id	sid	eid	entity	type
fsr-3656	1	1	1057-0810(91)90008-m	QUANTITY
fsr-3656	1	2	1(1):61-78	CARDINAL
fsr-3656	1	3	1991	DATE
fsr-3656	1	4	jai press inc	ORG
fsr-3656	1	5	1057-0810	DATE
fsr-3656	2	1	larry a. cox	PERSON
fsr-3656	7	1	u.s.	GPE
fsr-3656	15	1	rejda	PERSON
fsr-3656	15	2	1984	DATE
fsr-3656	16	1	199	CARDINAL
fsr-3656	16	2	larry a. cox l	PERSON
fsr-3656	16	3	the university of georgia	ORG
fsr-3656	16	4	athens	GPE
fsr-3656	16	5	ga 30602	ORG
fsr-3656	17	1	62	CARDINAL
fsr-3656	17	2	l(1	ORG
fsr-3656	17	3	1991	DATE
fsr-3656	23	1	2	CARDINAL
fsr-3656	26	1	monthly	DATE
fsr-3656	30	1	1	CARDINAL
fsr-3656	30	2	2	CARDINAL
fsr-3656	30	3	3	CARDINAL
fsr-3656	30	4	4	CARDINAL
fsr-3656	30	5	5	CARDINAL
fsr-3656	31	1	first	ORDINAL
fsr-3656	33	1	second	ORDINAL
fsr-3656	33	2	63	CARDINAL
fsr-3656	46	1	1987	DATE
fsr-3656	46	2	426-428	CARDINAL
fsr-3656	47	1	annual	DATE
fsr-3656	48	1	64	CARDINAL
fsr-3656	48	2	l(1	ORG
fsr-3656	48	3	1991	DATE
fsr-3656	48	4	monthly	DATE
fsr-3656	48	5	the current year	DATE
fsr-3656	48	6	1	CARDINAL
fsr-3656	50	1	annual	DATE
fsr-3656	52	1	cox	PERSON
fsr-3656	52	2	1990	DATE
fsr-3656	55	1	less than 22 percent	PERCENT
fsr-3656	56	1	1986	DATE
fsr-3656	56	2	8)	CARDINAL
fsr-3656	56	3	nearly 60 percent	PERCENT
fsr-3656	56	4	u.s.	GPE
fsr-3656	57	1	over 80 percent	PERCENT
fsr-3656	57	2	u.s.	GPE
fsr-3656	57	3	1988	DATE
fsr-3656	58	1	u.s.	GPE
fsr-3656	59	1	u.s.	GPE
fsr-3656	61	1	di insurance	ORG
fsr-3656	62	1	65	CARDINAL
fsr-3656	62	2	u.s.	GPE
fsr-3656	62	3	the first six months	DATE
fsr-3656	63	1	93 percent	PERCENT
fsr-3656	63	2	only 7 percent	PERCENT
fsr-3656	63	3	1986	DATE
fsr-3656	67	1	u.s.	GPE
fsr-3656	69	1	more than $300	MONEY
fsr-3656	69	2	schwartz	ORG
fsr-3656	69	3	1989	DATE
fsr-3656	70	1	less than 12 months	DATE
fsr-3656	71	1	five-month	DATE
fsr-3656	73	1	80 percent	PERCENT
fsr-3656	74	1	one year	DATE
fsr-3656	76	1	50	CARDINAL
fsr-3656	79	1	66	CARDINAL
fsr-3656	79	2	l(1	ORG
fsr-3656	79	3	1991	DATE
fsr-3656	79	4	1987	DATE
fsr-3656	79	5	87 percent	PERCENT
fsr-3656	79	6	u.s.	GPE
fsr-3656	79	7	nelson, 1989	ORG
fsr-3656	80	1	two thirds	CARDINAL
fsr-3656	80	2	weekly	DATE
fsr-3656	81	1	weekly	DATE
fsr-3656	81	2	175	MONEY
fsr-3656	81	3	georgia	GPE
fsr-3656	81	4	1,094	MONEY
fsr-3656	81	5	alaska	GPE
fsr-3656	81	6	mid-1988	GPE
fsr-3656	82	1	three to seven days	DATE
fsr-3656	82	2	one to six weeks	DATE
fsr-3656	84	1	four	CARDINAL
fsr-3656	84	2	four	CARDINAL
fsr-3656	86	1	nelson	PERSON
fsr-3656	86	2	1988a	ORDINAL
fsr-3656	86	3	approximately 59 percent	PERCENT
fsr-3656	86	4	u.s.	GPE
fsr-3656	86	5	slightly over 20 percent	PERCENT
fsr-3656	88	1	california	GPE
fsr-3656	88	2	hawaii	GPE
fsr-3656	88	3	new jersey	GPE
fsr-3656	88	4	new york	GPE
fsr-3656	88	5	rhode island	GPE
fsr-3656	88	6	puerto rico	GPE
fsr-3656	88	7	tdi	ORG
fsr-3656	90	1	tdi	ORG
fsr-3656	90	2	six	CARDINAL
fsr-3656	90	3	approximately one	CARDINAL
fsr-3656	90	4	fourth	ORDINAL
fsr-3656	90	5	u.s.	GPE
fsr-3656	90	6	tdi	ORG
fsr-3656	90	7	kerns, 1989	ORG
fsr-3656	91	1	tdi	ORG
fsr-3656	91	2	new jersey	GPE
fsr-3656	91	3	new york	GPE
fsr-3656	92	1	tdi	ORG
fsr-3656	92	2	at least half	CARDINAL
fsr-3656	93	1	1988	DATE
fsr-3656	93	2	weekly	DATE
fsr-3656	93	3	104	MONEY
fsr-3656	93	4	puerto rico	GPE
fsr-3656	93	5	252	MONEY
fsr-3656	93	6	rhode island	GPE
fsr-3656	93	7	kerns	GPE
fsr-3656	93	8	1989	DATE
fsr-3656	94	1	26 to 39 weeks	DATE
fsr-3656	94	2	between three and seven days	CARDINAL
fsr-3656	95	1	tdi	ORG
fsr-3656	95	2	california	GPE
fsr-3656	95	3	tdi	ORG
fsr-3656	96	1	tdi	ORG
fsr-3656	98	1	rhode island	GPE
fsr-3656	98	2	tdi	ORG
fsr-3656	98	3	hawaii	GPE
fsr-3656	98	4	tdi	ORG
fsr-3656	99	1	tdi	ORG
fsr-3656	99	2	1990	DATE
fsr-3656	99	3	31	CARDINAL
fsr-3656	101	1	67	CARDINAL
fsr-3656	102	1	two	CARDINAL
fsr-3656	102	2	u.s.	GPE
fsr-3656	103	1	five to 15 days	DATE
fsr-3656	104	1	second	ORDINAL
fsr-3656	105	1	two thirds	CARDINAL
fsr-3656	105	2	weekly	DATE
fsr-3656	105	3	three to seven days	DATE
fsr-3656	106	1	between three and six months	CARDINAL
fsr-3656	107	1	approximately 76 percent	PERCENT
fsr-3656	107	2	1983	DATE
fsr-3656	108	1	1986	DATE
fsr-3656	108	2	only 35	CARDINAL
fsr-3656	108	3	each year	DATE
fsr-3656	108	4	1970	DATE
fsr-3656	109	1	houff	PERSON
fsr-3656	109	2	1989	DATE
fsr-3656	109	3	1	CARDINAL
fsr-3656	109	4	2	CARDINAL
fsr-3656	110	1	46 percent	PERCENT
fsr-3656	110	2	24 percent	PERCENT
fsr-3656	110	3	25 percent	PERCENT
fsr-3656	110	4	6 percent	PERCENT
fsr-3656	111	1	83 percent	PERCENT
fsr-3656	111	2	1 percent	PERCENT
fsr-3656	111	3	14 percent	PERCENT
fsr-3656	111	4	only 3 percent	PERCENT
fsr-3656	112	1	53 to 65 percent	PERCENT
fsr-3656	112	2	years	DATE
fsr-3656	113	1	between 110	CARDINAL
fsr-3656	113	2	134 work days	DATE
fsr-3656	115	1	nearly 60 percent	PERCENT
fsr-3656	115	2	u.s.	GPE
fsr-3656	115	3	less than 48 percent	PERCENT
fsr-3656	115	4	45	CARDINAL
fsr-3656	121	1	packard	ORG
fsr-3656	121	2	1987	DATE
fsr-3656	121	3	68	CARDINAL
fsr-3656	121	4	l(1	ORG
fsr-3656	121	5	1991	DATE
fsr-3656	121	6	approximately two thirds	CARDINAL
fsr-3656	121	7	40 percent	PERCENT
fsr-3656	122	1	1989	DATE
fsr-3656	122	2	30 percent	PERCENT
fsr-3656	123	1	only $850	MONEY
fsr-3656	123	2	18,884	MONEY
fsr-3656	123	3	only $2,635	MONEY
fsr-3656	124	1	the past decade	DATE
fsr-3656	124	2	u.s.	GPE
fsr-3656	125	1	the 1960s	DATE
fsr-3656	125	2	early 1970s	DATE
fsr-3656	125	3	reno	GPE
fsr-3656	125	4	1985	DATE
fsr-3656	125	5	lando, farley	ORG
fsr-3656	125	6	1982	DATE
fsr-3656	125	7	u.s.	GPE
fsr-3656	126	1	1	CARDINAL
fsr-3656	126	2	2	CARDINAL
fsr-3656	126	3	3	CARDINAL
fsr-3656	127	1	lfb	PERSON
fsr-3656	127	2	over 50 percent	PERCENT
fsr-3656	127	3	1966	DATE
fsr-3656	127	4	1967	DATE
fsr-3656	127	5	less than 22 percent	PERCENT
fsr-3656	127	6	the early 1980~.~	DATE
fsr-3656	128	1	hennessey	PERSON
fsr-3656	128	2	dykacz	PERSON
fsr-3656	128	3	1989	DATE
fsr-3656	130	1	only 11 percent	PERCENT
fsr-3656	131	1	65,36 percent	PERCENT
fsr-3656	131	2	53 percent	PERCENT
fsr-3656	132	1	nine years	DATE
fsr-3656	133	1	dykacz	PERSON
fsr-3656	133	2	hennessey	PERSON
fsr-3656	133	3	1989	DATE
fsr-3656	133	4	benefici aries	PERSON
fsr-3656	134	1	two	CARDINAL
fsr-3656	135	1	43 percent	PERCENT
fsr-3656	135	2	five years	DATE
fsr-3656	135	3	5 percent	PERCENT
fsr-3656	135	4	52 percent	PERCENT
fsr-3656	135	5	age 62	DATE
fsr-3656	136	1	nearly half	CARDINAL
fsr-3656	137	1	two	CARDINAL
fsr-3656	137	2	197os	ORG
fsr-3656	137	3	reagan	PERSON
fsr-3656	139	1	halpern	PERSON
fsr-3656	139	2	hausman	PERSON
fsr-3656	139	3	1986	DATE
fsr-3656	141	1	69	CARDINAL
fsr-3656	144	1	1989	DATE
fsr-3656	150	1	greenblum	PERSON
fsr-3656	150	2	19871	CARDINAL
fsr-3656	152	1	mudrick	PERSON
fsr-3656	152	2	1988	DATE
fsr-3656	155	1	1989	DATE
fsr-3656	155	2	british	NORP
fsr-3656	158	1	three	CARDINAL
fsr-3656	161	1	west virginia	GPE
fsr-3656	161	2	208 weeks	DATE
fsr-3656	162	1	45,000	MONEY
fsr-3656	162	2	maryland	GPE
fsr-3656	162	3	198,590	MONEY
fsr-3656	162	4	new mexico	GPE
fsr-3656	162	5	1989	DATE
fsr-3656	163	1	seventeen	CARDINAL
fsr-3656	163	2	70	CARDINAL
fsr-3656	163	3	l(1	ORG
fsr-3656	163	4	1991	DATE
fsr-3656	163	5	u.s. chamber of commerce	ORG
fsr-3656	163	6	1989	DATE
fsr-3656	164	1	18-20	CARDINAL
fsr-3656	165	1	17	CARDINAL
fsr-3656	165	2	february 1981	DATE
fsr-3656	166	1	massachusetts	GPE
fsr-3656	166	2	georgia	GPE
fsr-3656	168	1	over 85 percent	PERCENT
fsr-3656	168	2	one year	DATE
fsr-3656	169	1	as low as 40 percent	PERCENT
fsr-3656	172	1	nelson	PERSON
fsr-3656	172	2	approximately 75 percent	PERCENT
fsr-3656	172	3	25 percent	PERCENT
fsr-3656	172	4	75 percent	PERCENT
fsr-3656	173	1	u.s.	GPE
fsr-3656	173	2	packard	ORG
fsr-3656	173	3	1987	DATE
fsr-3656	173	4	less than 3 percent	PERCENT
fsr-3656	174	1	17	CARDINAL
fsr-3656	175	1	hansen	PERSON
fsr-3656	175	2	smith (hms	ORG
fsr-3656	175	3	1989	DATE
fsr-3656	176	1	hms	ORG
fsr-3656	177	1	u.s.	GPE
fsr-3656	179	1	1	CARDINAL
fsr-3656	179	2	u.s.	GPE
fsr-3656	179	3	new york	GPE
fsr-3656	179	4	texas	GPE
fsr-3656	180	1	two	CARDINAL
fsr-3656	182	1	71	CARDINAL
fsr-3656	182	2	january 1, 1989	DATE
fsr-3656	182	3	new york	GPE
fsr-3656	182	4	texas	GPE
fsr-3656	182	5	new york	GPE
fsr-3656	182	6	texas	GPE
fsr-3656	182	7	2/ 3	QUANTITY
fsr-3656	182	8	weekly	DATE
fsr-3656	182	9	300	MONEY
fsr-3656	182	10	7 days	DATE
fsr-3656	182	11	213	CARDINAL
fsr-3656	182	12	weekly	DATE
fsr-3656	183	1	238	MONEY
fsr-3656	183	2	401 weeks	DATE
fsr-3656	183	3	2	CARDINAL
fsr-3656	183	4	weekly	DATE
fsr-3656	183	5	170	MONEY
fsr-3656	183	6	26 weeks	DATE
fsr-3656	183	7	7 days	DATE
fsr-3656	183	8	monthly	DATE
fsr-3656	183	9	t	MONEY
fsr-3656	183	10	1$35	MONEY
fsr-3656	183	11	age 65	DATE
fsr-3656	183	12	5 months l	DATE
fsr-3656	183	13	u.s. chamber of commerce	ORG
fsr-3656	183	14	1990	DATE
fsr-3656	185	1	u.s.	GPE
fsr-3656	186	1	1988	DATE
fsr-3656	186	2	approximately 15 percent	PERCENT
fsr-3656	186	3	private group ltd plans	ORG
fsr-3656	186	4	about 7 percent	PERCENT
fsr-3656	187	1	the u.s. bureau of labor statistics	ORG
fsr-3656	187	2	bls	ORG
fsr-3656	187	3	1989	DATE
fsr-3656	188	1	approximately 42 percent	PERCENT
fsr-3656	188	2	group ltd	ORG
fsr-3656	189	1	38 percent	PERCENT
fsr-3656	190	1	50 to 60 percent	PERCENT
fsr-3656	190	2	monthly	DATE
fsr-3656	190	3	between $2,500 and $5,000	MONEY
fsr-3656	191	1	63 percent	PERCENT
fsr-3656	191	2	72	CARDINAL
fsr-3656	191	3	l(1	ORG
fsr-3656	191	4	1991	DATE
fsr-3656	191	5	70 to 75 percent	PERCENT
fsr-3656	192	1	an additional 7 percent	PERCENT
fsr-3656	193	1	six months	DATE
fsr-3656	194	1	burke	PERSON
fsr-3656	194	2	lovejoy	PERSON
fsr-3656	194	3	1988	DATE
fsr-3656	195	1	the years	DATE
fsr-3656	195	2	only 31 percent	PERCENT
fsr-3656	195	3	48 percent	PERCENT
fsr-3656	196	1	80 percent	PERCENT
fsr-3656	196	2	40 percent	PERCENT
fsr-3656	197	1	u.s.	GPE
fsr-3656	198	1	scott	PERSON
fsr-3656	198	2	1987	DATE
fsr-3656	199	1	6,489	CARDINAL
fsr-3656	199	2	27	CARDINAL
fsr-3656	200	1	78 percent	PERCENT
fsr-3656	200	2	84 percent	PERCENT
fsr-3656	201	1	35	CARDINAL
fsr-3656	201	2	36	CARDINAL
fsr-3656	202	1	approximately four	CARDINAL
fsr-3656	202	2	u.s.	GPE
fsr-3656	202	3	54,700	MONEY
fsr-3656	202	4	28,600	MONEY
fsr-3656	203	1	86 percent	PERCENT
fsr-3656	203	2	76 percent	PERCENT
fsr-3656	205	1	morris	PERSON
fsr-3656	205	2	1986	DATE
fsr-3656	205	3	1984	DATE
fsr-3656	206	1	lyons	PERSON
fsr-3656	206	2	1987	DATE
fsr-3656	207	1	scott	PERSON
fsr-3656	207	2	1987	DATE
fsr-3656	208	1	60 to 90 day	DATE
fsr-3656	209	1	two thirds	CARDINAL
fsr-3656	209	2	10 years	DATE
fsr-3656	209	3	age 65	DATE
fsr-3656	210	1	over half	CARDINAL
fsr-3656	210	2	73	CARDINAL
fsr-3656	210	3	at least one	CARDINAL
fsr-3656	211	1	more than 50 percent	PERCENT
fsr-3656	212	1	cox	PERSON
fsr-3656	212	2	gustavson	PERSON
fsr-3656	212	3	1990	DATE
fsr-3656	212	4	54	CARDINAL
fsr-3656	212	5	1988	DATE
fsr-3656	216	1	1990	DATE
fsr-3656	217	1	1989	DATE
fsr-3656	221	1	1	CARDINAL
fsr-3656	221	2	2	CARDINAL
fsr-3656	221	3	3	CARDINAL
fsr-3656	224	1	ambrose	PERSON
fsr-3656	224	2	seward	GPE
fsr-3656	224	3	1988	DATE
fsr-3656	224	4	1990	DATE
fsr-3656	226	1	the national association of insurance	ORG
fsr-3656	226	2	naic	ORG
fsr-3656	227	1	naic	ORG
fsr-3656	227	2	12	CARDINAL
fsr-3656	228	1	four	CARDINAL
fsr-3656	228	2	naic	ORG
fsr-3656	229	1	1990a	DATE
fsr-3656	230	1	14	CARDINAL
fsr-3656	230	2	l(1	ORG
fsr-3656	230	3	1991	DATE
fsr-3656	230	4	barniv	GPE
fsr-3656	232	1	the last few years	DATE
fsr-3656	232	2	moody’s	ORG
fsr-3656	232	3	duff	PERSON
fsr-3656	232	4	phelps	PERSON
fsr-3656	233	1	belth	ORG
fsr-3656	233	2	1990b	DATE
fsr-3656	237	1	one	CARDINAL
fsr-3656	238	1	1987	DATE
fsr-3656	239	1	17618 1	DATE
fsr-3656	239	2	226	CARDINAL
fsr-3656	239	3	1990	DATE
fsr-3656	241	1	one	CARDINAL
fsr-3656	241	2	koco, 1990	ORG
fsr-3656	249	1	75	CARDINAL
fsr-3656	249	2	u.s.	GPE
fsr-3656	271	1	1	CARDINAL
fsr-3656	271	2	2	CARDINAL
fsr-3656	272	1	76	CARDINAL
fsr-3656	272	2	l(1	ORG
fsr-3656	272	3	1991 4. 5	DATE
fsr-3656	272	4	6	CARDINAL
fsr-3656	272	5	1964	DATE
fsr-3656	272	6	mehr	GPE
fsr-3656	272	7	1980	DATE
fsr-3656	272	8	1982	DATE
fsr-3656	273	1	19831	DATE
fsr-3656	275	1	1990	DATE
fsr-3656	275	2	2601	CARDINAL
fsr-3656	275	3	lfb	ORG
fsr-3656	275	4	26.5 percent	PERCENT
fsr-3656	275	5	1982	DATE
fsr-3656	275	6	33-34 percent	PERCENT
fsr-3656	275	7	the mid-1980s	DATE
fsr-3656	276	1	44 percent	PERCENT
fsr-3656	276	2	1988	DATE
fsr-3656	276	3	a year	DATE
fsr-3656	276	4	23 percent	PERCENT
fsr-3656	277	1	19901	DATE
fsr-3656	277	2	lambert	ORG
fsr-3656	277	3	19901	DATE
fsr-3656	278	1	u.s. chamber of commerce	ORG
fsr-3656	278	2	19891	DATE
fsr-3656	279	1	group ltd plans	ORG
fsr-3656	279	2	1987	DATE
fsr-3656	280	1	18	CARDINAL
fsr-3656	281	1	ambrose	PERSON
fsr-3656	281	2	jan m.	PERSON
fsr-3656	281	3	j. allen seward	PERSON
fsr-3656	282	1	1988	DATE
fsr-3656	283	1	229	CARDINAL
fsr-3656	283	2	barniv	GPE
fsr-3656	283	3	robert a. hershbarger	PERSON
fsr-3656	284	1	1990	DATE
fsr-3656	285	1	57	CARDINAL
fsr-3656	285	2	1	CARDINAL
fsr-3656	285	3	110	CARDINAL
fsr-3656	286	1	belth	GPE
fsr-3656	286	2	joseph m. 1964	PERSON
fsr-3656	287	1	31(4	DATE
fsr-3656	287	2	539	CARDINAL
fsr-3656	287	3	belth	ORG
fsr-3656	287	4	joseph m. 1990	PERSON
fsr-3656	288	1	naic	ORG
fsr-3656	288	2	1990	DATE
fsr-3656	288	3	17(9	DATE
fsr-3656	288	4	143	CARDINAL
fsr-3656	289	1	belth	ORG
fsr-3656	289	2	joseph m. 1990	PERSON
fsr-3656	290	1	17	CARDINAL
fsr-3656	290	2	12	CARDINAL
fsr-3656	290	3	177	CARDINAL
fsr-3656	290	4	blease	PERSON
fsr-3656	290	5	roger l.	PERSON
fsr-3656	290	6	gary s. pallay.	PERSON
fsr-3656	291	1	1990	DATE
fsr-3656	292	1	90	CARDINAL
fsr-3656	292	2	10	CARDINAL
fsr-3656	292	3	101	CARDINAL
fsr-3656	293	1	allan p.	PERSON
fsr-3656	293	2	thomas p. burke	PERSON
fsr-3656	293	3	lora m. lovejoy	PERSON
fsr-3656	294	1	1988	DATE
fsr-3656	295	1	11 1	CARDINAL
fsr-3656	295	2	12	DATE
fsr-3656	295	3	9	CARDINAL
fsr-3656	296	1	john.	PERSON
fsr-3656	296	2	1989	DATE
fsr-3656	297	1	american	NORP
fsr-3656	297	2	79(3	CARDINAL
fsr-3656	297	3	482	CARDINAL
fsr-3656	298	1	bureau of labor statistics	ORG
fsr-3656	299	1	1989	DATE
fsr-3656	300	1	1988	DATE
fsr-3656	300	2	2336	DATE
fsr-3656	301	1	washington	GPE
fsr-3656	301	2	dc	GPE
fsr-3656	301	3	u.s.	GPE
fsr-3656	302	1	cox	ORG
fsr-3656	302	2	larry a.	PERSON
fsr-3656	302	3	sandra g. gustavson.	PERSON
fsr-3656	303	1	1990	DATE
fsr-3656	304	1	annual	DATE
fsr-3656	304	2	the academy of financial services	ORG
fsr-3656	304	3	october 24, 1990	DATE
fsr-3656	305	1	cox	ORG
fsr-3656	305	2	larry a.	PERSON
fsr-3656	305	3	sandra g. gustavson	PERSON
fsr-3656	305	4	1991	DATE
fsr-3656	306	1	5x	CARDINAL
fsr-3656	306	2	1	CARDINAL
fsr-3656	306	3	128-l 37	DATE
fsr-3656	307	1	devol	ORG
fsr-3656	307	2	karen r. 1986	PERSON
fsr-3656	309	1	washington	GPE
fsr-3656	309	2	dc	GPE
fsr-3656	310	1	77	CARDINAL
fsr-3656	310	2	david w.	PERSON
fsr-3656	310	3	1990	DATE
fsr-3656	311	1	1990	DATE
fsr-3656	312	1	cincinnati	GPE
fsr-3656	313	1	dykacz	PERSON
fsr-3656	313	2	janice m.	PERSON
fsr-3656	313	3	john c. hennessey	PERSON
fsr-3656	314	1	1989	DATE
fsr-3656	315	1	52(9	CARDINAL
fsr-3656	315	2	42	CARDINAL
fsr-3656	316	1	b.	PERSON
fsr-3656	317	1	1987	DATE
fsr-3656	318	1	7’he 1986	DATE
fsr-3656	319	1	hartford	GPE
fsr-3656	321	1	1983	DATE
fsr-3656	322	1	473486	DATE
fsr-3656	323	1	susan.	PERSON
fsr-3656	323	2	1989	DATE
fsr-3656	324	1	52(l	CARDINAL
fsr-3656	324	2	2	CARDINAL
fsr-3656	325	1	greenblum	PERSON
fsr-3656	325	2	joseph	PERSON
fsr-3656	325	3	barry bye.	PERSON
fsr-3656	325	4	1987	DATE
fsr-3656	326	1	67-74	DATE
fsr-3656	327	1	sandra g. 1982	PERSON
fsr-3656	328	1	290	CARDINAL
fsr-3656	329	1	halpern	ORG
fsr-3656	329	2	janice	PERSON
fsr-3656	329	3	jerry a. hausman	PERSON
fsr-3656	330	1	1986	DATE
fsr-3656	331	1	journal of public economics	ORG
fsr-3656	331	2	31	CARDINAL
fsr-3656	331	3	131	CARDINAL
fsr-3656	332	1	hansen	PERSON
fsr-3656	332	2	ronald w.	PERSON
fsr-3656	332	3	paul w. macavoy	PERSON
fsr-3656	332	4	clifford w. smith	PERSON
fsr-3656	332	5	jr.	PERSON
fsr-3656	332	6	1989	DATE
fsr-3656	333	1	252	CARDINAL
fsr-3656	335	1	1990	DATE
fsr-3656	336	1	philadelphia	GPE
fsr-3656	337	1	hennessey	PERSON
fsr-3656	337	2	john c.	PERSON
fsr-3656	337	3	janice m. dykacz	PERSON
fsr-3656	337	4	1989	DATE
fsr-3656	338	1	52(9	CARDINAL
fsr-3656	338	2	2	CARDINAL
fsr-3656	339	1	hill	ORG
fsr-3656	339	2	diane b. 1987	PERSON
fsr-3656	340	1	monthly	DATE
fsr-3656	340	2	110(7	DATE
fsr-3656	340	3	16	CARDINAL
fsr-3656	341	1	houff	PERSON
fsr-3656	341	2	james n.	PERSON
fsr-3656	341	3	william j. wiatrowski	PERSON
fsr-3656	342	1	1989	DATE
fsr-3656	343	1	monthly	DATE
fsr-3656	343	2	112(6	CARDINAL
fsr-3656	343	3	3-9	DATE
fsr-3656	344	1	kerns	PERSON
fsr-3656	344	2	wilmer l. 1989	ORG
fsr-3656	345	1	the united states	GPE
fsr-3656	345	2	37	CARDINAL
fsr-3656	346	1	koco	ORG
fsr-3656	346	2	linda	PERSON
fsr-3656	346	3	1990	DATE
fsr-3656	347	1	cigna	GPE
fsr-3656	347	2	5	DATE
fsr-3656	347	3	10	CARDINAL
fsr-3656	348	1	lambert	ORG
fsr-3656	348	2	1990	DATE
fsr-3656	349	1	wall street journal	ORG
fsr-3656	349	2	june 28, 1990	DATE
fsr-3656	349	3	a16	CARDINAL
fsr-3656	350	1	lando	PERSON
fsr-3656	350	2	mordechai e.	PERSON
fsr-3656	350	3	alice v. farley	PERSON
fsr-3656	350	4	mary a. brown	PERSON
fsr-3656	351	1	1982	DATE
fsr-3656	352	1	45(8	DATE
fsr-3656	352	2	3	CARDINAL
fsr-3656	353	1	lyons	PERSON
fsr-3656	353	2	james r. 1987	PERSON
fsr-3656	354	1	american	NORP
fsr-3656	354	2	41	CARDINAL
fsr-3656	354	3	1	CARDINAL
fsr-3656	354	4	56-63	DATE
fsr-3656	355	1	mehr	GPE
fsr-3656	355	2	robert i.	PERSON
fsr-3656	355	3	sandra g. gustavson	PERSON
fsr-3656	356	1	1987	DATE
fsr-3656	357	1	fourth	ORDINAL
fsr-3656	358	1	plano	GPE
fsr-3656	358	2	tx	ORG
fsr-3656	359	1	miller	ORG
fsr-3656	359	2	john h. 1978	PERSON
fsr-3656	360	1	clu journal	ORG
fsr-3656	360	2	32(4	CARDINAL
fsr-3656	360	3	12	CARDINAL
fsr-3656	361	1	ian	PERSON
fsr-3656	361	2	1989	DATE
fsr-3656	362	1	21	CARDINAL
fsr-3656	362	2	237-250	CARDINAL
fsr-3656	363	1	morris	PERSON
fsr-3656	363	2	jr	PERSON
fsr-3656	363	3	william h. 1986	PERSON
fsr-3656	365	1	lexington	GPE
fsr-3656	365	2	ky:	ORG
fsr-3656	365	3	lexington	GPE
fsr-3656	366	1	mudrick	PERSON
fsr-3656	366	2	nancy r. 1988	PERSON
fsr-3656	367	1	13(2	CARDINAL
fsr-3656	367	2	70-84	DATE
fsr-3656	368	1	nelson	PERSON
fsr-3656	368	2	jr.	PERSON
fsr-3656	368	3	william j. 1988a	PERSON
fsr-3656	369	1	1985	DATE
fsr-3656	369	2	5	CARDINAL
fsr-3656	369	3	1	CARDINAL
fsr-3656	369	4	4-9	DATE
fsr-3656	370	1	nelson	PERSON
fsr-3656	370	2	jr.	PERSON
fsr-3656	370	3	william j. 1988b	PERSON
fsr-3656	371	1	1980-84	DATE
fsr-3656	371	2	51(7	CARDINAL
fsr-3656	371	3	4-21	DATE
fsr-3656	372	1	l(1	ORG
fsr-3656	372	2	1991	DATE
fsr-3656	372	3	nelson	PERSON
fsr-3656	372	4	jr.	PERSON
fsr-3656	372	5	william j. 1989	PERSON
fsr-3656	373	1	the united states:	GPE
fsr-3656	373	2	27-36	DATE
fsr-3656	374	1	packard	ORG
fsr-3656	374	2	michael d. 1987	PERSON
fsr-3656	375	1	50(3	DATE
fsr-3656	375	2	s-23	DATE
fsr-3656	376	1	robert. 1990	PERSON
fsr-3656	377	1	u.s.	GPE
fsr-3656	377	2	new york times	ORG
fsr-3656	377	3	august 1, 1990	DATE
fsr-3656	378	1	al	PERSON
fsr-3656	378	2	daniel n. 1986	PERSON
fsr-3656	379	1	thirty-five years	DATE
fsr-3656	379	2	1948 83	DATE
fsr-3656	379	3	49(5	PRODUCT
fsr-3656	379	4	5	CARDINAL
fsr-3656	379	5	reno	GPE
fsr-3656	379	6	virginia	GPE
fsr-3656	379	7	daniel n. price	PERSON
fsr-3656	380	1	1985	DATE
fsr-3656	381	1	u.s.	GPE
fsr-3656	381	2	48(5	CARDINAL
fsr-3656	381	3	24-37	DATE
fsr-3656	382	1	rejda	ORG
fsr-3656	382	2	george e. 1984	PERSON
fsr-3656	383	1	2nd	ORDINAL
fsr-3656	384	1	englewood cliffs	GPE
fsr-3656	384	2	nj	ORG
fsr-3656	384	3	prentice-hall	ORG
fsr-3656	385	1	terry	PERSON
fsr-3656	385	2	robert i. mehr	PERSON
fsr-3656	386	1	1980	DATE
fsr-3656	387	1	48	CARDINAL
fsr-3656	387	2	1	CARDINAL
fsr-3656	387	3	44-60	DATE
fsr-3656	388	1	schwartz	GPE
fsr-3656	388	2	david	PERSON
fsr-3656	388	3	herman grundmann	PERSON
fsr-3656	388	4	1989	DATE
fsr-3656	389	1	the united states	GPE
fsr-3656	389	2	52(7	CARDINAL
fsr-3656	389	3	6-19	CARDINAL
fsr-3656	389	4	harold	PERSON
fsr-3656	389	5	1989	DATE
fsr-3656	390	1	the year	DATE
fsr-3656	390	2	56(l	DATE
fsr-3656	390	3	83	CARDINAL
fsr-3656	392	1	1990	DATE
fsr-3656	393	1	annual	DATE
fsr-3656	393	2	1989	DATE
fsr-3656	394	1	washington	GPE
fsr-3656	394	2	dc	GPE
fsr-3656	394	3	1990	DATE
fsr-3656	395	1	charles e. 1984	PERSON
fsr-3656	397	1	homewood	ORG
fsr-3656	398	1	suzanne k.	PERSON
fsr-3656	400	1	1988	DATE
fsr-3656	401	1	1988	DATE
fsr-3656	402	1	washington	GPE
fsr-3656	402	2	dc	GPE
fsr-3656	402	3	american council of life insurance	ORG
fsr-3656	403	1	u.s. chamber of commerce	ORG
fsr-3656	403	2	1989	DATE
fsr-3656	405	1	washington	GPE
fsr-3656	405	2	dc	GPE
fsr-3656	405	3	u.s. chamber of commerce	ORG
fsr-3656	406	1	zucconi	ORG
fsr-3656	406	2	paul j. 1987	PERSON
fsr-3656	408	1	atlanta	GPE
fsr-3656	408	2	ga	ORG