id	sid	tid	token	lemma	pos
fsr-3223	1	1	the	the	DET
fsr-3223	1	2	evidence	evidence	NOUN
fsr-3223	1	3	on	on	ADP
fsr-3223	1	4	target	target	NOUN
fsr-3223	1	5	-	-	PUNCT
fsr-3223	1	6	date	date	NOUN
fsr-3223	1	7	mutual	mutual	ADJ
fsr-3223	1	8	funds	fund	NOUN
fsr-3223	1	9	sandeep	sandeep	PROPN
fsr-3223	1	10	singha	singha	PROPN
fsr-3223	1	11	,	,	PUNCT
fsr-3223	1	12	*	*	PUNCT
fsr-3223	1	13	adepartment	adepartment	NOUN
fsr-3223	1	14	of	of	ADP
fsr-3223	1	15	accounting	accounting	NOUN
fsr-3223	1	16	,	,	PUNCT
fsr-3223	1	17	economics	economic	NOUN
fsr-3223	1	18	and	and	CCONJ
fsr-3223	1	19	finance	finance	NOUN
fsr-3223	1	20	,	,	PUNCT
fsr-3223	1	21	school	school	NOUN
fsr-3223	1	22	of	of	ADP
fsr-3223	1	23	business	business	NOUN
fsr-3223	1	24	administration	administration	NOUN
fsr-3223	1	25	and	and	CCONJ
fsr-3223	1	26	economics	economic	NOUN
fsr-3223	1	27	,	,	PUNCT
fsr-3223	1	28	college	college	NOUN
fsr-3223	1	29	at	at	ADP
fsr-3223	1	30	brockport	brockport	PROPN
fsr-3223	1	31	,	,	PUNCT
fsr-3223	1	32	suny	suny	PROPN
fsr-3223	1	33	,	,	PUNCT
fsr-3223	1	34	brockport	brockport	PROPN
fsr-3223	1	35	,	,	PUNCT
fsr-3223	1	36	ny	ny	PROPN
fsr-3223	1	37	14420	14420	NUM
fsr-3223	1	38	,	,	PUNCT
fsr-3223	1	39	usa	usa	PROPN
fsr-3223	1	40	abstract	abstract	PROPN
fsr-3223	1	41	this	this	DET
fsr-3223	1	42	paper	paper	NOUN
fsr-3223	1	43	assimilates	assimilate	VERB
fsr-3223	1	44	the	the	DET
fsr-3223	1	45	knowledge	knowledge	NOUN
fsr-3223	1	46	and	and	CCONJ
fsr-3223	1	47	evidence	evidence	NOUN
fsr-3223	1	48	on	on	ADP
fsr-3223	1	49	target	target	NOUN
fsr-3223	1	50	-	-	PUNCT
fsr-3223	1	51	date	date	NOUN
fsr-3223	1	52	mutual	mutual	ADJ
fsr-3223	1	53	funds	fund	NOUN
fsr-3223	1	54	(	(	PUNCT
fsr-3223	1	55	tdfs	tdfs	ADJ
fsr-3223	1	56	)	)	PUNCT
fsr-3223	1	57	.	.	PUNCT
fsr-3223	2	1	it	it	PRON
fsr-3223	2	2	begins	begin	VERB
fsr-3223	2	3	with	with	ADP
fsr-3223	2	4	a	a	DET
fsr-3223	2	5	discussion	discussion	NOUN
fsr-3223	2	6	of	of	ADP
fsr-3223	2	7	the	the	DET
fsr-3223	2	8	environment	environment	NOUN
fsr-3223	2	9	that	that	PRON
fsr-3223	2	10	contributes	contribute	VERB
fsr-3223	2	11	to	to	ADP
fsr-3223	2	12	the	the	DET
fsr-3223	2	13	tremendous	tremendous	ADJ
fsr-3223	2	14	growth	growth	NOUN
fsr-3223	2	15	of	of	ADP
fsr-3223	2	16	tdfs	tdfs	NOUN
fsr-3223	2	17	.	.	PUNCT
fsr-3223	3	1	next	next	ADV
fsr-3223	3	2	,	,	PUNCT
fsr-3223	3	3	a	a	DET
fsr-3223	3	4	survey	survey	NOUN
fsr-3223	3	5	of	of	ADP
fsr-3223	3	6	the	the	DET
fsr-3223	3	7	theory	theory	NOUN
fsr-3223	3	8	and	and	CCONJ
fsr-3223	3	9	recommendations	recommendation	NOUN
fsr-3223	3	10	on	on	ADP
fsr-3223	3	11	glide	glide	ADJ
fsr-3223	3	12	paths	path	NOUN
fsr-3223	3	13	indicates	indicate	VERB
fsr-3223	3	14	a	a	DET
fsr-3223	3	15	trend	trend	NOUN
fsr-3223	3	16	towards	towards	ADP
fsr-3223	3	17	focusing	focus	VERB
fsr-3223	3	18	on	on	ADP
fsr-3223	3	19	meeting	meet	VERB
fsr-3223	3	20	retirement	retirement	NOUN
fsr-3223	3	21	liabilities	liability	NOUN
fsr-3223	3	22	,	,	PUNCT
fsr-3223	3	23	rather	rather	ADV
fsr-3223	3	24	than	than	ADP
fsr-3223	3	25	optimizing	optimize	VERB
fsr-3223	3	26	asset	asset	NOUN
fsr-3223	3	27	only	only	ADV
fsr-3223	3	28	portfolios	portfolio	NOUN
fsr-3223	3	29	.	.	PUNCT
fsr-3223	4	1	a	a	DET
fsr-3223	4	2	review	review	NOUN
fsr-3223	4	3	of	of	ADP
fsr-3223	4	4	performance	performance	NOUN
fsr-3223	4	5	evaluation	evaluation	NOUN
fsr-3223	4	6	metrics	metric	NOUN
fsr-3223	4	7	for	for	ADP
fsr-3223	4	8	tdfs	tdfs	NOUN
fsr-3223	4	9	shows	show	VERB
fsr-3223	4	10	that	that	SCONJ
fsr-3223	4	11	none	none	NOUN
fsr-3223	4	12	of	of	ADP
fsr-3223	4	13	the	the	DET
fsr-3223	4	14	available	available	ADJ
fsr-3223	4	15	indexes	index	NOUN
fsr-3223	4	16	possesses	possess	VERB
fsr-3223	4	17	all	all	DET
fsr-3223	4	18	seven	seven	NUM
fsr-3223	4	19	characteristics	characteristic	NOUN
fsr-3223	4	20	of	of	ADP
fsr-3223	4	21	an	an	DET
fsr-3223	4	22	ideal	ideal	ADJ
fsr-3223	4	23	benchmark	benchmark	NOUN
fsr-3223	4	24	.	.	PUNCT
fsr-3223	5	1	plan	plan	NOUN
fsr-3223	5	2	sponsors	sponsor	NOUN
fsr-3223	5	3	can	can	AUX
fsr-3223	5	4	provide	provide	VERB
fsr-3223	5	5	better	well	ADJ
fsr-3223	5	6	outcomes	outcome	NOUN
fsr-3223	5	7	by	by	ADP
fsr-3223	5	8	offering	offer	VERB
fsr-3223	5	9	multiple	multiple	ADJ
fsr-3223	5	10	risk	risk	NOUN
fsr-3223	5	11	profile	profile	NOUN
fsr-3223	5	12	tdfs	tdfs	NOUN
fsr-3223	5	13	while	while	SCONJ
fsr-3223	5	14	researchers	researcher	NOUN
fsr-3223	5	15	can	can	AUX
fsr-3223	5	16	focus	focus	VERB
fsr-3223	5	17	on	on	ADP
fsr-3223	5	18	improving	improve	VERB
fsr-3223	5	19	glide	glide	ADJ
fsr-3223	5	20	path	path	NOUN
fsr-3223	5	21	and	and	CCONJ
fsr-3223	5	22	benchmark	benchmark	NOUN
fsr-3223	5	23	design	design	NOUN
fsr-3223	5	24	.	.	PUNCT
fsr-3223	6	1	©	©	PROPN
fsr-3223	6	2	2016	2016	NUM
fsr-3223	6	3	academy	academy	NOUN
fsr-3223	6	4	of	of	ADP
fsr-3223	6	5	financial	financial	ADJ
fsr-3223	6	6	services	service	NOUN
fsr-3223	6	7	.	.	PUNCT
fsr-3223	7	1	all	all	DET
fsr-3223	7	2	rights	right	NOUN
fsr-3223	7	3	reserved	reserve	VERB
fsr-3223	7	4	.	.	PUNCT
fsr-3223	8	1	jel	jel	PROPN
fsr-3223	8	2	classification	classification	PROPN
fsr-3223	8	3	:	:	PUNCT
fsr-3223	8	4	j26	j26	PROPN
fsr-3223	8	5	;	;	PUNCT
fsr-3223	8	6	c00	c00	NOUN
fsr-3223	8	7	;	;	PUNCT
fsr-3223	8	8	d14	d14	NOUN
fsr-3223	8	9	;	;	PUNCT
fsr-3223	8	10	g11	g11	NOUN
fsr-3223	8	11	keywords	keyword	NOUN
fsr-3223	8	12	:	:	PUNCT
fsr-3223	8	13	target	target	NOUN
fsr-3223	8	14	-	-	PUNCT
fsr-3223	8	15	date	date	NOUN
fsr-3223	8	16	funds	fund	NOUN
fsr-3223	8	17	;	;	PUNCT
fsr-3223	8	18	life	life	NOUN
fsr-3223	8	19	cycle	cycle	NOUN
fsr-3223	8	20	funds	fund	NOUN
fsr-3223	8	21	;	;	PUNCT
fsr-3223	8	22	retirement	retirement	NOUN
fsr-3223	8	23	;	;	PUNCT
fsr-3223	8	24	asset	asset	NOUN
fsr-3223	8	25	allocation	allocation	NOUN
fsr-3223	8	26	1	1	NUM
fsr-3223	8	27	.	.	PUNCT
fsr-3223	8	28	introduction	introduction	NOUN
fsr-3223	8	29	the	the	DET
fsr-3223	8	30	department	department	PROPN
fsr-3223	8	31	of	of	ADP
fsr-3223	8	32	labor	labor	NOUN
fsr-3223	8	33	’s	’s	PART
fsr-3223	8	34	safe	safe	ADJ
fsr-3223	8	35	harbor	harbor	NOUN
fsr-3223	8	36	provision	provision	NOUN
fsr-3223	8	37	of	of	ADP
fsr-3223	8	38	2007	2007	NUM
fsr-3223	8	39	has	have	AUX
fsr-3223	8	40	provided	provide	VERB
fsr-3223	8	41	a	a	DET
fsr-3223	8	42	significant	significant	ADJ
fsr-3223	8	43	boost	boost	NOUN
fsr-3223	8	44	to	to	ADP
fsr-3223	8	45	the	the	DET
fsr-3223	8	46	popularity	popularity	NOUN
fsr-3223	8	47	of	of	ADP
fsr-3223	8	48	target	target	NOUN
fsr-3223	8	49	date	date	NOUN
fsr-3223	8	50	mutual	mutual	ADJ
fsr-3223	8	51	funds	fund	NOUN
fsr-3223	8	52	(	(	PUNCT
fsr-3223	8	53	tdfs	tdfs	ADJ
fsr-3223	8	54	)	)	PUNCT
fsr-3223	8	55	.	.	PUNCT
fsr-3223	9	1	these	these	DET
fsr-3223	9	2	funds	fund	NOUN
fsr-3223	9	3	are	be	AUX
fsr-3223	9	4	now	now	ADV
fsr-3223	9	5	included	include	VERB
fsr-3223	9	6	as	as	ADP
fsr-3223	9	7	a	a	DET
fsr-3223	9	8	default	default	NOUN
fsr-3223	9	9	investment	investment	NOUN
fsr-3223	9	10	option	option	NOUN
fsr-3223	9	11	in	in	ADP
fsr-3223	9	12	defined	define	VERB
fsr-3223	9	13	contribution	contribution	NOUN
fsr-3223	9	14	plans	plan	NOUN
fsr-3223	9	15	along	along	ADP
fsr-3223	9	16	with	with	ADP
fsr-3223	9	17	managed	manage	VERB
fsr-3223	9	18	accounts	account	NOUN
fsr-3223	9	19	and	and	CCONJ
fsr-3223	9	20	balanced	balanced	ADJ
fsr-3223	9	21	funds	fund	NOUN
fsr-3223	9	22	.	.	PUNCT
fsr-3223	10	1	according	accord	VERB
fsr-3223	10	2	to	to	ADP
fsr-3223	10	3	department	department	PROPN
fsr-3223	10	4	of	of	ADP
fsr-3223	10	5	labor	labor	NOUN
fsr-3223	10	6	,	,	PUNCT
fsr-3223	10	7	the	the	DET
fsr-3223	10	8	qualified	qualified	ADJ
fsr-3223	10	9	default	default	NOUN
fsr-3223	10	10	investment	investment	NOUN
fsr-3223	10	11	alternative	alternative	NOUN
fsr-3223	10	12	(	(	PUNCT
fsr-3223	10	13	qdia	qdia	NOUN
fsr-3223	10	14	)	)	PUNCT
fsr-3223	10	15	provides	provide	VERB
fsr-3223	10	16	a	a	DET
fsr-3223	10	17	plan	plan	NOUN
fsr-3223	10	18	sponsor	sponsor	NOUN
fsr-3223	10	19	“	"	PUNCT
fsr-3223	10	20	safe	safe	ADJ
fsr-3223	10	21	harbor	harbor	NOUN
fsr-3223	10	22	relief	relief	NOUN
fsr-3223	10	23	from	from	ADP
fsr-3223	10	24	fiduciary	fiduciary	ADJ
fsr-3223	10	25	liability	liability	NOUN
fsr-3223	10	26	for	for	ADP
fsr-3223	10	27	investment	investment	NOUN
fsr-3223	10	28	outcomes	outcome	NOUN
fsr-3223	10	29	ebsa	ebsa	NOUN
fsr-3223	10	30	(	(	PUNCT
fsr-3223	10	31	2008	2008	NUM
fsr-3223	10	32	)	)	PUNCT
fsr-3223	10	33	.	.	PUNCT
fsr-3223	10	34	”	"	PUNCT
fsr-3223	11	1	a	a	DET
fsr-3223	11	2	consequence	consequence	NOUN
fsr-3223	11	3	of	of	ADP
fsr-3223	11	4	the	the	DET
fsr-3223	11	5	pension	pension	NOUN
fsr-3223	11	6	protection	protection	NOUN
fsr-3223	11	7	act	act	NOUN
fsr-3223	11	8	of	of	ADP
fsr-3223	11	9	2006	2006	NUM
fsr-3223	11	10	,	,	PUNCT
fsr-3223	11	11	employers	employer	NOUN
fsr-3223	11	12	are	be	AUX
fsr-3223	11	13	increasingly	increasingly	ADV
fsr-3223	11	14	adopting	adopt	VERB
fsr-3223	11	15	the	the	DET
fsr-3223	11	16	automatic	automatic	ADJ
fsr-3223	11	17	enrollment	enrollment	NOUN
fsr-3223	11	18	option	option	NOUN
fsr-3223	11	19	in	in	ADP
fsr-3223	11	20	401(k	401(k	NOUN
fsr-3223	11	21	)	)	PUNCT
fsr-3223	11	22	plans	plan	NOUN
fsr-3223	11	23	,	,	PUNCT
fsr-3223	11	24	which	which	PRON
fsr-3223	11	25	further	further	ADJ
fsr-3223	11	26	supplements	supplement	NOUN
fsr-3223	11	27	the	the	DET
fsr-3223	11	28	assets	asset	NOUN
fsr-3223	11	29	under	under	ADP
fsr-3223	11	30	management	management	NOUN
fsr-3223	11	31	(	(	PUNCT
fsr-3223	11	32	aum	aum	NOUN
fsr-3223	11	33	)	)	PUNCT
fsr-3223	11	34	base	base	NOUN
fsr-3223	11	35	of	of	ADP
fsr-3223	11	36	tdfs	tdfs	NOUN
fsr-3223	11	37	.	.	PUNCT
fsr-3223	12	1	*	*	PUNCT
fsr-3223	12	2	corresponding	correspond	VERB
fsr-3223	12	3	author	author	NOUN
fsr-3223	12	4	.	.	PUNCT
fsr-3223	13	1	tel	tel	PROPN
fsr-3223	13	2	.	.	PUNCT
fsr-3223	13	3	:	:	PUNCT
fsr-3223	13	4	�	�	PROPN
fsr-3223	13	5	1	1	NUM
fsr-3223	13	6	-	-	SYM
fsr-3223	13	7	585	585	NUM
fsr-3223	13	8	-	-	NUM
fsr-3223	13	9	395	395	NUM
fsr-3223	13	10	-	-	SYM
fsr-3223	13	11	5519	5519	NUM
fsr-3223	13	12	;	;	PUNCT
fsr-3223	13	13	fax	fax	NOUN
fsr-3223	13	14	:	:	PUNCT
fsr-3223	13	15	�	�	PROPN
fsr-3223	13	16	1	1	NUM
fsr-3223	13	17	-	-	SYM
fsr-3223	13	18	585	585	NUM
fsr-3223	13	19	-	-	NUM
fsr-3223	13	20	395	395	NUM
fsr-3223	13	21	-	-	SYM
fsr-3223	13	22	2542	2542	NUM
fsr-3223	13	23	.	.	PUNCT
fsr-3223	14	1	e	e	X
fsr-3223	14	2	-	-	NOUN
fsr-3223	14	3	mail	mail	NOUN
fsr-3223	14	4	address	address	NOUN
fsr-3223	14	5	:	:	PUNCT
fsr-3223	14	6	ssingh@brockport.edu	ssingh@brockport.edu	PROPN
fsr-3223	14	7	financial	financial	ADJ
fsr-3223	14	8	services	service	NOUN
fsr-3223	14	9	review	review	VERB
fsr-3223	14	10	25	25	NUM
fsr-3223	14	11	(	(	PUNCT
fsr-3223	14	12	2016	2016	NUM
fsr-3223	14	13	)	)	PUNCT
fsr-3223	15	1	235–262	235–262	NUM
fsr-3223	15	2	1057	1057	NUM
fsr-3223	15	3	-	-	SYM
fsr-3223	15	4	0810/16/$	0810/16/$	ADV
fsr-3223	15	5	–	–	PUNCT
fsr-3223	15	6	see	see	VERB
fsr-3223	15	7	front	front	ADJ
fsr-3223	15	8	matter	matter	NOUN
fsr-3223	15	9	©	©	PROPN
fsr-3223	15	10	2016	2016	NUM
fsr-3223	15	11	academy	academy	NOUN
fsr-3223	15	12	of	of	ADP
fsr-3223	15	13	financial	financial	ADJ
fsr-3223	15	14	services	service	NOUN
fsr-3223	15	15	.	.	PUNCT
fsr-3223	16	1	all	all	DET
fsr-3223	16	2	rights	right	NOUN
fsr-3223	16	3	reserved	reserve	VERB
fsr-3223	16	4	.	.	PUNCT
fsr-3223	17	1	investors	investor	NOUN
fsr-3223	17	2	held	hold	VERB
fsr-3223	17	3	about	about	ADV
fsr-3223	17	4	$	$	SYM
fsr-3223	17	5	1	1	NUM
fsr-3223	17	6	trillion	trillion	NUM
fsr-3223	17	7	in	in	ADP
fsr-3223	17	8	target	target	NOUN
fsr-3223	17	9	date	date	NOUN
fsr-3223	17	10	and	and	CCONJ
fsr-3223	17	11	lifestyle	lifestyle	NOUN
fsr-3223	17	12	funds	fund	NOUN
fsr-3223	17	13	at	at	ADP
fsr-3223	17	14	the	the	DET
fsr-3223	17	15	end	end	NOUN
fsr-3223	17	16	of	of	ADP
fsr-3223	17	17	2014	2014	NUM
fsr-3223	17	18	,	,	PUNCT
fsr-3223	17	19	compared	compare	VERB
fsr-3223	17	20	to	to	ADP
fsr-3223	17	21	a	a	DET
fsr-3223	17	22	total	total	NOUN
fsr-3223	17	23	of	of	ADP
fsr-3223	17	24	$	$	SYM
fsr-3223	17	25	2.75	2.75	NUM
fsr-3223	17	26	billion	billion	NUM
fsr-3223	17	27	at	at	ADP
fsr-3223	17	28	the	the	DET
fsr-3223	17	29	end	end	NOUN
fsr-3223	17	30	of	of	ADP
fsr-3223	17	31	1995	1995	NUM
fsr-3223	17	32	(	(	PUNCT
fsr-3223	17	33	ici	ici	PROPN
fsr-3223	17	34	handbook	handbook	NOUN
fsr-3223	17	35	,	,	PUNCT
fsr-3223	17	36	2015	2015	NUM
fsr-3223	17	37	)	)	PUNCT
fsr-3223	17	38	.	.	PUNCT
fsr-3223	18	1	this	this	PRON
fsr-3223	18	2	calculates	calculate	VERB
fsr-3223	18	3	to	to	ADP
fsr-3223	18	4	a	a	DET
fsr-3223	18	5	compounded	compound	VERB
fsr-3223	18	6	annual	annual	ADJ
fsr-3223	18	7	growth	growth	NOUN
fsr-3223	18	8	rate	rate	NOUN
fsr-3223	18	9	(	(	PUNCT
fsr-3223	18	10	cagr	cagr	NOUN
fsr-3223	18	11	)	)	PUNCT
fsr-3223	18	12	of	of	ADP
fsr-3223	18	13	about	about	ADV
fsr-3223	18	14	35	35	NUM
fsr-3223	18	15	%	%	NOUN
fsr-3223	18	16	over	over	ADP
fsr-3223	18	17	the	the	DET
fsr-3223	18	18	10	10	NUM
fsr-3223	18	19	-	-	PUNCT
fsr-3223	18	20	year	year	NOUN
fsr-3223	18	21	period	period	NOUN
fsr-3223	18	22	,	,	PUNCT
fsr-3223	18	23	an	an	DET
fsr-3223	18	24	impressive	impressive	ADJ
fsr-3223	18	25	flow	flow	NOUN
fsr-3223	18	26	of	of	ADP
fsr-3223	18	27	investor	investor	NOUN
fsr-3223	18	28	money	money	NOUN
fsr-3223	18	29	to	to	ADP
fsr-3223	18	30	these	these	DET
fsr-3223	18	31	funds.1	funds.1	PROPN
fsr-3223	18	32	a	a	DET
fsr-3223	18	33	tdf	tdf	NOUN
fsr-3223	18	34	is	be	AUX
fsr-3223	18	35	managed	manage	VERB
fsr-3223	18	36	from	from	ADP
fsr-3223	18	37	its	its	PRON
fsr-3223	18	38	purchase	purchase	NOUN
fsr-3223	18	39	date	date	NOUN
fsr-3223	18	40	through	through	ADP
fsr-3223	18	41	an	an	DET
fsr-3223	18	42	expected	expect	VERB
fsr-3223	18	43	retirement	retirement	NOUN
fsr-3223	18	44	year	year	NOUN
fsr-3223	18	45	,	,	PUNCT
fsr-3223	18	46	and	and	CCONJ
fsr-3223	18	47	in	in	ADP
fsr-3223	18	48	some	some	DET
fsr-3223	18	49	cases	case	NOUN
fsr-3223	18	50	,	,	PUNCT
fsr-3223	18	51	the	the	DET
fsr-3223	18	52	fund	fund	NOUN
fsr-3223	18	53	provides	provide	VERB
fsr-3223	18	54	an	an	DET
fsr-3223	18	55	additional	additional	ADJ
fsr-3223	18	56	“	"	PUNCT
fsr-3223	18	57	during	during	ADP
fsr-3223	18	58	retirement	retirement	NOUN
fsr-3223	18	59	”	"	PUNCT
fsr-3223	18	60	investment	investment	NOUN
fsr-3223	18	61	option	option	NOUN
fsr-3223	18	62	.	.	PUNCT
fsr-3223	19	1	on	on	ADP
fsr-3223	19	2	the	the	DET
fsr-3223	19	3	other	other	ADJ
fsr-3223	19	4	hand	hand	NOUN
fsr-3223	19	5	,	,	PUNCT
fsr-3223	19	6	a	a	DET
fsr-3223	19	7	lifestyle	lifestyle	NOUN
fsr-3223	19	8	fund	fund	NOUN
fsr-3223	19	9	is	be	AUX
fsr-3223	19	10	directed	direct	VERB
fsr-3223	19	11	to	to	ADP
fsr-3223	19	12	a	a	DET
fsr-3223	19	13	broad	broad	ADJ
fsr-3223	19	14	age	age	NOUN
fsr-3223	19	15	group	group	NOUN
fsr-3223	19	16	and	and	CCONJ
fsr-3223	19	17	tailored	tailor	VERB
fsr-3223	19	18	to	to	ADP
fsr-3223	19	19	its	its	PRON
fsr-3223	19	20	purported	purport	VERB
fsr-3223	19	21	risk	risk	NOUN
fsr-3223	19	22	tolerance	tolerance	NOUN
fsr-3223	19	23	.	.	PUNCT
fsr-3223	20	1	for	for	ADP
fsr-3223	20	2	example	example	NOUN
fsr-3223	20	3	,	,	PUNCT
fsr-3223	20	4	a	a	DET
fsr-3223	20	5	lifestyle	lifestyle	NOUN
fsr-3223	20	6	fund	fund	NOUN
fsr-3223	20	7	focused	focus	VERB
fsr-3223	20	8	on	on	ADP
fsr-3223	20	9	younger	young	ADJ
fsr-3223	20	10	investors	investor	NOUN
fsr-3223	20	11	in	in	ADP
fsr-3223	20	12	their	their	PRON
fsr-3223	20	13	30s	30	NOUN
fsr-3223	20	14	will	will	AUX
fsr-3223	20	15	usually	usually	ADV
fsr-3223	20	16	have	have	VERB
fsr-3223	20	17	a	a	DET
fsr-3223	20	18	high	high	ADJ
fsr-3223	20	19	equity	equity	NOUN
fsr-3223	20	20	exposure	exposure	NOUN
fsr-3223	20	21	,	,	PUNCT
fsr-3223	20	22	while	while	SCONJ
fsr-3223	20	23	a	a	DET
fsr-3223	20	24	lifestyle	lifestyle	NOUN
fsr-3223	20	25	fund	fund	NOUN
fsr-3223	20	26	aimed	aim	VERB
fsr-3223	20	27	at	at	ADP
fsr-3223	20	28	retirees	retiree	NOUN
fsr-3223	20	29	will	will	AUX
fsr-3223	20	30	likely	likely	ADV
fsr-3223	20	31	have	have	VERB
fsr-3223	20	32	a	a	DET
fsr-3223	20	33	heavy	heavy	ADJ
fsr-3223	20	34	emphasis	emphasis	NOUN
fsr-3223	20	35	on	on	ADP
fsr-3223	20	36	fixed	fix	VERB
fsr-3223	20	37	income	income	NOUN
fsr-3223	20	38	securities	security	NOUN
fsr-3223	20	39	.	.	PUNCT
fsr-3223	21	1	assuming	assume	VERB
fsr-3223	21	2	that	that	SCONJ
fsr-3223	21	3	one	one	NUM
fsr-3223	21	4	’s	’s	PART
fsr-3223	21	5	risk	risk	NOUN
fsr-3223	21	6	tolerance	tolerance	NOUN
fsr-3223	21	7	decreases	decrease	VERB
fsr-3223	21	8	with	with	ADP
fsr-3223	21	9	age	age	NOUN
fsr-3223	21	10	,	,	PUNCT
fsr-3223	21	11	an	an	DET
fsr-3223	21	12	investor	investor	NOUN
fsr-3223	21	13	will	will	AUX
fsr-3223	21	14	move	move	VERB
fsr-3223	21	15	from	from	ADP
fsr-3223	21	16	one	one	NUM
fsr-3223	21	17	lifestyle	lifestyle	NOUN
fsr-3223	21	18	fund	fund	NOUN
fsr-3223	21	19	to	to	ADP
fsr-3223	21	20	the	the	DET
fsr-3223	21	21	next	next	ADJ
fsr-3223	21	22	one	one	NUM
fsr-3223	21	23	catering	cater	VERB
fsr-3223	21	24	to	to	ADP
fsr-3223	21	25	their	their	PRON
fsr-3223	21	26	“	"	PUNCT
fsr-3223	21	27	lifestyle	lifestyle	NOUN
fsr-3223	21	28	”	"	PUNCT
fsr-3223	21	29	as	as	SCONJ
fsr-3223	21	30	they	they	PRON
fsr-3223	21	31	age	age	VERB
fsr-3223	21	32	,	,	PUNCT
fsr-3223	21	33	until	until	SCONJ
fsr-3223	21	34	they	they	PRON
fsr-3223	21	35	are	be	AUX
fsr-3223	21	36	in	in	ADP
fsr-3223	21	37	retirement	retirement	NOUN
fsr-3223	21	38	.	.	PUNCT
fsr-3223	22	1	in	in	ADP
fsr-3223	22	2	the	the	DET
fsr-3223	22	3	case	case	NOUN
fsr-3223	22	4	of	of	ADP
fsr-3223	22	5	a	a	DET
fsr-3223	22	6	tdf	tdf	NOUN
fsr-3223	22	7	,	,	PUNCT
fsr-3223	22	8	this	this	DET
fsr-3223	22	9	asset	asset	NOUN
fsr-3223	22	10	allocation	allocation	NOUN
fsr-3223	22	11	is	be	AUX
fsr-3223	22	12	automatically	automatically	ADV
fsr-3223	22	13	shifted	shift	VERB
fsr-3223	22	14	for	for	ADP
fsr-3223	22	15	the	the	DET
fsr-3223	22	16	investor	investor	NOUN
fsr-3223	22	17	.	.	PUNCT
fsr-3223	23	1	a	a	DET
fsr-3223	23	2	good	good	ADJ
fsr-3223	23	3	way	way	NOUN
fsr-3223	23	4	to	to	PART
fsr-3223	23	5	understand	understand	VERB
fsr-3223	23	6	the	the	DET
fsr-3223	23	7	difference	difference	NOUN
fsr-3223	23	8	between	between	ADP
fsr-3223	23	9	target	target	NOUN
fsr-3223	23	10	date	date	NOUN
fsr-3223	23	11	and	and	CCONJ
fsr-3223	23	12	lifestyle	lifestyle	NOUN
fsr-3223	23	13	funds	fund	NOUN
fsr-3223	23	14	is	be	AUX
fsr-3223	23	15	to	to	PART
fsr-3223	23	16	think	think	VERB
fsr-3223	23	17	of	of	ADP
fsr-3223	23	18	lifestyle	lifestyle	NOUN
fsr-3223	23	19	funds	fund	NOUN
fsr-3223	23	20	as	as	ADP
fsr-3223	23	21	building	build	VERB
fsr-3223	23	22	blocks	block	NOUN
fsr-3223	23	23	of	of	ADP
fsr-3223	23	24	a	a	DET
fsr-3223	23	25	tdf	tdf	NOUN
fsr-3223	23	26	.	.	PUNCT
fsr-3223	24	1	so	so	ADV
fsr-3223	24	2	,	,	PUNCT
fsr-3223	24	3	which	which	PRON
fsr-3223	24	4	of	of	ADP
fsr-3223	24	5	these	these	DET
fsr-3223	24	6	two	two	NUM
fsr-3223	24	7	fund	fund	NOUN
fsr-3223	24	8	types	type	NOUN
fsr-3223	24	9	should	should	AUX
fsr-3223	24	10	investors	investor	NOUN
fsr-3223	24	11	prefer	prefer	VERB
fsr-3223	24	12	?	?	PUNCT
fsr-3223	25	1	chang	chang	PROPN
fsr-3223	25	2	et	et	PROPN
fsr-3223	25	3	al	al	PROPN
fsr-3223	25	4	.	.	PROPN
fsr-3223	26	1	(	(	PUNCT
fsr-3223	26	2	2014	2014	NUM
fsr-3223	26	3	)	)	PUNCT
fsr-3223	26	4	use	use	VERB
fsr-3223	26	5	a	a	DET
fsr-3223	26	6	utility	utility	NOUN
fsr-3223	26	7	maximization	maximization	NOUN
fsr-3223	26	8	framework	framework	NOUN
fsr-3223	26	9	and	and	CCONJ
fsr-3223	26	10	use	use	VERB
fsr-3223	26	11	bootstrap	bootstrap	NOUN
fsr-3223	26	12	simulations	simulation	NOUN
fsr-3223	26	13	to	to	PART
fsr-3223	26	14	compare	compare	VERB
fsr-3223	26	15	welfare	welfare	NOUN
fsr-3223	26	16	benefits	benefit	NOUN
fsr-3223	26	17	of	of	ADP
fsr-3223	26	18	both	both	DET
fsr-3223	26	19	types	type	NOUN
fsr-3223	26	20	of	of	ADP
fsr-3223	26	21	funds	fund	NOUN
fsr-3223	26	22	.	.	PUNCT
fsr-3223	27	1	the	the	DET
fsr-3223	27	2	primary	primary	ADJ
fsr-3223	27	3	focus	focus	NOUN
fsr-3223	27	4	of	of	ADP
fsr-3223	27	5	their	their	PRON
fsr-3223	27	6	research	research	NOUN
fsr-3223	27	7	is	be	AUX
fsr-3223	27	8	to	to	PART
fsr-3223	27	9	measure	measure	VERB
fsr-3223	27	10	utility	utility	NOUN
fsr-3223	27	11	derived	derive	VERB
fsr-3223	27	12	from	from	ADP
fsr-3223	27	13	fixed	fix	VERB
fsr-3223	27	14	and	and	CCONJ
fsr-3223	27	15	decreasing	decrease	VERB
fsr-3223	27	16	equity	equity	NOUN
fsr-3223	27	17	allocation	allocation	NOUN
fsr-3223	27	18	for	for	ADP
fsr-3223	27	19	an	an	DET
fsr-3223	27	20	individual	individual	ADJ
fsr-3223	27	21	investor	investor	NOUN
fsr-3223	27	22	over	over	ADP
fsr-3223	27	23	time	time	NOUN
fsr-3223	27	24	.	.	PUNCT
fsr-3223	28	1	they	they	PRON
fsr-3223	28	2	find	find	VERB
fsr-3223	28	3	that	that	SCONJ
fsr-3223	28	4	a	a	DET
fsr-3223	28	5	decreasing	decrease	VERB
fsr-3223	28	6	equity	equity	NOUN
fsr-3223	28	7	allocation	allocation	NOUN
fsr-3223	28	8	provides	provide	VERB
fsr-3223	28	9	better	well	ADJ
fsr-3223	28	10	welfare	welfare	NOUN
fsr-3223	28	11	benefits	benefit	NOUN
fsr-3223	28	12	than	than	ADP
fsr-3223	28	13	a	a	DET
fsr-3223	28	14	static	static	ADJ
fsr-3223	28	15	one	one	NUM
fsr-3223	28	16	.	.	PUNCT
fsr-3223	29	1	this	this	PRON
fsr-3223	29	2	implies	imply	VERB
fsr-3223	29	3	that	that	SCONJ
fsr-3223	29	4	tdfs	tdfs	NOUN
fsr-3223	29	5	are	be	AUX
fsr-3223	29	6	superior	superior	ADJ
fsr-3223	29	7	investment	investment	NOUN
fsr-3223	29	8	vehicles	vehicle	NOUN
fsr-3223	29	9	from	from	ADP
fsr-3223	29	10	a	a	DET
fsr-3223	29	11	utility	utility	NOUN
fsr-3223	29	12	maximization	maximization	NOUN
fsr-3223	29	13	perspective	perspective	NOUN
fsr-3223	29	14	.	.	PUNCT
fsr-3223	30	1	the	the	DET
fsr-3223	30	2	authors	author	NOUN
fsr-3223	30	3	caution	caution	VERB
fsr-3223	30	4	that	that	SCONJ
fsr-3223	30	5	there	there	PRON
fsr-3223	30	6	is	be	VERB
fsr-3223	30	7	no	no	DET
fsr-3223	30	8	one	one	NUM
fsr-3223	30	9	-	-	PUNCT
fsr-3223	30	10	size	size	NOUN
fsr-3223	30	11	-	-	PUNCT
fsr-3223	30	12	fits	fit	VERB
fsr-3223	30	13	all	all	DET
fsr-3223	30	14	tdf	tdf	PROPN
fsr-3223	30	15	,	,	PUNCT
fsr-3223	30	16	the	the	DET
fsr-3223	30	17	investor	investor	NOUN
fsr-3223	30	18	should	should	AUX
fsr-3223	30	19	select	select	VERB
fsr-3223	30	20	such	such	ADJ
fsr-3223	30	21	funds	fund	NOUN
fsr-3223	30	22	based	base	VERB
fsr-3223	30	23	on	on	ADP
fsr-3223	30	24	their	their	PRON
fsr-3223	30	25	risk	risk	NOUN
fsr-3223	30	26	tolerance	tolerance	NOUN
fsr-3223	30	27	.	.	PUNCT
fsr-3223	31	1	for	for	ADP
fsr-3223	31	2	the	the	DET
fsr-3223	31	3	purposes	purpose	NOUN
fsr-3223	31	4	of	of	ADP
fsr-3223	31	5	this	this	DET
fsr-3223	31	6	paper	paper	NOUN
fsr-3223	31	7	,	,	PUNCT
fsr-3223	31	8	the	the	DET
fsr-3223	31	9	term	term	NOUN
fsr-3223	31	10	“	"	PUNCT
fsr-3223	31	11	target	target	NOUN
fsr-3223	31	12	date	date	NOUN
fsr-3223	31	13	fund	fund	NOUN
fsr-3223	31	14	”	"	PUNCT
fsr-3223	31	15	is	be	AUX
fsr-3223	31	16	used	use	VERB
fsr-3223	31	17	to	to	PART
fsr-3223	31	18	designate	designate	VERB
fsr-3223	31	19	a	a	DET
fsr-3223	31	20	broad	broad	ADJ
fsr-3223	31	21	class	class	NOUN
fsr-3223	31	22	of	of	ADP
fsr-3223	31	23	open	open	ADJ
fsr-3223	31	24	-	-	PUNCT
fsr-3223	31	25	end	end	NOUN
fsr-3223	31	26	mutual	mutual	ADJ
fsr-3223	31	27	funds	fund	NOUN
fsr-3223	31	28	and	and	CCONJ
fsr-3223	31	29	exchange	exchange	NOUN
fsr-3223	31	30	traded	trade	VERB
fsr-3223	31	31	funds	fund	NOUN
fsr-3223	31	32	(	(	PUNCT
fsr-3223	31	33	etfs	etfs	PROPN
fsr-3223	31	34	)	)	PUNCT
fsr-3223	31	35	that	that	PRON
fsr-3223	31	36	include	include	VERB
fsr-3223	31	37	both	both	DET
fsr-3223	31	38	target	target	NOUN
fsr-3223	31	39	date	date	NOUN
fsr-3223	31	40	and	and	CCONJ
fsr-3223	31	41	lifestyle	lifestyle	NOUN
fsr-3223	31	42	funds	fund	NOUN
fsr-3223	31	43	.	.	PUNCT
fsr-3223	32	1	the	the	DET
fsr-3223	32	2	appeal	appeal	NOUN
fsr-3223	32	3	of	of	ADP
fsr-3223	32	4	a	a	DET
fsr-3223	32	5	target	target	NOUN
fsr-3223	32	6	-	-	PUNCT
fsr-3223	32	7	date	date	NOUN
fsr-3223	32	8	mutual	mutual	ADJ
fsr-3223	32	9	fund	fund	NOUN
fsr-3223	32	10	lies	lie	VERB
fsr-3223	32	11	in	in	ADP
fsr-3223	32	12	the	the	DET
fsr-3223	32	13	convenience	convenience	NOUN
fsr-3223	32	14	it	it	PRON
fsr-3223	32	15	provides	provide	VERB
fsr-3223	32	16	to	to	ADP
fsr-3223	32	17	the	the	DET
fsr-3223	32	18	investor	investor	NOUN
fsr-3223	32	19	.	.	PUNCT
fsr-3223	33	1	she	she	PRON
fsr-3223	33	2	does	do	AUX
fsr-3223	33	3	not	not	PART
fsr-3223	33	4	have	have	VERB
fsr-3223	33	5	to	to	PART
fsr-3223	33	6	monitor	monitor	VERB
fsr-3223	33	7	,	,	PUNCT
fsr-3223	33	8	and	and	CCONJ
fsr-3223	33	9	periodically	periodically	ADV
fsr-3223	33	10	alter	alter	VERB
fsr-3223	33	11	the	the	DET
fsr-3223	33	12	asset	asset	NOUN
fsr-3223	33	13	allocation	allocation	NOUN
fsr-3223	33	14	because	because	SCONJ
fsr-3223	33	15	of	of	ADP
fsr-3223	33	16	passage	passage	NOUN
fsr-3223	33	17	of	of	ADP
fsr-3223	33	18	time	time	NOUN
fsr-3223	33	19	.	.	PUNCT
fsr-3223	34	1	in	in	ADP
fsr-3223	34	2	most	most	ADJ
fsr-3223	34	3	cases	case	NOUN
fsr-3223	34	4	,	,	PUNCT
fsr-3223	34	5	the	the	DET
fsr-3223	34	6	fund	fund	NOUN
fsr-3223	34	7	mandate	mandate	NOUN
fsr-3223	34	8	automatically	automatically	ADV
fsr-3223	34	9	provides	provide	VERB
fsr-3223	34	10	for	for	ADP
fsr-3223	34	11	that	that	PRON
fsr-3223	34	12	.	.	PUNCT
fsr-3223	35	1	based	base	VERB
fsr-3223	35	2	on	on	ADP
fsr-3223	35	3	the	the	DET
fsr-3223	35	4	chosen	choose	VERB
fsr-3223	35	5	retirement	retirement	NOUN
fsr-3223	35	6	age	age	NOUN
fsr-3223	35	7	,	,	PUNCT
fsr-3223	35	8	the	the	DET
fsr-3223	35	9	fund	fund	NOUN
fsr-3223	35	10	manager	manager	NOUN
fsr-3223	35	11	allocates	allocate	VERB
fsr-3223	35	12	the	the	DET
fsr-3223	35	13	funds	fund	NOUN
fsr-3223	35	14	to	to	ADP
fsr-3223	35	15	a	a	DET
fsr-3223	35	16	predetermined	predetermine	VERB
fsr-3223	35	17	allocation	allocation	NOUN
fsr-3223	35	18	schedule	schedule	NOUN
fsr-3223	35	19	;	;	PUNCT
fsr-3223	35	20	say	say	VERB
fsr-3223	35	21	85	85	NUM
fsr-3223	35	22	%	%	NOUN
fsr-3223	35	23	stocks	stock	NOUN
fsr-3223	35	24	and	and	CCONJ
fsr-3223	35	25	15	15	NUM
fsr-3223	35	26	%	%	NOUN
fsr-3223	35	27	fixed	fix	VERB
fsr-3223	35	28	income	income	NOUN
fsr-3223	35	29	initially	initially	ADV
fsr-3223	35	30	when	when	SCONJ
fsr-3223	35	31	the	the	DET
fsr-3223	35	32	investor	investor	NOUN
fsr-3223	35	33	is	be	AUX
fsr-3223	35	34	young	young	ADJ
fsr-3223	35	35	.	.	PUNCT
fsr-3223	36	1	this	this	DET
fsr-3223	36	2	allocation	allocation	NOUN
fsr-3223	36	3	may	may	AUX
fsr-3223	36	4	eventually	eventually	ADV
fsr-3223	36	5	reverse	reverse	VERB
fsr-3223	36	6	to	to	ADP
fsr-3223	36	7	15	15	NUM
fsr-3223	36	8	%	%	NOUN
fsr-3223	36	9	stocks	stock	NOUN
fsr-3223	36	10	and	and	CCONJ
fsr-3223	36	11	85	85	NUM
fsr-3223	36	12	%	%	NOUN
fsr-3223	36	13	fixed	fix	VERB
fsr-3223	36	14	income	income	NOUN
fsr-3223	36	15	closer	close	ADV
fsr-3223	36	16	to	to	ADP
fsr-3223	36	17	the	the	DET
fsr-3223	36	18	“	"	PUNCT
fsr-3223	36	19	target	target	NOUN
fsr-3223	36	20	date	date	NOUN
fsr-3223	36	21	.	.	PUNCT
fsr-3223	36	22	”	"	PUNCT
fsr-3223	37	1	this	this	DET
fsr-3223	37	2	change	change	NOUN
fsr-3223	37	3	in	in	ADP
fsr-3223	37	4	asset	asset	NOUN
fsr-3223	37	5	allocation	allocation	NOUN
fsr-3223	37	6	that	that	PRON
fsr-3223	37	7	occurs	occur	VERB
fsr-3223	37	8	over	over	ADP
fsr-3223	37	9	many	many	ADJ
fsr-3223	37	10	years	year	NOUN
fsr-3223	37	11	is	be	AUX
fsr-3223	37	12	commonly	commonly	ADV
fsr-3223	37	13	referred	refer	VERB
fsr-3223	37	14	to	to	ADP
fsr-3223	37	15	as	as	ADP
fsr-3223	37	16	the	the	DET
fsr-3223	37	17	fund	fund	NOUN
fsr-3223	37	18	’s	’s	PART
fsr-3223	37	19	“	"	PUNCT
fsr-3223	37	20	glide	glide	ADJ
fsr-3223	37	21	path	path	NOUN
fsr-3223	37	22	.	.	PUNCT
fsr-3223	37	23	”	"	PUNCT
fsr-3223	38	1	the	the	DET
fsr-3223	38	2	vanguard	vanguard	PROPN
fsr-3223	38	3	target	target	PROPN
fsr-3223	38	4	retirement	retirement	NOUN
fsr-3223	38	5	fund	fund	NOUN
fsr-3223	38	6	2055	2055	NUM
fsr-3223	38	7	(	(	PUNCT
fsr-3223	38	8	ticker	ticker	NOUN
fsr-3223	38	9	:	:	PUNCT
fsr-3223	38	10	vffvx	vffvx	PROPN
fsr-3223	38	11	)	)	PUNCT
fsr-3223	38	12	,	,	PUNCT
fsr-3223	38	13	is	be	AUX
fsr-3223	38	14	provided	provide	VERB
fsr-3223	38	15	as	as	ADP
fsr-3223	38	16	an	an	DET
fsr-3223	38	17	example	example	NOUN
fsr-3223	38	18	.	.	PUNCT
fsr-3223	39	1	the	the	DET
fsr-3223	39	2	2055	2055	NUM
fsr-3223	39	3	in	in	ADP
fsr-3223	39	4	the	the	DET
fsr-3223	39	5	fund	fund	NOUN
fsr-3223	39	6	name	name	NOUN
fsr-3223	39	7	indicates	indicate	VERB
fsr-3223	39	8	the	the	DET
fsr-3223	39	9	anticipated	anticipated	ADJ
fsr-3223	39	10	retirement	retirement	NOUN
fsr-3223	39	11	year	year	NOUN
fsr-3223	39	12	for	for	ADP
fsr-3223	39	13	the	the	DET
fsr-3223	39	14	investor	investor	NOUN
fsr-3223	39	15	.	.	PUNCT
fsr-3223	40	1	in	in	ADP
fsr-3223	40	2	2015	2015	NUM
fsr-3223	40	3	,	,	PUNCT
fsr-3223	40	4	this	this	DET
fsr-3223	40	5	fund	fund	NOUN
fsr-3223	40	6	is	be	AUX
fsr-3223	40	7	recommended	recommend	VERB
fsr-3223	40	8	for	for	ADP
fsr-3223	40	9	a	a	DET
fsr-3223	40	10	30	30	NUM
fsr-3223	40	11	-	-	PUNCT
fsr-3223	40	12	year	year	NOUN
fsr-3223	40	13	old	old	ADJ
fsr-3223	40	14	anticipating	anticipating	NOUN
fsr-3223	40	15	retirement	retirement	NOUN
fsr-3223	40	16	at	at	ADP
fsr-3223	40	17	age	age	NOUN
fsr-3223	40	18	70	70	NUM
fsr-3223	40	19	or	or	CCONJ
fsr-3223	40	20	a	a	DET
fsr-3223	40	21	25	25	NUM
fsr-3223	40	22	-	-	PUNCT
fsr-3223	40	23	year	year	NOUN
fsr-3223	40	24	old	old	ADJ
fsr-3223	40	25	anticipating	anticipating	NOUN
fsr-3223	40	26	retirement	retirement	NOUN
fsr-3223	40	27	at	at	ADP
fsr-3223	40	28	age	age	NOUN
fsr-3223	40	29	65	65	NUM
fsr-3223	40	30	.	.	PUNCT
fsr-3223	41	1	based	base	VERB
fsr-3223	41	2	on	on	ADP
fsr-3223	41	3	the	the	DET
fsr-3223	41	4	fund	fund	NOUN
fsr-3223	41	5	’s	’s	PART
fsr-3223	41	6	glide	glide	PROPN
fsr-3223	41	7	path	path	NOUN
fsr-3223	41	8	,	,	PUNCT
fsr-3223	41	9	the	the	DET
fsr-3223	41	10	initial	initial	ADJ
fsr-3223	41	11	asset	asset	NOUN
fsr-3223	41	12	allocation	allocation	NOUN
fsr-3223	41	13	is	be	AUX
fsr-3223	41	14	quite	quite	ADV
fsr-3223	41	15	aggressive	aggressive	ADJ
fsr-3223	41	16	,	,	PUNCT
fsr-3223	41	17	with	with	ADP
fsr-3223	41	18	up	up	ADP
fsr-3223	41	19	to	to	PART
fsr-3223	41	20	90	90	NUM
fsr-3223	41	21	%	%	NOUN
fsr-3223	41	22	in	in	ADP
fsr-3223	41	23	equity	equity	NOUN
fsr-3223	41	24	securities	security	NOUN
fsr-3223	41	25	.	.	PUNCT
fsr-3223	42	1	according	accord	VERB
fsr-3223	42	2	to	to	ADP
fsr-3223	42	3	vanguard	vanguard	NOUN
fsr-3223	42	4	,	,	PUNCT
fsr-3223	42	5	this	this	PRON
fsr-3223	42	6	becomes	become	VERB
fsr-3223	42	7	“	"	PUNCT
fsr-3223	42	8	more	more	ADV
fsr-3223	42	9	conservative	conservative	ADJ
fsr-3223	42	10	over	over	ADP
fsr-3223	42	11	time	time	NOUN
fsr-3223	42	12	,	,	PUNCT
fsr-3223	42	13	meaning	mean	VERB
fsr-3223	42	14	that	that	SCONJ
fsr-3223	42	15	the	the	DET
fsr-3223	42	16	percentage	percentage	NOUN
fsr-3223	42	17	of	of	ADP
fsr-3223	42	18	assets	asset	NOUN
fsr-3223	42	19	allocated	allocate	VERB
fsr-3223	42	20	to	to	ADP
fsr-3223	42	21	stocks	stock	NOUN
fsr-3223	42	22	will	will	AUX
fsr-3223	42	23	decrease	decrease	VERB
fsr-3223	42	24	while	while	SCONJ
fsr-3223	42	25	the	the	DET
fsr-3223	42	26	percentage	percentage	NOUN
fsr-3223	42	27	of	of	ADP
fsr-3223	42	28	assets	asset	NOUN
fsr-3223	42	29	allocated	allocate	VERB
fsr-3223	42	30	to	to	ADP
fsr-3223	42	31	bonds	bond	NOUN
fsr-3223	42	32	and	and	CCONJ
fsr-3223	42	33	other	other	ADJ
fsr-3223	42	34	fixed	fix	VERB
fsr-3223	42	35	income	income	NOUN
fsr-3223	42	36	investments	investment	NOUN
fsr-3223	42	37	will	will	AUX
fsr-3223	42	38	increase	increase	VERB
fsr-3223	42	39	.	.	PUNCT
fsr-3223	42	40	”	"	PUNCT
fsr-3223	43	1	after	after	ADP
fsr-3223	43	2	the	the	DET
fsr-3223	43	3	year	year	NOUN
fsr-3223	43	4	2055	2055	NUM
fsr-3223	43	5	,	,	PUNCT
fsr-3223	43	6	the	the	DET
fsr-3223	43	7	fund	fund	NOUN
fsr-3223	43	8	will	will	AUX
fsr-3223	43	9	mimic	mimic	VERB
fsr-3223	43	10	the	the	DET
fsr-3223	43	11	allocation	allocation	NOUN
fsr-3223	43	12	of	of	ADP
fsr-3223	43	13	vanguard	vanguard	PROPN
fsr-3223	43	14	target	target	PROPN
fsr-3223	43	15	retirement	retirement	PROPN
fsr-3223	43	16	income	income	NOUN
fsr-3223	43	17	fund	fund	NOUN
fsr-3223	43	18	(	(	PUNCT
fsr-3223	43	19	ticker	ticker	NOUN
fsr-3223	43	20	:	:	PUNCT
fsr-3223	43	21	vtinx	vtinx	NOUN
fsr-3223	43	22	)	)	PUNCT
fsr-3223	43	23	,	,	PUNCT
fsr-3223	43	24	another	another	DET
fsr-3223	43	25	fund	fund	NOUN
fsr-3223	43	26	in	in	ADP
fsr-3223	43	27	the	the	DET
fsr-3223	43	28	vanguard	vanguard	NOUN
fsr-3223	43	29	funds	funds	PROPN
fsr-3223	43	30	family	family	NOUN
fsr-3223	43	31	.	.	PUNCT
fsr-3223	44	1	for	for	ADP
fsr-3223	44	2	a	a	DET
fsr-3223	44	3	comparison	comparison	NOUN
fsr-3223	44	4	of	of	ADP
fsr-3223	44	5	the	the	DET
fsr-3223	44	6	two	two	NUM
fsr-3223	44	7	funds	fund	NOUN
fsr-3223	44	8	,	,	PUNCT
fsr-3223	44	9	the	the	DET
fsr-3223	44	10	reader	reader	NOUN
fsr-3223	44	11	is	be	AUX
fsr-3223	44	12	referred	refer	VERB
fsr-3223	44	13	to	to	ADP
fsr-3223	44	14	table	table	NOUN
fsr-3223	44	15	1	1	NUM
fsr-3223	44	16	(	(	PUNCT
fsr-3223	44	17	vanguard	vanguard	NOUN
fsr-3223	44	18	group	group	NOUN
fsr-3223	44	19	[	[	X
fsr-3223	44	20	2015	2015	NUM
fsr-3223	44	21	]	]	PUNCT
fsr-3223	44	22	)	)	PUNCT
fsr-3223	44	23	.	.	PUNCT
fsr-3223	45	1	the	the	DET
fsr-3223	45	2	glide	glide	ADJ
fsr-3223	45	3	path	path	NOUN
fsr-3223	45	4	of	of	ADP
fsr-3223	45	5	the	the	DET
fsr-3223	45	6	vanguard	vanguard	PROPN
fsr-3223	45	7	target	target	PROPN
fsr-3223	45	8	retirement	retirement	NOUN
fsr-3223	45	9	funds	fund	NOUN
fsr-3223	45	10	is	be	AUX
fsr-3223	45	11	shown	show	VERB
fsr-3223	45	12	in	in	ADP
fsr-3223	45	13	fig	fig	NOUN
fsr-3223	45	14	.	.	PUNCT
fsr-3223	46	1	1	1	X
fsr-3223	46	2	.	.	X
fsr-3223	46	3	as	as	SCONJ
fsr-3223	46	4	expected	expect	VERB
fsr-3223	46	5	,	,	PUNCT
fsr-3223	46	6	the	the	DET
fsr-3223	46	7	glide	glide	ADJ
fsr-3223	46	8	path	path	NOUN
fsr-3223	46	9	of	of	ADP
fsr-3223	46	10	the	the	DET
fsr-3223	46	11	fund	fund	NOUN
fsr-3223	46	12	becomes	become	VERB
fsr-3223	46	13	more	more	ADV
fsr-3223	46	14	conservative	conservative	ADJ
fsr-3223	46	15	as	as	ADP
fsr-3223	46	16	the	the	DET
fsr-3223	46	17	target	target	NOUN
fsr-3223	46	18	date	date	NOUN
fsr-3223	46	19	approaches	approach	NOUN
fsr-3223	46	20	.	.	PUNCT
fsr-3223	47	1	based	base	VERB
fsr-3223	47	2	236	236	NUM
fsr-3223	47	3	s.	s.	PROPN
fsr-3223	47	4	singh	singh	PROPN
fsr-3223	47	5	/	/	SYM
fsr-3223	47	6	financial	financial	ADJ
fsr-3223	47	7	services	service	NOUN
fsr-3223	47	8	review	review	AUX
fsr-3223	47	9	25	25	NUM
fsr-3223	47	10	(	(	PUNCT
fsr-3223	47	11	2016	2016	NUM
fsr-3223	47	12	)	)	PUNCT
fsr-3223	47	13	235–262	235–262	NUM
fsr-3223	47	14	on	on	ADP
fsr-3223	47	15	the	the	DET
fsr-3223	47	16	fund	fund	NOUN
fsr-3223	47	17	’s	’s	PART
fsr-3223	47	18	prospectus	prospectus	NOUN
fsr-3223	47	19	the	the	DET
fsr-3223	47	20	manager	manager	NOUN
fsr-3223	47	21	of	of	ADP
fsr-3223	47	22	the	the	DET
fsr-3223	47	23	fund	fund	NOUN
fsr-3223	47	24	has	have	VERB
fsr-3223	47	25	significant	significant	ADJ
fsr-3223	47	26	discretion	discretion	NOUN
fsr-3223	47	27	in	in	ADP
fsr-3223	47	28	the	the	DET
fsr-3223	47	29	asset	asset	NOUN
fsr-3223	47	30	allocation	allocation	NOUN
fsr-3223	47	31	decision	decision	NOUN
fsr-3223	47	32	.	.	PUNCT
fsr-3223	48	1	for	for	ADP
fsr-3223	48	2	example	example	NOUN
fsr-3223	48	3	,	,	PUNCT
fsr-3223	48	4	while	while	SCONJ
fsr-3223	48	5	the	the	DET
fsr-3223	48	6	allocation	allocation	NOUN
fsr-3223	48	7	to	to	ADP
fsr-3223	48	8	equities	equity	NOUN
fsr-3223	48	9	is	be	AUX
fsr-3223	48	10	required	require	VERB
fsr-3223	48	11	to	to	PART
fsr-3223	48	12	diminish	diminish	VERB
fsr-3223	48	13	from	from	ADP
fsr-3223	48	14	90	90	NUM
fsr-3223	48	15	%	%	NOUN
fsr-3223	48	16	to	to	PART
fsr-3223	48	17	30	30	NUM
fsr-3223	48	18	%	%	NOUN
fsr-3223	48	19	by	by	ADP
fsr-3223	48	20	the	the	DET
fsr-3223	48	21	retirement	retirement	NOUN
fsr-3223	48	22	date	date	NOUN
fsr-3223	48	23	,	,	PUNCT
fsr-3223	48	24	the	the	DET
fsr-3223	48	25	manager	manager	NOUN
fsr-3223	48	26	has	have	VERB
fsr-3223	48	27	discretion	discretion	NOUN
fsr-3223	48	28	of	of	ADP
fsr-3223	48	29	plus	plus	CCONJ
fsr-3223	48	30	or	or	CCONJ
fsr-3223	48	31	minus	minus	CCONJ
fsr-3223	48	32	seven	seven	NUM
fsr-3223	48	33	years	year	NOUN
fsr-3223	48	34	around	around	ADP
fsr-3223	48	35	the	the	DET
fsr-3223	48	36	target	target	NOUN
fsr-3223	48	37	date	date	NOUN
fsr-3223	48	38	to	to	PART
fsr-3223	48	39	accomplish	accomplish	VERB
fsr-3223	48	40	that	that	PRON
fsr-3223	48	41	.	.	PUNCT
fsr-3223	49	1	such	such	ADJ
fsr-3223	49	2	discretion	discretion	NOUN
fsr-3223	49	3	may	may	AUX
fsr-3223	49	4	not	not	PART
fsr-3223	49	5	be	be	AUX
fsr-3223	49	6	the	the	DET
fsr-3223	49	7	case	case	NOUN
fsr-3223	49	8	for	for	ADP
fsr-3223	49	9	all	all	DET
fsr-3223	49	10	target	target	NOUN
fsr-3223	49	11	date	date	NOUN
fsr-3223	49	12	mutual	mutual	ADJ
fsr-3223	49	13	funds	fund	NOUN
fsr-3223	49	14	.	.	PUNCT
fsr-3223	50	1	many	many	ADJ
fsr-3223	50	2	have	have	VERB
fsr-3223	50	3	a	a	DET
fsr-3223	50	4	more	more	ADV
fsr-3223	50	5	rigid	rigid	ADJ
fsr-3223	50	6	timetable	timetable	NOUN
fsr-3223	50	7	for	for	ADP
fsr-3223	50	8	asset	asset	NOUN
fsr-3223	50	9	allocation	allocation	NOUN
fsr-3223	50	10	change	change	NOUN
fsr-3223	50	11	.	.	PUNCT
fsr-3223	51	1	there	there	PRON
fsr-3223	51	2	are	be	VERB
fsr-3223	51	3	multiple	multiple	ADJ
fsr-3223	51	4	approaches	approach	NOUN
fsr-3223	51	5	to	to	ADP
fsr-3223	51	6	designing	design	VERB
fsr-3223	51	7	tdfs	tdfs	NOUN
fsr-3223	51	8	with	with	ADP
fsr-3223	51	9	each	each	DET
fsr-3223	51	10	fund	fund	NOUN
fsr-3223	51	11	family	family	NOUN
fsr-3223	51	12	emphasizing	emphasize	VERB
fsr-3223	51	13	their	their	PRON
fsr-3223	51	14	approach	approach	NOUN
fsr-3223	51	15	as	as	ADP
fsr-3223	51	16	superior	superior	ADJ
fsr-3223	51	17	,	,	PUNCT
fsr-3223	51	18	perhaps	perhaps	ADV
fsr-3223	51	19	in	in	ADP
fsr-3223	51	20	the	the	DET
fsr-3223	51	21	pursuit	pursuit	NOUN
fsr-3223	51	22	of	of	ADP
fsr-3223	51	23	market	market	NOUN
fsr-3223	51	24	share	share	NOUN
fsr-3223	51	25	.	.	PUNCT
fsr-3223	52	1	some	some	DET
fsr-3223	52	2	families	family	NOUN
fsr-3223	52	3	use	use	VERB
fsr-3223	52	4	index	index	NOUN
fsr-3223	52	5	funds	fund	NOUN
fsr-3223	52	6	in	in	ADP
fsr-3223	52	7	the	the	DET
fsr-3223	52	8	lineup	lineup	NOUN
fsr-3223	52	9	of	of	ADP
fsr-3223	52	10	tdfs	tdfs	NOUN
fsr-3223	52	11	while	while	SCONJ
fsr-3223	52	12	others	other	NOUN
fsr-3223	52	13	rely	rely	VERB
fsr-3223	52	14	on	on	ADP
fsr-3223	52	15	actively	actively	ADV
fsr-3223	52	16	managed	manage	VERB
fsr-3223	52	17	ones	one	NOUN
fsr-3223	52	18	.	.	PUNCT
fsr-3223	53	1	some	some	PRON
fsr-3223	53	2	have	have	VERB
fsr-3223	53	3	rigid	rigid	ADJ
fsr-3223	53	4	or	or	CCONJ
fsr-3223	53	5	semi	semi	ADJ
fsr-3223	53	6	-	-	ADJ
fsr-3223	53	7	rigid	rigid	ADJ
fsr-3223	53	8	asset	asset	NOUN
fsr-3223	53	9	allocations	allocation	NOUN
fsr-3223	53	10	while	while	SCONJ
fsr-3223	53	11	others	other	NOUN
fsr-3223	53	12	provide	provide	VERB
fsr-3223	53	13	their	their	PRON
fsr-3223	53	14	managers	manager	NOUN
fsr-3223	53	15	with	with	ADP
fsr-3223	53	16	broader	broad	ADJ
fsr-3223	53	17	latitude	latitude	NOUN
fsr-3223	53	18	in	in	ADP
fsr-3223	53	19	such	such	ADJ
fsr-3223	53	20	decisions	decision	NOUN
fsr-3223	53	21	.	.	PUNCT
fsr-3223	54	1	the	the	DET
fsr-3223	54	2	wide	wide	ADJ
fsr-3223	54	3	range	range	NOUN
fsr-3223	54	4	of	of	ADP
fsr-3223	54	5	design	design	NOUN
fsr-3223	54	6	approaches	approach	NOUN
fsr-3223	54	7	can	can	AUX
fsr-3223	54	8	be	be	AUX
fsr-3223	54	9	illustrated	illustrate	VERB
fsr-3223	54	10	by	by	ADP
fsr-3223	54	11	comparing	compare	VERB
fsr-3223	54	12	the	the	DET
fsr-3223	54	13	vantable	vantable	ADJ
fsr-3223	54	14	1	1	NUM
fsr-3223	54	15	comparative	comparative	ADJ
fsr-3223	54	16	information	information	NOUN
fsr-3223	54	17	on	on	ADP
fsr-3223	54	18	vanguard	vanguard	PROPN
fsr-3223	54	19	target	target	PROPN
fsr-3223	54	20	retirement	retirement	NOUN
fsr-3223	54	21	fund	fund	NOUN
fsr-3223	54	22	2055	2055	NUM
fsr-3223	54	23	and	and	CCONJ
fsr-3223	54	24	target	target	VERB
fsr-3223	54	25	retirement	retirement	NOUN
fsr-3223	54	26	income	income	NOUN
fsr-3223	54	27	funda	funda	PROPN
fsr-3223	54	28	composition	composition	NOUN
fsr-3223	54	29	of	of	ADP
fsr-3223	54	30	funds	fund	NOUN
fsr-3223	54	31	vanguard	vanguard	PROPN
fsr-3223	54	32	target	target	PROPN
fsr-3223	54	33	retirement	retirement	NOUN
fsr-3223	54	34	2055	2055	NUM
fsr-3223	54	35	fund	fund	NOUN
fsr-3223	54	36	vanguard	vanguard	PROPN
fsr-3223	54	37	target	target	PROPN
fsr-3223	54	38	retirement	retirement	PROPN
fsr-3223	54	39	income	income	PROPN
fsr-3223	54	40	fund	fund	PROPN
fsr-3223	54	41	ticker	ticker	PROPN
fsr-3223	54	42	vvfvx	vvfvx	VERB
fsr-3223	54	43	vtinx	vtinx	NOUN
fsr-3223	54	44	assets	asset	NOUN
fsr-3223	54	45	under	under	ADP
fsr-3223	54	46	management	management	NOUN
fsr-3223	54	47	$	$	SYM
fsr-3223	54	48	1.67	1.67	NUM
fsr-3223	54	49	billion	billion	NUM
fsr-3223	54	50	$	$	SYM
fsr-3223	54	51	11.21	11.21	NUM
fsr-3223	54	52	billion	billion	NUM
fsr-3223	54	53	target	target	NOUN
fsr-3223	54	54	equity	equity	NOUN
fsr-3223	54	55	90	90	NUM
fsr-3223	54	56	%	%	NOUN
fsr-3223	54	57	30	30	NUM
fsr-3223	54	58	%	%	NOUN
fsr-3223	54	59	target	target	NOUN
fsr-3223	54	60	fixed	fix	VERB
fsr-3223	54	61	income	income	NOUN
fsr-3223	54	62	and	and	CCONJ
fsr-3223	54	63	cash	cash	NOUN
fsr-3223	54	64	10	10	NUM
fsr-3223	54	65	%	%	NOUN
fsr-3223	54	66	70	70	NUM
fsr-3223	54	67	%	%	NOUN
fsr-3223	54	68	acquired	acquire	VERB
fsr-3223	54	69	fund	fund	NOUN
fsr-3223	54	70	fees	fee	NOUN
fsr-3223	54	71	and	and	CCONJ
fsr-3223	54	72	expenses	expense	NOUN
fsr-3223	54	73	0.18	0.18	NUM
fsr-3223	54	74	%	%	NOUN
fsr-3223	54	75	0.16	0.16	NUM
fsr-3223	54	76	%	%	NOUN
fsr-3223	54	77	asset	asset	NOUN
fsr-3223	54	78	allocations	allocation	NOUN
fsr-3223	54	79	as	as	ADP
fsr-3223	54	80	of	of	ADP
fsr-3223	54	81	9/30/2014	9/30/2014	NUM
fsr-3223	54	82	total	total	ADJ
fsr-3223	54	83	stock	stock	NOUN
fsr-3223	54	84	market	market	NOUN
fsr-3223	54	85	index	index	NOUN
fsr-3223	54	86	63.0	63.0	NUM
fsr-3223	54	87	%	%	NOUN
fsr-3223	54	88	21.1	21.1	NUM
fsr-3223	54	89	%	%	NOUN
fsr-3223	54	90	total	total	ADJ
fsr-3223	54	91	international	international	ADJ
fsr-3223	54	92	stock	stock	NOUN
fsr-3223	54	93	market	market	NOUN
fsr-3223	54	94	index	index	NOUN
fsr-3223	54	95	27.0	27.0	NUM
fsr-3223	54	96	%	%	NOUN
fsr-3223	54	97	8.8	8.8	NUM
fsr-3223	54	98	%	%	NOUN
fsr-3223	54	99	total	total	NOUN
fsr-3223	54	100	bond	bond	NOUN
fsr-3223	54	101	market	market	NOUN
fsr-3223	54	102	ii	ii	PROPN
fsr-3223	54	103	index	index	NOUN
fsr-3223	54	104	8.0	8.0	NUM
fsr-3223	54	105	%	%	NOUN
fsr-3223	54	106	39.3	39.3	NUM
fsr-3223	54	107	%	%	NOUN
fsr-3223	54	108	total	total	ADJ
fsr-3223	54	109	international	international	ADJ
fsr-3223	54	110	bond	bond	NOUN
fsr-3223	54	111	index	index	NOUN
fsr-3223	54	112	fund	fund	NOUN
fsr-3223	54	113	2.00	2.00	NUM
fsr-3223	54	114	%	%	NOUN
fsr-3223	54	115	14.0	14.0	NUM
fsr-3223	54	116	%	%	NOUN
fsr-3223	54	117	short	short	ADJ
fsr-3223	54	118	-	-	PUNCT
fsr-3223	54	119	term	term	NOUN
fsr-3223	54	120	inflation	inflation	NOUN
fsr-3223	54	121	-	-	PUNCT
fsr-3223	54	122	protected	protect	VERB
fsr-3223	54	123	securities	security	NOUN
fsr-3223	54	124	0.0	0.0	NUM
fsr-3223	54	125	%	%	NOUN
fsr-3223	54	126	16.8	16.8	NUM
fsr-3223	54	127	%	%	NOUN
fsr-3223	54	128	note	note	NOUN
fsr-3223	54	129	:	:	PUNCT
fsr-3223	54	130	areported	areporte	VERB
fsr-3223	54	131	for	for	ADP
fsr-3223	54	132	september	september	PROPN
fsr-3223	54	133	30	30	NUM
fsr-3223	54	134	,	,	PUNCT
fsr-3223	54	135	2014	2014	NUM
fsr-3223	54	136	.	.	PUNCT
fsr-3223	55	1	fig	fig	NOUN
fsr-3223	55	2	.	.	PUNCT
fsr-3223	56	1	1	1	X
fsr-3223	56	2	.	.	X
fsr-3223	56	3	an	an	DET
fsr-3223	56	4	illustrative	illustrative	ADJ
fsr-3223	56	5	glide	glide	NOUN
fsr-3223	56	6	path	path	NOUN
fsr-3223	56	7	for	for	ADP
fsr-3223	56	8	vanguard	vanguard	NOUN
fsr-3223	56	9	target	target	PROPN
fsr-3223	56	10	date	date	NOUN
fsr-3223	56	11	fund	fund	NOUN
fsr-3223	56	12	.	.	PUNCT
fsr-3223	57	1	237s	237s	PROPN
fsr-3223	57	2	.	.	PUNCT
fsr-3223	58	1	singh	singh	PROPN
fsr-3223	58	2	/	/	SYM
fsr-3223	58	3	financial	financial	ADJ
fsr-3223	58	4	services	service	NOUN
fsr-3223	58	5	review	review	VERB
fsr-3223	58	6	25	25	NUM
fsr-3223	58	7	(	(	PUNCT
fsr-3223	58	8	2016	2016	NUM
fsr-3223	58	9	)	)	PUNCT
fsr-3223	58	10	235–262	235–262	NUM
fsr-3223	58	11	guard	guard	NOUN
fsr-3223	58	12	funds	fund	NOUN
fsr-3223	58	13	to	to	ADP
fsr-3223	58	14	pimco	pimco	PROPN
fsr-3223	58	15	funds	fund	NOUN
fsr-3223	58	16	.	.	PUNCT
fsr-3223	59	1	pimco	pimco	PROPN
fsr-3223	59	2	tdfs	tdfs	NOUN
fsr-3223	59	3	utilize	utilize	VERB
fsr-3223	59	4	a	a	DET
fsr-3223	59	5	liability	liability	NOUN
fsr-3223	59	6	driven	drive	VERB
fsr-3223	59	7	investing	investing	NOUN
fsr-3223	59	8	(	(	PUNCT
fsr-3223	59	9	ldi	ldi	PROPN
fsr-3223	59	10	)	)	PUNCT
fsr-3223	59	11	approach	approach	NOUN
fsr-3223	59	12	to	to	ADP
fsr-3223	59	13	asset	asset	NOUN
fsr-3223	59	14	allocation	allocation	NOUN
fsr-3223	59	15	changes	change	NOUN
fsr-3223	59	16	.	.	PUNCT
fsr-3223	60	1	the	the	DET
fsr-3223	60	2	design	design	NOUN
fsr-3223	60	3	is	be	AUX
fsr-3223	60	4	motivated	motivate	VERB
fsr-3223	60	5	by	by	ADP
fsr-3223	60	6	the	the	DET
fsr-3223	60	7	goal	goal	NOUN
fsr-3223	60	8	of	of	ADP
fsr-3223	60	9	meeting	meet	VERB
fsr-3223	60	10	inflation	inflation	NOUN
fsr-3223	60	11	-	-	PUNCT
fsr-3223	60	12	adjusted	adjust	VERB
fsr-3223	60	13	withdrawals	withdrawal	NOUN
fsr-3223	60	14	(	(	PUNCT
fsr-3223	60	15	liabilities	liability	NOUN
fsr-3223	60	16	)	)	PUNCT
fsr-3223	60	17	during	during	ADP
fsr-3223	60	18	retirement	retirement	NOUN
fsr-3223	60	19	(	(	PUNCT
fsr-3223	60	20	a	a	DET
fsr-3223	60	21	more	more	ADJ
fsr-3223	60	22	in	in	ADP
fsr-3223	60	23	-	-	PUNCT
fsr-3223	60	24	depth	depth	NOUN
fsr-3223	60	25	discussion	discussion	NOUN
fsr-3223	60	26	on	on	ADP
fsr-3223	60	27	liability	liability	NOUN
fsr-3223	60	28	driven	drive	VERB
fsr-3223	60	29	investing	invest	VERB
fsr-3223	60	30	[	[	X
fsr-3223	60	31	ldi	ldi	X
fsr-3223	60	32	]	]	PUNCT
fsr-3223	60	33	is	be	AUX
fsr-3223	60	34	provided	provide	VERB
fsr-3223	60	35	in	in	ADP
fsr-3223	60	36	a	a	DET
fsr-3223	60	37	later	later	ADJ
fsr-3223	60	38	section	section	NOUN
fsr-3223	60	39	of	of	ADP
fsr-3223	60	40	this	this	DET
fsr-3223	60	41	paper	paper	NOUN
fsr-3223	60	42	)	)	PUNCT
fsr-3223	60	43	.	.	PUNCT
fsr-3223	61	1	fig	fig	NOUN
fsr-3223	61	2	.	.	PUNCT
fsr-3223	62	1	2	2	NUM
fsr-3223	62	2	depicts	depict	VERB
fsr-3223	62	3	the	the	DET
fsr-3223	62	4	glide	glide	ADJ
fsr-3223	62	5	path	path	NOUN
fsr-3223	62	6	of	of	ADP
fsr-3223	62	7	pimco	pimco	PROPN
fsr-3223	62	8	tdfs	tdfs	NOUN
fsr-3223	62	9	.	.	PUNCT
fsr-3223	63	1	the	the	DET
fsr-3223	63	2	wide	wide	ADJ
fsr-3223	63	3	range	range	NOUN
fsr-3223	63	4	of	of	ADP
fsr-3223	63	5	approaches	approach	NOUN
fsr-3223	63	6	to	to	ADP
fsr-3223	63	7	tdf	tdf	PROPN
fsr-3223	63	8	design	design	NOUN
fsr-3223	63	9	is	be	AUX
fsr-3223	63	10	starkly	starkly	ADV
fsr-3223	63	11	contrasted	contrast	VERB
fsr-3223	63	12	by	by	ADP
fsr-3223	63	13	figs	fig	NOUN
fsr-3223	63	14	.	.	PUNCT
fsr-3223	64	1	1	1	NUM
fsr-3223	64	2	and	and	CCONJ
fsr-3223	64	3	2	2	NUM
fsr-3223	64	4	.	.	X
fsr-3223	65	1	the	the	DET
fsr-3223	65	2	key	key	ADJ
fsr-3223	65	3	difference	difference	NOUN
fsr-3223	65	4	that	that	PRON
fsr-3223	65	5	can	can	AUX
fsr-3223	65	6	be	be	AUX
fsr-3223	65	7	observed	observe	VERB
fsr-3223	65	8	is	be	AUX
fsr-3223	65	9	the	the	DET
fsr-3223	65	10	exposure	exposure	NOUN
fsr-3223	65	11	to	to	ADP
fsr-3223	65	12	inflation	inflation	NOUN
fsr-3223	65	13	insensitive	insensitive	ADJ
fsr-3223	65	14	assets	asset	NOUN
fsr-3223	65	15	like	like	ADP
fsr-3223	65	16	tips	tip	NOUN
fsr-3223	65	17	,	,	PUNCT
fsr-3223	65	18	commodities	commodity	NOUN
fsr-3223	65	19	and	and	CCONJ
fsr-3223	65	20	,	,	PUNCT
fsr-3223	65	21	real	real	ADJ
fsr-3223	65	22	estate	estate	NOUN
fsr-3223	65	23	during	during	ADP
fsr-3223	65	24	retirement	retirement	NOUN
fsr-3223	65	25	in	in	ADP
fsr-3223	65	26	the	the	DET
fsr-3223	65	27	two	two	NUM
fsr-3223	65	28	glide	glide	ADJ
fsr-3223	65	29	paths	path	NOUN
fsr-3223	65	30	.	.	PUNCT
fsr-3223	66	1	to	to	ADP
fsr-3223	66	2	the	the	DET
fsr-3223	66	3	best	good	ADJ
fsr-3223	66	4	of	of	ADP
fsr-3223	66	5	my	my	PRON
fsr-3223	66	6	knowledge	knowledge	NOUN
fsr-3223	66	7	,	,	PUNCT
fsr-3223	66	8	this	this	PRON
fsr-3223	66	9	is	be	AUX
fsr-3223	66	10	the	the	DET
fsr-3223	66	11	first	first	ADJ
fsr-3223	66	12	paper	paper	NOUN
fsr-3223	66	13	that	that	PRON
fsr-3223	66	14	provides	provide	VERB
fsr-3223	66	15	a	a	DET
fsr-3223	66	16	comprehensive	comprehensive	ADJ
fsr-3223	66	17	review	review	NOUN
fsr-3223	66	18	and	and	CCONJ
fsr-3223	66	19	evaluation	evaluation	NOUN
fsr-3223	66	20	of	of	ADP
fsr-3223	66	21	the	the	DET
fsr-3223	66	22	body	body	NOUN
fsr-3223	66	23	of	of	ADP
fsr-3223	66	24	knowledge	knowledge	NOUN
fsr-3223	66	25	on	on	ADP
fsr-3223	66	26	tdfs	tdfs	ADJ
fsr-3223	66	27	.	.	PUNCT
fsr-3223	67	1	the	the	DET
fsr-3223	67	2	focus	focus	NOUN
fsr-3223	67	3	of	of	ADP
fsr-3223	67	4	this	this	DET
fsr-3223	67	5	paper	paper	NOUN
fsr-3223	67	6	is	be	AUX
fsr-3223	67	7	four	four	NUM
fsr-3223	67	8	fold	fold	NOUN
fsr-3223	67	9	.	.	PUNCT
fsr-3223	68	1	in	in	ADP
fsr-3223	68	2	the	the	DET
fsr-3223	68	3	first	first	ADJ
fsr-3223	68	4	section	section	NOUN
fsr-3223	68	5	,	,	PUNCT
fsr-3223	68	6	a	a	DET
fsr-3223	68	7	discussion	discussion	NOUN
fsr-3223	68	8	of	of	ADP
fsr-3223	68	9	the	the	DET
fsr-3223	68	10	current	current	ADJ
fsr-3223	68	11	state	state	NOUN
fsr-3223	68	12	of	of	ADP
fsr-3223	68	13	the	the	DET
fsr-3223	68	14	target	target	NOUN
fsr-3223	68	15	date	date	NOUN
fsr-3223	68	16	mutual	mutual	ADJ
fsr-3223	68	17	fund	fund	NOUN
fsr-3223	68	18	market	market	NOUN
fsr-3223	68	19	is	be	AUX
fsr-3223	68	20	provided	provide	VERB
fsr-3223	68	21	.	.	PUNCT
fsr-3223	69	1	the	the	DET
fsr-3223	69	2	discussion	discussion	NOUN
fsr-3223	69	3	includes	include	VERB
fsr-3223	69	4	analysis	analysis	NOUN
fsr-3223	69	5	of	of	ADP
fsr-3223	69	6	factors	factor	NOUN
fsr-3223	69	7	that	that	PRON
fsr-3223	69	8	have	have	AUX
fsr-3223	69	9	aided	aid	VERB
fsr-3223	69	10	in	in	ADP
fsr-3223	69	11	the	the	DET
fsr-3223	69	12	growth	growth	NOUN
fsr-3223	69	13	of	of	ADP
fsr-3223	69	14	this	this	DET
fsr-3223	69	15	segment	segment	NOUN
fsr-3223	69	16	of	of	ADP
fsr-3223	69	17	the	the	DET
fsr-3223	69	18	investment	investment	NOUN
fsr-3223	69	19	companies	company	NOUN
fsr-3223	69	20	market	market	VERB
fsr-3223	69	21	.	.	PUNCT
fsr-3223	70	1	in	in	ADP
fsr-3223	70	2	the	the	DET
fsr-3223	70	3	second	second	ADJ
fsr-3223	70	4	section	section	NOUN
fsr-3223	70	5	,	,	PUNCT
fsr-3223	70	6	a	a	DET
fsr-3223	70	7	discussion	discussion	NOUN
fsr-3223	70	8	of	of	ADP
fsr-3223	70	9	the	the	DET
fsr-3223	70	10	theoretical	theoretical	ADJ
fsr-3223	70	11	basis	basis	NOUN
fsr-3223	70	12	and	and	CCONJ
fsr-3223	70	13	a	a	DET
fsr-3223	70	14	summary	summary	NOUN
fsr-3223	70	15	of	of	ADP
fsr-3223	70	16	varied	varied	ADJ
fsr-3223	70	17	suggestions	suggestion	NOUN
fsr-3223	70	18	for	for	ADP
fsr-3223	70	19	designing	design	VERB
fsr-3223	70	20	glide	glide	NOUN
fsr-3223	70	21	paths	path	NOUN
fsr-3223	70	22	are	be	AUX
fsr-3223	70	23	presented	present	VERB
fsr-3223	70	24	.	.	PUNCT
fsr-3223	71	1	in	in	ADP
fsr-3223	71	2	the	the	DET
fsr-3223	71	3	third	third	ADJ
fsr-3223	71	4	section	section	NOUN
fsr-3223	71	5	performance	performance	NOUN
fsr-3223	71	6	and	and	CCONJ
fsr-3223	71	7	benchmarking	benchmarking	NOUN
fsr-3223	71	8	of	of	ADP
fsr-3223	71	9	these	these	DET
fsr-3223	71	10	funds	fund	NOUN
fsr-3223	71	11	is	be	AUX
fsr-3223	71	12	discussed	discuss	VERB
fsr-3223	71	13	.	.	PUNCT
fsr-3223	72	1	in	in	ADP
fsr-3223	72	2	the	the	DET
fsr-3223	72	3	fourth	fourth	ADJ
fsr-3223	72	4	,	,	PUNCT
fsr-3223	72	5	recommendations	recommendation	NOUN
fsr-3223	72	6	and	and	CCONJ
fsr-3223	72	7	suggestions	suggestion	NOUN
fsr-3223	72	8	for	for	ADP
fsr-3223	72	9	plan	plan	NOUN
fsr-3223	72	10	sponsors	sponsor	NOUN
fsr-3223	72	11	,	,	PUNCT
fsr-3223	72	12	financial	financial	ADJ
fsr-3223	72	13	advisors	advisor	NOUN
fsr-3223	72	14	and	and	CCONJ
fsr-3223	72	15	researchers	researcher	NOUN
fsr-3223	72	16	are	be	AUX
fsr-3223	72	17	made	make	VERB
fsr-3223	72	18	.	.	PUNCT
fsr-3223	73	1	concluding	conclude	VERB
fsr-3223	73	2	remarks	remark	NOUN
fsr-3223	73	3	are	be	AUX
fsr-3223	73	4	provided	provide	VERB
fsr-3223	73	5	in	in	ADP
fsr-3223	73	6	the	the	DET
fsr-3223	73	7	final	final	ADJ
fsr-3223	73	8	section	section	NOUN
fsr-3223	73	9	.	.	PUNCT
fsr-3223	74	1	2	2	X
fsr-3223	74	2	.	.	X
fsr-3223	74	3	the	the	DET
fsr-3223	74	4	tdf	tdf	PROPN
fsr-3223	74	5	market	market	NOUN
fsr-3223	74	6	over	over	ADP
fsr-3223	74	7	the	the	DET
fsr-3223	74	8	10	10	NUM
fsr-3223	74	9	-	-	PUNCT
fsr-3223	74	10	year	year	NOUN
fsr-3223	74	11	period	period	NOUN
fsr-3223	74	12	2005–2014	2005–2014	NUM
fsr-3223	74	13	,	,	PUNCT
fsr-3223	74	14	assets	asset	NOUN
fsr-3223	74	15	under	under	ADP
fsr-3223	74	16	management	management	NOUN
fsr-3223	74	17	in	in	ADP
fsr-3223	74	18	tdfs	tdfs	NOUN
fsr-3223	74	19	have	have	AUX
fsr-3223	74	20	grown	grow	VERB
fsr-3223	74	21	about	about	ADV
fsr-3223	74	22	five	five	NUM
fsr-3223	74	23	-	-	NUM
fsr-3223	74	24	fold	fold	ADV
fsr-3223	74	25	.	.	PUNCT
fsr-3223	75	1	according	accord	VERB
fsr-3223	75	2	to	to	ADP
fsr-3223	75	3	the	the	DET
fsr-3223	75	4	investment	investment	NOUN
fsr-3223	75	5	company	company	NOUN
fsr-3223	75	6	institute	institute	PROPN
fsr-3223	75	7	(	(	PUNCT
fsr-3223	75	8	ici	ici	PROPN
fsr-3223	75	9	)	)	PUNCT
fsr-3223	75	10	,	,	PUNCT
fsr-3223	75	11	investors	investor	NOUN
fsr-3223	75	12	had	have	VERB
fsr-3223	75	13	a	a	DET
fsr-3223	75	14	choice	choice	NOUN
fsr-3223	75	15	of	of	ADP
fsr-3223	75	16	797	797	NUM
fsr-3223	75	17	tdfs	tdfs	NOUN
fsr-3223	75	18	for	for	ADP
fsr-3223	75	19	a	a	DET
fsr-3223	75	20	total	total	NOUN
fsr-3223	75	21	of	of	ADP
fsr-3223	75	22	3,036	3,036	NUM
fsr-3223	75	23	mutual	mutual	ADJ
fsr-3223	75	24	fund	fund	NOUN
fsr-3223	75	25	share	share	NOUN
fsr-3223	75	26	classes	class	NOUN
fsr-3223	75	27	at	at	ADP
fsr-3223	75	28	the	the	DET
fsr-3223	75	29	end	end	NOUN
fsr-3223	75	30	of	of	ADP
fsr-3223	75	31	2014	2014	NUM
fsr-3223	75	32	(	(	PUNCT
fsr-3223	75	33	ici	ici	NOUN
fsr-3223	75	34	[	[	X
fsr-3223	75	35	2015	2015	NUM
fsr-3223	75	36	]	]	PUNCT
fsr-3223	75	37	)	)	PUNCT
fsr-3223	75	38	.	.	PUNCT
fsr-3223	76	1	bauer	bauer	PROPN
fsr-3223	76	2	,	,	PUNCT
fsr-3223	76	3	fig	fig	NOUN
fsr-3223	76	4	.	.	PUNCT
fsr-3223	77	1	2	2	NUM
fsr-3223	77	2	.	.	X
fsr-3223	77	3	glide	glide	NOUN
fsr-3223	77	4	path	path	NOUN
fsr-3223	77	5	of	of	ADP
fsr-3223	77	6	pimco	pimco	PROPN
fsr-3223	77	7	target	target	NOUN
fsr-3223	77	8	-	-	PUNCT
fsr-3223	77	9	date	date	NOUN
fsr-3223	77	10	funds	fund	NOUN
fsr-3223	77	11	.	.	PUNCT
fsr-3223	78	1	238	238	NUM
fsr-3223	78	2	s.	s.	PROPN
fsr-3223	78	3	singh	singh	PROPN
fsr-3223	78	4	/	/	SYM
fsr-3223	78	5	financial	financial	ADJ
fsr-3223	78	6	services	service	NOUN
fsr-3223	78	7	review	review	VERB
fsr-3223	78	8	25	25	NUM
fsr-3223	78	9	(	(	PUNCT
fsr-3223	78	10	2016	2016	NUM
fsr-3223	78	11	)	)	PUNCT
fsr-3223	78	12	235–262	235–262	NUM
fsr-3223	78	13	phillips	phillip	NOUN
fsr-3223	78	14	,	,	PUNCT
fsr-3223	78	15	and	and	CCONJ
fsr-3223	78	16	white	white	ADJ
fsr-3223	78	17	(	(	PUNCT
fsr-3223	78	18	2009	2009	NUM
fsr-3223	78	19	)	)	PUNCT
fsr-3223	78	20	predict	predict	VERB
fsr-3223	78	21	that	that	SCONJ
fsr-3223	78	22	80	80	NUM
fsr-3223	78	23	%	%	NOUN
fsr-3223	78	24	of	of	ADP
fsr-3223	78	25	all	all	DET
fsr-3223	78	26	new	new	ADJ
fsr-3223	78	27	defined	define	VERB
fsr-3223	78	28	contribution	contribution	NOUN
fsr-3223	78	29	plan	plan	NOUN
fsr-3223	78	30	investments	investment	NOUN
fsr-3223	78	31	will	will	AUX
fsr-3223	78	32	go	go	VERB
fsr-3223	78	33	to	to	ADP
fsr-3223	78	34	tdfs	tdfs	VERB
fsr-3223	78	35	and	and	CCONJ
fsr-3223	78	36	the	the	DET
fsr-3223	78	37	target	target	NOUN
fsr-3223	78	38	-	-	PUNCT
fsr-3223	78	39	date	date	NOUN
fsr-3223	78	40	market	market	NOUN
fsr-3223	78	41	will	will	AUX
fsr-3223	78	42	be	be	AUX
fsr-3223	78	43	$	$	SYM
fsr-3223	78	44	2.3	2.3	NUM
fsr-3223	78	45	trillion	trillion	NUM
fsr-3223	78	46	by	by	ADP
fsr-3223	78	47	end	end	NOUN
fsr-3223	78	48	of	of	ADP
fsr-3223	78	49	2018	2018	NUM
fsr-3223	78	50	.	.	PUNCT
fsr-3223	79	1	there	there	PRON
fsr-3223	79	2	are	be	VERB
fsr-3223	79	3	three	three	NUM
fsr-3223	79	4	broad	broad	ADJ
fsr-3223	79	5	factors	factor	NOUN
fsr-3223	79	6	playing	play	VERB
fsr-3223	79	7	a	a	DET
fsr-3223	79	8	role	role	NOUN
fsr-3223	79	9	in	in	ADP
fsr-3223	79	10	the	the	DET
fsr-3223	79	11	remarkable	remarkable	ADJ
fsr-3223	79	12	growth	growth	NOUN
fsr-3223	79	13	of	of	ADP
fsr-3223	79	14	this	this	DET
fsr-3223	79	15	market	market	NOUN
fsr-3223	79	16	namely	namely	ADV
fsr-3223	79	17	,	,	PUNCT
fsr-3223	79	18	the	the	DET
fsr-3223	79	19	regulatory	regulatory	ADJ
fsr-3223	79	20	environment	environment	NOUN
fsr-3223	79	21	,	,	PUNCT
fsr-3223	79	22	demographics	demographic	NOUN
fsr-3223	79	23	,	,	PUNCT
fsr-3223	79	24	and	and	CCONJ
fsr-3223	79	25	investor	investor	NOUN
fsr-3223	79	26	affinity	affinity	NOUN
fsr-3223	79	27	for	for	ADP
fsr-3223	79	28	passive	passive	ADJ
fsr-3223	79	29	investments	investment	NOUN
fsr-3223	79	30	.	.	PUNCT
fsr-3223	80	1	before	before	SCONJ
fsr-3223	80	2	tdfs	tdfs	NOUN
fsr-3223	80	3	became	become	VERB
fsr-3223	80	4	popular	popular	ADJ
fsr-3223	80	5	,	,	PUNCT
fsr-3223	80	6	agnew	agnew	PROPN
fsr-3223	80	7	et	et	PROPN
fsr-3223	80	8	al	al	PROPN
fsr-3223	80	9	.	.	PROPN
fsr-3223	81	1	(	(	PUNCT
fsr-3223	81	2	2003	2003	NUM
fsr-3223	81	3	)	)	PUNCT
fsr-3223	81	4	studied	study	VERB
fsr-3223	81	5	7,000	7,000	NUM
fsr-3223	81	6	accounts	account	NOUN
fsr-3223	81	7	of	of	ADP
fsr-3223	81	8	a	a	DET
fsr-3223	81	9	large	large	ADJ
fsr-3223	81	10	defined	define	VERB
fsr-3223	81	11	contribution	contribution	NOUN
fsr-3223	81	12	plan	plan	NOUN
fsr-3223	81	13	over	over	ADP
fsr-3223	81	14	the	the	DET
fsr-3223	81	15	period	period	NOUN
fsr-3223	81	16	1994	1994	NUM
fsr-3223	81	17	to1998	to1998	ADV
fsr-3223	81	18	.	.	PUNCT
fsr-3223	82	1	they	they	PRON
fsr-3223	82	2	find	find	VERB
fsr-3223	82	3	significant	significant	ADJ
fsr-3223	82	4	participant	participant	ADJ
fsr-3223	82	5	indifference	indifference	NOUN
fsr-3223	82	6	towards	towards	ADP
fsr-3223	82	7	the	the	DET
fsr-3223	82	8	management	management	NOUN
fsr-3223	82	9	of	of	ADP
fsr-3223	82	10	their	their	PRON
fsr-3223	82	11	retirement	retirement	NOUN
fsr-3223	82	12	assets	asset	NOUN
fsr-3223	82	13	.	.	PUNCT
fsr-3223	83	1	most	most	ADJ
fsr-3223	83	2	asset	asset	NOUN
fsr-3223	83	3	allocations	allocation	NOUN
fsr-3223	83	4	are	be	AUX
fsr-3223	83	5	at	at	ADP
fsr-3223	83	6	extremes	extreme	NOUN
fsr-3223	83	7	,	,	PUNCT
fsr-3223	83	8	either	either	CCONJ
fsr-3223	83	9	100	100	NUM
fsr-3223	83	10	%	%	NOUN
fsr-3223	83	11	or	or	CCONJ
fsr-3223	83	12	0	0	NUM
fsr-3223	83	13	%	%	NOUN
fsr-3223	83	14	equities	equity	NOUN
fsr-3223	83	15	.	.	PUNCT
fsr-3223	84	1	they	they	PRON
fsr-3223	84	2	also	also	ADV
fsr-3223	84	3	find	find	VERB
fsr-3223	84	4	“	"	PUNCT
fsr-3223	84	5	very	very	ADV
fsr-3223	84	6	limited	limited	ADJ
fsr-3223	84	7	portfolio	portfolio	NOUN
fsr-3223	84	8	reshuffling	reshuffling	NOUN
fsr-3223	84	9	”	"	PUNCT
fsr-3223	84	10	implying	imply	VERB
fsr-3223	84	11	that	that	DET
fsr-3223	84	12	rebalancing	rebalancing	NOUN
fsr-3223	84	13	of	of	ADP
fsr-3223	84	14	portfolios	portfolio	NOUN
fsr-3223	84	15	is	be	AUX
fsr-3223	84	16	rare	rare	ADJ
fsr-3223	84	17	.	.	PUNCT
fsr-3223	85	1	more	more	ADV
fsr-3223	85	2	alarmingly	alarmingly	ADV
fsr-3223	85	3	,	,	PUNCT
fsr-3223	85	4	in	in	ADP
fsr-3223	85	5	a	a	DET
fsr-3223	85	6	study	study	NOUN
fsr-3223	85	7	of	of	ADP
fsr-3223	85	8	over	over	ADP
fsr-3223	85	9	a	a	DET
fsr-3223	85	10	million	million	NUM
fsr-3223	85	11	retirement	retirement	NOUN
fsr-3223	85	12	accounts	account	NOUN
fsr-3223	85	13	from	from	ADP
fsr-3223	85	14	about	about	ADP
fsr-3223	85	15	1,000	1,000	NUM
fsr-3223	85	16	pension	pension	NOUN
fsr-3223	85	17	plans	plan	NOUN
fsr-3223	85	18	,	,	PUNCT
fsr-3223	85	19	tang	tang	NOUN
fsr-3223	85	20	and	and	CCONJ
fsr-3223	85	21	mitchell	mitchell	PROPN
fsr-3223	85	22	(	(	PUNCT
fsr-3223	85	23	2010	2010	NUM
fsr-3223	85	24	)	)	PUNCT
fsr-3223	85	25	find	find	VERB
fsr-3223	85	26	that	that	SCONJ
fsr-3223	85	27	most	most	ADJ
fsr-3223	85	28	employers	employer	NOUN
fsr-3223	85	29	provide	provide	VERB
fsr-3223	85	30	an	an	DET
fsr-3223	85	31	efficient	efficient	ADJ
fsr-3223	85	32	menu	menu	NOUN
fsr-3223	85	33	of	of	ADP
fsr-3223	85	34	investment	investment	NOUN
fsr-3223	85	35	choices	choice	NOUN
fsr-3223	85	36	in	in	ADP
fsr-3223	85	37	pension	pension	NOUN
fsr-3223	85	38	plans	plan	NOUN
fsr-3223	85	39	.	.	PUNCT
fsr-3223	86	1	however	however	ADV
fsr-3223	86	2	,	,	PUNCT
fsr-3223	86	3	participants	participant	NOUN
fsr-3223	86	4	undo	undo	VERB
fsr-3223	86	5	this	this	PRON
fsr-3223	86	6	by	by	ADP
fsr-3223	86	7	making	make	VERB
fsr-3223	86	8	inefficient	inefficient	ADJ
fsr-3223	86	9	portfolio	portfolio	NOUN
fsr-3223	86	10	selection	selection	NOUN
fsr-3223	86	11	decisions	decision	NOUN
fsr-3223	86	12	.	.	PUNCT
fsr-3223	87	1	this	this	PRON
fsr-3223	87	2	costs	cost	VERB
fsr-3223	87	3	the	the	DET
fsr-3223	87	4	participants	participant	NOUN
fsr-3223	87	5	a	a	DET
fsr-3223	87	6	reduction	reduction	NOUN
fsr-3223	87	7	of	of	ADP
fsr-3223	87	8	about	about	ADV
fsr-3223	87	9	one	one	NUM
fsr-3223	87	10	-	-	PUNCT
fsr-3223	87	11	fifth	fifth	NOUN
fsr-3223	87	12	in	in	ADP
fsr-3223	87	13	potential	potential	ADJ
fsr-3223	87	14	retirement	retirement	NOUN
fsr-3223	87	15	wealth	wealth	NOUN
fsr-3223	87	16	.	.	PUNCT
fsr-3223	88	1	in	in	ADP
fsr-3223	88	2	addition	addition	NOUN
fsr-3223	88	3	to	to	ADP
fsr-3223	88	4	participant	participant	ADJ
fsr-3223	88	5	education	education	NOUN
fsr-3223	88	6	,	,	PUNCT
fsr-3223	88	7	the	the	DET
fsr-3223	88	8	natural	natural	ADJ
fsr-3223	88	9	corollary	corollary	NOUN
fsr-3223	88	10	of	of	ADP
fsr-3223	88	11	these	these	DET
fsr-3223	88	12	findings	finding	NOUN
fsr-3223	88	13	would	would	AUX
fsr-3223	88	14	be	be	AUX
fsr-3223	88	15	to	to	PART
fsr-3223	88	16	have	have	VERB
fsr-3223	88	17	investment	investment	NOUN
fsr-3223	88	18	vehicles	vehicle	NOUN
fsr-3223	88	19	in	in	ADP
fsr-3223	88	20	retirement	retirement	NOUN
fsr-3223	88	21	plans	plan	NOUN
fsr-3223	88	22	that	that	PRON
fsr-3223	88	23	do	do	AUX
fsr-3223	88	24	not	not	PART
fsr-3223	88	25	require	require	VERB
fsr-3223	88	26	significant	significant	ADJ
fsr-3223	88	27	participant	participant	ADJ
fsr-3223	88	28	intervention	intervention	NOUN
fsr-3223	88	29	over	over	ADP
fsr-3223	88	30	time	time	NOUN
fsr-3223	88	31	,	,	PUNCT
fsr-3223	88	32	that	that	PRON
fsr-3223	88	33	is	be	AUX
fsr-3223	88	34	“	"	PUNCT
fsr-3223	88	35	do	do	VERB
fsr-3223	88	36	no	no	DET
fsr-3223	88	37	harm	harm	NOUN
fsr-3223	88	38	.	.	PUNCT
fsr-3223	88	39	”	"	PUNCT
fsr-3223	89	1	each	each	PRON
fsr-3223	89	2	of	of	ADP
fsr-3223	89	3	the	the	DET
fsr-3223	89	4	preceding	precede	VERB
fsr-3223	89	5	studies	study	NOUN
fsr-3223	89	6	shows	show	VERB
fsr-3223	89	7	that	that	SCONJ
fsr-3223	89	8	fund	fund	NOUN
fsr-3223	89	9	owners	owner	NOUN
fsr-3223	89	10	are	be	AUX
fsr-3223	89	11	not	not	PART
fsr-3223	89	12	likely	likely	ADJ
fsr-3223	89	13	to	to	PART
fsr-3223	89	14	manage	manage	VERB
fsr-3223	89	15	their	their	PRON
fsr-3223	89	16	retirement	retirement	NOUN
fsr-3223	89	17	funds	fund	NOUN
fsr-3223	89	18	to	to	ADP
fsr-3223	89	19	their	their	PRON
fsr-3223	89	20	best	good	ADJ
fsr-3223	89	21	advantage	advantage	NOUN
fsr-3223	89	22	.	.	PUNCT
fsr-3223	90	1	this	this	PRON
fsr-3223	90	2	provides	provide	VERB
fsr-3223	90	3	a	a	DET
fsr-3223	90	4	compelling	compelling	ADJ
fsr-3223	90	5	argument	argument	NOUN
fsr-3223	90	6	in	in	ADP
fsr-3223	90	7	favor	favor	NOUN
fsr-3223	90	8	of	of	ADP
fsr-3223	90	9	tdfs	tdf	VERB
fsr-3223	90	10	.	.	PUNCT
fsr-3223	91	1	funds	fund	NOUN
fsr-3223	91	2	that	that	PRON
fsr-3223	91	3	absolve	absolve	VERB
fsr-3223	91	4	the	the	DET
fsr-3223	91	5	portfolio	portfolio	NOUN
fsr-3223	91	6	owner	owner	NOUN
fsr-3223	91	7	of	of	ADP
fsr-3223	91	8	monitoring	monitoring	NOUN
fsr-3223	91	9	and	and	CCONJ
fsr-3223	91	10	periodic	periodic	ADJ
fsr-3223	91	11	adjustments	adjustment	NOUN
fsr-3223	91	12	to	to	PART
fsr-3223	91	13	reflect	reflect	VERB
fsr-3223	91	14	altered	altered	ADJ
fsr-3223	91	15	risk	risk	NOUN
fsr-3223	91	16	tolerance	tolerance	NOUN
fsr-3223	91	17	.	.	PUNCT
fsr-3223	92	1	the	the	DET
fsr-3223	92	2	most	most	ADV
fsr-3223	92	3	significant	significant	ADJ
fsr-3223	92	4	boost	boost	NOUN
fsr-3223	92	5	to	to	ADP
fsr-3223	92	6	tdfs	tdfs	NOUN
fsr-3223	92	7	comes	come	VERB
fsr-3223	92	8	from	from	ADP
fsr-3223	92	9	two	two	NUM
fsr-3223	92	10	regulatory	regulatory	ADJ
fsr-3223	92	11	developments	development	NOUN
fsr-3223	92	12	:	:	PUNCT
fsr-3223	92	13	(	(	PUNCT
fsr-3223	92	14	1	1	X
fsr-3223	92	15	)	)	PUNCT
fsr-3223	92	16	the	the	DET
fsr-3223	92	17	automatic	automatic	ADJ
fsr-3223	92	18	enrollment	enrollment	NOUN
fsr-3223	92	19	(	(	PUNCT
fsr-3223	92	20	opt	opt	NOUN
fsr-3223	92	21	-	-	PUNCT
fsr-3223	92	22	out	out	ADP
fsr-3223	92	23	option	option	NOUN
fsr-3223	92	24	)	)	PUNCT
fsr-3223	92	25	feature	feature	NOUN
fsr-3223	92	26	under	under	ADP
fsr-3223	92	27	the	the	DET
fsr-3223	92	28	pension	pension	NOUN
fsr-3223	92	29	protection	protection	NOUN
fsr-3223	92	30	act	act	NOUN
fsr-3223	92	31	of	of	ADP
fsr-3223	92	32	2006	2006	NUM
fsr-3223	92	33	and	and	CCONJ
fsr-3223	92	34	(	(	PUNCT
fsr-3223	92	35	2	2	X
fsr-3223	92	36	)	)	PUNCT
fsr-3223	92	37	the	the	DET
fsr-3223	92	38	department	department	NOUN
fsr-3223	92	39	of	of	ADP
fsr-3223	92	40	labor	labor	NOUN
fsr-3223	92	41	directive	directive	NOUN
fsr-3223	92	42	of	of	ADP
fsr-3223	92	43	2007	2007	NUM
fsr-3223	92	44	that	that	PRON
fsr-3223	92	45	provides	provide	VERB
fsr-3223	92	46	safe	safe	ADJ
fsr-3223	92	47	harbor	harbor	NOUN
fsr-3223	92	48	relief	relief	NOUN
fsr-3223	92	49	to	to	PART
fsr-3223	92	50	plan	plan	VERB
fsr-3223	92	51	sponsors	sponsor	NOUN
fsr-3223	92	52	if	if	SCONJ
fsr-3223	92	53	a	a	DET
fsr-3223	92	54	tdf	tdf	NOUN
fsr-3223	92	55	is	be	AUX
fsr-3223	92	56	offered	offer	VERB
fsr-3223	92	57	as	as	ADP
fsr-3223	92	58	a	a	DET
fsr-3223	92	59	qualified	qualified	ADJ
fsr-3223	92	60	default	default	NOUN
fsr-3223	92	61	investment	investment	NOUN
fsr-3223	92	62	option	option	NOUN
fsr-3223	92	63	(	(	PUNCT
fsr-3223	92	64	qdia	qdia	NOUN
fsr-3223	92	65	)	)	PUNCT
fsr-3223	92	66	.	.	PUNCT
fsr-3223	93	1	the	the	DET
fsr-3223	93	2	other	other	ADJ
fsr-3223	93	3	two	two	NUM
fsr-3223	93	4	qdia	qdia	NOUN
fsr-3223	93	5	options	option	NOUN
fsr-3223	93	6	that	that	PRON
fsr-3223	93	7	emerged	emerge	VERB
fsr-3223	93	8	from	from	ADP
fsr-3223	93	9	the	the	DET
fsr-3223	93	10	pension	pension	NOUN
fsr-3223	93	11	protection	protection	NOUN
fsr-3223	93	12	act	act	NOUN
fsr-3223	93	13	of	of	ADP
fsr-3223	93	14	2006	2006	NUM
fsr-3223	93	15	(	(	PUNCT
fsr-3223	93	16	ppa	ppa	PROPN
fsr-3223	93	17	)	)	PUNCT
fsr-3223	93	18	are	be	AUX
fsr-3223	93	19	managed	manage	VERB
fsr-3223	93	20	accounts	account	NOUN
fsr-3223	93	21	and	and	CCONJ
fsr-3223	93	22	balanced	balanced	ADJ
fsr-3223	93	23	funds	fund	NOUN
fsr-3223	93	24	ebsa	ebsa	NOUN
fsr-3223	93	25	(	(	PUNCT
fsr-3223	93	26	2013	2013	NUM
fsr-3223	93	27	)	)	PUNCT
fsr-3223	93	28	.	.	PUNCT
fsr-3223	94	1	this	this	DET
fsr-3223	94	2	regulatory	regulatory	ADJ
fsr-3223	94	3	protection	protection	NOUN
fsr-3223	94	4	has	have	AUX
fsr-3223	94	5	greatly	greatly	ADV
fsr-3223	94	6	increased	increase	VERB
fsr-3223	94	7	the	the	DET
fsr-3223	94	8	popularity	popularity	NOUN
fsr-3223	94	9	of	of	ADP
fsr-3223	94	10	tdfs	tdfs	NOUN
fsr-3223	94	11	in	in	ADP
fsr-3223	94	12	qualified	qualified	ADJ
fsr-3223	94	13	defined	define	VERB
fsr-3223	94	14	contribution	contribution	NOUN
fsr-3223	94	15	retirement	retirement	NOUN
fsr-3223	94	16	plans	plan	NOUN
fsr-3223	94	17	.	.	PUNCT
fsr-3223	95	1	according	accord	VERB
fsr-3223	95	2	to	to	ADP
fsr-3223	95	3	landsberg	landsberg	PROPN
fsr-3223	95	4	(	(	PUNCT
fsr-3223	95	5	2007	2007	NUM
fsr-3223	95	6	)	)	PUNCT
fsr-3223	95	7	,	,	PUNCT
fsr-3223	95	8	ppa	ppa	PROPN
fsr-3223	95	9	provides	provide	VERB
fsr-3223	95	10	changes	change	NOUN
fsr-3223	95	11	in	in	ADP
fsr-3223	95	12	five	five	NUM
fsr-3223	95	13	broad	broad	ADJ
fsr-3223	95	14	areas	area	NOUN
fsr-3223	95	15	:	:	PUNCT
fsr-3223	95	16	defined	define	VERB
fsr-3223	95	17	benefit	benefit	NOUN
fsr-3223	95	18	plan	plan	NOUN
fsr-3223	95	19	funding	funding	NOUN
fsr-3223	95	20	,	,	PUNCT
fsr-3223	95	21	hybrid	hybrid	ADJ
fsr-3223	95	22	qualified	qualified	ADJ
fsr-3223	95	23	plans	plan	NOUN
fsr-3223	95	24	,	,	PUNCT
fsr-3223	95	25	defined	define	VERB
fsr-3223	95	26	contribution	contribution	NOUN
fsr-3223	95	27	plans	plan	NOUN
fsr-3223	95	28	,	,	PUNCT
fsr-3223	95	29	executive	executive	NOUN
fsr-3223	95	30	compensation	compensation	NOUN
fsr-3223	95	31	,	,	PUNCT
fsr-3223	95	32	and	and	CCONJ
fsr-3223	95	33	plan	plan	NOUN
fsr-3223	95	34	distributions	distribution	NOUN
fsr-3223	95	35	.	.	PUNCT
fsr-3223	96	1	two	two	NUM
fsr-3223	96	2	broad	broad	ADJ
fsr-3223	96	3	set	set	NOUN
fsr-3223	96	4	of	of	ADP
fsr-3223	96	5	key	key	ADJ
fsr-3223	96	6	changes	change	NOUN
fsr-3223	96	7	promote	promote	VERB
fsr-3223	96	8	the	the	DET
fsr-3223	96	9	growth	growth	NOUN
fsr-3223	96	10	of	of	ADP
fsr-3223	96	11	assets	asset	NOUN
fsr-3223	96	12	invested	invest	VERB
fsr-3223	96	13	in	in	ADP
fsr-3223	96	14	tdfs	tdfs	NOUN
fsr-3223	96	15	.	.	PUNCT
fsr-3223	97	1	the	the	DET
fsr-3223	97	2	first	first	ADJ
fsr-3223	97	3	relates	relate	VERB
fsr-3223	97	4	to	to	ADP
fsr-3223	97	5	enrolment	enrolment	NOUN
fsr-3223	97	6	procedures	procedure	NOUN
fsr-3223	97	7	and	and	CCONJ
fsr-3223	97	8	regulatory	regulatory	ADJ
fsr-3223	97	9	relief	relief	NOUN
fsr-3223	97	10	.	.	PUNCT
fsr-3223	98	1	this	this	PRON
fsr-3223	98	2	includes	include	VERB
fsr-3223	98	3	permission	permission	NOUN
fsr-3223	98	4	to	to	ADP
fsr-3223	98	5	employers	employer	NOUN
fsr-3223	98	6	to	to	PART
fsr-3223	98	7	offer	offer	VERB
fsr-3223	98	8	automatic	automatic	ADJ
fsr-3223	98	9	enrollment	enrollment	NOUN
fsr-3223	98	10	in	in	ADP
fsr-3223	98	11	401(k	401(k	PROPN
fsr-3223	98	12	)	)	PUNCT
fsr-3223	98	13	plans	plan	NOUN
fsr-3223	98	14	and	and	CCONJ
fsr-3223	98	15	safe	safe	ADJ
fsr-3223	98	16	harbor	harbor	NOUN
fsr-3223	98	17	provisions	provision	NOUN
fsr-3223	98	18	for	for	ADP
fsr-3223	98	19	default	default	NOUN
fsr-3223	98	20	options	option	NOUN
fsr-3223	98	21	that	that	PRON
fsr-3223	98	22	include	include	VERB
fsr-3223	98	23	tdfs	tdfs	NOUN
fsr-3223	98	24	in	in	ADP
fsr-3223	98	25	automatic	automatic	ADJ
fsr-3223	98	26	enrollment	enrollment	NOUN
fsr-3223	98	27	plans	plan	NOUN
fsr-3223	98	28	.	.	PUNCT
fsr-3223	99	1	a	a	DET
fsr-3223	99	2	default	default	NOUN
fsr-3223	99	3	investment	investment	NOUN
fsr-3223	99	4	option	option	NOUN
fsr-3223	99	5	becomes	become	VERB
fsr-3223	99	6	the	the	DET
fsr-3223	99	7	deemed	deemed	ADJ
fsr-3223	99	8	choice	choice	NOUN
fsr-3223	99	9	of	of	ADP
fsr-3223	99	10	a	a	DET
fsr-3223	99	11	participant	participant	NOUN
fsr-3223	99	12	when	when	SCONJ
fsr-3223	99	13	no	no	DET
fsr-3223	99	14	selection	selection	NOUN
fsr-3223	99	15	of	of	ADP
fsr-3223	99	16	investment	investment	NOUN
fsr-3223	99	17	alternatives	alternative	NOUN
fsr-3223	99	18	is	be	AUX
fsr-3223	99	19	specifically	specifically	ADV
fsr-3223	99	20	made	make	VERB
fsr-3223	99	21	.	.	PUNCT
fsr-3223	100	1	the	the	DET
fsr-3223	100	2	second	second	ADJ
fsr-3223	100	3	contributing	contribute	VERB
fsr-3223	100	4	factor	factor	NOUN
fsr-3223	100	5	makes	make	VERB
fsr-3223	100	6	permanent	permanent	ADJ
fsr-3223	100	7	the	the	DET
fsr-3223	100	8	provisions	provision	NOUN
fsr-3223	100	9	of	of	ADP
fsr-3223	100	10	economic	economic	ADJ
fsr-3223	100	11	growth	growth	NOUN
fsr-3223	100	12	and	and	CCONJ
fsr-3223	100	13	tax	tax	NOUN
fsr-3223	100	14	relief	relief	NOUN
fsr-3223	100	15	reconciliation	reconciliation	NOUN
fsr-3223	100	16	act	act	NOUN
fsr-3223	100	17	(	(	PUNCT
fsr-3223	100	18	egtrra	egtrra	NOUN
fsr-3223	100	19	)	)	PUNCT
fsr-3223	100	20	of	of	ADP
fsr-3223	100	21	2001	2001	NUM
fsr-3223	100	22	with	with	ADP
fsr-3223	100	23	respect	respect	NOUN
fsr-3223	100	24	to	to	ADP
fsr-3223	100	25	increased	increase	VERB
fsr-3223	100	26	contributions	contribution	NOUN
fsr-3223	100	27	,	,	PUNCT
fsr-3223	100	28	inflation	inflation	NOUN
fsr-3223	100	29	indexing	indexing	NOUN
fsr-3223	100	30	and	and	CCONJ
fsr-3223	100	31	“	"	PUNCT
fsr-3223	100	32	catch	catch	VERB
fsr-3223	100	33	up	up	ADP
fsr-3223	100	34	”	"	PUNCT
fsr-3223	100	35	provisions	provision	NOUN
fsr-3223	100	36	for	for	ADP
fsr-3223	100	37	contributions	contribution	NOUN
fsr-3223	100	38	to	to	ADP
fsr-3223	100	39	various	various	ADJ
fsr-3223	100	40	individual	individual	ADJ
fsr-3223	100	41	retirement	retirement	NOUN
fsr-3223	100	42	arrangements	arrangement	NOUN
fsr-3223	100	43	(	(	PUNCT
fsr-3223	100	44	iras	ira	NOUN
fsr-3223	100	45	)	)	PUNCT
fsr-3223	100	46	and	and	CCONJ
fsr-3223	100	47	401(k	401(k	NOUN
fsr-3223	100	48	)	)	PUNCT
fsr-3223	100	49	plans	plan	NOUN
fsr-3223	100	50	.	.	PUNCT
fsr-3223	101	1	balduzzi	balduzzi	NOUN
fsr-3223	101	2	and	and	CCONJ
fsr-3223	101	3	ruetter	ruetter	NOUN
fsr-3223	101	4	(	(	PUNCT
fsr-3223	101	5	2015	2015	NUM
fsr-3223	101	6	)	)	PUNCT
fsr-3223	101	7	report	report	NOUN
fsr-3223	101	8	increased	increase	VERB
fsr-3223	101	9	heterogeneity	heterogeneity	NOUN
fsr-3223	101	10	in	in	ADP
fsr-3223	101	11	risk	risk	NOUN
fsr-3223	101	12	taking	taking	NOUN
fsr-3223	101	13	and	and	CCONJ
fsr-3223	101	14	associated	associated	ADJ
fsr-3223	101	15	returns	return	NOUN
fsr-3223	101	16	of	of	ADP
fsr-3223	101	17	target	target	NOUN
fsr-3223	101	18	date	date	NOUN
fsr-3223	101	19	mutual	mutual	ADJ
fsr-3223	101	20	funds	fund	NOUN
fsr-3223	101	21	since	since	SCONJ
fsr-3223	101	22	the	the	DET
fsr-3223	101	23	passing	passing	NOUN
fsr-3223	101	24	of	of	ADP
fsr-3223	101	25	ppa	ppa	NOUN
fsr-3223	101	26	of	of	ADP
fsr-3223	101	27	2006	2006	NUM
fsr-3223	101	28	.	.	PUNCT
fsr-3223	102	1	they	they	PRON
fsr-3223	102	2	attribute	attribute	VERB
fsr-3223	102	3	this	this	DET
fsr-3223	102	4	divergence	divergence	NOUN
fsr-3223	102	5	in	in	ADP
fsr-3223	102	6	performance	performance	NOUN
fsr-3223	102	7	to	to	PART
fsr-3223	102	8	risk	risk	VERB
fsr-3223	102	9	taking	take	VERB
fsr-3223	102	10	by	by	ADP
fsr-3223	102	11	fund	fund	NOUN
fsr-3223	102	12	families	family	NOUN
fsr-3223	102	13	with	with	ADP
fsr-3223	102	14	low	low	ADJ
fsr-3223	102	15	market	market	NOUN
fsr-3223	102	16	shares	share	NOUN
fsr-3223	102	17	attempting	attempt	VERB
fsr-3223	102	18	to	to	PART
fsr-3223	102	19	differentiate	differentiate	VERB
fsr-3223	102	20	themselves	themselves	PRON
fsr-3223	102	21	to	to	PART
fsr-3223	102	22	attract	attract	VERB
fsr-3223	102	23	plan	plan	NOUN
fsr-3223	102	24	sponsors	sponsor	NOUN
fsr-3223	102	25	.	.	PUNCT
fsr-3223	103	1	consequently	consequently	ADV
fsr-3223	103	2	,	,	PUNCT
fsr-3223	103	3	participants	participant	NOUN
fsr-3223	103	4	in	in	ADP
fsr-3223	103	5	different	different	ADJ
fsr-3223	103	6	funds	fund	NOUN
fsr-3223	103	7	of	of	ADP
fsr-3223	103	8	the	the	DET
fsr-3223	103	9	same	same	ADJ
fsr-3223	103	10	vintage	vintage	NOUN
fsr-3223	103	11	year	year	NOUN
fsr-3223	103	12	might	might	AUX
fsr-3223	103	13	experience	experience	VERB
fsr-3223	103	14	returns	return	NOUN
fsr-3223	103	15	significantly	significantly	ADV
fsr-3223	103	16	different	different	ADJ
fsr-3223	103	17	from	from	ADP
fsr-3223	103	18	the	the	DET
fsr-3223	103	19	average	average	NOUN
fsr-3223	103	20	.	.	PUNCT
fsr-3223	104	1	in	in	ADP
fsr-3223	104	2	a	a	DET
fsr-3223	104	3	study	study	NOUN
fsr-3223	104	4	of	of	ADP
fsr-3223	104	5	its	its	PRON
fsr-3223	104	6	participants	participant	NOUN
fsr-3223	104	7	,	,	PUNCT
fsr-3223	104	8	tiaa	tiaa	ADJ
fsr-3223	104	9	-	-	PUNCT
fsr-3223	104	10	cref	cref	NOUN
fsr-3223	104	11	researchers	researcher	NOUN
fsr-3223	104	12	richardson	richardson	PROPN
fsr-3223	104	13	and	and	CCONJ
fsr-3223	104	14	bissette	bissette	PROPN
fsr-3223	104	15	(	(	PUNCT
fsr-3223	104	16	2014	2014	NUM
fsr-3223	104	17	)	)	PUNCT
fsr-3223	104	18	find	find	VERB
fsr-3223	104	19	that	that	SCONJ
fsr-3223	104	20	over	over	ADP
fsr-3223	104	21	the	the	DET
fsr-3223	104	22	period	period	NOUN
fsr-3223	104	23	2005–2011	2005–2011	NUM
fsr-3223	104	24	tdfs	tdfs	NOUN
fsr-3223	104	25	garnered	garner	VERB
fsr-3223	104	26	a	a	DET
fsr-3223	104	27	significant	significant	ADJ
fsr-3223	104	28	proportion	proportion	NOUN
fsr-3223	104	29	(	(	PUNCT
fsr-3223	104	30	22	22	NUM
fsr-3223	104	31	%	%	NOUN
fsr-3223	104	32	)	)	PUNCT
fsr-3223	104	33	of	of	ADP
fsr-3223	104	34	all	all	DET
fsr-3223	104	35	239s	239	NOUN
fsr-3223	104	36	.	.	PUNCT
fsr-3223	105	1	singh	singh	PROPN
fsr-3223	105	2	/	/	SYM
fsr-3223	105	3	financial	financial	ADJ
fsr-3223	105	4	services	service	NOUN
fsr-3223	105	5	review	review	VERB
fsr-3223	105	6	25	25	NUM
fsr-3223	105	7	(	(	PUNCT
fsr-3223	105	8	2016	2016	NUM
fsr-3223	105	9	)	)	PUNCT
fsr-3223	105	10	235–262	235–262	NUM
fsr-3223	105	11	contributions	contribution	NOUN
fsr-3223	105	12	.	.	PUNCT
fsr-3223	106	1	these	these	DET
fsr-3223	106	2	funds	fund	NOUN
fsr-3223	106	3	are	be	AUX
fsr-3223	106	4	the	the	DET
fsr-3223	106	5	preferred	preferred	ADJ
fsr-3223	106	6	choice	choice	NOUN
fsr-3223	106	7	of	of	ADP
fsr-3223	106	8	younger	young	ADJ
fsr-3223	106	9	participants	participant	NOUN
fsr-3223	106	10	with	with	ADP
fsr-3223	106	11	lower	low	ADJ
fsr-3223	106	12	account	account	NOUN
fsr-3223	106	13	balances	balance	NOUN
fsr-3223	106	14	and	and	CCONJ
fsr-3223	106	15	are	be	AUX
fsr-3223	106	16	utilized	utilize	VERB
fsr-3223	106	17	as	as	ADP
fsr-3223	106	18	a	a	DET
fsr-3223	106	19	fund	fund	NOUN
fsr-3223	106	20	of	of	ADP
fsr-3223	106	21	funds	fund	NOUN
fsr-3223	106	22	strategy	strategy	NOUN
fsr-3223	106	23	,	,	PUNCT
fsr-3223	106	24	meaning	mean	VERB
fsr-3223	106	25	that	that	SCONJ
fsr-3223	106	26	the	the	DET
fsr-3223	106	27	target	target	NOUN
fsr-3223	106	28	date	date	NOUN
fsr-3223	106	29	fund	fund	NOUN
fsr-3223	106	30	is	be	AUX
fsr-3223	106	31	the	the	DET
fsr-3223	106	32	primary	primary	ADJ
fsr-3223	106	33	investment	investment	NOUN
fsr-3223	106	34	of	of	ADP
fsr-3223	106	35	the	the	DET
fsr-3223	106	36	participant	participant	NOUN
fsr-3223	106	37	.	.	PUNCT
fsr-3223	107	1	a	a	DET
fsr-3223	107	2	similar	similar	ADJ
fsr-3223	107	3	trend	trend	NOUN
fsr-3223	107	4	is	be	AUX
fsr-3223	107	5	reported	report	VERB
fsr-3223	107	6	for	for	ADP
fsr-3223	107	7	the	the	DET
fsr-3223	107	8	broader	broad	ADJ
fsr-3223	107	9	401(k	401(k	NOUN
fsr-3223	107	10	)	)	PUNCT
fsr-3223	107	11	market	market	NOUN
fsr-3223	107	12	by	by	ADP
fsr-3223	107	13	ici	ici	PROPN
fsr-3223	107	14	.	.	PUNCT
fsr-3223	108	1	at	at	ADP
fsr-3223	108	2	the	the	DET
fsr-3223	108	3	end	end	NOUN
fsr-3223	108	4	of	of	ADP
fsr-3223	108	5	2013	2013	NUM
fsr-3223	108	6	,	,	PUNCT
fsr-3223	108	7	70	70	NUM
fsr-3223	108	8	%	%	NOUN
fsr-3223	108	9	of	of	ADP
fsr-3223	108	10	401(k	401(k	PROPN
fsr-3223	108	11	)	)	PUNCT
fsr-3223	108	12	plans	plan	NOUN
fsr-3223	108	13	offered	offer	VERB
fsr-3223	108	14	tdfs	tdfs	NOUN
fsr-3223	108	15	and	and	CCONJ
fsr-3223	108	16	the	the	DET
fsr-3223	108	17	proportion	proportion	NOUN
fsr-3223	108	18	of	of	ADP
fsr-3223	108	19	recently	recently	ADV
fsr-3223	108	20	hired	hire	VERB
fsr-3223	108	21	participants	participant	NOUN
fsr-3223	108	22	in	in	ADP
fsr-3223	108	23	their	their	PRON
fsr-3223	108	24	20s	20	NOUN
fsr-3223	108	25	and	and	CCONJ
fsr-3223	108	26	30s	30	NOUN
fsr-3223	108	27	holding	hold	VERB
fsr-3223	108	28	tdfs	tdfs	NOUN
fsr-3223	108	29	is	be	AUX
fsr-3223	108	30	51	51	NUM
fsr-3223	108	31	%	%	NOUN
fsr-3223	108	32	and	and	CCONJ
fsr-3223	108	33	53	53	NUM
fsr-3223	108	34	%	%	NOUN
fsr-3223	108	35	,	,	PUNCT
fsr-3223	108	36	respectively	respectively	ADV
fsr-3223	108	37	.	.	PUNCT
fsr-3223	109	1	the	the	DET
fsr-3223	109	2	comparable	comparable	ADJ
fsr-3223	109	3	numbers	number	NOUN
fsr-3223	109	4	for	for	ADP
fsr-3223	109	5	2006	2006	NUM
fsr-3223	109	6	are	be	AUX
fsr-3223	109	7	29.4	29.4	NUM
fsr-3223	109	8	%	%	NOUN
fsr-3223	109	9	and	and	CCONJ
fsr-3223	109	10	28.5	28.5	NUM
fsr-3223	109	11	%	%	NOUN
fsr-3223	109	12	,	,	PUNCT
fsr-3223	109	13	respectively	respectively	ADV
fsr-3223	109	14	.	.	PUNCT
fsr-3223	110	1	equally	equally	ADV
fsr-3223	110	2	interestingly	interestingly	ADV
fsr-3223	110	3	,	,	PUNCT
fsr-3223	110	4	85	85	NUM
fsr-3223	110	5	%	%	NOUN
fsr-3223	110	6	and	and	CCONJ
fsr-3223	110	7	80	80	NUM
fsr-3223	110	8	%	%	NOUN
fsr-3223	110	9	of	of	ADP
fsr-3223	110	10	the	the	DET
fsr-3223	110	11	account	account	NOUN
fsr-3223	110	12	balance	balance	NOUN
fsr-3223	110	13	of	of	ADP
fsr-3223	110	14	these	these	DET
fsr-3223	110	15	participants	participant	NOUN
fsr-3223	110	16	,	,	PUNCT
fsr-3223	110	17	respectively	respectively	ADV
fsr-3223	110	18	,	,	PUNCT
fsr-3223	110	19	is	be	AUX
fsr-3223	110	20	held	hold	VERB
fsr-3223	110	21	in	in	ADP
fsr-3223	110	22	tdfs	tdfs	NOUN
fsr-3223	110	23	.	.	PUNCT
fsr-3223	111	1	there	there	PRON
fsr-3223	111	2	seems	seem	VERB
fsr-3223	111	3	to	to	PART
fsr-3223	111	4	be	be	AUX
fsr-3223	111	5	a	a	DET
fsr-3223	111	6	demonstrable	demonstrable	ADJ
fsr-3223	111	7	trend	trend	NOUN
fsr-3223	111	8	towards	towards	ADP
fsr-3223	111	9	increasing	increase	VERB
fsr-3223	111	10	use	use	NOUN
fsr-3223	111	11	of	of	ADP
fsr-3223	111	12	tdfs	tdfs	NOUN
fsr-3223	111	13	by	by	ADP
fsr-3223	111	14	younger	young	ADJ
fsr-3223	111	15	workers	worker	NOUN
fsr-3223	111	16	.	.	PUNCT
fsr-3223	112	1	if	if	SCONJ
fsr-3223	112	2	investment	investment	NOUN
fsr-3223	112	3	choices	choice	NOUN
fsr-3223	112	4	in	in	ADP
fsr-3223	112	5	retirement	retirement	NOUN
fsr-3223	112	6	plans	plan	NOUN
fsr-3223	112	7	are	be	AUX
fsr-3223	112	8	assumed	assume	VERB
fsr-3223	112	9	to	to	PART
fsr-3223	112	10	be	be	AUX
fsr-3223	112	11	stable	stable	ADJ
fsr-3223	112	12	,	,	PUNCT
fsr-3223	112	13	then	then	ADV
fsr-3223	112	14	the	the	DET
fsr-3223	112	15	expectations	expectation	NOUN
fsr-3223	112	16	of	of	ADP
fsr-3223	112	17	a	a	DET
fsr-3223	112	18	significant	significant	ADJ
fsr-3223	112	19	increase	increase	NOUN
fsr-3223	112	20	in	in	ADP
fsr-3223	112	21	assets	asset	NOUN
fsr-3223	112	22	of	of	ADP
fsr-3223	112	23	tdfs	tdfs	NOUN
fsr-3223	112	24	with	with	ADP
fsr-3223	112	25	the	the	DET
fsr-3223	112	26	passage	passage	NOUN
fsr-3223	112	27	of	of	ADP
fsr-3223	112	28	time	time	NOUN
fsr-3223	112	29	seems	seem	VERB
fsr-3223	112	30	logical	logical	ADJ
fsr-3223	112	31	.	.	PUNCT
fsr-3223	113	1	for	for	ADP
fsr-3223	113	2	the	the	DET
fsr-3223	113	3	year	year	NOUN
fsr-3223	113	4	2014	2014	NUM
fsr-3223	113	5	,	,	PUNCT
fsr-3223	113	6	ici	ici	PROPN
fsr-3223	113	7	reports	report	VERB
fsr-3223	113	8	that	that	SCONJ
fsr-3223	113	9	new	new	ADJ
fsr-3223	113	10	fund	fund	NOUN
fsr-3223	113	11	flows	flow	VERB
fsr-3223	113	12	into	into	ADP
fsr-3223	113	13	indexed	indexed	ADJ
fsr-3223	113	14	funds	fund	NOUN
fsr-3223	113	15	increased	increase	VERB
fsr-3223	113	16	by	by	ADP
fsr-3223	113	17	30	30	NUM
fsr-3223	113	18	%	%	NOUN
fsr-3223	113	19	in	in	ADP
fsr-3223	113	20	addition	addition	NOUN
fsr-3223	113	21	to	to	ADP
fsr-3223	113	22	a	a	DET
fsr-3223	113	23	93	93	NUM
fsr-3223	113	24	%	%	NOUN
fsr-3223	113	25	increase	increase	NOUN
fsr-3223	113	26	in	in	ADP
fsr-3223	113	27	2013	2013	NUM
fsr-3223	113	28	.	.	PUNCT
fsr-3223	114	1	a	a	DET
fsr-3223	114	2	significant	significant	ADJ
fsr-3223	114	3	portion	portion	NOUN
fsr-3223	114	4	of	of	ADP
fsr-3223	114	5	these	these	DET
fsr-3223	114	6	funds	fund	NOUN
fsr-3223	114	7	was	be	AUX
fsr-3223	114	8	into	into	ADP
fsr-3223	114	9	equity	equity	NOUN
fsr-3223	114	10	index	index	NOUN
fsr-3223	114	11	funds	fund	NOUN
fsr-3223	114	12	.	.	PUNCT
fsr-3223	115	1	remarking	remark	VERB
fsr-3223	115	2	on	on	ADP
fsr-3223	115	3	the	the	DET
fsr-3223	115	4	growth	growth	NOUN
fsr-3223	115	5	ici	ici	NOUN
fsr-3223	115	6	concludes	conclude	VERB
fsr-3223	115	7	,	,	PUNCT
fsr-3223	115	8	“	"	PUNCT
fsr-3223	115	9	demand	demand	NOUN
fsr-3223	115	10	for	for	ADP
fsr-3223	115	11	index	index	NOUN
fsr-3223	115	12	mutual	mutual	ADJ
fsr-3223	115	13	funds	fund	NOUN
fsr-3223	115	14	remained	remain	VERB
fsr-3223	115	15	strong	strong	ADJ
fsr-3223	115	16	in	in	ADP
fsr-3223	115	17	2014	2014	NUM
fsr-3223	115	18	.	.	PUNCT
fsr-3223	115	19	”	"	PUNCT
fsr-3223	116	1	index	index	NOUN
fsr-3223	116	2	funds	fund	NOUN
fsr-3223	116	3	reflect	reflect	VERB
fsr-3223	116	4	a	a	DET
fsr-3223	116	5	low	low	ADJ
fsr-3223	116	6	cost	cost	NOUN
fsr-3223	116	7	tax	tax	NOUN
fsr-3223	116	8	efficient	efficient	ADJ
fsr-3223	116	9	passive	passive	ADJ
fsr-3223	116	10	investment	investment	NOUN
fsr-3223	116	11	philosophy	philosophy	NOUN
fsr-3223	116	12	.	.	PUNCT
fsr-3223	117	1	tdfs	tdfs	NOUN
fsr-3223	117	2	are	be	AUX
fsr-3223	117	3	steeped	steep	VERB
fsr-3223	117	4	in	in	ADP
fsr-3223	117	5	a	a	DET
fsr-3223	117	6	similar	similar	ADJ
fsr-3223	117	7	belief	belief	NOUN
fsr-3223	117	8	that	that	PRON
fsr-3223	117	9	discourages	discourage	VERB
fsr-3223	117	10	frequent	frequent	ADJ
fsr-3223	117	11	readjustment	readjustment	NOUN
fsr-3223	117	12	of	of	ADP
fsr-3223	117	13	asset	asset	NOUN
fsr-3223	117	14	allocation	allocation	NOUN
fsr-3223	117	15	and	and	CCONJ
fsr-3223	117	16	portfolio	portfolio	NOUN
fsr-3223	117	17	holdings	holding	NOUN
fsr-3223	117	18	.	.	PUNCT
fsr-3223	118	1	it	it	PRON
fsr-3223	118	2	may	may	AUX
fsr-3223	118	3	not	not	PART
fsr-3223	118	4	be	be	AUX
fsr-3223	118	5	a	a	DET
fsr-3223	118	6	leap	leap	NOUN
fsr-3223	118	7	to	to	PART
fsr-3223	118	8	assume	assume	VERB
fsr-3223	118	9	that	that	SCONJ
fsr-3223	118	10	an	an	DET
fsr-3223	118	11	investor	investor	NOUN
fsr-3223	118	12	embracing	embrace	VERB
fsr-3223	118	13	index	index	NOUN
fsr-3223	118	14	funds	fund	NOUN
fsr-3223	118	15	is	be	AUX
fsr-3223	118	16	likely	likely	ADJ
fsr-3223	118	17	to	to	PART
fsr-3223	118	18	be	be	AUX
fsr-3223	118	19	attracted	attract	VERB
fsr-3223	118	20	to	to	ADP
fsr-3223	118	21	tdfs	tdfs	VERB
fsr-3223	118	22	and	and	CCONJ
fsr-3223	118	23	vice	vice	ADV
fsr-3223	118	24	versa	versa	ADV
fsr-3223	118	25	.	.	PUNCT
fsr-3223	119	1	given	give	VERB
fsr-3223	119	2	the	the	DET
fsr-3223	119	3	trend	trend	NOUN
fsr-3223	119	4	of	of	ADP
fsr-3223	119	5	increasing	increase	VERB
fsr-3223	119	6	assets	asset	NOUN
fsr-3223	119	7	directed	direct	VERB
fsr-3223	119	8	towards	towards	ADP
fsr-3223	119	9	tdfs	tdfs	NOUN
fsr-3223	119	10	,	,	PUNCT
fsr-3223	119	11	the	the	DET
fsr-3223	119	12	design	design	NOUN
fsr-3223	119	13	of	of	ADP
fsr-3223	119	14	these	these	DET
fsr-3223	119	15	retirement	retirement	NOUN
fsr-3223	119	16	savings	saving	NOUN
fsr-3223	119	17	vehicles	vehicle	NOUN
fsr-3223	119	18	becomes	become	VERB
fsr-3223	119	19	important	important	ADJ
fsr-3223	119	20	to	to	PART
fsr-3223	119	21	retirement	retirement	VERB
fsr-3223	119	22	well	well	ADV
fsr-3223	119	23	-	-	PUNCT
fsr-3223	119	24	being	being	NOUN
fsr-3223	119	25	of	of	ADP
fsr-3223	119	26	a	a	DET
fsr-3223	119	27	significant	significant	ADJ
fsr-3223	119	28	proportion	proportion	NOUN
fsr-3223	119	29	of	of	ADP
fsr-3223	119	30	the	the	DET
fsr-3223	119	31	working	work	VERB
fsr-3223	119	32	population	population	NOUN
fsr-3223	119	33	.	.	PUNCT
fsr-3223	120	1	3	3	X
fsr-3223	120	2	.	.	X
fsr-3223	120	3	investment	investment	NOUN
fsr-3223	120	4	theory	theory	NOUN
fsr-3223	120	5	and	and	CCONJ
fsr-3223	120	6	glide	glide	NOUN
fsr-3223	120	7	paths	path	NOUN
fsr-3223	120	8	towers	tower	NOUN
fsr-3223	120	9	watson	watson	PROPN
fsr-3223	120	10	(	(	PUNCT
fsr-3223	120	11	2010	2010	NUM
fsr-3223	120	12	)	)	PUNCT
fsr-3223	120	13	reports	report	VERB
fsr-3223	120	14	“	"	PUNCT
fsr-3223	120	15	…	…	PUNCT
fsr-3223	120	16	a	a	DET
fsr-3223	120	17	2009	2009	NUM
fsr-3223	120	18	watson	watson	PROPN
fsr-3223	120	19	wyatt	wyatt	PROPN
fsr-3223	120	20	research	research	PROPN
fsr-3223	120	21	study	study	PROPN
fsr-3223	120	22	found	find	VERB
fsr-3223	120	23	that	that	SCONJ
fsr-3223	120	24	employees	employee	NOUN
fsr-3223	120	25	categorized	categorize	VERB
fsr-3223	120	26	as	as	ADP
fsr-3223	120	27	‘	'	PUNCT
fsr-3223	120	28	intermediate/	intermediate/	NUM
fsr-3223	120	29	long	long	ADJ
fsr-3223	120	30	-	-	PUNCT
fsr-3223	120	31	horizon	horizon	NOUN
fsr-3223	120	32	’	'	PUNCT
fsr-3223	120	33	investors	investor	NOUN
fsr-3223	120	34	planning	plan	VERB
fsr-3223	120	35	to	to	PART
fsr-3223	120	36	retire	retire	VERB
fsr-3223	120	37	in	in	ADP
fsr-3223	120	38	15	15	NUM
fsr-3223	120	39	years	year	NOUN
fsr-3223	120	40	or	or	CCONJ
fsr-3223	120	41	more	more	ADV
fsr-3223	120	42	experienced	experienced	ADJ
fsr-3223	120	43	typical	typical	ADJ
fsr-3223	120	44	median	median	ADJ
fsr-3223	120	45	declines	decline	NOUN
fsr-3223	120	46	of	of	ADP
fsr-3223	120	47	27	27	NUM
fsr-3223	120	48	%	%	NOUN
fsr-3223	120	49	to	to	PART
fsr-3223	120	50	37	37	NUM
fsr-3223	120	51	%	%	NOUN
fsr-3223	120	52	in	in	ADP
fsr-3223	120	53	the	the	DET
fsr-3223	120	54	value	value	NOUN
fsr-3223	120	55	of	of	ADP
fsr-3223	120	56	their	their	PRON
fsr-3223	120	57	plans	plan	NOUN
fsr-3223	120	58	.	.	PUNCT
fsr-3223	121	1	this	this	DET
fsr-3223	121	2	magnitude	magnitude	NOUN
fsr-3223	121	3	of	of	ADP
fsr-3223	121	4	loss	loss	NOUN
fsr-3223	121	5	was	be	AUX
fsr-3223	121	6	attributable	attributable	ADJ
fsr-3223	121	7	to	to	ADP
fsr-3223	121	8	the	the	DET
fsr-3223	121	9	large	large	ADJ
fsr-3223	121	10	exposure	exposure	NOUN
fsr-3223	121	11	to	to	ADP
fsr-3223	121	12	equity	equity	NOUN
fsr-3223	121	13	investments	investment	NOUN
fsr-3223	121	14	(	(	PUNCT
fsr-3223	121	15	51	51	NUM
fsr-3223	121	16	%	%	NOUN
fsr-3223	121	17	to	to	PART
fsr-3223	121	18	95	95	NUM
fsr-3223	121	19	%	%	NOUN
fsr-3223	121	20	across	across	ADP
fsr-3223	121	21	2020–2055	2020–2055	NUM
fsr-3223	121	22	target	target	NOUN
fsr-3223	121	23	horizon	horizon	NOUN
fsr-3223	121	24	funds	fund	NOUN
fsr-3223	121	25	evaluated	evaluate	VERB
fsr-3223	121	26	)	)	PUNCT
fsr-3223	121	27	considered	consider	VERB
fsr-3223	121	28	appropriate	appropriate	ADJ
fsr-3223	121	29	for	for	SCONJ
fsr-3223	121	30	investors	investor	NOUN
fsr-3223	121	31	focused	focus	VERB
fsr-3223	121	32	on	on	ADP
fsr-3223	121	33	wealth	wealth	NOUN
fsr-3223	121	34	accumulation	accumulation	NOUN
fsr-3223	121	35	.	.	PUNCT
fsr-3223	122	1	what	what	PRON
fsr-3223	122	2	is	be	AUX
fsr-3223	122	3	troubling	troubling	ADJ
fsr-3223	122	4	,	,	PUNCT
fsr-3223	122	5	however	however	ADV
fsr-3223	122	6	,	,	PUNCT
fsr-3223	122	7	is	be	AUX
fsr-3223	122	8	that	that	SCONJ
fsr-3223	122	9	‘	'	PUNCT
fsr-3223	122	10	short	short	ADJ
fsr-3223	122	11	-	-	PUNCT
fsr-3223	122	12	horizon	horizon	NOUN
fsr-3223	122	13	’	'	PUNCT
fsr-3223	122	14	investors	investor	NOUN
fsr-3223	122	15	planning	plan	VERB
fsr-3223	122	16	to	to	PART
fsr-3223	122	17	retire	retire	VERB
fsr-3223	122	18	in	in	ADP
fsr-3223	122	19	two	two	NUM
fsr-3223	122	20	to	to	PART
fsr-3223	122	21	seven	seven	NUM
fsr-3223	122	22	years	year	NOUN
fsr-3223	122	23	(	(	PUNCT
fsr-3223	122	24	2010–2015	2010–2015	NUM
fsr-3223	122	25	target	target	NOUN
fsr-3223	122	26	horizon	horizon	NOUN
fsr-3223	122	27	funds	fund	NOUN
fsr-3223	122	28	)	)	PUNCT
fsr-3223	122	29	suffered	suffer	VERB
fsr-3223	122	30	a	a	DET
fsr-3223	122	31	median	median	ADJ
fsr-3223	122	32	loss	loss	NOUN
fsr-3223	122	33	of	of	ADP
fsr-3223	122	34	21	21	NUM
fsr-3223	122	35	%	%	NOUN
fsr-3223	122	36	,	,	PUNCT
fsr-3223	122	37	and	and	CCONJ
fsr-3223	122	38	as	as	ADV
fsr-3223	122	39	high	high	ADJ
fsr-3223	122	40	as	as	ADP
fsr-3223	122	41	36	36	NUM
fsr-3223	122	42	%	%	NOUN
fsr-3223	122	43	for	for	ADP
fsr-3223	122	44	some	some	DET
fsr-3223	122	45	funds	fund	NOUN
fsr-3223	122	46	.	.	PUNCT
fsr-3223	123	1	these	these	DET
fsr-3223	123	2	individuals	individual	NOUN
fsr-3223	123	3	have	have	AUX
fsr-3223	123	4	limited	limit	VERB
fsr-3223	123	5	ability	ability	NOUN
fsr-3223	123	6	to	to	PART
fsr-3223	123	7	recover	recover	VERB
fsr-3223	123	8	from	from	ADP
fsr-3223	123	9	the	the	DET
fsr-3223	123	10	losses	loss	NOUN
fsr-3223	123	11	incurred	incur	VERB
fsr-3223	123	12	other	other	ADJ
fsr-3223	123	13	than	than	ADP
fsr-3223	123	14	by	by	ADP
fsr-3223	123	15	deferring	defer	VERB
fsr-3223	123	16	retirement	retirement	NOUN
fsr-3223	123	17	and	and	CCONJ
fsr-3223	123	18	significantly	significantly	ADV
fsr-3223	123	19	increasing	increase	VERB
fsr-3223	123	20	their	their	PRON
fsr-3223	123	21	rate	rate	NOUN
fsr-3223	123	22	of	of	ADP
fsr-3223	123	23	retirement	retirement	NOUN
fsr-3223	123	24	saving	saving	NOUN
fsr-3223	123	25	(	(	PUNCT
fsr-3223	123	26	p.	p.	NOUN
fsr-3223	123	27	1	1	NUM
fsr-3223	123	28	)	)	PUNCT
fsr-3223	123	29	.	.	PUNCT
fsr-3223	123	30	”	"	PUNCT
fsr-3223	124	1	d’antona	d’antona	PROPN
fsr-3223	124	2	(	(	PUNCT
fsr-3223	124	3	2008	2008	NUM
fsr-3223	124	4	)	)	PUNCT
fsr-3223	124	5	aptly	aptly	ADV
fsr-3223	124	6	highlights	highlight	VERB
fsr-3223	124	7	a	a	DET
fsr-3223	124	8	similar	similar	ADJ
fsr-3223	124	9	plight	plight	NOUN
fsr-3223	124	10	of	of	ADP
fsr-3223	124	11	tdf	tdf	PROPN
fsr-3223	124	12	owners	owner	NOUN
fsr-3223	124	13	retiring	retire	VERB
fsr-3223	124	14	in	in	ADP
fsr-3223	124	15	the	the	DET
fsr-3223	124	16	period	period	NOUN
fsr-3223	124	17	2008–2010	2008–2010	NUM
fsr-3223	124	18	.	.	PUNCT
fsr-3223	125	1	she	she	PRON
fsr-3223	125	2	also	also	ADV
fsr-3223	125	3	points	point	VERB
fsr-3223	125	4	to	to	ADP
fsr-3223	125	5	the	the	DET
fsr-3223	125	6	wide	wide	ADJ
fsr-3223	125	7	range	range	NOUN
fsr-3223	125	8	of	of	ADP
fsr-3223	125	9	losses	loss	NOUN
fsr-3223	125	10	suffered	suffer	VERB
fsr-3223	125	11	by	by	ADP
fsr-3223	125	12	such	such	ADJ
fsr-3223	125	13	investors	investor	NOUN
fsr-3223	125	14	because	because	SCONJ
fsr-3223	125	15	of	of	ADP
fsr-3223	125	16	deficient	deficient	ADJ
fsr-3223	125	17	glide	glide	NOUN
fsr-3223	125	18	paths	path	NOUN
fsr-3223	125	19	.	.	PUNCT
fsr-3223	126	1	the	the	DET
fsr-3223	126	2	glide	glide	ADJ
fsr-3223	126	3	path	path	NOUN
fsr-3223	126	4	of	of	ADP
fsr-3223	126	5	tdfs	tdfs	NOUN
fsr-3223	126	6	has	have	VERB
fsr-3223	126	7	a	a	DET
fsr-3223	126	8	significant	significant	ADJ
fsr-3223	126	9	influence	influence	NOUN
fsr-3223	126	10	on	on	ADP
fsr-3223	126	11	investment	investment	NOUN
fsr-3223	126	12	outcomes	outcome	NOUN
fsr-3223	126	13	and	and	CCONJ
fsr-3223	126	14	consequently	consequently	ADV
fsr-3223	126	15	on	on	ADP
fsr-3223	126	16	retirement	retirement	NOUN
fsr-3223	126	17	well	well	ADV
fsr-3223	126	18	-	-	PUNCT
fsr-3223	126	19	being	being	NOUN
fsr-3223	126	20	.	.	PUNCT
fsr-3223	127	1	a	a	DET
fsr-3223	127	2	fund	fund	NOUN
fsr-3223	127	3	’s	’s	PART
fsr-3223	127	4	glide	glide	PROPN
fsr-3223	127	5	path	path	NOUN
fsr-3223	127	6	primarily	primarily	ADV
fsr-3223	127	7	refers	refer	VERB
fsr-3223	127	8	to	to	ADP
fsr-3223	127	9	the	the	DET
fsr-3223	127	10	manner	manner	NOUN
fsr-3223	127	11	in	in	ADP
fsr-3223	127	12	which	which	PRON
fsr-3223	127	13	the	the	DET
fsr-3223	127	14	fund	fund	NOUN
fsr-3223	127	15	asset	asset	NOUN
fsr-3223	127	16	allocation	allocation	NOUN
fsr-3223	127	17	changes	change	NOUN
fsr-3223	127	18	over	over	ADP
fsr-3223	127	19	time	time	NOUN
fsr-3223	127	20	until	until	SCONJ
fsr-3223	127	21	the	the	DET
fsr-3223	127	22	target	target	NOUN
fsr-3223	127	23	date	date	NOUN
fsr-3223	127	24	is	be	AUX
fsr-3223	127	25	reached	reach	VERB
fsr-3223	127	26	or	or	CCONJ
fsr-3223	127	27	beyond	beyond	ADP
fsr-3223	127	28	.	.	PUNCT
fsr-3223	128	1	the	the	DET
fsr-3223	128	2	evidence	evidence	NOUN
fsr-3223	128	3	on	on	ADP
fsr-3223	128	4	the	the	DET
fsr-3223	128	5	efficacy	efficacy	NOUN
fsr-3223	128	6	of	of	ADP
fsr-3223	128	7	glide	glide	PROPN
fsr-3223	128	8	path	path	NOUN
fsr-3223	128	9	design	design	NOUN
fsr-3223	128	10	is	be	AUX
fsr-3223	128	11	discussed	discuss	VERB
fsr-3223	128	12	next	next	ADV
fsr-3223	128	13	.	.	PUNCT
fsr-3223	129	1	gomes	gome	NOUN
fsr-3223	129	2	,	,	PUNCT
fsr-3223	129	3	kotlikoff	kotlikoff	NOUN
fsr-3223	129	4	,	,	PUNCT
fsr-3223	129	5	and	and	CCONJ
fsr-3223	129	6	viceira	viceira	PROPN
fsr-3223	129	7	(	(	PUNCT
fsr-3223	129	8	2008	2008	NUM
fsr-3223	129	9	)	)	PUNCT
fsr-3223	129	10	,	,	PUNCT
fsr-3223	129	11	study	study	VERB
fsr-3223	129	12	asset	asset	NOUN
fsr-3223	129	13	allocation	allocation	NOUN
fsr-3223	129	14	in	in	ADP
fsr-3223	129	15	the	the	DET
fsr-3223	129	16	context	context	NOUN
fsr-3223	129	17	of	of	ADP
fsr-3223	129	18	a	a	DET
fsr-3223	129	19	variable	variable	ADJ
fsr-3223	129	20	labor	labor	NOUN
fsr-3223	129	21	supply	supply	NOUN
fsr-3223	129	22	.	.	PUNCT
fsr-3223	130	1	they	they	PRON
fsr-3223	130	2	propose	propose	VERB
fsr-3223	130	3	that	that	SCONJ
fsr-3223	130	4	the	the	DET
fsr-3223	130	5	ability	ability	NOUN
fsr-3223	130	6	of	of	ADP
fsr-3223	130	7	individuals	individual	NOUN
fsr-3223	130	8	who	who	PRON
fsr-3223	130	9	do	do	VERB
fsr-3223	130	10	poorly	poorly	ADV
fsr-3223	130	11	in	in	ADP
fsr-3223	130	12	financial	financial	ADJ
fsr-3223	130	13	markets	market	NOUN
fsr-3223	130	14	can	can	AUX
fsr-3223	130	15	make	make	VERB
fsr-3223	130	16	up	up	ADP
fsr-3223	130	17	the	the	DET
fsr-3223	130	18	performance	performance	NOUN
fsr-3223	130	19	shortfall	shortfall	NOUN
fsr-3223	130	20	by	by	ADP
fsr-3223	130	21	working	work	VERB
fsr-3223	130	22	more	more	ADJ
fsr-3223	130	23	.	.	PUNCT
fsr-3223	131	1	they	they	PRON
fsr-3223	131	2	demonstrate	demonstrate	VERB
fsr-3223	131	3	that	that	SCONJ
fsr-3223	131	4	the	the	DET
fsr-3223	131	5	welfare	welfare	NOUN
fsr-3223	131	6	loss	loss	NOUN
fsr-3223	131	7	is	be	AUX
fsr-3223	131	8	negligible	negligible	ADJ
fsr-3223	131	9	when	when	SCONJ
fsr-3223	131	10	using	use	VERB
fsr-3223	131	11	a	a	DET
fsr-3223	131	12	typical	typical	ADJ
fsr-3223	131	13	life	life	NOUN
fsr-3223	131	14	cycle	cycle	NOUN
fsr-3223	131	15	mutual	mutual	ADJ
fsr-3223	131	16	fund	fund	NOUN
fsr-3223	131	17	.	.	PUNCT
fsr-3223	132	1	comparatively	comparatively	ADV
fsr-3223	132	2	,	,	PUNCT
fsr-3223	132	3	there	there	PRON
fsr-3223	132	4	is	be	VERB
fsr-3223	132	5	a	a	DET
fsr-3223	132	6	240	240	NUM
fsr-3223	132	7	s.	s.	PROPN
fsr-3223	132	8	singh	singh	PROPN
fsr-3223	132	9	/	/	SYM
fsr-3223	132	10	financial	financial	ADJ
fsr-3223	132	11	services	service	NOUN
fsr-3223	132	12	review	review	VERB
fsr-3223	132	13	25	25	NUM
fsr-3223	132	14	(	(	PUNCT
fsr-3223	132	15	2016	2016	NUM
fsr-3223	132	16	)	)	PUNCT
fsr-3223	132	17	235–262	235–262	NUM
fsr-3223	132	18	significant	significant	ADJ
fsr-3223	132	19	loss	loss	NOUN
fsr-3223	132	20	of	of	ADP
fsr-3223	132	21	welfare	welfare	NOUN
fsr-3223	132	22	in	in	ADP
fsr-3223	132	23	investing	invest	VERB
fsr-3223	132	24	in	in	ADP
fsr-3223	132	25	stable	stable	ADJ
fsr-3223	132	26	value	value	NOUN
fsr-3223	132	27	funds	fund	NOUN
fsr-3223	132	28	.	.	PUNCT
fsr-3223	133	1	they	they	PRON
fsr-3223	133	2	argue	argue	VERB
fsr-3223	133	3	in	in	ADP
fsr-3223	133	4	favor	favor	NOUN
fsr-3223	133	5	of	of	ADP
fsr-3223	133	6	higher	high	ADJ
fsr-3223	133	7	equity	equity	NOUN
fsr-3223	133	8	exposures	exposure	NOUN
fsr-3223	133	9	during	during	ADP
fsr-3223	133	10	retirement	retirement	NOUN
fsr-3223	133	11	as	as	ADP
fsr-3223	133	12	the	the	DET
fsr-3223	133	13	presence	presence	NOUN
fsr-3223	133	14	of	of	ADP
fsr-3223	133	15	bond	bond	NOUN
fsr-3223	133	16	like	like	ADP
fsr-3223	133	17	cash	cash	NOUN
fsr-3223	133	18	flows	flow	NOUN
fsr-3223	133	19	in	in	ADP
fsr-3223	133	20	the	the	DET
fsr-3223	133	21	form	form	NOUN
fsr-3223	133	22	of	of	ADP
fsr-3223	133	23	pension	pension	NOUN
fsr-3223	133	24	benefits	benefit	NOUN
fsr-3223	133	25	provide	provide	VERB
fsr-3223	133	26	better	well	ADJ
fsr-3223	133	27	risk	risk	NOUN
fsr-3223	133	28	taking	take	VERB
fsr-3223	133	29	capabilities	capability	NOUN
fsr-3223	133	30	.	.	PUNCT
fsr-3223	134	1	pfau	pfau	NOUN
fsr-3223	134	2	and	and	CCONJ
fsr-3223	134	3	kitces	kitce	NOUN
fsr-3223	134	4	(	(	PUNCT
fsr-3223	134	5	2014	2014	NUM
fsr-3223	134	6	)	)	PUNCT
fsr-3223	134	7	further	far	ADV
fsr-3223	134	8	endorse	endorse	VERB
fsr-3223	134	9	the	the	DET
fsr-3223	134	10	idea	idea	NOUN
fsr-3223	134	11	of	of	ADP
fsr-3223	134	12	upward	upward	ADJ
fsr-3223	134	13	sloping	slope	VERB
fsr-3223	134	14	glide	glide	ADJ
fsr-3223	134	15	paths	path	NOUN
fsr-3223	134	16	during	during	ADP
fsr-3223	134	17	retirement	retirement	NOUN
fsr-3223	134	18	,	,	PUNCT
fsr-3223	134	19	that	that	ADV
fsr-3223	134	20	is	is	ADV
fsr-3223	134	21	,	,	PUNCT
fsr-3223	134	22	those	those	PRON
fsr-3223	134	23	that	that	PRON
fsr-3223	134	24	increase	increase	VERB
fsr-3223	134	25	equity	equity	NOUN
fsr-3223	134	26	exposure	exposure	NOUN
fsr-3223	134	27	during	during	ADP
fsr-3223	134	28	retirement	retirement	NOUN
fsr-3223	134	29	.	.	PUNCT
fsr-3223	135	1	using	use	VERB
fsr-3223	135	2	monte	monte	PROPN
fsr-3223	135	3	carlo	carlo	PROPN
fsr-3223	135	4	simulations	simulation	NOUN
fsr-3223	135	5	,	,	PUNCT
fsr-3223	135	6	they	they	PRON
fsr-3223	135	7	demonstrate	demonstrate	VERB
fsr-3223	135	8	that	that	SCONJ
fsr-3223	135	9	glide	glide	NOUN
fsr-3223	135	10	paths	path	NOUN
fsr-3223	135	11	that	that	PRON
fsr-3223	135	12	increase	increase	VERB
fsr-3223	135	13	equities	equity	NOUN
fsr-3223	135	14	from	from	ADP
fsr-3223	135	15	30	30	NUM
fsr-3223	135	16	%	%	NOUN
fsr-3223	135	17	to	to	PART
fsr-3223	135	18	60	60	NUM
fsr-3223	135	19	%	%	NOUN
fsr-3223	135	20	during	during	ADP
fsr-3223	135	21	retirement	retirement	NOUN
fsr-3223	135	22	reduce	reduce	VERB
fsr-3223	135	23	the	the	DET
fsr-3223	135	24	probability	probability	NOUN
fsr-3223	135	25	and	and	CCONJ
fsr-3223	135	26	magnitude	magnitude	NOUN
fsr-3223	135	27	of	of	ADP
fsr-3223	135	28	run	run	VERB
fsr-3223	135	29	outs	out	NOUN
fsr-3223	135	30	as	as	ADP
fsr-3223	135	31	compared	compare	VERB
fsr-3223	135	32	with	with	ADP
fsr-3223	135	33	glide	glide	ADJ
fsr-3223	135	34	paths	path	NOUN
fsr-3223	135	35	that	that	PRON
fsr-3223	135	36	do	do	VERB
fsr-3223	135	37	the	the	DET
fsr-3223	135	38	opposite	opposite	NOUN
fsr-3223	135	39	that	that	PRON
fsr-3223	135	40	is	be	AUX
fsr-3223	135	41	,	,	PUNCT
fsr-3223	135	42	reduce	reduce	VERB
fsr-3223	135	43	equity	equity	NOUN
fsr-3223	135	44	exposure	exposure	NOUN
fsr-3223	135	45	from	from	ADP
fsr-3223	135	46	60	60	NUM
fsr-3223	135	47	%	%	NOUN
fsr-3223	135	48	to	to	PART
fsr-3223	135	49	30	30	NUM
fsr-3223	135	50	%	%	NOUN
fsr-3223	135	51	during	during	ADP
fsr-3223	135	52	retirement	retirement	NOUN
fsr-3223	135	53	.	.	PUNCT
fsr-3223	136	1	later	later	ADJ
fsr-3223	136	2	kitces	kitce	NOUN
fsr-3223	136	3	and	and	CCONJ
fsr-3223	136	4	pfau	pfau	NOUN
fsr-3223	136	5	(	(	PUNCT
fsr-3223	136	6	2015	2015	NUM
fsr-3223	136	7	)	)	PUNCT
fsr-3223	136	8	combine	combine	VERB
fsr-3223	136	9	a	a	DET
fsr-3223	136	10	rising	rise	VERB
fsr-3223	136	11	equity	equity	NOUN
fsr-3223	136	12	allocation	allocation	NOUN
fsr-3223	136	13	glide	glide	NOUN
fsr-3223	136	14	path	path	NOUN
fsr-3223	136	15	with	with	ADP
fsr-3223	136	16	a	a	DET
fsr-3223	136	17	dynamic	dynamic	ADJ
fsr-3223	136	18	asset	asset	NOUN
fsr-3223	136	19	allocation	allocation	NOUN
fsr-3223	136	20	scheme	scheme	NOUN
fsr-3223	136	21	.	.	PUNCT
fsr-3223	137	1	in	in	ADP
fsr-3223	137	2	this	this	DET
fsr-3223	137	3	scheme	scheme	NOUN
fsr-3223	137	4	,	,	PUNCT
fsr-3223	137	5	equity	equity	NOUN
fsr-3223	137	6	exposures	exposure	NOUN
fsr-3223	137	7	are	be	AUX
fsr-3223	137	8	increased	increase	VERB
fsr-3223	137	9	when	when	SCONJ
fsr-3223	137	10	equity	equity	NOUN
fsr-3223	137	11	markets	market	NOUN
fsr-3223	137	12	are	be	AUX
fsr-3223	137	13	deemed	deem	VERB
fsr-3223	137	14	undervalued	undervalue	VERB
fsr-3223	137	15	and	and	CCONJ
fsr-3223	137	16	reduced	reduce	VERB
fsr-3223	137	17	when	when	SCONJ
fsr-3223	137	18	overvalued	overvalue	VERB
fsr-3223	137	19	.	.	PUNCT
fsr-3223	138	1	using	use	VERB
fsr-3223	138	2	actual	actual	ADJ
fsr-3223	138	3	return	return	NOUN
fsr-3223	138	4	data	datum	NOUN
fsr-3223	138	5	and	and	CCONJ
fsr-3223	138	6	overlapping	overlap	VERB
fsr-3223	138	7	periods	period	NOUN
fsr-3223	138	8	,	,	PUNCT
fsr-3223	138	9	they	they	PRON
fsr-3223	138	10	demonstrate	demonstrate	VERB
fsr-3223	138	11	that	that	SCONJ
fsr-3223	138	12	a	a	DET
fsr-3223	138	13	rising	rise	VERB
fsr-3223	138	14	glide	glide	ADJ
fsr-3223	138	15	path	path	NOUN
fsr-3223	138	16	is	be	AUX
fsr-3223	138	17	most	most	ADV
fsr-3223	138	18	suited	suited	ADJ
fsr-3223	138	19	in	in	ADP
fsr-3223	138	20	overvalued	overvalue	VERB
fsr-3223	138	21	markets	market	NOUN
fsr-3223	138	22	.	.	PUNCT
fsr-3223	139	1	blanchett	blanchett	PROPN
fsr-3223	139	2	(	(	PUNCT
fsr-3223	139	3	2015	2015	NUM
fsr-3223	139	4	)	)	PUNCT
fsr-3223	139	5	points	point	NOUN
fsr-3223	139	6	to	to	ADP
fsr-3223	139	7	the	the	DET
fsr-3223	139	8	fact	fact	NOUN
fsr-3223	139	9	that	that	SCONJ
fsr-3223	139	10	the	the	DET
fsr-3223	139	11	initial	initial	ADJ
fsr-3223	139	12	condition	condition	NOUN
fsr-3223	139	13	of	of	ADP
fsr-3223	139	14	financial	financial	ADJ
fsr-3223	139	15	markets	market	NOUN
fsr-3223	139	16	is	be	AUX
fsr-3223	139	17	often	often	ADV
fsr-3223	139	18	ignored	ignore	VERB
fsr-3223	139	19	in	in	ADP
fsr-3223	139	20	many	many	ADJ
fsr-3223	139	21	asset	asset	NOUN
fsr-3223	139	22	allocation	allocation	NOUN
fsr-3223	139	23	decisions	decision	NOUN
fsr-3223	139	24	as	as	SCONJ
fsr-3223	139	25	one	one	NUM
fsr-3223	139	26	is	be	AUX
fsr-3223	139	27	embarking	embark	VERB
fsr-3223	139	28	upon	upon	SCONJ
fsr-3223	139	29	,	,	PUNCT
fsr-3223	139	30	or	or	CCONJ
fsr-3223	139	31	is	be	AUX
fsr-3223	139	32	close	close	ADJ
fsr-3223	139	33	to	to	ADP
fsr-3223	139	34	retirement	retirement	NOUN
fsr-3223	139	35	.	.	PUNCT
fsr-3223	140	1	utilizing	utilize	VERB
fsr-3223	140	2	a	a	DET
fsr-3223	140	3	range	range	NOUN
fsr-3223	140	4	of	of	ADP
fsr-3223	140	5	varying	vary	VERB
fsr-3223	140	6	market	market	NOUN
fsr-3223	140	7	conditions	condition	NOUN
fsr-3223	140	8	,	,	PUNCT
fsr-3223	140	9	he	he	PRON
fsr-3223	140	10	concludes	conclude	VERB
fsr-3223	140	11	that	that	SCONJ
fsr-3223	140	12	upward	upward	ADJ
fsr-3223	140	13	sloping	slope	VERB
fsr-3223	140	14	glide	glide	ADJ
fsr-3223	140	15	paths	path	NOUN
fsr-3223	140	16	representing	represent	VERB
fsr-3223	140	17	increasing	increase	VERB
fsr-3223	140	18	allocations	allocation	NOUN
fsr-3223	140	19	to	to	ADP
fsr-3223	140	20	equities	equity	NOUN
fsr-3223	140	21	seem	seem	VERB
fsr-3223	140	22	to	to	PART
fsr-3223	140	23	perform	perform	VERB
fsr-3223	140	24	well	well	ADV
fsr-3223	140	25	in	in	ADP
fsr-3223	140	26	relatively	relatively	ADV
fsr-3223	140	27	higher	high	ADJ
fsr-3223	140	28	return	return	NOUN
fsr-3223	140	29	environments	environment	NOUN
fsr-3223	140	30	and	and	CCONJ
fsr-3223	140	31	higher	high	ADJ
fsr-3223	140	32	allocations	allocation	NOUN
fsr-3223	140	33	to	to	PART
fsr-3223	140	34	lower	low	ADJ
fsr-3223	140	35	risk	risk	NOUN
fsr-3223	140	36	assets	asset	NOUN
fsr-3223	140	37	seem	seem	VERB
fsr-3223	140	38	to	to	PART
fsr-3223	140	39	do	do	VERB
fsr-3223	140	40	well	well	ADV
fsr-3223	140	41	in	in	ADP
fsr-3223	140	42	low	low	ADJ
fsr-3223	140	43	return	return	NOUN
fsr-3223	140	44	markets	market	NOUN
fsr-3223	140	45	.	.	PUNCT
fsr-3223	141	1	basu	basu	PROPN
fsr-3223	141	2	and	and	CCONJ
fsr-3223	141	3	drew	draw	VERB
fsr-3223	141	4	(	(	PUNCT
fsr-3223	141	5	2009	2009	NUM
fsr-3223	141	6	)	)	PUNCT
fsr-3223	141	7	are	be	AUX
fsr-3223	141	8	perhaps	perhaps	ADV
fsr-3223	141	9	the	the	DET
fsr-3223	141	10	first	first	ADJ
fsr-3223	141	11	to	to	PART
fsr-3223	141	12	question	question	VERB
fsr-3223	141	13	the	the	DET
fsr-3223	141	14	conventional	conventional	ADJ
fsr-3223	141	15	wisdom	wisdom	NOUN
fsr-3223	141	16	of	of	ADP
fsr-3223	141	17	reducing	reduce	VERB
fsr-3223	141	18	equity	equity	NOUN
fsr-3223	141	19	allocation	allocation	NOUN
fsr-3223	141	20	in	in	ADP
fsr-3223	141	21	tdf	tdf	NOUN
fsr-3223	141	22	portfolios	portfolio	NOUN
fsr-3223	141	23	as	as	SCONJ
fsr-3223	141	24	one	one	NUM
fsr-3223	141	25	nears	near	VERB
fsr-3223	141	26	the	the	DET
fsr-3223	141	27	target	target	NOUN
fsr-3223	141	28	date	date	NOUN
fsr-3223	141	29	.	.	PUNCT
fsr-3223	142	1	they	they	PRON
fsr-3223	142	2	point	point	VERB
fsr-3223	142	3	to	to	ADP
fsr-3223	142	4	the	the	DET
fsr-3223	142	5	fact	fact	NOUN
fsr-3223	142	6	that	that	SCONJ
fsr-3223	142	7	individuals	individual	NOUN
fsr-3223	142	8	contribute	contribute	VERB
fsr-3223	142	9	savings	saving	NOUN
fsr-3223	142	10	to	to	ADP
fsr-3223	142	11	the	the	DET
fsr-3223	142	12	retirement	retirement	NOUN
fsr-3223	142	13	portfolio	portfolio	NOUN
fsr-3223	142	14	on	on	ADP
fsr-3223	142	15	a	a	DET
fsr-3223	142	16	regular	regular	ADJ
fsr-3223	142	17	basis	basis	NOUN
fsr-3223	142	18	and	and	CCONJ
fsr-3223	142	19	the	the	DET
fsr-3223	142	20	sum	sum	NOUN
fsr-3223	142	21	total	total	NOUN
fsr-3223	142	22	of	of	ADP
fsr-3223	142	23	the	the	DET
fsr-3223	142	24	initial	initial	ADJ
fsr-3223	142	25	portfolio	portfolio	NOUN
fsr-3223	142	26	increases	increase	VERB
fsr-3223	142	27	with	with	ADP
fsr-3223	142	28	time	time	NOUN
fsr-3223	142	29	even	even	ADV
fsr-3223	142	30	if	if	SCONJ
fsr-3223	142	31	one	one	PRON
fsr-3223	142	32	assumes	assume	VERB
fsr-3223	142	33	a	a	DET
fsr-3223	142	34	rate	rate	NOUN
fsr-3223	142	35	of	of	ADP
fsr-3223	142	36	return	return	NOUN
fsr-3223	142	37	of	of	ADP
fsr-3223	142	38	zero	zero	NUM
fsr-3223	142	39	on	on	ADP
fsr-3223	142	40	initial	initial	ADJ
fsr-3223	142	41	portfolio	portfolio	NOUN
fsr-3223	142	42	and	and	CCONJ
fsr-3223	142	43	contributions	contribution	NOUN
fsr-3223	142	44	.	.	PUNCT
fsr-3223	143	1	reducing	reduce	VERB
fsr-3223	143	2	equity	equity	NOUN
fsr-3223	143	3	allocation	allocation	NOUN
fsr-3223	143	4	in	in	ADP
fsr-3223	143	5	such	such	ADJ
fsr-3223	143	6	portfolios	portfolio	NOUN
fsr-3223	143	7	at	at	ADP
fsr-3223	143	8	a	a	DET
fsr-3223	143	9	point	point	NOUN
fsr-3223	143	10	in	in	ADP
fsr-3223	143	11	time	time	NOUN
fsr-3223	143	12	close	close	ADV
fsr-3223	143	13	to	to	ADP
fsr-3223	143	14	the	the	DET
fsr-3223	143	15	withdrawal	withdrawal	NOUN
fsr-3223	143	16	phase	phase	NOUN
fsr-3223	143	17	is	be	AUX
fsr-3223	143	18	detrimental	detrimental	ADJ
fsr-3223	143	19	to	to	ADP
fsr-3223	143	20	portfolio	portfolio	NOUN
fsr-3223	143	21	size	size	NOUN
fsr-3223	143	22	at	at	ADP
fsr-3223	143	23	terminal	terminal	ADJ
fsr-3223	143	24	date	date	NOUN
fsr-3223	143	25	.	.	PUNCT
fsr-3223	144	1	the	the	DET
fsr-3223	144	2	difference	difference	NOUN
fsr-3223	144	3	between	between	ADP
fsr-3223	144	4	the	the	DET
fsr-3223	144	5	lifecycle	lifecycle	NOUN
fsr-3223	144	6	and	and	CCONJ
fsr-3223	144	7	contrarian	contrarian	ADJ
fsr-3223	144	8	strategy	strategy	NOUN
fsr-3223	144	9	(	(	PUNCT
fsr-3223	144	10	one	one	NOUN
fsr-3223	144	11	that	that	PRON
fsr-3223	144	12	increases	increase	VERB
fsr-3223	144	13	equity	equity	NOUN
fsr-3223	144	14	allocation	allocation	NOUN
fsr-3223	144	15	closer	close	ADV
fsr-3223	144	16	to	to	ADP
fsr-3223	144	17	terminal	terminal	ADJ
fsr-3223	144	18	date	date	NOUN
fsr-3223	144	19	)	)	PUNCT
fsr-3223	144	20	is	be	AUX
fsr-3223	144	21	mostly	mostly	ADV
fsr-3223	144	22	driven	drive	VERB
fsr-3223	144	23	by	by	ADP
fsr-3223	144	24	performance	performance	NOUN
fsr-3223	144	25	close	close	ADJ
fsr-3223	144	26	to	to	ADP
fsr-3223	144	27	terminal	terminal	ADJ
fsr-3223	144	28	years	year	NOUN
fsr-3223	144	29	.	.	PUNCT
fsr-3223	145	1	the	the	DET
fsr-3223	145	2	authors	author	NOUN
fsr-3223	145	3	do	do	AUX
fsr-3223	145	4	acknowledge	acknowledge	VERB
fsr-3223	145	5	the	the	DET
fsr-3223	145	6	chance	chance	NOUN
fsr-3223	145	7	of	of	ADP
fsr-3223	145	8	ruin	ruin	NOUN
fsr-3223	145	9	increase	increase	NOUN
fsr-3223	145	10	under	under	ADP
fsr-3223	145	11	such	such	DET
fsr-3223	145	12	a	a	DET
fsr-3223	145	13	strategy	strategy	NOUN
fsr-3223	145	14	and	and	CCONJ
fsr-3223	145	15	that	that	SCONJ
fsr-3223	145	16	the	the	DET
fsr-3223	145	17	behavioral	behavioral	ADJ
fsr-3223	145	18	aspects	aspect	NOUN
fsr-3223	145	19	of	of	ADP
fsr-3223	145	20	such	such	DET
fsr-3223	145	21	a	a	DET
fsr-3223	145	22	strategy	strategy	NOUN
fsr-3223	145	23	can	can	AUX
fsr-3223	145	24	not	not	PART
fsr-3223	145	25	be	be	AUX
fsr-3223	145	26	ignored	ignore	VERB
fsr-3223	145	27	.	.	PUNCT
fsr-3223	146	1	pfau	pfau	NOUN
fsr-3223	146	2	(	(	PUNCT
fsr-3223	146	3	2010	2010	NUM
fsr-3223	146	4	)	)	PUNCT
fsr-3223	146	5	uses	use	VERB
fsr-3223	146	6	monte	monte	PROPN
fsr-3223	146	7	carlo	carlo	PROPN
fsr-3223	146	8	simulations	simulation	NOUN
fsr-3223	146	9	to	to	PART
fsr-3223	146	10	illustrate	illustrate	VERB
fsr-3223	146	11	that	that	SCONJ
fsr-3223	146	12	investors	investor	NOUN
fsr-3223	146	13	with	with	ADP
fsr-3223	146	14	modest	modest	ADJ
fsr-3223	146	15	risk	risk	NOUN
fsr-3223	146	16	aversion	aversion	NOUN
fsr-3223	146	17	will	will	AUX
fsr-3223	146	18	find	find	VERB
fsr-3223	146	19	traditional	traditional	ADJ
fsr-3223	146	20	glide	glide	ADJ
fsr-3223	146	21	paths	path	NOUN
fsr-3223	146	22	more	more	ADV
fsr-3223	146	23	suitable	suitable	ADJ
fsr-3223	146	24	as	as	SCONJ
fsr-3223	146	25	compared	compare	VERB
fsr-3223	146	26	with	with	ADP
fsr-3223	146	27	a	a	DET
fsr-3223	146	28	fixed	fix	VERB
fsr-3223	146	29	allocation	allocation	NOUN
fsr-3223	146	30	.	.	PUNCT
fsr-3223	147	1	he	he	PRON
fsr-3223	147	2	points	point	VERB
fsr-3223	147	3	to	to	ADP
fsr-3223	147	4	the	the	DET
fsr-3223	147	5	failure	failure	NOUN
fsr-3223	147	6	to	to	PART
fsr-3223	147	7	consider	consider	VERB
fsr-3223	147	8	expected	expect	VERB
fsr-3223	147	9	utility	utility	NOUN
fsr-3223	147	10	and	and	CCONJ
fsr-3223	147	11	,	,	PUNCT
fsr-3223	147	12	therefore	therefore	ADV
fsr-3223	147	13	,	,	PUNCT
fsr-3223	147	14	comparative	comparative	ADJ
fsr-3223	147	15	risk	risk	NOUN
fsr-3223	147	16	aversion	aversion	NOUN
fsr-3223	147	17	in	in	ADP
fsr-3223	147	18	contrarian	contrarian	ADJ
fsr-3223	147	19	glide	glide	ADJ
fsr-3223	147	20	paths	path	NOUN
fsr-3223	147	21	of	of	ADP
fsr-3223	147	22	some	some	DET
fsr-3223	147	23	studies	study	NOUN
fsr-3223	147	24	.	.	PUNCT
fsr-3223	148	1	contrary	contrary	ADJ
fsr-3223	148	2	to	to	ADP
fsr-3223	148	3	basu	basu	PROPN
fsr-3223	148	4	and	and	CCONJ
fsr-3223	148	5	drew	draw	VERB
fsr-3223	148	6	,	,	PUNCT
fsr-3223	148	7	he	he	PRON
fsr-3223	148	8	shows	show	VERB
fsr-3223	148	9	that	that	SCONJ
fsr-3223	148	10	higher	high	ADJ
fsr-3223	148	11	utility	utility	NOUN
fsr-3223	148	12	is	be	AUX
fsr-3223	148	13	derived	derive	VERB
fsr-3223	148	14	from	from	ADP
fsr-3223	148	15	traditional	traditional	ADJ
fsr-3223	148	16	life	life	NOUN
fsr-3223	148	17	cycle	cycle	NOUN
fsr-3223	148	18	strategies	strategy	NOUN
fsr-3223	148	19	when	when	SCONJ
fsr-3223	148	20	the	the	DET
fsr-3223	148	21	investor	investor	NOUN
fsr-3223	148	22	wishes	wish	VERB
fsr-3223	148	23	to	to	PART
fsr-3223	148	24	avoid	avoid	VERB
fsr-3223	148	25	probability	probability	NOUN
fsr-3223	148	26	of	of	ADP
fsr-3223	148	27	ruin	ruin	NOUN
fsr-3223	148	28	.	.	PUNCT
fsr-3223	149	1	capitalizing	capitalize	VERB
fsr-3223	149	2	further	far	ADV
fsr-3223	149	3	on	on	ADP
fsr-3223	149	4	the	the	DET
fsr-3223	149	5	earlier	early	ADJ
fsr-3223	149	6	findings	finding	NOUN
fsr-3223	149	7	,	,	PUNCT
fsr-3223	149	8	basu	basu	PROPN
fsr-3223	149	9	,	,	PUNCT
fsr-3223	149	10	bryne	bryne	PROPN
fsr-3223	149	11	,	,	PUNCT
fsr-3223	149	12	and	and	CCONJ
fsr-3223	149	13	drew	draw	VERB
fsr-3223	149	14	(	(	PUNCT
fsr-3223	149	15	2011	2011	NUM
fsr-3223	149	16	)	)	PUNCT
fsr-3223	149	17	also	also	ADV
fsr-3223	149	18	suggest	suggest	VERB
fsr-3223	149	19	a	a	DET
fsr-3223	149	20	dynamic	dynamic	ADJ
fsr-3223	149	21	asset	asset	NOUN
fsr-3223	149	22	allocation	allocation	NOUN
fsr-3223	149	23	strategy	strategy	NOUN
fsr-3223	149	24	predicated	predicate	VERB
fsr-3223	149	25	on	on	ADP
fsr-3223	149	26	portfolio	portfolio	NOUN
fsr-3223	149	27	value	value	NOUN
fsr-3223	149	28	rather	rather	ADV
fsr-3223	149	29	than	than	ADP
fsr-3223	149	30	the	the	DET
fsr-3223	149	31	age	age	NOUN
fsr-3223	149	32	of	of	ADP
fsr-3223	149	33	the	the	DET
fsr-3223	149	34	participant	participant	NOUN
fsr-3223	149	35	.	.	PUNCT
fsr-3223	150	1	the	the	DET
fsr-3223	150	2	key	key	NOUN
fsr-3223	150	3	to	to	ADP
fsr-3223	150	4	such	such	DET
fsr-3223	150	5	a	a	DET
fsr-3223	150	6	strategy	strategy	NOUN
fsr-3223	150	7	would	would	AUX
fsr-3223	150	8	be	be	AUX
fsr-3223	150	9	the	the	DET
fsr-3223	150	10	setting	setting	NOUN
fsr-3223	150	11	of	of	ADP
fsr-3223	150	12	an	an	DET
fsr-3223	150	13	accumulation	accumulation	NOUN
fsr-3223	150	14	rate	rate	NOUN
fsr-3223	150	15	and	and	CCONJ
fsr-3223	150	16	this	this	DET
fsr-3223	150	17	accumulation	accumulation	NOUN
fsr-3223	150	18	rate	rate	NOUN
fsr-3223	150	19	guides	guide	VERB
fsr-3223	150	20	the	the	DET
fsr-3223	150	21	asset	asset	NOUN
fsr-3223	150	22	allocation	allocation	NOUN
fsr-3223	150	23	over	over	ADP
fsr-3223	150	24	time	time	NOUN
fsr-3223	150	25	.	.	PUNCT
fsr-3223	151	1	the	the	DET
fsr-3223	151	2	authors	author	NOUN
fsr-3223	151	3	utilize	utilize	VERB
fsr-3223	151	4	simulations	simulation	NOUN
fsr-3223	151	5	to	to	PART
fsr-3223	151	6	demonstrate	demonstrate	VERB
fsr-3223	151	7	the	the	DET
fsr-3223	151	8	benefits	benefit	NOUN
fsr-3223	151	9	of	of	ADP
fsr-3223	151	10	such	such	DET
fsr-3223	151	11	a	a	DET
fsr-3223	151	12	strategy	strategy	NOUN
fsr-3223	151	13	.	.	PUNCT
fsr-3223	152	1	yoon	yoon	PROPN
fsr-3223	152	2	(	(	PUNCT
fsr-3223	152	3	2010	2010	NUM
fsr-3223	152	4	)	)	PUNCT
fsr-3223	152	5	suggests	suggest	VERB
fsr-3223	152	6	a	a	DET
fsr-3223	152	7	risk	risk	NOUN
fsr-3223	152	8	budget	budget	NOUN
fsr-3223	152	9	based	base	VERB
fsr-3223	152	10	methodology	methodology	NOUN
fsr-3223	152	11	to	to	ADP
fsr-3223	152	12	designing	design	VERB
fsr-3223	152	13	glide	glide	ADJ
fsr-3223	152	14	paths	path	NOUN
fsr-3223	152	15	.	.	PUNCT
fsr-3223	153	1	under	under	ADP
fsr-3223	153	2	such	such	DET
fsr-3223	153	3	a	a	DET
fsr-3223	153	4	system	system	NOUN
fsr-3223	153	5	,	,	PUNCT
fsr-3223	153	6	periodic	periodic	ADJ
fsr-3223	153	7	adjustments	adjustment	NOUN
fsr-3223	153	8	to	to	ADP
fsr-3223	153	9	asset	asset	NOUN
fsr-3223	153	10	allocation	allocation	NOUN
fsr-3223	153	11	are	be	AUX
fsr-3223	153	12	driven	drive	VERB
fsr-3223	153	13	by	by	ADP
fsr-3223	153	14	the	the	DET
fsr-3223	153	15	available	available	ADJ
fsr-3223	153	16	risk	risk	NOUN
fsr-3223	153	17	budget	budget	NOUN
fsr-3223	153	18	.	.	PUNCT
fsr-3223	154	1	the	the	DET
fsr-3223	154	2	advantage	advantage	NOUN
fsr-3223	154	3	of	of	ADP
fsr-3223	154	4	such	such	DET
fsr-3223	154	5	a	a	DET
fsr-3223	154	6	strategy	strategy	NOUN
fsr-3223	154	7	as	as	SCONJ
fsr-3223	154	8	yoon	yoon	PROPN
fsr-3223	154	9	points	point	VERB
fsr-3223	154	10	out	out	ADP
fsr-3223	154	11	is	be	AUX
fsr-3223	154	12	that	that	SCONJ
fsr-3223	154	13	the	the	DET
fsr-3223	154	14	asset	asset	NOUN
fsr-3223	154	15	allocation	allocation	NOUN
fsr-3223	154	16	stays	stay	VERB
fsr-3223	154	17	within	within	ADP
fsr-3223	154	18	the	the	DET
fsr-3223	154	19	risk	risk	NOUN
fsr-3223	154	20	tolerance	tolerance	NOUN
fsr-3223	154	21	at	at	ADP
fsr-3223	154	22	all	all	DET
fsr-3223	154	23	times	time	NOUN
fsr-3223	154	24	.	.	PUNCT
fsr-3223	155	1	the	the	DET
fsr-3223	155	2	downside	downside	NOUN
fsr-3223	155	3	of	of	ADP
fsr-3223	155	4	such	such	DET
fsr-3223	155	5	a	a	DET
fsr-3223	155	6	system	system	NOUN
fsr-3223	155	7	is	be	AUX
fsr-3223	155	8	the	the	DET
fsr-3223	155	9	complexity	complexity	NOUN
fsr-3223	155	10	of	of	ADP
fsr-3223	155	11	the	the	DET
fsr-3223	155	12	system	system	NOUN
fsr-3223	155	13	and	and	CCONJ
fsr-3223	155	14	the	the	DET
fsr-3223	155	15	inability	inability	NOUN
fsr-3223	155	16	to	to	PART
fsr-3223	155	17	maximize	maximize	VERB
fsr-3223	155	18	returns	return	NOUN
fsr-3223	155	19	.	.	PUNCT
fsr-3223	156	1	spitzer	spitzer	PROPN
fsr-3223	156	2	and	and	CCONJ
fsr-3223	156	3	singh	singh	PROPN
fsr-3223	156	4	(	(	PUNCT
fsr-3223	156	5	2011	2011	NUM
fsr-3223	156	6	)	)	PUNCT
fsr-3223	156	7	study	study	VERB
fsr-3223	156	8	the	the	DET
fsr-3223	156	9	glide	glide	ADJ
fsr-3223	156	10	path	path	NOUN
fsr-3223	156	11	of	of	ADP
fsr-3223	156	12	22	22	NUM
fsr-3223	156	13	fund	fund	NOUN
fsr-3223	156	14	families	family	NOUN
fsr-3223	156	15	and	and	CCONJ
fsr-3223	156	16	classify	classify	VERB
fsr-3223	156	17	glide	glide	NOUN
fsr-3223	156	18	paths	path	NOUN
fsr-3223	156	19	utilized	utilize	VERB
fsr-3223	156	20	by	by	ADP
fsr-3223	156	21	these	these	DET
fsr-3223	156	22	fund	fund	NOUN
fsr-3223	156	23	families	family	NOUN
fsr-3223	156	24	in	in	ADP
fsr-3223	156	25	two	two	NUM
fsr-3223	156	26	broad	broad	ADJ
fsr-3223	156	27	categories	category	NOUN
fsr-3223	156	28	,	,	PUNCT
fsr-3223	156	29	“	"	PUNCT
fsr-3223	156	30	late	late	ADJ
fsr-3223	156	31	descent	descent	NOUN
fsr-3223	156	32	”	"	PUNCT
fsr-3223	156	33	or	or	CCONJ
fsr-3223	156	34	“	"	PUNCT
fsr-3223	156	35	early	early	ADJ
fsr-3223	156	36	descent	descent	NOUN
fsr-3223	156	37	.	.	PUNCT
fsr-3223	156	38	”	"	PUNCT
fsr-3223	157	1	241s	241s	PROPN
fsr-3223	157	2	.	.	PUNCT
fsr-3223	158	1	singh	singh	PROPN
fsr-3223	158	2	/	/	SYM
fsr-3223	158	3	financial	financial	ADJ
fsr-3223	158	4	services	service	NOUN
fsr-3223	158	5	review	review	VERB
fsr-3223	158	6	25	25	NUM
fsr-3223	158	7	(	(	PUNCT
fsr-3223	158	8	2016	2016	NUM
fsr-3223	158	9	)	)	PUNCT
fsr-3223	158	10	235–262	235–262	NUM
fsr-3223	158	11	in	in	ADP
fsr-3223	158	12	late	late	ADJ
fsr-3223	158	13	descent	descent	NOUN
fsr-3223	158	14	glide	glide	NOUN
fsr-3223	158	15	paths	path	NOUN
fsr-3223	158	16	,	,	PUNCT
fsr-3223	158	17	the	the	DET
fsr-3223	158	18	percentage	percentage	NOUN
fsr-3223	158	19	of	of	ADP
fsr-3223	158	20	stocks	stock	NOUN
fsr-3223	158	21	stays	stay	VERB
fsr-3223	158	22	constant	constant	ADJ
fsr-3223	158	23	at	at	ADP
fsr-3223	158	24	a	a	DET
fsr-3223	158	25	high	high	ADJ
fsr-3223	158	26	proportion	proportion	NOUN
fsr-3223	158	27	for	for	ADP
fsr-3223	158	28	the	the	DET
fsr-3223	158	29	first	first	ADJ
fsr-3223	158	30	part	part	NOUN
fsr-3223	158	31	of	of	ADP
fsr-3223	158	32	the	the	DET
fsr-3223	158	33	life	life	NOUN
fsr-3223	158	34	cycle	cycle	NOUN
fsr-3223	158	35	and	and	CCONJ
fsr-3223	158	36	then	then	ADV
fsr-3223	158	37	begins	begin	VERB
fsr-3223	158	38	to	to	PART
fsr-3223	158	39	fall	fall	VERB
fsr-3223	158	40	rapidly	rapidly	ADV
fsr-3223	158	41	over	over	ADP
fsr-3223	158	42	the	the	DET
fsr-3223	158	43	latter	latter	ADJ
fsr-3223	158	44	part	part	NOUN
fsr-3223	158	45	of	of	ADP
fsr-3223	158	46	the	the	DET
fsr-3223	158	47	investment	investment	NOUN
fsr-3223	158	48	period	period	NOUN
fsr-3223	158	49	.	.	PUNCT
fsr-3223	159	1	in	in	ADP
fsr-3223	159	2	“	"	PUNCT
fsr-3223	159	3	early	early	ADJ
fsr-3223	159	4	descent	descent	NOUN
fsr-3223	159	5	”	"	PUNCT
fsr-3223	159	6	the	the	DET
fsr-3223	159	7	asset	asset	NOUN
fsr-3223	159	8	allocation	allocation	NOUN
fsr-3223	159	9	begins	begin	VERB
fsr-3223	159	10	with	with	ADP
fsr-3223	159	11	a	a	DET
fsr-3223	159	12	high	high	ADJ
fsr-3223	159	13	proportion	proportion	NOUN
fsr-3223	159	14	in	in	ADP
fsr-3223	159	15	equities	equity	NOUN
fsr-3223	159	16	and	and	CCONJ
fsr-3223	159	17	,	,	PUNCT
fsr-3223	159	18	the	the	DET
fsr-3223	159	19	percentage	percentage	NOUN
fsr-3223	159	20	of	of	ADP
fsr-3223	159	21	stocks	stock	NOUN
fsr-3223	159	22	falls	fall	VERB
fsr-3223	159	23	gradually	gradually	ADV
fsr-3223	159	24	over	over	ADP
fsr-3223	159	25	the	the	DET
fsr-3223	159	26	entire	entire	ADJ
fsr-3223	159	27	holding	hold	VERB
fsr-3223	159	28	period	period	NOUN
fsr-3223	159	29	.	.	PUNCT
fsr-3223	160	1	both	both	DET
fsr-3223	160	2	strategies	strategy	NOUN
fsr-3223	160	3	are	be	AUX
fsr-3223	160	4	shown	show	VERB
fsr-3223	160	5	to	to	PART
fsr-3223	160	6	be	be	AUX
fsr-3223	160	7	inferior	inferior	ADJ
fsr-3223	160	8	to	to	ADP
fsr-3223	160	9	a	a	DET
fsr-3223	160	10	static	static	ADJ
fsr-3223	160	11	allocation	allocation	NOUN
fsr-3223	160	12	.	.	PUNCT
fsr-3223	161	1	the	the	DET
fsr-3223	161	2	investment	investment	NOUN
fsr-3223	161	3	company	company	NOUN
fsr-3223	161	4	institute	institute	NOUN
fsr-3223	161	5	(	(	PUNCT
fsr-3223	161	6	2014	2014	NUM
fsr-3223	161	7	)	)	PUNCT
fsr-3223	161	8	uses	use	VERB
fsr-3223	161	9	three	three	NUM
fsr-3223	161	10	similar	similar	ADJ
fsr-3223	161	11	classifications	classification	NOUN
fsr-3223	161	12	to	to	PART
fsr-3223	161	13	illustrate	illustrate	VERB
fsr-3223	161	14	glide	glide	ADJ
fsr-3223	161	15	paths	path	NOUN
fsr-3223	161	16	.	.	PUNCT
fsr-3223	162	1	the	the	DET
fsr-3223	162	2	first	first	ADJ
fsr-3223	162	3	,	,	PUNCT
fsr-3223	162	4	“	"	PUNCT
fsr-3223	162	5	allocates	allocate	VERB
fsr-3223	162	6	50	50	NUM
fsr-3223	162	7	%	%	NOUN
fsr-3223	162	8	of	of	ADP
fsr-3223	162	9	its	its	PRON
fsr-3223	162	10	assets	asset	NOUN
fsr-3223	162	11	to	to	PART
fsr-3223	162	12	equity	equity	VERB
fsr-3223	162	13	as	as	ADP
fsr-3223	162	14	of	of	ADP
fsr-3223	162	15	the	the	DET
fsr-3223	162	16	target	target	NOUN
fsr-3223	162	17	date	date	NOUN
fsr-3223	162	18	(	(	PUNCT
fsr-3223	162	19	‘	'	PUNCT
fsr-3223	162	20	ret	ret	NOUN
fsr-3223	162	21	’	'	PUNCT
fsr-3223	162	22	)	)	PUNCT
fsr-3223	162	23	and	and	CCONJ
fsr-3223	162	24	reaches	reach	VERB
fsr-3223	162	25	its	its	PRON
fsr-3223	162	26	most	most	ADV
fsr-3223	162	27	conservative	conservative	ADJ
fsr-3223	162	28	allocation	allocation	NOUN
fsr-3223	162	29	(	(	PUNCT
fsr-3223	162	30	20	20	NUM
fsr-3223	162	31	%	%	NOUN
fsr-3223	162	32	equity	equity	NOUN
fsr-3223	162	33	)	)	PUNCT
fsr-3223	162	34	15	15	NUM
fsr-3223	162	35	years	year	NOUN
fsr-3223	162	36	later	later	ADV
fsr-3223	162	37	.	.	PUNCT
fsr-3223	162	38	”	"	PUNCT
fsr-3223	163	1	in	in	ADP
fsr-3223	163	2	the	the	DET
fsr-3223	163	3	second	second	NOUN
fsr-3223	163	4	,	,	PUNCT
fsr-3223	163	5	a	a	DET
fsr-3223	163	6	constant	constant	ADJ
fsr-3223	163	7	proportion	proportion	NOUN
fsr-3223	163	8	is	be	AUX
fsr-3223	163	9	maintained	maintain	VERB
fsr-3223	163	10	for	for	ADP
fsr-3223	163	11	the	the	DET
fsr-3223	163	12	first	first	ADJ
fsr-3223	163	13	20	20	NUM
fsr-3223	163	14	years	year	NOUN
fsr-3223	163	15	and	and	CCONJ
fsr-3223	163	16	then	then	ADV
fsr-3223	163	17	the	the	DET
fsr-3223	163	18	asset	asset	NOUN
fsr-3223	163	19	allocation	allocation	NOUN
fsr-3223	163	20	glides	glide	NOUN
fsr-3223	163	21	to	to	ADP
fsr-3223	163	22	the	the	DET
fsr-3223	163	23	most	most	ADV
fsr-3223	163	24	conservative	conservative	ADJ
fsr-3223	163	25	allocation	allocation	NOUN
fsr-3223	163	26	five	five	NUM
fsr-3223	163	27	years	year	NOUN
fsr-3223	163	28	before	before	ADP
fsr-3223	163	29	the	the	DET
fsr-3223	163	30	retirement	retirement	NOUN
fsr-3223	163	31	date	date	NOUN
fsr-3223	163	32	.	.	PUNCT
fsr-3223	164	1	in	in	ADP
fsr-3223	164	2	the	the	DET
fsr-3223	164	3	third	third	ADJ
fsr-3223	164	4	set	set	NOUN
fsr-3223	164	5	of	of	ADP
fsr-3223	164	6	glide	glide	NOUN
fsr-3223	164	7	paths	path	NOUN
fsr-3223	164	8	,	,	PUNCT
fsr-3223	164	9	a	a	DET
fsr-3223	164	10	constant	constant	ADJ
fsr-3223	164	11	allocation	allocation	NOUN
fsr-3223	164	12	is	be	AUX
fsr-3223	164	13	maintained	maintain	VERB
fsr-3223	164	14	in	in	ADP
fsr-3223	164	15	the	the	DET
fsr-3223	164	16	first	first	ADJ
fsr-3223	164	17	20	20	NUM
fsr-3223	164	18	years	year	NOUN
fsr-3223	164	19	and	and	CCONJ
fsr-3223	164	20	the	the	DET
fsr-3223	164	21	asset	asset	NOUN
fsr-3223	164	22	allocation	allocation	NOUN
fsr-3223	164	23	is	be	AUX
fsr-3223	164	24	gradually	gradually	ADV
fsr-3223	164	25	reduced	reduce	VERB
fsr-3223	164	26	to	to	ADP
fsr-3223	164	27	more	more	ADV
fsr-3223	164	28	conservative	conservative	ADJ
fsr-3223	164	29	through	through	ADP
fsr-3223	164	30	30	30	NUM
fsr-3223	164	31	years	year	NOUN
fsr-3223	164	32	into	into	ADP
fsr-3223	164	33	retirement	retirement	NOUN
fsr-3223	164	34	.	.	PUNCT
fsr-3223	165	1	even	even	ADV
fsr-3223	165	2	with	with	ADP
fsr-3223	165	3	same	same	ADJ
fsr-3223	165	4	securities	security	NOUN
fsr-3223	165	5	in	in	ADP
fsr-3223	165	6	all	all	DET
fsr-3223	165	7	portfolios	portfolio	NOUN
fsr-3223	165	8	in	in	ADP
fsr-3223	165	9	the	the	DET
fsr-3223	165	10	preceding	precede	VERB
fsr-3223	165	11	strategies	strategy	NOUN
fsr-3223	165	12	,	,	PUNCT
fsr-3223	165	13	the	the	DET
fsr-3223	165	14	investment	investment	NOUN
fsr-3223	165	15	outcomes	outcome	NOUN
fsr-3223	165	16	are	be	AUX
fsr-3223	165	17	likely	likely	ADJ
fsr-3223	165	18	to	to	PART
fsr-3223	165	19	be	be	AUX
fsr-3223	165	20	different	different	ADJ
fsr-3223	165	21	because	because	SCONJ
fsr-3223	165	22	of	of	ADP
fsr-3223	165	23	asset	asset	NOUN
fsr-3223	165	24	allocation	allocation	NOUN
fsr-3223	165	25	and	and	CCONJ
fsr-3223	165	26	its	its	PRON
fsr-3223	165	27	adjustment	adjustment	NOUN
fsr-3223	165	28	.	.	PUNCT
fsr-3223	166	1	the	the	DET
fsr-3223	166	2	other	other	ADJ
fsr-3223	166	3	factor	factor	NOUN
fsr-3223	166	4	affecting	affect	VERB
fsr-3223	166	5	the	the	DET
fsr-3223	166	6	investment	investment	NOUN
fsr-3223	166	7	outcome	outcome	NOUN
fsr-3223	166	8	in	in	ADP
fsr-3223	166	9	these	these	DET
fsr-3223	166	10	funds	fund	NOUN
fsr-3223	166	11	is	be	AUX
fsr-3223	166	12	the	the	DET
fsr-3223	166	13	investment	investment	NOUN
fsr-3223	166	14	strategy	strategy	NOUN
fsr-3223	166	15	and	and	CCONJ
fsr-3223	166	16	security	security	NOUN
fsr-3223	166	17	selection	selection	NOUN
fsr-3223	166	18	in	in	ADP
fsr-3223	166	19	the	the	DET
fsr-3223	166	20	portfolio	portfolio	NOUN
fsr-3223	166	21	.	.	PUNCT
fsr-3223	167	1	the	the	DET
fsr-3223	167	2	primary	primary	ADJ
fsr-3223	167	3	distinction	distinction	NOUN
fsr-3223	167	4	is	be	AUX
fsr-3223	167	5	between	between	ADP
fsr-3223	167	6	the	the	DET
fsr-3223	167	7	uses	use	NOUN
fsr-3223	167	8	of	of	ADP
fsr-3223	167	9	actively	actively	ADV
fsr-3223	167	10	and	and	CCONJ
fsr-3223	167	11	passively	passively	ADV
fsr-3223	167	12	managed	manage	VERB
fsr-3223	167	13	funds	fund	NOUN
fsr-3223	167	14	in	in	ADP
fsr-3223	167	15	the	the	DET
fsr-3223	167	16	lineup	lineup	NOUN
fsr-3223	167	17	.	.	PUNCT
fsr-3223	168	1	findings	finding	NOUN
fsr-3223	168	2	of	of	ADP
fsr-3223	168	3	the	the	DET
fsr-3223	168	4	ici	ici	PROPN
fsr-3223	168	5	study	study	PROPN
fsr-3223	168	6	broadly	broadly	ADV
fsr-3223	168	7	confirm	confirm	VERB
fsr-3223	168	8	results	result	NOUN
fsr-3223	168	9	reported	report	VERB
fsr-3223	168	10	by	by	ADP
fsr-3223	168	11	similar	similar	ADJ
fsr-3223	168	12	studies	study	NOUN
fsr-3223	168	13	related	relate	VERB
fsr-3223	168	14	to	to	ADP
fsr-3223	168	15	glide	glide	ADJ
fsr-3223	168	16	path	path	NOUN
fsr-3223	168	17	efficacy	efficacy	NOUN
fsr-3223	168	18	.	.	PUNCT
fsr-3223	169	1	arnott	arnott	PROPN
fsr-3223	169	2	,	,	PUNCT
fsr-3223	169	3	sherard	sherard	NOUN
fsr-3223	169	4	,	,	PUNCT
fsr-3223	169	5	and	and	CCONJ
fsr-3223	169	6	wu	wu	PROPN
fsr-3223	169	7	(	(	PUNCT
fsr-3223	169	8	2013	2013	NUM
fsr-3223	169	9	)	)	PUNCT
fsr-3223	169	10	are	be	AUX
fsr-3223	169	11	critical	critical	ADJ
fsr-3223	169	12	of	of	ADP
fsr-3223	169	13	traditional	traditional	ADJ
fsr-3223	169	14	glide	glide	NOUN
fsr-3223	169	15	paths	path	NOUN
fsr-3223	169	16	.	.	PUNCT
fsr-3223	170	1	if	if	SCONJ
fsr-3223	170	2	the	the	DET
fsr-3223	170	3	goal	goal	NOUN
fsr-3223	170	4	is	be	AUX
fsr-3223	170	5	to	to	PART
fsr-3223	170	6	maximize	maximize	VERB
fsr-3223	170	7	wealth	wealth	NOUN
fsr-3223	170	8	accumulation	accumulation	NOUN
fsr-3223	170	9	during	during	ADP
fsr-3223	170	10	earning	earn	VERB
fsr-3223	170	11	years	year	NOUN
fsr-3223	170	12	and	and	CCONJ
fsr-3223	170	13	minimize	minimize	VERB
fsr-3223	170	14	longevity	longevity	NOUN
fsr-3223	170	15	and	and	CCONJ
fsr-3223	170	16	lifestyle	lifestyle	NOUN
fsr-3223	170	17	risk	risk	NOUN
fsr-3223	170	18	during	during	ADP
fsr-3223	170	19	retirement	retirement	NOUN
fsr-3223	170	20	,	,	PUNCT
fsr-3223	170	21	they	they	PRON
fsr-3223	170	22	argue	argue	VERB
fsr-3223	170	23	that	that	SCONJ
fsr-3223	170	24	traditional	traditional	ADJ
fsr-3223	170	25	glide	glide	ADJ
fsr-3223	170	26	paths	path	NOUN
fsr-3223	170	27	fail	fail	VERB
fsr-3223	170	28	on	on	ADP
fsr-3223	170	29	both	both	DET
fsr-3223	170	30	accounts	account	NOUN
fsr-3223	170	31	.	.	PUNCT
fsr-3223	171	1	the	the	DET
fsr-3223	171	2	reasons	reason	NOUN
fsr-3223	171	3	for	for	ADP
fsr-3223	171	4	the	the	DET
fsr-3223	171	5	failure	failure	NOUN
fsr-3223	171	6	are	be	AUX
fsr-3223	171	7	suboptimal	suboptimal	ADJ
fsr-3223	171	8	asset	asset	NOUN
fsr-3223	171	9	class	class	NOUN
fsr-3223	171	10	exposure	exposure	NOUN
fsr-3223	171	11	,	,	PUNCT
fsr-3223	171	12	inefficient	inefficient	ADJ
fsr-3223	171	13	risk	risk	NOUN
fsr-3223	171	14	and	and	CCONJ
fsr-3223	171	15	return	return	VERB
fsr-3223	171	16	balance	balance	NOUN
fsr-3223	171	17	including	include	VERB
fsr-3223	171	18	lack	lack	NOUN
fsr-3223	171	19	of	of	ADP
fsr-3223	171	20	diversification	diversification	NOUN
fsr-3223	171	21	and	and	CCONJ
fsr-3223	171	22	an	an	DET
fsr-3223	171	23	assumption	assumption	NOUN
fsr-3223	171	24	of	of	ADP
fsr-3223	171	25	constant	constant	ADJ
fsr-3223	171	26	risk	risk	NOUN
fsr-3223	171	27	premiums	premium	NOUN
fsr-3223	171	28	.	.	PUNCT
fsr-3223	172	1	estrada	estrada	PROPN
fsr-3223	172	2	(	(	PUNCT
fsr-3223	172	3	2014	2014	NUM
fsr-3223	172	4	)	)	PUNCT
fsr-3223	172	5	validates	validate	VERB
fsr-3223	172	6	their	their	PRON
fsr-3223	172	7	findings	finding	NOUN
fsr-3223	172	8	in	in	ADP
fsr-3223	172	9	a	a	DET
fsr-3223	172	10	global	global	ADJ
fsr-3223	172	11	context	context	NOUN
fsr-3223	172	12	through	through	ADP
fsr-3223	172	13	analysis	analysis	NOUN
fsr-3223	172	14	of	of	ADP
fsr-3223	172	15	returns	return	NOUN
fsr-3223	172	16	of	of	ADP
fsr-3223	172	17	19	19	NUM
fsr-3223	172	18	countries	country	NOUN
fsr-3223	172	19	covering	cover	VERB
fsr-3223	172	20	a	a	DET
fsr-3223	172	21	period	period	NOUN
fsr-3223	172	22	of	of	ADP
fsr-3223	172	23	110	110	NUM
fsr-3223	172	24	years	year	NOUN
fsr-3223	172	25	.	.	PUNCT
fsr-3223	173	1	he	he	PRON
fsr-3223	173	2	finds	find	VERB
fsr-3223	173	3	that	that	SCONJ
fsr-3223	173	4	ten	ten	NUM
fsr-3223	173	5	alternate	alternate	ADJ
fsr-3223	173	6	strategies	strategy	NOUN
fsr-3223	173	7	that	that	PRON
fsr-3223	173	8	include	include	VERB
fsr-3223	173	9	five	five	NUM
fsr-3223	173	10	different	different	ADJ
fsr-3223	173	11	contrarian	contrarian	NOUN
fsr-3223	173	12	and	and	CCONJ
fsr-3223	173	13	five	five	NUM
fsr-3223	173	14	static	static	ADJ
fsr-3223	173	15	equity	equity	NOUN
fsr-3223	173	16	allocations	allocation	NOUN
fsr-3223	173	17	with	with	ADP
fsr-3223	173	18	varying	vary	VERB
fsr-3223	173	19	holding	hold	VERB
fsr-3223	173	20	periods	period	NOUN
fsr-3223	173	21	,	,	PUNCT
fsr-3223	173	22	tend	tend	VERB
fsr-3223	173	23	to	to	PART
fsr-3223	173	24	outperform	outperform	VERB
fsr-3223	173	25	traditional	traditional	ADJ
fsr-3223	173	26	glide	glide	NOUN
fsr-3223	173	27	paths	path	NOUN
fsr-3223	173	28	.	.	PUNCT
fsr-3223	174	1	the	the	DET
fsr-3223	174	2	interesting	interesting	ADJ
fsr-3223	174	3	query	query	NOUN
fsr-3223	174	4	raised	raise	VERB
fsr-3223	174	5	by	by	ADP
fsr-3223	174	6	both	both	DET
fsr-3223	174	7	sets	set	NOUN
fsr-3223	174	8	of	of	ADP
fsr-3223	174	9	authors	author	NOUN
fsr-3223	174	10	is	be	AUX
fsr-3223	174	11	what	what	PRON
fsr-3223	174	12	constitutes	constitute	VERB
fsr-3223	174	13	risk	risk	NOUN
fsr-3223	174	14	for	for	ADP
fsr-3223	174	15	an	an	DET
fsr-3223	174	16	individual	individual	ADJ
fsr-3223	174	17	investor	investor	NOUN
fsr-3223	174	18	.	.	PUNCT
fsr-3223	175	1	by	by	ADP
fsr-3223	175	2	traditional	traditional	ADJ
fsr-3223	175	3	measure	measure	NOUN
fsr-3223	175	4	of	of	ADP
fsr-3223	175	5	volatility	volatility	NOUN
fsr-3223	175	6	as	as	ADP
fsr-3223	175	7	a	a	DET
fsr-3223	175	8	proxy	proxy	NOUN
fsr-3223	175	9	for	for	ADP
fsr-3223	175	10	risk	risk	NOUN
fsr-3223	175	11	,	,	PUNCT
fsr-3223	175	12	tdfs	tdfs	NOUN
fsr-3223	175	13	tend	tend	VERB
fsr-3223	175	14	to	to	PART
fsr-3223	175	15	provide	provide	VERB
fsr-3223	175	16	greater	great	ADJ
fsr-3223	175	17	certainty	certainty	NOUN
fsr-3223	175	18	of	of	ADP
fsr-3223	175	19	outcomes	outcome	NOUN
fsr-3223	175	20	but	but	CCONJ
fsr-3223	175	21	as	as	SCONJ
fsr-3223	175	22	shown	show	VERB
fsr-3223	175	23	many	many	ADJ
fsr-3223	175	24	times	time	NOUN
fsr-3223	175	25	before	before	ADV
fsr-3223	175	26	,	,	PUNCT
fsr-3223	175	27	other	other	ADJ
fsr-3223	175	28	strategies	strategy	NOUN
fsr-3223	175	29	tend	tend	VERB
fsr-3223	175	30	to	to	PART
fsr-3223	175	31	provide	provide	VERB
fsr-3223	175	32	higher	high	ADJ
fsr-3223	175	33	end	end	NOUN
fsr-3223	175	34	of	of	ADP
fsr-3223	175	35	period	period	NOUN
fsr-3223	175	36	wealth	wealth	NOUN
fsr-3223	175	37	accumulation	accumulation	NOUN
fsr-3223	175	38	and	and	CCONJ
fsr-3223	175	39	lower	low	ADJ
fsr-3223	175	40	run	run	ADJ
fsr-3223	175	41	outs	out	NOUN
fsr-3223	175	42	(	(	PUNCT
fsr-3223	175	43	longevity	longevity	NOUN
fsr-3223	175	44	risk	risk	NOUN
fsr-3223	175	45	)	)	PUNCT
fsr-3223	175	46	.	.	PUNCT
fsr-3223	176	1	idzorek	idzorek	NOUN
fsr-3223	176	2	,	,	PUNCT
fsr-3223	176	3	stempien	stempien	NOUN
fsr-3223	176	4	,	,	PUNCT
fsr-3223	176	5	and	and	CCONJ
fsr-3223	176	6	voris	voris	ADV
fsr-3223	176	7	(	(	PUNCT
fsr-3223	176	8	2013	2013	NUM
fsr-3223	176	9	)	)	PUNCT
fsr-3223	176	10	provide	provide	VERB
fsr-3223	176	11	a	a	DET
fsr-3223	176	12	glide	glide	ADJ
fsr-3223	176	13	path	path	NOUN
fsr-3223	176	14	stability	stability	NOUN
fsr-3223	176	15	score	score	NOUN
fsr-3223	176	16	(	(	PUNCT
fsr-3223	176	17	gpss	gpss	PROPN
fsr-3223	176	18	)	)	PUNCT
fsr-3223	176	19	to	to	ADP
fsr-3223	176	20	each	each	DET
fsr-3223	176	21	fund	fund	NOUN
fsr-3223	176	22	family	family	NOUN
fsr-3223	176	23	offering	offering	NOUN
fsr-3223	176	24	tdfs	tdfs	NOUN
fsr-3223	176	25	.	.	PUNCT
fsr-3223	177	1	they	they	PRON
fsr-3223	177	2	calculate	calculate	VERB
fsr-3223	177	3	this	this	DET
fsr-3223	177	4	score	score	NOUN
fsr-3223	177	5	by	by	ADP
fsr-3223	177	6	comparing	compare	VERB
fsr-3223	177	7	the	the	DET
fsr-3223	177	8	consistency	consistency	NOUN
fsr-3223	177	9	in	in	ADP
fsr-3223	177	10	asset	asset	NOUN
fsr-3223	177	11	allocation	allocation	NOUN
fsr-3223	177	12	of	of	ADP
fsr-3223	177	13	different	different	ADJ
fsr-3223	177	14	vintage	vintage	NOUN
fsr-3223	177	15	tdfs	tdfs	NOUN
fsr-3223	177	16	from	from	ADP
fsr-3223	177	17	the	the	DET
fsr-3223	177	18	same	same	ADJ
fsr-3223	177	19	family	family	NOUN
fsr-3223	177	20	.	.	PUNCT
fsr-3223	178	1	a	a	DET
fsr-3223	178	2	lower	low	ADJ
fsr-3223	178	3	glide	glide	NOUN
fsr-3223	178	4	path	path	NOUN
fsr-3223	178	5	stability	stability	NOUN
fsr-3223	178	6	score	score	NOUN
fsr-3223	178	7	indicates	indicate	VERB
fsr-3223	178	8	that	that	SCONJ
fsr-3223	178	9	the	the	DET
fsr-3223	178	10	glide	glide	ADJ
fsr-3223	178	11	paths	path	NOUN
fsr-3223	178	12	of	of	ADP
fsr-3223	178	13	different	different	ADJ
fsr-3223	178	14	vintages	vintage	NOUN
fsr-3223	178	15	of	of	ADP
fsr-3223	178	16	the	the	DET
fsr-3223	178	17	same	same	ADJ
fsr-3223	178	18	family	family	NOUN
fsr-3223	178	19	have	have	VERB
fsr-3223	178	20	more	more	ADJ
fsr-3223	178	21	variability	variability	NOUN
fsr-3223	178	22	in	in	ADP
fsr-3223	178	23	asset	asset	NOUN
fsr-3223	178	24	allocation	allocation	NOUN
fsr-3223	178	25	for	for	ADP
fsr-3223	178	26	the	the	DET
fsr-3223	178	27	same	same	ADJ
fsr-3223	178	28	time	time	NOUN
fsr-3223	178	29	remaining	remain	VERB
fsr-3223	178	30	to	to	ADP
fsr-3223	178	31	retirement	retirement	NOUN
fsr-3223	178	32	.	.	PUNCT
fsr-3223	179	1	they	they	PRON
fsr-3223	179	2	conclude	conclude	VERB
fsr-3223	179	3	,	,	PUNCT
fsr-3223	179	4	“	"	PUNCT
fsr-3223	179	5	while	while	SCONJ
fsr-3223	179	6	glide	glide	ADJ
fsr-3223	179	7	path	path	NOUN
fsr-3223	179	8	changes	change	NOUN
fsr-3223	179	9	are	be	AUX
fsr-3223	179	10	not	not	PART
fsr-3223	179	11	necessarily	necessarily	ADV
fsr-3223	179	12	bad	bad	ADJ
fsr-3223	179	13	,	,	PUNCT
fsr-3223	179	14	we	we	PRON
fsr-3223	179	15	believe	believe	VERB
fsr-3223	179	16	that	that	SCONJ
fsr-3223	179	17	unannounced	unannounced	ADJ
fsr-3223	179	18	and	and	CCONJ
fsr-3223	179	19	unjustified	unjustified	ADJ
fsr-3223	179	20	changes	change	NOUN
fsr-3223	179	21	in	in	ADP
fsr-3223	179	22	glide	glide	ADJ
fsr-3223	179	23	paths	path	NOUN
fsr-3223	179	24	should	should	AUX
fsr-3223	179	25	be	be	AUX
fsr-3223	179	26	viewed	view	VERB
fsr-3223	179	27	with	with	ADP
fsr-3223	179	28	extreme	extreme	ADJ
fsr-3223	179	29	scrutiny	scrutiny	NOUN
fsr-3223	179	30	,	,	PUNCT
fsr-3223	179	31	given	give	VERB
fsr-3223	179	32	that	that	SCONJ
fsr-3223	179	33	investors	investor	NOUN
fsr-3223	179	34	and	and	CCONJ
fsr-3223	179	35	sponsors	sponsor	NOUN
fsr-3223	179	36	select	select	VERB
fsr-3223	179	37	these	these	DET
fsr-3223	179	38	investments	investment	NOUN
fsr-3223	179	39	based	base	VERB
fsr-3223	179	40	on	on	ADP
fsr-3223	179	41	expectations	expectation	NOUN
fsr-3223	179	42	of	of	ADP
fsr-3223	179	43	risk	risk	NOUN
fsr-3223	179	44	(	(	PUNCT
fsr-3223	179	45	p.	p.	NOUN
fsr-3223	179	46	81	81	NUM
fsr-3223	179	47	)	)	PUNCT
fsr-3223	179	48	.	.	PUNCT
fsr-3223	179	49	”	"	PUNCT
fsr-3223	180	1	optimal	optimal	ADJ
fsr-3223	180	2	glide	glide	NOUN
fsr-3223	180	3	paths	path	NOUN
fsr-3223	180	4	during	during	ADP
fsr-3223	180	5	retirement	retirement	NOUN
fsr-3223	180	6	have	have	AUX
fsr-3223	180	7	also	also	ADV
fsr-3223	180	8	received	receive	VERB
fsr-3223	180	9	some	some	DET
fsr-3223	180	10	attention	attention	NOUN
fsr-3223	180	11	from	from	ADP
fsr-3223	180	12	researchers	researcher	NOUN
fsr-3223	180	13	.	.	PUNCT
fsr-3223	181	1	spitzer	spitzer	PROPN
fsr-3223	181	2	and	and	CCONJ
fsr-3223	181	3	singh	singh	PROPN
fsr-3223	181	4	(	(	PUNCT
fsr-3223	181	5	2008	2008	NUM
fsr-3223	181	6	)	)	PUNCT
fsr-3223	181	7	use	use	VERB
fsr-3223	181	8	a	a	DET
fsr-3223	181	9	bootstrap	bootstrap	NOUN
fsr-3223	181	10	simulation	simulation	NOUN
fsr-3223	181	11	to	to	PART
fsr-3223	181	12	study	study	VERB
fsr-3223	181	13	the	the	DET
fsr-3223	181	14	shortfall	shortfall	NOUN
fsr-3223	181	15	risk	risk	NOUN
fsr-3223	181	16	of	of	ADP
fsr-3223	181	17	tdfs	tdfs	NOUN
fsr-3223	181	18	during	during	ADP
fsr-3223	181	19	the	the	DET
fsr-3223	181	20	retirement	retirement	NOUN
fsr-3223	181	21	years	year	NOUN
fsr-3223	181	22	.	.	PUNCT
fsr-3223	182	1	shortfall	shortfall	NOUN
fsr-3223	182	2	risk	risk	NOUN
fsr-3223	182	3	is	be	AUX
fsr-3223	182	4	defined	define	VERB
fsr-3223	182	5	as	as	ADP
fsr-3223	182	6	the	the	DET
fsr-3223	182	7	probability	probability	NOUN
fsr-3223	182	8	of	of	ADP
fsr-3223	182	9	running	run	VERB
fsr-3223	182	10	out	out	ADP
fsr-3223	182	11	of	of	ADP
fsr-3223	182	12	money	money	NOUN
fsr-3223	182	13	during	during	ADP
fsr-3223	182	14	retirement	retirement	NOUN
fsr-3223	182	15	.	.	PUNCT
fsr-3223	183	1	they	they	PRON
fsr-3223	183	2	classify	classify	VERB
fsr-3223	183	3	tdfs	tdfs	ADJ
fsr-3223	183	4	into	into	ADP
fsr-3223	183	5	three	three	NUM
fsr-3223	183	6	types	type	NOUN
fsr-3223	183	7	of	of	ADP
fsr-3223	183	8	glide	glide	ADJ
fsr-3223	183	9	paths	path	NOUN
fsr-3223	183	10	:	:	PUNCT
fsr-3223	183	11	steep	steep	ADJ
fsr-3223	183	12	,	,	PUNCT
fsr-3223	183	13	gentle	gentle	ADJ
fsr-3223	183	14	,	,	PUNCT
fsr-3223	183	15	and	and	CCONJ
fsr-3223	183	16	fixed	fix	VERB
fsr-3223	183	17	25/75	25/75	NUM
fsr-3223	183	18	.	.	PUNCT
fsr-3223	184	1	they	they	PRON
fsr-3223	184	2	show	show	VERB
fsr-3223	184	3	that	that	SCONJ
fsr-3223	184	4	all	all	DET
fsr-3223	184	5	three	three	NUM
fsr-3223	184	6	glide	glide	ADJ
fsr-3223	184	7	path	path	NOUN
fsr-3223	184	8	strategies	strategy	NOUN
fsr-3223	184	9	have	have	VERB
fsr-3223	184	10	higher	high	ADJ
fsr-3223	184	11	shortfall	shortfall	NOUN
fsr-3223	184	12	risk	risk	NOUN
fsr-3223	184	13	than	than	ADP
fsr-3223	184	14	a	a	DET
fsr-3223	184	15	constant	constant	ADJ
fsr-3223	184	16	50/50	50/50	NUM
fsr-3223	184	17	allocation	allocation	NOUN
fsr-3223	184	18	.	.	PUNCT
fsr-3223	185	1	they	they	PRON
fsr-3223	185	2	urge	urge	VERB
fsr-3223	185	3	the	the	DET
fsr-3223	185	4	designers	designer	NOUN
fsr-3223	185	5	of	of	ADP
fsr-3223	185	6	target	target	NOUN
fsr-3223	185	7	-	-	PUNCT
fsr-3223	185	8	date	date	NOUN
fsr-3223	185	9	mutual	mutual	ADJ
fsr-3223	185	10	funds	fund	NOUN
fsr-3223	185	11	to	to	PART
fsr-3223	185	12	“	"	PUNCT
fsr-3223	185	13	rethink	rethink	VERB
fsr-3223	185	14	their	their	PRON
fsr-3223	185	15	asset	asset	NOUN
fsr-3223	185	16	allocation	allocation	NOUN
fsr-3223	185	17	during	during	ADP
fsr-3223	185	18	retirement	retirement	NOUN
fsr-3223	185	19	(	(	PUNCT
fsr-3223	185	20	p.	p.	NOUN
fsr-3223	185	21	151	151	NUM
fsr-3223	185	22	)	)	PUNCT
fsr-3223	185	23	.	.	PUNCT
fsr-3223	185	24	”	"	PUNCT
fsr-3223	186	1	kalman	kalman	NOUN
fsr-3223	186	2	(	(	PUNCT
fsr-3223	186	3	2011	2011	NUM
fsr-3223	186	4	)	)	PUNCT
fsr-3223	186	5	uses	use	VERB
fsr-3223	186	6	a	a	DET
fsr-3223	186	7	similar	similar	ADJ
fsr-3223	186	8	bootstrap	bootstrap	NOUN
fsr-3223	186	9	242	242	NUM
fsr-3223	186	10	s.	s.	PROPN
fsr-3223	186	11	singh	singh	PROPN
fsr-3223	186	12	/	/	SYM
fsr-3223	186	13	financial	financial	ADJ
fsr-3223	186	14	services	service	NOUN
fsr-3223	186	15	review	review	VERB
fsr-3223	186	16	25	25	NUM
fsr-3223	186	17	(	(	PUNCT
fsr-3223	186	18	2016	2016	NUM
fsr-3223	186	19	)	)	PUNCT
fsr-3223	186	20	235–262	235–262	NUM
fsr-3223	186	21	methodology	methodology	NOUN
fsr-3223	186	22	to	to	PART
fsr-3223	186	23	confirm	confirm	VERB
fsr-3223	186	24	the	the	DET
fsr-3223	186	25	findings	finding	NOUN
fsr-3223	186	26	of	of	ADP
fsr-3223	186	27	spitzer	spitzer	PROPN
fsr-3223	186	28	and	and	CCONJ
fsr-3223	186	29	singh	singh	PROPN
fsr-3223	186	30	.	.	PUNCT
fsr-3223	187	1	he	he	PRON
fsr-3223	187	2	also	also	ADV
fsr-3223	187	3	demonstrates	demonstrate	VERB
fsr-3223	187	4	that	that	SCONJ
fsr-3223	187	5	after	after	ADP
fsr-3223	187	6	accounting	account	VERB
fsr-3223	187	7	for	for	ADP
fsr-3223	187	8	equity	equity	NOUN
fsr-3223	187	9	risk	risk	NOUN
fsr-3223	187	10	premium	premium	NOUN
fsr-3223	187	11	,	,	PUNCT
fsr-3223	187	12	a	a	DET
fsr-3223	187	13	bond	bond	NOUN
fsr-3223	187	14	heavy	heavy	ADJ
fsr-3223	187	15	portfolio	portfolio	NOUN
fsr-3223	187	16	in	in	ADP
fsr-3223	187	17	retirement	retirement	NOUN
fsr-3223	187	18	reduces	reduce	VERB
fsr-3223	187	19	the	the	DET
fsr-3223	187	20	probability	probability	NOUN
fsr-3223	187	21	of	of	ADP
fsr-3223	187	22	run	run	VERB
fsr-3223	187	23	outs	out	NOUN
fsr-3223	187	24	.	.	PUNCT
fsr-3223	188	1	the	the	DET
fsr-3223	188	2	question	question	NOUN
fsr-3223	188	3	of	of	ADP
fsr-3223	188	4	whether	whether	SCONJ
fsr-3223	188	5	glide	glide	ADJ
fsr-3223	188	6	paths	path	NOUN
fsr-3223	188	7	should	should	AUX
fsr-3223	188	8	end	end	VERB
fsr-3223	188	9	at	at	ADP
fsr-3223	188	10	retirement	retirement	NOUN
fsr-3223	188	11	or	or	CCONJ
fsr-3223	188	12	extend	extend	VERB
fsr-3223	188	13	through	through	ADP
fsr-3223	188	14	retirement	retirement	NOUN
fsr-3223	188	15	remains	remain	VERB
fsr-3223	188	16	unresolved	unresolved	ADJ
fsr-3223	188	17	.	.	PUNCT
fsr-3223	189	1	clark	clark	NOUN
fsr-3223	189	2	and	and	CCONJ
fsr-3223	189	3	hood	hood	NOUN
fsr-3223	189	4	(	(	PUNCT
fsr-3223	189	5	2009	2009	NUM
fsr-3223	189	6	)	)	PUNCT
fsr-3223	189	7	recognize	recognize	VERB
fsr-3223	189	8	the	the	DET
fsr-3223	189	9	need	need	NOUN
fsr-3223	189	10	for	for	ADP
fsr-3223	189	11	maintaining	maintain	VERB
fsr-3223	189	12	a	a	DET
fsr-3223	189	13	constant	constant	ADJ
fsr-3223	189	14	real	real	ADJ
fsr-3223	189	15	withdrawal	withdrawal	NOUN
fsr-3223	189	16	rate	rate	NOUN
fsr-3223	189	17	during	during	ADP
fsr-3223	189	18	retirement	retirement	NOUN
fsr-3223	189	19	.	.	PUNCT
fsr-3223	190	1	to	to	ADP
fsr-3223	190	2	that	that	DET
fsr-3223	190	3	end	end	NOUN
fsr-3223	190	4	,	,	PUNCT
fsr-3223	190	5	they	they	PRON
fsr-3223	190	6	focus	focus	VERB
fsr-3223	190	7	on	on	ADP
fsr-3223	190	8	designing	design	VERB
fsr-3223	190	9	tdfs	tdfs	NOUN
fsr-3223	190	10	that	that	PRON
fsr-3223	190	11	are	be	AUX
fsr-3223	190	12	especially	especially	ADV
fsr-3223	190	13	suitable	suitable	ADJ
fsr-3223	190	14	for	for	ADP
fsr-3223	190	15	the	the	DET
fsr-3223	190	16	withdrawal	withdrawal	NOUN
fsr-3223	190	17	phase	phase	NOUN
fsr-3223	190	18	of	of	ADP
fsr-3223	190	19	the	the	DET
fsr-3223	190	20	life	life	NOUN
fsr-3223	190	21	cycle	cycle	NOUN
fsr-3223	190	22	.	.	PUNCT
fsr-3223	191	1	such	such	ADJ
fsr-3223	191	2	tdfs	tdfs	NOUN
fsr-3223	191	3	will	will	AUX
fsr-3223	191	4	allocate	allocate	VERB
fsr-3223	191	5	higher	high	ADJ
fsr-3223	191	6	and	and	CCONJ
fsr-3223	191	7	a	a	DET
fsr-3223	191	8	constant	constant	ADJ
fsr-3223	191	9	proportion	proportion	NOUN
fsr-3223	191	10	to	to	ADP
fsr-3223	191	11	riskier	risky	ADJ
fsr-3223	191	12	assets	asset	NOUN
fsr-3223	191	13	to	to	PART
fsr-3223	191	14	accomplish	accomplish	VERB
fsr-3223	191	15	the	the	DET
fsr-3223	191	16	goal	goal	NOUN
fsr-3223	191	17	of	of	ADP
fsr-3223	191	18	constant	constant	ADJ
fsr-3223	191	19	real	real	ADJ
fsr-3223	191	20	withdrawals	withdrawal	NOUN
fsr-3223	191	21	during	during	ADP
fsr-3223	191	22	retirement	retirement	NOUN
fsr-3223	191	23	.	.	PUNCT
fsr-3223	192	1	this	this	PRON
fsr-3223	192	2	brings	bring	VERB
fsr-3223	192	3	up	up	ADP
fsr-3223	192	4	a	a	DET
fsr-3223	192	5	worthwhile	worthwhile	ADJ
fsr-3223	192	6	question	question	NOUN
fsr-3223	192	7	:	:	PUNCT
fsr-3223	192	8	how	how	SCONJ
fsr-3223	192	9	is	be	AUX
fsr-3223	192	10	the	the	DET
fsr-3223	192	11	choice	choice	NOUN
fsr-3223	192	12	of	of	ADP
fsr-3223	192	13	various	various	ADJ
fsr-3223	192	14	glide	glide	NOUN
fsr-3223	192	15	paths	path	NOUN
fsr-3223	192	16	supported	support	VERB
fsr-3223	192	17	by	by	ADP
fsr-3223	192	18	investment	investment	NOUN
fsr-3223	192	19	theory	theory	NOUN
fsr-3223	192	20	?	?	PUNCT
fsr-3223	193	1	two	two	NUM
fsr-3223	193	2	broad	broad	ADJ
fsr-3223	193	3	inter	inter	ADJ
fsr-3223	193	4	-	-	ADJ
fsr-3223	193	5	related	relate	VERB
fsr-3223	193	6	theoretical	theoretical	ADJ
fsr-3223	193	7	constructs	construct	NOUN
fsr-3223	193	8	are	be	AUX
fsr-3223	193	9	used	use	VERB
fsr-3223	193	10	to	to	PART
fsr-3223	193	11	examine	examine	VERB
fsr-3223	193	12	this	this	DET
fsr-3223	193	13	question	question	NOUN
fsr-3223	193	14	:	:	PUNCT
fsr-3223	193	15	(	(	PUNCT
fsr-3223	193	16	1	1	X
fsr-3223	193	17	)	)	PUNCT
fsr-3223	193	18	life	life	NOUN
fsr-3223	193	19	-	-	PUNCT
fsr-3223	193	20	cycle	cycle	NOUN
fsr-3223	193	21	investing	investing	NOUN
fsr-3223	193	22	incorporating	incorporate	VERB
fsr-3223	193	23	human	human	ADJ
fsr-3223	193	24	capital	capital	NOUN
fsr-3223	193	25	and	and	CCONJ
fsr-3223	193	26	,	,	PUNCT
fsr-3223	193	27	(	(	PUNCT
fsr-3223	193	28	2	2	X
fsr-3223	193	29	)	)	PUNCT
fsr-3223	193	30	liability	liability	NOUN
fsr-3223	193	31	driven	drive	VERB
fsr-3223	193	32	investing	investing	NOUN
fsr-3223	193	33	.	.	PUNCT
fsr-3223	194	1	these	these	PRON
fsr-3223	194	2	are	be	AUX
fsr-3223	194	3	often	often	ADV
fsr-3223	194	4	referred	refer	VERB
fsr-3223	194	5	to	to	ADP
fsr-3223	194	6	frequently	frequently	ADV
fsr-3223	194	7	in	in	ADP
fsr-3223	194	8	the	the	DET
fsr-3223	194	9	context	context	NOUN
fsr-3223	194	10	of	of	ADP
fsr-3223	194	11	glide	glide	NOUN
fsr-3223	194	12	paths	path	NOUN
fsr-3223	194	13	utilized	utilize	VERB
fsr-3223	194	14	by	by	ADP
fsr-3223	194	15	tdfs	tdfs	NOUN
fsr-3223	194	16	.	.	PUNCT
fsr-3223	195	1	a	a	DET
fsr-3223	195	2	discussion	discussion	NOUN
fsr-3223	195	3	of	of	ADP
fsr-3223	195	4	each	each	DET
fsr-3223	195	5	theory	theory	NOUN
fsr-3223	195	6	in	in	ADP
fsr-3223	195	7	the	the	DET
fsr-3223	195	8	context	context	NOUN
fsr-3223	195	9	of	of	ADP
fsr-3223	195	10	glide	glide	NOUN
fsr-3223	195	11	paths	path	NOUN
fsr-3223	195	12	is	be	AUX
fsr-3223	195	13	presented	present	VERB
fsr-3223	195	14	next	next	ADV
fsr-3223	195	15	.	.	PUNCT
fsr-3223	196	1	both	both	DET
fsr-3223	196	2	lines	line	NOUN
fsr-3223	196	3	of	of	ADP
fsr-3223	196	4	examination	examination	NOUN
fsr-3223	196	5	assume	assume	VERB
fsr-3223	196	6	an	an	DET
fsr-3223	196	7	underlying	underlying	ADJ
fsr-3223	196	8	adherence	adherence	NOUN
fsr-3223	196	9	to	to	ADP
fsr-3223	196	10	mean	mean	ADJ
fsr-3223	196	11	-	-	PUNCT
fsr-3223	196	12	variance	variance	NOUN
fsr-3223	196	13	optimization	optimization	NOUN
fsr-3223	196	14	and	and	CCONJ
fsr-3223	196	15	portfolio	portfolio	NOUN
fsr-3223	196	16	theory	theory	NOUN
fsr-3223	196	17	constructs	construct	VERB
fsr-3223	196	18	,	,	PUNCT
fsr-3223	196	19	albeit	albeit	SCONJ
fsr-3223	196	20	with	with	ADP
fsr-3223	196	21	constraints	constraint	NOUN
fsr-3223	196	22	in	in	ADP
fsr-3223	196	23	both	both	DET
fsr-3223	196	24	cases	case	NOUN
fsr-3223	196	25	.	.	PUNCT
fsr-3223	197	1	3.1	3.1	NUM
fsr-3223	197	2	.	.	PUNCT
fsr-3223	197	3	life	life	NOUN
fsr-3223	197	4	-	-	PUNCT
fsr-3223	197	5	cycle	cycle	NOUN
fsr-3223	197	6	investing	investing	NOUN
fsr-3223	197	7	incorporating	incorporate	VERB
fsr-3223	197	8	human	human	ADJ
fsr-3223	197	9	capital	capital	NOUN
fsr-3223	197	10	the	the	DET
fsr-3223	197	11	life	life	NOUN
fsr-3223	197	12	cycle	cycle	NOUN
fsr-3223	197	13	theory	theory	NOUN
fsr-3223	197	14	of	of	ADP
fsr-3223	197	15	consumption	consumption	NOUN
fsr-3223	197	16	and	and	CCONJ
fsr-3223	197	17	portfolio	portfolio	NOUN
fsr-3223	197	18	choice	choice	NOUN
fsr-3223	197	19	posits	posit	NOUN
fsr-3223	197	20	that	that	SCONJ
fsr-3223	197	21	at	at	ADP
fsr-3223	197	22	any	any	DET
fsr-3223	197	23	point	point	NOUN
fsr-3223	197	24	in	in	ADP
fsr-3223	197	25	time	time	NOUN
fsr-3223	197	26	in	in	ADP
fsr-3223	197	27	a	a	DET
fsr-3223	197	28	human	human	NOUN
fsr-3223	197	29	’s	’s	PART
fsr-3223	197	30	life	life	NOUN
fsr-3223	197	31	,	,	PUNCT
fsr-3223	197	32	one	one	PRON
fsr-3223	197	33	’s	’s	PART
fsr-3223	197	34	endowment	endowment	NOUN
fsr-3223	197	35	consists	consist	VERB
fsr-3223	197	36	of	of	ADP
fsr-3223	197	37	financial	financial	ADJ
fsr-3223	197	38	wealth	wealth	NOUN
fsr-3223	197	39	and	and	CCONJ
fsr-3223	197	40	human	human	ADJ
fsr-3223	197	41	capital	capital	NOUN
fsr-3223	197	42	.	.	PUNCT
fsr-3223	198	1	the	the	DET
fsr-3223	198	2	human	human	ADJ
fsr-3223	198	3	capital	capital	NOUN
fsr-3223	198	4	is	be	AUX
fsr-3223	198	5	the	the	DET
fsr-3223	198	6	present	present	ADJ
fsr-3223	198	7	value	value	NOUN
fsr-3223	198	8	of	of	ADP
fsr-3223	198	9	lifetime	lifetime	NOUN
fsr-3223	198	10	earnings	earning	NOUN
fsr-3223	198	11	,	,	PUNCT
fsr-3223	198	12	which	which	PRON
fsr-3223	198	13	is	be	AUX
fsr-3223	198	14	stochastic	stochastic	ADJ
fsr-3223	198	15	.	.	PUNCT
fsr-3223	199	1	this	this	DET
fsr-3223	199	2	variability	variability	NOUN
fsr-3223	199	3	in	in	ADP
fsr-3223	199	4	earnings	earning	NOUN
fsr-3223	199	5	results	result	NOUN
fsr-3223	199	6	from	from	ADP
fsr-3223	199	7	controllable	controllable	ADJ
fsr-3223	199	8	and	and	CCONJ
fsr-3223	199	9	uncontrollable	uncontrollable	ADJ
fsr-3223	199	10	factors	factor	NOUN
fsr-3223	199	11	.	.	PUNCT
fsr-3223	200	1	increasing	increase	VERB
fsr-3223	200	2	human	human	ADJ
fsr-3223	200	3	capital	capital	NOUN
fsr-3223	200	4	through	through	ADP
fsr-3223	200	5	skills	skill	NOUN
fsr-3223	200	6	and	and	CCONJ
fsr-3223	200	7	education	education	NOUN
fsr-3223	200	8	and	and	CCONJ
fsr-3223	200	9	the	the	DET
fsr-3223	200	10	ability	ability	NOUN
fsr-3223	200	11	to	to	PART
fsr-3223	200	12	work	work	VERB
fsr-3223	200	13	the	the	DET
fsr-3223	200	14	number	number	NOUN
fsr-3223	200	15	of	of	ADP
fsr-3223	200	16	hours	hour	NOUN
fsr-3223	200	17	chosen	choose	VERB
fsr-3223	200	18	along	along	ADP
fsr-3223	200	19	with	with	ADP
fsr-3223	200	20	capacity	capacity	NOUN
fsr-3223	200	21	to	to	PART
fsr-3223	200	22	retire	retire	VERB
fsr-3223	200	23	early	early	ADV
fsr-3223	200	24	can	can	AUX
fsr-3223	200	25	be	be	AUX
fsr-3223	200	26	treated	treat	VERB
fsr-3223	200	27	as	as	ADP
fsr-3223	200	28	controllable	controllable	ADJ
fsr-3223	200	29	factors	factor	NOUN
fsr-3223	200	30	.	.	PUNCT
fsr-3223	201	1	uncontrollable	uncontrollable	ADJ
fsr-3223	201	2	factors	factor	NOUN
fsr-3223	201	3	include	include	VERB
fsr-3223	201	4	being	be	AUX
fsr-3223	201	5	forced	force	VERB
fsr-3223	201	6	to	to	PART
fsr-3223	201	7	work	work	VERB
fsr-3223	201	8	fewer	few	ADJ
fsr-3223	201	9	than	than	ADP
fsr-3223	201	10	intended	intend	VERB
fsr-3223	201	11	hours	hour	NOUN
fsr-3223	201	12	or	or	CCONJ
fsr-3223	201	13	not	not	PART
fsr-3223	201	14	being	be	AUX
fsr-3223	201	15	able	able	ADJ
fsr-3223	201	16	to	to	PART
fsr-3223	201	17	work	work	VERB
fsr-3223	201	18	at	at	ADV
fsr-3223	201	19	all	all	ADV
fsr-3223	201	20	because	because	SCONJ
fsr-3223	201	21	of	of	ADP
fsr-3223	201	22	unemployment	unemployment	NOUN
fsr-3223	201	23	,	,	PUNCT
fsr-3223	201	24	sickness	sickness	NOUN
fsr-3223	201	25	or	or	CCONJ
fsr-3223	201	26	premature	premature	ADJ
fsr-3223	201	27	death	death	NOUN
fsr-3223	201	28	.	.	PUNCT
fsr-3223	202	1	over	over	ADP
fsr-3223	202	2	a	a	DET
fsr-3223	202	3	lifetime	lifetime	NOUN
fsr-3223	202	4	,	,	PUNCT
fsr-3223	202	5	an	an	DET
fsr-3223	202	6	individual	individual	ADJ
fsr-3223	202	7	converts	convert	VERB
fsr-3223	202	8	human	human	ADJ
fsr-3223	202	9	capital	capital	NOUN
fsr-3223	202	10	into	into	ADP
fsr-3223	202	11	financial	financial	ADJ
fsr-3223	202	12	capital	capital	NOUN
fsr-3223	202	13	and	and	CCONJ
fsr-3223	202	14	it	it	PRON
fsr-3223	202	15	is	be	AUX
fsr-3223	202	16	assumed	assume	VERB
fsr-3223	202	17	that	that	SCONJ
fsr-3223	202	18	one	one	PRON
fsr-3223	202	19	has	have	AUX
fsr-3223	202	20	exhausted	exhaust	VERB
fsr-3223	202	21	all	all	DET
fsr-3223	202	22	human	human	ADJ
fsr-3223	202	23	capital	capital	NOUN
fsr-3223	202	24	at	at	ADP
fsr-3223	202	25	retirement	retirement	NOUN
fsr-3223	202	26	.	.	PUNCT
fsr-3223	203	1	for	for	ADP
fsr-3223	203	2	a	a	DET
fsr-3223	203	3	detailed	detailed	ADJ
fsr-3223	203	4	exposition	exposition	NOUN
fsr-3223	203	5	,	,	PUNCT
fsr-3223	203	6	see	see	VERB
fsr-3223	203	7	mayers	mayer	NOUN
fsr-3223	203	8	(	(	PUNCT
fsr-3223	203	9	1972	1972	NUM
fsr-3223	203	10	)	)	PUNCT
fsr-3223	203	11	,	,	PUNCT
fsr-3223	203	12	williams	williams	PROPN
fsr-3223	203	13	(	(	PUNCT
fsr-3223	203	14	1978	1978	NUM
fsr-3223	203	15	)	)	PUNCT
fsr-3223	203	16	and	and	CCONJ
fsr-3223	203	17	merton	merton	X
fsr-3223	203	18	(	(	PUNCT
fsr-3223	203	19	1969	1969	NUM
fsr-3223	203	20	)	)	PUNCT
fsr-3223	203	21	.	.	PUNCT
fsr-3223	204	1	as	as	ADP
fsr-3223	204	2	a	a	DET
fsr-3223	204	3	practical	practical	ADJ
fsr-3223	204	4	application	application	NOUN
fsr-3223	204	5	of	of	ADP
fsr-3223	204	6	this	this	DET
fsr-3223	204	7	theory	theory	NOUN
fsr-3223	204	8	,	,	PUNCT
fsr-3223	204	9	financial	financial	ADJ
fsr-3223	204	10	advisors	advisor	NOUN
fsr-3223	204	11	usually	usually	ADV
fsr-3223	204	12	look	look	VERB
fsr-3223	204	13	at	at	ADP
fsr-3223	204	14	a	a	DET
fsr-3223	204	15	human	human	ADJ
fsr-3223	204	16	life	life	NOUN
fsr-3223	204	17	as	as	ADP
fsr-3223	204	18	compilation	compilation	NOUN
fsr-3223	204	19	of	of	ADP
fsr-3223	204	20	four	four	NUM
fsr-3223	204	21	consecutive	consecutive	ADJ
fsr-3223	204	22	stages	stage	NOUN
fsr-3223	204	23	:	:	PUNCT
fsr-3223	204	24	accumulation	accumulation	NOUN
fsr-3223	204	25	,	,	PUNCT
fsr-3223	204	26	consolidation	consolidation	NOUN
fsr-3223	204	27	,	,	PUNCT
fsr-3223	204	28	withdrawal	withdrawal	NOUN
fsr-3223	204	29	,	,	PUNCT
fsr-3223	204	30	and	and	CCONJ
fsr-3223	204	31	gifting	gift	VERB
fsr-3223	204	32	.	.	PUNCT
fsr-3223	205	1	the	the	DET
fsr-3223	205	2	first	first	ADJ
fsr-3223	205	3	stage	stage	NOUN
fsr-3223	205	4	starts	start	VERB
fsr-3223	205	5	when	when	SCONJ
fsr-3223	205	6	the	the	DET
fsr-3223	205	7	individual	individual	NOUN
fsr-3223	205	8	has	have	AUX
fsr-3223	205	9	accumulated	accumulate	VERB
fsr-3223	205	10	some	some	DET
fsr-3223	205	11	human	human	ADJ
fsr-3223	205	12	capital	capital	NOUN
fsr-3223	205	13	through	through	ADP
fsr-3223	205	14	training	training	NOUN
fsr-3223	205	15	and/or	and/or	CCONJ
fsr-3223	205	16	education	education	NOUN
fsr-3223	205	17	and	and	CCONJ
fsr-3223	205	18	is	be	AUX
fsr-3223	205	19	ready	ready	ADJ
fsr-3223	205	20	to	to	PART
fsr-3223	205	21	start	start	VERB
fsr-3223	205	22	the	the	DET
fsr-3223	205	23	conversion	conversion	NOUN
fsr-3223	205	24	of	of	ADP
fsr-3223	205	25	this	this	DET
fsr-3223	205	26	capital	capital	NOUN
fsr-3223	205	27	into	into	ADP
fsr-3223	205	28	financial	financial	ADJ
fsr-3223	205	29	capital	capital	NOUN
fsr-3223	205	30	.	.	PUNCT
fsr-3223	206	1	most	most	ADJ
fsr-3223	206	2	analysis	analysis	NOUN
fsr-3223	206	3	and	and	CCONJ
fsr-3223	206	4	research	research	NOUN
fsr-3223	206	5	assumes	assume	VERB
fsr-3223	206	6	an	an	DET
fsr-3223	206	7	initial	initial	ADJ
fsr-3223	206	8	endowment	endowment	NOUN
fsr-3223	206	9	of	of	ADP
fsr-3223	206	10	zero	zero	NUM
fsr-3223	206	11	for	for	ADP
fsr-3223	206	12	financial	financial	ADJ
fsr-3223	206	13	capital	capital	NOUN
fsr-3223	206	14	at	at	ADP
fsr-3223	206	15	the	the	DET
fsr-3223	206	16	start	start	NOUN
fsr-3223	206	17	of	of	ADP
fsr-3223	206	18	this	this	DET
fsr-3223	206	19	stage	stage	NOUN
fsr-3223	206	20	of	of	ADP
fsr-3223	206	21	the	the	DET
fsr-3223	206	22	life	life	NOUN
fsr-3223	206	23	cycle	cycle	NOUN
fsr-3223	206	24	.	.	PUNCT
fsr-3223	207	1	this	this	PRON
fsr-3223	207	2	is	be	AUX
fsr-3223	207	3	also	also	ADV
fsr-3223	207	4	perhaps	perhaps	ADV
fsr-3223	207	5	the	the	DET
fsr-3223	207	6	longest	long	ADJ
fsr-3223	207	7	of	of	ADP
fsr-3223	207	8	the	the	DET
fsr-3223	207	9	four	four	NUM
fsr-3223	207	10	stages	stage	NOUN
fsr-3223	207	11	of	of	ADP
fsr-3223	207	12	the	the	DET
fsr-3223	207	13	life	life	NOUN
fsr-3223	207	14	cycle	cycle	NOUN
fsr-3223	207	15	that	that	PRON
fsr-3223	207	16	starts	start	VERB
fsr-3223	207	17	at	at	ADP
fsr-3223	207	18	around	around	ADV
fsr-3223	207	19	22	22	NUM
fsr-3223	207	20	to	to	PART
fsr-3223	207	21	25	25	NUM
fsr-3223	207	22	years	year	NOUN
fsr-3223	207	23	of	of	ADP
fsr-3223	207	24	age	age	NOUN
fsr-3223	207	25	and	and	CCONJ
fsr-3223	207	26	continues	continue	VERB
fsr-3223	207	27	to	to	ADP
fsr-3223	207	28	about	about	ADV
fsr-3223	207	29	10	10	NUM
fsr-3223	207	30	years	year	NOUN
fsr-3223	207	31	before	before	ADP
fsr-3223	207	32	retirement	retirement	NOUN
fsr-3223	207	33	.	.	PUNCT
fsr-3223	208	1	the	the	DET
fsr-3223	208	2	consolidation	consolidation	NOUN
fsr-3223	208	3	phase	phase	NOUN
fsr-3223	208	4	usually	usually	ADV
fsr-3223	208	5	follows	follow	VERB
fsr-3223	208	6	the	the	DET
fsr-3223	208	7	accumulation	accumulation	NOUN
fsr-3223	208	8	phase	phase	NOUN
fsr-3223	208	9	.	.	PUNCT
fsr-3223	209	1	in	in	ADP
fsr-3223	209	2	this	this	DET
fsr-3223	209	3	phase	phase	NOUN
fsr-3223	209	4	,	,	PUNCT
fsr-3223	209	5	the	the	DET
fsr-3223	209	6	preparation	preparation	NOUN
fsr-3223	209	7	for	for	ADP
fsr-3223	209	8	retirement	retirement	NOUN
fsr-3223	209	9	begins	begin	VERB
fsr-3223	209	10	.	.	PUNCT
fsr-3223	210	1	the	the	DET
fsr-3223	210	2	primary	primary	ADJ
fsr-3223	210	3	activity	activity	NOUN
fsr-3223	210	4	during	during	ADP
fsr-3223	210	5	this	this	DET
fsr-3223	210	6	stage	stage	NOUN
fsr-3223	210	7	is	be	AUX
fsr-3223	210	8	the	the	DET
fsr-3223	210	9	transfer	transfer	NOUN
fsr-3223	210	10	of	of	ADP
fsr-3223	210	11	financial	financial	ADJ
fsr-3223	210	12	capital	capital	NOUN
fsr-3223	210	13	to	to	ADP
fsr-3223	210	14	less	less	ADV
fsr-3223	210	15	risky	risky	ADJ
fsr-3223	210	16	investments	investment	NOUN
fsr-3223	210	17	,	,	PUNCT
fsr-3223	210	18	since	since	SCONJ
fsr-3223	210	19	there	there	PRON
fsr-3223	210	20	is	be	VERB
fsr-3223	210	21	a	a	DET
fsr-3223	210	22	diminished	diminished	ADJ
fsr-3223	210	23	ability	ability	NOUN
fsr-3223	210	24	to	to	PART
fsr-3223	210	25	recover	recover	VERB
fsr-3223	210	26	from	from	ADP
fsr-3223	210	27	a	a	DET
fsr-3223	210	28	significant	significant	ADJ
fsr-3223	210	29	loss	loss	NOUN
fsr-3223	210	30	of	of	ADP
fsr-3223	210	31	portfolio	portfolio	NOUN
fsr-3223	210	32	value	value	NOUN
fsr-3223	210	33	because	because	SCONJ
fsr-3223	210	34	of	of	ADP
fsr-3223	210	35	a	a	DET
fsr-3223	210	36	shortened	shorten	VERB
fsr-3223	210	37	time	time	NOUN
fsr-3223	210	38	horizon	horizon	NOUN
fsr-3223	210	39	.	.	PUNCT
fsr-3223	211	1	after	after	ADP
fsr-3223	211	2	the	the	DET
fsr-3223	211	3	consolidation	consolidation	NOUN
fsr-3223	211	4	phase	phase	NOUN
fsr-3223	211	5	,	,	PUNCT
fsr-3223	211	6	the	the	DET
fsr-3223	211	7	depletion	depletion	NOUN
fsr-3223	211	8	of	of	ADP
fsr-3223	211	9	the	the	DET
fsr-3223	211	10	accumulated	accumulate	VERB
fsr-3223	211	11	financial	financial	ADJ
fsr-3223	211	12	capital	capital	NOUN
fsr-3223	211	13	starts	start	VERB
fsr-3223	211	14	in	in	ADP
fsr-3223	211	15	the	the	DET
fsr-3223	211	16	withdrawal	withdrawal	NOUN
fsr-3223	211	17	phase	phase	NOUN
fsr-3223	211	18	.	.	PUNCT
fsr-3223	212	1	the	the	DET
fsr-3223	212	2	final	final	ADJ
fsr-3223	212	3	stage	stage	NOUN
fsr-3223	212	4	of	of	ADP
fsr-3223	212	5	the	the	DET
fsr-3223	212	6	life	life	NOUN
fsr-3223	212	7	cycle	cycle	NOUN
fsr-3223	212	8	is	be	AUX
fsr-3223	212	9	the	the	DET
fsr-3223	212	10	gifting	gift	VERB
fsr-3223	212	11	phase	phase	NOUN
fsr-3223	212	12	where	where	SCONJ
fsr-3223	212	13	one	one	NUM
fsr-3223	212	14	plans	plan	NOUN
fsr-3223	212	15	for	for	ADP
fsr-3223	212	16	the	the	DET
fsr-3223	212	17	inevitable	inevitable	ADJ
fsr-3223	212	18	.	.	PUNCT
fsr-3223	213	1	243s	243s	NOUN
fsr-3223	213	2	.	.	PUNCT
fsr-3223	214	1	singh	singh	PROPN
fsr-3223	214	2	/	/	SYM
fsr-3223	214	3	financial	financial	ADJ
fsr-3223	214	4	services	service	NOUN
fsr-3223	214	5	review	review	VERB
fsr-3223	214	6	25	25	NUM
fsr-3223	214	7	(	(	PUNCT
fsr-3223	214	8	2016	2016	NUM
fsr-3223	214	9	)	)	PUNCT
fsr-3223	214	10	235–262	235–262	NUM
fsr-3223	214	11	while	while	SCONJ
fsr-3223	214	12	a	a	DET
fsr-3223	214	13	significant	significant	ADJ
fsr-3223	214	14	number	number	NOUN
fsr-3223	214	15	of	of	ADP
fsr-3223	214	16	tdfs	tdfs	NOUN
fsr-3223	214	17	broadly	broadly	ADV
fsr-3223	214	18	adhere	adhere	ADV
fsr-3223	214	19	to	to	ADP
fsr-3223	214	20	the	the	DET
fsr-3223	214	21	preceding	precede	VERB
fsr-3223	214	22	life	life	NOUN
fsr-3223	214	23	cycle	cycle	NOUN
fsr-3223	214	24	framework	framework	NOUN
fsr-3223	214	25	,	,	PUNCT
fsr-3223	214	26	there	there	PRON
fsr-3223	214	27	is	be	VERB
fsr-3223	214	28	a	a	DET
fsr-3223	214	29	wide	wide	ADJ
fsr-3223	214	30	disparity	disparity	NOUN
fsr-3223	214	31	in	in	ADP
fsr-3223	214	32	terms	term	NOUN
fsr-3223	214	33	of	of	ADP
fsr-3223	214	34	period	period	NOUN
fsr-3223	214	35	allocated	allocate	VERB
fsr-3223	214	36	to	to	ADP
fsr-3223	214	37	each	each	DET
fsr-3223	214	38	stage	stage	NOUN
fsr-3223	214	39	of	of	ADP
fsr-3223	214	40	the	the	DET
fsr-3223	214	41	cycle	cycle	NOUN
fsr-3223	214	42	.	.	PUNCT
fsr-3223	215	1	while	while	SCONJ
fsr-3223	215	2	some	some	DET
fsr-3223	215	3	funds	fund	NOUN
fsr-3223	215	4	move	move	VERB
fsr-3223	215	5	the	the	DET
fsr-3223	215	6	asset	asset	NOUN
fsr-3223	215	7	allocation	allocation	NOUN
fsr-3223	215	8	to	to	ADP
fsr-3223	215	9	bonds	bond	NOUN
fsr-3223	215	10	quite	quite	ADV
fsr-3223	215	11	early	early	ADV
fsr-3223	215	12	in	in	ADP
fsr-3223	215	13	the	the	DET
fsr-3223	215	14	cycle	cycle	NOUN
fsr-3223	215	15	,	,	PUNCT
fsr-3223	215	16	others	other	NOUN
fsr-3223	215	17	maintain	maintain	VERB
fsr-3223	215	18	a	a	DET
fsr-3223	215	19	constant	constant	ADJ
fsr-3223	215	20	exposure	exposure	NOUN
fsr-3223	215	21	to	to	ADP
fsr-3223	215	22	fixed	fix	VERB
fsr-3223	215	23	income	income	NOUN
fsr-3223	215	24	assets	asset	NOUN
fsr-3223	215	25	over	over	ADP
fsr-3223	215	26	extended	extended	ADJ
fsr-3223	215	27	periods	period	NOUN
fsr-3223	215	28	.	.	PUNCT
fsr-3223	216	1	research	research	NOUN
fsr-3223	216	2	themed	theme	VERB
fsr-3223	216	3	around	around	ADP
fsr-3223	216	4	human	human	ADJ
fsr-3223	216	5	capital	capital	NOUN
fsr-3223	216	6	and	and	CCONJ
fsr-3223	216	7	life	life	NOUN
fsr-3223	216	8	cycle	cycle	NOUN
fsr-3223	216	9	investing	invest	VERB
fsr-3223	216	10	relevant	relevant	ADJ
fsr-3223	216	11	to	to	ADP
fsr-3223	216	12	tdfs	tdfs	NOUN
fsr-3223	216	13	is	be	AUX
fsr-3223	216	14	discussed	discuss	VERB
fsr-3223	216	15	next	next	ADV
fsr-3223	216	16	.	.	PUNCT
fsr-3223	217	1	viciera	viciera	NOUN
fsr-3223	217	2	(	(	PUNCT
fsr-3223	217	3	2009	2009	NUM
fsr-3223	217	4	)	)	PUNCT
fsr-3223	217	5	describes	describe	VERB
fsr-3223	217	6	a	a	DET
fsr-3223	217	7	case	case	NOUN
fsr-3223	217	8	where	where	SCONJ
fsr-3223	217	9	an	an	DET
fsr-3223	217	10	individual	individual	NOUN
fsr-3223	217	11	has	have	VERB
fsr-3223	217	12	a	a	DET
fsr-3223	217	13	stable	stable	ADJ
fsr-3223	217	14	job	job	NOUN
fsr-3223	217	15	that	that	PRON
fsr-3223	217	16	implies	imply	VERB
fsr-3223	217	17	steady	steady	ADJ
fsr-3223	217	18	cash	cash	NOUN
fsr-3223	217	19	inflows	inflow	NOUN
fsr-3223	217	20	.	.	PUNCT
fsr-3223	218	1	the	the	DET
fsr-3223	218	2	employment	employment	NOUN
fsr-3223	218	3	prospects	prospect	NOUN
fsr-3223	218	4	and	and	CCONJ
fsr-3223	218	5	size	size	NOUN
fsr-3223	218	6	of	of	ADP
fsr-3223	218	7	compensation	compensation	NOUN
fsr-3223	218	8	are	be	AUX
fsr-3223	218	9	also	also	ADV
fsr-3223	218	10	not	not	PART
fsr-3223	218	11	highly	highly	ADV
fsr-3223	218	12	correlated	correlate	VERB
fsr-3223	218	13	with	with	ADP
fsr-3223	218	14	the	the	DET
fsr-3223	218	15	performance	performance	NOUN
fsr-3223	218	16	of	of	ADP
fsr-3223	218	17	the	the	DET
fsr-3223	218	18	stock	stock	NOUN
fsr-3223	218	19	market	market	NOUN
fsr-3223	218	20	.	.	PUNCT
fsr-3223	219	1	these	these	PRON
fsr-3223	219	2	resemble	resemble	VERB
fsr-3223	219	3	cash	cash	NOUN
fsr-3223	219	4	flows	flow	NOUN
fsr-3223	219	5	from	from	ADP
fsr-3223	219	6	a	a	DET
fsr-3223	219	7	bond	bond	NOUN
fsr-3223	219	8	more	more	ADJ
fsr-3223	219	9	than	than	ADP
fsr-3223	219	10	common	common	ADJ
fsr-3223	219	11	stock	stock	NOUN
fsr-3223	219	12	.	.	PUNCT
fsr-3223	220	1	this	this	PRON
fsr-3223	220	2	implies	imply	VERB
fsr-3223	220	3	that	that	SCONJ
fsr-3223	220	4	the	the	DET
fsr-3223	220	5	investment	investment	NOUN
fsr-3223	220	6	portfolio	portfolio	NOUN
fsr-3223	220	7	of	of	ADP
fsr-3223	220	8	such	such	DET
fsr-3223	220	9	an	an	DET
fsr-3223	220	10	individual	individual	NOUN
fsr-3223	220	11	should	should	AUX
fsr-3223	220	12	hold	hold	VERB
fsr-3223	220	13	a	a	DET
fsr-3223	220	14	high	high	ADJ
fsr-3223	220	15	proportion	proportion	NOUN
fsr-3223	220	16	of	of	ADP
fsr-3223	220	17	stocks	stock	NOUN
fsr-3223	220	18	.	.	PUNCT
fsr-3223	221	1	as	as	SCONJ
fsr-3223	221	2	one	one	PRON
fsr-3223	221	3	gets	get	VERB
fsr-3223	221	4	closer	close	ADJ
fsr-3223	221	5	to	to	ADP
fsr-3223	221	6	retirement	retirement	NOUN
fsr-3223	221	7	,	,	PUNCT
fsr-3223	221	8	the	the	DET
fsr-3223	221	9	bond	bond	NOUN
fsr-3223	221	10	like	like	ADP
fsr-3223	221	11	component	component	NOUN
fsr-3223	221	12	of	of	ADP
fsr-3223	221	13	one	one	NUM
fsr-3223	221	14	’s	’s	PART
fsr-3223	221	15	portfolio	portfolio	NOUN
fsr-3223	221	16	(	(	PUNCT
fsr-3223	221	17	human	human	ADJ
fsr-3223	221	18	capital	capital	NOUN
fsr-3223	221	19	)	)	PUNCT
fsr-3223	221	20	is	be	AUX
fsr-3223	221	21	depleted	deplete	VERB
fsr-3223	221	22	.	.	PUNCT
fsr-3223	222	1	this	this	PRON
fsr-3223	222	2	creates	create	VERB
fsr-3223	222	3	the	the	DET
fsr-3223	222	4	need	need	NOUN
fsr-3223	222	5	to	to	PART
fsr-3223	222	6	increase	increase	VERB
fsr-3223	222	7	actual	actual	ADJ
fsr-3223	222	8	bonds	bond	NOUN
fsr-3223	222	9	in	in	ADP
fsr-3223	222	10	this	this	DET
fsr-3223	222	11	integrated	integrate	VERB
fsr-3223	222	12	portfolio	portfolio	NOUN
fsr-3223	222	13	.	.	PUNCT
fsr-3223	223	1	viceira	viceira	PROPN
fsr-3223	223	2	also	also	ADV
fsr-3223	223	3	indicates	indicate	VERB
fsr-3223	223	4	that	that	SCONJ
fsr-3223	223	5	in	in	ADP
fsr-3223	223	6	cases	case	NOUN
fsr-3223	223	7	where	where	SCONJ
fsr-3223	223	8	human	human	ADJ
fsr-3223	223	9	capital	capital	NOUN
fsr-3223	223	10	is	be	AUX
fsr-3223	223	11	volatile	volatile	ADJ
fsr-3223	223	12	and	and	CCONJ
fsr-3223	223	13	strongly	strongly	ADV
fsr-3223	223	14	positively	positively	ADV
fsr-3223	223	15	correlated	correlate	VERB
fsr-3223	223	16	to	to	ADP
fsr-3223	223	17	the	the	DET
fsr-3223	223	18	stock	stock	NOUN
fsr-3223	223	19	market	market	NOUN
fsr-3223	223	20	,	,	PUNCT
fsr-3223	223	21	equity	equity	NOUN
fsr-3223	223	22	exposure	exposure	NOUN
fsr-3223	223	23	should	should	AUX
fsr-3223	223	24	be	be	AUX
fsr-3223	223	25	limited	limit	VERB
fsr-3223	223	26	.	.	PUNCT
fsr-3223	224	1	finally	finally	ADV
fsr-3223	224	2	,	,	PUNCT
fsr-3223	224	3	since	since	SCONJ
fsr-3223	224	4	expected	expect	VERB
fsr-3223	224	5	returns	return	NOUN
fsr-3223	224	6	change	change	VERB
fsr-3223	224	7	over	over	ADP
fsr-3223	224	8	long	long	ADJ
fsr-3223	224	9	holding	holding	NOUN
fsr-3223	224	10	periods	period	NOUN
fsr-3223	224	11	,	,	PUNCT
fsr-3223	224	12	occasional	occasional	ADJ
fsr-3223	224	13	adjustments	adjustment	NOUN
fsr-3223	224	14	to	to	ADP
fsr-3223	224	15	glide	glide	NOUN
fsr-3223	224	16	paths	path	NOUN
fsr-3223	224	17	may	may	AUX
fsr-3223	224	18	be	be	AUX
fsr-3223	224	19	useful	useful	ADJ
fsr-3223	224	20	.	.	PUNCT
fsr-3223	225	1	he	he	PRON
fsr-3223	225	2	concludes	conclude	VERB
fsr-3223	225	3	that	that	SCONJ
fsr-3223	225	4	target	target	NOUN
fsr-3223	225	5	date	date	NOUN
fsr-3223	225	6	investing	investing	NOUN
fsr-3223	225	7	is	be	AUX
fsr-3223	225	8	consistent	consistent	ADJ
fsr-3223	225	9	with	with	ADP
fsr-3223	225	10	the	the	DET
fsr-3223	225	11	human	human	ADJ
fsr-3223	225	12	capital	capital	NOUN
fsr-3223	225	13	approach	approach	NOUN
fsr-3223	225	14	.	.	PUNCT
fsr-3223	226	1	for	for	ADP
fsr-3223	226	2	long	long	ADJ
fsr-3223	226	3	holding	holding	NOUN
fsr-3223	226	4	periods	period	NOUN
fsr-3223	226	5	viciera	viciera	NOUN
fsr-3223	226	6	(	(	PUNCT
fsr-3223	226	7	2009	2009	NUM
fsr-3223	226	8	)	)	PUNCT
fsr-3223	226	9	finds	find	VERB
fsr-3223	226	10	that	that	SCONJ
fsr-3223	226	11	having	have	VERB
fsr-3223	226	12	a	a	DET
fsr-3223	226	13	tdf	tdf	NOUN
fsr-3223	226	14	in	in	ADP
fsr-3223	226	15	a	a	DET
fsr-3223	226	16	pension	pension	NOUN
fsr-3223	226	17	plan	plan	NOUN
fsr-3223	226	18	as	as	SCONJ
fsr-3223	226	19	compared	compare	VERB
fsr-3223	226	20	to	to	ADP
fsr-3223	226	21	a	a	DET
fsr-3223	226	22	money	money	NOUN
fsr-3223	226	23	market	market	NOUN
fsr-3223	226	24	fund	fund	NOUN
fsr-3223	226	25	alone	alone	ADV
fsr-3223	226	26	results	result	VERB
fsr-3223	226	27	in	in	ADP
fsr-3223	226	28	higher	high	ADJ
fsr-3223	226	29	utility	utility	NOUN
fsr-3223	226	30	for	for	ADP
fsr-3223	226	31	the	the	DET
fsr-3223	226	32	participant	participant	NOUN
fsr-3223	226	33	.	.	PUNCT
fsr-3223	227	1	another	another	DET
fsr-3223	227	2	suggestion	suggestion	NOUN
fsr-3223	227	3	for	for	ADP
fsr-3223	227	4	better	well	ADJ
fsr-3223	227	5	tdf	tdf	PROPN
fsr-3223	227	6	design	design	NOUN
fsr-3223	227	7	implies	imply	VERB
fsr-3223	227	8	a	a	DET
fsr-3223	227	9	significant	significant	ADJ
fsr-3223	227	10	exposure	exposure	NOUN
fsr-3223	227	11	to	to	ADP
fsr-3223	227	12	real	real	ADJ
fsr-3223	227	13	assets	asset	NOUN
fsr-3223	227	14	in	in	ADP
fsr-3223	227	15	the	the	DET
fsr-3223	227	16	asset	asset	NOUN
fsr-3223	227	17	allocation	allocation	NOUN
fsr-3223	227	18	.	.	PUNCT
fsr-3223	228	1	funds	fund	NOUN
fsr-3223	228	2	with	with	ADP
fsr-3223	228	3	higher	high	ADJ
fsr-3223	228	4	allocation	allocation	NOUN
fsr-3223	228	5	to	to	ADP
fsr-3223	228	6	tips	tip	NOUN
fsr-3223	228	7	,	,	PUNCT
fsr-3223	228	8	therefore	therefore	ADV
fsr-3223	228	9	,	,	PUNCT
fsr-3223	228	10	are	be	AUX
fsr-3223	228	11	superior	superior	ADJ
fsr-3223	228	12	in	in	ADP
fsr-3223	228	13	design	design	NOUN
fsr-3223	228	14	in	in	ADP
fsr-3223	228	15	viciera	viciera	NOUN
fsr-3223	228	16	’s	’s	PART
fsr-3223	228	17	view	view	NOUN
fsr-3223	228	18	.	.	PUNCT
fsr-3223	229	1	with	with	ADP
fsr-3223	229	2	respect	respect	NOUN
fsr-3223	229	3	to	to	ADP
fsr-3223	229	4	accumulation	accumulation	NOUN
fsr-3223	229	5	years	year	NOUN
fsr-3223	229	6	,	,	PUNCT
fsr-3223	229	7	shiller	shiller	PROPN
fsr-3223	229	8	(	(	PUNCT
fsr-3223	229	9	2005	2005	NUM
fsr-3223	229	10	)	)	PUNCT
fsr-3223	229	11	makes	make	VERB
fsr-3223	229	12	some	some	DET
fsr-3223	229	13	interesting	interesting	ADJ
fsr-3223	229	14	observations	observation	NOUN
fsr-3223	229	15	.	.	PUNCT
fsr-3223	230	1	the	the	DET
fsr-3223	230	2	optimal	optimal	ADJ
fsr-3223	230	3	asset	asset	NOUN
fsr-3223	230	4	allocation	allocation	NOUN
fsr-3223	230	5	between	between	ADP
fsr-3223	230	6	human	human	ADJ
fsr-3223	230	7	and	and	CCONJ
fsr-3223	230	8	equity	equity	NOUN
fsr-3223	230	9	capital	capital	NOUN
fsr-3223	230	10	is	be	AUX
fsr-3223	230	11	dependent	dependent	ADJ
fsr-3223	230	12	on	on	ADP
fsr-3223	230	13	the	the	DET
fsr-3223	230	14	correlation	correlation	NOUN
fsr-3223	230	15	between	between	ADP
fsr-3223	230	16	the	the	DET
fsr-3223	230	17	returns	return	NOUN
fsr-3223	230	18	of	of	ADP
fsr-3223	230	19	these	these	DET
fsr-3223	230	20	two	two	NUM
fsr-3223	230	21	assets	asset	NOUN
fsr-3223	230	22	.	.	PUNCT
fsr-3223	231	1	he	he	PRON
fsr-3223	231	2	notes	note	VERB
fsr-3223	231	3	that	that	SCONJ
fsr-3223	231	4	these	these	DET
fsr-3223	231	5	correlation	correlation	NOUN
fsr-3223	231	6	estimates	estimate	NOUN
fsr-3223	231	7	vary	vary	VERB
fsr-3223	231	8	over	over	ADP
fsr-3223	231	9	a	a	DET
fsr-3223	231	10	broad	broad	ADJ
fsr-3223	231	11	range	range	NOUN
fsr-3223	231	12	.	.	PUNCT
fsr-3223	232	1	he	he	PRON
fsr-3223	232	2	also	also	ADV
fsr-3223	232	3	points	point	VERB
fsr-3223	232	4	to	to	PART
fsr-3223	232	5	recommended	recommend	VERB
fsr-3223	232	6	equity	equity	NOUN
fsr-3223	232	7	exposures	exposure	NOUN
fsr-3223	232	8	as	as	ADP
fsr-3223	232	9	a	a	DET
fsr-3223	232	10	proportion	proportion	NOUN
fsr-3223	232	11	of	of	ADP
fsr-3223	232	12	portfolio	portfolio	NOUN
fsr-3223	232	13	value	value	NOUN
fsr-3223	232	14	in	in	ADP
fsr-3223	232	15	the	the	DET
fsr-3223	232	16	literature	literature	NOUN
fsr-3223	232	17	,	,	PUNCT
fsr-3223	232	18	of	of	ADP
fsr-3223	232	19	as	as	ADV
fsr-3223	232	20	low	low	ADJ
fsr-3223	232	21	as	as	ADP
fsr-3223	232	22	20	20	NUM
fsr-3223	232	23	%	%	NOUN
fsr-3223	232	24	to	to	ADP
fsr-3223	232	25	as	as	ADV
fsr-3223	232	26	high	high	ADJ
fsr-3223	232	27	as	as	ADP
fsr-3223	232	28	300	300	NUM
fsr-3223	232	29	%	%	NOUN
fsr-3223	232	30	for	for	ADP
fsr-3223	232	31	young	young	ADJ
fsr-3223	232	32	workers	worker	NOUN
fsr-3223	232	33	depending	depend	VERB
fsr-3223	232	34	on	on	ADP
fsr-3223	232	35	the	the	DET
fsr-3223	232	36	assumptions	assumption	NOUN
fsr-3223	232	37	made	make	VERB
fsr-3223	232	38	regarding	regard	VERB
fsr-3223	232	39	the	the	DET
fsr-3223	232	40	relationship	relationship	NOUN
fsr-3223	232	41	of	of	ADP
fsr-3223	232	42	human	human	ADJ
fsr-3223	232	43	capital	capital	NOUN
fsr-3223	232	44	and	and	CCONJ
fsr-3223	232	45	equity	equity	NOUN
fsr-3223	232	46	returns	return	NOUN
fsr-3223	232	47	.	.	PUNCT
fsr-3223	233	1	a	a	DET
fsr-3223	233	2	comprehensive	comprehensive	ADJ
fsr-3223	233	3	examination	examination	NOUN
fsr-3223	233	4	of	of	ADP
fsr-3223	233	5	the	the	DET
fsr-3223	233	6	influence	influence	NOUN
fsr-3223	233	7	of	of	ADP
fsr-3223	233	8	labor	labor	NOUN
fsr-3223	233	9	income	income	NOUN
fsr-3223	233	10	on	on	ADP
fsr-3223	233	11	the	the	DET
fsr-3223	233	12	portfolio	portfolio	NOUN
fsr-3223	233	13	decision	decision	NOUN
fsr-3223	233	14	is	be	AUX
fsr-3223	233	15	provided	provide	VERB
fsr-3223	233	16	by	by	ADP
fsr-3223	233	17	cocco	cocco	PROPN
fsr-3223	233	18	et	et	PROPN
fsr-3223	233	19	al	al	PROPN
fsr-3223	233	20	.	.	PROPN
fsr-3223	234	1	(	(	PUNCT
fsr-3223	234	2	2005	2005	NUM
fsr-3223	234	3	)	)	PUNCT
fsr-3223	234	4	.	.	PUNCT
fsr-3223	235	1	this	this	PRON
fsr-3223	235	2	provides	provide	VERB
fsr-3223	235	3	a	a	DET
fsr-3223	235	4	good	good	ADJ
fsr-3223	235	5	basis	basis	NOUN
fsr-3223	235	6	for	for	ADP
fsr-3223	235	7	a	a	DET
fsr-3223	235	8	discussion	discussion	NOUN
fsr-3223	235	9	on	on	ADP
fsr-3223	235	10	the	the	DET
fsr-3223	235	11	optimal	optimal	ADJ
fsr-3223	235	12	design	design	NOUN
fsr-3223	235	13	of	of	ADP
fsr-3223	235	14	glide	glide	ADJ
fsr-3223	235	15	paths	path	NOUN
fsr-3223	235	16	as	as	ADV
fsr-3223	235	17	related	relate	VERB
fsr-3223	235	18	to	to	ADP
fsr-3223	235	19	tdfs	tdf	VERB
fsr-3223	235	20	.	.	PUNCT
fsr-3223	236	1	in	in	ADP
fsr-3223	236	2	the	the	DET
fsr-3223	236	3	presence	presence	NOUN
fsr-3223	236	4	of	of	ADP
fsr-3223	236	5	labor	labor	NOUN
fsr-3223	236	6	income	income	NOUN
fsr-3223	236	7	that	that	PRON
fsr-3223	236	8	has	have	VERB
fsr-3223	236	9	low	low	ADJ
fsr-3223	236	10	correlation	correlation	NOUN
fsr-3223	236	11	to	to	ADP
fsr-3223	236	12	equity	equity	NOUN
fsr-3223	236	13	returns	return	NOUN
fsr-3223	236	14	they	they	PRON
fsr-3223	236	15	find	find	VERB
fsr-3223	236	16	support	support	NOUN
fsr-3223	236	17	for	for	ADP
fsr-3223	236	18	decreasing	decrease	VERB
fsr-3223	236	19	proportion	proportion	NOUN
fsr-3223	236	20	of	of	ADP
fsr-3223	236	21	equity	equity	NOUN
fsr-3223	236	22	investments	investment	NOUN
fsr-3223	236	23	as	as	ADP
fsr-3223	236	24	one	one	NUM
fsr-3223	236	25	ages	age	NOUN
fsr-3223	236	26	.	.	PUNCT
fsr-3223	237	1	an	an	DET
fsr-3223	237	2	interesting	interesting	ADJ
fsr-3223	237	3	find	find	NOUN
fsr-3223	237	4	was	be	AUX
fsr-3223	237	5	that	that	SCONJ
fsr-3223	237	6	the	the	DET
fsr-3223	237	7	most	most	ADV
fsr-3223	237	8	significant	significant	ADJ
fsr-3223	237	9	welfare	welfare	NOUN
fsr-3223	237	10	loss	loss	NOUN
fsr-3223	237	11	of	of	ADP
fsr-3223	237	12	about	about	ADV
fsr-3223	237	13	2	2	NUM
fsr-3223	237	14	%	%	NOUN
fsr-3223	237	15	per	per	ADP
fsr-3223	237	16	year	year	NOUN
fsr-3223	237	17	occurs	occur	VERB
fsr-3223	237	18	when	when	SCONJ
fsr-3223	237	19	one	one	PRON
fsr-3223	237	20	ignores	ignore	VERB
fsr-3223	237	21	labor	labor	NOUN
fsr-3223	237	22	income	income	NOUN
fsr-3223	237	23	in	in	ADP
fsr-3223	237	24	the	the	DET
fsr-3223	237	25	portfolio	portfolio	NOUN
fsr-3223	237	26	decision	decision	NOUN
fsr-3223	237	27	.	.	PUNCT
fsr-3223	238	1	the	the	DET
fsr-3223	238	2	loss	loss	NOUN
fsr-3223	238	3	is	be	AUX
fsr-3223	238	4	less	less	ADV
fsr-3223	238	5	significant	significant	ADJ
fsr-3223	238	6	when	when	SCONJ
fsr-3223	238	7	one	one	PRON
fsr-3223	238	8	ignores	ignore	VERB
fsr-3223	238	9	labor	labor	NOUN
fsr-3223	238	10	income	income	NOUN
fsr-3223	238	11	risk	risk	NOUN
fsr-3223	238	12	only	only	ADV
fsr-3223	238	13	.	.	PUNCT
fsr-3223	239	1	the	the	DET
fsr-3223	239	2	most	most	ADV
fsr-3223	239	3	significant	significant	ADJ
fsr-3223	239	4	loss	loss	NOUN
fsr-3223	239	5	in	in	ADP
fsr-3223	239	6	welfare	welfare	NOUN
fsr-3223	239	7	arises	arise	VERB
fsr-3223	239	8	from	from	ADP
fsr-3223	239	9	“	"	PUNCT
fsr-3223	239	10	disastrous	disastrous	ADJ
fsr-3223	239	11	labor	labor	NOUN
fsr-3223	239	12	income	income	NOUN
fsr-3223	239	13	realization	realization	NOUN
fsr-3223	239	14	,	,	PUNCT
fsr-3223	239	15	”	"	PUNCT
fsr-3223	239	16	meaning	mean	VERB
fsr-3223	239	17	unemployment	unemployment	NOUN
fsr-3223	239	18	or	or	CCONJ
fsr-3223	239	19	disability	disability	NOUN
fsr-3223	239	20	unsupported	unsupported	ADJ
fsr-3223	239	21	by	by	ADP
fsr-3223	239	22	safety	safety	NOUN
fsr-3223	239	23	nets	net	NOUN
fsr-3223	239	24	.	.	PUNCT
fsr-3223	240	1	in	in	ADP
fsr-3223	240	2	light	light	NOUN
fsr-3223	240	3	of	of	ADP
fsr-3223	240	4	the	the	DET
fsr-3223	240	5	findings	finding	NOUN
fsr-3223	240	6	,	,	PUNCT
fsr-3223	240	7	glide	glide	NOUN
fsr-3223	240	8	paths	path	NOUN
fsr-3223	240	9	that	that	PRON
fsr-3223	240	10	have	have	VERB
fsr-3223	240	11	declining	decline	VERB
fsr-3223	240	12	equity	equity	NOUN
fsr-3223	240	13	exposures	exposure	NOUN
fsr-3223	240	14	over	over	ADP
fsr-3223	240	15	time	time	NOUN
fsr-3223	240	16	,	,	PUNCT
fsr-3223	240	17	that	that	PRON
fsr-3223	240	18	incorporate	incorporate	VERB
fsr-3223	240	19	nontraded	nontraded	ADJ
fsr-3223	240	20	labor	labor	NOUN
fsr-3223	240	21	income	income	NOUN
fsr-3223	240	22	in	in	ADP
fsr-3223	240	23	the	the	DET
fsr-3223	240	24	asset	asset	NOUN
fsr-3223	240	25	allocation	allocation	NOUN
fsr-3223	240	26	choices	choice	NOUN
fsr-3223	240	27	can	can	AUX
fsr-3223	240	28	result	result	VERB
fsr-3223	240	29	in	in	ADP
fsr-3223	240	30	higher	high	ADJ
fsr-3223	240	31	welfare	welfare	NOUN
fsr-3223	240	32	outcomes	outcome	NOUN
fsr-3223	240	33	.	.	PUNCT
fsr-3223	241	1	bodie	bodie	PROPN
fsr-3223	241	2	and	and	CCONJ
fsr-3223	241	3	treussard	treussard	NOUN
fsr-3223	241	4	(	(	PUNCT
fsr-3223	241	5	2007	2007	NUM
fsr-3223	241	6	)	)	PUNCT
fsr-3223	241	7	provide	provide	VERB
fsr-3223	241	8	additional	additional	ADJ
fsr-3223	241	9	insight	insight	NOUN
fsr-3223	241	10	into	into	ADP
fsr-3223	241	11	the	the	DET
fsr-3223	241	12	role	role	NOUN
fsr-3223	241	13	of	of	ADP
fsr-3223	241	14	riskiness	riskiness	NOUN
fsr-3223	241	15	of	of	ADP
fsr-3223	241	16	human	human	ADJ
fsr-3223	241	17	capital	capital	NOUN
fsr-3223	241	18	in	in	ADP
fsr-3223	241	19	determining	determine	VERB
fsr-3223	241	20	an	an	DET
fsr-3223	241	21	optimal	optimal	ADJ
fsr-3223	241	22	glide	glide	NOUN
fsr-3223	241	23	path	path	NOUN
fsr-3223	241	24	.	.	PUNCT
fsr-3223	242	1	they	they	PRON
fsr-3223	242	2	classify	classify	VERB
fsr-3223	242	3	certain	certain	ADJ
fsr-3223	242	4	individuals	individual	NOUN
fsr-3223	242	5	as	as	ADP
fsr-3223	242	6	“	"	PUNCT
fsr-3223	242	7	natural	natural	ADJ
fsr-3223	242	8	tdf	tdf	PROPN
fsr-3223	242	9	holders	holder	NOUN
fsr-3223	242	10	.	.	PUNCT
fsr-3223	242	11	”	"	PUNCT
fsr-3223	243	1	these	these	PRON
fsr-3223	243	2	are	be	AUX
fsr-3223	243	3	individuals	individual	NOUN
fsr-3223	243	4	with	with	ADP
fsr-3223	243	5	risky	risky	ADJ
fsr-3223	243	6	human	human	ADJ
fsr-3223	243	7	capital	capital	NOUN
fsr-3223	243	8	,	,	PUNCT
fsr-3223	243	9	that	that	ADV
fsr-3223	243	10	is	is	ADV
fsr-3223	243	11	,	,	PUNCT
fsr-3223	243	12	their	their	PRON
fsr-3223	243	13	human	human	ADJ
fsr-3223	243	14	capital	capital	NOUN
fsr-3223	243	15	betas	beta	NOUN
fsr-3223	243	16	are	be	AUX
fsr-3223	243	17	high	high	ADJ
fsr-3223	243	18	.	.	PUNCT
fsr-3223	244	1	such	such	ADJ
fsr-3223	244	2	individuals	individual	NOUN
fsr-3223	244	3	will	will	AUX
fsr-3223	244	4	experience	experience	VERB
fsr-3223	244	5	substantial	substantial	ADJ
fsr-3223	244	6	welfare	welfare	NOUN
fsr-3223	244	7	gains	gain	NOUN
fsr-3223	244	8	if	if	SCONJ
fsr-3223	244	9	offered	offer	VERB
fsr-3223	244	10	a	a	DET
fsr-3223	244	11	relatively	relatively	ADV
fsr-3223	244	12	safe	safe	ADJ
fsr-3223	244	13	tdf	tdf	NOUN
fsr-3223	244	14	.	.	PUNCT
fsr-3223	244	15	to	to	PART
fsr-3223	244	16	reflect	reflect	VERB
fsr-3223	244	17	the	the	DET
fsr-3223	244	18	conversion	conversion	NOUN
fsr-3223	244	19	of	of	ADP
fsr-3223	244	20	an	an	DET
fsr-3223	244	21	individual	individual	NOUN
fsr-3223	244	22	’s	’s	PART
fsr-3223	244	23	portfolio	portfolio	NOUN
fsr-3223	244	24	from	from	ADP
fsr-3223	244	25	human	human	ADJ
fsr-3223	244	26	capital	capital	NOUN
fsr-3223	244	27	244	244	NUM
fsr-3223	244	28	s.	s.	PROPN
fsr-3223	244	29	singh	singh	PROPN
fsr-3223	244	30	/	/	SYM
fsr-3223	244	31	financial	financial	ADJ
fsr-3223	244	32	services	service	NOUN
fsr-3223	244	33	review	review	VERB
fsr-3223	244	34	25	25	NUM
fsr-3223	244	35	(	(	PUNCT
fsr-3223	244	36	2016	2016	NUM
fsr-3223	244	37	)	)	PUNCT
fsr-3223	245	1	235–262	235–262	NUM
fsr-3223	245	2	to	to	ADP
fsr-3223	245	3	financial	financial	ADJ
fsr-3223	245	4	capital	capital	NOUN
fsr-3223	245	5	and	and	CCONJ
fsr-3223	245	6	the	the	DET
fsr-3223	245	7	translation	translation	NOUN
fsr-3223	245	8	of	of	ADP
fsr-3223	245	9	human	human	ADJ
fsr-3223	245	10	capital	capital	NOUN
fsr-3223	245	11	from	from	ADP
fsr-3223	245	12	“	"	PUNCT
fsr-3223	245	13	stock	stock	NOUN
fsr-3223	245	14	like	like	ADP
fsr-3223	245	15	”	"	PUNCT
fsr-3223	245	16	to	to	ADP
fsr-3223	245	17	“	"	PUNCT
fsr-3223	245	18	bond	bond	NOUN
fsr-3223	245	19	like	like	ADP
fsr-3223	245	20	,	,	PUNCT
fsr-3223	245	21	”	"	PUNCT
fsr-3223	245	22	the	the	DET
fsr-3223	245	23	glide	glide	ADJ
fsr-3223	245	24	path	path	NOUN
fsr-3223	245	25	should	should	AUX
fsr-3223	245	26	be	be	AUX
fsr-3223	245	27	“	"	PUNCT
fsr-3223	245	28	humped	humped	PROPN
fsr-3223	245	29	”	"	PUNCT
fsr-3223	245	30	;	;	PUNCT
fsr-3223	245	31	not	not	PART
fsr-3223	245	32	the	the	DET
fsr-3223	245	33	traditional	traditional	ADJ
fsr-3223	245	34	linear	linear	ADJ
fsr-3223	245	35	reduction	reduction	NOUN
fsr-3223	245	36	with	with	ADP
fsr-3223	245	37	age	age	NOUN
fsr-3223	245	38	.	.	PUNCT
fsr-3223	246	1	boscalajon	boscalajon	NOUN
fsr-3223	246	2	(	(	PUNCT
fsr-3223	246	3	2011	2011	NUM
fsr-3223	246	4	)	)	PUNCT
fsr-3223	246	5	provides	provide	VERB
fsr-3223	246	6	a	a	DET
fsr-3223	246	7	discussion	discussion	NOUN
fsr-3223	246	8	of	of	ADP
fsr-3223	246	9	“	"	PUNCT
fsr-3223	246	10	critical	critical	ADJ
fsr-3223	246	11	wealth	wealth	NOUN
fsr-3223	246	12	,	,	PUNCT
fsr-3223	246	13	”	"	PUNCT
fsr-3223	246	14	a	a	DET
fsr-3223	246	15	point	point	NOUN
fsr-3223	246	16	where	where	SCONJ
fsr-3223	246	17	financial	financial	ADJ
fsr-3223	246	18	and	and	CCONJ
fsr-3223	246	19	human	human	ADJ
fsr-3223	246	20	capital	capital	NOUN
fsr-3223	246	21	is	be	AUX
fsr-3223	246	22	equal	equal	ADJ
fsr-3223	246	23	.	.	PUNCT
fsr-3223	247	1	he	he	PRON
fsr-3223	247	2	argues	argue	VERB
fsr-3223	247	3	that	that	SCONJ
fsr-3223	247	4	it	it	PRON
fsr-3223	247	5	is	be	AUX
fsr-3223	247	6	from	from	ADP
fsr-3223	247	7	this	this	DET
fsr-3223	247	8	point	point	NOUN
fsr-3223	247	9	on	on	ADP
fsr-3223	247	10	that	that	PRON
fsr-3223	247	11	a	a	DET
fsr-3223	247	12	systematic	systematic	ADJ
fsr-3223	247	13	transfer	transfer	NOUN
fsr-3223	247	14	to	to	ADP
fsr-3223	247	15	less	less	ADV
fsr-3223	247	16	risky	risky	ADJ
fsr-3223	247	17	financial	financial	ADJ
fsr-3223	247	18	assets	asset	NOUN
fsr-3223	247	19	should	should	AUX
fsr-3223	247	20	start	start	VERB
fsr-3223	247	21	taking	take	VERB
fsr-3223	247	22	place	place	NOUN
fsr-3223	247	23	.	.	PUNCT
fsr-3223	248	1	utilizing	utilize	VERB
fsr-3223	248	2	monte	monte	PROPN
fsr-3223	248	3	carlo	carlo	PROPN
fsr-3223	248	4	simulations	simulation	NOUN
fsr-3223	248	5	and	and	CCONJ
fsr-3223	248	6	utility	utility	NOUN
fsr-3223	248	7	functions	function	NOUN
fsr-3223	248	8	that	that	PRON
fsr-3223	248	9	have	have	VERB
fsr-3223	248	10	a	a	DET
fsr-3223	248	11	coefficient	coefficient	NOUN
fsr-3223	248	12	of	of	ADP
fsr-3223	248	13	risk	risk	NOUN
fsr-3223	248	14	aversions	aversion	NOUN
fsr-3223	248	15	ranging	range	VERB
fsr-3223	248	16	from	from	ADP
fsr-3223	248	17	1	1	NUM
fsr-3223	248	18	to	to	PART
fsr-3223	248	19	10	10	NUM
fsr-3223	248	20	,	,	PUNCT
fsr-3223	248	21	pfau	pfau	NOUN
fsr-3223	248	22	(	(	PUNCT
fsr-3223	248	23	2011	2011	NUM
fsr-3223	248	24	)	)	PUNCT
fsr-3223	248	25	finds	find	VERB
fsr-3223	248	26	support	support	NOUN
fsr-3223	248	27	for	for	ADP
fsr-3223	248	28	glide	glide	ADJ
fsr-3223	248	29	paths	path	NOUN
fsr-3223	248	30	that	that	PRON
fsr-3223	248	31	adhere	adhere	VERB
fsr-3223	248	32	to	to	ADP
fsr-3223	248	33	traditional	traditional	ADJ
fsr-3223	248	34	strategy	strategy	NOUN
fsr-3223	248	35	of	of	ADP
fsr-3223	248	36	high	high	ADJ
fsr-3223	248	37	initial	initial	ADJ
fsr-3223	248	38	equity	equity	NOUN
fsr-3223	248	39	allocation	allocation	NOUN
fsr-3223	248	40	and	and	CCONJ
fsr-3223	248	41	declining	decline	VERB
fsr-3223	248	42	risky	risky	ADJ
fsr-3223	248	43	assets	asset	NOUN
fsr-3223	248	44	over	over	ADP
fsr-3223	248	45	time	time	NOUN
fsr-3223	248	46	as	as	ADP
fsr-3223	248	47	utility	utility	NOUN
fsr-3223	248	48	maximizing	maximizing	NOUN
fsr-3223	248	49	.	.	PUNCT
fsr-3223	249	1	as	as	SCONJ
fsr-3223	249	2	mentioned	mention	VERB
fsr-3223	249	3	earlier	early	ADV
fsr-3223	249	4	,	,	PUNCT
fsr-3223	249	5	the	the	DET
fsr-3223	249	6	value	value	NOUN
fsr-3223	249	7	of	of	ADP
fsr-3223	249	8	human	human	ADJ
fsr-3223	249	9	capital	capital	NOUN
fsr-3223	249	10	is	be	AUX
fsr-3223	249	11	the	the	DET
fsr-3223	249	12	present	present	ADJ
fsr-3223	249	13	value	value	NOUN
fsr-3223	249	14	of	of	ADP
fsr-3223	249	15	expected	expect	VERB
fsr-3223	249	16	future	future	ADJ
fsr-3223	249	17	earnings	earning	NOUN
fsr-3223	249	18	.	.	PUNCT
fsr-3223	250	1	using	use	VERB
fsr-3223	250	2	bureau	bureau	NOUN
fsr-3223	250	3	of	of	ADP
fsr-3223	250	4	economic	economic	ADJ
fsr-3223	250	5	analysis	analysis	NOUN
fsr-3223	250	6	(	(	PUNCT
fsr-3223	250	7	bea	bea	PROPN
fsr-3223	250	8	)	)	PUNCT
fsr-3223	250	9	data	datum	NOUN
fsr-3223	250	10	and	and	CCONJ
fsr-3223	250	11	yields	yield	NOUN
fsr-3223	250	12	on	on	ADP
fsr-3223	250	13	investment	investment	NOUN
fsr-3223	250	14	grade	grade	NOUN
fsr-3223	250	15	corporate	corporate	ADJ
fsr-3223	250	16	bonds	bond	NOUN
fsr-3223	250	17	in	in	ADP
fsr-3223	250	18	various	various	ADJ
fsr-3223	250	19	industries	industry	NOUN
fsr-3223	250	20	,	,	PUNCT
fsr-3223	250	21	blanchett	blanchett	PROPN
fsr-3223	250	22	and	and	CCONJ
fsr-3223	250	23	straehl	straehl	PROPN
fsr-3223	250	24	(	(	PUNCT
fsr-3223	250	25	2015	2015	NUM
fsr-3223	250	26	)	)	PUNCT
fsr-3223	250	27	attempt	attempt	VERB
fsr-3223	250	28	to	to	PART
fsr-3223	250	29	quantify	quantify	VERB
fsr-3223	250	30	human	human	ADJ
fsr-3223	250	31	capital	capital	NOUN
fsr-3223	250	32	in	in	ADP
fsr-3223	250	33	12	12	NUM
fsr-3223	250	34	industries	industry	NOUN
fsr-3223	250	35	.	.	PUNCT
fsr-3223	251	1	the	the	DET
fsr-3223	251	2	authors	author	NOUN
fsr-3223	251	3	treat	treat	VERB
fsr-3223	251	4	the	the	DET
fsr-3223	251	5	estimate	estimate	NOUN
fsr-3223	251	6	of	of	ADP
fsr-3223	251	7	the	the	DET
fsr-3223	251	8	return	return	NOUN
fsr-3223	251	9	and	and	CCONJ
fsr-3223	251	10	risk	risk	NOUN
fsr-3223	251	11	of	of	ADP
fsr-3223	251	12	human	human	ADJ
fsr-3223	251	13	capital	capital	NOUN
fsr-3223	251	14	across	across	ADP
fsr-3223	251	15	industries	industry	NOUN
fsr-3223	251	16	as	as	ADP
fsr-3223	251	17	a	a	DET
fsr-3223	251	18	separate	separate	ADJ
fsr-3223	251	19	asset	asset	NOUN
fsr-3223	251	20	class	class	NOUN
fsr-3223	251	21	.	.	PUNCT
fsr-3223	252	1	these	these	PRON
fsr-3223	252	2	then	then	ADV
fsr-3223	252	3	constitute	constitute	VERB
fsr-3223	252	4	inputs	input	NOUN
fsr-3223	252	5	in	in	ADP
fsr-3223	252	6	a	a	DET
fsr-3223	252	7	portfolio	portfolio	NOUN
fsr-3223	252	8	optimization	optimization	NOUN
fsr-3223	252	9	scheme	scheme	NOUN
fsr-3223	252	10	along	along	ADP
fsr-3223	252	11	with	with	ADP
fsr-3223	252	12	other	other	ADJ
fsr-3223	252	13	traditional	traditional	ADJ
fsr-3223	252	14	asset	asset	NOUN
fsr-3223	252	15	class	class	NOUN
fsr-3223	252	16	returns	return	NOUN
fsr-3223	252	17	.	.	PUNCT
fsr-3223	253	1	as	as	SCONJ
fsr-3223	253	2	might	might	AUX
fsr-3223	253	3	be	be	AUX
fsr-3223	253	4	expected	expect	VERB
fsr-3223	253	5	,	,	PUNCT
fsr-3223	253	6	they	they	PRON
fsr-3223	253	7	find	find	VERB
fsr-3223	253	8	that	that	SCONJ
fsr-3223	253	9	“	"	PUNCT
fsr-3223	253	10	the	the	DET
fsr-3223	253	11	optimal	optimal	ADJ
fsr-3223	253	12	equity	equity	NOUN
fsr-3223	253	13	allocation	allocation	NOUN
fsr-3223	253	14	decreases	decrease	VERB
fsr-3223	253	15	with	with	ADP
fsr-3223	253	16	age	age	NOUN
fsr-3223	253	17	,	,	PUNCT
fsr-3223	253	18	riskier	risky	ADJ
fsr-3223	253	19	employment	employment	NOUN
fsr-3223	253	20	,	,	PUNCT
fsr-3223	253	21	and	and	CCONJ
fsr-3223	253	22	riskier	risky	ADJ
fsr-3223	253	23	homeownership	homeownership	NOUN
fsr-3223	253	24	,	,	PUNCT
fsr-3223	253	25	whereas	whereas	SCONJ
fsr-3223	253	26	it	it	PRON
fsr-3223	253	27	increases	increase	VERB
fsr-3223	253	28	with	with	ADP
fsr-3223	253	29	guaranteed	guarantee	VERB
fsr-3223	253	30	pension	pension	NOUN
fsr-3223	253	31	income	income	NOUN
fsr-3223	253	32	(	(	PUNCT
fsr-3223	253	33	p.1	p.1	NOUN
fsr-3223	253	34	)	)	PUNCT
fsr-3223	253	35	.	.	PUNCT
fsr-3223	253	36	”	"	PUNCT
fsr-3223	254	1	another	another	DET
fsr-3223	254	2	and	and	CCONJ
fsr-3223	254	3	more	more	ADV
fsr-3223	254	4	recent	recent	ADJ
fsr-3223	254	5	stream	stream	NOUN
fsr-3223	254	6	of	of	ADP
fsr-3223	254	7	thought	thought	NOUN
fsr-3223	254	8	affecting	affect	VERB
fsr-3223	254	9	glide	glide	ADJ
fsr-3223	254	10	path	path	NOUN
fsr-3223	254	11	design	design	NOUN
fsr-3223	254	12	is	be	AUX
fsr-3223	254	13	liability	liability	NOUN
fsr-3223	254	14	driven	drive	VERB
fsr-3223	254	15	investing	investing	NOUN
fsr-3223	254	16	(	(	PUNCT
fsr-3223	254	17	ldi	ldi	PROPN
fsr-3223	254	18	)	)	PUNCT
fsr-3223	254	19	.	.	PUNCT
fsr-3223	255	1	it	it	PRON
fsr-3223	255	2	is	be	AUX
fsr-3223	255	3	derived	derive	VERB
fsr-3223	255	4	from	from	ADP
fsr-3223	255	5	defined	define	VERB
fsr-3223	255	6	benefit	benefit	NOUN
fsr-3223	255	7	pension	pension	NOUN
fsr-3223	255	8	plan	plan	NOUN
fsr-3223	255	9	design	design	NOUN
fsr-3223	255	10	.	.	PUNCT
fsr-3223	256	1	under	under	ADP
fsr-3223	256	2	such	such	DET
fsr-3223	256	3	a	a	DET
fsr-3223	256	4	strategy	strategy	NOUN
fsr-3223	256	5	,	,	PUNCT
fsr-3223	256	6	the	the	DET
fsr-3223	256	7	determination	determination	NOUN
fsr-3223	256	8	of	of	ADP
fsr-3223	256	9	retirement	retirement	NOUN
fsr-3223	256	10	liabilities	liability	NOUN
fsr-3223	256	11	is	be	AUX
fsr-3223	256	12	first	first	ADV
fsr-3223	256	13	made	make	VERB
fsr-3223	256	14	and	and	CCONJ
fsr-3223	256	15	then	then	ADV
fsr-3223	256	16	a	a	DET
fsr-3223	256	17	glide	glide	ADJ
fsr-3223	256	18	path	path	NOUN
fsr-3223	256	19	is	be	AUX
fsr-3223	256	20	designed	design	VERB
fsr-3223	256	21	to	to	PART
fsr-3223	256	22	optimally	optimally	ADV
fsr-3223	256	23	meet	meet	VERB
fsr-3223	256	24	them	they	PRON
fsr-3223	256	25	.	.	PUNCT
fsr-3223	257	1	the	the	DET
fsr-3223	257	2	body	body	NOUN
fsr-3223	257	3	of	of	ADP
fsr-3223	257	4	knowledge	knowledge	NOUN
fsr-3223	257	5	as	as	ADP
fsr-3223	257	6	related	relate	VERB
fsr-3223	257	7	to	to	ADP
fsr-3223	257	8	glide	glide	NOUN
fsr-3223	257	9	path	path	NOUN
fsr-3223	257	10	design	design	NOUN
fsr-3223	257	11	motivated	motivate	VERB
fsr-3223	257	12	by	by	ADP
fsr-3223	257	13	ldi	ldi	PROPN
fsr-3223	257	14	is	be	AUX
fsr-3223	257	15	discussed	discuss	VERB
fsr-3223	257	16	next	next	ADV
fsr-3223	257	17	.	.	PUNCT
fsr-3223	258	1	3.2	3.2	NUM
fsr-3223	258	2	.	.	PUNCT
fsr-3223	259	1	liability	liability	NOUN
fsr-3223	259	2	driven	drive	VERB
fsr-3223	259	3	investing	invest	VERB
fsr-3223	259	4	ldi	ldi	PROPN
fsr-3223	259	5	derives	derive	VERB
fsr-3223	259	6	its	its	PRON
fsr-3223	259	7	inspiration	inspiration	NOUN
fsr-3223	259	8	from	from	ADP
fsr-3223	259	9	the	the	DET
fsr-3223	259	10	management	management	NOUN
fsr-3223	259	11	of	of	ADP
fsr-3223	259	12	assets	asset	NOUN
fsr-3223	259	13	to	to	PART
fsr-3223	259	14	meet	meet	VERB
fsr-3223	259	15	future	future	ADJ
fsr-3223	259	16	liabilities	liability	NOUN
fsr-3223	259	17	,	,	PUNCT
fsr-3223	259	18	akin	akin	ADJ
fsr-3223	259	19	to	to	ADP
fsr-3223	259	20	the	the	DET
fsr-3223	259	21	management	management	NOUN
fsr-3223	259	22	of	of	ADP
fsr-3223	259	23	defined	define	VERB
fsr-3223	259	24	benefit	benefit	NOUN
fsr-3223	259	25	plan	plan	NOUN
fsr-3223	259	26	assets	asset	NOUN
fsr-3223	259	27	.	.	PUNCT
fsr-3223	260	1	examples	example	NOUN
fsr-3223	260	2	of	of	ADP
fsr-3223	260	3	prominent	prominent	ADJ
fsr-3223	260	4	practitioners	practitioner	NOUN
fsr-3223	260	5	of	of	ADP
fsr-3223	260	6	ldi	ldi	PROPN
fsr-3223	260	7	are	be	AUX
fsr-3223	260	8	defined	define	VERB
fsr-3223	260	9	-	-	PUNCT
fsr-3223	260	10	benefit	benefit	NOUN
fsr-3223	260	11	plan	plan	NOUN
fsr-3223	260	12	sponsors	sponsor	NOUN
fsr-3223	260	13	and	and	CCONJ
fsr-3223	260	14	insurance	insurance	NOUN
fsr-3223	260	15	companies	company	NOUN
fsr-3223	260	16	.	.	PUNCT
fsr-3223	261	1	traditional	traditional	ADJ
fsr-3223	261	2	portfolio	portfolio	NOUN
fsr-3223	261	3	theory	theory	NOUN
fsr-3223	261	4	assumes	assume	VERB
fsr-3223	261	5	that	that	SCONJ
fsr-3223	261	6	the	the	DET
fsr-3223	261	7	optimal	optimal	ADJ
fsr-3223	261	8	portfolio	portfolio	NOUN
fsr-3223	261	9	is	be	AUX
fsr-3223	261	10	independent	independent	ADJ
fsr-3223	261	11	of	of	ADP
fsr-3223	261	12	investor	investor	NOUN
fsr-3223	261	13	’s	’s	PART
fsr-3223	261	14	risk	risk	NOUN
fsr-3223	261	15	preferences	preference	NOUN
fsr-3223	261	16	markowitz	markowitz	PROPN
fsr-3223	261	17	(	(	PUNCT
fsr-3223	261	18	1952	1952	NUM
fsr-3223	261	19	)	)	PUNCT
fsr-3223	261	20	,	,	PUNCT
fsr-3223	261	21	sharpe	sharpe	PROPN
fsr-3223	261	22	(	(	PUNCT
fsr-3223	261	23	1964	1964	NUM
fsr-3223	261	24	)	)	PUNCT
fsr-3223	261	25	.	.	PUNCT
fsr-3223	262	1	risk	risk	NOUN
fsr-3223	262	2	aversion	aversion	NOUN
fsr-3223	262	3	is	be	AUX
fsr-3223	262	4	incorporated	incorporate	VERB
fsr-3223	262	5	through	through	ADP
fsr-3223	262	6	the	the	DET
fsr-3223	262	7	proportion	proportion	NOUN
fsr-3223	262	8	of	of	ADP
fsr-3223	262	9	risk	risk	NOUN
fsr-3223	262	10	free	free	ADJ
fsr-3223	262	11	holdings	holding	NOUN
fsr-3223	262	12	of	of	ADP
fsr-3223	262	13	the	the	DET
fsr-3223	262	14	investor	investor	NOUN
fsr-3223	262	15	.	.	PUNCT
fsr-3223	263	1	ldi	ldi	PROPN
fsr-3223	263	2	on	on	ADP
fsr-3223	263	3	the	the	DET
fsr-3223	263	4	other	other	ADJ
fsr-3223	263	5	hand	hand	NOUN
fsr-3223	263	6	,	,	PUNCT
fsr-3223	263	7	focuses	focus	VERB
fsr-3223	263	8	on	on	ADP
fsr-3223	263	9	designing	design	VERB
fsr-3223	263	10	portfolios	portfolio	NOUN
fsr-3223	263	11	to	to	PART
fsr-3223	263	12	meet	meet	VERB
fsr-3223	263	13	future	future	ADJ
fsr-3223	263	14	liabilities	liability	NOUN
fsr-3223	263	15	.	.	PUNCT
fsr-3223	264	1	it	it	PRON
fsr-3223	264	2	is	be	AUX
fsr-3223	264	3	an	an	DET
fsr-3223	264	4	individual	individual	ADJ
fsr-3223	264	5	exercise	exercise	NOUN
fsr-3223	264	6	for	for	ADP
fsr-3223	264	7	retirement	retirement	NOUN
fsr-3223	264	8	portfolio	portfolio	NOUN
fsr-3223	264	9	design	design	NOUN
fsr-3223	264	10	and	and	CCONJ
fsr-3223	264	11	management	management	NOUN
fsr-3223	264	12	as	as	SCONJ
fsr-3223	264	13	each	each	DET
fsr-3223	264	14	individual	individual	ADJ
fsr-3223	264	15	liability	liability	NOUN
fsr-3223	264	16	set	set	VERB
fsr-3223	264	17	is	be	AUX
fsr-3223	264	18	different	different	ADJ
fsr-3223	264	19	.	.	PUNCT
fsr-3223	265	1	a	a	DET
fsr-3223	265	2	defined	define	VERB
fsr-3223	265	3	-	-	PUNCT
fsr-3223	265	4	contribution	contribution	NOUN
fsr-3223	265	5	plan	plan	NOUN
fsr-3223	265	6	can	can	AUX
fsr-3223	265	7	be	be	AUX
fsr-3223	265	8	managed	manage	VERB
fsr-3223	265	9	similarly	similarly	ADV
fsr-3223	265	10	if	if	SCONJ
fsr-3223	265	11	one	one	PRON
fsr-3223	265	12	considers	consider	VERB
fsr-3223	265	13	retirement	retirement	NOUN
fsr-3223	265	14	spending	spending	NOUN
fsr-3223	265	15	needs	need	NOUN
fsr-3223	265	16	as	as	ADP
fsr-3223	265	17	a	a	DET
fsr-3223	265	18	liability	liability	NOUN
fsr-3223	265	19	.	.	PUNCT
fsr-3223	266	1	under	under	ADP
fsr-3223	266	2	ldi	ldi	PROPN
fsr-3223	266	3	,	,	PUNCT
fsr-3223	266	4	for	for	ADP
fsr-3223	266	5	tdfs	tdfs	NOUN
fsr-3223	266	6	the	the	DET
fsr-3223	266	7	goal	goal	NOUN
fsr-3223	266	8	in	in	ADP
fsr-3223	266	9	building	build	VERB
fsr-3223	266	10	a	a	DET
fsr-3223	266	11	retirement	retirement	NOUN
fsr-3223	266	12	portfolio	portfolio	NOUN
fsr-3223	266	13	,	,	PUNCT
fsr-3223	266	14	is	be	AUX
fsr-3223	266	15	not	not	PART
fsr-3223	266	16	a	a	DET
fsr-3223	266	17	maximization	maximization	NOUN
fsr-3223	266	18	of	of	ADP
fsr-3223	266	19	portfolio	portfolio	NOUN
fsr-3223	266	20	expected	expect	VERB
fsr-3223	266	21	returns	return	NOUN
fsr-3223	266	22	given	give	VERB
fsr-3223	266	23	a	a	DET
fsr-3223	266	24	level	level	NOUN
fsr-3223	266	25	of	of	ADP
fsr-3223	266	26	risk	risk	NOUN
fsr-3223	266	27	,	,	PUNCT
fsr-3223	266	28	but	but	CCONJ
fsr-3223	266	29	rather	rather	ADV
fsr-3223	266	30	to	to	PART
fsr-3223	266	31	ensure	ensure	VERB
fsr-3223	266	32	that	that	SCONJ
fsr-3223	266	33	the	the	DET
fsr-3223	266	34	portfolio	portfolio	NOUN
fsr-3223	266	35	has	have	VERB
fsr-3223	266	36	sufficient	sufficient	ADJ
fsr-3223	266	37	assets	asset	NOUN
fsr-3223	266	38	to	to	PART
fsr-3223	266	39	support	support	VERB
fsr-3223	266	40	retirement	retirement	NOUN
fsr-3223	266	41	withdrawals	withdrawal	NOUN
fsr-3223	266	42	and	and	CCONJ
fsr-3223	266	43	that	that	SCONJ
fsr-3223	266	44	it	it	PRON
fsr-3223	266	45	does	do	AUX
fsr-3223	266	46	not	not	PART
fsr-3223	266	47	run	run	VERB
fsr-3223	266	48	out	out	ADP
fsr-3223	266	49	of	of	ADP
fsr-3223	266	50	money	money	NOUN
fsr-3223	266	51	during	during	ADP
fsr-3223	266	52	the	the	DET
fsr-3223	266	53	lifetime	lifetime	NOUN
fsr-3223	266	54	of	of	ADP
fsr-3223	266	55	the	the	DET
fsr-3223	266	56	investor	investor	NOUN
fsr-3223	266	57	.	.	PUNCT
fsr-3223	267	1	minimizing	minimize	VERB
fsr-3223	267	2	longevity	longevity	NOUN
fsr-3223	267	3	risk	risk	NOUN
fsr-3223	267	4	is	be	AUX
fsr-3223	267	5	the	the	DET
fsr-3223	267	6	priority	priority	NOUN
fsr-3223	267	7	under	under	ADP
fsr-3223	267	8	such	such	DET
fsr-3223	267	9	a	a	DET
fsr-3223	267	10	strategy	strategy	NOUN
fsr-3223	267	11	.	.	PUNCT
fsr-3223	268	1	the	the	DET
fsr-3223	268	2	goal	goal	NOUN
fsr-3223	268	3	is	be	AUX
fsr-3223	268	4	to	to	PART
fsr-3223	268	5	attain	attain	VERB
fsr-3223	268	6	a	a	DET
fsr-3223	268	7	set	set	NOUN
fsr-3223	268	8	of	of	ADP
fsr-3223	268	9	real	real	ADJ
fsr-3223	268	10	cash	cash	NOUN
fsr-3223	268	11	flows	flow	NOUN
fsr-3223	268	12	that	that	PRON
fsr-3223	268	13	will	will	AUX
fsr-3223	268	14	last	last	VERB
fsr-3223	268	15	with	with	ADP
fsr-3223	268	16	certainty	certainty	NOUN
fsr-3223	268	17	throughout	throughout	ADP
fsr-3223	268	18	retirement	retirement	NOUN
fsr-3223	268	19	.	.	PUNCT
fsr-3223	269	1	thus	thus	ADV
fsr-3223	269	2	,	,	PUNCT
fsr-3223	269	3	inflation	inflation	NOUN
fsr-3223	269	4	protection	protection	NOUN
fsr-3223	269	5	during	during	ADP
fsr-3223	269	6	retirement	retirement	NOUN
fsr-3223	269	7	years	year	NOUN
fsr-3223	269	8	is	be	AUX
fsr-3223	269	9	an	an	DET
fsr-3223	269	10	embedded	embed	VERB
fsr-3223	269	11	objective	objective	NOUN
fsr-3223	269	12	of	of	ADP
fsr-3223	269	13	all	all	DET
fsr-3223	269	14	glide	glide	ADJ
fsr-3223	269	15	paths	path	NOUN
fsr-3223	269	16	in	in	ADP
fsr-3223	269	17	a	a	DET
fsr-3223	269	18	ldi	ldi	PROPN
fsr-3223	269	19	based	base	VERB
fsr-3223	269	20	framework	framework	NOUN
fsr-3223	269	21	.	.	PUNCT
fsr-3223	270	1	in	in	ADP
fsr-3223	270	2	the	the	DET
fsr-3223	270	3	design	design	NOUN
fsr-3223	270	4	of	of	ADP
fsr-3223	270	5	glide	glide	NOUN
fsr-3223	270	6	paths	path	NOUN
fsr-3223	270	7	,	,	PUNCT
fsr-3223	270	8	attaining	attain	VERB
fsr-3223	270	9	this	this	DET
fsr-3223	270	10	goal	goal	NOUN
fsr-3223	270	11	often	often	ADV
fsr-3223	270	12	takes	take	VERB
fsr-3223	270	13	precedence	precedence	NOUN
fsr-3223	270	14	over	over	ADP
fsr-3223	270	15	portfolio	portfolio	NOUN
fsr-3223	270	16	optimization	optimization	NOUN
fsr-3223	270	17	.	.	PUNCT
fsr-3223	271	1	according	accord	VERB
fsr-3223	271	2	to	to	ADP
fsr-3223	271	3	meder	meder	PROPN
fsr-3223	271	4	(	(	PUNCT
fsr-3223	271	5	2012	2012	NUM
fsr-3223	271	6	)	)	PUNCT
fsr-3223	271	7	,	,	PUNCT
fsr-3223	271	8	“	"	PUNCT
fsr-3223	271	9	the	the	DET
fsr-3223	271	10	first	first	ADJ
fsr-3223	271	11	order	order	NOUN
fsr-3223	271	12	asset	asset	NOUN
fsr-3223	271	13	allocation	allocation	NOUN
fsr-3223	271	14	decision	decision	NOUN
fsr-3223	271	15	is	be	AUX
fsr-3223	271	16	no	no	ADV
fsr-3223	271	17	longer	long	ADV
fsr-3223	271	18	focused	focus	VERB
fsr-3223	271	19	on	on	ADP
fsr-3223	271	20	the	the	DET
fsr-3223	271	21	split	split	NOUN
fsr-3223	271	22	between	between	ADP
fsr-3223	271	23	equities	equity	NOUN
fsr-3223	271	24	and	and	CCONJ
fsr-3223	271	25	core	core	ADJ
fsr-3223	271	26	fixed	fix	VERB
fsr-3223	271	27	income	income	NOUN
fsr-3223	271	28	but	but	CCONJ
fsr-3223	271	29	focused	focus	VERB
fsr-3223	271	30	on	on	ADP
fsr-3223	271	31	deriving	derive	VERB
fsr-3223	271	32	the	the	DET
fsr-3223	271	33	split	split	NOUN
fsr-3223	271	34	between	between	ADP
fsr-3223	271	35	a	a	DET
fsr-3223	271	36	return	return	NOUN
fsr-3223	271	37	-	-	PUNCT
fsr-3223	271	38	seeking	seek	VERB
fsr-3223	271	39	asset	asset	NOUN
fsr-3223	271	40	(	(	PUNCT
fsr-3223	271	41	rsa	rsa	PROPN
fsr-3223	271	42	)	)	PUNCT
fsr-3223	271	43	and	and	CCONJ
fsr-3223	271	44	a	a	DET
fsr-3223	271	45	liability	liability	NOUN
fsr-3223	271	46	hedging	hedge	VERB
fsr-3223	271	47	assets	asset	NOUN
fsr-3223	271	48	(	(	PUNCT
fsr-3223	271	49	lha	lha	NOUN
fsr-3223	271	50	)	)	PUNCT
fsr-3223	271	51	component	component	NOUN
fsr-3223	271	52	.	.	PUNCT
fsr-3223	272	1	the	the	DET
fsr-3223	272	2	rsa	rsa	PROPN
fsr-3223	272	3	245s	245s	PROPN
fsr-3223	272	4	.	.	PUNCT
fsr-3223	273	1	singh	singh	PROPN
fsr-3223	273	2	/	/	SYM
fsr-3223	273	3	financial	financial	ADJ
fsr-3223	273	4	services	service	NOUN
fsr-3223	273	5	review	review	VERB
fsr-3223	273	6	25	25	NUM
fsr-3223	273	7	(	(	PUNCT
fsr-3223	273	8	2016	2016	NUM
fsr-3223	273	9	)	)	PUNCT
fsr-3223	273	10	235–262	235–262	NUM
fsr-3223	273	11	component	component	NOUN
fsr-3223	273	12	seeks	seek	VERB
fsr-3223	273	13	to	to	PART
fsr-3223	273	14	generate	generate	VERB
fsr-3223	273	15	returns	return	NOUN
fsr-3223	273	16	in	in	ADP
fsr-3223	273	17	excess	excess	NOUN
fsr-3223	273	18	of	of	ADP
fsr-3223	273	19	the	the	DET
fsr-3223	273	20	expected	expect	VERB
fsr-3223	273	21	liability	liability	NOUN
fsr-3223	273	22	return	return	NOUN
fsr-3223	273	23	(	(	PUNCT
fsr-3223	273	24	growth	growth	NOUN
fsr-3223	273	25	in	in	ADP
fsr-3223	273	26	the	the	DET
fsr-3223	273	27	present	present	ADJ
fsr-3223	273	28	value	value	NOUN
fsr-3223	273	29	of	of	ADP
fsr-3223	273	30	the	the	DET
fsr-3223	273	31	liability	liability	NOUN
fsr-3223	273	32	attributable	attributable	ADJ
fsr-3223	273	33	to	to	ADP
fsr-3223	273	34	the	the	DET
fsr-3223	273	35	passage	passage	NOUN
fsr-3223	273	36	of	of	ADP
fsr-3223	273	37	time	time	NOUN
fsr-3223	273	38	)	)	PUNCT
fsr-3223	273	39	,	,	PUNCT
fsr-3223	273	40	similar	similar	ADJ
fsr-3223	273	41	to	to	ADP
fsr-3223	273	42	the	the	DET
fsr-3223	273	43	discount	discount	NOUN
fsr-3223	273	44	rate	rate	NOUN
fsr-3223	273	45	on	on	ADP
fsr-3223	273	46	the	the	DET
fsr-3223	273	47	liability	liability	NOUN
fsr-3223	273	48	(	(	PUNCT
fsr-3223	273	49	p.	p.	NOUN
fsr-3223	273	50	117	117	NUM
fsr-3223	273	51	)	)	PUNCT
fsr-3223	273	52	.	.	PUNCT
fsr-3223	273	53	”	"	PUNCT
fsr-3223	274	1	while	while	SCONJ
fsr-3223	274	2	the	the	DET
fsr-3223	274	3	preceding	precede	VERB
fsr-3223	274	4	comment	comment	NOUN
fsr-3223	274	5	is	be	AUX
fsr-3223	274	6	in	in	ADP
fsr-3223	274	7	the	the	DET
fsr-3223	274	8	context	context	NOUN
fsr-3223	274	9	of	of	ADP
fsr-3223	274	10	a	a	DET
fsr-3223	274	11	defined	define	VERB
fsr-3223	274	12	benefit	benefit	NOUN
fsr-3223	274	13	pension	pension	NOUN
fsr-3223	274	14	,	,	PUNCT
fsr-3223	274	15	it	it	PRON
fsr-3223	274	16	provides	provide	VERB
fsr-3223	274	17	a	a	DET
fsr-3223	274	18	unique	unique	ADJ
fsr-3223	274	19	manner	manner	NOUN
fsr-3223	274	20	of	of	ADP
fsr-3223	274	21	looking	look	VERB
fsr-3223	274	22	at	at	ADP
fsr-3223	274	23	glide	glide	ADJ
fsr-3223	274	24	paths	path	NOUN
fsr-3223	274	25	of	of	ADP
fsr-3223	274	26	tdfs	tdfs	NOUN
fsr-3223	274	27	.	.	PUNCT
fsr-3223	275	1	it	it	PRON
fsr-3223	275	2	provides	provide	VERB
fsr-3223	275	3	a	a	DET
fsr-3223	275	4	dual	dual	ADJ
fsr-3223	275	5	goal	goal	NOUN
fsr-3223	275	6	in	in	ADP
fsr-3223	275	7	the	the	DET
fsr-3223	275	8	accumulation	accumulation	NOUN
fsr-3223	275	9	phase	phase	NOUN
fsr-3223	275	10	of	of	ADP
fsr-3223	275	11	the	the	DET
fsr-3223	275	12	investing	investing	NOUN
fsr-3223	275	13	horizon	horizon	NOUN
fsr-3223	275	14	;	;	PUNCT
fsr-3223	275	15	first	first	ADV
fsr-3223	275	16	,	,	PUNCT
fsr-3223	275	17	to	to	PART
fsr-3223	275	18	hedge	hedge	VERB
fsr-3223	275	19	the	the	DET
fsr-3223	275	20	anticipated	anticipate	VERB
fsr-3223	275	21	liability	liability	NOUN
fsr-3223	275	22	and	and	CCONJ
fsr-3223	275	23	the	the	DET
fsr-3223	275	24	second	second	ADJ
fsr-3223	275	25	,	,	PUNCT
fsr-3223	275	26	to	to	PART
fsr-3223	275	27	provide	provide	VERB
fsr-3223	275	28	growth	growth	NOUN
fsr-3223	275	29	to	to	ADP
fsr-3223	275	30	the	the	DET
fsr-3223	275	31	portfolio	portfolio	NOUN
fsr-3223	275	32	.	.	PUNCT
fsr-3223	276	1	idzorek	idzorek	NOUN
fsr-3223	276	2	(	(	PUNCT
fsr-3223	276	3	2008	2008	NUM
fsr-3223	276	4	)	)	PUNCT
fsr-3223	276	5	provides	provide	VERB
fsr-3223	276	6	a	a	DET
fsr-3223	276	7	detailed	detailed	ADJ
fsr-3223	276	8	discussion	discussion	NOUN
fsr-3223	276	9	on	on	ADP
fsr-3223	276	10	designing	design	VERB
fsr-3223	276	11	tdfs	tdfs	NOUN
fsr-3223	276	12	that	that	PRON
fsr-3223	276	13	incorporate	incorporate	VERB
fsr-3223	276	14	liability	liability	NOUN
fsr-3223	276	15	relative	relative	ADJ
fsr-3223	276	16	portfolio	portfolio	NOUN
fsr-3223	276	17	optimization	optimization	NOUN
fsr-3223	276	18	.	.	PUNCT
fsr-3223	277	1	if	if	SCONJ
fsr-3223	277	2	an	an	DET
fsr-3223	277	3	individual	individual	NOUN
fsr-3223	277	4	’s	’s	PART
fsr-3223	277	5	retirement	retirement	NOUN
fsr-3223	277	6	expenses	expense	NOUN
fsr-3223	277	7	can	can	AUX
fsr-3223	277	8	be	be	AUX
fsr-3223	277	9	thought	think	VERB
fsr-3223	277	10	of	of	ADP
fsr-3223	277	11	as	as	ADP
fsr-3223	277	12	a	a	DET
fsr-3223	277	13	set	set	NOUN
fsr-3223	277	14	of	of	ADP
fsr-3223	277	15	real	real	ADJ
fsr-3223	277	16	cash	cash	NOUN
fsr-3223	277	17	flow	flow	NOUN
fsr-3223	277	18	liabilities	liability	NOUN
fsr-3223	277	19	,	,	PUNCT
fsr-3223	277	20	then	then	ADV
fsr-3223	277	21	a	a	DET
fsr-3223	277	22	retiree	retiree	NOUN
fsr-3223	277	23	’s	’s	PART
fsr-3223	277	24	portfolio	portfolio	NOUN
fsr-3223	277	25	during	during	ADP
fsr-3223	277	26	the	the	DET
fsr-3223	277	27	saving	saving	NOUN
fsr-3223	277	28	years	year	NOUN
fsr-3223	277	29	is	be	AUX
fsr-3223	277	30	optimized	optimize	VERB
fsr-3223	277	31	subject	subject	NOUN
fsr-3223	277	32	to	to	ADP
fsr-3223	277	33	this	this	DET
fsr-3223	277	34	liability	liability	NOUN
fsr-3223	277	35	constraint	constraint	NOUN
fsr-3223	277	36	.	.	PUNCT
fsr-3223	278	1	this	this	DET
fsr-3223	278	2	liability	liability	NOUN
fsr-3223	278	3	constraint	constraint	NOUN
fsr-3223	278	4	is	be	AUX
fsr-3223	278	5	implemented	implement	VERB
fsr-3223	278	6	through	through	ADP
fsr-3223	278	7	a	a	DET
fsr-3223	278	8	short	short	ADJ
fsr-3223	278	9	position	position	NOUN
fsr-3223	278	10	in	in	ADP
fsr-3223	278	11	a	a	DET
fsr-3223	278	12	portfolio	portfolio	NOUN
fsr-3223	278	13	of	of	ADP
fsr-3223	278	14	tips	tip	NOUN
fsr-3223	278	15	.	.	PUNCT
fsr-3223	279	1	idzorek	idzorek	NOUN
fsr-3223	279	2	provides	provide	VERB
fsr-3223	279	3	a	a	DET
fsr-3223	279	4	comparative	comparative	ADJ
fsr-3223	279	5	visual	visual	NOUN
fsr-3223	279	6	for	for	ADP
fsr-3223	279	7	such	such	ADJ
fsr-3223	279	8	optimization	optimization	NOUN
fsr-3223	279	9	vis	vis	X
fsr-3223	279	10	-	-	PUNCT
fsr-3223	279	11	a	a	X
fsr-3223	279	12	-	-	PUNCT
fsr-3223	279	13	vis	vis	X
fsr-3223	279	14	an	an	DET
fsr-3223	279	15	asset	asset	NOUN
fsr-3223	279	16	only	only	ADV
fsr-3223	279	17	optimization	optimization	NOUN
fsr-3223	279	18	.	.	PUNCT
fsr-3223	280	1	the	the	DET
fsr-3223	280	2	significant	significant	ADJ
fsr-3223	280	3	difference	difference	NOUN
fsr-3223	280	4	is	be	AUX
fsr-3223	280	5	the	the	DET
fsr-3223	280	6	heavy	heavy	ADJ
fsr-3223	280	7	relative	relative	NOUN
fsr-3223	280	8	overweighting	overweighte	VERB
fsr-3223	280	9	in	in	ADP
fsr-3223	280	10	real	real	ADJ
fsr-3223	280	11	assets	asset	NOUN
fsr-3223	280	12	like	like	ADP
fsr-3223	280	13	tips	tip	NOUN
fsr-3223	280	14	and	and	CCONJ
fsr-3223	280	15	commodities	commodity	NOUN
fsr-3223	280	16	in	in	ADP
fsr-3223	280	17	such	such	ADJ
fsr-3223	280	18	portfolios	portfolio	NOUN
fsr-3223	280	19	that	that	PRON
fsr-3223	280	20	are	be	AUX
fsr-3223	280	21	subject	subject	ADJ
fsr-3223	280	22	to	to	ADP
fsr-3223	280	23	the	the	DET
fsr-3223	280	24	liability	liability	NOUN
fsr-3223	280	25	constraint	constraint	NOUN
fsr-3223	280	26	of	of	ADP
fsr-3223	280	27	a	a	DET
fsr-3223	280	28	short	short	ADJ
fsr-3223	280	29	position	position	NOUN
fsr-3223	280	30	in	in	ADP
fsr-3223	280	31	tips	tip	NOUN
fsr-3223	280	32	.	.	PUNCT
fsr-3223	281	1	another	another	DET
fsr-3223	281	2	advantage	advantage	NOUN
fsr-3223	281	3	of	of	ADP
fsr-3223	281	4	liability	liability	NOUN
fsr-3223	281	5	relative	relative	ADJ
fsr-3223	281	6	investing	invest	VERB
fsr-3223	281	7	is	be	AUX
fsr-3223	281	8	the	the	DET
fsr-3223	281	9	determination	determination	NOUN
fsr-3223	281	10	of	of	ADP
fsr-3223	281	11	the	the	DET
fsr-3223	281	12	fund	fund	NOUN
fsr-3223	281	13	status	status	NOUN
fsr-3223	281	14	.	.	PUNCT
fsr-3223	282	1	this	this	PRON
fsr-3223	282	2	is	be	AUX
fsr-3223	282	3	analogous	analogous	ADJ
fsr-3223	282	4	to	to	ADP
fsr-3223	282	5	an	an	DET
fsr-3223	282	6	underfunded	underfunded	ADJ
fsr-3223	282	7	or	or	CCONJ
fsr-3223	282	8	over	over	ADP
fsr-3223	282	9	funded	funded	ADJ
fsr-3223	282	10	status	status	NOUN
fsr-3223	282	11	of	of	ADP
fsr-3223	282	12	a	a	DET
fsr-3223	282	13	defined	define	VERB
fsr-3223	282	14	benefit	benefit	NOUN
fsr-3223	282	15	plan	plan	NOUN
fsr-3223	282	16	.	.	PUNCT
fsr-3223	283	1	if	if	SCONJ
fsr-3223	283	2	a	a	DET
fsr-3223	283	3	retiree	retiree	NOUN
fsr-3223	283	4	finds	find	VERB
fsr-3223	283	5	early	early	ADV
fsr-3223	283	6	on	on	ADV
fsr-3223	283	7	in	in	ADP
fsr-3223	283	8	their	their	PRON
fsr-3223	283	9	life	life	NOUN
fsr-3223	283	10	of	of	ADP
fsr-3223	283	11	the	the	DET
fsr-3223	283	12	underfunded	underfunded	ADJ
fsr-3223	283	13	status	status	NOUN
fsr-3223	283	14	,	,	PUNCT
fsr-3223	283	15	and	and	CCONJ
fsr-3223	283	16	they	they	PRON
fsr-3223	283	17	are	be	AUX
fsr-3223	283	18	responsible	responsible	ADJ
fsr-3223	283	19	about	about	ADP
fsr-3223	283	20	it	it	PRON
fsr-3223	283	21	,	,	PUNCT
fsr-3223	283	22	then	then	ADV
fsr-3223	283	23	there	there	PRON
fsr-3223	283	24	may	may	AUX
fsr-3223	283	25	be	be	AUX
fsr-3223	283	26	an	an	DET
fsr-3223	283	27	opportunity	opportunity	NOUN
fsr-3223	283	28	to	to	PART
fsr-3223	283	29	alter	alter	VERB
fsr-3223	283	30	their	their	PRON
fsr-3223	283	31	savings	saving	NOUN
fsr-3223	283	32	-	-	PUNCT
fsr-3223	283	33	consumption	consumption	NOUN
fsr-3223	283	34	mix	mix	NOUN
fsr-3223	283	35	accordingly	accordingly	ADV
fsr-3223	283	36	.	.	PUNCT
fsr-3223	284	1	there	there	PRON
fsr-3223	284	2	seems	seem	VERB
fsr-3223	284	3	to	to	PART
fsr-3223	284	4	be	be	AUX
fsr-3223	284	5	sufficient	sufficient	ADJ
fsr-3223	284	6	support	support	NOUN
fsr-3223	284	7	for	for	ADP
fsr-3223	284	8	designing	design	VERB
fsr-3223	284	9	glide	glide	ADJ
fsr-3223	284	10	paths	path	NOUN
fsr-3223	284	11	that	that	PRON
fsr-3223	284	12	embrace	embrace	AUX
fsr-3223	284	13	meeting	meet	VERB
fsr-3223	284	14	retirement	retirement	NOUN
fsr-3223	284	15	liabilities	liability	NOUN
fsr-3223	284	16	as	as	SCONJ
fsr-3223	284	17	opposed	oppose	VERB
fsr-3223	284	18	to	to	ADP
fsr-3223	284	19	optimizing	optimize	VERB
fsr-3223	284	20	asset	asset	NOUN
fsr-3223	284	21	only	only	ADV
fsr-3223	284	22	portfolios	portfolio	NOUN
fsr-3223	284	23	as	as	ADP
fsr-3223	284	24	the	the	DET
fsr-3223	284	25	primary	primary	ADJ
fsr-3223	284	26	goal	goal	NOUN
fsr-3223	284	27	.	.	PUNCT
fsr-3223	285	1	it	it	PRON
fsr-3223	285	2	may	may	AUX
fsr-3223	285	3	be	be	AUX
fsr-3223	285	4	possible	possible	ADJ
fsr-3223	285	5	to	to	PART
fsr-3223	285	6	jointly	jointly	ADV
fsr-3223	285	7	accomplish	accomplish	VERB
fsr-3223	285	8	both	both	DET
fsr-3223	285	9	asset	asset	NOUN
fsr-3223	285	10	only	only	ADV
fsr-3223	285	11	optimization	optimization	NOUN
fsr-3223	285	12	and	and	CCONJ
fsr-3223	285	13	ldi	ldi	PROPN
fsr-3223	285	14	,	,	PUNCT
fsr-3223	285	15	but	but	CCONJ
fsr-3223	285	16	in	in	ADP
fsr-3223	285	17	the	the	DET
fsr-3223	285	18	presence	presence	NOUN
fsr-3223	285	19	of	of	ADP
fsr-3223	285	20	constraints	constraint	NOUN
fsr-3223	285	21	,	,	PUNCT
fsr-3223	285	22	for	for	ADP
fsr-3223	285	23	example	example	NOUN
fsr-3223	285	24	long	long	ADJ
fsr-3223	285	25	only	only	ADJ
fsr-3223	285	26	portfolios	portfolio	NOUN
fsr-3223	285	27	,	,	PUNCT
fsr-3223	285	28	the	the	DET
fsr-3223	285	29	task	task	NOUN
fsr-3223	285	30	becomes	become	VERB
fsr-3223	285	31	quite	quite	ADV
fsr-3223	285	32	challenging	challenging	ADJ
fsr-3223	285	33	.	.	PUNCT
fsr-3223	286	1	additionally	additionally	ADV
fsr-3223	286	2	,	,	PUNCT
fsr-3223	286	3	optimization	optimization	NOUN
fsr-3223	286	4	processes	process	NOUN
fsr-3223	286	5	are	be	AUX
fsr-3223	286	6	extremely	extremely	ADV
fsr-3223	286	7	sensitive	sensitive	ADJ
fsr-3223	286	8	to	to	ADP
fsr-3223	286	9	the	the	DET
fsr-3223	286	10	value	value	NOUN
fsr-3223	286	11	of	of	ADP
fsr-3223	286	12	inputs	input	NOUN
fsr-3223	286	13	,	,	PUNCT
fsr-3223	286	14	for	for	ADP
fsr-3223	286	15	example	example	NOUN
fsr-3223	286	16	,	,	PUNCT
fsr-3223	286	17	a	a	DET
fsr-3223	286	18	small	small	ADJ
fsr-3223	286	19	change	change	NOUN
fsr-3223	286	20	in	in	ADP
fsr-3223	286	21	volatility	volatility	NOUN
fsr-3223	286	22	causes	cause	VERB
fsr-3223	286	23	a	a	DET
fsr-3223	286	24	significant	significant	ADJ
fsr-3223	286	25	shift	shift	NOUN
fsr-3223	286	26	in	in	ADP
fsr-3223	286	27	the	the	DET
fsr-3223	286	28	optimal	optimal	ADJ
fsr-3223	286	29	portfolio	portfolio	NOUN
fsr-3223	286	30	.	.	PUNCT
fsr-3223	287	1	in	in	ADP
fsr-3223	287	2	light	light	NOUN
fsr-3223	287	3	of	of	ADP
fsr-3223	287	4	the	the	DET
fsr-3223	287	5	preceding	preceding	NOUN
fsr-3223	287	6	,	,	PUNCT
fsr-3223	287	7	a	a	DET
fsr-3223	287	8	ldi	ldi	PROPN
fsr-3223	287	9	only	only	ADV
fsr-3223	287	10	based	base	VERB
fsr-3223	287	11	approach	approach	NOUN
fsr-3223	287	12	,	,	PUNCT
fsr-3223	287	13	where	where	SCONJ
fsr-3223	287	14	portfolio	portfolio	NOUN
fsr-3223	287	15	optimization	optimization	NOUN
fsr-3223	287	16	is	be	AUX
fsr-3223	287	17	a	a	DET
fsr-3223	287	18	secondary	secondary	ADJ
fsr-3223	287	19	constraint	constraint	NOUN
fsr-3223	287	20	to	to	ADP
fsr-3223	287	21	designing	design	VERB
fsr-3223	287	22	glide	glide	NOUN
fsr-3223	287	23	paths	path	NOUN
fsr-3223	287	24	might	might	AUX
fsr-3223	287	25	be	be	AUX
fsr-3223	287	26	worth	worth	ADJ
fsr-3223	287	27	pursuing	pursue	VERB
fsr-3223	287	28	.	.	PUNCT
fsr-3223	288	1	whitten	whitten	PROPN
fsr-3223	288	2	and	and	CCONJ
fsr-3223	288	3	thuerbach	thuerbach	NOUN
fsr-3223	288	4	(	(	PUNCT
fsr-3223	288	5	2015	2015	NUM
fsr-3223	288	6	)	)	PUNCT
fsr-3223	288	7	provide	provide	VERB
fsr-3223	288	8	an	an	DET
fsr-3223	288	9	illustration	illustration	NOUN
fsr-3223	288	10	of	of	ADP
fsr-3223	288	11	using	use	VERB
fsr-3223	288	12	ldi	ldi	PROPN
fsr-3223	288	13	driven	drive	VERB
fsr-3223	288	14	glide	glide	NOUN
fsr-3223	288	15	paths	path	NOUN
fsr-3223	288	16	.	.	PUNCT
fsr-3223	289	1	the	the	DET
fsr-3223	289	2	goal	goal	NOUN
fsr-3223	289	3	is	be	AUX
fsr-3223	289	4	to	to	PART
fsr-3223	289	5	provide	provide	VERB
fsr-3223	289	6	a	a	DET
fsr-3223	289	7	level	level	NOUN
fsr-3223	289	8	of	of	ADP
fsr-3223	289	9	real	real	ADJ
fsr-3223	289	10	income	income	NOUN
fsr-3223	289	11	during	during	ADP
fsr-3223	289	12	retirement	retirement	NOUN
fsr-3223	289	13	.	.	PUNCT
fsr-3223	290	1	using	use	VERB
fsr-3223	290	2	a	a	DET
fsr-3223	290	3	glide	glide	ADJ
fsr-3223	290	4	path	path	NOUN
fsr-3223	290	5	that	that	PRON
fsr-3223	290	6	has	have	VERB
fsr-3223	290	7	a	a	DET
fsr-3223	290	8	higher	high	ADJ
fsr-3223	290	9	proportion	proportion	NOUN
fsr-3223	290	10	of	of	ADP
fsr-3223	290	11	traditional	traditional	ADJ
fsr-3223	290	12	inflation	inflation	NOUN
fsr-3223	290	13	hedge	hedge	NOUN
fsr-3223	290	14	assets	asset	NOUN
fsr-3223	290	15	(	(	PUNCT
fsr-3223	290	16	tips	tip	NOUN
fsr-3223	290	17	�	�	PROPN
fsr-3223	290	18	commodities	commodity	NOUN
fsr-3223	290	19	�	�	PROPN
fsr-3223	290	20	real	real	ADJ
fsr-3223	290	21	estate	estate	NOUN
fsr-3223	290	22	)	)	PUNCT
fsr-3223	290	23	and	and	CCONJ
fsr-3223	290	24	lower	low	ADJ
fsr-3223	290	25	proportion	proportion	NOUN
fsr-3223	290	26	of	of	ADP
fsr-3223	290	27	traditional	traditional	ADJ
fsr-3223	290	28	equities	equity	NOUN
fsr-3223	290	29	over	over	ADP
fsr-3223	290	30	time	time	NOUN
fsr-3223	290	31	,	,	PUNCT
fsr-3223	290	32	through	through	ADP
fsr-3223	290	33	monte	monte	PROPN
fsr-3223	290	34	carlo	carlo	PROPN
fsr-3223	290	35	simulations	simulation	NOUN
fsr-3223	290	36	,	,	PUNCT
fsr-3223	290	37	they	they	PRON
fsr-3223	290	38	demonstrate	demonstrate	VERB
fsr-3223	290	39	that	that	SCONJ
fsr-3223	290	40	such	such	ADJ
fsr-3223	290	41	glide	glide	ADJ
fsr-3223	290	42	paths	path	NOUN
fsr-3223	290	43	provide	provide	VERB
fsr-3223	290	44	narrower	narrow	ADJ
fsr-3223	290	45	distributions	distribution	NOUN
fsr-3223	290	46	and	and	CCONJ
fsr-3223	290	47	lower	low	ADJ
fsr-3223	290	48	value	value	NOUN
fsr-3223	290	49	at	at	ADP
fsr-3223	290	50	risk	risk	NOUN
fsr-3223	290	51	(	(	PUNCT
fsr-3223	290	52	var	var	NOUN
fsr-3223	290	53	)	)	PUNCT
fsr-3223	290	54	across	across	ADP
fsr-3223	290	55	all	all	DET
fsr-3223	290	56	retirement	retirement	NOUN
fsr-3223	290	57	horizons	horizon	NOUN
fsr-3223	290	58	.	.	PUNCT
fsr-3223	291	1	it	it	PRON
fsr-3223	291	2	is	be	AUX
fsr-3223	291	3	important	important	ADJ
fsr-3223	291	4	to	to	PART
fsr-3223	291	5	point	point	VERB
fsr-3223	291	6	out	out	ADP
fsr-3223	291	7	that	that	SCONJ
fsr-3223	291	8	the	the	DET
fsr-3223	291	9	analysis	analysis	NOUN
fsr-3223	291	10	is	be	AUX
fsr-3223	291	11	to	to	ADP
fsr-3223	291	12	retirement	retirement	NOUN
fsr-3223	291	13	and	and	CCONJ
fsr-3223	291	14	does	do	AUX
fsr-3223	291	15	not	not	PART
fsr-3223	291	16	extend	extend	VERB
fsr-3223	291	17	through	through	ADP
fsr-3223	291	18	retirement	retirement	NOUN
fsr-3223	291	19	.	.	PUNCT
fsr-3223	292	1	anecdotally	anecdotally	ADV
fsr-3223	292	2	,	,	PUNCT
fsr-3223	292	3	it	it	PRON
fsr-3223	292	4	seems	seem	VERB
fsr-3223	292	5	that	that	SCONJ
fsr-3223	292	6	ldi	ldi	PROPN
fsr-3223	292	7	is	be	AUX
fsr-3223	292	8	garnering	garner	VERB
fsr-3223	292	9	increasing	increase	VERB
fsr-3223	292	10	interest	interest	NOUN
fsr-3223	292	11	of	of	ADP
fsr-3223	292	12	practitioners	practitioner	NOUN
fsr-3223	292	13	.	.	PUNCT
fsr-3223	293	1	in	in	ADP
fsr-3223	293	2	addition	addition	NOUN
fsr-3223	293	3	to	to	ADP
fsr-3223	293	4	pimco	pimco	PROPN
fsr-3223	293	5	,	,	PUNCT
fsr-3223	293	6	dimensional	dimensional	ADJ
fsr-3223	293	7	funds	fund	NOUN
fsr-3223	293	8	advisors	advisor	NOUN
fsr-3223	293	9	(	(	PUNCT
fsr-3223	293	10	2016	2016	NUM
fsr-3223	293	11	)	)	PUNCT
fsr-3223	293	12	,	,	PUNCT
fsr-3223	293	13	a	a	DET
fsr-3223	293	14	mutual	mutual	ADJ
fsr-3223	293	15	fund	fund	NOUN
fsr-3223	293	16	company	company	NOUN
fsr-3223	293	17	,	,	PUNCT
fsr-3223	293	18	recently	recently	ADV
fsr-3223	293	19	introduced	introduce	VERB
fsr-3223	293	20	tdfs	tdfs	NOUN
fsr-3223	293	21	of	of	ADP
fsr-3223	293	22	various	various	ADJ
fsr-3223	293	23	vintages	vintage	NOUN
fsr-3223	293	24	premised	premise	VERB
fsr-3223	293	25	on	on	ADP
fsr-3223	293	26	ldi	ldi	PROPN
fsr-3223	293	27	.	.	PUNCT
fsr-3223	294	1	a	a	DET
fsr-3223	294	2	review	review	NOUN
fsr-3223	294	3	of	of	ADP
fsr-3223	294	4	the	the	DET
fsr-3223	294	5	promotional	promotional	ADJ
fsr-3223	294	6	literature	literature	NOUN
fsr-3223	294	7	and	and	CCONJ
fsr-3223	294	8	prospectus	prospectus	NOUN
fsr-3223	294	9	of	of	ADP
fsr-3223	294	10	these	these	DET
fsr-3223	294	11	funds	fund	NOUN
fsr-3223	294	12	provide	provide	VERB
fsr-3223	294	13	a	a	DET
fsr-3223	294	14	good	good	ADJ
fsr-3223	294	15	example	example	NOUN
fsr-3223	294	16	of	of	ADP
fsr-3223	294	17	application	application	NOUN
fsr-3223	294	18	of	of	ADP
fsr-3223	294	19	the	the	DET
fsr-3223	294	20	ideas	idea	NOUN
fsr-3223	294	21	discussed	discuss	VERB
fsr-3223	294	22	previously	previously	ADV
fsr-3223	294	23	in	in	ADP
fsr-3223	294	24	this	this	DET
fsr-3223	294	25	section	section	NOUN
fsr-3223	294	26	.	.	PUNCT
fsr-3223	295	1	for	for	ADP
fsr-3223	295	2	example	example	NOUN
fsr-3223	295	3	,	,	PUNCT
fsr-3223	295	4	the	the	DET
fsr-3223	295	5	2005	2005	NUM
fsr-3223	295	6	,	,	PUNCT
fsr-3223	295	7	2010	2010	NUM
fsr-3223	295	8	,	,	PUNCT
fsr-3223	295	9	and	and	CCONJ
fsr-3223	295	10	2015	2015	NUM
fsr-3223	295	11	vintages	vintage	NOUN
fsr-3223	295	12	at	at	ADP
fsr-3223	295	13	the	the	DET
fsr-3223	295	14	end	end	NOUN
fsr-3223	295	15	of	of	ADP
fsr-3223	295	16	may	may	PROPN
fsr-3223	295	17	31	31	NUM
fsr-3223	295	18	,	,	PUNCT
fsr-3223	295	19	2016	2016	NUM
fsr-3223	295	20	held	hold	VERB
fsr-3223	295	21	about	about	ADV
fsr-3223	295	22	two	two	NUM
fsr-3223	295	23	-	-	PUNCT
fsr-3223	295	24	thirds	third	NOUN
fsr-3223	295	25	of	of	ADP
fsr-3223	295	26	their	their	PRON
fsr-3223	295	27	assets	asset	NOUN
fsr-3223	295	28	in	in	ADP
fsr-3223	295	29	tips	tip	NOUN
fsr-3223	295	30	.	.	PUNCT
fsr-3223	296	1	this	this	PRON
fsr-3223	296	2	is	be	AUX
fsr-3223	296	3	a	a	DET
fsr-3223	296	4	good	good	ADJ
fsr-3223	296	5	illustration	illustration	NOUN
fsr-3223	296	6	of	of	ADP
fsr-3223	296	7	implementation	implementation	NOUN
fsr-3223	296	8	of	of	ADP
fsr-3223	296	9	the	the	DET
fsr-3223	296	10	recommendations	recommendation	NOUN
fsr-3223	296	11	of	of	ADP
fsr-3223	296	12	whitten	whitten	PROPN
fsr-3223	296	13	and	and	CCONJ
fsr-3223	296	14	thuerbach	thuerbach	NOUN
fsr-3223	296	15	(	(	PUNCT
fsr-3223	296	16	2015	2015	NUM
fsr-3223	296	17	)	)	PUNCT
fsr-3223	296	18	.	.	PUNCT
fsr-3223	297	1	a	a	DET
fsr-3223	297	2	summary	summary	NOUN
fsr-3223	297	3	of	of	ADP
fsr-3223	297	4	the	the	DET
fsr-3223	297	5	research	research	NOUN
fsr-3223	297	6	on	on	ADP
fsr-3223	297	7	the	the	DET
fsr-3223	297	8	human	human	ADJ
fsr-3223	297	9	capital	capital	NOUN
fsr-3223	297	10	aspects	aspect	NOUN
fsr-3223	297	11	and	and	CCONJ
fsr-3223	297	12	liability	liability	NOUN
fsr-3223	297	13	driven	drive	VERB
fsr-3223	297	14	investing	invest	VERB
fsr-3223	297	15	as	as	ADP
fsr-3223	297	16	pertaining	pertain	VERB
fsr-3223	297	17	to	to	ADP
fsr-3223	297	18	tdfs	tdfs	NOUN
fsr-3223	297	19	appears	appear	VERB
fsr-3223	297	20	in	in	ADP
fsr-3223	297	21	table	table	NOUN
fsr-3223	297	22	2	2	NUM
fsr-3223	297	23	.	.	PUNCT
fsr-3223	298	1	for	for	ADP
fsr-3223	298	2	comparative	comparative	ADJ
fsr-3223	298	3	evaluation	evaluation	NOUN
fsr-3223	298	4	and	and	CCONJ
fsr-3223	298	5	justifying	justify	VERB
fsr-3223	298	6	changes	change	NOUN
fsr-3223	298	7	to	to	ADP
fsr-3223	298	8	existing	exist	VERB
fsr-3223	298	9	tdf	tdf	PROPN
fsr-3223	298	10	design	design	NOUN
fsr-3223	298	11	,	,	PUNCT
fsr-3223	298	12	it	it	PRON
fsr-3223	298	13	becomes	become	VERB
fsr-3223	298	14	important	important	ADJ
fsr-3223	298	15	to	to	PART
fsr-3223	298	16	measure	measure	VERB
fsr-3223	298	17	outcomes	outcome	NOUN
fsr-3223	298	18	from	from	ADP
fsr-3223	298	19	tdf	tdf	PROPN
fsr-3223	298	20	investing	investing	NOUN
fsr-3223	298	21	.	.	PUNCT
fsr-3223	299	1	tdfs	tdfs	NOUN
fsr-3223	299	2	have	have	AUX
fsr-3223	299	3	now	now	ADV
fsr-3223	299	4	been	be	AUX
fsr-3223	299	5	in	in	ADP
fsr-3223	299	6	existence	existence	NOUN
fsr-3223	299	7	for	for	ADP
fsr-3223	299	8	246	246	NUM
fsr-3223	299	9	s.	s.	PROPN
fsr-3223	299	10	singh	singh	PROPN
fsr-3223	299	11	/	/	SYM
fsr-3223	299	12	financial	financial	ADJ
fsr-3223	299	13	services	service	NOUN
fsr-3223	299	14	review	review	VERB
fsr-3223	299	15	25	25	NUM
fsr-3223	299	16	(	(	PUNCT
fsr-3223	299	17	2016	2016	NUM
fsr-3223	299	18	)	)	PUNCT
fsr-3223	299	19	235–262	235–262	NUM
fsr-3223	299	20	t	t	PROPN
fsr-3223	299	21	ab	ab	X
fsr-3223	299	22	le	le	PROPN
fsr-3223	299	23	2	2	PROPN
fsr-3223	299	24	t	t	PROPN
fsr-3223	299	25	ar	ar	PROPN
fsr-3223	299	26	ge	ge	PROPN
fsr-3223	299	27	tda	tda	PROPN
fsr-3223	299	28	te	te	PROPN
fsr-3223	299	29	fu	fu	PROPN
fsr-3223	299	30	nd	nd	PROPN
fsr-3223	299	31	re	re	PROPN
fsr-3223	299	32	se	se	PROPN
fsr-3223	299	33	ar	ar	PROPN
fsr-3223	299	34	ch	ch	PROPN
fsr-3223	299	35	su	su	PROPN
fsr-3223	299	36	m	m	PROPN
fsr-3223	299	37	m	m	PROPN
fsr-3223	299	38	ar	ar	PROPN
fsr-3223	299	39	y	y	PROPN
fsr-3223	299	40	a	a	DET
fsr-3223	299	41	ut	ut	PROPN
fsr-3223	299	42	ho	ho	PROPN
fsr-3223	299	43	r	r	PROPN
fsr-3223	299	44	(	(	PUNCT
fsr-3223	299	45	s	s	NOUN
fsr-3223	299	46	)	)	PUNCT
fsr-3223	299	47	y	y	PROPN
fsr-3223	299	48	ea	ea	PROPN
fsr-3223	299	49	r	r	NOUN
fsr-3223	299	50	t	t	NOUN
fsr-3223	299	51	op	op	NOUN
fsr-3223	299	52	ic	ic	PROPN
fsr-3223	300	1	fo	fo	ADP
fsr-3223	300	2	cu	cu	PROPN
fsr-3223	300	3	s	s	PROPN
fsr-3223	300	4	pu	pu	PROPN
fsr-3223	300	5	bl	bl	PROPN
fsr-3223	300	6	ic	ic	PROPN
fsr-3223	300	7	at	at	ADP
fsr-3223	300	8	io	io	PROPN
fsr-3223	300	9	n	n	CCONJ
fsr-3223	300	10	k	k	PROPN
fsr-3223	300	11	ey	ey	PRON
fsr-3223	300	12	fin	fin	NOUN
fsr-3223	300	13	di	di	X
fsr-3223	300	14	ng	ng	PROPN
fsr-3223	300	15	/c	/c	PUNCT
fsr-3223	300	16	on	on	ADP
fsr-3223	300	17	tr	tr	VERB
fsr-3223	300	18	ib	ib	PROPN
fsr-3223	300	19	ut	ut	PROPN
fsr-3223	300	20	io	io	PROPN
fsr-3223	300	21	n	n	PROPN
fsr-3223	301	1	a	a	DET
fsr-3223	301	2	gn	gn	INTJ
fsr-3223	301	3	ew	ew	INTJ
fsr-3223	301	4	et	et	NOUN
fsr-3223	301	5	al	al	PROPN
fsr-3223	301	6	.	.	PUNCT
fsr-3223	302	1	20	20	NUM
fsr-3223	302	2	03	03	NUM
fsr-3223	302	3	a	a	DET
fsr-3223	302	4	na	na	NOUN
fsr-3223	302	5	ly	ly	X
fsr-3223	302	6	si	si	PROPN
fsr-3223	302	7	s	s	PROPN
fsr-3223	302	8	of	of	ADP
fsr-3223	302	9	40	40	NUM
fsr-3223	302	10	1	1	NUM
fsr-3223	302	11	(	(	PUNCT
fsr-3223	302	12	k	k	NOUN
fsr-3223	302	13	)	)	PUNCT
fsr-3223	302	14	po	po	PROPN
fsr-3223	303	1	rt	rt	INTJ
fsr-3223	303	2	fo	fo	INTJ
fsr-3223	303	3	lio	lio	PROPN
fsr-3223	303	4	s	s	PROPN
fsr-3223	303	5	a	a	PROPN
fsr-3223	303	6	m	m	NOUN
fsr-3223	303	7	er	er	INTJ
fsr-3223	303	8	ic	ic	PROPN
fsr-3223	303	9	an	an	DET
fsr-3223	303	10	e	e	X
fsr-3223	303	11	co	co	NOUN
fsr-3223	303	12	no	no	INTJ
fsr-3223	303	13	m	m	NOUN
fsr-3223	303	14	ic	ic	NOUN
fsr-3223	303	15	r	r	NOUN
fsr-3223	303	16	ev	ev	X
fsr-3223	303	17	ie	ie	PROPN
fsr-3223	303	18	w	w	PROPN
fsr-3223	303	19	pa	pa	PROPN
fsr-3223	303	20	rt	rt	PROPN
fsr-3223	303	21	ic	ic	PROPN
fsr-3223	303	22	ip	ip	VERB
fsr-3223	303	23	an	an	DET
fsr-3223	303	24	t	t	NOUN
fsr-3223	303	25	as	as	SCONJ
fsr-3223	303	26	se	se	PROPN
fsr-3223	303	27	t	t	PROPN
fsr-3223	303	28	al	al	PROPN
fsr-3223	303	29	lo	lo	PROPN
fsr-3223	303	30	ca	can	AUX
fsr-3223	303	31	tio	tio	VERB
fsr-3223	303	32	n	n	PROPN
fsr-3223	303	33	ne	ne	PROPN
fsr-3223	303	34	gl	gl	PROPN
fsr-3223	304	1	ec	ec	PROPN
fsr-3223	304	2	t	t	PROPN
fsr-3223	304	3	an	an	PROPN
fsr-3223	304	4	d	d	X
fsr-3223	304	5	ra	ra	PROPN
fsr-3223	304	6	re	re	X
fsr-3223	304	7	re	re	VERB
fsr-3223	304	8	ba	ba	PROPN
fsr-3223	304	9	la	la	PROPN
fsr-3223	304	10	nc	nc	PROPN
fsr-3223	304	11	in	in	ADP
fsr-3223	304	12	g.	g.	PROPN
fsr-3223	304	13	t	t	PROPN
fsr-3223	304	14	an	an	DET
fsr-3223	304	15	g	g	PROPN
fsr-3223	304	16	et	et	NOUN
fsr-3223	304	17	al	al	PROPN
fsr-3223	304	18	.	.	PUNCT
fsr-3223	305	1	20	20	NUM
fsr-3223	305	2	10	10	NUM
fsr-3223	305	3	jo	jo	INTJ
fsr-3223	305	4	ur	ur	INTJ
fsr-3223	305	5	na	na	ADP
fsr-3223	305	6	l	l	NOUN
fsr-3223	305	7	of	of	ADP
fsr-3223	305	8	pu	pu	PROPN
fsr-3223	305	9	bl	bl	PROPN
fsr-3223	305	10	ic	ic	PROPN
fsr-3223	305	11	e	e	PROPN
fsr-3223	305	12	co	co	X
fsr-3223	305	13	n.	n.	PROPN
fsr-3223	305	14	o	o	PROPN
fsr-3223	305	15	pt	pt	INTJ
fsr-3223	306	1	i	i	NOUN
fsr-3223	306	2	m	m	VERB
fsr-3223	306	3	al	al	PROPN
fsr-3223	306	4	po	po	PROPN
fsr-3223	307	1	rt	rt	PROPN
fsr-3223	307	2	fo	fo	INTJ
fsr-3223	307	3	lio	lio	PROPN
fsr-3223	307	4	of	of	ADP
fsr-3223	307	5	fe	fe	PROPN
fsr-3223	307	6	ri	ri	PROPN
fsr-3223	307	7	ng	ng	PROPN
fsr-3223	307	8	s	s	PROPN
fsr-3223	307	9	un	un	PROPN
fsr-3223	307	10	do	do	AUX
fsr-3223	307	11	ne	ne	PROPN
fsr-3223	307	12	by	by	ADP
fsr-3223	307	13	po	po	NOUN
fsr-3223	307	14	or	or	CCONJ
fsr-3223	307	15	pa	pa	PROPN
fsr-3223	307	16	rt	rt	PROPN
fsr-3223	307	17	ic	ic	PROPN
fsr-3223	307	18	ip	ip	VERB
fsr-3223	307	19	an	an	DET
fsr-3223	307	20	t	t	NOUN
fsr-3223	307	21	ch	ch	NOUN
fsr-3223	307	22	oi	oi	PROPN
fsr-3223	307	23	ce	ce	PROPN
fsr-3223	307	24	.	.	PUNCT
fsr-3223	308	1	l	l	NOUN
fsr-3223	309	1	an	an	DET
fsr-3223	309	2	ds	ds	NOUN
fsr-3223	309	3	be	be	AUX
fsr-3223	309	4	rg	rg	INTJ
fsr-3223	309	5	20	20	NUM
fsr-3223	309	6	07	07	NUM
fsr-3223	309	7	t	t	PROPN
fsr-3223	310	1	d	d	X
fsr-3223	310	2	f	f	PROPN
fsr-3223	310	3	m	m	PROPN
fsr-3223	310	4	ar	ar	PROPN
fsr-3223	310	5	ke	ke	PROPN
fsr-3223	310	6	t	t	PROPN
fsr-3223	310	7	an	an	DET
fsr-3223	310	8	d	d	PROPN
fsr-3223	310	9	re	re	ADP
fsr-3223	310	10	gu	gu	NOUN
fsr-3223	310	11	la	la	PROPN
fsr-3223	310	12	to	to	PART
fsr-3223	310	13	ry	ry	VERB
fsr-3223	310	14	en	en	PROPN
fsr-3223	310	15	vi	vi	PROPN
fsr-3223	310	16	ro	ro	X
fsr-3223	310	17	nm	nm	PROPN
fsr-3223	310	18	en	en	PROPN
fsr-3223	310	19	t	t	PROPN
fsr-3223	310	20	j	j	PROPN
fsr-3223	310	21	of	of	ADP
fsr-3223	310	22	d	d	PROPN
fsr-3223	310	23	ef	ef	PROPN
fsr-3223	310	24	er	er	INTJ
fsr-3223	310	25	re	re	PROPN
fsr-3223	310	26	d	d	PROPN
fsr-3223	310	27	c	c	NOUN
fsr-3223	310	28	om	om	PROPN
fsr-3223	310	29	p.	p.	NOUN
fsr-3223	310	30	e	e	PROPN
fsr-3223	311	1	nr	nr	PROPN
fsr-3223	311	2	ol	ol	PROPN
fsr-3223	311	3	m	m	PROPN
fsr-3223	311	4	en	en	PROPN
fsr-3223	311	5	t	t	NOUN
fsr-3223	311	6	pr	pr	NOUN
fsr-3223	311	7	oc	oc	NOUN
fsr-3223	311	8	ed	ed	NOUN
fsr-3223	311	9	ur	ur	INTJ
fsr-3223	311	10	es	es	ADP
fsr-3223	311	11	an	an	DET
fsr-3223	311	12	d	d	NOUN
fsr-3223	311	13	re	re	X
fsr-3223	311	14	g.	g.	PROPN
fsr-3223	311	15	re	re	PROPN
fsr-3223	311	16	lie	lie	VERB
fsr-3223	312	1	f	f	PROPN
fsr-3223	312	2	pr	pr	VERB
fsr-3223	312	3	om	om	PROPN
fsr-3223	312	4	ot	ot	INTJ
fsr-3223	312	5	e	e	PROPN
fsr-3223	312	6	as	as	ADP
fsr-3223	312	7	se	se	PROPN
fsr-3223	312	8	t	t	PROPN
fsr-3223	312	9	gr	gr	INTJ
fsr-3223	312	10	ow	ow	INTJ
fsr-3223	312	11	th	th	X
fsr-3223	312	12	.	.	PUNCT
fsr-3223	313	1	l	l	NOUN
fsr-3223	314	1	an	an	DET
fsr-3223	314	2	ds	ds	NOUN
fsr-3223	314	3	be	be	AUX
fsr-3223	314	4	rg	rg	PROPN
fsr-3223	314	5	20	20	NUM
fsr-3223	314	6	14	14	NUM
fsr-3223	314	7	j	j	PROPN
fsr-3223	314	8	of	of	ADP
fsr-3223	314	9	p.	p.	PROPN
fsr-3223	314	10	pl	pl	X
fsr-3223	315	1	an	an	PRON
fsr-3223	315	2	.	.	PUNCT
fsr-3223	316	1	&	&	CCONJ
fsr-3223	316	2	c	c	PROPN
fsr-3223	316	3	om	om	PROPN
fsr-3223	316	4	pl	pl	PROPN
fsr-3223	316	5	ia	ia	PROPN
fsr-3223	316	6	nc	nc	PROPN
fsr-3223	316	7	e	e	PROPN
fsr-3223	316	8	fi	fi	PROPN
fsr-3223	316	9	du	du	PROPN
fsr-3223	316	10	ci	ci	PROPN
fsr-3223	316	11	ar	ar	PROPN
fsr-3223	316	12	y	y	PROPN
fsr-3223	316	13	re	re	ADP
fsr-3223	316	14	sp	sp	ADP
fsr-3223	316	15	on	on	ADP
fsr-3223	316	16	si	si	X
fsr-3223	316	17	bi	bi	PROPN
fsr-3223	316	18	lit	light	VERB
fsr-3223	316	19	y	y	PROPN
fsr-3223	316	20	re	re	X
fsr-3223	316	21	la	la	X
fsr-3223	316	22	te	te	PROPN
fsr-3223	317	1	d	d	X
fsr-3223	317	2	to	to	ADP
fsr-3223	317	3	t	t	PROPN
fsr-3223	317	4	d	d	X
fsr-3223	317	5	fs	fs	INTJ
fsr-3223	318	1	fo	fo	INTJ
fsr-3223	318	2	r	r	NOUN
fsr-3223	318	3	pl	pl	X
fsr-3223	318	4	an	an	DET
fsr-3223	318	5	sp	sp	NOUN
fsr-3223	318	6	on	on	ADV
fsr-3223	318	7	so	so	ADV
fsr-3223	318	8	rs	rs	ADJ
fsr-3223	318	9	.	.	PUNCT
fsr-3223	319	1	r	r	NOUN
fsr-3223	319	2	ic	ic	INTJ
fsr-3223	319	3	ha	ha	INTJ
fsr-3223	319	4	rd	rd	PROPN
fsr-3223	319	5	s	s	PROPN
fsr-3223	319	6	et	et	NOUN
fsr-3223	319	7	al	al	PROPN
fsr-3223	319	8	.	.	PUNCT
fsr-3223	320	1	20	20	NUM
fsr-3223	320	2	14	14	NUM
fsr-3223	320	3	t	t	PROPN
fsr-3223	320	4	ia	ia	PROPN
fsr-3223	320	5	a	a	PRON
fsr-3223	320	6	-c	-c	PUNCT
fsr-3223	320	7	r	r	NOUN
fsr-3223	320	8	e	e	NOUN
fsr-3223	320	9	f	f	PROPN
fsr-3223	320	10	d	d	PROPN
fsr-3223	320	11	ia	ia	PROPN
fsr-3223	320	12	lo	lo	PROPN
fsr-3223	320	13	gu	gu	NOUN
fsr-3223	321	1	e	e	PROPN
fsr-3223	321	2	t	t	PROPN
fsr-3223	321	3	d	d	X
fsr-3223	321	4	fs	fs	INTJ
fsr-3223	321	5	ga	ga	PROPN
fsr-3223	321	6	rn	rn	PROPN
fsr-3223	321	7	er	er	INTJ
fsr-3223	321	8	in	in	ADP
fsr-3223	321	9	g	g	PROPN
fsr-3223	321	10	m	m	PROPN
fsr-3223	321	11	os	os	PROPN
fsr-3223	321	12	t	t	X
fsr-3223	321	13	re	re	AUX
fsr-3223	321	14	ce	ce	PROPN
fsr-3223	321	15	nt	not	PART
fsr-3223	321	16	re	re	AUX
fsr-3223	321	17	tir	tir	VERB
fsr-3223	321	18	em	em	PRON
fsr-3223	321	19	en	en	PROPN
fsr-3223	321	20	t	t	X
fsr-3223	321	21	co	co	PROPN
fsr-3223	321	22	nt	not	PART
fsr-3223	321	23	ri	ri	PROPN
fsr-3223	321	24	bu	bu	PROPN
fsr-3223	321	25	tio	tio	PROPN
fsr-3223	321	26	ns	ns	INTJ
fsr-3223	321	27	.	.	PUNCT
fsr-3223	322	1	b	b	X
fsr-3223	322	2	al	al	PROPN
fsr-3223	322	3	du	du	PROPN
fsr-3223	323	1	zz	zz	PROPN
fsr-3223	324	1	i	i	PRON
fsr-3223	324	2	et	et	PROPN
fsr-3223	324	3	al	al	PROPN
fsr-3223	324	4	.	.	PUNCT
fsr-3223	325	1	20	20	NUM
fsr-3223	325	2	15	15	NUM
fsr-3223	325	3	n	n	NOUN
fsr-3223	325	4	b	b	NOUN
fsr-3223	325	5	e	e	PROPN
fsr-3223	325	6	r	r	NOUN
fsr-3223	325	7	w	w	PROPN
fsr-3223	325	8	or	or	CCONJ
fsr-3223	325	9	ki	ki	INTJ
fsr-3223	325	10	ng	ng	PROPN
fsr-3223	326	1	pa	pa	PROPN
fsr-3223	326	2	pe	pe	PROPN
fsr-3223	326	3	r	r	PROPN
fsr-3223	326	4	si	si	PROPN
fsr-3223	326	5	gn	gn	PROPN
fsr-3223	326	6	ifi	ifi	PROPN
fsr-3223	326	7	ca	can	AUX
fsr-3223	326	8	nt	not	PART
fsr-3223	326	9	ri	ri	VERB
fsr-3223	326	10	sk	sk	INTJ
fsr-3223	326	11	ta	ta	AUX
fsr-3223	326	12	ki	ki	PROPN
fsr-3223	326	13	ng	ng	PROPN
fsr-3223	326	14	di	di	PROPN
fsr-3223	326	15	ve	ve	PROPN
fsr-3223	326	16	rs	rs	PROPN
fsr-3223	326	17	ity	ity	PROPN
fsr-3223	326	18	in	in	ADP
fsr-3223	326	19	lo	lo	PROPN
fsr-3223	326	20	w	w	PROPN
fsr-3223	326	21	er	er	INTJ
fsr-3223	326	22	m	m	PROPN
fsr-3223	326	23	ar	ar	PROPN
fsr-3223	326	24	ke	ke	PROPN
fsr-3223	326	25	t	t	PROPN
fsr-3223	326	26	sh	sh	PROPN
fsr-3223	326	27	ar	ar	PROPN
fsr-3223	326	28	e	e	PROPN
fsr-3223	326	29	fu	fu	PROPN
fsr-3223	326	30	nd	nd	PROPN
fsr-3223	326	31	s.	s.	PROPN
fsr-3223	326	32	b	b	PROPN
fsr-3223	326	33	as	as	ADP
fsr-3223	326	34	u	u	PROPN
fsr-3223	326	35	&	&	CCONJ
fsr-3223	326	36	d	d	PROPN
fsr-3223	326	37	re	re	PROPN
fsr-3223	326	38	w	w	PROPN
fsr-3223	326	39	20	20	NUM
fsr-3223	326	40	09	09	NUM
fsr-3223	326	41	g	g	NOUN
fsr-3223	326	42	lid	lid	NOUN
fsr-3223	326	43	e	e	NOUN
fsr-3223	326	44	pa	pa	PROPN
fsr-3223	326	45	th	th	X
fsr-3223	326	46	de	de	X
fsr-3223	326	47	si	si	PROPN
fsr-3223	326	48	gn	gn	PROPN
fsr-3223	326	49	j	j	PROPN
fsr-3223	326	50	of	of	ADP
fsr-3223	326	51	po	po	PROPN
fsr-3223	327	1	rt	rt	INTJ
fsr-3223	327	2	fo	fo	INTJ
fsr-3223	327	3	lio	lio	PROPN
fsr-3223	327	4	m	m	VERB
fsr-3223	327	5	an	an	DET
fsr-3223	327	6	ag	ag	PROPN
fsr-3223	327	7	em	em	PRON
fsr-3223	327	8	en	en	PROPN
fsr-3223	327	9	t	t	X
fsr-3223	327	10	pe	pe	PROPN
fsr-3223	327	11	rf	rf	NOUN
fsr-3223	327	12	or	or	CCONJ
fsr-3223	327	13	m	m	VERB
fsr-3223	327	14	an	an	DET
fsr-3223	327	15	ce	ce	PROPN
fsr-3223	327	16	in	in	ADP
fsr-3223	327	17	la	la	PROPN
fsr-3223	327	18	te	te	PROPN
fsr-3223	327	19	ye	ye	PROPN
fsr-3223	327	20	ar	ar	PROPN
fsr-3223	327	21	s	s	PART
fsr-3223	327	22	do	do	AUX
fsr-3223	327	23	m	m	PRON
fsr-3223	327	24	in	in	ADP
fsr-3223	327	25	at	at	ADP
fsr-3223	327	26	es	es	X
fsr-3223	327	27	re	re	AUX
fsr-3223	327	28	tir	tir	VERB
fsr-3223	327	29	em	em	PRON
fsr-3223	327	30	en	en	PROPN
fsr-3223	327	31	t	t	PROPN
fsr-3223	327	32	ac	ac	PROPN
fsr-3223	328	1	cu	cu	PROPN
fsr-3223	328	2	m	m	PROPN
fsr-3223	328	3	ul	ul	PROPN
fsr-3223	328	4	at	at	ADP
fsr-3223	328	5	io	io	PROPN
fsr-3223	328	6	n.	n.	PROPN
fsr-3223	328	7	c	c	PROPN
fsr-3223	329	1	la	la	PRON
fsr-3223	329	2	rk	rk	PROPN
fsr-3223	329	3	&	&	CCONJ
fsr-3223	329	4	h	h	PROPN
fsr-3223	330	1	oo	oo	INTJ
fsr-3223	330	2	d	d	PROPN
fsr-3223	330	3	20	20	NUM
fsr-3223	330	4	09	09	NUM
fsr-3223	330	5	jo	jo	INTJ
fsr-3223	330	6	ur	ur	INTJ
fsr-3223	330	7	na	na	ADP
fsr-3223	330	8	l	l	NOUN
fsr-3223	330	9	of	of	ADP
fsr-3223	330	10	in	in	ADP
fsr-3223	330	11	ve	ve	PROPN
fsr-3223	330	12	st	st	PROPN
fsr-3223	330	13	in	in	ADP
fsr-3223	330	14	g	g	PROPN
fsr-3223	330	15	e	e	PROPN
fsr-3223	330	16	qu	qu	PROPN
fsr-3223	330	17	iti	iti	PROPN
fsr-3223	330	18	es	es	X
fsr-3223	330	19	to	to	ADP
fsr-3223	330	20	in	in	ADP
fsr-3223	330	21	cr	cr	X
fsr-3223	330	22	ea	ea	X
fsr-3223	330	23	se	se	PROPN
fsr-3223	330	24	in	in	ADP
fsr-3223	330	25	re	re	ADJ
fsr-3223	330	26	tir	tir	VERB
fsr-3223	330	27	em	em	PRON
fsr-3223	330	28	en	en	PROPN
fsr-3223	330	29	t	t	PROPN
fsr-3223	331	1	fo	fo	INTJ
fsr-3223	331	2	r	r	NOUN
fsr-3223	331	3	co	co	NOUN
fsr-3223	331	4	ns	ns	VERB
fsr-3223	331	5	ta	ta	VERB
fsr-3223	331	6	nt	not	PART
fsr-3223	331	7	re	re	PROPN
fsr-3223	331	8	al	al	PROPN
fsr-3223	331	9	re	re	PROPN
fsr-3223	331	10	tu	tu	PROPN
fsr-3223	331	11	rn	rn	PROPN
fsr-3223	331	12	s.	s.	PROPN
fsr-3223	331	13	pf	pf	PROPN
fsr-3223	331	14	au	au	PROPN
fsr-3223	331	15	20	20	NUM
fsr-3223	331	16	10	10	NUM
fsr-3223	331	17	fi	fi	NOUN
fsr-3223	331	18	na	na	PROPN
fsr-3223	331	19	nc	nc	PROPN
fsr-3223	331	20	ia	ia	PROPN
fsr-3223	331	21	l	l	PROPN
fsr-3223	331	22	se	se	PROPN
fsr-3223	331	23	rv	rv	PROPN
fsr-3223	332	1	ic	ic	PROPN
fsr-3223	332	2	es	es	ADP
fsr-3223	332	3	r	r	NOUN
fsr-3223	332	4	ev	ev	X
fsr-3223	332	5	ie	ie	X
fsr-3223	332	6	w	w	PROPN
fsr-3223	332	7	l	l	NOUN
fsr-3223	332	8	if	if	SCONJ
fsr-3223	332	9	e	e	PROPN
fsr-3223	332	10	cy	cy	PROPN
fsr-3223	332	11	cl	cl	PROPN
fsr-3223	332	12	e	e	PROPN
fsr-3223	332	13	fu	fu	NOUN
fsr-3223	332	14	nd	nd	NOUN
fsr-3223	332	15	s	s	VERB
fsr-3223	333	1	pr	pr	INTJ
fsr-3223	334	1	ov	ov	INTJ
fsr-3223	334	2	i	i	INTJ
fsr-3223	334	3	d	d	PROPN
fsr-3223	334	4	e	e	X
fsr-3223	335	1	hi	hi	INTJ
fsr-3223	335	2	gh	gh	PROPN
fsr-3223	335	3	er	er	INTJ
fsr-3223	335	4	ut	ut	PROPN
fsr-3223	335	5	ili	ili	PROPN
fsr-3223	335	6	ty	ty	INTJ
fsr-3223	336	1	if	if	SCONJ
fsr-3223	336	2	ri	ri	PROPN
fsr-3223	336	3	sk	sk	VERB
fsr-3223	336	4	av	av	PROPN
fsr-3223	336	5	er	er	INTJ
fsr-3223	336	6	si	si	X
fsr-3223	336	7	on	on	ADP
fsr-3223	336	8	is	be	AUX
fsr-3223	336	9	m	m	PROPN
fsr-3223	336	10	od	od	ADJ
fsr-3223	336	11	es	es	X
fsr-3223	336	12	t.	t.	PROPN
fsr-3223	336	13	pf	pf	PROPN
fsr-3223	336	14	au	au	PROPN
fsr-3223	336	15	20	20	NUM
fsr-3223	336	16	11	11	NUM
fsr-3223	336	17	a	a	DET
fsr-3223	336	18	pp	pp	ADJ
fsr-3223	336	19	lie	lie	NOUN
fsr-3223	337	1	d	d	X
fsr-3223	337	2	e	e	X
fsr-3223	337	3	co	co	NOUN
fsr-3223	337	4	no	no	INTJ
fsr-3223	337	5	m	m	NOUN
fsr-3223	337	6	ic	ic	NOUN
fsr-3223	337	7	l	l	NOUN
fsr-3223	337	8	et	et	NOUN
fsr-3223	337	9	te	te	INTJ
fsr-3223	337	10	rs	rs	PROPN
fsr-3223	337	11	d	d	INTJ
fsr-3223	337	12	et	et	PROPN
fsr-3223	337	13	er	er	INTJ
fsr-3223	337	14	m	m	VERB
fsr-3223	337	15	in	in	ADP
fsr-3223	337	16	e	e	PROPN
fsr-3223	337	17	gl	gl	PROPN
fsr-3223	338	1	i	i	PROPN
fsr-3223	338	2	d	d	PROPN
fsr-3223	338	3	e	e	X
fsr-3223	338	4	pa	pa	PROPN
fsr-3223	338	5	th	th	X
fsr-3223	338	6	s	s	PROPN
fsr-3223	338	7	ba	ba	PROPN
fsr-3223	338	8	se	se	PROPN
fsr-3223	339	1	d	d	PROPN
fsr-3223	339	2	on	on	ADP
fsr-3223	339	3	co	co	PUNCT
fsr-3223	339	4	ef	ef	PROPN
fsr-3223	339	5	fic	fic	PROPN
fsr-3223	339	6	ie	ie	PROPN
fsr-3223	339	7	nt	not	PART
fsr-3223	339	8	of	of	ADP
fsr-3223	339	9	ri	ri	PROPN
fsr-3223	339	10	sk	sk	INTJ
fsr-3223	339	11	av	av	PROPN
fsr-3223	339	12	er	er	INTJ
fsr-3223	339	13	si	si	INTJ
fsr-3223	339	14	on	on	ADV
fsr-3223	339	15	.	.	PUNCT
fsr-3223	340	1	y	y	PROPN
fsr-3223	340	2	oo	oo	INTJ
fsr-3223	340	3	n	n	PROPN
fsr-3223	340	4	20	20	NUM
fsr-3223	340	5	10	10	NUM
fsr-3223	340	6	j	j	PROPN
fsr-3223	340	7	of	of	ADP
fsr-3223	340	8	a	a	DET
fsr-3223	340	9	ss	ss	NOUN
fsr-3223	340	10	et	et	VERB
fsr-3223	340	11	m	m	VERB
fsr-3223	340	12	an	an	DET
fsr-3223	340	13	ag	ag	PROPN
fsr-3223	340	14	em	em	PRON
fsr-3223	340	15	en	en	INTJ
fsr-3223	340	16	t	t	PROPN
fsr-3223	340	17	r	r	NOUN
fsr-3223	340	18	is	be	AUX
fsr-3223	340	19	k	k	PROPN
fsr-3223	340	20	bu	bu	PROPN
fsr-3223	340	21	dg	dg	PROPN
fsr-3223	340	22	et	et	NOUN
fsr-3223	340	23	ba	ba	PROPN
fsr-3223	340	24	se	se	PROPN
fsr-3223	341	1	d	d	PROPN
fsr-3223	341	2	gl	gl	PROPN
fsr-3223	341	3	i	i	PROPN
fsr-3223	341	4	d	d	PROPN
fsr-3223	341	5	e	e	PROPN
fsr-3223	341	6	pa	pa	PROPN
fsr-3223	341	7	th	th	X
fsr-3223	341	8	s	s	PROPN
fsr-3223	341	9	in	in	ADP
fsr-3223	341	10	st	st	PROPN
fsr-3223	341	11	ea	ea	PROPN
fsr-3223	341	12	d	d	PROPN
fsr-3223	341	13	of	of	ADP
fsr-3223	341	14	de	de	X
fsr-3223	341	15	cl	cl	NOUN
fsr-3223	341	16	in	in	ADV
fsr-3223	341	17	in	in	ADP
fsr-3223	341	18	g	g	PROPN
fsr-3223	341	19	ri	ri	PROPN
fsr-3223	341	20	sk	sk	VERB
fsr-3223	341	21	to	to	ADP
fsr-3223	341	22	le	le	PROPN
fsr-3223	341	23	ra	ra	PROPN
fsr-3223	341	24	nc	nc	PROPN
fsr-3223	341	25	e.	e.	PROPN
fsr-3223	341	26	b	b	PROPN
fsr-3223	341	27	as	as	ADP
fsr-3223	341	28	u	u	PROPN
fsr-3223	341	29	et	et	NOUN
fsr-3223	341	30	al	al	PROPN
fsr-3223	341	31	.	.	PUNCT
fsr-3223	342	1	20	20	NUM
fsr-3223	342	2	11	11	NUM
fsr-3223	342	3	j	j	PROPN
fsr-3223	342	4	of	of	ADP
fsr-3223	342	5	po	po	PROPN
fsr-3223	342	6	rt	rt	INTJ
fsr-3223	342	7	fo	fo	INTJ
fsr-3223	342	8	lio	lio	PROPN
fsr-3223	342	9	m	m	VERB
fsr-3223	342	10	an	an	DET
fsr-3223	342	11	ag	ag	PROPN
fsr-3223	342	12	em	em	PRON
fsr-3223	342	13	en	en	PROPN
fsr-3223	342	14	t	t	PROPN
fsr-3223	342	15	d	d	X
fsr-3223	342	16	yn	yn	PROPN
fsr-3223	342	17	am	be	AUX
fsr-3223	342	18	ic	ic	PROPN
fsr-3223	342	19	al	al	PROPN
fsr-3223	342	20	lo	lo	PROPN
fsr-3223	342	21	ca	can	AUX
fsr-3223	342	22	tio	tio	VERB
fsr-3223	342	23	n	n	ADV
fsr-3223	342	24	gu	gu	NOUN
fsr-3223	343	1	i	i	PROPN
fsr-3223	343	2	d	d	PROPN
fsr-3223	343	3	ed	ed	PROPN
fsr-3223	343	4	by	by	ADP
fsr-3223	343	5	ac	ac	PROPN
fsr-3223	343	6	cu	cu	PROPN
fsr-3223	343	7	m	m	PROPN
fsr-3223	343	8	ul	ul	PROPN
fsr-3223	343	9	at	at	ADP
fsr-3223	343	10	io	io	PROPN
fsr-3223	343	11	n	n	ADV
fsr-3223	343	12	ra	ra	X
fsr-3223	343	13	te	te	PROPN
fsr-3223	343	14	in	in	ADP
fsr-3223	343	15	st	st	PROPN
fsr-3223	343	16	ea	ea	PROPN
fsr-3223	343	17	d	d	PROPN
fsr-3223	343	18	of	of	ADP
fsr-3223	343	19	tim	tim	PROPN
fsr-3223	343	20	e.	e.	PROPN
fsr-3223	343	21	a	a	PROPN
fsr-3223	343	22	rn	rn	PROPN
fsr-3223	343	23	ot	ot	PROPN
fsr-3223	343	24	t	t	PROPN
fsr-3223	343	25	et	et	PROPN
fsr-3223	343	26	al	al	PROPN
fsr-3223	343	27	.	.	PUNCT
fsr-3223	344	1	20	20	NUM
fsr-3223	344	2	13	13	NUM
fsr-3223	344	3	jo	jo	INTJ
fsr-3223	344	4	ur	ur	INTJ
fsr-3223	344	5	na	na	ADP
fsr-3223	344	6	l	l	NOUN
fsr-3223	344	7	of	of	ADP
fsr-3223	344	8	r	r	NOUN
fsr-3223	344	9	et	et	NOUN
fsr-3223	344	10	ir	ir	VERB
fsr-3223	344	11	em	em	PRON
fsr-3223	344	12	en	en	INTJ
fsr-3223	344	13	t	t	PROPN
fsr-3223	344	14	t	t	PROPN
fsr-3223	344	15	ra	ra	PROPN
fsr-3223	344	16	di	di	NOUN
fsr-3223	344	17	tio	tio	NOUN
fsr-3223	344	18	na	na	PROPN
fsr-3223	344	19	l	l	NOUN
fsr-3223	344	20	gl	gl	NOUN
fsr-3223	345	1	i	i	PROPN
fsr-3223	345	2	d	d	PROPN
fsr-3223	345	3	e	e	PROPN
fsr-3223	345	4	pa	pa	PROPN
fsr-3223	345	5	th	th	X
fsr-3223	345	6	s	s	PROPN
fsr-3223	345	7	fa	fa	INTJ
fsr-3223	345	8	il	il	PROPN
fsr-3223	345	9	to	to	ADP
fsr-3223	345	10	lim	lim	PROPN
fsr-3223	345	11	it	it	PRON
fsr-3223	345	12	lif	lif	PROPN
fsr-3223	345	13	es	es	X
fsr-3223	345	14	ty	ty	INTJ
fsr-3223	345	15	le	le	X
fsr-3223	346	1	an	an	DET
fsr-3223	346	2	d	d	X
fsr-3223	346	3	lo	lo	PROPN
fsr-3223	346	4	ng	ng	PROPN
fsr-3223	346	5	ev	ev	X
fsr-3223	346	6	ity	ity	PROPN
fsr-3223	346	7	ri	ri	PROPN
fsr-3223	346	8	sk	sk	INTJ
fsr-3223	346	9	.	.	PUNCT
fsr-3223	347	1	i	i	PRON
fsr-3223	347	2	d	d	PROPN
fsr-3223	347	3	zo	zo	PROPN
fsr-3223	347	4	re	re	X
fsr-3223	347	5	k	k	PROPN
fsr-3223	347	6	et	et	PROPN
fsr-3223	347	7	al	al	PROPN
fsr-3223	347	8	.	.	PUNCT
fsr-3223	348	1	20	20	NUM
fsr-3223	348	2	13	13	NUM
fsr-3223	348	3	jo	jo	INTJ
fsr-3223	348	4	ur	ur	INTJ
fsr-3223	348	5	na	na	ADP
fsr-3223	348	6	l	l	NOUN
fsr-3223	348	7	of	of	ADP
fsr-3223	348	8	in	in	ADP
fsr-3223	348	9	ve	ve	PROPN
fsr-3223	348	10	st	st	PROPN
fsr-3223	348	11	in	in	ADP
fsr-3223	348	12	g	g	PROPN
fsr-3223	348	13	g	g	PROPN
fsr-3223	348	14	lid	lid	NOUN
fsr-3223	348	15	ep	ep	PROPN
fsr-3223	348	16	at	at	ADP
fsr-3223	348	17	h	h	PROPN
fsr-3223	348	18	st	st	PROPN
fsr-3223	348	19	ab	ab	PROPN
fsr-3223	348	20	ili	ili	PROPN
fsr-3223	349	1	ty	ty	INTJ
fsr-3223	349	2	sc	sc	PROPN
fsr-3223	349	3	or	or	CCONJ
fsr-3223	349	4	e	e	NOUN
fsr-3223	349	5	(	(	PUNCT
fsr-3223	349	6	g	g	PROPN
fsr-3223	349	7	ss	ss	PROPN
fsr-3223	349	8	)	)	PUNCT
fsr-3223	349	9	to	to	ADP
fsr-3223	349	10	ex	ex	PRON
fsr-3223	349	11	am	be	AUX
fsr-3223	349	12	in	in	ADP
fsr-3223	349	13	e	e	PROPN
fsr-3223	349	14	gl	gl	NOUN
fsr-3223	349	15	i	i	PROPN
fsr-3223	349	16	d	d	PROPN
fsr-3223	349	17	e	e	PROPN
fsr-3223	349	18	pa	pa	PROPN
fsr-3223	349	19	th	th	PROPN
fsr-3223	349	20	dr	dr	PROPN
fsr-3223	349	21	if	if	SCONJ
fsr-3223	349	22	t.	t.	PROPN
fsr-3223	349	23	pf	pf	PROPN
fsr-3223	349	24	au	au	PROPN
fsr-3223	349	25	&	&	CCONJ
fsr-3223	349	26	k	k	PROPN
fsr-3223	349	27	itc	itc	PROPN
fsr-3223	349	28	es	es	ADP
fsr-3223	349	29	20	20	NUM
fsr-3223	349	30	14	14	NUM
fsr-3223	349	31	j	j	PROPN
fsr-3223	349	32	of	of	ADP
fsr-3223	349	33	fi	fi	NOUN
fsr-3223	349	34	na	na	PROPN
fsr-3223	349	35	nc	nc	PROPN
fsr-3223	349	36	ia	ia	PROPN
fsr-3223	349	37	l	l	PROPN
fsr-3223	349	38	pl	pl	PROPN
fsr-3223	349	39	an	an	DET
fsr-3223	349	40	ni	ni	PROPN
fsr-3223	349	41	ng	ng	PROPN
fsr-3223	349	42	r	r	PROPN
fsr-3223	349	43	ec	ec	PROPN
fsr-3223	350	1	om	om	PROPN
fsr-3223	350	2	m	m	PROPN
fsr-3223	350	3	en	en	PROPN
fsr-3223	350	4	d	d	PROPN
fsr-3223	350	5	in	in	ADP
fsr-3223	350	6	cr	cr	X
fsr-3223	350	7	ea	ea	PROPN
fsr-3223	350	8	si	si	PROPN
fsr-3223	350	9	ng	ng	PROPN
fsr-3223	350	10	eq	eq	PROPN
fsr-3223	350	11	ui	ui	PROPN
fsr-3223	350	12	tie	tie	NOUN
fsr-3223	350	13	s	s	PART
fsr-3223	350	14	du	du	PROPN
fsr-3223	350	15	ri	ri	PROPN
fsr-3223	350	16	ng	ng	PROPN
fsr-3223	350	17	re	re	X
fsr-3223	350	18	tir	tir	VERB
fsr-3223	350	19	em	em	PRON
fsr-3223	350	20	en	en	PROPN
fsr-3223	350	21	t	t	PROPN
fsr-3223	350	22	ye	ye	PROPN
fsr-3223	350	23	ar	ar	PROPN
fsr-3223	350	24	s.	s.	PROPN
fsr-3223	350	25	b	b	PROPN
fsr-3223	350	26	la	la	PROPN
fsr-3223	350	27	nc	nc	PROPN
fsr-3223	350	28	he	he	PRON
fsr-3223	350	29	tt	tt	PROPN
fsr-3223	350	30	20	20	NUM
fsr-3223	350	31	15	15	NUM
fsr-3223	350	32	j	j	PROPN
fsr-3223	350	33	of	of	ADP
fsr-3223	350	34	fi	fi	NOUN
fsr-3223	350	35	na	na	PROPN
fsr-3223	350	36	nc	nc	PROPN
fsr-3223	350	37	ia	ia	PROPN
fsr-3223	350	38	l	l	PROPN
fsr-3223	350	39	pl	pl	PROPN
fsr-3223	350	40	an	an	DET
fsr-3223	350	41	ni	ni	PROPN
fsr-3223	350	42	ng	ng	PROPN
fsr-3223	350	43	si	si	PROPN
fsr-3223	350	44	gn	gn	PROPN
fsr-3223	350	45	ifi	ifi	PROPN
fsr-3223	350	46	ca	ca	PROPN
fsr-3223	350	47	nc	nc	PROPN
fsr-3223	350	48	e	e	PROPN
fsr-3223	350	49	of	of	ADP
fsr-3223	350	50	in	in	ADP
fsr-3223	350	51	iti	iti	PROPN
fsr-3223	350	52	al	al	PROPN
fsr-3223	350	53	m	m	PROPN
fsr-3223	350	54	ar	ar	PROPN
fsr-3223	350	55	ke	ke	PROPN
fsr-3223	350	56	t	t	PROPN
fsr-3223	350	57	co	co	PROPN
fsr-3223	350	58	nd	nd	PROPN
fsr-3223	350	59	iti	iti	PROPN
fsr-3223	350	60	on	on	ADP
fsr-3223	350	61	s	s	PRON
fsr-3223	350	62	at	at	ADP
fsr-3223	350	63	re	re	X
fsr-3223	350	64	tir	tir	VERB
fsr-3223	350	65	em	em	PRON
fsr-3223	350	66	en	en	PROPN
fsr-3223	350	67	t.	t.	PROPN
fsr-3223	350	68	k	k	PROPN
fsr-3223	350	69	itc	itc	PROPN
fsr-3223	350	70	es	es	PROPN
fsr-3223	350	71	&	&	CCONJ
fsr-3223	350	72	pf	pf	PROPN
fsr-3223	350	73	au	au	PROPN
fsr-3223	350	74	20	20	NUM
fsr-3223	350	75	15	15	NUM
fsr-3223	350	76	j	j	NOUN
fsr-3223	350	77	of	of	ADP
fsr-3223	350	78	fi	fi	NOUN
fsr-3223	350	79	na	na	PROPN
fsr-3223	350	80	nc	nc	PROPN
fsr-3223	350	81	ia	ia	PROPN
fsr-3223	350	82	l	l	PROPN
fsr-3223	350	83	pl	pl	PROPN
fsr-3223	350	84	an	an	DET
fsr-3223	350	85	ni	ni	PROPN
fsr-3223	350	86	ng	ng	PROPN
fsr-3223	350	87	c	c	PROPN
fsr-3223	350	88	on	on	ADP
fsr-3223	350	89	di	di	NOUN
fsr-3223	350	90	tio	tio	NOUN
fsr-3223	350	91	na	na	PROPN
fsr-3223	350	92	l	l	NOUN
fsr-3223	350	93	gl	gl	NOUN
fsr-3223	351	1	i	i	PROPN
fsr-3223	351	2	d	d	PROPN
fsr-3223	351	3	e	e	X
fsr-3223	351	4	pa	pa	PROPN
fsr-3223	351	5	th	th	X
fsr-3223	351	6	s	s	PROPN
fsr-3223	351	7	ba	ba	PROPN
fsr-3223	351	8	se	se	PROPN
fsr-3223	352	1	d	d	PROPN
fsr-3223	352	2	on	on	ADP
fsr-3223	352	3	eq	eq	ADP
fsr-3223	352	4	ui	ui	PROPN
fsr-3223	353	1	ty	ty	INTJ
fsr-3223	353	2	m	m	PROPN
fsr-3223	353	3	ar	ar	PROPN
fsr-3223	353	4	ke	ke	PROPN
fsr-3223	353	5	t	t	PROPN
fsr-3223	353	6	va	va	PROPN
fsr-3223	353	7	lu	lu	PROPN
fsr-3223	353	8	at	at	ADP
fsr-3223	353	9	io	io	PROPN
fsr-3223	353	10	ns	ns	X
fsr-3223	353	11	.	.	PUNCT
fsr-3223	354	1	247s	247	NOUN
fsr-3223	354	2	.	.	PUNCT
fsr-3223	355	1	singh	singh	PROPN
fsr-3223	355	2	/	/	SYM
fsr-3223	355	3	financial	financial	ADJ
fsr-3223	355	4	services	service	NOUN
fsr-3223	355	5	review	review	VERB
fsr-3223	355	6	25	25	NUM
fsr-3223	355	7	(	(	PUNCT
fsr-3223	355	8	2016	2016	NUM
fsr-3223	355	9	)	)	PUNCT
fsr-3223	355	10	235–262	235–262	NUM
fsr-3223	355	11	t	t	PROPN
fsr-3223	355	12	ab	ab	X
fsr-3223	355	13	le	le	X
fsr-3223	355	14	2	2	PROPN
fsr-3223	355	15	(	(	PUNCT
fsr-3223	355	16	c	c	NOUN
fsr-3223	355	17	on	on	ADP
fsr-3223	355	18	tin	tin	NOUN
fsr-3223	355	19	ue	ue	PROPN
fsr-3223	355	20	d	d	PROPN
fsr-3223	355	21	)	)	PUNCT
fsr-3223	355	22	a	a	DET
fsr-3223	355	23	ut	ut	PROPN
fsr-3223	355	24	ho	ho	PROPN
fsr-3223	355	25	r	r	PROPN
fsr-3223	355	26	(	(	PUNCT
fsr-3223	355	27	s	s	NOUN
fsr-3223	355	28	)	)	PUNCT
fsr-3223	355	29	y	y	PROPN
fsr-3223	355	30	ea	ea	PROPN
fsr-3223	355	31	r	r	NOUN
fsr-3223	355	32	t	t	NOUN
fsr-3223	355	33	op	op	NOUN
fsr-3223	355	34	ic	ic	PROPN
fsr-3223	356	1	fo	fo	ADP
fsr-3223	356	2	cu	cu	PROPN
fsr-3223	356	3	s	s	PROPN
fsr-3223	356	4	pu	pu	PROPN
fsr-3223	356	5	bl	bl	PROPN
fsr-3223	356	6	ic	ic	PROPN
fsr-3223	356	7	at	at	ADP
fsr-3223	356	8	io	io	PROPN
fsr-3223	356	9	n	n	CCONJ
fsr-3223	356	10	k	k	PROPN
fsr-3223	356	11	ey	ey	PRON
fsr-3223	356	12	fin	fin	NOUN
fsr-3223	356	13	di	di	X
fsr-3223	356	14	ng	ng	PROPN
fsr-3223	356	15	/c	/c	PUNCT
fsr-3223	356	16	on	on	ADP
fsr-3223	356	17	tr	tr	VERB
fsr-3223	356	18	ib	ib	PROPN
fsr-3223	356	19	ut	ut	PROPN
fsr-3223	356	20	io	io	PROPN
fsr-3223	356	21	n	n	PROPN
fsr-3223	356	22	n	n	PRON
fsr-3223	356	23	ag	ag	PROPN
fsr-3223	356	24	en	en	PROPN
fsr-3223	356	25	ga	ga	PROPN
fsr-3223	356	26	st	st	PROPN
fsr-3223	356	27	,	,	PUNCT
fsr-3223	356	28	b	b	PROPN
fsr-3223	356	29	uc	uc	PROPN
fsr-3223	356	30	ci	ci	PROPN
fsr-3223	356	31	,	,	PUNCT
fsr-3223	356	32	&	&	CCONJ
fsr-3223	356	33	c	c	PROPN
fsr-3223	356	34	oa	oa	INTJ
fsr-3223	356	35	ke	ke	NOUN
fsr-3223	356	36	r	r	PROPN
fsr-3223	356	37	20	20	NUM
fsr-3223	356	38	06	06	NUM
fsr-3223	357	1	t	t	NOUN
fsr-3223	358	1	d	d	X
fsr-3223	358	2	f	f	X
fsr-3223	358	3	pe	pe	INTJ
fsr-3223	358	4	rf	rf	NOUN
fsr-3223	358	5	or	or	CCONJ
fsr-3223	358	6	m	m	VERB
fsr-3223	358	7	an	an	DET
fsr-3223	358	8	ce	ce	PROPN
fsr-3223	358	9	ev	ev	PROPN
fsr-3223	358	10	al	al	PROPN
fsr-3223	358	11	ua	ua	PROPN
fsr-3223	358	12	tio	tio	PROPN
fsr-3223	358	13	n	n	INTJ
fsr-3223	358	14	po	po	X
fsr-3223	359	1	pp	pp	ADV
fsr-3223	359	2	in	in	ADP
fsr-3223	359	3	g	g	PROPN
fsr-3223	359	4	th	th	X
fsr-3223	359	5	e	e	NOUN
fsr-3223	359	6	h	h	NOUN
fsr-3223	360	1	oo	oo	INTJ
fsr-3223	361	1	d	d	X
fsr-3223	361	2	t	t	X
fsr-3223	361	3	d	d	X
fsr-3223	361	4	fs	fs	X
fsr-3223	361	5	la	la	INTJ
fsr-3223	361	6	ck	ck	PROPN
fsr-3223	362	1	i	i	PRON
fsr-3223	362	2	m	m	VERB
fsr-3223	362	3	ag	ag	PROPN
fsr-3223	362	4	in	in	ADP
fsr-3223	362	5	at	at	ADP
fsr-3223	362	6	io	io	PROPN
fsr-3223	362	7	n	n	PRON
fsr-3223	362	8	an	an	PRON
fsr-3223	362	9	d	d	PROPN
fsr-3223	362	10	ca	can	AUX
fsr-3223	362	11	nn	nn	INTJ
fsr-3223	362	12	ot	ot	INTJ
fsr-3223	362	13	ou	ou	X
fsr-3223	362	14	tp	tp	PART
fsr-3223	363	1	er	er	INTJ
fsr-3223	363	2	fo	fo	INTJ
fsr-3223	363	3	rm	rm	PROPN
fsr-3223	363	4	m	m	PROPN
fsr-3223	363	5	ar	ar	PROPN
fsr-3223	363	6	ke	ke	PROPN
fsr-3223	363	7	t.	t.	PROPN
fsr-3223	363	8	su	su	PROPN
fsr-3223	363	9	rz	rz	PROPN
fsr-3223	364	1	&	&	CCONJ
fsr-3223	364	2	is	be	AUX
fsr-3223	364	3	ra	ra	PROPN
fsr-3223	364	4	ls	ls	ADJ
fsr-3223	364	5	en	en	ADP
fsr-3223	364	6	20	20	NUM
fsr-3223	364	7	07	07	NUM
fsr-3223	364	8	j	j	PROPN
fsr-3223	364	9	of	of	ADP
fsr-3223	364	10	pe	pe	PROPN
fsr-3223	365	1	rf	rf	ADJ
fsr-3223	365	2	.	.	PUNCT
fsr-3223	366	1	m	m	PROPN
fsr-3223	367	1	ea	ea	PROPN
fsr-3223	367	2	su	su	PROPN
fsr-3223	367	3	re	re	VERB
fsr-3223	367	4	m	m	PROPN
fsr-3223	367	5	en	en	ADP
fsr-3223	367	6	t	t	PROPN
fsr-3223	367	7	t	t	PROPN
fsr-3223	367	8	d	d	X
fsr-3223	367	9	fs	fs	INTJ
fsr-3223	367	10	fa	fa	INTJ
fsr-3223	367	11	il	il	PROPN
fsr-3223	367	12	to	to	PART
fsr-3223	367	13	ou	ou	VERB
fsr-3223	367	14	tp	tp	X
fsr-3223	368	1	er	er	INTJ
fsr-3223	368	2	fo	fo	INTJ
fsr-3223	368	3	rm	rm	PROPN
fsr-3223	368	4	pu	pu	PROPN
fsr-3223	368	5	re	re	PROPN
fsr-3223	368	6	t	t	PROPN
fsr-3223	368	7	ar	ar	PROPN
fsr-3223	368	8	ge	ge	PROPN
fsr-3223	368	9	tda	tda	PROPN
fsr-3223	368	10	te	te	PROPN
fsr-3223	368	11	in	in	ADP
fsr-3223	368	12	de	de	PROPN
fsr-3223	368	13	xe	xe	PROPN
fsr-3223	368	14	s.	s.	PROPN
fsr-3223	368	15	sp	sp	ADP
fsr-3223	368	16	itz	itz	PROPN
fsr-3223	368	17	er	er	INTJ
fsr-3223	368	18	&	&	CCONJ
fsr-3223	368	19	si	si	PROPN
fsr-3223	368	20	ng	ng	PROPN
fsr-3223	368	21	h	h	PROPN
fsr-3223	368	22	20	20	NUM
fsr-3223	368	23	08	08	NUM
fsr-3223	368	24	fi	fi	NOUN
fsr-3223	368	25	na	na	PROPN
fsr-3223	368	26	nc	nc	PROPN
fsr-3223	368	27	ia	ia	PROPN
fsr-3223	368	28	l	l	PROPN
fsr-3223	368	29	se	se	PROPN
fsr-3223	368	30	rv	rv	PROPN
fsr-3223	368	31	ic	ic	PROPN
fsr-3223	368	32	es	es	ADP
fsr-3223	368	33	r	r	NOUN
fsr-3223	368	34	ev	ev	X
fsr-3223	368	35	ie	ie	PROPN
fsr-3223	368	36	w	w	PROPN
fsr-3223	368	37	t	t	PROPN
fsr-3223	368	38	ra	ra	PROPN
fsr-3223	368	39	di	di	NOUN
fsr-3223	368	40	tio	tio	NOUN
fsr-3223	368	41	na	na	PROPN
fsr-3223	368	42	l	l	NOUN
fsr-3223	368	43	gl	gl	NOUN
fsr-3223	369	1	i	i	PROPN
fsr-3223	369	2	d	d	PROPN
fsr-3223	369	3	e	e	PROPN
fsr-3223	369	4	pa	pa	PROPN
fsr-3223	369	5	th	th	X
fsr-3223	369	6	s	s	VERB
fsr-3223	369	7	la	la	ADP
fsr-3223	369	8	g	g	NOUN
fsr-3223	369	9	co	co	ADJ
fsr-3223	369	10	ns	ns	PROPN
fsr-3223	369	11	ta	ta	PROPN
fsr-3223	369	12	nt	not	PART
fsr-3223	369	13	m	m	PROPN
fsr-3223	369	14	ix	ix	INTJ
fsr-3223	369	15	po	po	INTJ
fsr-3223	370	1	rt	rt	INTJ
fsr-3223	370	2	fo	fo	INTJ
fsr-3223	370	3	lio	lio	PROPN
fsr-3223	370	4	.	.	PUNCT
fsr-3223	371	1	b	b	X
fsr-3223	371	2	la	la	PROPN
fsr-3223	371	3	nc	nc	PROPN
fsr-3223	371	4	he	he	PRON
fsr-3223	371	5	tt	tt	PROPN
fsr-3223	371	6	et	et	PROPN
fsr-3223	371	7	al	al	PROPN
fsr-3223	371	8	.	.	PUNCT
fsr-3223	372	1	20	20	NUM
fsr-3223	372	2	10	10	NUM
fsr-3223	372	3	j	j	PROPN
fsr-3223	372	4	of	of	ADP
fsr-3223	372	5	pe	pe	PROPN
fsr-3223	372	6	ns	ns	PROPN
fsr-3223	372	7	io	io	PROPN
fsr-3223	372	8	n	n	PROPN
fsr-3223	372	9	b	b	PROPN
fsr-3223	372	10	en	en	X
fsr-3223	372	11	efi	efi	NOUN
fsr-3223	372	12	ts	ts	X
fsr-3223	372	13	in	in	ADP
fsr-3223	372	14	co	co	NOUN
fsr-3223	372	15	rp	rp	NOUN
fsr-3223	372	16	or	or	CCONJ
fsr-3223	372	17	at	at	ADP
fsr-3223	372	18	in	in	ADP
fsr-3223	372	19	g	g	PROPN
fsr-3223	372	20	ri	ri	PROPN
fsr-3223	372	21	sk	sk	INTJ
fsr-3223	372	22	lo	lo	PROPN
fsr-3223	372	23	w	w	PROPN
fsr-3223	373	1	er	er	INTJ
fsr-3223	373	2	s	s	X
fsr-3223	373	3	di	di	NOUN
fsr-3223	373	4	sp	sp	ADP
fsr-3223	373	5	er	er	INTJ
fsr-3223	373	6	si	si	X
fsr-3223	373	7	on	on	ADP
fsr-3223	373	8	an	an	DET
fsr-3223	373	9	d	d	X
fsr-3223	373	10	re	re	X
fsr-3223	373	11	tir	tir	VERB
fsr-3223	373	12	em	em	PRON
fsr-3223	373	13	en	en	PROPN
fsr-3223	373	14	t	t	X
fsr-3223	373	15	fa	fa	PROPN
fsr-3223	373	16	ilu	ilu	PROPN
fsr-3223	373	17	re	re	PROPN
fsr-3223	373	18	.	.	PUNCT
fsr-3223	374	1	d	d	PROPN
fsr-3223	374	2	ol	ol	PROPN
fsr-3223	374	3	vi	vi	PROPN
fsr-3223	374	4	n	n	INTJ
fsr-3223	374	5	et	et	NOUN
fsr-3223	374	6	al	al	PROPN
fsr-3223	374	7	.	.	PUNCT
fsr-3223	375	1	20	20	NUM
fsr-3223	375	2	10	10	NUM
fsr-3223	375	3	j	j	PROPN
fsr-3223	375	4	of	of	ADP
fsr-3223	375	5	fi	fi	NOUN
fsr-3223	375	6	na	na	PROPN
fsr-3223	375	7	nc	nc	PROPN
fsr-3223	375	8	ia	ia	PROPN
fsr-3223	375	9	l	l	PROPN
fsr-3223	375	10	pl	pl	PROPN
fsr-3223	375	11	an	an	DET
fsr-3223	375	12	ni	ni	PROPN
fsr-3223	375	13	ng	ng	PROPN
fsr-3223	375	14	g	g	PROPN
fsr-3223	375	15	lid	lid	NOUN
fsr-3223	375	16	e	e	X
fsr-3223	375	17	pa	pa	PROPN
fsr-3223	375	18	th	th	X
fsr-3223	375	19	s	s	X
fsr-3223	375	20	ou	ou	ADP
fsr-3223	375	21	tc	tc	NUM
fsr-3223	375	22	om	om	PROPN
fsr-3223	375	23	es	es	PROPN
fsr-3223	375	24	ar	ar	PROPN
fsr-3223	375	25	e	e	PROPN
fsr-3223	375	26	eq	eq	PROPN
fsr-3223	375	27	ui	ui	PROPN
fsr-3223	375	28	va	va	PROPN
fsr-3223	375	29	le	le	X
fsr-3223	375	30	nt	not	PART
fsr-3223	375	31	to	to	PART
fsr-3223	375	32	st	st	PROPN
fsr-3223	375	33	at	at	ADP
fsr-3223	375	34	ic	ic	PROPN
fsr-3223	375	35	as	as	SCONJ
fsr-3223	375	36	se	se	PROPN
fsr-3223	375	37	t	t	PROPN
fsr-3223	375	38	al	al	PROPN
fsr-3223	375	39	lo	lo	PROPN
fsr-3223	375	40	ca	can	AUX
fsr-3223	375	41	tio	tio	VERB
fsr-3223	375	42	ns	ns	INTJ
fsr-3223	375	43	.	.	PUNCT
fsr-3223	376	1	k	k	PROPN
fsr-3223	376	2	al	al	PROPN
fsr-3223	376	3	m	m	PROPN
fsr-3223	376	4	an	an	DET
fsr-3223	376	5	20	20	NUM
fsr-3223	376	6	11	11	NUM
fsr-3223	376	7	fi	fi	NOUN
fsr-3223	376	8	na	na	PROPN
fsr-3223	377	1	nc	nc	PROPN
fsr-3223	377	2	ia	ia	PROPN
fsr-3223	377	3	l	l	PROPN
fsr-3223	377	4	se	se	PROPN
fsr-3223	377	5	rv	rv	PROPN
fsr-3223	378	1	ic	ic	PROPN
fsr-3223	378	2	es	es	ADP
fsr-3223	378	3	r	r	NOUN
fsr-3223	378	4	ev	ev	X
fsr-3223	378	5	ie	ie	PROPN
fsr-3223	378	6	w	w	PROPN
fsr-3223	378	7	b	b	PROPN
fsr-3223	378	8	on	on	ADP
fsr-3223	378	9	d	d	X
fsr-3223	378	10	he	he	PRON
fsr-3223	378	11	av	av	PROPN
fsr-3223	378	12	y	y	PROPN
fsr-3223	378	13	ri	ri	INTJ
fsr-3223	379	1	sk	sk	INTJ
fsr-3223	379	2	pr	pr	VERB
fsr-3223	379	3	em	em	PRON
fsr-3223	379	4	iu	iu	ADP
fsr-3223	379	5	m	m	PROPN
fsr-3223	379	6	ad	ad	PROPN
fsr-3223	379	7	ju	ju	PROPN
fsr-3223	379	8	st	st	PROPN
fsr-3223	380	1	ed	ed	PROPN
fsr-3223	380	2	po	po	PROPN
fsr-3223	381	1	rt	rt	INTJ
fsr-3223	381	2	fo	fo	INTJ
fsr-3223	381	3	lio	lio	PROPN
fsr-3223	381	4	s	s	X
fsr-3223	381	5	re	re	VERB
fsr-3223	381	6	du	du	PROPN
fsr-3223	381	7	ce	ce	PROPN
fsr-3223	381	8	ru	ru	PROPN
fsr-3223	382	1	n	n	ADV
fsr-3223	382	2	ou	ou	NOUN
fsr-3223	382	3	ts	ts	X
fsr-3223	382	4	.	.	PUNCT
fsr-3223	383	1	l	l	NOUN
fsr-3223	383	2	ip	ip	NOUN
fsr-3223	383	3	to	to	ADP
fsr-3223	383	4	n	n	PROPN
fsr-3223	383	5	&	&	CCONJ
fsr-3223	383	6	k	k	PROPN
fsr-3223	383	7	is	be	AUX
fsr-3223	383	8	h	h	PROPN
fsr-3223	383	9	20	20	NUM
fsr-3223	383	10	11	11	NUM
fsr-3223	383	11	fi	fi	NOUN
fsr-3223	383	12	na	na	PROPN
fsr-3223	384	1	nc	nc	PROPN
fsr-3223	384	2	ia	ia	PROPN
fsr-3223	384	3	l	l	PROPN
fsr-3223	384	4	se	se	PROPN
fsr-3223	384	5	rv	rv	PROPN
fsr-3223	385	1	ic	ic	PROPN
fsr-3223	385	2	es	es	ADP
fsr-3223	385	3	r	r	NOUN
fsr-3223	385	4	ev	ev	X
fsr-3223	385	5	ie	ie	X
fsr-3223	385	6	w	w	PROPN
fsr-3223	385	7	l	l	NOUN
fsr-3223	386	1	if	if	SCONJ
fsr-3223	386	2	e	e	PROPN
fsr-3223	386	3	cy	cy	PROPN
fsr-3223	386	4	cl	cl	PROPN
fsr-3223	386	5	e	e	PROPN
fsr-3223	386	6	fu	fu	NOUN
fsr-3223	386	7	nd	nd	NOUN
fsr-3223	386	8	s	s	PART
fsr-3223	386	9	ad	ad	NOUN
fsr-3223	386	10	d	d	NOUN
fsr-3223	386	11	lit	light	VERB
fsr-3223	386	12	tle	tle	NOUN
fsr-3223	386	13	va	va	PROPN
fsr-3223	386	14	lu	lu	PROPN
fsr-3223	386	15	e	e	PROPN
fsr-3223	386	16	on	on	ADP
fsr-3223	386	17	ri	ri	PROPN
fsr-3223	386	18	sk	sk	PROPN
fsr-3223	386	19	ad	ad	PROPN
fsr-3223	386	20	ju	ju	PROPN
fsr-3223	386	21	st	st	PROPN
fsr-3223	387	1	ed	ed	PROPN
fsr-3223	387	2	ba	ba	PROPN
fsr-3223	387	3	si	si	PROPN
fsr-3223	387	4	s.	s.	PROPN
fsr-3223	387	5	b	b	PROPN
fsr-3223	387	6	ar	ar	PROPN
fsr-3223	387	7	e	e	PROPN
fsr-3223	387	8	&	&	CCONJ
fsr-3223	387	9	g	g	PROPN
fsr-3223	387	10	re	re	VERB
fsr-3223	387	11	ve	ve	PROPN
fsr-3223	387	12	s	s	PROPN
fsr-3223	387	13	20	20	NUM
fsr-3223	387	14	13	13	NUM
fsr-3223	387	15	v	v	NOUN
fsr-3223	387	16	ie	ie	X
fsr-3223	387	17	w	w	PROPN
fsr-3223	387	18	po	po	PROPN
fsr-3223	387	19	in	in	ADP
fsr-3223	387	20	t	t	PROPN
fsr-3223	387	21	r	r	VERB
fsr-3223	387	22	us	us	PROPN
fsr-3223	387	23	se	se	INTJ
fsr-3223	387	24	ll	ll	AUX
fsr-3223	387	25	r	r	NOUN
fsr-3223	387	26	es	es	NOUN
fsr-3223	387	27	.	.	PUNCT
fsr-3223	388	1	fo	fo	ADP
fsr-3223	388	2	cu	cu	PROPN
fsr-3223	388	3	s	s	PROPN
fsr-3223	388	4	on	on	ADP
fsr-3223	388	5	re	re	PROPN
fsr-3223	388	6	tu	tu	PROPN
fsr-3223	388	7	rn	rn	PROPN
fsr-3223	388	8	so	so	ADV
fsr-3223	388	9	ur	ur	PROPN
fsr-3223	388	10	ce	ce	PROPN
fsr-3223	388	11	s	s	PROPN
fsr-3223	388	12	an	an	DET
fsr-3223	388	13	d	d	PROPN
fsr-3223	388	14	de	de	X
fsr-3223	388	15	-e	-e	PROPN
fsr-3223	388	16	m	m	PROPN
fsr-3223	388	17	ph	ph	NOUN
fsr-3223	388	18	as	as	ADP
fsr-3223	388	19	iz	iz	ADP
fsr-3223	388	20	e	e	X
fsr-3223	388	21	re	re	X
fsr-3223	389	1	la	la	X
fsr-3223	389	2	tiv	tiv	PROPN
fsr-3223	389	3	e	e	PROPN
fsr-3223	389	4	pe	pe	PROPN
fsr-3223	389	5	rf	rf	NOUN
fsr-3223	389	6	or	or	CCONJ
fsr-3223	389	7	m	m	VERB
fsr-3223	389	8	an	an	DET
fsr-3223	389	9	ce	ce	PROPN
fsr-3223	389	10	.	.	PUNCT
fsr-3223	390	1	c	c	PROPN
fsr-3223	390	2	as	as	ADP
fsr-3223	390	3	si	si	PROPN
fsr-3223	390	4	dy	dy	X
fsr-3223	390	5	et	et	PROPN
fsr-3223	390	6	al	al	PROPN
fsr-3223	390	7	.	.	PUNCT
fsr-3223	391	1	20	20	NUM
fsr-3223	391	2	14	14	NUM
fsr-3223	391	3	j	j	PROPN
fsr-3223	391	4	of	of	ADP
fsr-3223	391	5	po	po	PROPN
fsr-3223	391	6	rt	rt	INTJ
fsr-3223	391	7	fo	fo	INTJ
fsr-3223	391	8	lio	lio	PROPN
fsr-3223	391	9	m	m	VERB
fsr-3223	391	10	an	an	DET
fsr-3223	391	11	ag	ag	PROPN
fsr-3223	391	12	em	em	PRON
fsr-3223	391	13	en	en	PROPN
fsr-3223	391	14	t	t	PROPN
fsr-3223	391	15	w	w	PROPN
fsr-3223	391	16	i	i	PROPN
fsr-3223	391	17	d	d	PROPN
fsr-3223	391	18	el	el	PROPN
fsr-3223	391	19	y	y	PROPN
fsr-3223	391	20	di	di	PROPN
fsr-3223	391	21	sc	sc	PROPN
fsr-3223	391	22	lo	lo	PROPN
fsr-3223	391	23	se	se	PROPN
fsr-3223	392	1	d	d	PROPN
fsr-3223	392	2	be	be	AUX
fsr-3223	392	3	nc	nc	PROPN
fsr-3223	392	4	hm	hm	INTJ
fsr-3223	392	5	ar	ar	PROPN
fsr-3223	392	6	k	k	PROPN
fsr-3223	392	7	en	en	PROPN
fsr-3223	392	8	ab	ab	PROPN
fsr-3223	392	9	le	le	PROPN
fsr-3223	392	10	s	s	PROPN
fsr-3223	392	11	in	in	ADP
fsr-3223	392	12	st	st	PROPN
fsr-3223	392	13	itu	itu	PROPN
fsr-3223	392	14	tio	tio	PROPN
fsr-3223	392	15	na	na	AUX
fsr-3223	392	16	l	l	NOUN
fsr-3223	392	17	be	be	AUX
fsr-3223	392	18	st	st	PROPN
fsr-3223	392	19	pr	pr	X
fsr-3223	392	20	ac	ac	PROPN
fsr-3223	392	21	tic	tic	PROPN
fsr-3223	392	22	es	es	NOUN
fsr-3223	392	23	.	.	PUNCT
fsr-3223	393	1	c	c	AUX
fsr-3223	393	2	ha	ha	INTJ
fsr-3223	393	3	ng	ng	PROPN
fsr-3223	393	4	et	et	PROPN
fsr-3223	393	5	al	al	PROPN
fsr-3223	393	6	.	.	PUNCT
fsr-3223	394	1	20	20	NUM
fsr-3223	394	2	14	14	NUM
fsr-3223	394	3	fi	fi	NOUN
fsr-3223	394	4	na	na	PROPN
fsr-3223	394	5	nc	nc	PROPN
fsr-3223	394	6	ia	ia	PROPN
fsr-3223	394	7	l	l	PROPN
fsr-3223	394	8	se	se	PROPN
fsr-3223	394	9	rv	rv	PROPN
fsr-3223	395	1	ic	ic	PROPN
fsr-3223	395	2	es	es	ADP
fsr-3223	395	3	r	r	NOUN
fsr-3223	395	4	ev	ev	X
fsr-3223	395	5	ie	ie	PROPN
fsr-3223	395	6	w	w	PROPN
fsr-3223	395	7	t	t	PROPN
fsr-3223	395	8	d	d	X
fsr-3223	395	9	fs	fs	INTJ
fsr-3223	395	10	pr	pr	INTJ
fsr-3223	395	11	ov	ov	INTJ
fsr-3223	395	12	i	i	PROPN
fsr-3223	395	13	d	d	PROPN
fsr-3223	395	14	e	e	AUX
fsr-3223	395	15	be	be	AUX
fsr-3223	395	16	tte	tte	PROPN
fsr-3223	395	17	r	r	PROPN
fsr-3223	395	18	w	w	PROPN
fsr-3223	395	19	el	el	PROPN
fsr-3223	395	20	fa	fa	PROPN
fsr-3223	395	21	re	re	PROPN
fsr-3223	395	22	w	w	VERB
fsr-3223	395	23	he	he	PRON
fsr-3223	395	24	n	n	PROPN
fsr-3223	395	25	co	co	VERB
fsr-3223	395	26	m	m	VERB
fsr-3223	395	27	pa	pa	PROPN
fsr-3223	395	28	re	re	PROPN
fsr-3223	395	29	d	d	PROPN
fsr-3223	395	30	to	to	ADP
fsr-3223	395	31	lif	lif	PROPN
fsr-3223	395	32	e	e	PROPN
fsr-3223	395	33	cy	cy	PROPN
fsr-3223	395	34	cl	cl	PROPN
fsr-3223	395	35	e	e	PROPN
fsr-3223	395	36	fu	fu	NOUN
fsr-3223	395	37	nd	nd	PROPN
fsr-3223	395	38	s.	s.	PROPN
fsr-3223	395	39	e	e	PROPN
fsr-3223	395	40	st	st	PROPN
fsr-3223	395	41	ra	ra	PROPN
fsr-3223	395	42	da	da	PROPN
fsr-3223	395	43	20	20	NUM
fsr-3223	395	44	14	14	NUM
fsr-3223	395	45	j	j	PROPN
fsr-3223	395	46	of	of	ADP
fsr-3223	395	47	po	po	PROPN
fsr-3223	396	1	rt	rt	INTJ
fsr-3223	396	2	fo	fo	INTJ
fsr-3223	396	3	lio	lio	PROPN
fsr-3223	396	4	m	m	VERB
fsr-3223	396	5	an	an	DET
fsr-3223	396	6	ag	ag	PROPN
fsr-3223	396	7	em	em	PRON
fsr-3223	396	8	en	en	PROPN
fsr-3223	396	9	t	t	PROPN
fsr-3223	396	10	c	c	PROPN
fsr-3223	396	11	on	on	ADP
fsr-3223	396	12	fir	fir	PROPN
fsr-3223	396	13	m	m	PROPN
fsr-3223	396	14	s	s	NOUN
fsr-3223	396	15	a	a	DET
fsr-3223	396	16	rn	rn	PROPN
fsr-3223	396	17	ot	ot	PROPN
fsr-3223	396	18	t	t	PROPN
fsr-3223	396	19	et	et	NOUN
fsr-3223	396	20	al	al	PROPN
fsr-3223	396	21	.	.	PUNCT
fsr-3223	396	22	,	,	PUNCT
fsr-3223	396	23	u	u	PROPN
fsr-3223	396	24	s	s	PART
fsr-3223	396	25	fin	fin	NOUN
fsr-3223	396	26	di	di	X
fsr-3223	396	27	ng	ng	PROPN
fsr-3223	396	28	s	s	PART
fsr-3223	396	29	fo	fo	ADP
fsr-3223	396	30	r	r	NOUN
fsr-3223	396	31	19	19	NUM
fsr-3223	396	32	ot	ot	NOUN
fsr-3223	396	33	he	he	PRON
fsr-3223	396	34	r	r	PROPN
fsr-3223	396	35	co	co	VERB
fsr-3223	396	36	un	un	PROPN
fsr-3223	396	37	tr	tr	PROPN
fsr-3223	396	38	ie	ie	PROPN
fsr-3223	396	39	s.	s.	PROPN
fsr-3223	396	40	t	t	PROPN
fsr-3223	396	41	an	an	DET
fsr-3223	396	42	g	g	NOUN
fsr-3223	396	43	&	&	CCONJ
fsr-3223	396	44	l	l	PROPN
fsr-3223	396	45	in	in	ADP
fsr-3223	396	46	20	20	NUM
fsr-3223	396	47	15	15	NUM
fsr-3223	396	48	j	j	NOUN
fsr-3223	396	49	of	of	ADP
fsr-3223	396	50	a	a	DET
fsr-3223	396	51	ss	ss	NOUN
fsr-3223	396	52	et	et	VERB
fsr-3223	396	53	m	m	VERB
fsr-3223	396	54	an	an	DET
fsr-3223	396	55	ag	ag	PROPN
fsr-3223	396	56	em	em	PRON
fsr-3223	396	57	en	en	PROPN
fsr-3223	396	58	t	t	PROPN
fsr-3223	396	59	in	in	ADP
fsr-3223	396	60	ap	ap	PROPN
fsr-3223	396	61	pr	pr	VERB
fsr-3223	396	62	op	op	NOUN
fsr-3223	396	63	ri	ri	PROPN
fsr-3223	396	64	at	at	ADP
fsr-3223	396	65	e	e	PROPN
fsr-3223	396	66	be	be	AUX
fsr-3223	396	67	nc	nc	PROPN
fsr-3223	396	68	hm	hm	INTJ
fsr-3223	396	69	ar	ar	PROPN
fsr-3223	396	70	k	k	PROPN
fsr-3223	396	71	ch	ch	PROPN
fsr-3223	396	72	oi	oi	PROPN
fsr-3223	396	73	ce	ce	PROPN
fsr-3223	396	74	re	re	PROPN
fsr-3223	396	75	su	su	PROPN
fsr-3223	396	76	lts	lts	PROPN
fsr-3223	396	77	in	in	ADP
fsr-3223	396	78	w	w	PROPN
fsr-3223	396	79	el	el	PROPN
fsr-3223	396	80	fa	fa	PROPN
fsr-3223	396	81	re	re	PROPN
fsr-3223	396	82	lo	lo	PROPN
fsr-3223	396	83	ss	ss	PROPN
fsr-3223	396	84	of	of	ADP
fsr-3223	396	85	67	67	NUM
fsr-3223	396	86	%	%	NOUN
fsr-3223	396	87	.	.	PUNCT
fsr-3223	397	1	w	w	PROPN
fsr-3223	397	2	ill	ill	PROPN
fsr-3223	397	3	ia	ia	PROPN
fsr-3223	397	4	m	m	PROPN
fsr-3223	397	5	s	s	PART
fsr-3223	397	6	19	19	NUM
fsr-3223	397	7	78	78	NUM
fsr-3223	397	8	in	in	ADP
fsr-3223	397	9	co	co	NOUN
fsr-3223	397	10	rp	rp	NOUN
fsr-3223	397	11	or	or	CCONJ
fsr-3223	397	12	at	at	ADP
fsr-3223	397	13	in	in	ADP
fsr-3223	397	14	g	g	PROPN
fsr-3223	397	15	hu	hu	PROPN
fsr-3223	397	16	m	m	PROPN
fsr-3223	397	17	an	an	DET
fsr-3223	397	18	ca	ca	NOUN
fsr-3223	397	19	pi	pi	NOUN
fsr-3223	397	20	ta	ta	ADP
fsr-3223	397	21	l	l	NOUN
fsr-3223	397	22	th	th	X
fsr-3223	397	23	eo	eo	INTJ
fsr-3223	397	24	ry	ry	NOUN
fsr-3223	397	25	in	in	ADP
fsr-3223	397	26	t	t	PROPN
fsr-3223	398	1	d	d	PROPN
fsr-3223	398	2	fs	fs	PROPN
fsr-3223	399	1	jo	jo	INTJ
fsr-3223	399	2	ur	ur	INTJ
fsr-3223	400	1	na	na	ADP
fsr-3223	400	2	l	l	NOUN
fsr-3223	400	3	of	of	ADP
fsr-3223	400	4	b	b	PROPN
fsr-3223	400	5	us	we	PRON
fsr-3223	400	6	in	in	ADP
fsr-3223	400	7	es	es	X
fsr-3223	400	8	s	s	PROPN
fsr-3223	400	9	in	in	ADP
fsr-3223	400	10	iti	iti	PROPN
fsr-3223	400	11	al	al	PROPN
fsr-3223	401	1	pa	pa	PROPN
fsr-3223	401	2	pe	pe	PROPN
fsr-3223	401	3	r	r	NOUN
fsr-3223	401	4	on	on	ADP
fsr-3223	401	5	in	in	ADP
fsr-3223	401	6	co	co	NOUN
fsr-3223	401	7	rp	rp	NOUN
fsr-3223	401	8	or	or	CCONJ
fsr-3223	401	9	at	at	ADP
fsr-3223	401	10	in	in	ADP
fsr-3223	401	11	g	g	PROPN
fsr-3223	401	12	hu	hu	PROPN
fsr-3223	401	13	m	m	PROPN
fsr-3223	401	14	an	an	DET
fsr-3223	401	15	ca	ca	NOUN
fsr-3223	401	16	pi	pi	NOUN
fsr-3223	401	17	ta	ta	ADP
fsr-3223	401	18	l	l	PROPN
fsr-3223	401	19	in	in	ADP
fsr-3223	401	20	po	po	PROPN
fsr-3223	402	1	rt	rt	INTJ
fsr-3223	402	2	fo	fo	INTJ
fsr-3223	402	3	lio	lio	PROPN
fsr-3223	402	4	ch	ch	PROPN
fsr-3223	402	5	oi	oi	PROPN
fsr-3223	402	6	ce	ce	PROPN
fsr-3223	402	7	.	.	PUNCT
fsr-3223	403	1	c	c	VERB
fsr-3223	404	1	oc	oc	PART
fsr-3223	404	2	co	co	VERB
fsr-3223	404	3	et	et	PROPN
fsr-3223	404	4	al	al	PROPN
fsr-3223	404	5	.	.	PUNCT
fsr-3223	405	1	20	20	NUM
fsr-3223	405	2	05	05	NUM
fsr-3223	405	3	r	r	NOUN
fsr-3223	405	4	ev	ev	X
fsr-3223	405	5	.	.	PUNCT
fsr-3223	406	1	of	of	ADP
fsr-3223	406	2	fi	fi	NOUN
fsr-3223	406	3	na	na	PROPN
fsr-3223	406	4	nc	nc	PROPN
fsr-3223	406	5	ia	ia	PROPN
fsr-3223	406	6	l	l	PROPN
fsr-3223	406	7	st	st	PROPN
fsr-3223	407	1	ud	ud	INTJ
fsr-3223	407	2	ie	ie	PROPN
fsr-3223	407	3	s	s	VERB
fsr-3223	407	4	ig	ig	PROPN
fsr-3223	408	1	no	no	INTJ
fsr-3223	408	2	ri	ri	PROPN
fsr-3223	408	3	ng	ng	PROPN
fsr-3223	408	4	hu	hu	PROPN
fsr-3223	408	5	m	m	PROPN
fsr-3223	408	6	an	an	DET
fsr-3223	408	7	ca	ca	NOUN
fsr-3223	408	8	pi	pi	NOUN
fsr-3223	408	9	ta	ta	ADP
fsr-3223	408	10	l	l	PROPN
fsr-3223	408	11	re	re	PROPN
fsr-3223	408	12	su	su	PROPN
fsr-3223	408	13	lts	lts	PROPN
fsr-3223	408	14	in	in	ADP
fsr-3223	408	15	a	a	DET
fsr-3223	408	16	2	2	NUM
fsr-3223	408	17	%	%	NOUN
fsr-3223	408	18	w	w	NOUN
fsr-3223	408	19	el	el	PROPN
fsr-3223	408	20	fa	fa	PROPN
fsr-3223	408	21	re	re	NOUN
fsr-3223	409	1	lo	lo	NOUN
fsr-3223	409	2	ss	ss	INTJ
fsr-3223	410	1	pe	pe	INTJ
fsr-3223	410	2	r	r	NOUN
fsr-3223	410	3	ye	ye	PROPN
fsr-3223	410	4	ar	ar	PROPN
fsr-3223	410	5	.	.	PUNCT
fsr-3223	411	1	sc	sc	PROPN
fsr-3223	412	1	hi	hi	INTJ
fsr-3223	412	2	lle	lle	PROPN
fsr-3223	412	3	r	r	NOUN
fsr-3223	412	4	20	20	NUM
fsr-3223	412	5	05	05	NUM
fsr-3223	412	6	t	t	NOUN
fsr-3223	413	1	he	he	PRON
fsr-3223	413	2	e	e	NOUN
fsr-3223	413	3	co	co	VERB
fsr-3223	413	4	no	no	INTJ
fsr-3223	413	5	m	m	VERB
fsr-3223	413	6	is	be	AUX
fsr-3223	413	7	t	t	PROPN
fsr-3223	413	8	’	'	PUNCT
fsr-3223	413	9	s	s	NOUN
fsr-3223	413	10	v	v	PROPN
fsr-3223	413	11	oi	oi	PROPN
fsr-3223	413	12	ce	ce	PROPN
fsr-3223	413	13	h	h	PROPN
fsr-3223	413	14	um	um	INTJ
fsr-3223	413	15	an	an	DET
fsr-3223	413	16	an	an	PROPN
fsr-3223	413	17	d	d	PROPN
fsr-3223	413	18	fin	fin	NOUN
fsr-3223	413	19	an	an	DET
fsr-3223	413	20	ci	ci	NOUN
fsr-3223	413	21	al	al	PROPN
fsr-3223	414	1	ca	can	AUX
fsr-3223	414	2	pi	pi	VERB
fsr-3223	414	3	ta	ta	ADP
fsr-3223	414	4	l	l	X
fsr-3223	414	5	re	re	VERB
fsr-3223	414	6	tu	tu	PROPN
fsr-3223	414	7	rn	rn	PROPN
fsr-3223	414	8	s	s	PROPN
fsr-3223	414	9	co	co	PROPN
fsr-3223	414	10	rr	rr	PROPN
fsr-3223	414	11	el	el	PROPN
fsr-3223	414	12	at	at	ADP
fsr-3223	414	13	io	io	PROPN
fsr-3223	414	14	n	n	PROPN
fsr-3223	414	15	ef	ef	X
fsr-3223	414	16	fe	fe	X
fsr-3223	414	17	ct	ct	INTJ
fsr-3223	414	18	.	.	PUNCT
fsr-3223	415	1	b	b	X
fsr-3223	415	2	od	od	ADV
fsr-3223	415	3	ie	ie	ADV
fsr-3223	415	4	et	et	PROPN
fsr-3223	415	5	al	al	PROPN
fsr-3223	415	6	.	.	PUNCT
fsr-3223	416	1	20	20	NUM
fsr-3223	416	2	07	07	NUM
fsr-3223	416	3	fi	fi	NOUN
fsr-3223	416	4	na	na	PROPN
fsr-3223	416	5	nc	nc	PROPN
fsr-3223	416	6	ia	ia	PROPN
fsr-3223	416	7	l	l	PROPN
fsr-3223	416	8	a	a	PRON
fsr-3223	416	9	na	na	X
fsr-3223	416	10	ly	ly	ADP
fsr-3223	416	11	st	st	PROPN
fsr-3223	416	12	s	s	X
fsr-3223	416	13	jo	jo	INTJ
fsr-3223	416	14	ur	ur	INTJ
fsr-3223	417	1	na	na	NOUN
fsr-3223	417	2	l	l	NOUN
fsr-3223	417	3	r	r	NOUN
fsr-3223	417	4	ec	ec	PROPN
fsr-3223	417	5	om	om	PROPN
fsr-3223	417	6	m	m	PROPN
fsr-3223	417	7	en	en	PROPN
fsr-3223	417	8	d	d	PROPN
fsr-3223	417	9	hu	hu	PROPN
fsr-3223	417	10	m	m	VERB
fsr-3223	417	11	pe	pe	PROPN
fsr-3223	418	1	d	d	X
fsr-3223	418	2	gl	gl	INTJ
fsr-3223	418	3	i	i	PROPN
fsr-3223	418	4	d	d	PROPN
fsr-3223	418	5	e	e	PROPN
fsr-3223	418	6	pa	pa	PROPN
fsr-3223	418	7	th	th	X
fsr-3223	418	8	s	s	VERB
fsr-3223	418	9	to	to	PART
fsr-3223	418	10	in	in	ADP
fsr-3223	418	11	co	co	NOUN
fsr-3223	418	12	rp	rp	NOUN
fsr-3223	418	13	or	or	CCONJ
fsr-3223	418	14	at	at	ADP
fsr-3223	418	15	e	e	PROPN
fsr-3223	418	16	hu	hu	PROPN
fsr-3223	418	17	m	m	PROPN
fsr-3223	418	18	an	an	DET
fsr-3223	418	19	ca	ca	NOUN
fsr-3223	418	20	pi	pi	NOUN
fsr-3223	418	21	ta	ta	PROPN
fsr-3223	418	22	l.	l.	PROPN
fsr-3223	418	23	g	g	PROPN
fsr-3223	418	24	om	om	PROPN
fsr-3223	418	25	es	es	X
fsr-3223	418	26	et	et	PROPN
fsr-3223	418	27	al	al	PROPN
fsr-3223	418	28	.	.	PUNCT
fsr-3223	419	1	20	20	NUM
fsr-3223	419	2	08	08	NUM
fsr-3223	420	1	a	a	DET
fsr-3223	420	2	m	m	NOUN
fsr-3223	420	3	er	er	INTJ
fsr-3223	420	4	ic	ic	PROPN
fsr-3223	420	5	an	an	DET
fsr-3223	420	6	e	e	X
fsr-3223	420	7	co	co	X
fsr-3223	420	8	n.	n.	PROPN
fsr-3223	420	9	r	r	PROPN
fsr-3223	420	10	ev	ev	X
fsr-3223	420	11	ie	ie	PROPN
fsr-3223	420	12	w	w	PROPN
fsr-3223	420	13	a	a	PROPN
fsr-3223	420	14	ss	ss	NOUN
fsr-3223	420	15	et	et	NOUN
fsr-3223	420	16	al	al	PROPN
fsr-3223	420	17	lo	lo	PROPN
fsr-3223	420	18	ca	can	AUX
fsr-3223	420	19	tio	tio	VERB
fsr-3223	420	20	n	n	PROPN
fsr-3223	420	21	in	in	ADP
fsr-3223	420	22	th	th	ADP
fsr-3223	420	23	e	e	NOUN
fsr-3223	420	24	pr	pr	NOUN
fsr-3223	420	25	es	es	PROPN
fsr-3223	420	26	en	en	PROPN
fsr-3223	420	27	ce	ce	PROPN
fsr-3223	420	28	of	of	ADP
fsr-3223	420	29	va	va	PROPN
fsr-3223	420	30	ri	ri	PROPN
fsr-3223	421	1	ab	ab	PROPN
fsr-3223	421	2	le	le	X
fsr-3223	421	3	la	la	PROPN
fsr-3223	421	4	bo	bo	PROPN
fsr-3223	421	5	r	r	PROPN
fsr-3223	421	6	su	su	PROPN
fsr-3223	421	7	pp	pp	ADV
fsr-3223	421	8	ly	ly	X
fsr-3223	421	9	.	.	PUNCT
fsr-3223	422	1	248	248	NUM
fsr-3223	422	2	s.	s.	PROPN
fsr-3223	422	3	singh	singh	PROPN
fsr-3223	422	4	/	/	SYM
fsr-3223	422	5	financial	financial	ADJ
fsr-3223	422	6	services	service	NOUN
fsr-3223	422	7	review	review	VERB
fsr-3223	422	8	25	25	NUM
fsr-3223	422	9	(	(	PUNCT
fsr-3223	422	10	2016	2016	NUM
fsr-3223	422	11	)	)	PUNCT
fsr-3223	422	12	235–262	235–262	NUM
fsr-3223	422	13	t	t	PROPN
fsr-3223	422	14	ab	ab	X
fsr-3223	422	15	le	le	X
fsr-3223	422	16	2	2	PROPN
fsr-3223	422	17	(	(	PUNCT
fsr-3223	422	18	c	c	NOUN
fsr-3223	422	19	on	on	ADP
fsr-3223	422	20	tin	tin	NOUN
fsr-3223	422	21	ue	ue	PROPN
fsr-3223	422	22	d	d	PROPN
fsr-3223	422	23	)	)	PUNCT
fsr-3223	422	24	a	a	DET
fsr-3223	422	25	ut	ut	PROPN
fsr-3223	422	26	ho	ho	PROPN
fsr-3223	422	27	r	r	PROPN
fsr-3223	422	28	(	(	PUNCT
fsr-3223	422	29	s	s	NOUN
fsr-3223	422	30	)	)	PUNCT
fsr-3223	422	31	y	y	PROPN
fsr-3223	422	32	ea	ea	PROPN
fsr-3223	422	33	r	r	NOUN
fsr-3223	422	34	t	t	NOUN
fsr-3223	422	35	op	op	NOUN
fsr-3223	422	36	ic	ic	PROPN
fsr-3223	423	1	fo	fo	ADP
fsr-3223	423	2	cu	cu	PROPN
fsr-3223	423	3	s	s	PROPN
fsr-3223	423	4	pu	pu	PROPN
fsr-3223	423	5	bl	bl	PROPN
fsr-3223	423	6	ic	ic	PROPN
fsr-3223	423	7	at	at	ADP
fsr-3223	423	8	io	io	PROPN
fsr-3223	423	9	n	n	CCONJ
fsr-3223	423	10	k	k	PROPN
fsr-3223	423	11	ey	ey	PRON
fsr-3223	423	12	fin	fin	NOUN
fsr-3223	423	13	di	di	X
fsr-3223	423	14	ng	ng	PROPN
fsr-3223	423	15	/c	/c	PUNCT
fsr-3223	423	16	on	on	ADP
fsr-3223	423	17	tr	tr	VERB
fsr-3223	423	18	ib	ib	PROPN
fsr-3223	423	19	ut	ut	PROPN
fsr-3223	423	20	io	io	PROPN
fsr-3223	423	21	n	n	PROPN
fsr-3223	423	22	v	v	INTJ
fsr-3223	423	23	ic	ic	INTJ
fsr-3223	423	24	ei	ei	X
fsr-3223	423	25	ra	ra	PROPN
fsr-3223	423	26	20	20	NUM
fsr-3223	423	27	09	09	NUM
fsr-3223	423	28	l	l	NOUN
fsr-3223	423	29	if	if	SCONJ
fsr-3223	423	30	e	e	PROPN
fsr-3223	423	31	c	c	X
fsr-3223	423	32	yc	yc	PROPN
fsr-3223	423	33	le	le	PROPN
fsr-3223	423	34	fu	fu	PROPN
fsr-3223	424	1	nd	nd	PRON
fsr-3223	424	2	s	s	X
fsr-3223	425	1	(	(	PUNCT
fsr-3223	425	2	c	c	X
fsr-3223	425	3	ha	ha	INTJ
fsr-3223	425	4	pt	pt	INTJ
fsr-3223	425	5	er	er	INTJ
fsr-3223	425	6	)	)	PUNCT
fsr-3223	425	7	h	h	NOUN
fsr-3223	425	8	um	um	INTJ
fsr-3223	425	9	an	an	DET
fsr-3223	425	10	ca	ca	NOUN
fsr-3223	425	11	pi	pi	NOUN
fsr-3223	425	12	ta	ta	PROPN
fsr-3223	425	13	l	l	NOUN
fsr-3223	425	14	is	be	AUX
fsr-3223	425	15	bo	bo	PROPN
fsr-3223	425	16	nd	nd	ADV
fsr-3223	425	17	lik	lik	PROPN
fsr-3223	425	18	e	e	PROPN
fsr-3223	425	19	so	so	ADV
fsr-3223	425	20	m	m	VERB
fsr-3223	425	21	or	or	CCONJ
fsr-3223	425	22	e	e	ADP
fsr-3223	425	23	bo	bo	PROPN
fsr-3223	426	1	nd	nd	PROPN
fsr-3223	426	2	s	s	PART
fsr-3223	426	3	cl	cl	NOUN
fsr-3223	426	4	os	os	NOUN
fsr-3223	426	5	er	er	INTJ
fsr-3223	426	6	to	to	PART
fsr-3223	426	7	re	re	PART
fsr-3223	426	8	tir	tir	VERB
fsr-3223	426	9	em	em	PRON
fsr-3223	426	10	en	en	PROPN
fsr-3223	426	11	t.	t.	PROPN
fsr-3223	426	12	b	b	PROPN
fsr-3223	427	1	os	os	NOUN
fsr-3223	427	2	ca	can	AUX
fsr-3223	427	3	ljo	ljo	VERB
fsr-3223	427	4	n	n	ADV
fsr-3223	427	5	20	20	NUM
fsr-3223	427	6	11	11	NUM
fsr-3223	427	7	fi	fi	NOUN
fsr-3223	427	8	na	na	PROPN
fsr-3223	427	9	nc	nc	PROPN
fsr-3223	427	10	ia	ia	PROPN
fsr-3223	427	11	l	l	PROPN
fsr-3223	427	12	se	se	PROPN
fsr-3223	427	13	rv	rv	PROPN
fsr-3223	428	1	ic	ic	PROPN
fsr-3223	428	2	es	es	ADP
fsr-3223	428	3	r	r	NOUN
fsr-3223	428	4	ev	ev	X
fsr-3223	428	5	ie	ie	X
fsr-3223	428	6	w	w	PROPN
fsr-3223	428	7	in	in	ADP
fsr-3223	428	8	tr	tr	PROPN
fsr-3223	428	9	od	od	PROPN
fsr-3223	428	10	uc	uc	INTJ
fsr-3223	428	11	es	es	X
fsr-3223	428	12	th	th	X
fsr-3223	428	13	e	e	X
fsr-3223	428	14	co	co	PROPN
fsr-3223	428	15	nc	nc	PROPN
fsr-3223	428	16	ep	ep	PROPN
fsr-3223	428	17	t	t	PROPN
fsr-3223	428	18	of	of	ADP
fsr-3223	428	19	cr	cr	PROPN
fsr-3223	428	20	iti	iti	PROPN
fsr-3223	428	21	ca	ca	PROPN
fsr-3223	428	22	l	l	PROPN
fsr-3223	428	23	w	w	PROPN
fsr-3223	428	24	ea	ea	PROPN
fsr-3223	428	25	lth	lth	NOUN
fsr-3223	428	26	th	th	X
fsr-3223	428	27	at	at	ADP
fsr-3223	428	28	af	af	PROPN
fsr-3223	428	29	fe	fe	X
fsr-3223	428	30	ct	ct	PROPN
fsr-3223	428	31	s	s	PROPN
fsr-3223	428	32	al	al	PROPN
fsr-3223	428	33	lo	lo	PROPN
fsr-3223	428	34	ca	can	AUX
fsr-3223	428	35	tio	tio	VERB
fsr-3223	428	36	n.	n.	PROPN
fsr-3223	428	37	b	b	PROPN
fsr-3223	428	38	la	la	PROPN
fsr-3223	428	39	nc	nc	PROPN
fsr-3223	428	40	he	he	PRON
fsr-3223	428	41	tt	tt	PROPN
fsr-3223	428	42	et	et	PROPN
fsr-3223	428	43	al	al	PROPN
fsr-3223	428	44	.	.	PUNCT
fsr-3223	429	1	20	20	NUM
fsr-3223	429	2	15	15	NUM
fsr-3223	429	3	fi	fi	NOUN
fsr-3223	429	4	na	na	PROPN
fsr-3223	429	5	nc	nc	PROPN
fsr-3223	429	6	ia	ia	PROPN
fsr-3223	429	7	l	l	PROPN
fsr-3223	429	8	a	a	PRON
fsr-3223	429	9	na	na	X
fsr-3223	429	10	ly	ly	ADP
fsr-3223	429	11	st	st	PROPN
fsr-3223	429	12	s	s	X
fsr-3223	429	13	jo	jo	INTJ
fsr-3223	429	14	ur	ur	INTJ
fsr-3223	429	15	na	na	PROPN
fsr-3223	429	16	l	l	NOUN
fsr-3223	429	17	q	q	X
fsr-3223	429	18	ua	ua	INTJ
fsr-3223	429	19	nt	not	PART
fsr-3223	429	20	if	if	SCONJ
fsr-3223	429	21	y	y	PROPN
fsr-3223	429	22	hu	hu	PROPN
fsr-3223	430	1	m	m	VERB
fsr-3223	430	2	an	an	DET
fsr-3223	430	3	ca	ca	NOUN
fsr-3223	430	4	pi	pi	NOUN
fsr-3223	430	5	ta	ta	ADP
fsr-3223	430	6	l	l	X
fsr-3223	430	7	re	re	VERB
fsr-3223	430	8	tu	tu	PROPN
fsr-3223	430	9	rn	rn	PROPN
fsr-3223	430	10	an	an	PROPN
fsr-3223	430	11	d	d	X
fsr-3223	430	12	ri	ri	NOUN
fsr-3223	430	13	sk	sk	NOUN
fsr-3223	430	14	in	in	ADP
fsr-3223	430	15	12	12	NUM
fsr-3223	430	16	in	in	ADP
fsr-3223	430	17	du	du	PROPN
fsr-3223	430	18	st	st	PROPN
fsr-3223	430	19	ri	ri	PROPN
fsr-3223	430	20	es	es	PROPN
fsr-3223	430	21	.	.	PUNCT
fsr-3223	431	1	i	i	PRON
fsr-3223	431	2	d	d	PROPN
fsr-3223	431	3	zo	zo	PROPN
fsr-3223	431	4	re	re	X
fsr-3223	431	5	k	k	PROPN
fsr-3223	431	6	20	20	NUM
fsr-3223	431	7	08	08	NUM
fsr-3223	432	1	i	i	PRON
fsr-3223	432	2	m	m	VERB
fsr-3223	432	3	m	m	VERB
fsr-3223	432	4	un	un	PROPN
fsr-3223	433	1	iz	iz	INTJ
fsr-3223	433	2	in	in	ADP
fsr-3223	433	3	g	g	PROPN
fsr-3223	433	4	re	re	X
fsr-3223	433	5	tir	tir	VERB
fsr-3223	433	6	em	em	PRON
fsr-3223	433	7	en	en	PROPN
fsr-3223	433	8	t	t	PROPN
fsr-3223	433	9	lia	lia	PROPN
fsr-3223	433	10	bi	bi	PROPN
fsr-3223	433	11	lit	light	VERB
fsr-3223	433	12	ie	ie	PROPN
fsr-3223	433	13	s	s	PART
fsr-3223	433	14	u	u	X
fsr-3223	433	15	np	np	INTJ
fsr-3223	433	16	ub	ub	INTJ
fsr-3223	433	17	lis	li	NOUN
fsr-3223	433	18	he	he	PRON
fsr-3223	434	1	d	d	NOUN
fsr-3223	434	2	m	m	VERB
fsr-3223	434	3	an	an	PRON
fsr-3223	434	4	us	us	PROPN
fsr-3223	434	5	cr	cr	PROPN
fsr-3223	434	6	ip	ip	PROPN
fsr-3223	434	7	t	t	PROPN
fsr-3223	434	8	l	l	PROPN
fsr-3223	434	9	ia	ia	PROPN
fsr-3223	434	10	bi	bi	PROPN
fsr-3223	434	11	lit	light	VERB
fsr-3223	434	12	y	y	PROPN
fsr-3223	434	13	co	co	VERB
fsr-3223	434	14	ns	ns	PROPN
fsr-3223	434	15	tr	tr	VERB
fsr-3223	434	16	ai	be	VERB
fsr-3223	434	17	nt	not	PART
fsr-3223	434	18	m	m	PROPN
fsr-3223	434	19	od	od	PROPN
fsr-3223	434	20	el	el	PROPN
fsr-3223	434	21	ed	ed	PROPN
fsr-3223	434	22	as	as	ADP
fsr-3223	434	23	a	a	DET
fsr-3223	434	24	sh	sh	NOUN
fsr-3223	434	25	or	or	CCONJ
fsr-3223	434	26	t	t	PROPN
fsr-3223	434	27	po	po	X
fsr-3223	434	28	si	si	PROPN
fsr-3223	434	29	tio	tio	PROPN
fsr-3223	434	30	n	n	PROPN
fsr-3223	434	31	in	in	ADP
fsr-3223	434	32	t	t	PROPN
fsr-3223	434	33	ip	ip	NOUN
fsr-3223	434	34	s.	s.	PROPN
fsr-3223	434	35	m	m	PROPN
fsr-3223	434	36	ed	ed	NOUN
fsr-3223	434	37	er	er	INTJ
fsr-3223	434	38	20	20	NUM
fsr-3223	434	39	12	12	NUM
fsr-3223	435	1	jo	jo	INTJ
fsr-3223	435	2	ur	ur	INTJ
fsr-3223	435	3	na	na	ADP
fsr-3223	435	4	l	l	NOUN
fsr-3223	435	5	of	of	ADP
fsr-3223	435	6	in	in	ADP
fsr-3223	435	7	ve	ve	PROPN
fsr-3223	435	8	st	st	PROPN
fsr-3223	435	9	in	in	ADP
fsr-3223	435	10	g	g	PROPN
fsr-3223	435	11	po	po	PROPN
fsr-3223	436	1	rt	rt	INTJ
fsr-3223	436	2	fo	fo	INTJ
fsr-3223	436	3	lio	lio	PROPN
fsr-3223	436	4	sp	sp	ADP
fsr-3223	436	5	lit	light	VERB
fsr-3223	436	6	am	am	NOUN
fsr-3223	436	7	on	on	ADP
fsr-3223	436	8	g	g	PROPN
fsr-3223	436	9	lia	lia	PROPN
fsr-3223	436	10	bi	bi	PROPN
fsr-3223	436	11	lit	light	VERB
fsr-3223	436	12	y	y	NOUN
fsr-3223	436	13	he	he	PRON
fsr-3223	436	14	dg	dg	VERB
fsr-3223	436	15	in	in	ADP
fsr-3223	436	16	g	g	PROPN
fsr-3223	436	17	an	an	DET
fsr-3223	436	18	d	d	X
fsr-3223	436	19	re	re	X
fsr-3223	436	20	tu	tu	PROPN
fsr-3223	436	21	rn	rn	PROPN
fsr-3223	436	22	se	se	PROPN
fsr-3223	436	23	ek	ek	PROPN
fsr-3223	436	24	in	in	ADP
fsr-3223	436	25	g	g	PROPN
fsr-3223	436	26	as	as	ADP
fsr-3223	436	27	se	se	X
fsr-3223	436	28	ts	ts	X
fsr-3223	436	29	.	.	PUNCT
fsr-3223	437	1	w	w	INTJ
fsr-3223	437	2	hi	hi	INTJ
fsr-3223	437	3	tte	tte	PROPN
fsr-3223	437	4	n	n	ADV
fsr-3223	437	5	et	et	NOUN
fsr-3223	437	6	al	al	PROPN
fsr-3223	437	7	.	.	PUNCT
fsr-3223	438	1	20	20	NUM
fsr-3223	438	2	15	15	NUM
fsr-3223	438	3	pi	pi	NOUN
fsr-3223	438	4	m	m	NOUN
fsr-3223	438	5	c	c	NOUN
fsr-3223	438	6	o	o	NOUN
fsr-3223	439	1	so	so	ADV
fsr-3223	439	2	lu	lu	NOUN
fsr-3223	439	3	tio	tio	INTJ
fsr-3223	439	4	ns	ns	NUM
fsr-3223	440	1	h	h	NOUN
fsr-3223	440	2	ig	ig	INTJ
fsr-3223	441	1	he	he	PRON
fsr-3223	441	2	r	r	NOUN
fsr-3223	441	3	ra	ra	NOUN
fsr-3223	441	4	tio	tio	NOUN
fsr-3223	441	5	of	of	ADP
fsr-3223	441	6	in	in	ADP
fsr-3223	441	7	fla	fla	PROPN
fsr-3223	441	8	tio	tio	NOUN
fsr-3223	441	9	n	n	INTJ
fsr-3223	441	10	he	he	PRON
fsr-3223	441	11	dg	dg	VERB
fsr-3223	441	12	e	e	X
fsr-3223	441	13	as	as	ADP
fsr-3223	441	14	se	se	PROPN
fsr-3223	441	15	ts	ts	X
fsr-3223	441	16	re	re	PROPN
fsr-3223	441	17	su	su	PROPN
fsr-3223	441	18	lt	lt	PROPN
fsr-3223	441	19	in	in	ADP
fsr-3223	441	20	lo	lo	PROPN
fsr-3223	441	21	w	w	NOUN
fsr-3223	441	22	er	er	INTJ
fsr-3223	441	23	v	v	X
fsr-3223	441	24	a	a	DET
fsr-3223	441	25	r	r	NOUN
fsr-3223	441	26	s.	s.	PROPN
fsr-3223	441	27	249s	249s	PROPN
fsr-3223	441	28	.	.	PUNCT
fsr-3223	442	1	singh	singh	PROPN
fsr-3223	442	2	/	/	SYM
fsr-3223	442	3	financial	financial	ADJ
fsr-3223	442	4	services	service	NOUN
fsr-3223	442	5	review	review	VERB
fsr-3223	442	6	25	25	NUM
fsr-3223	442	7	(	(	PUNCT
fsr-3223	442	8	2016	2016	NUM
fsr-3223	442	9	)	)	PUNCT
fsr-3223	443	1	235–262	235–262	NUM
fsr-3223	443	2	sufficient	sufficient	ADJ
fsr-3223	443	3	time	time	NOUN
fsr-3223	443	4	to	to	PART
fsr-3223	443	5	provide	provide	VERB
fsr-3223	443	6	return	return	NOUN
fsr-3223	443	7	data	datum	NOUN
fsr-3223	443	8	for	for	ADP
fsr-3223	443	9	such	such	DET
fsr-3223	443	10	a	a	DET
fsr-3223	443	11	preliminary	preliminary	ADJ
fsr-3223	443	12	assessment	assessment	NOUN
fsr-3223	443	13	.	.	PUNCT
fsr-3223	444	1	a	a	DET
fsr-3223	444	2	discussion	discussion	NOUN
fsr-3223	444	3	on	on	ADP
fsr-3223	444	4	benchmarking	benchmarking	NOUN
fsr-3223	444	5	and	and	CCONJ
fsr-3223	444	6	evaluation	evaluation	NOUN
fsr-3223	444	7	of	of	ADP
fsr-3223	444	8	tdf	tdf	PROPN
fsr-3223	444	9	performance	performance	NOUN
fsr-3223	444	10	is	be	AUX
fsr-3223	444	11	presented	present	VERB
fsr-3223	444	12	next	next	ADV
fsr-3223	444	13	.	.	PUNCT
fsr-3223	445	1	4	4	X
fsr-3223	445	2	.	.	X
fsr-3223	445	3	benchmarking	benchmarke	VERB
fsr-3223	445	4	and	and	CCONJ
fsr-3223	445	5	performance	performance	NOUN
fsr-3223	445	6	evaluation	evaluation	NOUN
fsr-3223	445	7	in	in	ADP
fsr-3223	445	8	this	this	DET
fsr-3223	445	9	section	section	NOUN
fsr-3223	445	10	,	,	PUNCT
fsr-3223	445	11	a	a	DET
fsr-3223	445	12	discussion	discussion	NOUN
fsr-3223	445	13	on	on	ADP
fsr-3223	445	14	two	two	NUM
fsr-3223	445	15	aspects	aspect	NOUN
fsr-3223	445	16	of	of	ADP
fsr-3223	445	17	tdf	tdf	NOUN
fsr-3223	445	18	performance	performance	NOUN
fsr-3223	445	19	is	be	AUX
fsr-3223	445	20	presented	present	VERB
fsr-3223	445	21	.	.	PUNCT
fsr-3223	446	1	in	in	ADP
fsr-3223	446	2	the	the	DET
fsr-3223	446	3	first	first	ADJ
fsr-3223	446	4	,	,	PUNCT
fsr-3223	446	5	a	a	DET
fsr-3223	446	6	framework	framework	NOUN
fsr-3223	446	7	for	for	ADP
fsr-3223	446	8	benchmarking	benchmarke	VERB
fsr-3223	446	9	and	and	CCONJ
fsr-3223	446	10	performance	performance	NOUN
fsr-3223	446	11	attribution	attribution	NOUN
fsr-3223	446	12	of	of	ADP
fsr-3223	446	13	tdfs	tdfs	NOUN
fsr-3223	446	14	is	be	AUX
fsr-3223	446	15	discussed	discuss	VERB
fsr-3223	446	16	.	.	PUNCT
fsr-3223	447	1	in	in	ADP
fsr-3223	447	2	the	the	DET
fsr-3223	447	3	second	second	NOUN
fsr-3223	447	4	,	,	PUNCT
fsr-3223	447	5	a	a	DET
fsr-3223	447	6	summary	summary	NOUN
fsr-3223	447	7	of	of	ADP
fsr-3223	447	8	accumulated	accumulate	VERB
fsr-3223	447	9	empirical	empirical	ADJ
fsr-3223	447	10	evidence	evidence	NOUN
fsr-3223	447	11	on	on	ADP
fsr-3223	447	12	the	the	DET
fsr-3223	447	13	performance	performance	NOUN
fsr-3223	447	14	of	of	ADP
fsr-3223	447	15	tdfs	tdfs	NOUN
fsr-3223	447	16	is	be	AUX
fsr-3223	447	17	provided	provide	VERB
fsr-3223	447	18	.	.	PUNCT
fsr-3223	448	1	before	before	ADP
fsr-3223	448	2	the	the	DET
fsr-3223	448	3	discussion	discussion	NOUN
fsr-3223	448	4	on	on	ADP
fsr-3223	448	5	performance	performance	NOUN
fsr-3223	448	6	evaluation	evaluation	NOUN
fsr-3223	448	7	and	and	CCONJ
fsr-3223	448	8	attribution	attribution	NOUN
fsr-3223	448	9	of	of	ADP
fsr-3223	448	10	tdfs	tdfs	NOUN
fsr-3223	448	11	,	,	PUNCT
fsr-3223	448	12	an	an	DET
fsr-3223	448	13	important	important	ADJ
fsr-3223	448	14	fact	fact	NOUN
fsr-3223	448	15	regarding	regard	VERB
fsr-3223	448	16	tdf	tdf	PROPN
fsr-3223	448	17	strategies	strategy	NOUN
fsr-3223	448	18	need	need	VERB
fsr-3223	448	19	to	to	PART
fsr-3223	448	20	be	be	AUX
fsr-3223	448	21	pointed	point	VERB
fsr-3223	448	22	out	out	ADP
fsr-3223	448	23	.	.	PUNCT
fsr-3223	449	1	most	most	ADJ
fsr-3223	449	2	tdf	tdf	NOUN
fsr-3223	449	3	strategies	strategy	NOUN
fsr-3223	449	4	assume	assume	VERB
fsr-3223	449	5	a	a	DET
fsr-3223	449	6	long	long	ADJ
fsr-3223	449	7	-	-	PUNCT
fsr-3223	449	8	term	term	NOUN
fsr-3223	449	9	investment	investment	NOUN
fsr-3223	449	10	horizon	horizon	NOUN
fsr-3223	449	11	.	.	PUNCT
fsr-3223	450	1	many	many	ADJ
fsr-3223	450	2	tdfs	tdfs	ADJ
fsr-3223	450	3	,	,	PUNCT
fsr-3223	450	4	for	for	ADP
fsr-3223	450	5	example	example	NOUN
fsr-3223	450	6	,	,	PUNCT
fsr-3223	450	7	those	those	PRON
fsr-3223	450	8	of	of	ADP
fsr-3223	450	9	2050	2050	NUM
fsr-3223	450	10	or	or	CCONJ
fsr-3223	450	11	2055	2055	NUM
fsr-3223	450	12	vintage	vintage	NOUN
fsr-3223	450	13	,	,	PUNCT
fsr-3223	450	14	assume	assume	VERB
fsr-3223	450	15	a	a	DET
fsr-3223	450	16	holding	hold	VERB
fsr-3223	450	17	period	period	NOUN
fsr-3223	450	18	of	of	ADP
fsr-3223	450	19	40	40	NUM
fsr-3223	450	20	years	year	NOUN
fsr-3223	450	21	or	or	CCONJ
fsr-3223	450	22	more	more	ADJ
fsr-3223	450	23	,	,	PUNCT
fsr-3223	450	24	and	and	CCONJ
fsr-3223	450	25	this	this	PRON
fsr-3223	450	26	is	be	AUX
fsr-3223	450	27	for	for	ADP
fsr-3223	450	28	just	just	ADV
fsr-3223	450	29	“	"	PUNCT
fsr-3223	450	30	to	to	ADP
fsr-3223	450	31	”	"	PUNCT
fsr-3223	450	32	retirement	retirement	NOUN
fsr-3223	450	33	tdfs	tdfs	NOUN
fsr-3223	450	34	not	not	PART
fsr-3223	450	35	“	"	PUNCT
fsr-3223	450	36	through	through	ADP
fsr-3223	450	37	”	"	PUNCT
fsr-3223	450	38	retirement	retirement	NOUN
fsr-3223	450	39	.	.	PUNCT
fsr-3223	451	1	the	the	DET
fsr-3223	451	2	long	long	ADJ
fsr-3223	451	3	horizon	horizon	NOUN
fsr-3223	451	4	becomes	become	VERB
fsr-3223	451	5	even	even	ADV
fsr-3223	451	6	more	more	ADV
fsr-3223	451	7	significant	significant	ADJ
fsr-3223	451	8	when	when	SCONJ
fsr-3223	451	9	one	one	PRON
fsr-3223	451	10	takes	take	VERB
fsr-3223	451	11	into	into	ADP
fsr-3223	451	12	account	account	NOUN
fsr-3223	451	13	the	the	DET
fsr-3223	451	14	finding	finding	NOUN
fsr-3223	451	15	that	that	SCONJ
fsr-3223	451	16	returns	return	VERB
fsr-3223	451	17	in	in	ADP
fsr-3223	451	18	the	the	DET
fsr-3223	451	19	last	last	ADJ
fsr-3223	451	20	few	few	ADJ
fsr-3223	451	21	years	year	NOUN
fsr-3223	451	22	of	of	ADP
fsr-3223	451	23	the	the	DET
fsr-3223	451	24	investment	investment	NOUN
fsr-3223	451	25	horizon	horizon	NOUN
fsr-3223	451	26	are	be	AUX
fsr-3223	451	27	the	the	DET
fsr-3223	451	28	most	most	ADV
fsr-3223	451	29	significant	significant	ADJ
fsr-3223	451	30	,	,	PUNCT
fsr-3223	451	31	as	as	SCONJ
fsr-3223	451	32	pointed	point	VERB
fsr-3223	451	33	out	out	ADP
fsr-3223	451	34	by	by	ADP
fsr-3223	451	35	basu	basu	PROPN
fsr-3223	451	36	et	et	PROPN
fsr-3223	451	37	al	al	PROPN
fsr-3223	451	38	.	.	PROPN
fsr-3223	451	39	,	,	PUNCT
fsr-3223	451	40	therefore	therefore	ADV
fsr-3223	451	41	,	,	PUNCT
fsr-3223	451	42	any	any	DET
fsr-3223	451	43	performance	performance	NOUN
fsr-3223	451	44	evaluation	evaluation	NOUN
fsr-3223	451	45	methodology	methodology	NOUN
fsr-3223	451	46	should	should	AUX
fsr-3223	451	47	take	take	VERB
fsr-3223	451	48	into	into	ADP
fsr-3223	451	49	account	account	NOUN
fsr-3223	451	50	the	the	DET
fsr-3223	451	51	assumed	assumed	ADJ
fsr-3223	451	52	long	long	ADJ
fsr-3223	451	53	-	-	PUNCT
fsr-3223	451	54	term	term	NOUN
fsr-3223	451	55	investment	investment	NOUN
fsr-3223	451	56	horizon	horizon	NOUN
fsr-3223	451	57	of	of	ADP
fsr-3223	451	58	the	the	DET
fsr-3223	451	59	investor	investor	NOUN
fsr-3223	451	60	.	.	PUNCT
fsr-3223	452	1	it	it	PRON
fsr-3223	452	2	seems	seem	VERB
fsr-3223	452	3	that	that	SCONJ
fsr-3223	452	4	the	the	DET
fsr-3223	452	5	traditional	traditional	ADJ
fsr-3223	452	6	one	one	NUM
fsr-3223	452	7	,	,	PUNCT
fsr-3223	452	8	three	three	NUM
fsr-3223	452	9	,	,	PUNCT
fsr-3223	452	10	or	or	CCONJ
fsr-3223	452	11	five	five	NUM
fsr-3223	452	12	-	-	PUNCT
fsr-3223	452	13	year	year	NOUN
fsr-3223	452	14	returns	return	NOUN
fsr-3223	452	15	might	might	AUX
fsr-3223	452	16	not	not	PART
fsr-3223	452	17	be	be	AUX
fsr-3223	452	18	adequate	adequate	ADJ
fsr-3223	452	19	to	to	PART
fsr-3223	452	20	evaluate	evaluate	VERB
fsr-3223	452	21	tdf	tdf	PROPN
fsr-3223	452	22	performance.2	performance.2	PROPN
fsr-3223	452	23	a	a	DET
fsr-3223	452	24	significant	significant	ADJ
fsr-3223	452	25	portion	portion	NOUN
fsr-3223	452	26	of	of	ADP
fsr-3223	452	27	dc	dc	PROPN
fsr-3223	452	28	plan	plan	NOUN
fsr-3223	452	29	assets	asset	NOUN
fsr-3223	452	30	is	be	AUX
fsr-3223	452	31	tdfs	tdf	VERB
fsr-3223	452	32	,	,	PUNCT
fsr-3223	452	33	and	and	CCONJ
fsr-3223	452	34	as	as	SCONJ
fsr-3223	452	35	mentioned	mention	VERB
fsr-3223	452	36	in	in	ADP
fsr-3223	452	37	the	the	DET
fsr-3223	452	38	earlier	early	ADJ
fsr-3223	452	39	part	part	NOUN
fsr-3223	452	40	of	of	ADP
fsr-3223	452	41	the	the	DET
fsr-3223	452	42	paper	paper	NOUN
fsr-3223	452	43	,	,	PUNCT
fsr-3223	452	44	assets	asset	NOUN
fsr-3223	452	45	invested	invest	VERB
fsr-3223	452	46	in	in	ADP
fsr-3223	452	47	tdfs	tdfs	NOUN
fsr-3223	452	48	are	be	AUX
fsr-3223	452	49	expected	expect	VERB
fsr-3223	452	50	to	to	PART
fsr-3223	452	51	grow	grow	VERB
fsr-3223	452	52	.	.	PUNCT
fsr-3223	453	1	monitoring	monitor	VERB
fsr-3223	453	2	duties	duty	NOUN
fsr-3223	453	3	of	of	ADP
fsr-3223	453	4	the	the	DET
fsr-3223	453	5	plan	plan	NOUN
fsr-3223	453	6	sponsor	sponsor	NOUN
fsr-3223	453	7	usually	usually	ADV
fsr-3223	453	8	involve	involve	VERB
fsr-3223	453	9	performance	performance	NOUN
fsr-3223	453	10	evaluation	evaluation	NOUN
fsr-3223	453	11	of	of	ADP
fsr-3223	453	12	plan	plan	NOUN
fsr-3223	453	13	offerings	offering	NOUN
fsr-3223	453	14	.	.	PUNCT
fsr-3223	454	1	cassidy	cassidy	PROPN
fsr-3223	454	2	et	et	PROPN
fsr-3223	454	3	al	al	PROPN
fsr-3223	454	4	.	.	PROPN
fsr-3223	455	1	(	(	PUNCT
fsr-3223	455	2	2014	2014	NUM
fsr-3223	455	3	)	)	PUNCT
fsr-3223	455	4	emphasize	emphasize	VERB
fsr-3223	455	5	the	the	DET
fsr-3223	455	6	need	need	NOUN
fsr-3223	455	7	for	for	ADP
fsr-3223	455	8	a	a	DET
fsr-3223	455	9	benchmark	benchmark	NOUN
fsr-3223	455	10	based	base	VERB
fsr-3223	455	11	performance	performance	NOUN
fsr-3223	455	12	evaluation	evaluation	NOUN
fsr-3223	455	13	in	in	ADP
fsr-3223	455	14	defined	define	VERB
fsr-3223	455	15	contribution	contribution	NOUN
fsr-3223	455	16	plans	plan	NOUN
fsr-3223	455	17	.	.	PUNCT
fsr-3223	456	1	the	the	DET
fsr-3223	456	2	benchmark	benchmark	NOUN
fsr-3223	456	3	enables	enable	VERB
fsr-3223	456	4	better	well	ADJ
fsr-3223	456	5	communication	communication	NOUN
fsr-3223	456	6	between	between	ADP
fsr-3223	456	7	plan	plan	NOUN
fsr-3223	456	8	sponsors	sponsor	NOUN
fsr-3223	456	9	and	and	CCONJ
fsr-3223	456	10	investment	investment	NOUN
fsr-3223	456	11	managers	manager	NOUN
fsr-3223	456	12	.	.	PUNCT
fsr-3223	457	1	it	it	PRON
fsr-3223	457	2	affords	afford	VERB
fsr-3223	457	3	the	the	DET
fsr-3223	457	4	plan	plan	NOUN
fsr-3223	457	5	participants	participant	VERB
fsr-3223	457	6	benefits	benefit	NOUN
fsr-3223	457	7	of	of	ADP
fsr-3223	457	8	institutional	institutional	ADJ
fsr-3223	457	9	best	good	ADJ
fsr-3223	457	10	practices	practice	NOUN
fsr-3223	457	11	.	.	PUNCT
fsr-3223	458	1	a	a	DET
fsr-3223	458	2	benchmark	benchmark	NOUN
fsr-3223	458	3	also	also	ADV
fsr-3223	458	4	lets	let	VERB
fsr-3223	458	5	the	the	DET
fsr-3223	458	6	plan	plan	NOUN
fsr-3223	458	7	sponsor	sponsor	NOUN
fsr-3223	458	8	clearly	clearly	ADV
fsr-3223	458	9	define	define	VERB
fsr-3223	458	10	risk	risk	NOUN
fsr-3223	458	11	to	to	ADP
fsr-3223	458	12	the	the	DET
fsr-3223	458	13	investment	investment	NOUN
fsr-3223	458	14	managers	manager	NOUN
fsr-3223	458	15	.	.	PUNCT
fsr-3223	459	1	cassidy	cassidy	AUX
fsr-3223	459	2	et	et	PROPN
fsr-3223	459	3	al	al	PROPN
fsr-3223	459	4	.	.	PROPN
fsr-3223	459	5	recommend	recommend	VERB
fsr-3223	459	6	separate	separate	ADJ
fsr-3223	459	7	benchmarks	benchmark	NOUN
fsr-3223	459	8	for	for	ADP
fsr-3223	459	9	accumulation	accumulation	NOUN
fsr-3223	459	10	and	and	CCONJ
fsr-3223	459	11	decumulation	decumulation	NOUN
fsr-3223	459	12	stages	stage	NOUN
fsr-3223	459	13	.	.	PUNCT
fsr-3223	460	1	the	the	DET
fsr-3223	460	2	subject	subject	NOUN
fsr-3223	460	3	of	of	ADP
fsr-3223	460	4	benchmarking	benchmarking	NOUN
fsr-3223	460	5	and	and	CCONJ
fsr-3223	460	6	attribution	attribution	NOUN
fsr-3223	460	7	of	of	ADP
fsr-3223	460	8	tdf	tdf	PROPN
fsr-3223	460	9	performance	performance	NOUN
fsr-3223	460	10	is	be	AUX
fsr-3223	460	11	best	well	ADV
fsr-3223	460	12	understood	understand	VERB
fsr-3223	460	13	in	in	ADP
fsr-3223	460	14	the	the	DET
fsr-3223	460	15	attribution	attribution	NOUN
fsr-3223	460	16	framework	framework	NOUN
fsr-3223	460	17	borrowed	borrow	VERB
fsr-3223	460	18	from	from	ADP
fsr-3223	460	19	bailey	bailey	PROPN
fsr-3223	460	20	,	,	PUNCT
fsr-3223	460	21	richards	richard	NOUN
fsr-3223	460	22	,	,	PUNCT
fsr-3223	460	23	and	and	CCONJ
fsr-3223	460	24	tierney	tierney	PROPN
fsr-3223	460	25	(	(	PUNCT
fsr-3223	460	26	2007	2007	NUM
fsr-3223	460	27	)	)	PUNCT
fsr-3223	460	28	.	.	PUNCT
fsr-3223	461	1	let	let	VERB
fsr-3223	461	2	m	m	PRON
fsr-3223	461	3	be	be	AUX
fsr-3223	461	4	the	the	DET
fsr-3223	461	5	return	return	NOUN
fsr-3223	461	6	that	that	PRON
fsr-3223	461	7	represents	represent	VERB
fsr-3223	461	8	a	a	DET
fsr-3223	461	9	neutral	neutral	ADJ
fsr-3223	461	10	asset	asset	NOUN
fsr-3223	461	11	allocation	allocation	NOUN
fsr-3223	461	12	and	and	CCONJ
fsr-3223	461	13	passive	passive	ADJ
fsr-3223	461	14	return	return	NOUN
fsr-3223	461	15	for	for	ADP
fsr-3223	461	16	underlying	underlie	VERB
fsr-3223	461	17	asset	asset	NOUN
fsr-3223	461	18	classes	class	NOUN
fsr-3223	461	19	of	of	ADP
fsr-3223	461	20	a	a	DET
fsr-3223	461	21	tdf	tdf	PROPN
fsr-3223	461	22	.	.	PUNCT
fsr-3223	462	1	as	as	ADP
fsr-3223	462	2	applicable	applicable	ADJ
fsr-3223	462	3	to	to	PART
fsr-3223	462	4	tdfs	tdfs	VERB
fsr-3223	462	5	the	the	DET
fsr-3223	462	6	benchmark	benchmark	NOUN
fsr-3223	462	7	,	,	PUNCT
fsr-3223	462	8	m	m	PROPN
fsr-3223	462	9	captures	capture	VERB
fsr-3223	462	10	the	the	DET
fsr-3223	462	11	utility	utility	NOUN
fsr-3223	462	12	function	function	NOUN
fsr-3223	462	13	of	of	ADP
fsr-3223	462	14	the	the	DET
fsr-3223	462	15	investor	investor	NOUN
fsr-3223	462	16	including	include	VERB
fsr-3223	462	17	an	an	DET
fsr-3223	462	18	appropriate	appropriate	ADJ
fsr-3223	462	19	degree	degree	NOUN
fsr-3223	462	20	of	of	ADP
fsr-3223	462	21	risk	risk	NOUN
fsr-3223	462	22	aversion	aversion	NOUN
fsr-3223	462	23	.	.	PUNCT
fsr-3223	463	1	neutral	neutral	ADJ
fsr-3223	463	2	asset	asset	NOUN
fsr-3223	463	3	allocation	allocation	NOUN
fsr-3223	463	4	in	in	ADP
fsr-3223	463	5	this	this	DET
fsr-3223	463	6	context	context	NOUN
fsr-3223	463	7	would	would	AUX
fsr-3223	463	8	result	result	VERB
fsr-3223	463	9	in	in	ADP
fsr-3223	463	10	minimum	minimum	ADJ
fsr-3223	463	11	acceptable	acceptable	ADJ
fsr-3223	463	12	welfare	welfare	NOUN
fsr-3223	463	13	derived	derive	VERB
fsr-3223	463	14	from	from	ADP
fsr-3223	463	15	the	the	DET
fsr-3223	463	16	tdf	tdf	PROPN
fsr-3223	463	17	investment	investment	NOUN
fsr-3223	463	18	strategy	strategy	NOUN
fsr-3223	463	19	.	.	PUNCT
fsr-3223	464	1	for	for	ADP
fsr-3223	464	2	an	an	DET
fsr-3223	464	3	actively	actively	ADV
fsr-3223	464	4	managed	manage	VERB
fsr-3223	464	5	tdf	tdf	PROPN
fsr-3223	464	6	,	,	PUNCT
fsr-3223	464	7	a	a	DET
fsr-3223	464	8	portfolio	portfolio	NOUN
fsr-3223	464	9	manager	manager	NOUN
fsr-3223	464	10	can	can	AUX
fsr-3223	464	11	add	add	VERB
fsr-3223	464	12	value	value	NOUN
fsr-3223	464	13	and	and	CCONJ
fsr-3223	464	14	improve	improve	VERB
fsr-3223	464	15	welfare	welfare	NOUN
fsr-3223	464	16	,	,	PUNCT
fsr-3223	464	17	through	through	ADP
fsr-3223	464	18	three	three	NUM
fsr-3223	464	19	broad	broad	ADJ
fsr-3223	464	20	sets	set	NOUN
fsr-3223	464	21	of	of	ADP
fsr-3223	464	22	decisions	decision	NOUN
fsr-3223	464	23	.	.	PUNCT
fsr-3223	465	1	first	first	ADV
fsr-3223	465	2	,	,	PUNCT
fsr-3223	465	3	the	the	DET
fsr-3223	465	4	manager	manager	NOUN
fsr-3223	465	5	can	can	AUX
fsr-3223	465	6	deviate	deviate	VERB
fsr-3223	465	7	from	from	ADP
fsr-3223	465	8	neutral	neutral	ADJ
fsr-3223	465	9	asset	asset	NOUN
fsr-3223	465	10	class	class	NOUN
fsr-3223	465	11	weights	weight	NOUN
fsr-3223	465	12	and	and	CCONJ
fsr-3223	465	13	contribute	contribute	VERB
fsr-3223	465	14	value	value	NOUN
fsr-3223	465	15	to	to	ADP
fsr-3223	465	16	the	the	DET
fsr-3223	465	17	portfolio	portfolio	NOUN
fsr-3223	465	18	.	.	PUNCT
fsr-3223	466	1	for	for	ADP
fsr-3223	466	2	example	example	NOUN
fsr-3223	466	3	,	,	PUNCT
fsr-3223	466	4	overweighting	overweighte	VERB
fsr-3223	466	5	fixed	fix	VERB
fsr-3223	466	6	income	income	NOUN
fsr-3223	466	7	securities	security	NOUN
fsr-3223	466	8	when	when	SCONJ
fsr-3223	466	9	relative	relative	ADJ
fsr-3223	466	10	returns	return	NOUN
fsr-3223	466	11	from	from	ADP
fsr-3223	466	12	this	this	DET
fsr-3223	466	13	asset	asset	NOUN
fsr-3223	466	14	class	class	NOUN
fsr-3223	466	15	are	be	AUX
fsr-3223	466	16	forecasted	forecast	VERB
fsr-3223	466	17	to	to	PART
fsr-3223	466	18	be	be	AUX
fsr-3223	466	19	favorable	favorable	ADJ
fsr-3223	466	20	in	in	ADP
fsr-3223	466	21	the	the	DET
fsr-3223	466	22	view	view	NOUN
fsr-3223	466	23	of	of	ADP
fsr-3223	466	24	the	the	DET
fsr-3223	466	25	manager	manager	NOUN
fsr-3223	466	26	.	.	PUNCT
fsr-3223	467	1	let	let	VERB
fsr-3223	467	2	this	this	PRON
fsr-3223	467	3	be	be	AUX
fsr-3223	467	4	denoted	denote	VERB
fsr-3223	467	5	by	by	ADP
fsr-3223	467	6	w.	w.	PROPN
fsr-3223	467	7	next	next	PROPN
fsr-3223	467	8	,	,	PUNCT
fsr-3223	467	9	they	they	PRON
fsr-3223	467	10	can	can	AUX
fsr-3223	467	11	alter	alter	VERB
fsr-3223	467	12	allocation	allocation	NOUN
fsr-3223	467	13	to	to	ADP
fsr-3223	467	14	sectors	sector	NOUN
fsr-3223	467	15	within	within	ADP
fsr-3223	467	16	an	an	DET
fsr-3223	467	17	asset	asset	NOUN
fsr-3223	467	18	class	class	NOUN
fsr-3223	467	19	.	.	PUNCT
fsr-3223	468	1	for	for	ADP
fsr-3223	468	2	example	example	NOUN
fsr-3223	468	3	,	,	PUNCT
fsr-3223	468	4	over	over	ADP
fsr-3223	468	5	weighting	weight	VERB
fsr-3223	468	6	mortgage	mortgage	NOUN
fsr-3223	468	7	-	-	PUNCT
fsr-3223	468	8	backed	back	VERB
fsr-3223	468	9	securities	security	NOUN
fsr-3223	468	10	relative	relative	ADJ
fsr-3223	468	11	to	to	ADP
fsr-3223	468	12	treasuries	treasury	NOUN
fsr-3223	468	13	.	.	PUNCT
fsr-3223	469	1	let	let	VERB
fsr-3223	469	2	this	this	PRON
fsr-3223	469	3	be	be	AUX
fsr-3223	469	4	denoted	denote	VERB
fsr-3223	469	5	by	by	ADP
fsr-3223	469	6	s.	s.	PROPN
fsr-3223	469	7	finally	finally	ADV
fsr-3223	469	8	,	,	PUNCT
fsr-3223	469	9	security	security	NOUN
fsr-3223	469	10	selection	selection	NOUN
fsr-3223	469	11	can	can	AUX
fsr-3223	469	12	be	be	AUX
fsr-3223	469	13	a	a	DET
fsr-3223	469	14	source	source	NOUN
fsr-3223	469	15	of	of	ADP
fsr-3223	469	16	value	value	NOUN
fsr-3223	469	17	.	.	PUNCT
fsr-3223	470	1	let	let	VERB
fsr-3223	470	2	this	this	PRON
fsr-3223	470	3	be	be	AUX
fsr-3223	470	4	denoted	denote	VERB
fsr-3223	470	5	by	by	ADP
fsr-3223	470	6	a.	a.	PROPN
fsr-3223	470	7	a	a	PRON
fsr-3223	470	8	represents	represent	VERB
fsr-3223	470	9	over	over	ADP
fsr-3223	470	10	and	and	CCONJ
fsr-3223	470	11	underweighting	underweighting	NOUN
fsr-3223	470	12	of	of	ADP
fsr-3223	470	13	securities	security	NOUN
fsr-3223	470	14	relative	relative	ADJ
fsr-3223	470	15	to	to	ADP
fsr-3223	470	16	the	the	DET
fsr-3223	470	17	benchmark	benchmark	NOUN
fsr-3223	470	18	.	.	PUNCT
fsr-3223	471	1	assuming	assume	VERB
fsr-3223	471	2	interaction	interaction	NOUN
fsr-3223	471	3	affect	affect	VERB
fsr-3223	471	4	between	between	ADP
fsr-3223	471	5	s	s	PRON
fsr-3223	471	6	and	and	CCONJ
fsr-3223	471	7	a	a	PRON
fsr-3223	471	8	to	to	PART
fsr-3223	471	9	be	be	AUX
fsr-3223	471	10	minimal	minimal	ADJ
fsr-3223	471	11	,	,	PUNCT
fsr-3223	471	12	the	the	DET
fsr-3223	471	13	portfolio	portfolio	NOUN
fsr-3223	471	14	return	return	NOUN
fsr-3223	471	15	p	p	NOUN
fsr-3223	471	16	can	can	AUX
fsr-3223	471	17	then	then	ADV
fsr-3223	471	18	be	be	AUX
fsr-3223	471	19	represented	represent	VERB
fsr-3223	471	20	as	as	ADP
fsr-3223	471	21	,	,	PUNCT
fsr-3223	471	22	250	250	NUM
fsr-3223	471	23	s.	s.	PROPN
fsr-3223	471	24	singh	singh	PROPN
fsr-3223	471	25	/	/	SYM
fsr-3223	471	26	financial	financial	ADJ
fsr-3223	471	27	services	service	NOUN
fsr-3223	471	28	review	review	VERB
fsr-3223	471	29	25	25	NUM
fsr-3223	471	30	(	(	PUNCT
fsr-3223	471	31	2016	2016	NUM
fsr-3223	471	32	)	)	PUNCT
fsr-3223	472	1	235–262	235–262	NUM
fsr-3223	472	2	p	p	DET
fsr-3223	472	3	�	�	PROPN
fsr-3223	472	4	m	m	PROPN
fsr-3223	472	5	�	�	PROPN
fsr-3223	472	6	w	w	PROPN
fsr-3223	472	7	�	�	PROPN
fsr-3223	472	8	s	s	PART
fsr-3223	472	9	�	�	PROPN
fsr-3223	472	10	a	a	PRON
fsr-3223	472	11	(	(	PUNCT
fsr-3223	472	12	1	1	NUM
fsr-3223	472	13	)	)	PUNCT
fsr-3223	472	14	for	for	ADP
fsr-3223	472	15	a	a	DET
fsr-3223	472	16	tdf	tdf	NOUN
fsr-3223	472	17	with	with	ADP
fsr-3223	472	18	underlying	underlie	VERB
fsr-3223	472	19	index	index	NOUN
fsr-3223	472	20	funds	fund	NOUN
fsr-3223	472	21	as	as	ADP
fsr-3223	472	22	investment	investment	NOUN
fsr-3223	472	23	options	option	NOUN
fsr-3223	472	24	,	,	PUNCT
fsr-3223	472	25	both	both	PRON
fsr-3223	472	26	s	s	X
fsr-3223	472	27	and	and	CCONJ
fsr-3223	472	28	a	a	PRON
fsr-3223	472	29	are	be	AUX
fsr-3223	472	30	required	require	VERB
fsr-3223	472	31	to	to	PART
fsr-3223	472	32	be	be	AUX
fsr-3223	472	33	0	0	NUM
fsr-3223	472	34	,	,	PUNCT
fsr-3223	472	35	so	so	ADV
fsr-3223	472	36	the	the	DET
fsr-3223	472	37	portfolio	portfolio	NOUN
fsr-3223	472	38	return	return	NOUN
fsr-3223	472	39	becomes	become	VERB
fsr-3223	472	40	,	,	PUNCT
fsr-3223	472	41	p	p	PROPN
fsr-3223	472	42	�	�	PROPN
fsr-3223	472	43	m	m	VERB
fsr-3223	472	44	�	�	PROPN
fsr-3223	472	45	w	w	PROPN
fsr-3223	472	46	(	(	PUNCT
fsr-3223	472	47	2	2	NUM
fsr-3223	472	48	)	)	PUNCT
fsr-3223	472	49	in	in	ADP
fsr-3223	472	50	cases	case	NOUN
fsr-3223	472	51	,	,	PUNCT
fsr-3223	472	52	where	where	SCONJ
fsr-3223	472	53	no	no	DET
fsr-3223	472	54	deviation	deviation	NOUN
fsr-3223	472	55	from	from	ADP
fsr-3223	472	56	a	a	DET
fsr-3223	472	57	neutral	neutral	ADJ
fsr-3223	472	58	allocation	allocation	NOUN
fsr-3223	472	59	is	be	AUX
fsr-3223	472	60	permitted	permit	VERB
fsr-3223	472	61	,	,	PUNCT
fsr-3223	472	62	but	but	CCONJ
fsr-3223	472	63	underlying	underlying	ADJ
fsr-3223	472	64	funds	fund	NOUN
fsr-3223	472	65	are	be	AUX
fsr-3223	472	66	actively	actively	ADV
fsr-3223	472	67	managed	manage	VERB
fsr-3223	472	68	,	,	PUNCT
fsr-3223	472	69	p	p	PROPN
fsr-3223	472	70	�	�	PROPN
fsr-3223	472	71	m	m	PROPN
fsr-3223	472	72	�	�	PROPN
fsr-3223	472	73	s	s	PART
fsr-3223	472	74	�	�	PROPN
fsr-3223	472	75	a	a	DET
fsr-3223	472	76	(	(	PUNCT
fsr-3223	472	77	3	3	NUM
fsr-3223	472	78	)	)	PUNCT
fsr-3223	472	79	in	in	ADP
fsr-3223	472	80	cases	case	NOUN
fsr-3223	472	81	,	,	PUNCT
fsr-3223	472	82	where	where	SCONJ
fsr-3223	472	83	no	no	DET
fsr-3223	472	84	deviation	deviation	NOUN
fsr-3223	472	85	from	from	ADP
fsr-3223	472	86	a	a	DET
fsr-3223	472	87	neutral	neutral	ADJ
fsr-3223	472	88	allocation	allocation	NOUN
fsr-3223	472	89	is	be	AUX
fsr-3223	472	90	permitted	permit	VERB
fsr-3223	472	91	,	,	PUNCT
fsr-3223	472	92	and	and	CCONJ
fsr-3223	472	93	underlying	underlying	ADJ
fsr-3223	472	94	funds	fund	NOUN
fsr-3223	472	95	are	be	AUX
fsr-3223	472	96	indexed	index	VERB
fsr-3223	472	97	,	,	PUNCT
fsr-3223	472	98	p	p	PROPN
fsr-3223	472	99	�	�	PROPN
fsr-3223	472	100	m	m	PROPN
fsr-3223	472	101	(	(	PUNCT
fsr-3223	472	102	4	4	NUM
fsr-3223	472	103	)	)	PUNCT
fsr-3223	472	104	in	in	ADP
fsr-3223	472	105	the	the	DET
fsr-3223	472	106	case	case	NOUN
fsr-3223	472	107	of	of	ADP
fsr-3223	472	108	eq	eq	PROPN
fsr-3223	472	109	.	.	PUNCT
fsr-3223	473	1	(	(	PUNCT
fsr-3223	473	2	4	4	X
fsr-3223	473	3	)	)	PUNCT
fsr-3223	473	4	the	the	DET
fsr-3223	473	5	role	role	NOUN
fsr-3223	473	6	of	of	ADP
fsr-3223	473	7	the	the	DET
fsr-3223	473	8	manager	manager	NOUN
fsr-3223	473	9	is	be	AUX
fsr-3223	473	10	largely	largely	ADV
fsr-3223	473	11	administrative	administrative	ADJ
fsr-3223	473	12	as	as	SCONJ
fsr-3223	473	13	they	they	PRON
fsr-3223	473	14	can	can	AUX
fsr-3223	473	15	exercise	exercise	VERB
fsr-3223	473	16	no	no	DET
fsr-3223	473	17	discretion	discretion	NOUN
fsr-3223	473	18	in	in	ADP
fsr-3223	473	19	asset	asset	NOUN
fsr-3223	473	20	allocation	allocation	NOUN
fsr-3223	473	21	or	or	CCONJ
fsr-3223	473	22	security	security	NOUN
fsr-3223	473	23	selection	selection	NOUN
fsr-3223	473	24	decision	decision	NOUN
fsr-3223	473	25	.	.	PUNCT
fsr-3223	474	1	a	a	DET
fsr-3223	474	2	couple	couple	NOUN
fsr-3223	474	3	of	of	ADP
fsr-3223	474	4	additional	additional	ADJ
fsr-3223	474	5	interesting	interesting	ADJ
fsr-3223	474	6	points	point	NOUN
fsr-3223	474	7	about	about	ADP
fsr-3223	474	8	the	the	DET
fsr-3223	474	9	above	above	ADJ
fsr-3223	474	10	frame	frame	NOUN
fsr-3223	474	11	work	work	NOUN
fsr-3223	474	12	.	.	PUNCT
fsr-3223	475	1	in	in	ADP
fsr-3223	475	2	most	most	ADJ
fsr-3223	475	3	cases	case	NOUN
fsr-3223	475	4	,	,	PUNCT
fsr-3223	475	5	w	w	NOUN
fsr-3223	475	6	is	be	AUX
fsr-3223	475	7	restricted	restrict	VERB
fsr-3223	475	8	to	to	ADP
fsr-3223	475	9	a	a	DET
fsr-3223	475	10	range	range	NOUN
fsr-3223	475	11	of	of	ADP
fsr-3223	475	12	real	real	ADJ
fsr-3223	475	13	life	life	NOUN
fsr-3223	475	14	funds	fund	NOUN
fsr-3223	475	15	.	.	PUNCT
fsr-3223	476	1	second	second	ADJ
fsr-3223	476	2	,	,	PUNCT
fsr-3223	476	3	being	be	AUX
fsr-3223	476	4	that	that	SCONJ
fsr-3223	476	5	a	a	DET
fsr-3223	476	6	tdf	tdf	NOUN
fsr-3223	476	7	is	be	AUX
fsr-3223	476	8	essentially	essentially	ADV
fsr-3223	476	9	a	a	DET
fsr-3223	476	10	fund	fund	NOUN
fsr-3223	476	11	of	of	ADP
fsr-3223	476	12	funds	fund	NOUN
fsr-3223	476	13	,	,	PUNCT
fsr-3223	476	14	s	s	X
fsr-3223	476	15	and	and	CCONJ
fsr-3223	476	16	a	a	PRON
fsr-3223	476	17	are	be	AUX
fsr-3223	476	18	often	often	ADV
fsr-3223	476	19	beyond	beyond	ADP
fsr-3223	476	20	the	the	DET
fsr-3223	476	21	control	control	NOUN
fsr-3223	476	22	of	of	ADP
fsr-3223	476	23	the	the	DET
fsr-3223	476	24	tdf	tdf	NOUN
fsr-3223	476	25	manager	manager	NOUN
fsr-3223	476	26	and	and	CCONJ
fsr-3223	476	27	a	a	DET
fsr-3223	476	28	domain	domain	NOUN
fsr-3223	476	29	of	of	ADP
fsr-3223	476	30	the	the	DET
fsr-3223	476	31	manager	manager	NOUN
fsr-3223	476	32	of	of	ADP
fsr-3223	476	33	the	the	DET
fsr-3223	476	34	underlying	underlying	ADJ
fsr-3223	476	35	fund	fund	NOUN
fsr-3223	476	36	.	.	PUNCT
fsr-3223	477	1	assuming	assume	VERB
fsr-3223	477	2	a	a	DET
fsr-3223	477	3	similar	similar	ADJ
fsr-3223	477	4	setup	setup	NOUN
fsr-3223	477	5	,	,	PUNCT
fsr-3223	477	6	bare	bare	ADJ
fsr-3223	477	7	and	and	CCONJ
fsr-3223	477	8	greves	greve	NOUN
fsr-3223	477	9	(	(	PUNCT
fsr-3223	477	10	2013	2013	NUM
fsr-3223	477	11	)	)	PUNCT
fsr-3223	477	12	recommend	recommend	VERB
fsr-3223	477	13	that	that	SCONJ
fsr-3223	477	14	investment	investment	NOUN
fsr-3223	477	15	performance	performance	NOUN
fsr-3223	477	16	and	and	CCONJ
fsr-3223	477	17	participant	participant	ADJ
fsr-3223	477	18	success	success	NOUN
fsr-3223	477	19	be	be	AUX
fsr-3223	477	20	segregated	segregate	VERB
fsr-3223	477	21	in	in	ADP
fsr-3223	477	22	the	the	DET
fsr-3223	477	23	performance	performance	NOUN
fsr-3223	477	24	evaluation	evaluation	NOUN
fsr-3223	477	25	of	of	ADP
fsr-3223	477	26	tdfs	tdfs	NOUN
fsr-3223	477	27	.	.	PUNCT
fsr-3223	478	1	as	as	ADP
fsr-3223	478	2	participant	participant	ADJ
fsr-3223	478	3	success	success	NOUN
fsr-3223	478	4	in	in	ADP
fsr-3223	478	5	accomplishing	accomplish	VERB
fsr-3223	478	6	investment	investment	NOUN
fsr-3223	478	7	goals	goal	NOUN
fsr-3223	478	8	is	be	AUX
fsr-3223	478	9	individual	individual	ADJ
fsr-3223	478	10	and	and	CCONJ
fsr-3223	478	11	varies	vary	VERB
fsr-3223	478	12	across	across	ADP
fsr-3223	478	13	participants	participant	NOUN
fsr-3223	478	14	,	,	PUNCT
fsr-3223	478	15	the	the	DET
fsr-3223	478	16	more	more	ADV
fsr-3223	478	17	objective	objective	ADJ
fsr-3223	478	18	endeavor	endeavor	NOUN
fsr-3223	478	19	would	would	AUX
fsr-3223	478	20	be	be	AUX
fsr-3223	478	21	to	to	PART
fsr-3223	478	22	study	study	VERB
fsr-3223	478	23	investment	investment	NOUN
fsr-3223	478	24	performance	performance	NOUN
fsr-3223	478	25	.	.	PUNCT
fsr-3223	479	1	the	the	DET
fsr-3223	479	2	other	other	ADJ
fsr-3223	479	3	recommendation	recommendation	NOUN
fsr-3223	479	4	made	make	VERB
fsr-3223	479	5	by	by	ADP
fsr-3223	479	6	the	the	DET
fsr-3223	479	7	authors	author	NOUN
fsr-3223	479	8	is	be	AUX
fsr-3223	479	9	to	to	PART
fsr-3223	479	10	deemphasize	deemphasize	VERB
fsr-3223	479	11	peer	peer	NOUN
fsr-3223	479	12	relative	relative	ADJ
fsr-3223	479	13	performance	performance	NOUN
fsr-3223	479	14	evaluation	evaluation	NOUN
fsr-3223	479	15	.	.	PUNCT
fsr-3223	480	1	the	the	DET
fsr-3223	480	2	long	long	ADJ
fsr-3223	480	3	-	-	PUNCT
fsr-3223	480	4	term	term	NOUN
fsr-3223	480	5	asset	asset	NOUN
fsr-3223	480	6	allocation	allocation	NOUN
fsr-3223	480	7	of	of	ADP
fsr-3223	480	8	the	the	DET
fsr-3223	480	9	fund	fund	NOUN
fsr-3223	480	10	as	as	SCONJ
fsr-3223	480	11	reflected	reflect	VERB
fsr-3223	480	12	by	by	ADP
fsr-3223	480	13	the	the	DET
fsr-3223	480	14	fund	fund	NOUN
fsr-3223	480	15	’s	’s	PART
fsr-3223	480	16	glide	glide	ADJ
fsr-3223	480	17	path	path	NOUN
fsr-3223	480	18	represents	represent	VERB
fsr-3223	480	19	the	the	DET
fsr-3223	480	20	tdf	tdf	PROPN
fsr-3223	480	21	’s	’s	PART
fsr-3223	480	22	strategic	strategic	ADJ
fsr-3223	480	23	allocation	allocation	NOUN
fsr-3223	480	24	mix	mix	NOUN
fsr-3223	480	25	.	.	PUNCT
fsr-3223	481	1	if	if	SCONJ
fsr-3223	481	2	the	the	DET
fsr-3223	481	3	fund	fund	NOUN
fsr-3223	481	4	relies	rely	VERB
fsr-3223	481	5	on	on	ADP
fsr-3223	481	6	active	active	ADJ
fsr-3223	481	7	management	management	NOUN
fsr-3223	481	8	,	,	PUNCT
fsr-3223	481	9	then	then	ADV
fsr-3223	481	10	there	there	PRON
fsr-3223	481	11	is	be	VERB
fsr-3223	481	12	an	an	DET
fsr-3223	481	13	additional	additional	ADJ
fsr-3223	481	14	component	component	NOUN
fsr-3223	481	15	of	of	ADP
fsr-3223	481	16	security	security	NOUN
fsr-3223	481	17	selection	selection	NOUN
fsr-3223	481	18	and	and	CCONJ
fsr-3223	481	19	tactical	tactical	ADJ
fsr-3223	481	20	return	return	NOUN
fsr-3223	481	21	if	if	SCONJ
fsr-3223	481	22	the	the	DET
fsr-3223	481	23	fund	fund	NOUN
fsr-3223	481	24	mandate	mandate	NOUN
fsr-3223	481	25	permits	permit	VERB
fsr-3223	481	26	alteration	alteration	NOUN
fsr-3223	481	27	of	of	ADP
fsr-3223	481	28	asset	asset	NOUN
fsr-3223	481	29	allocation	allocation	NOUN
fsr-3223	481	30	,	,	PUNCT
fsr-3223	481	31	perhaps	perhaps	ADV
fsr-3223	481	32	within	within	ADP
fsr-3223	481	33	a	a	DET
fsr-3223	481	34	range	range	NOUN
fsr-3223	481	35	.	.	PUNCT
fsr-3223	482	1	the	the	DET
fsr-3223	482	2	focus	focus	NOUN
fsr-3223	482	3	should	should	AUX
fsr-3223	482	4	be	be	AUX
fsr-3223	482	5	upon	upon	SCONJ
fsr-3223	482	6	identifying	identify	VERB
fsr-3223	482	7	the	the	DET
fsr-3223	482	8	sources	source	NOUN
fsr-3223	482	9	of	of	ADP
fsr-3223	482	10	risk	risk	NOUN
fsr-3223	482	11	and	and	CCONJ
fsr-3223	482	12	return	return	NOUN
fsr-3223	482	13	of	of	ADP
fsr-3223	482	14	the	the	DET
fsr-3223	482	15	tdf	tdf	PROPN
fsr-3223	482	16	portfolio	portfolio	NOUN
fsr-3223	482	17	,	,	PUNCT
fsr-3223	482	18	according	accord	VERB
fsr-3223	482	19	to	to	ADP
fsr-3223	482	20	the	the	DET
fsr-3223	482	21	authors	author	NOUN
fsr-3223	482	22	.	.	PUNCT
fsr-3223	483	1	bare	bare	ADJ
fsr-3223	483	2	and	and	CCONJ
fsr-3223	483	3	greves	greve	NOUN
fsr-3223	483	4	(	(	PUNCT
fsr-3223	483	5	2013	2013	NUM
fsr-3223	483	6	)	)	PUNCT
fsr-3223	483	7	suggest	suggest	VERB
fsr-3223	483	8	a	a	DET
fsr-3223	483	9	three	three	NUM
fsr-3223	483	10	-	-	PUNCT
fsr-3223	483	11	pronged	pronged	ADJ
fsr-3223	483	12	approach	approach	NOUN
fsr-3223	483	13	to	to	ADP
fsr-3223	483	14	performance	performance	NOUN
fsr-3223	483	15	attribution	attribution	NOUN
fsr-3223	483	16	.	.	PUNCT
fsr-3223	484	1	first	first	ADV
fsr-3223	484	2	,	,	PUNCT
fsr-3223	484	3	developing	develop	VERB
fsr-3223	484	4	a	a	DET
fsr-3223	484	5	simple	simple	ADJ
fsr-3223	484	6	benchmark	benchmark	NOUN
fsr-3223	484	7	representing	represent	VERB
fsr-3223	484	8	the	the	DET
fsr-3223	484	9	growth	growth	NOUN
fsr-3223	484	10	and	and	CCONJ
fsr-3223	484	11	capital	capital	NOUN
fsr-3223	484	12	preservation	preservation	NOUN
fsr-3223	484	13	components	component	NOUN
fsr-3223	484	14	of	of	ADP
fsr-3223	484	15	the	the	DET
fsr-3223	484	16	fund	fund	NOUN
fsr-3223	484	17	.	.	PUNCT
fsr-3223	485	1	second	second	ADJ
fsr-3223	485	2	,	,	PUNCT
fsr-3223	485	3	determining	determine	VERB
fsr-3223	485	4	a	a	DET
fsr-3223	485	5	composite	composite	ADJ
fsr-3223	485	6	benchmark	benchmark	NOUN
fsr-3223	485	7	representing	represent	VERB
fsr-3223	485	8	the	the	DET
fsr-3223	485	9	returns	return	NOUN
fsr-3223	485	10	of	of	ADP
fsr-3223	485	11	the	the	DET
fsr-3223	485	12	specific	specific	ADJ
fsr-3223	485	13	target	target	NOUN
fsr-3223	485	14	components	component	NOUN
fsr-3223	485	15	of	of	ADP
fsr-3223	485	16	the	the	DET
fsr-3223	485	17	fund	fund	NOUN
fsr-3223	485	18	.	.	PUNCT
fsr-3223	486	1	for	for	ADP
fsr-3223	486	2	example	example	NOUN
fsr-3223	486	3	,	,	PUNCT
fsr-3223	486	4	performance	performance	NOUN
fsr-3223	486	5	of	of	ADP
fsr-3223	486	6	real	real	ADJ
fsr-3223	486	7	assets	asset	NOUN
fsr-3223	486	8	in	in	ADP
fsr-3223	486	9	a	a	DET
fsr-3223	486	10	neutral	neutral	ADJ
fsr-3223	486	11	allocation	allocation	NOUN
fsr-3223	486	12	.	.	PUNCT
fsr-3223	487	1	together	together	ADV
fsr-3223	487	2	,	,	PUNCT
fsr-3223	487	3	this	this	PRON
fsr-3223	487	4	is	be	AUX
fsr-3223	487	5	analogous	analogous	ADJ
fsr-3223	487	6	to	to	ADP
fsr-3223	487	7	m	m	PRON
fsr-3223	487	8	in	in	ADP
fsr-3223	487	9	eq	eq	ADP
fsr-3223	487	10	.	.	PUNCT
fsr-3223	488	1	(	(	PUNCT
fsr-3223	488	2	1	1	NUM
fsr-3223	488	3	)	)	PUNCT
fsr-3223	488	4	.	.	PUNCT
fsr-3223	489	1	finally	finally	ADV
fsr-3223	489	2	,	,	PUNCT
fsr-3223	489	3	a	a	DET
fsr-3223	489	4	return	return	NOUN
fsr-3223	489	5	comparison	comparison	NOUN
fsr-3223	489	6	between	between	ADP
fsr-3223	489	7	composite	composite	ADJ
fsr-3223	489	8	and	and	CCONJ
fsr-3223	489	9	simple	simple	ADJ
fsr-3223	489	10	benchmark	benchmark	NOUN
fsr-3223	489	11	,	,	PUNCT
fsr-3223	489	12	and	and	CCONJ
fsr-3223	489	13	then	then	ADV
fsr-3223	489	14	between	between	ADP
fsr-3223	489	15	the	the	DET
fsr-3223	489	16	fund	fund	NOUN
fsr-3223	489	17	return	return	NOUN
fsr-3223	489	18	and	and	CCONJ
fsr-3223	489	19	the	the	DET
fsr-3223	489	20	simple	simple	ADJ
fsr-3223	489	21	benchmark	benchmark	NOUN
fsr-3223	489	22	to	to	PART
fsr-3223	489	23	isolate	isolate	VERB
fsr-3223	489	24	the	the	DET
fsr-3223	489	25	value	value	NOUN
fsr-3223	489	26	added	add	VERB
fsr-3223	489	27	by	by	ADP
fsr-3223	489	28	the	the	DET
fsr-3223	489	29	manager	manager	NOUN
fsr-3223	489	30	through	through	ADP
fsr-3223	489	31	security	security	NOUN
fsr-3223	489	32	selection	selection	NOUN
fsr-3223	489	33	and	and	CCONJ
fsr-3223	489	34	tactical	tactical	ADJ
fsr-3223	489	35	choices	choice	NOUN
fsr-3223	489	36	.	.	PUNCT
fsr-3223	490	1	this	this	PRON
fsr-3223	490	2	is	be	AUX
fsr-3223	490	3	equivalent	equivalent	ADJ
fsr-3223	490	4	to	to	ADP
fsr-3223	490	5	w	w	PROPN
fsr-3223	490	6	�	�	PROPN
fsr-3223	490	7	s	s	PART
fsr-3223	490	8	�	�	NOUN
fsr-3223	490	9	a	a	NOUN
fsr-3223	490	10	in	in	ADP
fsr-3223	490	11	eq	eq	ADP
fsr-3223	490	12	.	.	PUNCT
fsr-3223	491	1	(	(	PUNCT
fsr-3223	491	2	4	4	NUM
fsr-3223	491	3	)	)	PUNCT
fsr-3223	491	4	.	.	PUNCT
fsr-3223	492	1	with	with	ADP
fsr-3223	492	2	this	this	DET
fsr-3223	492	3	framework	framework	NOUN
fsr-3223	492	4	in	in	ADP
fsr-3223	492	5	place	place	NOUN
fsr-3223	492	6	,	,	PUNCT
fsr-3223	492	7	it	it	PRON
fsr-3223	492	8	is	be	AUX
fsr-3223	492	9	instructive	instructive	ADJ
fsr-3223	492	10	to	to	PART
fsr-3223	492	11	examine	examine	VERB
fsr-3223	492	12	how	how	SCONJ
fsr-3223	492	13	the	the	DET
fsr-3223	492	14	benchmarking	benchmarke	VERB
fsr-3223	492	15	tools	tool	NOUN
fsr-3223	492	16	available	available	ADJ
fsr-3223	492	17	stand	stand	VERB
fsr-3223	492	18	up	up	ADP
fsr-3223	492	19	to	to	ADP
fsr-3223	492	20	fundamental	fundamental	ADJ
fsr-3223	492	21	principles	principle	NOUN
fsr-3223	492	22	of	of	ADP
fsr-3223	492	23	a	a	DET
fsr-3223	492	24	good	good	ADJ
fsr-3223	492	25	benchmark	benchmark	NOUN
fsr-3223	492	26	.	.	PUNCT
fsr-3223	493	1	a	a	DET
fsr-3223	493	2	number	number	NOUN
fsr-3223	493	3	of	of	ADP
fsr-3223	493	4	index	index	NOUN
fsr-3223	493	5	providers	provider	NOUN
fsr-3223	493	6	have	have	AUX
fsr-3223	493	7	created	create	VERB
fsr-3223	493	8	target	target	NOUN
fsr-3223	493	9	date	date	NOUN
fsr-3223	493	10	indexes	index	NOUN
fsr-3223	493	11	for	for	ADP
fsr-3223	493	12	benchmarking	benchmarke	VERB
fsr-3223	493	13	and	and	CCONJ
fsr-3223	493	14	performance	performance	NOUN
fsr-3223	493	15	evaluation	evaluation	NOUN
fsr-3223	493	16	.	.	PUNCT
fsr-3223	494	1	according	accord	VERB
fsr-3223	494	2	to	to	ADP
fsr-3223	494	3	bailey	bailey	PROPN
fsr-3223	494	4	,	,	PUNCT
fsr-3223	494	5	richards	richard	NOUN
fsr-3223	494	6	,	,	PUNCT
fsr-3223	494	7	and	and	CCONJ
fsr-3223	494	8	tierney	tierney	PROPN
fsr-3223	494	9	(	(	PUNCT
fsr-3223	494	10	2007	2007	NUM
fsr-3223	494	11	)	)	PUNCT
fsr-3223	494	12	,	,	PUNCT
fsr-3223	494	13	a	a	DET
fsr-3223	494	14	valid	valid	ADJ
fsr-3223	494	15	benchmark	benchmark	NOUN
fsr-3223	494	16	should	should	AUX
fsr-3223	494	17	possess	possess	VERB
fsr-3223	494	18	the	the	DET
fsr-3223	494	19	following	follow	VERB
fsr-3223	494	20	properties	property	NOUN
fsr-3223	494	21	:	:	PUNCT
fsr-3223	494	22	it	it	PRON
fsr-3223	494	23	is	be	AUX
fsr-3223	494	24	(	(	PUNCT
fsr-3223	494	25	1	1	X
fsr-3223	494	26	)	)	PUNCT
fsr-3223	494	27	unam251s	unam251	NOUN
fsr-3223	494	28	.	.	PUNCT
fsr-3223	495	1	singh	singh	PROPN
fsr-3223	495	2	/	/	SYM
fsr-3223	495	3	financial	financial	ADJ
fsr-3223	495	4	services	service	NOUN
fsr-3223	495	5	review	review	VERB
fsr-3223	495	6	25	25	NUM
fsr-3223	495	7	(	(	PUNCT
fsr-3223	495	8	2016	2016	NUM
fsr-3223	495	9	)	)	PUNCT
fsr-3223	495	10	235–262	235–262	NUM
fsr-3223	495	11	biguous	biguous	ADJ
fsr-3223	495	12	,	,	PUNCT
fsr-3223	495	13	(	(	PUNCT
fsr-3223	495	14	2	2	X
fsr-3223	495	15	)	)	PUNCT
fsr-3223	495	16	measurable	measurable	NOUN
fsr-3223	495	17	,	,	PUNCT
fsr-3223	495	18	(	(	PUNCT
fsr-3223	495	19	3	3	X
fsr-3223	495	20	)	)	PUNCT
fsr-3223	495	21	appropriate	appropriate	ADJ
fsr-3223	495	22	,	,	PUNCT
fsr-3223	495	23	(	(	PUNCT
fsr-3223	495	24	4	4	X
fsr-3223	495	25	)	)	PUNCT
fsr-3223	495	26	reflective	reflective	NOUN
fsr-3223	495	27	of	of	ADP
fsr-3223	495	28	current	current	ADJ
fsr-3223	495	29	investment	investment	NOUN
fsr-3223	495	30	opinions	opinion	NOUN
fsr-3223	495	31	,	,	PUNCT
fsr-3223	495	32	(	(	PUNCT
fsr-3223	495	33	5	5	X
fsr-3223	495	34	)	)	PUNCT
fsr-3223	495	35	prescribed	prescribe	VERB
fsr-3223	495	36	in	in	ADP
fsr-3223	495	37	advance	advance	NOUN
fsr-3223	495	38	,	,	PUNCT
fsr-3223	495	39	(	(	PUNCT
fsr-3223	495	40	6	6	NUM
fsr-3223	495	41	)	)	PUNCT
fsr-3223	495	42	investable	investable	ADJ
fsr-3223	495	43	,	,	PUNCT
fsr-3223	495	44	and	and	CCONJ
fsr-3223	495	45	(	(	PUNCT
fsr-3223	495	46	7	7	X
fsr-3223	495	47	)	)	PUNCT
fsr-3223	495	48	accountable	accountable	ADJ
fsr-3223	495	49	.	.	PUNCT
fsr-3223	496	1	at	at	ADP
fsr-3223	496	2	present	present	ADJ
fsr-3223	496	3	,	,	PUNCT
fsr-3223	496	4	there	there	PRON
fsr-3223	496	5	are	be	VERB
fsr-3223	496	6	multiple	multiple	ADJ
fsr-3223	496	7	target	target	NOUN
fsr-3223	496	8	-	-	PUNCT
fsr-3223	496	9	date	date	NOUN
fsr-3223	496	10	indexes	index	NOUN
fsr-3223	496	11	available	available	ADJ
fsr-3223	496	12	for	for	ADP
fsr-3223	496	13	benchmarking	benchmarke	VERB
fsr-3223	496	14	tdf	tdf	NOUN
fsr-3223	496	15	performance	performance	NOUN
fsr-3223	496	16	.	.	PUNCT
fsr-3223	497	1	descriptive	descriptive	ADJ
fsr-3223	497	2	literature	literature	NOUN
fsr-3223	497	3	provided	provide	VERB
fsr-3223	497	4	by	by	ADP
fsr-3223	497	5	each	each	DET
fsr-3223	497	6	index	index	NOUN
fsr-3223	497	7	provider	provider	NOUN
fsr-3223	497	8	highlights	highlight	NOUN
fsr-3223	497	9	the	the	DET
fsr-3223	497	10	superiority	superiority	NOUN
fsr-3223	497	11	of	of	ADP
fsr-3223	497	12	each	each	DET
fsr-3223	497	13	index	index	NOUN
fsr-3223	497	14	design	design	NOUN
fsr-3223	497	15	.	.	PUNCT
fsr-3223	498	1	a	a	DET
fsr-3223	498	2	summary	summary	NOUN
fsr-3223	498	3	of	of	ADP
fsr-3223	498	4	these	these	DET
fsr-3223	498	5	indexes	index	NOUN
fsr-3223	498	6	appears	appear	VERB
fsr-3223	498	7	in	in	ADP
fsr-3223	498	8	table	table	NOUN
fsr-3223	498	9	3	3	NUM
fsr-3223	498	10	.	.	PUNCT
fsr-3223	498	11	please	please	INTJ
fsr-3223	498	12	note	note	VERB
fsr-3223	498	13	that	that	SCONJ
fsr-3223	498	14	despite	despite	SCONJ
fsr-3223	498	15	reasonable	reasonable	ADJ
fsr-3223	498	16	efforts	effort	NOUN
fsr-3223	498	17	,	,	PUNCT
fsr-3223	498	18	the	the	DET
fsr-3223	498	19	author	author	NOUN
fsr-3223	498	20	of	of	ADP
fsr-3223	498	21	this	this	DET
fsr-3223	498	22	paper	paper	NOUN
fsr-3223	498	23	is	be	AUX
fsr-3223	498	24	unable	unable	ADJ
fsr-3223	498	25	to	to	PART
fsr-3223	498	26	find	find	VERB
fsr-3223	498	27	up	up	ADP
fsr-3223	498	28	to	to	ADP
fsr-3223	498	29	date	date	NOUN
fsr-3223	498	30	information	information	NOUN
fsr-3223	498	31	on	on	ADP
fsr-3223	498	32	some	some	PRON
fsr-3223	498	33	of	of	ADP
fsr-3223	498	34	these	these	DET
fsr-3223	498	35	indexes	index	NOUN
fsr-3223	498	36	.	.	PUNCT
fsr-3223	499	1	in	in	ADP
fsr-3223	499	2	the	the	DET
fsr-3223	499	3	table	table	NOUN
fsr-3223	499	4	,	,	PUNCT
fsr-3223	499	5	the	the	DET
fsr-3223	499	6	prominent	prominent	ADJ
fsr-3223	499	7	feature	feature	NOUN
fsr-3223	499	8	of	of	ADP
fsr-3223	499	9	each	each	DET
fsr-3223	499	10	benchmark	benchmark	NOUN
fsr-3223	499	11	is	be	AUX
fsr-3223	499	12	highlighted	highlight	VERB
fsr-3223	499	13	.	.	PUNCT
fsr-3223	500	1	to	to	PART
fsr-3223	500	2	provide	provide	VERB
fsr-3223	500	3	the	the	DET
fsr-3223	500	4	reader	reader	NOUN
fsr-3223	500	5	with	with	ADP
fsr-3223	500	6	an	an	DET
fsr-3223	500	7	academic	academic	ADJ
fsr-3223	500	8	assessment	assessment	NOUN
fsr-3223	500	9	of	of	ADP
fsr-3223	500	10	index	index	NOUN
fsr-3223	500	11	qualities	quality	NOUN
fsr-3223	500	12	rather	rather	ADV
fsr-3223	500	13	than	than	ADP
fsr-3223	500	14	comparative	comparative	ADJ
fsr-3223	500	15	positives	positive	NOUN
fsr-3223	500	16	and	and	CCONJ
fsr-3223	500	17	negatives	negative	NOUN
fsr-3223	500	18	,	,	PUNCT
fsr-3223	500	19	an	an	DET
fsr-3223	500	20	aggregate	aggregate	ADJ
fsr-3223	500	21	analysis	analysis	NOUN
fsr-3223	500	22	based	base	VERB
fsr-3223	500	23	on	on	ADP
fsr-3223	500	24	bailey	bailey	PROPN
fsr-3223	500	25	,	,	PUNCT
fsr-3223	500	26	richards	richard	NOUN
fsr-3223	500	27	,	,	PUNCT
fsr-3223	500	28	and	and	CCONJ
fsr-3223	500	29	tierney	tierney	PROPN
fsr-3223	500	30	’s	’s	PART
fsr-3223	500	31	seven	seven	NUM
fsr-3223	500	32	properties	property	NOUN
fsr-3223	500	33	of	of	ADP
fsr-3223	500	34	a	a	DET
fsr-3223	500	35	valid	valid	ADJ
fsr-3223	500	36	benchmark	benchmark	NOUN
fsr-3223	500	37	are	be	AUX
fsr-3223	500	38	presented	present	VERB
fsr-3223	500	39	.	.	PUNCT
fsr-3223	501	1	as	as	SCONJ
fsr-3223	501	2	can	can	AUX
fsr-3223	501	3	be	be	AUX
fsr-3223	501	4	observed	observe	VERB
fsr-3223	501	5	from	from	ADP
fsr-3223	501	6	table	table	NOUN
fsr-3223	501	7	3	3	NUM
fsr-3223	501	8	,	,	PUNCT
fsr-3223	501	9	a	a	DET
fsr-3223	501	10	wide	wide	ADJ
fsr-3223	501	11	array	array	NOUN
fsr-3223	501	12	of	of	ADP
fsr-3223	501	13	investment	investment	NOUN
fsr-3223	501	14	philosophies	philosophy	NOUN
fsr-3223	501	15	is	be	AUX
fsr-3223	501	16	found	find	VERB
fsr-3223	501	17	in	in	ADP
fsr-3223	501	18	the	the	DET
fsr-3223	501	19	design	design	NOUN
fsr-3223	501	20	of	of	ADP
fsr-3223	501	21	target	target	NOUN
fsr-3223	501	22	date	date	NOUN
fsr-3223	501	23	indexes	index	NOUN
fsr-3223	501	24	.	.	PUNCT
fsr-3223	502	1	there	there	PRON
fsr-3223	502	2	are	be	VERB
fsr-3223	502	3	many	many	ADJ
fsr-3223	502	4	different	different	ADJ
fsr-3223	502	5	glide	glide	NOUN
fsr-3223	502	6	paths	path	NOUN
fsr-3223	502	7	used	use	VERB
fsr-3223	502	8	by	by	ADP
fsr-3223	502	9	tdfs	tdfs	NOUN
fsr-3223	502	10	.	.	PUNCT
fsr-3223	503	1	similarly	similarly	ADV
fsr-3223	503	2	,	,	PUNCT
fsr-3223	503	3	there	there	PRON
fsr-3223	503	4	are	be	VERB
fsr-3223	503	5	wide	wide	ADJ
fsr-3223	503	6	and	and	CCONJ
fsr-3223	503	7	varying	vary	VERB
fsr-3223	503	8	approaches	approach	NOUN
fsr-3223	503	9	to	to	ADP
fsr-3223	503	10	the	the	DET
fsr-3223	503	11	underlying	underlie	VERB
fsr-3223	503	12	glide	glide	NOUN
fsr-3223	503	13	paths	path	NOUN
fsr-3223	503	14	tracked	track	VERB
fsr-3223	503	15	by	by	ADP
fsr-3223	503	16	the	the	DET
fsr-3223	503	17	indexes	index	NOUN
fsr-3223	503	18	.	.	PUNCT
fsr-3223	504	1	note	note	VERB
fsr-3223	504	2	that	that	SCONJ
fsr-3223	504	3	the	the	DET
fsr-3223	504	4	tracking	tracking	NOUN
fsr-3223	504	5	error	error	NOUN
fsr-3223	504	6	of	of	ADP
fsr-3223	504	7	any	any	DET
fsr-3223	504	8	tdf	tdf	NOUN
fsr-3223	504	9	will	will	AUX
fsr-3223	504	10	likely	likely	ADV
fsr-3223	504	11	be	be	AUX
fsr-3223	504	12	different	different	ADJ
fsr-3223	504	13	by	by	ADP
fsr-3223	504	14	benchmark	benchmark	NOUN
fsr-3223	504	15	,	,	PUNCT
fsr-3223	504	16	given	give	VERB
fsr-3223	504	17	the	the	DET
fsr-3223	504	18	wide	wide	ADJ
fsr-3223	504	19	divergence	divergence	NOUN
fsr-3223	504	20	in	in	ADP
fsr-3223	504	21	the	the	DET
fsr-3223	504	22	underlying	underlying	ADJ
fsr-3223	504	23	glide	glide	ADJ
fsr-3223	504	24	path	path	NOUN
fsr-3223	504	25	of	of	ADP
fsr-3223	504	26	each	each	DET
fsr-3223	504	27	index	index	NOUN
fsr-3223	504	28	.	.	PUNCT
fsr-3223	505	1	from	from	ADP
fsr-3223	505	2	the	the	DET
fsr-3223	505	3	perspective	perspective	NOUN
fsr-3223	505	4	of	of	ADP
fsr-3223	505	5	plan	plan	NOUN
fsr-3223	505	6	sponsors	sponsor	NOUN
fsr-3223	505	7	,	,	PUNCT
fsr-3223	505	8	there	there	PRON
fsr-3223	505	9	seem	seem	VERB
fsr-3223	505	10	to	to	PART
fsr-3223	505	11	be	be	AUX
fsr-3223	505	12	sufficient	sufficient	ADJ
fsr-3223	505	13	historical	historical	ADJ
fsr-3223	505	14	returns	return	NOUN
fsr-3223	505	15	to	to	PART
fsr-3223	505	16	allow	allow	VERB
fsr-3223	505	17	back	back	ADP
fsr-3223	505	18	testing	testing	NOUN
fsr-3223	505	19	and	and	CCONJ
fsr-3223	505	20	to	to	PART
fsr-3223	505	21	determine	determine	VERB
fsr-3223	505	22	which	which	DET
fsr-3223	505	23	index	index	NOUN
fsr-3223	505	24	best	well	ADV
fsr-3223	505	25	fits	fit	VERB
fsr-3223	505	26	their	their	PRON
fsr-3223	505	27	preferred	prefer	VERB
fsr-3223	505	28	glide	glide	NOUN
fsr-3223	505	29	path	path	NOUN
fsr-3223	505	30	.	.	PUNCT
fsr-3223	506	1	all	all	DET
fsr-3223	506	2	indexes	index	NOUN
fsr-3223	506	3	shown	show	VERB
fsr-3223	506	4	in	in	ADP
fsr-3223	506	5	table	table	NOUN
fsr-3223	506	6	3	3	NUM
fsr-3223	506	7	take	take	VERB
fsr-3223	506	8	into	into	ADP
fsr-3223	506	9	account	account	NOUN
fsr-3223	506	10	the	the	DET
fsr-3223	506	11	need	need	NOUN
fsr-3223	506	12	for	for	ADP
fsr-3223	506	13	asset	asset	NOUN
fsr-3223	506	14	protection	protection	NOUN
fsr-3223	506	15	in	in	ADP
fsr-3223	506	16	their	their	PRON
fsr-3223	506	17	design	design	NOUN
fsr-3223	506	18	and	and	CCONJ
fsr-3223	506	19	some	some	DET
fsr-3223	506	20	aim	aim	NOUN
fsr-3223	506	21	to	to	PART
fsr-3223	506	22	benchmark	benchmark	VERB
fsr-3223	506	23	real	real	ADJ
fsr-3223	506	24	returns	return	NOUN
fsr-3223	506	25	close	close	ADJ
fsr-3223	506	26	to	to	ADP
fsr-3223	506	27	and	and	CCONJ
fsr-3223	506	28	during	during	ADP
fsr-3223	506	29	retirement	retirement	NOUN
fsr-3223	506	30	.	.	PUNCT
fsr-3223	507	1	this	this	PRON
fsr-3223	507	2	recognizes	recognize	VERB
fsr-3223	507	3	the	the	DET
fsr-3223	507	4	need	need	NOUN
fsr-3223	507	5	to	to	PART
fsr-3223	507	6	incorporate	incorporate	VERB
fsr-3223	507	7	investor	investor	NOUN
fsr-3223	507	8	risk	risk	NOUN
fsr-3223	507	9	tolerance	tolerance	NOUN
fsr-3223	507	10	and	and	CCONJ
fsr-3223	507	11	volatility	volatility	NOUN
fsr-3223	507	12	of	of	ADP
fsr-3223	507	13	human	human	ADJ
fsr-3223	507	14	capital	capital	NOUN
fsr-3223	507	15	related	relate	VERB
fsr-3223	507	16	cash	cash	NOUN
fsr-3223	507	17	flows	flow	NOUN
fsr-3223	507	18	.	.	PUNCT
fsr-3223	508	1	a	a	DET
fsr-3223	508	2	couple	couple	NOUN
fsr-3223	508	3	of	of	ADP
fsr-3223	508	4	index	index	NOUN
fsr-3223	508	5	sponsors	sponsor	NOUN
fsr-3223	508	6	have	have	AUX
fsr-3223	508	7	started	start	VERB
fsr-3223	508	8	offering	offer	VERB
fsr-3223	508	9	more	more	ADJ
fsr-3223	508	10	than	than	ADP
fsr-3223	508	11	one	one	NUM
fsr-3223	508	12	index	index	NOUN
fsr-3223	508	13	series	series	NOUN
fsr-3223	508	14	for	for	ADP
fsr-3223	508	15	the	the	DET
fsr-3223	508	16	same	same	ADJ
fsr-3223	508	17	target	target	NOUN
fsr-3223	508	18	date	date	NOUN
fsr-3223	508	19	.	.	PUNCT
fsr-3223	509	1	the	the	DET
fsr-3223	509	2	choice	choice	NOUN
fsr-3223	509	3	of	of	ADP
fsr-3223	509	4	a	a	DET
fsr-3223	509	5	particular	particular	ADJ
fsr-3223	509	6	series	series	NOUN
fsr-3223	509	7	incorporates	incorporate	VERB
fsr-3223	509	8	investor	investor	NOUN
fsr-3223	509	9	risk	risk	NOUN
fsr-3223	509	10	preferences	preference	NOUN
fsr-3223	509	11	to	to	ADP
fsr-3223	509	12	some	some	DET
fsr-3223	509	13	extent	extent	NOUN
fsr-3223	509	14	in	in	ADP
fsr-3223	509	15	the	the	DET
fsr-3223	509	16	glide	glide	ADJ
fsr-3223	509	17	path	path	NOUN
fsr-3223	509	18	decision	decision	NOUN
fsr-3223	509	19	.	.	PUNCT
fsr-3223	510	1	a	a	DET
fsr-3223	510	2	word	word	NOUN
fsr-3223	510	3	of	of	ADP
fsr-3223	510	4	caution	caution	NOUN
fsr-3223	510	5	regarding	regard	VERB
fsr-3223	510	6	the	the	DET
fsr-3223	510	7	calculation	calculation	NOUN
fsr-3223	510	8	of	of	ADP
fsr-3223	510	9	returns	return	NOUN
fsr-3223	510	10	,	,	PUNCT
fsr-3223	510	11	index	index	NOUN
fsr-3223	510	12	rebalancing	rebalancing	NOUN
fsr-3223	510	13	and	and	CCONJ
fsr-3223	510	14	reconstitution	reconstitution	NOUN
fsr-3223	510	15	might	might	AUX
fsr-3223	510	16	be	be	AUX
fsr-3223	510	17	appropriate	appropriate	ADJ
fsr-3223	510	18	.	.	PUNCT
fsr-3223	511	1	some	some	DET
fsr-3223	511	2	indexes	index	NOUN
fsr-3223	511	3	report	report	VERB
fsr-3223	511	4	gross	gross	ADJ
fsr-3223	511	5	returns	return	NOUN
fsr-3223	511	6	,	,	PUNCT
fsr-3223	511	7	others	other	NOUN
fsr-3223	511	8	report	report	VERB
fsr-3223	511	9	returns	return	VERB
fsr-3223	511	10	net	net	ADJ
fsr-3223	511	11	of	of	ADP
fsr-3223	511	12	fees	fee	NOUN
fsr-3223	511	13	,	,	PUNCT
fsr-3223	511	14	while	while	SCONJ
fsr-3223	511	15	others	other	NOUN
fsr-3223	511	16	report	report	VERB
fsr-3223	511	17	both	both	PRON
fsr-3223	511	18	.	.	PUNCT
fsr-3223	512	1	the	the	DET
fsr-3223	512	2	influence	influence	NOUN
fsr-3223	512	3	on	on	ADP
fsr-3223	512	4	tracking	track	VERB
fsr-3223	512	5	error	error	NOUN
fsr-3223	512	6	from	from	ADP
fsr-3223	512	7	this	this	DET
fsr-3223	512	8	difference	difference	NOUN
fsr-3223	512	9	in	in	ADP
fsr-3223	512	10	reporting	report	VERB
fsr-3223	512	11	returns	return	NOUN
fsr-3223	512	12	should	should	AUX
fsr-3223	512	13	be	be	AUX
fsr-3223	512	14	recognized	recognize	VERB
fsr-3223	512	15	.	.	PUNCT
fsr-3223	513	1	all	all	DET
fsr-3223	513	2	index	index	NOUN
fsr-3223	513	3	returns	return	NOUN
fsr-3223	513	4	are	be	AUX
fsr-3223	513	5	calculated	calculate	VERB
fsr-3223	513	6	from	from	ADP
fsr-3223	513	7	underlying	underlie	VERB
fsr-3223	513	8	indices	index	NOUN
fsr-3223	513	9	that	that	PRON
fsr-3223	513	10	have	have	VERB
fsr-3223	513	11	their	their	PRON
fsr-3223	513	12	own	own	ADJ
fsr-3223	513	13	rebalancing	rebalancing	NOUN
fsr-3223	513	14	and	and	CCONJ
fsr-3223	513	15	reconstitution	reconstitution	NOUN
fsr-3223	513	16	rules	rule	NOUN
fsr-3223	513	17	.	.	PUNCT
fsr-3223	514	1	the	the	DET
fsr-3223	514	2	impact	impact	NOUN
fsr-3223	514	3	on	on	ADP
fsr-3223	514	4	returns	return	NOUN
fsr-3223	514	5	of	of	ADP
fsr-3223	514	6	this	this	DET
fsr-3223	514	7	fact	fact	NOUN
fsr-3223	514	8	is	be	AUX
fsr-3223	514	9	not	not	PART
fsr-3223	514	10	widely	widely	ADV
fsr-3223	514	11	understood	understand	VERB
fsr-3223	514	12	or	or	CCONJ
fsr-3223	514	13	has	have	AUX
fsr-3223	514	14	been	be	AUX
fsr-3223	514	15	investigated	investigate	VERB
fsr-3223	514	16	by	by	ADP
fsr-3223	514	17	researchers	researcher	NOUN
fsr-3223	514	18	.	.	PUNCT
fsr-3223	515	1	a	a	DET
fsr-3223	515	2	wide	wide	ADJ
fsr-3223	515	3	variation	variation	NOUN
fsr-3223	515	4	in	in	ADP
fsr-3223	515	5	the	the	DET
fsr-3223	515	6	frequency	frequency	NOUN
fsr-3223	515	7	of	of	ADP
fsr-3223	515	8	reconstitution	reconstitution	NOUN
fsr-3223	515	9	and	and	CCONJ
fsr-3223	515	10	rebalancing	rebalancing	NOUN
fsr-3223	515	11	of	of	ADP
fsr-3223	515	12	the	the	DET
fsr-3223	515	13	indexes	index	NOUN
fsr-3223	515	14	is	be	AUX
fsr-3223	515	15	revealed	reveal	VERB
fsr-3223	515	16	in	in	ADP
fsr-3223	515	17	table	table	NOUN
fsr-3223	515	18	3	3	NUM
fsr-3223	515	19	.	.	NOUN
fsr-3223	515	20	time	time	NOUN
fsr-3223	515	21	between	between	ADP
fsr-3223	515	22	reconstitution	reconstitution	NOUN
fsr-3223	515	23	and	and	CCONJ
fsr-3223	515	24	rebalancing	rebalancing	NOUN
fsr-3223	515	25	can	can	AUX
fsr-3223	515	26	range	range	VERB
fsr-3223	515	27	from	from	ADP
fsr-3223	515	28	one	one	NUM
fsr-3223	515	29	month	month	NOUN
fsr-3223	515	30	to	to	ADP
fsr-3223	515	31	one	one	NUM
fsr-3223	515	32	year	year	NOUN
fsr-3223	515	33	.	.	PUNCT
fsr-3223	516	1	too	too	ADV
fsr-3223	516	2	frequent	frequent	ADJ
fsr-3223	516	3	rebalancing	rebalancing	NOUN
fsr-3223	516	4	can	can	AUX
fsr-3223	516	5	be	be	AUX
fsr-3223	516	6	expensive	expensive	ADJ
fsr-3223	516	7	and	and	CCONJ
fsr-3223	516	8	may	may	AUX
fsr-3223	516	9	not	not	PART
fsr-3223	516	10	provide	provide	VERB
fsr-3223	516	11	sufficient	sufficient	ADJ
fsr-3223	516	12	time	time	NOUN
fsr-3223	516	13	to	to	PART
fsr-3223	516	14	benefit	benefit	VERB
fsr-3223	516	15	from	from	ADP
fsr-3223	516	16	trending	trend	VERB
fsr-3223	516	17	markets	market	NOUN
fsr-3223	516	18	,	,	PUNCT
fsr-3223	516	19	while	while	SCONJ
fsr-3223	516	20	a	a	DET
fsr-3223	516	21	period	period	NOUN
fsr-3223	516	22	too	too	ADV
fsr-3223	516	23	long	long	ADV
fsr-3223	516	24	between	between	ADP
fsr-3223	516	25	rebalancing	rebalancing	NOUN
fsr-3223	516	26	may	may	AUX
fsr-3223	516	27	lead	lead	VERB
fsr-3223	516	28	to	to	ADP
fsr-3223	516	29	significant	significant	ADJ
fsr-3223	516	30	deviations	deviation	NOUN
fsr-3223	516	31	from	from	ADP
fsr-3223	516	32	target	target	NOUN
fsr-3223	516	33	asset	asset	NOUN
fsr-3223	516	34	allocations	allocation	NOUN
fsr-3223	516	35	for	for	ADP
fsr-3223	516	36	the	the	DET
fsr-3223	516	37	portfolio	portfolio	NOUN
fsr-3223	516	38	.	.	PUNCT
fsr-3223	517	1	again	again	ADV
fsr-3223	517	2	,	,	PUNCT
fsr-3223	517	3	this	this	PRON
fsr-3223	517	4	has	have	AUX
fsr-3223	517	5	not	not	PART
fsr-3223	517	6	been	be	AUX
fsr-3223	517	7	analyzed	analyze	VERB
fsr-3223	517	8	nor	nor	CCONJ
fsr-3223	517	9	there	there	PRON
fsr-3223	517	10	is	be	VERB
fsr-3223	517	11	a	a	DET
fsr-3223	517	12	consensus	consensus	NOUN
fsr-3223	517	13	among	among	ADP
fsr-3223	517	14	researchers	researcher	NOUN
fsr-3223	517	15	on	on	ADP
fsr-3223	517	16	an	an	DET
fsr-3223	517	17	optimal	optimal	ADJ
fsr-3223	517	18	time	time	NOUN
fsr-3223	517	19	between	between	ADP
fsr-3223	517	20	rebalancing	rebalancing	NOUN
fsr-3223	517	21	and	and	CCONJ
fsr-3223	517	22	reconstitution	reconstitution	NOUN
fsr-3223	517	23	.	.	PUNCT
fsr-3223	518	1	with	with	ADP
fsr-3223	518	2	respect	respect	NOUN
fsr-3223	518	3	to	to	ADP
fsr-3223	518	4	the	the	DET
fsr-3223	518	5	seven	seven	NUM
fsr-3223	518	6	properties	property	NOUN
fsr-3223	518	7	of	of	ADP
fsr-3223	518	8	a	a	DET
fsr-3223	518	9	valid	valid	ADJ
fsr-3223	518	10	benchmark	benchmark	NOUN
fsr-3223	518	11	,	,	PUNCT
fsr-3223	518	12	none	none	NOUN
fsr-3223	518	13	of	of	ADP
fsr-3223	518	14	the	the	DET
fsr-3223	518	15	indexes	index	NOUN
fsr-3223	518	16	meets	meet	VERB
fsr-3223	518	17	all	all	DET
fsr-3223	518	18	seven	seven	NUM
fsr-3223	518	19	.	.	PUNCT
fsr-3223	519	1	the	the	DET
fsr-3223	519	2	efficacy	efficacy	NOUN
fsr-3223	519	3	of	of	ADP
fsr-3223	519	4	target	target	NOUN
fsr-3223	519	5	date	date	NOUN
fsr-3223	519	6	indexes	index	NOUN
fsr-3223	519	7	is	be	AUX
fsr-3223	519	8	undermined	undermine	VERB
fsr-3223	519	9	by	by	ADP
fsr-3223	519	10	the	the	DET
fsr-3223	519	11	fact	fact	NOUN
fsr-3223	519	12	that	that	SCONJ
fsr-3223	519	13	they	they	PRON
fsr-3223	519	14	are	be	AUX
fsr-3223	519	15	indexes	index	NOUN
fsr-3223	519	16	derived	derive	VERB
fsr-3223	519	17	from	from	ADP
fsr-3223	519	18	other	other	ADJ
fsr-3223	519	19	indexes	index	NOUN
fsr-3223	519	20	.	.	PUNCT
fsr-3223	520	1	all	all	DET
fsr-3223	520	2	six	six	NUM
fsr-3223	520	3	indexes	index	NOUN
fsr-3223	520	4	are	be	AUX
fsr-3223	520	5	measurable	measurable	ADJ
fsr-3223	520	6	and	and	CCONJ
fsr-3223	520	7	given	give	VERB
fsr-3223	520	8	sufficient	sufficient	ADJ
fsr-3223	520	9	information	information	NOUN
fsr-3223	520	10	,	,	PUNCT
fsr-3223	520	11	the	the	DET
fsr-3223	520	12	manager	manager	NOUN
fsr-3223	520	13	whose	whose	DET
fsr-3223	520	14	portfolio	portfolio	NOUN
fsr-3223	520	15	is	be	AUX
fsr-3223	520	16	benchmarked	benchmarke	VERB
fsr-3223	520	17	can	can	AUX
fsr-3223	520	18	agree	agree	VERB
fsr-3223	520	19	to	to	PART
fsr-3223	520	20	be	be	AUX
fsr-3223	520	21	accountable	accountable	ADJ
fsr-3223	520	22	to	to	ADP
fsr-3223	520	23	any	any	PRON
fsr-3223	520	24	of	of	ADP
fsr-3223	520	25	the	the	DET
fsr-3223	520	26	six	six	NUM
fsr-3223	520	27	benchmarks	benchmark	NOUN
fsr-3223	520	28	.	.	PUNCT
fsr-3223	521	1	indexes	index	NOUN
fsr-3223	521	2	based	base	VERB
fsr-3223	521	3	on	on	ADP
fsr-3223	521	4	consensus	consensus	NOUN
fsr-3223	521	5	can	can	AUX
fsr-3223	521	6	not	not	PART
fsr-3223	521	7	be	be	AUX
fsr-3223	521	8	specified	specify	VERB
fsr-3223	521	9	in	in	ADP
fsr-3223	521	10	advance	advance	NOUN
fsr-3223	521	11	and	and	CCONJ
fsr-3223	521	12	,	,	PUNCT
fsr-3223	521	13	therefore	therefore	ADV
fsr-3223	521	14	,	,	PUNCT
fsr-3223	521	15	are	be	AUX
fsr-3223	521	16	not	not	PART
fsr-3223	521	17	investable	investable	ADJ
fsr-3223	521	18	.	.	PUNCT
fsr-3223	522	1	similarly	similarly	ADV
fsr-3223	522	2	,	,	PUNCT
fsr-3223	522	3	equal	equal	ADJ
fsr-3223	522	4	weighted	weight	VERB
fsr-3223	522	5	indexes	index	NOUN
fsr-3223	522	6	do	do	AUX
fsr-3223	522	7	not	not	PART
fsr-3223	522	8	represent	represent	VERB
fsr-3223	522	9	the	the	DET
fsr-3223	522	10	underlying	underlie	VERB
fsr-3223	522	11	market	market	NOUN
fsr-3223	522	12	and	and	CCONJ
fsr-3223	522	13	are	be	AUX
fsr-3223	522	14	technically	technically	ADV
fsr-3223	522	15	not	not	PART
fsr-3223	522	16	investable	investable	ADJ
fsr-3223	522	17	.	.	PUNCT
fsr-3223	523	1	benchmarks	benchmark	NOUN
fsr-3223	523	2	based	base	VERB
fsr-3223	523	3	on	on	ADP
fsr-3223	523	4	proprietary	proprietary	ADJ
fsr-3223	523	5	algorithms	algorithm	NOUN
fsr-3223	523	6	and	and	CCONJ
fsr-3223	523	7	rebalancing	rebalancing	NOUN
fsr-3223	523	8	methodologies	methodology	NOUN
fsr-3223	523	9	that	that	PRON
fsr-3223	523	10	are	be	AUX
fsr-3223	523	11	not	not	PART
fsr-3223	523	12	clearly	clearly	ADV
fsr-3223	523	13	disclosed	disclose	VERB
fsr-3223	523	14	,	,	PUNCT
fsr-3223	523	15	or	or	CCONJ
fsr-3223	523	16	understood	understand	VERB
fsr-3223	523	17	,	,	PUNCT
fsr-3223	523	18	do	do	AUX
fsr-3223	523	19	not	not	PART
fsr-3223	523	20	meet	meet	VERB
fsr-3223	523	21	the	the	DET
fsr-3223	523	22	unambiguous	unambiguous	ADJ
fsr-3223	523	23	criteria	criterion	NOUN
fsr-3223	523	24	.	.	PUNCT
fsr-3223	524	1	arguably	arguably	ADV
fsr-3223	524	2	,	,	PUNCT
fsr-3223	524	3	a	a	DET
fsr-3223	524	4	benchmark	benchmark	NOUN
fsr-3223	524	5	that	that	PRON
fsr-3223	524	6	attempts	attempt	VERB
fsr-3223	524	7	to	to	PART
fsr-3223	524	8	incorporate	incorporate	VERB
fsr-3223	524	9	investor	investor	NOUN
fsr-3223	524	10	risk	risk	NOUN
fsr-3223	524	11	preferences	preference	NOUN
fsr-3223	524	12	is	be	AUX
fsr-3223	524	13	more	more	ADV
fsr-3223	524	14	252	252	NUM
fsr-3223	524	15	s.	s.	PROPN
fsr-3223	524	16	singh	singh	PROPN
fsr-3223	524	17	/	/	SYM
fsr-3223	524	18	financial	financial	ADJ
fsr-3223	524	19	services	service	NOUN
fsr-3223	524	20	review	review	VERB
fsr-3223	524	21	25	25	NUM
fsr-3223	524	22	(	(	PUNCT
fsr-3223	524	23	2016	2016	NUM
fsr-3223	524	24	)	)	PUNCT
fsr-3223	524	25	235–262	235–262	NUM
fsr-3223	524	26	t	t	PROPN
fsr-3223	524	27	ab	ab	X
fsr-3223	524	28	le	le	PROPN
fsr-3223	524	29	3	3	NUM
fsr-3223	524	30	t	t	PROPN
fsr-3223	524	31	ar	ar	PROPN
fsr-3223	524	32	ge	ge	PROPN
fsr-3223	524	33	tda	tda	PROPN
fsr-3223	524	34	te	te	PROPN
fsr-3223	524	35	fu	fu	PROPN
fsr-3223	524	36	nd	nd	INTJ
fsr-3223	524	37	in	in	ADP
fsr-3223	524	38	de	de	PROPN
fsr-3223	524	39	xe	xe	PROPN
fsr-3223	524	40	s	s	PROPN
fsr-3223	524	41	fe	fe	NOUN
fsr-3223	524	42	at	at	ADP
fsr-3223	524	43	ur	ur	INTJ
fsr-3223	524	44	es	es	X
fsr-3223	524	45	in	in	ADP
fsr-3223	524	46	de	de	PROPN
fsr-3223	524	47	xe	xe	PROPN
fsr-3223	524	48	s	s	PROPN
fsr-3223	524	49	c	c	NOUN
fsr-3223	524	50	ha	ha	INTJ
fsr-3223	525	1	ra	ra	INTJ
fsr-3223	525	2	ct	ct	INTJ
fsr-3223	525	3	er	er	INTJ
fsr-3223	525	4	is	be	AUX
fsr-3223	525	5	tic	tic	ADJ
fsr-3223	525	6	sa	sa	PROPN
fsr-3223	525	7	c	c	PROPN
fsr-3223	525	8	al	al	PROPN
fsr-3223	525	9	la	la	PROPN
fsr-3223	525	10	n	n	PROPN
fsr-3223	526	1	d	d	NOUN
fsr-3223	526	2	ow	ow	INTJ
fsr-3223	526	3	jo	jo	PROPN
fsr-3223	526	4	ne	ne	PROPN
fsr-3223	526	5	s	s	PROPN
fsr-3223	526	6	r	r	NOUN
fsr-3223	526	7	ea	ea	NOUN
fsr-3223	526	8	l	l	NOUN
fsr-3223	526	9	r	r	NOUN
fsr-3223	526	10	et	et	NOUN
fsr-3223	526	11	ur	ur	INTJ
fsr-3223	527	1	n	n	PROPN
fsr-3223	527	2	d	d	NOUN
fsr-3223	527	3	ow	ow	INTJ
fsr-3223	527	4	jo	jo	PROPN
fsr-3223	527	5	ne	ne	PROPN
fsr-3223	527	6	s	s	PROPN
fsr-3223	527	7	g	g	PROPN
fsr-3223	528	1	lo	lo	PROPN
fsr-3223	528	2	ba	ba	PROPN
fsr-3223	528	3	l	l	PROPN
fsr-3223	529	1	d	d	NOUN
fsr-3223	529	2	ow	ow	INTJ
fsr-3223	529	3	jo	jo	PROPN
fsr-3223	529	4	ne	ne	PROPN
fsr-3223	529	5	s	s	PROPN
fsr-3223	529	6	u	u	NOUN
fsr-3223	529	7	.s	.s	NOUN
fsr-3223	529	8	.	.	PUNCT
fsr-3223	530	1	m	m	VERB
fsr-3223	530	2	or	or	CCONJ
fsr-3223	530	3	ni	ni	PROPN
fsr-3223	530	4	ng	ng	PROPN
fsr-3223	530	5	st	st	PROPN
fsr-3223	530	6	ar	ar	PROPN
fsr-3223	530	7	l	l	PROPN
fsr-3223	530	8	if	if	SCONJ
fsr-3223	530	9	et	et	PROPN
fsr-3223	530	10	i	i	NOUN
fsr-3223	530	11	m	m	VERB
fsr-3223	530	12	e	e	NOUN
fsr-3223	530	13	s	s	PROPN
fsr-3223	530	14	&	&	CCONJ
fsr-3223	530	15	p	p	PROPN
fsr-3223	530	16	t	t	PROPN
fsr-3223	530	17	ar	ar	PROPN
fsr-3223	530	18	ge	ge	PROPN
fsr-3223	530	19	t	t	PROPN
fsr-3223	531	1	d	d	PROPN
fsr-3223	531	2	at	at	ADP
fsr-3223	531	3	e	e	PROPN
fsr-3223	531	4	in	in	ADP
fsr-3223	531	5	de	de	X
fsr-3223	531	6	x	x	PROPN
fsr-3223	531	7	t	t	PROPN
fsr-3223	531	8	d	d	PROPN
fsr-3223	531	9	a	a	DET
fsr-3223	531	10	o	o	PROPN
fsr-3223	531	11	n	n	ADP
fsr-3223	531	12	t	t	PROPN
fsr-3223	531	13	ar	ar	PROPN
fsr-3223	531	14	ge	ge	PROPN
fsr-3223	531	15	t	t	PROPN
fsr-3223	531	16	in	in	ADP
fsr-3223	531	17	de	de	PROPN
fsr-3223	531	18	xe	xe	PROPN
fsr-3223	531	19	s	s	PROPN
fsr-3223	531	20	r	r	NOUN
fsr-3223	531	21	is	be	AUX
fsr-3223	531	22	k	k	PROPN
fsr-3223	531	23	pr	pr	PROPN
fsr-3223	531	24	ofi	ofi	PROPN
fsr-3223	531	25	le	le	PROPN
fsr-3223	531	26	va	va	PROPN
fsr-3223	531	27	ri	ri	PROPN
fsr-3223	531	28	et	et	PROPN
fsr-3223	531	29	y	y	PROPN
fsr-3223	531	30	1	1	NUM
fsr-3223	531	31	1	1	NUM
fsr-3223	531	32	1	1	NUM
fsr-3223	531	33	1	1	NUM
fsr-3223	531	34	3	3	NUM
fsr-3223	531	35	1	1	NUM
fsr-3223	531	36	4	4	NUM
fsr-3223	531	37	g	g	NOUN
fsr-3223	531	38	lid	lid	NOUN
fsr-3223	531	39	e	e	X
fsr-3223	531	40	pa	pa	PROPN
fsr-3223	531	41	th	th	X
fsr-3223	531	42	s	s	PROPN
fsr-3223	531	43	c	c	NOUN
fsr-3223	531	44	on	on	ADV
fsr-3223	531	45	se	se	INTJ
fsr-3223	531	46	ns	ns	NUM
fsr-3223	531	47	us	us	PROPN
fsr-3223	531	48	dr	dr	PROPN
fsr-3223	531	49	iv	iv	NUM
fsr-3223	531	50	en	en	PROPN
fsr-3223	531	51	c	c	X
fsr-3223	531	52	os	os	NOUN
fsr-3223	531	53	in	in	ADP
fsr-3223	531	54	e	e	PROPN
fsr-3223	531	55	cu	cu	PROPN
fsr-3223	531	56	rv	rv	PROPN
fsr-3223	531	57	e	e	PROPN
fsr-3223	531	58	ba	ba	PROPN
fsr-3223	531	59	se	se	PROPN
fsr-3223	532	1	d	d	PROPN
fsr-3223	532	2	c	c	X
fsr-3223	532	3	os	os	NOUN
fsr-3223	532	4	in	in	ADP
fsr-3223	532	5	e	e	PROPN
fsr-3223	532	6	cu	cu	PROPN
fsr-3223	532	7	rv	rv	PROPN
fsr-3223	532	8	e	e	PROPN
fsr-3223	532	9	ba	ba	PROPN
fsr-3223	532	10	se	se	PROPN
fsr-3223	533	1	d	d	PROPN
fsr-3223	533	2	c	c	X
fsr-3223	533	3	os	os	NOUN
fsr-3223	533	4	in	in	ADP
fsr-3223	533	5	e	e	PROPN
fsr-3223	533	6	cu	cu	PROPN
fsr-3223	533	7	rv	rv	PROPN
fsr-3223	533	8	e	e	PROPN
fsr-3223	533	9	ba	ba	PROPN
fsr-3223	533	10	se	se	PROPN
fsr-3223	534	1	d	d	PROPN
fsr-3223	534	2	h	h	INTJ
fsr-3223	535	1	um	um	INTJ
fsr-3223	535	2	an	an	DET
fsr-3223	535	3	ca	ca	NOUN
fsr-3223	535	4	pi	pi	NOUN
fsr-3223	535	5	ta	ta	ADP
fsr-3223	535	6	l	l	NOUN
fsr-3223	536	1	an	an	PROPN
fsr-3223	536	2	d	d	X
fsr-3223	536	3	lia	lia	PROPN
fsr-3223	536	4	bi	bi	PROPN
fsr-3223	536	5	lit	light	VERB
fsr-3223	536	6	y	y	PROPN
fsr-3223	536	7	dr	dr	PROPN
fsr-3223	536	8	iv	iv	X
fsr-3223	536	9	en	en	PROPN
fsr-3223	536	10	c	c	PROPN
fsr-3223	536	11	on	on	ADV
fsr-3223	536	12	se	se	INTJ
fsr-3223	536	13	ns	ns	NUM
fsr-3223	536	14	us	us	PROPN
fsr-3223	536	15	dr	dr	PROPN
fsr-3223	536	16	iv	iv	NUM
fsr-3223	536	17	en	en	ADP
fsr-3223	536	18	l	l	PROPN
fsr-3223	536	19	os	os	NOUN
fsr-3223	536	20	s	s	VERB
fsr-3223	536	21	pr	pr	NOUN
fsr-3223	536	22	ob	ob	INTJ
fsr-3223	536	23	ab	ab	PROPN
fsr-3223	536	24	ili	ili	PROPN
fsr-3223	537	1	ty	ty	INTJ
fsr-3223	537	2	dr	dr	PROPN
fsr-3223	537	3	iv	iv	X
fsr-3223	537	4	en	en	INTJ
fsr-3223	537	5	m	m	PROPN
fsr-3223	537	6	od	od	PROPN
fsr-3223	537	7	el	el	PROPN
fsr-3223	537	8	a	a	PRON
fsr-3223	537	9	ss	ss	NOUN
fsr-3223	537	10	et	et	NOUN
fsr-3223	537	11	cl	cl	NOUN
fsr-3223	537	12	as	as	ADP
fsr-3223	537	13	se	se	PROPN
fsr-3223	537	14	sb	sb	PROPN
fsr-3223	537	15	4	4	NUM
fsr-3223	537	16	4	4	NUM
fsr-3223	537	17	3	3	NUM
fsr-3223	537	18	3	3	NUM
fsr-3223	537	19	4	4	NUM
fsr-3223	537	20	4	4	NUM
fsr-3223	537	21	4	4	NUM
fsr-3223	537	22	in	in	ADP
fsr-3223	537	23	fla	fla	PROPN
fsr-3223	537	24	tio	tio	PROPN
fsr-3223	537	25	n	n	PRON
fsr-3223	537	26	pr	pr	NOUN
fsr-3223	538	1	ot	ot	INTJ
fsr-3223	538	2	ec	ec	PROPN
fsr-3223	538	3	tio	tio	NOUN
fsr-3223	538	4	n	n	ADV
fsr-3223	538	5	r	r	NOUN
fsr-3223	538	6	e	e	X
fsr-3223	539	1	it	it	PRON
fsr-3223	539	2	s	s	VERB
fsr-3223	539	3	,	,	PUNCT
fsr-3223	539	4	c	c	PROPN
fsr-3223	539	5	om	om	PROPN
fsr-3223	539	6	m	m	PROPN
fsr-3223	539	7	od	od	PROPN
fsr-3223	539	8	iti	iti	PROPN
fsr-3223	539	9	es	es	PROPN
fsr-3223	539	10	,	,	PUNCT
fsr-3223	539	11	an	an	DET
fsr-3223	539	12	d	d	NOUN
fsr-3223	539	13	t	t	NOUN
fsr-3223	539	14	ip	ip	NOUN
fsr-3223	539	15	s	s	PART
fsr-3223	539	16	r	r	NOUN
fsr-3223	539	17	e	e	X
fsr-3223	539	18	it	it	PRON
fsr-3223	539	19	s	s	VERB
fsr-3223	539	20	,	,	PUNCT
fsr-3223	539	21	c	c	PROPN
fsr-3223	539	22	om	om	PROPN
fsr-3223	539	23	m	m	PROPN
fsr-3223	539	24	od	od	PROPN
fsr-3223	539	25	iti	iti	PROPN
fsr-3223	539	26	es	es	PROPN
fsr-3223	539	27	,	,	PUNCT
fsr-3223	539	28	an	an	DET
fsr-3223	539	29	d	d	NOUN
fsr-3223	539	30	t	t	NOUN
fsr-3223	539	31	ip	ip	NOUN
fsr-3223	539	32	s	s	NOUN
fsr-3223	539	33	n	n	PRON
fsr-3223	539	34	o	o	NOUN
fsr-3223	539	35	sp	sp	ADP
fsr-3223	540	1	ec	ec	PROPN
fsr-3223	540	2	ifi	ifi	PROPN
fsr-3223	540	3	c	c	PROPN
fsr-3223	540	4	al	al	PROPN
fsr-3223	540	5	lo	lo	PROPN
fsr-3223	540	6	ca	can	AUX
fsr-3223	540	7	tio	tio	VERB
fsr-3223	540	8	n.	n.	PROPN
fsr-3223	540	9	t	t	PROPN
fsr-3223	541	1	hr	hr	PROPN
fsr-3223	542	1	ou	ou	PROPN
fsr-3223	543	1	gh	gh	PROPN
fsr-3223	543	2	un	un	PROPN
fsr-3223	543	3	de	de	PROPN
fsr-3223	543	4	rl	rl	PROPN
fsr-3223	543	5	yi	yi	PROPN
fsr-3223	543	6	ng	ng	PROPN
fsr-3223	543	7	in	in	ADP
fsr-3223	543	8	de	de	PROPN
fsr-3223	543	9	xe	xe	PROPN
fsr-3223	543	10	s.	s.	PROPN
fsr-3223	543	11	n	n	PROPN
fsr-3223	543	12	o	o	PROPN
fsr-3223	543	13	sp	sp	ADP
fsr-3223	543	14	ec	ec	PROPN
fsr-3223	543	15	ifi	ifi	PROPN
fsr-3223	543	16	c	c	PROPN
fsr-3223	543	17	al	al	PROPN
fsr-3223	543	18	lo	lo	PROPN
fsr-3223	543	19	ca	can	AUX
fsr-3223	543	20	tio	tio	VERB
fsr-3223	543	21	n.	n.	PROPN
fsr-3223	543	22	t	t	PROPN
fsr-3223	544	1	hr	hr	PROPN
fsr-3223	545	1	ou	ou	PROPN
fsr-3223	546	1	gh	gh	PROPN
fsr-3223	546	2	un	un	PROPN
fsr-3223	546	3	de	de	PROPN
fsr-3223	546	4	rl	rl	PROPN
fsr-3223	546	5	yi	yi	PROPN
fsr-3223	546	6	ng	ng	PROPN
fsr-3223	546	7	in	in	ADP
fsr-3223	546	8	de	de	PROPN
fsr-3223	546	9	xe	xe	PROPN
fsr-3223	546	10	s.	s.	PROPN
fsr-3223	546	11	t	t	PROPN
fsr-3223	546	12	ip	ip	NOUN
fsr-3223	546	13	s	s	VERB
fsr-3223	546	14	an	an	DET
fsr-3223	546	15	d	d	X
fsr-3223	546	16	c	c	NOUN
fsr-3223	546	17	om	om	PROPN
fsr-3223	546	18	m	m	PROPN
fsr-3223	546	19	od	od	PROPN
fsr-3223	546	20	iti	iti	PROPN
fsr-3223	546	21	es	es	ADP
fsr-3223	546	22	r	r	NOUN
fsr-3223	546	23	e	e	X
fsr-3223	546	24	it	it	PRON
fsr-3223	546	25	s	s	VERB
fsr-3223	546	26	,	,	PUNCT
fsr-3223	546	27	c	c	PROPN
fsr-3223	546	28	om	om	PROPN
fsr-3223	546	29	m	m	PROPN
fsr-3223	546	30	od	od	PROPN
fsr-3223	546	31	iti	iti	PROPN
fsr-3223	546	32	es	es	PROPN
fsr-3223	546	33	,	,	PUNCT
fsr-3223	546	34	an	an	DET
fsr-3223	546	35	d	d	NOUN
fsr-3223	546	36	t	t	NOUN
fsr-3223	546	37	ip	ip	NOUN
fsr-3223	546	38	s	s	PART
fsr-3223	546	39	r	r	NOUN
fsr-3223	546	40	e	e	X
fsr-3223	546	41	it	it	PRON
fsr-3223	546	42	s	s	VERB
fsr-3223	546	43	,	,	PUNCT
fsr-3223	546	44	c	c	PROPN
fsr-3223	546	45	om	om	PROPN
fsr-3223	546	46	m	m	PROPN
fsr-3223	546	47	od	od	PROPN
fsr-3223	546	48	iti	iti	PROPN
fsr-3223	546	49	es	es	PROPN
fsr-3223	546	50	,	,	PUNCT
fsr-3223	546	51	an	an	DET
fsr-3223	546	52	d	d	NOUN
fsr-3223	546	53	t	t	NOUN
fsr-3223	546	54	ip	ip	NOUN
fsr-3223	546	55	s	s	PART
fsr-3223	546	56	r	r	NOUN
fsr-3223	546	57	eb	eb	PROPN
fsr-3223	546	58	al	al	PROPN
fsr-3223	546	59	an	an	DET
fsr-3223	546	60	ci	ci	PROPN
fsr-3223	546	61	ng	ng	PROPN
fsr-3223	546	62	a	a	PRON
fsr-3223	546	63	nn	nn	PROPN
fsr-3223	546	64	ua	ua	PROPN
fsr-3223	546	65	l	l	PROPN
fsr-3223	546	66	se	se	PROPN
fsr-3223	546	67	m	m	PROPN
fsr-3223	547	1	ian	ian	PROPN
fsr-3223	547	2	nu	nu	PROPN
fsr-3223	547	3	al	al	PROPN
fsr-3223	547	4	m	m	PROPN
fsr-3223	547	5	on	on	ADP
fsr-3223	547	6	th	th	INTJ
fsr-3223	547	7	ly	ly	ADP
fsr-3223	547	8	m	m	NOUN
fsr-3223	547	9	on	on	ADP
fsr-3223	547	10	th	th	PRON
fsr-3223	547	11	ly	ly	X
fsr-3223	547	12	q	q	PROPN
fsr-3223	547	13	ua	ua	INTJ
fsr-3223	548	1	rt	rt	INTJ
fsr-3223	548	2	er	er	INTJ
fsr-3223	548	3	ly	ly	VERB
fsr-3223	548	4	m	m	PROPN
fsr-3223	548	5	on	on	ADP
fsr-3223	548	6	th	th	INTJ
fsr-3223	548	7	ly	ly	ADP
fsr-3223	548	8	m	m	NOUN
fsr-3223	548	9	on	on	ADP
fsr-3223	548	10	th	th	INTJ
fsr-3223	548	11	ly	ly	X
fsr-3223	548	12	in	in	ADP
fsr-3223	548	13	de	de	X
fsr-3223	548	14	x	x	X
fsr-3223	548	15	re	re	X
fsr-3223	548	16	co	co	X
fsr-3223	548	17	ns	ns	PROPN
fsr-3223	548	18	tit	tit	PROPN
fsr-3223	548	19	ut	ut	PROPN
fsr-3223	548	20	io	io	PROPN
fsr-3223	548	21	n	n	PROPN
fsr-3223	548	22	a	a	PRON
fsr-3223	548	23	nn	nn	X
fsr-3223	548	24	ua	ua	PROPN
fsr-3223	548	25	l	l	PROPN
fsr-3223	548	26	se	se	PROPN
fsr-3223	548	27	m	m	PROPN
fsr-3223	548	28	ian	ian	PROPN
fsr-3223	548	29	nu	nu	PROPN
fsr-3223	548	30	al	al	PROPN
fsr-3223	548	31	m	m	PROPN
fsr-3223	548	32	on	on	ADP
fsr-3223	548	33	th	th	INTJ
fsr-3223	548	34	ly	ly	ADP
fsr-3223	548	35	m	m	NOUN
fsr-3223	548	36	on	on	ADP
fsr-3223	548	37	th	th	INTJ
fsr-3223	548	38	ly	ly	ADP
fsr-3223	548	39	a	a	DET
fsr-3223	548	40	nn	nn	X
fsr-3223	548	41	ua	ua	PROPN
fsr-3223	548	42	l	l	PROPN
fsr-3223	548	43	a	a	DET
fsr-3223	548	44	nn	nn	PROPN
fsr-3223	548	45	ua	ua	PROPN
fsr-3223	548	46	l	l	PROPN
fsr-3223	548	47	m	m	VERB
fsr-3223	548	48	on	on	ADP
fsr-3223	548	49	th	th	INTJ
fsr-3223	548	50	ly	ly	ADP
fsr-3223	548	51	u	u	PROPN
fsr-3223	548	52	nd	nd	ADV
fsr-3223	548	53	er	er	INTJ
fsr-3223	548	54	ly	ly	X
fsr-3223	549	1	in	in	ADP
fsr-3223	549	2	g	g	PROPN
fsr-3223	549	3	in	in	ADP
fsr-3223	549	4	de	de	PROPN
fsr-3223	549	5	xe	xe	PROPN
fsr-3223	549	6	s	s	PROPN
fsr-3223	549	7	m	m	VERB
fsr-3223	549	8	et	et	NOUN
fsr-3223	549	9	ho	ho	PROPN
fsr-3223	549	10	do	do	AUX
fsr-3223	549	11	lo	lo	PROPN
fsr-3223	549	12	gy	gy	PROPN
fsr-3223	549	13	v	v	PROPN
fsr-3223	549	14	ar	ar	PROPN
fsr-3223	549	15	io	io	X
fsr-3223	549	16	us	us	PROPN
fsr-3223	549	17	e	e	PROPN
fsr-3223	549	18	qu	qu	PROPN
fsr-3223	549	19	al	al	PROPN
fsr-3223	549	20	w	w	PROPN
fsr-3223	549	21	ei	ei	PROPN
fsr-3223	549	22	gh	gh	PROPN
fsr-3223	549	23	te	te	PROPN
fsr-3223	549	24	d	d	PROPN
fsr-3223	549	25	e	e	PROPN
fsr-3223	549	26	qu	qu	PROPN
fsr-3223	549	27	al	al	PROPN
fsr-3223	549	28	w	w	PROPN
fsr-3223	549	29	ei	ei	PROPN
fsr-3223	549	30	gh	gh	PROPN
fsr-3223	549	31	te	te	PROPN
fsr-3223	549	32	d	d	PROPN
fsr-3223	549	33	e	e	PROPN
fsr-3223	549	34	qu	qu	PROPN
fsr-3223	549	35	al	al	PROPN
fsr-3223	549	36	w	w	PROPN
fsr-3223	549	37	ei	ei	PROPN
fsr-3223	549	38	gh	gh	PROPN
fsr-3223	549	39	te	te	PROPN
fsr-3223	549	40	d	d	PROPN
fsr-3223	549	41	c	c	PROPN
fsr-3223	549	42	ap	ap	PROPN
fsr-3223	549	43	w	w	PROPN
fsr-3223	549	44	ei	ei	PROPN
fsr-3223	549	45	gh	gh	PROPN
fsr-3223	549	46	te	te	PROPN
fsr-3223	549	47	dc	dc	PROPN
fsr-3223	550	1	c	c	PROPN
fsr-3223	550	2	ap	ap	PROPN
fsr-3223	551	1	w	w	PROPN
fsr-3223	551	2	ei	ei	PROPN
fsr-3223	551	3	gh	gh	PROPN
fsr-3223	551	4	te	te	PROPN
fsr-3223	551	5	d	d	PROPN
fsr-3223	551	6	v	v	PROPN
fsr-3223	551	7	ar	ar	PROPN
fsr-3223	551	8	io	io	PROPN
fsr-3223	551	9	us	us	PROPN
fsr-3223	551	10	u	u	INTJ
fsr-3223	551	11	nd	nd	ADV
fsr-3223	551	12	er	er	INTJ
fsr-3223	551	13	ly	ly	X
fsr-3223	551	14	in	in	ADP
fsr-3223	551	15	g	g	PROPN
fsr-3223	551	16	in	in	ADP
fsr-3223	551	17	de	de	PROPN
fsr-3223	551	18	xe	xe	PROPN
fsr-3223	551	19	s	s	PART
fsr-3223	551	20	re	re	X
fsr-3223	551	21	co	co	X
fsr-3223	551	22	ns	ns	PROPN
fsr-3223	551	23	tit	tit	PROPN
fsr-3223	551	24	ut	ut	PROPN
fsr-3223	551	25	io	io	PROPN
fsr-3223	552	1	n	n	PROPN
fsr-3223	552	2	m	m	VERB
fsr-3223	552	3	et	et	NOUN
fsr-3223	552	4	ho	ho	PROPN
fsr-3223	552	5	d	d	PROPN
fsr-3223	552	6	v	v	PROPN
fsr-3223	552	7	ar	ar	PROPN
fsr-3223	552	8	io	io	PROPN
fsr-3223	552	9	us	us	PROPN
fsr-3223	552	10	pr	pr	VERB
fsr-3223	552	11	op	op	PROPN
fsr-3223	552	12	ri	ri	PROPN
fsr-3223	552	13	et	et	PROPN
fsr-3223	552	14	ar	ar	PROPN
fsr-3223	552	15	y	y	PROPN
fsr-3223	552	16	pr	pr	VERB
fsr-3223	552	17	op	op	PROPN
fsr-3223	552	18	ri	ri	PROPN
fsr-3223	552	19	et	et	PROPN
fsr-3223	552	20	ar	ar	PROPN
fsr-3223	552	21	y	y	PROPN
fsr-3223	552	22	pr	pr	VERB
fsr-3223	552	23	op	op	PROPN
fsr-3223	552	24	ri	ri	PROPN
fsr-3223	552	25	et	et	PROPN
fsr-3223	552	26	ar	ar	PROPN
fsr-3223	552	27	y	y	PROPN
fsr-3223	552	28	pr	pr	VERB
fsr-3223	552	29	op	op	PROPN
fsr-3223	552	30	ri	ri	PROPN
fsr-3223	552	31	et	et	PROPN
fsr-3223	552	32	ar	ar	PROPN
fsr-3223	553	1	y	y	PROPN
fsr-3223	553	2	c	c	PROPN
fsr-3223	554	1	om	om	PROPN
fsr-3223	554	2	m	m	NOUN
fsr-3223	554	3	itt	itt	INTJ
fsr-3223	554	4	ee	ee	PROPN
fsr-3223	554	5	v	v	NUM
fsr-3223	554	6	ar	ar	PROPN
fsr-3223	554	7	io	io	PROPN
fsr-3223	554	8	us	us	PROPN
fsr-3223	554	9	u	u	INTJ
fsr-3223	554	10	nd	nd	ADV
fsr-3223	554	11	er	er	INTJ
fsr-3223	554	12	ly	ly	X
fsr-3223	554	13	in	in	ADP
fsr-3223	554	14	g	g	PROPN
fsr-3223	554	15	co	co	NOUN
fsr-3223	554	16	m	m	PROPN
fsr-3223	554	17	po	po	NOUN
fsr-3223	554	18	ne	ne	PROPN
fsr-3223	554	19	nt	nt	PROPN
fsr-3223	554	20	s	s	PROPN
fsr-3223	554	21	v	v	NUM
fsr-3223	554	22	ar	ar	PROPN
fsr-3223	554	23	io	io	X
fsr-3223	554	24	us	us	PROPN
fsr-3223	555	1	d	d	X
fsr-3223	555	2	ow	ow	INTJ
fsr-3223	555	3	jo	jo	PROPN
fsr-3223	555	4	ne	ne	PROPN
fsr-3223	555	5	s	s	PROPN
fsr-3223	555	6	in	in	ADP
fsr-3223	555	7	de	de	PROPN
fsr-3223	555	8	xe	xe	PROPN
fsr-3223	555	9	s	s	PROPN
fsr-3223	555	10	d	d	X
fsr-3223	555	11	ow	ow	PROPN
fsr-3223	555	12	jo	jo	PROPN
fsr-3223	555	13	ne	ne	PROPN
fsr-3223	555	14	s	s	PROPN
fsr-3223	555	15	in	in	ADP
fsr-3223	555	16	de	de	PROPN
fsr-3223	555	17	xe	xe	PROPN
fsr-3223	555	18	s	s	PROPN
fsr-3223	555	19	d	d	X
fsr-3223	555	20	ow	ow	PROPN
fsr-3223	555	21	jo	jo	PROPN
fsr-3223	555	22	ne	ne	PROPN
fsr-3223	555	23	s	s	PROPN
fsr-3223	555	24	in	in	ADP
fsr-3223	555	25	de	de	PROPN
fsr-3223	555	26	xe	xe	PROPN
fsr-3223	555	27	s	s	PROPN
fsr-3223	555	28	m	m	PROPN
fsr-3223	555	29	or	or	CCONJ
fsr-3223	555	30	ni	ni	PROPN
fsr-3223	555	31	ng	ng	PROPN
fsr-3223	555	32	st	st	PROPN
fsr-3223	555	33	ar	ar	PROPN
fsr-3223	555	34	in	in	ADP
fsr-3223	555	35	de	de	PROPN
fsr-3223	555	36	xe	xe	PROPN
fsr-3223	555	37	s	s	PROPN
fsr-3223	555	38	an	an	PRON
fsr-3223	555	39	d	d	PROPN
fsr-3223	555	40	fu	fu	NOUN
fsr-3223	555	41	tu	tu	PROPN
fsr-3223	555	42	re	re	X
fsr-3223	555	43	s	s	PROPN
fsr-3223	555	44	e	e	PROPN
fsr-3223	555	45	t	t	X
fsr-3223	555	46	fs	fs	ADP
fsr-3223	555	47	an	an	DET
fsr-3223	555	48	d	d	X
fsr-3223	555	49	c	c	NOUN
fsr-3223	555	50	om	om	PROPN
fsr-3223	555	51	m	m	PROPN
fsr-3223	555	52	od	od	PROPN
fsr-3223	555	53	ity	ity	PROPN
fsr-3223	555	54	t	t	PROPN
fsr-3223	555	55	ru	ru	PROPN
fsr-3223	555	56	st	st	PROPN
fsr-3223	555	57	m	m	PROPN
fsr-3223	555	58	ut	ut	PROPN
fsr-3223	555	59	ua	ua	PROPN
fsr-3223	555	60	l	l	PROPN
fsr-3223	555	61	fu	fu	PROPN
fsr-3223	556	1	nd	nd	AUX
fsr-3223	556	2	s	s	VERB
fsr-3223	556	3	an	an	DET
fsr-3223	556	4	d	d	X
fsr-3223	556	5	e	e	NOUN
fsr-3223	556	6	t	t	NOUN
fsr-3223	556	7	fs	fs	ADP
fsr-3223	557	1	r	r	NOUN
fsr-3223	557	2	et	et	NOUN
fsr-3223	557	3	ur	ur	INTJ
fsr-3223	558	1	ns	ns	INTJ
fsr-3223	558	2	ca	ca	PROPN
fsr-3223	558	3	lc	lc	PROPN
fsr-3223	558	4	.	.	PUNCT
fsr-3223	559	1	st	st	PROPN
fsr-3223	559	2	ar	ar	PROPN
fsr-3223	559	3	t	t	PROPN
fsr-3223	559	4	da	da	PROPN
fsr-3223	559	5	te	te	PROPN
fsr-3223	559	6	ja	ja	PROPN
fsr-3223	559	7	nu	nu	PROPN
fsr-3223	559	8	ar	ar	PROPN
fsr-3223	559	9	y	y	PROPN
fsr-3223	559	10	20	20	NUM
fsr-3223	559	11	06	06	NUM
fsr-3223	560	1	d	d	NOUN
fsr-3223	560	2	ec	ec	PROPN
fsr-3223	561	1	em	em	PRON
fsr-3223	561	2	be	be	VERB
fsr-3223	561	3	r	r	NOUN
fsr-3223	561	4	19	19	NUM
fsr-3223	561	5	99	99	NUM
fsr-3223	561	6	ja	ja	PROPN
fsr-3223	561	7	nu	nu	PROPN
fsr-3223	561	8	ar	ar	PROPN
fsr-3223	561	9	y	y	PROPN
fsr-3223	561	10	19	19	NUM
fsr-3223	561	11	83	83	NUM
fsr-3223	561	12	ja	ja	PROPN
fsr-3223	561	13	nu	nu	PROPN
fsr-3223	561	14	ar	ar	PROPN
fsr-3223	561	15	y	y	PROPN
fsr-3223	561	16	19	19	NUM
fsr-3223	561	17	83	83	NUM
fsr-3223	561	18	d	d	NOUN
fsr-3223	561	19	ec	ec	PROPN
fsr-3223	562	1	em	em	PRON
fsr-3223	562	2	be	be	VERB
fsr-3223	562	3	r	r	NOUN
fsr-3223	562	4	20	20	NUM
fsr-3223	562	5	01	01	NUM
fsr-3223	562	6	m	m	NOUN
fsr-3223	562	7	ay	ay	NOUN
fsr-3223	562	8	20	20	NUM
fsr-3223	562	9	07	07	NUM
fsr-3223	562	10	ja	ja	PROPN
fsr-3223	562	11	nu	nu	PROPN
fsr-3223	562	12	ar	ar	PROPN
fsr-3223	562	13	y	y	PROPN
fsr-3223	562	14	19	19	NUM
fsr-3223	562	15	98	98	NUM
fsr-3223	562	16	n	n	PRON
fsr-3223	562	17	ot	ot	NOUN
fsr-3223	563	1	e	e	NOUN
fsr-3223	563	2	:	:	PUNCT
fsr-3223	563	3	a	a	DET
fsr-3223	563	4	t	t	X
fsr-3223	563	5	ab	ab	PROPN
fsr-3223	563	6	le	le	X
fsr-3223	563	7	cr	cr	PROPN
fsr-3223	563	8	ea	ea	PROPN
fsr-3223	563	9	te	te	PROPN
fsr-3223	564	1	d	d	NOUN
fsr-3223	564	2	fr	fr	INTJ
fsr-3223	564	3	om	om	PROPN
fsr-3223	564	4	in	in	ADP
fsr-3223	564	5	fo	fo	ADP
fsr-3223	564	6	rm	rm	PROPN
fsr-3223	564	7	at	at	ADP
fsr-3223	564	8	io	io	PROPN
fsr-3223	564	9	n	n	AUX
fsr-3223	564	10	pr	pr	INTJ
fsr-3223	565	1	ov	ov	INTJ
fsr-3223	565	2	i	i	PROPN
fsr-3223	565	3	d	d	PROPN
fsr-3223	565	4	ed	ed	PROPN
fsr-3223	565	5	in	in	ADP
fsr-3223	565	6	m	m	PROPN
fsr-3223	565	7	or	or	CCONJ
fsr-3223	565	8	ni	ni	PROPN
fsr-3223	565	9	ng	ng	PROPN
fsr-3223	565	10	st	st	PROPN
fsr-3223	565	11	ar	ar	PROPN
fsr-3223	565	12	,	,	PUNCT
fsr-3223	565	13	s	s	PROPN
fsr-3223	565	14	&	&	CCONJ
fsr-3223	565	15	p	p	X
fsr-3223	565	16	,	,	PUNCT
fsr-3223	565	17	an	an	DET
fsr-3223	565	18	d	d	X
fsr-3223	565	19	c	c	NOUN
fsr-3223	565	20	al	al	PROPN
fsr-3223	565	21	la	la	PROPN
fsr-3223	565	22	n	n	PROPN
fsr-3223	565	23	a	a	DET
fsr-3223	565	24	ss	ss	NOUN
fsr-3223	565	25	oc	oc	X
fsr-3223	565	26	ia	ia	PROPN
fsr-3223	565	27	te	te	PROPN
fsr-3223	565	28	s	s	VERB
fsr-3223	565	29	do	do	AUX
fsr-3223	565	30	cu	cu	PROPN
fsr-3223	565	31	m	m	X
fsr-3223	565	32	en	en	ADP
fsr-3223	565	33	ts	ts	X
fsr-3223	565	34	.	.	PUNCT
fsr-3223	566	1	b	b	X
fsr-3223	566	2	a	a	DET
fsr-3223	566	3	ss	ss	NOUN
fsr-3223	566	4	et	et	NOUN
fsr-3223	566	5	cl	cl	NOUN
fsr-3223	566	6	as	as	ADP
fsr-3223	566	7	se	se	PROPN
fsr-3223	566	8	s	s	PROPN
fsr-3223	566	9	ar	ar	PROPN
fsr-3223	566	10	e	e	NOUN
fsr-3223	566	11	cl	cl	NOUN
fsr-3223	566	12	as	as	ADP
fsr-3223	566	13	si	si	X
fsr-3223	566	14	fie	fie	PROPN
fsr-3223	566	15	d	d	PROPN
fsr-3223	566	16	as	as	ADP
fsr-3223	566	17	e	e	PROPN
fsr-3223	566	18	qu	qu	PROPN
fsr-3223	566	19	ity	ity	PROPN
fsr-3223	566	20	,	,	PUNCT
fsr-3223	566	21	fi	fi	NOUN
fsr-3223	566	22	xe	xe	PROPN
fsr-3223	566	23	d	d	PROPN
fsr-3223	566	24	in	in	ADP
fsr-3223	566	25	co	co	NOUN
fsr-3223	566	26	m	m	PROPN
fsr-3223	566	27	e	e	NOUN
fsr-3223	566	28	,	,	PUNCT
fsr-3223	566	29	in	in	ADP
fsr-3223	566	30	fla	fla	PROPN
fsr-3223	566	31	tio	tio	PROPN
fsr-3223	566	32	n	n	PRON
fsr-3223	567	1	h	h	NOUN
fsr-3223	568	1	ed	ed	PROPN
fsr-3223	568	2	ge	ge	PROPN
fsr-3223	568	3	a	a	DET
fsr-3223	568	4	ss	ss	NOUN
fsr-3223	568	5	et	et	NOUN
fsr-3223	568	6	s	s	PROPN
fsr-3223	568	7	,	,	PUNCT
fsr-3223	568	8	an	an	DET
fsr-3223	568	9	d	d	X
fsr-3223	568	10	c	c	PROPN
fsr-3223	568	11	as	as	ADP
fsr-3223	568	12	h.	h.	PROPN
fsr-3223	568	13	in	in	ADP
fsr-3223	568	14	de	de	PROPN
fsr-3223	568	15	xe	xe	PROPN
fsr-3223	568	16	s	s	PROPN
fsr-3223	568	17	w	w	PROPN
fsr-3223	568	18	ith	ith	PROPN
fsr-3223	568	19	th	th	X
fsr-3223	568	20	re	re	X
fsr-3223	568	21	e	e	PROPN
fsr-3223	568	22	as	as	ADP
fsr-3223	568	23	se	se	PROPN
fsr-3223	568	24	t	t	PROPN
fsr-3223	568	25	cl	cl	NOUN
fsr-3223	568	26	as	as	SCONJ
fsr-3223	568	27	se	se	PROPN
fsr-3223	568	28	s	s	AUX
fsr-3223	568	29	do	do	VERB
fsr-3223	568	30	no	no	DET
fsr-3223	568	31	t	t	NOUN
fsr-3223	568	32	in	in	ADP
fsr-3223	568	33	cl	cl	NOUN
fsr-3223	568	34	ud	ud	INTJ
fsr-3223	569	1	e	e	PROPN
fsr-3223	569	2	in	in	ADP
fsr-3223	569	3	fla	fla	PROPN
fsr-3223	569	4	tio	tio	PROPN
fsr-3223	570	1	n	n	INTJ
fsr-3223	570	2	he	he	PRON
fsr-3223	570	3	dg	dg	VERB
fsr-3223	570	4	e	e	X
fsr-3223	570	5	as	as	ADP
fsr-3223	570	6	se	se	X
fsr-3223	570	7	ts	ts	X
fsr-3223	570	8	se	se	PROPN
fsr-3223	570	9	pa	pa	PROPN
fsr-3223	570	10	ra	ra	PROPN
fsr-3223	571	1	te	te	INTJ
fsr-3223	571	2	ly	ly	X
fsr-3223	571	3	.	.	PUNCT
fsr-3223	572	1	c	c	X
fsr-3223	573	1	c	c	X
fsr-3223	573	2	ap	ap	PROPN
fsr-3223	573	3	w	w	PROPN
fsr-3223	573	4	ei	ei	PROPN
fsr-3223	573	5	gh	gh	PROPN
fsr-3223	573	6	te	te	PROPN
fsr-3223	573	7	d	d	PROPN
fsr-3223	573	8	in	in	ADP
fsr-3223	573	9	de	de	PROPN
fsr-3223	573	10	xe	xe	PROPN
fsr-3223	573	11	s	s	PROPN
fsr-3223	573	12	ar	ar	PROPN
fsr-3223	573	13	e	e	PROPN
fsr-3223	573	14	flo	flo	NOUN
fsr-3223	573	15	at	at	ADP
fsr-3223	573	16	ad	ad	PROPN
fsr-3223	573	17	ju	ju	PROPN
fsr-3223	573	18	st	st	PROPN
fsr-3223	573	19	ed	ed	PROPN
fsr-3223	573	20	.	.	PUNCT
fsr-3223	574	1	c	c	PROPN
fsr-3223	574	2	om	om	PROPN
fsr-3223	574	3	m	m	PROPN
fsr-3223	574	4	od	od	PROPN
fsr-3223	574	5	ity	ity	X
fsr-3223	574	6	ex	ex	X
fsr-3223	574	7	po	po	PROPN
fsr-3223	574	8	su	su	PROPN
fsr-3223	574	9	re	re	PROPN
fsr-3223	574	10	is	be	AUX
fsr-3223	574	11	pr	pr	X
fsr-3223	574	12	od	od	INTJ
fsr-3223	574	13	uc	uc	PROPN
fsr-3223	575	1	tio	tio	PROPN
fsr-3223	575	2	n	n	INTJ
fsr-3223	575	3	w	w	PROPN
fsr-3223	575	4	ei	ei	X
fsr-3223	575	5	gh	gh	PROPN
fsr-3223	575	6	te	te	PROPN
fsr-3223	575	7	d.	d.	PROPN
fsr-3223	575	8	253s	253s	PROPN
fsr-3223	575	9	.	.	PUNCT
fsr-3223	576	1	singh	singh	PROPN
fsr-3223	576	2	/	/	SYM
fsr-3223	576	3	financial	financial	ADJ
fsr-3223	576	4	services	service	NOUN
fsr-3223	576	5	review	review	VERB
fsr-3223	576	6	25	25	NUM
fsr-3223	576	7	(	(	PUNCT
fsr-3223	576	8	2016	2016	NUM
fsr-3223	576	9	)	)	PUNCT
fsr-3223	576	10	235–262	235–262	NUM
fsr-3223	576	11	appropriate	appropriate	ADJ
fsr-3223	576	12	than	than	ADP
fsr-3223	576	13	the	the	DET
fsr-3223	576	14	one	one	NOUN
fsr-3223	576	15	that	that	PRON
fsr-3223	576	16	relies	rely	VERB
fsr-3223	576	17	upon	upon	SCONJ
fsr-3223	576	18	the	the	DET
fsr-3223	576	19	investor	investor	NOUN
fsr-3223	576	20	holding	hold	VERB
fsr-3223	576	21	suitable	suitable	ADJ
fsr-3223	576	22	levels	level	NOUN
fsr-3223	576	23	of	of	ADP
fsr-3223	576	24	cash	cash	NOUN
fsr-3223	576	25	to	to	PART
fsr-3223	576	26	incorporate	incorporate	VERB
fsr-3223	576	27	risk	risk	NOUN
fsr-3223	576	28	tolerance	tolerance	NOUN
fsr-3223	576	29	.	.	PUNCT
fsr-3223	577	1	two	two	NUM
fsr-3223	577	2	of	of	ADP
fsr-3223	577	3	the	the	DET
fsr-3223	577	4	six	six	NUM
fsr-3223	577	5	indexes	index	NOUN
fsr-3223	577	6	attempt	attempt	NOUN
fsr-3223	577	7	this	this	PRON
fsr-3223	577	8	,	,	PUNCT
fsr-3223	577	9	and	and	CCONJ
fsr-3223	577	10	,	,	PUNCT
fsr-3223	577	11	therefore	therefore	ADV
fsr-3223	577	12	,	,	PUNCT
fsr-3223	577	13	seem	seem	VERB
fsr-3223	577	14	better	well	ADV
fsr-3223	577	15	designed	design	VERB
fsr-3223	577	16	on	on	ADP
fsr-3223	577	17	the	the	DET
fsr-3223	577	18	appropriateness	appropriateness	NOUN
fsr-3223	577	19	factor	factor	NOUN
fsr-3223	577	20	.	.	PUNCT
fsr-3223	578	1	blanchett	blanchett	PROPN
fsr-3223	578	2	and	and	CCONJ
fsr-3223	578	3	kasten	kasten	PROPN
fsr-3223	578	4	(	(	PUNCT
fsr-3223	578	5	2010	2010	NUM
fsr-3223	578	6	)	)	PUNCT
fsr-3223	578	7	provide	provide	VERB
fsr-3223	578	8	initial	initial	ADJ
fsr-3223	578	9	support	support	NOUN
fsr-3223	578	10	for	for	ADP
fsr-3223	578	11	incorporating	incorporate	VERB
fsr-3223	578	12	risk	risk	NOUN
fsr-3223	578	13	aversion	aversion	NOUN
fsr-3223	578	14	in	in	ADP
fsr-3223	578	15	index	index	NOUN
fsr-3223	578	16	design	design	NOUN
fsr-3223	578	17	.	.	PUNCT
fsr-3223	579	1	they	they	PRON
fsr-3223	579	2	demonstrate	demonstrate	VERB
fsr-3223	579	3	that	that	SCONJ
fsr-3223	579	4	using	use	VERB
fsr-3223	579	5	three	three	NUM
fsr-3223	579	6	broad	broad	ADJ
fsr-3223	579	7	categories	category	NOUN
fsr-3223	579	8	of	of	ADP
fsr-3223	579	9	risk	risk	NOUN
fsr-3223	579	10	and	and	CCONJ
fsr-3223	579	11	dynamically	dynamically	ADV
fsr-3223	579	12	adjusting	adjust	VERB
fsr-3223	579	13	allocation	allocation	NOUN
fsr-3223	579	14	provide	provide	VERB
fsr-3223	579	15	lower	low	ADJ
fsr-3223	579	16	dispersion	dispersion	NOUN
fsr-3223	579	17	of	of	ADP
fsr-3223	579	18	returns	return	NOUN
fsr-3223	579	19	and	and	CCONJ
fsr-3223	579	20	more	more	ADV
fsr-3223	579	21	certain	certain	ADJ
fsr-3223	579	22	outcomes	outcome	NOUN
fsr-3223	579	23	.	.	PUNCT
fsr-3223	580	1	therefore	therefore	ADV
fsr-3223	580	2	,	,	PUNCT
fsr-3223	580	3	a	a	DET
fsr-3223	580	4	risk	risk	NOUN
fsr-3223	580	5	appropriate	appropriate	ADJ
fsr-3223	580	6	benchmark	benchmark	NOUN
fsr-3223	580	7	may	may	AUX
fsr-3223	580	8	capture	capture	VERB
fsr-3223	580	9	a	a	DET
fsr-3223	580	10	neutral	neutral	ADJ
fsr-3223	580	11	welfare	welfare	NOUN
fsr-3223	580	12	maximizing	maximize	VERB
fsr-3223	580	13	allocation	allocation	NOUN
fsr-3223	580	14	more	more	ADV
fsr-3223	580	15	appropriately	appropriately	ADV
fsr-3223	580	16	.	.	PUNCT
fsr-3223	581	1	a	a	DET
fsr-3223	581	2	proportion	proportion	NOUN
fsr-3223	581	3	of	of	ADP
fsr-3223	581	4	tdfs	tdfs	NOUN
fsr-3223	581	5	are	be	AUX
fsr-3223	581	6	supported	support	VERB
fsr-3223	581	7	by	by	ADP
fsr-3223	581	8	underlying	underlie	VERB
fsr-3223	581	9	indexed	indexed	ADJ
fsr-3223	581	10	funds	fund	NOUN
fsr-3223	581	11	and	and	CCONJ
fsr-3223	581	12	etfs	etfs	NOUN
fsr-3223	581	13	that	that	PRON
fsr-3223	581	14	are	be	AUX
fsr-3223	581	15	actively	actively	ADV
fsr-3223	581	16	managed	manage	VERB
fsr-3223	581	17	.	.	PUNCT
fsr-3223	582	1	sometimes	sometimes	ADV
fsr-3223	582	2	fund	fund	NOUN
fsr-3223	582	3	managers	manager	NOUN
fsr-3223	582	4	have	have	VERB
fsr-3223	582	5	latitude	latitude	NOUN
fsr-3223	582	6	regarding	regard	VERB
fsr-3223	582	7	asset	asset	NOUN
fsr-3223	582	8	allocation	allocation	NOUN
fsr-3223	582	9	in	in	ADP
fsr-3223	582	10	many	many	ADJ
fsr-3223	582	11	tdfs	tdfs	ADJ
fsr-3223	582	12	.	.	PUNCT
fsr-3223	583	1	the	the	DET
fsr-3223	583	2	property	property	NOUN
fsr-3223	583	3	of	of	ADP
fsr-3223	583	4	the	the	DET
fsr-3223	583	5	benchmark	benchmark	NOUN
fsr-3223	583	6	being	being	NOUN
fsr-3223	583	7	reflective	reflective	ADJ
fsr-3223	583	8	of	of	ADP
fsr-3223	583	9	current	current	ADJ
fsr-3223	583	10	investment	investment	NOUN
fsr-3223	583	11	opinion	opinion	NOUN
fsr-3223	583	12	becomes	become	VERB
fsr-3223	583	13	significant	significant	ADJ
fsr-3223	583	14	.	.	PUNCT
fsr-3223	584	1	a	a	DET
fsr-3223	584	2	manager	manager	NOUN
fsr-3223	584	3	who	who	PRON
fsr-3223	584	4	has	have	VERB
fsr-3223	584	5	discretion	discretion	NOUN
fsr-3223	584	6	in	in	ADP
fsr-3223	584	7	terms	term	NOUN
fsr-3223	584	8	of	of	ADP
fsr-3223	584	9	asset	asset	NOUN
fsr-3223	584	10	allocation	allocation	NOUN
fsr-3223	584	11	and	and	CCONJ
fsr-3223	584	12	security	security	NOUN
fsr-3223	584	13	selection	selection	NOUN
fsr-3223	584	14	should	should	AUX
fsr-3223	584	15	understand	understand	VERB
fsr-3223	584	16	factors	factor	NOUN
fsr-3223	584	17	that	that	PRON
fsr-3223	584	18	affect	affect	VERB
fsr-3223	584	19	the	the	DET
fsr-3223	584	20	benchmark	benchmark	NOUN
fsr-3223	584	21	and	and	CCONJ
fsr-3223	584	22	have	have	VERB
fsr-3223	584	23	an	an	DET
fsr-3223	584	24	opinion	opinion	NOUN
fsr-3223	584	25	with	with	ADP
fsr-3223	584	26	regard	regard	NOUN
fsr-3223	584	27	to	to	ADP
fsr-3223	584	28	the	the	DET
fsr-3223	584	29	factors	factor	NOUN
fsr-3223	584	30	.	.	PUNCT
fsr-3223	585	1	a	a	DET
fsr-3223	585	2	majority	majority	NOUN
fsr-3223	585	3	of	of	ADP
fsr-3223	585	4	tdf	tdf	PROPN
fsr-3223	585	5	strategies	strategy	NOUN
fsr-3223	585	6	is	be	AUX
fsr-3223	585	7	executed	execute	VERB
fsr-3223	585	8	through	through	ADP
fsr-3223	585	9	indexed	index	VERB
fsr-3223	585	10	portfolios	portfolio	NOUN
fsr-3223	585	11	and	and	CCONJ
fsr-3223	585	12	predetermined	predetermine	VERB
fsr-3223	585	13	glide	glide	NOUN
fsr-3223	585	14	paths	path	NOUN
fsr-3223	585	15	.	.	PUNCT
fsr-3223	586	1	under	under	ADP
fsr-3223	586	2	such	such	ADJ
fsr-3223	586	3	circumstances	circumstance	NOUN
fsr-3223	586	4	,	,	PUNCT
fsr-3223	586	5	the	the	DET
fsr-3223	586	6	property	property	NOUN
fsr-3223	586	7	of	of	ADP
fsr-3223	586	8	the	the	DET
fsr-3223	586	9	benchmark	benchmark	NOUN
fsr-3223	586	10	being	being	NOUN
fsr-3223	586	11	reflective	reflective	ADJ
fsr-3223	586	12	of	of	ADP
fsr-3223	586	13	current	current	ADJ
fsr-3223	586	14	investment	investment	NOUN
fsr-3223	586	15	opinion	opinion	NOUN
fsr-3223	586	16	is	be	AUX
fsr-3223	586	17	not	not	PART
fsr-3223	586	18	so	so	ADV
fsr-3223	586	19	relevant	relevant	ADJ
fsr-3223	586	20	,	,	PUNCT
fsr-3223	586	21	as	as	SCONJ
fsr-3223	586	22	manager	manager	NOUN
fsr-3223	586	23	discretion	discretion	NOUN
fsr-3223	586	24	is	be	AUX
fsr-3223	586	25	limited	limit	VERB
fsr-3223	586	26	.	.	PUNCT
fsr-3223	587	1	based	base	VERB
fsr-3223	587	2	on	on	ADP
fsr-3223	587	3	the	the	DET
fsr-3223	587	4	evaluation	evaluation	NOUN
fsr-3223	587	5	of	of	ADP
fsr-3223	587	6	the	the	DET
fsr-3223	587	7	seven	seven	NUM
fsr-3223	587	8	benchmarks	benchmark	NOUN
fsr-3223	587	9	,	,	PUNCT
fsr-3223	587	10	once	once	ADV
fsr-3223	587	11	the	the	DET
fsr-3223	587	12	underlying	underlie	VERB
fsr-3223	587	13	indexes	index	NOUN
fsr-3223	587	14	and	and	CCONJ
fsr-3223	587	15	their	their	PRON
fsr-3223	587	16	proportions	proportion	NOUN
fsr-3223	587	17	are	be	AUX
fsr-3223	587	18	disclosed	disclose	VERB
fsr-3223	587	19	,	,	PUNCT
fsr-3223	587	20	all	all	PRON
fsr-3223	587	21	of	of	ADP
fsr-3223	587	22	the	the	DET
fsr-3223	587	23	indexes	index	NOUN
fsr-3223	587	24	meet	meet	VERB
fsr-3223	587	25	the	the	DET
fsr-3223	587	26	investment	investment	NOUN
fsr-3223	587	27	opinion	opinion	NOUN
fsr-3223	587	28	criterion	criterion	NOUN
fsr-3223	587	29	.	.	PUNCT
fsr-3223	588	1	at	at	ADP
fsr-3223	588	2	best	well	ADV
fsr-3223	588	3	,	,	PUNCT
fsr-3223	588	4	tdf	tdf	PROPN
fsr-3223	588	5	benchmark	benchmark	PROPN
fsr-3223	588	6	design	design	NOUN
fsr-3223	588	7	is	be	AUX
fsr-3223	588	8	in	in	ADP
fsr-3223	588	9	its	its	PRON
fsr-3223	588	10	infancy	infancy	NOUN
fsr-3223	588	11	and	and	CCONJ
fsr-3223	588	12	plan	plan	NOUN
fsr-3223	588	13	sponsors	sponsor	NOUN
fsr-3223	588	14	can	can	AUX
fsr-3223	588	15	expect	expect	VERB
fsr-3223	588	16	more	more	ADJ
fsr-3223	588	17	refinements	refinement	NOUN
fsr-3223	588	18	in	in	ADP
fsr-3223	588	19	time	time	NOUN
fsr-3223	588	20	to	to	PART
fsr-3223	588	21	come	come	VERB
fsr-3223	588	22	.	.	PUNCT
fsr-3223	589	1	once	once	ADV
fsr-3223	589	2	an	an	DET
fsr-3223	589	3	appropriate	appropriate	ADJ
fsr-3223	589	4	benchmark	benchmark	NOUN
fsr-3223	589	5	is	be	AUX
fsr-3223	589	6	selected	select	VERB
fsr-3223	589	7	,	,	PUNCT
fsr-3223	589	8	it	it	PRON
fsr-3223	589	9	becomes	become	VERB
fsr-3223	589	10	relevant	relevant	ADJ
fsr-3223	589	11	to	to	PART
fsr-3223	589	12	measure	measure	VERB
fsr-3223	589	13	the	the	DET
fsr-3223	589	14	performance	performance	NOUN
fsr-3223	589	15	in	in	ADP
fsr-3223	589	16	context	context	NOUN
fsr-3223	589	17	of	of	ADP
fsr-3223	589	18	the	the	DET
fsr-3223	589	19	benchmark	benchmark	NOUN
fsr-3223	589	20	.	.	PUNCT
fsr-3223	590	1	to	to	ADP
fsr-3223	590	2	this	this	DET
fsr-3223	590	3	point	point	NOUN
fsr-3223	590	4	,	,	PUNCT
fsr-3223	590	5	most	most	ADJ
fsr-3223	590	6	performance	performance	NOUN
fsr-3223	590	7	evaluation	evaluation	NOUN
fsr-3223	590	8	has	have	AUX
fsr-3223	590	9	relied	rely	VERB
fsr-3223	590	10	on	on	ADP
fsr-3223	590	11	benchmark	benchmark	ADJ
fsr-3223	590	12	independent	independent	ADJ
fsr-3223	590	13	performance	performance	NOUN
fsr-3223	590	14	evaluation	evaluation	NOUN
fsr-3223	590	15	and	and	CCONJ
fsr-3223	590	16	mostly	mostly	ADV
fsr-3223	590	17	on	on	ADP
fsr-3223	590	18	simulations	simulation	NOUN
fsr-3223	590	19	.	.	PUNCT
fsr-3223	591	1	the	the	DET
fsr-3223	591	2	empirical	empirical	ADJ
fsr-3223	591	3	evidence	evidence	NOUN
fsr-3223	591	4	on	on	ADP
fsr-3223	591	5	tdf	tdf	PROPN
fsr-3223	591	6	performance	performance	NOUN
fsr-3223	591	7	is	be	AUX
fsr-3223	591	8	presented	present	VERB
fsr-3223	591	9	next	next	ADV
fsr-3223	591	10	.	.	PUNCT
fsr-3223	592	1	nagengast	nagengast	ADJ
fsr-3223	592	2	,	,	PUNCT
fsr-3223	592	3	bucci	bucci	PROPN
fsr-3223	592	4	,	,	PUNCT
fsr-3223	592	5	and	and	CCONJ
fsr-3223	592	6	coaker	coaker	NOUN
fsr-3223	592	7	(	(	PUNCT
fsr-3223	592	8	2006	2006	NUM
fsr-3223	592	9	)	)	PUNCT
fsr-3223	592	10	study	study	NOUN
fsr-3223	592	11	performance	performance	NOUN
fsr-3223	592	12	of	of	ADP
fsr-3223	592	13	tdfs	tdfs	NOUN
fsr-3223	592	14	from	from	ADP
fsr-3223	592	15	six	six	NUM
fsr-3223	592	16	major	major	ADJ
fsr-3223	592	17	fund	fund	NOUN
fsr-3223	592	18	families	family	NOUN
fsr-3223	592	19	.	.	PUNCT
fsr-3223	593	1	they	they	PRON
fsr-3223	593	2	utilize	utilize	VERB
fsr-3223	593	3	a	a	DET
fsr-3223	593	4	weighted	weighted	ADJ
fsr-3223	593	5	score	score	NOUN
fsr-3223	593	6	of	of	ADP
fsr-3223	593	7	six	six	NUM
fsr-3223	593	8	metrics	metric	NOUN
fsr-3223	593	9	:	:	PUNCT
fsr-3223	593	10	structure	structure	NOUN
fsr-3223	593	11	/	/	SYM
fsr-3223	593	12	strategy	strategy	NOUN
fsr-3223	593	13	,	,	PUNCT
fsr-3223	593	14	expenses	expense	NOUN
fsr-3223	593	15	,	,	PUNCT
fsr-3223	593	16	allocation	allocation	NOUN
fsr-3223	593	17	,	,	PUNCT
fsr-3223	593	18	performance	performance	NOUN
fsr-3223	593	19	,	,	PUNCT
fsr-3223	593	20	and	and	CCONJ
fsr-3223	593	21	two	two	NUM
fsr-3223	593	22	measures	measure	NOUN
fsr-3223	593	23	of	of	ADP
fsr-3223	593	24	risk	risk	NOUN
fsr-3223	593	25	.	.	PUNCT
fsr-3223	594	1	the	the	DET
fsr-3223	594	2	authors	author	NOUN
fsr-3223	594	3	find	find	VERB
fsr-3223	594	4	the	the	DET
fsr-3223	594	5	returns	return	NOUN
fsr-3223	594	6	from	from	ADP
fsr-3223	594	7	these	these	DET
fsr-3223	594	8	funds	fund	NOUN
fsr-3223	594	9	to	to	PART
fsr-3223	594	10	be	be	AUX
fsr-3223	594	11	in	in	ADP
fsr-3223	594	12	line	line	NOUN
fsr-3223	594	13	with	with	ADP
fsr-3223	594	14	the	the	DET
fsr-3223	594	15	performance	performance	NOUN
fsr-3223	594	16	of	of	ADP
fsr-3223	594	17	the	the	DET
fsr-3223	594	18	market	market	NOUN
fsr-3223	594	19	.	.	PUNCT
fsr-3223	595	1	they	they	PRON
fsr-3223	595	2	observe	observe	VERB
fsr-3223	595	3	,	,	PUNCT
fsr-3223	595	4	“	"	PUNCT
fsr-3223	595	5	the	the	DET
fsr-3223	595	6	asset	asset	NOUN
fsr-3223	595	7	allocations	allocation	NOUN
fsr-3223	595	8	of	of	ADP
fsr-3223	595	9	most	most	ADJ
fsr-3223	595	10	of	of	ADP
fsr-3223	595	11	the	the	DET
fsr-3223	595	12	fund	fund	NOUN
fsr-3223	595	13	families	family	NOUN
fsr-3223	595	14	lack	lack	VERB
fsr-3223	595	15	imagination	imagination	NOUN
fsr-3223	595	16	.	.	PUNCT
fsr-3223	595	17	”	"	PUNCT
fsr-3223	596	1	surz	surz	NOUN
fsr-3223	596	2	and	and	CCONJ
fsr-3223	596	3	israelsen	israelsen	PROPN
fsr-3223	596	4	(	(	PUNCT
fsr-3223	596	5	2007	2007	NUM
fsr-3223	596	6	)	)	PUNCT
fsr-3223	596	7	determine	determine	VERB
fsr-3223	596	8	that	that	SCONJ
fsr-3223	596	9	tdfs	tdfs	NOUN
fsr-3223	596	10	“	"	PUNCT
fsr-3223	596	11	failed	fail	VERB
fsr-3223	596	12	to	to	PART
fsr-3223	596	13	measure	measure	VERB
fsr-3223	596	14	up	up	ADP
fsr-3223	596	15	to	to	ADP
fsr-3223	596	16	the	the	DET
fsr-3223	596	17	risk	risk	NOUN
fsr-3223	596	18	-	-	PUNCT
fsr-3223	596	19	adjusted	adjust	VERB
fsr-3223	596	20	performance	performance	NOUN
fsr-3223	596	21	standards	standard	NOUN
fsr-3223	596	22	established	establish	VERB
fsr-3223	596	23	by	by	ADP
fsr-3223	596	24	the	the	DET
fsr-3223	596	25	pure	pure	ADJ
fsr-3223	596	26	target	target	NOUN
fsr-3223	596	27	-	-	PUNCT
fsr-3223	596	28	date	date	NOUN
fsr-3223	596	29	indexes	index	NOUN
fsr-3223	596	30	.	.	PUNCT
fsr-3223	596	31	”	"	PUNCT
fsr-3223	596	32	to	to	PART
fsr-3223	596	33	arrive	arrive	VERB
fsr-3223	596	34	at	at	ADP
fsr-3223	596	35	this	this	DET
fsr-3223	596	36	conclusion	conclusion	NOUN
fsr-3223	596	37	,	,	PUNCT
fsr-3223	596	38	the	the	DET
fsr-3223	596	39	authors	author	NOUN
fsr-3223	596	40	first	first	ADV
fsr-3223	596	41	prescribe	prescribe	VERB
fsr-3223	596	42	the	the	DET
fsr-3223	596	43	characteristics	characteristic	NOUN
fsr-3223	596	44	possessed	possess	VERB
fsr-3223	596	45	by	by	ADP
fsr-3223	596	46	an	an	DET
fsr-3223	596	47	ideal	ideal	ADJ
fsr-3223	596	48	tdf	tdf	PROPN
fsr-3223	596	49	.	.	PUNCT
fsr-3223	597	1	they	they	PRON
fsr-3223	597	2	also	also	ADV
fsr-3223	597	3	build	build	VERB
fsr-3223	597	4	four	four	NUM
fsr-3223	597	5	benchmarks	benchmark	NOUN
fsr-3223	597	6	ranging	range	VERB
fsr-3223	597	7	from	from	ADP
fsr-3223	597	8	“	"	PUNCT
fsr-3223	597	9	defensive	defensive	ADJ
fsr-3223	597	10	”	"	PUNCT
fsr-3223	597	11	to	to	ADP
fsr-3223	597	12	“	"	PUNCT
fsr-3223	597	13	aggressive	aggressive	ADJ
fsr-3223	597	14	”	"	PUNCT
fsr-3223	597	15	depending	depend	VERB
fsr-3223	597	16	upon	upon	SCONJ
fsr-3223	597	17	the	the	DET
fsr-3223	597	18	glide	glide	ADJ
fsr-3223	597	19	path	path	NOUN
fsr-3223	597	20	applicable	applicable	ADJ
fsr-3223	597	21	to	to	ADP
fsr-3223	597	22	each	each	DET
fsr-3223	597	23	category	category	NOUN
fsr-3223	597	24	of	of	ADP
fsr-3223	597	25	tdf	tdf	PROPN
fsr-3223	597	26	.	.	PUNCT
fsr-3223	598	1	they	they	PRON
fsr-3223	598	2	arrive	arrive	VERB
fsr-3223	598	3	at	at	ADP
fsr-3223	598	4	the	the	DET
fsr-3223	598	5	preceding	precede	VERB
fsr-3223	598	6	conclusion	conclusion	NOUN
fsr-3223	598	7	based	base	VERB
fsr-3223	598	8	on	on	ADP
fsr-3223	598	9	the	the	DET
fsr-3223	598	10	risk	risk	NOUN
fsr-3223	598	11	classification	classification	NOUN
fsr-3223	598	12	of	of	ADP
fsr-3223	598	13	a	a	DET
fsr-3223	598	14	tdf	tdf	NOUN
fsr-3223	598	15	and	and	CCONJ
fsr-3223	598	16	performance	performance	NOUN
fsr-3223	598	17	relative	relative	ADJ
fsr-3223	598	18	to	to	ADP
fsr-3223	598	19	the	the	DET
fsr-3223	598	20	benchmark	benchmark	NOUN
fsr-3223	598	21	.	.	PUNCT
fsr-3223	599	1	borrowing	borrowing	NOUN
fsr-3223	599	2	performance	performance	NOUN
fsr-3223	599	3	metrics	metric	NOUN
fsr-3223	599	4	from	from	ADP
fsr-3223	599	5	the	the	DET
fsr-3223	599	6	annuity	annuity	NOUN
fsr-3223	599	7	industry	industry	NOUN
fsr-3223	599	8	,	,	PUNCT
fsr-3223	599	9	lewis	lewis	PROPN
fsr-3223	599	10	(	(	PUNCT
fsr-3223	599	11	2008	2008	NUM
fsr-3223	599	12	)	)	PUNCT
fsr-3223	599	13	uses	use	VERB
fsr-3223	599	14	actual	actual	ADJ
fsr-3223	599	15	annuity	annuity	NOUN
fsr-3223	599	16	quotes	quote	NOUN
fsr-3223	599	17	to	to	PART
fsr-3223	599	18	calculate	calculate	VERB
fsr-3223	599	19	the	the	DET
fsr-3223	599	20	probability	probability	NOUN
fsr-3223	599	21	of	of	ADP
fsr-3223	599	22	attaining	attain	VERB
fsr-3223	599	23	an	an	DET
fsr-3223	599	24	income	income	NOUN
fsr-3223	599	25	replacement	replacement	NOUN
fsr-3223	599	26	ratio	ratio	NOUN
fsr-3223	599	27	.	.	PUNCT
fsr-3223	600	1	this	this	PRON
fsr-3223	600	2	enables	enable	VERB
fsr-3223	600	3	one	one	NUM
fsr-3223	600	4	to	to	PART
fsr-3223	600	5	evaluate	evaluate	VERB
fsr-3223	600	6	the	the	DET
fsr-3223	600	7	efficacy	efficacy	NOUN
fsr-3223	600	8	of	of	ADP
fsr-3223	600	9	a	a	DET
fsr-3223	600	10	particular	particular	ADJ
fsr-3223	600	11	glide	glide	NOUN
fsr-3223	600	12	path	path	NOUN
fsr-3223	600	13	and	and	CCONJ
fsr-3223	600	14	the	the	DET
fsr-3223	600	15	shortfall	shortfall	NOUN
fsr-3223	600	16	risk	risk	NOUN
fsr-3223	600	17	associated	associate	VERB
fsr-3223	600	18	with	with	ADP
fsr-3223	600	19	each	each	PRON
fsr-3223	600	20	.	.	PUNCT
fsr-3223	601	1	in	in	ADP
fsr-3223	601	2	the	the	DET
fsr-3223	601	3	opinion	opinion	NOUN
fsr-3223	601	4	of	of	ADP
fsr-3223	601	5	the	the	DET
fsr-3223	601	6	author	author	NOUN
fsr-3223	601	7	,	,	PUNCT
fsr-3223	601	8	this	this	PRON
fsr-3223	601	9	makes	make	VERB
fsr-3223	601	10	comparative	comparative	ADJ
fsr-3223	601	11	risk	risk	NOUN
fsr-3223	601	12	assessment	assessment	NOUN
fsr-3223	601	13	of	of	ADP
fsr-3223	601	14	glide	glide	ADJ
fsr-3223	601	15	paths	path	NOUN
fsr-3223	601	16	easier	easy	ADJ
fsr-3223	601	17	and	and	CCONJ
fsr-3223	601	18	,	,	PUNCT
fsr-3223	601	19	perhaps	perhaps	ADV
fsr-3223	601	20	less	less	ADV
fsr-3223	601	21	dependent	dependent	ADJ
fsr-3223	601	22	on	on	ADP
fsr-3223	601	23	simulated	simulated	ADJ
fsr-3223	601	24	data	datum	NOUN
fsr-3223	601	25	as	as	ADP
fsr-3223	601	26	in	in	ADP
fsr-3223	601	27	other	other	ADJ
fsr-3223	601	28	studies	study	NOUN
fsr-3223	601	29	.	.	PUNCT
fsr-3223	602	1	using	use	VERB
fsr-3223	602	2	bootstrap	bootstrap	NOUN
fsr-3223	602	3	simulations	simulation	NOUN
fsr-3223	602	4	,	,	PUNCT
fsr-3223	602	5	dolvin	dolvin	NOUN
fsr-3223	602	6	et	et	NOUN
fsr-3223	602	7	al	al	PROPN
fsr-3223	602	8	.	.	PROPN
fsr-3223	602	9	,	,	PUNCT
fsr-3223	602	10	(	(	PUNCT
fsr-3223	602	11	2010	2010	NUM
fsr-3223	602	12	)	)	PUNCT
fsr-3223	602	13	find	find	VERB
fsr-3223	602	14	that	that	SCONJ
fsr-3223	602	15	certain	certain	ADJ
fsr-3223	602	16	dynamic	dynamic	ADJ
fsr-3223	602	17	strategies	strategy	NOUN
fsr-3223	602	18	that	that	PRON
fsr-3223	602	19	reduce	reduce	VERB
fsr-3223	602	20	equity	equity	NOUN
fsr-3223	602	21	exposure	exposure	NOUN
fsr-3223	602	22	over	over	ADP
fsr-3223	602	23	time	time	NOUN
fsr-3223	602	24	are	be	AUX
fsr-3223	602	25	equivalent	equivalent	ADJ
fsr-3223	602	26	to	to	ADP
fsr-3223	602	27	some	some	DET
fsr-3223	602	28	static	static	ADJ
fsr-3223	602	29	strategies	strategy	NOUN
fsr-3223	602	30	.	.	PUNCT
fsr-3223	603	1	they	they	PRON
fsr-3223	603	2	also	also	ADV
fsr-3223	603	3	conclude	conclude	VERB
fsr-3223	603	4	that	that	SCONJ
fsr-3223	603	5	most	most	ADJ
fsr-3223	603	6	glide	glide	ADJ
fsr-3223	603	7	paths	path	NOUN
fsr-3223	603	8	follow	follow	VERB
fsr-3223	603	9	a	a	DET
fsr-3223	603	10	120	120	NUM
fsr-3223	603	11	-	-	PUNCT
fsr-3223	603	12	age	age	NOUN
fsr-3223	603	13	allocation	allocation	NOUN
fsr-3223	603	14	scheme	scheme	NOUN
fsr-3223	603	15	,	,	PUNCT
fsr-3223	603	16	similar	similar	ADJ
fsr-3223	603	17	to	to	ADP
fsr-3223	603	18	a	a	DET
fsr-3223	603	19	100	100	NUM
fsr-3223	603	20	-	-	PUNCT
fsr-3223	603	21	age	age	NOUN
fsr-3223	603	22	strategy	strategy	NOUN
fsr-3223	603	23	.	.	PUNCT
fsr-3223	604	1	lipton	lipton	PROPN
fsr-3223	604	2	and	and	CCONJ
fsr-3223	604	3	kish	kish	PROPN
fsr-3223	604	4	(	(	PUNCT
fsr-3223	604	5	2011	2011	NUM
fsr-3223	604	6	)	)	PUNCT
fsr-3223	604	7	,	,	PUNCT
fsr-3223	604	8	highlight	highlight	VERB
fsr-3223	604	9	the	the	DET
fsr-3223	604	10	opacity	opacity	NOUN
fsr-3223	604	11	in	in	ADP
fsr-3223	604	12	disclosure	disclosure	NOUN
fsr-3223	604	13	and	and	CCONJ
fsr-3223	604	14	the	the	DET
fsr-3223	604	15	wide	wide	ADJ
fsr-3223	604	16	variability	variability	NOUN
fsr-3223	604	17	in	in	ADP
fsr-3223	604	18	glide	glide	ADJ
fsr-3223	604	19	paths	path	NOUN
fsr-3223	604	20	,	,	PUNCT
fsr-3223	604	21	management	management	NOUN
fsr-3223	604	22	fees	fee	NOUN
fsr-3223	604	23	and	and	CCONJ
fsr-3223	604	24	outcomes	outcome	NOUN
fsr-3223	604	25	in	in	ADP
fsr-3223	604	26	life	life	NOUN
fsr-3223	604	27	cycle	cycle	NOUN
fsr-3223	604	28	investing	investing	NOUN
fsr-3223	604	29	.	.	PUNCT
fsr-3223	605	1	they	they	PRON
fsr-3223	605	2	construct	construct	VERB
fsr-3223	605	3	simple	simple	ADJ
fsr-3223	605	4	254	254	NUM
fsr-3223	605	5	s.	s.	PROPN
fsr-3223	605	6	singh	singh	PROPN
fsr-3223	605	7	/	/	SYM
fsr-3223	605	8	financial	financial	ADJ
fsr-3223	605	9	services	service	NOUN
fsr-3223	605	10	review	review	VERB
fsr-3223	605	11	25	25	NUM
fsr-3223	605	12	(	(	PUNCT
fsr-3223	605	13	2016	2016	NUM
fsr-3223	605	14	)	)	PUNCT
fsr-3223	605	15	235–262	235–262	NUM
fsr-3223	605	16	rolling	rolling	ADJ
fsr-3223	605	17	indexes	index	NOUN
fsr-3223	605	18	based	base	VERB
fsr-3223	605	19	on	on	ADP
fsr-3223	605	20	the	the	DET
fsr-3223	605	21	widely	widely	ADV
fsr-3223	605	22	used	use	VERB
fsr-3223	605	23	asset	asset	NOUN
fsr-3223	605	24	allocation	allocation	NOUN
fsr-3223	605	25	rule	rule	NOUN
fsr-3223	605	26	of	of	ADP
fsr-3223	605	27	100	100	NUM
fsr-3223	605	28	-	-	PUNCT
fsr-3223	605	29	age	age	NOUN
fsr-3223	605	30	in	in	ADP
fsr-3223	605	31	equities	equity	NOUN
fsr-3223	605	32	.	.	PUNCT
fsr-3223	606	1	an	an	DET
fsr-3223	606	2	evaluation	evaluation	NOUN
fsr-3223	606	3	of	of	ADP
fsr-3223	606	4	a	a	DET
fsr-3223	606	5	wide	wide	ADJ
fsr-3223	606	6	range	range	NOUN
fsr-3223	606	7	of	of	ADP
fsr-3223	606	8	target	target	NOUN
fsr-3223	606	9	dates	date	NOUN
fsr-3223	606	10	and	and	CCONJ
fsr-3223	606	11	tdfs	tdfs	NOUN
fsr-3223	606	12	leads	lead	VERB
fsr-3223	606	13	them	they	PRON
fsr-3223	606	14	to	to	PART
fsr-3223	606	15	conclude	conclude	VERB
fsr-3223	606	16	“	"	PUNCT
fsr-3223	606	17	life	life	NOUN
fsr-3223	606	18	cycle	cycle	NOUN
fsr-3223	606	19	funds	fund	NOUN
fsr-3223	606	20	add	add	VERB
fsr-3223	606	21	little	little	ADJ
fsr-3223	606	22	value	value	NOUN
fsr-3223	606	23	on	on	ADP
fsr-3223	606	24	a	a	DET
fsr-3223	606	25	risk	risk	NOUN
fsr-3223	606	26	-	-	PUNCT
fsr-3223	606	27	adjusted	adjust	VERB
fsr-3223	606	28	basis	basis	NOUN
fsr-3223	606	29	”	"	PUNCT
fsr-3223	606	30	and	and	CCONJ
fsr-3223	606	31	“	"	PUNCT
fsr-3223	606	32	that	that	SCONJ
fsr-3223	606	33	individuals	individual	NOUN
fsr-3223	606	34	with	with	ADP
fsr-3223	606	35	a	a	DET
fsr-3223	606	36	long	long	ADJ
fsr-3223	606	37	time	time	NOUN
fsr-3223	606	38	horizon	horizon	NOUN
fsr-3223	606	39	may	may	AUX
fsr-3223	606	40	want	want	VERB
fsr-3223	606	41	to	to	PART
fsr-3223	606	42	consider	consider	VERB
fsr-3223	606	43	whether	whether	SCONJ
fsr-3223	606	44	the	the	DET
fsr-3223	606	45	apparent	apparent	ADJ
fsr-3223	606	46	convenience	convenience	NOUN
fsr-3223	606	47	of	of	ADP
fsr-3223	606	48	life	life	NOUN
fsr-3223	606	49	cycle	cycle	NOUN
fsr-3223	606	50	funds	fund	NOUN
fsr-3223	606	51	outweighs	outweigh	VERB
fsr-3223	606	52	the	the	DET
fsr-3223	606	53	difficulties	difficulty	NOUN
fsr-3223	606	54	in	in	ADP
fsr-3223	606	55	measuring	measure	VERB
fsr-3223	606	56	and	and	CCONJ
fsr-3223	606	57	attaining	attain	VERB
fsr-3223	606	58	return	return	NOUN
fsr-3223	606	59	(	(	PUNCT
fsr-3223	606	60	p.	p.	NOUN
fsr-3223	606	61	92	92	NUM
fsr-3223	606	62	)	)	PUNCT
fsr-3223	606	63	.	.	PUNCT
fsr-3223	606	64	”	"	PUNCT
fsr-3223	607	1	in	in	ADP
fsr-3223	607	2	a	a	DET
fsr-3223	607	3	study	study	NOUN
fsr-3223	607	4	of	of	ADP
fsr-3223	607	5	36	36	NUM
fsr-3223	607	6	fund	fund	NOUN
fsr-3223	607	7	families	family	NOUN
fsr-3223	607	8	,	,	PUNCT
fsr-3223	607	9	tang	tang	NOUN
fsr-3223	607	10	and	and	CCONJ
fsr-3223	607	11	lin	lin	PROPN
fsr-3223	607	12	(	(	PUNCT
fsr-3223	607	13	2015	2015	NUM
fsr-3223	607	14	)	)	PUNCT
fsr-3223	607	15	find	find	VERB
fsr-3223	607	16	significant	significant	ADJ
fsr-3223	607	17	welfare	welfare	NOUN
fsr-3223	607	18	loss	loss	NOUN
fsr-3223	607	19	from	from	ADP
fsr-3223	607	20	investing	invest	VERB
fsr-3223	607	21	arbitrarily	arbitrarily	ADV
fsr-3223	607	22	in	in	ADP
fsr-3223	607	23	a	a	DET
fsr-3223	607	24	tdf	tdf	NOUN
fsr-3223	607	25	.	.	PUNCT
fsr-3223	608	1	they	they	PRON
fsr-3223	608	2	measure	measure	VERB
fsr-3223	608	3	loss	loss	NOUN
fsr-3223	608	4	from	from	ADP
fsr-3223	608	5	two	two	NUM
fsr-3223	608	6	sources	source	NOUN
fsr-3223	608	7	:	:	PUNCT
fsr-3223	608	8	portfolio	portfolio	NOUN
fsr-3223	608	9	selection	selection	NOUN
fsr-3223	608	10	and	and	CCONJ
fsr-3223	608	11	glide	glide	NOUN
fsr-3223	608	12	path	path	NOUN
fsr-3223	608	13	.	.	PUNCT
fsr-3223	609	1	the	the	DET
fsr-3223	609	2	authors	author	NOUN
fsr-3223	609	3	conclude	conclude	VERB
fsr-3223	609	4	that	that	SCONJ
fsr-3223	609	5	an	an	DET
fsr-3223	609	6	inappropriate	inappropriate	ADJ
fsr-3223	609	7	tdf	tdf	NOUN
fsr-3223	609	8	,	,	PUNCT
fsr-3223	609	9	one	one	NUM
fsr-3223	609	10	whose	whose	DET
fsr-3223	609	11	glide	glide	NOUN
fsr-3223	609	12	path	path	NOUN
fsr-3223	609	13	does	do	AUX
fsr-3223	609	14	not	not	PART
fsr-3223	609	15	reflect	reflect	VERB
fsr-3223	609	16	the	the	DET
fsr-3223	609	17	risk	risk	NOUN
fsr-3223	609	18	preference	preference	NOUN
fsr-3223	609	19	of	of	ADP
fsr-3223	609	20	the	the	DET
fsr-3223	609	21	investor	investor	NOUN
fsr-3223	609	22	can	can	AUX
fsr-3223	609	23	cost	cost	VERB
fsr-3223	609	24	the	the	DET
fsr-3223	609	25	investor	investor	NOUN
fsr-3223	609	26	a	a	DET
fsr-3223	609	27	loss	loss	NOUN
fsr-3223	609	28	of	of	ADP
fsr-3223	609	29	as	as	ADV
fsr-3223	609	30	high	high	ADJ
fsr-3223	609	31	as	as	ADP
fsr-3223	609	32	17	17	NUM
fsr-3223	609	33	%	%	NOUN
fsr-3223	609	34	in	in	ADP
fsr-3223	609	35	welfare	welfare	NOUN
fsr-3223	609	36	.	.	PUNCT
fsr-3223	610	1	of	of	ADP
fsr-3223	610	2	this	this	DET
fsr-3223	610	3	loss	loss	NOUN
fsr-3223	610	4	in	in	ADP
fsr-3223	610	5	welfare	welfare	NOUN
fsr-3223	610	6	,	,	PUNCT
fsr-3223	610	7	the	the	DET
fsr-3223	610	8	most	most	ADV
fsr-3223	610	9	significant	significant	ADJ
fsr-3223	610	10	contributor	contributor	NOUN
fsr-3223	610	11	to	to	PART
fsr-3223	610	12	welfare	welfare	VERB
fsr-3223	610	13	loss	loss	NOUN
fsr-3223	610	14	of	of	ADP
fsr-3223	610	15	about	about	ADV
fsr-3223	610	16	67	67	NUM
fsr-3223	610	17	%	%	NOUN
fsr-3223	610	18	is	be	AUX
fsr-3223	610	19	attributed	attribute	VERB
fsr-3223	610	20	to	to	ADP
fsr-3223	610	21	inappropriate	inappropriate	ADJ
fsr-3223	610	22	glide	glide	ADJ
fsr-3223	610	23	path	path	NOUN
fsr-3223	610	24	choice	choice	NOUN
fsr-3223	610	25	and	and	CCONJ
fsr-3223	610	26	the	the	DET
fsr-3223	610	27	remainder	remainder	NOUN
fsr-3223	610	28	could	could	AUX
fsr-3223	610	29	be	be	AUX
fsr-3223	610	30	attributed	attribute	VERB
fsr-3223	610	31	to	to	ADP
fsr-3223	610	32	portfolio	portfolio	NOUN
fsr-3223	610	33	selection	selection	NOUN
fsr-3223	610	34	.	.	PUNCT
fsr-3223	611	1	the	the	DET
fsr-3223	611	2	authors	author	NOUN
fsr-3223	611	3	advocate	advocate	VERB
fsr-3223	611	4	a	a	DET
fsr-3223	611	5	risk	risk	NOUN
fsr-3223	611	6	-	-	PUNCT
fsr-3223	611	7	based	base	VERB
fsr-3223	611	8	tdf	tdf	NOUN
fsr-3223	611	9	selection	selection	NOUN
fsr-3223	611	10	strategy	strategy	NOUN
fsr-3223	611	11	.	.	PUNCT
fsr-3223	612	1	a	a	DET
fsr-3223	612	2	summary	summary	NOUN
fsr-3223	612	3	of	of	ADP
fsr-3223	612	4	the	the	DET
fsr-3223	612	5	accumulated	accumulate	VERB
fsr-3223	612	6	research	research	NOUN
fsr-3223	612	7	on	on	ADP
fsr-3223	612	8	performance	performance	NOUN
fsr-3223	612	9	evaluation	evaluation	NOUN
fsr-3223	612	10	of	of	ADP
fsr-3223	612	11	tdfs	tdfs	NOUN
fsr-3223	612	12	appears	appear	VERB
fsr-3223	612	13	in	in	ADP
fsr-3223	612	14	table	table	NOUN
fsr-3223	612	15	2	2	NUM
fsr-3223	612	16	.	.	PUNCT
fsr-3223	613	1	some	some	DET
fsr-3223	613	2	initial	initial	ADJ
fsr-3223	613	3	evidence	evidence	NOUN
fsr-3223	613	4	on	on	ADP
fsr-3223	613	5	the	the	DET
fsr-3223	613	6	actual	actual	ADJ
fsr-3223	613	7	performance	performance	NOUN
fsr-3223	613	8	of	of	ADP
fsr-3223	613	9	tdfs	tdfs	NOUN
fsr-3223	613	10	is	be	AUX
fsr-3223	613	11	now	now	ADV
fsr-3223	613	12	available	available	ADJ
fsr-3223	613	13	.	.	PUNCT
fsr-3223	614	1	in	in	ADP
fsr-3223	614	2	a	a	DET
fsr-3223	614	3	2016	2016	NUM
fsr-3223	614	4	morningstar	morningstar	NOUN
fsr-3223	614	5	study	study	NOUN
fsr-3223	614	6	,	,	PUNCT
fsr-3223	614	7	holt	holt	PROPN
fsr-3223	614	8	et	et	PROPN
fsr-3223	614	9	al	al	PROPN
fsr-3223	614	10	.	.	PUNCT
fsr-3223	615	1	(	(	PUNCT
fsr-3223	615	2	2016	2016	NUM
fsr-3223	615	3	)	)	PUNCT
fsr-3223	615	4	,	,	PUNCT
fsr-3223	615	5	calculate	calculate	VERB
fsr-3223	615	6	the	the	DET
fsr-3223	615	7	historical	historical	ADJ
fsr-3223	615	8	10	10	NUM
fsr-3223	615	9	-	-	PUNCT
fsr-3223	615	10	year	year	NOUN
fsr-3223	615	11	annual	annual	ADJ
fsr-3223	615	12	average	average	ADJ
fsr-3223	615	13	total	total	ADJ
fsr-3223	615	14	return	return	NOUN
fsr-3223	615	15	on	on	ADP
fsr-3223	615	16	tdfs	tdfs	NOUN
fsr-3223	615	17	and	and	CCONJ
fsr-3223	615	18	compare	compare	VERB
fsr-3223	615	19	them	they	PRON
fsr-3223	615	20	to	to	ADP
fsr-3223	615	21	various	various	ADJ
fsr-3223	615	22	classes	class	NOUN
fsr-3223	615	23	of	of	ADP
fsr-3223	615	24	mutual	mutual	ADJ
fsr-3223	615	25	funds	fund	NOUN
fsr-3223	615	26	.	.	PUNCT
fsr-3223	616	1	they	they	PRON
fsr-3223	616	2	find	find	VERB
fsr-3223	616	3	that	that	SCONJ
fsr-3223	616	4	on	on	ADP
fsr-3223	616	5	a	a	DET
fsr-3223	616	6	total	total	ADJ
fsr-3223	616	7	return	return	NOUN
fsr-3223	616	8	basis	basis	NOUN
fsr-3223	616	9	the	the	DET
fsr-3223	616	10	tdfs	tdfs	ADJ
fsr-3223	616	11	lag	lag	NOUN
fsr-3223	616	12	funds	fund	NOUN
fsr-3223	616	13	that	that	PRON
fsr-3223	616	14	include	include	VERB
fsr-3223	616	15	only	only	ADJ
fsr-3223	616	16	equities	equity	NOUN
fsr-3223	616	17	,	,	PUNCT
fsr-3223	616	18	but	but	CCONJ
fsr-3223	616	19	do	do	VERB
fsr-3223	616	20	better	well	ADJ
fsr-3223	616	21	than	than	ADP
fsr-3223	616	22	categories	category	NOUN
fsr-3223	616	23	of	of	ADP
fsr-3223	616	24	bond	bond	NOUN
fsr-3223	616	25	funds	fund	NOUN
fsr-3223	616	26	.	.	PUNCT
fsr-3223	617	1	there	there	PRON
fsr-3223	617	2	has	have	AUX
fsr-3223	617	3	been	be	AUX
fsr-3223	617	4	a	a	DET
fsr-3223	617	5	tremendous	tremendous	ADJ
fsr-3223	617	6	flow	flow	NOUN
fsr-3223	617	7	of	of	ADP
fsr-3223	617	8	funds	fund	NOUN
fsr-3223	617	9	into	into	ADP
fsr-3223	617	10	tdfs	tdfs	NOUN
fsr-3223	617	11	over	over	ADP
fsr-3223	617	12	the	the	DET
fsr-3223	617	13	past	past	ADJ
fsr-3223	617	14	10	10	NUM
fsr-3223	617	15	years	year	NOUN
fsr-3223	617	16	,	,	PUNCT
fsr-3223	617	17	a	a	DET
fsr-3223	617	18	point	point	NOUN
fsr-3223	617	19	made	make	VERB
fsr-3223	617	20	on	on	ADP
fsr-3223	617	21	multiple	multiple	ADJ
fsr-3223	617	22	occasions	occasion	NOUN
fsr-3223	617	23	in	in	ADP
fsr-3223	617	24	this	this	DET
fsr-3223	617	25	study	study	NOUN
fsr-3223	617	26	.	.	PUNCT
fsr-3223	618	1	returns	return	NOUN
fsr-3223	618	2	calculated	calculate	VERB
fsr-3223	618	3	after	after	ADP
fsr-3223	618	4	taking	take	VERB
fsr-3223	618	5	cash	cash	NOUN
fsr-3223	618	6	flows	flow	NOUN
fsr-3223	618	7	in	in	ADP
fsr-3223	618	8	and	and	CCONJ
fsr-3223	618	9	out	out	ADP
fsr-3223	618	10	of	of	ADP
fsr-3223	618	11	the	the	DET
fsr-3223	618	12	portfolio	portfolio	NOUN
fsr-3223	618	13	might	might	AUX
fsr-3223	618	14	be	be	AUX
fsr-3223	618	15	a	a	DET
fsr-3223	618	16	better	well	ADJ
fsr-3223	618	17	gauge	gauge	NOUN
fsr-3223	618	18	of	of	ADP
fsr-3223	618	19	the	the	DET
fsr-3223	618	20	returns	return	NOUN
fsr-3223	618	21	actually	actually	ADV
fsr-3223	618	22	experienced	experience	VERB
fsr-3223	618	23	by	by	ADP
fsr-3223	618	24	the	the	DET
fsr-3223	618	25	investor	investor	NOUN
fsr-3223	618	26	.	.	PUNCT
fsr-3223	619	1	when	when	SCONJ
fsr-3223	619	2	comparing	compare	VERB
fsr-3223	619	3	dollar	dollar	NOUN
fsr-3223	619	4	-	-	PUNCT
fsr-3223	619	5	weighted	weight	VERB
fsr-3223	619	6	return	return	NOUN
fsr-3223	619	7	,	,	PUNCT
fsr-3223	619	8	holt	holt	PROPN
fsr-3223	619	9	et	et	PROPN
fsr-3223	619	10	al	al	PROPN
fsr-3223	619	11	.	.	PROPN
fsr-3223	619	12	,	,	PUNCT
fsr-3223	619	13	find	find	VERB
fsr-3223	619	14	that	that	SCONJ
fsr-3223	619	15	with	with	ADP
fsr-3223	619	16	the	the	DET
fsr-3223	619	17	exception	exception	NOUN
fsr-3223	619	18	of	of	ADP
fsr-3223	619	19	sector	sector	NOUN
fsr-3223	619	20	and	and	CCONJ
fsr-3223	619	21	diversified	diversified	ADJ
fsr-3223	619	22	funds	fund	NOUN
fsr-3223	619	23	,	,	PUNCT
fsr-3223	619	24	tdfs	tdfs	NOUN
fsr-3223	619	25	exceeded	exceed	VERB
fsr-3223	619	26	the	the	DET
fsr-3223	619	27	performance	performance	NOUN
fsr-3223	619	28	of	of	ADP
fsr-3223	619	29	all	all	DET
fsr-3223	619	30	other	other	ADJ
fsr-3223	619	31	categories	category	NOUN
fsr-3223	619	32	.	.	PUNCT
fsr-3223	620	1	the	the	DET
fsr-3223	620	2	dollar	dollar	NOUN
fsr-3223	620	3	-	-	PUNCT
fsr-3223	620	4	weighted	weight	VERB
fsr-3223	620	5	return	return	NOUN
fsr-3223	620	6	for	for	ADP
fsr-3223	620	7	tdfs	tdfs	PRON
fsr-3223	620	8	was	be	AUX
fsr-3223	620	9	5.16	5.16	NUM
fsr-3223	620	10	%	%	NOUN
fsr-3223	620	11	compared	compare	VERB
fsr-3223	620	12	with	with	ADP
fsr-3223	620	13	the	the	DET
fsr-3223	620	14	all	all	DET
fsr-3223	620	15	funds	fund	NOUN
fsr-3223	620	16	average	average	ADJ
fsr-3223	620	17	of	of	ADP
fsr-3223	620	18	4.35	4.35	NUM
fsr-3223	620	19	%	%	NOUN
fsr-3223	620	20	.	.	PUNCT
fsr-3223	621	1	when	when	SCONJ
fsr-3223	621	2	comparing	compare	VERB
fsr-3223	621	3	dollar	dollar	NOUN
fsr-3223	621	4	-	-	PUNCT
fsr-3223	621	5	weighted	weight	VERB
fsr-3223	621	6	returns	return	NOUN
fsr-3223	621	7	of	of	ADP
fsr-3223	621	8	various	various	ADJ
fsr-3223	621	9	vintages	vintage	NOUN
fsr-3223	621	10	,	,	PUNCT
fsr-3223	621	11	as	as	SCONJ
fsr-3223	621	12	might	might	AUX
fsr-3223	621	13	be	be	AUX
fsr-3223	621	14	expected	expect	VERB
fsr-3223	621	15	because	because	SCONJ
fsr-3223	621	16	of	of	ADP
fsr-3223	621	17	their	their	PRON
fsr-3223	621	18	heavier	heavy	ADJ
fsr-3223	621	19	equity	equity	NOUN
fsr-3223	621	20	weightings	weighting	NOUN
fsr-3223	621	21	,	,	PUNCT
fsr-3223	621	22	later	later	ADV
fsr-3223	621	23	vintages	vintage	NOUN
fsr-3223	621	24	outperformed	outperform	VERB
fsr-3223	621	25	the	the	DET
fsr-3223	621	26	nearer	nearer	ADJ
fsr-3223	621	27	vintages	vintage	NOUN
fsr-3223	621	28	.	.	PUNCT
fsr-3223	622	1	now	now	ADV
fsr-3223	622	2	that	that	SCONJ
fsr-3223	622	3	some	some	DET
fsr-3223	622	4	actual	actual	ADJ
fsr-3223	622	5	return	return	NOUN
fsr-3223	622	6	data	datum	NOUN
fsr-3223	622	7	are	be	AUX
fsr-3223	622	8	available	available	ADJ
fsr-3223	622	9	,	,	PUNCT
fsr-3223	622	10	it	it	PRON
fsr-3223	622	11	will	will	AUX
fsr-3223	622	12	be	be	AUX
fsr-3223	622	13	interesting	interesting	ADJ
fsr-3223	622	14	to	to	PART
fsr-3223	622	15	evaluate	evaluate	VERB
fsr-3223	622	16	performance	performance	NOUN
fsr-3223	622	17	on	on	ADP
fsr-3223	622	18	a	a	DET
fsr-3223	622	19	risk	risk	NOUN
fsr-3223	622	20	-	-	PUNCT
fsr-3223	622	21	adjusted	adjust	VERB
fsr-3223	622	22	basis	basis	NOUN
fsr-3223	622	23	with	with	ADP
fsr-3223	622	24	actual	actual	ADJ
fsr-3223	622	25	returns	return	NOUN
fsr-3223	622	26	rather	rather	ADV
fsr-3223	622	27	than	than	ADP
fsr-3223	622	28	relying	rely	VERB
fsr-3223	622	29	on	on	ADP
fsr-3223	622	30	simulations	simulation	NOUN
fsr-3223	622	31	.	.	PUNCT
fsr-3223	623	1	a	a	DET
fsr-3223	623	2	recommendation	recommendation	NOUN
fsr-3223	623	3	in	in	ADP
fsr-3223	623	4	this	this	DET
fsr-3223	623	5	regard	regard	NOUN
fsr-3223	623	6	is	be	AUX
fsr-3223	623	7	made	make	VERB
fsr-3223	623	8	in	in	ADP
fsr-3223	623	9	the	the	DET
fsr-3223	623	10	next	next	ADJ
fsr-3223	623	11	section	section	NOUN
fsr-3223	623	12	.	.	PUNCT
fsr-3223	624	1	5	5	X
fsr-3223	624	2	.	.	X
fsr-3223	624	3	recommendations	recommendation	NOUN
fsr-3223	624	4	this	this	DET
fsr-3223	624	5	section	section	NOUN
fsr-3223	624	6	is	be	AUX
fsr-3223	624	7	divided	divide	VERB
fsr-3223	624	8	into	into	ADP
fsr-3223	624	9	three	three	NUM
fsr-3223	624	10	parts	part	NOUN
fsr-3223	624	11	,	,	PUNCT
fsr-3223	624	12	each	each	PRON
fsr-3223	624	13	aimed	aim	VERB
fsr-3223	624	14	at	at	ADP
fsr-3223	624	15	a	a	DET
fsr-3223	624	16	different	different	ADJ
fsr-3223	624	17	set	set	NOUN
fsr-3223	624	18	of	of	ADP
fsr-3223	624	19	tdf	tdf	PROPN
fsr-3223	624	20	stakeholders	stakeholder	NOUN
fsr-3223	624	21	.	.	PUNCT
fsr-3223	625	1	the	the	DET
fsr-3223	625	2	first	first	ADJ
fsr-3223	625	3	set	set	NOUN
fsr-3223	625	4	of	of	ADP
fsr-3223	625	5	recommendations	recommendation	NOUN
fsr-3223	625	6	is	be	AUX
fsr-3223	625	7	directed	direct	VERB
fsr-3223	625	8	towards	towards	ADP
fsr-3223	625	9	investors	investor	NOUN
fsr-3223	625	10	and	and	CCONJ
fsr-3223	625	11	their	their	PRON
fsr-3223	625	12	financial	financial	ADJ
fsr-3223	625	13	advisors	advisor	NOUN
fsr-3223	625	14	.	.	PUNCT
fsr-3223	626	1	the	the	DET
fsr-3223	626	2	second	second	NOUN
fsr-3223	626	3	is	be	AUX
fsr-3223	626	4	for	for	ADP
fsr-3223	626	5	plan	plan	NOUN
fsr-3223	626	6	sponsors	sponsor	NOUN
fsr-3223	626	7	and	and	CCONJ
fsr-3223	626	8	mutual	mutual	ADJ
fsr-3223	626	9	fund	fund	NOUN
fsr-3223	626	10	companies	company	NOUN
fsr-3223	626	11	and	and	CCONJ
fsr-3223	626	12	finally	finally	ADV
fsr-3223	626	13	and	and	CCONJ
fsr-3223	626	14	the	the	DET
fsr-3223	626	15	last	last	ADJ
fsr-3223	626	16	set	set	NOUN
fsr-3223	626	17	is	be	AUX
fsr-3223	626	18	aimed	aim	VERB
fsr-3223	626	19	at	at	ADP
fsr-3223	626	20	researchers	researcher	NOUN
fsr-3223	626	21	and	and	CCONJ
fsr-3223	626	22	presented	present	VERB
fsr-3223	626	23	as	as	ADP
fsr-3223	626	24	ideas	idea	NOUN
fsr-3223	626	25	for	for	ADP
fsr-3223	626	26	future	future	ADJ
fsr-3223	626	27	research	research	NOUN
fsr-3223	626	28	.	.	PUNCT
fsr-3223	627	1	5.1	5.1	NUM
fsr-3223	627	2	.	.	PUNCT
fsr-3223	628	1	investors	investor	NOUN
fsr-3223	628	2	and	and	CCONJ
fsr-3223	628	3	financial	financial	ADJ
fsr-3223	628	4	advisors	advisor	NOUN
fsr-3223	628	5	in	in	ADP
fsr-3223	628	6	light	light	NOUN
fsr-3223	628	7	of	of	ADP
fsr-3223	628	8	the	the	DET
fsr-3223	628	9	wide	wide	ADJ
fsr-3223	628	10	variety	variety	NOUN
fsr-3223	628	11	of	of	ADP
fsr-3223	628	12	tdf	tdf	PROPN
fsr-3223	628	13	offerings	offering	NOUN
fsr-3223	628	14	,	,	PUNCT
fsr-3223	628	15	deliberated	deliberate	VERB
fsr-3223	628	16	choices	choice	NOUN
fsr-3223	628	17	by	by	ADP
fsr-3223	628	18	individuals	individual	NOUN
fsr-3223	628	19	and	and	CCONJ
fsr-3223	628	20	their	their	PRON
fsr-3223	628	21	advisors	advisor	NOUN
fsr-3223	628	22	specific	specific	ADJ
fsr-3223	628	23	to	to	ADP
fsr-3223	628	24	the	the	DET
fsr-3223	628	25	individual	individual	ADJ
fsr-3223	628	26	situation	situation	NOUN
fsr-3223	628	27	can	can	AUX
fsr-3223	628	28	improve	improve	VERB
fsr-3223	628	29	investment	investment	NOUN
fsr-3223	628	30	outcomes	outcome	NOUN
fsr-3223	628	31	.	.	PUNCT
fsr-3223	629	1	as	as	ADP
fsr-3223	629	2	with	with	ADP
fsr-3223	629	3	other	other	ADJ
fsr-3223	629	4	mutual	mutual	ADJ
fsr-3223	629	5	fund	fund	NOUN
fsr-3223	629	6	recommendations	recommendation	NOUN
fsr-3223	629	7	,	,	PUNCT
fsr-3223	629	8	fees	fee	NOUN
fsr-3223	629	9	are	be	AUX
fsr-3223	629	10	a	a	DET
fsr-3223	629	11	significant	significant	ADJ
fsr-3223	629	12	variable	variable	NOUN
fsr-3223	629	13	affecting	affect	VERB
fsr-3223	629	14	long	long	ADJ
fsr-3223	629	15	-	-	PUNCT
fsr-3223	629	16	term	term	NOUN
fsr-3223	629	17	results	result	NOUN
fsr-3223	629	18	and	and	CCONJ
fsr-3223	629	19	the	the	DET
fsr-3223	629	20	investor	investor	NOUN
fsr-3223	629	21	or	or	CCONJ
fsr-3223	629	22	their	their	PRON
fsr-3223	629	23	advisor	advisor	NOUN
fsr-3223	629	24	should	should	AUX
fsr-3223	629	25	closely	closely	ADV
fsr-3223	629	26	analyze	analyze	VERB
fsr-3223	629	27	these	these	PRON
fsr-3223	629	28	.	.	PUNCT
fsr-3223	630	1	lipton	lipton	PROPN
fsr-3223	630	2	and	and	CCONJ
fsr-3223	630	3	kish	kish	PROPN
fsr-3223	630	4	(	(	PUNCT
fsr-3223	630	5	2011	2011	NUM
fsr-3223	630	6	)	)	PUNCT
fsr-3223	630	7	report	report	VERB
fsr-3223	630	8	front	front	ADJ
fsr-3223	630	9	-	-	PUNCT
fsr-3223	630	10	end	end	NOUN
fsr-3223	630	11	loads	load	NOUN
fsr-3223	630	12	ranging	range	VERB
fsr-3223	630	13	from	from	ADP
fsr-3223	630	14	4.75	4.75	NUM
fsr-3223	630	15	%	%	NOUN
fsr-3223	630	16	to	to	ADP
fsr-3223	630	17	5.75	5.75	NUM
fsr-3223	630	18	%	%	NOUN
fsr-3223	630	19	.	.	PUNCT
fsr-3223	631	1	they	they	PRON
fsr-3223	631	2	also	also	ADV
fsr-3223	631	3	report	report	VERB
fsr-3223	631	4	that	that	SCONJ
fsr-3223	631	5	management	management	NOUN
fsr-3223	631	6	fees	fee	NOUN
fsr-3223	631	7	and	and	CCONJ
fsr-3223	631	8	255s	255s	PROPN
fsr-3223	631	9	.	.	PUNCT
fsr-3223	632	1	singh	singh	PROPN
fsr-3223	632	2	/	/	SYM
fsr-3223	632	3	financial	financial	ADJ
fsr-3223	632	4	services	service	NOUN
fsr-3223	632	5	review	review	VERB
fsr-3223	632	6	25	25	NUM
fsr-3223	632	7	(	(	PUNCT
fsr-3223	632	8	2016	2016	NUM
fsr-3223	632	9	)	)	PUNCT
fsr-3223	632	10	235–262	235–262	NUM
fsr-3223	632	11	expense	expense	NOUN
fsr-3223	632	12	ratios	ratio	NOUN
fsr-3223	632	13	decline	decline	VERB
fsr-3223	632	14	with	with	ADP
fsr-3223	632	15	the	the	DET
fsr-3223	632	16	approach	approach	NOUN
fsr-3223	632	17	of	of	ADP
fsr-3223	632	18	the	the	DET
fsr-3223	632	19	target	target	NOUN
fsr-3223	632	20	date	date	NOUN
fsr-3223	632	21	.	.	PUNCT
fsr-3223	633	1	given	give	VERB
fsr-3223	633	2	due	due	ADJ
fsr-3223	633	3	diligence	diligence	NOUN
fsr-3223	633	4	and	and	CCONJ
fsr-3223	633	5	fiduciary	fiduciary	ADJ
fsr-3223	633	6	duty	duty	NOUN
fsr-3223	633	7	requirements	requirement	NOUN
fsr-3223	633	8	,	,	PUNCT
fsr-3223	633	9	it	it	PRON
fsr-3223	633	10	is	be	AUX
fsr-3223	633	11	important	important	ADJ
fsr-3223	633	12	that	that	SCONJ
fsr-3223	633	13	advisors	advisor	NOUN
fsr-3223	633	14	monitor	monitor	VERB
fsr-3223	633	15	fund	fund	NOUN
fsr-3223	633	16	fees	fee	NOUN
fsr-3223	633	17	over	over	ADP
fsr-3223	633	18	time	time	NOUN
fsr-3223	633	19	.	.	PUNCT
fsr-3223	634	1	economies	economy	NOUN
fsr-3223	634	2	of	of	ADP
fsr-3223	634	3	scale	scale	NOUN
fsr-3223	634	4	dictate	dictate	VERB
fsr-3223	634	5	that	that	SCONJ
fsr-3223	634	6	as	as	ADP
fsr-3223	634	7	assets	asset	NOUN
fsr-3223	634	8	under	under	ADP
fsr-3223	634	9	management	management	NOUN
fsr-3223	634	10	of	of	ADP
fsr-3223	634	11	a	a	DET
fsr-3223	634	12	fund	fund	NOUN
fsr-3223	634	13	increase	increase	NOUN
fsr-3223	634	14	,	,	PUNCT
fsr-3223	634	15	the	the	DET
fsr-3223	634	16	expense	expense	NOUN
fsr-3223	634	17	ratio	ratio	NOUN
fsr-3223	634	18	of	of	ADP
fsr-3223	634	19	the	the	DET
fsr-3223	634	20	fund	fund	NOUN
fsr-3223	634	21	should	should	AUX
fsr-3223	634	22	decline	decline	VERB
fsr-3223	634	23	.	.	PUNCT
fsr-3223	635	1	investors	investor	NOUN
fsr-3223	635	2	should	should	AUX
fsr-3223	635	3	avoid	avoid	VERB
fsr-3223	635	4	a	a	DET
fsr-3223	635	5	fund	fund	NOUN
fsr-3223	635	6	that	that	PRON
fsr-3223	635	7	increases	increase	VERB
fsr-3223	635	8	fees	fee	NOUN
fsr-3223	635	9	under	under	ADP
fsr-3223	635	10	such	such	ADJ
fsr-3223	635	11	circumstances	circumstance	NOUN
fsr-3223	635	12	.	.	PUNCT
fsr-3223	636	1	tdfs	tdf	VERB
fsr-3223	636	2	at	at	ADP
fsr-3223	636	3	a	a	DET
fsr-3223	636	4	basic	basic	ADJ
fsr-3223	636	5	level	level	NOUN
fsr-3223	636	6	are	be	AUX
fsr-3223	636	7	fund	fund	NOUN
fsr-3223	636	8	of	of	ADP
fsr-3223	636	9	funds	fund	NOUN
fsr-3223	636	10	.	.	PUNCT
fsr-3223	637	1	the	the	DET
fsr-3223	637	2	underlying	underlie	VERB
fsr-3223	637	3	funds	fund	NOUN
fsr-3223	637	4	have	have	VERB
fsr-3223	637	5	their	their	PRON
fsr-3223	637	6	own	own	ADJ
fsr-3223	637	7	fees	fee	NOUN
fsr-3223	637	8	.	.	PUNCT
fsr-3223	638	1	many	many	ADJ
fsr-3223	638	2	fund	fund	NOUN
fsr-3223	638	3	families	family	NOUN
fsr-3223	638	4	do	do	AUX
fsr-3223	638	5	not	not	PART
fsr-3223	638	6	charge	charge	VERB
fsr-3223	638	7	overlay	overlay	NOUN
fsr-3223	638	8	fees	fee	NOUN
fsr-3223	638	9	at	at	ADP
fsr-3223	638	10	the	the	DET
fsr-3223	638	11	tdf	tdf	NOUN
fsr-3223	638	12	level	level	NOUN
fsr-3223	638	13	and	and	CCONJ
fsr-3223	638	14	the	the	DET
fsr-3223	638	15	investor	investor	NOUN
fsr-3223	638	16	pays	pay	VERB
fsr-3223	638	17	only	only	ADV
fsr-3223	638	18	the	the	DET
fsr-3223	638	19	fees	fee	NOUN
fsr-3223	638	20	of	of	ADP
fsr-3223	638	21	the	the	DET
fsr-3223	638	22	underlying	underlie	VERB
fsr-3223	638	23	funds	fund	NOUN
fsr-3223	638	24	.	.	PUNCT
fsr-3223	639	1	such	such	ADJ
fsr-3223	639	2	funds	fund	NOUN
fsr-3223	639	3	should	should	AUX
fsr-3223	639	4	be	be	AUX
fsr-3223	639	5	preferred	prefer	VERB
fsr-3223	639	6	to	to	ADP
fsr-3223	639	7	ones	one	NOUN
fsr-3223	639	8	that	that	PRON
fsr-3223	639	9	tack	tack	VERB
fsr-3223	639	10	on	on	ADP
fsr-3223	639	11	another	another	DET
fsr-3223	639	12	layer	layer	NOUN
fsr-3223	639	13	of	of	ADP
fsr-3223	639	14	fees	fee	NOUN
fsr-3223	639	15	.	.	PUNCT
fsr-3223	640	1	the	the	DET
fsr-3223	640	2	total	total	ADJ
fsr-3223	640	3	fees	fee	NOUN
fsr-3223	640	4	paid	pay	VERB
fsr-3223	640	5	by	by	ADP
fsr-3223	640	6	the	the	DET
fsr-3223	640	7	investor	investor	NOUN
fsr-3223	640	8	over	over	ADP
fsr-3223	640	9	time	time	NOUN
fsr-3223	640	10	should	should	AUX
fsr-3223	640	11	be	be	AUX
fsr-3223	640	12	the	the	DET
fsr-3223	640	13	ultimate	ultimate	ADJ
fsr-3223	640	14	consideration	consideration	NOUN
fsr-3223	640	15	though	though	ADV
fsr-3223	640	16	.	.	PUNCT
fsr-3223	641	1	passive	passive	ADJ
fsr-3223	641	2	funds	fund	NOUN
fsr-3223	641	3	have	have	AUX
fsr-3223	641	4	attracted	attract	VERB
fsr-3223	641	5	significant	significant	ADJ
fsr-3223	641	6	amounts	amount	NOUN
fsr-3223	641	7	of	of	ADP
fsr-3223	641	8	investor	investor	NOUN
fsr-3223	641	9	funds	fund	NOUN
fsr-3223	641	10	and	and	CCONJ
fsr-3223	641	11	indexing	indexing	NOUN
fsr-3223	641	12	as	as	SCONJ
fsr-3223	641	13	an	an	DET
fsr-3223	641	14	investing	investing	NOUN
fsr-3223	641	15	strategy	strategy	NOUN
fsr-3223	641	16	is	be	AUX
fsr-3223	641	17	gaining	gain	VERB
fsr-3223	641	18	increasing	increase	VERB
fsr-3223	641	19	popularity	popularity	NOUN
fsr-3223	641	20	.	.	PUNCT
fsr-3223	642	1	the	the	DET
fsr-3223	642	2	empirical	empirical	ADJ
fsr-3223	642	3	evidence	evidence	NOUN
fsr-3223	642	4	against	against	ADP
fsr-3223	642	5	the	the	DET
fsr-3223	642	6	long	long	ADJ
fsr-3223	642	7	-	-	PUNCT
fsr-3223	642	8	term	term	NOUN
fsr-3223	642	9	performance	performance	NOUN
fsr-3223	642	10	of	of	ADP
fsr-3223	642	11	actively	actively	ADV
fsr-3223	642	12	managed	manage	VERB
fsr-3223	642	13	funds	fund	NOUN
fsr-3223	642	14	and	and	CCONJ
fsr-3223	642	15	their	their	PRON
fsr-3223	642	16	cost	cost	NOUN
fsr-3223	642	17	disadvantage	disadvantage	NOUN
fsr-3223	642	18	do	do	AUX
fsr-3223	642	19	not	not	PART
fsr-3223	642	20	make	make	VERB
fsr-3223	642	21	them	they	PRON
fsr-3223	642	22	a	a	DET
fsr-3223	642	23	competitive	competitive	ADJ
fsr-3223	642	24	alternative	alternative	NOUN
fsr-3223	642	25	in	in	ADP
fsr-3223	642	26	a	a	DET
fsr-3223	642	27	tdf	tdf	NOUN
fsr-3223	642	28	vis	vis	X
fsr-3223	642	29	-	-	PUNCT
fsr-3223	642	30	à-vis	à-vis	VERB
fsr-3223	642	31	those	those	PRON
fsr-3223	642	32	with	with	ADP
fsr-3223	642	33	indexed	indexed	ADJ
fsr-3223	642	34	underlying	underlie	VERB
fsr-3223	642	35	funds	fund	NOUN
fsr-3223	642	36	.	.	PUNCT
fsr-3223	643	1	there	there	PRON
fsr-3223	643	2	is	be	VERB
fsr-3223	643	3	growing	grow	VERB
fsr-3223	643	4	theoretical	theoretical	ADJ
fsr-3223	643	5	evidence	evidence	NOUN
fsr-3223	643	6	that	that	SCONJ
fsr-3223	643	7	a	a	DET
fsr-3223	643	8	one	one	NUM
fsr-3223	643	9	-	-	PUNCT
fsr-3223	643	10	size	size	NOUN
fsr-3223	643	11	fits	fit	VERB
fsr-3223	643	12	all	all	DET
fsr-3223	643	13	tdf	tdf	PROPN
fsr-3223	643	14	is	be	AUX
fsr-3223	643	15	not	not	PART
fsr-3223	643	16	an	an	DET
fsr-3223	643	17	optimal	optimal	ADJ
fsr-3223	643	18	choice	choice	NOUN
fsr-3223	643	19	.	.	PUNCT
fsr-3223	644	1	incorporating	incorporate	VERB
fsr-3223	644	2	risk	risk	NOUN
fsr-3223	644	3	tolerance	tolerance	NOUN
fsr-3223	644	4	of	of	ADP
fsr-3223	644	5	the	the	DET
fsr-3223	644	6	investor	investor	NOUN
fsr-3223	644	7	in	in	ADP
fsr-3223	644	8	the	the	DET
fsr-3223	644	9	tdf	tdf	PROPN
fsr-3223	644	10	choice	choice	NOUN
fsr-3223	644	11	provides	provide	VERB
fsr-3223	644	12	higher	high	ADJ
fsr-3223	644	13	welfare	welfare	NOUN
fsr-3223	644	14	.	.	PUNCT
fsr-3223	645	1	for	for	ADP
fsr-3223	645	2	example	example	NOUN
fsr-3223	645	3	,	,	PUNCT
fsr-3223	645	4	an	an	DET
fsr-3223	645	5	investor	investor	NOUN
fsr-3223	645	6	whose	whose	DET
fsr-3223	645	7	human	human	ADJ
fsr-3223	645	8	capital	capital	NOUN
fsr-3223	645	9	return	return	NOUN
fsr-3223	645	10	has	have	VERB
fsr-3223	645	11	low	low	ADJ
fsr-3223	645	12	correlation	correlation	NOUN
fsr-3223	645	13	to	to	ADP
fsr-3223	645	14	equity	equity	NOUN
fsr-3223	645	15	market	market	NOUN
fsr-3223	645	16	return	return	NOUN
fsr-3223	645	17	has	have	VERB
fsr-3223	645	18	perhaps	perhaps	ADV
fsr-3223	645	19	higher	high	ADJ
fsr-3223	645	20	risk	risk	NOUN
fsr-3223	645	21	tolerance	tolerance	NOUN
fsr-3223	645	22	in	in	ADP
fsr-3223	645	23	their	their	PRON
fsr-3223	645	24	tdf	tdf	NOUN
fsr-3223	645	25	choices	choice	NOUN
fsr-3223	645	26	.	.	PUNCT
fsr-3223	646	1	under	under	ADP
fsr-3223	646	2	such	such	ADJ
fsr-3223	646	3	circumstances	circumstance	NOUN
fsr-3223	646	4	,	,	PUNCT
fsr-3223	646	5	investors	investor	NOUN
fsr-3223	646	6	can	can	AUX
fsr-3223	646	7	consider	consider	VERB
fsr-3223	646	8	a	a	DET
fsr-3223	646	9	tdf	tdf	NOUN
fsr-3223	646	10	whose	whose	DET
fsr-3223	646	11	target	target	NOUN
fsr-3223	646	12	date	date	NOUN
fsr-3223	646	13	is	be	AUX
fsr-3223	646	14	past	past	ADP
fsr-3223	646	15	the	the	DET
fsr-3223	646	16	intended	intend	VERB
fsr-3223	646	17	retirement	retirement	NOUN
fsr-3223	646	18	year	year	NOUN
fsr-3223	646	19	.	.	PUNCT
fsr-3223	647	1	additionally	additionally	ADV
fsr-3223	647	2	,	,	PUNCT
fsr-3223	647	3	a	a	DET
fsr-3223	647	4	choice	choice	NOUN
fsr-3223	647	5	that	that	PRON
fsr-3223	647	6	incorporates	incorporate	VERB
fsr-3223	647	7	increased	increase	VERB
fsr-3223	647	8	longevity	longevity	NOUN
fsr-3223	647	9	and	and	CCONJ
fsr-3223	647	10	longer	long	ADJ
fsr-3223	647	11	life	life	NOUN
fsr-3223	647	12	spans	span	NOUN
fsr-3223	647	13	will	will	AUX
fsr-3223	647	14	likely	likely	ADV
fsr-3223	647	15	result	result	VERB
fsr-3223	647	16	in	in	ADP
fsr-3223	647	17	higher	high	ADJ
fsr-3223	647	18	utility	utility	NOUN
fsr-3223	647	19	.	.	PUNCT
fsr-3223	648	1	there	there	PRON
fsr-3223	648	2	are	be	VERB
fsr-3223	648	3	two	two	NUM
fsr-3223	648	4	sets	set	NOUN
fsr-3223	648	5	of	of	ADP
fsr-3223	648	6	cash	cash	NOUN
fsr-3223	648	7	flows	flow	NOUN
fsr-3223	648	8	that	that	PRON
fsr-3223	648	9	are	be	AUX
fsr-3223	648	10	often	often	ADV
fsr-3223	648	11	ignored	ignore	VERB
fsr-3223	648	12	in	in	ADP
fsr-3223	648	13	the	the	DET
fsr-3223	648	14	choice	choice	NOUN
fsr-3223	648	15	and	and	CCONJ
fsr-3223	648	16	design	design	NOUN
fsr-3223	648	17	of	of	ADP
fsr-3223	648	18	tdfs	tdfs	NOUN
fsr-3223	648	19	.	.	PUNCT
fsr-3223	649	1	these	these	PRON
fsr-3223	649	2	are	be	AUX
fsr-3223	649	3	:	:	PUNCT
fsr-3223	649	4	(	(	PUNCT
fsr-3223	649	5	1	1	X
fsr-3223	649	6	)	)	PUNCT
fsr-3223	649	7	the	the	DET
fsr-3223	649	8	investor	investor	NOUN
fsr-3223	649	9	’s	’s	PART
fsr-3223	649	10	holdings	holding	NOUN
fsr-3223	649	11	of	of	ADP
fsr-3223	649	12	real	real	ADJ
fsr-3223	649	13	estate	estate	NOUN
fsr-3223	649	14	in	in	ADP
fsr-3223	649	15	the	the	DET
fsr-3223	649	16	form	form	NOUN
fsr-3223	649	17	of	of	ADP
fsr-3223	649	18	primary	primary	ADJ
fsr-3223	649	19	residence	residence	NOUN
fsr-3223	649	20	and	and	CCONJ
fsr-3223	649	21	(	(	PUNCT
fsr-3223	649	22	2	2	NUM
fsr-3223	649	23	)	)	PUNCT
fsr-3223	649	24	defined	define	VERB
fsr-3223	649	25	benefit	benefit	NOUN
fsr-3223	649	26	pension	pension	NOUN
fsr-3223	649	27	cash	cash	NOUN
fsr-3223	649	28	flows	flow	NOUN
fsr-3223	649	29	like	like	ADP
fsr-3223	649	30	social	social	ADJ
fsr-3223	649	31	security	security	NOUN
fsr-3223	649	32	.	.	PUNCT
fsr-3223	650	1	the	the	DET
fsr-3223	650	2	latter	latter	ADJ
fsr-3223	650	3	is	be	AUX
fsr-3223	650	4	quite	quite	ADV
fsr-3223	650	5	like	like	ADP
fsr-3223	650	6	a	a	DET
fsr-3223	650	7	real	real	ADJ
fsr-3223	650	8	asset	asset	NOUN
fsr-3223	650	9	with	with	ADP
fsr-3223	650	10	“	"	PUNCT
fsr-3223	650	11	bond	bond	NOUN
fsr-3223	650	12	like	like	ADP
fsr-3223	650	13	”	"	PUNCT
fsr-3223	650	14	characteristics	characteristic	NOUN
fsr-3223	650	15	.	.	PUNCT
fsr-3223	651	1	according	accord	VERB
fsr-3223	651	2	to	to	ADP
fsr-3223	651	3	jennings	jennings	PROPN
fsr-3223	651	4	and	and	CCONJ
fsr-3223	651	5	reichenstein	reichenstein	PROPN
fsr-3223	651	6	(	(	PUNCT
fsr-3223	651	7	2003	2003	NUM
fsr-3223	651	8	)	)	PUNCT
fsr-3223	651	9	“	"	PUNCT
fsr-3223	651	10	the	the	DET
fsr-3223	651	11	financial	financial	ADJ
fsr-3223	651	12	profession	profession	NOUN
fsr-3223	651	13	ignores	ignore	VERB
fsr-3223	651	14	the	the	DET
fsr-3223	651	15	value	value	NOUN
fsr-3223	651	16	of	of	ADP
fsr-3223	651	17	the	the	DET
fsr-3223	651	18	db	db	PROPN
fsr-3223	651	19	plan	plan	NOUN
fsr-3223	651	20	in	in	ADP
fsr-3223	651	21	calculating	calculate	VERB
fsr-3223	651	22	asset	asset	NOUN
fsr-3223	651	23	allocations	allocation	NOUN
fsr-3223	651	24	,	,	PUNCT
fsr-3223	651	25	it	it	PRON
fsr-3223	651	26	places	place	VERB
fsr-3223	651	27	an	an	DET
fsr-3223	651	28	implicit	implicit	ADJ
fsr-3223	651	29	value	value	NOUN
fsr-3223	651	30	of	of	ADP
fsr-3223	651	31	zero	zero	NUM
fsr-3223	651	32	on	on	ADP
fsr-3223	651	33	db	db	PROPN
fsr-3223	651	34	benefits	benefit	NOUN
fsr-3223	651	35	(	(	PUNCT
fsr-3223	651	36	p.	p.	NOUN
fsr-3223	651	37	197	197	NUM
fsr-3223	651	38	)	)	PUNCT
fsr-3223	651	39	.	.	PUNCT
fsr-3223	651	40	”	"	PUNCT
fsr-3223	652	1	incorporating	incorporate	VERB
fsr-3223	652	2	both	both	PRON
fsr-3223	652	3	of	of	ADP
fsr-3223	652	4	these	these	DET
fsr-3223	652	5	often	often	ADV
fsr-3223	652	6	-	-	PUNCT
fsr-3223	652	7	ignored	ignore	VERB
fsr-3223	652	8	assets	asset	NOUN
fsr-3223	652	9	in	in	ADP
fsr-3223	652	10	the	the	DET
fsr-3223	652	11	tdf	tdf	PROPN
fsr-3223	652	12	choice	choice	NOUN
fsr-3223	652	13	might	might	AUX
fsr-3223	652	14	indicate	indicate	VERB
fsr-3223	652	15	a	a	DET
fsr-3223	652	16	different	different	ADJ
fsr-3223	652	17	level	level	NOUN
fsr-3223	652	18	of	of	ADP
fsr-3223	652	19	risk	risk	NOUN
fsr-3223	652	20	aversion	aversion	NOUN
fsr-3223	652	21	and	and	CCONJ
fsr-3223	652	22	,	,	PUNCT
fsr-3223	652	23	thus	thus	ADV
fsr-3223	652	24	,	,	PUNCT
fsr-3223	652	25	suggest	suggest	VERB
fsr-3223	652	26	a	a	DET
fsr-3223	652	27	different	different	ADJ
fsr-3223	652	28	asset	asset	NOUN
fsr-3223	652	29	allocation	allocation	NOUN
fsr-3223	652	30	pederson	pederson	PROPN
fsr-3223	652	31	(	(	PUNCT
fsr-3223	652	32	2015	2015	NUM
fsr-3223	652	33	)	)	PUNCT
fsr-3223	652	34	.	.	PUNCT
fsr-3223	653	1	the	the	DET
fsr-3223	653	2	importance	importance	NOUN
fsr-3223	653	3	of	of	ADP
fsr-3223	653	4	including	include	VERB
fsr-3223	653	5	real	real	ADJ
fsr-3223	653	6	assets	asset	NOUN
fsr-3223	653	7	in	in	ADP
fsr-3223	653	8	tdfs	tdfs	NOUN
fsr-3223	653	9	is	be	AUX
fsr-3223	653	10	emphasized	emphasize	VERB
fsr-3223	653	11	in	in	ADP
fsr-3223	653	12	many	many	ADJ
fsr-3223	653	13	studies	study	NOUN
fsr-3223	653	14	.	.	PUNCT
fsr-3223	654	1	in	in	ADP
fsr-3223	654	2	ldi	ldi	PROPN
fsr-3223	654	3	,	,	PUNCT
fsr-3223	654	4	many	many	ADJ
fsr-3223	654	5	scholars	scholar	NOUN
fsr-3223	654	6	have	have	AUX
fsr-3223	654	7	modeled	model	VERB
fsr-3223	654	8	the	the	DET
fsr-3223	654	9	retirement	retirement	NOUN
fsr-3223	654	10	liability	liability	NOUN
fsr-3223	654	11	as	as	ADP
fsr-3223	654	12	a	a	DET
fsr-3223	654	13	set	set	NOUN
fsr-3223	654	14	of	of	ADP
fsr-3223	654	15	real	real	ADJ
fsr-3223	654	16	outflows	outflow	NOUN
fsr-3223	654	17	analogous	analogous	ADJ
fsr-3223	654	18	to	to	ADP
fsr-3223	654	19	the	the	DET
fsr-3223	654	20	payout	payout	NOUN
fsr-3223	654	21	on	on	ADP
fsr-3223	654	22	a	a	DET
fsr-3223	654	23	real	real	ADJ
fsr-3223	654	24	annuity	annuity	NOUN
fsr-3223	654	25	.	.	PUNCT
fsr-3223	655	1	therefore	therefore	ADV
fsr-3223	655	2	,	,	PUNCT
fsr-3223	655	3	inflation	inflation	NOUN
fsr-3223	655	4	protection	protection	NOUN
fsr-3223	655	5	appears	appear	VERB
fsr-3223	655	6	to	to	PART
fsr-3223	655	7	be	be	AUX
fsr-3223	655	8	a	a	DET
fsr-3223	655	9	primary	primary	ADJ
fsr-3223	655	10	objective	objective	NOUN
fsr-3223	655	11	of	of	ADP
fsr-3223	655	12	any	any	DET
fsr-3223	655	13	sound	sound	ADJ
fsr-3223	655	14	glide	glide	ADJ
fsr-3223	655	15	path	path	NOUN
fsr-3223	655	16	design	design	NOUN
fsr-3223	655	17	.	.	PUNCT
fsr-3223	656	1	investors	investor	NOUN
fsr-3223	656	2	and	and	CCONJ
fsr-3223	656	3	their	their	PRON
fsr-3223	656	4	advisors	advisor	NOUN
fsr-3223	656	5	should	should	AUX
fsr-3223	656	6	favor	favor	VERB
fsr-3223	656	7	tdfs	tdfs	NOUN
fsr-3223	656	8	that	that	PRON
fsr-3223	656	9	have	have	VERB
fsr-3223	656	10	a	a	DET
fsr-3223	656	11	healthy	healthy	ADJ
fsr-3223	656	12	dosage	dosage	NOUN
fsr-3223	656	13	of	of	ADP
fsr-3223	656	14	real	real	ADJ
fsr-3223	656	15	assets	asset	NOUN
fsr-3223	656	16	like	like	ADP
fsr-3223	656	17	tips	tip	NOUN
fsr-3223	656	18	,	,	PUNCT
fsr-3223	656	19	commodities	commodity	NOUN
fsr-3223	656	20	and	and	CCONJ
fsr-3223	656	21	other	other	ADJ
fsr-3223	656	22	such	such	ADJ
fsr-3223	656	23	assets	asset	NOUN
fsr-3223	656	24	,	,	PUNCT
fsr-3223	656	25	especially	especially	ADV
fsr-3223	656	26	through	through	ADP
fsr-3223	656	27	retirement	retirement	NOUN
fsr-3223	656	28	.	.	PUNCT
fsr-3223	657	1	the	the	DET
fsr-3223	657	2	task	task	NOUN
fsr-3223	657	3	of	of	ADP
fsr-3223	657	4	finding	find	VERB
fsr-3223	657	5	utility	utility	NOUN
fsr-3223	657	6	maximizing	maximize	VERB
fsr-3223	657	7	choices	choice	NOUN
fsr-3223	657	8	is	be	AUX
fsr-3223	657	9	facilitated	facilitate	VERB
fsr-3223	657	10	when	when	SCONJ
fsr-3223	657	11	plan	plan	NOUN
fsr-3223	657	12	sponsors	sponsor	NOUN
fsr-3223	657	13	and	and	CCONJ
fsr-3223	657	14	mutual	mutual	ADJ
fsr-3223	657	15	fund	fund	NOUN
fsr-3223	657	16	companies	company	NOUN
fsr-3223	657	17	offer	offer	VERB
fsr-3223	657	18	tdfs	tdfs	NOUN
fsr-3223	657	19	designed	design	VERB
fsr-3223	657	20	with	with	ADP
fsr-3223	657	21	this	this	DET
fsr-3223	657	22	goal	goal	NOUN
fsr-3223	657	23	in	in	ADP
fsr-3223	657	24	mind	mind	NOUN
fsr-3223	657	25	.	.	PUNCT
fsr-3223	658	1	5.2	5.2	NUM
fsr-3223	658	2	.	.	PUNCT
fsr-3223	659	1	plan	plan	NOUN
fsr-3223	659	2	sponsors	sponsor	NOUN
fsr-3223	659	3	and	and	CCONJ
fsr-3223	659	4	mutual	mutual	ADJ
fsr-3223	659	5	fund	fund	NOUN
fsr-3223	659	6	companies	company	NOUN
fsr-3223	659	7	benz	benz	PROPN
fsr-3223	659	8	(	(	PUNCT
fsr-3223	659	9	2015	2015	NUM
fsr-3223	659	10	)	)	PUNCT
fsr-3223	659	11	characterizes	characterize	VERB
fsr-3223	659	12	tdfs	tdfs	ADJ
fsr-3223	659	13	as	as	ADP
fsr-3223	659	14	“	"	PUNCT
fsr-3223	659	15	blunt	blunt	ADJ
fsr-3223	659	16	instruments	instrument	NOUN
fsr-3223	659	17	.	.	PUNCT
fsr-3223	659	18	”	"	PUNCT
fsr-3223	660	1	there	there	PRON
fsr-3223	660	2	is	be	VERB
fsr-3223	660	3	widespread	widespread	ADJ
fsr-3223	660	4	agreement	agreement	NOUN
fsr-3223	660	5	among	among	ADP
fsr-3223	660	6	academics	academic	NOUN
fsr-3223	660	7	and	and	CCONJ
fsr-3223	660	8	practitioners	practitioner	NOUN
fsr-3223	660	9	that	that	PRON
fsr-3223	660	10	tdf	tdf	PROPN
fsr-3223	660	11	efficiency	efficiency	NOUN
fsr-3223	660	12	can	can	AUX
fsr-3223	660	13	be	be	AUX
fsr-3223	660	14	improved	improve	VERB
fsr-3223	660	15	by	by	ADP
fsr-3223	660	16	broadly	broadly	ADV
fsr-3223	660	17	tailoring	tailor	VERB
fsr-3223	660	18	funds	fund	NOUN
fsr-3223	660	19	to	to	ADP
fsr-3223	660	20	investor	investor	NOUN
fsr-3223	660	21	risk	risk	NOUN
fsr-3223	660	22	preferences	preference	NOUN
fsr-3223	660	23	.	.	PUNCT
fsr-3223	661	1	here	here	ADV
fsr-3223	661	2	are	be	AUX
fsr-3223	661	3	some	some	DET
fsr-3223	661	4	simple	simple	ADJ
fsr-3223	661	5	suggestions	suggestion	NOUN
fsr-3223	661	6	for	for	ADP
fsr-3223	661	7	improving	improve	VERB
fsr-3223	661	8	efficiency	efficiency	NOUN
fsr-3223	661	9	and	and	CCONJ
fsr-3223	661	10	there	there	PRON
fsr-3223	661	11	are	be	VERB
fsr-3223	661	12	long	long	ADJ
fsr-3223	661	13	-	-	PUNCT
fsr-3223	661	14	term	term	NOUN
fsr-3223	661	15	structural	structural	ADJ
fsr-3223	661	16	changes	change	NOUN
fsr-3223	661	17	that	that	PRON
fsr-3223	661	18	can	can	AUX
fsr-3223	661	19	be	be	AUX
fsr-3223	661	20	affected	affect	VERB
fsr-3223	661	21	to	to	PART
fsr-3223	661	22	improve	improve	VERB
fsr-3223	661	23	outcomes	outcome	NOUN
fsr-3223	661	24	for	for	ADP
fsr-3223	661	25	plan	plan	NOUN
fsr-3223	661	26	participants	participant	NOUN
fsr-3223	661	27	.	.	PUNCT
fsr-3223	662	1	anecdotally	anecdotally	ADV
fsr-3223	662	2	,	,	PUNCT
fsr-3223	662	3	numerous	numerous	ADJ
fsr-3223	662	4	defined	define	VERB
fsr-3223	662	5	contribution	contribution	NOUN
fsr-3223	662	6	plans	plan	NOUN
fsr-3223	662	7	offer	offer	VERB
fsr-3223	662	8	tdfs	tdf	VERB
fsr-3223	662	9	from	from	ADP
fsr-3223	662	10	one	one	NUM
fsr-3223	662	11	provider	provider	NOUN
fsr-3223	662	12	only	only	ADV
fsr-3223	662	13	.	.	PUNCT
fsr-3223	663	1	this	this	PRON
fsr-3223	663	2	virtually	virtually	ADV
fsr-3223	663	3	locks	lock	VERB
fsr-3223	663	4	the	the	DET
fsr-3223	663	5	participant	participant	NOUN
fsr-3223	663	6	into	into	ADP
fsr-3223	663	7	a	a	DET
fsr-3223	663	8	glide	glide	ADJ
fsr-3223	663	9	path	path	NOUN
fsr-3223	663	10	that	that	PRON
fsr-3223	663	11	may	may	AUX
fsr-3223	663	12	or	or	CCONJ
fsr-3223	663	13	may	may	AUX
fsr-3223	663	14	not	not	PART
fsr-3223	663	15	be	be	AUX
fsr-3223	663	16	relevant	relevant	ADJ
fsr-3223	663	17	to	to	ADP
fsr-3223	663	18	their	their	PRON
fsr-3223	663	19	256	256	NUM
fsr-3223	663	20	s.	s.	PROPN
fsr-3223	663	21	singh	singh	PROPN
fsr-3223	663	22	/	/	SYM
fsr-3223	663	23	financial	financial	ADJ
fsr-3223	663	24	services	service	NOUN
fsr-3223	663	25	review	review	VERB
fsr-3223	663	26	25	25	NUM
fsr-3223	663	27	(	(	PUNCT
fsr-3223	663	28	2016	2016	NUM
fsr-3223	663	29	)	)	PUNCT
fsr-3223	663	30	235–262	235–262	NUM
fsr-3223	663	31	risk	risk	NOUN
fsr-3223	663	32	tolerance	tolerance	NOUN
fsr-3223	663	33	and	and	CCONJ
fsr-3223	663	34	overall	overall	ADJ
fsr-3223	663	35	portfolio	portfolio	NOUN
fsr-3223	663	36	objectives	objective	NOUN
fsr-3223	663	37	.	.	PUNCT
fsr-3223	664	1	plan	plan	NOUN
fsr-3223	664	2	sponsors	sponsor	NOUN
fsr-3223	664	3	can	can	AUX
fsr-3223	664	4	easily	easily	ADV
fsr-3223	664	5	increase	increase	VERB
fsr-3223	664	6	the	the	DET
fsr-3223	664	7	menu	menu	NOUN
fsr-3223	664	8	choices	choice	NOUN
fsr-3223	664	9	by	by	ADP
fsr-3223	664	10	offering	offer	VERB
fsr-3223	664	11	funds	fund	NOUN
fsr-3223	664	12	from	from	ADP
fsr-3223	664	13	more	more	ADJ
fsr-3223	664	14	than	than	ADP
fsr-3223	664	15	one	one	NUM
fsr-3223	664	16	family	family	NOUN
fsr-3223	664	17	.	.	PUNCT
fsr-3223	665	1	in	in	ADP
fsr-3223	665	2	adding	add	VERB
fsr-3223	665	3	another	another	DET
fsr-3223	665	4	family	family	NOUN
fsr-3223	665	5	of	of	ADP
fsr-3223	665	6	tdfs	tdfs	NOUN
fsr-3223	665	7	,	,	PUNCT
fsr-3223	665	8	it	it	PRON
fsr-3223	665	9	would	would	AUX
fsr-3223	665	10	be	be	AUX
fsr-3223	665	11	ideal	ideal	ADJ
fsr-3223	665	12	to	to	PART
fsr-3223	665	13	have	have	VERB
fsr-3223	665	14	new	new	ADJ
fsr-3223	665	15	ones	one	NOUN
fsr-3223	665	16	that	that	PRON
fsr-3223	665	17	have	have	VERB
fsr-3223	665	18	significantly	significantly	ADV
fsr-3223	665	19	different	different	ADJ
fsr-3223	665	20	glide	glide	NOUN
fsr-3223	665	21	paths	path	NOUN
fsr-3223	665	22	from	from	ADP
fsr-3223	665	23	the	the	DET
fsr-3223	665	24	current	current	ADJ
fsr-3223	665	25	choice	choice	NOUN
fsr-3223	665	26	.	.	PUNCT
fsr-3223	666	1	while	while	SCONJ
fsr-3223	666	2	this	this	PRON
fsr-3223	666	3	would	would	AUX
fsr-3223	666	4	increase	increase	VERB
fsr-3223	666	5	fiduciary	fiduciary	ADJ
fsr-3223	666	6	responsibility	responsibility	NOUN
fsr-3223	666	7	related	relate	VERB
fsr-3223	666	8	to	to	ADP
fsr-3223	666	9	monitoring	monitoring	NOUN
fsr-3223	666	10	,	,	PUNCT
fsr-3223	666	11	it	it	PRON
fsr-3223	666	12	would	would	AUX
fsr-3223	666	13	benefit	benefit	VERB
fsr-3223	666	14	the	the	DET
fsr-3223	666	15	sponsor	sponsor	NOUN
fsr-3223	666	16	with	with	ADP
fsr-3223	666	17	regard	regard	NOUN
fsr-3223	666	18	to	to	ADP
fsr-3223	666	19	the	the	DET
fsr-3223	666	20	fiduciary	fiduciary	ADJ
fsr-3223	666	21	duty	duty	NOUN
fsr-3223	666	22	related	relate	VERB
fsr-3223	666	23	to	to	ADP
fsr-3223	666	24	“	"	PUNCT
fsr-3223	666	25	risk	risk	NOUN
fsr-3223	666	26	appropriateness	appropriateness	NOUN
fsr-3223	666	27	.	.	PUNCT
fsr-3223	666	28	”	"	PUNCT
fsr-3223	667	1	it	it	PRON
fsr-3223	667	2	is	be	AUX
fsr-3223	667	3	acknowledged	acknowledge	VERB
fsr-3223	667	4	that	that	SCONJ
fsr-3223	667	5	the	the	DET
fsr-3223	667	6	question	question	NOUN
fsr-3223	667	7	of	of	ADP
fsr-3223	667	8	picking	pick	VERB
fsr-3223	667	9	the	the	DET
fsr-3223	667	10	fund	fund	NOUN
fsr-3223	667	11	best	well	ADV
fsr-3223	667	12	suited	suit	VERB
fsr-3223	667	13	to	to	ADP
fsr-3223	667	14	the	the	DET
fsr-3223	667	15	risk	risk	NOUN
fsr-3223	667	16	aversion	aversion	NOUN
fsr-3223	667	17	function	function	NOUN
fsr-3223	667	18	of	of	ADP
fsr-3223	667	19	an	an	DET
fsr-3223	667	20	employee	employee	NOUN
fsr-3223	667	21	partially	partially	ADV
fsr-3223	667	22	defeats	defeat	VERB
fsr-3223	667	23	the	the	DET
fsr-3223	667	24	notion	notion	NOUN
fsr-3223	667	25	of	of	ADP
fsr-3223	667	26	a	a	DET
fsr-3223	667	27	single	single	ADJ
fsr-3223	667	28	qualified	qualified	ADJ
fsr-3223	667	29	default	default	NOUN
fsr-3223	667	30	investment	investment	NOUN
fsr-3223	667	31	alternative	alternative	NOUN
fsr-3223	667	32	(	(	PUNCT
fsr-3223	667	33	qdia	qdia	NOUN
fsr-3223	667	34	)	)	PUNCT
fsr-3223	667	35	.	.	PUNCT
fsr-3223	668	1	however	however	ADV
fsr-3223	668	2	,	,	PUNCT
fsr-3223	668	3	if	if	SCONJ
fsr-3223	668	4	this	this	DET
fsr-3223	668	5	selection	selection	NOUN
fsr-3223	668	6	is	be	AUX
fsr-3223	668	7	made	make	VERB
fsr-3223	668	8	part	part	NOUN
fsr-3223	668	9	of	of	ADP
fsr-3223	668	10	an	an	DET
fsr-3223	668	11	employee	employee	NOUN
fsr-3223	668	12	’s	’s	PART
fsr-3223	668	13	onboarding	onboarding	NOUN
fsr-3223	668	14	process	process	NOUN
fsr-3223	668	15	,	,	PUNCT
fsr-3223	668	16	it	it	PRON
fsr-3223	668	17	will	will	AUX
fsr-3223	668	18	lead	lead	VERB
fsr-3223	668	19	to	to	ADP
fsr-3223	668	20	more	more	ADV
fsr-3223	668	21	desirable	desirable	ADJ
fsr-3223	668	22	welfare	welfare	NOUN
fsr-3223	668	23	outcomes	outcome	NOUN
fsr-3223	668	24	.	.	PUNCT
fsr-3223	669	1	for	for	ADP
fsr-3223	669	2	a	a	DET
fsr-3223	669	3	good	good	ADJ
fsr-3223	669	4	exposition	exposition	NOUN
fsr-3223	669	5	on	on	ADP
fsr-3223	669	6	fiduciary	fiduciary	ADJ
fsr-3223	669	7	responsibility	responsibility	NOUN
fsr-3223	669	8	related	relate	VERB
fsr-3223	669	9	to	to	ADP
fsr-3223	669	10	tdfs	tdfs	VERB
fsr-3223	669	11	for	for	SCONJ
fsr-3223	669	12	pension	pension	NOUN
fsr-3223	669	13	plan	plan	NOUN
fsr-3223	669	14	sponsors	sponsor	NOUN
fsr-3223	669	15	see	see	VERB
fsr-3223	669	16	landsberg	landsberg	PROPN
fsr-3223	669	17	(	(	PUNCT
fsr-3223	669	18	2014	2014	NUM
fsr-3223	669	19	)	)	PUNCT
fsr-3223	669	20	.	.	PUNCT
fsr-3223	670	1	the	the	DET
fsr-3223	670	2	risk	risk	NOUN
fsr-3223	670	3	profile	profile	NOUN
fsr-3223	670	4	of	of	ADP
fsr-3223	670	5	the	the	DET
fsr-3223	670	6	tdf	tdf	PROPN
fsr-3223	670	7	is	be	AUX
fsr-3223	670	8	significantly	significantly	ADV
fsr-3223	670	9	influenced	influence	VERB
fsr-3223	670	10	by	by	ADP
fsr-3223	670	11	the	the	DET
fsr-3223	670	12	correlation	correlation	NOUN
fsr-3223	670	13	of	of	ADP
fsr-3223	670	14	human	human	ADJ
fsr-3223	670	15	capital	capital	NOUN
fsr-3223	670	16	returns	return	NOUN
fsr-3223	670	17	to	to	ADP
fsr-3223	670	18	equity	equity	NOUN
fsr-3223	670	19	returns	return	NOUN
fsr-3223	670	20	(	(	PUNCT
fsr-3223	670	21	bodie	bodie	PROPN
fsr-3223	670	22	and	and	CCONJ
fsr-3223	670	23	treussard	treussard	ADJ
fsr-3223	670	24	,	,	PUNCT
fsr-3223	670	25	2007	2007	NUM
fsr-3223	670	26	;	;	PUNCT
fsr-3223	670	27	idzorek	idzorek	NOUN
fsr-3223	670	28	,	,	PUNCT
fsr-3223	670	29	2008	2008	NUM
fsr-3223	670	30	;	;	PUNCT
fsr-3223	670	31	shiller	shiller	PROPN
fsr-3223	670	32	,	,	PUNCT
fsr-3223	670	33	2005	2005	NUM
fsr-3223	670	34	)	)	PUNCT
fsr-3223	670	35	.	.	PUNCT
fsr-3223	671	1	bernard	bernard	PROPN
fsr-3223	671	2	(	(	PUNCT
fsr-3223	671	3	2009	2009	NUM
fsr-3223	671	4	)	)	PUNCT
fsr-3223	671	5	points	point	VERB
fsr-3223	671	6	out	out	ADP
fsr-3223	671	7	that	that	SCONJ
fsr-3223	671	8	“	"	PUNCT
fsr-3223	671	9	target	target	NOUN
fsr-3223	671	10	-	-	PUNCT
fsr-3223	671	11	date	date	NOUN
fsr-3223	671	12	funds	fund	NOUN
fsr-3223	671	13	with	with	ADP
fsr-3223	671	14	a	a	DET
fsr-3223	671	15	retirement	retirement	NOUN
fsr-3223	671	16	date	date	NOUN
fsr-3223	671	17	of	of	ADP
fsr-3223	671	18	2010	2010	NUM
fsr-3223	671	19	have	have	VERB
fsr-3223	671	20	stock	stock	NOUN
fsr-3223	671	21	allocations	allocation	NOUN
fsr-3223	671	22	from	from	ADP
fsr-3223	671	23	9.15	9.15	NUM
fsr-3223	671	24	%	%	NOUN
fsr-3223	671	25	to	to	ADP
fsr-3223	671	26	65	65	NUM
fsr-3223	671	27	%	%	NOUN
fsr-3223	671	28	of	of	ADP
fsr-3223	671	29	their	their	PRON
fsr-3223	671	30	portfolios	portfolio	NOUN
fsr-3223	671	31	.	.	PUNCT
fsr-3223	671	32	”	"	PUNCT
fsr-3223	672	1	prospective	prospective	ADJ
fsr-3223	672	2	buyer	buyer	NOUN
fsr-3223	672	3	of	of	ADP
fsr-3223	672	4	tdfs	tdfs	NOUN
fsr-3223	672	5	would	would	AUX
fsr-3223	672	6	appear	appear	VERB
fsr-3223	672	7	to	to	PART
fsr-3223	672	8	have	have	VERB
fsr-3223	672	9	a	a	DET
fsr-3223	672	10	wide	wide	ADJ
fsr-3223	672	11	range	range	NOUN
fsr-3223	672	12	of	of	ADP
fsr-3223	672	13	risk	risk	NOUN
fsr-3223	672	14	choices	choice	NOUN
fsr-3223	672	15	with	with	ADP
fsr-3223	672	16	which	which	PRON
fsr-3223	672	17	to	to	PART
fsr-3223	672	18	tailor	tailor	VERB
fsr-3223	672	19	their	their	PRON
fsr-3223	672	20	holdings	holding	NOUN
fsr-3223	672	21	.	.	PUNCT
fsr-3223	673	1	plan	plan	NOUN
fsr-3223	673	2	sponsors	sponsor	NOUN
fsr-3223	673	3	should	should	AUX
fsr-3223	673	4	strive	strive	VERB
fsr-3223	673	5	to	to	PART
fsr-3223	673	6	consider	consider	VERB
fsr-3223	673	7	work	work	NOUN
fsr-3223	673	8	force	force	NOUN
fsr-3223	673	9	risk	risk	NOUN
fsr-3223	673	10	characteristics	characteristic	NOUN
fsr-3223	673	11	when	when	SCONJ
fsr-3223	673	12	offering	offer	VERB
fsr-3223	673	13	tdfs	tdfs	NOUN
fsr-3223	673	14	to	to	ADP
fsr-3223	673	15	employees	employee	NOUN
fsr-3223	673	16	.	.	PUNCT
fsr-3223	674	1	one	one	NUM
fsr-3223	674	2	simple	simple	ADJ
fsr-3223	674	3	suggestion	suggestion	NOUN
fsr-3223	674	4	is	be	AUX
fsr-3223	674	5	to	to	PART
fsr-3223	674	6	take	take	VERB
fsr-3223	674	7	into	into	ADP
fsr-3223	674	8	account	account	NOUN
fsr-3223	674	9	the	the	DET
fsr-3223	674	10	correlation	correlation	NOUN
fsr-3223	674	11	of	of	ADP
fsr-3223	674	12	employer	employer	NOUN
fsr-3223	674	13	stock	stock	NOUN
fsr-3223	674	14	returns	return	NOUN
fsr-3223	674	15	to	to	ADP
fsr-3223	674	16	the	the	DET
fsr-3223	674	17	broader	broad	ADJ
fsr-3223	674	18	stock	stock	NOUN
fsr-3223	674	19	market	market	NOUN
fsr-3223	674	20	.	.	PUNCT
fsr-3223	675	1	for	for	ADP
fsr-3223	675	2	example	example	NOUN
fsr-3223	675	3	,	,	PUNCT
fsr-3223	675	4	where	where	SCONJ
fsr-3223	675	5	returns	return	NOUN
fsr-3223	675	6	are	be	AUX
fsr-3223	675	7	highly	highly	ADV
fsr-3223	675	8	correlated	correlate	VERB
fsr-3223	675	9	to	to	ADP
fsr-3223	675	10	stock	stock	NOUN
fsr-3223	675	11	market	market	NOUN
fsr-3223	675	12	returns	return	NOUN
fsr-3223	675	13	,	,	PUNCT
fsr-3223	675	14	in	in	ADP
fsr-3223	675	15	line	line	NOUN
fsr-3223	675	16	with	with	ADP
fsr-3223	675	17	recommendations	recommendation	NOUN
fsr-3223	675	18	of	of	ADP
fsr-3223	675	19	bodie	bodie	PROPN
fsr-3223	675	20	and	and	CCONJ
fsr-3223	675	21	treussard	treussard	NOUN
fsr-3223	675	22	(	(	PUNCT
fsr-3223	675	23	2007	2007	NUM
fsr-3223	675	24	)	)	PUNCT
fsr-3223	675	25	,	,	PUNCT
fsr-3223	675	26	a	a	DET
fsr-3223	675	27	safer	safe	ADJ
fsr-3223	675	28	tdf	tdf	NOUN
fsr-3223	675	29	might	might	AUX
fsr-3223	675	30	be	be	AUX
fsr-3223	675	31	appropriate	appropriate	ADJ
fsr-3223	675	32	.	.	PUNCT
fsr-3223	676	1	stempien	stempien	NOUN
fsr-3223	676	2	and	and	CCONJ
fsr-3223	676	3	zoll	zoll	PROPN
fsr-3223	676	4	(	(	PUNCT
fsr-3223	676	5	2015	2015	NUM
fsr-3223	676	6	)	)	PUNCT
fsr-3223	676	7	report	report	VERB
fsr-3223	676	8	a	a	DET
fsr-3223	676	9	growing	grow	VERB
fsr-3223	676	10	trend	trend	NOUN
fsr-3223	676	11	towards	towards	ADP
fsr-3223	676	12	custom	custom	NOUN
fsr-3223	676	13	glide	glide	NOUN
fsr-3223	676	14	paths	path	NOUN
fsr-3223	676	15	by	by	ADP
fsr-3223	676	16	plan	plan	NOUN
fsr-3223	676	17	sponsors	sponsor	NOUN
fsr-3223	676	18	with	with	ADP
fsr-3223	676	19	a	a	DET
fsr-3223	676	20	unique	unique	ADJ
fsr-3223	676	21	work	work	NOUN
fsr-3223	676	22	force	force	NOUN
fsr-3223	676	23	.	.	PUNCT
fsr-3223	677	1	if	if	SCONJ
fsr-3223	677	2	the	the	DET
fsr-3223	677	3	workforce	workforce	NOUN
fsr-3223	677	4	has	have	VERB
fsr-3223	677	5	a	a	DET
fsr-3223	677	6	similar	similar	ADJ
fsr-3223	677	7	demographic	demographic	NOUN
fsr-3223	677	8	,	,	PUNCT
fsr-3223	677	9	for	for	ADP
fsr-3223	677	10	example	example	NOUN
fsr-3223	677	11	85	85	NUM
fsr-3223	677	12	%	%	NOUN
fsr-3223	677	13	of	of	ADP
fsr-3223	677	14	the	the	DET
fsr-3223	677	15	workers	worker	NOUN
fsr-3223	677	16	are	be	AUX
fsr-3223	677	17	between	between	ADP
fsr-3223	677	18	the	the	DET
fsr-3223	677	19	ages	age	NOUN
fsr-3223	677	20	of	of	ADP
fsr-3223	677	21	25	25	NUM
fsr-3223	677	22	to	to	PART
fsr-3223	677	23	35	35	NUM
fsr-3223	677	24	,	,	PUNCT
fsr-3223	677	25	then	then	ADV
fsr-3223	677	26	a	a	DET
fsr-3223	677	27	custom	custom	NOUN
fsr-3223	677	28	tdf	tdf	PROPN
fsr-3223	677	29	will	will	AUX
fsr-3223	677	30	have	have	VERB
fsr-3223	677	31	a	a	DET
fsr-3223	677	32	greater	great	ADJ
fsr-3223	677	33	fiduciary	fiduciary	ADJ
fsr-3223	677	34	duty	duty	NOUN
fsr-3223	677	35	demonstrability	demonstrability	NOUN
fsr-3223	677	36	than	than	ADP
fsr-3223	677	37	an	an	DET
fsr-3223	677	38	off	off	NOUN
fsr-3223	677	39	the	the	DET
fsr-3223	677	40	shelf	shelf	NOUN
fsr-3223	677	41	product	product	NOUN
fsr-3223	677	42	.	.	PUNCT
fsr-3223	678	1	the	the	DET
fsr-3223	678	2	advice	advice	NOUN
fsr-3223	678	3	in	in	ADP
fsr-3223	678	4	this	this	DET
fsr-3223	678	5	regard	regard	NOUN
fsr-3223	678	6	from	from	ADP
fsr-3223	678	7	bauer	bauer	PROPN
fsr-3223	678	8	,	,	PUNCT
fsr-3223	678	9	phillips	phillip	NOUN
fsr-3223	678	10	,	,	PUNCT
fsr-3223	678	11	and	and	CCONJ
fsr-3223	678	12	white	white	ADJ
fsr-3223	678	13	(	(	PUNCT
fsr-3223	678	14	2009	2009	NUM
fsr-3223	678	15	)	)	PUNCT
fsr-3223	678	16	is	be	AUX
fsr-3223	678	17	twofold	twofold	NOUN
fsr-3223	678	18	:	:	PUNCT
fsr-3223	678	19	custom	custom	NOUN
fsr-3223	678	20	offerings	offering	NOUN
fsr-3223	678	21	with	with	ADP
fsr-3223	678	22	indexed	indexed	ADJ
fsr-3223	678	23	funds	fund	NOUN
fsr-3223	678	24	as	as	ADP
fsr-3223	678	25	underlying	underlying	ADJ
fsr-3223	678	26	options	option	NOUN
fsr-3223	678	27	.	.	PUNCT
fsr-3223	679	1	the	the	DET
fsr-3223	679	2	benefit	benefit	NOUN
fsr-3223	679	3	of	of	ADP
fsr-3223	679	4	indexed	indexed	ADJ
fsr-3223	679	5	offerings	offering	NOUN
fsr-3223	679	6	relate	relate	VERB
fsr-3223	679	7	to	to	ADP
fsr-3223	679	8	compliance	compliance	NOUN
fsr-3223	679	9	and	and	CCONJ
fsr-3223	679	10	due	due	ADJ
fsr-3223	679	11	diligence	diligence	NOUN
fsr-3223	679	12	issues	issue	NOUN
fsr-3223	679	13	while	while	SCONJ
fsr-3223	679	14	the	the	DET
fsr-3223	679	15	second	second	NOUN
fsr-3223	679	16	of	of	ADP
fsr-3223	679	17	custom	custom	NOUN
fsr-3223	679	18	tdf	tdf	PROPN
fsr-3223	679	19	address	address	NOUN
fsr-3223	679	20	transparency	transparency	NOUN
fsr-3223	679	21	and	and	CCONJ
fsr-3223	679	22	relevance	relevance	NOUN
fsr-3223	679	23	for	for	ADP
fsr-3223	679	24	the	the	DET
fsr-3223	679	25	work	work	NOUN
fsr-3223	679	26	force	force	NOUN
fsr-3223	679	27	requirements	requirement	NOUN
fsr-3223	679	28	.	.	PUNCT
fsr-3223	680	1	with	with	ADP
fsr-3223	680	2	individualized	individualized	ADJ
fsr-3223	680	3	asset	asset	NOUN
fsr-3223	680	4	allocation	allocation	NOUN
fsr-3223	680	5	through	through	ADP
fsr-3223	680	6	robo	robo	NOUN
fsr-3223	680	7	-	-	PUNCT
fsr-3223	680	8	advisors	advisor	NOUN
fsr-3223	680	9	becoming	become	VERB
fsr-3223	680	10	increasingly	increasingly	ADV
fsr-3223	680	11	likely	likely	ADJ
fsr-3223	680	12	,	,	PUNCT
fsr-3223	680	13	it	it	PRON
fsr-3223	680	14	might	might	AUX
fsr-3223	680	15	be	be	AUX
fsr-3223	680	16	possible	possible	ADJ
fsr-3223	680	17	soon	soon	ADV
fsr-3223	680	18	to	to	PART
fsr-3223	680	19	move	move	VERB
fsr-3223	680	20	from	from	ADP
fsr-3223	680	21	custom	custom	NOUN
fsr-3223	680	22	target	target	NOUN
fsr-3223	680	23	date	date	NOUN
fsr-3223	680	24	to	to	ADP
fsr-3223	680	25	individualized	individualized	ADJ
fsr-3223	680	26	tdfs	tdfs	NOUN
fsr-3223	680	27	.	.	PUNCT
fsr-3223	681	1	it	it	PRON
fsr-3223	681	2	may	may	AUX
fsr-3223	681	3	be	be	AUX
fsr-3223	681	4	possible	possible	ADJ
fsr-3223	681	5	to	to	PART
fsr-3223	681	6	develop	develop	VERB
fsr-3223	681	7	individualized	individualized	ADJ
fsr-3223	681	8	glide	glide	NOUN
fsr-3223	681	9	paths	path	NOUN
fsr-3223	681	10	for	for	ADP
fsr-3223	681	11	participants	participant	NOUN
fsr-3223	681	12	or	or	CCONJ
fsr-3223	681	13	at	at	ADP
fsr-3223	681	14	least	least	ADJ
fsr-3223	681	15	provide	provide	VERB
fsr-3223	681	16	a	a	DET
fsr-3223	681	17	recommendation	recommendation	NOUN
fsr-3223	681	18	based	base	VERB
fsr-3223	681	19	on	on	ADP
fsr-3223	681	20	information	information	NOUN
fsr-3223	681	21	provided	provide	VERB
fsr-3223	681	22	by	by	ADP
fsr-3223	681	23	an	an	DET
fsr-3223	681	24	employee	employee	NOUN
fsr-3223	681	25	.	.	PUNCT
fsr-3223	682	1	the	the	DET
fsr-3223	682	2	first	first	ADJ
fsr-3223	682	3	step	step	NOUN
fsr-3223	682	4	in	in	ADP
fsr-3223	682	5	this	this	DET
fsr-3223	682	6	regard	regard	NOUN
fsr-3223	682	7	would	would	AUX
fsr-3223	682	8	be	be	AUX
fsr-3223	682	9	to	to	PART
fsr-3223	682	10	incorporate	incorporate	VERB
fsr-3223	682	11	risk	risk	NOUN
fsr-3223	682	12	tolerance	tolerance	NOUN
fsr-3223	682	13	information	information	NOUN
fsr-3223	682	14	as	as	ADP
fsr-3223	682	15	part	part	NOUN
fsr-3223	682	16	of	of	ADP
fsr-3223	682	17	personnel	personnel	NOUN
fsr-3223	682	18	information	information	NOUN
fsr-3223	682	19	.	.	PUNCT
fsr-3223	683	1	with	with	ADP
fsr-3223	683	2	respect	respect	NOUN
fsr-3223	683	3	to	to	ADP
fsr-3223	683	4	mutual	mutual	ADJ
fsr-3223	683	5	fund	fund	NOUN
fsr-3223	683	6	families	family	NOUN
fsr-3223	683	7	,	,	PUNCT
fsr-3223	683	8	it	it	PRON
fsr-3223	683	9	might	might	AUX
fsr-3223	683	10	be	be	AUX
fsr-3223	683	11	worthwhile	worthwhile	ADJ
fsr-3223	683	12	to	to	PART
fsr-3223	683	13	offer	offer	VERB
fsr-3223	683	14	three	three	NUM
fsr-3223	683	15	variants	variant	NOUN
fsr-3223	683	16	of	of	ADP
fsr-3223	683	17	the	the	DET
fsr-3223	683	18	same	same	ADJ
fsr-3223	683	19	target	target	NOUN
fsr-3223	683	20	year	year	NOUN
fsr-3223	683	21	,	,	PUNCT
fsr-3223	683	22	or	or	CCONJ
fsr-3223	683	23	at	at	ADP
fsr-3223	683	24	the	the	DET
fsr-3223	683	25	very	very	ADV
fsr-3223	683	26	least	least	ADJ
fsr-3223	683	27	two	two	NUM
fsr-3223	683	28	.	.	PUNCT
fsr-3223	684	1	the	the	DET
fsr-3223	684	2	glide	glide	ADJ
fsr-3223	684	3	path	path	NOUN
fsr-3223	684	4	can	can	AUX
fsr-3223	684	5	be	be	AUX
fsr-3223	684	6	aggressive	aggressive	ADJ
fsr-3223	684	7	,	,	PUNCT
fsr-3223	684	8	balanced	balanced	ADJ
fsr-3223	684	9	,	,	PUNCT
fsr-3223	684	10	and	and	CCONJ
fsr-3223	684	11	conservative	conservative	ADJ
fsr-3223	684	12	or	or	CCONJ
fsr-3223	684	13	just	just	ADV
fsr-3223	684	14	aggressive	aggressive	ADJ
fsr-3223	684	15	and	and	CCONJ
fsr-3223	684	16	conservative	conservative	ADJ
fsr-3223	684	17	.	.	PUNCT
fsr-3223	685	1	this	this	PRON
fsr-3223	685	2	will	will	AUX
fsr-3223	685	3	enable	enable	VERB
fsr-3223	685	4	investors	investor	NOUN
fsr-3223	685	5	to	to	PART
fsr-3223	685	6	tailor	tailor	VERB
fsr-3223	685	7	risk	risk	NOUN
fsr-3223	685	8	to	to	ADP
fsr-3223	685	9	some	some	DET
fsr-3223	685	10	extent	extent	NOUN
fsr-3223	685	11	without	without	ADP
fsr-3223	685	12	borrowing	borrowing	NOUN
fsr-3223	685	13	or	or	CCONJ
fsr-3223	685	14	short	short	ADJ
fsr-3223	685	15	selling	selling	NOUN
fsr-3223	685	16	in	in	ADP
fsr-3223	685	17	other	other	ADJ
fsr-3223	685	18	parts	part	NOUN
fsr-3223	685	19	of	of	ADP
fsr-3223	685	20	the	the	DET
fsr-3223	685	21	portfolio	portfolio	NOUN
fsr-3223	685	22	.	.	PUNCT
fsr-3223	686	1	alternatively	alternatively	ADV
fsr-3223	686	2	,	,	PUNCT
fsr-3223	686	3	as	as	SCONJ
fsr-3223	686	4	suggested	suggest	VERB
fsr-3223	686	5	earlier	early	ADV
fsr-3223	686	6	,	,	PUNCT
fsr-3223	686	7	this	this	PRON
fsr-3223	686	8	would	would	AUX
fsr-3223	686	9	mitigate	mitigate	VERB
fsr-3223	686	10	the	the	DET
fsr-3223	686	11	need	need	NOUN
fsr-3223	686	12	to	to	PART
fsr-3223	686	13	seek	seek	VERB
fsr-3223	686	14	a	a	DET
fsr-3223	686	15	tdf	tdf	NOUN
fsr-3223	686	16	of	of	ADP
fsr-3223	686	17	a	a	DET
fsr-3223	686	18	vintage	vintage	NOUN
fsr-3223	686	19	different	different	ADJ
fsr-3223	686	20	from	from	ADP
fsr-3223	686	21	the	the	DET
fsr-3223	686	22	intended	intend	VERB
fsr-3223	686	23	retirement	retirement	NOUN
fsr-3223	686	24	year	year	NOUN
fsr-3223	686	25	.	.	PUNCT
fsr-3223	687	1	it	it	PRON
fsr-3223	687	2	is	be	AUX
fsr-3223	687	3	widely	widely	ADV
fsr-3223	687	4	acknowledged	acknowledge	VERB
fsr-3223	687	5	in	in	ADP
fsr-3223	687	6	the	the	DET
fsr-3223	687	7	mutual	mutual	ADJ
fsr-3223	687	8	fund	fund	NOUN
fsr-3223	687	9	industry	industry	NOUN
fsr-3223	687	10	that	that	PRON
fsr-3223	687	11	vanguard	vanguard	NOUN
fsr-3223	687	12	funds	fund	NOUN
fsr-3223	687	13	have	have	VERB
fsr-3223	687	14	one	one	NUM
fsr-3223	687	15	of	of	ADP
fsr-3223	687	16	the	the	DET
fsr-3223	687	17	lower	low	ADJ
fsr-3223	687	18	expense	expense	NOUN
fsr-3223	687	19	ratios	ratio	NOUN
fsr-3223	687	20	in	in	ADP
fsr-3223	687	21	the	the	DET
fsr-3223	687	22	industry	industry	NOUN
fsr-3223	687	23	.	.	PUNCT
fsr-3223	688	1	in	in	ADP
fsr-3223	688	2	bell	bell	PROPN
fsr-3223	688	3	v.	v.	ADP
fsr-3223	688	4	anthem	anthem	NOUN
fsr-3223	688	5	the	the	DET
fsr-3223	688	6	plaintiff	plaintiff	NOUN
fsr-3223	688	7	alleges	allege	VERB
fsr-3223	688	8	excess	excess	ADJ
fsr-3223	688	9	fees	fee	NOUN
fsr-3223	688	10	charged	charge	VERB
fsr-3223	688	11	by	by	ADP
fsr-3223	688	12	the	the	DET
fsr-3223	688	13	anthem	anthem	PROPN
fsr-3223	688	14	401(k	401(k	PROPN
fsr-3223	688	15	)	)	PUNCT
fsr-3223	688	16	plan	plan	NOUN
fsr-3223	688	17	that	that	PRON
fsr-3223	688	18	has	have	VERB
fsr-3223	688	19	about	about	ADP
fsr-3223	688	20	$	$	SYM
fsr-3223	688	21	5	5	NUM
fsr-3223	688	22	billion	billion	NUM
fsr-3223	688	23	in	in	ADP
fsr-3223	688	24	assets	asset	NOUN
fsr-3223	688	25	.	.	PUNCT
fsr-3223	689	1	all	all	DET
fsr-3223	689	2	the	the	DET
fsr-3223	689	3	funds	fund	NOUN
fsr-3223	689	4	in	in	ADP
fsr-3223	689	5	the	the	DET
fsr-3223	689	6	lineup	lineup	NOUN
fsr-3223	689	7	are	be	AUX
fsr-3223	689	8	vanguard	vanguard	NOUN
fsr-3223	689	9	funds	fund	NOUN
fsr-3223	689	10	.	.	PUNCT
fsr-3223	690	1	the	the	DET
fsr-3223	690	2	litigation	litigation	NOUN
fsr-3223	690	3	highlights	highlight	VERB
fsr-3223	690	4	the	the	DET
fsr-3223	690	5	need	need	NOUN
fsr-3223	690	6	for	for	ADP
fsr-3223	690	7	establishing	establish	VERB
fsr-3223	690	8	due	due	ADJ
fsr-3223	690	9	diligence	diligence	NOUN
fsr-3223	690	10	procedures	procedure	NOUN
fsr-3223	690	11	.	.	PUNCT
fsr-3223	691	1	tramell	tramell	NOUN
fsr-3223	691	2	(	(	PUNCT
fsr-3223	691	3	2009	2009	NUM
fsr-3223	691	4	)	)	PUNCT
fsr-3223	691	5	points	point	NOUN
fsr-3223	691	6	to	to	ADP
fsr-3223	691	7	the	the	DET
fsr-3223	691	8	need	need	NOUN
fsr-3223	691	9	for	for	ADP
fsr-3223	691	10	monitoring	monitoring	NOUN
fsr-3223	691	11	and	and	CCONJ
fsr-3223	691	12	controlling	control	VERB
fsr-3223	691	13	fund	fund	NOUN
fsr-3223	691	14	fees	fee	NOUN
fsr-3223	691	15	as	as	SCONJ
fsr-3223	691	16	these	these	PRON
fsr-3223	691	17	can	can	AUX
fsr-3223	691	18	significantly	significantly	ADV
fsr-3223	691	19	affect	affect	VERB
fsr-3223	691	20	retirement	retirement	NOUN
fsr-3223	691	21	outcomes	outcome	NOUN
fsr-3223	691	22	for	for	ADP
fsr-3223	691	23	participants	participant	NOUN
fsr-3223	691	24	.	.	PUNCT
fsr-3223	692	1	257s	257	NOUN
fsr-3223	692	2	.	.	PUNCT
fsr-3223	693	1	singh	singh	PROPN
fsr-3223	693	2	/	/	SYM
fsr-3223	693	3	financial	financial	ADJ
fsr-3223	693	4	services	service	NOUN
fsr-3223	693	5	review	review	VERB
fsr-3223	693	6	25	25	NUM
fsr-3223	693	7	(	(	PUNCT
fsr-3223	693	8	2016	2016	NUM
fsr-3223	693	9	)	)	PUNCT
fsr-3223	693	10	235–262	235–262	NUM
fsr-3223	693	11	5.3	5.3	NUM
fsr-3223	693	12	.	.	PUNCT
fsr-3223	694	1	researchers	researcher	NOUN
fsr-3223	694	2	given	give	VERB
fsr-3223	694	3	longevity	longevity	NOUN
fsr-3223	694	4	increases	increase	NOUN
fsr-3223	694	5	and	and	CCONJ
fsr-3223	694	6	long	long	ADJ
fsr-3223	694	7	retirement	retirement	NOUN
fsr-3223	694	8	horizons	horizon	NOUN
fsr-3223	694	9	,	,	PUNCT
fsr-3223	694	10	an	an	DET
fsr-3223	694	11	answer	answer	NOUN
fsr-3223	694	12	to	to	ADP
fsr-3223	694	13	the	the	DET
fsr-3223	694	14	“	"	PUNCT
fsr-3223	694	15	to	to	ADP
fsr-3223	694	16	and	and	CCONJ
fsr-3223	694	17	through	through	ADP
fsr-3223	694	18	retirement	retirement	NOUN
fsr-3223	694	19	”	"	PUNCT
fsr-3223	694	20	glide	glide	NOUN
fsr-3223	694	21	path	path	NOUN
fsr-3223	694	22	question	question	NOUN
fsr-3223	694	23	is	be	AUX
fsr-3223	694	24	quite	quite	ADV
fsr-3223	694	25	vital	vital	ADJ
fsr-3223	694	26	.	.	PUNCT
fsr-3223	695	1	this	this	PRON
fsr-3223	695	2	is	be	AUX
fsr-3223	695	3	premised	premise	VERB
fsr-3223	695	4	on	on	ADP
fsr-3223	695	5	the	the	DET
fsr-3223	695	6	basic	basic	ADJ
fsr-3223	695	7	issue	issue	NOUN
fsr-3223	695	8	of	of	ADP
fsr-3223	695	9	the	the	DET
fsr-3223	695	10	responsibility	responsibility	NOUN
fsr-3223	695	11	of	of	ADP
fsr-3223	695	12	the	the	DET
fsr-3223	695	13	employer	employer	NOUN
fsr-3223	695	14	or	or	CCONJ
fsr-3223	695	15	the	the	DET
fsr-3223	695	16	mutual	mutual	ADJ
fsr-3223	695	17	fund	fund	NOUN
fsr-3223	695	18	to	to	ADP
fsr-3223	695	19	the	the	DET
fsr-3223	695	20	employee	employee	NOUN
fsr-3223	695	21	.	.	PUNCT
fsr-3223	696	1	does	do	AUX
fsr-3223	696	2	it	it	PRON
fsr-3223	696	3	end	end	VERB
fsr-3223	696	4	at	at	ADP
fsr-3223	696	5	retirement	retirement	NOUN
fsr-3223	696	6	or	or	CCONJ
fsr-3223	696	7	at	at	ADP
fsr-3223	696	8	end	end	NOUN
fsr-3223	696	9	-	-	PUNCT
fsr-3223	696	10	of	of	ADP
fsr-3223	696	11	-	-	PUNCT
fsr-3223	696	12	life	life	NOUN
fsr-3223	696	13	?	?	PUNCT
fsr-3223	697	1	at	at	ADP
fsr-3223	697	2	this	this	DET
fsr-3223	697	3	time	time	NOUN
fsr-3223	697	4	there	there	PRON
fsr-3223	697	5	seems	seem	VERB
fsr-3223	697	6	to	to	PART
fsr-3223	697	7	be	be	AUX
fsr-3223	697	8	no	no	DET
fsr-3223	697	9	definitive	definitive	ADJ
fsr-3223	697	10	answer	answer	NOUN
fsr-3223	697	11	.	.	PUNCT
fsr-3223	698	1	each	each	DET
fsr-3223	698	2	set	set	NOUN
fsr-3223	698	3	of	of	ADP
fsr-3223	698	4	providers	provider	NOUN
fsr-3223	698	5	claim	claim	VERB
fsr-3223	698	6	their	their	PRON
fsr-3223	698	7	glide	glide	ADJ
fsr-3223	698	8	path	path	NOUN
fsr-3223	698	9	to	to	PART
fsr-3223	698	10	be	be	AUX
fsr-3223	698	11	superior	superior	ADJ
fsr-3223	698	12	.	.	PUNCT
fsr-3223	699	1	researchers	researcher	NOUN
fsr-3223	699	2	should	should	AUX
fsr-3223	699	3	try	try	VERB
fsr-3223	699	4	to	to	PART
fsr-3223	699	5	answer	answer	VERB
fsr-3223	699	6	both	both	DET
fsr-3223	699	7	aspects	aspect	NOUN
fsr-3223	699	8	of	of	ADP
fsr-3223	699	9	this	this	DET
fsr-3223	699	10	question	question	NOUN
fsr-3223	699	11	definitively	definitively	ADV
fsr-3223	699	12	.	.	PUNCT
fsr-3223	700	1	the	the	DET
fsr-3223	700	2	discussion	discussion	NOUN
fsr-3223	700	3	on	on	ADP
fsr-3223	700	4	glide	glide	ADJ
fsr-3223	700	5	paths	path	NOUN
fsr-3223	700	6	earlier	early	ADV
fsr-3223	700	7	in	in	ADP
fsr-3223	700	8	this	this	DET
fsr-3223	700	9	paper	paper	NOUN
fsr-3223	700	10	,	,	PUNCT
fsr-3223	700	11	create	create	VERB
fsr-3223	700	12	a	a	DET
fsr-3223	700	13	new	new	ADJ
fsr-3223	700	14	set	set	NOUN
fsr-3223	700	15	of	of	ADP
fsr-3223	700	16	research	research	NOUN
fsr-3223	700	17	possibilities	possibility	NOUN
fsr-3223	700	18	.	.	PUNCT
fsr-3223	701	1	there	there	PRON
fsr-3223	701	2	have	have	AUX
fsr-3223	701	3	been	be	AUX
fsr-3223	701	4	numerous	numerous	ADJ
fsr-3223	701	5	suggestions	suggestion	NOUN
fsr-3223	701	6	on	on	ADP
fsr-3223	701	7	an	an	DET
fsr-3223	701	8	optimal	optimal	ADJ
fsr-3223	701	9	glide	glide	NOUN
fsr-3223	701	10	path	path	NOUN
fsr-3223	701	11	.	.	PUNCT
fsr-3223	702	1	blanchett	blanchett	PROPN
fsr-3223	702	2	and	and	CCONJ
fsr-3223	702	3	straehl	straehl	PROPN
fsr-3223	702	4	(	(	PUNCT
fsr-3223	702	5	2015	2015	NUM
fsr-3223	702	6	)	)	PUNCT
fsr-3223	702	7	present	present	VERB
fsr-3223	702	8	a	a	DET
fsr-3223	702	9	unified	unified	ADJ
fsr-3223	702	10	single	single	ADJ
fsr-3223	702	11	-	-	PUNCT
fsr-3223	702	12	period	period	NOUN
fsr-3223	702	13	framework	framework	NOUN
fsr-3223	702	14	for	for	ADP
fsr-3223	702	15	incorporating	incorporate	VERB
fsr-3223	702	16	non	non	ADJ
fsr-3223	702	17	-	-	ADJ
fsr-3223	702	18	tradeable	tradeable	ADJ
fsr-3223	702	19	assets	asset	NOUN
fsr-3223	702	20	like	like	ADP
fsr-3223	702	21	residential	residential	ADJ
fsr-3223	702	22	home	home	NOUN
fsr-3223	702	23	and	and	CCONJ
fsr-3223	702	24	human	human	ADJ
fsr-3223	702	25	capital	capital	NOUN
fsr-3223	702	26	in	in	ADP
fsr-3223	702	27	the	the	DET
fsr-3223	702	28	portfolio	portfolio	NOUN
fsr-3223	702	29	optimization	optimization	NOUN
fsr-3223	702	30	process	process	NOUN
fsr-3223	702	31	.	.	PUNCT
fsr-3223	703	1	their	their	PRON
fsr-3223	703	2	analysis	analysis	NOUN
fsr-3223	703	3	provides	provide	VERB
fsr-3223	703	4	many	many	ADJ
fsr-3223	703	5	insights	insight	NOUN
fsr-3223	703	6	into	into	ADP
fsr-3223	703	7	the	the	DET
fsr-3223	703	8	design	design	NOUN
fsr-3223	703	9	of	of	ADP
fsr-3223	703	10	next	next	ADJ
fsr-3223	703	11	generation	generation	NOUN
fsr-3223	703	12	glide	glide	NOUN
fsr-3223	703	13	paths	path	NOUN
fsr-3223	703	14	and	and	CCONJ
fsr-3223	703	15	tdfs	tdfs	ADJ
fsr-3223	703	16	.	.	PUNCT
fsr-3223	704	1	the	the	DET
fsr-3223	704	2	question	question	NOUN
fsr-3223	704	3	of	of	ADP
fsr-3223	704	4	the	the	DET
fsr-3223	704	5	optimality	optimality	NOUN
fsr-3223	704	6	of	of	ADP
fsr-3223	704	7	a	a	DET
fsr-3223	704	8	glide	glide	ADJ
fsr-3223	704	9	path	path	NOUN
fsr-3223	704	10	given	give	VERB
fsr-3223	704	11	a	a	DET
fsr-3223	704	12	utility	utility	NOUN
fsr-3223	704	13	function	function	NOUN
fsr-3223	704	14	that	that	PRON
fsr-3223	704	15	incorporates	incorporate	VERB
fsr-3223	704	16	non	non	ADJ
fsr-3223	704	17	-	-	ADJ
fsr-3223	704	18	tradeable	tradeable	ADJ
fsr-3223	704	19	assets	asset	NOUN
fsr-3223	704	20	needs	need	VERB
fsr-3223	704	21	to	to	PART
fsr-3223	704	22	be	be	AUX
fsr-3223	704	23	explored	explore	VERB
fsr-3223	704	24	in	in	ADP
fsr-3223	704	25	greater	great	ADJ
fsr-3223	704	26	detail	detail	NOUN
fsr-3223	704	27	and	and	CCONJ
fsr-3223	704	28	definitively	definitively	ADV
fsr-3223	704	29	answered	answer	VERB
fsr-3223	704	30	.	.	PUNCT
fsr-3223	705	1	two	two	NUM
fsr-3223	705	2	recent	recent	ADJ
fsr-3223	705	3	developments	development	NOUN
fsr-3223	705	4	in	in	ADP
fsr-3223	705	5	the	the	DET
fsr-3223	705	6	tdf	tdf	PROPN
fsr-3223	705	7	market	market	NOUN
fsr-3223	705	8	have	have	AUX
fsr-3223	705	9	created	create	VERB
fsr-3223	705	10	a	a	DET
fsr-3223	705	11	host	host	NOUN
fsr-3223	705	12	of	of	ADP
fsr-3223	705	13	new	new	ADJ
fsr-3223	705	14	research	research	NOUN
fsr-3223	705	15	questions	question	NOUN
fsr-3223	705	16	;	;	PUNCT
fsr-3223	705	17	one	one	NUM
fsr-3223	705	18	set	set	NOUN
fsr-3223	705	19	is	be	AUX
fsr-3223	705	20	regulatory	regulatory	ADJ
fsr-3223	705	21	and	and	CCONJ
fsr-3223	705	22	the	the	DET
fsr-3223	705	23	other	other	ADJ
fsr-3223	705	24	technological	technological	NOUN
fsr-3223	705	25	.	.	PUNCT
fsr-3223	706	1	the	the	DET
fsr-3223	706	2	first	first	ADJ
fsr-3223	706	3	is	be	AUX
fsr-3223	706	4	the	the	DET
fsr-3223	706	5	new	new	ADJ
fsr-3223	706	6	treasury	treasury	NOUN
fsr-3223	706	7	rule	rule	NOUN
fsr-3223	706	8	that	that	PRON
fsr-3223	706	9	permits	permit	VERB
fsr-3223	706	10	the	the	DET
fsr-3223	706	11	holder	holder	NOUN
fsr-3223	706	12	of	of	ADP
fsr-3223	706	13	an	an	DET
fsr-3223	706	14	ira	ira	PROPN
fsr-3223	706	15	or	or	CCONJ
fsr-3223	706	16	401(k	401(k	PROPN
fsr-3223	706	17	)	)	PUNCT
fsr-3223	706	18	to	to	PART
fsr-3223	706	19	invest	invest	VERB
fsr-3223	706	20	up	up	ADP
fsr-3223	706	21	to	to	ADP
fsr-3223	706	22	the	the	DET
fsr-3223	706	23	larger	large	ADJ
fsr-3223	706	24	of	of	ADP
fsr-3223	706	25	25	25	NUM
fsr-3223	706	26	%	%	NOUN
fsr-3223	706	27	or	or	CCONJ
fsr-3223	706	28	$	$	SYM
fsr-3223	706	29	125,000	125,000	NUM
fsr-3223	706	30	of	of	ADP
fsr-3223	706	31	the	the	DET
fsr-3223	706	32	portfolio	portfolio	NOUN
fsr-3223	706	33	in	in	ADP
fsr-3223	706	34	a	a	DET
fsr-3223	706	35	longevity	longevity	NOUN
fsr-3223	706	36	annuity	annuity	NOUN
fsr-3223	706	37	.	.	PUNCT
fsr-3223	707	1	more	more	ADV
fsr-3223	707	2	important	important	ADJ
fsr-3223	707	3	,	,	PUNCT
fsr-3223	707	4	through	through	ADP
fsr-3223	707	5	notice	notice	NOUN
fsr-3223	707	6	2014–66	2014–66	NOUN
fsr-3223	707	7	,	,	PUNCT
fsr-3223	707	8	the	the	DET
fsr-3223	707	9	u.s	u.s	PROPN
fsr-3223	707	10	.	.	PROPN
fsr-3223	707	11	treasury	treasury	PROPN
fsr-3223	707	12	(	(	PUNCT
fsr-3223	707	13	2014	2014	NUM
fsr-3223	707	14	)	)	PUNCT
fsr-3223	707	15	further	further	ADJ
fsr-3223	707	16	permits	permit	NOUN
fsr-3223	707	17	tdfs	tdf	VERB
fsr-3223	707	18	to	to	PART
fsr-3223	707	19	offer	offer	VERB
fsr-3223	707	20	deferred	deferred	ADJ
fsr-3223	707	21	annuities	annuity	NOUN
fsr-3223	707	22	as	as	ADP
fsr-3223	707	23	a	a	DET
fsr-3223	707	24	part	part	NOUN
fsr-3223	707	25	of	of	ADP
fsr-3223	707	26	the	the	DET
fsr-3223	707	27	asset	asset	NOUN
fsr-3223	707	28	allocation	allocation	NOUN
fsr-3223	707	29	,	,	PUNCT
fsr-3223	707	30	without	without	ADP
fsr-3223	707	31	violating	violate	VERB
fsr-3223	707	32	discrimination	discrimination	NOUN
fsr-3223	707	33	rules	rule	NOUN
fsr-3223	707	34	,	,	PUNCT
fsr-3223	707	35	as	as	ADV
fsr-3223	707	36	long	long	ADV
fsr-3223	707	37	as	as	SCONJ
fsr-3223	707	38	certain	certain	ADJ
fsr-3223	707	39	conditions	condition	NOUN
fsr-3223	707	40	are	be	AUX
fsr-3223	707	41	met	meet	VERB
fsr-3223	707	42	.	.	PUNCT
fsr-3223	708	1	one	one	NUM
fsr-3223	708	2	of	of	ADP
fsr-3223	708	3	the	the	DET
fsr-3223	708	4	questions	question	NOUN
fsr-3223	708	5	examined	examine	VERB
fsr-3223	708	6	by	by	ADP
fsr-3223	708	7	researchers	researcher	NOUN
fsr-3223	708	8	previously	previously	ADV
fsr-3223	708	9	(	(	PUNCT
fsr-3223	708	10	pfau	pfau	NOUN
fsr-3223	708	11	,	,	PUNCT
fsr-3223	708	12	2014	2014	NUM
fsr-3223	708	13	;	;	PUNCT
fsr-3223	708	14	spitzer	spitzer	NOUN
fsr-3223	708	15	and	and	CCONJ
fsr-3223	708	16	singh	singh	PROPN
fsr-3223	708	17	,	,	PUNCT
fsr-3223	708	18	2008	2008	NUM
fsr-3223	708	19	)	)	PUNCT
fsr-3223	708	20	,	,	PUNCT
fsr-3223	708	21	focuses	focus	VERB
fsr-3223	708	22	on	on	ADP
fsr-3223	708	23	the	the	DET
fsr-3223	708	24	longevity	longevity	NOUN
fsr-3223	708	25	risk	risk	NOUN
fsr-3223	708	26	faced	face	VERB
fsr-3223	708	27	with	with	ADP
fsr-3223	708	28	different	different	ADJ
fsr-3223	708	29	glide	glide	NOUN
fsr-3223	708	30	paths	path	NOUN
fsr-3223	708	31	during	during	ADP
fsr-3223	708	32	retirement	retirement	NOUN
fsr-3223	708	33	.	.	PUNCT
fsr-3223	709	1	the	the	DET
fsr-3223	709	2	inclusion	inclusion	NOUN
fsr-3223	709	3	of	of	ADP
fsr-3223	709	4	longevity	longevity	NOUN
fsr-3223	709	5	and	and	CCONJ
fsr-3223	709	6	deferred	deferred	ADJ
fsr-3223	709	7	annuities	annuity	NOUN
fsr-3223	709	8	alters	alter	VERB
fsr-3223	709	9	the	the	DET
fsr-3223	709	10	optimal	optimal	ADJ
fsr-3223	709	11	asset	asset	NOUN
fsr-3223	709	12	allocation	allocation	NOUN
fsr-3223	709	13	profiles	profile	NOUN
fsr-3223	709	14	of	of	ADP
fsr-3223	709	15	tdfs	tdfs	NOUN
fsr-3223	709	16	,	,	PUNCT
fsr-3223	709	17	and	and	CCONJ
fsr-3223	709	18	the	the	DET
fsr-3223	709	19	actuarial	actuarial	ADJ
fsr-3223	709	20	probabilities	probability	NOUN
fsr-3223	709	21	of	of	ADP
fsr-3223	709	22	longevity	longevity	NOUN
fsr-3223	709	23	risk	risk	NOUN
fsr-3223	709	24	.	.	PUNCT
fsr-3223	710	1	a	a	DET
fsr-3223	710	2	host	host	NOUN
fsr-3223	710	3	of	of	ADP
fsr-3223	710	4	new	new	ADJ
fsr-3223	710	5	questions	question	NOUN
fsr-3223	710	6	need	need	VERB
fsr-3223	710	7	to	to	PART
fsr-3223	710	8	now	now	ADV
fsr-3223	710	9	be	be	AUX
fsr-3223	710	10	answered	answer	VERB
fsr-3223	710	11	.	.	PUNCT
fsr-3223	711	1	as	as	SCONJ
fsr-3223	711	2	the	the	DET
fsr-3223	711	3	permission	permission	NOUN
fsr-3223	711	4	to	to	PART
fsr-3223	711	5	offer	offer	VERB
fsr-3223	711	6	annuities	annuity	NOUN
fsr-3223	711	7	is	be	AUX
fsr-3223	711	8	fairly	fairly	ADV
fsr-3223	711	9	recent	recent	ADJ
fsr-3223	711	10	,	,	PUNCT
fsr-3223	711	11	research	research	NOUN
fsr-3223	711	12	needs	need	VERB
fsr-3223	711	13	to	to	PART
fsr-3223	711	14	be	be	AUX
fsr-3223	711	15	conducted	conduct	VERB
fsr-3223	711	16	on	on	ADP
fsr-3223	711	17	the	the	DET
fsr-3223	711	18	optimal	optimal	ADJ
fsr-3223	711	19	pricing	pricing	NOUN
fsr-3223	711	20	of	of	ADP
fsr-3223	711	21	these	these	DET
fsr-3223	711	22	annuities	annuity	NOUN
fsr-3223	711	23	and	and	CCONJ
fsr-3223	711	24	their	their	PRON
fsr-3223	711	25	influence	influence	NOUN
fsr-3223	711	26	on	on	ADP
fsr-3223	711	27	the	the	DET
fsr-3223	711	28	risk	risk	NOUN
fsr-3223	711	29	profiles	profile	NOUN
fsr-3223	711	30	of	of	ADP
fsr-3223	711	31	tdfs	tdfs	NOUN
fsr-3223	711	32	.	.	PUNCT
fsr-3223	712	1	the	the	DET
fsr-3223	712	2	second	second	ADJ
fsr-3223	712	3	development	development	NOUN
fsr-3223	712	4	is	be	AUX
fsr-3223	712	5	the	the	DET
fsr-3223	712	6	mechanization	mechanization	NOUN
fsr-3223	712	7	of	of	ADP
fsr-3223	712	8	investment	investment	NOUN
fsr-3223	712	9	advice	advice	NOUN
fsr-3223	712	10	.	.	PUNCT
fsr-3223	713	1	the	the	DET
fsr-3223	713	2	infiltration	infiltration	NOUN
fsr-3223	713	3	of	of	ADP
fsr-3223	713	4	robo	robo	NOUN
fsr-3223	713	5	-	-	PUNCT
fsr-3223	713	6	advisors	advisor	NOUN
fsr-3223	713	7	in	in	ADP
fsr-3223	713	8	the	the	DET
fsr-3223	713	9	investment	investment	NOUN
fsr-3223	713	10	advice	advice	NOUN
fsr-3223	713	11	market	market	NOUN
fsr-3223	713	12	provides	provide	VERB
fsr-3223	713	13	a	a	DET
fsr-3223	713	14	fertile	fertile	ADJ
fsr-3223	713	15	ground	ground	NOUN
fsr-3223	713	16	for	for	ADP
fsr-3223	713	17	the	the	DET
fsr-3223	713	18	implementation	implementation	NOUN
fsr-3223	713	19	of	of	ADP
fsr-3223	713	20	the	the	DET
fsr-3223	713	21	idea	idea	NOUN
fsr-3223	713	22	of	of	ADP
fsr-3223	713	23	individualized	individualized	ADJ
fsr-3223	713	24	glide	glide	NOUN
fsr-3223	713	25	paths	path	NOUN
fsr-3223	713	26	.	.	PUNCT
fsr-3223	714	1	tdf	tdf	PROPN
fsr-3223	714	2	glide	glide	PROPN
fsr-3223	714	3	paths	path	NOUN
fsr-3223	714	4	that	that	PRON
fsr-3223	714	5	incorporate	incorporate	VERB
fsr-3223	714	6	risk	risk	NOUN
fsr-3223	714	7	tolerance	tolerance	NOUN
fsr-3223	714	8	individually	individually	ADV
fsr-3223	714	9	may	may	AUX
fsr-3223	714	10	not	not	PART
fsr-3223	714	11	be	be	AUX
fsr-3223	714	12	a	a	DET
fsr-3223	714	13	far	far	ADV
fsr-3223	714	14	-	-	PUNCT
fsr-3223	714	15	fetched	fetch	VERB
fsr-3223	714	16	idea	idea	NOUN
fsr-3223	714	17	.	.	PUNCT
fsr-3223	715	1	the	the	DET
fsr-3223	715	2	day	day	NOUN
fsr-3223	715	3	may	may	AUX
fsr-3223	715	4	not	not	PART
fsr-3223	715	5	be	be	AUX
fsr-3223	715	6	far	far	ADV
fsr-3223	715	7	off	off	ADP
fsr-3223	715	8	where	where	SCONJ
fsr-3223	715	9	an	an	DET
fsr-3223	715	10	individualized	individualized	ADJ
fsr-3223	715	11	glide	glide	NOUN
fsr-3223	715	12	path	path	NOUN
fsr-3223	715	13	is	be	AUX
fsr-3223	715	14	generated	generate	VERB
fsr-3223	715	15	for	for	ADP
fsr-3223	715	16	participants	participant	NOUN
fsr-3223	715	17	based	base	VERB
fsr-3223	715	18	on	on	ADP
fsr-3223	715	19	the	the	DET
fsr-3223	715	20	information	information	NOUN
fsr-3223	715	21	collected	collect	VERB
fsr-3223	715	22	from	from	ADP
fsr-3223	715	23	their	their	PRON
fsr-3223	715	24	personnel	personnel	NOUN
fsr-3223	715	25	file	file	NOUN
fsr-3223	715	26	or	or	CCONJ
fsr-3223	715	27	the	the	DET
fsr-3223	715	28	initial	initial	ADJ
fsr-3223	715	29	employment	employment	NOUN
fsr-3223	715	30	interview	interview	NOUN
fsr-3223	715	31	.	.	PUNCT
fsr-3223	716	1	tdf	tdf	PROPN
fsr-3223	716	2	evaluation	evaluation	NOUN
fsr-3223	716	3	mechanisms	mechanism	NOUN
fsr-3223	716	4	are	be	AUX
fsr-3223	716	5	still	still	ADV
fsr-3223	716	6	in	in	ADP
fsr-3223	716	7	their	their	PRON
fsr-3223	716	8	infancy	infancy	NOUN
fsr-3223	716	9	.	.	PUNCT
fsr-3223	717	1	there	there	PRON
fsr-3223	717	2	are	be	VERB
fsr-3223	717	3	a	a	DET
fsr-3223	717	4	number	number	NOUN
fsr-3223	717	5	of	of	ADP
fsr-3223	717	6	indexes	index	NOUN
fsr-3223	717	7	now	now	ADV
fsr-3223	717	8	available	available	ADJ
fsr-3223	717	9	to	to	PART
fsr-3223	717	10	benchmark	benchmark	VERB
fsr-3223	717	11	tdf	tdf	NOUN
fsr-3223	717	12	performance	performance	NOUN
fsr-3223	717	13	.	.	PUNCT
fsr-3223	718	1	each	each	DET
fsr-3223	718	2	index	index	NOUN
fsr-3223	718	3	has	have	VERB
fsr-3223	718	4	strengths	strength	NOUN
fsr-3223	718	5	and	and	CCONJ
fsr-3223	718	6	weaknesses	weakness	NOUN
fsr-3223	718	7	.	.	PUNCT
fsr-3223	719	1	a	a	DET
fsr-3223	719	2	comprehensive	comprehensive	ADJ
fsr-3223	719	3	comparative	comparative	ADJ
fsr-3223	719	4	index	index	NOUN
fsr-3223	719	5	evaluation	evaluation	NOUN
fsr-3223	719	6	would	would	AUX
fsr-3223	719	7	provide	provide	VERB
fsr-3223	719	8	useful	useful	ADJ
fsr-3223	719	9	information	information	NOUN
fsr-3223	719	10	to	to	ADP
fsr-3223	719	11	defined	define	VERB
fsr-3223	719	12	contribution	contribution	NOUN
fsr-3223	719	13	plan	plan	NOUN
fsr-3223	719	14	providers	provider	NOUN
fsr-3223	719	15	and	and	CCONJ
fsr-3223	719	16	consultants	consultant	NOUN
fsr-3223	719	17	.	.	PUNCT
fsr-3223	720	1	moreover	moreover	ADV
fsr-3223	720	2	,	,	PUNCT
fsr-3223	720	3	the	the	DET
fsr-3223	720	4	impact	impact	NOUN
fsr-3223	720	5	of	of	ADP
fsr-3223	720	6	building	build	VERB
fsr-3223	720	7	indexes	index	NOUN
fsr-3223	720	8	that	that	PRON
fsr-3223	720	9	has	have	VERB
fsr-3223	720	10	underlying	underlie	VERB
fsr-3223	720	11	indexes	index	NOUN
fsr-3223	720	12	instead	instead	ADV
fsr-3223	720	13	of	of	ADP
fsr-3223	720	14	individual	individual	ADJ
fsr-3223	720	15	securities	security	NOUN
fsr-3223	720	16	as	as	ADP
fsr-3223	720	17	components	component	NOUN
fsr-3223	720	18	,	,	PUNCT
fsr-3223	720	19	needs	need	VERB
fsr-3223	720	20	attention	attention	NOUN
fsr-3223	720	21	and	and	CCONJ
fsr-3223	720	22	analysis	analysis	NOUN
fsr-3223	720	23	.	.	PUNCT
fsr-3223	721	1	one	one	NUM
fsr-3223	721	2	of	of	ADP
fsr-3223	721	3	the	the	DET
fsr-3223	721	4	other	other	ADJ
fsr-3223	721	5	growing	grow	VERB
fsr-3223	721	6	and	and	CCONJ
fsr-3223	721	7	popular	popular	ADJ
fsr-3223	721	8	approaches	approach	NOUN
fsr-3223	721	9	to	to	ADP
fsr-3223	721	10	designing	design	VERB
fsr-3223	721	11	glide	glide	NOUN
fsr-3223	721	12	paths	path	NOUN
fsr-3223	721	13	is	be	AUX
fsr-3223	721	14	liability	liability	NOUN
fsr-3223	721	15	driven	drive	VERB
fsr-3223	721	16	investing	investing	NOUN
fsr-3223	721	17	or	or	CCONJ
fsr-3223	721	18	ldi	ldi	PROPN
fsr-3223	721	19	.	.	PUNCT
fsr-3223	722	1	currently	currently	ADV
fsr-3223	722	2	most	most	ADV
fsr-3223	722	3	ldi	ldi	PROPN
fsr-3223	722	4	related	relate	VERB
fsr-3223	722	5	to	to	ADP
fsr-3223	722	6	tdfs	tdfs	NOUN
fsr-3223	722	7	assume	assume	VERB
fsr-3223	722	8	the	the	DET
fsr-3223	722	9	retirement	retirement	NOUN
fsr-3223	722	10	liability	liability	NOUN
fsr-3223	722	11	to	to	PART
fsr-3223	722	12	be	be	AUX
fsr-3223	722	13	a	a	DET
fsr-3223	722	14	set	set	NOUN
fsr-3223	722	15	of	of	ADP
fsr-3223	722	16	real	real	ADJ
fsr-3223	722	17	cash	cash	NOUN
fsr-3223	722	18	outflows	outflow	NOUN
fsr-3223	722	19	.	.	PUNCT
fsr-3223	723	1	to	to	ADP
fsr-3223	723	2	the	the	DET
fsr-3223	723	3	best	good	ADJ
fsr-3223	723	4	of	of	ADP
fsr-3223	723	5	this	this	DET
fsr-3223	723	6	author	author	NOUN
fsr-3223	723	7	’s	’s	PART
fsr-3223	723	8	knowledge	knowledge	NOUN
fsr-3223	723	9	,	,	PUNCT
fsr-3223	723	10	no	no	DET
fsr-3223	723	11	effort	effort	NOUN
fsr-3223	723	12	to	to	PART
fsr-3223	723	13	model	model	VERB
fsr-3223	723	14	stochastic	stochastic	ADJ
fsr-3223	723	15	shocks	shock	NOUN
fsr-3223	723	16	to	to	ADP
fsr-3223	723	17	accumulation	accumulation	NOUN
fsr-3223	723	18	or	or	CCONJ
fsr-3223	723	19	decumulation	decumulation	NOUN
fsr-3223	723	20	cash	cash	NOUN
fsr-3223	723	21	flows	flow	NOUN
fsr-3223	723	22	,	,	PUNCT
fsr-3223	723	23	like	like	ADP
fsr-3223	723	24	unanticipated	unanticipated	ADJ
fsr-3223	723	25	health	health	NOUN
fsr-3223	723	26	care	care	NOUN
fsr-3223	723	27	costs	cost	NOUN
fsr-3223	723	28	,	,	PUNCT
fsr-3223	723	29	has	have	AUX
fsr-3223	723	30	been	be	AUX
fsr-3223	723	31	attempted	attempt	VERB
fsr-3223	723	32	.	.	PUNCT
fsr-3223	724	1	in	in	ADP
fsr-3223	724	2	the	the	DET
fsr-3223	724	3	modeling	modeling	NOUN
fsr-3223	724	4	of	of	ADP
fsr-3223	724	5	glide	glide	ADJ
fsr-3223	724	6	paths	path	NOUN
fsr-3223	724	7	incorporating	incorporate	VERB
fsr-3223	724	8	such	such	ADJ
fsr-3223	724	9	situations	situation	NOUN
fsr-3223	724	10	,	,	PUNCT
fsr-3223	724	11	an	an	DET
fsr-3223	724	12	258	258	NUM
fsr-3223	724	13	s.	s.	PROPN
fsr-3223	724	14	singh	singh	PROPN
fsr-3223	724	15	/	/	SYM
fsr-3223	724	16	financial	financial	ADJ
fsr-3223	724	17	services	service	NOUN
fsr-3223	724	18	review	review	VERB
fsr-3223	724	19	25	25	NUM
fsr-3223	724	20	(	(	PUNCT
fsr-3223	724	21	2016	2016	NUM
fsr-3223	724	22	)	)	PUNCT
fsr-3223	725	1	235–262	235–262	NUM
fsr-3223	725	2	interesting	interesting	ADJ
fsr-3223	725	3	line	line	NOUN
fsr-3223	725	4	of	of	ADP
fsr-3223	725	5	inquiry	inquiry	NOUN
fsr-3223	725	6	would	would	AUX
fsr-3223	725	7	involve	involve	VERB
fsr-3223	725	8	a	a	DET
fsr-3223	725	9	comparative	comparative	ADJ
fsr-3223	725	10	evaluation	evaluation	NOUN
fsr-3223	725	11	of	of	ADP
fsr-3223	725	12	risk	risk	NOUN
fsr-3223	725	13	tolerance	tolerance	NOUN
fsr-3223	725	14	of	of	ADP
fsr-3223	725	15	a	a	DET
fsr-3223	725	16	group	group	NOUN
fsr-3223	725	17	of	of	ADP
fsr-3223	725	18	employees	employee	NOUN
fsr-3223	725	19	as	as	SCONJ
fsr-3223	725	20	opposed	oppose	VERB
fsr-3223	725	21	to	to	ADP
fsr-3223	725	22	the	the	DET
fsr-3223	725	23	risk	risk	NOUN
fsr-3223	725	24	capacity	capacity	NOUN
fsr-3223	725	25	needed	need	VERB
fsr-3223	725	26	to	to	PART
fsr-3223	725	27	meet	meet	VERB
fsr-3223	725	28	their	their	PRON
fsr-3223	725	29	retirement	retirement	NOUN
fsr-3223	725	30	liabilities	liability	NOUN
fsr-3223	725	31	.	.	PUNCT
fsr-3223	726	1	an	an	DET
fsr-3223	726	2	effort	effort	NOUN
fsr-3223	726	3	in	in	ADP
fsr-3223	726	4	this	this	DET
fsr-3223	726	5	regard	regard	NOUN
fsr-3223	726	6	,	,	PUNCT
fsr-3223	726	7	would	would	AUX
fsr-3223	726	8	be	be	AUX
fsr-3223	726	9	a	a	DET
fsr-3223	726	10	valuable	valuable	ADJ
fsr-3223	726	11	addition	addition	NOUN
fsr-3223	726	12	to	to	ADP
fsr-3223	726	13	the	the	DET
fsr-3223	726	14	body	body	NOUN
fsr-3223	726	15	of	of	ADP
fsr-3223	726	16	knowledge	knowledge	NOUN
fsr-3223	726	17	.	.	PUNCT
fsr-3223	727	1	6	6	X
fsr-3223	727	2	.	.	X
fsr-3223	727	3	conclusion	conclusion	NOUN
fsr-3223	727	4	aided	aid	VERB
fsr-3223	727	5	by	by	ADP
fsr-3223	727	6	a	a	DET
fsr-3223	727	7	favorable	favorable	ADJ
fsr-3223	727	8	regulatory	regulatory	ADJ
fsr-3223	727	9	environment	environment	NOUN
fsr-3223	727	10	,	,	PUNCT
fsr-3223	727	11	tdfs	tdfs	NOUN
fsr-3223	727	12	have	have	AUX
fsr-3223	727	13	experienced	experience	VERB
fsr-3223	727	14	unprecedented	unprecedented	ADJ
fsr-3223	727	15	flow	flow	NOUN
fsr-3223	727	16	of	of	ADP
fsr-3223	727	17	funds	fund	NOUN
fsr-3223	727	18	over	over	ADP
fsr-3223	727	19	the	the	DET
fsr-3223	727	20	past	past	ADJ
fsr-3223	727	21	eight	eight	NUM
fsr-3223	727	22	years	year	NOUN
fsr-3223	727	23	.	.	PUNCT
fsr-3223	728	1	there	there	PRON
fsr-3223	728	2	seem	seem	VERB
fsr-3223	728	3	to	to	PART
fsr-3223	728	4	be	be	AUX
fsr-3223	728	5	two	two	NUM
fsr-3223	728	6	complimentary	complimentary	ADJ
fsr-3223	728	7	approaches	approach	NOUN
fsr-3223	728	8	to	to	ADP
fsr-3223	728	9	the	the	DET
fsr-3223	728	10	design	design	NOUN
fsr-3223	728	11	of	of	ADP
fsr-3223	728	12	tdf	tdf	PROPN
fsr-3223	728	13	glide	glide	PROPN
fsr-3223	728	14	path	path	NOUN
fsr-3223	728	15	.	.	PUNCT
fsr-3223	729	1	the	the	DET
fsr-3223	729	2	first	first	ADJ
fsr-3223	729	3	is	be	AUX
fsr-3223	729	4	in	in	ADP
fsr-3223	729	5	the	the	DET
fsr-3223	729	6	theory	theory	NOUN
fsr-3223	729	7	of	of	ADP
fsr-3223	729	8	portfolio	portfolio	NOUN
fsr-3223	729	9	choice	choice	NOUN
fsr-3223	729	10	in	in	ADP
fsr-3223	729	11	the	the	DET
fsr-3223	729	12	presence	presence	NOUN
fsr-3223	729	13	of	of	ADP
fsr-3223	729	14	nontraded	nontraded	ADJ
fsr-3223	729	15	assets	asset	NOUN
fsr-3223	729	16	like	like	ADP
fsr-3223	729	17	human	human	ADJ
fsr-3223	729	18	capital	capital	NOUN
fsr-3223	729	19	and	and	CCONJ
fsr-3223	729	20	the	the	DET
fsr-3223	729	21	second	second	ADJ
fsr-3223	729	22	is	be	AUX
fsr-3223	729	23	rooted	root	VERB
fsr-3223	729	24	in	in	ADP
fsr-3223	729	25	the	the	DET
fsr-3223	729	26	ultimate	ultimate	ADJ
fsr-3223	729	27	goal	goal	NOUN
fsr-3223	729	28	of	of	ADP
fsr-3223	729	29	meeting	meet	VERB
fsr-3223	729	30	retirement	retirement	NOUN
fsr-3223	729	31	liabilities	liability	NOUN
fsr-3223	729	32	.	.	PUNCT
fsr-3223	730	1	most	most	ADJ
fsr-3223	730	2	of	of	ADP
fsr-3223	730	3	the	the	DET
fsr-3223	730	4	empirical	empirical	ADJ
fsr-3223	730	5	evidence	evidence	NOUN
fsr-3223	730	6	on	on	ADP
fsr-3223	730	7	tdfs	tdfs	ADJ
fsr-3223	730	8	calls	call	NOUN
fsr-3223	730	9	for	for	ADP
fsr-3223	730	10	better	well	ADJ
fsr-3223	730	11	design	design	NOUN
fsr-3223	730	12	of	of	ADP
fsr-3223	730	13	glide	glide	NOUN
fsr-3223	730	14	paths	path	NOUN
fsr-3223	730	15	.	.	PUNCT
fsr-3223	731	1	given	give	VERB
fsr-3223	731	2	the	the	DET
fsr-3223	731	3	long	long	ADJ
fsr-3223	731	4	-	-	PUNCT
fsr-3223	731	5	term	term	NOUN
fsr-3223	731	6	horizon	horizon	NOUN
fsr-3223	731	7	of	of	ADP
fsr-3223	731	8	tdf	tdf	PROPN
fsr-3223	731	9	strategies	strategy	NOUN
fsr-3223	731	10	,	,	PUNCT
fsr-3223	731	11	performance	performance	NOUN
fsr-3223	731	12	measurement	measurement	NOUN
fsr-3223	731	13	and	and	CCONJ
fsr-3223	731	14	evaluation	evaluation	NOUN
fsr-3223	731	15	remain	remain	VERB
fsr-3223	731	16	a	a	DET
fsr-3223	731	17	challenge	challenge	NOUN
fsr-3223	731	18	even	even	ADV
fsr-3223	731	19	though	though	SCONJ
fsr-3223	731	20	indexes	index	NOUN
fsr-3223	731	21	are	be	AUX
fsr-3223	731	22	now	now	ADV
fsr-3223	731	23	available	available	ADJ
fsr-3223	731	24	to	to	ADP
fsr-3223	731	25	benchmark	benchmark	ADJ
fsr-3223	731	26	performance	performance	NOUN
fsr-3223	731	27	.	.	PUNCT
fsr-3223	732	1	given	give	VERB
fsr-3223	732	2	the	the	DET
fsr-3223	732	3	nature	nature	NOUN
fsr-3223	732	4	of	of	ADP
fsr-3223	732	5	tdfs	tdfs	NOUN
fsr-3223	732	6	,	,	PUNCT
fsr-3223	732	7	none	none	NOUN
fsr-3223	732	8	of	of	ADP
fsr-3223	732	9	these	these	DET
fsr-3223	732	10	indexes	index	NOUN
fsr-3223	732	11	fully	fully	ADV
fsr-3223	732	12	meets	meet	VERB
fsr-3223	732	13	ideal	ideal	ADJ
fsr-3223	732	14	benchmark	benchmark	NOUN
fsr-3223	732	15	qualities	quality	NOUN
fsr-3223	732	16	.	.	PUNCT
fsr-3223	733	1	the	the	DET
fsr-3223	733	2	empirical	empirical	ADJ
fsr-3223	733	3	evidence	evidence	NOUN
fsr-3223	733	4	on	on	ADP
fsr-3223	733	5	,	,	PUNCT
fsr-3223	733	6	and	and	CCONJ
fsr-3223	733	7	the	the	DET
fsr-3223	733	8	design	design	NOUN
fsr-3223	733	9	of	of	ADP
fsr-3223	733	10	,	,	PUNCT
fsr-3223	733	11	tdfs	tdfs	PRON
fsr-3223	733	12	is	be	AUX
fsr-3223	733	13	still	still	ADV
fsr-3223	733	14	in	in	ADP
fsr-3223	733	15	its	its	PRON
fsr-3223	733	16	infancy	infancy	NOUN
fsr-3223	733	17	.	.	PUNCT
fsr-3223	734	1	much	much	ADJ
fsr-3223	734	2	work	work	NOUN
fsr-3223	734	3	still	still	ADV
fsr-3223	734	4	remains	remain	VERB
fsr-3223	734	5	.	.	PUNCT
fsr-3223	735	1	notes	note	NOUN
fsr-3223	735	2	1	1	NUM
fsr-3223	735	3	during	during	ADP
fsr-3223	735	4	the	the	DET
fsr-3223	735	5	period	period	NOUN
fsr-3223	735	6	1995	1995	NUM
fsr-3223	735	7	to	to	ADP
fsr-3223	735	8	2006	2006	NUM
fsr-3223	735	9	,	,	PUNCT
fsr-3223	735	10	tdf	tdf	PROPN
fsr-3223	735	11	assets	asset	NOUN
fsr-3223	735	12	grew	grow	VERB
fsr-3223	735	13	by	by	ADP
fsr-3223	735	14	about	about	ADV
fsr-3223	735	15	$	$	SYM
fsr-3223	735	16	300	300	NUM
fsr-3223	735	17	billion	billion	NUM
fsr-3223	735	18	.	.	PUNCT
fsr-3223	736	1	since	since	SCONJ
fsr-3223	736	2	the	the	DET
fsr-3223	736	3	passing	passing	NOUN
fsr-3223	736	4	of	of	ADP
fsr-3223	736	5	the	the	DET
fsr-3223	736	6	ppa	ppa	PROPN
fsr-3223	736	7	act	act	PROPN
fsr-3223	736	8	,	,	PUNCT
fsr-3223	736	9	over	over	ADP
fsr-3223	736	10	the	the	DET
fsr-3223	736	11	2007	2007	NUM
fsr-3223	736	12	to	to	ADP
fsr-3223	736	13	2014	2014	NUM
fsr-3223	736	14	period	period	NOUN
fsr-3223	736	15	assets	asset	NOUN
fsr-3223	736	16	in	in	ADP
fsr-3223	736	17	tdfs	tdfs	NOUN
fsr-3223	736	18	increased	increase	VERB
fsr-3223	736	19	by	by	ADP
fsr-3223	736	20	about	about	ADV
fsr-3223	736	21	$	$	SYM
fsr-3223	736	22	700	700	NUM
fsr-3223	736	23	billion	billion	NUM
fsr-3223	736	24	.	.	PUNCT
fsr-3223	737	1	bauer	bauer	PROPN
fsr-3223	737	2	,	,	PUNCT
fsr-3223	737	3	phillips	phillips	PROPN
fsr-3223	737	4	,	,	PUNCT
fsr-3223	737	5	and	and	CCONJ
fsr-3223	737	6	white	white	ADJ
fsr-3223	737	7	(	(	PUNCT
fsr-3223	737	8	2009	2009	NUM
fsr-3223	737	9	)	)	PUNCT
fsr-3223	737	10	predict	predict	VERB
fsr-3223	737	11	that	that	SCONJ
fsr-3223	737	12	tdf	tdf	PROPN
fsr-3223	737	13	assets	asset	NOUN
fsr-3223	737	14	will	will	AUX
fsr-3223	737	15	increase	increase	VERB
fsr-3223	737	16	by	by	ADP
fsr-3223	737	17	another	another	DET
fsr-3223	737	18	$	$	SYM
fsr-3223	737	19	1.2	1.2	NUM
fsr-3223	737	20	trillion	trillion	NUM
fsr-3223	737	21	by	by	ADP
fsr-3223	737	22	end	end	NOUN
fsr-3223	737	23	of	of	ADP
fsr-3223	737	24	2018	2018	NUM
fsr-3223	737	25	.	.	PUNCT
fsr-3223	738	1	2	2	NUM
fsr-3223	738	2	the	the	DET
fsr-3223	738	3	author	author	NOUN
fsr-3223	738	4	would	would	AUX
fsr-3223	738	5	like	like	VERB
fsr-3223	738	6	to	to	PART
fsr-3223	738	7	thank	thank	VERB
fsr-3223	738	8	an	an	DET
fsr-3223	738	9	anonymous	anonymous	ADJ
fsr-3223	738	10	referee	referee	NOUN
fsr-3223	738	11	for	for	ADP
fsr-3223	738	12	pointing	point	VERB
fsr-3223	738	13	this	this	DET
fsr-3223	738	14	fact	fact	NOUN
fsr-3223	738	15	and	and	CCONJ
fsr-3223	738	16	for	for	ADP
fsr-3223	738	17	suggesting	suggest	VERB
fsr-3223	738	18	an	an	DET
fsr-3223	738	19	attribution	attribution	NOUN
fsr-3223	738	20	framework	framework	NOUN
fsr-3223	738	21	.	.	PUNCT
fsr-3223	739	1	acknowledgment	acknowledgment	NOUN
fsr-3223	739	2	the	the	DET
fsr-3223	739	3	author	author	NOUN
fsr-3223	739	4	would	would	AUX
fsr-3223	739	5	like	like	VERB
fsr-3223	739	6	to	to	PART
fsr-3223	739	7	thank	thank	VERB
fsr-3223	739	8	john	john	PROPN
fsr-3223	739	9	j.	j.	PROPN
fsr-3223	739	10	spitzer	spitzer	PROPN
fsr-3223	739	11	for	for	ADP
fsr-3223	739	12	his	his	PRON
fsr-3223	739	13	review	review	NOUN
fsr-3223	739	14	and	and	CCONJ
fsr-3223	739	15	comments	comment	NOUN
fsr-3223	739	16	on	on	ADP
fsr-3223	739	17	the	the	DET
fsr-3223	739	18	article	article	NOUN
fsr-3223	739	19	.	.	PUNCT
fsr-3223	740	1	the	the	DET
fsr-3223	740	2	author	author	NOUN
fsr-3223	740	3	would	would	AUX
fsr-3223	740	4	also	also	ADV
fsr-3223	740	5	like	like	VERB
fsr-3223	740	6	to	to	PART
fsr-3223	740	7	thank	thank	VERB
fsr-3223	740	8	the	the	DET
fsr-3223	740	9	editor	editor	NOUN
fsr-3223	740	10	and	and	CCONJ
fsr-3223	740	11	three	three	NUM
fsr-3223	740	12	anonymous	anonymous	ADJ
fsr-3223	740	13	referees	referee	NOUN
fsr-3223	740	14	for	for	ADP
fsr-3223	740	15	their	their	PRON
fsr-3223	740	16	comments	comment	NOUN
fsr-3223	740	17	and	and	CCONJ
fsr-3223	740	18	suggestions	suggestion	NOUN
fsr-3223	740	19	.	.	PUNCT
fsr-3223	741	1	remaining	remain	VERB
fsr-3223	741	2	errors	error	NOUN
fsr-3223	741	3	and	and	CCONJ
fsr-3223	741	4	omissions	omission	NOUN
fsr-3223	741	5	are	be	AUX
fsr-3223	741	6	mine	mine	PRON
fsr-3223	741	7	.	.	PUNCT
fsr-3223	742	1	references	reference	NOUN
fsr-3223	742	2	agnew	agnew	PROPN
fsr-3223	742	3	,	,	PUNCT
fsr-3223	742	4	j.	j.	PROPN
fsr-3223	742	5	,	,	PUNCT
fsr-3223	742	6	balduzzi	balduzzi	NOUN
fsr-3223	742	7	,	,	PUNCT
fsr-3223	742	8	p.	p.	PROPN
fsr-3223	742	9	,	,	PUNCT
fsr-3223	742	10	&	&	CCONJ
fsr-3223	742	11	sundén	sundén	PROPN
fsr-3223	742	12	,	,	PUNCT
fsr-3223	742	13	a.	a.	NOUN
fsr-3223	742	14	(	(	PUNCT
fsr-3223	742	15	2003	2003	NUM
fsr-3223	742	16	)	)	PUNCT
fsr-3223	742	17	.	.	PUNCT
fsr-3223	743	1	portfolio	portfolio	NOUN
fsr-3223	743	2	choice	choice	NOUN
fsr-3223	743	3	and	and	CCONJ
fsr-3223	743	4	trading	trading	NOUN
fsr-3223	743	5	in	in	ADP
fsr-3223	743	6	a	a	DET
fsr-3223	743	7	large	large	ADJ
fsr-3223	743	8	401(k	401(k	PROPN
fsr-3223	743	9	)	)	PUNCT
fsr-3223	743	10	plan	plan	NOUN
fsr-3223	743	11	.	.	PUNCT
fsr-3223	744	1	american	american	PROPN
fsr-3223	744	2	economic	economic	PROPN
fsr-3223	744	3	review	review	PROPN
fsr-3223	744	4	,	,	PUNCT
fsr-3223	744	5	93	93	NUM
fsr-3223	744	6	,	,	PUNCT
fsr-3223	744	7	193–221	193–221	NUM
fsr-3223	744	8	.	.	PUNCT
fsr-3223	745	1	arnott	arnott	PROPN
fsr-3223	745	2	,	,	PUNCT
fsr-3223	745	3	r.	r.	PROPN
fsr-3223	745	4	d.	d.	PROPN
fsr-3223	745	5	,	,	PUNCT
fsr-3223	745	6	sherrerd	sherrerd	PROPN
fsr-3223	745	7	,	,	PUNCT
fsr-3223	745	8	k.	k.	PROPN
fsr-3223	745	9	f.	f.	PROPN
fsr-3223	745	10	,	,	PUNCT
fsr-3223	745	11	&	&	CCONJ
fsr-3223	745	12	wu	wu	PROPN
fsr-3223	745	13	,	,	PUNCT
fsr-3223	745	14	l.	l.	PROPN
fsr-3223	745	15	(	(	PUNCT
fsr-3223	745	16	2013	2013	NUM
fsr-3223	745	17	)	)	PUNCT
fsr-3223	745	18	.	.	PUNCT
fsr-3223	746	1	the	the	DET
fsr-3223	746	2	glidepath	glidepath	PROPN
fsr-3223	746	3	illusion	illusion	NOUN
fsr-3223	746	4	…	…	PUNCT
fsr-3223	746	5	.	.	PUNCT
fsr-3223	746	6	and	and	CCONJ
fsr-3223	746	7	potential	potential	ADJ
fsr-3223	746	8	solutions	solution	NOUN
fsr-3223	746	9	.	.	PUNCT
fsr-3223	747	1	journal	journal	PROPN
fsr-3223	747	2	of	of	ADP
fsr-3223	747	3	retirement	retirement	NOUN
fsr-3223	747	4	,	,	PUNCT
fsr-3223	747	5	1	1	NUM
fsr-3223	747	6	,	,	PUNCT
fsr-3223	747	7	13–28	13–28	NUM
fsr-3223	747	8	.	.	PUNCT
fsr-3223	748	1	bailey	bailey	PROPN
fsr-3223	748	2	,	,	PUNCT
fsr-3223	748	3	j.	j.	PROPN
fsr-3223	748	4	v.	v.	PROPN
fsr-3223	748	5	,	,	PUNCT
fsr-3223	748	6	richards	richards	PROPN
fsr-3223	748	7	t.	t.	PROPN
fsr-3223	748	8	m.	m.	PROPN
fsr-3223	748	9	,	,	PUNCT
fsr-3223	748	10	&	&	CCONJ
fsr-3223	748	11	tierney	tierney	PROPN
fsr-3223	748	12	,	,	PUNCT
fsr-3223	748	13	d.	d.	PROPN
fsr-3223	748	14	e.	e.	PROPN
fsr-3223	748	15	(	(	PUNCT
fsr-3223	748	16	2007	2007	NUM
fsr-3223	748	17	)	)	PUNCT
fsr-3223	748	18	.	.	PUNCT
fsr-3223	749	1	evaluating	evaluate	VERB
fsr-3223	749	2	portfolio	portfolio	NOUN
fsr-3223	749	3	performance	performance	NOUN
fsr-3223	749	4	.	.	PUNCT
fsr-3223	750	1	in	in	ADP
fsr-3223	750	2	john	john	PROPN
fsr-3223	750	3	l.	l.	PROPN
fsr-3223	750	4	maginn	maginn	PROPN
fsr-3223	750	5	,	,	PUNCT
fsr-3223	750	6	donald	donald	PROPN
fsr-3223	750	7	l.	l.	PROPN
fsr-3223	750	8	tuttle	tuttle	PROPN
fsr-3223	750	9	,	,	PUNCT
fsr-3223	750	10	jerry	jerry	PROPN
fsr-3223	750	11	e.	e.	PROPN
fsr-3223	750	12	pinto	pinto	PROPN
fsr-3223	750	13	,	,	PUNCT
fsr-3223	750	14	&	&	CCONJ
fsr-3223	750	15	dennis	dennis	PROPN
fsr-3223	750	16	w.	w.	PROPN
fsr-3223	750	17	mcleavey	mcleavey	PROPN
fsr-3223	750	18	(	(	PUNCT
fsr-3223	750	19	eds	ed	NOUN
fsr-3223	750	20	.	.	PUNCT
fsr-3223	750	21	)	)	PUNCT
fsr-3223	750	22	,	,	PUNCT
fsr-3223	750	23	managing	manage	VERB
fsr-3223	750	24	investment	investment	NOUN
fsr-3223	750	25	portfolios	portfolio	NOUN
fsr-3223	750	26	:	:	PUNCT
fsr-3223	750	27	a	a	DET
fsr-3223	750	28	dynamic	dynamic	ADJ
fsr-3223	750	29	process	process	NOUN
fsr-3223	750	30	(	(	PUNCT
fsr-3223	750	31	pp	pp	ADJ
fsr-3223	750	32	.	.	PUNCT
fsr-3223	750	33	717–782	717–782	NUM
fsr-3223	750	34	)	)	PUNCT
fsr-3223	750	35	.	.	PUNCT
fsr-3223	751	1	hoboken	hoboken	PROPN
fsr-3223	751	2	,	,	PUNCT
fsr-3223	751	3	nj	nj	PROPN
fsr-3223	751	4	:	:	PUNCT
fsr-3223	751	5	john	john	PROPN
fsr-3223	751	6	wiley	wiley	PROPN
fsr-3223	751	7	&	&	CCONJ
fsr-3223	751	8	sons	sons	PROPN
fsr-3223	751	9	,	,	PUNCT
fsr-3223	751	10	inc	inc	PROPN
fsr-3223	751	11	.	.	PROPN
fsr-3223	751	12	259s	259s	PROPN
fsr-3223	751	13	.	.	PUNCT
fsr-3223	752	1	singh	singh	PROPN
fsr-3223	752	2	/	/	SYM
fsr-3223	752	3	financial	financial	ADJ
fsr-3223	752	4	services	service	NOUN
fsr-3223	752	5	review	review	VERB
fsr-3223	752	6	25	25	NUM
fsr-3223	752	7	(	(	PUNCT
fsr-3223	752	8	2016	2016	NUM
fsr-3223	752	9	)	)	PUNCT
fsr-3223	752	10	235–262	235–262	NUM
fsr-3223	752	11	balduzzi	balduzzi	NOUN
fsr-3223	752	12	,	,	PUNCT
fsr-3223	752	13	p.	p.	NOUN
fsr-3223	752	14	,	,	PUNCT
fsr-3223	752	15	&	&	CCONJ
fsr-3223	752	16	reuter	reuter	PROPN
fsr-3223	752	17	j.	j.	PROPN
fsr-3223	752	18	(	(	PUNCT
fsr-3223	752	19	2012	2012	NUM
fsr-3223	752	20	)	)	PUNCT
fsr-3223	752	21	.	.	PUNCT
fsr-3223	753	1	heterogeneity	heterogeneity	NOUN
fsr-3223	753	2	in	in	ADP
fsr-3223	753	3	target	target	NOUN
fsr-3223	753	4	-	-	PUNCT
fsr-3223	753	5	date	date	NOUN
fsr-3223	753	6	funds	fund	NOUN
fsr-3223	753	7	:	:	PUNCT
fsr-3223	753	8	optimal	optimal	ADJ
fsr-3223	753	9	risk	risk	NOUN
fsr-3223	753	10	taking	taking	NOUN
fsr-3223	753	11	or	or	CCONJ
fsr-3223	753	12	risk	risk	NOUN
fsr-3223	753	13	matching	matching	NOUN
fsr-3223	753	14	?	?	PUNCT
fsr-3223	754	1	nber	nber	PROPN
fsr-3223	754	2	working	working	PROPN
fsr-3223	754	3	paper	paper	PROPN
fsr-3223	754	4	17886	17886	NUM
fsr-3223	754	5	,	,	PUNCT
fsr-3223	754	6	boston	boston	PROPN
fsr-3223	754	7	,	,	PUNCT
fsr-3223	754	8	ma	ma	PROPN
fsr-3223	754	9	.	.	PROPN
fsr-3223	754	10	bare	bare	PROPN
fsr-3223	754	11	,	,	PUNCT
fsr-3223	754	12	r.	r.	PROPN
fsr-3223	754	13	,	,	PUNCT
fsr-3223	754	14	&	&	CCONJ
fsr-3223	754	15	greves	greve	NOUN
fsr-3223	754	16	,	,	PUNCT
fsr-3223	754	17	j.	j.	PROPN
fsr-3223	754	18	(	(	PUNCT
fsr-3223	754	19	2013	2013	NUM
fsr-3223	754	20	)	)	PUNCT
fsr-3223	754	21	.	.	PUNCT
fsr-3223	755	1	evaluating	evaluate	VERB
fsr-3223	755	2	target	target	NOUN
fsr-3223	755	3	date	date	NOUN
fsr-3223	755	4	investment	investment	NOUN
fsr-3223	755	5	performance	performance	NOUN
fsr-3223	755	6	.	.	PUNCT
fsr-3223	756	1	veiwpoint	veiwpoint	PROPN
fsr-3223	756	2	russell	russell	PROPN
fsr-3223	756	3	research	research	PROPN
fsr-3223	756	4	,	,	PUNCT
fsr-3223	756	5	russell	russell	PROPN
fsr-3223	756	6	investments	investments	PROPN
fsr-3223	756	7	monograph	monograph	PROPN
fsr-3223	756	8	,	,	PUNCT
fsr-3223	756	9	russell	russell	PROPN
fsr-3223	756	10	investments	investments	PROPN
fsr-3223	756	11	,	,	PUNCT
fsr-3223	756	12	tacoma	tacoma	PROPN
fsr-3223	756	13	,	,	PUNCT
fsr-3223	756	14	wa	wa	PROPN
fsr-3223	756	15	.	.	PROPN
fsr-3223	756	16	basu	basu	PROPN
fsr-3223	756	17	,	,	PUNCT
fsr-3223	756	18	a.	a.	PROPN
fsr-3223	756	19	k.	k.	PROPN
fsr-3223	756	20	,	,	PUNCT
fsr-3223	756	21	&	&	CCONJ
fsr-3223	756	22	drew	draw	VERB
fsr-3223	756	23	m.	m.	PROPN
fsr-3223	756	24	e.	e.	PROPN
fsr-3223	756	25	(	(	PUNCT
fsr-3223	756	26	2009	2009	NUM
fsr-3223	756	27	)	)	PUNCT
fsr-3223	756	28	.	.	PUNCT
fsr-3223	757	1	portfolio	portfolio	NOUN
fsr-3223	757	2	size	size	NOUN
fsr-3223	757	3	effect	effect	NOUN
fsr-3223	757	4	in	in	ADP
fsr-3223	757	5	retirement	retirement	NOUN
fsr-3223	757	6	accounts	account	NOUN
fsr-3223	757	7	:	:	PUNCT
fsr-3223	757	8	what	what	PRON
fsr-3223	757	9	does	do	AUX
fsr-3223	757	10	it	it	PRON
fsr-3223	757	11	imply	imply	VERB
fsr-3223	757	12	for	for	ADP
fsr-3223	757	13	lifecycle	lifecycle	NOUN
fsr-3223	757	14	asset	asset	NOUN
fsr-3223	757	15	allocation	allocation	NOUN
fsr-3223	757	16	funds	fund	NOUN
fsr-3223	757	17	?	?	PUNCT
fsr-3223	758	1	journal	journal	PROPN
fsr-3223	758	2	of	of	ADP
fsr-3223	758	3	portfolio	portfolio	NOUN
fsr-3223	758	4	management	management	NOUN
fsr-3223	758	5	,	,	PUNCT
fsr-3223	758	6	35	35	NUM
fsr-3223	758	7	,	,	PUNCT
fsr-3223	758	8	61–72	61–72	NUM
fsr-3223	758	9	.	.	PUNCT
fsr-3223	759	1	basu	basu	PROPN
fsr-3223	759	2	,	,	PUNCT
fsr-3223	759	3	a.	a.	PROPN
fsr-3223	759	4	k.	k.	PROPN
fsr-3223	759	5	,	,	PUNCT
fsr-3223	759	6	byrne	byrne	PROPN
fsr-3223	759	7	,	,	PUNCT
fsr-3223	759	8	a.	a.	PROPN
fsr-3223	759	9	,	,	PUNCT
fsr-3223	759	10	&	&	CCONJ
fsr-3223	759	11	drew	draw	VERB
fsr-3223	759	12	,	,	PUNCT
fsr-3223	759	13	m.	m.	PROPN
fsr-3223	759	14	e.	e.	PROPN
fsr-3223	759	15	(	(	PUNCT
fsr-3223	759	16	2011	2011	NUM
fsr-3223	759	17	)	)	PUNCT
fsr-3223	759	18	.	.	PUNCT
fsr-3223	760	1	dynamic	dynamic	ADJ
fsr-3223	760	2	lifecycle	lifecycle	NOUN
fsr-3223	760	3	strategies	strategy	NOUN
fsr-3223	760	4	for	for	ADP
fsr-3223	760	5	target	target	NOUN
fsr-3223	760	6	date	date	NOUN
fsr-3223	760	7	retirement	retirement	NOUN
fsr-3223	760	8	funds	fund	NOUN
fsr-3223	760	9	,	,	PUNCT
fsr-3223	760	10	journal	journal	NOUN
fsr-3223	760	11	of	of	ADP
fsr-3223	760	12	portfolio	portfolio	NOUN
fsr-3223	760	13	management	management	NOUN
fsr-3223	760	14	,	,	PUNCT
fsr-3223	760	15	37	37	NUM
fsr-3223	760	16	,	,	PUNCT
fsr-3223	760	17	83–96	83–96	NUM
fsr-3223	760	18	.	.	PUNCT
fsr-3223	761	1	bauer	bauer	PROPN
fsr-3223	761	2	,	,	PUNCT
fsr-3223	761	3	d.	d.	PROPN
fsr-3223	761	4	j.	j.	PROPN
fsr-3223	761	5	,	,	PUNCT
fsr-3223	761	6	phillips	phillips	PROPN
fsr-3223	761	7	,	,	PUNCT
fsr-3223	761	8	b.	b.	PROPN
fsr-3223	761	9	f.	f.	PROPN
fsr-3223	761	10	,	,	PUNCT
fsr-3223	761	11	&	&	CCONJ
fsr-3223	761	12	white	white	PROPN
fsr-3223	761	13	,	,	PUNCT
fsr-3223	761	14	j.	j.	PROPN
fsr-3223	761	15	r.	r.	PROPN
fsr-3223	761	16	(	(	PUNCT
fsr-3223	761	17	2009	2009	NUM
fsr-3223	761	18	)	)	PUNCT
fsr-3223	761	19	.	.	PUNCT
fsr-3223	762	1	target	target	NOUN
fsr-3223	762	2	-	-	PUNCT
fsr-3223	762	3	date	date	NOUN
fsr-3223	762	4	retirement	retirement	NOUN
fsr-3223	762	5	funds	fund	NOUN
fsr-3223	762	6	:	:	PUNCT
fsr-3223	762	7	the	the	DET
fsr-3223	762	8	new	new	ADJ
fsr-3223	762	9	defined	define	VERB
fsr-3223	762	10	contribution	contribution	NOUN
fsr-3223	762	11	battleground	battleground	NOUN
fsr-3223	762	12	.	.	PUNCT
fsr-3223	763	1	casey	casey	NOUN
fsr-3223	763	2	quirk	quirk	PROPN
fsr-3223	763	3	and	and	CCONJ
fsr-3223	763	4	associates	associate	NOUN
fsr-3223	763	5	(	(	PUNCT
fsr-3223	763	6	available	available	ADJ
fsr-3223	763	7	at	at	ADP
fsr-3223	763	8	http://tinyurl.com/p43ppgs	http://tinyurl.com/p43ppgs	NUM
fsr-3223	763	9	)	)	PUNCT
fsr-3223	763	10	.	.	PUNCT
fsr-3223	764	1	benz	benz	PROPN
fsr-3223	764	2	,	,	PUNCT
fsr-3223	764	3	c.	c.	PROPN
fsr-3223	764	4	,	,	PUNCT
fsr-3223	764	5	&	&	CCONJ
fsr-3223	764	6	stipp	stipp	PROPN
fsr-3223	764	7	,	,	PUNCT
fsr-3223	764	8	j.	j.	PROPN
fsr-3223	764	9	(	(	PUNCT
fsr-3223	764	10	2015	2015	NUM
fsr-3223	764	11	)	)	PUNCT
fsr-3223	764	12	.	.	PUNCT
fsr-3223	765	1	morningstar	morningstar	PROPN
fsr-3223	765	2	inc	inc	PROPN
fsr-3223	765	3	.	.	PROPN
fsr-3223	765	4	video	video	PROPN
fsr-3223	765	5	,	,	PUNCT
fsr-3223	765	6	what	what	PRON
fsr-3223	765	7	the	the	DET
fsr-3223	765	8	best	good	ADJ
fsr-3223	765	9	‘	'	PUNCT
fsr-3223	765	10	in	in	ADP
fsr-3223	765	11	-	-	PUNCT
fsr-3223	765	12	retirement	retirement	NOUN
fsr-3223	765	13	’	'	PUNCT
fsr-3223	765	14	mutual	mutual	ADJ
fsr-3223	765	15	funds	fund	NOUN
fsr-3223	765	16	can	can	AUX
fsr-3223	765	17	teach	teach	VERB
fsr-3223	765	18	you	you	PRON
fsr-3223	765	19	(	(	PUNCT
fsr-3223	765	20	available	available	ADJ
fsr-3223	765	21	at	at	ADP
fsr-3223	765	22	http://tinyurl.com/ol647	http://tinyurl.com/ol647	ADJ
fsr-3223	765	23	)	)	PUNCT
fsr-3223	765	24	.	.	PUNCT
fsr-3223	766	1	bernard	bernard	PROPN
fsr-3223	766	2	,	,	PUNCT
fsr-3223	766	3	t.	t.	PROPN
fsr-3223	766	4	s.	s.	PROPN
fsr-3223	766	5	(	(	PUNCT
fsr-3223	766	6	2009	2009	NUM
fsr-3223	766	7	)	)	PUNCT
fsr-3223	766	8	.	.	PUNCT
fsr-3223	767	1	target	target	NOUN
fsr-3223	767	2	-	-	PUNCT
fsr-3223	767	3	date	date	NOUN
fsr-3223	767	4	funds	fund	NOUN
fsr-3223	767	5	:	:	PUNCT
fsr-3223	767	6	seven	seven	NUM
fsr-3223	767	7	questions	question	NOUN
fsr-3223	767	8	to	to	PART
fsr-3223	767	9	ask	ask	VERB
fsr-3223	767	10	before	before	ADP
fsr-3223	767	11	jumping	jump	VERB
fsr-3223	767	12	in	in	ADV
fsr-3223	767	13	.	.	PUNCT
fsr-3223	768	1	new	new	PROPN
fsr-3223	768	2	york	york	PROPN
fsr-3223	768	3	times	times	PROPN
fsr-3223	768	4	,	,	PUNCT
fsr-3223	768	5	june	june	PROPN
fsr-3223	768	6	29	29	NUM
fsr-3223	768	7	(	(	PUNCT
fsr-3223	768	8	available	available	ADJ
fsr-3223	768	9	at	at	ADP
fsr-3223	768	10	http://tinyurl.com/m9lqdr	http://tinyurl.com/m9lqdr	PROPN
fsr-3223	768	11	)	)	PUNCT
fsr-3223	768	12	.	.	PUNCT
fsr-3223	769	1	blanchett	blanchett	PROPN
fsr-3223	769	2	,	,	PUNCT
fsr-3223	769	3	d.	d.	PROPN
fsr-3223	769	4	m.	m.	PROPN
fsr-3223	769	5	,	,	PUNCT
fsr-3223	769	6	&	&	CCONJ
fsr-3223	769	7	kasten	kasten	PROPN
fsr-3223	769	8	,	,	PUNCT
fsr-3223	769	9	g.	g.	PROPN
fsr-3223	769	10	w.	w.	PROPN
fsr-3223	769	11	(	(	PUNCT
fsr-3223	769	12	2010	2010	NUM
fsr-3223	769	13	)	)	PUNCT
fsr-3223	769	14	.	.	PUNCT
fsr-3223	770	1	improving	improve	VERB
fsr-3223	770	2	the	the	DET
fsr-3223	770	3	“	"	PUNCT
fsr-3223	770	4	target	target	NOUN
fsr-3223	770	5	”	"	PUNCT
fsr-3223	770	6	in	in	ADP
fsr-3223	770	7	target	target	NOUN
fsr-3223	770	8	-	-	PUNCT
fsr-3223	770	9	date	date	NOUN
fsr-3223	770	10	investing	investing	NOUN
fsr-3223	770	11	.	.	PUNCT
fsr-3223	771	1	journal	journal	PROPN
fsr-3223	771	2	of	of	ADP
fsr-3223	771	3	pension	pension	NOUN
fsr-3223	771	4	benefits	benefit	NOUN
fsr-3223	771	5	,	,	PUNCT
fsr-3223	771	6	18	18	NUM
fsr-3223	771	7	,	,	PUNCT
fsr-3223	771	8	17–27	17–27	NUM
fsr-3223	771	9	.	.	PUNCT
fsr-3223	772	1	blanchett	blanchett	PROPN
fsr-3223	772	2	,	,	PUNCT
fsr-3223	772	3	d.	d.	PROPN
fsr-3223	772	4	m.	m.	PROPN
fsr-3223	772	5	(	(	PUNCT
fsr-3223	772	6	2015	2015	NUM
fsr-3223	772	7	)	)	PUNCT
fsr-3223	772	8	.	.	PUNCT
fsr-3223	773	1	initial	initial	ADJ
fsr-3223	773	2	conditions	condition	NOUN
fsr-3223	773	3	and	and	CCONJ
fsr-3223	773	4	optimal	optimal	ADJ
fsr-3223	773	5	retirement	retirement	NOUN
fsr-3223	773	6	glide	glide	NOUN
fsr-3223	773	7	paths	path	NOUN
fsr-3223	773	8	.	.	PUNCT
fsr-3223	774	1	journal	journal	NOUN
fsr-3223	774	2	of	of	ADP
fsr-3223	774	3	financial	financial	ADJ
fsr-3223	774	4	planning	planning	NOUN
fsr-3223	774	5	,	,	PUNCT
fsr-3223	774	6	28	28	NUM
fsr-3223	774	7	,	,	PUNCT
fsr-3223	774	8	52–60	52–60	PROPN
fsr-3223	774	9	.	.	PUNCT
fsr-3223	775	1	blanchett	blanchett	PROPN
fsr-3223	775	2	,	,	PUNCT
fsr-3223	775	3	d.	d.	PROPN
fsr-3223	775	4	m.	m.	PROPN
fsr-3223	775	5	,	,	PUNCT
fsr-3223	775	6	&	&	CCONJ
fsr-3223	775	7	straehl	straehl	PROPN
fsr-3223	775	8	,	,	PUNCT
fsr-3223	775	9	p.	p.	NOUN
fsr-3223	775	10	u.	u.	PROPN
fsr-3223	775	11	(	(	PUNCT
fsr-3223	775	12	2015	2015	NUM
fsr-3223	775	13	)	)	PUNCT
fsr-3223	775	14	.	.	PUNCT
fsr-3223	776	1	no	no	DET
fsr-3223	776	2	portfolio	portfolio	NOUN
fsr-3223	776	3	is	be	AUX
fsr-3223	776	4	an	an	DET
fsr-3223	776	5	island	island	NOUN
fsr-3223	776	6	.	.	PUNCT
fsr-3223	777	1	financial	financial	ADJ
fsr-3223	777	2	analysts	analyst	NOUN
fsr-3223	777	3	journal	journal	NOUN
fsr-3223	777	4	,	,	PUNCT
fsr-3223	777	5	71	71	NUM
fsr-3223	777	6	,	,	PUNCT
fsr-3223	777	7	15–23	15–23	NUM
fsr-3223	777	8	.	.	PUNCT
fsr-3223	778	1	bodie	bodie	PROPN
fsr-3223	778	2	,	,	PUNCT
fsr-3223	778	3	z.	z.	PROPN
fsr-3223	778	4	,	,	PUNCT
fsr-3223	778	5	&	&	CCONJ
fsr-3223	778	6	treussard	treussard	PROPN
fsr-3223	778	7	,	,	PUNCT
fsr-3223	778	8	j.	j.	PROPN
fsr-3223	778	9	(	(	PUNCT
fsr-3223	778	10	2007	2007	NUM
fsr-3223	778	11	)	)	PUNCT
fsr-3223	778	12	.	.	PUNCT
fsr-3223	779	1	making	make	VERB
fsr-3223	779	2	investment	investment	NOUN
fsr-3223	779	3	choices	choice	NOUN
fsr-3223	779	4	as	as	ADV
fsr-3223	779	5	simple	simple	ADJ
fsr-3223	779	6	as	as	ADP
fsr-3223	779	7	possible	possible	ADJ
fsr-3223	779	8	,	,	PUNCT
fsr-3223	779	9	but	but	CCONJ
fsr-3223	779	10	not	not	PART
fsr-3223	779	11	simpler	simple	ADJ
fsr-3223	779	12	.	.	PUNCT
fsr-3223	780	1	financial	financial	ADJ
fsr-3223	780	2	analysts	analyst	NOUN
fsr-3223	780	3	journal	journal	NOUN
fsr-3223	780	4	,	,	PUNCT
fsr-3223	780	5	63	63	NUM
fsr-3223	780	6	,	,	PUNCT
fsr-3223	780	7	42–47	42–47	NUM
fsr-3223	780	8	.	.	PUNCT
fsr-3223	780	9	boscaljon	boscaljon	NOUN
fsr-3223	780	10	,	,	PUNCT
fsr-3223	780	11	b.	b.	PROPN
fsr-3223	780	12	(	(	PUNCT
fsr-3223	780	13	2011	2011	NUM
fsr-3223	780	14	)	)	PUNCT
fsr-3223	780	15	.	.	PUNCT
fsr-3223	781	1	determining	determine	VERB
fsr-3223	781	2	the	the	DET
fsr-3223	781	3	“	"	PUNCT
fsr-3223	781	4	glide	glide	ADJ
fsr-3223	781	5	path	path	NOUN
fsr-3223	781	6	”	"	PUNCT
fsr-3223	781	7	for	for	ADP
fsr-3223	781	8	target	target	NOUN
fsr-3223	781	9	date	date	NOUN
fsr-3223	781	10	funds	fund	NOUN
fsr-3223	781	11	.	.	PUNCT
fsr-3223	782	1	financial	financial	ADJ
fsr-3223	782	2	services	service	NOUN
fsr-3223	782	3	review	review	PROPN
fsr-3223	782	4	,	,	PUNCT
fsr-3223	782	5	20	20	NUM
fsr-3223	782	6	,	,	PUNCT
fsr-3223	782	7	113–128	113–128	NUM
fsr-3223	782	8	.	.	PUNCT
fsr-3223	783	1	burtless	burtless	NOUN
fsr-3223	783	2	,	,	PUNCT
fsr-3223	783	3	g.	g.	PROPN
fsr-3223	783	4	(	(	PUNCT
fsr-3223	783	5	2010	2010	NUM
fsr-3223	783	6	)	)	PUNCT
fsr-3223	783	7	.	.	PUNCT
fsr-3223	784	1	do	do	AUX
fsr-3223	784	2	workers	worker	NOUN
fsr-3223	784	3	prepare	prepare	VERB
fsr-3223	784	4	rationally	rationally	ADV
fsr-3223	784	5	for	for	ADP
fsr-3223	784	6	retirement	retirement	NOUN
fsr-3223	784	7	?	?	PUNCT
fsr-3223	785	1	in	in	ADP
fsr-3223	785	2	a.	a.	NOUN
fsr-3223	785	3	drolet	drolet	NOUN
fsr-3223	785	4	,	,	PUNCT
fsr-3223	785	5	n.	n.	PROPN
fsr-3223	785	6	schwarz	schwarz	PROPN
fsr-3223	785	7	,	,	PUNCT
fsr-3223	785	8	&	&	CCONJ
fsr-3223	785	9	c.	c.	PROPN
fsr-3223	785	10	yoon	yoon	PROPN
fsr-3223	785	11	(	(	PUNCT
fsr-3223	785	12	eds	eds	PROPN
fsr-3223	785	13	.	.	PUNCT
fsr-3223	785	14	)	)	PUNCT
fsr-3223	785	15	,	,	PUNCT
fsr-3223	785	16	the	the	DET
fsr-3223	785	17	aging	age	VERB
fsr-3223	785	18	consumer	consumer	NOUN
fsr-3223	785	19	:	:	PUNCT
fsr-3223	785	20	perspectives	perspective	NOUN
fsr-3223	785	21	from	from	ADP
fsr-3223	785	22	psychology	psychology	NOUN
fsr-3223	785	23	and	and	CCONJ
fsr-3223	785	24	economics	economic	NOUN
fsr-3223	785	25	(	(	PUNCT
fsr-3223	785	26	pp	pp	ADJ
fsr-3223	785	27	.	.	PUNCT
fsr-3223	786	1	103–127	103–127	NUM
fsr-3223	786	2	)	)	PUNCT
fsr-3223	786	3	.	.	PUNCT
fsr-3223	787	1	new	new	PROPN
fsr-3223	787	2	york	york	PROPN
fsr-3223	787	3	:	:	PUNCT
fsr-3223	787	4	taylor	taylor	PROPN
fsr-3223	787	5	&	&	CCONJ
fsr-3223	787	6	francis	francis	PROPN
fsr-3223	787	7	.	.	PUNCT
fsr-3223	788	1	callan	callan	PROPN
fsr-3223	788	2	associates	associates	PROPN
fsr-3223	788	3	(	(	PUNCT
fsr-3223	788	4	2015	2015	NUM
fsr-3223	788	5	)	)	PUNCT
fsr-3223	788	6	.	.	PUNCT
fsr-3223	789	1	target	target	NOUN
fsr-3223	789	2	date	date	NOUN
fsr-3223	789	3	fund	fund	NOUN
fsr-3223	789	4	index	index	NOUN
fsr-3223	789	5	primer	primer	NOUN
fsr-3223	789	6	(	(	PUNCT
fsr-3223	789	7	available	available	ADJ
fsr-3223	789	8	at	at	ADP
fsr-3223	789	9	http://tinyurl.com/p6kwpwz	http://tinyurl.com/p6kwpwz	PROPN
fsr-3223	789	10	)	)	PUNCT
fsr-3223	789	11	.	.	PUNCT
fsr-3223	790	1	cassidy	cassidy	PROPN
fsr-3223	790	2	,	,	PUNCT
fsr-3223	790	3	d.	d.	PROPN
fsr-3223	790	4	p.	p.	PROPN
fsr-3223	790	5	,	,	PUNCT
fsr-3223	790	6	peskin	peskin	PROPN
fsr-3223	790	7	m.	m.	PROPN
fsr-3223	790	8	w.	w.	PROPN
fsr-3223	790	9	,	,	PUNCT
fsr-3223	790	10	seigel	seigel	NOUN
fsr-3223	790	11	,	,	PUNCT
fsr-3223	790	12	l.	l.	PROPN
fsr-3223	790	13	b.	b.	PROPN
fsr-3223	790	14	,	,	PUNCT
fsr-3223	790	15	&	&	CCONJ
fsr-3223	790	16	sexauer	sexauer	PROPN
fsr-3223	790	17	,	,	PUNCT
fsr-3223	790	18	s.	s.	PROPN
fsr-3223	790	19	(	(	PUNCT
fsr-3223	790	20	2014	2014	NUM
fsr-3223	790	21	)	)	PUNCT
fsr-3223	790	22	.	.	PUNCT
fsr-3223	791	1	be	be	AUX
fsr-3223	791	2	kind	kind	ADJ
fsr-3223	791	3	to	to	ADP
fsr-3223	791	4	your	your	PRON
fsr-3223	791	5	retirement	retirement	NOUN
fsr-3223	791	6	plan	plan	NOUN
fsr-3223	791	7	–	–	PUNCT
fsr-3223	791	8	give	give	VERB
fsr-3223	791	9	it	it	PRON
fsr-3223	791	10	a	a	DET
fsr-3223	791	11	benchmark	benchmark	NOUN
fsr-3223	791	12	.	.	PUNCT
fsr-3223	792	1	journal	journal	PROPN
fsr-3223	792	2	of	of	ADP
fsr-3223	792	3	portfolio	portfolio	NOUN
fsr-3223	792	4	management	management	NOUN
fsr-3223	792	5	,	,	PUNCT
fsr-3223	792	6	special	special	ADJ
fsr-3223	792	7	issue	issue	NOUN
fsr-3223	792	8	,	,	PUNCT
fsr-3223	792	9	33–36	33–36	NUM
fsr-3223	792	10	.	.	PUNCT
fsr-3223	793	1	chang	chang	PROPN
fsr-3223	793	2	,	,	PUNCT
fsr-3223	793	3	r.	r.	PROPN
fsr-3223	793	4	p.	p.	PROPN
fsr-3223	793	5	,	,	PUNCT
fsr-3223	793	6	hunter	hunter	NOUN
fsr-3223	793	7	,	,	PUNCT
fsr-3223	793	8	d.	d.	PROPN
fsr-3223	793	9	,	,	PUNCT
fsr-3223	793	10	qianqiu	qianqiu	PROPN
fsr-3223	793	11	l.	l.	PROPN
fsr-3223	793	12	,	,	PUNCT
fsr-3223	793	13	&	&	CCONJ
fsr-3223	793	14	saar	saar	PROPN
fsr-3223	793	15	h.	h.	PROPN
fsr-3223	793	16	(	(	PUNCT
fsr-3223	793	17	2014	2014	NUM
fsr-3223	793	18	)	)	PUNCT
fsr-3223	793	19	.	.	PUNCT
fsr-3223	794	1	saving	save	VERB
fsr-3223	794	2	for	for	ADP
fsr-3223	794	3	retirement	retirement	NOUN
fsr-3223	794	4	while	while	SCONJ
fsr-3223	794	5	having	have	VERB
fsr-3223	794	6	more	more	ADJ
fsr-3223	794	7	nights	night	NOUN
fsr-3223	794	8	with	with	ADP
fsr-3223	794	9	peaceful	peaceful	ADJ
fsr-3223	794	10	sleep	sleep	NOUN
fsr-3223	794	11	:	:	PUNCT
fsr-3223	794	12	comparison	comparison	NOUN
fsr-3223	794	13	of	of	ADP
fsr-3223	794	14	lifecycle	lifecycle	NOUN
fsr-3223	794	15	and	and	CCONJ
fsr-3223	794	16	lifestyle	lifestyle	NOUN
fsr-3223	794	17	strategies	strategy	NOUN
fsr-3223	794	18	from	from	ADP
fsr-3223	794	19	expected	expect	VERB
fsr-3223	794	20	utility	utility	NOUN
fsr-3223	794	21	perspective	perspective	NOUN
fsr-3223	794	22	,	,	PUNCT
fsr-3223	794	23	financial	financial	ADJ
fsr-3223	794	24	services	service	NOUN
fsr-3223	794	25	review	review	NOUN
fsr-3223	794	26	,	,	PUNCT
fsr-3223	794	27	23	23	NUM
fsr-3223	794	28	,	,	PUNCT
fsr-3223	794	29	169–188	169–188	NUM
fsr-3223	794	30	.	.	PUNCT
fsr-3223	795	1	clark	clark	PROPN
fsr-3223	795	2	,	,	PUNCT
fsr-3223	795	3	j.	j.	PROPN
fsr-3223	795	4	m.	m.	PROPN
fsr-3223	795	5	,	,	PUNCT
fsr-3223	795	6	&	&	CCONJ
fsr-3223	795	7	hood	hood	NOUN
fsr-3223	795	8	,	,	PUNCT
fsr-3223	795	9	m.	m.	NOUN
fsr-3223	795	10	(	(	PUNCT
fsr-3223	795	11	2009	2009	NUM
fsr-3223	795	12	)	)	PUNCT
fsr-3223	795	13	.	.	PUNCT
fsr-3223	796	1	policy	policy	NOUN
fsr-3223	796	2	implications	implication	NOUN
fsr-3223	796	3	for	for	ADP
fsr-3223	796	4	modeling	model	VERB
fsr-3223	796	5	next	next	ADJ
fsr-3223	796	6	generation	generation	NOUN
fsr-3223	796	7	of	of	ADP
fsr-3223	796	8	target	target	NOUN
fsr-3223	796	9	date	date	NOUN
fsr-3223	796	10	funds	fund	NOUN
fsr-3223	796	11	.	.	PUNCT
fsr-3223	797	1	the	the	DET
fsr-3223	797	2	journal	journal	NOUN
fsr-3223	797	3	of	of	ADP
fsr-3223	797	4	investing	investing	NOUN
fsr-3223	797	5	,	,	PUNCT
fsr-3223	797	6	18	18	NUM
fsr-3223	797	7	,	,	PUNCT
fsr-3223	797	8	53–61	53–61	NUM
fsr-3223	797	9	.	.	PUNCT
fsr-3223	798	1	cocco	cocco	PROPN
fsr-3223	798	2	,	,	PUNCT
fsr-3223	798	3	j.	j.	PROPN
fsr-3223	798	4	f.	f.	PROPN
fsr-3223	798	5	,	,	PUNCT
fsr-3223	798	6	gomes	gomes	PROPN
fsr-3223	798	7	,	,	PUNCT
fsr-3223	798	8	f.	f.	PROPN
fsr-3223	798	9	j.	j.	PROPN
fsr-3223	798	10	,	,	PUNCT
fsr-3223	798	11	&	&	CCONJ
fsr-3223	798	12	maenhout	maenhout	PROPN
fsr-3223	798	13	,	,	PUNCT
fsr-3223	798	14	p.	p.	PROPN
fsr-3223	798	15	j.	j.	PROPN
fsr-3223	798	16	(	(	PUNCT
fsr-3223	798	17	2005	2005	NUM
fsr-3223	798	18	)	)	PUNCT
fsr-3223	798	19	.	.	PUNCT
fsr-3223	799	1	consumption	consumption	NOUN
fsr-3223	799	2	and	and	CCONJ
fsr-3223	799	3	portfolio	portfolio	NOUN
fsr-3223	799	4	choice	choice	NOUN
fsr-3223	799	5	over	over	ADP
fsr-3223	799	6	the	the	DET
fsr-3223	799	7	life	life	NOUN
fsr-3223	799	8	cycle	cycle	NOUN
fsr-3223	799	9	.	.	PUNCT
fsr-3223	800	1	the	the	DET
fsr-3223	800	2	review	review	NOUN
fsr-3223	800	3	of	of	ADP
fsr-3223	800	4	financial	financial	ADJ
fsr-3223	800	5	studies	study	NOUN
fsr-3223	800	6	,	,	PUNCT
fsr-3223	800	7	18	18	NUM
fsr-3223	800	8	,	,	PUNCT
fsr-3223	800	9	491–533	491–533	NUM
fsr-3223	800	10	.	.	PUNCT
fsr-3223	801	1	d’antona	d’antona	PROPN
fsr-3223	801	2	,	,	PUNCT
fsr-3223	801	3	j.	j.	PROPN
fsr-3223	801	4	jr	jr	PROPN
fsr-3223	801	5	.	.	PROPN
fsr-3223	801	6	(	(	PUNCT
fsr-3223	801	7	2008	2008	NUM
fsr-3223	801	8	)	)	PUNCT
fsr-3223	801	9	.	.	PUNCT
fsr-3223	802	1	disappointing	disappointing	ADJ
fsr-3223	802	2	performance	performance	NOUN
fsr-3223	802	3	hits	hit	VERB
fsr-3223	802	4	2010	2010	NUM
fsr-3223	802	5	target	target	NOUN
fsr-3223	802	6	-	-	PUNCT
fsr-3223	802	7	date	date	NOUN
fsr-3223	802	8	funds	fund	NOUN
fsr-3223	802	9	.	.	PUNCT
fsr-3223	803	1	pensions	pension	NOUN
fsr-3223	803	2	&	&	CCONJ
fsr-3223	803	3	investments	investment	NOUN
fsr-3223	803	4	(	(	PUNCT
fsr-3223	803	5	available	available	ADJ
fsr-3223	803	6	at	at	ADP
fsr-3223	803	7	http://tinyurl.com/mz2l2z	http://tinyurl.com/mz2l2z	PROPN
fsr-3223	803	8	)	)	PUNCT
fsr-3223	803	9	.	.	PUNCT
fsr-3223	804	1	dimensional	dimensional	ADJ
fsr-3223	804	2	fund	fund	NOUN
fsr-3223	804	3	advisors	advisor	NOUN
fsr-3223	804	4	.	.	PUNCT
fsr-3223	805	1	(	(	PUNCT
fsr-3223	805	2	2016	2016	NUM
fsr-3223	805	3	)	)	PUNCT
fsr-3223	805	4	.	.	PUNCT
fsr-3223	806	1	target	target	NOUN
fsr-3223	806	2	date	date	NOUN
fsr-3223	806	3	retirement	retirement	PROPN
fsr-3223	806	4	income	income	NOUN
fsr-3223	806	5	fund	fund	PROPN
fsr-3223	806	6	(	(	PUNCT
fsr-3223	806	7	available	available	ADJ
fsr-3223	806	8	at	at	ADP
fsr-3223	806	9	http://tinyurl.com/hgxk8sa	http://tinyurl.com/hgxk8sa	PROPN
fsr-3223	806	10	)	)	PUNCT
fsr-3223	806	11	.	.	PUNCT
fsr-3223	807	1	dolvin	dolvin	PROPN
fsr-3223	807	2	s.	s.	PROPN
fsr-3223	807	3	d.	d.	PROPN
fsr-3223	807	4	,	,	PUNCT
fsr-3223	807	5	templeton	templeton	PROPN
fsr-3223	807	6	,	,	PUNCT
fsr-3223	807	7	w.	w.	PROPN
fsr-3223	807	8	k.	k.	PROPN
fsr-3223	807	9	,	,	PUNCT
fsr-3223	807	10	&	&	CCONJ
fsr-3223	807	11	rieber	rieber	PROPN
fsr-3223	807	12	,	,	PUNCT
fsr-3223	807	13	w.	w.	PROPN
fsr-3223	807	14	j.	j.	PROPN
fsr-3223	807	15	(	(	PUNCT
fsr-3223	807	16	2010	2010	NUM
fsr-3223	807	17	)	)	PUNCT
fsr-3223	807	18	.	.	PUNCT
fsr-3223	808	1	asset	asset	NOUN
fsr-3223	808	2	allocation	allocation	NOUN
fsr-3223	808	3	for	for	ADP
fsr-3223	808	4	retirement	retirement	NOUN
fsr-3223	808	5	:	:	PUNCT
fsr-3223	808	6	simple	simple	ADJ
fsr-3223	808	7	heuristics	heuristic	NOUN
fsr-3223	808	8	and	and	CCONJ
fsr-3223	808	9	target	target	NOUN
fsr-3223	808	10	-	-	PUNCT
fsr-3223	808	11	date	date	NOUN
fsr-3223	808	12	funds	fund	NOUN
fsr-3223	808	13	.	.	PUNCT
fsr-3223	809	1	journal	journal	NOUN
fsr-3223	809	2	of	of	ADP
fsr-3223	809	3	financial	financial	ADJ
fsr-3223	809	4	planning	planning	NOUN
fsr-3223	809	5	,	,	PUNCT
fsr-3223	809	6	23	23	NUM
fsr-3223	809	7	,	,	PUNCT
fsr-3223	809	8	60–71	60–71	NOUN
fsr-3223	809	9	.	.	PUNCT
fsr-3223	810	1	employee	employee	NOUN
fsr-3223	810	2	benefit	benefit	VERB
fsr-3223	810	3	security	security	NOUN
fsr-3223	810	4	administration	administration	NOUN
fsr-3223	810	5	.	.	PUNCT
fsr-3223	811	1	(	(	PUNCT
fsr-3223	811	2	february	february	PROPN
fsr-3223	811	3	2013	2013	NUM
fsr-3223	811	4	)	)	PUNCT
fsr-3223	811	5	.	.	PUNCT
fsr-3223	812	1	u.s	u.s	PROPN
fsr-3223	812	2	.	.	PROPN
fsr-3223	812	3	department	department	PROPN
fsr-3223	812	4	of	of	ADP
fsr-3223	812	5	labor	labor	PROPN
fsr-3223	812	6	,	,	PUNCT
fsr-3223	812	7	washington	washington	PROPN
fsr-3223	812	8	,	,	PUNCT
fsr-3223	812	9	dc	dc	PROPN
fsr-3223	812	10	.	.	PROPN
fsr-3223	812	11	target	target	PROPN
fsr-3223	812	12	date	date	NOUN
fsr-3223	812	13	retirement	retirement	NOUN
fsr-3223	812	14	funds	fund	NOUN
fsr-3223	812	15	—	—	PUNCT
fsr-3223	812	16	tips	tip	NOUN
fsr-3223	812	17	for	for	ADP
fsr-3223	812	18	erisa	erisa	NOUN
fsr-3223	812	19	plan	plan	NOUN
fsr-3223	812	20	fiduciaries	fiduciary	NOUN
fsr-3223	812	21	.	.	PUNCT
fsr-3223	813	1	p.	p.	NOUN
fsr-3223	813	2	2–3	2–3	PROPN
fsr-3223	813	3	.	.	PUNCT
fsr-3223	814	1	employee	employee	NOUN
fsr-3223	814	2	benefits	benefit	VERB
fsr-3223	814	3	security	security	NOUN
fsr-3223	814	4	administration	administration	NOUN
fsr-3223	814	5	.	.	PUNCT
fsr-3223	815	1	(	(	PUNCT
fsr-3223	815	2	april	april	PROPN
fsr-3223	815	3	2008	2008	NUM
fsr-3223	815	4	)	)	PUNCT
fsr-3223	815	5	.	.	PUNCT
fsr-3223	816	1	u.s	u.s	PROPN
fsr-3223	816	2	.	.	PROPN
fsr-3223	816	3	department	department	PROPN
fsr-3223	816	4	of	of	ADP
fsr-3223	816	5	labor	labor	PROPN
fsr-3223	816	6	,	,	PUNCT
fsr-3223	816	7	washington	washington	PROPN
fsr-3223	816	8	,	,	PUNCT
fsr-3223	816	9	dc	dc	PROPN
fsr-3223	816	10	.	.	PUNCT
fsr-3223	817	1	regulation	regulation	NOUN
fsr-3223	817	2	relating	relate	VERB
fsr-3223	817	3	to	to	ADP
fsr-3223	817	4	qualified	qualified	ADJ
fsr-3223	817	5	default	default	NOUN
fsr-3223	817	6	investment	investment	NOUN
fsr-3223	817	7	alternatives	alternative	NOUN
fsr-3223	817	8	in	in	ADP
fsr-3223	817	9	participant	participant	ADV
fsr-3223	817	10	-	-	PUNCT
fsr-3223	817	11	directed	direct	VERB
fsr-3223	817	12	individual	individual	ADJ
fsr-3223	817	13	account	account	NOUN
fsr-3223	817	14	plans	plan	NOUN
fsr-3223	817	15	.	.	PUNCT
fsr-3223	818	1	p.	p.	NOUN
fsr-3223	818	2	1–2	1–2	NUM
fsr-3223	818	3	.	.	PUNCT
fsr-3223	819	1	estrada	estrada	PROPN
fsr-3223	819	2	,	,	PUNCT
fsr-3223	819	3	j.	j.	PROPN
fsr-3223	819	4	(	(	PUNCT
fsr-3223	819	5	2014	2014	NUM
fsr-3223	819	6	)	)	PUNCT
fsr-3223	819	7	.	.	PUNCT
fsr-3223	820	1	the	the	DET
fsr-3223	820	2	glidepath	glidepath	PROPN
fsr-3223	820	3	illusion	illusion	NOUN
fsr-3223	820	4	:	:	PUNCT
fsr-3223	820	5	an	an	DET
fsr-3223	820	6	international	international	ADJ
fsr-3223	820	7	perspective	perspective	NOUN
fsr-3223	820	8	.	.	PUNCT
fsr-3223	821	1	journal	journal	PROPN
fsr-3223	821	2	of	of	ADP
fsr-3223	821	3	portfolio	portfolio	NOUN
fsr-3223	821	4	management	management	NOUN
fsr-3223	821	5	,	,	PUNCT
fsr-3223	821	6	40	40	NUM
fsr-3223	821	7	,	,	PUNCT
fsr-3223	821	8	52–64	52–64	NUM
fsr-3223	821	9	.	.	PUNCT
fsr-3223	822	1	gomes	gomes	PROPN
fsr-3223	822	2	,	,	PUNCT
fsr-3223	822	3	f.	f.	PROPN
fsr-3223	822	4	j.	j.	PROPN
fsr-3223	822	5	,	,	PUNCT
fsr-3223	822	6	kotlikoff	kotlikoff	PROPN
fsr-3223	822	7	,	,	PUNCT
fsr-3223	822	8	l.	l.	PROPN
fsr-3223	822	9	j.	j.	PROPN
fsr-3223	822	10	,	,	PUNCT
fsr-3223	822	11	&	&	CCONJ
fsr-3223	822	12	viceira	viceira	PROPN
fsr-3223	822	13	,	,	PUNCT
fsr-3223	822	14	l.	l.	PROPN
fsr-3223	822	15	m.	m.	PROPN
fsr-3223	822	16	(	(	PUNCT
fsr-3223	822	17	2008	2008	NUM
fsr-3223	822	18	)	)	PUNCT
fsr-3223	822	19	.	.	PUNCT
fsr-3223	823	1	optimal	optimal	ADJ
fsr-3223	823	2	life	life	NOUN
fsr-3223	823	3	-	-	PUNCT
fsr-3223	823	4	cycle	cycle	NOUN
fsr-3223	823	5	investing	invest	VERB
fsr-3223	823	6	with	with	ADP
fsr-3223	823	7	flexible	flexible	ADJ
fsr-3223	823	8	labor	labor	NOUN
fsr-3223	823	9	supply	supply	NOUN
fsr-3223	823	10	:	:	PUNCT
fsr-3223	823	11	a	a	DET
fsr-3223	823	12	welfare	welfare	NOUN
fsr-3223	823	13	analysis	analysis	NOUN
fsr-3223	823	14	of	of	ADP
fsr-3223	823	15	life	life	NOUN
fsr-3223	823	16	-	-	PUNCT
fsr-3223	823	17	cycle	cycle	NOUN
fsr-3223	823	18	funds	fund	NOUN
fsr-3223	823	19	.	.	PUNCT
fsr-3223	824	1	american	american	PROPN
fsr-3223	824	2	economic	economic	PROPN
fsr-3223	824	3	review	review	PROPN
fsr-3223	824	4	:	:	PUNCT
fsr-3223	824	5	papers	paper	NOUN
fsr-3223	824	6	and	and	CCONJ
fsr-3223	824	7	proceedings	proceeding	NOUN
fsr-3223	824	8	,	,	PUNCT
fsr-3223	824	9	98	98	NUM
fsr-3223	824	10	,	,	PUNCT
fsr-3223	824	11	297–303	297–303	NUM
fsr-3223	824	12	.	.	PUNCT
fsr-3223	825	1	holt	holt	PROPN
fsr-3223	825	2	,	,	PUNCT
fsr-3223	825	3	j.	j.	PROPN
fsr-3223	825	4	,	,	PUNCT
fsr-3223	825	5	yang	yang	PROPN
fsr-3223	825	6	,	,	PUNCT
fsr-3223	825	7	j.	j.	PROPN
fsr-3223	825	8	,	,	PUNCT
fsr-3223	825	9	acheson	acheson	PROPN
fsr-3223	825	10	l.	l.	PROPN
fsr-3223	825	11	,	,	PUNCT
fsr-3223	825	12	&	&	CCONJ
fsr-3223	825	13	wasserman	wasserman	PROPN
fsr-3223	825	14	,	,	PUNCT
fsr-3223	825	15	s.	s.	PROPN
fsr-3223	825	16	(	(	PUNCT
fsr-3223	825	17	2016	2016	NUM
fsr-3223	825	18	)	)	PUNCT
fsr-3223	825	19	.	.	PUNCT
fsr-3223	826	1	2016	2016	NUM
fsr-3223	826	2	target	target	NOUN
fsr-3223	826	3	-	-	PUNCT
fsr-3223	826	4	date	date	NOUN
fsr-3223	826	5	fund	fund	NOUN
fsr-3223	826	6	landscape	landscape	NOUN
fsr-3223	826	7	.	.	PUNCT
fsr-3223	827	1	morningstar	morningstar	PROPN
fsr-3223	827	2	research	research	PROPN
fsr-3223	827	3	,	,	PUNCT
fsr-3223	827	4	68	68	NUM
fsr-3223	827	5	.	.	NOUN
fsr-3223	827	6	260	260	NUM
fsr-3223	827	7	s.	s.	PROPN
fsr-3223	827	8	singh	singh	PROPN
fsr-3223	827	9	/	/	SYM
fsr-3223	827	10	financial	financial	ADJ
fsr-3223	827	11	services	service	NOUN
fsr-3223	827	12	review	review	VERB
fsr-3223	827	13	25	25	NUM
fsr-3223	827	14	(	(	PUNCT
fsr-3223	827	15	2016	2016	NUM
fsr-3223	827	16	)	)	PUNCT
fsr-3223	827	17	235–262	235–262	NUM
fsr-3223	827	18	idzorek	idzorek	NOUN
fsr-3223	827	19	,	,	PUNCT
fsr-3223	827	20	t.	t.	PROPN
fsr-3223	827	21	,	,	PUNCT
fsr-3223	827	22	stempien	stempien	PROPN
fsr-3223	827	23	,	,	PUNCT
fsr-3223	827	24	j.	j.	PROPN
fsr-3223	827	25	,	,	PUNCT
fsr-3223	827	26	&	&	CCONJ
fsr-3223	827	27	voris	voris	PROPN
fsr-3223	827	28	,	,	PUNCT
fsr-3223	827	29	n.	n.	NOUN
fsr-3223	827	30	(	(	PUNCT
fsr-3223	827	31	2013	2013	NUM
fsr-3223	827	32	)	)	PUNCT
fsr-3223	827	33	.	.	PUNCT
fsr-3223	828	1	bait	bait	VERB
fsr-3223	828	2	and	and	CCONJ
fsr-3223	828	3	switch	switch	VERB
fsr-3223	828	4	:	:	PUNCT
fsr-3223	828	5	glide	glide	NOUN
fsr-3223	828	6	path	path	NOUN
fsr-3223	828	7	instability	instability	NOUN
fsr-3223	828	8	.	.	PUNCT
fsr-3223	829	1	journal	journal	PROPN
fsr-3223	829	2	of	of	ADP
fsr-3223	829	3	investing	investing	NOUN
fsr-3223	829	4	,	,	PUNCT
fsr-3223	829	5	22	22	NUM
fsr-3223	829	6	,	,	PUNCT
fsr-3223	829	7	74–82	74–82	NUM
fsr-3223	829	8	.	.	PUNCT
fsr-3223	830	1	idzorek	idzorek	NOUN
fsr-3223	830	2	,	,	PUNCT
fsr-3223	830	3	t.	t.	PROPN
fsr-3223	830	4	(	(	PUNCT
fsr-3223	830	5	2008	2008	NUM
fsr-3223	830	6	)	)	PUNCT
fsr-3223	830	7	.	.	PUNCT
fsr-3223	831	1	lifetime	lifetime	NOUN
fsr-3223	831	2	asset	asset	NOUN
fsr-3223	831	3	allocation	allocation	NOUN
fsr-3223	831	4	methodologies	methodology	NOUN
fsr-3223	831	5	for	for	ADP
fsr-3223	831	6	target	target	NOUN
fsr-3223	831	7	date	date	NOUN
fsr-3223	831	8	maturity	maturity	NOUN
fsr-3223	831	9	funds	fund	NOUN
fsr-3223	831	10	.	.	PUNCT
fsr-3223	832	1	unpublished	unpublished	ADJ
fsr-3223	832	2	manuscript	manuscript	NOUN
fsr-3223	832	3	,	,	PUNCT
fsr-3223	832	4	ibbotson	ibbotson	PROPN
fsr-3223	832	5	associates	associates	PROPN
fsr-3223	832	6	,	,	PUNCT
fsr-3223	832	7	22–26	22–26	NUM
fsr-3223	832	8	.	.	PUNCT
fsr-3223	833	1	investment	investment	NOUN
fsr-3223	833	2	company	company	PROPN
fsr-3223	833	3	institute	institute	NOUN
fsr-3223	833	4	.	.	PUNCT
fsr-3223	834	1	(	(	PUNCT
fsr-3223	834	2	2015	2015	NUM
fsr-3223	834	3	)	)	PUNCT
fsr-3223	834	4	.	.	PUNCT
fsr-3223	835	1	investment	investment	NOUN
fsr-3223	835	2	company	company	NOUN
fsr-3223	835	3	fact	fact	NOUN
fsr-3223	835	4	book	book	NOUN
fsr-3223	835	5	,	,	PUNCT
fsr-3223	835	6	2015	2015	NUM
fsr-3223	835	7	.	.	PUNCT
fsr-3223	836	1	p.	p.	NOUN
fsr-3223	836	2	45	45	NUM
fsr-3223	836	3	,	,	PUNCT
fsr-3223	836	4	p.	p.	NOUN
fsr-3223	836	5	230–231	230–231	NUM
fsr-3223	836	6	.	.	PUNCT
fsr-3223	837	1	investment	investment	NOUN
fsr-3223	837	2	company	company	PROPN
fsr-3223	837	3	institute	institute	NOUN
fsr-3223	837	4	.	.	PUNCT
fsr-3223	838	1	(	(	PUNCT
fsr-3223	838	2	2015	2015	NUM
fsr-3223	838	3	)	)	PUNCT
fsr-3223	838	4	.	.	PUNCT
fsr-3223	839	1	frequently	frequently	ADV
fsr-3223	839	2	asked	ask	VERB
fsr-3223	839	3	questions	question	NOUN
fsr-3223	839	4	about	about	ADP
fsr-3223	839	5	target	target	NOUN
fsr-3223	839	6	date	date	NOUN
fsr-3223	839	7	or	or	CCONJ
fsr-3223	839	8	lifecycle	lifecycle	NOUN
fsr-3223	839	9	funds	fund	NOUN
fsr-3223	839	10	.	.	PUNCT
fsr-3223	840	1	p.	p.	NOUN
fsr-3223	840	2	2–3	2–3	NUM
fsr-3223	840	3	:	:	PUNCT
fsr-3223	840	4	investment	investment	NOUN
fsr-3223	840	5	company	company	PROPN
fsr-3223	840	6	institute	institute	PROPN
fsr-3223	840	7	,	,	PUNCT
fsr-3223	840	8	washington	washington	PROPN
fsr-3223	840	9	,	,	PUNCT
fsr-3223	840	10	dc	dc	PROPN
fsr-3223	840	11	.	.	PUNCT
fsr-3223	840	12	investment	investment	PROPN
fsr-3223	840	13	company	company	PROPN
fsr-3223	840	14	institute	institute	PROPN
fsr-3223	840	15	.	.	PUNCT
fsr-3223	841	1	(	(	PUNCT
fsr-3223	841	2	2014	2014	NUM
fsr-3223	841	3	)	)	PUNCT
fsr-3223	841	4	.	.	PUNCT
fsr-3223	842	1	401(k	401(k	NOUN
fsr-3223	842	2	)	)	PUNCT
fsr-3223	842	3	plan	plan	VERB
fsr-3223	842	4	asset	asset	NOUN
fsr-3223	842	5	allocation	allocation	NOUN
fsr-3223	842	6	,	,	PUNCT
fsr-3223	842	7	account	account	NOUN
fsr-3223	842	8	balances	balance	NOUN
fsr-3223	842	9	and	and	CCONJ
fsr-3223	842	10	loan	loan	NOUN
fsr-3223	842	11	activity	activity	NOUN
fsr-3223	842	12	in	in	ADP
fsr-3223	842	13	2013	2013	NUM
fsr-3223	842	14	,	,	PUNCT
fsr-3223	842	15	ici	ici	PROPN
fsr-3223	842	16	research	research	PROPN
fsr-3223	842	17	perspective	perspective	NOUN
fsr-3223	842	18	,	,	PUNCT
fsr-3223	842	19	20	20	NUM
fsr-3223	842	20	,	,	PUNCT
fsr-3223	842	21	40–47	40–47	NUM
fsr-3223	842	22	.	.	PUNCT
fsr-3223	843	1	jennings	jennings	PROPN
fsr-3223	843	2	w.	w.	PROPN
fsr-3223	843	3	w.	w.	PROPN
fsr-3223	843	4	,	,	PUNCT
fsr-3223	843	5	&	&	CCONJ
fsr-3223	843	6	reichenstein	reichenstein	PROPN
fsr-3223	843	7	,	,	PUNCT
fsr-3223	843	8	w.	w.	PROPN
fsr-3223	843	9	(	(	PUNCT
fsr-3223	843	10	2003	2003	NUM
fsr-3223	843	11	)	)	PUNCT
fsr-3223	843	12	.	.	PUNCT
fsr-3223	844	1	valuing	value	VERB
fsr-3223	844	2	defined	define	VERB
fsr-3223	844	3	-	-	PUNCT
fsr-3223	844	4	benefit	benefit	NOUN
fsr-3223	844	5	plans	plan	NOUN
fsr-3223	844	6	.	.	PUNCT
fsr-3223	845	1	financial	financial	ADJ
fsr-3223	845	2	services	service	NOUN
fsr-3223	845	3	review	review	PROPN
fsr-3223	845	4	,	,	PUNCT
fsr-3223	845	5	12	12	NUM
fsr-3223	845	6	,	,	PUNCT
fsr-3223	845	7	179–199	179–199	NUM
fsr-3223	845	8	.	.	PUNCT
fsr-3223	846	1	kalman	kalman	PROPN
fsr-3223	846	2	,	,	PUNCT
fsr-3223	846	3	m.	m.	PROPN
fsr-3223	846	4	b.	b.	PROPN
fsr-3223	846	5	(	(	PUNCT
fsr-3223	846	6	2011	2011	NUM
fsr-3223	846	7	)	)	PUNCT
fsr-3223	846	8	.	.	PUNCT
fsr-3223	847	1	the	the	DET
fsr-3223	847	2	role	role	NOUN
fsr-3223	847	3	of	of	ADP
fsr-3223	847	4	the	the	DET
fsr-3223	847	5	equity	equity	NOUN
fsr-3223	847	6	risk	risk	NOUN
fsr-3223	847	7	premium	premium	NOUN
fsr-3223	847	8	in	in	ADP
fsr-3223	847	9	the	the	DET
fsr-3223	847	10	shortfall	shortfall	NOUN
fsr-3223	847	11	risk	risk	NOUN
fsr-3223	847	12	of	of	ADP
fsr-3223	847	13	target	target	NOUN
fsr-3223	847	14	-	-	PUNCT
fsr-3223	847	15	date	date	NOUN
fsr-3223	847	16	funds	fund	NOUN
fsr-3223	847	17	.	.	PUNCT
fsr-3223	848	1	financial	financial	ADJ
fsr-3223	848	2	services	service	NOUN
fsr-3223	848	3	review	review	PROPN
fsr-3223	848	4	,	,	PUNCT
fsr-3223	848	5	20	20	NUM
fsr-3223	848	6	,	,	PUNCT
fsr-3223	848	7	265–284	265–284	NUM
fsr-3223	848	8	.	.	PUNCT
fsr-3223	849	1	kitces	kitce	NOUN
fsr-3223	849	2	,	,	PUNCT
fsr-3223	849	3	m.	m.	PROPN
fsr-3223	849	4	e.	e.	PROPN
fsr-3223	849	5	,	,	PUNCT
fsr-3223	849	6	&	&	CCONJ
fsr-3223	849	7	pfau	pfau	PROPN
fsr-3223	849	8	,	,	PUNCT
fsr-3223	849	9	w.	w.	PROPN
fsr-3223	849	10	d.	d.	PROPN
fsr-3223	849	11	(	(	PUNCT
fsr-3223	849	12	2015	2015	NUM
fsr-3223	849	13	)	)	PUNCT
fsr-3223	849	14	.	.	PUNCT
fsr-3223	850	1	retirement	retirement	NOUN
fsr-3223	850	2	risk	risk	NOUN
fsr-3223	850	3	,	,	PUNCT
fsr-3223	850	4	rising	rise	VERB
fsr-3223	850	5	equity	equity	NOUN
fsr-3223	850	6	glide	glide	NOUN
fsr-3223	850	7	paths	path	NOUN
fsr-3223	850	8	,	,	PUNCT
fsr-3223	850	9	and	and	CCONJ
fsr-3223	850	10	valuation	valuation	NOUN
fsr-3223	850	11	-	-	PUNCT
fsr-3223	850	12	based	base	VERB
fsr-3223	850	13	asset	asset	NOUN
fsr-3223	850	14	allocation	allocation	NOUN
fsr-3223	850	15	.	.	PUNCT
fsr-3223	851	1	journal	journal	PROPN
fsr-3223	851	2	of	of	ADP
fsr-3223	851	3	financial	financial	ADJ
fsr-3223	851	4	planning	planning	NOUN
fsr-3223	851	5	,	,	PUNCT
fsr-3223	851	6	28	28	NUM
fsr-3223	851	7	,	,	PUNCT
fsr-3223	851	8	38–48	38–48	NUM
fsr-3223	851	9	.	.	PUNCT
fsr-3223	852	1	landsberg	landsberg	PROPN
fsr-3223	852	2	,	,	PUNCT
fsr-3223	852	3	r.	r.	PROPN
fsr-3223	852	4	d.	d.	PROPN
fsr-3223	852	5	(	(	PUNCT
fsr-3223	852	6	2014	2014	NUM
fsr-3223	852	7	)	)	PUNCT
fsr-3223	852	8	.	.	PUNCT
fsr-3223	853	1	fiduciary	fiduciary	ADJ
fsr-3223	853	2	risk	risk	NOUN
fsr-3223	853	3	management	management	NOUN
fsr-3223	853	4	and	and	CCONJ
fsr-3223	853	5	target	target	NOUN
fsr-3223	853	6	date	date	NOUN
fsr-3223	853	7	funds	fund	NOUN
fsr-3223	853	8	.	.	PUNCT
fsr-3223	854	1	journal	journal	NOUN
fsr-3223	854	2	of	of	ADP
fsr-3223	854	3	deferred	defer	VERB
fsr-3223	854	4	compensation	compensation	NOUN
fsr-3223	854	5	,	,	PUNCT
fsr-3223	854	6	19	19	NUM
fsr-3223	854	7	,	,	PUNCT
fsr-3223	854	8	86–94	86–94	NUM
fsr-3223	854	9	.	.	PUNCT
fsr-3223	854	10	landsberg	landsberg	PROPN
fsr-3223	854	11	,	,	PUNCT
fsr-3223	854	12	r.	r.	PROPN
fsr-3223	854	13	d.	d.	PROPN
fsr-3223	854	14	(	(	PUNCT
fsr-3223	854	15	2011	2011	NUM
fsr-3223	854	16	)	)	PUNCT
fsr-3223	854	17	.	.	PUNCT
fsr-3223	855	1	target	target	NOUN
fsr-3223	855	2	date	date	NOUN
fsr-3223	855	3	funds	fund	NOUN
fsr-3223	855	4	and	and	CCONJ
fsr-3223	855	5	the	the	DET
fsr-3223	855	6	proposed	propose	VERB
fsr-3223	855	7	sec	sec	PROPN
fsr-3223	855	8	rule	rule	NOUN
fsr-3223	855	9	on	on	ADP
fsr-3223	855	10	disclosure	disclosure	NOUN
fsr-3223	855	11	.	.	PUNCT
fsr-3223	856	1	journal	journal	NOUN
fsr-3223	856	2	of	of	ADP
fsr-3223	856	3	pension	pension	NOUN
fsr-3223	856	4	planning	planning	NOUN
fsr-3223	856	5	&	&	CCONJ
fsr-3223	856	6	compliance	compliance	NOUN
fsr-3223	856	7	,	,	PUNCT
fsr-3223	856	8	36	36	NUM
fsr-3223	856	9	,	,	PUNCT
fsr-3223	856	10	86–94	86–94	NUM
fsr-3223	856	11	.	.	PUNCT
fsr-3223	856	12	landsberg	landsberg	PROPN
fsr-3223	856	13	,	,	PUNCT
fsr-3223	856	14	r.	r.	PROPN
fsr-3223	856	15	d.	d.	PROPN
fsr-3223	856	16	(	(	PUNCT
fsr-3223	856	17	2007	2007	NUM
fsr-3223	856	18	)	)	PUNCT
fsr-3223	856	19	.	.	PUNCT
fsr-3223	857	1	an	an	DET
fsr-3223	857	2	overview	overview	NOUN
fsr-3223	857	3	of	of	ADP
fsr-3223	857	4	the	the	DET
fsr-3223	857	5	pension	pension	NOUN
fsr-3223	857	6	protection	protection	NOUN
fsr-3223	857	7	act	act	NOUN
fsr-3223	857	8	of	of	ADP
fsr-3223	857	9	2006	2006	NUM
fsr-3223	857	10	.	.	PUNCT
fsr-3223	858	1	journal	journal	NOUN
fsr-3223	858	2	of	of	ADP
fsr-3223	858	3	deferred	deferred	ADJ
fsr-3223	858	4	compensation	compensation	NOUN
fsr-3223	858	5	,	,	PUNCT
fsr-3223	858	6	13	13	NUM
fsr-3223	858	7	,	,	PUNCT
fsr-3223	858	8	13–33	13–33	NUM
fsr-3223	858	9	.	.	PUNCT
fsr-3223	859	1	lewis	lewis	PROPN
fsr-3223	859	2	,	,	PUNCT
fsr-3223	859	3	n.	n.	PROPN
fsr-3223	859	4	d.	d.	PROPN
fsr-3223	859	5	(	(	PUNCT
fsr-3223	859	6	2008	2008	NUM
fsr-3223	859	7	)	)	PUNCT
fsr-3223	859	8	.	.	PUNCT
fsr-3223	860	1	assessing	assess	VERB
fsr-3223	860	2	shortfall	shortfall	NOUN
fsr-3223	860	3	risk	risk	NOUN
fsr-3223	860	4	in	in	ADP
fsr-3223	860	5	life	life	NOUN
fsr-3223	860	6	-	-	PUNCT
fsr-3223	860	7	cycle	cycle	NOUN
fsr-3223	860	8	investment	investment	NOUN
fsr-3223	860	9	funds	fund	NOUN
fsr-3223	860	10	.	.	PUNCT
fsr-3223	861	1	journal	journal	NOUN
fsr-3223	861	2	of	of	ADP
fsr-3223	861	3	wealth	wealth	NOUN
fsr-3223	861	4	management	management	NOUN
fsr-3223	861	5	,	,	PUNCT
fsr-3223	861	6	11	11	NUM
fsr-3223	861	7	,	,	PUNCT
fsr-3223	861	8	15–19	15–19	NUM
fsr-3223	861	9	.	.	PUNCT
fsr-3223	862	1	lipton	lipton	PROPN
fsr-3223	862	2	,	,	PUNCT
fsr-3223	862	3	a.	a.	PROPN
fsr-3223	862	4	f.	f.	PROPN
fsr-3223	862	5	,	,	PUNCT
fsr-3223	862	6	&	&	CCONJ
fsr-3223	862	7	kish	kish	PROPN
fsr-3223	862	8	,	,	PUNCT
fsr-3223	862	9	r.	r.	PROPN
fsr-3223	862	10	j.	j.	PROPN
fsr-3223	862	11	(	(	PUNCT
fsr-3223	862	12	2011	2011	NUM
fsr-3223	862	13	)	)	PUNCT
fsr-3223	862	14	.	.	PUNCT
fsr-3223	863	1	life	life	NOUN
fsr-3223	863	2	cycle	cycle	NOUN
fsr-3223	863	3	funds	fund	NOUN
fsr-3223	863	4	:	:	PUNCT
fsr-3223	863	5	lack	lack	NOUN
fsr-3223	863	6	of	of	ADP
fsr-3223	863	7	disclosure	disclosure	NOUN
fsr-3223	863	8	and	and	CCONJ
fsr-3223	863	9	lack	lack	NOUN
fsr-3223	863	10	of	of	ADP
fsr-3223	863	11	return	return	NOUN
fsr-3223	863	12	.	.	PUNCT
fsr-3223	864	1	financial	financial	ADJ
fsr-3223	864	2	services	service	NOUN
fsr-3223	864	3	review	review	PROPN
fsr-3223	864	4	,	,	PUNCT
fsr-3223	864	5	20	20	NUM
fsr-3223	864	6	,	,	PUNCT
fsr-3223	864	7	75–94	75–94	NUM
fsr-3223	864	8	.	.	PUNCT
fsr-3223	865	1	markowitz	markowitz	PROPN
fsr-3223	865	2	,	,	PUNCT
fsr-3223	865	3	h.	h.	PROPN
fsr-3223	865	4	m.	m.	PROPN
fsr-3223	865	5	(	(	PUNCT
fsr-3223	865	6	1952	1952	NUM
fsr-3223	865	7	)	)	PUNCT
fsr-3223	865	8	.	.	PUNCT
fsr-3223	866	1	portfolio	portfolio	NOUN
fsr-3223	866	2	selection	selection	NOUN
fsr-3223	866	3	.	.	PUNCT
fsr-3223	867	1	journal	journal	PROPN
fsr-3223	867	2	of	of	ADP
fsr-3223	867	3	finance	finance	NOUN
fsr-3223	867	4	,	,	PUNCT
fsr-3223	867	5	7	7	NUM
fsr-3223	867	6	,	,	PUNCT
fsr-3223	867	7	1	1	NUM
fsr-3223	867	8	,	,	PUNCT
fsr-3223	867	9	77–91	77–91	NUM
fsr-3223	867	10	.	.	PUNCT
fsr-3223	868	1	mayers	mayers	PROPN
fsr-3223	868	2	,	,	PUNCT
fsr-3223	868	3	d.	d.	PROPN
fsr-3223	868	4	(	(	PUNCT
fsr-3223	868	5	1972	1972	NUM
fsr-3223	868	6	)	)	PUNCT
fsr-3223	868	7	.	.	PUNCT
fsr-3223	869	1	non	non	ADJ
fsr-3223	869	2	-	-	ADJ
fsr-3223	869	3	marketable	marketable	ADJ
fsr-3223	869	4	assets	asset	NOUN
fsr-3223	869	5	and	and	CCONJ
fsr-3223	869	6	capital	capital	NOUN
fsr-3223	869	7	market	market	NOUN
fsr-3223	869	8	equilibrium	equilibrium	NOUN
fsr-3223	869	9	under	under	ADP
fsr-3223	869	10	uncertainty	uncertainty	NOUN
fsr-3223	869	11	.	.	PUNCT
fsr-3223	870	1	in	in	ADP
fsr-3223	870	2	m.	m.	PROPN
fsr-3223	870	3	jensen	jensen	PROPN
fsr-3223	870	4	(	(	PUNCT
fsr-3223	870	5	ed	ed	NOUN
fsr-3223	870	6	.	.	PUNCT
fsr-3223	870	7	)	)	PUNCT
fsr-3223	870	8	,	,	PUNCT
fsr-3223	870	9	studies	study	NOUN
fsr-3223	870	10	in	in	ADP
fsr-3223	870	11	the	the	DET
fsr-3223	870	12	theory	theory	NOUN
fsr-3223	870	13	of	of	ADP
fsr-3223	870	14	capital	capital	NOUN
fsr-3223	870	15	markets	market	NOUN
fsr-3223	870	16	(	(	PUNCT
fsr-3223	870	17	pp	pp	ADJ
fsr-3223	870	18	.	.	PUNCT
fsr-3223	870	19	223–248	223–248	NUM
fsr-3223	870	20	)	)	PUNCT
fsr-3223	870	21	.	.	PUNCT
fsr-3223	871	1	new	new	PROPN
fsr-3223	871	2	york	york	PROPN
fsr-3223	871	3	:	:	PUNCT
fsr-3223	871	4	praeger	praeger	NOUN
fsr-3223	871	5	.	.	PUNCT
fsr-3223	872	1	mcgraw	mcgraw	PROPN
fsr-3223	872	2	hill	hill	PROPN
fsr-3223	872	3	financial	financial	PROPN
fsr-3223	872	4	.	.	PUNCT
fsr-3223	873	1	(	(	PUNCT
fsr-3223	873	2	2015	2015	NUM
fsr-3223	873	3	)	)	PUNCT
fsr-3223	873	4	.	.	PUNCT
fsr-3223	874	1	dow	dow	PROPN
fsr-3223	874	2	jones	jones	PROPN
fsr-3223	874	3	target	target	PROPN
fsr-3223	874	4	date	date	NOUN
fsr-3223	874	5	indexes	index	NOUN
fsr-3223	874	6	:	:	PUNCT
fsr-3223	874	7	risk	risk	NOUN
fsr-3223	874	8	attributes	attribute	NOUN
fsr-3223	874	9	and	and	CCONJ
fsr-3223	874	10	performance	performance	NOUN
fsr-3223	874	11	(	(	PUNCT
fsr-3223	874	12	available	available	ADJ
fsr-3223	874	13	at	at	ADP
fsr-3223	874	14	http://tinyurl.com/nsqk3py	http://tinyurl.com/nsqk3py	PROPN
fsr-3223	874	15	)	)	PUNCT
fsr-3223	874	16	.	.	PUNCT
fsr-3223	875	1	meder	meder	PROPN
fsr-3223	875	2	,	,	PUNCT
fsr-3223	875	3	a.	a.	PROPN
fsr-3223	875	4	h.	h.	PROPN
fsr-3223	875	5	(	(	PUNCT
fsr-3223	875	6	2012	2012	NUM
fsr-3223	875	7	)	)	PUNCT
fsr-3223	875	8	.	.	PUNCT
fsr-3223	876	1	level	level	NOUN
fsr-3223	876	2	1	1	NUM
fsr-3223	876	3	ldi	ldi	NOUN
fsr-3223	876	4	:	:	PUNCT
fsr-3223	876	5	selecting	select	VERB
fsr-3223	876	6	an	an	DET
fsr-3223	876	7	appropriate	appropriate	ADJ
fsr-3223	876	8	benchmark	benchmark	NOUN
fsr-3223	876	9	.	.	PUNCT
fsr-3223	877	1	journal	journal	NOUN
fsr-3223	877	2	of	of	ADP
fsr-3223	877	3	investing	investing	NOUN
fsr-3223	877	4	,	,	PUNCT
fsr-3223	877	5	21	21	NUM
fsr-3223	877	6	,	,	PUNCT
fsr-3223	877	7	117–127	117–127	NUM
fsr-3223	877	8	.	.	PUNCT
fsr-3223	878	1	merton	merton	PROPN
fsr-3223	878	2	,	,	PUNCT
fsr-3223	878	3	r.	r.	PROPN
fsr-3223	878	4	c.	c.	PROPN
fsr-3223	878	5	(	(	PUNCT
fsr-3223	878	6	1969	1969	NUM
fsr-3223	878	7	)	)	PUNCT
fsr-3223	878	8	.	.	PUNCT
fsr-3223	879	1	lifetime	lifetime	NOUN
fsr-3223	879	2	portfolio	portfolio	NOUN
fsr-3223	879	3	selection	selection	NOUN
fsr-3223	879	4	under	under	ADP
fsr-3223	879	5	uncertainty	uncertainty	NOUN
fsr-3223	879	6	:	:	PUNCT
fsr-3223	879	7	the	the	DET
fsr-3223	879	8	continuous	continuous	ADJ
fsr-3223	879	9	-	-	PUNCT
fsr-3223	879	10	time	time	NOUN
fsr-3223	879	11	case	case	NOUN
fsr-3223	879	12	.	.	PUNCT
fsr-3223	880	1	review	review	NOUN
fsr-3223	880	2	of	of	ADP
fsr-3223	880	3	economics	economic	NOUN
fsr-3223	880	4	and	and	CCONJ
fsr-3223	880	5	statistics	statistic	NOUN
fsr-3223	880	6	,	,	PUNCT
fsr-3223	880	7	51	51	NUM
fsr-3223	880	8	,	,	PUNCT
fsr-3223	880	9	247–257	247–257	NUM
fsr-3223	880	10	.	.	PUNCT
fsr-3223	880	11	morningstar	morningstar	PROPN
fsr-3223	880	12	inc	inc	PROPN
fsr-3223	880	13	.	.	PROPN
fsr-3223	881	1	(	(	PUNCT
fsr-3223	881	2	2015	2015	NUM
fsr-3223	881	3	)	)	PUNCT
fsr-3223	881	4	.	.	PUNCT
fsr-3223	882	1	target	target	NOUN
fsr-3223	882	2	date	date	NOUN
fsr-3223	882	3	indexes	index	NOUN
fsr-3223	882	4	:	:	PUNCT
fsr-3223	882	5	comparison	comparison	NOUN
fsr-3223	882	6	grid	grid	NOUN
fsr-3223	882	7	(	(	PUNCT
fsr-3223	882	8	available	available	ADJ
fsr-3223	882	9	at	at	ADP
fsr-3223	882	10	http://tinyurl.com/o42pbdf	http://tinyurl.com/o42pbdf	NUM
fsr-3223	882	11	)	)	PUNCT
fsr-3223	882	12	.	.	PUNCT
fsr-3223	883	1	nagenast	nagenast	PROPN
fsr-3223	883	2	,	,	PUNCT
fsr-3223	883	3	j.	j.	PROPN
fsr-3223	883	4	c.	c.	PROPN
fsr-3223	883	5	,	,	PUNCT
fsr-3223	883	6	bucci	bucci	PROPN
fsr-3223	883	7	,	,	PUNCT
fsr-3223	883	8	j.	j.	PROPN
fsr-3223	883	9	,	,	PUNCT
fsr-3223	883	10	&	&	CCONJ
fsr-3223	883	11	coaker	coaker	PROPN
fsr-3223	883	12	,	,	PUNCT
fsr-3223	883	13	w.	w.	PROPN
fsr-3223	883	14	j.	j.	PROPN
fsr-3223	883	15	,	,	PUNCT
fsr-3223	883	16	ii	ii	PROPN
fsr-3223	883	17	.	.	PUNCT
fsr-3223	883	18	(	(	PUNCT
fsr-3223	883	19	2006	2006	NUM
fsr-3223	883	20	)	)	PUNCT
fsr-3223	883	21	.	.	PUNCT
fsr-3223	884	1	popping	pop	VERB
fsr-3223	884	2	the	the	DET
fsr-3223	884	3	hood	hood	NOUN
fsr-3223	884	4	:	:	PUNCT
fsr-3223	884	5	an	an	DET
fsr-3223	884	6	analysis	analysis	NOUN
fsr-3223	884	7	of	of	ADP
fsr-3223	884	8	major	major	ADJ
fsr-3223	884	9	life	life	NOUN
fsr-3223	884	10	cycle	cycle	NOUN
fsr-3223	884	11	fund	fund	NOUN
fsr-3223	884	12	families	family	NOUN
fsr-3223	884	13	(	(	PUNCT
fsr-3223	884	14	2nd	2nd	ADJ
fsr-3223	884	15	ed	ed	NOUN
fsr-3223	884	16	.	.	PUNCT
fsr-3223	884	17	)	)	PUNCT
fsr-3223	884	18	.	.	PUNCT
fsr-3223	885	1	turnstone	turnstone	PROPN
fsr-3223	885	2	advisory	advisory	ADJ
fsr-3223	885	3	group	group	NOUN
fsr-3223	885	4	llc	llc	PROPN
fsr-3223	885	5	marina	marina	PROPN
fsr-3223	885	6	del	del	PROPN
fsr-3223	885	7	ray	ray	PROPN
fsr-3223	885	8	,	,	PUNCT
fsr-3223	885	9	ca	ca	PROPN
fsr-3223	885	10	.	.	PUNCT
fsr-3223	885	11	pederson	pederson	PROPN
fsr-3223	885	12	,	,	PUNCT
fsr-3223	885	13	n.	n.	PROPN
fsr-3223	885	14	(	(	PUNCT
fsr-3223	885	15	2015	2015	NUM
fsr-3223	885	16	)	)	PUNCT
fsr-3223	885	17	.	.	PUNCT
fsr-3223	886	1	rethinking	rethink	VERB
fsr-3223	886	2	retirement	retirement	NOUN
fsr-3223	886	3	risk	risk	NOUN
fsr-3223	886	4	(	(	PUNCT
fsr-3223	886	5	available	available	ADJ
fsr-3223	886	6	at	at	ADP
fsr-3223	886	7	http://tinyurl.com/ngj227c	http://tinyurl.com/ngj227c	PROPN
fsr-3223	886	8	)	)	PUNCT
fsr-3223	886	9	.	.	PUNCT
fsr-3223	887	1	pfau	pfau	NOUN
fsr-3223	887	2	,	,	PUNCT
fsr-3223	887	3	w.	w.	PROPN
fsr-3223	887	4	d.	d.	PROPN
fsr-3223	887	5	(	(	PUNCT
fsr-3223	887	6	2010	2010	NUM
fsr-3223	887	7	)	)	PUNCT
fsr-3223	887	8	.	.	PUNCT
fsr-3223	888	1	lifecycle	lifecycle	NOUN
fsr-3223	888	2	funds	fund	NOUN
fsr-3223	888	3	and	and	CCONJ
fsr-3223	888	4	wealth	wealth	NOUN
fsr-3223	888	5	accumulation	accumulation	NOUN
fsr-3223	888	6	for	for	ADP
fsr-3223	888	7	retirement	retirement	NOUN
fsr-3223	888	8	:	:	PUNCT
fsr-3223	888	9	evidence	evidence	NOUN
fsr-3223	888	10	for	for	ADP
fsr-3223	888	11	a	a	DET
fsr-3223	888	12	more	more	ADV
fsr-3223	888	13	conservative	conservative	ADJ
fsr-3223	888	14	asset	asset	NOUN
fsr-3223	888	15	allocation	allocation	NOUN
fsr-3223	888	16	as	as	ADP
fsr-3223	888	17	retirement	retirement	NOUN
fsr-3223	888	18	approaches	approach	NOUN
fsr-3223	888	19	.	.	PUNCT
fsr-3223	889	1	financial	financial	ADJ
fsr-3223	889	2	services	service	NOUN
fsr-3223	889	3	review	review	PROPN
fsr-3223	889	4	,	,	PUNCT
fsr-3223	889	5	19	19	NUM
fsr-3223	889	6	,	,	PUNCT
fsr-3223	889	7	59–74	59–74	NUM
fsr-3223	889	8	.	.	PUNCT
fsr-3223	890	1	pfau	pfau	NOUN
fsr-3223	890	2	,	,	PUNCT
fsr-3223	890	3	w.	w.	PROPN
fsr-3223	890	4	d.	d.	PROPN
fsr-3223	890	5	(	(	PUNCT
fsr-3223	890	6	2011	2011	NUM
fsr-3223	890	7	)	)	PUNCT
fsr-3223	890	8	.	.	PUNCT
fsr-3223	891	1	an	an	DET
fsr-3223	891	2	optimizing	optimize	VERB
fsr-3223	891	3	framework	framework	NOUN
fsr-3223	891	4	for	for	ADP
fsr-3223	891	5	the	the	DET
fsr-3223	891	6	glide	glide	ADJ
fsr-3223	891	7	paths	path	NOUN
fsr-3223	891	8	of	of	ADP
fsr-3223	891	9	life	life	NOUN
fsr-3223	891	10	cycle	cycle	NOUN
fsr-3223	891	11	asset	asset	NOUN
fsr-3223	891	12	allocation	allocation	NOUN
fsr-3223	891	13	funds	fund	NOUN
fsr-3223	891	14	.	.	PUNCT
fsr-3223	892	1	applied	apply	VERB
fsr-3223	892	2	economic	economic	ADJ
fsr-3223	892	3	letters	letter	NOUN
fsr-3223	892	4	,	,	PUNCT
fsr-3223	892	5	18	18	NUM
fsr-3223	892	6	,	,	PUNCT
fsr-3223	892	7	55–58	55–58	NUM
fsr-3223	892	8	.	.	PUNCT
fsr-3223	893	1	pfau	pfau	NOUN
fsr-3223	893	2	,	,	PUNCT
fsr-3223	893	3	w.	w.	PROPN
fsr-3223	893	4	d.	d.	PROPN
fsr-3223	893	5	,	,	PUNCT
fsr-3223	893	6	&	&	CCONJ
fsr-3223	893	7	kitces	kitce	NOUN
fsr-3223	893	8	,	,	PUNCT
fsr-3223	893	9	m.	m.	PROPN
fsr-3223	893	10	e.	e.	PROPN
fsr-3223	893	11	(	(	PUNCT
fsr-3223	893	12	2014	2014	NUM
fsr-3223	893	13	)	)	PUNCT
fsr-3223	893	14	.	.	PUNCT
fsr-3223	894	1	reducing	reduce	VERB
fsr-3223	894	2	retirement	retirement	NOUN
fsr-3223	894	3	risk	risk	NOUN
fsr-3223	894	4	with	with	ADP
fsr-3223	894	5	a	a	DET
fsr-3223	894	6	rising	rise	VERB
fsr-3223	894	7	equity	equity	NOUN
fsr-3223	894	8	glide	glide	NOUN
fsr-3223	894	9	path	path	NOUN
fsr-3223	894	10	.	.	PUNCT
fsr-3223	895	1	journal	journal	NOUN
fsr-3223	895	2	of	of	ADP
fsr-3223	895	3	financial	financial	ADJ
fsr-3223	895	4	planning	planning	NOUN
fsr-3223	895	5	,	,	PUNCT
fsr-3223	895	6	27	27	NUM
fsr-3223	895	7	,	,	PUNCT
fsr-3223	895	8	38–45	38–45	NUM
fsr-3223	895	9	.	.	PUNCT
fsr-3223	896	1	richardson	richardson	PROPN
fsr-3223	896	2	,	,	PUNCT
fsr-3223	896	3	d.	d.	PROPN
fsr-3223	896	4	p.	p.	PROPN
fsr-3223	896	5	,	,	PUNCT
fsr-3223	896	6	&	&	CCONJ
fsr-3223	896	7	bissette	bissette	PROPN
fsr-3223	896	8	,	,	PUNCT
fsr-3223	896	9	b.	b.	PROPN
fsr-3223	896	10	(	(	PUNCT
fsr-3223	896	11	2014	2014	NUM
fsr-3223	896	12	)	)	PUNCT
fsr-3223	896	13	.	.	PUNCT
fsr-3223	897	1	trends	trend	NOUN
fsr-3223	897	2	in	in	ADP
fsr-3223	897	3	premium	premium	NOUN
fsr-3223	897	4	and	and	CCONJ
fsr-3223	897	5	asset	asset	NOUN
fsr-3223	897	6	allocation	allocation	NOUN
fsr-3223	897	7	by	by	ADP
fsr-3223	897	8	tiaa	tiaa	ADJ
fsr-3223	897	9	-	-	PUNCT
fsr-3223	897	10	cref	cref	NOUN
fsr-3223	897	11	participants	participant	NOUN
fsr-3223	897	12	:	:	PUNCT
fsr-3223	897	13	2005–2011	2005–2011	NUM
fsr-3223	897	14	.	.	PUNCT
fsr-3223	898	1	tiaa	tiaa	ADJ
fsr-3223	898	2	-	-	PUNCT
fsr-3223	898	3	cref	cref	NOUN
fsr-3223	898	4	institute	institute	NOUN
fsr-3223	898	5	research	research	NOUN
fsr-3223	898	6	dialogue	dialogue	NOUN
fsr-3223	898	7	,	,	PUNCT
fsr-3223	898	8	112	112	NUM
fsr-3223	898	9	,	,	PUNCT
fsr-3223	898	10	23–24	23–24	NUM
fsr-3223	898	11	.	.	PUNCT
fsr-3223	899	1	sharpe	sharpe	PROPN
fsr-3223	899	2	,	,	PUNCT
fsr-3223	899	3	w.	w.	PROPN
fsr-3223	899	4	f.	f.	PROPN
fsr-3223	899	5	(	(	PUNCT
fsr-3223	899	6	1964	1964	NUM
fsr-3223	899	7	)	)	PUNCT
fsr-3223	899	8	.	.	PUNCT
fsr-3223	900	1	capital	capital	NOUN
fsr-3223	900	2	asset	asset	NOUN
fsr-3223	900	3	prices	price	NOUN
fsr-3223	900	4	:	:	PUNCT
fsr-3223	900	5	a	a	DET
fsr-3223	900	6	theory	theory	NOUN
fsr-3223	900	7	of	of	ADP
fsr-3223	900	8	market	market	NOUN
fsr-3223	900	9	equilibrium	equilibrium	NOUN
fsr-3223	900	10	.	.	PUNCT
fsr-3223	901	1	journal	journal	PROPN
fsr-3223	901	2	of	of	ADP
fsr-3223	901	3	finance	finance	NOUN
fsr-3223	901	4	,	,	PUNCT
fsr-3223	901	5	19	19	NUM
fsr-3223	901	6	,	,	PUNCT
fsr-3223	901	7	3	3	NUM
fsr-3223	901	8	,	,	PUNCT
fsr-3223	901	9	425–442	425–442	NUM
fsr-3223	901	10	.	.	PUNCT
fsr-3223	902	1	shiller	shiller	PROPN
fsr-3223	902	2	,	,	PUNCT
fsr-3223	902	3	r.	r.	PROPN
fsr-3223	902	4	j.	j.	PROPN
fsr-3223	902	5	(	(	PUNCT
fsr-3223	902	6	2005	2005	NUM
fsr-3223	902	7	)	)	PUNCT
fsr-3223	902	8	.	.	PUNCT
fsr-3223	903	1	life	life	NOUN
fsr-3223	903	2	-	-	PUNCT
fsr-3223	903	3	cycle	cycle	NOUN
fsr-3223	903	4	portfolios	portfolio	NOUN
fsr-3223	903	5	as	as	ADP
fsr-3223	903	6	government	government	NOUN
fsr-3223	903	7	policy	policy	NOUN
fsr-3223	903	8	.	.	PUNCT
fsr-3223	904	1	the	the	DET
fsr-3223	904	2	economists	economist	NOUN
fsr-3223	904	3	’	’	PART
fsr-3223	904	4	voice	voice	NOUN
fsr-3223	904	5	,	,	PUNCT
fsr-3223	904	6	2	2	NUM
fsr-3223	904	7	,	,	PUNCT
fsr-3223	904	8	1–14	1–14	PROPN
fsr-3223	904	9	.	.	PUNCT
fsr-3223	905	1	spitzer	spitzer	PROPN
fsr-3223	905	2	j.	j.	PROPN
fsr-3223	905	3	j.	j.	PROPN
fsr-3223	905	4	,	,	PUNCT
fsr-3223	905	5	&	&	CCONJ
fsr-3223	905	6	singh	singh	PROPN
fsr-3223	905	7	s.	s.	PROPN
fsr-3223	905	8	(	(	PUNCT
fsr-3223	905	9	2011	2011	NUM
fsr-3223	905	10	)	)	PUNCT
fsr-3223	905	11	.	.	PUNCT
fsr-3223	906	1	assessing	assess	VERB
fsr-3223	906	2	the	the	DET
fsr-3223	906	3	effectiveness	effectiveness	NOUN
fsr-3223	906	4	of	of	ADP
fsr-3223	906	5	lifecycle	lifecycle	NOUN
fsr-3223	906	6	(	(	PUNCT
fsr-3223	906	7	target	target	NOUN
fsr-3223	906	8	-	-	PUNCT
fsr-3223	906	9	date	date	NOUN
fsr-3223	906	10	)	)	PUNCT
fsr-3223	906	11	funds	fund	NOUN
fsr-3223	906	12	during	during	ADP
fsr-3223	906	13	the	the	DET
fsr-3223	906	14	accumulation	accumulation	NOUN
fsr-3223	906	15	phase	phase	NOUN
fsr-3223	906	16	.	.	PUNCT
fsr-3223	907	1	financial	financial	ADJ
fsr-3223	907	2	services	service	NOUN
fsr-3223	907	3	review	review	PROPN
fsr-3223	907	4	,	,	PUNCT
fsr-3223	907	5	20	20	NUM
fsr-3223	907	6	,	,	PUNCT
fsr-3223	907	7	327–341	327–341	NUM
fsr-3223	907	8	.	.	PUNCT
fsr-3223	908	1	spitzer	spitzer	PROPN
fsr-3223	908	2	,	,	PUNCT
fsr-3223	908	3	j.	j.	PROPN
fsr-3223	908	4	j.	j.	PROPN
fsr-3223	908	5	,	,	PUNCT
fsr-3223	908	6	&	&	CCONJ
fsr-3223	908	7	singh	singh	PROPN
fsr-3223	908	8	,	,	PUNCT
fsr-3223	908	9	s.	s.	PROPN
fsr-3223	908	10	(	(	PUNCT
fsr-3223	908	11	2008	2008	NUM
fsr-3223	908	12	)	)	PUNCT
fsr-3223	908	13	.	.	PUNCT
fsr-3223	909	1	shortfall	shortfall	NOUN
fsr-3223	909	2	risk	risk	NOUN
fsr-3223	909	3	of	of	ADP
fsr-3223	909	4	target	target	NOUN
fsr-3223	909	5	-	-	PUNCT
fsr-3223	909	6	date	date	NOUN
fsr-3223	909	7	funds	fund	NOUN
fsr-3223	909	8	during	during	ADP
fsr-3223	909	9	retirement	retirement	NOUN
fsr-3223	909	10	.	.	PUNCT
fsr-3223	910	1	financial	financial	ADJ
fsr-3223	910	2	services	services	PROPN
fsr-3223	910	3	review	review	PROPN
fsr-3223	910	4	,	,	PUNCT
fsr-3223	910	5	17	17	NUM
fsr-3223	910	6	,	,	PUNCT
fsr-3223	910	7	143–153	143–153	NUM
fsr-3223	910	8	.	.	PUNCT
fsr-3223	910	9	261s	261s	PROPN
fsr-3223	910	10	.	.	PUNCT
fsr-3223	911	1	singh	singh	PROPN
fsr-3223	911	2	/	/	SYM
fsr-3223	911	3	financial	financial	ADJ
fsr-3223	911	4	services	service	NOUN
fsr-3223	911	5	review	review	VERB
fsr-3223	911	6	25	25	NUM
fsr-3223	911	7	(	(	PUNCT
fsr-3223	911	8	2016	2016	NUM
fsr-3223	911	9	)	)	PUNCT
fsr-3223	911	10	235–262	235–262	NUM
fsr-3223	911	11	stempien	stempien	NOUN
fsr-3223	911	12	,	,	PUNCT
fsr-3223	911	13	j.	j.	PROPN
fsr-3223	911	14	,	,	PUNCT
fsr-3223	911	15	&	&	CCONJ
fsr-3223	911	16	zoll	zoll	PROPN
fsr-3223	911	17	a.	a.	PROPN
fsr-3223	911	18	(	(	PUNCT
fsr-3223	911	19	2015	2015	NUM
fsr-3223	911	20	)	)	PUNCT
fsr-3223	911	21	.	.	PUNCT
fsr-3223	912	1	morningstar	morningstar	PROPN
fsr-3223	912	2	inc	inc	PROPN
fsr-3223	912	3	.	.	PROPN
fsr-3223	912	4	video	video	PROPN
fsr-3223	912	5	,	,	PUNCT
fsr-3223	912	6	what	what	PRON
fsr-3223	912	7	’s	’	VERB
fsr-3223	912	8	behind	behind	ADP
fsr-3223	912	9	target	target	NOUN
fsr-3223	912	10	-	-	PUNCT
fsr-3223	912	11	date	date	NOUN
fsr-3223	912	12	funds	fund	NOUN
fsr-3223	912	13	’	'	PUNCT
fsr-3223	912	14	popularity	popularity	NOUN
fsr-3223	912	15	?	?	PUNCT
fsr-3223	913	1	(	(	PUNCT
fsr-3223	913	2	available	available	ADJ
fsr-3223	913	3	at	at	ADP
fsr-3223	913	4	http://tinyurl.com/owznmlz	http://tinyurl.com/owznmlz	PROPN
fsr-3223	913	5	)	)	PUNCT
fsr-3223	913	6	.	.	PUNCT
fsr-3223	914	1	surz	surz	PROPN
fsr-3223	914	2	,	,	PUNCT
fsr-3223	914	3	r.	r.	PROPN
fsr-3223	914	4	j.	j.	PROPN
fsr-3223	914	5	,	,	PUNCT
fsr-3223	914	6	&	&	CCONJ
fsr-3223	914	7	israelsen	israelsen	PROPN
fsr-3223	914	8	,	,	PUNCT
fsr-3223	914	9	c.	c.	PROPN
fsr-3223	914	10	l.	l.	PROPN
fsr-3223	914	11	(	(	PUNCT
fsr-3223	914	12	2007	2007	NUM
fsr-3223	914	13	)	)	PUNCT
fsr-3223	914	14	.	.	PUNCT
fsr-3223	915	1	evaluating	evaluate	VERB
fsr-3223	915	2	target	target	NOUN
fsr-3223	915	3	date	date	NOUN
fsr-3223	915	4	lifecycle	lifecycle	NOUN
fsr-3223	915	5	funds	fund	NOUN
fsr-3223	915	6	.	.	PUNCT
fsr-3223	916	1	the	the	DET
fsr-3223	916	2	journal	journal	NOUN
fsr-3223	916	3	of	of	ADP
fsr-3223	916	4	performance	performance	NOUN
fsr-3223	916	5	measurement	measurement	NOUN
fsr-3223	916	6	,	,	PUNCT
fsr-3223	916	7	winter	winter	NOUN
fsr-3223	916	8	,	,	PUNCT
fsr-3223	916	9	62–70	62–70	PROPN
fsr-3223	916	10	.	.	PUNCT
fsr-3223	916	11	tang	tang	PROPN
fsr-3223	916	12	,	,	PUNCT
fsr-3223	916	13	l.	l.	PROPN
fsr-3223	916	14	,	,	PUNCT
fsr-3223	916	15	&	&	CCONJ
fsr-3223	916	16	lin	lin	PROPN
fsr-3223	916	17	y.-t	y.-t	PROPN
fsr-3223	916	18	.	.	PUNCT
fsr-3223	917	1	(	(	PUNCT
fsr-3223	917	2	2015	2015	NUM
fsr-3223	917	3	)	)	PUNCT
fsr-3223	917	4	.	.	PUNCT
fsr-3223	918	1	the	the	DET
fsr-3223	918	2	efficiency	efficiency	NOUN
fsr-3223	918	3	of	of	ADP
fsr-3223	918	4	target	target	NOUN
fsr-3223	918	5	-	-	PUNCT
fsr-3223	918	6	date	date	NOUN
fsr-3223	918	7	funds	fund	NOUN
fsr-3223	918	8	.	.	PUNCT
fsr-3223	919	1	journal	journal	PROPN
fsr-3223	919	2	of	of	ADP
fsr-3223	919	3	asset	asset	NOUN
fsr-3223	919	4	management	management	NOUN
fsr-3223	919	5	,	,	PUNCT
fsr-3223	919	6	16	16	NUM
fsr-3223	919	7	,	,	PUNCT
fsr-3223	919	8	131–148	131–148	NUM
fsr-3223	919	9	.	.	PUNCT
fsr-3223	919	10	tang	tang	PROPN
fsr-3223	919	11	,	,	PUNCT
fsr-3223	919	12	n.	n.	NOUN
fsr-3223	919	13	,	,	PUNCT
fsr-3223	919	14	&	&	CCONJ
fsr-3223	919	15	mitchell	mitchell	PROPN
fsr-3223	919	16	,	,	PUNCT
fsr-3223	919	17	o.	o.	PROPN
fsr-3223	919	18	(	(	PUNCT
fsr-3223	919	19	2010	2010	NUM
fsr-3223	919	20	)	)	PUNCT
fsr-3223	919	21	.	.	PUNCT
fsr-3223	920	1	the	the	DET
fsr-3223	920	2	efficiency	efficiency	NOUN
fsr-3223	920	3	of	of	ADP
fsr-3223	920	4	sponsor	sponsor	NOUN
fsr-3223	920	5	and	and	CCONJ
fsr-3223	920	6	participant	participant	ADJ
fsr-3223	920	7	portfolio	portfolio	NOUN
fsr-3223	920	8	choices	choice	NOUN
fsr-3223	920	9	in	in	ADP
fsr-3223	920	10	401(k	401(k	NOUN
fsr-3223	920	11	)	)	PUNCT
fsr-3223	920	12	plans	plan	NOUN
fsr-3223	920	13	.	.	PUNCT
fsr-3223	921	1	journal	journal	NOUN
fsr-3223	921	2	of	of	ADP
fsr-3223	921	3	public	public	ADJ
fsr-3223	921	4	economics	economic	NOUN
fsr-3223	921	5	,	,	PUNCT
fsr-3223	921	6	94	94	NUM
fsr-3223	921	7	,	,	PUNCT
fsr-3223	921	8	1073–1085	1073–1085	NUM
fsr-3223	921	9	.	.	PUNCT
fsr-3223	921	10	torregrosa	torregrosa	PROPN
fsr-3223	921	11	,	,	PUNCT
fsr-3223	921	12	p.	p.	PROPN
fsr-3223	921	13	t.	t.	PROPN
fsr-3223	921	14	,	,	PUNCT
fsr-3223	921	15	&	&	CCONJ
fsr-3223	921	16	koenig	koenig	PROPN
fsr-3223	921	17	,	,	PUNCT
fsr-3223	921	18	d.	d.	PROPN
fsr-3223	921	19	a.	a.	PROPN
fsr-3223	921	20	(	(	PUNCT
fsr-3223	921	21	2008	2008	NUM
fsr-3223	921	22	)	)	PUNCT
fsr-3223	921	23	.	.	PUNCT
fsr-3223	922	1	target	target	NOUN
fsr-3223	922	2	date	date	NOUN
fsr-3223	922	3	funds	fund	NOUN
fsr-3223	922	4	:	:	PUNCT
fsr-3223	922	5	the	the	DET
fsr-3223	922	6	case	case	NOUN
fsr-3223	922	7	for	for	ADP
fsr-3223	922	8	a	a	DET
fsr-3223	922	9	more	more	ADV
fsr-3223	922	10	conservative	conservative	ADJ
fsr-3223	922	11	glide	glide	NOUN
fsr-3223	922	12	path	path	NOUN
fsr-3223	922	13	.	.	PUNCT
fsr-3223	923	1	institutional	institutional	ADJ
fsr-3223	923	2	investor	investor	NOUN
fsr-3223	923	3	guide	guide	NOUN
fsr-3223	923	4	to	to	ADP
fsr-3223	923	5	defined	define	VERB
fsr-3223	923	6	contribution	contribution	NOUN
fsr-3223	923	7	and	and	CCONJ
fsr-3223	923	8	defined	define	VERB
fsr-3223	923	9	benefit	benefit	NOUN
fsr-3223	923	10	services	service	NOUN
fsr-3223	923	11	,	,	PUNCT
fsr-3223	923	12	wells	wells	PROPN
fsr-3223	923	13	fargo	fargo	PROPN
fsr-3223	923	14	bank	bank	PROPN
fsr-3223	923	15	.	.	PUNCT
fsr-3223	924	1	towers	tower	NOUN
fsr-3223	924	2	watson	watson	PROPN
fsr-3223	924	3	.	.	PUNCT
fsr-3223	925	1	(	(	PUNCT
fsr-3223	925	2	2010	2010	NUM
fsr-3223	925	3	)	)	PUNCT
fsr-3223	925	4	.	.	PUNCT
fsr-3223	926	1	defined	define	VERB
fsr-3223	926	2	contribution	contribution	NOUN
fsr-3223	926	3	:	:	PUNCT
fsr-3223	926	4	lessons	lesson	NOUN
fsr-3223	926	5	after	after	ADP
fsr-3223	926	6	the	the	DET
fsr-3223	926	7	crisis	crisis	NOUN
fsr-3223	926	8	(	(	PUNCT
fsr-3223	926	9	available	available	ADJ
fsr-3223	926	10	at	at	ADP
fsr-3223	926	11	http://preview.tinyurl.com/	http://preview.tinyurl.com/	ADJ
fsr-3223	926	12	nqorkdp	nqorkdp	ADJ
fsr-3223	926	13	)	)	PUNCT
fsr-3223	926	14	.	.	PUNCT
fsr-3223	927	1	tramell	tramell	NOUN
fsr-3223	927	2	,	,	PUNCT
fsr-3223	927	3	s.	s.	PROPN
fsr-3223	927	4	(	(	PUNCT
fsr-3223	927	5	2009	2009	NUM
fsr-3223	927	6	)	)	PUNCT
fsr-3223	927	7	.	.	PUNCT
fsr-3223	928	1	glide	glide	PROPN
fsr-3223	928	2	path	path	NOUN
fsr-3223	928	3	.	.	PUNCT
fsr-3223	929	1	cfa	cfa	PROPN
fsr-3223	929	2	magazine	magazine	PROPN
fsr-3223	929	3	,	,	PUNCT
fsr-3223	929	4	jan	jan	PROPN
fsr-3223	929	5	-	-	PROPN
fsr-3223	929	6	feb	feb	PROPN
fsr-3223	929	7	2009	2009	NUM
fsr-3223	929	8	,	,	PUNCT
fsr-3223	929	9	36–43	36–43	NUM
fsr-3223	929	10	.	.	PUNCT
fsr-3223	929	11	united	united	PROPN
fsr-3223	929	12	states	states	PROPN
fsr-3223	929	13	treasury	treasury	PROPN
fsr-3223	929	14	.	.	PUNCT
fsr-3223	930	1	(	(	PUNCT
fsr-3223	930	2	2014	2014	NUM
fsr-3223	930	3	)	)	PUNCT
fsr-3223	930	4	.	.	PUNCT
fsr-3223	931	1	treasury	treasury	PROPN
fsr-3223	931	2	issues	issue	NOUN
fsr-3223	931	3	guidance	guidance	VERB
fsr-3223	931	4	to	to	PART
fsr-3223	931	5	encourage	encourage	VERB
fsr-3223	931	6	annuities	annuity	NOUN
fsr-3223	931	7	in	in	ADP
fsr-3223	931	8	401(k	401(k	NOUN
fsr-3223	931	9	)	)	PUNCT
fsr-3223	931	10	plans	plan	NOUN
fsr-3223	931	11	(	(	PUNCT
fsr-3223	931	12	available	available	ADJ
fsr-3223	931	13	at	at	ADP
fsr-3223	931	14	http://tinyurl.com/jr8nc82	http://tinyurl.com/jr8nc82	PROPN
fsr-3223	931	15	)	)	PUNCT
fsr-3223	931	16	.	.	PUNCT
fsr-3223	932	1	vanguard	vanguard	PROPN
fsr-3223	932	2	group	group	PROPN
fsr-3223	932	3	.	.	PUNCT
fsr-3223	933	1	(	(	PUNCT
fsr-3223	933	2	2015	2015	NUM
fsr-3223	933	3	)	)	PUNCT
fsr-3223	933	4	.	.	PUNCT
fsr-3223	934	1	vanguard	vanguard	PROPN
fsr-3223	934	2	target	target	PROPN
fsr-3223	934	3	retirement	retirement	NOUN
fsr-3223	934	4	funds	fund	NOUN
fsr-3223	934	5	prospectus	prospectus	NOUN
fsr-3223	934	6	.	.	PUNCT
fsr-3223	935	1	january	january	PROPN
fsr-3223	935	2	27	27	NUM
fsr-3223	935	3	,	,	PUNCT
fsr-3223	935	4	62x	62x	NUM
fsr-3223	935	5	.	.	PUNCT
fsr-3223	936	1	viceira	viceira	PROPN
fsr-3223	936	2	,	,	PUNCT
fsr-3223	936	3	l.	l.	PROPN
fsr-3223	936	4	m.	m.	PROPN
fsr-3223	936	5	(	(	PUNCT
fsr-3223	936	6	2009	2009	NUM
fsr-3223	936	7	)	)	PUNCT
fsr-3223	936	8	.	.	PUNCT
fsr-3223	937	1	life	life	NOUN
fsr-3223	937	2	cycle	cycle	NOUN
fsr-3223	937	3	funds	fund	NOUN
fsr-3223	937	4	.	.	PUNCT
fsr-3223	938	1	in	in	ADP
fsr-3223	938	2	a.	a.	PROPN
fsr-3223	938	3	lusardi	lusardi	PROPN
fsr-3223	938	4	(	(	PUNCT
fsr-3223	938	5	ed	ed	NOUN
fsr-3223	938	6	.	.	PUNCT
fsr-3223	938	7	)	)	PUNCT
fsr-3223	938	8	,	,	PUNCT
fsr-3223	938	9	overcoming	overcome	VERB
fsr-3223	938	10	the	the	DET
fsr-3223	938	11	saving	saving	NOUN
fsr-3223	938	12	slump	slump	NOUN
fsr-3223	938	13	:	:	PUNCT
fsr-3223	938	14	how	how	SCONJ
fsr-3223	938	15	to	to	PART
fsr-3223	938	16	increase	increase	VERB
fsr-3223	938	17	the	the	DET
fsr-3223	938	18	effectiveness	effectiveness	NOUN
fsr-3223	938	19	of	of	ADP
fsr-3223	938	20	financial	financial	ADJ
fsr-3223	938	21	education	education	NOUN
fsr-3223	938	22	and	and	CCONJ
fsr-3223	938	23	saving	save	VERB
fsr-3223	938	24	programs	program	NOUN
fsr-3223	938	25	(	(	PUNCT
fsr-3223	938	26	pp	pp	ADJ
fsr-3223	938	27	.	.	PUNCT
fsr-3223	939	1	140–178	140–178	NUM
fsr-3223	939	2	)	)	PUNCT
fsr-3223	939	3	.	.	PUNCT
fsr-3223	940	1	chicago	chicago	PROPN
fsr-3223	940	2	,	,	PUNCT
fsr-3223	940	3	il	il	PROPN
fsr-3223	940	4	:	:	PUNCT
fsr-3223	940	5	university	university	PROPN
fsr-3223	940	6	of	of	ADP
fsr-3223	940	7	chicago	chicago	PROPN
fsr-3223	940	8	press	press	PROPN
fsr-3223	940	9	.	.	PUNCT
fsr-3223	941	1	whitton	whitton	PROPN
fsr-3223	941	2	,	,	PUNCT
fsr-3223	941	3	b.	b.	PROPN
fsr-3223	941	4	,	,	PUNCT
fsr-3223	941	5	&	&	CCONJ
fsr-3223	941	6	thuerbach	thuerbach	PROPN
fsr-3223	941	7	,	,	PUNCT
fsr-3223	941	8	k.	k.	PROPN
fsr-3223	941	9	(	(	PUNCT
fsr-3223	941	10	2015	2015	NUM
fsr-3223	941	11	)	)	PUNCT
fsr-3223	941	12	.	.	PUNCT
fsr-3223	942	1	pimco	pimco	PROPN
fsr-3223	942	2	’s	’s	PART
fsr-3223	942	3	glide	glide	PROPN
fsr-3223	942	4	path	path	NOUN
fsr-3223	942	5	:	:	PUNCT
fsr-3223	942	6	an	an	DET
fsr-3223	942	7	outcome	outcome	NOUN
fsr-3223	942	8	focused	focus	VERB
fsr-3223	942	9	design	design	NOUN
fsr-3223	942	10	.	.	PUNCT
fsr-3223	943	1	pimco	pimco	PROPN
fsr-3223	943	2	featured	feature	VERB
fsr-3223	943	3	solution	solution	NOUN
fsr-3223	943	4	,	,	PUNCT
fsr-3223	943	5	march	march	PROPN
fsr-3223	943	6	,	,	PUNCT
fsr-3223	943	7	2–8	2–8	NUM
fsr-3223	943	8	.	.	PUNCT
fsr-3223	944	1	williams	williams	PROPN
fsr-3223	944	2	,	,	PUNCT
fsr-3223	944	3	j.	j.	PROPN
fsr-3223	944	4	(	(	PUNCT
fsr-3223	944	5	1978	1978	NUM
fsr-3223	944	6	)	)	PUNCT
fsr-3223	944	7	.	.	PUNCT
fsr-3223	945	1	risk	risk	NOUN
fsr-3223	945	2	,	,	PUNCT
fsr-3223	945	3	human	human	ADJ
fsr-3223	945	4	capital	capital	NOUN
fsr-3223	945	5	,	,	PUNCT
fsr-3223	945	6	and	and	CCONJ
fsr-3223	945	7	the	the	DET
fsr-3223	945	8	investor	investor	NOUN
fsr-3223	945	9	’s	’s	PART
fsr-3223	945	10	portfolio	portfolio	NOUN
fsr-3223	945	11	.	.	PUNCT
fsr-3223	946	1	journal	journal	PROPN
fsr-3223	946	2	of	of	ADP
fsr-3223	946	3	business	business	NOUN
fsr-3223	946	4	,	,	PUNCT
fsr-3223	946	5	51	51	NUM
fsr-3223	946	6	,	,	PUNCT
fsr-3223	946	7	65–89	65–89	NUM
fsr-3223	946	8	.	.	PUNCT
fsr-3223	947	1	yoon	yoon	PROPN
fsr-3223	947	2	,	,	PUNCT
fsr-3223	947	3	y.	y.	PROPN
fsr-3223	947	4	(	(	PUNCT
fsr-3223	947	5	2010	2010	NUM
fsr-3223	947	6	)	)	PUNCT
fsr-3223	947	7	.	.	PUNCT
fsr-3223	948	1	glide	glide	NOUN
fsr-3223	948	2	path	path	NOUN
fsr-3223	948	3	and	and	CCONJ
fsr-3223	948	4	dynamic	dynamic	ADJ
fsr-3223	948	5	asset	asset	NOUN
fsr-3223	948	6	allocation	allocation	NOUN
fsr-3223	948	7	of	of	ADP
fsr-3223	948	8	target	target	NOUN
fsr-3223	948	9	date	date	NOUN
fsr-3223	948	10	funds	fund	NOUN
fsr-3223	948	11	.	.	PUNCT
fsr-3223	949	1	journal	journal	PROPN
fsr-3223	949	2	of	of	ADP
fsr-3223	949	3	asset	asset	NOUN
fsr-3223	949	4	management	management	NOUN
fsr-3223	949	5	,	,	PUNCT
fsr-3223	949	6	11	11	NUM
fsr-3223	949	7	,	,	PUNCT
fsr-3223	949	8	346–360	346–360	NUM
fsr-3223	949	9	.	.	PUNCT
fsr-3223	950	1	262	262	NUM
fsr-3223	950	2	s.	s.	PROPN
fsr-3223	950	3	singh	singh	PROPN
fsr-3223	950	4	/	/	SYM
fsr-3223	950	5	financial	financial	ADJ
fsr-3223	950	6	services	service	NOUN
fsr-3223	950	7	review	review	VERB
fsr-3223	950	8	25	25	NUM
fsr-3223	950	9	(	(	PUNCT
fsr-3223	950	10	2016	2016	NUM
fsr-3223	950	11	)	)	PUNCT
fsr-3223	950	12	235–262	235–262	NUM