CARDINAL
fsr-3429	633	57	0.0238	CARDINAL
fsr-3429	633	58	0.455	CARDINAL
fsr-3429	633	59	0.025	CARDINAL
fsr-3429	633	60	0.450	CARDINAL
fsr-3429	633	61	9.892	CARDINAL
fsr-3429	633	62	6.813	CARDINAL
fsr-3429	633	63	6.446	CARDINAL
fsr-3429	633	64	6.780	CARDINAL
fsr-3429	633	65	3.506	CARDINAL
fsr-3429	633	66	0.404	CARDINAL
fsr-3429	633	67	6.847	CARDINAL
fsr-3429	633	68	4.359	CARDINAL
fsr-3429	633	69	6.363	CARDINAL
fsr-3429	633	70	4.195	CARDINAL
fsr-3429	633	71	9.004	CARDINAL
fsr-3429	633	72	25.52	CARDINAL
fsr-3429	633	73	10.09	CARDINAL
fsr-3429	633	74	1.904	CARDINAL
fsr-3429	633	75	0.0258	GPE
fsr-3429	633	76	0.289	CARDINAL
fsr-3429	633	77	0.687	CARDINAL
fsr-3429	633	78	0.327	CARDINAL
fsr-3429	634	1	0.235	CARDINAL
fsr-3429	634	2	753	CARDINAL
fsr-3429	634	3	wald x2(57	ORG
fsr-3429	634	4	1014.74	CARDINAL
fsr-3429	636	1	1the	CARDINAL
fsr-3429	636	2	2011	DATE
fsr-3429	641	1	g.d.	ORG
fsr-3429	641	2	28	CARDINAL
fsr-3429	641	3	2020	DATE
fsr-3429	642	1	243–271 269	CARDINAL
fsr-3429	642	2	the national research foundation of south africa	ORG
fsr-3429	642	3	94145	DATE
fsr-3429	643	1	agnew	PERSON
fsr-3429	643	2	s.	PERSON
fsr-3429	643	3	2013	DATE
fsr-3429	644	1	australia	GPE
fsr-3429	645	1	6	CARDINAL
fsr-3429	645	2	article 7.	LAW
fsr-3429	646	1	agnew	PERSON
fsr-3429	646	2	j., & szykman	ORG
fsr-3429	646	3	l. r.	PERSON
fsr-3429	646	4	2005	DATE
fsr-3429	648	1	6	CARDINAL
fsr-3429	648	2	57–70	DATE
fsr-3429	649	1	allie	PERSON
fsr-3429	649	2	j., west	GPE
fsr-3429	649	3	d., & willows	ORG
fsr-3429	649	4	2016	DATE
fsr-3429	651	1	45	CARDINAL
fsr-3429	651	2	s63	ORG
fsr-3429	652	1	arrondel	ORG
fsr-3429	652	2	l.	GPE
fsr-3429	652	3	m., & savignac	ORG
fsr-3429	652	4	f.	PERSON
fsr-3429	652	5	2013	DATE
fsr-3429	653	1	france	GPE
fsr-3429	654	1	6	CARDINAL
fsr-3429	655	1	atkinson	GPE
fsr-3429	655	2	a., & messy	ORG
fsr-3429	655	3	f. a.	PERSON
fsr-3429	655	4	2012	DATE
fsr-3429	656	1	oecd	ORG
fsr-3429	657	1	oecd	ORG
fsr-3429	657	2	15	CARDINAL
fsr-3429	657	3	1–73	CARDINAL
fsr-3429	657	4	r. m.	PERSON
fsr-3429	657	5	d. a.	PERSON
fsr-3429	657	6	1986	DATE
fsr-3429	659	1	51	CARDINAL
fsr-3429	659	2	1173–1182	DATE
fsr-3429	660	1	j.	PERSON
fsr-3429	660	2	g. d.	PERSON
fsr-3429	660	3	d. (	ORG
fsr-3429	660	4	2018	DATE
fsr-3429	662	1	17	CARDINAL
fsr-3429	662	2	229–249	CARDINAL
fsr-3429	663	1	beckmann	ORG
fsr-3429	663	2	2013	DATE
fsr-3429	664	1	romania	GPE
fsr-3429	665	1	6	CARDINAL
fsr-3429	665	2	article 9	LAW
fsr-3429	666	1	berg	PERSON
fsr-3429	666	2	2013	DATE
fsr-3429	667	1	south african	NORP
fsr-3429	668	1	world bank	ORG
fsr-3429	668	2	washington	GPE
fsr-3429	668	3	dc	GPE
fsr-3429	668	4	brown	PERSON
fsr-3429	668	5	m., & graf	ORG
fsr-3429	668	6	r.	PERSON
fsr-3429	668	7	2013	DATE
fsr-3429	669	1	switzerland	GPE
fsr-3429	670	1	6	CARDINAL
fsr-3429	670	2	m., grigsby	PERSON
fsr-3429	670	3	j., van der klaauw	PERSON
fsr-3429	670	4	w.	PERSON
fsr-3429	670	5	j., & zafar	ORG
fsr-3429	670	6	b.	PERSON
fsr-3429	670	7	2016	DATE
fsr-3429	672	1	29	CARDINAL
fsr-3429	672	2	2490–2522	CARDINAL
fsr-3429	673	1	m., de souza	ORG
fsr-3429	673	2	a.	PERSON
fsr-3429	673	3	marchetti	PERSON
fsr-3429	673	4	r., & zia	ORG
fsr-3429	673	5	2016	DATE
fsr-3429	674	1	brazil	GPE
fsr-3429	675	1	american economic journal:	ORG
fsr-3429	675	2	8	CARDINAL
fsr-3429	675	3	256–295	CARDINAL
fsr-3429	675	4	cole	PRODUCT
fsr-3429	675	5	s.	PERSON
fsr-3429	675	6	paulson, a., & shastry	ORG
fsr-3429	675	7	2013	DATE
fsr-3429	677	1	boston	GPE
fsr-3429	677	2	harvard business school	ORG
fsr-3429	679	1	pdf) dave	ORG
fsr-3429	679	2	2017	CARDINAL
fsr-3429	682	1	k., & spaull	ORG
fsr-3429	682	2	2015	DATE
fsr-3429	683	1	south africa	GPE
fsr-3429	684	1	south african	NORP
fsr-3429	684	2	5	CARDINAL
fsr-3429	684	3	34–41	CARDINAL
fsr-3429	685	1	fernandes	PERSON
fsr-3429	685	2	d.	NORP
fsr-3429	685	3	lynch	GPE
fsr-3429	685	4	j. g.	PERSON
fsr-3429	685	5	r. g.	PERSON
fsr-3429	685	6	2014	DATE
fsr-3429	686	1	60	CARDINAL
fsr-3429	686	2	1861–1883	DATE
fsr-3429	687	1	gough	PERSON
fsr-3429	687	2	d.	PERSON
fsr-3429	687	3	1996	DATE
fsr-3429	688	1	english	LANGUAGE
fsr-3429	688	2	south africa	GPE
fsr-3429	689	1	c. muller &	ORG
fsr-3429	689	2	m. wright	PERSON
fsr-3429	689	3	south african	NORP
fsr-3429	689	4	english	LANGUAGE
fsr-3429	690	1	cape	GPE
fsr-3429	690	2	oup	ORG
fsr-3429	691	1	goodman	ORG
fsr-3429	691	2	j.	PERSON
fsr-3429	691	3	2009	DATE
fsr-3429	693	1	harvard kennedy school	ORG
fsr-3429	693	2	cambridge	GPE
fsr-3429	693	3	ma	PERSON
fsr-3429	693	4	klapper	PERSON
fsr-3429	693	5	g. a.	PERSON
fsr-3429	693	6	2011	DATE
fsr-3429	694	1	russian	NORP
fsr-3429	695	1	journal of pension economics	ORG
fsr-3429	695	2	10	CARDINAL
fsr-3429	695	3	599–618	DATE
fsr-3429	696	1	lusardi, a., & mitchell	ORG
fsr-3429	696	2	o. s.	PERSON
fsr-3429	696	3	2011	DATE
fsr-3429	698	1	o. s. mitchell & a. lusardi	ORG
fsr-3429	700	1	oxford	NORP
fsr-3429	700	2	oxford university	ORG
fsr-3429	701	1	270	CARDINAL
fsr-3429	701	2	28	CARDINAL
fsr-3429	701	3	2020	DATE
fsr-3429	701	4	243–271	CARDINAL
fsr-3429	701	5	a., & mitchell	ORG
fsr-3429	701	6	o. s.	PERSON
fsr-3429	701	7	2017	CARDINAL
fsr-3429	703	1	quarterly	DATE
fsr-3429	703	2	07, 1750008	DATE
fsr-3429	704	1	mckenna	PERSON
fsr-3429	704	2	b.	PERSON
fsr-3429	704	3	2015	DATE
fsr-3429	706	1	06 november	DATE
fsr-3429	707	1	https://www.theglobeandmail.com/globe-investor/retirement/as-thebaby-boomers-retire-the-threat-of-intergenerational-inequality-looms/article27163694/	GPE
fsr-3429	707	2	m., reichelstein	ORG
fsr-3429	707	3	j., salas	ORG
fsr-3429	707	4	c., & zia	ORG
fsr-3429	707	5	2015	DATE
fsr-3429	710	1	the world bank	ORG
fsr-3429	710	2	30	CARDINAL
fsr-3429	710	3	220–246	CARDINAL
fsr-3429	711	1	morrissey	ORG
fsr-3429	711	2	m.	PERSON
fsr-3429	711	3	2016	DATE
fsr-3429	712	1	american	NORP
fsr-3429	713	1	03 march	DATE
fsr-3429	716	1	olsen	PERSON
fsr-3429	716	2	a., & whitman	ORG
fsr-3429	716	3	2007	DATE
fsr-3429	718	1	67	CARDINAL
fsr-3429	719	1	d. (	GPE
fsr-3429	719	2	2011	DATE
fsr-3429	721	1	11	CARDINAL
fsr-3429	721	2	159–206	CARDINAL
fsr-3429	721	3	sekita	ORG
fsr-3429	721	4	s.	PERSON
fsr-3429	721	5	2011	DATE
fsr-3429	722	1	japan	GPE
fsr-3429	723	1	journal of pension economics	ORG
fsr-3429	723	2	10	CARDINAL
fsr-3429	723	3	637–656	CARDINAL
fsr-3429	724	1	shillington	PERSON
fsr-3429	724	2	r.	NORP
fsr-3429	724	3	2016).we’re	CARDINAL
fsr-3429	725	1	17 february	DATE
fsr-3429	726	1	w.	PERSON
fsr-3429	726	2	2016	DATE
fsr-3429	728	1	american economic journal: economic policy	ORG
fsr-3429	728	2	8	CARDINAL
fsr-3429	728	3	322–343	CARDINAL
fsr-3429	729	1	south africa	GPE
fsr-3429	730	1	2018	DATE
fsr-3429	731	1	quarterly	DATE
fsr-3429	732	1	quarter 2	DATE
fsr-3429	734	1	za	PERSON
fsr-3429	734	2	taylor	PERSON
fsr-3429	734	3	2002	DATE
fsr-3429	736	1	south africa	GPE
fsr-3429	737	1	pdf	ORG
fsr-3429	737	2	r., & sunstein	ORG
fsr-3429	737	3	c. r.	PERSON
fsr-3429	737	4	2008	DATE
fsr-3429	738	1	6	CARDINAL
fsr-3429	739	1	m.	PERSON
fsr-3429	739	2	a., & alessie	ORG
fsr-3429	739	3	r. (	PERSON
fsr-3429	739	4	2011	DATE
fsr-3429	741	1	journal of financial economics	ORG
fsr-3429	741	2	101	CARDINAL
fsr-3429	741	3	449–472	CARDINAL
fsr-3429	742	1	d. k.	PERSON
fsr-3429	742	2	lyberg	PERSON
fsr-3429	742	3	martin	PERSON
fsr-3429	742	4	j.	PERSON
fsr-3429	742	5	japec	PERSON
fsr-3429	742	6	l., & whitridge	ORG
fsr-3429	742	7	2004).evolution	LAW
fsr-3429	743	1	s. presser	PERSON
fsr-3429	743	2	j. m. rothgeb	PERSON
fsr-3429	743	3	m. p. cooper	PERSON
fsr-3429	743	4	j. t. lessler	PERSON
fsr-3429	743	5	e. martin	PERSON
fsr-3429	743	6	j. martin & e. singer	ORG
fsr-3429	744	1	new york	GPE
fsr-3429	744	2	wiley xu	PERSON
fsr-3429	744	3	l., & zia	ORG
fsr-3429	744	4	2012	DATE
fsr-3429	746	1	6107	DATE
fsr-3429	746	2	1–56	DATE
fsr-3429	747	1	g.d.	ORG
fsr-3429	747	2	28	CARDINAL
fsr-3429	747	3	2020	DATE
fsr-3429	748	1	243–271 271	CARDINAL