id	sid	tid	token	lemma	pos
fsr-3279	1	1	household	household	NOUN
fsr-3279	1	2	ratio	ratio	NOUN
fsr-3279	1	3	guidelines	guideline	NOUN
fsr-3279	1	4	for	for	ADP
fsr-3279	1	5	the	the	DET
fsr-3279	1	6	amount	amount	NOUN
fsr-3279	1	7	of	of	ADP
fsr-3279	1	8	investments	investment	NOUN
fsr-3279	1	9	sherman	sherman	PROPN
fsr-3279	1	10	d.	d.	PROPN
fsr-3279	1	11	hanna	hanna	PROPN
fsr-3279	1	12	,	,	PUNCT
fsr-3279	1	13	a	a	DET
fsr-3279	1	14	,	,	PUNCT
fsr-3279	1	15	*	*	PUNCT
fsr-3279	1	16	kyoung	kyoung	PROPN
fsr-3279	1	17	tae	tae	PROPN
fsr-3279	1	18	kimb	kimb	PROPN
fsr-3279	1	19	adepartment	adepartment	NOUN
fsr-3279	1	20	of	of	ADP
fsr-3279	1	21	human	human	ADJ
fsr-3279	1	22	sciences	sciences	PROPN
fsr-3279	1	23	,	,	PUNCT
fsr-3279	1	24	ohio	ohio	PROPN
fsr-3279	1	25	state	state	PROPN
fsr-3279	1	26	university	university	PROPN
fsr-3279	1	27	,	,	PUNCT
fsr-3279	1	28	1787	1787	NUM
fsr-3279	1	29	neil	neil	PROPN
fsr-3279	1	30	avenue	avenue	PROPN
fsr-3279	1	31	,	,	PUNCT
fsr-3279	1	32	columbus	columbus	PROPN
fsr-3279	1	33	,	,	PUNCT
fsr-3279	1	34	oh	oh	NUM
fsr-3279	1	35	43210	43210	NUM
fsr-3279	1	36	,	,	PUNCT
fsr-3279	1	37	usa	usa	PROPN
fsr-3279	1	38	bdepartment	bdepartment	PROPN
fsr-3279	1	39	of	of	ADP
fsr-3279	1	40	consumer	consumer	NOUN
fsr-3279	1	41	sciences	science	NOUN
fsr-3279	1	42	,	,	PUNCT
fsr-3279	1	43	university	university	NOUN
fsr-3279	1	44	of	of	ADP
fsr-3279	1	45	alabama	alabama	PROPN
fsr-3279	1	46	,	,	PUNCT
fsr-3279	1	47	312	312	NUM
fsr-3279	1	48	adams	adams	PROPN
fsr-3279	1	49	hall	hall	PROPN
fsr-3279	1	50	,	,	PUNCT
fsr-3279	1	51	box	box	PROPN
fsr-3279	1	52	870158	870158	NUM
fsr-3279	1	53	,	,	PUNCT
fsr-3279	1	54	tuscaloosa	tuscaloosa	PROPN
fsr-3279	1	55	,	,	PUNCT
fsr-3279	1	56	al	al	PROPN
fsr-3279	1	57	35487	35487	NUM
fsr-3279	1	58	,	,	PUNCT
fsr-3279	1	59	usa	usa	PROPN
fsr-3279	1	60	abstract	abstract	PROPN
fsr-3279	1	61	some	some	DET
fsr-3279	1	62	textbooks	textbook	NOUN
fsr-3279	1	63	suggest	suggest	VERB
fsr-3279	1	64	using	use	VERB
fsr-3279	1	65	financial	financial	ADJ
fsr-3279	1	66	ratios	ratio	NOUN
fsr-3279	1	67	to	to	PART
fsr-3279	1	68	provide	provide	VERB
fsr-3279	1	69	simple	simple	ADJ
fsr-3279	1	70	indicators	indicator	NOUN
fsr-3279	1	71	of	of	ADP
fsr-3279	1	72	whether	whether	SCONJ
fsr-3279	1	73	households	household	NOUN
fsr-3279	1	74	are	be	AUX
fsr-3279	1	75	making	make	VERB
fsr-3279	1	76	appropriate	appropriate	ADJ
fsr-3279	1	77	financial	financial	ADJ
fsr-3279	1	78	decisions	decision	NOUN
fsr-3279	1	79	.	.	PUNCT
fsr-3279	2	1	we	we	PRON
fsr-3279	2	2	investigate	investigate	VERB
fsr-3279	2	3	three	three	NUM
fsr-3279	2	4	investment	investment	NOUN
fsr-3279	2	5	ratios	ratio	NOUN
fsr-3279	2	6	mentioned	mention	VERB
fsr-3279	2	7	in	in	ADP
fsr-3279	2	8	textbooks	textbook	NOUN
fsr-3279	2	9	:	:	PUNCT
fsr-3279	2	10	investments	investment	NOUN
fsr-3279	2	11	to	to	PART
fsr-3279	2	12	net	net	VERB
fsr-3279	2	13	worth	worth	NOUN
fsr-3279	2	14	,	,	PUNCT
fsr-3279	2	15	investments	investment	NOUN
fsr-3279	2	16	to	to	ADP
fsr-3279	2	17	annual	annual	ADJ
fsr-3279	2	18	income	income	NOUN
fsr-3279	2	19	,	,	PUNCT
fsr-3279	2	20	and	and	CCONJ
fsr-3279	2	21	investments	investment	NOUN
fsr-3279	2	22	to	to	PART
fsr-3279	2	23	total	total	ADJ
fsr-3279	2	24	assets	asset	NOUN
fsr-3279	2	25	.	.	PUNCT
fsr-3279	3	1	we	we	PRON
fsr-3279	3	2	conduct	conduct	VERB
fsr-3279	3	3	regressions	regression	NOUN
fsr-3279	3	4	on	on	ADP
fsr-3279	3	5	respondent	respondent	ADJ
fsr-3279	3	6	evaluation	evaluation	NOUN
fsr-3279	3	7	of	of	ADP
fsr-3279	3	8	the	the	DET
fsr-3279	3	9	adequacy	adequacy	NOUN
fsr-3279	3	10	of	of	ADP
fsr-3279	3	11	retirement	retirement	NOUN
fsr-3279	3	12	income	income	NOUN
fsr-3279	3	13	,	,	PUNCT
fsr-3279	3	14	among	among	ADP
fsr-3279	3	15	households	household	NOUN
fsr-3279	3	16	with	with	ADP
fsr-3279	3	17	a	a	DET
fsr-3279	3	18	non	non	ADJ
fsr-3279	3	19	-	-	ADJ
fsr-3279	3	20	retired	retired	ADJ
fsr-3279	3	21	head	head	NOUN
fsr-3279	3	22	in	in	ADP
fsr-3279	3	23	the	the	DET
fsr-3279	3	24	2013	2013	NUM
fsr-3279	3	25	survey	survey	NOUN
fsr-3279	3	26	of	of	ADP
fsr-3279	3	27	consumer	consumer	NOUN
fsr-3279	3	28	finances	finance	NOUN
fsr-3279	3	29	.	.	PUNCT
fsr-3279	4	1	the	the	DET
fsr-3279	4	2	investments	investment	NOUN
fsr-3279	4	3	to	to	PART
fsr-3279	4	4	total	total	VERB
fsr-3279	4	5	assets	asset	NOUN
fsr-3279	4	6	ratio	ratio	NOUN
fsr-3279	4	7	has	have	VERB
fsr-3279	4	8	the	the	DET
fsr-3279	4	9	strongest	strong	ADJ
fsr-3279	4	10	relationship	relationship	NOUN
fsr-3279	4	11	to	to	ADP
fsr-3279	4	12	adequacy	adequacy	NOUN
fsr-3279	4	13	,	,	PUNCT
fsr-3279	4	14	controlling	control	VERB
fsr-3279	4	15	for	for	ADP
fsr-3279	4	16	selected	select	VERB
fsr-3279	4	17	household	household	NOUN
fsr-3279	4	18	characteristics	characteristic	NOUN
fsr-3279	4	19	.	.	PUNCT
fsr-3279	5	1	the	the	DET
fsr-3279	5	2	investments	investment	NOUN
fsr-3279	5	3	to	to	PART
fsr-3279	5	4	net	net	VERB
fsr-3279	5	5	worth	worth	ADJ
fsr-3279	5	6	ratio	ratio	NOUN
fsr-3279	5	7	(	(	PUNCT
fsr-3279	5	8	capital	capital	NOUN
fsr-3279	5	9	accumulation	accumulation	NOUN
fsr-3279	5	10	ratio	ratio	NOUN
fsr-3279	5	11	)	)	PUNCT
fsr-3279	5	12	is	be	AUX
fsr-3279	5	13	inferior	inferior	ADJ
fsr-3279	5	14	to	to	ADP
fsr-3279	5	15	the	the	DET
fsr-3279	5	16	other	other	ADJ
fsr-3279	5	17	two	two	NUM
fsr-3279	5	18	ratios	ratio	NOUN
fsr-3279	5	19	.	.	PUNCT
fsr-3279	6	1	©	©	PROPN
fsr-3279	6	2	2016	2016	NUM
fsr-3279	6	3	academy	academy	NOUN
fsr-3279	6	4	of	of	ADP
fsr-3279	6	5	financial	financial	ADJ
fsr-3279	6	6	services	service	NOUN
fsr-3279	6	7	.	.	PUNCT
fsr-3279	7	1	all	all	DET
fsr-3279	7	2	rights	right	NOUN
fsr-3279	7	3	reserved	reserve	VERB
fsr-3279	7	4	.	.	PUNCT
fsr-3279	8	1	jel	jel	PROPN
fsr-3279	8	2	classification	classification	NOUN
fsr-3279	8	3	:	:	PUNCT
fsr-3279	8	4	d14	d14	ADJ
fsr-3279	8	5	;	;	PUNCT
fsr-3279	8	6	d91	d91	NOUN
fsr-3279	8	7	;	;	PUNCT
fsr-3279	8	8	g11	g11	X
fsr-3279	8	9	;	;	PUNCT
fsr-3279	8	10	j26	j26	ADJ
fsr-3279	8	11	keywords	keyword	NOUN
fsr-3279	8	12	:	:	PUNCT
fsr-3279	8	13	capital	capital	NOUN
fsr-3279	8	14	accumulation	accumulation	NOUN
fsr-3279	8	15	ratio	ratio	NOUN
fsr-3279	8	16	;	;	PUNCT
fsr-3279	8	17	financial	financial	ADJ
fsr-3279	8	18	ratios	ratio	NOUN
fsr-3279	8	19	;	;	PUNCT
fsr-3279	8	20	investing	investing	NOUN
fsr-3279	8	21	;	;	PUNCT
fsr-3279	8	22	lifecycle	lifecycle	NOUN
fsr-3279	8	23	theory	theory	NOUN
fsr-3279	8	24	of	of	ADP
fsr-3279	8	25	savings	saving	NOUN
fsr-3279	8	26	;	;	PUNCT
fsr-3279	8	27	survey	survey	NOUN
fsr-3279	8	28	of	of	ADP
fsr-3279	8	29	consumer	consumer	NOUN
fsr-3279	8	30	finances	finance	NOUN
fsr-3279	8	31	1	1	NUM
fsr-3279	8	32	.	.	PUNCT
fsr-3279	8	33	introduction	introduction	NOUN
fsr-3279	8	34	1.1	1.1	NUM
fsr-3279	8	35	.	.	PUNCT
fsr-3279	9	1	background	background	NOUN
fsr-3279	9	2	household	household	NOUN
fsr-3279	9	3	financial	financial	ADJ
fsr-3279	9	4	ratios	ratio	NOUN
fsr-3279	9	5	are	be	AUX
fsr-3279	9	6	used	use	VERB
fsr-3279	9	7	to	to	PART
fsr-3279	9	8	help	help	VERB
fsr-3279	9	9	provide	provide	VERB
fsr-3279	9	10	simple	simple	ADJ
fsr-3279	9	11	rules	rule	NOUN
fsr-3279	9	12	for	for	ADP
fsr-3279	9	13	financial	financial	ADJ
fsr-3279	9	14	decisions	decision	NOUN
fsr-3279	9	15	,	,	PUNCT
fsr-3279	9	16	because	because	SCONJ
fsr-3279	9	17	many	many	ADJ
fsr-3279	9	18	households	household	NOUN
fsr-3279	9	19	have	have	VERB
fsr-3279	9	20	trouble	trouble	NOUN
fsr-3279	9	21	with	with	ADP
fsr-3279	9	22	more	more	ADJ
fsr-3279	9	23	complex	complex	ADJ
fsr-3279	9	24	analyses	analysis	NOUN
fsr-3279	9	25	(	(	PUNCT
fsr-3279	9	26	greninger	greninger	NOUN
fsr-3279	9	27	,	,	PUNCT
fsr-3279	9	28	hampton	hampton	PROPN
fsr-3279	9	29	,	,	PUNCT
fsr-3279	9	30	kitt	kitt	PROPN
fsr-3279	9	31	,	,	PUNCT
fsr-3279	9	32	and	and	CCONJ
fsr-3279	9	33	achacoso	achacoso	NOUN
fsr-3279	9	34	,	,	PUNCT
fsr-3279	9	35	1996	1996	NUM
fsr-3279	9	36	;	;	PUNCT
fsr-3279	9	37	harness	harness	NOUN
fsr-3279	9	38	,	,	PUNCT
fsr-3279	9	39	chatterjee	chatterjee	NOUN
fsr-3279	9	40	,	,	PUNCT
fsr-3279	9	41	and	and	CCONJ
fsr-3279	9	42	finke	finke	PROPN
fsr-3279	9	43	,	,	PUNCT
fsr-3279	9	44	2008	2008	NUM
fsr-3279	9	45	)	)	PUNCT
fsr-3279	9	46	.	.	PUNCT
fsr-3279	10	1	financial	financial	ADJ
fsr-3279	10	2	ratio	ratio	NOUN
fsr-3279	10	3	guidelines	guideline	NOUN
fsr-3279	10	4	are	be	AUX
fsr-3279	10	5	intended	intend	VERB
fsr-3279	10	6	to	to	PART
fsr-3279	10	7	provide	provide	VERB
fsr-3279	10	8	easily	easily	ADV
fsr-3279	10	9	understandable	understandable	ADJ
fsr-3279	10	10	rules	rule	NOUN
fsr-3279	10	11	,	,	PUNCT
fsr-3279	10	12	without	without	ADP
fsr-3279	10	13	necessarily	necessarily	ADV
fsr-3279	10	14	allowing	allow	VERB
fsr-3279	10	15	for	for	ADP
fsr-3279	10	16	indi	indi	PROPN
fsr-3279	10	17	*	*	PUNCT
fsr-3279	10	18	corresponding	correspond	VERB
fsr-3279	10	19	author	author	NOUN
fsr-3279	10	20	.	.	PUNCT
fsr-3279	11	1	tel	tel	PROPN
fsr-3279	11	2	.	.	PUNCT
fsr-3279	11	3	:	:	PUNCT
fsr-3279	11	4	�	�	PROPN
fsr-3279	11	5	1	1	NUM
fsr-3279	11	6	-	-	SYM
fsr-3279	11	7	614	614	NUM
fsr-3279	11	8	-	-	PUNCT
fsr-3279	11	9	292	292	NUM
fsr-3279	11	10	-	-	PUNCT
fsr-3279	11	11	4584	4584	NUM
fsr-3279	11	12	;	;	PUNCT
fsr-3279	11	13	fax	fax	NOUN
fsr-3279	11	14	:	:	PUNCT
fsr-3279	11	15	�	�	PROPN
fsr-3279	11	16	1	1	NUM
fsr-3279	11	17	-	-	SYM
fsr-3279	11	18	614	614	NUM
fsr-3279	11	19	-	-	PUNCT
fsr-3279	11	20	292	292	NUM
fsr-3279	11	21	-	-	NUM
fsr-3279	11	22	4339	4339	NUM
fsr-3279	11	23	.	.	PUNCT
fsr-3279	12	1	e	e	X
fsr-3279	12	2	-	-	NOUN
fsr-3279	12	3	mail	mail	NOUN
fsr-3279	12	4	address	address	NOUN
fsr-3279	12	5	:	:	PUNCT
fsr-3279	12	6	hanna.1@osu.edu	hanna.1@osu.edu	PROPN
fsr-3279	12	7	(	(	PUNCT
fsr-3279	12	8	s.d	s.d	PROPN
fsr-3279	12	9	.	.	PROPN
fsr-3279	12	10	hanna	hanna	PROPN
fsr-3279	12	11	)	)	PUNCT
fsr-3279	12	12	financial	financial	ADJ
fsr-3279	12	13	services	service	NOUN
fsr-3279	12	14	review	review	VERB
fsr-3279	12	15	25	25	NUM
fsr-3279	12	16	(	(	PUNCT
fsr-3279	12	17	2016	2016	NUM
fsr-3279	12	18	)	)	PUNCT
fsr-3279	13	1	263–277	263–277	NUM
fsr-3279	13	2	1057	1057	NUM
fsr-3279	13	3	-	-	SYM
fsr-3279	13	4	0810/16/$	0810/16/$	ADV
fsr-3279	13	5	–	–	PUNCT
fsr-3279	13	6	see	see	VERB
fsr-3279	13	7	front	front	ADJ
fsr-3279	13	8	matter	matter	NOUN
fsr-3279	13	9	©	©	PROPN
fsr-3279	13	10	2016	2016	NUM
fsr-3279	13	11	academy	academy	NOUN
fsr-3279	13	12	of	of	ADP
fsr-3279	13	13	financial	financial	ADJ
fsr-3279	13	14	services	service	NOUN
fsr-3279	13	15	.	.	PUNCT
fsr-3279	14	1	all	all	DET
fsr-3279	14	2	rights	right	NOUN
fsr-3279	14	3	reserved	reserve	VERB
fsr-3279	14	4	.	.	PUNCT
fsr-3279	15	1	vidual	vidual	ADJ
fsr-3279	15	2	circumstances	circumstance	NOUN
fsr-3279	15	3	.	.	PUNCT
fsr-3279	16	1	for	for	ADP
fsr-3279	16	2	instance	instance	NOUN
fsr-3279	16	3	,	,	PUNCT
fsr-3279	16	4	the	the	DET
fsr-3279	16	5	guideline	guideline	NOUN
fsr-3279	16	6	of	of	ADP
fsr-3279	16	7	saving	save	VERB
fsr-3279	16	8	10	10	NUM
fsr-3279	16	9	%	%	NOUN
fsr-3279	16	10	of	of	ADP
fsr-3279	16	11	income	income	NOUN
fsr-3279	16	12	is	be	AUX
fsr-3279	16	13	widely	widely	ADV
fsr-3279	16	14	accepted	accept	VERB
fsr-3279	16	15	by	by	ADP
fsr-3279	16	16	financial	financial	ADJ
fsr-3279	16	17	experts	expert	NOUN
fsr-3279	16	18	(	(	PUNCT
fsr-3279	16	19	greninger	greninger	NOUN
fsr-3279	16	20	et	et	NOUN
fsr-3279	16	21	al	al	PROPN
fsr-3279	16	22	.	.	PROPN
fsr-3279	16	23	,	,	PUNCT
fsr-3279	16	24	1996	1996	NUM
fsr-3279	16	25	)	)	PUNCT
fsr-3279	16	26	,	,	PUNCT
fsr-3279	16	27	and	and	CCONJ
fsr-3279	16	28	may	may	AUX
fsr-3279	16	29	provide	provide	VERB
fsr-3279	16	30	a	a	DET
fsr-3279	16	31	starting	starting	NOUN
fsr-3279	16	32	point	point	NOUN
fsr-3279	16	33	for	for	ADP
fsr-3279	16	34	discussion	discussion	NOUN
fsr-3279	16	35	between	between	ADP
fsr-3279	16	36	financial	financial	ADJ
fsr-3279	16	37	advisers	adviser	NOUN
fsr-3279	16	38	and	and	CCONJ
fsr-3279	16	39	clients	client	NOUN
fsr-3279	16	40	,	,	PUNCT
fsr-3279	16	41	but	but	CCONJ
fsr-3279	16	42	it	it	PRON
fsr-3279	16	43	is	be	AUX
fsr-3279	16	44	clearly	clearly	ADV
fsr-3279	16	45	not	not	PART
fsr-3279	16	46	justified	justify	VERB
fsr-3279	16	47	in	in	ADP
fsr-3279	16	48	terms	term	NOUN
fsr-3279	16	49	of	of	ADP
fsr-3279	16	50	the	the	DET
fsr-3279	16	51	normative	normative	ADJ
fsr-3279	16	52	life	life	NOUN
fsr-3279	16	53	cycle	cycle	NOUN
fsr-3279	16	54	model	model	NOUN
fsr-3279	16	55	(	(	PUNCT
fsr-3279	16	56	hanna	hanna	PROPN
fsr-3279	16	57	,	,	PUNCT
fsr-3279	16	58	fan	fan	PROPN
fsr-3279	16	59	,	,	PUNCT
fsr-3279	16	60	and	and	CCONJ
fsr-3279	16	61	chang	chang	PROPN
fsr-3279	16	62	,	,	PUNCT
fsr-3279	16	63	1995	1995	NUM
fsr-3279	16	64	)	)	PUNCT
fsr-3279	16	65	,	,	PUNCT
fsr-3279	16	66	as	as	SCONJ
fsr-3279	16	67	most	most	ADJ
fsr-3279	16	68	households	household	NOUN
fsr-3279	16	69	should	should	AUX
fsr-3279	16	70	not	not	PART
fsr-3279	16	71	save	save	VERB
fsr-3279	16	72	in	in	ADP
fsr-3279	16	73	years	year	NOUN
fsr-3279	16	74	when	when	SCONJ
fsr-3279	16	75	income	income	NOUN
fsr-3279	16	76	is	be	AUX
fsr-3279	16	77	far	far	ADV
fsr-3279	16	78	below	below	ADP
fsr-3279	16	79	normal	normal	ADJ
fsr-3279	16	80	,	,	PUNCT
fsr-3279	16	81	and	and	CCONJ
fsr-3279	16	82	perhaps	perhaps	ADV
fsr-3279	16	83	should	should	AUX
fsr-3279	16	84	save	save	VERB
fsr-3279	16	85	much	much	ADV
fsr-3279	16	86	more	more	ADJ
fsr-3279	16	87	than	than	ADP
fsr-3279	16	88	10	10	NUM
fsr-3279	16	89	%	%	NOUN
fsr-3279	16	90	in	in	ADP
fsr-3279	16	91	some	some	DET
fsr-3279	16	92	situations	situation	NOUN
fsr-3279	16	93	.	.	PUNCT
fsr-3279	17	1	however	however	ADV
fsr-3279	17	2	,	,	PUNCT
fsr-3279	17	3	as	as	ADP
fsr-3279	17	4	a	a	DET
fsr-3279	17	5	simple	simple	ADJ
fsr-3279	17	6	educational	educational	ADJ
fsr-3279	17	7	device	device	NOUN
fsr-3279	17	8	,	,	PUNCT
fsr-3279	17	9	financial	financial	ADJ
fsr-3279	17	10	ratio	ratio	NOUN
fsr-3279	17	11	guidelines	guideline	NOUN
fsr-3279	17	12	may	may	AUX
fsr-3279	17	13	be	be	AUX
fsr-3279	17	14	useful	useful	ADJ
fsr-3279	17	15	for	for	ADP
fsr-3279	17	16	educators	educator	NOUN
fsr-3279	17	17	and	and	CCONJ
fsr-3279	17	18	advisers	adviser	NOUN
fsr-3279	17	19	.	.	PUNCT
fsr-3279	18	1	one	one	NUM
fsr-3279	18	2	topic	topic	NOUN
fsr-3279	18	3	covered	cover	VERB
fsr-3279	18	4	by	by	ADP
fsr-3279	18	5	a	a	DET
fsr-3279	18	6	few	few	ADJ
fsr-3279	18	7	proposed	propose	VERB
fsr-3279	18	8	ratio	ratio	NOUN
fsr-3279	18	9	guidelines	guideline	NOUN
fsr-3279	18	10	is	be	AUX
fsr-3279	18	11	the	the	DET
fsr-3279	18	12	appropriate	appropriate	ADJ
fsr-3279	18	13	amount	amount	NOUN
fsr-3279	18	14	of	of	ADP
fsr-3279	18	15	investments	investment	NOUN
fsr-3279	18	16	that	that	PRON
fsr-3279	18	17	should	should	AUX
fsr-3279	18	18	be	be	AUX
fsr-3279	18	19	held	hold	VERB
fsr-3279	18	20	by	by	ADP
fsr-3279	18	21	households	household	NOUN
fsr-3279	18	22	.	.	PUNCT
fsr-3279	19	1	the	the	DET
fsr-3279	19	2	investment	investment	NOUN
fsr-3279	19	3	ratios	ratio	NOUN
fsr-3279	19	4	we	we	PRON
fsr-3279	19	5	examine	examine	VERB
fsr-3279	19	6	are	be	AUX
fsr-3279	19	7	related	relate	VERB
fsr-3279	19	8	to	to	ADP
fsr-3279	19	9	retirement	retirement	NOUN
fsr-3279	19	10	adequacy	adequacy	NOUN
fsr-3279	19	11	.	.	PUNCT
fsr-3279	20	1	a	a	DET
fsr-3279	20	2	complete	complete	ADJ
fsr-3279	20	3	assessment	assessment	NOUN
fsr-3279	20	4	of	of	ADP
fsr-3279	20	5	retirement	retirement	NOUN
fsr-3279	20	6	adequacy	adequacy	NOUN
fsr-3279	20	7	is	be	AUX
fsr-3279	20	8	complex	complex	ADJ
fsr-3279	20	9	,	,	PUNCT
fsr-3279	20	10	and	and	CCONJ
fsr-3279	20	11	involves	involve	VERB
fsr-3279	20	12	many	many	ADJ
fsr-3279	20	13	assumptions	assumption	NOUN
fsr-3279	20	14	(	(	PUNCT
fsr-3279	20	15	greninger	greninger	NOUN
fsr-3279	20	16	,	,	PUNCT
fsr-3279	20	17	hampton	hampton	PROPN
fsr-3279	20	18	,	,	PUNCT
fsr-3279	20	19	kitt	kitt	PROPN
fsr-3279	20	20	,	,	PUNCT
fsr-3279	20	21	and	and	CCONJ
fsr-3279	20	22	achacoso	achacoso	NOUN
fsr-3279	20	23	,	,	PUNCT
fsr-3279	20	24	2000	2000	NUM
fsr-3279	20	25	)	)	PUNCT
fsr-3279	20	26	.	.	PUNCT
fsr-3279	21	1	survey	survey	NOUN
fsr-3279	21	2	analyses	analysis	NOUN
fsr-3279	21	3	of	of	ADP
fsr-3279	21	4	retirement	retirement	NOUN
fsr-3279	21	5	adequacy	adequacy	NOUN
fsr-3279	21	6	involve	involve	VERB
fsr-3279	21	7	careful	careful	ADJ
fsr-3279	21	8	identification	identification	NOUN
fsr-3279	21	9	of	of	ADP
fsr-3279	21	10	the	the	DET
fsr-3279	21	11	size	size	NOUN
fsr-3279	21	12	and	and	CCONJ
fsr-3279	21	13	composition	composition	NOUN
fsr-3279	21	14	of	of	ADP
fsr-3279	21	15	retirement	retirement	NOUN
fsr-3279	21	16	investments	investment	NOUN
fsr-3279	21	17	,	,	PUNCT
fsr-3279	21	18	expected	expect	VERB
fsr-3279	21	19	retirement	retirement	NOUN
fsr-3279	21	20	age	age	NOUN
fsr-3279	21	21	,	,	PUNCT
fsr-3279	21	22	and	and	CCONJ
fsr-3279	21	23	projection	projection	NOUN
fsr-3279	21	24	of	of	ADP
fsr-3279	21	25	the	the	DET
fsr-3279	21	26	levels	level	NOUN
fsr-3279	21	27	of	of	ADP
fsr-3279	21	28	social	social	ADJ
fsr-3279	21	29	security	security	NOUN
fsr-3279	21	30	and	and	CCONJ
fsr-3279	21	31	any	any	DET
fsr-3279	21	32	other	other	ADJ
fsr-3279	21	33	pensions	pension	NOUN
fsr-3279	21	34	(	(	PUNCT
fsr-3279	21	35	kim	kim	PROPN
fsr-3279	21	36	and	and	CCONJ
fsr-3279	21	37	hanna	hanna	PROPN
fsr-3279	21	38	,	,	PUNCT
fsr-3279	21	39	2015	2015	NUM
fsr-3279	21	40	;	;	PUNCT
fsr-3279	21	41	yuh	yuh	PROPN
fsr-3279	21	42	,	,	PUNCT
fsr-3279	21	43	hanna	hanna	PROPN
fsr-3279	21	44	,	,	PUNCT
fsr-3279	21	45	and	and	CCONJ
fsr-3279	21	46	montalto	montalto	PROPN
fsr-3279	21	47	,	,	PUNCT
fsr-3279	21	48	1998	1998	NUM
fsr-3279	21	49	)	)	PUNCT
fsr-3279	21	50	.	.	PUNCT
fsr-3279	22	1	for	for	ADP
fsr-3279	22	2	many	many	ADJ
fsr-3279	22	3	households	household	NOUN
fsr-3279	22	4	,	,	PUNCT
fsr-3279	22	5	having	have	VERB
fsr-3279	22	6	multiple	multiple	ADJ
fsr-3279	22	7	retirement	retirement	NOUN
fsr-3279	22	8	income	income	NOUN
fsr-3279	22	9	stages	stage	NOUN
fsr-3279	22	10	can	can	AUX
fsr-3279	22	11	further	far	ADV
fsr-3279	22	12	complicate	complicate	VERB
fsr-3279	22	13	the	the	DET
fsr-3279	22	14	analysis	analysis	NOUN
fsr-3279	22	15	of	of	ADP
fsr-3279	22	16	retirement	retirement	NOUN
fsr-3279	22	17	adequacy	adequacy	NOUN
fsr-3279	22	18	(	(	PUNCT
fsr-3279	22	19	kim	kim	PROPN
fsr-3279	22	20	,	,	PUNCT
fsr-3279	22	21	hanna	hanna	PROPN
fsr-3279	22	22	,	,	PUNCT
fsr-3279	22	23	and	and	CCONJ
fsr-3279	22	24	chen	chen	PROPN
fsr-3279	22	25	,	,	PUNCT
fsr-3279	22	26	2014	2014	NUM
fsr-3279	22	27	)	)	PUNCT
fsr-3279	22	28	.	.	PUNCT
fsr-3279	23	1	investment	investment	NOUN
fsr-3279	23	2	ratios	ratio	NOUN
fsr-3279	23	3	can	can	AUX
fsr-3279	23	4	potentially	potentially	ADV
fsr-3279	23	5	provide	provide	VERB
fsr-3279	23	6	a	a	DET
fsr-3279	23	7	quick	quick	ADJ
fsr-3279	23	8	assessment	assessment	NOUN
fsr-3279	23	9	of	of	ADP
fsr-3279	23	10	whether	whether	SCONJ
fsr-3279	23	11	a	a	DET
fsr-3279	23	12	household	household	NOUN
fsr-3279	23	13	is	be	AUX
fsr-3279	23	14	on	on	ADP
fsr-3279	23	15	track	track	NOUN
fsr-3279	23	16	to	to	ADP
fsr-3279	23	17	an	an	DET
fsr-3279	23	18	adequate	adequate	ADJ
fsr-3279	23	19	retirement	retirement	NOUN
fsr-3279	23	20	.	.	PUNCT
fsr-3279	24	1	guidelines	guideline	NOUN
fsr-3279	24	2	related	relate	VERB
fsr-3279	24	3	to	to	ADP
fsr-3279	24	4	the	the	DET
fsr-3279	24	5	amount	amount	NOUN
fsr-3279	24	6	of	of	ADP
fsr-3279	24	7	investments	investment	NOUN
fsr-3279	24	8	ignore	ignore	VERB
fsr-3279	24	9	the	the	DET
fsr-3279	24	10	role	role	NOUN
fsr-3279	24	11	of	of	ADP
fsr-3279	24	12	home	home	NOUN
fsr-3279	24	13	equity	equity	NOUN
fsr-3279	24	14	in	in	ADP
fsr-3279	24	15	the	the	DET
fsr-3279	24	16	overall	overall	ADJ
fsr-3279	24	17	household	household	NOUN
fsr-3279	24	18	portfolio	portfolio	NOUN
fsr-3279	24	19	(	(	PUNCT
fsr-3279	24	20	cheung	cheung	PROPN
fsr-3279	24	21	and	and	CCONJ
fsr-3279	24	22	miu	miu	PROPN
fsr-3279	24	23	,	,	PUNCT
fsr-3279	24	24	2015	2015	NUM
fsr-3279	24	25	)	)	PUNCT
fsr-3279	24	26	and	and	CCONJ
fsr-3279	24	27	make	make	VERB
fsr-3279	24	28	many	many	ADJ
fsr-3279	24	29	other	other	ADJ
fsr-3279	24	30	simplistic	simplistic	ADJ
fsr-3279	24	31	assumptions	assumption	NOUN
fsr-3279	24	32	.	.	PUNCT
fsr-3279	25	1	the	the	DET
fsr-3279	25	2	most	most	ADV
fsr-3279	25	3	frequently	frequently	ADV
fsr-3279	25	4	mentioned	mention	VERB
fsr-3279	25	5	investment	investment	NOUN
fsr-3279	25	6	ratio	ratio	NOUN
fsr-3279	25	7	is	be	AUX
fsr-3279	25	8	the	the	DET
fsr-3279	25	9	capital	capital	NOUN
fsr-3279	25	10	accumulation	accumulation	NOUN
fsr-3279	25	11	ratio	ratio	NOUN
fsr-3279	25	12	,	,	PUNCT
fsr-3279	25	13	which	which	PRON
fsr-3279	25	14	has	have	AUX
fsr-3279	25	15	been	be	AUX
fsr-3279	25	16	analyzed	analyze	VERB
fsr-3279	25	17	in	in	ADP
fsr-3279	25	18	a	a	DET
fsr-3279	25	19	number	number	NOUN
fsr-3279	25	20	of	of	ADP
fsr-3279	25	21	empirical	empirical	ADJ
fsr-3279	25	22	analyses	analysis	NOUN
fsr-3279	25	23	(	(	PUNCT
fsr-3279	25	24	harness	harness	NOUN
fsr-3279	25	25	,	,	PUNCT
fsr-3279	25	26	finke	finke	PROPN
fsr-3279	25	27	,	,	PUNCT
fsr-3279	25	28	chatterjee	chatterjee	PROPN
fsr-3279	25	29	,	,	PUNCT
fsr-3279	25	30	2009	2009	NUM
fsr-3279	25	31	;	;	PUNCT
fsr-3279	25	32	letkiewicz	letkiewicz	NOUN
fsr-3279	25	33	and	and	CCONJ
fsr-3279	25	34	hanna	hanna	NOUN
fsr-3279	25	35	,	,	PUNCT
fsr-3279	25	36	2013	2013	NUM
fsr-3279	25	37	;	;	PUNCT
fsr-3279	25	38	moon	moon	PROPN
fsr-3279	25	39	,	,	PUNCT
fsr-3279	25	40	yuh	yuh	PROPN
fsr-3279	25	41	,	,	PUNCT
fsr-3279	25	42	and	and	CCONJ
fsr-3279	25	43	hanna	hanna	PROPN
fsr-3279	25	44	,	,	PUNCT
fsr-3279	25	45	2002	2002	NUM
fsr-3279	25	46	;	;	PUNCT
fsr-3279	25	47	yao	yao	PROPN
fsr-3279	25	48	,	,	PUNCT
fsr-3279	25	49	hanna	hanna	PROPN
fsr-3279	25	50	,	,	PUNCT
fsr-3279	25	51	and	and	CCONJ
fsr-3279	25	52	montalto	montalto	PROPN
fsr-3279	25	53	,	,	PUNCT
fsr-3279	25	54	2002	2002	NUM
fsr-3279	25	55	,	,	PUNCT
fsr-3279	25	56	2003	2003	NUM
fsr-3279	25	57	)	)	PUNCT
fsr-3279	25	58	.	.	PUNCT
fsr-3279	26	1	the	the	DET
fsr-3279	26	2	capital	capital	NOUN
fsr-3279	26	3	accumulation	accumulation	NOUN
fsr-3279	26	4	ratio	ratio	NOUN
fsr-3279	26	5	,	,	PUNCT
fsr-3279	26	6	defined	define	VERB
fsr-3279	26	7	as	as	ADP
fsr-3279	26	8	the	the	DET
fsr-3279	26	9	proportion	proportion	NOUN
fsr-3279	26	10	of	of	ADP
fsr-3279	26	11	net	net	ADJ
fsr-3279	26	12	worth	worth	NOUN
fsr-3279	26	13	held	hold	VERB
fsr-3279	26	14	in	in	ADP
fsr-3279	26	15	investment	investment	NOUN
fsr-3279	26	16	assets	asset	NOUN
fsr-3279	26	17	,	,	PUNCT
fsr-3279	26	18	was	be	AUX
fsr-3279	26	19	proposed	propose	VERB
fsr-3279	26	20	by	by	ADP
fsr-3279	26	21	lytton	lytton	PROPN
fsr-3279	26	22	,	,	PUNCT
fsr-3279	26	23	garman	garman	PROPN
fsr-3279	26	24	,	,	PUNCT
fsr-3279	26	25	and	and	CCONJ
fsr-3279	26	26	porter	porter	NOUN
fsr-3279	26	27	(	(	PUNCT
fsr-3279	26	28	1991	1991	NUM
fsr-3279	26	29	)	)	PUNCT
fsr-3279	26	30	.	.	PUNCT
fsr-3279	27	1	it	it	PRON
fsr-3279	27	2	has	have	AUX
fsr-3279	27	3	been	be	AUX
fsr-3279	27	4	used	use	VERB
fsr-3279	27	5	in	in	ADP
fsr-3279	27	6	two	two	NUM
fsr-3279	27	7	personal	personal	ADJ
fsr-3279	27	8	finance	finance	NOUN
fsr-3279	27	9	textbooks	textbook	NOUN
fsr-3279	27	10	,	,	PUNCT
fsr-3279	27	11	in	in	ADP
fsr-3279	27	12	editions	edition	NOUN
fsr-3279	27	13	of	of	ADP
fsr-3279	27	14	the	the	DET
fsr-3279	27	15	garman	garman	NOUN
fsr-3279	27	16	and	and	CCONJ
fsr-3279	27	17	forgue	forgue	NOUN
fsr-3279	27	18	(	(	PUNCT
fsr-3279	27	19	2003	2003	NUM
fsr-3279	27	20	)	)	PUNCT
fsr-3279	27	21	from	from	ADP
fsr-3279	27	22	about	about	ADP
fsr-3279	27	23	2000	2000	NUM
fsr-3279	27	24	to	to	ADP
fsr-3279	27	25	2010	2010	NUM
fsr-3279	27	26	,	,	PUNCT
fsr-3279	27	27	and	and	CCONJ
fsr-3279	27	28	in	in	ADP
fsr-3279	27	29	devaney	devaney	PROPN
fsr-3279	27	30	(	(	PUNCT
fsr-3279	27	31	1997	1997	NUM
fsr-3279	27	32	)	)	PUNCT
fsr-3279	27	33	.	.	PUNCT
fsr-3279	28	1	these	these	DET
fsr-3279	28	2	authors	author	NOUN
fsr-3279	28	3	propose	propose	VERB
fsr-3279	28	4	that	that	SCONJ
fsr-3279	28	5	having	have	VERB
fsr-3279	28	6	a	a	DET
fsr-3279	28	7	capital	capital	NOUN
fsr-3279	28	8	accumulation	accumulation	NOUN
fsr-3279	28	9	ratio	ratio	NOUN
fsr-3279	28	10	of	of	ADP
fsr-3279	28	11	at	at	ADV
fsr-3279	28	12	least	least	ADV
fsr-3279	28	13	25	25	NUM
fsr-3279	28	14	%	%	NOUN
fsr-3279	28	15	is	be	AUX
fsr-3279	28	16	a	a	DET
fsr-3279	28	17	good	good	ADJ
fsr-3279	28	18	indicator	indicator	NOUN
fsr-3279	28	19	of	of	ADP
fsr-3279	28	20	the	the	DET
fsr-3279	28	21	ability	ability	NOUN
fsr-3279	28	22	to	to	PART
fsr-3279	28	23	accumulate	accumulate	VERB
fsr-3279	28	24	capital	capital	NOUN
fsr-3279	28	25	for	for	ADP
fsr-3279	28	26	future	future	ADJ
fsr-3279	28	27	goals	goal	NOUN
fsr-3279	28	28	,	,	PUNCT
fsr-3279	28	29	as	as	SCONJ
fsr-3279	28	30	it	it	PRON
fsr-3279	28	31	shows	show	VERB
fsr-3279	28	32	that	that	SCONJ
fsr-3279	28	33	net	net	ADJ
fsr-3279	28	34	worth	worth	NOUN
fsr-3279	28	35	is	be	AUX
fsr-3279	28	36	not	not	PART
fsr-3279	28	37	being	be	AUX
fsr-3279	28	38	devoted	devote	VERB
fsr-3279	28	39	to	to	ADP
fsr-3279	28	40	vehicles	vehicle	NOUN
fsr-3279	28	41	and	and	CCONJ
fsr-3279	28	42	one	one	NUM
fsr-3279	28	43	’s	’s	PART
fsr-3279	28	44	personal	personal	ADJ
fsr-3279	28	45	residence	residence	NOUN
fsr-3279	28	46	.	.	PUNCT
fsr-3279	29	1	in	in	ADP
fsr-3279	29	2	the	the	DET
fsr-3279	29	3	greninger	greninger	NOUN
fsr-3279	29	4	et	et	NOUN
fsr-3279	29	5	al	al	PROPN
fsr-3279	29	6	.	.	PROPN
fsr-3279	30	1	(	(	PUNCT
fsr-3279	30	2	1996	1996	NUM
fsr-3279	30	3	)	)	PUNCT
fsr-3279	30	4	article	article	NOUN
fsr-3279	30	5	reporting	report	VERB
fsr-3279	30	6	a	a	DET
fsr-3279	30	7	delphi	delphi	NOUN
fsr-3279	30	8	survey	survey	NOUN
fsr-3279	30	9	of	of	ADP
fsr-3279	30	10	financial	financial	ADJ
fsr-3279	30	11	planners	planner	NOUN
fsr-3279	30	12	and	and	CCONJ
fsr-3279	30	13	educators	educator	NOUN
fsr-3279	30	14	,	,	PUNCT
fsr-3279	30	15	a	a	DET
fsr-3279	30	16	level	level	NOUN
fsr-3279	30	17	of	of	ADP
fsr-3279	30	18	50	50	NUM
fsr-3279	30	19	%	%	NOUN
fsr-3279	30	20	for	for	ADP
fsr-3279	30	21	the	the	DET
fsr-3279	30	22	ratio	ratio	NOUN
fsr-3279	30	23	is	be	AUX
fsr-3279	30	24	suggested	suggest	VERB
fsr-3279	30	25	.	.	PUNCT
fsr-3279	31	1	however	however	ADV
fsr-3279	31	2	,	,	PUNCT
fsr-3279	31	3	as	as	ADP
fsr-3279	31	4	letkiewicz	letkiewicz	NOUN
fsr-3279	31	5	and	and	CCONJ
fsr-3279	31	6	hanna	hanna	PROPN
fsr-3279	31	7	(	(	PUNCT
fsr-3279	31	8	2013	2013	NUM
fsr-3279	31	9	)	)	PUNCT
fsr-3279	31	10	note	note	NOUN
fsr-3279	31	11	,	,	PUNCT
fsr-3279	31	12	the	the	DET
fsr-3279	31	13	capital	capital	NOUN
fsr-3279	31	14	accumulation	accumulation	NOUN
fsr-3279	31	15	ratio	ratio	NOUN
fsr-3279	31	16	guideline	guideline	NOUN
fsr-3279	31	17	advocated	advocate	VERB
fsr-3279	31	18	by	by	ADP
fsr-3279	31	19	garman	garman	NOUN
fsr-3279	31	20	and	and	CCONJ
fsr-3279	31	21	forgue	forgue	NOUN
fsr-3279	31	22	(	(	PUNCT
fsr-3279	31	23	2003	2003	NUM
fsr-3279	31	24	)	)	PUNCT
fsr-3279	31	25	in	in	ADP
fsr-3279	31	26	previous	previous	ADJ
fsr-3279	31	27	versions	version	NOUN
fsr-3279	31	28	of	of	ADP
fsr-3279	31	29	their	their	PRON
fsr-3279	31	30	textbook	textbook	NOUN
fsr-3279	31	31	before	before	ADP
fsr-3279	31	32	2012	2012	NUM
fsr-3279	31	33	is	be	AUX
fsr-3279	31	34	not	not	PART
fsr-3279	31	35	commonly	commonly	ADV
fsr-3279	31	36	suggested	suggest	VERB
fsr-3279	31	37	in	in	ADP
fsr-3279	31	38	financial	financial	ADJ
fsr-3279	31	39	planning	planning	NOUN
fsr-3279	31	40	textbooks	textbook	NOUN
fsr-3279	31	41	.	.	PUNCT
fsr-3279	32	1	garman	garman	PROPN
fsr-3279	32	2	and	and	CCONJ
fsr-3279	32	3	forgue	forgue	NOUN
fsr-3279	32	4	(	(	PUNCT
fsr-3279	32	5	2012	2012	NUM
fsr-3279	32	6	,	,	PUNCT
fsr-3279	32	7	p.	p.	NOUN
fsr-3279	32	8	78	78	NUM
fsr-3279	32	9	)	)	PUNCT
fsr-3279	32	10	suggest	suggest	VERB
fsr-3279	32	11	using	use	VERB
fsr-3279	32	12	the	the	DET
fsr-3279	32	13	ratio	ratio	NOUN
fsr-3279	32	14	of	of	ADP
fsr-3279	32	15	investments	investment	NOUN
fsr-3279	32	16	to	to	PART
fsr-3279	32	17	total	total	VERB
fsr-3279	32	18	assets	asset	NOUN
fsr-3279	32	19	to	to	PART
fsr-3279	32	20	answer	answer	VERB
fsr-3279	32	21	the	the	DET
fsr-3279	32	22	question	question	NOUN
fsr-3279	32	23	of	of	ADP
fsr-3279	32	24	whether	whether	SCONJ
fsr-3279	32	25	one	one	NOUN
fsr-3279	32	26	is	be	AUX
fsr-3279	32	27	investing	invest	VERB
fsr-3279	32	28	enough	enough	ADV
fsr-3279	32	29	.	.	PUNCT
fsr-3279	33	1	they	they	PRON
fsr-3279	33	2	state	state	NOUN
fsr-3279	33	3	guidelines	guideline	NOUN
fsr-3279	33	4	of	of	ADP
fsr-3279	33	5	having	have	VERB
fsr-3279	33	6	the	the	DET
fsr-3279	33	7	ratio	ratio	NOUN
fsr-3279	33	8	be	be	AUX
fsr-3279	33	9	at	at	ADV
fsr-3279	33	10	least	least	ADV
fsr-3279	33	11	10	10	NUM
fsr-3279	33	12	%	%	NOUN
fsr-3279	33	13	for	for	ADP
fsr-3279	33	14	those	those	PRON
fsr-3279	33	15	in	in	ADP
fsr-3279	33	16	their	their	PRON
fsr-3279	33	17	20	20	NUM
fsr-3279	33	18	’s	’s	NOUN
fsr-3279	33	19	,	,	PUNCT
fsr-3279	33	20	11	11	NUM
fsr-3279	33	21	%	%	NOUN
fsr-3279	33	22	to	to	PART
fsr-3279	33	23	30	30	NUM
fsr-3279	33	24	%	%	NOUN
fsr-3279	33	25	for	for	ADP
fsr-3279	33	26	those	those	PRON
fsr-3279	33	27	in	in	ADP
fsr-3279	33	28	their	their	PRON
fsr-3279	33	29	30	30	NUM
fsr-3279	33	30	’s	’s	NOUN
fsr-3279	33	31	,	,	PUNCT
fsr-3279	33	32	and	and	CCONJ
fsr-3279	33	33	over	over	ADP
fsr-3279	33	34	30	30	NUM
fsr-3279	33	35	%	%	NOUN
fsr-3279	33	36	for	for	ADP
fsr-3279	33	37	those	those	PRON
fsr-3279	33	38	aged	aged	ADJ
fsr-3279	33	39	40	40	NUM
fsr-3279	33	40	and	and	CCONJ
fsr-3279	33	41	over	over	ADV
fsr-3279	33	42	.	.	PUNCT
fsr-3279	34	1	yao	yao	PROPN
fsr-3279	34	2	et	et	PROPN
fsr-3279	34	3	al	al	PROPN
fsr-3279	34	4	.	.	PROPN
fsr-3279	34	5	(	(	PUNCT
fsr-3279	34	6	2002	2002	NUM
fsr-3279	34	7	)	)	PUNCT
fsr-3279	34	8	mention	mention	VERB
fsr-3279	34	9	the	the	DET
fsr-3279	34	10	alternative	alternative	NOUN
fsr-3279	34	11	of	of	ADP
fsr-3279	34	12	using	use	VERB
fsr-3279	34	13	the	the	DET
fsr-3279	34	14	investments	investment	NOUN
fsr-3279	34	15	to	to	ADP
fsr-3279	34	16	assets	asset	NOUN
fsr-3279	34	17	ratio	ratio	NOUN
fsr-3279	34	18	instead	instead	ADV
fsr-3279	34	19	of	of	ADP
fsr-3279	34	20	the	the	DET
fsr-3279	34	21	capital	capital	NOUN
fsr-3279	34	22	accumulation	accumulation	NOUN
fsr-3279	34	23	ratio	ratio	NOUN
fsr-3279	34	24	because	because	SCONJ
fsr-3279	34	25	of	of	ADP
fsr-3279	34	26	the	the	DET
fsr-3279	34	27	problem	problem	NOUN
fsr-3279	34	28	of	of	ADP
fsr-3279	34	29	households	household	NOUN
fsr-3279	34	30	having	have	VERB
fsr-3279	34	31	negative	negative	ADJ
fsr-3279	34	32	net	net	ADJ
fsr-3279	34	33	worth	worth	NOUN
fsr-3279	34	34	.	.	PUNCT
fsr-3279	35	1	dalton	dalton	PROPN
fsr-3279	35	2	,	,	PUNCT
fsr-3279	35	3	dalton	dalton	PROPN
fsr-3279	35	4	,	,	PUNCT
fsr-3279	35	5	cangelosi	cangelosi	NOUN
fsr-3279	35	6	,	,	PUNCT
fsr-3279	35	7	guttery	guttery	NOUN
fsr-3279	35	8	,	,	PUNCT
fsr-3279	35	9	and	and	CCONJ
fsr-3279	35	10	wasserman	wasserman	NOUN
fsr-3279	35	11	(	(	PUNCT
fsr-3279	35	12	2005	2005	NUM
fsr-3279	35	13	,	,	PUNCT
fsr-3279	35	14	p.	p.	NOUN
fsr-3279	35	15	124	124	NUM
fsr-3279	35	16	)	)	PUNCT
fsr-3279	35	17	suggest	suggest	VERB
fsr-3279	35	18	using	use	VERB
fsr-3279	35	19	the	the	DET
fsr-3279	35	20	ratio	ratio	NOUN
fsr-3279	35	21	of	of	ADP
fsr-3279	35	22	investment	investment	NOUN
fsr-3279	35	23	assets	asset	NOUN
fsr-3279	35	24	to	to	ADP
fsr-3279	35	25	annual	annual	ADJ
fsr-3279	35	26	income	income	NOUN
fsr-3279	35	27	,	,	PUNCT
fsr-3279	35	28	with	with	ADP
fsr-3279	35	29	a	a	DET
fsr-3279	35	30	goal	goal	NOUN
fsr-3279	35	31	of	of	ADP
fsr-3279	35	32	having	have	VERB
fsr-3279	35	33	sufficient	sufficient	ADJ
fsr-3279	35	34	investments	investment	NOUN
fsr-3279	35	35	to	to	PART
fsr-3279	35	36	generate	generate	VERB
fsr-3279	35	37	the	the	DET
fsr-3279	35	38	amount	amount	NOUN
fsr-3279	35	39	of	of	ADP
fsr-3279	35	40	income	income	NOUN
fsr-3279	35	41	needed	need	VERB
fsr-3279	35	42	in	in	ADP
fsr-3279	35	43	retirement	retirement	NOUN
fsr-3279	35	44	.	.	PUNCT
fsr-3279	36	1	they	they	PRON
fsr-3279	36	2	suggest	suggest	VERB
fsr-3279	36	3	having	have	VERB
fsr-3279	36	4	a	a	DET
fsr-3279	36	5	ratio	ratio	NOUN
fsr-3279	36	6	of	of	ADP
fsr-3279	36	7	10	10	NUM
fsr-3279	36	8	at	at	ADP
fsr-3279	36	9	retirement	retirement	NOUN
fsr-3279	36	10	,	,	PUNCT
fsr-3279	36	11	with	with	ADP
fsr-3279	36	12	ratios	ratio	NOUN
fsr-3279	36	13	of	of	ADP
fsr-3279	36	14	3	3	NUM
fsr-3279	36	15	to	to	PART
fsr-3279	36	16	4	4	NUM
fsr-3279	36	17	about	about	ADV
fsr-3279	36	18	10	10	NUM
fsr-3279	36	19	years	year	NOUN
fsr-3279	36	20	before	before	ADP
fsr-3279	36	21	retirement	retirement	NOUN
fsr-3279	36	22	and	and	CCONJ
fsr-3279	36	23	a	a	DET
fsr-3279	36	24	ratio	ratio	NOUN
fsr-3279	36	25	of	of	ADP
fsr-3279	36	26	at	at	ADV
fsr-3279	36	27	least	least	ADJ
fsr-3279	36	28	1	1	NUM
fsr-3279	36	29	264	264	NUM
fsr-3279	36	30	s.d	s.d	PROPN
fsr-3279	36	31	.	.	PROPN
fsr-3279	36	32	hanna	hanna	PROPN
fsr-3279	36	33	,	,	PUNCT
fsr-3279	36	34	k.t	k.t	PROPN
fsr-3279	36	35	.	.	PROPN
fsr-3279	36	36	kim	kim	PROPN
fsr-3279	36	37	/	/	SYM
fsr-3279	36	38	financial	financial	ADJ
fsr-3279	36	39	services	service	NOUN
fsr-3279	36	40	review	review	VERB
fsr-3279	36	41	25	25	NUM
fsr-3279	36	42	(	(	PUNCT
fsr-3279	36	43	2016	2016	NUM
fsr-3279	36	44	)	)	PUNCT
fsr-3279	37	1	263–277	263–277	NUM
fsr-3279	37	2	about	about	ADV
fsr-3279	37	3	20	20	NUM
fsr-3279	37	4	years	year	NOUN
fsr-3279	37	5	before	before	ADP
fsr-3279	37	6	retirement	retirement	NOUN
fsr-3279	37	7	.	.	PUNCT
fsr-3279	38	1	this	this	DET
fsr-3279	38	2	ratio	ratio	NOUN
fsr-3279	38	3	is	be	AUX
fsr-3279	38	4	similar	similar	ADJ
fsr-3279	38	5	to	to	ADP
fsr-3279	38	6	the	the	DET
fsr-3279	38	7	normative	normative	ADJ
fsr-3279	38	8	analysis	analysis	NOUN
fsr-3279	38	9	presented	present	VERB
fsr-3279	38	10	in	in	ADP
fsr-3279	38	11	ibbotson	ibbotson	PROPN
fsr-3279	38	12	(	(	PUNCT
fsr-3279	38	13	2008	2008	NUM
fsr-3279	38	14	,	,	PUNCT
fsr-3279	38	15	p.	p.	NOUN
fsr-3279	38	16	199	199	NUM
fsr-3279	38	17	)	)	PUNCT
fsr-3279	38	18	.	.	PUNCT
fsr-3279	39	1	fig	fig	NOUN
fsr-3279	39	2	.	.	PUNCT
fsr-3279	40	1	1	1	NUM
fsr-3279	40	2	shows	show	VERB
fsr-3279	40	3	graphically	graphically	ADV
fsr-3279	40	4	the	the	DET
fsr-3279	40	5	pattern	pattern	NOUN
fsr-3279	40	6	implied	imply	VERB
fsr-3279	40	7	by	by	ADP
fsr-3279	40	8	the	the	DET
fsr-3279	40	9	results	result	NOUN
fsr-3279	40	10	in	in	ADP
fsr-3279	40	11	ibbotson	ibbotson	PROPN
fsr-3279	40	12	.	.	PUNCT
fsr-3279	41	1	as	as	SCONJ
fsr-3279	41	2	shown	show	VERB
fsr-3279	41	3	,	,	PUNCT
fsr-3279	41	4	the	the	DET
fsr-3279	41	5	needed	need	VERB
fsr-3279	41	6	ratio	ratio	NOUN
fsr-3279	41	7	depends	depend	VERB
fsr-3279	41	8	not	not	PART
fsr-3279	41	9	only	only	ADV
fsr-3279	41	10	on	on	ADP
fsr-3279	41	11	age	age	NOUN
fsr-3279	41	12	,	,	PUNCT
fsr-3279	41	13	but	but	CCONJ
fsr-3279	41	14	also	also	ADV
fsr-3279	41	15	on	on	ADP
fsr-3279	41	16	income	income	NOUN
fsr-3279	41	17	,	,	PUNCT
fsr-3279	41	18	because	because	SCONJ
fsr-3279	41	19	of	of	ADP
fsr-3279	41	20	the	the	DET
fsr-3279	41	21	progressive	progressive	ADJ
fsr-3279	41	22	nature	nature	NOUN
fsr-3279	41	23	of	of	ADP
fsr-3279	41	24	social	social	ADJ
fsr-3279	41	25	security	security	NOUN
fsr-3279	41	26	pension	pension	NOUN
fsr-3279	41	27	benefits	benefit	NOUN
fsr-3279	41	28	and	and	CCONJ
fsr-3279	41	29	taxes	taxis	NOUN
fsr-3279	41	30	on	on	ADP
fsr-3279	41	31	current	current	ADJ
fsr-3279	41	32	earnings	earning	NOUN
fsr-3279	41	33	.	.	PUNCT
fsr-3279	42	1	while	while	SCONJ
fsr-3279	42	2	a	a	DET
fsr-3279	42	3	number	number	NOUN
fsr-3279	42	4	of	of	ADP
fsr-3279	42	5	empirical	empirical	ADJ
fsr-3279	42	6	studies	study	NOUN
fsr-3279	42	7	have	have	AUX
fsr-3279	42	8	been	be	AUX
fsr-3279	42	9	conducted	conduct	VERB
fsr-3279	42	10	using	use	VERB
fsr-3279	42	11	the	the	DET
fsr-3279	42	12	capital	capital	NOUN
fsr-3279	42	13	accumulation	accumulation	NOUN
fsr-3279	42	14	ratio	ratio	NOUN
fsr-3279	42	15	(	(	PUNCT
fsr-3279	42	16	see	see	VERB
fsr-3279	42	17	review	review	NOUN
fsr-3279	42	18	by	by	ADP
fsr-3279	42	19	letkiewicz	letkiewicz	NOUN
fsr-3279	42	20	and	and	CCONJ
fsr-3279	42	21	hanna	hanna	PROPN
fsr-3279	42	22	,	,	PUNCT
fsr-3279	42	23	2013	2013	NUM
fsr-3279	42	24	)	)	PUNCT
fsr-3279	42	25	,	,	PUNCT
fsr-3279	42	26	there	there	PRON
fsr-3279	42	27	are	be	VERB
fsr-3279	42	28	no	no	DET
fsr-3279	42	29	empirical	empirical	ADJ
fsr-3279	42	30	studies	study	NOUN
fsr-3279	42	31	of	of	ADP
fsr-3279	42	32	one	one	NUM
fsr-3279	42	33	of	of	ADP
fsr-3279	42	34	the	the	DET
fsr-3279	42	35	newer	new	ADJ
fsr-3279	42	36	ratios	ratio	NOUN
fsr-3279	42	37	,	,	PUNCT
fsr-3279	42	38	the	the	DET
fsr-3279	42	39	ratio	ratio	NOUN
fsr-3279	42	40	of	of	ADP
fsr-3279	42	41	investment	investment	NOUN
fsr-3279	42	42	assets	asset	NOUN
fsr-3279	42	43	to	to	ADP
fsr-3279	42	44	annual	annual	ADJ
fsr-3279	42	45	income	income	NOUN
fsr-3279	42	46	(	(	PUNCT
fsr-3279	42	47	dalton	dalton	PROPN
fsr-3279	42	48	et	et	PROPN
fsr-3279	42	49	al	al	PROPN
fsr-3279	42	50	.	.	PROPN
fsr-3279	42	51	,	,	PUNCT
fsr-3279	42	52	2005	2005	NUM
fsr-3279	42	53	)	)	PUNCT
fsr-3279	42	54	.	.	PUNCT
fsr-3279	43	1	there	there	PRON
fsr-3279	43	2	is	be	VERB
fsr-3279	43	3	one	one	NUM
fsr-3279	43	4	brief	brief	ADJ
fsr-3279	43	5	abstract	abstract	NOUN
fsr-3279	43	6	related	relate	VERB
fsr-3279	43	7	to	to	ADP
fsr-3279	43	8	the	the	DET
fsr-3279	43	9	other	other	ADJ
fsr-3279	43	10	newer	new	ADJ
fsr-3279	43	11	ratio	ratio	NOUN
fsr-3279	43	12	used	use	VERB
fsr-3279	43	13	by	by	ADP
fsr-3279	43	14	garman	garman	NOUN
fsr-3279	43	15	and	and	CCONJ
fsr-3279	43	16	forgue	forgue	NOUN
fsr-3279	43	17	(	(	PUNCT
fsr-3279	43	18	2012	2012	NUM
fsr-3279	43	19	)	)	PUNCT
fsr-3279	43	20	,	,	PUNCT
fsr-3279	43	21	the	the	DET
fsr-3279	43	22	ratio	ratio	NOUN
fsr-3279	43	23	of	of	ADP
fsr-3279	43	24	investment	investment	NOUN
fsr-3279	43	25	assets	asset	NOUN
fsr-3279	43	26	to	to	ADP
fsr-3279	43	27	total	total	ADJ
fsr-3279	43	28	assets	asset	NOUN
fsr-3279	43	29	.	.	PUNCT
fsr-3279	44	1	yao	yao	PROPN
fsr-3279	44	2	and	and	CCONJ
fsr-3279	44	3	hanna	hanna	PROPN
fsr-3279	44	4	(	(	PUNCT
fsr-3279	44	5	2002	2002	NUM
fsr-3279	44	6	)	)	PUNCT
fsr-3279	44	7	report	report	NOUN
fsr-3279	44	8	comparisons	comparison	NOUN
fsr-3279	44	9	how	how	SCONJ
fsr-3279	44	10	well	well	ADV
fsr-3279	44	11	the	the	DET
fsr-3279	44	12	25	25	NUM
fsr-3279	44	13	%	%	NOUN
fsr-3279	44	14	capital	capital	NOUN
fsr-3279	44	15	accumulation	accumulation	NOUN
fsr-3279	44	16	ratio	ratio	NOUN
fsr-3279	44	17	guideline	guideline	NOUN
fsr-3279	44	18	is	be	AUX
fsr-3279	44	19	related	relate	VERB
fsr-3279	44	20	to	to	ADP
fsr-3279	44	21	retirement	retirement	NOUN
fsr-3279	44	22	adequacy	adequacy	NOUN
fsr-3279	44	23	to	to	ADP
fsr-3279	44	24	how	how	SCONJ
fsr-3279	44	25	well	well	ADV
fsr-3279	44	26	the	the	DET
fsr-3279	44	27	25	25	NUM
fsr-3279	44	28	%	%	NOUN
fsr-3279	44	29	investment	investment	NOUN
fsr-3279	44	30	to	to	ADP
fsr-3279	44	31	assets	asset	NOUN
fsr-3279	44	32	guideline	guideline	NOUN
fsr-3279	44	33	is	be	AUX
fsr-3279	44	34	related	relate	VERB
fsr-3279	44	35	to	to	ADP
fsr-3279	44	36	retirement	retirement	NOUN
fsr-3279	44	37	adequacy	adequacy	NOUN
fsr-3279	44	38	,	,	PUNCT
fsr-3279	44	39	and	and	CCONJ
fsr-3279	44	40	note	note	VERB
fsr-3279	44	41	that	that	SCONJ
fsr-3279	44	42	neither	neither	DET
fsr-3279	44	43	guideline	guideline	NOUN
fsr-3279	44	44	is	be	AUX
fsr-3279	44	45	a	a	DET
fsr-3279	44	46	very	very	ADV
fsr-3279	44	47	good	good	ADJ
fsr-3279	44	48	indicator	indicator	NOUN
fsr-3279	44	49	of	of	ADP
fsr-3279	44	50	retirement	retirement	NOUN
fsr-3279	44	51	adequacy	adequacy	NOUN
fsr-3279	44	52	.	.	PUNCT
fsr-3279	45	1	many	many	ADJ
fsr-3279	45	2	of	of	ADP
fsr-3279	45	3	the	the	DET
fsr-3279	45	4	previous	previous	ADJ
fsr-3279	45	5	empirical	empirical	ADJ
fsr-3279	45	6	studies	study	NOUN
fsr-3279	45	7	on	on	ADP
fsr-3279	45	8	investment	investment	NOUN
fsr-3279	45	9	ratios	ratio	NOUN
fsr-3279	45	10	focus	focus	VERB
fsr-3279	45	11	on	on	ADP
fsr-3279	45	12	meeting	meet	VERB
fsr-3279	45	13	simple	simple	ADJ
fsr-3279	45	14	thresholds	threshold	NOUN
fsr-3279	45	15	,	,	PUNCT
fsr-3279	45	16	and	and	CCONJ
fsr-3279	45	17	therefore	therefore	ADV
fsr-3279	45	18	,	,	PUNCT
fsr-3279	45	19	have	have	AUX
fsr-3279	45	20	not	not	PART
fsr-3279	45	21	provided	provide	VERB
fsr-3279	45	22	much	much	ADJ
fsr-3279	45	23	insight	insight	NOUN
fsr-3279	45	24	into	into	ADP
fsr-3279	45	25	what	what	DET
fsr-3279	45	26	levels	level	NOUN
fsr-3279	45	27	might	might	AUX
fsr-3279	45	28	be	be	AUX
fsr-3279	45	29	best	good	ADJ
fsr-3279	45	30	for	for	ADP
fsr-3279	45	31	households	household	NOUN
fsr-3279	45	32	.	.	PUNCT
fsr-3279	46	1	there	there	PRON
fsr-3279	46	2	have	have	AUX
fsr-3279	46	3	been	be	AUX
fsr-3279	46	4	no	no	DET
fsr-3279	46	5	rigorous	rigorous	ADJ
fsr-3279	46	6	analyses	analysis	NOUN
fsr-3279	46	7	of	of	ADP
fsr-3279	46	8	whether	whether	SCONJ
fsr-3279	46	9	particular	particular	ADJ
fsr-3279	46	10	ratio	ratio	NOUN
fsr-3279	46	11	levels	level	NOUN
fsr-3279	46	12	are	be	AUX
fsr-3279	46	13	optimal	optimal	ADJ
fsr-3279	46	14	(	(	PUNCT
fsr-3279	46	15	moon	moon	NOUN
fsr-3279	46	16	,	,	PUNCT
fsr-3279	46	17	et	et	PROPN
fsr-3279	46	18	al	al	PROPN
fsr-3279	46	19	,	,	PUNCT
fsr-3279	46	20	2002	2002	NUM
fsr-3279	46	21	)	)	PUNCT
fsr-3279	46	22	.	.	PUNCT
fsr-3279	47	1	1.2	1.2	NUM
fsr-3279	47	2	.	.	PUNCT
fsr-3279	47	3	objectives	objective	NOUN
fsr-3279	47	4	lytton	lytton	PROPN
fsr-3279	47	5	et	et	PROPN
fsr-3279	47	6	al	al	PROPN
fsr-3279	47	7	.	.	PROPN
fsr-3279	48	1	(	(	PUNCT
fsr-3279	48	2	1991	1991	NUM
fsr-3279	48	3	)	)	PUNCT
fsr-3279	48	4	suggest	suggest	VERB
fsr-3279	48	5	that	that	SCONJ
fsr-3279	48	6	establishment	establishment	NOUN
fsr-3279	48	7	of	of	ADP
fsr-3279	48	8	ratio	ratio	NOUN
fsr-3279	48	9	guidelines	guideline	NOUN
fsr-3279	48	10	“	"	PUNCT
fsr-3279	48	11	…	…	PUNCT
fsr-3279	48	12	would	would	AUX
fsr-3279	48	13	be	be	AUX
fsr-3279	48	14	dependent	dependent	ADJ
fsr-3279	48	15	on	on	ADP
fsr-3279	48	16	…	…	PUNCT
fsr-3279	48	17	empirical	empirical	ADJ
fsr-3279	48	18	research	research	NOUN
fsr-3279	48	19	to	to	PART
fsr-3279	48	20	determine	determine	VERB
fsr-3279	48	21	appropriate	appropriate	ADJ
fsr-3279	48	22	empirical	empirical	ADJ
fsr-3279	48	23	ranges	range	NOUN
fsr-3279	48	24	.	.	PUNCT
fsr-3279	48	25	”	"	PUNCT
fsr-3279	49	1	harness	harness	NOUN
fsr-3279	49	2	et	et	PROPN
fsr-3279	49	3	al	al	PROPN
fsr-3279	49	4	.	.	PROPN
fsr-3279	50	1	(	(	PUNCT
fsr-3279	50	2	2009	2009	NUM
fsr-3279	50	3	)	)	PUNCT
fsr-3279	50	4	also	also	ADV
fsr-3279	50	5	suggest	suggest	VERB
fsr-3279	50	6	that	that	SCONJ
fsr-3279	50	7	ratio	ratio	NOUN
fsr-3279	50	8	guidelines	guideline	NOUN
fsr-3279	50	9	should	should	AUX
fsr-3279	50	10	be	be	AUX
fsr-3279	50	11	research	research	NOUN
fsr-3279	50	12	based	base	VERB
fsr-3279	50	13	.	.	PUNCT
fsr-3279	51	1	they	they	PRON
fsr-3279	51	2	note	note	VERB
fsr-3279	51	3	that	that	SCONJ
fsr-3279	51	4	“	"	PUNCT
fsr-3279	51	5	a	a	DET
fsr-3279	51	6	problem	problem	NOUN
fsr-3279	51	7	with	with	ADP
fsr-3279	51	8	using	use	VERB
fsr-3279	51	9	ratios	ratio	NOUN
fsr-3279	51	10	as	as	ADP
fsr-3279	51	11	tools	tool	NOUN
fsr-3279	51	12	is	be	AUX
fsr-3279	51	13	that	that	SCONJ
fsr-3279	51	14	the	the	DET
fsr-3279	51	15	extant	extant	ADJ
fsr-3279	51	16	literature	literature	NOUN
fsr-3279	51	17	testing	test	VERB
fsr-3279	51	18	their	their	PRON
fsr-3279	51	19	value	value	NOUN
fsr-3279	51	20	is	be	AUX
fsr-3279	51	21	limited	limited	ADJ
fsr-3279	51	22	.	.	PUNCT
fsr-3279	52	1	for	for	ADP
fsr-3279	52	2	example	example	NOUN
fsr-3279	52	3	,	,	PUNCT
fsr-3279	52	4	there	there	PRON
fsr-3279	52	5	is	be	VERB
fsr-3279	52	6	little	little	ADJ
fsr-3279	52	7	evidence	evidence	NOUN
fsr-3279	52	8	that	that	SCONJ
fsr-3279	52	9	a	a	DET
fsr-3279	52	10	capital	capital	NOUN
fsr-3279	52	11	accumulation	accumulation	NOUN
fsr-3279	52	12	ratio	ratio	NOUN
fsr-3279	52	13	of	of	ADP
fsr-3279	52	14	0.7	0.7	NUM
fsr-3279	52	15	is	be	AUX
fsr-3279	52	16	better	well	ADJ
fsr-3279	52	17	than	than	ADP
fsr-3279	52	18	one	one	NUM
fsr-3279	52	19	of	of	ADP
fsr-3279	52	20	0.3	0.3	NUM
fsr-3279	52	21	.	.	PUNCT
fsr-3279	52	22	”	"	PUNCT
fsr-3279	53	1	the	the	DET
fsr-3279	53	2	fig	fig	NOUN
fsr-3279	53	3	.	.	PUNCT
fsr-3279	54	1	1	1	X
fsr-3279	54	2	.	.	X
fsr-3279	54	3	ratio	ratio	NOUN
fsr-3279	54	4	of	of	ADP
fsr-3279	54	5	needed	need	VERB
fsr-3279	54	6	amount	amount	NOUN
fsr-3279	54	7	of	of	ADP
fsr-3279	54	8	retirement	retirement	NOUN
fsr-3279	54	9	investments	investment	NOUN
fsr-3279	54	10	to	to	PART
fsr-3279	54	11	income	income	VERB
fsr-3279	54	12	,	,	PUNCT
fsr-3279	54	13	ibbotson	ibbotson	PROPN
fsr-3279	54	14	analysis	analysis	NOUN
fsr-3279	54	15	of	of	ADP
fsr-3279	54	16	amount	amount	NOUN
fsr-3279	54	17	to	to	PART
fsr-3279	54	18	accumulate	accumulate	VERB
fsr-3279	54	19	to	to	PART
fsr-3279	54	20	replace	replace	VERB
fsr-3279	54	21	80	80	NUM
fsr-3279	54	22	%	%	NOUN
fsr-3279	54	23	of	of	ADP
fsr-3279	54	24	net	net	ADJ
fsr-3279	54	25	pre	pre	ADJ
fsr-3279	54	26	-	-	ADJ
fsr-3279	54	27	retirement	retirement	ADJ
fsr-3279	54	28	income	income	NOUN
fsr-3279	54	29	,	,	PUNCT
fsr-3279	54	30	by	by	ADP
fsr-3279	54	31	age	age	NOUN
fsr-3279	54	32	and	and	CCONJ
fsr-3279	54	33	income	income	NOUN
fsr-3279	54	34	level	level	NOUN
fsr-3279	54	35	.	.	PUNCT
fsr-3279	55	1	calculations	calculation	NOUN
fsr-3279	55	2	by	by	ADP
fsr-3279	55	3	author	author	NOUN
fsr-3279	55	4	,	,	PUNCT
fsr-3279	55	5	based	base	VERB
fsr-3279	55	6	on	on	ADP
fsr-3279	55	7	table	table	NOUN
fsr-3279	55	8	in	in	ADP
fsr-3279	55	9	ibbotson	ibbotson	PROPN
fsr-3279	55	10	(	(	PUNCT
fsr-3279	55	11	2008	2008	NUM
fsr-3279	55	12	)	)	PUNCT
fsr-3279	55	13	,	,	PUNCT
fsr-3279	55	14	p.	p.	NOUN
fsr-3279	55	15	199	199	NUM
fsr-3279	55	16	.	.	PUNCT
fsr-3279	56	1	265s.d	265s.d	ADJ
fsr-3279	56	2	.	.	PUNCT
fsr-3279	57	1	hanna	hanna	PROPN
fsr-3279	57	2	,	,	PUNCT
fsr-3279	57	3	k.t	k.t	PROPN
fsr-3279	57	4	.	.	PROPN
fsr-3279	57	5	kim	kim	PROPN
fsr-3279	57	6	/	/	SYM
fsr-3279	57	7	financial	financial	ADJ
fsr-3279	57	8	services	service	NOUN
fsr-3279	57	9	review	review	VERB
fsr-3279	57	10	25	25	NUM
fsr-3279	57	11	(	(	PUNCT
fsr-3279	57	12	2016	2016	NUM
fsr-3279	57	13	)	)	PUNCT
fsr-3279	58	1	263–277	263–277	NUM
fsr-3279	58	2	objective	objective	NOUN
fsr-3279	58	3	of	of	ADP
fsr-3279	58	4	this	this	DET
fsr-3279	58	5	article	article	NOUN
fsr-3279	58	6	is	be	AUX
fsr-3279	58	7	to	to	PART
fsr-3279	58	8	provide	provide	VERB
fsr-3279	58	9	insights	insight	NOUN
fsr-3279	58	10	into	into	ADP
fsr-3279	58	11	three	three	NUM
fsr-3279	58	12	household	household	NOUN
fsr-3279	58	13	investment	investment	NOUN
fsr-3279	58	14	ratios	ratio	NOUN
fsr-3279	58	15	,	,	PUNCT
fsr-3279	58	16	what	what	DET
fsr-3279	58	17	value	value	NOUN
fsr-3279	58	18	of	of	ADP
fsr-3279	58	19	each	each	DET
fsr-3279	58	20	ratio	ratio	NOUN
fsr-3279	58	21	is	be	AUX
fsr-3279	58	22	best	good	ADJ
fsr-3279	58	23	,	,	PUNCT
fsr-3279	58	24	and	and	CCONJ
fsr-3279	58	25	whether	whether	SCONJ
fsr-3279	58	26	one	one	NUM
fsr-3279	58	27	ratio	ratio	NOUN
fsr-3279	58	28	is	be	AUX
fsr-3279	58	29	better	well	ADJ
fsr-3279	58	30	than	than	ADP
fsr-3279	58	31	the	the	DET
fsr-3279	58	32	others	other	NOUN
fsr-3279	58	33	.	.	PUNCT
fsr-3279	59	1	we	we	PRON
fsr-3279	59	2	do	do	AUX
fsr-3279	59	3	not	not	PART
fsr-3279	59	4	directly	directly	ADV
fsr-3279	59	5	test	test	VERB
fsr-3279	59	6	whether	whether	SCONJ
fsr-3279	59	7	guidelines	guideline	NOUN
fsr-3279	59	8	proposed	propose	VERB
fsr-3279	59	9	by	by	ADP
fsr-3279	59	10	textbook	textbook	NOUN
fsr-3279	59	11	authors	author	NOUN
fsr-3279	59	12	make	make	VERB
fsr-3279	59	13	sense	sense	NOUN
fsr-3279	59	14	,	,	PUNCT
fsr-3279	59	15	as	as	SCONJ
fsr-3279	59	16	there	there	PRON
fsr-3279	59	17	is	be	VERB
fsr-3279	59	18	no	no	DET
fsr-3279	59	19	rigorous	rigorous	ADJ
fsr-3279	59	20	analysis	analysis	NOUN
fsr-3279	59	21	presented	present	VERB
fsr-3279	59	22	by	by	ADP
fsr-3279	59	23	any	any	PRON
fsr-3279	59	24	of	of	ADP
fsr-3279	59	25	the	the	DET
fsr-3279	59	26	authors	author	NOUN
fsr-3279	59	27	.	.	PUNCT
fsr-3279	60	1	we	we	PRON
fsr-3279	60	2	present	present	VERB
fsr-3279	60	3	distributions	distribution	NOUN
fsr-3279	60	4	of	of	ADP
fsr-3279	60	5	the	the	DET
fsr-3279	60	6	two	two	NUM
fsr-3279	60	7	newer	new	ADJ
fsr-3279	60	8	ratios	ratio	NOUN
fsr-3279	60	9	,	,	PUNCT
fsr-3279	60	10	along	along	ADP
fsr-3279	60	11	with	with	ADP
fsr-3279	60	12	the	the	DET
fsr-3279	60	13	capital	capital	NOUN
fsr-3279	60	14	accumulation	accumulation	NOUN
fsr-3279	60	15	ratio	ratio	NOUN
fsr-3279	60	16	,	,	PUNCT
fsr-3279	60	17	based	base	VERB
fsr-3279	60	18	on	on	ADP
fsr-3279	60	19	analyses	analysis	NOUN
fsr-3279	60	20	of	of	ADP
fsr-3279	60	21	the	the	DET
fsr-3279	60	22	2013	2013	NUM
fsr-3279	60	23	survey	survey	NOUN
fsr-3279	60	24	of	of	ADP
fsr-3279	60	25	consumer	consumer	NOUN
fsr-3279	60	26	finances	finance	NOUN
fsr-3279	60	27	.	.	PUNCT
fsr-3279	61	1	furthermore	furthermore	ADV
fsr-3279	61	2	,	,	PUNCT
fsr-3279	61	3	for	for	ADP
fsr-3279	61	4	an	an	DET
fsr-3279	61	5	exploratory	exploratory	ADJ
fsr-3279	61	6	attempt	attempt	NOUN
fsr-3279	61	7	to	to	PART
fsr-3279	61	8	derive	derive	VERB
fsr-3279	61	9	normative	normative	ADJ
fsr-3279	61	10	results	result	NOUN
fsr-3279	61	11	for	for	ADP
fsr-3279	61	12	levels	level	NOUN
fsr-3279	61	13	of	of	ADP
fsr-3279	61	14	the	the	DET
fsr-3279	61	15	three	three	NUM
fsr-3279	61	16	investment	investment	NOUN
fsr-3279	61	17	ratios	ratio	NOUN
fsr-3279	61	18	,	,	PUNCT
fsr-3279	61	19	three	three	NUM
fsr-3279	61	20	ordinary	ordinary	ADJ
fsr-3279	61	21	least	least	ADJ
fsr-3279	61	22	squares	square	NOUN
fsr-3279	61	23	(	(	PUNCT
fsr-3279	61	24	ols	ol	NOUN
fsr-3279	61	25	)	)	PUNCT
fsr-3279	61	26	regressions	regression	NOUN
fsr-3279	61	27	are	be	AUX
fsr-3279	61	28	utilized	utilize	VERB
fsr-3279	61	29	,	,	PUNCT
fsr-3279	61	30	with	with	ADP
fsr-3279	61	31	respondent	respondent	NOUN
fsr-3279	61	32	assessment	assessment	NOUN
fsr-3279	61	33	of	of	ADP
fsr-3279	61	34	the	the	DET
fsr-3279	61	35	adequacy	adequacy	NOUN
fsr-3279	61	36	of	of	ADP
fsr-3279	61	37	future	future	ADJ
fsr-3279	61	38	retirement	retirement	NOUN
fsr-3279	61	39	income	income	NOUN
fsr-3279	61	40	,	,	PUNCT
fsr-3279	61	41	as	as	ADP
fsr-3279	61	42	a	a	DET
fsr-3279	61	43	function	function	NOUN
fsr-3279	61	44	of	of	ADP
fsr-3279	61	45	age	age	NOUN
fsr-3279	61	46	,	,	PUNCT
fsr-3279	61	47	homeownership	homeownership	NOUN
fsr-3279	61	48	status	status	NOUN
fsr-3279	61	49	,	,	PUNCT
fsr-3279	61	50	having	have	VERB
fsr-3279	61	51	a	a	DET
fsr-3279	61	52	defined	define	VERB
fsr-3279	61	53	benefit	benefit	NOUN
fsr-3279	61	54	plan	plan	NOUN
fsr-3279	61	55	,	,	PUNCT
fsr-3279	61	56	and	and	CCONJ
fsr-3279	61	57	employment	employment	NOUN
fsr-3279	61	58	status	status	NOUN
fsr-3279	61	59	along	along	ADP
fsr-3279	61	60	with	with	ADP
fsr-3279	61	61	linear	linear	ADJ
fsr-3279	61	62	and	and	CCONJ
fsr-3279	61	63	quadratic	quadratic	ADJ
fsr-3279	61	64	variables	variable	NOUN
fsr-3279	61	65	for	for	ADP
fsr-3279	61	66	each	each	DET
fsr-3279	61	67	investment	investment	NOUN
fsr-3279	61	68	ratio	ratio	NOUN
fsr-3279	61	69	.	.	PUNCT
fsr-3279	62	1	our	our	PRON
fsr-3279	62	2	conclusion	conclusion	NOUN
fsr-3279	62	3	on	on	ADP
fsr-3279	62	4	which	which	PRON
fsr-3279	62	5	ratio	ratio	NOUN
fsr-3279	62	6	is	be	AUX
fsr-3279	62	7	the	the	DET
fsr-3279	62	8	best	good	ADJ
fsr-3279	62	9	is	be	AUX
fsr-3279	62	10	based	base	VERB
fsr-3279	62	11	on	on	ADP
fsr-3279	62	12	the	the	DET
fsr-3279	62	13	explanatory	explanatory	ADJ
fsr-3279	62	14	power	power	NOUN
fsr-3279	62	15	of	of	ADP
fsr-3279	62	16	each	each	DET
fsr-3279	62	17	ratio	ratio	NOUN
fsr-3279	62	18	regression	regression	NOUN
fsr-3279	62	19	,	,	PUNCT
fsr-3279	62	20	and	and	CCONJ
fsr-3279	62	21	also	also	ADV
fsr-3279	62	22	the	the	DET
fsr-3279	62	23	plausibility	plausibility	NOUN
fsr-3279	62	24	of	of	ADP
fsr-3279	62	25	the	the	DET
fsr-3279	62	26	effects	effect	NOUN
fsr-3279	62	27	of	of	ADP
fsr-3279	62	28	the	the	DET
fsr-3279	62	29	ratio	ratio	NOUN
fsr-3279	62	30	on	on	ADP
fsr-3279	62	31	the	the	DET
fsr-3279	62	32	assessment	assessment	NOUN
fsr-3279	62	33	of	of	ADP
fsr-3279	62	34	retirement	retirement	NOUN
fsr-3279	62	35	adequacy	adequacy	NOUN
fsr-3279	62	36	,	,	PUNCT
fsr-3279	62	37	and	and	CCONJ
fsr-3279	62	38	the	the	DET
fsr-3279	62	39	mathematical	mathematical	ADJ
fsr-3279	62	40	properties	property	NOUN
fsr-3279	62	41	of	of	ADP
fsr-3279	62	42	each	each	DET
fsr-3279	62	43	ratio	ratio	NOUN
fsr-3279	62	44	.	.	PUNCT
fsr-3279	63	1	2	2	X
fsr-3279	63	2	.	.	X
fsr-3279	63	3	method	method	PROPN
fsr-3279	63	4	2.1	2.1	NUM
fsr-3279	63	5	.	.	PUNCT
fsr-3279	64	1	mathematical	mathematical	ADJ
fsr-3279	64	2	considerations	consideration	NOUN
fsr-3279	64	3	for	for	ADP
fsr-3279	64	4	financial	financial	ADJ
fsr-3279	64	5	ratios	ratio	NOUN
fsr-3279	64	6	harness	harness	NOUN
fsr-3279	64	7	et	et	PROPN
fsr-3279	64	8	al	al	PROPN
fsr-3279	64	9	.	.	PROPN
fsr-3279	65	1	(	(	PUNCT
fsr-3279	65	2	2009	2009	NUM
fsr-3279	65	3	)	)	PUNCT
fsr-3279	65	4	note	note	VERB
fsr-3279	65	5	that	that	SCONJ
fsr-3279	65	6	many	many	ADJ
fsr-3279	65	7	financial	financial	ADJ
fsr-3279	65	8	ratios	ratio	NOUN
fsr-3279	65	9	have	have	VERB
fsr-3279	65	10	a	a	DET
fsr-3279	65	11	non	non	ADJ
fsr-3279	65	12	-	-	ADJ
fsr-3279	65	13	normal	normal	ADJ
fsr-3279	65	14	distribution	distribution	NOUN
fsr-3279	65	15	.	.	PUNCT
fsr-3279	66	1	the	the	DET
fsr-3279	66	2	component	component	NOUN
fsr-3279	66	3	variables	variable	NOUN
fsr-3279	66	4	of	of	ADP
fsr-3279	66	5	the	the	DET
fsr-3279	66	6	three	three	NUM
fsr-3279	66	7	ratios	ratio	NOUN
fsr-3279	66	8	related	relate	VERB
fsr-3279	66	9	to	to	ADP
fsr-3279	66	10	investments	investment	NOUN
fsr-3279	66	11	are	be	AUX
fsr-3279	66	12	income	income	NOUN
fsr-3279	66	13	,	,	PUNCT
fsr-3279	66	14	investments	investment	NOUN
fsr-3279	66	15	,	,	PUNCT
fsr-3279	66	16	net	net	ADJ
fsr-3279	66	17	worth	worth	NOUN
fsr-3279	66	18	,	,	PUNCT
fsr-3279	66	19	and	and	CCONJ
fsr-3279	66	20	total	total	ADJ
fsr-3279	66	21	assets	asset	NOUN
fsr-3279	66	22	.	.	PUNCT
fsr-3279	67	1	all	all	PRON
fsr-3279	67	2	have	have	VERB
fsr-3279	67	3	skewed	skewed	ADJ
fsr-3279	67	4	distributions	distribution	NOUN
fsr-3279	67	5	,	,	PUNCT
fsr-3279	67	6	especially	especially	ADV
fsr-3279	67	7	the	the	DET
fsr-3279	67	8	asset	asset	NOUN
fsr-3279	67	9	and	and	CCONJ
fsr-3279	67	10	net	net	ADJ
fsr-3279	67	11	worth	worth	ADJ
fsr-3279	67	12	variables	variable	NOUN
fsr-3279	67	13	,	,	PUNCT
fsr-3279	67	14	with	with	ADP
fsr-3279	67	15	very	very	ADV
fsr-3279	67	16	long	long	ADJ
fsr-3279	67	17	tails	tail	NOUN
fsr-3279	67	18	of	of	ADP
fsr-3279	67	19	the	the	DET
fsr-3279	67	20	distribution	distribution	NOUN
fsr-3279	67	21	.	.	PUNCT
fsr-3279	68	1	further	far	ADV
fsr-3279	68	2	,	,	PUNCT
fsr-3279	68	3	many	many	ADJ
fsr-3279	68	4	households	household	NOUN
fsr-3279	68	5	have	have	VERB
fsr-3279	68	6	zero	zero	NUM
fsr-3279	68	7	or	or	CCONJ
fsr-3279	68	8	negative	negative	ADJ
fsr-3279	68	9	net	net	ADJ
fsr-3279	68	10	worth	worth	NOUN
fsr-3279	68	11	,	,	PUNCT
fsr-3279	68	12	making	make	VERB
fsr-3279	68	13	interpretation	interpretation	NOUN
fsr-3279	68	14	of	of	ADP
fsr-3279	68	15	the	the	DET
fsr-3279	68	16	capital	capital	NOUN
fsr-3279	68	17	accumulation	accumulation	NOUN
fsr-3279	68	18	ratio	ratio	NOUN
fsr-3279	68	19	problematic	problematic	ADJ
fsr-3279	68	20	,	,	PUNCT
fsr-3279	68	21	because	because	SCONJ
fsr-3279	68	22	net	net	ADJ
fsr-3279	68	23	worth	worth	NOUN
fsr-3279	68	24	is	be	AUX
fsr-3279	68	25	in	in	ADP
fsr-3279	68	26	the	the	DET
fsr-3279	68	27	denominator	denominator	NOUN
fsr-3279	68	28	of	of	ADP
fsr-3279	68	29	the	the	DET
fsr-3279	68	30	ratio	ratio	NOUN
fsr-3279	68	31	.	.	PUNCT
fsr-3279	69	1	2.2	2.2	NUM
fsr-3279	69	2	.	.	PUNCT
fsr-3279	69	3	data	datum	NOUN
fsr-3279	69	4	and	and	CCONJ
fsr-3279	69	5	sample	sample	NOUN
fsr-3279	69	6	in	in	ADP
fsr-3279	69	7	this	this	DET
fsr-3279	69	8	study	study	NOUN
fsr-3279	69	9	,	,	PUNCT
fsr-3279	69	10	the	the	DET
fsr-3279	69	11	2013	2013	NUM
fsr-3279	69	12	survey	survey	NOUN
fsr-3279	69	13	of	of	ADP
fsr-3279	69	14	consumer	consumer	NOUN
fsr-3279	69	15	finances	finance	NOUN
fsr-3279	69	16	(	(	PUNCT
fsr-3279	69	17	scf	scf	PROPN
fsr-3279	69	18	)	)	PUNCT
fsr-3279	69	19	released	release	VERB
fsr-3279	69	20	by	by	ADP
fsr-3279	69	21	federal	federal	PROPN
fsr-3279	69	22	reserve	reserve	PROPN
fsr-3279	69	23	board	board	PROPN
fsr-3279	69	24	(	(	PUNCT
fsr-3279	69	25	bricker	bricker	NOUN
fsr-3279	69	26	et	et	NOUN
fsr-3279	69	27	al	al	PROPN
fsr-3279	69	28	.	.	PROPN
fsr-3279	69	29	,	,	PUNCT
fsr-3279	69	30	2014	2014	NUM
fsr-3279	69	31	)	)	PUNCT
fsr-3279	69	32	is	be	AUX
fsr-3279	69	33	used	use	VERB
fsr-3279	69	34	.	.	PUNCT
fsr-3279	70	1	the	the	DET
fsr-3279	70	2	total	total	ADJ
fsr-3279	70	3	sample	sample	NOUN
fsr-3279	70	4	size	size	NOUN
fsr-3279	70	5	of	of	ADP
fsr-3279	70	6	the	the	DET
fsr-3279	70	7	2013	2013	NUM
fsr-3279	70	8	scf	scf	PROPN
fsr-3279	70	9	is	be	AUX
fsr-3279	70	10	6,015	6,015	NUM
fsr-3279	70	11	and	and	CCONJ
fsr-3279	70	12	for	for	ADP
fsr-3279	70	13	our	our	PRON
fsr-3279	70	14	main	main	ADJ
fsr-3279	70	15	analyses	analysis	NOUN
fsr-3279	70	16	,	,	PUNCT
fsr-3279	70	17	households	household	NOUN
fsr-3279	70	18	with	with	ADP
fsr-3279	70	19	non	non	ADJ
fsr-3279	70	20	-	-	ADJ
fsr-3279	70	21	retired	retired	ADJ
fsr-3279	70	22	heads	head	NOUN
fsr-3279	70	23	(	(	PUNCT
fsr-3279	70	24	n	n	X
fsr-3279	70	25	�	�	PROPN
fsr-3279	70	26	5,665	5,665	NUM
fsr-3279	70	27	)	)	PUNCT
fsr-3279	70	28	are	be	AUX
fsr-3279	70	29	analyzed	analyze	VERB
fsr-3279	70	30	.	.	PUNCT
fsr-3279	71	1	2.3	2.3	NUM
fsr-3279	71	2	.	.	PUNCT
fsr-3279	72	1	dependent	dependent	ADJ
fsr-3279	72	2	variable	variable	NOUN
fsr-3279	72	3	if	if	SCONJ
fsr-3279	72	4	an	an	DET
fsr-3279	72	5	investment	investment	NOUN
fsr-3279	72	6	ratio	ratio	NOUN
fsr-3279	72	7	is	be	AUX
fsr-3279	72	8	to	to	PART
fsr-3279	72	9	provide	provide	VERB
fsr-3279	72	10	some	some	DET
fsr-3279	72	11	guidance	guidance	NOUN
fsr-3279	72	12	for	for	ADP
fsr-3279	72	13	financial	financial	ADJ
fsr-3279	72	14	planning	planning	NOUN
fsr-3279	72	15	,	,	PUNCT
fsr-3279	72	16	presumably	presumably	ADV
fsr-3279	72	17	the	the	DET
fsr-3279	72	18	level	level	NOUN
fsr-3279	72	19	of	of	ADP
fsr-3279	72	20	the	the	DET
fsr-3279	72	21	ratio	ratio	NOUN
fsr-3279	72	22	should	should	AUX
fsr-3279	72	23	be	be	AUX
fsr-3279	72	24	related	relate	VERB
fsr-3279	72	25	to	to	ADP
fsr-3279	72	26	projected	project	VERB
fsr-3279	72	27	retirement	retirement	NOUN
fsr-3279	72	28	adequacy	adequacy	NOUN
fsr-3279	72	29	.	.	PUNCT
fsr-3279	73	1	this	this	PRON
fsr-3279	73	2	is	be	AUX
fsr-3279	73	3	the	the	DET
fsr-3279	73	4	approach	approach	NOUN
fsr-3279	73	5	used	use	VERB
fsr-3279	73	6	by	by	ADP
fsr-3279	73	7	yao	yao	PROPN
fsr-3279	73	8	et	et	PROPN
fsr-3279	73	9	al	al	PROPN
fsr-3279	73	10	.	.	PROPN
fsr-3279	74	1	(	(	PUNCT
fsr-3279	74	2	2003	2003	NUM
fsr-3279	74	3	)	)	PUNCT
fsr-3279	74	4	,	,	PUNCT
fsr-3279	74	5	although	although	SCONJ
fsr-3279	74	6	they	they	PRON
fsr-3279	74	7	use	use	VERB
fsr-3279	74	8	arbitrary	arbitrary	ADJ
fsr-3279	74	9	levels	level	NOUN
fsr-3279	74	10	of	of	ADP
fsr-3279	74	11	the	the	DET
fsr-3279	74	12	capital	capital	NOUN
fsr-3279	74	13	accumulation	accumulation	NOUN
fsr-3279	74	14	ratio	ratio	NOUN
fsr-3279	74	15	and	and	CCONJ
fsr-3279	74	16	analyze	analyze	VERB
fsr-3279	74	17	the	the	DET
fsr-3279	74	18	effect	effect	NOUN
fsr-3279	74	19	on	on	ADP
fsr-3279	74	20	an	an	DET
fsr-3279	74	21	objective	objective	ADJ
fsr-3279	74	22	measure	measure	NOUN
fsr-3279	74	23	of	of	ADP
fsr-3279	74	24	retirement	retirement	NOUN
fsr-3279	74	25	adequacy	adequacy	NOUN
fsr-3279	74	26	.	.	PUNCT
fsr-3279	75	1	in	in	ADP
fsr-3279	75	2	this	this	DET
fsr-3279	75	3	exploratory	exploratory	ADJ
fsr-3279	75	4	study	study	NOUN
fsr-3279	75	5	,	,	PUNCT
fsr-3279	75	6	we	we	PRON
fsr-3279	75	7	use	use	VERB
fsr-3279	75	8	the	the	DET
fsr-3279	75	9	household	household	NOUN
fsr-3279	75	10	’s	’s	PART
fsr-3279	75	11	subjective	subjective	ADJ
fsr-3279	75	12	assessment	assessment	NOUN
fsr-3279	75	13	of	of	ADP
fsr-3279	75	14	retirement	retirement	NOUN
fsr-3279	75	15	adequacy	adequacy	NOUN
fsr-3279	75	16	as	as	ADP
fsr-3279	75	17	a	a	DET
fsr-3279	75	18	dependent	dependent	ADJ
fsr-3279	75	19	variable	variable	NOUN
fsr-3279	75	20	.	.	PUNCT
fsr-3279	76	1	the	the	DET
fsr-3279	76	2	scf	scf	PROPN
fsr-3279	76	3	variable	variable	NOUN
fsr-3279	76	4	(	(	PUNCT
fsr-3279	76	5	x3023	x3023	PROPN
fsr-3279	76	6	)	)	PUNCT
fsr-3279	76	7	has	have	VERB
fsr-3279	76	8	five	five	NUM
fsr-3279	76	9	levels	level	NOUN
fsr-3279	76	10	:	:	PUNCT
fsr-3279	77	1	x3023	x3023	PROPN
fsr-3279	77	2	using	use	VERB
fsr-3279	77	3	any	any	DET
fsr-3279	77	4	number	number	NOUN
fsr-3279	77	5	from	from	ADP
fsr-3279	77	6	one	one	NUM
fsr-3279	77	7	to	to	ADP
fsr-3279	77	8	five	five	NUM
fsr-3279	77	9	,	,	PUNCT
fsr-3279	77	10	where	where	SCONJ
fsr-3279	77	11	one	one	PRON
fsr-3279	77	12	equals	equal	VERB
fsr-3279	77	13	totally	totally	ADV
fsr-3279	77	14	inadequate	inadequate	ADJ
fsr-3279	77	15	and	and	CCONJ
fsr-3279	77	16	five	five	NUM
fsr-3279	77	17	equals	equal	VERB
fsr-3279	77	18	very	very	ADV
fsr-3279	77	19	satisfactory	satisfactory	ADJ
fsr-3279	77	20	,	,	PUNCT
fsr-3279	77	21	how	how	SCONJ
fsr-3279	77	22	would	would	AUX
fsr-3279	77	23	you	you	PRON
fsr-3279	77	24	rate	rate	VERB
fsr-3279	77	25	the	the	DET
fsr-3279	77	26	retirement	retirement	NOUN
fsr-3279	77	27	income	income	NOUN
fsr-3279	77	28	you	you	PRON
fsr-3279	77	29	receive	receive	VERB
fsr-3279	77	30	(	(	PUNCT
fsr-3279	77	31	or	or	CCONJ
fsr-3279	77	32	expect	expect	VERB
fsr-3279	77	33	to	to	ADP
fsr-3279	77	34	266	266	NUM
fsr-3279	77	35	s.d	s.d	PROPN
fsr-3279	77	36	.	.	PROPN
fsr-3279	77	37	hanna	hanna	PROPN
fsr-3279	77	38	,	,	PUNCT
fsr-3279	77	39	k.t	k.t	PROPN
fsr-3279	77	40	.	.	PROPN
fsr-3279	77	41	kim	kim	PROPN
fsr-3279	77	42	/	/	SYM
fsr-3279	77	43	financial	financial	ADJ
fsr-3279	77	44	services	service	NOUN
fsr-3279	77	45	review	review	VERB
fsr-3279	77	46	25	25	NUM
fsr-3279	77	47	(	(	PUNCT
fsr-3279	77	48	2016	2016	NUM
fsr-3279	77	49	)	)	PUNCT
fsr-3279	78	1	263–277	263–277	NUM
fsr-3279	78	2	receive	receive	NOUN
fsr-3279	78	3	)	)	PUNCT
fsr-3279	78	4	from	from	ADP
fsr-3279	78	5	social	social	ADJ
fsr-3279	78	6	security	security	NOUN
fsr-3279	78	7	and	and	CCONJ
fsr-3279	78	8	job	job	NOUN
fsr-3279	78	9	pensions	pension	NOUN
fsr-3279	78	10	?	?	PUNCT
fsr-3279	78	11	include	include	VERB
fsr-3279	78	12	401(k	401(k	NOUN
fsr-3279	78	13	)	)	PUNCT
fsr-3279	78	14	accounts	account	NOUN
fsr-3279	78	15	and	and	CCONJ
fsr-3279	78	16	all	all	DET
fsr-3279	78	17	other	other	ADJ
fsr-3279	78	18	types	type	NOUN
fsr-3279	78	19	of	of	ADP
fsr-3279	78	20	pensions	pension	NOUN
fsr-3279	78	21	.	.	PUNCT
fsr-3279	79	1	1	1	X
fsr-3279	79	2	.	.	X
fsr-3279	79	3	*	*	PUNCT
fsr-3279	79	4	totally	totally	ADV
fsr-3279	79	5	inadequate	inadequate	ADJ
fsr-3279	79	6	2	2	NUM
fsr-3279	79	7	.	.	NOUN
fsr-3279	79	8	3	3	NUM
fsr-3279	79	9	.	.	X
fsr-3279	80	1	*	*	VERB
fsr-3279	80	2	enough	enough	ADV
fsr-3279	80	3	to	to	PART
fsr-3279	80	4	maintain	maintain	VERB
fsr-3279	80	5	living	living	NOUN
fsr-3279	80	6	standards	standard	NOUN
fsr-3279	80	7	4	4	NUM
fsr-3279	80	8	.	.	NOUN
fsr-3279	80	9	5	5	NUM
fsr-3279	80	10	.	.	X
fsr-3279	80	11	*	*	PUNCT
fsr-3279	80	12	very	very	ADV
fsr-3279	80	13	satisfactory	satisfactory	ADJ
fsr-3279	80	14	kim	kim	PROPN
fsr-3279	80	15	and	and	CCONJ
fsr-3279	80	16	hanna	hanna	PROPN
fsr-3279	80	17	(	(	PUNCT
fsr-3279	80	18	2015	2015	NUM
fsr-3279	80	19	)	)	PUNCT
fsr-3279	80	20	show	show	VERB
fsr-3279	80	21	that	that	SCONJ
fsr-3279	80	22	this	this	DET
fsr-3279	80	23	variable	variable	NOUN
fsr-3279	80	24	is	be	AUX
fsr-3279	80	25	related	relate	VERB
fsr-3279	80	26	to	to	ADP
fsr-3279	80	27	an	an	DET
fsr-3279	80	28	objective	objective	ADJ
fsr-3279	80	29	estimate	estimate	NOUN
fsr-3279	80	30	of	of	ADP
fsr-3279	80	31	retirement	retirement	NOUN
fsr-3279	80	32	adequacy	adequacy	NOUN
fsr-3279	80	33	,	,	PUNCT
fsr-3279	80	34	although	although	SCONJ
fsr-3279	80	35	not	not	PART
fsr-3279	80	36	perfectly	perfectly	ADV
fsr-3279	80	37	.	.	PUNCT
fsr-3279	81	1	if	if	SCONJ
fsr-3279	81	2	we	we	PRON
fsr-3279	81	3	want	want	VERB
fsr-3279	81	4	to	to	PART
fsr-3279	81	5	include	include	VERB
fsr-3279	81	6	households	household	NOUN
fsr-3279	81	7	of	of	ADP
fsr-3279	81	8	all	all	DET
fsr-3279	81	9	ages	age	NOUN
fsr-3279	81	10	,	,	PUNCT
fsr-3279	81	11	and	and	CCONJ
fsr-3279	81	12	not	not	PART
fsr-3279	81	13	make	make	VERB
fsr-3279	81	14	arbitrary	arbitrary	ADJ
fsr-3279	81	15	assumptions	assumption	NOUN
fsr-3279	81	16	about	about	ADP
fsr-3279	81	17	the	the	DET
fsr-3279	81	18	retirement	retirement	NOUN
fsr-3279	81	19	ages	age	NOUN
fsr-3279	81	20	of	of	ADP
fsr-3279	81	21	those	those	PRON
fsr-3279	81	22	who	who	PRON
fsr-3279	81	23	did	do	AUX
fsr-3279	81	24	not	not	PART
fsr-3279	81	25	list	list	VERB
fsr-3279	81	26	a	a	DET
fsr-3279	81	27	specific	specific	ADJ
fsr-3279	81	28	retirement	retirement	NOUN
fsr-3279	81	29	age	age	NOUN
fsr-3279	81	30	,	,	PUNCT
fsr-3279	81	31	the	the	DET
fsr-3279	81	32	subjective	subjective	ADJ
fsr-3279	81	33	measure	measure	NOUN
fsr-3279	81	34	of	of	ADP
fsr-3279	81	35	retirement	retirement	NOUN
fsr-3279	81	36	adequacy	adequacy	NOUN
fsr-3279	81	37	has	have	VERB
fsr-3279	81	38	advantages	advantage	NOUN
fsr-3279	81	39	over	over	ADP
fsr-3279	81	40	the	the	DET
fsr-3279	81	41	objective	objective	ADJ
fsr-3279	81	42	measure	measure	NOUN
fsr-3279	81	43	.	.	PUNCT
fsr-3279	82	1	three	three	NUM
fsr-3279	82	2	ols	ol	NOUN
fsr-3279	82	3	regressions	regression	NOUN
fsr-3279	82	4	on	on	ADP
fsr-3279	82	5	subjective	subjective	ADJ
fsr-3279	82	6	retirement	retirement	NOUN
fsr-3279	82	7	adequacy	adequacy	NOUN
fsr-3279	82	8	are	be	AUX
fsr-3279	82	9	run	run	VERB
fsr-3279	82	10	,	,	PUNCT
fsr-3279	82	11	controlling	control	VERB
fsr-3279	82	12	for	for	ADP
fsr-3279	82	13	age	age	NOUN
fsr-3279	82	14	of	of	ADP
fsr-3279	82	15	head	head	NOUN
fsr-3279	82	16	,	,	PUNCT
fsr-3279	82	17	age	age	NOUN
fsr-3279	82	18	squared	square	VERB
fsr-3279	82	19	,	,	PUNCT
fsr-3279	82	20	homeownership	homeownership	NOUN
fsr-3279	82	21	status	status	NOUN
fsr-3279	82	22	,	,	PUNCT
fsr-3279	82	23	having	have	VERB
fsr-3279	82	24	a	a	DET
fsr-3279	82	25	defined	define	VERB
fsr-3279	82	26	benefit	benefit	NOUN
fsr-3279	82	27	pension	pension	NOUN
fsr-3279	82	28	,	,	PUNCT
fsr-3279	82	29	employment	employment	NOUN
fsr-3279	82	30	status	status	NOUN
fsr-3279	82	31	and	and	CCONJ
fsr-3279	82	32	one	one	NUM
fsr-3279	82	33	of	of	ADP
fsr-3279	82	34	the	the	DET
fsr-3279	82	35	ratio	ratio	NOUN
fsr-3279	82	36	variables	variable	NOUN
fsr-3279	82	37	.	.	PUNCT
fsr-3279	83	1	to	to	PART
fsr-3279	83	2	allow	allow	VERB
fsr-3279	83	3	for	for	ADP
fsr-3279	83	4	nonlinear	nonlinear	ADJ
fsr-3279	83	5	effects	effect	NOUN
fsr-3279	83	6	of	of	ADP
fsr-3279	83	7	the	the	DET
fsr-3279	83	8	ratios	ratio	NOUN
fsr-3279	83	9	on	on	ADP
fsr-3279	83	10	subjective	subjective	ADJ
fsr-3279	83	11	retirement	retirement	NOUN
fsr-3279	83	12	adequacy	adequacy	NOUN
fsr-3279	83	13	,	,	PUNCT
fsr-3279	83	14	a	a	DET
fsr-3279	83	15	quadratic	quadratic	ADJ
fsr-3279	83	16	term	term	NOUN
fsr-3279	83	17	for	for	ADP
fsr-3279	83	18	the	the	DET
fsr-3279	83	19	ratio	ratio	NOUN
fsr-3279	83	20	is	be	AUX
fsr-3279	83	21	also	also	ADV
fsr-3279	83	22	included	include	VERB
fsr-3279	83	23	.	.	PUNCT
fsr-3279	84	1	we	we	PRON
fsr-3279	84	2	include	include	VERB
fsr-3279	84	3	linear	linear	ADJ
fsr-3279	84	4	and	and	CCONJ
fsr-3279	84	5	quadratic	quadratic	ADJ
fsr-3279	84	6	terms	term	NOUN
fsr-3279	84	7	for	for	ADP
fsr-3279	84	8	both	both	DET
fsr-3279	84	9	age	age	NOUN
fsr-3279	84	10	and	and	CCONJ
fsr-3279	84	11	for	for	ADP
fsr-3279	84	12	each	each	DET
fsr-3279	84	13	ratio	ratio	NOUN
fsr-3279	84	14	.	.	PUNCT
fsr-3279	85	1	appendix	appendix	VERB
fsr-3279	85	2	a	a	DET
fsr-3279	85	3	shows	show	NOUN
fsr-3279	85	4	how	how	SCONJ
fsr-3279	85	5	to	to	PART
fsr-3279	85	6	obtain	obtain	VERB
fsr-3279	85	7	the	the	DET
fsr-3279	85	8	optimum	optimum	ADJ
fsr-3279	85	9	level	level	NOUN
fsr-3279	85	10	(	(	PUNCT
fsr-3279	85	11	extreme	extreme	ADJ
fsr-3279	85	12	point	point	NOUN
fsr-3279	85	13	)	)	PUNCT
fsr-3279	85	14	for	for	ADP
fsr-3279	85	15	age	age	NOUN
fsr-3279	85	16	and	and	CCONJ
fsr-3279	85	17	for	for	ADP
fsr-3279	85	18	each	each	DET
fsr-3279	85	19	ratio	ratio	NOUN
fsr-3279	85	20	using	use	VERB
fsr-3279	85	21	basic	basic	ADJ
fsr-3279	85	22	principles	principle	NOUN
fsr-3279	85	23	from	from	ADP
fsr-3279	85	24	calculus	calculus	NOUN
fsr-3279	85	25	.	.	PUNCT
fsr-3279	86	1	2.4	2.4	NUM
fsr-3279	86	2	.	.	PUNCT
fsr-3279	87	1	independent	independent	ADJ
fsr-3279	87	2	variables	variable	NOUN
fsr-3279	87	3	2.4.1	2.4.1	NUM
fsr-3279	87	4	.	.	PUNCT
fsr-3279	88	1	key	key	ADJ
fsr-3279	88	2	variables	variable	NOUN
fsr-3279	88	3	:	:	PUNCT
fsr-3279	88	4	three	three	NUM
fsr-3279	88	5	investment	investment	NOUN
fsr-3279	88	6	ratios	ratio	NOUN
fsr-3279	88	7	each	each	PRON
fsr-3279	88	8	of	of	ADP
fsr-3279	88	9	the	the	DET
fsr-3279	88	10	ratios	ratio	NOUN
fsr-3279	88	11	has	have	VERB
fsr-3279	88	12	the	the	DET
fsr-3279	88	13	value	value	NOUN
fsr-3279	88	14	of	of	ADP
fsr-3279	88	15	investments	investment	NOUN
fsr-3279	88	16	in	in	ADP
fsr-3279	88	17	the	the	DET
fsr-3279	88	18	numerator	numerator	NOUN
fsr-3279	88	19	.	.	PUNCT
fsr-3279	89	1	investment	investment	NOUN
fsr-3279	89	2	assets	asset	NOUN
fsr-3279	89	3	consist	consist	VERB
fsr-3279	89	4	of	of	ADP
fsr-3279	89	5	all	all	DET
fsr-3279	89	6	financial	financial	ADJ
fsr-3279	89	7	assets	asset	NOUN
fsr-3279	89	8	other	other	ADJ
fsr-3279	89	9	than	than	ADP
fsr-3279	89	10	monetary	monetary	ADJ
fsr-3279	89	11	assets	asset	NOUN
fsr-3279	89	12	such	such	ADJ
fsr-3279	89	13	as	as	ADP
fsr-3279	89	14	checking	check	VERB
fsr-3279	89	15	and	and	CCONJ
fsr-3279	89	16	saving	save	VERB
fsr-3279	89	17	accounts	account	NOUN
fsr-3279	89	18	,	,	PUNCT
fsr-3279	89	19	plus	plus	CCONJ
fsr-3279	89	20	nonfinancial	nonfinancial	ADJ
fsr-3279	89	21	assets	asset	NOUN
fsr-3279	89	22	such	such	ADJ
fsr-3279	89	23	as	as	ADP
fsr-3279	89	24	art	art	NOUN
fsr-3279	89	25	work	work	NOUN
fsr-3279	89	26	,	,	PUNCT
fsr-3279	89	27	antiques	antique	NOUN
fsr-3279	89	28	,	,	PUNCT
fsr-3279	89	29	net	net	ADJ
fsr-3279	89	30	business	business	NOUN
fsr-3279	89	31	assets	asset	NOUN
fsr-3279	89	32	,	,	PUNCT
fsr-3279	89	33	and	and	CCONJ
fsr-3279	89	34	real	real	ADJ
fsr-3279	89	35	estate	estate	NOUN
fsr-3279	89	36	other	other	ADJ
fsr-3279	89	37	than	than	ADP
fsr-3279	89	38	the	the	DET
fsr-3279	89	39	personal	personal	ADJ
fsr-3279	89	40	residence	residence	NOUN
fsr-3279	89	41	.	.	PUNCT
fsr-3279	90	1	monetary	monetary	ADJ
fsr-3279	90	2	(	(	PUNCT
fsr-3279	90	3	liquid	liquid	ADJ
fsr-3279	90	4	)	)	PUNCT
fsr-3279	90	5	assets	asset	NOUN
fsr-3279	90	6	include	include	VERB
fsr-3279	90	7	checking	checking	NOUN
fsr-3279	90	8	,	,	PUNCT
fsr-3279	90	9	savings	saving	NOUN
fsr-3279	90	10	,	,	PUNCT
fsr-3279	90	11	money	money	NOUN
fsr-3279	90	12	market	market	NOUN
fsr-3279	90	13	,	,	PUNCT
fsr-3279	90	14	and	and	CCONJ
fsr-3279	90	15	call	call	VERB
fsr-3279	90	16	accounts	account	NOUN
fsr-3279	90	17	,	,	PUNCT
fsr-3279	90	18	and	and	CCONJ
fsr-3279	90	19	are	be	AUX
fsr-3279	90	20	not	not	PART
fsr-3279	90	21	counted	count	VERB
fsr-3279	90	22	as	as	ADP
fsr-3279	90	23	part	part	NOUN
fsr-3279	90	24	of	of	ADP
fsr-3279	90	25	investment	investment	NOUN
fsr-3279	90	26	assets	asset	NOUN
fsr-3279	90	27	,	,	PUNCT
fsr-3279	90	28	although	although	SCONJ
fsr-3279	90	29	certificates	certificate	NOUN
fsr-3279	90	30	of	of	ADP
fsr-3279	90	31	deposit	deposit	NOUN
fsr-3279	90	32	are	be	AUX
fsr-3279	90	33	included	include	VERB
fsr-3279	90	34	as	as	ADP
fsr-3279	90	35	investment	investment	NOUN
fsr-3279	90	36	assets	asset	NOUN
fsr-3279	90	37	.	.	PUNCT
fsr-3279	91	1	net	net	ADJ
fsr-3279	91	2	worth	worth	NOUN
fsr-3279	91	3	is	be	AUX
fsr-3279	91	4	the	the	DET
fsr-3279	91	5	sum	sum	NOUN
fsr-3279	91	6	of	of	ADP
fsr-3279	91	7	monetary	monetary	ADJ
fsr-3279	91	8	assets	asset	NOUN
fsr-3279	91	9	,	,	PUNCT
fsr-3279	91	10	investment	investment	NOUN
fsr-3279	91	11	assets	asset	NOUN
fsr-3279	91	12	,	,	PUNCT
fsr-3279	91	13	and	and	CCONJ
fsr-3279	91	14	non	non	ADJ
fsr-3279	91	15	-	-	ADJ
fsr-3279	91	16	financial	financial	ADJ
fsr-3279	91	17	assets	asset	NOUN
fsr-3279	91	18	minus	minus	ADP
fsr-3279	91	19	consumer	consumer	NOUN
fsr-3279	91	20	debt	debt	NOUN
fsr-3279	91	21	and	and	CCONJ
fsr-3279	91	22	property	property	NOUN
fsr-3279	91	23	debt	debt	NOUN
fsr-3279	91	24	.	.	PUNCT
fsr-3279	92	1	as	as	SCONJ
fsr-3279	92	2	shown	show	VERB
fsr-3279	92	3	in	in	ADP
fsr-3279	92	4	the	the	DET
fsr-3279	92	5	descriptive	descriptive	ADJ
fsr-3279	92	6	results	result	NOUN
fsr-3279	92	7	below	below	ADV
fsr-3279	92	8	,	,	PUNCT
fsr-3279	92	9	there	there	PRON
fsr-3279	92	10	are	be	VERB
fsr-3279	92	11	some	some	DET
fsr-3279	92	12	extreme	extreme	ADJ
fsr-3279	92	13	values	value	NOUN
fsr-3279	92	14	of	of	ADP
fsr-3279	92	15	the	the	DET
fsr-3279	92	16	ratio	ratio	NOUN
fsr-3279	92	17	,	,	PUNCT
fsr-3279	92	18	so	so	SCONJ
fsr-3279	92	19	some	some	DET
fsr-3279	92	20	adjustments	adjustment	NOUN
fsr-3279	92	21	are	be	AUX
fsr-3279	92	22	made	make	VERB
fsr-3279	92	23	for	for	ADP
fsr-3279	92	24	the	the	DET
fsr-3279	92	25	regression	regression	NOUN
fsr-3279	92	26	analysis	analysis	NOUN
fsr-3279	92	27	.	.	PUNCT
fsr-3279	93	1	in	in	ADP
fsr-3279	93	2	our	our	PRON
fsr-3279	93	3	analytic	analytic	ADJ
fsr-3279	93	4	sample	sample	NOUN
fsr-3279	93	5	,	,	PUNCT
fsr-3279	93	6	71	71	NUM
fsr-3279	93	7	%	%	NOUN
fsr-3279	93	8	of	of	ADP
fsr-3279	93	9	households	household	NOUN
fsr-3279	93	10	have	have	VERB
fsr-3279	93	11	positive	positive	ADJ
fsr-3279	93	12	amounts	amount	NOUN
fsr-3279	93	13	of	of	ADP
fsr-3279	93	14	investments	investment	NOUN
fsr-3279	93	15	.	.	PUNCT
fsr-3279	94	1	the	the	DET
fsr-3279	94	2	capital	capital	NOUN
fsr-3279	94	3	accumulation	accumulation	NOUN
fsr-3279	94	4	ratio	ratio	NOUN
fsr-3279	94	5	is	be	AUX
fsr-3279	94	6	defined	define	VERB
fsr-3279	94	7	as	as	ADP
fsr-3279	94	8	investment	investment	NOUN
fsr-3279	94	9	assets	asset	NOUN
fsr-3279	94	10	-	-	PUNCT
fsr-3279	94	11	to	to	ADP
fsr-3279	94	12	-	-	PUNCT
fsr-3279	94	13	net	net	NOUN
fsr-3279	94	14	worth	worth	NOUN
fsr-3279	94	15	and	and	CCONJ
fsr-3279	94	16	is	be	AUX
fsr-3279	94	17	calculated	calculate	VERB
fsr-3279	94	18	from	from	ADP
fsr-3279	94	19	information	information	NOUN
fsr-3279	94	20	on	on	ADP
fsr-3279	94	21	investment	investment	NOUN
fsr-3279	94	22	assets	asset	NOUN
fsr-3279	94	23	and	and	CCONJ
fsr-3279	94	24	net	net	ADJ
fsr-3279	94	25	worth	worth	NOUN
fsr-3279	94	26	.	.	PUNCT
fsr-3279	95	1	if	if	SCONJ
fsr-3279	95	2	net	net	ADJ
fsr-3279	95	3	worth	worth	NOUN
fsr-3279	95	4	is	be	AUX
fsr-3279	95	5	zero	zero	NUM
fsr-3279	95	6	or	or	CCONJ
fsr-3279	95	7	negative	negative	ADJ
fsr-3279	95	8	,	,	PUNCT
fsr-3279	95	9	then	then	ADV
fsr-3279	95	10	the	the	DET
fsr-3279	95	11	ratio	ratio	NOUN
fsr-3279	95	12	is	be	AUX
fsr-3279	95	13	defined	define	VERB
fsr-3279	95	14	as	as	ADP
fsr-3279	95	15	equal	equal	ADJ
fsr-3279	95	16	to	to	ADP
fsr-3279	95	17	the	the	DET
fsr-3279	95	18	value	value	NOUN
fsr-3279	95	19	of	of	ADP
fsr-3279	95	20	investments	investment	NOUN
fsr-3279	95	21	,	,	PUNCT
fsr-3279	95	22	in	in	ADP
fsr-3279	95	23	other	other	ADJ
fsr-3279	95	24	words	word	NOUN
fsr-3279	95	25	,	,	PUNCT
fsr-3279	95	26	the	the	DET
fsr-3279	95	27	denominator	denominator	NOUN
fsr-3279	95	28	will	will	AUX
fsr-3279	95	29	be	be	AUX
fsr-3279	95	30	assumed	assume	VERB
fsr-3279	95	31	to	to	PART
fsr-3279	95	32	be	be	AUX
fsr-3279	95	33	equal	equal	ADJ
fsr-3279	95	34	to	to	ADP
fsr-3279	95	35	one	one	NUM
fsr-3279	95	36	(	(	PUNCT
fsr-3279	95	37	cf	cf	NOUN
fsr-3279	95	38	.	.	PUNCT
fsr-3279	95	39	,	,	PUNCT
fsr-3279	95	40	letkiewicz	letkiewicz	NOUN
fsr-3279	95	41	and	and	CCONJ
fsr-3279	95	42	hanna	hanna	NOUN
fsr-3279	95	43	,	,	PUNCT
fsr-3279	95	44	2013	2013	NUM
fsr-3279	95	45	)	)	PUNCT
fsr-3279	95	46	.	.	PUNCT
fsr-3279	96	1	table	table	NOUN
fsr-3279	96	2	1	1	NUM
fsr-3279	96	3	illustrates	illustrate	VERB
fsr-3279	96	4	the	the	DET
fsr-3279	96	5	rationale	rationale	NOUN
fsr-3279	96	6	for	for	ADP
fsr-3279	96	7	recoding	recode	VERB
fsr-3279	96	8	the	the	DET
fsr-3279	96	9	ratio	ratio	NOUN
fsr-3279	96	10	for	for	ADP
fsr-3279	96	11	values	value	NOUN
fsr-3279	96	12	of	of	ADP
fsr-3279	96	13	net	net	ADJ
fsr-3279	96	14	worth	worth	NOUN
fsr-3279	96	15	less	less	ADJ
fsr-3279	96	16	than	than	ADP
fsr-3279	96	17	or	or	CCONJ
fsr-3279	96	18	equal	equal	ADJ
fsr-3279	96	19	to	to	ADP
fsr-3279	96	20	zero	zero	NUM
fsr-3279	96	21	.	.	PUNCT
fsr-3279	97	1	assume	assume	VERB
fsr-3279	97	2	that	that	SCONJ
fsr-3279	97	3	the	the	DET
fsr-3279	97	4	value	value	NOUN
fsr-3279	97	5	of	of	ADP
fsr-3279	97	6	investment	investment	NOUN
fsr-3279	97	7	assets	asset	NOUN
fsr-3279	97	8	equals	equal	VERB
fsr-3279	97	9	$	$	SYM
fsr-3279	97	10	10,000	10,000	NUM
fsr-3279	97	11	.	.	PUNCT
fsr-3279	98	1	for	for	ADP
fsr-3279	98	2	a	a	DET
fsr-3279	98	3	household	household	NOUN
fsr-3279	98	4	with	with	ADP
fsr-3279	98	5	net	net	ADJ
fsr-3279	98	6	worth	worth	NOUN
fsr-3279	98	7	of	of	ADP
fsr-3279	98	8	$	$	SYM
fsr-3279	98	9	100,000	100,000	NUM
fsr-3279	98	10	,	,	PUNCT
fsr-3279	98	11	the	the	DET
fsr-3279	98	12	ratio	ratio	NOUN
fsr-3279	98	13	is	be	AUX
fsr-3279	98	14	0.1	0.1	NUM
fsr-3279	98	15	,	,	PUNCT
fsr-3279	98	16	and	and	CCONJ
fsr-3279	98	17	for	for	ADP
fsr-3279	98	18	a	a	DET
fsr-3279	98	19	household	household	NOUN
fsr-3279	98	20	with	with	ADP
fsr-3279	98	21	$	$	SYM
fsr-3279	98	22	10,000	10,000	NUM
fsr-3279	98	23	of	of	ADP
fsr-3279	98	24	net	net	ADJ
fsr-3279	98	25	worth	worth	NOUN
fsr-3279	98	26	,	,	PUNCT
fsr-3279	98	27	the	the	DET
fsr-3279	98	28	ratio	ratio	NOUN
fsr-3279	98	29	is	be	AUX
fsr-3279	98	30	1.0	1.0	NUM
fsr-3279	98	31	.	.	PUNCT
fsr-3279	99	1	however	however	ADV
fsr-3279	99	2	,	,	PUNCT
fsr-3279	99	3	as	as	ADP
fsr-3279	99	4	net	net	ADJ
fsr-3279	99	5	worth	worth	ADJ
fsr-3279	99	6	approaches	approach	NOUN
fsr-3279	99	7	zero	zero	NUM
fsr-3279	99	8	,	,	PUNCT
fsr-3279	99	9	the	the	DET
fsr-3279	99	10	ratio	ratio	NOUN
fsr-3279	99	11	increases	increase	NOUN
fsr-3279	99	12	,	,	PUNCT
fsr-3279	99	13	for	for	ADP
fsr-3279	99	14	example	example	NOUN
fsr-3279	99	15	,	,	PUNCT
fsr-3279	99	16	it	it	PRON
fsr-3279	99	17	is	be	AUX
fsr-3279	99	18	10,000	10,000	NUM
fsr-3279	99	19	for	for	ADP
fsr-3279	99	20	net	net	ADJ
fsr-3279	99	21	worth	worth	NOUN
fsr-3279	99	22	of	of	ADP
fsr-3279	99	23	$	$	SYM
fsr-3279	99	24	1	1	NUM
fsr-3279	99	25	,	,	PUNCT
fsr-3279	99	26	and	and	CCONJ
fsr-3279	99	27	the	the	DET
fsr-3279	99	28	ratio	ratio	NOUN
fsr-3279	99	29	is	be	AUX
fsr-3279	99	30	not	not	PART
fsr-3279	99	31	defined	define	VERB
fsr-3279	99	32	for	for	ADP
fsr-3279	99	33	net	net	ADJ
fsr-3279	99	34	worth	worth	NOUN
fsr-3279	99	35	of	of	ADP
fsr-3279	99	36	zero	zero	NUM
fsr-3279	99	37	.	.	PUNCT
fsr-3279	100	1	conceptually	conceptually	ADV
fsr-3279	100	2	,	,	PUNCT
fsr-3279	100	3	as	as	SCONJ
fsr-3279	100	4	net	net	ADJ
fsr-3279	100	5	worth	worth	ADJ
fsr-3279	100	6	decreases	decrease	VERB
fsr-3279	100	7	in	in	ADP
fsr-3279	100	8	the	the	DET
fsr-3279	100	9	positive	positive	ADJ
fsr-3279	100	10	range	range	NOUN
fsr-3279	100	11	,	,	PUNCT
fsr-3279	100	12	the	the	DET
fsr-3279	100	13	increase	increase	NOUN
fsr-3279	100	14	in	in	ADP
fsr-3279	100	15	the	the	DET
fsr-3279	100	16	ratio	ratio	NOUN
fsr-3279	100	17	values	value	NOUN
fsr-3279	100	18	represents	represent	VERB
fsr-3279	100	19	increased	increase	VERB
fsr-3279	100	20	leverage	leverage	NOUN
fsr-3279	100	21	.	.	PUNCT
fsr-3279	101	1	however	however	ADV
fsr-3279	101	2	,	,	PUNCT
fsr-3279	101	3	as	as	SCONJ
fsr-3279	101	4	net	net	ADJ
fsr-3279	101	5	worth	worth	ADJ
fsr-3279	101	6	decreases	decrease	VERB
fsr-3279	101	7	from	from	ADP
fsr-3279	101	8	zero	zero	NUM
fsr-3279	101	9	in	in	ADP
fsr-3279	101	10	the	the	DET
fsr-3279	101	11	negative	negative	ADJ
fsr-3279	101	12	range	range	NOUN
fsr-3279	101	13	,	,	PUNCT
fsr-3279	101	14	the	the	DET
fsr-3279	101	15	ratios	ratio	NOUN
fsr-3279	101	16	are	be	AUX
fsr-3279	101	17	267s.d	267s.d	NUM
fsr-3279	101	18	.	.	PUNCT
fsr-3279	102	1	hanna	hanna	PROPN
fsr-3279	102	2	,	,	PUNCT
fsr-3279	102	3	k.t	k.t	PROPN
fsr-3279	102	4	.	.	PROPN
fsr-3279	102	5	kim	kim	PROPN
fsr-3279	102	6	/	/	SYM
fsr-3279	102	7	financial	financial	ADJ
fsr-3279	102	8	services	service	NOUN
fsr-3279	102	9	review	review	VERB
fsr-3279	102	10	25	25	NUM
fsr-3279	102	11	(	(	PUNCT
fsr-3279	102	12	2016	2016	NUM
fsr-3279	102	13	)	)	PUNCT
fsr-3279	103	1	263–277	263–277	NUM
fsr-3279	103	2	negative	negative	ADJ
fsr-3279	103	3	.	.	PUNCT
fsr-3279	104	1	for	for	ADP
fsr-3279	104	2	net	net	ADJ
fsr-3279	104	3	worth	worth	NOUN
fsr-3279	104	4	of	of	ADP
fsr-3279	104	5	$	$	SYM
fsr-3279	104	6	1	1	NUM
fsr-3279	104	7	,	,	PUNCT
fsr-3279	104	8	the	the	DET
fsr-3279	104	9	ratio	ratio	NOUN
fsr-3279	104	10	is	be	AUX
fsr-3279	104	11	10,000	10,000	NUM
fsr-3279	104	12	,	,	PUNCT
fsr-3279	104	13	but	but	CCONJ
fsr-3279	104	14	for	for	ADP
fsr-3279	104	15	a	a	DET
fsr-3279	104	16	net	net	ADJ
fsr-3279	104	17	worth	worth	NOUN
fsr-3279	104	18	of	of	ADP
fsr-3279	104	19	�	�	PROPN
fsr-3279	104	20	$	$	SYM
fsr-3279	104	21	1	1	NUM
fsr-3279	104	22	,	,	PUNCT
fsr-3279	104	23	the	the	DET
fsr-3279	104	24	ratio	ratio	NOUN
fsr-3279	104	25	is	be	AUX
fsr-3279	104	26	�	�	PROPN
fsr-3279	104	27	10,000	10,000	NUM
fsr-3279	104	28	.	.	PUNCT
fsr-3279	105	1	this	this	DET
fsr-3279	105	2	switch	switch	NOUN
fsr-3279	105	3	does	do	AUX
fsr-3279	105	4	not	not	PART
fsr-3279	105	5	make	make	VERB
fsr-3279	105	6	sense	sense	NOUN
fsr-3279	105	7	in	in	ADP
fsr-3279	105	8	terms	term	NOUN
fsr-3279	105	9	of	of	ADP
fsr-3279	105	10	our	our	PRON
fsr-3279	105	11	objective	objective	NOUN
fsr-3279	105	12	of	of	ADP
fsr-3279	105	13	relating	relate	VERB
fsr-3279	105	14	values	value	NOUN
fsr-3279	105	15	of	of	ADP
fsr-3279	105	16	the	the	DET
fsr-3279	105	17	ratio	ratio	NOUN
fsr-3279	105	18	to	to	ADP
fsr-3279	105	19	retirement	retirement	NOUN
fsr-3279	105	20	adequacy	adequacy	NOUN
fsr-3279	105	21	.	.	PUNCT
fsr-3279	106	1	in	in	ADP
fsr-3279	106	2	both	both	DET
fsr-3279	106	3	cases	case	NOUN
fsr-3279	106	4	the	the	DET
fsr-3279	106	5	household	household	NOUN
fsr-3279	106	6	is	be	AUX
fsr-3279	106	7	highly	highly	ADV
fsr-3279	106	8	leveraged	leveraged	ADJ
fsr-3279	106	9	.	.	PUNCT
fsr-3279	107	1	consider	consider	VERB
fsr-3279	107	2	somebody	somebody	PRON
fsr-3279	107	3	who	who	PRON
fsr-3279	107	4	just	just	ADV
fsr-3279	107	5	graduated	graduate	VERB
fsr-3279	107	6	from	from	ADP
fsr-3279	107	7	college	college	NOUN
fsr-3279	107	8	with	with	ADP
fsr-3279	107	9	$	$	SYM
fsr-3279	107	10	110,000	110,000	NUM
fsr-3279	107	11	of	of	ADP
fsr-3279	107	12	debt	debt	NOUN
fsr-3279	107	13	and	and	CCONJ
fsr-3279	107	14	no	no	DET
fsr-3279	107	15	assets	asset	NOUN
fsr-3279	107	16	other	other	ADJ
fsr-3279	107	17	than	than	ADP
fsr-3279	107	18	an	an	DET
fsr-3279	107	19	ira	ira	PROPN
fsr-3279	107	20	worth	worth	ADJ
fsr-3279	107	21	$	$	SYM
fsr-3279	107	22	10,000	10,000	NUM
fsr-3279	107	23	.	.	PUNCT
fsr-3279	108	1	even	even	ADV
fsr-3279	108	2	though	though	SCONJ
fsr-3279	108	3	the	the	DET
fsr-3279	108	4	situation	situation	NOUN
fsr-3279	108	5	is	be	AUX
fsr-3279	108	6	different	different	ADJ
fsr-3279	108	7	from	from	ADP
fsr-3279	108	8	somebody	somebody	PRON
fsr-3279	108	9	with	with	ADP
fsr-3279	108	10	net	net	ADJ
fsr-3279	108	11	worth	worth	NOUN
fsr-3279	108	12	of	of	ADP
fsr-3279	108	13	$	$	SYM
fsr-3279	108	14	1	1	NUM
fsr-3279	108	15	and	and	CCONJ
fsr-3279	108	16	an	an	DET
fsr-3279	108	17	ira	ira	PROPN
fsr-3279	108	18	worth	worth	ADJ
fsr-3279	108	19	$	$	SYM
fsr-3279	108	20	10,000	10,000	NUM
fsr-3279	108	21	,	,	PUNCT
fsr-3279	108	22	it	it	PRON
fsr-3279	108	23	seems	seem	VERB
fsr-3279	108	24	reasonable	reasonable	ADJ
fsr-3279	108	25	to	to	PART
fsr-3279	108	26	assign	assign	VERB
fsr-3279	108	27	a	a	DET
fsr-3279	108	28	value	value	NOUN
fsr-3279	108	29	of	of	ADP
fsr-3279	108	30	the	the	DET
fsr-3279	108	31	ratio	ratio	NOUN
fsr-3279	108	32	of	of	ADP
fsr-3279	108	33	10,000	10,000	NUM
fsr-3279	108	34	to	to	ADP
fsr-3279	108	35	both	both	DET
fsr-3279	108	36	cases	case	NOUN
fsr-3279	108	37	,	,	PUNCT
fsr-3279	108	38	rather	rather	ADV
fsr-3279	108	39	than	than	ADP
fsr-3279	108	40	a	a	DET
fsr-3279	108	41	ratio	ratio	NOUN
fsr-3279	108	42	of	of	ADP
fsr-3279	108	43	�	�	NOUN
fsr-3279	108	44	0.1	0.1	NUM
fsr-3279	108	45	to	to	ADP
fsr-3279	108	46	the	the	DET
fsr-3279	108	47	person	person	NOUN
fsr-3279	108	48	with	with	ADP
fsr-3279	108	49	$	$	SYM
fsr-3279	108	50	110,000	110,000	NUM
fsr-3279	108	51	of	of	ADP
fsr-3279	108	52	debt	debt	NOUN
fsr-3279	108	53	.	.	PUNCT
fsr-3279	109	1	therefore	therefore	ADV
fsr-3279	109	2	,	,	PUNCT
fsr-3279	109	3	we	we	PRON
fsr-3279	109	4	follow	follow	VERB
fsr-3279	109	5	the	the	DET
fsr-3279	109	6	example	example	NOUN
fsr-3279	109	7	of	of	ADP
fsr-3279	109	8	yao	yao	PROPN
fsr-3279	109	9	et	et	PROPN
fsr-3279	109	10	al	al	PROPN
fsr-3279	109	11	.	.	PROPN
fsr-3279	110	1	(	(	PUNCT
fsr-3279	110	2	2002	2002	NUM
fsr-3279	110	3	)	)	PUNCT
fsr-3279	110	4	and	and	CCONJ
fsr-3279	110	5	yao	yao	PROPN
fsr-3279	110	6	et	et	PROPN
fsr-3279	110	7	al	al	PROPN
fsr-3279	110	8	.	.	PROPN
fsr-3279	111	1	(	(	PUNCT
fsr-3279	111	2	2003	2003	NUM
fsr-3279	111	3	)	)	PUNCT
fsr-3279	112	1	and	and	CCONJ
fsr-3279	112	2	calculate	calculate	VERB
fsr-3279	112	3	the	the	DET
fsr-3279	112	4	ratio	ratio	NOUN
fsr-3279	112	5	as	as	ADP
fsr-3279	112	6	investments	investment	NOUN
fsr-3279	112	7	divided	divide	VERB
fsr-3279	112	8	by	by	ADP
fsr-3279	112	9	1.0	1.0	NUM
fsr-3279	112	10	if	if	SCONJ
fsr-3279	112	11	net	net	ADJ
fsr-3279	112	12	worth	worth	NOUN
fsr-3279	112	13	is	be	AUX
fsr-3279	112	14	non	non	ADJ
fsr-3279	112	15	-	-	ADJ
fsr-3279	112	16	positive	positive	ADJ
fsr-3279	112	17	.	.	PUNCT
fsr-3279	113	1	in	in	ADP
fsr-3279	113	2	our	our	PRON
fsr-3279	113	3	analytic	analytic	ADJ
fsr-3279	113	4	sample	sample	NOUN
fsr-3279	113	5	,	,	PUNCT
fsr-3279	113	6	there	there	PRON
fsr-3279	113	7	are	be	VERB
fsr-3279	113	8	579	579	NUM
fsr-3279	113	9	households	household	NOUN
fsr-3279	113	10	with	with	ADP
fsr-3279	113	11	zero	zero	NUM
fsr-3279	113	12	or	or	CCONJ
fsr-3279	113	13	negative	negative	ADJ
fsr-3279	113	14	net	net	ADJ
fsr-3279	113	15	worth	worth	NOUN
fsr-3279	113	16	(	(	PUNCT
fsr-3279	113	17	11.7	11.7	NUM
fsr-3279	113	18	%	%	NOUN
fsr-3279	113	19	of	of	ADP
fsr-3279	113	20	the	the	DET
fsr-3279	113	21	sample	sample	NOUN
fsr-3279	113	22	based	base	VERB
fsr-3279	113	23	on	on	ADP
fsr-3279	113	24	a	a	DET
fsr-3279	113	25	weighted	weighted	ADJ
fsr-3279	113	26	analysis	analysis	NOUN
fsr-3279	113	27	.	.	PUNCT
fsr-3279	113	28	)	)	PUNCT
fsr-3279	113	29	.	.	PUNCT
fsr-3279	114	1	the	the	DET
fsr-3279	114	2	ratio	ratio	NOUN
fsr-3279	114	3	of	of	ADP
fsr-3279	114	4	investments	investment	NOUN
fsr-3279	114	5	to	to	ADP
fsr-3279	114	6	annual	annual	ADJ
fsr-3279	114	7	income	income	NOUN
fsr-3279	114	8	(	(	PUNCT
fsr-3279	114	9	dalton	dalton	PROPN
fsr-3279	114	10	et	et	PROPN
fsr-3279	114	11	al	al	PROPN
fsr-3279	114	12	.	.	PROPN
fsr-3279	114	13	,	,	PUNCT
fsr-3279	114	14	2005	2005	NUM
fsr-3279	114	15	)	)	PUNCT
fsr-3279	114	16	is	be	AUX
fsr-3279	114	17	calculated	calculate	VERB
fsr-3279	114	18	as	as	ADP
fsr-3279	114	19	the	the	DET
fsr-3279	114	20	ratio	ratio	NOUN
fsr-3279	114	21	of	of	ADP
fsr-3279	114	22	investments	investment	NOUN
fsr-3279	114	23	to	to	ADP
fsr-3279	114	24	annual	annual	ADJ
fsr-3279	114	25	household	household	NOUN
fsr-3279	114	26	income	income	NOUN
fsr-3279	114	27	.	.	PUNCT
fsr-3279	115	1	dalton	dalton	PROPN
fsr-3279	115	2	et	et	PROPN
fsr-3279	115	3	al	al	PROPN
fsr-3279	115	4	.	.	PROPN
fsr-3279	116	1	(	(	PUNCT
fsr-3279	116	2	2005	2005	NUM
fsr-3279	116	3	)	)	PUNCT
fsr-3279	116	4	do	do	AUX
fsr-3279	116	5	not	not	PART
fsr-3279	116	6	specify	specify	VERB
fsr-3279	116	7	whether	whether	SCONJ
fsr-3279	116	8	income	income	NOUN
fsr-3279	116	9	should	should	AUX
fsr-3279	116	10	be	be	AUX
fsr-3279	116	11	measured	measure	VERB
fsr-3279	116	12	as	as	ADP
fsr-3279	116	13	current	current	ADJ
fsr-3279	116	14	or	or	CCONJ
fsr-3279	116	15	normal	normal	ADJ
fsr-3279	116	16	income	income	NOUN
fsr-3279	116	17	,	,	PUNCT
fsr-3279	116	18	but	but	CCONJ
fsr-3279	116	19	we	we	PRON
fsr-3279	116	20	use	use	VERB
fsr-3279	116	21	respondent	respondent	NOUN
fsr-3279	116	22	estimates	estimate	NOUN
fsr-3279	116	23	of	of	ADP
fsr-3279	116	24	normal	normal	ADJ
fsr-3279	116	25	income	income	NOUN
fsr-3279	116	26	.	.	PUNCT
fsr-3279	117	1	if	if	SCONJ
fsr-3279	117	2	the	the	DET
fsr-3279	117	3	denominator	denominator	NOUN
fsr-3279	117	4	is	be	AUX
fsr-3279	117	5	zero	zero	NUM
fsr-3279	117	6	,	,	PUNCT
fsr-3279	117	7	the	the	DET
fsr-3279	117	8	ratio	ratio	NOUN
fsr-3279	117	9	is	be	AUX
fsr-3279	117	10	defined	define	VERB
fsr-3279	117	11	at	at	ADP
fsr-3279	117	12	the	the	DET
fsr-3279	117	13	value	value	NOUN
fsr-3279	117	14	of	of	ADP
fsr-3279	117	15	investments	investment	NOUN
fsr-3279	117	16	.	.	PUNCT
fsr-3279	118	1	as	as	ADP
fsr-3279	118	2	with	with	ADP
fsr-3279	118	3	the	the	DET
fsr-3279	118	4	capital	capital	NOUN
fsr-3279	118	5	accumulation	accumulation	NOUN
fsr-3279	118	6	ratio	ratio	NOUN
fsr-3279	118	7	,	,	PUNCT
fsr-3279	118	8	there	there	PRON
fsr-3279	118	9	are	be	VERB
fsr-3279	118	10	some	some	DET
fsr-3279	118	11	extreme	extreme	ADJ
fsr-3279	118	12	values	value	NOUN
fsr-3279	118	13	of	of	ADP
fsr-3279	118	14	the	the	DET
fsr-3279	118	15	ratio	ratio	NOUN
fsr-3279	118	16	,	,	PUNCT
fsr-3279	118	17	so	so	SCONJ
fsr-3279	118	18	adjustments	adjustment	NOUN
fsr-3279	118	19	are	be	AUX
fsr-3279	118	20	made	make	VERB
fsr-3279	118	21	for	for	ADP
fsr-3279	118	22	the	the	DET
fsr-3279	118	23	regression	regression	NOUN
fsr-3279	118	24	analysis	analysis	NOUN
fsr-3279	118	25	.	.	PUNCT
fsr-3279	119	1	dalton	dalton	PROPN
fsr-3279	119	2	,	,	PUNCT
fsr-3279	119	3	dalton	dalton	PROPN
fsr-3279	119	4	,	,	PUNCT
fsr-3279	119	5	and	and	CCONJ
fsr-3279	119	6	oakley	oakley	NOUN
fsr-3279	119	7	(	(	PUNCT
fsr-3279	119	8	2014	2014	NUM
fsr-3279	119	9	)	)	PUNCT
fsr-3279	119	10	discuss	discuss	VERB
fsr-3279	119	11	the	the	DET
fsr-3279	119	12	ratio	ratio	NOUN
fsr-3279	119	13	of	of	ADP
fsr-3279	119	14	investments	investment	NOUN
fsr-3279	119	15	plus	plus	CCONJ
fsr-3279	119	16	monetary	monetary	ADJ
fsr-3279	119	17	assets	asset	NOUN
fsr-3279	119	18	to	to	ADP
fsr-3279	119	19	gross	gross	ADJ
fsr-3279	119	20	earnings	earning	NOUN
fsr-3279	119	21	,	,	PUNCT
fsr-3279	119	22	although	although	SCONJ
fsr-3279	119	23	this	this	DET
fsr-3279	119	24	ratio	ratio	NOUN
fsr-3279	119	25	does	do	AUX
fsr-3279	119	26	not	not	PART
fsr-3279	119	27	address	address	VERB
fsr-3279	119	28	the	the	DET
fsr-3279	119	29	idea	idea	NOUN
fsr-3279	119	30	of	of	ADP
fsr-3279	119	31	needing	need	VERB
fsr-3279	119	32	investments	investment	NOUN
fsr-3279	119	33	that	that	PRON
fsr-3279	119	34	will	will	AUX
fsr-3279	119	35	grow	grow	VERB
fsr-3279	119	36	.	.	PUNCT
fsr-3279	120	1	however	however	ADV
fsr-3279	120	2	,	,	PUNCT
fsr-3279	120	3	as	as	SCONJ
fsr-3279	120	4	a	a	DET
fsr-3279	120	5	worker	worker	NOUN
fsr-3279	120	6	approaches	approach	VERB
fsr-3279	120	7	retirement	retirement	NOUN
fsr-3279	120	8	,	,	PUNCT
fsr-3279	120	9	it	it	PRON
fsr-3279	120	10	is	be	AUX
fsr-3279	120	11	plausible	plausible	ADJ
fsr-3279	120	12	that	that	SCONJ
fsr-3279	120	13	those	those	PRON
fsr-3279	120	14	that	that	PRON
fsr-3279	120	15	are	be	AUX
fsr-3279	120	16	risk	risk	NOUN
fsr-3279	120	17	averse	averse	ADJ
fsr-3279	120	18	will	will	AUX
fsr-3279	120	19	shift	shift	VERB
fsr-3279	120	20	some	some	DET
fsr-3279	120	21	investments	investment	NOUN
fsr-3279	120	22	to	to	ADP
fsr-3279	120	23	monetary	monetary	ADJ
fsr-3279	120	24	assets	asset	NOUN
fsr-3279	120	25	such	such	ADJ
fsr-3279	120	26	as	as	ADP
fsr-3279	120	27	money	money	NOUN
fsr-3279	120	28	market	market	NOUN
fsr-3279	120	29	accounts	account	NOUN
fsr-3279	120	30	.	.	PUNCT
fsr-3279	121	1	in	in	ADP
fsr-3279	121	2	our	our	PRON
fsr-3279	121	3	analytic	analytic	ADJ
fsr-3279	121	4	sample	sample	NOUN
fsr-3279	121	5	,	,	PUNCT
fsr-3279	121	6	there	there	PRON
fsr-3279	121	7	are	be	VERB
fsr-3279	121	8	eight	eight	NUM
fsr-3279	121	9	households	household	NOUN
fsr-3279	121	10	reporting	report	VERB
fsr-3279	121	11	zero	zero	NUM
fsr-3279	121	12	normal	normal	ADJ
fsr-3279	121	13	income	income	NOUN
fsr-3279	121	14	(	(	PUNCT
fsr-3279	121	15	0.08	0.08	NUM
fsr-3279	121	16	%	%	NOUN
fsr-3279	121	17	of	of	ADP
fsr-3279	121	18	the	the	DET
fsr-3279	121	19	sample	sample	NOUN
fsr-3279	121	20	based	base	VERB
fsr-3279	121	21	on	on	ADP
fsr-3279	121	22	a	a	DET
fsr-3279	121	23	weighted	weighted	ADJ
fsr-3279	121	24	analysis	analysis	NOUN
fsr-3279	121	25	)	)	PUNCT
fsr-3279	121	26	.	.	PUNCT
fsr-3279	122	1	the	the	DET
fsr-3279	122	2	ratio	ratio	NOUN
fsr-3279	122	3	of	of	ADP
fsr-3279	122	4	investments	investment	NOUN
fsr-3279	122	5	to	to	PART
fsr-3279	122	6	total	total	VERB
fsr-3279	122	7	assets	asset	NOUN
fsr-3279	122	8	(	(	PUNCT
fsr-3279	122	9	garman	garman	NOUN
fsr-3279	122	10	and	and	CCONJ
fsr-3279	122	11	forgue	forgue	NOUN
fsr-3279	122	12	,	,	PUNCT
fsr-3279	122	13	2012	2012	NUM
fsr-3279	122	14	)	)	PUNCT
fsr-3279	122	15	is	be	AUX
fsr-3279	122	16	calculated	calculate	VERB
fsr-3279	122	17	as	as	ADP
fsr-3279	122	18	the	the	DET
fsr-3279	122	19	ratio	ratio	NOUN
fsr-3279	122	20	of	of	ADP
fsr-3279	122	21	investment	investment	NOUN
fsr-3279	122	22	assets	asset	NOUN
fsr-3279	122	23	to	to	ADP
fsr-3279	122	24	total	total	ADJ
fsr-3279	122	25	assets	asset	NOUN
fsr-3279	122	26	.	.	PUNCT
fsr-3279	123	1	total	total	ADJ
fsr-3279	123	2	assets	asset	NOUN
fsr-3279	123	3	include	include	VERB
fsr-3279	123	4	both	both	PRON
fsr-3279	123	5	financial	financial	ADJ
fsr-3279	123	6	assets	asset	NOUN
fsr-3279	123	7	and	and	CCONJ
fsr-3279	123	8	non	non	ADJ
fsr-3279	123	9	-	-	ADJ
fsr-3279	123	10	financial	financial	ADJ
fsr-3279	123	11	assets	asset	NOUN
fsr-3279	123	12	.	.	PUNCT
fsr-3279	124	1	for	for	ADP
fsr-3279	124	2	the	the	DET
fsr-3279	124	3	82	82	NUM
fsr-3279	124	4	households	household	NOUN
fsr-3279	124	5	with	with	ADP
fsr-3279	124	6	zero	zero	NUM
fsr-3279	124	7	assets	asset	NOUN
fsr-3279	124	8	(	(	PUNCT
fsr-3279	124	9	1.56	1.56	NUM
fsr-3279	124	10	%	%	NOUN
fsr-3279	124	11	of	of	ADP
fsr-3279	124	12	the	the	DET
fsr-3279	124	13	sample	sample	NOUN
fsr-3279	124	14	based	base	VERB
fsr-3279	124	15	on	on	ADP
fsr-3279	124	16	table	table	NOUN
fsr-3279	124	17	1	1	NUM
fsr-3279	124	18	illustration	illustration	NOUN
fsr-3279	124	19	of	of	ADP
fsr-3279	124	20	distribution	distribution	NOUN
fsr-3279	124	21	of	of	ADP
fsr-3279	124	22	investments	investment	NOUN
fsr-3279	124	23	to	to	PART
fsr-3279	124	24	net	net	VERB
fsr-3279	124	25	worth	worth	ADJ
fsr-3279	124	26	ratio	ratio	NOUN
fsr-3279	124	27	,	,	PUNCT
fsr-3279	124	28	assuming	assume	VERB
fsr-3279	124	29	investments	investment	NOUN
fsr-3279	124	30	�	�	PROPN
fsr-3279	124	31	$	$	SYM
fsr-3279	124	32	10,000	10,000	NUM
fsr-3279	124	33	net	net	ADJ
fsr-3279	124	34	worth	worth	NOUN
fsr-3279	124	35	(	(	PUNCT
fsr-3279	124	36	$	$	SYM
fsr-3279	124	37	)	)	PUNCT
fsr-3279	124	38	ratio	ratio	NOUN
fsr-3279	124	39	100,000	100,000	NUM
fsr-3279	124	40	0.1	0.1	NUM
fsr-3279	124	41	10,000	10,000	NUM
fsr-3279	124	42	1	1	NUM
fsr-3279	124	43	5,000	5,000	NUM
fsr-3279	124	44	2	2	NUM
fsr-3279	124	45	1,000	1,000	NUM
fsr-3279	124	46	10	10	NUM
fsr-3279	124	47	100	100	NUM
fsr-3279	124	48	100	100	NUM
fsr-3279	124	49	10	10	NUM
fsr-3279	124	50	1,000	1,000	NUM
fsr-3279	124	51	1	1	NUM
fsr-3279	124	52	10,000	10,000	NUM
fsr-3279	124	53	0.1	0.1	NUM
fsr-3279	124	54	100,000	100,000	NUM
fsr-3279	124	55	0.01	0.01	NUM
fsr-3279	124	56	1,000,000	1,000,000	NUM
fsr-3279	124	57	�	�	NOUN
fsr-3279	124	58	0.01	0.01	NUM
fsr-3279	124	59	�	�	PROPN
fsr-3279	124	60	1,000,000	1,000,000	NUM
fsr-3279	124	61	�	�	PROPN
fsr-3279	124	62	0.1	0.1	NUM
fsr-3279	124	63	�	�	PROPN
fsr-3279	124	64	100,000	100,000	NUM
fsr-3279	124	65	�	�	PROPN
fsr-3279	124	66	1	1	NUM
fsr-3279	124	67	�	�	PROPN
fsr-3279	124	68	10,000	10,000	NUM
fsr-3279	124	69	�	�	PROPN
fsr-3279	124	70	100	100	NUM
fsr-3279	124	71	�	�	PROPN
fsr-3279	124	72	100	100	NUM
fsr-3279	124	73	�	�	PROPN
fsr-3279	124	74	1,000	1,000	NUM
fsr-3279	124	75	�	�	PROPN
fsr-3279	124	76	10	10	NUM
fsr-3279	124	77	�	�	PROPN
fsr-3279	124	78	10,000	10,000	NUM
fsr-3279	124	79	�	�	PROPN
fsr-3279	124	80	1	1	NUM
fsr-3279	124	81	�	�	PROPN
fsr-3279	124	82	100,000	100,000	NUM
fsr-3279	124	83	�	�	NOUN
fsr-3279	124	84	0.1	0.1	NUM
fsr-3279	124	85	note	note	NOUN
fsr-3279	124	86	:	:	PUNCT
fsr-3279	124	87	table	table	NOUN
fsr-3279	124	88	created	create	VERB
fsr-3279	124	89	by	by	ADP
fsr-3279	124	90	authors	author	NOUN
fsr-3279	124	91	.	.	PUNCT
fsr-3279	125	1	268	268	NUM
fsr-3279	125	2	s.d	s.d	PROPN
fsr-3279	125	3	.	.	PROPN
fsr-3279	125	4	hanna	hanna	PROPN
fsr-3279	125	5	,	,	PUNCT
fsr-3279	125	6	k.t	k.t	PROPN
fsr-3279	125	7	.	.	PROPN
fsr-3279	125	8	kim	kim	PROPN
fsr-3279	125	9	/	/	SYM
fsr-3279	125	10	financial	financial	ADJ
fsr-3279	125	11	services	service	NOUN
fsr-3279	125	12	review	review	VERB
fsr-3279	125	13	25	25	NUM
fsr-3279	125	14	(	(	PUNCT
fsr-3279	125	15	2016	2016	NUM
fsr-3279	125	16	)	)	PUNCT
fsr-3279	126	1	263–277	263–277	NUM
fsr-3279	127	1	a	a	DET
fsr-3279	127	2	weighted	weighted	ADJ
fsr-3279	127	3	analysis	analysis	NOUN
fsr-3279	127	4	.	.	PUNCT
fsr-3279	127	5	)	)	PUNCT
fsr-3279	128	1	,	,	PUNCT
fsr-3279	128	2	the	the	DET
fsr-3279	128	3	ratio	ratio	NOUN
fsr-3279	128	4	is	be	AUX
fsr-3279	128	5	defined	define	VERB
fsr-3279	128	6	as	as	ADP
fsr-3279	128	7	the	the	DET
fsr-3279	128	8	value	value	NOUN
fsr-3279	128	9	of	of	ADP
fsr-3279	128	10	investments	investment	NOUN
fsr-3279	128	11	,	,	PUNCT
fsr-3279	128	12	which	which	PRON
fsr-3279	128	13	in	in	ADP
fsr-3279	128	14	all	all	DET
fsr-3279	128	15	cases	case	NOUN
fsr-3279	128	16	is	be	AUX
fsr-3279	128	17	equal	equal	ADJ
fsr-3279	128	18	to	to	ADP
fsr-3279	128	19	zero	zero	NUM
fsr-3279	128	20	.	.	PUNCT
fsr-3279	129	1	2.4.2	2.4.2	NUM
fsr-3279	129	2	.	.	PUNCT
fsr-3279	130	1	control	control	NOUN
fsr-3279	130	2	variables	variable	NOUN
fsr-3279	130	3	in	in	ADP
fsr-3279	130	4	each	each	DET
fsr-3279	130	5	regression	regression	NOUN
fsr-3279	130	6	,	,	PUNCT
fsr-3279	130	7	in	in	ADP
fsr-3279	130	8	addition	addition	NOUN
fsr-3279	130	9	to	to	ADP
fsr-3279	130	10	the	the	DET
fsr-3279	130	11	ratio	ratio	NOUN
fsr-3279	130	12	and	and	CCONJ
fsr-3279	130	13	the	the	DET
fsr-3279	130	14	square	square	NOUN
fsr-3279	130	15	of	of	ADP
fsr-3279	130	16	the	the	DET
fsr-3279	130	17	ratio	ratio	NOUN
fsr-3279	130	18	,	,	PUNCT
fsr-3279	130	19	a	a	DET
fsr-3279	130	20	few	few	ADJ
fsr-3279	130	21	household	household	NOUN
fsr-3279	130	22	characteristic	characteristic	ADJ
fsr-3279	130	23	variables	variable	NOUN
fsr-3279	130	24	directly	directly	ADV
fsr-3279	130	25	related	relate	VERB
fsr-3279	130	26	to	to	ADP
fsr-3279	130	27	retirement	retirement	NOUN
fsr-3279	130	28	adequacy	adequacy	NOUN
fsr-3279	130	29	are	be	AUX
fsr-3279	130	30	included	include	VERB
fsr-3279	130	31	as	as	ADP
fsr-3279	130	32	control	control	NOUN
fsr-3279	130	33	variables	variable	NOUN
fsr-3279	130	34	.	.	PUNCT
fsr-3279	131	1	the	the	DET
fsr-3279	131	2	age	age	NOUN
fsr-3279	131	3	of	of	ADP
fsr-3279	131	4	the	the	DET
fsr-3279	131	5	household	household	NOUN
fsr-3279	131	6	head	head	NOUN
fsr-3279	131	7	and	and	CCONJ
fsr-3279	131	8	the	the	DET
fsr-3279	131	9	square	square	NOUN
fsr-3279	131	10	of	of	ADP
fsr-3279	131	11	the	the	DET
fsr-3279	131	12	age	age	NOUN
fsr-3279	131	13	(	(	PUNCT
fsr-3279	131	14	divided	divide	VERB
fsr-3279	131	15	by	by	ADP
fsr-3279	131	16	10,000	10,000	NUM
fsr-3279	131	17	to	to	PART
fsr-3279	131	18	scale	scale	VERB
fsr-3279	131	19	the	the	DET
fsr-3279	131	20	estimated	estimate	VERB
fsr-3279	131	21	coefficients	coefficient	NOUN
fsr-3279	131	22	)	)	PUNCT
fsr-3279	131	23	were	be	AUX
fsr-3279	131	24	included	include	VERB
fsr-3279	131	25	.	.	PUNCT
fsr-3279	132	1	to	to	PART
fsr-3279	132	2	test	test	VERB
fsr-3279	132	3	for	for	ADP
fsr-3279	132	4	whether	whether	SCONJ
fsr-3279	132	5	optimal	optimal	ADJ
fsr-3279	132	6	ratio	ratio	NOUN
fsr-3279	132	7	levels	level	NOUN
fsr-3279	132	8	depend	depend	VERB
fsr-3279	132	9	on	on	ADP
fsr-3279	132	10	age	age	NOUN
fsr-3279	132	11	,	,	PUNCT
fsr-3279	132	12	interaction	interaction	NOUN
fsr-3279	132	13	variables	variable	NOUN
fsr-3279	132	14	are	be	AUX
fsr-3279	132	15	created	create	VERB
fsr-3279	132	16	between	between	ADP
fsr-3279	132	17	age	age	NOUN
fsr-3279	132	18	and	and	CCONJ
fsr-3279	132	19	the	the	DET
fsr-3279	132	20	ratio	ratio	NOUN
fsr-3279	132	21	and	and	CCONJ
fsr-3279	132	22	the	the	DET
fsr-3279	132	23	square	square	NOUN
fsr-3279	132	24	of	of	ADP
fsr-3279	132	25	the	the	DET
fsr-3279	132	26	ratio	ratio	NOUN
fsr-3279	132	27	.	.	PUNCT
fsr-3279	133	1	one	one	NUM
fsr-3279	133	2	disadvantage	disadvantage	NOUN
fsr-3279	133	3	of	of	ADP
fsr-3279	133	4	adding	add	VERB
fsr-3279	133	5	interaction	interaction	NOUN
fsr-3279	133	6	terms	term	NOUN
fsr-3279	133	7	is	be	AUX
fsr-3279	133	8	that	that	SCONJ
fsr-3279	133	9	there	there	PRON
fsr-3279	133	10	is	be	VERB
fsr-3279	133	11	multicollinearity	multicollinearity	NOUN
fsr-3279	133	12	because	because	SCONJ
fsr-3279	133	13	of	of	ADP
fsr-3279	133	14	the	the	DET
fsr-3279	133	15	interaction	interaction	NOUN
fsr-3279	133	16	terms	term	NOUN
fsr-3279	133	17	,	,	PUNCT
fsr-3279	133	18	resulting	result	VERB
fsr-3279	133	19	in	in	ADP
fsr-3279	133	20	some	some	DET
fsr-3279	133	21	effects	effect	NOUN
fsr-3279	133	22	not	not	PART
fsr-3279	133	23	being	be	AUX
fsr-3279	133	24	significantly	significantly	ADV
fsr-3279	133	25	different	different	ADJ
fsr-3279	133	26	from	from	ADP
fsr-3279	133	27	zero	zero	NUM
fsr-3279	133	28	,	,	PUNCT
fsr-3279	133	29	so	so	ADV
fsr-3279	133	30	for	for	ADP
fsr-3279	133	31	comparison	comparison	NOUN
fsr-3279	133	32	,	,	PUNCT
fsr-3279	133	33	we	we	PRON
fsr-3279	133	34	also	also	ADV
fsr-3279	133	35	present	present	VERB
fsr-3279	133	36	regressions	regression	NOUN
fsr-3279	133	37	without	without	ADP
fsr-3279	133	38	interaction	interaction	NOUN
fsr-3279	133	39	terms	term	NOUN
fsr-3279	133	40	(	(	PUNCT
fsr-3279	133	41	appendix	appendix	NOUN
fsr-3279	133	42	b	b	NOUN
fsr-3279	133	43	)	)	PUNCT
fsr-3279	133	44	.	.	PUNCT
fsr-3279	134	1	dummy	dummy	ADJ
fsr-3279	134	2	variables	variable	NOUN
fsr-3279	134	3	for	for	ADP
fsr-3279	134	4	whether	whether	SCONJ
fsr-3279	134	5	the	the	DET
fsr-3279	134	6	household	household	NOUN
fsr-3279	134	7	owns	own	VERB
fsr-3279	134	8	its	its	PRON
fsr-3279	134	9	home	home	NOUN
fsr-3279	134	10	,	,	PUNCT
fsr-3279	134	11	and	and	CCONJ
fsr-3279	134	12	whether	whether	SCONJ
fsr-3279	134	13	the	the	DET
fsr-3279	134	14	head	head	NOUN
fsr-3279	134	15	has	have	VERB
fsr-3279	134	16	a	a	DET
fsr-3279	134	17	defined	define	VERB
fsr-3279	134	18	benefit	benefit	NOUN
fsr-3279	134	19	pension	pension	NOUN
fsr-3279	134	20	are	be	AUX
fsr-3279	134	21	included	include	VERB
fsr-3279	134	22	.	.	PUNCT
fsr-3279	135	1	furthermore	furthermore	ADV
fsr-3279	135	2	,	,	PUNCT
fsr-3279	135	3	dummy	dummy	ADJ
fsr-3279	135	4	variables	variable	NOUN
fsr-3279	135	5	for	for	ADP
fsr-3279	135	6	whether	whether	SCONJ
fsr-3279	135	7	the	the	DET
fsr-3279	135	8	head	head	NOUN
fsr-3279	135	9	works	work	VERB
fsr-3279	135	10	part	part	NOUN
fsr-3279	135	11	-	-	PUNCT
fsr-3279	135	12	time	time	NOUN
fsr-3279	135	13	,	,	PUNCT
fsr-3279	135	14	and	and	CCONJ
fsr-3279	135	15	whether	whether	SCONJ
fsr-3279	135	16	the	the	DET
fsr-3279	135	17	head	head	NOUN
fsr-3279	135	18	is	be	AUX
fsr-3279	135	19	not	not	PART
fsr-3279	135	20	working	work	VERB
fsr-3279	135	21	but	but	CCONJ
fsr-3279	135	22	not	not	PART
fsr-3279	135	23	retired	retire	VERB
fsr-3279	135	24	are	be	AUX
fsr-3279	135	25	included	include	VERB
fsr-3279	135	26	(	(	PUNCT
fsr-3279	135	27	both	both	PRON
fsr-3279	135	28	relative	relative	ADJ
fsr-3279	135	29	to	to	ADP
fsr-3279	135	30	the	the	DET
fsr-3279	135	31	head	head	NOUN
fsr-3279	135	32	working	work	VERB
fsr-3279	135	33	full	full	ADJ
fsr-3279	135	34	-	-	PUNCT
fsr-3279	135	35	time	time	NOUN
fsr-3279	135	36	)	)	PUNCT
fsr-3279	135	37	.	.	PUNCT
fsr-3279	136	1	2.5	2.5	NUM
fsr-3279	136	2	.	.	PUNCT
fsr-3279	137	1	descriptive	descriptive	ADJ
fsr-3279	137	2	and	and	CCONJ
fsr-3279	137	3	multivariate	multivariate	VERB
fsr-3279	137	4	analyses	analysis	NOUN
fsr-3279	137	5	for	for	ADP
fsr-3279	137	6	descriptive	descriptive	ADJ
fsr-3279	137	7	analyses	analysis	NOUN
fsr-3279	137	8	,	,	PUNCT
fsr-3279	137	9	quantiles	quantile	NOUN
fsr-3279	137	10	,	,	PUNCT
fsr-3279	137	11	means	mean	NOUN
fsr-3279	137	12	,	,	PUNCT
fsr-3279	137	13	and	and	CCONJ
fsr-3279	137	14	skewness	skewness	NOUN
fsr-3279	137	15	of	of	ADP
fsr-3279	137	16	the	the	DET
fsr-3279	137	17	ratios	ratio	NOUN
fsr-3279	137	18	are	be	AUX
fsr-3279	137	19	obtained	obtain	VERB
fsr-3279	137	20	with	with	ADP
fsr-3279	137	21	weighted	weight	VERB
fsr-3279	137	22	analyses	analysis	NOUN
fsr-3279	137	23	,	,	PUNCT
fsr-3279	137	24	both	both	PRON
fsr-3279	137	25	for	for	ADP
fsr-3279	137	26	the	the	DET
fsr-3279	137	27	entire	entire	ADJ
fsr-3279	137	28	2013	2013	NUM
fsr-3279	137	29	scf	scf	PROPN
fsr-3279	137	30	sample	sample	NOUN
fsr-3279	137	31	and	and	CCONJ
fsr-3279	137	32	for	for	ADP
fsr-3279	137	33	the	the	DET
fsr-3279	137	34	analytic	analytic	ADJ
fsr-3279	137	35	sample	sample	NOUN
fsr-3279	137	36	of	of	ADP
fsr-3279	137	37	households	household	NOUN
fsr-3279	137	38	with	with	ADP
fsr-3279	137	39	a	a	DET
fsr-3279	137	40	non	non	ADJ
fsr-3279	137	41	-	-	ADJ
fsr-3279	137	42	retired	retired	ADJ
fsr-3279	137	43	head	head	NOUN
fsr-3279	137	44	.	.	PUNCT
fsr-3279	138	1	in	in	ADP
fsr-3279	138	2	addition	addition	NOUN
fsr-3279	138	3	,	,	PUNCT
fsr-3279	138	4	the	the	DET
fsr-3279	138	5	means	mean	NOUN
fsr-3279	138	6	and	and	CCONJ
fsr-3279	138	7	medians	median	NOUN
fsr-3279	138	8	of	of	ADP
fsr-3279	138	9	the	the	DET
fsr-3279	138	10	ratios	ratio	NOUN
fsr-3279	138	11	for	for	ADP
fsr-3279	138	12	age	age	NOUN
fsr-3279	138	13	groups	group	NOUN
fsr-3279	138	14	are	be	AUX
fsr-3279	138	15	obtained	obtain	VERB
fsr-3279	138	16	with	with	ADP
fsr-3279	138	17	weighted	weight	VERB
fsr-3279	138	18	analyses	analysis	NOUN
fsr-3279	138	19	.	.	PUNCT
fsr-3279	139	1	ols	ol	NOUN
fsr-3279	139	2	regressions	regression	NOUN
fsr-3279	139	3	are	be	AUX
fsr-3279	139	4	utilized	utilize	VERB
fsr-3279	139	5	to	to	PART
fsr-3279	139	6	estimate	estimate	VERB
fsr-3279	139	7	the	the	DET
fsr-3279	139	8	effect	effect	NOUN
fsr-3279	139	9	of	of	ADP
fsr-3279	139	10	ratio	ratio	NOUN
fsr-3279	139	11	levels	level	NOUN
fsr-3279	139	12	on	on	ADP
fsr-3279	139	13	respondent	respondent	ADJ
fsr-3279	139	14	assessment	assessment	NOUN
fsr-3279	139	15	of	of	ADP
fsr-3279	139	16	the	the	DET
fsr-3279	139	17	adequacy	adequacy	NOUN
fsr-3279	139	18	of	of	ADP
fsr-3279	139	19	retirement	retirement	NOUN
fsr-3279	139	20	income	income	NOUN
fsr-3279	139	21	.	.	PUNCT
fsr-3279	140	1	the	the	DET
fsr-3279	140	2	suggestions	suggestion	NOUN
fsr-3279	140	3	in	in	ADP
fsr-3279	140	4	lindamood	lindamood	NOUN
fsr-3279	140	5	,	,	PUNCT
fsr-3279	140	6	hanna	hanna	NOUN
fsr-3279	140	7	,	,	PUNCT
fsr-3279	140	8	and	and	CCONJ
fsr-3279	140	9	bi	bi	NOUN
fsr-3279	140	10	(	(	PUNCT
fsr-3279	140	11	2007	2007	NUM
fsr-3279	140	12	)	)	PUNCT
fsr-3279	140	13	are	be	AUX
fsr-3279	140	14	followed	follow	VERB
fsr-3279	140	15	in	in	ADP
fsr-3279	140	16	analyzing	analyze	VERB
fsr-3279	140	17	the	the	DET
fsr-3279	140	18	data	datum	NOUN
fsr-3279	140	19	,	,	PUNCT
fsr-3279	140	20	including	include	VERB
fsr-3279	140	21	use	use	NOUN
fsr-3279	140	22	of	of	ADP
fsr-3279	140	23	unweighted	unweighted	ADJ
fsr-3279	140	24	regressions	regression	NOUN
fsr-3279	140	25	.	.	PUNCT
fsr-3279	141	1	3	3	X
fsr-3279	141	2	.	.	NOUN
fsr-3279	141	3	results	result	VERB
fsr-3279	141	4	3.1	3.1	NUM
fsr-3279	141	5	.	.	PUNCT
fsr-3279	141	6	descriptive	descriptive	ADJ
fsr-3279	141	7	results	result	NOUN
fsr-3279	141	8	for	for	ADP
fsr-3279	141	9	all	all	DET
fsr-3279	141	10	6,015	6,015	NUM
fsr-3279	141	11	households	household	NOUN
fsr-3279	141	12	in	in	ADP
fsr-3279	141	13	the	the	DET
fsr-3279	141	14	2013	2013	NUM
fsr-3279	141	15	scf	scf	PROPN
fsr-3279	141	16	,	,	PUNCT
fsr-3279	141	17	the	the	DET
fsr-3279	141	18	maximum	maximum	ADJ
fsr-3279	141	19	level	level	NOUN
fsr-3279	141	20	of	of	ADP
fsr-3279	141	21	net	net	ADJ
fsr-3279	141	22	worth	worth	NOUN
fsr-3279	141	23	in	in	ADP
fsr-3279	141	24	the	the	DET
fsr-3279	141	25	2013	2013	NUM
fsr-3279	141	26	scf	scf	NOUN
fsr-3279	141	27	is	be	AUX
fsr-3279	141	28	$	$	SYM
fsr-3279	141	29	1,324,417,600	1,324,417,600	NUM
fsr-3279	141	30	,	,	PUNCT
fsr-3279	141	31	with	with	ADP
fsr-3279	141	32	11.59	11.59	NUM
fsr-3279	141	33	%	%	NOUN
fsr-3279	141	34	of	of	ADP
fsr-3279	141	35	households	household	NOUN
fsr-3279	141	36	having	have	VERB
fsr-3279	141	37	negative	negative	ADJ
fsr-3279	141	38	net	net	ADJ
fsr-3279	141	39	worth	worth	NOUN
fsr-3279	141	40	,	,	PUNCT
fsr-3279	141	41	and	and	CCONJ
fsr-3279	141	42	1.33	1.33	NUM
fsr-3279	141	43	%	%	NOUN
fsr-3279	141	44	of	of	ADP
fsr-3279	141	45	households	household	NOUN
fsr-3279	141	46	having	have	VERB
fsr-3279	141	47	zero	zero	NUM
fsr-3279	141	48	net	net	ADJ
fsr-3279	141	49	worth	worth	NOUN
fsr-3279	141	50	.	.	PUNCT
fsr-3279	142	1	(	(	PUNCT
fsr-3279	142	2	the	the	DET
fsr-3279	142	3	scf	scf	PROPN
fsr-3279	142	4	includes	include	VERB
fsr-3279	142	5	vehicles	vehicle	NOUN
fsr-3279	142	6	,	,	PUNCT
fsr-3279	142	7	housing	housing	NOUN
fsr-3279	142	8	,	,	PUNCT
fsr-3279	142	9	and	and	CCONJ
fsr-3279	142	10	financial	financial	ADJ
fsr-3279	142	11	assets	asset	NOUN
fsr-3279	142	12	,	,	PUNCT
fsr-3279	142	13	but	but	CCONJ
fsr-3279	142	14	does	do	AUX
fsr-3279	142	15	not	not	PART
fsr-3279	142	16	include	include	VERB
fsr-3279	142	17	the	the	DET
fsr-3279	142	18	value	value	NOUN
fsr-3279	142	19	of	of	ADP
fsr-3279	142	20	personal	personal	ADJ
fsr-3279	142	21	possessions	possession	NOUN
fsr-3279	142	22	such	such	ADJ
fsr-3279	142	23	as	as	ADP
fsr-3279	142	24	furniture	furniture	NOUN
fsr-3279	142	25	.	.	PUNCT
fsr-3279	142	26	)	)	PUNCT
fsr-3279	143	1	the	the	DET
fsr-3279	143	2	maximum	maximum	ADJ
fsr-3279	143	3	value	value	NOUN
fsr-3279	143	4	of	of	ADP
fsr-3279	143	5	investment	investment	NOUN
fsr-3279	143	6	assets	asset	NOUN
fsr-3279	143	7	is	be	AUX
fsr-3279	143	8	over	over	ADP
fsr-3279	143	9	one	one	NUM
fsr-3279	143	10	billion	billion	NUM
fsr-3279	143	11	dollars	dollar	NOUN
fsr-3279	143	12	,	,	PUNCT
fsr-3279	143	13	$	$	SYM
fsr-3279	143	14	1,320,813,200	1,320,813,200	NUM
fsr-3279	143	15	.	.	PUNCT
fsr-3279	144	1	however	however	ADV
fsr-3279	144	2	,	,	PUNCT
fsr-3279	144	3	30.57	30.57	NUM
fsr-3279	144	4	%	%	NOUN
fsr-3279	144	5	of	of	ADP
fsr-3279	144	6	households	household	NOUN
fsr-3279	144	7	have	have	VERB
fsr-3279	144	8	zero	zero	NUM
fsr-3279	144	9	investment	investment	NOUN
fsr-3279	144	10	assets	asset	NOUN
fsr-3279	144	11	,	,	PUNCT
fsr-3279	144	12	and	and	CCONJ
fsr-3279	144	13	one	one	NUM
fsr-3279	144	14	household	household	NOUN
fsr-3279	144	15	is	be	AUX
fsr-3279	144	16	coded	code	VERB
fsr-3279	144	17	as	as	ADP
fsr-3279	144	18	having	have	VERB
fsr-3279	144	19	negative	negative	ADJ
fsr-3279	144	20	investments	investment	NOUN
fsr-3279	144	21	,	,	PUNCT
fsr-3279	144	22	presumably	presumably	ADV
fsr-3279	144	23	because	because	SCONJ
fsr-3279	144	24	of	of	ADP
fsr-3279	144	25	debt	debt	NOUN
fsr-3279	144	26	not	not	PART
fsr-3279	144	27	recorded	record	VERB
fsr-3279	144	28	elsewhere	elsewhere	ADV
fsr-3279	144	29	.	.	PUNCT
fsr-3279	145	1	the	the	DET
fsr-3279	145	2	maximum	maximum	ADJ
fsr-3279	145	3	value	value	NOUN
fsr-3279	145	4	of	of	ADP
fsr-3279	145	5	assets	asset	NOUN
fsr-3279	145	6	is	be	AUX
fsr-3279	145	7	$	$	SYM
fsr-3279	145	8	1,324,540,600	1,324,540,600	NUM
fsr-3279	145	9	,	,	PUNCT
fsr-3279	145	10	and	and	CCONJ
fsr-3279	145	11	there	there	PRON
fsr-3279	145	12	is	be	VERB
fsr-3279	145	13	also	also	ADV
fsr-3279	145	14	a	a	DET
fsr-3279	145	15	case	case	NOUN
fsr-3279	145	16	with	with	ADP
fsr-3279	145	17	a	a	DET
fsr-3279	145	18	negative	negative	ADJ
fsr-3279	145	19	value	value	NOUN
fsr-3279	145	20	for	for	ADP
fsr-3279	145	21	total	total	ADJ
fsr-3279	145	22	assets	asset	NOUN
fsr-3279	145	23	.	.	PUNCT
fsr-3279	146	1	table	table	NOUN
fsr-3279	146	2	2	2	NUM
fsr-3279	146	3	shows	show	VERB
fsr-3279	146	4	the	the	DET
fsr-3279	146	5	distribution	distribution	NOUN
fsr-3279	146	6	of	of	ADP
fsr-3279	146	7	the	the	DET
fsr-3279	146	8	three	three	NUM
fsr-3279	146	9	ratios	ratio	NOUN
fsr-3279	146	10	for	for	ADP
fsr-3279	146	11	all	all	DET
fsr-3279	146	12	households	household	NOUN
fsr-3279	146	13	and	and	CCONJ
fsr-3279	146	14	for	for	ADP
fsr-3279	146	15	households	household	NOUN
fsr-3279	146	16	with	with	ADP
fsr-3279	146	17	non	non	ADJ
fsr-3279	146	18	-	-	ADJ
fsr-3279	146	19	retired	retired	ADJ
fsr-3279	146	20	heads	head	NOUN
fsr-3279	146	21	.	.	PUNCT
fsr-3279	147	1	for	for	ADP
fsr-3279	147	2	all	all	DET
fsr-3279	147	3	households	household	NOUN
fsr-3279	147	4	,	,	PUNCT
fsr-3279	147	5	the	the	DET
fsr-3279	147	6	maximum	maximum	ADJ
fsr-3279	147	7	value	value	NOUN
fsr-3279	147	8	of	of	ADP
fsr-3279	147	9	the	the	DET
fsr-3279	147	10	investments	investment	NOUN
fsr-3279	147	11	to	to	PART
fsr-3279	147	12	net	net	VERB
fsr-3279	147	13	worth	worth	ADJ
fsr-3279	147	14	ratio	ratio	NOUN
fsr-3279	147	15	is	be	AUX
fsr-3279	147	16	almost	almost	ADV
fsr-3279	147	17	59,000,000	59,000,000	NUM
fsr-3279	147	18	,	,	PUNCT
fsr-3279	147	19	partly	partly	ADV
fsr-3279	147	20	because	because	SCONJ
fsr-3279	147	21	of	of	ADP
fsr-3279	147	22	the	the	DET
fsr-3279	147	23	almost	almost	ADV
fsr-3279	147	24	13	13	NUM
fsr-3279	147	25	%	%	NOUN
fsr-3279	147	26	of	of	ADP
fsr-3279	147	27	households	household	NOUN
fsr-3279	147	28	with	with	ADP
fsr-3279	147	29	zero	zero	NUM
fsr-3279	147	30	or	or	CCONJ
fsr-3279	147	31	negative	negative	ADJ
fsr-3279	147	32	net	net	ADJ
fsr-3279	147	33	worth	worth	NOUN
fsr-3279	147	34	.	.	PUNCT
fsr-3279	148	1	for	for	ADP
fsr-3279	148	2	instance	instance	NOUN
fsr-3279	148	3	,	,	PUNCT
fsr-3279	148	4	a	a	DET
fsr-3279	148	5	young	young	ADJ
fsr-3279	148	6	recent	recent	ADJ
fsr-3279	148	7	college	college	NOUN
fsr-3279	148	8	graduate	graduate	NOUN
fsr-3279	148	9	with	with	ADP
fsr-3279	148	10	$	$	SYM
fsr-3279	148	11	1,000	1,000	NUM
fsr-3279	148	12	in	in	ADP
fsr-3279	148	13	a	a	DET
fsr-3279	148	14	mutual	mutual	ADJ
fsr-3279	148	15	269s.d	269s.d	PROPN
fsr-3279	148	16	.	.	PUNCT
fsr-3279	149	1	hanna	hanna	PROPN
fsr-3279	149	2	,	,	PUNCT
fsr-3279	149	3	k.t	k.t	PROPN
fsr-3279	149	4	.	.	PROPN
fsr-3279	149	5	kim	kim	PROPN
fsr-3279	149	6	/	/	SYM
fsr-3279	149	7	financial	financial	ADJ
fsr-3279	149	8	services	service	NOUN
fsr-3279	149	9	review	review	VERB
fsr-3279	149	10	25	25	NUM
fsr-3279	149	11	(	(	PUNCT
fsr-3279	149	12	2016	2016	NUM
fsr-3279	149	13	)	)	PUNCT
fsr-3279	149	14	263–277	263–277	NUM
fsr-3279	149	15	fund	fund	NOUN
fsr-3279	149	16	and	and	CCONJ
fsr-3279	149	17	$	$	SYM
fsr-3279	149	18	30,000	30,000	NUM
fsr-3279	149	19	in	in	ADP
fsr-3279	149	20	student	student	NOUN
fsr-3279	149	21	debt	debt	NOUN
fsr-3279	149	22	would	would	AUX
fsr-3279	149	23	have	have	VERB
fsr-3279	149	24	an	an	DET
fsr-3279	149	25	investments	investment	NOUN
fsr-3279	149	26	to	to	PART
fsr-3279	149	27	net	net	VERB
fsr-3279	149	28	worth	worth	ADJ
fsr-3279	149	29	ratio	ratio	NOUN
fsr-3279	149	30	of	of	ADP
fsr-3279	149	31	1,000	1,000	NUM
fsr-3279	149	32	.	.	PUNCT
fsr-3279	150	1	the	the	DET
fsr-3279	150	2	maximum	maximum	ADJ
fsr-3279	150	3	value	value	NOUN
fsr-3279	150	4	of	of	ADP
fsr-3279	150	5	the	the	DET
fsr-3279	150	6	investments	investment	NOUN
fsr-3279	150	7	to	to	ADP
fsr-3279	150	8	annual	annual	ADJ
fsr-3279	150	9	income	income	NOUN
fsr-3279	150	10	ratio	ratio	NOUN
fsr-3279	150	11	is	be	AUX
fsr-3279	150	12	over	over	ADP
fsr-3279	150	13	125,000,000	125,000,000	NUM
fsr-3279	150	14	,	,	PUNCT
fsr-3279	150	15	whereas	whereas	SCONJ
fsr-3279	150	16	the	the	DET
fsr-3279	150	17	maximum	maximum	ADJ
fsr-3279	150	18	value	value	NOUN
fsr-3279	150	19	of	of	ADP
fsr-3279	150	20	the	the	DET
fsr-3279	150	21	investments	investment	NOUN
fsr-3279	150	22	to	to	PART
fsr-3279	150	23	total	total	VERB
fsr-3279	150	24	assets	asset	NOUN
fsr-3279	150	25	ratio	ratio	NOUN
fsr-3279	150	26	is	be	AUX
fsr-3279	150	27	only	only	ADV
fsr-3279	150	28	1.00	1.00	NUM
fsr-3279	150	29	.	.	PUNCT
fsr-3279	151	1	for	for	ADP
fsr-3279	151	2	all	all	DET
fsr-3279	151	3	households	household	NOUN
fsr-3279	151	4	,	,	PUNCT
fsr-3279	151	5	the	the	DET
fsr-3279	151	6	median	median	ADJ
fsr-3279	151	7	level	level	NOUN
fsr-3279	151	8	of	of	ADP
fsr-3279	151	9	the	the	DET
fsr-3279	151	10	investments	investment	NOUN
fsr-3279	151	11	to	to	PART
fsr-3279	151	12	net	net	VERB
fsr-3279	151	13	worth	worth	ADJ
fsr-3279	151	14	ratio	ratio	NOUN
fsr-3279	151	15	is	be	AUX
fsr-3279	151	16	0.35	0.35	NUM
fsr-3279	151	17	,	,	PUNCT
fsr-3279	151	18	the	the	DET
fsr-3279	151	19	median	median	NOUN
fsr-3279	151	20	for	for	ADP
fsr-3279	151	21	the	the	DET
fsr-3279	151	22	investments	investment	NOUN
fsr-3279	151	23	to	to	ADP
fsr-3279	151	24	normal	normal	ADJ
fsr-3279	151	25	income	income	NOUN
fsr-3279	151	26	ratio	ratio	NOUN
fsr-3279	151	27	is	be	AUX
fsr-3279	151	28	0.31	0.31	NUM
fsr-3279	151	29	,	,	PUNCT
fsr-3279	151	30	and	and	CCONJ
fsr-3279	151	31	the	the	DET
fsr-3279	151	32	median	median	NOUN
fsr-3279	151	33	for	for	ADP
fsr-3279	151	34	the	the	DET
fsr-3279	151	35	investments	investment	NOUN
fsr-3279	151	36	to	to	PART
fsr-3279	151	37	total	total	VERB
fsr-3279	151	38	assets	asset	NOUN
fsr-3279	151	39	ratio	ratio	NOUN
fsr-3279	151	40	is	be	AUX
fsr-3279	151	41	0.17	0.17	NUM
fsr-3279	151	42	.	.	PUNCT
fsr-3279	152	1	for	for	ADP
fsr-3279	152	2	all	all	DET
fsr-3279	152	3	households	household	NOUN
fsr-3279	152	4	,	,	PUNCT
fsr-3279	152	5	the	the	DET
fsr-3279	152	6	skewness	skewness	NOUN
fsr-3279	152	7	of	of	ADP
fsr-3279	152	8	the	the	DET
fsr-3279	152	9	investments	investment	NOUN
fsr-3279	152	10	to	to	PART
fsr-3279	152	11	net	net	VERB
fsr-3279	152	12	worth	worth	NOUN
fsr-3279	152	13	and	and	CCONJ
fsr-3279	152	14	the	the	DET
fsr-3279	152	15	investments	investment	NOUN
fsr-3279	152	16	to	to	ADP
fsr-3279	152	17	normal	normal	ADJ
fsr-3279	152	18	income	income	NOUN
fsr-3279	152	19	ratios	ratio	NOUN
fsr-3279	152	20	are	be	AUX
fsr-3279	152	21	very	very	ADV
fsr-3279	152	22	high	high	ADJ
fsr-3279	152	23	(	(	PUNCT
fsr-3279	152	24	74	74	NUM
fsr-3279	152	25	and	and	CCONJ
fsr-3279	152	26	56	56	NUM
fsr-3279	152	27	,	,	PUNCT
fsr-3279	152	28	respectively	respectively	ADV
fsr-3279	152	29	)	)	PUNCT
fsr-3279	152	30	,	,	PUNCT
fsr-3279	152	31	but	but	CCONJ
fsr-3279	152	32	the	the	DET
fsr-3279	152	33	skewness	skewness	NOUN
fsr-3279	152	34	of	of	ADP
fsr-3279	152	35	the	the	DET
fsr-3279	152	36	investments	investment	NOUN
fsr-3279	152	37	to	to	PART
fsr-3279	152	38	total	total	VERB
fsr-3279	152	39	assets	asset	NOUN
fsr-3279	152	40	ratio	ratio	NOUN
fsr-3279	152	41	is	be	AUX
fsr-3279	152	42	only	only	ADV
fsr-3279	152	43	0.7	0.7	NUM
fsr-3279	152	44	.	.	PUNCT
fsr-3279	153	1	the	the	DET
fsr-3279	153	2	columns	column	NOUN
fsr-3279	153	3	for	for	ADP
fsr-3279	153	4	the	the	DET
fsr-3279	153	5	ratio	ratio	NOUN
fsr-3279	153	6	with	with	ADP
fsr-3279	153	7	non	non	ADJ
fsr-3279	153	8	-	-	ADJ
fsr-3279	153	9	retired	retired	ADJ
fsr-3279	153	10	heads	head	NOUN
fsr-3279	153	11	correspond	correspond	VERB
fsr-3279	153	12	to	to	ADP
fsr-3279	153	13	the	the	DET
fsr-3279	153	14	sample	sample	NOUN
fsr-3279	153	15	used	use	VERB
fsr-3279	153	16	for	for	ADP
fsr-3279	153	17	the	the	DET
fsr-3279	153	18	regression	regression	NOUN
fsr-3279	153	19	analyses	analysis	NOUN
fsr-3279	153	20	.	.	PUNCT
fsr-3279	154	1	in	in	ADP
fsr-3279	154	2	addition	addition	NOUN
fsr-3279	154	3	,	,	PUNCT
fsr-3279	154	4	for	for	ADP
fsr-3279	154	5	these	these	DET
fsr-3279	154	6	columns	column	NOUN
fsr-3279	154	7	and	and	CCONJ
fsr-3279	154	8	for	for	ADP
fsr-3279	154	9	the	the	DET
fsr-3279	154	10	regression	regression	NOUN
fsr-3279	154	11	,	,	PUNCT
fsr-3279	154	12	extreme	extreme	ADJ
fsr-3279	154	13	values	value	NOUN
fsr-3279	154	14	of	of	ADP
fsr-3279	154	15	the	the	DET
fsr-3279	154	16	investments	investment	NOUN
fsr-3279	154	17	to	to	PART
fsr-3279	154	18	net	net	VERB
fsr-3279	154	19	worth	worth	ADJ
fsr-3279	154	20	ratio	ratio	NOUN
fsr-3279	154	21	and	and	CCONJ
fsr-3279	154	22	of	of	ADP
fsr-3279	154	23	the	the	DET
fsr-3279	154	24	investments	investment	NOUN
fsr-3279	154	25	to	to	ADP
fsr-3279	154	26	normal	normal	ADJ
fsr-3279	154	27	income	income	NOUN
fsr-3279	154	28	ratio	ratio	NOUN
fsr-3279	154	29	are	be	AUX
fsr-3279	154	30	recoded	recode	VERB
fsr-3279	154	31	.	.	PUNCT
fsr-3279	155	1	for	for	ADP
fsr-3279	155	2	all	all	DET
fsr-3279	155	3	households	household	NOUN
fsr-3279	155	4	,	,	PUNCT
fsr-3279	155	5	the	the	DET
fsr-3279	155	6	95th	95th	ADJ
fsr-3279	155	7	percentile	percentile	NOUN
fsr-3279	155	8	of	of	ADP
fsr-3279	155	9	the	the	DET
fsr-3279	155	10	investments	investment	NOUN
fsr-3279	155	11	to	to	PART
fsr-3279	155	12	net	net	VERB
fsr-3279	155	13	worth	worth	ADJ
fsr-3279	155	14	ratio	ratio	NOUN
fsr-3279	155	15	is	be	AUX
fsr-3279	155	16	130	130	NUM
fsr-3279	155	17	,	,	PUNCT
fsr-3279	155	18	so	so	ADV
fsr-3279	155	19	for	for	ADP
fsr-3279	155	20	households	household	NOUN
fsr-3279	155	21	with	with	ADP
fsr-3279	155	22	values	value	NOUN
fsr-3279	155	23	of	of	ADP
fsr-3279	155	24	the	the	DET
fsr-3279	155	25	ratio	ratio	NOUN
fsr-3279	155	26	above	above	ADP
fsr-3279	155	27	130	130	NUM
fsr-3279	155	28	,	,	PUNCT
fsr-3279	155	29	the	the	DET
fsr-3279	155	30	ratio	ratio	NOUN
fsr-3279	155	31	is	be	AUX
fsr-3279	155	32	recoded	recode	VERB
fsr-3279	155	33	to	to	ADP
fsr-3279	155	34	130	130	NUM
fsr-3279	155	35	to	to	PART
fsr-3279	155	36	avoid	avoid	VERB
fsr-3279	155	37	having	have	VERB
fsr-3279	155	38	overly	overly	ADV
fsr-3279	155	39	influential	influential	ADJ
fsr-3279	155	40	values	value	NOUN
fsr-3279	155	41	in	in	ADP
fsr-3279	155	42	the	the	DET
fsr-3279	155	43	regression	regression	NOUN
fsr-3279	155	44	analysis	analysis	NOUN
fsr-3279	155	45	.	.	PUNCT
fsr-3279	156	1	the	the	DET
fsr-3279	156	2	95th	95th	ADJ
fsr-3279	156	3	percentile	percentile	NOUN
fsr-3279	156	4	of	of	ADP
fsr-3279	156	5	the	the	DET
fsr-3279	156	6	investments	investment	NOUN
fsr-3279	156	7	to	to	ADP
fsr-3279	156	8	normal	normal	ADJ
fsr-3279	156	9	income	income	NOUN
fsr-3279	156	10	ratio	ratio	NOUN
fsr-3279	156	11	is	be	AUX
fsr-3279	156	12	11.43	11.43	NUM
fsr-3279	156	13	for	for	ADP
fsr-3279	156	14	all	all	DET
fsr-3279	156	15	households	household	NOUN
fsr-3279	156	16	.	.	PUNCT
fsr-3279	157	1	that	that	DET
fsr-3279	157	2	level	level	NOUN
fsr-3279	157	3	is	be	AUX
fsr-3279	157	4	not	not	PART
fsr-3279	157	5	extreme	extreme	ADJ
fsr-3279	157	6	in	in	ADP
fsr-3279	157	7	terms	term	NOUN
fsr-3279	157	8	of	of	ADP
fsr-3279	157	9	the	the	DET
fsr-3279	157	10	ibbotson	ibbotson	PROPN
fsr-3279	157	11	(	(	PUNCT
fsr-3279	157	12	2008	2008	NUM
fsr-3279	157	13	)	)	PUNCT
fsr-3279	157	14	normative	normative	ADJ
fsr-3279	157	15	analysis	analysis	NOUN
fsr-3279	157	16	(	(	PUNCT
fsr-3279	157	17	see	see	VERB
fsr-3279	157	18	fig	fig	NOUN
fsr-3279	157	19	.	.	PUNCT
fsr-3279	158	1	1	1	NUM
fsr-3279	158	2	)	)	PUNCT
fsr-3279	158	3	,	,	PUNCT
fsr-3279	158	4	so	so	ADV
fsr-3279	158	5	we	we	PRON
fsr-3279	158	6	instead	instead	ADV
fsr-3279	158	7	use	use	VERB
fsr-3279	158	8	the	the	DET
fsr-3279	158	9	approximate	approximate	ADJ
fsr-3279	158	10	level	level	NOUN
fsr-3279	158	11	of	of	ADP
fsr-3279	158	12	the	the	DET
fsr-3279	158	13	99th	99th	ADJ
fsr-3279	158	14	percentile	percentile	NOUN
fsr-3279	158	15	in	in	ADP
fsr-3279	158	16	the	the	DET
fsr-3279	158	17	full	full	ADJ
fsr-3279	158	18	sample	sample	NOUN
fsr-3279	158	19	,	,	PUNCT
fsr-3279	158	20	30	30	NUM
fsr-3279	158	21	,	,	PUNCT
fsr-3279	158	22	as	as	ADP
fsr-3279	158	23	the	the	DET
fsr-3279	158	24	point	point	NOUN
fsr-3279	158	25	of	of	ADP
fsr-3279	158	26	recoding	recode	VERB
fsr-3279	158	27	for	for	ADP
fsr-3279	158	28	our	our	PRON
fsr-3279	158	29	analytic	analytic	ADJ
fsr-3279	158	30	sample	sample	NOUN
fsr-3279	158	31	of	of	ADP
fsr-3279	158	32	non	non	ADJ
fsr-3279	158	33	-	-	ADJ
fsr-3279	158	34	retired	retired	ADJ
fsr-3279	158	35	households	household	NOUN
fsr-3279	158	36	.	.	PUNCT
fsr-3279	159	1	values	value	NOUN
fsr-3279	159	2	of	of	ADP
fsr-3279	159	3	the	the	DET
fsr-3279	159	4	investments	investment	NOUN
fsr-3279	159	5	to	to	ADP
fsr-3279	159	6	normal	normal	ADJ
fsr-3279	159	7	income	income	NOUN
fsr-3279	159	8	ratio	ratio	NOUN
fsr-3279	159	9	above	above	ADP
fsr-3279	159	10	30	30	NUM
fsr-3279	159	11	are	be	AUX
fsr-3279	159	12	recoded	recode	VERB
fsr-3279	159	13	to	to	ADP
fsr-3279	159	14	30	30	NUM
fsr-3279	159	15	.	.	PUNCT
fsr-3279	160	1	the	the	DET
fsr-3279	160	2	rationale	rationale	NOUN
fsr-3279	160	3	for	for	ADP
fsr-3279	160	4	both	both	PRON
fsr-3279	160	5	of	of	ADP
fsr-3279	160	6	these	these	DET
fsr-3279	160	7	recoding	recode	VERB
fsr-3279	160	8	rules	rule	NOUN
fsr-3279	160	9	is	be	AUX
fsr-3279	160	10	to	to	PART
fsr-3279	160	11	limit	limit	VERB
fsr-3279	160	12	the	the	DET
fsr-3279	160	13	effect	effect	NOUN
fsr-3279	160	14	of	of	ADP
fsr-3279	160	15	a	a	DET
fsr-3279	160	16	few	few	ADJ
fsr-3279	160	17	extreme	extreme	ADJ
fsr-3279	160	18	values	value	NOUN
fsr-3279	160	19	on	on	ADP
fsr-3279	160	20	the	the	DET
fsr-3279	160	21	dependent	dependent	ADJ
fsr-3279	160	22	variable	variable	NOUN
fsr-3279	160	23	.	.	PUNCT
fsr-3279	161	1	table	table	NOUN
fsr-3279	161	2	3	3	NUM
fsr-3279	161	3	shows	show	NOUN
fsr-3279	161	4	mean	mean	VERB
fsr-3279	161	5	and	and	CCONJ
fsr-3279	161	6	median	median	ADJ
fsr-3279	161	7	values	value	NOUN
fsr-3279	161	8	of	of	ADP
fsr-3279	161	9	the	the	DET
fsr-3279	161	10	three	three	NUM
fsr-3279	161	11	ratios	ratio	NOUN
fsr-3279	161	12	by	by	ADP
fsr-3279	161	13	age	age	NOUN
fsr-3279	161	14	ranges	range	NOUN
fsr-3279	161	15	.	.	PUNCT
fsr-3279	162	1	the	the	DET
fsr-3279	162	2	mean	mean	ADJ
fsr-3279	162	3	values	value	NOUN
fsr-3279	162	4	of	of	ADP
fsr-3279	162	5	the	the	DET
fsr-3279	162	6	investments	investment	NOUN
fsr-3279	162	7	to	to	PART
fsr-3279	162	8	net	net	VERB
fsr-3279	162	9	worth	worth	ADJ
fsr-3279	162	10	ratio	ratio	NOUN
fsr-3279	162	11	decrease	decrease	NOUN
fsr-3279	162	12	by	by	ADP
fsr-3279	162	13	age	age	NOUN
fsr-3279	162	14	,	,	PUNCT
fsr-3279	162	15	contrary	contrary	ADJ
fsr-3279	162	16	to	to	ADP
fsr-3279	162	17	textbook	textbook	NOUN
fsr-3279	162	18	discussions	discussion	NOUN
fsr-3279	162	19	of	of	ADP
fsr-3279	162	20	the	the	DET
fsr-3279	162	21	desirable	desirable	ADJ
fsr-3279	162	22	patterns	pattern	NOUN
fsr-3279	162	23	of	of	ADP
fsr-3279	162	24	the	the	DET
fsr-3279	162	25	ratio	ratio	NOUN
fsr-3279	162	26	by	by	ADP
fsr-3279	162	27	age	age	NOUN
fsr-3279	162	28	(	(	PUNCT
fsr-3279	162	29	devaney	devaney	PROPN
fsr-3279	162	30	,	,	PUNCT
fsr-3279	162	31	1997	1997	NUM
fsr-3279	162	32	;	;	PUNCT
fsr-3279	162	33	garman	garman	NOUN
fsr-3279	162	34	and	and	CCONJ
fsr-3279	162	35	forgue	forgue	NOUN
fsr-3279	162	36	,	,	PUNCT
fsr-3279	162	37	2003	2003	NUM
fsr-3279	162	38	)	)	PUNCT
fsr-3279	162	39	.	.	PUNCT
fsr-3279	163	1	the	the	DET
fsr-3279	163	2	median	median	ADJ
fsr-3279	163	3	value	value	NOUN
fsr-3279	163	4	of	of	ADP
fsr-3279	163	5	the	the	DET
fsr-3279	163	6	investments	investment	NOUN
fsr-3279	163	7	to	to	PART
fsr-3279	163	8	net	net	VERB
fsr-3279	163	9	worth	worth	ADJ
fsr-3279	163	10	ratio	ratio	NOUN
fsr-3279	163	11	increases	increase	NOUN
fsr-3279	163	12	by	by	ADP
fsr-3279	163	13	age	age	NOUN
fsr-3279	163	14	up	up	ADP
fsr-3279	163	15	to	to	ADP
fsr-3279	163	16	the	the	DET
fsr-3279	163	17	55	55	NUM
fsr-3279	163	18	to	to	PART
fsr-3279	163	19	64	64	NUM
fsr-3279	163	20	age	age	NOUN
fsr-3279	163	21	range	range	NOUN
fsr-3279	163	22	.	.	PUNCT
fsr-3279	164	1	the	the	DET
fsr-3279	164	2	mean	mean	ADJ
fsr-3279	164	3	value	value	NOUN
fsr-3279	164	4	of	of	ADP
fsr-3279	164	5	the	the	DET
fsr-3279	164	6	investments	investment	NOUN
fsr-3279	164	7	to	to	ADP
fsr-3279	164	8	normal	normal	ADJ
fsr-3279	164	9	income	income	NOUN
fsr-3279	164	10	ratio	ratio	NOUN
fsr-3279	164	11	increases	increase	NOUN
fsr-3279	164	12	by	by	ADP
fsr-3279	164	13	age	age	NOUN
fsr-3279	164	14	,	,	PUNCT
fsr-3279	164	15	from	from	ADP
fsr-3279	164	16	0.50	0.50	NUM
fsr-3279	164	17	for	for	ADP
fsr-3279	164	18	those	those	PRON
fsr-3279	164	19	under	under	ADP
fsr-3279	164	20	25	25	NUM
fsr-3279	164	21	to	to	PART
fsr-3279	164	22	3.99	3.99	NUM
fsr-3279	164	23	for	for	ADP
fsr-3279	164	24	those	those	DET
fsr-3279	164	25	65	65	NUM
fsr-3279	164	26	and	and	CCONJ
fsr-3279	164	27	over	over	ADV
fsr-3279	164	28	.	.	PUNCT
fsr-3279	165	1	the	the	DET
fsr-3279	165	2	median	median	ADJ
fsr-3279	165	3	value	value	NOUN
fsr-3279	165	4	of	of	ADP
fsr-3279	165	5	the	the	DET
fsr-3279	165	6	investments	investment	NOUN
fsr-3279	165	7	to	to	PART
fsr-3279	165	8	table	table	VERB
fsr-3279	165	9	2	2	NUM
fsr-3279	165	10	distribution	distribution	NOUN
fsr-3279	165	11	of	of	ADP
fsr-3279	165	12	three	three	NUM
fsr-3279	165	13	investment	investment	NOUN
fsr-3279	165	14	ratios	ratio	NOUN
fsr-3279	165	15	,	,	PUNCT
fsr-3279	165	16	all	all	DET
fsr-3279	165	17	households	household	NOUN
fsr-3279	165	18	(	(	PUNCT
fsr-3279	165	19	untrimmed	untrimme	VERB
fsr-3279	165	20	)	)	PUNCT
fsr-3279	165	21	and	and	CCONJ
fsr-3279	165	22	households	household	NOUN
fsr-3279	165	23	with	with	ADP
fsr-3279	165	24	non	non	ADJ
fsr-3279	165	25	-	-	ADJ
fsr-3279	165	26	retired	retired	ADJ
fsr-3279	165	27	head	head	NOUN
fsr-3279	165	28	,	,	PUNCT
fsr-3279	165	29	trimmed	trim	VERB
fsr-3279	165	30	ratios	ratio	NOUN
fsr-3279	165	31	distribution	distribution	NOUN
fsr-3279	165	32	investment	investment	NOUN
fsr-3279	165	33	/	/	SYM
fsr-3279	165	34	net	net	NOUN
fsr-3279	165	35	worth	worth	ADJ
fsr-3279	165	36	investment	investment	NOUN
fsr-3279	165	37	/	/	SYM
fsr-3279	165	38	normal	normal	ADJ
fsr-3279	165	39	income	income	NOUN
fsr-3279	165	40	investment	investment	NOUN
fsr-3279	165	41	/	/	SYM
fsr-3279	165	42	total	total	ADJ
fsr-3279	165	43	assets	asset	NOUN
fsr-3279	165	44	all	all	DET
fsr-3279	165	45	households	household	NOUN
fsr-3279	165	46	all	all	DET
fsr-3279	165	47	non	non	ADJ
fsr-3279	165	48	-	-	ADJ
fsr-3279	165	49	retired	retired	ADJ
fsr-3279	165	50	*	*	PUNCT
fsr-3279	165	51	all	all	DET
fsr-3279	165	52	households	household	NOUN
fsr-3279	165	53	all	all	DET
fsr-3279	165	54	non	non	ADJ
fsr-3279	165	55	-	-	ADJ
fsr-3279	165	56	retired	retired	ADJ
fsr-3279	165	57	*	*	NOUN
fsr-3279	165	58	*	*	PUNCT
fsr-3279	165	59	all	all	DET
fsr-3279	165	60	households	household	NOUN
fsr-3279	165	61	all	all	DET
fsr-3279	165	62	non	non	ADJ
fsr-3279	165	63	-	-	ADJ
fsr-3279	165	64	retired	retired	ADJ
fsr-3279	165	65	mean	mean	NOUN
fsr-3279	165	66	1026.43	1026.43	NUM
fsr-3279	165	67	6.98	6.98	NUM
fsr-3279	165	68	383.17	383.17	NUM
fsr-3279	165	69	2.32	2.32	NUM
fsr-3279	165	70	0.28	0.28	NUM
fsr-3279	165	71	0.29	0.29	NUM
fsr-3279	165	72	maximum	maximum	NOUN
fsr-3279	165	73	58,580,000	58,580,000	NUM
fsr-3279	165	74	130.00	130.00	NUM
fsr-3279	165	75	125,340,000	125,340,000	NUM
fsr-3279	165	76	30.00	30.00	NUM
fsr-3279	165	77	1.00	1.00	NUM
fsr-3279	165	78	1.00	1.00	NUM
fsr-3279	165	79	99th	99th	ADJ
fsr-3279	165	80	percentile	percentile	NOUN
fsr-3279	165	81	20,000	20,000	NUM
fsr-3279	165	82	130.00	130.00	NUM
fsr-3279	165	83	30.35	30.35	NUM
fsr-3279	165	84	30.00	30.00	NUM
fsr-3279	165	85	0.98	0.98	NUM
fsr-3279	165	86	0.98	0.98	NUM
fsr-3279	165	87	95th	95th	ADJ
fsr-3279	165	88	percentile	percentile	ADJ
fsr-3279	165	89	130.00	130.00	NUM
fsr-3279	165	90	100.00	100.00	NUM
fsr-3279	165	91	11.43	11.43	NUM
fsr-3279	165	92	11.74	11.74	NUM
fsr-3279	165	93	0.76	0.76	NUM
fsr-3279	165	94	0.88	0.88	NUM
fsr-3279	165	95	75th	75th	NOUN
fsr-3279	165	96	percentile	percentile	NOUN
fsr-3279	165	97	0.76	0.76	NUM
fsr-3279	165	98	0.77	0.77	NUM
fsr-3279	165	99	2.12	2.12	NUM
fsr-3279	165	100	2.25	2.25	NUM
fsr-3279	165	101	0.52	0.52	NUM
fsr-3279	165	102	0.53	0.53	NUM
fsr-3279	165	103	median	median	NOUN
fsr-3279	165	104	0.35	0.35	NUM
fsr-3279	165	105	0.37	0.37	NUM
fsr-3279	165	106	0.31	0.31	NUM
fsr-3279	165	107	0.38	0.38	NUM
fsr-3279	165	108	0.17	0.17	NUM
fsr-3279	165	109	0.19	0.19	NUM
fsr-3279	165	110	25	25	NUM
fsr-3279	166	1	percentile	percentile	ADJ
fsr-3279	167	1	0.00	0.00	NUM
fsr-3279	167	2	0.00	0.00	NUM
fsr-3279	167	3	0.00	0.00	NUM
fsr-3279	167	4	0.00	0.00	NUM
fsr-3279	167	5	0.00	0.00	NUM
fsr-3279	167	6	0.00	0.00	NUM
fsr-3279	167	7	minimum	minimum	NOUN
fsr-3279	167	8	0.00	0.00	NUM
fsr-3279	167	9	0.00	0.00	NUM
fsr-3279	167	10	0.00	0.00	NUM
fsr-3279	167	11	0.00	0.00	NUM
fsr-3279	167	12	0.00	0.00	NUM
fsr-3279	167	13	0.00	0.00	NUM
fsr-3279	167	14	skewness	skewness	NOUN
fsr-3279	167	15	74.35	74.35	NUM
fsr-3279	167	16	4.57	4.57	NUM
fsr-3279	167	17	55.80	55.80	NUM
fsr-3279	167	18	3.10	3.10	NUM
fsr-3279	167	19	0.70	0.70	NUM
fsr-3279	167	20	0.65	0.65	NUM
fsr-3279	167	21	note	note	NOUN
fsr-3279	167	22	:	:	PUNCT
fsr-3279	167	23	analysis	analysis	NOUN
fsr-3279	167	24	by	by	ADP
fsr-3279	167	25	authors	author	NOUN
fsr-3279	167	26	of	of	ADP
fsr-3279	167	27	2013	2013	NUM
fsr-3279	167	28	survey	survey	NOUN
fsr-3279	167	29	of	of	ADP
fsr-3279	167	30	consumer	consumer	NOUN
fsr-3279	167	31	finances	finance	NOUN
fsr-3279	167	32	,	,	PUNCT
fsr-3279	167	33	weighted	weight	VERB
fsr-3279	167	34	.	.	PUNCT
fsr-3279	168	1	ratios	ratio	NOUN
fsr-3279	168	2	defined	define	VERB
fsr-3279	168	3	as	as	ADP
fsr-3279	168	4	value	value	NOUN
fsr-3279	168	5	of	of	ADP
fsr-3279	168	6	investments	investment	NOUN
fsr-3279	168	7	if	if	SCONJ
fsr-3279	168	8	denominator	denominator	NOUN
fsr-3279	168	9	�	�	PROPN
fsr-3279	168	10	0	0	NUM
fsr-3279	168	11	.	.	PUNCT
fsr-3279	168	12	recoded	recode	VERB
fsr-3279	168	13	to	to	ADP
fsr-3279	168	14	0	0	NUM
fsr-3279	168	15	if	if	SCONJ
fsr-3279	168	16	investments	investment	NOUN
fsr-3279	168	17	�	�	PROPN
fsr-3279	168	18	0	0	NUM
fsr-3279	168	19	.	.	PUNCT
fsr-3279	169	1	*	*	PUNCT
fsr-3279	169	2	values	value	NOUN
fsr-3279	169	3	above	above	ADP
fsr-3279	169	4	130	130	NUM
fsr-3279	169	5	recoded	recode	VERB
fsr-3279	169	6	to	to	ADP
fsr-3279	169	7	130	130	NUM
fsr-3279	169	8	.	.	PUNCT
fsr-3279	170	1	*	*	PUNCT
fsr-3279	170	2	*	*	NOUN
fsr-3279	170	3	values	value	NOUN
fsr-3279	170	4	above	above	ADP
fsr-3279	170	5	30	30	NUM
fsr-3279	170	6	recoded	recode	VERB
fsr-3279	170	7	to	to	ADP
fsr-3279	170	8	30	30	NUM
fsr-3279	170	9	.	.	PUNCT
fsr-3279	171	1	270	270	NUM
fsr-3279	171	2	s.d	s.d	PROPN
fsr-3279	171	3	.	.	PROPN
fsr-3279	171	4	hanna	hanna	PROPN
fsr-3279	171	5	,	,	PUNCT
fsr-3279	171	6	k.t	k.t	PROPN
fsr-3279	171	7	.	.	PROPN
fsr-3279	171	8	kim	kim	PROPN
fsr-3279	171	9	/	/	SYM
fsr-3279	171	10	financial	financial	ADJ
fsr-3279	171	11	services	service	NOUN
fsr-3279	171	12	review	review	VERB
fsr-3279	171	13	25	25	NUM
fsr-3279	171	14	(	(	PUNCT
fsr-3279	171	15	2016	2016	NUM
fsr-3279	171	16	)	)	PUNCT
fsr-3279	172	1	263–277	263–277	NUM
fsr-3279	172	2	normal	normal	ADJ
fsr-3279	172	3	income	income	NOUN
fsr-3279	172	4	ratio	ratio	NOUN
fsr-3279	172	5	increases	increase	NOUN
fsr-3279	172	6	by	by	ADP
fsr-3279	172	7	age	age	NOUN
fsr-3279	172	8	,	,	PUNCT
fsr-3279	172	9	from	from	ADP
fsr-3279	172	10	0.00	0.00	NUM
fsr-3279	172	11	for	for	ADP
fsr-3279	172	12	those	those	PRON
fsr-3279	172	13	under	under	ADP
fsr-3279	172	14	25	25	NUM
fsr-3279	172	15	to	to	PART
fsr-3279	172	16	1.02	1.02	NUM
fsr-3279	172	17	for	for	ADP
fsr-3279	172	18	those	those	DET
fsr-3279	172	19	65	65	NUM
fsr-3279	172	20	and	and	CCONJ
fsr-3279	172	21	over	over	ADV
fsr-3279	172	22	.	.	PUNCT
fsr-3279	173	1	the	the	DET
fsr-3279	173	2	mean	mean	ADJ
fsr-3279	173	3	value	value	NOUN
fsr-3279	173	4	of	of	ADP
fsr-3279	173	5	the	the	DET
fsr-3279	173	6	investments	investment	NOUN
fsr-3279	173	7	to	to	ADP
fsr-3279	173	8	assets	asset	NOUN
fsr-3279	173	9	ratio	ratio	NOUN
fsr-3279	173	10	increases	increase	NOUN
fsr-3279	173	11	by	by	ADP
fsr-3279	173	12	age	age	NOUN
fsr-3279	173	13	up	up	ADP
fsr-3279	173	14	to	to	ADP
fsr-3279	173	15	the	the	DET
fsr-3279	173	16	55	55	NUM
fsr-3279	173	17	to	to	PART
fsr-3279	173	18	64	64	NUM
fsr-3279	173	19	range	range	NOUN
fsr-3279	173	20	,	,	PUNCT
fsr-3279	173	21	from	from	ADP
fsr-3279	173	22	0.13	0.13	NUM
fsr-3279	173	23	for	for	ADP
fsr-3279	173	24	those	those	DET
fsr-3279	173	25	under	under	ADP
fsr-3279	173	26	25	25	NUM
fsr-3279	173	27	to	to	PART
fsr-3279	173	28	0.36	0.36	NUM
fsr-3279	173	29	for	for	ADP
fsr-3279	173	30	those	those	PRON
fsr-3279	173	31	in	in	ADP
fsr-3279	173	32	the	the	DET
fsr-3279	173	33	55	55	NUM
fsr-3279	173	34	to	to	PART
fsr-3279	173	35	64	64	NUM
fsr-3279	173	36	range	range	NOUN
fsr-3279	173	37	.	.	PUNCT
fsr-3279	174	1	the	the	DET
fsr-3279	174	2	median	median	ADJ
fsr-3279	174	3	value	value	NOUN
fsr-3279	174	4	of	of	ADP
fsr-3279	174	5	the	the	DET
fsr-3279	174	6	investments	investment	NOUN
fsr-3279	174	7	to	to	ADP
fsr-3279	174	8	assets	asset	NOUN
fsr-3279	174	9	ratio	ratio	NOUN
fsr-3279	174	10	increases	increase	NOUN
fsr-3279	174	11	by	by	ADP
fsr-3279	174	12	age	age	NOUN
fsr-3279	174	13	up	up	ADP
fsr-3279	174	14	to	to	ADP
fsr-3279	174	15	the	the	DET
fsr-3279	174	16	55	55	NUM
fsr-3279	174	17	to	to	PART
fsr-3279	174	18	64	64	NUM
fsr-3279	174	19	range	range	NOUN
fsr-3279	174	20	,	,	PUNCT
fsr-3279	174	21	from	from	ADP
fsr-3279	174	22	0.00	0.00	NUM
fsr-3279	174	23	for	for	ADP
fsr-3279	174	24	those	those	PRON
fsr-3279	174	25	under	under	ADP
fsr-3279	174	26	25	25	NUM
fsr-3279	174	27	to	to	PART
fsr-3279	174	28	0.33	0.33	NUM
fsr-3279	174	29	for	for	ADP
fsr-3279	174	30	those	those	PRON
fsr-3279	174	31	in	in	ADP
fsr-3279	174	32	the	the	DET
fsr-3279	174	33	55	55	NUM
fsr-3279	174	34	to	to	PART
fsr-3279	174	35	64	64	NUM
fsr-3279	174	36	range	range	NOUN
fsr-3279	174	37	.	.	PUNCT
fsr-3279	175	1	3.2	3.2	NUM
fsr-3279	175	2	.	.	PUNCT
fsr-3279	176	1	regression	regression	NOUN
fsr-3279	176	2	results	result	NOUN
fsr-3279	176	3	table	table	NOUN
fsr-3279	176	4	4	4	NUM
fsr-3279	176	5	shows	show	VERB
fsr-3279	176	6	the	the	DET
fsr-3279	176	7	results	result	NOUN
fsr-3279	176	8	for	for	ADP
fsr-3279	176	9	three	three	NUM
fsr-3279	176	10	ols	ol	NOUN
fsr-3279	176	11	regressions	regression	NOUN
fsr-3279	176	12	,	,	PUNCT
fsr-3279	176	13	with	with	ADP
fsr-3279	176	14	the	the	DET
fsr-3279	176	15	dependent	dependent	ADJ
fsr-3279	176	16	variable	variable	NOUN
fsr-3279	176	17	being	be	AUX
fsr-3279	176	18	the	the	DET
fsr-3279	176	19	respondent	respondent	NOUN
fsr-3279	176	20	’s	’s	PART
fsr-3279	176	21	subjective	subjective	ADJ
fsr-3279	176	22	assessment	assessment	NOUN
fsr-3279	176	23	of	of	ADP
fsr-3279	176	24	the	the	DET
fsr-3279	176	25	adequacy	adequacy	NOUN
fsr-3279	176	26	of	of	ADP
fsr-3279	176	27	retirement	retirement	NOUN
fsr-3279	176	28	income	income	NOUN
fsr-3279	176	29	,	,	PUNCT
fsr-3279	176	30	including	include	VERB
fsr-3279	176	31	interaction	interaction	NOUN
fsr-3279	176	32	terms	term	NOUN
fsr-3279	176	33	between	between	ADP
fsr-3279	176	34	age	age	NOUN
fsr-3279	176	35	of	of	ADP
fsr-3279	176	36	the	the	DET
fsr-3279	176	37	head	head	NOUN
fsr-3279	176	38	and	and	CCONJ
fsr-3279	176	39	the	the	DET
fsr-3279	176	40	ratio	ratio	NOUN
fsr-3279	176	41	and	and	CCONJ
fsr-3279	176	42	the	the	DET
fsr-3279	176	43	square	square	NOUN
fsr-3279	176	44	of	of	ADP
fsr-3279	176	45	the	the	DET
fsr-3279	176	46	ratio	ratio	NOUN
fsr-3279	176	47	.	.	PUNCT
fsr-3279	177	1	(	(	PUNCT
fsr-3279	177	2	appendix	appendix	NOUN
fsr-3279	177	3	b	b	X
fsr-3279	177	4	has	have	VERB
fsr-3279	177	5	the	the	DET
fsr-3279	177	6	same	same	ADJ
fsr-3279	177	7	regressions	regression	NOUN
fsr-3279	177	8	without	without	ADP
fsr-3279	177	9	the	the	DET
fsr-3279	177	10	interaction	interaction	NOUN
fsr-3279	177	11	terms	term	NOUN
fsr-3279	177	12	.	.	PUNCT
fsr-3279	177	13	)	)	PUNCT
fsr-3279	178	1	the	the	DET
fsr-3279	178	2	effects	effect	NOUN
fsr-3279	178	3	of	of	ADP
fsr-3279	178	4	the	the	DET
fsr-3279	178	5	ratio	ratio	NOUN
fsr-3279	178	6	of	of	ADP
fsr-3279	178	7	investments	investment	NOUN
fsr-3279	178	8	to	to	PART
fsr-3279	178	9	net	net	VERB
fsr-3279	178	10	worth	worth	NOUN
fsr-3279	178	11	and	and	CCONJ
fsr-3279	178	12	the	the	DET
fsr-3279	178	13	square	square	NOUN
fsr-3279	178	14	of	of	ADP
fsr-3279	178	15	that	that	DET
fsr-3279	178	16	ratio	ratio	NOUN
fsr-3279	178	17	,	,	PUNCT
fsr-3279	178	18	as	as	ADV
fsr-3279	178	19	well	well	ADV
fsr-3279	178	20	as	as	ADP
fsr-3279	178	21	the	the	DET
fsr-3279	178	22	interactions	interaction	NOUN
fsr-3279	178	23	of	of	ADP
fsr-3279	178	24	age	age	NOUN
fsr-3279	178	25	with	with	ADP
fsr-3279	178	26	the	the	DET
fsr-3279	178	27	ratio	ratio	NOUN
fsr-3279	178	28	and	and	CCONJ
fsr-3279	178	29	with	with	ADP
fsr-3279	178	30	the	the	DET
fsr-3279	178	31	ratio	ratio	NOUN
fsr-3279	178	32	squared	square	VERB
fsr-3279	178	33	,	,	PUNCT
fsr-3279	178	34	are	be	AUX
fsr-3279	178	35	not	not	PART
fsr-3279	178	36	significant	significant	ADJ
fsr-3279	178	37	.	.	PUNCT
fsr-3279	179	1	age	age	NOUN
fsr-3279	179	2	and	and	CCONJ
fsr-3279	179	3	age	age	NOUN
fsr-3279	179	4	squared	square	VERB
fsr-3279	179	5	are	be	AUX
fsr-3279	179	6	significant	significant	ADJ
fsr-3279	179	7	,	,	PUNCT
fsr-3279	179	8	and	and	CCONJ
fsr-3279	179	9	the	the	DET
fsr-3279	179	10	combined	combined	ADJ
fsr-3279	179	11	effect	effect	NOUN
fsr-3279	179	12	implies	imply	VERB
fsr-3279	179	13	that	that	SCONJ
fsr-3279	179	14	at	at	ADP
fsr-3279	179	15	a	a	DET
fsr-3279	179	16	value	value	NOUN
fsr-3279	179	17	of	of	ADP
fsr-3279	179	18	the	the	DET
fsr-3279	179	19	ratio	ratio	NOUN
fsr-3279	179	20	equal	equal	ADJ
fsr-3279	179	21	to	to	ADP
fsr-3279	179	22	zero	zero	NUM
fsr-3279	179	23	,	,	PUNCT
fsr-3279	179	24	subjective	subjective	ADJ
fsr-3279	179	25	assessment	assessment	NOUN
fsr-3279	179	26	of	of	ADP
fsr-3279	179	27	retirement	retirement	NOUN
fsr-3279	179	28	adequacy	adequacy	NOUN
fsr-3279	179	29	decreases	decrease	VERB
fsr-3279	179	30	with	with	ADP
fsr-3279	179	31	age	age	NOUN
fsr-3279	179	32	up	up	ADP
fsr-3279	179	33	to	to	ADP
fsr-3279	179	34	age	age	NOUN
fsr-3279	179	35	40	40	NUM
fsr-3279	179	36	,	,	PUNCT
fsr-3279	179	37	then	then	ADV
fsr-3279	179	38	increases	increase	VERB
fsr-3279	179	39	as	as	SCONJ
fsr-3279	179	40	age	age	NOUN
fsr-3279	179	41	increases	increase	NOUN
fsr-3279	179	42	above	above	ADP
fsr-3279	179	43	age	age	NOUN
fsr-3279	179	44	40	40	NUM
fsr-3279	179	45	.	.	PUNCT
fsr-3279	180	1	homeowners	homeowner	NOUN
fsr-3279	180	2	have	have	VERB
fsr-3279	180	3	a	a	DET
fsr-3279	180	4	higher	high	ADJ
fsr-3279	180	5	level	level	NOUN
fsr-3279	180	6	of	of	ADP
fsr-3279	180	7	perceived	perceive	VERB
fsr-3279	180	8	retirement	retirement	NOUN
fsr-3279	180	9	adequacy	adequacy	NOUN
fsr-3279	180	10	than	than	ADP
fsr-3279	180	11	otherwise	otherwise	ADV
fsr-3279	180	12	similar	similar	ADJ
fsr-3279	180	13	renters	renter	NOUN
fsr-3279	180	14	.	.	PUNCT
fsr-3279	181	1	those	those	PRON
fsr-3279	181	2	with	with	ADP
fsr-3279	181	3	a	a	DET
fsr-3279	181	4	defined	define	VERB
fsr-3279	181	5	benefit	benefit	NOUN
fsr-3279	181	6	pension	pension	NOUN
fsr-3279	181	7	have	have	VERB
fsr-3279	181	8	significantly	significantly	ADV
fsr-3279	181	9	higher	high	ADJ
fsr-3279	181	10	assessments	assessment	NOUN
fsr-3279	181	11	of	of	ADP
fsr-3279	181	12	adequacy	adequacy	NOUN
fsr-3279	181	13	than	than	ADP
fsr-3279	181	14	those	those	PRON
fsr-3279	181	15	without	without	ADP
fsr-3279	181	16	one	one	NUM
fsr-3279	181	17	.	.	PUNCT
fsr-3279	182	1	households	household	NOUN
fsr-3279	182	2	with	with	ADP
fsr-3279	182	3	a	a	DET
fsr-3279	182	4	head	head	NOUN
fsr-3279	182	5	employed	employ	VERB
fsr-3279	182	6	part	part	NOUN
fsr-3279	182	7	-	-	PUNCT
fsr-3279	182	8	time	time	NOUN
fsr-3279	182	9	,	,	PUNCT
fsr-3279	182	10	and	and	CCONJ
fsr-3279	182	11	those	those	PRON
fsr-3279	182	12	with	with	ADP
fsr-3279	182	13	a	a	DET
fsr-3279	182	14	head	head	NOUN
fsr-3279	182	15	not	not	PART
fsr-3279	182	16	working	work	VERB
fsr-3279	182	17	but	but	CCONJ
fsr-3279	182	18	not	not	PART
fsr-3279	182	19	retired	retire	VERB
fsr-3279	182	20	,	,	PUNCT
fsr-3279	182	21	have	have	VERB
fsr-3279	182	22	higher	high	ADJ
fsr-3279	182	23	assessments	assessment	NOUN
fsr-3279	182	24	of	of	ADP
fsr-3279	182	25	adequacy	adequacy	NOUN
fsr-3279	182	26	than	than	ADP
fsr-3279	182	27	those	those	PRON
fsr-3279	182	28	with	with	ADP
fsr-3279	182	29	a	a	DET
fsr-3279	182	30	head	head	NOUN
fsr-3279	182	31	employed	employ	VERB
fsr-3279	182	32	full	full	ADJ
fsr-3279	182	33	-	-	PUNCT
fsr-3279	182	34	time	time	NOUN
fsr-3279	182	35	.	.	PUNCT
fsr-3279	183	1	the	the	DET
fsr-3279	183	2	adjusted	adjust	VERB
fsr-3279	183	3	r2	r2	NOUN
fsr-3279	183	4	for	for	ADP
fsr-3279	183	5	the	the	DET
fsr-3279	183	6	regression	regression	NOUN
fsr-3279	183	7	is	be	AUX
fsr-3279	183	8	0.044	0.044	NUM
fsr-3279	183	9	.	.	PUNCT
fsr-3279	184	1	for	for	ADP
fsr-3279	184	2	the	the	DET
fsr-3279	184	3	second	second	ADJ
fsr-3279	184	4	ols	ol	NOUN
fsr-3279	184	5	regression	regression	NOUN
fsr-3279	184	6	shown	show	VERB
fsr-3279	184	7	in	in	ADP
fsr-3279	184	8	table	table	NOUN
fsr-3279	184	9	4	4	NUM
fsr-3279	184	10	,	,	PUNCT
fsr-3279	184	11	the	the	DET
fsr-3279	184	12	effects	effect	NOUN
fsr-3279	184	13	of	of	ADP
fsr-3279	184	14	the	the	DET
fsr-3279	184	15	ratio	ratio	NOUN
fsr-3279	184	16	of	of	ADP
fsr-3279	184	17	investments	investment	NOUN
fsr-3279	184	18	to	to	ADP
fsr-3279	184	19	normal	normal	ADJ
fsr-3279	184	20	income	income	NOUN
fsr-3279	184	21	and	and	CCONJ
fsr-3279	184	22	the	the	DET
fsr-3279	184	23	square	square	NOUN
fsr-3279	184	24	of	of	ADP
fsr-3279	184	25	that	that	DET
fsr-3279	184	26	ratio	ratio	NOUN
fsr-3279	184	27	,	,	PUNCT
fsr-3279	184	28	as	as	ADV
fsr-3279	184	29	well	well	ADV
fsr-3279	184	30	as	as	ADP
fsr-3279	184	31	the	the	DET
fsr-3279	184	32	interactions	interaction	NOUN
fsr-3279	184	33	of	of	ADP
fsr-3279	184	34	age	age	NOUN
fsr-3279	184	35	with	with	ADP
fsr-3279	184	36	the	the	DET
fsr-3279	184	37	ratio	ratio	NOUN
fsr-3279	184	38	and	and	CCONJ
fsr-3279	184	39	with	with	ADP
fsr-3279	184	40	the	the	DET
fsr-3279	184	41	ratio	ratio	NOUN
fsr-3279	184	42	squared	square	VERB
fsr-3279	184	43	,	,	PUNCT
fsr-3279	184	44	are	be	AUX
fsr-3279	184	45	not	not	PART
fsr-3279	184	46	significant	significant	ADJ
fsr-3279	184	47	.	.	PUNCT
fsr-3279	185	1	in	in	ADP
fsr-3279	185	2	a	a	DET
fsr-3279	185	3	version	version	NOUN
fsr-3279	185	4	of	of	ADP
fsr-3279	185	5	the	the	DET
fsr-3279	185	6	regression	regression	NOUN
fsr-3279	185	7	without	without	ADP
fsr-3279	185	8	interaction	interaction	NOUN
fsr-3279	185	9	terms	term	NOUN
fsr-3279	185	10	(	(	PUNCT
fsr-3279	185	11	appendix	appendix	NOUN
fsr-3279	185	12	b	b	NOUN
fsr-3279	185	13	)	)	PUNCT
fsr-3279	185	14	,	,	PUNCT
fsr-3279	185	15	the	the	DET
fsr-3279	185	16	effects	effect	NOUN
fsr-3279	185	17	of	of	ADP
fsr-3279	185	18	the	the	DET
fsr-3279	185	19	ratio	ratio	NOUN
fsr-3279	185	20	and	and	CCONJ
fsr-3279	185	21	the	the	DET
fsr-3279	185	22	ratio	ratio	NOUN
fsr-3279	185	23	squared	square	VERB
fsr-3279	185	24	are	be	AUX
fsr-3279	185	25	significant	significant	ADJ
fsr-3279	185	26	,	,	PUNCT
fsr-3279	185	27	table	table	NOUN
fsr-3279	185	28	3	3	NUM
fsr-3279	185	29	mean	mean	NOUN
fsr-3279	185	30	and	and	CCONJ
fsr-3279	185	31	median	median	NOUN
fsr-3279	185	32	of	of	ADP
fsr-3279	185	33	ratios	ratio	NOUN
fsr-3279	185	34	by	by	ADP
fsr-3279	185	35	age	age	NOUN
fsr-3279	185	36	groups	group	NOUN
fsr-3279	185	37	age	age	NOUN
fsr-3279	185	38	range	range	NOUN
fsr-3279	185	39	investments	investment	NOUN
fsr-3279	185	40	/	/	SYM
fsr-3279	185	41	net	net	ADJ
fsr-3279	185	42	worth	worth	ADJ
fsr-3279	185	43	*	*	NOUN
fsr-3279	185	44	investments	investment	NOUN
fsr-3279	185	45	/	/	SYM
fsr-3279	185	46	normal	normal	ADJ
fsr-3279	185	47	income	income	NOUN
fsr-3279	185	48	*	*	NOUN
fsr-3279	185	49	*	*	NOUN
fsr-3279	185	50	investments	investment	NOUN
fsr-3279	185	51	/	/	SYM
fsr-3279	185	52	assets	asset	NOUN
fsr-3279	185	53	mean	mean	VERB
fsr-3279	185	54	�	�	PROPN
fsr-3279	185	55	25	25	NUM
fsr-3279	185	56	18.30	18.30	NUM
fsr-3279	185	57	0.50	0.50	NUM
fsr-3279	185	58	0.13	0.13	NUM
fsr-3279	185	59	25–34	25–34	NUM
fsr-3279	185	60	16.13	16.13	NUM
fsr-3279	185	61	0.64	0.64	NUM
fsr-3279	185	62	0.20	0.20	NUM
fsr-3279	185	63	35–44	35–44	NUM
fsr-3279	185	64	8.92	8.92	NUM
fsr-3279	185	65	1.20	1.20	NUM
fsr-3279	185	66	0.27	0.27	NUM
fsr-3279	185	67	45–54	45–54	NUM
fsr-3279	185	68	5.80	5.80	NUM
fsr-3279	185	69	2.03	2.03	NUM
fsr-3279	185	70	0.32	0.32	NUM
fsr-3279	185	71	55–64	55–64	NUM
fsr-3279	185	72	4.13	4.13	NUM
fsr-3279	185	73	3.15	3.15	NUM
fsr-3279	185	74	0.36	0.36	NUM
fsr-3279	185	75	65	65	NUM
fsr-3279	185	76	and	and	CCONJ
fsr-3279	185	77	over	over	ADP
fsr-3279	185	78	1.25	1.25	NUM
fsr-3279	185	79	3.99	3.99	NUM
fsr-3279	185	80	0.32	0.32	NUM
fsr-3279	185	81	median	median	PROPN
fsr-3279	185	82	�	�	PROPN
fsr-3279	185	83	25	25	NUM
fsr-3279	185	84	0.00	0.00	NUM
fsr-3279	185	85	0.00	0.00	NUM
fsr-3279	185	86	0.00	0.00	NUM
fsr-3279	185	87	25–34	25–34	NUM
fsr-3279	185	88	0.27	0.27	NUM
fsr-3279	185	89	0.08	0.08	NUM
fsr-3279	185	90	0.07	0.07	NUM
fsr-3279	185	91	35–44	35–44	NUM
fsr-3279	185	92	0.40	0.40	NUM
fsr-3279	185	93	0.29	0.29	NUM
fsr-3279	185	94	0.18	0.18	NUM
fsr-3279	185	95	45–54	45–54	NUM
fsr-3279	185	96	0.46	0.46	NUM
fsr-3279	185	97	0.63	0.63	NUM
fsr-3279	185	98	0.25	0.25	NUM
fsr-3279	185	99	55–64	55–64	NUM
fsr-3279	185	100	0.49	0.49	NUM
fsr-3279	185	101	0.95	0.95	NUM
fsr-3279	185	102	0.33	0.33	NUM
fsr-3279	185	103	65	65	NUM
fsr-3279	185	104	and	and	CCONJ
fsr-3279	185	105	over	over	ADP
fsr-3279	185	106	0.29	0.29	NUM
fsr-3279	185	107	1.02	1.02	NUM
fsr-3279	185	108	0.24	0.24	NUM
fsr-3279	185	109	note	note	NOUN
fsr-3279	185	110	:	:	PUNCT
fsr-3279	185	111	analysis	analysis	NOUN
fsr-3279	185	112	by	by	ADP
fsr-3279	185	113	authors	author	NOUN
fsr-3279	185	114	of	of	ADP
fsr-3279	185	115	households	household	NOUN
fsr-3279	185	116	with	with	ADP
fsr-3279	185	117	non	non	ADJ
fsr-3279	185	118	-	-	ADJ
fsr-3279	185	119	retired	retired	ADJ
fsr-3279	185	120	heads	head	NOUN
fsr-3279	185	121	of	of	ADP
fsr-3279	185	122	2013	2013	NUM
fsr-3279	185	123	survey	survey	NOUN
fsr-3279	185	124	of	of	ADP
fsr-3279	185	125	consumer	consumer	NOUN
fsr-3279	185	126	finances	finance	NOUN
fsr-3279	185	127	,	,	PUNCT
fsr-3279	185	128	weighted	weight	VERB
fsr-3279	185	129	.	.	PUNCT
fsr-3279	186	1	ratios	ratio	NOUN
fsr-3279	186	2	defined	define	VERB
fsr-3279	186	3	as	as	ADP
fsr-3279	186	4	value	value	NOUN
fsr-3279	186	5	of	of	ADP
fsr-3279	186	6	investments	investment	NOUN
fsr-3279	186	7	if	if	SCONJ
fsr-3279	186	8	denominator	denominator	NOUN
fsr-3279	186	9	�	�	PROPN
fsr-3279	186	10	0	0	NUM
fsr-3279	186	11	.	.	PUNCT
fsr-3279	186	12	recoded	recode	VERB
fsr-3279	186	13	to	to	ADP
fsr-3279	186	14	0	0	NUM
fsr-3279	186	15	if	if	SCONJ
fsr-3279	186	16	investments	investment	NOUN
fsr-3279	186	17	�	�	PROPN
fsr-3279	186	18	0	0	NUM
fsr-3279	186	19	.	.	PUNCT
fsr-3279	187	1	*	*	PUNCT
fsr-3279	187	2	values	value	NOUN
fsr-3279	187	3	above	above	ADP
fsr-3279	187	4	130	130	NUM
fsr-3279	187	5	recoded	recode	VERB
fsr-3279	187	6	to	to	ADP
fsr-3279	187	7	130	130	NUM
fsr-3279	187	8	.	.	PUNCT
fsr-3279	188	1	*	*	PUNCT
fsr-3279	188	2	*	*	NOUN
fsr-3279	188	3	values	value	NOUN
fsr-3279	188	4	above	above	ADP
fsr-3279	188	5	30	30	NUM
fsr-3279	188	6	recoded	recode	VERB
fsr-3279	188	7	to	to	ADP
fsr-3279	188	8	30	30	NUM
fsr-3279	188	9	.	.	PUNCT
fsr-3279	189	1	271s.d	271s.d	NUM
fsr-3279	189	2	.	.	PUNCT
fsr-3279	190	1	hanna	hanna	PROPN
fsr-3279	190	2	,	,	PUNCT
fsr-3279	190	3	k.t	k.t	PROPN
fsr-3279	190	4	.	.	PROPN
fsr-3279	190	5	kim	kim	PROPN
fsr-3279	190	6	/	/	SYM
fsr-3279	190	7	financial	financial	ADJ
fsr-3279	190	8	services	service	NOUN
fsr-3279	190	9	review	review	VERB
fsr-3279	190	10	25	25	NUM
fsr-3279	190	11	(	(	PUNCT
fsr-3279	190	12	2016	2016	NUM
fsr-3279	190	13	)	)	PUNCT
fsr-3279	191	1	263–277	263–277	NUM
fsr-3279	192	1	and	and	CCONJ
fsr-3279	192	2	the	the	DET
fsr-3279	192	3	combined	combined	ADJ
fsr-3279	192	4	effect	effect	NOUN
fsr-3279	192	5	of	of	ADP
fsr-3279	192	6	the	the	DET
fsr-3279	192	7	ratio	ratio	NOUN
fsr-3279	192	8	and	and	CCONJ
fsr-3279	192	9	ratio	ratio	NOUN
fsr-3279	192	10	squared	square	VERB
fsr-3279	192	11	are	be	AUX
fsr-3279	192	12	positive	positive	ADJ
fsr-3279	192	13	up	up	ADP
fsr-3279	192	14	to	to	ADP
fsr-3279	192	15	a	a	DET
fsr-3279	192	16	level	level	NOUN
fsr-3279	192	17	of	of	ADP
fsr-3279	192	18	14	14	NUM
fsr-3279	192	19	.	.	PUNCT
fsr-3279	193	1	age	age	NOUN
fsr-3279	193	2	and	and	CCONJ
fsr-3279	193	3	age	age	NOUN
fsr-3279	193	4	squared	square	VERB
fsr-3279	193	5	are	be	AUX
fsr-3279	193	6	significant	significant	ADJ
fsr-3279	193	7	,	,	PUNCT
fsr-3279	193	8	and	and	CCONJ
fsr-3279	193	9	the	the	DET
fsr-3279	193	10	combined	combined	ADJ
fsr-3279	193	11	effect	effect	NOUN
fsr-3279	193	12	implies	imply	VERB
fsr-3279	193	13	that	that	SCONJ
fsr-3279	193	14	at	at	ADP
fsr-3279	193	15	a	a	DET
fsr-3279	193	16	value	value	NOUN
fsr-3279	193	17	of	of	ADP
fsr-3279	193	18	the	the	DET
fsr-3279	193	19	ratio	ratio	NOUN
fsr-3279	193	20	equal	equal	ADJ
fsr-3279	193	21	to	to	ADP
fsr-3279	193	22	zero	zero	NUM
fsr-3279	193	23	,	,	PUNCT
fsr-3279	193	24	subjective	subjective	ADJ
fsr-3279	193	25	assessment	assessment	NOUN
fsr-3279	193	26	of	of	ADP
fsr-3279	193	27	retirement	retirement	NOUN
fsr-3279	193	28	adequacy	adequacy	NOUN
fsr-3279	193	29	decreases	decrease	VERB
fsr-3279	193	30	with	with	ADP
fsr-3279	193	31	age	age	NOUN
fsr-3279	193	32	up	up	ADP
fsr-3279	193	33	to	to	ADP
fsr-3279	193	34	age	age	NOUN
fsr-3279	193	35	41	41	NUM
fsr-3279	193	36	,	,	PUNCT
fsr-3279	193	37	then	then	ADV
fsr-3279	193	38	increases	increase	VERB
fsr-3279	193	39	as	as	SCONJ
fsr-3279	193	40	age	age	NOUN
fsr-3279	193	41	increases	increase	NOUN
fsr-3279	193	42	above	above	ADP
fsr-3279	193	43	age	age	NOUN
fsr-3279	193	44	41	41	NUM
fsr-3279	193	45	.	.	PUNCT
fsr-3279	194	1	homeowners	homeowner	NOUN
fsr-3279	194	2	have	have	VERB
fsr-3279	194	3	a	a	DET
fsr-3279	194	4	higher	high	ADJ
fsr-3279	194	5	level	level	NOUN
fsr-3279	194	6	of	of	ADP
fsr-3279	194	7	perceived	perceive	VERB
fsr-3279	194	8	retirement	retirement	NOUN
fsr-3279	194	9	adequacy	adequacy	NOUN
fsr-3279	194	10	than	than	ADP
fsr-3279	194	11	otherwise	otherwise	ADV
fsr-3279	194	12	similar	similar	ADJ
fsr-3279	194	13	renters	renter	NOUN
fsr-3279	194	14	.	.	PUNCT
fsr-3279	195	1	those	those	PRON
fsr-3279	195	2	with	with	ADP
fsr-3279	195	3	a	a	DET
fsr-3279	195	4	defined	define	VERB
fsr-3279	195	5	benefit	benefit	NOUN
fsr-3279	195	6	pension	pension	NOUN
fsr-3279	195	7	have	have	VERB
fsr-3279	195	8	significantly	significantly	ADV
fsr-3279	195	9	higher	high	ADJ
fsr-3279	195	10	assessments	assessment	NOUN
fsr-3279	195	11	of	of	ADP
fsr-3279	195	12	adequacy	adequacy	NOUN
fsr-3279	195	13	than	than	ADP
fsr-3279	195	14	those	those	PRON
fsr-3279	195	15	without	without	ADP
fsr-3279	195	16	one	one	NUM
fsr-3279	195	17	.	.	PUNCT
fsr-3279	196	1	households	household	NOUN
fsr-3279	196	2	with	with	ADP
fsr-3279	196	3	a	a	DET
fsr-3279	196	4	head	head	NOUN
fsr-3279	196	5	employed	employ	VERB
fsr-3279	196	6	part	part	NOUN
fsr-3279	196	7	-	-	PUNCT
fsr-3279	196	8	time	time	NOUN
fsr-3279	196	9	,	,	PUNCT
fsr-3279	196	10	and	and	CCONJ
fsr-3279	196	11	those	those	PRON
fsr-3279	196	12	with	with	ADP
fsr-3279	196	13	a	a	DET
fsr-3279	196	14	head	head	NOUN
fsr-3279	196	15	not	not	PART
fsr-3279	196	16	working	work	VERB
fsr-3279	196	17	but	but	CCONJ
fsr-3279	196	18	not	not	PART
fsr-3279	196	19	retired	retire	VERB
fsr-3279	196	20	,	,	PUNCT
fsr-3279	196	21	have	have	VERB
fsr-3279	196	22	higher	high	ADJ
fsr-3279	196	23	assessments	assessment	NOUN
fsr-3279	196	24	of	of	ADP
fsr-3279	196	25	adequacy	adequacy	NOUN
fsr-3279	196	26	than	than	ADP
fsr-3279	196	27	those	those	PRON
fsr-3279	196	28	with	with	ADP
fsr-3279	196	29	a	a	DET
fsr-3279	196	30	head	head	NOUN
fsr-3279	196	31	employed	employ	VERB
fsr-3279	196	32	full	full	ADJ
fsr-3279	196	33	-	-	PUNCT
fsr-3279	196	34	time	time	NOUN
fsr-3279	196	35	.	.	PUNCT
fsr-3279	197	1	the	the	DET
fsr-3279	197	2	adjusted	adjust	VERB
fsr-3279	197	3	r2	r2	NOUN
fsr-3279	197	4	for	for	ADP
fsr-3279	197	5	the	the	DET
fsr-3279	197	6	regression	regression	NOUN
fsr-3279	197	7	is	be	AUX
fsr-3279	197	8	0.050	0.050	NUM
fsr-3279	197	9	.	.	PUNCT
fsr-3279	198	1	for	for	ADP
fsr-3279	198	2	the	the	DET
fsr-3279	198	3	third	third	ADJ
fsr-3279	198	4	ols	ol	NOUN
fsr-3279	198	5	regression	regression	NOUN
fsr-3279	198	6	shown	show	VERB
fsr-3279	198	7	in	in	ADP
fsr-3279	198	8	table	table	NOUN
fsr-3279	198	9	4	4	NUM
fsr-3279	198	10	,	,	PUNCT
fsr-3279	198	11	the	the	DET
fsr-3279	198	12	effects	effect	NOUN
fsr-3279	198	13	of	of	ADP
fsr-3279	198	14	the	the	DET
fsr-3279	198	15	ratio	ratio	NOUN
fsr-3279	198	16	of	of	ADP
fsr-3279	198	17	investments	investment	NOUN
fsr-3279	198	18	to	to	ADP
fsr-3279	198	19	assets	asset	NOUN
fsr-3279	198	20	and	and	CCONJ
fsr-3279	198	21	the	the	DET
fsr-3279	198	22	square	square	NOUN
fsr-3279	198	23	of	of	ADP
fsr-3279	198	24	that	that	DET
fsr-3279	198	25	ratio	ratio	NOUN
fsr-3279	198	26	do	do	AUX
fsr-3279	198	27	not	not	PART
fsr-3279	198	28	have	have	VERB
fsr-3279	198	29	significant	significant	ADJ
fsr-3279	198	30	effects	effect	NOUN
fsr-3279	198	31	on	on	ADP
fsr-3279	198	32	retirement	retirement	NOUN
fsr-3279	198	33	adequacy	adequacy	NOUN
fsr-3279	198	34	,	,	PUNCT
fsr-3279	198	35	but	but	CCONJ
fsr-3279	198	36	the	the	DET
fsr-3279	198	37	interaction	interaction	NOUN
fsr-3279	198	38	of	of	ADP
fsr-3279	198	39	age	age	NOUN
fsr-3279	198	40	and	and	CCONJ
fsr-3279	198	41	the	the	DET
fsr-3279	198	42	ratio	ratio	NOUN
fsr-3279	198	43	is	be	AUX
fsr-3279	198	44	significant	significant	ADJ
fsr-3279	198	45	and	and	CCONJ
fsr-3279	198	46	positive	positive	ADJ
fsr-3279	198	47	.	.	PUNCT
fsr-3279	199	1	in	in	ADP
fsr-3279	199	2	a	a	DET
fsr-3279	199	3	version	version	NOUN
fsr-3279	199	4	of	of	ADP
fsr-3279	199	5	the	the	DET
fsr-3279	199	6	regression	regression	NOUN
fsr-3279	199	7	without	without	ADP
fsr-3279	199	8	interaction	interaction	NOUN
fsr-3279	199	9	terms	term	NOUN
fsr-3279	199	10	(	(	PUNCT
fsr-3279	199	11	appendix	appendix	NOUN
fsr-3279	199	12	b	b	NOUN
fsr-3279	199	13	)	)	PUNCT
fsr-3279	199	14	,	,	PUNCT
fsr-3279	199	15	the	the	DET
fsr-3279	199	16	effects	effect	NOUN
fsr-3279	199	17	of	of	ADP
fsr-3279	199	18	the	the	DET
fsr-3279	199	19	ratio	ratio	NOUN
fsr-3279	199	20	and	and	CCONJ
fsr-3279	199	21	the	the	DET
fsr-3279	199	22	ratio	ratio	NOUN
fsr-3279	199	23	squared	square	VERB
fsr-3279	199	24	are	be	AUX
fsr-3279	199	25	significant	significant	ADJ
fsr-3279	199	26	,	,	PUNCT
fsr-3279	199	27	and	and	CCONJ
fsr-3279	199	28	the	the	DET
fsr-3279	199	29	combined	combined	ADJ
fsr-3279	199	30	effect	effect	NOUN
fsr-3279	199	31	of	of	ADP
fsr-3279	199	32	the	the	DET
fsr-3279	199	33	ratio	ratio	NOUN
fsr-3279	199	34	and	and	CCONJ
fsr-3279	199	35	the	the	DET
fsr-3279	199	36	ratio	ratio	NOUN
fsr-3279	199	37	squared	square	VERB
fsr-3279	199	38	are	be	AUX
fsr-3279	199	39	positive	positive	ADJ
fsr-3279	199	40	up	up	ADP
fsr-3279	199	41	to	to	ADP
fsr-3279	199	42	a	a	DET
fsr-3279	199	43	level	level	NOUN
fsr-3279	199	44	of	of	ADP
fsr-3279	199	45	0.52	0.52	NUM
fsr-3279	199	46	.	.	PUNCT
fsr-3279	200	1	age	age	NOUN
fsr-3279	200	2	and	and	CCONJ
fsr-3279	200	3	age	age	NOUN
fsr-3279	200	4	squared	square	VERB
fsr-3279	200	5	are	be	AUX
fsr-3279	200	6	significant	significant	ADJ
fsr-3279	200	7	,	,	PUNCT
fsr-3279	200	8	and	and	CCONJ
fsr-3279	200	9	the	the	DET
fsr-3279	200	10	combined	combined	ADJ
fsr-3279	200	11	effect	effect	NOUN
fsr-3279	200	12	implies	imply	VERB
fsr-3279	200	13	that	that	SCONJ
fsr-3279	200	14	at	at	ADP
fsr-3279	200	15	a	a	DET
fsr-3279	200	16	value	value	NOUN
fsr-3279	200	17	of	of	ADP
fsr-3279	200	18	the	the	DET
fsr-3279	200	19	ratio	ratio	NOUN
fsr-3279	200	20	equal	equal	ADJ
fsr-3279	200	21	to	to	ADP
fsr-3279	200	22	zero	zero	NUM
fsr-3279	200	23	,	,	PUNCT
fsr-3279	200	24	subjective	subjective	ADJ
fsr-3279	200	25	assessment	assessment	NOUN
fsr-3279	200	26	of	of	ADP
fsr-3279	200	27	retirement	retirement	NOUN
fsr-3279	200	28	adequacy	adequacy	NOUN
fsr-3279	200	29	decreases	decrease	VERB
fsr-3279	200	30	with	with	ADP
fsr-3279	200	31	age	age	NOUN
fsr-3279	200	32	up	up	ADP
fsr-3279	200	33	to	to	ADP
fsr-3279	200	34	age	age	NOUN
fsr-3279	200	35	46	46	NUM
fsr-3279	200	36	,	,	PUNCT
fsr-3279	200	37	then	then	ADV
fsr-3279	200	38	increases	increase	VERB
fsr-3279	200	39	as	as	SCONJ
fsr-3279	200	40	age	age	NOUN
fsr-3279	200	41	increases	increase	NOUN
fsr-3279	200	42	above	above	ADP
fsr-3279	200	43	age	age	NOUN
fsr-3279	200	44	46	46	NUM
fsr-3279	200	45	.	.	PUNCT
fsr-3279	201	1	those	those	PRON
fsr-3279	201	2	with	with	ADP
fsr-3279	201	3	a	a	DET
fsr-3279	201	4	defined	define	VERB
fsr-3279	201	5	benefit	benefit	NOUN
fsr-3279	201	6	pension	pension	NOUN
fsr-3279	201	7	have	have	VERB
fsr-3279	201	8	significantly	significantly	ADV
fsr-3279	201	9	higher	high	ADJ
fsr-3279	201	10	assessments	assessment	NOUN
fsr-3279	201	11	of	of	ADP
fsr-3279	201	12	adequacy	adequacy	NOUN
fsr-3279	201	13	than	than	ADP
fsr-3279	201	14	those	those	PRON
fsr-3279	201	15	without	without	ADP
fsr-3279	201	16	one	one	NUM
fsr-3279	201	17	.	.	PUNCT
fsr-3279	202	1	households	household	NOUN
fsr-3279	202	2	with	with	ADP
fsr-3279	202	3	a	a	DET
fsr-3279	202	4	head	head	NOUN
fsr-3279	202	5	employed	employ	VERB
fsr-3279	202	6	part	part	NOUN
fsr-3279	202	7	-	-	PUNCT
fsr-3279	202	8	time	time	NOUN
fsr-3279	202	9	,	,	PUNCT
fsr-3279	202	10	and	and	CCONJ
fsr-3279	202	11	those	those	PRON
fsr-3279	202	12	with	with	ADP
fsr-3279	202	13	a	a	DET
fsr-3279	202	14	head	head	NOUN
fsr-3279	202	15	not	not	PART
fsr-3279	202	16	working	work	VERB
fsr-3279	202	17	but	but	CCONJ
fsr-3279	202	18	not	not	PART
fsr-3279	202	19	retired	retire	VERB
fsr-3279	202	20	,	,	PUNCT
fsr-3279	202	21	have	have	VERB
fsr-3279	202	22	higher	high	ADJ
fsr-3279	202	23	assessments	assessment	NOUN
fsr-3279	202	24	of	of	ADP
fsr-3279	202	25	adequacy	adequacy	NOUN
fsr-3279	202	26	than	than	ADP
fsr-3279	202	27	those	those	PRON
fsr-3279	202	28	with	with	ADP
fsr-3279	202	29	a	a	DET
fsr-3279	202	30	head	head	NOUN
fsr-3279	202	31	employed	employ	VERB
fsr-3279	202	32	full	full	ADJ
fsr-3279	202	33	-	-	PUNCT
fsr-3279	202	34	time	time	NOUN
fsr-3279	202	35	.	.	PUNCT
fsr-3279	203	1	the	the	DET
fsr-3279	203	2	adjusted	adjust	VERB
fsr-3279	203	3	r2	r2	NOUN
fsr-3279	203	4	for	for	ADP
fsr-3279	203	5	the	the	DET
fsr-3279	203	6	regression	regression	NOUN
fsr-3279	203	7	is	be	AUX
fsr-3279	203	8	0.058	0.058	NUM
fsr-3279	203	9	.	.	PUNCT
fsr-3279	204	1	table	table	NOUN
fsr-3279	204	2	5	5	NUM
fsr-3279	204	3	shows	show	VERB
fsr-3279	204	4	the	the	DET
fsr-3279	204	5	levels	level	NOUN
fsr-3279	204	6	of	of	ADP
fsr-3279	204	7	each	each	DET
fsr-3279	204	8	ratio	ratio	NOUN
fsr-3279	204	9	for	for	ADP
fsr-3279	204	10	which	which	PRON
fsr-3279	204	11	there	there	PRON
fsr-3279	204	12	is	be	VERB
fsr-3279	204	13	an	an	DET
fsr-3279	204	14	extreme	extreme	ADJ
fsr-3279	204	15	point	point	NOUN
fsr-3279	204	16	in	in	ADP
fsr-3279	204	17	terms	term	NOUN
fsr-3279	204	18	of	of	ADP
fsr-3279	204	19	the	the	DET
fsr-3279	204	20	combined	combine	VERB
fsr-3279	204	21	effects	effect	NOUN
fsr-3279	204	22	of	of	ADP
fsr-3279	204	23	the	the	DET
fsr-3279	204	24	ratio	ratio	NOUN
fsr-3279	204	25	and	and	CCONJ
fsr-3279	204	26	ratio	ratio	NOUN
fsr-3279	204	27	squared	square	VERB
fsr-3279	204	28	and	and	CCONJ
fsr-3279	204	29	the	the	DET
fsr-3279	204	30	interaction	interaction	NOUN
fsr-3279	204	31	terms	term	NOUN
fsr-3279	204	32	in	in	ADP
fsr-3279	204	33	each	each	DET
fsr-3279	204	34	regression	regression	NOUN
fsr-3279	204	35	,	,	PUNCT
fsr-3279	204	36	based	base	VERB
fsr-3279	204	37	on	on	ADP
fsr-3279	204	38	the	the	DET
fsr-3279	204	39	formula	formula	NOUN
fsr-3279	204	40	shown	show	VERB
fsr-3279	204	41	in	in	ADP
fsr-3279	204	42	appendix	appendix	ADJ
fsr-3279	204	43	a.	a.	NOUN
fsr-3279	204	44	all	all	PRON
fsr-3279	204	45	of	of	ADP
fsr-3279	204	46	the	the	DET
fsr-3279	204	47	numbers	number	NOUN
fsr-3279	204	48	shown	show	VERB
fsr-3279	204	49	in	in	ADP
fsr-3279	204	50	table	table	NOUN
fsr-3279	204	51	5	5	NUM
fsr-3279	204	52	represent	represent	VERB
fsr-3279	204	53	maximum	maximum	ADJ
fsr-3279	204	54	points	point	NOUN
fsr-3279	204	55	,	,	PUNCT
fsr-3279	204	56	for	for	ADP
fsr-3279	204	57	example	example	NOUN
fsr-3279	204	58	,	,	PUNCT
fsr-3279	204	59	for	for	ADP
fsr-3279	204	60	a	a	DET
fsr-3279	204	61	household	household	NOUN
fsr-3279	204	62	head	head	NOUN
fsr-3279	204	63	age	age	NOUN
fsr-3279	204	64	25	25	NUM
fsr-3279	204	65	,	,	PUNCT
fsr-3279	204	66	the	the	DET
fsr-3279	204	67	level	level	NOUN
fsr-3279	204	68	of	of	ADP
fsr-3279	204	69	the	the	DET
fsr-3279	204	70	investments	investment	NOUN
fsr-3279	204	71	to	to	ADP
fsr-3279	204	72	assets	asset	NOUN
fsr-3279	204	73	ratio	ratio	NOUN
fsr-3279	204	74	that	that	PRON
fsr-3279	204	75	maximizes	maximize	VERB
fsr-3279	204	76	the	the	DET
fsr-3279	204	77	assessment	assessment	NOUN
fsr-3279	204	78	of	of	ADP
fsr-3279	204	79	retirement	retirement	NOUN
fsr-3279	204	80	income	income	NOUN
fsr-3279	204	81	is	be	AUX
fsr-3279	204	82	0.44	0.44	NUM
fsr-3279	204	83	.	.	PUNCT
fsr-3279	205	1	there	there	PRON
fsr-3279	205	2	is	be	VERB
fsr-3279	205	3	no	no	DET
fsr-3279	205	4	table	table	NOUN
fsr-3279	205	5	4	4	NUM
fsr-3279	205	6	regressions	regression	NOUN
fsr-3279	205	7	on	on	ADP
fsr-3279	205	8	subjective	subjective	ADJ
fsr-3279	205	9	assessment	assessment	NOUN
fsr-3279	205	10	of	of	ADP
fsr-3279	205	11	retirement	retirement	NOUN
fsr-3279	205	12	adequacy	adequacy	NOUN
fsr-3279	205	13	,	,	PUNCT
fsr-3279	205	14	among	among	ADP
fsr-3279	205	15	households	household	NOUN
fsr-3279	205	16	with	with	ADP
fsr-3279	205	17	non	non	ADJ
fsr-3279	205	18	-	-	ADJ
fsr-3279	205	19	retired	retired	ADJ
fsr-3279	205	20	head	head	NOUN
fsr-3279	205	21	,	,	PUNCT
fsr-3279	205	22	by	by	ADP
fsr-3279	205	23	investment	investment	NOUN
fsr-3279	205	24	ratios	ratio	NOUN
fsr-3279	205	25	,	,	PUNCT
fsr-3279	205	26	controlling	control	VERB
fsr-3279	205	27	for	for	ADP
fsr-3279	205	28	age	age	NOUN
fsr-3279	205	29	,	,	PUNCT
fsr-3279	205	30	homeownership	homeownership	NOUN
fsr-3279	205	31	,	,	PUNCT
fsr-3279	205	32	having	have	VERB
fsr-3279	205	33	defined	define	VERB
fsr-3279	205	34	benefit	benefit	NOUN
fsr-3279	205	35	plan	plan	NOUN
fsr-3279	205	36	,	,	PUNCT
fsr-3279	205	37	working	work	VERB
fsr-3279	205	38	part	part	NOUN
fsr-3279	205	39	-	-	PUNCT
fsr-3279	205	40	time	time	NOUN
fsr-3279	205	41	,	,	PUNCT
fsr-3279	205	42	and	and	CCONJ
fsr-3279	205	43	not	not	PART
fsr-3279	205	44	working	work	VERB
fsr-3279	205	45	variable	variable	ADJ
fsr-3279	205	46	investment	investment	NOUN
fsr-3279	205	47	/	/	SYM
fsr-3279	205	48	net	net	NOUN
fsr-3279	205	49	worth	worth	ADJ
fsr-3279	205	50	investment	investment	NOUN
fsr-3279	205	51	/	/	SYM
fsr-3279	205	52	normal	normal	ADJ
fsr-3279	205	53	income	income	NOUN
fsr-3279	205	54	investment	investment	NOUN
fsr-3279	205	55	/	/	SYM
fsr-3279	205	56	assets	asset	NOUN
fsr-3279	205	57	coefficient	coefficient	VERB
fsr-3279	205	58	p	p	NOUN
fsr-3279	205	59	-	-	PUNCT
fsr-3279	205	60	value	value	NOUN
fsr-3279	205	61	coefficient	coefficient	NOUN
fsr-3279	205	62	p	p	NOUN
fsr-3279	205	63	-	-	PUNCT
fsr-3279	205	64	value	value	NOUN
fsr-3279	205	65	coefficient	coefficient	NOUN
fsr-3279	205	66	p	p	NOUN
fsr-3279	205	67	-	-	PUNCT
fsr-3279	205	68	value	value	NOUN
fsr-3279	205	69	ratio	ratio	NOUN
fsr-3279	205	70	�	�	NOUN
fsr-3279	205	71	0.0446	0.0446	NUM
fsr-3279	205	72	0.2071	0.2071	NUM
fsr-3279	205	73	�	�	NOUN
fsr-3279	205	74	0.0227	0.0227	NUM
fsr-3279	205	75	0.4699	0.4699	NUM
fsr-3279	205	76	0.2566	0.2566	NUM
fsr-3279	205	77	0.6800	0.6800	NUM
fsr-3279	205	78	ratio	ratio	NOUN
fsr-3279	205	79	squared	square	VERB
fsr-3279	205	80	0.0003	0.0003	NUM
fsr-3279	205	81	0.2054	0.2054	NUM
fsr-3279	205	82	�	�	NOUN
fsr-3279	205	83	0.0002	0.0002	NUM
fsr-3279	205	84	0.8594	0.8594	NUM
fsr-3279	205	85	�	�	NOUN
fsr-3279	205	86	0.5280	0.5280	NUM
fsr-3279	205	87	0.4593	0.4593	NUM
fsr-3279	205	88	age	age	NOUN
fsr-3279	205	89	*	*	PUNCT
fsr-3279	205	90	ratio	ratio	NOUN
fsr-3279	205	91	0.0014	0.0014	NUM
fsr-3279	205	92	0.1295	0.1295	NUM
fsr-3279	205	93	0.0009	0.0009	NUM
fsr-3279	205	94	0.0767	0.0767	NUM
fsr-3279	205	95	0.0266	0.0266	NUM
fsr-3279	205	96	0.0182	0.0182	NUM
fsr-3279	205	97	age	age	NOUN
fsr-3279	205	98	*	*	PUNCT
fsr-3279	205	99	ratio	ratio	NOUN
fsr-3279	205	100	squared	square	VERB
fsr-3279	205	101	�	�	PROPN
fsr-3279	205	102	0.00001	0.00001	NUM
fsr-3279	205	103	0.1231	0.1231	NUM
fsr-3279	205	104	�	�	PROPN
fsr-3279	205	105	0.00002	0.00002	NUM
fsr-3279	205	106	0.3338	0.3338	NUM
fsr-3279	205	107	�	�	PROPN
fsr-3279	205	108	0.0205	0.0205	NUM
fsr-3279	205	109	0.1064	0.1064	NUM
fsr-3279	205	110	age	age	NOUN
fsr-3279	205	111	of	of	ADP
fsr-3279	205	112	head	head	NOUN
fsr-3279	205	113	�	�	PROPN
fsr-3279	205	114	0.0261	0.0261	NUM
fsr-3279	205	115	�	�	PROPN
fsr-3279	205	116	.0001	.0001	SYM
fsr-3279	205	117	�	�	PROPN
fsr-3279	205	118	0.0225	0.0225	NUM
fsr-3279	205	119	�	�	SYM
fsr-3279	205	120	.0001	.0001	SYM
fsr-3279	205	121	�	�	PROPN
fsr-3279	205	122	0.0301	0.0301	NUM
fsr-3279	205	123	�	�	NOUN
fsr-3279	205	124	.0001	.0001	NOUN
fsr-3279	205	125	age	age	NOUN
fsr-3279	205	126	of	of	ADP
fsr-3279	205	127	head/10000	head/10000	PROPN
fsr-3279	205	128	3.2870	3.2870	NUM
fsr-3279	205	129	�	�	PROPN
fsr-3279	205	130	.0001	.0001	X
fsr-3279	205	131	2.7423	2.7423	NUM
fsr-3279	205	132	�	�	PROPN
fsr-3279	205	133	.0001	.0001	ADP
fsr-3279	205	134	3.2392	3.2392	NUM
fsr-3279	205	135	�	�	NOUN
fsr-3279	205	136	.0001	.0001	NOUN
fsr-3279	205	137	homeowner	homeowner	NOUN
fsr-3279	205	138	0.1565	0.1565	NUM
fsr-3279	205	139	0.0001	0.0001	NUM
fsr-3279	205	140	0.1399	0.1399	NUM
fsr-3279	205	141	0.0007	0.0007	NUM
fsr-3279	205	142	0.0693	0.0693	NUM
fsr-3279	205	143	0.0930	0.0930	NUM
fsr-3279	205	144	have	have	AUX
fsr-3279	205	145	defined	define	VERB
fsr-3279	205	146	benefit	benefit	NOUN
fsr-3279	205	147	pension	pension	NOUN
fsr-3279	205	148	0.3922	0.3922	NUM
fsr-3279	205	149	�	�	NOUN
fsr-3279	205	150	.0001	.0001	NUM
fsr-3279	205	151	0.3893	0.3893	NUM
fsr-3279	205	152	�	�	NOUN
fsr-3279	205	153	.0001	.0001	DET
fsr-3279	205	154	0.3682	0.3682	NUM
fsr-3279	205	155	�	�	NOUN
fsr-3279	205	156	.0001	.0001	NOUN
fsr-3279	205	157	employment	employment	NOUN
fsr-3279	205	158	status	status	NOUN
fsr-3279	205	159	of	of	ADP
fsr-3279	205	160	head	head	NOUN
fsr-3279	205	161	(	(	PUNCT
fsr-3279	205	162	reference	reference	NOUN
fsr-3279	205	163	category	category	NOUN
fsr-3279	205	164	:	:	PUNCT
fsr-3279	205	165	full	full	ADJ
fsr-3279	205	166	-	-	PUNCT
fsr-3279	205	167	time	time	NOUN
fsr-3279	205	168	)	)	PUNCT
fsr-3279	205	169	head	head	NOUN
fsr-3279	205	170	working	work	VERB
fsr-3279	205	171	part	part	ADJ
fsr-3279	205	172	-	-	PUNCT
fsr-3279	205	173	time	time	NOUN
fsr-3279	205	174	0.1344	0.1344	NUM
fsr-3279	205	175	.0204	.0204	NOUN
fsr-3279	205	176	0.1387	0.1387	NUM
fsr-3279	205	177	0.0172	0.0172	NUM
fsr-3279	205	178	0.1504	0.1504	NUM
fsr-3279	205	179	.0095	.0095	PROPN
fsr-3279	205	180	head	head	NOUN
fsr-3279	205	181	not	not	PART
fsr-3279	205	182	working	work	VERB
fsr-3279	205	183	but	but	CCONJ
fsr-3279	205	184	not	not	PART
fsr-3279	205	185	retired	retire	VERB
fsr-3279	205	186	0.1700	0.1700	NUM
fsr-3279	205	187	.0009	.0009	NOUN
fsr-3279	205	188	0.1933	0.1933	NUM
fsr-3279	205	189	0.0002	0.0002	NUM
fsr-3279	205	190	0.2331	0.2331	NUM
fsr-3279	205	191	�	�	NOUN
fsr-3279	205	192	.0001	.0001	NOUN
fsr-3279	205	193	intercept	intercept	NOUN
fsr-3279	205	194	2.6254	2.6254	NUM
fsr-3279	205	195	�	�	NOUN
fsr-3279	205	196	.0001	.0001	NUM
fsr-3279	205	197	2.5700	2.5700	NUM
fsr-3279	205	198	�	�	NOUN
fsr-3279	205	199	.0001	.0001	NUM
fsr-3279	205	200	2.6884	2.6884	NUM
fsr-3279	205	201	�	�	NOUN
fsr-3279	205	202	.0001	.0001	NUM
fsr-3279	205	203	adjusted	adjust	VERB
fsr-3279	205	204	r2	r2	NOUN
fsr-3279	205	205	0.0444	0.0444	NUM
fsr-3279	205	206	0.0500	0.0500	NUM
fsr-3279	205	207	0.0577	0.0577	NUM
fsr-3279	205	208	note	note	NOUN
fsr-3279	205	209	:	:	PUNCT
fsr-3279	205	210	analysis	analysis	NOUN
fsr-3279	205	211	by	by	ADP
fsr-3279	205	212	authors	author	NOUN
fsr-3279	205	213	of	of	ADP
fsr-3279	205	214	2013	2013	NUM
fsr-3279	205	215	scf	scf	PROPN
fsr-3279	205	216	,	,	PUNCT
fsr-3279	205	217	households	household	NOUN
fsr-3279	205	218	with	with	ADP
fsr-3279	205	219	non	non	ADJ
fsr-3279	205	220	-	-	ADJ
fsr-3279	205	221	retired	retired	ADJ
fsr-3279	205	222	heads	head	NOUN
fsr-3279	205	223	.	.	PUNCT
fsr-3279	206	1	extreme	extreme	ADJ
fsr-3279	206	2	values	value	NOUN
fsr-3279	206	3	of	of	ADP
fsr-3279	206	4	ratios	ratio	NOUN
fsr-3279	206	5	recoded	recode	VERB
fsr-3279	206	6	.	.	PUNCT
fsr-3279	207	1	unweighted	unweighte	VERB
fsr-3279	207	2	analyses	analysis	NOUN
fsr-3279	207	3	.	.	PUNCT
fsr-3279	208	1	rii	rii	NOUN
fsr-3279	208	2	technique	technique	NOUN
fsr-3279	208	3	used	use	VERB
fsr-3279	208	4	.	.	PUNCT
fsr-3279	209	1	272	272	NUM
fsr-3279	209	2	s.d	s.d	PROPN
fsr-3279	209	3	.	.	PROPN
fsr-3279	209	4	hanna	hanna	PROPN
fsr-3279	209	5	,	,	PUNCT
fsr-3279	209	6	k.t	k.t	PROPN
fsr-3279	209	7	.	.	PROPN
fsr-3279	209	8	kim	kim	PROPN
fsr-3279	209	9	/	/	SYM
fsr-3279	209	10	financial	financial	ADJ
fsr-3279	209	11	services	service	NOUN
fsr-3279	209	12	review	review	VERB
fsr-3279	209	13	25	25	NUM
fsr-3279	209	14	(	(	PUNCT
fsr-3279	209	15	2016	2016	NUM
fsr-3279	209	16	)	)	PUNCT
fsr-3279	209	17	263–277	263–277	NUM
fsr-3279	209	18	monotonic	monotonic	ADJ
fsr-3279	209	19	pattern	pattern	NOUN
fsr-3279	209	20	between	between	ADP
fsr-3279	209	21	age	age	NOUN
fsr-3279	209	22	and	and	CCONJ
fsr-3279	209	23	the	the	DET
fsr-3279	209	24	level	level	NOUN
fsr-3279	209	25	of	of	ADP
fsr-3279	209	26	the	the	DET
fsr-3279	209	27	investments	investment	NOUN
fsr-3279	209	28	to	to	PART
fsr-3279	209	29	net	net	VERB
fsr-3279	209	30	worth	worth	ADJ
fsr-3279	209	31	ratio	ratio	NOUN
fsr-3279	209	32	.	.	PUNCT
fsr-3279	210	1	for	for	ADP
fsr-3279	210	2	the	the	DET
fsr-3279	210	3	investments	investment	NOUN
fsr-3279	210	4	to	to	ADP
fsr-3279	210	5	normal	normal	ADJ
fsr-3279	210	6	income	income	NOUN
fsr-3279	210	7	ratio	ratio	NOUN
fsr-3279	210	8	,	,	PUNCT
fsr-3279	210	9	for	for	ADP
fsr-3279	210	10	all	all	DET
fsr-3279	210	11	ages	age	NOUN
fsr-3279	210	12	above	above	ADP
fsr-3279	210	13	25	25	NUM
fsr-3279	210	14	,	,	PUNCT
fsr-3279	210	15	the	the	DET
fsr-3279	210	16	optimal	optimal	ADJ
fsr-3279	210	17	level	level	NOUN
fsr-3279	210	18	of	of	ADP
fsr-3279	210	19	the	the	DET
fsr-3279	210	20	ratio	ratio	NOUN
fsr-3279	210	21	increases	increase	NOUN
fsr-3279	210	22	with	with	ADP
fsr-3279	210	23	age	age	NOUN
fsr-3279	210	24	,	,	PUNCT
fsr-3279	210	25	from	from	ADP
fsr-3279	210	26	6.06	6.06	NUM
fsr-3279	210	27	at	at	ADP
fsr-3279	210	28	age	age	NOUN
fsr-3279	210	29	35	35	NUM
fsr-3279	210	30	to	to	ADP
fsr-3279	210	31	14.80	14.80	NUM
fsr-3279	210	32	at	at	ADP
fsr-3279	210	33	age	age	NOUN
fsr-3279	210	34	65	65	NUM
fsr-3279	210	35	.	.	PUNCT
fsr-3279	211	1	for	for	ADP
fsr-3279	211	2	the	the	DET
fsr-3279	211	3	investments	investment	NOUN
fsr-3279	211	4	to	to	ADP
fsr-3279	211	5	assets	asset	NOUN
fsr-3279	211	6	ratio	ratio	NOUN
fsr-3279	211	7	,	,	PUNCT
fsr-3279	211	8	the	the	DET
fsr-3279	211	9	optimal	optimal	ADJ
fsr-3279	211	10	level	level	NOUN
fsr-3279	211	11	of	of	ADP
fsr-3279	211	12	the	the	DET
fsr-3279	211	13	ratio	ratio	NOUN
fsr-3279	211	14	increases	increase	VERB
fsr-3279	211	15	slightly	slightly	ADV
fsr-3279	211	16	with	with	ADP
fsr-3279	211	17	age	age	NOUN
fsr-3279	211	18	,	,	PUNCT
fsr-3279	211	19	from	from	ADP
fsr-3279	211	20	0.44	0.44	NUM
fsr-3279	211	21	at	at	ADP
fsr-3279	211	22	age	age	NOUN
fsr-3279	211	23	25	25	NUM
fsr-3279	211	24	to	to	PART
fsr-3279	211	25	0.53	0.53	NUM
fsr-3279	211	26	at	at	ADP
fsr-3279	211	27	age	age	NOUN
fsr-3279	211	28	65	65	NUM
fsr-3279	211	29	.	.	PUNCT
fsr-3279	212	1	4	4	X
fsr-3279	212	2	.	.	X
fsr-3279	212	3	summary	summary	NOUN
fsr-3279	212	4	and	and	CCONJ
fsr-3279	212	5	implications	implication	NOUN
fsr-3279	212	6	4.1	4.1	NUM
fsr-3279	212	7	.	.	PUNCT
fsr-3279	213	1	summary	summary	VERB
fsr-3279	213	2	the	the	DET
fsr-3279	213	3	investments	investment	NOUN
fsr-3279	213	4	to	to	PART
fsr-3279	213	5	net	net	VERB
fsr-3279	213	6	worth	worth	ADJ
fsr-3279	213	7	ratio	ratio	NOUN
fsr-3279	213	8	(	(	PUNCT
fsr-3279	213	9	also	also	ADV
fsr-3279	213	10	known	know	VERB
fsr-3279	213	11	as	as	ADP
fsr-3279	213	12	the	the	DET
fsr-3279	213	13	capital	capital	NOUN
fsr-3279	213	14	accumulation	accumulation	NOUN
fsr-3279	213	15	ratio	ratio	NOUN
fsr-3279	213	16	)	)	PUNCT
fsr-3279	213	17	is	be	AUX
fsr-3279	213	18	the	the	DET
fsr-3279	213	19	only	only	ADJ
fsr-3279	213	20	household	household	NOUN
fsr-3279	213	21	financial	financial	ADJ
fsr-3279	213	22	ratio	ratio	NOUN
fsr-3279	213	23	related	relate	VERB
fsr-3279	213	24	to	to	ADP
fsr-3279	213	25	the	the	DET
fsr-3279	213	26	amounts	amount	NOUN
fsr-3279	213	27	of	of	ADP
fsr-3279	213	28	investments	investment	NOUN
fsr-3279	213	29	for	for	ADP
fsr-3279	213	30	which	which	PRON
fsr-3279	213	31	there	there	PRON
fsr-3279	213	32	has	have	AUX
fsr-3279	213	33	been	be	AUX
fsr-3279	213	34	empirical	empirical	ADJ
fsr-3279	213	35	research	research	NOUN
fsr-3279	213	36	,	,	PUNCT
fsr-3279	213	37	and	and	CCONJ
fsr-3279	213	38	it	it	PRON
fsr-3279	213	39	is	be	AUX
fsr-3279	213	40	discussed	discuss	VERB
fsr-3279	213	41	in	in	ADP
fsr-3279	213	42	two	two	NUM
fsr-3279	213	43	personal	personal	ADJ
fsr-3279	213	44	finance	finance	NOUN
fsr-3279	213	45	textbooks	textbook	NOUN
fsr-3279	213	46	(	(	PUNCT
fsr-3279	213	47	devaney	devaney	PROPN
fsr-3279	213	48	,	,	PUNCT
fsr-3279	213	49	1997	1997	NUM
fsr-3279	213	50	;	;	PUNCT
fsr-3279	213	51	garman	garman	NOUN
fsr-3279	213	52	and	and	CCONJ
fsr-3279	213	53	forgue	forgue	NOUN
fsr-3279	213	54	,	,	PUNCT
fsr-3279	213	55	2003	2003	NUM
fsr-3279	213	56	)	)	PUNCT
fsr-3279	213	57	.	.	PUNCT
fsr-3279	214	1	however	however	ADV
fsr-3279	214	2	,	,	PUNCT
fsr-3279	214	3	it	it	PRON
fsr-3279	214	4	has	have	VERB
fsr-3279	214	5	some	some	DET
fsr-3279	214	6	problematic	problematic	ADJ
fsr-3279	214	7	mathematical	mathematical	ADJ
fsr-3279	214	8	properties	property	NOUN
fsr-3279	214	9	(	(	PUNCT
fsr-3279	214	10	harness	harness	NOUN
fsr-3279	214	11	,	,	PUNCT
fsr-3279	214	12	et	et	PROPN
fsr-3279	214	13	al	al	PROPN
fsr-3279	214	14	.	.	PROPN
fsr-3279	214	15	,	,	PUNCT
fsr-3279	214	16	2008	2008	NUM
fsr-3279	214	17	)	)	PUNCT
fsr-3279	214	18	,	,	PUNCT
fsr-3279	214	19	as	as	SCONJ
fsr-3279	214	20	it	it	PRON
fsr-3279	214	21	can	can	AUX
fsr-3279	214	22	not	not	PART
fsr-3279	214	23	be	be	AUX
fsr-3279	214	24	directly	directly	ADV
fsr-3279	214	25	calculated	calculate	VERB
fsr-3279	214	26	for	for	ADP
fsr-3279	214	27	almost	almost	ADV
fsr-3279	214	28	13	13	NUM
fsr-3279	214	29	%	%	NOUN
fsr-3279	214	30	of	of	ADP
fsr-3279	214	31	the	the	DET
fsr-3279	214	32	households	household	NOUN
fsr-3279	214	33	in	in	ADP
fsr-3279	214	34	the	the	DET
fsr-3279	214	35	2013	2013	NUM
fsr-3279	214	36	scf	scf	PROPN
fsr-3279	214	37	.	.	PUNCT
fsr-3279	215	1	the	the	DET
fsr-3279	215	2	ratio	ratio	NOUN
fsr-3279	215	3	is	be	AUX
fsr-3279	215	4	not	not	PART
fsr-3279	215	5	related	relate	VERB
fsr-3279	215	6	to	to	ADP
fsr-3279	215	7	subjective	subjective	ADJ
fsr-3279	215	8	assessment	assessment	NOUN
fsr-3279	215	9	of	of	ADP
fsr-3279	215	10	retirement	retirement	NOUN
fsr-3279	215	11	adequacy	adequacy	NOUN
fsr-3279	215	12	among	among	ADP
fsr-3279	215	13	households	household	NOUN
fsr-3279	215	14	with	with	ADP
fsr-3279	215	15	non	non	ADJ
fsr-3279	215	16	-	-	ADJ
fsr-3279	215	17	retired	retired	ADJ
fsr-3279	215	18	heads	head	NOUN
fsr-3279	215	19	.	.	PUNCT
fsr-3279	216	1	another	another	DET
fsr-3279	216	2	financial	financial	ADJ
fsr-3279	216	3	ratio	ratio	NOUN
fsr-3279	216	4	,	,	PUNCT
fsr-3279	216	5	the	the	DET
fsr-3279	216	6	investments	investment	NOUN
fsr-3279	216	7	to	to	ADP
fsr-3279	216	8	annual	annual	ADJ
fsr-3279	216	9	income	income	NOUN
fsr-3279	216	10	ratio	ratio	NOUN
fsr-3279	216	11	,	,	PUNCT
fsr-3279	216	12	is	be	AUX
fsr-3279	216	13	also	also	ADV
fsr-3279	216	14	discussed	discuss	VERB
fsr-3279	216	15	in	in	ADP
fsr-3279	216	16	a	a	DET
fsr-3279	216	17	textbook	textbook	NOUN
fsr-3279	216	18	(	(	PUNCT
fsr-3279	216	19	dalton	dalton	PROPN
fsr-3279	216	20	et	et	PROPN
fsr-3279	216	21	al	al	PROPN
fsr-3279	216	22	.	.	PROPN
fsr-3279	216	23	,	,	PUNCT
fsr-3279	216	24	2005	2005	NUM
fsr-3279	216	25	)	)	PUNCT
fsr-3279	216	26	.	.	PUNCT
fsr-3279	217	1	however	however	ADV
fsr-3279	217	2	,	,	PUNCT
fsr-3279	217	3	it	it	PRON
fsr-3279	217	4	has	have	VERB
fsr-3279	217	5	extreme	extreme	ADJ
fsr-3279	217	6	values	value	NOUN
fsr-3279	217	7	for	for	ADP
fsr-3279	217	8	a	a	DET
fsr-3279	217	9	small	small	ADJ
fsr-3279	217	10	proportion	proportion	NOUN
fsr-3279	217	11	of	of	ADP
fsr-3279	217	12	households	household	NOUN
fsr-3279	217	13	.	.	PUNCT
fsr-3279	218	1	it	it	PRON
fsr-3279	218	2	is	be	AUX
fsr-3279	218	3	not	not	PART
fsr-3279	218	4	as	as	ADV
fsr-3279	218	5	strongly	strongly	ADV
fsr-3279	218	6	related	relate	VERB
fsr-3279	218	7	to	to	ADP
fsr-3279	218	8	subjective	subjective	ADJ
fsr-3279	218	9	assessment	assessment	NOUN
fsr-3279	218	10	of	of	ADP
fsr-3279	218	11	retirement	retirement	NOUN
fsr-3279	218	12	adequacy	adequacy	NOUN
fsr-3279	218	13	as	as	ADP
fsr-3279	218	14	the	the	DET
fsr-3279	218	15	ratio	ratio	NOUN
fsr-3279	218	16	of	of	ADP
fsr-3279	218	17	investment	investment	NOUN
fsr-3279	218	18	assets	asset	NOUN
fsr-3279	218	19	to	to	ADP
fsr-3279	218	20	total	total	ADJ
fsr-3279	218	21	assets	asset	NOUN
fsr-3279	218	22	.	.	PUNCT
fsr-3279	219	1	the	the	DET
fsr-3279	219	2	investments	investment	NOUN
fsr-3279	219	3	to	to	ADP
fsr-3279	219	4	assets	asset	NOUN
fsr-3279	219	5	ratio	ratio	NOUN
fsr-3279	219	6	is	be	AUX
fsr-3279	219	7	discussed	discuss	VERB
fsr-3279	219	8	in	in	ADP
fsr-3279	219	9	a	a	DET
fsr-3279	219	10	textbook	textbook	NOUN
fsr-3279	219	11	(	(	PUNCT
fsr-3279	219	12	garman	garman	NOUN
fsr-3279	219	13	and	and	CCONJ
fsr-3279	219	14	forgue	forgue	NOUN
fsr-3279	219	15	,	,	PUNCT
fsr-3279	219	16	2012	2012	NUM
fsr-3279	219	17	)	)	PUNCT
fsr-3279	219	18	.	.	PUNCT
fsr-3279	220	1	the	the	DET
fsr-3279	220	2	investments	investment	NOUN
fsr-3279	220	3	to	to	PART
fsr-3279	220	4	total	total	VERB
fsr-3279	220	5	assets	asset	NOUN
fsr-3279	220	6	ratio	ratio	NOUN
fsr-3279	220	7	has	have	VERB
fsr-3279	220	8	advantages	advantage	NOUN
fsr-3279	220	9	in	in	ADP
fsr-3279	220	10	terms	term	NOUN
fsr-3279	220	11	of	of	ADP
fsr-3279	220	12	some	some	PRON
fsr-3279	220	13	of	of	ADP
fsr-3279	220	14	the	the	DET
fsr-3279	220	15	mathematical	mathematical	ADJ
fsr-3279	220	16	issues	issue	NOUN
fsr-3279	220	17	discussed	discuss	VERB
fsr-3279	220	18	by	by	ADP
fsr-3279	220	19	harness	harness	NOUN
fsr-3279	220	20	et	et	PROPN
fsr-3279	220	21	al	al	PROPN
fsr-3279	220	22	.	.	PUNCT
fsr-3279	221	1	(	(	PUNCT
fsr-3279	221	2	2008	2008	NUM
fsr-3279	221	3	)	)	PUNCT
fsr-3279	221	4	.	.	PUNCT
fsr-3279	222	1	even	even	ADV
fsr-3279	222	2	though	though	SCONJ
fsr-3279	222	3	it	it	PRON
fsr-3279	222	4	has	have	VERB
fsr-3279	222	5	a	a	DET
fsr-3279	222	6	skewed	skewed	ADJ
fsr-3279	222	7	distribution	distribution	NOUN
fsr-3279	222	8	,	,	PUNCT
fsr-3279	222	9	it	it	PRON
fsr-3279	222	10	is	be	AUX
fsr-3279	222	11	not	not	PART
fsr-3279	222	12	as	as	ADV
fsr-3279	222	13	skewed	skewed	ADJ
fsr-3279	222	14	as	as	ADP
fsr-3279	222	15	the	the	DET
fsr-3279	222	16	other	other	ADJ
fsr-3279	222	17	two	two	NUM
fsr-3279	222	18	ratios	ratio	NOUN
fsr-3279	222	19	.	.	PUNCT
fsr-3279	223	1	furthermore	furthermore	ADV
fsr-3279	223	2	,	,	PUNCT
fsr-3279	223	3	it	it	PRON
fsr-3279	223	4	is	be	AUX
fsr-3279	223	5	almost	almost	ADV
fsr-3279	223	6	always	always	ADV
fsr-3279	223	7	possible	possible	ADJ
fsr-3279	223	8	to	to	PART
fsr-3279	223	9	calculate	calculate	VERB
fsr-3279	223	10	the	the	DET
fsr-3279	223	11	investments	investment	NOUN
fsr-3279	223	12	to	to	PART
fsr-3279	223	13	total	total	VERB
fsr-3279	223	14	assets	asset	NOUN
fsr-3279	223	15	ratio	ratio	NOUN
fsr-3279	223	16	,	,	PUNCT
fsr-3279	223	17	as	as	ADV
fsr-3279	223	18	long	long	ADV
fsr-3279	223	19	as	as	SCONJ
fsr-3279	223	20	the	the	DET
fsr-3279	223	21	household	household	NOUN
fsr-3279	223	22	does	do	AUX
fsr-3279	223	23	not	not	PART
fsr-3279	223	24	have	have	VERB
fsr-3279	223	25	zero	zero	NUM
fsr-3279	223	26	assets	asset	NOUN
fsr-3279	223	27	.	.	PUNCT
fsr-3279	224	1	the	the	DET
fsr-3279	224	2	regression	regression	NOUN
fsr-3279	224	3	with	with	ADP
fsr-3279	224	4	the	the	DET
fsr-3279	224	5	investments	investment	NOUN
fsr-3279	224	6	to	to	ADP
fsr-3279	224	7	assets	asset	NOUN
fsr-3279	224	8	ratio	ratio	NOUN
fsr-3279	224	9	has	have	VERB
fsr-3279	224	10	a	a	DET
fsr-3279	224	11	higher	high	ADJ
fsr-3279	224	12	adjusted	adjust	VERB
fsr-3279	224	13	r2	r2	NOUN
fsr-3279	224	14	than	than	ADP
fsr-3279	224	15	the	the	DET
fsr-3279	224	16	regressions	regression	NOUN
fsr-3279	224	17	with	with	ADP
fsr-3279	224	18	the	the	DET
fsr-3279	224	19	other	other	ADJ
fsr-3279	224	20	two	two	NUM
fsr-3279	224	21	ratios	ratio	NOUN
fsr-3279	224	22	.	.	PUNCT
fsr-3279	225	1	further	far	ADV
fsr-3279	225	2	,	,	PUNCT
fsr-3279	225	3	the	the	DET
fsr-3279	225	4	investments	investment	NOUN
fsr-3279	225	5	to	to	PART
fsr-3279	225	6	total	total	VERB
fsr-3279	225	7	assets	asset	NOUN
fsr-3279	225	8	ratio	ratio	NOUN
fsr-3279	225	9	has	have	VERB
fsr-3279	225	10	a	a	DET
fsr-3279	225	11	positive	positive	ADJ
fsr-3279	225	12	effect	effect	NOUN
fsr-3279	225	13	on	on	ADP
fsr-3279	225	14	subjective	subjective	ADJ
fsr-3279	225	15	retirement	retirement	NOUN
fsr-3279	225	16	adequacy	adequacy	NOUN
fsr-3279	225	17	for	for	ADP
fsr-3279	225	18	most	most	ADJ
fsr-3279	225	19	households	household	NOUN
fsr-3279	225	20	,	,	PUNCT
fsr-3279	225	21	even	even	ADV
fsr-3279	225	22	though	though	SCONJ
fsr-3279	225	23	in	in	ADP
fsr-3279	225	24	the	the	DET
fsr-3279	225	25	ols	ol	NOUN
fsr-3279	225	26	regression	regression	NOUN
fsr-3279	225	27	we	we	PRON
fsr-3279	225	28	might	might	AUX
fsr-3279	225	29	interpret	interpret	VERB
fsr-3279	225	30	a	a	DET
fsr-3279	225	31	small	small	ADJ
fsr-3279	225	32	decrease	decrease	NOUN
fsr-3279	225	33	in	in	ADP
fsr-3279	225	34	subjective	subjective	ADJ
fsr-3279	225	35	adequacy	adequacy	NOUN
fsr-3279	225	36	as	as	SCONJ
fsr-3279	225	37	the	the	DET
fsr-3279	225	38	ratio	ratio	NOUN
fsr-3279	225	39	increases	increase	VERB
fsr-3279	225	40	above	above	ADP
fsr-3279	225	41	a	a	DET
fsr-3279	225	42	level	level	NOUN
fsr-3279	225	43	of	of	ADP
fsr-3279	225	44	0.6	0.6	NUM
fsr-3279	225	45	.	.	PUNCT
fsr-3279	226	1	by	by	ADP
fsr-3279	226	2	contrast	contrast	NOUN
fsr-3279	226	3	,	,	PUNCT
fsr-3279	226	4	the	the	DET
fsr-3279	226	5	investments	investment	NOUN
fsr-3279	226	6	to	to	PART
fsr-3279	226	7	net	net	VERB
fsr-3279	226	8	worth	worth	ADJ
fsr-3279	226	9	ratio	ratio	NOUN
fsr-3279	226	10	does	do	AUX
fsr-3279	226	11	not	not	PART
fsr-3279	226	12	have	have	VERB
fsr-3279	226	13	a	a	DET
fsr-3279	226	14	statistically	statistically	ADV
fsr-3279	226	15	significant	significant	ADJ
fsr-3279	226	16	effect	effect	NOUN
fsr-3279	226	17	on	on	ADP
fsr-3279	226	18	subjective	subjective	ADJ
fsr-3279	226	19	retirement	retirement	NOUN
fsr-3279	226	20	adequacy	adequacy	NOUN
fsr-3279	226	21	.	.	PUNCT
fsr-3279	227	1	the	the	DET
fsr-3279	227	2	investments	investment	NOUN
fsr-3279	227	3	to	to	ADP
fsr-3279	227	4	normal	normal	ADJ
fsr-3279	227	5	income	income	NOUN
fsr-3279	227	6	ratio	ratio	NOUN
fsr-3279	227	7	does	do	AUX
fsr-3279	227	8	have	have	VERB
fsr-3279	227	9	a	a	DET
fsr-3279	227	10	significant	significant	ADJ
fsr-3279	227	11	positive	positive	ADJ
fsr-3279	227	12	effect	effect	NOUN
fsr-3279	227	13	on	on	ADP
fsr-3279	227	14	subjective	subjective	ADJ
fsr-3279	227	15	retirement	retirement	NOUN
fsr-3279	227	16	adequacy	adequacy	NOUN
fsr-3279	227	17	,	,	PUNCT
fsr-3279	227	18	though	though	SCONJ
fsr-3279	227	19	it	it	PRON
fsr-3279	227	20	has	have	VERB
fsr-3279	227	21	some	some	DET
fsr-3279	227	22	very	very	ADV
fsr-3279	227	23	extreme	extreme	ADJ
fsr-3279	227	24	values	value	NOUN
fsr-3279	227	25	,	,	PUNCT
fsr-3279	227	26	unlike	unlike	ADP
fsr-3279	227	27	the	the	DET
fsr-3279	227	28	investments	investment	NOUN
fsr-3279	227	29	to	to	ADP
fsr-3279	227	30	assets	asset	NOUN
fsr-3279	227	31	ratio	ratio	NOUN
fsr-3279	227	32	.	.	PUNCT
fsr-3279	228	1	table	table	NOUN
fsr-3279	228	2	5	5	NUM
fsr-3279	228	3	optimum	optimum	ADJ
fsr-3279	228	4	values	value	NOUN
fsr-3279	228	5	of	of	ADP
fsr-3279	228	6	ratios	ratio	NOUN
fsr-3279	228	7	by	by	ADP
fsr-3279	228	8	age	age	NOUN
fsr-3279	228	9	,	,	PUNCT
fsr-3279	228	10	based	base	VERB
fsr-3279	228	11	on	on	ADP
fsr-3279	228	12	regressions	regression	NOUN
fsr-3279	228	13	age	age	NOUN
fsr-3279	228	14	investments	investment	NOUN
fsr-3279	228	15	/	/	SYM
fsr-3279	228	16	net	net	NOUN
fsr-3279	228	17	worth	worth	ADJ
fsr-3279	228	18	investments	investment	NOUN
fsr-3279	228	19	/	/	SYM
fsr-3279	228	20	normal	normal	ADJ
fsr-3279	228	21	income	income	NOUN
fsr-3279	228	22	investments	investment	NOUN
fsr-3279	228	23	/	/	SYM
fsr-3279	228	24	assets	asset	NOUN
fsr-3279	228	25	25	25	NUM
fsr-3279	228	26	68.28	68.28	NUM
fsr-3279	228	27	�	�	PROPN
fsr-3279	228	28	0.07	0.07	NUM
fsr-3279	228	29	0.44	0.44	NUM
fsr-3279	228	30	35	35	NUM
fsr-3279	228	31	56.01	56.01	NUM
fsr-3279	228	32	6.06	6.06	NUM
fsr-3279	228	33	0.48	0.48	NUM
fsr-3279	228	34	45	45	NUM
fsr-3279	228	35	61.70	61.70	NUM
fsr-3279	228	36	10.01	10.01	NUM
fsr-3279	228	37	0.50	0.50	NUM
fsr-3279	228	38	55	55	NUM
fsr-3279	228	39	62.58	62.58	NUM
fsr-3279	228	40	12.77	12.77	NUM
fsr-3279	228	41	0.52	0.52	NUM
fsr-3279	228	42	65	65	NUM
fsr-3279	228	43	62.94	62.94	NUM
fsr-3279	228	44	14.80	14.80	NUM
fsr-3279	228	45	0.53	0.53	NUM
fsr-3279	228	46	note	note	NOUN
fsr-3279	228	47	:	:	PUNCT
fsr-3279	228	48	based	base	VERB
fsr-3279	228	49	on	on	ADP
fsr-3279	228	50	regressions	regression	NOUN
fsr-3279	228	51	in	in	ADP
fsr-3279	228	52	table	table	NOUN
fsr-3279	228	53	4	4	NUM
fsr-3279	228	54	.	.	X
fsr-3279	228	55	273s.d	273s.d	NUM
fsr-3279	228	56	.	.	PUNCT
fsr-3279	229	1	hanna	hanna	PROPN
fsr-3279	229	2	,	,	PUNCT
fsr-3279	229	3	k.t	k.t	PROPN
fsr-3279	229	4	.	.	PROPN
fsr-3279	229	5	kim	kim	PROPN
fsr-3279	229	6	/	/	SYM
fsr-3279	229	7	financial	financial	ADJ
fsr-3279	229	8	services	service	NOUN
fsr-3279	229	9	review	review	VERB
fsr-3279	229	10	25	25	NUM
fsr-3279	229	11	(	(	PUNCT
fsr-3279	229	12	2016	2016	NUM
fsr-3279	229	13	)	)	PUNCT
fsr-3279	230	1	263–277	263–277	NUM
fsr-3279	230	2	4.2	4.2	NUM
fsr-3279	230	3	.	.	PUNCT
fsr-3279	231	1	implications	implication	NOUN
fsr-3279	231	2	as	as	ADP
fsr-3279	231	3	with	with	ADP
fsr-3279	231	4	any	any	DET
fsr-3279	231	5	household	household	NOUN
fsr-3279	231	6	financial	financial	ADJ
fsr-3279	231	7	ratio	ratio	NOUN
fsr-3279	231	8	above	above	ADV
fsr-3279	231	9	,	,	PUNCT
fsr-3279	231	10	the	the	DET
fsr-3279	231	11	investments	investment	NOUN
fsr-3279	231	12	to	to	PART
fsr-3279	231	13	asset	asset	NOUN
fsr-3279	231	14	ratio	ratio	NOUN
fsr-3279	231	15	can	can	AUX
fsr-3279	231	16	at	at	ADV
fsr-3279	231	17	best	well	ADV
fsr-3279	231	18	be	be	AUX
fsr-3279	231	19	a	a	DET
fsr-3279	231	20	simplistic	simplistic	ADJ
fsr-3279	231	21	guide	guide	NOUN
fsr-3279	231	22	to	to	ADP
fsr-3279	231	23	initial	initial	ADJ
fsr-3279	231	24	thinking	thinking	NOUN
fsr-3279	231	25	about	about	ADP
fsr-3279	231	26	financial	financial	ADJ
fsr-3279	231	27	decisions	decision	NOUN
fsr-3279	231	28	.	.	PUNCT
fsr-3279	232	1	further	far	ADV
fsr-3279	232	2	,	,	PUNCT
fsr-3279	232	3	the	the	DET
fsr-3279	232	4	ols	ol	NOUN
fsr-3279	232	5	regression	regression	VERB
fsr-3279	232	6	with	with	ADP
fsr-3279	232	7	subjective	subjective	ADJ
fsr-3279	232	8	retirement	retirement	NOUN
fsr-3279	232	9	adequacy	adequacy	NOUN
fsr-3279	232	10	also	also	ADV
fsr-3279	232	11	has	have	VERB
fsr-3279	232	12	significant	significant	ADJ
fsr-3279	232	13	effects	effect	NOUN
fsr-3279	232	14	for	for	ADP
fsr-3279	232	15	homeownership	homeownership	NOUN
fsr-3279	232	16	,	,	PUNCT
fsr-3279	232	17	age	age	NOUN
fsr-3279	232	18	,	,	PUNCT
fsr-3279	232	19	and	and	CCONJ
fsr-3279	232	20	having	have	VERB
fsr-3279	232	21	a	a	DET
fsr-3279	232	22	defined	define	VERB
fsr-3279	232	23	benefit	benefit	NOUN
fsr-3279	232	24	pension	pension	NOUN
fsr-3279	232	25	.	.	PUNCT
fsr-3279	233	1	therefore	therefore	ADV
fsr-3279	233	2	,	,	PUNCT
fsr-3279	233	3	for	for	ADP
fsr-3279	233	4	instance	instance	NOUN
fsr-3279	233	5	,	,	PUNCT
fsr-3279	233	6	if	if	SCONJ
fsr-3279	233	7	two	two	NUM
fsr-3279	233	8	households	household	NOUN
fsr-3279	233	9	are	be	AUX
fsr-3279	233	10	similar	similar	ADJ
fsr-3279	233	11	in	in	ADP
fsr-3279	233	12	terms	term	NOUN
fsr-3279	233	13	of	of	ADP
fsr-3279	233	14	age	age	NOUN
fsr-3279	233	15	and	and	CCONJ
fsr-3279	233	16	homeownership	homeownership	NOUN
fsr-3279	233	17	status	status	NOUN
fsr-3279	233	18	,	,	PUNCT
fsr-3279	233	19	and	and	CCONJ
fsr-3279	233	20	have	have	VERB
fsr-3279	233	21	the	the	DET
fsr-3279	233	22	same	same	ADJ
fsr-3279	233	23	value	value	NOUN
fsr-3279	233	24	of	of	ADP
fsr-3279	233	25	the	the	DET
fsr-3279	233	26	investments	investment	NOUN
fsr-3279	233	27	to	to	PART
fsr-3279	233	28	asset	asset	NOUN
fsr-3279	233	29	ratio	ratio	NOUN
fsr-3279	233	30	,	,	PUNCT
fsr-3279	233	31	but	but	CCONJ
fsr-3279	233	32	one	one	NUM
fsr-3279	233	33	has	have	VERB
fsr-3279	233	34	a	a	DET
fsr-3279	233	35	defined	define	VERB
fsr-3279	233	36	benefit	benefit	NOUN
fsr-3279	233	37	pension	pension	NOUN
fsr-3279	233	38	but	but	CCONJ
fsr-3279	233	39	the	the	DET
fsr-3279	233	40	other	other	ADJ
fsr-3279	233	41	has	have	VERB
fsr-3279	233	42	nothing	nothing	PRON
fsr-3279	233	43	but	but	SCONJ
fsr-3279	233	44	social	social	ADJ
fsr-3279	233	45	security	security	NOUN
fsr-3279	233	46	,	,	PUNCT
fsr-3279	233	47	it	it	PRON
fsr-3279	233	48	makes	make	VERB
fsr-3279	233	49	sense	sense	NOUN
fsr-3279	233	50	that	that	SCONJ
fsr-3279	233	51	they	they	PRON
fsr-3279	233	52	would	would	AUX
fsr-3279	233	53	have	have	VERB
fsr-3279	233	54	different	different	ADJ
fsr-3279	233	55	assessments	assessment	NOUN
fsr-3279	233	56	of	of	ADP
fsr-3279	233	57	retirement	retirement	NOUN
fsr-3279	233	58	adequacy	adequacy	NOUN
fsr-3279	233	59	.	.	PUNCT
fsr-3279	234	1	if	if	SCONJ
fsr-3279	234	2	an	an	DET
fsr-3279	234	3	author	author	NOUN
fsr-3279	234	4	or	or	CCONJ
fsr-3279	234	5	educator	educator	NOUN
fsr-3279	234	6	wants	want	VERB
fsr-3279	234	7	to	to	PART
fsr-3279	234	8	use	use	VERB
fsr-3279	234	9	a	a	DET
fsr-3279	234	10	financial	financial	ADJ
fsr-3279	234	11	ratio	ratio	NOUN
fsr-3279	234	12	guideline	guideline	NOUN
fsr-3279	234	13	related	relate	VERB
fsr-3279	234	14	to	to	ADP
fsr-3279	234	15	the	the	DET
fsr-3279	234	16	amount	amount	NOUN
fsr-3279	234	17	of	of	ADP
fsr-3279	234	18	investments	investment	NOUN
fsr-3279	234	19	in	in	ADP
fsr-3279	234	20	terms	term	NOUN
fsr-3279	234	21	of	of	ADP
fsr-3279	234	22	two	two	NUM
fsr-3279	234	23	of	of	ADP
fsr-3279	234	24	three	three	NUM
fsr-3279	234	25	criteria	criterion	NOUN
fsr-3279	234	26	stated	state	VERB
fsr-3279	234	27	in	in	ADP
fsr-3279	234	28	section	section	NOUN
fsr-3279	234	29	1.2	1.2	NUM
fsr-3279	234	30	,	,	PUNCT
fsr-3279	234	31	the	the	DET
fsr-3279	234	32	investments	investment	NOUN
fsr-3279	234	33	to	to	ADP
fsr-3279	234	34	assets	asset	NOUN
fsr-3279	234	35	ratio	ratio	NOUN
fsr-3279	234	36	is	be	AUX
fsr-3279	234	37	superior	superior	ADJ
fsr-3279	234	38	to	to	ADP
fsr-3279	234	39	other	other	ADJ
fsr-3279	234	40	ratio	ratio	NOUN
fsr-3279	234	41	guidelines	guideline	NOUN
fsr-3279	234	42	that	that	PRON
fsr-3279	234	43	have	have	AUX
fsr-3279	234	44	been	be	AUX
fsr-3279	234	45	proposed	propose	VERB
fsr-3279	234	46	.	.	PUNCT
fsr-3279	235	1	for	for	ADP
fsr-3279	235	2	the	the	DET
fsr-3279	235	3	regressions	regression	NOUN
fsr-3279	235	4	of	of	ADP
fsr-3279	235	5	ratios	ratio	NOUN
fsr-3279	235	6	on	on	ADP
fsr-3279	235	7	perceived	perceive	VERB
fsr-3279	235	8	retirement	retirement	NOUN
fsr-3279	235	9	adequacy	adequacy	NOUN
fsr-3279	235	10	,	,	PUNCT
fsr-3279	235	11	the	the	DET
fsr-3279	235	12	investments	investment	NOUN
fsr-3279	235	13	to	to	ADP
fsr-3279	235	14	assets	asset	NOUN
fsr-3279	235	15	ratio	ratio	NOUN
fsr-3279	235	16	has	have	VERB
fsr-3279	235	17	the	the	DET
fsr-3279	235	18	highest	high	ADJ
fsr-3279	235	19	r2	r2	NOUN
fsr-3279	235	20	and	and	CCONJ
fsr-3279	235	21	has	have	VERB
fsr-3279	235	22	the	the	DET
fsr-3279	235	23	best	good	ADJ
fsr-3279	235	24	mathematical	mathematical	ADJ
fsr-3279	235	25	properties	property	NOUN
fsr-3279	235	26	.	.	PUNCT
fsr-3279	236	1	the	the	DET
fsr-3279	236	2	relationship	relationship	NOUN
fsr-3279	236	3	between	between	ADP
fsr-3279	236	4	ratio	ratio	NOUN
fsr-3279	236	5	levels	level	NOUN
fsr-3279	236	6	and	and	CCONJ
fsr-3279	236	7	retirement	retirement	NOUN
fsr-3279	236	8	adequacy	adequacy	NOUN
fsr-3279	236	9	are	be	AUX
fsr-3279	236	10	plausible	plausible	ADJ
fsr-3279	236	11	for	for	ADP
fsr-3279	236	12	both	both	CCONJ
fsr-3279	236	13	the	the	DET
fsr-3279	236	14	investments	investment	NOUN
fsr-3279	236	15	to	to	ADP
fsr-3279	236	16	assets	asset	NOUN
fsr-3279	236	17	ratio	ratio	NOUN
fsr-3279	236	18	and	and	CCONJ
fsr-3279	236	19	the	the	DET
fsr-3279	236	20	investments	investment	NOUN
fsr-3279	236	21	to	to	ADP
fsr-3279	236	22	normal	normal	ADJ
fsr-3279	236	23	income	income	NOUN
fsr-3279	236	24	ratio	ratio	NOUN
fsr-3279	236	25	,	,	PUNCT
fsr-3279	236	26	though	though	SCONJ
fsr-3279	236	27	in	in	ADP
fsr-3279	236	28	the	the	DET
fsr-3279	236	29	regressions	regression	NOUN
fsr-3279	236	30	with	with	ADP
fsr-3279	236	31	interaction	interaction	NOUN
fsr-3279	236	32	terms	term	NOUN
fsr-3279	236	33	with	with	ADP
fsr-3279	236	34	age	age	NOUN
fsr-3279	236	35	(	(	PUNCT
fsr-3279	236	36	table	table	NOUN
fsr-3279	236	37	4	4	NUM
fsr-3279	236	38	)	)	PUNCT
fsr-3279	236	39	,	,	PUNCT
fsr-3279	236	40	none	none	NOUN
fsr-3279	236	41	of	of	ADP
fsr-3279	236	42	the	the	DET
fsr-3279	236	43	terms	term	NOUN
fsr-3279	236	44	involving	involve	VERB
fsr-3279	236	45	the	the	DET
fsr-3279	236	46	investments	investment	NOUN
fsr-3279	236	47	to	to	ADP
fsr-3279	236	48	normal	normal	ADJ
fsr-3279	236	49	income	income	NOUN
fsr-3279	236	50	ratio	ratio	NOUN
fsr-3279	236	51	are	be	AUX
fsr-3279	236	52	significantly	significantly	ADV
fsr-3279	236	53	different	different	ADJ
fsr-3279	236	54	from	from	ADP
fsr-3279	236	55	zero	zero	NUM
fsr-3279	236	56	,	,	PUNCT
fsr-3279	236	57	while	while	SCONJ
fsr-3279	236	58	for	for	ADP
fsr-3279	236	59	the	the	DET
fsr-3279	236	60	investments	investment	NOUN
fsr-3279	236	61	to	to	ADP
fsr-3279	236	62	assets	asset	NOUN
fsr-3279	236	63	ratio	ratio	NOUN
fsr-3279	236	64	,	,	PUNCT
fsr-3279	236	65	one	one	NUM
fsr-3279	236	66	term	term	NOUN
fsr-3279	236	67	is	be	AUX
fsr-3279	236	68	significant	significant	ADJ
fsr-3279	236	69	.	.	PUNCT
fsr-3279	237	1	in	in	ADP
fsr-3279	237	2	the	the	DET
fsr-3279	237	3	regressions	regression	NOUN
fsr-3279	237	4	with	with	ADP
fsr-3279	237	5	no	no	DET
fsr-3279	237	6	age	age	NOUN
fsr-3279	237	7	interaction	interaction	NOUN
fsr-3279	237	8	terms	term	NOUN
fsr-3279	237	9	(	(	PUNCT
fsr-3279	237	10	appendix	appendix	NOUN
fsr-3279	237	11	b	b	NOUN
fsr-3279	237	12	)	)	PUNCT
fsr-3279	237	13	,	,	PUNCT
fsr-3279	237	14	the	the	DET
fsr-3279	237	15	ratio	ratio	NOUN
fsr-3279	237	16	and	and	CCONJ
fsr-3279	237	17	the	the	DET
fsr-3279	237	18	square	square	NOUN
fsr-3279	237	19	of	of	ADP
fsr-3279	237	20	the	the	DET
fsr-3279	237	21	ratio	ratio	NOUN
fsr-3279	237	22	have	have	VERB
fsr-3279	237	23	highly	highly	ADV
fsr-3279	237	24	significant	significant	ADJ
fsr-3279	237	25	effects	effect	NOUN
fsr-3279	237	26	for	for	ADP
fsr-3279	237	27	both	both	CCONJ
fsr-3279	237	28	the	the	DET
fsr-3279	237	29	investments	investment	NOUN
fsr-3279	237	30	to	to	ADP
fsr-3279	237	31	normal	normal	ADJ
fsr-3279	237	32	income	income	NOUN
fsr-3279	237	33	ratio	ratio	NOUN
fsr-3279	237	34	and	and	CCONJ
fsr-3279	237	35	the	the	DET
fsr-3279	237	36	investments	investment	NOUN
fsr-3279	237	37	to	to	ADP
fsr-3279	237	38	assets	asset	NOUN
fsr-3279	237	39	ratio	ratio	NOUN
fsr-3279	237	40	.	.	PUNCT
fsr-3279	238	1	for	for	ADP
fsr-3279	238	2	the	the	DET
fsr-3279	238	3	investments	investment	NOUN
fsr-3279	238	4	to	to	ADP
fsr-3279	238	5	assets	asset	NOUN
fsr-3279	238	6	ratio	ratio	NOUN
fsr-3279	238	7	,	,	PUNCT
fsr-3279	238	8	a	a	DET
fsr-3279	238	9	ratio	ratio	NOUN
fsr-3279	238	10	guideline	guideline	NOUN
fsr-3279	238	11	of	of	ADP
fsr-3279	238	12	0.5	0.5	NUM
fsr-3279	238	13	might	might	AUX
fsr-3279	238	14	be	be	AUX
fsr-3279	238	15	plausible	plausible	ADJ
fsr-3279	238	16	,	,	PUNCT
fsr-3279	238	17	based	base	VERB
fsr-3279	238	18	on	on	ADP
fsr-3279	238	19	our	our	PRON
fsr-3279	238	20	regression	regression	NOUN
fsr-3279	238	21	results	result	NOUN
fsr-3279	238	22	.	.	PUNCT
fsr-3279	239	1	as	as	ADP
fsr-3279	239	2	with	with	ADP
fsr-3279	239	3	any	any	DET
fsr-3279	239	4	financial	financial	ADJ
fsr-3279	239	5	ratio	ratio	NOUN
fsr-3279	239	6	guideline	guideline	NOUN
fsr-3279	239	7	,	,	PUNCT
fsr-3279	239	8	one	one	PRON
fsr-3279	239	9	should	should	AUX
fsr-3279	239	10	be	be	AUX
fsr-3279	239	11	cautious	cautious	ADJ
fsr-3279	239	12	in	in	ADP
fsr-3279	239	13	applying	apply	VERB
fsr-3279	239	14	such	such	ADJ
fsr-3279	239	15	guidelines	guideline	NOUN
fsr-3279	239	16	,	,	PUNCT
fsr-3279	239	17	as	as	SCONJ
fsr-3279	239	18	a	a	DET
fsr-3279	239	19	more	more	ADV
fsr-3279	239	20	complex	complex	ADJ
fsr-3279	239	21	analysis	analysis	NOUN
fsr-3279	239	22	of	of	ADP
fsr-3279	239	23	a	a	DET
fsr-3279	239	24	household	household	NOUN
fsr-3279	239	25	’s	’s	PART
fsr-3279	239	26	situation	situation	NOUN
fsr-3279	239	27	is	be	AUX
fsr-3279	239	28	always	always	ADV
fsr-3279	239	29	desirable	desirable	ADJ
fsr-3279	239	30	.	.	PUNCT
fsr-3279	240	1	even	even	ADV
fsr-3279	240	2	though	though	SCONJ
fsr-3279	240	3	the	the	DET
fsr-3279	240	4	investments	investment	NOUN
fsr-3279	240	5	to	to	ADP
fsr-3279	240	6	assets	asset	NOUN
fsr-3279	240	7	ratio	ratio	NOUN
fsr-3279	240	8	is	be	AUX
fsr-3279	240	9	best	good	ADJ
fsr-3279	240	10	in	in	ADP
fsr-3279	240	11	terms	term	NOUN
fsr-3279	240	12	of	of	ADP
fsr-3279	240	13	mathematical	mathematical	ADJ
fsr-3279	240	14	properties	property	NOUN
fsr-3279	240	15	and	and	CCONJ
fsr-3279	240	16	explanatory	explanatory	ADJ
fsr-3279	240	17	power	power	NOUN
fsr-3279	240	18	,	,	PUNCT
fsr-3279	240	19	the	the	DET
fsr-3279	240	20	investments	investment	NOUN
fsr-3279	240	21	to	to	ADP
fsr-3279	240	22	normal	normal	ADJ
fsr-3279	240	23	income	income	NOUN
fsr-3279	240	24	ratio	ratio	NOUN
fsr-3279	240	25	has	have	VERB
fsr-3279	240	26	some	some	DET
fsr-3279	240	27	plausibility	plausibility	NOUN
fsr-3279	240	28	in	in	ADP
fsr-3279	240	29	terms	term	NOUN
fsr-3279	240	30	of	of	ADP
fsr-3279	240	31	financial	financial	ADJ
fsr-3279	240	32	planning	planning	NOUN
fsr-3279	240	33	models	model	NOUN
fsr-3279	240	34	(	(	PUNCT
fsr-3279	240	35	e.g.	e.g.	ADV
fsr-3279	240	36	,	,	PUNCT
fsr-3279	240	37	fig	fig	NOUN
fsr-3279	240	38	.	.	NOUN
fsr-3279	241	1	1	1	NUM
fsr-3279	241	2	)	)	PUNCT
fsr-3279	241	3	.	.	PUNCT
fsr-3279	242	1	both	both	CCONJ
fsr-3279	242	2	the	the	DET
fsr-3279	242	3	median	median	ADJ
fsr-3279	242	4	and	and	CCONJ
fsr-3279	242	5	mean	mean	ADJ
fsr-3279	242	6	levels	level	NOUN
fsr-3279	242	7	of	of	ADP
fsr-3279	242	8	both	both	CCONJ
fsr-3279	242	9	the	the	DET
fsr-3279	242	10	investments	investment	NOUN
fsr-3279	242	11	to	to	ADP
fsr-3279	242	12	normal	normal	ADJ
fsr-3279	242	13	income	income	NOUN
fsr-3279	242	14	ratio	ratio	NOUN
fsr-3279	242	15	and	and	CCONJ
fsr-3279	242	16	the	the	DET
fsr-3279	242	17	investments	investment	NOUN
fsr-3279	242	18	to	to	ADP
fsr-3279	242	19	assets	asset	NOUN
fsr-3279	242	20	ratio	ratio	NOUN
fsr-3279	242	21	by	by	ADP
fsr-3279	242	22	age	age	NOUN
fsr-3279	242	23	group	group	NOUN
fsr-3279	242	24	(	(	PUNCT
fsr-3279	242	25	table	table	NOUN
fsr-3279	242	26	3	3	NUM
fsr-3279	242	27	)	)	PUNCT
fsr-3279	242	28	are	be	AUX
fsr-3279	242	29	far	far	ADV
fsr-3279	242	30	below	below	ADP
fsr-3279	242	31	the	the	DET
fsr-3279	242	32	optimal	optimal	ADJ
fsr-3279	242	33	levels	level	NOUN
fsr-3279	242	34	of	of	ADP
fsr-3279	242	35	these	these	DET
fsr-3279	242	36	two	two	NUM
fsr-3279	242	37	ratios	ratio	NOUN
fsr-3279	242	38	based	base	VERB
fsr-3279	242	39	on	on	ADP
fsr-3279	242	40	the	the	DET
fsr-3279	242	41	regressions	regression	NOUN
fsr-3279	242	42	(	(	PUNCT
fsr-3279	242	43	table	table	NOUN
fsr-3279	242	44	5	5	NUM
fsr-3279	242	45	)	)	PUNCT
fsr-3279	242	46	.	.	PUNCT
fsr-3279	243	1	this	this	DET
fsr-3279	243	2	divergence	divergence	NOUN
fsr-3279	243	3	between	between	ADP
fsr-3279	243	4	the	the	DET
fsr-3279	243	5	optimal	optimal	ADJ
fsr-3279	243	6	patterns	pattern	NOUN
fsr-3279	243	7	and	and	CCONJ
fsr-3279	243	8	actual	actual	ADJ
fsr-3279	243	9	patterns	pattern	NOUN
fsr-3279	243	10	is	be	AUX
fsr-3279	243	11	consistent	consistent	ADJ
fsr-3279	243	12	with	with	ADP
fsr-3279	243	13	most	most	ADJ
fsr-3279	243	14	research	research	NOUN
fsr-3279	243	15	on	on	ADP
fsr-3279	243	16	retirement	retirement	NOUN
fsr-3279	243	17	adequacy	adequacy	NOUN
fsr-3279	243	18	(	(	PUNCT
fsr-3279	243	19	hanna	hanna	PROPN
fsr-3279	243	20	,	,	PUNCT
fsr-3279	243	21	kim	kim	PROPN
fsr-3279	243	22	,	,	PUNCT
fsr-3279	243	23	and	and	CCONJ
fsr-3279	243	24	chen	chen	PROPN
fsr-3279	243	25	,	,	PUNCT
fsr-3279	243	26	2016	2016	NUM
fsr-3279	243	27	)	)	PUNCT
fsr-3279	243	28	.	.	PUNCT
fsr-3279	244	1	the	the	DET
fsr-3279	244	2	investments	investment	NOUN
fsr-3279	244	3	to	to	PART
fsr-3279	244	4	net	net	VERB
fsr-3279	244	5	worth	worth	ADJ
fsr-3279	244	6	ratio	ratio	NOUN
fsr-3279	244	7	,	,	PUNCT
fsr-3279	244	8	also	also	ADV
fsr-3279	244	9	known	know	VERB
fsr-3279	244	10	as	as	ADP
fsr-3279	244	11	the	the	DET
fsr-3279	244	12	capital	capital	NOUN
fsr-3279	244	13	accumulation	accumulation	NOUN
fsr-3279	244	14	ratio	ratio	NOUN
fsr-3279	244	15	,	,	PUNCT
fsr-3279	244	16	has	have	VERB
fsr-3279	244	17	poor	poor	ADJ
fsr-3279	244	18	mathematical	mathematical	ADJ
fsr-3279	244	19	properties	property	NOUN
fsr-3279	244	20	,	,	PUNCT
fsr-3279	244	21	and	and	CCONJ
fsr-3279	244	22	has	have	AUX
fsr-3279	244	23	limited	limit	VERB
fsr-3279	244	24	explanatory	explanatory	ADJ
fsr-3279	244	25	power	power	NOUN
fsr-3279	244	26	in	in	ADP
fsr-3279	244	27	terms	term	NOUN
fsr-3279	244	28	of	of	ADP
fsr-3279	244	29	the	the	DET
fsr-3279	244	30	regression	regression	NOUN
fsr-3279	244	31	on	on	ADP
fsr-3279	244	32	perceived	perceive	VERB
fsr-3279	244	33	retirement	retirement	NOUN
fsr-3279	244	34	adequacy	adequacy	NOUN
fsr-3279	244	35	.	.	PUNCT
fsr-3279	245	1	even	even	ADV
fsr-3279	245	2	though	though	SCONJ
fsr-3279	245	3	this	this	DET
fsr-3279	245	4	ratio	ratio	NOUN
fsr-3279	245	5	is	be	AUX
fsr-3279	245	6	the	the	DET
fsr-3279	245	7	only	only	ADJ
fsr-3279	245	8	investment	investment	NOUN
fsr-3279	245	9	ratio	ratio	NOUN
fsr-3279	245	10	with	with	ADP
fsr-3279	245	11	an	an	DET
fsr-3279	245	12	extensive	extensive	ADJ
fsr-3279	245	13	amount	amount	NOUN
fsr-3279	245	14	of	of	ADP
fsr-3279	245	15	empirical	empirical	ADJ
fsr-3279	245	16	research	research	NOUN
fsr-3279	245	17	,	,	PUNCT
fsr-3279	245	18	it	it	PRON
fsr-3279	245	19	should	should	AUX
fsr-3279	245	20	not	not	PART
fsr-3279	245	21	be	be	AUX
fsr-3279	245	22	used	use	VERB
fsr-3279	245	23	in	in	ADP
fsr-3279	245	24	financial	financial	ADJ
fsr-3279	245	25	education	education	NOUN
fsr-3279	245	26	or	or	CCONJ
fsr-3279	245	27	advising	advise	VERB
fsr-3279	245	28	in	in	ADP
fsr-3279	245	29	the	the	DET
fsr-3279	245	30	future	future	NOUN
fsr-3279	245	31	.	.	PUNCT
fsr-3279	246	1	appendix	appendix	NOUN
fsr-3279	246	2	:	:	PUNCT
fsr-3279	246	3	a	a	DET
fsr-3279	246	4	finding	find	VERB
fsr-3279	246	5	maximum	maximum	ADJ
fsr-3279	246	6	levels	level	NOUN
fsr-3279	246	7	for	for	ADP
fsr-3279	246	8	age	age	NOUN
fsr-3279	246	9	and	and	CCONJ
fsr-3279	246	10	for	for	ADP
fsr-3279	246	11	each	each	DET
fsr-3279	246	12	ratio	ratio	NOUN
fsr-3279	246	13	from	from	ADP
fsr-3279	246	14	regression	regression	NOUN
fsr-3279	246	15	results	result	NOUN
fsr-3279	246	16	.	.	PUNCT
fsr-3279	247	1	if	if	SCONJ
fsr-3279	247	2	y	y	PROPN
fsr-3279	247	3	is	be	AUX
fsr-3279	247	4	the	the	DET
fsr-3279	247	5	assessment	assessment	NOUN
fsr-3279	247	6	of	of	ADP
fsr-3279	247	7	retirement	retirement	NOUN
fsr-3279	247	8	adequacy	adequacy	NOUN
fsr-3279	247	9	,	,	PUNCT
fsr-3279	247	10	and	and	CCONJ
fsr-3279	247	11	x	x	X
fsr-3279	247	12	is	be	AUX
fsr-3279	247	13	either	either	PRON
fsr-3279	247	14	age	age	NOUN
fsr-3279	247	15	or	or	CCONJ
fsr-3279	247	16	the	the	DET
fsr-3279	247	17	ratio	ratio	NOUN
fsr-3279	247	18	,	,	PUNCT
fsr-3279	247	19	the	the	DET
fsr-3279	247	20	relevant	relevant	ADJ
fsr-3279	247	21	results	result	NOUN
fsr-3279	247	22	from	from	ADP
fsr-3279	247	23	each	each	DET
fsr-3279	247	24	regression	regression	NOUN
fsr-3279	247	25	without	without	ADP
fsr-3279	247	26	interaction	interaction	NOUN
fsr-3279	247	27	terms	term	NOUN
fsr-3279	247	28	between	between	ADP
fsr-3279	247	29	age	age	NOUN
fsr-3279	247	30	and	and	CCONJ
fsr-3279	247	31	the	the	DET
fsr-3279	247	32	ratio	ratio	NOUN
fsr-3279	247	33	can	can	AUX
fsr-3279	247	34	be	be	AUX
fsr-3279	247	35	expressed	express	VERB
fsr-3279	247	36	as	as	ADP
fsr-3279	247	37	:	:	PUNCT
fsr-3279	247	38	274	274	NUM
fsr-3279	247	39	s.d	s.d	PROPN
fsr-3279	247	40	.	.	PROPN
fsr-3279	247	41	hanna	hanna	PROPN
fsr-3279	247	42	,	,	PUNCT
fsr-3279	247	43	k.t	k.t	PROPN
fsr-3279	247	44	.	.	PROPN
fsr-3279	247	45	kim	kim	PROPN
fsr-3279	247	46	/	/	SYM
fsr-3279	247	47	financial	financial	ADJ
fsr-3279	247	48	services	service	NOUN
fsr-3279	247	49	review	review	VERB
fsr-3279	247	50	25	25	NUM
fsr-3279	247	51	(	(	PUNCT
fsr-3279	247	52	2016	2016	NUM
fsr-3279	247	53	)	)	PUNCT
fsr-3279	247	54	263–277	263–277	NUM
fsr-3279	247	55	y	y	PROPN
fsr-3279	247	56	�	�	PROPN
fsr-3279	247	57	ax	ax	PROPN
fsr-3279	247	58	�	�	PROPN
fsr-3279	247	59	bx2	bx2	PROPN
fsr-3279	247	60	.	.	PUNCT
fsr-3279	248	1	(	(	PUNCT
fsr-3279	248	2	1	1	X
fsr-3279	248	3	)	)	PUNCT
fsr-3279	248	4	dy	dy	PROPN
fsr-3279	248	5	/	/	SYM
fsr-3279	248	6	dx	dx	PROPN
fsr-3279	248	7	�	�	PROPN
fsr-3279	248	8	a	a	DET
fsr-3279	248	9	�	�	PROPN
fsr-3279	248	10	2bx	2bx	NOUN
fsr-3279	248	11	.	.	PUNCT
fsr-3279	249	1	(	(	PUNCT
fsr-3279	249	2	2	2	X
fsr-3279	249	3	)	)	PUNCT
fsr-3279	249	4	at	at	ADP
fsr-3279	249	5	extreme	extreme	ADJ
fsr-3279	249	6	point	point	NOUN
fsr-3279	249	7	,	,	PUNCT
fsr-3279	249	8	slope	slope	NOUN
fsr-3279	249	9	�	�	PROPN
fsr-3279	249	10	0	0	NUM
fsr-3279	249	11	.	.	PUNCT
fsr-3279	250	1	so	so	ADV
fsr-3279	250	2	,	,	PUNCT
fsr-3279	250	3	xe	xe	PROPN
fsr-3279	250	4	�	�	PROPN
fsr-3279	250	5	�	�	PROPN
fsr-3279	250	6	a/2b	a/2b	NOUN
fsr-3279	250	7	.	.	PUNCT
fsr-3279	251	1	(	(	PUNCT
fsr-3279	251	2	3	3	X
fsr-3279	251	3	)	)	PUNCT
fsr-3279	251	4	if	if	SCONJ
fsr-3279	251	5	a	a	DET
fsr-3279	251	6	�	�	PROPN
fsr-3279	251	7	0	0	NUM
fsr-3279	251	8	,	,	PUNCT
fsr-3279	251	9	xe	xe	PROPN
fsr-3279	251	10	is	be	AUX
fsr-3279	251	11	a	a	DET
fsr-3279	251	12	maximum	maximum	NOUN
fsr-3279	251	13	.	.	PUNCT
fsr-3279	252	1	if	if	SCONJ
fsr-3279	252	2	a	a	DET
fsr-3279	252	3	�	�	PROPN
fsr-3279	252	4	0	0	NUM
fsr-3279	252	5	,	,	PUNCT
fsr-3279	252	6	xe	xe	PROPN
fsr-3279	252	7	is	be	AUX
fsr-3279	252	8	a	a	DET
fsr-3279	252	9	minimum	minimum	NOUN
fsr-3279	252	10	.	.	PUNCT
fsr-3279	253	1	the	the	DET
fsr-3279	253	2	calculus	calculus	NOUN
fsr-3279	253	3	is	be	AUX
fsr-3279	253	4	more	more	ADV
fsr-3279	253	5	complicated	complicated	ADJ
fsr-3279	253	6	with	with	ADP
fsr-3279	253	7	the	the	DET
fsr-3279	253	8	interaction	interaction	NOUN
fsr-3279	253	9	terms	term	NOUN
fsr-3279	253	10	.	.	PUNCT
fsr-3279	254	1	with	with	SCONJ
fsr-3279	254	2	x	x	PROPN
fsr-3279	254	3	�	�	PROPN
fsr-3279	254	4	ratio	ratio	NOUN
fsr-3279	254	5	,	,	PUNCT
fsr-3279	254	6	g	g	PROPN
fsr-3279	254	7	�	�	PROPN
fsr-3279	254	8	age	age	NOUN
fsr-3279	254	9	,	,	PUNCT
fsr-3279	254	10	coefficients	coefficient	VERB
fsr-3279	254	11	�	�	PROPN
fsr-3279	254	12	a	a	DET
fsr-3279	254	13	,	,	PUNCT
fsr-3279	254	14	b	b	PROPN
fsr-3279	254	15	,	,	PUNCT
fsr-3279	254	16	c	c	NOUN
fsr-3279	254	17	,	,	PUNCT
fsr-3279	254	18	d	d	PROPN
fsr-3279	254	19	y	y	PROPN
fsr-3279	254	20	�	�	PROPN
fsr-3279	254	21	ax	ax	PROPN
fsr-3279	254	22	�	�	PROPN
fsr-3279	254	23	bx2	bx2	PROPN
fsr-3279	254	24	�	�	PROPN
fsr-3279	254	25	cgx	cgx	PROPN
fsr-3279	254	26	�	�	PROPN
fsr-3279	254	27	dgx2	dgx2	PROPN
fsr-3279	254	28	.	.	PUNCT
fsr-3279	255	1	(	(	PUNCT
fsr-3279	255	2	4	4	X
fsr-3279	255	3	)	)	PUNCT
fsr-3279	255	4	dy	dy	NOUN
fsr-3279	255	5	/	/	SYM
fsr-3279	255	6	dx	dx	PROPN
fsr-3279	255	7	�	�	PROPN
fsr-3279	255	8	a	a	DET
fsr-3279	255	9	�	�	PROPN
fsr-3279	255	10	2bx	2bx	ADJ
fsr-3279	255	11	�	�	PROPN
fsr-3279	255	12	cg	cg	PROPN
fsr-3279	255	13	�	�	PROPN
fsr-3279	255	14	2dgx	2dgx	PROPN
fsr-3279	255	15	.	.	PUNCT
fsr-3279	256	1	(	(	PUNCT
fsr-3279	256	2	5	5	NUM
fsr-3279	256	3	)	)	PUNCT
fsr-3279	256	4	at	at	ADP
fsr-3279	256	5	slop	slop	PROPN
fsr-3279	256	6	�	�	PROPN
fsr-3279	256	7	0	0	NUM
fsr-3279	256	8	,	,	PUNCT
fsr-3279	256	9	x	x	PROPN
fsr-3279	256	10	�	�	PROPN
fsr-3279	256	11	�	�	PROPN
fsr-3279	256	12	(	(	PUNCT
fsr-3279	256	13	a	a	DET
fsr-3279	256	14	�	�	PROPN
fsr-3279	256	15	cg)/(2b	cg)/(2b	NOUN
fsr-3279	256	16	�	�	PROPN
fsr-3279	256	17	2dg	2dg	NOUN
fsr-3279	256	18	)	)	PUNCT
fsr-3279	256	19	.	.	PUNCT
fsr-3279	257	1	(	(	PUNCT
fsr-3279	257	2	6	6	X
fsr-3279	257	3	)	)	PUNCT
fsr-3279	257	4	appendix	appendix	NOUN
fsr-3279	257	5	b	b	PROPN
fsr-3279	257	6	table	table	NOUN
fsr-3279	257	7	b1	b1	NOUN
fsr-3279	257	8	shows	show	VERB
fsr-3279	257	9	regressions	regression	NOUN
fsr-3279	257	10	of	of	ADP
fsr-3279	257	11	the	the	DET
fsr-3279	257	12	ratios	ratio	NOUN
fsr-3279	257	13	and	and	CCONJ
fsr-3279	257	14	the	the	DET
fsr-3279	257	15	square	square	NOUN
fsr-3279	257	16	of	of	ADP
fsr-3279	257	17	the	the	DET
fsr-3279	257	18	ratios	ratio	NOUN
fsr-3279	257	19	,	,	PUNCT
fsr-3279	257	20	without	without	ADP
fsr-3279	257	21	interaction	interaction	NOUN
fsr-3279	257	22	terms	term	NOUN
fsr-3279	257	23	between	between	ADP
fsr-3279	257	24	age	age	NOUN
fsr-3279	257	25	and	and	CCONJ
fsr-3279	257	26	the	the	DET
fsr-3279	257	27	ratio	ratio	NOUN
fsr-3279	257	28	and	and	CCONJ
fsr-3279	257	29	ratio	ratio	NOUN
fsr-3279	257	30	squared	square	VERB
fsr-3279	257	31	variables	variable	NOUN
fsr-3279	257	32	.	.	PUNCT
fsr-3279	258	1	(	(	PUNCT
fsr-3279	258	2	the	the	DET
fsr-3279	258	3	regressions	regression	NOUN
fsr-3279	258	4	with	with	ADP
fsr-3279	258	5	interaction	interaction	NOUN
fsr-3279	258	6	terms	term	NOUN
fsr-3279	258	7	for	for	ADP
fsr-3279	258	8	age	age	NOUN
fsr-3279	258	9	,	,	PUNCT
fsr-3279	258	10	shown	show	VERB
fsr-3279	258	11	in	in	ADP
fsr-3279	258	12	table	table	NOUN
fsr-3279	258	13	4	4	NUM
fsr-3279	258	14	,	,	PUNCT
fsr-3279	258	15	have	have	VERB
fsr-3279	258	16	very	very	ADV
fsr-3279	258	17	high	high	ADJ
fsr-3279	258	18	variance	variance	NOUN
fsr-3279	258	19	inflation	inflation	NOUN
fsr-3279	258	20	factors	factor	NOUN
fsr-3279	258	21	for	for	ADP
fsr-3279	258	22	the	the	DET
fsr-3279	258	23	interaction	interaction	NOUN
fsr-3279	258	24	terms	term	NOUN
fsr-3279	258	25	,	,	PUNCT
fsr-3279	258	26	indicating	indicate	VERB
fsr-3279	258	27	multicollinearity	multicollinearity	NOUN
fsr-3279	258	28	,	,	PUNCT
fsr-3279	258	29	which	which	PRON
fsr-3279	258	30	resulted	result	VERB
fsr-3279	258	31	in	in	ADP
fsr-3279	258	32	all	all	PRON
fsr-3279	258	33	but	but	SCONJ
fsr-3279	258	34	one	one	NUM
fsr-3279	258	35	of	of	ADP
fsr-3279	258	36	the	the	DET
fsr-3279	258	37	interaction	interaction	NOUN
fsr-3279	258	38	terms	term	NOUN
fsr-3279	258	39	not	not	PART
fsr-3279	258	40	being	be	AUX
fsr-3279	258	41	statistically	statistically	ADV
fsr-3279	258	42	significant	significant	ADJ
fsr-3279	258	43	.	.	PUNCT
fsr-3279	258	44	)	)	PUNCT
fsr-3279	259	1	for	for	SCONJ
fsr-3279	259	2	the	the	DET
fsr-3279	259	3	investments	investment	NOUN
fsr-3279	259	4	to	to	PART
fsr-3279	259	5	net	net	VERB
fsr-3279	259	6	worth	worth	ADJ
fsr-3279	259	7	ratio	ratio	NOUN
fsr-3279	259	8	regression	regression	NOUN
fsr-3279	259	9	,	,	PUNCT
fsr-3279	259	10	the	the	DET
fsr-3279	259	11	ratio	ratio	NOUN
fsr-3279	259	12	and	and	CCONJ
fsr-3279	259	13	its	its	PRON
fsr-3279	259	14	table	table	NOUN
fsr-3279	259	15	b1	b1	NOUN
fsr-3279	259	16	regressions	regression	NOUN
fsr-3279	259	17	on	on	ADP
fsr-3279	259	18	subjective	subjective	ADJ
fsr-3279	259	19	assessment	assessment	NOUN
fsr-3279	259	20	of	of	ADP
fsr-3279	259	21	retirement	retirement	NOUN
fsr-3279	259	22	adequacy	adequacy	NOUN
fsr-3279	259	23	,	,	PUNCT
fsr-3279	259	24	among	among	ADP
fsr-3279	259	25	households	household	NOUN
fsr-3279	259	26	with	with	ADP
fsr-3279	259	27	non	non	ADJ
fsr-3279	259	28	-	-	ADJ
fsr-3279	259	29	retired	retired	ADJ
fsr-3279	259	30	head	head	NOUN
fsr-3279	259	31	,	,	PUNCT
fsr-3279	259	32	by	by	ADP
fsr-3279	259	33	investment	investment	NOUN
fsr-3279	259	34	ratios	ratio	NOUN
fsr-3279	259	35	,	,	PUNCT
fsr-3279	259	36	controlling	control	VERB
fsr-3279	259	37	for	for	ADP
fsr-3279	259	38	age	age	NOUN
fsr-3279	259	39	,	,	PUNCT
fsr-3279	259	40	homeownership	homeownership	NOUN
fsr-3279	259	41	,	,	PUNCT
fsr-3279	259	42	having	have	VERB
fsr-3279	259	43	defined	define	VERB
fsr-3279	259	44	benefit	benefit	NOUN
fsr-3279	259	45	plan	plan	NOUN
fsr-3279	259	46	,	,	PUNCT
fsr-3279	259	47	working	work	VERB
fsr-3279	259	48	part	part	NOUN
fsr-3279	259	49	-	-	PUNCT
fsr-3279	259	50	time	time	NOUN
fsr-3279	259	51	,	,	PUNCT
fsr-3279	259	52	and	and	CCONJ
fsr-3279	259	53	not	not	PART
fsr-3279	259	54	working	work	VERB
fsr-3279	259	55	variable	variable	ADJ
fsr-3279	259	56	investment	investment	NOUN
fsr-3279	259	57	/	/	SYM
fsr-3279	259	58	net	net	NOUN
fsr-3279	259	59	worth	worth	ADJ
fsr-3279	259	60	investment	investment	NOUN
fsr-3279	259	61	/	/	SYM
fsr-3279	259	62	normal	normal	ADJ
fsr-3279	259	63	income	income	NOUN
fsr-3279	259	64	investment	investment	NOUN
fsr-3279	259	65	/	/	SYM
fsr-3279	259	66	assets	asset	NOUN
fsr-3279	259	67	coefficient	coefficient	VERB
fsr-3279	259	68	p	p	NOUN
fsr-3279	259	69	-	-	PUNCT
fsr-3279	259	70	value	value	NOUN
fsr-3279	259	71	coefficient	coefficient	NOUN
fsr-3279	259	72	p	p	NOUN
fsr-3279	259	73	-	-	PUNCT
fsr-3279	259	74	value	value	NOUN
fsr-3279	259	75	coefficient	coefficient	NOUN
fsr-3279	259	76	p	p	NOUN
fsr-3279	259	77	-	-	PUNCT
fsr-3279	259	78	value	value	NOUN
fsr-3279	259	79	ratio	ratio	NOUN
fsr-3279	259	80	0.0062	0.0062	NUM
fsr-3279	259	81	.6627	.6627	PROPN
fsr-3279	259	82	0.0340	0.0340	NUM
fsr-3279	259	83	�	�	NOUN
fsr-3279	259	84	.0001	.0001	NUM
fsr-3279	259	85	1.6088	1.6088	NUM
fsr-3279	259	86	�	�	NOUN
fsr-3279	259	87	.0001	.0001	NOUN
fsr-3279	259	88	ratio	ratio	NOUN
fsr-3279	259	89	squared	square	VERB
fsr-3279	259	90	�	�	PROPN
fsr-3279	259	91	5.4e-05	5.4e-05	PROPN
fsr-3279	259	92	.6220	.6220	NOUN
fsr-3279	259	93	�	�	PROPN
fsr-3279	259	94	0.0012	0.0012	NUM
fsr-3279	259	95	�	�	PROPN
fsr-3279	259	96	.0001	.0001	PROPN
fsr-3279	259	97	�	�	PROPN
fsr-3279	259	98	1.5457	1.5457	NUM
fsr-3279	259	99	�	�	NOUN
fsr-3279	259	100	.0001	.0001	NOUN
fsr-3279	259	101	age	age	NOUN
fsr-3279	259	102	of	of	ADP
fsr-3279	259	103	head	head	NOUN
fsr-3279	259	104	�	�	PROPN
fsr-3279	259	105	0.0255	0.0255	NUM
fsr-3279	259	106	�	�	PROPN
fsr-3279	259	107	.0001	.0001	SYM
fsr-3279	259	108	�	�	PROPN
fsr-3279	259	109	0.0274	0.0274	NUM
fsr-3279	259	110	�	�	PROPN
fsr-3279	259	111	.0001	.0001	SYM
fsr-3279	259	112	�	�	PROPN
fsr-3279	259	113	0.0301	0.0301	NUM
fsr-3279	259	114	�	�	NOUN
fsr-3279	259	115	.0001	.0001	NOUN
fsr-3279	259	116	age	age	NOUN
fsr-3279	259	117	of	of	ADP
fsr-3279	259	118	head/10,000	head/10,000	PROPN
fsr-3279	259	119	3.3069	3.3069	PROPN
fsr-3279	259	120	�	�	PROPN
fsr-3279	259	121	.0001	.0001	NOUN
fsr-3279	259	122	3.4001	3.4001	NUM
fsr-3279	259	123	�	�	NOUN
fsr-3279	259	124	.0001	.0001	PROPN
fsr-3279	259	125	3.3601	3.3601	NUM
fsr-3279	259	126	�	�	NOUN
fsr-3279	259	127	.0001	.0001	NOUN
fsr-3279	259	128	homeowner	homeowner	NOUN
fsr-3279	259	129	0.1574	0.1574	NUM
fsr-3279	259	130	�	�	NOUN
fsr-3279	259	131	.0001	.0001	NOUN
fsr-3279	259	132	0.1307	0.1307	NUM
fsr-3279	259	133	.0003	.0003	NUM
fsr-3279	259	134	0.0776	0.0776	NUM
fsr-3279	259	135	.0591	.0591	PROPN
fsr-3279	259	136	have	have	AUX
fsr-3279	259	137	defined	define	VERB
fsr-3279	259	138	benefit	benefit	NOUN
fsr-3279	259	139	pension	pension	NOUN
fsr-3279	259	140	0.3915	0.3915	NUM
fsr-3279	259	141	�	�	NOUN
fsr-3279	259	142	.0001	.0001	PRON
fsr-3279	259	143	0.3905	0.3905	NUM
fsr-3279	259	144	�	�	PROPN
fsr-3279	259	145	.0001	.0001	NUM
fsr-3279	259	146	0.3678	0.3678	NUM
fsr-3279	259	147	�	�	SYM
fsr-3279	259	148	.0001	.0001	NOUN
fsr-3279	259	149	employment	employment	NOUN
fsr-3279	259	150	status	status	NOUN
fsr-3279	259	151	of	of	ADP
fsr-3279	259	152	head	head	NOUN
fsr-3279	259	153	(	(	PUNCT
fsr-3279	259	154	reference	reference	NOUN
fsr-3279	259	155	category	category	NOUN
fsr-3279	259	156	:	:	PUNCT
fsr-3279	259	157	full	full	ADJ
fsr-3279	259	158	-	-	PUNCT
fsr-3279	259	159	time	time	NOUN
fsr-3279	259	160	)	)	PUNCT
fsr-3279	259	161	head	head	NOUN
fsr-3279	259	162	working	work	VERB
fsr-3279	259	163	part	part	ADJ
fsr-3279	259	164	-	-	PUNCT
fsr-3279	259	165	time	time	NOUN
fsr-3279	260	1	0.1345	0.1345	NUM
fsr-3279	260	2	.0204	.0204	PROPN
fsr-3279	260	3	0.1405	0.1405	NUM
fsr-3279	260	4	.0151	.0151	NOUN
fsr-3279	260	5	0.1693	0.1693	NUM
fsr-3279	260	6	.0034	.0034	NOUN
fsr-3279	260	7	head	head	NOUN
fsr-3279	260	8	not	not	PART
fsr-3279	260	9	working	work	VERB
fsr-3279	260	10	but	but	CCONJ
fsr-3279	260	11	not	not	PART
fsr-3279	260	12	retired	retire	VERB
fsr-3279	260	13	0.1616	0.1616	NUM
fsr-3279	260	14	.0015	.0015	PROPN
fsr-3279	260	15	0.1863	0.1863	NUM
fsr-3279	260	16	.0003	.0003	NUM
fsr-3279	260	17	0.2242	0.2242	NUM
fsr-3279	260	18	�	�	PROPN
fsr-3279	260	19	.0001	.0001	NOUN
fsr-3279	260	20	intercept	intercept	NOUN
fsr-3279	260	21	2.6063	2.6063	NUM
fsr-3279	260	22	�	�	NOUN
fsr-3279	260	23	.0001	.0001	PROPN
fsr-3279	260	24	2.6401	2.6401	NUM
fsr-3279	260	25	�	�	NOUN
fsr-3279	260	26	.0001	.0001	NUM
fsr-3279	260	27	2.5785	2.5785	NUM
fsr-3279	260	28	�	�	NOUN
fsr-3279	260	29	.0001	.0001	NUM
fsr-3279	260	30	adjusted	adjust	VERB
fsr-3279	260	31	r2	r2	NOUN
fsr-3279	260	32	0.0444	0.0444	NUM
fsr-3279	260	33	0.0503	0.0503	NUM
fsr-3279	260	34	0.0578	0.0578	NUM
fsr-3279	260	35	note	note	NOUN
fsr-3279	260	36	:	:	PUNCT
fsr-3279	260	37	analysis	analysis	NOUN
fsr-3279	260	38	by	by	ADP
fsr-3279	260	39	authors	author	NOUN
fsr-3279	260	40	of	of	ADP
fsr-3279	260	41	2013	2013	NUM
fsr-3279	260	42	scf	scf	PROPN
fsr-3279	260	43	,	,	PUNCT
fsr-3279	260	44	households	household	NOUN
fsr-3279	260	45	with	with	ADP
fsr-3279	260	46	non	non	ADJ
fsr-3279	260	47	-	-	ADJ
fsr-3279	260	48	retired	retired	ADJ
fsr-3279	260	49	heads	head	NOUN
fsr-3279	260	50	.	.	PUNCT
fsr-3279	261	1	extreme	extreme	ADJ
fsr-3279	261	2	values	value	NOUN
fsr-3279	261	3	of	of	ADP
fsr-3279	261	4	ratios	ratio	NOUN
fsr-3279	261	5	recoded	recode	VERB
fsr-3279	261	6	.	.	PUNCT
fsr-3279	262	1	unweighted	unweighte	VERB
fsr-3279	262	2	analyses	analysis	NOUN
fsr-3279	262	3	.	.	PUNCT
fsr-3279	263	1	rii	rii	NOUN
fsr-3279	263	2	technique	technique	NOUN
fsr-3279	263	3	used	use	VERB
fsr-3279	263	4	.	.	PUNCT
fsr-3279	264	1	275s.d	275s.d	X
fsr-3279	264	2	.	.	PUNCT
fsr-3279	265	1	hanna	hanna	PROPN
fsr-3279	265	2	,	,	PUNCT
fsr-3279	265	3	k.t	k.t	PROPN
fsr-3279	265	4	.	.	PROPN
fsr-3279	265	5	kim	kim	PROPN
fsr-3279	265	6	/	/	SYM
fsr-3279	265	7	financial	financial	ADJ
fsr-3279	265	8	services	service	NOUN
fsr-3279	265	9	review	review	VERB
fsr-3279	265	10	25	25	NUM
fsr-3279	265	11	(	(	PUNCT
fsr-3279	265	12	2016	2016	NUM
fsr-3279	265	13	)	)	PUNCT
fsr-3279	266	1	263–277	263–277	NUM
fsr-3279	266	2	square	square	NOUN
fsr-3279	266	3	are	be	AUX
fsr-3279	266	4	not	not	PART
fsr-3279	266	5	significant	significant	ADJ
fsr-3279	266	6	,	,	PUNCT
fsr-3279	266	7	and	and	CCONJ
fsr-3279	266	8	the	the	DET
fsr-3279	266	9	combined	combined	ADJ
fsr-3279	266	10	effect	effect	NOUN
fsr-3279	266	11	implies	imply	VERB
fsr-3279	266	12	that	that	SCONJ
fsr-3279	266	13	perceived	perceive	VERB
fsr-3279	266	14	retirement	retirement	NOUN
fsr-3279	266	15	adequacy	adequacy	NOUN
fsr-3279	266	16	is	be	AUX
fsr-3279	266	17	maximized	maximize	VERB
fsr-3279	266	18	at	at	ADP
fsr-3279	266	19	a	a	DET
fsr-3279	266	20	level	level	NOUN
fsr-3279	266	21	of	of	ADP
fsr-3279	266	22	the	the	DET
fsr-3279	266	23	ratio	ratio	NOUN
fsr-3279	266	24	of	of	ADP
fsr-3279	266	25	almost	almost	ADV
fsr-3279	266	26	57	57	NUM
fsr-3279	266	27	,	,	PUNCT
fsr-3279	266	28	an	an	DET
fsr-3279	266	29	extreme	extreme	ADJ
fsr-3279	266	30	level	level	NOUN
fsr-3279	266	31	of	of	ADP
fsr-3279	266	32	household	household	NOUN
fsr-3279	266	33	leverage	leverage	NOUN
fsr-3279	266	34	.	.	PUNCT
fsr-3279	267	1	for	for	ADP
fsr-3279	267	2	the	the	DET
fsr-3279	267	3	investments	investment	NOUN
fsr-3279	267	4	to	to	ADP
fsr-3279	267	5	normal	normal	ADJ
fsr-3279	267	6	income	income	NOUN
fsr-3279	267	7	ratio	ratio	NOUN
fsr-3279	267	8	regression	regression	NOUN
fsr-3279	267	9	,	,	PUNCT
fsr-3279	267	10	both	both	CCONJ
fsr-3279	267	11	the	the	DET
fsr-3279	267	12	ratio	ratio	NOUN
fsr-3279	267	13	and	and	CCONJ
fsr-3279	267	14	its	its	PRON
fsr-3279	267	15	square	square	NOUN
fsr-3279	267	16	have	have	VERB
fsr-3279	267	17	significant	significant	ADJ
fsr-3279	267	18	effects	effect	NOUN
fsr-3279	267	19	,	,	PUNCT
fsr-3279	267	20	and	and	CCONJ
fsr-3279	267	21	the	the	DET
fsr-3279	267	22	combined	combined	ADJ
fsr-3279	267	23	effect	effect	NOUN
fsr-3279	267	24	implies	imply	VERB
fsr-3279	267	25	that	that	SCONJ
fsr-3279	267	26	perceived	perceive	VERB
fsr-3279	267	27	retirement	retirement	NOUN
fsr-3279	267	28	adequacy	adequacy	NOUN
fsr-3279	267	29	is	be	AUX
fsr-3279	267	30	maximized	maximize	VERB
fsr-3279	267	31	at	at	ADP
fsr-3279	267	32	a	a	DET
fsr-3279	267	33	level	level	NOUN
fsr-3279	267	34	of	of	ADP
fsr-3279	267	35	the	the	DET
fsr-3279	267	36	ratio	ratio	NOUN
fsr-3279	267	37	of	of	ADP
fsr-3279	267	38	almost	almost	ADV
fsr-3279	267	39	14	14	NUM
fsr-3279	267	40	.	.	PUNCT
fsr-3279	268	1	for	for	ADP
fsr-3279	268	2	the	the	DET
fsr-3279	268	3	investments	investment	NOUN
fsr-3279	268	4	to	to	PART
fsr-3279	268	5	asset	asset	NOUN
fsr-3279	268	6	ratio	ratio	NOUN
fsr-3279	268	7	regression	regression	NOUN
fsr-3279	268	8	,	,	PUNCT
fsr-3279	268	9	both	both	CCONJ
fsr-3279	268	10	the	the	DET
fsr-3279	268	11	ratio	ratio	NOUN
fsr-3279	268	12	and	and	CCONJ
fsr-3279	268	13	its	its	PRON
fsr-3279	268	14	square	square	NOUN
fsr-3279	268	15	have	have	VERB
fsr-3279	268	16	significant	significant	ADJ
fsr-3279	268	17	effects	effect	NOUN
fsr-3279	268	18	,	,	PUNCT
fsr-3279	268	19	and	and	CCONJ
fsr-3279	268	20	the	the	DET
fsr-3279	268	21	combined	combined	ADJ
fsr-3279	268	22	effect	effect	NOUN
fsr-3279	268	23	implies	imply	VERB
fsr-3279	268	24	that	that	SCONJ
fsr-3279	268	25	perceived	perceive	VERB
fsr-3279	268	26	retirement	retirement	NOUN
fsr-3279	268	27	adequacy	adequacy	NOUN
fsr-3279	268	28	is	be	AUX
fsr-3279	268	29	maximized	maximize	VERB
fsr-3279	268	30	at	at	ADP
fsr-3279	268	31	a	a	DET
fsr-3279	268	32	level	level	NOUN
fsr-3279	268	33	of	of	ADP
fsr-3279	268	34	the	the	DET
fsr-3279	268	35	ratio	ratio	NOUN
fsr-3279	268	36	of	of	ADP
fsr-3279	268	37	0.5	0.5	NUM
fsr-3279	268	38	.	.	PUNCT
fsr-3279	269	1	as	as	ADP
fsr-3279	269	2	with	with	ADP
fsr-3279	269	3	the	the	DET
fsr-3279	269	4	regressions	regression	NOUN
fsr-3279	269	5	with	with	ADP
fsr-3279	269	6	interaction	interaction	NOUN
fsr-3279	269	7	terms	term	NOUN
fsr-3279	269	8	between	between	ADP
fsr-3279	269	9	age	age	NOUN
fsr-3279	269	10	and	and	CCONJ
fsr-3279	269	11	ratio	ratio	NOUN
fsr-3279	269	12	and	and	CCONJ
fsr-3279	269	13	ratio	ratio	NOUN
fsr-3279	269	14	squared	square	VERB
fsr-3279	269	15	(	(	PUNCT
fsr-3279	269	16	table	table	NOUN
fsr-3279	269	17	4	4	NUM
fsr-3279	269	18	)	)	PUNCT
fsr-3279	269	19	,	,	PUNCT
fsr-3279	269	20	the	the	DET
fsr-3279	269	21	adjusted	adjust	VERB
fsr-3279	269	22	r2	r2	NOUN
fsr-3279	269	23	is	be	AUX
fsr-3279	269	24	highest	high	ADJ
fsr-3279	269	25	for	for	ADP
fsr-3279	269	26	the	the	DET
fsr-3279	269	27	investments	investment	NOUN
fsr-3279	269	28	to	to	ADP
fsr-3279	269	29	assets	asset	NOUN
fsr-3279	269	30	ratio	ratio	NOUN
fsr-3279	269	31	regression	regression	NOUN
fsr-3279	269	32	,	,	PUNCT
fsr-3279	269	33	and	and	CCONJ
fsr-3279	269	34	lowest	low	ADJ
fsr-3279	269	35	for	for	SCONJ
fsr-3279	269	36	the	the	DET
fsr-3279	269	37	investments	investment	NOUN
fsr-3279	269	38	to	to	PART
fsr-3279	269	39	net	net	VERB
fsr-3279	269	40	worth	worth	ADJ
fsr-3279	269	41	ratio	ratio	NOUN
fsr-3279	269	42	regression	regression	NOUN
fsr-3279	269	43	.	.	PUNCT
fsr-3279	270	1	references	reference	NOUN
fsr-3279	270	2	bricker	bricker	NOUN
fsr-3279	270	3	,	,	PUNCT
fsr-3279	270	4	j.	j.	PROPN
fsr-3279	270	5	,	,	PUNCT
fsr-3279	270	6	dettling	dettling	NOUN
fsr-3279	270	7	,	,	PUNCT
fsr-3279	270	8	l.	l.	PROPN
fsr-3279	270	9	j.	j.	PROPN
fsr-3279	270	10	,	,	PUNCT
fsr-3279	270	11	henriques	henrique	NOUN
fsr-3279	270	12	,	,	PUNCT
fsr-3279	270	13	a.	a.	NOUN
fsr-3279	270	14	,	,	PUNCT
fsr-3279	270	15	hsu	hsu	PROPN
fsr-3279	270	16	,	,	PUNCT
fsr-3279	270	17	j.	j.	PROPN
fsr-3279	270	18	w.	w.	PROPN
fsr-3279	270	19	,	,	PUNCT
fsr-3279	270	20	moore	moore	PROPN
fsr-3279	270	21	,	,	PUNCT
fsr-3279	270	22	k.	k.	PROPN
fsr-3279	270	23	b.	b.	PROPN
fsr-3279	270	24	,	,	PUNCT
fsr-3279	270	25	sabelhaus	sabelhaus	PROPN
fsr-3279	270	26	,	,	PUNCT
fsr-3279	270	27	j.	j.	PROPN
fsr-3279	270	28	,	,	PUNCT
fsr-3279	270	29	et	et	PROPN
fsr-3279	270	30	al	al	PROPN
fsr-3279	270	31	.	.	PUNCT
fsr-3279	270	32	(	(	PUNCT
fsr-3279	270	33	2014	2014	NUM
fsr-3279	270	34	)	)	PUNCT
fsr-3279	270	35	.	.	PUNCT
fsr-3279	271	1	changes	change	NOUN
fsr-3279	271	2	in	in	ADP
fsr-3279	271	3	u.s	u.s	PROPN
fsr-3279	271	4	.	.	PROPN
fsr-3279	271	5	family	family	NOUN
fsr-3279	271	6	finances	finance	NOUN
fsr-3279	271	7	from	from	ADP
fsr-3279	271	8	2010	2010	NUM
fsr-3279	271	9	to	to	ADP
fsr-3279	271	10	2013	2013	NUM
fsr-3279	271	11	:	:	PUNCT
fsr-3279	271	12	evidence	evidence	NOUN
fsr-3279	271	13	from	from	ADP
fsr-3279	271	14	the	the	DET
fsr-3279	271	15	survey	survey	NOUN
fsr-3279	271	16	of	of	ADP
fsr-3279	271	17	consumer	consumer	NOUN
fsr-3279	271	18	finances	finance	NOUN
fsr-3279	271	19	.	.	PUNCT
fsr-3279	272	1	federal	federal	PROPN
fsr-3279	272	2	reserve	reserve	PROPN
fsr-3279	272	3	bulletin	bulletin	PROPN
fsr-3279	272	4	,	,	PUNCT
fsr-3279	272	5	100	100	NUM
fsr-3279	272	6	,	,	PUNCT
fsr-3279	272	7	1–40	1–40	PROPN
fsr-3279	272	8	.	.	PUNCT
fsr-3279	273	1	cheung	cheung	PROPN
fsr-3279	273	2	,	,	PUNCT
fsr-3279	273	3	c.	c.	PROPN
fsr-3279	273	4	s.	s.	PROPN
fsr-3279	273	5	,	,	PUNCT
fsr-3279	273	6	&	&	CCONJ
fsr-3279	273	7	miu	miu	PROPN
fsr-3279	273	8	,	,	PUNCT
fsr-3279	273	9	p.	p.	NOUN
fsr-3279	273	10	(	(	PUNCT
fsr-3279	273	11	2015	2015	NUM
fsr-3279	273	12	)	)	PUNCT
fsr-3279	273	13	.	.	PUNCT
fsr-3279	274	1	home	home	NOUN
fsr-3279	274	2	ownership	ownership	NOUN
fsr-3279	274	3	decision	decision	NOUN
fsr-3279	274	4	in	in	ADP
fsr-3279	274	5	personal	personal	ADJ
fsr-3279	274	6	finance	finance	NOUN
fsr-3279	274	7	:	:	PUNCT
fsr-3279	274	8	some	some	DET
fsr-3279	274	9	empirical	empirical	ADJ
fsr-3279	274	10	evidence	evidence	NOUN
fsr-3279	274	11	.	.	PUNCT
fsr-3279	275	1	financial	financial	ADJ
fsr-3279	275	2	services	service	NOUN
fsr-3279	275	3	review	review	PROPN
fsr-3279	275	4	,	,	PUNCT
fsr-3279	275	5	24	24	NUM
fsr-3279	275	6	,	,	PUNCT
fsr-3279	275	7	51–76	51–76	NUM
fsr-3279	275	8	.	.	PUNCT
fsr-3279	276	1	dalton	dalton	PROPN
fsr-3279	276	2	,	,	PUNCT
fsr-3279	276	3	m.	m.	NOUN
fsr-3279	276	4	a.	a.	PROPN
fsr-3279	276	5	,	,	PUNCT
fsr-3279	276	6	dalton	dalton	PROPN
fsr-3279	276	7	,	,	PUNCT
fsr-3279	276	8	j.	j.	PROPN
fsr-3279	276	9	f.	f.	PROPN
fsr-3279	276	10	,	,	PUNCT
fsr-3279	276	11	cangelosi	cangelosi	PROPN
fsr-3279	276	12	,	,	PUNCT
fsr-3279	276	13	r.	r.	PROPN
fsr-3279	276	14	r.	r.	PROPN
fsr-3279	276	15	,	,	PUNCT
fsr-3279	276	16	guttery	guttery	PROPN
fsr-3279	276	17	,	,	PUNCT
fsr-3279	276	18	r.	r.	PROPN
fsr-3279	276	19	s.	s.	PROPN
fsr-3279	276	20	,	,	PUNCT
fsr-3279	276	21	&	&	CCONJ
fsr-3279	276	22	wasserman	wasserman	PROPN
fsr-3279	276	23	,	,	PUNCT
fsr-3279	276	24	s.	s.	PROPN
fsr-3279	276	25	a.	a.	PROPN
fsr-3279	276	26	(	(	PUNCT
fsr-3279	276	27	2005	2005	NUM
fsr-3279	276	28	)	)	PUNCT
fsr-3279	276	29	.	.	PUNCT
fsr-3279	277	1	personal	personal	ADJ
fsr-3279	277	2	financial	financial	ADJ
fsr-3279	277	3	planning	planning	NOUN
fsr-3279	277	4	theory	theory	NOUN
fsr-3279	277	5	and	and	CCONJ
fsr-3279	277	6	practice	practice	NOUN
fsr-3279	277	7	.	.	PUNCT
fsr-3279	278	1	le	le	PROPN
fsr-3279	278	2	crosse	crosse	PROPN
fsr-3279	278	3	,	,	PUNCT
fsr-3279	278	4	wi	wi	PROPN
fsr-3279	278	5	:	:	PUNCT
fsr-3279	278	6	kaplan	kaplan	PROPN
fsr-3279	278	7	financial	financial	PROPN
fsr-3279	278	8	.	.	PUNCT
fsr-3279	279	1	dalton	dalton	PROPN
fsr-3279	279	2	,	,	PUNCT
fsr-3279	279	3	m.	m.	NOUN
fsr-3279	279	4	a.	a.	PROPN
fsr-3279	279	5	,	,	PUNCT
fsr-3279	279	6	dalton	dalton	PROPN
fsr-3279	279	7	,	,	PUNCT
fsr-3279	279	8	j.	j.	PROPN
fsr-3279	279	9	f.	f.	PROPN
fsr-3279	279	10	,	,	PUNCT
fsr-3279	279	11	&	&	CCONJ
fsr-3279	279	12	oakley	oakley	PROPN
fsr-3279	279	13	,	,	PUNCT
fsr-3279	279	14	k.	k.	PROPN
fsr-3279	279	15	f.	f.	PROPN
fsr-3279	279	16	(	(	PUNCT
fsr-3279	279	17	2014	2014	NUM
fsr-3279	279	18	)	)	PUNCT
fsr-3279	279	19	.	.	PUNCT
fsr-3279	280	1	cases	case	NOUN
fsr-3279	280	2	in	in	ADP
fsr-3279	280	3	financial	financial	ADJ
fsr-3279	280	4	planning	planning	NOUN
fsr-3279	280	5	:	:	PUNCT
fsr-3279	280	6	analysis	analysis	NOUN
fsr-3279	280	7	and	and	CCONJ
fsr-3279	280	8	presentation	presentation	NOUN
fsr-3279	280	9	(	(	PUNCT
fsr-3279	280	10	2nd	2nd	ADJ
fsr-3279	280	11	ed	ed	NOUN
fsr-3279	280	12	.	.	PUNCT
fsr-3279	280	13	)	)	PUNCT
fsr-3279	280	14	.	.	PUNCT
fsr-3279	281	1	st	st	PROPN
fsr-3279	281	2	.	.	PROPN
fsr-3279	281	3	rose	rise	VERB
fsr-3279	281	4	,	,	PUNCT
fsr-3279	281	5	la	la	ADJ
fsr-3279	281	6	:	:	PUNCT
fsr-3279	281	7	money	money	NOUN
fsr-3279	281	8	education	education	NOUN
fsr-3279	281	9	.	.	PUNCT
fsr-3279	282	1	devaney	devaney	PROPN
fsr-3279	282	2	,	,	PUNCT
fsr-3279	282	3	s.	s.	PROPN
fsr-3279	282	4	a.	a.	PROPN
fsr-3279	282	5	(	(	PUNCT
fsr-3279	282	6	1997	1997	NUM
fsr-3279	282	7	)	)	PUNCT
fsr-3279	282	8	.	.	PUNCT
fsr-3279	283	1	using	use	VERB
fsr-3279	283	2	financial	financial	ADJ
fsr-3279	283	3	ratios	ratio	NOUN
fsr-3279	283	4	.	.	PUNCT
fsr-3279	284	1	in	in	ADP
fsr-3279	284	2	e.	e.	PROPN
fsr-3279	284	3	t.	t.	PROPN
fsr-3279	284	4	garman	garman	PROPN
fsr-3279	284	5	,	,	PUNCT
fsr-3279	284	6	j.	j.	PROPN
fsr-3279	284	7	j.	j.	PROPN
fsr-3279	284	8	xiao	xiao	PROPN
fsr-3279	284	9	,	,	PUNCT
fsr-3279	284	10	&	&	CCONJ
fsr-3279	284	11	b.	b.	PROPN
fsr-3279	284	12	g.	g.	PROPN
fsr-3279	284	13	brunson	brunson	PROPN
fsr-3279	284	14	(	(	PUNCT
fsr-3279	284	15	eds	eds	PROPN
fsr-3279	284	16	.	.	PUNCT
fsr-3279	284	17	)	)	PUNCT
fsr-3279	284	18	,	,	PUNCT
fsr-3279	284	19	the	the	DET
fsr-3279	284	20	mathematics	mathematic	NOUN
fsr-3279	284	21	of	of	ADP
fsr-3279	284	22	personal	personal	ADJ
fsr-3279	284	23	finance	finance	NOUN
fsr-3279	284	24	:	:	PUNCT
fsr-3279	284	25	using	use	VERB
fsr-3279	284	26	calculators	calculator	NOUN
fsr-3279	284	27	and	and	CCONJ
fsr-3279	284	28	computers	computer	NOUN
fsr-3279	284	29	(	(	PUNCT
fsr-3279	284	30	pp	pp	ADV
fsr-3279	284	31	.	.	PUNCT
fsr-3279	285	1	141–153	141–153	NUM
fsr-3279	285	2	)	)	PUNCT
fsr-3279	285	3	.	.	PUNCT
fsr-3279	286	1	houston	houston	PROPN
fsr-3279	286	2	,	,	PUNCT
fsr-3279	286	3	tx	tx	PROPN
fsr-3279	286	4	:	:	PUNCT
fsr-3279	286	5	dame	dame	ADJ
fsr-3279	286	6	publications	publication	NOUN
fsr-3279	286	7	.	.	PUNCT
fsr-3279	287	1	garman	garman	PROPN
fsr-3279	287	2	,	,	PUNCT
fsr-3279	287	3	e.	e.	PROPN
fsr-3279	287	4	t.	t.	PROPN
fsr-3279	287	5	,	,	PUNCT
fsr-3279	287	6	&	&	CCONJ
fsr-3279	287	7	forgue	forgue	PROPN
fsr-3279	287	8	,	,	PUNCT
fsr-3279	287	9	r.	r.	PROPN
fsr-3279	287	10	(	(	PUNCT
fsr-3279	287	11	2012	2012	NUM
fsr-3279	287	12	)	)	PUNCT
fsr-3279	287	13	.	.	PUNCT
fsr-3279	288	1	personal	personal	ADJ
fsr-3279	288	2	finance	finance	NOUN
fsr-3279	288	3	(	(	PUNCT
fsr-3279	288	4	11th	11th	ADJ
fsr-3279	288	5	ed	ed	NOUN
fsr-3279	288	6	.	.	PUNCT
fsr-3279	288	7	)	)	PUNCT
fsr-3279	288	8	.	.	PUNCT
fsr-3279	289	1	mason	mason	PROPN
fsr-3279	289	2	,	,	PUNCT
fsr-3279	289	3	oh	oh	INTJ
fsr-3279	289	4	:	:	PUNCT
fsr-3279	289	5	south	south	ADJ
fsr-3279	289	6	-	-	PUNCT
fsr-3279	289	7	western	western	ADJ
fsr-3279	289	8	.	.	PUNCT
fsr-3279	289	9	garman	garman	PROPN
fsr-3279	289	10	,	,	PUNCT
fsr-3279	289	11	e.	e.	PROPN
fsr-3279	289	12	t.	t.	PROPN
fsr-3279	289	13	,	,	PUNCT
fsr-3279	289	14	&	&	CCONJ
fsr-3279	289	15	forgue	forgue	PROPN
fsr-3279	289	16	,	,	PUNCT
fsr-3279	289	17	r.	r.	PROPN
fsr-3279	289	18	(	(	PUNCT
fsr-3279	289	19	2003	2003	NUM
fsr-3279	289	20	)	)	PUNCT
fsr-3279	289	21	.	.	PUNCT
fsr-3279	290	1	personal	personal	ADJ
fsr-3279	290	2	finance	finance	NOUN
fsr-3279	290	3	(	(	PUNCT
fsr-3279	290	4	7th	7th	ADJ
fsr-3279	290	5	ed	ed	NOUN
fsr-3279	290	6	.	.	PUNCT
fsr-3279	290	7	)	)	PUNCT
fsr-3279	290	8	.	.	PUNCT
fsr-3279	291	1	boston	boston	PROPN
fsr-3279	291	2	,	,	PUNCT
fsr-3279	291	3	ma	ma	PROPN
fsr-3279	291	4	:	:	PUNCT
fsr-3279	291	5	houghton	houghton	PROPN
fsr-3279	291	6	mifflin	mifflin	PROPN
fsr-3279	291	7	company	company	PROPN
fsr-3279	291	8	.	.	PUNCT
fsr-3279	292	1	greninger	greninger	NOUN
fsr-3279	292	2	,	,	PUNCT
fsr-3279	292	3	s.	s.	PROPN
fsr-3279	292	4	a.	a.	PROPN
fsr-3279	292	5	,	,	PUNCT
fsr-3279	292	6	hampton	hampton	PROPN
fsr-3279	292	7	,	,	PUNCT
fsr-3279	292	8	v.	v.	PROPN
fsr-3279	292	9	l.	l.	PROPN
fsr-3279	292	10	,	,	PUNCT
fsr-3279	292	11	kitt	kitt	PROPN
fsr-3279	292	12	,	,	PUNCT
fsr-3279	292	13	k.	k.	PROPN
fsr-3279	292	14	a.	a.	PROPN
fsr-3279	292	15	,	,	PUNCT
fsr-3279	292	16	&	&	CCONJ
fsr-3279	292	17	achacoso	achacoso	PROPN
fsr-3279	292	18	,	,	PUNCT
fsr-3279	292	19	j.	j.	PROPN
fsr-3279	292	20	a.	a.	PROPN
fsr-3279	292	21	(	(	PUNCT
fsr-3279	292	22	1996	1996	NUM
fsr-3279	292	23	)	)	PUNCT
fsr-3279	292	24	.	.	PUNCT
fsr-3279	293	1	ratios	ratio	NOUN
fsr-3279	293	2	and	and	CCONJ
fsr-3279	293	3	benchmarks	benchmark	NOUN
fsr-3279	293	4	for	for	ADP
fsr-3279	293	5	measuring	measure	VERB
fsr-3279	293	6	the	the	DET
fsr-3279	293	7	financial	financial	ADJ
fsr-3279	293	8	well	well	NOUN
fsr-3279	293	9	-	-	PUNCT
fsr-3279	293	10	being	being	NOUN
fsr-3279	293	11	of	of	ADP
fsr-3279	293	12	families	family	NOUN
fsr-3279	293	13	and	and	CCONJ
fsr-3279	293	14	individuals	individual	NOUN
fsr-3279	293	15	.	.	PUNCT
fsr-3279	294	1	financial	financial	ADJ
fsr-3279	294	2	services	service	NOUN
fsr-3279	294	3	review	review	PROPN
fsr-3279	294	4	,	,	PUNCT
fsr-3279	294	5	5	5	NUM
fsr-3279	294	6	,	,	PUNCT
fsr-3279	294	7	57–70	57–70	NUM
fsr-3279	294	8	.	.	PUNCT
fsr-3279	295	1	greninger	greninger	NOUN
fsr-3279	295	2	,	,	PUNCT
fsr-3279	295	3	s.	s.	PROPN
fsr-3279	295	4	a.	a.	PROPN
fsr-3279	295	5	,	,	PUNCT
fsr-3279	295	6	hampton	hampton	PROPN
fsr-3279	295	7	,	,	PUNCT
fsr-3279	295	8	v.	v.	PROPN
fsr-3279	295	9	l.	l.	PROPN
fsr-3279	295	10	,	,	PUNCT
fsr-3279	295	11	kitt	kitt	PROPN
fsr-3279	295	12	,	,	PUNCT
fsr-3279	295	13	k.	k.	PROPN
fsr-3279	295	14	a.	a.	PROPN
fsr-3279	295	15	,	,	PUNCT
fsr-3279	295	16	&	&	CCONJ
fsr-3279	295	17	achacoso	achacoso	PROPN
fsr-3279	295	18	,	,	PUNCT
fsr-3279	295	19	j.	j.	PROPN
fsr-3279	295	20	a.	a.	PROPN
fsr-3279	295	21	(	(	PUNCT
fsr-3279	295	22	2000	2000	NUM
fsr-3279	295	23	)	)	PUNCT
fsr-3279	295	24	.	.	PUNCT
fsr-3279	296	1	retirement	retirement	NOUN
fsr-3279	296	2	planning	planning	NOUN
fsr-3279	296	3	guidelines	guideline	NOUN
fsr-3279	296	4	:	:	PUNCT
fsr-3279	296	5	a	a	DET
fsr-3279	296	6	delphi	delphi	ADJ
fsr-3279	296	7	study	study	NOUN
fsr-3279	296	8	of	of	ADP
fsr-3279	296	9	financial	financial	ADJ
fsr-3279	296	10	planners	planner	NOUN
fsr-3279	296	11	and	and	CCONJ
fsr-3279	296	12	educators	educator	NOUN
fsr-3279	296	13	.	.	PUNCT
fsr-3279	297	1	financial	financial	ADJ
fsr-3279	297	2	services	service	NOUN
fsr-3279	297	3	review	review	NOUN
fsr-3279	297	4	,	,	PUNCT
fsr-3279	297	5	9	9	NUM
fsr-3279	297	6	,	,	PUNCT
fsr-3279	297	7	231–245	231–245	NUM
fsr-3279	297	8	.	.	PUNCT
fsr-3279	298	1	hanna	hanna	PROPN
fsr-3279	298	2	,	,	PUNCT
fsr-3279	298	3	s.	s.	PROPN
fsr-3279	298	4	,	,	PUNCT
fsr-3279	298	5	fan	fan	PROPN
fsr-3279	298	6	,	,	PUNCT
fsr-3279	298	7	j.	j.	PROPN
fsr-3279	298	8	x.	x.	PROPN
fsr-3279	298	9	,	,	PUNCT
fsr-3279	298	10	&	&	CCONJ
fsr-3279	298	11	chang	chang	PROPN
fsr-3279	298	12	,	,	PUNCT
fsr-3279	298	13	y.	y.	PROPN
fsr-3279	298	14	r.	r.	PROPN
fsr-3279	298	15	(	(	PUNCT
fsr-3279	298	16	1995	1995	NUM
fsr-3279	298	17	)	)	PUNCT
fsr-3279	298	18	.	.	PUNCT
fsr-3279	299	1	optimal	optimal	ADJ
fsr-3279	299	2	life	life	NOUN
fsr-3279	299	3	cycle	cycle	NOUN
fsr-3279	299	4	savings	saving	NOUN
fsr-3279	299	5	.	.	PUNCT
fsr-3279	300	1	financial	financial	ADJ
fsr-3279	300	2	counseling	counseling	NOUN
fsr-3279	300	3	and	and	CCONJ
fsr-3279	300	4	planning	planning	NOUN
fsr-3279	300	5	,	,	PUNCT
fsr-3279	300	6	6	6	NUM
fsr-3279	300	7	,	,	PUNCT
fsr-3279	300	8	1–15	1–15	NUM
fsr-3279	300	9	.	.	PUNCT
fsr-3279	300	10	hanna	hanna	PROPN
fsr-3279	300	11	,	,	PUNCT
fsr-3279	300	12	s.	s.	PROPN
fsr-3279	300	13	d.	d.	PROPN
fsr-3279	300	14	,	,	PUNCT
fsr-3279	300	15	kim	kim	PROPN
fsr-3279	300	16	,	,	PUNCT
fsr-3279	300	17	k.	k.	PROPN
fsr-3279	300	18	,	,	PUNCT
fsr-3279	300	19	&	&	CCONJ
fsr-3279	300	20	chen	chen	PROPN
fsr-3279	300	21	,	,	PUNCT
fsr-3279	300	22	s.	s.	PROPN
fsr-3279	300	23	c.-c	c.-c	PROPN
fsr-3279	300	24	.	.	PUNCT
fsr-3279	301	1	(	(	PUNCT
fsr-3279	301	2	2016	2016	NUM
fsr-3279	301	3	)	)	PUNCT
fsr-3279	301	4	.	.	PUNCT
fsr-3279	302	1	retirement	retirement	NOUN
fsr-3279	302	2	savings	saving	NOUN
fsr-3279	302	3	.	.	PUNCT
fsr-3279	303	1	in	in	ADP
fsr-3279	303	2	j.	j.	PROPN
fsr-3279	303	3	xiao	xiao	PROPN
fsr-3279	303	4	(	(	PUNCT
fsr-3279	303	5	ed	ed	NOUN
fsr-3279	303	6	.	.	PUNCT
fsr-3279	303	7	)	)	PUNCT
fsr-3279	303	8	,	,	PUNCT
fsr-3279	303	9	handbook	handbook	NOUN
fsr-3279	303	10	of	of	ADP
fsr-3279	303	11	consumer	consumer	NOUN
fsr-3279	303	12	finance	finance	NOUN
fsr-3279	303	13	research	research	NOUN
fsr-3279	303	14	(	(	PUNCT
fsr-3279	303	15	2nd	2nd	ADJ
fsr-3279	303	16	ed	ed	NOUN
fsr-3279	303	17	.	.	PROPN
fsr-3279	303	18	,	,	PUNCT
fsr-3279	303	19	pp	pp	ADJ
fsr-3279	303	20	.	.	PUNCT
fsr-3279	303	21	33–43	33–43	NUM
fsr-3279	303	22	)	)	PUNCT
fsr-3279	303	23	.	.	PUNCT
fsr-3279	304	1	new	new	PROPN
fsr-3279	304	2	york	york	PROPN
fsr-3279	304	3	,	,	PUNCT
fsr-3279	304	4	ny	ny	PROPN
fsr-3279	304	5	:	:	PUNCT
fsr-3279	304	6	springer	springer	NOUN
fsr-3279	304	7	publishing	publishing	NOUN
fsr-3279	304	8	.	.	PUNCT
fsr-3279	305	1	harness	harness	PROPN
fsr-3279	305	2	,	,	PUNCT
fsr-3279	305	3	n.	n.	PROPN
fsr-3279	305	4	j.	j.	PROPN
fsr-3279	305	5	,	,	PUNCT
fsr-3279	305	6	chatterjee	chatterjee	PROPN
fsr-3279	305	7	,	,	PUNCT
fsr-3279	305	8	s.	s.	PROPN
fsr-3279	305	9	,	,	PUNCT
fsr-3279	305	10	&	&	CCONJ
fsr-3279	305	11	finke	finke	PROPN
fsr-3279	305	12	,	,	PUNCT
fsr-3279	305	13	m.	m.	NOUN
fsr-3279	305	14	(	(	PUNCT
fsr-3279	305	15	2008	2008	NUM
fsr-3279	305	16	)	)	PUNCT
fsr-3279	305	17	.	.	PUNCT
fsr-3279	306	1	household	household	NOUN
fsr-3279	306	2	financial	financial	ADJ
fsr-3279	306	3	ratios	ratio	NOUN
fsr-3279	306	4	:	:	PUNCT
fsr-3279	306	5	a	a	DET
fsr-3279	306	6	review	review	NOUN
fsr-3279	306	7	of	of	ADP
fsr-3279	306	8	literature	literature	NOUN
fsr-3279	306	9	.	.	PUNCT
fsr-3279	307	1	journal	journal	PROPN
fsr-3279	307	2	of	of	ADP
fsr-3279	307	3	personal	personal	ADJ
fsr-3279	307	4	finance	finance	NOUN
fsr-3279	307	5	,	,	PUNCT
fsr-3279	307	6	6	6	NUM
fsr-3279	307	7	,	,	PUNCT
fsr-3279	307	8	77–97	77–97	NUM
fsr-3279	307	9	.	.	PUNCT
fsr-3279	308	1	harness	harness	PROPN
fsr-3279	308	2	,	,	PUNCT
fsr-3279	308	3	n.	n.	PROPN
fsr-3279	308	4	j.	j.	PROPN
fsr-3279	308	5	,	,	PUNCT
fsr-3279	308	6	finke	finke	PROPN
fsr-3279	308	7	,	,	PUNCT
fsr-3279	308	8	m.	m.	NOUN
fsr-3279	308	9	s.	s.	PROPN
fsr-3279	308	10	,	,	PUNCT
fsr-3279	308	11	&	&	CCONJ
fsr-3279	308	12	chatterjee	chatterjee	PROPN
fsr-3279	308	13	,	,	PUNCT
fsr-3279	308	14	s.	s.	PROPN
fsr-3279	308	15	(	(	PUNCT
fsr-3279	308	16	2009	2009	NUM
fsr-3279	308	17	)	)	PUNCT
fsr-3279	308	18	.	.	PUNCT
fsr-3279	309	1	the	the	DET
fsr-3279	309	2	effects	effect	NOUN
fsr-3279	309	3	of	of	ADP
fsr-3279	309	4	the	the	DET
fsr-3279	309	5	capital	capital	NOUN
fsr-3279	309	6	accumulation	accumulation	NOUN
fsr-3279	309	7	ratio	ratio	NOUN
fsr-3279	309	8	on	on	ADP
fsr-3279	309	9	wealth	wealth	NOUN
fsr-3279	309	10	.	.	PUNCT
fsr-3279	310	1	journal	journal	PROPN
fsr-3279	310	2	of	of	ADP
fsr-3279	310	3	financial	financial	ADJ
fsr-3279	310	4	counseling	counseling	NOUN
fsr-3279	310	5	and	and	CCONJ
fsr-3279	310	6	planning	planning	NOUN
fsr-3279	310	7	,	,	PUNCT
fsr-3279	310	8	20	20	NUM
fsr-3279	310	9	,	,	PUNCT
fsr-3279	310	10	44–57	44–57	NUM
fsr-3279	310	11	.	.	PUNCT
fsr-3279	311	1	ibbotson	ibbotson	PROPN
fsr-3279	311	2	associates	associates	PROPN
fsr-3279	311	3	.	.	PUNCT
fsr-3279	312	1	(	(	PUNCT
fsr-3279	312	2	2008	2008	NUM
fsr-3279	312	3	)	)	PUNCT
fsr-3279	312	4	.	.	PUNCT
fsr-3279	313	1	stocks	stock	NOUN
fsr-3279	313	2	,	,	PUNCT
fsr-3279	313	3	bonds	bond	NOUN
fsr-3279	313	4	,	,	PUNCT
fsr-3279	313	5	bills	bill	NOUN
fsr-3279	313	6	,	,	PUNCT
fsr-3279	313	7	and	and	CCONJ
fsr-3279	313	8	inflation	inflation	NOUN
fsr-3279	313	9	yearbook	yearbook	NOUN
fsr-3279	313	10	.	.	PUNCT
fsr-3279	314	1	chicago	chicago	PROPN
fsr-3279	314	2	,	,	PUNCT
fsr-3279	314	3	il	il	PROPN
fsr-3279	314	4	:	:	PUNCT
fsr-3279	314	5	ibbotson	ibbotson	PROPN
fsr-3279	314	6	associates	associates	PROPN
fsr-3279	314	7	.	.	PUNCT
fsr-3279	315	1	kim	kim	PROPN
fsr-3279	315	2	,	,	PUNCT
fsr-3279	315	3	k.	k.	PROPN
fsr-3279	315	4	,	,	PUNCT
fsr-3279	315	5	&	&	CCONJ
fsr-3279	315	6	hanna	hanna	PROPN
fsr-3279	315	7	,	,	PUNCT
fsr-3279	315	8	s.	s.	PROPN
fsr-3279	315	9	d.	d.	PROPN
fsr-3279	315	10	(	(	PUNCT
fsr-3279	315	11	2015	2015	NUM
fsr-3279	315	12	)	)	PUNCT
fsr-3279	315	13	.	.	PUNCT
fsr-3279	316	1	do	do	AUX
fsr-3279	316	2	u.s	u.s	PROPN
fsr-3279	316	3	.	.	PROPN
fsr-3279	316	4	households	household	NOUN
fsr-3279	316	5	perceive	perceive	VERB
fsr-3279	316	6	their	their	PRON
fsr-3279	316	7	retirement	retirement	NOUN
fsr-3279	316	8	preparedness	preparedness	NOUN
fsr-3279	316	9	realistically	realistically	ADV
fsr-3279	316	10	?	?	PUNCT
fsr-3279	317	1	financial	financial	ADJ
fsr-3279	317	2	services	service	NOUN
fsr-3279	317	3	review	review	NOUN
fsr-3279	317	4	,	,	PUNCT
fsr-3279	317	5	24	24	NUM
fsr-3279	317	6	,	,	PUNCT
fsr-3279	317	7	139–155	139–155	NUM
fsr-3279	317	8	.	.	PUNCT
fsr-3279	318	1	kim	kim	PROPN
fsr-3279	318	2	,	,	PUNCT
fsr-3279	318	3	k.	k.	PROPN
fsr-3279	318	4	,	,	PUNCT
fsr-3279	318	5	hanna	hanna	PROPN
fsr-3279	318	6	,	,	PUNCT
fsr-3279	318	7	s.	s.	PROPN
fsr-3279	318	8	d.	d.	PROPN
fsr-3279	318	9	,	,	PUNCT
fsr-3279	318	10	&	&	CCONJ
fsr-3279	318	11	chen	chen	PROPN
fsr-3279	318	12	,	,	PUNCT
fsr-3279	318	13	s.	s.	PROPN
fsr-3279	318	14	c.-c	c.-c	PROPN
fsr-3279	318	15	.	.	PUNCT
fsr-3279	319	1	(	(	PUNCT
fsr-3279	319	2	2014	2014	NUM
fsr-3279	319	3	)	)	PUNCT
fsr-3279	319	4	.	.	PUNCT
fsr-3279	320	1	consideration	consideration	NOUN
fsr-3279	320	2	of	of	ADP
fsr-3279	320	3	retirement	retirement	NOUN
fsr-3279	320	4	income	income	NOUN
fsr-3279	320	5	stages	stage	NOUN
fsr-3279	320	6	in	in	ADP
fsr-3279	320	7	planning	plan	VERB
fsr-3279	320	8	for	for	ADP
fsr-3279	320	9	retirement	retirement	NOUN
fsr-3279	320	10	.	.	PUNCT
fsr-3279	321	1	journal	journal	PROPN
fsr-3279	321	2	of	of	ADP
fsr-3279	321	3	personal	personal	ADJ
fsr-3279	321	4	finance	finance	NOUN
fsr-3279	321	5	,	,	PUNCT
fsr-3279	321	6	13	13	NUM
fsr-3279	321	7	,	,	PUNCT
fsr-3279	321	8	52–64	52–64	NUM
fsr-3279	321	9	.	.	PUNCT
fsr-3279	322	1	lindamood	lindamood	PROPN
fsr-3279	322	2	,	,	PUNCT
fsr-3279	322	3	s.	s.	PROPN
fsr-3279	322	4	,	,	PUNCT
fsr-3279	322	5	hanna	hanna	PROPN
fsr-3279	322	6	,	,	PUNCT
fsr-3279	322	7	s.	s.	PROPN
fsr-3279	322	8	d.	d.	PROPN
fsr-3279	322	9	,	,	PUNCT
fsr-3279	322	10	&	&	CCONJ
fsr-3279	322	11	bi	bi	PROPN
fsr-3279	322	12	,	,	PUNCT
fsr-3279	322	13	l.	l.	PROPN
fsr-3279	322	14	(	(	PUNCT
fsr-3279	322	15	2007	2007	NUM
fsr-3279	322	16	)	)	PUNCT
fsr-3279	322	17	.	.	PUNCT
fsr-3279	323	1	using	use	VERB
fsr-3279	323	2	the	the	DET
fsr-3279	323	3	survey	survey	NOUN
fsr-3279	323	4	of	of	ADP
fsr-3279	323	5	consumer	consumer	NOUN
fsr-3279	323	6	finances	finance	NOUN
fsr-3279	323	7	:	:	PUNCT
fsr-3279	323	8	some	some	DET
fsr-3279	323	9	methodological	methodological	ADJ
fsr-3279	323	10	considerations	consideration	NOUN
fsr-3279	323	11	and	and	CCONJ
fsr-3279	323	12	issues	issue	NOUN
fsr-3279	323	13	.	.	PUNCT
fsr-3279	324	1	journal	journal	NOUN
fsr-3279	324	2	of	of	ADP
fsr-3279	324	3	consumer	consumer	NOUN
fsr-3279	324	4	affairs	affair	NOUN
fsr-3279	324	5	,	,	PUNCT
fsr-3279	324	6	41	41	NUM
fsr-3279	324	7	,	,	PUNCT
fsr-3279	324	8	195–222	195–222	NUM
fsr-3279	324	9	.	.	PUNCT
fsr-3279	325	1	letkiewicz	letkiewicz	PROPN
fsr-3279	325	2	,	,	PUNCT
fsr-3279	325	3	j.	j.	PROPN
fsr-3279	325	4	,	,	PUNCT
fsr-3279	325	5	&	&	CCONJ
fsr-3279	325	6	hanna	hanna	PROPN
fsr-3279	325	7	,	,	PUNCT
fsr-3279	325	8	s.	s.	PROPN
fsr-3279	325	9	d.	d.	PROPN
fsr-3279	325	10	(	(	PUNCT
fsr-3279	325	11	2013	2013	NUM
fsr-3279	325	12	)	)	PUNCT
fsr-3279	325	13	.	.	PUNCT
fsr-3279	326	1	the	the	DET
fsr-3279	326	2	impact	impact	NOUN
fsr-3279	326	3	of	of	ADP
fsr-3279	326	4	stock	stock	NOUN
fsr-3279	326	5	and	and	CCONJ
fsr-3279	326	6	real	real	ADJ
fsr-3279	326	7	estate	estate	NOUN
fsr-3279	326	8	returns	return	NOUN
fsr-3279	326	9	on	on	ADP
fsr-3279	326	10	the	the	DET
fsr-3279	326	11	propensity	propensity	NOUN
fsr-3279	326	12	of	of	ADP
fsr-3279	326	13	households	household	NOUN
fsr-3279	326	14	to	to	PART
fsr-3279	326	15	meet	meet	VERB
fsr-3279	326	16	the	the	DET
fsr-3279	326	17	capital	capital	NOUN
fsr-3279	326	18	accumulation	accumulation	NOUN
fsr-3279	326	19	ratio	ratio	NOUN
fsr-3279	326	20	guideline	guideline	NOUN
fsr-3279	326	21	.	.	PUNCT
fsr-3279	327	1	journal	journal	NOUN
fsr-3279	327	2	of	of	ADP
fsr-3279	327	3	financial	financial	ADJ
fsr-3279	327	4	counseling	counseling	NOUN
fsr-3279	327	5	and	and	CCONJ
fsr-3279	327	6	planning	planning	NOUN
fsr-3279	327	7	,	,	PUNCT
fsr-3279	327	8	24	24	NUM
fsr-3279	327	9	,	,	PUNCT
fsr-3279	327	10	34–44	34–44	NUM
fsr-3279	327	11	.	.	NOUN
fsr-3279	327	12	276	276	NUM
fsr-3279	327	13	s.d	s.d	PROPN
fsr-3279	327	14	.	.	PROPN
fsr-3279	327	15	hanna	hanna	PROPN
fsr-3279	327	16	,	,	PUNCT
fsr-3279	327	17	k.t	k.t	PROPN
fsr-3279	327	18	.	.	PROPN
fsr-3279	327	19	kim	kim	PROPN
fsr-3279	327	20	/	/	SYM
fsr-3279	327	21	financial	financial	ADJ
fsr-3279	327	22	services	service	NOUN
fsr-3279	327	23	review	review	VERB
fsr-3279	327	24	25	25	NUM
fsr-3279	327	25	(	(	PUNCT
fsr-3279	327	26	2016	2016	NUM
fsr-3279	327	27	)	)	PUNCT
fsr-3279	327	28	263–277	263–277	NUM
fsr-3279	327	29	lytton	lytton	PROPN
fsr-3279	327	30	,	,	PUNCT
fsr-3279	327	31	r.	r.	PROPN
fsr-3279	327	32	h.	h.	PROPN
fsr-3279	327	33	,	,	PUNCT
fsr-3279	327	34	garman	garman	PROPN
fsr-3279	327	35	,	,	PUNCT
fsr-3279	327	36	e.	e.	PROPN
fsr-3279	327	37	t.	t.	PROPN
fsr-3279	327	38	,	,	PUNCT
fsr-3279	327	39	&	&	CCONJ
fsr-3279	327	40	porter	porter	NOUN
fsr-3279	327	41	,	,	PUNCT
fsr-3279	327	42	n.	n.	NOUN
fsr-3279	327	43	m.	m.	NOUN
fsr-3279	327	44	(	(	PUNCT
fsr-3279	327	45	1991	1991	NUM
fsr-3279	327	46	)	)	PUNCT
fsr-3279	327	47	.	.	PUNCT
fsr-3279	328	1	how	how	SCONJ
fsr-3279	328	2	to	to	PART
fsr-3279	328	3	use	use	VERB
fsr-3279	328	4	financial	financial	ADJ
fsr-3279	328	5	ratios	ratio	NOUN
fsr-3279	328	6	when	when	SCONJ
fsr-3279	328	7	advising	advise	VERB
fsr-3279	328	8	clients	client	NOUN
fsr-3279	328	9	.	.	PUNCT
fsr-3279	329	1	journal	journal	NOUN
fsr-3279	329	2	of	of	ADP
fsr-3279	329	3	financial	financial	ADJ
fsr-3279	329	4	counseling	counseling	NOUN
fsr-3279	329	5	and	and	CCONJ
fsr-3279	329	6	planning	planning	NOUN
fsr-3279	329	7	,	,	PUNCT
fsr-3279	329	8	2	2	NUM
fsr-3279	329	9	,	,	PUNCT
fsr-3279	329	10	3–23	3–23	PROPN
fsr-3279	329	11	.	.	PUNCT
fsr-3279	330	1	moon	moon	PROPN
fsr-3279	330	2	,	,	PUNCT
fsr-3279	330	3	s.	s.	PROPN
fsr-3279	330	4	j.	j.	PROPN
fsr-3279	330	5	,	,	PUNCT
fsr-3279	330	6	yuh	yuh	PROPN
fsr-3279	330	7	,	,	PUNCT
fsr-3279	330	8	y.	y.	PROPN
fsr-3279	330	9	,	,	PUNCT
fsr-3279	330	10	&	&	CCONJ
fsr-3279	330	11	hanna	hanna	PROPN
fsr-3279	330	12	,	,	PUNCT
fsr-3279	330	13	s.	s.	PROPN
fsr-3279	330	14	d.	d.	PROPN
fsr-3279	330	15	(	(	PUNCT
fsr-3279	330	16	2002	2002	NUM
fsr-3279	330	17	)	)	PUNCT
fsr-3279	330	18	.	.	PUNCT
fsr-3279	331	1	financial	financial	ADJ
fsr-3279	331	2	ratio	ratio	NOUN
fsr-3279	331	3	analysis	analysis	NOUN
fsr-3279	331	4	of	of	ADP
fsr-3279	331	5	korean	korean	ADJ
fsr-3279	331	6	households	household	NOUN
fsr-3279	331	7	.	.	PUNCT
fsr-3279	332	1	family	family	NOUN
fsr-3279	332	2	and	and	CCONJ
fsr-3279	332	3	consumer	consumer	NOUN
fsr-3279	332	4	sciences	sciences	PROPN
fsr-3279	332	5	research	research	NOUN
fsr-3279	332	6	journal	journal	NOUN
fsr-3279	332	7	,	,	PUNCT
fsr-3279	332	8	30	30	NUM
fsr-3279	332	9	,	,	PUNCT
fsr-3279	332	10	496–535	496–535	NUM
fsr-3279	332	11	.	.	PUNCT
fsr-3279	333	1	yao	yao	PROPN
fsr-3279	333	2	,	,	PUNCT
fsr-3279	333	3	r.	r.	PROPN
fsr-3279	333	4	,	,	PUNCT
fsr-3279	333	5	&	&	CCONJ
fsr-3279	333	6	hanna	hanna	PROPN
fsr-3279	333	7	,	,	PUNCT
fsr-3279	333	8	s.	s.	PROPN
fsr-3279	333	9	d.	d.	PROPN
fsr-3279	333	10	(	(	PUNCT
fsr-3279	333	11	2002	2002	NUM
fsr-3279	333	12	)	)	PUNCT
fsr-3279	333	13	.	.	PUNCT
fsr-3279	334	1	the	the	DET
fsr-3279	334	2	investment	investment	NOUN
fsr-3279	334	3	-	-	PUNCT
fsr-3279	334	4	asset	asset	NOUN
fsr-3279	334	5	ratio	ratio	NOUN
fsr-3279	334	6	:	:	PUNCT
fsr-3279	334	7	a	a	DET
fsr-3279	334	8	plausible	plausible	ADJ
fsr-3279	334	9	replacement	replacement	NOUN
fsr-3279	334	10	for	for	ADP
fsr-3279	334	11	the	the	DET
fsr-3279	334	12	capital	capital	NOUN
fsr-3279	334	13	accumulation	accumulation	NOUN
fsr-3279	334	14	ratio	ratio	NOUN
fsr-3279	334	15	guideline	guideline	NOUN
fsr-3279	334	16	?	?	PUNCT
fsr-3279	335	1	proceedings	proceeding	NOUN
fsr-3279	335	2	of	of	ADP
fsr-3279	335	3	the	the	DET
fsr-3279	335	4	association	association	NOUN
fsr-3279	335	5	for	for	ADP
fsr-3279	335	6	financial	financial	ADJ
fsr-3279	335	7	counseling	counseling	NOUN
fsr-3279	335	8	and	and	CCONJ
fsr-3279	335	9	planning	planning	NOUN
fsr-3279	335	10	education	education	NOUN
fsr-3279	335	11	(	(	PUNCT
fsr-3279	335	12	p.	p.	NOUN
fsr-3279	335	13	66	66	NUM
fsr-3279	335	14	)	)	PUNCT
fsr-3279	335	15	.	.	PUNCT
fsr-3279	336	1	scottsdale	scottsdale	PROPN
fsr-3279	336	2	,	,	PUNCT
fsr-3279	336	3	arizona	arizona	PROPN
fsr-3279	336	4	.	.	PUNCT
fsr-3279	337	1	yao	yao	PROPN
fsr-3279	337	2	,	,	PUNCT
fsr-3279	337	3	r	r	NOUN
fsr-3279	337	4	,	,	PUNCT
fsr-3279	337	5	hanna	hanna	PROPN
fsr-3279	337	6	,	,	PUNCT
fsr-3279	337	7	s.	s.	PROPN
fsr-3279	337	8	d.	d.	PROPN
fsr-3279	337	9	,	,	PUNCT
fsr-3279	337	10	&	&	CCONJ
fsr-3279	337	11	montalto	montalto	PROPN
fsr-3279	337	12	,	,	PUNCT
fsr-3279	337	13	c.	c.	PROPN
fsr-3279	337	14	p.	p.	PROPN
fsr-3279	337	15	(	(	PUNCT
fsr-3279	337	16	2002	2002	NUM
fsr-3279	337	17	)	)	PUNCT
fsr-3279	337	18	.	.	PUNCT
fsr-3279	338	1	factors	factor	NOUN
fsr-3279	338	2	related	relate	VERB
fsr-3279	338	3	to	to	ADP
fsr-3279	338	4	meeting	meet	VERB
fsr-3279	338	5	the	the	DET
fsr-3279	338	6	capital	capital	NOUN
fsr-3279	338	7	accumulation	accumulation	NOUN
fsr-3279	338	8	ratio	ratio	NOUN
fsr-3279	338	9	guideline	guideline	NOUN
fsr-3279	338	10	.	.	PUNCT
fsr-3279	339	1	financial	financial	ADJ
fsr-3279	339	2	services	service	NOUN
fsr-3279	339	3	review	review	PROPN
fsr-3279	339	4	,	,	PUNCT
fsr-3279	339	5	11	11	NUM
fsr-3279	339	6	,	,	PUNCT
fsr-3279	339	7	153–171	153–171	NUM
fsr-3279	339	8	.	.	PUNCT
fsr-3279	340	1	yao	yao	PROPN
fsr-3279	340	2	,	,	PUNCT
fsr-3279	340	3	r	r	NOUN
fsr-3279	340	4	,	,	PUNCT
fsr-3279	340	5	hanna	hanna	PROPN
fsr-3279	340	6	,	,	PUNCT
fsr-3279	340	7	s.	s.	PROPN
fsr-3279	340	8	d.	d.	PROPN
fsr-3279	340	9	,	,	PUNCT
fsr-3279	340	10	&	&	CCONJ
fsr-3279	340	11	montalto	montalto	PROPN
fsr-3279	340	12	,	,	PUNCT
fsr-3279	340	13	c.	c.	PROPN
fsr-3279	340	14	p.	p.	PROPN
fsr-3279	340	15	(	(	PUNCT
fsr-3279	340	16	2003	2003	NUM
fsr-3279	340	17	)	)	PUNCT
fsr-3279	340	18	.	.	PUNCT
fsr-3279	341	1	the	the	DET
fsr-3279	341	2	capital	capital	NOUN
fsr-3279	341	3	accumulation	accumulation	NOUN
fsr-3279	341	4	ratio	ratio	NOUN
fsr-3279	341	5	as	as	ADP
fsr-3279	341	6	an	an	DET
fsr-3279	341	7	indicator	indicator	NOUN
fsr-3279	341	8	of	of	ADP
fsr-3279	341	9	retirement	retirement	NOUN
fsr-3279	341	10	adequacy	adequacy	NOUN
fsr-3279	341	11	.	.	PUNCT
fsr-3279	342	1	journal	journal	NOUN
fsr-3279	342	2	of	of	ADP
fsr-3279	342	3	financial	financial	ADJ
fsr-3279	342	4	counseling	counseling	NOUN
fsr-3279	342	5	and	and	CCONJ
fsr-3279	342	6	planning	planning	NOUN
fsr-3279	342	7	,	,	PUNCT
fsr-3279	342	8	14	14	NUM
fsr-3279	342	9	,	,	PUNCT
fsr-3279	342	10	1–12	1–12	NOUN
fsr-3279	342	11	.	.	PUNCT
fsr-3279	343	1	yuh	yuh	PROPN
fsr-3279	343	2	,	,	PUNCT
fsr-3279	343	3	y.	y.	PROPN
fsr-3279	343	4	,	,	PUNCT
fsr-3279	343	5	hanna	hanna	PROPN
fsr-3279	343	6	,	,	PUNCT
fsr-3279	343	7	s.	s.	PROPN
fsr-3279	343	8	,	,	PUNCT
fsr-3279	343	9	&	&	CCONJ
fsr-3279	343	10	montalto	montalto	PROPN
fsr-3279	343	11	,	,	PUNCT
fsr-3279	343	12	c.	c.	PROPN
fsr-3279	343	13	p.	p.	PROPN
fsr-3279	343	14	(	(	PUNCT
fsr-3279	343	15	1998	1998	NUM
fsr-3279	343	16	)	)	PUNCT
fsr-3279	343	17	.	.	PUNCT
fsr-3279	344	1	mean	mean	VERB
fsr-3279	344	2	and	and	CCONJ
fsr-3279	344	3	pessimistic	pessimistic	ADJ
fsr-3279	344	4	projections	projection	NOUN
fsr-3279	344	5	of	of	ADP
fsr-3279	344	6	retirement	retirement	NOUN
fsr-3279	344	7	adequacy	adequacy	NOUN
fsr-3279	344	8	.	.	PUNCT
fsr-3279	345	1	financial	financial	ADJ
fsr-3279	345	2	services	service	NOUN
fsr-3279	345	3	review	review	PROPN
fsr-3279	345	4	,	,	PUNCT
fsr-3279	345	5	7	7	NUM
fsr-3279	345	6	,	,	PUNCT
fsr-3279	345	7	175–193	175–193	NUM
fsr-3279	345	8	.	.	PUNCT
fsr-3279	346	1	277s.d	277s.d	NUM
fsr-3279	346	2	.	.	PUNCT
fsr-3279	347	1	hanna	hanna	PROPN
fsr-3279	347	2	,	,	PUNCT
fsr-3279	347	3	k.t	k.t	PROPN
fsr-3279	347	4	.	.	PROPN
fsr-3279	347	5	kim	kim	PROPN
fsr-3279	347	6	/	/	SYM
fsr-3279	347	7	financial	financial	ADJ
fsr-3279	347	8	services	service	NOUN
fsr-3279	347	9	review	review	VERB
fsr-3279	347	10	25	25	NUM
fsr-3279	347	11	(	(	PUNCT
fsr-3279	347	12	2016	2016	NUM
fsr-3279	347	13	)	)	PUNCT
fsr-3279	348	1	263–277	263–277	NUM