id	sid	tid	token	lemma	pos
fsr-3293	1	1	individual	individual	ADJ
fsr-3293	1	2	estimates	estimate	NOUN
fsr-3293	1	3	of	of	ADP
fsr-3293	1	4	life	life	NOUN
fsr-3293	1	5	expectancy	expectancy	NOUN
fsr-3293	1	6	and	and	CCONJ
fsr-3293	1	7	consumption	consumption	NOUN
fsr-3293	1	8	patterns	pattern	NOUN
fsr-3293	1	9	derek	derek	PROPN
fsr-3293	1	10	r.	r.	PROPN
fsr-3293	1	11	lawson	lawson	PROPN
fsr-3293	1	12	,	,	PUNCT
fsr-3293	1	13	cfpa	cfpa	PROPN
fsr-3293	1	14	*	*	PROPN
fsr-3293	1	15	,	,	PUNCT
fsr-3293	1	16	stuart	stuart	PROPN
fsr-3293	1	17	j.	j.	PROPN
fsr-3293	1	18	heckman	heckman	PROPN
fsr-3293	1	19	,	,	PUNCT
fsr-3293	1	20	ph.d	ph.d	PROPN
fsr-3293	1	21	.	.	PROPN
fsr-3293	1	22	,	,	PUNCT
fsr-3293	1	23	cfpa	cfpa	PROPN
fsr-3293	1	24	adepartment	adepartment	NOUN
fsr-3293	1	25	of	of	ADP
fsr-3293	1	26	personal	personal	ADJ
fsr-3293	1	27	financial	financial	ADJ
fsr-3293	1	28	planning	planning	NOUN
fsr-3293	1	29	,	,	PUNCT
fsr-3293	1	30	kansas	kansas	PROPN
fsr-3293	1	31	state	state	PROPN
fsr-3293	1	32	university	university	PROPN
fsr-3293	1	33	,	,	PUNCT
fsr-3293	1	34	1324	1324	NUM
fsr-3293	1	35	lovers	lover	NOUN
fsr-3293	1	36	lane	lane	NOUN
fsr-3293	1	37	,	,	PUNCT
fsr-3293	1	38	303	303	NUM
fsr-3293	1	39	justin	justin	PROPN
fsr-3293	1	40	hall	hall	PROPN
fsr-3293	1	41	,	,	PUNCT
fsr-3293	1	42	manhattan	manhattan	PROPN
fsr-3293	1	43	,	,	PUNCT
fsr-3293	1	44	ks	ks	PROPN
fsr-3293	1	45	66506	66506	NUM
fsr-3293	1	46	,	,	PUNCT
fsr-3293	1	47	usa	usa	PROPN
fsr-3293	1	48	abstract	abstract	ADJ
fsr-3293	1	49	previous	previous	ADJ
fsr-3293	1	50	research	research	NOUN
fsr-3293	1	51	reveals	reveal	VERB
fsr-3293	1	52	a	a	DET
fsr-3293	1	53	paucity	paucity	NOUN
fsr-3293	1	54	of	of	ADP
fsr-3293	1	55	retirement	retirement	NOUN
fsr-3293	1	56	preparedness	preparedness	NOUN
fsr-3293	1	57	in	in	ADP
fsr-3293	1	58	the	the	DET
fsr-3293	1	59	united	united	PROPN
fsr-3293	1	60	states	states	PROPN
fsr-3293	1	61	.	.	PUNCT
fsr-3293	2	1	with	with	ADP
fsr-3293	2	2	the	the	DET
fsr-3293	2	3	shift	shift	NOUN
fsr-3293	2	4	to	to	ADP
fsr-3293	2	5	defined	define	VERB
fsr-3293	2	6	contribution	contribution	NOUN
fsr-3293	2	7	plans	plan	NOUN
fsr-3293	2	8	,	,	PUNCT
fsr-3293	2	9	retirement	retirement	NOUN
fsr-3293	2	10	planning	planning	NOUN
fsr-3293	2	11	now	now	ADV
fsr-3293	2	12	falls	fall	VERB
fsr-3293	2	13	on	on	ADP
fsr-3293	2	14	the	the	DET
fsr-3293	2	15	shoulders	shoulder	NOUN
fsr-3293	2	16	of	of	ADP
fsr-3293	2	17	consumers	consumer	NOUN
fsr-3293	2	18	.	.	PUNCT
fsr-3293	3	1	using	use	VERB
fsr-3293	3	2	the	the	DET
fsr-3293	3	3	2013	2013	NUM
fsr-3293	3	4	survey	survey	NOUN
fsr-3293	3	5	of	of	ADP
fsr-3293	3	6	consumer	consumer	NOUN
fsr-3293	3	7	finances	finance	NOUN
fsr-3293	3	8	(	(	PUNCT
fsr-3293	3	9	scf	scf	PROPN
fsr-3293	3	10	)	)	PUNCT
fsr-3293	3	11	,	,	PUNCT
fsr-3293	3	12	the	the	DET
fsr-3293	3	13	relationship	relationship	NOUN
fsr-3293	3	14	between	between	ADP
fsr-3293	3	15	subjective	subjective	ADJ
fsr-3293	3	16	life	life	NOUN
fsr-3293	3	17	expectancy	expectancy	NOUN
fsr-3293	3	18	and	and	CCONJ
fsr-3293	3	19	consumption	consumption	NOUN
fsr-3293	3	20	is	be	AUX
fsr-3293	3	21	investigated	investigate	VERB
fsr-3293	3	22	.	.	PUNCT
fsr-3293	4	1	specifically	specifically	ADV
fsr-3293	4	2	,	,	PUNCT
fsr-3293	4	3	regression	regression	NOUN
fsr-3293	4	4	analyses	analysis	NOUN
fsr-3293	4	5	examine	examine	VERB
fsr-3293	4	6	the	the	DET
fsr-3293	4	7	relationship	relationship	NOUN
fsr-3293	4	8	between	between	ADP
fsr-3293	4	9	subjective	subjective	ADJ
fsr-3293	4	10	life	life	NOUN
fsr-3293	4	11	expectancy	expectancy	NOUN
fsr-3293	4	12	and	and	CCONJ
fsr-3293	4	13	three	three	NUM
fsr-3293	4	14	indicators	indicator	NOUN
fsr-3293	4	15	of	of	ADP
fsr-3293	4	16	consumption	consumption	NOUN
fsr-3293	4	17	:	:	PUNCT
fsr-3293	4	18	financial	financial	ADJ
fsr-3293	4	19	assets	asset	NOUN
fsr-3293	4	20	,	,	PUNCT
fsr-3293	4	21	credit	credit	NOUN
fsr-3293	4	22	card	card	NOUN
fsr-3293	4	23	debt	debt	NOUN
fsr-3293	4	24	,	,	PUNCT
fsr-3293	4	25	and	and	CCONJ
fsr-3293	4	26	saving	save	VERB
fsr-3293	4	27	behavior	behavior	NOUN
fsr-3293	4	28	.	.	PUNCT
fsr-3293	5	1	a	a	DET
fsr-3293	5	2	secondary	secondary	ADJ
fsr-3293	5	3	analysis	analysis	NOUN
fsr-3293	5	4	separated	separate	VERB
fsr-3293	5	5	respondents	respondent	NOUN
fsr-3293	5	6	near	near	ADP
fsr-3293	5	7	retirement	retirement	NOUN
fsr-3293	5	8	(	(	PUNCT
fsr-3293	5	9	i.e.	i.e.	X
fsr-3293	5	10	,	,	PUNCT
fsr-3293	5	11	within	within	ADP
fsr-3293	5	12	10	10	NUM
fsr-3293	5	13	years	year	NOUN
fsr-3293	5	14	)	)	PUNCT
fsr-3293	5	15	and	and	CCONJ
fsr-3293	5	16	far	far	ADV
fsr-3293	5	17	from	from	ADP
fsr-3293	5	18	retirement	retirement	NOUN
fsr-3293	5	19	(	(	PUNCT
fsr-3293	5	20	i.e.	i.e.	X
fsr-3293	5	21	,	,	PUNCT
fsr-3293	5	22	more	more	ADJ
fsr-3293	5	23	than	than	ADP
fsr-3293	5	24	10	10	NUM
fsr-3293	5	25	years	year	NOUN
fsr-3293	5	26	)	)	PUNCT
fsr-3293	5	27	to	to	PART
fsr-3293	5	28	determine	determine	VERB
fsr-3293	5	29	if	if	SCONJ
fsr-3293	5	30	retirement	retirement	NOUN
fsr-3293	5	31	saliency	saliency	NOUN
fsr-3293	5	32	affects	affect	VERB
fsr-3293	5	33	the	the	DET
fsr-3293	5	34	relationship	relationship	NOUN
fsr-3293	5	35	between	between	ADP
fsr-3293	5	36	life	life	NOUN
fsr-3293	5	37	expectancy	expectancy	NOUN
fsr-3293	5	38	and	and	CCONJ
fsr-3293	5	39	consumption	consumption	NOUN
fsr-3293	5	40	.	.	PUNCT
fsr-3293	6	1	the	the	DET
fsr-3293	6	2	influence	influence	NOUN
fsr-3293	6	3	of	of	ADP
fsr-3293	6	4	life	life	NOUN
fsr-3293	6	5	expectancy	expectancy	NOUN
fsr-3293	6	6	on	on	ADP
fsr-3293	6	7	consumption	consumption	NOUN
fsr-3293	6	8	is	be	AUX
fsr-3293	6	9	analyzed	analyze	VERB
fsr-3293	6	10	by	by	ADP
fsr-3293	6	11	separating	separate	VERB
fsr-3293	6	12	life	life	NOUN
fsr-3293	6	13	expectancy	expectancy	NOUN
fsr-3293	6	14	into	into	ADP
fsr-3293	6	15	two	two	NUM
fsr-3293	6	16	periods	period	NOUN
fsr-3293	6	17	:	:	PUNCT
fsr-3293	6	18	remaining	remain	VERB
fsr-3293	6	19	work	work	NOUN
fsr-3293	6	20	life	life	NOUN
fsr-3293	6	21	and	and	CCONJ
fsr-3293	6	22	retirement	retirement	NOUN
fsr-3293	6	23	life	life	NOUN
fsr-3293	6	24	.	.	PUNCT
fsr-3293	7	1	results	result	NOUN
fsr-3293	7	2	indicate	indicate	VERB
fsr-3293	7	3	that	that	SCONJ
fsr-3293	7	4	remaining	remain	VERB
fsr-3293	7	5	work	work	NOUN
fsr-3293	7	6	life	life	NOUN
fsr-3293	7	7	expectancy	expectancy	NOUN
fsr-3293	7	8	and	and	CCONJ
fsr-3293	7	9	retirement	retirement	NOUN
fsr-3293	7	10	life	life	NOUN
fsr-3293	7	11	expectancy	expectancy	NOUN
fsr-3293	7	12	are	be	AUX
fsr-3293	7	13	associated	associate	VERB
fsr-3293	7	14	with	with	ADP
fsr-3293	7	15	financial	financial	ADJ
fsr-3293	7	16	assets	asset	NOUN
fsr-3293	7	17	and	and	CCONJ
fsr-3293	7	18	that	that	SCONJ
fsr-3293	7	19	retirement	retirement	NOUN
fsr-3293	7	20	life	life	NOUN
fsr-3293	7	21	expectancy	expectancy	NOUN
fsr-3293	7	22	is	be	AUX
fsr-3293	7	23	associated	associate	VERB
fsr-3293	7	24	with	with	ADP
fsr-3293	7	25	savings	saving	NOUN
fsr-3293	7	26	behavior	behavior	NOUN
fsr-3293	7	27	.	.	PUNCT
fsr-3293	8	1	©	©	PROPN
fsr-3293	8	2	2017	2017	NUM
fsr-3293	8	3	academy	academy	NOUN
fsr-3293	8	4	of	of	ADP
fsr-3293	8	5	financial	financial	ADJ
fsr-3293	8	6	services	service	NOUN
fsr-3293	8	7	.	.	PUNCT
fsr-3293	9	1	all	all	DET
fsr-3293	9	2	rights	right	NOUN
fsr-3293	9	3	reserved	reserve	VERB
fsr-3293	9	4	.	.	PUNCT
fsr-3293	10	1	jel	jel	PROPN
fsr-3293	10	2	classification	classification	NOUN
fsr-3293	10	3	:	:	PUNCT
fsr-3293	10	4	d14	d14	ADJ
fsr-3293	10	5	;	;	PUNCT
fsr-3293	10	6	e21	e21	NUM
fsr-3293	10	7	keywords	keyword	NOUN
fsr-3293	10	8	:	:	PUNCT
fsr-3293	10	9	consumption	consumption	NOUN
fsr-3293	10	10	;	;	PUNCT
fsr-3293	10	11	life	life	NOUN
fsr-3293	10	12	expectancy	expectancy	NOUN
fsr-3293	10	13	;	;	PUNCT
fsr-3293	10	14	retirement	retirement	NOUN
fsr-3293	10	15	;	;	PUNCT
fsr-3293	10	16	saving	save	VERB
fsr-3293	10	17	1	1	NUM
fsr-3293	10	18	.	.	PUNCT
fsr-3293	11	1	introduction	introduction	NOUN
fsr-3293	11	2	one	one	NUM
fsr-3293	11	3	result	result	NOUN
fsr-3293	11	4	of	of	ADP
fsr-3293	11	5	the	the	DET
fsr-3293	11	6	shift	shift	NOUN
fsr-3293	11	7	away	away	ADV
fsr-3293	11	8	from	from	ADP
fsr-3293	11	9	defined	define	VERB
fsr-3293	11	10	benefit	benefit	NOUN
fsr-3293	11	11	plans	plan	NOUN
fsr-3293	11	12	to	to	PART
fsr-3293	11	13	defined	define	VERB
fsr-3293	11	14	contribution	contribution	NOUN
fsr-3293	11	15	plans	plan	NOUN
fsr-3293	11	16	is	be	AUX
fsr-3293	11	17	that	that	SCONJ
fsr-3293	11	18	household	household	NOUN
fsr-3293	11	19	consumption	consumption	NOUN
fsr-3293	11	20	decisions	decision	NOUN
fsr-3293	11	21	have	have	VERB
fsr-3293	11	22	a	a	DET
fsr-3293	11	23	substantial	substantial	ADJ
fsr-3293	11	24	and	and	CCONJ
fsr-3293	11	25	lasting	lasting	ADJ
fsr-3293	11	26	impact	impact	NOUN
fsr-3293	11	27	on	on	ADP
fsr-3293	11	28	a	a	DET
fsr-3293	11	29	household	household	NOUN
fsr-3293	11	30	’s	’s	PART
fsr-3293	11	31	ability	ability	NOUN
fsr-3293	11	32	to	to	PART
fsr-3293	11	33	prepare	prepare	VERB
fsr-3293	11	34	for	for	ADP
fsr-3293	11	35	retirement	retirement	NOUN
fsr-3293	11	36	.	.	PUNCT
fsr-3293	12	1	retirement	retirement	NOUN
fsr-3293	12	2	planning	planning	NOUN
fsr-3293	12	3	is	be	AUX
fsr-3293	12	4	a	a	DET
fsr-3293	12	5	complex	complex	ADJ
fsr-3293	12	6	task	task	NOUN
fsr-3293	12	7	for	for	ADP
fsr-3293	12	8	the	the	DET
fsr-3293	12	9	average	average	ADJ
fsr-3293	12	10	*	*	PUNCT
fsr-3293	12	11	corresponding	correspond	VERB
fsr-3293	12	12	author	author	NOUN
fsr-3293	12	13	.	.	PUNCT
fsr-3293	13	1	tel	tel	PROPN
fsr-3293	13	2	.	.	PUNCT
fsr-3293	13	3	:	:	PUNCT
fsr-3293	14	1	�	�	PROPN
fsr-3293	14	2	1	1	NUM
fsr-3293	14	3	-	-	SYM
fsr-3293	14	4	515	515	NUM
fsr-3293	14	5	-	-	PUNCT
fsr-3293	14	6	707	707	NUM
fsr-3293	14	7	-	-	PUNCT
fsr-3293	14	8	3729	3729	NUM
fsr-3293	14	9	;	;	PUNCT
fsr-3293	14	10	fax	fax	NOUN
fsr-3293	14	11	:	:	PUNCT
fsr-3293	14	12	�	�	PROPN
fsr-3293	14	13	1	1	NUM
fsr-3293	14	14	-	-	SYM
fsr-3293	14	15	785	785	NUM
fsr-3293	14	16	-	-	PUNCT
fsr-3293	14	17	532	532	NUM
fsr-3293	14	18	-	-	SYM
fsr-3293	14	19	5505	5505	NUM
fsr-3293	14	20	.	.	PUNCT
fsr-3293	15	1	e	e	X
fsr-3293	15	2	-	-	NOUN
fsr-3293	15	3	mail	mail	NOUN
fsr-3293	15	4	address	address	NOUN
fsr-3293	15	5	:	:	PUNCT
fsr-3293	15	6	drlawson@ksu.edu	drlawson@ksu.edu	PROPN
fsr-3293	15	7	(	(	PUNCT
fsr-3293	15	8	d.r	d.r	PROPN
fsr-3293	15	9	.	.	PROPN
fsr-3293	15	10	lawson	lawson	PROPN
fsr-3293	15	11	)	)	PUNCT
fsr-3293	15	12	financial	financial	ADJ
fsr-3293	15	13	services	service	NOUN
fsr-3293	15	14	review	review	VERB
fsr-3293	15	15	26	26	NUM
fsr-3293	15	16	(	(	PUNCT
fsr-3293	15	17	2017	2017	NUM
fsr-3293	15	18	)	)	PUNCT
fsr-3293	15	19	1–18	1–18	NOUN
fsr-3293	15	20	1057	1057	NUM
fsr-3293	15	21	-	-	SYM
fsr-3293	15	22	0810/17/$	0810/17/$	NUM
fsr-3293	15	23	–	–	PUNCT
fsr-3293	15	24	see	see	VERB
fsr-3293	15	25	front	front	ADJ
fsr-3293	15	26	matter	matter	NOUN
fsr-3293	15	27	©	©	PROPN
fsr-3293	15	28	2017	2017	NUM
fsr-3293	15	29	academy	academy	NOUN
fsr-3293	15	30	of	of	ADP
fsr-3293	15	31	financial	financial	ADJ
fsr-3293	15	32	services	service	NOUN
fsr-3293	15	33	.	.	PUNCT
fsr-3293	16	1	all	all	DET
fsr-3293	16	2	rights	right	NOUN
fsr-3293	16	3	reserved	reserve	VERB
fsr-3293	16	4	.	.	PUNCT
fsr-3293	17	1	consumer	consumer	NOUN
fsr-3293	17	2	given	give	VERB
fsr-3293	17	3	all	all	DET
fsr-3293	17	4	the	the	DET
fsr-3293	17	5	uncertainty	uncertainty	NOUN
fsr-3293	17	6	involved	involve	VERB
fsr-3293	17	7	,	,	PUNCT
fsr-3293	17	8	for	for	ADP
fsr-3293	17	9	example	example	NOUN
fsr-3293	17	10	,	,	PUNCT
fsr-3293	17	11	length	length	NOUN
fsr-3293	17	12	of	of	ADP
fsr-3293	17	13	time	time	NOUN
fsr-3293	17	14	in	in	ADP
fsr-3293	17	15	retirement	retirement	NOUN
fsr-3293	17	16	,	,	PUNCT
fsr-3293	17	17	inflation	inflation	NOUN
fsr-3293	17	18	,	,	PUNCT
fsr-3293	17	19	rates	rate	NOUN
fsr-3293	17	20	of	of	ADP
fsr-3293	17	21	return	return	NOUN
fsr-3293	17	22	,	,	PUNCT
fsr-3293	17	23	and	and	CCONJ
fsr-3293	17	24	so	so	ADV
fsr-3293	17	25	forth	forth	ADV
fsr-3293	17	26	.	.	PUNCT
fsr-3293	18	1	additionally	additionally	ADV
fsr-3293	18	2	,	,	PUNCT
fsr-3293	18	3	consumers	consumer	NOUN
fsr-3293	18	4	have	have	VERB
fsr-3293	18	5	difficulty	difficulty	NOUN
fsr-3293	18	6	in	in	ADP
fsr-3293	18	7	making	make	VERB
fsr-3293	18	8	decisions	decision	NOUN
fsr-3293	18	9	under	under	ADP
fsr-3293	18	10	uncertainty	uncertainty	NOUN
fsr-3293	18	11	and	and	CCONJ
fsr-3293	18	12	are	be	AUX
fsr-3293	18	13	prone	prone	ADJ
fsr-3293	18	14	to	to	ADP
fsr-3293	18	15	many	many	ADJ
fsr-3293	18	16	biases	bias	NOUN
fsr-3293	18	17	and	and	CCONJ
fsr-3293	18	18	mistakes	mistake	NOUN
fsr-3293	18	19	(	(	PUNCT
fsr-3293	18	20	tversky	tversky	PROPN
fsr-3293	18	21	&	&	CCONJ
fsr-3293	18	22	kahneman	kahneman	PROPN
fsr-3293	18	23	,	,	PUNCT
fsr-3293	18	24	1974	1974	NUM
fsr-3293	18	25	)	)	PUNCT
fsr-3293	18	26	.	.	PUNCT
fsr-3293	19	1	now	now	ADV
fsr-3293	19	2	that	that	SCONJ
fsr-3293	19	3	most	most	ADJ
fsr-3293	19	4	consumers	consumer	NOUN
fsr-3293	19	5	bear	bear	VERB
fsr-3293	19	6	the	the	DET
fsr-3293	19	7	investment	investment	NOUN
fsr-3293	19	8	and	and	CCONJ
fsr-3293	19	9	longevity	longevity	NOUN
fsr-3293	19	10	risk	risk	NOUN
fsr-3293	19	11	associated	associate	VERB
fsr-3293	19	12	with	with	ADP
fsr-3293	19	13	retirement	retirement	NOUN
fsr-3293	19	14	funding	funding	NOUN
fsr-3293	19	15	,	,	PUNCT
fsr-3293	19	16	consumption	consumption	NOUN
fsr-3293	19	17	decisions	decision	NOUN
fsr-3293	19	18	throughout	throughout	ADP
fsr-3293	19	19	the	the	DET
fsr-3293	19	20	life	life	NOUN
fsr-3293	19	21	cycle	cycle	NOUN
fsr-3293	19	22	have	have	VERB
fsr-3293	19	23	an	an	DET
fsr-3293	19	24	important	important	ADJ
fsr-3293	19	25	role	role	NOUN
fsr-3293	19	26	to	to	PART
fsr-3293	19	27	play	play	VERB
fsr-3293	19	28	in	in	ADP
fsr-3293	19	29	shaping	shape	VERB
fsr-3293	19	30	retirement	retirement	NOUN
fsr-3293	19	31	adequacy	adequacy	NOUN
fsr-3293	19	32	.	.	PUNCT
fsr-3293	20	1	the	the	DET
fsr-3293	20	2	current	current	ADJ
fsr-3293	20	3	study	study	NOUN
fsr-3293	20	4	focuses	focus	VERB
fsr-3293	20	5	on	on	ADP
fsr-3293	20	6	one	one	NUM
fsr-3293	20	7	particular	particular	ADJ
fsr-3293	20	8	source	source	NOUN
fsr-3293	20	9	of	of	ADP
fsr-3293	20	10	uncertainty	uncertainty	NOUN
fsr-3293	20	11	,	,	PUNCT
fsr-3293	20	12	an	an	DET
fsr-3293	20	13	individual	individual	NOUN
fsr-3293	20	14	’s	’s	PART
fsr-3293	20	15	life	life	NOUN
fsr-3293	20	16	expectancy	expectancy	NOUN
fsr-3293	20	17	,	,	PUNCT
fsr-3293	20	18	and	and	CCONJ
fsr-3293	20	19	examines	examine	VERB
fsr-3293	20	20	how	how	SCONJ
fsr-3293	20	21	subjective	subjective	ADJ
fsr-3293	20	22	estimates	estimate	NOUN
fsr-3293	20	23	of	of	ADP
fsr-3293	20	24	life	life	NOUN
fsr-3293	20	25	expectancy	expectancy	NOUN
fsr-3293	20	26	influence	influence	NOUN
fsr-3293	20	27	household	household	NOUN
fsr-3293	20	28	consumption	consumption	NOUN
fsr-3293	20	29	.	.	PUNCT
fsr-3293	21	1	because	because	SCONJ
fsr-3293	21	2	of	of	ADP
fsr-3293	21	3	the	the	DET
fsr-3293	21	4	dynamic	dynamic	ADJ
fsr-3293	21	5	relationship	relationship	NOUN
fsr-3293	21	6	between	between	ADP
fsr-3293	21	7	current	current	ADJ
fsr-3293	21	8	age	age	NOUN
fsr-3293	21	9	,	,	PUNCT
fsr-3293	21	10	retirement	retirement	NOUN
fsr-3293	21	11	age	age	NOUN
fsr-3293	21	12	,	,	PUNCT
fsr-3293	21	13	and	and	CCONJ
fsr-3293	21	14	life	life	NOUN
fsr-3293	21	15	expectancy	expectancy	NOUN
fsr-3293	21	16	and	and	CCONJ
fsr-3293	21	17	consumption	consumption	NOUN
fsr-3293	21	18	choice	choice	NOUN
fsr-3293	21	19	,	,	PUNCT
fsr-3293	21	20	the	the	DET
fsr-3293	21	21	current	current	ADJ
fsr-3293	21	22	study	study	NOUN
fsr-3293	21	23	analyzes	analyze	VERB
fsr-3293	21	24	the	the	DET
fsr-3293	21	25	influence	influence	NOUN
fsr-3293	21	26	of	of	ADP
fsr-3293	21	27	life	life	NOUN
fsr-3293	21	28	expectancy	expectancy	NOUN
fsr-3293	21	29	on	on	ADP
fsr-3293	21	30	consumption	consumption	NOUN
fsr-3293	21	31	by	by	ADP
fsr-3293	21	32	dividing	divide	VERB
fsr-3293	21	33	the	the	DET
fsr-3293	21	34	respondents	respondent	NOUN
fsr-3293	21	35	’	’	PART
fsr-3293	21	36	remaining	remain	VERB
fsr-3293	21	37	life	life	NOUN
fsr-3293	21	38	expectancy	expectancy	NOUN
fsr-3293	21	39	into	into	ADP
fsr-3293	21	40	two	two	NUM
fsr-3293	21	41	periods	period	NOUN
fsr-3293	21	42	—	—	PUNCT
fsr-3293	21	43	remaining	remain	VERB
fsr-3293	21	44	work	work	NOUN
fsr-3293	21	45	life	life	NOUN
fsr-3293	21	46	expectancy	expectancy	NOUN
fsr-3293	21	47	and	and	CCONJ
fsr-3293	21	48	retirement	retirement	NOUN
fsr-3293	21	49	life	life	NOUN
fsr-3293	21	50	expectancy	expectancy	NOUN
fsr-3293	21	51	.	.	PUNCT
fsr-3293	22	1	from	from	ADP
fsr-3293	22	2	a	a	DET
fsr-3293	22	3	life	life	NOUN
fsr-3293	22	4	cycle	cycle	NOUN
fsr-3293	22	5	perspective	perspective	NOUN
fsr-3293	22	6	,	,	PUNCT
fsr-3293	22	7	examining	examine	VERB
fsr-3293	22	8	these	these	DET
fsr-3293	22	9	two	two	NUM
fsr-3293	22	10	periods	period	NOUN
fsr-3293	22	11	of	of	ADP
fsr-3293	22	12	time	time	NOUN
fsr-3293	22	13	(	(	PUNCT
fsr-3293	22	14	i.e.	i.e.	X
fsr-3293	22	15	,	,	PUNCT
fsr-3293	22	16	remaining	remaining	ADJ
fsr-3293	22	17	working	work	VERB
fsr-3293	22	18	period	period	NOUN
fsr-3293	22	19	and	and	CCONJ
fsr-3293	22	20	retirement	retirement	NOUN
fsr-3293	22	21	period	period	NOUN
fsr-3293	22	22	)	)	PUNCT
fsr-3293	22	23	highlights	highlight	VERB
fsr-3293	22	24	the	the	DET
fsr-3293	22	25	tradeoff	tradeoff	NOUN
fsr-3293	22	26	between	between	ADP
fsr-3293	22	27	saving	save	VERB
fsr-3293	22	28	and	and	CCONJ
fsr-3293	22	29	dissaving	dissaving	NOUN
fsr-3293	22	30	.	.	PUNCT
fsr-3293	23	1	1.1	1.1	NUM
fsr-3293	23	2	.	.	PUNCT
fsr-3293	24	1	literature	literature	NOUN
fsr-3293	24	2	review	review	VERB
fsr-3293	24	3	some	some	DET
fsr-3293	24	4	studies	study	NOUN
fsr-3293	24	5	find	find	VERB
fsr-3293	24	6	subjective	subjective	ADJ
fsr-3293	24	7	life	life	NOUN
fsr-3293	24	8	expectancy	expectancy	NOUN
fsr-3293	24	9	to	to	PART
fsr-3293	24	10	be	be	AUX
fsr-3293	24	11	a	a	DET
fsr-3293	24	12	valuable	valuable	ADJ
fsr-3293	24	13	predictor	predictor	NOUN
fsr-3293	24	14	of	of	ADP
fsr-3293	24	15	actual	actual	ADJ
fsr-3293	24	16	mortality	mortality	NOUN
fsr-3293	24	17	(	(	PUNCT
fsr-3293	24	18	hamermesh	hamermesh	PROPN
fsr-3293	24	19	,	,	PUNCT
fsr-3293	24	20	1985	1985	NUM
fsr-3293	24	21	;	;	PUNCT
fsr-3293	24	22	hurd	hurd	PROPN
fsr-3293	24	23	&	&	CCONJ
fsr-3293	24	24	mcgarry	mcgarry	PROPN
fsr-3293	24	25	,	,	PUNCT
fsr-3293	24	26	2002	2002	NUM
fsr-3293	24	27	)	)	PUNCT
fsr-3293	24	28	.	.	PUNCT
fsr-3293	25	1	elder	elder	NOUN
fsr-3293	25	2	’s	’s	PART
fsr-3293	25	3	(	(	PUNCT
fsr-3293	25	4	2007	2007	NUM
fsr-3293	25	5	)	)	PUNCT
fsr-3293	25	6	findings	finding	NOUN
fsr-3293	25	7	confirm	confirm	VERB
fsr-3293	25	8	individual	individual	ADJ
fsr-3293	25	9	estimates	estimate	NOUN
fsr-3293	25	10	of	of	ADP
fsr-3293	25	11	life	life	NOUN
fsr-3293	25	12	expectancy	expectancy	NOUN
fsr-3293	25	13	to	to	PART
fsr-3293	25	14	be	be	AUX
fsr-3293	25	15	accurate	accurate	ADJ
fsr-3293	25	16	but	but	CCONJ
fsr-3293	25	17	noted	note	VERB
fsr-3293	25	18	an	an	DET
fsr-3293	25	19	interesting	interesting	ADJ
fsr-3293	25	20	pattern	pattern	NOUN
fsr-3293	25	21	in	in	ADP
fsr-3293	25	22	that	that	PRON
fsr-3293	25	23	individuals	individual	NOUN
fsr-3293	25	24	nearing	near	VERB
fsr-3293	25	25	retirement	retirement	NOUN
fsr-3293	25	26	had	have	AUX
fsr-3293	25	27	higher	high	ADJ
fsr-3293	25	28	discount	discount	NOUN
fsr-3293	25	29	rates	rate	NOUN
fsr-3293	25	30	for	for	ADP
fsr-3293	25	31	their	their	PRON
fsr-3293	25	32	future	future	NOUN
fsr-3293	25	33	.	.	PUNCT
fsr-3293	26	1	his	his	PRON
fsr-3293	26	2	results	result	NOUN
fsr-3293	26	3	show	show	VERB
fsr-3293	26	4	that	that	SCONJ
fsr-3293	26	5	individuals	individual	NOUN
fsr-3293	26	6	nearing	near	VERB
fsr-3293	26	7	or	or	CCONJ
fsr-3293	26	8	just	just	ADV
fsr-3293	26	9	starting	start	VERB
fsr-3293	26	10	retirement	retirement	NOUN
fsr-3293	26	11	were	be	AUX
fsr-3293	26	12	pessimistic	pessimistic	ADJ
fsr-3293	26	13	about	about	ADP
fsr-3293	26	14	living	live	VERB
fsr-3293	26	15	to	to	ADP
fsr-3293	26	16	age	age	NOUN
fsr-3293	26	17	75	75	NUM
fsr-3293	26	18	,	,	PUNCT
fsr-3293	26	19	but	but	CCONJ
fsr-3293	26	20	became	become	VERB
fsr-3293	26	21	optimistic	optimistic	ADJ
fsr-3293	26	22	about	about	ADP
fsr-3293	26	23	living	live	VERB
fsr-3293	26	24	to	to	ADP
fsr-3293	26	25	age	age	NOUN
fsr-3293	26	26	85	85	NUM
fsr-3293	26	27	once	once	SCONJ
fsr-3293	26	28	they	they	PRON
fsr-3293	26	29	survived	survive	VERB
fsr-3293	26	30	to	to	ADP
fsr-3293	26	31	age	age	NOUN
fsr-3293	26	32	75	75	NUM
fsr-3293	26	33	.	.	PUNCT
fsr-3293	27	1	this	this	PRON
fsr-3293	27	2	creates	create	VERB
fsr-3293	27	3	a	a	DET
fsr-3293	27	4	misalignment	misalignment	NOUN
fsr-3293	27	5	in	in	ADP
fsr-3293	27	6	the	the	DET
fsr-3293	27	7	savings	saving	NOUN
fsr-3293	27	8	patterns	pattern	NOUN
fsr-3293	27	9	needed	need	VERB
fsr-3293	27	10	to	to	PART
fsr-3293	27	11	smooth	smooth	VERB
fsr-3293	27	12	consumption	consumption	NOUN
fsr-3293	27	13	because	because	SCONJ
fsr-3293	27	14	the	the	DET
fsr-3293	27	15	initial	initial	ADJ
fsr-3293	27	16	retirement	retirement	NOUN
fsr-3293	27	17	period	period	NOUN
fsr-3293	27	18	planned	plan	VERB
fsr-3293	27	19	for	for	ADP
fsr-3293	27	20	is	be	AUX
fsr-3293	27	21	too	too	ADV
fsr-3293	27	22	short	short	ADJ
fsr-3293	27	23	and	and	CCONJ
fsr-3293	27	24	needs	need	VERB
fsr-3293	27	25	to	to	PART
fsr-3293	27	26	be	be	AUX
fsr-3293	27	27	corrected	correct	VERB
fsr-3293	27	28	for	for	ADP
fsr-3293	27	29	a	a	DET
fsr-3293	27	30	longer	long	ADJ
fsr-3293	27	31	horizon	horizon	NOUN
fsr-3293	27	32	.	.	PUNCT
fsr-3293	28	1	there	there	PRON
fsr-3293	28	2	is	be	VERB
fsr-3293	28	3	some	some	DET
fsr-3293	28	4	evidence	evidence	NOUN
fsr-3293	28	5	to	to	PART
fsr-3293	28	6	support	support	VERB
fsr-3293	28	7	the	the	DET
fsr-3293	28	8	notion	notion	NOUN
fsr-3293	28	9	that	that	SCONJ
fsr-3293	28	10	subjective	subjective	ADJ
fsr-3293	28	11	life	life	NOUN
fsr-3293	28	12	expectancy	expectancy	NOUN
fsr-3293	28	13	influences	influence	VERB
fsr-3293	28	14	saving	save	VERB
fsr-3293	28	15	and	and	CCONJ
fsr-3293	28	16	consumption	consumption	NOUN
fsr-3293	28	17	patterns	pattern	NOUN
fsr-3293	28	18	.	.	PUNCT
fsr-3293	29	1	for	for	ADP
fsr-3293	29	2	example	example	NOUN
fsr-3293	29	3	,	,	PUNCT
fsr-3293	29	4	bloom	bloom	NOUN
fsr-3293	29	5	,	,	PUNCT
fsr-3293	29	6	canning	canning	NOUN
fsr-3293	29	7	,	,	PUNCT
fsr-3293	29	8	moore	moore	PROPN
fsr-3293	29	9	,	,	PUNCT
fsr-3293	29	10	and	and	CCONJ
fsr-3293	29	11	song	song	NOUN
fsr-3293	29	12	’s	’s	PART
fsr-3293	29	13	(	(	PUNCT
fsr-3293	29	14	2006	2006	NUM
fsr-3293	29	15	)	)	PUNCT
fsr-3293	29	16	findings	finding	NOUN
fsr-3293	29	17	show	show	VERB
fsr-3293	29	18	that	that	PRON
fsr-3293	29	19	increased	increase	VERB
fsr-3293	29	20	subjective	subjective	ADJ
fsr-3293	29	21	life	life	NOUN
fsr-3293	29	22	expectancy	expectancy	NOUN
fsr-3293	29	23	yields	yield	VERB
fsr-3293	29	24	increased	increase	VERB
fsr-3293	29	25	savings	saving	NOUN
fsr-3293	29	26	at	at	ADP
fsr-3293	29	27	any	any	DET
fsr-3293	29	28	age	age	NOUN
fsr-3293	29	29	.	.	PUNCT
fsr-3293	30	1	they	they	PRON
fsr-3293	30	2	also	also	ADV
fsr-3293	30	3	look	look	VERB
fsr-3293	30	4	at	at	ADP
fsr-3293	30	5	differences	difference	NOUN
fsr-3293	30	6	between	between	ADP
fsr-3293	30	7	a	a	DET
fsr-3293	30	8	husband	husband	NOUN
fsr-3293	30	9	’s	’s	PART
fsr-3293	30	10	and	and	CCONJ
fsr-3293	30	11	wife	wife	NOUN
fsr-3293	30	12	’s	’s	PART
fsr-3293	30	13	subjective	subjective	ADJ
fsr-3293	30	14	life	life	NOUN
fsr-3293	30	15	expectancy	expectancy	NOUN
fsr-3293	30	16	estimates	estimate	VERB
fsr-3293	30	17	on	on	ADP
fsr-3293	30	18	household	household	NOUN
fsr-3293	30	19	wealth	wealth	NOUN
fsr-3293	30	20	and	and	CCONJ
fsr-3293	30	21	find	find	VERB
fsr-3293	30	22	that	that	SCONJ
fsr-3293	30	23	a	a	DET
fsr-3293	30	24	10	10	NUM
fsr-3293	30	25	%	%	NOUN
fsr-3293	30	26	increase	increase	NOUN
fsr-3293	30	27	in	in	ADP
fsr-3293	30	28	a	a	DET
fsr-3293	30	29	husband	husband	NOUN
fsr-3293	30	30	’s	’s	PART
fsr-3293	30	31	life	life	NOUN
fsr-3293	30	32	expectancy	expectancy	NOUN
fsr-3293	30	33	results	result	VERB
fsr-3293	30	34	in	in	ADP
fsr-3293	30	35	an	an	DET
fsr-3293	30	36	increase	increase	NOUN
fsr-3293	30	37	of	of	ADP
fsr-3293	30	38	household	household	NOUN
fsr-3293	30	39	wealth	wealth	NOUN
fsr-3293	30	40	by	by	ADP
fsr-3293	30	41	$	$	SYM
fsr-3293	30	42	27,600	27,600	NUM
fsr-3293	30	43	,	,	PUNCT
fsr-3293	30	44	and	and	CCONJ
fsr-3293	30	45	a	a	DET
fsr-3293	30	46	10	10	NUM
fsr-3293	30	47	%	%	NOUN
fsr-3293	30	48	increase	increase	NOUN
fsr-3293	30	49	in	in	ADP
fsr-3293	30	50	the	the	DET
fsr-3293	30	51	wife	wife	NOUN
fsr-3293	30	52	’s	’s	PART
fsr-3293	30	53	life	life	NOUN
fsr-3293	30	54	expectancy	expectancy	NOUN
fsr-3293	30	55	results	result	VERB
fsr-3293	30	56	in	in	ADP
fsr-3293	30	57	an	an	DET
fsr-3293	30	58	increase	increase	NOUN
fsr-3293	30	59	in	in	ADP
fsr-3293	30	60	household	household	NOUN
fsr-3293	30	61	wealth	wealth	NOUN
fsr-3293	30	62	by	by	ADP
fsr-3293	30	63	$	$	SYM
fsr-3293	30	64	32,700	32,700	NUM
fsr-3293	30	65	.	.	PUNCT
fsr-3293	31	1	other	other	ADJ
fsr-3293	31	2	findings	finding	NOUN
fsr-3293	31	3	show	show	VERB
fsr-3293	31	4	that	that	SCONJ
fsr-3293	31	5	an	an	DET
fsr-3293	31	6	increase	increase	NOUN
fsr-3293	31	7	in	in	ADP
fsr-3293	31	8	life	life	NOUN
fsr-3293	31	9	expectancy	expectancy	NOUN
fsr-3293	31	10	is	be	AUX
fsr-3293	31	11	associated	associate	VERB
fsr-3293	31	12	with	with	ADP
fsr-3293	31	13	an	an	DET
fsr-3293	31	14	increase	increase	NOUN
fsr-3293	31	15	in	in	ADP
fsr-3293	31	16	savings	saving	NOUN
fsr-3293	31	17	,	,	PUNCT
fsr-3293	31	18	but	but	CCONJ
fsr-3293	31	19	most	most	ADJ
fsr-3293	31	20	of	of	ADP
fsr-3293	31	21	these	these	DET
fsr-3293	31	22	findings	finding	NOUN
fsr-3293	31	23	are	be	AUX
fsr-3293	31	24	based	base	VERB
fsr-3293	31	25	on	on	ADP
fsr-3293	31	26	data	datum	NOUN
fsr-3293	31	27	from	from	ADP
fsr-3293	31	28	east	east	ADJ
fsr-3293	31	29	asian	asian	ADJ
fsr-3293	31	30	countries	country	NOUN
fsr-3293	31	31	because	because	SCONJ
fsr-3293	31	32	of	of	ADP
fsr-3293	31	33	their	their	PRON
fsr-3293	31	34	increases	increase	NOUN
fsr-3293	31	35	in	in	ADP
fsr-3293	31	36	life	life	NOUN
fsr-3293	31	37	expectancies	expectancy	NOUN
fsr-3293	31	38	(	(	PUNCT
fsr-3293	31	39	bloom	bloom	NOUN
fsr-3293	31	40	,	,	PUNCT
fsr-3293	31	41	canning	canning	NOUN
fsr-3293	31	42	,	,	PUNCT
fsr-3293	31	43	&	&	CCONJ
fsr-3293	31	44	graham	graham	PROPN
fsr-3293	31	45	,	,	PUNCT
fsr-3293	31	46	2003	2003	NUM
fsr-3293	31	47	;	;	PUNCT
fsr-3293	31	48	tsai	tsai	PROPN
fsr-3293	31	49	,	,	PUNCT
fsr-3293	31	50	chu	chu	PROPN
fsr-3293	31	51	,	,	PUNCT
fsr-3293	31	52	&	&	CCONJ
fsr-3293	31	53	chung	chung	PROPN
fsr-3293	31	54	,	,	PUNCT
fsr-3293	31	55	2000	2000	NUM
fsr-3293	31	56	)	)	PUNCT
fsr-3293	31	57	.	.	PUNCT
fsr-3293	32	1	yet	yet	ADV
fsr-3293	32	2	,	,	PUNCT
fsr-3293	32	3	other	other	ADJ
fsr-3293	32	4	research	research	NOUN
fsr-3293	32	5	finds	find	VERB
fsr-3293	32	6	contradictory	contradictory	ADJ
fsr-3293	32	7	results	result	NOUN
fsr-3293	32	8	indicating	indicate	VERB
fsr-3293	32	9	that	that	SCONJ
fsr-3293	32	10	rises	rise	VERB
fsr-3293	32	11	in	in	ADP
fsr-3293	32	12	life	life	NOUN
fsr-3293	32	13	expectancy	expectancy	NOUN
fsr-3293	32	14	mostly	mostly	ADV
fsr-3293	32	15	increase	increase	VERB
fsr-3293	32	16	expected	expect	VERB
fsr-3293	32	17	retirement	retirement	NOUN
fsr-3293	32	18	age	age	NOUN
fsr-3293	32	19	when	when	SCONJ
fsr-3293	32	20	individuals	individual	NOUN
fsr-3293	32	21	are	be	AUX
fsr-3293	32	22	not	not	PART
fsr-3293	32	23	subject	subject	ADJ
fsr-3293	32	24	to	to	ADP
fsr-3293	32	25	mandatory	mandatory	ADJ
fsr-3293	32	26	retirement	retirement	NOUN
fsr-3293	32	27	ages	age	NOUN
fsr-3293	32	28	(	(	PUNCT
fsr-3293	32	29	deaton	deaton	PROPN
fsr-3293	32	30	&	&	CCONJ
fsr-3293	32	31	paxson	paxson	PROPN
fsr-3293	32	32	,	,	PUNCT
fsr-3293	32	33	2000	2000	NUM
fsr-3293	32	34	)	)	PUNCT
fsr-3293	32	35	.	.	PUNCT
fsr-3293	33	1	bloom	bloom	NOUN
fsr-3293	33	2	et	et	PROPN
fsr-3293	33	3	al	al	PROPN
fsr-3293	33	4	.	.	PROPN
fsr-3293	34	1	(	(	PUNCT
fsr-3293	34	2	2003	2003	NUM
fsr-3293	34	3	)	)	PUNCT
fsr-3293	34	4	find	find	VERB
fsr-3293	34	5	improved	improved	ADJ
fsr-3293	34	6	health	health	NOUN
fsr-3293	34	7	has	have	VERB
fsr-3293	34	8	an	an	DET
fsr-3293	34	9	ambiguous	ambiguous	ADJ
fsr-3293	34	10	effect	effect	NOUN
fsr-3293	34	11	on	on	ADP
fsr-3293	34	12	savings	saving	NOUN
fsr-3293	34	13	rates	rate	NOUN
fsr-3293	34	14	because	because	SCONJ
fsr-3293	34	15	it	it	PRON
fsr-3293	34	16	may	may	AUX
fsr-3293	34	17	increase	increase	VERB
fsr-3293	34	18	remaining	remain	VERB
fsr-3293	34	19	work	work	NOUN
fsr-3293	34	20	life	life	NOUN
fsr-3293	34	21	expectancy	expectancy	NOUN
fsr-3293	34	22	.	.	PUNCT
fsr-3293	35	1	because	because	SCONJ
fsr-3293	35	2	of	of	ADP
fsr-3293	35	3	this	this	PRON
fsr-3293	35	4	,	,	PUNCT
fsr-3293	35	5	savings	saving	NOUN
fsr-3293	35	6	rates	rate	NOUN
fsr-3293	35	7	do	do	AUX
fsr-3293	35	8	not	not	PART
fsr-3293	35	9	necessarily	necessarily	ADV
fsr-3293	35	10	need	need	VERB
fsr-3293	35	11	to	to	PART
fsr-3293	35	12	increase	increase	VERB
fsr-3293	35	13	because	because	SCONJ
fsr-3293	35	14	compounded	compound	VERB
fsr-3293	35	15	interest	interest	NOUN
fsr-3293	35	16	on	on	ADP
fsr-3293	35	17	current	current	ADJ
fsr-3293	35	18	savings	saving	NOUN
fsr-3293	35	19	can	can	AUX
fsr-3293	35	20	help	help	VERB
fsr-3293	35	21	cover	cover	VERB
fsr-3293	35	22	expenditures	expenditure	NOUN
fsr-3293	35	23	later	later	ADV
fsr-3293	35	24	on	on	ADV
fsr-3293	35	25	(	(	PUNCT
fsr-3293	35	26	bloom	bloom	NOUN
fsr-3293	35	27	,	,	PUNCT
fsr-3293	35	28	canning	canning	NOUN
fsr-3293	35	29	,	,	PUNCT
fsr-3293	35	30	&	&	CCONJ
fsr-3293	35	31	moore	moore	PROPN
fsr-3293	35	32	,	,	PUNCT
fsr-3293	35	33	2004	2004	NUM
fsr-3293	35	34	)	)	PUNCT
fsr-3293	35	35	.	.	PUNCT
fsr-3293	36	1	spaenjers	spaenjer	NOUN
fsr-3293	36	2	and	and	CCONJ
fsr-3293	36	3	spira	spira	PROPN
fsr-3293	36	4	(	(	PUNCT
fsr-3293	36	5	2015	2015	NUM
fsr-3293	36	6	)	)	PUNCT
fsr-3293	36	7	analyze	analyze	VERB
fsr-3293	36	8	the	the	DET
fsr-3293	36	9	empirical	empirical	ADJ
fsr-3293	36	10	relationship	relationship	NOUN
fsr-3293	36	11	between	between	ADP
fsr-3293	36	12	subjective	subjective	ADJ
fsr-3293	36	13	life	life	NOUN
fsr-3293	36	14	expectancy	expectancy	NOUN
fsr-3293	36	15	and	and	CCONJ
fsr-3293	36	16	portfolio	portfolio	NOUN
fsr-3293	36	17	choice	choice	NOUN
fsr-3293	36	18	.	.	PUNCT
fsr-3293	37	1	their	their	PRON
fsr-3293	37	2	findings	finding	NOUN
fsr-3293	37	3	show	show	VERB
fsr-3293	37	4	that	that	SCONJ
fsr-3293	37	5	life	life	NOUN
fsr-3293	37	6	expectancy	expectancy	NOUN
fsr-3293	37	7	positively	positively	ADV
fsr-3293	37	8	influenced	influence	VERB
fsr-3293	37	9	the	the	DET
fsr-3293	37	10	amount	amount	NOUN
fsr-3293	37	11	allocated	allocate	VERB
fsr-3293	37	12	towards	towards	ADP
fsr-3293	37	13	equities	equity	NOUN
fsr-3293	37	14	within	within	ADP
fsr-3293	37	15	portfolios	portfolio	NOUN
fsr-3293	37	16	.	.	PUNCT
fsr-3293	38	1	that	that	PRON
fsr-3293	38	2	is	be	AUX
fsr-3293	38	3	,	,	PUNCT
fsr-3293	38	4	after	after	ADP
fsr-3293	38	5	controlling	control	VERB
fsr-3293	38	6	for	for	ADP
fsr-3293	38	7	2	2	NUM
fsr-3293	38	8	d.r	d.r	PROPN
fsr-3293	38	9	.	.	PROPN
fsr-3293	38	10	lawson	lawson	PROPN
fsr-3293	38	11	,	,	PUNCT
fsr-3293	38	12	s.j	s.j	PROPN
fsr-3293	38	13	.	.	PROPN
fsr-3293	38	14	heckman	heckman	PROPN
fsr-3293	38	15	/	/	SYM
fsr-3293	38	16	financial	financial	PROPN
fsr-3293	38	17	services	service	NOUN
fsr-3293	38	18	review	review	VERB
fsr-3293	38	19	26	26	NUM
fsr-3293	38	20	(	(	PUNCT
fsr-3293	38	21	2017	2017	NUM
fsr-3293	38	22	)	)	PUNCT
fsr-3293	38	23	1–18	1–18	NUM
fsr-3293	38	24	effects	effect	NOUN
fsr-3293	38	25	related	relate	VERB
fsr-3293	38	26	to	to	ADP
fsr-3293	38	27	gender	gender	NOUN
fsr-3293	38	28	-	-	PUNCT
fsr-3293	38	29	specific	specific	ADJ
fsr-3293	38	30	age	age	NOUN
fsr-3293	38	31	,	,	PUNCT
fsr-3293	38	32	health	health	NOUN
fsr-3293	38	33	,	,	PUNCT
fsr-3293	38	34	and	and	CCONJ
fsr-3293	38	35	other	other	ADJ
fsr-3293	38	36	socioeconomic	socioeconomic	ADJ
fsr-3293	38	37	characteristics	characteristic	NOUN
fsr-3293	38	38	,	,	PUNCT
fsr-3293	38	39	people	people	NOUN
fsr-3293	38	40	with	with	ADP
fsr-3293	38	41	longer	long	ADJ
fsr-3293	38	42	life	life	NOUN
fsr-3293	38	43	expectancies	expectancy	NOUN
fsr-3293	38	44	have	have	VERB
fsr-3293	38	45	greater	great	ADJ
fsr-3293	38	46	amounts	amount	NOUN
fsr-3293	38	47	of	of	ADP
fsr-3293	38	48	equities	equity	NOUN
fsr-3293	38	49	than	than	ADP
fsr-3293	38	50	their	their	PRON
fsr-3293	38	51	counterparts	counterpart	NOUN
fsr-3293	38	52	.	.	PUNCT
fsr-3293	39	1	they	they	PRON
fsr-3293	39	2	also	also	ADV
fsr-3293	39	3	compare	compare	VERB
fsr-3293	39	4	people	people	NOUN
fsr-3293	39	5	with	with	ADP
fsr-3293	39	6	the	the	DET
fsr-3293	39	7	same	same	ADJ
fsr-3293	39	8	subjective	subjective	ADJ
fsr-3293	39	9	life	life	NOUN
fsr-3293	39	10	expectancies	expectancy	NOUN
fsr-3293	39	11	to	to	PART
fsr-3293	39	12	see	see	VERB
fsr-3293	39	13	if	if	SCONJ
fsr-3293	39	14	bequest	bequest	NOUN
fsr-3293	39	15	motives	motive	NOUN
fsr-3293	39	16	make	make	VERB
fsr-3293	39	17	a	a	DET
fsr-3293	39	18	difference	difference	NOUN
fsr-3293	39	19	on	on	ADP
fsr-3293	39	20	portfolio	portfolio	NOUN
fsr-3293	39	21	allocations	allocation	NOUN
fsr-3293	39	22	.	.	PUNCT
fsr-3293	40	1	they	they	PRON
fsr-3293	40	2	find	find	VERB
fsr-3293	40	3	that	that	SCONJ
fsr-3293	40	4	those	those	PRON
fsr-3293	40	5	without	without	ADP
fsr-3293	40	6	bequest	bequest	NOUN
fsr-3293	40	7	motives	motive	NOUN
fsr-3293	40	8	had	have	VERB
fsr-3293	40	9	a	a	DET
fsr-3293	40	10	decreased	decrease	VERB
fsr-3293	40	11	equity	equity	NOUN
fsr-3293	40	12	allocation	allocation	NOUN
fsr-3293	40	13	as	as	SCONJ
fsr-3293	40	14	compared	compare	VERB
fsr-3293	40	15	to	to	ADP
fsr-3293	40	16	those	those	PRON
fsr-3293	40	17	with	with	ADP
fsr-3293	40	18	bequest	bequest	NOUN
fsr-3293	40	19	motives	motive	NOUN
fsr-3293	40	20	,	,	PUNCT
fsr-3293	40	21	indicating	indicate	VERB
fsr-3293	40	22	that	that	SCONJ
fsr-3293	40	23	people	people	NOUN
fsr-3293	40	24	with	with	ADP
fsr-3293	40	25	bequest	bequest	NOUN
fsr-3293	40	26	motives	motive	NOUN
fsr-3293	40	27	may	may	AUX
fsr-3293	40	28	view	view	VERB
fsr-3293	40	29	their	their	PRON
fsr-3293	40	30	life	life	NOUN
fsr-3293	40	31	horizons	horizon	NOUN
fsr-3293	40	32	as	as	ADP
fsr-3293	40	33	“	"	PUNCT
fsr-3293	40	34	indefinite	indefinite	ADJ
fsr-3293	40	35	”	"	PUNCT
fsr-3293	40	36	(	(	PUNCT
fsr-3293	40	37	spaenjers	spaenjer	NOUN
fsr-3293	40	38	&	&	CCONJ
fsr-3293	40	39	spira	spira	PROPN
fsr-3293	40	40	,	,	PUNCT
fsr-3293	40	41	2015	2015	NUM
fsr-3293	40	42	,	,	PUNCT
fsr-3293	40	43	p.	p.	NOUN
fsr-3293	40	44	104	104	NUM
fsr-3293	40	45	)	)	PUNCT
fsr-3293	40	46	.	.	PUNCT
fsr-3293	41	1	an	an	DET
fsr-3293	41	2	important	important	ADJ
fsr-3293	41	3	consideration	consideration	NOUN
fsr-3293	41	4	for	for	ADP
fsr-3293	41	5	retirement	retirement	NOUN
fsr-3293	41	6	planning	planning	NOUN
fsr-3293	41	7	and	and	CCONJ
fsr-3293	41	8	savings	saving	NOUN
fsr-3293	41	9	decisions	decision	NOUN
fsr-3293	41	10	is	be	AUX
fsr-3293	41	11	an	an	DET
fsr-3293	41	12	individual	individual	NOUN
fsr-3293	41	13	’s	’s	PART
fsr-3293	41	14	planned	plan	VERB
fsr-3293	41	15	retirement	retirement	NOUN
fsr-3293	41	16	age	age	NOUN
fsr-3293	41	17	.	.	PUNCT
fsr-3293	42	1	montalto	montalto	PROPN
fsr-3293	42	2	,	,	PUNCT
fsr-3293	42	3	yuh	yuh	PROPN
fsr-3293	42	4	,	,	PUNCT
fsr-3293	42	5	and	and	CCONJ
fsr-3293	42	6	hanna	hanna	PROPN
fsr-3293	42	7	(	(	PUNCT
fsr-3293	42	8	2000	2000	NUM
fsr-3293	42	9	)	)	PUNCT
fsr-3293	42	10	examine	examine	VERB
fsr-3293	42	11	the	the	DET
fsr-3293	42	12	determinants	determinant	NOUN
fsr-3293	42	13	of	of	ADP
fsr-3293	42	14	planned	plan	VERB
fsr-3293	42	15	retirement	retirement	NOUN
fsr-3293	42	16	age	age	NOUN
fsr-3293	42	17	before	before	ADP
fsr-3293	42	18	retirement	retirement	NOUN
fsr-3293	42	19	.	.	PUNCT
fsr-3293	43	1	they	they	PRON
fsr-3293	43	2	find	find	VERB
fsr-3293	43	3	that	that	SCONJ
fsr-3293	43	4	as	as	SCONJ
fsr-3293	43	5	people	people	NOUN
fsr-3293	43	6	get	get	VERB
fsr-3293	43	7	older	old	ADJ
fsr-3293	43	8	their	their	PRON
fsr-3293	43	9	planned	plan	VERB
fsr-3293	43	10	retirement	retirement	NOUN
fsr-3293	43	11	age	age	NOUN
fsr-3293	43	12	also	also	ADV
fsr-3293	43	13	increases	increase	VERB
fsr-3293	43	14	.	.	PUNCT
fsr-3293	44	1	specifically	specifically	ADV
fsr-3293	44	2	,	,	PUNCT
fsr-3293	44	3	they	they	PRON
fsr-3293	44	4	find	find	VERB
fsr-3293	44	5	that	that	SCONJ
fsr-3293	44	6	as	as	SCONJ
fsr-3293	44	7	full	full	ADJ
fsr-3293	44	8	-	-	PUNCT
fsr-3293	44	9	time	time	NOUN
fsr-3293	44	10	workers	worker	NOUN
fsr-3293	44	11	age	age	VERB
fsr-3293	44	12	from	from	ADP
fsr-3293	44	13	35	35	NUM
fsr-3293	44	14	to	to	ADP
fsr-3293	44	15	45	45	NUM
fsr-3293	44	16	,	,	PUNCT
fsr-3293	44	17	their	their	PRON
fsr-3293	44	18	expected	expect	VERB
fsr-3293	44	19	retirement	retirement	NOUN
fsr-3293	44	20	age	age	NOUN
fsr-3293	44	21	increases	increase	VERB
fsr-3293	44	22	by	by	ADP
fsr-3293	44	23	1.08	1.08	NUM
fsr-3293	44	24	years	year	NOUN
fsr-3293	44	25	,	,	PUNCT
fsr-3293	44	26	while	while	SCONJ
fsr-3293	44	27	workers	worker	NOUN
fsr-3293	44	28	aging	age	VERB
fsr-3293	44	29	from	from	ADP
fsr-3293	44	30	45	45	NUM
fsr-3293	44	31	to	to	ADP
fsr-3293	44	32	55	55	NUM
fsr-3293	44	33	,	,	PUNCT
fsr-3293	44	34	increase	increase	VERB
fsr-3293	44	35	their	their	PRON
fsr-3293	44	36	expected	expect	VERB
fsr-3293	44	37	retirement	retirement	NOUN
fsr-3293	44	38	age	age	NOUN
fsr-3293	44	39	by	by	ADP
fsr-3293	44	40	3.41	3.41	NUM
fsr-3293	44	41	years	year	NOUN
fsr-3293	44	42	.	.	PUNCT
fsr-3293	45	1	finally	finally	ADV
fsr-3293	45	2	,	,	PUNCT
fsr-3293	45	3	those	those	DET
fsr-3293	45	4	workers	worker	NOUN
fsr-3293	45	5	aging	age	VERB
fsr-3293	45	6	from	from	ADP
fsr-3293	45	7	55	55	NUM
fsr-3293	45	8	to	to	PART
fsr-3293	45	9	65	65	NUM
fsr-3293	45	10	increase	increase	VERB
fsr-3293	45	11	their	their	PRON
fsr-3293	45	12	expected	expect	VERB
fsr-3293	45	13	retirement	retirement	NOUN
fsr-3293	45	14	date	date	NOUN
fsr-3293	45	15	by	by	ADP
fsr-3293	45	16	5.72	5.72	NUM
fsr-3293	45	17	years	year	NOUN
fsr-3293	45	18	.	.	PUNCT
fsr-3293	46	1	they	they	PRON
fsr-3293	46	2	also	also	ADV
fsr-3293	46	3	find	find	VERB
fsr-3293	46	4	that	that	SCONJ
fsr-3293	46	5	life	life	NOUN
fsr-3293	46	6	expectancy	expectancy	NOUN
fsr-3293	46	7	,	,	PUNCT
fsr-3293	46	8	non	non	ADJ
fsr-3293	46	9	-	-	ADJ
fsr-3293	46	10	investment	investment	ADJ
fsr-3293	46	11	income	income	NOUN
fsr-3293	46	12	,	,	PUNCT
fsr-3293	46	13	and	and	CCONJ
fsr-3293	46	14	educational	educational	ADJ
fsr-3293	46	15	attainment	attainment	NOUN
fsr-3293	46	16	are	be	AUX
fsr-3293	46	17	all	all	PRON
fsr-3293	46	18	positively	positively	ADV
fsr-3293	46	19	associated	associate	VERB
fsr-3293	46	20	with	with	ADP
fsr-3293	46	21	planned	plan	VERB
fsr-3293	46	22	retirement	retirement	NOUN
fsr-3293	46	23	age	age	NOUN
fsr-3293	46	24	.	.	PUNCT
fsr-3293	47	1	financial	financial	ADJ
fsr-3293	47	2	assets	asset	NOUN
fsr-3293	47	3	(	(	PUNCT
fsr-3293	47	4	excluding	exclude	VERB
fsr-3293	47	5	ira	ira	PROPN
fsr-3293	47	6	/	/	SYM
fsr-3293	47	7	keogh	keogh	PROPN
fsr-3293	47	8	and	and	CCONJ
fsr-3293	47	9	defined	define	VERB
fsr-3293	47	10	contribution	contribution	NOUN
fsr-3293	47	11	plans	plan	NOUN
fsr-3293	47	12	)	)	PUNCT
fsr-3293	47	13	,	,	PUNCT
fsr-3293	47	14	having	have	VERB
fsr-3293	47	15	a	a	DET
fsr-3293	47	16	defined	define	VERB
fsr-3293	47	17	benefit	benefit	NOUN
fsr-3293	47	18	plan	plan	NOUN
fsr-3293	47	19	,	,	PUNCT
fsr-3293	47	20	and	and	CCONJ
fsr-3293	47	21	low	low	ADJ
fsr-3293	47	22	-	-	PUNCT
fsr-3293	47	23	skilled	skilled	ADJ
fsr-3293	47	24	occupations	occupation	NOUN
fsr-3293	47	25	are	be	AUX
fsr-3293	47	26	negatively	negatively	ADV
fsr-3293	47	27	associated	associate	VERB
fsr-3293	47	28	with	with	ADP
fsr-3293	47	29	expected	expect	VERB
fsr-3293	47	30	retirement	retirement	NOUN
fsr-3293	47	31	age	age	NOUN
fsr-3293	47	32	(	(	PUNCT
fsr-3293	47	33	montalto	montalto	PROPN
fsr-3293	47	34	et	et	PROPN
fsr-3293	47	35	al	al	PROPN
fsr-3293	47	36	.	.	PROPN
fsr-3293	47	37	,	,	PUNCT
fsr-3293	47	38	2000	2000	NUM
fsr-3293	47	39	)	)	PUNCT
fsr-3293	47	40	.	.	PUNCT
fsr-3293	48	1	1.2	1.2	NUM
fsr-3293	48	2	.	.	X
fsr-3293	48	3	summary	summary	NOUN
fsr-3293	48	4	and	and	CCONJ
fsr-3293	48	5	gap	gap	NOUN
fsr-3293	48	6	while	while	SCONJ
fsr-3293	48	7	subjective	subjective	ADJ
fsr-3293	48	8	life	life	NOUN
fsr-3293	48	9	expectancy	expectancy	NOUN
fsr-3293	48	10	has	have	AUX
fsr-3293	48	11	been	be	AUX
fsr-3293	48	12	shown	show	VERB
fsr-3293	48	13	to	to	PART
fsr-3293	48	14	influence	influence	VERB
fsr-3293	48	15	consumer	consumer	NOUN
fsr-3293	48	16	savings	saving	NOUN
fsr-3293	48	17	(	(	PUNCT
fsr-3293	48	18	bloom	bloom	NOUN
fsr-3293	48	19	et	et	PROPN
fsr-3293	48	20	al	al	PROPN
fsr-3293	48	21	.	.	PROPN
fsr-3293	48	22	,	,	PUNCT
fsr-3293	48	23	2003	2003	NUM
fsr-3293	48	24	)	)	PUNCT
fsr-3293	48	25	,	,	PUNCT
fsr-3293	48	26	there	there	PRON
fsr-3293	48	27	is	be	VERB
fsr-3293	48	28	little	little	ADJ
fsr-3293	48	29	empirical	empirical	ADJ
fsr-3293	48	30	research	research	NOUN
fsr-3293	48	31	examining	examine	VERB
fsr-3293	48	32	the	the	DET
fsr-3293	48	33	influence	influence	NOUN
fsr-3293	48	34	on	on	ADP
fsr-3293	48	35	household	household	NOUN
fsr-3293	48	36	consumption	consumption	NOUN
fsr-3293	48	37	behavior	behavior	NOUN
fsr-3293	48	38	,	,	PUNCT
fsr-3293	48	39	particularly	particularly	ADV
fsr-3293	48	40	when	when	SCONJ
fsr-3293	48	41	using	use	VERB
fsr-3293	48	42	the	the	DET
fsr-3293	48	43	survey	survey	NOUN
fsr-3293	48	44	of	of	ADP
fsr-3293	48	45	consumer	consumer	NOUN
fsr-3293	48	46	finances	finance	NOUN
fsr-3293	48	47	(	(	PUNCT
fsr-3293	48	48	scf	scf	PROPN
fsr-3293	48	49	)	)	PUNCT
fsr-3293	48	50	.	.	PUNCT
fsr-3293	49	1	other	other	ADJ
fsr-3293	49	2	research	research	NOUN
fsr-3293	49	3	utilizing	utilize	VERB
fsr-3293	49	4	the	the	DET
fsr-3293	49	5	scf	scf	PROPN
fsr-3293	49	6	finds	find	VERB
fsr-3293	49	7	subjective	subjective	ADJ
fsr-3293	49	8	life	life	NOUN
fsr-3293	49	9	expectancy	expectancy	NOUN
fsr-3293	49	10	influences	influence	VERB
fsr-3293	49	11	annuity	annuity	NOUN
fsr-3293	49	12	purchase	purchase	NOUN
fsr-3293	49	13	decisions	decision	NOUN
fsr-3293	49	14	(	(	PUNCT
fsr-3293	49	15	gupta	gupta	PROPN
fsr-3293	49	16	&	&	CCONJ
fsr-3293	49	17	li	li	PROPN
fsr-3293	49	18	,	,	PUNCT
fsr-3293	49	19	2012	2012	NUM
fsr-3293	49	20	)	)	PUNCT
fsr-3293	49	21	and	and	CCONJ
fsr-3293	49	22	construction	construction	NOUN
fsr-3293	49	23	of	of	ADP
fsr-3293	49	24	investment	investment	NOUN
fsr-3293	49	25	portfolios	portfolio	NOUN
fsr-3293	49	26	(	(	PUNCT
fsr-3293	49	27	spaenjers	spaenjer	NOUN
fsr-3293	49	28	&	&	CCONJ
fsr-3293	49	29	spira	spira	PROPN
fsr-3293	49	30	,	,	PUNCT
fsr-3293	49	31	2015	2015	NUM
fsr-3293	49	32	)	)	PUNCT
fsr-3293	49	33	.	.	PUNCT
fsr-3293	50	1	therefore	therefore	ADV
fsr-3293	50	2	,	,	PUNCT
fsr-3293	50	3	the	the	DET
fsr-3293	50	4	current	current	ADJ
fsr-3293	50	5	study	study	NOUN
fsr-3293	50	6	explores	explore	VERB
fsr-3293	50	7	the	the	DET
fsr-3293	50	8	following	follow	VERB
fsr-3293	50	9	research	research	NOUN
fsr-3293	50	10	question	question	NOUN
fsr-3293	50	11	:	:	PUNCT
fsr-3293	50	12	rq	rq	X
fsr-3293	50	13	:	:	PUNCT
fsr-3293	50	14	what	what	DET
fsr-3293	50	15	effect	effect	NOUN
fsr-3293	50	16	do	do	VERB
fsr-3293	50	17	subjective	subjective	ADJ
fsr-3293	50	18	estimates	estimate	NOUN
fsr-3293	50	19	of	of	ADP
fsr-3293	50	20	life	life	NOUN
fsr-3293	50	21	expectancy	expectancy	NOUN
fsr-3293	50	22	have	have	AUX
fsr-3293	50	23	on	on	ADP
fsr-3293	50	24	consumption	consumption	NOUN
fsr-3293	50	25	decisions	decision	NOUN
fsr-3293	50	26	?	?	PUNCT
fsr-3293	51	1	1.3	1.3	NUM
fsr-3293	51	2	.	.	PUNCT
fsr-3293	52	1	theoretical	theoretical	ADJ
fsr-3293	52	2	framework	framework	NOUN
fsr-3293	52	3	1.3.1	1.3.1	NUM
fsr-3293	52	4	.	.	PUNCT
fsr-3293	52	5	life	life	NOUN
fsr-3293	52	6	cycle	cycle	NOUN
fsr-3293	52	7	hypothesis	hypothesis	NOUN
fsr-3293	52	8	first	first	ADV
fsr-3293	52	9	posited	posit	VERB
fsr-3293	52	10	by	by	ADP
fsr-3293	52	11	modigliani	modigliani	PROPN
fsr-3293	52	12	and	and	CCONJ
fsr-3293	52	13	brumberg	brumberg	PROPN
fsr-3293	52	14	(	(	PUNCT
fsr-3293	52	15	1954	1954	NUM
fsr-3293	52	16	)	)	PUNCT
fsr-3293	52	17	,	,	PUNCT
fsr-3293	52	18	the	the	DET
fsr-3293	52	19	life	life	NOUN
fsr-3293	52	20	cycle	cycle	NOUN
fsr-3293	52	21	hypothesis	hypothesis	NOUN
fsr-3293	52	22	is	be	AUX
fsr-3293	52	23	driven	drive	VERB
fsr-3293	52	24	by	by	ADP
fsr-3293	52	25	individual	individual	ADJ
fsr-3293	52	26	utility	utility	NOUN
fsr-3293	52	27	—	—	PUNCT
fsr-3293	52	28	a	a	DET
fsr-3293	52	29	function	function	NOUN
fsr-3293	52	30	of	of	ADP
fsr-3293	52	31	an	an	DET
fsr-3293	52	32	individual	individual	NOUN
fsr-3293	52	33	’s	’s	PART
fsr-3293	52	34	aggregate	aggregate	ADJ
fsr-3293	52	35	consumption	consumption	NOUN
fsr-3293	52	36	.	.	PUNCT
fsr-3293	53	1	in	in	ADP
fsr-3293	53	2	this	this	DET
fsr-3293	53	3	model	model	NOUN
fsr-3293	53	4	,	,	PUNCT
fsr-3293	53	5	it	it	PRON
fsr-3293	53	6	is	be	AUX
fsr-3293	53	7	assumed	assume	VERB
fsr-3293	53	8	that	that	SCONJ
fsr-3293	53	9	individuals	individual	NOUN
fsr-3293	53	10	aim	aim	VERB
fsr-3293	53	11	to	to	PART
fsr-3293	53	12	maximize	maximize	VERB
fsr-3293	53	13	their	their	PRON
fsr-3293	53	14	lifetime	lifetime	NOUN
fsr-3293	53	15	utility	utility	NOUN
fsr-3293	53	16	given	give	VERB
fsr-3293	53	17	their	their	PRON
fsr-3293	53	18	total	total	ADJ
fsr-3293	53	19	lifetime	lifetime	NOUN
fsr-3293	53	20	wealth	wealth	NOUN
fsr-3293	53	21	,	,	PUNCT
fsr-3293	53	22	w	w	PROPN
fsr-3293	53	23	,	,	PUNCT
fsr-3293	53	24	which	which	PRON
fsr-3293	53	25	is	be	AUX
fsr-3293	53	26	the	the	DET
fsr-3293	53	27	summation	summation	NOUN
fsr-3293	53	28	of	of	ADP
fsr-3293	53	29	one	one	NUM
fsr-3293	53	30	’s	’s	PART
fsr-3293	53	31	current	current	ADJ
fsr-3293	53	32	level	level	NOUN
fsr-3293	53	33	of	of	ADP
fsr-3293	53	34	resources	resource	NOUN
fsr-3293	53	35	(	(	PUNCT
fsr-3293	53	36	a0	a0	NOUN
fsr-3293	53	37	)	)	PUNCT
fsr-3293	53	38	and	and	CCONJ
fsr-3293	53	39	their	their	PRON
fsr-3293	53	40	future	future	ADJ
fsr-3293	53	41	earnings	earning	NOUN
fsr-3293	53	42	(	(	PUNCT
fsr-3293	53	43	h	h	NOUN
fsr-3293	53	44	)	)	PUNCT
fsr-3293	53	45	(	(	PUNCT
fsr-3293	53	46	yuh	yuh	PROPN
fsr-3293	53	47	&	&	CCONJ
fsr-3293	53	48	hanna	hanna	PROPN
fsr-3293	53	49	,	,	PUNCT
fsr-3293	53	50	2010	2010	NUM
fsr-3293	53	51	)	)	PUNCT
fsr-3293	53	52	.	.	PUNCT
fsr-3293	54	1	w	w	PROPN
fsr-3293	54	2	�	�	PROPN
fsr-3293	54	3	a0	a0	PROPN
fsr-3293	54	4	�	�	PROPN
fsr-3293	54	5	h	h	NOUN
fsr-3293	54	6	if	if	SCONJ
fsr-3293	54	7	there	there	PRON
fsr-3293	54	8	is	be	VERB
fsr-3293	54	9	no	no	DET
fsr-3293	54	10	uncertainty	uncertainty	NOUN
fsr-3293	54	11	about	about	ADP
fsr-3293	54	12	remaining	remain	VERB
fsr-3293	54	13	work	work	NOUN
fsr-3293	54	14	life	life	NOUN
fsr-3293	54	15	expectancy	expectancy	NOUN
fsr-3293	54	16	(	(	PUNCT
fsr-3293	54	17	rwle	rwle	ADJ
fsr-3293	54	18	)	)	PUNCT
fsr-3293	54	19	and	and	CCONJ
fsr-3293	54	20	retirement	retirement	NOUN
fsr-3293	54	21	life	life	NOUN
fsr-3293	54	22	expectancy	expectancy	NOUN
fsr-3293	54	23	(	(	PUNCT
fsr-3293	54	24	rle	rle	NOUN
fsr-3293	54	25	)	)	PUNCT
fsr-3293	54	26	,	,	PUNCT
fsr-3293	54	27	and	and	CCONJ
fsr-3293	54	28	a	a	DET
fsr-3293	54	29	zero	zero	NUM
fsr-3293	54	30	real	real	ADJ
fsr-3293	54	31	rate	rate	NOUN
fsr-3293	54	32	of	of	ADP
fsr-3293	54	33	interest	interest	NOUN
fsr-3293	54	34	,	,	PUNCT
fsr-3293	54	35	as	as	SCONJ
fsr-3293	54	36	initially	initially	ADV
fsr-3293	54	37	assumed	assume	VERB
fsr-3293	54	38	in	in	ADP
fsr-3293	54	39	modigliani	modigliani	PROPN
fsr-3293	54	40	and	and	CCONJ
fsr-3293	54	41	brumberg	brumberg	PROPN
fsr-3293	54	42	’s	’s	PART
fsr-3293	54	43	model	model	NOUN
fsr-3293	54	44	,	,	PUNCT
fsr-3293	54	45	then	then	ADV
fsr-3293	54	46	optimal	optimal	ADJ
fsr-3293	54	47	consumption	consumption	NOUN
fsr-3293	54	48	,	,	PUNCT
fsr-3293	54	49	c	c	X
fsr-3293	54	50	,	,	PUNCT
fsr-3293	54	51	is	be	AUX
fsr-3293	54	52	equal	equal	ADJ
fsr-3293	54	53	to	to	PART
fsr-3293	54	54	total	total	VERB
fsr-3293	54	55	wealth	wealth	NOUN
fsr-3293	54	56	divided	divide	VERB
fsr-3293	54	57	by	by	ADP
fsr-3293	54	58	total	total	ADJ
fsr-3293	54	59	life	life	NOUN
fsr-3293	54	60	expectancy	expectancy	NOUN
fsr-3293	54	61	(	(	PUNCT
fsr-3293	54	62	where	where	SCONJ
fsr-3293	54	63	le	le	X
fsr-3293	54	64	�	�	PROPN
fsr-3293	54	65	rwle	rwle	PROPN
fsr-3293	54	66	�	�	PROPN
fsr-3293	54	67	rle	rle	PROPN
fsr-3293	54	68	):	):	PUNCT
fsr-3293	54	69	3d.r	3d.r	NUM
fsr-3293	54	70	.	.	X
fsr-3293	54	71	lawson	lawson	PROPN
fsr-3293	54	72	,	,	PUNCT
fsr-3293	54	73	s.j	s.j	PROPN
fsr-3293	54	74	.	.	PROPN
fsr-3293	54	75	heckman	heckman	PROPN
fsr-3293	54	76	/	/	SYM
fsr-3293	54	77	financial	financial	PROPN
fsr-3293	54	78	services	service	NOUN
fsr-3293	54	79	review	review	VERB
fsr-3293	54	80	26	26	NUM
fsr-3293	54	81	(	(	PUNCT
fsr-3293	54	82	2017	2017	NUM
fsr-3293	54	83	)	)	PUNCT
fsr-3293	54	84	1–18	1–18	PROPN
fsr-3293	54	85	c	c	NOUN
fsr-3293	54	86	�	�	PROPN
fsr-3293	54	87	w	w	PROPN
fsr-3293	54	88	le	le	PROPN
fsr-3293	54	89	to	to	PART
fsr-3293	54	90	smooth	smooth	VERB
fsr-3293	54	91	consumption	consumption	NOUN
fsr-3293	54	92	,	,	PUNCT
fsr-3293	54	93	individuals	individual	NOUN
fsr-3293	54	94	may	may	AUX
fsr-3293	54	95	borrow	borrow	VERB
fsr-3293	54	96	initially	initially	ADV
fsr-3293	54	97	until	until	SCONJ
fsr-3293	54	98	income	income	NOUN
fsr-3293	54	99	is	be	AUX
fsr-3293	54	100	high	high	ADJ
fsr-3293	54	101	enough	enough	ADV
fsr-3293	54	102	to	to	PART
fsr-3293	54	103	support	support	VERB
fsr-3293	54	104	expenses	expense	NOUN
fsr-3293	54	105	.	.	PUNCT
fsr-3293	55	1	they	they	PRON
fsr-3293	55	2	then	then	ADV
fsr-3293	55	3	save	save	VERB
fsr-3293	55	4	when	when	SCONJ
fsr-3293	55	5	income	income	NOUN
fsr-3293	55	6	is	be	AUX
fsr-3293	55	7	above	above	ADP
fsr-3293	55	8	expenses	expense	NOUN
fsr-3293	55	9	and	and	CCONJ
fsr-3293	55	10	dissave	dissave	NOUN
fsr-3293	55	11	during	during	ADP
fsr-3293	55	12	retirement	retirement	NOUN
fsr-3293	55	13	.	.	PUNCT
fsr-3293	56	1	ando	ando	PROPN
fsr-3293	56	2	and	and	CCONJ
fsr-3293	56	3	modigliani	modigliani	PROPN
fsr-3293	56	4	(	(	PUNCT
fsr-3293	56	5	1963	1963	NUM
fsr-3293	56	6	)	)	PUNCT
fsr-3293	56	7	present	present	VERB
fsr-3293	56	8	the	the	DET
fsr-3293	56	9	following	follow	VERB
fsr-3293	56	10	equation	equation	NOUN
fsr-3293	56	11	for	for	ADP
fsr-3293	56	12	total	total	ADJ
fsr-3293	56	13	consumption	consumption	NOUN
fsr-3293	56	14	,	,	PUNCT
fsr-3293	57	1	c	c	X
fsr-3293	57	2	,	,	PUNCT
fsr-3293	57	3	in	in	ADP
fsr-3293	57	4	year	year	NOUN
fsr-3293	57	5	t	t	PROPN
fsr-3293	57	6	,	,	PUNCT
fsr-3293	57	7	for	for	ADP
fsr-3293	57	8	a	a	DET
fsr-3293	57	9	person	person	NOUN
fsr-3293	57	10	that	that	PRON
fsr-3293	57	11	is	be	AUX
fsr-3293	57	12	age	age	NOUN
fsr-3293	57	13	t	t	PROPN
fsr-3293	57	14	:	:	PUNCT
fsr-3293	57	15	ct	ct	PROPN
fsr-3293	57	16	t	t	PROPN
fsr-3293	57	17	�	�	PROPN
fsr-3293	57	18	�	�	PROPN
fsr-3293	57	19	t	t	PROPN
fsr-3293	57	20	t	t	PROPN
fsr-3293	57	21	�	�	PROPN
fsr-3293	57	22	t	t	PROPN
fsr-3293	57	23	t	t	PROPN
fsr-3293	57	24	where	where	SCONJ
fsr-3293	57	25	�	�	PROPN
fsr-3293	57	26	t	t	PROPN
fsr-3293	57	27	t	t	NOUN
fsr-3293	57	28	represents	represent	VERB
fsr-3293	57	29	what	what	PRON
fsr-3293	57	30	ando	ando	PROPN
fsr-3293	57	31	and	and	CCONJ
fsr-3293	57	32	modigliani	modigliani	PROPN
fsr-3293	57	33	(	(	PUNCT
fsr-3293	57	34	1963	1963	NUM
fsr-3293	57	35	)	)	PUNCT
fsr-3293	57	36	call	call	VERB
fsr-3293	57	37	a	a	DET
fsr-3293	57	38	proportionality	proportionality	NOUN
fsr-3293	57	39	factor	factor	NOUN
fsr-3293	57	40	,	,	PUNCT
fsr-3293	57	41	which	which	PRON
fsr-3293	57	42	depends	depend	VERB
fsr-3293	57	43	on	on	ADP
fsr-3293	57	44	the	the	DET
fsr-3293	57	45	rate	rate	NOUN
fsr-3293	57	46	of	of	ADP
fsr-3293	57	47	return	return	NOUN
fsr-3293	57	48	an	an	DET
fsr-3293	57	49	individual	individual	NOUN
fsr-3293	57	50	can	can	AUX
fsr-3293	57	51	earn	earn	VERB
fsr-3293	57	52	on	on	ADP
fsr-3293	57	53	assets	asset	NOUN
fsr-3293	57	54	,	,	PUNCT
fsr-3293	57	55	the	the	DET
fsr-3293	57	56	individual	individual	NOUN
fsr-3293	57	57	’s	’s	PART
fsr-3293	57	58	current	current	ADJ
fsr-3293	57	59	age	age	NOUN
fsr-3293	57	60	,	,	PUNCT
fsr-3293	57	61	and	and	CCONJ
fsr-3293	57	62	the	the	DET
fsr-3293	57	63	form	form	NOUN
fsr-3293	57	64	of	of	ADP
fsr-3293	57	65	the	the	DET
fsr-3293	57	66	utility	utility	NOUN
fsr-3293	57	67	function	function	NOUN
fsr-3293	57	68	to	to	PART
fsr-3293	57	69	be	be	AUX
fsr-3293	57	70	used	use	VERB
fsr-3293	57	71	.	.	PUNCT
fsr-3293	58	1	the	the	DET
fsr-3293	58	2	second	second	ADJ
fsr-3293	58	3	part	part	NOUN
fsr-3293	58	4	,	,	PUNCT
fsr-3293	58	5	�	�	PROPN
fsr-3293	58	6	t	t	PROPN
fsr-3293	58	7	t	t	PROPN
fsr-3293	58	8	,	,	PUNCT
fsr-3293	58	9	represents	represent	VERB
fsr-3293	58	10	total	total	ADJ
fsr-3293	58	11	resources	resource	NOUN
fsr-3293	58	12	available	available	ADJ
fsr-3293	58	13	to	to	ADP
fsr-3293	58	14	that	that	DET
fsr-3293	58	15	individual	individual	NOUN
fsr-3293	58	16	,	,	PUNCT
fsr-3293	58	17	which	which	PRON
fsr-3293	58	18	can	can	AUX
fsr-3293	58	19	be	be	AUX
fsr-3293	58	20	expressed	express	VERB
fsr-3293	58	21	as	as	ADP
fsr-3293	58	22	net	net	ADJ
fsr-3293	58	23	worth	worth	NOUN
fsr-3293	58	24	.	.	PUNCT
fsr-3293	59	1	based	base	VERB
fsr-3293	59	2	on	on	ADP
fsr-3293	59	3	this	this	DET
fsr-3293	59	4	framework	framework	NOUN
fsr-3293	59	5	,	,	PUNCT
fsr-3293	59	6	holding	hold	VERB
fsr-3293	59	7	all	all	PRON
fsr-3293	59	8	else	else	ADV
fsr-3293	59	9	(	(	PUNCT
fsr-3293	59	10	especially	especially	ADV
fsr-3293	59	11	retirement	retirement	NOUN
fsr-3293	59	12	age	age	NOUN
fsr-3293	59	13	)	)	PUNCT
fsr-3293	59	14	constant	constant	ADJ
fsr-3293	59	15	,	,	PUNCT
fsr-3293	59	16	it	it	PRON
fsr-3293	59	17	is	be	AUX
fsr-3293	59	18	expected	expect	VERB
fsr-3293	59	19	that	that	SCONJ
fsr-3293	59	20	an	an	DET
fsr-3293	59	21	increase	increase	NOUN
fsr-3293	59	22	in	in	ADP
fsr-3293	59	23	life	life	NOUN
fsr-3293	59	24	expectancy	expectancy	NOUN
fsr-3293	59	25	would	would	AUX
fsr-3293	59	26	decrease	decrease	VERB
fsr-3293	59	27	the	the	DET
fsr-3293	59	28	amount	amount	NOUN
fsr-3293	59	29	of	of	ADP
fsr-3293	59	30	consumption	consumption	NOUN
fsr-3293	59	31	in	in	ADP
fsr-3293	59	32	each	each	DET
fsr-3293	59	33	year	year	NOUN
fsr-3293	59	34	,	,	PUNCT
fsr-3293	59	35	t.	t.	PROPN
fsr-3293	59	36	in	in	ADP
fsr-3293	59	37	other	other	ADJ
fsr-3293	59	38	words	word	NOUN
fsr-3293	59	39	,	,	PUNCT
fsr-3293	59	40	if	if	SCONJ
fsr-3293	59	41	total	total	ADJ
fsr-3293	59	42	resources	resource	NOUN
fsr-3293	59	43	remain	remain	VERB
fsr-3293	59	44	constant	constant	ADJ
fsr-3293	59	45	and	and	CCONJ
fsr-3293	59	46	an	an	DET
fsr-3293	59	47	individual	individual	ADJ
fsr-3293	59	48	lives	live	VERB
fsr-3293	59	49	longer	long	ADV
fsr-3293	59	50	,	,	PUNCT
fsr-3293	59	51	consumption	consumption	NOUN
fsr-3293	59	52	would	would	AUX
fsr-3293	59	53	need	need	VERB
fsr-3293	59	54	to	to	PART
fsr-3293	59	55	decrease	decrease	VERB
fsr-3293	59	56	,	,	PUNCT
fsr-3293	59	57	assuming	assume	VERB
fsr-3293	59	58	that	that	SCONJ
fsr-3293	59	59	the	the	DET
fsr-3293	59	60	compounded	compound	VERB
fsr-3293	59	61	interested	interested	ADJ
fsr-3293	59	62	earned	earn	VERB
fsr-3293	59	63	on	on	ADP
fsr-3293	59	64	assets	asset	NOUN
fsr-3293	59	65	from	from	ADP
fsr-3293	59	66	the	the	DET
fsr-3293	59	67	previous	previous	ADJ
fsr-3293	59	68	periods	period	NOUN
fsr-3293	59	69	are	be	AUX
fsr-3293	59	70	insufficient	insufficient	ADJ
fsr-3293	59	71	to	to	PART
fsr-3293	59	72	fund	fund	VERB
fsr-3293	59	73	extra	extra	ADJ
fsr-3293	59	74	years	year	NOUN
fsr-3293	59	75	of	of	ADP
fsr-3293	59	76	income	income	NOUN
fsr-3293	59	77	needs.1	needs.1	PROPN
fsr-3293	59	78	1.3.2	1.3.2	NUM
fsr-3293	59	79	.	.	PUNCT
fsr-3293	60	1	behavioral	behavioral	ADJ
fsr-3293	60	2	life	life	NOUN
fsr-3293	60	3	cycle	cycle	NOUN
fsr-3293	60	4	hypothesis	hypothesis	NOUN
fsr-3293	60	5	to	to	PART
fsr-3293	60	6	consider	consider	VERB
fsr-3293	60	7	some	some	PRON
fsr-3293	60	8	of	of	ADP
fsr-3293	60	9	the	the	DET
fsr-3293	60	10	behavioral	behavioral	ADJ
fsr-3293	60	11	tendencies	tendency	NOUN
fsr-3293	60	12	inherent	inherent	ADJ
fsr-3293	60	13	in	in	ADP
fsr-3293	60	14	humans	human	NOUN
fsr-3293	60	15	,	,	PUNCT
fsr-3293	60	16	shefrin	shefrin	NOUN
fsr-3293	60	17	and	and	CCONJ
fsr-3293	60	18	thaler	thaler	NOUN
fsr-3293	60	19	(	(	PUNCT
fsr-3293	60	20	1988	1988	NUM
fsr-3293	60	21	)	)	PUNCT
fsr-3293	60	22	developed	develop	VERB
fsr-3293	60	23	a	a	DET
fsr-3293	60	24	derivative	derivative	NOUN
fsr-3293	60	25	of	of	ADP
fsr-3293	60	26	the	the	DET
fsr-3293	60	27	life	life	NOUN
fsr-3293	60	28	cycle	cycle	NOUN
fsr-3293	60	29	model	model	NOUN
fsr-3293	60	30	known	know	VERB
fsr-3293	60	31	as	as	ADP
fsr-3293	60	32	the	the	DET
fsr-3293	60	33	behavioral	behavioral	ADJ
fsr-3293	60	34	life	life	NOUN
fsr-3293	60	35	cycle	cycle	NOUN
fsr-3293	60	36	hypothesis	hypothesis	NOUN
fsr-3293	60	37	.	.	PUNCT
fsr-3293	61	1	while	while	SCONJ
fsr-3293	61	2	they	they	PRON
fsr-3293	61	3	state	state	VERB
fsr-3293	61	4	that	that	SCONJ
fsr-3293	61	5	the	the	DET
fsr-3293	61	6	life	life	NOUN
fsr-3293	61	7	cycle	cycle	NOUN
fsr-3293	61	8	hypothesis	hypothesis	NOUN
fsr-3293	61	9	was	be	AUX
fsr-3293	61	10	useful	useful	ADJ
fsr-3293	61	11	in	in	ADP
fsr-3293	61	12	its	its	PRON
fsr-3293	61	13	own	own	ADJ
fsr-3293	61	14	right	right	NOUN
fsr-3293	61	15	,	,	PUNCT
fsr-3293	61	16	particularly	particularly	ADV
fsr-3293	61	17	as	as	ADP
fsr-3293	61	18	a	a	DET
fsr-3293	61	19	prescriptive	prescriptive	ADJ
fsr-3293	61	20	model	model	NOUN
fsr-3293	61	21	,	,	PUNCT
fsr-3293	61	22	they	they	PRON
fsr-3293	61	23	acknowledge	acknowledge	VERB
fsr-3293	61	24	that	that	SCONJ
fsr-3293	61	25	individuals	individual	NOUN
fsr-3293	61	26	do	do	AUX
fsr-3293	61	27	not	not	PART
fsr-3293	61	28	always	always	ADV
fsr-3293	61	29	act	act	VERB
fsr-3293	61	30	in	in	ADP
fsr-3293	61	31	an	an	DET
fsr-3293	61	32	optimal	optimal	ADJ
fsr-3293	61	33	manner	manner	NOUN
fsr-3293	61	34	.	.	PUNCT
fsr-3293	62	1	therefore	therefore	ADV
fsr-3293	62	2	,	,	PUNCT
fsr-3293	62	3	modifications	modification	NOUN
fsr-3293	62	4	to	to	ADP
fsr-3293	62	5	the	the	DET
fsr-3293	62	6	model	model	NOUN
fsr-3293	62	7	were	be	AUX
fsr-3293	62	8	made	make	VERB
fsr-3293	62	9	to	to	PART
fsr-3293	62	10	make	make	VERB
fsr-3293	62	11	the	the	DET
fsr-3293	62	12	“	"	PUNCT
fsr-3293	62	13	theory	theory	NOUN
fsr-3293	62	14	more	more	ADV
fsr-3293	62	15	behaviorally	behaviorally	ADV
fsr-3293	62	16	realistic	realistic	ADJ
fsr-3293	62	17	”	"	PUNCT
fsr-3293	62	18	(	(	PUNCT
fsr-3293	62	19	shefrin	shefrin	NOUN
fsr-3293	62	20	&	&	CCONJ
fsr-3293	62	21	thaler	thaler	PROPN
fsr-3293	62	22	,	,	PUNCT
fsr-3293	62	23	1988	1988	NUM
fsr-3293	62	24	,	,	PUNCT
fsr-3293	62	25	p.	p.	NOUN
fsr-3293	62	26	1	1	NUM
fsr-3293	62	27	)	)	PUNCT
fsr-3293	62	28	.	.	PUNCT
fsr-3293	63	1	they	they	PRON
fsr-3293	63	2	modify	modify	VERB
fsr-3293	63	3	the	the	DET
fsr-3293	63	4	life	life	NOUN
fsr-3293	63	5	cycle	cycle	NOUN
fsr-3293	63	6	model	model	NOUN
fsr-3293	63	7	to	to	PART
fsr-3293	63	8	account	account	VERB
fsr-3293	63	9	for	for	ADP
fsr-3293	63	10	three	three	NUM
fsr-3293	63	11	human	human	ADJ
fsr-3293	63	12	behavior	behavior	NOUN
fsr-3293	63	13	factors	factor	NOUN
fsr-3293	63	14	often	often	ADV
fsr-3293	63	15	missing	miss	VERB
fsr-3293	63	16	from	from	ADP
fsr-3293	63	17	economic	economic	ADJ
fsr-3293	63	18	theory	theory	NOUN
fsr-3293	63	19	:	:	PUNCT
fsr-3293	63	20	(	(	PUNCT
fsr-3293	63	21	a	a	X
fsr-3293	63	22	)	)	PUNCT
fsr-3293	63	23	self	self	NOUN
fsr-3293	63	24	-	-	PUNCT
fsr-3293	63	25	control	control	NOUN
fsr-3293	63	26	,	,	PUNCT
fsr-3293	63	27	(	(	PUNCT
fsr-3293	63	28	b	b	NOUN
fsr-3293	63	29	)	)	PUNCT
fsr-3293	63	30	mental	mental	ADJ
fsr-3293	63	31	accounting	accounting	NOUN
fsr-3293	63	32	,	,	PUNCT
fsr-3293	63	33	and	and	CCONJ
fsr-3293	63	34	(	(	PUNCT
fsr-3293	63	35	c	c	NOUN
fsr-3293	63	36	)	)	PUNCT
fsr-3293	63	37	framing	framing	NOUN
fsr-3293	63	38	.	.	PUNCT
fsr-3293	64	1	according	accord	VERB
fsr-3293	64	2	to	to	ADP
fsr-3293	64	3	shefrin	shefrin	NOUN
fsr-3293	64	4	and	and	CCONJ
fsr-3293	64	5	thaler	thaler	NOUN
fsr-3293	64	6	(	(	PUNCT
fsr-3293	64	7	1988	1988	NUM
fsr-3293	64	8	)	)	PUNCT
fsr-3293	64	9	,	,	PUNCT
fsr-3293	64	10	self	self	NOUN
fsr-3293	64	11	-	-	PUNCT
fsr-3293	64	12	control	control	NOUN
fsr-3293	64	13	is	be	AUX
fsr-3293	64	14	made	make	VERB
fsr-3293	64	15	up	up	ADP
fsr-3293	64	16	of	of	ADP
fsr-3293	64	17	three	three	NUM
fsr-3293	64	18	components	component	NOUN
fsr-3293	64	19	:	:	PUNCT
fsr-3293	64	20	(	(	PUNCT
fsr-3293	64	21	a	a	X
fsr-3293	64	22	)	)	PUNCT
fsr-3293	64	23	internal	internal	ADJ
fsr-3293	64	24	conflict	conflict	NOUN
fsr-3293	64	25	,	,	PUNCT
fsr-3293	64	26	(	(	PUNCT
fsr-3293	64	27	b	b	NOUN
fsr-3293	64	28	)	)	PUNCT
fsr-3293	64	29	temptation	temptation	NOUN
fsr-3293	64	30	,	,	PUNCT
fsr-3293	64	31	and	and	CCONJ
fsr-3293	64	32	(	(	PUNCT
fsr-3293	64	33	c	c	NOUN
fsr-3293	64	34	)	)	PUNCT
fsr-3293	64	35	willpower	willpower	NOUN
fsr-3293	64	36	.	.	PUNCT
fsr-3293	65	1	internal	internal	ADJ
fsr-3293	65	2	conflict	conflict	NOUN
fsr-3293	65	3	is	be	AUX
fsr-3293	65	4	described	describe	VERB
fsr-3293	65	5	as	as	ADP
fsr-3293	65	6	an	an	DET
fsr-3293	65	7	inherent	inherent	ADJ
fsr-3293	65	8	battle	battle	NOUN
fsr-3293	65	9	between	between	ADP
fsr-3293	65	10	the	the	DET
fsr-3293	65	11	planner	planner	NOUN
fsr-3293	65	12	and	and	CCONJ
fsr-3293	65	13	the	the	DET
fsr-3293	65	14	doer	doer	NOUN
fsr-3293	65	15	within	within	ADP
fsr-3293	65	16	each	each	DET
fsr-3293	65	17	individual	individual	NOUN
fsr-3293	65	18	.	.	PUNCT
fsr-3293	66	1	the	the	DET
fsr-3293	66	2	planner	planner	NOUN
fsr-3293	66	3	is	be	AUX
fsr-3293	66	4	concerned	concern	VERB
fsr-3293	66	5	with	with	ADP
fsr-3293	66	6	the	the	DET
fsr-3293	66	7	long	long	ADJ
fsr-3293	66	8	term	term	NOUN
fsr-3293	66	9	while	while	SCONJ
fsr-3293	66	10	the	the	DET
fsr-3293	66	11	doer	doer	NOUN
fsr-3293	66	12	aims	aim	VERB
fsr-3293	66	13	to	to	PART
fsr-3293	66	14	maximize	maximize	VERB
fsr-3293	66	15	utility	utility	NOUN
fsr-3293	66	16	in	in	ADP
fsr-3293	66	17	the	the	DET
fsr-3293	66	18	present	present	NOUN
fsr-3293	66	19	.	.	PUNCT
fsr-3293	67	1	temptation	temptation	NOUN
fsr-3293	67	2	deals	deal	VERB
fsr-3293	67	3	with	with	ADP
fsr-3293	67	4	the	the	DET
fsr-3293	67	5	choices	choice	NOUN
fsr-3293	67	6	that	that	PRON
fsr-3293	67	7	are	be	AUX
fsr-3293	67	8	presented	present	VERB
fsr-3293	67	9	to	to	ADP
fsr-3293	67	10	individuals	individual	NOUN
fsr-3293	67	11	,	,	PUNCT
fsr-3293	67	12	recognizing	recognize	VERB
fsr-3293	67	13	that	that	SCONJ
fsr-3293	67	14	for	for	ADP
fsr-3293	67	15	each	each	DET
fsr-3293	67	16	choice	choice	NOUN
fsr-3293	67	17	there	there	PRON
fsr-3293	67	18	are	be	VERB
fsr-3293	67	19	differing	differ	VERB
fsr-3293	67	20	degrees	degree	NOUN
fsr-3293	67	21	of	of	ADP
fsr-3293	67	22	enticement	enticement	NOUN
fsr-3293	67	23	.	.	PUNCT
fsr-3293	68	1	willpower	willpower	NOUN
fsr-3293	68	2	is	be	AUX
fsr-3293	68	3	the	the	DET
fsr-3293	68	4	mental	mental	ADJ
fsr-3293	68	5	cost	cost	NOUN
fsr-3293	68	6	associated	associate	VERB
fsr-3293	68	7	with	with	ADP
fsr-3293	68	8	resisting	resist	VERB
fsr-3293	68	9	temptation	temptation	NOUN
fsr-3293	68	10	and	and	CCONJ
fsr-3293	68	11	the	the	DET
fsr-3293	68	12	degree	degree	NOUN
fsr-3293	68	13	of	of	ADP
fsr-3293	68	14	temptation	temptation	NOUN
fsr-3293	68	15	influences	influence	VERB
fsr-3293	68	16	how	how	SCONJ
fsr-3293	68	17	much	much	ADJ
fsr-3293	68	18	willpower	willpower	NOUN
fsr-3293	68	19	the	the	DET
fsr-3293	68	20	individual	individual	NOUN
fsr-3293	68	21	must	must	AUX
fsr-3293	68	22	expend	expend	VERB
fsr-3293	68	23	to	to	PART
fsr-3293	68	24	make	make	VERB
fsr-3293	68	25	a	a	DET
fsr-3293	68	26	choice	choice	NOUN
fsr-3293	68	27	that	that	PRON
fsr-3293	68	28	aligns	align	VERB
fsr-3293	68	29	with	with	ADP
fsr-3293	68	30	their	their	PRON
fsr-3293	68	31	utility	utility	NOUN
fsr-3293	68	32	-	-	PUNCT
fsr-3293	68	33	maximizing	maximize	VERB
fsr-3293	68	34	preference	preference	NOUN
fsr-3293	68	35	for	for	ADP
fsr-3293	68	36	both	both	CCONJ
fsr-3293	68	37	the	the	DET
fsr-3293	68	38	longand	longand	NOUN
fsr-3293	68	39	short	short	ADJ
fsr-3293	68	40	-	-	PUNCT
fsr-3293	68	41	term	term	NOUN
fsr-3293	68	42	.	.	PUNCT
fsr-3293	69	1	the	the	PRON
fsr-3293	69	2	more	more	ADV
fsr-3293	69	3	an	an	DET
fsr-3293	69	4	individual	individual	NOUN
fsr-3293	69	5	is	be	AUX
fsr-3293	69	6	tempted	tempt	VERB
fsr-3293	69	7	to	to	PART
fsr-3293	69	8	indulge	indulge	VERB
fsr-3293	69	9	in	in	ADP
fsr-3293	69	10	something	something	PRON
fsr-3293	69	11	,	,	PUNCT
fsr-3293	69	12	the	the	DET
fsr-3293	69	13	more	more	ADJ
fsr-3293	69	14	willpower	willpower	NOUN
fsr-3293	69	15	they	they	PRON
fsr-3293	69	16	must	must	AUX
fsr-3293	69	17	expend	expend	VERB
fsr-3293	69	18	to	to	PART
fsr-3293	69	19	resist	resist	VERB
fsr-3293	69	20	the	the	DET
fsr-3293	69	21	temptation	temptation	NOUN
fsr-3293	69	22	.	.	PUNCT
fsr-3293	70	1	although	although	SCONJ
fsr-3293	70	2	willpower	willpower	NOUN
fsr-3293	70	3	can	can	AUX
fsr-3293	70	4	be	be	AUX
fsr-3293	70	5	taxing	tax	VERB
fsr-3293	70	6	,	,	PUNCT
fsr-3293	70	7	it	it	PRON
fsr-3293	70	8	is	be	AUX
fsr-3293	70	9	necessary	necessary	ADJ
fsr-3293	70	10	to	to	PART
fsr-3293	70	11	reduce	reduce	VERB
fsr-3293	70	12	consumption	consumption	NOUN
fsr-3293	70	13	(	(	PUNCT
fsr-3293	70	14	shefrin	shefrin	NOUN
fsr-3293	70	15	&	&	CCONJ
fsr-3293	70	16	thaler	thaler	PROPN
fsr-3293	70	17	,	,	PUNCT
fsr-3293	70	18	1988	1988	NUM
fsr-3293	70	19	)	)	PUNCT
fsr-3293	70	20	.	.	PUNCT
fsr-3293	71	1	individuals	individual	NOUN
fsr-3293	71	2	will	will	AUX
fsr-3293	71	3	engage	engage	VERB
fsr-3293	71	4	in	in	ADP
fsr-3293	71	5	willpower	willpower	NOUN
fsr-3293	71	6	if	if	SCONJ
fsr-3293	71	7	the	the	DET
fsr-3293	71	8	utility	utility	NOUN
fsr-3293	71	9	lost	lose	VERB
fsr-3293	71	10	from	from	ADP
fsr-3293	71	11	less	less	ADJ
fsr-3293	71	12	consumption	consumption	NOUN
fsr-3293	71	13	(	(	PUNCT
fsr-3293	71	14	i.e.	i.e.	X
fsr-3293	71	15	,	,	PUNCT
fsr-3293	71	16	not	not	PART
fsr-3293	71	17	succumbing	succumb	VERB
fsr-3293	71	18	to	to	ADP
fsr-3293	71	19	temptation	temptation	NOUN
fsr-3293	71	20	)	)	PUNCT
fsr-3293	71	21	is	be	AUX
fsr-3293	71	22	less	less	ADJ
fsr-3293	71	23	than	than	ADP
fsr-3293	71	24	the	the	DET
fsr-3293	71	25	utility	utility	NOUN
fsr-3293	71	26	cost	cost	NOUN
fsr-3293	71	27	of	of	ADP
fsr-3293	71	28	engaging	engage	VERB
fsr-3293	71	29	in	in	ADP
fsr-3293	71	30	willpower	willpower	NOUN
fsr-3293	71	31	.	.	PUNCT
fsr-3293	72	1	hence	hence	ADV
fsr-3293	72	2	,	,	PUNCT
fsr-3293	72	3	willpower	willpower	NOUN
fsr-3293	72	4	is	be	AUX
fsr-3293	72	5	exerted	exert	VERB
fsr-3293	72	6	when	when	SCONJ
fsr-3293	72	7	the	the	DET
fsr-3293	72	8	net	net	ADJ
fsr-3293	72	9	marginal	marginal	ADJ
fsr-3293	72	10	cost	cost	NOUN
fsr-3293	72	11	of	of	ADP
fsr-3293	72	12	using	use	VERB
fsr-3293	72	13	it	it	PRON
fsr-3293	72	14	is	be	AUX
fsr-3293	72	15	greater	great	ADJ
fsr-3293	72	16	than	than	ADP
fsr-3293	72	17	zero	zero	NUM
fsr-3293	72	18	(	(	PUNCT
fsr-3293	72	19	shefrin	shefrin	NOUN
fsr-3293	72	20	&	&	CCONJ
fsr-3293	72	21	thaler	thaler	PROPN
fsr-3293	72	22	,	,	PUNCT
fsr-3293	72	23	1988	1988	NUM
fsr-3293	72	24	)	)	PUNCT
fsr-3293	72	25	.	.	PUNCT
fsr-3293	73	1	self	self	NOUN
fsr-3293	73	2	-	-	PUNCT
fsr-3293	73	3	control	control	NOUN
fsr-3293	73	4	,	,	PUNCT
fsr-3293	73	5	then	then	ADV
fsr-3293	73	6	,	,	PUNCT
fsr-3293	73	7	is	be	AUX
fsr-3293	73	8	the	the	DET
fsr-3293	73	9	relationship	relationship	NOUN
fsr-3293	73	10	among	among	ADP
fsr-3293	73	11	internal	internal	ADJ
fsr-3293	73	12	conflict	conflict	NOUN
fsr-3293	73	13	,	,	PUNCT
fsr-3293	73	14	temptation	temptation	NOUN
fsr-3293	73	15	,	,	PUNCT
fsr-3293	73	16	and	and	CCONJ
fsr-3293	73	17	willpower	willpower	NOUN
fsr-3293	73	18	.	.	PUNCT
fsr-3293	74	1	4	4	NUM
fsr-3293	74	2	d.r	d.r	PROPN
fsr-3293	74	3	.	.	PROPN
fsr-3293	74	4	lawson	lawson	PROPN
fsr-3293	74	5	,	,	PUNCT
fsr-3293	74	6	s.j	s.j	PROPN
fsr-3293	74	7	.	.	PROPN
fsr-3293	74	8	heckman	heckman	PROPN
fsr-3293	74	9	/	/	SYM
fsr-3293	74	10	financial	financial	PROPN
fsr-3293	74	11	services	service	NOUN
fsr-3293	74	12	review	review	VERB
fsr-3293	74	13	26	26	NUM
fsr-3293	74	14	(	(	PUNCT
fsr-3293	74	15	2017	2017	NUM
fsr-3293	74	16	)	)	PUNCT
fsr-3293	74	17	1–18	1–18	NUM
fsr-3293	74	18	consumption	consumption	NOUN
fsr-3293	74	19	in	in	ADP
fsr-3293	74	20	today	today	NOUN
fsr-3293	74	21	’s	’s	PART
fsr-3293	74	22	economy	economy	NOUN
fsr-3293	74	23	is	be	AUX
fsr-3293	74	24	heavily	heavily	ADV
fsr-3293	74	25	influenced	influence	VERB
fsr-3293	74	26	by	by	ADP
fsr-3293	74	27	advertising	advertising	NOUN
fsr-3293	74	28	,	,	PUNCT
fsr-3293	74	29	which	which	PRON
fsr-3293	74	30	is	be	AUX
fsr-3293	74	31	designed	design	VERB
fsr-3293	74	32	to	to	PART
fsr-3293	74	33	convince	convince	VERB
fsr-3293	74	34	consumers	consumer	NOUN
fsr-3293	74	35	that	that	SCONJ
fsr-3293	74	36	they	they	PRON
fsr-3293	74	37	need	need	VERB
fsr-3293	74	38	products	product	NOUN
fsr-3293	74	39	they	they	PRON
fsr-3293	74	40	previously	previously	ADV
fsr-3293	74	41	had	have	AUX
fsr-3293	74	42	not	not	PART
fsr-3293	74	43	considered	consider	VERB
fsr-3293	74	44	.	.	PUNCT
fsr-3293	75	1	approximately	approximately	ADV
fsr-3293	75	2	$	$	SYM
fsr-3293	75	3	180	180	NUM
fsr-3293	75	4	billion	billion	NUM
fsr-3293	75	5	is	be	AUX
fsr-3293	75	6	spent	spend	VERB
fsr-3293	75	7	annually	annually	ADV
fsr-3293	75	8	on	on	ADP
fsr-3293	75	9	advertising	advertising	NOUN
fsr-3293	75	10	in	in	ADP
fsr-3293	75	11	the	the	DET
fsr-3293	75	12	united	united	PROPN
fsr-3293	75	13	states	states	PROPN
fsr-3293	75	14	(	(	PUNCT
fsr-3293	75	15	and	and	CCONJ
fsr-3293	75	16	projected	project	VERB
fsr-3293	75	17	to	to	PART
fsr-3293	75	18	grow	grow	VERB
fsr-3293	75	19	to	to	ADP
fsr-3293	75	20	nearly	nearly	ADV
fsr-3293	75	21	$	$	SYM
fsr-3293	75	22	220	220	NUM
fsr-3293	75	23	billion	billion	NUM
fsr-3293	75	24	by	by	ADP
fsr-3293	75	25	2018	2018	NUM
fsr-3293	75	26	)	)	PUNCT
fsr-3293	75	27	(	(	PUNCT
fsr-3293	75	28	statista	statista	NOUN
fsr-3293	75	29	,	,	PUNCT
fsr-3293	75	30	2016	2016	NUM
fsr-3293	75	31	)	)	PUNCT
fsr-3293	75	32	,	,	PUNCT
fsr-3293	75	33	which	which	PRON
fsr-3293	75	34	results	result	VERB
fsr-3293	75	35	in	in	ADP
fsr-3293	75	36	nearly	nearly	ADV
fsr-3293	75	37	constant	constant	ADJ
fsr-3293	75	38	exposure	exposure	NOUN
fsr-3293	75	39	to	to	ADP
fsr-3293	75	40	advertisements	advertisement	NOUN
fsr-3293	75	41	.	.	PUNCT
fsr-3293	76	1	consumers	consumer	NOUN
fsr-3293	76	2	are	be	AUX
fsr-3293	76	3	constantly	constantly	ADV
fsr-3293	76	4	at	at	ADP
fsr-3293	76	5	conflict	conflict	NOUN
fsr-3293	76	6	with	with	ADP
fsr-3293	76	7	themselves	themselves	PRON
fsr-3293	76	8	because	because	SCONJ
fsr-3293	76	9	they	they	PRON
fsr-3293	76	10	are	be	AUX
fsr-3293	76	11	tempted	tempt	VERB
fsr-3293	76	12	to	to	PART
fsr-3293	76	13	buy	buy	VERB
fsr-3293	76	14	things	thing	NOUN
fsr-3293	76	15	that	that	PRON
fsr-3293	76	16	they	they	PRON
fsr-3293	76	17	may	may	AUX
fsr-3293	76	18	not	not	PART
fsr-3293	76	19	actually	actually	ADV
fsr-3293	76	20	need	need	VERB
fsr-3293	76	21	or	or	CCONJ
fsr-3293	76	22	want	want	VERB
fsr-3293	76	23	.	.	PUNCT
fsr-3293	77	1	shefrin	shefrin	NOUN
fsr-3293	77	2	and	and	CCONJ
fsr-3293	77	3	thaler	thaler	PROPN
fsr-3293	77	4	(	(	PUNCT
fsr-3293	77	5	1988	1988	NUM
fsr-3293	77	6	)	)	PUNCT
fsr-3293	77	7	argue	argue	VERB
fsr-3293	77	8	that	that	SCONJ
fsr-3293	77	9	an	an	DET
fsr-3293	77	10	economic	economic	ADJ
fsr-3293	77	11	savings	saving	NOUN
fsr-3293	77	12	model	model	NOUN
fsr-3293	77	13	that	that	PRON
fsr-3293	77	14	does	do	AUX
fsr-3293	77	15	not	not	PART
fsr-3293	77	16	factor	factor	VERB
fsr-3293	77	17	in	in	ADP
fsr-3293	77	18	self	self	NOUN
fsr-3293	77	19	-	-	PUNCT
fsr-3293	77	20	control	control	NOUN
fsr-3293	77	21	is	be	AUX
fsr-3293	77	22	a	a	DET
fsr-3293	77	23	mis	mis	NOUN
fsr-3293	77	24	-	-	PUNCT
fsr-3293	77	25	specified	specify	VERB
fsr-3293	77	26	model	model	NOUN
fsr-3293	77	27	.	.	PUNCT
fsr-3293	78	1	thus	thus	ADV
fsr-3293	78	2	,	,	PUNCT
fsr-3293	78	3	willpower	willpower	NOUN
fsr-3293	78	4	—	—	PUNCT
fsr-3293	78	5	the	the	DET
fsr-3293	78	6	mental	mental	ADJ
fsr-3293	78	7	costs	cost	NOUN
fsr-3293	78	8	of	of	ADP
fsr-3293	78	9	resisting	resist	VERB
fsr-3293	78	10	temptation	temptation	NOUN
fsr-3293	78	11	—	—	PUNCT
fsr-3293	78	12	must	must	AUX
fsr-3293	78	13	be	be	AUX
fsr-3293	78	14	considered	consider	VERB
fsr-3293	78	15	.	.	PUNCT
fsr-3293	79	1	a	a	DET
fsr-3293	79	2	lack	lack	NOUN
fsr-3293	79	3	of	of	ADP
fsr-3293	79	4	self	self	NOUN
fsr-3293	79	5	-	-	PUNCT
fsr-3293	79	6	control	control	NOUN
fsr-3293	79	7	can	can	AUX
fsr-3293	79	8	lead	lead	VERB
fsr-3293	79	9	to	to	ADP
fsr-3293	79	10	financial	financial	ADJ
fsr-3293	79	11	problems	problem	NOUN
fsr-3293	79	12	down	down	ADP
fsr-3293	79	13	the	the	DET
fsr-3293	79	14	road	road	NOUN
fsr-3293	79	15	(	(	PUNCT
fsr-3293	79	16	e.g.	e.g.	ADV
fsr-3293	79	17	,	,	PUNCT
fsr-3293	79	18	inadequate	inadequate	ADJ
fsr-3293	79	19	retirement	retirement	NOUN
fsr-3293	79	20	preparation	preparation	NOUN
fsr-3293	79	21	)	)	PUNCT
fsr-3293	79	22	,	,	PUNCT
fsr-3293	79	23	whereas	whereas	SCONJ
fsr-3293	79	24	too	too	ADV
fsr-3293	79	25	much	much	ADJ
fsr-3293	79	26	self	self	NOUN
fsr-3293	79	27	-	-	PUNCT
fsr-3293	79	28	control	control	NOUN
fsr-3293	79	29	can	can	AUX
fsr-3293	79	30	deprive	deprive	VERB
fsr-3293	79	31	someone	someone	PRON
fsr-3293	79	32	of	of	ADP
fsr-3293	79	33	their	their	PRON
fsr-3293	79	34	wants	want	NOUN
fsr-3293	79	35	and	and	CCONJ
fsr-3293	79	36	needs	need	VERB
fsr-3293	79	37	.	.	PUNCT
fsr-3293	80	1	although	although	SCONJ
fsr-3293	80	2	individuals	individual	NOUN
fsr-3293	80	3	may	may	AUX
fsr-3293	80	4	expect	expect	VERB
fsr-3293	80	5	to	to	PART
fsr-3293	80	6	live	live	VERB
fsr-3293	80	7	a	a	DET
fsr-3293	80	8	long	long	ADJ
fsr-3293	80	9	time	time	NOUN
fsr-3293	80	10	in	in	ADP
fsr-3293	80	11	retirement	retirement	NOUN
fsr-3293	80	12	,	,	PUNCT
fsr-3293	80	13	they	they	PRON
fsr-3293	80	14	may	may	AUX
fsr-3293	80	15	lack	lack	VERB
fsr-3293	80	16	the	the	DET
fsr-3293	80	17	ability	ability	NOUN
fsr-3293	80	18	to	to	PART
fsr-3293	80	19	exert	exert	VERB
fsr-3293	80	20	self	self	NOUN
fsr-3293	80	21	-	-	PUNCT
fsr-3293	80	22	control	control	NOUN
fsr-3293	80	23	and	and	CCONJ
fsr-3293	80	24	defer	defer	VERB
fsr-3293	80	25	consumption	consumption	NOUN
fsr-3293	80	26	from	from	ADP
fsr-3293	80	27	today	today	NOUN
fsr-3293	80	28	to	to	ADP
fsr-3293	80	29	future	future	ADJ
fsr-3293	80	30	periods	period	NOUN
fsr-3293	80	31	by	by	ADP
fsr-3293	80	32	saving	save	VERB
fsr-3293	80	33	.	.	PUNCT
fsr-3293	81	1	from	from	ADP
fsr-3293	81	2	this	this	DET
fsr-3293	81	3	perspective	perspective	NOUN
fsr-3293	81	4	,	,	PUNCT
fsr-3293	81	5	it	it	PRON
fsr-3293	81	6	is	be	AUX
fsr-3293	81	7	predicted	predict	VERB
fsr-3293	81	8	that	that	SCONJ
fsr-3293	81	9	an	an	DET
fsr-3293	81	10	increase	increase	NOUN
fsr-3293	81	11	in	in	ADP
fsr-3293	81	12	life	life	NOUN
fsr-3293	81	13	expectancy	expectancy	NOUN
fsr-3293	81	14	would	would	AUX
fsr-3293	81	15	not	not	PART
fsr-3293	81	16	result	result	VERB
fsr-3293	81	17	in	in	ADP
fsr-3293	81	18	a	a	DET
fsr-3293	81	19	change	change	NOUN
fsr-3293	81	20	in	in	ADP
fsr-3293	81	21	consumption	consumption	NOUN
fsr-3293	81	22	because	because	SCONJ
fsr-3293	81	23	of	of	ADP
fsr-3293	81	24	willpower	willpower	NOUN
fsr-3293	81	25	and	and	CCONJ
fsr-3293	81	26	self	self	NOUN
fsr-3293	81	27	-	-	PUNCT
fsr-3293	81	28	control	control	NOUN
fsr-3293	81	29	issues	issue	NOUN
fsr-3293	81	30	among	among	ADP
fsr-3293	81	31	working	work	VERB
fsr-3293	81	32	households	household	NOUN
fsr-3293	81	33	for	for	ADP
fsr-3293	81	34	which	which	PRON
fsr-3293	81	35	retirement	retirement	NOUN
fsr-3293	81	36	is	be	AUX
fsr-3293	81	37	not	not	PART
fsr-3293	81	38	salient	salient	ADJ
fsr-3293	81	39	.	.	PUNCT
fsr-3293	82	1	that	that	PRON
fsr-3293	82	2	is	be	AUX
fsr-3293	82	3	to	to	PART
fsr-3293	82	4	say	say	VERB
fsr-3293	82	5	,	,	PUNCT
fsr-3293	82	6	retirement	retirement	NOUN
fsr-3293	82	7	may	may	AUX
fsr-3293	82	8	be	be	AUX
fsr-3293	82	9	too	too	ADV
fsr-3293	82	10	far	far	ADV
fsr-3293	82	11	in	in	ADP
fsr-3293	82	12	the	the	DET
fsr-3293	82	13	future	future	NOUN
fsr-3293	82	14	to	to	PART
fsr-3293	82	15	exert	exert	VERB
fsr-3293	82	16	self	self	NOUN
fsr-3293	82	17	-	-	PUNCT
fsr-3293	82	18	control	control	NOUN
fsr-3293	82	19	and	and	CCONJ
fsr-3293	82	20	reduce	reduce	VERB
fsr-3293	82	21	consumption	consumption	NOUN
fsr-3293	82	22	for	for	ADP
fsr-3293	82	23	young	young	ADJ
fsr-3293	82	24	households	household	NOUN
fsr-3293	82	25	.	.	PUNCT
fsr-3293	83	1	however	however	ADV
fsr-3293	83	2	,	,	PUNCT
fsr-3293	83	3	as	as	SCONJ
fsr-3293	83	4	retirement	retirement	NOUN
fsr-3293	83	5	becomes	become	VERB
fsr-3293	83	6	more	more	ADJ
fsr-3293	83	7	salient	salient	NOUN
fsr-3293	83	8	(	(	PUNCT
fsr-3293	83	9	i.e.	i.e.	X
fsr-3293	83	10	,	,	PUNCT
fsr-3293	83	11	as	as	ADP
fsr-3293	83	12	households	household	NOUN
fsr-3293	83	13	near	near	ADP
fsr-3293	83	14	retirement	retirement	NOUN
fsr-3293	83	15	)	)	PUNCT
fsr-3293	83	16	it	it	PRON
fsr-3293	83	17	is	be	AUX
fsr-3293	83	18	expected	expect	VERB
fsr-3293	83	19	that	that	SCONJ
fsr-3293	83	20	longer	long	ADJ
fsr-3293	83	21	life	life	NOUN
fsr-3293	83	22	expectancies	expectancy	NOUN
fsr-3293	83	23	would	would	AUX
fsr-3293	83	24	have	have	VERB
fsr-3293	83	25	a	a	DET
fsr-3293	83	26	negative	negative	ADJ
fsr-3293	83	27	effect	effect	NOUN
fsr-3293	83	28	on	on	ADP
fsr-3293	83	29	consumption	consumption	NOUN
fsr-3293	83	30	.	.	PUNCT
fsr-3293	84	1	1.3.3	1.3.3	X
fsr-3293	84	2	.	.	X
fsr-3293	84	3	summary	summary	VERB
fsr-3293	84	4	subjective	subjective	ADJ
fsr-3293	84	5	life	life	NOUN
fsr-3293	84	6	expectancy	expectancy	NOUN
fsr-3293	84	7	should	should	AUX
fsr-3293	84	8	have	have	VERB
fsr-3293	84	9	a	a	DET
fsr-3293	84	10	negative	negative	ADJ
fsr-3293	84	11	effect	effect	NOUN
fsr-3293	84	12	on	on	ADP
fsr-3293	84	13	consumption	consumption	NOUN
fsr-3293	84	14	according	accord	VERB
fsr-3293	84	15	to	to	ADP
fsr-3293	84	16	the	the	DET
fsr-3293	84	17	life	life	NOUN
fsr-3293	84	18	cycle	cycle	NOUN
fsr-3293	84	19	hypothesis	hypothesis	NOUN
fsr-3293	84	20	.	.	PUNCT
fsr-3293	85	1	in	in	ADP
fsr-3293	85	2	general	general	ADJ
fsr-3293	85	3	,	,	PUNCT
fsr-3293	85	4	those	those	PRON
fsr-3293	85	5	who	who	PRON
fsr-3293	85	6	expect	expect	VERB
fsr-3293	85	7	to	to	PART
fsr-3293	85	8	live	live	VERB
fsr-3293	85	9	longer	long	ADV
fsr-3293	85	10	should	should	AUX
fsr-3293	85	11	save	save	VERB
fsr-3293	85	12	more	more	ADJ
fsr-3293	85	13	and	and	CCONJ
fsr-3293	85	14	spend	spend	VERB
fsr-3293	85	15	less	less	ADJ
fsr-3293	85	16	.	.	PUNCT
fsr-3293	86	1	however	however	ADV
fsr-3293	86	2	,	,	PUNCT
fsr-3293	86	3	consumers	consumer	NOUN
fsr-3293	86	4	may	may	AUX
fsr-3293	86	5	struggle	struggle	VERB
fsr-3293	86	6	with	with	ADP
fsr-3293	86	7	self	self	NOUN
fsr-3293	86	8	-	-	PUNCT
fsr-3293	86	9	control	control	NOUN
fsr-3293	86	10	according	accord	VERB
fsr-3293	86	11	to	to	ADP
fsr-3293	86	12	the	the	DET
fsr-3293	86	13	behavioral	behavioral	ADJ
fsr-3293	86	14	life	life	NOUN
fsr-3293	86	15	cycle	cycle	NOUN
fsr-3293	86	16	hypothesis	hypothesis	NOUN
fsr-3293	86	17	.	.	PUNCT
fsr-3293	87	1	in	in	ADP
fsr-3293	87	2	the	the	DET
fsr-3293	87	3	case	case	NOUN
fsr-3293	87	4	of	of	ADP
fsr-3293	87	5	self	self	NOUN
fsr-3293	87	6	-	-	PUNCT
fsr-3293	87	7	control	control	NOUN
fsr-3293	87	8	problems	problem	NOUN
fsr-3293	87	9	,	,	PUNCT
fsr-3293	87	10	life	life	NOUN
fsr-3293	87	11	expectancy	expectancy	NOUN
fsr-3293	87	12	is	be	AUX
fsr-3293	87	13	expected	expect	VERB
fsr-3293	87	14	to	to	PART
fsr-3293	87	15	have	have	VERB
fsr-3293	87	16	a	a	DET
fsr-3293	87	17	negligible	negligible	ADJ
fsr-3293	87	18	or	or	CCONJ
fsr-3293	87	19	inconsistent	inconsistent	ADJ
fsr-3293	87	20	effect	effect	NOUN
fsr-3293	87	21	on	on	ADP
fsr-3293	87	22	consumption	consumption	NOUN
fsr-3293	87	23	for	for	ADP
fsr-3293	87	24	individuals	individual	NOUN
fsr-3293	87	25	far	far	ADV
fsr-3293	87	26	from	from	ADP
fsr-3293	87	27	retirement	retirement	NOUN
fsr-3293	87	28	but	but	CCONJ
fsr-3293	87	29	may	may	AUX
fsr-3293	87	30	have	have	VERB
fsr-3293	87	31	a	a	DET
fsr-3293	87	32	negative	negative	ADJ
fsr-3293	87	33	effect	effect	NOUN
fsr-3293	87	34	on	on	ADP
fsr-3293	87	35	consumption	consumption	NOUN
fsr-3293	87	36	for	for	ADP
fsr-3293	87	37	individuals	individual	NOUN
fsr-3293	87	38	near	near	ADP
fsr-3293	87	39	retirement	retirement	NOUN
fsr-3293	87	40	.	.	PUNCT
fsr-3293	88	1	that	that	PRON
fsr-3293	88	2	is	be	AUX
fsr-3293	88	3	to	to	PART
fsr-3293	88	4	say	say	VERB
fsr-3293	88	5	,	,	PUNCT
fsr-3293	88	6	for	for	ADP
fsr-3293	88	7	individuals	individual	NOUN
fsr-3293	88	8	near	near	ADP
fsr-3293	88	9	retirement	retirement	NOUN
fsr-3293	88	10	,	,	PUNCT
fsr-3293	88	11	those	those	PRON
fsr-3293	88	12	who	who	PRON
fsr-3293	88	13	expect	expect	VERB
fsr-3293	88	14	to	to	PART
fsr-3293	88	15	live	live	VERB
fsr-3293	88	16	longer	long	ADV
fsr-3293	88	17	should	should	AUX
fsr-3293	88	18	save	save	VERB
fsr-3293	88	19	more	more	ADJ
fsr-3293	88	20	and	and	CCONJ
fsr-3293	88	21	spend	spend	VERB
fsr-3293	88	22	less	less	ADJ
fsr-3293	88	23	than	than	ADP
fsr-3293	88	24	individuals	individual	NOUN
fsr-3293	88	25	far	far	ADV
fsr-3293	88	26	from	from	ADP
fsr-3293	88	27	retirement	retirement	NOUN
fsr-3293	88	28	.	.	PUNCT
fsr-3293	89	1	2	2	X
fsr-3293	89	2	.	.	X
fsr-3293	89	3	method	method	PROPN
fsr-3293	89	4	2.1	2.1	NUM
fsr-3293	89	5	.	.	PUNCT
fsr-3293	90	1	data	datum	NOUN
fsr-3293	90	2	the	the	DET
fsr-3293	90	3	2013	2013	NUM
fsr-3293	90	4	scf	scf	PROPN
fsr-3293	90	5	,	,	PUNCT
fsr-3293	90	6	a	a	DET
fsr-3293	90	7	triennial	triennial	ADJ
fsr-3293	90	8	survey	survey	NOUN
fsr-3293	90	9	sponsored	sponsor	VERB
fsr-3293	90	10	by	by	ADP
fsr-3293	90	11	the	the	DET
fsr-3293	90	12	federal	federal	PROPN
fsr-3293	90	13	reserve	reserve	PROPN
fsr-3293	90	14	board	board	PROPN
fsr-3293	90	15	(	(	PUNCT
fsr-3293	90	16	fed	fed	PROPN
fsr-3293	90	17	)	)	PUNCT
fsr-3293	90	18	,	,	PUNCT
fsr-3293	90	19	is	be	AUX
fsr-3293	90	20	used	use	VERB
fsr-3293	90	21	and	and	CCONJ
fsr-3293	90	22	our	our	PRON
fsr-3293	90	23	sample	sample	NOUN
fsr-3293	90	24	is	be	AUX
fsr-3293	90	25	limited	limit	VERB
fsr-3293	90	26	to	to	ADP
fsr-3293	90	27	respondents	respondent	NOUN
fsr-3293	90	28	who	who	PRON
fsr-3293	90	29	work	work	VERB
fsr-3293	90	30	full	full	ADJ
fsr-3293	90	31	-	-	PUNCT
fsr-3293	90	32	time	time	NOUN
fsr-3293	90	33	,	,	PUNCT
fsr-3293	90	34	expect	expect	VERB
fsr-3293	90	35	to	to	PART
fsr-3293	90	36	retire	retire	VERB
fsr-3293	90	37	,	,	PUNCT
fsr-3293	90	38	and	and	CCONJ
fsr-3293	90	39	have	have	VERB
fsr-3293	90	40	a	a	DET
fsr-3293	90	41	retirement	retirement	NOUN
fsr-3293	90	42	life	life	NOUN
fsr-3293	90	43	expectancy	expectancy	NOUN
fsr-3293	90	44	period	period	NOUN
fsr-3293	90	45	greater	great	ADJ
fsr-3293	90	46	than	than	ADP
fsr-3293	90	47	zero	zero	NUM
fsr-3293	90	48	(	(	PUNCT
fsr-3293	90	49	n	n	X
fsr-3293	90	50	�	�	PROPN
fsr-3293	90	51	2,632	2,632	NUM
fsr-3293	90	52	)	)	PUNCT
fsr-3293	90	53	.	.	PUNCT
fsr-3293	91	1	the	the	DET
fsr-3293	91	2	reason	reason	NOUN
fsr-3293	91	3	for	for	ADP
fsr-3293	91	4	this	this	DET
fsr-3293	91	5	restriction	restriction	NOUN
fsr-3293	91	6	is	be	AUX
fsr-3293	91	7	that	that	SCONJ
fsr-3293	91	8	full	full	ADJ
fsr-3293	91	9	-	-	PUNCT
fsr-3293	91	10	time	time	NOUN
fsr-3293	91	11	workers	worker	NOUN
fsr-3293	91	12	have	have	VERB
fsr-3293	91	13	the	the	DET
fsr-3293	91	14	greatest	great	ADJ
fsr-3293	91	15	flexibility	flexibility	NOUN
fsr-3293	91	16	in	in	ADP
fsr-3293	91	17	adjusting	adjust	VERB
fsr-3293	91	18	saving	saving	NOUN
fsr-3293	91	19	and	and	CCONJ
fsr-3293	91	20	consumption	consumption	NOUN
fsr-3293	91	21	decisions	decision	NOUN
fsr-3293	91	22	based	base	VERB
fsr-3293	91	23	on	on	ADP
fsr-3293	91	24	their	their	PRON
fsr-3293	91	25	life	life	NOUN
fsr-3293	91	26	expectancy	expectancy	NOUN
fsr-3293	91	27	.	.	PUNCT
fsr-3293	92	1	retired	retire	VERB
fsr-3293	92	2	households	household	NOUN
fsr-3293	92	3	or	or	CCONJ
fsr-3293	92	4	those	those	PRON
fsr-3293	92	5	who	who	PRON
fsr-3293	92	6	work	work	VERB
fsr-3293	92	7	less	less	ADV
fsr-3293	92	8	than	than	ADP
fsr-3293	92	9	full	full	ADJ
fsr-3293	92	10	-	-	PUNCT
fsr-3293	92	11	time	time	NOUN
fsr-3293	92	12	may	may	AUX
fsr-3293	92	13	systematically	systematically	ADV
fsr-3293	92	14	differ	differ	VERB
fsr-3293	92	15	from	from	ADP
fsr-3293	92	16	full	full	ADJ
fsr-3293	92	17	-	-	PUNCT
fsr-3293	92	18	time	time	NOUN
fsr-3293	92	19	workers	worker	NOUN
fsr-3293	92	20	.	.	PUNCT
fsr-3293	93	1	additionally	additionally	ADV
fsr-3293	93	2	,	,	PUNCT
fsr-3293	93	3	the	the	DET
fsr-3293	93	4	sample	sample	NOUN
fsr-3293	93	5	is	be	AUX
fsr-3293	93	6	limited	limit	VERB
fsr-3293	93	7	to	to	ADP
fsr-3293	93	8	those	those	PRON
fsr-3293	93	9	with	with	ADP
fsr-3293	93	10	a	a	DET
fsr-3293	93	11	rle	rle	NOUN
fsr-3293	93	12	period	period	NOUN
fsr-3293	93	13	greater	great	ADJ
fsr-3293	93	14	than	than	ADP
fsr-3293	93	15	zero	zero	NUM
fsr-3293	93	16	because	because	SCONJ
fsr-3293	93	17	a	a	DET
fsr-3293	93	18	few	few	ADJ
fsr-3293	93	19	respondents	respondent	NOUN
fsr-3293	93	20	had	have	VERB
fsr-3293	93	21	a	a	DET
fsr-3293	93	22	negative	negative	ADJ
fsr-3293	93	23	rle	rle	NOUN
fsr-3293	93	24	(	(	PUNCT
fsr-3293	93	25	i.e.	i.e.	X
fsr-3293	93	26	,	,	PUNCT
fsr-3293	93	27	the	the	DET
fsr-3293	93	28	respondent	respondent	NOUN
fsr-3293	93	29	expected	expect	VERB
fsr-3293	93	30	to	to	PART
fsr-3293	93	31	retire	retire	VERB
fsr-3293	93	32	at	at	ADP
fsr-3293	93	33	a	a	DET
fsr-3293	93	34	date	date	NOUN
fsr-3293	93	35	later	later	ADV
fsr-3293	93	36	than	than	ADP
fsr-3293	93	37	his	his	PRON
fsr-3293	93	38	or	or	CCONJ
fsr-3293	93	39	her	her	PRON
fsr-3293	93	40	life	life	NOUN
fsr-3293	93	41	expectancy	expectancy	NOUN
fsr-3293	93	42	)	)	PUNCT
fsr-3293	93	43	,	,	PUNCT
fsr-3293	93	44	possibly	possibly	ADV
fsr-3293	93	45	indicating	indicate	VERB
fsr-3293	93	46	that	that	SCONJ
fsr-3293	93	47	they	they	PRON
fsr-3293	93	48	did	do	AUX
fsr-3293	93	49	not	not	PART
fsr-3293	93	50	understand	understand	VERB
fsr-3293	93	51	the	the	DET
fsr-3293	93	52	questions	question	NOUN
fsr-3293	93	53	.	.	PUNCT
fsr-3293	94	1	the	the	DET
fsr-3293	94	2	switch	switch	NOUN
fsr-3293	94	3	5d.r	5d.r	NUM
fsr-3293	94	4	.	.	PUNCT
fsr-3293	94	5	lawson	lawson	PROPN
fsr-3293	94	6	,	,	PUNCT
fsr-3293	94	7	s.j	s.j	PROPN
fsr-3293	94	8	.	.	PROPN
fsr-3293	94	9	heckman	heckman	PROPN
fsr-3293	94	10	/	/	SYM
fsr-3293	94	11	financial	financial	PROPN
fsr-3293	94	12	services	service	NOUN
fsr-3293	94	13	review	review	VERB
fsr-3293	94	14	26	26	NUM
fsr-3293	94	15	(	(	PUNCT
fsr-3293	94	16	2017	2017	NUM
fsr-3293	94	17	)	)	PUNCT
fsr-3293	95	1	1–18	1–18	NUM
fsr-3293	95	2	variable	variable	NOUN
fsr-3293	95	3	in	in	ADP
fsr-3293	95	4	the	the	DET
fsr-3293	95	5	scf	scf	PROPN
fsr-3293	95	6	is	be	AUX
fsr-3293	95	7	used	use	VERB
fsr-3293	95	8	to	to	PART
fsr-3293	95	9	obtain	obtain	VERB
fsr-3293	95	10	respondent	respondent	NOUN
fsr-3293	95	11	characteristics	characteristic	NOUN
fsr-3293	95	12	(	(	PUNCT
fsr-3293	95	13	lindamood	lindamood	ADV
fsr-3293	95	14	,	,	PUNCT
fsr-3293	95	15	hanna	hanna	PROPN
fsr-3293	95	16	,	,	PUNCT
fsr-3293	95	17	&	&	CCONJ
fsr-3293	95	18	bi	bi	PROPN
fsr-3293	95	19	,	,	PUNCT
fsr-3293	95	20	2007	2007	NUM
fsr-3293	95	21	)	)	PUNCT
fsr-3293	95	22	.	.	PUNCT
fsr-3293	96	1	for	for	ADP
fsr-3293	96	2	consistency	consistency	NOUN
fsr-3293	96	3	,	,	PUNCT
fsr-3293	96	4	weighted	weight	VERB
fsr-3293	96	5	statistics	statistic	NOUN
fsr-3293	96	6	and	and	CCONJ
fsr-3293	96	7	regression	regression	NOUN
fsr-3293	96	8	models	model	NOUN
fsr-3293	96	9	are	be	AUX
fsr-3293	96	10	presented	present	VERB
fsr-3293	96	11	,	,	PUNCT
fsr-3293	96	12	although	although	SCONJ
fsr-3293	96	13	multivariate	multivariate	NOUN
fsr-3293	96	14	results	result	NOUN
fsr-3293	96	15	are	be	AUX
fsr-3293	96	16	robust	robust	ADJ
fsr-3293	96	17	to	to	ADP
fsr-3293	96	18	weighting	weight	VERB
fsr-3293	96	19	.	.	PUNCT
fsr-3293	97	1	the	the	DET
fsr-3293	97	2	scf	scf	PROPN
fsr-3293	97	3	relies	rely	VERB
fsr-3293	97	4	on	on	ADP
fsr-3293	97	5	a	a	DET
fsr-3293	97	6	complex	complex	ADJ
fsr-3293	97	7	sampling	sampling	NOUN
fsr-3293	97	8	design	design	NOUN
fsr-3293	97	9	(	(	PUNCT
fsr-3293	97	10	nielsen	nielsen	PROPN
fsr-3293	97	11	&	&	CCONJ
fsr-3293	97	12	seay	seay	PROPN
fsr-3293	97	13	,	,	PUNCT
fsr-3293	97	14	2014	2014	NUM
fsr-3293	97	15	;	;	PUNCT
fsr-3293	97	16	shin	shin	PROPN
fsr-3293	97	17	&	&	CCONJ
fsr-3293	97	18	hanna	hanna	PROPN
fsr-3293	97	19	,	,	PUNCT
fsr-3293	97	20	2016	2016	NUM
fsr-3293	97	21	)	)	PUNCT
fsr-3293	97	22	and	and	CCONJ
fsr-3293	97	23	uses	use	VERB
fsr-3293	97	24	multiple	multiple	ADJ
fsr-3293	97	25	imputation	imputation	NOUN
fsr-3293	97	26	to	to	PART
fsr-3293	97	27	handle	handle	VERB
fsr-3293	97	28	missing	miss	VERB
fsr-3293	97	29	data	datum	NOUN
fsr-3293	97	30	and	and	CCONJ
fsr-3293	97	31	to	to	PART
fsr-3293	97	32	help	help	VERB
fsr-3293	97	33	protect	protect	VERB
fsr-3293	97	34	participants	participant	NOUN
fsr-3293	97	35	’	'	PUNCT
fsr-3293	97	36	privacy	privacy	NOUN
fsr-3293	97	37	(	(	PUNCT
fsr-3293	97	38	montalto	montalto	PROPN
fsr-3293	97	39	&	&	CCONJ
fsr-3293	97	40	sung	sung	PROPN
fsr-3293	97	41	,	,	PUNCT
fsr-3293	97	42	1996	1996	NUM
fsr-3293	97	43	)	)	PUNCT
fsr-3293	97	44	.	.	PUNCT
fsr-3293	98	1	therefore	therefore	ADV
fsr-3293	98	2	,	,	PUNCT
fsr-3293	98	3	an	an	DET
fsr-3293	98	4	available	available	ADJ
fsr-3293	98	5	stata	stata	NOUN
fsr-3293	98	6	program	program	NOUN
fsr-3293	98	7	(	(	PUNCT
fsr-3293	98	8	see	see	VERB
fsr-3293	98	9	nielsen	nielsen	PROPN
fsr-3293	98	10	,	,	PUNCT
fsr-3293	98	11	2015	2015	NUM
fsr-3293	98	12	)	)	PUNCT
fsr-3293	98	13	is	be	AUX
fsr-3293	98	14	used	use	VERB
fsr-3293	98	15	to	to	PART
fsr-3293	98	16	implement	implement	VERB
fsr-3293	98	17	the	the	DET
fsr-3293	98	18	repeated	repeat	VERB
fsr-3293	98	19	imputation	imputation	NOUN
fsr-3293	98	20	inference	inference	NOUN
fsr-3293	98	21	(	(	PUNCT
fsr-3293	98	22	rii	rii	NOUN
fsr-3293	98	23	)	)	PUNCT
fsr-3293	98	24	method	method	NOUN
fsr-3293	98	25	(	(	PUNCT
fsr-3293	98	26	montalto	montalto	PROPN
fsr-3293	98	27	&	&	CCONJ
fsr-3293	98	28	sung	sung	PROPN
fsr-3293	98	29	,	,	PUNCT
fsr-3293	98	30	1996	1996	NUM
fsr-3293	98	31	)	)	PUNCT
fsr-3293	98	32	while	while	SCONJ
fsr-3293	98	33	also	also	ADV
fsr-3293	98	34	using	use	VERB
fsr-3293	98	35	the	the	DET
fsr-3293	98	36	replicate	replicate	ADJ
fsr-3293	98	37	weight	weight	NOUN
fsr-3293	98	38	file	file	NOUN
fsr-3293	98	39	provided	provide	VERB
fsr-3293	98	40	by	by	ADP
fsr-3293	98	41	the	the	DET
fsr-3293	98	42	fed	fed	PROPN
fsr-3293	98	43	to	to	PART
fsr-3293	98	44	bootstrap	bootstrap	VERB
fsr-3293	98	45	the	the	DET
fsr-3293	98	46	standard	standard	ADJ
fsr-3293	98	47	errors	error	NOUN
fsr-3293	98	48	(	(	PUNCT
fsr-3293	98	49	nielsen	nielsen	PROPN
fsr-3293	98	50	&	&	CCONJ
fsr-3293	98	51	seay	seay	PROPN
fsr-3293	98	52	,	,	PUNCT
fsr-3293	98	53	2014	2014	NUM
fsr-3293	98	54	)	)	PUNCT
fsr-3293	98	55	.	.	PUNCT
fsr-3293	99	1	this	this	DET
fsr-3293	99	2	procedure	procedure	NOUN
fsr-3293	99	3	provides	provide	VERB
fsr-3293	99	4	estimates	estimate	NOUN
fsr-3293	99	5	of	of	ADP
fsr-3293	99	6	variance	variance	NOUN
fsr-3293	99	7	that	that	PRON
fsr-3293	99	8	are	be	AUX
fsr-3293	99	9	closer	close	ADJ
fsr-3293	99	10	to	to	ADP
fsr-3293	99	11	the	the	DET
fsr-3293	99	12	true	true	ADJ
fsr-3293	99	13	variance	variance	NOUN
fsr-3293	99	14	.	.	PUNCT
fsr-3293	100	1	2.2	2.2	NUM
fsr-3293	100	2	.	.	PUNCT
fsr-3293	101	1	variables	variable	NOUN
fsr-3293	101	2	three	three	NUM
fsr-3293	101	3	dependent	dependent	ADJ
fsr-3293	101	4	variables	variable	NOUN
fsr-3293	101	5	were	be	AUX
fsr-3293	101	6	chosen	choose	VERB
fsr-3293	101	7	to	to	PART
fsr-3293	101	8	represent	represent	VERB
fsr-3293	101	9	consumption	consumption	NOUN
fsr-3293	101	10	decisions	decision	NOUN
fsr-3293	101	11	in	in	ADP
fsr-3293	101	12	the	the	DET
fsr-3293	101	13	scf	scf	PROPN
fsr-3293	101	14	:	:	PUNCT
fsr-3293	101	15	(	(	PUNCT
fsr-3293	101	16	a	a	X
fsr-3293	101	17	)	)	PUNCT
fsr-3293	101	18	financial	financial	ADJ
fsr-3293	101	19	assets	asset	NOUN
fsr-3293	101	20	,	,	PUNCT
fsr-3293	101	21	(	(	PUNCT
fsr-3293	101	22	b	b	X
fsr-3293	101	23	)	)	PUNCT
fsr-3293	101	24	credit	credit	NOUN
fsr-3293	101	25	card	card	NOUN
fsr-3293	101	26	balance	balance	NOUN
fsr-3293	101	27	,	,	PUNCT
fsr-3293	101	28	and	and	CCONJ
fsr-3293	101	29	(	(	PUNCT
fsr-3293	101	30	c	c	NOUN
fsr-3293	101	31	)	)	PUNCT
fsr-3293	101	32	saving	save	VERB
fsr-3293	101	33	behavior	behavior	NOUN
fsr-3293	101	34	.	.	PUNCT
fsr-3293	102	1	both	both	PRON
fsr-3293	102	2	financial	financial	ADJ
fsr-3293	102	3	assets	asset	NOUN
fsr-3293	102	4	and	and	CCONJ
fsr-3293	102	5	credit	credit	NOUN
fsr-3293	102	6	card	card	NOUN
fsr-3293	102	7	balances	balance	NOUN
fsr-3293	102	8	are	be	AUX
fsr-3293	102	9	log	log	NOUN
fsr-3293	102	10	-	-	PUNCT
fsr-3293	102	11	transformed	transform	VERB
fsr-3293	102	12	to	to	PART
fsr-3293	102	13	correct	correct	VERB
fsr-3293	102	14	for	for	ADP
fsr-3293	102	15	the	the	DET
fsr-3293	102	16	highly	highly	ADV
fsr-3293	102	17	skewed	skewed	ADJ
fsr-3293	102	18	distribution	distribution	NOUN
fsr-3293	102	19	.	.	PUNCT
fsr-3293	103	1	our	our	PRON
fsr-3293	103	2	third	third	ADJ
fsr-3293	103	3	dependent	dependent	ADJ
fsr-3293	103	4	variable	variable	NOUN
fsr-3293	103	5	is	be	AUX
fsr-3293	103	6	saving	save	VERB
fsr-3293	103	7	behavior	behavior	NOUN
fsr-3293	103	8	(	(	PUNCT
fsr-3293	103	9	whether	whether	SCONJ
fsr-3293	103	10	or	or	CCONJ
fsr-3293	103	11	not	not	PART
fsr-3293	103	12	the	the	DET
fsr-3293	103	13	respondent	respondent	NOUN
fsr-3293	103	14	saved	save	VERB
fsr-3293	103	15	or	or	CCONJ
fsr-3293	103	16	not).2	not).2	PRON
fsr-3293	103	17	this	this	PRON
fsr-3293	103	18	is	be	AUX
fsr-3293	103	19	measured	measure	VERB
fsr-3293	103	20	by	by	ADP
fsr-3293	103	21	whether	whether	SCONJ
fsr-3293	103	22	or	or	CCONJ
fsr-3293	103	23	not	not	PART
fsr-3293	103	24	the	the	DET
fsr-3293	103	25	household	household	NOUN
fsr-3293	103	26	reported	report	VERB
fsr-3293	103	27	spending	spend	VERB
fsr-3293	103	28	less	less	ADJ
fsr-3293	103	29	than	than	ADP
fsr-3293	103	30	income	income	NOUN
fsr-3293	103	31	,	,	PUNCT
fsr-3293	103	32	after	after	ADP
fsr-3293	103	33	considering	consider	VERB
fsr-3293	103	34	durable	durable	ADJ
fsr-3293	103	35	goods	good	NOUN
fsr-3293	103	36	purchases	purchase	NOUN
fsr-3293	103	37	(	(	PUNCT
fsr-3293	103	38	in	in	ADP
fsr-3293	103	39	particular	particular	ADJ
fsr-3293	103	40	,	,	PUNCT
fsr-3293	103	41	costs	cost	NOUN
fsr-3293	103	42	associated	associate	VERB
fsr-3293	103	43	with	with	ADP
fsr-3293	103	44	purchasing	purchase	VERB
fsr-3293	103	45	a	a	DET
fsr-3293	103	46	car	car	NOUN
fsr-3293	103	47	,	,	PUNCT
fsr-3293	103	48	home	home	NOUN
fsr-3293	103	49	,	,	PUNCT
fsr-3293	103	50	or	or	CCONJ
fsr-3293	103	51	investments	investment	NOUN
fsr-3293	103	52	are	be	AUX
fsr-3293	103	53	considered	consider	VERB
fsr-3293	103	54	savings	saving	NOUN
fsr-3293	103	55	in	in	ADP
fsr-3293	103	56	the	the	DET
fsr-3293	103	57	scf	scf	PROPN
fsr-3293	103	58	)	)	PUNCT
fsr-3293	103	59	.	.	PUNCT
fsr-3293	104	1	households	household	NOUN
fsr-3293	104	2	who	who	PRON
fsr-3293	104	3	spent	spend	VERB
fsr-3293	104	4	all	all	PRON
fsr-3293	104	5	or	or	CCONJ
fsr-3293	104	6	more	more	ADJ
fsr-3293	104	7	of	of	ADP
fsr-3293	104	8	their	their	PRON
fsr-3293	104	9	income	income	NOUN
fsr-3293	104	10	are	be	AUX
fsr-3293	104	11	described	describe	VERB
fsr-3293	104	12	as	as	ADP
fsr-3293	104	13	non	non	NOUN
fsr-3293	104	14	-	-	NOUN
fsr-3293	104	15	savers	saver	NOUN
fsr-3293	104	16	.	.	PUNCT
fsr-3293	105	1	the	the	DET
fsr-3293	105	2	key	key	ADJ
fsr-3293	105	3	independent	independent	ADJ
fsr-3293	105	4	variables	variable	NOUN
fsr-3293	105	5	are	be	AUX
fsr-3293	105	6	remaining	remain	VERB
fsr-3293	105	7	work	work	NOUN
fsr-3293	105	8	life	life	NOUN
fsr-3293	105	9	expectancy	expectancy	NOUN
fsr-3293	105	10	(	(	PUNCT
fsr-3293	105	11	rwle	rwle	ADJ
fsr-3293	105	12	)	)	PUNCT
fsr-3293	105	13	and	and	CCONJ
fsr-3293	105	14	retirement	retirement	NOUN
fsr-3293	105	15	life	life	NOUN
fsr-3293	105	16	expectancy	expectancy	NOUN
fsr-3293	105	17	(	(	PUNCT
fsr-3293	105	18	rle	rle	PROPN
fsr-3293	105	19	)	)	PUNCT
fsr-3293	105	20	.	.	PUNCT
fsr-3293	106	1	rwle	rwle	PROPN
fsr-3293	106	2	is	be	AUX
fsr-3293	106	3	computed	compute	VERB
fsr-3293	106	4	by	by	ADP
fsr-3293	106	5	subtracting	subtract	VERB
fsr-3293	106	6	respondent	respondent	NOUN
fsr-3293	106	7	age	age	NOUN
fsr-3293	106	8	from	from	ADP
fsr-3293	106	9	respondent	respondent	NOUN
fsr-3293	106	10	’s	’s	PART
fsr-3293	106	11	estimated	estimate	VERB
fsr-3293	106	12	retirement	retirement	NOUN
fsr-3293	106	13	age	age	NOUN
fsr-3293	106	14	.	.	PUNCT
fsr-3293	107	1	rle	rle	PROPN
fsr-3293	107	2	is	be	AUX
fsr-3293	107	3	computed	compute	VERB
fsr-3293	107	4	by	by	ADP
fsr-3293	107	5	subtracting	subtract	VERB
fsr-3293	107	6	respondent	respondent	NOUN
fsr-3293	107	7	’s	’s	PART
fsr-3293	107	8	retirement	retirement	NOUN
fsr-3293	107	9	age	age	NOUN
fsr-3293	107	10	from	from	ADP
fsr-3293	107	11	respondent	respondent	NOUN
fsr-3293	107	12	’s	’s	PART
fsr-3293	107	13	estimated	estimate	VERB
fsr-3293	107	14	life	life	NOUN
fsr-3293	107	15	expectancy	expectancy	NOUN
fsr-3293	107	16	.	.	PUNCT
fsr-3293	108	1	from	from	ADP
fsr-3293	108	2	a	a	DET
fsr-3293	108	3	life	life	NOUN
fsr-3293	108	4	cycle	cycle	NOUN
fsr-3293	108	5	perspective	perspective	NOUN
fsr-3293	108	6	,	,	PUNCT
fsr-3293	108	7	examining	examine	VERB
fsr-3293	108	8	rwle	rwle	ADJ
fsr-3293	108	9	and	and	CCONJ
fsr-3293	108	10	rle	rle	NOUN
fsr-3293	108	11	is	be	AUX
fsr-3293	108	12	reasonable	reasonable	ADJ
fsr-3293	108	13	as	as	SCONJ
fsr-3293	108	14	it	it	PRON
fsr-3293	108	15	highlights	highlight	VERB
fsr-3293	108	16	the	the	DET
fsr-3293	108	17	tradeoff	tradeoff	NOUN
fsr-3293	108	18	between	between	ADP
fsr-3293	108	19	saving	save	VERB
fsr-3293	108	20	(	(	PUNCT
fsr-3293	108	21	during	during	ADP
fsr-3293	108	22	rwle	rwle	NOUN
fsr-3293	108	23	)	)	PUNCT
fsr-3293	108	24	and	and	CCONJ
fsr-3293	108	25	dissaving	dissave	VERB
fsr-3293	108	26	(	(	PUNCT
fsr-3293	108	27	during	during	ADP
fsr-3293	108	28	rle	rle	PROPN
fsr-3293	108	29	)	)	PUNCT
fsr-3293	108	30	.	.	PUNCT
fsr-3293	109	1	delaying	delay	VERB
fsr-3293	109	2	retirement	retirement	NOUN
fsr-3293	109	3	while	while	SCONJ
fsr-3293	109	4	holding	hold	VERB
fsr-3293	109	5	life	life	NOUN
fsr-3293	109	6	expectancy	expectancy	NOUN
fsr-3293	109	7	constant	constant	ADJ
fsr-3293	109	8	has	have	VERB
fsr-3293	109	9	the	the	DET
fsr-3293	109	10	beneficial	beneficial	ADJ
fsr-3293	109	11	effect	effect	NOUN
fsr-3293	109	12	(	(	PUNCT
fsr-3293	109	13	assuming	assume	VERB
fsr-3293	109	14	a	a	DET
fsr-3293	109	15	life	life	NOUN
fsr-3293	109	16	cycle	cycle	NOUN
fsr-3293	109	17	hypothesis	hypothesis	NOUN
fsr-3293	109	18	perspective	perspective	NOUN
fsr-3293	109	19	)	)	PUNCT
fsr-3293	109	20	of	of	ADP
fsr-3293	109	21	increasing	increase	VERB
fsr-3293	109	22	wealth	wealth	NOUN
fsr-3293	109	23	while	while	SCONJ
fsr-3293	109	24	reducing	reduce	VERB
fsr-3293	109	25	the	the	DET
fsr-3293	109	26	number	number	NOUN
fsr-3293	109	27	of	of	ADP
fsr-3293	109	28	years	year	NOUN
fsr-3293	109	29	without	without	ADP
fsr-3293	109	30	earned	earn	VERB
fsr-3293	109	31	income	income	NOUN
fsr-3293	109	32	,	,	PUNCT
fsr-3293	109	33	which	which	PRON
fsr-3293	109	34	has	have	VERB
fsr-3293	109	35	an	an	DET
fsr-3293	109	36	overall	overall	ADJ
fsr-3293	109	37	positive	positive	ADJ
fsr-3293	109	38	effect	effect	NOUN
fsr-3293	109	39	on	on	ADP
fsr-3293	109	40	consumption	consumption	NOUN
fsr-3293	109	41	during	during	ADP
fsr-3293	109	42	the	the	DET
fsr-3293	109	43	remainder	remainder	NOUN
fsr-3293	109	44	of	of	ADP
fsr-3293	109	45	the	the	DET
fsr-3293	109	46	life	life	NOUN
fsr-3293	109	47	.	.	PUNCT
fsr-3293	110	1	the	the	DET
fsr-3293	110	2	opposite	opposite	NOUN
fsr-3293	110	3	also	also	ADV
fsr-3293	110	4	holds	hold	VERB
fsr-3293	110	5	—	—	PUNCT
fsr-3293	110	6	retiring	retire	VERB
fsr-3293	110	7	early	early	ADJ
fsr-3293	110	8	reduces	reduce	VERB
fsr-3293	110	9	wealth	wealth	NOUN
fsr-3293	110	10	while	while	SCONJ
fsr-3293	110	11	increasing	increase	VERB
fsr-3293	110	12	the	the	DET
fsr-3293	110	13	number	number	NOUN
fsr-3293	110	14	of	of	ADP
fsr-3293	110	15	years	year	NOUN
fsr-3293	110	16	without	without	ADP
fsr-3293	110	17	earned	earn	VERB
fsr-3293	110	18	income	income	NOUN
fsr-3293	110	19	.	.	PUNCT
fsr-3293	111	1	therefore	therefore	ADV
fsr-3293	111	2	,	,	PUNCT
fsr-3293	111	3	coding	code	VERB
fsr-3293	111	4	each	each	DET
fsr-3293	111	5	period	period	NOUN
fsr-3293	111	6	should	should	AUX
fsr-3293	111	7	yield	yield	VERB
fsr-3293	111	8	clearer	clear	ADJ
fsr-3293	111	9	results	result	NOUN
fsr-3293	111	10	.	.	PUNCT
fsr-3293	112	1	to	to	PART
fsr-3293	112	2	identify	identify	VERB
fsr-3293	112	3	the	the	DET
fsr-3293	112	4	ceteris	ceteris	NOUN
fsr-3293	112	5	paribus	paribus	ADJ
fsr-3293	112	6	influence	influence	NOUN
fsr-3293	112	7	of	of	ADP
fsr-3293	112	8	life	life	NOUN
fsr-3293	112	9	expectancy	expectancy	NOUN
fsr-3293	112	10	on	on	ADP
fsr-3293	112	11	consumption	consumption	NOUN
fsr-3293	112	12	decisions	decision	NOUN
fsr-3293	112	13	,	,	PUNCT
fsr-3293	112	14	a	a	DET
fsr-3293	112	15	number	number	NOUN
fsr-3293	112	16	of	of	ADP
fsr-3293	112	17	variables	variable	NOUN
fsr-3293	112	18	were	be	AUX
fsr-3293	112	19	included	include	VERB
fsr-3293	112	20	as	as	ADP
fsr-3293	112	21	controls	control	NOUN
fsr-3293	112	22	,	,	PUNCT
fsr-3293	112	23	including	include	VERB
fsr-3293	112	24	relationship	relationship	NOUN
fsr-3293	112	25	status	status	NOUN
fsr-3293	112	26	and	and	CCONJ
fsr-3293	112	27	gender	gender	NOUN
fsr-3293	112	28	(	(	PUNCT
fsr-3293	112	29	married	married	ADJ
fsr-3293	112	30	,	,	PUNCT
fsr-3293	112	31	single	single	ADJ
fsr-3293	112	32	male	male	NOUN
fsr-3293	112	33	,	,	PUNCT
fsr-3293	112	34	single	single	ADJ
fsr-3293	112	35	female	female	NOUN
fsr-3293	112	36	,	,	PUNCT
fsr-3293	112	37	or	or	CCONJ
fsr-3293	112	38	partner	partner	NOUN
fsr-3293	112	39	)	)	PUNCT
fsr-3293	112	40	,	,	PUNCT
fsr-3293	112	41	racial	racial	ADJ
fsr-3293	112	42	or	or	CCONJ
fsr-3293	112	43	ethnic	ethnic	ADJ
fsr-3293	112	44	status	status	NOUN
fsr-3293	112	45	(	(	PUNCT
fsr-3293	112	46	white	white	ADJ
fsr-3293	112	47	,	,	PUNCT
fsr-3293	112	48	black	black	ADJ
fsr-3293	112	49	,	,	PUNCT
fsr-3293	112	50	hispanic	hispanic	ADJ
fsr-3293	112	51	,	,	PUNCT
fsr-3293	112	52	or	or	CCONJ
fsr-3293	112	53	other	other	ADJ
fsr-3293	112	54	)	)	PUNCT
fsr-3293	112	55	,	,	PUNCT
fsr-3293	112	56	education	education	NOUN
fsr-3293	112	57	(	(	PUNCT
fsr-3293	112	58	less	less	ADJ
fsr-3293	112	59	than	than	ADP
fsr-3293	112	60	high	high	ADJ
fsr-3293	112	61	school	school	NOUN
fsr-3293	112	62	,	,	PUNCT
fsr-3293	112	63	high	high	ADJ
fsr-3293	112	64	school	school	NOUN
fsr-3293	112	65	,	,	PUNCT
fsr-3293	112	66	some	some	DET
fsr-3293	112	67	college	college	NOUN
fsr-3293	112	68	,	,	PUNCT
fsr-3293	112	69	bachelor	bachelor	NOUN
fsr-3293	112	70	’s	’s	PART
fsr-3293	112	71	degree	degree	NOUN
fsr-3293	112	72	,	,	PUNCT
fsr-3293	112	73	or	or	CCONJ
fsr-3293	112	74	graduate	graduate	NOUN
fsr-3293	112	75	degree	degree	NOUN
fsr-3293	112	76	)	)	PUNCT
fsr-3293	112	77	,	,	PUNCT
fsr-3293	112	78	whether	whether	SCONJ
fsr-3293	112	79	or	or	CCONJ
fsr-3293	112	80	not	not	PART
fsr-3293	112	81	the	the	DET
fsr-3293	112	82	respondent	respondent	NOUN
fsr-3293	112	83	has	have	VERB
fsr-3293	112	84	children	child	NOUN
fsr-3293	112	85	in	in	ADP
fsr-3293	112	86	the	the	DET
fsr-3293	112	87	household	household	NOUN
fsr-3293	112	88	that	that	PRON
fsr-3293	112	89	are	be	AUX
fsr-3293	112	90	under	under	ADP
fsr-3293	112	91	the	the	DET
fsr-3293	112	92	age	age	NOUN
fsr-3293	112	93	of	of	ADP
fsr-3293	112	94	18	18	NUM
fsr-3293	112	95	,	,	PUNCT
fsr-3293	112	96	and	and	CCONJ
fsr-3293	112	97	health	health	NOUN
fsr-3293	112	98	status	status	NOUN
fsr-3293	112	99	(	(	PUNCT
fsr-3293	112	100	poor	poor	ADJ
fsr-3293	112	101	health	health	NOUN
fsr-3293	112	102	vs.	vs.	ADP
fsr-3293	112	103	good	good	ADJ
fsr-3293	112	104	health	health	NOUN
fsr-3293	112	105	)	)	PUNCT
fsr-3293	112	106	.	.	PUNCT
fsr-3293	113	1	other	other	ADJ
fsr-3293	113	2	controls	control	NOUN
fsr-3293	113	3	are	be	AUX
fsr-3293	113	4	if	if	SCONJ
fsr-3293	113	5	the	the	DET
fsr-3293	113	6	respondent	respondent	NOUN
fsr-3293	113	7	contributes	contribute	VERB
fsr-3293	113	8	to	to	ADP
fsr-3293	113	9	a	a	DET
fsr-3293	113	10	retirement	retirement	NOUN
fsr-3293	113	11	plan	plan	NOUN
fsr-3293	113	12	at	at	ADP
fsr-3293	113	13	work	work	NOUN
fsr-3293	113	14	,	,	PUNCT
fsr-3293	113	15	if	if	SCONJ
fsr-3293	113	16	they	they	PRON
fsr-3293	113	17	have	have	VERB
fsr-3293	113	18	access	access	NOUN
fsr-3293	113	19	to	to	ADP
fsr-3293	113	20	$	$	SYM
fsr-3293	113	21	3,000	3,000	NUM
fsr-3293	113	22	from	from	ADP
fsr-3293	113	23	a	a	DET
fsr-3293	113	24	family	family	NOUN
fsr-3293	113	25	member	member	NOUN
fsr-3293	113	26	or	or	CCONJ
fsr-3293	113	27	friend	friend	NOUN
fsr-3293	113	28	in	in	ADP
fsr-3293	113	29	the	the	DET
fsr-3293	113	30	event	event	NOUN
fsr-3293	113	31	of	of	ADP
fsr-3293	113	32	an	an	DET
fsr-3293	113	33	emergency	emergency	NOUN
fsr-3293	113	34	,	,	PUNCT
fsr-3293	113	35	their	their	PRON
fsr-3293	113	36	planning	planning	NOUN
fsr-3293	113	37	horizon	horizon	NOUN
fsr-3293	113	38	(	(	PUNCT
fsr-3293	113	39	short	short	ADJ
fsr-3293	113	40	,	,	PUNCT
fsr-3293	113	41	intermediate	intermediate	ADJ
fsr-3293	113	42	,	,	PUNCT
fsr-3293	113	43	or	or	CCONJ
fsr-3293	113	44	long	long	ADJ
fsr-3293	113	45	)	)	PUNCT
fsr-3293	113	46	,	,	PUNCT
fsr-3293	113	47	income	income	NOUN
fsr-3293	113	48	(	(	PUNCT
fsr-3293	113	49	log	log	NOUN
fsr-3293	113	50	)	)	PUNCT
fsr-3293	113	51	,	,	PUNCT
fsr-3293	113	52	net	net	ADJ
fsr-3293	113	53	worth	worth	NOUN
fsr-3293	113	54	(	(	PUNCT
fsr-3293	113	55	log	log	NOUN
fsr-3293	113	56	;	;	PUNCT
fsr-3293	113	57	only	only	ADV
fsr-3293	113	58	for	for	ADP
fsr-3293	113	59	the	the	DET
fsr-3293	113	60	saved	save	VERB
fsr-3293	113	61	model	model	NOUN
fsr-3293	113	62	)	)	PUNCT
fsr-3293	113	63	,	,	PUNCT
fsr-3293	113	64	and	and	CCONJ
fsr-3293	113	65	the	the	DET
fsr-3293	113	66	degree	degree	NOUN
fsr-3293	113	67	to	to	PART
fsr-3293	113	68	which	which	PRON
fsr-3293	113	69	the	the	DET
fsr-3293	113	70	survey	survey	NOUN
fsr-3293	113	71	administrator	administrator	NOUN
fsr-3293	113	72	believed	believe	VERB
fsr-3293	113	73	that	that	SCONJ
fsr-3293	113	74	the	the	DET
fsr-3293	113	75	respondent	respondent	NOUN
fsr-3293	113	76	understood	understand	VERB
fsr-3293	113	77	the	the	DET
fsr-3293	113	78	scf	scf	PROPN
fsr-3293	113	79	questions	question	NOUN
fsr-3293	113	80	(	(	PUNCT
fsr-3293	113	81	poor	poor	ADJ
fsr-3293	113	82	/	/	SYM
fsr-3293	113	83	fair	fair	ADJ
fsr-3293	113	84	,	,	PUNCT
fsr-3293	113	85	good	good	ADJ
fsr-3293	113	86	,	,	PUNCT
fsr-3293	113	87	or	or	CCONJ
fsr-3293	113	88	excellent	excellent	ADJ
fsr-3293	113	89	)	)	PUNCT
fsr-3293	113	90	.	.	PUNCT
fsr-3293	114	1	to	to	PART
fsr-3293	114	2	account	account	VERB
fsr-3293	114	3	for	for	ADP
fsr-3293	114	4	negative	negative	ADJ
fsr-3293	114	5	values	value	NOUN
fsr-3293	114	6	of	of	ADP
fsr-3293	114	7	net	net	ADJ
fsr-3293	114	8	worth	worth	NOUN
fsr-3293	114	9	,	,	PUNCT
fsr-3293	114	10	log	log	NOUN
fsr-3293	114	11	(	(	PUNCT
fsr-3293	114	12	0.01	0.01	NUM
fsr-3293	114	13	)	)	PUNCT
fsr-3293	114	14	is	be	AUX
fsr-3293	114	15	used	use	VERB
fsr-3293	114	16	.	.	PUNCT
fsr-3293	115	1	additional	additional	ADJ
fsr-3293	115	2	controls	control	NOUN
fsr-3293	115	3	are	be	AUX
fsr-3293	115	4	whether	whether	SCONJ
fsr-3293	115	5	or	or	CCONJ
fsr-3293	115	6	not	not	PART
fsr-3293	115	7	the	the	DET
fsr-3293	115	8	respondent	respondent	NOUN
fsr-3293	115	9	owns	own	VERB
fsr-3293	115	10	a	a	DET
fsr-3293	115	11	home	home	NOUN
fsr-3293	115	12	,	,	PUNCT
fsr-3293	115	13	plans	plan	VERB
fsr-3293	115	14	to	to	ADP
fsr-3293	115	15	6	6	NUM
fsr-3293	115	16	d.r	d.r	PROPN
fsr-3293	115	17	.	.	PROPN
fsr-3293	115	18	lawson	lawson	PROPN
fsr-3293	115	19	,	,	PUNCT
fsr-3293	115	20	s.j	s.j	PROPN
fsr-3293	115	21	.	.	PROPN
fsr-3293	115	22	heckman	heckman	PROPN
fsr-3293	115	23	/	/	SYM
fsr-3293	115	24	financial	financial	PROPN
fsr-3293	115	25	services	service	NOUN
fsr-3293	115	26	review	review	VERB
fsr-3293	115	27	26	26	NUM
fsr-3293	115	28	(	(	PUNCT
fsr-3293	115	29	2017	2017	NUM
fsr-3293	115	30	)	)	PUNCT
fsr-3293	115	31	1–18	1–18	NOUN
fsr-3293	115	32	give	give	VERB
fsr-3293	115	33	a	a	DET
fsr-3293	115	34	bequest	bequest	NOUN
fsr-3293	115	35	(	(	PUNCT
fsr-3293	115	36	spaenjers	spaenjer	NOUN
fsr-3293	115	37	&	&	CCONJ
fsr-3293	115	38	spira	spira	PROPN
fsr-3293	115	39	,	,	PUNCT
fsr-3293	115	40	2015	2015	NUM
fsr-3293	115	41	)	)	PUNCT
fsr-3293	115	42	,	,	PUNCT
fsr-3293	115	43	and	and	CCONJ
fsr-3293	115	44	if	if	SCONJ
fsr-3293	115	45	they	they	PRON
fsr-3293	115	46	expect	expect	VERB
fsr-3293	115	47	to	to	PART
fsr-3293	115	48	receive	receive	VERB
fsr-3293	115	49	an	an	DET
fsr-3293	115	50	inheritance	inheritance	NOUN
fsr-3293	115	51	in	in	ADP
fsr-3293	115	52	the	the	DET
fsr-3293	115	53	future	future	NOUN
fsr-3293	115	54	.	.	PUNCT
fsr-3293	116	1	2.3	2.3	NUM
fsr-3293	116	2	.	.	PUNCT
fsr-3293	116	3	models	model	NOUN
fsr-3293	116	4	ordinary	ordinary	ADJ
fsr-3293	116	5	least	least	ADJ
fsr-3293	116	6	squares	square	NOUN
fsr-3293	116	7	is	be	AUX
fsr-3293	116	8	used	use	VERB
fsr-3293	116	9	to	to	PART
fsr-3293	116	10	model	model	VERB
fsr-3293	116	11	log	log	NOUN
fsr-3293	116	12	credit	credit	NOUN
fsr-3293	116	13	card	card	NOUN
fsr-3293	116	14	balance	balance	NOUN
fsr-3293	116	15	and	and	CCONJ
fsr-3293	116	16	log	log	VERB
fsr-3293	116	17	financial	financial	ADJ
fsr-3293	116	18	assets	asset	NOUN
fsr-3293	116	19	and	and	CCONJ
fsr-3293	116	20	binary	binary	ADJ
fsr-3293	116	21	logistic	logistic	ADJ
fsr-3293	116	22	regression	regression	NOUN
fsr-3293	116	23	is	be	AUX
fsr-3293	116	24	used	use	VERB
fsr-3293	116	25	to	to	PART
fsr-3293	116	26	model	model	VERB
fsr-3293	116	27	whether	whether	SCONJ
fsr-3293	116	28	or	or	CCONJ
fsr-3293	116	29	not	not	PART
fsr-3293	116	30	the	the	DET
fsr-3293	116	31	household	household	NOUN
fsr-3293	116	32	saved	save	VERB
fsr-3293	116	33	.	.	PUNCT
fsr-3293	117	1	the	the	DET
fsr-3293	117	2	coefficients	coefficient	NOUN
fsr-3293	117	3	on	on	ADP
fsr-3293	117	4	rle	rle	NOUN
fsr-3293	117	5	and	and	CCONJ
fsr-3293	117	6	rwle	rwle	NOUN
fsr-3293	117	7	are	be	AUX
fsr-3293	117	8	the	the	DET
fsr-3293	117	9	key	key	ADJ
fsr-3293	117	10	parameters	parameter	NOUN
fsr-3293	117	11	of	of	ADP
fsr-3293	117	12	interest	interest	NOUN
fsr-3293	117	13	.	.	PUNCT
fsr-3293	118	1	after	after	ADP
fsr-3293	118	2	running	run	VERB
fsr-3293	118	3	each	each	PRON
fsr-3293	118	4	of	of	ADP
fsr-3293	118	5	the	the	DET
fsr-3293	118	6	models	model	NOUN
fsr-3293	118	7	on	on	ADP
fsr-3293	118	8	the	the	DET
fsr-3293	118	9	full	full	ADJ
fsr-3293	118	10	sample	sample	NOUN
fsr-3293	118	11	of	of	ADP
fsr-3293	118	12	full	full	ADJ
fsr-3293	118	13	-	-	PUNCT
fsr-3293	118	14	time	time	NOUN
fsr-3293	118	15	workers	worker	NOUN
fsr-3293	118	16	who	who	PRON
fsr-3293	118	17	expect	expect	VERB
fsr-3293	118	18	to	to	PART
fsr-3293	118	19	retire	retire	VERB
fsr-3293	118	20	and	and	CCONJ
fsr-3293	118	21	have	have	VERB
fsr-3293	118	22	a	a	DET
fsr-3293	118	23	rle	rle	NOUN
fsr-3293	118	24	greater	great	ADJ
fsr-3293	118	25	than	than	ADP
fsr-3293	118	26	zero	zero	NUM
fsr-3293	118	27	(	(	PUNCT
fsr-3293	118	28	n	n	X
fsr-3293	118	29	�	�	PROPN
fsr-3293	118	30	2,632	2,632	NUM
fsr-3293	118	31	)	)	PUNCT
fsr-3293	118	32	,	,	PUNCT
fsr-3293	118	33	each	each	DET
fsr-3293	118	34	model	model	NOUN
fsr-3293	118	35	is	be	AUX
fsr-3293	118	36	also	also	ADV
fsr-3293	118	37	run	run	VERB
fsr-3293	118	38	to	to	PART
fsr-3293	118	39	compare	compare	VERB
fsr-3293	118	40	those	those	PRON
fsr-3293	118	41	with	with	ADP
fsr-3293	118	42	a	a	DET
fsr-3293	118	43	rwle	rwle	NOUN
fsr-3293	118	44	of	of	ADP
fsr-3293	118	45	less	less	ADJ
fsr-3293	118	46	than	than	ADP
fsr-3293	118	47	or	or	CCONJ
fsr-3293	118	48	equal	equal	ADJ
fsr-3293	118	49	to	to	ADP
fsr-3293	118	50	10	10	NUM
fsr-3293	118	51	years	year	NOUN
fsr-3293	118	52	(	(	PUNCT
fsr-3293	118	53	n	n	X
fsr-3293	118	54	�	�	PROPN
fsr-3293	118	55	617	617	NUM
fsr-3293	118	56	)	)	PUNCT
fsr-3293	118	57	with	with	ADP
fsr-3293	118	58	those	those	PRON
fsr-3293	118	59	who	who	PRON
fsr-3293	118	60	have	have	VERB
fsr-3293	118	61	a	a	DET
fsr-3293	118	62	rwle	rwle	ADV
fsr-3293	118	63	greater	great	ADJ
fsr-3293	118	64	than	than	ADP
fsr-3293	118	65	10	10	NUM
fsr-3293	118	66	years	year	NOUN
fsr-3293	118	67	(	(	PUNCT
fsr-3293	118	68	n	n	X
fsr-3293	118	69	�	�	PROPN
fsr-3293	118	70	1,212	1,212	NUM
fsr-3293	118	71	)	)	PUNCT
fsr-3293	118	72	.	.	PUNCT
fsr-3293	119	1	the	the	DET
fsr-3293	119	2	secondary	secondary	ADJ
fsr-3293	119	3	analysis	analysis	NOUN
fsr-3293	119	4	helps	help	VERB
fsr-3293	119	5	examine	examine	VERB
fsr-3293	119	6	whether	whether	SCONJ
fsr-3293	119	7	there	there	PRON
fsr-3293	119	8	were	be	VERB
fsr-3293	119	9	differences	difference	NOUN
fsr-3293	119	10	between	between	ADP
fsr-3293	119	11	the	the	DET
fsr-3293	119	12	two	two	NUM
fsr-3293	119	13	groups	group	NOUN
fsr-3293	119	14	based	base	VERB
fsr-3293	119	15	on	on	ADP
fsr-3293	119	16	the	the	DET
fsr-3293	119	17	saliency	saliency	NOUN
fsr-3293	119	18	of	of	ADP
fsr-3293	119	19	retirement	retirement	NOUN
fsr-3293	119	20	,	,	PUNCT
fsr-3293	119	21	as	as	SCONJ
fsr-3293	119	22	suggested	suggest	VERB
fsr-3293	119	23	by	by	ADP
fsr-3293	119	24	the	the	DET
fsr-3293	119	25	behavioral	behavioral	ADJ
fsr-3293	119	26	life	life	NOUN
fsr-3293	119	27	cycle	cycle	NOUN
fsr-3293	119	28	model	model	NOUN
fsr-3293	119	29	,	,	PUNCT
fsr-3293	119	30	and	and	CCONJ
fsr-3293	119	31	is	be	AUX
fsr-3293	119	32	limited	limit	VERB
fsr-3293	119	33	to	to	ADP
fsr-3293	119	34	those	those	PRON
fsr-3293	119	35	between	between	ADP
fsr-3293	119	36	the	the	DET
fsr-3293	119	37	ages	age	NOUN
fsr-3293	119	38	of	of	ADP
fsr-3293	119	39	35	35	NUM
fsr-3293	119	40	and	and	CCONJ
fsr-3293	119	41	62	62	NUM
fsr-3293	119	42	.	.	PUNCT
fsr-3293	120	1	other	other	ADJ
fsr-3293	120	2	recent	recent	ADJ
fsr-3293	120	3	studies	study	NOUN
fsr-3293	120	4	have	have	AUX
fsr-3293	120	5	used	use	VERB
fsr-3293	120	6	35	35	NUM
fsr-3293	120	7	to	to	PART
fsr-3293	120	8	60	60	NUM
fsr-3293	120	9	(	(	PUNCT
fsr-3293	120	10	kim	kim	PROPN
fsr-3293	120	11	&	&	CCONJ
fsr-3293	120	12	hanna	hanna	PROPN
fsr-3293	120	13	,	,	PUNCT
fsr-3293	120	14	2015a	2015a	NUM
fsr-3293	120	15	)	)	PUNCT
fsr-3293	120	16	and	and	CCONJ
fsr-3293	120	17	35	35	NUM
fsr-3293	120	18	to	to	ADP
fsr-3293	120	19	70	70	NUM
fsr-3293	120	20	(	(	PUNCT
fsr-3293	120	21	kim	kim	PROPN
fsr-3293	120	22	,	,	PUNCT
fsr-3293	120	23	hanna	hanna	PROPN
fsr-3293	120	24	,	,	PUNCT
fsr-3293	120	25	&	&	CCONJ
fsr-3293	120	26	chen	chen	PROPN
fsr-3293	120	27	,	,	PUNCT
fsr-3293	120	28	2014	2014	NUM
fsr-3293	120	29	)	)	PUNCT
fsr-3293	120	30	,	,	PUNCT
fsr-3293	120	31	stating	state	VERB
fsr-3293	120	32	that	that	SCONJ
fsr-3293	120	33	those	those	PRON
fsr-3293	120	34	under	under	ADP
fsr-3293	120	35	the	the	DET
fsr-3293	120	36	age	age	NOUN
fsr-3293	120	37	of	of	ADP
fsr-3293	120	38	35	35	NUM
fsr-3293	120	39	are	be	AUX
fsr-3293	120	40	likely	likely	ADJ
fsr-3293	120	41	to	to	PART
fsr-3293	120	42	have	have	VERB
fsr-3293	120	43	significant	significant	ADJ
fsr-3293	120	44	changes	change	NOUN
fsr-3293	120	45	in	in	ADP
fsr-3293	120	46	jobs	job	NOUN
fsr-3293	120	47	and/or	and/or	CCONJ
fsr-3293	120	48	marital	marital	ADJ
fsr-3293	120	49	status	status	NOUN
fsr-3293	120	50	,	,	PUNCT
fsr-3293	120	51	which	which	PRON
fsr-3293	120	52	reduces	reduce	VERB
fsr-3293	120	53	the	the	DET
fsr-3293	120	54	quality	quality	NOUN
fsr-3293	120	55	of	of	ADP
fsr-3293	120	56	the	the	DET
fsr-3293	120	57	expected	expect	VERB
fsr-3293	120	58	retirement	retirement	NOUN
fsr-3293	120	59	measure	measure	NOUN
fsr-3293	120	60	.	.	PUNCT
fsr-3293	121	1	given	give	VERB
fsr-3293	121	2	that	that	SCONJ
fsr-3293	121	3	many	many	ADJ
fsr-3293	121	4	respondents	respondent	NOUN
fsr-3293	121	5	expect	expect	VERB
fsr-3293	121	6	to	to	PART
fsr-3293	121	7	retire	retire	VERB
fsr-3293	121	8	in	in	ADP
fsr-3293	121	9	their	their	PRON
fsr-3293	121	10	mid-60s	mid-60	NOUN
fsr-3293	121	11	(	(	PUNCT
fsr-3293	121	12	about	about	ADV
fsr-3293	121	13	30	30	NUM
fsr-3293	121	14	%	%	NOUN
fsr-3293	121	15	expect	expect	VERB
fsr-3293	121	16	to	to	PART
fsr-3293	121	17	retire	retire	VERB
fsr-3293	121	18	at	at	ADP
fsr-3293	121	19	age	age	NOUN
fsr-3293	121	20	65	65	NUM
fsr-3293	121	21	and	and	CCONJ
fsr-3293	121	22	about	about	ADV
fsr-3293	121	23	56	56	NUM
fsr-3293	121	24	%	%	NOUN
fsr-3293	121	25	expect	expect	VERB
fsr-3293	121	26	to	to	PART
fsr-3293	121	27	retire	retire	VERB
fsr-3293	121	28	between	between	ADP
fsr-3293	121	29	the	the	DET
fsr-3293	121	30	ages	age	NOUN
fsr-3293	121	31	of	of	ADP
fsr-3293	121	32	63	63	NUM
fsr-3293	121	33	and	and	CCONJ
fsr-3293	121	34	70	70	NUM
fsr-3293	121	35	)	)	PUNCT
fsr-3293	121	36	,	,	PUNCT
fsr-3293	121	37	age	age	NOUN
fsr-3293	121	38	62	62	NUM
fsr-3293	121	39	is	be	AUX
fsr-3293	121	40	used	use	VERB
fsr-3293	121	41	as	as	ADP
fsr-3293	121	42	the	the	DET
fsr-3293	121	43	cutoff	cutoff	NOUN
fsr-3293	121	44	age	age	NOUN
fsr-3293	121	45	for	for	ADP
fsr-3293	121	46	the	the	DET
fsr-3293	121	47	secondary	secondary	ADJ
fsr-3293	121	48	analysis	analysis	NOUN
fsr-3293	121	49	.	.	PUNCT
fsr-3293	122	1	3	3	X
fsr-3293	122	2	.	.	NOUN
fsr-3293	122	3	results	result	NOUN
fsr-3293	122	4	3.1	3.1	NUM
fsr-3293	122	5	.	.	PUNCT
fsr-3293	122	6	descriptive	descriptive	ADJ
fsr-3293	122	7	results	result	NOUN
fsr-3293	122	8	most	most	ADJ
fsr-3293	122	9	respondents	respondent	NOUN
fsr-3293	122	10	are	be	AUX
fsr-3293	122	11	in	in	ADP
fsr-3293	122	12	a	a	DET
fsr-3293	122	13	relationship—53	relationship—53	NOUN
fsr-3293	122	14	%	%	NOUN
fsr-3293	122	15	are	be	AUX
fsr-3293	122	16	married	married	ADJ
fsr-3293	122	17	and	and	CCONJ
fsr-3293	122	18	11	11	NUM
fsr-3293	122	19	%	%	NOUN
fsr-3293	122	20	have	have	VERB
fsr-3293	122	21	a	a	DET
fsr-3293	122	22	partner	partner	NOUN
fsr-3293	122	23	.	.	PUNCT
fsr-3293	123	1	most	most	ADJ
fsr-3293	123	2	of	of	ADP
fsr-3293	123	3	the	the	DET
fsr-3293	123	4	respondents	respondent	NOUN
fsr-3293	123	5	are	be	AUX
fsr-3293	123	6	white	white	ADJ
fsr-3293	123	7	(	(	PUNCT
fsr-3293	123	8	70	70	NUM
fsr-3293	123	9	%	%	NOUN
fsr-3293	123	10	)	)	PUNCT
fsr-3293	123	11	and	and	CCONJ
fsr-3293	123	12	48	48	NUM
fsr-3293	123	13	%	%	NOUN
fsr-3293	123	14	have	have	AUX
fsr-3293	123	15	completed	complete	VERB
fsr-3293	123	16	a	a	DET
fsr-3293	123	17	college	college	NOUN
fsr-3293	123	18	degree	degree	NOUN
fsr-3293	123	19	.	.	PUNCT
fsr-3293	124	1	fifty	fifty	NUM
fsr-3293	124	2	-	-	PUNCT
fsr-3293	124	3	nine	nine	NUM
fsr-3293	124	4	percent	percent	NOUN
fsr-3293	124	5	of	of	ADP
fsr-3293	124	6	the	the	DET
fsr-3293	124	7	respondents	respondent	NOUN
fsr-3293	124	8	have	have	VERB
fsr-3293	124	9	a	a	DET
fsr-3293	124	10	retirement	retirement	NOUN
fsr-3293	124	11	plan	plan	NOUN
fsr-3293	124	12	at	at	ADP
fsr-3293	124	13	their	their	PRON
fsr-3293	124	14	workplace	workplace	NOUN
fsr-3293	124	15	.	.	PUNCT
fsr-3293	125	1	most	most	ADJ
fsr-3293	125	2	respondents	respondent	NOUN
fsr-3293	125	3	(	(	PUNCT
fsr-3293	125	4	72	72	NUM
fsr-3293	125	5	%	%	NOUN
fsr-3293	125	6	)	)	PUNCT
fsr-3293	125	7	have	have	VERB
fsr-3293	125	8	access	access	NOUN
fsr-3293	125	9	to	to	ADP
fsr-3293	125	10	at	at	ADV
fsr-3293	125	11	least	least	ADV
fsr-3293	125	12	$	$	SYM
fsr-3293	125	13	3,000	3,000	NUM
fsr-3293	125	14	in	in	ADP
fsr-3293	125	15	case	case	NOUN
fsr-3293	125	16	of	of	ADP
fsr-3293	125	17	an	an	DET
fsr-3293	125	18	emergency	emergency	NOUN
fsr-3293	125	19	through	through	ADP
fsr-3293	125	20	a	a	DET
fsr-3293	125	21	family	family	NOUN
fsr-3293	125	22	member	member	NOUN
fsr-3293	125	23	or	or	CCONJ
fsr-3293	125	24	friend	friend	NOUN
fsr-3293	125	25	.	.	PUNCT
fsr-3293	126	1	half	half	NOUN
fsr-3293	126	2	of	of	ADP
fsr-3293	126	3	the	the	DET
fsr-3293	126	4	respondents	respondent	NOUN
fsr-3293	126	5	(	(	PUNCT
fsr-3293	126	6	50	50	NUM
fsr-3293	126	7	%	%	NOUN
fsr-3293	126	8	)	)	PUNCT
fsr-3293	126	9	plan	plan	NOUN
fsr-3293	126	10	for	for	ADP
fsr-3293	126	11	the	the	DET
fsr-3293	126	12	intermediate	intermediate	ADJ
fsr-3293	126	13	-	-	PUNCT
fsr-3293	126	14	term	term	NOUN
fsr-3293	126	15	(	(	PUNCT
fsr-3293	126	16	2–9	2–9	NUM
fsr-3293	126	17	years	year	NOUN
fsr-3293	126	18	)	)	PUNCT
fsr-3293	126	19	while	while	SCONJ
fsr-3293	126	20	many	many	ADJ
fsr-3293	126	21	(	(	PUNCT
fsr-3293	126	22	35	35	NUM
fsr-3293	126	23	%	%	NOUN
fsr-3293	126	24	)	)	PUNCT
fsr-3293	126	25	plan	plan	NOUN
fsr-3293	126	26	for	for	ADP
fsr-3293	126	27	the	the	DET
fsr-3293	126	28	short	short	ADJ
fsr-3293	126	29	-	-	PUNCT
fsr-3293	126	30	term	term	NOUN
fsr-3293	126	31	(	(	PUNCT
fsr-3293	126	32	within	within	ADP
fsr-3293	126	33	a	a	DET
fsr-3293	126	34	year	year	NOUN
fsr-3293	126	35	)	)	PUNCT
fsr-3293	126	36	.	.	PUNCT
fsr-3293	127	1	approximately	approximately	ADV
fsr-3293	127	2	half	half	NOUN
fsr-3293	127	3	of	of	ADP
fsr-3293	127	4	the	the	DET
fsr-3293	127	5	respondents	respondent	NOUN
fsr-3293	127	6	have	have	VERB
fsr-3293	127	7	children	child	NOUN
fsr-3293	127	8	under	under	ADP
fsr-3293	127	9	the	the	DET
fsr-3293	127	10	age	age	NOUN
fsr-3293	127	11	of	of	ADP
fsr-3293	127	12	18	18	NUM
fsr-3293	127	13	(	(	PUNCT
fsr-3293	127	14	51	51	NUM
fsr-3293	127	15	%	%	NOUN
fsr-3293	127	16	)	)	PUNCT
fsr-3293	127	17	.	.	PUNCT
fsr-3293	128	1	almost	almost	ADV
fsr-3293	128	2	all	all	PRON
fsr-3293	128	3	of	of	ADP
fsr-3293	128	4	the	the	DET
fsr-3293	128	5	respondents	respondent	NOUN
fsr-3293	128	6	are	be	AUX
fsr-3293	128	7	in	in	ADP
fsr-3293	128	8	good	good	ADJ
fsr-3293	128	9	health	health	NOUN
fsr-3293	128	10	(	(	PUNCT
fsr-3293	128	11	85	85	NUM
fsr-3293	128	12	%	%	NOUN
fsr-3293	128	13	)	)	PUNCT
fsr-3293	128	14	.	.	PUNCT
fsr-3293	129	1	nearly	nearly	ADV
fsr-3293	129	2	48	48	NUM
fsr-3293	129	3	%	%	NOUN
fsr-3293	129	4	of	of	ADP
fsr-3293	129	5	the	the	DET
fsr-3293	129	6	respondents	respondent	NOUN
fsr-3293	129	7	have	have	VERB
fsr-3293	129	8	an	an	DET
fsr-3293	129	9	excellent	excellent	ADJ
fsr-3293	129	10	understanding	understanding	NOUN
fsr-3293	129	11	of	of	ADP
fsr-3293	129	12	the	the	DET
fsr-3293	129	13	scf	scf	PROPN
fsr-3293	129	14	questions	question	NOUN
fsr-3293	129	15	while	while	SCONJ
fsr-3293	129	16	45	45	NUM
fsr-3293	129	17	%	%	NOUN
fsr-3293	129	18	have	have	VERB
fsr-3293	129	19	a	a	DET
fsr-3293	129	20	good	good	ADJ
fsr-3293	129	21	understanding	understanding	NOUN
fsr-3293	129	22	and	and	CCONJ
fsr-3293	129	23	approximately	approximately	ADV
fsr-3293	129	24	6	6	NUM
fsr-3293	129	25	%	%	NOUN
fsr-3293	129	26	have	have	VERB
fsr-3293	129	27	a	a	DET
fsr-3293	129	28	poor	poor	ADJ
fsr-3293	129	29	or	or	CCONJ
fsr-3293	129	30	fair	fair	ADJ
fsr-3293	129	31	understanding	understanding	NOUN
fsr-3293	129	32	of	of	ADP
fsr-3293	129	33	the	the	DET
fsr-3293	129	34	scf	scf	PROPN
fsr-3293	129	35	questions	question	NOUN
fsr-3293	129	36	.	.	PUNCT
fsr-3293	130	1	a	a	DET
fsr-3293	130	2	majority	majority	NOUN
fsr-3293	130	3	of	of	ADP
fsr-3293	130	4	respondents	respondent	NOUN
fsr-3293	130	5	spend	spend	VERB
fsr-3293	130	6	less	less	ADJ
fsr-3293	130	7	than	than	SCONJ
fsr-3293	130	8	they	they	PRON
fsr-3293	130	9	make	make	VERB
fsr-3293	130	10	(	(	PUNCT
fsr-3293	130	11	63	63	NUM
fsr-3293	130	12	%	%	NOUN
fsr-3293	130	13	)	)	PUNCT
fsr-3293	130	14	,	,	PUNCT
fsr-3293	130	15	while	while	SCONJ
fsr-3293	130	16	nearly	nearly	ADV
fsr-3293	130	17	11	11	NUM
fsr-3293	130	18	%	%	NOUN
fsr-3293	130	19	say	say	VERB
fsr-3293	130	20	that	that	SCONJ
fsr-3293	130	21	they	they	PRON
fsr-3293	130	22	spend	spend	VERB
fsr-3293	130	23	more	more	ADJ
fsr-3293	130	24	than	than	SCONJ
fsr-3293	130	25	they	they	PRON
fsr-3293	130	26	earned	earn	VERB
fsr-3293	130	27	over	over	ADP
fsr-3293	130	28	the	the	DET
fsr-3293	130	29	last	last	ADJ
fsr-3293	130	30	year	year	NOUN
fsr-3293	130	31	.	.	PUNCT
fsr-3293	131	1	respondents	respondent	NOUN
fsr-3293	131	2	report	report	VERB
fsr-3293	131	3	a	a	DET
fsr-3293	131	4	median	median	ADJ
fsr-3293	131	5	income	income	NOUN
fsr-3293	131	6	of	of	ADP
fsr-3293	131	7	$	$	SYM
fsr-3293	131	8	68,988	68,988	NUM
fsr-3293	131	9	with	with	ADP
fsr-3293	131	10	a	a	DET
fsr-3293	131	11	median	median	ADJ
fsr-3293	131	12	net	net	ADJ
fsr-3293	131	13	worth	worth	NOUN
fsr-3293	131	14	of	of	ADP
fsr-3293	131	15	$	$	SYM
fsr-3293	131	16	103,980	103,980	NUM
fsr-3293	131	17	,	,	PUNCT
fsr-3293	131	18	median	median	ADJ
fsr-3293	131	19	financial	financial	ADJ
fsr-3293	131	20	assets	asset	NOUN
fsr-3293	131	21	totaling	total	VERB
fsr-3293	131	22	approximately	approximately	ADV
fsr-3293	131	23	$	$	SYM
fsr-3293	131	24	225,000	225,000	NUM
fsr-3293	131	25	,	,	PUNCT
fsr-3293	131	26	and	and	CCONJ
fsr-3293	131	27	a	a	DET
fsr-3293	131	28	majority	majority	NOUN
fsr-3293	131	29	(	(	PUNCT
fsr-3293	131	30	69	69	NUM
fsr-3293	131	31	%	%	NOUN
fsr-3293	131	32	)	)	PUNCT
fsr-3293	131	33	owned	own	VERB
fsr-3293	131	34	a	a	DET
fsr-3293	131	35	home	home	NOUN
fsr-3293	131	36	.	.	PUNCT
fsr-3293	132	1	approximately	approximately	ADV
fsr-3293	132	2	36	36	NUM
fsr-3293	132	3	%	%	NOUN
fsr-3293	132	4	plan	plan	NOUN
fsr-3293	132	5	to	to	PART
fsr-3293	132	6	give	give	VERB
fsr-3293	132	7	a	a	DET
fsr-3293	132	8	bequest	bequest	NOUN
fsr-3293	132	9	while	while	SCONJ
fsr-3293	132	10	17	17	NUM
fsr-3293	132	11	%	%	NOUN
fsr-3293	132	12	are	be	AUX
fsr-3293	132	13	planning	plan	VERB
fsr-3293	132	14	on	on	ADP
fsr-3293	132	15	receiving	receive	VERB
fsr-3293	132	16	an	an	DET
fsr-3293	132	17	inheritance	inheritance	NOUN
fsr-3293	132	18	.	.	PUNCT
fsr-3293	133	1	most	most	ADJ
fsr-3293	133	2	continue	continue	VERB
fsr-3293	133	3	to	to	PART
fsr-3293	133	4	carry	carry	VERB
fsr-3293	133	5	some	some	DET
fsr-3293	133	6	level	level	NOUN
fsr-3293	133	7	of	of	ADP
fsr-3293	133	8	debt	debt	NOUN
fsr-3293	133	9	(	(	PUNCT
fsr-3293	133	10	86	86	NUM
fsr-3293	133	11	%	%	NOUN
fsr-3293	133	12	)	)	PUNCT
fsr-3293	133	13	with	with	ADP
fsr-3293	133	14	a	a	DET
fsr-3293	133	15	median	median	ADJ
fsr-3293	133	16	debt	debt	NOUN
fsr-3293	133	17	level	level	NOUN
fsr-3293	133	18	of	of	ADP
fsr-3293	133	19	$	$	SYM
fsr-3293	133	20	65,600	65,600	NUM
fsr-3293	133	21	.	.	PUNCT
fsr-3293	134	1	nearly	nearly	ADV
fsr-3293	134	2	47	47	NUM
fsr-3293	134	3	%	%	NOUN
fsr-3293	134	4	hold	hold	VERB
fsr-3293	134	5	credit	credit	NOUN
fsr-3293	134	6	card	card	NOUN
fsr-3293	134	7	debt	debt	NOUN
fsr-3293	134	8	with	with	ADP
fsr-3293	134	9	an	an	DET
fsr-3293	134	10	average	average	ADJ
fsr-3293	134	11	balance	balance	NOUN
fsr-3293	134	12	of	of	ADP
fsr-3293	134	13	$	$	SYM
fsr-3293	134	14	2,792	2,792	NUM
fsr-3293	134	15	.	.	PUNCT
fsr-3293	135	1	the	the	DET
fsr-3293	135	2	average	average	ADJ
fsr-3293	135	3	age	age	NOUN
fsr-3293	135	4	of	of	ADP
fsr-3293	135	5	the	the	DET
fsr-3293	135	6	respondent	respondent	NOUN
fsr-3293	135	7	is	be	AUX
fsr-3293	135	8	in	in	ADP
fsr-3293	135	9	the	the	DET
fsr-3293	135	10	mid-40s	mid-40	NOUN
fsr-3293	135	11	(	(	PUNCT
fsr-3293	135	12	m	m	PROPN
fsr-3293	135	13	�	�	PROPN
fsr-3293	135	14	44.45	44.45	NUM
fsr-3293	135	15	,	,	PUNCT
fsr-3293	135	16	sd	sd	ADP
fsr-3293	135	17	�	�	PROPN
fsr-3293	135	18	5.52	5.52	NUM
fsr-3293	135	19	)	)	PUNCT
fsr-3293	135	20	with	with	ADP
fsr-3293	135	21	an	an	DET
fsr-3293	135	22	average	average	ADJ
fsr-3293	135	23	expected	expect	VERB
fsr-3293	135	24	retirement	retirement	NOUN
fsr-3293	135	25	age	age	NOUN
fsr-3293	135	26	of	of	ADP
fsr-3293	135	27	63.56	63.56	NUM
fsr-3293	135	28	(	(	PUNCT
fsr-3293	135	29	sd	sd	ADP
fsr-3293	135	30	�	�	PROPN
fsr-3293	135	31	2.92	2.92	NUM
fsr-3293	135	32	)	)	PUNCT
fsr-3293	135	33	,	,	PUNCT
fsr-3293	135	34	and	and	CCONJ
fsr-3293	135	35	an	an	DET
fsr-3293	135	36	average	average	ADJ
fsr-3293	135	37	subjective	subjective	ADJ
fsr-3293	135	38	life	life	NOUN
fsr-3293	135	39	expectancy	expectancy	NOUN
fsr-3293	135	40	of	of	ADP
fsr-3293	135	41	84.60	84.60	NUM
fsr-3293	135	42	(	(	PUNCT
fsr-3293	135	43	sd	sd	ADP
fsr-3293	135	44	�	�	PROPN
fsr-3293	135	45	4.36	4.36	NUM
fsr-3293	135	46	)	)	PUNCT
fsr-3293	135	47	.	.	PUNCT
fsr-3293	136	1	7d.r	7d.r	NUM
fsr-3293	136	2	.	.	X
fsr-3293	136	3	lawson	lawson	PROPN
fsr-3293	136	4	,	,	PUNCT
fsr-3293	136	5	s.j	s.j	PROPN
fsr-3293	136	6	.	.	PROPN
fsr-3293	136	7	heckman	heckman	PROPN
fsr-3293	136	8	/	/	SYM
fsr-3293	136	9	financial	financial	PROPN
fsr-3293	136	10	services	service	NOUN
fsr-3293	136	11	review	review	VERB
fsr-3293	136	12	26	26	NUM
fsr-3293	136	13	(	(	PUNCT
fsr-3293	136	14	2017	2017	NUM
fsr-3293	136	15	)	)	PUNCT
fsr-3293	136	16	1–18	1–18	NUM
fsr-3293	136	17	fig	fig	NOUN
fsr-3293	136	18	.	.	PUNCT
fsr-3293	137	1	1	1	NUM
fsr-3293	137	2	shows	show	VERB
fsr-3293	137	3	the	the	DET
fsr-3293	137	4	cumulative	cumulative	ADJ
fsr-3293	137	5	distribution	distribution	NOUN
fsr-3293	137	6	of	of	ADP
fsr-3293	137	7	life	life	NOUN
fsr-3293	137	8	expectancy	expectancy	NOUN
fsr-3293	137	9	for	for	ADP
fsr-3293	137	10	the	the	DET
fsr-3293	137	11	full	full	ADJ
fsr-3293	137	12	sample	sample	NOUN
fsr-3293	137	13	,	,	PUNCT
fsr-3293	137	14	and	and	CCONJ
fsr-3293	137	15	for	for	ADP
fsr-3293	137	16	those	those	PRON
fsr-3293	137	17	near	near	ADJ
fsr-3293	137	18	and	and	CCONJ
fsr-3293	137	19	far	far	ADV
fsr-3293	137	20	from	from	ADP
fsr-3293	137	21	retirement	retirement	NOUN
fsr-3293	137	22	.	.	PUNCT
fsr-3293	138	1	the	the	DET
fsr-3293	138	2	range	range	NOUN
fsr-3293	138	3	on	on	ADP
fsr-3293	138	4	life	life	NOUN
fsr-3293	138	5	expectancy	expectancy	NOUN
fsr-3293	138	6	is	be	AUX
fsr-3293	138	7	39	39	NUM
fsr-3293	138	8	years	year	NOUN
fsr-3293	138	9	to	to	ADP
fsr-3293	138	10	150	150	NUM
fsr-3293	138	11	years	year	NOUN
fsr-3293	138	12	with	with	ADP
fsr-3293	138	13	approximately	approximately	ADV
fsr-3293	138	14	95	95	NUM
fsr-3293	138	15	%	%	NOUN
fsr-3293	138	16	of	of	ADP
fsr-3293	138	17	respondents	respondent	NOUN
fsr-3293	138	18	expecting	expect	VERB
fsr-3293	138	19	to	to	PART
fsr-3293	138	20	live	live	VERB
fsr-3293	138	21	somewhere	somewhere	ADV
fsr-3293	138	22	between	between	ADP
fsr-3293	138	23	70	70	NUM
fsr-3293	138	24	and	and	CCONJ
fsr-3293	138	25	100	100	NUM
fsr-3293	138	26	years	year	NOUN
fsr-3293	138	27	old	old	ADJ
fsr-3293	138	28	.	.	PUNCT
fsr-3293	139	1	given	give	VERB
fsr-3293	139	2	the	the	DET
fsr-3293	139	3	purpose	purpose	NOUN
fsr-3293	139	4	of	of	ADP
fsr-3293	139	5	this	this	DET
fsr-3293	139	6	study	study	NOUN
fsr-3293	139	7	,	,	PUNCT
fsr-3293	139	8	even	even	ADV
fsr-3293	139	9	if	if	SCONJ
fsr-3293	139	10	people	people	NOUN
fsr-3293	139	11	have	have	VERB
fsr-3293	139	12	unreasonable	unreasonable	ADJ
fsr-3293	139	13	expectations	expectation	NOUN
fsr-3293	139	14	about	about	ADP
fsr-3293	139	15	their	their	PRON
fsr-3293	139	16	life	life	NOUN
fsr-3293	139	17	expectancy	expectancy	NOUN
fsr-3293	139	18	,	,	PUNCT
fsr-3293	139	19	outliers	outlier	NOUN
fsr-3293	139	20	should	should	AUX
fsr-3293	139	21	not	not	PART
fsr-3293	139	22	affect	affect	VERB
fsr-3293	139	23	our	our	PRON
fsr-3293	139	24	results	result	NOUN
fsr-3293	139	25	because	because	SCONJ
fsr-3293	139	26	we	we	PRON
fsr-3293	139	27	are	be	AUX
fsr-3293	139	28	interested	interested	ADJ
fsr-3293	139	29	in	in	ADP
fsr-3293	139	30	how	how	SCONJ
fsr-3293	139	31	their	their	PRON
fsr-3293	139	32	life	life	NOUN
fsr-3293	139	33	expectancy	expectancy	NOUN
fsr-3293	139	34	perceptions	perception	NOUN
fsr-3293	139	35	influence	influence	VERB
fsr-3293	139	36	consumption	consumption	NOUN
fsr-3293	139	37	decisions	decision	NOUN
fsr-3293	139	38	.	.	PUNCT
fsr-3293	140	1	fig	fig	NOUN
fsr-3293	140	2	.	.	PUNCT
fsr-3293	141	1	2	2	NUM
fsr-3293	141	2	presents	present	VERB
fsr-3293	141	3	the	the	DET
fsr-3293	141	4	cumulative	cumulative	ADJ
fsr-3293	141	5	distribution	distribution	NOUN
fsr-3293	141	6	of	of	ADP
fsr-3293	141	7	expected	expect	VERB
fsr-3293	141	8	retirement	retirement	NOUN
fsr-3293	141	9	age	age	NOUN
fsr-3293	141	10	for	for	ADP
fsr-3293	141	11	the	the	DET
fsr-3293	141	12	full	full	ADJ
fsr-3293	141	13	sample	sample	NOUN
fsr-3293	141	14	,	,	PUNCT
fsr-3293	141	15	and	and	CCONJ
fsr-3293	141	16	for	for	ADP
fsr-3293	141	17	those	those	PRON
fsr-3293	141	18	near	near	ADJ
fsr-3293	141	19	and	and	CCONJ
fsr-3293	141	20	far	far	ADV
fsr-3293	141	21	from	from	ADP
fsr-3293	141	22	retirement	retirement	NOUN
fsr-3293	141	23	.	.	PUNCT
fsr-3293	142	1	the	the	DET
fsr-3293	142	2	range	range	NOUN
fsr-3293	142	3	for	for	ADP
fsr-3293	142	4	expected	expect	VERB
fsr-3293	142	5	retirement	retirement	NOUN
fsr-3293	142	6	age	age	NOUN
fsr-3293	142	7	is	be	AUX
fsr-3293	142	8	24	24	NUM
fsr-3293	142	9	years	year	NOUN
fsr-3293	142	10	to	to	ADP
fsr-3293	142	11	102	102	NUM
fsr-3293	142	12	years	year	NOUN
fsr-3293	142	13	of	of	ADP
fsr-3293	142	14	age	age	NOUN
fsr-3293	142	15	with	with	ADP
fsr-3293	142	16	nearly	nearly	ADV
fsr-3293	142	17	60	60	NUM
fsr-3293	142	18	%	%	NOUN
fsr-3293	142	19	expecting	expect	VERB
fsr-3293	142	20	to	to	PART
fsr-3293	142	21	retire	retire	VERB
fsr-3293	142	22	between	between	ADP
fsr-3293	142	23	age	age	NOUN
fsr-3293	142	24	63	63	NUM
fsr-3293	142	25	and	and	CCONJ
fsr-3293	142	26	75	75	NUM
fsr-3293	142	27	,	,	PUNCT
fsr-3293	142	28	and	and	CCONJ
fsr-3293	142	29	95	95	NUM
fsr-3293	142	30	%	%	NOUN
fsr-3293	142	31	of	of	ADP
fsr-3293	142	32	respondents	respondent	NOUN
fsr-3293	142	33	expect	expect	VERB
fsr-3293	142	34	to	to	PART
fsr-3293	142	35	retire	retire	VERB
fsr-3293	142	36	between	between	ADP
fsr-3293	142	37	ages	age	NOUN
fsr-3293	142	38	49	49	NUM
fsr-3293	142	39	and	and	CCONJ
fsr-3293	142	40	79	79	NUM
fsr-3293	142	41	.	.	PUNCT
fsr-3293	143	1	again	again	ADV
fsr-3293	143	2	,	,	PUNCT
fsr-3293	143	3	it	it	PRON
fsr-3293	143	4	was	be	AUX
fsr-3293	143	5	considered	consider	VERB
fsr-3293	143	6	important	important	ADJ
fsr-3293	143	7	to	to	PART
fsr-3293	143	8	keep	keep	VERB
fsr-3293	143	9	the	the	DET
fsr-3293	143	10	outliers	outlier	NOUN
fsr-3293	143	11	on	on	ADP
fsr-3293	143	12	retirement	retirement	NOUN
fsr-3293	143	13	age	age	NOUN
fsr-3293	143	14	because	because	SCONJ
fsr-3293	143	15	the	the	DET
fsr-3293	143	16	purpose	purpose	NOUN
fsr-3293	143	17	to	to	PART
fsr-3293	143	18	see	see	VERB
fsr-3293	143	19	how	how	SCONJ
fsr-3293	143	20	estimates	estimate	NOUN
fsr-3293	143	21	of	of	ADP
fsr-3293	143	22	life	life	NOUN
fsr-3293	143	23	expectancy	expectancy	NOUN
fsr-3293	143	24	and	and	CCONJ
fsr-3293	143	25	retirement	retirement	NOUN
fsr-3293	143	26	age	age	NOUN
fsr-3293	143	27	influence	influence	NOUN
fsr-3293	143	28	consumption	consumption	NOUN
fsr-3293	143	29	decisions	decision	NOUN
fsr-3293	143	30	during	during	ADP
fsr-3293	143	31	each	each	DET
fsr-3293	143	32	period	period	NOUN
fsr-3293	143	33	.	.	PUNCT
fsr-3293	144	1	finally	finally	ADV
fsr-3293	144	2	,	,	PUNCT
fsr-3293	144	3	mean	mean	VERB
fsr-3293	144	4	remaining	remain	VERB
fsr-3293	144	5	work	work	NOUN
fsr-3293	144	6	life	life	NOUN
fsr-3293	144	7	expectancy	expectancy	NOUN
fsr-3293	144	8	(	(	PUNCT
fsr-3293	144	9	rwle	rwle	VERB
fsr-3293	144	10	)	)	PUNCT
fsr-3293	144	11	is	be	AUX
fsr-3293	144	12	19.11	19.11	NUM
fsr-3293	144	13	(	(	PUNCT
fsr-3293	144	14	sd	sd	ADP
fsr-3293	144	15	�	�	PROPN
fsr-3293	144	16	5.06	5.06	NUM
fsr-3293	144	17	)	)	PUNCT
fsr-3293	144	18	and	and	CCONJ
fsr-3293	144	19	the	the	DET
fsr-3293	144	20	average	average	ADJ
fsr-3293	144	21	retirement	retirement	NOUN
fsr-3293	144	22	life	life	NOUN
fsr-3293	144	23	expectancy	expectancy	NOUN
fsr-3293	144	24	(	(	PUNCT
fsr-3293	144	25	rle	rle	NOUN
fsr-3293	144	26	)	)	PUNCT
fsr-3293	144	27	is	be	AUX
fsr-3293	144	28	21.05	21.05	NUM
fsr-3293	144	29	(	(	PUNCT
fsr-3293	144	30	sd	sd	ADP
fsr-3293	144	31	�	�	PROPN
fsr-3293	144	32	4.96	4.96	NUM
fsr-3293	144	33	)	)	PUNCT
fsr-3293	144	34	.	.	PUNCT
fsr-3293	145	1	in	in	ADP
fsr-3293	145	2	the	the	DET
fsr-3293	145	3	secondary	secondary	ADJ
fsr-3293	145	4	analysis	analysis	NOUN
fsr-3293	145	5	,	,	PUNCT
fsr-3293	145	6	respondents	respondent	NOUN
fsr-3293	145	7	who	who	PRON
fsr-3293	145	8	are	be	AUX
fsr-3293	145	9	within	within	ADP
fsr-3293	145	10	10	10	NUM
fsr-3293	145	11	years	year	NOUN
fsr-3293	145	12	of	of	ADP
fsr-3293	145	13	retirement	retirement	NOUN
fsr-3293	145	14	(	(	PUNCT
fsr-3293	145	15	i.e.	i.e.	X
fsr-3293	145	16	,	,	PUNCT
fsr-3293	145	17	near	near	ADP
fsr-3293	145	18	retirement	retirement	NOUN
fsr-3293	145	19	)	)	PUNCT
fsr-3293	145	20	have	have	VERB
fsr-3293	145	21	an	an	DET
fsr-3293	145	22	average	average	ADJ
fsr-3293	145	23	age	age	NOUN
fsr-3293	145	24	of	of	ADP
fsr-3293	145	25	55.44	55.44	NUM
fsr-3293	145	26	(	(	PUNCT
fsr-3293	145	27	sd	sd	ADP
fsr-3293	145	28	�	�	PROPN
fsr-3293	145	29	2.20	2.20	NUM
fsr-3293	145	30	)	)	PUNCT
fsr-3293	145	31	with	with	ADP
fsr-3293	145	32	an	an	DET
fsr-3293	145	33	expected	expect	VERB
fsr-3293	145	34	retirement	retirement	NOUN
fsr-3293	145	35	age	age	NOUN
fsr-3293	145	36	of	of	ADP
fsr-3293	145	37	61.91	61.91	NUM
fsr-3293	145	38	years	year	NOUN
fsr-3293	145	39	(	(	PUNCT
fsr-3293	145	40	sd	sd	ADP
fsr-3293	145	41	�	�	PROPN
fsr-3293	145	42	2.17	2.17	NUM
fsr-3293	145	43	)	)	PUNCT
fsr-3293	145	44	,	,	PUNCT
fsr-3293	145	45	whereas	whereas	SCONJ
fsr-3293	145	46	those	those	PRON
fsr-3293	145	47	who	who	PRON
fsr-3293	145	48	are	be	AUX
fsr-3293	145	49	further	far	ADV
fsr-3293	145	50	from	from	ADP
fsr-3293	145	51	retirement	retirement	NOUN
fsr-3293	145	52	(	(	PUNCT
fsr-3293	145	53	11	11	NUM
fsr-3293	145	54	or	or	CCONJ
fsr-3293	145	55	more	more	ADJ
fsr-3293	145	56	years	year	NOUN
fsr-3293	145	57	away	away	ADV
fsr-3293	145	58	)	)	PUNCT
fsr-3293	145	59	have	have	VERB
fsr-3293	145	60	an	an	DET
fsr-3293	145	61	average	average	ADJ
fsr-3293	145	62	age	age	NOUN
fsr-3293	145	63	of	of	ADP
fsr-3293	145	64	45	45	NUM
fsr-3293	145	65	years	year	NOUN
fsr-3293	145	66	(	(	PUNCT
fsr-3293	145	67	sd	sd	ADP
fsr-3293	145	68	�	�	PROPN
fsr-3293	145	69	2.65	2.65	NUM
fsr-3293	145	70	)	)	PUNCT
fsr-3293	145	71	and	and	CCONJ
fsr-3293	145	72	expect	expect	VERB
fsr-3293	145	73	to	to	PART
fsr-3293	145	74	retire	retire	VERB
fsr-3293	145	75	just	just	ADV
fsr-3293	145	76	before	before	ADP
fsr-3293	145	77	age	age	NOUN
fsr-3293	145	78	65	65	NUM
fsr-3293	145	79	(	(	PUNCT
fsr-3293	145	80	m	m	PROPN
fsr-3293	145	81	�	�	PROPN
fsr-3293	145	82	64.88	64.88	NUM
fsr-3293	145	83	,	,	PUNCT
fsr-3293	145	84	sd	sd	ADP
fsr-3293	145	85	�	�	PROPN
fsr-3293	145	86	2.16	2.16	NUM
fsr-3293	145	87	)	)	PUNCT
fsr-3293	145	88	.	.	PUNCT
fsr-3293	146	1	those	those	PRON
fsr-3293	146	2	who	who	PRON
fsr-3293	146	3	are	be	AUX
fsr-3293	146	4	closer	close	ADJ
fsr-3293	146	5	to	to	ADP
fsr-3293	146	6	retirement	retirement	NOUN
fsr-3293	146	7	expect	expect	VERB
fsr-3293	146	8	to	to	PART
fsr-3293	146	9	live	live	VERB
fsr-3293	146	10	a	a	DET
fsr-3293	146	11	little	little	ADJ
fsr-3293	146	12	longer	long	ADJ
fsr-3293	146	13	(	(	PUNCT
fsr-3293	146	14	m	m	VERB
fsr-3293	146	15	�	�	PROPN
fsr-3293	146	16	84.10	84.10	NUM
fsr-3293	146	17	,	,	PUNCT
fsr-3293	146	18	sd	sd	ADP
fsr-3293	146	19	�	�	PROPN
fsr-3293	146	20	4.17	4.17	NUM
fsr-3293	146	21	)	)	PUNCT
fsr-3293	146	22	than	than	ADP
fsr-3293	146	23	those	those	PRON
fsr-3293	146	24	who	who	PRON
fsr-3293	146	25	are	be	AUX
fsr-3293	146	26	further	far	ADV
fsr-3293	146	27	from	from	ADP
fsr-3293	146	28	retirement	retirement	NOUN
fsr-3293	146	29	(	(	PUNCT
fsr-3293	146	30	m	m	PROPN
fsr-3293	146	31	�	�	PROPN
fsr-3293	146	32	83.72	83.72	NUM
fsr-3293	146	33	,	,	PUNCT
fsr-3293	146	34	sd	sd	ADP
fsr-3293	146	35	�	�	PROPN
fsr-3293	146	36	4.08	4.08	NUM
fsr-3293	146	37	)	)	PUNCT
fsr-3293	146	38	.	.	PUNCT
fsr-3293	147	1	fig	fig	NOUN
fsr-3293	147	2	.	.	PUNCT
fsr-3293	148	1	1	1	X
fsr-3293	148	2	.	.	X
fsr-3293	148	3	cumulative	cumulative	ADJ
fsr-3293	148	4	distribution	distribution	NOUN
fsr-3293	148	5	of	of	ADP
fsr-3293	148	6	subjective	subjective	ADJ
fsr-3293	148	7	life	life	NOUN
fsr-3293	148	8	expectancy	expectancy	NOUN
fsr-3293	148	9	for	for	ADP
fsr-3293	148	10	the	the	DET
fsr-3293	148	11	full	full	ADJ
fsr-3293	148	12	sample	sample	NOUN
fsr-3293	148	13	(	(	PUNCT
fsr-3293	148	14	n	n	X
fsr-3293	148	15	�	�	PROPN
fsr-3293	148	16	2,632	2,632	NUM
fsr-3293	148	17	)	)	PUNCT
fsr-3293	148	18	,	,	PUNCT
fsr-3293	148	19	for	for	ADP
fsr-3293	148	20	those	those	PRON
fsr-3293	148	21	near	near	ADP
fsr-3293	148	22	retirement	retirement	NOUN
fsr-3293	148	23	(	(	PUNCT
fsr-3293	148	24	n	n	X
fsr-3293	148	25	�	�	PROPN
fsr-3293	148	26	617	617	NUM
fsr-3293	148	27	)	)	PUNCT
fsr-3293	148	28	,	,	PUNCT
fsr-3293	148	29	and	and	CCONJ
fsr-3293	148	30	for	for	ADP
fsr-3293	148	31	those	those	PRON
fsr-3293	148	32	further	far	ADV
fsr-3293	148	33	from	from	ADP
fsr-3293	148	34	retirement	retirement	NOUN
fsr-3293	148	35	(	(	PUNCT
fsr-3293	148	36	n	n	X
fsr-3293	148	37	�	�	PROPN
fsr-3293	148	38	1,212	1,212	NUM
fsr-3293	148	39	)	)	PUNCT
fsr-3293	148	40	.	.	PUNCT
fsr-3293	149	1	fig	fig	NOUN
fsr-3293	149	2	.	.	PUNCT
fsr-3293	150	1	2	2	X
fsr-3293	150	2	.	.	NOUN
fsr-3293	150	3	cumulative	cumulative	ADJ
fsr-3293	150	4	distribution	distribution	NOUN
fsr-3293	150	5	of	of	ADP
fsr-3293	150	6	expected	expect	VERB
fsr-3293	150	7	retirement	retirement	NOUN
fsr-3293	150	8	age	age	NOUN
fsr-3293	150	9	for	for	ADP
fsr-3293	150	10	the	the	DET
fsr-3293	150	11	full	full	ADJ
fsr-3293	150	12	sample	sample	NOUN
fsr-3293	150	13	(	(	PUNCT
fsr-3293	150	14	n	n	X
fsr-3293	150	15	�	�	PROPN
fsr-3293	150	16	2,632	2,632	NUM
fsr-3293	150	17	)	)	PUNCT
fsr-3293	150	18	,	,	PUNCT
fsr-3293	150	19	for	for	ADP
fsr-3293	150	20	those	those	PRON
fsr-3293	150	21	near	near	ADP
fsr-3293	150	22	retirement	retirement	NOUN
fsr-3293	150	23	(	(	PUNCT
fsr-3293	150	24	n	n	X
fsr-3293	150	25	�	�	PROPN
fsr-3293	150	26	617	617	NUM
fsr-3293	150	27	)	)	PUNCT
fsr-3293	150	28	,	,	PUNCT
fsr-3293	150	29	and	and	CCONJ
fsr-3293	150	30	for	for	ADP
fsr-3293	150	31	those	those	PRON
fsr-3293	150	32	further	far	ADV
fsr-3293	150	33	from	from	ADP
fsr-3293	150	34	retirement	retirement	NOUN
fsr-3293	150	35	(	(	PUNCT
fsr-3293	150	36	n	n	X
fsr-3293	150	37	�	�	PROPN
fsr-3293	150	38	1,212	1,212	NUM
fsr-3293	150	39	)	)	PUNCT
fsr-3293	150	40	.	.	PUNCT
fsr-3293	151	1	8	8	NUM
fsr-3293	151	2	d.r	d.r	PROPN
fsr-3293	151	3	.	.	PROPN
fsr-3293	151	4	lawson	lawson	PROPN
fsr-3293	151	5	,	,	PUNCT
fsr-3293	151	6	s.j	s.j	PROPN
fsr-3293	151	7	.	.	PROPN
fsr-3293	151	8	heckman	heckman	PROPN
fsr-3293	151	9	/	/	SYM
fsr-3293	151	10	financial	financial	PROPN
fsr-3293	151	11	services	service	NOUN
fsr-3293	151	12	review	review	VERB
fsr-3293	151	13	26	26	NUM
fsr-3293	151	14	(	(	PUNCT
fsr-3293	151	15	2017	2017	NUM
fsr-3293	151	16	)	)	PUNCT
fsr-3293	151	17	1–18	1–18	NUM
fsr-3293	151	18	respondents	respondent	NOUN
fsr-3293	151	19	expecting	expect	VERB
fsr-3293	151	20	to	to	PART
fsr-3293	151	21	retire	retire	VERB
fsr-3293	151	22	in	in	ADP
fsr-3293	151	23	the	the	DET
fsr-3293	151	24	next	next	ADJ
fsr-3293	151	25	10	10	NUM
fsr-3293	151	26	years	year	NOUN
fsr-3293	151	27	expect	expect	VERB
fsr-3293	151	28	to	to	PART
fsr-3293	151	29	have	have	VERB
fsr-3293	151	30	a	a	DET
fsr-3293	151	31	longer	long	ADJ
fsr-3293	151	32	retirement	retirement	NOUN
fsr-3293	151	33	period	period	NOUN
fsr-3293	151	34	(	(	PUNCT
fsr-3293	151	35	m	m	VERB
fsr-3293	151	36	�	�	PROPN
fsr-3293	151	37	22.19	22.19	NUM
fsr-3293	151	38	,	,	PUNCT
fsr-3293	151	39	sd	sd	ADP
fsr-3293	151	40	�	�	PROPN
fsr-3293	151	41	4.70	4.70	NUM
fsr-3293	151	42	)	)	PUNCT
fsr-3293	151	43	than	than	ADP
fsr-3293	151	44	those	those	PRON
fsr-3293	151	45	who	who	PRON
fsr-3293	151	46	are	be	AUX
fsr-3293	151	47	further	far	ADV
fsr-3293	151	48	from	from	ADP
fsr-3293	151	49	retirement	retirement	NOUN
fsr-3293	151	50	(	(	PUNCT
fsr-3293	151	51	m	m	PROPN
fsr-3293	151	52	�	�	PROPN
fsr-3293	151	53	18.85	18.85	NUM
fsr-3293	151	54	,	,	PUNCT
fsr-3293	151	55	sd	sd	ADP
fsr-3293	151	56	�	�	PROPN
fsr-3293	151	57	4.21	4.21	NUM
fsr-3293	151	58	)	)	PUNCT
fsr-3293	151	59	.	.	PUNCT
fsr-3293	152	1	respondents	respondent	NOUN
fsr-3293	152	2	who	who	PRON
fsr-3293	152	3	expect	expect	VERB
fsr-3293	152	4	to	to	PART
fsr-3293	152	5	retire	retire	VERB
fsr-3293	152	6	within	within	ADP
fsr-3293	152	7	the	the	DET
fsr-3293	152	8	next	next	ADJ
fsr-3293	152	9	10	10	NUM
fsr-3293	152	10	years	year	NOUN
fsr-3293	152	11	expect	expect	VERB
fsr-3293	152	12	to	to	PART
fsr-3293	152	13	work	work	VERB
fsr-3293	152	14	an	an	DET
fsr-3293	152	15	average	average	NOUN
fsr-3293	152	16	of	of	ADP
fsr-3293	152	17	6.47	6.47	NUM
fsr-3293	152	18	years	year	NOUN
fsr-3293	152	19	more	more	ADJ
fsr-3293	152	20	(	(	PUNCT
fsr-3293	152	21	sd	sd	ADP
fsr-3293	152	22	�	�	PROPN
fsr-3293	152	23	1.12	1.12	NUM
fsr-3293	152	24	)	)	PUNCT
fsr-3293	152	25	while	while	SCONJ
fsr-3293	152	26	those	those	PRON
fsr-3293	152	27	expecting	expect	VERB
fsr-3293	152	28	to	to	PART
fsr-3293	152	29	retire	retire	VERB
fsr-3293	152	30	later	later	ADV
fsr-3293	152	31	expect	expect	VERB
fsr-3293	152	32	to	to	PART
fsr-3293	152	33	work	work	VERB
fsr-3293	152	34	an	an	DET
fsr-3293	152	35	average	average	NOUN
fsr-3293	152	36	of	of	ADP
fsr-3293	152	37	19.85	19.85	NUM
fsr-3293	152	38	more	more	ADJ
fsr-3293	152	39	years	year	NOUN
fsr-3293	152	40	(	(	PUNCT
fsr-3293	152	41	sd	sd	ADP
fsr-3293	152	42	�	�	PROPN
fsr-3293	152	43	2.70	2.70	NUM
fsr-3293	152	44	)	)	PUNCT
fsr-3293	152	45	.	.	PUNCT
fsr-3293	153	1	respondents	respondent	NOUN
fsr-3293	153	2	near	near	ADP
fsr-3293	153	3	retirement	retirement	NOUN
fsr-3293	153	4	have	have	VERB
fsr-3293	153	5	slightly	slightly	ADV
fsr-3293	153	6	more	more	ADJ
fsr-3293	153	7	than	than	ADP
fsr-3293	153	8	twice	twice	DET
fsr-3293	153	9	the	the	DET
fsr-3293	153	10	median	median	ADJ
fsr-3293	153	11	net	net	ADJ
fsr-3293	153	12	worth	worth	NOUN
fsr-3293	153	13	(	(	PUNCT
fsr-3293	153	14	$	$	SYM
fsr-3293	153	15	260,000	260,000	NUM
fsr-3293	153	16	)	)	PUNCT
fsr-3293	153	17	than	than	ADP
fsr-3293	153	18	those	those	PRON
fsr-3293	153	19	who	who	PRON
fsr-3293	153	20	are	be	AUX
fsr-3293	153	21	further	far	ADV
fsr-3293	153	22	from	from	ADP
fsr-3293	153	23	retirement	retirement	NOUN
fsr-3293	153	24	(	(	PUNCT
fsr-3293	153	25	$	$	SYM
fsr-3293	153	26	128,770	128,770	NUM
fsr-3293	153	27	)	)	PUNCT
fsr-3293	153	28	,	,	PUNCT
fsr-3293	153	29	and	and	CCONJ
fsr-3293	153	30	have	have	VERB
fsr-3293	153	31	approximately	approximately	ADV
fsr-3293	153	32	42	42	NUM
fsr-3293	153	33	%	%	NOUN
fsr-3293	153	34	more	more	ADJ
fsr-3293	153	35	financial	financial	ADJ
fsr-3293	153	36	assets	asset	NOUN
fsr-3293	153	37	(	(	PUNCT
fsr-3293	153	38	median	median	NOUN
fsr-3293	153	39	�	�	PROPN
fsr-3293	153	40	$	$	SYM
fsr-3293	153	41	367,400	367,400	NUM
fsr-3293	153	42	)	)	PUNCT
fsr-3293	153	43	than	than	ADP
fsr-3293	153	44	those	those	PRON
fsr-3293	153	45	further	far	ADV
fsr-3293	153	46	from	from	ADP
fsr-3293	153	47	retirement	retirement	NOUN
fsr-3293	153	48	(	(	PUNCT
fsr-3293	153	49	median	median	PROPN
fsr-3293	153	50	�	�	PROPN
fsr-3293	153	51	$	$	SYM
fsr-3293	153	52	257,300	257,300	NUM
fsr-3293	153	53	)	)	PUNCT
fsr-3293	153	54	.	.	PUNCT
fsr-3293	154	1	about	about	ADV
fsr-3293	154	2	84	84	NUM
fsr-3293	154	3	%	%	NOUN
fsr-3293	154	4	of	of	ADP
fsr-3293	154	5	those	those	PRON
fsr-3293	154	6	near	near	ADP
fsr-3293	154	7	retirement	retirement	NOUN
fsr-3293	154	8	own	own	VERB
fsr-3293	154	9	their	their	PRON
fsr-3293	154	10	home	home	NOUN
fsr-3293	154	11	whereas	whereas	SCONJ
fsr-3293	154	12	nearly	nearly	ADV
fsr-3293	154	13	72	72	NUM
fsr-3293	154	14	%	%	NOUN
fsr-3293	154	15	of	of	ADP
fsr-3293	154	16	those	those	DET
fsr-3293	154	17	11	11	NUM
fsr-3293	154	18	or	or	CCONJ
fsr-3293	154	19	more	more	ADJ
fsr-3293	154	20	years	year	NOUN
fsr-3293	154	21	away	away	ADV
fsr-3293	154	22	from	from	ADP
fsr-3293	154	23	retirement	retirement	NOUN
fsr-3293	154	24	own	own	ADJ
fsr-3293	154	25	their	their	PRON
fsr-3293	154	26	home	home	NOUN
fsr-3293	154	27	.	.	PUNCT
fsr-3293	155	1	of	of	ADP
fsr-3293	155	2	those	those	PRON
fsr-3293	155	3	near	near	ADP
fsr-3293	155	4	retirement	retirement	NOUN
fsr-3293	155	5	,	,	PUNCT
fsr-3293	155	6	approximately	approximately	ADV
fsr-3293	155	7	66	66	NUM
fsr-3293	155	8	%	%	NOUN
fsr-3293	155	9	report	report	NOUN
fsr-3293	155	10	spending	spend	VERB
fsr-3293	155	11	less	less	ADJ
fsr-3293	155	12	than	than	SCONJ
fsr-3293	155	13	they	they	PRON
fsr-3293	155	14	made	make	VERB
fsr-3293	155	15	in	in	ADP
fsr-3293	155	16	the	the	DET
fsr-3293	155	17	prior	prior	ADJ
fsr-3293	155	18	year	year	NOUN
fsr-3293	155	19	and	and	CCONJ
fsr-3293	155	20	11	11	NUM
fsr-3293	155	21	%	%	NOUN
fsr-3293	155	22	report	report	NOUN
fsr-3293	155	23	spending	spend	VERB
fsr-3293	155	24	more	more	ADJ
fsr-3293	155	25	than	than	SCONJ
fsr-3293	155	26	they	they	PRON
fsr-3293	155	27	make	make	VERB
fsr-3293	155	28	,	,	PUNCT
fsr-3293	155	29	whereas	whereas	SCONJ
fsr-3293	155	30	only	only	ADV
fsr-3293	155	31	60	60	NUM
fsr-3293	155	32	%	%	NOUN
fsr-3293	155	33	of	of	ADP
fsr-3293	155	34	those	those	PRON
fsr-3293	155	35	further	far	ADV
fsr-3293	155	36	from	from	ADP
fsr-3293	155	37	retirement	retirement	NOUN
fsr-3293	155	38	report	report	NOUN
fsr-3293	155	39	saving	saving	NOUN
fsr-3293	155	40	and	and	CCONJ
fsr-3293	155	41	nearly	nearly	ADV
fsr-3293	155	42	13.5	13.5	NUM
fsr-3293	155	43	%	%	NOUN
fsr-3293	155	44	spend	spend	VERB
fsr-3293	155	45	more	more	ADJ
fsr-3293	155	46	than	than	SCONJ
fsr-3293	155	47	they	they	PRON
fsr-3293	155	48	make	make	VERB
fsr-3293	155	49	.	.	PUNCT
fsr-3293	156	1	an	an	DET
fsr-3293	156	2	interesting	interesting	ADJ
fsr-3293	156	3	find	find	NOUN
fsr-3293	156	4	was	be	AUX
fsr-3293	156	5	that	that	SCONJ
fsr-3293	156	6	both	both	DET
fsr-3293	156	7	groups	group	NOUN
fsr-3293	156	8	have	have	VERB
fsr-3293	156	9	a	a	DET
fsr-3293	156	10	higher	high	ADJ
fsr-3293	156	11	prevalence	prevalence	NOUN
fsr-3293	156	12	of	of	ADP
fsr-3293	156	13	having	have	VERB
fsr-3293	156	14	debt	debt	NOUN
fsr-3293	156	15	(	(	PUNCT
fsr-3293	156	16	87	87	NUM
fsr-3293	156	17	%	%	NOUN
fsr-3293	156	18	for	for	ADP
fsr-3293	156	19	those	those	PRON
fsr-3293	156	20	near	near	ADP
fsr-3293	156	21	retirement	retirement	NOUN
fsr-3293	156	22	,	,	PUNCT
fsr-3293	156	23	88	88	NUM
fsr-3293	156	24	%	%	NOUN
fsr-3293	156	25	those	those	PRON
fsr-3293	156	26	further	far	ADV
fsr-3293	156	27	from	from	ADP
fsr-3293	156	28	retirement	retirement	NOUN
fsr-3293	156	29	)	)	PUNCT
fsr-3293	156	30	than	than	ADP
fsr-3293	156	31	the	the	DET
fsr-3293	156	32	full	full	ADJ
fsr-3293	156	33	sample	sample	NOUN
fsr-3293	156	34	(	(	PUNCT
fsr-3293	156	35	86	86	NUM
fsr-3293	156	36	%	%	NOUN
fsr-3293	156	37	)	)	PUNCT
fsr-3293	156	38	and	and	CCONJ
fsr-3293	156	39	holding	hold	VERB
fsr-3293	156	40	credit	credit	NOUN
fsr-3293	156	41	card	card	NOUN
fsr-3293	156	42	debt	debt	NOUN
fsr-3293	156	43	(	(	PUNCT
fsr-3293	156	44	49	49	NUM
fsr-3293	156	45	%	%	NOUN
fsr-3293	156	46	for	for	ADP
fsr-3293	156	47	those	those	PRON
fsr-3293	156	48	near	near	ADP
fsr-3293	156	49	retirement	retirement	NOUN
fsr-3293	156	50	,	,	PUNCT
fsr-3293	156	51	48	48	NUM
fsr-3293	156	52	%	%	NOUN
fsr-3293	156	53	for	for	ADP
fsr-3293	156	54	those	those	PRON
fsr-3293	156	55	further	far	ADV
fsr-3293	156	56	from	from	ADP
fsr-3293	156	57	retirement	retirement	NOUN
fsr-3293	156	58	)	)	PUNCT
fsr-3293	156	59	than	than	ADP
fsr-3293	156	60	the	the	DET
fsr-3293	156	61	full	full	ADJ
fsr-3293	156	62	sample	sample	NOUN
fsr-3293	156	63	(	(	PUNCT
fsr-3293	156	64	47	47	NUM
fsr-3293	156	65	%	%	NOUN
fsr-3293	156	66	)	)	PUNCT
fsr-3293	156	67	.	.	PUNCT
fsr-3293	157	1	absolute	absolute	ADJ
fsr-3293	157	2	dollar	dollar	NOUN
fsr-3293	157	3	amounts	amount	NOUN
fsr-3293	157	4	of	of	ADP
fsr-3293	157	5	total	total	ADJ
fsr-3293	157	6	debt	debt	NOUN
fsr-3293	157	7	(	(	PUNCT
fsr-3293	157	8	$	$	SYM
fsr-3293	157	9	72,000	72,000	NUM
fsr-3293	157	10	for	for	ADP
fsr-3293	157	11	those	those	PRON
fsr-3293	157	12	near	near	ADP
fsr-3293	157	13	retirement	retirement	NOUN
fsr-3293	157	14	,	,	PUNCT
fsr-3293	157	15	$	$	SYM
fsr-3293	157	16	94,000	94,000	NUM
fsr-3293	157	17	for	for	ADP
fsr-3293	157	18	those	those	PRON
fsr-3293	157	19	further	far	ADV
fsr-3293	157	20	from	from	ADP
fsr-3293	157	21	retirement	retirement	NOUN
fsr-3293	157	22	)	)	PUNCT
fsr-3293	157	23	and	and	CCONJ
fsr-3293	157	24	credit	credit	NOUN
fsr-3293	157	25	card	card	NOUN
fsr-3293	157	26	debt	debt	NOUN
fsr-3293	157	27	(	(	PUNCT
fsr-3293	157	28	$	$	SYM
fsr-3293	157	29	3,150	3,150	NUM
fsr-3293	157	30	for	for	ADP
fsr-3293	157	31	those	those	PRON
fsr-3293	157	32	close	close	ADJ
fsr-3293	157	33	to	to	ADP
fsr-3293	157	34	retirement	retirement	NOUN
fsr-3293	157	35	,	,	PUNCT
fsr-3293	157	36	$	$	SYM
fsr-3293	157	37	3,203	3,203	NUM
fsr-3293	157	38	for	for	ADP
fsr-3293	157	39	those	those	PRON
fsr-3293	157	40	further	far	ADV
fsr-3293	157	41	from	from	ADP
fsr-3293	157	42	retirement	retirement	NOUN
fsr-3293	157	43	)	)	PUNCT
fsr-3293	157	44	are	be	AUX
fsr-3293	157	45	also	also	ADV
fsr-3293	157	46	higher	high	ADJ
fsr-3293	157	47	than	than	ADP
fsr-3293	157	48	the	the	DET
fsr-3293	157	49	full	full	ADJ
fsr-3293	157	50	sample	sample	NOUN
fsr-3293	157	51	(	(	PUNCT
fsr-3293	157	52	$	$	SYM
fsr-3293	157	53	65,600	65,600	NUM
fsr-3293	157	54	,	,	PUNCT
fsr-3293	157	55	$	$	SYM
fsr-3293	157	56	2,792	2,792	NUM
fsr-3293	157	57	,	,	PUNCT
fsr-3293	157	58	respectively	respectively	ADV
fsr-3293	157	59	)	)	PUNCT
fsr-3293	157	60	.	.	PUNCT
fsr-3293	158	1	approximately	approximately	ADV
fsr-3293	158	2	35	35	NUM
fsr-3293	158	3	%	%	NOUN
fsr-3293	158	4	of	of	ADP
fsr-3293	158	5	those	those	PRON
fsr-3293	158	6	within	within	ADP
fsr-3293	158	7	10	10	NUM
fsr-3293	158	8	years	year	NOUN
fsr-3293	158	9	of	of	ADP
fsr-3293	158	10	retirement	retirement	NOUN
fsr-3293	158	11	have	have	VERB
fsr-3293	158	12	minor	minor	ADJ
fsr-3293	158	13	children	child	NOUN
fsr-3293	158	14	in	in	ADP
fsr-3293	158	15	the	the	DET
fsr-3293	158	16	home	home	NOUN
fsr-3293	158	17	whereas	whereas	SCONJ
fsr-3293	158	18	64	64	NUM
fsr-3293	158	19	%	%	NOUN
fsr-3293	158	20	of	of	ADP
fsr-3293	158	21	those	those	DET
fsr-3293	158	22	11	11	NUM
fsr-3293	158	23	or	or	CCONJ
fsr-3293	158	24	more	more	ADJ
fsr-3293	158	25	years	year	NOUN
fsr-3293	158	26	away	away	ADV
fsr-3293	158	27	from	from	ADP
fsr-3293	158	28	retirement	retirement	NOUN
fsr-3293	158	29	have	have	VERB
fsr-3293	158	30	minor	minor	ADJ
fsr-3293	158	31	children	child	NOUN
fsr-3293	158	32	at	at	ADP
fsr-3293	158	33	home	home	NOUN
fsr-3293	158	34	.	.	PUNCT
fsr-3293	159	1	almost	almost	ADV
fsr-3293	159	2	70	70	NUM
fsr-3293	159	3	%	%	NOUN
fsr-3293	159	4	of	of	ADP
fsr-3293	159	5	those	those	PRON
fsr-3293	159	6	nearing	near	VERB
fsr-3293	159	7	retirement	retirement	NOUN
fsr-3293	159	8	have	have	VERB
fsr-3293	159	9	a	a	DET
fsr-3293	159	10	retirement	retirement	NOUN
fsr-3293	159	11	plan	plan	NOUN
fsr-3293	159	12	at	at	ADP
fsr-3293	159	13	their	their	PRON
fsr-3293	159	14	place	place	NOUN
fsr-3293	159	15	of	of	ADP
fsr-3293	159	16	employment	employment	NOUN
fsr-3293	159	17	,	,	PUNCT
fsr-3293	159	18	while	while	SCONJ
fsr-3293	159	19	only	only	ADV
fsr-3293	159	20	60	60	NUM
fsr-3293	159	21	%	%	NOUN
fsr-3293	159	22	of	of	ADP
fsr-3293	159	23	those	those	PRON
fsr-3293	159	24	not	not	PART
fsr-3293	159	25	expecting	expect	VERB
fsr-3293	159	26	to	to	PART
fsr-3293	159	27	retire	retire	VERB
fsr-3293	159	28	within	within	ADP
fsr-3293	159	29	the	the	DET
fsr-3293	159	30	decade	decade	NOUN
fsr-3293	159	31	have	have	VERB
fsr-3293	159	32	such	such	DET
fsr-3293	159	33	a	a	DET
fsr-3293	159	34	plan	plan	NOUN
fsr-3293	159	35	.	.	PUNCT
fsr-3293	160	1	finally	finally	ADV
fsr-3293	160	2	,	,	PUNCT
fsr-3293	160	3	proportionately	proportionately	ADV
fsr-3293	160	4	more	more	ADJ
fsr-3293	160	5	of	of	ADP
fsr-3293	160	6	those	those	PRON
fsr-3293	160	7	who	who	PRON
fsr-3293	160	8	are	be	AUX
fsr-3293	160	9	nearing	near	VERB
fsr-3293	160	10	retirement	retirement	NOUN
fsr-3293	160	11	(	(	PUNCT
fsr-3293	160	12	56	56	NUM
fsr-3293	160	13	%	%	NOUN
fsr-3293	160	14	)	)	PUNCT
fsr-3293	160	15	plan	plan	NOUN
fsr-3293	160	16	for	for	ADP
fsr-3293	160	17	the	the	DET
fsr-3293	160	18	intermediate	intermediate	ADJ
fsr-3293	160	19	-	-	PUNCT
fsr-3293	160	20	term	term	NOUN
fsr-3293	160	21	than	than	SCONJ
fsr-3293	160	22	did	do	VERB
fsr-3293	160	23	those	those	PRON
fsr-3293	160	24	who	who	PRON
fsr-3293	160	25	were	be	AUX
fsr-3293	160	26	further	far	ADV
fsr-3293	160	27	from	from	ADP
fsr-3293	160	28	retirement	retirement	NOUN
fsr-3293	160	29	(	(	PUNCT
fsr-3293	160	30	49	49	NUM
fsr-3293	160	31	%	%	NOUN
fsr-3293	160	32	)	)	PUNCT
fsr-3293	160	33	,	,	PUNCT
fsr-3293	160	34	while	while	SCONJ
fsr-3293	160	35	those	those	PRON
fsr-3293	160	36	further	far	ADV
fsr-3293	160	37	from	from	ADP
fsr-3293	160	38	retirement	retirement	NOUN
fsr-3293	160	39	are	be	AUX
fsr-3293	160	40	planning	plan	VERB
fsr-3293	160	41	for	for	ADP
fsr-3293	160	42	the	the	DET
fsr-3293	160	43	short	short	ADJ
fsr-3293	160	44	-	-	PUNCT
fsr-3293	160	45	term	term	NOUN
fsr-3293	160	46	proportionately	proportionately	ADV
fsr-3293	160	47	more	more	ADJ
fsr-3293	160	48	(	(	PUNCT
fsr-3293	160	49	35	35	NUM
fsr-3293	160	50	%	%	NOUN
fsr-3293	160	51	)	)	PUNCT
fsr-3293	160	52	than	than	ADP
fsr-3293	160	53	those	those	PRON
fsr-3293	160	54	near	near	ADP
fsr-3293	160	55	retirement	retirement	NOUN
fsr-3293	160	56	(	(	PUNCT
fsr-3293	160	57	32	32	NUM
fsr-3293	160	58	%	%	NOUN
fsr-3293	160	59	)	)	PUNCT
fsr-3293	160	60	.	.	PUNCT
fsr-3293	161	1	full	full	ADJ
fsr-3293	161	2	descriptive	descriptive	ADJ
fsr-3293	161	3	results	result	NOUN
fsr-3293	161	4	can	can	AUX
fsr-3293	161	5	be	be	AUX
fsr-3293	161	6	seen	see	VERB
fsr-3293	161	7	in	in	ADP
fsr-3293	161	8	table	table	NOUN
fsr-3293	161	9	1	1	NUM
fsr-3293	161	10	.	.	NOUN
fsr-3293	161	11	3.2	3.2	NUM
fsr-3293	161	12	.	.	PUNCT
fsr-3293	162	1	multivariate	multivariate	NOUN
fsr-3293	162	2	results	result	VERB
fsr-3293	162	3	the	the	DET
fsr-3293	162	4	regression	regression	NOUN
fsr-3293	162	5	models	model	NOUN
fsr-3293	162	6	are	be	AUX
fsr-3293	162	7	presented	present	VERB
fsr-3293	162	8	in	in	ADP
fsr-3293	162	9	tables	table	NOUN
fsr-3293	162	10	2	2	NUM
fsr-3293	162	11	through	through	ADP
fsr-3293	162	12	4	4	NUM
fsr-3293	162	13	with	with	ADP
fsr-3293	162	14	each	each	DET
fsr-3293	162	15	table	table	NOUN
fsr-3293	162	16	containing	contain	VERB
fsr-3293	162	17	the	the	DET
fsr-3293	162	18	overall	overall	ADJ
fsr-3293	162	19	model	model	NOUN
fsr-3293	162	20	first	first	ADV
fsr-3293	162	21	,	,	PUNCT
fsr-3293	162	22	followed	follow	VERB
fsr-3293	162	23	by	by	ADP
fsr-3293	162	24	the	the	DET
fsr-3293	162	25	model	model	NOUN
fsr-3293	162	26	representing	represent	VERB
fsr-3293	162	27	full	full	ADJ
fsr-3293	162	28	-	-	PUNCT
fsr-3293	162	29	time	time	NOUN
fsr-3293	162	30	workers	worker	NOUN
fsr-3293	162	31	ages	age	VERB
fsr-3293	162	32	35	35	NUM
fsr-3293	162	33	to	to	ADP
fsr-3293	162	34	62	62	NUM
fsr-3293	162	35	expecting	expect	VERB
fsr-3293	162	36	to	to	PART
fsr-3293	162	37	retire	retire	VERB
fsr-3293	162	38	in	in	ADP
fsr-3293	162	39	the	the	DET
fsr-3293	162	40	next	next	ADJ
fsr-3293	162	41	10	10	NUM
fsr-3293	162	42	years	year	NOUN
fsr-3293	162	43	,	,	PUNCT
fsr-3293	162	44	and	and	CCONJ
fsr-3293	162	45	ending	end	VERB
fsr-3293	162	46	with	with	ADP
fsr-3293	162	47	the	the	DET
fsr-3293	162	48	model	model	NOUN
fsr-3293	162	49	for	for	ADP
fsr-3293	162	50	full	full	ADJ
fsr-3293	162	51	-	-	PUNCT
fsr-3293	162	52	time	time	NOUN
fsr-3293	162	53	workers	worker	NOUN
fsr-3293	162	54	ages	age	VERB
fsr-3293	162	55	35	35	NUM
fsr-3293	162	56	to	to	ADP
fsr-3293	162	57	62	62	NUM
fsr-3293	162	58	expecting	expect	VERB
fsr-3293	162	59	to	to	PART
fsr-3293	162	60	retire	retire	VERB
fsr-3293	162	61	beyond	beyond	ADP
fsr-3293	162	62	10	10	NUM
fsr-3293	162	63	years	year	NOUN
fsr-3293	162	64	.	.	PUNCT
fsr-3293	163	1	3.2.1	3.2.1	X
fsr-3293	163	2	.	.	PUNCT
fsr-3293	163	3	financial	financial	ADJ
fsr-3293	163	4	assets	asset	NOUN
fsr-3293	163	5	considering	consider	VERB
fsr-3293	163	6	first	first	ADV
fsr-3293	163	7	the	the	DET
fsr-3293	163	8	factors	factor	NOUN
fsr-3293	163	9	that	that	PRON
fsr-3293	163	10	influence	influence	VERB
fsr-3293	163	11	the	the	DET
fsr-3293	163	12	log	log	NOUN
fsr-3293	163	13	of	of	ADP
fsr-3293	163	14	financial	financial	ADJ
fsr-3293	163	15	assets	asset	NOUN
fsr-3293	163	16	,	,	PUNCT
fsr-3293	163	17	rle	rle	NOUN
fsr-3293	163	18	and	and	CCONJ
fsr-3293	163	19	rwle	rwle	NOUN
fsr-3293	163	20	are	be	AUX
fsr-3293	163	21	significant	significant	ADJ
fsr-3293	163	22	.	.	PUNCT
fsr-3293	164	1	contrary	contrary	ADJ
fsr-3293	164	2	to	to	ADP
fsr-3293	164	3	expectations	expectation	NOUN
fsr-3293	164	4	,	,	PUNCT
fsr-3293	164	5	rle	rle	PROPN
fsr-3293	164	6	is	be	AUX
fsr-3293	164	7	negatively	negatively	ADV
fsr-3293	164	8	associated	associate	VERB
fsr-3293	164	9	,	,	PUNCT
fsr-3293	164	10	indicating	indicate	VERB
fsr-3293	164	11	that	that	SCONJ
fsr-3293	164	12	a	a	DET
fsr-3293	164	13	one	one	NUM
fsr-3293	164	14	-	-	PUNCT
fsr-3293	164	15	year	year	NOUN
fsr-3293	164	16	increase	increase	NOUN
fsr-3293	164	17	in	in	ADP
fsr-3293	164	18	rle	rle	PROPN
fsr-3293	164	19	is	be	AUX
fsr-3293	164	20	associated	associate	VERB
fsr-3293	164	21	with	with	ADP
fsr-3293	164	22	a	a	DET
fsr-3293	164	23	1	1	NUM
fsr-3293	164	24	%	%	NOUN
fsr-3293	164	25	decrease	decrease	NOUN
fsr-3293	164	26	in	in	ADP
fsr-3293	164	27	financial	financial	ADJ
fsr-3293	164	28	assets	asset	NOUN
fsr-3293	164	29	(	(	PUNCT
fsr-3293	164	30	b	b	PROPN
fsr-3293	164	31	�	�	PROPN
fsr-3293	164	32	�	�	PROPN
fsr-3293	164	33	0.01	0.01	NUM
fsr-3293	164	34	,	,	PUNCT
fsr-3293	164	35	se	se	X
fsr-3293	164	36	�	�	PROPN
fsr-3293	164	37	0.00	0.00	NUM
fsr-3293	164	38	,	,	PUNCT
fsr-3293	164	39	p	p	PROPN
fsr-3293	164	40	�	�	PROPN
fsr-3293	164	41	0.01	0.01	NUM
fsr-3293	164	42	)	)	PUNCT
fsr-3293	164	43	.	.	PUNCT
fsr-3293	165	1	rwle	rwle	PROPN
fsr-3293	165	2	is	be	AUX
fsr-3293	165	3	also	also	ADV
fsr-3293	165	4	negatively	negatively	ADV
fsr-3293	165	5	associated	associate	VERB
fsr-3293	165	6	with	with	ADP
fsr-3293	165	7	log	log	NOUN
fsr-3293	165	8	financial	financial	ADJ
fsr-3293	165	9	assets	asset	NOUN
fsr-3293	165	10	—	—	PUNCT
fsr-3293	165	11	a	a	DET
fsr-3293	165	12	one	one	NUM
fsr-3293	165	13	-	-	PUNCT
fsr-3293	165	14	year	year	NOUN
fsr-3293	165	15	increase	increase	NOUN
fsr-3293	165	16	in	in	ADP
fsr-3293	165	17	a	a	DET
fsr-3293	165	18	respondent	respondent	NOUN
fsr-3293	165	19	’s	’s	PART
fsr-3293	165	20	working	work	VERB
fsr-3293	165	21	career	career	NOUN
fsr-3293	165	22	is	be	AUX
fsr-3293	165	23	associated	associate	VERB
fsr-3293	165	24	with	with	ADP
fsr-3293	165	25	a	a	DET
fsr-3293	165	26	4	4	NUM
fsr-3293	165	27	%	%	NOUN
fsr-3293	165	28	reduction	reduction	NOUN
fsr-3293	165	29	in	in	ADP
fsr-3293	165	30	financial	financial	ADJ
fsr-3293	165	31	assets	asset	NOUN
fsr-3293	165	32	(	(	PUNCT
fsr-3293	165	33	b	b	PROPN
fsr-3293	165	34	�	�	PROPN
fsr-3293	165	35	�	�	PROPN
fsr-3293	165	36	0.04	0.04	NUM
fsr-3293	165	37	,	,	PUNCT
fsr-3293	165	38	se	se	X
fsr-3293	165	39	�	�	PROPN
fsr-3293	165	40	0.00	0.00	NUM
fsr-3293	165	41	,	,	PUNCT
fsr-3293	165	42	p	p	PROPN
fsr-3293	165	43	�	�	PROPN
fsr-3293	165	44	0.01	0.01	NUM
fsr-3293	165	45	)	)	PUNCT
fsr-3293	165	46	.	.	PUNCT
fsr-3293	166	1	however	however	ADV
fsr-3293	166	2	,	,	PUNCT
fsr-3293	166	3	this	this	PRON
fsr-3293	166	4	makes	make	VERB
fsr-3293	166	5	conceptual	conceptual	ADJ
fsr-3293	166	6	sense	sense	NOUN
fsr-3293	166	7	given	give	VERB
fsr-3293	166	8	that	that	SCONJ
fsr-3293	166	9	those	those	PRON
fsr-3293	166	10	with	with	ADP
fsr-3293	166	11	a	a	DET
fsr-3293	166	12	longer	long	ADJ
fsr-3293	166	13	time	time	NOUN
fsr-3293	166	14	until	until	SCONJ
fsr-3293	166	15	retirement	retirement	NOUN
fsr-3293	166	16	are	be	AUX
fsr-3293	166	17	likely	likely	ADJ
fsr-3293	166	18	to	to	PART
fsr-3293	166	19	have	have	VERB
fsr-3293	166	20	less	less	ADJ
fsr-3293	166	21	financial	financial	ADJ
fsr-3293	166	22	assets	asset	NOUN
fsr-3293	166	23	.	.	PUNCT
fsr-3293	167	1	owning	own	VERB
fsr-3293	167	2	a	a	DET
fsr-3293	167	3	home	home	NOUN
fsr-3293	167	4	and	and	CCONJ
fsr-3293	167	5	indicating	indicate	VERB
fsr-3293	167	6	an	an	DET
fsr-3293	167	7	intent	intent	NOUN
fsr-3293	167	8	to	to	PART
fsr-3293	167	9	leave	leave	VERB
fsr-3293	167	10	a	a	DET
fsr-3293	167	11	bequest	bequest	NOUN
fsr-3293	167	12	are	be	AUX
fsr-3293	167	13	both	both	PRON
fsr-3293	167	14	positively	positively	ADV
fsr-3293	167	15	associated	associate	VERB
fsr-3293	167	16	with	with	ADP
fsr-3293	167	17	financial	financial	ADJ
fsr-3293	167	18	asset	asset	NOUN
fsr-3293	167	19	9d.r	9d.r	NUM
fsr-3293	167	20	.	.	PUNCT
fsr-3293	168	1	lawson	lawson	PROPN
fsr-3293	168	2	,	,	PUNCT
fsr-3293	168	3	s.j	s.j	PROPN
fsr-3293	168	4	.	.	PROPN
fsr-3293	168	5	heckman	heckman	PROPN
fsr-3293	168	6	/	/	SYM
fsr-3293	168	7	financial	financial	PROPN
fsr-3293	168	8	services	service	NOUN
fsr-3293	168	9	review	review	VERB
fsr-3293	168	10	26	26	NUM
fsr-3293	168	11	(	(	PUNCT
fsr-3293	168	12	2017	2017	NUM
fsr-3293	168	13	)	)	PUNCT
fsr-3293	168	14	1–18	1–18	NUM
fsr-3293	168	15	table	table	NOUN
fsr-3293	168	16	1	1	NUM
fsr-3293	168	17	sample	sample	NOUN
fsr-3293	168	18	descriptives	descriptive	NOUN
fsr-3293	168	19	of	of	ADP
fsr-3293	168	20	full	full	ADJ
fsr-3293	168	21	-	-	PUNCT
fsr-3293	168	22	time	time	NOUN
fsr-3293	168	23	workers	worker	NOUN
fsr-3293	168	24	:	:	PUNCT
fsr-3293	168	25	full	full	ADJ
fsr-3293	168	26	sample	sample	NOUN
fsr-3293	168	27	,	,	PUNCT
fsr-3293	168	28	sample	sample	NOUN
fsr-3293	168	29	of	of	ADP
fsr-3293	168	30	those	those	PRON
fsr-3293	168	31	near	near	ADP
fsr-3293	168	32	retirement	retirement	NOUN
fsr-3293	168	33	,	,	PUNCT
fsr-3293	168	34	and	and	CCONJ
fsr-3293	168	35	sample	sample	NOUN
fsr-3293	168	36	of	of	ADP
fsr-3293	168	37	those	those	DET
fsr-3293	168	38	more	more	ADJ
fsr-3293	168	39	than	than	ADP
fsr-3293	168	40	10	10	NUM
fsr-3293	168	41	years	year	NOUN
fsr-3293	168	42	from	from	ADP
fsr-3293	168	43	retirement	retirement	NOUN
fsr-3293	168	44	full	full	ADJ
fsr-3293	168	45	model	model	NOUN
fsr-3293	168	46	0–10	0–10	PROPN
fsr-3293	168	47	years	year	NOUN
fsr-3293	168	48	11	11	NUM
fsr-3293	168	49	�	�	NOUN
fsr-3293	168	50	years	year	NOUN
fsr-3293	168	51	(	(	PUNCT
fsr-3293	168	52	n	n	X
fsr-3293	168	53	�	�	PROPN
fsr-3293	168	54	2,632	2,632	NUM
fsr-3293	168	55	)	)	PUNCT
fsr-3293	168	56	(	(	PUNCT
fsr-3293	168	57	n	n	X
fsr-3293	168	58	�	�	PROPN
fsr-3293	168	59	617	617	NUM
fsr-3293	168	60	)	)	PUNCT
fsr-3293	168	61	(	(	PUNCT
fsr-3293	168	62	n	n	X
fsr-3293	168	63	�	�	PROPN
fsr-3293	168	64	1,212	1,212	NUM
fsr-3293	168	65	)	)	PUNCT
fsr-3293	168	66	variable	variable	NOUN
fsr-3293	168	67	(	(	PUNCT
fsr-3293	168	68	reference	reference	NOUN
fsr-3293	168	69	group	group	NOUN
fsr-3293	168	70	)	)	PUNCT
fsr-3293	168	71	m/%	m/%	PROPN
fsr-3293	168	72	sd	sd	ADP
fsr-3293	168	73	m/%	m/%	PROPN
fsr-3293	168	74	sd	sd	ADP
fsr-3293	168	75	m/%	m/%	PROPN
fsr-3293	168	76	sd	sd	ADP
fsr-3293	168	77	age	age	NOUN
fsr-3293	168	78	44.45	44.45	NUM
fsr-3293	168	79	5.42	5.42	NUM
fsr-3293	168	80	55.44	55.44	NUM
fsr-3293	168	81	2.20	2.20	NUM
fsr-3293	168	82	45.03	45.03	NUM
fsr-3293	168	83	2.65	2.65	NUM
fsr-3293	168	84	retirement	retirement	NOUN
fsr-3293	168	85	age	age	NOUN
fsr-3293	168	86	63.56	63.56	NUM
fsr-3293	168	87	2.92	2.92	NUM
fsr-3293	168	88	61.91	61.91	NUM
fsr-3293	168	89	2.17	2.17	NUM
fsr-3293	168	90	64.88	64.88	NUM
fsr-3293	168	91	2.16	2.16	NUM
fsr-3293	168	92	life	life	NOUN
fsr-3293	168	93	expectancy	expectancy	NOUN
fsr-3293	168	94	measures	measure	VERB
fsr-3293	168	95	subjective	subjective	ADJ
fsr-3293	168	96	life	life	NOUN
fsr-3293	168	97	expectancy	expectancy	NOUN
fsr-3293	168	98	84.60	84.60	NUM
fsr-3293	168	99	4.36	4.36	NUM
fsr-3293	168	100	84.10	84.10	NUM
fsr-3293	168	101	4.17	4.17	NUM
fsr-3293	168	102	83.72	83.72	NUM
fsr-3293	168	103	4.08	4.08	NUM
fsr-3293	168	104	retirement	retirement	NOUN
fsr-3293	168	105	life	life	NOUN
fsr-3293	168	106	expectancy	expectancy	NOUN
fsr-3293	168	107	21.05	21.05	NUM
fsr-3293	168	108	4.96	4.96	NUM
fsr-3293	168	109	22.19	22.19	NUM
fsr-3293	168	110	4.70	4.70	NUM
fsr-3293	168	111	18.85	18.85	NUM
fsr-3293	168	112	4.21	4.21	NUM
fsr-3293	168	113	remaining	remain	VERB
fsr-3293	168	114	work	work	NOUN
fsr-3293	168	115	life	life	NOUN
fsr-3293	168	116	expectancy	expectancy	NOUN
fsr-3293	168	117	19.11	19.11	NUM
fsr-3293	168	118	5.06	5.06	NUM
fsr-3293	168	119	6.47	6.47	NUM
fsr-3293	168	120	1.12	1.12	NUM
fsr-3293	168	121	19.85	19.85	NUM
fsr-3293	168	122	2.70	2.70	NUM
fsr-3293	168	123	income	income	NOUN
fsr-3293	168	124	and	and	CCONJ
fsr-3293	168	125	asset	asset	NOUN
fsr-3293	168	126	info	info	NOUN
fsr-3293	168	127	incomea	incomea	VERB
fsr-3293	168	128	$	$	SYM
fsr-3293	168	129	68,988	68,988	NUM
fsr-3293	168	130	$	$	SYM
fsr-3293	168	131	83,192	83,192	NUM
fsr-3293	168	132	$	$	SYM
fsr-3293	168	133	78,119	78,119	NUM
fsr-3293	168	134	net	net	ADJ
fsr-3293	168	135	wortha	wortha	PROPN
fsr-3293	168	136	$	$	SYM
fsr-3293	168	137	103,980	103,980	NUM
fsr-3293	168	138	$	$	SYM
fsr-3293	168	139	260,000	260,000	NUM
fsr-3293	168	140	$	$	SYM
fsr-3293	168	141	128,770	128,770	NUM
fsr-3293	168	142	financial	financial	ADJ
fsr-3293	168	143	assetsa	assetsa	NOUN
fsr-3293	168	144	$	$	SYM
fsr-3293	168	145	224,950	224,950	NUM
fsr-3293	168	146	$	$	SYM
fsr-3293	168	147	367,400	367,400	NUM
fsr-3293	168	148	$	$	SYM
fsr-3293	168	149	257,300	257,300	NUM
fsr-3293	168	150	owns	own	VERB
fsr-3293	168	151	home	home	NOUN
fsr-3293	168	152	69.18	69.18	NUM
fsr-3293	168	153	%	%	NOUN
fsr-3293	168	154	84.29	84.29	NUM
fsr-3293	168	155	%	%	NOUN
fsr-3293	168	156	71.96	71.96	NUM
fsr-3293	168	157	%	%	NOUN
fsr-3293	168	158	bequest	bequest	NOUN
fsr-3293	168	159	motive	motive	VERB
fsr-3293	168	160	36.02	36.02	NUM
fsr-3293	168	161	%	%	NOUN
fsr-3293	168	162	35.48	35.48	NUM
fsr-3293	168	163	%	%	NOUN
fsr-3293	168	164	32.25	32.25	NUM
fsr-3293	168	165	%	%	NOUN
fsr-3293	168	166	receive	receive	VERB
fsr-3293	168	167	inheritance	inheritance	NOUN
fsr-3293	168	168	17.41	17.41	NUM
fsr-3293	168	169	%	%	NOUN
fsr-3293	168	170	15.44	15.44	NUM
fsr-3293	168	171	%	%	NOUN
fsr-3293	168	172	18.18	18.18	NUM
fsr-3293	168	173	%	%	NOUN
fsr-3293	168	174	debt	debt	NOUN
fsr-3293	168	175	burden	burden	NOUN
fsr-3293	168	176	have	have	VERB
fsr-3293	168	177	debt	debt	NOUN
fsr-3293	168	178	86.06	86.06	NUM
fsr-3293	168	179	%	%	NOUN
fsr-3293	168	180	87.05	87.05	NUM
fsr-3293	168	181	%	%	NOUN
fsr-3293	168	182	88.28	88.28	NUM
fsr-3293	168	183	%	%	NOUN
fsr-3293	168	184	have	have	VERB
fsr-3293	168	185	credit	credit	NOUN
fsr-3293	168	186	card	card	NOUN
fsr-3293	168	187	76.55	76.55	NUM
fsr-3293	168	188	%	%	NOUN
fsr-3293	168	189	83.35	83.35	NUM
fsr-3293	168	190	%	%	NOUN
fsr-3293	168	191	76.81	76.81	NUM
fsr-3293	168	192	%	%	NOUN
fsr-3293	168	193	have	have	VERB
fsr-3293	168	194	credit	credit	NOUN
fsr-3293	168	195	card	card	NOUN
fsr-3293	168	196	balance	balance	NOUN
fsr-3293	168	197	46.83	46.83	NUM
fsr-3293	168	198	%	%	NOUN
fsr-3293	168	199	49.35	49.35	NUM
fsr-3293	168	200	%	%	NOUN
fsr-3293	168	201	48.41	48.41	NUM
fsr-3293	168	202	%	%	NOUN
fsr-3293	168	203	total	total	NOUN
fsr-3293	168	204	debta	debta	NOUN
fsr-3293	168	205	$	$	SYM
fsr-3293	168	206	65,600	65,600	NUM
fsr-3293	168	207	$	$	SYM
fsr-3293	168	208	72,000	72,000	NUM
fsr-3293	168	209	$	$	SYM
fsr-3293	168	210	94,000	94,000	NUM
fsr-3293	168	211	total	total	ADJ
fsr-3293	168	212	credit	credit	NOUN
fsr-3293	168	213	card	card	NOUN
fsr-3293	168	214	balanceb	balanceb	VERB
fsr-3293	168	215	$	$	SYM
fsr-3293	168	216	2,792	2,792	NUM
fsr-3293	168	217	$	$	SYM
fsr-3293	168	218	2,932	2,932	NUM
fsr-3293	168	219	$	$	SYM
fsr-3293	168	220	3,150	3,150	NUM
fsr-3293	168	221	$	$	SYM
fsr-3293	168	222	3,194	3,194	NUM
fsr-3293	168	223	$	$	SYM
fsr-3293	168	224	3,203	3,203	NUM
fsr-3293	168	225	$	$	SYM
fsr-3293	168	226	3,049	3,049	NUM
fsr-3293	168	227	spending	spending	NOUN
fsr-3293	168	228	behavior	behavior	NOUN
fsr-3293	168	229	spending	spend	VERB
fsr-3293	168	230	�	�	PROPN
fsr-3293	168	231	income	income	NOUN
fsr-3293	168	232	10.98	10.98	NUM
fsr-3293	168	233	%	%	NOUN
fsr-3293	168	234	11.02	11.02	NUM
fsr-3293	168	235	%	%	NOUN
fsr-3293	168	236	13.45	13.45	NUM
fsr-3293	168	237	%	%	NOUN
fsr-3293	168	238	spending	spend	VERB
fsr-3293	168	239	�	�	PROPN
fsr-3293	168	240	income	income	NOUN
fsr-3293	168	241	25.56	25.56	NUM
fsr-3293	168	242	%	%	NOUN
fsr-3293	168	243	23.03	23.03	NUM
fsr-3293	168	244	%	%	NOUN
fsr-3293	168	245	26.28	26.28	NUM
fsr-3293	168	246	%	%	NOUN
fsr-3293	168	247	spending	spend	VERB
fsr-3293	168	248	�	�	PROPN
fsr-3293	168	249	income	income	NOUN
fsr-3293	168	250	63.45	63.45	NUM
fsr-3293	168	251	%	%	NOUN
fsr-3293	168	252	65.95	65.95	NUM
fsr-3293	168	253	%	%	NOUN
fsr-3293	168	254	60.27	60.27	NUM
fsr-3293	168	255	%	%	NOUN
fsr-3293	168	256	relationship	relationship	NOUN
fsr-3293	168	257	status	status	NOUN
fsr-3293	168	258	married	marry	VERB
fsr-3293	168	259	53.36	53.36	NUM
fsr-3293	168	260	%	%	NOUN
fsr-3293	168	261	59.00	59.00	NUM
fsr-3293	168	262	%	%	NOUN
fsr-3293	168	263	58.26	58.26	NUM
fsr-3293	168	264	%	%	NOUN
fsr-3293	168	265	single	single	ADJ
fsr-3293	168	266	male	male	NOUN
fsr-3293	168	267	13.42	13.42	NUM
fsr-3293	168	268	%	%	NOUN
fsr-3293	168	269	10.51	10.51	NUM
fsr-3293	168	270	%	%	NOUN
fsr-3293	168	271	12.62	12.62	NUM
fsr-3293	168	272	%	%	NOUN
fsr-3293	168	273	single	single	ADJ
fsr-3293	168	274	female	female	ADJ
fsr-3293	168	275	22.78	22.78	NUM
fsr-3293	168	276	%	%	NOUN
fsr-3293	168	277	25.13	25.13	NUM
fsr-3293	168	278	%	%	NOUN
fsr-3293	168	279	19.44	19.44	NUM
fsr-3293	168	280	%	%	NOUN
fsr-3293	168	281	partner	partner	NOUN
fsr-3293	168	282	10.44	10.44	NUM
fsr-3293	168	283	%	%	NOUN
fsr-3293	168	284	5.36	5.36	NUM
fsr-3293	168	285	%	%	NOUN
fsr-3293	168	286	9.69	9.69	NUM
fsr-3293	168	287	%	%	NOUN
fsr-3293	168	288	racial	racial	ADJ
fsr-3293	168	289	/	/	SYM
fsr-3293	168	290	ethnic	ethnic	ADJ
fsr-3293	168	291	status	status	NOUN
fsr-3293	168	292	white	white	ADJ
fsr-3293	168	293	69.96	69.96	NUM
fsr-3293	168	294	%	%	NOUN
fsr-3293	168	295	73.21	73.21	NUM
fsr-3293	168	296	%	%	NOUN
fsr-3293	168	297	70.07	70.07	NUM
fsr-3293	168	298	%	%	NOUN
fsr-3293	168	299	black	black	ADJ
fsr-3293	168	300	13.96	13.96	NUM
fsr-3293	168	301	%	%	NOUN
fsr-3293	168	302	13.74	13.74	NUM
fsr-3293	168	303	%	%	NOUN
fsr-3293	168	304	13.60	13.60	NUM
fsr-3293	168	305	%	%	NOUN
fsr-3293	168	306	hispanic	hispanic	NOUN
fsr-3293	168	307	11.07	11.07	NUM
fsr-3293	168	308	%	%	NOUN
fsr-3293	168	309	9.60	9.60	NUM
fsr-3293	168	310	%	%	NOUN
fsr-3293	168	311	10.68	10.68	NUM
fsr-3293	168	312	%	%	NOUN
fsr-3293	168	313	other	other	ADJ
fsr-3293	168	314	5.01	5.01	NUM
fsr-3293	168	315	%	%	NOUN
fsr-3293	168	316	3.46	3.46	NUM
fsr-3293	168	317	%	%	NOUN
fsr-3293	168	318	5.65	5.65	NUM
fsr-3293	168	319	%	%	NOUN
fsr-3293	168	320	education	education	NOUN
fsr-3293	168	321	no	no	DET
fsr-3293	168	322	high	high	ADJ
fsr-3293	168	323	school	school	NOUN
fsr-3293	168	324	diploma	diploma	NOUN
fsr-3293	168	325	5.96	5.96	NUM
fsr-3293	168	326	%	%	NOUN
fsr-3293	168	327	8.08	8.08	NUM
fsr-3293	168	328	%	%	NOUN
fsr-3293	168	329	5.51	5.51	NUM
fsr-3293	168	330	%	%	NOUN
fsr-3293	168	331	high	high	ADJ
fsr-3293	168	332	school	school	NOUN
fsr-3293	168	333	20.05	20.05	NUM
fsr-3293	168	334	%	%	NOUN
fsr-3293	168	335	20.74	20.74	NUM
fsr-3293	168	336	%	%	NOUN
fsr-3293	168	337	19.20	19.20	NUM
fsr-3293	168	338	%	%	NOUN
fsr-3293	168	339	some	some	DET
fsr-3293	168	340	college	college	NOUN
fsr-3293	168	341	25.78	25.78	NUM
fsr-3293	168	342	%	%	NOUN
fsr-3293	168	343	26.04	26.04	NUM
fsr-3293	168	344	%	%	NOUN
fsr-3293	168	345	25.76	25.76	NUM
fsr-3293	168	346	%	%	NOUN
fsr-3293	168	347	bachelor	bachelor	NOUN
fsr-3293	168	348	’s	’s	PART
fsr-3293	168	349	28.58	28.58	NUM
fsr-3293	168	350	%	%	NOUN
fsr-3293	168	351	24.79	24.79	NUM
fsr-3293	168	352	%	%	NOUN
fsr-3293	168	353	29.97	29.97	NUM
fsr-3293	168	354	%	%	NOUN
fsr-3293	168	355	graduate	graduate	NOUN
fsr-3293	168	356	19.62	19.62	NUM
fsr-3293	168	357	%	%	NOUN
fsr-3293	168	358	20.36	20.36	NUM
fsr-3293	168	359	%	%	NOUN
fsr-3293	168	360	19.57	19.57	NUM
fsr-3293	168	361	%	%	NOUN
fsr-3293	168	362	have	have	VERB
fsr-3293	168	363	children	child	NOUN
fsr-3293	168	364	�	�	PROPN
fsr-3293	168	365	18	18	NUM
fsr-3293	168	366	years	year	NOUN
fsr-3293	168	367	50.58	50.58	NUM
fsr-3293	168	368	%	%	NOUN
fsr-3293	168	369	35.65	35.65	NUM
fsr-3293	168	370	%	%	NOUN
fsr-3293	168	371	64.27	64.27	NUM
fsr-3293	168	372	%	%	NOUN
fsr-3293	168	373	perceived	perceive	VERB
fsr-3293	168	374	poor	poor	ADJ
fsr-3293	168	375	health	health	NOUN
fsr-3293	168	376	14.74	14.74	NUM
fsr-3293	168	377	%	%	NOUN
fsr-3293	168	378	16.69	16.69	NUM
fsr-3293	168	379	%	%	NOUN
fsr-3293	168	380	14.22	14.22	NUM
fsr-3293	168	381	%	%	NOUN
fsr-3293	168	382	10	10	NUM
fsr-3293	168	383	d.r	d.r	PROPN
fsr-3293	168	384	.	.	PROPN
fsr-3293	168	385	lawson	lawson	PROPN
fsr-3293	168	386	,	,	PUNCT
fsr-3293	168	387	s.j	s.j	PROPN
fsr-3293	168	388	.	.	PROPN
fsr-3293	168	389	heckman	heckman	PROPN
fsr-3293	168	390	/	/	SYM
fsr-3293	168	391	financial	financial	PROPN
fsr-3293	168	392	services	service	NOUN
fsr-3293	168	393	review	review	VERB
fsr-3293	168	394	26	26	NUM
fsr-3293	168	395	(	(	PUNCT
fsr-3293	168	396	2017	2017	NUM
fsr-3293	168	397	)	)	PUNCT
fsr-3293	168	398	1–18	1–18	NUM
fsr-3293	168	399	ownership	ownership	NOUN
fsr-3293	168	400	.	.	PUNCT
fsr-3293	169	1	unmarried	unmarried	ADJ
fsr-3293	169	2	individuals	individual	NOUN
fsr-3293	169	3	have	have	VERB
fsr-3293	169	4	less	less	ADJ
fsr-3293	169	5	financial	financial	ADJ
fsr-3293	169	6	assets	asset	NOUN
fsr-3293	169	7	than	than	ADP
fsr-3293	169	8	their	their	PRON
fsr-3293	169	9	married	married	ADJ
fsr-3293	169	10	counterparts	counterpart	NOUN
fsr-3293	169	11	.	.	PUNCT
fsr-3293	170	1	when	when	SCONJ
fsr-3293	170	2	compared	compare	VERB
fsr-3293	170	3	to	to	ADP
fsr-3293	170	4	white	white	ADJ
fsr-3293	170	5	workers	worker	NOUN
fsr-3293	170	6	,	,	PUNCT
fsr-3293	170	7	non	non	ADJ
fsr-3293	170	8	-	-	ADJ
fsr-3293	170	9	white	white	ADJ
fsr-3293	170	10	workers	worker	NOUN
fsr-3293	170	11	also	also	ADV
fsr-3293	170	12	have	have	VERB
fsr-3293	170	13	less	less	ADJ
fsr-3293	170	14	financial	financial	ADJ
fsr-3293	170	15	assets	asset	NOUN
fsr-3293	170	16	.	.	PUNCT
fsr-3293	171	1	education	education	NOUN
fsr-3293	171	2	is	be	AUX
fsr-3293	171	3	positively	positively	ADV
fsr-3293	171	4	associated	associate	VERB
fsr-3293	171	5	with	with	ADP
fsr-3293	171	6	financial	financial	ADJ
fsr-3293	171	7	assets	asset	NOUN
fsr-3293	171	8	,	,	PUNCT
fsr-3293	171	9	as	as	SCONJ
fsr-3293	171	10	is	be	AUX
fsr-3293	171	11	income	income	NOUN
fsr-3293	171	12	.	.	PUNCT
fsr-3293	172	1	those	those	PRON
fsr-3293	172	2	with	with	ADP
fsr-3293	172	3	minor	minor	ADJ
fsr-3293	172	4	children	child	NOUN
fsr-3293	172	5	and/or	and/or	CCONJ
fsr-3293	172	6	in	in	ADP
fsr-3293	172	7	poor	poor	ADJ
fsr-3293	172	8	health	health	NOUN
fsr-3293	172	9	are	be	AUX
fsr-3293	172	10	found	find	VERB
fsr-3293	172	11	to	to	PART
fsr-3293	172	12	have	have	VERB
fsr-3293	172	13	less	less	ADJ
fsr-3293	172	14	financial	financial	ADJ
fsr-3293	172	15	assets	asset	NOUN
fsr-3293	172	16	than	than	ADP
fsr-3293	172	17	those	those	PRON
fsr-3293	172	18	without	without	ADP
fsr-3293	172	19	children	child	NOUN
fsr-3293	172	20	and	and	CCONJ
fsr-3293	172	21	in	in	ADP
fsr-3293	172	22	good	good	ADJ
fsr-3293	172	23	health	health	NOUN
fsr-3293	172	24	.	.	PUNCT
fsr-3293	173	1	full	full	ADJ
fsr-3293	173	2	-	-	PUNCT
fsr-3293	173	3	time	time	NOUN
fsr-3293	173	4	workers	worker	NOUN
fsr-3293	173	5	that	that	PRON
fsr-3293	173	6	are	be	AUX
fsr-3293	173	7	perceived	perceive	VERB
fsr-3293	173	8	to	to	PART
fsr-3293	173	9	have	have	VERB
fsr-3293	173	10	an	an	DET
fsr-3293	173	11	excellent	excellent	ADJ
fsr-3293	173	12	understanding	understanding	NOUN
fsr-3293	173	13	of	of	ADP
fsr-3293	173	14	the	the	DET
fsr-3293	173	15	scf	scf	PROPN
fsr-3293	173	16	questions	question	NOUN
fsr-3293	173	17	have	have	VERB
fsr-3293	173	18	greater	great	ADJ
fsr-3293	173	19	financial	financial	ADJ
fsr-3293	173	20	assets	asset	NOUN
fsr-3293	173	21	than	than	ADP
fsr-3293	173	22	those	those	PRON
fsr-3293	173	23	with	with	ADP
fsr-3293	173	24	a	a	DET
fsr-3293	173	25	good	good	ADJ
fsr-3293	173	26	understanding	understanding	NOUN
fsr-3293	173	27	of	of	ADP
fsr-3293	173	28	the	the	DET
fsr-3293	173	29	questions	question	NOUN
fsr-3293	173	30	,	,	PUNCT
fsr-3293	173	31	while	while	SCONJ
fsr-3293	173	32	those	those	PRON
fsr-3293	173	33	with	with	ADP
fsr-3293	173	34	a	a	DET
fsr-3293	173	35	poor	poor	ADJ
fsr-3293	173	36	-	-	PUNCT
fsr-3293	173	37	to	to	ADP
fsr-3293	173	38	-	-	PUNCT
fsr-3293	173	39	fair	fair	ADJ
fsr-3293	173	40	understanding	understanding	NOUN
fsr-3293	173	41	of	of	ADP
fsr-3293	173	42	the	the	DET
fsr-3293	173	43	scf	scf	PROPN
fsr-3293	173	44	questions	question	NOUN
fsr-3293	173	45	have	have	VERB
fsr-3293	173	46	less	less	ADJ
fsr-3293	173	47	financial	financial	ADJ
fsr-3293	173	48	assets	asset	NOUN
fsr-3293	173	49	than	than	SCONJ
fsr-3293	173	50	do	do	VERB
fsr-3293	173	51	respondents	respondent	NOUN
fsr-3293	173	52	who	who	PRON
fsr-3293	173	53	have	have	VERB
fsr-3293	173	54	a	a	DET
fsr-3293	173	55	good	good	ADJ
fsr-3293	173	56	understanding	understanding	NOUN
fsr-3293	173	57	of	of	ADP
fsr-3293	173	58	the	the	DET
fsr-3293	173	59	questions	question	NOUN
fsr-3293	173	60	.	.	PUNCT
fsr-3293	174	1	workers	worker	NOUN
fsr-3293	174	2	with	with	ADP
fsr-3293	174	3	a	a	DET
fsr-3293	174	4	retirement	retirement	NOUN
fsr-3293	174	5	plan	plan	NOUN
fsr-3293	174	6	and	and	CCONJ
fsr-3293	174	7	access	access	NOUN
fsr-3293	174	8	to	to	ADP
fsr-3293	174	9	$	$	SYM
fsr-3293	174	10	3,000	3,000	NUM
fsr-3293	174	11	are	be	AUX
fsr-3293	174	12	found	find	VERB
fsr-3293	174	13	to	to	PART
fsr-3293	174	14	have	have	VERB
fsr-3293	174	15	a	a	DET
fsr-3293	174	16	positive	positive	ADJ
fsr-3293	174	17	association	association	NOUN
fsr-3293	174	18	with	with	ADP
fsr-3293	174	19	financial	financial	ADJ
fsr-3293	174	20	assets	asset	NOUN
fsr-3293	174	21	,	,	PUNCT
fsr-3293	174	22	too	too	ADV
fsr-3293	174	23	.	.	PUNCT
fsr-3293	175	1	finally	finally	ADV
fsr-3293	175	2	,	,	PUNCT
fsr-3293	175	3	those	those	PRON
fsr-3293	175	4	that	that	PRON
fsr-3293	175	5	have	have	AUX
fsr-3293	175	6	planning	plan	VERB
fsr-3293	175	7	horizons	horizon	NOUN
fsr-3293	175	8	of	of	ADP
fsr-3293	175	9	less	less	ADJ
fsr-3293	175	10	than	than	ADP
fsr-3293	175	11	10	10	NUM
fsr-3293	175	12	years	year	NOUN
fsr-3293	175	13	are	be	AUX
fsr-3293	175	14	less	less	ADV
fsr-3293	175	15	likely	likely	ADJ
fsr-3293	175	16	to	to	PART
fsr-3293	175	17	accumulate	accumulate	VERB
fsr-3293	175	18	financial	financial	ADJ
fsr-3293	175	19	assets	asset	NOUN
fsr-3293	175	20	compared	compare	VERB
fsr-3293	175	21	with	with	ADP
fsr-3293	175	22	those	those	PRON
fsr-3293	175	23	who	who	PRON
fsr-3293	175	24	plan	plan	VERB
fsr-3293	175	25	for	for	ADP
fsr-3293	175	26	the	the	DET
fsr-3293	175	27	long	long	ADJ
fsr-3293	175	28	term	term	NOUN
fsr-3293	175	29	.	.	PUNCT
fsr-3293	176	1	there	there	PRON
fsr-3293	176	2	are	be	VERB
fsr-3293	176	3	some	some	DET
fsr-3293	176	4	slight	slight	ADJ
fsr-3293	176	5	differences	difference	NOUN
fsr-3293	176	6	in	in	ADP
fsr-3293	176	7	the	the	DET
fsr-3293	176	8	secondary	secondary	ADJ
fsr-3293	176	9	analysis	analysis	NOUN
fsr-3293	176	10	where	where	SCONJ
fsr-3293	176	11	the	the	DET
fsr-3293	176	12	sample	sample	NOUN
fsr-3293	176	13	is	be	AUX
fsr-3293	176	14	split	split	VERB
fsr-3293	176	15	into	into	ADP
fsr-3293	176	16	those	those	PRON
fsr-3293	176	17	who	who	PRON
fsr-3293	176	18	are	be	AUX
fsr-3293	176	19	near	near	ADP
fsr-3293	176	20	retirement	retirement	NOUN
fsr-3293	176	21	(	(	PUNCT
fsr-3293	176	22	within	within	ADP
fsr-3293	176	23	10	10	NUM
fsr-3293	176	24	years	year	NOUN
fsr-3293	176	25	)	)	PUNCT
fsr-3293	176	26	and	and	CCONJ
fsr-3293	176	27	those	those	PRON
fsr-3293	176	28	who	who	PRON
fsr-3293	176	29	are	be	AUX
fsr-3293	176	30	far	far	ADV
fsr-3293	176	31	from	from	ADP
fsr-3293	176	32	retirement	retirement	NOUN
fsr-3293	176	33	(	(	PUNCT
fsr-3293	176	34	more	more	ADJ
fsr-3293	176	35	than	than	ADP
fsr-3293	176	36	10	10	NUM
fsr-3293	176	37	years	year	NOUN
fsr-3293	176	38	)	)	PUNCT
fsr-3293	176	39	.	.	PUNCT
fsr-3293	177	1	rle	rle	PROPN
fsr-3293	177	2	and	and	CCONJ
fsr-3293	177	3	rwle	rwle	NOUN
fsr-3293	177	4	are	be	AUX
fsr-3293	177	5	not	not	PART
fsr-3293	177	6	significantly	significantly	ADV
fsr-3293	177	7	associated	associate	VERB
fsr-3293	177	8	with	with	ADP
fsr-3293	177	9	financial	financial	ADJ
fsr-3293	177	10	assets	asset	NOUN
fsr-3293	177	11	for	for	ADP
fsr-3293	177	12	those	those	PRON
fsr-3293	177	13	who	who	PRON
fsr-3293	177	14	expect	expect	VERB
fsr-3293	177	15	to	to	PART
fsr-3293	177	16	retire	retire	VERB
fsr-3293	177	17	within	within	ADP
fsr-3293	177	18	10	10	NUM
fsr-3293	177	19	years	year	NOUN
fsr-3293	177	20	.	.	PUNCT
fsr-3293	178	1	however	however	ADV
fsr-3293	178	2	,	,	PUNCT
fsr-3293	178	3	rle	rle	PROPN
fsr-3293	178	4	and	and	CCONJ
fsr-3293	178	5	rwle	rwle	NOUN
fsr-3293	178	6	are	be	AUX
fsr-3293	178	7	significant	significant	ADJ
fsr-3293	178	8	in	in	ADP
fsr-3293	178	9	determining	determine	VERB
fsr-3293	178	10	financial	financial	ADJ
fsr-3293	178	11	assets	asset	NOUN
fsr-3293	178	12	for	for	ADP
fsr-3293	178	13	respondents	respondent	NOUN
fsr-3293	178	14	that	that	PRON
fsr-3293	178	15	expect	expect	VERB
fsr-3293	178	16	to	to	PART
fsr-3293	178	17	retire	retire	VERB
fsr-3293	178	18	beyond	beyond	ADP
fsr-3293	178	19	10	10	NUM
fsr-3293	178	20	years	year	NOUN
fsr-3293	178	21	.	.	PUNCT
fsr-3293	179	1	again	again	ADV
fsr-3293	179	2	,	,	PUNCT
fsr-3293	179	3	results	result	NOUN
fsr-3293	179	4	seem	seem	VERB
fsr-3293	179	5	odd	odd	ADJ
fsr-3293	179	6	for	for	ADP
fsr-3293	179	7	rle	rle	NOUN
fsr-3293	179	8	,	,	PUNCT
fsr-3293	179	9	as	as	SCONJ
fsr-3293	179	10	an	an	DET
fsr-3293	179	11	increase	increase	NOUN
fsr-3293	179	12	of	of	ADP
fsr-3293	179	13	rle	rle	NOUN
fsr-3293	179	14	by	by	ADP
fsr-3293	179	15	one	one	NUM
fsr-3293	179	16	year	year	NOUN
fsr-3293	179	17	is	be	AUX
fsr-3293	179	18	associated	associate	VERB
fsr-3293	179	19	with	with	ADP
fsr-3293	179	20	a	a	DET
fsr-3293	179	21	decrease	decrease	NOUN
fsr-3293	179	22	in	in	ADP
fsr-3293	179	23	financial	financial	ADJ
fsr-3293	179	24	assets	asset	NOUN
fsr-3293	179	25	by	by	ADP
fsr-3293	179	26	2	2	NUM
fsr-3293	179	27	%	%	NOUN
fsr-3293	179	28	(	(	PUNCT
fsr-3293	179	29	b	b	PROPN
fsr-3293	179	30	�	�	PROPN
fsr-3293	179	31	�	�	PROPN
fsr-3293	179	32	0.02	0.02	NUM
fsr-3293	179	33	,	,	PUNCT
fsr-3293	179	34	se	se	X
fsr-3293	179	35	�	�	PROPN
fsr-3293	179	36	0.01	0.01	NUM
fsr-3293	179	37	,	,	PUNCT
fsr-3293	179	38	p	p	PROPN
fsr-3293	179	39	�	�	PROPN
fsr-3293	179	40	0.01	0.01	NUM
fsr-3293	179	41	)	)	PUNCT
fsr-3293	179	42	.	.	PUNCT
fsr-3293	180	1	an	an	DET
fsr-3293	180	2	increase	increase	NOUN
fsr-3293	180	3	in	in	ADP
fsr-3293	180	4	rwle	rwle	NOUN
fsr-3293	180	5	by	by	ADP
fsr-3293	180	6	one	one	NUM
fsr-3293	180	7	more	more	ADJ
fsr-3293	180	8	working	working	NOUN
fsr-3293	180	9	year	year	NOUN
fsr-3293	180	10	results	result	VERB
fsr-3293	180	11	in	in	ADP
fsr-3293	180	12	a	a	DET
fsr-3293	180	13	3	3	NUM
fsr-3293	180	14	%	%	NOUN
fsr-3293	180	15	decrease	decrease	NOUN
fsr-3293	180	16	in	in	ADP
fsr-3293	180	17	financial	financial	ADJ
fsr-3293	180	18	assets	asset	NOUN
fsr-3293	180	19	(	(	PUNCT
fsr-3293	180	20	b	b	PROPN
fsr-3293	180	21	�	�	PROPN
fsr-3293	180	22	�	�	PROPN
fsr-3293	180	23	0.03	0.03	NUM
fsr-3293	180	24	,	,	PUNCT
fsr-3293	180	25	se	se	X
fsr-3293	180	26	�	�	PROPN
fsr-3293	180	27	0.01	0.01	NUM
fsr-3293	180	28	,	,	PUNCT
fsr-3293	180	29	p	p	PROPN
fsr-3293	180	30	�	�	PROPN
fsr-3293	180	31	0.01	0.01	NUM
fsr-3293	180	32	)	)	PUNCT
fsr-3293	180	33	.	.	PUNCT
fsr-3293	181	1	3.2.2	3.2.2	NUM
fsr-3293	181	2	.	.	PUNCT
fsr-3293	181	3	credit	credit	NOUN
fsr-3293	181	4	card	card	NOUN
fsr-3293	181	5	debt	debt	NOUN
fsr-3293	181	6	among	among	ADP
fsr-3293	181	7	credit	credit	NOUN
fsr-3293	181	8	card	card	NOUN
fsr-3293	181	9	holders	holder	NOUN
fsr-3293	181	10	,	,	PUNCT
fsr-3293	181	11	rle	rle	PROPN
fsr-3293	181	12	and	and	CCONJ
fsr-3293	181	13	rwle	rwle	NOUN
fsr-3293	181	14	have	have	VERB
fsr-3293	181	15	no	no	DET
fsr-3293	181	16	significant	significant	ADJ
fsr-3293	181	17	effect	effect	NOUN
fsr-3293	181	18	on	on	ADP
fsr-3293	181	19	outstanding	outstanding	ADJ
fsr-3293	181	20	credit	credit	NOUN
fsr-3293	181	21	card	card	NOUN
fsr-3293	181	22	balance	balance	NOUN
fsr-3293	181	23	.	.	PUNCT
fsr-3293	182	1	home	home	NOUN
fsr-3293	182	2	ownership	ownership	NOUN
fsr-3293	182	3	is	be	AUX
fsr-3293	182	4	positively	positively	ADV
fsr-3293	182	5	associated	associate	VERB
fsr-3293	182	6	with	with	ADP
fsr-3293	182	7	the	the	DET
fsr-3293	182	8	amount	amount	NOUN
fsr-3293	182	9	of	of	ADP
fsr-3293	182	10	credit	credit	NOUN
fsr-3293	182	11	card	card	NOUN
fsr-3293	182	12	debt	debt	NOUN
fsr-3293	182	13	held	hold	VERB
fsr-3293	182	14	.	.	PUNCT
fsr-3293	183	1	single	single	ADJ
fsr-3293	183	2	males	male	NOUN
fsr-3293	183	3	hold	hold	VERB
fsr-3293	183	4	less	less	ADJ
fsr-3293	183	5	amounts	amount	NOUN
fsr-3293	183	6	of	of	ADP
fsr-3293	183	7	credit	credit	NOUN
fsr-3293	183	8	card	card	NOUN
fsr-3293	183	9	debt	debt	NOUN
fsr-3293	183	10	when	when	SCONJ
fsr-3293	183	11	compared	compare	VERB
fsr-3293	183	12	to	to	ADP
fsr-3293	183	13	their	their	PRON
fsr-3293	183	14	married	married	ADJ
fsr-3293	183	15	counterparts	counterpart	NOUN
fsr-3293	183	16	.	.	PUNCT
fsr-3293	184	1	compared	compare	VERB
fsr-3293	184	2	to	to	ADP
fsr-3293	184	3	white	white	ADJ
fsr-3293	184	4	households	household	NOUN
fsr-3293	184	5	,	,	PUNCT
fsr-3293	184	6	households	household	NOUN
fsr-3293	184	7	of	of	ADP
fsr-3293	184	8	other	other	ADJ
fsr-3293	184	9	races	race	NOUN
fsr-3293	184	10	and	and	CCONJ
fsr-3293	184	11	ethnicities	ethnicity	NOUN
fsr-3293	184	12	table	table	VERB
fsr-3293	184	13	1	1	NUM
fsr-3293	184	14	(	(	PUNCT
fsr-3293	184	15	continued	continue	VERB
fsr-3293	184	16	)	)	PUNCT
fsr-3293	184	17	full	full	ADJ
fsr-3293	184	18	model	model	NOUN
fsr-3293	184	19	0–10	0–10	PROPN
fsr-3293	184	20	years	year	NOUN
fsr-3293	184	21	11	11	NUM
fsr-3293	184	22	�	�	NOUN
fsr-3293	184	23	years	year	NOUN
fsr-3293	184	24	(	(	PUNCT
fsr-3293	184	25	n	n	X
fsr-3293	184	26	�	�	PROPN
fsr-3293	184	27	2,632	2,632	NUM
fsr-3293	184	28	)	)	PUNCT
fsr-3293	184	29	(	(	PUNCT
fsr-3293	184	30	n	n	X
fsr-3293	184	31	�	�	PROPN
fsr-3293	184	32	617	617	NUM
fsr-3293	184	33	)	)	PUNCT
fsr-3293	184	34	(	(	PUNCT
fsr-3293	184	35	n	n	X
fsr-3293	184	36	�	�	PROPN
fsr-3293	184	37	1,212	1,212	NUM
fsr-3293	184	38	)	)	PUNCT
fsr-3293	184	39	variable	variable	NOUN
fsr-3293	184	40	(	(	PUNCT
fsr-3293	184	41	reference	reference	NOUN
fsr-3293	184	42	group	group	NOUN
fsr-3293	184	43	)	)	PUNCT
fsr-3293	184	44	m/%	m/%	PROPN
fsr-3293	184	45	sd	sd	ADP
fsr-3293	184	46	m/%	m/%	PROPN
fsr-3293	184	47	sd	sd	ADP
fsr-3293	184	48	m/%	m/%	PROPN
fsr-3293	184	49	sd	sd	ADP
fsr-3293	184	50	understanding	understanding	NOUN
fsr-3293	184	51	of	of	ADP
fsr-3293	184	52	scf	scf	PROPN
fsr-3293	184	53	’s	’s	PART
fsr-3293	184	54	poor	poor	ADJ
fsr-3293	184	55	/	/	SYM
fsr-3293	184	56	fair	fair	ADJ
fsr-3293	184	57	6.36	6.36	NUM
fsr-3293	184	58	%	%	NOUN
fsr-3293	184	59	6.45	6.45	NUM
fsr-3293	184	60	%	%	NOUN
fsr-3293	184	61	5.02	5.02	NUM
fsr-3293	184	62	%	%	NOUN
fsr-3293	184	63	good	good	ADJ
fsr-3293	184	64	45.37	45.37	NUM
fsr-3293	184	65	%	%	NOUN
fsr-3293	184	66	45.61	45.61	NUM
fsr-3293	184	67	%	%	NOUN
fsr-3293	184	68	44.32	44.32	NUM
fsr-3293	184	69	%	%	NOUN
fsr-3293	184	70	excellent	excellent	ADJ
fsr-3293	184	71	48.27	48.27	NUM
fsr-3293	184	72	%	%	NOUN
fsr-3293	184	73	47.94	47.94	NUM
fsr-3293	184	74	%	%	NOUN
fsr-3293	184	75	50.66	50.66	NUM
fsr-3293	184	76	%	%	NOUN
fsr-3293	184	77	has	have	VERB
fsr-3293	184	78	retirement	retirement	NOUN
fsr-3293	184	79	plan	plan	NOUN
fsr-3293	184	80	58.98	58.98	NUM
fsr-3293	184	81	%	%	NOUN
fsr-3293	184	82	69.21	69.21	NUM
fsr-3293	184	83	%	%	NOUN
fsr-3293	184	84	60.54	60.54	NUM
fsr-3293	184	85	%	%	NOUN
fsr-3293	184	86	has	have	VERB
fsr-3293	184	87	access	access	NOUN
fsr-3293	184	88	to	to	ADP
fsr-3293	184	89	$	$	SYM
fsr-3293	184	90	3,000	3,000	NUM
fsr-3293	184	91	72.71	72.71	NUM
fsr-3293	184	92	%	%	NOUN
fsr-3293	184	93	74.80	74.80	NUM
fsr-3293	184	94	%	%	NOUN
fsr-3293	184	95	71.31	71.31	NUM
fsr-3293	184	96	%	%	NOUN
fsr-3293	184	97	planning	planning	NOUN
fsr-3293	184	98	horizon	horizon	NOUN
fsr-3293	184	99	short	short	ADJ
fsr-3293	184	100	35.49	35.49	NUM
fsr-3293	184	101	%	%	NOUN
fsr-3293	184	102	31.54	31.54	NUM
fsr-3293	184	103	%	%	NOUN
fsr-3293	184	104	34.59	34.59	NUM
fsr-3293	184	105	%	%	NOUN
fsr-3293	184	106	intermediate	intermediate	ADJ
fsr-3293	184	107	49.89	49.89	NUM
fsr-3293	184	108	%	%	NOUN
fsr-3293	184	109	55.50	55.50	NUM
fsr-3293	184	110	%	%	NOUN
fsr-3293	184	111	49.25	49.25	NUM
fsr-3293	184	112	%	%	NOUN
fsr-3293	184	113	long	long	ADJ
fsr-3293	184	114	14.63	14.63	NUM
fsr-3293	184	115	%	%	NOUN
fsr-3293	184	116	12.95	12.95	NUM
fsr-3293	184	117	%	%	NOUN
fsr-3293	184	118	16.17	16.17	NUM
fsr-3293	184	119	%	%	NOUN
fsr-3293	184	120	source	source	NOUN
fsr-3293	184	121	:	:	PUNCT
fsr-3293	184	122	weighted	weight	VERB
fsr-3293	184	123	analysis	analysis	NOUN
fsr-3293	184	124	of	of	ADP
fsr-3293	184	125	the	the	DET
fsr-3293	184	126	2013	2013	NUM
fsr-3293	184	127	survey	survey	NOUN
fsr-3293	184	128	of	of	ADP
fsr-3293	184	129	consumer	consumer	NOUN
fsr-3293	184	130	finances	finance	NOUN
fsr-3293	184	131	.	.	PUNCT
fsr-3293	185	1	note	note	NOUN
fsr-3293	185	2	:	:	PUNCT
fsr-3293	185	3	analysis	analysis	NOUN
fsr-3293	185	4	includes	include	VERB
fsr-3293	185	5	only	only	ADV
fsr-3293	185	6	those	those	PRON
fsr-3293	185	7	that	that	PRON
fsr-3293	185	8	are	be	AUX
fsr-3293	185	9	full	full	ADJ
fsr-3293	185	10	-	-	PUNCT
fsr-3293	185	11	time	time	NOUN
fsr-3293	185	12	,	,	PUNCT
fsr-3293	185	13	expect	expect	VERB
fsr-3293	185	14	to	to	PART
fsr-3293	185	15	retire	retire	VERB
fsr-3293	185	16	,	,	PUNCT
fsr-3293	185	17	and	and	CCONJ
fsr-3293	185	18	have	have	VERB
fsr-3293	185	19	a	a	DET
fsr-3293	185	20	retirement	retirement	NOUN
fsr-3293	185	21	life	life	NOUN
fsr-3293	185	22	expectancy	expectancy	NOUN
fsr-3293	185	23	greater	great	ADJ
fsr-3293	185	24	than	than	ADP
fsr-3293	185	25	zero	zero	NUM
fsr-3293	185	26	.	.	PUNCT
fsr-3293	186	1	a	a	DET
fsr-3293	186	2	results	result	NOUN
fsr-3293	186	3	are	be	AUX
fsr-3293	186	4	reported	report	VERB
fsr-3293	186	5	as	as	ADP
fsr-3293	186	6	the	the	DET
fsr-3293	186	7	median	median	NOUN
fsr-3293	186	8	.	.	PUNCT
fsr-3293	187	1	b	b	NOUN
fsr-3293	187	2	reported	report	VERB
fsr-3293	187	3	as	as	ADV
fsr-3293	187	4	mean	mean	ADJ
fsr-3293	187	5	because	because	SCONJ
fsr-3293	187	6	of	of	ADP
fsr-3293	187	7	the	the	DET
fsr-3293	187	8	median	median	NOUN
fsr-3293	187	9	equaling	equal	VERB
fsr-3293	187	10	zero	zero	NUM
fsr-3293	187	11	.	.	PUNCT
fsr-3293	188	1	11d.r	11d.r	NUM
fsr-3293	188	2	.	.	PUNCT
fsr-3293	189	1	lawson	lawson	PROPN
fsr-3293	189	2	,	,	PUNCT
fsr-3293	189	3	s.j	s.j	PROPN
fsr-3293	189	4	.	.	PROPN
fsr-3293	189	5	heckman	heckman	PROPN
fsr-3293	189	6	/	/	SYM
fsr-3293	189	7	financial	financial	PROPN
fsr-3293	189	8	services	service	NOUN
fsr-3293	189	9	review	review	VERB
fsr-3293	189	10	26	26	NUM
fsr-3293	189	11	(	(	PUNCT
fsr-3293	189	12	2017	2017	NUM
fsr-3293	189	13	)	)	PUNCT
fsr-3293	189	14	1–18	1–18	PROPN
fsr-3293	189	15	(	(	PUNCT
fsr-3293	189	16	e.g.	e.g.	ADJ
fsr-3293	189	17	,	,	PUNCT
fsr-3293	189	18	asian	asian	ADJ
fsr-3293	189	19	,	,	PUNCT
fsr-3293	189	20	native	native	ADJ
fsr-3293	189	21	american	american	PROPN
fsr-3293	189	22	,	,	PUNCT
fsr-3293	189	23	etc	etc	X
fsr-3293	189	24	.	.	X
fsr-3293	189	25	)	)	PUNCT
fsr-3293	189	26	have	have	VERB
fsr-3293	189	27	lower	low	ADJ
fsr-3293	189	28	balances	balance	NOUN
fsr-3293	189	29	and	and	CCONJ
fsr-3293	189	30	hispanic	hispanic	ADJ
fsr-3293	189	31	households	household	NOUN
fsr-3293	189	32	have	have	VERB
fsr-3293	189	33	higher	high	ADJ
fsr-3293	189	34	balances	balance	NOUN
fsr-3293	189	35	.	.	PUNCT
fsr-3293	190	1	more	more	ADV
fsr-3293	190	2	educated	educate	VERB
fsr-3293	190	3	workers	worker	NOUN
fsr-3293	190	4	hold	hold	VERB
fsr-3293	190	5	more	more	ADJ
fsr-3293	190	6	credit	credit	NOUN
fsr-3293	190	7	card	card	NOUN
fsr-3293	190	8	debt	debt	NOUN
fsr-3293	190	9	than	than	SCONJ
fsr-3293	190	10	did	do	VERB
fsr-3293	190	11	their	their	PRON
fsr-3293	190	12	peers	peer	NOUN
fsr-3293	190	13	(	(	PUNCT
fsr-3293	190	14	with	with	ADP
fsr-3293	190	15	the	the	DET
fsr-3293	190	16	exception	exception	NOUN
fsr-3293	190	17	of	of	ADP
fsr-3293	190	18	those	those	PRON
fsr-3293	190	19	having	have	VERB
fsr-3293	190	20	a	a	DET
fsr-3293	190	21	graduate	graduate	NOUN
fsr-3293	190	22	degree	degree	NOUN
fsr-3293	190	23	)	)	PUNCT
fsr-3293	190	24	.	.	PUNCT
fsr-3293	191	1	those	those	PRON
fsr-3293	191	2	who	who	PRON
fsr-3293	191	3	are	be	AUX
fsr-3293	191	4	in	in	ADP
fsr-3293	191	5	worse	bad	ADJ
fsr-3293	191	6	health	health	NOUN
fsr-3293	191	7	have	have	VERB
fsr-3293	191	8	less	less	ADJ
fsr-3293	191	9	credit	credit	NOUN
fsr-3293	191	10	card	card	NOUN
fsr-3293	191	11	debt	debt	NOUN
fsr-3293	191	12	,	,	PUNCT
fsr-3293	191	13	and	and	CCONJ
fsr-3293	191	14	those	those	PRON
fsr-3293	191	15	who	who	PRON
fsr-3293	191	16	have	have	VERB
fsr-3293	191	17	a	a	DET
fsr-3293	191	18	retirement	retirement	NOUN
fsr-3293	191	19	plan	plan	NOUN
fsr-3293	191	20	have	have	VERB
fsr-3293	191	21	more	more	ADJ
fsr-3293	191	22	credit	credit	NOUN
fsr-3293	191	23	card	card	NOUN
fsr-3293	191	24	debt	debt	NOUN
fsr-3293	191	25	than	than	ADP
fsr-3293	191	26	those	those	PRON
fsr-3293	191	27	who	who	PRON
fsr-3293	191	28	did	do	AUX
fsr-3293	191	29	not	not	PART
fsr-3293	191	30	have	have	VERB
fsr-3293	191	31	a	a	DET
fsr-3293	191	32	retirement	retirement	NOUN
fsr-3293	191	33	plan	plan	NOUN
fsr-3293	191	34	at	at	ADP
fsr-3293	191	35	work	work	NOUN
fsr-3293	191	36	.	.	PUNCT
fsr-3293	192	1	lastly	lastly	ADV
fsr-3293	192	2	,	,	PUNCT
fsr-3293	192	3	workers	worker	NOUN
fsr-3293	192	4	with	with	ADP
fsr-3293	192	5	shorter	short	ADJ
fsr-3293	192	6	planning	planning	NOUN
fsr-3293	192	7	horizons	horizon	NOUN
fsr-3293	192	8	hold	hold	VERB
fsr-3293	192	9	more	more	ADJ
fsr-3293	192	10	credit	credit	NOUN
fsr-3293	192	11	card	card	NOUN
fsr-3293	192	12	debt	debt	NOUN
fsr-3293	192	13	than	than	SCONJ
fsr-3293	192	14	do	do	VERB
fsr-3293	192	15	their	their	PRON
fsr-3293	192	16	counterparts	counterpart	NOUN
fsr-3293	192	17	with	with	ADP
fsr-3293	192	18	longer	long	ADJ
fsr-3293	192	19	planning	planning	NOUN
fsr-3293	192	20	horizons	horizon	NOUN
fsr-3293	192	21	.	.	PUNCT
fsr-3293	193	1	similar	similar	ADJ
fsr-3293	193	2	results	result	NOUN
fsr-3293	193	3	are	be	AUX
fsr-3293	193	4	found	find	VERB
fsr-3293	193	5	in	in	ADP
fsr-3293	193	6	the	the	DET
fsr-3293	193	7	secondary	secondary	ADJ
fsr-3293	193	8	analysis	analysis	NOUN
fsr-3293	193	9	—	—	PUNCT
fsr-3293	193	10	rle	rle	NOUN
fsr-3293	193	11	and	and	CCONJ
fsr-3293	193	12	rwle	rwle	NOUN
fsr-3293	193	13	are	be	AUX
fsr-3293	193	14	not	not	PART
fsr-3293	193	15	significantly	significantly	ADV
fsr-3293	193	16	associated	associate	VERB
fsr-3293	193	17	with	with	ADP
fsr-3293	193	18	credit	credit	NOUN
fsr-3293	193	19	card	card	NOUN
fsr-3293	193	20	balances	balance	NOUN
fsr-3293	193	21	for	for	ADP
fsr-3293	193	22	respondents	respondent	NOUN
fsr-3293	193	23	near	near	ADV
fsr-3293	193	24	or	or	CCONJ
fsr-3293	193	25	far	far	ADV
fsr-3293	193	26	from	from	ADP
fsr-3293	193	27	retirement	retirement	NOUN
fsr-3293	193	28	.	.	PUNCT
fsr-3293	194	1	table	table	NOUN
fsr-3293	194	2	2	2	NUM
fsr-3293	194	3	ols	ol	NOUN
fsr-3293	194	4	regressions	regression	NOUN
fsr-3293	194	5	on	on	ADP
fsr-3293	194	6	the	the	DET
fsr-3293	194	7	log	log	NOUN
fsr-3293	194	8	of	of	ADP
fsr-3293	194	9	financial	financial	ADJ
fsr-3293	194	10	assets	asset	NOUN
fsr-3293	194	11	,	,	PUNCT
fsr-3293	194	12	full	full	ADJ
fsr-3293	194	13	sample	sample	NOUN
fsr-3293	194	14	of	of	ADP
fsr-3293	194	15	full	full	ADJ
fsr-3293	194	16	-	-	PUNCT
fsr-3293	194	17	time	time	NOUN
fsr-3293	194	18	workers	worker	NOUN
fsr-3293	194	19	,	,	PUNCT
fsr-3293	194	20	sample	sample	NOUN
fsr-3293	194	21	of	of	ADP
fsr-3293	194	22	those	those	PRON
fsr-3293	194	23	near	near	ADP
fsr-3293	194	24	retirement	retirement	NOUN
fsr-3293	194	25	,	,	PUNCT
fsr-3293	194	26	and	and	CCONJ
fsr-3293	194	27	sample	sample	NOUN
fsr-3293	194	28	of	of	ADP
fsr-3293	194	29	those	those	DET
fsr-3293	194	30	more	more	ADJ
fsr-3293	194	31	than	than	ADP
fsr-3293	194	32	10	10	NUM
fsr-3293	194	33	years	year	NOUN
fsr-3293	194	34	from	from	ADP
fsr-3293	194	35	retirement	retirement	NOUN
fsr-3293	194	36	full	full	ADJ
fsr-3293	194	37	model	model	NOUN
fsr-3293	194	38	0–10	0–10	PROPN
fsr-3293	194	39	years	year	NOUN
fsr-3293	194	40	11	11	NUM
fsr-3293	194	41	�	�	NOUN
fsr-3293	194	42	years	year	NOUN
fsr-3293	194	43	(	(	PUNCT
fsr-3293	194	44	n	n	X
fsr-3293	194	45	�	�	PROPN
fsr-3293	194	46	2,632	2,632	NUM
fsr-3293	194	47	)	)	PUNCT
fsr-3293	194	48	(	(	PUNCT
fsr-3293	194	49	n	n	X
fsr-3293	194	50	�	�	PROPN
fsr-3293	194	51	617	617	NUM
fsr-3293	194	52	)	)	PUNCT
fsr-3293	194	53	(	(	PUNCT
fsr-3293	194	54	n	n	X
fsr-3293	194	55	�	�	PROPN
fsr-3293	194	56	1,212	1,212	NUM
fsr-3293	194	57	)	)	PUNCT
fsr-3293	194	58	variables	variable	NOUN
fsr-3293	194	59	(	(	PUNCT
fsr-3293	194	60	reference	reference	NOUN
fsr-3293	194	61	group	group	NOUN
fsr-3293	194	62	)	)	PUNCT
fsr-3293	194	63	b	b	PROPN
fsr-3293	194	64	se	se	X
fsr-3293	194	65	.	.	PUNCT
fsr-3293	195	1	b	b	X
fsr-3293	195	2	p	p	X
fsr-3293	195	3	b	b	PROPN
fsr-3293	195	4	se	se	X
fsr-3293	195	5	.	.	PUNCT
fsr-3293	196	1	b	b	X
fsr-3293	196	2	p	p	X
fsr-3293	196	3	b	b	PROPN
fsr-3293	196	4	se	se	X
fsr-3293	196	5	.	.	PUNCT
fsr-3293	197	1	b	b	X
fsr-3293	197	2	p	p	NOUN
fsr-3293	197	3	retirement	retirement	NOUN
fsr-3293	197	4	life	life	NOUN
fsr-3293	197	5	expectancy	expectancy	NOUN
fsr-3293	197	6	�	�	NOUN
fsr-3293	197	7	0.01	0.01	NUM
fsr-3293	197	8	(	(	PUNCT
fsr-3293	197	9	0.00	0.00	NUM
fsr-3293	197	10	)	)	PUNCT
fsr-3293	197	11	�	�	NOUN
fsr-3293	197	12	.001	.001	NUM
fsr-3293	197	13	0.01	0.01	NUM
fsr-3293	197	14	(	(	PUNCT
fsr-3293	197	15	0.01	0.01	NUM
fsr-3293	197	16	)	)	PUNCT
fsr-3293	197	17	0.408	0.408	NUM
fsr-3293	197	18	�	�	PROPN
fsr-3293	197	19	0.02	0.02	NUM
fsr-3293	197	20	(	(	PUNCT
fsr-3293	197	21	0.01	0.01	NUM
fsr-3293	197	22	)	)	PUNCT
fsr-3293	197	23	0.007	0.007	NUM
fsr-3293	197	24	remaining	remain	VERB
fsr-3293	197	25	work	work	NOUN
fsr-3293	197	26	life	life	NOUN
fsr-3293	197	27	expectancy	expectancy	NOUN
fsr-3293	197	28	�	�	NOUN
fsr-3293	197	29	0.04	0.04	NUM
fsr-3293	197	30	(	(	PUNCT
fsr-3293	197	31	0.00	0.00	NUM
fsr-3293	197	32	)	)	PUNCT
fsr-3293	197	33	�	�	PROPN
fsr-3293	197	34	.001	.001	NUM
fsr-3293	197	35	�	�	PROPN
fsr-3293	197	36	0.02	0.02	NUM
fsr-3293	197	37	(	(	PUNCT
fsr-3293	197	38	0.03	0.03	NUM
fsr-3293	197	39	)	)	PUNCT
fsr-3293	197	40	0.499	0.499	NUM
fsr-3293	197	41	�	�	NOUN
fsr-3293	197	42	0.03	0.03	NUM
fsr-3293	197	43	(	(	PUNCT
fsr-3293	197	44	0.01	0.01	NUM
fsr-3293	197	45	)	)	PUNCT
fsr-3293	197	46	0.004	0.004	NUM
fsr-3293	197	47	own	own	ADJ
fsr-3293	197	48	’s	’s	NOUN
fsr-3293	197	49	home	home	NOUN
fsr-3293	197	50	0.79	0.79	NUM
fsr-3293	197	51	(	(	PUNCT
fsr-3293	197	52	0.10	0.10	NUM
fsr-3293	197	53	)	)	PUNCT
fsr-3293	197	54	�	�	PROPN
fsr-3293	197	55	.001	.001	NUM
fsr-3293	197	56	0.53	0.53	NUM
fsr-3293	197	57	(	(	PUNCT
fsr-3293	197	58	0.23	0.23	NUM
fsr-3293	197	59	)	)	PUNCT
fsr-3293	197	60	0.020	0.020	NUM
fsr-3293	197	61	0.95	0.95	NUM
fsr-3293	197	62	(	(	PUNCT
fsr-3293	197	63	0.14	0.14	NUM
fsr-3293	197	64	)	)	PUNCT
fsr-3293	197	65	�	�	PROPN
fsr-3293	197	66	.001	.001	NUM
fsr-3293	197	67	bequest	bequest	NOUN
fsr-3293	197	68	motive	motive	NOUN
fsr-3293	197	69	0.52	0.52	NUM
fsr-3293	197	70	(	(	PUNCT
fsr-3293	197	71	0.07	0.07	NUM
fsr-3293	197	72	)	)	PUNCT
fsr-3293	197	73	�	�	PROPN
fsr-3293	197	74	.001	.001	NUM
fsr-3293	197	75	0.32	0.32	NUM
fsr-3293	197	76	(	(	PUNCT
fsr-3293	197	77	0.15	0.15	NUM
fsr-3293	197	78	)	)	PUNCT
fsr-3293	197	79	0.040	0.040	NUM
fsr-3293	197	80	0.72	0.72	NUM
fsr-3293	197	81	(	(	PUNCT
fsr-3293	197	82	0.09	0.09	NUM
fsr-3293	197	83	)	)	PUNCT
fsr-3293	197	84	�	�	PROPN
fsr-3293	197	85	.001	.001	NUM
fsr-3293	197	86	receive	receive	VERB
fsr-3293	197	87	inheritance	inheritance	NOUN
fsr-3293	197	88	0.15	0.15	NUM
fsr-3293	197	89	(	(	PUNCT
fsr-3293	197	90	0.09	0.09	NUM
fsr-3293	197	91	)	)	PUNCT
fsr-3293	197	92	0.074	0.074	NUM
fsr-3293	197	93	�	�	PROPN
fsr-3293	197	94	0.01	0.01	NUM
fsr-3293	197	95	(	(	PUNCT
fsr-3293	197	96	0.15	0.15	NUM
fsr-3293	197	97	)	)	PUNCT
fsr-3293	197	98	0.962	0.962	NUM
fsr-3293	197	99	0.09	0.09	NUM
fsr-3293	197	100	(	(	PUNCT
fsr-3293	197	101	0.12	0.12	NUM
fsr-3293	197	102	)	)	PUNCT
fsr-3293	197	103	0.449	0.449	NUM
fsr-3293	197	104	relationship	relationship	NOUN
fsr-3293	197	105	status	status	NOUN
fsr-3293	197	106	(	(	PUNCT
fsr-3293	197	107	married	married	ADJ
fsr-3293	197	108	)	)	PUNCT
fsr-3293	197	109	single	single	ADJ
fsr-3293	197	110	male	male	NOUN
fsr-3293	197	111	�	�	PROPN
fsr-3293	197	112	0.31	0.31	NUM
fsr-3293	197	113	(	(	PUNCT
fsr-3293	197	114	0.11	0.11	NUM
fsr-3293	197	115	)	)	PUNCT
fsr-3293	197	116	0.004	0.004	NUM
fsr-3293	197	117	�	�	NOUN
fsr-3293	197	118	0.58	0.58	NUM
fsr-3293	197	119	(	(	PUNCT
fsr-3293	197	120	0.29	0.29	NUM
fsr-3293	197	121	)	)	PUNCT
fsr-3293	197	122	0.048	0.048	NUM
fsr-3293	197	123	�	�	PROPN
fsr-3293	197	124	0.46	0.46	NUM
fsr-3293	197	125	(	(	PUNCT
fsr-3293	197	126	0.16	0.16	NUM
fsr-3293	197	127	)	)	PUNCT
fsr-3293	197	128	0.005	0.005	NUM
fsr-3293	197	129	single	single	ADJ
fsr-3293	197	130	female	female	ADJ
fsr-3293	197	131	�	�	PROPN
fsr-3293	197	132	0.50	0.50	NUM
fsr-3293	197	133	(	(	PUNCT
fsr-3293	197	134	0.13	0.13	NUM
fsr-3293	197	135	)	)	PUNCT
fsr-3293	197	136	�	�	PROPN
fsr-3293	197	137	.001	.001	NUM
fsr-3293	197	138	�	�	PROPN
fsr-3293	197	139	0.81	0.81	NUM
fsr-3293	197	140	(	(	PUNCT
fsr-3293	197	141	0.31	0.31	NUM
fsr-3293	197	142	)	)	PUNCT
fsr-3293	197	143	0.009	0.009	NUM
fsr-3293	197	144	�	�	PROPN
fsr-3293	197	145	0.60	0.60	NUM
fsr-3293	197	146	(	(	PUNCT
fsr-3293	197	147	0.19	0.19	NUM
fsr-3293	197	148	)	)	PUNCT
fsr-3293	197	149	0.002	0.002	NUM
fsr-3293	197	150	partner	partner	NOUN
fsr-3293	197	151	�	�	PROPN
fsr-3293	197	152	0.26	0.26	NUM
fsr-3293	197	153	(	(	PUNCT
fsr-3293	197	154	0.12	0.12	NUM
fsr-3293	197	155	)	)	PUNCT
fsr-3293	197	156	0.031	0.031	NUM
fsr-3293	197	157	�	�	PROPN
fsr-3293	197	158	0.27	0.27	NUM
fsr-3293	197	159	(	(	PUNCT
fsr-3293	197	160	0.34	0.34	NUM
fsr-3293	197	161	)	)	PUNCT
fsr-3293	197	162	0.425	0.425	NUM
fsr-3293	197	163	�	�	NOUN
fsr-3293	197	164	0.01	0.01	NUM
fsr-3293	197	165	(	(	PUNCT
fsr-3293	197	166	0.18	0.18	NUM
fsr-3293	197	167	)	)	PUNCT
fsr-3293	197	168	0.955	0.955	NUM
fsr-3293	197	169	racial	racial	ADJ
fsr-3293	197	170	/	/	SYM
fsr-3293	197	171	ethnic	ethnic	ADJ
fsr-3293	197	172	status	status	NOUN
fsr-3293	197	173	(	(	PUNCT
fsr-3293	197	174	white	white	ADJ
fsr-3293	197	175	)	)	PUNCT
fsr-3293	197	176	black	black	ADJ
fsr-3293	197	177	�	�	PROPN
fsr-3293	197	178	0.64	0.64	NUM
fsr-3293	197	179	(	(	PUNCT
fsr-3293	197	180	0.13	0.13	NUM
fsr-3293	197	181	)	)	PUNCT
fsr-3293	197	182	�	�	PROPN
fsr-3293	197	183	.001	.001	NUM
fsr-3293	197	184	�	�	PROPN
fsr-3293	197	185	0.94	0.94	NUM
fsr-3293	197	186	(	(	PUNCT
fsr-3293	197	187	0.30	0.30	NUM
fsr-3293	197	188	)	)	PUNCT
fsr-3293	197	189	0.002	0.002	NUM
fsr-3293	197	190	�	�	PROPN
fsr-3293	197	191	0.37	0.37	NUM
fsr-3293	197	192	(	(	PUNCT
fsr-3293	197	193	0.18	0.18	NUM
fsr-3293	197	194	)	)	PUNCT
fsr-3293	197	195	0.042	0.042	NUM
fsr-3293	197	196	hispanic	hispanic	ADJ
fsr-3293	197	197	�	�	PROPN
fsr-3293	197	198	0.48	0.48	NUM
fsr-3293	197	199	(	(	PUNCT
fsr-3293	197	200	0.13	0.13	NUM
fsr-3293	197	201	)	)	PUNCT
fsr-3293	197	202	�	�	PROPN
fsr-3293	197	203	.001	.001	NUM
fsr-3293	197	204	�	�	PROPN
fsr-3293	197	205	0.95	0.95	NUM
fsr-3293	197	206	(	(	PUNCT
fsr-3293	197	207	0.36	0.36	NUM
fsr-3293	197	208	)	)	PUNCT
fsr-3293	197	209	0.009	0.009	NUM
fsr-3293	197	210	�	�	PROPN
fsr-3293	197	211	0.50	0.50	NUM
fsr-3293	197	212	(	(	PUNCT
fsr-3293	197	213	0.23	0.23	NUM
fsr-3293	197	214	)	)	PUNCT
fsr-3293	197	215	0.029	0.029	NUM
fsr-3293	197	216	other	other	ADJ
fsr-3293	197	217	0.04	0.04	NUM
fsr-3293	197	218	(	(	PUNCT
fsr-3293	197	219	0.11	0.11	NUM
fsr-3293	197	220	)	)	PUNCT
fsr-3293	197	221	0.717	0.717	NUM
fsr-3293	197	222	0.16	0.16	NUM
fsr-3293	197	223	(	(	PUNCT
fsr-3293	197	224	0.39	0.39	NUM
fsr-3293	197	225	)	)	PUNCT
fsr-3293	197	226	0.673	0.673	NUM
fsr-3293	197	227	0.08	0.08	NUM
fsr-3293	197	228	(	(	PUNCT
fsr-3293	197	229	0.14	0.14	NUM
fsr-3293	197	230	)	)	PUNCT
fsr-3293	197	231	0.546	0.546	NUM
fsr-3293	197	232	education	education	NOUN
fsr-3293	197	233	(	(	PUNCT
fsr-3293	197	234	no	no	DET
fsr-3293	197	235	high	high	ADJ
fsr-3293	197	236	school	school	NOUN
fsr-3293	197	237	diploma	diploma	NOUN
fsr-3293	197	238	)	)	PUNCT
fsr-3293	197	239	high	high	ADJ
fsr-3293	197	240	school	school	NOUN
fsr-3293	197	241	0.87	0.87	NUM
fsr-3293	197	242	(	(	PUNCT
fsr-3293	197	243	0.19	0.19	NUM
fsr-3293	197	244	)	)	PUNCT
fsr-3293	197	245	�	�	NOUN
fsr-3293	197	246	.001	.001	NUM
fsr-3293	197	247	0.95	0.95	NUM
fsr-3293	197	248	(	(	PUNCT
fsr-3293	197	249	0.39	0.39	NUM
fsr-3293	197	250	)	)	PUNCT
fsr-3293	197	251	0.016	0.016	NUM
fsr-3293	197	252	0.56	0.56	NUM
fsr-3293	197	253	(	(	PUNCT
fsr-3293	197	254	0.30	0.30	NUM
fsr-3293	197	255	)	)	PUNCT
fsr-3293	197	256	0.063	0.063	NUM
fsr-3293	197	257	some	some	DET
fsr-3293	197	258	college	college	NOUN
fsr-3293	197	259	1.55	1.55	NUM
fsr-3293	197	260	(	(	PUNCT
fsr-3293	197	261	0.21	0.21	NUM
fsr-3293	197	262	)	)	PUNCT
fsr-3293	197	263	�	�	PROPN
fsr-3293	197	264	.001	.001	NUM
fsr-3293	197	265	1.52	1.52	NUM
fsr-3293	197	266	(	(	PUNCT
fsr-3293	197	267	0.37	0.37	NUM
fsr-3293	197	268	)	)	PUNCT
fsr-3293	197	269	�	�	PROPN
fsr-3293	197	270	.001	.001	NUM
fsr-3293	197	271	1.34	1.34	NUM
fsr-3293	197	272	(	(	PUNCT
fsr-3293	197	273	0.31	0.31	NUM
fsr-3293	197	274	)	)	PUNCT
fsr-3293	197	275	�	�	PROPN
fsr-3293	197	276	.001	.001	NUM
fsr-3293	197	277	bachelor	bachelor	PROPN
fsr-3293	197	278	’s	’s	PART
fsr-3293	197	279	1.97	1.97	NUM
fsr-3293	197	280	(	(	PUNCT
fsr-3293	197	281	0.22	0.22	NUM
fsr-3293	197	282	)	)	PUNCT
fsr-3293	197	283	�	�	PROPN
fsr-3293	197	284	.001	.001	NUM
fsr-3293	197	285	1.62	1.62	NUM
fsr-3293	197	286	(	(	PUNCT
fsr-3293	197	287	0.42	0.42	NUM
fsr-3293	197	288	)	)	PUNCT
fsr-3293	197	289	�	�	PROPN
fsr-3293	197	290	.001	.001	NUM
fsr-3293	197	291	1.95	1.95	NUM
fsr-3293	197	292	(	(	PUNCT
fsr-3293	197	293	0.31	0.31	NUM
fsr-3293	197	294	)	)	PUNCT
fsr-3293	197	295	�	�	PROPN
fsr-3293	197	296	.001	.001	NUM
fsr-3293	197	297	graduate	graduate	PROPN
fsr-3293	197	298	2.29	2.29	NUM
fsr-3293	197	299	(	(	PUNCT
fsr-3293	197	300	0.22	0.22	NUM
fsr-3293	197	301	)	)	PUNCT
fsr-3293	197	302	�	�	PROPN
fsr-3293	197	303	.001	.001	NUM
fsr-3293	197	304	1.81	1.81	NUM
fsr-3293	197	305	(	(	PUNCT
fsr-3293	197	306	0.44	0.44	NUM
fsr-3293	197	307	)	)	PUNCT
fsr-3293	197	308	�	�	PROPN
fsr-3293	197	309	.001	.001	NUM
fsr-3293	197	310	2.28	2.28	NUM
fsr-3293	197	311	(	(	PUNCT
fsr-3293	197	312	0.34	0.34	NUM
fsr-3293	197	313	)	)	PUNCT
fsr-3293	197	314	�	�	PROPN
fsr-3293	197	315	.001	.001	NUM
fsr-3293	197	316	log	log	NOUN
fsr-3293	197	317	of	of	ADP
fsr-3293	197	318	income	income	NOUN
fsr-3293	197	319	0.62	0.62	NUM
fsr-3293	197	320	(	(	PUNCT
fsr-3293	197	321	0.13	0.13	NUM
fsr-3293	197	322	)	)	PUNCT
fsr-3293	197	323	�	�	NOUN
fsr-3293	197	324	.001	.001	NUM
fsr-3293	197	325	0.73	0.73	NUM
fsr-3293	197	326	(	(	PUNCT
fsr-3293	197	327	0.27	0.27	NUM
fsr-3293	197	328	)	)	PUNCT
fsr-3293	197	329	0.007	0.007	NUM
fsr-3293	197	330	0.61	0.61	NUM
fsr-3293	197	331	(	(	PUNCT
fsr-3293	197	332	0.16	0.16	NUM
fsr-3293	197	333	)	)	PUNCT
fsr-3293	197	334	�	�	PROPN
fsr-3293	197	335	.001	.001	NUM
fsr-3293	197	336	have	have	VERB
fsr-3293	197	337	kids	kid	NOUN
fsr-3293	197	338	�	�	PROPN
fsr-3293	197	339	0.16	0.16	NUM
fsr-3293	197	340	(	(	PUNCT
fsr-3293	197	341	0.04	0.04	NUM
fsr-3293	197	342	)	)	PUNCT
fsr-3293	197	343	�	�	PROPN
fsr-3293	197	344	.001	.001	NUM
fsr-3293	197	345	�	�	PROPN
fsr-3293	197	346	0.26	0.26	NUM
fsr-3293	197	347	(	(	PUNCT
fsr-3293	197	348	0.09	0.09	NUM
fsr-3293	197	349	)	)	PUNCT
fsr-3293	197	350	0.004	0.004	NUM
fsr-3293	197	351	�	�	PROPN
fsr-3293	197	352	0.17	0.17	NUM
fsr-3293	197	353	(	(	PUNCT
fsr-3293	197	354	0.05	0.05	NUM
fsr-3293	197	355	)	)	PUNCT
fsr-3293	197	356	0.001	0.001	NUM
fsr-3293	197	357	perceived	perceive	VERB
fsr-3293	197	358	poor	poor	ADJ
fsr-3293	197	359	health	health	NOUN
fsr-3293	197	360	�	�	PROPN
fsr-3293	197	361	0.21	0.21	NUM
fsr-3293	197	362	(	(	PUNCT
fsr-3293	197	363	0.10	0.10	NUM
fsr-3293	197	364	)	)	PUNCT
fsr-3293	197	365	0.040	0.040	NUM
fsr-3293	197	366	0.13	0.13	NUM
fsr-3293	197	367	(	(	PUNCT
fsr-3293	197	368	0.21	0.21	NUM
fsr-3293	197	369	)	)	PUNCT
fsr-3293	197	370	0.540	0.540	NUM
fsr-3293	197	371	�	�	PROPN
fsr-3293	197	372	0.26	0.26	NUM
fsr-3293	197	373	(	(	PUNCT
fsr-3293	197	374	0.18	0.18	NUM
fsr-3293	197	375	)	)	PUNCT
fsr-3293	197	376	0.148	0.148	PRON
fsr-3293	197	377	understand	understand	VERB
fsr-3293	197	378	scf	scf	PROPN
fsr-3293	197	379	questions	question	NOUN
fsr-3293	197	380	?	?	PUNCT
fsr-3293	198	1	(	(	PUNCT
fsr-3293	198	2	good	good	ADJ
fsr-3293	198	3	)	)	PUNCT
fsr-3293	198	4	poor	poor	ADJ
fsr-3293	198	5	/	/	SYM
fsr-3293	198	6	fair	fair	ADJ
fsr-3293	198	7	�	�	PROPN
fsr-3293	198	8	0.45	0.45	NUM
fsr-3293	198	9	(	(	PUNCT
fsr-3293	198	10	0.18	0.18	NUM
fsr-3293	198	11	)	)	PUNCT
fsr-3293	198	12	0.015	0.015	NUM
fsr-3293	198	13	�	�	X
fsr-3293	198	14	0.49	0.49	NUM
fsr-3293	198	15	(	(	PUNCT
fsr-3293	198	16	0.38	0.38	NUM
fsr-3293	198	17	)	)	PUNCT
fsr-3293	198	18	0.202	0.202	NUM
fsr-3293	198	19	�	�	NOUN
fsr-3293	198	20	0.87	0.87	NUM
fsr-3293	198	21	(	(	PUNCT
fsr-3293	198	22	0.40	0.40	NUM
fsr-3293	198	23	)	)	PUNCT
fsr-3293	198	24	0.029	0.029	NUM
fsr-3293	198	25	excellent	excellent	NOUN
fsr-3293	198	26	0.15	0.15	NUM
fsr-3293	198	27	(	(	PUNCT
fsr-3293	198	28	0.07	0.07	NUM
fsr-3293	198	29	)	)	PUNCT
fsr-3293	198	30	0.024	0.024	NUM
fsr-3293	198	31	�	�	PROPN
fsr-3293	198	32	0.11	0.11	NUM
fsr-3293	198	33	(	(	PUNCT
fsr-3293	198	34	0.16	0.16	NUM
fsr-3293	198	35	)	)	PUNCT
fsr-3293	198	36	0.495	0.495	NUM
fsr-3293	198	37	0.18	0.18	NUM
fsr-3293	198	38	(	(	PUNCT
fsr-3293	198	39	0.10	0.10	NUM
fsr-3293	198	40	)	)	PUNCT
fsr-3293	198	41	0.088	0.088	NUM
fsr-3293	199	1	having	have	VERB
fsr-3293	199	2	retirement	retirement	NOUN
fsr-3293	199	3	plan	plan	NOUN
fsr-3293	199	4	1.26	1.26	NUM
fsr-3293	199	5	(	(	PUNCT
fsr-3293	199	6	0.07	0.07	NUM
fsr-3293	199	7	)	)	PUNCT
fsr-3293	199	8	�	�	PROPN
fsr-3293	199	9	.001	.001	NUM
fsr-3293	199	10	1.27	1.27	NUM
fsr-3293	199	11	(	(	PUNCT
fsr-3293	199	12	0.15	0.15	NUM
fsr-3293	199	13	)	)	PUNCT
fsr-3293	199	14	�	�	PROPN
fsr-3293	199	15	.001	.001	NUM
fsr-3293	199	16	1.38	1.38	NUM
fsr-3293	199	17	(	(	PUNCT
fsr-3293	199	18	0.10	0.10	NUM
fsr-3293	199	19	)	)	PUNCT
fsr-3293	199	20	�	�	NOUN
fsr-3293	199	21	.001	.001	NUM
fsr-3293	199	22	access	access	NOUN
fsr-3293	199	23	to	to	ADP
fsr-3293	199	24	$	$	SYM
fsr-3293	199	25	3,000	3,000	NUM
fsr-3293	199	26	0.91	0.91	NUM
fsr-3293	199	27	(	(	PUNCT
fsr-3293	199	28	0.10	0.10	NUM
fsr-3293	199	29	)	)	PUNCT
fsr-3293	199	30	�	�	PROPN
fsr-3293	199	31	.001	.001	NUM
fsr-3293	199	32	0.75	0.75	NUM
fsr-3293	199	33	(	(	PUNCT
fsr-3293	199	34	0.22	0.22	NUM
fsr-3293	199	35	)	)	PUNCT
fsr-3293	199	36	0.001	0.001	NUM
fsr-3293	199	37	0.87	0.87	NUM
fsr-3293	199	38	(	(	PUNCT
fsr-3293	199	39	0.15	0.15	NUM
fsr-3293	199	40	)	)	PUNCT
fsr-3293	199	41	�	�	PROPN
fsr-3293	199	42	.001	.001	NUM
fsr-3293	199	43	planning	planning	NOUN
fsr-3293	199	44	horizon	horizon	NOUN
fsr-3293	199	45	(	(	PUNCT
fsr-3293	199	46	long	long	ADJ
fsr-3293	199	47	)	)	PUNCT
fsr-3293	199	48	short	short	PROPN
fsr-3293	199	49	�	�	PROPN
fsr-3293	199	50	0.64	0.64	NUM
fsr-3293	199	51	(	(	PUNCT
fsr-3293	199	52	0.11	0.11	NUM
fsr-3293	199	53	)	)	PUNCT
fsr-3293	199	54	�	�	PROPN
fsr-3293	199	55	.001	.001	NUM
fsr-3293	199	56	�	�	PROPN
fsr-3293	199	57	0.84	0.84	NUM
fsr-3293	199	58	(	(	PUNCT
fsr-3293	199	59	0.25	0.25	NUM
fsr-3293	199	60	)	)	PUNCT
fsr-3293	199	61	0.001	0.001	NUM
fsr-3293	199	62	�	�	PROPN
fsr-3293	199	63	0.48	0.48	NUM
fsr-3293	199	64	(	(	PUNCT
fsr-3293	199	65	0.16	0.16	NUM
fsr-3293	199	66	)	)	PUNCT
fsr-3293	199	67	0.003	0.003	NUM
fsr-3293	199	68	intermediate	intermediate	ADJ
fsr-3293	199	69	�	�	PROPN
fsr-3293	199	70	0.29	0.29	NUM
fsr-3293	199	71	(	(	PUNCT
fsr-3293	199	72	0.09	0.09	NUM
fsr-3293	199	73	)	)	PUNCT
fsr-3293	199	74	0.001	0.001	NUM
fsr-3293	199	75	�	�	PROPN
fsr-3293	199	76	0.31	0.31	NUM
fsr-3293	199	77	(	(	PUNCT
fsr-3293	199	78	0.21	0.21	NUM
fsr-3293	199	79	)	)	PUNCT
fsr-3293	199	80	0.132	0.132	NUM
fsr-3293	199	81	�	�	NOUN
fsr-3293	199	82	0.24	0.24	NUM
fsr-3293	199	83	(	(	PUNCT
fsr-3293	199	84	0.11	0.11	NUM
fsr-3293	199	85	)	)	PUNCT
fsr-3293	199	86	0.031	0.031	NUM
fsr-3293	199	87	constant	constant	ADJ
fsr-3293	199	88	1.28	1.28	NUM
fsr-3293	199	89	(	(	PUNCT
fsr-3293	199	90	1.43	1.43	NUM
fsr-3293	199	91	)	)	PUNCT
fsr-3293	199	92	0.369	0.369	NUM
fsr-3293	199	93	0.56	0.56	NUM
fsr-3293	199	94	(	(	PUNCT
fsr-3293	199	95	3.09	3.09	NUM
fsr-3293	199	96	)	)	PUNCT
fsr-3293	199	97	0.857	0.857	NUM
fsr-3293	199	98	1.03	1.03	NUM
fsr-3293	199	99	(	(	PUNCT
fsr-3293	199	100	1.81	1.81	NUM
fsr-3293	199	101	)	)	PUNCT
fsr-3293	199	102	0.569	0.569	NUM
fsr-3293	199	103	r2	r2	PROPN
fsr-3293	199	104	0.57	0.57	NUM
fsr-3293	199	105	0.58	0.58	NUM
fsr-3293	199	106	0.56	0.56	NUM
fsr-3293	199	107	f	f	PROPN
fsr-3293	199	108	142.68	142.68	NUM
fsr-3293	199	109	34.58	34.58	NUM
fsr-3293	199	110	63.86	63.86	NUM
fsr-3293	199	111	source	source	NOUN
fsr-3293	199	112	:	:	PUNCT
fsr-3293	199	113	weighted	weight	VERB
fsr-3293	199	114	analysis	analysis	NOUN
fsr-3293	199	115	of	of	ADP
fsr-3293	199	116	the	the	DET
fsr-3293	199	117	2013	2013	NUM
fsr-3293	199	118	survey	survey	NOUN
fsr-3293	199	119	of	of	ADP
fsr-3293	199	120	consumer	consumer	NOUN
fsr-3293	199	121	finances	finance	NOUN
fsr-3293	199	122	;	;	PUNCT
fsr-3293	199	123	rii	rii	NOUN
fsr-3293	199	124	technique	technique	NOUN
fsr-3293	199	125	and	and	CCONJ
fsr-3293	199	126	bootstrapping	bootstrapping	NOUN
fsr-3293	199	127	used	use	VERB
fsr-3293	199	128	.	.	PUNCT
fsr-3293	200	1	note	note	NOUN
fsr-3293	200	2	:	:	PUNCT
fsr-3293	200	3	analysis	analysis	NOUN
fsr-3293	200	4	includes	include	VERB
fsr-3293	200	5	only	only	ADV
fsr-3293	200	6	those	those	PRON
fsr-3293	200	7	that	that	PRON
fsr-3293	200	8	are	be	AUX
fsr-3293	200	9	full	full	ADJ
fsr-3293	200	10	-	-	PUNCT
fsr-3293	200	11	time	time	NOUN
fsr-3293	200	12	,	,	PUNCT
fsr-3293	200	13	expect	expect	VERB
fsr-3293	200	14	to	to	PART
fsr-3293	200	15	retire	retire	VERB
fsr-3293	200	16	,	,	PUNCT
fsr-3293	200	17	and	and	CCONJ
fsr-3293	200	18	have	have	VERB
fsr-3293	200	19	a	a	DET
fsr-3293	200	20	retirement	retirement	NOUN
fsr-3293	200	21	life	life	NOUN
fsr-3293	200	22	expectancy	expectancy	NOUN
fsr-3293	200	23	greater	great	ADJ
fsr-3293	200	24	than	than	ADP
fsr-3293	200	25	zero	zero	NUM
fsr-3293	200	26	.	.	PUNCT
fsr-3293	201	1	12	12	NUM
fsr-3293	201	2	d.r	d.r	PROPN
fsr-3293	201	3	.	.	PROPN
fsr-3293	201	4	lawson	lawson	PROPN
fsr-3293	201	5	,	,	PUNCT
fsr-3293	201	6	s.j	s.j	PROPN
fsr-3293	201	7	.	.	PROPN
fsr-3293	201	8	heckman	heckman	PROPN
fsr-3293	201	9	/	/	SYM
fsr-3293	201	10	financial	financial	PROPN
fsr-3293	201	11	services	service	NOUN
fsr-3293	201	12	review	review	VERB
fsr-3293	201	13	26	26	NUM
fsr-3293	201	14	(	(	PUNCT
fsr-3293	201	15	2017	2017	NUM
fsr-3293	201	16	)	)	PUNCT
fsr-3293	201	17	1–18	1–18	PROPN
fsr-3293	201	18	3.2.3	3.2.3	NUM
fsr-3293	201	19	.	.	PUNCT
fsr-3293	202	1	saving	save	VERB
fsr-3293	202	2	behavior	behavior	NOUN
fsr-3293	202	3	looking	look	VERB
fsr-3293	202	4	at	at	ADP
fsr-3293	202	5	factors	factor	NOUN
fsr-3293	202	6	that	that	PRON
fsr-3293	202	7	influence	influence	VERB
fsr-3293	202	8	whether	whether	SCONJ
fsr-3293	202	9	or	or	CCONJ
fsr-3293	202	10	not	not	PART
fsr-3293	202	11	a	a	DET
fsr-3293	202	12	worker	worker	NOUN
fsr-3293	202	13	saved	save	VERB
fsr-3293	202	14	,	,	PUNCT
fsr-3293	202	15	rle	rle	PROPN
fsr-3293	202	16	is	be	AUX
fsr-3293	202	17	again	again	ADV
fsr-3293	202	18	significant	significant	ADJ
fsr-3293	202	19	and	and	CCONJ
fsr-3293	202	20	positively	positively	ADV
fsr-3293	202	21	associated	associate	VERB
fsr-3293	202	22	with	with	ADP
fsr-3293	202	23	the	the	DET
fsr-3293	202	24	likelihood	likelihood	NOUN
fsr-3293	202	25	of	of	ADP
fsr-3293	202	26	saving	save	VERB
fsr-3293	202	27	(	(	PUNCT
fsr-3293	202	28	b	b	PROPN
fsr-3293	202	29	�	�	PROPN
fsr-3293	202	30	0.01	0.01	NUM
fsr-3293	202	31	,	,	PUNCT
fsr-3293	202	32	se	se	X
fsr-3293	202	33	�	�	PROPN
fsr-3293	202	34	0.00	0.00	NUM
fsr-3293	202	35	,	,	PUNCT
fsr-3293	202	36	p	p	PROPN
fsr-3293	202	37	�	�	PROPN
fsr-3293	202	38	0.05	0.05	NUM
fsr-3293	202	39	,	,	PUNCT
fsr-3293	202	40	odds	odd	VERB
fsr-3293	202	41	ratio	ratio	NOUN
fsr-3293	202	42	[	[	X
fsr-3293	202	43	or	or	CCONJ
fsr-3293	202	44	]	]	PUNCT
fsr-3293	202	45	�	�	PROPN
fsr-3293	202	46	1.01	1.01	NUM
fsr-3293	202	47	)	)	PUNCT
fsr-3293	202	48	.	.	PUNCT
fsr-3293	203	1	other	other	ADJ
fsr-3293	203	2	positive	positive	ADJ
fsr-3293	203	3	factors	factor	NOUN
fsr-3293	203	4	are	be	AUX
fsr-3293	203	5	having	have	VERB
fsr-3293	203	6	a	a	DET
fsr-3293	203	7	bequest	bequest	NOUN
fsr-3293	203	8	motive	motive	NOUN
fsr-3293	203	9	,	,	PUNCT
fsr-3293	203	10	being	be	AUX
fsr-3293	203	11	a	a	DET
fsr-3293	203	12	single	single	ADJ
fsr-3293	203	13	male	male	NOUN
fsr-3293	203	14	or	or	CCONJ
fsr-3293	203	15	in	in	ADP
fsr-3293	203	16	a	a	DET
fsr-3293	203	17	partnership	partnership	NOUN
fsr-3293	203	18	,	,	PUNCT
fsr-3293	203	19	income	income	NOUN
fsr-3293	203	20	,	,	PUNCT
fsr-3293	203	21	and	and	CCONJ
fsr-3293	203	22	net	net	ADJ
fsr-3293	203	23	worth	worth	NOUN
fsr-3293	203	24	.	.	PUNCT
fsr-3293	204	1	hispanics	hispanic	NOUN
fsr-3293	204	2	,	,	PUNCT
fsr-3293	204	3	having	have	VERB
fsr-3293	204	4	kids	kid	NOUN
fsr-3293	204	5	,	,	PUNCT
fsr-3293	204	6	and	and	CCONJ
fsr-3293	204	7	being	be	AUX
fsr-3293	204	8	in	in	ADP
fsr-3293	204	9	poor	poor	ADJ
fsr-3293	204	10	health	health	NOUN
fsr-3293	204	11	are	be	AUX
fsr-3293	204	12	negatively	negatively	ADV
fsr-3293	204	13	associated	associate	VERB
fsr-3293	204	14	with	with	ADP
fsr-3293	204	15	saving	saving	NOUN
fsr-3293	204	16	.	.	PUNCT
fsr-3293	205	1	having	have	VERB
fsr-3293	205	2	access	access	NOUN
fsr-3293	205	3	to	to	ADP
fsr-3293	205	4	$	$	SYM
fsr-3293	205	5	3,000	3,000	NUM
fsr-3293	205	6	is	be	AUX
fsr-3293	205	7	positively	positively	ADV
fsr-3293	205	8	associated	associate	VERB
fsr-3293	205	9	with	with	ADP
fsr-3293	205	10	saving	saving	NOUN
fsr-3293	205	11	,	,	PUNCT
fsr-3293	205	12	while	while	SCONJ
fsr-3293	205	13	those	those	PRON
fsr-3293	205	14	with	with	ADP
fsr-3293	205	15	short	short	ADJ
fsr-3293	205	16	-	-	PUNCT
fsr-3293	205	17	term	term	NOUN
fsr-3293	205	18	planning	planning	NOUN
fsr-3293	205	19	horizons	horizon	NOUN
fsr-3293	205	20	(	(	PUNCT
fsr-3293	205	21	i.e.	i.e.	X
fsr-3293	205	22	,	,	PUNCT
fsr-3293	205	23	less	less	ADJ
fsr-3293	205	24	than	than	ADP
fsr-3293	205	25	one	one	NUM
fsr-3293	205	26	year	year	NOUN
fsr-3293	205	27	)	)	PUNCT
fsr-3293	205	28	,	,	PUNCT
fsr-3293	205	29	intermediateterm	intermediateterm	NOUN
fsr-3293	205	30	planning	planning	NOUN
fsr-3293	205	31	horizons	horizon	NOUN
fsr-3293	205	32	(	(	PUNCT
fsr-3293	205	33	i.e.	i.e.	X
fsr-3293	205	34	,	,	PUNCT
fsr-3293	205	35	two	two	NUM
fsr-3293	205	36	to	to	PART
fsr-3293	205	37	nine	nine	NUM
fsr-3293	205	38	years	year	NOUN
fsr-3293	205	39	)	)	PUNCT
fsr-3293	205	40	,	,	PUNCT
fsr-3293	205	41	and	and	CCONJ
fsr-3293	205	42	credit	credit	NOUN
fsr-3293	205	43	card	card	NOUN
fsr-3293	205	44	debt	debt	NOUN
fsr-3293	205	45	are	be	AUX
fsr-3293	205	46	less	less	ADV
fsr-3293	205	47	likely	likely	ADJ
fsr-3293	205	48	to	to	PART
fsr-3293	205	49	save	save	VERB
fsr-3293	205	50	.	.	PUNCT
fsr-3293	206	1	a	a	DET
fsr-3293	206	2	few	few	ADJ
fsr-3293	206	3	differences	difference	NOUN
fsr-3293	206	4	exist	exist	VERB
fsr-3293	206	5	in	in	ADP
fsr-3293	206	6	the	the	DET
fsr-3293	206	7	secondary	secondary	ADJ
fsr-3293	206	8	analysis	analysis	NOUN
fsr-3293	206	9	.	.	PUNCT
fsr-3293	207	1	for	for	ADP
fsr-3293	207	2	those	those	PRON
fsr-3293	207	3	near	near	ADP
fsr-3293	207	4	retirement	retirement	NOUN
fsr-3293	207	5	,	,	PUNCT
fsr-3293	207	6	rle	rle	PROPN
fsr-3293	207	7	is	be	AUX
fsr-3293	207	8	not	not	PART
fsr-3293	207	9	significant	significant	ADJ
fsr-3293	207	10	but	but	CCONJ
fsr-3293	207	11	rwle	rwle	ADJ
fsr-3293	207	12	is	be	AUX
fsr-3293	207	13	significantly	significantly	ADV
fsr-3293	207	14	and	and	CCONJ
fsr-3293	207	15	negatively	negatively	ADV
fsr-3293	207	16	associated	associate	VERB
fsr-3293	207	17	with	with	ADP
fsr-3293	207	18	saving	saving	NOUN
fsr-3293	207	19	.	.	PUNCT
fsr-3293	208	1	as	as	ADP
fsr-3293	208	2	rwle	rwle	ADJ
fsr-3293	208	3	increases	increase	NOUN
fsr-3293	208	4	by	by	ADP
fsr-3293	208	5	one	one	NUM
fsr-3293	208	6	year	year	NOUN
fsr-3293	208	7	for	for	ADP
fsr-3293	208	8	individuals	individual	NOUN
fsr-3293	208	9	near	near	ADP
fsr-3293	208	10	retirement	retirement	NOUN
fsr-3293	208	11	,	,	PUNCT
fsr-3293	208	12	the	the	DET
fsr-3293	208	13	odds	odd	NOUN
fsr-3293	208	14	of	of	ADP
fsr-3293	208	15	saving	saving	NOUN
fsr-3293	208	16	are	be	AUX
fsr-3293	208	17	about	about	ADV
fsr-3293	208	18	12	12	NUM
fsr-3293	208	19	%	%	NOUN
fsr-3293	208	20	lower	low	ADJ
fsr-3293	208	21	table	table	NOUN
fsr-3293	208	22	3	3	NUM
fsr-3293	208	23	ols	ol	NOUN
fsr-3293	208	24	regressions	regression	NOUN
fsr-3293	208	25	on	on	ADP
fsr-3293	208	26	the	the	DET
fsr-3293	208	27	log	log	NOUN
fsr-3293	208	28	of	of	ADP
fsr-3293	208	29	credit	credit	NOUN
fsr-3293	208	30	card	card	NOUN
fsr-3293	208	31	balance	balance	NOUN
fsr-3293	208	32	,	,	PUNCT
fsr-3293	208	33	full	full	ADJ
fsr-3293	208	34	sample	sample	NOUN
fsr-3293	208	35	of	of	ADP
fsr-3293	208	36	full	full	ADJ
fsr-3293	208	37	-	-	PUNCT
fsr-3293	208	38	time	time	NOUN
fsr-3293	208	39	workers	worker	NOUN
fsr-3293	208	40	,	,	PUNCT
fsr-3293	208	41	sample	sample	NOUN
fsr-3293	208	42	of	of	ADP
fsr-3293	208	43	those	those	PRON
fsr-3293	208	44	near	near	ADP
fsr-3293	208	45	retirement	retirement	NOUN
fsr-3293	208	46	,	,	PUNCT
fsr-3293	208	47	and	and	CCONJ
fsr-3293	208	48	sample	sample	NOUN
fsr-3293	208	49	of	of	ADP
fsr-3293	208	50	those	those	DET
fsr-3293	208	51	more	more	ADJ
fsr-3293	208	52	than	than	ADP
fsr-3293	208	53	10	10	NUM
fsr-3293	208	54	years	year	NOUN
fsr-3293	208	55	from	from	ADP
fsr-3293	208	56	retirement	retirement	NOUN
fsr-3293	208	57	full	full	ADJ
fsr-3293	208	58	model	model	NOUN
fsr-3293	208	59	0–10	0–10	PROPN
fsr-3293	208	60	years	year	NOUN
fsr-3293	208	61	11	11	NUM
fsr-3293	208	62	�	�	NOUN
fsr-3293	208	63	years	year	NOUN
fsr-3293	208	64	(	(	PUNCT
fsr-3293	208	65	n	n	X
fsr-3293	208	66	�	�	PROPN
fsr-3293	208	67	2,632	2,632	NUM
fsr-3293	208	68	)	)	PUNCT
fsr-3293	208	69	(	(	PUNCT
fsr-3293	208	70	n	n	X
fsr-3293	208	71	�	�	PROPN
fsr-3293	208	72	617	617	NUM
fsr-3293	208	73	)	)	PUNCT
fsr-3293	208	74	(	(	PUNCT
fsr-3293	208	75	n	n	X
fsr-3293	208	76	�	�	PROPN
fsr-3293	208	77	1,212	1,212	NUM
fsr-3293	208	78	)	)	PUNCT
fsr-3293	208	79	variables	variable	NOUN
fsr-3293	208	80	(	(	PUNCT
fsr-3293	208	81	reference	reference	NOUN
fsr-3293	208	82	group	group	NOUN
fsr-3293	208	83	)	)	PUNCT
fsr-3293	208	84	b	b	PROPN
fsr-3293	208	85	se	se	X
fsr-3293	208	86	.	.	PUNCT
fsr-3293	209	1	b	b	X
fsr-3293	209	2	p	p	X
fsr-3293	209	3	b	b	PROPN
fsr-3293	209	4	se	se	X
fsr-3293	209	5	.	.	PUNCT
fsr-3293	210	1	b	b	X
fsr-3293	210	2	p	p	X
fsr-3293	210	3	b	b	PROPN
fsr-3293	210	4	se	se	X
fsr-3293	210	5	.	.	PUNCT
fsr-3293	211	1	b	b	X
fsr-3293	211	2	p	p	NOUN
fsr-3293	211	3	retirement	retirement	NOUN
fsr-3293	211	4	life	life	NOUN
fsr-3293	211	5	expectancy	expectancy	NOUN
fsr-3293	211	6	�	�	NOUN
fsr-3293	211	7	0.01	0.01	NUM
fsr-3293	211	8	(	(	PUNCT
fsr-3293	211	9	0.01	0.01	NUM
fsr-3293	211	10	)	)	PUNCT
fsr-3293	211	11	0.338	0.338	NUM
fsr-3293	211	12	�	�	NOUN
fsr-3293	211	13	0.01	0.01	NUM
fsr-3293	211	14	(	(	PUNCT
fsr-3293	211	15	0.01	0.01	NUM
fsr-3293	211	16	)	)	PUNCT
fsr-3293	211	17	0.399	0.399	NUM
fsr-3293	211	18	�	�	NOUN
fsr-3293	211	19	0.01	0.01	NUM
fsr-3293	211	20	(	(	PUNCT
fsr-3293	211	21	0.01	0.01	NUM
fsr-3293	211	22	)	)	PUNCT
fsr-3293	211	23	0.469	0.469	NUM
fsr-3293	211	24	remaining	remain	VERB
fsr-3293	211	25	work	work	NOUN
fsr-3293	211	26	life	life	NOUN
fsr-3293	211	27	expectancy	expectancy	NOUN
fsr-3293	211	28	0.00	0.00	NUM
fsr-3293	211	29	(	(	PUNCT
fsr-3293	211	30	0.01	0.01	NUM
fsr-3293	211	31	)	)	PUNCT
fsr-3293	211	32	0.627	0.627	NUM
fsr-3293	211	33	�	�	NOUN
fsr-3293	211	34	0.04	0.04	NUM
fsr-3293	211	35	(	(	PUNCT
fsr-3293	211	36	0.06	0.06	NUM
fsr-3293	211	37	)	)	PUNCT
fsr-3293	211	38	0.529	0.529	NUM
fsr-3293	211	39	0.01	0.01	NUM
fsr-3293	211	40	(	(	PUNCT
fsr-3293	211	41	0.02	0.02	NUM
fsr-3293	211	42	)	)	PUNCT
fsr-3293	211	43	0.410	0.410	NUM
fsr-3293	211	44	own	own	PROPN
fsr-3293	211	45	’s	’s	NOUN
fsr-3293	211	46	home	home	NOUN
fsr-3293	211	47	0.73	0.73	NUM
fsr-3293	211	48	(	(	PUNCT
fsr-3293	211	49	0.14	0.14	NUM
fsr-3293	211	50	)	)	PUNCT
fsr-3293	211	51	�	�	PROPN
fsr-3293	211	52	.001	.001	NUM
fsr-3293	211	53	0.42	0.42	NUM
fsr-3293	211	54	(	(	PUNCT
fsr-3293	211	55	0.43	0.43	NUM
fsr-3293	211	56	)	)	PUNCT
fsr-3293	211	57	0.329	0.329	NUM
fsr-3293	211	58	0.52	0.52	NUM
fsr-3293	211	59	(	(	PUNCT
fsr-3293	211	60	0.23	0.23	NUM
fsr-3293	211	61	)	)	PUNCT
fsr-3293	211	62	0.024	0.024	NUM
fsr-3293	211	63	bequest	bequest	NOUN
fsr-3293	211	64	motive	motive	NOUN
fsr-3293	211	65	�	�	PROPN
fsr-3293	211	66	0.11	0.11	NUM
fsr-3293	211	67	(	(	PUNCT
fsr-3293	211	68	0.14	0.14	NUM
fsr-3293	211	69	)	)	PUNCT
fsr-3293	211	70	0.455	0.455	NUM
fsr-3293	211	71	�	�	NOUN
fsr-3293	211	72	0.48	0.48	NUM
fsr-3293	211	73	(	(	PUNCT
fsr-3293	211	74	0.29	0.29	NUM
fsr-3293	211	75	)	)	PUNCT
fsr-3293	211	76	0.103	0.103	NUM
fsr-3293	211	77	0.10	0.10	NUM
fsr-3293	211	78	(	(	PUNCT
fsr-3293	211	79	0.22	0.22	NUM
fsr-3293	211	80	)	)	PUNCT
fsr-3293	211	81	0.653	0.653	NUM
fsr-3293	211	82	receive	receive	VERB
fsr-3293	211	83	inheritance	inheritance	NOUN
fsr-3293	211	84	�	�	NOUN
fsr-3293	211	85	0.24	0.24	NUM
fsr-3293	211	86	(	(	PUNCT
fsr-3293	211	87	0.19	0.19	NUM
fsr-3293	211	88	)	)	PUNCT
fsr-3293	211	89	0.196	0.196	NUM
fsr-3293	211	90	0.56	0.56	NUM
fsr-3293	211	91	(	(	PUNCT
fsr-3293	211	92	0.43	0.43	NUM
fsr-3293	211	93	)	)	PUNCT
fsr-3293	211	94	0.197	0.197	NUM
fsr-3293	211	95	�	�	PROPN
fsr-3293	211	96	0.30	0.30	NUM
fsr-3293	211	97	(	(	PUNCT
fsr-3293	211	98	0.25	0.25	NUM
fsr-3293	211	99	)	)	PUNCT
fsr-3293	211	100	0.228	0.228	NUM
fsr-3293	211	101	relationship	relationship	NOUN
fsr-3293	211	102	status	status	NOUN
fsr-3293	211	103	(	(	PUNCT
fsr-3293	211	104	married	married	ADJ
fsr-3293	211	105	)	)	PUNCT
fsr-3293	211	106	single	single	ADJ
fsr-3293	211	107	male	male	NOUN
fsr-3293	211	108	�	�	PROPN
fsr-3293	211	109	0.93	0.93	NUM
fsr-3293	211	110	(	(	PUNCT
fsr-3293	211	111	0.19	0.19	NUM
fsr-3293	211	112	)	)	PUNCT
fsr-3293	211	113	�	�	PROPN
fsr-3293	211	114	.001	.001	NUM
fsr-3293	211	115	�	�	PROPN
fsr-3293	211	116	0.22	0.22	NUM
fsr-3293	211	117	(	(	PUNCT
fsr-3293	211	118	0.41	0.41	NUM
fsr-3293	211	119	)	)	PUNCT
fsr-3293	211	120	0.596	0.596	NUM
fsr-3293	211	121	�	�	NOUN
fsr-3293	211	122	0.99	0.99	NUM
fsr-3293	211	123	(	(	PUNCT
fsr-3293	211	124	0.39	0.39	NUM
fsr-3293	211	125	)	)	PUNCT
fsr-3293	211	126	0.010	0.010	NUM
fsr-3293	211	127	single	single	ADJ
fsr-3293	211	128	female	female	ADJ
fsr-3293	211	129	�	�	PROPN
fsr-3293	211	130	0.41	0.41	NUM
fsr-3293	211	131	(	(	PUNCT
fsr-3293	211	132	0.22	0.22	NUM
fsr-3293	211	133	)	)	PUNCT
fsr-3293	211	134	0.056	0.056	NUM
fsr-3293	211	135	�	�	PROPN
fsr-3293	211	136	0.94	0.94	NUM
fsr-3293	211	137	(	(	PUNCT
fsr-3293	211	138	0.40	0.40	NUM
fsr-3293	211	139	)	)	PUNCT
fsr-3293	211	140	0.021	0.021	NUM
fsr-3293	211	141	�	�	PROPN
fsr-3293	211	142	0.01	0.01	NUM
fsr-3293	211	143	(	(	PUNCT
fsr-3293	211	144	0.28	0.28	NUM
fsr-3293	211	145	)	)	PUNCT
fsr-3293	211	146	0.969	0.969	NUM
fsr-3293	211	147	partner	partner	NOUN
fsr-3293	211	148	0.34	0.34	NUM
fsr-3293	211	149	(	(	PUNCT
fsr-3293	211	150	0.21	0.21	NUM
fsr-3293	211	151	)	)	PUNCT
fsr-3293	211	152	0.116	0.116	NUM
fsr-3293	211	153	0.93	0.93	NUM
fsr-3293	211	154	(	(	PUNCT
fsr-3293	211	155	0.72	0.72	NUM
fsr-3293	211	156	)	)	PUNCT
fsr-3293	211	157	0.193	0.193	NUM
fsr-3293	211	158	0.50	0.50	NUM
fsr-3293	211	159	(	(	PUNCT
fsr-3293	211	160	0.33	0.33	NUM
fsr-3293	211	161	)	)	PUNCT
fsr-3293	211	162	0.134	0.134	NUM
fsr-3293	211	163	racial	racial	ADJ
fsr-3293	211	164	/	/	SYM
fsr-3293	211	165	ethnic	ethnic	ADJ
fsr-3293	211	166	status	status	NOUN
fsr-3293	211	167	(	(	PUNCT
fsr-3293	211	168	white	white	ADJ
fsr-3293	211	169	)	)	PUNCT
fsr-3293	211	170	black	black	ADJ
fsr-3293	211	171	0.22	0.22	NUM
fsr-3293	211	172	(	(	PUNCT
fsr-3293	211	173	0.24	0.24	NUM
fsr-3293	211	174	)	)	PUNCT
fsr-3293	211	175	0.370	0.370	NUM
fsr-3293	211	176	1.56	1.56	NUM
fsr-3293	211	177	(	(	PUNCT
fsr-3293	211	178	0.47	0.47	NUM
fsr-3293	211	179	)	)	PUNCT
fsr-3293	211	180	0.001	0.001	NUM
fsr-3293	211	181	�	�	NOUN
fsr-3293	211	182	0.46	0.46	NUM
fsr-3293	211	183	(	(	PUNCT
fsr-3293	211	184	0.35	0.35	NUM
fsr-3293	211	185	)	)	PUNCT
fsr-3293	211	186	0.199	0.199	NUM
fsr-3293	211	187	hispanic	hispanic	NOUN
fsr-3293	211	188	0.73	0.73	NUM
fsr-3293	211	189	(	(	PUNCT
fsr-3293	211	190	0.24	0.24	NUM
fsr-3293	211	191	)	)	PUNCT
fsr-3293	211	192	0.003	0.003	NUM
fsr-3293	211	193	0.32	0.32	NUM
fsr-3293	211	194	(	(	PUNCT
fsr-3293	211	195	0.83	0.83	NUM
fsr-3293	211	196	)	)	PUNCT
fsr-3293	211	197	0.699	0.699	NUM
fsr-3293	211	198	0.25	0.25	NUM
fsr-3293	211	199	(	(	PUNCT
fsr-3293	211	200	0.37	0.37	NUM
fsr-3293	211	201	)	)	PUNCT
fsr-3293	211	202	0.506	0.506	NUM
fsr-3293	211	203	other	other	ADJ
fsr-3293	211	204	�	�	PROPN
fsr-3293	211	205	0.92	0.92	NUM
fsr-3293	211	206	(	(	PUNCT
fsr-3293	211	207	0.33	0.33	NUM
fsr-3293	211	208	)	)	PUNCT
fsr-3293	211	209	0.005	0.005	NUM
fsr-3293	211	210	0.87	0.87	NUM
fsr-3293	211	211	(	(	PUNCT
fsr-3293	211	212	0.73	0.73	NUM
fsr-3293	211	213	)	)	PUNCT
fsr-3293	211	214	0.232	0.232	NUM
fsr-3293	211	215	�	�	PROPN
fsr-3293	211	216	1.24	1.24	NUM
fsr-3293	211	217	(	(	PUNCT
fsr-3293	211	218	0.45	0.45	NUM
fsr-3293	211	219	)	)	PUNCT
fsr-3293	211	220	0.006	0.006	NUM
fsr-3293	211	221	education	education	NOUN
fsr-3293	211	222	(	(	PUNCT
fsr-3293	211	223	no	no	DET
fsr-3293	211	224	high	high	ADJ
fsr-3293	211	225	school	school	NOUN
fsr-3293	211	226	diploma	diploma	NOUN
fsr-3293	211	227	)	)	PUNCT
fsr-3293	211	228	high	high	ADJ
fsr-3293	211	229	school	school	NOUN
fsr-3293	211	230	0.80	0.80	NUM
fsr-3293	211	231	(	(	PUNCT
fsr-3293	211	232	0.29	0.29	NUM
fsr-3293	211	233	)	)	PUNCT
fsr-3293	211	234	0.006	0.006	NUM
fsr-3293	211	235	�	�	X
fsr-3293	211	236	0.16	0.16	NUM
fsr-3293	211	237	(	(	PUNCT
fsr-3293	211	238	0.66	0.66	NUM
fsr-3293	211	239	)	)	PUNCT
fsr-3293	211	240	0.806	0.806	NUM
fsr-3293	211	241	1.02	1.02	NUM
fsr-3293	211	242	(	(	PUNCT
fsr-3293	211	243	0.40	0.40	NUM
fsr-3293	211	244	)	)	PUNCT
fsr-3293	211	245	0.010	0.010	NUM
fsr-3293	211	246	some	some	DET
fsr-3293	211	247	college	college	NOUN
fsr-3293	211	248	1.44	1.44	NUM
fsr-3293	211	249	(	(	PUNCT
fsr-3293	211	250	0.31	0.31	NUM
fsr-3293	211	251	)	)	PUNCT
fsr-3293	211	252	�	�	PROPN
fsr-3293	211	253	.001	.001	NUM
fsr-3293	211	254	0.83	0.83	NUM
fsr-3293	211	255	(	(	PUNCT
fsr-3293	211	256	0.59	0.59	NUM
fsr-3293	211	257	)	)	PUNCT
fsr-3293	211	258	0.158	0.158	NUM
fsr-3293	211	259	1.46	1.46	NUM
fsr-3293	211	260	(	(	PUNCT
fsr-3293	211	261	0.41	0.41	NUM
fsr-3293	211	262	)	)	PUNCT
fsr-3293	211	263	�	�	PROPN
fsr-3293	211	264	.001	.001	NUM
fsr-3293	211	265	bachelor	bachelor	PROPN
fsr-3293	211	266	’s	’s	PART
fsr-3293	211	267	1.24	1.24	NUM
fsr-3293	211	268	(	(	PUNCT
fsr-3293	211	269	0.34	0.34	NUM
fsr-3293	211	270	)	)	PUNCT
fsr-3293	211	271	�	�	PROPN
fsr-3293	211	272	.001	.001	NUM
fsr-3293	211	273	�	�	PROPN
fsr-3293	211	274	0.14	0.14	NUM
fsr-3293	211	275	(	(	PUNCT
fsr-3293	211	276	0.66	0.66	NUM
fsr-3293	211	277	)	)	PUNCT
fsr-3293	211	278	0.833	0.833	NUM
fsr-3293	211	279	1.20	1.20	NUM
fsr-3293	211	280	(	(	PUNCT
fsr-3293	211	281	0.45	0.45	NUM
fsr-3293	211	282	)	)	PUNCT
fsr-3293	211	283	0.007	0.007	NUM
fsr-3293	211	284	graduate	graduate	NOUN
fsr-3293	211	285	0.70	0.70	NUM
fsr-3293	211	286	(	(	PUNCT
fsr-3293	211	287	0.36	0.36	NUM
fsr-3293	211	288	)	)	PUNCT
fsr-3293	211	289	0.056	0.056	NUM
fsr-3293	211	290	�	�	PROPN
fsr-3293	211	291	0.30	0.30	NUM
fsr-3293	211	292	(	(	PUNCT
fsr-3293	211	293	0.72	0.72	NUM
fsr-3293	211	294	)	)	PUNCT
fsr-3293	211	295	0.680	0.680	NUM
fsr-3293	211	296	0.99	0.99	NUM
fsr-3293	211	297	(	(	PUNCT
fsr-3293	211	298	0.50	0.50	NUM
fsr-3293	211	299	)	)	PUNCT
fsr-3293	211	300	0.048	0.048	NUM
fsr-3293	211	301	log	log	NOUN
fsr-3293	211	302	of	of	ADP
fsr-3293	211	303	income	income	NOUN
fsr-3293	211	304	0.07	0.07	NUM
fsr-3293	211	305	(	(	PUNCT
fsr-3293	211	306	0.07	0.07	NUM
fsr-3293	211	307	)	)	PUNCT
fsr-3293	211	308	0.316	0.316	NUM
fsr-3293	211	309	�	�	PROPN
fsr-3293	211	310	0.53	0.53	NUM
fsr-3293	211	311	(	(	PUNCT
fsr-3293	211	312	0.18	0.18	NUM
fsr-3293	211	313	)	)	PUNCT
fsr-3293	211	314	0.004	0.004	NUM
fsr-3293	211	315	0.03	0.03	NUM
fsr-3293	211	316	(	(	PUNCT
fsr-3293	211	317	0.09	0.09	NUM
fsr-3293	211	318	)	)	PUNCT
fsr-3293	211	319	0.783	0.783	NUM
fsr-3293	211	320	have	have	VERB
fsr-3293	211	321	kids	kid	NOUN
fsr-3293	211	322	�	�	PROPN
fsr-3293	211	323	0.06	0.06	NUM
fsr-3293	211	324	(	(	PUNCT
fsr-3293	211	325	0.06	0.06	NUM
fsr-3293	211	326	)	)	PUNCT
fsr-3293	211	327	0.324	0.324	NUM
fsr-3293	211	328	�	�	NOUN
fsr-3293	211	329	0.04	0.04	NUM
fsr-3293	211	330	(	(	PUNCT
fsr-3293	211	331	0.19	0.19	NUM
fsr-3293	211	332	)	)	PUNCT
fsr-3293	211	333	0.840	0.840	NUM
fsr-3293	211	334	�	�	PROPN
fsr-3293	211	335	0.06	0.06	NUM
fsr-3293	211	336	(	(	PUNCT
fsr-3293	211	337	0.09	0.09	NUM
fsr-3293	211	338	)	)	PUNCT
fsr-3293	211	339	0.483	0.483	NUM
fsr-3293	211	340	perceived	perceive	VERB
fsr-3293	211	341	poor	poor	ADJ
fsr-3293	211	342	health	health	NOUN
fsr-3293	211	343	�	�	PROPN
fsr-3293	211	344	0.58	0.58	NUM
fsr-3293	211	345	(	(	PUNCT
fsr-3293	211	346	0.17	0.17	NUM
fsr-3293	211	347	)	)	PUNCT
fsr-3293	211	348	0.001	0.001	NUM
fsr-3293	211	349	�	�	PROPN
fsr-3293	211	350	1.02	1.02	NUM
fsr-3293	211	351	(	(	PUNCT
fsr-3293	211	352	0.46	0.46	NUM
fsr-3293	211	353	)	)	PUNCT
fsr-3293	211	354	0.027	0.027	NUM
fsr-3293	211	355	�	�	PROPN
fsr-3293	211	356	0.33	0.33	NUM
fsr-3293	211	357	(	(	PUNCT
fsr-3293	211	358	0.28	0.28	NUM
fsr-3293	211	359	)	)	PUNCT
fsr-3293	211	360	0.234	0.234	NUM
fsr-3293	211	361	understand	understand	VERB
fsr-3293	211	362	scf	scf	PROPN
fsr-3293	211	363	questions	question	NOUN
fsr-3293	211	364	?	?	PUNCT
fsr-3293	212	1	(	(	PUNCT
fsr-3293	212	2	good	good	ADJ
fsr-3293	212	3	)	)	PUNCT
fsr-3293	212	4	poor	poor	ADJ
fsr-3293	212	5	/	/	SYM
fsr-3293	212	6	fair	fair	ADJ
fsr-3293	212	7	�	�	PROPN
fsr-3293	212	8	0.36	0.36	NUM
fsr-3293	212	9	(	(	PUNCT
fsr-3293	212	10	0.25	0.25	NUM
fsr-3293	212	11	)	)	PUNCT
fsr-3293	212	12	0.157	0.157	NUM
fsr-3293	212	13	�	�	NOUN
fsr-3293	212	14	1.41	1.41	NUM
fsr-3293	212	15	(	(	PUNCT
fsr-3293	212	16	0.79	0.79	NUM
fsr-3293	212	17	)	)	PUNCT
fsr-3293	212	18	0.075	0.075	NUM
fsr-3293	212	19	0.13	0.13	NUM
fsr-3293	212	20	(	(	PUNCT
fsr-3293	212	21	0.44	0.44	NUM
fsr-3293	212	22	)	)	PUNCT
fsr-3293	212	23	0.761	0.761	NUM
fsr-3293	212	24	excellent	excellent	ADJ
fsr-3293	212	25	�	�	PROPN
fsr-3293	212	26	0.06	0.06	NUM
fsr-3293	212	27	(	(	PUNCT
fsr-3293	212	28	0.14	0.14	NUM
fsr-3293	212	29	)	)	PUNCT
fsr-3293	212	30	0.691	0.691	NUM
fsr-3293	212	31	0.07	0.07	NUM
fsr-3293	212	32	(	(	PUNCT
fsr-3293	212	33	0.33	0.33	NUM
fsr-3293	212	34	)	)	PUNCT
fsr-3293	212	35	0.839	0.839	NUM
fsr-3293	212	36	�	�	PROPN
fsr-3293	212	37	0.12	0.12	NUM
fsr-3293	212	38	(	(	PUNCT
fsr-3293	212	39	0.24	0.24	NUM
fsr-3293	212	40	)	)	PUNCT
fsr-3293	212	41	0.605	0.605	NUM
fsr-3293	212	42	having	have	VERB
fsr-3293	212	43	retirement	retirement	NOUN
fsr-3293	212	44	plan	plan	NOUN
fsr-3293	212	45	0.46	0.46	NUM
fsr-3293	212	46	(	(	PUNCT
fsr-3293	212	47	0.14	0.14	NUM
fsr-3293	212	48	)	)	PUNCT
fsr-3293	212	49	0.002	0.002	NUM
fsr-3293	212	50	0.92	0.92	NUM
fsr-3293	212	51	(	(	PUNCT
fsr-3293	212	52	0.34	0.34	NUM
fsr-3293	212	53	)	)	PUNCT
fsr-3293	212	54	0.006	0.006	NUM
fsr-3293	212	55	0.57	0.57	NUM
fsr-3293	212	56	(	(	PUNCT
fsr-3293	212	57	0.21	0.21	NUM
fsr-3293	212	58	)	)	PUNCT
fsr-3293	212	59	0.007	0.007	NUM
fsr-3293	212	60	access	access	NOUN
fsr-3293	212	61	to	to	ADP
fsr-3293	212	62	$	$	SYM
fsr-3293	212	63	3,000	3,000	NUM
fsr-3293	212	64	0.27	0.27	NUM
fsr-3293	212	65	(	(	PUNCT
fsr-3293	212	66	0.15	0.15	NUM
fsr-3293	212	67	)	)	PUNCT
fsr-3293	212	68	0.074	0.074	NUM
fsr-3293	212	69	0.82	0.82	NUM
fsr-3293	212	70	(	(	PUNCT
fsr-3293	212	71	0.33	0.33	NUM
fsr-3293	212	72	)	)	PUNCT
fsr-3293	212	73	0.013	0.013	NUM
fsr-3293	212	74	0.51	0.51	NUM
fsr-3293	212	75	(	(	PUNCT
fsr-3293	212	76	0.25	0.25	NUM
fsr-3293	212	77	)	)	PUNCT
fsr-3293	212	78	0.039	0.039	NUM
fsr-3293	212	79	planning	plan	VERB
fsr-3293	212	80	horizon	horizon	NOUN
fsr-3293	212	81	(	(	PUNCT
fsr-3293	212	82	long	long	ADJ
fsr-3293	212	83	)	)	PUNCT
fsr-3293	212	84	short	short	ADJ
fsr-3293	212	85	0.99	0.99	NUM
fsr-3293	212	86	(	(	PUNCT
fsr-3293	212	87	0.21	0.21	NUM
fsr-3293	212	88	)	)	PUNCT
fsr-3293	212	89	�	�	PROPN
fsr-3293	212	90	.001	.001	NUM
fsr-3293	212	91	1.25	1.25	NUM
fsr-3293	212	92	(	(	PUNCT
fsr-3293	212	93	0.51	0.51	NUM
fsr-3293	212	94	)	)	PUNCT
fsr-3293	212	95	0.015	0.015	NUM
fsr-3293	212	96	0.65	0.65	NUM
fsr-3293	212	97	(	(	PUNCT
fsr-3293	212	98	0.38	0.38	NUM
fsr-3293	212	99	)	)	PUNCT
fsr-3293	212	100	0.087	0.087	NUM
fsr-3293	212	101	intermediate	intermediate	ADJ
fsr-3293	212	102	0.59	0.59	NUM
fsr-3293	212	103	(	(	PUNCT
fsr-3293	212	104	0.18	0.18	NUM
fsr-3293	212	105	)	)	PUNCT
fsr-3293	212	106	0.001	0.001	NUM
fsr-3293	212	107	0.52	0.52	NUM
fsr-3293	212	108	(	(	PUNCT
fsr-3293	212	109	0.45	0.45	NUM
fsr-3293	212	110	)	)	PUNCT
fsr-3293	212	111	0.253	0.253	NUM
fsr-3293	212	112	0.69	0.69	NUM
fsr-3293	212	113	(	(	PUNCT
fsr-3293	212	114	0.36	0.36	NUM
fsr-3293	212	115	)	)	PUNCT
fsr-3293	212	116	0.054	0.054	NUM
fsr-3293	212	117	constant	constant	ADJ
fsr-3293	212	118	0.78	0.78	NUM
fsr-3293	212	119	(	(	PUNCT
fsr-3293	212	120	0.86	0.86	NUM
fsr-3293	212	121	)	)	PUNCT
fsr-3293	212	122	0.364	0.364	NUM
fsr-3293	212	123	8.24	8.24	NUM
fsr-3293	212	124	(	(	PUNCT
fsr-3293	212	125	2.11	2.11	NUM
fsr-3293	212	126	)	)	PUNCT
fsr-3293	212	127	�	�	NOUN
fsr-3293	212	128	.001	.001	NUM
fsr-3293	212	129	0.95	0.95	NUM
fsr-3293	212	130	(	(	PUNCT
fsr-3293	212	131	1.26	1.26	NUM
fsr-3293	212	132	)	)	PUNCT
fsr-3293	212	133	0.447	0.447	NUM
fsr-3293	212	134	r2	r2	NOUN
fsr-3293	212	135	0.05	0.05	NUM
fsr-3293	212	136	0.09	0.09	NUM
fsr-3293	212	137	0.04	0.04	NUM
fsr-3293	212	138	f	f	NOUN
fsr-3293	212	139	5.39	5.39	NUM
fsr-3293	212	140	2.30	2.30	NUM
fsr-3293	212	141	2.06	2.06	NUM
fsr-3293	212	142	source	source	NOUN
fsr-3293	212	143	:	:	PUNCT
fsr-3293	212	144	weighted	weight	VERB
fsr-3293	212	145	analysis	analysis	NOUN
fsr-3293	212	146	of	of	ADP
fsr-3293	212	147	the	the	DET
fsr-3293	212	148	2013	2013	NUM
fsr-3293	212	149	survey	survey	NOUN
fsr-3293	212	150	of	of	ADP
fsr-3293	212	151	consumer	consumer	NOUN
fsr-3293	212	152	finances	finance	NOUN
fsr-3293	212	153	;	;	PUNCT
fsr-3293	212	154	rii	rii	NOUN
fsr-3293	212	155	technique	technique	NOUN
fsr-3293	212	156	and	and	CCONJ
fsr-3293	212	157	bootstrapping	bootstrapping	NOUN
fsr-3293	212	158	used	use	VERB
fsr-3293	212	159	.	.	PUNCT
fsr-3293	213	1	note	note	NOUN
fsr-3293	213	2	:	:	PUNCT
fsr-3293	213	3	analysis	analysis	NOUN
fsr-3293	213	4	includes	include	VERB
fsr-3293	213	5	only	only	ADV
fsr-3293	213	6	those	those	PRON
fsr-3293	213	7	that	that	PRON
fsr-3293	213	8	are	be	AUX
fsr-3293	213	9	full	full	ADJ
fsr-3293	213	10	-	-	PUNCT
fsr-3293	213	11	time	time	NOUN
fsr-3293	213	12	,	,	PUNCT
fsr-3293	213	13	expect	expect	VERB
fsr-3293	213	14	to	to	PART
fsr-3293	213	15	retire	retire	VERB
fsr-3293	213	16	,	,	PUNCT
fsr-3293	213	17	and	and	CCONJ
fsr-3293	213	18	have	have	VERB
fsr-3293	213	19	a	a	DET
fsr-3293	213	20	retirement	retirement	NOUN
fsr-3293	213	21	life	life	NOUN
fsr-3293	213	22	expectancy	expectancy	NOUN
fsr-3293	213	23	greater	great	ADJ
fsr-3293	213	24	than	than	ADP
fsr-3293	213	25	zero	zero	NUM
fsr-3293	213	26	.	.	PUNCT
fsr-3293	214	1	13d.r	13d.r	NUM
fsr-3293	214	2	.	.	PUNCT
fsr-3293	215	1	lawson	lawson	PROPN
fsr-3293	215	2	,	,	PUNCT
fsr-3293	215	3	s.j	s.j	PROPN
fsr-3293	215	4	.	.	PROPN
fsr-3293	215	5	heckman	heckman	PROPN
fsr-3293	215	6	/	/	SYM
fsr-3293	215	7	financial	financial	PROPN
fsr-3293	215	8	services	service	NOUN
fsr-3293	215	9	review	review	VERB
fsr-3293	215	10	26	26	NUM
fsr-3293	215	11	(	(	PUNCT
fsr-3293	215	12	2017	2017	NUM
fsr-3293	215	13	)	)	PUNCT
fsr-3293	215	14	1–18	1–18	PROPN
fsr-3293	215	15	(	(	PUNCT
fsr-3293	215	16	b	b	PROPN
fsr-3293	215	17	�	�	PROPN
fsr-3293	215	18	�	�	PROPN
fsr-3293	215	19	0.13	0.13	NUM
fsr-3293	215	20	,	,	PUNCT
fsr-3293	215	21	se	se	X
fsr-3293	215	22	�	�	PROPN
fsr-3293	215	23	0.03	0.03	NUM
fsr-3293	215	24	,	,	PUNCT
fsr-3293	215	25	p	p	PROPN
fsr-3293	215	26	�	�	PROPN
fsr-3293	215	27	0.001	0.001	NUM
fsr-3293	215	28	,	,	PUNCT
fsr-3293	215	29	or	or	CCONJ
fsr-3293	215	30	�	�	PROPN
fsr-3293	215	31	0.88	0.88	NUM
fsr-3293	215	32	)	)	PUNCT
fsr-3293	215	33	.	.	PUNCT
fsr-3293	216	1	for	for	ADP
fsr-3293	216	2	individuals	individual	NOUN
fsr-3293	216	3	further	far	ADV
fsr-3293	216	4	from	from	ADP
fsr-3293	216	5	retirement	retirement	NOUN
fsr-3293	216	6	,	,	PUNCT
fsr-3293	216	7	rle	rle	PROPN
fsr-3293	216	8	is	be	AUX
fsr-3293	216	9	significant	significant	ADJ
fsr-3293	216	10	and	and	CCONJ
fsr-3293	216	11	positively	positively	ADV
fsr-3293	216	12	associated	associate	VERB
fsr-3293	216	13	with	with	ADP
fsr-3293	216	14	saving	save	VERB
fsr-3293	216	15	while	while	SCONJ
fsr-3293	216	16	rwle	rwle	ADV
fsr-3293	216	17	did	do	AUX
fsr-3293	216	18	not	not	PART
fsr-3293	216	19	have	have	VERB
fsr-3293	216	20	a	a	DET
fsr-3293	216	21	significant	significant	ADJ
fsr-3293	216	22	effect	effect	NOUN
fsr-3293	216	23	.	.	PUNCT
fsr-3293	217	1	4	4	X
fsr-3293	217	2	.	.	X
fsr-3293	217	3	discussion	discussion	NOUN
fsr-3293	217	4	when	when	SCONJ
fsr-3293	217	5	breaking	break	VERB
fsr-3293	217	6	down	down	ADP
fsr-3293	217	7	subjective	subjective	ADJ
fsr-3293	217	8	estimates	estimate	NOUN
fsr-3293	217	9	of	of	ADP
fsr-3293	217	10	life	life	NOUN
fsr-3293	217	11	expectancy	expectancy	NOUN
fsr-3293	217	12	into	into	ADP
fsr-3293	217	13	a	a	DET
fsr-3293	217	14	retirement	retirement	NOUN
fsr-3293	217	15	life	life	NOUN
fsr-3293	217	16	expectancy	expectancy	NOUN
fsr-3293	217	17	period	period	NOUN
fsr-3293	217	18	and	and	CCONJ
fsr-3293	217	19	a	a	DET
fsr-3293	217	20	remaining	remain	VERB
fsr-3293	217	21	work	work	NOUN
fsr-3293	217	22	life	life	NOUN
fsr-3293	217	23	expectancy	expectancy	NOUN
fsr-3293	217	24	period	period	NOUN
fsr-3293	217	25	,	,	PUNCT
fsr-3293	217	26	there	there	PRON
fsr-3293	217	27	is	be	VERB
fsr-3293	217	28	confusing	confusing	ADJ
fsr-3293	217	29	,	,	PUNCT
fsr-3293	217	30	contradictory	contradictory	ADJ
fsr-3293	217	31	,	,	PUNCT
fsr-3293	217	32	and	and	CCONJ
fsr-3293	217	33	ultimately	ultimately	ADV
fsr-3293	217	34	very	very	ADV
fsr-3293	217	35	little	little	ADJ
fsr-3293	217	36	influence	influence	NOUN
fsr-3293	217	37	on	on	ADP
fsr-3293	217	38	household	household	NOUN
fsr-3293	217	39	consumption	consumption	NOUN
fsr-3293	217	40	decisions	decision	NOUN
fsr-3293	217	41	.	.	PUNCT
fsr-3293	218	1	retirement	retirement	NOUN
fsr-3293	218	2	table	table	NOUN
fsr-3293	218	3	4	4	NUM
fsr-3293	218	4	logistic	logistic	ADJ
fsr-3293	218	5	regressions	regression	NOUN
fsr-3293	218	6	on	on	ADP
fsr-3293	218	7	the	the	DET
fsr-3293	218	8	likelihood	likelihood	NOUN
fsr-3293	218	9	of	of	ADP
fsr-3293	218	10	saving	saving	NOUN
fsr-3293	218	11	,	,	PUNCT
fsr-3293	218	12	full	full	ADJ
fsr-3293	218	13	sample	sample	NOUN
fsr-3293	218	14	of	of	ADP
fsr-3293	218	15	full	full	ADJ
fsr-3293	218	16	-	-	PUNCT
fsr-3293	218	17	time	time	NOUN
fsr-3293	218	18	workers	worker	NOUN
fsr-3293	218	19	,	,	PUNCT
fsr-3293	218	20	sample	sample	NOUN
fsr-3293	218	21	of	of	ADP
fsr-3293	218	22	those	those	PRON
fsr-3293	218	23	near	near	ADP
fsr-3293	218	24	retirement	retirement	NOUN
fsr-3293	218	25	,	,	PUNCT
fsr-3293	218	26	and	and	CCONJ
fsr-3293	218	27	sample	sample	NOUN
fsr-3293	218	28	of	of	ADP
fsr-3293	218	29	those	those	DET
fsr-3293	218	30	more	more	ADJ
fsr-3293	218	31	than	than	ADP
fsr-3293	218	32	10	10	NUM
fsr-3293	218	33	years	year	NOUN
fsr-3293	218	34	from	from	ADP
fsr-3293	218	35	retirement	retirement	NOUN
fsr-3293	218	36	full	full	ADJ
fsr-3293	218	37	model	model	NOUN
fsr-3293	218	38	0–10	0–10	PROPN
fsr-3293	218	39	years	year	NOUN
fsr-3293	218	40	11	11	NUM
fsr-3293	218	41	�	�	NOUN
fsr-3293	218	42	years	year	NOUN
fsr-3293	218	43	(	(	PUNCT
fsr-3293	218	44	n	n	X
fsr-3293	218	45	�	�	PROPN
fsr-3293	218	46	2,632	2,632	NUM
fsr-3293	218	47	)	)	PUNCT
fsr-3293	218	48	(	(	PUNCT
fsr-3293	218	49	n	n	X
fsr-3293	218	50	�	�	PROPN
fsr-3293	218	51	617	617	NUM
fsr-3293	218	52	)	)	PUNCT
fsr-3293	218	53	(	(	PUNCT
fsr-3293	218	54	n	n	X
fsr-3293	218	55	�	�	PROPN
fsr-3293	218	56	1,212	1,212	NUM
fsr-3293	218	57	)	)	PUNCT
fsr-3293	218	58	variables	variable	NOUN
fsr-3293	218	59	(	(	PUNCT
fsr-3293	218	60	reference	reference	NOUN
fsr-3293	218	61	group	group	NOUN
fsr-3293	218	62	)	)	PUNCT
fsr-3293	218	63	b	b	PROPN
fsr-3293	218	64	se	se	X
fsr-3293	218	65	.	.	PUNCT
fsr-3293	219	1	b	b	X
fsr-3293	219	2	p	p	NOUN
fsr-3293	219	3	or	or	CCONJ
fsr-3293	219	4	b	b	NOUN
fsr-3293	219	5	se	se	X
fsr-3293	219	6	.	.	PUNCT
fsr-3293	220	1	b	b	X
fsr-3293	220	2	p	p	NOUN
fsr-3293	220	3	or	or	CCONJ
fsr-3293	220	4	b	b	NOUN
fsr-3293	220	5	se	se	X
fsr-3293	220	6	.	.	PUNCT
fsr-3293	221	1	b	b	X
fsr-3293	221	2	p	p	NOUN
fsr-3293	221	3	or	or	CCONJ
fsr-3293	221	4	retirement	retirement	NOUN
fsr-3293	221	5	life	life	NOUN
fsr-3293	221	6	expectancy	expectancy	NOUN
fsr-3293	221	7	0.01	0.01	NUM
fsr-3293	221	8	(	(	PUNCT
fsr-3293	221	9	0.00	0.00	NUM
fsr-3293	221	10	)	)	PUNCT
fsr-3293	221	11	0.014	0.014	NUM
fsr-3293	221	12	1.01	1.01	NUM
fsr-3293	221	13	�	�	PROPN
fsr-3293	221	14	0.02	0.02	NUM
fsr-3293	221	15	(	(	PUNCT
fsr-3293	221	16	0.01	0.01	NUM
fsr-3293	221	17	)	)	PUNCT
fsr-3293	221	18	0.054	0.054	NUM
fsr-3293	221	19	0.98	0.98	NUM
fsr-3293	221	20	0.01	0.01	NUM
fsr-3293	221	21	(	(	PUNCT
fsr-3293	221	22	0.01	0.01	NUM
fsr-3293	221	23	)	)	PUNCT
fsr-3293	221	24	0.045	0.045	NUM
fsr-3293	221	25	1.01	1.01	NUM
fsr-3293	221	26	remaining	remain	VERB
fsr-3293	221	27	work	work	NOUN
fsr-3293	221	28	life	life	NOUN
fsr-3293	221	29	expectancy	expectancy	NOUN
fsr-3293	221	30	0.01	0.01	NUM
fsr-3293	221	31	(	(	PUNCT
fsr-3293	221	32	0.00	0.00	NUM
fsr-3293	221	33	)	)	PUNCT
fsr-3293	221	34	0.159	0.159	NUM
fsr-3293	221	35	1.01	1.01	NUM
fsr-3293	221	36	�	�	NOUN
fsr-3293	221	37	0.13	0.13	NUM
fsr-3293	221	38	(	(	PUNCT
fsr-3293	221	39	0.03	0.03	NUM
fsr-3293	221	40	)	)	PUNCT
fsr-3293	221	41	�	�	PROPN
fsr-3293	221	42	.001	.001	NUM
fsr-3293	221	43	0.88	0.88	NUM
fsr-3293	221	44	�	�	PROPN
fsr-3293	221	45	0.02	0.02	NUM
fsr-3293	221	46	(	(	PUNCT
fsr-3293	221	47	0.01	0.01	NUM
fsr-3293	221	48	)	)	PUNCT
fsr-3293	221	49	0.093	0.093	NUM
fsr-3293	221	50	0.98	0.98	NUM
fsr-3293	221	51	own	own	ADJ
fsr-3293	221	52	’s	’s	NOUN
fsr-3293	221	53	home	home	NOUN
fsr-3293	221	54	0.10	0.10	NUM
fsr-3293	221	55	(	(	PUNCT
fsr-3293	221	56	0.10	0.10	NUM
fsr-3293	221	57	)	)	PUNCT
fsr-3293	221	58	0.344	0.344	NUM
fsr-3293	221	59	1.10	1.10	NUM
fsr-3293	221	60	0.46	0.46	NUM
fsr-3293	221	61	(	(	PUNCT
fsr-3293	221	62	0.29	0.29	NUM
fsr-3293	221	63	)	)	PUNCT
fsr-3293	221	64	0.120	0.120	NUM
fsr-3293	221	65	1.58	1.58	NUM
fsr-3293	221	66	�	�	NOUN
fsr-3293	221	67	0.11	0.11	NUM
fsr-3293	221	68	(	(	PUNCT
fsr-3293	221	69	0.16	0.16	NUM
fsr-3293	221	70	)	)	PUNCT
fsr-3293	221	71	0.480	0.480	NUM
fsr-3293	221	72	0.89	0.89	NUM
fsr-3293	221	73	bequest	bequest	NOUN
fsr-3293	221	74	motive	motive	NOUN
fsr-3293	221	75	0.19	0.19	NUM
fsr-3293	221	76	(	(	PUNCT
fsr-3293	221	77	0.08	0.08	NUM
fsr-3293	221	78	)	)	PUNCT
fsr-3293	221	79	0.015	0.015	NUM
fsr-3293	221	80	1.21	1.21	NUM
fsr-3293	221	81	�	�	NOUN
fsr-3293	221	82	0.01	0.01	NUM
fsr-3293	221	83	(	(	PUNCT
fsr-3293	221	84	0.24	0.24	NUM
fsr-3293	221	85	)	)	PUNCT
fsr-3293	221	86	0.959	0.959	NUM
fsr-3293	221	87	0.99	0.99	NUM
fsr-3293	221	88	0.02	0.02	NUM
fsr-3293	221	89	(	(	PUNCT
fsr-3293	221	90	0.13	0.13	NUM
fsr-3293	221	91	)	)	PUNCT
fsr-3293	221	92	0.894	0.894	NUM
fsr-3293	221	93	1.02	1.02	NUM
fsr-3293	221	94	receive	receive	VERB
fsr-3293	221	95	inheritance	inheritance	NOUN
fsr-3293	221	96	�	�	PROPN
fsr-3293	221	97	0.14	0.14	NUM
fsr-3293	221	98	(	(	PUNCT
fsr-3293	221	99	0.12	0.12	NUM
fsr-3293	221	100	)	)	PUNCT
fsr-3293	221	101	0.255	0.255	NUM
fsr-3293	221	102	0.87	0.87	NUM
fsr-3293	221	103	0.29	0.29	NUM
fsr-3293	221	104	(	(	PUNCT
fsr-3293	221	105	0.33	0.33	NUM
fsr-3293	221	106	)	)	PUNCT
fsr-3293	221	107	0.392	0.392	NUM
fsr-3293	221	108	1.33	1.33	NUM
fsr-3293	221	109	�	�	NOUN
fsr-3293	221	110	0.03	0.03	NUM
fsr-3293	221	111	(	(	PUNCT
fsr-3293	221	112	0.16	0.16	NUM
fsr-3293	221	113	)	)	PUNCT
fsr-3293	221	114	0.840	0.840	NUM
fsr-3293	221	115	0.97	0.97	NUM
fsr-3293	221	116	relationship	relationship	NOUN
fsr-3293	221	117	status	status	NOUN
fsr-3293	221	118	(	(	PUNCT
fsr-3293	221	119	married	married	ADJ
fsr-3293	221	120	)	)	PUNCT
fsr-3293	221	121	single	single	ADJ
fsr-3293	221	122	male	male	NOUN
fsr-3293	221	123	0.37	0.37	NUM
fsr-3293	221	124	(	(	PUNCT
fsr-3293	221	125	0.16	0.16	NUM
fsr-3293	221	126	)	)	PUNCT
fsr-3293	221	127	0.017	0.017	NUM
fsr-3293	221	128	1.45	1.45	NUM
fsr-3293	221	129	1.33	1.33	NUM
fsr-3293	221	130	(	(	PUNCT
fsr-3293	221	131	0.48	0.48	NUM
fsr-3293	221	132	)	)	PUNCT
fsr-3293	221	133	0.006	0.006	NUM
fsr-3293	221	134	3.77	3.77	NUM
fsr-3293	221	135	0.10	0.10	NUM
fsr-3293	221	136	(	(	PUNCT
fsr-3293	221	137	0.23	0.23	NUM
fsr-3293	221	138	)	)	PUNCT
fsr-3293	221	139	0.676	0.676	NUM
fsr-3293	221	140	1.10	1.10	NUM
fsr-3293	221	141	single	single	ADJ
fsr-3293	221	142	female	female	ADJ
fsr-3293	221	143	�	�	NOUN
fsr-3293	221	144	0.13	0.13	NUM
fsr-3293	221	145	(	(	PUNCT
fsr-3293	221	146	0.13	0.13	NUM
fsr-3293	221	147	)	)	PUNCT
fsr-3293	221	148	0.328	0.328	NUM
fsr-3293	221	149	0.88	0.88	NUM
fsr-3293	221	150	0.07	0.07	NUM
fsr-3293	221	151	(	(	PUNCT
fsr-3293	221	152	0.35	0.35	NUM
fsr-3293	221	153	)	)	PUNCT
fsr-3293	221	154	0.848	0.848	NUM
fsr-3293	221	155	1.07	1.07	NUM
fsr-3293	221	156	�	�	NOUN
fsr-3293	221	157	0.34	0.34	NUM
fsr-3293	221	158	(	(	PUNCT
fsr-3293	221	159	0.17	0.17	NUM
fsr-3293	221	160	)	)	PUNCT
fsr-3293	221	161	0.043	0.043	NUM
fsr-3293	221	162	0.71	0.71	NUM
fsr-3293	221	163	partner	partner	NOUN
fsr-3293	221	164	0.28	0.28	NUM
fsr-3293	221	165	(	(	PUNCT
fsr-3293	221	166	0.13	0.13	NUM
fsr-3293	221	167	)	)	PUNCT
fsr-3293	221	168	0.030	0.030	NUM
fsr-3293	221	169	1.32	1.32	NUM
fsr-3293	221	170	0.92	0.92	NUM
fsr-3293	221	171	(	(	PUNCT
fsr-3293	221	172	0.66	0.66	NUM
fsr-3293	221	173	)	)	PUNCT
fsr-3293	221	174	0.161	0.161	NUM
fsr-3293	221	175	2.50	2.50	NUM
fsr-3293	221	176	0.16	0.16	NUM
fsr-3293	221	177	(	(	PUNCT
fsr-3293	221	178	0.18	0.18	NUM
fsr-3293	221	179	)	)	PUNCT
fsr-3293	221	180	0.379	0.379	NUM
fsr-3293	221	181	1.17	1.17	NUM
fsr-3293	221	182	racial	racial	ADJ
fsr-3293	221	183	/	/	SYM
fsr-3293	221	184	ethnic	ethnic	ADJ
fsr-3293	221	185	status	status	NOUN
fsr-3293	221	186	(	(	PUNCT
fsr-3293	221	187	white	white	ADJ
fsr-3293	221	188	)	)	PUNCT
fsr-3293	221	189	black	black	ADJ
fsr-3293	221	190	�	�	PROPN
fsr-3293	221	191	0.13	0.13	NUM
fsr-3293	221	192	(	(	PUNCT
fsr-3293	221	193	0.12	0.12	NUM
fsr-3293	221	194	)	)	PUNCT
fsr-3293	221	195	0.302	0.302	NUM
fsr-3293	221	196	0.88	0.88	NUM
fsr-3293	221	197	�	�	NOUN
fsr-3293	221	198	0.27	0.27	NUM
fsr-3293	221	199	(	(	PUNCT
fsr-3293	221	200	0.34	0.34	NUM
fsr-3293	221	201	)	)	PUNCT
fsr-3293	221	202	0.430	0.430	NUM
fsr-3293	221	203	0.77	0.77	NUM
fsr-3293	221	204	0.01	0.01	NUM
fsr-3293	221	205	(	(	PUNCT
fsr-3293	221	206	0.18	0.18	NUM
fsr-3293	221	207	)	)	PUNCT
fsr-3293	221	208	0.947	0.947	NUM
fsr-3293	221	209	1.01	1.01	NUM
fsr-3293	221	210	hispanic	hispanic	ADJ
fsr-3293	221	211	�	�	PROPN
fsr-3293	221	212	0.34	0.34	NUM
fsr-3293	221	213	(	(	PUNCT
fsr-3293	221	214	0.11	0.11	NUM
fsr-3293	221	215	)	)	PUNCT
fsr-3293	221	216	0.002	0.002	NUM
fsr-3293	221	217	0.71	0.71	NUM
fsr-3293	221	218	�	�	PROPN
fsr-3293	221	219	0.26	0.26	NUM
fsr-3293	221	220	(	(	PUNCT
fsr-3293	221	221	0.45	0.45	NUM
fsr-3293	221	222	)	)	PUNCT
fsr-3293	221	223	0.558	0.558	NUM
fsr-3293	221	224	0.77	0.77	NUM
fsr-3293	221	225	�	�	NOUN
fsr-3293	221	226	0.45	0.45	NUM
fsr-3293	221	227	(	(	PUNCT
fsr-3293	221	228	0.19	0.19	NUM
fsr-3293	221	229	)	)	PUNCT
fsr-3293	221	230	0.018	0.018	NUM
fsr-3293	221	231	0.64	0.64	NUM
fsr-3293	221	232	other	other	ADJ
fsr-3293	221	233	0.04	0.04	NUM
fsr-3293	221	234	(	(	PUNCT
fsr-3293	221	235	0.18	0.18	NUM
fsr-3293	221	236	)	)	PUNCT
fsr-3293	221	237	0.818	0.818	NUM
fsr-3293	221	238	1.04	1.04	NUM
fsr-3293	221	239	�	�	NOUN
fsr-3293	221	240	0.89	0.89	NUM
fsr-3293	221	241	(	(	PUNCT
fsr-3293	221	242	0.40	0.40	NUM
fsr-3293	221	243	)	)	PUNCT
fsr-3293	221	244	0.027	0.027	NUM
fsr-3293	221	245	0.41	0.41	NUM
fsr-3293	221	246	0.35	0.35	NUM
fsr-3293	221	247	(	(	PUNCT
fsr-3293	221	248	0.26	0.26	NUM
fsr-3293	221	249	)	)	PUNCT
fsr-3293	221	250	0.177	0.177	NUM
fsr-3293	221	251	1.42	1.42	NUM
fsr-3293	221	252	education	education	NOUN
fsr-3293	221	253	(	(	PUNCT
fsr-3293	221	254	no	no	DET
fsr-3293	221	255	high	high	ADJ
fsr-3293	221	256	school	school	NOUN
fsr-3293	221	257	diploma	diploma	NOUN
fsr-3293	221	258	)	)	PUNCT
fsr-3293	221	259	high	high	ADJ
fsr-3293	221	260	school	school	NOUN
fsr-3293	221	261	�	�	PROPN
fsr-3293	221	262	0.09	0.09	NUM
fsr-3293	221	263	(	(	PUNCT
fsr-3293	221	264	0.18	0.18	NUM
fsr-3293	221	265	)	)	PUNCT
fsr-3293	221	266	0.622	0.622	NUM
fsr-3293	221	267	0.92	0.92	NUM
fsr-3293	221	268	0.47	0.47	NUM
fsr-3293	221	269	(	(	PUNCT
fsr-3293	221	270	0.47	0.47	NUM
fsr-3293	221	271	)	)	PUNCT
fsr-3293	221	272	0.318	0.318	NUM
fsr-3293	221	273	1.59	1.59	NUM
fsr-3293	221	274	�	�	NOUN
fsr-3293	221	275	0.28	0.28	NUM
fsr-3293	221	276	(	(	PUNCT
fsr-3293	221	277	0.33	0.33	NUM
fsr-3293	221	278	)	)	PUNCT
fsr-3293	221	279	0.397	0.397	NUM
fsr-3293	221	280	0.76	0.76	NUM
fsr-3293	221	281	some	some	DET
fsr-3293	221	282	college	college	NOUN
fsr-3293	221	283	�	�	PROPN
fsr-3293	221	284	0.11	0.11	NUM
fsr-3293	221	285	(	(	PUNCT
fsr-3293	221	286	0.21	0.21	NUM
fsr-3293	221	287	)	)	PUNCT
fsr-3293	221	288	0.607	0.607	NUM
fsr-3293	221	289	0.90	0.90	NUM
fsr-3293	221	290	0.50	0.50	NUM
fsr-3293	221	291	(	(	PUNCT
fsr-3293	221	292	0.47	0.47	NUM
fsr-3293	221	293	)	)	PUNCT
fsr-3293	221	294	0.287	0.287	NUM
fsr-3293	221	295	1.64	1.64	NUM
fsr-3293	221	296	�	�	NOUN
fsr-3293	221	297	0.41	0.41	NUM
fsr-3293	221	298	(	(	PUNCT
fsr-3293	221	299	0.37	0.37	NUM
fsr-3293	221	300	)	)	PUNCT
fsr-3293	221	301	0.272	0.272	NUM
fsr-3293	221	302	0.67	0.67	NUM
fsr-3293	221	303	bachelor	bachelor	PROPN
fsr-3293	221	304	’s	’s	PART
fsr-3293	221	305	0.34	0.34	NUM
fsr-3293	221	306	(	(	PUNCT
fsr-3293	221	307	0.21	0.21	NUM
fsr-3293	221	308	)	)	PUNCT
fsr-3293	221	309	0.110	0.110	NUM
fsr-3293	221	310	1.40	1.40	NUM
fsr-3293	221	311	1.34	1.34	NUM
fsr-3293	221	312	(	(	PUNCT
fsr-3293	221	313	0.52	0.52	NUM
fsr-3293	221	314	)	)	PUNCT
fsr-3293	221	315	0.010	0.010	NUM
fsr-3293	221	316	3.84	3.84	NUM
fsr-3293	221	317	0.08	0.08	NUM
fsr-3293	221	318	(	(	PUNCT
fsr-3293	221	319	0.38	0.38	NUM
fsr-3293	221	320	)	)	PUNCT
fsr-3293	221	321	0.827	0.827	NUM
fsr-3293	221	322	1.09	1.09	NUM
fsr-3293	221	323	graduate	graduate	NOUN
fsr-3293	221	324	0.27	0.27	NUM
fsr-3293	221	325	(	(	PUNCT
fsr-3293	221	326	0.22	0.22	NUM
fsr-3293	221	327	)	)	PUNCT
fsr-3293	221	328	0.220	0.220	NUM
fsr-3293	221	329	1.31	1.31	NUM
fsr-3293	221	330	1.00	1.00	NUM
fsr-3293	221	331	(	(	PUNCT
fsr-3293	221	332	0.55	0.55	NUM
fsr-3293	221	333	)	)	PUNCT
fsr-3293	221	334	0.067	0.067	NUM
fsr-3293	221	335	2.72	2.72	NUM
fsr-3293	221	336	0.37	0.37	NUM
fsr-3293	221	337	(	(	PUNCT
fsr-3293	221	338	0.40	0.40	NUM
fsr-3293	221	339	)	)	PUNCT
fsr-3293	221	340	0.360	0.360	NUM
fsr-3293	221	341	1.45	1.45	NUM
fsr-3293	221	342	log	log	NOUN
fsr-3293	221	343	of	of	ADP
fsr-3293	221	344	income	income	NOUN
fsr-3293	221	345	0.48	0.48	NUM
fsr-3293	221	346	(	(	PUNCT
fsr-3293	221	347	0.09	0.09	NUM
fsr-3293	221	348	)	)	PUNCT
fsr-3293	221	349	�	�	PROPN
fsr-3293	221	350	.001	.001	NUM
fsr-3293	221	351	1.61	1.61	NUM
fsr-3293	221	352	0.65	0.65	NUM
fsr-3293	221	353	(	(	PUNCT
fsr-3293	221	354	0.19	0.19	NUM
fsr-3293	221	355	)	)	PUNCT
fsr-3293	221	356	0.001	0.001	NUM
fsr-3293	221	357	1.91	1.91	NUM
fsr-3293	221	358	0.55	0.55	NUM
fsr-3293	221	359	(	(	PUNCT
fsr-3293	221	360	0.13	0.13	NUM
fsr-3293	221	361	)	)	PUNCT
fsr-3293	221	362	�	�	PROPN
fsr-3293	221	363	.001	.001	NUM
fsr-3293	221	364	1.73	1.73	NUM
fsr-3293	221	365	log	log	NOUN
fsr-3293	221	366	of	of	ADP
fsr-3293	221	367	net	net	ADJ
fsr-3293	221	368	worth	worth	ADJ
fsr-3293	221	369	0.04	0.04	NUM
fsr-3293	221	370	(	(	PUNCT
fsr-3293	221	371	0.01	0.01	NUM
fsr-3293	221	372	)	)	PUNCT
fsr-3293	221	373	�	�	NOUN
fsr-3293	221	374	.001	.001	NUM
fsr-3293	221	375	1.04	1.04	NUM
fsr-3293	221	376	0.02	0.02	NUM
fsr-3293	221	377	(	(	PUNCT
fsr-3293	221	378	0.03	0.03	NUM
fsr-3293	221	379	)	)	PUNCT
fsr-3293	221	380	0.513	0.513	NUM
fsr-3293	221	381	1.02	1.02	NUM
fsr-3293	221	382	0.05	0.05	NUM
fsr-3293	221	383	(	(	PUNCT
fsr-3293	221	384	0.02	0.02	NUM
fsr-3293	221	385	)	)	PUNCT
fsr-3293	221	386	0.004	0.004	NUM
fsr-3293	221	387	1.05	1.05	NUM
fsr-3293	221	388	have	have	VERB
fsr-3293	221	389	kids	kid	NOUN
fsr-3293	221	390	�	�	ADP
fsr-3293	221	391	0.20	0.20	NUM
fsr-3293	221	392	(	(	PUNCT
fsr-3293	221	393	0.03	0.03	NUM
fsr-3293	221	394	)	)	PUNCT
fsr-3293	221	395	�	�	PROPN
fsr-3293	221	396	.001	.001	NUM
fsr-3293	221	397	0.82	0.82	NUM
fsr-3293	221	398	�	�	NOUN
fsr-3293	221	399	0.27	0.27	NUM
fsr-3293	221	400	(	(	PUNCT
fsr-3293	221	401	0.12	0.12	NUM
fsr-3293	221	402	)	)	PUNCT
fsr-3293	221	403	0.026	0.026	NUM
fsr-3293	221	404	0.77	0.77	NUM
fsr-3293	221	405	�	�	NOUN
fsr-3293	221	406	0.21	0.21	NUM
fsr-3293	221	407	(	(	PUNCT
fsr-3293	221	408	0.05	0.05	NUM
fsr-3293	221	409	)	)	PUNCT
fsr-3293	221	410	�	�	PROPN
fsr-3293	221	411	.001	.001	NUM
fsr-3293	221	412	0.81	0.81	NUM
fsr-3293	221	413	perceived	perceive	VERB
fsr-3293	221	414	poor	poor	ADJ
fsr-3293	221	415	health	health	NOUN
fsr-3293	221	416	�	�	PROPN
fsr-3293	221	417	0.30	0.30	NUM
fsr-3293	221	418	(	(	PUNCT
fsr-3293	221	419	0.12	0.12	NUM
fsr-3293	221	420	)	)	PUNCT
fsr-3293	221	421	0.010	0.010	NUM
fsr-3293	221	422	0.74	0.74	NUM
fsr-3293	221	423	�	�	NOUN
fsr-3293	221	424	0.56	0.56	NUM
fsr-3293	221	425	(	(	PUNCT
fsr-3293	221	426	0.31	0.31	NUM
fsr-3293	221	427	)	)	PUNCT
fsr-3293	221	428	0.067	0.067	NUM
fsr-3293	221	429	0.57	0.57	NUM
fsr-3293	221	430	�	�	PROPN
fsr-3293	221	431	0.56	0.56	NUM
fsr-3293	221	432	(	(	PUNCT
fsr-3293	221	433	0.20	0.20	NUM
fsr-3293	221	434	)	)	PUNCT
fsr-3293	221	435	0.005	0.005	NUM
fsr-3293	221	436	0.57	0.57	NUM
fsr-3293	221	437	understand	understand	VERB
fsr-3293	221	438	scf	scf	PROPN
fsr-3293	221	439	questions	question	NOUN
fsr-3293	221	440	?	?	PUNCT
fsr-3293	222	1	(	(	PUNCT
fsr-3293	222	2	good	good	ADJ
fsr-3293	222	3	)	)	PUNCT
fsr-3293	222	4	poor	poor	ADJ
fsr-3293	222	5	/	/	SYM
fsr-3293	222	6	fair	fair	ADJ
fsr-3293	222	7	�	�	NOUN
fsr-3293	222	8	0.22	0.22	NUM
fsr-3293	222	9	(	(	PUNCT
fsr-3293	222	10	0.16	0.16	NUM
fsr-3293	222	11	)	)	PUNCT
fsr-3293	222	12	0.171	0.171	NUM
fsr-3293	222	13	0.81	0.81	NUM
fsr-3293	222	14	�	�	NOUN
fsr-3293	222	15	0.02	0.02	NUM
fsr-3293	222	16	(	(	PUNCT
fsr-3293	222	17	0.52	0.52	NUM
fsr-3293	222	18	)	)	PUNCT
fsr-3293	222	19	0.962	0.962	NUM
fsr-3293	222	20	0.98	0.98	NUM
fsr-3293	222	21	�	�	NOUN
fsr-3293	222	22	0.02	0.02	NUM
fsr-3293	222	23	(	(	PUNCT
fsr-3293	222	24	0.29	0.29	NUM
fsr-3293	222	25	)	)	PUNCT
fsr-3293	222	26	0.952	0.952	NUM
fsr-3293	222	27	0.98	0.98	NUM
fsr-3293	222	28	excellent	excellent	ADJ
fsr-3293	222	29	0.07	0.07	NUM
fsr-3293	222	30	(	(	PUNCT
fsr-3293	222	31	0.08	0.08	NUM
fsr-3293	222	32	)	)	PUNCT
fsr-3293	222	33	0.421	0.421	NUM
fsr-3293	222	34	1.07	1.07	NUM
fsr-3293	222	35	�	�	NOUN
fsr-3293	222	36	0.22	0.22	NUM
fsr-3293	222	37	(	(	PUNCT
fsr-3293	222	38	0.22	0.22	NUM
fsr-3293	222	39	)	)	PUNCT
fsr-3293	222	40	0.319	0.319	NUM
fsr-3293	222	41	0.80	0.80	NUM
fsr-3293	222	42	�	�	NOUN
fsr-3293	222	43	0.03	0.03	NUM
fsr-3293	222	44	(	(	PUNCT
fsr-3293	222	45	0.13	0.13	NUM
fsr-3293	222	46	)	)	PUNCT
fsr-3293	222	47	0.794	0.794	NUM
fsr-3293	222	48	0.97	0.97	NUM
fsr-3293	222	49	having	have	VERB
fsr-3293	222	50	retirement	retirement	NOUN
fsr-3293	222	51	plan	plan	NOUN
fsr-3293	222	52	0.14	0.14	NUM
fsr-3293	222	53	(	(	PUNCT
fsr-3293	222	54	0.09	0.09	NUM
fsr-3293	222	55	)	)	PUNCT
fsr-3293	222	56	0.111	0.111	NUM
fsr-3293	222	57	1.15	1.15	NUM
fsr-3293	222	58	�	�	PROPN
fsr-3293	222	59	0.23	0.23	NUM
fsr-3293	222	60	(	(	PUNCT
fsr-3293	222	61	0.21	0.21	NUM
fsr-3293	222	62	)	)	PUNCT
fsr-3293	222	63	0.268	0.268	NUM
fsr-3293	222	64	0.79	0.79	NUM
fsr-3293	222	65	0.37	0.37	NUM
fsr-3293	222	66	(	(	PUNCT
fsr-3293	222	67	0.12	0.12	NUM
fsr-3293	222	68	)	)	PUNCT
fsr-3293	222	69	0.002	0.002	NUM
fsr-3293	222	70	1.45	1.45	NUM
fsr-3293	222	71	access	access	NOUN
fsr-3293	222	72	to	to	ADP
fsr-3293	222	73	$	$	SYM
fsr-3293	222	74	3,000	3,000	NUM
fsr-3293	222	75	0.27	0.27	NUM
fsr-3293	222	76	(	(	PUNCT
fsr-3293	222	77	0.10	0.10	NUM
fsr-3293	222	78	)	)	PUNCT
fsr-3293	222	79	0.008	0.008	NUM
fsr-3293	222	80	1.31	1.31	NUM
fsr-3293	222	81	0.13	0.13	NUM
fsr-3293	222	82	(	(	PUNCT
fsr-3293	222	83	0.26	0.26	NUM
fsr-3293	222	84	)	)	PUNCT
fsr-3293	222	85	0.621	0.621	NUM
fsr-3293	222	86	1.14	1.14	NUM
fsr-3293	222	87	0.16	0.16	NUM
fsr-3293	222	88	(	(	PUNCT
fsr-3293	222	89	0.17	0.17	NUM
fsr-3293	222	90	)	)	PUNCT
fsr-3293	222	91	0.351	0.351	NUM
fsr-3293	222	92	1.17	1.17	NUM
fsr-3293	222	93	planning	planning	NOUN
fsr-3293	222	94	horizon	horizon	NOUN
fsr-3293	222	95	(	(	PUNCT
fsr-3293	222	96	long	long	ADJ
fsr-3293	222	97	)	)	PUNCT
fsr-3293	222	98	short	short	PROPN
fsr-3293	222	99	�	�	PROPN
fsr-3293	222	100	0.67	0.67	NUM
fsr-3293	222	101	(	(	PUNCT
fsr-3293	222	102	0.15	0.15	NUM
fsr-3293	222	103	)	)	PUNCT
fsr-3293	222	104	�	�	PROPN
fsr-3293	222	105	.001	.001	NUM
fsr-3293	222	106	0.51	0.51	NUM
fsr-3293	222	107	�	�	NOUN
fsr-3293	222	108	1.17	1.17	NUM
fsr-3293	222	109	(	(	PUNCT
fsr-3293	222	110	0.45	0.45	NUM
fsr-3293	222	111	)	)	PUNCT
fsr-3293	222	112	0.010	0.010	NUM
fsr-3293	222	113	0.31	0.31	NUM
fsr-3293	222	114	�	�	PROPN
fsr-3293	222	115	0.53	0.53	NUM
fsr-3293	222	116	(	(	PUNCT
fsr-3293	222	117	0.22	0.22	NUM
fsr-3293	222	118	)	)	PUNCT
fsr-3293	222	119	0.016	0.016	NUM
fsr-3293	222	120	0.59	0.59	NUM
fsr-3293	222	121	intermediate	intermediate	PROPN
fsr-3293	222	122	�	�	PROPN
fsr-3293	222	123	0.46	0.46	NUM
fsr-3293	222	124	(	(	PUNCT
fsr-3293	222	125	0.14	0.14	NUM
fsr-3293	222	126	)	)	PUNCT
fsr-3293	222	127	0.001	0.001	NUM
fsr-3293	222	128	0.63	0.63	NUM
fsr-3293	222	129	�	�	NOUN
fsr-3293	222	130	0.99	0.99	NUM
fsr-3293	222	131	(	(	PUNCT
fsr-3293	222	132	0.37	0.37	NUM
fsr-3293	222	133	)	)	PUNCT
fsr-3293	222	134	0.008	0.008	NUM
fsr-3293	222	135	0.37	0.37	NUM
fsr-3293	222	136	�	�	PROPN
fsr-3293	222	137	0.30	0.30	NUM
fsr-3293	222	138	(	(	PUNCT
fsr-3293	222	139	0.21	0.21	NUM
fsr-3293	222	140	)	)	PUNCT
fsr-3293	222	141	0.152	0.152	NUM
fsr-3293	222	142	0.74	0.74	NUM
fsr-3293	222	143	have	have	VERB
fsr-3293	222	144	credit	credit	NOUN
fsr-3293	222	145	card	card	NOUN
fsr-3293	222	146	balance	balance	NOUN
fsr-3293	222	147	�	�	NOUN
fsr-3293	222	148	0.62	0.62	NUM
fsr-3293	222	149	(	(	PUNCT
fsr-3293	222	150	0.07	0.07	NUM
fsr-3293	222	151	)	)	PUNCT
fsr-3293	222	152	�	�	PROPN
fsr-3293	222	153	.001	.001	NUM
fsr-3293	222	154	0.54	0.54	NUM
fsr-3293	222	155	�	�	NOUN
fsr-3293	222	156	1.13	1.13	NUM
fsr-3293	222	157	(	(	PUNCT
fsr-3293	222	158	0.18	0.18	NUM
fsr-3293	222	159	)	)	PUNCT
fsr-3293	222	160	�	�	PROPN
fsr-3293	222	161	.001	.001	NUM
fsr-3293	222	162	0.32	0.32	NUM
fsr-3293	222	163	�	�	NOUN
fsr-3293	222	164	0.64	0.64	NUM
fsr-3293	222	165	(	(	PUNCT
fsr-3293	222	166	0.11	0.11	NUM
fsr-3293	222	167	)	)	PUNCT
fsr-3293	222	168	�	�	PROPN
fsr-3293	222	169	.001	.001	NUM
fsr-3293	222	170	0.53	0.53	NUM
fsr-3293	222	171	constant	constant	ADJ
fsr-3293	222	172	�	�	PROPN
fsr-3293	222	173	4.80	4.80	NUM
fsr-3293	222	174	(	(	PUNCT
fsr-3293	222	175	1.01	1.01	NUM
fsr-3293	222	176	)	)	PUNCT
fsr-3293	222	177	�	�	NOUN
fsr-3293	222	178	.001	.001	NUM
fsr-3293	222	179	0.01	0.01	NUM
fsr-3293	222	180	�	�	NOUN
fsr-3293	222	181	4.77	4.77	NUM
fsr-3293	222	182	(	(	PUNCT
fsr-3293	222	183	2.25	2.25	NUM
fsr-3293	222	184	)	)	PUNCT
fsr-3293	222	185	0.034	0.034	NUM
fsr-3293	222	186	0.01	0.01	NUM
fsr-3293	222	187	�	�	NOUN
fsr-3293	222	188	5.06	5.06	NUM
fsr-3293	222	189	(	(	PUNCT
fsr-3293	222	190	1.33	1.33	NUM
fsr-3293	222	191	)	)	PUNCT
fsr-3293	222	192	�	�	NOUN
fsr-3293	222	193	.001	.001	NUM
fsr-3293	222	194	0.01	0.01	NUM
fsr-3293	222	195	pseudo	pseudo	NOUN
fsr-3293	222	196	r2	r2	NOUN
fsr-3293	222	197	0.14	0.14	NUM
fsr-3293	222	198	0.21	0.21	NUM
fsr-3293	222	199	0.17	0.17	NUM
fsr-3293	222	200	log	log	NOUN
fsr-3293	222	201	likelihood	likelihood	NOUN
fsr-3293	222	202	473.51	473.51	NUM
fsr-3293	222	203	166.81	166.81	NUM
fsr-3293	222	204	277.85	277.85	NUM
fsr-3293	222	205	source	source	NOUN
fsr-3293	222	206	:	:	PUNCT
fsr-3293	222	207	weighted	weight	VERB
fsr-3293	222	208	analysis	analysis	NOUN
fsr-3293	222	209	of	of	ADP
fsr-3293	222	210	the	the	DET
fsr-3293	222	211	2013	2013	NUM
fsr-3293	222	212	survey	survey	NOUN
fsr-3293	222	213	of	of	ADP
fsr-3293	222	214	consumer	consumer	NOUN
fsr-3293	222	215	finances	finance	NOUN
fsr-3293	222	216	;	;	PUNCT
fsr-3293	222	217	rii	rii	NOUN
fsr-3293	222	218	technique	technique	NOUN
fsr-3293	222	219	and	and	CCONJ
fsr-3293	222	220	bootstrapping	bootstrapping	NOUN
fsr-3293	222	221	used	use	VERB
fsr-3293	222	222	.	.	PUNCT
fsr-3293	223	1	note	note	NOUN
fsr-3293	223	2	:	:	PUNCT
fsr-3293	223	3	or	or	CCONJ
fsr-3293	223	4	�	�	PROPN
fsr-3293	223	5	odds	odd	NOUN
fsr-3293	223	6	ratio	ratio	NOUN
fsr-3293	223	7	;	;	PUNCT
fsr-3293	223	8	analysis	analysis	NOUN
fsr-3293	223	9	includes	include	VERB
fsr-3293	223	10	only	only	ADV
fsr-3293	223	11	those	those	PRON
fsr-3293	223	12	that	that	PRON
fsr-3293	223	13	are	be	AUX
fsr-3293	223	14	full	full	ADJ
fsr-3293	223	15	-	-	PUNCT
fsr-3293	223	16	time	time	NOUN
fsr-3293	223	17	,	,	PUNCT
fsr-3293	223	18	expect	expect	VERB
fsr-3293	223	19	to	to	PART
fsr-3293	223	20	retire	retire	VERB
fsr-3293	223	21	,	,	PUNCT
fsr-3293	223	22	and	and	CCONJ
fsr-3293	223	23	have	have	VERB
fsr-3293	223	24	a	a	DET
fsr-3293	223	25	retirement	retirement	NOUN
fsr-3293	223	26	life	life	NOUN
fsr-3293	223	27	expectancy	expectancy	NOUN
fsr-3293	223	28	greater	great	ADJ
fsr-3293	223	29	than	than	ADP
fsr-3293	223	30	zero	zero	NUM
fsr-3293	223	31	.	.	PUNCT
fsr-3293	224	1	14	14	NUM
fsr-3293	224	2	d.r	d.r	PROPN
fsr-3293	224	3	.	.	PROPN
fsr-3293	224	4	lawson	lawson	PROPN
fsr-3293	224	5	,	,	PUNCT
fsr-3293	224	6	s.j	s.j	PROPN
fsr-3293	224	7	.	.	PROPN
fsr-3293	224	8	heckman	heckman	PROPN
fsr-3293	224	9	/	/	SYM
fsr-3293	224	10	financial	financial	PROPN
fsr-3293	224	11	services	service	NOUN
fsr-3293	224	12	review	review	VERB
fsr-3293	224	13	26	26	NUM
fsr-3293	224	14	(	(	PUNCT
fsr-3293	224	15	2017	2017	NUM
fsr-3293	224	16	)	)	PUNCT
fsr-3293	224	17	1–18	1–18	NUM
fsr-3293	224	18	life	life	NOUN
fsr-3293	224	19	expectancy	expectancy	NOUN
fsr-3293	224	20	is	be	AUX
fsr-3293	224	21	not	not	PART
fsr-3293	224	22	a	a	DET
fsr-3293	224	23	significant	significant	ADJ
fsr-3293	224	24	predictor	predictor	NOUN
fsr-3293	224	25	in	in	ADP
fsr-3293	224	26	our	our	PRON
fsr-3293	224	27	primary	primary	ADJ
fsr-3293	224	28	analysis	analysis	NOUN
fsr-3293	224	29	of	of	ADP
fsr-3293	224	30	credit	credit	NOUN
fsr-3293	224	31	card	card	NOUN
fsr-3293	224	32	debt	debt	NOUN
fsr-3293	224	33	.	.	PUNCT
fsr-3293	225	1	additionally	additionally	ADV
fsr-3293	225	2	,	,	PUNCT
fsr-3293	225	3	rwle	rwle	ADJ
fsr-3293	225	4	is	be	AUX
fsr-3293	225	5	not	not	PART
fsr-3293	225	6	a	a	DET
fsr-3293	225	7	significant	significant	ADJ
fsr-3293	225	8	predictor	predictor	NOUN
fsr-3293	225	9	in	in	ADP
fsr-3293	225	10	our	our	PRON
fsr-3293	225	11	primary	primary	ADJ
fsr-3293	225	12	analysis	analysis	NOUN
fsr-3293	225	13	of	of	ADP
fsr-3293	225	14	credit	credit	NOUN
fsr-3293	225	15	card	card	NOUN
fsr-3293	225	16	debt	debt	NOUN
fsr-3293	225	17	and	and	CCONJ
fsr-3293	225	18	whether	whether	SCONJ
fsr-3293	225	19	or	or	CCONJ
fsr-3293	225	20	not	not	PART
fsr-3293	225	21	a	a	DET
fsr-3293	225	22	respondent	respondent	NOUN
fsr-3293	225	23	saved	save	VERB
fsr-3293	225	24	.	.	PUNCT
fsr-3293	226	1	even	even	ADV
fsr-3293	226	2	when	when	SCONJ
fsr-3293	226	3	separating	separate	VERB
fsr-3293	226	4	individuals	individual	NOUN
fsr-3293	226	5	into	into	ADP
fsr-3293	226	6	those	those	PRON
fsr-3293	226	7	who	who	PRON
fsr-3293	226	8	are	be	AUX
fsr-3293	226	9	near	near	ADJ
fsr-3293	226	10	and	and	CCONJ
fsr-3293	226	11	far	far	ADV
fsr-3293	226	12	from	from	ADP
fsr-3293	226	13	retirement	retirement	NOUN
fsr-3293	226	14	,	,	PUNCT
fsr-3293	226	15	rle	rle	PROPN
fsr-3293	226	16	is	be	AUX
fsr-3293	226	17	not	not	PART
fsr-3293	226	18	significantly	significantly	ADV
fsr-3293	226	19	associated	associate	VERB
fsr-3293	226	20	with	with	ADP
fsr-3293	226	21	financial	financial	ADJ
fsr-3293	226	22	assets	asset	NOUN
fsr-3293	226	23	,	,	PUNCT
fsr-3293	226	24	credit	credit	NOUN
fsr-3293	226	25	card	card	NOUN
fsr-3293	226	26	debt	debt	NOUN
fsr-3293	226	27	,	,	PUNCT
fsr-3293	226	28	and	and	CCONJ
fsr-3293	226	29	savings	saving	NOUN
fsr-3293	226	30	behavior	behavior	NOUN
fsr-3293	226	31	for	for	ADP
fsr-3293	226	32	those	those	PRON
fsr-3293	226	33	near	near	ADP
fsr-3293	226	34	retirement	retirement	NOUN
fsr-3293	226	35	,	,	PUNCT
fsr-3293	226	36	and	and	CCONJ
fsr-3293	226	37	it	it	PRON
fsr-3293	226	38	is	be	AUX
fsr-3293	226	39	not	not	PART
fsr-3293	226	40	significantly	significantly	ADV
fsr-3293	226	41	associated	associate	VERB
fsr-3293	226	42	with	with	ADP
fsr-3293	226	43	credit	credit	NOUN
fsr-3293	226	44	card	card	NOUN
fsr-3293	226	45	debt	debt	NOUN
fsr-3293	226	46	for	for	ADP
fsr-3293	226	47	those	those	PRON
fsr-3293	226	48	further	far	ADV
fsr-3293	226	49	from	from	ADP
fsr-3293	226	50	retirement	retirement	NOUN
fsr-3293	226	51	.	.	PUNCT
fsr-3293	227	1	rwle	rwle	PROPN
fsr-3293	227	2	,	,	PUNCT
fsr-3293	227	3	on	on	ADP
fsr-3293	227	4	the	the	DET
fsr-3293	227	5	other	other	ADJ
fsr-3293	227	6	hand	hand	NOUN
fsr-3293	227	7	,	,	PUNCT
fsr-3293	227	8	is	be	AUX
fsr-3293	227	9	not	not	PART
fsr-3293	227	10	significantly	significantly	ADV
fsr-3293	227	11	associated	associate	VERB
fsr-3293	227	12	with	with	ADP
fsr-3293	227	13	financial	financial	ADJ
fsr-3293	227	14	assets	asset	NOUN
fsr-3293	227	15	and	and	CCONJ
fsr-3293	227	16	credit	credit	NOUN
fsr-3293	227	17	card	card	NOUN
fsr-3293	227	18	debt	debt	NOUN
fsr-3293	227	19	for	for	ADP
fsr-3293	227	20	those	those	PRON
fsr-3293	227	21	near	near	ADP
fsr-3293	227	22	retirement	retirement	NOUN
fsr-3293	227	23	,	,	PUNCT
fsr-3293	227	24	and	and	CCONJ
fsr-3293	227	25	is	be	AUX
fsr-3293	227	26	not	not	PART
fsr-3293	227	27	associated	associate	VERB
fsr-3293	227	28	with	with	ADP
fsr-3293	227	29	credit	credit	NOUN
fsr-3293	227	30	card	card	NOUN
fsr-3293	227	31	debt	debt	NOUN
fsr-3293	227	32	and	and	CCONJ
fsr-3293	227	33	savings	saving	NOUN
fsr-3293	227	34	behavior	behavior	NOUN
fsr-3293	227	35	for	for	ADP
fsr-3293	227	36	those	those	PRON
fsr-3293	227	37	further	far	ADV
fsr-3293	227	38	from	from	ADP
fsr-3293	227	39	retirement	retirement	NOUN
fsr-3293	227	40	.	.	PUNCT
fsr-3293	228	1	rle	rle	PROPN
fsr-3293	228	2	exhibits	exhibit	NOUN
fsr-3293	228	3	effect	effect	NOUN
fsr-3293	228	4	directions	direction	NOUN
fsr-3293	228	5	contrary	contrary	ADJ
fsr-3293	228	6	to	to	ADP
fsr-3293	228	7	expectations	expectation	NOUN
fsr-3293	228	8	in	in	ADP
fsr-3293	228	9	financial	financial	ADJ
fsr-3293	228	10	assets	asset	NOUN
fsr-3293	228	11	for	for	ADP
fsr-3293	228	12	both	both	CCONJ
fsr-3293	228	13	the	the	DET
fsr-3293	228	14	primary	primary	ADJ
fsr-3293	228	15	and	and	CCONJ
fsr-3293	228	16	secondary	secondary	ADJ
fsr-3293	228	17	analysis	analysis	NOUN
fsr-3293	228	18	.	.	PUNCT
fsr-3293	229	1	subjective	subjective	ADJ
fsr-3293	229	2	life	life	NOUN
fsr-3293	229	3	expectancy	expectancy	NOUN
fsr-3293	229	4	was	be	AUX
fsr-3293	229	5	only	only	ADV
fsr-3293	229	6	positively	positively	ADV
fsr-3293	229	7	associated	associate	VERB
fsr-3293	229	8	with	with	ADP
fsr-3293	229	9	saving	save	VERB
fsr-3293	229	10	behavior	behavior	NOUN
fsr-3293	229	11	for	for	ADP
fsr-3293	229	12	those	those	PRON
fsr-3293	229	13	far	far	ADV
fsr-3293	229	14	from	from	ADP
fsr-3293	229	15	retirement	retirement	NOUN
fsr-3293	229	16	.	.	PUNCT
fsr-3293	230	1	although	although	SCONJ
fsr-3293	230	2	the	the	DET
fsr-3293	230	3	life	life	NOUN
fsr-3293	230	4	cycle	cycle	NOUN
fsr-3293	230	5	hypothesis	hypothesis	NOUN
fsr-3293	230	6	suggests	suggest	VERB
fsr-3293	230	7	that	that	SCONJ
fsr-3293	230	8	life	life	NOUN
fsr-3293	230	9	expectancy	expectancy	NOUN
fsr-3293	230	10	should	should	AUX
fsr-3293	230	11	influence	influence	VERB
fsr-3293	230	12	household	household	NOUN
fsr-3293	230	13	consumption	consumption	NOUN
fsr-3293	230	14	choices	choice	NOUN
fsr-3293	230	15	,	,	PUNCT
fsr-3293	230	16	the	the	DET
fsr-3293	230	17	behavioral	behavioral	ADJ
fsr-3293	230	18	life	life	NOUN
fsr-3293	230	19	cycle	cycle	NOUN
fsr-3293	230	20	model	model	NOUN
fsr-3293	230	21	suggests	suggest	VERB
fsr-3293	230	22	that	that	SCONJ
fsr-3293	230	23	there	there	PRON
fsr-3293	230	24	may	may	AUX
fsr-3293	230	25	be	be	AUX
fsr-3293	230	26	other	other	ADJ
fsr-3293	230	27	factors	factor	NOUN
fsr-3293	230	28	that	that	PRON
fsr-3293	230	29	prevent	prevent	VERB
fsr-3293	230	30	households	household	NOUN
fsr-3293	230	31	from	from	ADP
fsr-3293	230	32	smoothing	smooth	VERB
fsr-3293	230	33	consumption	consumption	NOUN
fsr-3293	230	34	according	accord	VERB
fsr-3293	230	35	to	to	ADP
fsr-3293	230	36	the	the	DET
fsr-3293	230	37	life	life	NOUN
fsr-3293	230	38	cycle	cycle	NOUN
fsr-3293	230	39	hypothesis	hypothesis	NOUN
fsr-3293	230	40	.	.	PUNCT
fsr-3293	231	1	for	for	ADP
fsr-3293	231	2	example	example	NOUN
fsr-3293	231	3	,	,	PUNCT
fsr-3293	231	4	even	even	ADV
fsr-3293	231	5	if	if	SCONJ
fsr-3293	231	6	a	a	DET
fsr-3293	231	7	household	household	NOUN
fsr-3293	231	8	realizes	realize	VERB
fsr-3293	231	9	they	they	PRON
fsr-3293	231	10	may	may	AUX
fsr-3293	231	11	live	live	VERB
fsr-3293	231	12	longer	long	ADV
fsr-3293	231	13	,	,	PUNCT
fsr-3293	231	14	holding	hold	VERB
fsr-3293	231	15	retirement	retirement	NOUN
fsr-3293	231	16	age	age	NOUN
fsr-3293	231	17	constant	constant	ADJ
fsr-3293	231	18	,	,	PUNCT
fsr-3293	231	19	they	they	PRON
fsr-3293	231	20	may	may	AUX
fsr-3293	231	21	lack	lack	VERB
fsr-3293	231	22	the	the	DET
fsr-3293	231	23	self	self	NOUN
fsr-3293	231	24	-	-	PUNCT
fsr-3293	231	25	control	control	NOUN
fsr-3293	231	26	or	or	CCONJ
fsr-3293	231	27	willpower	willpower	NOUN
fsr-3293	231	28	to	to	PART
fsr-3293	231	29	change	change	VERB
fsr-3293	231	30	consumption	consumption	NOUN
fsr-3293	231	31	today	today	NOUN
fsr-3293	231	32	to	to	PART
fsr-3293	231	33	smooth	smooth	VERB
fsr-3293	231	34	consumption	consumption	NOUN
fsr-3293	231	35	over	over	ADP
fsr-3293	231	36	the	the	DET
fsr-3293	231	37	remainder	remainder	NOUN
fsr-3293	231	38	of	of	ADP
fsr-3293	231	39	their	their	PRON
fsr-3293	231	40	lifetime	lifetime	NOUN
fsr-3293	231	41	.	.	PUNCT
fsr-3293	232	1	the	the	DET
fsr-3293	232	2	negative	negative	ADJ
fsr-3293	232	3	direction	direction	NOUN
fsr-3293	232	4	of	of	ADP
fsr-3293	232	5	the	the	DET
fsr-3293	232	6	rle	rle	NOUN
fsr-3293	232	7	factor	factor	NOUN
fsr-3293	232	8	on	on	ADP
fsr-3293	232	9	financial	financial	ADJ
fsr-3293	232	10	assets	asset	NOUN
fsr-3293	232	11	for	for	ADP
fsr-3293	232	12	the	the	DET
fsr-3293	232	13	overall	overall	ADJ
fsr-3293	232	14	model	model	NOUN
fsr-3293	232	15	may	may	AUX
fsr-3293	232	16	indicate	indicate	VERB
fsr-3293	232	17	what	what	PRON
fsr-3293	232	18	previous	previous	ADJ
fsr-3293	232	19	literature	literature	NOUN
fsr-3293	232	20	has	have	AUX
fsr-3293	232	21	found	find	VERB
fsr-3293	232	22	—	—	PUNCT
fsr-3293	232	23	u.s	u.s	PROPN
fsr-3293	232	24	.	.	PROPN
fsr-3293	232	25	consumers	consumer	NOUN
fsr-3293	232	26	are	be	AUX
fsr-3293	232	27	not	not	PART
fsr-3293	232	28	doing	do	VERB
fsr-3293	232	29	a	a	DET
fsr-3293	232	30	good	good	ADJ
fsr-3293	232	31	job	job	NOUN
fsr-3293	232	32	at	at	ADP
fsr-3293	232	33	preparing	prepare	VERB
fsr-3293	232	34	for	for	ADP
fsr-3293	232	35	retirement	retirement	NOUN
fsr-3293	232	36	(	(	PUNCT
fsr-3293	232	37	aegon	aegon	PROPN
fsr-3293	232	38	,	,	PUNCT
fsr-3293	232	39	2016	2016	NUM
fsr-3293	232	40	;	;	PUNCT
fsr-3293	232	41	kim	kim	PROPN
fsr-3293	232	42	&	&	CCONJ
fsr-3293	232	43	hanna	hanna	PROPN
fsr-3293	232	44	,	,	PUNCT
fsr-3293	232	45	2015b	2015b	NUM
fsr-3293	232	46	;	;	PUNCT
fsr-3293	232	47	yuh	yuh	PROPN
fsr-3293	232	48	,	,	PUNCT
fsr-3293	232	49	montalto	montalto	PROPN
fsr-3293	232	50	,	,	PUNCT
fsr-3293	232	51	&	&	CCONJ
fsr-3293	232	52	hanna	hanna	PROPN
fsr-3293	232	53	,	,	PUNCT
fsr-3293	232	54	1998	1998	NUM
fsr-3293	232	55	)	)	PUNCT
fsr-3293	232	56	.	.	PUNCT
fsr-3293	233	1	additionally	additionally	ADV
fsr-3293	233	2	,	,	PUNCT
fsr-3293	233	3	the	the	DET
fsr-3293	233	4	fact	fact	NOUN
fsr-3293	233	5	that	that	SCONJ
fsr-3293	233	6	rle	rle	PROPN
fsr-3293	233	7	and	and	CCONJ
fsr-3293	233	8	rwle	rwle	NOUN
fsr-3293	233	9	are	be	AUX
fsr-3293	233	10	not	not	PART
fsr-3293	233	11	significant	significant	ADJ
fsr-3293	233	12	for	for	SCONJ
fsr-3293	233	13	those	those	PRON
fsr-3293	233	14	near	near	ADP
fsr-3293	233	15	retirement	retirement	NOUN
fsr-3293	233	16	may	may	AUX
fsr-3293	233	17	show	show	VERB
fsr-3293	233	18	that	that	SCONJ
fsr-3293	233	19	people	people	NOUN
fsr-3293	233	20	are	be	AUX
fsr-3293	233	21	not	not	PART
fsr-3293	233	22	able	able	ADJ
fsr-3293	233	23	to	to	PART
fsr-3293	233	24	account	account	VERB
fsr-3293	233	25	for	for	ADP
fsr-3293	233	26	their	their	PRON
fsr-3293	233	27	life	life	NOUN
fsr-3293	233	28	expectancy	expectancy	NOUN
fsr-3293	233	29	when	when	SCONJ
fsr-3293	233	30	making	make	VERB
fsr-3293	233	31	consumption	consumption	NOUN
fsr-3293	233	32	choices	choice	NOUN
fsr-3293	233	33	.	.	PUNCT
fsr-3293	234	1	alternatively	alternatively	ADV
fsr-3293	234	2	,	,	PUNCT
fsr-3293	234	3	it	it	PRON
fsr-3293	234	4	could	could	AUX
fsr-3293	234	5	be	be	AUX
fsr-3293	234	6	that	that	SCONJ
fsr-3293	234	7	these	these	DET
fsr-3293	234	8	households	household	NOUN
fsr-3293	234	9	believe	believe	VERB
fsr-3293	234	10	that	that	SCONJ
fsr-3293	234	11	,	,	PUNCT
fsr-3293	234	12	although	although	SCONJ
fsr-3293	234	13	retirement	retirement	NOUN
fsr-3293	234	14	is	be	AUX
fsr-3293	234	15	salient	salient	ADJ
fsr-3293	234	16	,	,	PUNCT
fsr-3293	234	17	there	there	PRON
fsr-3293	234	18	is	be	VERB
fsr-3293	234	19	nothing	nothing	PRON
fsr-3293	234	20	they	they	PRON
fsr-3293	234	21	can	can	AUX
fsr-3293	234	22	do	do	VERB
fsr-3293	234	23	,	,	PUNCT
fsr-3293	234	24	so	so	ADV
fsr-3293	234	25	they	they	PRON
fsr-3293	234	26	do	do	AUX
fsr-3293	234	27	not	not	PART
fsr-3293	234	28	factor	factor	VERB
fsr-3293	234	29	in	in	ADP
fsr-3293	234	30	their	their	PRON
fsr-3293	234	31	rle	rle	NOUN
fsr-3293	234	32	and	and	CCONJ
fsr-3293	234	33	rwle	rwle	VERB
fsr-3293	234	34	when	when	SCONJ
fsr-3293	234	35	making	make	VERB
fsr-3293	234	36	consumption	consumption	NOUN
fsr-3293	234	37	decisions	decision	NOUN
fsr-3293	234	38	related	relate	VERB
fsr-3293	234	39	to	to	ADP
fsr-3293	234	40	their	their	PRON
fsr-3293	234	41	financial	financial	ADJ
fsr-3293	234	42	assets	asset	NOUN
fsr-3293	234	43	.	.	PUNCT
fsr-3293	235	1	finally	finally	ADV
fsr-3293	235	2	,	,	PUNCT
fsr-3293	235	3	because	because	SCONJ
fsr-3293	235	4	rle	rle	PROPN
fsr-3293	235	5	is	be	AUX
fsr-3293	235	6	significant	significant	ADJ
fsr-3293	235	7	,	,	PUNCT
fsr-3293	235	8	but	but	CCONJ
fsr-3293	235	9	negatively	negatively	ADV
fsr-3293	235	10	associated	associate	VERB
fsr-3293	235	11	with	with	ADP
fsr-3293	235	12	financial	financial	ADJ
fsr-3293	235	13	assets	asset	NOUN
fsr-3293	235	14	for	for	ADP
fsr-3293	235	15	those	those	PRON
fsr-3293	235	16	who	who	PRON
fsr-3293	235	17	plan	plan	VERB
fsr-3293	235	18	to	to	PART
fsr-3293	235	19	retire	retire	VERB
fsr-3293	235	20	more	more	ADJ
fsr-3293	235	21	than	than	ADP
fsr-3293	235	22	a	a	PRON
fsr-3293	235	23	decade	decade	NOUN
fsr-3293	235	24	from	from	ADP
fsr-3293	235	25	now	now	ADV
fsr-3293	235	26	,	,	PUNCT
fsr-3293	235	27	these	these	DET
fsr-3293	235	28	individuals	individual	NOUN
fsr-3293	235	29	may	may	AUX
fsr-3293	235	30	be	be	AUX
fsr-3293	235	31	making	make	VERB
fsr-3293	235	32	consumption	consumption	NOUN
fsr-3293	235	33	choices	choice	NOUN
fsr-3293	235	34	that	that	PRON
fsr-3293	235	35	are	be	AUX
fsr-3293	235	36	not	not	PART
fsr-3293	235	37	in	in	ADP
fsr-3293	235	38	-	-	PUNCT
fsr-3293	235	39	line	line	NOUN
fsr-3293	235	40	with	with	ADP
fsr-3293	235	41	the	the	DET
fsr-3293	235	42	life	life	NOUN
fsr-3293	235	43	cycle	cycle	NOUN
fsr-3293	235	44	hypothesis	hypothesis	NOUN
fsr-3293	235	45	.	.	PUNCT
fsr-3293	236	1	that	that	PRON
fsr-3293	236	2	is	be	AUX
fsr-3293	236	3	,	,	PUNCT
fsr-3293	236	4	there	there	PRON
fsr-3293	236	5	may	may	AUX
fsr-3293	236	6	be	be	AUX
fsr-3293	236	7	a	a	DET
fsr-3293	236	8	self	self	NOUN
fsr-3293	236	9	-	-	PUNCT
fsr-3293	236	10	control	control	NOUN
fsr-3293	236	11	or	or	CCONJ
fsr-3293	236	12	willpower	willpower	NOUN
fsr-3293	236	13	problem	problem	NOUN
fsr-3293	236	14	associated	associate	VERB
fsr-3293	236	15	with	with	ADP
fsr-3293	236	16	their	their	PRON
fsr-3293	236	17	ability	ability	NOUN
fsr-3293	236	18	to	to	PART
fsr-3293	236	19	properly	properly	ADV
fsr-3293	236	20	plan	plan	VERB
fsr-3293	236	21	for	for	ADP
fsr-3293	236	22	retirement	retirement	NOUN
fsr-3293	236	23	.	.	PUNCT
fsr-3293	237	1	4.1	4.1	NUM
fsr-3293	237	2	.	.	PUNCT
fsr-3293	237	3	limitations	limitation	NOUN
fsr-3293	237	4	the	the	DET
fsr-3293	237	5	most	most	ADV
fsr-3293	237	6	serious	serious	ADJ
fsr-3293	237	7	limitations	limitation	NOUN
fsr-3293	237	8	center	center	NOUN
fsr-3293	237	9	on	on	ADP
fsr-3293	237	10	measurement	measurement	NOUN
fsr-3293	237	11	issues	issue	NOUN
fsr-3293	237	12	.	.	PUNCT
fsr-3293	238	1	although	although	SCONJ
fsr-3293	238	2	the	the	DET
fsr-3293	238	3	authors	author	NOUN
fsr-3293	238	4	feel	feel	VERB
fsr-3293	238	5	that	that	SCONJ
fsr-3293	238	6	the	the	DET
fsr-3293	238	7	best	well	ADV
fsr-3293	238	8	available	available	ADJ
fsr-3293	238	9	consumption	consumption	NOUN
fsr-3293	238	10	measures	measure	NOUN
fsr-3293	238	11	in	in	ADP
fsr-3293	238	12	the	the	DET
fsr-3293	238	13	scf	scf	PROPN
fsr-3293	238	14	are	be	AUX
fsr-3293	238	15	chosen	choose	VERB
fsr-3293	238	16	,	,	PUNCT
fsr-3293	238	17	the	the	DET
fsr-3293	238	18	analysis	analysis	NOUN
fsr-3293	238	19	would	would	AUX
fsr-3293	238	20	be	be	AUX
fsr-3293	238	21	improved	improve	VERB
fsr-3293	238	22	with	with	ADP
fsr-3293	238	23	better	well	ADJ
fsr-3293	238	24	measures	measure	NOUN
fsr-3293	238	25	of	of	ADP
fsr-3293	238	26	consumption	consumption	NOUN
fsr-3293	238	27	.	.	PUNCT
fsr-3293	239	1	the	the	DET
fsr-3293	239	2	saving	saving	NOUN
fsr-3293	239	3	measure	measure	NOUN
fsr-3293	239	4	is	be	AUX
fsr-3293	239	5	fairly	fairly	ADV
fsr-3293	239	6	limited	limited	ADJ
fsr-3293	239	7	as	as	SCONJ
fsr-3293	239	8	it	it	PRON
fsr-3293	239	9	is	be	AUX
fsr-3293	239	10	simply	simply	ADV
fsr-3293	239	11	whether	whether	SCONJ
fsr-3293	239	12	or	or	CCONJ
fsr-3293	239	13	not	not	PART
fsr-3293	239	14	the	the	DET
fsr-3293	239	15	respondent	respondent	NOUN
fsr-3293	239	16	spent	spend	VERB
fsr-3293	239	17	less	less	ADJ
fsr-3293	239	18	than	than	SCONJ
fsr-3293	239	19	they	they	PRON
fsr-3293	239	20	made	make	VERB
fsr-3293	239	21	last	last	ADJ
fsr-3293	239	22	year	year	NOUN
fsr-3293	239	23	,	,	PUNCT
fsr-3293	239	24	and	and	CCONJ
fsr-3293	239	25	it	it	PRON
fsr-3293	239	26	assumes	assume	VERB
fsr-3293	239	27	that	that	SCONJ
fsr-3293	239	28	the	the	DET
fsr-3293	239	29	respondent	respondent	NOUN
fsr-3293	239	30	actually	actually	ADV
fsr-3293	239	31	knows	know	VERB
fsr-3293	239	32	whether	whether	SCONJ
fsr-3293	239	33	or	or	CCONJ
fsr-3293	239	34	not	not	PART
fsr-3293	239	35	they	they	PRON
fsr-3293	239	36	really	really	ADV
fsr-3293	239	37	did	do	AUX
fsr-3293	239	38	spend	spend	VERB
fsr-3293	239	39	less	less	ADJ
fsr-3293	239	40	than	than	SCONJ
fsr-3293	239	41	they	they	PRON
fsr-3293	239	42	made	make	VERB
fsr-3293	239	43	.	.	PUNCT
fsr-3293	240	1	another	another	DET
fsr-3293	240	2	limitation	limitation	NOUN
fsr-3293	240	3	is	be	AUX
fsr-3293	240	4	that	that	SCONJ
fsr-3293	240	5	the	the	DET
fsr-3293	240	6	secondary	secondary	ADJ
fsr-3293	240	7	analysis	analysis	NOUN
fsr-3293	240	8	age	age	NOUN
fsr-3293	240	9	group	group	NOUN
fsr-3293	240	10	restriction	restriction	NOUN
fsr-3293	240	11	may	may	AUX
fsr-3293	240	12	be	be	AUX
fsr-3293	240	13	limited	limit	VERB
fsr-3293	240	14	because	because	SCONJ
fsr-3293	240	15	of	of	ADP
fsr-3293	240	16	the	the	DET
fsr-3293	240	17	fact	fact	NOUN
fsr-3293	240	18	that	that	SCONJ
fsr-3293	240	19	those	those	PRON
fsr-3293	240	20	in	in	ADP
fsr-3293	240	21	their	their	PRON
fsr-3293	240	22	mid	mid	NOUN
fsr-3293	240	23	-	-	PUNCT
fsr-3293	240	24	to	to	ADP
fsr-3293	240	25	-	-	PUNCT
fsr-3293	240	26	upper	upper	ADJ
fsr-3293	240	27	30s	30	NOUN
fsr-3293	240	28	,	,	PUNCT
fsr-3293	240	29	and	and	CCONJ
fsr-3293	240	30	even	even	ADV
fsr-3293	240	31	those	those	PRON
fsr-3293	240	32	in	in	ADP
fsr-3293	240	33	their	their	PRON
fsr-3293	240	34	mid	mid	NOUN
fsr-3293	240	35	-	-	PUNCT
fsr-3293	240	36	to	to	ADP
fsr-3293	240	37	-	-	PUNCT
fsr-3293	240	38	low	low	ADJ
fsr-3293	240	39	40s	40	NOUN
fsr-3293	240	40	,	,	PUNCT
fsr-3293	240	41	are	be	AUX
fsr-3293	240	42	likely	likely	ADV
fsr-3293	240	43	considerably	considerably	ADV
fsr-3293	240	44	different	different	ADJ
fsr-3293	240	45	than	than	ADP
fsr-3293	240	46	those	those	PRON
fsr-3293	240	47	in	in	ADP
fsr-3293	240	48	their	their	PRON
fsr-3293	240	49	50s	50	NOUN
fsr-3293	240	50	and	and	CCONJ
fsr-3293	240	51	early	early	ADJ
fsr-3293	240	52	60s	60	NOUN
fsr-3293	240	53	,	,	PUNCT
fsr-3293	240	54	regardless	regardless	ADV
fsr-3293	240	55	of	of	ADP
fsr-3293	240	56	rwle	rwle	NOUN
fsr-3293	240	57	.	.	PUNCT
fsr-3293	241	1	for	for	ADP
fsr-3293	241	2	example	example	NOUN
fsr-3293	241	3	,	,	PUNCT
fsr-3293	241	4	someone	someone	PRON
fsr-3293	241	5	that	that	PRON
fsr-3293	241	6	is	be	AUX
fsr-3293	241	7	40	40	NUM
fsr-3293	241	8	years	year	NOUN
fsr-3293	241	9	of	of	ADP
fsr-3293	241	10	age	age	NOUN
fsr-3293	241	11	with	with	ADP
fsr-3293	241	12	an	an	DET
fsr-3293	241	13	rwle	rwle	NOUN
fsr-3293	241	14	of	of	ADP
fsr-3293	241	15	10	10	NUM
fsr-3293	241	16	may	may	AUX
fsr-3293	241	17	be	be	AUX
fsr-3293	241	18	quite	quite	ADV
fsr-3293	241	19	different	different	ADJ
fsr-3293	241	20	than	than	ADP
fsr-3293	241	21	a	a	DET
fsr-3293	241	22	55	55	NUM
fsr-3293	241	23	-	-	PUNCT
fsr-3293	241	24	year	year	NOUN
fsr-3293	241	25	old	old	ADJ
fsr-3293	241	26	with	with	ADP
fsr-3293	241	27	an	an	DET
fsr-3293	241	28	rwle	rwle	NOUN
fsr-3293	241	29	of	of	ADP
fsr-3293	241	30	10	10	NUM
fsr-3293	241	31	.	.	PUNCT
fsr-3293	242	1	15d.r	15d.r	NUM
fsr-3293	242	2	.	.	PUNCT
fsr-3293	242	3	lawson	lawson	PROPN
fsr-3293	242	4	,	,	PUNCT
fsr-3293	242	5	s.j	s.j	PROPN
fsr-3293	242	6	.	.	PROPN
fsr-3293	242	7	heckman	heckman	PROPN
fsr-3293	242	8	/	/	SYM
fsr-3293	242	9	financial	financial	PROPN
fsr-3293	242	10	services	service	NOUN
fsr-3293	242	11	review	review	VERB
fsr-3293	242	12	26	26	NUM
fsr-3293	242	13	(	(	PUNCT
fsr-3293	242	14	2017	2017	NUM
fsr-3293	242	15	)	)	PUNCT
fsr-3293	242	16	1–18	1–18	NOUN
fsr-3293	242	17	4.2	4.2	NUM
fsr-3293	242	18	.	.	PUNCT
fsr-3293	243	1	implications	implication	NOUN
fsr-3293	243	2	the	the	DET
fsr-3293	243	3	results	result	NOUN
fsr-3293	243	4	of	of	ADP
fsr-3293	243	5	this	this	DET
fsr-3293	243	6	study	study	NOUN
fsr-3293	243	7	have	have	VERB
fsr-3293	243	8	implications	implication	NOUN
fsr-3293	243	9	for	for	ADP
fsr-3293	243	10	professionals	professional	NOUN
fsr-3293	243	11	who	who	PRON
fsr-3293	243	12	help	help	VERB
fsr-3293	243	13	individuals	individual	NOUN
fsr-3293	243	14	and	and	CCONJ
fsr-3293	243	15	families	family	NOUN
fsr-3293	243	16	plan	plan	VERB
fsr-3293	243	17	for	for	ADP
fsr-3293	243	18	retirement	retirement	NOUN
fsr-3293	243	19	,	,	PUNCT
fsr-3293	243	20	employers	employer	NOUN
fsr-3293	243	21	who	who	PRON
fsr-3293	243	22	offer	offer	VERB
fsr-3293	243	23	retirement	retirement	NOUN
fsr-3293	243	24	plans	plan	NOUN
fsr-3293	243	25	,	,	PUNCT
fsr-3293	243	26	and	and	CCONJ
fsr-3293	243	27	policymakers	policymaker	NOUN
fsr-3293	243	28	implementing	implement	VERB
fsr-3293	243	29	legislation	legislation	NOUN
fsr-3293	243	30	on	on	ADP
fsr-3293	243	31	retirement	retirement	NOUN
fsr-3293	243	32	plans	plan	NOUN
fsr-3293	243	33	.	.	PUNCT
fsr-3293	244	1	financial	financial	ADJ
fsr-3293	244	2	planners	planner	NOUN
fsr-3293	244	3	,	,	PUNCT
fsr-3293	244	4	financial	financial	ADJ
fsr-3293	244	5	counselors	counselor	NOUN
fsr-3293	244	6	,	,	PUNCT
fsr-3293	244	7	and	and	CCONJ
fsr-3293	244	8	financial	financial	ADJ
fsr-3293	244	9	therapists	therapist	NOUN
fsr-3293	244	10	have	have	VERB
fsr-3293	244	11	an	an	DET
fsr-3293	244	12	important	important	ADJ
fsr-3293	244	13	role	role	NOUN
fsr-3293	244	14	to	to	PART
fsr-3293	244	15	play	play	VERB
fsr-3293	244	16	in	in	ADP
fsr-3293	244	17	helping	help	VERB
fsr-3293	244	18	clients	client	NOUN
fsr-3293	244	19	plan	plan	VERB
fsr-3293	244	20	for	for	ADP
fsr-3293	244	21	retirement	retirement	NOUN
fsr-3293	244	22	and/or	and/or	CCONJ
fsr-3293	244	23	make	make	VERB
fsr-3293	244	24	decisions	decision	NOUN
fsr-3293	244	25	around	around	ADP
fsr-3293	244	26	consumption	consumption	NOUN
fsr-3293	244	27	choices	choice	NOUN
fsr-3293	244	28	that	that	PRON
fsr-3293	244	29	influence	influence	VERB
fsr-3293	244	30	retirement	retirement	NOUN
fsr-3293	244	31	preparedness	preparedness	NOUN
fsr-3293	244	32	.	.	PUNCT
fsr-3293	245	1	given	give	VERB
fsr-3293	245	2	that	that	SCONJ
fsr-3293	245	3	it	it	PRON
fsr-3293	245	4	is	be	AUX
fsr-3293	245	5	likely	likely	ADJ
fsr-3293	245	6	that	that	SCONJ
fsr-3293	245	7	clients	client	NOUN
fsr-3293	245	8	are	be	AUX
fsr-3293	245	9	not	not	PART
fsr-3293	245	10	taking	take	VERB
fsr-3293	245	11	into	into	ADP
fsr-3293	245	12	account	account	NOUN
fsr-3293	245	13	their	their	PRON
fsr-3293	245	14	life	life	NOUN
fsr-3293	245	15	expectancy	expectancy	NOUN
fsr-3293	245	16	,	,	PUNCT
fsr-3293	245	17	particularly	particularly	ADV
fsr-3293	245	18	the	the	DET
fsr-3293	245	19	amount	amount	NOUN
fsr-3293	245	20	of	of	ADP
fsr-3293	245	21	time	time	NOUN
fsr-3293	245	22	they	they	PRON
fsr-3293	245	23	expect	expect	VERB
fsr-3293	245	24	to	to	PART
fsr-3293	245	25	spend	spend	VERB
fsr-3293	245	26	in	in	ADP
fsr-3293	245	27	retirement	retirement	NOUN
fsr-3293	245	28	,	,	PUNCT
fsr-3293	245	29	these	these	DET
fsr-3293	245	30	professionals	professional	NOUN
fsr-3293	245	31	need	need	VERB
fsr-3293	245	32	to	to	PART
fsr-3293	245	33	carefully	carefully	ADV
fsr-3293	245	34	help	help	VERB
fsr-3293	245	35	clients	client	NOUN
fsr-3293	245	36	consider	consider	VERB
fsr-3293	245	37	how	how	SCONJ
fsr-3293	245	38	their	their	PRON
fsr-3293	245	39	consumption	consumption	NOUN
fsr-3293	245	40	choices	choice	NOUN
fsr-3293	245	41	impact	impact	VERB
fsr-3293	245	42	their	their	PRON
fsr-3293	245	43	future	future	ADJ
fsr-3293	245	44	financial	financial	ADJ
fsr-3293	245	45	resources	resource	NOUN
fsr-3293	245	46	available	available	ADJ
fsr-3293	245	47	to	to	ADP
fsr-3293	245	48	them	they	PRON
fsr-3293	245	49	and	and	CCONJ
fsr-3293	245	50	how	how	SCONJ
fsr-3293	245	51	these	these	DET
fsr-3293	245	52	choices	choice	NOUN
fsr-3293	245	53	may	may	AUX
fsr-3293	245	54	negatively	negatively	ADV
fsr-3293	245	55	influence	influence	VERB
fsr-3293	245	56	their	their	PRON
fsr-3293	245	57	retirement	retirement	NOUN
fsr-3293	245	58	lifestyle	lifestyle	NOUN
fsr-3293	245	59	.	.	PUNCT
fsr-3293	246	1	having	have	VERB
fsr-3293	246	2	conversations	conversation	NOUN
fsr-3293	246	3	early	early	ADV
fsr-3293	246	4	and	and	CCONJ
fsr-3293	246	5	often	often	ADV
fsr-3293	246	6	,	,	PUNCT
fsr-3293	246	7	and	and	CCONJ
fsr-3293	246	8	holding	hold	VERB
fsr-3293	246	9	clients	client	NOUN
fsr-3293	246	10	responsible	responsible	ADJ
fsr-3293	246	11	for	for	ADP
fsr-3293	246	12	their	their	PRON
fsr-3293	246	13	actions	action	NOUN
fsr-3293	246	14	is	be	AUX
fsr-3293	246	15	of	of	ADP
fsr-3293	246	16	utmost	utmost	ADJ
fsr-3293	246	17	importance	importance	NOUN
fsr-3293	246	18	.	.	PUNCT
fsr-3293	247	1	professionals	professional	NOUN
fsr-3293	247	2	can	can	AUX
fsr-3293	247	3	help	help	VERB
fsr-3293	247	4	clients	client	NOUN
fsr-3293	247	5	stick	stick	VERB
fsr-3293	247	6	to	to	ADP
fsr-3293	247	7	the	the	DET
fsr-3293	247	8	plan	plan	NOUN
fsr-3293	247	9	and	and	CCONJ
fsr-3293	247	10	illustrate	illustrate	VERB
fsr-3293	247	11	the	the	DET
fsr-3293	247	12	longterm	longterm	ADJ
fsr-3293	247	13	impact	impact	NOUN
fsr-3293	247	14	of	of	ADP
fsr-3293	247	15	short	short	ADJ
fsr-3293	247	16	-	-	PUNCT
fsr-3293	247	17	term	term	NOUN
fsr-3293	247	18	consumption	consumption	NOUN
fsr-3293	247	19	.	.	PUNCT
fsr-3293	248	1	this	this	PRON
fsr-3293	248	2	may	may	AUX
fsr-3293	248	3	help	help	VERB
fsr-3293	248	4	the	the	DET
fsr-3293	248	5	client	client	NOUN
fsr-3293	248	6	to	to	PART
fsr-3293	248	7	think	think	VERB
fsr-3293	248	8	twice	twice	ADV
fsr-3293	248	9	before	before	ADP
fsr-3293	248	10	making	make	VERB
fsr-3293	248	11	a	a	DET
fsr-3293	248	12	choice	choice	NOUN
fsr-3293	248	13	that	that	PRON
fsr-3293	248	14	is	be	AUX
fsr-3293	248	15	detrimental	detrimental	ADJ
fsr-3293	248	16	to	to	ADP
fsr-3293	248	17	their	their	PRON
fsr-3293	248	18	financial	financial	ADJ
fsr-3293	248	19	assets	asset	NOUN
fsr-3293	248	20	available	available	ADJ
fsr-3293	248	21	for	for	ADP
fsr-3293	248	22	retirement	retirement	NOUN
fsr-3293	248	23	.	.	PUNCT
fsr-3293	249	1	second	second	ADJ
fsr-3293	249	2	,	,	PUNCT
fsr-3293	249	3	these	these	DET
fsr-3293	249	4	results	result	NOUN
fsr-3293	249	5	may	may	AUX
fsr-3293	249	6	have	have	VERB
fsr-3293	249	7	meaningful	meaningful	ADJ
fsr-3293	249	8	impact	impact	NOUN
fsr-3293	249	9	for	for	ADP
fsr-3293	249	10	human	human	ADJ
fsr-3293	249	11	resources	resource	NOUN
fsr-3293	249	12	directors	director	NOUN
fsr-3293	249	13	and	and	CCONJ
fsr-3293	249	14	those	those	PRON
fsr-3293	249	15	who	who	PRON
fsr-3293	249	16	manage	manage	VERB
fsr-3293	249	17	retirement	retirement	NOUN
fsr-3293	249	18	plans	plan	NOUN
fsr-3293	249	19	.	.	PUNCT
fsr-3293	250	1	given	give	VERB
fsr-3293	250	2	that	that	SCONJ
fsr-3293	250	3	we	we	PRON
fsr-3293	250	4	have	have	AUX
fsr-3293	250	5	shifted	shift	VERB
fsr-3293	250	6	from	from	ADP
fsr-3293	250	7	a	a	DET
fsr-3293	250	8	defined	define	VERB
fsr-3293	250	9	benefit	benefit	NOUN
fsr-3293	250	10	(	(	PUNCT
fsr-3293	250	11	i.e.	i.e.	X
fsr-3293	250	12	,	,	PUNCT
fsr-3293	250	13	pensions	pension	NOUN
fsr-3293	250	14	)	)	PUNCT
fsr-3293	250	15	system	system	NOUN
fsr-3293	250	16	to	to	ADP
fsr-3293	250	17	a	a	DET
fsr-3293	250	18	defined	define	VERB
fsr-3293	250	19	contribution	contribution	NOUN
fsr-3293	250	20	(	(	PUNCT
fsr-3293	250	21	i.e.	i.e.	X
fsr-3293	250	22	,	,	PUNCT
fsr-3293	250	23	401(k)s	401(k)s	NOUN
fsr-3293	250	24	)	)	PUNCT
fsr-3293	250	25	system	system	NOUN
fsr-3293	250	26	,	,	PUNCT
fsr-3293	250	27	and	and	CCONJ
fsr-3293	250	28	that	that	DET
fsr-3293	250	29	willpower	willpower	NOUN
fsr-3293	250	30	and	and	CCONJ
fsr-3293	250	31	self	self	NOUN
fsr-3293	250	32	-	-	PUNCT
fsr-3293	250	33	control	control	NOUN
fsr-3293	250	34	may	may	AUX
fsr-3293	250	35	be	be	AUX
fsr-3293	250	36	an	an	DET
fsr-3293	250	37	issue	issue	NOUN
fsr-3293	250	38	,	,	PUNCT
fsr-3293	250	39	incorporating	incorporate	VERB
fsr-3293	250	40	programs	program	NOUN
fsr-3293	250	41	that	that	PRON
fsr-3293	250	42	automatically	automatically	ADV
fsr-3293	250	43	opt	opt	VERB
fsr-3293	250	44	-	-	PUNCT
fsr-3293	250	45	in	in	ADP
fsr-3293	250	46	employees	employee	NOUN
fsr-3293	250	47	to	to	ADP
fsr-3293	250	48	retirement	retirement	NOUN
fsr-3293	250	49	plans	plan	NOUN
fsr-3293	250	50	,	,	PUNCT
fsr-3293	250	51	as	as	ADV
fsr-3293	250	52	well	well	ADV
fsr-3293	250	53	as	as	ADP
fsr-3293	250	54	automatically	automatically	ADV
fsr-3293	250	55	increase	increase	VERB
fsr-3293	250	56	the	the	DET
fsr-3293	250	57	employees	employee	NOUN
fsr-3293	250	58	’	’	PART
fsr-3293	250	59	initial	initial	ADJ
fsr-3293	250	60	level	level	NOUN
fsr-3293	250	61	of	of	ADP
fsr-3293	250	62	savings	saving	NOUN
fsr-3293	250	63	to	to	ADP
fsr-3293	250	64	some	some	DET
fsr-3293	250	65	maximum	maximum	ADJ
fsr-3293	250	66	reasonable	reasonable	ADJ
fsr-3293	250	67	percentage	percentage	NOUN
fsr-3293	250	68	,	,	PUNCT
fsr-3293	250	69	may	may	AUX
fsr-3293	250	70	be	be	AUX
fsr-3293	250	71	a	a	DET
fsr-3293	250	72	welcome	welcome	ADJ
fsr-3293	250	73	adjustment	adjustment	NOUN
fsr-3293	250	74	.	.	PUNCT
fsr-3293	251	1	previous	previous	ADJ
fsr-3293	251	2	research	research	NOUN
fsr-3293	251	3	has	have	AUX
fsr-3293	251	4	found	find	VERB
fsr-3293	251	5	that	that	SCONJ
fsr-3293	251	6	this	this	PRON
fsr-3293	251	7	is	be	AUX
fsr-3293	251	8	a	a	DET
fsr-3293	251	9	significant	significant	ADJ
fsr-3293	251	10	way	way	NOUN
fsr-3293	251	11	to	to	PART
fsr-3293	251	12	help	help	VERB
fsr-3293	251	13	increase	increase	VERB
fsr-3293	251	14	employees	employee	NOUN
fsr-3293	251	15	’	'	PUNCT
fsr-3293	251	16	savings	saving	NOUN
fsr-3293	251	17	(	(	PUNCT
fsr-3293	251	18	beshears	beshear	NOUN
fsr-3293	251	19	,	,	PUNCT
fsr-3293	251	20	choi	choi	NOUN
fsr-3293	251	21	,	,	PUNCT
fsr-3293	251	22	laibson	laibson	PROPN
fsr-3293	251	23	,	,	PUNCT
fsr-3293	251	24	&	&	CCONJ
fsr-3293	251	25	madrian	madrian	PROPN
fsr-3293	251	26	,	,	PUNCT
fsr-3293	251	27	2009	2009	NUM
fsr-3293	251	28	;	;	PUNCT
fsr-3293	251	29	thaler	thaler	PROPN
fsr-3293	251	30	&	&	CCONJ
fsr-3293	251	31	benartzi	benartzi	PROPN
fsr-3293	251	32	,	,	PUNCT
fsr-3293	251	33	2004	2004	NUM
fsr-3293	251	34	)	)	PUNCT
fsr-3293	251	35	.	.	PUNCT
fsr-3293	252	1	although	although	SCONJ
fsr-3293	252	2	our	our	PRON
fsr-3293	252	3	results	result	NOUN
fsr-3293	252	4	are	be	AUX
fsr-3293	252	5	not	not	PART
fsr-3293	252	6	conclusive	conclusive	ADJ
fsr-3293	252	7	,	,	PUNCT
fsr-3293	252	8	the	the	DET
fsr-3293	252	9	general	general	ADJ
fsr-3293	252	10	lack	lack	NOUN
fsr-3293	252	11	of	of	ADP
fsr-3293	252	12	impact	impact	NOUN
fsr-3293	252	13	of	of	ADP
fsr-3293	252	14	life	life	NOUN
fsr-3293	252	15	expectancy	expectancy	NOUN
fsr-3293	252	16	on	on	ADP
fsr-3293	252	17	consumption	consumption	NOUN
fsr-3293	252	18	choices	choice	NOUN
fsr-3293	252	19	suggest	suggest	VERB
fsr-3293	252	20	there	there	PRON
fsr-3293	252	21	is	be	VERB
fsr-3293	252	22	a	a	DET
fsr-3293	252	23	need	need	NOUN
fsr-3293	252	24	for	for	ADP
fsr-3293	252	25	policies	policy	NOUN
fsr-3293	252	26	aimed	aim	VERB
fsr-3293	252	27	at	at	ADP
fsr-3293	252	28	improving	improve	VERB
fsr-3293	252	29	retirement	retirement	NOUN
fsr-3293	252	30	preparation	preparation	NOUN
fsr-3293	252	31	in	in	ADP
fsr-3293	252	32	the	the	DET
fsr-3293	252	33	united	united	PROPN
fsr-3293	252	34	states	states	PROPN
fsr-3293	252	35	.	.	PUNCT
fsr-3293	253	1	if	if	SCONJ
fsr-3293	253	2	our	our	PRON
fsr-3293	253	3	result	result	NOUN
fsr-3293	253	4	is	be	AUX
fsr-3293	253	5	explained	explain	VERB
fsr-3293	253	6	by	by	ADP
fsr-3293	253	7	willpower	willpower	NOUN
fsr-3293	253	8	and	and	CCONJ
fsr-3293	253	9	self	self	NOUN
fsr-3293	253	10	-	-	PUNCT
fsr-3293	253	11	control	control	NOUN
fsr-3293	253	12	problems	problem	NOUN
fsr-3293	253	13	,	,	PUNCT
fsr-3293	253	14	legislation	legislation	NOUN
fsr-3293	253	15	requiring	require	VERB
fsr-3293	253	16	employers	employer	NOUN
fsr-3293	253	17	to	to	PART
fsr-3293	253	18	,	,	PUNCT
fsr-3293	253	19	at	at	ADP
fsr-3293	253	20	minimum	minimum	NOUN
fsr-3293	253	21	,	,	PUNCT
fsr-3293	253	22	automatically	automatically	ADV
fsr-3293	253	23	enroll	enroll	VERB
fsr-3293	253	24	their	their	PRON
fsr-3293	253	25	employees	employee	NOUN
fsr-3293	253	26	into	into	ADP
fsr-3293	253	27	defined	define	VERB
fsr-3293	253	28	contribution	contribution	NOUN
fsr-3293	253	29	plans	plan	NOUN
fsr-3293	253	30	seem	seem	VERB
fsr-3293	253	31	beneficial	beneficial	ADJ
fsr-3293	253	32	.	.	PUNCT
fsr-3293	254	1	according	accord	VERB
fsr-3293	254	2	to	to	ADP
fsr-3293	254	3	aegon	aegon	PROPN
fsr-3293	254	4	(	(	PUNCT
fsr-3293	254	5	2016	2016	NUM
fsr-3293	254	6	)	)	PUNCT
fsr-3293	254	7	,	,	PUNCT
fsr-3293	254	8	three	three	NUM
fsr-3293	254	9	-	-	PUNCT
fsr-3293	254	10	quarters	quarter	NOUN
fsr-3293	254	11	(	(	PUNCT
fsr-3293	254	12	76	76	NUM
fsr-3293	254	13	%	%	NOUN
fsr-3293	254	14	)	)	PUNCT
fsr-3293	254	15	of	of	ADP
fsr-3293	254	16	respondents	respondent	NOUN
fsr-3293	254	17	agreed	agree	VERB
fsr-3293	254	18	on	on	ADP
fsr-3293	254	19	some	some	DET
fsr-3293	254	20	level	level	NOUN
fsr-3293	254	21	that	that	SCONJ
fsr-3293	254	22	the	the	DET
fsr-3293	254	23	government	government	NOUN
fsr-3293	254	24	should	should	AUX
fsr-3293	254	25	mandate	mandate	VERB
fsr-3293	254	26	employers	employer	NOUN
fsr-3293	254	27	to	to	ADP
fsr-3293	254	28	auto	auto	NOUN
fsr-3293	254	29	-	-	PUNCT
fsr-3293	254	30	enroll	enroll	VERB
fsr-3293	254	31	employees	employee	NOUN
fsr-3293	254	32	into	into	ADP
fsr-3293	254	33	the	the	DET
fsr-3293	254	34	defined	define	VERB
fsr-3293	254	35	contribution	contribution	NOUN
fsr-3293	254	36	plans	plan	NOUN
fsr-3293	254	37	.	.	PUNCT
fsr-3293	255	1	this	this	DET
fsr-3293	255	2	article	article	NOUN
fsr-3293	255	3	contributes	contribute	VERB
fsr-3293	255	4	to	to	ADP
fsr-3293	255	5	the	the	DET
fsr-3293	255	6	literature	literature	NOUN
fsr-3293	255	7	by	by	ADP
fsr-3293	255	8	showing	show	VERB
fsr-3293	255	9	that	that	SCONJ
fsr-3293	255	10	even	even	ADV
fsr-3293	255	11	if	if	SCONJ
fsr-3293	255	12	consumers	consumer	NOUN
fsr-3293	255	13	are	be	AUX
fsr-3293	255	14	considering	consider	VERB
fsr-3293	255	15	subjective	subjective	ADJ
fsr-3293	255	16	life	life	NOUN
fsr-3293	255	17	expectancy	expectancy	NOUN
fsr-3293	255	18	and	and	CCONJ
fsr-3293	255	19	their	their	PRON
fsr-3293	255	20	work	work	NOUN
fsr-3293	255	21	life	life	NOUN
fsr-3293	255	22	and	and	CCONJ
fsr-3293	255	23	retirement	retirement	NOUN
fsr-3293	255	24	periods	period	NOUN
fsr-3293	255	25	,	,	PUNCT
fsr-3293	255	26	they	they	PRON
fsr-3293	255	27	are	be	AUX
fsr-3293	255	28	doing	do	VERB
fsr-3293	255	29	a	a	DET
fsr-3293	255	30	poor	poor	ADJ
fsr-3293	255	31	job	job	NOUN
fsr-3293	255	32	.	.	PUNCT
fsr-3293	256	1	this	this	PRON
fsr-3293	256	2	may	may	AUX
fsr-3293	256	3	be	be	AUX
fsr-3293	256	4	due	due	ADJ
fsr-3293	256	5	,	,	PUNCT
fsr-3293	256	6	in	in	ADP
fsr-3293	256	7	part	part	NOUN
fsr-3293	256	8	,	,	PUNCT
fsr-3293	256	9	to	to	ADP
fsr-3293	256	10	self	self	NOUN
fsr-3293	256	11	-	-	PUNCT
fsr-3293	256	12	control	control	NOUN
fsr-3293	256	13	and	and	CCONJ
fsr-3293	256	14	willpower	willpower	NOUN
fsr-3293	256	15	issues	issue	NOUN
fsr-3293	256	16	in	in	ADP
fsr-3293	256	17	delaying	delay	VERB
fsr-3293	256	18	current	current	ADJ
fsr-3293	256	19	consumption	consumption	NOUN
fsr-3293	256	20	to	to	PART
fsr-3293	256	21	provide	provide	VERB
fsr-3293	256	22	consumption	consumption	NOUN
fsr-3293	256	23	during	during	ADP
fsr-3293	256	24	retirement	retirement	NOUN
fsr-3293	256	25	.	.	PUNCT
fsr-3293	257	1	the	the	DET
fsr-3293	257	2	most	most	ADV
fsr-3293	257	3	likely	likely	ADJ
fsr-3293	257	4	explanation	explanation	NOUN
fsr-3293	257	5	is	be	AUX
fsr-3293	257	6	that	that	SCONJ
fsr-3293	257	7	consumers	consumer	NOUN
fsr-3293	257	8	do	do	AUX
fsr-3293	257	9	not	not	PART
fsr-3293	257	10	consider	consider	VERB
fsr-3293	257	11	their	their	PRON
fsr-3293	257	12	life	life	NOUN
fsr-3293	257	13	expectancy	expectancy	NOUN
fsr-3293	257	14	and	and	CCONJ
fsr-3293	257	15	associated	associated	ADJ
fsr-3293	257	16	work	work	NOUN
fsr-3293	257	17	and	and	CCONJ
fsr-3293	257	18	retirement	retirement	NOUN
fsr-3293	257	19	periods	period	NOUN
fsr-3293	257	20	when	when	SCONJ
fsr-3293	257	21	making	make	VERB
fsr-3293	257	22	consumption	consumption	NOUN
fsr-3293	257	23	choices	choice	NOUN
fsr-3293	257	24	,	,	PUNCT
fsr-3293	257	25	resulting	result	VERB
fsr-3293	257	26	in	in	ADP
fsr-3293	257	27	a	a	DET
fsr-3293	257	28	failure	failure	NOUN
fsr-3293	257	29	to	to	PART
fsr-3293	257	30	adjust	adjust	VERB
fsr-3293	257	31	their	their	PRON
fsr-3293	257	32	consumption	consumption	NOUN
fsr-3293	257	33	levels	level	NOUN
fsr-3293	257	34	over	over	ADP
fsr-3293	257	35	the	the	DET
fsr-3293	257	36	course	course	NOUN
fsr-3293	257	37	of	of	ADP
fsr-3293	257	38	their	their	PRON
fsr-3293	257	39	life	life	NOUN
fsr-3293	257	40	.	.	PUNCT
fsr-3293	258	1	subsequently	subsequently	ADV
fsr-3293	258	2	,	,	PUNCT
fsr-3293	258	3	this	this	PRON
fsr-3293	258	4	results	result	VERB
fsr-3293	258	5	in	in	ADP
fsr-3293	258	6	a	a	DET
fsr-3293	258	7	lack	lack	NOUN
fsr-3293	258	8	of	of	ADP
fsr-3293	258	9	retirement	retirement	NOUN
fsr-3293	258	10	preparedness	preparedness	NOUN
fsr-3293	258	11	for	for	ADP
fsr-3293	258	12	these	these	DET
fsr-3293	258	13	individuals	individual	NOUN
fsr-3293	258	14	.	.	PUNCT
fsr-3293	259	1	notes	note	NOUN
fsr-3293	259	2	1	1	NUM
fsr-3293	259	3	for	for	ADP
fsr-3293	259	4	example	example	NOUN
fsr-3293	259	5	,	,	PUNCT
fsr-3293	259	6	using	use	VERB
fsr-3293	259	7	an	an	DET
fsr-3293	259	8	80	80	NUM
fsr-3293	259	9	%	%	NOUN
fsr-3293	259	10	retirement	retirement	NOUN
fsr-3293	259	11	income	income	NOUN
fsr-3293	259	12	replacement	replacement	NOUN
fsr-3293	259	13	rate	rate	NOUN
fsr-3293	259	14	for	for	ADP
fsr-3293	259	15	our	our	PRON
fsr-3293	259	16	sample	sample	NOUN
fsr-3293	259	17	’s	’s	PART
fsr-3293	259	18	median	median	ADJ
fsr-3293	259	19	income	income	NOUN
fsr-3293	259	20	(	(	PUNCT
fsr-3293	259	21	$	$	SYM
fsr-3293	259	22	68,988	68,988	NUM
fsr-3293	259	23	)	)	PUNCT
fsr-3293	259	24	results	result	NOUN
fsr-3293	259	25	in	in	ADP
fsr-3293	259	26	$	$	SYM
fsr-3293	259	27	55,190	55,190	NUM
fsr-3293	259	28	in	in	ADP
fsr-3293	259	29	annual	annual	ADJ
fsr-3293	259	30	income	income	NOUN
fsr-3293	259	31	needs	need	NOUN
fsr-3293	259	32	during	during	ADP
fsr-3293	259	33	retirement	retirement	NOUN
fsr-3293	259	34	.	.	PUNCT
fsr-3293	260	1	16	16	NUM
fsr-3293	260	2	d.r	d.r	PROPN
fsr-3293	260	3	.	.	PROPN
fsr-3293	260	4	lawson	lawson	PROPN
fsr-3293	260	5	,	,	PUNCT
fsr-3293	260	6	s.j	s.j	PROPN
fsr-3293	260	7	.	.	PROPN
fsr-3293	260	8	heckman	heckman	PROPN
fsr-3293	260	9	/	/	SYM
fsr-3293	260	10	financial	financial	PROPN
fsr-3293	260	11	services	service	NOUN
fsr-3293	260	12	review	review	VERB
fsr-3293	260	13	26	26	NUM
fsr-3293	260	14	(	(	PUNCT
fsr-3293	260	15	2017	2017	NUM
fsr-3293	260	16	)	)	PUNCT
fsr-3293	260	17	1–18	1–18	NUM
fsr-3293	260	18	based	base	VERB
fsr-3293	260	19	on	on	ADP
fsr-3293	260	20	the	the	DET
fsr-3293	260	21	median	median	ADJ
fsr-3293	260	22	financial	financial	ADJ
fsr-3293	260	23	assets	asset	NOUN
fsr-3293	260	24	of	of	ADP
fsr-3293	260	25	our	our	PRON
fsr-3293	260	26	sample	sample	NOUN
fsr-3293	260	27	(	(	PUNCT
fsr-3293	260	28	$	$	SYM
fsr-3293	260	29	224,950	224,950	NUM
fsr-3293	260	30	)	)	PUNCT
fsr-3293	260	31	,	,	PUNCT
fsr-3293	260	32	a	a	DET
fsr-3293	260	33	24.5	24.5	NUM
fsr-3293	260	34	%	%	NOUN
fsr-3293	260	35	annual	annual	ADJ
fsr-3293	260	36	return	return	NOUN
fsr-3293	260	37	would	would	AUX
fsr-3293	260	38	be	be	AUX
fsr-3293	260	39	needed	need	VERB
fsr-3293	260	40	to	to	PART
fsr-3293	260	41	fund	fund	VERB
fsr-3293	260	42	this	this	DET
fsr-3293	260	43	retirement	retirement	NOUN
fsr-3293	260	44	lifestyle	lifestyle	NOUN
fsr-3293	260	45	in	in	ADP
fsr-3293	260	46	perpetuity	perpetuity	NOUN
fsr-3293	260	47	(	(	PUNCT
fsr-3293	260	48	$	$	SYM
fsr-3293	260	49	55,190/$224,950	55,190/$224,950	NUM
fsr-3293	260	50	)	)	PUNCT
fsr-3293	260	51	.	.	PUNCT
fsr-3293	261	1	alternatively	alternatively	ADV
fsr-3293	261	2	,	,	PUNCT
fsr-3293	261	3	a	a	DET
fsr-3293	261	4	portfolio	portfolio	NOUN
fsr-3293	261	5	of	of	ADP
fsr-3293	261	6	approximately	approximately	ADV
fsr-3293	261	7	$	$	SYM
fsr-3293	261	8	1	1	NUM
fsr-3293	261	9	million	million	NUM
fsr-3293	261	10	would	would	AUX
fsr-3293	261	11	be	be	AUX
fsr-3293	261	12	needed	need	VERB
fsr-3293	261	13	to	to	PART
fsr-3293	261	14	earn	earn	VERB
fsr-3293	261	15	the	the	DET
fsr-3293	261	16	amount	amount	NOUN
fsr-3293	261	17	necessary	necessary	ADJ
fsr-3293	261	18	for	for	ADP
fsr-3293	261	19	retirement	retirement	NOUN
fsr-3293	261	20	spending	spending	NOUN
fsr-3293	261	21	,	,	PUNCT
fsr-3293	261	22	given	give	VERB
fsr-3293	261	23	the	the	DET
fsr-3293	261	24	assumptions	assumption	NOUN
fsr-3293	261	25	above	above	ADV
fsr-3293	261	26	(	(	PUNCT
fsr-3293	261	27	based	base	VERB
fsr-3293	261	28	on	on	ADP
fsr-3293	261	29	a	a	DET
fsr-3293	261	30	more	more	ADV
fsr-3293	261	31	realistic	realistic	ADJ
fsr-3293	261	32	5.5	5.5	NUM
fsr-3293	261	33	%	%	NOUN
fsr-3293	261	34	annual	annual	ADJ
fsr-3293	261	35	return	return	NOUN
fsr-3293	261	36	;	;	PUNCT
fsr-3293	261	37	$	$	SYM
fsr-3293	261	38	1m*.055	1m*.055	NUM
fsr-3293	261	39	�	�	PROPN
fsr-3293	261	40	$	$	SYM
fsr-3293	261	41	55,000	55,000	NUM
fsr-3293	261	42	)	)	PUNCT
fsr-3293	261	43	.	.	PUNCT
fsr-3293	262	1	hence	hence	ADV
fsr-3293	262	2	,	,	PUNCT
fsr-3293	262	3	it	it	PRON
fsr-3293	262	4	is	be	AUX
fsr-3293	262	5	plausible	plausible	ADJ
fsr-3293	262	6	that	that	SCONJ
fsr-3293	262	7	many	many	ADJ
fsr-3293	262	8	households	household	NOUN
fsr-3293	262	9	do	do	AUX
fsr-3293	262	10	not	not	PART
fsr-3293	262	11	have	have	VERB
fsr-3293	262	12	the	the	DET
fsr-3293	262	13	resources	resource	NOUN
fsr-3293	262	14	available	available	ADJ
fsr-3293	262	15	to	to	PART
fsr-3293	262	16	fund	fund	VERB
fsr-3293	262	17	such	such	DET
fsr-3293	262	18	a	a	DET
fsr-3293	262	19	retirement	retirement	NOUN
fsr-3293	262	20	income	income	NOUN
fsr-3293	262	21	requirement	requirement	NOUN
fsr-3293	262	22	,	,	PUNCT
fsr-3293	262	23	and	and	CCONJ
fsr-3293	262	24	that	that	SCONJ
fsr-3293	262	25	current	current	ADJ
fsr-3293	262	26	financial	financial	ADJ
fsr-3293	262	27	asset	asset	NOUN
fsr-3293	262	28	income	income	NOUN
fsr-3293	262	29	would	would	AUX
fsr-3293	262	30	not	not	PART
fsr-3293	262	31	be	be	AUX
fsr-3293	262	32	sufficient	sufficient	ADJ
fsr-3293	262	33	to	to	PART
fsr-3293	262	34	fund	fund	VERB
fsr-3293	262	35	retirement	retirement	NOUN
fsr-3293	262	36	income	income	NOUN
fsr-3293	262	37	needs	need	NOUN
fsr-3293	262	38	.	.	PUNCT
fsr-3293	263	1	2	2	NUM
fsr-3293	263	2	spending	spending	NOUN
fsr-3293	263	3	relative	relative	ADJ
fsr-3293	263	4	to	to	ADP
fsr-3293	263	5	income	income	NOUN
fsr-3293	263	6	(	(	PUNCT
fsr-3293	263	7	less	less	ADJ
fsr-3293	263	8	,	,	PUNCT
fsr-3293	263	9	equal	equal	ADJ
fsr-3293	263	10	to	to	ADP
fsr-3293	263	11	,	,	PUNCT
fsr-3293	263	12	or	or	CCONJ
fsr-3293	263	13	more	more	ADJ
fsr-3293	263	14	)	)	PUNCT
fsr-3293	263	15	in	in	ADP
fsr-3293	263	16	a	a	DET
fsr-3293	263	17	multinomial	multinomial	ADJ
fsr-3293	263	18	logit	logit	NOUN
fsr-3293	263	19	was	be	AUX
fsr-3293	263	20	modeled	model	VERB
fsr-3293	263	21	.	.	PUNCT
fsr-3293	264	1	results	result	NOUN
fsr-3293	264	2	did	do	AUX
fsr-3293	264	3	not	not	PART
fsr-3293	264	4	differ	differ	VERB
fsr-3293	264	5	so	so	SCONJ
fsr-3293	264	6	the	the	DET
fsr-3293	264	7	simpler	simple	ADJ
fsr-3293	264	8	(	(	PUNCT
fsr-3293	264	9	binary	binary	ADJ
fsr-3293	264	10	)	)	PUNCT
fsr-3293	264	11	model	model	NOUN
fsr-3293	264	12	is	be	AUX
fsr-3293	264	13	presented	present	VERB
fsr-3293	264	14	.	.	PUNCT
fsr-3293	265	1	references	reference	NOUN
fsr-3293	265	2	aegon	aegon	PROPN
fsr-3293	265	3	.	.	PUNCT
fsr-3293	266	1	(	(	PUNCT
fsr-3293	266	2	2016	2016	NUM
fsr-3293	266	3	)	)	PUNCT
fsr-3293	266	4	.	.	PUNCT
fsr-3293	267	1	a	a	DET
fsr-3293	267	2	retirement	retirement	NOUN
fsr-3293	267	3	wake	wake	VERB
fsr-3293	267	4	-	-	PUNCT
fsr-3293	267	5	up	up	ADP
fsr-3293	267	6	call	call	NOUN
fsr-3293	267	7	:	:	PUNCT
fsr-3293	267	8	the	the	DET
fsr-3293	267	9	aegon	aegon	PROPN
fsr-3293	267	10	retirement	retirement	PROPN
fsr-3293	267	11	readiness	readiness	PROPN
fsr-3293	267	12	survey	survey	NOUN
fsr-3293	267	13	2016	2016	NUM
fsr-3293	267	14	:	:	PUNCT
fsr-3293	267	15	united	united	PROPN
fsr-3293	267	16	states	states	PROPN
fsr-3293	267	17	country	country	PROPN
fsr-3293	267	18	report	report	PROPN
fsr-3293	267	19	.	.	PUNCT
fsr-3293	268	1	aegon	aegon	PROPN
fsr-3293	268	2	:	:	PUNCT
fsr-3293	268	3	center	center	NOUN
fsr-3293	268	4	for	for	ADP
fsr-3293	268	5	longevity	longevity	NOUN
fsr-3293	268	6	and	and	CCONJ
fsr-3293	268	7	retirement	retirement	NOUN
fsr-3293	268	8	(	(	PUNCT
fsr-3293	268	9	available	available	ADJ
fsr-3293	268	10	at	at	ADP
fsr-3293	268	11	http://www.aegon.com/	http://www.aegon.com/	NOUN
fsr-3293	268	12	documents	document	NOUN
fsr-3293	268	13	/	/	SYM
fsr-3293	268	14	aegon	aegon	PROPN
fsr-3293	268	15	-	-	PUNCT
fsr-3293	268	16	com	com	NOUN
fsr-3293	268	17	/	/	SYM
fsr-3293	268	18	research/2016	research/2016	NOUN
fsr-3293	268	19	-	-	PUNCT
fsr-3293	268	20	retirement	retirement	NOUN
fsr-3293	268	21	-	-	PUNCT
fsr-3293	268	22	survey/2016	survey/2016	NOUN
fsr-3293	268	23	-	-	PUNCT
fsr-3293	268	24	aegon	aegon	PROPN
fsr-3293	268	25	-	-	PUNCT
fsr-3293	268	26	retirement	retirement	NOUN
fsr-3293	268	27	-	-	PUNCT
fsr-3293	268	28	readiness	readiness	NOUN
fsr-3293	268	29	-	-	PUNCT
fsr-3293	268	30	report	report	NOUN
fsr-3293	268	31	-	-	PUNCT
fsr-3293	268	32	usa.pdf	usa.pdf	NOUN
fsr-3293	268	33	)	)	PUNCT
fsr-3293	268	34	.	.	PUNCT
fsr-3293	269	1	ando	ando	PROPN
fsr-3293	269	2	,	,	PUNCT
fsr-3293	269	3	a.	a.	PROPN
fsr-3293	269	4	,	,	PUNCT
fsr-3293	269	5	&	&	CCONJ
fsr-3293	269	6	modigliani	modigliani	PROPN
fsr-3293	269	7	,	,	PUNCT
fsr-3293	269	8	f.	f.	PROPN
fsr-3293	269	9	(	(	PUNCT
fsr-3293	269	10	1963	1963	NUM
fsr-3293	269	11	)	)	PUNCT
fsr-3293	269	12	.	.	PUNCT
fsr-3293	270	1	the	the	DET
fsr-3293	270	2	“	"	PUNCT
fsr-3293	270	3	life	life	NOUN
fsr-3293	270	4	cycle	cycle	NOUN
fsr-3293	270	5	”	"	PUNCT
fsr-3293	270	6	hypothesis	hypothesis	NOUN
fsr-3293	270	7	of	of	ADP
fsr-3293	270	8	saving	saving	NOUN
fsr-3293	270	9	:	:	PUNCT
fsr-3293	270	10	aggregate	aggregate	VERB
fsr-3293	270	11	implications	implication	NOUN
fsr-3293	270	12	and	and	CCONJ
fsr-3293	270	13	tests	test	NOUN
fsr-3293	270	14	.	.	PUNCT
fsr-3293	271	1	the	the	DET
fsr-3293	271	2	american	american	PROPN
fsr-3293	271	3	economic	economic	PROPN
fsr-3293	271	4	review	review	PROPN
fsr-3293	271	5	,	,	PUNCT
fsr-3293	271	6	53	53	NUM
fsr-3293	271	7	,	,	PUNCT
fsr-3293	271	8	55–84	55–84	NOUN
fsr-3293	271	9	.	.	PUNCT
fsr-3293	272	1	beshears	beshear	NOUN
fsr-3293	272	2	,	,	PUNCT
fsr-3293	272	3	j.	j.	PROPN
fsr-3293	272	4	,	,	PUNCT
fsr-3293	272	5	choi	choi	PROPN
fsr-3293	272	6	,	,	PUNCT
fsr-3293	272	7	j.	j.	PROPN
fsr-3293	272	8	j.	j.	PROPN
fsr-3293	272	9	,	,	PUNCT
fsr-3293	272	10	laibson	laibson	PROPN
fsr-3293	272	11	,	,	PUNCT
fsr-3293	272	12	d.	d.	PROPN
fsr-3293	272	13	,	,	PUNCT
fsr-3293	272	14	&	&	CCONJ
fsr-3293	272	15	madrian	madrian	PROPN
fsr-3293	272	16	,	,	PUNCT
fsr-3293	272	17	b.	b.	PROPN
fsr-3293	272	18	c.	c.	PROPN
fsr-3293	272	19	(	(	PUNCT
fsr-3293	272	20	2009	2009	NUM
fsr-3293	272	21	)	)	PUNCT
fsr-3293	272	22	.	.	PUNCT
fsr-3293	273	1	the	the	DET
fsr-3293	273	2	importance	importance	NOUN
fsr-3293	273	3	of	of	ADP
fsr-3293	273	4	default	default	NOUN
fsr-3293	273	5	options	option	NOUN
fsr-3293	273	6	for	for	ADP
fsr-3293	273	7	retirement	retirement	NOUN
fsr-3293	273	8	savings	saving	NOUN
fsr-3293	273	9	outcomes	outcome	NOUN
fsr-3293	273	10	:	:	PUNCT
fsr-3293	273	11	evidence	evidence	NOUN
fsr-3293	273	12	from	from	ADP
fsr-3293	273	13	the	the	DET
fsr-3293	273	14	united	united	PROPN
fsr-3293	273	15	states	states	PROPN
fsr-3293	273	16	.	.	PUNCT
fsr-3293	274	1	in	in	ADP
fsr-3293	274	2	j.	j.	PROPN
fsr-3293	274	3	r.	r.	PROPN
fsr-3293	274	4	brown	brown	PROPN
fsr-3293	274	5	,	,	PUNCT
fsr-3293	274	6	j.	j.	PROPN
fsr-3293	274	7	b.	b.	PROPN
fsr-3293	274	8	liebman	liebman	PROPN
fsr-3293	274	9	,	,	PUNCT
fsr-3293	274	10	&	&	CCONJ
fsr-3293	274	11	d.	d.	PROPN
fsr-3293	274	12	a.	a.	PROPN
fsr-3293	274	13	wise	wise	PROPN
fsr-3293	274	14	(	(	PUNCT
fsr-3293	274	15	eds	ed	NOUN
fsr-3293	274	16	.	.	PUNCT
fsr-3293	274	17	)	)	PUNCT
fsr-3293	274	18	,	,	PUNCT
fsr-3293	274	19	social	social	ADJ
fsr-3293	274	20	security	security	NOUN
fsr-3293	274	21	policy	policy	NOUN
fsr-3293	274	22	in	in	ADP
fsr-3293	274	23	a	a	DET
fsr-3293	274	24	changing	change	VERB
fsr-3293	274	25	environment	environment	NOUN
fsr-3293	274	26	(	(	PUNCT
fsr-3293	274	27	pp	pp	ADJ
fsr-3293	274	28	.	.	PUNCT
fsr-3293	275	1	167–195	167–195	NUM
fsr-3293	275	2	)	)	PUNCT
fsr-3293	275	3	.	.	PUNCT
fsr-3293	276	1	chicago	chicago	PROPN
fsr-3293	276	2	,	,	PUNCT
fsr-3293	276	3	il	il	PROPN
fsr-3293	276	4	:	:	PUNCT
fsr-3293	276	5	university	university	PROPN
fsr-3293	276	6	of	of	ADP
fsr-3293	276	7	chicago	chicago	PROPN
fsr-3293	276	8	press	press	PROPN
fsr-3293	276	9	.	.	PUNCT
fsr-3293	277	1	bloom	bloom	PROPN
fsr-3293	277	2	,	,	PUNCT
fsr-3293	277	3	d.	d.	PROPN
fsr-3293	277	4	e.	e.	PROPN
fsr-3293	277	5	,	,	PUNCT
fsr-3293	277	6	canning	canning	NOUN
fsr-3293	277	7	,	,	PUNCT
fsr-3293	277	8	d.	d.	PROPN
fsr-3293	277	9	,	,	PUNCT
fsr-3293	277	10	&	&	CCONJ
fsr-3293	277	11	graham	graham	PROPN
fsr-3293	277	12	,	,	PUNCT
fsr-3293	277	13	b.	b.	PROPN
fsr-3293	277	14	(	(	PUNCT
fsr-3293	277	15	2003	2003	NUM
fsr-3293	277	16	)	)	PUNCT
fsr-3293	277	17	.	.	PUNCT
fsr-3293	278	1	longevity	longevity	NOUN
fsr-3293	278	2	and	and	CCONJ
fsr-3293	278	3	life	life	NOUN
fsr-3293	278	4	-	-	PUNCT
fsr-3293	278	5	cycle	cycle	NOUN
fsr-3293	278	6	savings	saving	NOUN
fsr-3293	278	7	.	.	PUNCT
fsr-3293	279	1	scandinavian	scandinavian	ADJ
fsr-3293	279	2	journal	journal	PROPN
fsr-3293	279	3	of	of	ADP
fsr-3293	279	4	economics	economic	NOUN
fsr-3293	279	5	,	,	PUNCT
fsr-3293	279	6	105	105	NUM
fsr-3293	279	7	,	,	PUNCT
fsr-3293	279	8	319–338	319–338	NUM
fsr-3293	279	9	.	.	PUNCT
fsr-3293	279	10	bloom	bloom	NOUN
fsr-3293	279	11	,	,	PUNCT
fsr-3293	279	12	d.	d.	PROPN
fsr-3293	279	13	e.	e.	PROPN
fsr-3293	279	14	,	,	PUNCT
fsr-3293	279	15	canning	canning	NOUN
fsr-3293	279	16	,	,	PUNCT
fsr-3293	279	17	d.	d.	PROPN
fsr-3293	279	18	,	,	PUNCT
fsr-3293	279	19	&	&	CCONJ
fsr-3293	279	20	moore	moore	PROPN
fsr-3293	279	21	,	,	PUNCT
fsr-3293	279	22	m.	m.	NOUN
fsr-3293	279	23	(	(	PUNCT
fsr-3293	279	24	2004	2004	NUM
fsr-3293	279	25	)	)	PUNCT
fsr-3293	279	26	.	.	PUNCT
fsr-3293	280	1	health	health	NOUN
fsr-3293	280	2	,	,	PUNCT
fsr-3293	280	3	longevity	longevity	NOUN
fsr-3293	280	4	,	,	PUNCT
fsr-3293	280	5	and	and	CCONJ
fsr-3293	280	6	optimal	optimal	ADJ
fsr-3293	280	7	retirement	retirement	NOUN
fsr-3293	280	8	(	(	PUNCT
fsr-3293	280	9	available	available	ADJ
fsr-3293	280	10	at	at	ADP
fsr-3293	280	11	ssrn	ssrn	PROPN
fsr-3293	280	12	:	:	PUNCT
fsr-3293	280	13	http://dx.doi.org/10.2139/ssrn.594801	http://dx.doi.org/10.2139/ssrn.594801	NOUN
fsr-3293	280	14	)	)	PUNCT
fsr-3293	280	15	.	.	PUNCT
fsr-3293	281	1	bloom	bloom	PROPN
fsr-3293	281	2	,	,	PUNCT
fsr-3293	281	3	d.	d.	PROPN
fsr-3293	281	4	e.	e.	PROPN
fsr-3293	281	5	,	,	PUNCT
fsr-3293	281	6	canning	can	VERB
fsr-3293	281	7	d.	d.	PROPN
fsr-3293	281	8	,	,	PUNCT
fsr-3293	281	9	moore	moore	PROPN
fsr-3293	281	10	,	,	PUNCT
fsr-3293	281	11	m.	m.	NOUN
fsr-3293	281	12	,	,	PUNCT
fsr-3293	281	13	&	&	CCONJ
fsr-3293	281	14	song	song	PROPN
fsr-3293	281	15	,	,	PUNCT
fsr-3293	281	16	y.	y.	PROPN
fsr-3293	281	17	(	(	PUNCT
fsr-3293	281	18	2006	2006	NUM
fsr-3293	281	19	)	)	PUNCT
fsr-3293	281	20	.	.	PUNCT
fsr-3293	282	1	the	the	DET
fsr-3293	282	2	effect	effect	NOUN
fsr-3293	282	3	of	of	ADP
fsr-3293	282	4	subjective	subjective	ADJ
fsr-3293	282	5	survival	survival	NOUN
fsr-3293	282	6	probabilities	probability	NOUN
fsr-3293	282	7	on	on	ADP
fsr-3293	282	8	retirement	retirement	NOUN
fsr-3293	282	9	and	and	CCONJ
fsr-3293	282	10	wealth	wealth	NOUN
fsr-3293	282	11	in	in	ADP
fsr-3293	282	12	the	the	DET
fsr-3293	282	13	united	united	PROPN
fsr-3293	282	14	states	states	PROPN
fsr-3293	282	15	(	(	PUNCT
fsr-3293	282	16	no	no	INTJ
fsr-3293	282	17	.	.	NOUN
fsr-3293	282	18	13688	13688	NUM
fsr-3293	282	19	)	)	PUNCT
fsr-3293	282	20	.	.	PUNCT
fsr-3293	283	1	cambridge	cambridge	PROPN
fsr-3293	283	2	,	,	PUNCT
fsr-3293	283	3	ma	ma	PROPN
fsr-3293	283	4	:	:	PUNCT
fsr-3293	283	5	national	national	PROPN
fsr-3293	283	6	bureau	bureau	PROPN
fsr-3293	283	7	of	of	ADP
fsr-3293	283	8	economic	economic	ADJ
fsr-3293	283	9	research	research	NOUN
fsr-3293	283	10	.	.	PUNCT
fsr-3293	284	1	deaton	deaton	PROPN
fsr-3293	284	2	,	,	PUNCT
fsr-3293	284	3	a.	a.	PROPN
fsr-3293	284	4	,	,	PUNCT
fsr-3293	284	5	&	&	CCONJ
fsr-3293	284	6	paxson	paxson	PROPN
fsr-3293	284	7	,	,	PUNCT
fsr-3293	284	8	c.	c.	PROPN
fsr-3293	284	9	(	(	PUNCT
fsr-3293	284	10	2000	2000	NUM
fsr-3293	284	11	)	)	PUNCT
fsr-3293	284	12	.	.	PUNCT
fsr-3293	285	1	growth	growth	NOUN
fsr-3293	285	2	,	,	PUNCT
fsr-3293	285	3	demographic	demographic	ADJ
fsr-3293	285	4	structure	structure	NOUN
fsr-3293	285	5	,	,	PUNCT
fsr-3293	285	6	and	and	CCONJ
fsr-3293	285	7	national	national	ADJ
fsr-3293	285	8	savings	saving	NOUN
fsr-3293	285	9	in	in	ADP
fsr-3293	285	10	taiwan	taiwan	PROPN
fsr-3293	285	11	.	.	PUNCT
fsr-3293	286	1	population	population	NOUN
fsr-3293	286	2	and	and	CCONJ
fsr-3293	286	3	development	development	PROPN
fsr-3293	286	4	review	review	PROPN
fsr-3293	286	5	,	,	PUNCT
fsr-3293	286	6	26	26	NUM
fsr-3293	286	7	,	,	PUNCT
fsr-3293	286	8	141–173	141–173	NUM
fsr-3293	286	9	.	.	PUNCT
fsr-3293	287	1	elder	elder	NOUN
fsr-3293	287	2	,	,	PUNCT
fsr-3293	287	3	t.	t.	PROPN
fsr-3293	287	4	e.	e.	PROPN
fsr-3293	287	5	(	(	PUNCT
fsr-3293	287	6	2007	2007	NUM
fsr-3293	287	7	)	)	PUNCT
fsr-3293	287	8	.	.	PUNCT
fsr-3293	288	1	subjective	subjective	ADJ
fsr-3293	288	2	survival	survival	NOUN
fsr-3293	288	3	probabilities	probability	NOUN
fsr-3293	288	4	in	in	ADP
fsr-3293	288	5	the	the	DET
fsr-3293	288	6	health	health	NOUN
fsr-3293	288	7	and	and	CCONJ
fsr-3293	288	8	retirement	retirement	NOUN
fsr-3293	288	9	study	study	NOUN
fsr-3293	288	10	:	:	PUNCT
fsr-3293	288	11	systematic	systematic	ADJ
fsr-3293	288	12	biases	bias	NOUN
fsr-3293	288	13	and	and	CCONJ
fsr-3293	288	14	predictive	predictive	ADJ
fsr-3293	288	15	validity	validity	NOUN
fsr-3293	288	16	.	.	PUNCT
fsr-3293	289	1	working	work	VERB
fsr-3293	289	2	paper	paper	NOUN
fsr-3293	289	3	2007–159	2007–159	NOUN
fsr-3293	289	4	,	,	PUNCT
fsr-3293	289	5	university	university	PROPN
fsr-3293	289	6	of	of	ADP
fsr-3293	289	7	michigan	michigan	PROPN
fsr-3293	289	8	,	,	PUNCT
fsr-3293	289	9	michigan	michigan	PROPN
fsr-3293	289	10	retirement	retirement	PROPN
fsr-3293	289	11	research	research	PROPN
fsr-3293	289	12	center	center	NOUN
fsr-3293	289	13	.	.	PUNCT
fsr-3293	290	1	gupta	gupta	PROPN
fsr-3293	290	2	,	,	PUNCT
fsr-3293	290	3	a.	a.	PROPN
fsr-3293	290	4	,	,	PUNCT
fsr-3293	290	5	&	&	CCONJ
fsr-3293	290	6	li	li	PROPN
fsr-3293	290	7	,	,	PUNCT
fsr-3293	290	8	z.	z.	PROPN
fsr-3293	290	9	(	(	PUNCT
fsr-3293	290	10	2013	2013	NUM
fsr-3293	290	11	)	)	PUNCT
fsr-3293	290	12	.	.	PUNCT
fsr-3293	291	1	optimal	optimal	ADJ
fsr-3293	291	2	annuity	annuity	NOUN
fsr-3293	291	3	purchase	purchase	NOUN
fsr-3293	291	4	decisions	decision	NOUN
fsr-3293	291	5	under	under	ADP
fsr-3293	291	6	uncertain	uncertain	ADJ
fsr-3293	291	7	lifetime	lifetime	NOUN
fsr-3293	291	8	.	.	PUNCT
fsr-3293	292	1	journal	journal	PROPN
fsr-3293	292	2	of	of	ADP
fsr-3293	292	3	family	family	NOUN
fsr-3293	292	4	economic	economic	ADJ
fsr-3293	292	5	issues	issue	NOUN
fsr-3293	292	6	,	,	PUNCT
fsr-3293	292	7	34	34	NUM
fsr-3293	292	8	,	,	PUNCT
fsr-3293	292	9	447–459	447–459	NUM
fsr-3293	292	10	.	.	PUNCT
fsr-3293	293	1	doi:10.1007	doi:10.1007	PROPN
fsr-3293	293	2	/	/	SYM
fsr-3293	293	3	s10834–012	s10834–012	PROPN
fsr-3293	293	4	-	-	PUNCT
fsr-3293	293	5	9340–1	9340–1	NUM
fsr-3293	293	6	hamermesh	hamermesh	NOUN
fsr-3293	293	7	,	,	PUNCT
fsr-3293	293	8	d.	d.	PROPN
fsr-3293	293	9	(	(	PUNCT
fsr-3293	293	10	1985	1985	NUM
fsr-3293	293	11	)	)	PUNCT
fsr-3293	293	12	.	.	PUNCT
fsr-3293	294	1	expectations	expectation	NOUN
fsr-3293	294	2	,	,	PUNCT
fsr-3293	294	3	life	life	NOUN
fsr-3293	294	4	expectancy	expectancy	NOUN
fsr-3293	294	5	,	,	PUNCT
fsr-3293	294	6	and	and	CCONJ
fsr-3293	294	7	economic	economic	ADJ
fsr-3293	294	8	behavior	behavior	NOUN
fsr-3293	294	9	.	.	PUNCT
fsr-3293	295	1	quarterly	quarterly	ADJ
fsr-3293	295	2	journal	journal	NOUN
fsr-3293	295	3	of	of	ADP
fsr-3293	295	4	economics	economic	NOUN
fsr-3293	295	5	,	,	PUNCT
fsr-3293	295	6	100	100	NUM
fsr-3293	295	7	,	,	PUNCT
fsr-3293	295	8	389–408	389–408	NUM
fsr-3293	295	9	.	.	PUNCT
fsr-3293	296	1	hurd	hurd	PROPN
fsr-3293	296	2	,	,	PUNCT
fsr-3293	296	3	m.	m.	PROPN
fsr-3293	296	4	d.	d.	PROPN
fsr-3293	296	5	,	,	PUNCT
fsr-3293	296	6	&	&	CCONJ
fsr-3293	296	7	mcgarry	mcgarry	PROPN
fsr-3293	296	8	,	,	PUNCT
fsr-3293	296	9	k.	k.	PROPN
fsr-3293	296	10	(	(	PUNCT
fsr-3293	296	11	2002	2002	NUM
fsr-3293	296	12	)	)	PUNCT
fsr-3293	296	13	.	.	PUNCT
fsr-3293	297	1	the	the	DET
fsr-3293	297	2	predictive	predictive	ADJ
fsr-3293	297	3	validity	validity	NOUN
fsr-3293	297	4	of	of	ADP
fsr-3293	297	5	subjective	subjective	ADJ
fsr-3293	297	6	probabilities	probability	NOUN
fsr-3293	297	7	of	of	ADP
fsr-3293	297	8	survival	survival	NOUN
fsr-3293	297	9	.	.	PUNCT
fsr-3293	298	1	economic	economic	ADJ
fsr-3293	298	2	journal	journal	NOUN
fsr-3293	298	3	,	,	PUNCT
fsr-3293	298	4	112	112	NUM
fsr-3293	298	5	,	,	PUNCT
fsr-3293	298	6	966–985	966–985	NUM
fsr-3293	298	7	.	.	PUNCT
fsr-3293	299	1	kim	kim	PROPN
fsr-3293	299	2	,	,	PUNCT
fsr-3293	299	3	k.	k.	PROPN
fsr-3293	299	4	t.	t.	PROPN
fsr-3293	299	5	,	,	PUNCT
fsr-3293	299	6	&	&	CCONJ
fsr-3293	299	7	hanna	hanna	PROPN
fsr-3293	299	8	,	,	PUNCT
fsr-3293	299	9	s.	s.	PROPN
fsr-3293	299	10	d.	d.	PROPN
fsr-3293	299	11	(	(	PUNCT
fsr-3293	299	12	2015	2015	NUM
fsr-3293	299	13	)	)	PUNCT
fsr-3293	299	14	.	.	PUNCT
fsr-3293	300	1	does	do	AUX
fsr-3293	300	2	financial	financial	ADJ
fsr-3293	300	3	sophistication	sophistication	NOUN
fsr-3293	300	4	matter	matter	NOUN
fsr-3293	300	5	in	in	ADP
fsr-3293	300	6	retirement	retirement	NOUN
fsr-3293	300	7	preparedness	preparedness	NOUN
fsr-3293	300	8	?	?	PUNCT
fsr-3293	301	1	journal	journal	NOUN
fsr-3293	301	2	of	of	ADP
fsr-3293	301	3	personal	personal	ADJ
fsr-3293	301	4	finance	finance	NOUN
fsr-3293	301	5	,	,	PUNCT
fsr-3293	301	6	14	14	NUM
fsr-3293	301	7	,	,	PUNCT
fsr-3293	301	8	9–20	9–20	NOUN
fsr-3293	301	9	.	.	PUNCT
fsr-3293	302	1	kim	kim	PROPN
fsr-3293	302	2	,	,	PUNCT
fsr-3293	302	3	k.	k.	PROPN
fsr-3293	302	4	t.	t.	PROPN
fsr-3293	302	5	,	,	PUNCT
fsr-3293	302	6	&	&	CCONJ
fsr-3293	302	7	hanna	hanna	PROPN
fsr-3293	302	8	,	,	PUNCT
fsr-3293	302	9	s.	s.	PROPN
fsr-3293	302	10	d.	d.	PROPN
fsr-3293	302	11	(	(	PUNCT
fsr-3293	302	12	2015	2015	NUM
fsr-3293	302	13	)	)	PUNCT
fsr-3293	302	14	.	.	PUNCT
fsr-3293	303	1	do	do	AUX
fsr-3293	303	2	u.s	u.s	PROPN
fsr-3293	303	3	.	.	PROPN
fsr-3293	303	4	households	household	NOUN
fsr-3293	303	5	perceive	perceive	VERB
fsr-3293	303	6	their	their	PRON
fsr-3293	303	7	retirement	retirement	NOUN
fsr-3293	303	8	preparedness	preparedness	NOUN
fsr-3293	303	9	realistically	realistically	ADV
fsr-3293	303	10	?	?	PUNCT
fsr-3293	304	1	financial	financial	ADJ
fsr-3293	304	2	services	service	NOUN
fsr-3293	304	3	review	review	NOUN
fsr-3293	304	4	,	,	PUNCT
fsr-3293	304	5	24	24	NUM
fsr-3293	304	6	,	,	PUNCT
fsr-3293	304	7	139–155	139–155	NUM
fsr-3293	304	8	.	.	PUNCT
fsr-3293	305	1	kim	kim	PROPN
fsr-3293	305	2	,	,	PUNCT
fsr-3293	305	3	k.	k.	PROPN
fsr-3293	305	4	t.	t.	PROPN
fsr-3293	305	5	,	,	PUNCT
fsr-3293	305	6	hanna	hanna	PROPN
fsr-3293	305	7	,	,	PUNCT
fsr-3293	305	8	s.	s.	PROPN
fsr-3293	305	9	d.	d.	PROPN
fsr-3293	305	10	,	,	PUNCT
fsr-3293	305	11	&	&	CCONJ
fsr-3293	305	12	chen	chen	PROPN
fsr-3293	305	13	,	,	PUNCT
fsr-3293	305	14	s	s	PROPN
fsr-3293	305	15	,	,	PUNCT
fsr-3293	305	16	c	c	NOUN
fsr-3293	305	17	-	-	PUNCT
fsr-3293	305	18	c.	c.	NOUN
fsr-3293	305	19	(	(	PUNCT
fsr-3293	305	20	2014	2014	NUM
fsr-3293	305	21	)	)	PUNCT
fsr-3293	305	22	.	.	PUNCT
fsr-3293	306	1	consideration	consideration	NOUN
fsr-3293	306	2	of	of	ADP
fsr-3293	306	3	retirement	retirement	NOUN
fsr-3293	306	4	income	income	NOUN
fsr-3293	306	5	stages	stage	NOUN
fsr-3293	306	6	in	in	ADP
fsr-3293	306	7	planning	plan	VERB
fsr-3293	306	8	for	for	ADP
fsr-3293	306	9	retirement	retirement	NOUN
fsr-3293	306	10	.	.	PUNCT
fsr-3293	307	1	journal	journal	PROPN
fsr-3293	307	2	of	of	ADP
fsr-3293	307	3	personal	personal	ADJ
fsr-3293	307	4	finance	finance	NOUN
fsr-3293	307	5	,	,	PUNCT
fsr-3293	307	6	13	13	NUM
fsr-3293	307	7	,	,	PUNCT
fsr-3293	307	8	52–64	52–64	NUM
fsr-3293	307	9	.	.	PUNCT
fsr-3293	308	1	lindamood	lindamood	PROPN
fsr-3293	308	2	,	,	PUNCT
fsr-3293	308	3	s.	s.	PROPN
fsr-3293	308	4	,	,	PUNCT
fsr-3293	308	5	hanna	hanna	PROPN
fsr-3293	308	6	,	,	PUNCT
fsr-3293	308	7	s.	s.	PROPN
fsr-3293	308	8	d.	d.	PROPN
fsr-3293	308	9	,	,	PUNCT
fsr-3293	308	10	&	&	CCONJ
fsr-3293	308	11	bi	bi	PROPN
fsr-3293	308	12	,	,	PUNCT
fsr-3293	308	13	l.	l.	PROPN
fsr-3293	308	14	(	(	PUNCT
fsr-3293	308	15	2007	2007	NUM
fsr-3293	308	16	)	)	PUNCT
fsr-3293	308	17	.	.	PUNCT
fsr-3293	309	1	using	use	VERB
fsr-3293	309	2	the	the	DET
fsr-3293	309	3	survey	survey	NOUN
fsr-3293	309	4	of	of	ADP
fsr-3293	309	5	consumer	consumer	NOUN
fsr-3293	309	6	finances	finance	NOUN
fsr-3293	309	7	:	:	PUNCT
fsr-3293	309	8	some	some	DET
fsr-3293	309	9	methodological	methodological	ADJ
fsr-3293	309	10	considerations	consideration	NOUN
fsr-3293	309	11	and	and	CCONJ
fsr-3293	309	12	issues	issue	NOUN
fsr-3293	309	13	.	.	PUNCT
fsr-3293	310	1	journal	journal	NOUN
fsr-3293	310	2	of	of	ADP
fsr-3293	310	3	consumer	consumer	NOUN
fsr-3293	310	4	affairs	affair	NOUN
fsr-3293	310	5	,	,	PUNCT
fsr-3293	310	6	41	41	NUM
fsr-3293	310	7	,	,	PUNCT
fsr-3293	310	8	195–222	195–222	NUM
fsr-3293	310	9	.	.	PUNCT
fsr-3293	311	1	17d.r	17d.r	NUM
fsr-3293	311	2	.	.	PUNCT
fsr-3293	312	1	lawson	lawson	PROPN
fsr-3293	312	2	,	,	PUNCT
fsr-3293	312	3	s.j	s.j	PROPN
fsr-3293	312	4	.	.	PROPN
fsr-3293	312	5	heckman	heckman	PROPN
fsr-3293	312	6	/	/	SYM
fsr-3293	312	7	financial	financial	PROPN
fsr-3293	312	8	services	service	NOUN
fsr-3293	312	9	review	review	VERB
fsr-3293	312	10	26	26	NUM
fsr-3293	312	11	(	(	PUNCT
fsr-3293	312	12	2017	2017	NUM
fsr-3293	312	13	)	)	PUNCT
fsr-3293	312	14	1–18	1–18	NUM
fsr-3293	312	15	modigliani	modigliani	NOUN
fsr-3293	312	16	,	,	PUNCT
fsr-3293	312	17	f.	f.	PROPN
fsr-3293	312	18	,	,	PUNCT
fsr-3293	312	19	&	&	CCONJ
fsr-3293	312	20	brumberg	brumberg	PROPN
fsr-3293	312	21	,	,	PUNCT
fsr-3293	312	22	r.	r.	PROPN
fsr-3293	312	23	(	(	PUNCT
fsr-3293	312	24	1954	1954	NUM
fsr-3293	312	25	)	)	PUNCT
fsr-3293	312	26	.	.	PUNCT
fsr-3293	313	1	utility	utility	NOUN
fsr-3293	313	2	analysis	analysis	NOUN
fsr-3293	313	3	and	and	CCONJ
fsr-3293	313	4	the	the	DET
fsr-3293	313	5	consumption	consumption	NOUN
fsr-3293	313	6	function	function	NOUN
fsr-3293	313	7	:	:	PUNCT
fsr-3293	313	8	an	an	DET
fsr-3293	313	9	interpretation	interpretation	NOUN
fsr-3293	313	10	of	of	ADP
fsr-3293	313	11	cross	cross	ADJ
fsr-3293	313	12	-	-	ADJ
fsr-3293	313	13	section	section	ADJ
fsr-3293	313	14	data	datum	NOUN
fsr-3293	313	15	.	.	PUNCT
fsr-3293	314	1	the	the	DET
fsr-3293	314	2	collected	collect	VERB
fsr-3293	314	3	papers	paper	NOUN
fsr-3293	314	4	of	of	ADP
fsr-3293	314	5	franco	franco	PROPN
fsr-3293	314	6	modigliani	modigliani	PROPN
fsr-3293	314	7	(	(	PUNCT
fsr-3293	314	8	vol	vol	NOUN
fsr-3293	314	9	.	.	PROPN
fsr-3293	314	10	6	6	NUM
fsr-3293	314	11	,	,	PUNCT
fsr-3293	314	12	pp	pp	ADJ
fsr-3293	314	13	.	.	PUNCT
fsr-3293	314	14	3–45	3–45	PROPN
fsr-3293	314	15	)	)	PUNCT
fsr-3293	314	16	.	.	PUNCT
fsr-3293	315	1	cambridge	cambridge	PROPN
fsr-3293	315	2	,	,	PUNCT
fsr-3293	315	3	ma	ma	PROPN
fsr-3293	315	4	:	:	PUNCT
fsr-3293	315	5	the	the	DET
fsr-3293	315	6	mit	mit	PROPN
fsr-3293	315	7	press	press	NOUN
fsr-3293	315	8	.	.	PUNCT
fsr-3293	315	9	montalto	montalto	PROPN
fsr-3293	315	10	,	,	PUNCT
fsr-3293	315	11	c.	c.	PROPN
fsr-3293	315	12	p.	p.	PROPN
fsr-3293	315	13	,	,	PUNCT
fsr-3293	315	14	yuh	yuh	PROPN
fsr-3293	315	15	,	,	PUNCT
fsr-3293	315	16	y.	y.	PROPN
fsr-3293	315	17	,	,	PUNCT
fsr-3293	315	18	&	&	CCONJ
fsr-3293	315	19	hanna	hanna	PROPN
fsr-3293	315	20	,	,	PUNCT
fsr-3293	315	21	s.	s.	PROPN
fsr-3293	315	22	(	(	PUNCT
fsr-3293	315	23	2000	2000	NUM
fsr-3293	315	24	)	)	PUNCT
fsr-3293	315	25	.	.	PUNCT
fsr-3293	316	1	determinants	determinant	NOUN
fsr-3293	316	2	of	of	ADP
fsr-3293	316	3	planned	plan	VERB
fsr-3293	316	4	retirement	retirement	NOUN
fsr-3293	316	5	age	age	NOUN
fsr-3293	316	6	.	.	PUNCT
fsr-3293	317	1	financial	financial	ADJ
fsr-3293	317	2	services	service	NOUN
fsr-3293	317	3	review	review	NOUN
fsr-3293	317	4	,	,	PUNCT
fsr-3293	317	5	9	9	NUM
fsr-3293	317	6	,	,	PUNCT
fsr-3293	317	7	1–15	1–15	PROPN
fsr-3293	317	8	.	.	PUNCT
fsr-3293	317	9	montalto	montalto	PROPN
fsr-3293	317	10	,	,	PUNCT
fsr-3293	317	11	c.	c.	PROPN
fsr-3293	317	12	p.	p.	PROPN
fsr-3293	317	13	,	,	PUNCT
fsr-3293	317	14	&	&	CCONJ
fsr-3293	317	15	sung	sung	PROPN
fsr-3293	317	16	,	,	PUNCT
fsr-3293	317	17	j.	j.	PROPN
fsr-3293	317	18	(	(	PUNCT
fsr-3293	317	19	1996	1996	NUM
fsr-3293	317	20	)	)	PUNCT
fsr-3293	317	21	.	.	PUNCT
fsr-3293	318	1	multiple	multiple	ADJ
fsr-3293	318	2	imputation	imputation	NOUN
fsr-3293	318	3	in	in	ADP
fsr-3293	318	4	the	the	DET
fsr-3293	318	5	1992	1992	NUM
fsr-3293	318	6	survey	survey	NOUN
fsr-3293	318	7	of	of	ADP
fsr-3293	318	8	consumer	consumer	NOUN
fsr-3293	318	9	finances	finance	NOUN
fsr-3293	318	10	.	.	PUNCT
fsr-3293	319	1	financial	financial	ADJ
fsr-3293	319	2	counseling	counseling	NOUN
fsr-3293	319	3	and	and	CCONJ
fsr-3293	319	4	planning	planning	NOUN
fsr-3293	319	5	,	,	PUNCT
fsr-3293	319	6	7	7	NUM
fsr-3293	319	7	,	,	PUNCT
fsr-3293	319	8	133–141	133–141	NUM
fsr-3293	319	9	.	.	PUNCT
fsr-3293	320	1	nielsen	nielsen	PROPN
fsr-3293	320	2	,	,	PUNCT
fsr-3293	320	3	r.	r.	PROPN
fsr-3293	320	4	b.	b.	PROPN
fsr-3293	320	5	(	(	PUNCT
fsr-3293	320	6	2015	2015	NUM
fsr-3293	320	7	)	)	PUNCT
fsr-3293	320	8	.	.	PUNCT
fsr-3293	321	1	scf	scf	PROPN
fsr-3293	321	2	complex	complex	ADJ
fsr-3293	321	3	sample	sample	NOUN
fsr-3293	321	4	specification	specification	NOUN
fsr-3293	321	5	for	for	ADP
fsr-3293	321	6	stata	stata	NOUN
fsr-3293	321	7	.	.	PUNCT
fsr-3293	322	1	technical	technical	ADJ
fsr-3293	322	2	note	note	NOUN
fsr-3293	322	3	.	.	PUNCT
fsr-3293	323	1	department	department	NOUN
fsr-3293	323	2	of	of	ADP
fsr-3293	323	3	financial	financial	ADJ
fsr-3293	323	4	planning	planning	NOUN
fsr-3293	323	5	housing	housing	NOUN
fsr-3293	323	6	and	and	CCONJ
fsr-3293	323	7	consumer	consumer	NOUN
fsr-3293	323	8	economics	economic	NOUN
fsr-3293	323	9	,	,	PUNCT
fsr-3293	323	10	university	university	NOUN
fsr-3293	323	11	of	of	ADP
fsr-3293	323	12	georgia	georgia	PROPN
fsr-3293	323	13	,	,	PUNCT
fsr-3293	323	14	athens	athens	PROPN
fsr-3293	323	15	,	,	PUNCT
fsr-3293	323	16	ga	ga	PROPN
fsr-3293	323	17	.	.	PROPN
fsr-3293	323	18	nielsen	nielsen	PROPN
fsr-3293	323	19	,	,	PUNCT
fsr-3293	323	20	r.	r.	PROPN
fsr-3293	323	21	b.	b.	PROPN
fsr-3293	323	22	,	,	PUNCT
fsr-3293	323	23	&	&	CCONJ
fsr-3293	323	24	seay	seay	PROPN
fsr-3293	323	25	,	,	PUNCT
fsr-3293	323	26	m.	m.	NOUN
fsr-3293	323	27	c.	c.	PROPN
fsr-3293	323	28	(	(	PUNCT
fsr-3293	323	29	2014	2014	NUM
fsr-3293	323	30	)	)	PUNCT
fsr-3293	323	31	.	.	PUNCT
fsr-3293	324	1	complex	complex	ADJ
fsr-3293	324	2	samples	sample	NOUN
fsr-3293	324	3	and	and	CCONJ
fsr-3293	324	4	regression	regression	NOUN
fsr-3293	324	5	-	-	PUNCT
fsr-3293	324	6	based	base	VERB
fsr-3293	324	7	inference	inference	NOUN
fsr-3293	324	8	:	:	PUNCT
fsr-3293	324	9	considerations	consideration	NOUN
fsr-3293	324	10	for	for	ADP
fsr-3293	324	11	consumer	consumer	NOUN
fsr-3293	324	12	researchers	researcher	NOUN
fsr-3293	324	13	.	.	PUNCT
fsr-3293	325	1	the	the	DET
fsr-3293	325	2	journal	journal	NOUN
fsr-3293	325	3	of	of	ADP
fsr-3293	325	4	consumer	consumer	NOUN
fsr-3293	325	5	affairs	affair	NOUN
fsr-3293	325	6	,	,	PUNCT
fsr-3293	325	7	48	48	NUM
fsr-3293	325	8	,	,	PUNCT
fsr-3293	325	9	603–619	603–619	NUM
fsr-3293	325	10	.	.	PUNCT
fsr-3293	326	1	doi:10.1111	doi:10.1111	PROPN
fsr-3293	326	2	/	/	SYM
fsr-3293	326	3	joca.12038	joca.12038	PROPN
fsr-3293	326	4	.	.	PROPN
fsr-3293	326	5	shefrin	shefrin	NOUN
fsr-3293	326	6	,	,	PUNCT
fsr-3293	326	7	h.	h.	PROPN
fsr-3293	326	8	m.	m.	PROPN
fsr-3293	326	9	,	,	PUNCT
fsr-3293	326	10	&	&	CCONJ
fsr-3293	326	11	thaler	thaler	PROPN
fsr-3293	326	12	,	,	PUNCT
fsr-3293	326	13	r.	r.	PROPN
fsr-3293	326	14	h.	h.	PROPN
fsr-3293	326	15	(	(	PUNCT
fsr-3293	326	16	1988	1988	NUM
fsr-3293	326	17	)	)	PUNCT
fsr-3293	326	18	.	.	PUNCT
fsr-3293	327	1	the	the	DET
fsr-3293	327	2	behavioral	behavioral	ADJ
fsr-3293	327	3	life	life	NOUN
fsr-3293	327	4	-	-	PUNCT
fsr-3293	327	5	cycle	cycle	NOUN
fsr-3293	327	6	hypothesis	hypothesis	NOUN
fsr-3293	327	7	.	.	PUNCT
fsr-3293	328	1	economic	economic	ADJ
fsr-3293	328	2	inquiry	inquiry	NOUN
fsr-3293	328	3	,	,	PUNCT
fsr-3293	328	4	26	26	NUM
fsr-3293	328	5	,	,	PUNCT
fsr-3293	328	6	609–643	609–643	NUM
fsr-3293	328	7	.	.	PUNCT
fsr-3293	329	1	shin	shin	PROPN
fsr-3293	329	2	,	,	PUNCT
fsr-3293	329	3	s.	s.	PROPN
fsr-3293	329	4	h.	h.	PROPN
fsr-3293	329	5	,	,	PUNCT
fsr-3293	329	6	&	&	CCONJ
fsr-3293	329	7	hanna	hanna	PROPN
fsr-3293	329	8	,	,	PUNCT
fsr-3293	329	9	s.	s.	PROPN
fsr-3293	329	10	d.	d.	PROPN
fsr-3293	329	11	(	(	PUNCT
fsr-3293	329	12	2016	2016	NUM
fsr-3293	329	13	)	)	PUNCT
fsr-3293	329	14	.	.	PUNCT
fsr-3293	330	1	accounting	account	VERB
fsr-3293	330	2	for	for	ADP
fsr-3293	330	3	complex	complex	ADJ
fsr-3293	330	4	sample	sample	NOUN
fsr-3293	330	5	designs	design	NOUN
fsr-3293	330	6	in	in	ADP
fsr-3293	330	7	analysis	analysis	NOUN
fsr-3293	330	8	of	of	ADP
fsr-3293	330	9	the	the	DET
fsr-3293	330	10	survey	survey	NOUN
fsr-3293	330	11	of	of	ADP
fsr-3293	330	12	consumer	consumer	NOUN
fsr-3293	330	13	finances	finance	NOUN
fsr-3293	330	14	.	.	PUNCT
fsr-3293	331	1	the	the	DET
fsr-3293	331	2	journal	journal	NOUN
fsr-3293	331	3	of	of	ADP
fsr-3293	331	4	consumer	consumer	NOUN
fsr-3293	331	5	affairs	affair	NOUN
fsr-3293	331	6	,	,	PUNCT
fsr-3293	331	7	1–15	1–15	NUM
fsr-3293	331	8	.	.	PUNCT
fsr-3293	332	1	doi:10.1111	doi:10.1111	PROPN
fsr-3293	332	2	/	/	SYM
fsr-3293	332	3	joca.12106	joca.12106	PROPN
fsr-3293	332	4	.	.	PUNCT
fsr-3293	333	1	spaenjers	spaenjer	NOUN
fsr-3293	333	2	,	,	PUNCT
fsr-3293	333	3	c.	c.	PROPN
fsr-3293	333	4	,	,	PUNCT
fsr-3293	333	5	&	&	CCONJ
fsr-3293	333	6	spira	spira	PROPN
fsr-3293	333	7	,	,	PUNCT
fsr-3293	333	8	s.	s.	PROPN
fsr-3293	333	9	m.	m.	PROPN
fsr-3293	333	10	(	(	PUNCT
fsr-3293	333	11	2015	2015	NUM
fsr-3293	333	12	)	)	PUNCT
fsr-3293	333	13	.	.	PUNCT
fsr-3293	334	1	subjective	subjective	ADJ
fsr-3293	334	2	life	life	NOUN
fsr-3293	334	3	horizon	horizon	NOUN
fsr-3293	334	4	and	and	CCONJ
fsr-3293	334	5	portfolio	portfolio	NOUN
fsr-3293	334	6	choice	choice	NOUN
fsr-3293	334	7	.	.	PUNCT
fsr-3293	335	1	journal	journal	NOUN
fsr-3293	335	2	of	of	ADP
fsr-3293	335	3	economic	economic	ADJ
fsr-3293	335	4	behavior	behavior	NOUN
fsr-3293	335	5	&	&	CCONJ
fsr-3293	335	6	organization	organization	PROPN
fsr-3293	335	7	,	,	PUNCT
fsr-3293	335	8	116	116	NUM
fsr-3293	335	9	,	,	PUNCT
fsr-3293	335	10	94–106	94–106	NUM
fsr-3293	335	11	.	.	PUNCT
fsr-3293	335	12	statista	statista	PROPN
fsr-3293	335	13	(	(	PUNCT
fsr-3293	335	14	2016	2016	NUM
fsr-3293	335	15	)	)	PUNCT
fsr-3293	335	16	.	.	PUNCT
fsr-3293	336	1	media	media	NOUN
fsr-3293	336	2	advertising	advertising	NOUN
fsr-3293	336	3	spending	spending	NOUN
fsr-3293	336	4	in	in	ADP
fsr-3293	336	5	the	the	DET
fsr-3293	336	6	united	united	PROPN
fsr-3293	336	7	states	states	PROPN
fsr-3293	336	8	from	from	ADP
fsr-3293	336	9	2011	2011	NUM
fsr-3293	336	10	to	to	ADP
fsr-3293	336	11	2018	2018	NUM
fsr-3293	336	12	(	(	PUNCT
fsr-3293	336	13	in	in	ADP
fsr-3293	336	14	billion	billion	NUM
fsr-3293	336	15	u.s	u.s	PROPN
fsr-3293	336	16	.	.	PROPN
fsr-3293	336	17	dollars	dollar	NOUN
fsr-3293	336	18	;	;	PUNCT
fsr-3293	336	19	available	available	ADJ
fsr-3293	336	20	at	at	ADP
fsr-3293	336	21	https://www.statista.com/statistics/272314/advertising-spending-in-the-us/	https://www.statista.com/statistics/272314/advertising-spending-in-the-us/	NOUN
fsr-3293	336	22	)	)	PUNCT
fsr-3293	336	23	.	.	PUNCT
fsr-3293	337	1	thaler	thaler	PROPN
fsr-3293	337	2	,	,	PUNCT
fsr-3293	337	3	r.	r.	PROPN
fsr-3293	337	4	h.	h.	PROPN
fsr-3293	337	5	&	&	CCONJ
fsr-3293	337	6	benartzi	benartzi	PROPN
fsr-3293	337	7	,	,	PUNCT
fsr-3293	337	8	s.	s.	PROPN
fsr-3293	337	9	(	(	PUNCT
fsr-3293	337	10	2004	2004	NUM
fsr-3293	337	11	)	)	PUNCT
fsr-3293	337	12	.	.	PUNCT
fsr-3293	338	1	save	save	VERB
fsr-3293	338	2	more	more	ADJ
fsr-3293	338	3	tomorrow	tomorrow	NOUN
fsr-3293	338	4	:	:	PUNCT
fsr-3293	338	5	using	use	VERB
fsr-3293	338	6	behavioral	behavioral	ADJ
fsr-3293	338	7	economics	economic	NOUN
fsr-3293	338	8	to	to	PART
fsr-3293	338	9	increase	increase	VERB
fsr-3293	338	10	employee	employee	NOUN
fsr-3293	338	11	saving	saving	NOUN
fsr-3293	338	12	.	.	PUNCT
fsr-3293	339	1	journal	journal	PROPN
fsr-3293	339	2	of	of	ADP
fsr-3293	339	3	political	political	ADJ
fsr-3293	339	4	economy	economy	NOUN
fsr-3293	339	5	,	,	PUNCT
fsr-3293	339	6	112	112	NUM
fsr-3293	339	7	,	,	PUNCT
fsr-3293	339	8	s164	s164	PROPN
fsr-3293	339	9	–	–	PUNCT
fsr-3293	339	10	s187	s187	PROPN
fsr-3293	339	11	.	.	PUNCT
fsr-3293	340	1	tsai	tsai	PROPN
fsr-3293	340	2	,	,	PUNCT
fsr-3293	340	3	i	i	PROPN
fsr-3293	340	4	-	-	PUNCT
fsr-3293	340	5	j.	j.	PROPN
fsr-3293	340	6	,	,	PUNCT
fsr-3293	340	7	chu	chu	PROPN
fsr-3293	340	8	,	,	PUNCT
fsr-3293	340	9	c.	c.	PROPN
fsr-3293	340	10	y.	y.	PROPN
fsr-3293	340	11	c.	c.	PROPN
fsr-3293	340	12	,	,	PUNCT
fsr-3293	340	13	&	&	CCONJ
fsr-3293	340	14	chung	chung	PROPN
fsr-3293	340	15	,	,	PUNCT
fsr-3293	340	16	c	c	PROPN
fsr-3293	340	17	-	-	PUNCT
fsr-3293	340	18	f.	f.	PROPN
fsr-3293	340	19	(	(	PUNCT
fsr-3293	340	20	2000	2000	NUM
fsr-3293	340	21	)	)	PUNCT
fsr-3293	340	22	.	.	PUNCT
fsr-3293	341	1	demographic	demographic	ADJ
fsr-3293	341	2	transition	transition	NOUN
fsr-3293	341	3	and	and	CCONJ
fsr-3293	341	4	household	household	NOUN
fsr-3293	341	5	saving	save	VERB
fsr-3293	341	6	in	in	ADP
fsr-3293	341	7	taiwan	taiwan	PROPN
fsr-3293	341	8	.	.	PUNCT
fsr-3293	342	1	population	population	NOUN
fsr-3293	342	2	and	and	CCONJ
fsr-3293	342	3	development	development	PROPN
fsr-3293	342	4	review	review	PROPN
fsr-3293	342	5	,	,	PUNCT
fsr-3293	342	6	26	26	NUM
fsr-3293	342	7	,	,	PUNCT
fsr-3293	342	8	174–193	174–193	NUM
fsr-3293	342	9	.	.	PUNCT
fsr-3293	343	1	tversky	tversky	PROPN
fsr-3293	343	2	,	,	PUNCT
fsr-3293	343	3	a.	a.	PROPN
fsr-3293	343	4	,	,	PUNCT
fsr-3293	343	5	&	&	CCONJ
fsr-3293	343	6	kahneman	kahneman	PROPN
fsr-3293	343	7	,	,	PUNCT
fsr-3293	343	8	d.	d.	PROPN
fsr-3293	343	9	(	(	PUNCT
fsr-3293	343	10	1974	1974	NUM
fsr-3293	343	11	)	)	PUNCT
fsr-3293	343	12	.	.	PUNCT
fsr-3293	344	1	judgement	judgement	NOUN
fsr-3293	344	2	under	under	ADP
fsr-3293	344	3	uncertainty	uncertainty	NOUN
fsr-3293	344	4	:	:	PUNCT
fsr-3293	344	5	heuristics	heuristic	NOUN
fsr-3293	344	6	and	and	CCONJ
fsr-3293	344	7	biases	bias	NOUN
fsr-3293	344	8	.	.	PUNCT
fsr-3293	345	1	science	science	NOUN
fsr-3293	345	2	,	,	PUNCT
fsr-3293	345	3	185	185	NUM
fsr-3293	345	4	,	,	PUNCT
fsr-3293	345	5	1124–1131	1124–1131	NUM
fsr-3293	345	6	.	.	PUNCT
fsr-3293	346	1	yuh	yuh	PROPN
fsr-3293	346	2	,	,	PUNCT
fsr-3293	346	3	y.	y.	PROPN
fsr-3293	346	4	,	,	PUNCT
fsr-3293	346	5	&	&	CCONJ
fsr-3293	346	6	hanna	hanna	PROPN
fsr-3293	346	7	,	,	PUNCT
fsr-3293	346	8	s.	s.	PROPN
fsr-3293	346	9	d.	d.	PROPN
fsr-3293	346	10	(	(	PUNCT
fsr-3293	346	11	2010	2010	NUM
fsr-3293	346	12	)	)	PUNCT
fsr-3293	346	13	.	.	PUNCT
fsr-3293	347	1	which	which	DET
fsr-3293	347	2	households	household	NOUN
fsr-3293	347	3	think	think	VERB
fsr-3293	347	4	they	they	PRON
fsr-3293	347	5	save	save	VERB
fsr-3293	347	6	?	?	PUNCT
fsr-3293	348	1	the	the	DET
fsr-3293	348	2	journal	journal	NOUN
fsr-3293	348	3	of	of	ADP
fsr-3293	348	4	consumer	consumer	NOUN
fsr-3293	348	5	affairs	affair	NOUN
fsr-3293	348	6	,	,	PUNCT
fsr-3293	348	7	44	44	NUM
fsr-3293	348	8	,	,	PUNCT
fsr-3293	348	9	70–97	70–97	NUM
fsr-3293	348	10	.	.	PUNCT
fsr-3293	349	1	yuh	yuh	PROPN
fsr-3293	349	2	,	,	PUNCT
fsr-3293	349	3	y.	y.	PROPN
fsr-3293	349	4	,	,	PUNCT
fsr-3293	349	5	montalto	montalto	PROPN
fsr-3293	349	6	,	,	PUNCT
fsr-3293	349	7	c.	c.	PROPN
fsr-3293	349	8	p.	p.	PROPN
fsr-3293	349	9	,	,	PUNCT
fsr-3293	349	10	&	&	CCONJ
fsr-3293	349	11	hanna	hanna	PROPN
fsr-3293	349	12	,	,	PUNCT
fsr-3293	349	13	s.	s.	PROPN
fsr-3293	349	14	d.	d.	PROPN
fsr-3293	349	15	(	(	PUNCT
fsr-3293	349	16	1998	1998	NUM
fsr-3293	349	17	)	)	PUNCT
fsr-3293	349	18	.	.	PUNCT
fsr-3293	350	1	are	be	AUX
fsr-3293	350	2	americans	americans	PROPN
fsr-3293	350	3	prepared	prepare	VERB
fsr-3293	350	4	for	for	ADP
fsr-3293	350	5	retirement	retirement	NOUN
fsr-3293	350	6	?	?	PUNCT
fsr-3293	351	1	financial	financial	ADJ
fsr-3293	351	2	counseling	counseling	NOUN
fsr-3293	351	3	and	and	CCONJ
fsr-3293	351	4	planning	planning	NOUN
fsr-3293	351	5	,	,	PUNCT
fsr-3293	351	6	9	9	NUM
fsr-3293	351	7	,	,	PUNCT
fsr-3293	351	8	1–13	1–13	NOUN
fsr-3293	351	9	.	.	PUNCT
fsr-3293	352	1	18	18	NUM
fsr-3293	352	2	d.r	d.r	PROPN
fsr-3293	352	3	.	.	PROPN
fsr-3293	352	4	lawson	lawson	PROPN
fsr-3293	352	5	,	,	PUNCT
fsr-3293	352	6	s.j	s.j	PROPN
fsr-3293	352	7	.	.	PROPN
fsr-3293	352	8	heckman	heckman	PROPN
fsr-3293	352	9	/	/	SYM
fsr-3293	352	10	financial	financial	PROPN
fsr-3293	352	11	services	service	NOUN
fsr-3293	352	12	review	review	VERB
fsr-3293	352	13	26	26	NUM
fsr-3293	352	14	(	(	PUNCT
fsr-3293	352	15	2017	2017	NUM
fsr-3293	352	16	)	)	PUNCT
fsr-3293	352	17	1–18	1–18	NUM