id	sid	eid	entity	type
fsr-3531	1	1	brent j. davisa	PERSON
fsr-3531	1	2	david p. richardsona	PERSON
fsr-3531	1	3	jason s. seligmanb atiaa institute	PERSON
fsr-3531	1	4	8500	CARDINAL
fsr-3531	1	5	andrew carnegie boulevard	PERSON
fsr-3531	1	6	charlotte	GPE
fsr-3531	1	7	nc	GPE
fsr-3531	1	8	28262	DATE
fsr-3531	1	9	usa binvestment company institute	ORG
fsr-3531	1	10	1401	CARDINAL
fsr-3531	1	11	washington	GPE
fsr-3531	1	12	20005	DATE
fsr-3531	5	1	2023	CARDINAL
fsr-3531	7	1	jel classifications: d14	ORG
fsr-3531	7	2	1	CARDINAL
fsr-3531	7	3	the last several decades	DATE
fsr-3531	9	1	mitchell	PERSON
fsr-3531	9	2	2014	DATE
fsr-3531	13	1	b. j. davis	PERSON
fsr-3531	13	2	1057-0810/23/$	DATE
fsr-3531	13	3	2023	CARDINAL
fsr-3531	15	1	31	CARDINAL
fsr-3531	15	2	2023	CARDINAL
fsr-3531	15	3	133–150	CARDINAL
fsr-3531	25	1	michaud	PERSON
fsr-3531	25	2	2017	CARDINAL
fsr-3531	30	1	two	CARDINAL
fsr-3531	31	1	first	ORDINAL
fsr-3531	33	1	nearly half	CARDINAL
fsr-3531	35	1	134	CARDINAL
fsr-3531	35	2	b. j. davis et al	PERSON
fsr-3531	35	3	31	CARDINAL
fsr-3531	35	4	2023	CARDINAL
fsr-3531	36	1	133–150	CARDINAL
fsr-3531	36	2	2016	CARDINAL
fsr-3531	36	3	anderson et al	PERSON
fsr-3531	36	4	2017	CARDINAL
fsr-3531	38	1	2	CARDINAL
fsr-3531	40	1	5	CARDINAL
fsr-3531	40	2	7 inch	QUANTITY
fsr-3531	40	3	three	CARDINAL
fsr-3531	44	1	five-minute	TIME
fsr-3531	44	2	meeting.5 two weeks	DATE
fsr-3531	44	3	17,819	CARDINAL
fsr-3531	48	1	one month	DATE
fsr-3531	48	2	mid-september	DATE
fsr-3531	48	3	mid-october	DATE
fsr-3531	49	1	four-week	DATE
fsr-3531	49	2	up to four	CARDINAL
fsr-3531	51	1	1	CARDINAL
fsr-3531	52	1	approximately 60%	PERCENT
fsr-3531	52	2	2015	CARDINAL
fsr-3531	53	1	2,487	CARDINAL
fsr-3531	53	2	14%	PERCENT
fsr-3531	54	1	second	ORDINAL
fsr-3531	55	1	1,632	CARDINAL
fsr-3531	56	1	1,632	CARDINAL
fsr-3531	56	2	roughly two-thirds	CARDINAL
fsr-3531	56	3	1,101	CARDINAL
fsr-3531	56	4	b. j. davis et al	PERSON
fsr-3531	56	5	31	CARDINAL
fsr-3531	56	6	2023	CARDINAL
fsr-3531	56	7	133–150	CARDINAL
fsr-3531	56	8	135	CARDINAL
fsr-3531	59	1	two	CARDINAL
fsr-3531	59	2	mid-day	DATE
fsr-3531	59	3	two early evening	TIME
fsr-3531	60	1	the previous year	DATE
fsr-3531	61	1	3	CARDINAL
fsr-3531	63	1	section 3.2	LAW
fsr-3531	64	1	section 3.3	LAW
fsr-3531	65	1	3.1	CARDINAL
fsr-3531	66	1	1	CARDINAL
fsr-3531	67	1	nearly 30 years old	DATE
fsr-3531	67	2	almost 10	CARDINAL
fsr-3531	68	1	57%	PERCENT
fsr-3531	68	2	approximately a quarter	DATE
fsr-3531	69	1	1	CARDINAL
fsr-3531	70	1	136	CARDINAL
fsr-3531	70	2	b. j. davis et al	PERSON
fsr-3531	70	3	31	CARDINAL
fsr-3531	70	4	2023	CARDINAL
fsr-3531	70	5	133–150	CARDINAL
fsr-3531	70	6	57%	PERCENT
fsr-3531	70	7	nearly one	CARDINAL
fsr-3531	70	8	four	CARDINAL
fsr-3531	71	1	half	CARDINAL
fsr-3531	71	2	less than 10%	PERCENT
fsr-3531	72	1	about two-thirds	CARDINAL
fsr-3531	73	1	four	CARDINAL
fsr-3531	74	1	37%	PERCENT
fsr-3531	74	2	27%	PERCENT
fsr-3531	74	3	20%	PERCENT
fsr-3531	74	4	14%	PERCENT
fsr-3531	75	1	2	CARDINAL
fsr-3531	76	1	nearly 18,000	CARDINAL
fsr-3531	76	2	about 14%	PERCENT
fsr-3531	76	3	2,487	CARDINAL
fsr-3531	77	1	1,101	CARDINAL
fsr-3531	77	2	16%	PERCENT
fsr-3531	77	3	176	CARDINAL
fsr-3531	78	1	36%	PERCENT
fsr-3531	78	2	64	DATE
fsr-3531	78	3	44	CARDINAL
fsr-3531	78	4	20	CARDINAL
fsr-3531	79	1	25%	PERCENT
fsr-3531	79	2	8%	PERCENT
fsr-3531	80	1	39%	PERCENT
fsr-3531	80	2	29%	PERCENT
fsr-3531	82	1	3	CARDINAL
fsr-3531	83	1	12).9	CARDINAL
fsr-3531	83	2	1	CARDINAL
fsr-3531	83	3	7	CARDINAL
fsr-3531	84	1	1	CARDINAL
fsr-3531	84	2	29.5 7.5 2,487	CARDINAL
fsr-3531	84	3	0.50 2,487	CARDINAL
fsr-3531	84	4	9.8 5.1 2,487	CARDINAL
fsr-3531	84	5	0.02 2,487	CARDINAL
fsr-3531	84	6	0.37 2,306	CARDINAL
fsr-3531	84	7	0.07 2,487	CARDINAL
fsr-3531	84	8	0.57 2,487	CARDINAL
fsr-3531	84	9	0.27 2,487	CARDINAL
fsr-3531	84	10	0.26 2,487	CARDINAL
fsr-3531	84	11	0.08 2,487	CARDINAL
fsr-3531	84	12	0.24 2,487	CARDINAL
fsr-3531	84	13	post-doc	NORP
fsr-3531	84	14	0.57 2,487	CARDINAL
fsr-3531	84	15	0.68 2,288	CARDINAL
fsr-3531	84	16	0.20 2,487	CARDINAL
fsr-3531	84	17	0.27 2,487	CARDINAL
fsr-3531	84	18	0.38 2,487	CARDINAL
fsr-3531	85	1	0.14 2,487	CARDINAL
fsr-3531	85	2	b. j. davis et al	PERSON
fsr-3531	85	3	31	CARDINAL
fsr-3531	85	4	2023	CARDINAL
fsr-3531	85	5	133–150	CARDINAL
fsr-3531	85	6	0 to 1	CARDINAL
fsr-3531	86	1	0.5	CARDINAL
fsr-3531	86	2	0.5	CARDINAL
fsr-3531	87	1	0	CARDINAL
fsr-3531	87	2	0	CARDINAL
fsr-3531	87	3	12	CARDINAL
fsr-3531	87	4	7	CARDINAL
fsr-3531	87	5	1	CARDINAL
fsr-3531	88	1	0.5	CARDINAL
fsr-3531	89	1	1	CARDINAL
fsr-3531	89	2	5	CARDINAL
fsr-3531	89	3	five	CARDINAL
fsr-3531	89	4	5	CARDINAL
fsr-3531	89	5	25	CARDINAL
fsr-3531	89	6	0	CARDINAL
fsr-3531	89	7	1	CARDINAL
fsr-3531	91	1	3	CARDINAL
fsr-3531	91	2	65%	PERCENT
fsr-3531	91	3	groups.10	ORG
fsr-3531	91	4	4.7	CARDINAL
fsr-3531	91	5	7	CARDINAL
fsr-3531	91	6	3	CARDINAL
fsr-3531	91	7	0–12	CARDINAL
fsr-3531	91	8	7.81	CARDINAL
fsr-3531	91	9	7.71	CARDINAL
fsr-3531	91	10	4.67	CARDINAL
fsr-3531	91	11	4.42 5.28 4.73	CARDINAL
fsr-3531	91	12	0.52	CARDINAL
fsr-3531	91	13	0.51	CARDINAL
fsr-3531	91	14	0.72	CARDINAL
fsr-3531	91	15	0.71 0.73	CARDINAL
fsr-3531	91	16	14%	PERCENT
fsr-3531	91	17	14%	PERCENT
fsr-3531	91	18	14%	PERCENT
fsr-3531	91	19	14%	PERCENT
fsr-3531	91	20	14%	PERCENT
fsr-3531	91	21	48	CARDINAL
fsr-3531	91	22	46 50	CARDINAL
fsr-3531	91	23	16 17	CARDINAL
fsr-3531	91	24	36	CARDINAL
fsr-3531	93	1	2	CARDINAL
fsr-3531	93	2	2,487	CARDINAL
fsr-3531	93	3	17,819 0.14	CARDINAL
fsr-3531	93	4	1,101	CARDINAL
fsr-3531	93	5	1,632 0.67	CARDINAL
fsr-3531	93	6	511 1,101 0.46	CARDINAL
fsr-3531	93	7	176	CARDINAL
fsr-3531	93	8	1,101 0.16	CARDINAL
fsr-3531	93	9	64	CARDINAL
fsr-3531	93	10	0.36	CARDINAL
fsr-3531	93	11	383	CARDINAL
fsr-3531	93	12	0.25	CARDINAL
fsr-3531	93	13	50	CARDINAL
fsr-3531	93	14	0.39	CARDINAL
fsr-3531	93	15	b. j. davis et al	PERSON
fsr-3531	93	16	31	CARDINAL
fsr-3531	93	17	2023	CARDINAL
fsr-3531	94	1	133–150	CARDINAL
fsr-3531	94	2	5.28	CARDINAL
fsr-3531	94	3	4.60	CARDINAL
fsr-3531	99	1	4	CARDINAL
fsr-3531	103	1	nine	CARDINAL
fsr-3531	103	2	10	CARDINAL
fsr-3531	103	3	three	CARDINAL
fsr-3531	103	4	four	CARDINAL
fsr-3531	104	1	third	ORDINAL
fsr-3531	105	1	38%	PERCENT
fsr-3531	105	2	22%	PERCENT
fsr-3531	105	3	50%	PERCENT
fsr-3531	108	1	over half	CARDINAL
fsr-3531	110	1	4	CARDINAL
fsr-3531	110	2	90%	PERCENT
fsr-3531	110	3	93%	PERCENT
fsr-3531	110	4	88%	PERCENT
fsr-3531	110	5	88%	PERCENT
fsr-3531	110	6	90%	PERCENT
fsr-3531	110	7	74	CARDINAL
fsr-3531	110	8	75	CARDINAL
fsr-3531	110	9	38	CARDINAL
fsr-3531	110	10	34	CARDINAL
fsr-3531	110	11	38 42	CARDINAL
fsr-3531	110	12	9 12 9 5 8	DATE
fsr-3531	110	13	19	CARDINAL
fsr-3531	110	14	22	CARDINAL
fsr-3531	110	15	28	CARDINAL
fsr-3531	110	16	30 22 15 36	TIME
fsr-3531	110	17	56	CARDINAL
fsr-3531	110	18	46 61	CARDINAL
fsr-3531	110	19	31	CARDINAL
fsr-3531	110	20	26	CARDINAL
fsr-3531	110	21	37	CARDINAL
fsr-3531	110	22	25	CARDINAL
fsr-3531	110	23	22	CARDINAL
fsr-3531	110	24	21 12	DATE
fsr-3531	110	25	27 28	CARDINAL
fsr-3531	110	26	46	CARDINAL
fsr-3531	110	27	43	CARDINAL
fsr-3531	110	28	b. j. davis et al	PERSON
fsr-3531	110	29	31	CARDINAL
fsr-3531	110	30	2023	CARDINAL
fsr-3531	110	31	133–150	CARDINAL
fsr-3531	112	1	about one	CARDINAL
fsr-3531	112	2	five	CARDINAL
fsr-3531	112	3	roughly 50%	PERCENT
fsr-3531	112	4	one	CARDINAL
fsr-3531	112	5	the next 10 years	DATE
fsr-3531	114	1	3.2	CARDINAL
fsr-3531	115	1	nearly half	CARDINAL
fsr-3531	115	2	48%	PERCENT
fsr-3531	116	1	5	CARDINAL
fsr-3531	119	1	5	CARDINAL
fsr-3531	119	2	8.31 7.19	CARDINAL
fsr-3531	119	3	4.59 4.82	CARDINAL
fsr-3531	119	4	0.55 0.48	CARDINAL
fsr-3531	119	5	0.75 0.69	CARDINAL
fsr-3531	119	6	98%	PERCENT
fsr-3531	119	7	81%	PERCENT
fsr-3531	119	8	83 65	CARDINAL
fsr-3531	119	9	42 34	CARDINAL
fsr-3531	119	10	37 31	DATE
fsr-3531	119	11	11%	PERCENT
fsr-3531	119	12	7%	PERCENT
fsr-3531	120	1	21 18	DATE
fsr-3531	120	2	32 24	QUANTITY
fsr-3531	120	3	64 48	CARDINAL
fsr-3531	120	4	37%	PERCENT
fsr-3531	120	5	26%	PERCENT
fsr-3531	120	6	23 17	CARDINAL
fsr-3531	120	7	20 20	CARDINAL
fsr-3531	120	8	21%	PERCENT
fsr-3531	120	9	23%	PERCENT
fsr-3531	120	10	55 39	CARDINAL
fsr-3531	123	1	the 10% and 1%	PERCENT
fsr-3531	124	1	140	CARDINAL
fsr-3531	124	2	b. j. davis et al	PERSON
fsr-3531	124	3	31	CARDINAL
fsr-3531	124	4	2023	CARDINAL
fsr-3531	124	5	133–150	CARDINAL
fsr-3531	124	6	about 1.2	CARDINAL
fsr-3531	127	1	2	CARDINAL
fsr-3531	128	1	two	CARDINAL
fsr-3531	128	2	0.5	CARDINAL
fsr-3531	129	1	0.07	CARDINAL
fsr-3531	129	2	1.68	CARDINAL
fsr-3531	129	3	12	CARDINAL
fsr-3531	130	1	0.07	CARDINAL
fsr-3531	130	2	0.84	CARDINAL
fsr-3531	132	1	6	CARDINAL
fsr-3531	132	2	3	CARDINAL
fsr-3531	133	1	6	CARDINAL
fsr-3531	133	2	four	CARDINAL
fsr-3531	134	1	fig	ORG
fsr-3531	135	1	3	CARDINAL
fsr-3531	135	2	6	CARDINAL
fsr-3531	135	3	z	ORG
fsr-3531	136	1	70%	PERCENT
fsr-3531	137	1	less than 30%	PERCENT
fsr-3531	139	1	2	CARDINAL
fsr-3531	140	1	b. j. davis et al	PERSON
fsr-3531	140	2	31	CARDINAL
fsr-3531	140	3	2023	CARDINAL
fsr-3531	140	4	133–150 141	CARDINAL
fsr-3531	141	1	4	CARDINAL
fsr-3531	142	1	two	CARDINAL
fsr-3531	142	2	appendix	NORP
fsr-3531	143	1	fig	PERSON
fsr-3531	144	1	4	CARDINAL
fsr-3531	145	1	3	CARDINAL
fsr-3531	147	1	above 60%	PERCENT
fsr-3531	147	2	45%	PERCENT
fsr-3531	148	1	6	CARDINAL
fsr-3531	148	2	0–25%	PERCENT
fsr-3531	148	3	26–50%	PERCENT
fsr-3531	148	4	51–75%	PERCENT
fsr-3531	148	5	76–100%	PERCENT
fsr-3531	149	1	n 1	ORG
fsr-3531	149	2	50%	PERCENT
fsr-3531	149	3	80%	PERCENT
fsr-3531	149	4	50%	PERCENT
fsr-3531	149	5	0%	PERCENT
fsr-3531	149	6	55%	PERCENT
fsr-3531	149	7	20 2 29%	DATE
fsr-3531	149	8	65%	PERCENT
fsr-3531	149	9	72%	PERCENT
fsr-3531	149	10	82%	PERCENT
fsr-3531	149	11	63%	PERCENT
fsr-3531	149	12	80 3	DATE
fsr-3531	149	13	26%	PERCENT
fsr-3531	149	14	61%	PERCENT
fsr-3531	149	15	68%	PERCENT
fsr-3531	149	16	70%	PERCENT
fsr-3531	149	17	62%	PERCENT
fsr-3531	149	18	236 4 20%	PERCENT
fsr-3531	149	19	49%	PERCENT
fsr-3531	149	20	61%	PERCENT
fsr-3531	149	21	58%	PERCENT
fsr-3531	149	22	56%	PERCENT
fsr-3531	149	23	646 5 22%	PERCENT
fsr-3531	149	24	30%	PERCENT
fsr-3531	149	25	64%	PERCENT
fsr-3531	149	26	59%	PERCENT
fsr-3531	149	27	57%	PERCENT
fsr-3531	149	28	481 6	DATE
fsr-3531	149	29	6%	PERCENT
fsr-3531	149	30	30%	PERCENT
fsr-3531	149	31	57%	PERCENT
fsr-3531	149	32	55%	PERCENT
fsr-3531	149	33	51%	PERCENT
fsr-3531	149	34	484 7	DATE
fsr-3531	149	35	22%	PERCENT
fsr-3531	149	36	0%	PERCENT
fsr-3531	149	37	50%	PERCENT
fsr-3531	149	38	45%	PERCENT
fsr-3531	149	39	42%	PERCENT
fsr-3531	150	1	20%	PERCENT
fsr-3531	150	2	55%	PERCENT
fsr-3531	150	3	62%	PERCENT
fsr-3531	150	4	39%	PERCENT
fsr-3531	150	5	48%	PERCENT
fsr-3531	150	6	2,100	CARDINAL
fsr-3531	151	1	3	CARDINAL
fsr-3531	152	1	142	CARDINAL
fsr-3531	152	2	b. j. davis et al	PERSON
fsr-3531	152	3	31	CARDINAL
fsr-3531	152	4	2023	CARDINAL
fsr-3531	152	5	133–150	CARDINAL
fsr-3531	152	6	under 6%	PERCENT
fsr-3531	152	7	only 11%	PERCENT
fsr-3531	154	1	3.3	CARDINAL
fsr-3531	155	1	first	ORDINAL
fsr-3531	156	1	7	CARDINAL
fsr-3531	159	1	2	CARDINAL
fsr-3531	165	1	8	CARDINAL
fsr-3531	166	1	five	CARDINAL
fsr-3531	166	2	1	CARDINAL
fsr-3531	166	3	2	CARDINAL
fsr-3531	166	4	3	CARDINAL
fsr-3531	167	1	4	CARDINAL
fsr-3531	168	1	4	CARDINAL
fsr-3531	169	1	b. j. davis et al	PERSON
fsr-3531	169	2	31	CARDINAL
fsr-3531	169	3	2023	CARDINAL
fsr-3531	170	1	133–150	CARDINAL
fsr-3531	170	2	ab le 7	ORG
fsr-3531	170	3	2	CARDINAL
fsr-3531	170	4	3	CARDINAL
fsr-3531	170	5	4	CARDINAL
fsr-3531	171	1	f. s ta	PERSON
fsr-3531	173	1	f. s ta n da rd	PERSON
fsr-3531	175	1	f. s ta	PERSON
fsr-3531	177	1	f. s ta	PERSON
fsr-3531	178	1	s tu de n	PERSON
fsr-3531	178	2	ri st ic	PERSON
fsr-3531	178	3	0 .0	MONEY
fsr-3531	179	1	0	CARDINAL
fsr-3531	180	1	3	CARDINAL
fsr-3531	182	1	0	CARDINAL
fsr-3531	183	1	3	CARDINAL
fsr-3531	185	1	0	CARDINAL
fsr-3531	186	1	3	CARDINAL
fsr-3531	189	1	0	CARDINAL
fsr-3531	191	1	0	CARDINAL
fsr-3531	192	1	tl	GPE
fsr-3531	193	1	0 9	CARDINAL
fsr-3531	194	1	0 7	DATE
fsr-3531	196	1	0 6	CARDINAL
fsr-3531	197	1	0 9	CARDINAL
fsr-3531	198	1	0 7	DATE
fsr-3531	199	1	ea	CARDINAL
fsr-3531	201	1	0	CARDINAL
fsr-3531	202	1	5	CARDINAL
fsr-3531	203	1	0 .0 1 4	MONEY
fsr-3531	203	2	0	CARDINAL
fsr-3531	205	1	0 .0 1 4	MONEY
fsr-3531	205	2	0	CARDINAL
fsr-3531	206	1	3	CARDINAL
fsr-3531	207	1	0 .0 1 4	MONEY
fsr-3531	210	1	6	CARDINAL
fsr-3531	211	1	6	CARDINAL
fsr-3531	213	1	6	CARDINAL
fsr-3531	215	1	5	CARDINAL
fsr-3531	218	1	0 .0 1 1	MONEY
fsr-3531	218	2	0	CARDINAL
fsr-3531	220	1	0 .0 1 1	MONEY
fsr-3531	220	2	0	CARDINAL
fsr-3531	221	1	6	CARDINAL
fsr-3531	223	1	0 .0 1 2	MONEY
fsr-3531	223	2	0	CARDINAL
fsr-3531	224	1	6	CARDINAL
fsr-3531	225	1	0 .0 1 2	MONEY
fsr-3531	228	1	0 .0 1 6	MONEY
fsr-3531	230	1	0 .0 1 6	MONEY
fsr-3531	232	1	0 .0 1 6	MONEY
fsr-3531	236	1	0 3	CARDINAL
fsr-3531	236	2	0 7	DATE
fsr-3531	236	3	0 .0 1 0	MONEY
fsr-3531	240	1	0 .0	MONEY
fsr-3531	242	1	0 .0 1 3	MONEY
fsr-3531	242	2	0 .0 2 7	MONEY
fsr-3531	242	3	0 .0 1 8	MONEY
fsr-3531	243	1	o	DATE
fsr-3531	244	1	0 .0 1 7	MONEY
fsr-3531	244	2	0 .0 3 2	MONEY
fsr-3531	246	1	0 .0 1 1	MONEY
fsr-3531	246	2	rv	GPE
fsr-3531	246	3	io	GPE
fsr-3531	246	4	7 5	CARDINAL
fsr-3531	246	5	0 1 7	DATE
fsr-3531	246	6	7 5	CARDINAL
fsr-3531	246	7	0 1 7	DATE
fsr-3531	246	8	7 5	CARDINAL
fsr-3531	246	9	0 1 7	DATE
fsr-3531	246	10	7 50	DATE
fsr-3531	249	1	ec	ORG
fsr-3531	253	1	s si g n ifi	PERSON
fsr-3531	253	2	1 0 % , 5 %	PERCENT
fsr-3531	253	3	an d 1 %	PERCENT
fsr-3531	253	4	el s	ORG
fsr-3531	253	5	ec	ORG
fsr-3531	254	1	144	CARDINAL
fsr-3531	254	2	b. j. davis et al	PERSON
fsr-3531	254	3	31	CARDINAL
fsr-3531	254	4	2023	CARDINAL
fsr-3531	255	1	133–150	CARDINAL
fsr-3531	255	2	ab le 8	ORG
fsr-3531	255	3	o	DATE
fsr-3531	255	4	1	CARDINAL
fsr-3531	255	5	2	CARDINAL
fsr-3531	255	6	3	CARDINAL
fsr-3531	255	7	4	CARDINAL
fsr-3531	255	8	5	CARDINAL
fsr-3531	255	9	s tu de n	PERSON
fsr-3531	255	10	ch ar ac te	PERSON
fsr-3531	255	11	ri st	PERSON
fsr-3531	256	1	0 .0	MONEY
fsr-3531	256	2	0 .0 2 2	MONEY
fsr-3531	257	1	2 1	CARDINAL
fsr-3531	257	2	0 .0 2 3	MONEY
fsr-3531	258	1	2 1	CARDINAL
fsr-3531	258	2	0 .0 2 3	MONEY
fsr-3531	258	3	0	CARDINAL
fsr-3531	259	1	1 9	CARDINAL
fsr-3531	259	2	0 .0 2 2	MONEY
fsr-3531	259	3	0	CARDINAL
fsr-3531	260	1	0 1	CARDINAL
fsr-3531	260	2	0 .0 2 2	MONEY
fsr-3531	261	1	0 4	PERCENT
fsr-3531	262	1	0 4	PERCENT
fsr-3531	264	1	0 3	CARDINAL
fsr-3531	266	1	0 1	CARDINAL
fsr-3531	267	1	0 1	CARDINAL
fsr-3531	267	2	2	CARDINAL
fsr-3531	267	3	3 5	CARDINAL
fsr-3531	267	4	0 .0 2 7	MONEY
fsr-3531	267	5	0	CARDINAL
fsr-3531	268	1	2 9	CARDINAL
fsr-3531	268	2	0 .0 2 8	MONEY
fsr-3531	268	3	0	CARDINAL
fsr-3531	268	4	6 5	CARDINAL
fsr-3531	268	5	0 .0 3 1	MONEY
fsr-3531	269	1	0	CARDINAL
fsr-3531	269	2	5 9	CARDINAL
fsr-3531	269	3	0 .0 3 1	MONEY
fsr-3531	270	1	4 2	CARDINAL
fsr-3531	270	2	0 .0 2 4	MONEY
fsr-3531	270	3	0	CARDINAL
fsr-3531	271	1	0 3	CARDINAL
fsr-3531	271	2	0 .0 2 4	MONEY
fsr-3531	272	1	0 9	CARDINAL
fsr-3531	272	2	0 .0 2 4	MONEY
fsr-3531	273	1	0 5	CARDINAL
fsr-3531	273	2	0 .0 2 4	MONEY
fsr-3531	273	3	0	CARDINAL
fsr-3531	274	1	0 4	PERCENT
fsr-3531	274	2	0 .0 2 5	MONEY
fsr-3531	274	3	ea	CARDINAL
fsr-3531	274	4	ea	CARDINAL
fsr-3531	275	1	0 1	CARDINAL
fsr-3531	275	2	0 .0 2 6	MONEY
fsr-3531	276	1	0 .0 2 6	MONEY
fsr-3531	278	1	0 .0	MONEY
fsr-3531	279	1	0 .0 2 7	MONEY
fsr-3531	280	1	0 .0 2 7	MONEY
fsr-3531	282	1	0 5	CARDINAL
fsr-3531	284	1	0 6	CARDINAL
fsr-3531	286	1	0 6	CARDINAL
fsr-3531	288	1	0 6	CARDINAL
fsr-3531	290	1	0 6	CARDINAL
fsr-3531	291	1	0 .0	MONEY
fsr-3531	291	2	4 4	CARDINAL
fsr-3531	292	1	4 3	CARDINAL
fsr-3531	292	2	0	CARDINAL
fsr-3531	293	1	0	CARDINAL
fsr-3531	293	2	0	CARDINAL
fsr-3531	295	1	0	CARDINAL
fsr-3531	295	2	0	CARDINAL
fsr-3531	296	1	3 5	CARDINAL
fsr-3531	296	2	0 .0 3 4	MONEY
fsr-3531	296	3	u si n	PERSON
fsr-3531	296	4	0 .0 1 4	MONEY
fsr-3531	296	5	0	CARDINAL
fsr-3531	297	1	2 3	CARDINAL
fsr-3531	297	2	0	CARDINAL
fsr-3531	297	3	0	CARDINAL
fsr-3531	298	1	0	CARDINAL
fsr-3531	299	1	3 6	CARDINAL
fsr-3531	299	2	0	CARDINAL
fsr-3531	300	1	5 3	CARDINAL
fsr-3531	300	2	0 .0 2 9	MONEY
fsr-3531	300	3	0	CARDINAL
fsr-3531	301	1	5 6	CARDINAL
fsr-3531	301	2	0 .0 2 9	MONEY
fsr-3531	302	1	5 5	CARDINAL
fsr-3531	302	2	0 .0 2 9	MONEY
fsr-3531	302	3	0	CARDINAL
fsr-3531	303	1	5 1	CARDINAL
fsr-3531	303	2	0 .0 2 9	MONEY
fsr-3531	304	1	5 4	CARDINAL
fsr-3531	304	2	0 .0 2 9	MONEY
fsr-3531	305	1	al li te	PERSON
fsr-3531	305	2	cy ch ar ac te	PERSON
fsr-3531	305	3	ri st ic s f	PERSON
fsr-3531	305	4	al li te	PERSON
fsr-3531	305	5	4 3	CARDINAL
fsr-3531	307	1	4 3	CARDINAL
fsr-3531	309	1	4 4	CARDINAL
fsr-3531	311	1	4 4	CARDINAL
fsr-3531	312	1	el fas se ss	ORG
fsr-3531	317	1	0 .0 5	MONEY
fsr-3531	318	1	0 .0 5	MONEY
fsr-3531	320	1	0 .0 7 2	MONEY
fsr-3531	323	1	0 .0 5 5	MONEY
fsr-3531	326	1	6 1	CARDINAL
fsr-3531	326	2	0 .0 5 5	MONEY
fsr-3531	329	1	5 2	CARDINAL
fsr-3531	329	2	0 .0 5 5	MONEY
fsr-3531	331	1	0	CARDINAL
fsr-3531	332	1	3 1	CARDINAL
fsr-3531	332	2	0 .0 5 6	MONEY
fsr-3531	334	1	0 .4 2 6	MONEY
fsr-3531	334	2	0 .0 5 6	MONEY
fsr-3531	335	1	su ra n ce	PERSON
fsr-3531	336	1	0 .0 2 6	MONEY
fsr-3531	337	1	0 .0 2 6	MONEY
fsr-3531	338	1	0 5	CARDINAL
fsr-3531	338	2	0 .0 2 7	MONEY
fsr-3531	338	3	0	CARDINAL
fsr-3531	339	1	1 0	CARDINAL
fsr-3531	340	1	0 .0 2 6	MONEY
fsr-3531	340	2	g s ac	FAC
fsr-3531	340	3	u n	FAC
fsr-3531	340	4	2 5	CARDINAL
fsr-3531	340	5	0 .0 2 9	MONEY
fsr-3531	341	1	2 8	DATE
fsr-3531	341	2	0 .0 2 9	MONEY
fsr-3531	342	1	2 8	DATE
fsr-3531	342	2	0 .0 2 8	MONEY
fsr-3531	342	3	0	CARDINAL
fsr-3531	342	4	3 6	CARDINAL
fsr-3531	342	5	0 .0 2	MONEY
fsr-3531	342	6	su ra n ce	PERSON
fsr-3531	343	1	0 .0 2 5	MONEY
fsr-3531	344	1	0 .0 2 5	MONEY
fsr-3531	345	1	0 .0 2 5	MONEY
fsr-3531	346	1	0 .0 2 5	MONEY
fsr-3531	346	2	eb	ORG
fsr-3531	346	3	eb	GPE
fsr-3531	350	1	0 8	DATE
fsr-3531	351	1	0 1	CARDINAL
fsr-3531	353	1	0	CARDINAL
fsr-3531	353	2	9 9	CARDINAL
fsr-3531	353	3	0 .0	MONEY
fsr-3531	354	1	eb	GPE
fsr-3531	356	1	0	CARDINAL
fsr-3531	356	2	0	CARDINAL
fsr-3531	357	1	1 9	CARDINAL
fsr-3531	357	2	0	CARDINAL
fsr-3531	357	3	0	CARDINAL
fsr-3531	358	1	1 6	CARDINAL
fsr-3531	358	2	0	CARDINAL
fsr-3531	362	1	0 .0 2 9	MONEY
fsr-3531	363	1	0	CARDINAL
fsr-3531	364	1	5 1	CARDINAL
fsr-3531	364	2	0 .0 2 9	MONEY
fsr-3531	365	1	4 3	CARDINAL
fsr-3531	365	2	0 .0 2 9	MONEY
fsr-3531	366	1	0 .0 5 1	MONEY
fsr-3531	366	2	0 .0 6 3	MONEY
fsr-3531	367	1	0 .0 6 3	MONEY
fsr-3531	368	1	0 .0	MONEY
fsr-3531	368	2	0 .0	MONEY
fsr-3531	368	3	3 2	CARDINAL
fsr-3531	368	4	0 .0 2 7	MONEY
fsr-3531	368	5	0 .0	MONEY
fsr-3531	368	6	4 2	CARDINAL
fsr-3531	368	7	0 .0 2 7	MONEY
fsr-3531	368	8	0	CARDINAL
fsr-3531	369	1	4 1	CARDINAL
fsr-3531	369	2	0 .0 2 7	MONEY
fsr-3531	371	1	0 .0 6 8	MONEY
fsr-3531	371	2	0	CARDINAL
fsr-3531	372	1	0	CARDINAL
fsr-3531	372	2	u rc h	ORG
fsr-3531	373	1	5 3	CARDINAL
fsr-3531	373	2	0 .0 2 7	MONEY
fsr-3531	376	1	6 1	CARDINAL
fsr-3531	376	2	0 .0 2 7	MONEY
fsr-3531	377	1	rv	GPE
fsr-3531	377	2	io	LOC
fsr-3531	377	3	0	CARDINAL
fsr-3531	383	1	o w n	PERSON
fsr-3531	384	1	s ta n	PERSON
fsr-3531	386	1	o w n	PERSON
fsr-3531	388	1	es si g n ifi	FAC
fsr-3531	388	2	1 0 % , 5 %	PERCENT
fsr-3531	389	1	1 %	PERCENT
fsr-3531	390	1	b. j. davis et al	PERSON
fsr-3531	390	2	31	CARDINAL
fsr-3531	390	3	2023	CARDINAL
fsr-3531	390	4	133–150	CARDINAL
fsr-3531	390	5	145	CARDINAL
fsr-3531	390	6	5	CARDINAL
fsr-3531	391	1	1	CARDINAL
fsr-3531	392	1	10%	PERCENT
fsr-3531	394	1	section 3.2.	LAW
fsr-3531	395	1	4%	PERCENT
fsr-3531	395	2	one	CARDINAL
fsr-3531	395	3	5%	PERCENT
fsr-3531	397	1	model 5	DATE
fsr-3531	398	1	2	CARDINAL
fsr-3531	399	1	3	CARDINAL
fsr-3531	405	1	4	CARDINAL
fsr-3531	405	2	the next ten years	DATE
fsr-3531	406	1	4.	CARDINAL
fsr-3531	410	1	first	ORDINAL
fsr-3531	411	1	146	CARDINAL
fsr-3531	411	2	b. j. davis et al	PERSON
fsr-3531	411	3	31	CARDINAL
fsr-3531	411	4	2023	CARDINAL
fsr-3531	412	1	133–150	CARDINAL
fsr-3531	417	1	one	CARDINAL
fsr-3531	418	1	stoddard	ORG
fsr-3531	418	2	2020	DATE
fsr-3531	418	3	collins	PERSON
fsr-3531	418	4	2018	DATE
fsr-3531	418	5	collins	PERSON
fsr-3531	418	6	2013	DATE
fsr-3531	421	1	1	CARDINAL
fsr-3531	421	2	2019	DATE
fsr-3531	421	3	clark	PERSON
fsr-3531	421	4	2017	CARDINAL
fsr-3531	421	5	mitchell	PERSON
fsr-3531	421	6	2014	DATE
fsr-3531	421	7	mitchell	PERSON
fsr-3531	421	8	2014	DATE
fsr-3531	421	9	mitchell (	ORG
fsr-3531	421	10	2011	DATE
fsr-3531	422	1	2013	DATE
fsr-3531	423	1	2	CARDINAL
fsr-3531	423	2	2003	DATE
fsr-3531	423	3	lusardi	PERSON
fsr-3531	423	4	2004	DATE
fsr-3531	423	5	2004	DATE
fsr-3531	423	6	bayer	ORG
fsr-3531	423	7	bernheim	GPE
fsr-3531	423	8	2009	DATE
fsr-3531	424	1	clark et al	PERSON
fsr-3531	424	2	2006	DATE
fsr-3531	424	3	2016	DATE
fsr-3531	424	4	2012	DATE
fsr-3531	425	1	3	CARDINAL
fsr-3531	425	2	the previous year	DATE
fsr-3531	427	1	4	CARDINAL
fsr-3531	427	2	reardon	GPE
fsr-3531	427	3	2015	CARDINAL
fsr-3531	428	1	5	CARDINAL
fsr-3531	428	2	the graduate student council	ORG
fsr-3531	429	1	6	CARDINAL
fsr-3531	429	2	mitchell	PERSON
fsr-3531	429	3	2014	DATE
fsr-3531	429	4	2013	DATE
fsr-3531	429	5	2012	DATE
fsr-3531	429	6	three	CARDINAL
fsr-3531	430	1	12	CARDINAL
fsr-3531	431	1	b. j. davis et al	PERSON
fsr-3531	431	2	31	CARDINAL
fsr-3531	431	3	2023	CARDINAL
fsr-3531	432	1	133–150	CARDINAL
fsr-3531	432	2	roughly one-third	CARDINAL
fsr-3531	433	1	8	CARDINAL
fsr-3531	434	1	9	CARDINAL
fsr-3531	435	1	10	CARDINAL
fsr-3531	436	1	11	CARDINAL
fsr-3531	437	1	12	CARDINAL
fsr-3531	438	1	91	CARDINAL
fsr-3531	438	2	5%	PERCENT
fsr-3531	439	1	13	CARDINAL
fsr-3531	441	1	7 0	DATE
fsr-3531	441	2	0%	PERCENT
fsr-3531	441	3	11.1%	PERCENT
fsr-3531	441	4	14.3%	PERCENT
fsr-3531	441	5	13.7%	PERCENT
fsr-3531	441	6	10.3%	PERCENT
fsr-3531	441	7	10.5%	PERCENT
fsr-3531	441	8	7.9%	PERCENT
fsr-3531	441	9	5.9%	PERCENT
fsr-3531	441	10	23.3	CARDINAL
fsr-3531	441	11	18.2	CARDINAL
fsr-3531	441	12	39.1	CARDINAL
fsr-3531	441	13	32.2	CARDINAL
fsr-3531	441	14	25.8	CARDINAL
fsr-3531	441	15	35.8	CARDINAL
fsr-3531	441	16	27.7	CARDINAL
fsr-3531	441	17	21.9	CARDINAL
fsr-3531	441	18	52.3 59.4	QUANTITY
fsr-3531	441	19	42.9	CARDINAL
fsr-3531	441	20	66.6	CARDINAL
fsr-3531	441	21	50%	PERCENT
fsr-3531	442	1	54.1	CARDINAL
fsr-3531	442	2	65.9	CARDINAL
fsr-3531	442	3	57.1	CARDINAL
fsr-3531	442	4	49.4	CARDINAL
fsr-3531	442	5	63.0	CARDINAL
fsr-3531	442	6	69.4	CARDINAL
fsr-3531	442	7	68.3	CARDINAL
fsr-3531	442	8	53.9	CARDINAL
fsr-3531	442	9	46.2	CARDINAL
fsr-3531	442	10	64.5	CARDINAL
fsr-3531	442	11	70.8	CARDINAL
fsr-3531	442	12	69.8	CARDINAL
fsr-3531	442	13	62.7	CARDINAL
fsr-3531	442	14	68.6	CARDINAL
fsr-3531	442	15	53.0	CARDINAL
fsr-3531	442	16	100%	PERCENT
fsr-3531	442	17	62.3	CARDINAL
fsr-3531	442	18	67.7	CARDINAL
fsr-3531	442	19	60.8	CARDINAL
fsr-3531	442	20	45.5	CARDINAL
fsr-3531	443	1	section 3.2	LAW
fsr-3531	443	2	5%	PERCENT
fsr-3531	444	1	148	CARDINAL
fsr-3531	444	2	b. j. davis et al	PERSON
fsr-3531	444	3	31	CARDINAL
fsr-3531	444	4	2023	CARDINAL
fsr-3531	444	5	133–150	CARDINAL
fsr-3531	444	6	carrie houts	PERSON
fsr-3531	445	1	james winbush	PERSON
fsr-3531	445	2	dan rives	PERSON
fsr-3531	445	3	keatrick johnson	PERSON
fsr-3531	445	4	indiana university	ORG
fsr-3531	446	1	benjamin bissette	PERSON
fsr-3531	446	2	katherine jones	PERSON
fsr-3531	447	1	indiana university	ORG
fsr-3531	449	1	the tiaa institute	ORG
fsr-3531	450	1	s., & walstad	ORG
fsr-3531	450	2	w.	PERSON
fsr-3531	450	3	2016	DATE
fsr-3531	452	1	54	DATE
fsr-3531	452	2	675–697	CARDINAL
fsr-3531	452	3	https://doi.org/10.1111/ecin.12255 anderson	PERSON
fsr-3531	452	4	baker	PERSON
fsr-3531	452	5	f., & robinson	ORG
fsr-3531	452	6	2017	CARDINAL
fsr-3531	454	1	journal of financial economics	ORG
fsr-3531	454	2	126	CARDINAL
fsr-3531	454	3	383–398	CARDINAL
fsr-3531	456	1	bernheim	GPE
fsr-3531	456	2	d., & scholz	ORG
fsr-3531	456	3	j.	PERSON
fsr-3531	456	4	2009	DATE
fsr-3531	458	1	47	DATE
fsr-3531	458	2	605–624	CARDINAL
fsr-3531	459	1	https://doi.org/10.1111/j.1465-7295.2008.00156.x bernheim	PERSON
fsr-3531	459	2	d., & garrett	ORG
fsr-3531	459	3	d. m.	PERSON
fsr-3531	459	4	2003	DATE
fsr-3531	461	1	journal of public economics	ORG
fsr-3531	461	2	87	DATE
fsr-3531	461	3	1487–1519	DATE
fsr-3531	462	1	https://doi.org/10.1016/s0047-2727	PERSON
fsr-3531	462	2	01)00184	CARDINAL
fsr-3531	462	3	0 clark	PERSON
fsr-3531	462	4	r.	NORP
fsr-3531	462	5	a., & mitchell	ORG
fsr-3531	462	6	2017	CARDINAL
fsr-3531	464	1	55	DATE
fsr-3531	464	2	248–259	CARDINAL
fsr-3531	464	3	https://doi.org/10.1111/ecin.12389 clark	PERSON
fsr-3531	464	4	r. l.	PERSON
fsr-3531	464	5	m. b.	PERSON
fsr-3531	464	6	a. a.	PERSON
fsr-3531	464	7	2006	DATE
fsr-3531	466	1	journal of pension economics	ORG
fsr-3531	466	2	5	CARDINAL
fsr-3531	466	3	https://doi.org/10.1017/s1474747205002271 collins	PERSON
fsr-3531	466	4	m. (	PERSON
fsr-3531	466	5	2013	DATE
fsr-3531	468	1	95	CARDINAL
fsr-3531	468	2	146–158	CARDINAL
fsr-3531	468	3	anzelone	GPE
fsr-3531	468	4	l.	GPE
fsr-3531	468	5	2015	DATE
fsr-3531	470	1	opre	ORG
fsr-3531	470	2	2015-75	CARDINAL
fsr-3531	471	1	washington	GPE
fsr-3531	471	2	dc	GPE
fsr-3531	471	3	u.s.	GPE
fsr-3531	472	1	hastings	PERSON
fsr-3531	472	2	j., madrian	ORG
fsr-3531	472	3	b., & skimmyhorn	ORG
fsr-3531	472	4	w.	PERSON
fsr-3531	472	5	2013	DATE
fsr-3531	474	1	annual	DATE
fsr-3531	474	2	5	CARDINAL
fsr-3531	474	3	347–373	CARDINAL
fsr-3531	474	4	m., & houts	ORG
fsr-3531	474	5	2012	DATE
fsr-3531	476	1	46	DATE
fsr-3531	476	2	381–410	CARDINAL
fsr-3531	476	3	10.1111	CARDINAL
fsr-3531	476	4	6606.2012.01241.x	CARDINAL
fsr-3531	476	5	a.	PERSON
fsr-3531	476	6	2004	DATE
fsr-3531	478	1	o. mitchell & s. utkus	ORG
fsr-3531	479	1	157–184	CARDINAL
fsr-3531	480	1	oxford	NORP
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fsr-3531	481	1	lusardi	PERSON
fsr-3531	481	2	a., & mitchell	ORG
fsr-3531	481	3	2011	DATE
fsr-3531	483	1	o. mitchell & a. lusardi	ORG
fsr-3531	484	1	oxford	NORP
fsr-3531	484	2	oxford university	ORG
fsr-3531	485	1	lusardi	PERSON
fsr-3531	485	2	a., & mitchell	ORG
fsr-3531	485	3	2014	DATE
fsr-3531	487	1	52	DATE
fsr-3531	487	2	5–44	CARDINAL
fsr-3531	487	3	mitchell, o., & curto	PERSON
fsr-3531	487	4	2014	DATE
fsr-3531	489	1	journal of pension economics & finance	ORG
fsr-3531	489	2	13	CARDINAL
fsr-3531	489	3	347–366	CARDINAL
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fsr-3531	491	1	125	CARDINAL
fsr-3531	491	2	431–477	CARDINAL
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fsr-3531	493	2	j. shoven	PERSON
fsr-3531	493	3	m. warshawsky	PERSON
fsr-3531	495	1	washington	GPE
fsr-3531	495	2	dc	GPE
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fsr-3531	498	1	47	DATE
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fsr-3531	501	1	quarterly	DATE
fsr-3531	501	2	52	CARDINAL
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fsr-3531	501	4	w.	PERSON
fsr-3531	501	5	mun	PERSON
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fsr-3531	501	7	b.	PERSON
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fsr-3531	503	1	47	DATE
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fsr-3531	503	4	2020	DATE
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fsr-3531	505	4	j., & brown	ORG
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fsr-3531	507	1	78, 101786	DATE
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fsr-3531	508	3	a.	PERSON
fsr-3531	508	4	2019	DATE
fsr-3531	509	1	the united states	GPE
fsr-3531	510	1	2019	CARDINAL
fsr-3531	511	1	charlotte	GPE
fsr-3531	511	2	nc	GPE
fsr-3531	512	1	150	CARDINAL
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