id	sid	eid	entity	type
fsr-3858	1	1	yoonkyung yuha	ORG
fsr-3858	1	2	sherman hannab	PERSON
fsr-3858	1	3	catherine phillips montaltoc	PERSON
fsr-3858	1	4	6th	ORDINAL
fsr-3858	1	5	yumri-dong	PERSON
fsr-3858	1	6	seoul korea	GPE
fsr-3858	1	7	textile sciences department	ORG
fsr-3858	1	8	the ohio state university	ORG
fsr-3858	1	9	1787	DATE
fsr-3858	1	10	neil ave.	PERSON
fsr-3858	1	11	columbus	GPE
fsr-3858	1	12	usa cassistant	PERSON
fsr-3858	1	13	textile sciences department	ORG
fsr-3858	1	14	the ohio state university	ORG
fsr-3858	1	15	1787	DATE
fsr-3858	1	16	neil ave.	PERSON
fsr-3858	1	17	columbus	GPE
fsr-3858	1	18	1995	DATE
fsr-3858	1	19	united states	GPE
fsr-3858	2	1	52%	PERCENT
fsr-3858	3	1	only 42%	PERCENT
fsr-3858	7	1	1998	DATE
fsr-3858	7	2	science inc.	ORG
fsr-3858	9	1	1	CARDINAL
fsr-3858	9	2	the united states	GPE
fsr-3858	10	1	65 years old	DATE
fsr-3858	10	2	1996	DATE
fsr-3858	10	3	34 million	CARDINAL
fsr-3858	10	4	11	CARDINAL
fsr-3858	10	5	1900	DATE
fsr-3858	10	6	3 million	CARDINAL
fsr-3858	11	1	this same period	DATE
fsr-3858	11	2	under 65 years old	DATE
fsr-3858	12	1	the middle of the 21st century	DATE
fsr-3858	12	2	79 million	CARDINAL
fsr-3858	12	3	20%	PERCENT
fsr-3858	12	4	the united states	GPE
fsr-3858	12	5	u.s.	GPE
fsr-3858	12	6	1998	DATE
fsr-3858	15	1	614	CARDINAL
fsr-3858	15	2	614	CARDINAL
fsr-3858	16	1	s. hanna	ORG
fsr-3858	16	2	7	CARDINAL
fsr-3858	16	3	1998	DATE
fsr-3858	17	1	175–193	CARDINAL
fsr-3858	17	2	1998	DATE
fsr-3858	17	3	science inc.	ORG
fsr-3858	20	1	age 67	DATE
fsr-3858	20	2	u.s.	GPE
fsr-3858	20	3	general accounting office	ORG
fsr-3858	20	4	1996	DATE
fsr-3858	21	1	the united states	GPE
fsr-3858	21	2	september, 1998	DATE
fsr-3858	21	3	u.s. department of commerce	ORG
fsr-3858	21	4	1998	DATE
fsr-3858	23	1	van derhei	PERSON
fsr-3858	23	2	1996	DATE
fsr-3858	27	1	more than one	CARDINAL
fsr-3858	30	1	2	CARDINAL
fsr-3858	30	2	2.1	CARDINAL
fsr-3858	31	1	those years	DATE
fsr-3858	34	1	duncan et al	PERSON
fsr-3858	35	1	1984	DATE
fsr-3858	36	1	the retirement years	DATE
fsr-3858	38	1	2.1.1	CARDINAL
fsr-3858	38	2	modigliani	ORG
fsr-3858	38	3	brumberg	PERSON
fsr-3858	38	4	1954	DATE
fsr-3858	39	1	bernheim et al	PERSON
fsr-3858	40	1	1997	DATE
fsr-3858	40	2	176	CARDINAL
fsr-3858	40	3	y. yuh et al	PERSON
fsr-3858	40	4	7	CARDINAL
fsr-3858	40	5	1998	DATE
fsr-3858	41	1	175–193	CARDINAL
fsr-3858	44	1	duncan et al	PERSON
fsr-3858	45	1	1984	DATE
fsr-3858	45	2	100%	PERCENT
fsr-3858	45	3	70% to 90%	PERCENT
fsr-3858	46	1	1988	DATE
fsr-3858	46	2	1990	DATE
fsr-3858	46	3	mitchell	PERSON
fsr-3858	46	4	moore	PERSON
fsr-3858	46	5	1997	DATE
fsr-3858	47	1	1989, 1994	DATE
fsr-3858	48	1	65% to 85%	PERCENT
fsr-3858	49	1	li et al.	PERSON
fsr-3858	49	2	1996	DATE
fsr-3858	51	1	moore	PERSON
fsr-3858	51	2	mitchell	PERSON
fsr-3858	51	3	1997	DATE
fsr-3858	52	1	yuh et al	PERSON
fsr-3858	53	1	1998	DATE
fsr-3858	54	1	2.1.2	CARDINAL
fsr-3858	56	1	duncan et al	PERSON
fsr-3858	57	1	1984	DATE
fsr-3858	58	1	1988	DATE
fsr-3858	58	2	li et al	PERSON
fsr-3858	58	3	1996	DATE
fsr-3858	58	4	moore	PERSON
fsr-3858	58	5	mitchell	PERSON
fsr-3858	58	6	1997	DATE
fsr-3858	58	7	yuh et al	PERSON
fsr-3858	59	1	1998	DATE
fsr-3858	60	1	1990	DATE
fsr-3858	61	1	bernheim	GPE
fsr-3858	61	2	1996	DATE
fsr-3858	62	1	the united states	GPE
fsr-3858	63	1	second	ORDINAL
fsr-3858	66	1	moore	PERSON
fsr-3858	66	2	1997	DATE
fsr-3858	66	3	andrews	GPE
fsr-3858	66	4	1993	DATE
fsr-3858	68	1	li et al	PERSON
fsr-3858	68	2	1996	DATE
fsr-3858	71	1	yuh et al	PERSON
fsr-3858	71	2	7	CARDINAL
fsr-3858	71	3	1998	DATE
fsr-3858	72	1	175–193	CARDINAL
fsr-3858	74	1	1988	DATE
fsr-3858	74	2	moore	ORG
fsr-3858	74	3	mitchell	PERSON
fsr-3858	74	4	1997	DATE
fsr-3858	74	5	yuh et al.	PERSON
fsr-3858	74	6	1998	DATE
fsr-3858	75	1	1988	DATE
fsr-3858	75	2	0% and 3%	PERCENT
fsr-3858	76	1	moore	PERSON
fsr-3858	76	2	mitchell	PERSON
fsr-3858	76	3	1997	DATE
fsr-3858	78	1	yuh et al	PERSON
fsr-3858	79	1	1998	DATE
fsr-3858	80	1	2.1.3	CARDINAL
fsr-3858	81	1	moore	PERSON
fsr-3858	81	2	mitchell	PERSON
fsr-3858	81	3	1997	DATE
fsr-3858	83	1	ages 62 and 65	DATE
fsr-3858	85	1	an additional 16%	PERCENT
fsr-3858	85	2	age 62	DATE
fsr-3858	85	3	an additional seven percent	PERCENT
fsr-3858	85	4	age 65	DATE
fsr-3858	86	1	moore	PERSON
fsr-3858	86	2	1997	DATE
fsr-3858	86	3	age 56 in 1992	DATE
fsr-3858	86	4	annual	DATE
fsr-3858	86	5	46,000	MONEY
fsr-3858	87	1	age 65	DATE
fsr-3858	87	2	60%	PERCENT
fsr-3858	87	3	40%	PERCENT
fsr-3858	88	1	70%	PERCENT
fsr-3858	88	2	80%	PERCENT
fsr-3858	89	1	american	NORP
fsr-3858	90	1	bernheim	GPE
fsr-3858	90	2	1996	DATE
fsr-3858	90	3	the retirement years	DATE
fsr-3858	90	4	merrill lynch	ORG
fsr-3858	92	1	three	CARDINAL
fsr-3858	94	1	36%	PERCENT
fsr-3858	94	2	178	CARDINAL
fsr-3858	94	3	7	CARDINAL
fsr-3858	94	4	1998	DATE
fsr-3858	94	5	175–193	CARDINAL
fsr-3858	94	6	the retirement years	DATE
fsr-3858	94	7	bernheim	GPE
fsr-3858	94	8	1996	DATE
fsr-3858	94	9	22	CARDINAL
fsr-3858	95	1	1988	DATE
fsr-3858	95	2	duncan et al	PERSON
fsr-3858	96	1	1984	DATE
fsr-3858	96	2	1983	DATE
fsr-3858	99	1	2.1.4	CARDINAL
fsr-3858	100	1	li et al	PERSON
fsr-3858	100	2	1996	DATE
fsr-3858	101	1	between 1907 and 1921	DATE
fsr-3858	102	1	only 46%	PERCENT
fsr-3858	104	1	age 65 or later	DATE
fsr-3858	105	1	yuh et al	PERSON
fsr-3858	106	1	1998	DATE
fsr-3858	106	2	1995	DATE
fsr-3858	106	3	slightly more than half	CARDINAL
fsr-3858	106	4	the years	DATE
fsr-3858	108	1	two	CARDINAL
fsr-3858	115	1	later ages	DATE
fsr-3858	121	1	yuh et al	PERSON
fsr-3858	121	2	7	CARDINAL
fsr-3858	121	3	1998	DATE
fsr-3858	122	1	175–193	CARDINAL
fsr-3858	124	1	li et al.	PERSON
fsr-3858	124	2	1996	DATE
fsr-3858	124	3	yuh et al.	PERSON
fsr-3858	125	1	2.2	CARDINAL
fsr-3858	126	1	1992	DATE
fsr-3858	127	1	hatcher	PERSON
fsr-3858	127	2	1997	DATE
fsr-3858	129	1	1	CARDINAL
fsr-3858	129	2	1	CARDINAL
fsr-3858	129	3	5	CARDINAL
fsr-3858	129	4	5	CARDINAL
fsr-3858	129	5	age t	DATE
fsr-3858	129	6	5	CARDINAL
fsr-3858	129	7	5	CARDINAL
fsr-3858	129	8	t 5 age	DATE
fsr-3858	131	1	3	CARDINAL
fsr-3858	132	1	yuh	PERSON
fsr-3858	132	2	1998	DATE
fsr-3858	132	3	yuh et al.	PERSON
fsr-3858	132	4	1998	DATE
fsr-3858	133	1	180	CARDINAL
fsr-3858	133	2	y. yuh et al	PERSON
fsr-3858	133	3	7	CARDINAL
fsr-3858	133	4	1998	DATE
fsr-3858	134	1	175–193 3.1	CARDINAL
fsr-3858	139	1	3.2	CARDINAL
fsr-3858	140	1	ibbotson associates,	ORG
fsr-3858	140	2	1995	DATE
fsr-3858	141	1	lognormal	ORG
fsr-3858	141	2	lognormal	FAC
fsr-3858	141	3	shimizu, 1988	ORG
fsr-3858	142	1	lognormal	WORK_OF_ART
fsr-3858	143	1	5	CARDINAL
fsr-3858	143	2	1	CARDINAL
fsr-3858	143	3	1	CARDINAL
fsr-3858	143	4	1	CARDINAL
fsr-3858	144	1	1 ln(1 1	QUANTITY
fsr-3858	144	2	2	CARDINAL
fsr-3858	144	3	5	CARDINAL
fsr-3858	144	4	1	CARDINAL
fsr-3858	144	5	2	DATE
fsr-3858	144	6	the same period	DATE
fsr-3858	144	7	5	CARDINAL
fsr-3858	144	8	1/n 2 1	QUANTITY
fsr-3858	144	9	3	CARDINAL
fsr-3858	144	10	5	CARDINAL
fsr-3858	145	1	5	CARDINAL
fsr-3858	146	1	1 m	QUANTITY
fsr-3858	146	2	2	CARDINAL
fsr-3858	146	3	4	CARDINAL
fsr-3858	146	4	1	CARDINAL
fsr-3858	146	5	1/2	CARDINAL
fsr-3858	146	6	5	CARDINAL
fsr-3858	146	7	181y	PRODUCT
fsr-3858	147	1	yuh et al	PERSON
fsr-3858	147	2	7	CARDINAL
fsr-3858	147	3	1998	DATE
fsr-3858	148	1	175–193	CARDINAL
fsr-3858	148	2	5	CARDINAL
fsr-3858	149	1	1 z(si	CARDINAL
fsr-3858	149	2	1/2	CARDINAL
fsr-3858	149	3	2 1	CARDINAL
fsr-3858	149	4	6	CARDINAL
fsr-3858	149	5	5	CARDINAL
fsr-3858	149	6	5	CARDINAL
fsr-3858	149	7	5	CARDINAL
fsr-3858	149	8	5	CARDINAL
fsr-3858	151	1	50th	ORDINAL
fsr-3858	151	2	5th	ORDINAL
fsr-3858	152	1	50th	ORDINAL
fsr-3858	152	2	5th	ORDINAL
fsr-3858	153	1	ibbotson associates (	ORG
fsr-3858	153	2	1995	DATE
fsr-3858	154	1	1995	DATE
fsr-3858	154	2	january 1, 1926	DATE
fsr-3858	154	3	december 31, 1994	DATE
fsr-3858	154	4	six	CARDINAL
fsr-3858	154	5	treasury	ORG
fsr-3858	155	1	1947 to 1982	DATE
fsr-3858	155	2	ibbotson	ORG
fsr-3858	155	3	siegel	PERSON
fsr-3858	155	4	1984	DATE
fsr-3858	156	1	ibbotson	PERSON
fsr-3858	156	2	annual	DATE
fsr-3858	157	1	three	CARDINAL
fsr-3858	158	1	3.3	CARDINAL
fsr-3858	158	2	modigliani	ORG
fsr-3858	158	3	brumberg	PERSON
fsr-3858	158	4	1954	DATE
fsr-3858	159	1	all years	DATE
fsr-3858	160	1	5	CARDINAL
fsr-3858	160	2	2	CARDINAL
fsr-3858	160	3	1	CARDINAL
fsr-3858	160	4	2d]/rr%	CARDINAL
fsr-3858	160	5	7	CARDINAL
fsr-3858	160	6	5	CARDINAL
fsr-3858	160	7	5	CARDINAL
fsr-3858	160	8	5	CARDINAL
fsr-3858	160	9	182	CARDINAL
fsr-3858	160	10	y. yuh et al	PERSON
fsr-3858	160	11	7	CARDINAL
fsr-3858	160	12	1998	DATE
fsr-3858	161	1	175–193 d 5	CARDINAL
fsr-3858	161	2	years	DATE
fsr-3858	162	1	3.3.1	CARDINAL
fsr-3858	162	2	annual	DATE
fsr-3858	164	1	the united states bureau	GPE
fsr-3858	164	2	u.s.	GPE
fsr-3858	164	3	1996	DATE
fsr-3858	164	4	the united states	GPE
fsr-3858	165	1	four consecutive quarters	DATE
fsr-3858	165	2	between the second quarter of 1993	DATE
fsr-3858	165	3	the fourth quarter of 1994	DATE
fsr-3858	166	1	the four consecutive quarters	DATE
fsr-3858	166	2	annual	DATE
fsr-3858	167	1	1994 dollars	MONEY
fsr-3858	169	1	ci	PERSON
fsr-3858	170	1	5	CARDINAL
fsr-3858	172	1	1%	PERCENT
fsr-3858	172	2	two	CARDINAL
fsr-3858	174	1	annual	DATE
fsr-3858	174	2	the year	DATE
fsr-3858	176	1	3.3.2	CARDINAL
fsr-3858	178	1	2.3%	PERCENT
fsr-3858	180	1	the internal revenue service	ORG
fsr-3858	181	1	1998	DATE
fsr-3858	182	1	183y	ORDINAL
fsr-3858	183	1	yuh et al	PERSON
fsr-3858	183	2	7	CARDINAL
fsr-3858	183	3	1998	DATE
fsr-3858	183	4	175–193	CARDINAL
fsr-3858	183	5	1	CARDINAL
fsr-3858	183	6	100.0 131.7	CARDINAL
fsr-3858	183	7	103.8	CARDINAL
fsr-3858	184	1	9.8 93.7	CARDINAL
fsr-3858	185	1	88.6	CARDINAL
fsr-3858	185	2	29.8	CARDINAL
fsr-3858	185	3	100.3	CARDINAL
fsr-3858	185	4	26.5	CARDINAL
fsr-3858	185	5	126.6	CARDINAL
fsr-3858	185	6	100.2	CARDINAL
fsr-3858	185	7	33.8	CARDINAL
fsr-3858	185	8	114.3	CARDINAL
fsr-3858	185	9	non-hispanic	NORP
fsr-3858	185	10	81.0 136.7	QUANTITY
fsr-3858	185	11	106.1	CARDINAL
fsr-3858	185	12	non-hispanic	NORP
fsr-3858	185	13	10.3	CARDINAL
fsr-3858	185	14	87.4	CARDINAL
fsr-3858	185	15	4.2 100.8 84.8	QUANTITY
fsr-3858	185	16	non-hispanic	NORP
fsr-3858	185	17	119.0	CARDINAL
fsr-3858	185	18	36.7 143.9	CARDINAL
fsr-3858	185	19	110.2	CARDINAL
fsr-3858	185	20	63.3 124.6 100.1	CARDINAL
fsr-3858	185	21	69.8 137.2	QUANTITY
fsr-3858	185	22	107.3	CARDINAL
fsr-3858	185	23	9.7 134.6 98.4	CARDINAL
fsr-3858	185	24	20.5	CARDINAL
fsr-3858	185	25	94.5	CARDINAL
fsr-3858	185	26	32.1 158.1	CARDINAL
fsr-3858	185	27	117.2	CARDINAL
fsr-3858	186	1	25.2 132.6 103.1	CARDINAL
fsr-3858	186	2	8.3	CARDINAL
fsr-3858	186	3	104.7 93.9	CARDINAL
fsr-3858	186	4	12.8	CARDINAL
fsr-3858	186	5	122.8 97.8	CARDINAL
fsr-3858	186	6	20.1	CARDINAL
fsr-3858	186	7	107.2 93.4	QUANTITY
fsr-3858	186	8	1.4 104.0	CARDINAL
fsr-3858	187	1	7.0 193.3	QUANTITY
fsr-3858	187	2	110.2	CARDINAL
fsr-3858	187	3	93.0 127.1 103.4	CARDINAL
fsr-3858	187	4	0	MONEY
fsr-3858	187	5	# $32,000	MONEY
fsr-3858	187	6	24.7 108.5	QUANTITY
fsr-3858	187	7	91.0	CARDINAL
fsr-3858	187	8	32,000	CARDINAL
fsr-3858	187	9	# 45,000	MONEY
fsr-3858	187	10	95.6 45,000	CARDINAL
fsr-3858	187	11	71,000	MONEY
fsr-3858	187	12	106.6	CARDINAL
fsr-3858	188	1	71,000	CARDINAL
fsr-3858	188	2	24.7 173.2 122.5	QUANTITY
fsr-3858	188	3	36.1 146.7	QUANTITY
fsr-3858	188	4	124.7	CARDINAL
fsr-3858	189	1	92.0	CARDINAL
fsr-3858	189	2	16.4 147.3	CARDINAL
fsr-3858	189	3	123.1	CARDINAL
fsr-3858	189	4	62.9 137.1	CARDINAL
fsr-3858	189	5	106.6	CARDINAL
fsr-3858	189	6	20.7 102.9	CARDINAL
fsr-3858	189	7	80.0	CARDINAL
fsr-3858	189	8	age 61 or	DATE
fsr-3858	189	9	34.6 114.1	QUANTITY
fsr-3858	189	10	90.1	CARDINAL
fsr-3858	189	11	55.4	CARDINAL
fsr-3858	189	12	132.3	CARDINAL
fsr-3858	189	13	189.8 141.2	CARDINAL
fsr-3858	190	1	35.1 157.5	CARDINAL
fsr-3858	191	1	120.2	CARDINAL
fsr-3858	191	2	64.9 117.8 95.0	CARDINAL
fsr-3858	192	1	24.7 145.0	CARDINAL
fsr-3858	192	2	111.0	CARDINAL
fsr-3858	193	1	75.3 127.4 101.5	PERCENT
fsr-3858	193	2	184	CARDINAL
fsr-3858	193	3	y. yuh et al	PERSON
fsr-3858	193	4	7	CARDINAL
fsr-3858	193	5	1998	DATE
fsr-3858	194	1	175–193 3.4	CARDINAL
fsr-3858	194	2	1995	DATE
fsr-3858	194	3	kennickell et al.	PERSON
fsr-3858	194	4	1997	DATE
fsr-3858	195	1	the federal reserve	ORG
fsr-3858	196	1	1995	DATE
fsr-3858	196	2	the university of chicago	ORG
fsr-3858	196	3	between july and december 1995	DATE
fsr-3858	197	1	u.s.	GPE
fsr-3858	198	1	4,299	CARDINAL
fsr-3858	198	2	1995	DATE
fsr-3858	199	1	1995	DATE
fsr-3858	199	2	five	CARDINAL
fsr-3858	200	1	five	CARDINAL
fsr-3858	200	2	rubin	GPE
fsr-3858	200	3	1987	DATE
fsr-3858	201	1	age 35 to 70	DATE
fsr-3858	203	1	1998	DATE
fsr-3858	206	1	1,387	CARDINAL
fsr-3858	207	1	0%	PERCENT
fsr-3858	207	2	41.7 98.4	CARDINAL
fsr-3858	209	1	90.7	CARDINAL
fsr-3858	209	2	0%	PERCENT
fsr-3858	209	3	13.5%	PERCENT
fsr-3858	209	4	18.2	CARDINAL
fsr-3858	209	5	117.2	CARDINAL
fsr-3858	209	6	13.5	CARDINAL
fsr-3858	209	7	36.5	CARDINAL
fsr-3858	209	8	20.3 142.9 109.1	QUANTITY
fsr-3858	209	9	36.5%	PERCENT
fsr-3858	209	10	19.9	CARDINAL
fsr-3858	209	11	113.8	CARDINAL
fsr-3858	209	12	spending$	ORG
fsr-3858	210	1	51.1 91.8	QUANTITY
fsr-3858	211	1	74.7	CARDINAL
fsr-3858	211	2	48.9 173.4	CARDINAL
fsr-3858	211	3	134.3	CARDINAL
fsr-3858	212	1	20.7 153.6	CARDINAL
fsr-3858	213	1	114.0	CARDINAL
fsr-3858	213	2	126.0 101.2	CARDINAL
fsr-3858	214	1	17.0	CARDINAL
fsr-3858	215	1	102.4	CARDINAL
fsr-3858	215	2	83.0 129.4 104.1	CARDINAL
fsr-3858	215	3	24.4 128.2	QUANTITY
fsr-3858	215	4	111.1	CARDINAL
fsr-3858	216	1	24	CARDINAL
fsr-3858	216	2	129.7	CARDINAL
fsr-3858	216	3	141.7 106.3	CARDINAL
fsr-3858	217	1	42	CARDINAL
fsr-3858	217	2	126.8 97.9	CARDINAL
fsr-3858	218	1	0.05	MONEY
fsr-3858	218	2	0.001	MONEY
fsr-3858	218	3	1995	DATE
fsr-3858	218	4	n5 6,310	CARDINAL
fsr-3858	218	5	1,262	CARDINAL
fsr-3858	218	6	185y	ORG
fsr-3858	219	1	yuh et al	PERSON
fsr-3858	219	2	7	CARDINAL
fsr-3858	219	3	1998	DATE
fsr-3858	220	1	175–193 3.5	CARDINAL
fsr-3858	222	1	2	CARDINAL
fsr-3858	222	2	8.0712 16.5438	CARDINAL
fsr-3858	222	3	211.5437 17.3004	CARDINAL
fsr-3858	222	4	0.5047	CARDINAL
fsr-3858	222	5	216.9703	CARDINAL
fsr-3858	222	6	non-hispanic	NORP
fsr-3858	222	7	non-hispanic	NORP
fsr-3858	222	8	14.6630	CARDINAL
fsr-3858	222	9	0.5321 hispanic	NORP
fsr-3858	222	10	24.5669	CARDINAL
fsr-3858	222	11	0.8427	CARDINAL
fsr-3858	222	12	non-hispanic	NORP
fsr-3858	222	13	17.8932	CARDINAL
fsr-3858	222	14	6.5972	CARDINAL
fsr-3858	222	15	41.9206	CARDINAL
fsr-3858	222	16	0.0018	CARDINAL
fsr-3858	222	17	13.7288	CARDINAL
fsr-3858	222	18	0.3007	CARDINAL
fsr-3858	222	19	20.8594	CARDINAL
fsr-3858	222	20	0.8639	MONEY
fsr-3858	222	21	18 25.6501	CARDINAL
fsr-3858	223	1	26.5285	CARDINAL
fsr-3858	223	2	0.5547	CARDINAL
fsr-3858	223	3	211.2904	CARDINAL
fsr-3858	223	4	0.5197	CARDINAL
fsr-3858	223	5	229.9816	CARDINAL
fsr-3858	223	6	0.0562	CARDINAL
fsr-3858	223	7	230.9372	CARDINAL
fsr-3858	223	8	13.9746	CARDINAL
fsr-3858	223	9	0.0269	MONEY
fsr-3858	223	10	231.5121	CARDINAL
fsr-3858	223	11	0.3745	MONEY
fsr-3858	223	12	92.9234	CARDINAL
fsr-3858	223	13	35.8350	CARDINAL
fsr-3858	223	14	0.0000	CARDINAL
fsr-3858	223	15	21.4864	CARDINAL
fsr-3858	223	16	252.6381	CARDINAL
fsr-3858	223	17	243.2536	CARDINAL
fsr-3858	223	18	0.0000	CARDINAL
fsr-3858	223	19	61 or earlier	DATE
fsr-3858	223	20	27.8241	CARDINAL
fsr-3858	223	21	66	CARDINAL
fsr-3858	223	22	85.3864	CARDINAL
fsr-3858	224	1	0.0000	CARDINAL
fsr-3858	224	2	2.7374 8.3980 0.7446	MONEY
fsr-3858	224	3	25.0523	CARDINAL
fsr-3858	225	1	0.9181	MONEY
fsr-3858	225	2	20.4789	CARDINAL
fsr-3858	225	3	0.5436	CARDINAL
fsr-3858	225	4	9.4966	ORG
fsr-3858	225	5	282.4638	CARDINAL
fsr-3858	225	6	0.0000	CARDINAL
fsr-3858	225	7	17.0423	CARDINAL
fsr-3858	225	8	8.7914 0.0526	PRODUCT
fsr-3858	225	9	11.1496	CARDINAL
fsr-3858	225	10	10.0444	CARDINAL
fsr-3858	225	11	0.2680	ORG
fsr-3858	225	12	20.2688	CARDINAL
fsr-3858	225	13	5 21.9227	CARDINAL
fsr-3858	225	14	0.4017	CARDINAL
fsr-3858	225	15	implicate5	GPE
fsr-3858	226	1	1,262	CARDINAL
fsr-3858	226	2	0.05	MONEY
fsr-3858	226	3	0.01	MONEY
fsr-3858	226	4	y. yuh et al	PERSON
fsr-3858	226	5	7	CARDINAL
fsr-3858	226	6	1998	DATE
fsr-3858	227	1	175–193	CARDINAL
fsr-3858	227	2	treasury	ORG
fsr-3858	229	1	ibbotson associates,	ORG
fsr-3858	229	2	1995	DATE
fsr-3858	229	3	5.4%	PERCENT
fsr-3858	230	1	1995	DATE
fsr-3858	231	1	about 95%	PERCENT
fsr-3858	231	2	u.s.	GPE
fsr-3858	232	1	at least one	CARDINAL
fsr-3858	233	1	1995	DATE
fsr-3858	236	1	2.3%	PERCENT
fsr-3858	236	2	moore	ORG
fsr-3858	236	3	mitchell	PERSON
fsr-3858	236	4	1997	DATE
fsr-3858	237	1	one	CARDINAL
fsr-3858	239	1	roth	PERSON
fsr-3858	239	2	the next 20 or 30 years	DATE
fsr-3858	240	1	under 10%	PERCENT
fsr-3858	241	1	zero	CARDINAL
fsr-3858	242	1	4	CARDINAL
fsr-3858	242	2	4.1	CARDINAL
fsr-3858	243	1	greater than 1,000	CARDINAL
fsr-3858	243	2	1,262	CARDINAL
fsr-3858	244	1	two	CARDINAL
fsr-3858	245	1	102%	PERCENT
fsr-3858	245	2	87%	PERCENT
fsr-3858	246	1	25%	PERCENT
fsr-3858	246	2	68%	PERCENT
fsr-3858	246	3	25%	PERCENT
fsr-3858	246	4	61%	PERCENT
fsr-3858	247	1	about 52%	PERCENT
fsr-3858	247	2	187y	PRODUCT
fsr-3858	248	1	yuh et al	PERSON
fsr-3858	248	2	7	CARDINAL
fsr-3858	248	3	1998	DATE
fsr-3858	249	1	175–193	CARDINAL
fsr-3858	250	1	only 42%	PERCENT
fsr-3858	251	1	second	ORDINAL
fsr-3858	251	2	1	CARDINAL
fsr-3858	252	1	only 36%	PERCENT
fsr-3858	253	1	about 40%	PERCENT
fsr-3858	253	2	13.5%	PERCENT
fsr-3858	254	1	over half	CARDINAL
fsr-3858	254	2	55%	PERCENT
fsr-3858	254	3	between age 62 and 65	DATE
fsr-3858	254	4	35%	PERCENT
fsr-3858	255	1	about half	CARDINAL
fsr-3858	255	2	51%	PERCENT
fsr-3858	255	3	last year	DATE
fsr-3858	255	4	83%	PERCENT
fsr-3858	256	1	about one	CARDINAL
fsr-3858	256	2	fourth	ORDINAL
fsr-3858	256	3	25%	PERCENT
fsr-3858	256	4	an additional 42 years	DATE
fsr-3858	256	5	24%	PERCENT
fsr-3858	256	6	an additional 24 years	DATE
fsr-3858	257	1	about 21%	PERCENT
fsr-3858	258	1	4.2	CARDINAL
fsr-3858	259	1	third	ORDINAL
fsr-3858	259	2	1	CARDINAL
fsr-3858	259	3	1	CARDINAL
fsr-3858	261	1	0.1%	PERCENT
fsr-3858	262	1	5%	PERCENT
fsr-3858	264	1	94%	PERCENT
fsr-3858	264	2	157%	PERCENT
fsr-3858	265	1	109%	PERCENT
fsr-3858	265	2	annual	DATE
fsr-3858	265	3	32,000	MONEY
fsr-3858	265	4	173%	PERCENT
fsr-3858	265	5	annual	DATE
fsr-3858	265	6	over $71,000	MONEY
fsr-3858	266	1	age 66 or later	DATE
fsr-3858	266	2	190%	PERCENT
fsr-3858	266	3	age 62	DATE
fsr-3858	266	4	114%	PERCENT
fsr-3858	266	5	between age 62 and 65	DATE
fsr-3858	266	6	132%	PERCENT
fsr-3858	267	1	zero	CARDINAL
fsr-3858	267	2	98%	PERCENT
fsr-3858	267	3	167%	PERCENT
fsr-3858	267	4	36.5%	PERCENT
fsr-3858	268	1	173%	PERCENT
fsr-3858	268	2	92%	PERCENT
fsr-3858	269	1	4.3	CARDINAL
fsr-3858	271	1	2	CARDINAL
fsr-3858	271	2	188	CARDINAL
fsr-3858	271	3	y. yuh et al	PERSON
fsr-3858	271	4	7	CARDINAL
fsr-3858	271	5	1998	DATE
fsr-3858	272	1	175–193 3	CARDINAL
fsr-3858	275	1	3	CARDINAL
fsr-3858	275	2	67.7287	CARDINAL
fsr-3858	275	3	6.8667	CARDINAL
fsr-3858	275	4	9.7785 0.7241	CARDINAL
fsr-3858	275	5	25.2969	CARDINAL
fsr-3858	275	6	0.6110	PRODUCT
fsr-3858	275	7	non-hispanic	NORP
fsr-3858	275	8	non-hispanic	NORP
fsr-3858	275	9	26.1461	CARDINAL
fsr-3858	275	10	8.3860 0.4637	MONEY
fsr-3858	275	11	0.3468	GPE
fsr-3858	275	12	0.9793	MONEY
fsr-3858	275	13	non-hispanic	NORP
fsr-3858	275	14	0.0021	CARDINAL
fsr-3858	275	15	1.7044 4.6951 0.7168	MONEY
fsr-3858	275	16	19.3435	CARDINAL
fsr-3858	275	17	3.4093	CARDINAL
fsr-3858	275	18	21.0024	CARDINAL
fsr-3858	275	19	0.7021	MONEY
fsr-3858	275	20	18 16.1367	CARDINAL
fsr-3858	275	21	0.2701	CARDINAL
fsr-3858	275	22	0.6829 6.3033 0.9139	MONEY
fsr-3858	275	23	28.7984	CARDINAL
fsr-3858	275	24	0.3843	MONEY
fsr-3858	275	25	213.6439	CARDINAL
fsr-3858	275	26	0.1275	MONEY
fsr-3858	275	27	215.4189	CARDINAL
fsr-3858	275	28	236.0423	CARDINAL
fsr-3858	275	29	6.3783 0.0017	QUANTITY
fsr-3858	276	1	6.6942	CARDINAL
fsr-3858	276	2	27.2414	CARDINAL
fsr-3858	276	3	240.6923	CARDINAL
fsr-3858	276	4	7.9816 0.0000	QUANTITY
fsr-3858	276	5	228.1107	CARDINAL
fsr-3858	276	6	0.0000	CARDINAL
fsr-3858	276	7	61	CARDINAL
fsr-3858	276	8	62–65	CARDINAL
fsr-3858	276	9	25.0765	CARDINAL
fsr-3858	276	10	66	CARDINAL
fsr-3858	276	11	8.5035 0.0000	QUANTITY
fsr-3858	276	12	2.5834 4.6160 0.5758	MONEY
fsr-3858	276	13	1.8390	CARDINAL
fsr-3858	276	14	59.8913	CARDINAL
fsr-3858	277	1	0.2088	MONEY
fsr-3858	277	2	20.9314	CARDINAL
fsr-3858	277	3	1.5370	CARDINAL
fsr-3858	277	4	2.6086 0.5605	PRODUCT
fsr-3858	277	5	spending$	ORG
fsr-3858	277	6	256.7591	CARDINAL
fsr-3858	277	7	0.0000	CARDINAL
fsr-3858	277	8	12.4335	CARDINAL
fsr-3858	277	9	2.8483 5.7522	CARDINAL
fsr-3858	277	10	5 17.6192	CARDINAL
fsr-3858	277	11	0.3527	CARDINAL
fsr-3858	277	12	implicate5	GPE
fsr-3858	278	1	1,262	CARDINAL
fsr-3858	278	2	0.05	MONEY
fsr-3858	278	3	0.01	MONEY
fsr-3858	279	1	yuh et al	PERSON
fsr-3858	279	2	7	CARDINAL
fsr-3858	279	3	1998	DATE
fsr-3858	280	1	175–193 4.4	CARDINAL
fsr-3858	281	1	5%	PERCENT
fsr-3858	281	2	2	CARDINAL
fsr-3858	282	1	3	CARDINAL
fsr-3858	285	1	10,000	MONEY
fsr-3858	285	2	40,000	MONEY
fsr-3858	285	3	above $40,000	MONEY
fsr-3858	287	1	three	CARDINAL
fsr-3858	287	2	over 5%	PERCENT
fsr-3858	288	1	at least 1 year	DATE
fsr-3858	290	1	three	CARDINAL
fsr-3858	290	2	60%	PERCENT
fsr-3858	292	1	age 66 or later	DATE
fsr-3858	292	2	85	CARDINAL
fsr-3858	292	3	between age 62 and 65	DATE
fsr-3858	292	4	28	CARDINAL
fsr-3858	292	5	age 62	DATE
fsr-3858	293	1	age 66 or later	DATE
fsr-3858	293	2	77	CARDINAL
fsr-3858	293	3	between age 62 and 65	DATE
fsr-3858	293	4	25	CARDINAL
fsr-3858	293	5	age 62	DATE
fsr-3858	295	1	82	CARDINAL
fsr-3858	296	1	57	CARDINAL
fsr-3858	297	1	2	CARDINAL
fsr-3858	297	2	3	CARDINAL
fsr-3858	298	1	190	CARDINAL
fsr-3858	298	2	7	CARDINAL
fsr-3858	298	3	1998	DATE
fsr-3858	299	1	175–193	CARDINAL
fsr-3858	300	1	4	CARDINAL
fsr-3858	301	1	age 62	DATE
fsr-3858	301	2	135%	PERCENT
fsr-3858	301	3	52%	PERCENT
fsr-3858	302	1	a later age	DATE
fsr-3858	303	1	age 62	DATE
fsr-3858	303	2	52%	PERCENT
fsr-3858	303	3	80%	PERCENT
fsr-3858	303	4	between ages 62 and 65	DATE
fsr-3858	303	5	138%	PERCENT
fsr-3858	303	6	age 65	DATE
fsr-3858	304	1	almost half	CARDINAL
fsr-3858	304	2	u.s.	GPE
fsr-3858	304	3	age 35 to 70	DATE
fsr-3858	305	1	58%	PERCENT
fsr-3858	310	1	4	CARDINAL
fsr-3858	310	2	spend$	DATE
fsr-3858	310	3	spend$	DATE
fsr-3858	310	4	62	CARDINAL
fsr-3858	310	5	134.6	CARDINAL
fsr-3858	310	6	50.9 107.7	CARDINAL
fsr-3858	310	7	80.0	CARDINAL
fsr-3858	310	8	66	MONEY
fsr-3858	310	9	220.0	CARDINAL
fsr-3858	310	10	128.3 185.0	CARDINAL
fsr-3858	310	11	2	CARDINAL
fsr-3858	310	12	3	CARDINAL
fsr-3858	312	1	non-hispanic	NORP
fsr-3858	312	2	one	CARDINAL
fsr-3858	312	3	annual	DATE
fsr-3858	312	4	45,000	MONEY
fsr-3858	312	5	14%	PERCENT
fsr-3858	312	6	16 years	DATE
fsr-3858	312	7	34 years	DATE
fsr-3858	313	1	191y	CARDINAL
fsr-3858	314	1	yuh et al	PERSON
fsr-3858	314	2	7	CARDINAL
fsr-3858	314	3	1998	DATE
fsr-3858	314	4	175–193	CARDINAL
fsr-3858	316	1	years	DATE
fsr-3858	318	1	5%	PERCENT
fsr-3858	321	1	the 1980s	DATE
fsr-3858	323	1	first	ORDINAL
fsr-3858	325	1	4	CARDINAL
fsr-3858	326	1	andrews	PERSON
fsr-3858	326	2	e. s.	PERSON
fsr-3858	326	3	1993	DATE
fsr-3858	328	1	r. schmitt & pension research council	ORG
fsr-3858	328	2	the united states	GPE
fsr-3858	330	1	philadelphia	GPE
fsr-3858	330	2	university of pennsylvania	ORG
fsr-3858	331	1	bajtelsmit	PERSON
fsr-3858	331	2	j., & van derhei	ORG
fsr-3858	331	3	j. a. (	PERSON
fsr-3858	331	4	1996	DATE
fsr-3858	333	1	o. s. mitchell	PERSON
fsr-3858	333	2	ed	PERSON
fsr-3858	333	3	the twenty-first century	DATE
fsr-3858	334	1	philadelphia	GPE
fsr-3858	334	2	university of pennsylvania	ORG
fsr-3858	335	1	bernheim	GPE
fsr-3858	335	2	b. d.	PERSON
fsr-3858	335	3	merrill lynch	ORG
fsr-3858	335	4	96	CARDINAL
fsr-3858	336	1	stanford university:	ORG
fsr-3858	336	2	merrill lynch	ORG
fsr-3858	337	1	bernheim	GPE
fsr-3858	337	2	b. d.	PERSON
fsr-3858	337	3	j. & weinberg	ORG
fsr-3858	337	4	1997	DATE
fsr-3858	337	5	september	DATE
fsr-3858	338	1	u.s.	GPE
fsr-3858	339	1	mimeo	PERSON
fsr-3858	339	2	stanford university	ORG
fsr-3858	340	1	s. a.	PERSON
fsr-3858	340	2	r.	PERSON
fsr-3858	340	3	1988	DATE
fsr-3858	342	1	hampton	PERSON
fsr-3858	342	2	34th	ORDINAL
fsr-3858	342	3	annual	DATE
fsr-3858	342	4	the american council	ORG
fsr-3858	343	1	15–8	CARDINAL
fsr-3858	344	1	columbia	GPE
fsr-3858	344	2	mo	GPE
fsr-3858	344	3	american council	ORG
fsr-3858	345	1	s. a. & widdows	ORG
fsr-3858	345	2	r.	PERSON
fsr-3858	345	3	1990	DATE
fsr-3858	346	1	1	CARDINAL
fsr-3858	346	2	71–91	DATE
fsr-3858	347	1	e. l.	PERSON
fsr-3858	347	2	k.	PERSON
fsr-3858	347	3	1988).lognormal	CARDINAL
fsr-3858	348	1	new york	GPE
fsr-3858	348	2	marcel dekker	PERSON
fsr-3858	349	1	duncan	PERSON
fsr-3858	349	2	g. j.	PERSON
fsr-3858	349	3	o. s.	PERSON
fsr-3858	349	4	j. n.	PERSON
fsr-3858	349	5	1984	DATE
fsr-3858	350	1	18(1	CARDINAL
fsr-3858	350	2	22–46	CARDINAL
fsr-3858	350	3	hatcher	PERSON
fsr-3858	350	4	c. b.	PERSON
fsr-3858	350	5	1997	DATE
fsr-3858	351	1	8(1	CARDINAL
fsr-3858	351	2	57–64	CARDINAL
fsr-3858	351	3	ibbotson associates	ORG
fsr-3858	352	1	1995).stocks	CARDINAL
fsr-3858	353	1	chicago	GPE
fsr-3858	353	2	il	ORG
fsr-3858	353	3	ibbotson	PERSON
fsr-3858	354	1	ibbotson	ORG
fsr-3858	354	2	r. g.	PERSON
fsr-3858	354	3	l. b.	PERSON
fsr-3858	354	4	1984	DATE
fsr-3858	355	1	219–242	CARDINAL
fsr-3858	357	1	1998).how	CARDINAL
fsr-3858	359	1	192	CARDINAL
fsr-3858	359	2	y. yuh et al	PERSON
fsr-3858	359	3	7	CARDINAL
fsr-3858	359	4	1998	DATE
fsr-3858	360	1	175–193	CARDINAL
fsr-3858	360	2	a. b.	PERSON
fsr-3858	360	3	starr-mccluer	PERSON
fsr-3858	360	4	a. e. (	PERSON
fsr-3858	360	5	1997	DATE
fsr-3858	361	1	u.s.	GPE
fsr-3858	361	2	1–24	DATE
fsr-3858	362	1	li	PERSON
fsr-3858	362	2	j.	PERSON
fsr-3858	362	3	c. p.,	PERSON
fsr-3858	362	4	l. v. (	PERSON
fsr-3858	362	5	1996	DATE
fsr-3858	363	1	7	CARDINAL
fsr-3858	363	2	39–48	CARDINAL
fsr-3858	364	1	mitchell	PERSON
fsr-3858	364	2	o. s.	PERSON
fsr-3858	364	3	j. f.	PERSON
fsr-3858	364	4	1997).retirement	CARDINAL
fsr-3858	365	1	wharton financial institutions center	ORG
fsr-3858	365	2	97	CARDINAL
fsr-3858	365	3	the wharton school of the university of pennsylvania	ORG
fsr-3858	365	4	philadelphia	GPE
fsr-3858	366	1	modigliani	ORG
fsr-3858	366	2	f., & brumberg	ORG
fsr-3858	366	3	r.	PERSON
fsr-3858	366	4	1954	DATE
fsr-3858	368	1	k. kurihara	PERSON
fsr-3858	369	1	388–446	CARDINAL
fsr-3858	370	1	new brunswick	GPE
fsr-3858	370	2	nj	ORG
fsr-3858	370	3	rutgers university press	ORG
fsr-3858	370	4	montalto	PERSON
fsr-3858	370	5	c. p.,	PERSON
fsr-3858	370	6	1996	DATE
fsr-3858	371	1	1992	DATE
fsr-3858	371	2	7	CARDINAL
fsr-3858	371	3	133–146	CARDINAL
fsr-3858	372	1	moore	ORG
fsr-3858	372	2	j. f., & mitchell	PERSON
fsr-3858	372	3	o. s.	PERSON
fsr-3858	373	1	pension research council	ORG
fsr-3858	373	2	98	CARDINAL
fsr-3858	374	1	the wharton school of the university of pennsylvania	ORG
fsr-3858	374	2	philadelphia	GPE
fsr-3858	375	1	b. a.	PERSON
fsr-3858	375	2	1989	DATE
fsr-3858	376	1	56	CARDINAL
fsr-3858	376	2	b. a.	PERSON
fsr-3858	376	3	1994	DATE
fsr-3858	377	1	quarterly 10(2	DATE
fsr-3858	377	2	59–75	DATE
fsr-3858	378	1	rubin	GPE
fsr-3858	378	2	d. b.	PERSON
fsr-3858	379	1	new york	GPE
fsr-3858	379	2	wiley	PERSON
fsr-3858	380	1	schulz	PERSON
fsr-3858	380	2	j. h.	PERSON
fsr-3858	380	3	1992).the	CARDINAL
fsr-3858	381	1	westport	PERSON
fsr-3858	381	2	auburn house	ORG
fsr-3858	383	1	1995	DATE
fsr-3858	384	1	washington	GPE
fsr-3858	384	2	dc	GPE
fsr-3858	385	1	u.s.	GPE
fsr-3858	386	1	1996).consumer	CARDINAL
fsr-3858	386	2	1994	DATE
fsr-3858	387	1	washington	GPE
fsr-3858	387	2	dc	GPE
fsr-3858	387	3	u.s.	GPE
fsr-3858	388	1	u.s.	GPE
fsr-3858	389	1	1998	DATE
fsr-3858	390	1	the united states	GPE
fsr-3858	390	2	1997.current	CARDINAL
fsr-3858	390	3	194	CARDINAL
fsr-3858	391	1	washington	GPE
fsr-3858	391	2	dc	GPE
fsr-3858	391	3	u.s.	GPE
fsr-3858	392	1	u.s. department of commerce	ORG
fsr-3858	393	1	1998, november 3	DATE
fsr-3858	394	1	september 1998	DATE
fsr-3858	394	2	bea 98-34	ORG
fsr-3858	395	1	washington	GPE
fsr-3858	395	2	dc	GPE
fsr-3858	396	1	u.s.	GPE
fsr-3858	397	1	1996	DATE
fsr-3858	397	2	october 3	DATE
fsr-3858	399	1	washington	GPE
fsr-3858	399	2	dc	GPE
fsr-3858	400	1	yuh	PERSON
fsr-3858	400	2	1998	DATE
fsr-3858	403	1	the ohio state university	ORG
fsr-3858	403	2	columbus	GPE
fsr-3858	404	1	montalto	PERSON
fsr-3858	404	2	c. p.	PERSON
fsr-3858	404	3	& hanna	ORG
fsr-3858	404	4	s.	PERSON
fsr-3858	404	5	1998	DATE
fsr-3858	405	1	americans	NORP
fsr-3858	405	2	9(1	CARDINAL
fsr-3858	405	3	1–12	CARDINAL
fsr-3858	406	1	193y	ORG
fsr-3858	407	1	yuh et al	PERSON
fsr-3858	407	2	7	CARDINAL
fsr-3858	407	3	1998	DATE
fsr-3858	408	1	175–193	CARDINAL