id	sid	eid	entity	type
fsr-3925	1	1	alexander greningera	PERSON
fsr-3925	1	2	vickie l. hamptonb	PERSON
fsr-3925	1	3	karrol a. kitt	PERSON
fsr-3925	2	1	susan jacquetc	PERSON
fsr-3925	2	2	university of texas	ORG
fsr-3925	2	3	austin	GPE
fsr-3925	2	4	austin	GPE
fsr-3925	2	5	tx 78712	ORG
fsr-3925	2	6	usa bfamily financial planning program	ORG
fsr-3925	2	7	41162	DATE
fsr-3925	2	8	texas tech university	ORG
fsr-3925	2	9	lubbock	GPE
fsr-3925	2	10	tx	GPE
fsr-3925	2	11	79409	DATE
fsr-3925	2	12	usa ccalifornia social work	ORG
fsr-3925	2	13	uc berkeley school of social	ORG
fsr-3925	2	14	120	CARDINAL
fsr-3925	2	15	berkeley	GPE
fsr-3925	2	16	94720	DATE
fsr-3925	2	17	22	CARDINAL
fsr-3925	2	18	december 2000	DATE
fsr-3925	2	19	19 february 2001	DATE
fsr-3925	2	20	26	CARDINAL
fsr-3925	2	21	february 2001	DATE
fsr-3925	2	22	188	CARDINAL
fsr-3925	3	1	4%	PERCENT
fsr-3925	3	2	8.5%	PERCENT
fsr-3925	3	3	70–89%	PERCENT
fsr-3925	4	1	nine-tenths	CARDINAL
fsr-3925	4	2	achieved 50–60%	PERCENT
fsr-3925	4	3	age 50 and 85–90%	DATE
fsr-3925	4	4	age 60	DATE
fsr-3925	5	1	60%	PERCENT
fsr-3925	5	2	about 3–5 years	DATE
fsr-3925	8	1	2001	DATE
fsr-3925	8	2	science inc.	ORG
fsr-3925	10	1	jel	ORG
fsr-3925	11	1	806-742-3050	QUANTITY
fsr-3925	11	2	fax:11-806	CARDINAL
fsr-3925	12	1	v.l. hampton	ORG
fsr-3925	12	2	s.a.	ORG
fsr-3925	12	3	k.a. kitt	PERSON
fsr-3925	12	4	s. jacquet	PERSON
fsr-3925	13	1	9	CARDINAL
fsr-3925	14	1	231–245	CARDINAL
fsr-3925	14	2	2001	DATE
fsr-3925	14	3	science inc.	ORG
fsr-3925	20	1	2000a	DATE
fsr-3925	21	1	the past two decades	DATE
fsr-3925	23	1	1999	DATE
fsr-3925	23	2	85%	PERCENT
fsr-3925	25	1	the end of 2000	DATE
fsr-3925	25	2	122	CARDINAL
fsr-3925	25	3	169	CARDINAL
fsr-3925	25	4	the cfp board	ORG
fsr-3925	25	5	2000	DATE
fsr-3925	26	1	november 2001	DATE
fsr-3925	26	2	18%	PERCENT
fsr-3925	30	1	hobbs & damon	ORG
fsr-3925	30	2	, 1996	DATE
fsr-3925	30	3	67	CARDINAL
fsr-3925	30	4	62	CARDINAL
fsr-3925	30	5	the last decade	DATE
fsr-3925	30	6	age 60	DATE
fsr-3925	31	1	2000	DATE
fsr-3925	32	1	gustman	PERSON
fsr-3925	32	2	mitchell	PERSON
fsr-3925	32	3	1995	DATE
fsr-3925	34	1	one	CARDINAL
fsr-3925	35	1	232	CARDINAL
fsr-3925	35	2	9	CARDINAL
fsr-3925	36	1	231–245	CARDINAL
fsr-3925	36	2	annual	DATE
fsr-3925	38	1	50,000	MONEY
fsr-3925	38	2	annually	DATE
fsr-3925	38	3	today	DATE
fsr-3925	38	4	about $15,800	MONEY
fsr-3925	38	5	annually	DATE
fsr-3925	38	6	1	CARDINAL
fsr-3925	38	7	2	CARDINAL
fsr-3925	38	8	30 years	DATE
fsr-3925	38	9	3	CARDINAL
fsr-3925	38	10	20 years	DATE
fsr-3925	38	11	4	CARDINAL
fsr-3925	38	12	9%	PERCENT
fsr-3925	38	13	5) 4%	PERCENT
fsr-3925	39	1	annual	DATE
fsr-3925	39	2	about 50%	PERCENT
fsr-3925	39	3	approximately $7,950	MONEY
fsr-3925	39	4	10%	PERCENT
fsr-3925	39	5	3%	PERCENT
fsr-3925	45	1	2	CARDINAL
fsr-3925	45	2	americans	NORP
fsr-3925	46	1	u.s.	GPE
fsr-3925	46	2	annually	DATE
fsr-3925	46	3	the last ten years	DATE
fsr-3925	47	1	the past few years	DATE
fsr-3925	47	2	2000	DATE
fsr-3925	47	3	u.s.	GPE
fsr-3925	48	1	26%	PERCENT
fsr-3925	48	2	47%	PERCENT
fsr-3925	49	1	less than $50,000	MONEY
fsr-3925	49	2	almost one-fourth	CARDINAL
fsr-3925	49	3	less than $10,000	MONEY
fsr-3925	49	4	only 16%	PERCENT
fsr-3925	49	5	100,000	MONEY
fsr-3925	50	1	approximately 30%	PERCENT
fsr-3925	50	2	2000b	DATE
fsr-3925	52	1	1994	DATE
fsr-3925	52	2	233s.a	CARDINAL
fsr-3925	52	3	9	CARDINAL
fsr-3925	52	4	231–245	CARDINAL
fsr-3925	53	1	mitchell	PERSON
fsr-3925	53	2	moore	PERSON
fsr-3925	53	3	1998	DATE
fsr-3925	53	4	age 55	DATE
fsr-3925	53	5	only $73,000	MONEY
fsr-3925	53	6	20 years	DATE
fsr-3925	54	1	bassett	ORG
fsr-3925	54	2	fleming	ORG
fsr-3925	54	3	rodrigues	PERSON
fsr-3925	54	4	1998	DATE
fsr-3925	54	5	one-third	CARDINAL
fsr-3925	56	1	easterlin	ORDINAL
fsr-3925	56	2	schaeffer	PERSON
fsr-3925	56	3	1993	DATE
fsr-3925	56	4	1993	DATE
fsr-3925	56	5	the american association of retired	ORG
fsr-3925	56	6	1994	DATE
fsr-3925	56	7	1990	DATE
fsr-3925	58	1	england	GPE
fsr-3925	58	2	1988	DATE
fsr-3925	58	3	1994	DATE
fsr-3925	58	4	mcgill	PERSON
fsr-3925	58	5	haley	PERSON
fsr-3925	58	6	1996	DATE
fsr-3925	59	1	55 to 80%	PERCENT
fsr-3925	62	1	saltzman	ORG
fsr-3925	62	2	1999	DATE
fsr-3925	62	3	the retirement years	DATE
fsr-3925	63	1	the early years	DATE
fsr-3925	66	1	2000	DATE
fsr-3925	67	1	1998	DATE
fsr-3925	67	2	uccello	ORG
fsr-3925	67	3	1998	DATE
fsr-3925	69	1	1997	DATE
fsr-3925	69	2	bodie	GPE
fsr-3925	69	3	merton, & samuelson	ORG
fsr-3925	69	4	1992	DATE
fsr-3925	69	5	butler & domian	ORG
fsr-3925	69	6	1991	DATE
fsr-3925	69	7	thaler & williamson, 1994	ORG
fsr-3925	69	8	thorley, 1995	ORG
fsr-3925	70	1	samuelson	ORG
fsr-3925	70	2	1989, 1990,	DATE
fsr-3925	70	3	1994	DATE
fsr-3925	70	4	1994	DATE
fsr-3925	71	1	1998	DATE
fsr-3925	71	2	olsen	PERSON
fsr-3925	71	3	1998	DATE
fsr-3925	71	4	234	CARDINAL
fsr-3925	71	5	9	CARDINAL
fsr-3925	72	1	231–245	CARDINAL
fsr-3925	72	2	1993	DATE
fsr-3925	72	3	hodges	ORG
fsr-3925	72	4	taylor	PERSON
fsr-3925	72	5	yoder (1997	ORG
fsr-3925	76	1	3	CARDINAL
fsr-3925	76	2	1	CARDINAL
fsr-3925	76	3	2	CARDINAL
fsr-3925	76	4	3	CARDINAL
fsr-3925	78	1	the cfp board	ORG
fsr-3925	80	1	1975	DATE
fsr-3925	80	2	3	CARDINAL
fsr-3925	83	1	at least one	CARDINAL
fsr-3925	83	2	5	CARDINAL
fsr-3925	84	1	delphi	ORG
fsr-3925	84	2	the 1950s	DATE
fsr-3925	86	1	three	CARDINAL
fsr-3925	87	1	9	CARDINAL
fsr-3925	88	1	231–245	CARDINAL
fsr-3925	89	1	five	CARDINAL
fsr-3925	89	2	one	CARDINAL
fsr-3925	90	1	the advisory committee	ORG
fsr-3925	91	1	400	CARDINAL
fsr-3925	91	2	340	CARDINAL
fsr-3925	91	3	1994	DATE
fsr-3925	95	1	38%	PERCENT
fsr-3925	95	2	122	CARDINAL
fsr-3925	95	3	159	CARDINAL
fsr-3925	96	1	four	CARDINAL
fsr-3925	96	2	several months	DATE
fsr-3925	97	1	20	CARDINAL
fsr-3925	98	1	two	CARDINAL
fsr-3925	98	2	two	CARDINAL
fsr-3925	99	1	236	CARDINAL
fsr-3925	99	2	9	CARDINAL
fsr-3925	99	3	231–245 two	CARDINAL
fsr-3925	99	4	two	CARDINAL
fsr-3925	100	1	two	CARDINAL
fsr-3925	100	2	three	CARDINAL
fsr-3925	102	1	three	CARDINAL
fsr-3925	102	2	two	CARDINAL
fsr-3925	102	3	5	CARDINAL
fsr-3925	102	4	15	CARDINAL
fsr-3925	102	5	25	CARDINAL
fsr-3925	102	6	35	CARDINAL
fsr-3925	102	7	45	CARDINAL
fsr-3925	102	8	55	CARDINAL
fsr-3925	104	1	chi-square	PERSON
fsr-3925	106	1	two	CARDINAL
fsr-3925	107	1	tabachnick & fidell	ORG
fsr-3925	107	2	1996	DATE
fsr-3925	108	1	two	CARDINAL
fsr-3925	108	2	13	CARDINAL
fsr-3925	108	3	six	CARDINAL
fsr-3925	110	1	5	CARDINAL
fsr-3925	112	1	all five	CARDINAL
fsr-3925	113	1	188	CARDINAL
fsr-3925	113	2	two	CARDINAL
fsr-3925	113	3	three	CARDINAL
fsr-3925	114	1	188	CARDINAL
fsr-3925	114	2	113	CARDINAL
fsr-3925	114	3	60%	PERCENT
fsr-3925	114	4	75 (40%	PERCENT
fsr-3925	115	1	55%	PERCENT
fsr-3925	115	2	45%	PERCENT
fsr-3925	116	1	77%	PERCENT
fsr-3925	116	2	59%	PERCENT
fsr-3925	117	1	5 25.71,p	CARDINAL
fsr-3925	117	2	.000	CARDINAL
fsr-3925	118	1	two	CARDINAL
fsr-3925	119	1	5	CARDINAL
fsr-3925	119	2	5 49.74,p	CARDINAL
fsr-3925	119	3	.000	CARDINAL
fsr-3925	120	1	4	CARDINAL
fsr-3925	120	2	4.1	CARDINAL
fsr-3925	121	1	two	CARDINAL
fsr-3925	122	1	5	CARDINAL
fsr-3925	122	2	15	CARDINAL
fsr-3925	123	1	9	CARDINAL
fsr-3925	124	1	231–245	CARDINAL
fsr-3925	124	2	25	CARDINAL
fsr-3925	124	3	35	CARDINAL
fsr-3925	124	4	45	CARDINAL
fsr-3925	124	5	55	CARDINAL
fsr-3925	126	1	1	CARDINAL
fsr-3925	127	1	three	CARDINAL
fsr-3925	128	1	three	CARDINAL
fsr-3925	128	2	1	CARDINAL
fsr-3925	130	1	13	CARDINAL
fsr-3925	131	1	three	CARDINAL
fsr-3925	131	2	eigen	ORG
fsr-3925	131	3	1.0	CARDINAL
fsr-3925	132	1	2	CARDINAL
fsr-3925	132	2	1	CARDINAL
fsr-3925	132	3	3.9	CARDINAL
fsr-3925	132	4	30%	PERCENT
fsr-3925	134	1	1	CARDINAL
fsr-3925	134	2	4.5	CARDINAL
fsr-3925	134	3	5	CARDINAL
fsr-3925	135	1	.01	PERSON
fsr-3925	136	1	second	ORDINAL
fsr-3925	136	2	1.4	CARDINAL
fsr-3925	136	3	11%	PERCENT
fsr-3925	137	1	2	CARDINAL
fsr-3925	138	1	3.8	CARDINAL
fsr-3925	138	2	.05	ORG
fsr-3925	139	1	third	ORDINAL
fsr-3925	139	2	0.7	CARDINAL
fsr-3925	139	3	only 5%	PERCENT
fsr-3925	139	4	1	CARDINAL
fsr-3925	139	5	three	CARDINAL
fsr-3925	139	6	103	CARDINAL
fsr-3925	139	7	4.7 5	DATE
fsr-3925	139	8	5	CARDINAL
fsr-3925	139	9	88	CARDINAL
fsr-3925	139	10	4.6	CARDINAL
fsr-3925	139	11	5	CARDINAL
fsr-3925	139	12	64	CARDINAL
fsr-3925	139	13	4.4 4 4	QUANTITY
fsr-3925	139	14	46	CARDINAL
fsr-3925	139	15	4.4 5 5	TIME
fsr-3925	139	16	19	CARDINAL
fsr-3925	139	17	41	CARDINAL
fsr-3925	139	18	4	CARDINAL
fsr-3925	139	19	31	CARDINAL
fsr-3925	139	20	17	CARDINAL
fsr-3925	139	21	12	CARDINAL
fsr-3925	139	22	3 3.4 3 3	TIME
fsr-3925	139	23	4	CARDINAL
fsr-3925	139	24	1 2.8	CARDINAL
fsr-3925	139	25	15	CARDINAL
fsr-3925	139	26	25	CARDINAL
fsr-3925	139	27	35	CARDINAL
fsr-3925	139	28	45	CARDINAL
fsr-3925	139	29	55	CARDINAL
fsr-3925	140	1	238	CARDINAL
fsr-3925	140	2	s.a.	ORG
fsr-3925	140	3	9	CARDINAL
fsr-3925	140	4	231–245	CARDINAL
fsr-3925	142	1	3	CARDINAL
fsr-3925	142	2	3.3	CARDINAL
fsr-3925	143	1	.05	ORG
fsr-3925	144	1	4.2	CARDINAL
fsr-3925	145	1	two	CARDINAL
fsr-3925	146	1	5	CARDINAL
fsr-3925	146	2	15	CARDINAL
fsr-3925	146	3	25	CARDINAL
fsr-3925	146	4	3 5	CARDINAL
fsr-3925	146	5	45	CARDINAL
fsr-3925	146	6	55	CARDINAL
fsr-3925	147	1	3	CARDINAL
fsr-3925	148	1	2	CARDINAL
fsr-3925	148	2	1	CARDINAL
fsr-3925	148	3	2	CARDINAL
fsr-3925	148	4	3	CARDINAL
fsr-3925	148	5	.80 .10 .01	MONEY
fsr-3925	148	6	.73 .13 .11	MONEY
fsr-3925	148	7	.69 .34 .10	MONEY
fsr-3925	148	8	.11 .88 .29	MONEY
fsr-3925	148	9	.24 .49 .15	MONEY
fsr-3925	148	10	.46	ORG
fsr-3925	148	11	.01 2.04	MONEY
fsr-3925	148	12	2.05 .23 .62	MONEY
fsr-3925	148	13	.28	DATE
fsr-3925	148	14	.29 .13 .40	ORG
fsr-3925	148	15	3.9 1.4 0.7 %	PERCENT
fsr-3925	148	16	30.0 11.1 5.0	CARDINAL
fsr-3925	148	17	3	CARDINAL
fsr-3925	148	18	4.5	CARDINAL
fsr-3925	148	19	5	CARDINAL
fsr-3925	148	20	4.3	CARDINAL
fsr-3925	148	21	second	ORDINAL
fsr-3925	148	22	3.7	CARDINAL
fsr-3925	148	23	4	CARDINAL
fsr-3925	148	24	3.6 4 4	PERCENT
fsr-3925	148	25	3.3 3 3	CARDINAL
fsr-3925	148	26	3.0	CARDINAL
fsr-3925	148	27	15	CARDINAL
fsr-3925	148	28	25	CARDINAL
fsr-3925	148	29	3 5	CARDINAL
fsr-3925	148	30	45	CARDINAL
fsr-3925	148	31	5 5	CARDINAL
fsr-3925	149	1	9	CARDINAL
fsr-3925	150	1	231–245	CARDINAL
fsr-3925	151	1	two	CARDINAL
fsr-3925	152	1	two	CARDINAL
fsr-3925	153	1	first	ORDINAL
fsr-3925	153	2	1.5	CARDINAL
fsr-3925	153	3	26%	PERCENT
fsr-3925	154	1	second	ORDINAL
fsr-3925	155	1	3.9	CARDINAL
fsr-3925	156	1	only 0.8	CARDINAL
fsr-3925	156	2	13%	PERCENT
fsr-3925	158	1	3.6	CARDINAL
fsr-3925	158	2	.05	ORG
fsr-3925	159	1	4.3	CARDINAL
fsr-3925	159	2	two	CARDINAL
fsr-3925	160	1	two	CARDINAL
fsr-3925	160	2	2–10%	PERCENT
fsr-3925	160	3	4.3%	PERCENT
fsr-3925	161	1	4%	PERCENT
fsr-3925	161	2	35%	PERCENT
fsr-3925	162	1	slightly less than one-fourth	CARDINAL
fsr-3925	162	2	5%	PERCENT
fsr-3925	162	3	14%	PERCENT
fsr-3925	162	4	3%	PERCENT
fsr-3925	163	1	almost seven-tenths	CARDINAL
fsr-3925	164	1	one-fourth	CARDINAL
fsr-3925	164	2	6%	PERCENT
fsr-3925	165	1	three	CARDINAL
fsr-3925	165	2	5	CARDINAL
fsr-3925	165	3	two	CARDINAL
fsr-3925	165	4	1	CARDINAL
fsr-3925	166	1	2	CARDINAL
fsr-3925	166	2	four	CARDINAL
fsr-3925	167	1	two	CARDINAL
fsr-3925	167	2	4.3	CARDINAL
fsr-3925	167	3	3.8	CARDINAL
fsr-3925	168	1	approximately nine-tenths	CARDINAL
fsr-3925	168	2	first	ORDINAL
fsr-3925	168	3	4%	PERCENT
fsr-3925	168	4	6%	PERCENT
fsr-3925	169	1	second	ORDINAL
fsr-3925	169	2	almost three-fourths	CARDINAL
fsr-3925	169	3	12%	PERCENT
fsr-3925	169	4	15%	PERCENT
fsr-3925	170	1	ibbotson associates	ORG
fsr-3925	170	2	2000	DATE
fsr-3925	171	1	1926 to 1999	DATE
fsr-3925	171	2	3%	PERCENT
fsr-3925	171	3	annually	DATE
fsr-3925	171	4	20-year	DATE
fsr-3925	171	5	4%	PERCENT
fsr-3925	171	6	annually	DATE
fsr-3925	172	1	20-year	DATE
fsr-3925	172	2	1960	DATE
fsr-3925	172	3	annual	DATE
fsr-3925	172	4	5–6%	PERCENT
fsr-3925	173	1	two	CARDINAL
fsr-3925	173	2	2 to 12%	PERCENT
fsr-3925	173	3	8%	PERCENT
fsr-3925	175	1	240	CARDINAL
fsr-3925	175	2	9	CARDINAL
fsr-3925	175	3	231–245 three	CARDINAL
fsr-3925	175	4	94%	PERCENT
fsr-3925	175	5	4.5	CARDINAL
fsr-3925	175	6	5	CARDINAL
fsr-3925	176	1	95%	PERCENT
fsr-3925	176	2	4.5	CARDINAL
fsr-3925	177	1	only 2%	PERCENT
fsr-3925	177	2	two	CARDINAL
fsr-3925	178	1	three	CARDINAL
fsr-3925	178	2	annual	DATE
fsr-3925	178	3	8.5%	PERCENT
fsr-3925	179	1	two	CARDINAL
fsr-3925	180	1	three	CARDINAL
fsr-3925	180	2	4.3%	PERCENT
fsr-3925	180	3	10.4%	PERCENT
fsr-3925	180	4	7.1%	PERCENT
fsr-3925	180	5	6.9%	PERCENT
fsr-3925	181	1	.05	ORG
fsr-3925	181	2	two	CARDINAL
fsr-3925	183	1	ibbotson associates	ORG
fsr-3925	183	2	2000	DATE
fsr-3925	183	3	three	CARDINAL
fsr-3925	184	1	between 1926 and 1999	DATE
fsr-3925	184	2	u.s.	GPE
fsr-3925	184	3	treasury	ORG
fsr-3925	184	4	annual	DATE
fsr-3925	184	5	13%	PERCENT
fsr-3925	184	6	6%	PERCENT
fsr-3925	184	7	4%	PERCENT
fsr-3925	185	1	the most recent 20 years	DATE
fsr-3925	185	2	annual	DATE
fsr-3925	185	3	three	CARDINAL
fsr-3925	185	4	18%	PERCENT
fsr-3925	185	5	11%	PERCENT
fsr-3925	185	6	7%	PERCENT
fsr-3925	186	1	4.4	CARDINAL
fsr-3925	186	2	two	CARDINAL
fsr-3925	186	3	one-half	DATE
fsr-3925	186	4	56%	PERCENT
fsr-3925	187	1	74%	PERCENT
fsr-3925	187	2	75%	PERCENT
fsr-3925	188	1	reask	ORG
fsr-3925	188	2	three	CARDINAL
fsr-3925	189	1	81%	PERCENT
fsr-3925	189	2	70 to 89%	PERCENT
fsr-3925	190	1	80–89%	PERCENT
fsr-3925	190	2	expenses—42%	PERCENT
fsr-3925	190	3	39%	PERCENT
fsr-3925	191	1	two	CARDINAL
fsr-3925	191	2	various ages	DATE
fsr-3925	191	3	age 30	DATE
fsr-3925	191	4	18%	PERCENT
fsr-3925	191	5	age 40	DATE
fsr-3925	191	6	37%	PERCENT
fsr-3925	191	7	age 50	DATE
fsr-3925	191	8	59%	PERCENT
fsr-3925	191	9	age 60,	DATE
fsr-3925	191	10	85%	PERCENT
fsr-3925	191	11	age 65	DATE
fsr-3925	191	12	96%	PERCENT
fsr-3925	191	13	age 70	DATE
fsr-3925	191	14	99%	PERCENT
fsr-3925	192	1	.001	CARDINAL
fsr-3925	193	1	age 70	DATE
fsr-3925	193	2	100%	PERCENT
fsr-3925	193	3	96%	PERCENT
fsr-3925	194	1	two	CARDINAL
fsr-3925	194	2	four	CARDINAL
fsr-3925	195	1	three	CARDINAL
fsr-3925	196	1	4	CARDINAL
fsr-3925	197	1	9	CARDINAL
fsr-3925	198	1	231–245	CARDINAL
fsr-3925	199	1	older ages	DATE
fsr-3925	200	1	more than nine-tenths	CARDINAL
fsr-3925	200	2	50 and 60 year old	DATE
fsr-3925	200	3	approximately two-thirds	CARDINAL
fsr-3925	200	4	30-year old	DATE
fsr-3925	201	1	4.5	CARDINAL
fsr-3925	202	1	two	CARDINAL
fsr-3925	203	1	21%	PERCENT
fsr-3925	203	2	one year	DATE
fsr-3925	203	3	5%	PERCENT
fsr-3925	203	4	three years	DATE
fsr-3925	203	5	27%	PERCENT
fsr-3925	203	6	five years	DATE
fsr-3925	203	7	34%	PERCENT
fsr-3925	203	8	seven years	DATE
fsr-3925	203	9	7%	PERCENT
fsr-3925	203	10	ten years	DATE
fsr-3925	203	11	6%	PERCENT
fsr-3925	204	1	about three-to-	CARDINAL
fsr-3925	204	2	five years	DATE
fsr-3925	206	1	.001	CARDINAL
fsr-3925	207	1	two	CARDINAL
fsr-3925	208	1	15 years	DATE
fsr-3925	208	2	69%	PERCENT
fsr-3925	208	3	10 years before	DATE
fsr-3925	208	4	62%	PERCENT
fsr-3925	208	5	5 years before	DATE
fsr-3925	208	6	51%	PERCENT
fsr-3925	208	7	40%	PERCENT
fsr-3925	208	8	5 years	DATE
fsr-3925	208	9	33%	PERCENT
fsr-3925	208	10	10 years after	DATE
fsr-3925	208	11	28%	PERCENT
fsr-3925	208	12	15 years	DATE
fsr-3925	208	13	25%	PERCENT
fsr-3925	209	1	10 years and	DATE
fsr-3925	209	2	15 years	DATE
fsr-3925	211	1	three	CARDINAL
fsr-3925	211	2	4	CARDINAL
fsr-3925	211	3	age 60	DATE
fsr-3925	211	4	85–90%	PERCENT
fsr-3925	211	5	4.4	CARDINAL
fsr-3925	211	6	age 50	DATE
fsr-3925	211	7	achieved 50–60%	PERCENT
fsr-3925	211	8	4.2	CARDINAL
fsr-3925	211	9	7 3 by age 40	DATE
fsr-3925	211	10	30–40%	PERCENT
fsr-3925	211	11	3.9	CARDINAL
fsr-3925	211	12	18 4	DATE
fsr-3925	211	13	age 30	DATE
fsr-3925	211	14	10–20%	PERCENT
fsr-3925	211	15	3.7	CARDINAL
fsr-3925	211	16	17	CARDINAL
fsr-3925	211	17	15	CARDINAL
fsr-3925	211	18	25	CARDINAL
fsr-3925	211	19	35	CARDINAL
fsr-3925	211	20	45	CARDINAL
fsr-3925	211	21	55	CARDINAL
fsr-3925	212	1	242	CARDINAL
fsr-3925	212	2	9	CARDINAL
fsr-3925	213	1	231–245	CARDINAL
fsr-3925	213	2	3.4	CARDINAL
fsr-3925	213	3	5	CARDINAL
fsr-3925	214	1	.05	ORG
fsr-3925	215	1	31%	PERCENT
fsr-3925	215	2	25%	PERCENT
fsr-3925	216	1	.01	PERSON
fsr-3925	216	2	36%	PERCENT
fsr-3925	216	3	26%	PERCENT
fsr-3925	217	1	100	CARDINAL
fsr-3925	218	1	2.7	CARDINAL
fsr-3925	218	2	only 29%	PERCENT
fsr-3925	219	1	almost one-half	CARDINAL
fsr-3925	219	2	45%	PERCENT
fsr-3925	219	3	more than one-fourth	CARDINAL
fsr-3925	219	4	26%	PERCENT
fsr-3925	220	1	.05	ORG
fsr-3925	220	2	5	CARDINAL
fsr-3925	221	1	5	CARDINAL
fsr-3925	223	1	4%	PERCENT
fsr-3925	223	2	8.5%	PERCENT
fsr-3925	223	3	70–89%	PERCENT
fsr-3925	224	1	nine-tenths	DATE
fsr-3925	224	2	achieved 50–60%	PERCENT
fsr-3925	224	3	age 50 and 85–90%	DATE
fsr-3925	224	4	age 60	DATE
fsr-3925	225	1	60%	PERCENT
fsr-3925	225	2	about 3–5 years	DATE
fsr-3925	231	1	50-years olds	DATE
fsr-3925	231	2	50–60%	PERCENT
fsr-3925	234	1	9	CARDINAL
fsr-3925	234	2	231–245	CARDINAL
fsr-3925	235	1	american association of retired	ORG
fsr-3925	236	1	1994).aging	CARDINAL
fsr-3925	237	1	washington	GPE
fsr-3925	237	2	dc	GPE
fsr-3925	237	3	bassett	GPE
fsr-3925	237	4	w. f.	PERSON
fsr-3925	237	5	fleming	ORG
fsr-3925	237	6	m. j., & rodrigues	PERSON
fsr-3925	237	7	a. p.	PERSON
fsr-3925	237	8	1998	DATE
fsr-3925	238	1	decisions.national tax journal	ORG
fsr-3925	238	2	li	PERSON
fsr-3925	238	3	263–289	CARDINAL
fsr-3925	239	1	bierman h., jr.	PERSON
fsr-3925	239	2	1997	DATE
fsr-3925	240	1	23	CARDINAL
fsr-3925	240	2	51–55	CARDINAL
fsr-3925	241	1	jr.	PERSON
fsr-3925	241	2	h.	PERSON
fsr-3925	241	3	1998	DATE
fsr-3925	243	1	bodie	GPE
fsr-3925	243	2	z.	PERSON
fsr-3925	243	3	merton	GPE
fsr-3925	243	4	r. c.	PERSON
fsr-3925	243	5	w. f. (	PERSON
fsr-3925	243	6	1992	DATE
fsr-3925	244	1	16,427–449	CARDINAL
fsr-3925	244	2	butler	ORG
fsr-3925	244	3	k. c., & domian	PERSON
fsr-3925	244	4	d. l.	PERSON
fsr-3925	244	5	1991	DATE
fsr-3925	245	1	17,41–47	DATE
fsr-3925	245	2	financial planning board	ORG
fsr-3925	246	1	1999).1999	ORDINAL
fsr-3925	246	2	cfp board	ORG
fsr-3925	246	3	december 21, 2000	DATE
fsr-3925	247	1	2000	DATE
fsr-3925	248	1	twenty-two	CARDINAL
fsr-3925	248	2	the cfp board	ORG
fsr-3925	248	3	7(6	DATE
fsr-3925	248	4	4	CARDINAL
fsr-3925	249	1	1993	DATE
fsr-3925	250	1	perspective.washington, dc	GPE
fsr-3925	251	1	easterlin	GPE
fsr-3925	251	2	r. a.	PERSON
fsr-3925	251	3	schaeffer	ORG
fsr-3925	251	4	c. m.	PERSON
fsr-3925	251	5	d. j.	PERSON
fsr-3925	251	6	1993	DATE
fsr-3925	253	1	the united states.population and development review	GPE
fsr-3925	253	2	19	CARDINAL
fsr-3925	253	3	497–522	DATE
fsr-3925	255	1	2000a).personal	CARDINAL
fsr-3925	255	2	223	CARDINAL
fsr-3925	256	1	washington	GPE
fsr-3925	256	2	dc	GPE
fsr-3925	257	1	december 20, 2000	DATE
fsr-3925	258	1	2000b).2000	CARDINAL
fsr-3925	259	1	washington	GPE
fsr-3925	259	2	dc	GPE
fsr-3925	260	1	england	GPE
fsr-3925	260	2	c. b.	PERSON
fsr-3925	260	3	1988	DATE
fsr-3925	261	1	quarterly	DATE
fsr-3925	261	2	gustman	PERSON
fsr-3925	261	3	a. l.	PERSON
fsr-3925	261	4	mitchell	PERSON
fsr-3925	261	5	o. s.	PERSON
fsr-3925	261	6	t. l. (	PERSON
fsr-3925	261	7	1995	DATE
fsr-3925	262	1	30(1995	CARDINAL
fsr-3925	263	1	hobbs	PERSON
fsr-3925	263	2	f. b.	PERSON
fsr-3925	263	3	b. l.	PERSON
fsr-3925	263	4	1996	DATE
fsr-3925	264	1	651	CARDINAL
fsr-3925	264	2	the united states	GPE
fsr-3925	265	1	washington	GPE
fsr-3925	265	2	dc	GPE
fsr-3925	266	1	hodges	PERSON
fsr-3925	266	2	c. w.	PERSON
fsr-3925	266	3	taylor	PERSON
fsr-3925	266	4	w. r. l.	PERSON
fsr-3925	266	5	& yoder	ORG
fsr-3925	266	6	j. a. (	PERSON
fsr-3925	266	7	1997	DATE
fsr-3925	267	1	53,74–80	DATE
fsr-3925	268	1	ibbotson associates	ORG
fsr-3925	269	1	2000	DATE
fsr-3925	270	1	annual	DATE
fsr-3925	270	2	2000	CARDINAL
fsr-3925	271	1	chicago	GPE
fsr-3925	272	1	kotlikoff	PERSON
fsr-3925	272	2	l. j., & auerbach	PERSON
fsr-3925	272	3	a. j.	PERSON
fsr-3925	272	4	1994	DATE
fsr-3925	273	1	u.s.	GPE
fsr-3925	274	1	the 21st century	DATE
fsr-3925	277	1	85–119	CARDINAL
fsr-3925	277	2	kritzman	PERSON
fsr-3925	277	3	m. (1994).	ORG
fsr-3925	278	1	50	CARDINAL
fsr-3925	278	2	levy, h., & gunthorpe	ORG
fsr-3925	278	3	1993	DATE
fsr-3925	279	1	19,30–36	CARDINAL
fsr-3925	279	2	linstone, h. a., & turoff	ORG
fsr-3925	279	3	m. (eds.	ORG
fsr-3925	280	1	1975).the	CARDINAL
fsr-3925	280	2	addison-wesley publishing co.	ORG
fsr-3925	280	3	244	CARDINAL
fsr-3925	280	4	s.a.	ORG
fsr-3925	280	5	9	CARDINAL
fsr-3925	280	6	231–245 mcgill	PERSON
fsr-3925	280	7	d. m.	PERSON
fsr-3925	280	8	brown	PERSON
fsr-3925	280	9	k. n.	PERSON
fsr-3925	280	10	haley	GPE
fsr-3925	280	11	j. j., & schieber	PERSON
fsr-3925	280	12	s. j.	PERSON
fsr-3925	280	13	1996).fundamentals	CARDINAL
fsr-3925	281	1	philadelphia	GPE
fsr-3925	281	2	university of pennsylvania	ORG
fsr-3925	282	1	mitchell	PERSON
fsr-3925	282	2	o. s.	PERSON
fsr-3925	282	3	j. f.	PERSON
fsr-3925	282	4	1998	DATE
fsr-3925	283	1	americans	NORP
fsr-3925	284	1	65(3	CARDINAL
fsr-3925	284	2	371–400	CARDINAL
fsr-3925	284	3	montalto	PERSON
fsr-3925	284	4	c. p.	PERSON
fsr-3925	284	5	& hanna	ORG
fsr-3925	284	6	s.	PERSON
fsr-3925	284	7	2000	DATE
fsr-3925	285	1	9(1	CARDINAL
fsr-3925	285	2	1–15	CARDINAL
fsr-3925	287	1	the 21st	DATE
fsr-3925	287	2	ny	GPE
fsr-3925	288	1	olsen	PERSON
fsr-3925	288	2	r. a.	PERSON
fsr-3925	288	3	1998	DATE
fsr-3925	289	1	54	DATE
fsr-3925	289	2	b. a.	PERSON
fsr-3925	289	3	1994	DATE
fsr-3925	290	1	quarterly	DATE
fsr-3925	290	2	10(2	DATE
fsr-3925	291	1	samuelson	PERSON
fsr-3925	291	2	p. a.	PERSON
fsr-3925	291	3	1989	DATE
fsr-3925	292	1	16,4–12	ORG
fsr-3925	292	2	samuelson	ORG
fsr-3925	292	3	p. a.	PERSON
fsr-3925	292	4	1990	DATE
fsr-3925	293	1	16	CARDINAL
fsr-3925	293	2	samuelson	PERSON
fsr-3925	293	3	p. a.	PERSON
fsr-3925	294	1	1994	DATE
fsr-3925	295	1	samwick	GPE
fsr-3925	295	2	a. a.	PERSON
fsr-3925	295	3	1998	DATE
fsr-3925	296	1	207–236	CARDINAL
fsr-3925	297	1	schister	PERSON
fsr-3925	297	2	s. j. (	PERSON
fsr-3925	297	3	1996	DATE
fsr-3925	298	1	quarterly,(second quarter	DATE
fsr-3925	299	1	b. g.	PERSON
fsr-3925	299	2	l. s.	PERSON
fsr-3925	300	1	1996).using	CARDINAL
fsr-3925	301	1	new york	GPE
fsr-3925	301	2	harper collins	PERSON
fsr-3925	302	1	tacchino	NORP
fsr-3925	302	2	k., & saltzman	ORG
fsr-3925	302	3	1999	DATE
fsr-3925	303	1	12(2	DATE
fsr-3925	304	1	thaler	ORG
fsr-3925	304	2	r. h., & williamson	ORG
fsr-3925	304	3	j. p.	PERSON
fsr-3925	304	4	1994	DATE
fsr-3925	305	1	100%	PERCENT
fsr-3925	307	1	thorley	PERSON
fsr-3925	307	2	s. r.	PERSON
fsr-3925	307	3	1995	DATE
fsr-3925	308	1	51,68–76	CARDINAL
fsr-3925	309	1	c. e.	PERSON
fsr-3925	309	2	1998	DATE
fsr-3925	310	1	aarp public policy institute	ORG
fsr-3925	311	1	washington	GPE
fsr-3925	311	2	dc	GPE
fsr-3925	311	3	american association of retired	ORG
fsr-3925	312	1	9	CARDINAL
fsr-3925	313	1	231–245	CARDINAL