id	sid	tid	token	lemma	pos
fsr-3161	1	1	the	the	DET
fsr-3161	1	2	effects	effect	NOUN
fsr-3161	1	3	of	of	ADP
fsr-3161	1	4	health	health	NOUN
fsr-3161	1	5	,	,	PUNCT
fsr-3161	1	6	family	family	NOUN
fsr-3161	1	7	,	,	PUNCT
fsr-3161	1	8	and	and	CCONJ
fsr-3161	1	9	altruism	altruism	NOUN
fsr-3161	1	10	on	on	ADP
fsr-3161	1	11	retirement	retirement	NOUN
fsr-3161	1	12	savings	saving	NOUN
fsr-3161	1	13	brian	brian	PROPN
fsr-3161	1	14	t.	t.	PROPN
fsr-3161	1	15	starra	starra	PROPN
fsr-3161	1	16	,	,	PUNCT
fsr-3161	1	17	*	*	PUNCT
fsr-3161	1	18	adepartment	adepartment	NOUN
fsr-3161	1	19	of	of	ADP
fsr-3161	1	20	economics	economic	NOUN
fsr-3161	1	21	,	,	PUNCT
fsr-3161	1	22	lubbock	lubbock	PROPN
fsr-3161	1	23	christian	christian	PROPN
fsr-3161	1	24	university	university	PROPN
fsr-3161	1	25	,	,	PUNCT
fsr-3161	1	26	5601	5601	NUM
fsr-3161	1	27	19th	19th	ADJ
fsr-3161	1	28	street	street	NOUN
fsr-3161	1	29	,	,	PUNCT
fsr-3161	1	30	lubbock	lubbock	PROPN
fsr-3161	1	31	,	,	PUNCT
fsr-3161	1	32	tx	tx	PROPN
fsr-3161	1	33	79407	79407	NUM
fsr-3161	1	34	,	,	PUNCT
fsr-3161	1	35	usa	usa	PROPN
fsr-3161	1	36	abstract	abstract	PROPN
fsr-3161	1	37	using	use	VERB
fsr-3161	1	38	data	datum	NOUN
fsr-3161	1	39	from	from	ADP
fsr-3161	1	40	the	the	DET
fsr-3161	1	41	panel	panel	NOUN
fsr-3161	1	42	study	study	NOUN
fsr-3161	1	43	of	of	ADP
fsr-3161	1	44	income	income	NOUN
fsr-3161	1	45	dynamics	dynamic	NOUN
fsr-3161	1	46	,	,	PUNCT
fsr-3161	1	47	this	this	DET
fsr-3161	1	48	paper	paper	NOUN
fsr-3161	1	49	broadens	broaden	VERB
fsr-3161	1	50	the	the	DET
fsr-3161	1	51	analysis	analysis	NOUN
fsr-3161	1	52	of	of	ADP
fsr-3161	1	53	retirement	retirement	NOUN
fsr-3161	1	54	savings	saving	NOUN
fsr-3161	1	55	by	by	ADP
fsr-3161	1	56	examining	examine	VERB
fsr-3161	1	57	the	the	DET
fsr-3161	1	58	effects	effect	NOUN
fsr-3161	1	59	of	of	ADP
fsr-3161	1	60	health	health	NOUN
fsr-3161	1	61	,	,	PUNCT
fsr-3161	1	62	children	child	NOUN
fsr-3161	1	63	,	,	PUNCT
fsr-3161	1	64	altruism	altruism	NOUN
fsr-3161	1	65	,	,	PUNCT
fsr-3161	1	66	and	and	CCONJ
fsr-3161	1	67	family	family	NOUN
fsr-3161	1	68	of	of	ADP
fsr-3161	1	69	origin	origin	NOUN
fsr-3161	1	70	attributes	attribute	VERB
fsr-3161	1	71	on	on	ADP
fsr-3161	1	72	the	the	DET
fsr-3161	1	73	decision	decision	NOUN
fsr-3161	1	74	of	of	ADP
fsr-3161	1	75	whether	whether	SCONJ
fsr-3161	1	76	to	to	PART
fsr-3161	1	77	save	save	VERB
fsr-3161	1	78	for	for	ADP
fsr-3161	1	79	retirement	retirement	NOUN
fsr-3161	1	80	and	and	CCONJ
fsr-3161	1	81	on	on	ADP
fsr-3161	1	82	how	how	SCONJ
fsr-3161	1	83	much	much	ADJ
fsr-3161	1	84	retirement	retirement	NOUN
fsr-3161	1	85	savings	saving	NOUN
fsr-3161	1	86	are	be	AUX
fsr-3161	1	87	accumulated	accumulate	VERB
fsr-3161	1	88	.	.	PUNCT
fsr-3161	2	1	the	the	DET
fsr-3161	2	2	presence	presence	NOUN
fsr-3161	2	3	of	of	ADP
fsr-3161	2	4	children	child	NOUN
fsr-3161	2	5	in	in	ADP
fsr-3161	2	6	the	the	DET
fsr-3161	2	7	household	household	NOUN
fsr-3161	2	8	generally	generally	ADV
fsr-3161	2	9	reduces	reduce	VERB
fsr-3161	2	10	the	the	DET
fsr-3161	2	11	probability	probability	NOUN
fsr-3161	2	12	of	of	ADP
fsr-3161	2	13	saving	save	VERB
fsr-3161	2	14	for	for	ADP
fsr-3161	2	15	retirement	retirement	NOUN
fsr-3161	2	16	.	.	PUNCT
fsr-3161	3	1	poor	poor	ADJ
fsr-3161	3	2	personal	personal	ADJ
fsr-3161	3	3	or	or	CCONJ
fsr-3161	3	4	parental	parental	ADJ
fsr-3161	3	5	health	health	NOUN
fsr-3161	3	6	diminishes	diminish	VERB
fsr-3161	3	7	retirement	retirement	NOUN
fsr-3161	3	8	savings	saving	NOUN
fsr-3161	3	9	outcomes	outcome	NOUN
fsr-3161	3	10	.	.	PUNCT
fsr-3161	4	1	altruistic	altruistic	ADJ
fsr-3161	4	2	behavior	behavior	NOUN
fsr-3161	4	3	generally	generally	ADV
fsr-3161	4	4	presents	present	VERB
fsr-3161	4	5	as	as	ADP
fsr-3161	4	6	complementary	complementary	ADJ
fsr-3161	4	7	to	to	ADP
fsr-3161	4	8	retirement	retirement	NOUN
fsr-3161	4	9	savings	saving	NOUN
fsr-3161	4	10	,	,	PUNCT
fsr-3161	4	11	and	and	CCONJ
fsr-3161	4	12	the	the	DET
fsr-3161	4	13	evidence	evidence	NOUN
fsr-3161	4	14	suggests	suggest	VERB
fsr-3161	4	15	children	child	NOUN
fsr-3161	4	16	of	of	ADP
fsr-3161	4	17	mothers	mother	NOUN
fsr-3161	4	18	who	who	PRON
fsr-3161	4	19	saved	save	VERB
fsr-3161	4	20	for	for	ADP
fsr-3161	4	21	retirement	retirement	NOUN
fsr-3161	4	22	are	be	AUX
fsr-3161	4	23	more	more	ADV
fsr-3161	4	24	likely	likely	ADJ
fsr-3161	4	25	to	to	PART
fsr-3161	4	26	do	do	VERB
fsr-3161	4	27	the	the	DET
fsr-3161	4	28	same	same	ADJ
fsr-3161	4	29	.	.	PUNCT
fsr-3161	5	1	©	©	PROPN
fsr-3161	5	2	2022	2022	NUM
fsr-3161	5	3	academy	academy	NOUN
fsr-3161	5	4	of	of	ADP
fsr-3161	5	5	financial	financial	ADJ
fsr-3161	5	6	services	service	NOUN
fsr-3161	5	7	.	.	PUNCT
fsr-3161	6	1	all	all	DET
fsr-3161	6	2	rights	right	NOUN
fsr-3161	6	3	reserved	reserve	VERB
fsr-3161	6	4	.	.	PUNCT
fsr-3161	7	1	jel	jel	PROPN
fsr-3161	7	2	classifications	classification	NOUN
fsr-3161	7	3	:	:	PUNCT
fsr-3161	7	4	c72	c72	NOUN
fsr-3161	7	5	;	;	PUNCT
fsr-3161	7	6	g51	g51	ADJ
fsr-3161	7	7	;	;	PUNCT
fsr-3161	7	8	g53	g53	PROPN
fsr-3161	7	9	keywords	keyword	NOUN
fsr-3161	7	10	:	:	PUNCT
fsr-3161	7	11	retirement	retirement	NOUN
fsr-3161	7	12	savings	saving	NOUN
fsr-3161	7	13	;	;	PUNCT
fsr-3161	7	14	family	family	NOUN
fsr-3161	7	15	of	of	ADP
fsr-3161	7	16	origin	origin	NOUN
fsr-3161	7	17	;	;	PUNCT
fsr-3161	7	18	health	health	NOUN
fsr-3161	7	19	;	;	PUNCT
fsr-3161	7	20	philanthropy	philanthropy	NOUN
fsr-3161	7	21	1	1	NUM
fsr-3161	7	22	.	.	PUNCT
fsr-3161	8	1	introduction	introduction	NOUN
fsr-3161	8	2	standard	standard	ADJ
fsr-3161	8	3	economic	economic	ADJ
fsr-3161	8	4	theory	theory	NOUN
fsr-3161	8	5	promulgates	promulgate	VERB
fsr-3161	8	6	a	a	DET
fsr-3161	8	7	(	(	PUNCT
fsr-3161	8	8	typically	typically	ADV
fsr-3161	8	9	)	)	PUNCT
fsr-3161	8	10	representative	representative	ADJ
fsr-3161	8	11	agent	agent	NOUN
fsr-3161	8	12	who	who	PRON
fsr-3161	8	13	emerges	emerge	VERB
fsr-3161	8	14	into	into	ADP
fsr-3161	8	15	life	life	NOUN
fsr-3161	8	16	,	,	PUNCT
fsr-3161	8	17	introspectively	introspectively	ADV
fsr-3161	8	18	surveys	survey	VERB
fsr-3161	8	19	his	his	PRON
fsr-3161	8	20	or	or	CCONJ
fsr-3161	8	21	her	her	PRON
fsr-3161	8	22	preferences	preference	NOUN
fsr-3161	8	23	and	and	CCONJ
fsr-3161	8	24	tolerances	tolerance	NOUN
fsr-3161	8	25	,	,	PUNCT
fsr-3161	8	26	estimates	estimate	VERB
fsr-3161	8	27	life	life	NOUN
fsr-3161	8	28	expectancy	expectancy	NOUN
fsr-3161	8	29	and	and	CCONJ
fsr-3161	8	30	lifetime	lifetime	NOUN
fsr-3161	8	31	income	income	NOUN
fsr-3161	8	32	patterns	pattern	NOUN
fsr-3161	8	33	,	,	PUNCT
fsr-3161	8	34	forecasts	forecast	VERB
fsr-3161	8	35	a	a	DET
fsr-3161	8	36	real	real	ADJ
fsr-3161	8	37	rate	rate	NOUN
fsr-3161	8	38	of	of	ADP
fsr-3161	8	39	return	return	NOUN
fsr-3161	8	40	on	on	ADP
fsr-3161	8	41	savings	saving	NOUN
fsr-3161	8	42	,	,	PUNCT
fsr-3161	8	43	sets	set	VERB
fsr-3161	8	44	up	up	ADP
fsr-3161	8	45	a	a	DET
fsr-3161	8	46	hamiltonian	hamiltonian	NOUN
fsr-3161	8	47	to	to	PART
fsr-3161	8	48	solve	solve	VERB
fsr-3161	8	49	for	for	ADP
fsr-3161	8	50	the	the	DET
fsr-3161	8	51	optimal	optimal	ADJ
fsr-3161	8	52	time	time	NOUN
fsr-3161	8	53	path	path	NOUN
fsr-3161	8	54	of	of	ADP
fsr-3161	8	55	consumption	consumption	NOUN
fsr-3161	8	56	and	and	CCONJ
fsr-3161	8	57	then	then	ADV
fsr-3161	8	58	saves	save	VERB
fsr-3161	8	59	and	and	CCONJ
fsr-3161	8	60	spends	spend	VERB
fsr-3161	8	61	accordingly	accordingly	ADV
fsr-3161	8	62	.	.	PUNCT
fsr-3161	9	1	of	of	ADP
fsr-3161	9	2	course	course	ADV
fsr-3161	9	3	,	,	PUNCT
fsr-3161	9	4	these	these	DET
fsr-3161	9	5	assumptions	assumption	NOUN
fsr-3161	9	6	are	be	AUX
fsr-3161	9	7	necessary	necessary	ADJ
fsr-3161	9	8	to	to	PART
fsr-3161	9	9	reduce	reduce	VERB
fsr-3161	9	10	enormously	enormously	ADV
fsr-3161	9	11	complex	complex	ADJ
fsr-3161	9	12	decisions	decision	NOUN
fsr-3161	9	13	into	into	ADP
fsr-3161	9	14	mathematically	mathematically	ADV
fsr-3161	9	15	tractable	tractable	ADJ
fsr-3161	9	16	problems	problem	NOUN
fsr-3161	9	17	so	so	SCONJ
fsr-3161	9	18	that	that	SCONJ
fsr-3161	9	19	economic	economic	ADJ
fsr-3161	9	20	life	life	NOUN
fsr-3161	9	21	can	can	AUX
fsr-3161	9	22	be	be	AUX
fsr-3161	9	23	modeled	model	VERB
fsr-3161	9	24	and	and	CCONJ
fsr-3161	9	25	studied	study	VERB
fsr-3161	9	26	.	.	PUNCT
fsr-3161	10	1	but	but	CCONJ
fsr-3161	10	2	no	no	DET
fsr-3161	10	3	economist	economist	NOUN
fsr-3161	10	4	believes	believe	VERB
fsr-3161	10	5	that	that	SCONJ
fsr-3161	10	6	a	a	DET
fsr-3161	10	7	person	person	NOUN
fsr-3161	10	8	enters	enter	VERB
fsr-3161	10	9	the	the	DET
fsr-3161	10	10	world	world	NOUN
fsr-3161	10	11	prepared	prepare	VERB
fsr-3161	10	12	to	to	PART
fsr-3161	10	13	optimally	optimally	ADV
fsr-3161	10	14	*	*	VERB
fsr-3161	10	15	corresponding	correspond	VERB
fsr-3161	10	16	author	author	NOUN
fsr-3161	10	17	:	:	PUNCT
fsr-3161	11	1	tel	tel	PROPN
fsr-3161	11	2	.	.	PUNCT
fsr-3161	11	3	:	:	PUNCT
fsr-3161	12	1	+1	+1	PROPN
fsr-3161	12	2	-	-	PUNCT
fsr-3161	12	3	405	405	NUM
fsr-3161	12	4	-	-	PUNCT
fsr-3161	12	5	425	425	NUM
fsr-3161	12	6	-	-	NUM
fsr-3161	12	7	5000	5000	NUM
fsr-3161	12	8	,	,	PUNCT
fsr-3161	12	9	fax	fax	NOUN
fsr-3161	12	10	:	:	PUNCT
fsr-3161	12	11	+1	+1	PROPN
fsr-3161	12	12	-	-	PUNCT
fsr-3161	12	13	405	405	NUM
fsr-3161	12	14	-	-	PUNCT
fsr-3161	12	15	425	425	NUM
fsr-3161	12	16	-	-	NUM
fsr-3161	12	17	5090	5090	NUM
fsr-3161	12	18	.	.	PUNCT
fsr-3161	13	1	e	e	X
fsr-3161	13	2	-	-	NOUN
fsr-3161	13	3	mail	mail	NOUN
fsr-3161	13	4	address	address	NOUN
fsr-3161	13	5	:	:	PUNCT
fsr-3161	13	6	brian.starr@oc.edu	brian.starr@oc.edu	NOUN
fsr-3161	13	7	1057	1057	NUM
fsr-3161	13	8	-	-	SYM
fsr-3161	13	9	0810/22/$	0810/22/$	NUM
fsr-3161	13	10	–	–	PUNCT
fsr-3161	13	11	see	see	VERB
fsr-3161	13	12	front	front	ADJ
fsr-3161	13	13	matter	matter	NOUN
fsr-3161	13	14	©	©	PROPN
fsr-3161	13	15	2022	2022	NUM
fsr-3161	13	16	academy	academy	NOUN
fsr-3161	13	17	of	of	ADP
fsr-3161	13	18	financial	financial	ADJ
fsr-3161	13	19	services	service	NOUN
fsr-3161	13	20	.	.	PUNCT
fsr-3161	14	1	all	all	DET
fsr-3161	14	2	rights	right	NOUN
fsr-3161	14	3	reserved	reserve	VERB
fsr-3161	14	4	.	.	PUNCT
fsr-3161	15	1	financial	financial	ADJ
fsr-3161	15	2	services	service	NOUN
fsr-3161	15	3	review	review	VERB
fsr-3161	15	4	30	30	NUM
fsr-3161	15	5	(	(	PUNCT
fsr-3161	15	6	2022	2022	NUM
fsr-3161	15	7	)	)	PUNCT
fsr-3161	15	8	251–271	251–271	NUM
fsr-3161	15	9	make	make	VERB
fsr-3161	15	10	these	these	DET
fsr-3161	15	11	decisions	decision	NOUN
fsr-3161	15	12	.	.	PUNCT
fsr-3161	16	1	rather	rather	ADV
fsr-3161	16	2	,	,	PUNCT
fsr-3161	16	3	consumption	consumption	NOUN
fsr-3161	16	4	smoothing	smoothing	NOUN
fsr-3161	16	5	is	be	AUX
fsr-3161	16	6	a	a	DET
fsr-3161	16	7	learned	learn	VERB
fsr-3161	16	8	behavior	behavior	NOUN
fsr-3161	16	9	,	,	PUNCT
fsr-3161	16	10	formed	form	VERB
fsr-3161	16	11	and	and	CCONJ
fsr-3161	16	12	shaped	shape	VERB
fsr-3161	16	13	by	by	ADP
fsr-3161	16	14	the	the	DET
fsr-3161	16	15	people	people	NOUN
fsr-3161	16	16	and	and	CCONJ
fsr-3161	16	17	circumstances	circumstance	NOUN
fsr-3161	16	18	surrounding	surround	VERB
fsr-3161	16	19	us	we	PRON
fsr-3161	16	20	.	.	PUNCT
fsr-3161	17	1	given	give	VERB
fsr-3161	17	2	the	the	DET
fsr-3161	17	3	observed	observe	VERB
fsr-3161	17	4	lack	lack	NOUN
fsr-3161	17	5	of	of	ADP
fsr-3161	17	6	savings	saving	NOUN
fsr-3161	17	7	altogether	altogether	ADV
fsr-3161	17	8	by	by	ADP
fsr-3161	17	9	some	some	DET
fsr-3161	17	10	agents	agent	NOUN
fsr-3161	17	11	,	,	PUNCT
fsr-3161	17	12	one	one	PRON
fsr-3161	17	13	must	must	AUX
fsr-3161	17	14	wonder	wonder	VERB
fsr-3161	17	15	if	if	SCONJ
fsr-3161	17	16	some	some	DET
fsr-3161	17	17	people	people	NOUN
fsr-3161	17	18	ever	ever	ADV
fsr-3161	17	19	learn	learn	VERB
fsr-3161	17	20	this	this	DET
fsr-3161	17	21	behavior	behavior	NOUN
fsr-3161	17	22	at	at	ADV
fsr-3161	17	23	all	all	ADV
fsr-3161	17	24	.	.	PUNCT
fsr-3161	18	1	this	this	DET
fsr-3161	18	2	paper	paper	NOUN
fsr-3161	18	3	seeks	seek	VERB
fsr-3161	18	4	to	to	PART
fsr-3161	18	5	examine	examine	VERB
fsr-3161	18	6	some	some	PRON
fsr-3161	18	7	of	of	ADP
fsr-3161	18	8	those	those	DET
fsr-3161	18	9	forces	force	NOUN
fsr-3161	18	10	that	that	PRON
fsr-3161	18	11	shape	shape	VERB
fsr-3161	18	12	our	our	PRON
fsr-3161	18	13	retirement	retirement	NOUN
fsr-3161	18	14	savings	saving	NOUN
fsr-3161	18	15	behavior	behavior	NOUN
fsr-3161	18	16	.	.	PUNCT
fsr-3161	19	1	specifically	specifically	ADV
fsr-3161	19	2	,	,	PUNCT
fsr-3161	19	3	we	we	PRON
fsr-3161	19	4	will	will	AUX
fsr-3161	19	5	examine	examine	VERB
fsr-3161	19	6	the	the	DET
fsr-3161	19	7	effects	effect	NOUN
fsr-3161	19	8	that	that	PRON
fsr-3161	19	9	health	health	NOUN
fsr-3161	19	10	,	,	PUNCT
fsr-3161	19	11	progeny	progeny	NOUN
fsr-3161	19	12	,	,	PUNCT
fsr-3161	19	13	altruism	altruism	NOUN
fsr-3161	19	14	,	,	PUNCT
fsr-3161	19	15	and	and	CCONJ
fsr-3161	19	16	learning	learn	VERB
fsr-3161	19	17	from	from	ADP
fsr-3161	19	18	one	one	NUM
fsr-3161	19	19	’s	’s	PART
fsr-3161	19	20	family	family	NOUN
fsr-3161	19	21	of	of	ADP
fsr-3161	19	22	origin	origin	NOUN
fsr-3161	19	23	might	might	AUX
fsr-3161	19	24	have	have	VERB
fsr-3161	19	25	on	on	ADP
fsr-3161	19	26	retirement	retirement	NOUN
fsr-3161	19	27	savings	saving	NOUN
fsr-3161	19	28	decisions	decision	NOUN
fsr-3161	19	29	.	.	PUNCT
fsr-3161	20	1	data	datum	NOUN
fsr-3161	20	2	for	for	ADP
fsr-3161	20	3	our	our	PRON
fsr-3161	20	4	consideration	consideration	NOUN
fsr-3161	20	5	will	will	AUX
fsr-3161	20	6	be	be	AUX
fsr-3161	20	7	taken	take	VERB
fsr-3161	20	8	from	from	ADP
fsr-3161	20	9	the	the	DET
fsr-3161	20	10	panel	panel	NOUN
fsr-3161	20	11	study	study	NOUN
fsr-3161	20	12	of	of	ADP
fsr-3161	20	13	income	income	NOUN
fsr-3161	20	14	dynamics	dynamic	NOUN
fsr-3161	20	15	(	(	PUNCT
fsr-3161	20	16	psid	psid	ADJ
fsr-3161	20	17	)	)	PUNCT
fsr-3161	20	18	.	.	PUNCT
fsr-3161	21	1	while	while	SCONJ
fsr-3161	21	2	this	this	DET
fsr-3161	21	3	data	datum	NOUN
fsr-3161	21	4	set	set	VERB
fsr-3161	21	5	is	be	AUX
fsr-3161	21	6	not	not	PART
fsr-3161	21	7	as	as	ADV
fsr-3161	21	8	specific	specific	ADJ
fsr-3161	21	9	to	to	ADP
fsr-3161	21	10	retirement	retirement	NOUN
fsr-3161	21	11	savings	saving	NOUN
fsr-3161	21	12	as	as	ADP
fsr-3161	21	13	another	another	DET
fsr-3161	21	14	survey	survey	NOUN
fsr-3161	21	15	,	,	PUNCT
fsr-3161	21	16	it	it	PRON
fsr-3161	21	17	allows	allow	VERB
fsr-3161	21	18	us	we	PRON
fsr-3161	21	19	to	to	PART
fsr-3161	21	20	observe	observe	VERB
fsr-3161	21	21	in	in	ADP
fsr-3161	21	22	a	a	DET
fsr-3161	21	23	broader	broad	ADJ
fsr-3161	21	24	sphere	sphere	NOUN
fsr-3161	21	25	of	of	ADP
fsr-3161	21	26	circumspection	circumspection	NOUN
fsr-3161	21	27	the	the	DET
fsr-3161	21	28	variables	variable	NOUN
fsr-3161	21	29	surrounding	surround	VERB
fsr-3161	21	30	the	the	DET
fsr-3161	21	31	retirement	retirement	NOUN
fsr-3161	21	32	decision	decision	NOUN
fsr-3161	21	33	and	and	CCONJ
fsr-3161	21	34	has	have	AUX
fsr-3161	21	35	been	be	AUX
fsr-3161	21	36	used	use	VERB
fsr-3161	21	37	at	at	ADP
fsr-3161	21	38	times	time	NOUN
fsr-3161	21	39	to	to	PART
fsr-3161	21	40	study	study	VERB
fsr-3161	21	41	the	the	DET
fsr-3161	21	42	economics	economic	NOUN
fsr-3161	21	43	of	of	ADP
fsr-3161	21	44	retirement	retirement	NOUN
fsr-3161	21	45	.	.	PUNCT
fsr-3161	22	1	see	see	VERB
fsr-3161	22	2	,	,	PUNCT
fsr-3161	22	3	for	for	ADP
fsr-3161	22	4	example	example	NOUN
fsr-3161	22	5	,	,	PUNCT
fsr-3161	22	6	bernheim	bernheim	PROPN
fsr-3161	22	7	et	et	PROPN
fsr-3161	22	8	al	al	PROPN
fsr-3161	22	9	.	.	PROPN
fsr-3161	23	1	(	(	PUNCT
fsr-3161	23	2	2001	2001	NUM
fsr-3161	23	3	)	)	PUNCT
fsr-3161	23	4	.	.	PUNCT
fsr-3161	24	1	2	2	X
fsr-3161	24	2	.	.	X
fsr-3161	24	3	literature	literature	NOUN
fsr-3161	24	4	review	review	VERB
fsr-3161	24	5	a	a	DET
fsr-3161	24	6	rich	rich	ADJ
fsr-3161	24	7	body	body	NOUN
fsr-3161	24	8	of	of	ADP
fsr-3161	24	9	literature	literature	NOUN
fsr-3161	24	10	covers	cover	VERB
fsr-3161	24	11	a	a	DET
fsr-3161	24	12	broad	broad	ADJ
fsr-3161	24	13	range	range	NOUN
fsr-3161	24	14	of	of	ADP
fsr-3161	24	15	retirement	retirement	NOUN
fsr-3161	24	16	savings	saving	NOUN
fsr-3161	24	17	topics	topic	NOUN
fsr-3161	24	18	,	,	PUNCT
fsr-3161	24	19	several	several	ADJ
fsr-3161	24	20	relevant	relevant	ADJ
fsr-3161	24	21	to	to	ADP
fsr-3161	24	22	our	our	PRON
fsr-3161	24	23	tasks	task	NOUN
fsr-3161	24	24	.	.	PUNCT
fsr-3161	25	1	we	we	PRON
fsr-3161	25	2	start	start	VERB
fsr-3161	25	3	by	by	ADP
fsr-3161	25	4	recalling	recall	VERB
fsr-3161	25	5	that	that	SCONJ
fsr-3161	25	6	the	the	DET
fsr-3161	25	7	maturation	maturation	NOUN
fsr-3161	25	8	of	of	ADP
fsr-3161	25	9	the	the	DET
fsr-3161	25	10	defined	define	VERB
fsr-3161	25	11	contribution	contribution	NOUN
fsr-3161	25	12	plan	plan	NOUN
fsr-3161	25	13	has	have	AUX
fsr-3161	25	14	significantly	significantly	ADV
fsr-3161	25	15	altered	alter	VERB
fsr-3161	25	16	the	the	DET
fsr-3161	25	17	savings	saving	NOUN
fsr-3161	25	18	landscape	landscape	NOUN
fsr-3161	25	19	.	.	PUNCT
fsr-3161	26	1	while	while	SCONJ
fsr-3161	26	2	our	our	PRON
fsr-3161	26	3	standard	standard	ADJ
fsr-3161	26	4	consumption	consumption	NOUN
fsr-3161	26	5	smoothing	smoothing	NOUN
fsr-3161	26	6	models	model	NOUN
fsr-3161	26	7	do	do	AUX
fsr-3161	26	8	not	not	PART
fsr-3161	26	9	differentiate	differentiate	VERB
fsr-3161	26	10	savings	saving	NOUN
fsr-3161	26	11	accumulated	accumulate	VERB
fsr-3161	26	12	in	in	ADP
fsr-3161	26	13	a	a	DET
fsr-3161	26	14	retirement	retirement	NOUN
fsr-3161	26	15	plan	plan	NOUN
fsr-3161	26	16	from	from	ADP
fsr-3161	26	17	savings	saving	NOUN
fsr-3161	26	18	accumulated	accumulate	VERB
fsr-3161	26	19	elsewhere	elsewhere	ADV
fsr-3161	26	20	,	,	PUNCT
fsr-3161	26	21	there	there	PRON
fsr-3161	26	22	is	be	VERB
fsr-3161	26	23	little	little	ADJ
fsr-3161	26	24	empirical	empirical	ADJ
fsr-3161	26	25	doubt	doubt	NOUN
fsr-3161	26	26	that	that	SCONJ
fsr-3161	26	27	the	the	DET
fsr-3161	26	28	increasing	increase	VERB
fsr-3161	26	29	replacement	replacement	NOUN
fsr-3161	26	30	of	of	ADP
fsr-3161	26	31	the	the	DET
fsr-3161	26	32	defined	define	VERB
fsr-3161	26	33	benefit	benefit	NOUN
fsr-3161	26	34	pension	pension	NOUN
fsr-3161	26	35	plan	plan	NOUN
fsr-3161	26	36	by	by	ADP
fsr-3161	26	37	the	the	DET
fsr-3161	26	38	defined	define	VERB
fsr-3161	26	39	contribution	contribution	NOUN
fsr-3161	26	40	plan	plan	NOUN
fsr-3161	26	41	is	be	AUX
fsr-3161	26	42	affecting	affect	VERB
fsr-3161	26	43	the	the	DET
fsr-3161	26	44	way	way	NOUN
fsr-3161	26	45	american	american	ADJ
fsr-3161	26	46	laborers	laborer	NOUN
fsr-3161	26	47	save	save	VERB
fsr-3161	26	48	for	for	ADP
fsr-3161	26	49	retirement	retirement	NOUN
fsr-3161	26	50	.	.	PUNCT
fsr-3161	27	1	wise	wise	ADJ
fsr-3161	27	2	(	(	PUNCT
fsr-3161	27	3	2007	2007	NUM
fsr-3161	27	4	)	)	PUNCT
fsr-3161	27	5	noted	note	VERB
fsr-3161	27	6	that	that	SCONJ
fsr-3161	27	7	401(k	401(k	NOUN
fsr-3161	27	8	)	)	PUNCT
fsr-3161	27	9	plans	plan	NOUN
fsr-3161	27	10	had	have	AUX
fsr-3161	27	11	not	not	PART
fsr-3161	27	12	existed	exist	VERB
fsr-3161	27	13	for	for	ADP
fsr-3161	27	14	a	a	DET
fsr-3161	27	15	full	full	ADJ
fsr-3161	27	16	working	working	NOUN
fsr-3161	27	17	career	career	NOUN
fsr-3161	27	18	of	of	ADP
fsr-3161	27	19	those	those	PRON
fsr-3161	27	20	then	then	ADV
fsr-3161	27	21	retiring	retire	VERB
fsr-3161	27	22	and	and	CCONJ
fsr-3161	27	23	the	the	DET
fsr-3161	27	24	full	full	ADJ
fsr-3161	27	25	impact	impact	NOUN
fsr-3161	27	26	of	of	ADP
fsr-3161	27	27	this	this	DET
fsr-3161	27	28	change	change	NOUN
fsr-3161	27	29	could	could	AUX
fsr-3161	27	30	not	not	PART
fsr-3161	27	31	yet	yet	ADV
fsr-3161	27	32	be	be	AUX
fsr-3161	27	33	anticipated	anticipate	VERB
fsr-3161	27	34	.	.	PUNCT
fsr-3161	28	1	indeed	indeed	ADV
fsr-3161	28	2	,	,	PUNCT
fsr-3161	28	3	those	those	PRON
fsr-3161	28	4	who	who	PRON
fsr-3161	28	5	were	be	AUX
fsr-3161	28	6	joining	join	VERB
fsr-3161	28	7	the	the	DET
fsr-3161	28	8	workforce	workforce	NOUN
fsr-3161	28	9	in	in	ADP
fsr-3161	28	10	their	their	PRON
fsr-3161	28	11	early	early	ADJ
fsr-3161	28	12	20s	20	NOUN
fsr-3161	28	13	when	when	SCONJ
fsr-3161	28	14	congress	congress	PROPN
fsr-3161	28	15	created	create	VERB
fsr-3161	28	16	section	section	NOUN
fsr-3161	28	17	401(k	401(k	PROPN
fsr-3161	28	18	)	)	PUNCT
fsr-3161	28	19	through	through	ADP
fsr-3161	28	20	the	the	DET
fsr-3161	28	21	revenue	revenue	NOUN
fsr-3161	28	22	act	act	NOUN
fsr-3161	28	23	of	of	ADP
fsr-3161	28	24	1978	1978	NUM
fsr-3161	28	25	are	be	AUX
fsr-3161	28	26	just	just	ADV
fsr-3161	28	27	now	now	ADV
fsr-3161	28	28	entering	enter	VERB
fsr-3161	28	29	the	the	DET
fsr-3161	28	30	traditional	traditional	ADJ
fsr-3161	28	31	retirement	retirement	NOUN
fsr-3161	28	32	years	year	NOUN
fsr-3161	28	33	.	.	PUNCT
fsr-3161	29	1	still	still	ADV
fsr-3161	29	2	,	,	PUNCT
fsr-3161	29	3	studies	study	NOUN
fsr-3161	29	4	have	have	AUX
fsr-3161	29	5	emerged	emerge	VERB
fsr-3161	29	6	that	that	PRON
fsr-3161	29	7	shed	shed	VERB
fsr-3161	29	8	some	some	DET
fsr-3161	29	9	light	light	NOUN
fsr-3161	29	10	on	on	ADP
fsr-3161	29	11	where	where	SCONJ
fsr-3161	29	12	we	we	PRON
fsr-3161	29	13	are	be	AUX
fsr-3161	29	14	and	and	CCONJ
fsr-3161	29	15	where	where	SCONJ
fsr-3161	29	16	we	we	PRON
fsr-3161	29	17	seem	seem	VERB
fsr-3161	29	18	to	to	PART
fsr-3161	29	19	be	be	AUX
fsr-3161	29	20	headed	head	VERB
fsr-3161	29	21	.	.	PUNCT
fsr-3161	30	1	whether	whether	SCONJ
fsr-3161	30	2	the	the	DET
fsr-3161	30	3	existence	existence	NOUN
fsr-3161	30	4	of	of	ADP
fsr-3161	30	5	iras	ira	NOUN
fsr-3161	30	6	and	and	CCONJ
fsr-3161	30	7	401(k	401(k	NOUN
fsr-3161	30	8	)	)	PUNCT
fsr-3161	30	9	’s	’s	PART
fsr-3161	30	10	has	have	AUX
fsr-3161	30	11	increased	increase	VERB
fsr-3161	30	12	the	the	DET
fsr-3161	30	13	overall	overall	ADJ
fsr-3161	30	14	level	level	NOUN
fsr-3161	30	15	of	of	ADP
fsr-3161	30	16	savings	saving	NOUN
fsr-3161	30	17	has	have	AUX
fsr-3161	30	18	been	be	AUX
fsr-3161	30	19	significantly	significantly	ADV
fsr-3161	30	20	debated	debate	VERB
fsr-3161	30	21	with	with	ADP
fsr-3161	30	22	some	some	DET
fsr-3161	30	23	concluding	conclude	VERB
fsr-3161	30	24	they	they	PRON
fsr-3161	30	25	have	have	VERB
fsr-3161	30	26	(	(	PUNCT
fsr-3161	30	27	poterba	poterba	NOUN
fsr-3161	30	28	et	et	PROPN
fsr-3161	30	29	al	al	PROPN
fsr-3161	30	30	.	.	PROPN
fsr-3161	30	31	,	,	PUNCT
fsr-3161	30	32	1996	1996	NUM
fsr-3161	30	33	)	)	PUNCT
fsr-3161	30	34	and	and	CCONJ
fsr-3161	30	35	others	other	NOUN
fsr-3161	30	36	finding	find	VERB
fsr-3161	30	37	evidence	evidence	NOUN
fsr-3161	30	38	to	to	ADP
fsr-3161	30	39	the	the	DET
fsr-3161	30	40	contrary	contrary	NOUN
fsr-3161	30	41	(	(	PUNCT
fsr-3161	30	42	engen	engen	PROPN
fsr-3161	30	43	et	et	PROPN
fsr-3161	30	44	al	al	PROPN
fsr-3161	30	45	.	.	PROPN
fsr-3161	30	46	,	,	PUNCT
fsr-3161	30	47	1996	1996	NUM
fsr-3161	30	48	)	)	PUNCT
fsr-3161	30	49	.	.	PUNCT
fsr-3161	31	1	the	the	DET
fsr-3161	31	2	question	question	NOUN
fsr-3161	31	3	put	put	VERB
fsr-3161	31	4	on	on	ADP
fsr-3161	31	5	a	a	DET
fsr-3161	31	6	finer	fine	ADJ
fsr-3161	31	7	point	point	NOUN
fsr-3161	31	8	would	would	AUX
fsr-3161	31	9	be	be	AUX
fsr-3161	31	10	how	how	SCONJ
fsr-3161	31	11	these	these	DET
fsr-3161	31	12	defined	define	VERB
fsr-3161	31	13	contribution	contribution	NOUN
fsr-3161	31	14	structures	structure	NOUN
fsr-3161	31	15	anticipated	anticipate	VERB
fsr-3161	31	16	outcomes	outcome	NOUN
fsr-3161	31	17	compare	compare	VERB
fsr-3161	31	18	with	with	ADP
fsr-3161	31	19	those	those	PRON
fsr-3161	31	20	expected	expect	VERB
fsr-3161	31	21	to	to	PART
fsr-3161	31	22	obtain	obtain	VERB
fsr-3161	31	23	in	in	ADP
fsr-3161	31	24	a	a	DET
fsr-3161	31	25	defined	define	VERB
fsr-3161	31	26	benefit	benefit	NOUN
fsr-3161	31	27	plan	plan	NOUN
fsr-3161	31	28	.	.	PUNCT
fsr-3161	32	1	some	some	DET
fsr-3161	32	2	evidence	evidence	NOUN
fsr-3161	32	3	suggests	suggest	VERB
fsr-3161	32	4	that	that	SCONJ
fsr-3161	32	5	the	the	DET
fsr-3161	32	6	defined	define	VERB
fsr-3161	32	7	contribution	contribution	NOUN
fsr-3161	32	8	outcome	outcome	NOUN
fsr-3161	32	9	is	be	AUX
fsr-3161	32	10	likely	likely	ADJ
fsr-3161	32	11	to	to	PART
fsr-3161	32	12	be	be	AUX
fsr-3161	32	13	preferred	prefer	VERB
fsr-3161	32	14	in	in	ADP
fsr-3161	32	15	all	all	PRON
fsr-3161	32	16	but	but	SCONJ
fsr-3161	32	17	the	the	DET
fsr-3161	32	18	lowest	low	ADJ
fsr-3161	32	19	decile	decile	NOUN
fsr-3161	32	20	of	of	ADP
fsr-3161	32	21	earnings	earning	NOUN
fsr-3161	32	22	.	.	PUNCT
fsr-3161	33	1	the	the	DET
fsr-3161	33	2	reason	reason	NOUN
fsr-3161	33	3	for	for	ADP
fsr-3161	33	4	this	this	DET
fsr-3161	33	5	outcome	outcome	NOUN
fsr-3161	33	6	lies	lie	VERB
fsr-3161	33	7	in	in	ADP
fsr-3161	33	8	the	the	DET
fsr-3161	33	9	fact	fact	NOUN
fsr-3161	33	10	that	that	SCONJ
fsr-3161	33	11	stock	stock	NOUN
fsr-3161	33	12	market	market	NOUN
fsr-3161	33	13	returns	return	NOUN
fsr-3161	33	14	,	,	PUNCT
fsr-3161	33	15	so	so	ADV
fsr-3161	33	16	critical	critical	ADJ
fsr-3161	33	17	to	to	ADP
fsr-3161	33	18	the	the	DET
fsr-3161	33	19	defined	define	VERB
fsr-3161	33	20	contribution	contribution	NOUN
fsr-3161	33	21	outcome	outcome	NOUN
fsr-3161	33	22	,	,	PUNCT
fsr-3161	33	23	are	be	AUX
fsr-3161	33	24	largely	largely	ADV
fsr-3161	33	25	uncorrelated	uncorrelated	ADJ
fsr-3161	33	26	to	to	ADP
fsr-3161	33	27	any	any	DET
fsr-3161	33	28	given	give	VERB
fsr-3161	33	29	worker	worker	NOUN
fsr-3161	33	30	’s	’s	PART
fsr-3161	33	31	unique	unique	ADJ
fsr-3161	33	32	circumstances	circumstance	NOUN
fsr-3161	33	33	so	so	SCONJ
fsr-3161	33	34	a	a	DET
fsr-3161	33	35	worker	worker	NOUN
fsr-3161	33	36	is	be	AUX
fsr-3161	33	37	likely	likely	ADJ
fsr-3161	33	38	to	to	PART
fsr-3161	33	39	experience	experience	VERB
fsr-3161	33	40	highs	high	NOUN
fsr-3161	33	41	that	that	PRON
fsr-3161	33	42	counterbalance	counterbalance	VERB
fsr-3161	33	43	the	the	DET
fsr-3161	33	44	lows	low	NOUN
fsr-3161	33	45	during	during	ADP
fsr-3161	33	46	the	the	DET
fsr-3161	33	47	working	working	NOUN
fsr-3161	33	48	career	career	NOUN
fsr-3161	33	49	.	.	PUNCT
fsr-3161	34	1	conversely	conversely	ADV
fsr-3161	34	2	,	,	PUNCT
fsr-3161	34	3	define	define	VERB
fsr-3161	34	4	benefit	benefit	NOUN
fsr-3161	34	5	plan	plan	NOUN
fsr-3161	34	6	outcomes	outcome	NOUN
fsr-3161	34	7	are	be	AUX
fsr-3161	34	8	more	more	ADV
fsr-3161	34	9	determined	determined	ADJ
fsr-3161	34	10	by	by	ADP
fsr-3161	34	11	one	one	NUM
fsr-3161	34	12	’s	’s	PART
fsr-3161	34	13	level	level	NOUN
fsr-3161	34	14	of	of	ADP
fsr-3161	34	15	income	income	NOUN
fsr-3161	34	16	at	at	ADP
fsr-3161	34	17	career	career	NOUN
fsr-3161	34	18	end	end	NOUN
fsr-3161	34	19	,	,	PUNCT
fsr-3161	34	20	a	a	DET
fsr-3161	34	21	metric	metric	NOUN
fsr-3161	34	22	that	that	PRON
fsr-3161	34	23	is	be	AUX
fsr-3161	34	24	subject	subject	ADJ
fsr-3161	34	25	to	to	ADP
fsr-3161	34	26	substantial	substantial	ADJ
fsr-3161	34	27	risk	risk	NOUN
fsr-3161	34	28	.	.	PUNCT
fsr-3161	35	1	thus	thus	ADV
fsr-3161	35	2	,	,	PUNCT
fsr-3161	35	3	conversely	conversely	ADV
fsr-3161	35	4	,	,	PUNCT
fsr-3161	35	5	to	to	ADP
fsr-3161	35	6	some	some	DET
fsr-3161	35	7	popular	popular	ADJ
fsr-3161	35	8	notions	notion	NOUN
fsr-3161	35	9	,	,	PUNCT
fsr-3161	35	10	the	the	DET
fsr-3161	35	11	study	study	NOUN
fsr-3161	35	12	suggests	suggest	VERB
fsr-3161	35	13	that	that	SCONJ
fsr-3161	35	14	the	the	DET
fsr-3161	35	15	defined	define	VERB
fsr-3161	35	16	contribution	contribution	NOUN
fsr-3161	35	17	outcome	outcome	NOUN
fsr-3161	35	18	is	be	AUX
fsr-3161	35	19	generally	generally	ADV
fsr-3161	35	20	preferable	preferable	ADJ
fsr-3161	35	21	to	to	ADP
fsr-3161	35	22	the	the	DET
fsr-3161	35	23	defined	define	VERB
fsr-3161	35	24	benefit	benefit	NOUN
fsr-3161	35	25	outcome	outcome	NOUN
fsr-3161	35	26	(	(	PUNCT
fsr-3161	35	27	samwick	samwick	PROPN
fsr-3161	35	28	&	&	CCONJ
fsr-3161	35	29	skinner	skinner	PROPN
fsr-3161	35	30	,	,	PUNCT
fsr-3161	35	31	2004	2004	NUM
fsr-3161	35	32	)	)	PUNCT
fsr-3161	35	33	.	.	PUNCT
fsr-3161	36	1	within	within	ADP
fsr-3161	36	2	the	the	DET
fsr-3161	36	3	401(k	401(k	PROPN
fsr-3161	36	4	)	)	PUNCT
fsr-3161	36	5	realm	realm	NOUN
fsr-3161	36	6	,	,	PUNCT
fsr-3161	36	7	we	we	PRON
fsr-3161	36	8	observe	observe	VERB
fsr-3161	36	9	the	the	DET
fsr-3161	36	10	positive	positive	ADJ
fsr-3161	36	11	correlation	correlation	NOUN
fsr-3161	36	12	of	of	ADP
fsr-3161	36	13	participation	participation	NOUN
fsr-3161	36	14	and	and	CCONJ
fsr-3161	36	15	savings	saving	NOUN
fsr-3161	36	16	with	with	ADP
fsr-3161	36	17	income	income	NOUN
fsr-3161	36	18	,	,	PUNCT
fsr-3161	36	19	age	age	NOUN
fsr-3161	36	20	,	,	PUNCT
fsr-3161	36	21	education	education	NOUN
fsr-3161	36	22	,	,	PUNCT
fsr-3161	36	23	and	and	CCONJ
fsr-3161	36	24	job	job	NOUN
fsr-3161	36	25	tenure	tenure	NOUN
fsr-3161	36	26	(	(	PUNCT
fsr-3161	36	27	munnell	munnell	NOUN
fsr-3161	36	28	et	et	PROPN
fsr-3161	36	29	al	al	PROPN
fsr-3161	36	30	.	.	PROPN
fsr-3161	36	31	,	,	PUNCT
fsr-3161	36	32	2000	2000	NUM
fsr-3161	36	33	)	)	PUNCT
fsr-3161	36	34	.	.	PUNCT
fsr-3161	37	1	these	these	DET
fsr-3161	37	2	outcomes	outcome	NOUN
fsr-3161	37	3	are	be	AUX
fsr-3161	37	4	intuitive	intuitive	ADJ
fsr-3161	37	5	as	as	SCONJ
fsr-3161	37	6	we	we	PRON
fsr-3161	37	7	would	would	AUX
fsr-3161	37	8	expect	expect	VERB
fsr-3161	37	9	the	the	DET
fsr-3161	37	10	first	first	ADJ
fsr-3161	37	11	variable	variable	NOUN
fsr-3161	37	12	to	to	PART
fsr-3161	37	13	be	be	AUX
fsr-3161	37	14	positively	positively	ADV
fsr-3161	37	15	correlated	correlate	VERB
fsr-3161	37	16	with	with	ADP
fsr-3161	37	17	the	the	DET
fsr-3161	37	18	others	other	NOUN
fsr-3161	37	19	and	and	CCONJ
fsr-3161	37	20	252	252	NUM
fsr-3161	37	21	b.	b.	PROPN
fsr-3161	37	22	t.	t.	PROPN
fsr-3161	37	23	starr	starr	PROPN
fsr-3161	37	24	/	/	SYM
fsr-3161	37	25	financial	financial	ADJ
fsr-3161	37	26	services	service	NOUN
fsr-3161	37	27	review	review	VERB
fsr-3161	37	28	30	30	NUM
fsr-3161	37	29	(	(	PUNCT
fsr-3161	37	30	2022	2022	NUM
fsr-3161	37	31	)	)	PUNCT
fsr-3161	37	32	251–271	251–271	NUM
fsr-3161	37	33	income	income	NOUN
fsr-3161	37	34	itself	itself	PRON
fsr-3161	37	35	to	to	PART
fsr-3161	37	36	be	be	AUX
fsr-3161	37	37	positively	positively	ADV
fsr-3161	37	38	correlated	correlate	VERB
fsr-3161	37	39	with	with	ADP
fsr-3161	37	40	participation	participation	NOUN
fsr-3161	37	41	and	and	CCONJ
fsr-3161	37	42	savings	saving	NOUN
fsr-3161	37	43	.	.	PUNCT
fsr-3161	38	1	a	a	DET
fsr-3161	38	2	caveat	caveat	NOUN
fsr-3161	38	3	is	be	AUX
fsr-3161	38	4	in	in	ADP
fsr-3161	38	5	order	order	NOUN
fsr-3161	38	6	,	,	PUNCT
fsr-3161	38	7	though	though	ADV
fsr-3161	38	8	.	.	PUNCT
fsr-3161	39	1	the	the	DET
fsr-3161	39	2	literature	literature	NOUN
fsr-3161	39	3	indicates	indicate	VERB
fsr-3161	39	4	that	that	SCONJ
fsr-3161	39	5	a	a	DET
fsr-3161	39	6	significant	significant	ADJ
fsr-3161	39	7	number	number	NOUN
fsr-3161	39	8	of	of	ADP
fsr-3161	39	9	workers	worker	NOUN
fsr-3161	39	10	at	at	ADP
fsr-3161	39	11	the	the	DET
fsr-3161	39	12	lowest	low	ADJ
fsr-3161	39	13	decile	decile	NOUN
fsr-3161	39	14	of	of	ADP
fsr-3161	39	15	pay	pay	NOUN
fsr-3161	39	16	simply	simply	ADV
fsr-3161	39	17	do	do	AUX
fsr-3161	39	18	not	not	PART
fsr-3161	39	19	save	save	VERB
fsr-3161	39	20	at	at	ADV
fsr-3161	39	21	all	all	ADV
fsr-3161	39	22	,	,	PUNCT
fsr-3161	39	23	running	run	VERB
fsr-3161	39	24	counter	counter	ADV
fsr-3161	39	25	to	to	ADP
fsr-3161	39	26	our	our	PRON
fsr-3161	39	27	standard	standard	ADJ
fsr-3161	39	28	economic	economic	ADJ
fsr-3161	39	29	predictions	prediction	NOUN
fsr-3161	39	30	.	.	PUNCT
fsr-3161	40	1	why	why	SCONJ
fsr-3161	40	2	would	would	AUX
fsr-3161	40	3	a	a	DET
fsr-3161	40	4	person	person	NOUN
fsr-3161	40	5	even	even	ADV
fsr-3161	40	6	on	on	ADP
fsr-3161	40	7	a	a	DET
fsr-3161	40	8	very	very	ADV
fsr-3161	40	9	meager	meager	ADJ
fsr-3161	40	10	wage	wage	NOUN
fsr-3161	40	11	not	not	PART
fsr-3161	40	12	opt	opt	VERB
fsr-3161	40	13	to	to	PART
fsr-3161	40	14	smooth	smooth	VERB
fsr-3161	40	15	consumption	consumption	NOUN
fsr-3161	40	16	by	by	ADP
fsr-3161	40	17	saving	save	VERB
fsr-3161	40	18	at	at	ADP
fsr-3161	40	19	least	least	ADJ
fsr-3161	40	20	a	a	DET
fsr-3161	40	21	small	small	ADJ
fsr-3161	40	22	portion	portion	NOUN
fsr-3161	40	23	of	of	ADP
fsr-3161	40	24	their	their	PRON
fsr-3161	40	25	income	income	NOUN
fsr-3161	40	26	?	?	PUNCT
fsr-3161	41	1	anecdotal	anecdotal	ADJ
fsr-3161	41	2	evidence	evidence	NOUN
fsr-3161	41	3	suggests	suggest	VERB
fsr-3161	41	4	a	a	DET
fsr-3161	41	5	variety	variety	NOUN
fsr-3161	41	6	of	of	ADP
fsr-3161	41	7	reasons	reason	NOUN
fsr-3161	41	8	,	,	PUNCT
fsr-3161	41	9	including	include	VERB
fsr-3161	41	10	the	the	DET
fsr-3161	41	11	notion	notion	NOUN
fsr-3161	41	12	that	that	SCONJ
fsr-3161	41	13	they	they	PRON
fsr-3161	41	14	feel	feel	VERB
fsr-3161	41	15	too	too	ADV
fsr-3161	41	16	poor	poor	ADJ
fsr-3161	41	17	to	to	PART
fsr-3161	41	18	save	save	VERB
fsr-3161	41	19	,	,	PUNCT
fsr-3161	41	20	they	they	PRON
fsr-3161	41	21	plan	plan	VERB
fsr-3161	41	22	to	to	PART
fsr-3161	41	23	work	work	VERB
fsr-3161	41	24	until	until	SCONJ
fsr-3161	41	25	they	they	PRON
fsr-3161	41	26	die	die	VERB
fsr-3161	41	27	,	,	PUNCT
fsr-3161	41	28	or	or	CCONJ
fsr-3161	41	29	they	they	PRON
fsr-3161	41	30	expect	expect	VERB
fsr-3161	41	31	support	support	NOUN
fsr-3161	41	32	from	from	ADP
fsr-3161	41	33	other	other	ADJ
fsr-3161	41	34	sources	source	NOUN
fsr-3161	41	35	.	.	PUNCT
fsr-3161	42	1	the	the	DET
fsr-3161	42	2	latter	latter	ADJ
fsr-3161	42	3	idea	idea	NOUN
fsr-3161	42	4	will	will	AUX
fsr-3161	42	5	be	be	AUX
fsr-3161	42	6	briefly	briefly	ADV
fsr-3161	42	7	explored	explore	VERB
fsr-3161	42	8	later	later	ADV
fsr-3161	42	9	in	in	ADP
fsr-3161	42	10	the	the	DET
fsr-3161	42	11	essay	essay	NOUN
fsr-3161	42	12	.	.	PUNCT
fsr-3161	43	1	research	research	NOUN
fsr-3161	43	2	has	have	AUX
fsr-3161	43	3	also	also	ADV
fsr-3161	43	4	shown	show	VERB
fsr-3161	43	5	that	that	SCONJ
fsr-3161	43	6	plan	plan	NOUN
fsr-3161	43	7	design	design	NOUN
fsr-3161	43	8	plays	play	VERB
fsr-3161	43	9	an	an	DET
fsr-3161	43	10	important	important	ADJ
fsr-3161	43	11	role	role	NOUN
fsr-3161	43	12	in	in	ADP
fsr-3161	43	13	retirement	retirement	NOUN
fsr-3161	43	14	saving	saving	NOUN
fsr-3161	43	15	and	and	CCONJ
fsr-3161	43	16	investing	invest	VERB
fsr-3161	43	17	outcomes	outcome	NOUN
fsr-3161	43	18	among	among	ADP
fsr-3161	43	19	plan	plan	NOUN
fsr-3161	43	20	participants	participant	NOUN
fsr-3161	43	21	,	,	PUNCT
fsr-3161	43	22	though	though	SCONJ
fsr-3161	43	23	the	the	DET
fsr-3161	43	24	nature	nature	NOUN
fsr-3161	43	25	of	of	ADP
fsr-3161	43	26	the	the	DET
fsr-3161	43	27	specific	specific	ADJ
fsr-3161	43	28	conclusions	conclusion	NOUN
fsr-3161	43	29	must	must	AUX
fsr-3161	43	30	be	be	AUX
fsr-3161	43	31	carefully	carefully	ADV
fsr-3161	43	32	unpacked	unpack	VERB
fsr-3161	43	33	.	.	PUNCT
fsr-3161	44	1	according	accord	VERB
fsr-3161	44	2	to	to	ADP
fsr-3161	44	3	one	one	NUM
fsr-3161	44	4	study	study	NOUN
fsr-3161	44	5	,	,	PUNCT
fsr-3161	44	6	the	the	DET
fsr-3161	44	7	presence	presence	NOUN
fsr-3161	44	8	of	of	ADP
fsr-3161	44	9	a	a	DET
fsr-3161	44	10	matching	matching	NOUN
fsr-3161	44	11	contribution	contribution	NOUN
fsr-3161	44	12	seems	seem	VERB
fsr-3161	44	13	a	a	DET
fsr-3161	44	14	crucial	crucial	ADJ
fsr-3161	44	15	factor	factor	NOUN
fsr-3161	44	16	influencing	influence	VERB
fsr-3161	44	17	the	the	DET
fsr-3161	44	18	contribution	contribution	NOUN
fsr-3161	44	19	decision	decision	NOUN
fsr-3161	44	20	,	,	PUNCT
fsr-3161	44	21	but	but	CCONJ
fsr-3161	44	22	the	the	DET
fsr-3161	44	23	amount	amount	NOUN
fsr-3161	44	24	of	of	ADP
fsr-3161	44	25	the	the	DET
fsr-3161	44	26	matching	matching	NOUN
fsr-3161	44	27	contribution	contribution	NOUN
fsr-3161	44	28	is	be	AUX
fsr-3161	44	29	statistically	statistically	ADV
fsr-3161	44	30	insignificant	insignificant	ADJ
fsr-3161	44	31	(	(	PUNCT
fsr-3161	44	32	munnell	munnell	NOUN
fsr-3161	44	33	et	et	PROPN
fsr-3161	44	34	al	al	PROPN
fsr-3161	44	35	.	.	PROPN
fsr-3161	44	36	,	,	PUNCT
fsr-3161	44	37	2000	2000	NUM
fsr-3161	44	38	)	)	PUNCT
fsr-3161	44	39	.	.	PUNCT
fsr-3161	45	1	the	the	DET
fsr-3161	45	2	same	same	ADJ
fsr-3161	45	3	study	study	NOUN
fsr-3161	45	4	summarizes	summarize	VERB
fsr-3161	45	5	other	other	ADJ
fsr-3161	45	6	research	research	NOUN
fsr-3161	45	7	which	which	PRON
fsr-3161	45	8	demonstrates	demonstrate	VERB
fsr-3161	45	9	that	that	SCONJ
fsr-3161	45	10	a	a	DET
fsr-3161	45	11	very	very	ADV
fsr-3161	45	12	high	high	ADJ
fsr-3161	45	13	rate	rate	NOUN
fsr-3161	45	14	of	of	ADP
fsr-3161	45	15	the	the	DET
fsr-3161	45	16	match	match	NOUN
fsr-3161	45	17	is	be	AUX
fsr-3161	45	18	negatively	negatively	ADV
fsr-3161	45	19	correlated	correlate	VERB
fsr-3161	45	20	to	to	ADP
fsr-3161	45	21	the	the	DET
fsr-3161	45	22	amount	amount	NOUN
fsr-3161	45	23	a	a	DET
fsr-3161	45	24	participant	participant	NOUN
fsr-3161	45	25	saves	save	VERB
fsr-3161	45	26	in	in	ADP
fsr-3161	45	27	the	the	DET
fsr-3161	45	28	plan	plan	NOUN
fsr-3161	45	29	,	,	PUNCT
fsr-3161	45	30	perhaps	perhaps	ADV
fsr-3161	45	31	suggesting	suggest	VERB
fsr-3161	45	32	that	that	SCONJ
fsr-3161	45	33	the	the	DET
fsr-3161	45	34	income	income	NOUN
fsr-3161	45	35	effect	effect	NOUN
fsr-3161	45	36	dominates	dominate	VERB
fsr-3161	45	37	the	the	DET
fsr-3161	45	38	substitution	substitution	NOUN
fsr-3161	45	39	effect	effect	NOUN
fsr-3161	45	40	.	.	PUNCT
fsr-3161	46	1	in	in	ADP
fsr-3161	46	2	essence	essence	NOUN
fsr-3161	46	3	,	,	PUNCT
fsr-3161	46	4	the	the	DET
fsr-3161	46	5	participants	participant	NOUN
fsr-3161	46	6	are	be	AUX
fsr-3161	46	7	acting	act	VERB
fsr-3161	46	8	as	as	SCONJ
fsr-3161	46	9	if	if	SCONJ
fsr-3161	46	10	they	they	PRON
fsr-3161	46	11	have	have	AUX
fsr-3161	46	12	pre	pre	VERB
fsr-3161	46	13	-	-	VERB
fsr-3161	46	14	determined	determine	VERB
fsr-3161	46	15	what	what	DET
fsr-3161	46	16	overall	overall	ADJ
fsr-3161	46	17	percentage	percentage	NOUN
fsr-3161	46	18	of	of	ADP
fsr-3161	46	19	income	income	NOUN
fsr-3161	46	20	they	they	PRON
fsr-3161	46	21	wish	wish	VERB
fsr-3161	46	22	to	to	PART
fsr-3161	46	23	have	have	AUX
fsr-3161	46	24	contributed	contribute	VERB
fsr-3161	46	25	to	to	ADP
fsr-3161	46	26	the	the	DET
fsr-3161	46	27	plan	plan	NOUN
fsr-3161	46	28	and	and	CCONJ
fsr-3161	46	29	a	a	DET
fsr-3161	46	30	generous	generous	ADJ
fsr-3161	46	31	employer	employer	NOUN
fsr-3161	46	32	match	match	NOUN
fsr-3161	46	33	crowds	crowd	NOUN
fsr-3161	46	34	out	out	ADP
fsr-3161	46	35	their	their	PRON
fsr-3161	46	36	own	own	ADJ
fsr-3161	46	37	contributions	contribution	NOUN
fsr-3161	46	38	.	.	PUNCT
fsr-3161	47	1	the	the	DET
fsr-3161	47	2	notion	notion	NOUN
fsr-3161	47	3	that	that	SCONJ
fsr-3161	47	4	the	the	DET
fsr-3161	47	5	presence	presence	NOUN
fsr-3161	47	6	of	of	ADP
fsr-3161	47	7	a	a	DET
fsr-3161	47	8	matching	matching	NOUN
fsr-3161	47	9	contribution	contribution	NOUN
fsr-3161	47	10	has	have	AUX
fsr-3161	47	11	a	a	DET
fsr-3161	47	12	significant	significant	ADJ
fsr-3161	47	13	effect	effect	NOUN
fsr-3161	47	14	on	on	ADP
fsr-3161	47	15	plan	plan	NOUN
fsr-3161	47	16	participation	participation	NOUN
fsr-3161	47	17	is	be	AUX
fsr-3161	47	18	not	not	PART
fsr-3161	47	19	without	without	ADP
fsr-3161	47	20	debate	debate	NOUN
fsr-3161	47	21	.	.	PUNCT
fsr-3161	48	1	choi	choi	NOUN
fsr-3161	48	2	et	et	PROPN
fsr-3161	48	3	al	al	PROPN
fsr-3161	48	4	.	.	PROPN
fsr-3161	48	5	find	find	VERB
fsr-3161	48	6	that	that	SCONJ
fsr-3161	48	7	,	,	PUNCT
fsr-3161	48	8	after	after	ADP
fsr-3161	48	9	controlling	control	VERB
fsr-3161	48	10	for	for	ADP
fsr-3161	48	11	the	the	DET
fsr-3161	48	12	liquidity	liquidity	NOUN
fsr-3161	48	13	and	and	CCONJ
fsr-3161	48	14	investment	investment	NOUN
fsr-3161	48	15	constraints	constraint	NOUN
fsr-3161	48	16	embedded	embed	VERB
fsr-3161	48	17	within	within	ADP
fsr-3161	48	18	the	the	DET
fsr-3161	48	19	plan	plan	NOUN
fsr-3161	48	20	designs	design	NOUN
fsr-3161	48	21	,	,	PUNCT
fsr-3161	48	22	the	the	DET
fsr-3161	48	23	presence	presence	NOUN
fsr-3161	48	24	of	of	ADP
fsr-3161	48	25	a	a	DET
fsr-3161	48	26	match	match	NOUN
fsr-3161	48	27	only	only	ADV
fsr-3161	48	28	enticed	entice	VERB
fsr-3161	48	29	10	10	NUM
fsr-3161	48	30	%	%	NOUN
fsr-3161	48	31	of	of	ADP
fsr-3161	48	32	the	the	DET
fsr-3161	48	33	eligible	eligible	ADJ
fsr-3161	48	34	employees	employee	NOUN
fsr-3161	48	35	to	to	PART
fsr-3161	48	36	contribute	contribute	VERB
fsr-3161	48	37	to	to	ADP
fsr-3161	48	38	the	the	DET
fsr-3161	48	39	plan	plan	NOUN
fsr-3161	48	40	.	.	PUNCT
fsr-3161	49	1	workers	worker	NOUN
fsr-3161	49	2	effectively	effectively	ADV
fsr-3161	49	3	forfeit	forfeit	VERB
fsr-3161	49	4	50	50	NUM
fsr-3161	49	5	%	%	NOUN
fsr-3161	49	6	of	of	ADP
fsr-3161	49	7	the	the	DET
fsr-3161	49	8	matching	matching	NOUN
fsr-3161	49	9	contribution	contribution	NOUN
fsr-3161	49	10	that	that	PRON
fsr-3161	49	11	is	be	AUX
fsr-3161	49	12	available	available	ADJ
fsr-3161	49	13	to	to	ADP
fsr-3161	49	14	them	they	PRON
fsr-3161	49	15	by	by	ADP
fsr-3161	49	16	failing	fail	VERB
fsr-3161	49	17	to	to	PART
fsr-3161	49	18	contribute	contribute	VERB
fsr-3161	49	19	up	up	ADP
fsr-3161	49	20	to	to	ADP
fsr-3161	49	21	the	the	DET
fsr-3161	49	22	match	match	NOUN
fsr-3161	49	23	rate	rate	NOUN
fsr-3161	49	24	.	.	PUNCT
fsr-3161	50	1	the	the	DET
fsr-3161	50	2	study	study	NOUN
fsr-3161	50	3	suggests	suggest	VERB
fsr-3161	50	4	that	that	SCONJ
fsr-3161	50	5	a	a	DET
fsr-3161	50	6	matching	match	VERB
fsr-3161	50	7	contribution	contribution	NOUN
fsr-3161	50	8	to	to	PART
fsr-3161	50	9	incent	incent	VERB
fsr-3161	50	10	participation	participation	NOUN
fsr-3161	50	11	is	be	AUX
fsr-3161	50	12	a	a	DET
fsr-3161	50	13	relatively	relatively	ADV
fsr-3161	50	14	weak	weak	ADJ
fsr-3161	50	15	instrument	instrument	NOUN
fsr-3161	50	16	.	.	PUNCT
fsr-3161	51	1	indeed	indeed	ADV
fsr-3161	51	2	,	,	PUNCT
fsr-3161	51	3	it	it	PRON
fsr-3161	51	4	sometimes	sometimes	ADV
fsr-3161	51	5	appears	appear	VERB
fsr-3161	51	6	as	as	SCONJ
fsr-3161	51	7	if	if	SCONJ
fsr-3161	51	8	“	"	PUNCT
fsr-3161	51	9	at	at	ADP
fsr-3161	51	10	any	any	DET
fsr-3161	51	11	point	point	NOUN
fsr-3161	51	12	in	in	ADP
fsr-3161	51	13	time	time	NOUN
fsr-3161	51	14	employees	employee	NOUN
fsr-3161	51	15	are	be	AUX
fsr-3161	51	16	likely	likely	ADJ
fsr-3161	51	17	to	to	PART
fsr-3161	51	18	do	do	VERB
fsr-3161	51	19	whatever	whatever	PRON
fsr-3161	51	20	requires	require	VERB
fsr-3161	51	21	the	the	DET
fsr-3161	51	22	least	least	ADJ
fsr-3161	51	23	current	current	ADJ
fsr-3161	51	24	effort	effort	NOUN
fsr-3161	51	25	”	"	PUNCT
fsr-3161	51	26	(	(	PUNCT
fsr-3161	51	27	choi	choi	NOUN
fsr-3161	51	28	et	et	PROPN
fsr-3161	51	29	al	al	PROPN
fsr-3161	51	30	.	.	PROPN
fsr-3161	51	31	,	,	PUNCT
fsr-3161	51	32	2001	2001	NUM
fsr-3161	51	33	)	)	PUNCT
fsr-3161	51	34	,	,	PUNCT
fsr-3161	51	35	deeply	deeply	ADV
fsr-3161	51	36	implicating	implicate	VERB
fsr-3161	51	37	plan	plan	NOUN
fsr-3161	51	38	design	design	NOUN
fsr-3161	51	39	decisions	decision	NOUN
fsr-3161	51	40	(	(	PUNCT
fsr-3161	51	41	choi	choi	NOUN
fsr-3161	51	42	et	et	PROPN
fsr-3161	51	43	al	al	PROPN
fsr-3161	51	44	.	.	PROPN
fsr-3161	51	45	,	,	PUNCT
fsr-3161	51	46	2004	2004	NUM
fsr-3161	51	47	)	)	PUNCT
fsr-3161	51	48	.	.	PUNCT
fsr-3161	52	1	stronger	strong	ADJ
fsr-3161	52	2	measures	measure	NOUN
fsr-3161	52	3	such	such	ADJ
fsr-3161	52	4	as	as	ADP
fsr-3161	52	5	an	an	DET
fsr-3161	52	6	automatic	automatic	ADJ
fsr-3161	52	7	enrollment	enrollment	NOUN
fsr-3161	52	8	(	(	PUNCT
fsr-3161	52	9	mitchell	mitchell	PROPN
fsr-3161	52	10	et	et	PROPN
fsr-3161	52	11	al	al	PROPN
fsr-3161	52	12	.	.	PROPN
fsr-3161	52	13	,	,	PUNCT
fsr-3161	52	14	2007	2007	NUM
fsr-3161	52	15	)	)	PUNCT
fsr-3161	52	16	or	or	CCONJ
fsr-3161	52	17	fresh	fresh	ADJ
fsr-3161	52	18	start	start	NOUN
fsr-3161	52	19	nudge	nudge	NOUN
fsr-3161	52	20	(	(	PUNCT
fsr-3161	52	21	beshears	beshear	NOUN
fsr-3161	52	22	et	et	PROPN
fsr-3161	52	23	al	al	PROPN
fsr-3161	52	24	.	.	PROPN
fsr-3161	52	25	,	,	PUNCT
fsr-3161	52	26	2021	2021	NUM
fsr-3161	52	27	)	)	PUNCT
fsr-3161	52	28	seem	seem	VERB
fsr-3161	52	29	more	more	ADV
fsr-3161	52	30	critical	critical	ADJ
fsr-3161	52	31	to	to	ADP
fsr-3161	52	32	obtaining	obtain	VERB
fsr-3161	52	33	optimal	optimal	ADJ
fsr-3161	52	34	savings	saving	NOUN
fsr-3161	52	35	outcomes	outcome	NOUN
fsr-3161	52	36	.	.	PUNCT
fsr-3161	53	1	such	such	ADJ
fsr-3161	53	2	behavioral	behavioral	ADJ
fsr-3161	53	3	inertia	inertia	NOUN
fsr-3161	53	4	toward	toward	ADP
fsr-3161	53	5	an	an	DET
fsr-3161	53	6	intuitive	intuitive	ADJ
fsr-3161	53	7	path	path	NOUN
fsr-3161	53	8	of	of	ADP
fsr-3161	53	9	least	least	ADJ
fsr-3161	53	10	resistance	resistance	NOUN
fsr-3161	53	11	might	might	AUX
fsr-3161	53	12	extend	extend	VERB
fsr-3161	53	13	to	to	ADP
fsr-3161	53	14	the	the	DET
fsr-3161	53	15	investment	investment	NOUN
fsr-3161	53	16	decision	decision	NOUN
fsr-3161	53	17	as	as	ADV
fsr-3161	53	18	well	well	ADV
fsr-3161	53	19	(	(	PUNCT
fsr-3161	53	20	brown	brown	PROPN
fsr-3161	53	21	et	et	PROPN
fsr-3161	53	22	al	al	PROPN
fsr-3161	53	23	.	.	PROPN
fsr-3161	53	24	,	,	PUNCT
fsr-3161	53	25	2007	2007	NUM
fsr-3161	53	26	)	)	PUNCT
fsr-3161	53	27	.	.	PUNCT
fsr-3161	54	1	thus	thus	ADV
fsr-3161	54	2	,	,	PUNCT
fsr-3161	54	3	it	it	PRON
fsr-3161	54	4	is	be	AUX
fsr-3161	54	5	no	no	DET
fsr-3161	54	6	surprise	surprise	NOUN
fsr-3161	54	7	that	that	SCONJ
fsr-3161	54	8	strong	strong	ADJ
fsr-3161	54	9	evidence	evidence	NOUN
fsr-3161	54	10	has	have	AUX
fsr-3161	54	11	emerged	emerge	VERB
fsr-3161	54	12	that	that	DET
fsr-3161	54	13	automatic	automatic	ADJ
fsr-3161	54	14	enrollment	enrollment	NOUN
fsr-3161	54	15	,	,	PUNCT
fsr-3161	54	16	a	a	DET
fsr-3161	54	17	levering	levering	NOUN
fsr-3161	54	18	of	of	ADP
fsr-3161	54	19	behavioral	behavioral	ADJ
fsr-3161	54	20	inertia	inertia	NOUN
fsr-3161	54	21	,	,	PUNCT
fsr-3161	54	22	significantly	significantly	ADV
fsr-3161	54	23	affects	affect	VERB
fsr-3161	54	24	savings	saving	NOUN
fsr-3161	54	25	outcomes	outcome	NOUN
fsr-3161	54	26	in	in	ADP
fsr-3161	54	27	401(k	401(k	NOUN
fsr-3161	54	28	)	)	PUNCT
fsr-3161	54	29	plans	plan	NOUN
fsr-3161	54	30	.	.	PUNCT
fsr-3161	55	1	before	before	ADP
fsr-3161	55	2	the	the	DET
fsr-3161	55	3	advent	advent	NOUN
fsr-3161	55	4	of	of	ADP
fsr-3161	55	5	this	this	DET
fsr-3161	55	6	technique	technique	NOUN
fsr-3161	55	7	,	,	PUNCT
fsr-3161	55	8	the	the	DET
fsr-3161	55	9	default	default	NOUN
fsr-3161	55	10	election	election	NOUN
fsr-3161	55	11	of	of	ADP
fsr-3161	55	12	each	each	DET
fsr-3161	55	13	participant	participant	NOUN
fsr-3161	55	14	was	be	AUX
fsr-3161	55	15	deemed	deem	VERB
fsr-3161	55	16	to	to	PART
fsr-3161	55	17	be	be	AUX
fsr-3161	55	18	a	a	DET
fsr-3161	55	19	deferral	deferral	NOUN
fsr-3161	55	20	of	of	ADP
fsr-3161	55	21	nothing	nothing	PRON
fsr-3161	55	22	into	into	ADP
fsr-3161	55	23	the	the	DET
fsr-3161	55	24	plan	plan	NOUN
fsr-3161	55	25	until	until	SCONJ
fsr-3161	55	26	the	the	DET
fsr-3161	55	27	plan	plan	NOUN
fsr-3161	55	28	-	-	PUNCT
fsr-3161	55	29	eligible	eligible	ADJ
fsr-3161	55	30	participant	participant	NOUN
fsr-3161	55	31	signed	sign	VERB
fsr-3161	55	32	a	a	DET
fsr-3161	55	33	deferral	deferral	ADJ
fsr-3161	55	34	agreement	agreement	NOUN
fsr-3161	55	35	electing	elect	VERB
fsr-3161	55	36	some	some	DET
fsr-3161	55	37	positive	positive	ADJ
fsr-3161	55	38	amount	amount	NOUN
fsr-3161	55	39	to	to	PART
fsr-3161	55	40	be	be	AUX
fsr-3161	55	41	saved	save	VERB
fsr-3161	55	42	.	.	PUNCT
fsr-3161	56	1	automatic	automatic	ADJ
fsr-3161	56	2	enrollment	enrollment	NOUN
fsr-3161	56	3	implicitly	implicitly	ADV
fsr-3161	56	4	assumes	assume	VERB
fsr-3161	56	5	that	that	SCONJ
fsr-3161	56	6	such	such	DET
fsr-3161	56	7	an	an	DET
fsr-3161	56	8	option	option	NOUN
fsr-3161	56	9	is	be	AUX
fsr-3161	56	10	not	not	PART
fsr-3161	56	11	welfare	welfare	NOUN
fsr-3161	56	12	-	-	PUNCT
fsr-3161	56	13	maximizing	maximizing	NOUN
fsr-3161	56	14	and	and	CCONJ
fsr-3161	56	15	makes	make	VERB
fsr-3161	56	16	the	the	DET
fsr-3161	56	17	default	default	NOUN
fsr-3161	56	18	savings	saving	NOUN
fsr-3161	56	19	percentage	percentage	NOUN
fsr-3161	56	20	some	some	DET
fsr-3161	56	21	positive	positive	ADJ
fsr-3161	56	22	number	number	NOUN
fsr-3161	56	23	(	(	PUNCT
fsr-3161	56	24	say	say	VERB
fsr-3161	56	25	3	3	NUM
fsr-3161	56	26	%	%	NOUN
fsr-3161	56	27	)	)	PUNCT
fsr-3161	56	28	.	.	PUNCT
fsr-3161	57	1	thus	thus	ADV
fsr-3161	57	2	,	,	PUNCT
fsr-3161	57	3	the	the	DET
fsr-3161	57	4	election	election	NOUN
fsr-3161	57	5	to	to	PART
fsr-3161	57	6	defer	defer	VERB
fsr-3161	57	7	to	to	ADP
fsr-3161	57	8	the	the	DET
fsr-3161	57	9	plan	plan	NOUN
fsr-3161	57	10	becomes	become	VERB
fsr-3161	57	11	essentially	essentially	ADV
fsr-3161	57	12	a	a	DET
fsr-3161	57	13	negative	negative	ADJ
fsr-3161	57	14	election	election	NOUN
fsr-3161	57	15	.	.	PUNCT
fsr-3161	58	1	only	only	ADV
fsr-3161	58	2	by	by	ADP
fsr-3161	58	3	making	make	VERB
fsr-3161	58	4	an	an	DET
fsr-3161	58	5	affirmative	affirmative	ADJ
fsr-3161	58	6	election	election	NOUN
fsr-3161	58	7	to	to	ADP
fsr-3161	58	8	the	the	DET
fsr-3161	58	9	contrary	contrary	NOUN
fsr-3161	58	10	can	can	AUX
fsr-3161	58	11	the	the	DET
fsr-3161	58	12	participant	participant	ADJ
fsr-3161	58	13	move	move	VERB
fsr-3161	58	14	to	to	ADP
fsr-3161	58	15	another	another	DET
fsr-3161	58	16	rate	rate	NOUN
fsr-3161	58	17	of	of	ADP
fsr-3161	58	18	deferral	deferral	NOUN
fsr-3161	58	19	,	,	PUNCT
fsr-3161	58	20	including	include	VERB
fsr-3161	58	21	the	the	DET
fsr-3161	58	22	formerly	formerly	ADV
fsr-3161	58	23	ubiquitous	ubiquitous	ADJ
fsr-3161	58	24	0	0	NUM
fsr-3161	58	25	%	%	NOUN
fsr-3161	58	26	election	election	NOUN
fsr-3161	58	27	.	.	PUNCT
fsr-3161	59	1	early	early	ADJ
fsr-3161	59	2	research	research	NOUN
fsr-3161	59	3	demonstrated	demonstrate	VERB
fsr-3161	59	4	an	an	DET
fsr-3161	59	5	escalation	escalation	NOUN
fsr-3161	59	6	in	in	ADP
fsr-3161	59	7	participation	participation	NOUN
fsr-3161	59	8	of	of	ADP
fsr-3161	59	9	48	48	NUM
fsr-3161	59	10	percentage	percentage	NOUN
fsr-3161	59	11	points	point	NOUN
fsr-3161	59	12	for	for	ADP
fsr-3161	59	13	new	new	ADJ
fsr-3161	59	14	hires	hire	NOUN
fsr-3161	59	15	under	under	ADP
fsr-3161	59	16	automatic	automatic	ADJ
fsr-3161	59	17	enrollment	enrollment	NOUN
fsr-3161	59	18	(	(	PUNCT
fsr-3161	59	19	madrian	madrian	PROPN
fsr-3161	59	20	&	&	CCONJ
fsr-3161	59	21	shea	shea	PROPN
fsr-3161	59	22	,	,	PUNCT
fsr-3161	59	23	2000	2000	NUM
fsr-3161	59	24	)	)	PUNCT
fsr-3161	59	25	.	.	PUNCT
fsr-3161	60	1	follow	follow	VERB
fsr-3161	60	2	-	-	PUNCT
fsr-3161	60	3	up	up	ADP
fsr-3161	60	4	research	research	NOUN
fsr-3161	60	5	reiterated	reiterate	VERB
fsr-3161	60	6	the	the	DET
fsr-3161	60	7	drastic	drastic	ADJ
fsr-3161	60	8	increase	increase	NOUN
fsr-3161	60	9	in	in	ADP
fsr-3161	60	10	participation	participation	NOUN
fsr-3161	60	11	and	and	CCONJ
fsr-3161	60	12	revealed	reveal	VERB
fsr-3161	60	13	that	that	SCONJ
fsr-3161	60	14	between	between	ADP
fsr-3161	60	15	65	65	NUM
fsr-3161	60	16	%	%	NOUN
fsr-3161	60	17	and	and	CCONJ
fsr-3161	60	18	87	87	NUM
fsr-3161	60	19	%	%	NOUN
fsr-3161	60	20	of	of	ADP
fsr-3161	60	21	new	new	ADJ
fsr-3161	60	22	plan	plan	NOUN
fsr-3161	60	23	participants	participant	NOUN
fsr-3161	60	24	“	"	PUNCT
fsr-3161	60	25	elected	elect	VERB
fsr-3161	60	26	”	"	PUNCT
fsr-3161	60	27	the	the	DET
fsr-3161	60	28	default	default	NOUN
fsr-3161	60	29	rate	rate	NOUN
fsr-3161	60	30	defined	define	VERB
fsr-3161	60	31	under	under	ADP
fsr-3161	60	32	the	the	DET
fsr-3161	60	33	plan	plan	NOUN
fsr-3161	60	34	(	(	PUNCT
fsr-3161	60	35	choi	choi	NOUN
fsr-3161	60	36	et	et	PROPN
fsr-3161	60	37	al	al	PROPN
fsr-3161	60	38	.	.	PROPN
fsr-3161	60	39	,	,	PUNCT
fsr-3161	60	40	2001	2001	NUM
fsr-3161	60	41	)	)	PUNCT
fsr-3161	60	42	.	.	PUNCT
fsr-3161	61	1	even	even	ADV
fsr-3161	61	2	after	after	ADP
fsr-3161	61	3	controlling	control	VERB
fsr-3161	61	4	for	for	ADP
fsr-3161	61	5	matching	matching	NOUN
fsr-3161	61	6	contributions	contribution	NOUN
fsr-3161	61	7	,	,	PUNCT
fsr-3161	61	8	the	the	DET
fsr-3161	61	9	efficacy	efficacy	NOUN
fsr-3161	61	10	of	of	ADP
fsr-3161	61	11	automatic	automatic	ADJ
fsr-3161	61	12	enrollment	enrollment	NOUN
fsr-3161	61	13	appears	appear	VERB
fsr-3161	61	14	robust	robust	ADJ
fsr-3161	61	15	(	(	PUNCT
fsr-3161	61	16	beshears	beshear	NOUN
fsr-3161	61	17	et	et	PROPN
fsr-3161	61	18	al	al	PROPN
fsr-3161	61	19	.	.	PROPN
fsr-3161	61	20	,	,	PUNCT
fsr-3161	61	21	2007	2007	NUM
fsr-3161	61	22	)	)	PUNCT
fsr-3161	61	23	.	.	PUNCT
fsr-3161	62	1	enrollment	enrollment	NOUN
fsr-3161	62	2	processes	process	NOUN
fsr-3161	62	3	that	that	PRON
fsr-3161	62	4	seek	seek	VERB
fsr-3161	62	5	to	to	PART
fsr-3161	62	6	simplify	simplify	VERB
fsr-3161	62	7	the	the	DET
fsr-3161	62	8	contribution	contribution	NOUN
fsr-3161	62	9	and	and	CCONJ
fsr-3161	62	10	investment	investment	NOUN
fsr-3161	62	11	election	election	NOUN
fsr-3161	62	12	b.	b.	PROPN
fsr-3161	62	13	t.	t.	PROPN
fsr-3161	62	14	starr	starr	PROPN
fsr-3161	62	15	/	/	SYM
fsr-3161	62	16	financial	financial	ADJ
fsr-3161	62	17	services	service	NOUN
fsr-3161	62	18	review	review	VERB
fsr-3161	62	19	30	30	NUM
fsr-3161	62	20	(	(	PUNCT
fsr-3161	62	21	2022	2022	NUM
fsr-3161	62	22	)	)	PUNCT
fsr-3161	62	23	251–271	251–271	NUM
fsr-3161	62	24	253	253	NUM
fsr-3161	62	25	decision	decision	NOUN
fsr-3161	62	26	-	-	PUNCT
fsr-3161	62	27	making	make	VERB
fsr-3161	62	28	process	process	NOUN
fsr-3161	62	29	have	have	AUX
fsr-3161	62	30	been	be	AUX
fsr-3161	62	31	shown	show	VERB
fsr-3161	62	32	to	to	PART
fsr-3161	62	33	increase	increase	VERB
fsr-3161	62	34	participation	participation	NOUN
fsr-3161	62	35	(	(	PUNCT
fsr-3161	62	36	choi	choi	NOUN
fsr-3161	62	37	et	et	PROPN
fsr-3161	62	38	al	al	PROPN
fsr-3161	62	39	.	.	PROPN
fsr-3161	62	40	,	,	PUNCT
fsr-3161	62	41	2006	2006	NUM
fsr-3161	62	42	)	)	PUNCT
fsr-3161	62	43	though	though	SCONJ
fsr-3161	62	44	not	not	PART
fsr-3161	62	45	to	to	ADP
fsr-3161	62	46	the	the	DET
fsr-3161	62	47	same	same	ADJ
fsr-3161	62	48	degree	degree	NOUN
fsr-3161	62	49	as	as	ADP
fsr-3161	62	50	through	through	ADP
fsr-3161	62	51	the	the	DET
fsr-3161	62	52	mechanism	mechanism	NOUN
fsr-3161	62	53	of	of	ADP
fsr-3161	62	54	automatic	automatic	ADJ
fsr-3161	62	55	enrollment	enrollment	NOUN
fsr-3161	62	56	(	(	PUNCT
fsr-3161	62	57	beshears	beshear	NOUN
fsr-3161	62	58	et	et	PROPN
fsr-3161	62	59	al	al	PROPN
fsr-3161	62	60	.	.	PROPN
fsr-3161	62	61	,	,	PUNCT
fsr-3161	62	62	2007	2007	NUM
fsr-3161	62	63	)	)	PUNCT
fsr-3161	62	64	,	,	PUNCT
fsr-3161	62	65	and	and	CCONJ
fsr-3161	62	66	the	the	DET
fsr-3161	62	67	extent	extent	NOUN
fsr-3161	62	68	to	to	PART
fsr-3161	62	69	which	which	DET
fsr-3161	62	70	simplification	simplification	NOUN
fsr-3161	62	71	is	be	AUX
fsr-3161	62	72	effective	effective	ADJ
fsr-3161	62	73	in	in	ADP
fsr-3161	62	74	improving	improve	VERB
fsr-3161	62	75	outcomes	outcome	NOUN
fsr-3161	62	76	is	be	AUX
fsr-3161	62	77	still	still	ADV
fsr-3161	62	78	up	up	ADP
fsr-3161	62	79	for	for	ADP
fsr-3161	62	80	debate	debate	NOUN
fsr-3161	62	81	(	(	PUNCT
fsr-3161	62	82	cardella	cardella	PROPN
fsr-3161	62	83	et	et	PROPN
fsr-3161	62	84	al	al	PROPN
fsr-3161	62	85	.	.	PROPN
fsr-3161	62	86	,	,	PUNCT
fsr-3161	62	87	2021	2021	NUM
fsr-3161	62	88	)	)	PUNCT
fsr-3161	62	89	.	.	PUNCT
fsr-3161	63	1	these	these	DET
fsr-3161	63	2	findings	finding	NOUN
fsr-3161	63	3	are	be	AUX
fsr-3161	63	4	telling	tell	VERB
fsr-3161	63	5	and	and	CCONJ
fsr-3161	63	6	somewhat	somewhat	ADV
fsr-3161	63	7	discombobulating	discombobulate	VERB
fsr-3161	63	8	to	to	ADP
fsr-3161	63	9	standard	standard	ADJ
fsr-3161	63	10	economic	economic	ADJ
fsr-3161	63	11	theory	theory	NOUN
fsr-3161	63	12	.	.	PUNCT
fsr-3161	64	1	before	before	ADP
fsr-3161	64	2	this	this	DET
fsr-3161	64	3	research	research	NOUN
fsr-3161	64	4	,	,	PUNCT
fsr-3161	64	5	economists	economist	NOUN
fsr-3161	64	6	could	could	AUX
fsr-3161	64	7	simply	simply	ADV
fsr-3161	64	8	argue	argue	VERB
fsr-3161	64	9	that	that	SCONJ
fsr-3161	64	10	many	many	ADJ
fsr-3161	64	11	non	non	NOUN
fsr-3161	64	12	-	-	NOUN
fsr-3161	64	13	savers	saver	NOUN
fsr-3161	64	14	had	have	VERB
fsr-3161	64	15	very	very	ADV
fsr-3161	64	16	large	large	ADJ
fsr-3161	64	17	discount	discount	NOUN
fsr-3161	64	18	rates	rate	NOUN
fsr-3161	64	19	on	on	ADP
fsr-3161	64	20	their	their	PRON
fsr-3161	64	21	future	future	ADJ
fsr-3161	64	22	utilities	utility	NOUN
fsr-3161	64	23	and	and	CCONJ
fsr-3161	64	24	affirmatively	affirmatively	ADV
fsr-3161	64	25	elected	elect	VERB
fsr-3161	64	26	not	not	PART
fsr-3161	64	27	to	to	PART
fsr-3161	64	28	save	save	VERB
fsr-3161	64	29	,	,	PUNCT
fsr-3161	64	30	even	even	ADV
fsr-3161	64	31	in	in	ADP
fsr-3161	64	32	full	full	ADJ
fsr-3161	64	33	knowledge	knowledge	NOUN
fsr-3161	64	34	of	of	ADP
fsr-3161	64	35	the	the	DET
fsr-3161	64	36	future	future	ADJ
fsr-3161	64	37	implications	implication	NOUN
fsr-3161	64	38	of	of	ADP
fsr-3161	64	39	such	such	ADJ
fsr-3161	64	40	non	non	NOUN
fsr-3161	64	41	-	-	NOUN
fsr-3161	64	42	savings	saving	NOUN
fsr-3161	64	43	.	.	PUNCT
fsr-3161	65	1	a	a	DET
fsr-3161	65	2	more	more	ADV
fsr-3161	65	3	moderate	moderate	ADJ
fsr-3161	65	4	view	view	NOUN
fsr-3161	65	5	would	would	AUX
fsr-3161	65	6	have	have	AUX
fsr-3161	65	7	held	hold	VERB
fsr-3161	65	8	that	that	PRON
fsr-3161	65	9	utility	utility	NOUN
fsr-3161	65	10	discounting	discount	VERB
fsr-3161	65	11	is	be	AUX
fsr-3161	65	12	dynamic	dynamic	ADJ
fsr-3161	65	13	and	and	CCONJ
fsr-3161	65	14	that	that	SCONJ
fsr-3161	65	15	participants	participant	NOUN
fsr-3161	65	16	would	would	AUX
fsr-3161	65	17	later	later	ADV
fsr-3161	65	18	regret	regret	VERB
fsr-3161	65	19	their	their	PRON
fsr-3161	65	20	earlier	early	ADJ
fsr-3161	65	21	non	non	ADJ
fsr-3161	65	22	-	-	ADJ
fsr-3161	65	23	savings	savings	ADJ
fsr-3161	65	24	decision	decision	NOUN
fsr-3161	65	25	.	.	PUNCT
fsr-3161	66	1	however	however	ADV
fsr-3161	66	2	,	,	PUNCT
fsr-3161	66	3	in	in	ADP
fsr-3161	66	4	either	either	DET
fsr-3161	66	5	version	version	NOUN
fsr-3161	66	6	of	of	ADP
fsr-3161	66	7	the	the	DET
fsr-3161	66	8	narrative	narrative	NOUN
fsr-3161	66	9	,	,	PUNCT
fsr-3161	66	10	participants	participant	NOUN
fsr-3161	66	11	were	be	AUX
fsr-3161	66	12	held	hold	VERB
fsr-3161	66	13	as	as	ADP
fsr-3161	66	14	rational	rational	ADJ
fsr-3161	66	15	thinkers	thinker	NOUN
fsr-3161	66	16	.	.	PUNCT
fsr-3161	67	1	research	research	NOUN
fsr-3161	67	2	on	on	ADP
fsr-3161	67	3	automatic	automatic	ADJ
fsr-3161	67	4	enrollment	enrollment	NOUN
fsr-3161	67	5	introduces	introduce	NOUN
fsr-3161	67	6	the	the	DET
fsr-3161	67	7	notion	notion	NOUN
fsr-3161	67	8	that	that	SCONJ
fsr-3161	67	9	participants	participant	NOUN
fsr-3161	67	10	might	might	AUX
fsr-3161	67	11	not	not	PART
fsr-3161	67	12	be	be	AUX
fsr-3161	67	13	thinking	think	VERB
fsr-3161	67	14	at	at	ADV
fsr-3161	67	15	all	all	ADV
fsr-3161	67	16	,	,	PUNCT
fsr-3161	67	17	begging	beg	VERB
fsr-3161	67	18	the	the	DET
fsr-3161	67	19	question	question	NOUN
fsr-3161	67	20	of	of	ADP
fsr-3161	67	21	the	the	DET
fsr-3161	67	22	importance	importance	NOUN
fsr-3161	67	23	of	of	ADP
fsr-3161	67	24	financial	financial	ADJ
fsr-3161	67	25	literacy	literacy	NOUN
fsr-3161	67	26	in	in	ADP
fsr-3161	67	27	retirement	retirement	NOUN
fsr-3161	67	28	savings	saving	NOUN
fsr-3161	67	29	outcomes	outcome	NOUN
fsr-3161	67	30	.	.	PUNCT
fsr-3161	68	1	a	a	DET
fsr-3161	68	2	large	large	ADJ
fsr-3161	68	3	body	body	NOUN
fsr-3161	68	4	of	of	ADP
fsr-3161	68	5	literature	literature	NOUN
fsr-3161	68	6	examines	examine	VERB
fsr-3161	68	7	the	the	DET
fsr-3161	68	8	impact	impact	NOUN
fsr-3161	68	9	of	of	ADP
fsr-3161	68	10	financial	financial	ADJ
fsr-3161	68	11	literacy	literacy	NOUN
fsr-3161	68	12	on	on	ADP
fsr-3161	68	13	financial	financial	ADJ
fsr-3161	68	14	decision	decision	NOUN
fsr-3161	68	15	making	making	NOUN
fsr-3161	68	16	,	,	PUNCT
fsr-3161	68	17	with	with	ADP
fsr-3161	68	18	a	a	DET
fsr-3161	68	19	subset	subset	NOUN
fsr-3161	68	20	of	of	ADP
fsr-3161	68	21	that	that	DET
fsr-3161	68	22	literature	literature	NOUN
fsr-3161	68	23	exploring	explore	VERB
fsr-3161	68	24	how	how	SCONJ
fsr-3161	68	25	we	we	PRON
fsr-3161	68	26	learn	learn	VERB
fsr-3161	68	27	to	to	PART
fsr-3161	68	28	save	save	VERB
fsr-3161	68	29	and	and	CCONJ
fsr-3161	68	30	invest	invest	VERB
fsr-3161	68	31	.	.	PUNCT
fsr-3161	69	1	not	not	PART
fsr-3161	69	2	surprisingly	surprisingly	ADV
fsr-3161	69	3	,	,	PUNCT
fsr-3161	69	4	some	some	PRON
fsr-3161	69	5	of	of	ADP
fsr-3161	69	6	that	that	DET
fsr-3161	69	7	learning	learning	NOUN
fsr-3161	69	8	emerges	emerge	VERB
fsr-3161	69	9	from	from	ADP
fsr-3161	69	10	our	our	PRON
fsr-3161	69	11	own	own	ADJ
fsr-3161	69	12	experiences	experience	NOUN
fsr-3161	69	13	(	(	PUNCT
fsr-3161	69	14	choi	choi	NOUN
fsr-3161	69	15	et	et	PROPN
fsr-3161	69	16	al	al	PROPN
fsr-3161	69	17	.	.	PROPN
fsr-3161	69	18	,	,	PUNCT
fsr-3161	69	19	2009	2009	NUM
fsr-3161	69	20	)	)	PUNCT
fsr-3161	69	21	and	and	CCONJ
fsr-3161	69	22	education	education	NOUN
fsr-3161	69	23	,	,	PUNCT
fsr-3161	69	24	though	though	SCONJ
fsr-3161	69	25	not	not	PART
fsr-3161	69	26	necessarily	necessarily	ADV
fsr-3161	69	27	in	in	ADP
fsr-3161	69	28	financial	financial	ADJ
fsr-3161	69	29	literacy	literacy	NOUN
fsr-3161	69	30	per	per	ADP
fsr-3161	69	31	se	se	X
fsr-3161	69	32	,	,	PUNCT
fsr-3161	69	33	plays	play	VERB
fsr-3161	69	34	a	a	DET
fsr-3161	69	35	key	key	ADJ
fsr-3161	69	36	role	role	NOUN
fsr-3161	69	37	in	in	ADP
fsr-3161	69	38	determining	determine	VERB
fsr-3161	69	39	financial	financial	ADJ
fsr-3161	69	40	outcomes	outcome	NOUN
fsr-3161	69	41	(	(	PUNCT
fsr-3161	69	42	cole	cole	PROPN
fsr-3161	69	43	et	et	PROPN
fsr-3161	69	44	al	al	PROPN
fsr-3161	69	45	.	.	PROPN
fsr-3161	69	46	,	,	PUNCT
fsr-3161	69	47	2014	2014	NUM
fsr-3161	69	48	)	)	PUNCT
fsr-3161	69	49	.	.	PUNCT
fsr-3161	70	1	some	some	DET
fsr-3161	70	2	data	datum	NOUN
fsr-3161	70	3	suggests	suggest	VERB
fsr-3161	70	4	that	that	SCONJ
fsr-3161	70	5	children	child	NOUN
fsr-3161	70	6	learn	learn	VERB
fsr-3161	70	7	general	general	ADJ
fsr-3161	70	8	savings	saving	NOUN
fsr-3161	70	9	behavior	behavior	NOUN
fsr-3161	70	10	from	from	ADP
fsr-3161	70	11	their	their	PRON
fsr-3161	70	12	parents	parent	NOUN
fsr-3161	70	13	,	,	PUNCT
fsr-3161	70	14	particularly	particularly	ADV
fsr-3161	70	15	when	when	SCONJ
fsr-3161	70	16	the	the	DET
fsr-3161	70	17	children	child	NOUN
fsr-3161	70	18	have	have	AUX
fsr-3161	70	19	received	receive	VERB
fsr-3161	70	20	little	little	ADJ
fsr-3161	70	21	financial	financial	ADJ
fsr-3161	70	22	training	training	NOUN
fsr-3161	70	23	elsewhere	elsewhere	ADV
fsr-3161	70	24	(	(	PUNCT
fsr-3161	70	25	tang	tang	PROPN
fsr-3161	70	26	&	&	CCONJ
fsr-3161	70	27	peter	peter	PROPN
fsr-3161	70	28	,	,	PUNCT
fsr-3161	70	29	2015	2015	NUM
fsr-3161	70	30	)	)	PUNCT
fsr-3161	70	31	,	,	PUNCT
fsr-3161	70	32	though	though	SCONJ
fsr-3161	70	33	individual	individual	ADJ
fsr-3161	70	34	behavioral	behavioral	ADJ
fsr-3161	70	35	traits	trait	NOUN
fsr-3161	70	36	of	of	ADP
fsr-3161	70	37	the	the	DET
fsr-3161	70	38	children	child	NOUN
fsr-3161	70	39	seem	seem	VERB
fsr-3161	70	40	to	to	PART
fsr-3161	70	41	ultimately	ultimately	ADV
fsr-3161	70	42	prove	prove	VERB
fsr-3161	70	43	more	more	ADV
fsr-3161	70	44	critical	critical	ADJ
fsr-3161	70	45	than	than	ADP
fsr-3161	70	46	parental	parental	ADJ
fsr-3161	70	47	training	training	NOUN
fsr-3161	70	48	(	(	PUNCT
fsr-3161	70	49	barboza	barboza	PROPN
fsr-3161	70	50	et	et	PROPN
fsr-3161	70	51	al	al	PROPN
fsr-3161	70	52	.	.	PROPN
fsr-3161	70	53	,	,	PUNCT
fsr-3161	70	54	2021	2021	NUM
fsr-3161	70	55	)	)	PUNCT
fsr-3161	70	56	.	.	PUNCT
fsr-3161	71	1	a	a	DET
fsr-3161	71	2	probit	probit	NOUN
fsr-3161	71	3	analysis	analysis	NOUN
fsr-3161	71	4	of	of	ADP
fsr-3161	71	5	intergenerational	intergenerational	ADJ
fsr-3161	71	6	asset	asset	NOUN
fsr-3161	71	7	holdings	holding	NOUN
fsr-3161	71	8	finds	find	VERB
fsr-3161	71	9	a	a	DET
fsr-3161	71	10	significant	significant	ADJ
fsr-3161	71	11	correlation	correlation	NOUN
fsr-3161	71	12	between	between	ADP
fsr-3161	71	13	bank	bank	NOUN
fsr-3161	71	14	account	account	NOUN
fsr-3161	71	15	and	and	CCONJ
fsr-3161	71	16	stock	stock	NOUN
fsr-3161	71	17	holdings	holding	NOUN
fsr-3161	71	18	between	between	ADP
fsr-3161	71	19	parents	parent	NOUN
fsr-3161	71	20	and	and	CCONJ
fsr-3161	71	21	children	child	NOUN
fsr-3161	71	22	and	and	CCONJ
fsr-3161	71	23	that	that	SCONJ
fsr-3161	71	24	the	the	DET
fsr-3161	71	25	correlation	correlation	NOUN
fsr-3161	71	26	is	be	AUX
fsr-3161	71	27	more	more	ADJ
fsr-3161	71	28	than	than	ADP
fsr-3161	71	29	that	that	PRON
fsr-3161	71	30	which	which	PRON
fsr-3161	71	31	can	can	AUX
fsr-3161	71	32	be	be	AUX
fsr-3161	71	33	explained	explain	VERB
fsr-3161	71	34	by	by	ADP
fsr-3161	71	35	intergenerational	intergenerational	ADJ
fsr-3161	71	36	transfers	transfer	NOUN
fsr-3161	71	37	(	(	PUNCT
fsr-3161	71	38	chiteji	chiteji	NOUN
fsr-3161	71	39	&	&	CCONJ
fsr-3161	71	40	stafford	stafford	PROPN
fsr-3161	71	41	,	,	PUNCT
fsr-3161	71	42	2000	2000	NUM
fsr-3161	71	43	)	)	PUNCT
fsr-3161	71	44	.	.	PUNCT
fsr-3161	72	1	using	use	VERB
fsr-3161	72	2	the	the	DET
fsr-3161	72	3	same	same	ADJ
fsr-3161	72	4	panel	panel	NOUN
fsr-3161	72	5	study	study	NOUN
fsr-3161	72	6	of	of	ADP
fsr-3161	72	7	income	income	NOUN
fsr-3161	72	8	dynamics	dynamic	NOUN
fsr-3161	72	9	(	(	PUNCT
fsr-3161	72	10	psid	psid	ADJ
fsr-3161	72	11	)	)	PUNCT
fsr-3161	72	12	data	datum	NOUN
fsr-3161	72	13	,	,	PUNCT
fsr-3161	72	14	charles	charles	PROPN
fsr-3161	72	15	and	and	CCONJ
fsr-3161	72	16	hurst	hurst	PROPN
fsr-3161	72	17	find	find	VERB
fsr-3161	72	18	persistence	persistence	NOUN
fsr-3161	72	19	in	in	ADP
fsr-3161	72	20	intergenerational	intergenerational	ADJ
fsr-3161	72	21	wealth	wealth	NOUN
fsr-3161	72	22	that	that	PRON
fsr-3161	72	23	also	also	ADV
fsr-3161	72	24	transcends	transcend	VERB
fsr-3161	72	25	mere	mere	ADJ
fsr-3161	72	26	income	income	NOUN
fsr-3161	72	27	and	and	CCONJ
fsr-3161	72	28	education	education	NOUN
fsr-3161	72	29	measures	measure	NOUN
fsr-3161	72	30	.	.	PUNCT
fsr-3161	73	1	parents	parent	NOUN
fsr-3161	73	2	and	and	CCONJ
fsr-3161	73	3	children	child	NOUN
fsr-3161	73	4	tend	tend	VERB
fsr-3161	73	5	to	to	PART
fsr-3161	73	6	hold	hold	VERB
fsr-3161	73	7	similar	similar	ADJ
fsr-3161	73	8	assets	asset	NOUN
fsr-3161	73	9	,	,	PUNCT
fsr-3161	73	10	even	even	ADV
fsr-3161	73	11	after	after	ADP
fsr-3161	73	12	controlling	control	VERB
fsr-3161	73	13	for	for	ADP
fsr-3161	73	14	risk	risk	NOUN
fsr-3161	73	15	tolerance	tolerance	NOUN
fsr-3161	73	16	variables	variable	NOUN
fsr-3161	73	17	.	.	PUNCT
fsr-3161	74	1	they	they	PRON
fsr-3161	74	2	suggest	suggest	VERB
fsr-3161	74	3	that	that	SCONJ
fsr-3161	74	4	the	the	DET
fsr-3161	74	5	explanation	explanation	NOUN
fsr-3161	74	6	lies	lie	VERB
fsr-3161	74	7	in	in	ADP
fsr-3161	74	8	the	the	DET
fsr-3161	74	9	idea	idea	NOUN
fsr-3161	74	10	of	of	ADP
fsr-3161	74	11	children	child	NOUN
fsr-3161	74	12	learning	learn	VERB
fsr-3161	74	13	about	about	ADP
fsr-3161	74	14	financial	financial	ADJ
fsr-3161	74	15	market	market	NOUN
fsr-3161	74	16	participation	participation	NOUN
fsr-3161	74	17	from	from	ADP
fsr-3161	74	18	their	their	PRON
fsr-3161	74	19	parents	parent	NOUN
fsr-3161	74	20	(	(	PUNCT
fsr-3161	74	21	charles	charles	PROPN
fsr-3161	74	22	&	&	CCONJ
fsr-3161	74	23	hurst	hurst	PROPN
fsr-3161	74	24	,	,	PUNCT
fsr-3161	74	25	2002	2002	NUM
fsr-3161	74	26	)	)	PUNCT
fsr-3161	74	27	.	.	PUNCT
fsr-3161	75	1	while	while	SCONJ
fsr-3161	75	2	we	we	PRON
fsr-3161	75	3	tend	tend	VERB
fsr-3161	75	4	to	to	PART
fsr-3161	75	5	perceive	perceive	VERB
fsr-3161	75	6	the	the	DET
fsr-3161	75	7	flow	flow	NOUN
fsr-3161	75	8	of	of	ADP
fsr-3161	75	9	knowledge	knowledge	NOUN
fsr-3161	75	10	,	,	PUNCT
fsr-3161	75	11	behavioral	behavioral	ADJ
fsr-3161	75	12	traits	trait	NOUN
fsr-3161	75	13	,	,	PUNCT
fsr-3161	75	14	and	and	CCONJ
fsr-3161	75	15	economic	economic	ADJ
fsr-3161	75	16	outcomes	outcome	NOUN
fsr-3161	75	17	like	like	ADP
fsr-3161	75	18	income	income	NOUN
fsr-3161	75	19	volatility	volatility	NOUN
fsr-3161	75	20	(	(	PUNCT
fsr-3161	75	21	shore	shore	NOUN
fsr-3161	75	22	,	,	PUNCT
fsr-3161	75	23	2011	2011	NUM
fsr-3161	75	24	)	)	PUNCT
fsr-3161	75	25	as	as	ADP
fsr-3161	75	26	passing	pass	VERB
fsr-3161	75	27	directionally	directionally	ADV
fsr-3161	75	28	from	from	ADP
fsr-3161	75	29	parents	parent	NOUN
fsr-3161	75	30	to	to	ADP
fsr-3161	75	31	children	child	NOUN
fsr-3161	75	32	,	,	PUNCT
fsr-3161	75	33	the	the	DET
fsr-3161	75	34	advent	advent	NOUN
fsr-3161	75	35	of	of	ADP
fsr-3161	75	36	children	child	NOUN
fsr-3161	75	37	in	in	ADP
fsr-3161	75	38	a	a	DET
fsr-3161	75	39	household	household	NOUN
fsr-3161	75	40	indubitably	indubitably	ADV
fsr-3161	75	41	changes	change	VERB
fsr-3161	75	42	that	that	SCONJ
fsr-3161	75	43	household	household	NOUN
fsr-3161	75	44	’s	’s	PART
fsr-3161	75	45	economic	economic	ADJ
fsr-3161	75	46	behavior	behavior	NOUN
fsr-3161	75	47	.	.	PUNCT
fsr-3161	76	1	for	for	ADP
fsr-3161	76	2	example	example	NOUN
fsr-3161	76	3	,	,	PUNCT
fsr-3161	76	4	love	love	NOUN
fsr-3161	76	5	(	(	PUNCT
fsr-3161	76	6	2010	2010	NUM
fsr-3161	76	7	)	)	PUNCT
fsr-3161	76	8	finds	find	VERB
fsr-3161	76	9	the	the	DET
fsr-3161	76	10	number	number	NOUN
fsr-3161	76	11	of	of	ADP
fsr-3161	76	12	children	child	NOUN
fsr-3161	76	13	living	live	VERB
fsr-3161	76	14	in	in	ADP
fsr-3161	76	15	a	a	DET
fsr-3161	76	16	household	household	NOUN
fsr-3161	76	17	reduces	reduce	VERB
fsr-3161	76	18	the	the	DET
fsr-3161	76	19	share	share	NOUN
fsr-3161	76	20	of	of	ADP
fsr-3161	76	21	risky	risky	ADJ
fsr-3161	76	22	assets	asset	NOUN
fsr-3161	76	23	in	in	ADP
fsr-3161	76	24	the	the	DET
fsr-3161	76	25	household	household	NOUN
fsr-3161	76	26	’s	’s	PART
fsr-3161	76	27	portfolio	portfolio	NOUN
fsr-3161	76	28	.	.	PUNCT
fsr-3161	77	1	we	we	PRON
fsr-3161	77	2	will	will	AUX
fsr-3161	77	3	attempt	attempt	VERB
fsr-3161	77	4	to	to	PART
fsr-3161	77	5	observe	observe	VERB
fsr-3161	77	6	familial	familial	ADJ
fsr-3161	77	7	effects	effect	NOUN
fsr-3161	77	8	on	on	ADP
fsr-3161	77	9	retirement	retirement	NOUN
fsr-3161	77	10	savings	saving	NOUN
fsr-3161	77	11	from	from	ADP
fsr-3161	77	12	both	both	DET
fsr-3161	77	13	directions	direction	NOUN
fsr-3161	77	14	—	—	PUNCT
fsr-3161	77	15	the	the	DET
fsr-3161	77	16	modeled	model	VERB
fsr-3161	77	17	behavior	behavior	NOUN
fsr-3161	77	18	of	of	ADP
fsr-3161	77	19	the	the	DET
fsr-3161	77	20	saver	saver	NOUN
fsr-3161	77	21	’s	’s	PART
fsr-3161	77	22	parents	parent	NOUN
fsr-3161	77	23	and	and	CCONJ
fsr-3161	77	24	the	the	DET
fsr-3161	77	25	presence	presence	NOUN
fsr-3161	77	26	of	of	ADP
fsr-3161	77	27	children	child	NOUN
fsr-3161	77	28	in	in	ADP
fsr-3161	77	29	the	the	DET
fsr-3161	77	30	saver	saver	NOUN
fsr-3161	77	31	’s	’s	PART
fsr-3161	77	32	household	household	NOUN
fsr-3161	77	33	.	.	PUNCT
fsr-3161	78	1	we	we	PRON
fsr-3161	78	2	will	will	AUX
fsr-3161	78	3	also	also	ADV
fsr-3161	78	4	add	add	VERB
fsr-3161	78	5	variables	variable	NOUN
fsr-3161	78	6	representing	represent	VERB
fsr-3161	78	7	charitable	charitable	ADJ
fsr-3161	78	8	giving	giving	NOUN
fsr-3161	78	9	and	and	CCONJ
fsr-3161	78	10	health	health	NOUN
fsr-3161	78	11	status	status	NOUN
fsr-3161	78	12	to	to	PART
fsr-3161	78	13	test	test	VERB
fsr-3161	78	14	the	the	DET
fsr-3161	78	15	potential	potential	ADJ
fsr-3161	78	16	effects	effect	NOUN
fsr-3161	78	17	of	of	ADP
fsr-3161	78	18	altruism	altruism	NOUN
fsr-3161	78	19	and	and	CCONJ
fsr-3161	78	20	health	health	NOUN
fsr-3161	78	21	on	on	ADP
fsr-3161	78	22	retirement	retirement	NOUN
fsr-3161	78	23	savings	saving	NOUN
fsr-3161	78	24	decisions	decision	NOUN
fsr-3161	78	25	.	.	PUNCT
fsr-3161	79	1	2.1	2.1	NUM
fsr-3161	79	2	.	.	PUNCT
fsr-3161	80	1	psid	psid	PROPN
fsr-3161	80	2	data	datum	NOUN
fsr-3161	80	3	our	our	PRON
fsr-3161	80	4	dataset	dataset	NOUN
fsr-3161	80	5	is	be	AUX
fsr-3161	80	6	drawn	draw	VERB
fsr-3161	80	7	from	from	ADP
fsr-3161	80	8	the	the	DET
fsr-3161	80	9	university	university	PROPN
fsr-3161	80	10	of	of	ADP
fsr-3161	80	11	michigan	michigan	PROPN
fsr-3161	80	12	’s	’s	PART
fsr-3161	80	13	panel	panel	NOUN
fsr-3161	80	14	study	study	NOUN
fsr-3161	80	15	of	of	ADP
fsr-3161	80	16	income	income	NOUN
fsr-3161	80	17	dynamics	dynamic	NOUN
fsr-3161	80	18	.	.	PUNCT
fsr-3161	81	1	periodically	periodically	ADV
fsr-3161	81	2	,	,	PUNCT
fsr-3161	81	3	this	this	DET
fsr-3161	81	4	study	study	NOUN
fsr-3161	81	5	includes	include	VERB
fsr-3161	81	6	a	a	DET
fsr-3161	81	7	special	special	ADJ
fsr-3161	81	8	module	module	NOUN
fsr-3161	81	9	to	to	PART
fsr-3161	81	10	gather	gather	VERB
fsr-3161	81	11	general	general	ADJ
fsr-3161	81	12	wealth	wealth	NOUN
fsr-3161	81	13	254	254	NUM
fsr-3161	81	14	b.	b.	PROPN
fsr-3161	81	15	t.	t.	PROPN
fsr-3161	81	16	starr	starr	PROPN
fsr-3161	81	17	/	/	SYM
fsr-3161	81	18	financial	financial	ADJ
fsr-3161	81	19	services	service	NOUN
fsr-3161	81	20	review	review	VERB
fsr-3161	81	21	30	30	NUM
fsr-3161	81	22	(	(	PUNCT
fsr-3161	81	23	2022	2022	NUM
fsr-3161	81	24	)	)	PUNCT
fsr-3161	81	25	251–271	251–271	NUM
fsr-3161	81	26	information	information	NOUN
fsr-3161	81	27	,	,	PUNCT
fsr-3161	81	28	including	include	VERB
fsr-3161	81	29	retirement	retirement	NOUN
fsr-3161	81	30	savings	saving	NOUN
fsr-3161	81	31	data	datum	NOUN
fsr-3161	81	32	.	.	PUNCT
fsr-3161	82	1	this	this	DET
fsr-3161	82	2	paper	paper	NOUN
fsr-3161	82	3	analyzes	analyze	VERB
fsr-3161	82	4	data	datum	NOUN
fsr-3161	82	5	from	from	ADP
fsr-3161	82	6	the	the	DET
fsr-3161	82	7	1989	1989	NUM
fsr-3161	82	8	and	and	CCONJ
fsr-3161	82	9	2019	2019	NUM
fsr-3161	82	10	waves	wave	NOUN
fsr-3161	82	11	that	that	PRON
fsr-3161	82	12	have	have	VERB
fsr-3161	82	13	some	some	DET
fsr-3161	82	14	detailed	detailed	ADJ
fsr-3161	82	15	pension	pension	NOUN
fsr-3161	82	16	-	-	PUNCT
fsr-3161	82	17	related	relate	VERB
fsr-3161	82	18	data	datum	NOUN
fsr-3161	82	19	points	point	NOUN
fsr-3161	82	20	associated	associate	VERB
fsr-3161	82	21	.	.	PUNCT
fsr-3161	83	1	the	the	DET
fsr-3161	83	2	purpose	purpose	NOUN
fsr-3161	83	3	of	of	ADP
fsr-3161	83	4	using	use	VERB
fsr-3161	83	5	psid	psid	ADJ
fsr-3161	83	6	data	datum	NOUN
fsr-3161	83	7	instead	instead	ADV
fsr-3161	83	8	of	of	ADP
fsr-3161	83	9	a	a	DET
fsr-3161	83	10	dataset	dataset	NOUN
fsr-3161	83	11	more	more	ADV
fsr-3161	83	12	keenly	keenly	ADV
fsr-3161	83	13	focused	focus	VERB
fsr-3161	83	14	on	on	ADP
fsr-3161	83	15	retirement	retirement	NOUN
fsr-3161	83	16	savings	saving	NOUN
fsr-3161	83	17	is	be	AUX
fsr-3161	83	18	to	to	PART
fsr-3161	83	19	enable	enable	VERB
fsr-3161	83	20	an	an	DET
fsr-3161	83	21	analysis	analysis	NOUN
fsr-3161	83	22	of	of	ADP
fsr-3161	83	23	factors	factor	NOUN
fsr-3161	83	24	beyond	beyond	ADP
fsr-3161	83	25	those	those	PRON
fsr-3161	83	26	typically	typically	ADV
fsr-3161	83	27	encompassed	encompass	VERB
fsr-3161	83	28	in	in	ADP
fsr-3161	83	29	surveys	survey	NOUN
fsr-3161	83	30	specific	specific	ADJ
fsr-3161	83	31	to	to	ADP
fsr-3161	83	32	retirement	retirement	NOUN
fsr-3161	83	33	and	and	CCONJ
fsr-3161	83	34	to	to	PART
fsr-3161	83	35	analyze	analyze	VERB
fsr-3161	83	36	intergenerational	intergenerational	ADJ
fsr-3161	83	37	effects	effect	NOUN
fsr-3161	83	38	.	.	PUNCT
fsr-3161	84	1	by	by	ADP
fsr-3161	84	2	using	use	VERB
fsr-3161	84	3	the	the	DET
fsr-3161	84	4	psid	psid	ADJ
fsr-3161	84	5	data	datum	NOUN
fsr-3161	84	6	,	,	PUNCT
fsr-3161	84	7	we	we	PRON
fsr-3161	84	8	can	can	AUX
fsr-3161	84	9	observe	observe	VERB
fsr-3161	84	10	the	the	DET
fsr-3161	84	11	retirement	retirement	NOUN
fsr-3161	84	12	savings	saving	NOUN
fsr-3161	84	13	behavior	behavior	NOUN
fsr-3161	84	14	of	of	ADP
fsr-3161	84	15	parents	parent	NOUN
fsr-3161	84	16	in	in	ADP
fsr-3161	84	17	1989	1989	NUM
fsr-3161	84	18	and	and	CCONJ
fsr-3161	84	19	compare	compare	VERB
fsr-3161	84	20	it	it	PRON
fsr-3161	84	21	to	to	ADP
fsr-3161	84	22	that	that	PRON
fsr-3161	84	23	of	of	ADP
fsr-3161	84	24	their	their	PRON
fsr-3161	84	25	adult	adult	NOUN
fsr-3161	84	26	children	child	NOUN
fsr-3161	84	27	in	in	ADP
fsr-3161	84	28	2019	2019	NUM
fsr-3161	84	29	.	.	PUNCT
fsr-3161	85	1	our	our	PRON
fsr-3161	85	2	first	first	ADJ
fsr-3161	85	3	set	set	NOUN
fsr-3161	85	4	of	of	ADP
fsr-3161	85	5	observations	observation	NOUN
fsr-3161	85	6	,	,	PUNCT
fsr-3161	85	7	however	however	ADV
fsr-3161	85	8	,	,	PUNCT
fsr-3161	85	9	will	will	AUX
fsr-3161	85	10	not	not	PART
fsr-3161	85	11	yet	yet	ADV
fsr-3161	85	12	incorporate	incorporate	VERB
fsr-3161	85	13	intergenerational	intergenerational	ADJ
fsr-3161	85	14	effects	effect	NOUN
fsr-3161	85	15	and	and	CCONJ
fsr-3161	85	16	will	will	AUX
fsr-3161	85	17	simply	simply	ADV
fsr-3161	85	18	focus	focus	VERB
fsr-3161	85	19	on	on	ADP
fsr-3161	85	20	data	datum	NOUN
fsr-3161	85	21	from	from	ADP
fsr-3161	85	22	the	the	DET
fsr-3161	85	23	2019	2019	NUM
fsr-3161	85	24	wave	wave	NOUN
fsr-3161	85	25	.	.	PUNCT
fsr-3161	86	1	the	the	DET
fsr-3161	86	2	reason	reason	NOUN
fsr-3161	86	3	for	for	ADP
fsr-3161	86	4	this	this	PRON
fsr-3161	86	5	is	be	AUX
fsr-3161	86	6	straightforward	straightforward	ADJ
fsr-3161	86	7	—	—	PUNCT
fsr-3161	86	8	by	by	ADP
fsr-3161	86	9	doing	do	VERB
fsr-3161	86	10	so	so	ADV
fsr-3161	86	11	we	we	PRON
fsr-3161	86	12	can	can	AUX
fsr-3161	86	13	work	work	VERB
fsr-3161	86	14	with	with	ADP
fsr-3161	86	15	a	a	DET
fsr-3161	86	16	larger	large	ADJ
fsr-3161	86	17	sample	sample	NOUN
fsr-3161	86	18	size	size	NOUN
fsr-3161	86	19	.	.	PUNCT
fsr-3161	87	1	the	the	DET
fsr-3161	87	2	analysis	analysis	NOUN
fsr-3161	87	3	throughout	throughout	ADV
fsr-3161	87	4	will	will	AUX
fsr-3161	87	5	focus	focus	VERB
fsr-3161	87	6	on	on	ADP
fsr-3161	87	7	heads	head	NOUN
fsr-3161	87	8	of	of	ADP
fsr-3161	87	9	households	household	NOUN
fsr-3161	87	10	and	and	CCONJ
fsr-3161	87	11	will	will	AUX
fsr-3161	87	12	exclude	exclude	VERB
fsr-3161	87	13	those	those	PRON
fsr-3161	87	14	over	over	ADP
fsr-3161	87	15	the	the	DET
fsr-3161	87	16	age	age	NOUN
fsr-3161	87	17	of	of	ADP
fsr-3161	87	18	67	67	NUM
fsr-3161	87	19	.	.	PUNCT
fsr-3161	88	1	once	once	SCONJ
fsr-3161	88	2	we	we	PRON
fsr-3161	88	3	begin	begin	VERB
fsr-3161	88	4	analyzing	analyze	VERB
fsr-3161	88	5	intergenerational	intergenerational	ADJ
fsr-3161	88	6	effects	effect	NOUN
fsr-3161	88	7	,	,	PUNCT
fsr-3161	88	8	we	we	PRON
fsr-3161	88	9	will	will	AUX
fsr-3161	88	10	only	only	ADV
fsr-3161	88	11	be	be	AUX
fsr-3161	88	12	able	able	ADJ
fsr-3161	88	13	to	to	PART
fsr-3161	88	14	include	include	VERB
fsr-3161	88	15	2019	2019	NUM
fsr-3161	88	16	observations	observation	NOUN
fsr-3161	88	17	for	for	ADP
fsr-3161	88	18	those	those	DET
fsr-3161	88	19	heads	head	NOUN
fsr-3161	88	20	of	of	ADP
fsr-3161	88	21	households	household	NOUN
fsr-3161	88	22	who	who	PRON
fsr-3161	88	23	are	be	AUX
fsr-3161	88	24	children	child	NOUN
fsr-3161	88	25	of	of	ADP
fsr-3161	88	26	a	a	DET
fsr-3161	88	27	head	head	NOUN
fsr-3161	88	28	of	of	ADP
fsr-3161	88	29	household	household	NOUN
fsr-3161	88	30	responding	respond	VERB
fsr-3161	88	31	to	to	ADP
fsr-3161	88	32	the	the	DET
fsr-3161	88	33	1989	1989	NUM
fsr-3161	88	34	wave	wave	NOUN
fsr-3161	88	35	,	,	PUNCT
fsr-3161	88	36	reducing	reduce	VERB
fsr-3161	88	37	the	the	DET
fsr-3161	88	38	number	number	NOUN
fsr-3161	88	39	of	of	ADP
fsr-3161	88	40	observations	observation	NOUN
fsr-3161	88	41	with	with	ADP
fsr-3161	88	42	which	which	PRON
fsr-3161	88	43	we	we	PRON
fsr-3161	88	44	can	can	AUX
fsr-3161	88	45	work	work	VERB
fsr-3161	88	46	.	.	PUNCT
fsr-3161	89	1	on	on	ADP
fsr-3161	89	2	a	a	DET
fsr-3161	89	3	smaller	small	ADJ
fsr-3161	89	4	scale	scale	NOUN
fsr-3161	89	5	,	,	PUNCT
fsr-3161	89	6	even	even	ADV
fsr-3161	89	7	working	work	VERB
fsr-3161	89	8	within	within	ADP
fsr-3161	89	9	the	the	DET
fsr-3161	89	10	2019	2019	NUM
fsr-3161	89	11	wave	wave	NOUN
fsr-3161	89	12	itself	itself	PRON
fsr-3161	89	13	,	,	PUNCT
fsr-3161	89	14	our	our	PRON
fsr-3161	89	15	sample	sample	NOUN
fsr-3161	89	16	size	size	NOUN
fsr-3161	89	17	will	will	AUX
fsr-3161	89	18	vary	vary	VERB
fsr-3161	89	19	from	from	ADP
fsr-3161	89	20	one	one	NUM
fsr-3161	89	21	exercise	exercise	NOUN
fsr-3161	89	22	to	to	ADP
fsr-3161	89	23	the	the	DET
fsr-3161	89	24	next	next	ADJ
fsr-3161	89	25	depending	depend	VERB
fsr-3161	89	26	on	on	ADP
fsr-3161	89	27	whether	whether	SCONJ
fsr-3161	89	28	the	the	DET
fsr-3161	89	29	participant	participant	NOUN
fsr-3161	89	30	elected	elect	VERB
fsr-3161	89	31	to	to	PART
fsr-3161	89	32	answer	answer	VERB
fsr-3161	89	33	specific	specific	ADJ
fsr-3161	89	34	questions	question	NOUN
fsr-3161	89	35	at	at	ADP
fsr-3161	89	36	hand	hand	NOUN
fsr-3161	89	37	.	.	PUNCT
fsr-3161	90	1	for	for	ADP
fsr-3161	90	2	example	example	NOUN
fsr-3161	90	3	,	,	PUNCT
fsr-3161	90	4	participants	participant	NOUN
fsr-3161	90	5	who	who	PRON
fsr-3161	90	6	responded	respond	VERB
fsr-3161	90	7	that	that	SCONJ
fsr-3161	90	8	they	they	PRON
fsr-3161	90	9	were	be	AUX
fsr-3161	90	10	covered	cover	VERB
fsr-3161	90	11	by	by	ADP
fsr-3161	90	12	a	a	DET
fsr-3161	90	13	pension	pension	NOUN
fsr-3161	90	14	plan	plan	NOUN
fsr-3161	90	15	at	at	ADP
fsr-3161	90	16	work	work	NOUN
fsr-3161	90	17	but	but	CCONJ
fsr-3161	90	18	answered	answer	VERB
fsr-3161	90	19	that	that	SCONJ
fsr-3161	90	20	they	they	PRON
fsr-3161	90	21	did	do	AUX
fsr-3161	90	22	not	not	PART
fsr-3161	90	23	know	know	VERB
fsr-3161	90	24	how	how	SCONJ
fsr-3161	90	25	much	much	ADJ
fsr-3161	90	26	money	money	NOUN
fsr-3161	90	27	they	they	PRON
fsr-3161	90	28	had	have	VERB
fsr-3161	90	29	in	in	ADP
fsr-3161	90	30	the	the	DET
fsr-3161	90	31	plan	plan	NOUN
fsr-3161	90	32	would	would	AUX
fsr-3161	90	33	be	be	AUX
fsr-3161	90	34	counted	count	VERB
fsr-3161	90	35	in	in	ADP
fsr-3161	90	36	our	our	PRON
fsr-3161	90	37	probit	probit	NOUN
fsr-3161	90	38	analysis	analysis	NOUN
fsr-3161	90	39	(	(	PUNCT
fsr-3161	90	40	as	as	ADP
fsr-3161	90	41	saving	save	VERB
fsr-3161	90	42	for	for	ADP
fsr-3161	90	43	retirement	retirement	NOUN
fsr-3161	90	44	)	)	PUNCT
fsr-3161	90	45	but	but	CCONJ
fsr-3161	90	46	not	not	PART
fsr-3161	90	47	in	in	ADP
fsr-3161	90	48	our	our	PRON
fsr-3161	90	49	ordinary	ordinary	ADJ
fsr-3161	90	50	least	least	ADJ
fsr-3161	90	51	squares	square	NOUN
fsr-3161	90	52	(	(	PUNCT
fsr-3161	90	53	ols	ol	NOUN
fsr-3161	90	54	)	)	PUNCT
fsr-3161	90	55	regression	regression	NOUN
fsr-3161	90	56	in	in	ADP
fsr-3161	90	57	which	which	PRON
fsr-3161	90	58	we	we	PRON
fsr-3161	90	59	analyze	analyze	VERB
fsr-3161	90	60	accumulation	accumulation	NOUN
fsr-3161	90	61	.	.	PUNCT
fsr-3161	91	1	we	we	PRON
fsr-3161	91	2	will	will	AUX
fsr-3161	91	3	examine	examine	VERB
fsr-3161	91	4	retirement	retirement	NOUN
fsr-3161	91	5	plan	plan	NOUN
fsr-3161	91	6	participation	participation	NOUN
fsr-3161	91	7	in	in	ADP
fsr-3161	91	8	two	two	NUM
fsr-3161	91	9	ways	way	NOUN
fsr-3161	91	10	.	.	PUNCT
fsr-3161	92	1	in	in	ADP
fsr-3161	92	2	the	the	DET
fsr-3161	92	3	simplest	simple	ADJ
fsr-3161	92	4	form	form	NOUN
fsr-3161	92	5	,	,	PUNCT
fsr-3161	92	6	we	we	PRON
fsr-3161	92	7	will	will	AUX
fsr-3161	92	8	simply	simply	ADV
fsr-3161	92	9	observe	observe	VERB
fsr-3161	92	10	whether	whether	SCONJ
fsr-3161	92	11	the	the	DET
fsr-3161	92	12	household	household	NOUN
fsr-3161	92	13	is	be	AUX
fsr-3161	92	14	actively	actively	ADV
fsr-3161	92	15	saving	save	VERB
fsr-3161	92	16	for	for	ADP
fsr-3161	92	17	retirement	retirement	NOUN
fsr-3161	92	18	.	.	PUNCT
fsr-3161	93	1	we	we	PRON
fsr-3161	93	2	will	will	AUX
fsr-3161	93	3	not	not	PART
fsr-3161	93	4	differentiate	differentiate	VERB
fsr-3161	93	5	between	between	ADP
fsr-3161	93	6	saving	save	VERB
fsr-3161	93	7	by	by	ADP
fsr-3161	93	8	the	the	DET
fsr-3161	93	9	head	head	NOUN
fsr-3161	93	10	of	of	ADP
fsr-3161	93	11	household	household	NOUN
fsr-3161	93	12	or	or	CCONJ
fsr-3161	93	13	by	by	ADP
fsr-3161	93	14	the	the	DET
fsr-3161	93	15	spouse	spouse	NOUN
fsr-3161	93	16	—	—	PUNCT
fsr-3161	93	17	saving	save	VERB
fsr-3161	93	18	by	by	ADP
fsr-3161	93	19	either	either	PRON
fsr-3161	93	20	or	or	CCONJ
fsr-3161	93	21	both	both	PRON
fsr-3161	93	22	are	be	AUX
fsr-3161	93	23	equally	equally	ADV
fsr-3161	93	24	valid	valid	ADJ
fsr-3161	93	25	.	.	PUNCT
fsr-3161	94	1	the	the	DET
fsr-3161	94	2	presence	presence	NOUN
fsr-3161	94	3	of	of	ADP
fsr-3161	94	4	a	a	DET
fsr-3161	94	5	positive	positive	ADJ
fsr-3161	94	6	ira	ira	NOUN
fsr-3161	94	7	or	or	CCONJ
fsr-3161	94	8	other	other	ADJ
fsr-3161	94	9	retirement	retirement	NOUN
fsr-3161	94	10	plan	plan	NOUN
fsr-3161	94	11	balance	balance	NOUN
fsr-3161	94	12	,	,	PUNCT
fsr-3161	94	13	or	or	CCONJ
fsr-3161	94	14	the	the	DET
fsr-3161	94	15	contribution	contribution	NOUN
fsr-3161	94	16	to	to	ADP
fsr-3161	94	17	a	a	DET
fsr-3161	94	18	retirement	retirement	NOUN
fsr-3161	94	19	account	account	NOUN
fsr-3161	94	20	within	within	ADP
fsr-3161	94	21	the	the	DET
fsr-3161	94	22	past	past	ADJ
fsr-3161	94	23	five	five	NUM
fsr-3161	94	24	years	year	NOUN
fsr-3161	94	25	will	will	AUX
fsr-3161	94	26	result	result	VERB
fsr-3161	94	27	in	in	ADP
fsr-3161	94	28	a	a	DET
fsr-3161	94	29	household	household	NOUN
fsr-3161	94	30	being	be	AUX
fsr-3161	94	31	classified	classify	VERB
fsr-3161	94	32	as	as	ADP
fsr-3161	94	33	saving	save	VERB
fsr-3161	94	34	for	for	ADP
fsr-3161	94	35	retirement	retirement	NOUN
fsr-3161	94	36	.	.	PUNCT
fsr-3161	95	1	otherwise	otherwise	ADV
fsr-3161	95	2	,	,	PUNCT
fsr-3161	95	3	the	the	DET
fsr-3161	95	4	household	household	NOUN
fsr-3161	95	5	is	be	AUX
fsr-3161	95	6	coded	code	VERB
fsr-3161	95	7	as	as	ADP
fsr-3161	95	8	not	not	PART
fsr-3161	95	9	saving	save	VERB
fsr-3161	95	10	for	for	ADP
fsr-3161	95	11	retirement	retirement	NOUN
fsr-3161	95	12	.	.	PUNCT
fsr-3161	96	1	armed	arm	VERB
fsr-3161	96	2	with	with	ADP
fsr-3161	96	3	this	this	DET
fsr-3161	96	4	binary	binary	ADJ
fsr-3161	96	5	classification	classification	NOUN
fsr-3161	96	6	,	,	PUNCT
fsr-3161	96	7	we	we	PRON
fsr-3161	96	8	can	can	AUX
fsr-3161	96	9	analyze	analyze	VERB
fsr-3161	96	10	the	the	DET
fsr-3161	96	11	data	datum	NOUN
fsr-3161	96	12	with	with	ADP
fsr-3161	96	13	a	a	DET
fsr-3161	96	14	standard	standard	ADJ
fsr-3161	96	15	probit	probit	NOUN
fsr-3161	96	16	,	,	PUNCT
fsr-3161	96	17	according	accord	VERB
fsr-3161	96	18	to	to	ADP
fsr-3161	96	19	the	the	DET
fsr-3161	96	20	equation	equation	NOUN
fsr-3161	96	21	:	:	PUNCT
fsr-3161	97	1	prob	prob	NOUN
fsr-3161	97	2	saving	save	VERB
fsr-3161	97	3	for	for	ADP
fsr-3161	97	4	retirement	retirement	NOUN
fsr-3161	97	5	1ð	1ð	PROPN
fsr-3161	97	6	þ	þ	PROPN
fsr-3161	97	7	¼	¼	NOUN
fsr-3161	97	8	u	u	NOUN
fsr-3161	97	9	xx	xx	NUM
fsr-3161	97	10	b	b	PROPN
fsr-3161	97	11	s	s	PROPN
fsr-3161	97	12	�	�	PROPN
fsr-3161	97	13	�	�	PROPN
fsr-3161	97	14	(	(	PUNCT
fsr-3161	97	15	1	1	NUM
fsr-3161	97	16	)	)	PUNCT
fsr-3161	97	17	in	in	ADP
fsr-3161	97	18	eq	eq	ADP
fsr-3161	97	19	.	.	PUNCT
fsr-3161	97	20	(	(	PUNCT
fsr-3161	97	21	1	1	NUM
fsr-3161	97	22	)	)	PUNCT
fsr-3161	97	23	,	,	PUNCT
fsr-3161	97	24	xx	xx	NUM
fsr-3161	97	25	is	be	AUX
fsr-3161	97	26	our	our	PRON
fsr-3161	97	27	vector	vector	NOUN
fsr-3161	97	28	of	of	ADP
fsr-3161	97	29	independent	independent	ADJ
fsr-3161	97	30	variables	variable	NOUN
fsr-3161	97	31	explaining	explain	VERB
fsr-3161	97	32	the	the	DET
fsr-3161	97	33	decision	decision	NOUN
fsr-3161	97	34	of	of	ADP
fsr-3161	97	35	whether	whether	SCONJ
fsr-3161	97	36	to	to	PART
fsr-3161	97	37	save	save	VERB
fsr-3161	97	38	for	for	ADP
fsr-3161	97	39	retirement	retirement	NOUN
fsr-3161	97	40	,	,	PUNCT
fsr-3161	97	41	exclusive	exclusive	ADJ
fsr-3161	97	42	of	of	ADP
fsr-3161	97	43	the	the	DET
fsr-3161	97	44	family	family	NOUN
fsr-3161	97	45	of	of	ADP
fsr-3161	97	46	origin	origin	NOUN
fsr-3161	97	47	effects	effect	NOUN
fsr-3161	97	48	.	.	PUNCT
fsr-3161	98	1	later	later	ADV
fsr-3161	98	2	,	,	PUNCT
fsr-3161	98	3	we	we	PRON
fsr-3161	98	4	will	will	AUX
fsr-3161	98	5	simply	simply	ADV
fsr-3161	98	6	modify	modify	VERB
fsr-3161	98	7	eq	eq	ADP
fsr-3161	98	8	.	.	PUNCT
fsr-3161	99	1	(	(	PUNCT
fsr-3161	99	2	1	1	X
fsr-3161	99	3	)	)	PUNCT
fsr-3161	99	4	such	such	ADJ
fsr-3161	99	5	that	that	SCONJ
fsr-3161	99	6	:	:	PUNCT
fsr-3161	100	1	prob	prob	NOUN
fsr-3161	100	2	saving	save	VERB
fsr-3161	100	3	for	for	ADP
fsr-3161	100	4	retirement	retirement	NOUN
fsr-3161	100	5	1ð	1ð	PROPN
fsr-3161	100	6	þ	þ	PROPN
fsr-3161	100	7	¼	¼	NOUN
fsr-3161	100	8	u	u	NOUN
fsr-3161	100	9	xi	xi	PROPN
fsr-3161	100	10	b	b	PROPN
fsr-3161	100	11	s	s	PROPN
fsr-3161	100	12	�	�	PROPN
fsr-3161	100	13	�	�	PROPN
fsr-3161	100	14	(	(	PUNCT
fsr-3161	100	15	2	2	NUM
fsr-3161	100	16	)	)	PUNCT
fsr-3161	100	17	in	in	ADP
fsr-3161	100	18	eq	eq	ADP
fsr-3161	100	19	.	.	PUNCT
fsr-3161	100	20	(	(	PUNCT
fsr-3161	100	21	2	2	NUM
fsr-3161	100	22	)	)	PUNCT
fsr-3161	100	23	,	,	PUNCT
fsr-3161	100	24	xi	xi	X
fsr-3161	100	25	is	be	AUX
fsr-3161	100	26	our	our	PRON
fsr-3161	100	27	vector	vector	NOUN
fsr-3161	100	28	of	of	ADP
fsr-3161	100	29	independent	independent	ADJ
fsr-3161	100	30	variables	variable	NOUN
fsr-3161	100	31	explaining	explain	VERB
fsr-3161	100	32	the	the	DET
fsr-3161	100	33	decision	decision	NOUN
fsr-3161	100	34	to	to	PART
fsr-3161	100	35	save	save	VERB
fsr-3161	100	36	for	for	ADP
fsr-3161	100	37	retirement	retirement	NOUN
fsr-3161	100	38	,	,	PUNCT
fsr-3161	100	39	inclusive	inclusive	ADJ
fsr-3161	100	40	of	of	ADP
fsr-3161	100	41	the	the	DET
fsr-3161	100	42	family	family	NOUN
fsr-3161	100	43	of	of	ADP
fsr-3161	100	44	origin	origin	NOUN
fsr-3161	100	45	effects	effect	NOUN
fsr-3161	100	46	.	.	PUNCT
fsr-3161	101	1	descriptive	descriptive	ADJ
fsr-3161	101	2	statistics	statistic	NOUN
fsr-3161	101	3	of	of	ADP
fsr-3161	101	4	independent	independent	ADJ
fsr-3161	101	5	variables	variable	NOUN
fsr-3161	101	6	are	be	AUX
fsr-3161	101	7	found	find	VERB
fsr-3161	101	8	in	in	ADP
fsr-3161	101	9	table	table	NOUN
fsr-3161	101	10	1	1	NUM
fsr-3161	101	11	.	.	PUNCT
fsr-3161	101	12	b.	b.	PROPN
fsr-3161	101	13	t.	t.	PROPN
fsr-3161	101	14	starr	starr	PROPN
fsr-3161	101	15	/	/	SYM
fsr-3161	101	16	financial	financial	ADJ
fsr-3161	101	17	services	service	NOUN
fsr-3161	101	18	review	review	VERB
fsr-3161	101	19	30	30	NUM
fsr-3161	101	20	(	(	PUNCT
fsr-3161	101	21	2022	2022	NUM
fsr-3161	101	22	)	)	PUNCT
fsr-3161	102	1	251–271	251–271	NUM
fsr-3161	102	2	255	255	NUM
fsr-3161	102	3	the	the	DET
fsr-3161	102	4	second	second	ADJ
fsr-3161	102	5	way	way	NOUN
fsr-3161	102	6	that	that	PRON
fsr-3161	102	7	we	we	PRON
fsr-3161	102	8	will	will	AUX
fsr-3161	102	9	observe	observe	VERB
fsr-3161	102	10	retirement	retirement	NOUN
fsr-3161	102	11	plan	plan	NOUN
fsr-3161	102	12	savings	saving	NOUN
fsr-3161	102	13	is	be	AUX
fsr-3161	102	14	cardinal	cardinal	ADJ
fsr-3161	102	15	in	in	ADP
fsr-3161	102	16	nature	nature	NOUN
fsr-3161	102	17	.	.	PUNCT
fsr-3161	103	1	each	each	DET
fsr-3161	103	2	household	household	NOUN
fsr-3161	103	3	is	be	AUX
fsr-3161	103	4	asked	ask	VERB
fsr-3161	103	5	what	what	DET
fsr-3161	103	6	amount	amount	NOUN
fsr-3161	103	7	it	it	PRON
fsr-3161	103	8	has	have	AUX
fsr-3161	103	9	invested	invest	VERB
fsr-3161	103	10	in	in	ADP
fsr-3161	103	11	an	an	DET
fsr-3161	103	12	ira	ira	PROPN
fsr-3161	103	13	or	or	CCONJ
fsr-3161	103	14	other	other	ADJ
fsr-3161	103	15	annuity	annuity	NOUN
fsr-3161	103	16	and	and	CCONJ
fsr-3161	103	17	how	how	SCONJ
fsr-3161	103	18	much	much	ADJ
fsr-3161	103	19	it	it	PRON
fsr-3161	103	20	has	have	VERB
fsr-3161	103	21	in	in	ADP
fsr-3161	103	22	its	its	PRON
fsr-3161	103	23	retirement	retirement	NOUN
fsr-3161	103	24	account	account	NOUN
fsr-3161	103	25	.	.	PUNCT
fsr-3161	104	1	we	we	PRON
fsr-3161	104	2	will	will	AUX
fsr-3161	104	3	add	add	VERB
fsr-3161	104	4	these	these	DET
fsr-3161	104	5	two	two	NUM
fsr-3161	104	6	together	together	ADV
fsr-3161	104	7	as	as	ADP
fsr-3161	104	8	the	the	DET
fsr-3161	104	9	measure	measure	NOUN
fsr-3161	104	10	of	of	ADP
fsr-3161	104	11	a	a	DET
fsr-3161	104	12	household	household	NOUN
fsr-3161	104	13	’s	’s	PART
fsr-3161	104	14	designated	designate	VERB
fsr-3161	104	15	retirement	retirement	NOUN
fsr-3161	104	16	savings	saving	NOUN
fsr-3161	104	17	and	and	CCONJ
fsr-3161	104	18	use	use	VERB
fsr-3161	104	19	ols	ol	NOUN
fsr-3161	104	20	regression	regression	NOUN
fsr-3161	104	21	to	to	PART
fsr-3161	104	22	analyze	analyze	VERB
fsr-3161	104	23	it	it	PRON
fsr-3161	104	24	according	accord	VERB
fsr-3161	104	25	to	to	ADP
fsr-3161	104	26	the	the	DET
fsr-3161	104	27	standard	standard	ADJ
fsr-3161	104	28	form	form	NOUN
fsr-3161	104	29	:	:	PUNCT
fsr-3161	104	30	y	y	NOUN
fsr-3161	104	31	¼	¼	NOUN
fsr-3161	104	32	xxb	xxb	PROPN
fsr-3161	105	1	þ	þ	PROPN
fsr-3161	105	2	y	y	PROPN
fsr-3161	105	3	(	(	PUNCT
fsr-3161	105	4	3	3	NUM
fsr-3161	105	5	)	)	PUNCT
fsr-3161	105	6	here	here	ADV
fsr-3161	105	7	,	,	PUNCT
fsr-3161	105	8	y	y	PROPN
fsr-3161	105	9	is	be	AUX
fsr-3161	105	10	the	the	DET
fsr-3161	105	11	dollar	dollar	NOUN
fsr-3161	105	12	amount	amount	NOUN
fsr-3161	105	13	of	of	ADP
fsr-3161	105	14	the	the	DET
fsr-3161	105	15	household	household	NOUN
fsr-3161	105	16	’s	’s	PART
fsr-3161	105	17	retirement	retirement	NOUN
fsr-3161	105	18	savings	saving	NOUN
fsr-3161	105	19	and	and	CCONJ
fsr-3161	105	20	xx	xx	NUM
fsr-3161	105	21	is	be	AUX
fsr-3161	105	22	the	the	DET
fsr-3161	105	23	vector	vector	NOUN
fsr-3161	105	24	of	of	ADP
fsr-3161	105	25	explanatory	explanatory	ADJ
fsr-3161	105	26	variables	variable	NOUN
fsr-3161	105	27	,	,	PUNCT
fsr-3161	105	28	exclusive	exclusive	ADJ
fsr-3161	105	29	of	of	ADP
fsr-3161	105	30	family	family	NOUN
fsr-3161	105	31	of	of	ADP
fsr-3161	105	32	origin	origin	NOUN
fsr-3161	105	33	effects	effect	NOUN
fsr-3161	105	34	.	.	PUNCT
fsr-3161	106	1	as	as	ADP
fsr-3161	106	2	with	with	ADP
fsr-3161	106	3	the	the	DET
fsr-3161	106	4	probit	probit	NOUN
fsr-3161	106	5	analysis	analysis	NOUN
fsr-3161	106	6	,	,	PUNCT
fsr-3161	106	7	we	we	PRON
fsr-3161	106	8	will	will	AUX
fsr-3161	106	9	then	then	ADV
fsr-3161	106	10	estimate	estimate	VERB
fsr-3161	106	11	:	:	PUNCT
fsr-3161	106	12	y	y	PROPN
fsr-3161	106	13	¼	¼	NOUN
fsr-3161	106	14	xib	xib	PROPN
fsr-3161	106	15	þ	þ	PROPN
fsr-3161	106	16	y	y	PROPN
fsr-3161	106	17	(	(	PUNCT
fsr-3161	106	18	4	4	NUM
fsr-3161	106	19	)	)	PUNCT
fsr-3161	106	20	table	table	NOUN
fsr-3161	106	21	1	1	NUM
fsr-3161	106	22	descriptive	descriptive	ADJ
fsr-3161	106	23	statistics	statistic	NOUN
fsr-3161	106	24	of	of	ADP
fsr-3161	106	25	psid	psid	ADJ
fsr-3161	106	26	data	datum	NOUN
fsr-3161	106	27	(	(	PUNCT
fsr-3161	106	28	author	author	NOUN
fsr-3161	106	29	’s	’s	PART
fsr-3161	106	30	calculations	calculation	NOUN
fsr-3161	106	31	)	)	PUNCT
fsr-3161	106	32	mean	mean	PROPN
fsr-3161	107	1	n	n	CCONJ
fsr-3161	107	2	min	min	PROPN
fsr-3161	107	3	max	max	PROPN
fsr-3161	107	4	sd	sd	ADP
fsr-3161	107	5	dependent	dependent	ADJ
fsr-3161	107	6	variables	variable	NOUN
fsr-3161	107	7	(	(	PUNCT
fsr-3161	107	8	2019	2019	NUM
fsr-3161	107	9	)	)	PUNCT
fsr-3161	107	10	saving	save	VERB
fsr-3161	107	11	for	for	ADP
fsr-3161	107	12	retirement	retirement	NOUN
fsr-3161	107	13	0.46	0.46	NUM
fsr-3161	107	14	8,404	8,404	NUM
fsr-3161	107	15	0	0	NUM
fsr-3161	107	16	1	1	NUM
fsr-3161	107	17	0.50	0.50	NUM
fsr-3161	107	18	retirement	retirement	NOUN
fsr-3161	107	19	savings	saving	NOUN
fsr-3161	107	20	$	$	SYM
fsr-3161	107	21	61,130	61,130	NUM
fsr-3161	107	22	7,881	7,881	NUM
fsr-3161	107	23	0	0	NUM
fsr-3161	107	24	$	$	SYM
fsr-3161	107	25	4,700,000	4,700,000	NUM
fsr-3161	107	26	$	$	SYM
fsr-3161	107	27	226,971	226,971	NUM
fsr-3161	107	28	independent	independent	ADJ
fsr-3161	107	29	variables	variable	NOUN
fsr-3161	107	30	(	(	PUNCT
fsr-3161	107	31	2019	2019	NUM
fsr-3161	107	32	)	)	PUNCT
fsr-3161	107	33	age	age	NOUN
fsr-3161	107	34	42.37	42.37	NUM
fsr-3161	107	35	8,404	8,404	NUM
fsr-3161	107	36	31	31	NUM
fsr-3161	107	37	66	66	NUM
fsr-3161	107	38	10.29	10.29	NUM
fsr-3161	107	39	income	income	NOUN
fsr-3161	107	40	$	$	SYM
fsr-3161	107	41	80,048	80,048	NUM
fsr-3161	107	42	8,404	8,404	NUM
fsr-3161	107	43	�	�	SYM
fsr-3161	107	44	$	$	SYM
fsr-3161	107	45	267,900	267,900	NUM
fsr-3161	107	46	$	$	SYM
fsr-3161	107	47	2,125,100	2,125,100	NUM
fsr-3161	107	48	$	$	SYM
fsr-3161	107	49	91,002	91,002	NUM
fsr-3161	107	50	education	education	NOUN
fsr-3161	107	51	13.43	13.43	NUM
fsr-3161	107	52	8,310	8,310	NUM
fsr-3161	107	53	0	0	NUM
fsr-3161	107	54	17	17	NUM
fsr-3161	107	55	2.55	2.55	NUM
fsr-3161	107	56	male	male	NOUN
fsr-3161	107	57	0.68	0.68	NUM
fsr-3161	107	58	8,404	8,404	NUM
fsr-3161	107	59	0	0	NUM
fsr-3161	107	60	1	1	NUM
fsr-3161	107	61	0.47	0.47	NUM
fsr-3161	107	62	married	marry	VERB
fsr-3161	107	63	0.51	0.51	NUM
fsr-3161	107	64	8,404	8,404	NUM
fsr-3161	107	65	0	0	NUM
fsr-3161	107	66	1	1	NUM
fsr-3161	107	67	0.50	0.50	NUM
fsr-3161	107	68	health	health	NOUN
fsr-3161	107	69	status	status	NOUN
fsr-3161	107	70	2.55	2.55	NUM
fsr-3161	107	71	8,382	8,382	NUM
fsr-3161	107	72	1	1	NUM
fsr-3161	107	73	5	5	NUM
fsr-3161	107	74	1.03	1.03	NUM
fsr-3161	107	75	children	child	NOUN
fsr-3161	107	76	0.89	0.89	NUM
fsr-3161	107	77	8,404	8,404	NUM
fsr-3161	107	78	0	0	NUM
fsr-3161	107	79	10	10	NUM
fsr-3161	107	80	1.23	1.23	NUM
fsr-3161	107	81	minority	minority	NOUN
fsr-3161	107	82	0.48	0.48	NUM
fsr-3161	107	83	8,328	8,328	NUM
fsr-3161	107	84	0	0	NUM
fsr-3161	107	85	1	1	NUM
fsr-3161	107	86	0.50	0.50	NUM
fsr-3161	107	87	lived	live	VERB
fsr-3161	107	88	with	with	ADP
fsr-3161	107	89	parents	parent	NOUN
fsr-3161	107	90	0.65	0.65	NUM
fsr-3161	107	91	8,262	8,262	NUM
fsr-3161	107	92	0	0	NUM
fsr-3161	107	93	1	1	NUM
fsr-3161	107	94	0.48	0.48	NUM
fsr-3161	107	95	union	union	NOUN
fsr-3161	107	96	member	member	NOUN
fsr-3161	107	97	0.09	0.09	NUM
fsr-3161	107	98	8,404	8,404	NUM
fsr-3161	107	99	0	0	NUM
fsr-3161	107	100	1	1	NUM
fsr-3161	107	101	0.29	0.29	NUM
fsr-3161	107	102	health	health	NOUN
fsr-3161	107	103	insurance	insurance	NOUN
fsr-3161	107	104	0.91	0.91	NUM
fsr-3161	107	105	8,348	8,348	NUM
fsr-3161	107	106	0	0	NUM
fsr-3161	107	107	1	1	NUM
fsr-3161	107	108	0.29	0.29	NUM
fsr-3161	107	109	religious	religious	ADJ
fsr-3161	107	110	$	$	SYM
fsr-3161	107	111	$	$	SYM
fsr-3161	107	112	602	602	NUM
fsr-3161	107	113	8,344	8,344	NUM
fsr-3161	107	114	0	0	SYM
fsr-3161	107	115	$	$	SYM
fsr-3161	107	116	62,000	62,000	NUM
fsr-3161	107	117	$	$	SYM
fsr-3161	107	118	2,521	2,521	NUM
fsr-3161	107	119	combo	combo	NOUN
fsr-3161	107	120	$	$	SYM
fsr-3161	107	121	$	$	SYM
fsr-3161	107	122	78	78	NUM
fsr-3161	107	123	8,373	8,373	NUM
fsr-3161	107	124	0	0	SYM
fsr-3161	107	125	$	$	SYM
fsr-3161	107	126	20,000	20,000	NUM
fsr-3161	107	127	$	$	SYM
fsr-3161	107	128	526	526	NUM
fsr-3161	107	129	needy	needy	ADJ
fsr-3161	107	130	$	$	SYM
fsr-3161	107	131	$	$	SYM
fsr-3161	107	132	96	96	NUM
fsr-3161	107	133	8,344	8,344	NUM
fsr-3161	107	134	0	0	SYM
fsr-3161	107	135	$	$	SYM
fsr-3161	107	136	30,000	30,000	NUM
fsr-3161	107	137	$	$	SYM
fsr-3161	107	138	636	636	NUM
fsr-3161	107	139	health	health	NOUN
fsr-3161	107	140	$	$	SYM
fsr-3161	107	141	$	$	SYM
fsr-3161	107	142	32	32	NUM
fsr-3161	107	143	8,383	8,383	NUM
fsr-3161	107	144	0	0	SYM
fsr-3161	107	145	$	$	SYM
fsr-3161	107	146	15,000	15,000	NUM
fsr-3161	107	147	$	$	SYM
fsr-3161	107	148	287	287	NUM
fsr-3161	107	149	education	education	NOUN
fsr-3161	107	150	$	$	SYM
fsr-3161	107	151	$	$	SYM
fsr-3161	107	152	37	37	NUM
fsr-3161	107	153	8,391	8,391	NUM
fsr-3161	107	154	0	0	SYM
fsr-3161	107	155	$	$	SYM
fsr-3161	107	156	15,000	15,000	NUM
fsr-3161	107	157	$	$	SYM
fsr-3161	107	158	356	356	NUM
fsr-3161	107	159	youth	youth	NOUN
fsr-3161	107	160	$	$	SYM
fsr-3161	107	161	$	$	SYM
fsr-3161	107	162	17	17	NUM
fsr-3161	107	163	8,388	8,388	NUM
fsr-3161	107	164	0	0	NUM
fsr-3161	107	165	$	$	SYM
fsr-3161	107	166	6,000	6,000	NUM
fsr-3161	107	167	$	$	SYM
fsr-3161	107	168	176	176	NUM
fsr-3161	107	169	cultural	cultural	ADJ
fsr-3161	107	170	$	$	SYM
fsr-3161	107	171	$	$	SYM
fsr-3161	107	172	15	15	NUM
fsr-3161	107	173	8,398	8,398	NUM
fsr-3161	107	174	0	0	SYM
fsr-3161	107	175	$	$	SYM
fsr-3161	107	176	30,000	30,000	NUM
fsr-3161	107	177	$	$	SYM
fsr-3161	107	178	354	354	NUM
fsr-3161	107	179	community	community	NOUN
fsr-3161	107	180	$	$	SYM
fsr-3161	107	181	$	$	SYM
fsr-3161	107	182	6	6	NUM
fsr-3161	107	183	8,395	8,395	NUM
fsr-3161	107	184	0	0	NUM
fsr-3161	107	185	$	$	SYM
fsr-3161	107	186	5,000	5,000	NUM
fsr-3161	107	187	$	$	SYM
fsr-3161	107	188	85	85	NUM
fsr-3161	107	189	environment	environment	NOUN
fsr-3161	107	190	$	$	SYM
fsr-3161	107	191	$	$	SYM
fsr-3161	107	192	11	11	NUM
fsr-3161	107	193	8,395	8,395	NUM
fsr-3161	107	194	0	0	NUM
fsr-3161	107	195	$	$	SYM
fsr-3161	107	196	5,000	5,000	NUM
fsr-3161	107	197	$	$	SYM
fsr-3161	107	198	106	106	NUM
fsr-3161	107	199	peace	peace	NOUN
fsr-3161	107	200	$	$	SYM
fsr-3161	107	201	$	$	SYM
fsr-3161	107	202	10	10	NUM
fsr-3161	107	203	8,390	8,390	NUM
fsr-3161	107	204	0	0	NUM
fsr-3161	107	205	$	$	SYM
fsr-3161	107	206	10,000	10,000	NUM
fsr-3161	107	207	$	$	SYM
fsr-3161	107	208	150	150	NUM
fsr-3161	107	209	other	other	ADJ
fsr-3161	107	210	$	$	SYM
fsr-3161	107	211	$	$	SYM
fsr-3161	107	212	31	31	NUM
fsr-3161	107	213	8,395	8,395	NUM
fsr-3161	107	214	0	0	NUM
fsr-3161	108	1	$	$	SYM
fsr-3161	108	2	32,675	32,675	NUM
fsr-3161	108	3	$	$	SYM
fsr-3161	108	4	519	519	NUM
fsr-3161	108	5	independent	independent	ADJ
fsr-3161	108	6	variables	variable	NOUN
fsr-3161	108	7	(	(	PUNCT
fsr-3161	108	8	1989	1989	NUM
fsr-3161	108	9	family	family	NOUN
fsr-3161	108	10	of	of	ADP
fsr-3161	108	11	origin	origin	NOUN
fsr-3161	108	12	)	)	PUNCT
fsr-3161	108	13	head	head	NOUN
fsr-3161	108	14	interactive	interactive	VERB
fsr-3161	108	15	$	$	SYM
fsr-3161	108	16	19,773	19,773	NUM
fsr-3161	108	17	3,713	3,713	NUM
fsr-3161	108	18	0	0	SYM
fsr-3161	108	19	$	$	SYM
fsr-3161	108	20	1,412,200	1,412,200	NUM
fsr-3161	108	21	$	$	SYM
fsr-3161	108	22	48,616	48,616	NUM
fsr-3161	108	23	spouse	spouse	NOUN
fsr-3161	108	24	interactive	interactive	VERB
fsr-3161	108	25	$	$	SYM
fsr-3161	108	26	10,053	10,053	NUM
fsr-3161	108	27	3,713	3,713	NUM
fsr-3161	108	28	0	0	SYM
fsr-3161	108	29	$	$	SYM
fsr-3161	108	30	465,080	465,080	NUM
fsr-3161	108	31	$	$	SYM
fsr-3161	108	32	24,953	24,953	NUM
fsr-3161	108	33	health	health	NOUN
fsr-3161	108	34	of	of	ADP
fsr-3161	108	35	head	head	NOUN
fsr-3161	108	36	2.49	2.49	NUM
fsr-3161	108	37	3,713	3,713	NUM
fsr-3161	108	38	1	1	NUM
fsr-3161	108	39	5	5	NUM
fsr-3161	108	40	1.12	1.12	NUM
fsr-3161	108	41	parent	parent	NOUN
fsr-3161	108	42	income	income	NOUN
fsr-3161	108	43	$	$	SYM
fsr-3161	108	44	35,028	35,028	NUM
fsr-3161	108	45	3,713	3,713	NUM
fsr-3161	108	46	1	1	NUM
fsr-3161	108	47	$	$	SYM
fsr-3161	108	48	1,412,200	1,412,200	NUM
fsr-3161	108	49	$	$	SYM
fsr-3161	108	50	48,654	48,654	NUM
fsr-3161	108	51	head	head	NOUN
fsr-3161	108	52	education	education	NOUN
fsr-3161	108	53	4.70	4.70	NUM
fsr-3161	108	54	3,713	3,713	NUM
fsr-3161	108	55	1	1	NUM
fsr-3161	108	56	9	9	NUM
fsr-3161	108	57	1.83	1.83	NUM
fsr-3161	108	58	spouse	spouse	NOUN
fsr-3161	108	59	work	work	NOUN
fsr-3161	108	60	0.76	0.76	NUM
fsr-3161	108	61	3,713	3,713	NUM
fsr-3161	108	62	0	0	NUM
fsr-3161	108	63	1	1	NUM
fsr-3161	108	64	0.43	0.43	NUM
fsr-3161	108	65	note	note	NOUN
fsr-3161	108	66	.	.	PUNCT
fsr-3161	109	1	psid	psid	ADJ
fsr-3161	109	2	=	=	ADJ
fsr-3161	109	3	panel	panel	NOUN
fsr-3161	109	4	study	study	NOUN
fsr-3161	109	5	of	of	ADP
fsr-3161	109	6	income	income	NOUN
fsr-3161	109	7	dynamics	dynamic	NOUN
fsr-3161	109	8	.	.	PUNCT
fsr-3161	110	1	256	256	NUM
fsr-3161	110	2	b.	b.	PROPN
fsr-3161	110	3	t.	t.	PROPN
fsr-3161	110	4	starr	starr	PROPN
fsr-3161	110	5	/	/	SYM
fsr-3161	110	6	financial	financial	ADJ
fsr-3161	110	7	services	service	NOUN
fsr-3161	110	8	review	review	VERB
fsr-3161	110	9	30	30	NUM
fsr-3161	110	10	(	(	PUNCT
fsr-3161	110	11	2022	2022	NUM
fsr-3161	110	12	)	)	PUNCT
fsr-3161	110	13	251–271	251–271	NUM
fsr-3161	110	14	in	in	ADP
fsr-3161	110	15	eq	eq	ADP
fsr-3161	110	16	.	.	PUNCT
fsr-3161	111	1	(	(	PUNCT
fsr-3161	111	2	4	4	NUM
fsr-3161	111	3	)	)	PUNCT
fsr-3161	111	4	,	,	PUNCT
fsr-3161	111	5	we	we	PRON
fsr-3161	111	6	are	be	AUX
fsr-3161	111	7	simply	simply	ADV
fsr-3161	111	8	adding	add	VERB
fsr-3161	111	9	additional	additional	ADJ
fsr-3161	111	10	variables	variable	NOUN
fsr-3161	111	11	to	to	ADP
fsr-3161	111	12	the	the	DET
fsr-3161	111	13	ols	ol	NOUN
fsr-3161	111	14	regression	regression	NOUN
fsr-3161	111	15	so	so	SCONJ
fsr-3161	111	16	that	that	SCONJ
fsr-3161	111	17	xi	xi	PROPN
fsr-3161	111	18	includes	include	VERB
fsr-3161	111	19	all	all	DET
fsr-3161	111	20	independent	independent	ADJ
fsr-3161	111	21	variables	variable	NOUN
fsr-3161	111	22	included	include	VERB
fsr-3161	111	23	in	in	ADP
fsr-3161	111	24	xx	xx	NUM
fsr-3161	111	25	plus	plus	CCONJ
fsr-3161	111	26	the	the	DET
fsr-3161	111	27	family	family	NOUN
fsr-3161	111	28	of	of	ADP
fsr-3161	111	29	origin	origin	NOUN
fsr-3161	111	30	variables	variable	NOUN
fsr-3161	111	31	at	at	ADP
fsr-3161	111	32	the	the	DET
fsr-3161	111	33	bottom	bottom	NOUN
fsr-3161	111	34	of	of	ADP
fsr-3161	111	35	table	table	NOUN
fsr-3161	111	36	1	1	NUM
fsr-3161	111	37	.	.	PUNCT
fsr-3161	112	1	clearly	clearly	ADV
fsr-3161	112	2	,	,	PUNCT
fsr-3161	112	3	the	the	DET
fsr-3161	112	4	data	datum	NOUN
fsr-3161	112	5	we	we	PRON
fsr-3161	112	6	analyzed	analyze	VERB
fsr-3161	112	7	in	in	ADP
fsr-3161	112	8	the	the	DET
fsr-3161	112	9	probit	probit	NOUN
fsr-3161	112	10	analysis	analysis	NOUN
fsr-3161	112	11	,	,	PUNCT
fsr-3161	112	12	actively	actively	ADV
fsr-3161	112	13	saving	save	VERB
fsr-3161	112	14	for	for	ADP
fsr-3161	112	15	requirement	requirement	NOUN
fsr-3161	112	16	,	,	PUNCT
fsr-3161	112	17	is	be	AUX
fsr-3161	112	18	a	a	DET
fsr-3161	112	19	necessary	necessary	ADJ
fsr-3161	112	20	condition	condition	NOUN
fsr-3161	112	21	for	for	ADP
fsr-3161	112	22	the	the	DET
fsr-3161	112	23	actual	actual	ADJ
fsr-3161	112	24	accumulation	accumulation	NOUN
fsr-3161	112	25	of	of	ADP
fsr-3161	112	26	retirement	retirement	NOUN
fsr-3161	112	27	savings	saving	NOUN
fsr-3161	112	28	and	and	CCONJ
fsr-3161	112	29	our	our	PRON
fsr-3161	112	30	evaluation	evaluation	NOUN
fsr-3161	112	31	thereof	thereof	ADV
fsr-3161	112	32	.	.	PUNCT
fsr-3161	113	1	the	the	DET
fsr-3161	113	2	accumulated	accumulate	VERB
fsr-3161	113	3	amount	amount	NOUN
fsr-3161	113	4	,	,	PUNCT
fsr-3161	113	5	however	however	ADV
fsr-3161	113	6	,	,	PUNCT
fsr-3161	113	7	is	be	AUX
fsr-3161	113	8	a	a	DET
fsr-3161	113	9	function	function	NOUN
fsr-3161	113	10	of	of	ADP
fsr-3161	113	11	many	many	ADJ
fsr-3161	113	12	more	more	ADJ
fsr-3161	113	13	variables	variable	NOUN
fsr-3161	113	14	,	,	PUNCT
fsr-3161	113	15	some	some	PRON
fsr-3161	113	16	of	of	ADP
fsr-3161	113	17	which	which	PRON
fsr-3161	113	18	we	we	PRON
fsr-3161	113	19	can	can	AUX
fsr-3161	113	20	analyze	analyze	VERB
fsr-3161	113	21	directly	directly	ADV
fsr-3161	113	22	or	or	CCONJ
fsr-3161	113	23	indirectly	indirectly	ADV
fsr-3161	113	24	with	with	ADP
fsr-3161	113	25	psid	psid	ADJ
fsr-3161	113	26	data	datum	NOUN
fsr-3161	113	27	(	(	PUNCT
fsr-3161	113	28	like	like	ADP
fsr-3161	113	29	income	income	NOUN
fsr-3161	113	30	and	and	CCONJ
fsr-3161	113	31	age	age	NOUN
fsr-3161	113	32	)	)	PUNCT
fsr-3161	113	33	and	and	CCONJ
fsr-3161	113	34	others	other	NOUN
fsr-3161	113	35	(	(	PUNCT
fsr-3161	113	36	like	like	ADP
fsr-3161	113	37	risk	risk	NOUN
fsr-3161	113	38	tolerance	tolerance	NOUN
fsr-3161	113	39	)	)	PUNCT
fsr-3161	113	40	that	that	PRON
fsr-3161	113	41	lie	lie	VERB
fsr-3161	113	42	beyond	beyond	ADP
fsr-3161	113	43	the	the	DET
fsr-3161	113	44	scope	scope	NOUN
fsr-3161	113	45	of	of	ADP
fsr-3161	113	46	our	our	PRON
fsr-3161	113	47	analysis	analysis	NOUN
fsr-3161	113	48	.	.	PUNCT
fsr-3161	114	1	still	still	ADV
fsr-3161	114	2	,	,	PUNCT
fsr-3161	114	3	our	our	PRON
fsr-3161	114	4	variables	variable	NOUN
fsr-3161	114	5	of	of	ADP
fsr-3161	114	6	interest	interest	NOUN
fsr-3161	114	7	will	will	AUX
fsr-3161	114	8	also	also	ADV
fsr-3161	114	9	prove	prove	VERB
fsr-3161	114	10	salient	salient	NOUN
fsr-3161	114	11	in	in	ADP
fsr-3161	114	12	this	this	DET
fsr-3161	114	13	second	second	ADJ
fsr-3161	114	14	type	type	NOUN
fsr-3161	114	15	of	of	ADP
fsr-3161	114	16	analysis	analysis	NOUN
fsr-3161	114	17	and	and	CCONJ
fsr-3161	114	18	will	will	AUX
fsr-3161	114	19	be	be	AUX
fsr-3161	114	20	discussed	discuss	VERB
fsr-3161	114	21	below	below	ADV
fsr-3161	114	22	.	.	PUNCT
fsr-3161	115	1	3	3	X
fsr-3161	115	2	.	.	X
fsr-3161	115	3	why	why	SCONJ
fsr-3161	115	4	does	do	AUX
fsr-3161	115	5	n’t	not	PART
fsr-3161	115	6	everyone	everyone	PRON
fsr-3161	115	7	save	save	VERB
fsr-3161	115	8	for	for	ADP
fsr-3161	115	9	retirement	retirement	NOUN
fsr-3161	115	10	?	?	PUNCT
fsr-3161	116	1	3.1	3.1	NUM
fsr-3161	116	2	.	.	PUNCT
fsr-3161	117	1	the	the	DET
fsr-3161	117	2	effects	effect	NOUN
fsr-3161	117	3	of	of	ADP
fsr-3161	117	4	health	health	NOUN
fsr-3161	117	5	while	while	SCONJ
fsr-3161	117	6	much	much	ADJ
fsr-3161	117	7	research	research	NOUN
fsr-3161	117	8	and	and	CCONJ
fsr-3161	117	9	the	the	DET
fsr-3161	117	10	popular	popular	ADJ
fsr-3161	117	11	press	press	NOUN
fsr-3161	117	12	demonstrate	demonstrate	VERB
fsr-3161	117	13	a	a	DET
fsr-3161	117	14	good	good	ADJ
fsr-3161	117	15	deal	deal	NOUN
fsr-3161	117	16	of	of	ADP
fsr-3161	117	17	worry	worry	NOUN
fsr-3161	117	18	over	over	ADP
fsr-3161	117	19	the	the	DET
fsr-3161	117	20	fact	fact	NOUN
fsr-3161	117	21	that	that	SCONJ
fsr-3161	117	22	many	many	ADJ
fsr-3161	117	23	americans	americans	PROPN
fsr-3161	117	24	simply	simply	ADV
fsr-3161	117	25	do	do	AUX
fsr-3161	117	26	not	not	PART
fsr-3161	117	27	save	save	VERB
fsr-3161	117	28	for	for	ADP
fsr-3161	117	29	retirement	retirement	NOUN
fsr-3161	117	30	,	,	PUNCT
fsr-3161	117	31	it	it	PRON
fsr-3161	117	32	is	be	AUX
fsr-3161	117	33	useful	useful	ADJ
fsr-3161	117	34	to	to	PART
fsr-3161	117	35	rehearse	rehearse	VERB
fsr-3161	117	36	some	some	DET
fsr-3161	117	37	rational	rational	ADJ
fsr-3161	117	38	reasons	reason	NOUN
fsr-3161	117	39	why	why	SCONJ
fsr-3161	117	40	a	a	DET
fsr-3161	117	41	worker	worker	NOUN
fsr-3161	117	42	might	might	AUX
fsr-3161	117	43	choose	choose	VERB
fsr-3161	117	44	the	the	DET
fsr-3161	117	45	path	path	NOUN
fsr-3161	117	46	of	of	ADP
fsr-3161	117	47	non	non	NOUN
fsr-3161	117	48	-	-	NOUN
fsr-3161	117	49	savings	saving	NOUN
fsr-3161	117	50	.	.	PUNCT
fsr-3161	118	1	such	such	ADJ
fsr-3161	118	2	theoretical	theoretical	ADJ
fsr-3161	118	3	reasons	reason	NOUN
fsr-3161	118	4	will	will	AUX
fsr-3161	118	5	inform	inform	VERB
fsr-3161	118	6	our	our	PRON
fsr-3161	118	7	investigation	investigation	NOUN
fsr-3161	118	8	.	.	PUNCT
fsr-3161	119	1	perhaps	perhaps	ADV
fsr-3161	119	2	the	the	DET
fsr-3161	119	3	most	most	ADV
fsr-3161	119	4	intuitive	intuitive	ADJ
fsr-3161	119	5	reason	reason	NOUN
fsr-3161	119	6	for	for	ADP
fsr-3161	119	7	non	non	NOUN
fsr-3161	119	8	-	-	ADJ
fsr-3161	119	9	savings	saving	NOUN
fsr-3161	119	10	would	would	AUX
fsr-3161	119	11	be	be	AUX
fsr-3161	119	12	a	a	DET
fsr-3161	119	13	state	state	NOUN
fsr-3161	119	14	of	of	ADP
fsr-3161	119	15	health	health	NOUN
fsr-3161	119	16	that	that	PRON
fsr-3161	119	17	is	be	AUX
fsr-3161	119	18	deemed	deem	VERB
fsr-3161	119	19	insufficient	insufficient	ADJ
fsr-3161	119	20	for	for	ADP
fsr-3161	119	21	any	any	DET
fsr-3161	119	22	significant	significant	ADJ
fsr-3161	119	23	post	post	ADJ
fsr-3161	119	24	-	-	ADJ
fsr-3161	119	25	retirement	retirement	ADJ
fsr-3161	119	26	life	life	NOUN
fsr-3161	119	27	expectancy	expectancy	NOUN
fsr-3161	119	28	.	.	PUNCT
fsr-3161	120	1	why	why	SCONJ
fsr-3161	120	2	forego	forego	ADJ
fsr-3161	120	3	current	current	ADJ
fsr-3161	120	4	consumption	consumption	NOUN
fsr-3161	120	5	to	to	PART
fsr-3161	120	6	fund	fund	VERB
fsr-3161	120	7	a	a	DET
fsr-3161	120	8	part	part	NOUN
fsr-3161	120	9	of	of	ADP
fsr-3161	120	10	the	the	DET
fsr-3161	120	11	life	life	NOUN
fsr-3161	120	12	-	-	PUNCT
fsr-3161	120	13	cycle	cycle	NOUN
fsr-3161	120	14	one	one	NOUN
fsr-3161	120	15	does	do	AUX
fsr-3161	120	16	not	not	PART
fsr-3161	120	17	expect	expect	VERB
fsr-3161	120	18	to	to	PART
fsr-3161	120	19	attain	attain	VERB
fsr-3161	120	20	in	in	ADP
fsr-3161	120	21	meaningful	meaningful	ADJ
fsr-3161	120	22	measure	measure	NOUN
fsr-3161	120	23	?	?	PUNCT
fsr-3161	121	1	of	of	ADP
fsr-3161	121	2	course	course	NOUN
fsr-3161	121	3	,	,	PUNCT
fsr-3161	121	4	the	the	DET
fsr-3161	121	5	psid	psid	ADJ
fsr-3161	121	6	survey	survey	NOUN
fsr-3161	121	7	team	team	NOUN
fsr-3161	121	8	is	be	AUX
fsr-3161	121	9	not	not	PART
fsr-3161	121	10	so	so	ADV
fsr-3161	121	11	gauche	gauche	ADJ
fsr-3161	121	12	as	as	SCONJ
fsr-3161	121	13	to	to	PART
fsr-3161	121	14	ask	ask	VERB
fsr-3161	121	15	whether	whether	SCONJ
fsr-3161	121	16	the	the	DET
fsr-3161	121	17	participant	participant	NOUN
fsr-3161	121	18	expects	expect	VERB
fsr-3161	121	19	to	to	PART
fsr-3161	121	20	live	live	VERB
fsr-3161	121	21	to	to	PART
fsr-3161	121	22	see	see	VERB
fsr-3161	121	23	retirement	retirement	NOUN
fsr-3161	121	24	.	.	PUNCT
fsr-3161	122	1	we	we	PRON
fsr-3161	122	2	must	must	AUX
fsr-3161	122	3	rely	rely	VERB
fsr-3161	122	4	on	on	ADP
fsr-3161	122	5	a	a	DET
fsr-3161	122	6	slightly	slightly	ADV
fsr-3161	122	7	weaker	weak	ADJ
fsr-3161	122	8	instrument	instrument	NOUN
fsr-3161	122	9	—	—	PUNCT
fsr-3161	122	10	namely	namely	ADV
fsr-3161	122	11	the	the	DET
fsr-3161	122	12	revealed	reveal	VERB
fsr-3161	122	13	perception	perception	NOUN
fsr-3161	122	14	of	of	ADP
fsr-3161	122	15	participant	participant	ADJ
fsr-3161	122	16	health	health	NOUN
fsr-3161	122	17	.	.	PUNCT
fsr-3161	123	1	the	the	DET
fsr-3161	123	2	survey	survey	NOUN
fsr-3161	123	3	question	question	NOUN
fsr-3161	123	4	allows	allow	VERB
fsr-3161	123	5	the	the	DET
fsr-3161	123	6	respondent	respondent	NOUN
fsr-3161	123	7	to	to	PART
fsr-3161	123	8	choose	choose	VERB
fsr-3161	123	9	excellent	excellent	ADJ
fsr-3161	123	10	,	,	PUNCT
fsr-3161	123	11	very	very	ADV
fsr-3161	123	12	good	good	ADJ
fsr-3161	123	13	,	,	PUNCT
fsr-3161	123	14	good	good	ADJ
fsr-3161	123	15	,	,	PUNCT
fsr-3161	123	16	fair	fair	ADJ
fsr-3161	123	17	,	,	PUNCT
fsr-3161	123	18	or	or	CCONJ
fsr-3161	123	19	poor	poor	ADJ
fsr-3161	123	20	health	health	NOUN
fsr-3161	123	21	,	,	PUNCT
fsr-3161	123	22	with	with	ADP
fsr-3161	123	23	the	the	DET
fsr-3161	123	24	ordinal	ordinal	ADJ
fsr-3161	123	25	level	level	NOUN
fsr-3161	123	26	1	1	NUM
fsr-3161	123	27	assigned	assign	VERB
fsr-3161	123	28	to	to	ADP
fsr-3161	123	29	those	those	PRON
fsr-3161	123	30	describing	describe	VERB
fsr-3161	123	31	themselves	themselves	PRON
fsr-3161	123	32	as	as	ADP
fsr-3161	123	33	having	have	VERB
fsr-3161	123	34	excellent	excellent	ADJ
fsr-3161	123	35	health	health	NOUN
fsr-3161	123	36	and	and	CCONJ
fsr-3161	123	37	level	level	NOUN
fsr-3161	123	38	5	5	NUM
fsr-3161	123	39	designated	designate	VERB
fsr-3161	123	40	to	to	ADP
fsr-3161	123	41	those	those	PRON
fsr-3161	123	42	in	in	ADP
fsr-3161	123	43	poor	poor	ADJ
fsr-3161	123	44	health	health	NOUN
fsr-3161	123	45	.	.	PUNCT
fsr-3161	124	1	one	one	PRON
fsr-3161	124	2	might	might	AUX
fsr-3161	124	3	also	also	ADV
fsr-3161	124	4	wonder	wonder	VERB
fsr-3161	124	5	if	if	SCONJ
fsr-3161	124	6	the	the	DET
fsr-3161	124	7	observation	observation	NOUN
fsr-3161	124	8	of	of	ADP
fsr-3161	124	9	parental	parental	ADJ
fsr-3161	124	10	health	health	NOUN
fsr-3161	124	11	during	during	ADP
fsr-3161	124	12	childhood	childhood	NOUN
fsr-3161	124	13	years	year	NOUN
fsr-3161	124	14	might	might	AUX
fsr-3161	124	15	impact	impact	VERB
fsr-3161	124	16	the	the	DET
fsr-3161	124	17	retirement	retirement	NOUN
fsr-3161	124	18	savings	saving	NOUN
fsr-3161	124	19	decision	decision	NOUN
fsr-3161	124	20	.	.	PUNCT
fsr-3161	125	1	a	a	DET
fsr-3161	125	2	rational	rational	ADJ
fsr-3161	125	3	response	response	NOUN
fsr-3161	125	4	to	to	ADP
fsr-3161	125	5	the	the	DET
fsr-3161	125	6	observation	observation	NOUN
fsr-3161	125	7	of	of	ADP
fsr-3161	125	8	the	the	DET
fsr-3161	125	9	poor	poor	ADJ
fsr-3161	125	10	health	health	NOUN
fsr-3161	125	11	of	of	ADP
fsr-3161	125	12	one	one	NUM
fsr-3161	125	13	’s	’s	PART
fsr-3161	125	14	parent	parent	NOUN
fsr-3161	125	15	would	would	AUX
fsr-3161	125	16	be	be	AUX
fsr-3161	125	17	to	to	PART
fsr-3161	125	18	conclude	conclude	VERB
fsr-3161	125	19	that	that	SCONJ
fsr-3161	125	20	one	one	NUM
fsr-3161	125	21	’s	’s	PART
fsr-3161	125	22	own	own	ADJ
fsr-3161	125	23	life	life	NOUN
fsr-3161	125	24	expectancy	expectancy	NOUN
fsr-3161	125	25	might	might	AUX
fsr-3161	125	26	be	be	AUX
fsr-3161	125	27	below	below	ADP
fsr-3161	125	28	average	average	ADJ
fsr-3161	125	29	,	,	PUNCT
fsr-3161	125	30	thus	thus	ADV
fsr-3161	125	31	,	,	PUNCT
fsr-3161	125	32	reducing	reduce	VERB
fsr-3161	125	33	the	the	DET
fsr-3161	125	34	stock	stock	NOUN
fsr-3161	125	35	of	of	ADP
fsr-3161	125	36	financial	financial	ADJ
fsr-3161	125	37	capital	capital	NOUN
fsr-3161	125	38	needed	need	VERB
fsr-3161	125	39	to	to	PART
fsr-3161	125	40	finance	finance	VERB
fsr-3161	125	41	the	the	DET
fsr-3161	125	42	retirement	retirement	NOUN
fsr-3161	125	43	years	year	NOUN
fsr-3161	125	44	.	.	PUNCT
fsr-3161	126	1	fortuitously	fortuitously	ADV
fsr-3161	126	2	,	,	PUNCT
fsr-3161	126	3	we	we	PRON
fsr-3161	126	4	have	have	VERB
fsr-3161	126	5	in	in	ADP
fsr-3161	126	6	the	the	DET
fsr-3161	126	7	1989	1989	NUM
fsr-3161	126	8	psid	psid	PROPN
fsr-3161	126	9	data	datum	NOUN
fsr-3161	126	10	the	the	DET
fsr-3161	126	11	self	self	NOUN
fsr-3161	126	12	-	-	PUNCT
fsr-3161	126	13	reported	report	VERB
fsr-3161	126	14	parental	parental	ADJ
fsr-3161	126	15	health	health	NOUN
fsr-3161	126	16	assessment	assessment	NOUN
fsr-3161	126	17	,	,	PUNCT
fsr-3161	126	18	on	on	ADP
fsr-3161	126	19	the	the	DET
fsr-3161	126	20	same	same	ADJ
fsr-3161	126	21	scale	scale	NOUN
fsr-3161	126	22	of	of	ADP
fsr-3161	126	23	1–5	1–5	NUM
fsr-3161	126	24	,	,	PUNCT
fsr-3161	126	25	allowing	allow	VERB
fsr-3161	126	26	us	we	PRON
fsr-3161	126	27	to	to	PART
fsr-3161	126	28	test	test	VERB
fsr-3161	126	29	whether	whether	SCONJ
fsr-3161	126	30	the	the	DET
fsr-3161	126	31	observation	observation	NOUN
fsr-3161	126	32	of	of	ADP
fsr-3161	126	33	parental	parental	ADJ
fsr-3161	126	34	health	health	NOUN
fsr-3161	126	35	might	might	AUX
fsr-3161	126	36	have	have	VERB
fsr-3161	126	37	a	a	DET
fsr-3161	126	38	bearing	bearing	NOUN
fsr-3161	126	39	on	on	ADP
fsr-3161	126	40	retirement	retirement	NOUN
fsr-3161	126	41	savings	saving	NOUN
fsr-3161	126	42	decisions	decision	NOUN
fsr-3161	126	43	.	.	PUNCT
fsr-3161	127	1	3.2	3.2	NUM
fsr-3161	127	2	.	.	PUNCT
fsr-3161	128	1	the	the	DET
fsr-3161	128	2	effects	effect	NOUN
fsr-3161	128	3	of	of	ADP
fsr-3161	128	4	progeny	progeny	NOUN
fsr-3161	128	5	the	the	DET
fsr-3161	128	6	presence	presence	NOUN
fsr-3161	128	7	of	of	ADP
fsr-3161	128	8	children	child	NOUN
fsr-3161	128	9	in	in	ADP
fsr-3161	128	10	the	the	DET
fsr-3161	128	11	household	household	NOUN
fsr-3161	128	12	might	might	AUX
fsr-3161	128	13	also	also	ADV
fsr-3161	128	14	have	have	VERB
fsr-3161	128	15	a	a	DET
fsr-3161	128	16	bearing	bearing	NOUN
fsr-3161	128	17	on	on	ADP
fsr-3161	128	18	retirement	retirement	NOUN
fsr-3161	128	19	planning	planning	NOUN
fsr-3161	128	20	decisions	decision	NOUN
fsr-3161	128	21	.	.	PUNCT
fsr-3161	129	1	modern	modern	ADJ
fsr-3161	129	2	seminal	seminal	ADJ
fsr-3161	129	3	work	work	NOUN
fsr-3161	129	4	regarding	regard	VERB
fsr-3161	129	5	intergenerational	intergenerational	ADJ
fsr-3161	129	6	transfers	transfer	NOUN
fsr-3161	129	7	was	be	AUX
fsr-3161	129	8	performed	perform	VERB
fsr-3161	129	9	by	by	ADP
fsr-3161	129	10	becker	becker	PROPN
fsr-3161	129	11	(	(	PUNCT
fsr-3161	129	12	1974	1974	NUM
fsr-3161	129	13	)	)	PUNCT
fsr-3161	129	14	who	who	PRON
fsr-3161	129	15	assumed	assume	VERB
fsr-3161	129	16	that	that	SCONJ
fsr-3161	129	17	altruism	altruism	NOUN
fsr-3161	129	18	motivated	motivate	VERB
fsr-3161	129	19	these	these	DET
fsr-3161	129	20	transfers	transfer	NOUN
fsr-3161	129	21	.	.	PUNCT
fsr-3161	130	1	later	later	PROPN
fsr-3161	130	2	literature	literature	PROPN
fsr-3161	130	3	also	also	ADV
fsr-3161	130	4	explored	explore	VERB
fsr-3161	130	5	the	the	DET
fsr-3161	130	6	alternative	alternative	ADJ
fsr-3161	130	7	motive	motive	NOUN
fsr-3161	130	8	that	that	SCONJ
fsr-3161	130	9	any	any	DET
fsr-3161	130	10	intergenerational	intergenerational	ADJ
fsr-3161	130	11	transfer	transfer	NOUN
fsr-3161	130	12	proffered	proffer	VERB
fsr-3161	130	13	was	be	AUX
fsr-3161	130	14	done	do	VERB
fsr-3161	130	15	so	so	ADV
fsr-3161	130	16	with	with	ADP
fsr-3161	130	17	the	the	DET
fsr-3161	130	18	expectation	expectation	NOUN
fsr-3161	130	19	of	of	ADP
fsr-3161	130	20	getting	get	VERB
fsr-3161	130	21	the	the	DET
fsr-3161	130	22	favor	favor	NOUN
fsr-3161	130	23	returned	return	VERB
fsr-3161	130	24	in	in	ADP
fsr-3161	130	25	the	the	DET
fsr-3161	130	26	future	future	NOUN
fsr-3161	130	27	(	(	PUNCT
fsr-3161	130	28	cox	cox	PROPN
fsr-3161	130	29	et	et	PROPN
fsr-3161	130	30	al	al	PROPN
fsr-3161	130	31	.	.	PROPN
fsr-3161	130	32	,	,	PUNCT
fsr-3161	130	33	1998	1998	NUM
fsr-3161	130	34	)	)	PUNCT
fsr-3161	130	35	rather	rather	ADV
fsr-3161	130	36	than	than	ADP
fsr-3161	130	37	more	more	ADJ
fsr-3161	130	38	altruistic	altruistic	ADJ
fsr-3161	130	39	motives	motive	NOUN
fsr-3161	130	40	(	(	PUNCT
fsr-3161	130	41	cigno	cigno	ADJ
fsr-3161	130	42	,	,	PUNCT
fsr-3161	130	43	1993	1993	NUM
fsr-3161	130	44	)	)	PUNCT
fsr-3161	130	45	.	.	PUNCT
fsr-3161	131	1	in	in	ADP
fsr-3161	131	2	many	many	ADJ
fsr-3161	131	3	cultures	culture	NOUN
fsr-3161	131	4	throughout	throughout	ADP
fsr-3161	131	5	history	history	NOUN
fsr-3161	131	6	,	,	PUNCT
fsr-3161	131	7	family	family	NOUN
fsr-3161	131	8	expectations	expectation	NOUN
fsr-3161	131	9	b.	b.	PROPN
fsr-3161	131	10	t.	t.	PROPN
fsr-3161	131	11	starr	starr	PROPN
fsr-3161	131	12	/	/	SYM
fsr-3161	131	13	financial	financial	ADJ
fsr-3161	131	14	services	service	NOUN
fsr-3161	131	15	review	review	VERB
fsr-3161	131	16	30	30	NUM
fsr-3161	131	17	(	(	PUNCT
fsr-3161	131	18	2022	2022	NUM
fsr-3161	131	19	)	)	PUNCT
fsr-3161	131	20	251–271	251–271	NUM
fsr-3161	131	21	257	257	NUM
fsr-3161	131	22	included	include	VERB
fsr-3161	131	23	caring	care	VERB
fsr-3161	131	24	for	for	ADP
fsr-3161	131	25	those	those	PRON
fsr-3161	131	26	who	who	PRON
fsr-3161	131	27	could	could	AUX
fsr-3161	131	28	not	not	PART
fsr-3161	131	29	care	care	VERB
fsr-3161	131	30	for	for	ADP
fsr-3161	131	31	themselves	themselves	PRON
fsr-3161	131	32	(	(	PUNCT
fsr-3161	131	33	see	see	VERB
fsr-3161	131	34	i	i	PRON
fsr-3161	131	35	timothy	timothy	VERB
fsr-3161	131	36	5:8	5:8	NUM
fsr-3161	131	37	for	for	ADP
fsr-3161	131	38	an	an	DET
fsr-3161	131	39	ancient	ancient	ADJ
fsr-3161	131	40	dictum	dictum	NOUN
fsr-3161	131	41	to	to	PART
fsr-3161	131	42	provide	provide	VERB
fsr-3161	131	43	for	for	ADP
fsr-3161	131	44	one	one	NUM
fsr-3161	131	45	’s	’s	PART
fsr-3161	131	46	immediate	immediate	ADJ
fsr-3161	131	47	family	family	NOUN
fsr-3161	131	48	)	)	PUNCT
fsr-3161	131	49	.	.	PUNCT
fsr-3161	132	1	societal	societal	ADJ
fsr-3161	132	2	laws	law	NOUN
fsr-3161	132	3	and	and	CCONJ
fsr-3161	132	4	mores	more	NOUN
fsr-3161	132	5	are	be	AUX
fsr-3161	132	6	still	still	ADV
fsr-3161	132	7	such	such	ADJ
fsr-3161	132	8	that	that	SCONJ
fsr-3161	132	9	those	those	PRON
fsr-3161	132	10	who	who	PRON
fsr-3161	132	11	will	will	AUX
fsr-3161	132	12	not	not	PART
fsr-3161	132	13	provide	provide	VERB
fsr-3161	132	14	for	for	ADP
fsr-3161	132	15	their	their	PRON
fsr-3161	132	16	own	own	ADJ
fsr-3161	132	17	children	child	NOUN
fsr-3161	132	18	are	be	AUX
fsr-3161	132	19	viewed	view	VERB
fsr-3161	132	20	dimly	dimly	ADV
fsr-3161	132	21	.	.	PUNCT
fsr-3161	133	1	care	care	VERB
fsr-3161	133	2	for	for	ADP
fsr-3161	133	3	one	one	NUM
fsr-3161	133	4	’s	’s	PART
fsr-3161	133	5	elderly	elderly	ADJ
fsr-3161	133	6	parents	parent	NOUN
fsr-3161	133	7	,	,	PUNCT
fsr-3161	133	8	however	however	ADV
fsr-3161	133	9	,	,	PUNCT
fsr-3161	133	10	might	might	AUX
fsr-3161	133	11	generate	generate	VERB
fsr-3161	133	12	a	a	DET
fsr-3161	133	13	broader	broad	ADJ
fsr-3161	133	14	array	array	NOUN
fsr-3161	133	15	of	of	ADP
fsr-3161	133	16	responses	response	NOUN
fsr-3161	133	17	.	.	PUNCT
fsr-3161	134	1	while	while	SCONJ
fsr-3161	134	2	children	child	NOUN
fsr-3161	134	3	have	have	VERB
fsr-3161	134	4	no	no	DET
fsr-3161	134	5	means	mean	NOUN
fsr-3161	134	6	by	by	ADP
fsr-3161	134	7	which	which	PRON
fsr-3161	134	8	to	to	PART
fsr-3161	134	9	care	care	VERB
fsr-3161	134	10	for	for	ADP
fsr-3161	134	11	themselves	themselves	PRON
fsr-3161	134	12	,	,	PUNCT
fsr-3161	134	13	aged	aged	ADJ
fsr-3161	134	14	parents	parent	NOUN
fsr-3161	134	15	have	have	AUX
fsr-3161	134	16	presumably	presumably	ADV
fsr-3161	134	17	had	have	VERB
fsr-3161	134	18	a	a	DET
fsr-3161	134	19	working	work	VERB
fsr-3161	134	20	lifetime	lifetime	NOUN
fsr-3161	134	21	to	to	PART
fsr-3161	134	22	accumulate	accumulate	VERB
fsr-3161	134	23	retirement	retirement	NOUN
fsr-3161	134	24	savings	saving	NOUN
fsr-3161	134	25	and	and	CCONJ
fsr-3161	134	26	,	,	PUNCT
fsr-3161	134	27	in	in	ADP
fsr-3161	134	28	many	many	ADJ
fsr-3161	134	29	cases	case	NOUN
fsr-3161	134	30	,	,	PUNCT
fsr-3161	134	31	a	a	DET
fsr-3161	134	32	retirement	retirement	NOUN
fsr-3161	134	33	benefit	benefit	NOUN
fsr-3161	134	34	stream	stream	NOUN
fsr-3161	134	35	from	from	ADP
fsr-3161	134	36	a	a	DET
fsr-3161	134	37	government	government	NOUN
fsr-3161	134	38	-	-	PUNCT
fsr-3161	134	39	funded	fund	VERB
fsr-3161	134	40	plan	plan	NOUN
fsr-3161	134	41	.	.	PUNCT
fsr-3161	135	1	most	most	ADJ
fsr-3161	135	2	savings	saving	NOUN
fsr-3161	135	3	models	model	NOUN
fsr-3161	135	4	simply	simply	ADV
fsr-3161	135	5	focus	focus	VERB
fsr-3161	135	6	on	on	ADP
fsr-3161	135	7	the	the	DET
fsr-3161	135	8	rational	rational	ADJ
fsr-3161	135	9	choice	choice	NOUN
fsr-3161	135	10	of	of	ADP
fsr-3161	135	11	a	a	DET
fsr-3161	135	12	purely	purely	ADV
fsr-3161	135	13	introspective	introspective	ADJ
fsr-3161	135	14	agent	agent	NOUN
fsr-3161	135	15	,	,	PUNCT
fsr-3161	135	16	but	but	CCONJ
fsr-3161	135	17	some	some	DET
fsr-3161	135	18	studies	study	NOUN
fsr-3161	135	19	invoke	invoke	VERB
fsr-3161	135	20	the	the	DET
fsr-3161	135	21	tools	tool	NOUN
fsr-3161	135	22	of	of	ADP
fsr-3161	135	23	game	game	NOUN
fsr-3161	135	24	theory	theory	NOUN
fsr-3161	135	25	to	to	PART
fsr-3161	135	26	help	help	VERB
fsr-3161	135	27	systematize	systematize	VERB
fsr-3161	135	28	behavior	behavior	NOUN
fsr-3161	135	29	that	that	PRON
fsr-3161	135	30	is	be	AUX
fsr-3161	135	31	otherwise	otherwise	ADV
fsr-3161	135	32	difficult	difficult	ADJ
fsr-3161	135	33	to	to	PART
fsr-3161	135	34	rationally	rationally	ADV
fsr-3161	135	35	explain	explain	VERB
fsr-3161	135	36	(	(	PUNCT
fsr-3161	135	37	cigno	cigno	ADJ
fsr-3161	135	38	,	,	PUNCT
fsr-3161	135	39	1993	1993	NUM
fsr-3161	135	40	)	)	PUNCT
fsr-3161	135	41	.	.	PUNCT
fsr-3161	136	1	appendix	appendix	NOUN
fsr-3161	136	2	briefly	briefly	ADV
fsr-3161	136	3	presents	present	VERB
fsr-3161	136	4	a	a	DET
fsr-3161	136	5	set	set	NOUN
fsr-3161	136	6	of	of	ADP
fsr-3161	136	7	simple	simple	ADJ
fsr-3161	136	8	games	game	NOUN
fsr-3161	136	9	between	between	ADP
fsr-3161	136	10	parents	parent	NOUN
fsr-3161	136	11	,	,	PUNCT
fsr-3161	136	12	their	their	PRON
fsr-3161	136	13	children	child	NOUN
fsr-3161	136	14	,	,	PUNCT
fsr-3161	136	15	and	and	CCONJ
fsr-3161	136	16	the	the	DET
fsr-3161	136	17	government	government	NOUN
fsr-3161	136	18	.	.	PUNCT
fsr-3161	137	1	the	the	DET
fsr-3161	137	2	games	game	NOUN
fsr-3161	137	3	are	be	AUX
fsr-3161	137	4	presented	present	VERB
fsr-3161	137	5	in	in	ADP
fsr-3161	137	6	extensive	extensive	ADJ
fsr-3161	137	7	form	form	NOUN
fsr-3161	137	8	for	for	ADP
fsr-3161	137	9	visual	visual	ADJ
fsr-3161	137	10	clarity	clarity	NOUN
fsr-3161	137	11	.	.	PUNCT
fsr-3161	138	1	in	in	ADP
fsr-3161	138	2	each	each	DET
fsr-3161	138	3	case	case	NOUN
fsr-3161	138	4	the	the	DET
fsr-3161	138	5	parent	parent	NOUN
fsr-3161	138	6	can	can	AUX
fsr-3161	138	7	be	be	AUX
fsr-3161	138	8	alternatively	alternatively	ADV
fsr-3161	138	9	viewed	view	VERB
fsr-3161	138	10	in	in	ADP
fsr-3161	138	11	one	one	NUM
fsr-3161	138	12	of	of	ADP
fsr-3161	138	13	two	two	NUM
fsr-3161	138	14	ways	way	NOUN
fsr-3161	138	15	.	.	PUNCT
fsr-3161	139	1	in	in	ADP
fsr-3161	139	2	the	the	DET
fsr-3161	139	3	more	more	ADV
fsr-3161	139	4	pejorative	pejorative	ADJ
fsr-3161	139	5	view	view	NOUN
fsr-3161	139	6	,	,	PUNCT
fsr-3161	139	7	the	the	DET
fsr-3161	139	8	parent	parent	NOUN
fsr-3161	139	9	is	be	AUX
fsr-3161	139	10	selfish	selfish	ADJ
fsr-3161	139	11	and	and	CCONJ
fsr-3161	139	12	cares	care	VERB
fsr-3161	139	13	nothing	nothing	PRON
fsr-3161	139	14	for	for	ADP
fsr-3161	139	15	the	the	DET
fsr-3161	139	16	welfare	welfare	NOUN
fsr-3161	139	17	of	of	ADP
fsr-3161	139	18	his	his	PRON
fsr-3161	139	19	or	or	CCONJ
fsr-3161	139	20	her	her	PRON
fsr-3161	139	21	children	child	NOUN
fsr-3161	139	22	.	.	PUNCT
fsr-3161	140	1	in	in	ADP
fsr-3161	140	2	the	the	DET
fsr-3161	140	3	more	more	ADV
fsr-3161	140	4	forgiving	forgiving	ADJ
fsr-3161	140	5	view	view	NOUN
fsr-3161	140	6	,	,	PUNCT
fsr-3161	140	7	the	the	DET
fsr-3161	140	8	parent	parent	NOUN
fsr-3161	140	9	’s	’s	PART
fsr-3161	140	10	expectation	expectation	NOUN
fsr-3161	140	11	is	be	AUX
fsr-3161	140	12	that	that	SCONJ
fsr-3161	140	13	he	he	PRON
fsr-3161	140	14	or	or	CCONJ
fsr-3161	140	15	she	she	PRON
fsr-3161	140	16	will	will	AUX
fsr-3161	140	17	provide	provide	VERB
fsr-3161	140	18	for	for	ADP
fsr-3161	140	19	both	both	PRON
fsr-3161	140	20	children	child	NOUN
fsr-3161	140	21	and	and	CCONJ
fsr-3161	140	22	geriatric	geriatric	ADJ
fsr-3161	140	23	parents	parent	NOUN
fsr-3161	140	24	and	and	CCONJ
fsr-3161	140	25	that	that	SCONJ
fsr-3161	140	26	the	the	DET
fsr-3161	140	27	children	child	NOUN
fsr-3161	140	28	,	,	PUNCT
fsr-3161	140	29	in	in	ADP
fsr-3161	140	30	turn	turn	NOUN
fsr-3161	140	31	,	,	PUNCT
fsr-3161	140	32	might	might	AUX
fsr-3161	140	33	return	return	VERB
fsr-3161	140	34	the	the	DET
fsr-3161	140	35	favor	favor	NOUN
fsr-3161	140	36	.	.	PUNCT
fsr-3161	141	1	for	for	ADP
fsr-3161	141	2	simplicity	simplicity	NOUN
fsr-3161	141	3	,	,	PUNCT
fsr-3161	141	4	we	we	PRON
fsr-3161	141	5	assume	assume	VERB
fsr-3161	141	6	a	a	DET
fsr-3161	141	7	sequential	sequential	ADJ
fsr-3161	141	8	game	game	NOUN
fsr-3161	141	9	of	of	ADP
fsr-3161	141	10	full	full	ADJ
fsr-3161	141	11	information	information	NOUN
fsr-3161	141	12	.	.	PUNCT
fsr-3161	142	1	a	a	DET
fsr-3161	142	2	more	more	ADV
fsr-3161	142	3	realistic	realistic	ADJ
fsr-3161	142	4	game	game	NOUN
fsr-3161	142	5	might	might	AUX
fsr-3161	142	6	be	be	AUX
fsr-3161	142	7	one	one	NUM
fsr-3161	142	8	of	of	ADP
fsr-3161	142	9	the	the	DET
fsr-3161	142	10	simultaneous	simultaneous	ADJ
fsr-3161	142	11	moves	move	NOUN
fsr-3161	142	12	with	with	ADP
fsr-3161	142	13	incomplete	incomplete	ADJ
fsr-3161	142	14	information	information	NOUN
fsr-3161	142	15	on	on	ADP
fsr-3161	142	16	the	the	DET
fsr-3161	142	17	payoffs	payoff	NOUN
fsr-3161	142	18	of	of	ADP
fsr-3161	142	19	other	other	ADJ
fsr-3161	142	20	players	player	NOUN
fsr-3161	142	21	,	,	PUNCT
fsr-3161	142	22	but	but	CCONJ
fsr-3161	142	23	the	the	DET
fsr-3161	142	24	game	game	NOUN
fsr-3161	142	25	is	be	AUX
fsr-3161	142	26	styled	style	VERB
fsr-3161	142	27	simply	simply	ADV
fsr-3161	142	28	to	to	PART
fsr-3161	142	29	make	make	VERB
fsr-3161	142	30	some	some	DET
fsr-3161	142	31	basic	basic	ADJ
fsr-3161	142	32	points	point	NOUN
fsr-3161	142	33	.	.	PUNCT
fsr-3161	143	1	in	in	ADP
fsr-3161	143	2	the	the	DET
fsr-3161	143	3	initial	initial	ADJ
fsr-3161	143	4	game	game	NOUN
fsr-3161	143	5	,	,	PUNCT
fsr-3161	143	6	parents	parent	NOUN
fsr-3161	143	7	move	move	VERB
fsr-3161	143	8	first	first	ADV
fsr-3161	143	9	,	,	PUNCT
fsr-3161	143	10	deciding	decide	VERB
fsr-3161	143	11	whether	whether	SCONJ
fsr-3161	143	12	to	to	PART
fsr-3161	143	13	save	save	VERB
fsr-3161	143	14	for	for	ADP
fsr-3161	143	15	retirement	retirement	NOUN
fsr-3161	143	16	.	.	PUNCT
fsr-3161	144	1	children	child	NOUN
fsr-3161	144	2	observe	observe	VERB
fsr-3161	144	3	their	their	PRON
fsr-3161	144	4	parents	parent	NOUN
fsr-3161	144	5	’	’	PART
fsr-3161	144	6	actions	action	NOUN
fsr-3161	144	7	and	and	CCONJ
fsr-3161	144	8	then	then	ADV
fsr-3161	144	9	decide	decide	VERB
fsr-3161	144	10	,	,	PUNCT
fsr-3161	144	11	if	if	SCONJ
fsr-3161	144	12	the	the	DET
fsr-3161	144	13	parent	parent	NOUN
fsr-3161	144	14	has	have	AUX
fsr-3161	144	15	elected	elect	VERB
fsr-3161	144	16	not	not	PART
fsr-3161	144	17	to	to	PART
fsr-3161	144	18	save	save	VERB
fsr-3161	144	19	,	,	PUNCT
fsr-3161	144	20	whether	whether	SCONJ
fsr-3161	144	21	to	to	PART
fsr-3161	144	22	effectively	effectively	ADV
fsr-3161	144	23	“	"	PUNCT
fsr-3161	144	24	bail	bail	NOUN
fsr-3161	144	25	”	"	PUNCT
fsr-3161	144	26	out	out	ADP
fsr-3161	144	27	the	the	DET
fsr-3161	144	28	parent	parent	NOUN
fsr-3161	144	29	.	.	PUNCT
fsr-3161	145	1	the	the	DET
fsr-3161	145	2	subgame	subgame	PROPN
fsr-3161	145	3	perfect	perfect	PROPN
fsr-3161	145	4	equilibrium	equilibrium	NOUN
fsr-3161	145	5	,	,	PUNCT
fsr-3161	145	6	of	of	ADP
fsr-3161	145	7	course	course	NOUN
fsr-3161	145	8	,	,	PUNCT
fsr-3161	145	9	depends	depend	VERB
fsr-3161	145	10	on	on	ADP
fsr-3161	145	11	the	the	DET
fsr-3161	145	12	child	child	NOUN
fsr-3161	145	13	’s	’s	PART
fsr-3161	145	14	altruism	altruism	NOUN
fsr-3161	145	15	toward	toward	ADP
fsr-3161	145	16	parents	parent	NOUN
fsr-3161	145	17	and	and	CCONJ
fsr-3161	145	18	the	the	DET
fsr-3161	145	19	perception	perception	NOUN
fsr-3161	145	20	of	of	ADP
fsr-3161	145	21	the	the	DET
fsr-3161	145	22	parents	parent	NOUN
fsr-3161	145	23	on	on	ADP
fsr-3161	145	24	that	that	DET
fsr-3161	145	25	altruism	altruism	NOUN
fsr-3161	145	26	.	.	PUNCT
fsr-3161	146	1	a	a	DET
fsr-3161	146	2	more	more	ADV
fsr-3161	146	3	interesting	interesting	ADJ
fsr-3161	146	4	version	version	NOUN
fsr-3161	146	5	of	of	ADP
fsr-3161	146	6	the	the	DET
fsr-3161	146	7	game	game	NOUN
fsr-3161	146	8	is	be	AUX
fsr-3161	146	9	sketched	sketch	VERB
fsr-3161	146	10	in	in	ADP
fsr-3161	146	11	game	game	NOUN
fsr-3161	146	12	2	2	NUM
fsr-3161	146	13	,	,	PUNCT
fsr-3161	146	14	where	where	SCONJ
fsr-3161	146	15	the	the	DET
fsr-3161	146	16	government	government	NOUN
fsr-3161	146	17	also	also	ADV
fsr-3161	146	18	enters	enter	VERB
fsr-3161	146	19	the	the	DET
fsr-3161	146	20	picture	picture	NOUN
fsr-3161	146	21	.	.	PUNCT
fsr-3161	147	1	given	give	VERB
fsr-3161	147	2	recent	recent	ADJ
fsr-3161	147	3	governmental	governmental	ADJ
fsr-3161	147	4	intervention	intervention	NOUN
fsr-3161	147	5	in	in	ADP
fsr-3161	147	6	the	the	DET
fsr-3161	147	7	economy	economy	NOUN
fsr-3161	147	8	,	,	PUNCT
fsr-3161	147	9	it	it	PRON
fsr-3161	147	10	seems	seem	VERB
fsr-3161	147	11	reasonable	reasonable	ADJ
fsr-3161	147	12	to	to	PART
fsr-3161	147	13	postulate	postulate	VERB
fsr-3161	147	14	that	that	SCONJ
fsr-3161	147	15	the	the	DET
fsr-3161	147	16	government	government	NOUN
fsr-3161	147	17	might	might	AUX
fsr-3161	147	18	go	go	VERB
fsr-3161	147	19	into	into	ADP
fsr-3161	147	20	deeper	deep	ADJ
fsr-3161	147	21	deficit	deficit	NOUN
fsr-3161	147	22	spending	spending	NOUN
fsr-3161	147	23	mode	mode	NOUN
fsr-3161	147	24	to	to	PART
fsr-3161	147	25	enhance	enhance	VERB
fsr-3161	147	26	social	social	ADJ
fsr-3161	147	27	security	security	NOUN
fsr-3161	147	28	payouts	payout	NOUN
fsr-3161	147	29	to	to	PART
fsr-3161	147	30	prevent	prevent	VERB
fsr-3161	147	31	rampant	rampant	ADJ
fsr-3161	147	32	geriatric	geriatric	ADJ
fsr-3161	147	33	poverty	poverty	NOUN
fsr-3161	147	34	among	among	ADP
fsr-3161	147	35	the	the	DET
fsr-3161	147	36	aged	aged	ADJ
fsr-3161	147	37	who	who	PRON
fsr-3161	147	38	have	have	AUX
fsr-3161	147	39	failed	fail	VERB
fsr-3161	147	40	to	to	PART
fsr-3161	147	41	save	save	VERB
fsr-3161	147	42	for	for	ADP
fsr-3161	147	43	retirement	retirement	NOUN
fsr-3161	147	44	.	.	PUNCT
fsr-3161	148	1	the	the	DET
fsr-3161	148	2	government	government	NOUN
fsr-3161	148	3	moves	move	VERB
fsr-3161	148	4	second	second	ADV
fsr-3161	148	5	and	and	CCONJ
fsr-3161	148	6	whether	whether	SCONJ
fsr-3161	148	7	it	it	PRON
fsr-3161	148	8	decides	decide	VERB
fsr-3161	148	9	to	to	PART
fsr-3161	148	10	bail	bail	VERB
fsr-3161	148	11	out	out	ADP
fsr-3161	148	12	the	the	DET
fsr-3161	148	13	non	non	ADJ
fsr-3161	148	14	-	-	ADJ
fsr-3161	148	15	saving	saving	ADJ
fsr-3161	148	16	parent	parent	NOUN
fsr-3161	148	17	is	be	AUX
fsr-3161	148	18	a	a	DET
fsr-3161	148	19	function	function	NOUN
fsr-3161	148	20	of	of	ADP
fsr-3161	148	21	its	its	PRON
fsr-3161	148	22	own	own	ADJ
fsr-3161	148	23	empathy	empathy	NOUN
fsr-3161	148	24	versus	versus	ADP
fsr-3161	148	25	the	the	DET
fsr-3161	148	26	deadweight	deadweight	NOUN
fsr-3161	148	27	loss	loss	NOUN
fsr-3161	148	28	associated	associate	VERB
fsr-3161	148	29	with	with	ADP
fsr-3161	148	30	a	a	DET
fsr-3161	148	31	bailout	bailout	NOUN
fsr-3161	148	32	.	.	PUNCT
fsr-3161	149	1	it	it	PRON
fsr-3161	149	2	is	be	AUX
fsr-3161	149	3	also	also	ADV
fsr-3161	149	4	a	a	DET
fsr-3161	149	5	function	function	NOUN
fsr-3161	149	6	of	of	ADP
fsr-3161	149	7	its	its	PRON
fsr-3161	149	8	belief	belief	NOUN
fsr-3161	149	9	about	about	ADP
fsr-3161	149	10	what	what	PRON
fsr-3161	149	11	the	the	DET
fsr-3161	149	12	child	child	NOUN
fsr-3161	149	13	as	as	ADP
fsr-3161	149	14	last	last	ADJ
fsr-3161	149	15	mover	mover	NOUN
fsr-3161	149	16	will	will	AUX
fsr-3161	149	17	do	do	AUX
fsr-3161	149	18	.	.	PUNCT
fsr-3161	150	1	we	we	PRON
fsr-3161	150	2	reverse	reverse	VERB
fsr-3161	150	3	the	the	DET
fsr-3161	150	4	order	order	NOUN
fsr-3161	150	5	of	of	ADP
fsr-3161	150	6	child	child	NOUN
fsr-3161	150	7	and	and	CCONJ
fsr-3161	150	8	government	government	NOUN
fsr-3161	150	9	in	in	ADP
fsr-3161	150	10	game	game	NOUN
fsr-3161	150	11	3	3	NUM
fsr-3161	150	12	to	to	PART
fsr-3161	150	13	demonstrate	demonstrate	VERB
fsr-3161	150	14	the	the	DET
fsr-3161	150	15	advantage	advantage	NOUN
fsr-3161	150	16	of	of	ADP
fsr-3161	150	17	priority	priority	NOUN
fsr-3161	150	18	when	when	SCONJ
fsr-3161	150	19	all	all	DET
fsr-3161	150	20	payoffs	payoff	NOUN
fsr-3161	150	21	are	be	AUX
fsr-3161	150	22	known	know	VERB
fsr-3161	150	23	.	.	PUNCT
fsr-3161	151	1	the	the	DET
fsr-3161	151	2	altruistic	altruistic	ADJ
fsr-3161	151	3	second	second	ADJ
fsr-3161	151	4	mover	mover	NOUN
fsr-3161	151	5	has	have	VERB
fsr-3161	151	6	the	the	DET
fsr-3161	151	7	luxury	luxury	NOUN
fsr-3161	151	8	of	of	ADP
fsr-3161	151	9	foregoing	forego	VERB
fsr-3161	151	10	a	a	DET
fsr-3161	151	11	costly	costly	ADJ
fsr-3161	151	12	bailout	bailout	NOUN
fsr-3161	151	13	of	of	ADP
fsr-3161	151	14	the	the	DET
fsr-3161	151	15	non	non	ADJ
fsr-3161	151	16	-	-	ADJ
fsr-3161	151	17	saving	saving	ADJ
fsr-3161	151	18	parent	parent	NOUN
fsr-3161	151	19	if	if	SCONJ
fsr-3161	151	20	it	it	PRON
fsr-3161	151	21	knows	know	VERB
fsr-3161	151	22	that	that	SCONJ
fsr-3161	151	23	the	the	DET
fsr-3161	151	24	final	final	ADJ
fsr-3161	151	25	mover	mover	NOUN
fsr-3161	151	26	will	will	AUX
fsr-3161	151	27	fund	fund	VERB
fsr-3161	151	28	the	the	DET
fsr-3161	151	29	mutually	mutually	ADV
fsr-3161	151	30	desired	desire	VERB
fsr-3161	151	31	wealth	wealth	NOUN
fsr-3161	151	32	transfer	transfer	NOUN
fsr-3161	151	33	.	.	PUNCT
fsr-3161	152	1	and	and	CCONJ
fsr-3161	152	2	,	,	PUNCT
fsr-3161	152	3	of	of	ADP
fsr-3161	152	4	course	course	NOUN
fsr-3161	152	5	,	,	PUNCT
fsr-3161	152	6	in	in	ADP
fsr-3161	152	7	all	all	DET
fsr-3161	152	8	games	game	NOUN
fsr-3161	152	9	the	the	DET
fsr-3161	152	10	rational	rational	ADJ
fsr-3161	152	11	parent	parent	NOUN
fsr-3161	152	12	who	who	PRON
fsr-3161	152	13	expects	expect	VERB
fsr-3161	152	14	to	to	PART
fsr-3161	152	15	live	live	VERB
fsr-3161	152	16	to	to	ADP
fsr-3161	152	17	retirement	retirement	NOUN
fsr-3161	152	18	will	will	AUX
fsr-3161	152	19	elect	elect	VERB
fsr-3161	152	20	to	to	PART
fsr-3161	152	21	save	save	VERB
fsr-3161	152	22	if	if	SCONJ
fsr-3161	152	23	it	it	PRON
fsr-3161	152	24	believes	believe	VERB
fsr-3161	152	25	that	that	SCONJ
fsr-3161	152	26	there	there	PRON
fsr-3161	152	27	are	be	VERB
fsr-3161	152	28	no	no	DET
fsr-3161	152	29	other	other	ADJ
fsr-3161	152	30	players	player	NOUN
fsr-3161	152	31	who	who	PRON
fsr-3161	152	32	will	will	AUX
fsr-3161	152	33	bail	bail	VERB
fsr-3161	152	34	them	they	PRON
fsr-3161	152	35	out	out	ADP
fsr-3161	152	36	.	.	PUNCT
fsr-3161	153	1	a	a	DET
fsr-3161	153	2	reasonable	reasonable	ADJ
fsr-3161	153	3	assumption	assumption	NOUN
fsr-3161	153	4	on	on	ADP
fsr-3161	153	5	the	the	DET
fsr-3161	153	6	coefficient	coefficient	NOUN
fsr-3161	153	7	d	d	X
fsr-3161	153	8	(	(	PUNCT
fsr-3161	153	9	<	<	NOUN
fsr-3161	153	10	1	1	NUM
fsr-3161	153	11	)	)	PUNCT
fsr-3161	153	12	ensures	ensure	VERB
fsr-3161	153	13	that	that	SCONJ
fsr-3161	153	14	the	the	DET
fsr-3161	153	15	parent	parent	NOUN
fsr-3161	153	16	would	would	AUX
fsr-3161	153	17	rather	rather	ADV
fsr-3161	153	18	save	save	VERB
fsr-3161	153	19	some	some	PRON
fsr-3161	153	20	now	now	ADV
fsr-3161	153	21	than	than	SCONJ
fsr-3161	153	22	to	to	PART
fsr-3161	153	23	suffer	suffer	VERB
fsr-3161	153	24	or	or	CCONJ
fsr-3161	153	25	prematurely	prematurely	ADV
fsr-3161	153	26	expire	expire	VERB
fsr-3161	153	27	due	due	ADJ
fsr-3161	153	28	to	to	ADP
fsr-3161	153	29	insufficient	insufficient	ADJ
fsr-3161	153	30	post	post	ADJ
fsr-3161	153	31	-	-	ADJ
fsr-3161	153	32	retirement	retirement	ADJ
fsr-3161	153	33	resources	resource	NOUN
fsr-3161	153	34	.	.	PUNCT
fsr-3161	154	1	suppose	suppose	VERB
fsr-3161	154	2	parents	parent	NOUN
fsr-3161	154	3	believe	believe	VERB
fsr-3161	154	4	that	that	SCONJ
fsr-3161	154	5	their	their	PRON
fsr-3161	154	6	children	child	NOUN
fsr-3161	154	7	will	will	AUX
fsr-3161	154	8	help	help	VERB
fsr-3161	154	9	care	care	VERB
fsr-3161	154	10	for	for	ADP
fsr-3161	154	11	them	they	PRON
fsr-3161	154	12	in	in	ADP
fsr-3161	154	13	retirement	retirement	NOUN
fsr-3161	154	14	and	and	CCONJ
fsr-3161	154	15	that	that	SCONJ
fsr-3161	154	16	these	these	DET
fsr-3161	154	17	parents	parent	NOUN
fsr-3161	154	18	fit	fit	VERB
fsr-3161	154	19	the	the	DET
fsr-3161	154	20	mold	mold	NOUN
fsr-3161	154	21	described	describe	VERB
fsr-3161	154	22	for	for	ADP
fsr-3161	154	23	our	our	PRON
fsr-3161	154	24	simple	simple	ADJ
fsr-3161	154	25	games	game	NOUN
fsr-3161	154	26	.	.	PUNCT
fsr-3161	155	1	in	in	ADP
fsr-3161	155	2	that	that	DET
fsr-3161	155	3	case	case	NOUN
fsr-3161	155	4	,	,	PUNCT
fsr-3161	155	5	the	the	DET
fsr-3161	155	6	parent	parent	NOUN
fsr-3161	155	7	will	will	AUX
fsr-3161	155	8	maximize	maximize	VERB
fsr-3161	155	9	lifetime	lifetime	NOUN
fsr-3161	155	10	utility	utility	NOUN
fsr-3161	155	11	by	by	ADP
fsr-3161	155	12	minimizing	minimize	VERB
fsr-3161	155	13	(	(	PUNCT
fsr-3161	155	14	or	or	CCONJ
fsr-3161	155	15	even	even	ADV
fsr-3161	155	16	eliminating	eliminate	VERB
fsr-3161	155	17	)	)	PUNCT
fsr-3161	155	18	retirement	retirement	NOUN
fsr-3161	155	19	savings	saving	NOUN
fsr-3161	155	20	during	during	ADP
fsr-3161	155	21	the	the	DET
fsr-3161	155	22	working	working	NOUN
fsr-3161	155	23	years	year	NOUN
fsr-3161	155	24	.	.	PUNCT
fsr-3161	156	1	we	we	PRON
fsr-3161	156	2	have	have	VERB
fsr-3161	156	3	a	a	DET
fsr-3161	156	4	theoretically	theoretically	ADV
fsr-3161	156	5	interesting	interesting	ADJ
fsr-3161	156	6	reason	reason	NOUN
fsr-3161	156	7	to	to	PART
fsr-3161	156	8	include	include	VERB
fsr-3161	156	9	in	in	ADP
fsr-3161	156	10	our	our	PRON
fsr-3161	156	11	parameters	parameter	NOUN
fsr-3161	156	12	the	the	DET
fsr-3161	156	13	variable	variable	NOUN
fsr-3161	156	14	of	of	ADP
fsr-3161	156	15	how	how	SCONJ
fsr-3161	156	16	many	many	ADJ
fsr-3161	156	17	children	child	NOUN
fsr-3161	156	18	live	live	VERB
fsr-3161	156	19	with	with	ADP
fsr-3161	156	20	the	the	DET
fsr-3161	156	21	head	head	NOUN
fsr-3161	156	22	of	of	ADP
fsr-3161	156	23	household	household	NOUN
fsr-3161	156	24	.	.	PUNCT
fsr-3161	157	1	from	from	ADP
fsr-3161	157	2	south	south	PROPN
fsr-3161	157	3	korea	korea	PROPN
fsr-3161	157	4	,	,	PUNCT
fsr-3161	157	5	we	we	PRON
fsr-3161	157	6	have	have	VERB
fsr-3161	157	7	empirical	empirical	ADJ
fsr-3161	157	8	evidence	evidence	NOUN
fsr-3161	157	9	showing	show	VERB
fsr-3161	157	10	crowding	crowd	VERB
fsr-3161	157	11	out	out	ADP
fsr-3161	157	12	by	by	ADP
fsr-3161	157	13	expanding	expand	VERB
fsr-3161	157	14	pensions	pension	NOUN
fsr-3161	157	15	of	of	ADP
fsr-3161	157	16	intergenerational	intergenerational	ADJ
fsr-3161	157	17	transfers	transfer	NOUN
fsr-3161	157	18	to	to	ADP
fsr-3161	157	19	retired	retire	VERB
fsr-3161	157	20	parents	parent	NOUN
fsr-3161	157	21	from	from	ADP
fsr-3161	157	22	their	their	PRON
fsr-3161	157	23	working	work	VERB
fsr-3161	157	24	-	-	PUNCT
fsr-3161	157	25	age	age	NOUN
fsr-3161	157	26	children	child	NOUN
fsr-3161	157	27	(	(	PUNCT
fsr-3161	157	28	jung	jung	PROPN
fsr-3161	157	29	et	et	PROPN
fsr-3161	157	30	al	al	PROPN
fsr-3161	157	31	.	.	PROPN
fsr-3161	157	32	,	,	PUNCT
fsr-3161	157	33	2016	2016	NUM
fsr-3161	157	34	)	)	PUNCT
fsr-3161	157	35	.	.	PUNCT
fsr-3161	158	1	in	in	ADP
fsr-3161	158	2	thailand	thailand	PROPN
fsr-3161	158	3	,	,	PUNCT
fsr-3161	158	4	258	258	NUM
fsr-3161	158	5	b.	b.	PROPN
fsr-3161	158	6	t.	t.	PROPN
fsr-3161	158	7	starr	starr	PROPN
fsr-3161	158	8	/	/	SYM
fsr-3161	158	9	financial	financial	ADJ
fsr-3161	158	10	services	service	NOUN
fsr-3161	158	11	review	review	VERB
fsr-3161	158	12	30	30	NUM
fsr-3161	158	13	(	(	PUNCT
fsr-3161	158	14	2022	2022	NUM
fsr-3161	158	15	)	)	PUNCT
fsr-3161	159	1	251–271	251–271	NUM
fsr-3161	159	2	expectation	expectation	NOUN
fsr-3161	159	3	of	of	ADP
fsr-3161	159	4	support	support	NOUN
fsr-3161	159	5	from	from	ADP
fsr-3161	159	6	children	child	NOUN
fsr-3161	159	7	reduces	reduce	VERB
fsr-3161	159	8	the	the	DET
fsr-3161	159	9	probability	probability	NOUN
fsr-3161	159	10	of	of	ADP
fsr-3161	159	11	retirement	retirement	NOUN
fsr-3161	159	12	savings	saving	NOUN
fsr-3161	159	13	(	(	PUNCT
fsr-3161	159	14	witvorapong	witvorapong	PROPN
fsr-3161	159	15	&	&	CCONJ
fsr-3161	159	16	yoon	yoon	PROPN
fsr-3161	159	17	,	,	PUNCT
fsr-3161	159	18	2021	2021	NUM
fsr-3161	159	19	)	)	PUNCT
fsr-3161	159	20	.	.	PUNCT
fsr-3161	160	1	indeed	indeed	ADV
fsr-3161	160	2	,	,	PUNCT
fsr-3161	160	3	cross	cross	ADJ
fsr-3161	160	4	-	-	ADJ
fsr-3161	160	5	country	country	ADJ
fsr-3161	160	6	analysis	analysis	NOUN
fsr-3161	160	7	suggests	suggest	VERB
fsr-3161	160	8	,	,	PUNCT
fsr-3161	160	9	at	at	ADP
fsr-3161	160	10	least	least	ADJ
fsr-3161	160	11	in	in	ADP
fsr-3161	160	12	countries	country	NOUN
fsr-3161	160	13	without	without	ADP
fsr-3161	160	14	robust	robust	ADJ
fsr-3161	160	15	financial	financial	ADJ
fsr-3161	160	16	markets	market	NOUN
fsr-3161	160	17	,	,	PUNCT
fsr-3161	160	18	children	child	NOUN
fsr-3161	160	19	represent	represent	VERB
fsr-3161	160	20	a	a	DET
fsr-3161	160	21	de	de	X
fsr-3161	160	22	facto	facto	X
fsr-3161	160	23	retirement	retirement	NOUN
fsr-3161	160	24	savings	saving	NOUN
fsr-3161	160	25	(	(	PUNCT
fsr-3161	160	26	galasso	galasso	NOUN
fsr-3161	160	27	et	et	PROPN
fsr-3161	160	28	al	al	PROPN
fsr-3161	160	29	.	.	PROPN
fsr-3161	160	30	,	,	PUNCT
fsr-3161	160	31	2009	2009	NUM
fsr-3161	160	32	)	)	PUNCT
fsr-3161	160	33	.	.	PUNCT
fsr-3161	161	1	we	we	PRON
fsr-3161	161	2	will	will	AUX
fsr-3161	161	3	examine	examine	VERB
fsr-3161	161	4	whether	whether	SCONJ
fsr-3161	161	5	a	a	DET
fsr-3161	161	6	correlated	correlate	VERB
fsr-3161	161	7	phenomenon	phenomenon	NOUN
fsr-3161	161	8	might	might	AUX
fsr-3161	161	9	be	be	AUX
fsr-3161	161	10	happening	happen	VERB
fsr-3161	161	11	in	in	ADP
fsr-3161	161	12	the	the	DET
fsr-3161	161	13	united	united	PROPN
fsr-3161	161	14	states	states	PROPN
fsr-3161	161	15	.	.	PUNCT
fsr-3161	162	1	4	4	X
fsr-3161	162	2	.	.	X
fsr-3161	162	3	the	the	DET
fsr-3161	162	4	effects	effect	NOUN
fsr-3161	162	5	of	of	ADP
fsr-3161	162	6	altruism	altruism	NOUN
fsr-3161	162	7	the	the	DET
fsr-3161	162	8	familiar	familiar	ADJ
fsr-3161	162	9	edgeworth	edgeworth	PROPN
fsr-3161	162	10	box	box	PROPN
fsr-3161	162	11	diagram	diagram	PROPN
fsr-3161	162	12	demonstrating	demonstrate	VERB
fsr-3161	162	13	an	an	DET
fsr-3161	162	14	agent	agent	NOUN
fsr-3161	162	15	’s	’s	PART
fsr-3161	162	16	interior	interior	ADJ
fsr-3161	162	17	bliss	bliss	ADJ
fsr-3161	162	18	point	point	NOUN
fsr-3161	162	19	when	when	SCONJ
fsr-3161	162	20	said	say	VERB
fsr-3161	162	21	agent	agent	NOUN
fsr-3161	162	22	values	value	VERB
fsr-3161	162	23	the	the	DET
fsr-3161	162	24	welfare	welfare	NOUN
fsr-3161	162	25	of	of	ADP
fsr-3161	162	26	the	the	DET
fsr-3161	162	27	other	other	ADJ
fsr-3161	162	28	player	player	NOUN
fsr-3161	162	29	is	be	AUX
fsr-3161	162	30	instructive	instructive	ADJ
fsr-3161	162	31	when	when	SCONJ
fsr-3161	162	32	we	we	PRON
fsr-3161	162	33	consider	consider	VERB
fsr-3161	162	34	the	the	DET
fsr-3161	162	35	potential	potential	ADJ
fsr-3161	162	36	effect	effect	NOUN
fsr-3161	162	37	of	of	ADP
fsr-3161	162	38	altruism	altruism	NOUN
fsr-3161	162	39	on	on	ADP
fsr-3161	162	40	the	the	DET
fsr-3161	162	41	retirement	retirement	NOUN
fsr-3161	162	42	savings	saving	NOUN
fsr-3161	162	43	decision	decision	NOUN
fsr-3161	162	44	.	.	PUNCT
fsr-3161	163	1	if	if	SCONJ
fsr-3161	163	2	there	there	PRON
fsr-3161	163	3	are	be	VERB
fsr-3161	163	4	agents	agent	NOUN
fsr-3161	163	5	within	within	ADP
fsr-3161	163	6	the	the	DET
fsr-3161	163	7	economy	economy	NOUN
fsr-3161	163	8	who	who	PRON
fsr-3161	163	9	value	value	VERB
fsr-3161	163	10	the	the	DET
fsr-3161	163	11	immediate	immediate	ADJ
fsr-3161	163	12	welfare	welfare	NOUN
fsr-3161	163	13	of	of	ADP
fsr-3161	163	14	others	other	NOUN
fsr-3161	163	15	more	more	ADJ
fsr-3161	163	16	than	than	ADP
fsr-3161	163	17	their	their	PRON
fsr-3161	163	18	own	own	ADJ
fsr-3161	163	19	future	future	ADJ
fsr-3161	163	20	welfare	welfare	NOUN
fsr-3161	163	21	,	,	PUNCT
fsr-3161	163	22	we	we	PRON
fsr-3161	163	23	might	might	AUX
fsr-3161	163	24	expect	expect	VERB
fsr-3161	163	25	altruistic	altruistic	ADJ
fsr-3161	163	26	behavior	behavior	NOUN
fsr-3161	163	27	to	to	PART
fsr-3161	163	28	crowd	crowd	VERB
fsr-3161	163	29	out	out	ADP
fsr-3161	163	30	savings	saving	NOUN
fsr-3161	163	31	toward	toward	ADP
fsr-3161	163	32	future	future	ADJ
fsr-3161	163	33	consumption	consumption	NOUN
fsr-3161	163	34	.	.	PUNCT
fsr-3161	164	1	for	for	ADP
fsr-3161	164	2	example	example	NOUN
fsr-3161	164	3	,	,	PUNCT
fsr-3161	164	4	consider	consider	VERB
fsr-3161	164	5	an	an	DET
fsr-3161	164	6	agent	agent	NOUN
fsr-3161	164	7	who	who	PRON
fsr-3161	164	8	wishes	wish	VERB
fsr-3161	164	9	to	to	PART
fsr-3161	164	10	maximize	maximize	VERB
fsr-3161	164	11	the	the	DET
fsr-3161	164	12	present	present	ADJ
fsr-3161	164	13	value	value	NOUN
fsr-3161	164	14	of	of	ADP
fsr-3161	164	15	his	his	PRON
fsr-3161	164	16	lifetime	lifetime	NOUN
fsr-3161	164	17	welfare	welfare	NOUN
fsr-3161	164	18	stream	stream	PROPN
fsr-3161	164	19	w	w	NOUN
fsr-3161	164	20	which	which	PRON
fsr-3161	164	21	is	be	AUX
fsr-3161	164	22	based	base	VERB
fsr-3161	164	23	on	on	ADP
fsr-3161	164	24	some	some	DET
fsr-3161	164	25	function	function	NOUN
fsr-3161	164	26	u	u	NOUN
fsr-3161	164	27	of	of	ADP
fsr-3161	164	28	that	that	DET
fsr-3161	164	29	agent	agent	NOUN
fsr-3161	164	30	’s	’s	PART
fsr-3161	164	31	own	own	ADJ
fsr-3161	164	32	consumption	consumption	NOUN
fsr-3161	164	33	c	c	NOUN
fsr-3161	164	34	and	and	CCONJ
fsr-3161	164	35	an	an	DET
fsr-3161	164	36	altruistic	altruistic	NOUN
fsr-3161	164	37	valuing	valuing	NOUN
fsr-3161	164	38	of	of	ADP
fsr-3161	164	39	the	the	DET
fsr-3161	164	40	consumption	consumption	NOUN
fsr-3161	164	41	of	of	ADP
fsr-3161	164	42	others	other	NOUN
fsr-3161	164	43	o	o	VERB
fsr-3161	164	44	all	all	PRON
fsr-3161	164	45	discounted	discount	VERB
fsr-3161	164	46	at	at	ADP
fsr-3161	164	47	a	a	DET
fsr-3161	164	48	homogenous	homogenous	ADJ
fsr-3161	164	49	time	time	NOUN
fsr-3161	164	50	preference	preference	NOUN
fsr-3161	164	51	rate	rate	NOUN
fsr-3161	164	52	r	r	NOUN
fsr-3161	164	53	.	.	PUNCT
fsr-3161	165	1	more	more	ADV
fsr-3161	165	2	formally	formally	ADV
fsr-3161	165	3	,	,	PUNCT
fsr-3161	165	4	the	the	DET
fsr-3161	165	5	agent	agent	NOUN
fsr-3161	165	6	wishes	wish	VERB
fsr-3161	165	7	to	to	PART
fsr-3161	165	8	maximize	maximize	VERB
fsr-3161	165	9	,	,	PUNCT
fsr-3161	165	10	subject	subject	ADJ
fsr-3161	165	11	to	to	ADP
fsr-3161	165	12	standard	standard	ADJ
fsr-3161	165	13	economic	economic	ADJ
fsr-3161	165	14	constraints	constraint	NOUN
fsr-3161	165	15	:	:	PUNCT
fsr-3161	166	1	w	w	NOUN
fsr-3161	166	2	¼	¼	NOUN
fsr-3161	166	3	ð	ð	PROPN
fsr-3161	166	4	fu	fu	PROPN
fsr-3161	166	5	ct	ct	PROPN
fsr-3161	166	6	,	,	PUNCT
fsr-3161	166	7	otð	otð	PROPN
fsr-3161	166	8	þge	þge	PROPN
fsr-3161	166	9	�	�	PROPN
fsr-3161	166	10	r	r	PROPN
fsr-3161	166	11	tdt	tdt	PROPN
fsr-3161	166	12	(	(	PUNCT
fsr-3161	166	13	5	5	NUM
fsr-3161	166	14	)	)	PUNCT
fsr-3161	166	15	with	with	ADP
fsr-3161	166	16	@w	@w	X
fsr-3161	166	17	@c	@c	PROPN
fsr-3161	166	18	>	>	X
fsr-3161	166	19	0	0	PUNCT
fsr-3161	166	20	and	and	CCONJ
fsr-3161	166	21	@w	@w	NOUN
fsr-3161	166	22	@o	@o	X
fsr-3161	166	23	>	>	X
fsr-3161	166	24	0	0	PUNCT
fsr-3161	167	1	depending	depend	VERB
fsr-3161	167	2	on	on	ADP
fsr-3161	167	3	value	value	NOUN
fsr-3161	167	4	of	of	ADP
fsr-3161	167	5	r	r	NOUN
fsr-3161	167	6	and	and	CCONJ
fsr-3161	167	7	on	on	ADP
fsr-3161	167	8	the	the	DET
fsr-3161	167	9	agent	agent	NOUN
fsr-3161	167	10	’s	’s	PART
fsr-3161	167	11	relative	relative	ADJ
fsr-3161	167	12	preferences	preference	NOUN
fsr-3161	167	13	driving	drive	VERB
fsr-3161	167	14	the	the	DET
fsr-3161	167	15	u	u	NOUN
fsr-3161	167	16	function	function	NOUN
fsr-3161	167	17	to	to	ADP
fsr-3161	167	18	a	a	DET
fsr-3161	167	19	specific	specific	ADJ
fsr-3161	167	20	form	form	NOUN
fsr-3161	167	21	,	,	PUNCT
fsr-3161	167	22	some	some	DET
fsr-3161	167	23	combination	combination	NOUN
fsr-3161	167	24	of	of	ADP
fsr-3161	167	25	one	one	NUM
fsr-3161	167	26	’s	’s	PART
fsr-3161	167	27	own	own	ADJ
fsr-3161	167	28	current	current	ADJ
fsr-3161	167	29	surplus	surplus	NOUN
fsr-3161	167	30	and	and	CCONJ
fsr-3161	167	31	another	another	PRON
fsr-3161	167	32	’s	’s	PART
fsr-3161	167	33	current	current	ADJ
fsr-3161	167	34	shortage	shortage	NOUN
fsr-3161	167	35	will	will	AUX
fsr-3161	167	36	reduce	reduce	VERB
fsr-3161	167	37	(	(	PUNCT
fsr-3161	167	38	or	or	CCONJ
fsr-3161	167	39	possibly	possibly	ADV
fsr-3161	167	40	eliminate	eliminate	VERB
fsr-3161	167	41	)	)	PUNCT
fsr-3161	167	42	the	the	DET
fsr-3161	167	43	savings	saving	NOUN
fsr-3161	167	44	one	one	NOUN
fsr-3161	167	45	would	would	AUX
fsr-3161	167	46	otherwise	otherwise	ADV
fsr-3161	167	47	undertake	undertake	VERB
fsr-3161	167	48	.	.	PUNCT
fsr-3161	168	1	the	the	DET
fsr-3161	168	2	psid	psid	ADJ
fsr-3161	168	3	dataset	dataset	NOUN
fsr-3161	168	4	generously	generously	ADV
fsr-3161	168	5	breaks	break	VERB
fsr-3161	168	6	down	down	ADP
fsr-3161	168	7	charitable	charitable	ADJ
fsr-3161	168	8	giving	giving	NOUN
fsr-3161	168	9	into	into	ADP
fsr-3161	168	10	multiple	multiple	ADJ
fsr-3161	168	11	categories	category	NOUN
fsr-3161	168	12	that	that	PRON
fsr-3161	168	13	allow	allow	VERB
fsr-3161	168	14	us	we	PRON
fsr-3161	168	15	to	to	PART
fsr-3161	168	16	break	break	VERB
fsr-3161	168	17	down	down	ADP
fsr-3161	168	18	the	the	DET
fsr-3161	168	19	effects	effect	NOUN
fsr-3161	168	20	of	of	ADP
fsr-3161	168	21	giving	give	VERB
fsr-3161	168	22	by	by	ADP
fsr-3161	168	23	type	type	NOUN
fsr-3161	168	24	.	.	PUNCT
fsr-3161	169	1	in	in	ADP
fsr-3161	169	2	our	our	PRON
fsr-3161	169	3	list	list	NOUN
fsr-3161	169	4	of	of	ADP
fsr-3161	169	5	variables	variable	NOUN
fsr-3161	169	6	in	in	ADP
fsr-3161	169	7	the	the	DET
fsr-3161	169	8	tables	table	NOUN
fsr-3161	169	9	at	at	ADP
fsr-3161	169	10	the	the	DET
fsr-3161	169	11	end	end	NOUN
fsr-3161	169	12	of	of	ADP
fsr-3161	169	13	the	the	DET
fsr-3161	169	14	paper	paper	NOUN
fsr-3161	169	15	,	,	PUNCT
fsr-3161	169	16	we	we	PRON
fsr-3161	169	17	denote	denote	VERB
fsr-3161	169	18	philanthropic	philanthropic	NOUN
fsr-3161	169	19	giving	give	VERB
fsr-3161	169	20	with	with	ADP
fsr-3161	169	21	a	a	DET
fsr-3161	169	22	dollar	dollar	NOUN
fsr-3161	169	23	sign	sign	NOUN
fsr-3161	169	24	at	at	ADP
fsr-3161	169	25	the	the	DET
fsr-3161	169	26	end	end	NOUN
fsr-3161	169	27	of	of	ADP
fsr-3161	169	28	the	the	DET
fsr-3161	169	29	variable	variable	NOUN
fsr-3161	169	30	.	.	PUNCT
fsr-3161	170	1	thus	thus	ADV
fsr-3161	170	2	,	,	PUNCT
fsr-3161	170	3	philanthropic	philanthropic	NOUN
fsr-3161	170	4	variables	variable	NOUN
fsr-3161	170	5	being	be	AUX
fsr-3161	170	6	tested	test	VERB
fsr-3161	170	7	for	for	ADP
fsr-3161	170	8	significance	significance	NOUN
fsr-3161	170	9	range	range	NOUN
fsr-3161	170	10	from	from	ADP
fsr-3161	170	11	religious	religious	ADJ
fsr-3161	170	12	$	$	SYM
fsr-3161	170	13	to	to	ADP
fsr-3161	170	14	other	other	ADJ
fsr-3161	170	15	$	$	SYM
fsr-3161	170	16	.	.	PROPN
fsr-3161	170	17	4.1	4.1	NUM
fsr-3161	170	18	.	.	PUNCT
fsr-3161	171	1	the	the	DET
fsr-3161	171	2	effects	effect	NOUN
fsr-3161	171	3	of	of	ADP
fsr-3161	171	4	family	family	NOUN
fsr-3161	171	5	of	of	ADP
fsr-3161	171	6	origin	origin	NOUN
fsr-3161	171	7	we	we	PRON
fsr-3161	171	8	implicitly	implicitly	ADV
fsr-3161	171	9	acknowledge	acknowledge	VERB
fsr-3161	171	10	that	that	SCONJ
fsr-3161	171	11	saving	save	VERB
fsr-3161	171	12	for	for	ADP
fsr-3161	171	13	retirement	retirement	NOUN
fsr-3161	171	14	is	be	AUX
fsr-3161	171	15	a	a	DET
fsr-3161	171	16	learned	learn	VERB
fsr-3161	171	17	behavior	behavior	NOUN
fsr-3161	171	18	and	and	CCONJ
fsr-3161	171	19	examine	examine	VERB
fsr-3161	171	20	the	the	DET
fsr-3161	171	21	possible	possible	ADJ
fsr-3161	171	22	effects	effect	NOUN
fsr-3161	171	23	of	of	ADP
fsr-3161	171	24	one	one	NUM
fsr-3161	171	25	’s	’s	PART
fsr-3161	171	26	family	family	NOUN
fsr-3161	171	27	of	of	ADP
fsr-3161	171	28	origin	origin	NOUN
fsr-3161	171	29	on	on	ADP
fsr-3161	171	30	the	the	DET
fsr-3161	171	31	retirement	retirement	NOUN
fsr-3161	171	32	savings	saving	NOUN
fsr-3161	171	33	decision	decision	NOUN
fsr-3161	171	34	and	and	CCONJ
fsr-3161	171	35	commensurate	commensurate	ADJ
fsr-3161	171	36	outcomes	outcome	NOUN
fsr-3161	171	37	in	in	ADP
fsr-3161	171	38	the	the	DET
fsr-3161	171	39	level	level	NOUN
fsr-3161	171	40	of	of	ADP
fsr-3161	171	41	such	such	ADJ
fsr-3161	171	42	savings	saving	NOUN
fsr-3161	171	43	obtained	obtain	VERB
fsr-3161	171	44	.	.	PUNCT
fsr-3161	172	1	even	even	ADV
fsr-3161	172	2	with	with	ADP
fsr-3161	172	3	our	our	PRON
fsr-3161	172	4	largest	large	ADJ
fsr-3161	172	5	sample	sample	NOUN
fsr-3161	172	6	of	of	ADP
fsr-3161	172	7	data	datum	NOUN
fsr-3161	172	8	,	,	PUNCT
fsr-3161	172	9	that	that	PRON
fsr-3161	172	10	which	which	PRON
fsr-3161	172	11	is	be	AUX
fsr-3161	172	12	exclusively	exclusively	ADV
fsr-3161	172	13	from	from	ADP
fsr-3161	172	14	the	the	DET
fsr-3161	172	15	2019	2019	NUM
fsr-3161	172	16	survey	survey	NOUN
fsr-3161	172	17	,	,	PUNCT
fsr-3161	172	18	we	we	PRON
fsr-3161	172	19	have	have	VERB
fsr-3161	172	20	one	one	NUM
fsr-3161	172	21	variable	variable	ADJ
fsr-3161	172	22	giving	give	VERB
fsr-3161	172	23	insight	insight	NOUN
fsr-3161	172	24	into	into	ADP
fsr-3161	172	25	these	these	DET
fsr-3161	172	26	potential	potential	ADJ
fsr-3161	172	27	effects	effect	NOUN
fsr-3161	172	28	—	—	PUNCT
fsr-3161	172	29	a	a	DET
fsr-3161	172	30	binary	binary	ADJ
fsr-3161	172	31	variable	variable	NOUN
fsr-3161	172	32	indicating	indicate	VERB
fsr-3161	172	33	whether	whether	SCONJ
fsr-3161	172	34	the	the	DET
fsr-3161	172	35	respondent	respondent	NOUN
fsr-3161	172	36	grew	grow	VERB
fsr-3161	172	37	up	up	ADP
fsr-3161	172	38	in	in	ADP
fsr-3161	172	39	a	a	DET
fsr-3161	172	40	household	household	NOUN
fsr-3161	172	41	with	with	ADP
fsr-3161	172	42	both	both	DET
fsr-3161	172	43	parents	parent	NOUN
fsr-3161	172	44	.	.	PUNCT
fsr-3161	173	1	at	at	ADP
fsr-3161	173	2	the	the	DET
fsr-3161	173	3	cost	cost	NOUN
fsr-3161	173	4	of	of	ADP
fsr-3161	173	5	reducing	reduce	VERB
fsr-3161	173	6	sample	sample	NOUN
fsr-3161	173	7	size	size	NOUN
fsr-3161	173	8	,	,	PUNCT
fsr-3161	173	9	we	we	PRON
fsr-3161	173	10	will	will	AUX
fsr-3161	173	11	more	more	ADV
fsr-3161	173	12	robustly	robustly	ADV
fsr-3161	173	13	b.	b.	PROPN
fsr-3161	173	14	t.	t.	PROPN
fsr-3161	173	15	starr	starr	PROPN
fsr-3161	173	16	/	/	SYM
fsr-3161	173	17	financial	financial	ADJ
fsr-3161	173	18	services	service	NOUN
fsr-3161	173	19	review	review	VERB
fsr-3161	173	20	30	30	NUM
fsr-3161	173	21	(	(	PUNCT
fsr-3161	173	22	2022	2022	NUM
fsr-3161	173	23	)	)	PUNCT
fsr-3161	173	24	251–271	251–271	NUM
fsr-3161	173	25	259	259	NUM
fsr-3161	173	26	specify	specify	VERB
fsr-3161	173	27	our	our	PRON
fsr-3161	173	28	model	model	NOUN
fsr-3161	173	29	to	to	PART
fsr-3161	173	30	include	include	VERB
fsr-3161	173	31	attributes	attribute	NOUN
fsr-3161	173	32	of	of	ADP
fsr-3161	173	33	the	the	DET
fsr-3161	173	34	2019	2019	NUM
fsr-3161	173	35	respondent	respondent	NOUN
fsr-3161	173	36	’s	’s	PART
fsr-3161	173	37	parents	parent	NOUN
fsr-3161	173	38	from	from	ADP
fsr-3161	173	39	the	the	DET
fsr-3161	173	40	psid	psid	ADJ
fsr-3161	173	41	survey	survey	NOUN
fsr-3161	173	42	responses	response	NOUN
fsr-3161	173	43	of	of	ADP
fsr-3161	173	44	those	those	DET
fsr-3161	173	45	parents	parent	NOUN
fsr-3161	173	46	in	in	ADP
fsr-3161	173	47	1989	1989	NUM
fsr-3161	173	48	.	.	PUNCT
fsr-3161	174	1	4.2	4.2	NUM
fsr-3161	174	2	.	.	PUNCT
fsr-3161	175	1	other	other	ADJ
fsr-3161	175	2	variables	variable	NOUN
fsr-3161	175	3	our	our	PRON
fsr-3161	175	4	analysis	analysis	NOUN
fsr-3161	175	5	also	also	ADV
fsr-3161	175	6	includes	include	VERB
fsr-3161	175	7	the	the	DET
fsr-3161	175	8	standard	standard	ADJ
fsr-3161	175	9	lineup	lineup	NOUN
fsr-3161	175	10	of	of	ADP
fsr-3161	175	11	demographic	demographic	ADJ
fsr-3161	175	12	variables	variable	NOUN
fsr-3161	175	13	along	along	ADP
fsr-3161	175	14	with	with	ADP
fsr-3161	175	15	a	a	DET
fsr-3161	175	16	binary	binary	ADJ
fsr-3161	175	17	variable	variable	NOUN
fsr-3161	175	18	indicating	indicate	VERB
fsr-3161	175	19	whether	whether	SCONJ
fsr-3161	175	20	the	the	DET
fsr-3161	175	21	respondent	respondent	NOUN
fsr-3161	175	22	lived	live	VERB
fsr-3161	175	23	with	with	ADP
fsr-3161	175	24	both	both	DET
fsr-3161	175	25	parents	parent	NOUN
fsr-3161	175	26	during	during	ADP
fsr-3161	175	27	childhood	childhood	NOUN
fsr-3161	175	28	.	.	PUNCT
fsr-3161	176	1	we	we	PRON
fsr-3161	176	2	add	add	VERB
fsr-3161	176	3	variables	variable	NOUN
fsr-3161	176	4	for	for	ADP
fsr-3161	176	5	income	income	NOUN
fsr-3161	176	6	and	and	CCONJ
fsr-3161	176	7	education	education	NOUN
fsr-3161	176	8	,	,	PUNCT
fsr-3161	176	9	and	and	CCONJ
fsr-3161	176	10	dummy	dummy	ADJ
fsr-3161	176	11	variables	variable	NOUN
fsr-3161	176	12	indicating	indicate	VERB
fsr-3161	176	13	whether	whether	SCONJ
fsr-3161	176	14	the	the	DET
fsr-3161	176	15	respondent	respondent	NOUN
fsr-3161	176	16	is	be	AUX
fsr-3161	176	17	a	a	DET
fsr-3161	176	18	union	union	NOUN
fsr-3161	176	19	member	member	NOUN
fsr-3161	176	20	and	and	CCONJ
fsr-3161	176	21	whether	whether	SCONJ
fsr-3161	176	22	the	the	DET
fsr-3161	176	23	respondent	respondent	NOUN
fsr-3161	176	24	’s	’s	PART
fsr-3161	176	25	family	family	NOUN
fsr-3161	176	26	is	be	AUX
fsr-3161	176	27	covered	cover	VERB
fsr-3161	176	28	by	by	ADP
fsr-3161	176	29	health	health	NOUN
fsr-3161	176	30	insurance	insurance	NOUN
fsr-3161	176	31	.	.	PUNCT
fsr-3161	177	1	summary	summary	NOUN
fsr-3161	177	2	statistics	statistic	NOUN
fsr-3161	177	3	of	of	ADP
fsr-3161	177	4	our	our	PRON
fsr-3161	177	5	variables	variable	NOUN
fsr-3161	177	6	are	be	AUX
fsr-3161	177	7	listed	list	VERB
fsr-3161	177	8	in	in	ADP
fsr-3161	177	9	table	table	NOUN
fsr-3161	177	10	1	1	NUM
fsr-3161	177	11	.	.	PUNCT
fsr-3161	178	1	we	we	PRON
fsr-3161	178	2	first	first	ADV
fsr-3161	178	3	see	see	VERB
fsr-3161	178	4	descriptive	descriptive	ADJ
fsr-3161	178	5	data	datum	NOUN
fsr-3161	178	6	on	on	ADP
fsr-3161	178	7	the	the	DET
fsr-3161	178	8	two	two	NUM
fsr-3161	178	9	dependent	dependent	ADJ
fsr-3161	178	10	variables	variable	NOUN
fsr-3161	178	11	—	—	PUNCT
fsr-3161	178	12	the	the	DET
fsr-3161	178	13	binary	binary	ADJ
fsr-3161	178	14	variable	variable	NOUN
fsr-3161	178	15	in	in	ADP
fsr-3161	178	16	our	our	PRON
fsr-3161	178	17	probit	probit	NOUN
fsr-3161	178	18	analysis	analysis	NOUN
fsr-3161	178	19	which	which	PRON
fsr-3161	178	20	indicates	indicate	VERB
fsr-3161	178	21	whether	whether	SCONJ
fsr-3161	178	22	the	the	DET
fsr-3161	178	23	respondent	respondent	NOUN
fsr-3161	178	24	is	be	AUX
fsr-3161	178	25	actively	actively	ADV
fsr-3161	178	26	saving	save	VERB
fsr-3161	178	27	for	for	ADP
fsr-3161	178	28	retirement	retirement	NOUN
fsr-3161	178	29	and	and	CCONJ
fsr-3161	178	30	the	the	DET
fsr-3161	178	31	cardinal	cardinal	ADJ
fsr-3161	178	32	variable	variable	NOUN
fsr-3161	178	33	indicating	indicate	VERB
fsr-3161	178	34	the	the	DET
fsr-3161	178	35	level	level	NOUN
fsr-3161	178	36	of	of	ADP
fsr-3161	178	37	accumulated	accumulate	VERB
fsr-3161	178	38	retirement	retirement	NOUN
fsr-3161	178	39	savings	saving	NOUN
fsr-3161	178	40	.	.	PUNCT
fsr-3161	179	1	we	we	PRON
fsr-3161	179	2	next	next	ADV
fsr-3161	179	3	see	see	VERB
fsr-3161	179	4	descriptive	descriptive	ADJ
fsr-3161	179	5	data	datum	NOUN
fsr-3161	179	6	on	on	ADP
fsr-3161	179	7	the	the	DET
fsr-3161	179	8	independent	independent	ADJ
fsr-3161	179	9	variables	variable	NOUN
fsr-3161	179	10	observed	observe	VERB
fsr-3161	179	11	for	for	ADP
fsr-3161	179	12	the	the	DET
fsr-3161	179	13	respondents	respondent	NOUN
fsr-3161	179	14	in	in	ADP
fsr-3161	179	15	2019	2019	NUM
fsr-3161	179	16	.	.	PUNCT
fsr-3161	180	1	we	we	PRON
fsr-3161	180	2	finally	finally	ADV
fsr-3161	180	3	see	see	VERB
fsr-3161	180	4	descriptive	descriptive	ADJ
fsr-3161	180	5	data	datum	NOUN
fsr-3161	180	6	for	for	ADP
fsr-3161	180	7	the	the	DET
fsr-3161	180	8	responses	response	NOUN
fsr-3161	180	9	of	of	ADP
fsr-3161	180	10	their	their	PRON
fsr-3161	180	11	parents	parent	NOUN
fsr-3161	180	12	to	to	ADP
fsr-3161	180	13	the	the	DET
fsr-3161	180	14	psid	psid	ADJ
fsr-3161	180	15	survey	survey	NOUN
fsr-3161	180	16	in	in	ADP
fsr-3161	180	17	1989	1989	NUM
fsr-3161	180	18	.	.	PUNCT
fsr-3161	181	1	the	the	DET
fsr-3161	181	2	1989	1989	NUM
fsr-3161	181	3	family	family	NOUN
fsr-3161	181	4	of	of	ADP
fsr-3161	181	5	origin	origin	NOUN
fsr-3161	181	6	data	datum	NOUN
fsr-3161	181	7	elements	element	NOUN
fsr-3161	181	8	include	include	VERB
fsr-3161	181	9	the	the	DET
fsr-3161	181	10	ordinal	ordinal	ADJ
fsr-3161	181	11	measure	measure	NOUN
fsr-3161	181	12	of	of	ADP
fsr-3161	181	13	the	the	DET
fsr-3161	181	14	health	health	NOUN
fsr-3161	181	15	of	of	ADP
fsr-3161	181	16	the	the	DET
fsr-3161	181	17	parental	parental	ADJ
fsr-3161	181	18	head	head	NOUN
fsr-3161	181	19	of	of	ADP
fsr-3161	181	20	household	household	NOUN
fsr-3161	181	21	,	,	PUNCT
fsr-3161	181	22	measures	measure	NOUN
fsr-3161	181	23	of	of	ADP
fsr-3161	181	24	that	that	DET
fsr-3161	181	25	head	head	NOUN
fsr-3161	181	26	’s	’s	PART
fsr-3161	181	27	education	education	NOUN
fsr-3161	181	28	(	(	PUNCT
fsr-3161	181	29	recorded	record	VERB
fsr-3161	181	30	on	on	ADP
fsr-3161	181	31	a	a	DET
fsr-3161	181	32	slightly	slightly	ADV
fsr-3161	181	33	different	different	ADJ
fsr-3161	181	34	ordinal	ordinal	ADJ
fsr-3161	181	35	scale	scale	NOUN
fsr-3161	181	36	in	in	ADP
fsr-3161	181	37	1989	1989	NUM
fsr-3161	181	38	than	than	ADP
fsr-3161	181	39	in	in	ADP
fsr-3161	181	40	2019	2019	NUM
fsr-3161	181	41	)	)	PUNCT
fsr-3161	181	42	,	,	PUNCT
fsr-3161	181	43	parental	parental	ADJ
fsr-3161	181	44	income	income	NOUN
fsr-3161	181	45	,	,	PUNCT
fsr-3161	181	46	and	and	CCONJ
fsr-3161	181	47	whether	whether	SCONJ
fsr-3161	181	48	the	the	DET
fsr-3161	181	49	spouse	spouse	NOUN
fsr-3161	181	50	(	(	PUNCT
fsr-3161	181	51	worded	word	VERB
fsr-3161	181	52	as	as	ADP
fsr-3161	181	53	“	"	PUNCT
fsr-3161	181	54	spouse	spouse	NOUN
fsr-3161	181	55	”	"	PUNCT
fsr-3161	181	56	in	in	ADP
fsr-3161	181	57	the	the	DET
fsr-3161	181	58	1989	1989	NUM
fsr-3161	181	59	survey	survey	NOUN
fsr-3161	181	60	)	)	PUNCT
fsr-3161	181	61	was	be	AUX
fsr-3161	181	62	working	work	VERB
fsr-3161	181	63	.	.	PUNCT
fsr-3161	182	1	we	we	PRON
fsr-3161	182	2	also	also	ADV
fsr-3161	182	3	consider	consider	VERB
fsr-3161	182	4	an	an	DET
fsr-3161	182	5	interactive	interactive	ADJ
fsr-3161	182	6	variable	variable	NOUN
fsr-3161	182	7	for	for	ADP
fsr-3161	182	8	each	each	DET
fsr-3161	182	9	parent	parent	NOUN
fsr-3161	182	10	which	which	PRON
fsr-3161	182	11	is	be	AUX
fsr-3161	182	12	family	family	NOUN
fsr-3161	182	13	income	income	NOUN
fsr-3161	182	14	multiplied	multiply	VERB
fsr-3161	182	15	by	by	ADP
fsr-3161	182	16	a	a	DET
fsr-3161	182	17	dummy	dummy	ADJ
fsr-3161	182	18	variable	variable	NOUN
fsr-3161	182	19	indicating	indicate	VERB
fsr-3161	182	20	whether	whether	SCONJ
fsr-3161	182	21	that	that	DET
fsr-3161	182	22	parent	parent	NOUN
fsr-3161	182	23	is	be	AUX
fsr-3161	182	24	participating	participate	VERB
fsr-3161	182	25	in	in	ADP
fsr-3161	182	26	a	a	DET
fsr-3161	182	27	retirement	retirement	NOUN
fsr-3161	182	28	plan	plan	NOUN
fsr-3161	182	29	.	.	PUNCT
fsr-3161	183	1	an	an	DET
fsr-3161	183	2	affirmative	affirmative	ADJ
fsr-3161	183	3	response	response	NOUN
fsr-3161	183	4	to	to	PART
fsr-3161	183	5	survey	survey	VERB
fsr-3161	183	6	questions	question	NOUN
fsr-3161	183	7	concerning	concern	VERB
fsr-3161	183	8	whether	whether	SCONJ
fsr-3161	183	9	the	the	DET
fsr-3161	183	10	head	head	NOUN
fsr-3161	183	11	(	(	PUNCT
fsr-3161	183	12	and	and	CCONJ
fsr-3161	183	13	,	,	PUNCT
fsr-3161	183	14	in	in	ADP
fsr-3161	183	15	turn	turn	NOUN
fsr-3161	183	16	,	,	PUNCT
fsr-3161	183	17	spouse	spouse	NOUN
fsr-3161	183	18	)	)	PUNCT
fsr-3161	183	19	is	be	AUX
fsr-3161	183	20	covered	cover	VERB
fsr-3161	183	21	by	by	ADP
fsr-3161	183	22	a	a	DET
fsr-3161	183	23	retirement	retirement	NOUN
fsr-3161	183	24	plan	plan	NOUN
fsr-3161	183	25	or	or	CCONJ
fsr-3161	183	26	contributing	contribute	VERB
fsr-3161	183	27	to	to	ADP
fsr-3161	183	28	an	an	DET
fsr-3161	183	29	ira	ira	PROPN
fsr-3161	183	30	or	or	CCONJ
fsr-3161	183	31	annuity	annuity	NOUN
fsr-3161	183	32	gives	give	VERB
fsr-3161	183	33	the	the	DET
fsr-3161	183	34	binary	binary	ADJ
fsr-3161	183	35	variable	variable	NOUN
fsr-3161	183	36	a	a	DET
fsr-3161	183	37	value	value	NOUN
fsr-3161	183	38	of	of	ADP
fsr-3161	183	39	one	one	NUM
fsr-3161	183	40	.	.	PUNCT
fsr-3161	184	1	otherwise	otherwise	ADV
fsr-3161	184	2	,	,	PUNCT
fsr-3161	184	3	the	the	DET
fsr-3161	184	4	binary	binary	NOUN
fsr-3161	184	5	multiplier	multipli	ADJ
fsr-3161	184	6	of	of	ADP
fsr-3161	184	7	the	the	DET
fsr-3161	184	8	interactive	interactive	ADJ
fsr-3161	184	9	variable	variable	NOUN
fsr-3161	184	10	is	be	AUX
fsr-3161	184	11	zero	zero	NUM
fsr-3161	184	12	.	.	PUNCT
fsr-3161	185	1	given	give	VERB
fsr-3161	185	2	the	the	DET
fsr-3161	185	3	wording	wording	NOUN
fsr-3161	185	4	of	of	ADP
fsr-3161	185	5	the	the	DET
fsr-3161	185	6	1989	1989	NUM
fsr-3161	185	7	survey	survey	NOUN
fsr-3161	185	8	,	,	PUNCT
fsr-3161	185	9	the	the	DET
fsr-3161	185	10	spouse	spouse	NOUN
fsr-3161	185	11	would	would	AUX
fsr-3161	185	12	be	be	AUX
fsr-3161	185	13	the	the	DET
fsr-3161	185	14	spouse	spouse	NOUN
fsr-3161	185	15	of	of	ADP
fsr-3161	185	16	the	the	DET
fsr-3161	185	17	respondent	respondent	NOUN
fsr-3161	185	18	.	.	PUNCT
fsr-3161	186	1	we	we	PRON
fsr-3161	186	2	can	can	AUX
fsr-3161	186	3	gain	gain	VERB
fsr-3161	186	4	some	some	DET
fsr-3161	186	5	insight	insight	NOUN
fsr-3161	186	6	on	on	ADP
fsr-3161	186	7	whether	whether	SCONJ
fsr-3161	186	8	the	the	DET
fsr-3161	186	9	example	example	NOUN
fsr-3161	186	10	of	of	ADP
fsr-3161	186	11	one	one	NUM
fsr-3161	186	12	parent	parent	NOUN
fsr-3161	186	13	might	might	AUX
fsr-3161	186	14	be	be	AUX
fsr-3161	186	15	more	more	ADV
fsr-3161	186	16	potentially	potentially	ADV
fsr-3161	186	17	influential	influential	ADJ
fsr-3161	186	18	than	than	ADP
fsr-3161	186	19	the	the	DET
fsr-3161	186	20	other	other	ADJ
fsr-3161	186	21	.	.	PUNCT
fsr-3161	187	1	4.3	4.3	NUM
fsr-3161	187	2	.	.	PUNCT
fsr-3161	187	3	analysis	analysis	NOUN
fsr-3161	187	4	of	of	ADP
fsr-3161	187	5	results	result	NOUN
fsr-3161	187	6	from	from	ADP
fsr-3161	187	7	2019	2019	NUM
fsr-3161	187	8	data	datum	NOUN
fsr-3161	187	9	table	table	NOUN
fsr-3161	187	10	2	2	NUM
fsr-3161	187	11	(	(	PUNCT
fsr-3161	187	12	probit	probit	NOUN
fsr-3161	187	13	)	)	PUNCT
fsr-3161	187	14	and	and	CCONJ
fsr-3161	187	15	table	table	NOUN
fsr-3161	187	16	3	3	NUM
fsr-3161	187	17	(	(	PUNCT
fsr-3161	187	18	ols	ol	NOUN
fsr-3161	187	19	)	)	PUNCT
fsr-3161	187	20	show	show	VERB
fsr-3161	187	21	the	the	DET
fsr-3161	187	22	results	result	NOUN
fsr-3161	187	23	of	of	ADP
fsr-3161	187	24	the	the	DET
fsr-3161	187	25	analysis	analysis	NOUN
fsr-3161	187	26	of	of	ADP
fsr-3161	187	27	our	our	PRON
fsr-3161	187	28	2019	2019	NUM
fsr-3161	187	29	data	datum	NOUN
fsr-3161	187	30	,	,	PUNCT
fsr-3161	187	31	with	with	ADP
fsr-3161	187	32	a	a	DET
fsr-3161	187	33	more	more	ADV
fsr-3161	187	34	robust	robust	ADJ
fsr-3161	187	35	sample	sample	NOUN
fsr-3161	187	36	size	size	NOUN
fsr-3161	187	37	.	.	PUNCT
fsr-3161	188	1	table	table	NOUN
fsr-3161	188	2	2	2	NUM
fsr-3161	188	3	can	can	AUX
fsr-3161	188	4	be	be	AUX
fsr-3161	188	5	interpreted	interpret	VERB
fsr-3161	188	6	as	as	ADP
fsr-3161	188	7	an	an	DET
fsr-3161	188	8	analysis	analysis	NOUN
fsr-3161	188	9	of	of	ADP
fsr-3161	188	10	the	the	DET
fsr-3161	188	11	first	first	ADJ
fsr-3161	188	12	step	step	NOUN
fsr-3161	188	13	of	of	ADP
fsr-3161	188	14	the	the	DET
fsr-3161	188	15	retirement	retirement	NOUN
fsr-3161	188	16	decision	decision	NOUN
fsr-3161	188	17	—	—	PUNCT
fsr-3161	188	18	whether	whether	SCONJ
fsr-3161	188	19	to	to	PART
fsr-3161	188	20	actively	actively	ADV
fsr-3161	188	21	save	save	VERB
fsr-3161	188	22	for	for	ADP
fsr-3161	188	23	retirement	retirement	NOUN
fsr-3161	188	24	at	at	ADV
fsr-3161	188	25	all	all	ADV
fsr-3161	188	26	,	,	PUNCT
fsr-3161	188	27	while	while	SCONJ
fsr-3161	188	28	table	table	NOUN
fsr-3161	188	29	3	3	NUM
fsr-3161	188	30	analyzes	analyze	VERB
fsr-3161	188	31	the	the	DET
fsr-3161	188	32	quantifiable	quantifiable	ADJ
fsr-3161	188	33	result	result	NOUN
fsr-3161	188	34	of	of	ADP
fsr-3161	188	35	the	the	DET
fsr-3161	188	36	decision	decision	NOUN
fsr-3161	188	37	of	of	ADP
fsr-3161	188	38	,	,	PUNCT
fsr-3161	188	39	among	among	ADP
fsr-3161	188	40	other	other	ADJ
fsr-3161	188	41	parameters	parameter	NOUN
fsr-3161	188	42	,	,	PUNCT
fsr-3161	188	43	how	how	SCONJ
fsr-3161	188	44	much	much	ADJ
fsr-3161	188	45	to	to	PART
fsr-3161	188	46	save	save	VERB
fsr-3161	188	47	.	.	PUNCT
fsr-3161	189	1	in	in	ADP
fsr-3161	189	2	both	both	DET
fsr-3161	189	3	cases	case	NOUN
fsr-3161	189	4	,	,	PUNCT
fsr-3161	189	5	we	we	PRON
fsr-3161	189	6	have	have	VERB
fsr-3161	189	7	only	only	ADV
fsr-3161	189	8	one	one	NUM
fsr-3161	189	9	variable	variable	NOUN
fsr-3161	189	10	indicating	indicate	VERB
fsr-3161	189	11	the	the	DET
fsr-3161	189	12	potential	potential	ADJ
fsr-3161	189	13	effect	effect	NOUN
fsr-3161	189	14	of	of	ADP
fsr-3161	189	15	one	one	NUM
fsr-3161	189	16	’s	’s	PART
fsr-3161	189	17	family	family	NOUN
fsr-3161	189	18	of	of	ADP
fsr-3161	189	19	origin	origin	NOUN
fsr-3161	189	20	,	,	PUNCT
fsr-3161	189	21	the	the	DET
fsr-3161	189	22	binary	binary	PROPN
fsr-3161	189	23	variable	variable	NOUN
fsr-3161	189	24	telling	tell	VERB
fsr-3161	189	25	whether	whether	SCONJ
fsr-3161	189	26	one	one	NUM
fsr-3161	189	27	grew	grow	VERB
fsr-3161	189	28	up	up	ADP
fsr-3161	189	29	in	in	ADP
fsr-3161	189	30	a	a	DET
fsr-3161	189	31	household	household	NOUN
fsr-3161	189	32	with	with	ADP
fsr-3161	189	33	both	both	DET
fsr-3161	189	34	parents	parent	NOUN
fsr-3161	189	35	.	.	PUNCT
fsr-3161	190	1	let	let	VERB
fsr-3161	190	2	us	we	PRON
fsr-3161	190	3	first	first	ADV
fsr-3161	190	4	consider	consider	VERB
fsr-3161	190	5	the	the	DET
fsr-3161	190	6	probit	probit	NOUN
fsr-3161	190	7	results	result	NOUN
fsr-3161	190	8	of	of	ADP
fsr-3161	190	9	table	table	NOUN
fsr-3161	190	10	2	2	NUM
fsr-3161	190	11	.	.	PUNCT
fsr-3161	190	12	much	much	ADJ
fsr-3161	190	13	of	of	ADP
fsr-3161	190	14	the	the	DET
fsr-3161	190	15	result	result	NOUN
fsr-3161	190	16	comports	comport	VERB
fsr-3161	190	17	with	with	ADP
fsr-3161	190	18	intuition	intuition	NOUN
fsr-3161	190	19	.	.	PUNCT
fsr-3161	191	1	income	income	NOUN
fsr-3161	191	2	,	,	PUNCT
fsr-3161	191	3	age	age	NOUN
fsr-3161	191	4	,	,	PUNCT
fsr-3161	191	5	education	education	NOUN
fsr-3161	191	6	,	,	PUNCT
fsr-3161	191	7	marital	marital	ADJ
fsr-3161	191	8	status	status	NOUN
fsr-3161	191	9	,	,	PUNCT
fsr-3161	191	10	union	union	NOUN
fsr-3161	191	11	membership	membership	NOUN
fsr-3161	191	12	and	and	CCONJ
fsr-3161	191	13	the	the	DET
fsr-3161	191	14	complementary	complementary	ADJ
fsr-3161	191	15	benefits	benefit	NOUN
fsr-3161	191	16	package	package	NOUN
fsr-3161	191	17	of	of	ADP
fsr-3161	191	18	health	health	NOUN
fsr-3161	191	19	insurance	insurance	NOUN
fsr-3161	191	20	are	be	AUX
fsr-3161	191	21	all	all	ADV
fsr-3161	191	22	highly	highly	ADV
fsr-3161	191	23	significant	significant	ADJ
fsr-3161	191	24	and	and	CCONJ
fsr-3161	191	25	take	take	VERB
fsr-3161	191	26	a	a	DET
fsr-3161	191	27	positive	positive	ADJ
fsr-3161	191	28	algebraic	algebraic	ADJ
fsr-3161	191	29	sign	sign	NOUN
fsr-3161	191	30	on	on	ADP
fsr-3161	191	31	their	their	PRON
fsr-3161	191	32	coefficients	coefficient	NOUN
fsr-3161	191	33	.	.	PUNCT
fsr-3161	192	1	disconcerting	disconcerting	ADJ
fsr-3161	192	2	,	,	PUNCT
fsr-3161	192	3	and	and	CCONJ
fsr-3161	192	4	beyond	beyond	ADP
fsr-3161	192	5	the	the	DET
fsr-3161	192	6	scope	scope	NOUN
fsr-3161	192	7	of	of	ADP
fsr-3161	192	8	this	this	DET
fsr-3161	192	9	paper	paper	NOUN
fsr-3161	192	10	,	,	PUNCT
fsr-3161	192	11	is	be	AUX
fsr-3161	192	12	the	the	DET
fsr-3161	192	13	negative	negative	ADJ
fsr-3161	192	14	coefficient	coefficient	NOUN
fsr-3161	192	15	on	on	ADP
fsr-3161	192	16	the	the	DET
fsr-3161	192	17	minority	minority	NOUN
fsr-3161	192	18	variable	variable	NOUN
fsr-3161	192	19	.	.	PUNCT
fsr-3161	193	1	comporting	comport	VERB
fsr-3161	193	2	with	with	ADP
fsr-3161	193	3	intuition	intuition	NOUN
fsr-3161	193	4	is	be	AUX
fsr-3161	193	5	the	the	DET
fsr-3161	193	6	statistically	statistically	ADV
fsr-3161	193	7	significant	significant	ADJ
fsr-3161	193	8	negative	negative	ADJ
fsr-3161	193	9	coefficient	coefficient	NOUN
fsr-3161	193	10	associated	associate	VERB
fsr-3161	193	11	with	with	ADP
fsr-3161	193	12	health	health	NOUN
fsr-3161	193	13	status	status	NOUN
fsr-3161	193	14	—	—	PUNCT
fsr-3161	193	15	poorer	poor	ADJ
fsr-3161	193	16	health	health	NOUN
fsr-3161	193	17	is	be	AUX
fsr-3161	193	18	associated	associate	VERB
fsr-3161	193	19	with	with	ADP
fsr-3161	193	20	a	a	DET
fsr-3161	193	21	lower	low	ADJ
fsr-3161	193	22	probability	probability	NOUN
fsr-3161	193	23	of	of	ADP
fsr-3161	193	24	saving	save	VERB
fsr-3161	193	25	for	for	ADP
fsr-3161	193	26	retirement	retirement	NOUN
fsr-3161	193	27	.	.	PUNCT
fsr-3161	194	1	more	more	ADV
fsr-3161	194	2	intriguingly	intriguingly	ADV
fsr-3161	194	3	,	,	PUNCT
fsr-3161	194	4	we	we	PRON
fsr-3161	194	5	observe	observe	VERB
fsr-3161	194	6	the	the	DET
fsr-3161	194	7	highly	highly	ADV
fsr-3161	194	8	significant	significant	ADJ
fsr-3161	194	9	and	and	CCONJ
fsr-3161	194	10	negative	negative	ADJ
fsr-3161	194	11	coefficient	coefficient	NOUN
fsr-3161	194	12	associated	associate	VERB
fsr-3161	194	13	with	with	ADP
fsr-3161	194	14	the	the	DET
fsr-3161	194	15	number	number	NOUN
fsr-3161	194	16	260	260	NUM
fsr-3161	194	17	b.	b.	PROPN
fsr-3161	194	18	t.	t.	PROPN
fsr-3161	194	19	starr	starr	PROPN
fsr-3161	194	20	/	/	SYM
fsr-3161	194	21	financial	financial	ADJ
fsr-3161	194	22	services	service	NOUN
fsr-3161	194	23	review	review	VERB
fsr-3161	194	24	30	30	NUM
fsr-3161	194	25	(	(	PUNCT
fsr-3161	194	26	2022	2022	NUM
fsr-3161	194	27	)	)	PUNCT
fsr-3161	194	28	251–271	251–271	NUM
fsr-3161	194	29	of	of	ADP
fsr-3161	194	30	children	child	NOUN
fsr-3161	194	31	the	the	DET
fsr-3161	194	32	respondent	respondent	NOUN
fsr-3161	194	33	has	have	VERB
fsr-3161	194	34	.	.	PUNCT
fsr-3161	195	1	it	it	PRON
fsr-3161	195	2	seems	seem	VERB
fsr-3161	195	3	the	the	DET
fsr-3161	195	4	presence	presence	NOUN
fsr-3161	195	5	of	of	ADP
fsr-3161	195	6	children	child	NOUN
fsr-3161	195	7	in	in	ADP
fsr-3161	195	8	a	a	DET
fsr-3161	195	9	household	household	NOUN
fsr-3161	195	10	makes	make	VERB
fsr-3161	195	11	it	it	PRON
fsr-3161	195	12	less	less	ADV
fsr-3161	195	13	likely	likely	ADJ
fsr-3161	195	14	that	that	SCONJ
fsr-3161	195	15	household	household	NOUN
fsr-3161	195	16	will	will	AUX
fsr-3161	195	17	save	save	VERB
fsr-3161	195	18	for	for	ADP
fsr-3161	195	19	retirement	retirement	NOUN
fsr-3161	195	20	,	,	PUNCT
fsr-3161	195	21	a	a	DET
fsr-3161	195	22	position	position	NOUN
fsr-3161	195	23	bolstered	bolster	VERB
fsr-3161	195	24	by	by	ADP
fsr-3161	195	25	the	the	DET
fsr-3161	195	26	fact	fact	NOUN
fsr-3161	195	27	that	that	SCONJ
fsr-3161	195	28	of	of	ADP
fsr-3161	195	29	the	the	DET
fsr-3161	195	30	statistically	statistically	ADV
fsr-3161	195	31	significant	significant	ADJ
fsr-3161	195	32	philanthropic	philanthropic	NOUN
fsr-3161	195	33	variables	variable	NOUN
fsr-3161	195	34	,	,	PUNCT
fsr-3161	195	35	only	only	ADV
fsr-3161	195	36	donations	donation	NOUN
fsr-3161	195	37	toward	toward	ADP
fsr-3161	195	38	youth	youth	NOUN
fsr-3161	195	39	causes	cause	NOUN
fsr-3161	195	40	take	take	VERB
fsr-3161	195	41	a	a	DET
fsr-3161	195	42	negative	negative	ADJ
fsr-3161	195	43	coefficient	coefficient	NOUN
fsr-3161	195	44	.	.	PUNCT
fsr-3161	196	1	this	this	PRON
fsr-3161	196	2	could	could	AUX
fsr-3161	196	3	lend	lend	VERB
fsr-3161	196	4	credence	credence	NOUN
fsr-3161	196	5	to	to	ADP
fsr-3161	196	6	the	the	DET
fsr-3161	196	7	game	game	NOUN
fsr-3161	196	8	-	-	PUNCT
fsr-3161	196	9	theoretic	theoretic	NOUN
fsr-3161	196	10	reasoning	reasoning	NOUN
fsr-3161	196	11	we	we	PRON
fsr-3161	196	12	have	have	AUX
fsr-3161	196	13	discussed	discuss	VERB
fsr-3161	196	14	.	.	PUNCT
fsr-3161	197	1	parents	parent	NOUN
fsr-3161	197	2	might	might	AUX
fsr-3161	197	3	be	be	AUX
fsr-3161	197	4	looking	look	VERB
fsr-3161	197	5	to	to	ADP
fsr-3161	197	6	their	their	PRON
fsr-3161	197	7	children	child	NOUN
fsr-3161	197	8	to	to	PART
fsr-3161	197	9	help	help	VERB
fsr-3161	197	10	care	care	VERB
fsr-3161	197	11	for	for	ADP
fsr-3161	197	12	them	they	PRON
fsr-3161	197	13	during	during	ADP
fsr-3161	197	14	their	their	PRON
fsr-3161	197	15	retirement	retirement	NOUN
fsr-3161	197	16	years	year	NOUN
fsr-3161	197	17	.	.	PUNCT
fsr-3161	198	1	conversely	conversely	ADV
fsr-3161	198	2	,	,	PUNCT
fsr-3161	198	3	it	it	PRON
fsr-3161	198	4	could	could	AUX
fsr-3161	198	5	be	be	AUX
fsr-3161	198	6	that	that	SCONJ
fsr-3161	198	7	parents	parent	NOUN
fsr-3161	198	8	believe	believe	VERB
fsr-3161	198	9	they	they	PRON
fsr-3161	198	10	have	have	VERB
fsr-3161	198	11	only	only	ADV
fsr-3161	198	12	enough	enough	ADJ
fsr-3161	198	13	discretionary	discretionary	ADJ
fsr-3161	198	14	income	income	NOUN
fsr-3161	198	15	to	to	PART
fsr-3161	198	16	care	care	VERB
fsr-3161	198	17	for	for	ADP
fsr-3161	198	18	their	their	PRON
fsr-3161	198	19	children	child	NOUN
fsr-3161	198	20	and	and	CCONJ
fsr-3161	198	21	that	that	SCONJ
fsr-3161	198	22	saving	save	VERB
fsr-3161	198	23	for	for	ADP
fsr-3161	198	24	retirement	retirement	NOUN
fsr-3161	198	25	is	be	AUX
fsr-3161	198	26	something	something	PRON
fsr-3161	198	27	they	they	PRON
fsr-3161	198	28	will	will	AUX
fsr-3161	198	29	undertake	undertake	VERB
fsr-3161	198	30	once	once	ADV
fsr-3161	198	31	their	their	PRON
fsr-3161	198	32	children	child	NOUN
fsr-3161	198	33	have	have	AUX
fsr-3161	198	34	matured	mature	VERB
fsr-3161	198	35	.	.	PUNCT
fsr-3161	199	1	besides	besides	SCONJ
fsr-3161	199	2	charitable	charitable	ADJ
fsr-3161	199	3	contributions	contribution	NOUN
fsr-3161	199	4	to	to	ADP
fsr-3161	199	5	organizations	organization	NOUN
fsr-3161	199	6	that	that	PRON
fsr-3161	199	7	support	support	VERB
fsr-3161	199	8	youth	youth	NOUN
fsr-3161	199	9	,	,	PUNCT
fsr-3161	199	10	all	all	DET
fsr-3161	199	11	other	other	ADJ
fsr-3161	199	12	philanthropic	philanthropic	NOUN
fsr-3161	199	13	variables	variable	NOUN
fsr-3161	199	14	of	of	ADP
fsr-3161	199	15	statistical	statistical	ADJ
fsr-3161	199	16	significance	significance	NOUN
fsr-3161	199	17	take	take	VERB
fsr-3161	199	18	a	a	DET
fsr-3161	199	19	positive	positive	ADJ
fsr-3161	199	20	coefficient	coefficient	NOUN
fsr-3161	199	21	.	.	PUNCT
fsr-3161	200	1	this	this	PRON
fsr-3161	200	2	suggests	suggest	VERB
fsr-3161	200	3	altruistic	altruistic	ADJ
fsr-3161	200	4	behavior	behavior	NOUN
fsr-3161	200	5	does	do	AUX
fsr-3161	200	6	not	not	PART
fsr-3161	200	7	crowd	crowd	VERB
fsr-3161	200	8	out	out	ADP
fsr-3161	200	9	retirement	retirement	NOUN
fsr-3161	200	10	savings	saving	NOUN
fsr-3161	200	11	.	.	PUNCT
fsr-3161	201	1	rather	rather	ADV
fsr-3161	201	2	,	,	PUNCT
fsr-3161	201	3	those	those	PRON
fsr-3161	201	4	who	who	PRON
fsr-3161	201	5	donate	donate	VERB
fsr-3161	201	6	philanthropically	philanthropically	ADV
fsr-3161	201	7	,	,	PUNCT
fsr-3161	201	8	at	at	ADP
fsr-3161	201	9	least	least	ADJ
fsr-3161	201	10	to	to	ADP
fsr-3161	201	11	organizations	organization	NOUN
fsr-3161	201	12	serving	serve	VERB
fsr-3161	201	13	religious	religious	ADJ
fsr-3161	201	14	or	or	CCONJ
fsr-3161	201	15	environmental	environmental	ADJ
fsr-3161	201	16	needs	need	NOUN
fsr-3161	201	17	,	,	PUNCT
fsr-3161	201	18	are	be	AUX
fsr-3161	201	19	more	more	ADV
fsr-3161	201	20	likely	likely	ADJ
fsr-3161	201	21	to	to	PART
fsr-3161	201	22	save	save	VERB
fsr-3161	201	23	for	for	ADP
fsr-3161	201	24	retirement	retirement	NOUN
fsr-3161	201	25	.	.	PUNCT
fsr-3161	202	1	we	we	PRON
fsr-3161	202	2	also	also	ADV
fsr-3161	202	3	see	see	VERB
fsr-3161	202	4	in	in	ADP
fsr-3161	202	5	table	table	NOUN
fsr-3161	202	6	2	2	NUM
fsr-3161	202	7	the	the	DET
fsr-3161	202	8	first	first	ADJ
fsr-3161	202	9	glimpse	glimpse	NOUN
fsr-3161	202	10	of	of	ADP
fsr-3161	202	11	the	the	DET
fsr-3161	202	12	effect	effect	NOUN
fsr-3161	202	13	of	of	ADP
fsr-3161	202	14	family	family	NOUN
fsr-3161	202	15	of	of	ADP
fsr-3161	202	16	origin	origin	NOUN
fsr-3161	202	17	.	.	PUNCT
fsr-3161	203	1	while	while	SCONJ
fsr-3161	203	2	table	table	NOUN
fsr-3161	203	3	2	2	NUM
fsr-3161	203	4	probit	probit	NOUN
fsr-3161	203	5	analysis	analysis	NOUN
fsr-3161	203	6	of	of	ADP
fsr-3161	203	7	2019	2019	NUM
fsr-3161	203	8	psid	psid	ADJ
fsr-3161	203	9	data	datum	NOUN
fsr-3161	203	10	(	(	PUNCT
fsr-3161	203	11	n	n	NOUN
fsr-3161	203	12	=	=	SYM
fsr-3161	203	13	7,994	7,994	NUM
fsr-3161	203	14	)	)	PUNCT
fsr-3161	203	15	exclusive	exclusive	NOUN
fsr-3161	203	16	of	of	ADP
fsr-3161	203	17	the	the	DET
fsr-3161	203	18	family	family	NOUN
fsr-3161	203	19	of	of	ADP
fsr-3161	203	20	origin	origin	NOUN
fsr-3161	203	21	variables	variable	VERB
fsr-3161	203	22	philanthropic	philanthropic	NOUN
fsr-3161	203	23	contributions	contribution	NOUN
fsr-3161	203	24	followed	follow	VERB
fsr-3161	203	25	by	by	ADP
fsr-3161	203	26	“	"	PUNCT
fsr-3161	203	27	$	$	SYM
fsr-3161	203	28	”	"	PUNCT
fsr-3161	203	29	dependent	dependent	ADJ
fsr-3161	203	30	variable	variable	NOUN
fsr-3161	203	31	:	:	PUNCT
fsr-3161	203	32	saving	save	VERB
fsr-3161	203	33	for	for	ADP
fsr-3161	203	34	retirement	retirement	NOUN
fsr-3161	203	35	coefficient	coefficient	NOUN
fsr-3161	203	36	se	se	PROPN
fsr-3161	203	37	z	z	PROPN
fsr-3161	203	38	p	p	ADJ
fsr-3161	203	39	-	-	PUNCT
fsr-3161	203	40	value	value	NOUN
fsr-3161	203	41	constant	constant	ADJ
fsr-3161	203	42	�	�	PROPN
fsr-3161	203	43	4.60345	4.60345	NUM
fsr-3161	203	44	0.245827	0.245827	NUM
fsr-3161	203	45	�	�	SYM
fsr-3161	203	46	18.73	18.73	NUM
fsr-3161	203	47	<	<	X
fsr-3161	203	48	.0001	.0001	PUNCT
fsr-3161	203	49	*	*	PUNCT
fsr-3161	203	50	*	*	PUNCT
fsr-3161	203	51	*	*	PUNCT
fsr-3161	203	52	income	income	NOUN
fsr-3161	203	53	5.83488e-06	5.83488e-06	NUM
fsr-3161	203	54	3.34007e-07	3.34007e-07	NUM
fsr-3161	203	55	17.47	17.47	NUM
fsr-3161	203	56	<	<	X
fsr-3161	203	57	.0001	.0001	PUNCT
fsr-3161	203	58	*	*	PUNCT
fsr-3161	203	59	*	*	PUNCT
fsr-3161	203	60	*	*	PUNCT
fsr-3161	203	61	age	age	NOUN
fsr-3161	203	62	0.0653389	0.0653389	NUM
fsr-3161	203	63	0.0101352	0.0101352	NUM
fsr-3161	203	64	6.447	6.447	NUM
fsr-3161	203	65	<	<	X
fsr-3161	203	66	.0001	.0001	PUNCT
fsr-3161	203	67	*	*	PUNCT
fsr-3161	203	68	*	*	PUNCT
fsr-3161	203	69	*	*	PUNCT
fsr-3161	203	70	age2	age2	PROPN
fsr-3161	203	71	�	�	PROPN
fsr-3161	203	72	0.000736212	0.000736212	NUM
fsr-3161	203	73	0.000114324	0.000114324	NUM
fsr-3161	203	74	�	�	NOUN
fsr-3161	203	75	6.440	6.440	NUM
fsr-3161	203	76	<	<	X
fsr-3161	203	77	.0001	.0001	PUNCT
fsr-3161	203	78	*	*	PUNCT
fsr-3161	203	79	*	*	PUNCT
fsr-3161	203	80	*	*	PUNCT
fsr-3161	203	81	education	education	NOUN
fsr-3161	203	82	0.137487	0.137487	NUM
fsr-3161	203	83	0.00775512	0.00775512	NUM
fsr-3161	203	84	17.73	17.73	NUM
fsr-3161	203	85	<	<	X
fsr-3161	203	86	.0001	.0001	PUNCT
fsr-3161	203	87	*	*	PUNCT
fsr-3161	203	88	*	*	PUNCT
fsr-3161	203	89	*	*	PUNCT
fsr-3161	203	90	male	male	ADJ
fsr-3161	203	91	�	�	PROPN
fsr-3161	203	92	0.0129764	0.0129764	NUM
fsr-3161	203	93	0.0482848	0.0482848	NUM
fsr-3161	203	94	�	�	NOUN
fsr-3161	203	95	0.2687	0.2687	NUM
fsr-3161	203	96	.7881	.7881	NOUN
fsr-3161	203	97	married	marry	VERB
fsr-3161	203	98	0.329825	0.329825	NUM
fsr-3161	203	99	0.0488800	0.0488800	NUM
fsr-3161	203	100	6.748	6.748	NUM
fsr-3161	203	101	<	<	X
fsr-3161	203	102	.0001	.0001	PROPN
fsr-3161	203	103	*	*	PUNCT
fsr-3161	203	104	*	*	PUNCT
fsr-3161	203	105	*	*	PUNCT
fsr-3161	203	106	health	health	NOUN
fsr-3161	203	107	status	status	NOUN
fsr-3161	203	108	�	�	PROPN
fsr-3161	203	109	0.0771171	0.0771171	NUM
fsr-3161	203	110	0.0170285	0.0170285	NUM
fsr-3161	203	111	�	�	NOUN
fsr-3161	203	112	4.529	4.529	NUM
fsr-3161	203	113	<	<	X
fsr-3161	203	114	.0001	.0001	PROPN
fsr-3161	203	115	*	*	PUNCT
fsr-3161	203	116	*	*	PUNCT
fsr-3161	203	117	*	*	VERB
fsr-3161	203	118	children	child	NOUN
fsr-3161	203	119	�	�	VERB
fsr-3161	203	120	0.0937214	0.0937214	NUM
fsr-3161	203	121	0.0153356	0.0153356	NUM
fsr-3161	203	122	�	�	NOUN
fsr-3161	203	123	6.111	6.111	NUM
fsr-3161	203	124	<	<	X
fsr-3161	203	125	.0001	.0001	PUNCT
fsr-3161	203	126	*	*	PUNCT
fsr-3161	203	127	*	*	PUNCT
fsr-3161	203	128	*	*	PUNCT
fsr-3161	203	129	minority	minority	NOUN
fsr-3161	203	130	�	�	NOUN
fsr-3161	203	131	0.282718	0.282718	NUM
fsr-3161	203	132	0.0345042	0.0345042	NUM
fsr-3161	203	133	�	�	NOUN
fsr-3161	203	134	8.194	8.194	NUM
fsr-3161	203	135	<	<	X
fsr-3161	203	136	.0001	.0001	PUNCT
fsr-3161	203	137	*	*	PUNCT
fsr-3161	203	138	*	*	PUNCT
fsr-3161	203	139	*	*	PUNCT
fsr-3161	203	140	lived	live	VERB
fsr-3161	203	141	with	with	ADP
fsr-3161	203	142	parents	parent	NOUN
fsr-3161	203	143	0.0994510	0.0994510	NUM
fsr-3161	203	144	0.0356185	0.0356185	NUM
fsr-3161	203	145	2.792	2.792	NUM
fsr-3161	203	146	.0052	.0052	PROPN
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fsr-3161	203	148	*	*	PROPN
fsr-3161	203	149	*	*	PROPN
fsr-3161	203	150	union	union	NOUN
fsr-3161	203	151	member	member	NOUN
fsr-3161	203	152	0.622159	0.622159	NUM
fsr-3161	203	153	0.0569302	0.0569302	NUM
fsr-3161	203	154	10.93	10.93	NUM
fsr-3161	203	155	<	<	X
fsr-3161	203	156	.0001	.0001	PROPN
fsr-3161	203	157	*	*	PUNCT
fsr-3161	203	158	*	*	PUNCT
fsr-3161	203	159	*	*	PUNCT
fsr-3161	203	160	health	health	NOUN
fsr-3161	203	161	insurance	insurance	NOUN
fsr-3161	203	162	1.04121	1.04121	NUM
fsr-3161	203	163	0.0783915	0.0783915	NUM
fsr-3161	203	164	13.28	13.28	NUM
fsr-3161	203	165	<	<	X
fsr-3161	203	166	.0001	.0001	PUNCT
fsr-3161	203	167	*	*	PUNCT
fsr-3161	203	168	*	*	PUNCT
fsr-3161	203	169	*	*	PUNCT
fsr-3161	203	170	religious	religious	ADJ
fsr-3161	203	171	$	$	SYM
fsr-3161	203	172	4.62806e-05	4.62806e-05	NUM
fsr-3161	203	173	9.92698e-06	9.92698e-06	NUM
fsr-3161	203	174	4.662	4.662	NUM
fsr-3161	203	175	<	<	X
fsr-3161	203	176	.0001	.0001	PUNCT
fsr-3161	203	177	*	*	PUNCT
fsr-3161	203	178	*	*	PUNCT
fsr-3161	203	179	*	*	PUNCT
fsr-3161	203	180	combo	combo	VERB
fsr-3161	203	181	$	$	SYM
fsr-3161	203	182	4.58896e-05	4.58896e-05	NUM
fsr-3161	203	183	4.86573e-05	4.86573e-05	NUM
fsr-3161	203	184	0.9431	0.9431	NUM
fsr-3161	203	185	.3456	.3456	NOUN
fsr-3161	203	186	needy	needy	VERB
fsr-3161	203	187	$	$	SYM
fsr-3161	203	188	9.18933e-07	9.18933e-07	NUM
fsr-3161	203	189	3.36444e-05	3.36444e-05	NUM
fsr-3161	203	190	0.02731	0.02731	NUM
fsr-3161	203	191	.9782	.9782	NOUN
fsr-3161	203	192	health	health	NOUN
fsr-3161	203	193	$	$	SYM
fsr-3161	203	194	0.000280908	0.000280908	NUM
fsr-3161	203	195	0.000143534	0.000143534	NUM
fsr-3161	203	196	1.957	1.957	NUM
fsr-3161	203	197	.0503	.0503	NOUN
fsr-3161	203	198	*	*	PUNCT
fsr-3161	203	199	education	education	PROPN
fsr-3161	203	200	$	$	SYM
fsr-3161	203	201	�	�	PROPN
fsr-3161	203	202	3.47601e-05	3.47601e-05	NUM
fsr-3161	203	203	9.87521e-05	9.87521e-05	NUM
fsr-3161	203	204	�	�	NOUN
fsr-3161	203	205	0.3520	0.3520	NUM
fsr-3161	203	206	.7248	.7248	NOUN
fsr-3161	203	207	youth	youth	NOUN
fsr-3161	203	208	$	$	SYM
fsr-3161	203	209	�	�	PROPN
fsr-3161	203	210	0.000292925	0.000292925	NUM
fsr-3161	203	211	0.000116167	0.000116167	NUM
fsr-3161	203	212	�	�	NOUN
fsr-3161	203	213	2.522	2.522	NUM
fsr-3161	203	214	.0117	.0117	ADP
fsr-3161	203	215	*	*	PROPN
fsr-3161	203	216	*	*	PUNCT
fsr-3161	203	217	cultural	cultural	ADJ
fsr-3161	203	218	$	$	SYM
fsr-3161	203	219	0.000323009	0.000323009	NUM
fsr-3161	203	220	0.000195115	0.000195115	NUM
fsr-3161	203	221	1.655	1.655	NUM
fsr-3161	203	222	.0978	.0978	PROPN
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fsr-3161	203	224	community	community	NOUN
fsr-3161	203	225	$	$	SYM
fsr-3161	203	226	�	�	PROPN
fsr-3161	203	227	3.39467e-05	3.39467e-05	NUM
fsr-3161	203	228	0.000353272	0.000353272	NUM
fsr-3161	203	229	�	�	NOUN
fsr-3161	203	230	0.09609	0.09609	NUM
fsr-3161	203	231	.9234	.9234	ADJ
fsr-3161	203	232	environment	environment	NOUN
fsr-3161	203	233	$	$	SYM
fsr-3161	203	234	0.00152810	0.00152810	NUM
fsr-3161	203	235	0.000494932	0.000494932	NUM
fsr-3161	203	236	3.087	3.087	NUM
fsr-3161	203	237	.0020	.0020	NOUN
fsr-3161	203	238	*	*	PUNCT
fsr-3161	203	239	*	*	PUNCT
fsr-3161	203	240	*	*	VERB
fsr-3161	203	241	peace	peace	NOUN
fsr-3161	203	242	$	$	SYM
fsr-3161	203	243	0.000214843	0.000214843	NUM
fsr-3161	203	244	0.000191108	0.000191108	NUM
fsr-3161	203	245	1.124	1.124	NUM
fsr-3161	203	246	.2609	.2609	NOUN
fsr-3161	203	247	other	other	ADJ
fsr-3161	203	248	$	$	SYM
fsr-3161	203	249	7.58910e-06	7.58910e-06	NUM
fsr-3161	203	250	3.94299e-05	3.94299e-05	NUM
fsr-3161	203	251	0.1925	0.1925	NUM
fsr-3161	203	252	.8474	.8474	NOUN
fsr-3161	203	253	mean	mean	VERB
fsr-3161	203	254	dependent	dependent	ADJ
fsr-3161	203	255	variable	variable	ADJ
fsr-3161	203	256	0.462222	0.462222	NUM
fsr-3161	203	257	sd	sd	ADP
fsr-3161	203	258	dependent	dependent	ADJ
fsr-3161	204	1	variable	variable	ADJ
fsr-3161	204	2	.498602	.498602	PROPN
fsr-3161	204	3	mcfadden	mcfadden	PROPN
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fsr-3161	204	6	adjusted	adjust	VERB
fsr-3161	204	7	r2	r2	PROPN
fsr-3161	204	8	.285014	.285014	PROPN
fsr-3161	204	9	log	log	NOUN
fsr-3161	204	10	-	-	PUNCT
fsr-3161	204	11	likelihood	likelihood	NOUN
fsr-3161	204	12	�	�	NOUN
fsr-3161	204	13	3921.419	3921.419	NUM
fsr-3161	204	14	akaike	akaike	ADJ
fsr-3161	204	15	criterion	criterion	NOUN
fsr-3161	204	16	7890.839	7890.839	NUM
fsr-3161	204	17	note	note	NOUN
fsr-3161	204	18	.	.	PUNCT
fsr-3161	205	1	psid	psid	ADJ
fsr-3161	205	2	=	=	ADJ
fsr-3161	205	3	panel	panel	NOUN
fsr-3161	205	4	study	study	NOUN
fsr-3161	205	5	of	of	ADP
fsr-3161	205	6	income	income	NOUN
fsr-3161	205	7	dynamics	dynamic	NOUN
fsr-3161	205	8	.	.	PUNCT
fsr-3161	206	1	the	the	DET
fsr-3161	206	2	number	number	NOUN
fsr-3161	206	3	of	of	ADP
fsr-3161	206	4	cases	case	NOUN
fsr-3161	206	5	“	"	PUNCT
fsr-3161	206	6	correctly	correctly	ADV
fsr-3161	206	7	predicted	predict	VERB
fsr-3161	206	8	”	"	PUNCT
fsr-3161	206	9	=	=	SYM
fsr-3161	206	10	6,176	6,176	NUM
fsr-3161	206	11	(	(	PUNCT
fsr-3161	206	12	77.3	77.3	NUM
fsr-3161	206	13	%	%	NOUN
fsr-3161	206	14	)	)	PUNCT
fsr-3161	206	15	.	.	PUNCT
fsr-3161	207	1	philanthropic	philanthropic	NOUN
fsr-3161	207	2	donations	donation	NOUN
fsr-3161	207	3	followed	follow	VERB
fsr-3161	207	4	by	by	ADP
fsr-3161	207	5	“	"	PUNCT
fsr-3161	207	6	$	$	SYM
fsr-3161	207	7	”	"	PUNCT
fsr-3161	207	8	.	.	PUNCT
fsr-3161	208	1	*	*	PUNCT
fsr-3161	208	2	p	p	X
fsr-3161	208	3	<	<	X
fsr-3161	208	4	.10	.10	NUM
fsr-3161	208	5	,	,	PUNCT
fsr-3161	208	6	*	*	PUNCT
fsr-3161	208	7	*	*	PUNCT
fsr-3161	208	8	p	p	X
fsr-3161	208	9	<	<	X
fsr-3161	208	10	.05	.05	NUM
fsr-3161	208	11	,	,	PUNCT
fsr-3161	208	12	*	*	PUNCT
fsr-3161	208	13	*	*	PUNCT
fsr-3161	208	14	*	*	PUNCT
fsr-3161	208	15	p	p	X
fsr-3161	208	16	<	<	X
fsr-3161	208	17	.01	.01	NUM
fsr-3161	208	18	.	.	PUNCT
fsr-3161	208	19	b.	b.	PROPN
fsr-3161	208	20	t.	t.	PROPN
fsr-3161	208	21	starr	starr	PROPN
fsr-3161	208	22	/	/	SYM
fsr-3161	208	23	financial	financial	ADJ
fsr-3161	208	24	services	service	NOUN
fsr-3161	208	25	review	review	VERB
fsr-3161	208	26	30	30	NUM
fsr-3161	208	27	(	(	PUNCT
fsr-3161	208	28	2022	2022	NUM
fsr-3161	208	29	)	)	PUNCT
fsr-3161	208	30	251–271	251–271	NUM
fsr-3161	208	31	261	261	NUM
fsr-3161	208	32	in	in	ADP
fsr-3161	208	33	this	this	DET
fsr-3161	208	34	iteration	iteration	NOUN
fsr-3161	208	35	of	of	ADP
fsr-3161	208	36	the	the	DET
fsr-3161	208	37	analysis	analysis	NOUN
fsr-3161	208	38	we	we	PRON
fsr-3161	208	39	know	know	VERB
fsr-3161	208	40	nothing	nothing	PRON
fsr-3161	208	41	of	of	ADP
fsr-3161	208	42	parental	parental	ADJ
fsr-3161	208	43	behavior	behavior	NOUN
fsr-3161	208	44	,	,	PUNCT
fsr-3161	208	45	we	we	PRON
fsr-3161	208	46	see	see	VERB
fsr-3161	208	47	that	that	SCONJ
fsr-3161	208	48	those	those	PRON
fsr-3161	208	49	who	who	PRON
fsr-3161	208	50	grew	grow	VERB
fsr-3161	208	51	up	up	ADP
fsr-3161	208	52	with	with	ADP
fsr-3161	208	53	both	both	DET
fsr-3161	208	54	parents	parent	NOUN
fsr-3161	208	55	in	in	ADP
fsr-3161	208	56	the	the	DET
fsr-3161	208	57	household	household	NOUN
fsr-3161	208	58	are	be	AUX
fsr-3161	208	59	more	more	ADV
fsr-3161	208	60	likely	likely	ADJ
fsr-3161	208	61	to	to	PART
fsr-3161	208	62	save	save	VERB
fsr-3161	208	63	for	for	ADP
fsr-3161	208	64	retirement	retirement	NOUN
fsr-3161	208	65	.	.	PUNCT
fsr-3161	209	1	next	next	ADV
fsr-3161	209	2	,	,	PUNCT
fsr-3161	209	3	consider	consider	VERB
fsr-3161	209	4	in	in	ADP
fsr-3161	209	5	table	table	NOUN
fsr-3161	209	6	3	3	NUM
fsr-3161	209	7	our	our	PRON
fsr-3161	209	8	cardinal	cardinal	ADJ
fsr-3161	209	9	analysis	analysis	NOUN
fsr-3161	209	10	of	of	ADP
fsr-3161	209	11	retirement	retirement	NOUN
fsr-3161	209	12	savings	saving	NOUN
fsr-3161	209	13	accumulation	accumulation	NOUN
fsr-3161	209	14	as	as	ADP
fsr-3161	209	15	a	a	DET
fsr-3161	209	16	function	function	NOUN
fsr-3161	209	17	of	of	ADP
fsr-3161	209	18	the	the	DET
fsr-3161	209	19	same	same	ADJ
fsr-3161	209	20	variables	variable	NOUN
fsr-3161	209	21	analyzed	analyze	VERB
fsr-3161	209	22	from	from	ADP
fsr-3161	209	23	the	the	DET
fsr-3161	209	24	binary	binary	ADJ
fsr-3161	209	25	analysis	analysis	NOUN
fsr-3161	209	26	.	.	PUNCT
fsr-3161	210	1	through	through	ADP
fsr-3161	210	2	ols	ol	NOUN
fsr-3161	210	3	regression	regression	NOUN
fsr-3161	210	4	,	,	PUNCT
fsr-3161	210	5	we	we	PRON
fsr-3161	210	6	observe	observe	VERB
fsr-3161	210	7	,	,	PUNCT
fsr-3161	210	8	when	when	SCONJ
fsr-3161	210	9	known	know	VERB
fsr-3161	210	10	,	,	PUNCT
fsr-3161	210	11	the	the	DET
fsr-3161	210	12	total	total	ADJ
fsr-3161	210	13	amount	amount	NOUN
fsr-3161	210	14	of	of	ADP
fsr-3161	210	15	retirement	retirement	NOUN
fsr-3161	210	16	savings	saving	NOUN
fsr-3161	210	17	accumulation	accumulation	NOUN
fsr-3161	210	18	.	.	PUNCT
fsr-3161	211	1	one	one	NUM
fsr-3161	211	2	immediately	immediately	ADV
fsr-3161	211	3	notes	note	VERB
fsr-3161	211	4	several	several	ADJ
fsr-3161	211	5	points	point	NOUN
fsr-3161	211	6	of	of	ADP
fsr-3161	211	7	continuity	continuity	NOUN
fsr-3161	211	8	between	between	ADP
fsr-3161	211	9	what	what	PRON
fsr-3161	211	10	we	we	PRON
fsr-3161	211	11	observed	observe	VERB
fsr-3161	211	12	in	in	ADP
fsr-3161	211	13	the	the	DET
fsr-3161	211	14	first	first	ADJ
fsr-3161	211	15	stage	stage	NOUN
fsr-3161	211	16	of	of	ADP
fsr-3161	211	17	the	the	DET
fsr-3161	211	18	retirement	retirement	NOUN
fsr-3161	211	19	savings	saving	NOUN
fsr-3161	211	20	decision	decision	NOUN
fsr-3161	211	21	(	(	PUNCT
fsr-3161	211	22	whether	whether	SCONJ
fsr-3161	211	23	to	to	PART
fsr-3161	211	24	do	do	VERB
fsr-3161	211	25	so	so	ADV
fsr-3161	211	26	)	)	PUNCT
fsr-3161	211	27	and	and	CCONJ
fsr-3161	211	28	the	the	DET
fsr-3161	211	29	amount	amount	NOUN
fsr-3161	211	30	which	which	PRON
fsr-3161	211	31	has	have	AUX
fsr-3161	211	32	been	be	AUX
fsr-3161	211	33	accumulated	accumulate	VERB
fsr-3161	211	34	.	.	PUNCT
fsr-3161	212	1	as	as	SCONJ
fsr-3161	212	2	expected	expect	VERB
fsr-3161	212	3	,	,	PUNCT
fsr-3161	212	4	income	income	NOUN
fsr-3161	212	5	,	,	PUNCT
fsr-3161	212	6	age	age	NOUN
fsr-3161	212	7	(	(	PUNCT
fsr-3161	212	8	or	or	CCONJ
fsr-3161	212	9	,	,	PUNCT
fsr-3161	212	10	in	in	ADP
fsr-3161	212	11	this	this	DET
fsr-3161	212	12	case	case	NOUN
fsr-3161	212	13	,	,	PUNCT
fsr-3161	212	14	its	its	PRON
fsr-3161	212	15	square	square	NOUN
fsr-3161	212	16	)	)	PUNCT
fsr-3161	212	17	and	and	CCONJ
fsr-3161	212	18	education	education	NOUN
fsr-3161	212	19	take	take	VERB
fsr-3161	212	20	positive	positive	ADJ
fsr-3161	212	21	coefficients	coefficient	NOUN
fsr-3161	212	22	in	in	ADP
fsr-3161	212	23	the	the	DET
fsr-3161	212	24	ols	ol	NOUN
fsr-3161	212	25	regression	regression	NOUN
fsr-3161	212	26	.	.	PUNCT
fsr-3161	213	1	minority	minority	NOUN
fsr-3161	213	2	status	status	NOUN
fsr-3161	213	3	continues	continue	VERB
fsr-3161	213	4	to	to	PART
fsr-3161	213	5	be	be	AUX
fsr-3161	213	6	both	both	PRON
fsr-3161	213	7	economically	economically	ADV
fsr-3161	213	8	and	and	CCONJ
fsr-3161	213	9	statistically	statistically	ADV
fsr-3161	213	10	significant	significant	ADJ
fsr-3161	213	11	with	with	ADP
fsr-3161	213	12	a	a	DET
fsr-3161	213	13	negative	negative	ADJ
fsr-3161	213	14	coefficient	coefficient	NOUN
fsr-3161	213	15	and	and	CCONJ
fsr-3161	213	16	poor	poor	ADJ
fsr-3161	213	17	health	health	NOUN
fsr-3161	213	18	is	be	AUX
fsr-3161	213	19	associated	associate	VERB
fsr-3161	213	20	with	with	ADP
fsr-3161	213	21	lower	low	ADJ
fsr-3161	213	22	retirement	retirement	NOUN
fsr-3161	213	23	account	account	NOUN
fsr-3161	213	24	balances	balance	NOUN
fsr-3161	213	25	.	.	PUNCT
fsr-3161	214	1	similarly	similarly	ADV
fsr-3161	214	2	,	,	PUNCT
fsr-3161	214	3	all	all	DET
fsr-3161	214	4	statistically	statistically	ADV
fsr-3161	214	5	significant	significant	ADJ
fsr-3161	214	6	philanthropic	philanthropic	NOUN
fsr-3161	214	7	behavior	behavior	NOUN
fsr-3161	214	8	(	(	PUNCT
fsr-3161	214	9	note	note	VERB
fsr-3161	214	10	more	more	ADJ
fsr-3161	214	11	of	of	ADP
fsr-3161	214	12	the	the	DET
fsr-3161	214	13	various	various	ADJ
fsr-3161	214	14	types	type	NOUN
fsr-3161	214	15	of	of	ADP
fsr-3161	214	16	philanthropy	philanthropy	NOUN
fsr-3161	214	17	are	be	AUX
fsr-3161	214	18	statistically	statistically	ADV
fsr-3161	214	19	significant	significant	ADJ
fsr-3161	214	20	here	here	ADV
fsr-3161	214	21	than	than	ADP
fsr-3161	214	22	in	in	ADP
fsr-3161	214	23	our	our	PRON
fsr-3161	214	24	probit	probit	NOUN
fsr-3161	214	25	analysis	analysis	NOUN
fsr-3161	214	26	)	)	PUNCT
fsr-3161	214	27	table	table	NOUN
fsr-3161	214	28	3	3	NUM
fsr-3161	214	29	ols	ol	NOUN
fsr-3161	214	30	analysis	analysis	NOUN
fsr-3161	214	31	of	of	ADP
fsr-3161	214	32	2019	2019	NUM
fsr-3161	214	33	psid	psid	ADJ
fsr-3161	214	34	data	datum	NOUN
fsr-3161	214	35	(	(	PUNCT
fsr-3161	214	36	n	n	NOUN
fsr-3161	214	37	=	=	SYM
fsr-3161	214	38	7,512	7,512	NUM
fsr-3161	214	39	)	)	PUNCT
fsr-3161	214	40	exclusive	exclusive	NOUN
fsr-3161	214	41	of	of	ADP
fsr-3161	214	42	the	the	DET
fsr-3161	214	43	family	family	NOUN
fsr-3161	214	44	of	of	ADP
fsr-3161	214	45	origin	origin	NOUN
fsr-3161	214	46	variables	variable	VERB
fsr-3161	214	47	philanthropic	philanthropic	NOUN
fsr-3161	214	48	contributions	contribution	NOUN
fsr-3161	214	49	followed	follow	VERB
fsr-3161	214	50	by	by	ADP
fsr-3161	214	51	“	"	PUNCT
fsr-3161	214	52	$	$	SYM
fsr-3161	214	53	”	"	PUNCT
fsr-3161	214	54	dependent	dependent	ADJ
fsr-3161	214	55	variable	variable	NOUN
fsr-3161	214	56	:	:	PUNCT
fsr-3161	214	57	retirement	retirement	NOUN
fsr-3161	214	58	savings	saving	NOUN
fsr-3161	214	59	accumulated	accumulate	VERB
fsr-3161	214	60	coefficient	coefficient	NOUN
fsr-3161	214	61	se	se	PROPN
fsr-3161	214	62	t	t	PROPN
fsr-3161	214	63	-	-	PUNCT
fsr-3161	214	64	ratio	ratio	NOUN
fsr-3161	214	65	p	p	NOUN
fsr-3161	214	66	-	-	PUNCT
fsr-3161	214	67	value	value	NOUN
fsr-3161	214	68	constant	constant	ADJ
fsr-3161	214	69	�	�	PROPN
fsr-3161	214	70	122706	122706	NUM
fsr-3161	214	71	18039.4	18039.4	NUM
fsr-3161	214	72	�	�	PROPN
fsr-3161	214	73	6.802	6.802	NUM
fsr-3161	214	74	<	<	X
fsr-3161	214	75	.0001	.0001	PROPN
fsr-3161	214	76	*	*	PUNCT
fsr-3161	214	77	*	*	PUNCT
fsr-3161	214	78	*	*	PUNCT
fsr-3161	214	79	income	income	NOUN
fsr-3161	214	80	0.827321	0.827321	NUM
fsr-3161	214	81	0.0335647	0.0335647	NUM
fsr-3161	214	82	24.65	24.65	NUM
fsr-3161	214	83	<	<	X
fsr-3161	214	84	.0001	.0001	PUNCT
fsr-3161	214	85	*	*	PUNCT
fsr-3161	214	86	*	*	PUNCT
fsr-3161	214	87	*	*	PROPN
fsr-3161	214	88	age2	age2	PROPN
fsr-3161	214	89	35.3199	35.3199	NUM
fsr-3161	214	90	2.21022	2.21022	NUM
fsr-3161	214	91	15.98	15.98	NUM
fsr-3161	214	92	<	<	X
fsr-3161	214	93	.0001	.0001	PUNCT
fsr-3161	214	94	*	*	PUNCT
fsr-3161	214	95	*	*	PUNCT
fsr-3161	214	96	*	*	PUNCT
fsr-3161	214	97	education	education	NOUN
fsr-3161	214	98	6521.88	6521.88	NUM
fsr-3161	214	99	1006.48	1006.48	NUM
fsr-3161	214	100	6.480	6.480	NUM
fsr-3161	214	101	<	<	X
fsr-3161	214	102	.0001	.0001	PROPN
fsr-3161	214	103	*	*	PUNCT
fsr-3161	214	104	*	*	PUNCT
fsr-3161	214	105	*	*	PUNCT
fsr-3161	214	106	male	male	ADJ
fsr-3161	214	107	6477.73	6477.73	NUM
fsr-3161	214	108	6719.82	6719.82	NUM
fsr-3161	214	109	0.9640	0.9640	NUM
fsr-3161	214	110	.3351	.3351	NOUN
fsr-3161	214	111	married	marry	VERB
fsr-3161	214	112	�	�	PROPN
fsr-3161	214	113	2189.18	2189.18	NUM
fsr-3161	214	114	6880.26	6880.26	NUM
fsr-3161	214	115	�	�	NOUN
fsr-3161	214	116	0.3182	0.3182	NUM
fsr-3161	214	117	.7504	.7504	NOUN
fsr-3161	214	118	health	health	NOUN
fsr-3161	214	119	status	status	NOUN
fsr-3161	214	120	�	�	PROPN
fsr-3161	214	121	10734.1	10734.1	NUM
fsr-3161	214	122	2353.69	2353.69	NUM
fsr-3161	214	123	�	�	PROPN
fsr-3161	214	124	4.561	4.561	NUM
fsr-3161	214	125	<	<	X
fsr-3161	214	126	.0001	.0001	PUNCT
fsr-3161	214	127	*	*	PUNCT
fsr-3161	214	128	*	*	PUNCT
fsr-3161	214	129	*	*	VERB
fsr-3161	214	130	children	child	NOUN
fsr-3161	214	131	�	�	PROPN
fsr-3161	214	132	2830.25	2830.25	NUM
fsr-3161	214	133	2086.15	2086.15	NUM
fsr-3161	214	134	�	�	PROPN
fsr-3161	214	135	1.357	1.357	NUM
fsr-3161	214	136	.1749	.1749	NOUN
fsr-3161	214	137	minority	minority	NOUN
fsr-3161	214	138	�	�	PROPN
fsr-3161	214	139	30057.6	30057.6	NUM
fsr-3161	214	140	4959.56	4959.56	NUM
fsr-3161	214	141	�	�	PROPN
fsr-3161	214	142	6.061	6.061	NUM
fsr-3161	214	143	<	<	X
fsr-3161	214	144	.0001	.0001	PUNCT
fsr-3161	214	145	*	*	PUNCT
fsr-3161	214	146	*	*	PUNCT
fsr-3161	214	147	*	*	PUNCT
fsr-3161	214	148	lived	live	VERB
fsr-3161	214	149	with	with	ADP
fsr-3161	214	150	parents	parent	NOUN
fsr-3161	214	151	2996.90	2996.90	NUM
fsr-3161	214	152	5036.12	5036.12	NUM
fsr-3161	214	153	0.5951	0.5951	NUM
fsr-3161	214	154	.5518	.5518	PROPN
fsr-3161	214	155	union	union	PROPN
fsr-3161	214	156	member	member	NOUN
fsr-3161	214	157	�	�	PROPN
fsr-3161	214	158	20101.7	20101.7	NUM
fsr-3161	214	159	8227.37	8227.37	NUM
fsr-3161	214	160	�	�	PROPN
fsr-3161	214	161	2.443	2.443	NUM
fsr-3161	214	162	.0146	.0146	NOUN
fsr-3161	214	163	*	*	PUNCT
fsr-3161	214	164	*	*	PUNCT
fsr-3161	214	165	health	health	NOUN
fsr-3161	214	166	insurance	insurance	NOUN
fsr-3161	214	167	�	�	PROPN
fsr-3161	214	168	3422.28	3422.28	NUM
fsr-3161	214	169	8146.88	8146.88	NUM
fsr-3161	214	170	�	�	NOUN
fsr-3161	214	171	0.4201	0.4201	NUM
fsr-3161	214	172	.6744	.6744	ADJ
fsr-3161	214	173	religious	religious	ADJ
fsr-3161	214	174	$	$	SYM
fsr-3161	214	175	2.10752	2.10752	NUM
fsr-3161	214	176	0.958022	0.958022	NUM
fsr-3161	214	177	2.200	2.200	NUM
fsr-3161	214	178	.0278	.0278	NOUN
fsr-3161	214	179	*	*	PUNCT
fsr-3161	214	180	*	*	NOUN
fsr-3161	214	181	combo	combo	ADJ
fsr-3161	214	182	$	$	SYM
fsr-3161	214	183	10.7533	10.7533	NUM
fsr-3161	214	184	4.88625	4.88625	NUM
fsr-3161	214	185	2.201	2.201	NUM
fsr-3161	214	186	.0278	.0278	NOUN
fsr-3161	214	187	*	*	PUNCT
fsr-3161	214	188	*	*	NOUN
fsr-3161	214	189	needy	needy	ADJ
fsr-3161	214	190	$	$	SYM
fsr-3161	214	191	9.79702	9.79702	NUM
fsr-3161	214	192	4.16270	4.16270	NUM
fsr-3161	214	193	2.354	2.354	NUM
fsr-3161	214	194	.0186	.0186	PROPN
fsr-3161	214	195	*	*	PUNCT
fsr-3161	214	196	*	*	PUNCT
fsr-3161	214	197	health	health	NOUN
fsr-3161	214	198	$	$	SYM
fsr-3161	214	199	21.3235	21.3235	NUM
fsr-3161	214	200	8.58277	8.58277	NUM
fsr-3161	214	201	2.484	2.484	NUM
fsr-3161	214	202	.0130	.0130	PROPN
fsr-3161	214	203	*	*	PUNCT
fsr-3161	214	204	*	*	PUNCT
fsr-3161	214	205	education	education	PROPN
fsr-3161	214	206	$	$	SYM
fsr-3161	214	207	�	�	PROPN
fsr-3161	214	208	7.89183	7.89183	NUM
fsr-3161	214	209	7.32756	7.32756	NUM
fsr-3161	214	210	�	�	PROPN
fsr-3161	214	211	1.077	1.077	NUM
fsr-3161	214	212	.2815	.2815	NOUN
fsr-3161	214	213	youth	youth	PROPN
fsr-3161	214	214	$	$	SYM
fsr-3161	214	215	�	�	PROPN
fsr-3161	214	216	27.0763	27.0763	NUM
fsr-3161	214	217	13.7150	13.7150	NUM
fsr-3161	214	218	�	�	NOUN
fsr-3161	214	219	1.974	1.974	NUM
fsr-3161	214	220	.0484	.0484	NOUN
fsr-3161	214	221	*	*	PUNCT
fsr-3161	214	222	*	*	PUNCT
fsr-3161	214	223	cultural	cultural	ADJ
fsr-3161	214	224	$	$	SYM
fsr-3161	214	225	17.2087	17.2087	NUM
fsr-3161	214	226	6.19687	6.19687	NUM
fsr-3161	214	227	2.777	2.777	NUM
fsr-3161	214	228	.0055	.0055	NOUN
fsr-3161	214	229	*	*	PUNCT
fsr-3161	214	230	*	*	PUNCT
fsr-3161	214	231	*	*	PROPN
fsr-3161	214	232	community	community	NOUN
fsr-3161	214	233	$	$	SYM
fsr-3161	214	234	49.3573	49.3573	NUM
fsr-3161	214	235	28.9072	28.9072	NUM
fsr-3161	214	236	1.707	1.707	NUM
fsr-3161	214	237	.0878	.0878	PROPN
fsr-3161	214	238	*	*	PROPN
fsr-3161	214	239	environment	environment	PROPN
fsr-3161	214	240	$	$	SYM
fsr-3161	214	241	174.036	174.036	NUM
fsr-3161	214	242	21.6076	21.6076	NUM
fsr-3161	214	243	8.054	8.054	NUM
fsr-3161	214	244	<	<	X
fsr-3161	214	245	.0001	.0001	PUNCT
fsr-3161	214	246	*	*	PUNCT
fsr-3161	214	247	*	*	PUNCT
fsr-3161	214	248	*	*	PUNCT
fsr-3161	214	249	peace	peace	NOUN
fsr-3161	214	250	$	$	SYM
fsr-3161	214	251	32.6903	32.6903	NUM
fsr-3161	214	252	15.6816	15.6816	NUM
fsr-3161	214	253	2.085	2.085	NUM
fsr-3161	214	254	.0371	.0371	NOUN
fsr-3161	214	255	*	*	PUNCT
fsr-3161	214	256	*	*	PUNCT
fsr-3161	214	257	other	other	ADJ
fsr-3161	214	258	$	$	SYM
fsr-3161	214	259	11.9140	11.9140	NUM
fsr-3161	214	260	4.24040	4.24040	NUM
fsr-3161	214	261	2.810	2.810	NUM
fsr-3161	214	262	.0050	.0050	NOUN
fsr-3161	214	263	*	*	PUNCT
fsr-3161	214	264	*	*	PUNCT
fsr-3161	214	265	*	*	PUNCT
fsr-3161	214	266	mean	mean	VERB
fsr-3161	214	267	dependent	dependent	ADJ
fsr-3161	214	268	variable	variable	NOUN
fsr-3161	214	269	62001.83	62001.83	NUM
fsr-3161	214	270	sd	sd	ADP
fsr-3161	214	271	dependent	dependent	ADJ
fsr-3161	214	272	variable	variable	ADJ
fsr-3161	214	273	228074.5	228074.5	NUM
fsr-3161	214	274	sum	sum	NOUN
fsr-3161	214	275	squared	square	VERB
fsr-3161	214	276	residuals	residual	NOUN
fsr-3161	214	277	2.93e	2.93e	NUM
fsr-3161	214	278	+	+	CCONJ
fsr-3161	214	279	14	14	NUM
fsr-3161	214	280	se	se	X
fsr-3161	214	281	of	of	ADP
fsr-3161	214	282	regression	regression	NOUN
fsr-3161	214	283	197896.9	197896.9	NUM
fsr-3161	214	284	r2	r2	NOUN
fsr-3161	214	285	0.249327	0.249327	NUM
fsr-3161	214	286	adjusted	adjust	VERB
fsr-3161	214	287	r2	r2	PROPN
fsr-3161	214	288	.247122	.247122	PROPN
fsr-3161	214	289	f(22	f(22	PROPN
fsr-3161	214	290	,	,	PUNCT
fsr-3161	214	291	7489	7489	NUM
fsr-3161	214	292	)	)	PUNCT
fsr-3161	215	1	113.0630	113.0630	NUM
fsr-3161	215	2	p	p	PROPN
fsr-3161	215	3	-	-	PUNCT
fsr-3161	215	4	value(f	value(f	NOUN
fsr-3161	215	5	)	)	PUNCT
fsr-3161	215	6	.000000	.000000	PRON
fsr-3161	215	7	log	log	NOUN
fsr-3161	215	8	-	-	PUNCT
fsr-3161	215	9	likelihood	likelihood	NOUN
fsr-3161	215	10	�	�	PROPN
fsr-3161	215	11	102260.2	102260.2	NUM
fsr-3161	215	12	akaike	akaike	ADJ
fsr-3161	215	13	criterion	criterion	NOUN
fsr-3161	215	14	204566.3	204566.3	NUM
fsr-3161	215	15	note	note	NOUN
fsr-3161	215	16	.	.	PUNCT
fsr-3161	216	1	ols	ol	NOUN
fsr-3161	216	2	=	=	PUNCT
fsr-3161	217	1	ordinary	ordinary	ADJ
fsr-3161	217	2	least	least	ADJ
fsr-3161	217	3	squares	square	NOUN
fsr-3161	217	4	,	,	PUNCT
fsr-3161	217	5	psid	psid	ADJ
fsr-3161	217	6	=	=	NOUN
fsr-3161	217	7	panel	panel	NOUN
fsr-3161	217	8	study	study	NOUN
fsr-3161	217	9	of	of	ADP
fsr-3161	217	10	income	income	NOUN
fsr-3161	217	11	dynamics	dynamic	NOUN
fsr-3161	217	12	.	.	PUNCT
fsr-3161	218	1	philanthropic	philanthropic	NOUN
fsr-3161	218	2	donations	donation	NOUN
fsr-3161	218	3	followed	follow	VERB
fsr-3161	218	4	by	by	ADP
fsr-3161	218	5	“	"	PUNCT
fsr-3161	218	6	$	$	SYM
fsr-3161	218	7	”	"	PUNCT
fsr-3161	218	8	.	.	PUNCT
fsr-3161	219	1	*	*	PUNCT
fsr-3161	219	2	p	p	X
fsr-3161	219	3	<	<	X
fsr-3161	219	4	.10	.10	NUM
fsr-3161	219	5	,	,	PUNCT
fsr-3161	219	6	*	*	PUNCT
fsr-3161	219	7	*	*	PUNCT
fsr-3161	219	8	p	p	X
fsr-3161	219	9	<	<	X
fsr-3161	219	10	.05	.05	NUM
fsr-3161	219	11	,	,	PUNCT
fsr-3161	219	12	*	*	PUNCT
fsr-3161	219	13	*	*	PUNCT
fsr-3161	219	14	*	*	PUNCT
fsr-3161	219	15	p	p	X
fsr-3161	219	16	<	<	X
fsr-3161	219	17	.01	.01	NUM
fsr-3161	219	18	.	.	PUNCT
fsr-3161	219	19	262	262	NUM
fsr-3161	219	20	b.	b.	PROPN
fsr-3161	219	21	t.	t.	PROPN
fsr-3161	219	22	starr	starr	PROPN
fsr-3161	219	23	/	/	SYM
fsr-3161	219	24	financial	financial	ADJ
fsr-3161	219	25	services	service	NOUN
fsr-3161	219	26	review	review	VERB
fsr-3161	219	27	30	30	NUM
fsr-3161	219	28	(	(	PUNCT
fsr-3161	219	29	2022	2022	NUM
fsr-3161	219	30	)	)	PUNCT
fsr-3161	219	31	251–271	251–271	NUM
fsr-3161	219	32	except	except	SCONJ
fsr-3161	219	33	for	for	ADP
fsr-3161	219	34	charitable	charitable	ADJ
fsr-3161	219	35	contributions	contribution	NOUN
fsr-3161	219	36	for	for	ADP
fsr-3161	219	37	youth	youth	NOUN
fsr-3161	219	38	are	be	AUX
fsr-3161	219	39	positively	positively	ADV
fsr-3161	219	40	correlated	correlate	VERB
fsr-3161	219	41	with	with	ADP
fsr-3161	219	42	retirement	retirement	NOUN
fsr-3161	219	43	savings	saving	NOUN
fsr-3161	219	44	accumulation	accumulation	NOUN
fsr-3161	219	45	.	.	PUNCT
fsr-3161	220	1	we	we	PRON
fsr-3161	220	2	also	also	ADV
fsr-3161	220	3	observe	observe	VERB
fsr-3161	220	4	some	some	DET
fsr-3161	220	5	points	point	NOUN
fsr-3161	220	6	of	of	ADP
fsr-3161	220	7	departure	departure	NOUN
fsr-3161	220	8	from	from	ADP
fsr-3161	220	9	the	the	DET
fsr-3161	220	10	table	table	NOUN
fsr-3161	220	11	2	2	NUM
fsr-3161	220	12	results	result	NOUN
fsr-3161	220	13	.	.	PUNCT
fsr-3161	221	1	while	while	SCONJ
fsr-3161	221	2	union	union	NOUN
fsr-3161	221	3	membership	membership	NOUN
fsr-3161	221	4	seems	seem	VERB
fsr-3161	221	5	to	to	PART
fsr-3161	221	6	make	make	VERB
fsr-3161	221	7	it	it	PRON
fsr-3161	221	8	more	more	ADV
fsr-3161	221	9	likely	likely	ADJ
fsr-3161	221	10	that	that	SCONJ
fsr-3161	221	11	the	the	DET
fsr-3161	221	12	member	member	NOUN
fsr-3161	221	13	will	will	AUX
fsr-3161	221	14	save	save	VERB
fsr-3161	221	15	for	for	ADP
fsr-3161	221	16	retirement	retirement	NOUN
fsr-3161	221	17	,	,	PUNCT
fsr-3161	221	18	the	the	DET
fsr-3161	221	19	amount	amount	NOUN
fsr-3161	221	20	of	of	ADP
fsr-3161	221	21	accumulated	accumulate	VERB
fsr-3161	221	22	savings	saving	NOUN
fsr-3161	221	23	is	be	AUX
fsr-3161	221	24	negatively	negatively	ADV
fsr-3161	221	25	correlated	correlate	VERB
fsr-3161	221	26	with	with	ADP
fsr-3161	221	27	union	union	NOUN
fsr-3161	221	28	membership	membership	NOUN
fsr-3161	221	29	.	.	PUNCT
fsr-3161	222	1	we	we	PRON
fsr-3161	222	2	might	might	AUX
fsr-3161	222	3	conjecture	conjecture	VERB
fsr-3161	222	4	that	that	SCONJ
fsr-3161	222	5	union	union	NOUN
fsr-3161	222	6	members	member	NOUN
fsr-3161	222	7	are	be	AUX
fsr-3161	222	8	more	more	ADV
fsr-3161	222	9	likely	likely	ADJ
fsr-3161	222	10	to	to	PART
fsr-3161	222	11	also	also	ADV
fsr-3161	222	12	enjoy	enjoy	VERB
fsr-3161	222	13	some	some	DET
fsr-3161	222	14	type	type	NOUN
fsr-3161	222	15	of	of	ADP
fsr-3161	222	16	defined	define	VERB
fsr-3161	222	17	benefit	benefit	NOUN
fsr-3161	222	18	pension	pension	NOUN
fsr-3161	222	19	plan	plan	NOUN
fsr-3161	222	20	coverage	coverage	NOUN
fsr-3161	222	21	under	under	ADP
fsr-3161	222	22	which	which	PRON
fsr-3161	222	23	an	an	DET
fsr-3161	222	24	actuarial	actuarial	ADJ
fsr-3161	222	25	equivalent	equivalent	NOUN
fsr-3161	222	26	of	of	ADP
fsr-3161	222	27	the	the	DET
fsr-3161	222	28	current	current	ADJ
fsr-3161	222	29	account	account	NOUN
fsr-3161	222	30	balance	balance	NOUN
fsr-3161	222	31	is	be	AUX
fsr-3161	222	32	unreported	unreporte	VERB
fsr-3161	222	33	by	by	ADP
fsr-3161	222	34	the	the	DET
fsr-3161	222	35	survey	survey	NOUN
fsr-3161	222	36	respondent	respondent	NOUN
fsr-3161	222	37	.	.	PUNCT
fsr-3161	223	1	consequently	consequently	ADV
fsr-3161	223	2	,	,	PUNCT
fsr-3161	223	3	the	the	DET
fsr-3161	223	4	results	result	NOUN
fsr-3161	223	5	in	in	ADP
fsr-3161	223	6	table	table	NOUN
fsr-3161	223	7	3	3	NUM
fsr-3161	223	8	might	might	AUX
fsr-3161	223	9	tell	tell	VERB
fsr-3161	223	10	us	we	PRON
fsr-3161	223	11	little	little	ADJ
fsr-3161	223	12	about	about	ADP
fsr-3161	223	13	the	the	DET
fsr-3161	223	14	likely	likely	ADJ
fsr-3161	223	15	retirement	retirement	NOUN
fsr-3161	223	16	well	well	ADV
fsr-3161	223	17	-	-	PUNCT
fsr-3161	223	18	being	being	NOUN
fsr-3161	223	19	of	of	ADP
fsr-3161	223	20	union	union	NOUN
fsr-3161	223	21	versus	versus	ADP
fsr-3161	223	22	non	non	ADJ
fsr-3161	223	23	-	-	ADJ
fsr-3161	223	24	union	union	ADJ
fsr-3161	223	25	members	member	NOUN
fsr-3161	223	26	.	.	PUNCT
fsr-3161	224	1	another	another	DET
fsr-3161	224	2	interesting	interesting	ADJ
fsr-3161	224	3	point	point	NOUN
fsr-3161	224	4	of	of	ADP
fsr-3161	224	5	discontinuity	discontinuity	NOUN
fsr-3161	224	6	is	be	AUX
fsr-3161	224	7	the	the	DET
fsr-3161	224	8	sole	sole	ADJ
fsr-3161	224	9	variable	variable	NOUN
fsr-3161	224	10	giving	give	VERB
fsr-3161	224	11	insight	insight	NOUN
fsr-3161	224	12	into	into	ADP
fsr-3161	224	13	the	the	DET
fsr-3161	224	14	effects	effect	NOUN
fsr-3161	224	15	of	of	ADP
fsr-3161	224	16	one	one	NUM
fsr-3161	224	17	’s	’s	PART
fsr-3161	224	18	family	family	NOUN
fsr-3161	224	19	of	of	ADP
fsr-3161	224	20	origin	origin	NOUN
fsr-3161	224	21	.	.	PUNCT
fsr-3161	225	1	while	while	SCONJ
fsr-3161	225	2	living	live	VERB
fsr-3161	225	3	with	with	ADP
fsr-3161	225	4	both	both	DET
fsr-3161	225	5	parents	parent	NOUN
fsr-3161	225	6	while	while	SCONJ
fsr-3161	225	7	growing	grow	VERB
fsr-3161	225	8	up	up	ADP
fsr-3161	225	9	leads	lead	VERB
fsr-3161	225	10	to	to	ADP
fsr-3161	225	11	a	a	DET
fsr-3161	225	12	greater	great	ADJ
fsr-3161	225	13	likelihood	likelihood	NOUN
fsr-3161	225	14	of	of	ADP
fsr-3161	225	15	saving	save	VERB
fsr-3161	225	16	for	for	ADP
fsr-3161	225	17	retirement	retirement	NOUN
fsr-3161	225	18	,	,	PUNCT
fsr-3161	225	19	it	it	PRON
fsr-3161	225	20	seems	seem	VERB
fsr-3161	225	21	to	to	PART
fsr-3161	225	22	have	have	VERB
fsr-3161	225	23	no	no	DET
fsr-3161	225	24	bearing	bearing	NOUN
fsr-3161	225	25	on	on	ADP
fsr-3161	225	26	the	the	DET
fsr-3161	225	27	actual	actual	ADJ
fsr-3161	225	28	amount	amount	NOUN
fsr-3161	225	29	of	of	ADP
fsr-3161	225	30	retirement	retirement	NOUN
fsr-3161	225	31	savings	saving	NOUN
fsr-3161	225	32	accumulation	accumulation	NOUN
fsr-3161	225	33	.	.	PUNCT
fsr-3161	226	1	just	just	ADV
fsr-3161	226	2	so	so	ADV
fsr-3161	226	3	,	,	PUNCT
fsr-3161	226	4	while	while	SCONJ
fsr-3161	226	5	the	the	DET
fsr-3161	226	6	number	number	NOUN
fsr-3161	226	7	of	of	ADP
fsr-3161	226	8	children	child	NOUN
fsr-3161	226	9	in	in	ADP
fsr-3161	226	10	the	the	DET
fsr-3161	226	11	household	household	NOUN
fsr-3161	226	12	can	can	AUX
fsr-3161	226	13	have	have	VERB
fsr-3161	226	14	an	an	DET
fsr-3161	226	15	adverse	adverse	ADJ
fsr-3161	226	16	effect	effect	NOUN
fsr-3161	226	17	on	on	ADP
fsr-3161	226	18	the	the	DET
fsr-3161	226	19	decision	decision	NOUN
fsr-3161	226	20	of	of	ADP
fsr-3161	226	21	whether	whether	SCONJ
fsr-3161	226	22	to	to	PART
fsr-3161	226	23	save	save	VERB
fsr-3161	226	24	for	for	ADP
fsr-3161	226	25	retirement	retirement	NOUN
fsr-3161	226	26	,	,	PUNCT
fsr-3161	226	27	the	the	DET
fsr-3161	226	28	number	number	NOUN
fsr-3161	226	29	of	of	ADP
fsr-3161	226	30	children	child	NOUN
fsr-3161	226	31	is	be	AUX
fsr-3161	226	32	not	not	PART
fsr-3161	226	33	a	a	DET
fsr-3161	226	34	statistically	statistically	ADV
fsr-3161	226	35	significant	significant	ADJ
fsr-3161	226	36	indicator	indicator	NOUN
fsr-3161	226	37	of	of	ADP
fsr-3161	226	38	how	how	SCONJ
fsr-3161	226	39	much	much	ADJ
fsr-3161	226	40	those	those	DET
fsr-3161	226	41	parents	parent	NOUN
fsr-3161	226	42	who	who	PRON
fsr-3161	226	43	decide	decide	VERB
fsr-3161	226	44	to	to	PART
fsr-3161	226	45	save	save	VERB
fsr-3161	226	46	for	for	ADP
fsr-3161	226	47	retirement	retirement	NOUN
fsr-3161	226	48	actually	actually	ADV
fsr-3161	226	49	accumulate	accumulate	VERB
fsr-3161	226	50	.	.	PUNCT
fsr-3161	227	1	4.4	4.4	NUM
fsr-3161	227	2	.	.	PUNCT
fsr-3161	228	1	intergenerational	intergenerational	ADJ
fsr-3161	228	2	analysis	analysis	NOUN
fsr-3161	228	3	as	as	SCONJ
fsr-3161	228	4	noted	note	VERB
fsr-3161	228	5	earlier	early	ADV
fsr-3161	228	6	,	,	PUNCT
fsr-3161	228	7	the	the	DET
fsr-3161	228	8	inclusion	inclusion	NOUN
fsr-3161	228	9	of	of	ADP
fsr-3161	228	10	parental	parental	ADJ
fsr-3161	228	11	variables	variable	NOUN
fsr-3161	228	12	from	from	ADP
fsr-3161	228	13	the	the	DET
fsr-3161	228	14	1989	1989	NUM
fsr-3161	228	15	wave	wave	NOUN
fsr-3161	228	16	reduces	reduce	VERB
fsr-3161	228	17	our	our	PRON
fsr-3161	228	18	sample	sample	NOUN
fsr-3161	228	19	size	size	NOUN
fsr-3161	228	20	since	since	SCONJ
fsr-3161	228	21	not	not	PART
fsr-3161	228	22	all	all	DET
fsr-3161	228	23	2019	2019	NUM
fsr-3161	228	24	responding	respond	VERB
fsr-3161	228	25	heads	head	NOUN
fsr-3161	228	26	of	of	ADP
fsr-3161	228	27	households	household	NOUN
fsr-3161	228	28	had	have	VERB
fsr-3161	228	29	a	a	DET
fsr-3161	228	30	parental	parental	ADJ
fsr-3161	228	31	head	head	NOUN
fsr-3161	228	32	of	of	ADP
fsr-3161	228	33	household	household	NOUN
fsr-3161	228	34	who	who	PRON
fsr-3161	228	35	responded	respond	VERB
fsr-3161	228	36	to	to	ADP
fsr-3161	228	37	the	the	DET
fsr-3161	228	38	1989	1989	NUM
fsr-3161	228	39	survey	survey	NOUN
fsr-3161	228	40	.	.	PUNCT
fsr-3161	229	1	herein	herein	NOUN
fsr-3161	229	2	lies	lie	VERB
fsr-3161	229	3	the	the	DET
fsr-3161	229	4	weakness	weakness	NOUN
fsr-3161	229	5	of	of	ADP
fsr-3161	229	6	this	this	DET
fsr-3161	229	7	new	new	ADJ
fsr-3161	229	8	step	step	NOUN
fsr-3161	229	9	,	,	PUNCT
fsr-3161	229	10	but	but	CCONJ
fsr-3161	229	11	taking	take	VERB
fsr-3161	229	12	it	it	PRON
fsr-3161	229	13	allows	allow	VERB
fsr-3161	229	14	us	we	PRON
fsr-3161	229	15	to	to	PART
fsr-3161	229	16	specify	specify	VERB
fsr-3161	229	17	the	the	DET
fsr-3161	229	18	model	model	NOUN
fsr-3161	229	19	more	more	ADV
fsr-3161	229	20	fully	fully	ADV
fsr-3161	229	21	and	and	CCONJ
fsr-3161	229	22	analyze	analyze	VERB
fsr-3161	229	23	whether	whether	SCONJ
fsr-3161	229	24	children	child	NOUN
fsr-3161	229	25	seem	seem	VERB
fsr-3161	229	26	to	to	PART
fsr-3161	229	27	learn	learn	VERB
fsr-3161	229	28	anything	anything	PRON
fsr-3161	229	29	affecting	affect	VERB
fsr-3161	229	30	their	their	PRON
fsr-3161	229	31	retirement	retirement	NOUN
fsr-3161	229	32	savings	saving	NOUN
fsr-3161	229	33	behavior	behavior	NOUN
fsr-3161	229	34	from	from	ADP
fsr-3161	229	35	their	their	PRON
fsr-3161	229	36	parents	parent	NOUN
fsr-3161	229	37	.	.	PUNCT
fsr-3161	230	1	following	follow	VERB
fsr-3161	230	2	our	our	PRON
fsr-3161	230	3	earlier	early	ADJ
fsr-3161	230	4	order	order	NOUN
fsr-3161	230	5	of	of	ADP
fsr-3161	230	6	operations	operation	NOUN
fsr-3161	230	7	,	,	PUNCT
fsr-3161	230	8	we	we	PRON
fsr-3161	230	9	first	first	ADV
fsr-3161	230	10	observe	observe	VERB
fsr-3161	230	11	the	the	DET
fsr-3161	230	12	probit	probit	NOUN
fsr-3161	230	13	analysis	analysis	NOUN
fsr-3161	230	14	reported	report	VERB
fsr-3161	230	15	in	in	ADP
fsr-3161	230	16	table	table	NOUN
fsr-3161	230	17	4	4	NUM
fsr-3161	230	18	.	.	PUNCT
fsr-3161	231	1	this	this	DET
fsr-3161	231	2	analysis	analysis	NOUN
fsr-3161	231	3	follows	follow	VERB
fsr-3161	231	4	that	that	SCONJ
fsr-3161	231	5	described	describe	VERB
fsr-3161	231	6	in	in	ADP
fsr-3161	231	7	table	table	NOUN
fsr-3161	231	8	2	2	NUM
fsr-3161	231	9	,	,	PUNCT
fsr-3161	231	10	but	but	CCONJ
fsr-3161	231	11	with	with	ADP
fsr-3161	231	12	the	the	DET
fsr-3161	231	13	family	family	NOUN
fsr-3161	231	14	of	of	ADP
fsr-3161	231	15	origin	origin	NOUN
fsr-3161	231	16	variables	variable	NOUN
fsr-3161	231	17	added	add	VERB
fsr-3161	231	18	.	.	PUNCT
fsr-3161	232	1	much	much	ADJ
fsr-3161	232	2	remains	remain	VERB
fsr-3161	232	3	unchanged	unchanged	ADJ
fsr-3161	232	4	among	among	ADP
fsr-3161	232	5	the	the	DET
fsr-3161	232	6	variables	variable	NOUN
fsr-3161	232	7	earlier	early	ADV
fsr-3161	232	8	analyzed	analyze	VERB
fsr-3161	232	9	,	,	PUNCT
fsr-3161	232	10	but	but	CCONJ
fsr-3161	232	11	contributions	contribution	NOUN
fsr-3161	232	12	to	to	ADP
fsr-3161	232	13	youth	youth	NOUN
fsr-3161	232	14	organizations	organization	NOUN
fsr-3161	232	15	are	be	AUX
fsr-3161	232	16	no	no	ADV
fsr-3161	232	17	longer	long	ADJ
fsr-3161	232	18	of	of	ADP
fsr-3161	232	19	statistical	statistical	ADJ
fsr-3161	232	20	significance	significance	NOUN
fsr-3161	232	21	in	in	ADP
fsr-3161	232	22	predicting	predict	VERB
fsr-3161	232	23	whether	whether	SCONJ
fsr-3161	232	24	a	a	DET
fsr-3161	232	25	respondent	respondent	NOUN
fsr-3161	232	26	saves	save	VERB
fsr-3161	232	27	for	for	ADP
fsr-3161	232	28	retirement	retirement	NOUN
fsr-3161	232	29	.	.	PUNCT
fsr-3161	233	1	family	family	NOUN
fsr-3161	233	2	of	of	ADP
fsr-3161	233	3	origin	origin	NOUN
fsr-3161	233	4	variables	variable	NOUN
fsr-3161	233	5	here	here	ADV
fsr-3161	233	6	typically	typically	ADV
fsr-3161	233	7	present	present	ADJ
fsr-3161	233	8	as	as	ADP
fsr-3161	233	9	statistically	statistically	ADV
fsr-3161	233	10	insignificant	insignificant	ADJ
fsr-3161	233	11	,	,	PUNCT
fsr-3161	233	12	with	with	ADP
fsr-3161	233	13	the	the	DET
fsr-3161	233	14	notable	notable	ADJ
fsr-3161	233	15	and	and	CCONJ
fsr-3161	233	16	algebraically	algebraically	ADV
fsr-3161	233	17	positive	positive	ADJ
fsr-3161	233	18	exception	exception	NOUN
fsr-3161	233	19	of	of	ADP
fsr-3161	233	20	the	the	DET
fsr-3161	233	21	interactive	interactive	ADJ
fsr-3161	233	22	variable	variable	NOUN
fsr-3161	233	23	constructed	construct	VERB
fsr-3161	233	24	as	as	ADP
fsr-3161	233	25	the	the	DET
fsr-3161	233	26	product	product	NOUN
fsr-3161	233	27	of	of	ADP
fsr-3161	233	28	family	family	NOUN
fsr-3161	233	29	income	income	NOUN
fsr-3161	233	30	and	and	CCONJ
fsr-3161	233	31	the	the	DET
fsr-3161	233	32	mother	mother	NOUN
fsr-3161	233	33	’s	’s	PART
fsr-3161	233	34	participation	participation	NOUN
fsr-3161	233	35	in	in	ADP
fsr-3161	233	36	a	a	DET
fsr-3161	233	37	retirement	retirement	NOUN
fsr-3161	233	38	plan	plan	NOUN
fsr-3161	233	39	.	.	PUNCT
fsr-3161	234	1	to	to	PART
fsr-3161	234	2	control	control	VERB
fsr-3161	234	3	for	for	ADP
fsr-3161	234	4	the	the	DET
fsr-3161	234	5	possibility	possibility	NOUN
fsr-3161	234	6	that	that	SCONJ
fsr-3161	234	7	the	the	DET
fsr-3161	234	8	effect	effect	NOUN
fsr-3161	234	9	might	might	AUX
fsr-3161	234	10	be	be	AUX
fsr-3161	234	11	a	a	DET
fsr-3161	234	12	result	result	NOUN
fsr-3161	234	13	simply	simply	ADV
fsr-3161	234	14	of	of	ADP
fsr-3161	234	15	the	the	DET
fsr-3161	234	16	mother	mother	NOUN
fsr-3161	234	17	’s	’s	PART
fsr-3161	234	18	participation	participation	NOUN
fsr-3161	234	19	in	in	ADP
fsr-3161	234	20	the	the	DET
fsr-3161	234	21	workforce	workforce	NOUN
fsr-3161	234	22	,	,	PUNCT
fsr-3161	234	23	a	a	DET
fsr-3161	234	24	typically	typically	ADV
fsr-3161	234	25	necessary	necessary	ADJ
fsr-3161	234	26	condition	condition	NOUN
fsr-3161	234	27	to	to	PART
fsr-3161	234	28	also	also	ADV
fsr-3161	234	29	save	save	VERB
fsr-3161	234	30	for	for	ADP
fsr-3161	234	31	retirement	retirement	NOUN
fsr-3161	234	32	,	,	PUNCT
fsr-3161	234	33	we	we	PRON
fsr-3161	234	34	include	include	VERB
fsr-3161	234	35	a	a	DET
fsr-3161	234	36	binary	binary	ADJ
fsr-3161	234	37	variable	variable	NOUN
fsr-3161	234	38	indicating	indicate	VERB
fsr-3161	234	39	whether	whether	SCONJ
fsr-3161	234	40	the	the	DET
fsr-3161	234	41	mother	mother	NOUN
fsr-3161	234	42	worked	work	VERB
fsr-3161	234	43	outside	outside	ADP
fsr-3161	234	44	the	the	DET
fsr-3161	234	45	home	home	NOUN
fsr-3161	234	46	but	but	CCONJ
fsr-3161	234	47	find	find	VERB
fsr-3161	234	48	that	that	SCONJ
fsr-3161	234	49	variable	variable	NOUN
fsr-3161	234	50	to	to	PART
fsr-3161	234	51	be	be	AUX
fsr-3161	234	52	statistically	statistically	ADV
fsr-3161	234	53	insignificant	insignificant	ADJ
fsr-3161	234	54	.	.	PUNCT
fsr-3161	235	1	if	if	SCONJ
fsr-3161	235	2	family	family	NOUN
fsr-3161	235	3	-	-	PUNCT
fsr-3161	235	4	of	of	ADP
fsr-3161	235	5	-	-	PUNCT
fsr-3161	235	6	origin	origin	NOUN
fsr-3161	235	7	behavior	behavior	NOUN
fsr-3161	235	8	affects	affect	VERB
fsr-3161	235	9	the	the	DET
fsr-3161	235	10	decision	decision	NOUN
fsr-3161	235	11	of	of	ADP
fsr-3161	235	12	whether	whether	SCONJ
fsr-3161	235	13	to	to	PART
fsr-3161	235	14	save	save	VERB
fsr-3161	235	15	for	for	ADP
fsr-3161	235	16	retirement	retirement	NOUN
fsr-3161	235	17	,	,	PUNCT
fsr-3161	235	18	that	that	DET
fsr-3161	235	19	behavior	behavior	NOUN
fsr-3161	235	20	seems	seem	VERB
fsr-3161	235	21	more	more	ADV
fsr-3161	235	22	likely	likely	ADJ
fsr-3161	235	23	to	to	PART
fsr-3161	235	24	be	be	AUX
fsr-3161	235	25	transmitted	transmit	VERB
fsr-3161	235	26	through	through	ADP
fsr-3161	235	27	the	the	DET
fsr-3161	235	28	mother	mother	NOUN
fsr-3161	235	29	.	.	PUNCT
fsr-3161	236	1	what	what	PRON
fsr-3161	236	2	happens	happen	VERB
fsr-3161	236	3	when	when	SCONJ
fsr-3161	236	4	we	we	PRON
fsr-3161	236	5	analyze	analyze	VERB
fsr-3161	236	6	the	the	DET
fsr-3161	236	7	amount	amount	NOUN
fsr-3161	236	8	of	of	ADP
fsr-3161	236	9	retirement	retirement	NOUN
fsr-3161	236	10	balance	balance	NOUN
fsr-3161	236	11	accumulation	accumulation	NOUN
fsr-3161	236	12	with	with	ADP
fsr-3161	236	13	an	an	DET
fsr-3161	236	14	ols	ol	NOUN
fsr-3161	236	15	regression	regression	NOUN
fsr-3161	236	16	that	that	PRON
fsr-3161	236	17	includes	include	VERB
fsr-3161	236	18	a	a	DET
fsr-3161	236	19	family	family	NOUN
fsr-3161	236	20	of	of	ADP
fsr-3161	236	21	origin	origin	NOUN
fsr-3161	236	22	variable	variable	NOUN
fsr-3161	236	23	?	?	PUNCT
fsr-3161	237	1	table	table	NOUN
fsr-3161	237	2	5	5	NUM
fsr-3161	237	3	gives	give	VERB
fsr-3161	237	4	the	the	DET
fsr-3161	237	5	answers	answer	NOUN
fsr-3161	237	6	.	.	PUNCT
fsr-3161	238	1	we	we	PRON
fsr-3161	238	2	should	should	AUX
fsr-3161	238	3	not	not	PART
fsr-3161	238	4	be	be	AUX
fsr-3161	238	5	surprised	surprised	ADJ
fsr-3161	238	6	to	to	PART
fsr-3161	238	7	learn	learn	VERB
fsr-3161	238	8	that	that	DET
fsr-3161	238	9	income	income	NOUN
fsr-3161	238	10	,	,	PUNCT
fsr-3161	238	11	age	age	NOUN
fsr-3161	238	12	,	,	PUNCT
fsr-3161	238	13	education	education	NOUN
fsr-3161	238	14	,	,	PUNCT
fsr-3161	238	15	union	union	NOUN
fsr-3161	238	16	membership	membership	NOUN
fsr-3161	238	17	,	,	PUNCT
fsr-3161	238	18	and	and	CCONJ
fsr-3161	238	19	minority	minority	NOUN
fsr-3161	238	20	status	status	NOUN
fsr-3161	238	21	,	,	PUNCT
fsr-3161	238	22	continue	continue	VERB
fsr-3161	238	23	to	to	PART
fsr-3161	238	24	display	display	VERB
fsr-3161	238	25	the	the	DET
fsr-3161	238	26	same	same	ADJ
fsr-3161	238	27	properties	property	NOUN
fsr-3161	238	28	earlier	early	ADV
fsr-3161	238	29	discussed	discuss	VERB
fsr-3161	238	30	.	.	PUNCT
fsr-3161	239	1	however	however	ADV
fsr-3161	239	2	,	,	PUNCT
fsr-3161	239	3	we	we	PRON
fsr-3161	239	4	note	note	VERB
fsr-3161	239	5	that	that	SCONJ
fsr-3161	239	6	contributions	contribution	NOUN
fsr-3161	239	7	to	to	ADP
fsr-3161	239	8	youth	youth	NOUN
fsr-3161	239	9	organizations	organization	NOUN
fsr-3161	239	10	now	now	ADV
fsr-3161	239	11	display	display	VERB
fsr-3161	239	12	statistical	statistical	ADJ
fsr-3161	239	13	significance	significance	NOUN
fsr-3161	239	14	and	and	CCONJ
fsr-3161	239	15	a	a	DET
fsr-3161	239	16	positive	positive	ADJ
fsr-3161	239	17	algebraic	algebraic	ADJ
fsr-3161	239	18	sign	sign	NOUN
fsr-3161	239	19	,	,	PUNCT
fsr-3161	239	20	joining	join	VERB
fsr-3161	239	21	the	the	DET
fsr-3161	239	22	other	other	ADJ
fsr-3161	239	23	statistically	statistically	ADV
fsr-3161	239	24	significant	significant	ADJ
fsr-3161	239	25	philanthropic	philanthropic	NOUN
fsr-3161	239	26	variables	variable	NOUN
fsr-3161	239	27	as	as	ADP
fsr-3161	239	28	complements	complement	NOUN
fsr-3161	239	29	to	to	ADP
fsr-3161	239	30	retirement	retirement	NOUN
fsr-3161	239	31	savings	saving	NOUN
fsr-3161	239	32	accumulation	accumulation	NOUN
fsr-3161	239	33	.	.	PUNCT
fsr-3161	240	1	and	and	CCONJ
fsr-3161	240	2	while	while	SCONJ
fsr-3161	240	3	a	a	DET
fsr-3161	240	4	mother	mother	NOUN
fsr-3161	240	5	’s	’s	PART
fsr-3161	240	6	retirement	retirement	NOUN
fsr-3161	240	7	savings	saving	NOUN
fsr-3161	240	8	behavior	behavior	NOUN
fsr-3161	240	9	might	might	AUX
fsr-3161	240	10	influence	influence	VERB
fsr-3161	240	11	the	the	DET
fsr-3161	240	12	initial	initial	ADJ
fsr-3161	240	13	retirement	retirement	NOUN
fsr-3161	240	14	savings	saving	NOUN
fsr-3161	240	15	decision	decision	NOUN
fsr-3161	240	16	,	,	PUNCT
fsr-3161	240	17	it	it	PRON
fsr-3161	240	18	seems	seem	VERB
fsr-3161	240	19	to	to	PART
fsr-3161	240	20	have	have	VERB
fsr-3161	240	21	no	no	DET
fsr-3161	240	22	significant	significant	ADJ
fsr-3161	240	23	bearing	bearing	NOUN
fsr-3161	240	24	on	on	ADP
fsr-3161	240	25	b.	b.	PROPN
fsr-3161	240	26	t.	t.	PROPN
fsr-3161	240	27	starr	starr	PROPN
fsr-3161	240	28	/	/	SYM
fsr-3161	240	29	financial	financial	ADJ
fsr-3161	240	30	services	service	NOUN
fsr-3161	240	31	review	review	VERB
fsr-3161	240	32	30	30	NUM
fsr-3161	240	33	(	(	PUNCT
fsr-3161	240	34	2022	2022	NUM
fsr-3161	240	35	)	)	PUNCT
fsr-3161	241	1	251–271	251–271	NUM
fsr-3161	241	2	263	263	NUM
fsr-3161	241	3	the	the	DET
fsr-3161	241	4	ultimate	ultimate	ADJ
fsr-3161	241	5	balances	balance	NOUN
fsr-3161	241	6	obtained	obtain	VERB
fsr-3161	241	7	within	within	ADP
fsr-3161	241	8	retirement	retirement	NOUN
fsr-3161	241	9	accounts	account	NOUN
fsr-3161	241	10	.	.	PUNCT
fsr-3161	242	1	the	the	DET
fsr-3161	242	2	most	most	ADV
fsr-3161	242	3	interesting	interesting	ADJ
fsr-3161	242	4	difference	difference	NOUN
fsr-3161	242	5	we	we	PRON
fsr-3161	242	6	see	see	VERB
fsr-3161	242	7	is	be	AUX
fsr-3161	242	8	the	the	DET
fsr-3161	242	9	effect	effect	NOUN
fsr-3161	242	10	of	of	ADP
fsr-3161	242	11	parental	parental	ADJ
fsr-3161	242	12	health	health	NOUN
fsr-3161	242	13	.	.	PUNCT
fsr-3161	243	1	not	not	PART
fsr-3161	243	2	only	only	ADV
fsr-3161	243	3	is	be	AUX
fsr-3161	243	4	the	the	DET
fsr-3161	243	5	health	health	NOUN
fsr-3161	243	6	status	status	NOUN
fsr-3161	243	7	of	of	ADP
fsr-3161	243	8	the	the	DET
fsr-3161	243	9	parental	parental	ADJ
fsr-3161	243	10	head	head	NOUN
fsr-3161	243	11	negatively	negatively	ADV
fsr-3161	243	12	correlated	correlate	VERB
fsr-3161	243	13	with	with	ADP
fsr-3161	243	14	retirement	retirement	NOUN
fsr-3161	243	15	savings	saving	NOUN
fsr-3161	243	16	accumulation	accumulation	NOUN
fsr-3161	243	17	,	,	PUNCT
fsr-3161	243	18	but	but	CCONJ
fsr-3161	243	19	it	it	PRON
fsr-3161	243	20	also	also	ADV
fsr-3161	243	21	presents	present	VERB
fsr-3161	243	22	as	as	ADV
fsr-3161	243	23	highly	highly	ADV
fsr-3161	243	24	significant	significant	ADJ
fsr-3161	243	25	while	while	SCONJ
fsr-3161	243	26	the	the	DET
fsr-3161	243	27	health	health	NOUN
fsr-3161	243	28	of	of	ADP
fsr-3161	243	29	the	the	DET
fsr-3161	243	30	saver	saver	NOUN
fsr-3161	243	31	himself	himself	PRON
fsr-3161	243	32	or	or	CCONJ
fsr-3161	243	33	herself	herself	PRON
fsr-3161	243	34	is	be	AUX
fsr-3161	243	35	now	now	ADV
fsr-3161	243	36	displaced	displace	VERB
fsr-3161	243	37	from	from	ADP
fsr-3161	243	38	statistical	statistical	ADJ
fsr-3161	243	39	significance	significance	NOUN
fsr-3161	243	40	.	.	PUNCT
fsr-3161	244	1	this	this	DET
fsr-3161	244	2	data	data	NOUN
fsr-3161	244	3	suggests	suggest	VERB
fsr-3161	244	4	that	that	SCONJ
fsr-3161	244	5	retirement	retirement	NOUN
fsr-3161	244	6	savers	saver	NOUN
fsr-3161	244	7	might	might	AUX
fsr-3161	244	8	be	be	AUX
fsr-3161	244	9	looking	look	VERB
fsr-3161	244	10	at	at	ADP
fsr-3161	244	11	parental	parental	ADJ
fsr-3161	244	12	health	health	NOUN
fsr-3161	244	13	over	over	ADP
fsr-3161	244	14	their	their	PRON
fsr-3161	244	15	own	own	ADJ
fsr-3161	244	16	health	health	NOUN
fsr-3161	244	17	as	as	ADP
fsr-3161	244	18	a	a	DET
fsr-3161	244	19	better	well	ADJ
fsr-3161	244	20	predictor	predictor	NOUN
fsr-3161	244	21	of	of	ADP
fsr-3161	244	22	the	the	DET
fsr-3161	244	23	savers	saver	NOUN
fsr-3161	244	24	’	’	PART
fsr-3161	244	25	longevity	longevity	NOUN
fsr-3161	244	26	and	and	CCONJ
fsr-3161	244	27	the	the	DET
fsr-3161	244	28	commensurate	commensurate	ADJ
fsr-3161	244	29	magnitude	magnitude	NOUN
fsr-3161	244	30	of	of	ADP
fsr-3161	244	31	retirement	retirement	NOUN
fsr-3161	244	32	savings	saving	NOUN
fsr-3161	244	33	need	need	NOUN
fsr-3161	244	34	.	.	PUNCT
fsr-3161	245	1	table	table	NOUN
fsr-3161	245	2	4	4	NUM
fsr-3161	245	3	probit	probit	NOUN
fsr-3161	245	4	analysis	analysis	NOUN
fsr-3161	245	5	of	of	ADP
fsr-3161	245	6	2019	2019	NUM
fsr-3161	245	7	psid	psid	ADJ
fsr-3161	245	8	data	datum	NOUN
fsr-3161	245	9	(	(	PUNCT
fsr-3161	245	10	n	n	NOUN
fsr-3161	245	11	=	=	SYM
fsr-3161	245	12	3,598	3,598	NUM
fsr-3161	245	13	)	)	PUNCT
fsr-3161	245	14	inclusive	inclusive	NOUN
fsr-3161	245	15	of	of	ADP
fsr-3161	245	16	family	family	NOUN
fsr-3161	245	17	of	of	ADP
fsr-3161	245	18	origin	origin	NOUN
fsr-3161	245	19	variables	variable	VERB
fsr-3161	245	20	philanthropic	philanthropic	NOUN
fsr-3161	245	21	contributions	contribution	NOUN
fsr-3161	245	22	followed	follow	VERB
fsr-3161	245	23	by	by	ADP
fsr-3161	245	24	“	"	PUNCT
fsr-3161	245	25	$	$	SYM
fsr-3161	245	26	”	"	PUNCT
fsr-3161	245	27	family	family	NOUN
fsr-3161	245	28	of	of	ADP
fsr-3161	245	29	origin	origin	NOUN
fsr-3161	245	30	variables	variable	NOUN
fsr-3161	245	31	in	in	ADP
fsr-3161	245	32	italics	italic	NOUN
fsr-3161	245	33	dependent	dependent	ADJ
fsr-3161	245	34	variable	variable	NOUN
fsr-3161	245	35	:	:	PUNCT
fsr-3161	245	36	saving	save	VERB
fsr-3161	245	37	for	for	ADP
fsr-3161	245	38	retirement	retirement	NOUN
fsr-3161	245	39	coefficient	coefficient	NOUN
fsr-3161	246	1	se	se	PROPN
fsr-3161	246	2	z	z	PROPN
fsr-3161	246	3	p	p	ADJ
fsr-3161	246	4	-	-	PUNCT
fsr-3161	246	5	value	value	NOUN
fsr-3161	246	6	constant	constant	ADJ
fsr-3161	246	7	�	�	PROPN
fsr-3161	246	8	4.73750	4.73750	NUM
fsr-3161	246	9	0.435574	0.435574	NUM
fsr-3161	246	10	�	�	NOUN
fsr-3161	246	11	10.88	10.88	NUM
fsr-3161	246	12	<	<	X
fsr-3161	246	13	.0001	.0001	PROPN
fsr-3161	246	14	*	*	PUNCT
fsr-3161	246	15	*	*	PUNCT
fsr-3161	246	16	*	*	PUNCT
fsr-3161	246	17	income	income	NOUN
fsr-3161	246	18	6.69183e-06	6.69183e-06	NUM
fsr-3161	246	19	5.57630e-07	5.57630e-07	NUM
fsr-3161	246	20	12.00	12.00	NUM
fsr-3161	246	21	<	<	X
fsr-3161	246	22	.0001	.0001	PUNCT
fsr-3161	246	23	*	*	PUNCT
fsr-3161	246	24	*	*	PUNCT
fsr-3161	246	25	*	*	PUNCT
fsr-3161	246	26	age	age	NOUN
fsr-3161	246	27	0.0725972	0.0725972	NUM
fsr-3161	246	28	0.0169832	0.0169832	NUM
fsr-3161	246	29	4.275	4.275	NUM
fsr-3161	246	30	<	<	X
fsr-3161	246	31	.0001	.0001	PUNCT
fsr-3161	246	32	*	*	PUNCT
fsr-3161	246	33	*	*	PUNCT
fsr-3161	246	34	*	*	PUNCT
fsr-3161	246	35	age2	age2	PROPN
fsr-3161	246	36	�	�	PROPN
fsr-3161	246	37	0.000837659	0.000837659	NUM
fsr-3161	246	38	0.000187176	0.000187176	NUM
fsr-3161	246	39	�	�	SYM
fsr-3161	246	40	4.475	4.475	NUM
fsr-3161	246	41	<	<	X
fsr-3161	246	42	.0001	.0001	PUNCT
fsr-3161	246	43	*	*	PUNCT
fsr-3161	246	44	*	*	PUNCT
fsr-3161	246	45	*	*	PUNCT
fsr-3161	246	46	education	education	NOUN
fsr-3161	246	47	0.138385	0.138385	NUM
fsr-3161	246	48	0.0137482	0.0137482	NUM
fsr-3161	246	49	10.07	10.07	NUM
fsr-3161	246	50	<	<	X
fsr-3161	246	51	.0001	.0001	PUNCT
fsr-3161	246	52	*	*	PUNCT
fsr-3161	246	53	*	*	PUNCT
fsr-3161	246	54	*	*	PUNCT
fsr-3161	246	55	male	male	ADJ
fsr-3161	246	56	�	�	PROPN
fsr-3161	246	57	0.0206323	0.0206323	NUM
fsr-3161	246	58	0.0641102	0.0641102	NUM
fsr-3161	246	59	�	�	NOUN
fsr-3161	246	60	0.3218	0.3218	NUM
fsr-3161	246	61	.7476	.7476	ADP
fsr-3161	246	62	married	marry	VERB
fsr-3161	246	63	0.287069	0.287069	NUM
fsr-3161	246	64	0.0713396	0.0713396	NUM
fsr-3161	246	65	4.024	4.024	NUM
fsr-3161	246	66	<	<	X
fsr-3161	246	67	.0001	.0001	PUNCT
fsr-3161	246	68	*	*	PUNCT
fsr-3161	246	69	*	*	PUNCT
fsr-3161	246	70	*	*	PUNCT
fsr-3161	246	71	health	health	NOUN
fsr-3161	246	72	status	status	NOUN
fsr-3161	246	73	�	�	PROPN
fsr-3161	246	74	0.0882530	0.0882530	NUM
fsr-3161	246	75	0.0262294	0.0262294	NUM
fsr-3161	246	76	�	�	PROPN
fsr-3161	246	77	3.365	3.365	NUM
fsr-3161	246	78	.0008	.0008	PROPN
fsr-3161	246	79	*	*	PUNCT
fsr-3161	246	80	*	*	PUNCT
fsr-3161	246	81	*	*	VERB
fsr-3161	246	82	children	child	NOUN
fsr-3161	246	83	�	�	VERB
fsr-3161	246	84	0.0675705	0.0675705	NUM
fsr-3161	246	85	0.0252273	0.0252273	NUM
fsr-3161	246	86	�	�	NOUN
fsr-3161	246	87	2.678	2.678	NUM
fsr-3161	246	88	.0074	.0074	NOUN
fsr-3161	246	89	*	*	PUNCT
fsr-3161	246	90	*	*	PUNCT
fsr-3161	246	91	*	*	VERB
fsr-3161	246	92	minority	minority	NOUN
fsr-3161	246	93	�	�	PROPN
fsr-3161	246	94	0.297096	0.297096	NUM
fsr-3161	246	95	0.0564493	0.0564493	NUM
fsr-3161	246	96	�	�	NOUN
fsr-3161	246	97	5.263	5.263	NUM
fsr-3161	246	98	<	<	X
fsr-3161	246	99	.0001	.0001	PUNCT
fsr-3161	246	100	*	*	PUNCT
fsr-3161	246	101	*	*	PUNCT
fsr-3161	246	102	*	*	PUNCT
fsr-3161	246	103	lived	live	VERB
fsr-3161	246	104	with	with	ADP
fsr-3161	246	105	parents	parent	NOUN
fsr-3161	246	106	0.147792	0.147792	NUM
fsr-3161	246	107	0.0580016	0.0580016	NUM
fsr-3161	246	108	2.548	2.548	NUM
fsr-3161	246	109	.0108	.0108	NOUN
fsr-3161	246	110	*	*	PUNCT
fsr-3161	246	111	*	*	PROPN
fsr-3161	246	112	union	union	NOUN
fsr-3161	246	113	member	member	NOUN
fsr-3161	246	114	0.672718	0.672718	NUM
fsr-3161	246	115	0.0880006	0.0880006	NUM
fsr-3161	246	116	7.644	7.644	NUM
fsr-3161	246	117	<	<	X
fsr-3161	246	118	.0001	.0001	PUNCT
fsr-3161	246	119	*	*	PUNCT
fsr-3161	246	120	*	*	PUNCT
fsr-3161	246	121	*	*	PUNCT
fsr-3161	246	122	health	health	NOUN
fsr-3161	246	123	insurance	insurance	NOUN
fsr-3161	246	124	0.900498	0.900498	NUM
fsr-3161	246	125	0.107364	0.107364	NUM
fsr-3161	246	126	8.387	8.387	NUM
fsr-3161	246	127	<	<	X
fsr-3161	246	128	.0001	.0001	PUNCT
fsr-3161	246	129	*	*	PUNCT
fsr-3161	246	130	*	*	PUNCT
fsr-3161	246	131	*	*	PUNCT
fsr-3161	246	132	religious	religious	ADJ
fsr-3161	246	133	$	$	SYM
fsr-3161	246	134	3.38554e-05	3.38554e-05	NUM
fsr-3161	246	135	1.44712e-05	1.44712e-05	NUM
fsr-3161	246	136	2.340	2.340	NUM
fsr-3161	246	137	.0193	.0193	NOUN
fsr-3161	246	138	*	*	PUNCT
fsr-3161	246	139	*	*	PUNCT
fsr-3161	246	140	combo	combo	VERB
fsr-3161	246	141	$	$	SYM
fsr-3161	246	142	2.46305e-05	2.46305e-05	NUM
fsr-3161	246	143	7.09484e-05	7.09484e-05	NUM
fsr-3161	246	144	0.3472	0.3472	NUM
fsr-3161	246	145	.7285	.7285	PUNCT
fsr-3161	247	1	needy	needy	ADJ
fsr-3161	247	2	$	$	SYM
fsr-3161	247	3	�	�	PROPN
fsr-3161	247	4	5.62748e-06	5.62748e-06	NUM
fsr-3161	247	5	5.15755e-05	5.15755e-05	NUM
fsr-3161	247	6	�	�	PROPN
fsr-3161	247	7	0.1091	0.1091	NUM
fsr-3161	247	8	.9131	.9131	PUNCT
fsr-3161	248	1	health	health	PROPN
fsr-3161	248	2	$	$	SYM
fsr-3161	248	3	0.000536065	0.000536065	NUM
fsr-3161	248	4	0.000289928	0.000289928	NUM
fsr-3161	248	5	1.849	1.849	NUM
fsr-3161	248	6	.0645	.0645	PROPN
fsr-3161	248	7	*	*	PUNCT
fsr-3161	248	8	education	education	PROPN
fsr-3161	248	9	$	$	SYM
fsr-3161	248	10	�	�	PROPN
fsr-3161	248	11	0.000109256	0.000109256	NUM
fsr-3161	248	12	0.000156249	0.000156249	NUM
fsr-3161	248	13	�	�	NOUN
fsr-3161	248	14	0.6992	0.6992	NUM
fsr-3161	248	15	.4844	.4844	NUM
fsr-3161	248	16	youth	youth	NOUN
fsr-3161	248	17	$	$	SYM
fsr-3161	248	18	�	�	NOUN
fsr-3161	248	19	0.000182149	0.000182149	NUM
fsr-3161	248	20	0.000187711	0.000187711	NUM
fsr-3161	248	21	�	�	NOUN
fsr-3161	248	22	0.9704	0.9704	NUM
fsr-3161	248	23	.3319	.3319	PUNCT
fsr-3161	249	1	cultural	cultural	ADJ
fsr-3161	249	2	$	$	SYM
fsr-3161	249	3	0.000385624	0.000385624	NUM
fsr-3161	249	4	0.000285471	0.000285471	NUM
fsr-3161	249	5	1.351	1.351	NUM
fsr-3161	249	6	.1767	.1767	NOUN
fsr-3161	249	7	community	community	NOUN
fsr-3161	249	8	$	$	SYM
fsr-3161	249	9	0.00154095	0.00154095	NUM
fsr-3161	249	10	0.000992411	0.000992411	NUM
fsr-3161	249	11	1.553	1.553	NUM
fsr-3161	249	12	.1205	.1205	PUNCT
fsr-3161	249	13	environment	environment	NOUN
fsr-3161	249	14	$	$	SYM
fsr-3161	249	15	0.00184249	0.00184249	NUM
fsr-3161	249	16	0.000837875	0.000837875	NUM
fsr-3161	249	17	2.199	2.199	NUM
fsr-3161	249	18	.0279	.0279	NOUN
fsr-3161	249	19	*	*	NOUN
fsr-3161	249	20	*	*	PUNCT
fsr-3161	249	21	peace	peace	NOUN
fsr-3161	249	22	$	$	SYM
fsr-3161	249	23	0.000478458	0.000478458	NUM
fsr-3161	249	24	0.000522544	0.000522544	NUM
fsr-3161	249	25	0.9156	0.9156	NUM
fsr-3161	249	26	.3599	.3599	PUNCT
fsr-3161	250	1	other	other	ADJ
fsr-3161	250	2	$	$	SYM
fsr-3161	250	3	8.44776e-05	8.44776e-05	NUM
fsr-3161	250	4	9.69104e-05	9.69104e-05	NUM
fsr-3161	250	5	0.8717	0.8717	NUM
fsr-3161	250	6	.3834	.3834	NUM
fsr-3161	250	7	head	head	NOUN
fsr-3161	250	8	interactive	interactive	ADJ
fsr-3161	250	9	�	�	PROPN
fsr-3161	250	10	6.77236e-07	6.77236e-07	NUM
fsr-3161	250	11	1.21394e-06	1.21394e-06	NUM
fsr-3161	250	12	�	�	NOUN
fsr-3161	250	13	0.5579	0.5579	NUM
fsr-3161	250	14	.5769	.5769	PROPN
fsr-3161	250	15	spouse	spouse	NOUN
fsr-3161	250	16	interactive	interactive	VERB
fsr-3161	250	17	2.43506e-06	2.43506e-06	NUM
fsr-3161	250	18	1.21300e-06	1.21300e-06	NUM
fsr-3161	250	19	2.007	2.007	NUM
fsr-3161	250	20	.0447	.0447	NOUN
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fsr-3161	250	22	*	*	PUNCT
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fsr-3161	250	24	head	head	NOUN
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fsr-3161	250	26	0.0251455	0.0251455	NUM
fsr-3161	250	27	0.2705	0.2705	NUM
fsr-3161	250	28	.7868	.7868	ADJ
fsr-3161	250	29	parent	parent	NOUN
fsr-3161	250	30	income	income	NOUN
fsr-3161	250	31	1.20853e-06	1.20853e-06	NUM
fsr-3161	250	32	1.33266e-06	1.33266e-06	NUM
fsr-3161	250	33	0.9069	0.9069	NUM
fsr-3161	250	34	.3645	.3645	NOUN
fsr-3161	250	35	parent	parent	NOUN
fsr-3161	250	36	education	education	NOUN
fsr-3161	250	37	0.0151172	0.0151172	NUM
fsr-3161	250	38	0.0164922	0.0164922	NUM
fsr-3161	250	39	0.9166	0.9166	NUM
fsr-3161	250	40	.3593	.3593	PROPN
fsr-3161	250	41	spouse	spouse	NOUN
fsr-3161	250	42	work	work	NOUN
fsr-3161	250	43	�	�	NOUN
fsr-3161	250	44	0.0300312	0.0300312	NUM
fsr-3161	250	45	0.0608267	0.0608267	NUM
fsr-3161	250	46	�	�	NOUN
fsr-3161	250	47	0.4937	0.4937	NUM
fsr-3161	250	48	.6215	.6215	PUNCT
fsr-3161	251	1	mean	mean	VERB
fsr-3161	251	2	dependent	dependent	ADJ
fsr-3161	251	3	variable	variable	NOUN
fsr-3161	251	4	0.469983	0.469983	NUM
fsr-3161	251	5	sd	sd	ADP
fsr-3161	251	6	dependent	dependent	ADJ
fsr-3161	251	7	variable	variable	ADJ
fsr-3161	251	8	.499168	.499168	PROPN
fsr-3161	251	9	mcfadden	mcfadden	PROPN
fsr-3161	251	10	r2	r2	PROPN
fsr-3161	251	11	0.310560	0.310560	NUM
fsr-3161	251	12	adjusted	adjust	VERB
fsr-3161	251	13	r2	r2	PROPN
fsr-3161	251	14	.298500	.298500	PROPN
fsr-3161	251	15	log	log	NOUN
fsr-3161	251	16	-	-	PUNCT
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fsr-3161	251	18	�	�	NOUN
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fsr-3161	251	20	akaike	akaike	ADJ
fsr-3161	251	21	criterion	criterion	NOUN
fsr-3161	251	22	3489.903	3489.903	NUM
fsr-3161	251	23	note	note	NOUN
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fsr-3161	252	1	ols	ol	NOUN
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fsr-3161	253	1	ordinary	ordinary	ADJ
fsr-3161	253	2	least	least	ADJ
fsr-3161	253	3	squares	square	NOUN
fsr-3161	253	4	,	,	PUNCT
fsr-3161	253	5	psid	psid	ADJ
fsr-3161	253	6	=	=	NOUN
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fsr-3161	253	8	study	study	NOUN
fsr-3161	253	9	of	of	ADP
fsr-3161	253	10	income	income	NOUN
fsr-3161	253	11	dynamics	dynamic	NOUN
fsr-3161	253	12	.	.	PUNCT
fsr-3161	254	1	number	number	NOUN
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fsr-3161	254	3	cases	case	NOUN
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fsr-3161	254	7	”	"	PUNCT
fsr-3161	254	8	=	=	SYM
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fsr-3161	254	10	(	(	PUNCT
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fsr-3161	255	7	”	"	PUNCT
fsr-3161	255	8	.	.	PUNCT
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fsr-3161	256	3	<	<	X
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fsr-3161	256	7	*	*	PUNCT
fsr-3161	256	8	p	p	X
fsr-3161	256	9	<	<	X
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fsr-3161	256	11	,	,	PUNCT
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fsr-3161	256	13	*	*	PUNCT
fsr-3161	256	14	*	*	PUNCT
fsr-3161	256	15	p	p	X
fsr-3161	256	16	<	<	X
fsr-3161	256	17	.01	.01	NUM
fsr-3161	256	18	.	.	PUNCT
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fsr-3161	256	21	t.	t.	PROPN
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fsr-3161	256	24	financial	financial	ADJ
fsr-3161	256	25	services	service	NOUN
fsr-3161	256	26	review	review	VERB
fsr-3161	256	27	30	30	NUM
fsr-3161	256	28	(	(	PUNCT
fsr-3161	256	29	2022	2022	NUM
fsr-3161	256	30	)	)	PUNCT
fsr-3161	257	1	251–271	251–271	NUM
fsr-3161	257	2	5	5	NUM
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fsr-3161	257	4	practical	practical	ADJ
fsr-3161	257	5	implications	implication	NOUN
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fsr-3161	257	7	financial	financial	ADJ
fsr-3161	257	8	planners	planner	NOUN
fsr-3161	257	9	as	as	ADP
fsr-3161	257	10	the	the	DET
fsr-3161	257	11	role	role	NOUN
fsr-3161	257	12	of	of	ADP
fsr-3161	257	13	financial	financial	ADJ
fsr-3161	257	14	advisors	advisor	NOUN
fsr-3161	257	15	evolves	evolve	VERB
fsr-3161	257	16	and	and	CCONJ
fsr-3161	257	17	expands	expand	VERB
fsr-3161	257	18	(	(	PUNCT
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fsr-3161	257	20	et	et	PROPN
fsr-3161	257	21	al	al	PROPN
fsr-3161	257	22	.	.	PROPN
fsr-3161	257	23	,	,	PUNCT
fsr-3161	257	24	2022	2022	NUM
fsr-3161	257	25	)	)	PUNCT
fsr-3161	257	26	,	,	PUNCT
fsr-3161	257	27	client	client	NOUN
fsr-3161	257	28	conversations	conversation	NOUN
fsr-3161	257	29	should	should	AUX
fsr-3161	257	30	be	be	AUX
fsr-3161	257	31	handled	handle	VERB
fsr-3161	257	32	with	with	ADP
fsr-3161	257	33	concomitantly	concomitantly	ADV
fsr-3161	257	34	evolving	evolve	VERB
fsr-3161	257	35	prudence	prudence	NOUN
fsr-3161	257	36	and	and	CCONJ
fsr-3161	257	37	tact	tact	NOUN
fsr-3161	257	38	.	.	PUNCT
fsr-3161	258	1	health	health	NOUN
fsr-3161	258	2	,	,	PUNCT
fsr-3161	258	3	whether	whether	SCONJ
fsr-3161	258	4	parental	parental	ADJ
fsr-3161	258	5	or	or	CCONJ
fsr-3161	258	6	personal	personal	ADJ
fsr-3161	258	7	,	,	PUNCT
fsr-3161	258	8	apparently	apparently	ADV
fsr-3161	258	9	matters	matter	VERB
fsr-3161	258	10	to	to	ADP
fsr-3161	258	11	many	many	ADJ
fsr-3161	258	12	savers	saver	NOUN
fsr-3161	258	13	and	and	CCONJ
fsr-3161	258	14	the	the	DET
fsr-3161	258	15	perception	perception	NOUN
fsr-3161	258	16	of	of	ADP
fsr-3161	258	17	bad	bad	ADJ
fsr-3161	258	18	health	health	NOUN
fsr-3161	258	19	can	can	AUX
fsr-3161	258	20	present	present	VERB
fsr-3161	258	21	as	as	ADP
fsr-3161	258	22	a	a	DET
fsr-3161	258	23	barrier	barrier	NOUN
fsr-3161	258	24	to	to	ADP
fsr-3161	258	25	saving	save	VERB
fsr-3161	258	26	for	for	ADP
fsr-3161	258	27	retirement	retirement	NOUN
fsr-3161	258	28	.	.	PUNCT
fsr-3161	259	1	the	the	DET
fsr-3161	259	2	skilled	skilled	ADJ
fsr-3161	259	3	advisor	advisor	NOUN
fsr-3161	259	4	,	,	PUNCT
fsr-3161	259	5	rather	rather	ADV
fsr-3161	259	6	than	than	ADP
fsr-3161	259	7	relying	rely	VERB
fsr-3161	259	8	simply	simply	ADV
fsr-3161	259	9	on	on	ADP
fsr-3161	259	10	averages	average	NOUN
fsr-3161	259	11	or	or	CCONJ
fsr-3161	259	12	mortality	mortality	NOUN
fsr-3161	259	13	tables	table	NOUN
fsr-3161	259	14	,	,	PUNCT
fsr-3161	259	15	might	might	AUX
fsr-3161	259	16	ask	ask	VERB
fsr-3161	259	17	gentle	gentle	ADJ
fsr-3161	259	18	questions	question	NOUN
fsr-3161	259	19	about	about	ADP
fsr-3161	259	20	whether	whether	SCONJ
fsr-3161	259	21	those	those	DET
fsr-3161	259	22	table	table	NOUN
fsr-3161	259	23	5	5	NUM
fsr-3161	259	24	ols	ol	NOUN
fsr-3161	259	25	analysis	analysis	NOUN
fsr-3161	259	26	of	of	ADP
fsr-3161	259	27	2019	2019	NUM
fsr-3161	259	28	psid	psid	ADJ
fsr-3161	259	29	data	datum	NOUN
fsr-3161	259	30	(	(	PUNCT
fsr-3161	259	31	n	n	NOUN
fsr-3161	259	32	=	=	SYM
fsr-3161	259	33	3,411	3,411	NUM
fsr-3161	259	34	)	)	PUNCT
fsr-3161	259	35	inclusive	inclusive	NOUN
fsr-3161	259	36	of	of	ADP
fsr-3161	259	37	family	family	NOUN
fsr-3161	259	38	of	of	ADP
fsr-3161	259	39	origin	origin	NOUN
fsr-3161	259	40	variables	variable	VERB
fsr-3161	259	41	philanthropic	philanthropic	NOUN
fsr-3161	259	42	contributions	contribution	NOUN
fsr-3161	259	43	followed	follow	VERB
fsr-3161	259	44	by	by	ADP
fsr-3161	259	45	“	"	PUNCT
fsr-3161	259	46	$	$	SYM
fsr-3161	259	47	”	"	PUNCT
fsr-3161	259	48	family	family	NOUN
fsr-3161	259	49	of	of	ADP
fsr-3161	259	50	origin	origin	NOUN
fsr-3161	259	51	variables	variable	NOUN
fsr-3161	259	52	in	in	ADP
fsr-3161	259	53	italics	italic	NOUN
fsr-3161	259	54	dependent	dependent	ADJ
fsr-3161	259	55	variable	variable	NOUN
fsr-3161	259	56	:	:	PUNCT
fsr-3161	259	57	retirement	retirement	NOUN
fsr-3161	259	58	savings	saving	NOUN
fsr-3161	259	59	accumulated	accumulate	VERB
fsr-3161	259	60	coefficient	coefficient	NOUN
fsr-3161	259	61	se	se	PROPN
fsr-3161	259	62	t	t	PROPN
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fsr-3161	259	64	ratio	ratio	NOUN
fsr-3161	259	65	p	p	NOUN
fsr-3161	259	66	-	-	PUNCT
fsr-3161	259	67	value	value	NOUN
fsr-3161	259	68	constant	constant	ADJ
fsr-3161	259	69	�	�	PROPN
fsr-3161	259	70	136051	136051	NUM
fsr-3161	259	71	33972.7	33972.7	NUM
fsr-3161	259	72	�	�	PROPN
fsr-3161	259	73	4.005	4.005	NUM
fsr-3161	259	74	<	<	X
fsr-3161	259	75	.0001	.0001	PUNCT
fsr-3161	259	76	*	*	PUNCT
fsr-3161	259	77	*	*	PUNCT
fsr-3161	259	78	*	*	PUNCT
fsr-3161	259	79	income	income	NOUN
fsr-3161	259	80	1.06365	1.06365	NUM
fsr-3161	259	81	0.0566082	0.0566082	NUM
fsr-3161	259	82	18.79	18.79	NUM
fsr-3161	259	83	<	<	X
fsr-3161	259	84	.0001	.0001	PROPN
fsr-3161	259	85	*	*	PUNCT
fsr-3161	259	86	*	*	PUNCT
fsr-3161	259	87	*	*	PROPN
fsr-3161	259	88	age2	age2	PROPN
fsr-3161	259	89	42.9840	42.9840	NUM
fsr-3161	259	90	3.80438	3.80438	NUM
fsr-3161	259	91	11.30	11.30	NUM
fsr-3161	259	92	<	<	X
fsr-3161	259	93	.0001	.0001	PUNCT
fsr-3161	259	94	*	*	PUNCT
fsr-3161	259	95	*	*	PUNCT
fsr-3161	259	96	*	*	PUNCT
fsr-3161	259	97	education	education	NOUN
fsr-3161	259	98	5708.48	5708.48	NUM
fsr-3161	259	99	1983.25	1983.25	NUM
fsr-3161	259	100	2.878	2.878	NUM
fsr-3161	259	101	.0040	.0040	NOUN
fsr-3161	259	102	*	*	PUNCT
fsr-3161	259	103	*	*	PUNCT
fsr-3161	259	104	*	*	PUNCT
fsr-3161	259	105	male	male	NOUN
fsr-3161	259	106	6982.38	6982.38	NUM
fsr-3161	259	107	9541.63	9541.63	NUM
fsr-3161	259	108	0.7318	0.7318	NUM
fsr-3161	259	109	.4644	.4644	PUNCT
fsr-3161	259	110	married	marry	VERB
fsr-3161	259	111	892.960	892.960	NUM
fsr-3161	259	112	10620.2	10620.2	NUM
fsr-3161	259	113	0.08408	0.08408	NUM
fsr-3161	259	114	.9330	.9330	PROPN
fsr-3161	259	115	health	health	NOUN
fsr-3161	259	116	status	status	NOUN
fsr-3161	259	117	�	�	PROPN
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fsr-3161	259	119	3834.08	3834.08	NUM
fsr-3161	259	120	�	�	PROPN
fsr-3161	259	121	1.463	1.463	NUM
fsr-3161	259	122	.1434	.1434	NOUN
fsr-3161	259	123	children	child	NOUN
fsr-3161	259	124	�	�	PROPN
fsr-3161	259	125	1362.58	1362.58	NUM
fsr-3161	259	126	3640.49	3640.49	NUM
fsr-3161	259	127	�	�	NOUN
fsr-3161	259	128	0.3743	0.3743	NUM
fsr-3161	259	129	.7082	.7082	PROPN
fsr-3161	259	130	minority	minority	NOUN
fsr-3161	259	131	�	�	PROPN
fsr-3161	259	132	20873.7	20873.7	PROPN
fsr-3161	259	133	8502.90	8502.90	NUM
fsr-3161	259	134	�	�	NOUN
fsr-3161	259	135	2.455	2.455	NUM
fsr-3161	259	136	.0141	.0141	NOUN
fsr-3161	259	137	*	*	PUNCT
fsr-3161	259	138	*	*	PUNCT
fsr-3161	259	139	lived	live	VERB
fsr-3161	259	140	with	with	ADP
fsr-3161	259	141	parents	parent	NOUN
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fsr-3161	259	144	8468.30	8468.30	NUM
fsr-3161	259	145	�	�	PROPN
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fsr-3161	259	147	.8645	.8645	PROPN
fsr-3161	259	148	union	union	PROPN
fsr-3161	259	149	member	member	NOUN
fsr-3161	259	150	�	�	PROPN
fsr-3161	259	151	28366.0	28366.0	NUM
fsr-3161	259	152	13315.1	13315.1	NUM
fsr-3161	259	153	�	�	NOUN
fsr-3161	259	154	2.130	2.130	NUM
fsr-3161	259	155	.0332	.0332	NOUN
fsr-3161	259	156	*	*	PUNCT
fsr-3161	259	157	*	*	PUNCT
fsr-3161	259	158	health	health	NOUN
fsr-3161	259	159	insurance	insurance	NOUN
fsr-3161	259	160	�	�	PROPN
fsr-3161	259	161	12515.5	12515.5	NUM
fsr-3161	259	162	12629.5	12629.5	NUM
fsr-3161	259	163	�	�	NOUN
fsr-3161	259	164	0.9910	0.9910	NUM
fsr-3161	259	165	.3218	.3218	NOUN
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fsr-3161	259	171	.6608	.6608	NOUN
fsr-3161	259	172	combo	combo	VERB
fsr-3161	259	173	$	$	SYM
fsr-3161	259	174	�	�	PROPN
fsr-3161	259	175	5.24681	5.24681	NUM
fsr-3161	259	176	8.08576	8.08576	NUM
fsr-3161	259	177	�	�	NOUN
fsr-3161	259	178	0.6489	0.6489	NUM
fsr-3161	259	179	.5165	.5165	NOUN
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fsr-3161	259	181	$	$	SYM
fsr-3161	259	182	29.1985	29.1985	NUM
fsr-3161	259	183	6.99521	6.99521	NUM
fsr-3161	259	184	4.174	4.174	NUM
fsr-3161	259	185	<	<	X
fsr-3161	259	186	.0001	.0001	PROPN
fsr-3161	259	187	*	*	PUNCT
fsr-3161	259	188	*	*	PUNCT
fsr-3161	259	189	*	*	PUNCT
fsr-3161	259	190	health	health	NOUN
fsr-3161	259	191	$	$	SYM
fsr-3161	259	192	77.2639	77.2639	NUM
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fsr-3161	259	197	*	*	PUNCT
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fsr-3161	259	200	$	$	SYM
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fsr-3161	259	204	.1145	.1145	PROPN
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fsr-3161	259	208	25.4434	25.4434	NUM
fsr-3161	259	209	3.541	3.541	NUM
fsr-3161	259	210	.0004	.0004	PROPN
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fsr-3161	259	212	*	*	PUNCT
fsr-3161	259	213	*	*	PUNCT
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fsr-3161	259	215	$	$	SYM
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fsr-3161	259	217	6.82375	6.82375	NUM
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fsr-3161	259	219	.4092	.4092	PUNCT
fsr-3161	259	220	community	community	NOUN
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fsr-3161	259	227	*	*	PUNCT
fsr-3161	259	228	*	*	PROPN
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fsr-3161	259	235	.0001	.0001	PUNCT
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fsr-3161	259	237	*	*	PUNCT
fsr-3161	259	238	*	*	PUNCT
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fsr-3161	259	240	$	$	SYM
fsr-3161	259	241	�	�	PROPN
fsr-3161	259	242	18.7385	18.7385	NUM
fsr-3161	259	243	36.7719	36.7719	NUM
fsr-3161	259	244	�	�	NOUN
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fsr-3161	259	250	10.6156	10.6156	NUM
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fsr-3161	259	252	.0003	.0003	NOUN
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fsr-3161	259	254	*	*	PUNCT
fsr-3161	259	255	*	*	PUNCT
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fsr-3161	259	257	interactive	interactive	ADJ
fsr-3161	259	258	�	�	NOUN
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fsr-3161	259	260	0.161830	0.161830	NUM
fsr-3161	259	261	�	�	PROPN
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fsr-3161	259	263	.6643	.6643	PROPN
fsr-3161	259	264	spouse	spouse	PROPN
fsr-3161	259	265	interactive	interactive	ADJ
fsr-3161	259	266	�	�	PROPN
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fsr-3161	259	268	0.156531	0.156531	NUM
fsr-3161	259	269	�	�	NOUN
fsr-3161	259	270	0.8413	0.8413	NUM
fsr-3161	259	271	.4002	.4002	NOUN
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fsr-3161	259	274	head	head	NOUN
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fsr-3161	259	278	�	�	PROPN
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fsr-3161	259	293	2416.05	2416.05	NUM
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fsr-3161	259	308	+	+	CCONJ
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fsr-3161	262	5	psid	psid	ADJ
fsr-3161	262	6	=	=	NOUN
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fsr-3161	263	5	“	"	PUNCT
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fsr-3161	263	7	”	"	PUNCT
fsr-3161	263	8	.	.	PUNCT
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fsr-3161	264	7	*	*	PUNCT
fsr-3161	264	8	p	p	X
fsr-3161	264	9	<	<	X
fsr-3161	264	10	.05	.05	NUM
fsr-3161	264	11	,	,	PUNCT
fsr-3161	264	12	*	*	PUNCT
fsr-3161	264	13	*	*	PUNCT
fsr-3161	264	14	*	*	PUNCT
fsr-3161	264	15	p	p	X
fsr-3161	264	16	<	<	X
fsr-3161	264	17	.01	.01	NUM
fsr-3161	264	18	.	.	PUNCT
fsr-3161	264	19	b.	b.	PROPN
fsr-3161	264	20	t.	t.	PROPN
fsr-3161	264	21	starr	starr	PROPN
fsr-3161	264	22	/	/	SYM
fsr-3161	264	23	financial	financial	ADJ
fsr-3161	264	24	services	service	NOUN
fsr-3161	264	25	review	review	VERB
fsr-3161	264	26	30	30	NUM
fsr-3161	264	27	(	(	PUNCT
fsr-3161	264	28	2022	2022	NUM
fsr-3161	264	29	)	)	PUNCT
fsr-3161	264	30	251–271	251–271	NUM
fsr-3161	264	31	265	265	NUM
fsr-3161	264	32	national	national	ADJ
fsr-3161	264	33	averages	average	NOUN
fsr-3161	264	34	seem	seem	VERB
fsr-3161	264	35	right	right	ADJ
fsr-3161	264	36	for	for	ADP
fsr-3161	264	37	the	the	DET
fsr-3161	264	38	client	client	NOUN
fsr-3161	264	39	and	and	CCONJ
fsr-3161	264	40	,	,	PUNCT
fsr-3161	264	41	if	if	SCONJ
fsr-3161	264	42	not	not	PART
fsr-3161	264	43	,	,	PUNCT
fsr-3161	264	44	why	why	SCONJ
fsr-3161	264	45	not	not	PART
fsr-3161	264	46	.	.	PUNCT
fsr-3161	265	1	the	the	DET
fsr-3161	265	2	answer	answer	NOUN
fsr-3161	265	3	to	to	ADP
fsr-3161	265	4	such	such	ADJ
fsr-3161	265	5	questions	question	NOUN
fsr-3161	265	6	might	might	AUX
fsr-3161	265	7	minimize	minimize	VERB
fsr-3161	265	8	the	the	DET
fsr-3161	265	9	need	need	NOUN
fsr-3161	265	10	to	to	PART
fsr-3161	265	11	save	save	VERB
fsr-3161	265	12	for	for	ADP
fsr-3161	265	13	retirement	retirement	NOUN
fsr-3161	265	14	.	.	PUNCT
fsr-3161	266	1	conversely	conversely	ADV
fsr-3161	266	2	,	,	PUNCT
fsr-3161	266	3	the	the	DET
fsr-3161	266	4	planner	planner	NOUN
fsr-3161	266	5	might	might	AUX
fsr-3161	266	6	appropriately	appropriately	ADV
fsr-3161	266	7	nudge	nudge	VERB
fsr-3161	266	8	into	into	ADP
fsr-3161	266	9	salubrious	salubrious	ADJ
fsr-3161	266	10	financial	financial	ADJ
fsr-3161	266	11	action	action	NOUN
fsr-3161	266	12	a	a	DET
fsr-3161	266	13	non	non	ADJ
fsr-3161	266	14	-	-	ADJ
fsr-3161	266	15	saver	saver	ADJ
fsr-3161	266	16	who	who	PRON
fsr-3161	266	17	otherwise	otherwise	ADV
fsr-3161	266	18	(	(	PUNCT
fsr-3161	266	19	perhaps	perhaps	ADV
fsr-3161	266	20	falsely	falsely	ADV
fsr-3161	266	21	)	)	PUNCT
fsr-3161	266	22	assumes	assume	VERB
fsr-3161	266	23	a	a	DET
fsr-3161	266	24	premature	premature	ADJ
fsr-3161	266	25	death	death	NOUN
fsr-3161	266	26	will	will	AUX
fsr-3161	266	27	fully	fully	ADV
fsr-3161	266	28	obviate	obviate	VERB
fsr-3161	266	29	the	the	DET
fsr-3161	266	30	need	need	NOUN
fsr-3161	266	31	for	for	ADP
fsr-3161	266	32	retirement	retirement	NOUN
fsr-3161	266	33	savings	saving	NOUN
fsr-3161	266	34	.	.	PUNCT
fsr-3161	267	1	without	without	ADP
fsr-3161	267	2	a	a	DET
fsr-3161	267	3	helpful	helpful	ADJ
fsr-3161	267	4	nudge	nudge	NOUN
fsr-3161	267	5	,	,	PUNCT
fsr-3161	267	6	such	such	DET
fsr-3161	267	7	a	a	DET
fsr-3161	267	8	client	client	NOUN
fsr-3161	267	9	might	might	AUX
fsr-3161	267	10	experience	experience	VERB
fsr-3161	267	11	the	the	DET
fsr-3161	267	12	ironic	ironic	ADJ
fsr-3161	267	13	joy	joy	NOUN
fsr-3161	267	14	of	of	ADP
fsr-3161	267	15	serendipitous	serendipitous	ADJ
fsr-3161	267	16	life	life	NOUN
fsr-3161	267	17	accompanied	accompany	VERB
fsr-3161	267	18	by	by	ADP
fsr-3161	267	19	the	the	DET
fsr-3161	267	20	regret	regret	NOUN
fsr-3161	267	21	of	of	ADP
fsr-3161	267	22	having	having	AUX
fsr-3161	267	23	underfinanced	underfinance	VERB
fsr-3161	267	24	it	it	PRON
fsr-3161	267	25	.	.	PUNCT
fsr-3161	268	1	family	family	NOUN
fsr-3161	268	2	can	can	AUX
fsr-3161	268	3	matter	matter	VERB
fsr-3161	268	4	as	as	ADV
fsr-3161	268	5	well	well	ADV
fsr-3161	268	6	.	.	PUNCT
fsr-3161	269	1	the	the	DET
fsr-3161	269	2	skilled	skilled	ADJ
fsr-3161	269	3	planner	planner	NOUN
fsr-3161	269	4	might	might	AUX
fsr-3161	269	5	consider	consider	VERB
fsr-3161	269	6	asking	ask	VERB
fsr-3161	269	7	what	what	PRON
fsr-3161	269	8	their	their	PRON
fsr-3161	269	9	clients	client	NOUN
fsr-3161	269	10	learned	learn	VERB
fsr-3161	269	11	about	about	ADP
fsr-3161	269	12	saving	save	VERB
fsr-3161	269	13	from	from	ADP
fsr-3161	269	14	their	their	PRON
fsr-3161	269	15	parents	parent	NOUN
fsr-3161	269	16	,	,	PUNCT
fsr-3161	269	17	leveraging	leverage	VERB
fsr-3161	269	18	all	all	DET
fsr-3161	269	19	helpful	helpful	ADJ
fsr-3161	269	20	knowledge	knowledge	NOUN
fsr-3161	269	21	previously	previously	ADV
fsr-3161	269	22	gained	gain	VERB
fsr-3161	269	23	,	,	PUNCT
fsr-3161	269	24	and	and	CCONJ
fsr-3161	269	25	filling	fill	VERB
fsr-3161	269	26	in	in	ADP
fsr-3161	269	27	the	the	DET
fsr-3161	269	28	apparent	apparent	ADJ
fsr-3161	269	29	gaps	gap	NOUN
fsr-3161	269	30	.	.	PUNCT
fsr-3161	270	1	more	more	ADV
fsr-3161	270	2	importantly	importantly	ADV
fsr-3161	270	3	,	,	PUNCT
fsr-3161	270	4	financial	financial	ADJ
fsr-3161	270	5	advisors	advisor	NOUN
fsr-3161	270	6	can	can	AUX
fsr-3161	270	7	be	be	AUX
fsr-3161	270	8	keenly	keenly	ADV
fsr-3161	270	9	alert	alert	ADJ
fsr-3161	270	10	to	to	ADP
fsr-3161	270	11	the	the	DET
fsr-3161	270	12	possibility	possibility	NOUN
fsr-3161	270	13	that	that	SCONJ
fsr-3161	270	14	the	the	DET
fsr-3161	270	15	presence	presence	NOUN
fsr-3161	270	16	of	of	ADP
fsr-3161	270	17	children	child	NOUN
fsr-3161	270	18	in	in	ADP
fsr-3161	270	19	the	the	DET
fsr-3161	270	20	household	household	NOUN
fsr-3161	270	21	might	might	AUX
fsr-3161	270	22	be	be	AUX
fsr-3161	270	23	delaying	delay	VERB
fsr-3161	270	24	the	the	DET
fsr-3161	270	25	client	client	NOUN
fsr-3161	270	26	’s	’s	PART
fsr-3161	270	27	saving	save	VERB
fsr-3161	270	28	for	for	ADP
fsr-3161	270	29	retirement	retirement	NOUN
fsr-3161	270	30	.	.	PUNCT
fsr-3161	271	1	again	again	ADV
fsr-3161	271	2	,	,	PUNCT
fsr-3161	271	3	such	such	ADJ
fsr-3161	271	4	action	action	NOUN
fsr-3161	271	5	could	could	AUX
fsr-3161	271	6	be	be	AUX
fsr-3161	271	7	rational	rational	ADJ
fsr-3161	271	8	if	if	SCONJ
fsr-3161	271	9	the	the	DET
fsr-3161	271	10	family	family	NOUN
fsr-3161	271	11	has	have	VERB
fsr-3161	271	12	a	a	DET
fsr-3161	271	13	sound	sound	ADJ
fsr-3161	271	14	history	history	NOUN
fsr-3161	271	15	of	of	ADP
fsr-3161	271	16	intergenerational	intergenerational	ADJ
fsr-3161	271	17	care	care	NOUN
fsr-3161	271	18	that	that	PRON
fsr-3161	271	19	is	be	AUX
fsr-3161	271	20	inculcated	inculcate	VERB
fsr-3161	271	21	into	into	ADP
fsr-3161	271	22	each	each	DET
fsr-3161	271	23	successive	successive	ADJ
fsr-3161	271	24	generation	generation	NOUN
fsr-3161	271	25	.	.	PUNCT
fsr-3161	272	1	perhaps	perhaps	ADV
fsr-3161	272	2	more	more	ADV
fsr-3161	272	3	likely	likely	ADJ
fsr-3161	272	4	,	,	PUNCT
fsr-3161	272	5	the	the	DET
fsr-3161	272	6	conversation	conversation	NOUN
fsr-3161	272	7	will	will	AUX
fsr-3161	272	8	provide	provide	VERB
fsr-3161	272	9	an	an	DET
fsr-3161	272	10	opportunity	opportunity	NOUN
fsr-3161	272	11	to	to	PART
fsr-3161	272	12	educate	educate	VERB
fsr-3161	272	13	the	the	DET
fsr-3161	272	14	client	client	NOUN
fsr-3161	272	15	about	about	ADP
fsr-3161	272	16	the	the	DET
fsr-3161	272	17	time	time	NOUN
fsr-3161	272	18	value	value	NOUN
fsr-3161	272	19	of	of	ADP
fsr-3161	272	20	money	money	NOUN
fsr-3161	272	21	and	and	CCONJ
fsr-3161	272	22	the	the	DET
fsr-3161	272	23	crucial	crucial	ADJ
fsr-3161	272	24	importance	importance	NOUN
fsr-3161	272	25	of	of	ADP
fsr-3161	272	26	saving	save	VERB
fsr-3161	272	27	early	early	ADV
fsr-3161	272	28	.	.	PUNCT
fsr-3161	273	1	on	on	ADP
fsr-3161	273	2	a	a	DET
fsr-3161	273	3	more	more	ADV
fsr-3161	273	4	relieving	relieving	NOUN
fsr-3161	273	5	note	note	NOUN
fsr-3161	273	6	,	,	PUNCT
fsr-3161	273	7	if	if	SCONJ
fsr-3161	273	8	an	an	DET
fsr-3161	273	9	advisor	advisor	NOUN
fsr-3161	273	10	worries	worry	VERB
fsr-3161	273	11	that	that	SCONJ
fsr-3161	273	12	altruistic	altruistic	ADJ
fsr-3161	273	13	behavior	behavior	NOUN
fsr-3161	273	14	might	might	AUX
fsr-3161	273	15	crowd	crowd	VERB
fsr-3161	273	16	out	out	ADP
fsr-3161	273	17	a	a	DET
fsr-3161	273	18	client	client	NOUN
fsr-3161	273	19	’s	’s	PART
fsr-3161	273	20	ability	ability	NOUN
fsr-3161	273	21	to	to	PART
fsr-3161	273	22	save	save	VERB
fsr-3161	273	23	,	,	PUNCT
fsr-3161	273	24	that	that	DET
fsr-3161	273	25	advisor	advisor	NOUN
fsr-3161	273	26	can	can	AUX
fsr-3161	273	27	take	take	VERB
fsr-3161	273	28	some	some	DET
fsr-3161	273	29	comfort	comfort	NOUN
fsr-3161	273	30	in	in	ADP
fsr-3161	273	31	evidence	evidence	NOUN
fsr-3161	273	32	that	that	PRON
fsr-3161	273	33	suggests	suggest	VERB
fsr-3161	273	34	altruistic	altruistic	ADJ
fsr-3161	273	35	giving	giving	NOUN
fsr-3161	273	36	and	and	CCONJ
fsr-3161	273	37	saving	save	VERB
fsr-3161	273	38	for	for	ADP
fsr-3161	273	39	retirement	retirement	NOUN
fsr-3161	273	40	are	be	AUX
fsr-3161	273	41	typically	typically	ADV
fsr-3161	273	42	complementary	complementary	ADJ
fsr-3161	273	43	behaviors	behavior	NOUN
fsr-3161	273	44	.	.	PUNCT
fsr-3161	274	1	an	an	DET
fsr-3161	274	2	examination	examination	NOUN
fsr-3161	274	3	of	of	ADP
fsr-3161	274	4	the	the	DET
fsr-3161	274	5	client	client	NOUN
fsr-3161	274	6	’s	’s	PART
fsr-3161	274	7	portfolio	portfolio	NOUN
fsr-3161	274	8	should	should	AUX
fsr-3161	274	9	quickly	quickly	ADV
fsr-3161	274	10	confirm	confirm	VERB
fsr-3161	274	11	whether	whether	SCONJ
fsr-3161	274	12	the	the	DET
fsr-3161	274	13	client	client	NOUN
fsr-3161	274	14	fits	fit	VERB
fsr-3161	274	15	this	this	DET
fsr-3161	274	16	pattern	pattern	NOUN
fsr-3161	274	17	or	or	CCONJ
fsr-3161	274	18	proves	prove	VERB
fsr-3161	274	19	to	to	PART
fsr-3161	274	20	be	be	AUX
fsr-3161	274	21	an	an	DET
fsr-3161	274	22	exception	exception	NOUN
fsr-3161	274	23	,	,	PUNCT
fsr-3161	274	24	with	with	ADP
fsr-3161	274	25	further	further	ADJ
fsr-3161	274	26	conversation	conversation	NOUN
fsr-3161	274	27	needed	need	VERB
fsr-3161	274	28	.	.	PUNCT
fsr-3161	275	1	6	6	X
fsr-3161	275	2	.	.	X
fsr-3161	275	3	conclusion	conclusion	NOUN
fsr-3161	275	4	while	while	SCONJ
fsr-3161	275	5	psid	psid	ADJ
fsr-3161	275	6	data	datum	NOUN
fsr-3161	275	7	are	be	AUX
fsr-3161	275	8	not	not	PART
fsr-3161	275	9	as	as	ADV
fsr-3161	275	10	specific	specific	ADJ
fsr-3161	275	11	to	to	ADP
fsr-3161	275	12	retirement	retirement	NOUN
fsr-3161	275	13	savings	saving	NOUN
fsr-3161	275	14	as	as	ADP
fsr-3161	275	15	other	other	ADJ
fsr-3161	275	16	surveys	survey	NOUN
fsr-3161	275	17	,	,	PUNCT
fsr-3161	275	18	its	its	PRON
fsr-3161	275	19	possession	possession	NOUN
fsr-3161	275	20	of	of	ADP
fsr-3161	275	21	intergenerational	intergenerational	ADJ
fsr-3161	275	22	data	datum	NOUN
fsr-3161	275	23	and	and	CCONJ
fsr-3161	275	24	other	other	ADJ
fsr-3161	275	25	elements	element	NOUN
fsr-3161	275	26	that	that	PRON
fsr-3161	275	27	retirement	retirement	NOUN
fsr-3161	275	28	-	-	PUNCT
fsr-3161	275	29	specific	specific	ADJ
fsr-3161	275	30	surveys	survey	NOUN
fsr-3161	275	31	might	might	AUX
fsr-3161	275	32	ignore	ignore	VERB
fsr-3161	275	33	make	make	VERB
fsr-3161	275	34	it	it	PRON
fsr-3161	275	35	worthy	worthy	ADJ
fsr-3161	275	36	of	of	ADP
fsr-3161	275	37	exploration	exploration	NOUN
fsr-3161	275	38	.	.	PUNCT
fsr-3161	276	1	here	here	ADV
fsr-3161	276	2	is	be	AUX
fsr-3161	276	3	what	what	PRON
fsr-3161	276	4	the	the	DET
fsr-3161	276	5	data	datum	NOUN
fsr-3161	276	6	suggests	suggest	VERB
fsr-3161	276	7	:	:	PUNCT
fsr-3161	276	8	1	1	X
fsr-3161	276	9	.	.	X
fsr-3161	276	10	health	health	NOUN
fsr-3161	276	11	status	status	NOUN
fsr-3161	276	12	plays	play	VERB
fsr-3161	276	13	a	a	DET
fsr-3161	276	14	predictable	predictable	ADJ
fsr-3161	276	15	role	role	NOUN
fsr-3161	276	16	in	in	ADP
fsr-3161	276	17	the	the	DET
fsr-3161	276	18	retirement	retirement	NOUN
fsr-3161	276	19	savings	saving	NOUN
fsr-3161	276	20	decision	decision	NOUN
fsr-3161	276	21	.	.	PUNCT
fsr-3161	277	1	those	those	PRON
fsr-3161	277	2	who	who	PRON
fsr-3161	277	3	enjoy	enjoy	VERB
fsr-3161	277	4	good	good	ADJ
fsr-3161	277	5	health	health	NOUN
fsr-3161	277	6	are	be	AUX
fsr-3161	277	7	more	more	ADV
fsr-3161	277	8	likely	likely	ADJ
fsr-3161	277	9	to	to	PART
fsr-3161	277	10	save	save	VERB
fsr-3161	277	11	for	for	ADP
fsr-3161	277	12	retirement	retirement	NOUN
fsr-3161	277	13	.	.	PUNCT
fsr-3161	278	1	when	when	SCONJ
fsr-3161	278	2	analyzing	analyze	VERB
fsr-3161	278	3	the	the	DET
fsr-3161	278	4	amount	amount	NOUN
fsr-3161	278	5	of	of	ADP
fsr-3161	278	6	retirement	retirement	NOUN
fsr-3161	278	7	savings	saving	NOUN
fsr-3161	278	8	accumulated	accumulate	VERB
fsr-3161	278	9	,	,	PUNCT
fsr-3161	278	10	the	the	DET
fsr-3161	278	11	good	good	ADJ
fsr-3161	278	12	health	health	NOUN
fsr-3161	278	13	of	of	ADP
fsr-3161	278	14	the	the	DET
fsr-3161	278	15	saver	saver	ADJ
fsr-3161	278	16	drives	drive	VERB
fsr-3161	278	17	higher	high	ADJ
fsr-3161	278	18	savings	saving	NOUN
fsr-3161	278	19	until	until	SCONJ
fsr-3161	278	20	we	we	PRON
fsr-3161	278	21	consider	consider	VERB
fsr-3161	278	22	intergenerational	intergenerational	ADJ
fsr-3161	278	23	variables	variable	NOUN
fsr-3161	278	24	.	.	PUNCT
fsr-3161	279	1	once	once	SCONJ
fsr-3161	279	2	those	those	DET
fsr-3161	279	3	variables	variable	NOUN
fsr-3161	279	4	are	be	AUX
fsr-3161	279	5	included	include	VERB
fsr-3161	279	6	,	,	PUNCT
fsr-3161	279	7	parental	parental	ADJ
fsr-3161	279	8	health	health	NOUN
fsr-3161	279	9	is	be	AUX
fsr-3161	279	10	more	more	ADV
fsr-3161	279	11	significant	significant	ADJ
fsr-3161	279	12	than	than	ADP
fsr-3161	279	13	one	one	NUM
fsr-3161	279	14	’s	’s	PART
fsr-3161	279	15	health	health	NOUN
fsr-3161	279	16	in	in	ADP
fsr-3161	279	17	predicting	predict	VERB
fsr-3161	279	18	the	the	DET
fsr-3161	279	19	retirement	retirement	NOUN
fsr-3161	279	20	savings	saving	NOUN
fsr-3161	279	21	level	level	NOUN
fsr-3161	279	22	.	.	PUNCT
fsr-3161	280	1	2	2	X
fsr-3161	280	2	.	.	X
fsr-3161	280	3	the	the	DET
fsr-3161	280	4	number	number	NOUN
fsr-3161	280	5	of	of	ADP
fsr-3161	280	6	children	child	NOUN
fsr-3161	280	7	in	in	ADP
fsr-3161	280	8	the	the	DET
fsr-3161	280	9	household	household	NOUN
fsr-3161	280	10	is	be	AUX
fsr-3161	280	11	inversely	inversely	ADV
fsr-3161	280	12	correlated	correlate	VERB
fsr-3161	280	13	with	with	ADP
fsr-3161	280	14	the	the	DET
fsr-3161	280	15	household	household	NOUN
fsr-3161	280	16	’s	’s	PART
fsr-3161	280	17	likelihood	likelihood	NOUN
fsr-3161	280	18	of	of	ADP
fsr-3161	280	19	saving	save	VERB
fsr-3161	280	20	for	for	ADP
fsr-3161	280	21	retirement	retirement	NOUN
fsr-3161	280	22	,	,	PUNCT
fsr-3161	280	23	possibly	possibly	ADV
fsr-3161	280	24	suggesting	suggest	VERB
fsr-3161	280	25	some	some	DET
fsr-3161	280	26	parents	parent	NOUN
fsr-3161	280	27	plan	plan	VERB
fsr-3161	280	28	to	to	PART
fsr-3161	280	29	draw	draw	VERB
fsr-3161	280	30	some	some	DET
fsr-3161	280	31	retirement	retirement	NOUN
fsr-3161	280	32	support	support	NOUN
fsr-3161	280	33	from	from	ADP
fsr-3161	280	34	their	their	PRON
fsr-3161	280	35	children	child	NOUN
fsr-3161	280	36	.	.	PUNCT
fsr-3161	281	1	however	however	ADV
fsr-3161	281	2	,	,	PUNCT
fsr-3161	281	3	the	the	DET
fsr-3161	281	4	number	number	NOUN
fsr-3161	281	5	of	of	ADP
fsr-3161	281	6	children	child	NOUN
fsr-3161	281	7	in	in	ADP
fsr-3161	281	8	the	the	DET
fsr-3161	281	9	household	household	NOUN
fsr-3161	281	10	is	be	AUX
fsr-3161	281	11	statistically	statistically	ADV
fsr-3161	281	12	insignificant	insignificant	ADJ
fsr-3161	281	13	as	as	ADP
fsr-3161	281	14	a	a	DET
fsr-3161	281	15	predictor	predictor	NOUN
fsr-3161	281	16	of	of	ADP
fsr-3161	281	17	the	the	DET
fsr-3161	281	18	actual	actual	ADJ
fsr-3161	281	19	amount	amount	NOUN
fsr-3161	281	20	of	of	ADP
fsr-3161	281	21	retirement	retirement	NOUN
fsr-3161	281	22	savings	saving	NOUN
fsr-3161	281	23	accumulation	accumulation	NOUN
fsr-3161	281	24	.	.	PUNCT
fsr-3161	282	1	3	3	X
fsr-3161	282	2	.	.	X
fsr-3161	282	3	to	to	ADP
fsr-3161	282	4	the	the	DET
fsr-3161	282	5	extent	extent	NOUN
fsr-3161	282	6	that	that	SCONJ
fsr-3161	282	7	it	it	PRON
fsr-3161	282	8	is	be	AUX
fsr-3161	282	9	statistically	statistically	ADV
fsr-3161	282	10	significant	significant	ADJ
fsr-3161	282	11	,	,	PUNCT
fsr-3161	282	12	most	most	ADV
fsr-3161	282	13	altruistic	altruistic	ADJ
fsr-3161	282	14	giving	giving	NOUN
fsr-3161	282	15	is	be	AUX
fsr-3161	282	16	complementary	complementary	ADJ
fsr-3161	282	17	to	to	ADP
fsr-3161	282	18	retirement	retirement	NOUN
fsr-3161	282	19	plan	plan	NOUN
fsr-3161	282	20	savings	saving	NOUN
fsr-3161	282	21	.	.	PUNCT
fsr-3161	283	1	crowding	crowd	VERB
fsr-3161	283	2	-	-	PUNCT
fsr-3161	283	3	out	out	ADP
fsr-3161	283	4	effects	effect	NOUN
fsr-3161	283	5	are	be	AUX
fsr-3161	283	6	only	only	ADV
fsr-3161	283	7	observed	observe	VERB
fsr-3161	283	8	with	with	ADP
fsr-3161	283	9	those	those	DET
fsr-3161	283	10	contributions	contribution	NOUN
fsr-3161	283	11	made	make	VERB
fsr-3161	283	12	to	to	PART
fsr-3161	283	13	serve	serve	VERB
fsr-3161	283	14	youth	youth	NOUN
fsr-3161	283	15	,	,	PUNCT
fsr-3161	283	16	and	and	CCONJ
fsr-3161	283	17	that	that	DET
fsr-3161	283	18	effect	effect	NOUN
fsr-3161	283	19	disappears	disappear	VERB
fsr-3161	283	20	when	when	SCONJ
fsr-3161	283	21	adding	add	VERB
fsr-3161	283	22	intergenerational	intergenerational	ADJ
fsr-3161	283	23	variables	variable	NOUN
fsr-3161	283	24	.	.	PUNCT
fsr-3161	284	1	4	4	X
fsr-3161	284	2	.	.	X
fsr-3161	284	3	there	there	PRON
fsr-3161	284	4	is	be	VERB
fsr-3161	284	5	evidence	evidence	NOUN
fsr-3161	284	6	that	that	SCONJ
fsr-3161	284	7	the	the	DET
fsr-3161	284	8	decision	decision	NOUN
fsr-3161	284	9	to	to	PART
fsr-3161	284	10	save	save	VERB
fsr-3161	284	11	for	for	ADP
fsr-3161	284	12	retirement	retirement	NOUN
fsr-3161	284	13	is	be	AUX
fsr-3161	284	14	positively	positively	ADV
fsr-3161	284	15	impacted	impact	VERB
fsr-3161	284	16	by	by	ADP
fsr-3161	284	17	having	having	AUX
fsr-3161	284	18	lived	live	VERB
fsr-3161	284	19	with	with	ADP
fsr-3161	284	20	both	both	DET
fsr-3161	284	21	parents	parent	NOUN
fsr-3161	284	22	growing	grow	VERB
fsr-3161	284	23	up	up	ADP
fsr-3161	284	24	,	,	PUNCT
fsr-3161	284	25	and	and	CCONJ
fsr-3161	284	26	the	the	DET
fsr-3161	284	27	mother	mother	NOUN
fsr-3161	284	28	’s	’s	PART
fsr-3161	284	29	retirement	retirement	NOUN
fsr-3161	284	30	savings	saving	NOUN
fsr-3161	284	31	behavior	behavior	NOUN
fsr-3161	284	32	might	might	AUX
fsr-3161	284	33	positively	positively	ADV
fsr-3161	284	34	influence	influence	VERB
fsr-3161	284	35	the	the	DET
fsr-3161	284	36	retirement	retirement	NOUN
fsr-3161	284	37	savings	saving	NOUN
fsr-3161	284	38	decision	decision	NOUN
fsr-3161	284	39	of	of	ADP
fsr-3161	284	40	her	her	PRON
fsr-3161	284	41	children	child	NOUN
fsr-3161	284	42	.	.	PUNCT
fsr-3161	285	1	266	266	NUM
fsr-3161	285	2	b.	b.	PROPN
fsr-3161	285	3	t.	t.	PROPN
fsr-3161	285	4	starr	starr	PROPN
fsr-3161	285	5	/	/	SYM
fsr-3161	285	6	financial	financial	ADJ
fsr-3161	285	7	services	service	NOUN
fsr-3161	285	8	review	review	VERB
fsr-3161	285	9	30	30	NUM
fsr-3161	285	10	(	(	PUNCT
fsr-3161	285	11	2022	2022	NUM
fsr-3161	285	12	)	)	PUNCT
fsr-3161	286	1	251–271	251–271	NUM
fsr-3161	286	2	appendix	appendix	NOUN
fsr-3161	286	3	games	game	NOUN
fsr-3161	286	4	parents	parent	NOUN
fsr-3161	286	5	,	,	PUNCT
fsr-3161	286	6	children	child	NOUN
fsr-3161	286	7	,	,	PUNCT
fsr-3161	286	8	and	and	CCONJ
fsr-3161	286	9	governments	government	NOUN
fsr-3161	286	10	might	might	AUX
fsr-3161	286	11	play	play	VERB
fsr-3161	286	12	for	for	ADP
fsr-3161	286	13	the	the	DET
fsr-3161	286	14	following	follow	VERB
fsr-3161	286	15	games	game	NOUN
fsr-3161	286	16	between	between	ADP
fsr-3161	286	17	players	player	NOUN
fsr-3161	286	18	parents	parent	NOUN
fsr-3161	286	19	,	,	PUNCT
fsr-3161	286	20	children	child	NOUN
fsr-3161	286	21	,	,	PUNCT
fsr-3161	286	22	and	and	CCONJ
fsr-3161	286	23	government	government	NOUN
fsr-3161	286	24	,	,	PUNCT
fsr-3161	286	25	let	let	VERB
fsr-3161	286	26	the	the	DET
fsr-3161	286	27	following	follow	VERB
fsr-3161	286	28	variables	variable	NOUN
fsr-3161	286	29	define	define	VERB
fsr-3161	286	30	the	the	DET
fsr-3161	286	31	payoffs	payoff	NOUN
fsr-3161	286	32	.	.	PUNCT
fsr-3161	287	1	p	p	X
fsr-3161	287	2	=	=	PUNCT
fsr-3161	287	3	present	present	ADJ
fsr-3161	287	4	value	value	NOUN
fsr-3161	287	5	of	of	ADP
fsr-3161	287	6	the	the	DET
fsr-3161	287	7	parent	parent	NOUN
fsr-3161	287	8	’s	’s	PART
fsr-3161	287	9	lifetime	lifetime	NOUN
fsr-3161	287	10	utility	utility	NOUN
fsr-3161	287	11	resulting	result	VERB
fsr-3161	287	12	from	from	ADP
fsr-3161	287	13	the	the	DET
fsr-3161	287	14	consumption	consumption	NOUN
fsr-3161	287	15	that	that	PRON
fsr-3161	287	16	obtains	obtain	VERB
fsr-3161	287	17	from	from	ADP
fsr-3161	287	18	their	their	PRON
fsr-3161	287	19	own	own	ADJ
fsr-3161	287	20	productivity	productivity	NOUN
fsr-3161	287	21	.	.	PUNCT
fsr-3161	288	1	c	c	NOUN
fsr-3161	288	2	=	=	SYM
fsr-3161	288	3	present	present	ADJ
fsr-3161	288	4	value	value	NOUN
fsr-3161	288	5	of	of	ADP
fsr-3161	288	6	utility	utility	NOUN
fsr-3161	288	7	enjoyed	enjoy	VERB
fsr-3161	288	8	by	by	ADP
fsr-3161	288	9	the	the	DET
fsr-3161	288	10	government	government	NOUN
fsr-3161	288	11	that	that	PRON
fsr-3161	288	12	obtains	obtain	VERB
fsr-3161	288	13	from	from	ADP
fsr-3161	288	14	knowing	know	VERB
fsr-3161	288	15	its	its	PRON
fsr-3161	288	16	elderly	elderly	ADJ
fsr-3161	288	17	citizens	citizen	NOUN
fsr-3161	288	18	are	be	AUX
fsr-3161	288	19	provided	provide	VERB
fsr-3161	288	20	for	for	ADP
fsr-3161	288	21	correctly	correctly	ADV
fsr-3161	288	22	.	.	PUNCT
fsr-3161	289	1	x	x	X
fsr-3161	289	2	=	=	PUNCT
fsr-3161	289	3	present	present	ADJ
fsr-3161	289	4	value	value	NOUN
fsr-3161	289	5	of	of	ADP
fsr-3161	289	6	utility	utility	NOUN
fsr-3161	289	7	enjoyed	enjoy	VERB
fsr-3161	289	8	by	by	ADP
fsr-3161	289	9	children	child	NOUN
fsr-3161	289	10	from	from	ADP
fsr-3161	289	11	knowing	know	VERB
fsr-3161	289	12	their	their	PRON
fsr-3161	289	13	parents	parent	NOUN
fsr-3161	289	14	are	be	AUX
fsr-3161	289	15	provided	provide	VERB
fsr-3161	289	16	for	for	ADP
fsr-3161	289	17	correctly	correctly	ADV
fsr-3161	289	18	.	.	PUNCT
fsr-3161	290	1	h	h	NOUN
fsr-3161	290	2	=	=	PUNCT
fsr-3161	291	1	present	present	ADJ
fsr-3161	291	2	value	value	NOUN
fsr-3161	291	3	of	of	ADP
fsr-3161	291	4	the	the	DET
fsr-3161	291	5	utility	utility	NOUN
fsr-3161	291	6	parent	parent	NOUN
fsr-3161	291	7	receives	receive	VERB
fsr-3161	291	8	from	from	ADP
fsr-3161	291	9	a	a	DET
fsr-3161	291	10	transfer	transfer	NOUN
fsr-3161	291	11	from	from	ADP
fsr-3161	291	12	child	child	NOUN
fsr-3161	291	13	.	.	PUNCT
fsr-3161	292	1	w	w	NOUN
fsr-3161	292	2	=	=	PUNCT
fsr-3161	292	3	present	present	ADJ
fsr-3161	292	4	value	value	NOUN
fsr-3161	292	5	of	of	ADP
fsr-3161	292	6	the	the	DET
fsr-3161	292	7	child	child	NOUN
fsr-3161	292	8	’s	’s	PART
fsr-3161	292	9	cost	cost	NOUN
fsr-3161	292	10	of	of	ADP
fsr-3161	292	11	providingh	providingh	NOUN
fsr-3161	292	12	to	to	ADP
fsr-3161	292	13	the	the	DET
fsr-3161	292	14	parent	parent	NOUN
fsr-3161	292	15	.	.	PUNCT
fsr-3161	293	1	g	g	NOUN
fsr-3161	293	2	=	=	PUNCT
fsr-3161	293	3	present	present	ADJ
fsr-3161	293	4	value	value	NOUN
fsr-3161	293	5	of	of	ADP
fsr-3161	293	6	utility	utility	NOUN
fsr-3161	293	7	parent	parent	NOUN
fsr-3161	293	8	enjoys	enjoy	VERB
fsr-3161	293	9	from	from	ADP
fsr-3161	293	10	a	a	DET
fsr-3161	293	11	government	government	NOUN
fsr-3161	293	12	transfer	transfer	NOUN
fsr-3161	293	13	.	.	PUNCT
fsr-3161	294	1	dwl	dwl	NOUN
fsr-3161	294	2	=	=	SYM
fsr-3161	294	3	deadweight	deadweight	NOUN
fsr-3161	294	4	loss	loss	NOUN
fsr-3161	294	5	government	government	NOUN
fsr-3161	294	6	sustains	sustain	VERB
fsr-3161	294	7	to	to	PART
fsr-3161	294	8	fund	fund	VERB
fsr-3161	295	1	g.	g.	PROPN
fsr-3161	295	2	d	d	NOUN
fsr-3161	295	3	=	=	SYM
fsr-3161	295	4	parental	parental	ADJ
fsr-3161	295	5	discount	discount	NOUN
fsr-3161	295	6	factor	factor	NOUN
fsr-3161	295	7	associated	associate	VERB
fsr-3161	295	8	with	with	ADP
fsr-3161	295	9	running	run	VERB
fsr-3161	295	10	out	out	ADP
fsr-3161	295	11	of	of	ADP
fsr-3161	295	12	resources	resource	NOUN
fsr-3161	295	13	prematurely	prematurely	ADV
fsr-3161	295	14	.	.	PUNCT
fsr-3161	296	1	(	(	PUNCT
fsr-3161	296	2	p	p	X
fsr-3161	296	3	,	,	PUNCT
fsr-3161	296	4	χ	χ	NOUN
fsr-3161	296	5	)	)	PUNCT
fsr-3161	296	6	(	(	PUNCT
fsr-3161	296	7	p+θ	p+θ	NUM
fsr-3161	296	8	,	,	PUNCT
fsr-3161	296	9	χ	χ	X
fsr-3161	296	10	—	—	PUNCT
fsr-3161	296	11	ψ	ψ	NOUN
fsr-3161	296	12	)	)	PUNCT
fsr-3161	296	13	parent	parent	NOUN
fsr-3161	296	14	child	child	NOUN
fsr-3161	296	15	save	save	NOUN
fsr-3161	296	16	do	do	AUX
fsr-3161	296	17	n’t	not	PART
fsr-3161	296	18	save	save	VERB
fsr-3161	296	19	baildon’t	baildon’t	ADJ
fsr-3161	296	20	bail	bail	NOUN
fsr-3161	296	21	if	if	SCONJ
fsr-3161	296	22	χ	χ	PROPN
fsr-3161	296	23	˃	˃	PROPN
fsr-3161	296	24	ψ	ψ	VERB
fsr-3161	296	25	,	,	PUNCT
fsr-3161	296	26	subgame	subgame	PROPN
fsr-3161	296	27	perfect	perfect	ADJ
fsr-3161	296	28	equilibrium	equilibrium	NOUN
fsr-3161	296	29	,	,	PUNCT
fsr-3161	296	30	or	or	CCONJ
fsr-3161	296	31	“	"	PUNCT
fsr-3161	296	32	spe	spe	X
fsr-3161	296	33	”	"	PUNCT
fsr-3161	296	34	=	=	PUNCT
fsr-3161	296	35	(	(	PUNCT
fsr-3161	296	36	do	do	AUX
fsr-3161	296	37	n’t	not	PART
fsr-3161	296	38	save	save	VERB
fsr-3161	296	39	,	,	PUNCT
fsr-3161	296	40	bail	bail	NOUN
fsr-3161	296	41	)	)	PUNCT
fsr-3161	296	42	if	if	SCONJ
fsr-3161	296	43	χ	χ	PRON
fsr-3161	296	44	˂	˂	PROPN
fsr-3161	296	45	ψ	ψ	SYM
fsr-3161	296	46	,	,	PUNCT
fsr-3161	296	47	spe	spe	X
fsr-3161	296	48	=	=	PUNCT
fsr-3161	296	49	(	(	PUNCT
fsr-3161	296	50	save	save	VERB
fsr-3161	296	51	,	,	PUNCT
fsr-3161	296	52	do	do	AUX
fsr-3161	296	53	n’t	not	PART
fsr-3161	296	54	bail	bail	VERB
fsr-3161	296	55	)	)	PUNCT
fsr-3161	296	56	(	(	PUNCT
fsr-3161	296	57	δp	δp	INTJ
fsr-3161	296	58	,	,	PUNCT
fsr-3161	296	59	0	0	NUM
fsr-3161	296	60	)	)	PUNCT
fsr-3161	296	61	parent	parent	NOUN
fsr-3161	296	62	,	,	PUNCT
fsr-3161	296	63	child	child	NOUN
fsr-3161	296	64	game	game	NOUN
fsr-3161	296	65	1	1	NUM
fsr-3161	296	66	b.	b.	PROPN
fsr-3161	296	67	t.	t.	PROPN
fsr-3161	296	68	starr	starr	PROPN
fsr-3161	296	69	/	/	SYM
fsr-3161	296	70	financial	financial	ADJ
fsr-3161	296	71	services	service	NOUN
fsr-3161	296	72	review	review	VERB
fsr-3161	296	73	30	30	NUM
fsr-3161	296	74	(	(	PUNCT
fsr-3161	296	75	2022	2022	NUM
fsr-3161	296	76	)	)	PUNCT
fsr-3161	296	77	251–271	251–271	NUM
fsr-3161	296	78	267	267	NUM
fsr-3161	296	79	(	(	PUNCT
fsr-3161	296	80	p	p	X
fsr-3161	296	81	,	,	PUNCT
fsr-3161	296	82	γ	γ	X
fsr-3161	296	83	,	,	PUNCT
fsr-3161	296	84	χ	χ	NOUN
fsr-3161	296	85	)	)	PUNCT
fsr-3161	296	86	(	(	PUNCT
fsr-3161	296	87	p+g	p+g	NOUN
fsr-3161	296	88	,	,	PUNCT
fsr-3161	296	89	γdwl	γdwl	NOUN
fsr-3161	296	90	,	,	PUNCT
fsr-3161	296	91	χ	χ	NOUN
fsr-3161	296	92	)	)	PUNCT
fsr-3161	296	93	(	(	PUNCT
fsr-3161	296	94	δp	δp	INTJ
fsr-3161	296	95	,	,	PUNCT
fsr-3161	296	96	0	0	NUM
fsr-3161	296	97	,	,	PUNCT
fsr-3161	296	98	0	0	NUM
fsr-3161	296	99	)	)	PUNCT
fsr-3161	296	100	(	(	PUNCT
fsr-3161	296	101	p	p	NOUN
fsr-3161	296	102	+	+	CCONJ
fsr-3161	296	103	θ	θ	PROPN
fsr-3161	296	104	,	,	PUNCT
fsr-3161	296	105	γ	γ	X
fsr-3161	296	106	,	,	PUNCT
fsr-3161	296	107	χ	χ	NOUN
fsr-3161	296	108	-	-	PUNCT
fsr-3161	296	109	ψ	ψ	NOUN
fsr-3161	296	110	)	)	PUNCT
fsr-3161	296	111	parent	parent	NOUN
fsr-3161	296	112	government	government	NOUN
fsr-3161	296	113	child	child	NOUN
fsr-3161	296	114	save	save	VERB
fsr-3161	296	115	do	do	AUX
fsr-3161	296	116	n’t	not	PART
fsr-3161	296	117	save	save	VERB
fsr-3161	296	118	baildon’t	baildon’t	ADJ
fsr-3161	296	119	bail	bail	NOUN
fsr-3161	296	120	baildon’t	baildon’t	ADJ
fsr-3161	296	121	bail	bail	NOUN
fsr-3161	296	122	if	if	SCONJ
fsr-3161	296	123	χ	χ	PROPN
fsr-3161	296	124	˃	˃	PROPN
fsr-3161	296	125	ψ	ψ	VERB
fsr-3161	296	126	,	,	PUNCT
fsr-3161	296	127	spe	spe	X
fsr-3161	296	128	=	=	PUNCT
fsr-3161	296	129	(	(	PUNCT
fsr-3161	296	130	do	do	AUX
fsr-3161	296	131	n’t	not	PART
fsr-3161	296	132	save	save	VERB
fsr-3161	296	133	,	,	PUNCT
fsr-3161	296	134	do	do	AUX
fsr-3161	296	135	n’t	not	PART
fsr-3161	296	136	bail	bail	VERB
fsr-3161	296	137	,	,	PUNCT
fsr-3161	296	138	bail	bail	NOUN
fsr-3161	296	139	)	)	PUNCT
fsr-3161	296	140	if	if	SCONJ
fsr-3161	296	141	x	x	X
fsr-3161	296	142	<	<	X
fsr-3161	296	143	ψ	ψ	X
fsr-3161	296	144	and	and	CCONJ
fsr-3161	296	145	γ	γ	X
fsr-3161	296	146	<	<	X
fsr-3161	296	147	dwl	dwl	PROPN
fsr-3161	296	148	,	,	PUNCT
fsr-3161	296	149	spe	spe	X
fsr-3161	296	150	=	=	PUNCT
fsr-3161	296	151	(	(	PUNCT
fsr-3161	296	152	save	save	VERB
fsr-3161	296	153	,	,	PUNCT
fsr-3161	296	154	do	do	AUX
fsr-3161	296	155	n’t	not	PART
fsr-3161	296	156	bail	bail	VERB
fsr-3161	296	157	,	,	PUNCT
fsr-3161	296	158	do	do	AUX
fsr-3161	296	159	n’t	not	PART
fsr-3161	296	160	bail	bail	VERB
fsr-3161	296	161	)	)	PUNCT
fsr-3161	296	162	if	if	SCONJ
fsr-3161	296	163	χ	χ	PRON
fsr-3161	296	164	˂	˂	PROPN
fsr-3161	296	165	ψ	ψ	NOUN
fsr-3161	296	166	and	and	CCONJ
fsr-3161	296	167	γ	γ	PROPN
fsr-3161	296	168	˃	˃	NOUN
fsr-3161	296	169	dwl	dwl	NOUN
fsr-3161	296	170	,	,	PUNCT
fsr-3161	296	171	spe	spe	X
fsr-3161	296	172	=	=	PUNCT
fsr-3161	296	173	(	(	PUNCT
fsr-3161	296	174	do	do	AUX
fsr-3161	296	175	n’t	not	PART
fsr-3161	296	176	save	save	VERB
fsr-3161	296	177	,	,	PUNCT
fsr-3161	296	178	bail	bail	NOUN
fsr-3161	296	179	,	,	PUNCT
fsr-3161	296	180	do	do	AUX
fsr-3161	296	181	n’t	not	PART
fsr-3161	296	182	bail	bail	VERB
fsr-3161	296	183	)	)	PUNCT
fsr-3161	296	184	parent	parent	NOUN
fsr-3161	296	185	,	,	PUNCT
fsr-3161	296	186	child	child	NOUN
fsr-3161	296	187	,	,	PUNCT
fsr-3161	296	188	and	and	CCONJ
fsr-3161	296	189	government	government	NOUN
fsr-3161	296	190	game	game	NOUN
fsr-3161	296	191	2	2	NUM
fsr-3161	296	192	268	268	NUM
fsr-3161	296	193	b.	b.	NOUN
fsr-3161	296	194	t.	t.	PROPN
fsr-3161	296	195	starr	starr	PROPN
fsr-3161	296	196	/	/	SYM
fsr-3161	296	197	financial	financial	ADJ
fsr-3161	296	198	services	service	NOUN
fsr-3161	296	199	review	review	VERB
fsr-3161	296	200	30	30	NUM
fsr-3161	296	201	(	(	PUNCT
fsr-3161	296	202	2022	2022	NUM
fsr-3161	296	203	)	)	PUNCT
fsr-3161	297	1	251–271	251–271	NUM
fsr-3161	297	2	references	reference	NOUN
fsr-3161	297	3	barboza	barboza	NOUN
fsr-3161	297	4	,	,	PUNCT
fsr-3161	297	5	g.	g.	PROPN
fsr-3161	297	6	,	,	PUNCT
fsr-3161	297	7	bongini	bongini	PROPN
fsr-3161	297	8	,	,	PUNCT
fsr-3161	297	9	p.	p.	NOUN
fsr-3161	297	10	,	,	PUNCT
fsr-3161	297	11	&	&	CCONJ
fsr-3161	297	12	rossolini	rossolini	PROPN
fsr-3161	297	13	,	,	PUNCT
fsr-3161	297	14	m.	m.	NOUN
fsr-3161	297	15	(	(	PUNCT
fsr-3161	297	16	2021	2021	NUM
fsr-3161	297	17	)	)	PUNCT
fsr-3161	297	18	.	.	PUNCT
fsr-3161	298	1	financial	financial	ADJ
fsr-3161	298	2	(	(	PUNCT
fsr-3161	298	3	il)literacy	il)literacy	NOUN
fsr-3161	298	4	vs.	vs.	X
fsr-3161	298	5	individual	individual	NOUN
fsr-3161	298	6	’s	’s	PART
fsr-3161	298	7	behavior	behavior	NOUN
fsr-3161	298	8	:	:	PUNCT
fsr-3161	298	9	evidence	evidence	NOUN
fsr-3161	298	10	on	on	ADP
fsr-3161	298	11	credit	credit	NOUN
fsr-3161	298	12	card	card	NOUN
fsr-3161	298	13	repayment	repayment	NOUN
fsr-3161	298	14	patterns	pattern	NOUN
fsr-3161	298	15	.	.	PUNCT
fsr-3161	299	1	financial	financial	ADJ
fsr-3161	299	2	services	service	NOUN
fsr-3161	299	3	review	review	PROPN
fsr-3161	299	4	,	,	PUNCT
fsr-3161	299	5	29	29	NUM
fsr-3161	299	6	,	,	PUNCT
fsr-3161	299	7	247–276	247–276	NUM
fsr-3161	299	8	.	.	PUNCT
fsr-3161	299	9	becker	becker	PROPN
fsr-3161	299	10	,	,	PUNCT
fsr-3161	299	11	g.	g.	PROPN
fsr-3161	299	12	(	(	PUNCT
fsr-3161	299	13	1974	1974	NUM
fsr-3161	299	14	)	)	PUNCT
fsr-3161	299	15	.	.	PUNCT
fsr-3161	300	1	a	a	DET
fsr-3161	300	2	theory	theory	NOUN
fsr-3161	300	3	of	of	ADP
fsr-3161	300	4	social	social	ADJ
fsr-3161	300	5	interactions	interaction	NOUN
fsr-3161	300	6	.	.	PUNCT
fsr-3161	301	1	journal	journal	NOUN
fsr-3161	301	2	of	of	ADP
fsr-3161	301	3	political	political	ADJ
fsr-3161	301	4	economy	economy	NOUN
fsr-3161	301	5	,	,	PUNCT
fsr-3161	301	6	82	82	NUM
fsr-3161	301	7	,	,	PUNCT
fsr-3161	301	8	1063–1093.december	1063–1093.december	NUM
fsr-3161	301	9	)	)	PUNCT
fsr-3161	301	10	.	.	PUNCT
fsr-3161	302	1	bernheim	bernheim	PROPN
fsr-3161	302	2	,	,	PUNCT
fsr-3161	302	3	b.	b.	PROPN
fsr-3161	302	4	d.	d.	PROPN
fsr-3161	302	5	,	,	PUNCT
fsr-3161	302	6	skinner	skinner	PROPN
fsr-3161	302	7	,	,	PUNCT
fsr-3161	302	8	j.	j.	PROPN
fsr-3161	302	9	,	,	PUNCT
fsr-3161	302	10	&	&	CCONJ
fsr-3161	302	11	weinberg	weinberg	PROPN
fsr-3161	302	12	,	,	PUNCT
fsr-3161	302	13	s.	s.	PROPN
fsr-3161	302	14	(	(	PUNCT
fsr-3161	302	15	2001	2001	NUM
fsr-3161	302	16	)	)	PUNCT
fsr-3161	302	17	.	.	PUNCT
fsr-3161	303	1	what	what	PRON
fsr-3161	303	2	accounts	account	VERB
fsr-3161	303	3	for	for	ADP
fsr-3161	303	4	the	the	DET
fsr-3161	303	5	variation	variation	NOUN
fsr-3161	303	6	in	in	ADP
fsr-3161	303	7	retirement	retirement	NOUN
fsr-3161	303	8	wealth	wealth	NOUN
fsr-3161	303	9	among	among	ADP
fsr-3161	303	10	u.s	u.s	PROPN
fsr-3161	303	11	.	.	PROPN
fsr-3161	303	12	households	household	NOUN
fsr-3161	303	13	.	.	PUNCT
fsr-3161	304	1	american	american	PROPN
fsr-3161	304	2	economic	economic	PROPN
fsr-3161	304	3	review	review	PROPN
fsr-3161	304	4	,	,	PUNCT
fsr-3161	304	5	91	91	NUM
fsr-3161	304	6	,	,	PUNCT
fsr-3161	304	7	832–857	832–857	NUM
fsr-3161	304	8	.	.	PUNCT
fsr-3161	304	9	beshears	beshear	NOUN
fsr-3161	304	10	,	,	PUNCT
fsr-3161	304	11	j.	j.	PROPN
fsr-3161	304	12	,	,	PUNCT
fsr-3161	304	13	choi	choi	PROPN
fsr-3161	304	14	,	,	PUNCT
fsr-3161	304	15	j.	j.	PROPN
fsr-3161	304	16	j.	j.	PROPN
fsr-3161	304	17	,	,	PUNCT
fsr-3161	304	18	laibson	laibson	PROPN
fsr-3161	304	19	,	,	PUNCT
fsr-3161	304	20	d.	d.	PROPN
fsr-3161	304	21	,	,	PUNCT
fsr-3161	304	22	&	&	CCONJ
fsr-3161	304	23	madrian	madrian	PROPN
fsr-3161	304	24	,	,	PUNCT
fsr-3161	304	25	b.	b.	PROPN
fsr-3161	304	26	c.	c.	PROPN
fsr-3161	304	27	(	(	PUNCT
fsr-3161	304	28	2007	2007	NUM
fsr-3161	304	29	)	)	PUNCT
fsr-3161	304	30	.	.	PUNCT
fsr-3161	305	1	simplification	simplification	NOUN
fsr-3161	305	2	and	and	CCONJ
fsr-3161	305	3	saving	saving	NOUN
fsr-3161	305	4	.	.	PUNCT
fsr-3161	306	1	nber	nber	PROPN
fsr-3161	306	2	working	working	PROPN
fsr-3161	306	3	paper	paper	PROPN
fsr-3161	306	4	12659	12659	NUM
fsr-3161	306	5	.	.	PUNCT
fsr-3161	307	1	cambridge	cambridge	PROPN
fsr-3161	307	2	,	,	PUNCT
fsr-3161	307	3	ma	ma	PROPN
fsr-3161	307	4	:	:	PUNCT
fsr-3161	307	5	national	national	PROPN
fsr-3161	307	6	bureau	bureau	PROPN
fsr-3161	307	7	of	of	ADP
fsr-3161	307	8	economic	economic	ADJ
fsr-3161	307	9	research	research	NOUN
fsr-3161	307	10	.	.	PUNCT
fsr-3161	308	1	beshears	beshear	NOUN
fsr-3161	308	2	,	,	PUNCT
fsr-3161	308	3	j.	j.	PROPN
fsr-3161	308	4	,	,	PUNCT
fsr-3161	308	5	choi	choi	PROPN
fsr-3161	308	6	,	,	PUNCT
fsr-3161	308	7	j.	j.	PROPN
fsr-3161	308	8	l.	l.	PROPN
fsr-3161	308	9	,	,	PUNCT
fsr-3161	308	10	&	&	CCONJ
fsr-3161	308	11	madrian	madrian	PROPN
fsr-3161	308	12	,	,	PUNCT
fsr-3161	308	13	b.	b.	PROPN
fsr-3161	308	14	(	(	PUNCT
fsr-3161	308	15	2007	2007	NUM
fsr-3161	308	16	)	)	PUNCT
fsr-3161	308	17	.	.	PUNCT
fsr-3161	309	1	the	the	DET
fsr-3161	309	2	impact	impact	NOUN
fsr-3161	309	3	of	of	ADP
fsr-3161	309	4	employer	employer	NOUN
fsr-3161	309	5	matching	match	VERB
fsr-3161	309	6	on	on	ADP
fsr-3161	309	7	savings	saving	NOUN
fsr-3161	309	8	plan	plan	NOUN
fsr-3161	309	9	participation	participation	NOUN
fsr-3161	309	10	under	under	ADP
fsr-3161	309	11	automatic	automatic	ADJ
fsr-3161	309	12	enrollment	enrollment	NOUN
fsr-3161	309	13	.	.	PUNCT
fsr-3161	310	1	9th	9th	ADJ
fsr-3161	310	2	annual	annual	ADJ
fsr-3161	310	3	joint	joint	ADJ
fsr-3161	310	4	conference	conference	NOUN
fsr-3161	310	5	of	of	ADP
fsr-3161	310	6	the	the	DET
fsr-3161	310	7	retirement	retirement	NOUN
fsr-3161	310	8	research	research	PROPN
fsr-3161	310	9	consortium	consortium	NOUN
fsr-3161	310	10	:	:	PUNCT
fsr-3161	310	11	challenges	challenge	NOUN
fsr-3161	310	12	and	and	CCONJ
fsr-3161	310	13	solutions	solution	NOUN
fsr-3161	310	14	for	for	ADP
fsr-3161	310	15	retirement	retirement	NOUN
fsr-3161	310	16	security	security	NOUN
fsr-3161	310	17	(	(	PUNCT
fsr-3161	310	18	pp	pp	PROPN
fsr-3161	310	19	.	.	PUNCT
fsr-3161	310	20	1–24	1–24	PROPN
fsr-3161	310	21	)	)	PUNCT
fsr-3161	310	22	.	.	PUNCT
fsr-3161	311	1	washington	washington	PROPN
fsr-3161	311	2	,	,	PUNCT
fsr-3161	311	3	d.c	d.c	PROPN
fsr-3161	311	4	.	.	PUNCT
fsr-3161	312	1	(	(	PUNCT
fsr-3161	312	2	p	p	X
fsr-3161	312	3	,	,	PUNCT
fsr-3161	312	4	χ	χ	NOUN
fsr-3161	312	5	,	,	PUNCT
fsr-3161	312	6	γ	γ	NOUN
fsr-3161	312	7	)	)	PUNCT
fsr-3161	312	8	(	(	PUNCT
fsr-3161	312	9	p+θ	p+θ	NUM
fsr-3161	312	10	,	,	PUNCT
fsr-3161	312	11	χ	χ	PROPN
fsr-3161	312	12	-ψ	-ψ	PROPN
fsr-3161	312	13	,	,	PUNCT
fsr-3161	312	14	γ	γ	NOUN
fsr-3161	312	15	)	)	PUNCT
fsr-3161	312	16	(	(	PUNCT
fsr-3161	312	17	δp	δp	INTJ
fsr-3161	312	18	,	,	PUNCT
fsr-3161	312	19	0	0	NUM
fsr-3161	312	20	,	,	PUNCT
fsr-3161	312	21	0	0	NUM
fsr-3161	312	22	)	)	PUNCT
fsr-3161	312	23	(	(	PUNCT
fsr-3161	312	24	p	p	X
fsr-3161	313	1	+	+	CCONJ
fsr-3161	313	2	g	g	NOUN
fsr-3161	313	3	,	,	PUNCT
fsr-3161	313	4	x	x	NOUN
fsr-3161	313	5	,	,	PUNCT
fsr-3161	313	6	γ	γ	NOUN
fsr-3161	313	7	-	-	PUNCT
fsr-3161	313	8	dwl	dwl	NOUN
fsr-3161	313	9	)	)	PUNCT
fsr-3161	313	10	parent	parent	NOUN
fsr-3161	313	11	child	child	NOUN
fsr-3161	313	12	gov’t	gov’t	X
fsr-3161	313	13	save	save	NOUN
fsr-3161	313	14	do	do	AUX
fsr-3161	313	15	n’t	not	PART
fsr-3161	313	16	save	save	VERB
fsr-3161	313	17	baildon’t	baildon’t	ADJ
fsr-3161	313	18	bail	bail	NOUN
fsr-3161	313	19	baildon’t	baildon’t	ADJ
fsr-3161	313	20	bail	bail	NOUN
fsr-3161	313	21	if	if	SCONJ
fsr-3161	313	22	χ	χ	PROPN
fsr-3161	313	23	˃	˃	PROPN
fsr-3161	313	24	ψ	ψ	VERB
fsr-3161	313	25	,	,	PUNCT
fsr-3161	313	26	spe	spe	X
fsr-3161	313	27	=	=	PUNCT
fsr-3161	313	28	(	(	PUNCT
fsr-3161	313	29	do	do	AUX
fsr-3161	313	30	n’t	not	PART
fsr-3161	313	31	save	save	VERB
fsr-3161	313	32	,	,	PUNCT
fsr-3161	313	33	do	do	AUX
fsr-3161	313	34	n’t	not	PART
fsr-3161	313	35	bail	bail	VERB
fsr-3161	313	36	,	,	PUNCT
fsr-3161	313	37	bail	bail	NOUN
fsr-3161	313	38	)	)	PUNCT
fsr-3161	313	39	if	if	SCONJ
fsr-3161	313	40	x	x	X
fsr-3161	313	41	<	<	X
fsr-3161	313	42	ψ	ψ	X
fsr-3161	313	43	and	and	CCONJ
fsr-3161	313	44	γ	γ	X
fsr-3161	313	45	<	<	X
fsr-3161	313	46	dwl	dwl	PROPN
fsr-3161	313	47	,	,	PUNCT
fsr-3161	313	48	spe	spe	X
fsr-3161	313	49	=	=	PUNCT
fsr-3161	313	50	(	(	PUNCT
fsr-3161	313	51	save	save	VERB
fsr-3161	313	52	,	,	PUNCT
fsr-3161	313	53	do	do	AUX
fsr-3161	313	54	n’t	not	PART
fsr-3161	313	55	bail	bail	VERB
fsr-3161	313	56	,	,	PUNCT
fsr-3161	313	57	do	do	AUX
fsr-3161	313	58	n’t	not	PART
fsr-3161	313	59	bail	bail	VERB
fsr-3161	313	60	)	)	PUNCT
fsr-3161	313	61	if	if	SCONJ
fsr-3161	313	62	χ	χ	PRON
fsr-3161	313	63	˂	˂	PROPN
fsr-3161	313	64	ψ	ψ	NOUN
fsr-3161	313	65	and	and	CCONJ
fsr-3161	313	66	γ	γ	PROPN
fsr-3161	313	67	˃	˃	NOUN
fsr-3161	313	68	dwl	dwl	NOUN
fsr-3161	313	69	,	,	PUNCT
fsr-3161	313	70	spe	spe	X
fsr-3161	313	71	=	=	PUNCT
fsr-3161	313	72	(	(	PUNCT
fsr-3161	313	73	do	do	AUX
fsr-3161	313	74	n’t	not	PART
fsr-3161	313	75	save	save	VERB
fsr-3161	313	76	,	,	PUNCT
fsr-3161	313	77	bail	bail	NOUN
fsr-3161	313	78	,	,	PUNCT
fsr-3161	313	79	do	do	AUX
fsr-3161	313	80	n’t	not	PART
fsr-3161	313	81	bail	bail	VERB
fsr-3161	313	82	)	)	PUNCT
fsr-3161	313	83	parent	parent	NOUN
fsr-3161	313	84	,	,	PUNCT
fsr-3161	313	85	child	child	NOUN
fsr-3161	313	86	,	,	PUNCT
fsr-3161	313	87	and	and	CCONJ
fsr-3161	313	88	government	government	NOUN
fsr-3161	313	89	game	game	NOUN
fsr-3161	313	90	3	3	NUM
fsr-3161	313	91	b.	b.	PROPN
fsr-3161	313	92	t.	t.	PROPN
fsr-3161	313	93	starr	starr	PROPN
fsr-3161	313	94	/	/	SYM
fsr-3161	313	95	financial	financial	ADJ
fsr-3161	313	96	services	service	NOUN
fsr-3161	313	97	review	review	VERB
fsr-3161	313	98	30	30	NUM
fsr-3161	313	99	(	(	PUNCT
fsr-3161	313	100	2022	2022	NUM
fsr-3161	313	101	)	)	PUNCT
fsr-3161	314	1	251–271	251–271	NUM
fsr-3161	314	2	269	269	NUM
fsr-3161	314	3	beshears	beshear	NOUN
fsr-3161	314	4	,	,	PUNCT
fsr-3161	314	5	j.	j.	PROPN
fsr-3161	314	6	,	,	PUNCT
fsr-3161	314	7	dai	dai	PROPN
fsr-3161	314	8	,	,	PUNCT
fsr-3161	314	9	h.	h.	PROPN
fsr-3161	314	10	,	,	PUNCT
fsr-3161	314	11	milkman	milkman	PROPN
fsr-3161	314	12	,	,	PUNCT
fsr-3161	314	13	k.	k.	PROPN
fsr-3161	314	14	l.	l.	PROPN
fsr-3161	314	15	,	,	PUNCT
fsr-3161	314	16	&	&	CCONJ
fsr-3161	314	17	benartzi	benartzi	PROPN
fsr-3161	314	18	,	,	PUNCT
fsr-3161	314	19	s.	s.	PROPN
fsr-3161	314	20	(	(	PUNCT
fsr-3161	314	21	2021	2021	NUM
fsr-3161	314	22	)	)	PUNCT
fsr-3161	314	23	.	.	PUNCT
fsr-3161	315	1	using	use	VERB
fsr-3161	315	2	fresh	fresh	ADJ
fsr-3161	315	3	starts	start	NOUN
fsr-3161	315	4	to	to	PART
fsr-3161	315	5	nudge	nudge	VERB
fsr-3161	315	6	increased	increase	VERB
fsr-3161	315	7	retirement	retirement	NOUN
fsr-3161	315	8	savings	saving	NOUN
fsr-3161	315	9	.	.	PUNCT
fsr-3161	316	1	organizational	organizational	ADJ
fsr-3161	316	2	behavior	behavior	NOUN
fsr-3161	316	3	and	and	CCONJ
fsr-3161	316	4	human	human	ADJ
fsr-3161	316	5	decision	decision	NOUN
fsr-3161	316	6	processes	process	NOUN
fsr-3161	316	7	,	,	PUNCT
fsr-3161	316	8	167	167	NUM
fsr-3161	316	9	,	,	PUNCT
fsr-3161	316	10	72–87	72–87	NUM
fsr-3161	316	11	.	.	PUNCT
fsr-3161	317	1	brown	brown	PROPN
fsr-3161	317	2	,	,	PUNCT
fsr-3161	317	3	j.	j.	PROPN
fsr-3161	317	4	r.	r.	PROPN
fsr-3161	317	5	,	,	PUNCT
fsr-3161	317	6	liang	liang	PROPN
fsr-3161	317	7	,	,	PUNCT
fsr-3161	317	8	n.	n.	PROPN
fsr-3161	317	9	,	,	PUNCT
fsr-3161	317	10	&	&	CCONJ
fsr-3161	317	11	weisbenner	weisbenner	PROPN
fsr-3161	317	12	,	,	PUNCT
fsr-3161	317	13	s.	s.	PROPN
fsr-3161	317	14	(	(	PUNCT
fsr-3161	317	15	2007	2007	NUM
fsr-3161	317	16	)	)	PUNCT
fsr-3161	317	17	.	.	PUNCT
fsr-3161	318	1	individual	individual	ADJ
fsr-3161	318	2	account	account	NOUN
fsr-3161	318	3	investment	investment	NOUN
fsr-3161	318	4	options	option	NOUN
fsr-3161	318	5	and	and	CCONJ
fsr-3161	318	6	portfolio	portfolio	NOUN
fsr-3161	318	7	choice	choice	NOUN
fsr-3161	318	8	:	:	PUNCT
fsr-3161	318	9	behavioural	behavioural	ADJ
fsr-3161	318	10	lessons	lesson	NOUN
fsr-3161	318	11	from	from	ADP
fsr-3161	318	12	401(k	401(k	NOUN
fsr-3161	318	13	)	)	PUNCT
fsr-3161	318	14	plans	plan	NOUN
fsr-3161	318	15	.	.	PUNCT
fsr-3161	319	1	journal	journal	NOUN
fsr-3161	319	2	of	of	ADP
fsr-3161	319	3	public	public	ADJ
fsr-3161	319	4	economics	economic	NOUN
fsr-3161	319	5	,	,	PUNCT
fsr-3161	319	6	91	91	NUM
fsr-3161	319	7	,	,	PUNCT
fsr-3161	319	8	1992–2013	1992–2013	NUM
fsr-3161	319	9	.	.	PUNCT
fsr-3161	320	1	cardella	cardella	PROPN
fsr-3161	320	2	,	,	PUNCT
fsr-3161	320	3	e.	e.	PROPN
fsr-3161	320	4	,	,	PUNCT
fsr-3161	320	5	kalenkoski	kalenkoski	PROPN
fsr-3161	320	6	,	,	PUNCT
fsr-3161	320	7	c.	c.	PROPN
fsr-3161	320	8	m.	m.	NOUN
fsr-3161	320	9	,	,	PUNCT
fsr-3161	320	10	&	&	CCONJ
fsr-3161	320	11	parent	parent	NOUN
fsr-3161	320	12	,	,	PUNCT
fsr-3161	320	13	m.	m.	NOUN
fsr-3161	320	14	(	(	PUNCT
fsr-3161	320	15	2021	2021	NUM
fsr-3161	320	16	)	)	PUNCT
fsr-3161	320	17	.	.	PUNCT
fsr-3161	321	1	less	less	ADJ
fsr-3161	321	2	is	be	AUX
fsr-3161	321	3	not	not	PART
fsr-3161	321	4	more	more	ADJ
fsr-3161	321	5	:	:	PUNCT
fsr-3161	321	6	401(k	401(k	NUM
fsr-3161	321	7	)	)	PUNCT
fsr-3161	321	8	plan	plan	NOUN
fsr-3161	321	9	information	information	NOUN
fsr-3161	321	10	and	and	CCONJ
fsr-3161	321	11	retirement	retirement	NOUN
fsr-3161	321	12	planning	planning	NOUN
fsr-3161	321	13	choices	choice	NOUN
fsr-3161	321	14	.	.	PUNCT
fsr-3161	322	1	journal	journal	NOUN
fsr-3161	322	2	of	of	ADP
fsr-3161	322	3	pension	pension	NOUN
fsr-3161	322	4	economics	economic	NOUN
fsr-3161	322	5	and	and	CCONJ
fsr-3161	322	6	finance	finance	NOUN
fsr-3161	322	7	,	,	PUNCT
fsr-3161	322	8	1–21	1–21	PROPN
fsr-3161	322	9	.	.	PUNCT
fsr-3161	323	1	charles	charles	PROPN
fsr-3161	323	2	,	,	PUNCT
fsr-3161	323	3	k.	k.	PROPN
fsr-3161	323	4	k.	k.	PROPN
fsr-3161	323	5	,	,	PUNCT
fsr-3161	323	6	&	&	CCONJ
fsr-3161	323	7	hurst	hurst	PROPN
fsr-3161	323	8	,	,	PUNCT
fsr-3161	323	9	e.	e.	PROPN
fsr-3161	323	10	(	(	PUNCT
fsr-3161	323	11	2002	2002	NUM
fsr-3161	323	12	)	)	PUNCT
fsr-3161	323	13	.	.	PUNCT
fsr-3161	324	1	the	the	DET
fsr-3161	324	2	correlation	correlation	NOUN
fsr-3161	324	3	of	of	ADP
fsr-3161	324	4	wealth	wealth	NOUN
fsr-3161	324	5	across	across	ADP
fsr-3161	324	6	generations	generation	NOUN
fsr-3161	324	7	.	.	PUNCT
fsr-3161	325	1	nber	nber	PROPN
fsr-3161	325	2	working	working	PROPN
fsr-3161	325	3	paper	paper	PROPN
fsr-3161	325	4	9314	9314	NUM
fsr-3161	325	5	.	.	PUNCT
fsr-3161	326	1	cambridge	cambridge	PROPN
fsr-3161	326	2	,	,	PUNCT
fsr-3161	326	3	ma	ma	PROPN
fsr-3161	326	4	:	:	PUNCT
fsr-3161	326	5	national	national	PROPN
fsr-3161	326	6	bureau	bureau	PROPN
fsr-3161	326	7	of	of	ADP
fsr-3161	326	8	economic	economic	ADJ
fsr-3161	326	9	research	research	NOUN
fsr-3161	326	10	.	.	PUNCT
fsr-3161	327	1	chiteji	chiteji	NOUN
fsr-3161	327	2	,	,	PUNCT
fsr-3161	327	3	n.	n.	NOUN
fsr-3161	327	4	,	,	PUNCT
fsr-3161	327	5	&	&	CCONJ
fsr-3161	327	6	stafford	stafford	PROPN
fsr-3161	327	7	,	,	PUNCT
fsr-3161	327	8	f.	f.	PROPN
fsr-3161	327	9	(	(	PUNCT
fsr-3161	327	10	2000	2000	NUM
fsr-3161	327	11	)	)	PUNCT
fsr-3161	327	12	.	.	PUNCT
fsr-3161	328	1	asset	asset	NOUN
fsr-3161	328	2	ownership	ownership	NOUN
fsr-3161	328	3	across	across	ADP
fsr-3161	328	4	generations	generation	NOUN
fsr-3161	328	5	.	.	PUNCT
fsr-3161	329	1	the	the	DET
fsr-3161	329	2	levy	levy	PROPN
fsr-3161	329	3	economics	economics	PROPN
fsr-3161	329	4	institute	institute	PROPN
fsr-3161	329	5	of	of	ADP
fsr-3161	329	6	bard	bard	PROPN
fsr-3161	329	7	college	college	PROPN
fsr-3161	329	8	working	working	PROPN
fsr-3161	329	9	paper	paper	PROPN
fsr-3161	329	10	314	314	NUM
fsr-3161	329	11	.	.	PUNCT
fsr-3161	330	1	annandale	annandale	PROPN
fsr-3161	330	2	-	-	PUNCT
fsr-3161	330	3	on	on	ADP
fsr-3161	330	4	-	-	PUNCT
fsr-3161	330	5	hudson	hudson	NOUN
fsr-3161	330	6	,	,	PUNCT
fsr-3161	330	7	ny	ny	PROPN
fsr-3161	330	8	.	.	PROPN
fsr-3161	330	9	choi	choi	PROPN
fsr-3161	330	10	,	,	PUNCT
fsr-3161	330	11	j.	j.	PROPN
fsr-3161	330	12	j.	j.	PROPN
fsr-3161	330	13	,	,	PUNCT
fsr-3161	330	14	laibson	laibson	PROPN
fsr-3161	330	15	,	,	PUNCT
fsr-3161	330	16	d.	d.	PROPN
fsr-3161	330	17	,	,	PUNCT
fsr-3161	330	18	&	&	CCONJ
fsr-3161	330	19	madrian	madrian	PROPN
fsr-3161	330	20	,	,	PUNCT
fsr-3161	330	21	b.	b.	PROPN
fsr-3161	330	22	c.	c.	PROPN
fsr-3161	330	23	(	(	PUNCT
fsr-3161	330	24	2004	2004	NUM
fsr-3161	330	25	)	)	PUNCT
fsr-3161	330	26	.	.	PUNCT
fsr-3161	331	1	plan	plan	NOUN
fsr-3161	331	2	design	design	NOUN
fsr-3161	331	3	and	and	CCONJ
fsr-3161	331	4	401(k	401(k	NOUN
fsr-3161	331	5	)	)	PUNCT
fsr-3161	331	6	savings	saving	NOUN
fsr-3161	331	7	outcomes	outcome	NOUN
fsr-3161	331	8	.	.	PUNCT
fsr-3161	332	1	national	national	ADJ
fsr-3161	332	2	tax	tax	PROPN
fsr-3161	332	3	journal	journal	PROPN
fsr-3161	332	4	,	,	PUNCT
fsr-3161	332	5	57	57	NUM
fsr-3161	332	6	,	,	PUNCT
fsr-3161	332	7	275–298	275–298	NUM
fsr-3161	332	8	.	.	PUNCT
fsr-3161	333	1	choi	choi	PROPN
fsr-3161	333	2	,	,	PUNCT
fsr-3161	333	3	j.	j.	PROPN
fsr-3161	333	4	j.	j.	PROPN
fsr-3161	333	5	,	,	PUNCT
fsr-3161	333	6	laibson	laibson	PROPN
fsr-3161	333	7	,	,	PUNCT
fsr-3161	333	8	d.	d.	PROPN
fsr-3161	333	9	,	,	PUNCT
fsr-3161	333	10	&	&	CCONJ
fsr-3161	333	11	madrian	madrian	PROPN
fsr-3161	333	12	,	,	PUNCT
fsr-3161	333	13	b.	b.	PROPN
fsr-3161	333	14	c.	c.	PROPN
fsr-3161	333	15	(	(	PUNCT
fsr-3161	333	16	2006	2006	NUM
fsr-3161	333	17	)	)	PUNCT
fsr-3161	333	18	.	.	PUNCT
fsr-3161	334	1	reducing	reduce	VERB
fsr-3161	334	2	the	the	DET
fsr-3161	334	3	complexity	complexity	NOUN
fsr-3161	334	4	costs	cost	NOUN
fsr-3161	334	5	of	of	ADP
fsr-3161	334	6	401(k	401(k	NOUN
fsr-3161	334	7	)	)	PUNCT
fsr-3161	334	8	participation	participation	NOUN
fsr-3161	334	9	through	through	ADP
fsr-3161	334	10	quick	quick	ADJ
fsr-3161	334	11	enrollment(tm	enrollment(tm	NOUN
fsr-3161	334	12	)	)	PUNCT
fsr-3161	334	13	.	.	PUNCT
fsr-3161	335	1	nber	nber	PROPN
fsr-3161	335	2	working	working	PROPN
fsr-3161	335	3	paper	paper	PROPN
fsr-3161	335	4	11979	11979	NUM
fsr-3161	335	5	.	.	PUNCT
fsr-3161	336	1	cambridge	cambridge	PROPN
fsr-3161	336	2	,	,	PUNCT
fsr-3161	336	3	ma	ma	PROPN
fsr-3161	336	4	:	:	PUNCT
fsr-3161	336	5	national	national	PROPN
fsr-3161	336	6	bureau	bureau	PROPN
fsr-3161	336	7	of	of	ADP
fsr-3161	336	8	economic	economic	ADJ
fsr-3161	336	9	research	research	NOUN
fsr-3161	336	10	.	.	PUNCT
fsr-3161	337	1	choi	choi	NOUN
fsr-3161	337	2	,	,	PUNCT
fsr-3161	337	3	j.	j.	PROPN
fsr-3161	337	4	j.	j.	PROPN
fsr-3161	337	5	,	,	PUNCT
fsr-3161	337	6	laibson	laibson	PROPN
fsr-3161	337	7	,	,	PUNCT
fsr-3161	337	8	d.	d.	PROPN
fsr-3161	337	9	,	,	PUNCT
fsr-3161	337	10	madrian	madrian	PROPN
fsr-3161	337	11	,	,	PUNCT
fsr-3161	337	12	b.	b.	PROPN
fsr-3161	337	13	c.	c.	PROPN
fsr-3161	337	14	,	,	PUNCT
fsr-3161	337	15	&	&	CCONJ
fsr-3161	337	16	metrick	metrick	ADJ
fsr-3161	337	17	,	,	PUNCT
fsr-3161	337	18	a.	a.	NOUN
fsr-3161	337	19	(	(	PUNCT
fsr-3161	337	20	2009	2009	NUM
fsr-3161	337	21	)	)	PUNCT
fsr-3161	337	22	.	.	PUNCT
fsr-3161	338	1	reinforcement	reinforcement	NOUN
fsr-3161	338	2	learning	learning	NOUN
fsr-3161	338	3	and	and	CCONJ
fsr-3161	338	4	savings	saving	NOUN
fsr-3161	338	5	behavior	behavior	NOUN
fsr-3161	338	6	.	.	PUNCT
fsr-3161	339	1	the	the	DET
fsr-3161	339	2	journal	journal	PROPN
fsr-3161	339	3	of	of	ADP
fsr-3161	339	4	finance	finance	NOUN
fsr-3161	339	5	,	,	PUNCT
fsr-3161	339	6	64	64	NUM
fsr-3161	339	7	,	,	PUNCT
fsr-3161	339	8	2515–2534	2515–2534	NUM
fsr-3161	339	9	.	.	PUNCT
fsr-3161	340	1	choi	choi	NOUN
fsr-3161	340	2	,	,	PUNCT
fsr-3161	340	3	j.	j.	PROPN
fsr-3161	340	4	j.	j.	PROPN
fsr-3161	340	5	,	,	PUNCT
fsr-3161	340	6	laibson	laibson	PROPN
fsr-3161	340	7	,	,	PUNCT
fsr-3161	340	8	d.	d.	PROPN
fsr-3161	340	9	,	,	PUNCT
fsr-3161	340	10	madrian	madrian	PROPN
fsr-3161	340	11	,	,	PUNCT
fsr-3161	340	12	b.	b.	PROPN
fsr-3161	340	13	c.	c.	PROPN
fsr-3161	340	14	,	,	PUNCT
fsr-3161	340	15	&	&	CCONJ
fsr-3161	340	16	metrick	metrick	ADJ
fsr-3161	340	17	,	,	PUNCT
fsr-3161	340	18	a.	a.	NOUN
fsr-3161	340	19	(	(	PUNCT
fsr-3161	340	20	2001	2001	NUM
fsr-3161	340	21	)	)	PUNCT
fsr-3161	340	22	.	.	PUNCT
fsr-3161	341	1	defined	define	VERB
fsr-3161	341	2	contribution	contribution	NOUN
fsr-3161	341	3	pensions	pension	NOUN
fsr-3161	341	4	:	:	PUNCT
fsr-3161	341	5	plan	plan	NOUN
fsr-3161	341	6	rules	rule	NOUN
fsr-3161	341	7	,	,	PUNCT
fsr-3161	341	8	participant	participant	ADJ
fsr-3161	341	9	decisions	decision	NOUN
fsr-3161	341	10	,	,	PUNCT
fsr-3161	341	11	and	and	CCONJ
fsr-3161	341	12	the	the	DET
fsr-3161	341	13	path	path	NOUN
fsr-3161	341	14	of	of	ADP
fsr-3161	341	15	least	least	ADJ
fsr-3161	341	16	resistance	resistance	NOUN
fsr-3161	341	17	.	.	PUNCT
fsr-3161	342	1	tax	tax	NOUN
fsr-3161	342	2	policy	policy	NOUN
fsr-3161	342	3	and	and	CCONJ
fsr-3161	342	4	the	the	DET
fsr-3161	342	5	economy	economy	NOUN
fsr-3161	342	6	.	.	PUNCT
fsr-3161	343	1	cambridge	cambridge	PROPN
fsr-3161	343	2	,	,	PUNCT
fsr-3161	343	3	ma	ma	PROPN
fsr-3161	343	4	:	:	PUNCT
fsr-3161	343	5	national	national	PROPN
fsr-3161	343	6	bureau	bureau	PROPN
fsr-3161	343	7	of	of	ADP
fsr-3161	343	8	economic	economic	ADJ
fsr-3161	343	9	research	research	NOUN
fsr-3161	343	10	.	.	PUNCT
fsr-3161	344	1	choi	choi	NOUN
fsr-3161	344	2	,	,	PUNCT
fsr-3161	344	3	j.	j.	PROPN
fsr-3161	344	4	j.	j.	PROPN
fsr-3161	344	5	,	,	PUNCT
fsr-3161	344	6	laibson	laibson	PROPN
fsr-3161	344	7	,	,	PUNCT
fsr-3161	344	8	d.	d.	PROPN
fsr-3161	344	9	,	,	PUNCT
fsr-3161	344	10	madrian	madrian	PROPN
fsr-3161	344	11	,	,	PUNCT
fsr-3161	344	12	b.	b.	PROPN
fsr-3161	344	13	c.	c.	PROPN
fsr-3161	344	14	,	,	PUNCT
fsr-3161	344	15	&	&	CCONJ
fsr-3161	344	16	metrick	metrick	ADJ
fsr-3161	344	17	,	,	PUNCT
fsr-3161	344	18	a.	a.	NOUN
fsr-3161	344	19	(	(	PUNCT
fsr-3161	344	20	2009	2009	NUM
fsr-3161	344	21	)	)	PUNCT
fsr-3161	344	22	.	.	PUNCT
fsr-3161	345	1	reinforcement	reinforcement	NOUN
fsr-3161	345	2	learning	learning	NOUN
fsr-3161	345	3	and	and	CCONJ
fsr-3161	345	4	savings	saving	NOUN
fsr-3161	345	5	behavior	behavior	NOUN
fsr-3161	345	6	.	.	PUNCT
fsr-3161	346	1	the	the	DET
fsr-3161	346	2	journal	journal	PROPN
fsr-3161	346	3	of	of	ADP
fsr-3161	346	4	finance	finance	NOUN
fsr-3161	346	5	,	,	PUNCT
fsr-3161	346	6	64	64	NUM
fsr-3161	346	7	,	,	PUNCT
fsr-3161	346	8	2515–2534	2515–2534	NUM
fsr-3161	346	9	.	.	PUNCT
fsr-3161	347	1	choi	choi	NOUN
fsr-3161	347	2	,	,	PUNCT
fsr-3161	347	3	j.	j.	PROPN
fsr-3161	347	4	j.	j.	PROPN
fsr-3161	347	5	,	,	PUNCT
fsr-3161	347	6	laibson	laibson	PROPN
fsr-3161	347	7	,	,	PUNCT
fsr-3161	347	8	d.	d.	PROPN
fsr-3161	347	9	,	,	PUNCT
fsr-3161	347	10	madrian	madrian	PROPN
fsr-3161	347	11	,	,	PUNCT
fsr-3161	347	12	b.	b.	PROPN
fsr-3161	347	13	,	,	PUNCT
fsr-3161	347	14	&	&	CCONJ
fsr-3161	347	15	metrick	metrick	ADJ
fsr-3161	347	16	,	,	PUNCT
fsr-3161	347	17	a.	a.	NOUN
fsr-3161	347	18	(	(	PUNCT
fsr-3161	347	19	2001	2001	NUM
fsr-3161	347	20	)	)	PUNCT
fsr-3161	347	21	.	.	PUNCT
fsr-3161	348	1	for	for	ADP
fsr-3161	348	2	better	well	ADJ
fsr-3161	348	3	or	or	CCONJ
fsr-3161	348	4	for	for	ADP
fsr-3161	348	5	worse	bad	ADJ
fsr-3161	348	6	:	:	PUNCT
fsr-3161	348	7	default	default	NOUN
fsr-3161	348	8	effects	effect	NOUN
fsr-3161	348	9	and	and	CCONJ
fsr-3161	348	10	401(k	401(k	NOUN
fsr-3161	348	11	)	)	PUNCT
fsr-3161	348	12	savings	saving	NOUN
fsr-3161	348	13	behaviour	behaviour	NOUN
fsr-3161	348	14	.	.	PUNCT
fsr-3161	349	1	nber	nber	PROPN
fsr-3161	349	2	working	working	PROPN
fsr-3161	349	3	paper	paper	PROPN
fsr-3161	349	4	8651	8651	NUM
fsr-3161	349	5	.	.	PUNCT
fsr-3161	350	1	cambridge	cambridge	PROPN
fsr-3161	350	2	,	,	PUNCT
fsr-3161	350	3	ma	ma	PROPN
fsr-3161	350	4	:	:	PUNCT
fsr-3161	350	5	national	national	PROPN
fsr-3161	350	6	bureau	bureau	PROPN
fsr-3161	350	7	of	of	ADP
fsr-3161	350	8	economic	economic	ADJ
fsr-3161	350	9	research	research	NOUN
fsr-3161	350	10	.	.	PUNCT
fsr-3161	351	1	cigno	cigno	ADJ
fsr-3161	351	2	,	,	PUNCT
fsr-3161	351	3	a.	a.	NOUN
fsr-3161	351	4	(	(	PUNCT
fsr-3161	351	5	1993	1993	NUM
fsr-3161	351	6	)	)	PUNCT
fsr-3161	351	7	.	.	PUNCT
fsr-3161	352	1	intergenrational	intergenrational	ADJ
fsr-3161	352	2	transfers	transfer	NOUN
fsr-3161	352	3	without	without	ADP
fsr-3161	352	4	altruism	altruism	NOUN
fsr-3161	352	5	.	.	PUNCT
fsr-3161	353	1	european	european	ADJ
fsr-3161	353	2	journal	journal	PROPN
fsr-3161	353	3	of	of	ADP
fsr-3161	353	4	political	political	ADJ
fsr-3161	353	5	economy	economy	NOUN
fsr-3161	353	6	,	,	PUNCT
fsr-3161	353	7	9	9	NUM
fsr-3161	353	8	,	,	PUNCT
fsr-3161	353	9	505	505	NUM
fsr-3161	353	10	–	–	SYM
fsr-3161	353	11	518	518	NUM
fsr-3161	353	12	.	.	PUNCT
fsr-3161	353	13	cole	cole	PROPN
fsr-3161	353	14	,	,	PUNCT
fsr-3161	353	15	s.	s.	PROPN
fsr-3161	353	16	,	,	PUNCT
fsr-3161	353	17	paulson	paulson	PROPN
fsr-3161	353	18	,	,	PUNCT
fsr-3161	353	19	a.	a.	PROPN
fsr-3161	353	20	,	,	PUNCT
fsr-3161	353	21	&	&	CCONJ
fsr-3161	353	22	gauri	gauri	PROPN
fsr-3161	353	23	,	,	PUNCT
fsr-3161	353	24	k.	k.	PROPN
fsr-3161	353	25	s.	s.	PROPN
fsr-3161	353	26	(	(	PUNCT
fsr-3161	353	27	2014	2014	NUM
fsr-3161	353	28	)	)	PUNCT
fsr-3161	353	29	.	.	PUNCT
fsr-3161	354	1	smart	smart	ADJ
fsr-3161	354	2	money	money	NOUN
fsr-3161	354	3	?	?	PUNCT
fsr-3161	355	1	the	the	DET
fsr-3161	355	2	effect	effect	NOUN
fsr-3161	355	3	of	of	ADP
fsr-3161	355	4	education	education	NOUN
fsr-3161	355	5	on	on	ADP
fsr-3161	355	6	financial	financial	ADJ
fsr-3161	355	7	literacy	literacy	NOUN
fsr-3161	355	8	.	.	PUNCT
fsr-3161	356	1	review	review	NOUN
fsr-3161	356	2	of	of	ADP
fsr-3161	356	3	financial	financial	ADJ
fsr-3161	356	4	studies	study	NOUN
fsr-3161	356	5	,	,	PUNCT
fsr-3161	356	6	27	27	NUM
fsr-3161	356	7	,	,	PUNCT
fsr-3161	356	8	2022–2051	2022–2051	NUM
fsr-3161	356	9	.	.	PUNCT
fsr-3161	357	1	cox	cox	PROPN
fsr-3161	357	2	,	,	PUNCT
fsr-3161	357	3	d.	d.	PROPN
fsr-3161	357	4	,	,	PUNCT
fsr-3161	357	5	eser	eser	PROPN
fsr-3161	357	6	,	,	PUNCT
fsr-3161	357	7	z.	z.	PROPN
fsr-3161	357	8	,	,	PUNCT
fsr-3161	357	9	&	&	CCONJ
fsr-3161	357	10	jiminez	jiminez	PROPN
fsr-3161	357	11	,	,	PUNCT
fsr-3161	357	12	e.	e.	PROPN
fsr-3161	357	13	(	(	PUNCT
fsr-3161	357	14	1998).motives	1998).motives	NUM
fsr-3161	357	15	for	for	ADP
fsr-3161	357	16	private	private	ADJ
fsr-3161	357	17	transfers	transfer	NOUN
fsr-3161	357	18	over	over	ADP
fsr-3161	357	19	the	the	DET
fsr-3161	357	20	life	life	NOUN
fsr-3161	357	21	cycle	cycle	NOUN
fsr-3161	357	22	:	:	PUNCT
fsr-3161	357	23	an	an	DET
fsr-3161	357	24	analytical	analytical	ADJ
fsr-3161	357	25	framework	framework	NOUN
fsr-3161	357	26	and	and	CCONJ
fsr-3161	357	27	evidence	evidence	NOUN
fsr-3161	357	28	for	for	ADP
fsr-3161	357	29	peru	peru	PROPN
fsr-3161	357	30	.	.	PUNCT
fsr-3161	358	1	journal	journal	PROPN
fsr-3161	358	2	of	of	ADP
fsr-3161	358	3	development	development	NOUN
fsr-3161	358	4	economics	economic	NOUN
fsr-3161	358	5	,	,	PUNCT
fsr-3161	358	6	55	55	NUM
fsr-3161	358	7	,	,	PUNCT
fsr-3161	358	8	57–80	57–80	NUM
fsr-3161	358	9	.	.	PUNCT
fsr-3161	359	1	engen	engen	PROPN
fsr-3161	359	2	,	,	PUNCT
fsr-3161	359	3	e.	e.	PROPN
fsr-3161	359	4	,	,	PUNCT
fsr-3161	359	5	williams	williams	PROPN
fsr-3161	359	6	,	,	PUNCT
fsr-3161	359	7	g.	g.	PROPN
fsr-3161	359	8	,	,	PUNCT
fsr-3161	359	9	&	&	CCONJ
fsr-3161	359	10	scholz	scholz	PROPN
fsr-3161	359	11	,	,	PUNCT
fsr-3161	359	12	j.	j.	PROPN
fsr-3161	359	13	k.	k.	PROPN
fsr-3161	359	14	(	(	PUNCT
fsr-3161	359	15	1996	1996	NUM
fsr-3161	359	16	)	)	PUNCT
fsr-3161	359	17	.	.	PUNCT
fsr-3161	360	1	the	the	DET
fsr-3161	360	2	illusory	illusory	ADJ
fsr-3161	360	3	effects	effect	NOUN
fsr-3161	360	4	of	of	ADP
fsr-3161	360	5	saving	save	VERB
fsr-3161	360	6	incentives	incentive	NOUN
fsr-3161	360	7	on	on	ADP
fsr-3161	360	8	savings	saving	NOUN
fsr-3161	360	9	.	.	PUNCT
fsr-3161	361	1	journal	journal	PROPN
fsr-3161	361	2	of	of	ADP
fsr-3161	361	3	economic	economic	ADJ
fsr-3161	361	4	perspectives	perspective	NOUN
fsr-3161	361	5	,	,	PUNCT
fsr-3161	361	6	10	10	NUM
fsr-3161	361	7	,	,	PUNCT
fsr-3161	361	8	113–138	113–138	NUM
fsr-3161	361	9	.	.	PUNCT
fsr-3161	362	1	galasso	galasso	NOUN
fsr-3161	362	2	,	,	PUNCT
fsr-3161	362	3	v.	v.	PROPN
fsr-3161	362	4	,	,	PUNCT
fsr-3161	362	5	gatti	gatti	PROPN
fsr-3161	362	6	,	,	PUNCT
fsr-3161	362	7	r.	r.	PROPN
fsr-3161	362	8	,	,	PUNCT
fsr-3161	362	9	&	&	CCONJ
fsr-3161	362	10	profeta	profeta	PROPN
fsr-3161	362	11	,	,	PUNCT
fsr-3161	362	12	p.	p.	NOUN
fsr-3161	362	13	(	(	PUNCT
fsr-3161	362	14	2009	2009	NUM
fsr-3161	362	15	)	)	PUNCT
fsr-3161	362	16	.	.	PUNCT
fsr-3161	363	1	investing	invest	VERB
fsr-3161	363	2	for	for	ADP
fsr-3161	363	3	the	the	DET
fsr-3161	363	4	old	old	ADJ
fsr-3161	363	5	age	age	NOUN
fsr-3161	363	6	:	:	PUNCT
fsr-3161	363	7	pensions	pension	NOUN
fsr-3161	363	8	,	,	PUNCT
fsr-3161	363	9	children	child	NOUN
fsr-3161	363	10	and	and	CCONJ
fsr-3161	363	11	savings	saving	NOUN
fsr-3161	363	12	.	.	PUNCT
fsr-3161	364	1	international	international	ADJ
fsr-3161	364	2	tax	tax	NOUN
fsr-3161	364	3	and	and	CCONJ
fsr-3161	364	4	public	public	ADJ
fsr-3161	364	5	finance	finance	NOUN
fsr-3161	364	6	,	,	PUNCT
fsr-3161	364	7	16	16	NUM
fsr-3161	364	8	,	,	PUNCT
fsr-3161	364	9	538–559	538–559	NUM
fsr-3161	364	10	.	.	PUNCT
fsr-3161	365	1	jung	jung	PROPN
fsr-3161	365	2	,	,	PUNCT
fsr-3161	365	3	h.	h.	PROPN
fsr-3161	365	4	,	,	PUNCT
fsr-3161	365	5	pirog	pirog	NOUN
fsr-3161	365	6	,	,	PUNCT
fsr-3161	365	7	m.	m.	NOUN
fsr-3161	365	8	,	,	PUNCT
fsr-3161	365	9	&	&	CCONJ
fsr-3161	365	10	lee	lee	PROPN
fsr-3161	365	11	,	,	PUNCT
fsr-3161	365	12	s.	s.	PROPN
fsr-3161	365	13	k.	k.	PROPN
fsr-3161	365	14	(	(	PUNCT
fsr-3161	365	15	2016	2016	NUM
fsr-3161	365	16	)	)	PUNCT
fsr-3161	365	17	.	.	PUNCT
fsr-3161	366	1	do	do	AUX
fsr-3161	366	2	public	public	ADJ
fsr-3161	366	3	pensions	pension	NOUN
fsr-3161	366	4	crowd	crowd	VERB
fsr-3161	366	5	out	out	ADP
fsr-3161	366	6	private	private	ADJ
fsr-3161	366	7	transfers	transfer	NOUN
fsr-3161	366	8	to	to	ADP
fsr-3161	366	9	the	the	DET
fsr-3161	366	10	elderly	elderly	ADJ
fsr-3161	366	11	?	?	PUNCT
fsr-3161	366	12	:	:	PUNCT
fsr-3161	367	1	evidence	evidence	NOUN
fsr-3161	367	2	from	from	ADP
fsr-3161	367	3	south	south	PROPN
fsr-3161	367	4	korea	korea	PROPN
fsr-3161	367	5	.	.	PUNCT
fsr-3161	368	1	journal	journal	PROPN
fsr-3161	368	2	of	of	ADP
fsr-3161	368	3	pension	pension	NOUN
fsr-3161	368	4	economics	economic	NOUN
fsr-3161	368	5	and	and	CCONJ
fsr-3161	368	6	finance	finance	NOUN
fsr-3161	368	7	,	,	PUNCT
fsr-3161	368	8	15	15	NUM
fsr-3161	368	9	,	,	PUNCT
fsr-3161	368	10	455–477	455–477	NUM
fsr-3161	368	11	.	.	PUNCT
fsr-3161	369	1	love	love	PROPN
fsr-3161	369	2	,	,	PUNCT
fsr-3161	369	3	d.	d.	PROPN
fsr-3161	369	4	(	(	PUNCT
fsr-3161	369	5	2010	2010	NUM
fsr-3161	369	6	)	)	PUNCT
fsr-3161	369	7	.	.	PUNCT
fsr-3161	370	1	the	the	DET
fsr-3161	370	2	effects	effect	NOUN
fsr-3161	370	3	of	of	ADP
fsr-3161	370	4	marital	marital	ADJ
fsr-3161	370	5	status	status	NOUN
fsr-3161	370	6	and	and	CCONJ
fsr-3161	370	7	children	child	NOUN
fsr-3161	370	8	on	on	ADP
fsr-3161	370	9	savings	saving	NOUN
fsr-3161	370	10	and	and	CCONJ
fsr-3161	370	11	portfolio	portfolio	NOUN
fsr-3161	370	12	choice	choice	NOUN
fsr-3161	370	13	.	.	PUNCT
fsr-3161	371	1	review	review	NOUN
fsr-3161	371	2	of	of	ADP
fsr-3161	371	3	financial	financial	ADJ
fsr-3161	371	4	studies	study	NOUN
fsr-3161	371	5	,	,	PUNCT
fsr-3161	371	6	23	23	NUM
fsr-3161	371	7	,	,	PUNCT
fsr-3161	371	8	385–432	385–432	NUM
fsr-3161	371	9	.	.	PUNCT
fsr-3161	371	10	madrian	madrian	PROPN
fsr-3161	371	11	,	,	PUNCT
fsr-3161	371	12	b.	b.	PROPN
fsr-3161	371	13	,	,	PUNCT
fsr-3161	371	14	&	&	CCONJ
fsr-3161	371	15	shea	shea	PROPN
fsr-3161	371	16	,	,	PUNCT
fsr-3161	371	17	d.	d.	PROPN
fsr-3161	371	18	(	(	PUNCT
fsr-3161	371	19	2000	2000	NUM
fsr-3161	371	20	)	)	PUNCT
fsr-3161	371	21	.	.	PUNCT
fsr-3161	372	1	the	the	DET
fsr-3161	372	2	power	power	NOUN
fsr-3161	372	3	of	of	ADP
fsr-3161	372	4	suggestion	suggestion	NOUN
fsr-3161	372	5	:	:	PUNCT
fsr-3161	372	6	inertia	inertia	NOUN
fsr-3161	372	7	in	in	ADP
fsr-3161	372	8	401(k	401(k	NOUN
fsr-3161	372	9	)	)	PUNCT
fsr-3161	372	10	participation	participation	NOUN
fsr-3161	372	11	and	and	CCONJ
fsr-3161	372	12	savings	saving	NOUN
fsr-3161	372	13	behavior	behavior	NOUN
fsr-3161	372	14	.	.	PUNCT
fsr-3161	373	1	nber	nber	PROPN
fsr-3161	373	2	working	working	PROPN
fsr-3161	373	3	paper	paper	PROPN
fsr-3161	373	4	7682	7682	NUM
fsr-3161	373	5	.	.	PUNCT
fsr-3161	374	1	cambridge	cambridge	PROPN
fsr-3161	374	2	,	,	PUNCT
fsr-3161	374	3	ma	ma	PROPN
fsr-3161	374	4	:	:	PUNCT
fsr-3161	374	5	national	national	PROPN
fsr-3161	374	6	bureau	bureau	PROPN
fsr-3161	374	7	of	of	ADP
fsr-3161	374	8	economic	economic	ADJ
fsr-3161	374	9	research	research	NOUN
fsr-3161	374	10	.	.	PUNCT
fsr-3161	375	1	mitchell	mitchell	PROPN
fsr-3161	375	2	,	,	PUNCT
fsr-3161	375	3	o.	o.	PROPN
fsr-3161	375	4	s.	s.	PROPN
fsr-3161	375	5	,	,	PUNCT
fsr-3161	375	6	utkus	utkus	PROPN
fsr-3161	375	7	,	,	PUNCT
fsr-3161	375	8	s.	s.	PROPN
fsr-3161	375	9	p.	p.	PROPN
fsr-3161	375	10	,	,	PUNCT
fsr-3161	375	11	&	&	CCONJ
fsr-3161	375	12	yang	yang	PROPN
fsr-3161	375	13	,	,	PUNCT
fsr-3161	375	14	t.	t.	PROPN
fsr-3161	375	15	(	(	PUNCT
fsr-3161	375	16	2007	2007	NUM
fsr-3161	375	17	)	)	PUNCT
fsr-3161	375	18	.	.	PUNCT
fsr-3161	376	1	turning	turn	VERB
fsr-3161	376	2	workers	worker	NOUN
fsr-3161	376	3	into	into	ADP
fsr-3161	376	4	savers	saver	NOUN
fsr-3161	376	5	?	?	PUNCT
fsr-3161	377	1	incentives	incentive	NOUN
fsr-3161	377	2	,	,	PUNCT
fsr-3161	377	3	liquidity	liquidity	NOUN
fsr-3161	377	4	,	,	PUNCT
fsr-3161	377	5	and	and	CCONJ
fsr-3161	377	6	choice	choice	NOUN
fsr-3161	377	7	in	in	ADP
fsr-3161	377	8	401(k	401(k	PROPN
fsr-3161	377	9	)	)	PUNCT
fsr-3161	377	10	plan	plan	NOUN
fsr-3161	377	11	design	design	NOUN
fsr-3161	377	12	.	.	PUNCT
fsr-3161	378	1	national	national	ADJ
fsr-3161	378	2	tax	tax	PROPN
fsr-3161	378	3	journal	journal	PROPN
fsr-3161	378	4	,	,	PUNCT
fsr-3161	378	5	60	60	NUM
fsr-3161	378	6	,	,	PUNCT
fsr-3161	378	7	469–489	469–489	NUM
fsr-3161	378	8	.	.	PUNCT
fsr-3161	379	1	munnell	munnell	PROPN
fsr-3161	379	2	,	,	PUNCT
fsr-3161	379	3	a.	a.	NOUN
fsr-3161	379	4	,	,	PUNCT
fsr-3161	379	5	sunden	sunden	ADJ
fsr-3161	379	6	,	,	PUNCT
fsr-3161	379	7	a.	a.	PROPN
fsr-3161	379	8	,	,	PUNCT
fsr-3161	379	9	&	&	CCONJ
fsr-3161	379	10	taylor	taylor	PROPN
fsr-3161	379	11	,	,	PUNCT
fsr-3161	379	12	c.	c.	PROPN
fsr-3161	379	13	(	(	PUNCT
fsr-3161	379	14	2000	2000	NUM
fsr-3161	379	15	)	)	PUNCT
fsr-3161	379	16	.	.	PUNCT
fsr-3161	380	1	what	what	PRON
fsr-3161	380	2	determines	determine	VERB
fsr-3161	380	3	401(k	401(k	NOUN
fsr-3161	380	4	)	)	PUNCT
fsr-3161	380	5	participation	participation	NOUN
fsr-3161	380	6	and	and	CCONJ
fsr-3161	380	7	contributions	contribution	NOUN
fsr-3161	380	8	:	:	PUNCT
fsr-3161	380	9	crr	crr	PROPN
fsr-3161	380	10	working	working	PROPN
fsr-3161	380	11	paper	paper	NOUN
fsr-3161	380	12	2000	2000	NUM
fsr-3161	380	13	-	-	SYM
fsr-3161	380	14	12	12	NUM
fsr-3161	380	15	.	.	PUNCT
fsr-3161	381	1	boston	boston	PROPN
fsr-3161	381	2	college	college	PROPN
fsr-3161	381	3	.	.	PUNCT
fsr-3161	382	1	poterba	poterba	PROPN
fsr-3161	382	2	,	,	PUNCT
fsr-3161	382	3	j.	j.	PROPN
fsr-3161	382	4	m.	m.	PROPN
fsr-3161	382	5	,	,	PUNCT
fsr-3161	382	6	venti	venti	PROPN
fsr-3161	382	7	,	,	PUNCT
fsr-3161	382	8	s.	s.	PROPN
fsr-3161	382	9	f.	f.	PROPN
fsr-3161	382	10	,	,	PUNCT
fsr-3161	382	11	&	&	CCONJ
fsr-3161	382	12	wise	wise	PROPN
fsr-3161	382	13	,	,	PUNCT
fsr-3161	382	14	d.	d.	PROPN
fsr-3161	382	15	a.	a.	PROPN
fsr-3161	382	16	(	(	PUNCT
fsr-3161	382	17	1996	1996	NUM
fsr-3161	382	18	)	)	PUNCT
fsr-3161	382	19	.	.	PUNCT
fsr-3161	383	1	how	how	SCONJ
fsr-3161	383	2	retirement	retirement	NOUN
fsr-3161	383	3	savings	saving	NOUN
fsr-3161	383	4	programs	program	NOUN
fsr-3161	383	5	increase	increase	VERB
fsr-3161	383	6	savings	saving	NOUN
fsr-3161	383	7	.	.	PUNCT
fsr-3161	384	1	journal	journal	NOUN
fsr-3161	384	2	of	of	ADP
fsr-3161	384	3	economic	economic	ADJ
fsr-3161	384	4	perspectives	perspective	NOUN
fsr-3161	384	5	,	,	PUNCT
fsr-3161	384	6	10	10	NUM
fsr-3161	384	7	,	,	PUNCT
fsr-3161	384	8	91–112	91–112	PROPN
fsr-3161	384	9	.	.	PUNCT
fsr-3161	384	10	samwick	samwick	PROPN
fsr-3161	384	11	,	,	PUNCT
fsr-3161	384	12	a.	a.	NOUN
fsr-3161	384	13	a.	a.	PROPN
fsr-3161	384	14	,	,	PUNCT
fsr-3161	384	15	&	&	CCONJ
fsr-3161	384	16	skinner	skinner	PROPN
fsr-3161	384	17	,	,	PUNCT
fsr-3161	384	18	j.	j.	PROPN
fsr-3161	384	19	(	(	PUNCT
fsr-3161	384	20	2004	2004	NUM
fsr-3161	384	21	)	)	PUNCT
fsr-3161	384	22	.	.	PUNCT
fsr-3161	385	1	how	how	SCONJ
fsr-3161	385	2	will	will	AUX
fsr-3161	385	3	401(k	401(k	NOUN
fsr-3161	385	4	)	)	PUNCT
fsr-3161	385	5	pension	pension	NOUN
fsr-3161	385	6	plans	plan	NOUN
fsr-3161	385	7	affect	affect	VERB
fsr-3161	385	8	retirement	retirement	NOUN
fsr-3161	385	9	income	income	NOUN
fsr-3161	385	10	?	?	PUNCT
fsr-3161	386	1	american	american	PROPN
fsr-3161	386	2	economic	economic	PROPN
fsr-3161	386	3	review	review	PROPN
fsr-3161	386	4	,	,	PUNCT
fsr-3161	386	5	94	94	NUM
fsr-3161	386	6	,	,	PUNCT
fsr-3161	386	7	329–343	329–343	NUM
fsr-3161	386	8	.	.	PUNCT
fsr-3161	386	9	shore	shore	PROPN
fsr-3161	386	10	,	,	PUNCT
fsr-3161	386	11	s.	s.	PROPN
fsr-3161	386	12	(	(	PUNCT
fsr-3161	386	13	2011	2011	NUM
fsr-3161	386	14	)	)	PUNCT
fsr-3161	386	15	.	.	PUNCT
fsr-3161	387	1	the	the	DET
fsr-3161	387	2	intergenerational	intergenerational	ADJ
fsr-3161	387	3	transmission	transmission	NOUN
fsr-3161	387	4	of	of	ADP
fsr-3161	387	5	income	income	NOUN
fsr-3161	387	6	volatility	volatility	NOUN
fsr-3161	387	7	:	:	PUNCT
fsr-3161	387	8	is	be	AUX
fsr-3161	387	9	riskiness	riskiness	NOUN
fsr-3161	387	10	inherited	inherit	VERB
fsr-3161	387	11	?	?	PUNCT
fsr-3161	388	1	journal	journal	NOUN
fsr-3161	388	2	of	of	ADP
fsr-3161	388	3	business	business	PROPN
fsr-3161	388	4	&	&	CCONJ
fsr-3161	388	5	economic	economic	ADJ
fsr-3161	388	6	statistics	statistic	NOUN
fsr-3161	388	7	,	,	PUNCT
fsr-3161	388	8	29	29	NUM
fsr-3161	388	9	,	,	PUNCT
fsr-3161	388	10	372–381	372–381	NUM
fsr-3161	388	11	.	.	NOUN
fsr-3161	388	12	270	270	NUM
fsr-3161	388	13	b.	b.	PROPN
fsr-3161	388	14	t.	t.	PROPN
fsr-3161	388	15	starr	starr	PROPN
fsr-3161	388	16	/	/	SYM
fsr-3161	388	17	financial	financial	ADJ
fsr-3161	388	18	services	service	NOUN
fsr-3161	388	19	review	review	VERB
fsr-3161	388	20	30	30	NUM
fsr-3161	388	21	(	(	PUNCT
fsr-3161	388	22	2022	2022	NUM
fsr-3161	388	23	)	)	PUNCT
fsr-3161	388	24	251–271	251–271	NUM
fsr-3161	388	25	sommer	sommer	NOUN
fsr-3161	388	26	,	,	PUNCT
fsr-3161	388	27	m.	m.	NOUN
fsr-3161	388	28	,	,	PUNCT
fsr-3161	388	29	lim	lim	PROPN
fsr-3161	388	30	,	,	PUNCT
fsr-3161	388	31	h.	h.	PROPN
fsr-3161	388	32	,	,	PUNCT
fsr-3161	388	33	&	&	CCONJ
fsr-3161	388	34	macdonald	macdonald	PROPN
fsr-3161	388	35	,	,	PUNCT
fsr-3161	388	36	m.	m.	NOUN
fsr-3161	388	37	(	(	PUNCT
fsr-3161	388	38	2022	2022	NUM
fsr-3161	388	39	)	)	PUNCT
fsr-3161	388	40	.	.	PUNCT
fsr-3161	389	1	financial	financial	ADJ
fsr-3161	389	2	advisor	advisor	NOUN
fsr-3161	389	3	use	use	NOUN
fsr-3161	389	4	,	,	PUNCT
fsr-3161	389	5	life	life	NOUN
fsr-3161	389	6	events	event	NOUN
fsr-3161	389	7	,	,	PUNCT
fsr-3161	389	8	and	and	CCONJ
fsr-3161	389	9	the	the	DET
fsr-3161	389	10	relationship	relationship	NOUN
fsr-3161	389	11	with	with	ADP
fsr-3161	389	12	beneficial	beneficial	ADJ
fsr-3161	389	13	intentions	intention	NOUN
fsr-3161	389	14	.	.	PUNCT
fsr-3161	390	1	financial	financial	ADJ
fsr-3161	390	2	services	service	NOUN
fsr-3161	390	3	review	review	PROPN
fsr-3161	390	4	,	,	PUNCT
fsr-3161	390	5	30	30	NUM
fsr-3161	390	6	,	,	PUNCT
fsr-3161	390	7	69–88	69–88	NUM
fsr-3161	390	8	.	.	PUNCT
fsr-3161	390	9	tang	tang	PROPN
fsr-3161	390	10	,	,	PUNCT
fsr-3161	390	11	n.	n.	NOUN
fsr-3161	390	12	,	,	PUNCT
fsr-3161	390	13	&	&	CCONJ
fsr-3161	390	14	peter	peter	PROPN
fsr-3161	390	15	,	,	PUNCT
fsr-3161	390	16	p.	p.	PROPN
fsr-3161	390	17	c.	c.	PROPN
fsr-3161	390	18	(	(	PUNCT
fsr-3161	390	19	2015	2015	NUM
fsr-3161	390	20	)	)	PUNCT
fsr-3161	390	21	.	.	PUNCT
fsr-3161	391	1	financial	financial	ADJ
fsr-3161	391	2	knowledge	knowledge	NOUN
fsr-3161	391	3	acquisition	acquisition	NOUN
fsr-3161	391	4	among	among	ADP
fsr-3161	391	5	the	the	DET
fsr-3161	391	6	young	young	NOUN
fsr-3161	391	7	:	:	PUNCT
fsr-3161	391	8	the	the	DET
fsr-3161	391	9	role	role	NOUN
fsr-3161	391	10	of	of	ADP
fsr-3161	391	11	financial	financial	ADJ
fsr-3161	391	12	education	education	NOUN
fsr-3161	391	13	,	,	PUNCT
fsr-3161	391	14	financial	financial	ADJ
fsr-3161	391	15	experience	experience	NOUN
fsr-3161	391	16	,	,	PUNCT
fsr-3161	391	17	and	and	CCONJ
fsr-3161	391	18	parents	parent	NOUN
fsr-3161	391	19	’	’	PART
fsr-3161	391	20	financial	financial	ADJ
fsr-3161	391	21	experiences	experience	NOUN
fsr-3161	391	22	.	.	PUNCT
fsr-3161	392	1	financial	financial	ADJ
fsr-3161	392	2	services	service	NOUN
fsr-3161	392	3	review	review	PROPN
fsr-3161	392	4	,	,	PUNCT
fsr-3161	392	5	24	24	NUM
fsr-3161	392	6	,	,	PUNCT
fsr-3161	392	7	119–138	119–138	NUM
fsr-3161	392	8	.	.	PUNCT
fsr-3161	393	1	wise	wise	PROPN
fsr-3161	393	2	,	,	PUNCT
fsr-3161	393	3	d.	d.	PROPN
fsr-3161	393	4	a.	a.	PROPN
fsr-3161	393	5	(	(	PUNCT
fsr-3161	393	6	2007	2007	NUM
fsr-3161	393	7	)	)	PUNCT
fsr-3161	393	8	.	.	PUNCT
fsr-3161	394	1	the	the	DET
fsr-3161	394	2	economics	economic	NOUN
fsr-3161	394	3	of	of	ADP
fsr-3161	394	4	aging	aging	NOUN
fsr-3161	394	5	.	.	PUNCT
fsr-3161	395	1	nber	nber	PROPN
fsr-3161	395	2	reporter	reporter	PROPN
fsr-3161	395	3	,	,	PUNCT
fsr-3161	395	4	4	4	NUM
fsr-3161	395	5	,	,	PUNCT
fsr-3161	395	6	1–10	1–10	NOUN
fsr-3161	395	7	.	.	PUNCT
fsr-3161	396	1	witvorapong	witvorapong	PROPN
fsr-3161	396	2	,	,	PUNCT
fsr-3161	396	3	n.	n.	NOUN
fsr-3161	396	4	,	,	PUNCT
fsr-3161	396	5	&	&	CCONJ
fsr-3161	396	6	yoon	yoon	PROPN
fsr-3161	396	7	,	,	PUNCT
fsr-3161	396	8	y.	y.	PROPN
fsr-3161	396	9	p.	p.	PROPN
fsr-3161	396	10	(	(	PUNCT
fsr-3161	396	11	2021	2021	NUM
fsr-3161	396	12	)	)	PUNCT
fsr-3161	396	13	.	.	PUNCT
fsr-3161	397	1	do	do	VERB
fsr-3161	397	2	expectations	expectation	NOUN
fsr-3161	397	3	for	for	ADP
fsr-3161	397	4	post	post	ADJ
fsr-3161	397	5	-	-	ADJ
fsr-3161	397	6	retirement	retirement	ADJ
fsr-3161	397	7	family	family	NOUN
fsr-3161	397	8	and	and	CCONJ
fsr-3161	397	9	government	government	NOUN
fsr-3161	397	10	support	support	NOUN
fsr-3161	397	11	crowd	crowd	VERB
fsr-3161	397	12	out	out	ADP
fsr-3161	397	13	pre	pre	ADJ
fsr-3161	397	14	-	-	ADJ
fsr-3161	397	15	retirement	retirement	ADJ
fsr-3161	397	16	savings	saving	NOUN
fsr-3161	397	17	?	?	PUNCT
fsr-3161	398	1	insights	insight	NOUN
fsr-3161	398	2	from	from	ADP
fsr-3161	398	3	the	the	DET
fsr-3161	398	4	working	work	VERB
fsr-3161	398	5	-	-	PUNCT
fsr-3161	398	6	age	age	NOUN
fsr-3161	398	7	population	population	NOUN
fsr-3161	398	8	in	in	ADP
fsr-3161	398	9	thailand	thailand	PROPN
fsr-3161	398	10	.	.	PUNCT
fsr-3161	399	1	journal	journal	PROPN
fsr-3161	399	2	of	of	ADP
fsr-3161	399	3	pension	pension	NOUN
fsr-3161	399	4	economics	economic	NOUN
fsr-3161	399	5	&	&	CCONJ
fsr-3161	399	6	finance	finance	PROPN
fsr-3161	399	7	,	,	PUNCT
fsr-3161	399	8	21	21	NUM
fsr-3161	399	9	,	,	PUNCT
fsr-3161	399	10	218–236	218–236	NUM
fsr-3161	399	11	.	.	PUNCT
fsr-3161	400	1	http://dx.doi.org/10.1017/s1474747220000360	http://dx.doi.org/10.1017/s1474747220000360	PROPN
fsr-3161	400	2	b.	b.	PROPN
fsr-3161	400	3	t.	t.	PROPN
fsr-3161	400	4	starr	starr	PROPN
fsr-3161	400	5	/	/	SYM
fsr-3161	400	6	financial	financial	ADJ
fsr-3161	400	7	services	service	NOUN
fsr-3161	400	8	review	review	VERB
fsr-3161	400	9	30	30	NUM
fsr-3161	400	10	(	(	PUNCT
fsr-3161	400	11	2022	2022	NUM
fsr-3161	400	12	)	)	PUNCT
fsr-3161	400	13	251–271	251–271	NUM
fsr-3161	400	14	271	271	NUM