id	sid	eid	entity	type
fsr-3807	1	1	6(1	CARDINAL
fsr-3807	1	2	41	CARDINAL
fsr-3807	1	3	1057-0810	DATE
fsr-3807	1	4	1997	DATE
fsr-3807	1	5	jai press inc	ORG
fsr-3807	2	1	thomas h. eyssell	PERSON
fsr-3807	2	2	o	DATE
fsr-3807	3	1	one	CARDINAL
fsr-3807	4	1	o	DATE
fsr-3807	5	1	monthly	DATE
fsr-3807	5	2	four years	DATE
fsr-3807	7	1	monthly	DATE
fsr-3807	8	1	o	DATE
fsr-3807	10	1	135	CARDINAL
fsr-3807	10	2	400	CARDINAL
fsr-3807	12	1	weekly	DATE
fsr-3807	12	2	october 11, 1996	DATE
fsr-3807	13	1	i. introduction	PERSON
fsr-3807	15	1	thomas el eysseil •	PERSON
fsr-3807	15	2	university of missouri-st. louis	ORG
fsr-3807	15	3	8001 natural bridge	QUANTITY
fsr-3807	15	4	st. louis	GPE
fsr-3807	15	5	42	CARDINAL
fsr-3807	15	6	6(1	CARDINAL
fsr-3807	15	7	1997	DATE
fsr-3807	17	1	monthly	DATE
fsr-3807	17	2	four years	DATE
fsr-3807	21	1	three	CARDINAL
fsr-3807	23	1	the wall street journal	ORG
fsr-3807	23	2	four-year	DATE
fsr-3807	23	3	1993-1994	DATE
fsr-3807	23	4	10	CARDINAL
fsr-3807	23	5	1964-1965	DATE
fsr-3807	24	1	the college board	ORG
fsr-3807	24	2	1995-1996	DATE
fsr-3807	24	3	about 5%	PERCENT
fsr-3807	24	4	the fourth year in a row	DATE
fsr-3807	25	1	the wall street journal	ORG
fsr-3807	25	2	september 29, 1996	DATE
fsr-3807	26	1	between 1975 and 1995	DATE
fsr-3807	26	2	annual	DATE
fsr-3807	26	3	as low as 2.9 percent	PERCENT
fsr-3807	26	4	1995	DATE
fsr-3807	26	5	10.7 percent	PERCENT
fsr-3807	26	6	1981	DATE
fsr-3807	26	7	annual	DATE
fsr-3807	26	8	5.8 percent	PERCENT
fsr-3807	27	1	the last two decades	DATE
fsr-3807	30	1	$50 billion	MONEY
fsr-3807	30	2	1995	DATE
fsr-3807	30	3	approximately 4 percent	PERCENT
fsr-3807	30	4	the previous year	DATE
fsr-3807	32	1	first	ORDINAL
fsr-3807	33	1	fenske	PERSON
fsr-3807	33	2	1loan	CARDINAL
fsr-3807	33	3	fewer federal dollars	MONEY
fsr-3807	33	4	1994	DATE
fsr-3807	33	5	502	CARDINAL
fsr-3807	34	1	1992	DATE
fsr-3807	35	1	second	ORDINAL
fsr-3807	36	1	1986	DATE
fsr-3807	36	2	43	CARDINAL
fsr-3807	36	3	10 years to 25 years	DATE
fsr-3807	37	1	monthly	DATE
fsr-3807	38	1	one	CARDINAL
fsr-3807	38	2	fenske & barberini	ORG
fsr-3807	38	3	1994	DATE
fsr-3807	38	4	503	CARDINAL
fsr-3807	40	1	one	CARDINAL
fsr-3807	42	1	ben	PERSON
fsr-3807	43	1	two	CARDINAL
fsr-3807	44	1	first	ORDINAL
fsr-3807	45	1	colin	PERSON
fsr-3807	45	2	hughes	ORG
fsr-3807	45	3	1994	DATE
fsr-3807	45	4	1969-1985	DATE
fsr-3807	45	5	the late 1960s	DATE
fsr-3807	45	6	the mid 1970s	DATE
fsr-3807	45	7	the mid-1980s	DATE
fsr-3807	47	1	hecker	PERSON
fsr-3807	47	2	1992	DATE
fsr-3807	48	1	1973	DATE
fsr-3807	48	2	heywood (1994)	ORG
fsr-3807	48	3	1974	DATE
fsr-3807	48	4	1977	DATE
fsr-3807	51	1	millions	CARDINAL
fsr-3807	51	2	each year	DATE
fsr-3807	51	3	one	CARDINAL
fsr-3807	51	4	one	CARDINAL
fsr-3807	53	1	1 and 2	CARDINAL
fsr-3807	53	2	the american institute of certified public accountants	ORG
fsr-3807	53	3	aicpa	ORG
fsr-3807	54	1	1	CARDINAL
fsr-3807	55	1	one	CARDINAL
fsr-3807	55	2	five year-old	DATE
fsr-3807	55	3	10,000	MONEY
fsr-3807	55	4	today	DATE
fsr-3807	55	5	7 percent	PERCENT
fsr-3807	55	6	annually	DATE
fsr-3807	55	7	four years	DATE
fsr-3807	55	8	106,996	MONEY
fsr-3807	55	9	two	CARDINAL
fsr-3807	56	1	four	CARDINAL
fsr-3807	57	1	106,996	MONEY
fsr-3807	57	2	10,000(1.07	MONEY
fsr-3807	57	3	13 + $	MONEY
fsr-3807	57	4	10,000(1.07	MONEY
fsr-3807	57	5	14 + $10,000(1.07)15 + $10,000(1.07)16	MONEY
fsr-3807	58	1	three	CARDINAL
fsr-3807	58	2	four	CARDINAL
fsr-3807	58	3	five	CARDINAL
fsr-3807	58	4	44	CARDINAL
fsr-3807	58	5	6(1	CARDINAL
fsr-3807	58	6	1997	DATE
fsr-3807	58	7	1	CARDINAL
fsr-3807	58	8	four years	DATE
fsr-3807	58	9	annual	DATE
fsr-3807	58	10	monthly	DATE
fsr-3807	58	11	1 $140,250 $37,905 $3,848 $	MONEY
fsr-3807	58	12	323	MONEY
fsr-3807	58	13	4,002	CARDINAL
fsr-3807	58	14	122,499	CARDINAL
fsr-3807	58	15	38,617	CARDINAL
fsr-3807	58	16	4,177	CARDINAL
fsr-3807	58	17	352	CARDINAL
fsr-3807	58	18	4,378	CARDINAL
fsr-3807	58	19	369	CARDINAL
fsr-3807	58	20	389	CARDINAL
fsr-3807	58	21	6 99,996	CARDINAL
fsr-3807	58	22	413	CARDINAL
fsr-3807	58	23	93,454	CARDINAL
fsr-3807	58	24	441	CARDINAL
fsr-3807	58	25	474	CARDINAL
fsr-3807	58	26	515	CARDINAL
fsr-3807	58	27	566 11	CARDINAL
fsr-3807	58	28	41,600	CARDINAL
fsr-3807	58	29	8,410	CARDINAL
fsr-3807	58	30	719	CARDINAL
fsr-3807	58	31	42,382	CARDINAL
fsr-3807	58	32	842	CARDINAL
fsr-3807	58	33	1,333	CARDINAL
fsr-3807	58	34	17	CARDINAL
fsr-3807	58	35	43,988	CARDINAL
fsr-3807	58	36	3,791	CARDINAL
fsr-3807	58	37	aicpa personal financial planning	ORG
fsr-3807	59	1	7%	PERCENT
fsr-3807	59	2	8%	PERCENT
fsr-3807	59	3	10,000	MONEY
fsr-3807	59	4	annually	DATE
fsr-3807	60	1	eight percent	PERCENT
fsr-3807	60	2	one	CARDINAL
fsr-3807	60	3	annual	DATE
fsr-3807	60	4	monthly	DATE
fsr-3807	61	1	39,342	MONEY
fsr-3807	61	2	today	DATE
fsr-3807	61	3	thirteen	CARDINAL
fsr-3807	61	4	4,609	MONEY
fsr-3807	61	5	one year	DATE
fsr-3807	61	6	today	DATE
fsr-3807	61	7	156	CARDINAL
fsr-3807	61	8	13	CARDINAL
fsr-3807	61	9	12	CARDINAL
fsr-3807	61	10	monthly	DATE
fsr-3807	61	11	389	MONEY
fsr-3807	61	12	one month	DATE
fsr-3807	61	13	today	DATE
fsr-3807	62	1	the college board	ORG
fsr-3807	62	2	2	CARDINAL
fsr-3807	63	1	four years	DATE
fsr-3807	63	2	monthly	DATE
fsr-3807	64	1	6 percent	PERCENT
fsr-3807	64	2	annual	DATE
fsr-3807	64	3	8 percent	PERCENT
fsr-3807	65	1	2	CARDINAL
fsr-3807	65	2	four years	DATE
fsr-3807	65	3	three to seventeen years from today	DATE
fsr-3807	65	4	age eighteen	DATE
fsr-3807	65	5	fifteen	CARDINAL
fsr-3807	66	1	four years	DATE
fsr-3807	66	2	65,231	MONEY
fsr-3807	66	3	five years old	DATE
fsr-3807	66	4	today	DATE
fsr-3807	67	1	6,991	MONEY
fsr-3807	67	2	one year	DATE
fsr-3807	68	1	45	CARDINAL
fsr-3807	68	2	2	CARDINAL
fsr-3807	68	3	monthly	DATE
fsr-3807	68	4	monthly	DATE
fsr-3807	68	5	4 years	DATE
fsr-3807	68	6	4 years	DATE
fsr-3807	68	7	monthly	DATE
fsr-3807	68	8	1 $82,353 $	MONEY
fsr-3807	68	9	180,444	MONEY
fsr-3807	68	10	201	CARDINAL
fsr-3807	68	11	440	CARDINAL
fsr-3807	68	12	69,145	CARDINAL
fsr-3807	68	13	492	CARDINAL
fsr-3807	68	14	65,231	CARDINAL
fsr-3807	68	15	142,928	CARDINAL
fsr-3807	68	16	134,834	CARDINAL
fsr-3807	68	17	561	CARDINAL
fsr-3807	68	18	276	CARDINAL
fsr-3807	68	19	604	CARDINAL
fsr-3807	68	20	54,769	CARDINAL
fsr-3807	68	21	656	CARDINAL
fsr-3807	68	22	51,669	CARDINAL
fsr-3807	68	23	719	CARDINAL
fsr-3807	68	24	48,745	CARDINAL
fsr-3807	68	25	798	CARDINAL
fsr-3807	68	26	1	CARDINAL
fsr-3807	68	27	471	CARDINAL
fsr-3807	68	28	1,033	CARDINAL
fsr-3807	68	29	13	CARDINAL
fsr-3807	68	30	557	CARDINAL
fsr-3807	68	31	1,220	CARDINAL
fsr-3807	68	32	14	CARDINAL
fsr-3807	68	33	685	CARDINAL
fsr-3807	68	34	1,501	CARDINAL
fsr-3807	68	35	1,969	CARDINAL
fsr-3807	69	1	6%	PERCENT
fsr-3807	69	2	8%	PERCENT
fsr-3807	69	3	6,991	MONEY
fsr-3807	69	4	annually	DATE
fsr-3807	70	1	65,231	MONEY
fsr-3807	70	2	monthly	DATE
fsr-3807	70	3	239	MONEY
fsr-3807	70	4	8 percent	PERCENT
fsr-3807	71	1	monthly	DATE
fsr-3807	71	2	fifteen years old	DATE
fsr-3807	71	3	899	MONEY
fsr-3807	73	1	2	CARDINAL
fsr-3807	73	2	four years	DATE
fsr-3807	73	3	first	ORDINAL
fsr-3807	74	1	the freshman year	DATE
fsr-3807	74	2	the remaining four years	DATE
fsr-3807	75	1	1	CARDINAL
fsr-3807	77	1	three	CARDINAL
fsr-3807	77	2	monthly	DATE
fsr-3807	78	1	46	CARDINAL
fsr-3807	78	2	6(1	CARDINAL
fsr-3807	78	3	1997	DATE
fsr-3807	79	1	first	ORDINAL
fsr-3807	79	2	the coming year	DATE
fsr-3807	80	1	annual	DATE
fsr-3807	81	1	semi-annual	DATE
fsr-3807	81	2	quarterly	DATE
fsr-3807	82	1	second	ORDINAL
fsr-3807	82	2	the second year	DATE
fsr-3807	84	1	second	ORDINAL
fsr-3807	84	2	thirty-six	CARDINAL
fsr-3807	84	3	monthly	DATE
fsr-3807	84	4	monthly	DATE
fsr-3807	88	1	monthly	DATE
fsr-3807	88	2	one month	DATE
fsr-3807	88	3	the fourth year	DATE
fsr-3807	89	1	the first three years	DATE
fsr-3807	89	2	first	ORDINAL
fsr-3807	89	3	one	CARDINAL
fsr-3807	89	4	two	CARDINAL
fsr-3807	89	5	three years	DATE
fsr-3807	92	1	baum, 1994	ORG
fsr-3807	94	1	6 and 8 percent	PERCENT
fsr-3807	94	2	monthly	DATE
fsr-3807	95	1	five-year old	DATE
fsr-3807	95	2	monthly	DATE
fsr-3807	95	3	190	MONEY
fsr-3807	95	4	approximately one	CARDINAL
fsr-3807	95	5	fifth	ORDINAL
fsr-3807	95	6	15-year-old	DATE
fsr-3807	95	7	monthly	DATE
fsr-3807	95	8	445	MONEY
fsr-3807	95	9	2	CARDINAL
fsr-3807	97	1	8 percent	PERCENT
fsr-3807	97	2	6 percent	PERCENT
fsr-3807	100	1	the last two decades	DATE
fsr-3807	101	1	1975	DATE
fsr-3807	101	2	annual	DATE
fsr-3807	101	3	u.s.	GPE
fsr-3807	101	4	treasury	ORG
fsr-3807	101	5	47	CARDINAL
fsr-3807	101	6	40.4 percent	PERCENT
fsr-3807	102	1	annual	DATE
fsr-3807	102	2	500	CARDINAL
fsr-3807	102	3	approximately -25 percent to 45 percent	PERCENT
fsr-3807	102	4	the same period	DATE
fsr-3807	103	1	ibbotson &	ORG
fsr-3807	103	2	1995	DATE
fsr-3807	104	1	one	CARDINAL
fsr-3807	104	2	monthly	DATE
fsr-3807	105	1	two	CARDINAL
fsr-3807	106	1	first	ORDINAL
fsr-3807	106	2	annual	DATE
fsr-3807	107	1	monthly	DATE
fsr-3807	108	1	3	CARDINAL
fsr-3807	108	2	four years	DATE
fsr-3807	108	3	0 to 18 years	DATE
fsr-3807	108	4	annual	DATE
fsr-3807	108	5	0 to 10 percent	PERCENT
fsr-3807	109	1	annual	DATE
fsr-3807	110	1	jones	PERSON
fsr-3807	110	2	5-year-old	DATE
fsr-3807	110	3	15-year-old	DATE
fsr-3807	110	4	6,991	MONEY
fsr-3807	110	5	annually	DATE
fsr-3807	111	1	6 percent	PERCENT
fsr-3807	111	2	annual	DATE
fsr-3807	112	1	four years	DATE
fsr-3807	112	2	15-year-old	DATE
fsr-3807	112	3	36,425	MONEY
fsr-3807	112	4	6,991	MONEY
fsr-3807	112	5	5.2102	CARDINAL
fsr-3807	113	1	65,231	MONEY
fsr-3807	113	2	6,991	MONEY
fsr-3807	113	3	9.3307	CARDINAL
fsr-3807	114	1	3	CARDINAL
fsr-3807	115	1	18	CARDINAL
fsr-3807	116	1	2	CARDINAL
fsr-3807	117	1	compu tation	ORG
fsr-3807	118	1	second	ORDINAL
fsr-3807	118	2	monthly	DATE
fsr-3807	122	1	4	CARDINAL
fsr-3807	122	2	6	CARDINAL
fsr-3807	122	3	four	CARDINAL
fsr-3807	122	4	twelve percent	PERCENT
fsr-3807	122	5	48	CARDINAL
fsr-3807	122	6	6(1	CARDINAL
fsr-3807	122	7	1996	DATE
fsr-3807	123	1	ii!ii	ORG
fsr-3807	123	2	49	CARDINAL
fsr-3807	123	3	4	CARDINAL
fsr-3807	123	4	4%	PERCENT
fsr-3807	123	5	2%	PERCENT
fsr-3807	123	6	4%	PERCENT
fsr-3807	123	7	6%	PERCENT
fsr-3807	123	8	8%	PERCENT
fsr-3807	123	9	10%	PERCENT
fsr-3807	123	10	18	CARDINAL
fsr-3807	124	1	0	CARDINAL
fsr-3807	124	2	0.064966	MONEY
fsr-3807	124	3	11	CARDINAL
fsr-3807	124	4	0.019809 0.026758 0.035956	MONEY
fsr-3807	124	5	0.018662	CARDINAL
fsr-3807	124	6	0.017634 0.024764 0.034569	NORP
fsr-3807	124	7	18	CARDINAL
fsr-3807	125	1	monthly	DATE
fsr-3807	125	2	annual	DATE
fsr-3807	126	1	5	CARDINAL
fsr-3807	126	2	fac	ORG
fsr-3807	126	3	8 percent	PERCENT
fsr-3807	126	4	2 to 10 percent	PERCENT
fsr-3807	127	1	6 percent	PERCENT
fsr-3807	128	1	monthly	DATE
fsr-3807	128	2	5-year-old	DATE
fsr-3807	128	3	thirteen years from today	DATE
fsr-3807	128	4	189.52	MONEY
fsr-3807	128	5	6,991	MONEY
fsr-3807	129	1	15-year-old	DATE
fsr-3807	129	2	6,991	MONEY
fsr-3807	131	1	monthly	DATE
fsr-3807	131	2	annual	DATE
fsr-3807	131	3	monthly	DATE
fsr-3807	133	1	50	CARDINAL
fsr-3807	133	2	6(1	CARDINAL
fsr-3807	133	3	1997	DATE
fsr-3807	133	4	5	CARDINAL
fsr-3807	133	5	8%	PERCENT
fsr-3807	133	6	years age	DATE
fsr-3807	133	7	2%	PERCENT
fsr-3807	133	8	4%	PERCENT
fsr-3807	133	9	6%	PERCENT
fsr-3807	133	10	8%	PERCENT
fsr-3807	133	11	10%	PERCENT
fsr-3807	133	12	18	CARDINAL
fsr-3807	133	13	0.124826	MONEY
fsr-3807	134	1	0.085663	MONEY
fsr-3807	134	2	3	CARDINAL
fsr-3807	136	1	75	CARDINAL
fsr-3807	136	2	0	CARDINAL
fsr-3807	136	3	11	CARDINAL
fsr-3807	136	4	1 17	CARDINAL
fsr-3807	136	5	18	CARDINAL
fsr-3807	137	1	71 vi	PERSON
fsr-3807	137	2	2	CARDINAL
fsr-3807	138	1	monthly	DATE
fsr-3807	138	2	two	CARDINAL
fsr-3807	140	1	2	CARDINAL
fsr-3807	140	2	monthly	DATE
fsr-3807	140	3	157	MONEY
fsr-3807	140	4	one-year-old	DATE
fsr-3807	140	5	191	MONEY
fsr-3807	140	6	17.6 per cent	MONEY
fsr-3807	140	7	445	MONEY
fsr-3807	140	8	899	MONEY
fsr-3807	140	9	fifteen-year-old	DATE
fsr-3807	142	1	4	CARDINAL
fsr-3807	142	2	monthly	DATE
fsr-3807	143	1	between 4 and 5 percent	CARDINAL
fsr-3807	143	2	between 7 and 8 percent	CARDINAL
fsr-3807	143	3	just over 12	CARDINAL
fsr-3807	143	4	51	CARDINAL
fsr-3807	143	5	6	CARDINAL
fsr-3807	143	6	12%	PERCENT
fsr-3807	144	1	years age	DATE
fsr-3807	144	2	2%	PERCENT
fsr-3807	144	3	4%	PERCENT
fsr-3807	144	4	6%	PERCENT
fsr-3807	144	5	8%	PERCENT
fsr-3807	144	6	10%	PERCENT
fsr-3807	144	7	18	CARDINAL
fsr-3807	145	1	1	CARDINAL
fsr-3807	145	2	0	CARDINAL
fsr-3807	145	3	0	CARDINAL
fsr-3807	146	1	3	CARDINAL
fsr-3807	146	2	0	CARDINAL
fsr-3807	147	1	14 4	DATE
fsr-3807	147	2	0	CARDINAL
fsr-3807	148	1	13 5	DATE
fsr-3807	148	2	0	CARDINAL
fsr-3807	148	3	0.043795	CARDINAL
fsr-3807	148	4	0	CARDINAL
fsr-3807	149	1	0	CARDINAL
fsr-3807	149	2	0	CARDINAL
fsr-3807	149	3	0	CARDINAL
fsr-3807	151	1	11	CARDINAL
fsr-3807	151	2	0	CARDINAL
fsr-3807	151	3	0	CARDINAL
fsr-3807	151	4	2 9	TIME
fsr-3807	151	5	0	CARDINAL
fsr-3807	151	6	0	CARDINAL
fsr-3807	152	1	0	CARDINAL
fsr-3807	153	1	0.019394	CARDINAL
fsr-3807	153	2	0	CARDINAL
fsr-3807	154	1	0.022503	MONEY
fsr-3807	155	1	0	CARDINAL
fsr-3807	156	1	0	CARDINAL
fsr-3807	156	2	0	CARDINAL
fsr-3807	157	1	18	CARDINAL
fsr-3807	158	1	0	CARDINAL
fsr-3807	159	1	0.027232 cent	MONEY
fsr-3807	160	1	4	CARDINAL
fsr-3807	160	2	5	DATE
fsr-3807	160	3	6	CARDINAL
fsr-3807	160	4	4	CARDINAL
fsr-3807	160	5	8	DATE
fsr-3807	160	6	12 percent	PERCENT
fsr-3807	161	1	monthly	DATE
fsr-3807	162	1	4 percent	PERCENT
fsr-3807	163	1	takachance	PERSON
fsr-3807	163	2	12 percent	PERCENT
fsr-3807	164	1	five	DATE
fsr-3807	164	2	6,991	MONEY
fsr-3807	164	3	6 percent	PERCENT
fsr-3807	164	4	$257 (= $6,991	MONEY
fsr-3807	165	1	$136 (= $6,991	MONEY
fsr-3807	166	1	monthly	DATE
fsr-3807	167	1	52	CARDINAL
fsr-3807	167	2	servic'f~	ORG
fsr-3807	167	3	6(1	CARDINAL
fsr-3807	167	4	1997	DATE
fsr-3807	168	1	first	ORDINAL
fsr-3807	168	2	one	CARDINAL
fsr-3807	169	1	two	CARDINAL
fsr-3807	170	1	annual	DATE
fsr-3807	172	1	monthly	DATE
fsr-3807	172	2	today	DATE
fsr-3807	172	3	annual	DATE
fsr-3807	174	1	monthly	DATE
fsr-3807	175	1	1973	DATE
fsr-3807	177	1	journal of public economics	ORG
fsr-3807	177	2	2	CARDINAL
fsr-3807	177	3	193	CARDINAL
fsr-3807	178	1	banm~ s.	PERSON
fsr-3807	178	2	1994	DATE
fsr-3807	180	1	studentfinancialaid	ORG
fsr-3807	180	2	24	DATE
fsr-3807	180	3	17	CARDINAL
fsr-3807	182	1	1996	DATE
fsr-3807	185	1	cohn, e., & hughes	ORG
fsr-3807	185	2	w.	PERSON
fsr-3807	185	3	1994	DATE
fsr-3807	186	1	the united states	GPE
fsr-3807	186	2	1969-1985	DATE
fsr-3807	187	1	13	CARDINAL
fsr-3807	187	2	109	CARDINAL
fsr-3807	188	1	fenske	ORG
fsr-3807	188	2	r., & batberini	ORG
fsr-3807	188	3	1995	DATE
fsr-3807	191	1	new york	GPE
fsr-3807	191	2	macmillan publishing	ORG
fsr-3807	192	1	feldstein	ORG
fsr-3807	192	2	m. (1992)	ORG
fsr-3807	194	1	4032	CARDINAL
fsr-3807	196	1	hecker	PERSON
fsr-3807	196	2	1992	DATE
fsr-3807	197	1	monthly	DATE
fsr-3807	197	2	july	DATE
fsr-3807	197	3	3	CARDINAL
fsr-3807	198	1	heywood	ORG
fsr-3807	198	2	1994	DATE
fsr-3807	198	3	u.s.	GPE
fsr-3807	199	1	13	CARDINAL
fsr-3807	199	2	227	CARDINAL
fsr-3807	200	1	ibbotson associates	ORG
fsr-3807	201	1	1995	DATE
fsr-3807	203	1	chicago	GPE
fsr-3807	204	1	research associates	ORG
fsr-3807	205	1	1995	DATE
fsr-3807	206	1	& librariesd1995	ORG
fsr-3807	207	1	washington	GPE
fsr-3807	207	2	dc	GPE
fsr-3807	208	1	spence	PERSON
fsr-3807	208	2	m. (	PERSON
fsr-3807	208	3	1974	DATE
fsr-3807	210	1	cambridge	GPE
fsr-3807	210	2	ma: harvard press	ORG
fsr-3807	211	1	wolpin	PERSON
fsr-3807	211	2	k.	PERSON
fsr-3807	211	3	1977	DATE
fsr-3807	213	1	american	NORP
fsr-3807	213	2	67	CARDINAL
fsr-3807	213	3	949	CARDINAL