id	sid	eid	entity	type
fsr-3870	1	1	2	CARDINAL
fsr-3870	1	2	gordon j. alexandera	PERSON
fsr-3870	1	3	jonathan d. jonesb	PERSON
fsr-3870	1	4	peter j. nigroc	PERSON
fsr-3870	1	5	university of minnesota	ORG
fsr-3870	1	6	minneapolis	GPE
fsr-3870	1	7	55455	DATE
fsr-3870	1	8	usa brisk management division	ORG
fsr-3870	1	9	washington	GPE
fsr-3870	1	10	usa cpolicy	ORG
fsr-3870	1	11	washington	GPE
fsr-3870	1	12	2,000	CARDINAL
fsr-3870	1	13	six	CARDINAL
fsr-3870	5	1	1999	DATE
fsr-3870	5	2	science inc.	ORG
fsr-3870	7	1	1	CARDINAL
fsr-3870	7	2	the past twenty or so years	DATE
fsr-3870	8	1	6%	PERCENT
fsr-3870	8	2	u.s.	GPE
fsr-3870	8	3	1980	DATE
fsr-3870	8	4	42%	PERCENT
fsr-3870	8	5	1998	DATE
fsr-3870	8	6	almost 4,000%	PERCENT
fsr-3870	8	7	$135 billion	MONEY
fsr-3870	8	8	roughly $5.5 trillion	MONEY
fsr-3870	8	9	year-end	DATE
fsr-3870	8	10	1998	DATE
fsr-3870	8	11	1999	DATE
fsr-3870	10	1	202	CARDINAL
fsr-3870	13	1	7	CARDINAL
fsr-3870	13	2	1998	DATE
fsr-3870	14	1	301–316 1057-0810/98/$	DATE
fsr-3870	14	2	1999	DATE
fsr-3870	14	3	science inc.	ORG
fsr-3870	17	1	the securities and exchange commission	ORG
fsr-3870	17	2	sec	ORG
fsr-3870	17	3	2,000	CARDINAL
fsr-3870	17	4	alexander et al.	PERSON
fsr-3870	17	5	1996	DATE
fsr-3870	18	1	two	CARDINAL
fsr-3870	19	1	first	ORDINAL
fsr-3870	21	1	second	ORDINAL
fsr-3870	24	1	section 1	LAW
fsr-3870	25	1	section 2	LAW
fsr-3870	26	1	3	CARDINAL
fsr-3870	27	1	section 4	LAW
fsr-3870	28	1	section 5	LAW
fsr-3870	29	1	2	CARDINAL
fsr-3870	30	1	the american association of retired	ORG
fsr-3870	31	1	1994	DATE
fsr-3870	31	2	american bank	ORG
fsr-3870	32	1	1994	DATE
fsr-3870	33	1	two	CARDINAL
fsr-3870	34	1	1995	DATE
fsr-3870	34	2	1995	DATE
fsr-3870	35	1	second	ORDINAL
fsr-3870	35	2	january 1996	DATE
fsr-3870	36	1	plasencia & cope	ORG
fsr-3870	36	2	1996	DATE
fsr-3870	37	1	fdic	ORG
fsr-3870	37	2	302	CARDINAL
fsr-3870	38	1	alexander et al	PERSON
fsr-3870	38	2	7	CARDINAL
fsr-3870	38	3	1998	DATE
fsr-3870	38	4	301–316	CARDINAL
fsr-3870	38	5	fdic	ORG
fsr-3870	38	6	1996	DATE
fsr-3870	40	1	john hancock	PERSON
fsr-3870	40	2	more than one-third	CARDINAL
fsr-3870	40	3	an additional 12%	PERCENT
fsr-3870	40	4	12%	PERCENT
fsr-3870	41	1	1996	DATE
fsr-3870	41	2	fewer than one-fifth	CARDINAL
fsr-3870	42	1	chen	PERSON
fsr-3870	42	2	volpe	PERSON
fsr-3870	42	3	1998	DATE
fsr-3870	43	1	20	CARDINAL
fsr-3870	43	2	1,467	CARDINAL
fsr-3870	43	3	1996	DATE
fsr-3870	44	1	occ/sec	ORG
fsr-3870	45	1	one	CARDINAL
fsr-3870	47	1	3	CARDINAL
fsr-3870	48	1	six	CARDINAL
fsr-3870	50	1	one	CARDINAL
fsr-3870	51	1	more than 100%	PERCENT
fsr-3870	52	1	1	CARDINAL
fsr-3870	52	2	six	CARDINAL
fsr-3870	53	1	2,000	CARDINAL
fsr-3870	53	2	3,232	CARDINAL
fsr-3870	55	1	1	CARDINAL
fsr-3870	56	1	58.6%	PERCENT
fsr-3870	57	1	69.4%	PERCENT
fsr-3870	57	2	303g.j	CARDINAL
fsr-3870	58	1	alexander et al	PERSON
fsr-3870	58	2	7	CARDINAL
fsr-3870	58	3	1998	DATE
fsr-3870	58	4	301–316	CARDINAL
fsr-3870	58	5	50%	PERCENT
fsr-3870	59	1	43 years	DATE
fsr-3870	60	1	recent years	DATE
fsr-3870	61	1	58,800	MONEY
fsr-3870	61	2	1999	DATE
fsr-3870	63	1	54.6%	PERCENT
fsr-3870	64	1	62.8%	PERCENT
fsr-3870	64	2	68.5%	PERCENT
fsr-3870	64	3	49.3%	PERCENT
fsr-3870	65	1	1	CARDINAL
fsr-3870	65	2	294	CARDINAL
fsr-3870	65	3	2,000	CARDINAL
fsr-3870	65	4	50.0%	PERCENT
fsr-3870	65	5	62.5%	PERCENT
fsr-3870	65	6	62.3%	PERCENT
fsr-3870	65	7	69.4%	PERCENT
fsr-3870	65	8	54.9%	PERCENT
fsr-3870	65	9	57.6%	PERCENT
fsr-3870	65	10	58.6%	PERCENT
fsr-3870	65	11	age 45	DATE
fsr-3870	66	1	47	CARDINAL
fsr-3870	66	2	41	CARDINAL
fsr-3870	66	3	44	CARDINAL
fsr-3870	66	4	44	DATE
fsr-3870	66	5	44 43 median	QUANTITY
fsr-3870	66	6	$55,200 $	MONEY
fsr-3870	66	7	67,600	MONEY
fsr-3870	66	8	62,100	MONEY
fsr-3870	66	9	67,000	MONEY
fsr-3870	66	10	59,200	MONEY
fsr-3870	66	11	58,400	MONEY
fsr-3870	66	12	58,800	MONEY
fsr-3870	67	1	49.3%	PERCENT
fsr-3870	67	2	62.8%	PERCENT
fsr-3870	67	3	57.5%	PERCENT
fsr-3870	67	4	68.5%	PERCENT
fsr-3870	67	5	55.3%	PERCENT
fsr-3870	67	6	52.2%	PERCENT
fsr-3870	67	7	54.6%	PERCENT
fsr-3870	67	8	investor1 85.2%	GPE
fsr-3870	67	9	91.1%	PERCENT
fsr-3870	67	10	85.0%	PERCENT
fsr-3870	67	11	89.7%	PERCENT
fsr-3870	67	12	90.5%	PERCENT
fsr-3870	67	13	83.5%	PERCENT
fsr-3870	67	14	85.2%	PERCENT
fsr-3870	67	15	44.6	CARDINAL
fsr-3870	67	16	72.6	CARDINAL
fsr-3870	67	17	51.8	CARDINAL
fsr-3870	67	18	42.4 50.8	CARDINAL
fsr-3870	67	19	34.4 39.0	CARDINAL
fsr-3870	67	20	30.4	CARDINAL
fsr-3870	67	21	29.4 31.1	CARDINAL
fsr-3870	67	22	47.6	CARDINAL
fsr-3870	67	23	41.7	CARDINAL
fsr-3870	67	24	30.8	CARDINAL
fsr-3870	67	25	34.3	CARDINAL
fsr-3870	67	26	50.7	CARDINAL
fsr-3870	67	27	46.2	CARDINAL
fsr-3870	67	28	36.5	CARDINAL
fsr-3870	67	29	37.3	CARDINAL
fsr-3870	67	30	38.0 38.3	CARDINAL
fsr-3870	67	31	31.0 31.0	QUANTITY
fsr-3870	67	32	25.1	CARDINAL
fsr-3870	67	33	45.5	CARDINAL
fsr-3870	67	34	25.0 26.7	CARDINAL
fsr-3870	67	35	77.6 88.6	CARDINAL
fsr-3870	67	36	81.0	CARDINAL
fsr-3870	67	37	84.6	CARDINAL
fsr-3870	67	38	71.7	CARDINAL
fsr-3870	67	39	80.9 1	CARDINAL
fsr-3870	67	40	1993	DATE
fsr-3870	70	1	five percent	PERCENT
fsr-3870	73	1	304	CARDINAL
fsr-3870	73	2	alexander et al	PERSON
fsr-3870	73	3	7	CARDINAL
fsr-3870	73	4	1998	DATE
fsr-3870	73	5	301–316	CARDINAL
fsr-3870	73	6	1	CARDINAL
fsr-3870	74	1	about 85%	PERCENT
fsr-3870	74	2	1993	DATE
fsr-3870	77	1	roughly 51%	PERCENT
fsr-3870	77	2	31%	PERCENT
fsr-3870	77	3	35%	PERCENT
fsr-3870	77	4	38%	PERCENT
fsr-3870	77	5	mmdas	PERSON
fsr-3870	77	6	27%	PERCENT
fsr-3870	78	1	about 81%	PERCENT
fsr-3870	80	1	mmdas	PERSON
fsr-3870	81	1	mmdas	PERSON
fsr-3870	82	1	2	CARDINAL
fsr-3870	83	1	2	CARDINAL
fsr-3870	83	2	a.	PERSON
fsr-3870	83	3	64.8%	PERCENT
fsr-3870	83	4	82.3%	PERCENT
fsr-3870	83	5	80.1	CARDINAL
fsr-3870	83	6	85.3%	PERCENT
fsr-3870	83	7	58.5%	PERCENT
fsr-3870	83	8	75.9%	PERCENT
fsr-3870	83	9	72.9%	PERCENT
fsr-3870	83	10	40.3 45.6	QUANTITY
fsr-3870	83	11	39.3	CARDINAL
fsr-3870	83	12	39.7	CARDINAL
fsr-3870	83	13	41.0	CARDINAL
fsr-3870	83	14	34.5	CARDINAL
fsr-3870	83	15	44.6	CARDINAL
fsr-3870	83	16	39.4	CARDINAL
fsr-3870	83	17	65.5	CARDINAL
fsr-3870	83	18	32.8 39.2	CARDINAL
fsr-3870	83	19	15.5	CARDINAL
fsr-3870	83	20	19.1 12.4	QUANTITY
fsr-3870	83	21	21.8	CARDINAL
fsr-3870	83	22	28.6	CARDINAL
fsr-3870	83	23	20.7	CARDINAL
fsr-3870	83	24	14.6	CARDINAL
fsr-3870	83	25	2	CARDINAL
fsr-3870	83	26	2	CARDINAL
fsr-3870	83	27	2	CARDINAL
fsr-3870	83	28	2	CARDINAL
fsr-3870	83	29	2	CARDINAL
fsr-3870	83	30	1 1	CARDINAL
fsr-3870	83	31	one 22.9%	PERCENT
fsr-3870	83	32	12.5%	PERCENT
fsr-3870	83	33	18.3%	PERCENT
fsr-3870	83	34	13.4%	PERCENT
fsr-3870	83	35	18.9%	PERCENT
fsr-3870	83	36	32.1%	PERCENT
fsr-3870	83	37	23.3%	PERCENT
fsr-3870	83	38	20.6 15.7	QUANTITY
fsr-3870	83	39	20.3 17.2	CARDINAL
fsr-3870	83	40	22.3 10.7	CARDINAL
fsr-3870	84	1	21.0	CARDINAL
fsr-3870	84	2	17.0 12.5	CARDINAL
fsr-3870	84	3	15.2	CARDINAL
fsr-3870	84	4	36.8 56.9%	PERCENT
fsr-3870	85	1	44.4	CARDINAL
fsr-3870	85	2	57.0	CARDINAL
fsr-3870	85	3	43.6	CARDINAL
fsr-3870	85	4	40.5 39.6	CARDINAL
fsr-3870	85	5	100.0%	PERCENT
fsr-3870	85	6	100.0%	PERCENT
fsr-3870	85	7	100.0%	PERCENT
fsr-3870	85	8	100.0%	PERCENT
fsr-3870	85	9	100.0%	PERCENT
fsr-3870	85	10	100.0%	PERCENT
fsr-3870	85	11	100.0%	PERCENT
fsr-3870	85	12	3 41	CARDINAL
fsr-3870	85	13	3	CARDINAL
fsr-3870	85	14	41	CARDINAL
fsr-3870	85	15	3 3 3	CARDINAL
fsr-3870	85	16	49.8%	PERCENT
fsr-3870	85	17	69.7%	PERCENT
fsr-3870	85	18	68.0%	PERCENT
fsr-3870	85	19	73.9%	PERCENT
fsr-3870	85	20	59.5%	PERCENT
fsr-3870	85	21	59.3%	PERCENT
fsr-3870	85	22	63.8%	PERCENT
fsr-3870	85	23	14.7	CARDINAL
fsr-3870	85	24	11.6 8.1	CARDINAL
fsr-3870	85	25	7.9	CARDINAL
fsr-3870	85	26	9.0 20.4	CARDINAL
fsr-3870	85	27	10.6	CARDINAL
fsr-3870	85	28	25.3	CARDINAL
fsr-3870	85	29	11.6	CARDINAL
fsr-3870	85	30	14.1	CARDINAL
fsr-3870	85	31	9.7	CARDINAL
fsr-3870	85	32	20.1	CARDINAL
fsr-3870	85	33	13.0 16.3	CARDINAL
fsr-3870	85	34	10.2 7.3	QUANTITY
fsr-3870	85	35	9.8	CARDINAL
fsr-3870	86	1	five percent	PERCENT
fsr-3870	87	1	2	CARDINAL
fsr-3870	87	2	four	CARDINAL
fsr-3870	87	3	41	CARDINAL
fsr-3870	88	1	3	CARDINAL
fsr-3870	88	2	1	CARDINAL
fsr-3870	89	1	alexander et al	PERSON
fsr-3870	89	2	7	CARDINAL
fsr-3870	89	3	1998	DATE
fsr-3870	90	1	301–316	CARDINAL
fsr-3870	91	1	over 72%	PERCENT
fsr-3870	91	2	nearly 40%	PERCENT
fsr-3870	91	3	about 36%	PERCENT
fsr-3870	95	1	2	CARDINAL
fsr-3870	95	2	three	CARDINAL
fsr-3870	96	1	55.7%	PERCENT
fsr-3870	96	2	5	CARDINAL
fsr-3870	96	3	39.6%	PERCENT
fsr-3870	96	4	three	CARDINAL
fsr-3870	97	1	more than two-thirds	CARDINAL
fsr-3870	97	2	three	CARDINAL
fsr-3870	97	3	more than half	CARDINAL
fsr-3870	97	4	four	CARDINAL
fsr-3870	99	1	2	CARDINAL
fsr-3870	101	1	about 64%	PERCENT
fsr-3870	104	1	14.7%1 25.3%	PERCENT
fsr-3870	105	1	4	CARDINAL
fsr-3870	107	1	4.1	CARDINAL
fsr-3870	108	1	3	CARDINAL
fsr-3870	108	2	57.7%	PERCENT
fsr-3870	109	1	44.5%	PERCENT
fsr-3870	109	2	42.0%	PERCENT
fsr-3870	109	3	37.6%	PERCENT
fsr-3870	109	4	33.5%	PERCENT
fsr-3870	109	5	306	CARDINAL
fsr-3870	110	1	alexander et al	PERSON
fsr-3870	110	2	7	CARDINAL
fsr-3870	110	3	1998	DATE
fsr-3870	110	4	301–316	CARDINAL
fsr-3870	111	1	31%	PERCENT
fsr-3870	112	1	over 50%	PERCENT
fsr-3870	113	1	two	CARDINAL
fsr-3870	115	1	3	CARDINAL
fsr-3870	117	1	19.4%	PERCENT
fsr-3870	117	2	39.0%	PERCENT
fsr-3870	117	3	39.3%	PERCENT
fsr-3870	118	1	a.	PERSON
fsr-3870	118	2	3	CARDINAL
fsr-3870	118	3	51.2%	PERCENT
fsr-3870	118	4	56.5%	PERCENT
fsr-3870	118	5	60.8%	PERCENT
fsr-3870	118	6	74.0%	PERCENT
fsr-3870	118	7	59.1%	PERCENT
fsr-3870	118	8	49.4%	PERCENT
fsr-3870	118	9	57.7%	PERCENT
fsr-3870	118	10	27.4 61.6	PERSON
fsr-3870	118	11	24.8	CARDINAL
fsr-3870	118	12	29.6	CARDINAL
fsr-3870	118	13	31.7 31.8 31.0	QUANTITY
fsr-3870	118	14	40.4 34.3	CARDINAL
fsr-3870	118	15	33.6	CARDINAL
fsr-3870	118	16	30.5	CARDINAL
fsr-3870	118	17	42.4	CARDINAL
fsr-3870	118	18	36.5 37.6	CARDINAL
fsr-3870	118	19	41.4	CARDINAL
fsr-3870	118	20	41.3 67.9	CARDINAL
fsr-3870	118	21	39.7	CARDINAL
fsr-3870	118	22	34.1 42.0	CARDINAL
fsr-3870	118	23	41.1	CARDINAL
fsr-3870	118	24	6.9	CARDINAL
fsr-3870	118	25	7.0	CARDINAL
fsr-3870	118	26	4.3	CARDINAL
fsr-3870	118	27	10.5	CARDINAL
fsr-3870	118	28	4.7	CARDINAL
fsr-3870	118	29	10.3	CARDINAL
fsr-3870	118	30	0.0	CARDINAL
fsr-3870	118	31	0.6	CARDINAL
fsr-3870	118	32	0.6	CARDINAL
fsr-3870	118	33	0.5	CARDINAL
fsr-3870	118	34	6.0	CARDINAL
fsr-3870	118	35	0.0 1.6	CARDINAL
fsr-3870	118	36	0.0 0.2 0.3 0.7	QUANTITY
fsr-3870	118	37	0.0	CARDINAL
fsr-3870	118	38	0.0 0.3	CARDINAL
fsr-3870	118	39	34.4	CARDINAL
fsr-3870	118	40	23.3	CARDINAL
fsr-3870	118	41	65.0	CARDINAL
fsr-3870	118	42	25.9	CARDINAL
fsr-3870	118	43	35.6	CARDINAL
fsr-3870	118	44	35.3 44.5	CARDINAL
fsr-3870	118	45	23.9	CARDINAL
fsr-3870	118	46	18.3	CARDINAL
fsr-3870	118	47	46.6	CARDINAL
fsr-3870	118	48	17.1	CARDINAL
fsr-3870	118	49	31.1	CARDINAL
fsr-3870	118	50	33.5	CARDINAL
fsr-3870	118	51	4.6 4.8	QUANTITY
fsr-3870	118	52	3.5 5.9	CARDINAL
fsr-3870	118	53	3.5	CARDINAL
fsr-3870	118	54	5.9 3.5	CARDINAL
fsr-3870	118	55	13.9%	PERCENT
fsr-3870	118	56	13.0%	PERCENT
fsr-3870	118	57	16.8%	PERCENT
fsr-3870	118	58	20.5%	PERCENT
fsr-3870	118	59	17.4%	PERCENT
fsr-3870	118	60	13.4%	PERCENT
fsr-3870	118	61	15.2%	PERCENT
fsr-3870	118	62	11.0	CARDINAL
fsr-3870	118	63	39.0	CARDINAL
fsr-3870	118	64	11.7	CARDINAL
fsr-3870	118	65	14.9	CARDINAL
fsr-3870	118	66	20.9	CARDINAL
fsr-3870	118	67	13.3	CARDINAL
fsr-3870	118	68	10.9	CARDINAL
fsr-3870	118	69	12.6	CARDINAL
fsr-3870	118	70	20.4	CARDINAL
fsr-3870	118	71	24.4	CARDINAL
fsr-3870	118	72	16.3	CARDINAL
fsr-3870	118	73	13.6 21.6	CARDINAL
fsr-3870	118	74	16.6	CARDINAL
fsr-3870	118	75	12.6	CARDINAL
fsr-3870	118	76	14.6	CARDINAL
fsr-3870	118	77	17.1	CARDINAL
fsr-3870	118	78	19.4	CARDINAL
fsr-3870	118	79	1.9	CARDINAL
fsr-3870	118	80	0.9	CARDINAL
fsr-3870	118	81	4.4	CARDINAL
fsr-3870	118	82	1.2 4.2	CARDINAL
fsr-3870	118	83	0.0 0.3 0.1	QUANTITY
fsr-3870	118	84	0.0 1.6	QUANTITY
fsr-3870	118	85	0.0 0.4	CARDINAL
fsr-3870	118	86	0.0	CARDINAL
fsr-3870	118	87	0.0	CARDINAL
fsr-3870	118	88	18.7	CARDINAL
fsr-3870	118	89	9.1	CARDINAL
fsr-3870	118	90	39.3	CARDINAL
fsr-3870	118	91	10.9	CARDINAL
fsr-3870	118	92	21.4	CARDINAL
fsr-3870	118	93	23.2	CARDINAL
fsr-3870	118	94	26.7	CARDINAL
fsr-3870	118	95	0.4 0.2 0.7 0.2 0.8 0.0 0.6 other	QUANTITY
fsr-3870	118	96	2.2 1.6	QUANTITY
fsr-3870	118	97	3.3	CARDINAL
fsr-3870	118	98	5.2 1.2 2.6 notes:1	QUANTITY
fsr-3870	119	1	five percent	PERCENT
fsr-3870	120	1	2	CARDINAL
fsr-3870	121	1	3	CARDINAL
fsr-3870	121	2	1	CARDINAL
fsr-3870	121	3	307g.j	CARDINAL
fsr-3870	122	1	alexander et al	PERSON
fsr-3870	122	2	7	CARDINAL
fsr-3870	122	3	1998	DATE
fsr-3870	123	1	301–316	CARDINAL
fsr-3870	123	2	36.7%	PERCENT
fsr-3870	123	3	20.5%	PERCENT
fsr-3870	126	1	26.7%	PERCENT
fsr-3870	126	2	17.1%	PERCENT
fsr-3870	126	3	16.9%	PERCENT
fsr-3870	126	4	16.3%	PERCENT
fsr-3870	126	5	15.2%	PERCENT
fsr-3870	127	1	4.2	CARDINAL
fsr-3870	127	2	4	CARDINAL
fsr-3870	128	1	94.0%	PERCENT
fsr-3870	128	2	71.8%	PERCENT
fsr-3870	128	3	63.9%	PERCENT
fsr-3870	129	1	4	CARDINAL
fsr-3870	129	2	a.	PERSON
fsr-3870	131	1	93.9%	PERCENT
fsr-3870	131	2	96.9%	PERCENT
fsr-3870	131	3	94.6%	PERCENT
fsr-3870	131	4	97.9%	PERCENT
fsr-3870	131	5	92.3%	PERCENT
fsr-3870	131	6	92.4%	PERCENT
fsr-3870	131	7	94.0%	PERCENT
fsr-3870	131	8	1.5 0.5	CARDINAL
fsr-3870	131	9	2.5 2.2	CARDINAL
fsr-3870	131	10	3.4 2.2	CARDINAL
fsr-3870	131	11	3.9 1.6	QUANTITY
fsr-3870	131	12	5.2	CARDINAL
fsr-3870	131	13	5.4 4.1	CARDINAL
fsr-3870	131	14	100.0%	PERCENT
fsr-3870	131	15	100.0%	PERCENT
fsr-3870	131	16	100.0%	PERCENT
fsr-3870	131	17	100.0%	PERCENT
fsr-3870	131	18	100.0%	PERCENT
fsr-3870	131	19	100.0%	PERCENT
fsr-3870	131	20	100.0%	PERCENT
fsr-3870	131	21	72.8%	PERCENT
fsr-3870	131	22	79.5%	PERCENT
fsr-3870	131	23	73.6%	PERCENT
fsr-3870	131	24	85.6%	PERCENT
fsr-3870	131	25	68.7%	PERCENT
fsr-3870	131	26	67.4%	PERCENT
fsr-3870	131	27	71.8%	PERCENT
fsr-3870	131	28	12.1 6.2	CARDINAL
fsr-3870	131	29	13.2	CARDINAL
fsr-3870	131	30	14.0 12.4	CARDINAL
fsr-3870	131	31	14.3	CARDINAL
fsr-3870	131	32	8.3	CARDINAL
fsr-3870	131	33	18.0	CARDINAL
fsr-3870	131	34	100.0%	PERCENT
fsr-3870	131	35	100.0%	PERCENT
fsr-3870	131	36	100.0%	PERCENT
fsr-3870	131	37	100.0%	PERCENT
fsr-3870	131	38	100.0%	PERCENT
fsr-3870	131	39	100.0%	PERCENT
fsr-3870	131	40	100.0%	PERCENT
fsr-3870	132	1	64.0%	PERCENT
fsr-3870	132	2	63.0%	PERCENT
fsr-3870	132	3	64.9%	PERCENT
fsr-3870	132	4	67.5%	PERCENT
fsr-3870	132	5	66.8%	PERCENT
fsr-3870	132	6	64.1%	PERCENT
fsr-3870	132	7	63.9%	PERCENT
fsr-3870	132	8	20.1	CARDINAL
fsr-3870	132	9	20.0	CARDINAL
fsr-3870	132	10	20.5	CARDINAL
fsr-3870	132	11	16.0	CARDINAL
fsr-3870	132	12	14.0	CARDINAL
fsr-3870	132	13	14.9 10.7	CARDINAL
fsr-3870	132	14	13.2	CARDINAL
fsr-3870	132	15	100.0%	PERCENT
fsr-3870	132	16	100.0%	PERCENT
fsr-3870	132	17	100.0%	PERCENT
fsr-3870	132	18	100.0%	PERCENT
fsr-3870	132	19	100.0%	PERCENT
fsr-3870	132	20	100.0%	PERCENT
fsr-3870	132	21	100.0%	PERCENT
fsr-3870	132	22	93.9%	PERCENT
fsr-3870	132	23	96.9%	PERCENT
fsr-3870	132	24	94.6%	PERCENT
fsr-3870	132	25	97.9%	PERCENT
fsr-3870	132	26	92.3%	PERCENT
fsr-3870	132	27	92.4%	PERCENT
fsr-3870	132	28	94.0%	PERCENT
fsr-3870	132	29	72.8 79.5	CARDINAL
fsr-3870	132	30	67.4 71.8	QUANTITY
fsr-3870	132	31	21.1 17.4	CARDINAL
fsr-3870	132	32	12.3	CARDINAL
fsr-3870	132	33	22.2	CARDINAL
fsr-3870	132	34	8.0	CARDINAL
fsr-3870	132	35	10.7	CARDINAL
fsr-3870	132	36	15.8	CARDINAL
fsr-3870	132	37	8.6	CARDINAL
fsr-3870	132	38	11.7	CARDINAL
fsr-3870	132	39	4.7	CARDINAL
fsr-3870	132	40	22.1	CARDINAL
fsr-3870	132	41	72.8%	PERCENT
fsr-3870	132	42	79.5%	PERCENT
fsr-3870	132	43	73.6%	PERCENT
fsr-3870	132	44	85.6%	PERCENT
fsr-3870	132	45	68.7%	PERCENT
fsr-3870	132	46	67.4%	PERCENT
fsr-3870	132	47	71.8%	PERCENT
fsr-3870	132	48	64.0 63.0	CARDINAL
fsr-3870	132	49	64.9	CARDINAL
fsr-3870	132	50	64.1 63.9	CARDINAL
fsr-3870	132	51	8.8 16.5	CARDINAL
fsr-3870	132	52	2.6	CARDINAL
fsr-3870	132	53	7.3	CARDINAL
fsr-3870	132	54	5.1	CARDINAL
fsr-3870	132	55	7.9	CARDINAL
fsr-3870	132	56	0.74	CARDINAL
fsr-3870	132	57	0.55	CARDINAL
fsr-3870	132	58	6.1	CARDINAL
fsr-3870	133	1	dk	PERSON
fsr-3870	134	1	2	CARDINAL
fsr-3870	134	2	five percent	PERCENT
fsr-3870	135	1	3	CARDINAL
fsr-3870	135	2	1	CARDINAL
fsr-3870	135	3	308	CARDINAL
fsr-3870	137	1	alexander et al	PERSON
fsr-3870	137	2	7	CARDINAL
fsr-3870	137	3	1998	DATE
fsr-3870	138	1	301–316	DATE
fsr-3870	138	2	22.2%	PERCENT
fsr-3870	138	3	7.9%	PERCENT
fsr-3870	141	1	three	CARDINAL
fsr-3870	142	1	four	CARDINAL
fsr-3870	143	1	1	CARDINAL
fsr-3870	143	2	2	CARDINAL
fsr-3870	143	3	3	CARDINAL
fsr-3870	145	1	5	CARDINAL
fsr-3870	146	1	first	ORDINAL
fsr-3870	146	2	two	CARDINAL
fsr-3870	148	1	only 18.9%	PERCENT
fsr-3870	149	1	5	CARDINAL
fsr-3870	149	2	a.	PERSON
fsr-3870	149	3	15.3%	PERCENT
fsr-3870	149	4	23.0%	PERCENT
fsr-3870	149	5	19.8%	PERCENT
fsr-3870	149	6	35.0%	PERCENT
fsr-3870	149	7	20.7%	PERCENT
fsr-3870	149	8	17.4%	PERCENT
fsr-3870	149	9	18.9%	PERCENT
fsr-3870	149	10	84.7 77.0	CARDINAL
fsr-3870	149	11	65.0	CARDINAL
fsr-3870	149	12	100.0%	PERCENT
fsr-3870	149	13	100.0%	PERCENT
fsr-3870	149	14	100.0%	PERCENT
fsr-3870	149	15	100.0%	PERCENT
fsr-3870	149	16	100.0%	PERCENT
fsr-3870	149	17	100.0%	PERCENT
fsr-3870	149	18	100.0%	PERCENT
fsr-3870	149	19	46.1%	PERCENT
fsr-3870	149	20	49.5%	PERCENT
fsr-3870	149	21	40.5%	PERCENT
fsr-3870	149	22	59.7%	PERCENT
fsr-3870	149	23	47.8%	PERCENT
fsr-3870	150	1	28.0	CARDINAL
fsr-3870	150	2	43.0%	PERCENT
fsr-3870	150	3	53.9 50.5	CARDINAL
fsr-3870	150	4	59.5	CARDINAL
fsr-3870	150	5	40.3	CARDINAL
fsr-3870	150	6	52.2	CARDINAL
fsr-3870	150	7	71.9	CARDINAL
fsr-3870	150	8	57.1	CARDINAL
fsr-3870	150	9	100.0%	PERCENT
fsr-3870	150	10	100.0%	PERCENT
fsr-3870	150	11	100.0%	PERCENT
fsr-3870	150	12	100.0%	PERCENT
fsr-3870	150	13	100.0%	PERCENT
fsr-3870	150	14	100.0%	PERCENT
fsr-3870	150	15	100.0%	PERCENT
fsr-3870	150	16	23.8%	PERCENT
fsr-3870	150	17	19.3%	PERCENT
fsr-3870	150	18	19.7%	PERCENT
fsr-3870	150	19	16.6%	PERCENT
fsr-3870	150	20	22.9%	PERCENT
fsr-3870	150	21	20.3%	PERCENT
fsr-3870	150	22	19.9%	PERCENT
fsr-3870	150	23	66.5	CARDINAL
fsr-3870	150	24	64.4	CARDINAL
fsr-3870	150	25	64.4	CARDINAL
fsr-3870	150	26	9.7	CARDINAL
fsr-3870	150	27	17.4	CARDINAL
fsr-3870	150	28	20.6	CARDINAL
fsr-3870	150	29	13.5	CARDINAL
fsr-3870	150	30	23.4 15.7	CARDINAL
fsr-3870	150	31	100.0%	PERCENT
fsr-3870	150	32	100.0%	PERCENT
fsr-3870	150	33	100.0%	PERCENT
fsr-3870	150	34	100.0%	PERCENT
fsr-3870	150	35	100.0%	PERCENT
fsr-3870	150	36	100.0%	PERCENT
fsr-3870	150	37	100.0%	PERCENT
fsr-3870	150	38	the previous year	DATE
fsr-3870	150	39	19.5%	PERCENT
fsr-3870	150	40	24.9%	PERCENT
fsr-3870	150	41	25.3%	PERCENT
fsr-3870	150	42	29.8%	PERCENT
fsr-3870	150	43	27.3 23.6%	PERCENT
fsr-3870	150	44	24.1%	PERCENT
fsr-3870	150	45	75.6 68.0	CARDINAL
fsr-3870	150	46	62.2	CARDINAL
fsr-3870	150	47	69.1 69.4	CARDINAL
fsr-3870	150	48	4.9 7.1	CARDINAL
fsr-3870	150	49	5.9 8.0	CARDINAL
fsr-3870	150	50	3.6	CARDINAL
fsr-3870	150	51	6.9 5.3	CARDINAL
fsr-3870	150	52	100.0%	PERCENT
fsr-3870	150	53	100.0%	PERCENT
fsr-3870	150	54	100.0%	PERCENT
fsr-3870	150	55	100.0%	PERCENT
fsr-3870	150	56	100.0%	PERCENT
fsr-3870	150	57	100.0%	PERCENT
fsr-3870	150	58	100.0%	PERCENT
fsr-3870	150	59	five percent	PERCENT
fsr-3870	151	1	1	CARDINAL
fsr-3870	152	1	309g.j	CARDINAL
fsr-3870	153	1	alexander et al	PERSON
fsr-3870	153	2	7	CARDINAL
fsr-3870	153	3	1998	DATE
fsr-3870	154	1	301–316	CARDINAL
fsr-3870	155	1	less than $75,000	MONEY
fsr-3870	158	1	5	CARDINAL
fsr-3870	158	2	only 43.0%	PERCENT
fsr-3870	158	3	first	ORDINAL
fsr-3870	161	1	annual	DATE
fsr-3870	162	1	annual	DATE
fsr-3870	165	1	5	CARDINAL
fsr-3870	166	1	blake et al.	PERSON
fsr-3870	166	2	1993	DATE
fsr-3870	166	3	carhart	ORG
fsr-3870	166	4	1997	DATE
fsr-3870	166	5	elton et al.	PERSON
fsr-3870	166	6	1996	DATE
fsr-3870	167	1	about 20%	PERCENT
fsr-3870	167	2	64%	PERCENT
fsr-3870	168	1	only 16%	PERCENT
fsr-3870	173	1	5	CARDINAL
fsr-3870	174	1	the past ten years	DATE
fsr-3870	175	1	successive years	DATE
fsr-3870	175	2	blake et al	PERSON
fsr-3870	175	3	1993	DATE
fsr-3870	175	4	bogle, 1992, 1994	ORG
fsr-3870	175	5	brown & goetzmann	ORG
fsr-3870	175	6	1995	DATE
fsr-3870	175	7	brown et al.	PERSON
fsr-3870	175	8	1992	DATE
fsr-3870	175	9	carhart	ORG
fsr-3870	175	10	1997	DATE
fsr-3870	175	11	elton et al.	PERSON
fsr-3870	175	12	1996	DATE
fsr-3870	175	13	goetzmann & ibbotson	ORG
fsr-3870	175	14	1994	DATE
fsr-3870	175	15	hendricks et al.	ORG
fsr-3870	175	16	1993	DATE
fsr-3870	175	17	kahn & rudd	ORG
fsr-3870	175	18	1995	DATE
fsr-3870	175	19	malkiel, 1995	ORG
fsr-3870	176	1	approximately 24%	PERCENT
fsr-3870	176	2	last 310	DATE
fsr-3870	176	3	alexander et al	PERSON
fsr-3870	176	4	7	CARDINAL
fsr-3870	176	5	1998	DATE
fsr-3870	177	1	301–316 year	DATE
fsr-3870	177	2	this year	DATE
fsr-3870	177	3	71%	PERCENT
fsr-3870	177	4	5%	PERCENT
fsr-3870	178	1	successive years	DATE
fsr-3870	179	1	3	CARDINAL
fsr-3870	179	2	36.7%	PERCENT
fsr-3870	182	1	u.s.	GPE
fsr-3870	182	2	treasury	ORG
fsr-3870	184	1	treasury	ORG
fsr-3870	185	1	treasury	ORG
fsr-3870	187	1	5	CARDINAL
fsr-3870	189	1	first	ORDINAL
fsr-3870	191	1	second	ORDINAL
fsr-3870	197	1	alexander et al	PERSON
fsr-3870	198	1	1997	DATE
fsr-3870	200	1	alexander et al	PERSON
fsr-3870	200	2	7	CARDINAL
fsr-3870	200	3	1998	DATE
fsr-3870	200	4	301–316 5.1	CARDINAL
fsr-3870	202	1	nine	CARDINAL
fsr-3870	204	1	1	CARDINAL
fsr-3870	204	2	2	CARDINAL
fsr-3870	204	3	3	CARDINAL
fsr-3870	204	4	4	CARDINAL
fsr-3870	204	5	thousands	CARDINAL
fsr-3870	204	6	5	CARDINAL
fsr-3870	204	7	6	CARDINAL
fsr-3870	204	8	7	CARDINAL
fsr-3870	204	9	9	CARDINAL
fsr-3870	205	1	six	CARDINAL
fsr-3870	205	2	nine	CARDINAL
fsr-3870	206	1	first	ORDINAL
fsr-3870	206	2	five	CARDINAL
fsr-3870	207	1	5.2	CARDINAL
fsr-3870	208	1	6	CARDINAL
fsr-3870	210	1	6	CARDINAL
fsr-3870	210	2	4.77	CARDINAL
fsr-3870	210	3	22.10	CARDINAL
fsr-3870	210	4	5.48 4.81 0.67 6.21	QUANTITY
fsr-3870	210	5	6.26	CARDINAL
fsr-3870	210	6	1.76 17.44	CARDINAL
fsr-3870	210	7	5.14	CARDINAL
fsr-3870	210	8	0.25 2.39	CARDINAL
fsr-3870	210	9	4.82	CARDINAL
fsr-3870	210	10	20.29 22.38	CARDINAL
fsr-3870	210	11	4.92	CARDINAL
fsr-3870	210	12	5.03	CARDINAL
fsr-3870	210	13	five percent	PERCENT
fsr-3870	213	1	1	CARDINAL
fsr-3870	213	2	312	CARDINAL
fsr-3870	214	1	alexander et al	PERSON
fsr-3870	214	2	7	CARDINAL
fsr-3870	214	3	1998	DATE
fsr-3870	215	1	301–316	DATE
fsr-3870	215	2	five	CARDINAL
fsr-3870	215	3	nine	CARDINAL
fsr-3870	220	1	first	ORDINAL
fsr-3870	220	2	5.70	CARDINAL
fsr-3870	220	3	4.44	CARDINAL
fsr-3870	220	4	5.78	CARDINAL
fsr-3870	220	5	4.21	CARDINAL
fsr-3870	222	1	second	ORDINAL
fsr-3870	225	1	5.3	CARDINAL
fsr-3870	231	1	7	CARDINAL
fsr-3870	233	1	one	CARDINAL
fsr-3870	233	2	zero	CARDINAL
fsr-3870	233	3	bottom half	CARDINAL
fsr-3870	238	1	1	CARDINAL
fsr-3870	238	2	0	CARDINAL
fsr-3870	238	3	older than 43 years of age	DATE
fsr-3870	238	4	three	CARDINAL
fsr-3870	238	5	313g.j	CARDINAL
fsr-3870	239	1	alexander et al	PERSON
fsr-3870	239	2	7	CARDINAL
fsr-3870	239	3	1998	DATE
fsr-3870	239	4	301–316	CARDINAL
fsr-3870	239	5	greater than $75,000	MONEY
fsr-3870	239	6	1993	DATE
fsr-3870	242	1	1	CARDINAL
fsr-3870	242	2	0	CARDINAL
fsr-3870	243	1	1,554	CARDINAL
fsr-3870	243	2	446	CARDINAL
fsr-3870	243	3	one	CARDINAL
fsr-3870	244	1	five	CARDINAL
fsr-3870	244	2	three	CARDINAL
fsr-3870	244	3	greater than $75,000	MONEY
fsr-3870	247	1	7	CARDINAL
fsr-3870	247	2	0.8320 6.75	CARDINAL
fsr-3870	247	3	5.54	MONEY
fsr-3870	247	4	1.1758 5.00	CARDINAL
fsr-3870	247	5	0.1618 1.34	CARDINAL
fsr-3870	247	6	0.2530 2.08	CARDINAL
fsr-3870	247	7	0.5370 4.20	MONEY
fsr-3870	247	8	0.3609 1.54	MONEY
fsr-3870	247	9	0.9376	CARDINAL
fsr-3870	247	10	3.82	MONEY
fsr-3870	247	11	0.5981 2.45	MONEY
fsr-3870	247	12	0.0707 0.29	CARDINAL
fsr-3870	247	13	20.3925	CARDINAL
fsr-3870	247	14	21.03	CARDINAL
fsr-3870	247	15	20.4336	CARDINAL
fsr-3870	247	16	21.85	CARDINAL
fsr-3870	247	17	20.3051	CARDINAL
fsr-3870	247	18	21.20	CARDINAL
fsr-3870	247	19	302.5	CARDINAL
fsr-3870	247	20	0.701	CARDINAL
fsr-3870	247	21	1554	CARDINAL
fsr-3870	247	22	1	CARDINAL
fsr-3870	247	23	half	CARDINAL
fsr-3870	247	24	0	CARDINAL
fsr-3870	248	1	1	CARDINAL
fsr-3870	248	2	0	CARDINAL
fsr-3870	248	3	older than 43 years of age	DATE
fsr-3870	248	4	three	CARDINAL
fsr-3870	248	5	greater than $75,000	MONEY
fsr-3870	248	6	1993	DATE
fsr-3870	250	1	1	CARDINAL
fsr-3870	250	2	0	CARDINAL
fsr-3870	251	1	314	CARDINAL
fsr-3870	251	2	alexander et al	PERSON
fsr-3870	251	3	7	CARDINAL
fsr-3870	251	4	1998	DATE
fsr-3870	251	5	301–316	DATE
fsr-3870	251	6	70%	PERCENT
fsr-3870	252	1	6	CARDINAL
fsr-3870	252	2	american	NORP
fsr-3870	254	1	several years	DATE
fsr-3870	256	1	over 40%	PERCENT
fsr-3870	257	1	fifth	ORDINAL
fsr-3870	258	1	two	CARDINAL
fsr-3870	258	2	sec	ORG
fsr-3870	259	1	first	ORDINAL
fsr-3870	259	2	english	LANGUAGE
fsr-3870	260	1	second	ORDINAL
fsr-3870	261	1	sec	ORG
fsr-3870	261	2	www.sec.gov/rules/final/33-7513.htm	GPE
fsr-3870	268	1	alexander	PERSON
fsr-3870	268	2	g. j.	PERSON
fsr-3870	268	3	jones	PERSON
fsr-3870	268	4	j. d., & nigro	PERSON
fsr-3870	268	5	j. (1996	ORG
fsr-3870	269	1	sec	ORG
fsr-3870	270	1	washington	GPE
fsr-3870	270	2	dc	GPE
fsr-3870	270	3	the u. s. securities and exchange commission	ORG
fsr-3870	272	1	alexander et al	PERSON
fsr-3870	272	2	7	CARDINAL
fsr-3870	272	3	1998	DATE
fsr-3870	273	1	301–316	CARDINAL
fsr-3870	273	2	g. j.	PERSON
fsr-3870	273	3	jones	PERSON
fsr-3870	273	4	j. d., & nigro	PERSON
fsr-3870	273	5	j. (1997	ORG
fsr-3870	275	1	18(special	CARDINAL
fsr-3870	275	2	nov.–dec.	ORG
fsr-3870	275	3	719–729	CARDINAL
fsr-3870	276	1	american association of retired	ORG
fsr-3870	276	2	north american	NORP
fsr-3870	276	3	association, inc.	ORG
fsr-3870	276	4	1994	DATE
fsr-3870	276	5	january	DATE
fsr-3870	277	1	donot	NORP
fsr-3870	278	1	blake	PERSON
fsr-3870	278	2	c. r.	PERSON
fsr-3870	278	3	elton	GPE
fsr-3870	278	4	e. j., & gruber	PERSON
fsr-3870	278	5	m. j.	PERSON
fsr-3870	278	6	1993	DATE
fsr-3870	279	1	66(july	DATE
fsr-3870	279	2	371–403	CARDINAL
fsr-3870	280	1	bogle	ORG
fsr-3870	280	2	j. c.	PERSON
fsr-3870	280	3	1992	DATE
fsr-3870	281	1	94–100	CARDINAL
fsr-3870	282	1	bogle	PERSON
fsr-3870	282	2	j. c.	PERSON
fsr-3870	282	3	1994).bogle	CARDINAL
fsr-3870	283	1	burr ridge	PERSON
fsr-3870	283	2	il: irwin	PERSON
fsr-3870	283	3	brown	PERSON
fsr-3870	283	4	s. j., & goetzmann	PERSON
fsr-3870	283	5	w. n. (	PERSON
fsr-3870	283	6	1995	DATE
fsr-3870	284	1	50(june	CARDINAL
fsr-3870	284	2	679–698	CARDINAL
fsr-3870	285	1	brown	PERSON
fsr-3870	285	2	s. j.	PERSON
fsr-3870	285	3	w. n.	PERSON
fsr-3870	285	4	ibbotson	PERSON
fsr-3870	285	5	r. g.	PERSON
fsr-3870	285	6	s.	PERSON
fsr-3870	285	7	1992	DATE
fsr-3870	287	1	5	CARDINAL
fsr-3870	287	2	553–580	CARDINAL
fsr-3870	288	1	carhart	ORG
fsr-3870	288	2	m. m. (	PERSON
fsr-3870	288	3	1997	DATE
fsr-3870	289	1	52(march	CARDINAL
fsr-3870	289	2	57–82	CARDINAL
fsr-3870	290	1	chen, h., & volpe	ORG
fsr-3870	290	2	r.	PERSON
fsr-3870	290	3	1998	DATE
fsr-3870	291	1	7(2	CARDINAL
fsr-3870	291	2	107–28	DATE
fsr-3870	293	1	1994	DATE
fsr-3870	294	1	crenshaw	PERSON
fsr-3870	294	2	a. b.	PERSON
fsr-3870	294	3	1996	DATE
fsr-3870	294	4	may 19	DATE
fsr-3870	295	1	washington	GPE
fsr-3870	297	1	elton	PERSON
fsr-3870	297	2	e. j.	PERSON
fsr-3870	297	3	m. j., & blake	PERSON
fsr-3870	297	4	c. r.	PERSON
fsr-3870	297	5	1996	DATE
fsr-3870	299	1	journal of business 69(april	ORG
fsr-3870	299	2	133–157	DATE
fsr-3870	300	1	w., & ibbotson	ORG
fsr-3870	300	2	r. g.	PERSON
fsr-3870	300	3	1994	DATE
fsr-3870	301	1	9–18	CARDINAL
fsr-3870	301	2	hendricks	ORG
fsr-3870	301	3	d.	NORP
fsr-3870	301	4	patel	PERSON
fsr-3870	301	5	j., & zeckhauser	ORG
fsr-3870	301	6	r.	PERSON
fsr-3870	301	7	1993	DATE
fsr-3870	302	1	1974–1988.journal	CARDINAL
fsr-3870	302	2	93–130	ORG
fsr-3870	303	1	1999	DATE
fsr-3870	304	1	1999	DATE
fsr-3870	306	1	kahn	PERSON
fsr-3870	306	2	r. n.	PERSON
fsr-3870	306	3	1995	DATE
fsr-3870	307	1	51(nov.–dec	CARDINAL
fsr-3870	308	1	kimmelman	PERSON
fsr-3870	308	2	j. (1995,	ORG
fsr-3870	308	3	june 9	DATE
fsr-3870	309	1	10	CARDINAL
fsr-3870	310	1	1995	DATE
fsr-3870	311	1	1971	DATE
fsr-3870	311	2	1991.journal	CARDINAL
fsr-3870	311	3	50(june	CARDINAL
fsr-3870	311	4	549–572	CARDINAL
fsr-3870	313	1	1996	DATE
fsr-3870	313	2	may 5).survey	DATE
fsr-3870	313	3	fdic	ORG
fsr-3870	314	1	plasencia	ORG
fsr-3870	314	2	w., & cope	ORG
fsr-3870	314	3	1996	DATE
fsr-3870	314	4	january 19	DATE
fsr-3870	315	1	back.american	NORP
fsr-3870	316	1	schultz	PERSON
fsr-3870	316	2	1995	DATE
fsr-3870	316	3	december 22	DATE
fsr-3870	319	1	c1	PERSON
fsr-3870	319	2	c25	ORG
fsr-3870	320	1	w. l. (	PERSON
fsr-3870	320	2	1996	DATE
fsr-3870	322	1	98–100	CARDINAL
fsr-3870	323	1	316	CARDINAL
fsr-3870	323	2	alexander et al	PERSON
fsr-3870	323	3	7	CARDINAL
fsr-3870	323	4	1998	DATE
fsr-3870	323	5	301–316	CARDINAL