id	sid	eid	entity	type
fsr-3478	1	1	manoj athavalea*	PERSON
fsr-3478	1	2	stephen avilaa	PERSON
fsr-3478	1	3	joseph goebela	PERSON
fsr-3478	1	4	ball state university	ORG
fsr-3478	1	5	2000	DATE
fsr-3478	1	6	west university	LOC
fsr-3478	1	7	avenue	GPE
fsr-3478	1	8	47306	DATE
fsr-3478	1	9	the earning years	DATE
fsr-3478	6	1	2022	CARDINAL
fsr-3478	8	1	jel	ORG
fsr-3478	8	2	1	CARDINAL
fsr-3478	9	1	two	CARDINAL
fsr-3478	12	1	athavale@bsu.edu 1057-0810/22/$	PERSON
fsr-3478	12	2	2022	CARDINAL
fsr-3478	14	1	30	CARDINAL
fsr-3478	14	2	2022	CARDINAL
fsr-3478	15	1	125–143	CARDINAL
fsr-3478	17	1	the united states	GPE
fsr-3478	17	2	only about 40%	PERCENT
fsr-3478	17	3	biggs & springstead	ORG
fsr-3478	17	4	2008	DATE
fsr-3478	18	1	the years	DATE
fsr-3478	22	1	rmd	PERSON
fsr-3478	22	2	every year	DATE
fsr-3478	22	3	that year	DATE
fsr-3478	23	1	the later retirement years	DATE
fsr-3478	24	1	roth	PERSON
fsr-3478	27	1	each year	DATE
fsr-3478	28	1	4%	PERCENT
fsr-3478	28	2	annual	DATE
fsr-3478	28	3	4%	PERCENT
fsr-3478	28	4	30-year	DATE
fsr-3478	35	1	five	CARDINAL
fsr-3478	35	2	three	CARDINAL
fsr-3478	35	3	five	CARDINAL
fsr-3478	35	4	126	CARDINAL
fsr-3478	35	5	m. athavale et	PERSON
fsr-3478	35	6	30	CARDINAL
fsr-3478	35	7	2022	CARDINAL
fsr-3478	35	8	125–143	CARDINAL
fsr-3478	35	9	75	CARDINAL
fsr-3478	36	1	four	CARDINAL
fsr-3478	36	2	monthly	DATE
fsr-3478	36	3	100	CARDINAL
fsr-3478	36	4	30,000	CARDINAL
fsr-3478	37	1	the five years	DATE
fsr-3478	42	1	2	CARDINAL
fsr-3478	42	2	the early years	DATE
fsr-3478	44	1	one	CARDINAL
fsr-3478	44	2	1889	DATE
fsr-3478	44	3	germany	GPE
fsr-3478	44	4	age 70	DATE
fsr-3478	44	5	an additional two years	DATE
fsr-3478	45	1	today	DATE
fsr-3478	46	1	a few decades	DATE
fsr-3478	46	2	a few years	DATE
fsr-3478	50	1	between 1926 and 1980	DATE
fsr-3478	50	2	annual	DATE
fsr-3478	50	3	4%	PERCENT
fsr-3478	50	4	30-year	DATE
fsr-3478	51	1	4%	PERCENT
fsr-3478	51	2	bierwirth	PERSON
fsr-3478	51	3	1994	DATE
fsr-3478	51	4	1994	DATE
fsr-3478	51	5	cooley	GPE
fsr-3478	51	6	hubbard	GPE
fsr-3478	51	7	1998	DATE
fsr-3478	51	8	m. athavale et	PERSON
fsr-3478	51	9	30	CARDINAL
fsr-3478	51	10	2022	CARDINAL
fsr-3478	52	1	125–143 127	CARDINAL
fsr-3478	52	2	between 5% to 6%	PERCENT
fsr-3478	53	1	2007	DATE
fsr-3478	55	1	2014	DATE
fsr-3478	56	1	bonsang	GPE
fsr-3478	56	2	adam, & perelman	ORG
fsr-3478	56	3	2012	DATE
fsr-3478	56	4	korniotis & kumar	ORG
fsr-3478	56	5	2011	DATE
fsr-3478	57	1	4%	PERCENT
fsr-3478	58	1	hubbard	GPE
fsr-3478	58	2	1998	DATE
fsr-3478	59	1	4%	PERCENT
fsr-3478	60	1	2010	DATE
fsr-3478	61	1	first	ORDINAL
fsr-3478	61	2	30-year	DATE
fsr-3478	62	1	second	ORDINAL
fsr-3478	62	2	4%	PERCENT
fsr-3478	62	3	only four	CARDINAL
fsr-3478	62	4	17	CARDINAL
fsr-3478	63	1	staunton	GPE
fsr-3478	63	2	2004	DATE
fsr-3478	63	3	the united states	GPE
fsr-3478	63	4	the 1900 to 2002	DATE
fsr-3478	64	1	estrada	PERSON
fsr-3478	64	2	2018	DATE
fsr-3478	64	3	62	CARDINAL
fsr-3478	64	4	21	CARDINAL
fsr-3478	64	5	115 years	DATE
fsr-3478	64	6	11	CARDINAL
fsr-3478	65	1	30-year	DATE
fsr-3478	65	2	50%	PERCENT
fsr-3478	65	3	4.8%	PERCENT
fsr-3478	65	4	2.6%	PERCENT
fsr-3478	65	5	5%	PERCENT
fsr-3478	68	1	pye	ORG
fsr-3478	68	2	2000	DATE
fsr-3478	68	3	4%	PERCENT
fsr-3478	68	4	8%	PERCENT
fsr-3478	68	5	18%	PERCENT
fsr-3478	68	6	35 years	DATE
fsr-3478	68	7	81%	PERCENT
fsr-3478	68	8	4.5%	PERCENT
fsr-3478	68	9	60%	PERCENT
fsr-3478	68	10	3.7%	PERCENT
fsr-3478	69	1	finke	PERSON
fsr-3478	69	2	blanchett	PERSON
fsr-3478	69	3	2013	DATE
fsr-3478	69	4	30-year	DATE
fsr-3478	69	5	18%	PERCENT
fsr-3478	69	6	5 years	DATE
fsr-3478	70	1	blanchett	PERSON
fsr-3478	70	2	2014	DATE
fsr-3478	70	3	4%	PERCENT
fsr-3478	70	4	50%	PERCENT
fsr-3478	70	5	30-year	DATE
fsr-3478	71	1	128	CARDINAL
fsr-3478	71	2	m. athavale et	PERSON
fsr-3478	71	3	30	CARDINAL
fsr-3478	71	4	2022	CARDINAL
fsr-3478	71	5	125–143	CARDINAL
fsr-3478	71	6	4%	PERCENT
fsr-3478	71	7	u.s.	GPE
fsr-3478	73	1	the last decade	DATE
fsr-3478	73	2	2011	DATE
fsr-3478	73	3	4%	PERCENT
fsr-3478	75	1	blanchett	PERSON
fsr-3478	75	2	blanchett	PERSON
fsr-3478	75	3	2008	DATE
fsr-3478	75	4	4%	PERCENT
fsr-3478	75	5	30-year	DATE
fsr-3478	76	1	1%	PERCENT
fsr-3478	76	2	approximately four	CARDINAL
fsr-3478	76	3	1%	PERCENT
fsr-3478	77	1	clare	GPE
fsr-3478	77	2	seaton	GPE
fsr-3478	77	3	thomas	PERSON
fsr-3478	77	4	2017	DATE
fsr-3478	77	5	2021	DATE
fsr-3478	79	1	milevsky	ORG
fsr-3478	79	2	robinson	PERSON
fsr-3478	79	3	2005	DATE
fsr-3478	80	1	4%	PERCENT
fsr-3478	80	2	65-year old	DATE
fsr-3478	80	3	9%	PERCENT
fsr-3478	80	4	3.24%	PERCENT
fsr-3478	80	5	5%	PERCENT
fsr-3478	81	1	scott	ORG
fsr-3478	81	2	sharpe	PERSON
fsr-3478	81	3	watson	PERSON
fsr-3478	81	4	2009	DATE
fsr-3478	81	5	30-year	DATE
fsr-3478	81	6	european	NORP
fsr-3478	81	7	4%	PERCENT
fsr-3478	83	1	1973	DATE
fsr-3478	83	2	guyton	PERSON
fsr-3478	83	3	2004	DATE
fsr-3478	83	4	5.8%	PERCENT
fsr-3478	84	1	stout & mitchell	ORG
fsr-3478	84	2	2006	DATE
fsr-3478	84	3	first	ORDINAL
fsr-3478	84	4	liu	PERSON
fsr-3478	84	5	chang, de jong	PERSON
fsr-3478	84	6	30	CARDINAL
fsr-3478	84	7	2022	CARDINAL
fsr-3478	85	1	125–143	CARDINAL
fsr-3478	85	2	2009	DATE
fsr-3478	85	3	each year	DATE
fsr-3478	85	4	blanchett & frank	ORG
fsr-3478	85	5	2009	DATE
fsr-3478	86	1	cooley, hubbard	ORG
fsr-3478	86	2	2011	DATE
fsr-3478	88	1	2019	DATE
fsr-3478	88	2	2020	DATE
fsr-3478	89	1	estrada	PERSON
fsr-3478	89	2	2020	DATE
fsr-3478	90	1	robinson	PERSON
fsr-3478	90	2	2010	DATE
fsr-3478	94	1	2017	DATE
fsr-3478	97	1	3	CARDINAL
fsr-3478	101	1	a million dollars	MONEY
fsr-3478	101	2	a million dollars	MONEY
fsr-3478	101	3	a million dollars	MONEY
fsr-3478	102	1	roth	PERSON
fsr-3478	103	1	130	CARDINAL
fsr-3478	103	2	m. athavale et	PERSON
fsr-3478	103	3	30	CARDINAL
fsr-3478	103	4	2022	CARDINAL
fsr-3478	103	5	125–143	CARDINAL
fsr-3478	115	1	collins	PERSON
fsr-3478	115	2	2015	DATE
fsr-3478	115	3	milevsky & robinson	ORG
fsr-3478	115	4	2005	DATE
fsr-3478	115	5	99	CARDINAL
fsr-3478	117	1	annual	DATE
fsr-3478	117	2	the first year	DATE
fsr-3478	117	3	the end of the year	DATE
fsr-3478	118	1	the second year	DATE
fsr-3478	121	1	annual	DATE
fsr-3478	121	2	30	CARDINAL
fsr-3478	121	3	2022	CARDINAL
fsr-3478	122	1	125–143 131	CARDINAL
fsr-3478	124	1	annual	DATE
fsr-3478	124	2	the early retirement years	DATE
fsr-3478	125	1	blanchett et al.	PERSON
fsr-3478	125	2	2014	DATE
fsr-3478	125	3	55	CARDINAL
fsr-3478	127	1	2020	DATE
fsr-3478	128	1	collins	PERSON
fsr-3478	128	2	2015	CARDINAL
fsr-3478	130	1	cooley, hubbard	ORG
fsr-3478	130	2	2003	DATE
fsr-3478	130	3	128	CARDINAL
fsr-3478	130	4	monte carlo	ORG
fsr-3478	132	1	annual	DATE
fsr-3478	133	1	1	CARDINAL
fsr-3478	133	2	ixi þ «	PERSON
fsr-3478	135	1	1	CARDINAL
fsr-3478	137	1	zero	CARDINAL
fsr-3478	139	1	4	CARDINAL
fsr-3478	140	1	today	DATE
fsr-3478	141	1	132	CARDINAL
fsr-3478	141	2	30	CARDINAL
fsr-3478	141	3	2022	CARDINAL
fsr-3478	142	1	125–143	CARDINAL
fsr-3478	142	2	ia	GPE
fsr-3478	144	1	w al ra te	PERSON
fsr-3478	144	2	ed w	FAC
fsr-3478	146	1	w al	PERSON
fsr-3478	148	1	ia l p	FAC
fsr-3478	149	1	li	PERSON
fsr-3478	153	1	w al s	PERSON
fsr-3478	155	1	li	PERSON
fsr-3478	155	2	o	DATE
fsr-3478	155	3	ra te	PERSON
fsr-3478	155	4	ju st	PERSON
fsr-3478	156	1	io	LOC
fsr-3478	157	1	al co n su	ORG
fsr-3478	161	1	w al ra	PERSON
fsr-3478	162	1	2 .5	PERCENT
fsr-3478	165	1	3 .2 5 %	PERCENT
fsr-3478	165	2	4 .0	PERCENT
fsr-3478	166	1	4 .7 5 %	PERCENT
fsr-3478	166	2	an d 5	DATE
fsr-3478	166	3	0 %	PERCENT
fsr-3478	170	1	li	PERSON
fsr-3478	170	2	al lo	PERSON
fsr-3478	171	1	al lo	PERSON
fsr-3478	175	1	t h	GPE
fsr-3478	175	2	ea te	QUANTITY
fsr-3478	175	3	ia	GPE
fsr-3478	177	1	ri zo n	PERSON
fsr-3478	177	2	ec	ORG
fsr-3478	180	1	li	PERSON
fsr-3478	182	1	t h	GPE
fsr-3478	182	2	ec	ORG
fsr-3478	183	1	o	DATE
fsr-3478	183	2	n ag e	ORG
fsr-3478	184	1	ec	ORG
fsr-3478	184	2	ea	CARDINAL
fsr-3478	185	1	li fe st y le ch o ic es .	PERSON
fsr-3478	187	1	2 3	DATE
fsr-3478	187	2	ea	CARDINAL
fsr-3478	188	1	al ra	PERSON
fsr-3478	189	1	o	DATE
fsr-3478	189	2	w	GPE
fsr-3478	189	3	u ld	GPE
fsr-3478	189	4	li	PERSON
fsr-3478	192	1	ia	GPE
fsr-3478	196	1	li	PERSON
fsr-3478	196	2	al lo	PERSON
fsr-3478	197	1	rt h	ORG
fsr-3478	198	1	t h	GPE
fsr-3478	198	2	ia	GPE
fsr-3478	198	3	u ce s	FAC
fsr-3478	198	4	o	DATE
fsr-3478	202	1	ec	ORG
fsr-3478	203	1	io	LOC
fsr-3478	203	2	ec	ORG
fsr-3478	203	3	es k n	PERSON
fsr-3478	205	1	ec	ORG
fsr-3478	206	1	t h	GPE
fsr-3478	206	2	ia	GPE
fsr-3478	208	1	ia	GPE
fsr-3478	209	1	k t h e st	ORG
fsr-3478	210	1	al ra	PERSON
fsr-3478	211	1	o	DATE
fsr-3478	211	2	li k e r et	PERSON
fsr-3478	211	3	ia	GPE
fsr-3478	212	1	t h	GPE
fsr-3478	212	2	io	LOC
fsr-3478	213	1	ec	ORG
fsr-3478	213	2	es k n	PERSON
fsr-3478	214	1	ec	ORG
fsr-3478	215	1	t h	GPE
fsr-3478	215	2	ia	GPE
fsr-3478	217	1	ia	GPE
fsr-3478	221	1	al p	ORG
fsr-3478	222	1	li	PERSON
fsr-3478	223	1	ea	CARDINAL
fsr-3478	224	1	ec	ORG
fsr-3478	224	2	g ce	FAC
fsr-3478	225	1	tu rn s. t h	ORG
fsr-3478	225	2	ia	GPE
fsr-3478	225	3	u en ce	ORG
fsr-3478	226	1	o	DATE
fsr-3478	226	2	n fa	PERSON
fsr-3478	226	3	ea	CARDINAL
fsr-3478	227	1	ia	GPE
fsr-3478	230	1	ec	ORG
fsr-3478	231	1	t h	GPE
fsr-3478	231	2	o ry v ar ia b le s th at ar e u se d	PERSON
fsr-3478	233	1	ia	GPE
fsr-3478	234	1	ia	GPE
fsr-3478	235	1	w al ra	PERSON
fsr-3478	236	1	li	PERSON
fsr-3478	236	2	al lo	PERSON
fsr-3478	238	1	il e o th er	ORG
fsr-3478	238	2	ia	GPE
fsr-3478	238	3	al iz ed ri sk	PERSON
fsr-3478	238	4	u en ce ri	ORG
fsr-3478	238	5	el ea	ORG
fsr-3478	240	1	m. athavale et	PERSON
fsr-3478	240	2	30	CARDINAL
fsr-3478	240	3	2022	CARDINAL
fsr-3478	240	4	125–143 133	CARDINAL
fsr-3478	240	5	american	NORP
fsr-3478	240	6	82	CARDINAL
fsr-3478	240	7	85	DATE
fsr-3478	240	8	89	CARDINAL
fsr-3478	240	9	one	CARDINAL
fsr-3478	240	10	age 95	DATE
fsr-3478	240	11	18%	PERCENT
fsr-3478	240	12	2016	DATE
fsr-3478	243	1	one	CARDINAL
fsr-3478	243	2	five	CARDINAL
fsr-3478	243	3	23	CARDINAL
fsr-3478	243	4	26	DATE
fsr-3478	243	5	29	DATE
fsr-3478	243	6	32	DATE
fsr-3478	243	7	35 years	DATE
fsr-3478	245	1	90 years	DATE
fsr-3478	245	2	age 67	DATE
fsr-3478	245	3	23-year	DATE
fsr-3478	245	4	the age 55	DATE
fsr-3478	245	5	35-year	DATE
fsr-3478	246	1	one	CARDINAL
fsr-3478	246	2	three	CARDINAL
fsr-3478	246	3	approximately 3.1%	PERCENT
fsr-3478	246	4	8%	PERCENT
fsr-3478	246	5	5.1%	PERCENT
fsr-3478	246	6	12%	PERCENT
fsr-3478	246	7	7.1%	PERCENT
fsr-3478	246	8	16%	PERCENT
fsr-3478	248	1	one	CARDINAL
fsr-3478	248	2	five	CARDINAL
fsr-3478	248	3	2.5%	PERCENT
fsr-3478	248	4	3.25%	PERCENT
fsr-3478	248	5	4%	PERCENT
fsr-3478	248	6	4.75%	PERCENT
fsr-3478	248	7	5.5%	PERCENT
fsr-3478	249	1	annual	DATE
fsr-3478	249	2	cooley et al	PERSON
fsr-3478	250	1	1998	DATE
fsr-3478	251	1	three	CARDINAL
fsr-3478	251	2	5	CARDINAL
fsr-3478	251	3	75	CARDINAL
fsr-3478	253	1	2.5%	PERCENT
fsr-3478	253	2	23-year	DATE
fsr-3478	254	1	annual	DATE
fsr-3478	254	2	approximately 3.1%	PERCENT
fsr-3478	254	3	8%	PERCENT
fsr-3478	254	4	any particular year	DATE
fsr-3478	255	1	each year	DATE
fsr-3478	256	1	the first year	DATE
fsr-3478	256	2	2.5%	PERCENT
fsr-3478	256	3	the end of the year	DATE
fsr-3478	256	4	23 years	DATE
fsr-3478	258	1	1965	DATE
fsr-3478	258	2	monthly	DATE
fsr-3478	259	1	1972	DATE
fsr-3478	259	2	french	NORP
fsr-3478	259	3	1990	DATE
fsr-3478	259	4	134	CARDINAL
fsr-3478	259	5	m. athavale et	PERSON
fsr-3478	259	6	30	CARDINAL
fsr-3478	259	7	2022	CARDINAL
fsr-3478	259	8	125–143	CARDINAL
fsr-3478	260	1	rachev	PERSON
fsr-3478	260	2	& bianchi	ORG
fsr-3478	260	3	2009	DATE
fsr-3478	260	4	272	CARDINAL
fsr-3478	260	5	levy & duchin	ORG
fsr-3478	260	6	2004	DATE
fsr-3478	260	7	48	CARDINAL
fsr-3478	261	1	four	CARDINAL
fsr-3478	261	2	annual	DATE
fsr-3478	262	1	four	CARDINAL
fsr-3478	264	1	75	CARDINAL
fsr-3478	264	2	four	CARDINAL
fsr-3478	265	1	2.5%	PERCENT
fsr-3478	265	2	23-year	DATE
fsr-3478	266	1	1	CARDINAL
fsr-3478	266	2	0	CARDINAL
fsr-3478	267	1	75	CARDINAL
fsr-3478	267	2	300	CARDINAL
fsr-3478	271	1	5	CARDINAL
fsr-3478	271	2	2:5%	PERCENT
fsr-3478	271	3	3:1%	PERCENT
fsr-3478	271	4	5	CARDINAL
fsr-3478	271	5	2:5%	PERCENT
fsr-3478	271	6	3:1%	PERCENT
fsr-3478	271	7	0%ð	CARDINAL
fsr-3478	271	8	the end of the fifth year	DATE
fsr-3478	271	9	2.5%	PERCENT
fsr-3478	271	10	each year	DATE
fsr-3478	271	11	3.1%	PERCENT
fsr-3478	271	12	12%	PERCENT
fsr-3478	273	1	the end of the fifth year	DATE
fsr-3478	273	2	the end of the fifth year	DATE
fsr-3478	273	3	2	CARDINAL
fsr-3478	274	1	100	CARDINAL
fsr-3478	275	1	300	CARDINAL
fsr-3478	275	2	100	CARDINAL
fsr-3478	275	3	300	CARDINAL
fsr-3478	275	4	100	CARDINAL
fsr-3478	275	5	30,000	CARDINAL
fsr-3478	277	1	2012	DATE
fsr-3478	277	2	spitzer	ORG
fsr-3478	277	3	strieter	PERSON
fsr-3478	277	4	singh	GPE
fsr-3478	277	5	2007	DATE
fsr-3478	277	6	m. athavale et	PERSON
fsr-3478	277	7	30	CARDINAL
fsr-3478	277	8	2022	CARDINAL
fsr-3478	278	1	125–143 135	CARDINAL
fsr-3478	278	2	four	CARDINAL
fsr-3478	279	1	5	CARDINAL
fsr-3478	279	2	1	CARDINAL
fsr-3478	279	3	30,000	CARDINAL
fsr-3478	279	4	3	CARDINAL
fsr-3478	280	1	83.3%	PERCENT
fsr-3478	280	2	24,989	CARDINAL
fsr-3478	280	3	30,000	CARDINAL
fsr-3478	281	1	87.83%	PERCENT
fsr-3478	281	2	8,783	CARDINAL
fsr-3478	281	3	10,000	CARDINAL
fsr-3478	281	4	76.34%	PERCENT
fsr-3478	282	1	2.50%	PERCENT
fsr-3478	282	2	99.13%	PERCENT
fsr-3478	282	3	5,948	CARDINAL
fsr-3478	282	4	6,000	CARDINAL
fsr-3478	282	5	5.50%	PERCENT
fsr-3478	282	6	59.08%	PERCENT
fsr-3478	283	1	23-year	DATE
fsr-3478	283	2	91.3%	PERCENT
fsr-3478	283	3	5,478	CARDINAL
fsr-3478	283	4	6,000	CARDINAL
fsr-3478	283	5	35-year	DATE
fsr-3478	283	6	75.73%	PERCENT
fsr-3478	285	1	4	CARDINAL
fsr-3478	285	2	2	CARDINAL
fsr-3478	285	3	2.50%	PERCENT
fsr-3478	285	4	1,033,998	CARDINAL
fsr-3478	285	5	100.20	CARDINAL
fsr-3478	285	6	170.27	CARDINAL
fsr-3478	285	7	3.25%	PERCENT
fsr-3478	285	8	994,054	CARDINAL
fsr-3478	285	9	100.20 46.39	MONEY
fsr-3478	285	10	4.00%	PERCENT
fsr-3478	285	11	954,110	CARDINAL
fsr-3478	285	12	44.89	CARDINAL
fsr-3478	285	13	174.71 4.75%	PERCENT
fsr-3478	285	14	914,166	CARDINAL
fsr-3478	285	15	100.21 43.26	MONEY
fsr-3478	285	16	177.23	CARDINAL
fsr-3478	285	17	5.50%	PERCENT
fsr-3478	285	18	179.97	MONEY
fsr-3478	285	19	2.50%	PERCENT
fsr-3478	285	20	100.10	CARDINAL
fsr-3478	285	21	206.12	CARDINAL
fsr-3478	285	22	3.25%	PERCENT
fsr-3478	285	23	1,103,597	CARDINAL
fsr-3478	285	24	100.10	MONEY
fsr-3478	285	25	208.77 4.00%	PERCENT
fsr-3478	285	26	1,062,118	CARDINAL
fsr-3478	285	27	35.80	CARDINAL
fsr-3478	285	28	4.75%	PERCENT
fsr-3478	285	29	1,020,638	CARDINAL
fsr-3478	285	30	5.50%	PERCENT
fsr-3478	285	31	32.48	CARDINAL
fsr-3478	285	32	218.10	MONEY
fsr-3478	285	33	2.50%	PERCENT
fsr-3478	285	34	3.25%	PERCENT
fsr-3478	285	35	1,241,476	CARDINAL
fsr-3478	285	36	4.00%	PERCENT
fsr-3478	285	37	4.75%	PERCENT
fsr-3478	285	38	1,154,706	CARDINAL
fsr-3478	285	39	5.50%	PERCENT
fsr-3478	285	40	101.75 16.59	MONEY
fsr-3478	285	41	293.65	CARDINAL
fsr-3478	286	1	the end of the fifth year	DATE
fsr-3478	287	1	the early years	DATE
fsr-3478	288	1	2,000	CARDINAL
fsr-3478	288	2	15	CARDINAL
fsr-3478	288	3	30,000	CARDINAL
fsr-3478	289	1	136	CARDINAL
fsr-3478	289	2	m. athavale et	PERSON
fsr-3478	289	3	30	CARDINAL
fsr-3478	289	4	2022	CARDINAL
fsr-3478	290	1	125–143	CARDINAL
fsr-3478	291	1	2.5%	PERCENT
fsr-3478	292	1	5.5%	PERCENT
fsr-3478	292	2	35 years	DATE
fsr-3478	292	3	65.5%	PERCENT
fsr-3478	292	4	3	CARDINAL
fsr-3478	292	5	2,366 7,634	CARDINAL
fsr-3478	292	6	1,428 8,572	CARDINAL
fsr-3478	292	7	1,217	CARDINAL
fsr-3478	292	8	2.50%	PERCENT
fsr-3478	292	9	3.25%	PERCENT
fsr-3478	292	10	253 5,747 4.00%	PERCENT
fsr-3478	292	11	731 5,269	PERCENT
fsr-3478	292	12	4.75%	PERCENT
fsr-3478	292	13	1,520	CARDINAL
fsr-3478	292	14	5.50%	PERCENT
fsr-3478	292	15	23 years	DATE
fsr-3478	292	16	26 years	DATE
fsr-3478	292	17	29 years	DATE
fsr-3478	292	18	32 years	DATE
fsr-3478	292	19	35 years 1,456	DATE
fsr-3478	292	20	4,544	CARDINAL
fsr-3478	292	21	24,989	CARDINAL
fsr-3478	293	1	n= 30,000	ORG
fsr-3478	294	1	30,000	CARDINAL
fsr-3478	296	1	4	CARDINAL
fsr-3478	296	2	23 years	DATE
fsr-3478	296	3	35 years	DATE
fsr-3478	296	4	2.50%	PERCENT
fsr-3478	296	5	100.00%	PERCENT
fsr-3478	296	6	100.00%	PERCENT
fsr-3478	296	7	99.50%	PERCENT
fsr-3478	296	8	99.75%	PERCENT
fsr-3478	296	9	99.00%	PERCENT
fsr-3478	296	10	3.25%	PERCENT
fsr-3478	296	11	99.75%	PERCENT
fsr-3478	296	12	98.75%	PERCENT
fsr-3478	296	13	96.00%	PERCENT
fsr-3478	296	14	95.75%	PERCENT
fsr-3478	296	15	91.25%	PERCENT
fsr-3478	296	16	4.00%	PERCENT
fsr-3478	296	17	96.00%	PERCENT
fsr-3478	296	18	93.00%	PERCENT
fsr-3478	296	19	83.25%	PERCENT
fsr-3478	296	20	79.50%	PERCENT
fsr-3478	296	21	71.00%	PERCENT
fsr-3478	296	22	4.75%	PERCENT
fsr-3478	296	23	88.25%	PERCENT
fsr-3478	296	24	76.75%	PERCENT
fsr-3478	296	25	59.75%	PERCENT
fsr-3478	296	26	50.25%	PERCENT
fsr-3478	296	27	37.25%	PERCENT
fsr-3478	296	28	5.50%	PERCENT
fsr-3478	296	29	66.50%	PERCENT
fsr-3478	296	30	47.75%	PERCENT
fsr-3478	296	31	38.75%	PERCENT
fsr-3478	296	32	23.50%	PERCENT
fsr-3478	296	33	17.25%	PERCENT
fsr-3478	296	34	2.50%	PERCENT
fsr-3478	296	35	99.75%	PERCENT
fsr-3478	296	36	99.50%	PERCENT
fsr-3478	296	37	99.75%	PERCENT
fsr-3478	296	38	98.50%	PERCENT
fsr-3478	296	39	99.00%	PERCENT
fsr-3478	296	40	3.25%	PERCENT
fsr-3478	296	41	99.25%	PERCENT
fsr-3478	296	42	97.50%	PERCENT
fsr-3478	296	43	96.00%	PERCENT
fsr-3478	296	44	94.50%	PERCENT
fsr-3478	296	45	93.25%	PERCENT
fsr-3478	296	46	4.00%	PERCENT
fsr-3478	296	47	95.50%	PERCENT
fsr-3478	296	48	92.75%	PERCENT
fsr-3478	296	49	90.50%	PERCENT
fsr-3478	296	50	84.50%	PERCENT
fsr-3478	296	51	84.00%	PERCENT
fsr-3478	296	52	4.75%	PERCENT
fsr-3478	296	53	86.50%	PERCENT
fsr-3478	296	54	83.50%	PERCENT
fsr-3478	296	55	83.00%	PERCENT
fsr-3478	296	56	73.50%	PERCENT
fsr-3478	296	57	68.25%	PERCENT
fsr-3478	296	58	5.50%	PERCENT
fsr-3478	296	59	77.25%	PERCENT
fsr-3478	296	60	70.75%	PERCENT
fsr-3478	296	61	65.50%	PERCENT
fsr-3478	296	62	56.75%	PERCENT
fsr-3478	296	63	53.75%	PERCENT
fsr-3478	296	64	2.50%	PERCENT
fsr-3478	296	65	98.75%	PERCENT
fsr-3478	296	66	99.00%	PERCENT
fsr-3478	296	67	98.00%	PERCENT
fsr-3478	296	68	98.50%	PERCENT
fsr-3478	296	69	98.00%	PERCENT
fsr-3478	296	70	3.25%	PERCENT
fsr-3478	296	71	96.50%	PERCENT
fsr-3478	296	72	96.00%	PERCENT
fsr-3478	296	73	94.75%	PERCENT
fsr-3478	296	74	94.00%	PERCENT
fsr-3478	296	75	93.50%	PERCENT
fsr-3478	296	76	4.00%	PERCENT
fsr-3478	296	77	94.50%	PERCENT
fsr-3478	296	78	92.50%	PERCENT
fsr-3478	296	79	88.50%	PERCENT
fsr-3478	296	80	84.50%	PERCENT
fsr-3478	296	81	87.25%	PERCENT
fsr-3478	296	82	4.75%	PERCENT
fsr-3478	296	83	89.25%	PERCENT
fsr-3478	296	84	86.00%	PERCENT
fsr-3478	296	85	82.25%	PERCENT
fsr-3478	296	86	77.75%	PERCENT
fsr-3478	296	87	77.75%	PERCENT
fsr-3478	296	88	5.50%	PERCENT
fsr-3478	296	89	81.75%	PERCENT
fsr-3478	296	90	78.75%	PERCENT
fsr-3478	296	91	73.50%	PERCENT
fsr-3478	296	92	69.00%	PERCENT
fsr-3478	296	93	65.50%	PERCENT
fsr-3478	298	1	24,989	CARDINAL
fsr-3478	298	2	30,000	CARDINAL
fsr-3478	299	1	m. athavale et	PERSON
fsr-3478	299	2	30	CARDINAL
fsr-3478	299	3	2022	CARDINAL
fsr-3478	300	1	125–143 137	CARDINAL
fsr-3478	300	2	only 53.75%	PERCENT
fsr-3478	300	3	17.25%	PERCENT
fsr-3478	301	1	4%	PERCENT
fsr-3478	301	2	29-year	DATE
fsr-3478	301	3	90.50%	PERCENT
fsr-3478	301	4	88.50%	PERCENT
fsr-3478	301	5	83.25%	PERCENT
fsr-3478	302	1	100% to 17.25%	PERCENT
fsr-3478	302	2	99.00%	PERCENT
fsr-3478	302	3	65.50%	PERCENT
fsr-3478	306	1	0	CARDINAL
fsr-3478	306	2	1	CARDINAL
fsr-3478	314	1	snell r2	PERSON
fsr-3478	314	2	46%	PERCENT
fsr-3478	314	3	r2	ORG
fsr-3478	314	4	78%	PERCENT
fsr-3478	314	5	mcfadden	PERSON
fsr-3478	314	6	69%	PERCENT
fsr-3478	315	1	1%	PERCENT
fsr-3478	315	2	wald x2	ORG
fsr-3478	319	1	0	CARDINAL
fsr-3478	320	1	5	CARDINAL
fsr-3478	323	1	138	CARDINAL
fsr-3478	323	2	m. athavale et	PERSON
fsr-3478	323	3	30	CARDINAL
fsr-3478	323	4	2022	CARDINAL
fsr-3478	323	5	125–143	CARDINAL
fsr-3478	324	1	5	CARDINAL
fsr-3478	325	1	0.1311	CARDINAL
fsr-3478	325	2	1	CARDINAL
fsr-3478	326	1	0.0154	CARDINAL
fsr-3478	326	2	1	CARDINAL
fsr-3478	329	1	0.1142	CARDINAL
fsr-3478	329	2	0.0993	CARDINAL
fsr-3478	330	1	5	CARDINAL
fsr-3478	330	2	wald v2	PERSON
fsr-3478	330	3	18.4342	CARDINAL
fsr-3478	330	4	0.6080	CARDINAL
fsr-3478	330	5	919.2899	CARDINAL
fsr-3478	330	6	3.1056	CARDINAL
fsr-3478	330	7	0.0552	CARDINAL
fsr-3478	330	8	3161.9001 0.045	CARDINAL
fsr-3478	330	9	0.1311	CARDINAL
fsr-3478	330	10	2.7052	MONEY
fsr-3478	330	11	0.7069	CARDINAL
fsr-3478	330	12	14.6443	CARDINAL
fsr-3478	330	13	0.1142	ORG
fsr-3478	330	14	2.3530	MONEY
fsr-3478	330	15	0.5821	CARDINAL
fsr-3478	330	16	16.3402	CARDINAL
fsr-3478	330	17	0.0993	CARDINAL
fsr-3478	330	18	0.00870	CARDINAL
fsr-3478	330	19	0.695	CARDINAL
fsr-3478	330	20	0.0154	CARDINAL
fsr-3478	330	21	1.5348	CARDINAL
fsr-3478	330	22	1384.7595	CARDINAL
fsr-3478	330	23	1.3722	CARDINAL
fsr-3478	330	24	0.0358	CARDINAL
fsr-3478	330	25	3.944	CARDINAL
fsr-3478	330	26	1.2288	MONEY
fsr-3478	330	27	0.0320	CARDINAL
fsr-3478	330	28	3.417 0.0519	CARDINAL
fsr-3478	330	29	2.648	CARDINAL
fsr-3478	330	30	38.9240	CARDINAL
fsr-3478	330	31	0.0112	CARDINAL
fsr-3478	330	32	0.3202	MONEY
fsr-3478	330	33	72.1836	CARDINAL
fsr-3478	330	34	0.0135	CARDINAL
fsr-3478	330	35	0.0317	CARDINAL
fsr-3478	330	36	166.5041	CARDINAL
fsr-3478	330	37	0.0173	CARDINAL
fsr-3478	330	38	0.0781	CARDINAL
fsr-3478	330	39	0.00178	CARDINAL
fsr-3478	330	40	1916.2730 1.081	DATE
fsr-3478	330	41	0.0033	CARDINAL
fsr-3478	330	42	69%	PERCENT
fsr-3478	331	1	n= 30,000	ORG
fsr-3478	333	1	1%	PERCENT
fsr-3478	335	1	m. athavale et	PERSON
fsr-3478	335	2	30	CARDINAL
fsr-3478	335	3	2022	CARDINAL
fsr-3478	336	1	125–143 139	CARDINAL
fsr-3478	338	1	6	CARDINAL
fsr-3478	339	1	three	CARDINAL
fsr-3478	341	1	1	CARDINAL
fsr-3478	343	1	6	CARDINAL
fsr-3478	350	1	6	CARDINAL
fsr-3478	350	2	14.62	CARDINAL
fsr-3478	350	3	2.11	CARDINAL
fsr-3478	350	4	2.84	CARDINAL
fsr-3478	350	5	0.1137	CARDINAL
fsr-3478	350	6	4.62	CARDINAL
fsr-3478	350	7	0.32	CARDINAL
fsr-3478	350	8	0.06	CARDINAL
fsr-3478	350	9	0.93	CARDINAL
fsr-3478	350	10	0.31	CARDINAL
fsr-3478	350	11	0.38	CARDINAL
fsr-3478	350	12	0.0163	CARDINAL
fsr-3478	350	13	66%	PERCENT
fsr-3478	350	14	68%	PERCENT
fsr-3478	350	15	75%	PERCENT
fsr-3478	351	1	n= 10,000	LAW
fsr-3478	351	2	three	CARDINAL
fsr-3478	352	1	1%	PERCENT
fsr-3478	354	1	140	CARDINAL
fsr-3478	354	2	m. athavale et	PERSON
fsr-3478	354	3	30	CARDINAL
fsr-3478	354	4	2022	CARDINAL
fsr-3478	354	5	125–143	CARDINAL
fsr-3478	355	1	robinson	PERSON
fsr-3478	355	2	1994	DATE
fsr-3478	363	1	years	DATE
fsr-3478	374	1	the end of every year	DATE
fsr-3478	374	2	monthly	DATE
fsr-3478	374	3	quarterly	DATE
fsr-3478	376	1	estrada	ORG
fsr-3478	376	2	kritzman	PERSON
fsr-3478	376	3	2019	DATE
fsr-3478	377	1	one	CARDINAL
fsr-3478	377	2	m. athavale et	PERSON
fsr-3478	377	3	30	CARDINAL
fsr-3478	377	4	2022	CARDINAL
fsr-3478	378	1	125–143 141	CARDINAL
fsr-3478	381	1	m., & goebel	ORG
fsr-3478	381	2	j. (2011	ORG
fsr-3478	383	1	24	CARDINAL
fsr-3478	383	2	36–43	CARDINAL
fsr-3478	384	1	s., & thaler	ORG
fsr-3478	384	2	r.	NORP
fsr-3478	384	3	2007	DATE
fsr-3478	386	1	21	CARDINAL
fsr-3478	386	2	81–104	LOC
fsr-3478	387	1	w.	PERSON
fsr-3478	387	2	1994	DATE
fsr-3478	389	1	journal of financial planning	ORG
fsr-3478	389	2	7	CARDINAL
fsr-3478	389	3	171	CARDINAL
fsr-3478	389	4	180	CARDINAL
fsr-3478	389	5	bierwirth	PERSON
fsr-3478	389	6	1994	DATE
fsr-3478	391	1	7	CARDINAL
fsr-3478	392	1	biggs, a., & springstead	ORG
fsr-3478	392	2	2008	DATE
fsr-3478	394	1	68	DATE
fsr-3478	394	2	blanchett	GPE
fsr-3478	394	3	d., & blanchett	ORG
fsr-3478	394	4	2008	DATE
fsr-3478	396	1	21	DATE
fsr-3478	397	1	blanchett	PERSON
fsr-3478	397	2	d.	NORP
fsr-3478	397	3	m., & pfau	ORG
fsr-3478	397	4	w.	PERSON
fsr-3478	397	5	2014	DATE
fsr-3478	399	1	16	CARDINAL
fsr-3478	400	1	https://doi.org/10.3905/jwm.2013.16.2.055 blanchett	PERSON
fsr-3478	400	2	d., & frank	ORG
fsr-3478	400	3	2009	DATE
fsr-3478	402	1	22	CARDINAL
fsr-3478	403	1	bonsang	GPE
fsr-3478	403	2	e., adam, s., & perelman	ORG
fsr-3478	403	3	s.	PERSON
fsr-3478	403	4	2012	DATE
fsr-3478	405	1	journal of health economics	ORG
fsr-3478	405	2	31	DATE
fsr-3478	405	3	490–501	CARDINAL
fsr-3478	406	1	t., cheng	PERSON
fsr-3478	406	2	2016	DATE
fsr-3478	408	1	29	CARDINAL
fsr-3478	408	2	42–53	CARDINAL
fsr-3478	408	3	clare, a.	ORG
fsr-3478	408	4	seaton	GPE
fsr-3478	408	5	j., smith, p., & thomas	ORG
fsr-3478	408	6	s.	PERSON
fsr-3478	408	7	2017	CARDINAL
fsr-3478	410	1	financial analysts journal	ORG
fsr-3478	410	2	73	CARDINAL
fsr-3478	410	3	91–103	CARDINAL
fsr-3478	411	1	https://doi.org/10.2469/faj.v73.n4.5 clare	PERSON
fsr-3478	411	2	a.	GPE
fsr-3478	411	3	seaton	GPE
fsr-3478	411	4	j., smith, p., & thomas	ORG
fsr-3478	411	5	s.	PERSON
fsr-3478	411	6	2021	CARDINAL
fsr-3478	413	1	finance & economics	ORG
fsr-3478	413	2	26	DATE
fsr-3478	413	3	27–41	CARDINAL
fsr-3478	414	1	collins	PERSON
fsr-3478	414	2	lam, h., & stampfli	ORG
fsr-3478	414	3	j. (	ORG
fsr-3478	414	4	2015	DATE
fsr-3478	416	1	24	CARDINAL
fsr-3478	416	2	193–216	CARDINAL
fsr-3478	417	1	cooley, p.	ORG
fsr-3478	417	2	hubbard	GPE
fsr-3478	417	3	d.	NORP
fsr-3478	417	4	1998	DATE
fsr-3478	419	1	american association of individual investors journal	ORG
fsr-3478	419	2	20	CARDINAL
fsr-3478	420	1	cooley, p.	ORG
fsr-3478	420	2	hubbard	GPE
fsr-3478	420	3	d.	NORP
fsr-3478	420	4	2003	DATE
fsr-3478	422	1	12	CARDINAL
fsr-3478	422	2	115–128	DATE
fsr-3478	423	1	cooley, p.	ORG
fsr-3478	423	2	hubbard	GPE
fsr-3478	423	3	2011	DATE
fsr-3478	425	1	journal of financial planning	ORG
fsr-3478	425	2	24	CARDINAL
fsr-3478	426	1	j., & robinson	ORG
fsr-3478	426	2	j. (	PERSON
fsr-3478	426	3	2017	CARDINAL
fsr-3478	428	1	30	CARDINAL
fsr-3478	428	2	54–62	CARDINAL
fsr-3478	428	3	dimson	GPE
fsr-3478	428	4	& staunton	GPE
fsr-3478	428	5	m. (2004	PERSON
fsr-3478	430	1	60	CARDINAL
fsr-3478	430	2	15–25	DATE
fsr-3478	431	1	j. (2018	ORG
fsr-3478	433	1	5	CARDINAL
fsr-3478	433	2	57–71	DATE
fsr-3478	434	1	https://doi.org/10.3905/jor.2018.5.3.057 estrada	PERSON
fsr-3478	434	2	j. (	PERSON
fsr-3478	434	3	2019	DATE
fsr-3478	436	1	32	CARDINAL
fsr-3478	436	2	46–53	CARDINAL
fsr-3478	437	1	estrada	ORG
fsr-3478	437	2	j. (2020	PERSON
fsr-3478	439	1	7	CARDINAL
fsr-3478	439	2	28–38	CARDINAL
fsr-3478	440	1	142	CARDINAL
fsr-3478	440	2	m. athavale et	PERSON
fsr-3478	440	3	30	CARDINAL
fsr-3478	440	4	2022	CARDINAL
fsr-3478	441	1	125–143	CARDINAL
fsr-3478	441	2	j., & kritzman	ORG
fsr-3478	441	3	m.	PERSON
fsr-3478	441	4	2019	DATE
fsr-3478	443	1	7	CARDINAL
fsr-3478	443	2	35–42	CARDINAL
fsr-3478	444	1	https://doi.org/10.3905/jor.2019.1.052 fama	PERSON
fsr-3478	444	2	e.	PERSON
fsr-3478	444	3	1965	DATE
fsr-3478	446	1	the journal of business	ORG
fsr-3478	446	2	38	DATE
fsr-3478	446	3	34–105	CARDINAL
fsr-3478	446	4	10.1086/294743 finke	QUANTITY
fsr-3478	446	5	m.	PERSON
fsr-3478	446	6	w., & blanchett	ORG
fsr-3478	446	7	2013	DATE
fsr-3478	447	1	the 4 percent	PERCENT
fsr-3478	448	1	journal of financial planning	ORG
fsr-3478	448	2	26	CARDINAL
fsr-3478	448	3	46–55	DATE
fsr-3478	449	1	gray	ORG
fsr-3478	449	2	j., & french	ORG
fsr-3478	449	3	1990	DATE
fsr-3478	451	1	journal of business finance & accounting	ORG
fsr-3478	451	2	17	CARDINAL
fsr-3478	451	3	451–459	CARDINAL
fsr-3478	452	1	https://doi.org/10.1111/j.1468-5957.1990.tb01197.x guyton	PERSON
fsr-3478	452	2	j. (	PERSON
fsr-3478	452	3	2004	DATE
fsr-3478	454	1	17	CARDINAL
fsr-3478	454	2	54–62	CARDINAL
fsr-3478	455	1	ho, k., milevsky	PERSON
fsr-3478	455	2	m., & robinson	ORG
fsr-3478	455	3	c.	PERSON
fsr-3478	455	4	1994	DATE
fsr-3478	457	1	3	CARDINAL
fsr-3478	457	2	109–126	CARDINAL
fsr-3478	458	1	korniotis	GPE
fsr-3478	458	2	2011	DATE
fsr-3478	460	1	93	CARDINAL
fsr-3478	460	2	244–265	CARDINAL
fsr-3478	461	1	kring	GPE
fsr-3478	461	2	s.	PERSON
fsr-3478	461	3	rachev	PERSON
fsr-3478	461	4	s.	PERSON
fsr-3478	461	5	f., & bianchi	ORG
fsr-3478	461	6	2009	DATE
fsr-3478	463	1	econometrics	ORG
fsr-3478	463	2	12	CARDINAL
fsr-3478	463	3	272–291	CARDINAL
fsr-3478	464	1	h., & duchin	ORG
fsr-3478	464	2	r.	PERSON
fsr-3478	464	3	2004	DATE
fsr-3478	466	1	30	CARDINAL
fsr-3478	466	2	47–62	CARDINAL
fsr-3478	467	1	https://doi.org/10.3905/jpm.2004.412319 liu	PERSON
fsr-3478	467	2	q.	PERSON
fsr-3478	467	3	chang	PERSON
fsr-3478	467	4	r.	NORP
fsr-3478	467	5	de jong	PERSON
fsr-3478	467	6	j., & robinson	ORG
fsr-3478	467	7	j.	PERSON
fsr-3478	467	8	2009	DATE
fsr-3478	469	1	18	CARDINAL
fsr-3478	469	2	123–139	CARDINAL
fsr-3478	469	3	r.	PERSON
fsr-3478	469	4	2014	DATE
fsr-3478	471	1	harvard business review	ORG
fsr-3478	471	2	92	CARDINAL
fsr-3478	471	3	42–50	CARDINAL
fsr-3478	472	1	milevsky	ORG
fsr-3478	472	2	m., & robinson	ORG
fsr-3478	472	3	c. (2005	GPE
fsr-3478	474	1	financial analysts journal	ORG
fsr-3478	474	2	61	CARDINAL
fsr-3478	474	3	89–100	CARDINAL
fsr-3478	475	1	r.	PERSON
fsr-3478	475	2	1972	DATE
fsr-3478	477	1	the american statistical association	ORG
fsr-3478	477	2	67	DATE
fsr-3478	477	3	807	CARDINAL
fsr-3478	477	4	812	CARDINAL
fsr-3478	478	1	w.	PERSON
fsr-3478	478	2	2010	DATE
fsr-3478	479	1	4%	PERCENT
fsr-3478	480	1	23	CARDINAL
fsr-3478	480	2	51–61	CARDINAL
fsr-3478	481	1	w.	PERSON
fsr-3478	481	2	2012	DATE
fsr-3478	483	1	25	CARDINAL
fsr-3478	483	2	36–43	CARDINAL
fsr-3478	483	3	pye	PERSON
fsr-3478	483	4	2000	DATE
fsr-3478	485	1	26	CARDINAL
fsr-3478	486	1	c., & tahani	ORG
fsr-3478	486	2	n.	PERSON
fsr-3478	486	3	2010	DATE
fsr-3478	488	1	19	CARDINAL
fsr-3478	488	2	187–202	CARDINAL
fsr-3478	488	3	j. (	PERSON
fsr-3478	488	4	2020	DATE
fsr-3478	490	1	retirement management journal	ORG
fsr-3478	490	2	9	CARDINAL
fsr-3478	491	1	scott	ORG
fsr-3478	491	2	j., sharpe	ORG
fsr-3478	491	3	w., & watson	ORG
fsr-3478	491	4	j.	PERSON
fsr-3478	491	5	2009	DATE
fsr-3478	492	1	4%	PERCENT
fsr-3478	493	1	7	CARDINAL
fsr-3478	493	2	31–48	CARDINAL
fsr-3478	494	1	spitzer	ORG
fsr-3478	494	2	j.	PERSON
fsr-3478	494	3	j., & singh	ORG
fsr-3478	494	4	s.	GPE
fsr-3478	494	5	2007	DATE
fsr-3478	496	1	20	CARDINAL
fsr-3478	497	1	r., & mitchell	ORG
fsr-3478	497	2	j. (	PERSON
fsr-3478	497	3	2006	DATE
fsr-3478	499	1	15	CARDINAL
fsr-3478	499	2	117	CARDINAL
fsr-3478	499	3	131	CARDINAL
fsr-3478	500	1	m. athavale et	PERSON
fsr-3478	500	2	30	CARDINAL
fsr-3478	500	3	2022	CARDINAL
fsr-3478	500	4	125–143 143	CARDINAL