id	sid	tid	token	lemma	pos
fsr-3238	1	1	do	do	AUX
fsr-3238	1	2	u.s	u.s	PROPN
fsr-3238	1	3	.	.	PROPN
fsr-3238	1	4	households	household	NOUN
fsr-3238	1	5	perceive	perceive	VERB
fsr-3238	1	6	their	their	PRON
fsr-3238	1	7	retirement	retirement	NOUN
fsr-3238	1	8	preparedness	preparedness	NOUN
fsr-3238	1	9	realistically	realistically	ADV
fsr-3238	1	10	?	?	PUNCT
fsr-3238	2	1	kyoung	kyoung	PROPN
fsr-3238	2	2	tae	tae	PROPN
fsr-3238	2	3	kima	kima	PROPN
fsr-3238	2	4	,	,	PUNCT
fsr-3238	2	5	*	*	PROPN
fsr-3238	2	6	,	,	PUNCT
fsr-3238	2	7	sherman	sherman	PROPN
fsr-3238	2	8	d.	d.	PROPN
fsr-3238	2	9	hannab	hannab	PROPN
fsr-3238	2	10	adepartment	adepartment	PROPN
fsr-3238	2	11	of	of	ADP
fsr-3238	2	12	consumer	consumer	NOUN
fsr-3238	2	13	sciences	science	NOUN
fsr-3238	2	14	,	,	PUNCT
fsr-3238	2	15	university	university	NOUN
fsr-3238	2	16	of	of	ADP
fsr-3238	2	17	alabama	alabama	PROPN
fsr-3238	2	18	,	,	PUNCT
fsr-3238	2	19	tuscaloosa	tuscaloosa	PROPN
fsr-3238	2	20	,	,	PUNCT
fsr-3238	2	21	al	al	PROPN
fsr-3238	2	22	35487	35487	NUM
fsr-3238	2	23	,	,	PUNCT
fsr-3238	2	24	usa	usa	PROPN
fsr-3238	2	25	bdepartment	bdepartment	PROPN
fsr-3238	2	26	of	of	ADP
fsr-3238	2	27	human	human	PROPN
fsr-3238	2	28	sciences	sciences	PROPN
fsr-3238	2	29	,	,	PUNCT
fsr-3238	2	30	ohio	ohio	PROPN
fsr-3238	2	31	state	state	PROPN
fsr-3238	2	32	university	university	PROPN
fsr-3238	2	33	,	,	PUNCT
fsr-3238	2	34	columbus	columbus	PROPN
fsr-3238	2	35	,	,	PUNCT
fsr-3238	3	1	oh	oh	NUM
fsr-3238	3	2	43210	43210	NUM
fsr-3238	3	3	,	,	PUNCT
fsr-3238	4	1	usa	usa	PROPN
fsr-3238	4	2	abstract	abstract	PROPN
fsr-3238	4	3	this	this	DET
fsr-3238	4	4	study	study	NOUN
fsr-3238	4	5	examines	examine	VERB
fsr-3238	4	6	the	the	DET
fsr-3238	4	7	divergence	divergence	NOUN
fsr-3238	4	8	between	between	ADP
fsr-3238	4	9	objective	objective	ADJ
fsr-3238	4	10	and	and	CCONJ
fsr-3238	4	11	subjective	subjective	ADJ
fsr-3238	4	12	assessment	assessment	NOUN
fsr-3238	4	13	of	of	ADP
fsr-3238	4	14	retirement	retirement	NOUN
fsr-3238	4	15	adequacy	adequacy	NOUN
fsr-3238	4	16	,	,	PUNCT
fsr-3238	4	17	analyzing	analyze	VERB
fsr-3238	4	18	u.s	u.s	PROPN
fsr-3238	4	19	.	.	PROPN
fsr-3238	4	20	households	household	NOUN
fsr-3238	4	21	with	with	ADP
fsr-3238	4	22	a	a	DET
fsr-3238	4	23	full	full	ADJ
fsr-3238	4	24	-	-	PUNCT
fsr-3238	4	25	time	time	NOUN
fsr-3238	4	26	worker	worker	NOUN
fsr-3238	4	27	age	age	NOUN
fsr-3238	4	28	35	35	NUM
fsr-3238	4	29	to	to	PART
fsr-3238	4	30	60	60	NUM
fsr-3238	4	31	in	in	ADP
fsr-3238	4	32	the	the	DET
fsr-3238	4	33	2010	2010	NUM
fsr-3238	4	34	survey	survey	NOUN
fsr-3238	4	35	of	of	ADP
fsr-3238	4	36	consumer	consumer	NOUN
fsr-3238	4	37	finances	finance	NOUN
fsr-3238	4	38	.	.	PUNCT
fsr-3238	5	1	of	of	ADP
fsr-3238	5	2	those	those	DET
fsr-3238	5	3	households	household	NOUN
fsr-3238	5	4	,	,	PUNCT
fsr-3238	5	5	58	58	NUM
fsr-3238	5	6	%	%	NOUN
fsr-3238	5	7	have	have	VERB
fsr-3238	5	8	objective	objective	ADJ
fsr-3238	5	9	inadequacy	inadequacy	NOUN
fsr-3238	5	10	,	,	PUNCT
fsr-3238	5	11	and	and	CCONJ
fsr-3238	5	12	54	54	NUM
fsr-3238	5	13	%	%	NOUN
fsr-3238	5	14	have	have	VERB
fsr-3238	5	15	subjective	subjective	ADJ
fsr-3238	5	16	inadequacy	inadequacy	NOUN
fsr-3238	5	17	,	,	PUNCT
fsr-3238	5	18	but	but	CCONJ
fsr-3238	5	19	only	only	ADV
fsr-3238	5	20	52	52	NUM
fsr-3238	5	21	%	%	NOUN
fsr-3238	5	22	have	have	VERB
fsr-3238	5	23	objective	objective	ADJ
fsr-3238	5	24	/	/	SYM
fsr-3238	5	25	subjective	subjective	ADJ
fsr-3238	5	26	consistency	consistency	NOUN
fsr-3238	5	27	.	.	PUNCT
fsr-3238	6	1	our	our	PRON
fsr-3238	6	2	focus	focus	NOUN
fsr-3238	6	3	is	be	AUX
fsr-3238	6	4	on	on	ADP
fsr-3238	6	5	households	household	NOUN
fsr-3238	6	6	with	with	ADP
fsr-3238	6	7	objective	objective	ADJ
fsr-3238	6	8	inadequacy	inadequacy	NOUN
fsr-3238	6	9	,	,	PUNCT
fsr-3238	6	10	and	and	CCONJ
fsr-3238	6	11	what	what	DET
fsr-3238	6	12	factors	factor	NOUN
fsr-3238	6	13	were	be	AUX
fsr-3238	6	14	related	relate	VERB
fsr-3238	6	15	to	to	ADP
fsr-3238	6	16	being	be	AUX
fsr-3238	6	17	an	an	DET
fsr-3238	6	18	optimist	optimist	NOUN
fsr-3238	6	19	despite	despite	SCONJ
fsr-3238	6	20	having	have	VERB
fsr-3238	6	21	objective	objective	ADJ
fsr-3238	6	22	retirement	retirement	NOUN
fsr-3238	6	23	inadequacy	inadequacy	NOUN
fsr-3238	6	24	.	.	PUNCT
fsr-3238	7	1	a	a	DET
fsr-3238	7	2	logistic	logistic	ADJ
fsr-3238	7	3	regression	regression	NOUN
fsr-3238	7	4	shows	show	VERB
fsr-3238	7	5	that	that	SCONJ
fsr-3238	7	6	households	household	NOUN
fsr-3238	7	7	with	with	ADP
fsr-3238	7	8	defined	define	VERB
fsr-3238	7	9	benefit	benefit	NOUN
fsr-3238	7	10	plans	plan	NOUN
fsr-3238	7	11	and	and	CCONJ
fsr-3238	7	12	with	with	ADP
fsr-3238	7	13	defined	define	VERB
fsr-3238	7	14	contribution	contribution	NOUN
fsr-3238	7	15	plans	plan	NOUN
fsr-3238	7	16	are	be	AUX
fsr-3238	7	17	less	less	ADV
fsr-3238	7	18	realistic	realistic	ADJ
fsr-3238	7	19	than	than	ADP
fsr-3238	7	20	those	those	PRON
fsr-3238	7	21	without	without	ADP
fsr-3238	7	22	plans	plan	NOUN
fsr-3238	7	23	,	,	PUNCT
fsr-3238	7	24	and	and	CCONJ
fsr-3238	7	25	as	as	SCONJ
fsr-3238	7	26	age	age	NOUN
fsr-3238	7	27	increases	increase	NOUN
fsr-3238	7	28	,	,	PUNCT
fsr-3238	7	29	realism	realism	NOUN
fsr-3238	7	30	decreases	decrease	NOUN
fsr-3238	7	31	.	.	PUNCT
fsr-3238	8	1	©	©	PROPN
fsr-3238	8	2	2015	2015	NUM
fsr-3238	8	3	academy	academy	NOUN
fsr-3238	8	4	of	of	ADP
fsr-3238	8	5	financial	financial	ADJ
fsr-3238	8	6	services	service	NOUN
fsr-3238	8	7	.	.	PUNCT
fsr-3238	9	1	all	all	DET
fsr-3238	9	2	rights	right	NOUN
fsr-3238	9	3	reserved	reserve	VERB
fsr-3238	9	4	.	.	PUNCT
fsr-3238	10	1	jel	jel	PROPN
fsr-3238	10	2	classification	classification	NOUN
fsr-3238	10	3	:	:	PUNCT
fsr-3238	10	4	d12	d12	NUM
fsr-3238	10	5	;	;	PUNCT
fsr-3238	10	6	d14	d14	NOUN
fsr-3238	10	7	;	;	PUNCT
fsr-3238	10	8	d91	d91	NOUN
fsr-3238	10	9	;	;	PUNCT
fsr-3238	10	10	j26	j26	ADJ
fsr-3238	10	11	keywords	keyword	NOUN
fsr-3238	10	12	:	:	PUNCT
fsr-3238	10	13	retirement	retirement	NOUN
fsr-3238	10	14	assessment	assessment	NOUN
fsr-3238	10	15	;	;	PUNCT
fsr-3238	10	16	retirement	retirement	NOUN
fsr-3238	10	17	adequacy	adequacy	NOUN
fsr-3238	10	18	;	;	PUNCT
fsr-3238	10	19	cognitive	cognitive	ADJ
fsr-3238	10	20	ability	ability	NOUN
fsr-3238	10	21	;	;	PUNCT
fsr-3238	10	22	survey	survey	NOUN
fsr-3238	10	23	of	of	ADP
fsr-3238	10	24	consumer	consumer	NOUN
fsr-3238	10	25	finances	finance	NOUN
fsr-3238	10	26	(	(	PUNCT
fsr-3238	10	27	scf	scf	PROPN
fsr-3238	10	28	)	)	PUNCT
fsr-3238	10	29	;	;	PUNCT
fsr-3238	10	30	financial	financial	ADJ
fsr-3238	10	31	education	education	NOUN
fsr-3238	10	32	1	1	NUM
fsr-3238	10	33	.	.	PUNCT
fsr-3238	10	34	introduction	introduction	NOUN
fsr-3238	10	35	retirement	retirement	NOUN
fsr-3238	10	36	adequacy	adequacy	NOUN
fsr-3238	10	37	of	of	ADP
fsr-3238	10	38	current	current	ADJ
fsr-3238	10	39	workers	worker	NOUN
fsr-3238	10	40	is	be	AUX
fsr-3238	10	41	an	an	DET
fsr-3238	10	42	important	important	ADJ
fsr-3238	10	43	issue	issue	NOUN
fsr-3238	10	44	in	in	ADP
fsr-3238	10	45	policy	policy	NOUN
fsr-3238	10	46	debates	debate	NOUN
fsr-3238	10	47	about	about	ADP
fsr-3238	10	48	social	social	ADJ
fsr-3238	10	49	security	security	NOUN
fsr-3238	10	50	reform	reform	NOUN
fsr-3238	10	51	,	,	PUNCT
fsr-3238	10	52	and	and	CCONJ
fsr-3238	10	53	in	in	ADP
fsr-3238	10	54	proposals	proposal	NOUN
fsr-3238	10	55	for	for	ADP
fsr-3238	10	56	the	the	DET
fsr-3238	10	57	restructuring	restructuring	NOUN
fsr-3238	10	58	of	of	ADP
fsr-3238	10	59	public	public	ADJ
fsr-3238	10	60	and	and	CCONJ
fsr-3238	10	61	private	private	ADJ
fsr-3238	10	62	defined	define	VERB
fsr-3238	10	63	benefit	benefit	NOUN
fsr-3238	10	64	plans	plan	NOUN
fsr-3238	10	65	,	,	PUNCT
fsr-3238	10	66	as	as	ADV
fsr-3238	10	67	well	well	ADV
fsr-3238	10	68	as	as	ADP
fsr-3238	10	69	for	for	ADP
fsr-3238	10	70	income	income	NOUN
fsr-3238	10	71	tax	tax	NOUN
fsr-3238	10	72	incentives	incentive	NOUN
fsr-3238	10	73	for	for	ADP
fsr-3238	10	74	retirement	retirement	NOUN
fsr-3238	10	75	savings	saving	NOUN
fsr-3238	10	76	,	,	PUNCT
fsr-3238	10	77	and	and	CCONJ
fsr-3238	10	78	penalties	penalty	NOUN
fsr-3238	10	79	for	for	ADP
fsr-3238	10	80	early	early	ADJ
fsr-3238	10	81	withdrawal	withdrawal	NOUN
fsr-3238	10	82	of	of	ADP
fsr-3238	10	83	funds	fund	NOUN
fsr-3238	10	84	from	from	ADP
fsr-3238	10	85	tax	tax	NOUN
fsr-3238	10	86	-	-	PUNCT
fsr-3238	10	87	sheltered	shelter	VERB
fsr-3238	10	88	retirement	retirement	NOUN
fsr-3238	10	89	accounts	account	NOUN
fsr-3238	10	90	.	.	PUNCT
fsr-3238	11	1	however	however	ADV
fsr-3238	11	2	,	,	PUNCT
fsr-3238	11	3	retirement	retirement	NOUN
fsr-3238	11	4	planning	planning	NOUN
fsr-3238	11	5	is	be	AUX
fsr-3238	11	6	becoming	become	VERB
fsr-3238	11	7	increasingly	increasingly	ADV
fsr-3238	11	8	challenging	challenging	ADJ
fsr-3238	11	9	because	because	SCONJ
fsr-3238	11	10	workers	worker	NOUN
fsr-3238	11	11	face	face	VERB
fsr-3238	11	12	economic	economic	ADJ
fsr-3238	11	13	uncertainty	uncertainty	NOUN
fsr-3238	11	14	,	,	PUNCT
fsr-3238	11	15	*	*	PUNCT
fsr-3238	11	16	corresponding	correspond	VERB
fsr-3238	11	17	author	author	NOUN
fsr-3238	11	18	.	.	PUNCT
fsr-3238	12	1	tel	tel	PROPN
fsr-3238	12	2	.	.	PUNCT
fsr-3238	12	3	:	:	PUNCT
fsr-3238	13	1	�	�	X
fsr-3238	13	2	-205	-205	PROPN
fsr-3238	13	3	-	-	PUNCT
fsr-3238	13	4	348	348	NUM
fsr-3238	13	5	-	-	PUNCT
fsr-3238	13	6	9167	9167	NUM
fsr-3238	13	7	;	;	PUNCT
fsr-3238	13	8	fax	fax	NOUN
fsr-3238	13	9	:	:	PUNCT
fsr-3238	13	10	�	�	PROPN
fsr-3238	13	11	1205	1205	NUM
fsr-3238	13	12	-	-	PUNCT
fsr-3238	13	13	348	348	NUM
fsr-3238	13	14	-	-	PUNCT
fsr-3238	13	15	8721	8721	NUM
fsr-3238	13	16	.	.	PUNCT
fsr-3238	14	1	e	e	X
fsr-3238	14	2	-	-	NOUN
fsr-3238	14	3	mail	mail	NOUN
fsr-3238	14	4	address	address	NOUN
fsr-3238	14	5	:	:	PUNCT
fsr-3238	14	6	ktkim@ches.ua.edu	ktkim@ches.ua.edu	X
fsr-3238	14	7	(	(	PUNCT
fsr-3238	14	8	k.t	k.t	PROPN
fsr-3238	14	9	.	.	PROPN
fsr-3238	14	10	kim	kim	PROPN
fsr-3238	14	11	)	)	PUNCT
fsr-3238	14	12	financial	financial	ADJ
fsr-3238	14	13	services	service	NOUN
fsr-3238	14	14	review	review	VERB
fsr-3238	14	15	24	24	NUM
fsr-3238	14	16	(	(	PUNCT
fsr-3238	14	17	2015	2015	NUM
fsr-3238	14	18	)	)	PUNCT
fsr-3238	14	19	139–155	139–155	NUM
fsr-3238	14	20	1057	1057	NUM
fsr-3238	14	21	-	-	SYM
fsr-3238	14	22	0810/15/$	0810/15/$	NUM
fsr-3238	14	23	–	–	PUNCT
fsr-3238	14	24	see	see	VERB
fsr-3238	14	25	front	front	ADJ
fsr-3238	14	26	matter	matter	NOUN
fsr-3238	14	27	©	©	PROPN
fsr-3238	14	28	2015	2015	NUM
fsr-3238	14	29	academy	academy	NOUN
fsr-3238	14	30	of	of	ADP
fsr-3238	14	31	financial	financial	ADJ
fsr-3238	14	32	services	service	NOUN
fsr-3238	14	33	.	.	PUNCT
fsr-3238	15	1	all	all	DET
fsr-3238	15	2	rights	right	NOUN
fsr-3238	15	3	reserved	reserve	VERB
fsr-3238	15	4	.	.	PUNCT
fsr-3238	16	1	social	social	ADJ
fsr-3238	16	2	security	security	NOUN
fsr-3238	16	3	insolvency	insolvency	NOUN
fsr-3238	16	4	,	,	PUNCT
fsr-3238	16	5	and	and	CCONJ
fsr-3238	16	6	increased	increase	VERB
fsr-3238	16	7	life	life	NOUN
fsr-3238	16	8	expectancy	expectancy	NOUN
fsr-3238	16	9	.	.	PUNCT
fsr-3238	17	1	munnell	munnell	PROPN
fsr-3238	17	2	(	(	PUNCT
fsr-3238	17	3	2012	2012	NUM
fsr-3238	17	4	)	)	PUNCT
fsr-3238	17	5	notes	note	VERB
fsr-3238	17	6	that	that	SCONJ
fsr-3238	17	7	the	the	DET
fsr-3238	17	8	substantial	substantial	ADJ
fsr-3238	17	9	decline	decline	NOUN
fsr-3238	17	10	in	in	ADP
fsr-3238	17	11	the	the	DET
fsr-3238	17	12	wealth	wealth	NOUN
fsr-3238	17	13	-	-	PUNCT
fsr-3238	17	14	to	to	ADP
fsr-3238	17	15	-	-	PUNCT
fsr-3238	17	16	income	income	NOUN
fsr-3238	17	17	ratio	ratio	NOUN
fsr-3238	17	18	in	in	ADP
fsr-3238	17	19	the	the	DET
fsr-3238	17	20	2010	2010	NUM
fsr-3238	17	21	survey	survey	NOUN
fsr-3238	17	22	of	of	ADP
fsr-3238	17	23	consumer	consumer	NOUN
fsr-3238	17	24	finances	finance	NOUN
fsr-3238	17	25	(	(	PUNCT
fsr-3238	17	26	scf	scf	PROPN
fsr-3238	17	27	)	)	PUNCT
fsr-3238	17	28	is	be	AUX
fsr-3238	17	29	a	a	DET
fsr-3238	17	30	signal	signal	NOUN
fsr-3238	17	31	of	of	ADP
fsr-3238	17	32	even	even	ADV
fsr-3238	17	33	more	more	ADV
fsr-3238	17	34	serious	serious	ADJ
fsr-3238	17	35	economic	economic	ADJ
fsr-3238	17	36	problems	problem	NOUN
fsr-3238	17	37	for	for	ADP
fsr-3238	17	38	future	future	ADJ
fsr-3238	17	39	retirees	retiree	NOUN
fsr-3238	17	40	.	.	PUNCT
fsr-3238	18	1	bricker	bricker	NOUN
fsr-3238	18	2	,	,	PUNCT
fsr-3238	18	3	bucks	buck	NOUN
fsr-3238	18	4	,	,	PUNCT
fsr-3238	18	5	kennickell	kennickell	NOUN
fsr-3238	18	6	,	,	PUNCT
fsr-3238	18	7	mach	mach	NOUN
fsr-3238	18	8	,	,	PUNCT
fsr-3238	18	9	and	and	CCONJ
fsr-3238	18	10	moore	moore	PROPN
fsr-3238	18	11	(	(	PUNCT
fsr-3238	18	12	2011	2011	NUM
fsr-3238	18	13	)	)	PUNCT
fsr-3238	18	14	report	report	NOUN
fsr-3238	18	15	that	that	SCONJ
fsr-3238	18	16	over	over	ADP
fsr-3238	18	17	60	60	NUM
fsr-3238	18	18	%	%	NOUN
fsr-3238	18	19	of	of	ADP
fsr-3238	18	20	u.s	u.s	PROPN
fsr-3238	18	21	.	.	PROPN
fsr-3238	18	22	households	household	NOUN
fsr-3238	18	23	had	have	VERB
fsr-3238	18	24	decreases	decrease	NOUN
fsr-3238	18	25	in	in	ADP
fsr-3238	18	26	their	their	PRON
fsr-3238	18	27	wealth	wealth	NOUN
fsr-3238	18	28	over	over	ADP
fsr-3238	18	29	the	the	DET
fsr-3238	18	30	two	two	NUM
fsr-3238	18	31	-	-	PUNCT
fsr-3238	18	32	year	year	NOUN
fsr-3238	18	33	period	period	NOUN
fsr-3238	18	34	,	,	PUNCT
fsr-3238	18	35	2007–2009	2007–2009	NUM
fsr-3238	18	36	.	.	PUNCT
fsr-3238	19	1	according	accord	VERB
fsr-3238	19	2	to	to	ADP
fsr-3238	19	3	the	the	DET
fsr-3238	19	4	2014	2014	NUM
fsr-3238	19	5	old	old	ADJ
fsr-3238	19	6	-	-	PUNCT
fsr-3238	19	7	age	age	NOUN
fsr-3238	19	8	and	and	CCONJ
fsr-3238	19	9	survivors	survivor	VERB
fsr-3238	19	10	insurance	insurance	NOUN
fsr-3238	19	11	and	and	CCONJ
fsr-3238	19	12	federal	federal	ADJ
fsr-3238	19	13	disability	disability	NOUN
fsr-3238	19	14	insurance	insurance	NOUN
fsr-3238	19	15	trustees	trustee	NOUN
fsr-3238	19	16	report	report	NOUN
fsr-3238	19	17	(	(	PUNCT
fsr-3238	19	18	social	social	ADJ
fsr-3238	19	19	security	security	NOUN
fsr-3238	19	20	administration	administration	NOUN
fsr-3238	19	21	,	,	PUNCT
fsr-3238	19	22	2014	2014	NUM
fsr-3238	19	23	)	)	PUNCT
fsr-3238	19	24	,	,	PUNCT
fsr-3238	19	25	if	if	SCONJ
fsr-3238	19	26	no	no	DET
fsr-3238	19	27	changes	change	NOUN
fsr-3238	19	28	in	in	ADP
fsr-3238	19	29	taxes	taxis	NOUN
fsr-3238	19	30	or	or	CCONJ
fsr-3238	19	31	benefits	benefit	NOUN
fsr-3238	19	32	are	be	AUX
fsr-3238	19	33	implemented	implement	VERB
fsr-3238	19	34	,	,	PUNCT
fsr-3238	19	35	the	the	DET
fsr-3238	19	36	combined	combined	PROPN
fsr-3238	19	37	trust	trust	NOUN
fsr-3238	19	38	fund	fund	NOUN
fsr-3238	19	39	would	would	AUX
fsr-3238	19	40	be	be	AUX
fsr-3238	19	41	depleted	deplete	VERB
fsr-3238	19	42	by	by	ADP
fsr-3238	19	43	2033	2033	NUM
fsr-3238	19	44	,	,	PUNCT
fsr-3238	19	45	and	and	CCONJ
fsr-3238	19	46	income	income	NOUN
fsr-3238	19	47	would	would	AUX
fsr-3238	19	48	be	be	AUX
fsr-3238	19	49	sufficient	sufficient	ADJ
fsr-3238	19	50	in	in	ADP
fsr-3238	19	51	the	the	DET
fsr-3238	19	52	combined	combine	VERB
fsr-3238	19	53	fund	fund	NOUN
fsr-3238	19	54	to	to	PART
fsr-3238	19	55	pay	pay	VERB
fsr-3238	19	56	only	only	ADV
fsr-3238	19	57	77	77	NUM
fsr-3238	19	58	%	%	NOUN
fsr-3238	19	59	of	of	ADP
fsr-3238	19	60	scheduled	schedule	VERB
fsr-3238	19	61	benefits	benefit	NOUN
fsr-3238	19	62	.	.	PUNCT
fsr-3238	20	1	choi	choi	NOUN
fsr-3238	20	2	,	,	PUNCT
fsr-3238	20	3	laibson	laibson	PROPN
fsr-3238	20	4	,	,	PUNCT
fsr-3238	20	5	and	and	CCONJ
fsr-3238	20	6	madrian	madrian	ADJ
fsr-3238	20	7	(	(	PUNCT
fsr-3238	20	8	2004	2004	NUM
fsr-3238	20	9	)	)	PUNCT
fsr-3238	20	10	note	note	NOUN
fsr-3238	20	11	that	that	SCONJ
fsr-3238	20	12	defined	define	VERB
fsr-3238	20	13	benefit	benefit	NOUN
fsr-3238	20	14	pension	pension	NOUN
fsr-3238	20	15	plans	plan	NOUN
fsr-3238	20	16	have	have	AUX
fsr-3238	20	17	been	be	AUX
fsr-3238	20	18	steadily	steadily	ADV
fsr-3238	20	19	being	be	AUX
fsr-3238	20	20	replaced	replace	VERB
fsr-3238	20	21	with	with	ADP
fsr-3238	20	22	defined	define	VERB
fsr-3238	20	23	-	-	PUNCT
fsr-3238	20	24	contribution	contribution	NOUN
fsr-3238	20	25	pension	pension	NOUN
fsr-3238	20	26	plans	plan	NOUN
fsr-3238	20	27	so	so	SCONJ
fsr-3238	20	28	that	that	SCONJ
fsr-3238	20	29	workers	worker	NOUN
fsr-3238	20	30	are	be	AUX
fsr-3238	20	31	more	more	ADV
fsr-3238	20	32	responsible	responsible	ADJ
fsr-3238	20	33	for	for	ADP
fsr-3238	20	34	their	their	PRON
fsr-3238	20	35	own	own	ADJ
fsr-3238	20	36	retirement	retirement	NOUN
fsr-3238	20	37	savings	saving	NOUN
fsr-3238	20	38	.	.	PUNCT
fsr-3238	21	1	therefore	therefore	ADV
fsr-3238	21	2	,	,	PUNCT
fsr-3238	21	3	it	it	PRON
fsr-3238	21	4	is	be	AUX
fsr-3238	21	5	important	important	ADJ
fsr-3238	21	6	that	that	SCONJ
fsr-3238	21	7	workers	worker	NOUN
fsr-3238	21	8	have	have	VERB
fsr-3238	21	9	accurate	accurate	ADJ
fsr-3238	21	10	assessments	assessment	NOUN
fsr-3238	21	11	of	of	ADP
fsr-3238	21	12	their	their	PRON
fsr-3238	21	13	financial	financial	ADJ
fsr-3238	21	14	status	status	NOUN
fsr-3238	21	15	in	in	ADP
fsr-3238	21	16	the	the	DET
fsr-3238	21	17	retirement	retirement	NOUN
fsr-3238	21	18	planning	planning	NOUN
fsr-3238	21	19	process	process	NOUN
fsr-3238	21	20	.	.	PUNCT
fsr-3238	22	1	comparing	compare	VERB
fsr-3238	22	2	objective	objective	ADJ
fsr-3238	22	3	assessments	assessment	NOUN
fsr-3238	22	4	of	of	ADP
fsr-3238	22	5	projected	project	VERB
fsr-3238	22	6	retirement	retirement	NOUN
fsr-3238	22	7	adequacy	adequacy	NOUN
fsr-3238	22	8	to	to	ADP
fsr-3238	22	9	individual	individual	ADJ
fsr-3238	22	10	assessments	assessment	NOUN
fsr-3238	22	11	of	of	ADP
fsr-3238	22	12	future	future	ADJ
fsr-3238	22	13	retirement	retirement	NOUN
fsr-3238	22	14	adequacy	adequacy	NOUN
fsr-3238	22	15	would	would	AUX
fsr-3238	22	16	provide	provide	VERB
fsr-3238	22	17	insights	insight	NOUN
fsr-3238	22	18	into	into	ADP
fsr-3238	22	19	potential	potential	ADJ
fsr-3238	22	20	problems	problem	NOUN
fsr-3238	22	21	.	.	PUNCT
fsr-3238	23	1	analysis	analysis	NOUN
fsr-3238	23	2	of	of	ADP
fsr-3238	23	3	factors	factor	NOUN
fsr-3238	23	4	related	relate	VERB
fsr-3238	23	5	to	to	ADP
fsr-3238	23	6	discrepancies	discrepancy	NOUN
fsr-3238	23	7	between	between	ADP
fsr-3238	23	8	objective	objective	ADJ
fsr-3238	23	9	and	and	CCONJ
fsr-3238	23	10	subjective	subjective	ADJ
fsr-3238	23	11	assessments	assessment	NOUN
fsr-3238	23	12	could	could	AUX
fsr-3238	23	13	provide	provide	VERB
fsr-3238	23	14	a	a	DET
fsr-3238	23	15	better	well	ADJ
fsr-3238	23	16	focus	focus	NOUN
fsr-3238	23	17	for	for	ADP
fsr-3238	23	18	financial	financial	ADJ
fsr-3238	23	19	education	education	NOUN
fsr-3238	23	20	.	.	PUNCT
fsr-3238	24	1	the	the	DET
fsr-3238	24	2	main	main	ADJ
fsr-3238	24	3	purpose	purpose	NOUN
fsr-3238	24	4	of	of	ADP
fsr-3238	24	5	this	this	DET
fsr-3238	24	6	study	study	NOUN
fsr-3238	24	7	is	be	AUX
fsr-3238	24	8	to	to	PART
fsr-3238	24	9	assess	assess	VERB
fsr-3238	24	10	the	the	DET
fsr-3238	24	11	consistency	consistency	NOUN
fsr-3238	24	12	between	between	ADP
fsr-3238	24	13	objective	objective	ADJ
fsr-3238	24	14	and	and	CCONJ
fsr-3238	24	15	subjective	subjective	ADJ
fsr-3238	24	16	projected	project	VERB
fsr-3238	24	17	retirement	retirement	NOUN
fsr-3238	24	18	adequacy	adequacy	NOUN
fsr-3238	24	19	.	.	PUNCT
fsr-3238	25	1	to	to	PART
fsr-3238	25	2	assess	assess	VERB
fsr-3238	25	3	the	the	DET
fsr-3238	25	4	objective	objective	ADJ
fsr-3238	25	5	retirement	retirement	NOUN
fsr-3238	25	6	adequacy	adequacy	NOUN
fsr-3238	25	7	,	,	PUNCT
fsr-3238	25	8	we	we	PRON
fsr-3238	25	9	calculate	calculate	VERB
fsr-3238	25	10	the	the	DET
fsr-3238	25	11	mean	mean	ADJ
fsr-3238	25	12	income	income	NOUN
fsr-3238	25	13	replacement	replacement	NOUN
fsr-3238	25	14	rate	rate	NOUN
fsr-3238	25	15	by	by	ADP
fsr-3238	25	16	following	follow	VERB
fsr-3238	25	17	the	the	DET
fsr-3238	25	18	retirement	retirement	NOUN
fsr-3238	25	19	income	income	NOUN
fsr-3238	25	20	stage	stage	NOUN
fsr-3238	25	21	method	method	NOUN
fsr-3238	25	22	(	(	PUNCT
fsr-3238	25	23	chen	chen	PROPN
fsr-3238	25	24	,	,	PUNCT
fsr-3238	25	25	2007	2007	NUM
fsr-3238	25	26	;	;	PUNCT
fsr-3238	25	27	kim	kim	PROPN
fsr-3238	25	28	,	,	PUNCT
fsr-3238	25	29	hanna	hanna	PROPN
fsr-3238	25	30	,	,	PUNCT
fsr-3238	25	31	and	and	CCONJ
fsr-3238	25	32	chen	chen	PROPN
fsr-3238	25	33	,	,	PUNCT
fsr-3238	25	34	2014	2014	NUM
fsr-3238	25	35	)	)	PUNCT
fsr-3238	25	36	.	.	PUNCT
fsr-3238	26	1	compared	compare	VERB
fsr-3238	26	2	to	to	ADP
fsr-3238	26	3	the	the	DET
fsr-3238	26	4	benchmark	benchmark	ADJ
fsr-3238	26	5	ratios	ratio	NOUN
fsr-3238	26	6	for	for	ADP
fsr-3238	26	7	different	different	ADJ
fsr-3238	26	8	income	income	NOUN
fsr-3238	26	9	categories	category	NOUN
fsr-3238	26	10	estimated	estimate	VERB
fsr-3238	26	11	from	from	ADP
fsr-3238	26	12	the	the	DET
fsr-3238	26	13	2010	2010	NUM
fsr-3238	26	14	consumer	consumer	NOUN
fsr-3238	26	15	expenditure	expenditure	NOUN
fsr-3238	26	16	survey	survey	NOUN
fsr-3238	26	17	,	,	PUNCT
fsr-3238	26	18	the	the	DET
fsr-3238	26	19	adequacy	adequacy	NOUN
fsr-3238	26	20	of	of	ADP
fsr-3238	26	21	retirement	retirement	NOUN
fsr-3238	26	22	resources	resource	NOUN
fsr-3238	26	23	is	be	AUX
fsr-3238	26	24	determined	determine	VERB
fsr-3238	26	25	.	.	PUNCT
fsr-3238	27	1	the	the	DET
fsr-3238	27	2	scf	scf	PROPN
fsr-3238	27	3	variable	variable	NOUN
fsr-3238	27	4	of	of	ADP
fsr-3238	27	5	the	the	DET
fsr-3238	27	6	respondent	respondent	NOUN
fsr-3238	27	7	’s	’s	PART
fsr-3238	27	8	perception	perception	NOUN
fsr-3238	27	9	of	of	ADP
fsr-3238	27	10	the	the	DET
fsr-3238	27	11	adequacy	adequacy	NOUN
fsr-3238	27	12	of	of	ADP
fsr-3238	27	13	retirement	retirement	NOUN
fsr-3238	27	14	income	income	NOUN
fsr-3238	27	15	is	be	AUX
fsr-3238	27	16	used	use	VERB
fsr-3238	27	17	as	as	ADP
fsr-3238	27	18	a	a	DET
fsr-3238	27	19	subjective	subjective	ADJ
fsr-3238	27	20	measure	measure	NOUN
fsr-3238	27	21	of	of	ADP
fsr-3238	27	22	having	have	VERB
fsr-3238	27	23	an	an	DET
fsr-3238	27	24	adequate	adequate	ADJ
fsr-3238	27	25	retirement	retirement	NOUN
fsr-3238	27	26	.	.	PUNCT
fsr-3238	28	1	based	base	VERB
fsr-3238	28	2	on	on	ADP
fsr-3238	28	3	objective	objective	ADJ
fsr-3238	28	4	/	/	SYM
fsr-3238	28	5	subjective	subjective	ADJ
fsr-3238	28	6	consistency	consistency	NOUN
fsr-3238	28	7	,	,	PUNCT
fsr-3238	28	8	we	we	PRON
fsr-3238	28	9	identify	identify	VERB
fsr-3238	28	10	four	four	NUM
fsr-3238	28	11	groups	group	NOUN
fsr-3238	28	12	;	;	PUNCT
fsr-3238	28	13	unrealistic	unrealistic	ADJ
fsr-3238	28	14	optimists	optimist	NOUN
fsr-3238	28	15	,	,	PUNCT
fsr-3238	28	16	pessimists	pessimist	NOUN
fsr-3238	28	17	,	,	PUNCT
fsr-3238	28	18	adequate	adequate	ADJ
fsr-3238	28	19	realists	realist	NOUN
fsr-3238	28	20	,	,	PUNCT
fsr-3238	28	21	and	and	CCONJ
fsr-3238	28	22	inadequate	inadequate	ADJ
fsr-3238	28	23	realists	realist	NOUN
fsr-3238	28	24	(	(	PUNCT
fsr-3238	28	25	table	table	NOUN
fsr-3238	28	26	1	1	NUM
fsr-3238	28	27	)	)	PUNCT
fsr-3238	28	28	.	.	PUNCT
fsr-3238	29	1	we	we	PRON
fsr-3238	29	2	focus	focus	VERB
fsr-3238	29	3	our	our	PRON
fsr-3238	29	4	analysis	analysis	NOUN
fsr-3238	29	5	in	in	ADP
fsr-3238	29	6	this	this	DET
fsr-3238	29	7	article	article	NOUN
fsr-3238	29	8	on	on	ADP
fsr-3238	29	9	households	household	NOUN
fsr-3238	29	10	that	that	PRON
fsr-3238	29	11	are	be	AUX
fsr-3238	29	12	projected	project	VERB
fsr-3238	29	13	to	to	PART
fsr-3238	29	14	have	have	VERB
fsr-3238	29	15	objective	objective	ADJ
fsr-3238	29	16	inadequacy	inadequacy	NOUN
fsr-3238	29	17	(	(	PUNCT
fsr-3238	29	18	i.e.	i.e.	X
fsr-3238	29	19	,	,	PUNCT
fsr-3238	29	20	unrealistic	unrealistic	ADJ
fsr-3238	29	21	optimists	optimist	NOUN
fsr-3238	29	22	&	&	CCONJ
fsr-3238	29	23	inadequate	inadequate	ADJ
fsr-3238	29	24	realists	realist	NOUN
fsr-3238	29	25	)	)	PUNCT
fsr-3238	29	26	for	for	ADP
fsr-3238	29	27	the	the	DET
fsr-3238	29	28	purpose	purpose	NOUN
fsr-3238	29	29	of	of	ADP
fsr-3238	29	30	public	public	ADJ
fsr-3238	29	31	policy	policy	NOUN
fsr-3238	29	32	interests	interest	NOUN
fsr-3238	29	33	.	.	PUNCT
fsr-3238	30	1	by	by	ADP
fsr-3238	30	2	analyzing	analyze	VERB
fsr-3238	30	3	households	household	NOUN
fsr-3238	30	4	aged	age	VERB
fsr-3238	30	5	35	35	NUM
fsr-3238	30	6	to	to	ADP
fsr-3238	30	7	60	60	NUM
fsr-3238	30	8	with	with	ADP
fsr-3238	30	9	a	a	DET
fsr-3238	30	10	full	full	ADJ
fsr-3238	30	11	-	-	PUNCT
fsr-3238	30	12	time	time	NOUN
fsr-3238	30	13	worker	worker	NOUN
fsr-3238	30	14	in	in	ADP
fsr-3238	30	15	the	the	DET
fsr-3238	30	16	2010	2010	NUM
fsr-3238	30	17	survey	survey	NOUN
fsr-3238	30	18	table	table	NOUN
fsr-3238	30	19	1	1	NUM
fsr-3238	30	20	perception	perception	NOUN
fsr-3238	30	21	vs.	vs.	ADP
fsr-3238	30	22	objective	objective	ADJ
fsr-3238	30	23	retirement	retirement	NOUN
fsr-3238	30	24	adequacy	adequacy	NOUN
fsr-3238	30	25	of	of	ADP
fsr-3238	30	26	u.s	u.s	PROPN
fsr-3238	30	27	households	household	NOUN
fsr-3238	30	28	with	with	ADP
fsr-3238	30	29	head	head	NOUN
fsr-3238	30	30	employed	employ	VERB
fsr-3238	30	31	full	full	ADJ
fsr-3238	30	32	-	-	PUNCT
fsr-3238	30	33	time	time	NOUN
fsr-3238	30	34	and	and	CCONJ
fsr-3238	30	35	age	age	NOUN
fsr-3238	30	36	35	35	NUM
fsr-3238	30	37	to	to	ADP
fsr-3238	30	38	60	60	NUM
fsr-3238	30	39	,	,	PUNCT
fsr-3238	30	40	2010	2010	NUM
fsr-3238	30	41	scf	scf	PROPN
fsr-3238	30	42	objective	objective	ADJ
fsr-3238	30	43	measurementb	measurementb	NOUN
fsr-3238	30	44	total	total	ADJ
fsr-3238	30	45	adequate	adequate	ADJ
fsr-3238	30	46	retirement	retirement	NOUN
fsr-3238	30	47	inadequate	inadequate	ADJ
fsr-3238	30	48	retirement	retirement	PROPN
fsr-3238	30	49	subjective	subjective	ADJ
fsr-3238	30	50	measurementa	measurementa	NOUN
fsr-3238	30	51	perceived	perceive	VERB
fsr-3238	30	52	adequate	adequate	ADJ
fsr-3238	30	53	retirement	retirement	NOUN
fsr-3238	30	54	19.6	19.6	NUM
fsr-3238	30	55	%	%	NOUN
fsr-3238	30	56	(	(	PUNCT
fsr-3238	30	57	adequate	adequate	ADJ
fsr-3238	30	58	realists	realist	NOUN
fsr-3238	30	59	)	)	PUNCT
fsr-3238	30	60	26.1	26.1	NUM
fsr-3238	30	61	%	%	NOUN
fsr-3238	30	62	(	(	PUNCT
fsr-3238	30	63	unrealistic	unrealistic	ADJ
fsr-3238	30	64	optimists	optimist	NOUN
fsr-3238	30	65	)	)	PUNCT
fsr-3238	30	66	45.7	45.7	NUM
fsr-3238	30	67	%	%	NOUN
fsr-3238	30	68	perceived	perceive	VERB
fsr-3238	30	69	inadequate	inadequate	ADJ
fsr-3238	30	70	retirement	retirement	NOUN
fsr-3238	30	71	22.3	22.3	NUM
fsr-3238	30	72	%	%	NOUN
fsr-3238	30	73	(	(	PUNCT
fsr-3238	30	74	pessimists	pessimist	NOUN
fsr-3238	30	75	)	)	PUNCT
fsr-3238	30	76	32.0	32.0	NUM
fsr-3238	30	77	%	%	NOUN
fsr-3238	30	78	(	(	PUNCT
fsr-3238	30	79	inadequate	inadequate	ADJ
fsr-3238	30	80	realists	realist	NOUN
fsr-3238	30	81	)	)	PUNCT
fsr-3238	30	82	54.3	54.3	NUM
fsr-3238	30	83	%	%	NOUN
fsr-3238	30	84	total	total	NOUN
fsr-3238	30	85	41.9	41.9	NUM
fsr-3238	30	86	%	%	NOUN
fsr-3238	30	87	58.1	58.1	NUM
fsr-3238	30	88	%	%	NOUN
fsr-3238	30	89	100	100	NUM
fsr-3238	30	90	%	%	NOUN
fsr-3238	30	91	a	a	PRON
fsr-3238	30	92	for	for	ADP
fsr-3238	30	93	the	the	DET
fsr-3238	30	94	purpose	purpose	NOUN
fsr-3238	30	95	of	of	ADP
fsr-3238	30	96	this	this	DET
fsr-3238	30	97	study	study	NOUN
fsr-3238	30	98	,	,	PUNCT
fsr-3238	30	99	we	we	PRON
fsr-3238	30	100	recoded	recode	VERB
fsr-3238	30	101	the	the	DET
fsr-3238	30	102	perceived	perceive	VERB
fsr-3238	30	103	retirement	retirement	NOUN
fsr-3238	30	104	adequacy	adequacy	NOUN
fsr-3238	30	105	variable	variable	NOUN
fsr-3238	30	106	as	as	ADP
fsr-3238	30	107	a	a	DET
fsr-3238	30	108	binary	binary	ADJ
fsr-3238	30	109	category	category	NOUN
fsr-3238	30	110	.	.	PUNCT
fsr-3238	31	1	when	when	SCONJ
fsr-3238	31	2	the	the	DET
fsr-3238	31	3	response	response	NOUN
fsr-3238	31	4	is	be	AUX
fsr-3238	31	5	coded	code	VERB
fsr-3238	31	6	1	1	NUM
fsr-3238	31	7	or	or	CCONJ
fsr-3238	31	8	2	2	NUM
fsr-3238	31	9	(	(	PUNCT
fsr-3238	31	10	totally	totally	ADV
fsr-3238	31	11	inadequate	inadequate	ADJ
fsr-3238	31	12	and	and	CCONJ
fsr-3238	31	13	inadequate	inadequate	ADJ
fsr-3238	31	14	)	)	PUNCT
fsr-3238	31	15	,	,	PUNCT
fsr-3238	31	16	it	it	PRON
fsr-3238	31	17	is	be	AUX
fsr-3238	31	18	defined	define	VERB
fsr-3238	31	19	as	as	ADP
fsr-3238	31	20	having	have	VERB
fsr-3238	31	21	a	a	DET
fsr-3238	31	22	perception	perception	NOUN
fsr-3238	31	23	of	of	ADP
fsr-3238	31	24	an	an	DET
fsr-3238	31	25	inadequate	inadequate	ADJ
fsr-3238	31	26	retirement	retirement	NOUN
fsr-3238	31	27	.	.	PUNCT
fsr-3238	32	1	if	if	SCONJ
fsr-3238	32	2	the	the	DET
fsr-3238	32	3	response	response	NOUN
fsr-3238	32	4	has	have	VERB
fsr-3238	32	5	3	3	NUM
fsr-3238	32	6	,	,	PUNCT
fsr-3238	32	7	4	4	NUM
fsr-3238	32	8	,	,	PUNCT
fsr-3238	32	9	or	or	CCONJ
fsr-3238	32	10	5	5	NUM
fsr-3238	32	11	,	,	PUNCT
fsr-3238	32	12	perceived	perceive	VERB
fsr-3238	32	13	adequacy	adequacy	NOUN
fsr-3238	32	14	coded	code	VERB
fsr-3238	32	15	as	as	ADP
fsr-3238	32	16	having	have	VERB
fsr-3238	32	17	a	a	DET
fsr-3238	32	18	perception	perception	NOUN
fsr-3238	32	19	of	of	ADP
fsr-3238	32	20	an	an	DET
fsr-3238	32	21	adequate	adequate	ADJ
fsr-3238	32	22	retirement	retirement	NOUN
fsr-3238	32	23	.	.	PUNCT
fsr-3238	33	1	b	b	X
fsr-3238	33	2	see	see	VERB
fsr-3238	33	3	the	the	DET
fsr-3238	33	4	method	method	NOUN
fsr-3238	33	5	section	section	NOUN
fsr-3238	33	6	.	.	PUNCT
fsr-3238	34	1	140	140	NUM
fsr-3238	34	2	k.t	k.t	PROPN
fsr-3238	34	3	.	.	PROPN
fsr-3238	34	4	kim	kim	PROPN
fsr-3238	34	5	,	,	PUNCT
fsr-3238	34	6	s.d	s.d	PROPN
fsr-3238	34	7	.	.	PROPN
fsr-3238	34	8	hanna	hanna	PROPN
fsr-3238	34	9	/	/	SYM
fsr-3238	34	10	financial	financial	ADJ
fsr-3238	34	11	services	service	NOUN
fsr-3238	34	12	review	review	VERB
fsr-3238	34	13	24	24	NUM
fsr-3238	34	14	(	(	PUNCT
fsr-3238	34	15	2015	2015	NUM
fsr-3238	34	16	)	)	PUNCT
fsr-3238	34	17	139–155	139–155	NUM
fsr-3238	34	18	of	of	ADP
fsr-3238	34	19	consumer	consumer	NOUN
fsr-3238	34	20	finances	finance	NOUN
fsr-3238	34	21	(	(	PUNCT
fsr-3238	34	22	scf	scf	PROPN
fsr-3238	34	23	)	)	PUNCT
fsr-3238	34	24	dataset	dataset	NOUN
fsr-3238	34	25	,	,	PUNCT
fsr-3238	34	26	we	we	PRON
fsr-3238	34	27	analyze	analyze	VERB
fsr-3238	34	28	factors	factor	NOUN
fsr-3238	34	29	related	relate	VERB
fsr-3238	34	30	to	to	ADP
fsr-3238	34	31	being	be	AUX
fsr-3238	34	32	an	an	DET
fsr-3238	34	33	unrealistic	unrealistic	ADJ
fsr-3238	34	34	optimist	optimist	NOUN
fsr-3238	34	35	among	among	ADP
fsr-3238	34	36	households	household	NOUN
fsr-3238	34	37	with	with	ADP
fsr-3238	34	38	objective	objective	ADJ
fsr-3238	34	39	inadequacy	inadequacy	NOUN
fsr-3238	34	40	.	.	PUNCT
fsr-3238	35	1	2	2	X
fsr-3238	35	2	.	.	X
fsr-3238	35	3	literature	literature	NOUN
fsr-3238	35	4	review	review	VERB
fsr-3238	35	5	2.1	2.1	NUM
fsr-3238	35	6	.	.	PUNCT
fsr-3238	36	1	behavioral	behavioral	ADJ
fsr-3238	36	2	versus	versus	ADP
fsr-3238	36	3	the	the	DET
fsr-3238	36	4	life	life	NOUN
fsr-3238	36	5	cycle	cycle	NOUN
fsr-3238	36	6	model	model	NOUN
fsr-3238	36	7	the	the	DET
fsr-3238	36	8	dominant	dominant	ADJ
fsr-3238	36	9	theory	theory	NOUN
fsr-3238	36	10	for	for	ADP
fsr-3238	36	11	analyzing	analyze	VERB
fsr-3238	36	12	retirement	retirement	NOUN
fsr-3238	36	13	saving	saving	NOUN
fsr-3238	36	14	behaviors	behavior	NOUN
fsr-3238	36	15	is	be	AUX
fsr-3238	36	16	the	the	DET
fsr-3238	36	17	life	life	NOUN
fsr-3238	36	18	cycle	cycle	NOUN
fsr-3238	36	19	saving	saving	NOUN
fsr-3238	36	20	(	(	PUNCT
fsr-3238	36	21	lcs	lcs	PROPN
fsr-3238	36	22	)	)	PUNCT
fsr-3238	36	23	model	model	NOUN
fsr-3238	36	24	(	(	PUNCT
fsr-3238	36	25	modigliani	modigliani	PROPN
fsr-3238	36	26	and	and	CCONJ
fsr-3238	36	27	brumberg	brumberg	PROPN
fsr-3238	36	28	,	,	PUNCT
fsr-3238	36	29	1954	1954	NUM
fsr-3238	36	30	)	)	PUNCT
fsr-3238	36	31	.	.	PUNCT
fsr-3238	37	1	the	the	DET
fsr-3238	37	2	lcs	lcs	PROPN
fsr-3238	37	3	model	model	NOUN
fsr-3238	37	4	(	(	PUNCT
fsr-3238	37	5	ando	ando	PROPN
fsr-3238	37	6	and	and	CCONJ
fsr-3238	37	7	modigliani	modigliani	PROPN
fsr-3238	37	8	,	,	PUNCT
fsr-3238	37	9	1963	1963	NUM
fsr-3238	37	10	)	)	PUNCT
fsr-3238	37	11	assumes	assume	VERB
fsr-3238	37	12	that	that	SCONJ
fsr-3238	37	13	attempt	attempt	VERB
fsr-3238	37	14	to	to	PART
fsr-3238	37	15	smooth	smooth	VERB
fsr-3238	37	16	consumption	consumption	NOUN
fsr-3238	37	17	,	,	PUNCT
fsr-3238	37	18	and	and	CCONJ
fsr-3238	37	19	therefore	therefore	ADV
fsr-3238	37	20	,	,	PUNCT
fsr-3238	37	21	typically	typically	ADV
fsr-3238	37	22	savings	saving	NOUN
fsr-3238	37	23	will	will	AUX
fsr-3238	37	24	be	be	AUX
fsr-3238	37	25	related	relate	VERB
fsr-3238	37	26	to	to	ADP
fsr-3238	37	27	an	an	DET
fsr-3238	37	28	individual	individual	NOUN
fsr-3238	37	29	’s	’s	PART
fsr-3238	37	30	stage	stage	NOUN
fsr-3238	37	31	in	in	ADP
fsr-3238	37	32	the	the	DET
fsr-3238	37	33	life	life	NOUN
fsr-3238	37	34	cycle	cycle	NOUN
fsr-3238	37	35	.	.	PUNCT
fsr-3238	38	1	those	those	PRON
fsr-3238	38	2	who	who	PRON
fsr-3238	38	3	use	use	VERB
fsr-3238	38	4	the	the	DET
fsr-3238	38	5	lcs	lcs	PROPN
fsr-3238	38	6	model	model	NOUN
fsr-3238	38	7	to	to	PART
fsr-3238	38	8	explain	explain	VERB
fsr-3238	38	9	household	household	NOUN
fsr-3238	38	10	behavior	behavior	NOUN
fsr-3238	38	11	are	be	AUX
fsr-3238	38	12	assuming	assume	VERB
fsr-3238	38	13	that	that	SCONJ
fsr-3238	38	14	households	household	NOUN
fsr-3238	38	15	can	can	AUX
fsr-3238	38	16	make	make	VERB
fsr-3238	38	17	rational	rational	ADJ
fsr-3238	38	18	decisions	decision	NOUN
fsr-3238	38	19	and	and	CCONJ
fsr-3238	38	20	can	can	AUX
fsr-3238	38	21	project	project	VERB
fsr-3238	38	22	future	future	ADJ
fsr-3238	38	23	patterns	pattern	NOUN
fsr-3238	38	24	of	of	ADP
fsr-3238	38	25	non	non	ADJ
fsr-3238	38	26	-	-	ADJ
fsr-3238	38	27	investment	investment	ADJ
fsr-3238	38	28	income	income	NOUN
fsr-3238	38	29	and	and	CCONJ
fsr-3238	38	30	life	life	NOUN
fsr-3238	38	31	expectancy	expectancy	NOUN
fsr-3238	38	32	.	.	PUNCT
fsr-3238	39	1	furthermore	furthermore	ADV
fsr-3238	39	2	,	,	PUNCT
fsr-3238	39	3	the	the	DET
fsr-3238	39	4	lcs	lcs	PROPN
fsr-3238	39	5	model	model	NOUN
fsr-3238	39	6	has	have	VERB
fsr-3238	39	7	the	the	DET
fsr-3238	39	8	assumption	assumption	NOUN
fsr-3238	39	9	that	that	SCONJ
fsr-3238	39	10	consumption	consumption	NOUN
fsr-3238	39	11	smoothing	smoothing	NOUN
fsr-3238	39	12	can	can	AUX
fsr-3238	39	13	be	be	AUX
fsr-3238	39	14	achieved	achieve	VERB
fsr-3238	39	15	by	by	ADP
fsr-3238	39	16	borrowing	borrow	VERB
fsr-3238	39	17	when	when	SCONJ
fsr-3238	39	18	earnings	earning	NOUN
fsr-3238	39	19	are	be	AUX
fsr-3238	39	20	low	low	ADJ
fsr-3238	39	21	and	and	CCONJ
fsr-3238	39	22	saving	save	VERB
fsr-3238	39	23	for	for	ADP
fsr-3238	39	24	wealth	wealth	NOUN
fsr-3238	39	25	accumulation	accumulation	NOUN
fsr-3238	39	26	when	when	SCONJ
fsr-3238	39	27	earnings	earning	NOUN
fsr-3238	39	28	are	be	AUX
fsr-3238	39	29	high	high	ADJ
fsr-3238	39	30	,	,	PUNCT
fsr-3238	39	31	and	and	CCONJ
fsr-3238	39	32	dissaving	dissave	VERB
fsr-3238	39	33	in	in	ADP
fsr-3238	39	34	retirement	retirement	NOUN
fsr-3238	39	35	(	(	PUNCT
fsr-3238	39	36	browning	browning	NOUN
fsr-3238	39	37	and	and	CCONJ
fsr-3238	39	38	crossley	crossley	NOUN
fsr-3238	39	39	,	,	PUNCT
fsr-3238	39	40	2001	2001	NUM
fsr-3238	39	41	)	)	PUNCT
fsr-3238	39	42	.	.	PUNCT
fsr-3238	40	1	in	in	ADP
fsr-3238	40	2	the	the	DET
fsr-3238	40	3	traditional	traditional	ADJ
fsr-3238	40	4	approach	approach	NOUN
fsr-3238	40	5	,	,	PUNCT
fsr-3238	40	6	households	household	NOUN
fsr-3238	40	7	are	be	AUX
fsr-3238	40	8	assumed	assume	VERB
fsr-3238	40	9	to	to	PART
fsr-3238	40	10	be	be	AUX
fsr-3238	40	11	fully	fully	ADV
fsr-3238	40	12	informed	inform	VERB
fsr-3238	40	13	about	about	ADP
fsr-3238	40	14	their	their	PRON
fsr-3238	40	15	life	life	NOUN
fsr-3238	40	16	-	-	PUNCT
fsr-3238	40	17	cycle	cycle	NOUN
fsr-3238	40	18	wealth	wealth	NOUN
fsr-3238	40	19	and	and	CCONJ
fsr-3238	40	20	when	when	SCONJ
fsr-3238	40	21	they	they	PRON
fsr-3238	40	22	will	will	AUX
fsr-3238	40	23	retire	retire	VERB
fsr-3238	40	24	.	.	PUNCT
fsr-3238	41	1	on	on	ADP
fsr-3238	41	2	the	the	DET
fsr-3238	41	3	other	other	ADJ
fsr-3238	41	4	hand	hand	NOUN
fsr-3238	41	5	,	,	PUNCT
fsr-3238	41	6	behavioral	behavioral	ADJ
fsr-3238	41	7	economists	economist	NOUN
fsr-3238	41	8	are	be	AUX
fsr-3238	41	9	interested	interested	ADJ
fsr-3238	41	10	in	in	ADP
fsr-3238	41	11	how	how	SCONJ
fsr-3238	41	12	people	people	NOUN
fsr-3238	41	13	make	make	VERB
fsr-3238	41	14	decisions	decision	NOUN
fsr-3238	41	15	in	in	ADP
fsr-3238	41	16	the	the	DET
fsr-3238	41	17	face	face	NOUN
fsr-3238	41	18	of	of	ADP
fsr-3238	41	19	incomplete	incomplete	ADJ
fsr-3238	41	20	information	information	NOUN
fsr-3238	41	21	,	,	PUNCT
fsr-3238	41	22	limited	limited	ADJ
fsr-3238	41	23	cognitive	cognitive	ADJ
fsr-3238	41	24	resources	resource	NOUN
fsr-3238	41	25	,	,	PUNCT
fsr-3238	41	26	and	and	CCONJ
fsr-3238	41	27	decision	decision	NOUN
fsr-3238	41	28	biases	bias	NOUN
fsr-3238	41	29	(	(	PUNCT
fsr-3238	41	30	knoll	knoll	NOUN
fsr-3238	41	31	,	,	PUNCT
fsr-3238	41	32	2010	2010	NUM
fsr-3238	41	33	)	)	PUNCT
fsr-3238	41	34	.	.	PUNCT
fsr-3238	42	1	the	the	DET
fsr-3238	42	2	behavioral	behavioral	ADJ
fsr-3238	42	3	life	life	NOUN
fsr-3238	42	4	-	-	PUNCT
fsr-3238	42	5	cycle	cycle	NOUN
fsr-3238	42	6	hypothesis	hypothesis	NOUN
fsr-3238	42	7	integrates	integrate	VERB
fsr-3238	42	8	a	a	DET
fsr-3238	42	9	traditional	traditional	ADJ
fsr-3238	42	10	lcs	lcs	NOUN
fsr-3238	42	11	model	model	NOUN
fsr-3238	42	12	with	with	ADP
fsr-3238	42	13	a	a	DET
fsr-3238	42	14	psychological	psychological	ADJ
fsr-3238	42	15	model	model	NOUN
fsr-3238	42	16	including	include	VERB
fsr-3238	42	17	saving	save	VERB
fsr-3238	42	18	motives	motive	NOUN
fsr-3238	42	19	(	(	PUNCT
fsr-3238	42	20	shefrin	shefrin	NOUN
fsr-3238	42	21	and	and	CCONJ
fsr-3238	42	22	thaler	thaler	NOUN
fsr-3238	42	23	,	,	PUNCT
fsr-3238	42	24	1988	1988	NUM
fsr-3238	42	25	)	)	PUNCT
fsr-3238	42	26	,	,	PUNCT
fsr-3238	42	27	the	the	DET
fsr-3238	42	28	buffer	buffer	NOUN
fsr-3238	42	29	stock	stock	NOUN
fsr-3238	42	30	saving	saving	NOUN
fsr-3238	42	31	model	model	NOUN
fsr-3238	42	32	(	(	PUNCT
fsr-3238	42	33	carroll	carroll	NOUN
fsr-3238	42	34	,	,	PUNCT
fsr-3238	42	35	1997	1997	NUM
fsr-3238	42	36	)	)	PUNCT
fsr-3238	42	37	,	,	PUNCT
fsr-3238	42	38	and	and	CCONJ
fsr-3238	42	39	the	the	DET
fsr-3238	42	40	hyperbolic	hyperbolic	ADJ
fsr-3238	42	41	consumption	consumption	NOUN
fsr-3238	42	42	model	model	NOUN
fsr-3238	42	43	(	(	PUNCT
fsr-3238	42	44	angeletos	angeletos	PROPN
fsr-3238	42	45	,	,	PUNCT
fsr-3238	42	46	laibson	laibson	PROPN
fsr-3238	42	47	,	,	PUNCT
fsr-3238	42	48	repetto	repetto	NOUN
fsr-3238	42	49	,	,	PUNCT
fsr-3238	42	50	tobacman	tobacman	NOUN
fsr-3238	42	51	,	,	PUNCT
fsr-3238	42	52	and	and	CCONJ
fsr-3238	42	53	weinberg	weinberg	PROPN
fsr-3238	42	54	,	,	PUNCT
fsr-3238	42	55	2001	2001	NUM
fsr-3238	42	56	;	;	PUNCT
fsr-3238	42	57	laibson	laibson	PROPN
fsr-3238	42	58	,	,	PUNCT
fsr-3238	42	59	1997	1997	NUM
fsr-3238	42	60	)	)	PUNCT
fsr-3238	42	61	.	.	PUNCT
fsr-3238	43	1	because	because	SCONJ
fsr-3238	43	2	this	this	DET
fsr-3238	43	3	study	study	NOUN
fsr-3238	43	4	focuses	focus	VERB
fsr-3238	43	5	on	on	ADP
fsr-3238	43	6	the	the	DET
fsr-3238	43	7	divergence	divergence	NOUN
fsr-3238	43	8	between	between	ADP
fsr-3238	43	9	a	a	DET
fsr-3238	43	10	household	household	NOUN
fsr-3238	43	11	’s	’s	PART
fsr-3238	43	12	objective	objective	ADJ
fsr-3238	43	13	and	and	CCONJ
fsr-3238	43	14	subjective	subjective	ADJ
fsr-3238	43	15	assessment	assessment	NOUN
fsr-3238	43	16	of	of	ADP
fsr-3238	43	17	retirement	retirement	NOUN
fsr-3238	43	18	resources	resource	NOUN
fsr-3238	43	19	and	and	CCONJ
fsr-3238	43	20	its	its	PRON
fsr-3238	43	21	adequacy	adequacy	NOUN
fsr-3238	43	22	,	,	PUNCT
fsr-3238	43	23	we	we	PRON
fsr-3238	43	24	review	review	VERB
fsr-3238	43	25	some	some	DET
fsr-3238	43	26	empirical	empirical	ADJ
fsr-3238	43	27	studies	study	NOUN
fsr-3238	43	28	that	that	PRON
fsr-3238	43	29	have	have	AUX
fsr-3238	43	30	been	be	AUX
fsr-3238	43	31	discussed	discuss	VERB
fsr-3238	43	32	to	to	PART
fsr-3238	43	33	analyze	analyze	VERB
fsr-3238	43	34	the	the	DET
fsr-3238	43	35	effect	effect	NOUN
fsr-3238	43	36	of	of	ADP
fsr-3238	43	37	cognitive	cognitive	ADJ
fsr-3238	43	38	ability	ability	NOUN
fsr-3238	43	39	on	on	ADP
fsr-3238	43	40	financial	financial	ADJ
fsr-3238	43	41	behavior	behavior	NOUN
fsr-3238	43	42	related	relate	VERB
fsr-3238	43	43	to	to	ADP
fsr-3238	43	44	households	household	NOUN
fsr-3238	43	45	’	'	PUNCT
fsr-3238	43	46	retirement	retirement	NOUN
fsr-3238	43	47	saving	saving	NOUN
fsr-3238	43	48	(	(	PUNCT
fsr-3238	43	49	or	or	CCONJ
fsr-3238	43	50	planning	planning	NOUN
fsr-3238	43	51	)	)	PUNCT
fsr-3238	43	52	.	.	PUNCT
fsr-3238	44	1	2.2	2.2	NUM
fsr-3238	44	2	.	.	PUNCT
fsr-3238	44	3	cognitive	cognitive	ADJ
fsr-3238	44	4	ability	ability	NOUN
fsr-3238	44	5	and	and	CCONJ
fsr-3238	44	6	economic	economic	ADJ
fsr-3238	44	7	decisions	decision	NOUN
fsr-3238	44	8	previous	previous	ADJ
fsr-3238	44	9	studies	study	NOUN
fsr-3238	44	10	have	have	AUX
fsr-3238	44	11	focused	focus	VERB
fsr-3238	44	12	on	on	ADP
fsr-3238	44	13	the	the	DET
fsr-3238	44	14	relationship	relationship	NOUN
fsr-3238	44	15	between	between	ADP
fsr-3238	44	16	cognitive	cognitive	ADJ
fsr-3238	44	17	ability	ability	NOUN
fsr-3238	44	18	and	and	CCONJ
fsr-3238	44	19	economic	economic	ADJ
fsr-3238	44	20	decisions	decision	NOUN
fsr-3238	44	21	.	.	PUNCT
fsr-3238	45	1	frederick	frederick	PROPN
fsr-3238	45	2	(	(	PUNCT
fsr-3238	45	3	2005	2005	NUM
fsr-3238	45	4	)	)	PUNCT
fsr-3238	45	5	and	and	CCONJ
fsr-3238	45	6	dohmen	dohman	NOUN
fsr-3238	45	7	,	,	PUNCT
fsr-3238	45	8	falk	falk	NOUN
fsr-3238	45	9	,	,	PUNCT
fsr-3238	45	10	huffman	huffman	PROPN
fsr-3238	45	11	,	,	PUNCT
fsr-3238	45	12	and	and	CCONJ
fsr-3238	45	13	sunde	sunde	PROPN
fsr-3238	45	14	(	(	PUNCT
fsr-3238	45	15	2010	2010	NUM
fsr-3238	45	16	)	)	PUNCT
fsr-3238	45	17	discuss	discuss	VERB
fsr-3238	45	18	cognitive	cognitive	ADJ
fsr-3238	45	19	ability	ability	NOUN
fsr-3238	45	20	and	and	CCONJ
fsr-3238	45	21	its	its	PRON
fsr-3238	45	22	relation	relation	NOUN
fsr-3238	45	23	with	with	ADP
fsr-3238	45	24	two	two	NUM
fsr-3238	45	25	important	important	ADJ
fsr-3238	45	26	decision	decision	NOUN
fsr-3238	45	27	-	-	PUNCT
fsr-3238	45	28	making	make	VERB
fsr-3238	45	29	characteristics	characteristic	NOUN
fsr-3238	45	30	:	:	PUNCT
fsr-3238	45	31	time	time	NOUN
fsr-3238	45	32	preference	preference	NOUN
fsr-3238	45	33	and	and	CCONJ
fsr-3238	45	34	risk	risk	NOUN
fsr-3238	45	35	preference	preference	NOUN
fsr-3238	45	36	.	.	PUNCT
fsr-3238	46	1	frederick	frederick	PROPN
fsr-3238	46	2	(	(	PUNCT
fsr-3238	46	3	2005	2005	NUM
fsr-3238	46	4	)	)	PUNCT
fsr-3238	46	5	uses	use	VERB
fsr-3238	46	6	the	the	DET
fsr-3238	46	7	cognitive	cognitive	ADJ
fsr-3238	46	8	reflection	reflection	NOUN
fsr-3238	46	9	test	test	NOUN
fsr-3238	46	10	(	(	PUNCT
fsr-3238	46	11	crt	crt	ADJ
fsr-3238	46	12	)	)	PUNCT
fsr-3238	46	13	score	score	NOUN
fsr-3238	46	14	as	as	ADP
fsr-3238	46	15	a	a	DET
fsr-3238	46	16	proxy	proxy	NOUN
fsr-3238	46	17	of	of	ADP
fsr-3238	46	18	the	the	DET
fsr-3238	46	19	individual	individual	NOUN
fsr-3238	46	20	’s	’s	PART
fsr-3238	46	21	cognitive	cognitive	ADJ
fsr-3238	46	22	ability	ability	NOUN
fsr-3238	46	23	,	,	PUNCT
fsr-3238	46	24	and	and	CCONJ
fsr-3238	46	25	finds	find	VERB
fsr-3238	46	26	that	that	SCONJ
fsr-3238	46	27	among	among	ADP
fsr-3238	46	28	3,428	3,428	NUM
fsr-3238	46	29	respondents	respondent	NOUN
fsr-3238	46	30	at	at	ADP
fsr-3238	46	31	various	various	ADJ
fsr-3238	46	32	universities	university	NOUN
fsr-3238	46	33	,	,	PUNCT
fsr-3238	46	34	the	the	DET
fsr-3238	46	35	higher	high	ADJ
fsr-3238	46	36	crt	crt	ADJ
fsr-3238	46	37	group	group	NOUN
fsr-3238	46	38	was	be	AUX
fsr-3238	46	39	more	more	ADV
fsr-3238	46	40	patient	patient	ADJ
fsr-3238	46	41	and	and	CCONJ
fsr-3238	46	42	willing	willing	ADJ
fsr-3238	46	43	to	to	PART
fsr-3238	46	44	take	take	VERB
fsr-3238	46	45	more	more	ADJ
fsr-3238	46	46	risks	risk	NOUN
fsr-3238	46	47	than	than	ADP
fsr-3238	46	48	those	those	PRON
fsr-3238	46	49	who	who	PRON
fsr-3238	46	50	scored	score	VERB
fsr-3238	46	51	lower	lower	ADV
fsr-3238	46	52	.	.	PUNCT
fsr-3238	47	1	similarly	similarly	ADV
fsr-3238	47	2	,	,	PUNCT
fsr-3238	47	3	dohmen	dohman	NOUN
fsr-3238	47	4	et	et	PROPN
fsr-3238	47	5	al	al	PROPN
fsr-3238	47	6	.	.	PROPN
fsr-3238	47	7	,	,	PUNCT
fsr-3238	47	8	(	(	PUNCT
fsr-3238	47	9	2010	2010	NUM
fsr-3238	47	10	)	)	PUNCT
fsr-3238	47	11	examines	examine	VERB
fsr-3238	47	12	whether	whether	SCONJ
fsr-3238	47	13	an	an	DET
fsr-3238	47	14	individual	individual	NOUN
fsr-3238	47	15	’s	’s	PART
fsr-3238	47	16	cognitive	cognitive	ADJ
fsr-3238	47	17	ability	ability	NOUN
fsr-3238	47	18	is	be	AUX
fsr-3238	47	19	related	relate	VERB
fsr-3238	47	20	to	to	ADP
fsr-3238	47	21	the	the	DET
fsr-3238	47	22	key	key	ADJ
fsr-3238	47	23	traits	trait	NOUN
fsr-3238	47	24	of	of	ADP
fsr-3238	47	25	time	time	NOUN
fsr-3238	47	26	preference	preference	NOUN
fsr-3238	47	27	and	and	CCONJ
fsr-3238	47	28	risk	risk	NOUN
fsr-3238	47	29	aversion	aversion	NOUN
fsr-3238	47	30	.	.	PUNCT
fsr-3238	48	1	from	from	ADP
fsr-3238	48	2	the	the	DET
fsr-3238	48	3	german	german	ADJ
fsr-3238	48	4	socio	socio	NOUN
fsr-3238	48	5	-	-	PUNCT
fsr-3238	48	6	economic	economic	ADJ
fsr-3238	48	7	panel	panel	NOUN
fsr-3238	48	8	(	(	PUNCT
fsr-3238	48	9	soep	soep	ADJ
fsr-3238	48	10	)	)	PUNCT
fsr-3238	48	11	dataset	dataset	NOUN
fsr-3238	48	12	,	,	PUNCT
fsr-3238	48	13	individuals	individual	NOUN
fsr-3238	48	14	with	with	ADP
fsr-3238	48	15	a	a	DET
fsr-3238	48	16	lower	low	ADJ
fsr-3238	48	17	cognitive	cognitive	ADJ
fsr-3238	48	18	ability	ability	NOUN
fsr-3238	48	19	are	be	AUX
fsr-3238	48	20	significantly	significantly	ADV
fsr-3238	48	21	more	more	ADV
fsr-3238	48	22	impatient	impatient	ADJ
fsr-3238	48	23	and	and	CCONJ
fsr-3238	48	24	more	more	ADJ
fsr-3238	48	25	risk	risk	NOUN
fsr-3238	48	26	averse	averse	ADJ
fsr-3238	48	27	.	.	PUNCT
fsr-3238	49	1	moreover	moreover	ADV
fsr-3238	49	2	,	,	PUNCT
fsr-3238	49	3	recent	recent	ADJ
fsr-3238	49	4	studies	study	NOUN
fsr-3238	49	5	find	find	VERB
fsr-3238	49	6	that	that	SCONJ
fsr-3238	49	7	cognitive	cognitive	ADJ
fsr-3238	49	8	ability	ability	NOUN
fsr-3238	49	9	plays	play	VERB
fsr-3238	49	10	an	an	DET
fsr-3238	49	11	important	important	ADJ
fsr-3238	49	12	role	role	NOUN
fsr-3238	49	13	in	in	ADP
fsr-3238	49	14	investment	investment	NOUN
fsr-3238	49	15	portfolio	portfolio	NOUN
fsr-3238	49	16	choices	choice	NOUN
fsr-3238	49	17	and	and	CCONJ
fsr-3238	49	18	stock	stock	NOUN
fsr-3238	49	19	ownership	ownership	NOUN
fsr-3238	49	20	(	(	PUNCT
fsr-3238	49	21	christelis	christelis	PROPN
fsr-3238	49	22	,	,	PUNCT
fsr-3238	49	23	jappelli	jappelli	PROPN
fsr-3238	49	24	,	,	PUNCT
fsr-3238	49	25	and	and	CCONJ
fsr-3238	49	26	padula	padula	NOUN
fsr-3238	49	27	,	,	PUNCT
fsr-3238	49	28	2010	2010	NUM
fsr-3238	49	29	;	;	PUNCT
fsr-3238	49	30	grinblatt	grinblatt	NOUN
fsr-3238	49	31	,	,	PUNCT
fsr-3238	49	32	keloharju	keloharju	NOUN
fsr-3238	49	33	,	,	PUNCT
fsr-3238	49	34	and	and	CCONJ
fsr-3238	49	35	linnainmaa	linnainmaa	NOUN
fsr-3238	49	36	,	,	PUNCT
fsr-3238	49	37	141k.t	141k.t	NUM
fsr-3238	49	38	.	.	PUNCT
fsr-3238	50	1	kim	kim	PROPN
fsr-3238	50	2	,	,	PUNCT
fsr-3238	50	3	s.d	s.d	PROPN
fsr-3238	50	4	.	.	PROPN
fsr-3238	50	5	hanna	hanna	PROPN
fsr-3238	50	6	/	/	SYM
fsr-3238	50	7	financial	financial	ADJ
fsr-3238	50	8	services	service	NOUN
fsr-3238	50	9	review	review	VERB
fsr-3238	50	10	24	24	NUM
fsr-3238	50	11	(	(	PUNCT
fsr-3238	50	12	2015	2015	NUM
fsr-3238	50	13	)	)	PUNCT
fsr-3238	50	14	139–155	139–155	NUM
fsr-3238	50	15	2011	2011	NUM
fsr-3238	50	16	)	)	PUNCT
fsr-3238	50	17	,	,	PUNCT
fsr-3238	50	18	wealth	wealth	NOUN
fsr-3238	50	19	accumulation	accumulation	NOUN
fsr-3238	50	20	(	(	PUNCT
fsr-3238	50	21	mcardle	mcardle	PROPN
fsr-3238	50	22	,	,	PUNCT
fsr-3238	50	23	smith	smith	PROPN
fsr-3238	50	24	,	,	PUNCT
fsr-3238	50	25	and	and	CCONJ
fsr-3238	50	26	willis	willis	PROPN
fsr-3238	50	27	,	,	PUNCT
fsr-3238	50	28	2011	2011	NUM
fsr-3238	50	29	)	)	PUNCT
fsr-3238	50	30	,	,	PUNCT
fsr-3238	50	31	and	and	CCONJ
fsr-3238	50	32	avoiding	avoid	VERB
fsr-3238	50	33	financial	financial	ADJ
fsr-3238	50	34	mistakes	mistake	NOUN
fsr-3238	50	35	(	(	PUNCT
fsr-3238	50	36	agarwal	agarwal	NOUN
fsr-3238	50	37	and	and	CCONJ
fsr-3238	50	38	mazumder	mazumder	NOUN
fsr-3238	50	39	,	,	PUNCT
fsr-3238	50	40	2013	2013	NUM
fsr-3238	50	41	)	)	PUNCT
fsr-3238	50	42	.	.	PUNCT
fsr-3238	51	1	2.3	2.3	NUM
fsr-3238	51	2	.	.	PUNCT
fsr-3238	51	3	self	self	NOUN
fsr-3238	51	4	-	-	PUNCT
fsr-3238	51	5	assessment	assessment	NOUN
fsr-3238	51	6	and	and	CCONJ
fsr-3238	51	7	perception	perception	NOUN
fsr-3238	51	8	of	of	ADP
fsr-3238	51	9	retirement	retirement	NOUN
fsr-3238	51	10	the	the	DET
fsr-3238	51	11	role	role	NOUN
fsr-3238	51	12	of	of	ADP
fsr-3238	51	13	cognitive	cognitive	ADJ
fsr-3238	51	14	ability	ability	NOUN
fsr-3238	51	15	on	on	ADP
fsr-3238	51	16	subjective	subjective	ADJ
fsr-3238	51	17	assessment	assessment	NOUN
fsr-3238	51	18	of	of	ADP
fsr-3238	51	19	retirement	retirement	NOUN
fsr-3238	51	20	preparedness	preparedness	NOUN
fsr-3238	51	21	has	have	AUX
fsr-3238	51	22	received	receive	VERB
fsr-3238	51	23	little	little	ADJ
fsr-3238	51	24	attention	attention	NOUN
fsr-3238	51	25	in	in	ADP
fsr-3238	51	26	previous	previous	ADJ
fsr-3238	51	27	retirement	retirement	NOUN
fsr-3238	51	28	research	research	NOUN
fsr-3238	51	29	,	,	PUNCT
fsr-3238	51	30	even	even	ADV
fsr-3238	51	31	though	though	SCONJ
fsr-3238	51	32	it	it	PRON
fsr-3238	51	33	may	may	AUX
fsr-3238	51	34	affect	affect	VERB
fsr-3238	51	35	retirement	retirement	NOUN
fsr-3238	51	36	decisions	decision	NOUN
fsr-3238	51	37	,	,	PUNCT
fsr-3238	51	38	including	include	VERB
fsr-3238	51	39	how	how	SCONJ
fsr-3238	51	40	individuals	individual	NOUN
fsr-3238	51	41	behave	behave	VERB
fsr-3238	51	42	when	when	SCONJ
fsr-3238	51	43	deciding	decide	VERB
fsr-3238	51	44	if	if	SCONJ
fsr-3238	51	45	,	,	PUNCT
fsr-3238	51	46	how	how	SCONJ
fsr-3238	51	47	,	,	PUNCT
fsr-3238	51	48	and	and	CCONJ
fsr-3238	51	49	when	when	SCONJ
fsr-3238	51	50	to	to	PART
fsr-3238	51	51	save	save	VERB
fsr-3238	51	52	for	for	ADP
fsr-3238	51	53	retirement	retirement	NOUN
fsr-3238	51	54	.	.	PUNCT
fsr-3238	52	1	with	with	ADP
fsr-3238	52	2	the	the	DET
fsr-3238	52	3	replacement	replacement	NOUN
fsr-3238	52	4	of	of	ADP
fsr-3238	52	5	traditional	traditional	ADJ
fsr-3238	52	6	defined	define	VERB
fsr-3238	52	7	benefit	benefit	NOUN
fsr-3238	52	8	(	(	PUNCT
fsr-3238	52	9	db	db	NOUN
fsr-3238	52	10	)	)	PUNCT
fsr-3238	52	11	pension	pension	NOUN
fsr-3238	52	12	plans	plan	NOUN
fsr-3238	52	13	with	with	ADP
fsr-3238	52	14	defined	define	VERB
fsr-3238	52	15	contribution	contribution	NOUN
fsr-3238	52	16	(	(	PUNCT
fsr-3238	52	17	dc	dc	PROPN
fsr-3238	52	18	)	)	PUNCT
fsr-3238	52	19	plans	plan	NOUN
fsr-3238	52	20	,	,	PUNCT
fsr-3238	52	21	an	an	DET
fsr-3238	52	22	accurate	accurate	ADJ
fsr-3238	52	23	assessment	assessment	NOUN
fsr-3238	52	24	of	of	ADP
fsr-3238	52	25	retirement	retirement	NOUN
fsr-3238	52	26	resources	resource	NOUN
fsr-3238	52	27	is	be	AUX
fsr-3238	52	28	becoming	become	VERB
fsr-3238	52	29	more	more	ADV
fsr-3238	52	30	vital	vital	ADJ
fsr-3238	52	31	in	in	ADP
fsr-3238	52	32	retirement	retirement	NOUN
fsr-3238	52	33	planning	planning	NOUN
fsr-3238	52	34	.	.	PUNCT
fsr-3238	53	1	gustman	gustman	NOUN
fsr-3238	53	2	,	,	PUNCT
fsr-3238	53	3	steinmeier	steinmeier	NOUN
fsr-3238	53	4	,	,	PUNCT
fsr-3238	53	5	and	and	CCONJ
fsr-3238	53	6	tabatabai	tabatabai	NOUN
fsr-3238	53	7	(	(	PUNCT
fsr-3238	53	8	2007	2007	NUM
fsr-3238	53	9	)	)	PUNCT
fsr-3238	53	10	report	report	NOUN
fsr-3238	53	11	that	that	SCONJ
fsr-3238	53	12	more	more	ADJ
fsr-3238	53	13	than	than	ADP
fsr-3238	53	14	a	a	DET
fsr-3238	53	15	third	third	NOUN
fsr-3238	53	16	of	of	ADP
fsr-3238	53	17	health	health	NOUN
fsr-3238	53	18	and	and	CCONJ
fsr-3238	53	19	retirement	retirement	NOUN
fsr-3238	53	20	study	study	NOUN
fsr-3238	53	21	(	(	PUNCT
fsr-3238	53	22	hrs	hrs	NOUN
fsr-3238	53	23	)	)	PUNCT
fsr-3238	53	24	respondents	respondent	NOUN
fsr-3238	53	25	can	can	AUX
fsr-3238	53	26	not	not	PART
fsr-3238	53	27	identify	identify	VERB
fsr-3238	53	28	whether	whether	SCONJ
fsr-3238	53	29	their	their	PRON
fsr-3238	53	30	pension	pension	NOUN
fsr-3238	53	31	plan	plan	NOUN
fsr-3238	53	32	is	be	AUX
fsr-3238	53	33	a	a	DET
fsr-3238	53	34	db	db	PROPN
fsr-3238	53	35	or	or	CCONJ
fsr-3238	53	36	a	a	DET
fsr-3238	53	37	dc	dc	PROPN
fsr-3238	53	38	plan	plan	NOUN
fsr-3238	53	39	.	.	PUNCT
fsr-3238	54	1	similarly	similarly	ADV
fsr-3238	54	2	,	,	PUNCT
fsr-3238	54	3	chan	chan	PROPN
fsr-3238	54	4	and	and	CCONJ
fsr-3238	54	5	stevens	stevens	PROPN
fsr-3238	54	6	(	(	PUNCT
fsr-3238	54	7	2008	2008	NUM
fsr-3238	54	8	)	)	PUNCT
fsr-3238	54	9	find	find	VERB
fsr-3238	54	10	that	that	SCONJ
fsr-3238	54	11	many	many	ADJ
fsr-3238	54	12	respondents	respondent	NOUN
fsr-3238	54	13	in	in	ADP
fsr-3238	54	14	the	the	DET
fsr-3238	54	15	hrs	hrs	NOUN
fsr-3238	54	16	with	with	ADP
fsr-3238	54	17	db	db	PROPN
fsr-3238	54	18	or	or	CCONJ
fsr-3238	54	19	dc	dc	PROPN
fsr-3238	54	20	pension	pension	NOUN
fsr-3238	54	21	plan	plan	NOUN
fsr-3238	54	22	do	do	AUX
fsr-3238	54	23	not	not	PART
fsr-3238	54	24	know	know	VERB
fsr-3238	54	25	key	key	ADJ
fsr-3238	54	26	components	component	NOUN
fsr-3238	54	27	of	of	ADP
fsr-3238	54	28	their	their	PRON
fsr-3238	54	29	pension	pension	NOUN
fsr-3238	54	30	plan	plan	NOUN
fsr-3238	54	31	,	,	PUNCT
fsr-3238	54	32	such	such	ADJ
fsr-3238	54	33	as	as	ADP
fsr-3238	54	34	normal	normal	ADJ
fsr-3238	54	35	or	or	CCONJ
fsr-3238	54	36	early	early	ADJ
fsr-3238	54	37	age	age	NOUN
fsr-3238	54	38	for	for	ADP
fsr-3238	54	39	db	db	PROPN
fsr-3238	54	40	plans	plan	NOUN
fsr-3238	54	41	and	and	CCONJ
fsr-3238	54	42	annual	annual	ADJ
fsr-3238	54	43	contribution	contribution	NOUN
fsr-3238	54	44	amount	amount	NOUN
fsr-3238	54	45	for	for	ADP
fsr-3238	54	46	dc	dc	PROPN
fsr-3238	54	47	plans	plan	NOUN
fsr-3238	54	48	,	,	PUNCT
fsr-3238	54	49	and	and	CCONJ
fsr-3238	54	50	there	there	PRON
fsr-3238	54	51	is	be	VERB
fsr-3238	54	52	substantial	substantial	ADJ
fsr-3238	54	53	discrepancy	discrepancy	NOUN
fsr-3238	54	54	of	of	ADP
fsr-3238	54	55	pension	pension	NOUN
fsr-3238	54	56	details	detail	NOUN
fsr-3238	54	57	between	between	ADP
fsr-3238	54	58	self	self	NOUN
fsr-3238	54	59	-	-	PUNCT
fsr-3238	54	60	reported	report	VERB
fsr-3238	54	61	and	and	CCONJ
fsr-3238	54	62	employer	employer	NOUN
fsr-3238	54	63	reported	report	VERB
fsr-3238	54	64	data	datum	NOUN
fsr-3238	54	65	.	.	PUNCT
fsr-3238	55	1	lusardi	lusardi	PROPN
fsr-3238	55	2	and	and	CCONJ
fsr-3238	55	3	mitchell	mitchell	PROPN
fsr-3238	55	4	(	(	PUNCT
fsr-3238	55	5	2011	2011	NUM
fsr-3238	55	6	)	)	PUNCT
fsr-3238	55	7	conclude	conclude	VERB
fsr-3238	55	8	that	that	DET
fsr-3238	55	9	lack	lack	NOUN
fsr-3238	55	10	of	of	ADP
fsr-3238	55	11	financial	financial	ADJ
fsr-3238	55	12	literacy	literacy	NOUN
fsr-3238	55	13	and	and	CCONJ
fsr-3238	55	14	financial	financial	ADJ
fsr-3238	55	15	sophistication	sophistication	NOUN
fsr-3238	55	16	are	be	AUX
fsr-3238	55	17	critical	critical	ADJ
fsr-3238	55	18	in	in	ADP
fsr-3238	55	19	retirement	retirement	NOUN
fsr-3238	55	20	planning	planning	NOUN
fsr-3238	55	21	,	,	PUNCT
fsr-3238	55	22	and	and	CCONJ
fsr-3238	55	23	fornero	fornero	NOUN
fsr-3238	55	24	and	and	CCONJ
fsr-3238	55	25	monticone	monticone	NOUN
fsr-3238	55	26	(	(	PUNCT
fsr-3238	55	27	2011	2011	NUM
fsr-3238	55	28	)	)	PUNCT
fsr-3238	55	29	find	find	VERB
fsr-3238	55	30	that	that	SCONJ
fsr-3238	55	31	more	more	ADV
fsr-3238	55	32	financially	financially	ADV
fsr-3238	55	33	knowledgeable	knowledgeable	ADJ
fsr-3238	55	34	people	people	NOUN
fsr-3238	55	35	are	be	AUX
fsr-3238	55	36	more	more	ADV
fsr-3238	55	37	likely	likely	ADJ
fsr-3238	55	38	to	to	PART
fsr-3238	55	39	participate	participate	VERB
fsr-3238	55	40	in	in	ADP
fsr-3238	55	41	retirement	retirement	NOUN
fsr-3238	55	42	plans	plan	NOUN
fsr-3238	55	43	.	.	PUNCT
fsr-3238	56	1	cummings	cummings	PROPN
fsr-3238	56	2	,	,	PUNCT
fsr-3238	56	3	finke	finke	PROPN
fsr-3238	56	4	,	,	PUNCT
fsr-3238	56	5	and	and	CCONJ
fsr-3238	56	6	james	james	PROPN
fsr-3238	56	7	(	(	PUNCT
fsr-3238	56	8	2011	2011	NUM
fsr-3238	56	9	)	)	PUNCT
fsr-3238	56	10	report	report	NOUN
fsr-3238	56	11	that	that	SCONJ
fsr-3238	56	12	respondents	respondent	NOUN
fsr-3238	56	13	with	with	ADP
fsr-3238	56	14	higher	high	ADJ
fsr-3238	56	15	cognitive	cognitive	ADJ
fsr-3238	56	16	ability	ability	NOUN
fsr-3238	56	17	are	be	AUX
fsr-3238	56	18	more	more	ADV
fsr-3238	56	19	likely	likely	ADJ
fsr-3238	56	20	to	to	PART
fsr-3238	56	21	own	own	VERB
fsr-3238	56	22	a	a	DET
fsr-3238	56	23	roth	roth	NOUN
fsr-3238	56	24	ira	ira	PROPN
fsr-3238	56	25	and	and	CCONJ
fsr-3238	56	26	adopt	adopt	VERB
fsr-3238	56	27	it	it	PRON
fsr-3238	56	28	early	early	ADV
fsr-3238	56	29	.	.	PUNCT
fsr-3238	57	1	in	in	ADP
fsr-3238	57	2	addition	addition	NOUN
fsr-3238	57	3	to	to	ADP
fsr-3238	57	4	assessing	assess	VERB
fsr-3238	57	5	how	how	SCONJ
fsr-3238	57	6	workers	worker	NOUN
fsr-3238	57	7	are	be	AUX
fsr-3238	57	8	currently	currently	ADV
fsr-3238	57	9	preparing	prepare	VERB
fsr-3238	57	10	for	for	ADP
fsr-3238	57	11	retirement	retirement	NOUN
fsr-3238	57	12	,	,	PUNCT
fsr-3238	57	13	it	it	PRON
fsr-3238	57	14	is	be	AUX
fsr-3238	57	15	also	also	ADV
fsr-3238	57	16	essential	essential	ADJ
fsr-3238	57	17	to	to	PART
fsr-3238	57	18	investigate	investigate	VERB
fsr-3238	57	19	how	how	SCONJ
fsr-3238	57	20	they	they	PRON
fsr-3238	57	21	perceive	perceive	VERB
fsr-3238	57	22	their	their	PRON
fsr-3238	57	23	retirement	retirement	NOUN
fsr-3238	57	24	preparedness	preparedness	NOUN
fsr-3238	57	25	.	.	PUNCT
fsr-3238	58	1	glamser	glamser	NOUN
fsr-3238	58	2	(	(	PUNCT
fsr-3238	58	3	1976	1976	NUM
fsr-3238	58	4	)	)	PUNCT
fsr-3238	58	5	,	,	PUNCT
fsr-3238	58	6	and	and	CCONJ
fsr-3238	58	7	kilty	kilty	PROPN
fsr-3238	58	8	and	and	CCONJ
fsr-3238	58	9	behling	behling	NOUN
fsr-3238	58	10	(	(	PUNCT
fsr-3238	58	11	1985	1985	NUM
fsr-3238	58	12	)	)	PUNCT
fsr-3238	58	13	find	find	VERB
fsr-3238	58	14	a	a	DET
fsr-3238	58	15	positive	positive	ADJ
fsr-3238	58	16	link	link	NOUN
fsr-3238	58	17	between	between	ADP
fsr-3238	58	18	perceptions	perception	NOUN
fsr-3238	58	19	of	of	ADP
fsr-3238	58	20	retirement	retirement	NOUN
fsr-3238	58	21	and	and	CCONJ
fsr-3238	58	22	actual	actual	ADJ
fsr-3238	58	23	retirement	retirement	NOUN
fsr-3238	58	24	planning	planning	NOUN
fsr-3238	58	25	.	.	PUNCT
fsr-3238	59	1	joo	joo	PROPN
fsr-3238	59	2	and	and	CCONJ
fsr-3238	59	3	grable	grable	PROPN
fsr-3238	59	4	(	(	PUNCT
fsr-3238	59	5	2001	2001	NUM
fsr-3238	59	6	)	)	PUNCT
fsr-3238	59	7	report	report	NOUN
fsr-3238	59	8	that	that	SCONJ
fsr-3238	59	9	workers	worker	NOUN
fsr-3238	59	10	with	with	ADP
fsr-3238	59	11	positive	positive	ADJ
fsr-3238	59	12	and	and	CCONJ
fsr-3238	59	13	proactive	proactive	ADJ
fsr-3238	59	14	attitudes	attitude	NOUN
fsr-3238	59	15	toward	toward	ADP
fsr-3238	59	16	retirement	retirement	NOUN
fsr-3238	59	17	are	be	AUX
fsr-3238	59	18	more	more	ADV
fsr-3238	59	19	likely	likely	ADJ
fsr-3238	59	20	to	to	PART
fsr-3238	59	21	use	use	VERB
fsr-3238	59	22	retirement	retirement	NOUN
fsr-3238	59	23	planning	planning	NOUN
fsr-3238	59	24	advice	advice	NOUN
fsr-3238	59	25	from	from	ADP
fsr-3238	59	26	a	a	DET
fsr-3238	59	27	financial	financial	ADJ
fsr-3238	59	28	professional	professional	NOUN
fsr-3238	59	29	.	.	PUNCT
fsr-3238	60	1	however	however	ADV
fsr-3238	60	2	,	,	PUNCT
fsr-3238	60	3	relatively	relatively	ADV
fsr-3238	60	4	little	little	ADJ
fsr-3238	60	5	research	research	NOUN
fsr-3238	60	6	on	on	ADP
fsr-3238	60	7	the	the	DET
fsr-3238	60	8	impact	impact	NOUN
fsr-3238	60	9	of	of	ADP
fsr-3238	60	10	retirement	retirement	NOUN
fsr-3238	60	11	perception	perception	NOUN
fsr-3238	60	12	on	on	ADP
fsr-3238	60	13	retirement	retirement	NOUN
fsr-3238	60	14	adequacy	adequacy	NOUN
fsr-3238	60	15	has	have	AUX
fsr-3238	60	16	been	be	AUX
fsr-3238	60	17	conducted	conduct	VERB
fsr-3238	60	18	.	.	PUNCT
fsr-3238	61	1	malroutu	malroutu	NOUN
fsr-3238	61	2	and	and	CCONJ
fsr-3238	61	3	xiao	xiao	PROPN
fsr-3238	61	4	(	(	PUNCT
fsr-3238	61	5	1995	1995	NUM
fsr-3238	61	6	)	)	PUNCT
fsr-3238	61	7	examine	examine	VERB
fsr-3238	61	8	pre	pre	NOUN
fsr-3238	61	9	-	-	NOUN
fsr-3238	61	10	retirees	retiree	NOUN
fsr-3238	61	11	’	'	PUNCT
fsr-3238	61	12	(	(	PUNCT
fsr-3238	61	13	age	age	NOUN
fsr-3238	61	14	65	65	NUM
fsr-3238	61	15	or	or	CCONJ
fsr-3238	61	16	younger	young	ADJ
fsr-3238	61	17	)	)	PUNCT
fsr-3238	61	18	perception	perception	NOUN
fsr-3238	61	19	of	of	ADP
fsr-3238	61	20	having	have	VERB
fsr-3238	61	21	adequate	adequate	ADJ
fsr-3238	61	22	retirement	retirement	NOUN
fsr-3238	61	23	income	income	NOUN
fsr-3238	61	24	by	by	ADP
fsr-3238	61	25	using	use	VERB
fsr-3238	61	26	the	the	DET
fsr-3238	61	27	1989	1989	NUM
fsr-3238	61	28	scf	scf	PROPN
fsr-3238	61	29	.	.	PUNCT
fsr-3238	62	1	about	about	ADV
fsr-3238	62	2	39	39	NUM
fsr-3238	62	3	%	%	NOUN
fsr-3238	62	4	of	of	ADP
fsr-3238	62	5	pre	pre	ADJ
fsr-3238	62	6	-	-	NOUN
fsr-3238	62	7	retirees	retiree	NOUN
fsr-3238	62	8	answer	answer	VERB
fsr-3238	62	9	that	that	SCONJ
fsr-3238	62	10	they	they	PRON
fsr-3238	62	11	would	would	AUX
fsr-3238	62	12	have	have	VERB
fsr-3238	62	13	adequate	adequate	ADJ
fsr-3238	62	14	retirement	retirement	NOUN
fsr-3238	62	15	income	income	NOUN
fsr-3238	62	16	.	.	PUNCT
fsr-3238	63	1	younger	young	ADJ
fsr-3238	63	2	respondents	respondent	NOUN
fsr-3238	63	3	,	,	PUNCT
fsr-3238	63	4	females	female	NOUN
fsr-3238	63	5	,	,	PUNCT
fsr-3238	63	6	whites	white	NOUN
fsr-3238	63	7	,	,	PUNCT
fsr-3238	63	8	households	household	NOUN
fsr-3238	63	9	with	with	ADP
fsr-3238	63	10	relatively	relatively	ADV
fsr-3238	63	11	low	low	ADJ
fsr-3238	63	12	incomes	income	NOUN
fsr-3238	63	13	and	and	CCONJ
fsr-3238	63	14	selfemployed	selfemploye	VERB
fsr-3238	63	15	are	be	AUX
fsr-3238	63	16	less	less	ADV
fsr-3238	63	17	likely	likely	ADJ
fsr-3238	63	18	to	to	PART
fsr-3238	63	19	perceive	perceive	VERB
fsr-3238	63	20	having	have	VERB
fsr-3238	63	21	adequate	adequate	ADJ
fsr-3238	63	22	retirement	retirement	NOUN
fsr-3238	63	23	income	income	NOUN
fsr-3238	63	24	.	.	PUNCT
fsr-3238	64	1	munnell	munnell	PROPN
fsr-3238	64	2	,	,	PUNCT
fsr-3238	64	3	golub	golub	NOUN
fsr-3238	64	4	-	-	PUNCT
fsr-3238	64	5	sass	sas	VERB
fsr-3238	64	6	,	,	PUNCT
fsr-3238	64	7	soto	soto	NOUN
fsr-3238	64	8	,	,	PUNCT
fsr-3238	64	9	and	and	CCONJ
fsr-3238	64	10	webb	webb	PROPN
fsr-3238	64	11	(	(	PUNCT
fsr-3238	64	12	2008	2008	NUM
fsr-3238	64	13	)	)	PUNCT
fsr-3238	64	14	investigate	investigate	VERB
fsr-3238	64	15	the	the	DET
fsr-3238	64	16	accuracy	accuracy	NOUN
fsr-3238	64	17	of	of	ADP
fsr-3238	64	18	self	self	NOUN
fsr-3238	64	19	-	-	PUNCT
fsr-3238	64	20	assessment	assessment	NOUN
fsr-3238	64	21	about	about	ADP
fsr-3238	64	22	retirement	retirement	NOUN
fsr-3238	64	23	security	security	NOUN
fsr-3238	64	24	.	.	PUNCT
fsr-3238	65	1	the	the	DET
fsr-3238	65	2	national	national	PROPN
fsr-3238	65	3	retirement	retirement	PROPN
fsr-3238	65	4	risk	risk	NOUN
fsr-3238	65	5	index	index	NOUN
fsr-3238	65	6	(	(	PUNCT
fsr-3238	65	7	nrri	nrri	NOUN
fsr-3238	65	8	)	)	PUNCT
fsr-3238	65	9	provides	provide	VERB
fsr-3238	65	10	an	an	DET
fsr-3238	65	11	objective	objective	ADJ
fsr-3238	65	12	measurement	measurement	NOUN
fsr-3238	65	13	of	of	ADP
fsr-3238	65	14	retirement	retirement	NOUN
fsr-3238	65	15	security	security	NOUN
fsr-3238	65	16	,	,	PUNCT
fsr-3238	65	17	which	which	PRON
fsr-3238	65	18	is	be	AUX
fsr-3238	65	19	the	the	DET
fsr-3238	65	20	percentage	percentage	NOUN
fsr-3238	65	21	of	of	ADP
fsr-3238	65	22	households	household	NOUN
fsr-3238	65	23	are	be	AUX
fsr-3238	65	24	at	at	ADP
fsr-3238	65	25	risk	risk	NOUN
fsr-3238	65	26	of	of	ADP
fsr-3238	65	27	being	be	AUX
fsr-3238	65	28	unable	unable	ADJ
fsr-3238	65	29	to	to	PART
fsr-3238	65	30	maintain	maintain	VERB
fsr-3238	65	31	their	their	PRON
fsr-3238	65	32	standard	standard	NOUN
fsr-3238	65	33	of	of	ADP
fsr-3238	65	34	living	live	VERB
fsr-3238	65	35	in	in	ADP
fsr-3238	65	36	retirement	retirement	NOUN
fsr-3238	65	37	.	.	PUNCT
fsr-3238	66	1	in	in	ADP
fsr-3238	66	2	the	the	DET
fsr-3238	66	3	2004	2004	NUM
fsr-3238	66	4	survey	survey	NOUN
fsr-3238	66	5	of	of	ADP
fsr-3238	66	6	consumer	consumer	NOUN
fsr-3238	66	7	finances	finance	NOUN
fsr-3238	66	8	,	,	PUNCT
fsr-3238	66	9	about	about	ADV
fsr-3238	66	10	60	60	NUM
fsr-3238	66	11	%	%	NOUN
fsr-3238	66	12	of	of	ADP
fsr-3238	66	13	households	household	NOUN
fsr-3238	66	14	have	have	VERB
fsr-3238	66	15	a	a	DET
fsr-3238	66	16	good	good	ADJ
fsr-3238	66	17	sense	sense	NOUN
fsr-3238	66	18	of	of	ADP
fsr-3238	66	19	their	their	PRON
fsr-3238	66	20	retirement	retirement	NOUN
fsr-3238	66	21	security	security	NOUN
fsr-3238	66	22	.	.	PUNCT
fsr-3238	67	1	munnell	munnell	PROPN
fsr-3238	67	2	et	et	PROPN
fsr-3238	67	3	al	al	PROPN
fsr-3238	67	4	.	.	PUNCT
fsr-3238	68	1	(	(	PUNCT
fsr-3238	68	2	2008	2008	NUM
fsr-3238	68	3	)	)	PUNCT
fsr-3238	68	4	focus	focus	VERB
fsr-3238	68	5	on	on	ADP
fsr-3238	68	6	households	household	NOUN
fsr-3238	68	7	whose	whose	DET
fsr-3238	68	8	self	self	NOUN
fsr-3238	68	9	-	-	PUNCT
fsr-3238	68	10	assessment	assessment	NOUN
fsr-3238	68	11	is	be	AUX
fsr-3238	68	12	inconsistent	inconsistent	ADJ
fsr-3238	68	13	with	with	ADP
fsr-3238	68	14	the	the	DET
fsr-3238	68	15	nrri	nrri	NOUN
fsr-3238	68	16	.	.	PUNCT
fsr-3238	69	1	households	household	NOUN
fsr-3238	69	2	owning	own	VERB
fsr-3238	69	3	a	a	DET
fsr-3238	69	4	home	home	NOUN
fsr-3238	69	5	,	,	PUNCT
fsr-3238	69	6	having	have	VERB
fsr-3238	69	7	college	college	NOUN
fsr-3238	69	8	degree	degree	NOUN
fsr-3238	69	9	,	,	PUNCT
fsr-3238	69	10	unwilling	unwilling	ADJ
fsr-3238	69	11	to	to	PART
fsr-3238	69	12	take	take	VERB
fsr-3238	69	13	risk	risk	NOUN
fsr-3238	69	14	and	and	CCONJ
fsr-3238	69	15	those	those	PRON
fsr-3238	69	16	with	with	ADP
fsr-3238	69	17	one	one	NUM
fsr-3238	69	18	-	-	PUNCT
fsr-3238	69	19	earner	earner	NOUN
fsr-3238	69	20	have	have	VERB
fsr-3238	69	21	higher	high	ADJ
fsr-3238	69	22	probabilities	probability	NOUN
fsr-3238	69	23	of	of	ADP
fsr-3238	69	24	being	be	AUX
fsr-3238	69	25	in	in	ADP
fsr-3238	69	26	the	the	DET
fsr-3238	69	27	“	"	PUNCT
fsr-3238	69	28	too	too	ADV
fsr-3238	69	29	worried	worried	ADJ
fsr-3238	69	30	”	"	PUNCT
fsr-3238	69	31	group	group	NOUN
fsr-3238	69	32	compared	compare	VERB
fsr-3238	69	33	with	with	ADP
fsr-3238	69	34	being	be	AUX
fsr-3238	69	35	appropriately	appropriately	ADV
fsr-3238	69	36	worried	worry	VERB
fsr-3238	69	37	.	.	PUNCT
fsr-3238	70	1	renters	renter	NOUN
fsr-3238	70	2	,	,	PUNCT
fsr-3238	70	3	those	those	PRON
fsr-3238	70	4	with	with	ADP
fsr-3238	70	5	less	less	ADJ
fsr-3238	70	6	than	than	ADP
fsr-3238	70	7	a	a	DET
fsr-3238	70	8	college	college	NOUN
fsr-3238	70	9	education	education	NOUN
fsr-3238	70	10	,	,	PUNCT
fsr-3238	70	11	those	those	PRON
fsr-3238	70	12	lacking	lack	VERB
fsr-3238	70	13	a	a	DET
fsr-3238	70	14	defined	define	VERB
fsr-3238	70	15	benefit	benefit	NOUN
fsr-3238	70	16	plan	plan	NOUN
fsr-3238	70	17	,	,	PUNCT
fsr-3238	70	18	those	those	PRON
fsr-3238	70	19	with	with	ADP
fsr-3238	70	20	poor	poor	ADJ
fsr-3238	70	21	health	health	NOUN
fsr-3238	70	22	and	and	CCONJ
fsr-3238	70	23	those	those	PRON
fsr-3238	70	24	willing	willing	ADJ
fsr-3238	70	25	to	to	PART
fsr-3238	70	26	take	take	VERB
fsr-3238	70	27	some	some	DET
fsr-3238	70	28	risk	risk	NOUN
fsr-3238	70	29	are	be	AUX
fsr-3238	70	30	more	more	ADV
fsr-3238	70	31	142	142	NUM
fsr-3238	70	32	k.t	k.t	PROPN
fsr-3238	70	33	.	.	PUNCT
fsr-3238	71	1	kim	kim	PROPN
fsr-3238	71	2	,	,	PUNCT
fsr-3238	71	3	s.d	s.d	PROPN
fsr-3238	71	4	.	.	PROPN
fsr-3238	71	5	hanna	hanna	PROPN
fsr-3238	71	6	/	/	SYM
fsr-3238	71	7	financial	financial	ADJ
fsr-3238	71	8	services	service	NOUN
fsr-3238	71	9	review	review	VERB
fsr-3238	71	10	24	24	NUM
fsr-3238	71	11	(	(	PUNCT
fsr-3238	71	12	2015	2015	NUM
fsr-3238	71	13	)	)	PUNCT
fsr-3238	72	1	139–155	139–155	NUM
fsr-3238	72	2	likely	likely	ADJ
fsr-3238	72	3	to	to	PART
fsr-3238	72	4	be	be	AUX
fsr-3238	72	5	in	in	ADP
fsr-3238	72	6	the	the	DET
fsr-3238	72	7	“	"	PUNCT
fsr-3238	72	8	not	not	PART
fsr-3238	72	9	worried	worry	VERB
fsr-3238	72	10	enough	enough	ADJ
fsr-3238	72	11	”	"	PUNCT
fsr-3238	72	12	group	group	NOUN
fsr-3238	72	13	compared	compare	VERB
fsr-3238	72	14	with	with	ADP
fsr-3238	72	15	being	be	AUX
fsr-3238	72	16	appropriately	appropriately	ADV
fsr-3238	72	17	not	not	PART
fsr-3238	72	18	worried	worried	ADJ
fsr-3238	72	19	.	.	PUNCT
fsr-3238	73	1	2.4	2.4	NUM
fsr-3238	73	2	.	.	PUNCT
fsr-3238	73	3	retirement	retirement	NOUN
fsr-3238	73	4	adequacy	adequacy	NOUN
fsr-3238	73	5	hanna	hanna	PROPN
fsr-3238	73	6	and	and	CCONJ
fsr-3238	73	7	chen	chen	PROPN
fsr-3238	73	8	(	(	PUNCT
fsr-3238	73	9	2008	2008	NUM
fsr-3238	73	10	)	)	PUNCT
fsr-3238	73	11	report	report	NOUN
fsr-3238	73	12	that	that	SCONJ
fsr-3238	73	13	previous	previous	ADJ
fsr-3238	73	14	research	research	NOUN
fsr-3238	73	15	studies	study	NOUN
fsr-3238	73	16	on	on	ADP
fsr-3238	73	17	the	the	DET
fsr-3238	73	18	projected	project	VERB
fsr-3238	73	19	retirement	retirement	NOUN
fsr-3238	73	20	adequacy	adequacy	NOUN
fsr-3238	73	21	of	of	ADP
fsr-3238	73	22	working	work	VERB
fsr-3238	73	23	households	household	NOUN
fsr-3238	73	24	have	have	AUX
fsr-3238	73	25	produced	produce	VERB
fsr-3238	73	26	a	a	DET
fsr-3238	73	27	wide	wide	ADJ
fsr-3238	73	28	range	range	NOUN
fsr-3238	73	29	of	of	ADP
fsr-3238	73	30	estimates	estimate	NOUN
fsr-3238	73	31	,	,	PUNCT
fsr-3238	73	32	from	from	ADP
fsr-3238	73	33	31	31	NUM
fsr-3238	73	34	%	%	NOUN
fsr-3238	73	35	to	to	PART
fsr-3238	73	36	80	80	NUM
fsr-3238	73	37	%	%	NOUN
fsr-3238	73	38	having	have	VERB
fsr-3238	73	39	an	an	DET
fsr-3238	73	40	adequate	adequate	ADJ
fsr-3238	73	41	retirement	retirement	NOUN
fsr-3238	73	42	.	.	PUNCT
fsr-3238	74	1	however	however	ADV
fsr-3238	74	2	,	,	PUNCT
fsr-3238	74	3	studies	study	NOUN
fsr-3238	74	4	using	use	VERB
fsr-3238	74	5	the	the	DET
fsr-3238	74	6	survey	survey	NOUN
fsr-3238	74	7	of	of	ADP
fsr-3238	74	8	consumer	consumer	NOUN
fsr-3238	74	9	finances	finance	NOUN
fsr-3238	74	10	(	(	PUNCT
fsr-3238	74	11	scf	scf	PROPN
fsr-3238	74	12	)	)	PUNCT
fsr-3238	74	13	have	have	VERB
fsr-3238	74	14	a	a	DET
fsr-3238	74	15	narrower	narrow	ADJ
fsr-3238	74	16	range	range	NOUN
fsr-3238	74	17	of	of	ADP
fsr-3238	74	18	estimates	estimate	NOUN
fsr-3238	74	19	.	.	PUNCT
fsr-3238	75	1	yuh	yuh	PROPN
fsr-3238	75	2	,	,	PUNCT
fsr-3238	75	3	hanna	hanna	PROPN
fsr-3238	75	4	,	,	PUNCT
fsr-3238	75	5	and	and	CCONJ
fsr-3238	75	6	montalto	montalto	PROPN
fsr-3238	75	7	(	(	PUNCT
fsr-3238	75	8	1998	1998	NUM
fsr-3238	75	9	)	)	PUNCT
fsr-3238	75	10	conclude	conclude	VERB
fsr-3238	75	11	that	that	SCONJ
fsr-3238	75	12	about	about	ADV
fsr-3238	75	13	52	52	NUM
fsr-3238	75	14	%	%	NOUN
fsr-3238	75	15	of	of	ADP
fsr-3238	75	16	households	household	NOUN
fsr-3238	75	17	in	in	ADP
fsr-3238	75	18	1995	1995	NUM
fsr-3238	75	19	would	would	AUX
fsr-3238	75	20	have	have	VERB
fsr-3238	75	21	enough	enough	ADJ
fsr-3238	75	22	assets	asset	NOUN
fsr-3238	75	23	and	and	CCONJ
fsr-3238	75	24	income	income	NOUN
fsr-3238	75	25	for	for	ADP
fsr-3238	75	26	retirement	retirement	NOUN
fsr-3238	75	27	assuming	assume	VERB
fsr-3238	75	28	investment	investment	NOUN
fsr-3238	75	29	assets	asset	NOUN
fsr-3238	75	30	earn	earn	VERB
fsr-3238	75	31	historical	historical	ADJ
fsr-3238	75	32	mean	mean	NOUN
fsr-3238	75	33	returns	return	NOUN
fsr-3238	75	34	,	,	PUNCT
fsr-3238	75	35	but	but	CCONJ
fsr-3238	75	36	,	,	PUNCT
fsr-3238	75	37	based	base	VERB
fsr-3238	75	38	on	on	ADP
fsr-3238	75	39	pessimistic	pessimistic	ADJ
fsr-3238	75	40	projection	projection	NOUN
fsr-3238	75	41	of	of	ADP
fsr-3238	75	42	investment	investment	NOUN
fsr-3238	75	43	returns	return	NOUN
fsr-3238	75	44	,	,	PUNCT
fsr-3238	75	45	only	only	ADV
fsr-3238	75	46	42	42	NUM
fsr-3238	75	47	%	%	NOUN
fsr-3238	75	48	would	would	AUX
fsr-3238	75	49	have	have	VERB
fsr-3238	75	50	adequacy	adequacy	NOUN
fsr-3238	75	51	.	.	PUNCT
fsr-3238	76	1	yuh	yuh	PROPN
fsr-3238	76	2	(	(	PUNCT
fsr-3238	76	3	2011	2011	NUM
fsr-3238	76	4	)	)	PUNCT
fsr-3238	76	5	reports	report	VERB
fsr-3238	76	6	that	that	SCONJ
fsr-3238	76	7	56	56	NUM
fsr-3238	76	8	%	%	NOUN
fsr-3238	76	9	of	of	ADP
fsr-3238	76	10	pre	pre	ADJ
fsr-3238	76	11	-	-	ADJ
fsr-3238	76	12	retired	retired	ADJ
fsr-3238	76	13	households	household	NOUN
fsr-3238	76	14	in	in	ADP
fsr-3238	76	15	2004	2004	NUM
fsr-3238	76	16	would	would	AUX
fsr-3238	76	17	be	be	AUX
fsr-3238	76	18	able	able	ADJ
fsr-3238	76	19	to	to	PART
fsr-3238	76	20	maintain	maintain	VERB
fsr-3238	76	21	70	70	NUM
fsr-3238	76	22	%	%	NOUN
fsr-3238	76	23	of	of	ADP
fsr-3238	76	24	permanent	permanent	ADJ
fsr-3238	76	25	income	income	NOUN
fsr-3238	76	26	in	in	ADP
fsr-3238	76	27	retirement	retirement	NOUN
fsr-3238	76	28	.	.	PUNCT
fsr-3238	77	1	kim	kim	PROPN
fsr-3238	77	2	and	and	CCONJ
fsr-3238	77	3	hanna	hanna	PROPN
fsr-3238	77	4	(	(	PUNCT
fsr-3238	77	5	2013	2013	NUM
fsr-3238	77	6	)	)	PUNCT
fsr-3238	77	7	find	find	VERB
fsr-3238	77	8	that	that	SCONJ
fsr-3238	77	9	about	about	ADV
fsr-3238	77	10	42	42	NUM
fsr-3238	77	11	%	%	NOUN
fsr-3238	77	12	of	of	ADP
fsr-3238	77	13	working	work	VERB
fsr-3238	77	14	households	household	NOUN
fsr-3238	77	15	in	in	ADP
fsr-3238	77	16	the	the	DET
fsr-3238	77	17	2010	2010	NUM
fsr-3238	77	18	scf	scf	NOUN
fsr-3238	77	19	are	be	AUX
fsr-3238	77	20	adequately	adequately	ADV
fsr-3238	77	21	prepared	prepare	VERB
fsr-3238	77	22	for	for	ADP
fsr-3238	77	23	retirement	retirement	NOUN
fsr-3238	77	24	,	,	PUNCT
fsr-3238	77	25	based	base	VERB
fsr-3238	77	26	on	on	ADP
fsr-3238	77	27	mean	mean	PROPN
fsr-3238	77	28	projection	projection	NOUN
fsr-3238	77	29	of	of	ADP
fsr-3238	77	30	investment	investment	NOUN
fsr-3238	77	31	returns	return	NOUN
fsr-3238	77	32	.	.	PUNCT
fsr-3238	78	1	3	3	X
fsr-3238	78	2	.	.	X
fsr-3238	78	3	methodology	methodology	NOUN
fsr-3238	78	4	3.1	3.1	NUM
fsr-3238	78	5	.	.	PUNCT
fsr-3238	79	1	data	datum	NOUN
fsr-3238	79	2	and	and	CCONJ
fsr-3238	79	3	sample	sample	NOUN
fsr-3238	79	4	selection	selection	NOUN
fsr-3238	79	5	we	we	PRON
fsr-3238	79	6	use	use	VERB
fsr-3238	79	7	the	the	DET
fsr-3238	79	8	2010	2010	NUM
fsr-3238	79	9	survey	survey	NOUN
fsr-3238	79	10	of	of	ADP
fsr-3238	79	11	consumer	consumer	NOUN
fsr-3238	79	12	finances	finance	NOUN
fsr-3238	79	13	(	(	PUNCT
fsr-3238	79	14	scf	scf	PROPN
fsr-3238	79	15	)	)	PUNCT
fsr-3238	79	16	dataset	dataset	NOUN
fsr-3238	79	17	,	,	PUNCT
fsr-3238	79	18	a	a	DET
fsr-3238	79	19	cross	cross	ADJ
fsr-3238	79	20	-	-	ADJ
fsr-3238	79	21	sectional	sectional	ADJ
fsr-3238	79	22	dataset	dataset	NOUN
fsr-3238	79	23	sponsored	sponsor	VERB
fsr-3238	79	24	by	by	ADP
fsr-3238	79	25	the	the	DET
fsr-3238	79	26	federal	federal	PROPN
fsr-3238	79	27	reserve	reserve	PROPN
fsr-3238	79	28	board	board	PROPN
fsr-3238	79	29	.	.	PUNCT
fsr-3238	80	1	the	the	DET
fsr-3238	80	2	scf	scf	PROPN
fsr-3238	80	3	provides	provide	VERB
fsr-3238	80	4	comprehensive	comprehensive	ADJ
fsr-3238	80	5	and	and	CCONJ
fsr-3238	80	6	detailed	detailed	ADJ
fsr-3238	80	7	information	information	NOUN
fsr-3238	80	8	on	on	ADP
fsr-3238	80	9	the	the	DET
fsr-3238	80	10	financial	financial	ADJ
fsr-3238	80	11	status	status	NOUN
fsr-3238	80	12	of	of	ADP
fsr-3238	80	13	u.s	u.s	PROPN
fsr-3238	80	14	.	.	PROPN
fsr-3238	80	15	households	household	NOUN
fsr-3238	80	16	(	(	PUNCT
fsr-3238	80	17	bricker	bricker	NOUN
fsr-3238	80	18	,	,	PUNCT
fsr-3238	80	19	kennickell	kennickell	PROPN
fsr-3238	80	20	,	,	PUNCT
fsr-3238	80	21	moore	moore	PROPN
fsr-3238	80	22	,	,	PUNCT
fsr-3238	80	23	and	and	CCONJ
fsr-3238	80	24	sabelhaus	sabelhaus	NOUN
fsr-3238	80	25	,	,	PUNCT
fsr-3238	80	26	2012	2012	NUM
fsr-3238	80	27	)	)	PUNCT
fsr-3238	80	28	.	.	PUNCT
fsr-3238	81	1	our	our	PRON
fsr-3238	81	2	initial	initial	ADJ
fsr-3238	81	3	analytic	analytic	ADJ
fsr-3238	81	4	sample	sample	NOUN
fsr-3238	81	5	is	be	AUX
fsr-3238	81	6	composed	compose	VERB
fsr-3238	81	7	of	of	ADP
fsr-3238	81	8	households	household	NOUN
fsr-3238	81	9	with	with	ADP
fsr-3238	81	10	a	a	DET
fsr-3238	81	11	head	head	NOUN
fsr-3238	81	12	who	who	PRON
fsr-3238	81	13	is	be	AUX
fsr-3238	81	14	age	age	NOUN
fsr-3238	81	15	35	35	NUM
fsr-3238	81	16	to	to	ADP
fsr-3238	81	17	60	60	NUM
fsr-3238	81	18	and	and	CCONJ
fsr-3238	81	19	currently	currently	ADV
fsr-3238	81	20	working	work	VERB
fsr-3238	81	21	full	full	ADJ
fsr-3238	81	22	-	-	PUNCT
fsr-3238	81	23	time	time	NOUN
fsr-3238	81	24	.	.	PUNCT
fsr-3238	82	1	some	some	DET
fsr-3238	82	2	previous	previous	ADJ
fsr-3238	82	3	studies	study	NOUN
fsr-3238	82	4	,	,	PUNCT
fsr-3238	82	5	for	for	ADP
fsr-3238	82	6	example	example	NOUN
fsr-3238	82	7	,	,	PUNCT
fsr-3238	82	8	yuh	yuh	PROPN
fsr-3238	82	9	et	et	PROPN
fsr-3238	82	10	al	al	PROPN
fsr-3238	82	11	.	.	PUNCT
fsr-3238	82	12	(	(	PUNCT
fsr-3238	82	13	1998	1998	NUM
fsr-3238	82	14	)	)	PUNCT
fsr-3238	82	15	,	,	PUNCT
fsr-3238	82	16	montalto	montalto	PROPN
fsr-3238	82	17	,	,	PUNCT
fsr-3238	82	18	yuh	yuh	PROPN
fsr-3238	82	19	,	,	PUNCT
fsr-3238	82	20	and	and	CCONJ
fsr-3238	82	21	hanna	hanna	PROPN
fsr-3238	82	22	(	(	PUNCT
fsr-3238	82	23	2000	2000	NUM
fsr-3238	82	24	)	)	PUNCT
fsr-3238	82	25	,	,	PUNCT
fsr-3238	82	26	and	and	CCONJ
fsr-3238	82	27	chen	chen	PROPN
fsr-3238	82	28	(	(	PUNCT
fsr-3238	82	29	2007	2007	NUM
fsr-3238	82	30	)	)	PUNCT
fsr-3238	82	31	,	,	PUNCT
fsr-3238	82	32	use	use	VERB
fsr-3238	82	33	a	a	DET
fsr-3238	82	34	sample	sample	NOUN
fsr-3238	82	35	of	of	ADP
fsr-3238	82	36	employed	employ	VERB
fsr-3238	82	37	household	household	NOUN
fsr-3238	82	38	heads	head	NOUN
fsr-3238	82	39	age	age	NOUN
fsr-3238	82	40	35	35	NUM
fsr-3238	82	41	to	to	ADP
fsr-3238	82	42	70	70	NUM
fsr-3238	82	43	,	,	PUNCT
fsr-3238	82	44	but	but	CCONJ
fsr-3238	82	45	because	because	SCONJ
fsr-3238	82	46	many	many	ADJ
fsr-3238	82	47	workers	worker	NOUN
fsr-3238	82	48	retire	retire	VERB
fsr-3238	82	49	between	between	ADP
fsr-3238	82	50	60	60	NUM
fsr-3238	82	51	and	and	CCONJ
fsr-3238	82	52	70	70	NUM
fsr-3238	82	53	we	we	PRON
fsr-3238	82	54	use	use	VERB
fsr-3238	82	55	a	a	DET
fsr-3238	82	56	different	different	ADJ
fsr-3238	82	57	age	age	NOUN
fsr-3238	82	58	criteria	criterion	NOUN
fsr-3238	82	59	,	,	PUNCT
fsr-3238	82	60	to	to	PART
fsr-3238	82	61	reduce	reduce	VERB
fsr-3238	82	62	possible	possible	ADJ
fsr-3238	82	63	selection	selection	NOUN
fsr-3238	82	64	bias	bias	NOUN
fsr-3238	82	65	.	.	PUNCT
fsr-3238	83	1	we	we	PRON
fsr-3238	83	2	assume	assume	VERB
fsr-3238	83	3	that	that	SCONJ
fsr-3238	83	4	retirement	retirement	NOUN
fsr-3238	83	5	age	age	NOUN
fsr-3238	83	6	is	be	AUX
fsr-3238	83	7	exogenous	exogenous	ADJ
fsr-3238	83	8	,	,	PUNCT
fsr-3238	83	9	as	as	SCONJ
fsr-3238	83	10	is	be	AUX
fsr-3238	83	11	assumed	assume	VERB
fsr-3238	83	12	by	by	ADP
fsr-3238	83	13	scholz	scholz	NOUN
fsr-3238	83	14	,	,	PUNCT
fsr-3238	83	15	seshadri	seshadri	NOUN
fsr-3238	83	16	,	,	PUNCT
fsr-3238	83	17	and	and	CCONJ
fsr-3238	83	18	khitatrakun	khitatrakun	PROPN
fsr-3238	83	19	(	(	PUNCT
fsr-3238	83	20	2006	2006	NUM
fsr-3238	83	21	)	)	PUNCT
fsr-3238	83	22	and	and	CCONJ
fsr-3238	83	23	brown	brown	ADJ
fsr-3238	83	24	,	,	PUNCT
fsr-3238	83	25	fang	fang	X
fsr-3238	83	26	,	,	PUNCT
fsr-3238	83	27	and	and	CCONJ
fsr-3238	83	28	gomes	gome	NOUN
fsr-3238	83	29	(	(	PUNCT
fsr-3238	83	30	2012	2012	NUM
fsr-3238	83	31	)	)	PUNCT
fsr-3238	83	32	.	.	PUNCT
fsr-3238	84	1	for	for	ADP
fsr-3238	84	2	calculation	calculation	NOUN
fsr-3238	84	3	of	of	ADP
fsr-3238	84	4	retirement	retirement	NOUN
fsr-3238	84	5	adequacy	adequacy	NOUN
fsr-3238	84	6	,	,	PUNCT
fsr-3238	84	7	for	for	ADP
fsr-3238	84	8	workers	worker	NOUN
fsr-3238	84	9	who	who	PRON
fsr-3238	84	10	answer	answer	VERB
fsr-3238	84	11	a	a	DET
fsr-3238	84	12	question	question	NOUN
fsr-3238	84	13	about	about	ADP
fsr-3238	84	14	the	the	DET
fsr-3238	84	15	expected	expect	VERB
fsr-3238	84	16	age	age	NOUN
fsr-3238	84	17	for	for	ADP
fsr-3238	84	18	retirement	retirement	NOUN
fsr-3238	84	19	from	from	ADP
fsr-3238	84	20	full	full	ADJ
fsr-3238	84	21	-	-	PUNCT
fsr-3238	84	22	time	time	NOUN
fsr-3238	84	23	work	work	NOUN
fsr-3238	84	24	with	with	ADP
fsr-3238	84	25	“	"	PUNCT
fsr-3238	84	26	never	never	ADV
fsr-3238	84	27	retire	retire	VERB
fsr-3238	84	28	,	,	PUNCT
fsr-3238	84	29	”	"	PUNCT
fsr-3238	84	30	we	we	PRON
fsr-3238	84	31	assume	assume	VERB
fsr-3238	84	32	an	an	DET
fsr-3238	84	33	expected	expect	VERB
fsr-3238	84	34	retirement	retirement	NOUN
fsr-3238	84	35	age	age	NOUN
fsr-3238	84	36	of	of	ADP
fsr-3238	84	37	70	70	NUM
fsr-3238	84	38	.	.	PUNCT
fsr-3238	85	1	there	there	PRON
fsr-3238	85	2	are	be	VERB
fsr-3238	85	3	6,482	6,482	NUM
fsr-3238	85	4	households	household	NOUN
fsr-3238	85	5	in	in	ADP
fsr-3238	85	6	the	the	DET
fsr-3238	85	7	public	public	ADJ
fsr-3238	85	8	release	release	NOUN
fsr-3238	85	9	of	of	ADP
fsr-3238	85	10	the	the	DET
fsr-3238	85	11	2010	2010	NUM
fsr-3238	85	12	scf	scf	PROPN
fsr-3238	85	13	dataset	dataset	NOUN
fsr-3238	85	14	,	,	PUNCT
fsr-3238	85	15	and	and	CCONJ
fsr-3238	85	16	2,283	2,283	NUM
fsr-3238	85	17	of	of	ADP
fsr-3238	85	18	the	the	DET
fsr-3238	85	19	households	household	NOUN
fsr-3238	85	20	meet	meet	VERB
fsr-3238	85	21	our	our	PRON
fsr-3238	85	22	sample	sample	NOUN
fsr-3238	85	23	criteria	criterion	NOUN
fsr-3238	85	24	.	.	PUNCT
fsr-3238	86	1	this	this	DET
fsr-3238	86	2	study	study	NOUN
fsr-3238	86	3	mainly	mainly	ADV
fsr-3238	86	4	focuses	focus	VERB
fsr-3238	86	5	on	on	ADP
fsr-3238	86	6	households	household	NOUN
fsr-3238	86	7	that	that	PRON
fsr-3238	86	8	are	be	AUX
fsr-3238	86	9	projected	project	VERB
fsr-3238	86	10	to	to	PART
fsr-3238	86	11	have	have	VERB
fsr-3238	86	12	objective	objective	ADJ
fsr-3238	86	13	inadequacy	inadequacy	NOUN
fsr-3238	86	14	,	,	PUNCT
fsr-3238	86	15	therefore	therefore	ADV
fsr-3238	86	16	,	,	PUNCT
fsr-3238	86	17	for	for	ADP
fsr-3238	86	18	our	our	PRON
fsr-3238	86	19	multivariate	multivariate	NOUN
fsr-3238	86	20	analysis	analysis	NOUN
fsr-3238	86	21	we	we	PRON
fsr-3238	86	22	exclude	exclude	VERB
fsr-3238	86	23	households	household	NOUN
fsr-3238	86	24	with	with	ADP
fsr-3238	86	25	objective	objective	ADJ
fsr-3238	86	26	adequacy	adequacy	NOUN
fsr-3238	86	27	,	,	PUNCT
fsr-3238	86	28	and	and	CCONJ
fsr-3238	86	29	the	the	DET
fsr-3238	86	30	final	final	ADJ
fsr-3238	86	31	sample	sample	NOUN
fsr-3238	86	32	size	size	NOUN
fsr-3238	86	33	is	be	AUX
fsr-3238	86	34	1,203	1,203	NUM
fsr-3238	86	35	.	.	PUNCT
fsr-3238	87	1	3.2	3.2	NUM
fsr-3238	87	2	.	.	PUNCT
fsr-3238	88	1	the	the	DET
fsr-3238	88	2	dependent	dependent	ADJ
fsr-3238	88	3	variable	variable	NOUN
fsr-3238	88	4	3.2.1	3.2.1	NUM
fsr-3238	88	5	.	.	PUNCT
fsr-3238	88	6	objective	objective	ADJ
fsr-3238	88	7	measurement	measurement	NOUN
fsr-3238	88	8	–	–	PUNCT
fsr-3238	88	9	projection	projection	NOUN
fsr-3238	88	10	for	for	ADP
fsr-3238	88	11	retirement	retirement	NOUN
fsr-3238	88	12	adequacy	adequacy	NOUN
fsr-3238	88	13	in	in	ADP
fsr-3238	88	14	this	this	DET
fsr-3238	88	15	study	study	NOUN
fsr-3238	88	16	,	,	PUNCT
fsr-3238	88	17	retirement	retirement	NOUN
fsr-3238	88	18	resources	resource	NOUN
fsr-3238	88	19	include	include	VERB
fsr-3238	88	20	social	social	ADJ
fsr-3238	88	21	security	security	NOUN
fsr-3238	88	22	benefits	benefit	NOUN
fsr-3238	88	23	,	,	PUNCT
fsr-3238	88	24	projected	project	VERB
fsr-3238	88	25	defined	define	VERB
fsr-3238	88	26	benefit	benefit	NOUN
fsr-3238	88	27	(	(	PUNCT
fsr-3238	88	28	db	db	NOUN
fsr-3238	88	29	)	)	PUNCT
fsr-3238	88	30	pensions	pension	NOUN
fsr-3238	88	31	,	,	PUNCT
fsr-3238	88	32	projected	project	VERB
fsr-3238	88	33	part	part	ADJ
fsr-3238	88	34	-	-	PUNCT
fsr-3238	88	35	time	time	NOUN
fsr-3238	88	36	wages	wage	NOUN
fsr-3238	88	37	after	after	ADP
fsr-3238	88	38	retirement	retirement	NOUN
fsr-3238	88	39	,	,	PUNCT
fsr-3238	88	40	and	and	CCONJ
fsr-3238	88	41	annuity	annuity	NOUN
fsr-3238	88	42	distributions	distribution	NOUN
fsr-3238	88	43	from	from	ADP
fsr-3238	88	44	projected	project	VERB
fsr-3238	88	45	retirement	retirement	NOUN
fsr-3238	88	46	assets	asset	NOUN
fsr-3238	88	47	of	of	ADP
fsr-3238	88	48	the	the	DET
fsr-3238	88	49	household	household	NOUN
fsr-3238	88	50	head	head	NOUN
fsr-3238	88	51	and	and	CCONJ
fsr-3238	88	52	any	any	DET
fsr-3238	88	53	spouse	spouse	NOUN
fsr-3238	88	54	/	/	SYM
fsr-3238	88	55	partner	partner	NOUN
fsr-3238	88	56	.	.	PUNCT
fsr-3238	89	1	our	our	PRON
fsr-3238	89	2	calculation	calculation	NOUN
fsr-3238	89	3	of	of	ADP
fsr-3238	89	4	resources	resource	NOUN
fsr-3238	89	5	during	during	ADP
fsr-3238	89	6	retirement	retirement	NOUN
fsr-3238	89	7	follows	follow	VERB
fsr-3238	89	8	the	the	DET
fsr-3238	89	9	retirement	retirement	NOUN
fsr-3238	89	10	income	income	NOUN
fsr-3238	89	11	stage	stage	NOUN
fsr-3238	89	12	method	method	NOUN
fsr-3238	89	13	reported	report	VERB
fsr-3238	89	14	by	by	ADP
fsr-3238	89	15	143k.t	143k.t	NUM
fsr-3238	89	16	.	.	PUNCT
fsr-3238	90	1	kim	kim	PROPN
fsr-3238	90	2	,	,	PUNCT
fsr-3238	90	3	s.d	s.d	PROPN
fsr-3238	90	4	.	.	PROPN
fsr-3238	90	5	hanna	hanna	PROPN
fsr-3238	90	6	/	/	SYM
fsr-3238	90	7	financial	financial	ADJ
fsr-3238	90	8	services	service	NOUN
fsr-3238	90	9	review	review	VERB
fsr-3238	90	10	24	24	NUM
fsr-3238	90	11	(	(	PUNCT
fsr-3238	90	12	2015	2015	NUM
fsr-3238	90	13	)	)	PUNCT
fsr-3238	91	1	139–155	139–155	PROPN
fsr-3238	91	2	chen	chen	PROPN
fsr-3238	91	3	(	(	PUNCT
fsr-3238	91	4	2007	2007	NUM
fsr-3238	91	5	)	)	PUNCT
fsr-3238	91	6	and	and	CCONJ
fsr-3238	91	7	kim	kim	PROPN
fsr-3238	91	8	et	et	PROPN
fsr-3238	91	9	al	al	PROPN
fsr-3238	91	10	.	.	PROPN
fsr-3238	91	11	(	(	PUNCT
fsr-3238	91	12	2014	2014	NUM
fsr-3238	91	13	)	)	PUNCT
fsr-3238	91	14	.	.	PUNCT
fsr-3238	92	1	the	the	DET
fsr-3238	92	2	projected	project	VERB
fsr-3238	92	3	retirement	retirement	NOUN
fsr-3238	92	4	needs	need	NOUN
fsr-3238	92	5	are	be	AUX
fsr-3238	92	6	based	base	VERB
fsr-3238	92	7	on	on	ADP
fsr-3238	92	8	estimates	estimate	NOUN
fsr-3238	92	9	of	of	ADP
fsr-3238	92	10	each	each	DET
fsr-3238	92	11	household	household	NOUN
fsr-3238	92	12	’s	’s	PART
fsr-3238	92	13	expenditures	expenditure	NOUN
fsr-3238	92	14	,	,	PUNCT
fsr-3238	92	15	using	use	VERB
fsr-3238	92	16	mean	mean	ADJ
fsr-3238	92	17	expenditure	expenditure	NOUN
fsr-3238	92	18	to	to	ADP
fsr-3238	92	19	pretax	pretax	ADJ
fsr-3238	92	20	income	income	NOUN
fsr-3238	92	21	ratios	ratio	NOUN
fsr-3238	92	22	for	for	ADP
fsr-3238	92	23	different	different	ADJ
fsr-3238	92	24	income	income	NOUN
fsr-3238	92	25	ranges	range	NOUN
fsr-3238	92	26	(	(	PUNCT
fsr-3238	92	27	palmer	palmer	NOUN
fsr-3238	92	28	,	,	PUNCT
fsr-3238	92	29	1992	1992	NUM
fsr-3238	92	30	,	,	PUNCT
fsr-3238	92	31	1994	1994	NUM
fsr-3238	92	32	)	)	PUNCT
fsr-3238	92	33	,	,	PUNCT
fsr-3238	92	34	so	so	ADV
fsr-3238	92	35	high	high	ADJ
fsr-3238	92	36	income	income	NOUN
fsr-3238	92	37	households	household	NOUN
fsr-3238	92	38	have	have	VERB
fsr-3238	92	39	a	a	DET
fsr-3238	92	40	lower	low	ADJ
fsr-3238	92	41	replacement	replacement	NOUN
fsr-3238	92	42	ratio	ratio	NOUN
fsr-3238	92	43	than	than	ADP
fsr-3238	92	44	low	low	ADJ
fsr-3238	92	45	income	income	NOUN
fsr-3238	92	46	households	household	NOUN
fsr-3238	92	47	because	because	SCONJ
fsr-3238	92	48	of	of	ADP
fsr-3238	92	49	higher	high	ADJ
fsr-3238	92	50	proportions	proportion	NOUN
fsr-3238	92	51	of	of	ADP
fsr-3238	92	52	pretax	pretax	ADJ
fsr-3238	92	53	income	income	NOUN
fsr-3238	92	54	going	go	VERB
fsr-3238	92	55	for	for	ADP
fsr-3238	92	56	income	income	NOUN
fsr-3238	92	57	taxes	taxis	NOUN
fsr-3238	92	58	and	and	CCONJ
fsr-3238	92	59	saving	saving	NOUN
fsr-3238	92	60	.	.	PUNCT
fsr-3238	93	1	the	the	DET
fsr-3238	93	2	replacement	replacement	NOUN
fsr-3238	93	3	ratio	ratio	NOUN
fsr-3238	93	4	is	be	AUX
fsr-3238	93	5	equal	equal	ADJ
fsr-3238	93	6	to	to	ADP
fsr-3238	93	7	the	the	DET
fsr-3238	93	8	projected	project	VERB
fsr-3238	93	9	retirement	retirement	NOUN
fsr-3238	93	10	income	income	NOUN
fsr-3238	93	11	divided	divide	VERB
fsr-3238	93	12	by	by	ADP
fsr-3238	93	13	estimated	estimate	VERB
fsr-3238	93	14	preretirement	preretirement	ADJ
fsr-3238	93	15	expenditures	expenditure	NOUN
fsr-3238	93	16	.	.	PUNCT
fsr-3238	94	1	we	we	PRON
fsr-3238	94	2	estimate	estimate	VERB
fsr-3238	94	3	benchmark	benchmark	NOUN
fsr-3238	94	4	replacement	replacement	NOUN
fsr-3238	94	5	ratios	ratio	NOUN
fsr-3238	94	6	derived	derive	VERB
fsr-3238	94	7	from	from	ADP
fsr-3238	94	8	the	the	DET
fsr-3238	94	9	2010	2010	NUM
fsr-3238	94	10	consumer	consumer	NOUN
fsr-3238	94	11	expenditure	expenditure	NOUN
fsr-3238	94	12	survey	survey	NOUN
fsr-3238	94	13	published	publish	VERB
fsr-3238	94	14	by	by	ADP
fsr-3238	94	15	the	the	DET
fsr-3238	94	16	bureau	bureau	PROPN
fsr-3238	94	17	of	of	ADP
fsr-3238	94	18	labor	labor	PROPN
fsr-3238	94	19	statistics	statistic	NOUN
fsr-3238	94	20	(	(	PUNCT
fsr-3238	94	21	u.	u.	PROPN
fsr-3238	94	22	s.	s.	PROPN
fsr-3238	94	23	department	department	PROPN
fsr-3238	94	24	of	of	ADP
fsr-3238	94	25	labor	labor	PROPN
fsr-3238	94	26	,	,	PUNCT
fsr-3238	94	27	2012	2012	NUM
fsr-3238	94	28	)	)	PUNCT
fsr-3238	94	29	.	.	PUNCT
fsr-3238	95	1	we	we	PRON
fsr-3238	95	2	use	use	VERB
fsr-3238	95	3	the	the	DET
fsr-3238	95	4	normal	normal	ADJ
fsr-3238	95	5	household	household	NOUN
fsr-3238	95	6	income	income	NOUN
fsr-3238	95	7	of	of	ADP
fsr-3238	95	8	the	the	DET
fsr-3238	95	9	household	household	NOUN
fsr-3238	95	10	,	,	PUNCT
fsr-3238	95	11	and	and	CCONJ
fsr-3238	95	12	in	in	ADP
fsr-3238	95	13	the	the	DET
fsr-3238	95	14	corresponding	corresponding	ADJ
fsr-3238	95	15	published	publish	VERB
fsr-3238	95	16	income	income	NOUN
fsr-3238	95	17	category	category	NOUN
fsr-3238	95	18	in	in	ADP
fsr-3238	95	19	the	the	DET
fsr-3238	95	20	bls	bls	NOUN
fsr-3238	95	21	,	,	PUNCT
fsr-3238	95	22	we	we	PRON
fsr-3238	95	23	set	set	VERB
fsr-3238	95	24	the	the	DET
fsr-3238	95	25	benchmark	benchmark	NOUN
fsr-3238	95	26	ratio	ratio	NOUN
fsr-3238	95	27	as	as	ADP
fsr-3238	95	28	the	the	DET
fsr-3238	95	29	ratio	ratio	NOUN
fsr-3238	95	30	of	of	ADP
fsr-3238	95	31	average	average	ADJ
fsr-3238	95	32	annual	annual	ADJ
fsr-3238	95	33	expenditure	expenditure	NOUN
fsr-3238	95	34	divided	divide	VERB
fsr-3238	95	35	by	by	ADP
fsr-3238	95	36	average	average	ADJ
fsr-3238	95	37	pretax	pretax	ADJ
fsr-3238	95	38	income	income	NOUN
fsr-3238	95	39	in	in	ADP
fsr-3238	95	40	that	that	DET
fsr-3238	95	41	bls	bls	PROPN
fsr-3238	95	42	category	category	NOUN
fsr-3238	95	43	.	.	PUNCT
fsr-3238	96	1	for	for	ADP
fsr-3238	96	2	example	example	NOUN
fsr-3238	96	3	,	,	PUNCT
fsr-3238	96	4	a	a	DET
fsr-3238	96	5	household	household	NOUN
fsr-3238	96	6	with	with	ADP
fsr-3238	96	7	a	a	DET
fsr-3238	96	8	normal	normal	ADJ
fsr-3238	96	9	income	income	NOUN
fsr-3238	96	10	of	of	ADP
fsr-3238	96	11	$	$	SYM
fsr-3238	96	12	45,000	45,000	NUM
fsr-3238	96	13	would	would	AUX
fsr-3238	96	14	be	be	AUX
fsr-3238	96	15	assumed	assume	VERB
fsr-3238	96	16	to	to	PART
fsr-3238	96	17	have	have	VERB
fsr-3238	96	18	expenditures	expenditure	NOUN
fsr-3238	96	19	equal	equal	ADJ
fsr-3238	96	20	to	to	ADP
fsr-3238	96	21	91	91	NUM
fsr-3238	96	22	%	%	NOUN
fsr-3238	96	23	of	of	ADP
fsr-3238	96	24	pretax	pretax	ADJ
fsr-3238	96	25	income	income	NOUN
fsr-3238	96	26	,	,	PUNCT
fsr-3238	96	27	whereas	whereas	SCONJ
fsr-3238	96	28	a	a	DET
fsr-3238	96	29	household	household	NOUN
fsr-3238	96	30	with	with	ADP
fsr-3238	96	31	a	a	DET
fsr-3238	96	32	normal	normal	ADJ
fsr-3238	96	33	income	income	NOUN
fsr-3238	96	34	of	of	ADP
fsr-3238	96	35	$	$	SYM
fsr-3238	96	36	100,000	100,000	NUM
fsr-3238	96	37	would	would	AUX
fsr-3238	96	38	be	be	AUX
fsr-3238	96	39	assumed	assume	VERB
fsr-3238	96	40	to	to	PART
fsr-3238	96	41	have	have	VERB
fsr-3238	96	42	expenditures	expenditure	NOUN
fsr-3238	96	43	equal	equal	ADJ
fsr-3238	96	44	to	to	ADP
fsr-3238	96	45	69	69	NUM
fsr-3238	96	46	%	%	NOUN
fsr-3238	96	47	of	of	ADP
fsr-3238	96	48	pretax	pretax	ADJ
fsr-3238	96	49	income	income	NOUN
fsr-3238	96	50	.	.	PUNCT
fsr-3238	97	1	our	our	PRON
fsr-3238	97	2	approach	approach	NOUN
fsr-3238	97	3	to	to	ADP
fsr-3238	97	4	defining	define	VERB
fsr-3238	97	5	objective	objective	ADJ
fsr-3238	97	6	retirement	retirement	NOUN
fsr-3238	97	7	expense	expense	NOUN
fsr-3238	97	8	needs	need	NOUN
fsr-3238	97	9	is	be	AUX
fsr-3238	97	10	more	more	ADV
fsr-3238	97	11	sophisticated	sophisticated	ADJ
fsr-3238	97	12	than	than	ADP
fsr-3238	97	13	many	many	ADJ
fsr-3238	97	14	previous	previous	ADJ
fsr-3238	97	15	studies	study	NOUN
fsr-3238	97	16	,	,	PUNCT
fsr-3238	97	17	but	but	CCONJ
fsr-3238	97	18	it	it	PRON
fsr-3238	97	19	does	do	AUX
fsr-3238	97	20	not	not	PART
fsr-3238	97	21	take	take	VERB
fsr-3238	97	22	into	into	ADP
fsr-3238	97	23	account	account	NOUN
fsr-3238	97	24	the	the	DET
fsr-3238	97	25	heterogeneity	heterogeneity	NOUN
fsr-3238	97	26	of	of	ADP
fsr-3238	97	27	households	household	NOUN
fsr-3238	97	28	with	with	ADP
fsr-3238	97	29	the	the	DET
fsr-3238	97	30	same	same	ADJ
fsr-3238	97	31	income	income	NOUN
fsr-3238	97	32	level	level	NOUN
fsr-3238	97	33	,	,	PUNCT
fsr-3238	97	34	for	for	ADP
fsr-3238	97	35	instance	instance	NOUN
fsr-3238	97	36	,	,	PUNCT
fsr-3238	97	37	as	as	SCONJ
fsr-3238	97	38	discussed	discuss	VERB
fsr-3238	97	39	from	from	ADP
fsr-3238	97	40	a	a	DET
fsr-3238	97	41	normative	normative	ADJ
fsr-3238	97	42	life	life	NOUN
fsr-3238	97	43	cycle	cycle	NOUN
fsr-3238	97	44	approach	approach	NOUN
fsr-3238	97	45	by	by	ADP
fsr-3238	97	46	scholz	scholz	PROPN
fsr-3238	97	47	et	et	PROPN
fsr-3238	97	48	al	al	PROPN
fsr-3238	97	49	.	.	PROPN
fsr-3238	98	1	(	(	PUNCT
fsr-3238	98	2	2006	2006	NUM
fsr-3238	98	3	)	)	PUNCT
fsr-3238	98	4	.	.	PUNCT
fsr-3238	99	1	the	the	DET
fsr-3238	99	2	projected	project	VERB
fsr-3238	99	3	retirement	retirement	NOUN
fsr-3238	99	4	income	income	NOUN
fsr-3238	99	5	includes	include	VERB
fsr-3238	99	6	annual	annual	ADJ
fsr-3238	99	7	withdrawals	withdrawal	NOUN
fsr-3238	99	8	from	from	ADP
fsr-3238	99	9	projected	project	VERB
fsr-3238	99	10	accumulated	accumulate	VERB
fsr-3238	99	11	retirement	retirement	NOUN
fsr-3238	99	12	assets	asset	NOUN
fsr-3238	99	13	with	with	ADP
fsr-3238	99	14	mean	mean	ADJ
fsr-3238	99	15	returns	return	NOUN
fsr-3238	99	16	(	(	PUNCT
fsr-3238	99	17	cf	cf	NOUN
fsr-3238	99	18	.	.	PUNCT
fsr-3238	99	19	,	,	PUNCT
fsr-3238	99	20	yuh	yuh	PROPN
fsr-3238	99	21	et	et	PROPN
fsr-3238	99	22	al	al	PROPN
fsr-3238	99	23	.	.	PROPN
fsr-3238	99	24	,	,	PUNCT
fsr-3238	99	25	1998	1998	NUM
fsr-3238	99	26	)	)	PUNCT
fsr-3238	99	27	,	,	PUNCT
fsr-3238	99	28	and	and	CCONJ
fsr-3238	99	29	other	other	ADJ
fsr-3238	99	30	retirement	retirement	NOUN
fsr-3238	99	31	income	income	NOUN
fsr-3238	99	32	including	include	VERB
fsr-3238	99	33	social	social	ADJ
fsr-3238	99	34	security	security	NOUN
fsr-3238	99	35	benefits	benefit	NOUN
fsr-3238	99	36	,	,	PUNCT
fsr-3238	99	37	defined	define	VERB
fsr-3238	99	38	benefit	benefit	NOUN
fsr-3238	99	39	pensions	pension	NOUN
fsr-3238	99	40	,	,	PUNCT
fsr-3238	99	41	and	and	CCONJ
fsr-3238	99	42	part	part	ADJ
fsr-3238	99	43	-	-	PUNCT
fsr-3238	99	44	time	time	NOUN
fsr-3238	99	45	wages	wage	NOUN
fsr-3238	99	46	.	.	PUNCT
fsr-3238	100	1	if	if	SCONJ
fsr-3238	100	2	the	the	DET
fsr-3238	100	3	projected	project	VERB
fsr-3238	100	4	retirement	retirement	NOUN
fsr-3238	100	5	replacement	replacement	NOUN
fsr-3238	100	6	ratio	ratio	NOUN
fsr-3238	100	7	is	be	AUX
fsr-3238	100	8	equal	equal	ADJ
fsr-3238	100	9	to	to	ADP
fsr-3238	100	10	or	or	CCONJ
fsr-3238	100	11	greater	great	ADJ
fsr-3238	100	12	than	than	ADP
fsr-3238	100	13	the	the	DET
fsr-3238	100	14	benchmark	benchmark	ADJ
fsr-3238	100	15	replacement	replacement	NOUN
fsr-3238	100	16	ratio	ratio	NOUN
fsr-3238	100	17	,	,	PUNCT
fsr-3238	100	18	this	this	DET
fsr-3238	100	19	household	household	NOUN
fsr-3238	100	20	would	would	AUX
fsr-3238	100	21	have	have	VERB
fsr-3238	100	22	adequate	adequate	ADJ
fsr-3238	100	23	retirement	retirement	NOUN
fsr-3238	100	24	resources	resource	NOUN
fsr-3238	100	25	to	to	PART
fsr-3238	100	26	sustain	sustain	VERB
fsr-3238	100	27	retirement	retirement	NOUN
fsr-3238	100	28	needs	need	NOUN
fsr-3238	100	29	.	.	PUNCT
fsr-3238	101	1	3.2.2	3.2.2	X
fsr-3238	101	2	.	.	PUNCT
fsr-3238	101	3	subjective	subjective	ADJ
fsr-3238	101	4	measurement	measurement	NOUN
fsr-3238	101	5	–	–	PUNCT
fsr-3238	101	6	perception	perception	NOUN
fsr-3238	101	7	of	of	ADP
fsr-3238	101	8	retirement	retirement	NOUN
fsr-3238	101	9	adequacy	adequacy	NOUN
fsr-3238	101	10	the	the	DET
fsr-3238	101	11	scf	scf	PROPN
fsr-3238	101	12	has	have	VERB
fsr-3238	101	13	a	a	DET
fsr-3238	101	14	variable	variable	NOUN
fsr-3238	101	15	for	for	ADP
fsr-3238	101	16	the	the	DET
fsr-3238	101	17	respondent	respondent	NOUN
fsr-3238	101	18	’s	’s	PART
fsr-3238	101	19	perception	perception	NOUN
fsr-3238	101	20	of	of	ADP
fsr-3238	101	21	the	the	DET
fsr-3238	101	22	adequacy	adequacy	NOUN
fsr-3238	101	23	of	of	ADP
fsr-3238	101	24	retirement	retirement	NOUN
fsr-3238	101	25	income	income	NOUN
fsr-3238	101	26	,	,	PUNCT
fsr-3238	101	27	with	with	ADP
fsr-3238	101	28	five	five	NUM
fsr-3238	101	29	levels	level	NOUN
fsr-3238	101	30	–	–	PUNCT
fsr-3238	101	31	totally	totally	ADV
fsr-3238	101	32	inadequate	inadequate	ADJ
fsr-3238	101	33	(	(	PUNCT
fsr-3238	101	34	coded	code	VERB
fsr-3238	101	35	as	as	ADP
fsr-3238	101	36	1	1	NUM
fsr-3238	101	37	)	)	PUNCT
fsr-3238	101	38	,	,	PUNCT
fsr-3238	101	39	inadequate	inadequate	ADJ
fsr-3238	101	40	(	(	PUNCT
fsr-3238	101	41	coded	code	VERB
fsr-3238	101	42	as	as	ADP
fsr-3238	101	43	2	2	NUM
fsr-3238	101	44	)	)	PUNCT
fsr-3238	101	45	,	,	PUNCT
fsr-3238	101	46	enough	enough	ADJ
fsr-3238	101	47	to	to	PART
fsr-3238	101	48	maintain	maintain	VERB
fsr-3238	101	49	living	living	NOUN
fsr-3238	101	50	standards	standard	NOUN
fsr-3238	101	51	(	(	PUNCT
fsr-3238	101	52	coded	code	VERB
fsr-3238	101	53	as	as	ADP
fsr-3238	101	54	3	3	NUM
fsr-3238	101	55	)	)	PUNCT
fsr-3238	101	56	,	,	PUNCT
fsr-3238	101	57	satisfactory	satisfactory	NOUN
fsr-3238	101	58	(	(	PUNCT
fsr-3238	101	59	coded	code	VERB
fsr-3238	101	60	as	as	ADP
fsr-3238	101	61	4	4	NUM
fsr-3238	101	62	)	)	PUNCT
fsr-3238	101	63	,	,	PUNCT
fsr-3238	101	64	and	and	CCONJ
fsr-3238	101	65	very	very	ADV
fsr-3238	101	66	satisfactory	satisfactory	ADJ
fsr-3238	101	67	(	(	PUNCT
fsr-3238	101	68	coded	code	VERB
fsr-3238	101	69	as	as	ADP
fsr-3238	101	70	5	5	NUM
fsr-3238	101	71	)	)	PUNCT
fsr-3238	101	72	.	.	PUNCT
fsr-3238	102	1	though	though	SCONJ
fsr-3238	102	2	few	few	ADJ
fsr-3238	102	3	studies	study	NOUN
fsr-3238	102	4	have	have	AUX
fsr-3238	102	5	focused	focus	VERB
fsr-3238	102	6	on	on	ADP
fsr-3238	102	7	the	the	DET
fsr-3238	102	8	retirement	retirement	NOUN
fsr-3238	102	9	perception	perception	NOUN
fsr-3238	102	10	variable	variable	NOUN
fsr-3238	102	11	in	in	ADP
fsr-3238	102	12	the	the	DET
fsr-3238	102	13	scf	scf	PROPN
fsr-3238	102	14	survey	survey	NOUN
fsr-3238	102	15	,	,	PUNCT
fsr-3238	102	16	it	it	PRON
fsr-3238	102	17	plausibly	plausibly	ADV
fsr-3238	102	18	reflects	reflect	VERB
fsr-3238	102	19	the	the	DET
fsr-3238	102	20	respondent	respondent	NOUN
fsr-3238	102	21	’s	’s	PART
fsr-3238	102	22	perception	perception	NOUN
fsr-3238	102	23	of	of	ADP
fsr-3238	102	24	having	have	VERB
fsr-3238	102	25	an	an	DET
fsr-3238	102	26	adequate	adequate	ADJ
fsr-3238	102	27	retirement	retirement	NOUN
fsr-3238	102	28	.	.	PUNCT
fsr-3238	103	1	for	for	ADP
fsr-3238	103	2	the	the	DET
fsr-3238	103	3	purpose	purpose	NOUN
fsr-3238	103	4	of	of	ADP
fsr-3238	103	5	this	this	DET
fsr-3238	103	6	study	study	NOUN
fsr-3238	103	7	,	,	PUNCT
fsr-3238	103	8	the	the	DET
fsr-3238	103	9	subjective	subjective	ADJ
fsr-3238	103	10	measurement	measurement	NOUN
fsr-3238	103	11	is	be	AUX
fsr-3238	103	12	a	a	DET
fsr-3238	103	13	dichotomous	dichotomous	ADJ
fsr-3238	103	14	indicator	indicator	NOUN
fsr-3238	103	15	of	of	ADP
fsr-3238	103	16	households	household	NOUN
fsr-3238	103	17	’	'	PUNCT
fsr-3238	103	18	perception	perception	NOUN
fsr-3238	103	19	of	of	ADP
fsr-3238	103	20	having	have	VERB
fsr-3238	103	21	an	an	DET
fsr-3238	103	22	adequate	adequate	ADJ
fsr-3238	103	23	retirement	retirement	NOUN
fsr-3238	103	24	with	with	ADP
fsr-3238	103	25	value	value	NOUN
fsr-3238	103	26	equal	equal	ADJ
fsr-3238	103	27	to	to	ADP
fsr-3238	103	28	1	1	NUM
fsr-3238	103	29	if	if	SCONJ
fsr-3238	103	30	the	the	DET
fsr-3238	103	31	value	value	NOUN
fsr-3238	103	32	of	of	ADP
fsr-3238	103	33	indicator	indicator	NOUN
fsr-3238	103	34	is	be	AUX
fsr-3238	103	35	3	3	NUM
fsr-3238	103	36	,	,	PUNCT
fsr-3238	103	37	4	4	NUM
fsr-3238	103	38	,	,	PUNCT
fsr-3238	103	39	or	or	CCONJ
fsr-3238	103	40	5	5	NUM
fsr-3238	103	41	(	(	PUNCT
fsr-3238	103	42	adequate	adequate	ADJ
fsr-3238	103	43	)	)	PUNCT
fsr-3238	103	44	,	,	PUNCT
fsr-3238	103	45	otherwise	otherwise	ADV
fsr-3238	103	46	the	the	DET
fsr-3238	103	47	value	value	NOUN
fsr-3238	103	48	is	be	AUX
fsr-3238	103	49	0	0	NUM
fsr-3238	103	50	(	(	PUNCT
fsr-3238	103	51	inadequate	inadequate	ADJ
fsr-3238	103	52	)	)	PUNCT
fsr-3238	103	53	.	.	PUNCT
fsr-3238	104	1	3.2.3	3.2.3	X
fsr-3238	104	2	.	.	PUNCT
fsr-3238	104	3	categories	category	NOUN
fsr-3238	104	4	for	for	ADP
fsr-3238	104	5	the	the	DET
fsr-3238	104	6	dependent	dependent	ADJ
fsr-3238	104	7	variable	variable	NOUN
fsr-3238	104	8	our	our	PRON
fsr-3238	104	9	initial	initial	ADJ
fsr-3238	104	10	analysis	analysis	NOUN
fsr-3238	104	11	is	be	AUX
fsr-3238	104	12	based	base	VERB
fsr-3238	104	13	on	on	ADP
fsr-3238	104	14	all	all	DET
fsr-3238	104	15	households	household	NOUN
fsr-3238	104	16	with	with	ADP
fsr-3238	104	17	a	a	DET
fsr-3238	104	18	head	head	NOUN
fsr-3238	104	19	employed	employ	VERB
fsr-3238	104	20	full	full	ADJ
fsr-3238	104	21	-	-	PUNCT
fsr-3238	104	22	time	time	NOUN
fsr-3238	104	23	and	and	CCONJ
fsr-3238	104	24	age	age	NOUN
fsr-3238	104	25	35	35	NUM
fsr-3238	104	26	to	to	PART
fsr-3238	104	27	60	60	NUM
fsr-3238	104	28	.	.	PUNCT
fsr-3238	105	1	based	base	VERB
fsr-3238	105	2	on	on	ADP
fsr-3238	105	3	objective	objective	ADJ
fsr-3238	105	4	/	/	SYM
fsr-3238	105	5	subjective	subjective	ADJ
fsr-3238	105	6	consistency	consistency	NOUN
fsr-3238	105	7	,	,	PUNCT
fsr-3238	105	8	we	we	PRON
fsr-3238	105	9	define	define	VERB
fsr-3238	105	10	four	four	NUM
fsr-3238	105	11	categories	category	NOUN
fsr-3238	105	12	of	of	ADP
fsr-3238	105	13	objective/	objective/	NUM
fsr-3238	105	14	perceived	perceive	VERB
fsr-3238	105	15	retirement	retirement	NOUN
fsr-3238	105	16	adequacy	adequacy	NOUN
fsr-3238	105	17	:	:	PUNCT
fsr-3238	105	18	realists	realist	NOUN
fsr-3238	105	19	having	have	VERB
fsr-3238	105	20	adequate	adequate	ADJ
fsr-3238	105	21	resources	resource	NOUN
fsr-3238	105	22	(	(	PUNCT
fsr-3238	105	23	adequate	adequate	ADJ
fsr-3238	105	24	realists	realist	NOUN
fsr-3238	105	25	)	)	PUNCT
fsr-3238	105	26	,	,	PUNCT
fsr-3238	105	27	realists	realist	NOUN
fsr-3238	105	28	having	have	VERB
fsr-3238	105	29	inadequate	inadequate	ADJ
fsr-3238	105	30	resources	resource	NOUN
fsr-3238	105	31	(	(	PUNCT
fsr-3238	105	32	inadequate	inadequate	ADJ
fsr-3238	105	33	realists	realist	NOUN
fsr-3238	105	34	)	)	PUNCT
fsr-3238	105	35	,	,	PUNCT
fsr-3238	105	36	households	household	NOUN
fsr-3238	105	37	having	have	VERB
fsr-3238	105	38	only	only	ADV
fsr-3238	105	39	subjective	subjective	ADJ
fsr-3238	105	40	adequacy	adequacy	NOUN
fsr-3238	105	41	(	(	PUNCT
fsr-3238	105	42	unrealistic	unrealistic	ADJ
fsr-3238	105	43	optimists	optimist	NOUN
fsr-3238	105	44	)	)	PUNCT
fsr-3238	105	45	,	,	PUNCT
fsr-3238	105	46	and	and	CCONJ
fsr-3238	105	47	households	household	NOUN
fsr-3238	105	48	having	have	VERB
fsr-3238	105	49	only	only	ADV
fsr-3238	105	50	objective	objective	ADJ
fsr-3238	105	51	adequacy	adequacy	NOUN
fsr-3238	105	52	(	(	PUNCT
fsr-3238	105	53	pessimists	pessimist	NOUN
fsr-3238	105	54	)	)	PUNCT
fsr-3238	105	55	.	.	PUNCT
fsr-3238	106	1	given	give	VERB
fsr-3238	106	2	the	the	DET
fsr-3238	106	3	importance	importance	NOUN
fsr-3238	106	4	of	of	ADP
fsr-3238	106	5	households	household	NOUN
fsr-3238	106	6	with	with	ADP
fsr-3238	106	7	projected	project	VERB
fsr-3238	106	8	objective	objective	ADJ
fsr-3238	106	9	retirement	retirement	NOUN
fsr-3238	106	10	inadequacy	inadequacy	NOUN
fsr-3238	106	11	,	,	PUNCT
fsr-3238	106	12	we	we	PRON
fsr-3238	106	13	then	then	ADV
fsr-3238	106	14	focus	focus	VERB
fsr-3238	106	15	only	only	ADV
fsr-3238	106	16	on	on	ADP
fsr-3238	106	17	households	household	NOUN
fsr-3238	106	18	with	with	ADP
fsr-3238	106	19	projected	project	VERB
fsr-3238	106	20	inadequate	inadequate	ADJ
fsr-3238	106	21	retirement	retirement	NOUN
fsr-3238	106	22	resources	resource	NOUN
fsr-3238	106	23	.	.	PUNCT
fsr-3238	107	1	we	we	PRON
fsr-3238	107	2	create	create	VERB
fsr-3238	107	3	a	a	DET
fsr-3238	107	4	binary	binary	ADJ
fsr-3238	107	5	variable	variable	NOUN
fsr-3238	107	6	for	for	ADP
fsr-3238	107	7	objectively	objectively	ADV
fsr-3238	107	8	inadequate	inadequate	ADJ
fsr-3238	107	9	households	household	NOUN
fsr-3238	107	10	for	for	ADP
fsr-3238	107	11	descriptive	descriptive	ADJ
fsr-3238	107	12	and	and	CCONJ
fsr-3238	107	13	multivariate	multivariate	VERB
fsr-3238	107	14	analysis	analysis	NOUN
fsr-3238	107	15	(	(	PUNCT
fsr-3238	107	16	unrealistic	unrealistic	ADJ
fsr-3238	107	17	optimists	optimist	NOUN
fsr-3238	107	18	vs.	vs.	ADP
fsr-3238	107	19	inadequate	inadequate	ADJ
fsr-3238	107	20	realists	realist	NOUN
fsr-3238	107	21	)	)	PUNCT
fsr-3238	107	22	.	.	PUNCT
fsr-3238	108	1	144	144	NUM
fsr-3238	108	2	k.t	k.t	PROPN
fsr-3238	108	3	.	.	PROPN
fsr-3238	109	1	kim	kim	PROPN
fsr-3238	109	2	,	,	PUNCT
fsr-3238	109	3	s.d	s.d	PROPN
fsr-3238	109	4	.	.	PROPN
fsr-3238	109	5	hanna	hanna	PROPN
fsr-3238	109	6	/	/	SYM
fsr-3238	109	7	financial	financial	ADJ
fsr-3238	109	8	services	service	NOUN
fsr-3238	109	9	review	review	VERB
fsr-3238	109	10	24	24	NUM
fsr-3238	109	11	(	(	PUNCT
fsr-3238	109	12	2015	2015	NUM
fsr-3238	109	13	)	)	PUNCT
fsr-3238	109	14	139–155	139–155	NUM
fsr-3238	109	15	table	table	NOUN
fsr-3238	109	16	1	1	NUM
fsr-3238	109	17	indicates	indicate	VERB
fsr-3238	109	18	the	the	DET
fsr-3238	109	19	proportion	proportion	NOUN
fsr-3238	109	20	of	of	ADP
fsr-3238	109	21	u.s	u.s	PROPN
fsr-3238	109	22	.	.	PROPN
fsr-3238	109	23	households	household	NOUN
fsr-3238	109	24	in	in	ADP
fsr-3238	109	25	four	four	NUM
fsr-3238	109	26	categories	category	NOUN
fsr-3238	109	27	of	of	ADP
fsr-3238	109	28	objective/	objective/	NUM
fsr-3238	109	29	perceived	perceive	VERB
fsr-3238	109	30	retirement	retirement	NOUN
fsr-3238	109	31	adequacy	adequacy	NOUN
fsr-3238	109	32	.	.	PUNCT
fsr-3238	110	1	only	only	ADV
fsr-3238	110	2	42	42	NUM
fsr-3238	110	3	%	%	NOUN
fsr-3238	110	4	of	of	ADP
fsr-3238	110	5	working	work	VERB
fsr-3238	110	6	households	household	NOUN
fsr-3238	110	7	are	be	AUX
fsr-3238	110	8	adequately	adequately	ADV
fsr-3238	110	9	prepared	prepare	VERB
fsr-3238	110	10	for	for	ADP
fsr-3238	110	11	retirement	retirement	NOUN
fsr-3238	110	12	based	base	VERB
fsr-3238	110	13	on	on	ADP
fsr-3238	110	14	an	an	DET
fsr-3238	110	15	objective	objective	ADJ
fsr-3238	110	16	measure	measure	NOUN
fsr-3238	110	17	,	,	PUNCT
fsr-3238	110	18	whereas	whereas	SCONJ
fsr-3238	110	19	46	46	NUM
fsr-3238	110	20	%	%	NOUN
fsr-3238	110	21	rate	rate	NOUN
fsr-3238	110	22	their	their	PRON
fsr-3238	110	23	future	future	ADJ
fsr-3238	110	24	retirement	retirement	NOUN
fsr-3238	110	25	income	income	NOUN
fsr-3238	110	26	adequate	adequate	ADJ
fsr-3238	110	27	.	.	PUNCT
fsr-3238	111	1	there	there	PRON
fsr-3238	111	2	are	be	VERB
fsr-3238	111	3	various	various	ADJ
fsr-3238	111	4	possible	possible	ADJ
fsr-3238	111	5	explanations	explanation	NOUN
fsr-3238	111	6	for	for	ADP
fsr-3238	111	7	the	the	DET
fsr-3238	111	8	low	low	ADJ
fsr-3238	111	9	proportion	proportion	NOUN
fsr-3238	111	10	of	of	ADP
fsr-3238	111	11	working	work	VERB
fsr-3238	111	12	households	household	NOUN
fsr-3238	111	13	having	have	VERB
fsr-3238	111	14	objective	objective	ADJ
fsr-3238	111	15	adequacy	adequacy	NOUN
fsr-3238	111	16	,	,	PUNCT
fsr-3238	111	17	including	include	VERB
fsr-3238	111	18	hyperbolic	hyperbolic	ADJ
fsr-3238	111	19	discounting	discounting	NOUN
fsr-3238	111	20	(	(	PUNCT
fsr-3238	111	21	angeletos	angeletos	NOUN
fsr-3238	111	22	et	et	NOUN
fsr-3238	111	23	al	al	PROPN
fsr-3238	111	24	.	.	PROPN
fsr-3238	111	25	,	,	PUNCT
fsr-3238	111	26	2001	2001	NUM
fsr-3238	111	27	;	;	PUNCT
fsr-3238	111	28	laibson	laibson	PROPN
fsr-3238	111	29	,	,	PUNCT
fsr-3238	111	30	1997	1997	NUM
fsr-3238	111	31	)	)	PUNCT
fsr-3238	111	32	and	and	CCONJ
fsr-3238	111	33	simple	simple	ADJ
fsr-3238	111	34	mistakes	mistake	NOUN
fsr-3238	111	35	(	(	PUNCT
fsr-3238	111	36	campbell	campbell	PROPN
fsr-3238	111	37	,	,	PUNCT
fsr-3238	111	38	2006	2006	NUM
fsr-3238	111	39	)	)	PUNCT
fsr-3238	111	40	.	.	PUNCT
fsr-3238	112	1	it	it	PRON
fsr-3238	112	2	is	be	AUX
fsr-3238	112	3	also	also	ADV
fsr-3238	112	4	possible	possible	ADJ
fsr-3238	112	5	that	that	SCONJ
fsr-3238	112	6	our	our	PRON
fsr-3238	112	7	assumptions	assumption	NOUN
fsr-3238	112	8	about	about	ADP
fsr-3238	112	9	household	household	NOUN
fsr-3238	112	10	preferences	preference	NOUN
fsr-3238	112	11	and	and	CCONJ
fsr-3238	112	12	expectations	expectation	NOUN
fsr-3238	112	13	are	be	AUX
fsr-3238	112	14	not	not	PART
fsr-3238	112	15	accurate	accurate	ADJ
fsr-3238	112	16	,	,	PUNCT
fsr-3238	112	17	though	though	SCONJ
fsr-3238	112	18	we	we	PRON
fsr-3238	112	19	make	make	VERB
fsr-3238	112	20	assumptions	assumption	NOUN
fsr-3238	112	21	similar	similar	ADJ
fsr-3238	112	22	to	to	ADP
fsr-3238	112	23	those	those	PRON
fsr-3238	112	24	made	make	VERB
fsr-3238	112	25	by	by	ADP
fsr-3238	112	26	most	most	ADJ
fsr-3238	112	27	authors	author	NOUN
fsr-3238	112	28	analyzing	analyze	VERB
fsr-3238	112	29	retirement	retirement	NOUN
fsr-3238	112	30	adequacy	adequacy	NOUN
fsr-3238	112	31	.	.	PUNCT
fsr-3238	113	1	we	we	PRON
fsr-3238	113	2	return	return	VERB
fsr-3238	113	3	to	to	ADP
fsr-3238	113	4	this	this	DET
fsr-3238	113	5	issue	issue	NOUN
fsr-3238	113	6	in	in	ADP
fsr-3238	113	7	our	our	PRON
fsr-3238	113	8	conclusions	conclusion	NOUN
fsr-3238	113	9	.	.	PUNCT
fsr-3238	114	1	the	the	DET
fsr-3238	114	2	proportion	proportion	NOUN
fsr-3238	114	3	of	of	ADP
fsr-3238	114	4	households	household	NOUN
fsr-3238	114	5	rating	rate	VERB
fsr-3238	114	6	their	their	PRON
fsr-3238	114	7	future	future	ADJ
fsr-3238	114	8	retirement	retirement	NOUN
fsr-3238	114	9	income	income	NOUN
fsr-3238	114	10	as	as	ADP
fsr-3238	114	11	adequate	adequate	ADJ
fsr-3238	114	12	is	be	AUX
fsr-3238	114	13	similar	similar	ADJ
fsr-3238	114	14	to	to	ADP
fsr-3238	114	15	the	the	DET
fsr-3238	114	16	proportion	proportion	NOUN
fsr-3238	114	17	of	of	ADP
fsr-3238	114	18	households	household	NOUN
fsr-3238	114	19	with	with	ADP
fsr-3238	114	20	objective	objective	ADJ
fsr-3238	114	21	inadequacy	inadequacy	NOUN
fsr-3238	114	22	,	,	PUNCT
fsr-3238	114	23	but	but	CCONJ
fsr-3238	114	24	only	only	ADV
fsr-3238	114	25	52	52	NUM
fsr-3238	114	26	%	%	NOUN
fsr-3238	114	27	of	of	ADP
fsr-3238	114	28	households	household	NOUN
fsr-3238	114	29	have	have	VERB
fsr-3238	114	30	consistency	consistency	NOUN
fsr-3238	114	31	between	between	ADP
fsr-3238	114	32	subjective	subjective	ADJ
fsr-3238	114	33	and	and	CCONJ
fsr-3238	114	34	objective	objective	ADJ
fsr-3238	114	35	adequacy	adequacy	NOUN
fsr-3238	114	36	.	.	PUNCT
fsr-3238	115	1	about	about	ADV
fsr-3238	115	2	20	20	NUM
fsr-3238	115	3	%	%	NOUN
fsr-3238	115	4	of	of	ADP
fsr-3238	115	5	households	household	NOUN
fsr-3238	115	6	are	be	AUX
fsr-3238	115	7	adequate	adequate	ADJ
fsr-3238	115	8	realists	realist	NOUN
fsr-3238	115	9	and	and	CCONJ
fsr-3238	115	10	have	have	VERB
fsr-3238	115	11	both	both	CCONJ
fsr-3238	115	12	subjective	subjective	ADJ
fsr-3238	115	13	and	and	CCONJ
fsr-3238	115	14	objective	objective	ADJ
fsr-3238	115	15	adequacy	adequacy	NOUN
fsr-3238	115	16	.	.	PUNCT
fsr-3238	116	1	pessimists	pessimist	NOUN
fsr-3238	116	2	(	(	PUNCT
fsr-3238	116	3	objective	objective	ADJ
fsr-3238	116	4	adequacy	adequacy	NOUN
fsr-3238	116	5	but	but	CCONJ
fsr-3238	116	6	subjective	subjective	ADJ
fsr-3238	116	7	inadequacy	inadequacy	NOUN
fsr-3238	116	8	)	)	PUNCT
fsr-3238	116	9	comprise	comprise	VERB
fsr-3238	116	10	22	22	NUM
fsr-3238	116	11	%	%	NOUN
fsr-3238	116	12	of	of	ADP
fsr-3238	116	13	households	household	NOUN
fsr-3238	116	14	,	,	PUNCT
fsr-3238	116	15	while	while	SCONJ
fsr-3238	116	16	26	26	NUM
fsr-3238	116	17	%	%	NOUN
fsr-3238	116	18	are	be	AUX
fsr-3238	116	19	unrealistic	unrealistic	ADJ
fsr-3238	116	20	optimists	optimist	NOUN
fsr-3238	116	21	(	(	PUNCT
fsr-3238	116	22	subjective	subjective	ADJ
fsr-3238	116	23	adequacy	adequacy	NOUN
fsr-3238	116	24	but	but	CCONJ
fsr-3238	116	25	objective	objective	ADJ
fsr-3238	116	26	inadequacy	inadequacy	NOUN
fsr-3238	116	27	)	)	PUNCT
fsr-3238	116	28	.	.	PUNCT
fsr-3238	117	1	about	about	ADV
fsr-3238	117	2	32	32	NUM
fsr-3238	117	3	%	%	NOUN
fsr-3238	117	4	of	of	ADP
fsr-3238	117	5	households	household	NOUN
fsr-3238	117	6	are	be	AUX
fsr-3238	117	7	inadequate	inadequate	ADJ
fsr-3238	117	8	realists	realist	NOUN
fsr-3238	117	9	and	and	CCONJ
fsr-3238	117	10	have	have	VERB
fsr-3238	117	11	inadequacy	inadequacy	NOUN
fsr-3238	117	12	consistently	consistently	ADV
fsr-3238	117	13	between	between	ADP
fsr-3238	117	14	the	the	DET
fsr-3238	117	15	two	two	NUM
fsr-3238	117	16	retirement	retirement	NOUN
fsr-3238	117	17	adequacy	adequacy	NOUN
fsr-3238	117	18	measurements	measurement	NOUN
fsr-3238	117	19	.	.	PUNCT
fsr-3238	118	1	3.3	3.3	NUM
fsr-3238	118	2	.	.	PUNCT
fsr-3238	119	1	independent	independent	ADJ
fsr-3238	119	2	variables	variable	NOUN
fsr-3238	119	3	presumably	presumably	ADV
fsr-3238	119	4	a	a	DET
fsr-3238	119	5	worker	worker	NOUN
fsr-3238	119	6	’s	’s	PART
fsr-3238	119	7	ability	ability	NOUN
fsr-3238	119	8	to	to	PART
fsr-3238	119	9	accurately	accurately	ADV
fsr-3238	119	10	assess	assess	VERB
fsr-3238	119	11	retirement	retirement	NOUN
fsr-3238	119	12	adequacy	adequacy	NOUN
fsr-3238	119	13	depends	depend	VERB
fsr-3238	119	14	on	on	ADP
fsr-3238	119	15	cognitive	cognitive	ADJ
fsr-3238	119	16	ability	ability	NOUN
fsr-3238	119	17	and	and	CCONJ
fsr-3238	119	18	experience	experience	NOUN
fsr-3238	119	19	.	.	PUNCT
fsr-3238	120	1	the	the	DET
fsr-3238	120	2	scf	scf	PROPN
fsr-3238	120	3	does	do	AUX
fsr-3238	120	4	not	not	PART
fsr-3238	120	5	include	include	VERB
fsr-3238	120	6	a	a	DET
fsr-3238	120	7	direct	direct	ADJ
fsr-3238	120	8	measure	measure	NOUN
fsr-3238	120	9	of	of	ADP
fsr-3238	120	10	cognitive	cognitive	ADJ
fsr-3238	120	11	ability	ability	NOUN
fsr-3238	120	12	,	,	PUNCT
fsr-3238	120	13	but	but	CCONJ
fsr-3238	120	14	kyrychenko	kyrychenko	NOUN
fsr-3238	120	15	and	and	CCONJ
fsr-3238	120	16	shum	shum	ADJ
fsr-3238	120	17	(	(	PUNCT
fsr-3238	120	18	2009	2009	NUM
fsr-3238	120	19	)	)	PUNCT
fsr-3238	120	20	and	and	CCONJ
fsr-3238	120	21	stango	stango	NOUN
fsr-3238	120	22	and	and	CCONJ
fsr-3238	120	23	zinman	zinman	NOUN
fsr-3238	120	24	(	(	PUNCT
fsr-3238	120	25	2009	2009	NUM
fsr-3238	120	26	)	)	PUNCT
fsr-3238	120	27	use	use	VERB
fsr-3238	120	28	education	education	NOUN
fsr-3238	120	29	as	as	ADP
fsr-3238	120	30	a	a	DET
fsr-3238	120	31	proxy	proxy	NOUN
fsr-3238	120	32	for	for	ADP
fsr-3238	120	33	financial	financial	ADJ
fsr-3238	120	34	cognition	cognition	NOUN
fsr-3238	120	35	or	or	CCONJ
fsr-3238	120	36	sophistication	sophistication	NOUN
fsr-3238	120	37	.	.	PUNCT
fsr-3238	121	1	lusardi	lusardi	PROPN
fsr-3238	121	2	and	and	CCONJ
fsr-3238	121	3	mitchell	mitchell	PROPN
fsr-3238	121	4	(	(	PUNCT
fsr-3238	121	5	2007	2007	NUM
fsr-3238	121	6	)	)	PUNCT
fsr-3238	121	7	find	find	VERB
fsr-3238	121	8	that	that	SCONJ
fsr-3238	121	9	the	the	DET
fsr-3238	121	10	level	level	NOUN
fsr-3238	121	11	of	of	ADP
fsr-3238	121	12	formal	formal	ADJ
fsr-3238	121	13	education	education	NOUN
fsr-3238	121	14	is	be	AUX
fsr-3238	121	15	related	relate	VERB
fsr-3238	121	16	to	to	ADP
fsr-3238	121	17	measures	measure	NOUN
fsr-3238	121	18	of	of	ADP
fsr-3238	121	19	financial	financial	ADJ
fsr-3238	121	20	literacy	literacy	NOUN
fsr-3238	121	21	.	.	PUNCT
fsr-3238	122	1	we	we	PRON
fsr-3238	122	2	measure	measure	VERB
fsr-3238	122	3	educational	educational	ADJ
fsr-3238	122	4	attainment	attainment	NOUN
fsr-3238	122	5	by	by	ADP
fsr-3238	122	6	five	five	NUM
fsr-3238	122	7	dummy	dummy	ADJ
fsr-3238	122	8	variables	variable	NOUN
fsr-3238	122	9	:	:	PUNCT
fsr-3238	122	10	less	less	ADJ
fsr-3238	122	11	than	than	ADP
fsr-3238	122	12	high	high	ADJ
fsr-3238	122	13	school	school	NOUN
fsr-3238	122	14	,	,	PUNCT
fsr-3238	122	15	high	high	ADJ
fsr-3238	122	16	school	school	NOUN
fsr-3238	122	17	graduate	graduate	NOUN
fsr-3238	122	18	,	,	PUNCT
fsr-3238	122	19	some	some	DET
fsr-3238	122	20	college	college	NOUN
fsr-3238	122	21	,	,	PUNCT
fsr-3238	122	22	bachelor	bachelor	NOUN
fsr-3238	122	23	degree	degree	NOUN
fsr-3238	122	24	,	,	PUNCT
fsr-3238	122	25	and	and	CCONJ
fsr-3238	122	26	post	post	ADJ
fsr-3238	122	27	-	-	ADJ
fsr-3238	122	28	bachelor	bachelor	ADJ
fsr-3238	122	29	degree	degree	NOUN
fsr-3238	122	30	.	.	PUNCT
fsr-3238	123	1	for	for	ADP
fsr-3238	123	2	multivariate	multivariate	NOUN
fsr-3238	123	3	analysis	analysis	NOUN
fsr-3238	123	4	,	,	PUNCT
fsr-3238	123	5	we	we	PRON
fsr-3238	123	6	use	use	VERB
fsr-3238	123	7	a	a	DET
fsr-3238	123	8	continuous	continuous	ADJ
fsr-3238	123	9	variable	variable	NOUN
fsr-3238	123	10	,	,	PUNCT
fsr-3238	123	11	years	year	NOUN
fsr-3238	123	12	of	of	ADP
fsr-3238	123	13	education	education	NOUN
fsr-3238	123	14	of	of	ADP
fsr-3238	123	15	the	the	DET
fsr-3238	123	16	head	head	NOUN
fsr-3238	123	17	.	.	PUNCT
fsr-3238	124	1	huston	huston	PROPN
fsr-3238	124	2	,	,	PUNCT
fsr-3238	124	3	finke	finke	PROPN
fsr-3238	124	4	,	,	PUNCT
fsr-3238	124	5	and	and	CCONJ
fsr-3238	124	6	smith	smith	PROPN
fsr-3238	124	7	(	(	PUNCT
fsr-3238	124	8	2012	2012	NUM
fsr-3238	124	9	)	)	PUNCT
fsr-3238	124	10	propose	propose	VERB
fsr-3238	124	11	that	that	SCONJ
fsr-3238	124	12	the	the	DET
fsr-3238	124	13	interviewer	interviewer	NOUN
fsr-3238	124	14	’s	’s	PART
fsr-3238	124	15	assessment	assessment	NOUN
fsr-3238	124	16	of	of	ADP
fsr-3238	124	17	how	how	SCONJ
fsr-3238	124	18	well	well	ADV
fsr-3238	124	19	the	the	DET
fsr-3238	124	20	respondent	respondent	NOUN
fsr-3238	124	21	understands	understand	VERB
fsr-3238	124	22	the	the	DET
fsr-3238	124	23	scf	scf	PROPN
fsr-3238	124	24	survey	survey	NOUN
fsr-3238	124	25	questions	question	NOUN
fsr-3238	124	26	is	be	AUX
fsr-3238	124	27	a	a	DET
fsr-3238	124	28	proxy	proxy	NOUN
fsr-3238	124	29	for	for	ADP
fsr-3238	124	30	financial	financial	ADJ
fsr-3238	124	31	sophistication	sophistication	NOUN
fsr-3238	124	32	,	,	PUNCT
fsr-3238	124	33	because	because	SCONJ
fsr-3238	124	34	it	it	PRON
fsr-3238	124	35	is	be	AUX
fsr-3238	124	36	related	relate	VERB
fsr-3238	124	37	to	to	ADP
fsr-3238	124	38	the	the	DET
fsr-3238	124	39	respondent	respondent	NOUN
fsr-3238	124	40	’s	’s	PART
fsr-3238	124	41	understanding	understanding	NOUN
fsr-3238	124	42	of	of	ADP
fsr-3238	124	43	personal	personal	ADJ
fsr-3238	124	44	finance	finance	NOUN
fsr-3238	124	45	.	.	PUNCT
fsr-3238	125	1	kim	kim	PROPN
fsr-3238	125	2	and	and	CCONJ
fsr-3238	125	3	hanna	hanna	PROPN
fsr-3238	125	4	(	(	PUNCT
fsr-3238	125	5	2013	2013	NUM
fsr-3238	125	6	)	)	PUNCT
fsr-3238	125	7	use	use	VERB
fsr-3238	125	8	this	this	DET
fsr-3238	125	9	variable	variable	NOUN
fsr-3238	125	10	in	in	ADP
fsr-3238	125	11	a	a	DET
fsr-3238	125	12	retirement	retirement	NOUN
fsr-3238	125	13	adequacy	adequacy	NOUN
fsr-3238	125	14	study	study	NOUN
fsr-3238	125	15	.	.	PUNCT
fsr-3238	126	1	the	the	DET
fsr-3238	126	2	variable	variable	NOUN
fsr-3238	126	3	has	have	VERB
fsr-3238	126	4	four	four	NUM
fsr-3238	126	5	levels	level	NOUN
fsr-3238	126	6	of	of	ADP
fsr-3238	126	7	understanding	understanding	NOUN
fsr-3238	126	8	of	of	ADP
fsr-3238	126	9	scf	scf	PROPN
fsr-3238	126	10	questions	question	NOUN
fsr-3238	126	11	:	:	PUNCT
fsr-3238	126	12	excellent	excellent	ADJ
fsr-3238	126	13	,	,	PUNCT
fsr-3238	126	14	good	good	ADJ
fsr-3238	126	15	,	,	PUNCT
fsr-3238	126	16	fair	fair	ADJ
fsr-3238	126	17	,	,	PUNCT
fsr-3238	126	18	and	and	CCONJ
fsr-3238	126	19	poor	poor	ADJ
fsr-3238	126	20	.	.	PUNCT
fsr-3238	127	1	for	for	ADP
fsr-3238	127	2	the	the	DET
fsr-3238	127	3	purpose	purpose	NOUN
fsr-3238	127	4	of	of	ADP
fsr-3238	127	5	this	this	DET
fsr-3238	127	6	study	study	NOUN
fsr-3238	127	7	,	,	PUNCT
fsr-3238	127	8	we	we	PRON
fsr-3238	127	9	code	code	VERB
fsr-3238	127	10	it	it	PRON
fsr-3238	127	11	as	as	ADP
fsr-3238	127	12	a	a	DET
fsr-3238	127	13	binary	binary	ADJ
fsr-3238	127	14	variable	variable	NOUN
fsr-3238	127	15	because	because	SCONJ
fsr-3238	127	16	of	of	ADP
fsr-3238	127	17	the	the	DET
fsr-3238	127	18	distribution	distribution	NOUN
fsr-3238	127	19	of	of	ADP
fsr-3238	127	20	responses	response	NOUN
fsr-3238	127	21	;	;	PUNCT
fsr-3238	127	22	it	it	PRON
fsr-3238	127	23	is	be	AUX
fsr-3238	127	24	coded	code	VERB
fsr-3238	127	25	as	as	ADP
fsr-3238	127	26	good	good	ADJ
fsr-3238	127	27	understanding	understanding	NOUN
fsr-3238	127	28	if	if	SCONJ
fsr-3238	127	29	the	the	DET
fsr-3238	127	30	assessment	assessment	NOUN
fsr-3238	127	31	is	be	AUX
fsr-3238	127	32	excellent	excellent	ADJ
fsr-3238	127	33	or	or	CCONJ
fsr-3238	127	34	good	good	ADJ
fsr-3238	127	35	,	,	PUNCT
fsr-3238	127	36	and	and	CCONJ
fsr-3238	127	37	as	as	ADP
fsr-3238	127	38	poor	poor	ADJ
fsr-3238	127	39	understanding	understanding	NOUN
fsr-3238	127	40	if	if	SCONJ
fsr-3238	127	41	the	the	DET
fsr-3238	127	42	response	response	NOUN
fsr-3238	127	43	is	be	AUX
fsr-3238	127	44	fair	fair	ADJ
fsr-3238	127	45	or	or	CCONJ
fsr-3238	127	46	poor	poor	ADJ
fsr-3238	127	47	understanding	understanding	NOUN
fsr-3238	127	48	of	of	ADP
fsr-3238	127	49	the	the	DET
fsr-3238	127	50	scf	scf	PROPN
fsr-3238	127	51	survey	survey	NOUN
fsr-3238	127	52	.	.	PUNCT
fsr-3238	128	1	we	we	PRON
fsr-3238	128	2	also	also	ADV
fsr-3238	128	3	include	include	VERB
fsr-3238	128	4	use	use	NOUN
fsr-3238	128	5	of	of	ADP
fsr-3238	128	6	a	a	DET
fsr-3238	128	7	financial	financial	ADJ
fsr-3238	128	8	planner	planner	NOUN
fsr-3238	128	9	for	for	ADP
fsr-3238	128	10	saving	saving	NOUN
fsr-3238	128	11	and	and	CCONJ
fsr-3238	128	12	investment	investment	NOUN
fsr-3238	128	13	decision	decision	NOUN
fsr-3238	128	14	as	as	ADP
fsr-3238	128	15	a	a	DET
fsr-3238	128	16	proxy	proxy	NOUN
fsr-3238	128	17	for	for	ADP
fsr-3238	128	18	the	the	DET
fsr-3238	128	19	ability	ability	NOUN
fsr-3238	128	20	to	to	PART
fsr-3238	128	21	judge	judge	VERB
fsr-3238	128	22	retirement	retirement	NOUN
fsr-3238	128	23	adequacy	adequacy	NOUN
fsr-3238	128	24	.	.	PUNCT
fsr-3238	129	1	use	use	NOUN
fsr-3238	129	2	of	of	ADP
fsr-3238	129	3	a	a	DET
fsr-3238	129	4	financial	financial	ADJ
fsr-3238	129	5	planner	planner	NOUN
fsr-3238	129	6	is	be	AUX
fsr-3238	129	7	not	not	PART
fsr-3238	129	8	necessarily	necessarily	ADV
fsr-3238	129	9	a	a	DET
fsr-3238	129	10	substitute	substitute	NOUN
fsr-3238	129	11	for	for	ADP
fsr-3238	129	12	financial	financial	ADJ
fsr-3238	129	13	literacy	literacy	NOUN
fsr-3238	129	14	(	(	PUNCT
fsr-3238	129	15	collins	collin	NOUN
fsr-3238	129	16	,	,	PUNCT
fsr-3238	129	17	2012	2012	NUM
fsr-3238	129	18	)	)	PUNCT
fsr-3238	129	19	,	,	PUNCT
fsr-3238	129	20	and	and	CCONJ
fsr-3238	129	21	hanna	hanna	PROPN
fsr-3238	129	22	(	(	PUNCT
fsr-3238	129	23	2011	2011	NUM
fsr-3238	129	24	)	)	PUNCT
fsr-3238	129	25	reports	report	VERB
fsr-3238	129	26	that	that	SCONJ
fsr-3238	129	27	controlling	control	VERB
fsr-3238	129	28	for	for	ADP
fsr-3238	129	29	other	other	ADJ
fsr-3238	129	30	factors	factor	NOUN
fsr-3238	129	31	,	,	PUNCT
fsr-3238	129	32	use	use	NOUN
fsr-3238	129	33	of	of	ADP
fsr-3238	129	34	a	a	DET
fsr-3238	129	35	financial	financial	ADJ
fsr-3238	129	36	planner	planner	NOUN
fsr-3238	129	37	increases	increase	VERB
fsr-3238	129	38	with	with	ADP
fsr-3238	129	39	education	education	NOUN
fsr-3238	129	40	.	.	PUNCT
fsr-3238	130	1	it	it	PRON
fsr-3238	130	2	is	be	AUX
fsr-3238	130	3	possible	possible	ADJ
fsr-3238	130	4	that	that	SCONJ
fsr-3238	130	5	a	a	DET
fsr-3238	130	6	financial	financial	ADJ
fsr-3238	130	7	planner	planner	NOUN
fsr-3238	130	8	might	might	AUX
fsr-3238	130	9	give	give	VERB
fsr-3238	130	10	a	a	DET
fsr-3238	130	11	client	client	NOUN
fsr-3238	130	12	a	a	DET
fsr-3238	130	13	false	false	ADJ
fsr-3238	130	14	sense	sense	NOUN
fsr-3238	130	15	of	of	ADP
fsr-3238	130	16	confidence	confidence	NOUN
fsr-3238	130	17	(	(	PUNCT
fsr-3238	130	18	e.g.	e.g.	ADV
fsr-3238	130	19	,	,	PUNCT
fsr-3238	130	20	cordell	cordell	PROPN
fsr-3238	130	21	,	,	PUNCT
fsr-3238	130	22	smith	smith	PROPN
fsr-3238	130	23	,	,	PUNCT
fsr-3238	130	24	and	and	CCONJ
fsr-3238	130	25	terry	terry	PROPN
fsr-3238	130	26	,	,	PUNCT
fsr-3238	130	27	2011	2011	NUM
fsr-3238	130	28	)	)	PUNCT
fsr-3238	130	29	.	.	PUNCT
fsr-3238	131	1	in	in	ADP
fsr-3238	131	2	the	the	DET
fsr-3238	131	3	scf	scf	PROPN
fsr-3238	131	4	measure	measure	NOUN
fsr-3238	131	5	,	,	PUNCT
fsr-3238	131	6	it	it	PRON
fsr-3238	131	7	is	be	AUX
fsr-3238	131	8	not	not	PART
fsr-3238	131	9	possible	possible	ADJ
fsr-3238	131	10	to	to	PART
fsr-3238	131	11	identify	identify	VERB
fsr-3238	131	12	the	the	DET
fsr-3238	131	13	qualifications	qualification	NOUN
fsr-3238	131	14	of	of	ADP
fsr-3238	131	15	financial	financial	ADJ
fsr-3238	131	16	planners	planner	NOUN
fsr-3238	131	17	that	that	PRON
fsr-3238	131	18	respondents	respondent	NOUN
fsr-3238	131	19	report	report	VERB
fsr-3238	131	20	using	use	VERB
fsr-3238	131	21	.	.	PUNCT
fsr-3238	132	1	however	however	ADV
fsr-3238	132	2	,	,	PUNCT
fsr-3238	132	3	it	it	PRON
fsr-3238	132	4	is	be	AUX
fsr-3238	132	5	plausible	plausible	ADJ
fsr-3238	132	6	that	that	SCONJ
fsr-3238	132	7	use	use	NOUN
fsr-3238	132	8	of	of	ADP
fsr-3238	132	9	a	a	DET
fsr-3238	132	10	financial	financial	ADJ
fsr-3238	132	11	planner	planner	NOUN
fsr-3238	132	12	should	should	AUX
fsr-3238	132	13	tend	tend	VERB
fsr-3238	132	14	to	to	PART
fsr-3238	132	15	improve	improve	VERB
fsr-3238	132	16	a	a	DET
fsr-3238	132	17	worker	worker	NOUN
fsr-3238	132	18	’s	’s	PART
fsr-3238	132	19	ability	ability	NOUN
fsr-3238	132	20	to	to	PART
fsr-3238	132	21	judge	judge	VERB
fsr-3238	132	22	retirement	retirement	NOUN
fsr-3238	132	23	adequacy	adequacy	NOUN
fsr-3238	132	24	.	.	PUNCT
fsr-3238	133	1	some	some	DET
fsr-3238	133	2	demographic	demographic	ADJ
fsr-3238	133	3	variables	variable	NOUN
fsr-3238	133	4	may	may	AUX
fsr-3238	133	5	be	be	AUX
fsr-3238	133	6	related	relate	VERB
fsr-3238	133	7	to	to	ADP
fsr-3238	133	8	the	the	DET
fsr-3238	133	9	experience	experience	NOUN
fsr-3238	133	10	of	of	ADP
fsr-3238	133	11	the	the	DET
fsr-3238	133	12	household	household	NOUN
fsr-3238	133	13	,	,	PUNCT
fsr-3238	133	14	and	and	CCONJ
fsr-3238	133	15	145k.t	145k.t	NUM
fsr-3238	133	16	.	.	PUNCT
fsr-3238	134	1	kim	kim	PROPN
fsr-3238	134	2	,	,	PUNCT
fsr-3238	134	3	s.d	s.d	PROPN
fsr-3238	134	4	.	.	PROPN
fsr-3238	134	5	hanna	hanna	PROPN
fsr-3238	134	6	/	/	SYM
fsr-3238	134	7	financial	financial	ADJ
fsr-3238	134	8	services	service	NOUN
fsr-3238	134	9	review	review	VERB
fsr-3238	134	10	24	24	NUM
fsr-3238	134	11	(	(	PUNCT
fsr-3238	134	12	2015	2015	NUM
fsr-3238	134	13	)	)	PUNCT
fsr-3238	135	1	139–155	139–155	NUM
fsr-3238	135	2	therefore	therefore	ADV
fsr-3238	135	3	might	might	AUX
fsr-3238	135	4	be	be	AUX
fsr-3238	135	5	plausibly	plausibly	ADV
fsr-3238	135	6	related	relate	VERB
fsr-3238	135	7	to	to	ADP
fsr-3238	135	8	the	the	DET
fsr-3238	135	9	ability	ability	NOUN
fsr-3238	135	10	to	to	PART
fsr-3238	135	11	judge	judge	VERB
fsr-3238	135	12	retirement	retirement	NOUN
fsr-3238	135	13	adequacy	adequacy	NOUN
fsr-3238	135	14	.	.	PUNCT
fsr-3238	136	1	presumably	presumably	ADV
fsr-3238	136	2	as	as	ADP
fsr-3238	136	3	one	one	NUM
fsr-3238	136	4	ages	age	NOUN
fsr-3238	136	5	,	,	PUNCT
fsr-3238	136	6	experience	experience	NOUN
fsr-3238	136	7	will	will	AUX
fsr-3238	136	8	lead	lead	VERB
fsr-3238	136	9	to	to	ADP
fsr-3238	136	10	a	a	DET
fsr-3238	136	11	better	well	ADJ
fsr-3238	136	12	ability	ability	NOUN
fsr-3238	136	13	to	to	PART
fsr-3238	136	14	judge	judge	VERB
fsr-3238	136	15	retirement	retirement	NOUN
fsr-3238	136	16	adequacy	adequacy	NOUN
fsr-3238	136	17	.	.	PUNCT
fsr-3238	137	1	however	however	ADV
fsr-3238	137	2	,	,	PUNCT
fsr-3238	137	3	fluid	fluid	ADJ
fsr-3238	137	4	intelligence	intelligence	NOUN
fsr-3238	137	5	decreases	decrease	VERB
fsr-3238	137	6	with	with	ADP
fsr-3238	137	7	age	age	NOUN
fsr-3238	137	8	among	among	ADP
fsr-3238	137	9	adults	adult	NOUN
fsr-3238	137	10	(	(	PUNCT
fsr-3238	137	11	mcardle	mcardle	PROPN
fsr-3238	137	12	et	et	PROPN
fsr-3238	137	13	al	al	PROPN
fsr-3238	137	14	.	.	PROPN
fsr-3238	137	15	,	,	PUNCT
fsr-3238	137	16	2011	2011	NUM
fsr-3238	137	17	,	,	PUNCT
fsr-3238	137	18	p.	p.	NOUN
fsr-3238	137	19	213	213	NUM
fsr-3238	137	20	)	)	PUNCT
fsr-3238	137	21	.	.	PUNCT
fsr-3238	138	1	agarwal	agarwal	PROPN
fsr-3238	138	2	,	,	PUNCT
fsr-3238	138	3	driscoll	driscoll	NOUN
fsr-3238	138	4	,	,	PUNCT
fsr-3238	138	5	gabaix	gabaix	NOUN
fsr-3238	138	6	,	,	PUNCT
fsr-3238	138	7	and	and	CCONJ
fsr-3238	138	8	laibson	laibson	NOUN
fsr-3238	138	9	(	(	PUNCT
fsr-3238	138	10	2009	2009	NUM
fsr-3238	138	11	)	)	PUNCT
fsr-3238	138	12	suggest	suggest	VERB
fsr-3238	138	13	that	that	SCONJ
fsr-3238	138	14	the	the	DET
fsr-3238	138	15	combined	combined	ADJ
fsr-3238	138	16	effect	effect	NOUN
fsr-3238	138	17	of	of	ADP
fsr-3238	138	18	decreasing	decrease	VERB
fsr-3238	138	19	cognitive	cognitive	ADJ
fsr-3238	138	20	ability	ability	NOUN
fsr-3238	138	21	and	and	CCONJ
fsr-3238	138	22	increasing	increase	VERB
fsr-3238	138	23	experience	experience	NOUN
fsr-3238	138	24	results	result	NOUN
fsr-3238	138	25	in	in	ADP
fsr-3238	138	26	the	the	DET
fsr-3238	138	27	incidence	incidence	NOUN
fsr-3238	138	28	of	of	ADP
fsr-3238	138	29	financial	financial	ADJ
fsr-3238	138	30	mistakes	mistake	NOUN
fsr-3238	138	31	decreasing	decrease	VERB
fsr-3238	138	32	until	until	ADP
fsr-3238	138	33	age	age	NOUN
fsr-3238	138	34	53	53	NUM
fsr-3238	138	35	,	,	PUNCT
fsr-3238	138	36	then	then	ADV
fsr-3238	138	37	increasing	increase	VERB
fsr-3238	138	38	.	.	PUNCT
fsr-3238	139	1	for	for	ADP
fsr-3238	139	2	descriptive	descriptive	ADJ
fsr-3238	139	3	analyses	analysis	NOUN
fsr-3238	139	4	,	,	PUNCT
fsr-3238	139	5	we	we	PRON
fsr-3238	139	6	categorize	categorize	VERB
fsr-3238	139	7	age	age	NOUN
fsr-3238	139	8	of	of	ADP
fsr-3238	139	9	the	the	DET
fsr-3238	139	10	household	household	NOUN
fsr-3238	139	11	head	head	NOUN
fsr-3238	139	12	into	into	ADP
fsr-3238	139	13	three	three	NUM
fsr-3238	139	14	categories	category	NOUN
fsr-3238	139	15	:	:	PUNCT
fsr-3238	139	16	35–44	35–44	NUM
fsr-3238	139	17	,	,	PUNCT
fsr-3238	139	18	45–54	45–54	NUM
fsr-3238	139	19	,	,	PUNCT
fsr-3238	139	20	and	and	CCONJ
fsr-3238	139	21	55–60	55–60	NUM
fsr-3238	139	22	.	.	PUNCT
fsr-3238	140	1	for	for	ADP
fsr-3238	140	2	multivariate	multivariate	NOUN
fsr-3238	140	3	analysis	analysis	NOUN
fsr-3238	140	4	,	,	PUNCT
fsr-3238	140	5	we	we	PRON
fsr-3238	140	6	use	use	VERB
fsr-3238	140	7	age	age	NOUN
fsr-3238	140	8	as	as	ADP
fsr-3238	140	9	a	a	DET
fsr-3238	140	10	continuous	continuous	ADJ
fsr-3238	140	11	variable	variable	NOUN
fsr-3238	140	12	.	.	PUNCT
fsr-3238	141	1	of	of	ADP
fsr-3238	141	2	the	the	DET
fsr-3238	141	3	four	four	NUM
fsr-3238	141	4	racial	racial	ADJ
fsr-3238	141	5	/	/	SYM
fsr-3238	141	6	ethnic	ethnic	ADJ
fsr-3238	141	7	groups	group	NOUN
fsr-3238	141	8	identified	identify	VERB
fsr-3238	141	9	in	in	ADP
fsr-3238	141	10	the	the	DET
fsr-3238	141	11	scf	scf	PROPN
fsr-3238	141	12	,	,	PUNCT
fsr-3238	141	13	white	white	ADJ
fsr-3238	141	14	,	,	PUNCT
fsr-3238	141	15	black	black	ADJ
fsr-3238	141	16	,	,	PUNCT
fsr-3238	141	17	hispanic	hispanic	ADJ
fsr-3238	141	18	,	,	PUNCT
fsr-3238	141	19	and	and	CCONJ
fsr-3238	141	20	asian	asian	ADJ
fsr-3238	141	21	/	/	SYM
fsr-3238	141	22	other	other	ADJ
fsr-3238	141	23	,	,	PUNCT
fsr-3238	141	24	it	it	PRON
fsr-3238	141	25	is	be	AUX
fsr-3238	141	26	plausible	plausible	ADJ
fsr-3238	141	27	that	that	SCONJ
fsr-3238	141	28	whites	white	NOUN
fsr-3238	141	29	have	have	VERB
fsr-3238	141	30	the	the	DET
fsr-3238	141	31	most	most	ADJ
fsr-3238	141	32	experience	experience	NOUN
fsr-3238	141	33	in	in	ADP
fsr-3238	141	34	dealing	deal	VERB
fsr-3238	141	35	with	with	ADP
fsr-3238	141	36	investments	investment	NOUN
fsr-3238	141	37	,	,	PUNCT
fsr-3238	141	38	and	and	CCONJ
fsr-3238	141	39	so	so	ADV
fsr-3238	141	40	forth	forth	ADV
fsr-3238	141	41	(	(	PUNCT
fsr-3238	141	42	hanna	hanna	NOUN
fsr-3238	141	43	and	and	CCONJ
fsr-3238	141	44	lindamood	lindamood	NOUN
fsr-3238	141	45	,	,	PUNCT
fsr-3238	141	46	2008	2008	NUM
fsr-3238	141	47	;	;	PUNCT
fsr-3238	141	48	yao	yao	NOUN
fsr-3238	141	49	,	,	PUNCT
fsr-3238	141	50	gutter	gutter	NOUN
fsr-3238	141	51	,	,	PUNCT
fsr-3238	141	52	and	and	CCONJ
fsr-3238	141	53	hanna	hanna	PROPN
fsr-3238	141	54	,	,	PUNCT
fsr-3238	141	55	2005	2005	NUM
fsr-3238	141	56	)	)	PUNCT
fsr-3238	141	57	.	.	PUNCT
fsr-3238	142	1	for	for	ADP
fsr-3238	142	2	the	the	DET
fsr-3238	142	3	multivariate	multivariate	NOUN
fsr-3238	142	4	analysis	analysis	NOUN
fsr-3238	142	5	,	,	PUNCT
fsr-3238	142	6	to	to	PART
fsr-3238	142	7	obtain	obtain	VERB
fsr-3238	142	8	more	more	ADV
fsr-3238	142	9	robust	robust	ADJ
fsr-3238	142	10	estimates	estimate	NOUN
fsr-3238	142	11	of	of	ADP
fsr-3238	142	12	effects	effect	NOUN
fsr-3238	142	13	,	,	PUNCT
fsr-3238	142	14	a	a	DET
fsr-3238	142	15	binary	binary	ADJ
fsr-3238	142	16	variable	variable	NOUN
fsr-3238	142	17	of	of	ADP
fsr-3238	142	18	racial	racial	ADJ
fsr-3238	142	19	/	/	SYM
fsr-3238	142	20	ethnic	ethnic	ADJ
fsr-3238	142	21	group	group	NOUN
fsr-3238	142	22	is	be	AUX
fsr-3238	142	23	created	create	VERB
fsr-3238	142	24	:	:	PUNCT
fsr-3238	142	25	white	white	ADJ
fsr-3238	142	26	versus	versus	ADP
fsr-3238	142	27	combination	combination	NOUN
fsr-3238	142	28	of	of	ADP
fsr-3238	142	29	other	other	ADJ
fsr-3238	142	30	three	three	NUM
fsr-3238	142	31	race	race	NOUN
fsr-3238	142	32	categories	category	NOUN
fsr-3238	142	33	.	.	PUNCT
fsr-3238	143	1	we	we	PRON
fsr-3238	143	2	include	include	VERB
fsr-3238	143	3	a	a	DET
fsr-3238	143	4	number	number	NOUN
fsr-3238	143	5	of	of	ADP
fsr-3238	143	6	other	other	ADJ
fsr-3238	143	7	variables	variable	NOUN
fsr-3238	143	8	as	as	ADP
fsr-3238	143	9	controls	control	NOUN
fsr-3238	143	10	.	.	PUNCT
fsr-3238	144	1	marital	marital	ADJ
fsr-3238	144	2	status	status	NOUN
fsr-3238	144	3	is	be	AUX
fsr-3238	144	4	measured	measure	VERB
fsr-3238	144	5	by	by	ADP
fsr-3238	144	6	using	use	VERB
fsr-3238	144	7	four	four	NUM
fsr-3238	144	8	categories	category	NOUN
fsr-3238	144	9	:	:	PUNCT
fsr-3238	144	10	married	married	ADJ
fsr-3238	144	11	couple	couple	NOUN
fsr-3238	144	12	,	,	PUNCT
fsr-3238	144	13	female	female	ADJ
fsr-3238	144	14	or	or	CCONJ
fsr-3238	144	15	male	male	ADJ
fsr-3238	144	16	single	single	ADJ
fsr-3238	144	17	household	household	NOUN
fsr-3238	144	18	and	and	CCONJ
fsr-3238	144	19	partner	partner	NOUN
fsr-3238	144	20	.	.	PUNCT
fsr-3238	145	1	employment	employment	NOUN
fsr-3238	145	2	status	status	NOUN
fsr-3238	145	3	of	of	ADP
fsr-3238	145	4	household	household	NOUN
fsr-3238	145	5	head	head	NOUN
fsr-3238	145	6	is	be	AUX
fsr-3238	145	7	measured	measure	VERB
fsr-3238	145	8	with	with	ADP
fsr-3238	145	9	binary	binary	ADJ
fsr-3238	145	10	variables	variable	NOUN
fsr-3238	145	11	:	:	PUNCT
fsr-3238	145	12	employed	employed	ADJ
fsr-3238	145	13	and	and	CCONJ
fsr-3238	145	14	self	self	NOUN
fsr-3238	145	15	-	-	PUNCT
fsr-3238	145	16	employed	employ	VERB
fsr-3238	145	17	.	.	PUNCT
fsr-3238	146	1	economic	economic	ADJ
fsr-3238	146	2	status	status	NOUN
fsr-3238	146	3	variables	variable	NOUN
fsr-3238	146	4	include	include	VERB
fsr-3238	146	5	normal	normal	ADJ
fsr-3238	146	6	income	income	NOUN
fsr-3238	146	7	and	and	CCONJ
fsr-3238	146	8	retirement	retirement	NOUN
fsr-3238	146	9	planning	planning	NOUN
fsr-3238	146	10	variables	variable	NOUN
fsr-3238	146	11	.	.	PUNCT
fsr-3238	147	1	to	to	PART
fsr-3238	147	2	capture	capture	VERB
fsr-3238	147	3	the	the	DET
fsr-3238	147	4	possible	possible	ADJ
fsr-3238	147	5	nonlinearity	nonlinearity	NOUN
fsr-3238	147	6	of	of	ADP
fsr-3238	147	7	the	the	DET
fsr-3238	147	8	relationship	relationship	NOUN
fsr-3238	147	9	,	,	PUNCT
fsr-3238	147	10	household	household	NOUN
fsr-3238	147	11	income	income	NOUN
fsr-3238	147	12	is	be	AUX
fsr-3238	147	13	transformed	transform	VERB
fsr-3238	147	14	into	into	ADP
fsr-3238	147	15	the	the	DET
fsr-3238	147	16	natural	natural	ADJ
fsr-3238	147	17	log	log	NOUN
fsr-3238	147	18	of	of	ADP
fsr-3238	147	19	normal	normal	ADJ
fsr-3238	147	20	income	income	NOUN
fsr-3238	147	21	.	.	PUNCT
fsr-3238	148	1	retirement	retirement	NOUN
fsr-3238	148	2	variables	variable	NOUN
fsr-3238	148	3	consist	consist	VERB
fsr-3238	148	4	of	of	ADP
fsr-3238	148	5	having	have	VERB
fsr-3238	148	6	a	a	DET
fsr-3238	148	7	defined	define	VERB
fsr-3238	148	8	benefit	benefit	NOUN
fsr-3238	148	9	pension	pension	NOUN
fsr-3238	148	10	,	,	PUNCT
fsr-3238	148	11	having	have	VERB
fsr-3238	148	12	a	a	DET
fsr-3238	148	13	defined	define	VERB
fsr-3238	148	14	contribution	contribution	NOUN
fsr-3238	148	15	pension	pension	NOUN
fsr-3238	148	16	,	,	PUNCT
fsr-3238	148	17	and	and	CCONJ
fsr-3238	148	18	expected	expect	VERB
fsr-3238	148	19	retirement	retirement	NOUN
fsr-3238	148	20	age	age	NOUN
fsr-3238	148	21	.	.	PUNCT
fsr-3238	149	1	the	the	DET
fsr-3238	149	2	expected	expect	VERB
fsr-3238	149	3	retirement	retirement	NOUN
fsr-3238	149	4	age	age	NOUN
fsr-3238	149	5	includes	include	VERB
fsr-3238	149	6	four	four	NUM
fsr-3238	149	7	categories	category	NOUN
fsr-3238	149	8	partly	partly	ADV
fsr-3238	149	9	based	base	VERB
fsr-3238	149	10	on	on	ADP
fsr-3238	149	11	social	social	ADJ
fsr-3238	149	12	security	security	NOUN
fsr-3238	149	13	benefit	benefit	NOUN
fsr-3238	149	14	rules	rule	NOUN
fsr-3238	149	15	:	:	PUNCT
fsr-3238	149	16	before	before	ADP
fsr-3238	149	17	62	62	NUM
fsr-3238	149	18	,	,	PUNCT
fsr-3238	149	19	between	between	ADP
fsr-3238	149	20	62	62	NUM
fsr-3238	149	21	and	and	CCONJ
fsr-3238	149	22	65	65	NUM
fsr-3238	149	23	,	,	PUNCT
fsr-3238	149	24	over	over	ADP
fsr-3238	149	25	65	65	NUM
fsr-3238	149	26	,	,	PUNCT
fsr-3238	149	27	and	and	CCONJ
fsr-3238	149	28	“	"	PUNCT
fsr-3238	149	29	never	never	ADV
fsr-3238	149	30	retire	retire	VERB
fsr-3238	149	31	.	.	PUNCT
fsr-3238	149	32	”	"	PUNCT
fsr-3238	150	1	financial	financial	ADJ
fsr-3238	150	2	attitude	attitude	NOUN
fsr-3238	150	3	variables	variable	NOUN
fsr-3238	150	4	include	include	VERB
fsr-3238	150	5	spending	spend	VERB
fsr-3238	150	6	behavior	behavior	NOUN
fsr-3238	150	7	,	,	PUNCT
fsr-3238	150	8	saving	save	VERB
fsr-3238	150	9	for	for	ADP
fsr-3238	150	10	retirement	retirement	NOUN
fsr-3238	150	11	,	,	PUNCT
fsr-3238	150	12	and	and	CCONJ
fsr-3238	150	13	the	the	DET
fsr-3238	150	14	respondent	respondent	NOUN
fsr-3238	150	15	’s	’s	PART
fsr-3238	150	16	risk	risk	NOUN
fsr-3238	150	17	tolerance	tolerance	NOUN
fsr-3238	150	18	.	.	PUNCT
fsr-3238	151	1	the	the	DET
fsr-3238	151	2	spending	spend	VERB
fsr-3238	151	3	behavior	behavior	NOUN
fsr-3238	151	4	includes	include	VERB
fsr-3238	151	5	three	three	NUM
fsr-3238	151	6	categories	category	NOUN
fsr-3238	151	7	:	:	PUNCT
fsr-3238	151	8	reported	report	VERB
fsr-3238	151	9	spending	spending	NOUN
fsr-3238	151	10	is	be	AUX
fsr-3238	151	11	greater	great	ADJ
fsr-3238	151	12	than	than	ADP
fsr-3238	151	13	income	income	NOUN
fsr-3238	151	14	(	(	PUNCT
fsr-3238	151	15	deficit	deficit	NOUN
fsr-3238	151	16	)	)	PUNCT
fsr-3238	151	17	,	,	PUNCT
fsr-3238	151	18	spending	spending	NOUN
fsr-3238	151	19	is	be	AUX
fsr-3238	151	20	equal	equal	ADJ
fsr-3238	151	21	to	to	ADP
fsr-3238	151	22	income	income	NOUN
fsr-3238	151	23	,	,	PUNCT
fsr-3238	151	24	and	and	CCONJ
fsr-3238	151	25	spending	spending	NOUN
fsr-3238	151	26	is	be	AUX
fsr-3238	151	27	less	less	ADJ
fsr-3238	151	28	than	than	ADP
fsr-3238	151	29	income	income	NOUN
fsr-3238	151	30	(	(	PUNCT
fsr-3238	151	31	surplus	surplus	NOUN
fsr-3238	151	32	)	)	PUNCT
fsr-3238	151	33	.	.	PUNCT
fsr-3238	152	1	households	household	NOUN
fsr-3238	152	2	who	who	PRON
fsr-3238	152	3	report	report	VERB
fsr-3238	152	4	retirement	retirement	NOUN
fsr-3238	152	5	as	as	ADP
fsr-3238	152	6	a	a	DET
fsr-3238	152	7	savings	saving	NOUN
fsr-3238	152	8	goal	goal	NOUN
fsr-3238	152	9	are	be	AUX
fsr-3238	152	10	coded	code	VERB
fsr-3238	152	11	saving	save	VERB
fsr-3238	152	12	for	for	ADP
fsr-3238	152	13	retirement	retirement	NOUN
fsr-3238	152	14	.	.	PUNCT
fsr-3238	153	1	the	the	DET
fsr-3238	153	2	level	level	NOUN
fsr-3238	153	3	of	of	ADP
fsr-3238	153	4	risk	risk	NOUN
fsr-3238	153	5	tolerance	tolerance	NOUN
fsr-3238	153	6	is	be	AUX
fsr-3238	153	7	measured	measure	VERB
fsr-3238	153	8	as	as	ADP
fsr-3238	153	9	four	four	NUM
fsr-3238	153	10	dummy	dummy	ADJ
fsr-3238	153	11	variables	variable	NOUN
fsr-3238	153	12	for	for	ADP
fsr-3238	153	13	no	no	DET
fsr-3238	153	14	risk	risk	NOUN
fsr-3238	153	15	,	,	PUNCT
fsr-3238	153	16	average	average	ADJ
fsr-3238	153	17	,	,	PUNCT
fsr-3238	153	18	above	above	ADP
fsr-3238	153	19	average	average	ADJ
fsr-3238	153	20	,	,	PUNCT
fsr-3238	153	21	and	and	CCONJ
fsr-3238	153	22	substantial	substantial	ADJ
fsr-3238	153	23	risk	risk	NOUN
fsr-3238	153	24	.	.	PUNCT
fsr-3238	154	1	3.4	3.4	NUM
fsr-3238	154	2	.	.	PUNCT
fsr-3238	154	3	analysis	analysis	NOUN
fsr-3238	154	4	a	a	DET
fsr-3238	154	5	logistic	logistic	ADJ
fsr-3238	154	6	regression	regression	NOUN
fsr-3238	154	7	model	model	NOUN
fsr-3238	154	8	is	be	AUX
fsr-3238	154	9	used	use	VERB
fsr-3238	154	10	to	to	PART
fsr-3238	154	11	test	test	VERB
fsr-3238	154	12	the	the	DET
fsr-3238	154	13	effect	effect	NOUN
fsr-3238	154	14	of	of	ADP
fsr-3238	154	15	our	our	PRON
fsr-3238	154	16	selected	select	VERB
fsr-3238	154	17	explanatory	explanatory	ADJ
fsr-3238	154	18	variables	variable	NOUN
fsr-3238	154	19	on	on	ADP
fsr-3238	154	20	the	the	DET
fsr-3238	154	21	likelihood	likelihood	NOUN
fsr-3238	154	22	of	of	ADP
fsr-3238	154	23	being	be	AUX
fsr-3238	154	24	unrealistic	unrealistic	ADJ
fsr-3238	154	25	optimists	optimist	NOUN
fsr-3238	154	26	among	among	ADP
fsr-3238	154	27	households	household	NOUN
fsr-3238	154	28	with	with	ADP
fsr-3238	154	29	inadequate	inadequate	ADJ
fsr-3238	154	30	resources	resource	NOUN
fsr-3238	154	31	.	.	PUNCT
fsr-3238	155	1	we	we	PRON
fsr-3238	155	2	use	use	VERB
fsr-3238	155	3	the	the	DET
fsr-3238	155	4	repeated	repeat	VERB
fsr-3238	155	5	-	-	PUNCT
fsr-3238	155	6	imputation	imputation	NOUN
fsr-3238	155	7	inference	inference	NOUN
fsr-3238	155	8	(	(	PUNCT
fsr-3238	155	9	rii	rii	NOUN
fsr-3238	155	10	)	)	PUNCT
fsr-3238	155	11	method	method	NOUN
fsr-3238	155	12	,	,	PUNCT
fsr-3238	155	13	which	which	PRON
fsr-3238	155	14	provides	provide	VERB
fsr-3238	155	15	variance	variance	NOUN
fsr-3238	155	16	estimates	estimate	NOUN
fsr-3238	155	17	more	more	ADV
fsr-3238	155	18	closely	closely	ADV
fsr-3238	155	19	representing	represent	VERB
fsr-3238	155	20	the	the	DET
fsr-3238	155	21	true	true	ADJ
fsr-3238	155	22	variances	variance	NOUN
fsr-3238	155	23	than	than	ADP
fsr-3238	155	24	estimates	estimate	NOUN
fsr-3238	155	25	obtained	obtain	VERB
fsr-3238	155	26	by	by	ADP
fsr-3238	155	27	only	only	ADV
fsr-3238	155	28	one	one	NUM
fsr-3238	155	29	implicate	implicate	NOUN
fsr-3238	155	30	(	(	PUNCT
fsr-3238	155	31	lindamood	lindamood	ADV
fsr-3238	155	32	,	,	PUNCT
fsr-3238	155	33	hanna	hanna	NOUN
fsr-3238	155	34	,	,	PUNCT
fsr-3238	155	35	and	and	CCONJ
fsr-3238	155	36	bi	bi	NOUN
fsr-3238	155	37	,	,	PUNCT
fsr-3238	155	38	2007	2007	NUM
fsr-3238	155	39	)	)	PUNCT
fsr-3238	155	40	.	.	PUNCT
fsr-3238	156	1	means	mean	VERB
fsr-3238	156	2	tests	test	NOUN
fsr-3238	156	3	are	be	AUX
fsr-3238	156	4	used	use	VERB
fsr-3238	156	5	with	with	ADP
fsr-3238	156	6	the	the	DET
fsr-3238	156	7	rii	rii	NOUN
fsr-3238	156	8	technique	technique	NOUN
fsr-3238	156	9	to	to	PART
fsr-3238	156	10	examine	examine	VERB
fsr-3238	156	11	differences	difference	NOUN
fsr-3238	156	12	of	of	ADP
fsr-3238	156	13	the	the	DET
fsr-3238	156	14	projected	project	VERB
fsr-3238	156	15	retirement	retirement	NOUN
fsr-3238	156	16	adequacy	adequacy	NOUN
fsr-3238	156	17	between	between	ADP
fsr-3238	156	18	households	household	NOUN
fsr-3238	156	19	with	with	ADP
fsr-3238	156	20	different	different	ADJ
fsr-3238	156	21	perception	perception	NOUN
fsr-3238	156	22	of	of	ADP
fsr-3238	156	23	retirement	retirement	NOUN
fsr-3238	156	24	.	.	PUNCT
fsr-3238	157	1	our	our	PRON
fsr-3238	157	2	multivariate	multivariate	NOUN
fsr-3238	157	3	analysis	analysis	NOUN
fsr-3238	157	4	is	be	AUX
fsr-3238	157	5	unweighted	unweighte	VERB
fsr-3238	157	6	(	(	PUNCT
fsr-3238	157	7	lindamood	lindamood	NOUN
fsr-3238	157	8	et	et	PROPN
fsr-3238	157	9	al	al	PROPN
fsr-3238	157	10	.	.	PROPN
fsr-3238	157	11	,	,	PUNCT
fsr-3238	157	12	2007	2007	NUM
fsr-3238	157	13	)	)	PUNCT
fsr-3238	157	14	.	.	PUNCT
fsr-3238	158	1	3.5	3.5	NUM
fsr-3238	158	2	.	.	PUNCT
fsr-3238	159	1	research	research	NOUN
fsr-3238	159	2	hypotheses	hypothesis	NOUN
fsr-3238	159	3	hypothesis	hypothesis	NOUN
fsr-3238	159	4	1	1	NUM
fsr-3238	159	5	:	:	PUNCT
fsr-3238	159	6	cognitive	cognitive	ADJ
fsr-3238	159	7	ability	ability	NOUN
fsr-3238	159	8	is	be	AUX
fsr-3238	159	9	negatively	negatively	ADV
fsr-3238	159	10	related	relate	VERB
fsr-3238	159	11	to	to	ADP
fsr-3238	159	12	the	the	DET
fsr-3238	159	13	likelihood	likelihood	NOUN
fsr-3238	159	14	of	of	ADP
fsr-3238	159	15	being	be	AUX
fsr-3238	159	16	an	an	DET
fsr-3238	159	17	unrealistic	unrealistic	ADJ
fsr-3238	159	18	optimist	optimist	NOUN
fsr-3238	159	19	.	.	PUNCT
fsr-3238	160	1	146	146	NUM
fsr-3238	160	2	k.t	k.t	PROPN
fsr-3238	160	3	.	.	PROPN
fsr-3238	160	4	kim	kim	PROPN
fsr-3238	160	5	,	,	PUNCT
fsr-3238	160	6	s.d	s.d	PROPN
fsr-3238	160	7	.	.	PROPN
fsr-3238	160	8	hanna	hanna	PROPN
fsr-3238	160	9	/	/	SYM
fsr-3238	160	10	financial	financial	ADJ
fsr-3238	160	11	services	service	NOUN
fsr-3238	160	12	review	review	VERB
fsr-3238	160	13	24	24	NUM
fsr-3238	160	14	(	(	PUNCT
fsr-3238	160	15	2015	2015	NUM
fsr-3238	160	16	)	)	PUNCT
fsr-3238	160	17	139–155	139–155	NUM
fsr-3238	161	1	the	the	DET
fsr-3238	161	2	highest	high	ADJ
fsr-3238	161	3	educational	educational	ADJ
fsr-3238	161	4	attainment	attainment	NOUN
fsr-3238	161	5	of	of	ADP
fsr-3238	161	6	the	the	DET
fsr-3238	161	7	household	household	NOUN
fsr-3238	161	8	head	head	NOUN
fsr-3238	161	9	and	and	CCONJ
fsr-3238	161	10	understanding	understanding	NOUN
fsr-3238	161	11	of	of	ADP
fsr-3238	161	12	the	the	DET
fsr-3238	161	13	scf	scf	PROPN
fsr-3238	161	14	survey	survey	NOUN
fsr-3238	161	15	question	question	NOUN
fsr-3238	161	16	are	be	AUX
fsr-3238	161	17	used	use	VERB
fsr-3238	161	18	as	as	ADP
fsr-3238	161	19	proxies	proxy	NOUN
fsr-3238	161	20	to	to	PART
fsr-3238	161	21	cognitive	cognitive	ADJ
fsr-3238	161	22	ability	ability	NOUN
fsr-3238	161	23	.	.	PUNCT
fsr-3238	162	1	use	use	NOUN
fsr-3238	162	2	of	of	ADP
fsr-3238	162	3	a	a	DET
fsr-3238	162	4	financial	financial	ADJ
fsr-3238	162	5	planner	planner	NOUN
fsr-3238	162	6	for	for	ADP
fsr-3238	162	7	saving	saving	NOUN
fsr-3238	162	8	and	and	CCONJ
fsr-3238	162	9	investment	investment	NOUN
fsr-3238	162	10	decisions	decision	NOUN
fsr-3238	162	11	may	may	AUX
fsr-3238	162	12	supplement	supplement	VERB
fsr-3238	162	13	an	an	DET
fsr-3238	162	14	individual	individual	NOUN
fsr-3238	162	15	’s	’s	PART
fsr-3238	162	16	cognitive	cognitive	ADJ
fsr-3238	162	17	ability	ability	NOUN
fsr-3238	162	18	.	.	PUNCT
fsr-3238	163	1	hypothesis	hypothesis	NOUN
fsr-3238	163	2	2	2	NUM
fsr-3238	163	3	:	:	PUNCT
fsr-3238	163	4	financial	financial	ADJ
fsr-3238	163	5	experience	experience	NOUN
fsr-3238	163	6	is	be	AUX
fsr-3238	163	7	negatively	negatively	ADV
fsr-3238	163	8	related	relate	VERB
fsr-3238	163	9	to	to	ADP
fsr-3238	163	10	the	the	DET
fsr-3238	163	11	likelihood	likelihood	NOUN
fsr-3238	163	12	of	of	ADP
fsr-3238	163	13	being	be	AUX
fsr-3238	163	14	an	an	DET
fsr-3238	163	15	unrealistic	unrealistic	ADJ
fsr-3238	163	16	optimist	optimist	NOUN
fsr-3238	163	17	.	.	PUNCT
fsr-3238	164	1	financial	financial	ADJ
fsr-3238	164	2	experience	experience	NOUN
fsr-3238	164	3	variables	variable	NOUN
fsr-3238	164	4	include	include	VERB
fsr-3238	164	5	age	age	NOUN
fsr-3238	164	6	of	of	ADP
fsr-3238	164	7	household	household	NOUN
fsr-3238	164	8	head	head	NOUN
fsr-3238	164	9	,	,	PUNCT
fsr-3238	164	10	race	race	NOUN
fsr-3238	164	11	/	/	SYM
fsr-3238	164	12	ethnic	ethnic	ADJ
fsr-3238	164	13	identity	identity	NOUN
fsr-3238	164	14	,	,	PUNCT
fsr-3238	164	15	and	and	CCONJ
fsr-3238	164	16	having	have	VERB
fsr-3238	164	17	a	a	DET
fsr-3238	164	18	defined	define	VERB
fsr-3238	164	19	benefit	benefit	NOUN
fsr-3238	164	20	/	/	SYM
fsr-3238	164	21	contribution	contribution	NOUN
fsr-3238	164	22	plan	plan	NOUN
fsr-3238	164	23	.	.	PUNCT
fsr-3238	165	1	4	4	X
fsr-3238	165	2	.	.	NOUN
fsr-3238	165	3	results	result	VERB
fsr-3238	165	4	4.1	4.1	NUM
fsr-3238	165	5	.	.	PUNCT
fsr-3238	166	1	household	household	NOUN
fsr-3238	166	2	characteristics	characteristic	NOUN
fsr-3238	166	3	of	of	ADP
fsr-3238	166	4	households	household	NOUN
fsr-3238	166	5	with	with	ADP
fsr-3238	166	6	objective	objective	ADJ
fsr-3238	166	7	inadequacy	inadequacy	NOUN
fsr-3238	166	8	table	table	NOUN
fsr-3238	166	9	2	2	NUM
fsr-3238	166	10	shows	show	VERB
fsr-3238	166	11	patterns	pattern	NOUN
fsr-3238	166	12	of	of	ADP
fsr-3238	166	13	selected	select	VERB
fsr-3238	166	14	household	household	NOUN
fsr-3238	166	15	characteristics	characteristic	NOUN
fsr-3238	166	16	by	by	ADP
fsr-3238	166	17	two	two	NUM
fsr-3238	166	18	categories	category	NOUN
fsr-3238	166	19	of	of	ADP
fsr-3238	166	20	objective	objective	ADJ
fsr-3238	166	21	/	/	SYM
fsr-3238	166	22	perceived	perceive	VERB
fsr-3238	166	23	retirement	retirement	NOUN
fsr-3238	166	24	adequacy	adequacy	NOUN
fsr-3238	166	25	,	,	PUNCT
fsr-3238	166	26	for	for	ADP
fsr-3238	166	27	households	household	NOUN
fsr-3238	166	28	with	with	ADP
fsr-3238	166	29	objective	objective	ADJ
fsr-3238	166	30	inadequacy	inadequacy	NOUN
fsr-3238	166	31	(	(	PUNCT
fsr-3238	166	32	i.e.	i.e.	X
fsr-3238	166	33	,	,	PUNCT
fsr-3238	166	34	unrealistic	unrealistic	ADJ
fsr-3238	166	35	optimist	optimist	NOUN
fsr-3238	166	36	and	and	CCONJ
fsr-3238	166	37	inadequate	inadequate	ADJ
fsr-3238	166	38	realist	realist	NOUN
fsr-3238	166	39	)	)	PUNCT
fsr-3238	166	40	.	.	PUNCT
fsr-3238	167	1	those	those	PRON
fsr-3238	167	2	who	who	PRON
fsr-3238	167	3	have	have	VERB
fsr-3238	167	4	a	a	DET
fsr-3238	167	5	college	college	NOUN
fsr-3238	167	6	degree	degree	NOUN
fsr-3238	167	7	(	(	PUNCT
fsr-3238	167	8	43	43	NUM
fsr-3238	167	9	%	%	NOUN
fsr-3238	167	10	)	)	PUNCT
fsr-3238	167	11	are	be	AUX
fsr-3238	167	12	less	less	ADV
fsr-3238	167	13	likely	likely	ADJ
fsr-3238	167	14	to	to	PART
fsr-3238	167	15	be	be	AUX
fsr-3238	167	16	an	an	DET
fsr-3238	167	17	unrealistic	unrealistic	ADJ
fsr-3238	167	18	optimist	optimist	NOUN
fsr-3238	167	19	than	than	ADP
fsr-3238	167	20	those	those	PRON
fsr-3238	167	21	with	with	ADP
fsr-3238	167	22	less	less	ADJ
fsr-3238	167	23	than	than	ADP
fsr-3238	167	24	a	a	DET
fsr-3238	167	25	high	high	ADJ
fsr-3238	167	26	school	school	NOUN
fsr-3238	167	27	degree	degree	NOUN
fsr-3238	167	28	(	(	PUNCT
fsr-3238	167	29	48	48	NUM
fsr-3238	167	30	%	%	NOUN
fsr-3238	167	31	)	)	PUNCT
fsr-3238	167	32	.	.	PUNCT
fsr-3238	168	1	those	those	PRON
fsr-3238	168	2	who	who	PRON
fsr-3238	168	3	report	report	VERB
fsr-3238	168	4	using	use	VERB
fsr-3238	168	5	a	a	DET
fsr-3238	168	6	financial	financial	ADJ
fsr-3238	168	7	planner	planner	NOUN
fsr-3238	168	8	for	for	ADP
fsr-3238	168	9	saving	saving	NOUN
fsr-3238	168	10	and	and	CCONJ
fsr-3238	168	11	investment	investment	NOUN
fsr-3238	168	12	decisions	decision	NOUN
fsr-3238	168	13	(	(	PUNCT
fsr-3238	168	14	49	49	NUM
fsr-3238	168	15	%	%	NOUN
fsr-3238	168	16	)	)	PUNCT
fsr-3238	168	17	have	have	VERB
fsr-3238	168	18	a	a	DET
fsr-3238	168	19	higher	high	ADJ
fsr-3238	168	20	rate	rate	NOUN
fsr-3238	168	21	of	of	ADP
fsr-3238	168	22	being	be	AUX
fsr-3238	168	23	unrealistic	unrealistic	ADJ
fsr-3238	168	24	than	than	ADP
fsr-3238	168	25	those	those	PRON
fsr-3238	168	26	who	who	PRON
fsr-3238	168	27	do	do	AUX
fsr-3238	168	28	not	not	PART
fsr-3238	168	29	use	use	VERB
fsr-3238	168	30	a	a	DET
fsr-3238	168	31	financial	financial	ADJ
fsr-3238	168	32	planner	planner	NOUN
fsr-3238	168	33	(	(	PUNCT
fsr-3238	168	34	44	44	NUM
fsr-3238	168	35	%	%	NOUN
fsr-3238	168	36	)	)	PUNCT
fsr-3238	168	37	.	.	PUNCT
fsr-3238	169	1	households	household	NOUN
fsr-3238	169	2	with	with	ADP
fsr-3238	169	3	a	a	DET
fsr-3238	169	4	poor	poor	ADJ
fsr-3238	169	5	understanding	understanding	NOUN
fsr-3238	169	6	of	of	ADP
fsr-3238	169	7	survey	survey	NOUN
fsr-3238	169	8	questions	question	NOUN
fsr-3238	169	9	(	(	PUNCT
fsr-3238	169	10	52	52	NUM
fsr-3238	169	11	%	%	NOUN
fsr-3238	169	12	)	)	PUNCT
fsr-3238	169	13	have	have	VERB
fsr-3238	169	14	higher	high	ADJ
fsr-3238	169	15	proportion	proportion	NOUN
fsr-3238	169	16	of	of	ADP
fsr-3238	169	17	being	be	AUX
fsr-3238	169	18	unrealistic	unrealistic	ADJ
fsr-3238	169	19	than	than	ADP
fsr-3238	169	20	those	those	PRON
fsr-3238	169	21	with	with	ADP
fsr-3238	169	22	a	a	DET
fsr-3238	169	23	good	good	ADJ
fsr-3238	169	24	understanding	understanding	NOUN
fsr-3238	169	25	(	(	PUNCT
fsr-3238	169	26	44	44	NUM
fsr-3238	169	27	%	%	NOUN
fsr-3238	169	28	)	)	PUNCT
fsr-3238	169	29	.	.	PUNCT
fsr-3238	170	1	the	the	DET
fsr-3238	170	2	rate	rate	NOUN
fsr-3238	170	3	of	of	ADP
fsr-3238	170	4	being	be	AUX
fsr-3238	170	5	unrealistic	unrealistic	ADJ
fsr-3238	170	6	increases	increase	NOUN
fsr-3238	170	7	with	with	ADP
fsr-3238	170	8	the	the	DET
fsr-3238	170	9	age	age	NOUN
fsr-3238	170	10	of	of	ADP
fsr-3238	170	11	household	household	NOUN
fsr-3238	170	12	head	head	NOUN
fsr-3238	170	13	,	,	PUNCT
fsr-3238	170	14	with	with	ADP
fsr-3238	170	15	41	41	NUM
fsr-3238	170	16	%	%	NOUN
fsr-3238	170	17	of	of	ADP
fsr-3238	170	18	those	those	DET
fsr-3238	170	19	age	age	NOUN
fsr-3238	170	20	35	35	NUM
fsr-3238	170	21	to	to	ADP
fsr-3238	170	22	44	44	NUM
fsr-3238	170	23	unrealistically	unrealistically	ADV
fsr-3238	170	24	thinking	think	VERB
fsr-3238	170	25	they	they	PRON
fsr-3238	170	26	will	will	AUX
fsr-3238	170	27	have	have	VERB
fsr-3238	170	28	adequate	adequate	ADJ
fsr-3238	170	29	retirement	retirement	NOUN
fsr-3238	170	30	income	income	NOUN
fsr-3238	170	31	,	,	PUNCT
fsr-3238	170	32	but	but	CCONJ
fsr-3238	170	33	50	50	NUM
fsr-3238	170	34	%	%	NOUN
fsr-3238	170	35	of	of	ADP
fsr-3238	170	36	those	those	DET
fsr-3238	170	37	age	age	NOUN
fsr-3238	170	38	55	55	NUM
fsr-3238	170	39	to	to	PART
fsr-3238	170	40	60	60	NUM
fsr-3238	170	41	being	be	AUX
fsr-3238	170	42	unrealistic	unrealistic	ADJ
fsr-3238	170	43	.	.	PUNCT
fsr-3238	171	1	whites	white	NOUN
fsr-3238	171	2	have	have	VERB
fsr-3238	171	3	a	a	DET
fsr-3238	171	4	lower	low	ADJ
fsr-3238	171	5	rate	rate	NOUN
fsr-3238	171	6	of	of	ADP
fsr-3238	171	7	being	be	AUX
fsr-3238	171	8	unrealistic	unrealistic	ADJ
fsr-3238	171	9	than	than	ADP
fsr-3238	171	10	each	each	PRON
fsr-3238	171	11	of	of	ADP
fsr-3238	171	12	the	the	DET
fsr-3238	171	13	other	other	ADJ
fsr-3238	171	14	racial	racial	ADJ
fsr-3238	171	15	/	/	SYM
fsr-3238	171	16	ethnic	ethnic	ADJ
fsr-3238	171	17	groups	group	NOUN
fsr-3238	171	18	.	.	PUNCT
fsr-3238	172	1	because	because	SCONJ
fsr-3238	172	2	of	of	ADP
fsr-3238	172	3	the	the	DET
fsr-3238	172	4	low	low	ADJ
fsr-3238	172	5	number	number	NOUN
fsr-3238	172	6	of	of	ADP
fsr-3238	172	7	blacks	black	NOUN
fsr-3238	172	8	,	,	PUNCT
fsr-3238	172	9	hispanics	hispanic	NOUN
fsr-3238	172	10	,	,	PUNCT
fsr-3238	172	11	and	and	CCONJ
fsr-3238	172	12	asian	asian	ADJ
fsr-3238	172	13	/	/	SYM
fsr-3238	172	14	others	other	NOUN
fsr-3238	172	15	in	in	ADP
fsr-3238	172	16	the	the	DET
fsr-3238	172	17	analytic	analytic	ADJ
fsr-3238	172	18	sample	sample	NOUN
fsr-3238	172	19	and	and	CCONJ
fsr-3238	172	20	the	the	DET
fsr-3238	172	21	similar	similar	ADJ
fsr-3238	172	22	rates	rate	NOUN
fsr-3238	172	23	of	of	ADP
fsr-3238	172	24	being	be	AUX
fsr-3238	172	25	unrealistic	unrealistic	ADJ
fsr-3238	172	26	in	in	ADP
fsr-3238	172	27	each	each	PRON
fsr-3238	172	28	of	of	ADP
fsr-3238	172	29	those	those	DET
fsr-3238	172	30	groups	group	NOUN
fsr-3238	172	31	,	,	PUNCT
fsr-3238	172	32	in	in	ADP
fsr-3238	172	33	the	the	DET
fsr-3238	172	34	multivariate	multivariate	NOUN
fsr-3238	172	35	analysis	analysis	NOUN
fsr-3238	172	36	we	we	PRON
fsr-3238	172	37	combine	combine	VERB
fsr-3238	172	38	the	the	DET
fsr-3238	172	39	three	three	NUM
fsr-3238	172	40	groups	group	NOUN
fsr-3238	172	41	.	.	PUNCT
fsr-3238	173	1	for	for	ADP
fsr-3238	173	2	the	the	DET
fsr-3238	173	3	descriptive	descriptive	ADJ
fsr-3238	173	4	comparison	comparison	NOUN
fsr-3238	173	5	,	,	PUNCT
fsr-3238	173	6	the	the	DET
fsr-3238	173	7	combined	combined	ADJ
fsr-3238	173	8	group	group	NOUN
fsr-3238	173	9	has	have	VERB
fsr-3238	173	10	a	a	DET
fsr-3238	173	11	rate	rate	NOUN
fsr-3238	173	12	of	of	ADP
fsr-3238	173	13	being	be	AUX
fsr-3238	173	14	unrealistic	unrealistic	ADJ
fsr-3238	173	15	of	of	ADP
fsr-3238	173	16	48	48	NUM
fsr-3238	173	17	%	%	NOUN
fsr-3238	173	18	,	,	PUNCT
fsr-3238	173	19	compared	compare	VERB
fsr-3238	173	20	with	with	ADP
fsr-3238	173	21	43	43	NUM
fsr-3238	173	22	%	%	NOUN
fsr-3238	173	23	for	for	ADP
fsr-3238	173	24	whites	white	NOUN
fsr-3238	173	25	,	,	PUNCT
fsr-3238	173	26	and	and	CCONJ
fsr-3238	173	27	that	that	DET
fsr-3238	173	28	difference	difference	NOUN
fsr-3238	173	29	is	be	AUX
fsr-3238	173	30	significant	significant	ADJ
fsr-3238	173	31	.	.	PUNCT
fsr-3238	174	1	for	for	ADP
fsr-3238	174	2	households	household	NOUN
fsr-3238	174	3	having	have	VERB
fsr-3238	174	4	a	a	DET
fsr-3238	174	5	db	db	PROPN
fsr-3238	174	6	plan	plan	NOUN
fsr-3238	174	7	,	,	PUNCT
fsr-3238	174	8	the	the	DET
fsr-3238	174	9	rate	rate	NOUN
fsr-3238	174	10	of	of	ADP
fsr-3238	174	11	being	be	AUX
fsr-3238	174	12	unrealistic	unrealistic	ADJ
fsr-3238	174	13	is	be	AUX
fsr-3238	174	14	higher	high	ADJ
fsr-3238	174	15	than	than	ADP
fsr-3238	174	16	the	the	DET
fsr-3238	174	17	rate	rate	NOUN
fsr-3238	174	18	for	for	ADP
fsr-3238	174	19	those	those	PRON
fsr-3238	174	20	without	without	ADP
fsr-3238	174	21	a	a	DET
fsr-3238	174	22	db	db	PROPN
fsr-3238	174	23	plan	plan	NOUN
fsr-3238	174	24	(	(	PUNCT
fsr-3238	174	25	58	58	NUM
fsr-3238	174	26	%	%	NOUN
fsr-3238	174	27	vs.	vs.	ADP
fsr-3238	174	28	43	43	NUM
fsr-3238	174	29	%	%	NOUN
fsr-3238	174	30	.	.	PUNCT
fsr-3238	174	31	)	)	PUNCT
fsr-3238	175	1	there	there	PRON
fsr-3238	175	2	is	be	VERB
fsr-3238	175	3	a	a	DET
fsr-3238	175	4	similar	similar	ADJ
fsr-3238	175	5	pattern	pattern	NOUN
fsr-3238	175	6	for	for	ADP
fsr-3238	175	7	having	have	VERB
fsr-3238	175	8	a	a	DET
fsr-3238	175	9	dc	dc	PROPN
fsr-3238	175	10	plan	plan	NOUN
fsr-3238	175	11	,	,	PUNCT
fsr-3238	175	12	with	with	ADP
fsr-3238	175	13	the	the	DET
fsr-3238	175	14	rate	rate	NOUN
fsr-3238	175	15	of	of	ADP
fsr-3238	175	16	being	be	AUX
fsr-3238	175	17	unrealistic	unrealistic	ADJ
fsr-3238	175	18	55	55	NUM
fsr-3238	175	19	%	%	NOUN
fsr-3238	175	20	among	among	ADP
fsr-3238	175	21	those	those	PRON
fsr-3238	175	22	with	with	ADP
fsr-3238	175	23	a	a	DET
fsr-3238	175	24	dc	dc	PROPN
fsr-3238	175	25	plan	plan	NOUN
fsr-3238	175	26	and	and	CCONJ
fsr-3238	175	27	38	38	NUM
fsr-3238	175	28	%	%	NOUN
fsr-3238	175	29	for	for	ADP
fsr-3238	175	30	those	those	PRON
fsr-3238	175	31	without	without	ADP
fsr-3238	175	32	one	one	NUM
fsr-3238	175	33	.	.	PUNCT
fsr-3238	176	1	the	the	DET
fsr-3238	176	2	proportion	proportion	NOUN
fsr-3238	176	3	of	of	ADP
fsr-3238	176	4	being	be	AUX
fsr-3238	176	5	unrealistic	unrealistic	ADJ
fsr-3238	176	6	is	be	AUX
fsr-3238	176	7	higher	high	ADJ
fsr-3238	176	8	for	for	ADP
fsr-3238	176	9	married	married	ADJ
fsr-3238	176	10	couples	couple	NOUN
fsr-3238	176	11	than	than	ADP
fsr-3238	176	12	for	for	ADP
fsr-3238	176	13	other	other	ADJ
fsr-3238	176	14	groups	group	NOUN
fsr-3238	176	15	.	.	PUNCT
fsr-3238	177	1	as	as	SCONJ
fsr-3238	177	2	the	the	DET
fsr-3238	177	3	household	household	NOUN
fsr-3238	177	4	head	head	NOUN
fsr-3238	177	5	’s	’s	PART
fsr-3238	177	6	expected	expect	VERB
fsr-3238	177	7	retirement	retirement	NOUN
fsr-3238	177	8	age	age	NOUN
fsr-3238	177	9	increases	increase	NOUN
fsr-3238	177	10	,	,	PUNCT
fsr-3238	177	11	the	the	DET
fsr-3238	177	12	rate	rate	NOUN
fsr-3238	177	13	of	of	ADP
fsr-3238	177	14	being	be	AUX
fsr-3238	177	15	unrealistic	unrealistic	ADJ
fsr-3238	177	16	decreases	decrease	NOUN
fsr-3238	177	17	,	,	PUNCT
fsr-3238	177	18	from	from	ADP
fsr-3238	177	19	55	55	NUM
fsr-3238	177	20	%	%	NOUN
fsr-3238	177	21	for	for	ADP
fsr-3238	177	22	those	those	PRON
fsr-3238	177	23	who	who	PRON
fsr-3238	177	24	expect	expect	VERB
fsr-3238	177	25	to	to	PART
fsr-3238	177	26	retire	retire	VERB
fsr-3238	177	27	before	before	ADP
fsr-3238	177	28	62	62	NUM
fsr-3238	177	29	to	to	PART
fsr-3238	177	30	42	42	NUM
fsr-3238	177	31	%	%	NOUN
fsr-3238	177	32	for	for	ADP
fsr-3238	177	33	those	those	PRON
fsr-3238	177	34	who	who	PRON
fsr-3238	177	35	expect	expect	VERB
fsr-3238	177	36	to	to	PART
fsr-3238	177	37	retire	retire	VERB
fsr-3238	177	38	after	after	ADP
fsr-3238	177	39	65	65	NUM
fsr-3238	177	40	,	,	PUNCT
fsr-3238	177	41	and	and	CCONJ
fsr-3238	177	42	the	the	DET
fsr-3238	177	43	rate	rate	NOUN
fsr-3238	177	44	among	among	ADP
fsr-3238	177	45	those	those	PRON
fsr-3238	177	46	who	who	PRON
fsr-3238	177	47	expect	expect	VERB
fsr-3238	177	48	to	to	PART
fsr-3238	177	49	never	never	ADV
fsr-3238	177	50	retire	retire	VERB
fsr-3238	177	51	is	be	AUX
fsr-3238	177	52	very	very	ADV
fsr-3238	177	53	low	low	ADJ
fsr-3238	177	54	,	,	PUNCT
fsr-3238	177	55	only	only	ADV
fsr-3238	177	56	26	26	NUM
fsr-3238	177	57	%	%	NOUN
fsr-3238	177	58	.	.	PUNCT
fsr-3238	178	1	households	household	NOUN
fsr-3238	178	2	that	that	PRON
fsr-3238	178	3	spend	spend	VERB
fsr-3238	178	4	less	less	ADJ
fsr-3238	178	5	than	than	ADP
fsr-3238	178	6	or	or	CCONJ
fsr-3238	178	7	equal	equal	ADJ
fsr-3238	178	8	to	to	ADP
fsr-3238	178	9	income	income	NOUN
fsr-3238	178	10	are	be	AUX
fsr-3238	178	11	more	more	ADV
fsr-3238	178	12	likely	likely	ADJ
fsr-3238	178	13	to	to	PART
fsr-3238	178	14	be	be	AUX
fsr-3238	178	15	unrealistic	unrealistic	ADJ
fsr-3238	178	16	than	than	ADP
fsr-3238	178	17	those	those	PRON
fsr-3238	178	18	who	who	PRON
fsr-3238	178	19	report	report	VERB
fsr-3238	178	20	spending	spend	VERB
fsr-3238	178	21	more	more	ADJ
fsr-3238	178	22	than	than	ADP
fsr-3238	178	23	income	income	NOUN
fsr-3238	178	24	.	.	PUNCT
fsr-3238	179	1	households	household	NOUN
fsr-3238	179	2	that	that	PRON
fsr-3238	179	3	report	report	VERB
fsr-3238	179	4	having	have	VERB
fsr-3238	179	5	a	a	DET
fsr-3238	179	6	saving	save	VERB
fsr-3238	179	7	objective	objective	NOUN
fsr-3238	179	8	related	relate	VERB
fsr-3238	179	9	to	to	ADP
fsr-3238	179	10	retirement	retirement	NOUN
fsr-3238	179	11	are	be	AUX
fsr-3238	179	12	more	more	ADV
fsr-3238	179	13	likely	likely	ADJ
fsr-3238	179	14	to	to	PART
fsr-3238	179	15	be	be	AUX
fsr-3238	179	16	unrealistic	unrealistic	ADJ
fsr-3238	179	17	than	than	ADP
fsr-3238	179	18	those	those	PRON
fsr-3238	179	19	who	who	PRON
fsr-3238	179	20	do	do	AUX
fsr-3238	179	21	not	not	PART
fsr-3238	179	22	report	report	VERB
fsr-3238	179	23	having	have	VERB
fsr-3238	179	24	a	a	DET
fsr-3238	179	25	retirement	retirement	NOUN
fsr-3238	179	26	goal	goal	NOUN
fsr-3238	179	27	.	.	PUNCT
fsr-3238	180	1	as	as	SCONJ
fsr-3238	180	2	risk	risk	NOUN
fsr-3238	180	3	tolerance	tolerance	NOUN
fsr-3238	180	4	increases	increase	NOUN
fsr-3238	180	5	,	,	PUNCT
fsr-3238	180	6	the	the	DET
fsr-3238	180	7	proportion	proportion	NOUN
fsr-3238	180	8	of	of	ADP
fsr-3238	180	9	being	be	AUX
fsr-3238	180	10	unrealistic	unrealistic	ADJ
fsr-3238	180	11	increases	increase	NOUN
fsr-3238	180	12	from	from	ADP
fsr-3238	180	13	40	40	NUM
fsr-3238	180	14	%	%	NOUN
fsr-3238	180	15	(	(	PUNCT
fsr-3238	180	16	no	no	DET
fsr-3238	180	17	risk	risk	NOUN
fsr-3238	180	18	)	)	PUNCT
fsr-3238	180	19	to	to	ADP
fsr-3238	180	20	52	52	NUM
fsr-3238	180	21	%	%	NOUN
fsr-3238	180	22	(	(	PUNCT
fsr-3238	180	23	substantial	substantial	ADJ
fsr-3238	180	24	risk	risk	NOUN
fsr-3238	180	25	)	)	PUNCT
fsr-3238	180	26	.	.	PUNCT
fsr-3238	181	1	for	for	ADP
fsr-3238	181	2	the	the	DET
fsr-3238	181	3	multivariate	multivariate	NOUN
fsr-3238	181	4	analysis	analysis	NOUN
fsr-3238	181	5	,	,	PUNCT
fsr-3238	181	6	we	we	PRON
fsr-3238	181	7	147k.t	147k.t	NUM
fsr-3238	181	8	.	.	PUNCT
fsr-3238	182	1	kim	kim	PROPN
fsr-3238	182	2	,	,	PUNCT
fsr-3238	182	3	s.d	s.d	PROPN
fsr-3238	182	4	.	.	PROPN
fsr-3238	182	5	hanna	hanna	PROPN
fsr-3238	182	6	/	/	SYM
fsr-3238	182	7	financial	financial	ADJ
fsr-3238	182	8	services	service	NOUN
fsr-3238	182	9	review	review	VERB
fsr-3238	182	10	24	24	NUM
fsr-3238	182	11	(	(	PUNCT
fsr-3238	182	12	2015	2015	NUM
fsr-3238	182	13	)	)	PUNCT
fsr-3238	182	14	139–155	139–155	NUM
fsr-3238	182	15	table	table	NOUN
fsr-3238	182	16	2	2	NUM
fsr-3238	182	17	rate	rate	NOUN
fsr-3238	182	18	of	of	ADP
fsr-3238	182	19	unrealistic	unrealistic	ADJ
fsr-3238	182	20	optimists	optimist	NOUN
fsr-3238	182	21	by	by	ADP
fsr-3238	182	22	selected	select	VERB
fsr-3238	182	23	household	household	NOUN
fsr-3238	182	24	characteristics	characteristic	NOUN
fsr-3238	182	25	,	,	PUNCT
fsr-3238	182	26	among	among	ADP
fsr-3238	182	27	households	household	NOUN
fsr-3238	182	28	with	with	ADP
fsr-3238	182	29	head	head	NOUN
fsr-3238	182	30	employed	employ	VERB
fsr-3238	182	31	full	full	ADJ
fsr-3238	182	32	-	-	PUNCT
fsr-3238	182	33	time	time	NOUN
fsr-3238	182	34	and	and	CCONJ
fsr-3238	182	35	age	age	NOUN
fsr-3238	182	36	35	35	NUM
fsr-3238	182	37	to	to	ADP
fsr-3238	182	38	60	60	NUM
fsr-3238	182	39	,	,	PUNCT
fsr-3238	182	40	with	with	ADP
fsr-3238	182	41	objective	objective	ADJ
fsr-3238	182	42	retirement	retirement	NOUN
fsr-3238	182	43	inadequacy	inadequacy	NOUN
fsr-3238	182	44	2010	2010	NUM
fsr-3238	182	45	scf	scf	PROPN
fsr-3238	182	46	variable	variable	ADJ
fsr-3238	182	47	distribution	distribution	NOUN
fsr-3238	182	48	,	,	PUNCT
fsr-3238	182	49	among	among	ADP
fsr-3238	182	50	households	household	NOUN
fsr-3238	182	51	with	with	ADP
fsr-3238	182	52	objective	objective	ADJ
fsr-3238	182	53	inadequacy	inadequacy	NOUN
fsr-3238	182	54	%	%	NOUN
fsr-3238	182	55	unrealistic	unrealistic	ADJ
fsr-3238	182	56	optimists	optimist	NOUN
fsr-3238	182	57	significance	significance	NOUN
fsr-3238	182	58	level	level	NOUN
fsr-3238	182	59	education	education	NOUN
fsr-3238	182	60	of	of	ADP
fsr-3238	182	61	household	household	NOUN
fsr-3238	182	62	head	head	NOUN
fsr-3238	182	63	less	less	ADJ
fsr-3238	182	64	than	than	ADP
fsr-3238	182	65	high	high	ADJ
fsr-3238	182	66	school	school	NOUN
fsr-3238	182	67	11.1	11.1	NUM
fsr-3238	182	68	47.6	47.6	NUM
fsr-3238	182	69	reference	reference	NOUN
fsr-3238	182	70	high	high	ADJ
fsr-3238	182	71	school	school	NOUN
fsr-3238	182	72	graduate	graduate	NOUN
fsr-3238	182	73	31.8	31.8	NUM
fsr-3238	182	74	44.6	44.6	NUM
fsr-3238	182	75	0.2093	0.2093	NUM
fsr-3238	182	76	some	some	DET
fsr-3238	182	77	college	college	NOUN
fsr-3238	182	78	18.3	18.3	NUM
fsr-3238	182	79	47.6	47.6	NUM
fsr-3238	182	80	0.9945	0.9945	NUM
fsr-3238	182	81	bachelor	bachelor	NOUN
fsr-3238	182	82	degree	degree	NOUN
fsr-3238	182	83	27.9	27.9	NUM
fsr-3238	182	84	43.1	43.1	NUM
fsr-3238	182	85	0.0597	0.0597	NUM
fsr-3238	182	86	post	post	ADJ
fsr-3238	182	87	-	-	ADJ
fsr-3238	182	88	bachelor	bachelor	ADJ
fsr-3238	182	89	degree	degree	NOUN
fsr-3238	182	90	10.9	10.9	NUM
fsr-3238	182	91	42.8	42.8	NUM
fsr-3238	182	92	0.0920	0.0920	NUM
fsr-3238	182	93	use	use	NOUN
fsr-3238	182	94	of	of	ADP
fsr-3238	182	95	financial	financial	ADJ
fsr-3238	182	96	planner	planner	NOUN
fsr-3238	182	97	use	use	VERB
fsr-3238	182	98	24.6	24.6	NUM
fsr-3238	182	99	48.6	48.6	NUM
fsr-3238	182	100	�	�	NOUN
fsr-3238	182	101	.0001	.0001	X
fsr-3238	182	102	do	do	AUX
fsr-3238	182	103	not	not	PART
fsr-3238	182	104	use	use	VERB
fsr-3238	182	105	75.4	75.4	NUM
fsr-3238	182	106	43.7	43.7	NUM
fsr-3238	182	107	reference	reference	NOUN
fsr-3238	182	108	understanding	understanding	NOUN
fsr-3238	182	109	of	of	ADP
fsr-3238	182	110	the	the	DET
fsr-3238	182	111	scf	scf	PROPN
fsr-3238	182	112	survey	survey	NOUN
fsr-3238	182	113	question	question	VERB
fsr-3238	182	114	good	good	ADJ
fsr-3238	182	115	understanding	understanding	NOUN
fsr-3238	182	116	89.6	89.6	NUM
fsr-3238	182	117	44.1	44.1	NUM
fsr-3238	182	118	0.0006	0.0006	NUM
fsr-3238	182	119	poor	poor	ADJ
fsr-3238	182	120	understanding	understanding	NOUN
fsr-3238	182	121	10.4	10.4	NUM
fsr-3238	182	122	51.6	51.6	NUM
fsr-3238	182	123	reference	reference	NOUN
fsr-3238	182	124	age	age	NOUN
fsr-3238	182	125	of	of	ADP
fsr-3238	182	126	household	household	NOUN
fsr-3238	182	127	head	head	NOUN
fsr-3238	182	128	35–44	35–44	NUM
fsr-3238	182	129	40.3	40.3	NUM
fsr-3238	182	130	40.5	40.5	NUM
fsr-3238	182	131	reference	reference	NOUN
fsr-3238	182	132	45–54	45–54	NUM
fsr-3238	182	133	42.1	42.1	NUM
fsr-3238	182	134	47.1	47.1	NUM
fsr-3238	182	135	�	�	NOUN
fsr-3238	182	136	.0001	.0001	NUM
fsr-3238	182	137	55–60	55–60	NUM
fsr-3238	182	138	17.6	17.6	NUM
fsr-3238	182	139	49.6	49.6	NUM
fsr-3238	182	140	�	�	NOUN
fsr-3238	182	141	.0001	.0001	X
fsr-3238	182	142	racial	racial	ADJ
fsr-3238	182	143	-	-	PUNCT
fsr-3238	182	144	ethnic	ethnic	ADJ
fsr-3238	182	145	category	category	NOUN
fsr-3238	182	146	white	white	VERB
fsr-3238	182	147	64.0	64.0	NUM
fsr-3238	182	148	43.4	43.4	NUM
fsr-3238	182	149	reference	reference	NOUN
fsr-3238	182	150	black	black	ADJ
fsr-3238	182	151	14.7	14.7	NUM
fsr-3238	182	152	47.9	47.9	NUM
fsr-3238	182	153	0.0207	0.0207	NUM
fsr-3238	182	154	hispanic	hispanic	ADJ
fsr-3238	182	155	16.2	16.2	NUM
fsr-3238	182	156	46.2	46.2	NUM
fsr-3238	182	157	0.1309	0.1309	NUM
fsr-3238	182	158	asian	asian	ADJ
fsr-3238	182	159	or	or	CCONJ
fsr-3238	182	160	others	other	NOUN
fsr-3238	182	161	5.0	5.0	NUM
fsr-3238	182	162	50.5	50.5	NUM
fsr-3238	182	163	0.0179	0.0179	NUM
fsr-3238	182	164	combination	combination	NOUN
fsr-3238	182	165	of	of	ADP
fsr-3238	182	166	black	black	ADJ
fsr-3238	182	167	,	,	PUNCT
fsr-3238	182	168	hispanic	hispanic	ADJ
fsr-3238	182	169	,	,	PUNCT
fsr-3238	182	170	asian	asian	ADJ
fsr-3238	182	171	/	/	SYM
fsr-3238	182	172	other	other	ADJ
fsr-3238	182	173	36.0	36.0	NUM
fsr-3238	182	174	47.5	47.5	NUM
fsr-3238	182	175	0.0029	0.0029	NUM
fsr-3238	182	176	defined	define	VERB
fsr-3238	182	177	benefit	benefit	NOUN
fsr-3238	182	178	(	(	PUNCT
fsr-3238	182	179	db	db	NOUN
fsr-3238	182	180	)	)	PUNCT
fsr-3238	182	181	plan	plan	NOUN
fsr-3238	182	182	have	have	VERB
fsr-3238	182	183	db	db	PROPN
fsr-3238	182	184	plan	plan	VERB
fsr-3238	182	185	12.5	12.5	NUM
fsr-3238	182	186	58.2	58.2	NUM
fsr-3238	182	187	�	�	NOUN
fsr-3238	182	188	.001	.001	NUM
fsr-3238	182	189	do	do	AUX
fsr-3238	182	190	not	not	PART
fsr-3238	182	191	have	have	VERB
fsr-3238	182	192	db	db	PROPN
fsr-3238	182	193	plan	plan	VERB
fsr-3238	182	194	87.5	87.5	NUM
fsr-3238	182	195	43.0	43.0	NUM
fsr-3238	182	196	reference	reference	NOUN
fsr-3238	182	197	defined	define	VERB
fsr-3238	182	198	contribution	contribution	NOUN
fsr-3238	182	199	(	(	PUNCT
fsr-3238	182	200	dc	dc	PROPN
fsr-3238	182	201	)	)	PUNCT
fsr-3238	182	202	plan	plan	NOUN
fsr-3238	182	203	have	have	VERB
fsr-3238	182	204	dc	dc	PROPN
fsr-3238	182	205	plan	plan	VERB
fsr-3238	182	206	43.2	43.2	NUM
fsr-3238	182	207	54.6	54.6	NUM
fsr-3238	182	208	�	�	NOUN
fsr-3238	182	209	.0001	.0001	X
fsr-3238	182	210	do	do	AUX
fsr-3238	182	211	not	not	PART
fsr-3238	182	212	have	have	VERB
fsr-3238	182	213	dc	dc	PROPN
fsr-3238	182	214	plan	plan	VERB
fsr-3238	182	215	56.8	56.8	NUM
fsr-3238	182	216	37.5	37.5	NUM
fsr-3238	182	217	reference	reference	NOUN
fsr-3238	182	218	marital	marital	ADJ
fsr-3238	182	219	status	status	NOUN
fsr-3238	182	220	married	marry	VERB
fsr-3238	182	221	58.8	58.8	NUM
fsr-3238	182	222	47.6	47.6	NUM
fsr-3238	182	223	reference	reference	NOUN
fsr-3238	182	224	single	single	ADJ
fsr-3238	182	225	male	male	NOUN
fsr-3238	182	226	13.5	13.5	NUM
fsr-3238	182	227	40.8	40.8	NUM
fsr-3238	182	228	0.0006	0.0006	NUM
fsr-3238	182	229	single	single	ADJ
fsr-3238	182	230	female	female	ADJ
fsr-3238	182	231	21.9	21.9	NUM
fsr-3238	182	232	42.2	42.2	NUM
fsr-3238	182	233	0.0013	0.0013	NUM
fsr-3238	182	234	partner	partner	NOUN
fsr-3238	182	235	5.8	5.8	NUM
fsr-3238	182	236	36.9	36.9	NUM
fsr-3238	182	237	0.0002	0.0002	NUM
fsr-3238	182	238	employment	employment	NOUN
fsr-3238	182	239	status	status	NOUN
fsr-3238	182	240	salary	salary	NOUN
fsr-3238	182	241	worker	worker	NOUN
fsr-3238	182	242	91.4	91.4	NUM
fsr-3238	182	243	46.5	46.5	NUM
fsr-3238	182	244	reference	reference	NOUN
fsr-3238	182	245	self	self	NOUN
fsr-3238	182	246	-	-	PUNCT
fsr-3238	182	247	employment	employment	NOUN
fsr-3238	182	248	8.6	8.6	NUM
fsr-3238	182	249	27.6	27.6	NUM
fsr-3238	182	250	�	�	NOUN
fsr-3238	182	251	.0001	.0001	PROPN
fsr-3238	182	252	expected	expect	VERB
fsr-3238	182	253	retirement	retirement	NOUN
fsr-3238	182	254	age	age	NOUN
fsr-3238	182	255	of	of	ADP
fsr-3238	182	256	head	head	NOUN
fsr-3238	182	257	retirement	retirement	NOUN
fsr-3238	182	258	age	age	NOUN
fsr-3238	182	259	�	�	PROPN
fsr-3238	182	260	62	62	NUM
fsr-3238	182	261	25.2	25.2	NUM
fsr-3238	182	262	55.3	55.3	NUM
fsr-3238	182	263	reference	reference	NOUN
fsr-3238	182	264	62	62	NUM
fsr-3238	182	265	�	�	PROPN
fsr-3238	182	266	retirement	retirement	NOUN
fsr-3238	182	267	age	age	NOUN
fsr-3238	182	268	�	�	PROPN
fsr-3238	182	269	65	65	NUM
fsr-3238	182	270	37.3	37.3	NUM
fsr-3238	182	271	49.3	49.3	NUM
fsr-3238	182	272	0.0005	0.0005	NUM
fsr-3238	182	273	retirement	retirement	NOUN
fsr-3238	182	274	age	age	NOUN
fsr-3238	182	275	�	�	PROPN
fsr-3238	182	276	65	65	NUM
fsr-3238	182	277	18.1	18.1	NUM
fsr-3238	182	278	41.6	41.6	NUM
fsr-3238	182	279	�	�	NOUN
fsr-3238	182	280	.0001	.0001	VERB
fsr-3238	182	281	never	never	ADV
fsr-3238	182	282	retire	retire	VERB
fsr-3238	182	283	19.4	19.4	NUM
fsr-3238	182	284	26.0	26.0	NUM
fsr-3238	182	285	�	�	NOUN
fsr-3238	182	286	.0001	.0001	NOUN
fsr-3238	182	287	spending	spending	NOUN
fsr-3238	182	288	behavior	behavior	NOUN
fsr-3238	182	289	spending	spend	VERB
fsr-3238	182	290	�	�	PROPN
fsr-3238	182	291	income	income	VERB
fsr-3238	182	292	50.2	50.2	NUM
fsr-3238	182	293	50.2	50.2	NUM
fsr-3238	182	294	�	�	NOUN
fsr-3238	182	295	.0001	.0001	NOUN
fsr-3238	182	296	spending	spend	VERB
fsr-3238	182	297	�	�	PROPN
fsr-3238	182	298	income	income	NOUN
fsr-3238	182	299	33.1	33.1	NUM
fsr-3238	182	300	42.4	42.4	NUM
fsr-3238	182	301	�	�	NOUN
fsr-3238	182	302	.0001	.0001	NOUN
fsr-3238	182	303	spending	spend	VERB
fsr-3238	182	304	�	�	PROPN
fsr-3238	182	305	income	income	NOUN
fsr-3238	182	306	16.7	16.7	NUM
fsr-3238	182	307	34.1	34.1	NUM
fsr-3238	182	308	reference	reference	NOUN
fsr-3238	182	309	having	have	VERB
fsr-3238	182	310	retirement	retirement	NOUN
fsr-3238	182	311	purpose	purpose	NOUN
fsr-3238	182	312	have	have	VERB
fsr-3238	182	313	52.4	52.4	NUM
fsr-3238	182	314	48.4	48.4	NUM
fsr-3238	182	315	�	�	NOUN
fsr-3238	182	316	.0001	.0001	X
fsr-3238	182	317	do	do	AUX
fsr-3238	182	318	not	not	PART
fsr-3238	182	319	have	have	VERB
fsr-3238	182	320	47.6	47.6	NUM
fsr-3238	182	321	41.0	41.0	NUM
fsr-3238	182	322	reference	reference	NOUN
fsr-3238	182	323	(	(	PUNCT
fsr-3238	182	324	continued	continue	VERB
fsr-3238	182	325	on	on	ADP
fsr-3238	182	326	next	next	ADJ
fsr-3238	182	327	page	page	NOUN
fsr-3238	182	328	)	)	PUNCT
fsr-3238	183	1	148	148	NUM
fsr-3238	183	2	k.t	k.t	PROPN
fsr-3238	183	3	.	.	PUNCT
fsr-3238	183	4	kim	kim	PROPN
fsr-3238	183	5	,	,	PUNCT
fsr-3238	183	6	s.d	s.d	PROPN
fsr-3238	183	7	.	.	PROPN
fsr-3238	183	8	hanna	hanna	PROPN
fsr-3238	183	9	/	/	SYM
fsr-3238	183	10	financial	financial	ADJ
fsr-3238	183	11	services	service	NOUN
fsr-3238	183	12	review	review	VERB
fsr-3238	183	13	24	24	NUM
fsr-3238	183	14	(	(	PUNCT
fsr-3238	183	15	2015	2015	NUM
fsr-3238	183	16	)	)	PUNCT
fsr-3238	184	1	139–155	139–155	PRON
fsr-3238	184	2	combine	combine	VERB
fsr-3238	184	3	the	the	DET
fsr-3238	184	4	substantial	substantial	ADJ
fsr-3238	184	5	and	and	CCONJ
fsr-3238	184	6	above	above	ADP
fsr-3238	184	7	average	average	ADJ
fsr-3238	184	8	responses	response	NOUN
fsr-3238	184	9	because	because	SCONJ
fsr-3238	184	10	of	of	ADP
fsr-3238	184	11	the	the	DET
fsr-3238	184	12	very	very	ADV
fsr-3238	184	13	small	small	ADJ
fsr-3238	184	14	number	number	NOUN
fsr-3238	184	15	of	of	ADP
fsr-3238	184	16	substantial	substantial	ADJ
fsr-3238	184	17	responses	response	NOUN
fsr-3238	184	18	.	.	PUNCT
fsr-3238	185	1	4.2	4.2	NUM
fsr-3238	185	2	.	.	PUNCT
fsr-3238	186	1	multivariate	multivariate	NOUN
fsr-3238	186	2	analyses	analysis	NOUN
fsr-3238	186	3	table	table	NOUN
fsr-3238	186	4	3	3	NUM
fsr-3238	186	5	presents	present	VERB
fsr-3238	186	6	the	the	DET
fsr-3238	186	7	logistic	logistic	ADJ
fsr-3238	186	8	regression	regression	NOUN
fsr-3238	186	9	results	result	NOUN
fsr-3238	186	10	of	of	ADP
fsr-3238	186	11	the	the	DET
fsr-3238	186	12	likelihood	likelihood	NOUN
fsr-3238	186	13	of	of	ADP
fsr-3238	186	14	being	be	AUX
fsr-3238	186	15	an	an	DET
fsr-3238	186	16	unrealistic	unrealistic	ADJ
fsr-3238	186	17	optimist	optimist	NOUN
fsr-3238	186	18	among	among	ADP
fsr-3238	186	19	those	those	PRON
fsr-3238	186	20	who	who	PRON
fsr-3238	186	21	are	be	AUX
fsr-3238	186	22	projected	project	VERB
fsr-3238	186	23	to	to	PART
fsr-3238	186	24	have	have	VERB
fsr-3238	186	25	objective	objective	ADJ
fsr-3238	186	26	inadequacy	inadequacy	NOUN
fsr-3238	186	27	.	.	PUNCT
fsr-3238	187	1	as	as	ADP
fsr-3238	187	2	years	year	NOUN
fsr-3238	187	3	of	of	ADP
fsr-3238	187	4	education	education	NOUN
fsr-3238	187	5	increase	increase	NOUN
fsr-3238	187	6	,	,	PUNCT
fsr-3238	187	7	the	the	DET
fsr-3238	187	8	likelihood	likelihood	NOUN
fsr-3238	187	9	of	of	ADP
fsr-3238	187	10	being	be	AUX
fsr-3238	187	11	unrealistic	unrealistic	ADJ
fsr-3238	187	12	decreases	decrease	NOUN
fsr-3238	187	13	.	.	PUNCT
fsr-3238	188	1	the	the	DET
fsr-3238	188	2	other	other	ADJ
fsr-3238	188	3	variables	variable	NOUN
fsr-3238	188	4	assumed	assume	VERB
fsr-3238	188	5	to	to	PART
fsr-3238	188	6	be	be	AUX
fsr-3238	188	7	related	relate	VERB
fsr-3238	188	8	to	to	ADP
fsr-3238	188	9	ability	ability	NOUN
fsr-3238	188	10	,	,	PUNCT
fsr-3238	188	11	the	the	DET
fsr-3238	188	12	interviewer	interviewer	NOUN
fsr-3238	188	13	’s	’s	PART
fsr-3238	188	14	perception	perception	NOUN
fsr-3238	188	15	of	of	ADP
fsr-3238	188	16	the	the	DET
fsr-3238	188	17	respondent	respondent	NOUN
fsr-3238	188	18	’s	’s	PART
fsr-3238	188	19	understanding	understanding	NOUN
fsr-3238	188	20	of	of	ADP
fsr-3238	188	21	the	the	DET
fsr-3238	188	22	survey	survey	NOUN
fsr-3238	188	23	,	,	PUNCT
fsr-3238	188	24	and	and	CCONJ
fsr-3238	188	25	use	use	NOUN
fsr-3238	188	26	of	of	ADP
fsr-3238	188	27	a	a	DET
fsr-3238	188	28	financial	financial	ADJ
fsr-3238	188	29	planner	planner	NOUN
fsr-3238	188	30	for	for	ADP
fsr-3238	188	31	saving	saving	NOUN
fsr-3238	188	32	or	or	CCONJ
fsr-3238	188	33	investment	investment	NOUN
fsr-3238	188	34	decisions	decision	NOUN
fsr-3238	188	35	,	,	PUNCT
fsr-3238	188	36	are	be	AUX
fsr-3238	188	37	not	not	PART
fsr-3238	188	38	significantly	significantly	ADV
fsr-3238	188	39	related	relate	VERB
fsr-3238	188	40	to	to	ADP
fsr-3238	188	41	being	be	AUX
fsr-3238	188	42	unrealistic	unrealistic	ADJ
fsr-3238	188	43	.	.	PUNCT
fsr-3238	189	1	most	most	ADJ
fsr-3238	189	2	variables	variable	NOUN
fsr-3238	189	3	related	relate	VERB
fsr-3238	189	4	to	to	ADP
fsr-3238	189	5	financial	financial	ADJ
fsr-3238	189	6	experience	experience	NOUN
fsr-3238	189	7	have	have	VERB
fsr-3238	189	8	effects	effect	NOUN
fsr-3238	189	9	contrary	contrary	ADJ
fsr-3238	189	10	to	to	ADP
fsr-3238	189	11	expectations	expectation	NOUN
fsr-3238	189	12	.	.	PUNCT
fsr-3238	190	1	age	age	NOUN
fsr-3238	190	2	of	of	ADP
fsr-3238	190	3	the	the	DET
fsr-3238	190	4	household	household	NOUN
fsr-3238	190	5	head	head	NOUN
fsr-3238	190	6	is	be	AUX
fsr-3238	190	7	positively	positively	ADV
fsr-3238	190	8	related	relate	VERB
fsr-3238	190	9	to	to	ADP
fsr-3238	190	10	the	the	DET
fsr-3238	190	11	likelihood	likelihood	NOUN
fsr-3238	190	12	of	of	ADP
fsr-3238	190	13	being	be	AUX
fsr-3238	190	14	unrealistic	unrealistic	ADJ
fsr-3238	190	15	.	.	PUNCT
fsr-3238	191	1	households	household	NOUN
fsr-3238	191	2	with	with	ADP
fsr-3238	191	3	a	a	DET
fsr-3238	191	4	defined	define	VERB
fsr-3238	191	5	benefit	benefit	NOUN
fsr-3238	191	6	pension	pension	NOUN
fsr-3238	191	7	and	and	CCONJ
fsr-3238	191	8	those	those	PRON
fsr-3238	191	9	with	with	ADP
fsr-3238	191	10	a	a	DET
fsr-3238	191	11	defined	define	VERB
fsr-3238	191	12	contribution	contribution	NOUN
fsr-3238	191	13	plan	plan	NOUN
fsr-3238	191	14	are	be	AUX
fsr-3238	191	15	more	more	ADV
fsr-3238	191	16	likely	likely	ADJ
fsr-3238	191	17	to	to	PART
fsr-3238	191	18	be	be	AUX
fsr-3238	191	19	unrealistic	unrealistic	ADJ
fsr-3238	191	20	than	than	ADP
fsr-3238	191	21	similar	similar	ADJ
fsr-3238	191	22	households	household	NOUN
fsr-3238	191	23	not	not	PART
fsr-3238	191	24	having	have	VERB
fsr-3238	191	25	a	a	DET
fsr-3238	191	26	defined	define	VERB
fsr-3238	191	27	benefit	benefit	NOUN
fsr-3238	191	28	or	or	CCONJ
fsr-3238	191	29	a	a	DET
fsr-3238	191	30	defined	define	VERB
fsr-3238	191	31	contribution	contribution	NOUN
fsr-3238	191	32	plan	plan	NOUN
fsr-3238	191	33	.	.	PUNCT
fsr-3238	192	1	however	however	ADV
fsr-3238	192	2	,	,	PUNCT
fsr-3238	192	3	white	white	ADJ
fsr-3238	192	4	respondents	respondent	NOUN
fsr-3238	192	5	are	be	AUX
fsr-3238	192	6	less	less	ADV
fsr-3238	192	7	likely	likely	ADJ
fsr-3238	192	8	to	to	PART
fsr-3238	192	9	be	be	AUX
fsr-3238	192	10	unrealistic	unrealistic	ADJ
fsr-3238	192	11	than	than	ADP
fsr-3238	192	12	similar	similar	ADJ
fsr-3238	192	13	households	household	NOUN
fsr-3238	192	14	in	in	ADP
fsr-3238	192	15	the	the	DET
fsr-3238	192	16	other	other	ADJ
fsr-3238	192	17	three	three	NUM
fsr-3238	192	18	racial	racial	ADJ
fsr-3238	192	19	/	/	SYM
fsr-3238	192	20	ethnic	ethnic	ADJ
fsr-3238	192	21	categories	category	NOUN
fsr-3238	192	22	,	,	PUNCT
fsr-3238	192	23	so	so	ADV
fsr-3238	192	24	to	to	ADP
fsr-3238	192	25	the	the	DET
fsr-3238	192	26	extent	extent	NOUN
fsr-3238	192	27	that	that	SCONJ
fsr-3238	192	28	whites	white	NOUN
fsr-3238	192	29	have	have	VERB
fsr-3238	192	30	more	more	ADJ
fsr-3238	192	31	financial	financial	ADJ
fsr-3238	192	32	experience	experience	NOUN
fsr-3238	192	33	than	than	ADP
fsr-3238	192	34	those	those	PRON
fsr-3238	192	35	in	in	ADP
fsr-3238	192	36	the	the	DET
fsr-3238	192	37	other	other	ADJ
fsr-3238	192	38	categories	category	NOUN
fsr-3238	192	39	,	,	PUNCT
fsr-3238	192	40	experience	experience	NOUN
fsr-3238	192	41	may	may	AUX
fsr-3238	192	42	be	be	AUX
fsr-3238	192	43	related	relate	VERB
fsr-3238	192	44	to	to	ADP
fsr-3238	192	45	better	well	ADJ
fsr-3238	192	46	assessment	assessment	NOUN
fsr-3238	192	47	of	of	ADP
fsr-3238	192	48	retirement	retirement	NOUN
fsr-3238	192	49	adequacy	adequacy	NOUN
fsr-3238	192	50	.	.	PUNCT
fsr-3238	193	1	households	household	NOUN
fsr-3238	193	2	with	with	ADP
fsr-3238	193	3	a	a	DET
fsr-3238	193	4	self	self	NOUN
fsr-3238	193	5	-	-	PUNCT
fsr-3238	193	6	employed	employ	VERB
fsr-3238	193	7	head	head	NOUN
fsr-3238	193	8	are	be	AUX
fsr-3238	193	9	less	less	ADV
fsr-3238	193	10	likely	likely	ADJ
fsr-3238	193	11	to	to	PART
fsr-3238	193	12	be	be	AUX
fsr-3238	193	13	unrealistic	unrealistic	ADJ
fsr-3238	193	14	than	than	ADP
fsr-3238	193	15	those	those	PRON
fsr-3238	193	16	with	with	ADP
fsr-3238	193	17	a	a	DET
fsr-3238	193	18	head	head	NOUN
fsr-3238	193	19	working	work	VERB
fsr-3238	193	20	for	for	ADP
fsr-3238	193	21	a	a	DET
fsr-3238	193	22	salary	salary	NOUN
fsr-3238	193	23	.	.	PUNCT
fsr-3238	194	1	households	household	NOUN
fsr-3238	194	2	who	who	PRON
fsr-3238	194	3	expect	expect	VERB
fsr-3238	194	4	to	to	PART
fsr-3238	194	5	retire	retire	VERB
fsr-3238	194	6	after	after	ADP
fsr-3238	194	7	age	age	NOUN
fsr-3238	194	8	65	65	NUM
fsr-3238	194	9	or	or	CCONJ
fsr-3238	194	10	to	to	PART
fsr-3238	194	11	never	never	ADV
fsr-3238	194	12	retire	retire	VERB
fsr-3238	194	13	are	be	AUX
fsr-3238	194	14	less	less	ADV
fsr-3238	194	15	likely	likely	ADJ
fsr-3238	194	16	to	to	PART
fsr-3238	194	17	be	be	AUX
fsr-3238	194	18	unrealistic	unrealistic	ADJ
fsr-3238	194	19	than	than	ADP
fsr-3238	194	20	those	those	PRON
fsr-3238	194	21	with	with	ADP
fsr-3238	194	22	an	an	DET
fsr-3238	194	23	expected	expect	VERB
fsr-3238	194	24	retirement	retirement	NOUN
fsr-3238	194	25	age	age	NOUN
fsr-3238	194	26	less	less	ADJ
fsr-3238	194	27	than	than	ADP
fsr-3238	194	28	62	62	NUM
fsr-3238	194	29	.	.	PUNCT
fsr-3238	195	1	households	household	NOUN
fsr-3238	195	2	who	who	PRON
fsr-3238	195	3	spend	spend	VERB
fsr-3238	195	4	less	less	ADJ
fsr-3238	195	5	than	than	ADP
fsr-3238	195	6	or	or	CCONJ
fsr-3238	195	7	equal	equal	ADJ
fsr-3238	195	8	to	to	ADP
fsr-3238	195	9	income	income	NOUN
fsr-3238	195	10	are	be	AUX
fsr-3238	195	11	more	more	ADV
fsr-3238	195	12	likely	likely	ADJ
fsr-3238	195	13	to	to	PART
fsr-3238	195	14	be	be	AUX
fsr-3238	195	15	unrealistic	unrealistic	ADJ
fsr-3238	195	16	than	than	ADP
fsr-3238	195	17	those	those	PRON
fsr-3238	195	18	with	with	ADP
fsr-3238	195	19	a	a	DET
fsr-3238	195	20	deficit	deficit	NOUN
fsr-3238	195	21	.	.	PUNCT
fsr-3238	196	1	lastly	lastly	ADV
fsr-3238	196	2	,	,	PUNCT
fsr-3238	196	3	households	household	NOUN
fsr-3238	196	4	willing	willing	ADJ
fsr-3238	196	5	to	to	PART
fsr-3238	196	6	take	take	VERB
fsr-3238	196	7	above	above	ADJ
fsr-3238	196	8	-	-	PUNCT
fsr-3238	196	9	average	average	ADJ
fsr-3238	196	10	or	or	CCONJ
fsr-3238	196	11	substantial	substantial	ADJ
fsr-3238	196	12	risks	risk	NOUN
fsr-3238	196	13	are	be	AUX
fsr-3238	196	14	more	more	ADV
fsr-3238	196	15	likely	likely	ADJ
fsr-3238	196	16	to	to	PART
fsr-3238	196	17	be	be	AUX
fsr-3238	196	18	unrealistic	unrealistic	ADJ
fsr-3238	196	19	than	than	ADP
fsr-3238	196	20	those	those	PRON
fsr-3238	196	21	unwilling	unwilling	ADJ
fsr-3238	196	22	to	to	PART
fsr-3238	196	23	take	take	VERB
fsr-3238	196	24	any	any	DET
fsr-3238	196	25	risk	risk	NOUN
fsr-3238	196	26	.	.	PUNCT
fsr-3238	197	1	5	5	X
fsr-3238	197	2	.	.	X
fsr-3238	197	3	discussions	discussion	NOUN
fsr-3238	197	4	and	and	CCONJ
fsr-3238	197	5	implications	implication	NOUN
fsr-3238	197	6	the	the	DET
fsr-3238	197	7	primary	primary	ADJ
fsr-3238	197	8	goal	goal	NOUN
fsr-3238	197	9	of	of	ADP
fsr-3238	197	10	this	this	DET
fsr-3238	197	11	study	study	NOUN
fsr-3238	197	12	is	be	AUX
fsr-3238	197	13	to	to	PART
fsr-3238	197	14	analyze	analyze	VERB
fsr-3238	197	15	the	the	DET
fsr-3238	197	16	deviation	deviation	NOUN
fsr-3238	197	17	between	between	ADP
fsr-3238	197	18	a	a	DET
fsr-3238	197	19	household	household	NOUN
fsr-3238	197	20	’s	’s	PART
fsr-3238	197	21	objective	objective	ADJ
fsr-3238	197	22	and	and	CCONJ
fsr-3238	197	23	subjective	subjective	ADJ
fsr-3238	197	24	assessment	assessment	NOUN
fsr-3238	197	25	of	of	ADP
fsr-3238	197	26	retirement	retirement	NOUN
fsr-3238	197	27	adequacy	adequacy	NOUN
fsr-3238	197	28	.	.	PUNCT
fsr-3238	198	1	four	four	NUM
fsr-3238	198	2	different	different	ADJ
fsr-3238	198	3	types	type	NOUN
fsr-3238	198	4	of	of	ADP
fsr-3238	198	5	households	household	NOUN
fsr-3238	198	6	—	—	PUNCT
fsr-3238	198	7	adequate	adequate	ADJ
fsr-3238	198	8	realists	realist	NOUN
fsr-3238	198	9	,	,	PUNCT
fsr-3238	198	10	inadequate	inadequate	ADJ
fsr-3238	198	11	realists	realist	NOUN
fsr-3238	198	12	,	,	PUNCT
fsr-3238	198	13	unrealistic	unrealistic	ADJ
fsr-3238	198	14	optimists	optimist	NOUN
fsr-3238	198	15	,	,	PUNCT
fsr-3238	198	16	and	and	CCONJ
fsr-3238	198	17	pessimists	pessimist	NOUN
fsr-3238	198	18	—	—	PUNCT
fsr-3238	198	19	are	be	AUX
fsr-3238	198	20	categotable	categotable	ADJ
fsr-3238	198	21	2	2	NUM
fsr-3238	198	22	(	(	PUNCT
fsr-3238	198	23	continued	continued	ADJ
fsr-3238	198	24	)	)	PUNCT
fsr-3238	198	25	variable	variable	ADJ
fsr-3238	198	26	distribution	distribution	NOUN
fsr-3238	198	27	,	,	PUNCT
fsr-3238	198	28	among	among	ADP
fsr-3238	198	29	households	household	NOUN
fsr-3238	198	30	with	with	ADP
fsr-3238	198	31	objective	objective	ADJ
fsr-3238	198	32	inadequacy	inadequacy	NOUN
fsr-3238	198	33	%	%	NOUN
fsr-3238	198	34	unrealistic	unrealistic	ADJ
fsr-3238	198	35	optimists	optimist	NOUN
fsr-3238	198	36	significance	significance	NOUN
fsr-3238	198	37	level	level	NOUN
fsr-3238	198	38	risk	risk	NOUN
fsr-3238	198	39	tolerance	tolerance	NOUN
fsr-3238	198	40	no	no	DET
fsr-3238	198	41	risk	risk	NOUN
fsr-3238	198	42	43.5	43.5	NUM
fsr-3238	198	43	40.2	40.2	NUM
fsr-3238	198	44	reference	reference	NOUN
fsr-3238	198	45	average	average	ADJ
fsr-3238	198	46	risk	risk	NOUN
fsr-3238	198	47	38.3	38.3	NUM
fsr-3238	198	48	47.2	47.2	NUM
fsr-3238	198	49	�	�	NOUN
fsr-3238	198	50	.0001	.0001	X
fsr-3238	198	51	above	above	ADP
fsr-3238	198	52	average	average	ADJ
fsr-3238	198	53	risk	risk	NOUN
fsr-3238	198	54	15.5	15.5	NUM
fsr-3238	198	55	51.0	51.0	NUM
fsr-3238	198	56	�	�	NOUN
fsr-3238	198	57	.0001	.0001	X
fsr-3238	198	58	substantial	substantial	ADJ
fsr-3238	198	59	risk	risk	NOUN
fsr-3238	198	60	2.7	2.7	NUM
fsr-3238	198	61	52.0	52.0	NUM
fsr-3238	198	62	0.0033	0.0033	NUM
fsr-3238	198	63	combination	combination	NOUN
fsr-3238	198	64	of	of	ADP
fsr-3238	198	65	above	above	ADP
fsr-3238	198	66	average	average	ADJ
fsr-3238	198	67	and	and	CCONJ
fsr-3238	198	68	substantial	substantial	ADJ
fsr-3238	198	69	risk	risk	NOUN
fsr-3238	198	70	18.2	18.2	NUM
fsr-3238	198	71	51.1	51.1	NUM
fsr-3238	198	72	�	�	NOUN
fsr-3238	198	73	.0001	.0001	NOUN
fsr-3238	198	74	restrictions	restriction	NOUN
fsr-3238	198	75	are	be	AUX
fsr-3238	198	76	described	describe	VERB
fsr-3238	198	77	in	in	ADP
fsr-3238	198	78	the	the	DET
fsr-3238	198	79	method	method	NOUN
fsr-3238	198	80	section	section	NOUN
fsr-3238	198	81	,	,	PUNCT
fsr-3238	198	82	and	and	CCONJ
fsr-3238	198	83	include	include	VERB
fsr-3238	198	84	head	head	NOUN
fsr-3238	198	85	being	be	AUX
fsr-3238	198	86	35	35	NUM
fsr-3238	198	87	or	or	CCONJ
fsr-3238	198	88	older	old	ADJ
fsr-3238	198	89	,	,	PUNCT
fsr-3238	198	90	but	but	CCONJ
fsr-3238	198	91	no	no	DET
fsr-3238	198	92	more	more	ADJ
fsr-3238	198	93	than	than	ADP
fsr-3238	198	94	60	60	NUM
fsr-3238	198	95	and	and	CCONJ
fsr-3238	198	96	being	be	AUX
fsr-3238	198	97	in	in	ADP
fsr-3238	198	98	the	the	DET
fsr-3238	198	99	labor	labor	NOUN
fsr-3238	198	100	force	force	NOUN
fsr-3238	198	101	.	.	PUNCT
fsr-3238	199	1	n	n	PRON
fsr-3238	199	2	�	�	PROPN
fsr-3238	199	3	1,203	1,203	NUM
fsr-3238	199	4	.	.	PUNCT
fsr-3238	199	5	significance	significance	NOUN
fsr-3238	199	6	levels	level	NOUN
fsr-3238	199	7	based	base	VERB
fsr-3238	199	8	on	on	ADP
fsr-3238	199	9	rii	rii	PROPN
fsr-3238	199	10	means	mean	VERB
fsr-3238	199	11	tests	test	NOUN
fsr-3238	199	12	.	.	PUNCT
fsr-3238	200	1	149k.t	149k.t	X
fsr-3238	200	2	.	.	PUNCT
fsr-3238	201	1	kim	kim	PROPN
fsr-3238	201	2	,	,	PUNCT
fsr-3238	201	3	s.d	s.d	PROPN
fsr-3238	201	4	.	.	PROPN
fsr-3238	201	5	hanna	hanna	PROPN
fsr-3238	201	6	/	/	SYM
fsr-3238	201	7	financial	financial	ADJ
fsr-3238	201	8	services	service	NOUN
fsr-3238	201	9	review	review	VERB
fsr-3238	201	10	24	24	NUM
fsr-3238	201	11	(	(	PUNCT
fsr-3238	201	12	2015	2015	NUM
fsr-3238	201	13	)	)	PUNCT
fsr-3238	202	1	139–155	139–155	NUM
fsr-3238	202	2	rized	rize	VERB
fsr-3238	202	3	by	by	ADP
fsr-3238	202	4	objective	objective	ADJ
fsr-3238	202	5	/	/	SYM
fsr-3238	202	6	subjective	subjective	ADJ
fsr-3238	202	7	retirement	retirement	NOUN
fsr-3238	202	8	assessments	assessment	NOUN
fsr-3238	202	9	.	.	PUNCT
fsr-3238	203	1	only	only	ADV
fsr-3238	203	2	42	42	NUM
fsr-3238	203	3	%	%	NOUN
fsr-3238	203	4	have	have	VERB
fsr-3238	203	5	objective	objective	ADJ
fsr-3238	203	6	retirement	retirement	NOUN
fsr-3238	203	7	adequacy	adequacy	NOUN
fsr-3238	203	8	,	,	PUNCT
fsr-3238	203	9	whereas	whereas	SCONJ
fsr-3238	203	10	46	46	NUM
fsr-3238	203	11	%	%	NOUN
fsr-3238	203	12	perceive	perceive	NOUN
fsr-3238	203	13	they	they	PRON
fsr-3238	203	14	will	will	AUX
fsr-3238	203	15	have	have	VERB
fsr-3238	203	16	an	an	DET
fsr-3238	203	17	adequate	adequate	ADJ
fsr-3238	203	18	retirement	retirement	NOUN
fsr-3238	203	19	.	.	PUNCT
fsr-3238	204	1	about	about	ADV
fsr-3238	204	2	52	52	NUM
fsr-3238	204	3	%	%	NOUN
fsr-3238	204	4	have	have	VERB
fsr-3238	204	5	a	a	DET
fsr-3238	204	6	consistency	consistency	NOUN
fsr-3238	204	7	between	between	ADP
fsr-3238	204	8	objective	objective	ADJ
fsr-3238	204	9	and	and	CCONJ
fsr-3238	204	10	subjective	subjective	ADJ
fsr-3238	204	11	adequacy	adequacy	NOUN
fsr-3238	204	12	.	.	PUNCT
fsr-3238	205	1	for	for	ADP
fsr-3238	205	2	our	our	PRON
fsr-3238	205	3	multivariate	multivariate	NOUN
fsr-3238	205	4	analysis	analysis	NOUN
fsr-3238	205	5	,	,	PUNCT
fsr-3238	205	6	we	we	PRON
fsr-3238	205	7	focus	focus	VERB
fsr-3238	205	8	on	on	ADP
fsr-3238	205	9	the	the	DET
fsr-3238	205	10	likelihood	likelihood	NOUN
fsr-3238	205	11	of	of	ADP
fsr-3238	205	12	being	be	AUX
fsr-3238	205	13	an	an	DET
fsr-3238	205	14	unrealistic	unrealistic	ADJ
fsr-3238	205	15	optimist	optimist	NOUN
fsr-3238	205	16	among	among	ADP
fsr-3238	205	17	a	a	DET
fsr-3238	205	18	sample	sample	NOUN
fsr-3238	205	19	of	of	ADP
fsr-3238	205	20	households	household	NOUN
fsr-3238	205	21	with	with	ADP
fsr-3238	205	22	objective	objective	ADJ
fsr-3238	205	23	inadequacy	inadequacy	NOUN
fsr-3238	205	24	.	.	PUNCT
fsr-3238	206	1	our	our	PRON
fsr-3238	206	2	descriptive	descriptive	ADJ
fsr-3238	206	3	results	result	NOUN
fsr-3238	206	4	shown	show	VERB
fsr-3238	206	5	in	in	ADP
fsr-3238	206	6	table	table	NOUN
fsr-3238	206	7	2	2	NUM
fsr-3238	206	8	indicate	indicate	VERB
fsr-3238	206	9	among	among	ADP
fsr-3238	206	10	households	household	NOUN
fsr-3238	206	11	with	with	ADP
fsr-3238	206	12	inadequate	inadequate	ADJ
fsr-3238	206	13	retirement	retirement	NOUN
fsr-3238	206	14	resources	resource	NOUN
fsr-3238	206	15	,	,	PUNCT
fsr-3238	206	16	the	the	DET
fsr-3238	206	17	households	household	NOUN
fsr-3238	206	18	with	with	ADP
fsr-3238	206	19	a	a	DET
fsr-3238	206	20	head	head	NOUN
fsr-3238	206	21	with	with	ADP
fsr-3238	206	22	a	a	DET
fsr-3238	206	23	college	college	NOUN
fsr-3238	206	24	degree	degree	NOUN
fsr-3238	206	25	have	have	VERB
fsr-3238	206	26	lower	low	ADJ
fsr-3238	206	27	rate	rate	NOUN
fsr-3238	206	28	of	of	ADP
fsr-3238	206	29	being	be	AUX
fsr-3238	206	30	unrealistic	unrealistic	ADJ
fsr-3238	206	31	optimists	optimist	NOUN
fsr-3238	206	32	than	than	ADP
fsr-3238	206	33	those	those	PRON
fsr-3238	206	34	with	with	ADP
fsr-3238	206	35	less	less	ADJ
fsr-3238	206	36	than	than	ADP
fsr-3238	206	37	a	a	DET
fsr-3238	206	38	high	high	ADJ
fsr-3238	206	39	school	school	NOUN
fsr-3238	206	40	degree	degree	NOUN
fsr-3238	206	41	.	.	PUNCT
fsr-3238	207	1	those	those	DET
fsr-3238	207	2	reporting	report	VERB
fsr-3238	207	3	use	use	NOUN
fsr-3238	207	4	of	of	ADP
fsr-3238	207	5	a	a	DET
fsr-3238	207	6	financial	financial	ADJ
fsr-3238	207	7	planner	planner	NOUN
fsr-3238	207	8	are	be	AUX
fsr-3238	207	9	significantly	significantly	ADV
fsr-3238	207	10	more	more	ADV
fsr-3238	207	11	likely	likely	ADJ
fsr-3238	207	12	to	to	PART
fsr-3238	207	13	have	have	VERB
fsr-3238	207	14	to	to	PART
fsr-3238	207	15	be	be	AUX
fsr-3238	207	16	unrealistic	unrealistic	ADJ
fsr-3238	207	17	than	than	ADP
fsr-3238	207	18	those	those	PRON
fsr-3238	207	19	who	who	PRON
fsr-3238	207	20	do	do	AUX
fsr-3238	207	21	not	not	PART
fsr-3238	207	22	use	use	VERB
fsr-3238	207	23	a	a	DET
fsr-3238	207	24	financial	financial	ADJ
fsr-3238	207	25	planner	planner	NOUN
fsr-3238	207	26	,	,	PUNCT
fsr-3238	207	27	raising	raise	VERB
fsr-3238	207	28	questions	question	NOUN
fsr-3238	207	29	about	about	ADP
fsr-3238	207	30	the	the	DET
fsr-3238	207	31	accuracy	accuracy	NOUN
fsr-3238	207	32	or	or	CCONJ
fsr-3238	207	33	benefit	benefit	NOUN
fsr-3238	207	34	of	of	ADP
fsr-3238	207	35	financial	financial	ADJ
fsr-3238	207	36	table	table	NOUN
fsr-3238	207	37	3	3	NUM
fsr-3238	207	38	logistic	logistic	ADJ
fsr-3238	207	39	regression	regression	NOUN
fsr-3238	207	40	analysis	analysis	NOUN
fsr-3238	207	41	of	of	ADP
fsr-3238	207	42	likelihood	likelihood	NOUN
fsr-3238	207	43	of	of	ADP
fsr-3238	207	44	being	be	AUX
fsr-3238	207	45	unrealistic	unrealistic	ADJ
fsr-3238	207	46	optimists	optimist	NOUN
fsr-3238	207	47	,	,	PUNCT
fsr-3238	207	48	of	of	ADP
fsr-3238	207	49	households	household	NOUN
fsr-3238	207	50	with	with	ADP
fsr-3238	207	51	head	head	NOUN
fsr-3238	207	52	employed	employ	VERB
fsr-3238	207	53	full	full	ADJ
fsr-3238	207	54	-	-	PUNCT
fsr-3238	207	55	time	time	NOUN
fsr-3238	207	56	and	and	CCONJ
fsr-3238	207	57	age	age	NOUN
fsr-3238	207	58	35	35	NUM
fsr-3238	207	59	to	to	ADP
fsr-3238	207	60	60	60	NUM
fsr-3238	207	61	,	,	PUNCT
fsr-3238	207	62	and	and	CCONJ
fsr-3238	207	63	objective	objective	ADJ
fsr-3238	207	64	retirement	retirement	NOUN
fsr-3238	207	65	inadequacy	inadequacy	NOUN
fsr-3238	207	66	,	,	PUNCT
fsr-3238	207	67	2010	2010	NUM
fsr-3238	207	68	scf	scf	PROPN
fsr-3238	207	69	variable	variable	ADJ
fsr-3238	207	70	coefficient	coefficient	VERB
fsr-3238	207	71	two	two	NUM
fsr-3238	207	72	-	-	PUNCT
fsr-3238	207	73	tail	tail	NOUN
fsr-3238	207	74	p	p	NOUN
fsr-3238	207	75	-	-	PUNCT
fsr-3238	207	76	valuea	valuea	NOUN
fsr-3238	207	77	standard	standard	ADJ
fsr-3238	207	78	error	error	NOUN
fsr-3238	207	79	odds	odd	VERB
fsr-3238	207	80	ratio	ratio	NOUN
fsr-3238	207	81	cognitive	cognitive	ADJ
fsr-3238	207	82	ability	ability	NOUN
fsr-3238	207	83	:	:	PUNCT
fsr-3238	207	84	education	education	NOUN
fsr-3238	207	85	of	of	ADP
fsr-3238	207	86	household	household	NOUN
fsr-3238	207	87	head	head	NOUN
fsr-3238	207	88	,	,	PUNCT
fsr-3238	207	89	use	use	NOUN
fsr-3238	207	90	of	of	ADP
fsr-3238	207	91	financial	financial	ADJ
fsr-3238	207	92	planner	planner	NOUN
fsr-3238	207	93	,	,	PUNCT
fsr-3238	207	94	good	good	ADJ
fsr-3238	207	95	understanding	understanding	NOUN
fsr-3238	207	96	of	of	ADP
fsr-3238	207	97	the	the	DET
fsr-3238	207	98	scf	scf	PROPN
fsr-3238	207	99	survey	survey	NOUN
fsr-3238	207	100	question	question	NOUN
fsr-3238	207	101	education	education	NOUN
fsr-3238	207	102	of	of	ADP
fsr-3238	207	103	household	household	NOUN
fsr-3238	207	104	head	head	NOUN
fsr-3238	207	105	(	(	PUNCT
fsr-3238	207	106	continuous	continuous	ADJ
fsr-3238	207	107	variable	variable	NOUN
fsr-3238	207	108	)	)	PUNCT
fsr-3238	207	109	�	�	PROPN
fsr-3238	207	110	0.0681	0.0681	NUM
fsr-3238	207	111	0.0094	0.0094	NUM
fsr-3238	207	112	0.0263	0.0263	NUM
fsr-3238	207	113	0.934	0.934	NUM
fsr-3238	207	114	use	use	NOUN
fsr-3238	207	115	of	of	ADP
fsr-3238	207	116	financial	financial	ADJ
fsr-3238	207	117	planner	planner	NOUN
fsr-3238	207	118	(	(	PUNCT
fsr-3238	207	119	reference	reference	NOUN
fsr-3238	207	120	category	category	NOUN
fsr-3238	207	121	:	:	PUNCT
fsr-3238	207	122	no	no	X
fsr-3238	207	123	)	)	PUNCT
fsr-3238	207	124	0.0962	0.0962	NUM
fsr-3238	208	1	0.5301	0.5301	NUM
fsr-3238	208	2	0.1525	0.1525	NUM
fsr-3238	208	3	1.101	1.101	NUM
fsr-3238	208	4	good	good	ADJ
fsr-3238	208	5	understanding	understanding	NOUN
fsr-3238	208	6	of	of	ADP
fsr-3238	208	7	the	the	DET
fsr-3238	208	8	scf	scf	PROPN
fsr-3238	208	9	survey	survey	NOUN
fsr-3238	208	10	question	question	NOUN
fsr-3238	208	11	(	(	PUNCT
fsr-3238	208	12	reference	reference	NOUN
fsr-3238	208	13	category	category	NOUN
fsr-3238	208	14	:	:	PUNCT
fsr-3238	208	15	no	no	X
fsr-3238	208	16	)	)	PUNCT
fsr-3238	208	17	�	�	PROPN
fsr-3238	208	18	0.2777	0.2777	NUM
fsr-3238	208	19	0.2045	0.2045	NUM
fsr-3238	208	20	0.2192	0.2192	NUM
fsr-3238	208	21	0.758	0.758	NUM
fsr-3238	208	22	financial	financial	ADJ
fsr-3238	208	23	experience	experience	NOUN
fsr-3238	208	24	:	:	PUNCT
fsr-3238	208	25	age	age	NOUN
fsr-3238	208	26	of	of	ADP
fsr-3238	208	27	household	household	NOUN
fsr-3238	208	28	head	head	NOUN
fsr-3238	208	29	,	,	PUNCT
fsr-3238	208	30	racial	racial	ADJ
fsr-3238	208	31	-	-	PUNCT
fsr-3238	208	32	ethnic	ethnic	ADJ
fsr-3238	208	33	status	status	NOUN
fsr-3238	208	34	,	,	PUNCT
fsr-3238	208	35	having	have	VERB
fsr-3238	208	36	a	a	DET
fsr-3238	208	37	retirement	retirement	NOUN
fsr-3238	208	38	plan	plan	NOUN
fsr-3238	208	39	age	age	NOUN
fsr-3238	208	40	of	of	ADP
fsr-3238	208	41	household	household	NOUN
fsr-3238	208	42	head	head	NOUN
fsr-3238	208	43	(	(	PUNCT
fsr-3238	208	44	continuous	continuous	ADJ
fsr-3238	208	45	variable	variable	NOUN
fsr-3238	208	46	)	)	PUNCT
fsr-3238	208	47	0.0204	0.0204	NUM
fsr-3238	208	48	0.0307	0.0307	NUM
fsr-3238	208	49	0.0094	0.0094	NUM
fsr-3238	208	50	1.021	1.021	NUM
fsr-3238	208	51	racial	racial	ADJ
fsr-3238	208	52	-	-	PUNCT
fsr-3238	208	53	ethnic	ethnic	ADJ
fsr-3238	208	54	category	category	NOUN
fsr-3238	208	55	(	(	PUNCT
fsr-3238	208	56	reference	reference	NOUN
fsr-3238	208	57	category	category	NOUN
fsr-3238	208	58	:	:	PUNCT
fsr-3238	208	59	white	white	ADJ
fsr-3238	208	60	)	)	PUNCT
fsr-3238	208	61	combination	combination	NOUN
fsr-3238	208	62	of	of	ADP
fsr-3238	208	63	black	black	ADJ
fsr-3238	208	64	,	,	PUNCT
fsr-3238	208	65	hispanic	hispanic	ADJ
fsr-3238	208	66	,	,	PUNCT
fsr-3238	208	67	and	and	CCONJ
fsr-3238	208	68	asian	asian	ADJ
fsr-3238	208	69	/	/	SYM
fsr-3238	208	70	other	other	ADJ
fsr-3238	208	71	0.3648	0.3648	NUM
fsr-3238	208	72	0.0140	0.0140	NUM
fsr-3238	208	73	0.1488	0.1488	NUM
fsr-3238	208	74	1.440	1.440	NUM
fsr-3238	208	75	have	have	AUX
fsr-3238	208	76	defined	define	VERB
fsr-3238	208	77	benefit	benefit	NOUN
fsr-3238	208	78	plan	plan	NOUN
fsr-3238	208	79	(	(	PUNCT
fsr-3238	208	80	reference	reference	NOUN
fsr-3238	208	81	category	category	NOUN
fsr-3238	208	82	:	:	PUNCT
fsr-3238	208	83	no	no	X
fsr-3238	208	84	)	)	PUNCT
fsr-3238	209	1	0.5289	0.5289	NUM
fsr-3238	209	2	0.0088	0.0088	NUM
fsr-3238	209	3	0.2025	0.2025	NUM
fsr-3238	209	4	1.697	1.697	NUM
fsr-3238	209	5	have	have	AUX
fsr-3238	209	6	defined	define	VERB
fsr-3238	209	7	contribution	contribution	NOUN
fsr-3238	209	8	plan	plan	NOUN
fsr-3238	209	9	(	(	PUNCT
fsr-3238	209	10	reference	reference	NOUN
fsr-3238	209	11	category	category	NOUN
fsr-3238	209	12	:	:	PUNCT
fsr-3238	209	13	no	no	X
fsr-3238	209	14	)	)	PUNCT
fsr-3238	209	15	0.4976	0.4976	NUM
fsr-3238	209	16	0.0006	0.0006	NUM
fsr-3238	209	17	0.1445	0.1445	NUM
fsr-3238	209	18	1.645	1.645	NUM
fsr-3238	209	19	control	control	NOUN
fsr-3238	209	20	variables	variable	NOUN
fsr-3238	209	21	:	:	PUNCT
fsr-3238	209	22	marital	marital	ADJ
fsr-3238	209	23	status	status	NOUN
fsr-3238	209	24	,	,	PUNCT
fsr-3238	209	25	self	self	NOUN
fsr-3238	209	26	-	-	PUNCT
fsr-3238	209	27	employed	employ	VERB
fsr-3238	209	28	,	,	PUNCT
fsr-3238	209	29	log	log	NOUN
fsr-3238	209	30	of	of	ADP
fsr-3238	209	31	income	income	NOUN
fsr-3238	209	32	,	,	PUNCT
fsr-3238	209	33	expected	expect	VERB
fsr-3238	209	34	retirement	retirement	NOUN
fsr-3238	209	35	age	age	NOUN
fsr-3238	209	36	,	,	PUNCT
fsr-3238	209	37	spending	spending	NOUN
fsr-3238	209	38	behavior	behavior	NOUN
fsr-3238	209	39	,	,	PUNCT
fsr-3238	209	40	have	have	VERB
fsr-3238	209	41	retirement	retirement	NOUN
fsr-3238	209	42	purpose	purpose	NOUN
fsr-3238	209	43	,	,	PUNCT
fsr-3238	209	44	risk	risk	NOUN
fsr-3238	209	45	tolerance	tolerance	NOUN
fsr-3238	209	46	marital	marital	ADJ
fsr-3238	209	47	status	status	NOUN
fsr-3238	209	48	(	(	PUNCT
fsr-3238	209	49	reference	reference	NOUN
fsr-3238	209	50	category	category	NOUN
fsr-3238	209	51	:	:	PUNCT
fsr-3238	209	52	married	married	ADJ
fsr-3238	209	53	)	)	PUNCT
fsr-3238	209	54	single	single	ADJ
fsr-3238	209	55	male	male	NOUN
fsr-3238	209	56	�	�	NOUN
fsr-3238	209	57	0.1838	0.1838	NUM
fsr-3238	209	58	0.3755	0.3755	NUM
fsr-3238	209	59	0.2072	0.2072	NUM
fsr-3238	209	60	0.832	0.832	NUM
fsr-3238	209	61	single	single	ADJ
fsr-3238	209	62	female	female	ADJ
fsr-3238	209	63	0.0199	0.0199	NUM
fsr-3238	209	64	0.9081	0.9081	NUM
fsr-3238	209	65	0.1737	0.1737	NUM
fsr-3238	209	66	1.020	1.020	NUM
fsr-3238	209	67	partner	partner	NOUN
fsr-3238	209	68	�	�	NOUN
fsr-3238	209	69	0.1007	0.1007	NUM
fsr-3238	209	70	0.7171	0.7171	NUM
fsr-3238	209	71	0.2817	0.2817	NUM
fsr-3238	209	72	0.904	0.904	NUM
fsr-3238	209	73	self	self	NOUN
fsr-3238	209	74	-	-	PUNCT
fsr-3238	209	75	employment	employment	NOUN
fsr-3238	209	76	(	(	PUNCT
fsr-3238	209	77	reference	reference	NOUN
fsr-3238	209	78	:	:	PUNCT
fsr-3238	209	79	salary	salary	NOUN
fsr-3238	209	80	worker	worker	NOUN
fsr-3238	209	81	)	)	PUNCT
fsr-3238	209	82	�	�	PROPN
fsr-3238	209	83	0.5618	0.5618	NUM
fsr-3238	209	84	0.0102	0.0102	NUM
fsr-3238	209	85	0.2190	0.2190	NUM
fsr-3238	209	86	0.570	0.570	NUM
fsr-3238	209	87	log	log	NOUN
fsr-3238	209	88	of	of	ADP
fsr-3238	209	89	income	income	NOUN
fsr-3238	209	90	�	�	PROPN
fsr-3238	210	1	0.0164	0.0164	NUM
fsr-3238	210	2	0.8244	0.8244	NUM
fsr-3238	210	3	0.0730	0.0730	NUM
fsr-3238	210	4	0.984	0.984	NUM
fsr-3238	210	5	expected	expect	VERB
fsr-3238	210	6	retirement	retirement	NOUN
fsr-3238	210	7	age	age	NOUN
fsr-3238	210	8	(	(	PUNCT
fsr-3238	210	9	reference	reference	NOUN
fsr-3238	210	10	category	category	NOUN
fsr-3238	210	11	:	:	PUNCT
fsr-3238	210	12	under	under	ADP
fsr-3238	210	13	62	62	NUM
fsr-3238	210	14	)	)	PUNCT
fsr-3238	210	15	62	62	NUM
fsr-3238	210	16	�	�	PROPN
fsr-3238	210	17	retirement	retirement	NOUN
fsr-3238	210	18	age	age	NOUN
fsr-3238	210	19	�	�	PROPN
fsr-3238	210	20	65	65	NUM
fsr-3238	210	21	�	�	PROPN
fsr-3238	210	22	0.2072	0.2072	NUM
fsr-3238	210	23	0.2347	0.2347	NUM
fsr-3238	210	24	0.1744	0.1744	NUM
fsr-3238	210	25	0.813	0.813	NUM
fsr-3238	210	26	retirement	retirement	NOUN
fsr-3238	210	27	age	age	NOUN
fsr-3238	210	28	�	�	PROPN
fsr-3238	210	29	65	65	NUM
fsr-3238	210	30	�	�	PROPN
fsr-3238	210	31	0.5484	0.5484	NUM
fsr-3238	210	32	0.0057	0.0057	NUM
fsr-3238	210	33	0.1981	0.1981	NUM
fsr-3238	210	34	0.578	0.578	NUM
fsr-3238	210	35	never	never	ADV
fsr-3238	210	36	retire	retire	VERB
fsr-3238	210	37	�	�	PROPN
fsr-3238	210	38	0.9492	0.9492	NUM
fsr-3238	210	39	�	�	NOUN
fsr-3238	210	40	.0001	.0001	NOUN
fsr-3238	210	41	0.2061	0.2061	NUM
fsr-3238	210	42	0.387	0.387	NUM
fsr-3238	210	43	spending	spend	VERB
fsr-3238	210	44	behavior	behavior	NOUN
fsr-3238	210	45	(	(	PUNCT
fsr-3238	210	46	reference	reference	NOUN
fsr-3238	210	47	category	category	NOUN
fsr-3238	210	48	:	:	PUNCT
fsr-3238	210	49	spending	spend	VERB
fsr-3238	210	50	�	�	PROPN
fsr-3238	210	51	income	income	NOUN
fsr-3238	210	52	)	)	PUNCT
fsr-3238	210	53	spending	spend	VERB
fsr-3238	210	54	�	�	PROPN
fsr-3238	210	55	income	income	VERB
fsr-3238	210	56	0.4015	0.4015	NUM
fsr-3238	210	57	0.0461	0.0461	NUM
fsr-3238	210	58	0.2014	0.2014	NUM
fsr-3238	210	59	1.494	1.494	NUM
fsr-3238	210	60	spending	spend	VERB
fsr-3238	210	61	�	�	PROPN
fsr-3238	210	62	income	income	NOUN
fsr-3238	210	63	0.6515	0.6515	NUM
fsr-3238	210	64	0.0006	0.0006	NUM
fsr-3238	210	65	0.1910	0.1910	NUM
fsr-3238	210	66	1.919	1.919	NUM
fsr-3238	210	67	have	have	VERB
fsr-3238	210	68	retirement	retirement	NOUN
fsr-3238	210	69	purpose	purpose	NOUN
fsr-3238	210	70	(	(	PUNCT
fsr-3238	210	71	reference	reference	NOUN
fsr-3238	210	72	:	:	PUNCT
fsr-3238	210	73	no	no	NOUN
fsr-3238	210	74	)	)	PUNCT
fsr-3238	211	1	0.046	0.046	NUM
fsr-3238	211	2	0.7495	0.7495	NUM
fsr-3238	211	3	0.1443	0.1443	NUM
fsr-3238	211	4	1.047	1.047	NUM
fsr-3238	211	5	risk	risk	NOUN
fsr-3238	211	6	tolerance	tolerance	NOUN
fsr-3238	211	7	(	(	PUNCT
fsr-3238	211	8	reference	reference	NOUN
fsr-3238	211	9	category	category	NOUN
fsr-3238	211	10	:	:	PUNCT
fsr-3238	211	11	take	take	VERB
fsr-3238	211	12	no	no	DET
fsr-3238	211	13	risk	risk	NOUN
fsr-3238	211	14	)	)	PUNCT
fsr-3238	211	15	average	average	ADJ
fsr-3238	211	16	risk	risk	NOUN
fsr-3238	211	17	0.252	0.252	NUM
fsr-3238	211	18	0.1082	0.1082	NUM
fsr-3238	211	19	0.1569	0.1569	NUM
fsr-3238	211	20	1.287	1.287	NUM
fsr-3238	211	21	combination	combination	NOUN
fsr-3238	211	22	of	of	ADP
fsr-3238	211	23	above	above	ADJ
fsr-3238	211	24	-	-	PUNCT
fsr-3238	211	25	average	average	ADJ
fsr-3238	211	26	and	and	CCONJ
fsr-3238	211	27	substantial	substantial	ADJ
fsr-3238	211	28	risk	risk	NOUN
fsr-3238	211	29	0.4357	0.4357	NUM
fsr-3238	211	30	0.0243	0.0243	NUM
fsr-3238	211	31	0.1938	0.1938	NUM
fsr-3238	211	32	1.546	1.546	NUM
fsr-3238	211	33	concordance	concordance	NOUN
fsr-3238	211	34	(	(	PUNCT
fsr-3238	211	35	mean	mean	NOUN
fsr-3238	211	36	)	)	PUNCT
fsr-3238	211	37	67.6	67.6	NUM
fsr-3238	211	38	%	%	NOUN
fsr-3238	211	39	a	a	DET
fsr-3238	211	40	unweighted	unweighted	ADJ
fsr-3238	211	41	rii	rii	ADJ
fsr-3238	211	42	analysis	analysis	NOUN
fsr-3238	211	43	of	of	ADP
fsr-3238	211	44	2010	2010	NUM
fsr-3238	211	45	scf	scf	PROPN
fsr-3238	211	46	dataset	dataset	NOUN
fsr-3238	211	47	,	,	PUNCT
fsr-3238	211	48	analysis	analysis	NOUN
fsr-3238	211	49	of	of	ADP
fsr-3238	211	50	1,203	1,203	NUM
fsr-3238	211	51	households	household	NOUN
fsr-3238	211	52	with	with	ADP
fsr-3238	211	53	full	full	ADJ
fsr-3238	211	54	-	-	PUNCT
fsr-3238	211	55	time	time	NOUN
fsr-3238	211	56	employed	employ	VERB
fsr-3238	211	57	head	head	NOUN
fsr-3238	211	58	age	age	NOUN
fsr-3238	211	59	35–60	35–60	PROPN
fsr-3238	211	60	,	,	PUNCT
fsr-3238	211	61	and	and	CCONJ
fsr-3238	211	62	with	with	ADP
fsr-3238	211	63	objective	objective	ADJ
fsr-3238	211	64	retirement	retirement	NOUN
fsr-3238	211	65	inadequacy	inadequacy	NOUN
fsr-3238	211	66	.	.	PUNCT
fsr-3238	212	1	150	150	NUM
fsr-3238	212	2	k.t	k.t	PROPN
fsr-3238	212	3	.	.	PUNCT
fsr-3238	213	1	kim	kim	PROPN
fsr-3238	213	2	,	,	PUNCT
fsr-3238	213	3	s.d	s.d	PROPN
fsr-3238	213	4	.	.	PROPN
fsr-3238	213	5	hanna	hanna	PROPN
fsr-3238	213	6	/	/	SYM
fsr-3238	213	7	financial	financial	ADJ
fsr-3238	213	8	services	service	NOUN
fsr-3238	213	9	review	review	VERB
fsr-3238	213	10	24	24	NUM
fsr-3238	213	11	(	(	PUNCT
fsr-3238	213	12	2015	2015	NUM
fsr-3238	213	13	)	)	PUNCT
fsr-3238	213	14	139–155	139–155	NUM
fsr-3238	213	15	planning	planning	NOUN
fsr-3238	213	16	services	service	NOUN
fsr-3238	213	17	.	.	PUNCT
fsr-3238	214	1	those	those	PRON
fsr-3238	214	2	who	who	PRON
fsr-3238	214	3	have	have	VERB
fsr-3238	214	4	good	good	ADJ
fsr-3238	214	5	understanding	understanding	NOUN
fsr-3238	214	6	of	of	ADP
fsr-3238	214	7	the	the	DET
fsr-3238	214	8	scf	scf	PROPN
fsr-3238	214	9	survey	survey	NOUN
fsr-3238	214	10	question	question	NOUN
fsr-3238	214	11	are	be	AUX
fsr-3238	214	12	less	less	ADV
fsr-3238	214	13	likely	likely	ADJ
fsr-3238	214	14	to	to	PART
fsr-3238	214	15	be	be	AUX
fsr-3238	214	16	unrealistic	unrealistic	ADJ
fsr-3238	214	17	than	than	ADP
fsr-3238	214	18	those	those	PRON
fsr-3238	214	19	who	who	PRON
fsr-3238	214	20	have	have	VERB
fsr-3238	214	21	a	a	DET
fsr-3238	214	22	poor	poor	ADJ
fsr-3238	214	23	understanding	understanding	NOUN
fsr-3238	214	24	,	,	PUNCT
fsr-3238	214	25	suggesting	suggest	VERB
fsr-3238	214	26	that	that	SCONJ
fsr-3238	214	27	cognitive	cognitive	ADJ
fsr-3238	214	28	ability	ability	NOUN
fsr-3238	214	29	does	do	AUX
fsr-3238	214	30	play	play	VERB
fsr-3238	214	31	a	a	DET
fsr-3238	214	32	role	role	NOUN
fsr-3238	214	33	in	in	ADP
fsr-3238	214	34	accurate	accurate	ADJ
fsr-3238	214	35	assessment	assessment	NOUN
fsr-3238	214	36	of	of	ADP
fsr-3238	214	37	retirement	retirement	NOUN
fsr-3238	214	38	adequacy	adequacy	NOUN
fsr-3238	214	39	.	.	PUNCT
fsr-3238	215	1	among	among	ADP
fsr-3238	215	2	financial	financial	ADJ
fsr-3238	215	3	experience	experience	NOUN
fsr-3238	215	4	variables	variable	NOUN
fsr-3238	215	5	,	,	PUNCT
fsr-3238	215	6	age	age	NOUN
fsr-3238	215	7	of	of	ADP
fsr-3238	215	8	the	the	DET
fsr-3238	215	9	household	household	NOUN
fsr-3238	215	10	head	head	NOUN
fsr-3238	215	11	is	be	AUX
fsr-3238	215	12	positively	positively	ADV
fsr-3238	215	13	associated	associate	VERB
fsr-3238	215	14	with	with	ADP
fsr-3238	215	15	the	the	DET
fsr-3238	215	16	likelihood	likelihood	NOUN
fsr-3238	215	17	of	of	ADP
fsr-3238	215	18	being	be	AUX
fsr-3238	215	19	unrealistically	unrealistically	ADV
fsr-3238	215	20	optimistic	optimistic	ADJ
fsr-3238	215	21	.	.	PUNCT
fsr-3238	216	1	it	it	PRON
fsr-3238	216	2	is	be	AUX
fsr-3238	216	3	possible	possible	ADJ
fsr-3238	216	4	that	that	SCONJ
fsr-3238	216	5	cognitive	cognitive	ADJ
fsr-3238	216	6	decline	decline	NOUN
fsr-3238	216	7	may	may	AUX
fsr-3238	216	8	play	play	VERB
fsr-3238	216	9	a	a	DET
fsr-3238	216	10	role	role	NOUN
fsr-3238	216	11	in	in	ADP
fsr-3238	216	12	this	this	DET
fsr-3238	216	13	pattern	pattern	NOUN
fsr-3238	216	14	,	,	PUNCT
fsr-3238	216	15	though	though	SCONJ
fsr-3238	216	16	given	give	VERB
fsr-3238	216	17	that	that	SCONJ
fsr-3238	216	18	agarwal	agarwal	PROPN
fsr-3238	216	19	et	et	PROPN
fsr-3238	216	20	al	al	PROPN
fsr-3238	216	21	.	.	PROPN
fsr-3238	217	1	(	(	PUNCT
fsr-3238	217	2	2009	2009	NUM
fsr-3238	217	3	)	)	PUNCT
fsr-3238	217	4	suggest	suggest	VERB
fsr-3238	217	5	that	that	SCONJ
fsr-3238	217	6	the	the	DET
fsr-3238	217	7	incidence	incidence	NOUN
fsr-3238	217	8	of	of	ADP
fsr-3238	217	9	financial	financial	ADJ
fsr-3238	217	10	mistakes	mistake	NOUN
fsr-3238	217	11	might	might	AUX
fsr-3238	217	12	decrease	decrease	VERB
fsr-3238	217	13	with	with	ADP
fsr-3238	217	14	age	age	NOUN
fsr-3238	217	15	until	until	ADP
fsr-3238	217	16	about	about	ADP
fsr-3238	217	17	age	age	NOUN
fsr-3238	217	18	53	53	NUM
fsr-3238	217	19	,	,	PUNCT
fsr-3238	217	20	it	it	PRON
fsr-3238	217	21	seems	seem	VERB
fsr-3238	217	22	unlikely	unlikely	ADJ
fsr-3238	217	23	that	that	SCONJ
fsr-3238	217	24	this	this	PRON
fsr-3238	217	25	could	could	AUX
fsr-3238	217	26	be	be	AUX
fsr-3238	217	27	the	the	DET
fsr-3238	217	28	only	only	ADJ
fsr-3238	217	29	factor	factor	NOUN
fsr-3238	217	30	related	relate	VERB
fsr-3238	217	31	to	to	ADP
fsr-3238	217	32	this	this	DET
fsr-3238	217	33	pattern	pattern	NOUN
fsr-3238	217	34	.	.	PUNCT
fsr-3238	218	1	the	the	DET
fsr-3238	218	2	effect	effect	NOUN
fsr-3238	218	3	of	of	ADP
fsr-3238	218	4	age	age	NOUN
fsr-3238	218	5	on	on	ADP
fsr-3238	218	6	over	over	ADP
fsr-3238	218	7	-	-	PUNCT
fsr-3238	218	8	optimism	optimism	NOUN
fsr-3238	218	9	might	might	AUX
fsr-3238	218	10	be	be	AUX
fsr-3238	218	11	related	relate	VERB
fsr-3238	218	12	to	to	ADP
fsr-3238	218	13	the	the	DET
fsr-3238	218	14	cognitive	cognitive	ADJ
fsr-3238	218	15	dissonance	dissonance	NOUN
fsr-3238	218	16	of	of	ADP
fsr-3238	218	17	some	some	DET
fsr-3238	218	18	households	household	NOUN
fsr-3238	218	19	.	.	PUNCT
fsr-3238	219	1	the	the	DET
fsr-3238	219	2	theory	theory	NOUN
fsr-3238	219	3	of	of	ADP
fsr-3238	219	4	cognitive	cognitive	ADJ
fsr-3238	219	5	dissonance	dissonance	NOUN
fsr-3238	219	6	(	(	PUNCT
fsr-3238	219	7	festinger	festinger	NOUN
fsr-3238	219	8	,	,	PUNCT
fsr-3238	219	9	1957	1957	NUM
fsr-3238	219	10	)	)	PUNCT
fsr-3238	219	11	posits	posit	NOUN
fsr-3238	219	12	that	that	PRON
fsr-3238	219	13	individuals	individual	NOUN
fsr-3238	219	14	are	be	AUX
fsr-3238	219	15	distressed	distress	VERB
fsr-3238	219	16	by	by	ADP
fsr-3238	219	17	conflicting	conflict	VERB
fsr-3238	219	18	cognitive	cognitive	ADJ
fsr-3238	219	19	elements	element	NOUN
fsr-3238	219	20	.	.	PUNCT
fsr-3238	220	1	morton	morton	PROPN
fsr-3238	220	2	(	(	PUNCT
fsr-3238	220	3	1993	1993	NUM
fsr-3238	220	4	)	)	PUNCT
fsr-3238	220	5	suggests	suggest	VERB
fsr-3238	220	6	that	that	SCONJ
fsr-3238	220	7	individuals	individual	NOUN
fsr-3238	220	8	attempt	attempt	VERB
fsr-3238	220	9	to	to	PART
fsr-3238	220	10	decrease	decrease	VERB
fsr-3238	220	11	their	their	PRON
fsr-3238	220	12	dissonance	dissonance	NOUN
fsr-3238	220	13	by	by	ADP
fsr-3238	220	14	either	either	ADV
fsr-3238	220	15	:	:	PUNCT
fsr-3238	220	16	(	(	PUNCT
fsr-3238	220	17	1	1	X
fsr-3238	220	18	)	)	PUNCT
fsr-3238	220	19	changing	change	VERB
fsr-3238	220	20	their	their	PRON
fsr-3238	220	21	past	past	ADJ
fsr-3238	220	22	values	value	NOUN
fsr-3238	220	23	,	,	PUNCT
fsr-3238	220	24	feelings	feeling	NOUN
fsr-3238	220	25	,	,	PUNCT
fsr-3238	220	26	or	or	CCONJ
fsr-3238	220	27	opinions	opinion	NOUN
fsr-3238	220	28	,	,	PUNCT
fsr-3238	220	29	or	or	CCONJ
fsr-3238	220	30	,	,	PUNCT
fsr-3238	220	31	(	(	PUNCT
fsr-3238	220	32	2	2	X
fsr-3238	220	33	)	)	PUNCT
fsr-3238	220	34	attempting	attempt	VERB
fsr-3238	220	35	to	to	PART
fsr-3238	220	36	justify	justify	VERB
fsr-3238	220	37	or	or	CCONJ
fsr-3238	220	38	rationalize	rationalize	VERB
fsr-3238	220	39	their	their	PRON
fsr-3238	220	40	choices	choice	NOUN
fsr-3238	220	41	.	.	PUNCT
fsr-3238	221	1	in	in	ADP
fsr-3238	221	2	behavioral	behavioral	ADJ
fsr-3238	221	3	finance	finance	NOUN
fsr-3238	221	4	,	,	PUNCT
fsr-3238	221	5	financial	financial	ADJ
fsr-3238	221	6	cognitive	cognitive	ADJ
fsr-3238	221	7	dissonance	dissonance	NOUN
fsr-3238	221	8	is	be	AUX
fsr-3238	221	9	used	use	VERB
fsr-3238	221	10	in	in	ADP
fsr-3238	221	11	that	that	PRON
fsr-3238	221	12	individuals	individual	NOUN
fsr-3238	221	13	change	change	VERB
fsr-3238	221	14	their	their	PRON
fsr-3238	221	15	investment	investment	NOUN
fsr-3238	221	16	styles	style	NOUN
fsr-3238	221	17	or	or	CCONJ
fsr-3238	221	18	beliefs	belief	NOUN
fsr-3238	221	19	to	to	PART
fsr-3238	221	20	support	support	VERB
fsr-3238	221	21	their	their	PRON
fsr-3238	221	22	financial	financial	ADJ
fsr-3238	221	23	decisions	decision	NOUN
fsr-3238	221	24	(	(	PUNCT
fsr-3238	221	25	ricciardi	ricciardi	NOUN
fsr-3238	221	26	and	and	CCONJ
fsr-3238	221	27	simon	simon	PROPN
fsr-3238	221	28	,	,	PUNCT
fsr-3238	221	29	2000	2000	NUM
fsr-3238	221	30	)	)	PUNCT
fsr-3238	221	31	.	.	PUNCT
fsr-3238	222	1	with	with	ADP
fsr-3238	222	2	financial	financial	ADJ
fsr-3238	222	3	experience	experience	NOUN
fsr-3238	222	4	,	,	PUNCT
fsr-3238	222	5	people	people	NOUN
fsr-3238	222	6	should	should	AUX
fsr-3238	222	7	be	be	AUX
fsr-3238	222	8	better	well	ADV
fsr-3238	222	9	able	able	ADJ
fsr-3238	222	10	to	to	PART
fsr-3238	222	11	evaluate	evaluate	VERB
fsr-3238	222	12	objective	objective	ADJ
fsr-3238	222	13	situations	situation	NOUN
fsr-3238	222	14	,	,	PUNCT
fsr-3238	222	15	but	but	CCONJ
fsr-3238	222	16	cognitive	cognitive	ADJ
fsr-3238	222	17	dissonance	dissonance	NOUN
fsr-3238	222	18	may	may	AUX
fsr-3238	222	19	lead	lead	VERB
fsr-3238	222	20	to	to	ADP
fsr-3238	222	21	accepting	accept	VERB
fsr-3238	222	22	lower	low	ADJ
fsr-3238	222	23	standard	standard	NOUN
fsr-3238	222	24	of	of	ADP
fsr-3238	222	25	living	live	VERB
fsr-3238	222	26	in	in	ADP
fsr-3238	222	27	retirement	retirement	NOUN
fsr-3238	222	28	.	.	PUNCT
fsr-3238	223	1	another	another	DET
fsr-3238	223	2	explanation	explanation	NOUN
fsr-3238	223	3	might	might	AUX
fsr-3238	223	4	be	be	AUX
fsr-3238	223	5	that	that	SCONJ
fsr-3238	223	6	an	an	DET
fsr-3238	223	7	individual	individual	NOUN
fsr-3238	223	8	’s	’s	PART
fsr-3238	223	9	investment	investment	NOUN
fsr-3238	223	10	knowledge	knowledge	NOUN
fsr-3238	223	11	and	and	CCONJ
fsr-3238	223	12	skills	skill	NOUN
fsr-3238	223	13	change	change	NOUN
fsr-3238	223	14	by	by	ADP
fsr-3238	223	15	age	age	NOUN
fsr-3238	223	16	because	because	SCONJ
fsr-3238	223	17	of	of	ADP
fsr-3238	223	18	experience	experience	NOUN
fsr-3238	223	19	.	.	PUNCT
fsr-3238	224	1	korniotis	korniotis	PROPN
fsr-3238	224	2	and	and	CCONJ
fsr-3238	224	3	kumar	kumar	PROPN
fsr-3238	224	4	(	(	PUNCT
fsr-3238	224	5	2011	2011	NUM
fsr-3238	224	6	)	)	PUNCT
fsr-3238	224	7	find	find	VERB
fsr-3238	224	8	that	that	SCONJ
fsr-3238	224	9	older	old	ADJ
fsr-3238	224	10	investors	investor	NOUN
fsr-3238	224	11	are	be	AUX
fsr-3238	224	12	more	more	ADV
fsr-3238	224	13	likely	likely	ADJ
fsr-3238	224	14	to	to	PART
fsr-3238	224	15	have	have	VERB
fsr-3238	224	16	greater	great	ADJ
fsr-3238	224	17	investment	investment	NOUN
fsr-3238	224	18	experience	experience	NOUN
fsr-3238	224	19	and	and	CCONJ
fsr-3238	224	20	knowledge	knowledge	NOUN
fsr-3238	224	21	while	while	SCONJ
fsr-3238	224	22	they	they	PRON
fsr-3238	224	23	may	may	AUX
fsr-3238	224	24	face	face	VERB
fsr-3238	224	25	adverse	adverse	ADJ
fsr-3238	224	26	effects	effect	NOUN
fsr-3238	224	27	of	of	ADP
fsr-3238	224	28	cognitive	cognitive	ADJ
fsr-3238	224	29	aging	aging	NOUN
fsr-3238	224	30	on	on	ADP
fsr-3238	224	31	investment	investment	NOUN
fsr-3238	224	32	skills	skill	NOUN
fsr-3238	224	33	.	.	PUNCT
fsr-3238	225	1	older	old	ADJ
fsr-3238	225	2	investors	investor	NOUN
fsr-3238	225	3	would	would	AUX
fsr-3238	225	4	have	have	VERB
fsr-3238	225	5	more	more	ADJ
fsr-3238	225	6	experience	experience	NOUN
fsr-3238	225	7	in	in	ADP
fsr-3238	225	8	stock	stock	NOUN
fsr-3238	225	9	market	market	NOUN
fsr-3238	225	10	cycles	cycle	NOUN
fsr-3238	225	11	and	and	CCONJ
fsr-3238	225	12	have	have	VERB
fsr-3238	225	13	more	more	ADJ
fsr-3238	225	14	belief	belief	NOUN
fsr-3238	225	15	in	in	ADP
fsr-3238	225	16	the	the	DET
fsr-3238	225	17	possibility	possibility	NOUN
fsr-3238	225	18	of	of	ADP
fsr-3238	225	19	a	a	DET
fsr-3238	225	20	stock	stock	NOUN
fsr-3238	225	21	market	market	NOUN
fsr-3238	225	22	recovery	recovery	NOUN
fsr-3238	225	23	by	by	ADP
fsr-3238	225	24	retirement	retirement	NOUN
fsr-3238	225	25	,	,	PUNCT
fsr-3238	225	26	but	but	CCONJ
fsr-3238	225	27	younger	young	ADJ
fsr-3238	225	28	investors	investor	NOUN
fsr-3238	225	29	,	,	PUNCT
fsr-3238	225	30	with	with	ADP
fsr-3238	225	31	more	more	ADJ
fsr-3238	225	32	limited	limited	ADJ
fsr-3238	225	33	experience	experience	NOUN
fsr-3238	225	34	,	,	PUNCT
fsr-3238	225	35	might	might	AUX
fsr-3238	225	36	be	be	AUX
fsr-3238	225	37	pessimistic	pessimistic	ADJ
fsr-3238	225	38	.	.	PUNCT
fsr-3238	226	1	for	for	ADP
fsr-3238	226	2	evaluation	evaluation	NOUN
fsr-3238	226	3	of	of	ADP
fsr-3238	226	4	retirement	retirement	NOUN
fsr-3238	226	5	adequacy	adequacy	NOUN
fsr-3238	226	6	,	,	PUNCT
fsr-3238	226	7	experience	experience	NOUN
fsr-3238	226	8	and	and	CCONJ
fsr-3238	226	9	salience	salience	NOUN
fsr-3238	226	10	should	should	AUX
fsr-3238	226	11	increase	increase	VERB
fsr-3238	226	12	with	with	ADP
fsr-3238	226	13	age	age	NOUN
fsr-3238	226	14	,	,	PUNCT
fsr-3238	226	15	and	and	CCONJ
fsr-3238	226	16	cognitive	cognitive	ADJ
fsr-3238	226	17	ability	ability	NOUN
fsr-3238	226	18	probably	probably	ADV
fsr-3238	226	19	plays	play	VERB
fsr-3238	226	20	less	less	ADJ
fsr-3238	226	21	of	of	ADP
fsr-3238	226	22	a	a	DET
fsr-3238	226	23	role	role	NOUN
fsr-3238	226	24	than	than	SCONJ
fsr-3238	226	25	it	it	PRON
fsr-3238	226	26	might	might	AUX
fsr-3238	226	27	for	for	ADP
fsr-3238	226	28	investment	investment	NOUN
fsr-3238	226	29	decisions	decision	NOUN
fsr-3238	226	30	.	.	PUNCT
fsr-3238	227	1	whites	white	NOUN
fsr-3238	227	2	are	be	AUX
fsr-3238	227	3	less	less	ADV
fsr-3238	227	4	likely	likely	ADJ
fsr-3238	227	5	to	to	PART
fsr-3238	227	6	be	be	AUX
fsr-3238	227	7	unrealistic	unrealistic	ADJ
fsr-3238	227	8	than	than	ADP
fsr-3238	227	9	households	household	NOUN
fsr-3238	227	10	categorized	categorize	VERB
fsr-3238	227	11	as	as	ADP
fsr-3238	227	12	black	black	ADJ
fsr-3238	227	13	or	or	CCONJ
fsr-3238	227	14	hispanic	hispanic	ADJ
fsr-3238	227	15	and	and	CCONJ
fsr-3238	227	16	asian	asian	ADJ
fsr-3238	227	17	/	/	SYM
fsr-3238	227	18	others	other	NOUN
fsr-3238	227	19	,	,	PUNCT
fsr-3238	227	20	perhaps	perhaps	ADV
fsr-3238	227	21	because	because	SCONJ
fsr-3238	227	22	of	of	ADP
fsr-3238	227	23	greater	great	ADJ
fsr-3238	227	24	financial	financial	ADJ
fsr-3238	227	25	experience	experience	NOUN
fsr-3238	227	26	.	.	PUNCT
fsr-3238	228	1	whites	white	NOUN
fsr-3238	228	2	have	have	VERB
fsr-3238	228	3	more	more	ADJ
fsr-3238	228	4	financial	financial	ADJ
fsr-3238	228	5	experiences	experience	NOUN
fsr-3238	228	6	with	with	ADP
fsr-3238	228	7	stock	stock	NOUN
fsr-3238	228	8	ownership	ownership	NOUN
fsr-3238	228	9	than	than	ADP
fsr-3238	228	10	other	other	ADJ
fsr-3238	228	11	minority	minority	NOUN
fsr-3238	228	12	households	household	NOUN
fsr-3238	228	13	(	(	PUNCT
fsr-3238	228	14	hanna	hanna	NOUN
fsr-3238	228	15	and	and	CCONJ
fsr-3238	228	16	lindamood	lindamood	NOUN
fsr-3238	228	17	,	,	PUNCT
fsr-3238	228	18	2008	2008	NUM
fsr-3238	228	19	)	)	PUNCT
fsr-3238	228	20	.	.	PUNCT
fsr-3238	229	1	in	in	ADP
fsr-3238	229	2	addition	addition	NOUN
fsr-3238	229	3	,	,	PUNCT
fsr-3238	229	4	whites	white	NOUN
fsr-3238	229	5	are	be	AUX
fsr-3238	229	6	more	more	ADV
fsr-3238	229	7	likely	likely	ADJ
fsr-3238	229	8	to	to	PART
fsr-3238	229	9	be	be	AUX
fsr-3238	229	10	financially	financially	ADV
fsr-3238	229	11	literate	literate	ADJ
fsr-3238	229	12	than	than	ADP
fsr-3238	229	13	blacks	black	NOUN
fsr-3238	229	14	and	and	CCONJ
fsr-3238	229	15	hispanics	hispanic	NOUN
fsr-3238	229	16	(	(	PUNCT
fsr-3238	229	17	lusardi	lusardi	NOUN
fsr-3238	229	18	and	and	CCONJ
fsr-3238	229	19	mitchell	mitchell	PROPN
fsr-3238	229	20	,	,	PUNCT
fsr-3238	229	21	2011	2011	NUM
fsr-3238	229	22	)	)	PUNCT
fsr-3238	229	23	.	.	PUNCT
fsr-3238	230	1	loving	love	VERB
fsr-3238	230	2	,	,	PUNCT
fsr-3238	230	3	finke	finke	PROPN
fsr-3238	230	4	,	,	PUNCT
fsr-3238	230	5	and	and	CCONJ
fsr-3238	230	6	salter	salter	NOUN
fsr-3238	230	7	(	(	PUNCT
fsr-3238	230	8	2012	2012	NUM
fsr-3238	230	9	)	)	PUNCT
fsr-3238	230	10	find	find	VERB
fsr-3238	230	11	that	that	SCONJ
fsr-3238	230	12	the	the	DET
fsr-3238	230	13	racial	racial	ADJ
fsr-3238	230	14	/	/	SYM
fsr-3238	230	15	ethnic	ethnic	ADJ
fsr-3238	230	16	difference	difference	NOUN
fsr-3238	230	17	in	in	ADP
fsr-3238	230	18	stock	stock	NOUN
fsr-3238	230	19	market	market	NOUN
fsr-3238	230	20	participation	participation	NOUN
fsr-3238	230	21	in	in	ADP
fsr-3238	230	22	2004	2004	NUM
fsr-3238	230	23	(	(	PUNCT
fsr-3238	230	24	whites	white	NOUN
fsr-3238	230	25	vs.	vs.	ADP
fsr-3238	230	26	a	a	DET
fsr-3238	230	27	combined	combined	ADJ
fsr-3238	230	28	group	group	NOUN
fsr-3238	230	29	of	of	ADP
fsr-3238	230	30	blacks	black	NOUN
fsr-3238	230	31	and	and	CCONJ
fsr-3238	230	32	hispanics	hispanic	NOUN
fsr-3238	230	33	)	)	PUNCT
fsr-3238	230	34	is	be	AUX
fsr-3238	230	35	not	not	PART
fsr-3238	230	36	significant	significant	ADJ
fsr-3238	230	37	after	after	ADP
fsr-3238	230	38	controlling	control	VERB
fsr-3238	230	39	for	for	ADP
fsr-3238	230	40	measures	measure	NOUN
fsr-3238	230	41	of	of	ADP
fsr-3238	230	42	cognitive	cognitive	ADJ
fsr-3238	230	43	ability	ability	NOUN
fsr-3238	230	44	and	and	CCONJ
fsr-3238	230	45	investor	investor	NOUN
fsr-3238	230	46	experience	experience	NOUN
fsr-3238	230	47	.	.	PUNCT
fsr-3238	231	1	we	we	PRON
fsr-3238	231	2	do	do	AUX
fsr-3238	231	3	not	not	PART
fsr-3238	231	4	have	have	VERB
fsr-3238	231	5	good	good	ADJ
fsr-3238	231	6	proxies	proxy	NOUN
fsr-3238	231	7	for	for	ADP
fsr-3238	231	8	either	either	DET
fsr-3238	231	9	factor	factor	NOUN
fsr-3238	231	10	,	,	PUNCT
fsr-3238	231	11	but	but	CCONJ
fsr-3238	231	12	we	we	PRON
fsr-3238	231	13	are	be	AUX
fsr-3238	231	14	controlling	control	VERB
fsr-3238	231	15	for	for	ADP
fsr-3238	231	16	education	education	NOUN
fsr-3238	231	17	,	,	PUNCT
fsr-3238	231	18	and	and	CCONJ
fsr-3238	231	19	it	it	PRON
fsr-3238	231	20	seems	seem	VERB
fsr-3238	231	21	plausible	plausible	ADJ
fsr-3238	231	22	that	that	SCONJ
fsr-3238	231	23	the	the	DET
fsr-3238	231	24	racial	racial	ADJ
fsr-3238	231	25	/	/	SYM
fsr-3238	231	26	ethnic	ethnic	ADJ
fsr-3238	231	27	differences	difference	NOUN
fsr-3238	231	28	in	in	ADP
fsr-3238	231	29	being	be	AUX
fsr-3238	231	30	realistic	realistic	ADJ
fsr-3238	231	31	about	about	ADP
fsr-3238	231	32	retirement	retirement	NOUN
fsr-3238	231	33	adequacy	adequacy	NOUN
fsr-3238	231	34	might	might	AUX
fsr-3238	231	35	be	be	AUX
fsr-3238	231	36	because	because	SCONJ
fsr-3238	231	37	of	of	ADP
fsr-3238	231	38	differences	difference	NOUN
fsr-3238	231	39	in	in	ADP
fsr-3238	231	40	investor	investor	NOUN
fsr-3238	231	41	experience	experience	NOUN
fsr-3238	231	42	.	.	PUNCT
fsr-3238	232	1	households	household	NOUN
fsr-3238	232	2	having	have	VERB
fsr-3238	232	3	a	a	DET
fsr-3238	232	4	defined	define	VERB
fsr-3238	232	5	benefit	benefit	NOUN
fsr-3238	232	6	pension	pension	NOUN
fsr-3238	232	7	are	be	AUX
fsr-3238	232	8	more	more	ADV
fsr-3238	232	9	likely	likely	ADJ
fsr-3238	232	10	to	to	PART
fsr-3238	232	11	be	be	AUX
fsr-3238	232	12	unrealistic	unrealistic	ADJ
fsr-3238	232	13	than	than	ADP
fsr-3238	232	14	similar	similar	ADJ
fsr-3238	232	15	households	household	NOUN
fsr-3238	232	16	not	not	PART
fsr-3238	232	17	having	have	VERB
fsr-3238	232	18	a	a	DET
fsr-3238	232	19	defined	define	VERB
fsr-3238	232	20	benefit	benefit	NOUN
fsr-3238	232	21	pension	pension	NOUN
fsr-3238	232	22	.	.	PUNCT
fsr-3238	233	1	this	this	PRON
fsr-3238	233	2	is	be	AUX
fsr-3238	233	3	a	a	DET
fsr-3238	233	4	contrary	contrary	ADJ
fsr-3238	233	5	result	result	NOUN
fsr-3238	233	6	to	to	ADP
fsr-3238	233	7	our	our	PRON
fsr-3238	233	8	expectation	expectation	NOUN
fsr-3238	233	9	because	because	SCONJ
fsr-3238	233	10	households	household	NOUN
fsr-3238	233	11	with	with	ADP
fsr-3238	233	12	defined	define	VERB
fsr-3238	233	13	benefit	benefit	NOUN
fsr-3238	233	14	plan	plan	NOUN
fsr-3238	233	15	are	be	AUX
fsr-3238	233	16	able	able	ADJ
fsr-3238	233	17	to	to	PART
fsr-3238	233	18	assess	assess	VERB
fsr-3238	233	19	their	their	PRON
fsr-3238	233	20	guaranteed	guarantee	VERB
fsr-3238	233	21	retirement	retirement	NOUN
fsr-3238	233	22	income	income	NOUN
fsr-3238	233	23	.	.	PUNCT
fsr-3238	234	1	one	one	NUM
fsr-3238	234	2	possible	possible	ADJ
fsr-3238	234	3	explanation	explanation	NOUN
fsr-3238	234	4	would	would	AUX
fsr-3238	234	5	be	be	AUX
fsr-3238	234	6	that	that	SCONJ
fsr-3238	234	7	households	household	NOUN
fsr-3238	234	8	might	might	AUX
fsr-3238	234	9	not	not	PART
fsr-3238	234	10	have	have	VERB
fsr-3238	234	11	good	good	ADJ
fsr-3238	234	12	numeracy	numeracy	NOUN
fsr-3238	234	13	related	relate	VERB
fsr-3238	234	14	to	to	ADP
fsr-3238	234	15	retirement	retirement	NOUN
fsr-3238	234	16	income	income	NOUN
fsr-3238	234	17	,	,	PUNCT
fsr-3238	234	18	and	and	CCONJ
fsr-3238	234	19	may	may	AUX
fsr-3238	234	20	just	just	ADV
fsr-3238	234	21	assume	assume	VERB
fsr-3238	234	22	that	that	SCONJ
fsr-3238	234	23	simply	simply	ADV
fsr-3238	234	24	having	have	VERB
fsr-3238	234	25	these	these	DET
fsr-3238	234	26	plans	plan	NOUN
fsr-3238	234	27	will	will	AUX
fsr-3238	234	28	achieve	achieve	VERB
fsr-3238	234	29	adequacy	adequacy	NOUN
fsr-3238	234	30	.	.	PUNCT
fsr-3238	235	1	similarly	similarly	ADV
fsr-3238	235	2	,	,	PUNCT
fsr-3238	235	3	households	household	NOUN
fsr-3238	235	4	with	with	ADP
fsr-3238	235	5	a	a	DET
fsr-3238	235	6	defined	define	VERB
fsr-3238	235	7	contribution	contribution	NOUN
fsr-3238	235	8	plan	plan	NOUN
fsr-3238	235	9	are	be	AUX
fsr-3238	235	10	more	more	ADV
fsr-3238	235	11	likely	likely	ADJ
fsr-3238	235	12	to	to	PART
fsr-3238	235	13	be	be	AUX
fsr-3238	235	14	unrealistic	unrealistic	ADJ
fsr-3238	235	15	than	than	ADP
fsr-3238	235	16	those	those	PRON
fsr-3238	235	17	without	without	ADP
fsr-3238	235	18	a	a	DET
fsr-3238	235	19	defined	define	VERB
fsr-3238	235	20	contribution	contribution	NOUN
fsr-3238	235	21	plan	plan	NOUN
fsr-3238	235	22	.	.	PUNCT
fsr-3238	236	1	it	it	PRON
fsr-3238	236	2	is	be	AUX
fsr-3238	236	3	plausible	plausible	ADJ
fsr-3238	236	4	that	that	SCONJ
fsr-3238	236	5	many	many	ADJ
fsr-3238	236	6	workers	worker	NOUN
fsr-3238	236	7	with	with	ADP
fsr-3238	236	8	defined	define	VERB
fsr-3238	236	9	contribution	contribution	NOUN
fsr-3238	236	10	plans	plan	NOUN
fsr-3238	236	11	are	be	AUX
fsr-3238	236	12	unfamiliar	unfamiliar	ADJ
fsr-3238	236	13	with	with	ADP
fsr-3238	236	14	features	feature	NOUN
fsr-3238	236	15	of	of	ADP
fsr-3238	236	16	their	their	PRON
fsr-3238	236	17	plans	plan	NOUN
fsr-3238	236	18	,	,	PUNCT
fsr-3238	236	19	may	may	AUX
fsr-3238	236	20	not	not	PART
fsr-3238	236	21	151k.t	151k.t	NUM
fsr-3238	236	22	.	.	PUNCT
fsr-3238	237	1	kim	kim	PROPN
fsr-3238	237	2	,	,	PUNCT
fsr-3238	237	3	s.d	s.d	PROPN
fsr-3238	237	4	.	.	PROPN
fsr-3238	237	5	hanna	hanna	PROPN
fsr-3238	237	6	/	/	SYM
fsr-3238	237	7	financial	financial	ADJ
fsr-3238	237	8	services	service	NOUN
fsr-3238	237	9	review	review	VERB
fsr-3238	237	10	24	24	NUM
fsr-3238	237	11	(	(	PUNCT
fsr-3238	237	12	2015	2015	NUM
fsr-3238	237	13	)	)	PUNCT
fsr-3238	237	14	139–155	139–155	PRON
fsr-3238	237	15	be	be	AUX
fsr-3238	237	16	able	able	ADJ
fsr-3238	237	17	to	to	PART
fsr-3238	237	18	accurately	accurately	ADV
fsr-3238	237	19	assess	assess	VERB
fsr-3238	237	20	retirement	retirement	NOUN
fsr-3238	237	21	adequacy	adequacy	NOUN
fsr-3238	237	22	,	,	PUNCT
fsr-3238	237	23	or	or	CCONJ
fsr-3238	237	24	they	they	PRON
fsr-3238	237	25	may	may	AUX
fsr-3238	237	26	assume	assume	VERB
fsr-3238	237	27	that	that	SCONJ
fsr-3238	237	28	just	just	ADV
fsr-3238	237	29	having	have	VERB
fsr-3238	237	30	a	a	DET
fsr-3238	237	31	plan	plan	NOUN
fsr-3238	237	32	may	may	AUX
fsr-3238	237	33	lead	lead	VERB
fsr-3238	237	34	to	to	ADP
fsr-3238	237	35	retirement	retirement	NOUN
fsr-3238	237	36	adequacy	adequacy	NOUN
fsr-3238	237	37	.	.	PUNCT
fsr-3238	238	1	households	household	NOUN
fsr-3238	238	2	who	who	PRON
fsr-3238	238	3	expect	expect	VERB
fsr-3238	238	4	that	that	SCONJ
fsr-3238	238	5	they	they	PRON
fsr-3238	238	6	will	will	AUX
fsr-3238	238	7	retire	retire	VERB
fsr-3238	238	8	after	after	ADP
fsr-3238	238	9	65	65	NUM
fsr-3238	238	10	,	,	PUNCT
fsr-3238	238	11	or	or	CCONJ
fsr-3238	238	12	never	never	ADV
fsr-3238	238	13	retire	retire	VERB
fsr-3238	238	14	,	,	PUNCT
fsr-3238	238	15	are	be	AUX
fsr-3238	238	16	less	less	ADV
fsr-3238	238	17	likely	likely	ADJ
fsr-3238	238	18	to	to	PART
fsr-3238	238	19	be	be	AUX
fsr-3238	238	20	unrealistic	unrealistic	ADJ
fsr-3238	238	21	than	than	ADP
fsr-3238	238	22	those	those	PRON
fsr-3238	238	23	with	with	ADP
fsr-3238	238	24	an	an	DET
fsr-3238	238	25	expected	expect	VERB
fsr-3238	238	26	retirement	retirement	NOUN
fsr-3238	238	27	age	age	NOUN
fsr-3238	238	28	less	less	ADJ
fsr-3238	238	29	than	than	ADP
fsr-3238	238	30	62	62	NUM
fsr-3238	238	31	.	.	PUNCT
fsr-3238	239	1	unrealistic	unrealistic	ADJ
fsr-3238	239	2	optimists	optimist	NOUN
fsr-3238	239	3	may	may	AUX
fsr-3238	239	4	plan	plan	VERB
fsr-3238	239	5	to	to	PART
fsr-3238	239	6	retire	retire	VERB
fsr-3238	239	7	at	at	ADP
fsr-3238	239	8	a	a	DET
fsr-3238	239	9	relatively	relatively	ADV
fsr-3238	239	10	earlier	early	ADJ
fsr-3238	239	11	age	age	NOUN
fsr-3238	239	12	because	because	SCONJ
fsr-3238	239	13	of	of	ADP
fsr-3238	239	14	their	their	PRON
fsr-3238	239	15	optimism	optimism	NOUN
fsr-3238	239	16	for	for	ADP
fsr-3238	239	17	retirement	retirement	NOUN
fsr-3238	239	18	adequacy	adequacy	NOUN
fsr-3238	239	19	.	.	PUNCT
fsr-3238	240	1	as	as	SCONJ
fsr-3238	240	2	expected	expect	VERB
fsr-3238	240	3	,	,	PUNCT
fsr-3238	240	4	households	household	NOUN
fsr-3238	240	5	willing	willing	ADJ
fsr-3238	240	6	to	to	PART
fsr-3238	240	7	take	take	VERB
fsr-3238	240	8	above	above	ADJ
fsr-3238	240	9	-	-	PUNCT
fsr-3238	240	10	average	average	ADJ
fsr-3238	240	11	or	or	CCONJ
fsr-3238	240	12	substantial	substantial	ADJ
fsr-3238	240	13	risk	risk	NOUN
fsr-3238	240	14	have	have	VERB
fsr-3238	240	15	a	a	DET
fsr-3238	240	16	higher	high	ADJ
fsr-3238	240	17	likelihood	likelihood	NOUN
fsr-3238	240	18	of	of	ADP
fsr-3238	240	19	being	be	AUX
fsr-3238	240	20	unrealistic	unrealistic	ADJ
fsr-3238	240	21	than	than	ADP
fsr-3238	240	22	similar	similar	ADJ
fsr-3238	240	23	households	household	NOUN
fsr-3238	240	24	unwilling	unwilling	ADJ
fsr-3238	240	25	to	to	PART
fsr-3238	240	26	take	take	VERB
fsr-3238	240	27	risk	risk	NOUN
fsr-3238	240	28	.	.	PUNCT
fsr-3238	241	1	pirinsky	pirinsky	NOUN
fsr-3238	241	2	(	(	PUNCT
fsr-3238	241	3	2013	2013	NUM
fsr-3238	241	4	)	)	PUNCT
fsr-3238	241	5	suggests	suggest	VERB
fsr-3238	241	6	that	that	SCONJ
fsr-3238	241	7	more	more	ADV
fsr-3238	241	8	confident	confident	ADJ
fsr-3238	241	9	people	people	NOUN
fsr-3238	241	10	are	be	AUX
fsr-3238	241	11	more	more	ADV
fsr-3238	241	12	likely	likely	ADJ
fsr-3238	241	13	to	to	PART
fsr-3238	241	14	take	take	VERB
fsr-3238	241	15	risks	risk	NOUN
fsr-3238	241	16	than	than	ADP
fsr-3238	241	17	those	those	PRON
fsr-3238	241	18	with	with	ADP
fsr-3238	241	19	less	less	ADJ
fsr-3238	241	20	confidence	confidence	NOUN
fsr-3238	241	21	,	,	PUNCT
fsr-3238	241	22	and	and	CCONJ
fsr-3238	241	23	optimism	optimism	NOUN
fsr-3238	241	24	is	be	AUX
fsr-3238	241	25	found	find	VERB
fsr-3238	241	26	to	to	PART
fsr-3238	241	27	be	be	AUX
fsr-3238	241	28	one	one	NUM
fsr-3238	241	29	of	of	ADP
fsr-3238	241	30	the	the	DET
fsr-3238	241	31	strongest	strong	ADJ
fsr-3238	241	32	determinants	determinant	NOUN
fsr-3238	241	33	of	of	ADP
fsr-3238	241	34	being	be	AUX
fsr-3238	241	35	willing	willing	ADJ
fsr-3238	241	36	to	to	PART
fsr-3238	241	37	take	take	VERB
fsr-3238	241	38	risk	risk	NOUN
fsr-3238	241	39	.	.	PUNCT
fsr-3238	242	1	the	the	DET
fsr-3238	242	2	more	more	ADV
fsr-3238	242	3	sophisticated	sophisticated	ADJ
fsr-3238	242	4	respondents	respondent	NOUN
fsr-3238	242	5	might	might	AUX
fsr-3238	242	6	assume	assume	VERB
fsr-3238	242	7	that	that	SCONJ
fsr-3238	242	8	despite	despite	SCONJ
fsr-3238	242	9	the	the	DET
fsr-3238	242	10	stock	stock	NOUN
fsr-3238	242	11	market	market	NOUN
fsr-3238	242	12	crash	crash	NOUN
fsr-3238	242	13	leading	lead	VERB
fsr-3238	242	14	to	to	ADP
fsr-3238	242	15	big	big	ADJ
fsr-3238	242	16	decreases	decrease	NOUN
fsr-3238	242	17	in	in	ADP
fsr-3238	242	18	their	their	PRON
fsr-3238	242	19	retirement	retirement	NOUN
fsr-3238	242	20	wealth	wealth	NOUN
fsr-3238	242	21	,	,	PUNCT
fsr-3238	242	22	mean	mean	VERB
fsr-3238	242	23	reversion	reversion	NOUN
fsr-3238	242	24	of	of	ADP
fsr-3238	242	25	returns	return	NOUN
fsr-3238	242	26	might	might	AUX
fsr-3238	242	27	lead	lead	VERB
fsr-3238	242	28	to	to	ADP
fsr-3238	242	29	higher	high	ADJ
fsr-3238	242	30	returns	return	NOUN
fsr-3238	242	31	than	than	ADP
fsr-3238	242	32	the	the	DET
fsr-3238	242	33	historical	historical	ADJ
fsr-3238	242	34	means	mean	NOUN
fsr-3238	242	35	.	.	PUNCT
fsr-3238	243	1	many	many	ADJ
fsr-3238	243	2	of	of	ADP
fsr-3238	243	3	the	the	DET
fsr-3238	243	4	descriptive	descriptive	ADJ
fsr-3238	243	5	patterns	pattern	NOUN
fsr-3238	243	6	shown	show	VERB
fsr-3238	243	7	in	in	ADP
fsr-3238	243	8	table	table	NOUN
fsr-3238	243	9	2	2	NUM
fsr-3238	243	10	also	also	ADV
fsr-3238	243	11	are	be	AUX
fsr-3238	243	12	significant	significant	ADJ
fsr-3238	243	13	after	after	ADP
fsr-3238	243	14	controlling	control	VERB
fsr-3238	243	15	for	for	ADP
fsr-3238	243	16	other	other	ADJ
fsr-3238	243	17	factors	factor	NOUN
fsr-3238	243	18	in	in	ADP
fsr-3238	243	19	the	the	DET
fsr-3238	243	20	logistic	logistic	ADJ
fsr-3238	243	21	regression	regression	NOUN
fsr-3238	243	22	(	(	PUNCT
fsr-3238	243	23	table	table	NOUN
fsr-3238	243	24	3	3	NUM
fsr-3238	243	25	.	.	PUNCT
fsr-3238	243	26	)	)	PUNCT
fsr-3238	244	1	the	the	DET
fsr-3238	244	2	likelihood	likelihood	NOUN
fsr-3238	244	3	of	of	ADP
fsr-3238	244	4	being	be	AUX
fsr-3238	244	5	an	an	DET
fsr-3238	244	6	unrealistic	unrealistic	ADJ
fsr-3238	244	7	optimist	optimist	NOUN
fsr-3238	244	8	decreases	decrease	VERB
fsr-3238	244	9	with	with	ADP
fsr-3238	244	10	years	year	NOUN
fsr-3238	244	11	of	of	ADP
fsr-3238	244	12	education	education	NOUN
fsr-3238	244	13	.	.	PUNCT
fsr-3238	245	1	however	however	ADV
fsr-3238	245	2	,	,	PUNCT
fsr-3238	245	3	understanding	understanding	NOUN
fsr-3238	245	4	of	of	ADP
fsr-3238	245	5	the	the	DET
fsr-3238	245	6	survey	survey	NOUN
fsr-3238	245	7	questions	question	NOUN
fsr-3238	245	8	and	and	CCONJ
fsr-3238	245	9	use	use	NOUN
fsr-3238	245	10	of	of	ADP
fsr-3238	245	11	a	a	DET
fsr-3238	245	12	financial	financial	ADJ
fsr-3238	245	13	planner	planner	NOUN
fsr-3238	245	14	are	be	AUX
fsr-3238	245	15	not	not	PART
fsr-3238	245	16	significantly	significantly	ADV
fsr-3238	245	17	related	relate	VERB
fsr-3238	245	18	to	to	ADP
fsr-3238	245	19	being	be	AUX
fsr-3238	245	20	unrealistic	unrealistic	ADJ
fsr-3238	245	21	.	.	PUNCT
fsr-3238	246	1	the	the	DET
fsr-3238	246	2	fact	fact	NOUN
fsr-3238	246	3	that	that	SCONJ
fsr-3238	246	4	use	use	NOUN
fsr-3238	246	5	of	of	ADP
fsr-3238	246	6	a	a	DET
fsr-3238	246	7	financial	financial	ADJ
fsr-3238	246	8	planner	planner	NOUN
fsr-3238	246	9	has	have	AUX
fsr-3238	246	10	a	a	DET
fsr-3238	246	11	positive	positive	ADJ
fsr-3238	246	12	though	though	ADV
fsr-3238	246	13	insignificant	insignificant	ADJ
fsr-3238	246	14	effect	effect	NOUN
fsr-3238	246	15	on	on	ADP
fsr-3238	246	16	being	be	AUX
fsr-3238	246	17	unrealistic	unrealistic	ADJ
fsr-3238	246	18	does	do	AUX
fsr-3238	246	19	not	not	PART
fsr-3238	246	20	support	support	VERB
fsr-3238	246	21	the	the	DET
fsr-3238	246	22	idea	idea	NOUN
fsr-3238	246	23	that	that	SCONJ
fsr-3238	246	24	financial	financial	ADJ
fsr-3238	246	25	planners	planner	NOUN
fsr-3238	246	26	contribute	contribute	VERB
fsr-3238	246	27	to	to	ADP
fsr-3238	246	28	better	well	ADJ
fsr-3238	246	29	understanding	understanding	NOUN
fsr-3238	246	30	of	of	ADP
fsr-3238	246	31	retirement	retirement	NOUN
fsr-3238	246	32	adequacy	adequacy	NOUN
fsr-3238	246	33	.	.	PUNCT
fsr-3238	247	1	the	the	DET
fsr-3238	247	2	likelihood	likelihood	NOUN
fsr-3238	247	3	of	of	ADP
fsr-3238	247	4	being	be	AUX
fsr-3238	247	5	an	an	DET
fsr-3238	247	6	unrealistic	unrealistic	ADJ
fsr-3238	247	7	optimist	optimist	NOUN
fsr-3238	247	8	increases	increase	VERB
fsr-3238	247	9	with	with	ADP
fsr-3238	247	10	age	age	NOUN
fsr-3238	247	11	,	,	PUNCT
fsr-3238	247	12	so	so	CCONJ
fsr-3238	247	13	the	the	DET
fsr-3238	247	14	previous	previous	ADJ
fsr-3238	247	15	discussion	discussion	NOUN
fsr-3238	247	16	about	about	ADP
fsr-3238	247	17	possible	possible	ADJ
fsr-3238	247	18	explanations	explanation	NOUN
fsr-3238	247	19	based	base	VERB
fsr-3238	247	20	on	on	ADP
fsr-3238	247	21	the	the	DET
fsr-3238	247	22	descriptive	descriptive	ADJ
fsr-3238	247	23	patterns	pattern	NOUN
fsr-3238	247	24	in	in	ADP
fsr-3238	247	25	table	table	NOUN
fsr-3238	247	26	2	2	NUM
fsr-3238	247	27	is	be	AUX
fsr-3238	247	28	relevant	relevant	ADJ
fsr-3238	247	29	.	.	PUNCT
fsr-3238	248	1	it	it	PRON
fsr-3238	248	2	is	be	AUX
fsr-3238	248	3	possible	possible	ADJ
fsr-3238	248	4	that	that	SCONJ
fsr-3238	248	5	as	as	SCONJ
fsr-3238	248	6	workers	worker	NOUN
fsr-3238	248	7	get	get	VERB
fsr-3238	248	8	older	old	ADJ
fsr-3238	248	9	,	,	PUNCT
fsr-3238	248	10	they	they	PRON
fsr-3238	248	11	lower	lower	VERB
fsr-3238	248	12	their	their	PRON
fsr-3238	248	13	assessment	assessment	NOUN
fsr-3238	248	14	of	of	ADP
fsr-3238	248	15	what	what	PRON
fsr-3238	248	16	is	be	AUX
fsr-3238	248	17	acceptable	acceptable	ADJ
fsr-3238	248	18	.	.	PUNCT
fsr-3238	249	1	it	it	PRON
fsr-3238	249	2	is	be	AUX
fsr-3238	249	3	unclear	unclear	ADJ
fsr-3238	249	4	whether	whether	SCONJ
fsr-3238	249	5	they	they	PRON
fsr-3238	249	6	are	be	AUX
fsr-3238	249	7	being	be	AUX
fsr-3238	249	8	unrealistic	unrealistic	ADJ
fsr-3238	249	9	(	(	PUNCT
fsr-3238	249	10	compared	compare	VERB
fsr-3238	249	11	with	with	ADP
fsr-3238	249	12	an	an	DET
fsr-3238	249	13	objective	objective	ADJ
fsr-3238	249	14	standard	standard	NOUN
fsr-3238	249	15	that	that	PRON
fsr-3238	249	16	assumes	assume	VERB
fsr-3238	249	17	a	a	DET
fsr-3238	249	18	goal	goal	NOUN
fsr-3238	249	19	of	of	ADP
fsr-3238	249	20	maintaining	maintain	VERB
fsr-3238	249	21	a	a	DET
fsr-3238	249	22	similar	similar	ADJ
fsr-3238	249	23	standard	standard	NOUN
fsr-3238	249	24	of	of	ADP
fsr-3238	249	25	living	live	VERB
fsr-3238	249	26	in	in	ADP
fsr-3238	249	27	retirement	retirement	NOUN
fsr-3238	249	28	)	)	PUNCT
fsr-3238	249	29	or	or	CCONJ
fsr-3238	249	30	are	be	AUX
fsr-3238	249	31	just	just	ADV
fsr-3238	249	32	accepting	accept	VERB
fsr-3238	249	33	of	of	ADP
fsr-3238	249	34	the	the	DET
fsr-3238	249	35	likelihood	likelihood	NOUN
fsr-3238	249	36	of	of	ADP
fsr-3238	249	37	a	a	DET
fsr-3238	249	38	lower	low	ADJ
fsr-3238	249	39	standard	standard	NOUN
fsr-3238	249	40	of	of	ADP
fsr-3238	249	41	living	live	VERB
fsr-3238	249	42	in	in	ADP
fsr-3238	249	43	retirement	retirement	NOUN
fsr-3238	249	44	.	.	PUNCT
fsr-3238	250	1	it	it	PRON
fsr-3238	250	2	is	be	AUX
fsr-3238	250	3	also	also	ADV
fsr-3238	250	4	possible	possible	ADJ
fsr-3238	250	5	that	that	SCONJ
fsr-3238	250	6	older	old	ADJ
fsr-3238	250	7	workers	worker	NOUN
fsr-3238	250	8	,	,	PUNCT
fsr-3238	250	9	having	having	AUX
fsr-3238	250	10	experienced	experience	VERB
fsr-3238	250	11	more	more	ADJ
fsr-3238	250	12	economic	economic	ADJ
fsr-3238	250	13	cycles	cycle	NOUN
fsr-3238	250	14	in	in	ADP
fsr-3238	250	15	financial	financial	ADJ
fsr-3238	250	16	markets	market	NOUN
fsr-3238	250	17	,	,	PUNCT
fsr-3238	250	18	are	be	AUX
fsr-3238	250	19	more	more	ADV
fsr-3238	250	20	likely	likely	ADJ
fsr-3238	250	21	than	than	SCONJ
fsr-3238	250	22	younger	young	ADJ
fsr-3238	250	23	workers	worker	NOUN
fsr-3238	250	24	to	to	PART
fsr-3238	250	25	expect	expect	VERB
fsr-3238	250	26	mean	mean	ADJ
fsr-3238	250	27	reversion	reversion	NOUN
fsr-3238	250	28	in	in	ADP
fsr-3238	250	29	returns	return	NOUN
fsr-3238	250	30	.	.	PUNCT
fsr-3238	251	1	our	our	PRON
fsr-3238	251	2	objective	objective	ADJ
fsr-3238	251	3	measure	measure	NOUN
fsr-3238	251	4	projects	project	VERB
fsr-3238	251	5	balances	balance	NOUN
fsr-3238	251	6	reported	report	VERB
fsr-3238	251	7	in	in	ADP
fsr-3238	251	8	2010	2010	NUM
fsr-3238	251	9	forward	forward	ADV
fsr-3238	251	10	using	use	VERB
fsr-3238	251	11	historical	historical	ADJ
fsr-3238	251	12	mean	mean	ADJ
fsr-3238	251	13	returns	return	NOUN
fsr-3238	251	14	.	.	PUNCT
fsr-3238	252	1	controlling	control	VERB
fsr-3238	252	2	for	for	ADP
fsr-3238	252	3	other	other	ADJ
fsr-3238	252	4	factors	factor	NOUN
fsr-3238	252	5	,	,	PUNCT
fsr-3238	252	6	whites	white	NOUN
fsr-3238	252	7	are	be	AUX
fsr-3238	252	8	less	less	ADV
fsr-3238	252	9	likely	likely	ADJ
fsr-3238	252	10	than	than	ADP
fsr-3238	252	11	those	those	PRON
fsr-3238	252	12	in	in	ADP
fsr-3238	252	13	other	other	ADJ
fsr-3238	252	14	racial	racial	ADJ
fsr-3238	252	15	/	/	SYM
fsr-3238	252	16	ethnic	ethnic	ADJ
fsr-3238	252	17	groups	group	NOUN
fsr-3238	252	18	to	to	PART
fsr-3238	252	19	be	be	AUX
fsr-3238	252	20	unrealistic	unrealistic	ADJ
fsr-3238	252	21	.	.	PUNCT
fsr-3238	253	1	this	this	DET
fsr-3238	253	2	result	result	NOUN
fsr-3238	253	3	suggests	suggest	VERB
fsr-3238	253	4	the	the	DET
fsr-3238	253	5	need	need	NOUN
fsr-3238	253	6	for	for	ADP
fsr-3238	253	7	retirement	retirement	NOUN
fsr-3238	253	8	education	education	NOUN
fsr-3238	253	9	targeted	target	VERB
fsr-3238	253	10	at	at	ADP
fsr-3238	253	11	these	these	DET
fsr-3238	253	12	groups	group	NOUN
fsr-3238	253	13	.	.	PUNCT
fsr-3238	254	1	as	as	ADP
fsr-3238	254	2	with	with	ADP
fsr-3238	254	3	the	the	DET
fsr-3238	254	4	descriptive	descriptive	ADJ
fsr-3238	254	5	results	result	NOUN
fsr-3238	254	6	in	in	ADP
fsr-3238	254	7	table	table	NOUN
fsr-3238	254	8	2	2	NUM
fsr-3238	254	9	,	,	PUNCT
fsr-3238	254	10	controlling	control	VERB
fsr-3238	254	11	for	for	ADP
fsr-3238	254	12	other	other	ADJ
fsr-3238	254	13	factors	factor	NOUN
fsr-3238	254	14	,	,	PUNCT
fsr-3238	254	15	those	those	PRON
fsr-3238	254	16	with	with	ADP
fsr-3238	254	17	a	a	DET
fsr-3238	254	18	defined	define	VERB
fsr-3238	254	19	benefit	benefit	NOUN
fsr-3238	254	20	plan	plan	NOUN
fsr-3238	254	21	are	be	AUX
fsr-3238	254	22	more	more	ADV
fsr-3238	254	23	likely	likely	ADJ
fsr-3238	254	24	to	to	PART
fsr-3238	254	25	be	be	AUX
fsr-3238	254	26	unrealistically	unrealistically	ADV
fsr-3238	254	27	optimistic	optimistic	ADJ
fsr-3238	254	28	than	than	ADP
fsr-3238	254	29	those	those	PRON
fsr-3238	254	30	without	without	ADP
fsr-3238	254	31	a	a	DET
fsr-3238	254	32	defined	define	VERB
fsr-3238	254	33	benefit	benefit	NOUN
fsr-3238	254	34	plan	plan	NOUN
fsr-3238	254	35	.	.	PUNCT
fsr-3238	255	1	there	there	PRON
fsr-3238	255	2	is	be	VERB
fsr-3238	255	3	a	a	DET
fsr-3238	255	4	similar	similar	ADJ
fsr-3238	255	5	effect	effect	NOUN
fsr-3238	255	6	for	for	ADP
fsr-3238	255	7	having	have	VERB
fsr-3238	255	8	a	a	DET
fsr-3238	255	9	defined	define	VERB
fsr-3238	255	10	contribution	contribution	NOUN
fsr-3238	255	11	plan	plan	NOUN
fsr-3238	255	12	.	.	PUNCT
fsr-3238	256	1	assuming	assume	VERB
fsr-3238	256	2	that	that	SCONJ
fsr-3238	256	3	our	our	PRON
fsr-3238	256	4	projection	projection	NOUN
fsr-3238	256	5	of	of	ADP
fsr-3238	256	6	objective	objective	ADJ
fsr-3238	256	7	adequacy	adequacy	NOUN
fsr-3238	256	8	is	be	AUX
fsr-3238	256	9	valid	valid	ADJ
fsr-3238	256	10	,	,	PUNCT
fsr-3238	256	11	these	these	DET
fsr-3238	256	12	two	two	NUM
fsr-3238	256	13	results	result	NOUN
fsr-3238	256	14	suggest	suggest	VERB
fsr-3238	256	15	the	the	DET
fsr-3238	256	16	need	need	NOUN
fsr-3238	256	17	for	for	ADP
fsr-3238	256	18	better	well	ADJ
fsr-3238	256	19	employer	employer	NOUN
fsr-3238	256	20	education	education	NOUN
fsr-3238	256	21	for	for	ADP
fsr-3238	256	22	workers	worker	NOUN
fsr-3238	256	23	with	with	ADP
fsr-3238	256	24	such	such	ADJ
fsr-3238	256	25	plans	plan	NOUN
fsr-3238	256	26	.	.	PUNCT
fsr-3238	257	1	it	it	PRON
fsr-3238	257	2	is	be	AUX
fsr-3238	257	3	also	also	ADV
fsr-3238	257	4	possible	possible	ADJ
fsr-3238	257	5	that	that	SCONJ
fsr-3238	257	6	workers	worker	NOUN
fsr-3238	257	7	with	with	ADP
fsr-3238	257	8	these	these	DET
fsr-3238	257	9	plans	plan	NOUN
fsr-3238	257	10	have	have	VERB
fsr-3238	257	11	greater	great	ADJ
fsr-3238	257	12	financial	financial	ADJ
fsr-3238	257	13	experience	experience	NOUN
fsr-3238	257	14	,	,	PUNCT
fsr-3238	257	15	and	and	CCONJ
fsr-3238	257	16	perhaps	perhaps	ADV
fsr-3238	257	17	are	be	AUX
fsr-3238	257	18	more	more	ADV
fsr-3238	257	19	likely	likely	ADJ
fsr-3238	257	20	in	in	ADP
fsr-3238	257	21	2010	2010	NUM
fsr-3238	257	22	to	to	PART
fsr-3238	257	23	expect	expect	VERB
fsr-3238	257	24	mean	mean	ADJ
fsr-3238	257	25	reversion	reversion	NOUN
fsr-3238	257	26	in	in	ADP
fsr-3238	257	27	returns	return	NOUN
fsr-3238	257	28	than	than	ADP
fsr-3238	257	29	less	less	ADV
fsr-3238	257	30	experienced	experienced	ADJ
fsr-3238	257	31	workers	worker	NOUN
fsr-3238	257	32	without	without	ADP
fsr-3238	257	33	such	such	ADJ
fsr-3238	257	34	plans	plan	NOUN
fsr-3238	257	35	.	.	PUNCT
fsr-3238	258	1	our	our	PRON
fsr-3238	258	2	study	study	NOUN
fsr-3238	258	3	highlights	highlight	VERB
fsr-3238	258	4	the	the	DET
fsr-3238	258	5	substantial	substantial	ADJ
fsr-3238	258	6	divergence	divergence	NOUN
fsr-3238	258	7	between	between	ADP
fsr-3238	258	8	objective	objective	ADJ
fsr-3238	258	9	and	and	CCONJ
fsr-3238	258	10	subjective	subjective	ADJ
fsr-3238	258	11	assessment	assessment	NOUN
fsr-3238	258	12	of	of	ADP
fsr-3238	258	13	retirement	retirement	NOUN
fsr-3238	258	14	adequacy	adequacy	NOUN
fsr-3238	258	15	.	.	PUNCT
fsr-3238	259	1	in	in	ADP
fsr-3238	259	2	addition	addition	NOUN
fsr-3238	259	3	,	,	PUNCT
fsr-3238	259	4	the	the	DET
fsr-3238	259	5	findings	finding	NOUN
fsr-3238	259	6	in	in	ADP
fsr-3238	259	7	this	this	DET
fsr-3238	259	8	research	research	NOUN
fsr-3238	259	9	are	be	AUX
fsr-3238	259	10	partially	partially	ADV
fsr-3238	259	11	consistent	consistent	ADJ
fsr-3238	259	12	with	with	ADP
fsr-3238	259	13	our	our	PRON
fsr-3238	259	14	two	two	NUM
fsr-3238	259	15	hypotheses	hypothesis	NOUN
fsr-3238	259	16	,	,	PUNCT
fsr-3238	259	17	indicating	indicate	VERB
fsr-3238	259	18	that	that	SCONJ
fsr-3238	259	19	households	household	NOUN
fsr-3238	259	20	with	with	ADP
fsr-3238	259	21	greater	great	ADJ
fsr-3238	259	22	cognitive	cognitive	ADJ
fsr-3238	259	23	ability	ability	NOUN
fsr-3238	259	24	(	(	PUNCT
fsr-3238	259	25	as	as	SCONJ
fsr-3238	259	26	proxied	proxie	VERB
fsr-3238	259	27	by	by	ADP
fsr-3238	259	28	education	education	NOUN
fsr-3238	259	29	)	)	PUNCT
fsr-3238	259	30	and	and	CCONJ
fsr-3238	259	31	more	more	ADV
fsr-3238	259	32	financially	financially	ADV
fsr-3238	259	33	experienced	experience	VERB
fsr-3238	259	34	(	(	PUNCT
fsr-3238	259	35	as	as	SCONJ
fsr-3238	259	36	proxied	proxie	VERB
fsr-3238	259	37	by	by	ADP
fsr-3238	259	38	racial	racial	ADJ
fsr-3238	259	39	/	/	SYM
fsr-3238	259	40	ethnic	ethnic	ADJ
fsr-3238	259	41	group	group	NOUN
fsr-3238	259	42	)	)	PUNCT
fsr-3238	259	43	are	be	AUX
fsr-3238	259	44	more	more	ADV
fsr-3238	259	45	likely	likely	ADJ
fsr-3238	259	46	to	to	PART
fsr-3238	259	47	have	have	VERB
fsr-3238	259	48	accurate	accurate	ADJ
fsr-3238	259	49	assessment	assessment	NOUN
fsr-3238	259	50	of	of	ADP
fsr-3238	259	51	their	their	PRON
fsr-3238	259	52	retirement	retirement	NOUN
fsr-3238	259	53	preparedness	preparedness	NOUN
fsr-3238	259	54	.	.	PUNCT
fsr-3238	260	1	however	however	ADV
fsr-3238	260	2	,	,	PUNCT
fsr-3238	260	3	some	some	PRON
fsr-3238	260	4	of	of	ADP
fsr-3238	260	5	our	our	PRON
fsr-3238	260	6	empirical	empirical	ADJ
fsr-3238	260	7	findings	finding	NOUN
fsr-3238	260	8	appear	appear	VERB
fsr-3238	260	9	puzzling	puzzle	VERB
fsr-3238	260	10	,	,	PUNCT
fsr-3238	260	11	perhaps	perhaps	ADV
fsr-3238	260	12	because	because	SCONJ
fsr-3238	260	13	we	we	PRON
fsr-3238	260	14	can	can	AUX
fsr-3238	260	15	not	not	PART
fsr-3238	260	16	directly	directly	ADV
fsr-3238	260	17	measure	measure	VERB
fsr-3238	260	18	the	the	DET
fsr-3238	260	19	degree	degree	NOUN
fsr-3238	260	20	of	of	ADP
fsr-3238	260	21	cognitive	cognitive	ADJ
fsr-3238	260	22	ability	ability	NOUN
fsr-3238	260	23	and	and	CCONJ
fsr-3238	260	24	financial	financial	ADJ
fsr-3238	260	25	experiences	experience	NOUN
fsr-3238	260	26	from	from	ADP
fsr-3238	260	27	the	the	DET
fsr-3238	260	28	scf	scf	PROPN
fsr-3238	260	29	dataset	dataset	NOUN
fsr-3238	260	30	.	.	PUNCT
fsr-3238	261	1	to	to	PART
fsr-3238	261	2	obtain	obtain	VERB
fsr-3238	261	3	more	more	ADV
fsr-3238	261	4	robust	robust	ADJ
fsr-3238	261	5	152	152	NUM
fsr-3238	261	6	k.t	k.t	PROPN
fsr-3238	261	7	.	.	PUNCT
fsr-3238	262	1	kim	kim	PROPN
fsr-3238	262	2	,	,	PUNCT
fsr-3238	262	3	s.d	s.d	PROPN
fsr-3238	262	4	.	.	PROPN
fsr-3238	262	5	hanna	hanna	PROPN
fsr-3238	262	6	/	/	SYM
fsr-3238	262	7	financial	financial	ADJ
fsr-3238	262	8	services	service	NOUN
fsr-3238	262	9	review	review	VERB
fsr-3238	262	10	24	24	NUM
fsr-3238	262	11	(	(	PUNCT
fsr-3238	262	12	2015	2015	NUM
fsr-3238	262	13	)	)	PUNCT
fsr-3238	263	1	139–155	139–155	NUM
fsr-3238	263	2	results	result	NOUN
fsr-3238	263	3	for	for	ADP
fsr-3238	263	4	retirement	retirement	NOUN
fsr-3238	263	5	perception	perception	NOUN
fsr-3238	263	6	research	research	NOUN
fsr-3238	263	7	,	,	PUNCT
fsr-3238	263	8	a	a	DET
fsr-3238	263	9	different	different	ADJ
fsr-3238	263	10	dataset	dataset	NOUN
fsr-3238	263	11	should	should	AUX
fsr-3238	263	12	be	be	AUX
fsr-3238	263	13	used	use	VERB
fsr-3238	263	14	with	with	ADP
fsr-3238	263	15	direct	direct	ADJ
fsr-3238	263	16	measures	measure	NOUN
fsr-3238	263	17	of	of	ADP
fsr-3238	263	18	cognitive	cognitive	ADJ
fsr-3238	263	19	ability	ability	NOUN
fsr-3238	263	20	and/or	and/or	CCONJ
fsr-3238	263	21	financial	financial	ADJ
fsr-3238	263	22	literacy	literacy	NOUN
fsr-3238	263	23	related	relate	VERB
fsr-3238	263	24	to	to	ADP
fsr-3238	263	25	the	the	DET
fsr-3238	263	26	retirement	retirement	NOUN
fsr-3238	263	27	context	context	NOUN
fsr-3238	263	28	,	,	PUNCT
fsr-3238	263	29	such	such	ADJ
fsr-3238	263	30	as	as	ADP
fsr-3238	263	31	the	the	DET
fsr-3238	263	32	health	health	NOUN
fsr-3238	263	33	and	and	CCONJ
fsr-3238	263	34	retirement	retirement	NOUN
fsr-3238	263	35	study	study	NOUN
fsr-3238	263	36	(	(	PUNCT
fsr-3238	263	37	hrs	hrs	NOUN
fsr-3238	263	38	)	)	PUNCT
fsr-3238	263	39	.	.	PUNCT
fsr-3238	264	1	references	reference	NOUN
fsr-3238	264	2	agarwal	agarwal	PROPN
fsr-3238	264	3	,	,	PUNCT
fsr-3238	264	4	s.	s.	PROPN
fsr-3238	264	5	,	,	PUNCT
fsr-3238	264	6	driscoll	driscoll	PROPN
fsr-3238	264	7	,	,	PUNCT
fsr-3238	264	8	j.	j.	PROPN
fsr-3238	264	9	,	,	PUNCT
fsr-3238	264	10	gabaix	gabaix	NOUN
fsr-3238	264	11	,	,	PUNCT
fsr-3238	264	12	x.	x.	PROPN
fsr-3238	264	13	,	,	PUNCT
fsr-3238	264	14	&	&	CCONJ
fsr-3238	264	15	laibson	laibson	PROPN
fsr-3238	264	16	.	.	PUNCT
fsr-3238	265	1	d.	d.	PROPN
fsr-3238	265	2	(	(	PUNCT
fsr-3238	265	3	2009	2009	NUM
fsr-3238	265	4	)	)	PUNCT
fsr-3238	265	5	.	.	PUNCT
fsr-3238	266	1	the	the	DET
fsr-3238	266	2	age	age	NOUN
fsr-3238	266	3	of	of	ADP
fsr-3238	266	4	reason	reason	NOUN
fsr-3238	266	5	:	:	PUNCT
fsr-3238	266	6	financial	financial	ADJ
fsr-3238	266	7	decisions	decision	NOUN
fsr-3238	266	8	over	over	ADP
fsr-3238	266	9	the	the	DET
fsr-3238	266	10	life	life	NOUN
fsr-3238	266	11	-	-	PUNCT
fsr-3238	266	12	cycle	cycle	NOUN
fsr-3238	266	13	and	and	CCONJ
fsr-3238	266	14	implications	implication	NOUN
fsr-3238	266	15	for	for	ADP
fsr-3238	266	16	regulation	regulation	NOUN
fsr-3238	266	17	.	.	PUNCT
fsr-3238	267	1	brookings	brookings	PROPN
fsr-3238	267	2	papers	paper	NOUN
fsr-3238	267	3	on	on	ADP
fsr-3238	267	4	economic	economic	ADJ
fsr-3238	267	5	activity	activity	NOUN
fsr-3238	267	6	,	,	PUNCT
fsr-3238	267	7	2	2	NUM
fsr-3238	267	8	,	,	PUNCT
fsr-3238	267	9	51–117	51–117	NUM
fsr-3238	267	10	.	.	PUNCT
fsr-3238	267	11	agarwal	agarwal	PROPN
fsr-3238	267	12	,	,	PUNCT
fsr-3238	267	13	s.	s.	PROPN
fsr-3238	267	14	,	,	PUNCT
fsr-3238	267	15	&	&	CCONJ
fsr-3238	267	16	mazumder	mazumder	PROPN
fsr-3238	267	17	,	,	PUNCT
fsr-3238	267	18	b.	b.	PROPN
fsr-3238	267	19	(	(	PUNCT
fsr-3238	267	20	2013	2013	NUM
fsr-3238	267	21	)	)	PUNCT
fsr-3238	267	22	.	.	PUNCT
fsr-3238	268	1	cognitive	cognitive	ADJ
fsr-3238	268	2	abilities	ability	NOUN
fsr-3238	268	3	and	and	CCONJ
fsr-3238	268	4	household	household	NOUN
fsr-3238	268	5	financial	financial	ADJ
fsr-3238	268	6	decision	decision	NOUN
fsr-3238	268	7	-	-	PUNCT
fsr-3238	268	8	making	making	NOUN
fsr-3238	268	9	,	,	PUNCT
fsr-3238	268	10	american	american	ADJ
fsr-3238	268	11	economic	economic	ADJ
fsr-3238	268	12	journal	journal	PROPN
fsr-3238	268	13	:	:	PUNCT
fsr-3238	268	14	applied	apply	VERB
fsr-3238	268	15	economics	economic	NOUN
fsr-3238	268	16	,	,	PUNCT
fsr-3238	268	17	5	5	NUM
fsr-3238	268	18	,	,	PUNCT
fsr-3238	268	19	193–207	193–207	NUM
fsr-3238	268	20	.	.	PUNCT
fsr-3238	268	21	ando	ando	PROPN
fsr-3238	268	22	,	,	PUNCT
fsr-3238	268	23	a.	a.	PROPN
fsr-3238	268	24	,	,	PUNCT
fsr-3238	268	25	&	&	CCONJ
fsr-3238	268	26	modigliani	modigliani	PROPN
fsr-3238	268	27	,	,	PUNCT
fsr-3238	268	28	f.	f.	PROPN
fsr-3238	268	29	(	(	PUNCT
fsr-3238	268	30	1963	1963	NUM
fsr-3238	268	31	)	)	PUNCT
fsr-3238	268	32	.	.	PUNCT
fsr-3238	269	1	the	the	DET
fsr-3238	269	2	life	life	NOUN
fsr-3238	269	3	cycle	cycle	NOUN
fsr-3238	269	4	hypothesis	hypothesis	NOUN
fsr-3238	269	5	of	of	ADP
fsr-3238	269	6	saving	saving	NOUN
fsr-3238	269	7	:	:	PUNCT
fsr-3238	269	8	aggregate	aggregate	VERB
fsr-3238	269	9	implications	implication	NOUN
fsr-3238	269	10	and	and	CCONJ
fsr-3238	269	11	tests	test	NOUN
fsr-3238	269	12	,	,	PUNCT
fsr-3238	269	13	american	american	PROPN
fsr-3238	269	14	economic	economic	PROPN
fsr-3238	269	15	review	review	PROPN
fsr-3238	269	16	,	,	PUNCT
fsr-3238	269	17	53	53	NUM
fsr-3238	269	18	,	,	PUNCT
fsr-3238	269	19	55–84	55–84	NOUN
fsr-3238	269	20	.	.	PUNCT
fsr-3238	270	1	angeletos	angeleto	NOUN
fsr-3238	270	2	,	,	PUNCT
fsr-3238	270	3	g.	g.	PROPN
fsr-3238	270	4	,	,	PUNCT
fsr-3238	270	5	laibson	laibson	PROPN
fsr-3238	270	6	,	,	PUNCT
fsr-3238	270	7	d.	d.	PROPN
fsr-3238	270	8	,	,	PUNCT
fsr-3238	270	9	repetto	repetto	PROPN
fsr-3238	270	10	,	,	PUNCT
fsr-3238	270	11	a.	a.	NOUN
fsr-3238	270	12	,	,	PUNCT
fsr-3238	270	13	tobacman	tobacman	NOUN
fsr-3238	270	14	,	,	PUNCT
fsr-3238	270	15	j.	j.	PROPN
fsr-3238	270	16	,	,	PUNCT
fsr-3238	270	17	&	&	CCONJ
fsr-3238	270	18	weinberg	weinberg	PROPN
fsr-3238	270	19	,	,	PUNCT
fsr-3238	270	20	s.	s.	PROPN
fsr-3238	270	21	(	(	PUNCT
fsr-3238	270	22	2001	2001	NUM
fsr-3238	270	23	)	)	PUNCT
fsr-3238	270	24	.	.	PUNCT
fsr-3238	271	1	the	the	DET
fsr-3238	271	2	hyperbolic	hyperbolic	ADJ
fsr-3238	271	3	consumption	consumption	NOUN
fsr-3238	271	4	model	model	NOUN
fsr-3238	271	5	:	:	PUNCT
fsr-3238	271	6	calibration	calibration	NOUN
fsr-3238	271	7	,	,	PUNCT
fsr-3238	271	8	simulation	simulation	NOUN
fsr-3238	271	9	,	,	PUNCT
fsr-3238	271	10	and	and	CCONJ
fsr-3238	271	11	empirical	empirical	ADJ
fsr-3238	271	12	evaluation	evaluation	NOUN
fsr-3238	271	13	,	,	PUNCT
fsr-3238	271	14	the	the	DET
fsr-3238	271	15	journal	journal	NOUN
fsr-3238	271	16	of	of	ADP
fsr-3238	271	17	economic	economic	ADJ
fsr-3238	271	18	perspectives	perspective	NOUN
fsr-3238	271	19	,	,	PUNCT
fsr-3238	271	20	15	15	NUM
fsr-3238	271	21	,	,	PUNCT
fsr-3238	271	22	47–68	47–68	NUM
fsr-3238	271	23	.	.	PUNCT
fsr-3238	271	24	bricker	bricker	NOUN
fsr-3238	271	25	,	,	PUNCT
fsr-3238	271	26	j.	j.	PROPN
fsr-3238	271	27	,	,	PUNCT
fsr-3238	271	28	kennickell	kennickell	PROPN
fsr-3238	271	29	,	,	PUNCT
fsr-3238	271	30	a.	a.	PROPN
fsr-3238	271	31	b.	b.	PROPN
fsr-3238	271	32	,	,	PUNCT
fsr-3238	271	33	moore	moore	PROPN
fsr-3238	271	34	,	,	PUNCT
fsr-3238	271	35	k.	k.	PROPN
fsr-3238	271	36	b.	b.	PROPN
fsr-3238	271	37	,	,	PUNCT
fsr-3238	271	38	&	&	CCONJ
fsr-3238	271	39	sabelhaus	sabelhaus	PROPN
fsr-3238	271	40	,	,	PUNCT
fsr-3238	271	41	j.	j.	PROPN
fsr-3238	271	42	(	(	PUNCT
fsr-3238	271	43	2012	2012	NUM
fsr-3238	271	44	)	)	PUNCT
fsr-3238	271	45	.	.	PUNCT
fsr-3238	272	1	changes	change	NOUN
fsr-3238	272	2	in	in	ADP
fsr-3238	272	3	u.s	u.s	PROPN
fsr-3238	272	4	.	.	PROPN
fsr-3238	272	5	family	family	NOUN
fsr-3238	272	6	finances	finance	NOUN
fsr-3238	272	7	from	from	ADP
fsr-3238	272	8	2007	2007	NUM
fsr-3238	272	9	to	to	ADP
fsr-3238	272	10	2010	2010	NUM
fsr-3238	272	11	:	:	PUNCT
fsr-3238	272	12	evidence	evidence	NOUN
fsr-3238	272	13	from	from	ADP
fsr-3238	272	14	the	the	DET
fsr-3238	272	15	survey	survey	NOUN
fsr-3238	272	16	of	of	ADP
fsr-3238	272	17	consumer	consumer	NOUN
fsr-3238	272	18	finances	finance	NOUN
fsr-3238	272	19	.	.	PUNCT
fsr-3238	273	1	federal	federal	PROPN
fsr-3238	273	2	reserve	reserve	PROPN
fsr-3238	273	3	bulletin	bulletin	PROPN
fsr-3238	273	4	,	,	PUNCT
fsr-3238	273	5	98	98	NUM
fsr-3238	273	6	,	,	PUNCT
fsr-3238	273	7	1–80	1–80	PROPN
fsr-3238	273	8	.	.	PUNCT
fsr-3238	273	9	bricker	bricker	NOUN
fsr-3238	273	10	,	,	PUNCT
fsr-3238	273	11	j.	j.	PROPN
fsr-3238	273	12	,	,	PUNCT
fsr-3238	273	13	bucks	buck	NOUN
fsr-3238	273	14	,	,	PUNCT
fsr-3238	273	15	b.	b.	PROPN
fsr-3238	273	16	,	,	PUNCT
fsr-3238	273	17	kennickell	kennickell	PROPN
fsr-3238	273	18	,	,	PUNCT
fsr-3238	273	19	a.	a.	NOUN
fsr-3238	273	20	,	,	PUNCT
fsr-3238	273	21	mach	mach	NOUN
fsr-3238	273	22	,	,	PUNCT
fsr-3238	273	23	t.	t.	PROPN
fsr-3238	273	24	,	,	PUNCT
fsr-3238	273	25	&	&	CCONJ
fsr-3238	273	26	moore	moore	PROPN
fsr-3238	273	27	,	,	PUNCT
fsr-3238	273	28	k.	k.	PROPN
fsr-3238	273	29	(	(	PUNCT
fsr-3238	273	30	2011	2011	NUM
fsr-3238	273	31	)	)	PUNCT
fsr-3238	273	32	.	.	PUNCT
fsr-3238	274	1	surveying	survey	VERB
fsr-3238	274	2	the	the	DET
fsr-3238	274	3	aftermath	aftermath	NOUN
fsr-3238	274	4	of	of	ADP
fsr-3238	274	5	the	the	DET
fsr-3238	274	6	storm	storm	NOUN
fsr-3238	274	7	:	:	PUNCT
fsr-3238	274	8	changes	change	NOUN
fsr-3238	274	9	in	in	ADP
fsr-3238	274	10	family	family	NOUN
fsr-3238	274	11	finances	finance	NOUN
fsr-3238	274	12	from	from	ADP
fsr-3238	274	13	2007	2007	NUM
fsr-3238	274	14	to	to	ADP
fsr-3238	274	15	2009	2009	NUM
fsr-3238	274	16	.	.	PUNCT
fsr-3238	275	1	feds	feds	PROPN
fsr-3238	275	2	working	working	PROPN
fsr-3238	275	3	paper	paper	NOUN
fsr-3238	275	4	,	,	PUNCT
fsr-3238	275	5	17	17	NUM
fsr-3238	275	6	.	.	PUNCT
fsr-3238	275	7	brown	brown	PROPN
fsr-3238	275	8	,	,	PUNCT
fsr-3238	275	9	j.	j.	PROPN
fsr-3238	275	10	,	,	PUNCT
fsr-3238	275	11	fang	fang	PROPN
fsr-3238	275	12	,	,	PUNCT
fsr-3238	275	13	c.	c.	PROPN
fsr-3238	275	14	,	,	PUNCT
fsr-3238	275	15	&	&	CCONJ
fsr-3238	275	16	gomes	gomes	PROPN
fsr-3238	275	17	,	,	PUNCT
fsr-3238	275	18	f.	f.	PROPN
fsr-3238	275	19	(	(	PUNCT
fsr-3238	275	20	2012	2012	NUM
fsr-3238	275	21	)	)	PUNCT
fsr-3238	275	22	.	.	PUNCT
fsr-3238	276	1	risk	risk	NOUN
fsr-3238	276	2	and	and	CCONJ
fsr-3238	276	3	returns	return	NOUN
fsr-3238	276	4	to	to	ADP
fsr-3238	276	5	education	education	NOUN
fsr-3238	276	6	.	.	PUNCT
fsr-3238	277	1	social	social	ADJ
fsr-3238	277	2	science	science	PROPN
fsr-3238	277	3	research	research	NOUN
fsr-3238	277	4	network	network	NOUN
fsr-3238	277	5	working	working	PROPN
fsr-3238	277	6	papers	paper	NOUN
fsr-3238	277	7	series	series	NOUN
fsr-3238	277	8	(	(	PUNCT
fsr-3238	277	9	available	available	ADJ
fsr-3238	277	10	at	at	ADP
fsr-3238	277	11	ssrn	ssrn	NOUN
fsr-3238	277	12	:	:	PUNCT
fsr-3238	277	13	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�2021598	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�2021598	PROPN
fsr-3238	277	14	)	)	PUNCT
fsr-3238	277	15	.	.	PUNCT
fsr-3238	278	1	browning	browning	NOUN
fsr-3238	278	2	,	,	PUNCT
fsr-3238	278	3	m.	m.	NOUN
fsr-3238	278	4	,	,	PUNCT
fsr-3238	278	5	&	&	CCONJ
fsr-3238	278	6	crossley	crossley	PROPN
fsr-3238	278	7	,	,	PUNCT
fsr-3238	278	8	t.	t.	PROPN
fsr-3238	278	9	f.	f.	PROPN
fsr-3238	278	10	(	(	PUNCT
fsr-3238	278	11	2001	2001	NUM
fsr-3238	278	12	)	)	PUNCT
fsr-3238	278	13	.	.	PUNCT
fsr-3238	279	1	the	the	DET
fsr-3238	279	2	life	life	NOUN
fsr-3238	279	3	-	-	PUNCT
fsr-3238	279	4	cycle	cycle	NOUN
fsr-3238	279	5	model	model	NOUN
fsr-3238	279	6	of	of	ADP
fsr-3238	279	7	consumption	consumption	NOUN
fsr-3238	279	8	and	and	CCONJ
fsr-3238	279	9	saving	saving	NOUN
fsr-3238	279	10	.	.	PUNCT
fsr-3238	280	1	journal	journal	PROPN
fsr-3238	280	2	of	of	ADP
fsr-3238	280	3	economic	economic	ADJ
fsr-3238	280	4	perspectives	perspective	NOUN
fsr-3238	280	5	,	,	PUNCT
fsr-3238	280	6	15	15	NUM
fsr-3238	280	7	,	,	PUNCT
fsr-3238	280	8	3–22	3–22	PROPN
fsr-3238	280	9	.	.	PUNCT
fsr-3238	281	1	campbell	campbell	PROPN
fsr-3238	281	2	,	,	PUNCT
fsr-3238	281	3	j.	j.	PROPN
fsr-3238	281	4	y.(2006	y.(2006	PROPN
fsr-3238	281	5	)	)	PUNCT
fsr-3238	281	6	.	.	PUNCT
fsr-3238	282	1	household	household	NOUN
fsr-3238	282	2	finance	finance	NOUN
fsr-3238	282	3	.	.	PUNCT
fsr-3238	283	1	journal	journal	PROPN
fsr-3238	283	2	of	of	ADP
fsr-3238	283	3	finance	finance	NOUN
fsr-3238	283	4	,	,	PUNCT
fsr-3238	283	5	61	61	NUM
fsr-3238	283	6	,	,	PUNCT
fsr-3238	283	7	1553–1604	1553–1604	NUM
fsr-3238	283	8	.	.	PUNCT
fsr-3238	284	1	carroll	carroll	PROPN
fsr-3238	284	2	,	,	PUNCT
fsr-3238	284	3	c.	c.	PROPN
fsr-3238	284	4	d.	d.	PROPN
fsr-3238	284	5	(	(	PUNCT
fsr-3238	284	6	1997	1997	NUM
fsr-3238	284	7	)	)	PUNCT
fsr-3238	284	8	.	.	PUNCT
fsr-3238	285	1	buffer	buffer	NOUN
fsr-3238	285	2	-	-	PUNCT
fsr-3238	285	3	stock	stock	NOUN
fsr-3238	285	4	savings	saving	NOUN
fsr-3238	285	5	and	and	CCONJ
fsr-3238	285	6	the	the	DET
fsr-3238	285	7	life	life	NOUN
fsr-3238	285	8	cycle	cycle	NOUN
fsr-3238	285	9	/	/	SYM
fsr-3238	285	10	permanent	permanent	ADJ
fsr-3238	285	11	income	income	NOUN
fsr-3238	285	12	hypothesis	hypothesis	NOUN
fsr-3238	285	13	.	.	PUNCT
fsr-3238	286	1	quarterly	quarterly	ADJ
fsr-3238	286	2	journal	journal	NOUN
fsr-3238	286	3	of	of	ADP
fsr-3238	286	4	economics	economic	NOUN
fsr-3238	286	5	,	,	PUNCT
fsr-3238	286	6	112	112	NUM
fsr-3238	286	7	,	,	PUNCT
fsr-3238	286	8	1–55	1–55	PROPN
fsr-3238	286	9	.	.	PUNCT
fsr-3238	287	1	chan	chan	PROPN
fsr-3238	287	2	,	,	PUNCT
fsr-3238	287	3	s.	s.	PROPN
fsr-3238	287	4	,	,	PUNCT
fsr-3238	287	5	&	&	CCONJ
fsr-3238	287	6	stevens	stevens	PROPN
fsr-3238	287	7	,	,	PUNCT
fsr-3238	287	8	a.	a.	NOUN
fsr-3238	287	9	(	(	PUNCT
fsr-3238	287	10	2008	2008	NUM
fsr-3238	287	11	)	)	PUNCT
fsr-3238	287	12	.	.	PUNCT
fsr-3238	288	1	what	what	PRON
fsr-3238	288	2	you	you	PRON
fsr-3238	288	3	do	do	AUX
fsr-3238	288	4	n’t	not	PART
fsr-3238	288	5	know	know	VERB
fsr-3238	288	6	can	can	AUX
fsr-3238	288	7	not	not	PART
fsr-3238	288	8	help	help	VERB
fsr-3238	288	9	you	you	PRON
fsr-3238	288	10	:	:	PUNCT
fsr-3238	288	11	pension	pension	NOUN
fsr-3238	288	12	knowledge	knowledge	NOUN
fsr-3238	288	13	and	and	CCONJ
fsr-3238	288	14	retirement	retirement	NOUN
fsr-3238	288	15	decision	decision	NOUN
fsr-3238	288	16	-	-	PUNCT
fsr-3238	288	17	making	making	NOUN
fsr-3238	288	18	.	.	PUNCT
fsr-3238	289	1	review	review	NOUN
fsr-3238	289	2	of	of	ADP
fsr-3238	289	3	economics	economic	NOUN
fsr-3238	289	4	and	and	CCONJ
fsr-3238	289	5	statistics	statistic	NOUN
fsr-3238	289	6	,	,	PUNCT
fsr-3238	289	7	90	90	NUM
fsr-3238	289	8	,	,	PUNCT
fsr-3238	289	9	253–266	253–266	NUM
fsr-3238	289	10	.	.	PUNCT
fsr-3238	290	1	chen	chen	PROPN
fsr-3238	290	2	,	,	PUNCT
fsr-3238	290	3	c.	c.	PROPN
fsr-3238	290	4	c.	c.	PROPN
fsr-3238	290	5	(	(	PUNCT
fsr-3238	290	6	2007	2007	NUM
fsr-3238	290	7	)	)	PUNCT
fsr-3238	290	8	.	.	PUNCT
fsr-3238	291	1	changes	change	NOUN
fsr-3238	291	2	in	in	ADP
fsr-3238	291	3	retirement	retirement	NOUN
fsr-3238	291	4	adequacy	adequacy	NOUN
fsr-3238	291	5	,	,	PUNCT
fsr-3238	291	6	1995–2004	1995–2004	NUM
fsr-3238	291	7	:	:	PUNCT
fsr-3238	291	8	accounting	account	VERB
fsr-3238	291	9	for	for	ADP
fsr-3238	291	10	retirement	retirement	NOUN
fsr-3238	291	11	stages	stage	NOUN
fsr-3238	291	12	.	.	PUNCT
fsr-3238	292	1	dissertation	dissertation	NOUN
fsr-3238	292	2	,	,	PUNCT
fsr-3238	292	3	the	the	DET
fsr-3238	292	4	ohio	ohio	PROPN
fsr-3238	292	5	state	state	PROPN
fsr-3238	292	6	university	university	PROPN
fsr-3238	292	7	.	.	PUNCT
fsr-3238	293	1	choi	choi	PROPN
fsr-3238	293	2	,	,	PUNCT
fsr-3238	293	3	j.	j.	PROPN
fsr-3238	293	4	,	,	PUNCT
fsr-3238	293	5	laibson	laibson	PROPN
fsr-3238	293	6	,	,	PUNCT
fsr-3238	293	7	d.	d.	PROPN
fsr-3238	293	8	,	,	PUNCT
fsr-3238	293	9	&	&	CCONJ
fsr-3238	293	10	madrian	madrian	PROPN
fsr-3238	293	11	,	,	PUNCT
fsr-3238	293	12	b.	b.	PROPN
fsr-3238	293	13	(	(	PUNCT
fsr-3238	293	14	2004	2004	NUM
fsr-3238	293	15	)	)	PUNCT
fsr-3238	293	16	.	.	PUNCT
fsr-3238	294	1	plan	plan	NOUN
fsr-3238	294	2	design	design	NOUN
fsr-3238	294	3	and	and	CCONJ
fsr-3238	294	4	401(k	401(k	NOUN
fsr-3238	294	5	)	)	PUNCT
fsr-3238	294	6	savings	saving	NOUN
fsr-3238	294	7	outcomes	outcome	NOUN
fsr-3238	294	8	.	.	PUNCT
fsr-3238	295	1	national	national	ADJ
fsr-3238	295	2	tax	tax	PROPN
fsr-3238	295	3	journal	journal	PROPN
fsr-3238	295	4	,	,	PUNCT
fsr-3238	295	5	57	57	NUM
fsr-3238	295	6	,	,	PUNCT
fsr-3238	295	7	275–298	275–298	NUM
fsr-3238	295	8	.	.	PUNCT
fsr-3238	296	1	christelis	christelis	PROPN
fsr-3238	296	2	,	,	PUNCT
fsr-3238	296	3	d.	d.	PROPN
fsr-3238	296	4	,	,	PUNCT
fsr-3238	296	5	jappelli	jappelli	PROPN
fsr-3238	296	6	,	,	PUNCT
fsr-3238	296	7	t.	t.	PROPN
fsr-3238	296	8	,	,	PUNCT
fsr-3238	296	9	&	&	CCONJ
fsr-3238	296	10	padula	padula	NOUN
fsr-3238	296	11	,	,	PUNCT
fsr-3238	296	12	m.	m.	NOUN
fsr-3238	296	13	(	(	PUNCT
fsr-3238	296	14	2010	2010	NUM
fsr-3238	296	15	)	)	PUNCT
fsr-3238	296	16	.	.	PUNCT
fsr-3238	297	1	cognitive	cognitive	ADJ
fsr-3238	297	2	abilities	ability	NOUN
fsr-3238	297	3	and	and	CCONJ
fsr-3238	297	4	portfolio	portfolio	NOUN
fsr-3238	297	5	choice	choice	NOUN
fsr-3238	297	6	.	.	PUNCT
fsr-3238	298	1	european	european	ADJ
fsr-3238	298	2	economic	economic	PROPN
fsr-3238	298	3	review	review	PROPN
fsr-3238	298	4	,	,	PUNCT
fsr-3238	298	5	54	54	NUM
fsr-3238	298	6	,	,	PUNCT
fsr-3238	298	7	18–38	18–38	NUM
fsr-3238	298	8	.	.	PUNCT
fsr-3238	298	9	collins	collins	PROPN
fsr-3238	298	10	,	,	PUNCT
fsr-3238	298	11	j.	j.	PROPN
fsr-3238	298	12	m.	m.	PROPN
fsr-3238	298	13	(	(	PUNCT
fsr-3238	298	14	2012	2012	NUM
fsr-3238	298	15	)	)	PUNCT
fsr-3238	298	16	.	.	PUNCT
fsr-3238	299	1	financial	financial	ADJ
fsr-3238	299	2	advice	advice	NOUN
fsr-3238	299	3	:	:	PUNCT
fsr-3238	299	4	a	a	DET
fsr-3238	299	5	substitute	substitute	NOUN
fsr-3238	299	6	for	for	ADP
fsr-3238	299	7	financial	financial	ADJ
fsr-3238	299	8	literacy	literacy	NOUN
fsr-3238	299	9	?	?	PUNCT
fsr-3238	300	1	financial	financial	ADJ
fsr-3238	300	2	services	service	NOUN
fsr-3238	300	3	review	review	PROPN
fsr-3238	300	4	,	,	PUNCT
fsr-3238	300	5	21	21	NUM
fsr-3238	300	6	,	,	PUNCT
fsr-3238	300	7	307–322	307–322	NUM
fsr-3238	300	8	.	.	PUNCT
fsr-3238	301	1	cordell	cordell	PROPN
fsr-3238	301	2	,	,	PUNCT
fsr-3238	301	3	d.	d.	PROPN
fsr-3238	301	4	m.	m.	PROPN
fsr-3238	301	5	,	,	PUNCT
fsr-3238	301	6	smith	smith	PROPN
fsr-3238	301	7	,	,	PUNCT
fsr-3238	301	8	r.	r.	PROPN
fsr-3238	301	9	,	,	PUNCT
fsr-3238	301	10	&	&	CCONJ
fsr-3238	301	11	terry	terry	PROPN
fsr-3238	301	12	,	,	PUNCT
fsr-3238	301	13	a.(2011	a.(2011	PROPN
fsr-3238	301	14	)	)	PUNCT
fsr-3238	301	15	.	.	PUNCT
fsr-3238	302	1	overconfidence	overconfidence	NOUN
fsr-3238	302	2	in	in	ADP
fsr-3238	302	3	financial	financial	ADJ
fsr-3238	302	4	planners	planner	NOUN
fsr-3238	302	5	.	.	PUNCT
fsr-3238	303	1	financial	financial	ADJ
fsr-3238	303	2	services	service	NOUN
fsr-3238	303	3	review	review	PROPN
fsr-3238	303	4	,	,	PUNCT
fsr-3238	303	5	20	20	NUM
fsr-3238	303	6	,	,	PUNCT
fsr-3238	303	7	253–263	253–263	NUM
fsr-3238	303	8	.	.	PUNCT
fsr-3238	304	1	cummings	cummings	PROPN
fsr-3238	304	2	,	,	PUNCT
fsr-3238	304	3	b.	b.	PROPN
fsr-3238	304	4	f.	f.	PROPN
fsr-3238	304	5	,	,	PUNCT
fsr-3238	304	6	finke	finke	PROPN
fsr-3238	304	7	,	,	PUNCT
fsr-3238	304	8	m.	m.	NOUN
fsr-3238	304	9	s.	s.	PROPN
fsr-3238	304	10	,	,	PUNCT
fsr-3238	304	11	&	&	CCONJ
fsr-3238	304	12	james	james	PROPN
fsr-3238	304	13	,	,	PUNCT
fsr-3238	304	14	r.	r.	PROPN
fsr-3238	304	15	n.	n.	PROPN
fsr-3238	304	16	(	(	PUNCT
fsr-3238	304	17	2011	2011	NUM
fsr-3238	304	18	)	)	PUNCT
fsr-3238	304	19	.	.	PUNCT
fsr-3238	305	1	the	the	DET
fsr-3238	305	2	impact	impact	NOUN
fsr-3238	305	3	of	of	ADP
fsr-3238	305	4	cognitive	cognitive	ADJ
fsr-3238	305	5	ability	ability	NOUN
fsr-3238	305	6	on	on	ADP
fsr-3238	305	7	roth	roth	PROPN
fsr-3238	305	8	ira	ira	PROPN
fsr-3238	305	9	ownership	ownership	PROPN
fsr-3238	305	10	.	.	PUNCT
fsr-3238	306	1	social	social	ADJ
fsr-3238	306	2	science	science	PROPN
fsr-3238	306	3	research	research	NOUN
fsr-3238	306	4	network	network	NOUN
fsr-3238	306	5	working	working	PROPN
fsr-3238	306	6	papers	paper	NOUN
fsr-3238	306	7	series	series	NOUN
fsr-3238	306	8	(	(	PUNCT
fsr-3238	306	9	available	available	ADJ
fsr-3238	306	10	at	at	ADP
fsr-3238	306	11	ssrn	ssrn	NOUN
fsr-3238	306	12	:	:	PUNCT
fsr-3238	306	13	http://ssrn.com/abstract	http://ssrn.com/abstract	PROPN
fsr-3238	306	14	�	�	PROPN
fsr-3238	306	15	1968984	1968984	NUM
fsr-3238	306	16	)	)	PUNCT
fsr-3238	306	17	.	.	PUNCT
fsr-3238	307	1	dohmen	dohman	NOUN
fsr-3238	307	2	,	,	PUNCT
fsr-3238	307	3	t.	t.	PROPN
fsr-3238	307	4	,	,	PUNCT
fsr-3238	307	5	falk	falk	NOUN
fsr-3238	307	6	,	,	PUNCT
fsr-3238	307	7	a.	a.	PROPN
fsr-3238	307	8	,	,	PUNCT
fsr-3238	307	9	huffman	huffman	PROPN
fsr-3238	307	10	,	,	PUNCT
fsr-3238	307	11	d.	d.	PROPN
fsr-3238	307	12	,	,	PUNCT
fsr-3238	307	13	&	&	CCONJ
fsr-3238	307	14	sunde	sunde	PROPN
fsr-3238	307	15	,	,	PUNCT
fsr-3238	307	16	u.	u.	PROPN
fsr-3238	307	17	(	(	PUNCT
fsr-3238	307	18	2010	2010	NUM
fsr-3238	307	19	)	)	PUNCT
fsr-3238	307	20	.	.	PUNCT
fsr-3238	307	21	are	be	AUX
fsr-3238	307	22	risk	risk	NOUN
fsr-3238	307	23	aversion	aversion	NOUN
fsr-3238	307	24	and	and	CCONJ
fsr-3238	307	25	impatience	impatience	NOUN
fsr-3238	307	26	related	relate	VERB
fsr-3238	307	27	to	to	ADP
fsr-3238	307	28	cognitive	cognitive	ADJ
fsr-3238	307	29	ability	ability	NOUN
fsr-3238	307	30	?	?	PUNCT
fsr-3238	308	1	american	american	PROPN
fsr-3238	308	2	economic	economic	PROPN
fsr-3238	308	3	review	review	PROPN
fsr-3238	308	4	,	,	PUNCT
fsr-3238	308	5	100	100	NUM
fsr-3238	308	6	,	,	PUNCT
fsr-3238	308	7	1238–1260	1238–1260	NUM
fsr-3238	308	8	.	.	PUNCT
fsr-3238	309	1	festinger	festinger	NOUN
fsr-3238	309	2	,	,	PUNCT
fsr-3238	309	3	l.	l.	PROPN
fsr-3238	309	4	(	(	PUNCT
fsr-3238	309	5	1957	1957	NUM
fsr-3238	309	6	)	)	PUNCT
fsr-3238	309	7	.	.	PUNCT
fsr-3238	310	1	a	a	DET
fsr-3238	310	2	theory	theory	NOUN
fsr-3238	310	3	of	of	ADP
fsr-3238	310	4	cognitive	cognitive	ADJ
fsr-3238	310	5	dissonance	dissonance	NOUN
fsr-3238	310	6	.	.	PUNCT
fsr-3238	311	1	stanford	stanford	PROPN
fsr-3238	311	2	,	,	PUNCT
fsr-3238	311	3	ca	ca	PROPN
fsr-3238	311	4	:	:	PUNCT
fsr-3238	311	5	stanford	stanford	PROPN
fsr-3238	311	6	university	university	PROPN
fsr-3238	311	7	press	press	NOUN
fsr-3238	311	8	.	.	PUNCT
fsr-3238	312	1	fornero	fornero	PROPN
fsr-3238	312	2	,	,	PUNCT
fsr-3238	312	3	e.	e.	PROPN
fsr-3238	312	4	,	,	PUNCT
fsr-3238	312	5	&	&	CCONJ
fsr-3238	312	6	monticone	monticone	PROPN
fsr-3238	312	7	,	,	PUNCT
fsr-3238	312	8	c.	c.	PROPN
fsr-3238	312	9	(	(	PUNCT
fsr-3238	312	10	2011	2011	NUM
fsr-3238	312	11	)	)	PUNCT
fsr-3238	312	12	.	.	PUNCT
fsr-3238	313	1	financial	financial	ADJ
fsr-3238	313	2	literacy	literacy	NOUN
fsr-3238	313	3	and	and	CCONJ
fsr-3238	313	4	pension	pension	NOUN
fsr-3238	313	5	plan	plan	NOUN
fsr-3238	313	6	participation	participation	NOUN
fsr-3238	313	7	in	in	ADP
fsr-3238	313	8	italy	italy	PROPN
fsr-3238	313	9	.	.	PUNCT
fsr-3238	314	1	cerp	cerp	PROPN
fsr-3238	314	2	working	working	NOUN
fsr-3238	314	3	papers	paper	NOUN
fsr-3238	314	4	,	,	PUNCT
fsr-3238	314	5	center	center	NOUN
fsr-3238	314	6	for	for	ADP
fsr-3238	314	7	research	research	NOUN
fsr-3238	314	8	on	on	ADP
fsr-3238	314	9	pensions	pension	NOUN
fsr-3238	314	10	and	and	CCONJ
fsr-3238	314	11	welfare	welfare	NOUN
fsr-3238	314	12	policies	policy	NOUN
fsr-3238	314	13	,	,	PUNCT
fsr-3238	314	14	turin	turin	PROPN
fsr-3238	314	15	,	,	PUNCT
fsr-3238	314	16	italy	italy	PROPN
fsr-3238	314	17	.	.	PUNCT
fsr-3238	315	1	frederick	frederick	PROPN
fsr-3238	315	2	,	,	PUNCT
fsr-3238	315	3	s.	s.	PROPN
fsr-3238	315	4	(	(	PUNCT
fsr-3238	315	5	2005	2005	NUM
fsr-3238	315	6	)	)	PUNCT
fsr-3238	315	7	.	.	PUNCT
fsr-3238	316	1	cognitive	cognitive	ADJ
fsr-3238	316	2	reflection	reflection	NOUN
fsr-3238	316	3	and	and	CCONJ
fsr-3238	316	4	decision	decision	NOUN
fsr-3238	316	5	making	making	NOUN
fsr-3238	316	6	.	.	PUNCT
fsr-3238	317	1	journal	journal	NOUN
fsr-3238	317	2	of	of	ADP
fsr-3238	317	3	economic	economic	ADJ
fsr-3238	317	4	perspectives	perspective	NOUN
fsr-3238	317	5	,	,	PUNCT
fsr-3238	317	6	19	19	NUM
fsr-3238	317	7	,	,	PUNCT
fsr-3238	317	8	25–42	25–42	NUM
fsr-3238	317	9	.	.	PUNCT
fsr-3238	318	1	glamser	glamser	PROPN
fsr-3238	318	2	,	,	PUNCT
fsr-3238	318	3	f.	f.	PROPN
fsr-3238	318	4	(	(	PUNCT
fsr-3238	318	5	1976	1976	NUM
fsr-3238	318	6	)	)	PUNCT
fsr-3238	318	7	.	.	PUNCT
fsr-3238	319	1	determinants	determinant	NOUN
fsr-3238	319	2	of	of	ADP
fsr-3238	319	3	a	a	DET
fsr-3238	319	4	positive	positive	ADJ
fsr-3238	319	5	attitude	attitude	NOUN
fsr-3238	319	6	toward	toward	ADP
fsr-3238	319	7	retirement	retirement	NOUN
fsr-3238	319	8	.	.	PUNCT
fsr-3238	320	1	journal	journal	PROPN
fsr-3238	320	2	of	of	ADP
fsr-3238	320	3	gerontology	gerontology	NOUN
fsr-3238	320	4	,	,	PUNCT
fsr-3238	320	5	31	31	NUM
fsr-3238	320	6	,	,	PUNCT
fsr-3238	320	7	104–107	104–107	NUM
fsr-3238	320	8	.	.	PUNCT
fsr-3238	321	1	grinblatt	grinblatt	PROPN
fsr-3238	321	2	,	,	PUNCT
fsr-3238	321	3	m.	m.	NOUN
fsr-3238	321	4	,	,	PUNCT
fsr-3238	321	5	keloharju	keloharju	NOUN
fsr-3238	321	6	,	,	PUNCT
fsr-3238	321	7	m.	m.	NOUN
fsr-3238	321	8	,	,	PUNCT
fsr-3238	321	9	&	&	CCONJ
fsr-3238	321	10	linnainmaa	linnainmaa	PROPN
fsr-3238	321	11	,	,	PUNCT
fsr-3238	321	12	j.	j.	PROPN
fsr-3238	321	13	(	(	PUNCT
fsr-3238	321	14	2011	2011	NUM
fsr-3238	321	15	)	)	PUNCT
fsr-3238	321	16	.	.	PUNCT
fsr-3238	322	1	iq	iq	NOUN
fsr-3238	322	2	and	and	CCONJ
fsr-3238	322	3	stock	stock	NOUN
fsr-3238	322	4	market	market	NOUN
fsr-3238	322	5	participation	participation	NOUN
fsr-3238	322	6	.	.	PUNCT
fsr-3238	323	1	journal	journal	NOUN
fsr-3238	323	2	of	of	ADP
fsr-3238	323	3	finance	finance	NOUN
fsr-3238	323	4	,	,	PUNCT
fsr-3238	323	5	66	66	NUM
fsr-3238	323	6	,	,	PUNCT
fsr-3238	323	7	2119–2164	2119–2164	NUM
fsr-3238	323	8	.	.	PUNCT
fsr-3238	324	1	153k.t	153k.t	NUM
fsr-3238	324	2	.	.	PUNCT
fsr-3238	325	1	kim	kim	PROPN
fsr-3238	325	2	,	,	PUNCT
fsr-3238	325	3	s.d	s.d	PROPN
fsr-3238	325	4	.	.	PROPN
fsr-3238	325	5	hanna	hanna	PROPN
fsr-3238	325	6	/	/	SYM
fsr-3238	325	7	financial	financial	ADJ
fsr-3238	325	8	services	service	NOUN
fsr-3238	325	9	review	review	VERB
fsr-3238	325	10	24	24	NUM
fsr-3238	325	11	(	(	PUNCT
fsr-3238	325	12	2015	2015	NUM
fsr-3238	325	13	)	)	PUNCT
fsr-3238	325	14	139–155	139–155	PROPN
fsr-3238	325	15	gustman	gustman	NOUN
fsr-3238	325	16	,	,	PUNCT
fsr-3238	325	17	a.	a.	PROPN
fsr-3238	325	18	l.	l.	PROPN
fsr-3238	325	19	,	,	PUNCT
fsr-3238	325	20	steinmeier	steinmeier	PROPN
fsr-3238	325	21	,	,	PUNCT
fsr-3238	325	22	t.	t.	PROPN
fsr-3238	325	23	l.	l.	PROPN
fsr-3238	325	24	,	,	PUNCT
fsr-3238	325	25	tabatabai	tabatabai	PROPN
fsr-3238	325	26	,	,	PUNCT
fsr-3238	325	27	n.	n.	NOUN
fsr-3238	325	28	(	(	PUNCT
fsr-3238	325	29	2007	2007	NUM
fsr-3238	325	30	)	)	PUNCT
fsr-3238	325	31	.	.	PUNCT
fsr-3238	326	1	imperfect	imperfect	ADJ
fsr-3238	326	2	knowledge	knowledge	NOUN
fsr-3238	326	3	of	of	ADP
fsr-3238	326	4	plan	plan	NOUN
fsr-3238	326	5	type	type	NOUN
fsr-3238	326	6	.	.	PUNCT
fsr-3238	327	1	nber	nber	PROPN
fsr-3238	327	2	working	working	PROPN
fsr-3238	327	3	paper	paper	PROPN
fsr-3238	327	4	,	,	PUNCT
fsr-3238	327	5	no	no	INTJ
fsr-3238	327	6	.	.	NOUN
fsr-3238	327	7	13379	13379	NUM
fsr-3238	327	8	.	.	PUNCT
fsr-3238	328	1	hanna	hanna	PROPN
fsr-3238	328	2	,	,	PUNCT
fsr-3238	328	3	s.	s.	PROPN
fsr-3238	328	4	d.	d.	PROPN
fsr-3238	328	5	(	(	PUNCT
fsr-3238	328	6	2011	2011	NUM
fsr-3238	328	7	)	)	PUNCT
fsr-3238	328	8	.	.	PUNCT
fsr-3238	329	1	the	the	DET
fsr-3238	329	2	demand	demand	NOUN
fsr-3238	329	3	for	for	ADP
fsr-3238	329	4	financial	financial	ADJ
fsr-3238	329	5	planning	planning	NOUN
fsr-3238	329	6	services	service	NOUN
fsr-3238	329	7	.	.	PUNCT
fsr-3238	330	1	journal	journal	NOUN
fsr-3238	330	2	of	of	ADP
fsr-3238	330	3	personal	personal	ADJ
fsr-3238	330	4	finance	finance	NOUN
fsr-3238	330	5	,	,	PUNCT
fsr-3238	330	6	10	10	NUM
fsr-3238	330	7	,	,	PUNCT
fsr-3238	330	8	36–62	36–62	NUM
fsr-3238	330	9	.	.	PUNCT
fsr-3238	331	1	hanna	hanna	PROPN
fsr-3238	331	2	,	,	PUNCT
fsr-3238	331	3	s.	s.	PROPN
fsr-3238	331	4	d.	d.	PROPN
fsr-3238	331	5	,	,	PUNCT
fsr-3238	331	6	&	&	CCONJ
fsr-3238	331	7	chen	chen	PROPN
fsr-3238	331	8	,	,	PUNCT
fsr-3238	331	9	c.	c.	PROPN
fsr-3238	331	10	c.	c.	PROPN
fsr-3238	331	11	(	(	PUNCT
fsr-3238	331	12	2008	2008	NUM
fsr-3238	331	13	)	)	PUNCT
fsr-3238	331	14	.	.	PUNCT
fsr-3238	332	1	retirement	retirement	NOUN
fsr-3238	332	2	savings	saving	NOUN
fsr-3238	332	3	.	.	PUNCT
fsr-3238	333	1	in	in	ADP
fsr-3238	333	2	j.	j.	PROPN
fsr-3238	333	3	xiao	xiao	PROPN
fsr-3238	333	4	(	(	PUNCT
fsr-3238	333	5	ed	ed	NOUN
fsr-3238	333	6	.	.	PUNCT
fsr-3238	333	7	)	)	PUNCT
fsr-3238	333	8	,	,	PUNCT
fsr-3238	333	9	handbook	handbook	NOUN
fsr-3238	333	10	of	of	ADP
fsr-3238	333	11	consumer	consumer	NOUN
fsr-3238	333	12	finance	finance	NOUN
fsr-3238	333	13	research	research	NOUN
fsr-3238	333	14	(	(	PUNCT
fsr-3238	333	15	pp	pp	ADJ
fsr-3238	333	16	.	.	PUNCT
fsr-3238	333	17	35–46	35–46	NUM
fsr-3238	333	18	)	)	PUNCT
fsr-3238	333	19	.	.	PUNCT
fsr-3238	334	1	new	new	PROPN
fsr-3238	334	2	york	york	PROPN
fsr-3238	334	3	,	,	PUNCT
fsr-3238	334	4	ny	ny	PROPN
fsr-3238	334	5	:	:	PUNCT
fsr-3238	334	6	springer	springer	NOUN
fsr-3238	334	7	publishing	publishing	NOUN
fsr-3238	334	8	,	,	PUNCT
fsr-3238	334	9	.	.	PUNCT
fsr-3238	335	1	hanna	hanna	PROPN
fsr-3238	335	2	,	,	PUNCT
fsr-3238	335	3	s.	s.	PROPN
fsr-3238	335	4	d.	d.	PROPN
fsr-3238	335	5	,	,	PUNCT
fsr-3238	335	6	&	&	CCONJ
fsr-3238	335	7	lindamood	lindamood	PROPN
fsr-3238	335	8	,	,	PUNCT
fsr-3238	335	9	s.	s.	PROPN
fsr-3238	335	10	(	(	PUNCT
fsr-3238	335	11	2008	2008	NUM
fsr-3238	335	12	)	)	PUNCT
fsr-3238	335	13	.	.	PUNCT
fsr-3238	336	1	the	the	DET
fsr-3238	336	2	decrease	decrease	NOUN
fsr-3238	336	3	in	in	ADP
fsr-3238	336	4	stock	stock	NOUN
fsr-3238	336	5	ownership	ownership	NOUN
fsr-3238	336	6	by	by	ADP
fsr-3238	336	7	minority	minority	NOUN
fsr-3238	336	8	households	household	NOUN
fsr-3238	336	9	.	.	PUNCT
fsr-3238	337	1	journal	journal	NOUN
fsr-3238	337	2	of	of	ADP
fsr-3238	337	3	financial	financial	ADJ
fsr-3238	337	4	counseling	counseling	NOUN
fsr-3238	337	5	and	and	CCONJ
fsr-3238	337	6	planning	planning	NOUN
fsr-3238	337	7	,	,	PUNCT
fsr-3238	337	8	19	19	NUM
fsr-3238	337	9	,	,	PUNCT
fsr-3238	337	10	46–58	46–58	NOUN
fsr-3238	337	11	.	.	PUNCT
fsr-3238	338	1	huston	huston	PROPN
fsr-3238	338	2	,	,	PUNCT
fsr-3238	338	3	s.	s.	PROPN
fsr-3238	338	4	j.	j.	PROPN
fsr-3238	338	5	,	,	PUNCT
fsr-3238	338	6	finke	finke	PROPN
fsr-3238	338	7	,	,	PUNCT
fsr-3238	338	8	m.	m.	NOUN
fsr-3238	338	9	s.	s.	PROPN
fsr-3238	338	10	,	,	PUNCT
fsr-3238	338	11	&	&	CCONJ
fsr-3238	338	12	smith	smith	PROPN
fsr-3238	338	13	,	,	PUNCT
fsr-3238	338	14	h.	h.	PROPN
fsr-3238	338	15	(	(	PUNCT
fsr-3238	338	16	2012	2012	NUM
fsr-3238	338	17	)	)	PUNCT
fsr-3238	338	18	.	.	PUNCT
fsr-3238	339	1	a	a	DET
fsr-3238	339	2	financial	financial	ADJ
fsr-3238	339	3	sophistication	sophistication	NOUN
fsr-3238	339	4	proxy	proxy	NOUN
fsr-3238	339	5	for	for	ADP
fsr-3238	339	6	the	the	DET
fsr-3238	339	7	survey	survey	NOUN
fsr-3238	339	8	of	of	ADP
fsr-3238	339	9	consumer	consumer	NOUN
fsr-3238	339	10	finances	finance	NOUN
fsr-3238	339	11	.	.	PUNCT
fsr-3238	340	1	applied	apply	VERB
fsr-3238	340	2	economics	economic	NOUN
fsr-3238	340	3	letters	letter	NOUN
fsr-3238	340	4	,	,	PUNCT
fsr-3238	340	5	19	19	NUM
fsr-3238	340	6	,	,	PUNCT
fsr-3238	340	7	1275–1278	1275–1278	NUM
fsr-3238	340	8	.	.	PUNCT
fsr-3238	341	1	joo	joo	PROPN
fsr-3238	341	2	,	,	PUNCT
fsr-3238	341	3	s.	s.	PROPN
fsr-3238	341	4	,	,	PUNCT
fsr-3238	341	5	&	&	CCONJ
fsr-3238	341	6	grable	grable	PROPN
fsr-3238	341	7	,	,	PUNCT
fsr-3238	341	8	j.	j.	PROPN
fsr-3238	341	9	e.	e.	PROPN
fsr-3238	341	10	(	(	PUNCT
fsr-3238	341	11	2001	2001	NUM
fsr-3238	341	12	)	)	PUNCT
fsr-3238	341	13	.	.	PUNCT
fsr-3238	342	1	factors	factor	NOUN
fsr-3238	342	2	associated	associate	VERB
fsr-3238	342	3	with	with	ADP
fsr-3238	342	4	seeking	seek	VERB
fsr-3238	342	5	and	and	CCONJ
fsr-3238	342	6	using	use	VERB
fsr-3238	342	7	professional	professional	ADJ
fsr-3238	342	8	retirement	retirement	NOUN
fsr-3238	342	9	-	-	PUNCT
fsr-3238	342	10	planning	planning	NOUN
fsr-3238	342	11	help	help	NOUN
fsr-3238	342	12	.	.	PUNCT
fsr-3238	343	1	family	family	NOUN
fsr-3238	343	2	and	and	CCONJ
fsr-3238	343	3	consumer	consumer	NOUN
fsr-3238	343	4	science	science	PROPN
fsr-3238	343	5	research	research	NOUN
fsr-3238	343	6	journal	journal	NOUN
fsr-3238	343	7	,	,	PUNCT
fsr-3238	343	8	30	30	NUM
fsr-3238	343	9	,	,	PUNCT
fsr-3238	343	10	37–63	37–63	NUM
fsr-3238	343	11	.	.	PUNCT
fsr-3238	344	1	kilty	kilty	PROPN
fsr-3238	344	2	,	,	PUNCT
fsr-3238	344	3	k.	k.	PROPN
fsr-3238	344	4	,	,	PUNCT
fsr-3238	344	5	&	&	CCONJ
fsr-3238	344	6	behling	behling	PROPN
fsr-3238	344	7	,	,	PUNCT
fsr-3238	344	8	j.	j.	PROPN
fsr-3238	344	9	(	(	PUNCT
fsr-3238	344	10	1985	1985	NUM
fsr-3238	344	11	)	)	PUNCT
fsr-3238	344	12	.	.	PUNCT
fsr-3238	345	1	predicting	predict	VERB
fsr-3238	345	2	the	the	DET
fsr-3238	345	3	retirement	retirement	NOUN
fsr-3238	345	4	intentions	intention	NOUN
fsr-3238	345	5	and	and	CCONJ
fsr-3238	345	6	attitudes	attitude	NOUN
fsr-3238	345	7	of	of	ADP
fsr-3238	345	8	professional	professional	ADJ
fsr-3238	345	9	workers	worker	NOUN
fsr-3238	345	10	.	.	PUNCT
fsr-3238	346	1	the	the	DET
fsr-3238	346	2	journal	journal	PROPN
fsr-3238	346	3	of	of	ADP
fsr-3238	346	4	gerontology	gerontology	NOUN
fsr-3238	346	5	,	,	PUNCT
fsr-3238	346	6	40	40	NUM
fsr-3238	346	7	,	,	PUNCT
fsr-3238	346	8	219–227	219–227	NUM
fsr-3238	346	9	.	.	PUNCT
fsr-3238	347	1	kim	kim	PROPN
fsr-3238	347	2	,	,	PUNCT
fsr-3238	347	3	k.	k.	PROPN
fsr-3238	347	4	t.	t.	PROPN
fsr-3238	347	5	,	,	PUNCT
fsr-3238	347	6	&	&	CCONJ
fsr-3238	347	7	hanna	hanna	PROPN
fsr-3238	347	8	,	,	PUNCT
fsr-3238	347	9	s.	s.	PROPN
fsr-3238	347	10	d.	d.	PROPN
fsr-3238	347	11	(	(	PUNCT
fsr-3238	347	12	2013	2013	NUM
fsr-3238	347	13	)	)	PUNCT
fsr-3238	347	14	.	.	PUNCT
fsr-3238	348	1	does	do	AUX
fsr-3238	348	2	financial	financial	ADJ
fsr-3238	348	3	sophistication	sophistication	NOUN
fsr-3238	348	4	matter	matter	NOUN
fsr-3238	348	5	in	in	ADP
fsr-3238	348	6	retirement	retirement	NOUN
fsr-3238	348	7	preparedness	preparedness	NOUN
fsr-3238	348	8	?	?	PUNCT
fsr-3238	349	1	evidence	evidence	NOUN
fsr-3238	349	2	from	from	ADP
fsr-3238	349	3	the	the	DET
fsr-3238	349	4	2010	2010	NUM
fsr-3238	349	5	survey	survey	NOUN
fsr-3238	349	6	of	of	ADP
fsr-3238	349	7	consumer	consumer	NOUN
fsr-3238	349	8	finances	finance	NOUN
fsr-3238	349	9	,	,	PUNCT
fsr-3238	349	10	consumer	consumer	NOUN
fsr-3238	349	11	interests	interest	NOUN
fsr-3238	349	12	annual	annual	ADJ
fsr-3238	349	13	,	,	PUNCT
fsr-3238	349	14	59	59	NUM
fsr-3238	349	15	.	.	PUNCT
fsr-3238	350	1	kim	kim	PROPN
fsr-3238	350	2	,	,	PUNCT
fsr-3238	350	3	k.	k.	PROPN
fsr-3238	350	4	t.	t.	PROPN
fsr-3238	350	5	,	,	PUNCT
fsr-3238	350	6	hanna	hanna	PROPN
fsr-3238	350	7	,	,	PUNCT
fsr-3238	350	8	s.	s.	PROPN
fsr-3238	350	9	d.	d.	PROPN
fsr-3238	350	10	,	,	PUNCT
fsr-3238	350	11	&	&	CCONJ
fsr-3238	350	12	chen	chen	PROPN
fsr-3238	350	13	,	,	PUNCT
fsr-3238	350	14	s.	s.	PROPN
fsr-3238	350	15	c.	c.	PROPN
fsr-3238	350	16	(	(	PUNCT
fsr-3238	350	17	2014	2014	NUM
fsr-3238	350	18	)	)	PUNCT
fsr-3238	350	19	.	.	PUNCT
fsr-3238	351	1	consideration	consideration	NOUN
fsr-3238	351	2	of	of	ADP
fsr-3238	351	3	retirement	retirement	NOUN
fsr-3238	351	4	income	income	NOUN
fsr-3238	351	5	stages	stage	NOUN
fsr-3238	351	6	in	in	ADP
fsr-3238	351	7	planning	plan	VERB
fsr-3238	351	8	for	for	ADP
fsr-3238	351	9	retirement	retirement	NOUN
fsr-3238	351	10	.	.	PUNCT
fsr-3238	352	1	journal	journal	PROPN
fsr-3238	352	2	of	of	ADP
fsr-3238	352	3	personal	personal	ADJ
fsr-3238	352	4	finance	finance	NOUN
fsr-3238	352	5	,	,	PUNCT
fsr-3238	352	6	13	13	NUM
fsr-3238	352	7	,	,	PUNCT
fsr-3238	352	8	52–64	52–64	NUM
fsr-3238	352	9	.	.	PUNCT
fsr-3238	353	1	knoll	knoll	PROPN
fsr-3238	353	2	,	,	PUNCT
fsr-3238	353	3	m.	m.	NOUN
fsr-3238	353	4	(	(	PUNCT
fsr-3238	353	5	2010	2010	NUM
fsr-3238	353	6	)	)	PUNCT
fsr-3238	353	7	.	.	PUNCT
fsr-3238	354	1	the	the	DET
fsr-3238	354	2	role	role	NOUN
fsr-3238	354	3	of	of	ADP
fsr-3238	354	4	behavioral	behavioral	ADJ
fsr-3238	354	5	economics	economic	NOUN
fsr-3238	354	6	and	and	CCONJ
fsr-3238	354	7	behavioral	behavioral	ADJ
fsr-3238	354	8	decision	decision	NOUN
fsr-3238	354	9	making	making	NOUN
fsr-3238	354	10	in	in	ADP
fsr-3238	354	11	americans	americans	PROPN
fsr-3238	354	12	’	’	PART
fsr-3238	354	13	retirement	retirement	NOUN
fsr-3238	354	14	savings	saving	NOUN
fsr-3238	354	15	decisions	decision	NOUN
fsr-3238	354	16	.	.	PUNCT
fsr-3238	355	1	social	social	ADJ
fsr-3238	355	2	security	security	NOUN
fsr-3238	355	3	bulletin	bulletin	NOUN
fsr-3238	355	4	,	,	PUNCT
fsr-3238	355	5	70	70	NUM
fsr-3238	355	6	,	,	PUNCT
fsr-3238	355	7	1–23	1–23	NOUN
fsr-3238	355	8	.	.	PUNCT
fsr-3238	356	1	korniotis	korniotis	PROPN
fsr-3238	356	2	,	,	PUNCT
fsr-3238	356	3	g.	g.	PROPN
fsr-3238	356	4	,	,	PUNCT
fsr-3238	356	5	&	&	CCONJ
fsr-3238	356	6	kumar	kumar	PROPN
fsr-3238	356	7	,	,	PUNCT
fsr-3238	356	8	a.	a.	NOUN
fsr-3238	356	9	(	(	PUNCT
fsr-3238	356	10	2011	2011	NUM
fsr-3238	356	11	)	)	PUNCT
fsr-3238	356	12	.	.	PUNCT
fsr-3238	357	1	do	do	AUX
fsr-3238	357	2	older	old	ADJ
fsr-3238	357	3	investors	investor	NOUN
fsr-3238	357	4	make	make	VERB
fsr-3238	357	5	better	well	ADJ
fsr-3238	357	6	investment	investment	NOUN
fsr-3238	357	7	decisions	decision	NOUN
fsr-3238	357	8	?	?	PUNCT
fsr-3238	358	1	review	review	NOUN
fsr-3238	358	2	of	of	ADP
fsr-3238	358	3	economics	economic	NOUN
fsr-3238	358	4	and	and	CCONJ
fsr-3238	358	5	statistics	statistic	NOUN
fsr-3238	358	6	,	,	PUNCT
fsr-3238	358	7	93	93	NUM
fsr-3238	358	8	,	,	PUNCT
fsr-3238	358	9	244–265	244–265	NUM
fsr-3238	358	10	.	.	PUNCT
fsr-3238	359	1	kyrychenko	kyrychenko	PROPN
fsr-3238	359	2	,	,	PUNCT
fsr-3238	359	3	v.	v.	PROPN
fsr-3238	359	4	,	,	PUNCT
fsr-3238	359	5	&	&	CCONJ
fsr-3238	359	6	shum	shum	ADJ
fsr-3238	359	7	,	,	PUNCT
fsr-3238	359	8	p.	p.	NOUN
fsr-3238	359	9	(	(	PUNCT
fsr-3238	359	10	2009	2009	NUM
fsr-3238	359	11	)	)	PUNCT
fsr-3238	359	12	.	.	PUNCT
fsr-3238	360	1	who	who	PRON
fsr-3238	360	2	holds	hold	VERB
fsr-3238	360	3	foreign	foreign	ADJ
fsr-3238	360	4	stocks	stock	NOUN
fsr-3238	360	5	and	and	CCONJ
fsr-3238	360	6	bonds	bond	NOUN
fsr-3238	360	7	?	?	PUNCT
fsr-3238	361	1	characteristics	characteristic	NOUN
fsr-3238	361	2	of	of	ADP
fsr-3238	361	3	active	active	ADJ
fsr-3238	361	4	investors	investor	NOUN
fsr-3238	361	5	in	in	ADP
fsr-3238	361	6	foreign	foreign	ADJ
fsr-3238	361	7	securities	security	NOUN
fsr-3238	361	8	.	.	PUNCT
fsr-3238	362	1	financial	financial	ADJ
fsr-3238	362	2	services	services	PROPN
fsr-3238	362	3	review	review	PROPN
fsr-3238	362	4	,	,	PUNCT
fsr-3238	362	5	18	18	NUM
fsr-3238	362	6	,	,	PUNCT
fsr-3238	362	7	1–21	1–21	PROPN
fsr-3238	362	8	.	.	PUNCT
fsr-3238	363	1	laibson	laibson	PROPN
fsr-3238	363	2	,	,	PUNCT
fsr-3238	363	3	d.	d.	PROPN
fsr-3238	363	4	(	(	PUNCT
fsr-3238	363	5	1997	1997	NUM
fsr-3238	363	6	)	)	PUNCT
fsr-3238	363	7	.	.	PUNCT
fsr-3238	364	1	golden	golden	ADJ
fsr-3238	364	2	eggs	egg	NOUN
fsr-3238	364	3	and	and	CCONJ
fsr-3238	364	4	hyperbolic	hyperbolic	ADJ
fsr-3238	364	5	discounting	discounting	NOUN
fsr-3238	364	6	.	.	PUNCT
fsr-3238	365	1	quarterly	quarterly	ADJ
fsr-3238	365	2	journal	journal	NOUN
fsr-3238	365	3	of	of	ADP
fsr-3238	365	4	economics	economic	NOUN
fsr-3238	365	5	,	,	PUNCT
fsr-3238	365	6	62	62	NUM
fsr-3238	365	7	,	,	PUNCT
fsr-3238	365	8	443–478	443–478	NUM
fsr-3238	365	9	.	.	PUNCT
fsr-3238	366	1	lindamood	lindamood	PROPN
fsr-3238	366	2	,	,	PUNCT
fsr-3238	366	3	s.	s.	PROPN
fsr-3238	366	4	,	,	PUNCT
fsr-3238	366	5	hanna	hanna	PROPN
fsr-3238	366	6	,	,	PUNCT
fsr-3238	366	7	s.	s.	PROPN
fsr-3238	366	8	d.	d.	PROPN
fsr-3238	366	9	,	,	PUNCT
fsr-3238	366	10	&	&	CCONJ
fsr-3238	366	11	bi	bi	PROPN
fsr-3238	366	12	,	,	PUNCT
fsr-3238	366	13	l.	l.	PROPN
fsr-3238	366	14	(	(	PUNCT
fsr-3238	366	15	2007	2007	NUM
fsr-3238	366	16	)	)	PUNCT
fsr-3238	366	17	.	.	PUNCT
fsr-3238	367	1	using	use	VERB
fsr-3238	367	2	the	the	DET
fsr-3238	367	3	survey	survey	NOUN
fsr-3238	367	4	of	of	ADP
fsr-3238	367	5	consumer	consumer	NOUN
fsr-3238	367	6	finances	finance	NOUN
fsr-3238	367	7	:	:	PUNCT
fsr-3238	367	8	some	some	DET
fsr-3238	367	9	methodological	methodological	ADJ
fsr-3238	367	10	considerations	consideration	NOUN
fsr-3238	367	11	and	and	CCONJ
fsr-3238	367	12	issues	issue	NOUN
fsr-3238	367	13	.	.	PUNCT
fsr-3238	368	1	journal	journal	NOUN
fsr-3238	368	2	of	of	ADP
fsr-3238	368	3	consumer	consumer	NOUN
fsr-3238	368	4	affairs	affair	NOUN
fsr-3238	368	5	,	,	PUNCT
fsr-3238	368	6	41	41	NUM
fsr-3238	368	7	,	,	PUNCT
fsr-3238	368	8	195–222	195–222	NUM
fsr-3238	368	9	.	.	PUNCT
fsr-3238	369	1	loving	love	VERB
fsr-3238	369	2	,	,	PUNCT
fsr-3238	369	3	a.	a.	PROPN
fsr-3238	369	4	c.	c.	PROPN
fsr-3238	369	5	,	,	PUNCT
fsr-3238	369	6	finke	finke	PROPN
fsr-3238	369	7	,	,	PUNCT
fsr-3238	369	8	m.	m.	NOUN
fsr-3238	369	9	s.	s.	PROPN
fsr-3238	369	10	,	,	PUNCT
fsr-3238	369	11	&	&	CCONJ
fsr-3238	369	12	salter	salter	PROPN
fsr-3238	369	13	,	,	PUNCT
fsr-3238	369	14	j.	j.	PROPN
fsr-3238	369	15	r.	r.	PROPN
fsr-3238	369	16	(	(	PUNCT
fsr-3238	369	17	2012	2012	NUM
fsr-3238	369	18	)	)	PUNCT
fsr-3238	369	19	.	.	PUNCT
fsr-3238	370	1	explaining	explain	VERB
fsr-3238	370	2	the	the	DET
fsr-3238	370	3	2004	2004	NUM
fsr-3238	370	4	decrease	decrease	NOUN
fsr-3238	370	5	in	in	ADP
fsr-3238	370	6	minority	minority	NOUN
fsr-3238	370	7	stock	stock	NOUN
fsr-3238	370	8	market	market	NOUN
fsr-3238	370	9	ownership	ownership	NOUN
fsr-3238	370	10	.	.	PUNCT
fsr-3238	371	1	review	review	NOUN
fsr-3238	371	2	of	of	ADP
fsr-3238	371	3	black	black	ADJ
fsr-3238	371	4	political	political	ADJ
fsr-3238	371	5	economy	economy	NOUN
fsr-3238	371	6	,	,	PUNCT
fsr-3238	371	7	39	39	NUM
fsr-3238	371	8	,	,	PUNCT
fsr-3238	371	9	403–425	403–425	NUM
fsr-3238	371	10	.	.	PUNCT
fsr-3238	372	1	lusardi	lusardi	PROPN
fsr-3238	372	2	,	,	PUNCT
fsr-3238	372	3	a.	a.	PROPN
fsr-3238	372	4	,	,	PUNCT
fsr-3238	372	5	&	&	CCONJ
fsr-3238	372	6	mitchell	mitchell	PROPN
fsr-3238	372	7	,	,	PUNCT
fsr-3238	372	8	o.	o.	PROPN
fsr-3238	372	9	s.	s.	PROPN
fsr-3238	372	10	(	(	PUNCT
fsr-3238	372	11	2007	2007	NUM
fsr-3238	372	12	)	)	PUNCT
fsr-3238	372	13	.	.	PUNCT
fsr-3238	373	1	baby	baby	NOUN
fsr-3238	373	2	boomers	boomer	NOUN
fsr-3238	373	3	’	’	PART
fsr-3238	373	4	retirement	retirement	NOUN
fsr-3238	373	5	security	security	NOUN
fsr-3238	373	6	:	:	PUNCT
fsr-3238	373	7	the	the	DET
fsr-3238	373	8	role	role	NOUN
fsr-3238	373	9	of	of	ADP
fsr-3238	373	10	planning	planning	NOUN
fsr-3238	373	11	,	,	PUNCT
fsr-3238	373	12	financial	financial	ADJ
fsr-3238	373	13	literacy	literacy	NOUN
fsr-3238	373	14	and	and	CCONJ
fsr-3238	373	15	housing	housing	NOUN
fsr-3238	373	16	wealth	wealth	NOUN
fsr-3238	373	17	.	.	PUNCT
fsr-3238	374	1	journal	journal	PROPN
fsr-3238	374	2	of	of	ADP
fsr-3238	374	3	monetary	monetary	ADJ
fsr-3238	374	4	economics	economic	NOUN
fsr-3238	374	5	,	,	PUNCT
fsr-3238	374	6	54	54	NUM
fsr-3238	374	7	,	,	PUNCT
fsr-3238	374	8	205–224	205–224	NUM
fsr-3238	374	9	.	.	PUNCT
fsr-3238	375	1	lusardi	lusardi	PROPN
fsr-3238	375	2	,	,	PUNCT
fsr-3238	375	3	a.	a.	PROPN
fsr-3238	375	4	,	,	PUNCT
fsr-3238	375	5	&	&	CCONJ
fsr-3238	375	6	mitchell	mitchell	PROPN
fsr-3238	375	7	,	,	PUNCT
fsr-3238	375	8	o.	o.	PROPN
fsr-3238	375	9	s.	s.	PROPN
fsr-3238	375	10	(	(	PUNCT
fsr-3238	375	11	2011	2011	NUM
fsr-3238	375	12	)	)	PUNCT
fsr-3238	375	13	.	.	PUNCT
fsr-3238	376	1	financial	financial	ADJ
fsr-3238	376	2	literacy	literacy	NOUN
fsr-3238	376	3	and	and	CCONJ
fsr-3238	376	4	planning	planning	NOUN
fsr-3238	376	5	:	:	PUNCT
fsr-3238	376	6	implications	implication	NOUN
fsr-3238	376	7	for	for	ADP
fsr-3238	376	8	retirement	retirement	NOUN
fsr-3238	376	9	wellbeing	wellbeing	NOUN
fsr-3238	376	10	.	.	PUNCT
fsr-3238	377	1	nber	nber	PROPN
fsr-3238	377	2	working	working	PROPN
fsr-3238	377	3	paper	paper	PROPN
fsr-3238	377	4	,	,	PUNCT
fsr-3238	377	5	no	no	INTJ
fsr-3238	377	6	.	.	NOUN
fsr-3238	377	7	17078	17078	NUM
fsr-3238	377	8	.	.	PUNCT
fsr-3238	378	1	malroutu	malroutu	ADJ
fsr-3238	378	2	,	,	PUNCT
fsr-3238	378	3	y.	y.	PROPN
fsr-3238	378	4	,	,	PUNCT
fsr-3238	378	5	&	&	CCONJ
fsr-3238	378	6	xiao	xiao	PROPN
fsr-3238	378	7	,	,	PUNCT
fsr-3238	378	8	j.	j.	PROPN
fsr-3238	378	9	(	(	PUNCT
fsr-3238	378	10	1995	1995	NUM
fsr-3238	378	11	)	)	PUNCT
fsr-3238	378	12	.	.	PUNCT
fsr-3238	379	1	perceived	perceive	VERB
fsr-3238	379	2	adequacy	adequacy	NOUN
fsr-3238	379	3	of	of	ADP
fsr-3238	379	4	retirement	retirement	NOUN
fsr-3238	379	5	income	income	NOUN
fsr-3238	379	6	.	.	PUNCT
fsr-3238	380	1	financial	financial	ADJ
fsr-3238	380	2	counseling	counseling	NOUN
fsr-3238	380	3	and	and	CCONJ
fsr-3238	380	4	planning	planning	NOUN
fsr-3238	380	5	,	,	PUNCT
fsr-3238	380	6	6	6	NUM
fsr-3238	380	7	,	,	PUNCT
fsr-3238	380	8	17–23	17–23	NUM
fsr-3238	380	9	.	.	PUNCT
fsr-3238	381	1	mcardle	mcardle	PROPN
fsr-3238	381	2	,	,	PUNCT
fsr-3238	381	3	j.	j.	PROPN
fsr-3238	381	4	j.	j.	PROPN
fsr-3238	381	5	,	,	PUNCT
fsr-3238	381	6	smith	smith	PROPN
fsr-3238	381	7	,	,	PUNCT
fsr-3238	381	8	j.	j.	PROPN
fsr-3238	381	9	p.	p.	PROPN
fsr-3238	381	10	,	,	PUNCT
fsr-3238	381	11	&	&	CCONJ
fsr-3238	381	12	willis	willis	PROPN
fsr-3238	381	13	,	,	PUNCT
fsr-3238	381	14	r.	r.	PROPN
fsr-3238	381	15	(	(	PUNCT
fsr-3238	381	16	2011	2011	NUM
fsr-3238	381	17	)	)	PUNCT
fsr-3238	381	18	.	.	PUNCT
fsr-3238	382	1	cognition	cognition	NOUN
fsr-3238	382	2	and	and	CCONJ
fsr-3238	382	3	economic	economic	ADJ
fsr-3238	382	4	outcomes	outcome	NOUN
fsr-3238	382	5	in	in	ADP
fsr-3238	382	6	the	the	DET
fsr-3238	382	7	health	health	NOUN
fsr-3238	382	8	and	and	CCONJ
fsr-3238	382	9	retirement	retirement	NOUN
fsr-3238	382	10	survey	survey	NOUN
fsr-3238	382	11	.	.	PUNCT
fsr-3238	383	1	in	in	ADP
fsr-3238	383	2	d.	d.	PROPN
fsr-3238	383	3	a.	a.	PROPN
fsr-3238	383	4	wise	wise	PROPN
fsr-3238	383	5	(	(	PUNCT
fsr-3238	383	6	ed	ed	NOUN
fsr-3238	383	7	.	.	PUNCT
fsr-3238	383	8	)	)	PUNCT
fsr-3238	383	9	,	,	PUNCT
fsr-3238	383	10	explorations	exploration	NOUN
fsr-3238	383	11	in	in	ADP
fsr-3238	383	12	the	the	DET
fsr-3238	383	13	economics	economic	NOUN
fsr-3238	383	14	of	of	ADP
fsr-3238	383	15	aging	age	VERB
fsr-3238	383	16	(	(	PUNCT
fsr-3238	383	17	pp	pp	ADJ
fsr-3238	383	18	.	.	PUNCT
fsr-3238	384	1	209–233	209–233	NUM
fsr-3238	384	2	)	)	PUNCT
fsr-3238	384	3	.	.	PUNCT
fsr-3238	385	1	chicago	chicago	PROPN
fsr-3238	385	2	,	,	PUNCT
fsr-3238	385	3	il	il	PROPN
fsr-3238	385	4	:	:	PUNCT
fsr-3238	385	5	university	university	PROPN
fsr-3238	385	6	of	of	ADP
fsr-3238	385	7	chicago	chicago	PROPN
fsr-3238	385	8	press	press	NOUN
fsr-3238	385	9	.	.	PUNCT
fsr-3238	386	1	modigliani	modigliani	PROPN
fsr-3238	386	2	,	,	PUNCT
fsr-3238	386	3	f.	f.	PROPN
fsr-3238	386	4	&	&	CCONJ
fsr-3238	386	5	brumberg	brumberg	PROPN
fsr-3238	386	6	,	,	PUNCT
fsr-3238	386	7	r.	r.	PROPN
fsr-3238	386	8	(	(	PUNCT
fsr-3238	386	9	1954	1954	NUM
fsr-3238	386	10	)	)	PUNCT
fsr-3238	386	11	.	.	PUNCT
fsr-3238	387	1	utility	utility	NOUN
fsr-3238	387	2	analysis	analysis	NOUN
fsr-3238	387	3	and	and	CCONJ
fsr-3238	387	4	the	the	DET
fsr-3238	387	5	consumption	consumption	NOUN
fsr-3238	387	6	function	function	NOUN
fsr-3238	387	7	:	:	PUNCT
fsr-3238	387	8	an	an	DET
fsr-3238	387	9	interpretation	interpretation	NOUN
fsr-3238	387	10	of	of	ADP
fsr-3238	387	11	cross	cross	ADJ
fsr-3238	387	12	-	-	ADJ
fsr-3238	387	13	section	section	ADJ
fsr-3238	387	14	data	datum	NOUN
fsr-3238	387	15	.	.	PUNCT
fsr-3238	388	1	in	in	ADP
fsr-3238	388	2	k.	k.	PROPN
fsr-3238	388	3	kurihara	kurihara	PROPN
fsr-3238	388	4	(	(	PUNCT
fsr-3238	388	5	ed	ed	NOUN
fsr-3238	388	6	.	.	PUNCT
fsr-3238	388	7	)	)	PUNCT
fsr-3238	388	8	,	,	PUNCT
fsr-3238	388	9	post	post	ADJ
fsr-3238	388	10	-	-	ADJ
fsr-3238	388	11	keynesian	keynesian	ADJ
fsr-3238	388	12	economics	economic	NOUN
fsr-3238	388	13	(	(	PUNCT
fsr-3238	388	14	pp	pp	ADJ
fsr-3238	388	15	.	.	PUNCT
fsr-3238	388	16	388–436	388–436	NUM
fsr-3238	388	17	)	)	PUNCT
fsr-3238	388	18	.	.	PUNCT
fsr-3238	389	1	new	new	PROPN
fsr-3238	389	2	brunswick	brunswick	PROPN
fsr-3238	389	3	,	,	PUNCT
fsr-3238	389	4	nj	nj	PROPN
fsr-3238	389	5	:	:	PUNCT
fsr-3238	389	6	rutgers	rutgers	PROPN
fsr-3238	389	7	university	university	PROPN
fsr-3238	389	8	press	press	NOUN
fsr-3238	389	9	.	.	PUNCT
fsr-3238	389	10	montalto	montalto	PROPN
fsr-3238	389	11	,	,	PUNCT
fsr-3238	389	12	c.	c.	PROPN
fsr-3238	389	13	p.	p.	PROPN
fsr-3238	389	14	,	,	PUNCT
fsr-3238	389	15	yuh	yuh	PROPN
fsr-3238	389	16	,	,	PUNCT
fsr-3238	389	17	y.	y.	PROPN
fsr-3238	389	18	,	,	PUNCT
fsr-3238	389	19	&	&	CCONJ
fsr-3238	389	20	hanna	hanna	PROPN
fsr-3238	389	21	,	,	PUNCT
fsr-3238	389	22	s.	s.	PROPN
fsr-3238	389	23	d.	d.	PROPN
fsr-3238	389	24	(	(	PUNCT
fsr-3238	389	25	2000	2000	NUM
fsr-3238	389	26	)	)	PUNCT
fsr-3238	389	27	.	.	PUNCT
fsr-3238	390	1	determinants	determinant	NOUN
fsr-3238	390	2	of	of	ADP
fsr-3238	390	3	planned	plan	VERB
fsr-3238	390	4	retirement	retirement	NOUN
fsr-3238	390	5	age	age	NOUN
fsr-3238	390	6	.	.	PUNCT
fsr-3238	391	1	financial	financial	ADJ
fsr-3238	391	2	services	service	NOUN
fsr-3238	391	3	review	review	NOUN
fsr-3238	391	4	,	,	PUNCT
fsr-3238	391	5	9	9	NUM
fsr-3238	391	6	,	,	PUNCT
fsr-3238	391	7	1–15	1–15	NUM
fsr-3238	391	8	.	.	PUNCT
fsr-3238	392	1	morton	morton	PROPN
fsr-3238	392	2	,	,	PUNCT
fsr-3238	392	3	h.	h.	PROPN
fsr-3238	392	4	(	(	PUNCT
fsr-3238	392	5	1993	1993	NUM
fsr-3238	392	6	)	)	PUNCT
fsr-3238	392	7	.	.	PUNCT
fsr-3238	393	1	the	the	DET
fsr-3238	393	2	story	story	NOUN
fsr-3238	393	3	of	of	ADP
fsr-3238	393	4	psychology	psychology	NOUN
fsr-3238	393	5	.	.	PUNCT
fsr-3238	394	1	new	new	PROPN
fsr-3238	394	2	york	york	PROPN
fsr-3238	394	3	,	,	PUNCT
fsr-3238	394	4	ny	ny	PROPN
fsr-3238	394	5	:	:	PUNCT
fsr-3238	394	6	bantam	bantam	VERB
fsr-3238	394	7	double	double	ADJ
fsr-3238	394	8	dell	dell	PROPN
fsr-3238	394	9	publishing	publishing	NOUN
fsr-3238	394	10	group	group	NOUN
fsr-3238	394	11	,	,	PUNCT
fsr-3238	394	12	inc	inc	PROPN
fsr-3238	394	13	.	.	PROPN
fsr-3238	394	14	munnell	munnell	PROPN
fsr-3238	394	15	,	,	PUNCT
fsr-3238	394	16	a.	a.	PROPN
fsr-3238	394	17	h.	h.	PROPN
fsr-3238	394	18	(	(	PUNCT
fsr-3238	394	19	2012	2012	NUM
fsr-3238	394	20	)	)	PUNCT
fsr-3238	394	21	.	.	PUNCT
fsr-3238	395	1	2010	2010	NUM
fsr-3238	395	2	scf	scf	PROPN
fsr-3238	395	3	suggests	suggest	VERB
fsr-3238	395	4	even	even	ADV
fsr-3238	395	5	greater	great	ADJ
fsr-3238	395	6	retirement	retirement	NOUN
fsr-3238	395	7	risks	risk	NOUN
fsr-3238	395	8	.	.	PUNCT
fsr-3238	396	1	center	center	NOUN
fsr-3238	396	2	for	for	ADP
fsr-3238	396	3	retirement	retirement	NOUN
fsr-3238	396	4	research	research	NOUN
fsr-3238	396	5	at	at	ADP
fsr-3238	396	6	boston	boston	PROPN
fsr-3238	396	7	college	college	PROPN
fsr-3238	396	8	issue	issue	NOUN
fsr-3238	396	9	in	in	ADP
fsr-3238	396	10	brief	brief	ADJ
fsr-3238	396	11	12–15	12–15	NUM
fsr-3238	396	12	.	.	PUNCT
fsr-3238	397	1	munnell	munnell	PROPN
fsr-3238	397	2	,	,	PUNCT
fsr-3238	397	3	a.	a.	PROPN
fsr-3238	397	4	h.	h.	PROPN
fsr-3238	397	5	,	,	PUNCT
fsr-3238	397	6	golub	golub	PROPN
fsr-3238	397	7	-	-	PUNCT
fsr-3238	397	8	sass	sass	PROPN
fsr-3238	397	9	,	,	PUNCT
fsr-3238	397	10	f.	f.	PROPN
fsr-3238	397	11	,	,	PUNCT
fsr-3238	397	12	soto	soto	PROPN
fsr-3238	397	13	,	,	PUNCT
fsr-3238	397	14	m.	m.	NOUN
fsr-3238	397	15	,	,	PUNCT
fsr-3238	397	16	&	&	CCONJ
fsr-3238	397	17	webb	webb	PROPN
fsr-3238	397	18	,	,	PUNCT
fsr-3238	397	19	a.	a.	NOUN
fsr-3238	397	20	(	(	PUNCT
fsr-3238	397	21	2008	2008	NUM
fsr-3238	397	22	)	)	PUNCT
fsr-3238	397	23	.	.	PUNCT
fsr-3238	398	1	do	do	AUX
fsr-3238	398	2	households	household	NOUN
fsr-3238	398	3	have	have	VERB
fsr-3238	398	4	a	a	DET
fsr-3238	398	5	good	good	ADJ
fsr-3238	398	6	sense	sense	NOUN
fsr-3238	398	7	of	of	ADP
fsr-3238	398	8	their	their	PRON
fsr-3238	398	9	retirement	retirement	NOUN
fsr-3238	398	10	preparedness	preparedness	NOUN
fsr-3238	398	11	?	?	PUNCT
fsr-3238	399	1	center	center	NOUN
fsr-3238	399	2	for	for	ADP
fsr-3238	399	3	retirement	retirement	NOUN
fsr-3238	399	4	research	research	NOUN
fsr-3238	399	5	at	at	ADP
fsr-3238	399	6	boston	boston	PROPN
fsr-3238	399	7	college	college	PROPN
fsr-3238	399	8	issue	issue	NOUN
fsr-3238	399	9	in	in	ADP
fsr-3238	399	10	brief	brief	ADJ
fsr-3238	399	11	8–11	8–11	NOUN
fsr-3238	399	12	.	.	PUNCT
fsr-3238	400	1	palmer	palmer	PROPN
fsr-3238	400	2	,	,	PUNCT
fsr-3238	400	3	b.	b.	PROPN
fsr-3238	400	4	a.	a.	PROPN
fsr-3238	400	5	(	(	PUNCT
fsr-3238	400	6	1992	1992	NUM
fsr-3238	400	7	)	)	PUNCT
fsr-3238	400	8	.	.	PUNCT
fsr-3238	401	1	establishing	establish	VERB
fsr-3238	401	2	retirement	retirement	NOUN
fsr-3238	401	3	income	income	NOUN
fsr-3238	401	4	objectives	objective	NOUN
fsr-3238	401	5	:	:	PUNCT
fsr-3238	401	6	the	the	DET
fsr-3238	401	7	1991	1991	NUM
fsr-3238	401	8	retire	retire	NOUN
fsr-3238	401	9	project	project	NOUN
fsr-3238	401	10	.	.	PUNCT
fsr-3238	402	1	benefits	benefit	NOUN
fsr-3238	402	2	quarterly	quarterly	ADV
fsr-3238	402	3	,	,	PUNCT
fsr-3238	402	4	third	third	ADJ
fsr-3238	402	5	quarter	quarter	NOUN
fsr-3238	402	6	,	,	PUNCT
fsr-3238	402	7	6–15	6–15	PROPN
fsr-3238	402	8	.	.	PUNCT
fsr-3238	403	1	palmer	palmer	PROPN
fsr-3238	403	2	,	,	PUNCT
fsr-3238	403	3	b.	b.	PROPN
fsr-3238	403	4	a.	a.	PROPN
fsr-3238	403	5	(	(	PUNCT
fsr-3238	403	6	1994	1994	NUM
fsr-3238	403	7	)	)	PUNCT
fsr-3238	403	8	.	.	PUNCT
fsr-3238	404	1	retirement	retirement	NOUN
fsr-3238	404	2	income	income	NOUN
fsr-3238	404	3	replacement	replacement	NOUN
fsr-3238	404	4	ratios	ratio	NOUN
fsr-3238	404	5	:	:	PUNCT
fsr-3238	404	6	an	an	DET
fsr-3238	404	7	update	update	NOUN
fsr-3238	404	8	.	.	PUNCT
fsr-3238	405	1	benefits	benefit	NOUN
fsr-3238	405	2	quarterly	quarterly	ADV
fsr-3238	405	3	,	,	PUNCT
fsr-3238	405	4	second	second	ADJ
fsr-3238	405	5	quarter	quarter	NOUN
fsr-3238	405	6	,	,	PUNCT
fsr-3238	405	7	59–75	59–75	NUM
fsr-3238	405	8	.	.	NOUN
fsr-3238	405	9	154	154	NUM
fsr-3238	405	10	k.t	k.t	PROPN
fsr-3238	405	11	.	.	PROPN
fsr-3238	406	1	kim	kim	PROPN
fsr-3238	406	2	,	,	PUNCT
fsr-3238	406	3	s.d	s.d	PROPN
fsr-3238	406	4	.	.	PROPN
fsr-3238	406	5	hanna	hanna	PROPN
fsr-3238	406	6	/	/	SYM
fsr-3238	406	7	financial	financial	ADJ
fsr-3238	406	8	services	service	NOUN
fsr-3238	406	9	review	review	VERB
fsr-3238	406	10	24	24	NUM
fsr-3238	406	11	(	(	PUNCT
fsr-3238	406	12	2015	2015	NUM
fsr-3238	406	13	)	)	PUNCT
fsr-3238	406	14	139–155	139–155	NUM
fsr-3238	406	15	pirinsky	pirinsky	NOUN
fsr-3238	406	16	,	,	PUNCT
fsr-3238	406	17	c.	c.	PROPN
fsr-3238	406	18	(	(	PUNCT
fsr-3238	406	19	2013	2013	NUM
fsr-3238	406	20	)	)	PUNCT
fsr-3238	406	21	.	.	PUNCT
fsr-3238	407	1	confidence	confidence	NOUN
fsr-3238	407	2	and	and	CCONJ
fsr-3238	407	3	economic	economic	ADJ
fsr-3238	407	4	attitudes	attitude	NOUN
fsr-3238	407	5	.	.	PUNCT
fsr-3238	408	1	journal	journal	NOUN
fsr-3238	408	2	of	of	ADP
fsr-3238	408	3	economic	economic	ADJ
fsr-3238	408	4	behavior	behavior	NOUN
fsr-3238	408	5	&	&	CCONJ
fsr-3238	408	6	organization	organization	PROPN
fsr-3238	408	7	,	,	PUNCT
fsr-3238	408	8	91	91	NUM
fsr-3238	408	9	,	,	PUNCT
fsr-3238	408	10	139–158	139–158	NUM
fsr-3238	408	11	.	.	PUNCT
fsr-3238	409	1	ricciardi	ricciardi	NOUN
fsr-3238	409	2	,	,	PUNCT
fsr-3238	409	3	v.	v.	PROPN
fsr-3238	409	4	,	,	PUNCT
fsr-3238	409	5	&	&	CCONJ
fsr-3238	409	6	simon	simon	PROPN
fsr-3238	409	7	,	,	PUNCT
fsr-3238	409	8	h.	h.	PROPN
fsr-3238	409	9	k.	k.	PROPN
fsr-3238	409	10	(	(	PUNCT
fsr-3238	409	11	2000	2000	NUM
fsr-3238	409	12	)	)	PUNCT
fsr-3238	409	13	.	.	PUNCT
fsr-3238	410	1	what	what	PRON
fsr-3238	410	2	is	be	AUX
fsr-3238	410	3	behavioral	behavioral	ADJ
fsr-3238	410	4	finance	finance	NOUN
fsr-3238	410	5	?	?	PUNCT
fsr-3238	411	1	business	business	NOUN
fsr-3238	411	2	,	,	PUNCT
fsr-3238	411	3	education	education	NOUN
fsr-3238	411	4	&	&	CCONJ
fsr-3238	411	5	technology	technology	PROPN
fsr-3238	411	6	journal	journal	NOUN
fsr-3238	411	7	,	,	PUNCT
fsr-3238	411	8	2	2	NUM
fsr-3238	411	9	,	,	PUNCT
fsr-3238	411	10	1–9	1–9	PROPN
fsr-3238	411	11	.	.	PUNCT
fsr-3238	411	12	scholz	scholz	PROPN
fsr-3238	411	13	,	,	PUNCT
fsr-3238	411	14	j.	j.	PROPN
fsr-3238	411	15	,	,	PUNCT
fsr-3238	411	16	seshadri	seshadri	PROPN
fsr-3238	411	17	,	,	PUNCT
fsr-3238	411	18	a.	a.	NOUN
fsr-3238	411	19	,	,	PUNCT
fsr-3238	411	20	&	&	CCONJ
fsr-3238	411	21	khitatrakun	khitatrakun	PROPN
fsr-3238	411	22	,	,	PUNCT
fsr-3238	411	23	s.	s.	PROPN
fsr-3238	411	24	(	(	PUNCT
fsr-3238	411	25	2006	2006	NUM
fsr-3238	411	26	)	)	PUNCT
fsr-3238	411	27	.	.	PUNCT
fsr-3238	412	1	are	be	AUX
fsr-3238	412	2	americans	americans	PROPN
fsr-3238	412	3	saving	save	VERB
fsr-3238	412	4	“	"	PUNCT
fsr-3238	412	5	optimally	optimally	ADV
fsr-3238	412	6	”	"	PUNCT
fsr-3238	412	7	for	for	ADP
fsr-3238	412	8	retirement	retirement	NOUN
fsr-3238	412	9	?	?	PUNCT
fsr-3238	413	1	journal	journal	NOUN
fsr-3238	413	2	of	of	ADP
fsr-3238	413	3	political	political	ADJ
fsr-3238	413	4	economy	economy	NOUN
fsr-3238	413	5	,	,	PUNCT
fsr-3238	413	6	114	114	NUM
fsr-3238	413	7	,	,	PUNCT
fsr-3238	413	8	607–643	607–643	NUM
fsr-3238	413	9	.	.	PUNCT
fsr-3238	413	10	shefrin	shefrin	NOUN
fsr-3238	413	11	,	,	PUNCT
fsr-3238	413	12	h.	h.	PROPN
fsr-3238	413	13	m.	m.	PROPN
fsr-3238	413	14	,	,	PUNCT
fsr-3238	413	15	&	&	CCONJ
fsr-3238	413	16	thaler	thaler	PROPN
fsr-3238	413	17	,	,	PUNCT
fsr-3238	413	18	r.	r.	PROPN
fsr-3238	413	19	h.	h.	PROPN
fsr-3238	413	20	(	(	PUNCT
fsr-3238	413	21	1988	1988	NUM
fsr-3238	413	22	)	)	PUNCT
fsr-3238	413	23	.	.	PUNCT
fsr-3238	414	1	the	the	DET
fsr-3238	414	2	behavioral	behavioral	ADJ
fsr-3238	414	3	life	life	NOUN
fsr-3238	414	4	-	-	PUNCT
fsr-3238	414	5	cycle	cycle	NOUN
fsr-3238	414	6	hypothesis	hypothesis	NOUN
fsr-3238	414	7	.	.	PUNCT
fsr-3238	415	1	economic	economic	ADJ
fsr-3238	415	2	inquiry	inquiry	NOUN
fsr-3238	415	3	,	,	PUNCT
fsr-3238	415	4	26	26	NUM
fsr-3238	415	5	,	,	PUNCT
fsr-3238	415	6	609–643	609–643	NUM
fsr-3238	415	7	.	.	PUNCT
fsr-3238	416	1	social	social	ADJ
fsr-3238	416	2	security	security	NOUN
fsr-3238	416	3	administration	administration	NOUN
fsr-3238	416	4	.	.	PUNCT
fsr-3238	417	1	(	(	PUNCT
fsr-3238	417	2	2014	2014	NUM
fsr-3238	417	3	)	)	PUNCT
fsr-3238	417	4	.	.	PUNCT
fsr-3238	418	1	the	the	DET
fsr-3238	418	2	2014	2014	NUM
fsr-3238	418	3	annual	annual	ADJ
fsr-3238	418	4	report	report	NOUN
fsr-3238	418	5	of	of	ADP
fsr-3238	418	6	the	the	DET
fsr-3238	418	7	board	board	NOUN
fsr-3238	418	8	of	of	ADP
fsr-3238	418	9	trustees	trustee	NOUN
fsr-3238	418	10	of	of	ADP
fsr-3238	418	11	the	the	DET
fsr-3238	418	12	federal	federal	ADJ
fsr-3238	418	13	old	old	ADJ
fsr-3238	418	14	-	-	PUNCT
fsr-3238	418	15	age	age	NOUN
fsr-3238	418	16	and	and	CCONJ
fsr-3238	418	17	survivors	survivor	VERB
fsr-3238	418	18	insurance	insurance	NOUN
fsr-3238	418	19	and	and	CCONJ
fsr-3238	418	20	federal	federal	ADJ
fsr-3238	418	21	disability	disability	NOUN
fsr-3238	418	22	insurance	insurance	NOUN
fsr-3238	418	23	trust	trust	NOUN
fsr-3238	418	24	funds	fund	NOUN
fsr-3238	418	25	.	.	PUNCT
fsr-3238	419	1	(	(	PUNCT
fsr-3238	419	2	available	available	ADJ
fsr-3238	419	3	at	at	ADP
fsr-3238	419	4	http://www.ssa.gov/	http://www.ssa.gov/	ADJ
fsr-3238	419	5	oact	oact	NOUN
fsr-3238	419	6	/	/	SYM
fsr-3238	419	7	tr/2014	tr/2014	NOUN
fsr-3238	419	8	/	/	SYM
fsr-3238	419	9	tr2014.pdf	tr2014.pdf	NOUN
fsr-3238	419	10	)	)	PUNCT
fsr-3238	419	11	.	.	PUNCT
fsr-3238	420	1	stango	stango	PROPN
fsr-3238	420	2	,	,	PUNCT
fsr-3238	420	3	v.	v.	PROPN
fsr-3238	420	4	,	,	PUNCT
fsr-3238	420	5	&	&	CCONJ
fsr-3238	420	6	zinman	zinman	PROPN
fsr-3238	420	7	,	,	PUNCT
fsr-3238	420	8	j.	j.	PROPN
fsr-3238	420	9	(	(	PUNCT
fsr-3238	420	10	2009	2009	NUM
fsr-3238	420	11	)	)	PUNCT
fsr-3238	420	12	.	.	PUNCT
fsr-3238	421	1	exponential	exponential	ADJ
fsr-3238	421	2	growth	growth	NOUN
fsr-3238	421	3	bias	bias	NOUN
fsr-3238	421	4	and	and	CCONJ
fsr-3238	421	5	household	household	NOUN
fsr-3238	421	6	finance	finance	NOUN
fsr-3238	421	7	.	.	PUNCT
fsr-3238	422	1	the	the	DET
fsr-3238	422	2	journal	journal	PROPN
fsr-3238	422	3	of	of	ADP
fsr-3238	422	4	finance	finance	NOUN
fsr-3238	422	5	,	,	PUNCT
fsr-3238	422	6	64	64	NUM
fsr-3238	422	7	,	,	PUNCT
fsr-3238	422	8	2807–2849	2807–2849	NUM
fsr-3238	422	9	.	.	PUNCT
fsr-3238	422	10	u.	u.	PROPN
fsr-3238	422	11	s.	s.	PROPN
fsr-3238	422	12	department	department	PROPN
fsr-3238	422	13	of	of	ADP
fsr-3238	422	14	labor	labor	PROPN
fsr-3238	422	15	.	.	PUNCT
fsr-3238	423	1	(	(	PUNCT
fsr-3238	423	2	2012	2012	NUM
fsr-3238	423	3	)	)	PUNCT
fsr-3238	423	4	.	.	PUNCT
fsr-3238	424	1	consumer	consumer	NOUN
fsr-3238	424	2	expenditure	expenditure	NOUN
fsr-3238	424	3	report	report	NOUN
fsr-3238	424	4	:	:	PUNCT
fsr-3238	424	5	consumer	consumer	NOUN
fsr-3238	424	6	expenditures	expenditure	NOUN
fsr-3238	424	7	in	in	ADP
fsr-3238	424	8	2010	2010	NUM
fsr-3238	424	9	.	.	PUNCT
fsr-3238	425	1	(	(	PUNCT
fsr-3238	425	2	available	available	ADJ
fsr-3238	425	3	at	at	ADP
fsr-3238	425	4	http://www.bls.gov/cex/csxann10.pdf	http://www.bls.gov/cex/csxann10.pdf	PROPN
fsr-3238	425	5	)	)	PUNCT
fsr-3238	425	6	.	.	PUNCT
fsr-3238	426	1	yao	yao	PROPN
fsr-3238	426	2	,	,	PUNCT
fsr-3238	426	3	r.	r.	PROPN
fsr-3238	426	4	,	,	PUNCT
fsr-3238	426	5	gutter	gutter	NOUN
fsr-3238	426	6	,	,	PUNCT
fsr-3238	426	7	m.	m.	NOUN
fsr-3238	426	8	s.	s.	PROPN
fsr-3238	426	9	,	,	PUNCT
fsr-3238	426	10	&	&	CCONJ
fsr-3238	426	11	hanna	hanna	PROPN
fsr-3238	426	12	,	,	PUNCT
fsr-3238	426	13	s.	s.	PROPN
fsr-3238	426	14	d.	d.	PROPN
fsr-3238	426	15	(	(	PUNCT
fsr-3238	426	16	2005	2005	NUM
fsr-3238	426	17	)	)	PUNCT
fsr-3238	426	18	.	.	PUNCT
fsr-3238	427	1	the	the	DET
fsr-3238	427	2	financial	financial	ADJ
fsr-3238	427	3	risk	risk	NOUN
fsr-3238	427	4	tolerance	tolerance	NOUN
fsr-3238	427	5	of	of	ADP
fsr-3238	427	6	blacks	black	NOUN
fsr-3238	427	7	,	,	PUNCT
fsr-3238	427	8	hispanics	hispanic	NOUN
fsr-3238	427	9	and	and	CCONJ
fsr-3238	427	10	whites	white	NOUN
fsr-3238	427	11	.	.	PUNCT
fsr-3238	428	1	financial	financial	ADJ
fsr-3238	428	2	counseling	counseling	NOUN
fsr-3238	428	3	and	and	CCONJ
fsr-3238	428	4	planning	planning	NOUN
fsr-3238	428	5	,	,	PUNCT
fsr-3238	428	6	16	16	NUM
fsr-3238	428	7	,	,	PUNCT
fsr-3238	428	8	51–62	51–62	NUM
fsr-3238	428	9	.	.	PUNCT
fsr-3238	429	1	yuh	yuh	PROPN
fsr-3238	429	2	,	,	PUNCT
fsr-3238	429	3	y.	y.	PROPN
fsr-3238	429	4	(	(	PUNCT
fsr-3238	429	5	2011	2011	NUM
fsr-3238	429	6	)	)	PUNCT
fsr-3238	429	7	.	.	PUNCT
fsr-3238	430	1	assessing	assess	VERB
fsr-3238	430	2	adequacy	adequacy	NOUN
fsr-3238	430	3	of	of	ADP
fsr-3238	430	4	retirement	retirement	NOUN
fsr-3238	430	5	income	income	NOUN
fsr-3238	430	6	for	for	ADP
fsr-3238	430	7	us	we	PRON
fsr-3238	430	8	households	household	NOUN
fsr-3238	430	9	:	:	PUNCT
fsr-3238	430	10	a	a	DET
fsr-3238	430	11	replacement	replacement	NOUN
fsr-3238	430	12	ratio	ratio	NOUN
fsr-3238	430	13	approach	approach	NOUN
fsr-3238	430	14	.	.	PUNCT
fsr-3238	431	1	geneva	geneva	PROPN
fsr-3238	431	2	papers	paper	NOUN
fsr-3238	431	3	on	on	ADP
fsr-3238	431	4	risk	risk	NOUN
fsr-3238	431	5	and	and	CCONJ
fsr-3238	431	6	insurance	insurance	NOUN
fsr-3238	431	7	-	-	PUNCT
fsr-3238	431	8	issues	issue	NOUN
fsr-3238	431	9	and	and	CCONJ
fsr-3238	431	10	practice	practice	NOUN
fsr-3238	431	11	,	,	PUNCT
fsr-3238	431	12	36	36	NUM
fsr-3238	431	13	,	,	PUNCT
fsr-3238	431	14	304–323	304–323	NUM
fsr-3238	431	15	.	.	PUNCT
fsr-3238	432	1	yuh	yuh	PROPN
fsr-3238	432	2	,	,	PUNCT
fsr-3238	432	3	y.	y.	PROPN
fsr-3238	432	4	,	,	PUNCT
fsr-3238	432	5	hanna	hanna	PROPN
fsr-3238	432	6	,	,	PUNCT
fsr-3238	432	7	s.	s.	PROPN
fsr-3238	432	8	d.	d.	PROPN
fsr-3238	432	9	,	,	PUNCT
fsr-3238	432	10	&	&	CCONJ
fsr-3238	432	11	montalto	montalto	PROPN
fsr-3238	432	12	,	,	PUNCT
fsr-3238	432	13	c.	c.	PROPN
fsr-3238	432	14	p.	p.	PROPN
fsr-3238	432	15	(	(	PUNCT
fsr-3238	432	16	1998	1998	NUM
fsr-3238	432	17	)	)	PUNCT
fsr-3238	432	18	.	.	PUNCT
fsr-3238	433	1	mean	mean	VERB
fsr-3238	433	2	and	and	CCONJ
fsr-3238	433	3	pessimistic	pessimistic	ADJ
fsr-3238	433	4	projections	projection	NOUN
fsr-3238	433	5	of	of	ADP
fsr-3238	433	6	retirement	retirement	NOUN
fsr-3238	433	7	adequacy	adequacy	NOUN
fsr-3238	433	8	.	.	PUNCT
fsr-3238	434	1	financial	financial	ADJ
fsr-3238	434	2	services	service	NOUN
fsr-3238	434	3	review	review	NOUN
fsr-3238	434	4	,	,	PUNCT
fsr-3238	434	5	9	9	NUM
fsr-3238	434	6	,	,	PUNCT
fsr-3238	434	7	175–193	175–193	NUM
fsr-3238	434	8	.	.	PUNCT
fsr-3238	435	1	155k.t	155k.t	NUM
fsr-3238	435	2	.	.	PUNCT
fsr-3238	436	1	kim	kim	PROPN
fsr-3238	436	2	,	,	PUNCT
fsr-3238	436	3	s.d	s.d	PROPN
fsr-3238	436	4	.	.	PROPN
fsr-3238	436	5	hanna	hanna	PROPN
fsr-3238	436	6	/	/	SYM
fsr-3238	436	7	financial	financial	ADJ
fsr-3238	436	8	services	service	NOUN
fsr-3238	436	9	review	review	VERB
fsr-3238	436	10	24	24	NUM
fsr-3238	436	11	(	(	PUNCT
fsr-3238	436	12	2015	2015	NUM
fsr-3238	436	13	)	)	PUNCT
fsr-3238	436	14	139–155	139–155	NUM