id	sid	tid	token	lemma	pos
fsr-3379	1	1	age	age	NOUN
fsr-3379	1	2	when	when	SCONJ
fsr-3379	1	3	first	first	ADV
fsr-3379	1	4	employed	employ	VERB
fsr-3379	1	5	and	and	CCONJ
fsr-3379	1	6	retirement	retirement	NOUN
fsr-3379	1	7	wealth	wealth	NOUN
fsr-3379	1	8	of	of	ADP
fsr-3379	1	9	baby	baby	NOUN
fsr-3379	1	10	boomers	boomer	NOUN
fsr-3379	1	11	hyungsoo	hyungsoo	VERB
fsr-3379	1	12	kim	kim	PROPN
fsr-3379	1	13	,	,	PUNCT
fsr-3379	1	14	ph.d.a	ph.d.a	PROPN
fsr-3379	1	15	,	,	PUNCT
fsr-3379	1	16	serah	serah	PROPN
fsr-3379	1	17	shin	shin	PROPN
fsr-3379	1	18	,	,	PUNCT
fsr-3379	1	19	ph.d.a	ph.d.a	PROPN
fsr-3379	1	20	,	,	PUNCT
fsr-3379	1	21	*	*	PUNCT
fsr-3379	1	22	,	,	PUNCT
fsr-3379	1	23	qun	qun	PROPN
fsr-3379	1	24	zhanga	zhanga	PROPN
fsr-3379	1	25	,	,	PUNCT
fsr-3379	1	26	martie	martie	PROPN
fsr-3379	1	27	gillen	gillen	PROPN
fsr-3379	1	28	,	,	PUNCT
fsr-3379	1	29	ph.d	ph.d	PROPN
fsr-3379	1	30	.	.	PROPN
fsr-3379	1	31	,	,	PUNCT
fsr-3379	1	32	mbab	mbab	PROPN
fsr-3379	1	33	adepartment	adepartment	PROPN
fsr-3379	1	34	of	of	ADP
fsr-3379	1	35	family	family	NOUN
fsr-3379	1	36	sciences	sciences	PROPN
fsr-3379	1	37	,	,	PUNCT
fsr-3379	1	38	university	university	NOUN
fsr-3379	1	39	of	of	ADP
fsr-3379	1	40	kentucky	kentucky	PROPN
fsr-3379	1	41	,	,	PUNCT
fsr-3379	1	42	315	315	NUM
fsr-3379	1	43	funkhouser	funkhouser	NOUN
fsr-3379	1	44	building	building	NOUN
fsr-3379	1	45	,	,	PUNCT
fsr-3379	1	46	lexington	lexington	PROPN
fsr-3379	1	47	,	,	PUNCT
fsr-3379	1	48	ky	ky	PROPN
fsr-3379	1	49	40506	40506	PROPN
fsr-3379	1	50	-	-	SYM
fsr-3379	1	51	0054	0054	NUM
fsr-3379	1	52	,	,	PUNCT
fsr-3379	1	53	usa	usa	PROPN
fsr-3379	1	54	bdepartment	bdepartment	PROPN
fsr-3379	1	55	of	of	ADP
fsr-3379	1	56	family	family	NOUN
fsr-3379	1	57	,	,	PUNCT
fsr-3379	1	58	youth	youth	NOUN
fsr-3379	1	59	and	and	CCONJ
fsr-3379	1	60	community	community	NOUN
fsr-3379	1	61	sciences	science	NOUN
fsr-3379	1	62	,	,	PUNCT
fsr-3379	1	63	university	university	PROPN
fsr-3379	1	64	of	of	ADP
fsr-3379	1	65	florida	florida	PROPN
fsr-3379	1	66	,	,	PUNCT
fsr-3379	1	67	po	po	PROPN
fsr-3379	1	68	box	box	PROPN
fsr-3379	1	69	110310	110310	NUM
fsr-3379	1	70	,	,	PUNCT
fsr-3379	1	71	gainesville	gainesville	PROPN
fsr-3379	1	72	,	,	PUNCT
fsr-3379	1	73	fl	fl	PROPN
fsr-3379	1	74	32611	32611	NUM
fsr-3379	1	75	-	-	SYM
fsr-3379	1	76	0310	0310	NUM
fsr-3379	1	77	,	,	PUNCT
fsr-3379	1	78	usa	usa	PROPN
fsr-3379	1	79	abstract	abstract	PROPN
fsr-3379	1	80	this	this	DET
fsr-3379	1	81	study	study	NOUN
fsr-3379	1	82	examines	examine	VERB
fsr-3379	1	83	how	how	SCONJ
fsr-3379	1	84	age	age	NOUN
fsr-3379	1	85	when	when	SCONJ
fsr-3379	1	86	first	first	ADV
fsr-3379	1	87	employed	employ	VERB
fsr-3379	1	88	is	be	AUX
fsr-3379	1	89	related	relate	VERB
fsr-3379	1	90	to	to	ADP
fsr-3379	1	91	retirement	retirement	NOUN
fsr-3379	1	92	savings	saving	NOUN
fsr-3379	1	93	in	in	ADP
fsr-3379	1	94	later	later	ADJ
fsr-3379	1	95	years	year	NOUN
fsr-3379	1	96	.	.	PUNCT
fsr-3379	2	1	using	use	VERB
fsr-3379	2	2	data	datum	NOUN
fsr-3379	2	3	from	from	ADP
fsr-3379	2	4	the	the	DET
fsr-3379	2	5	health	health	NOUN
fsr-3379	2	6	and	and	CCONJ
fsr-3379	2	7	retirement	retirement	NOUN
fsr-3379	2	8	study	study	NOUN
fsr-3379	2	9	,	,	PUNCT
fsr-3379	2	10	we	we	PRON
fsr-3379	2	11	investigate	investigate	VERB
fsr-3379	2	12	two	two	NUM
fsr-3379	2	13	specific	specific	ADJ
fsr-3379	2	14	questions	question	NOUN
fsr-3379	2	15	:	:	PUNCT
fsr-3379	2	16	has	have	AUX
fsr-3379	2	17	age	age	NOUN
fsr-3379	2	18	when	when	SCONJ
fsr-3379	2	19	first	first	ADV
fsr-3379	2	20	employed	employ	VERB
fsr-3379	2	21	affected	affect	VERB
fsr-3379	2	22	the	the	DET
fsr-3379	2	23	retirement	retirement	NOUN
fsr-3379	2	24	wealth	wealth	NOUN
fsr-3379	2	25	of	of	ADP
fsr-3379	2	26	baby	baby	NOUN
fsr-3379	2	27	boomers	boomer	NOUN
fsr-3379	2	28	?	?	PUNCT
fsr-3379	3	1	if	if	SCONJ
fsr-3379	3	2	so	so	ADV
fsr-3379	3	3	,	,	PUNCT
fsr-3379	3	4	to	to	ADP
fsr-3379	3	5	what	what	DET
fsr-3379	3	6	extent	extent	NOUN
fsr-3379	3	7	?	?	PUNCT
fsr-3379	4	1	the	the	DET
fsr-3379	4	2	results	result	NOUN
fsr-3379	4	3	show	show	VERB
fsr-3379	4	4	that	that	SCONJ
fsr-3379	4	5	age	age	NOUN
fsr-3379	4	6	when	when	SCONJ
fsr-3379	4	7	first	first	ADV
fsr-3379	4	8	employed	employ	VERB
fsr-3379	4	9	is	be	AUX
fsr-3379	4	10	negatively	negatively	ADV
fsr-3379	4	11	associated	associate	VERB
fsr-3379	4	12	with	with	ADP
fsr-3379	4	13	accumulated	accumulate	VERB
fsr-3379	4	14	retirement	retirement	NOUN
fsr-3379	4	15	wealth	wealth	NOUN
fsr-3379	4	16	in	in	ADP
fsr-3379	4	17	later	later	ADJ
fsr-3379	4	18	years	year	NOUN
fsr-3379	4	19	.	.	PUNCT
fsr-3379	5	1	for	for	ADP
fsr-3379	5	2	college	college	NOUN
fsr-3379	5	3	graduates	graduate	NOUN
fsr-3379	5	4	(	(	PUNCT
fsr-3379	5	5	high	high	ADJ
fsr-3379	5	6	school	school	NOUN
fsr-3379	5	7	graduates	graduate	NOUN
fsr-3379	5	8	)	)	PUNCT
fsr-3379	5	9	,	,	PUNCT
fsr-3379	5	10	delaying	delay	VERB
fsr-3379	5	11	the	the	DET
fsr-3379	5	12	start	start	NOUN
fsr-3379	5	13	of	of	ADP
fsr-3379	5	14	employment	employment	NOUN
fsr-3379	5	15	cost	cost	VERB
fsr-3379	5	16	$	$	SYM
fsr-3379	5	17	35,103	35,103	NUM
fsr-3379	5	18	(	(	PUNCT
fsr-3379	5	19	$	$	SYM
fsr-3379	5	20	7,534	7,534	NUM
fsr-3379	5	21	)	)	PUNCT
fsr-3379	5	22	per	per	ADP
fsr-3379	5	23	year	year	NOUN
fsr-3379	5	24	in	in	ADP
fsr-3379	5	25	retirement	retirement	NOUN
fsr-3379	5	26	savings	saving	NOUN
fsr-3379	5	27	after	after	ADP
fsr-3379	5	28	controlling	control	VERB
fsr-3379	5	29	for	for	ADP
fsr-3379	5	30	demographic	demographic	ADJ
fsr-3379	5	31	characteristics	characteristic	NOUN
fsr-3379	5	32	,	,	PUNCT
fsr-3379	5	33	number	number	NOUN
fsr-3379	5	34	of	of	ADP
fsr-3379	5	35	working	working	ADJ
fsr-3379	5	36	years	year	NOUN
fsr-3379	5	37	,	,	PUNCT
fsr-3379	5	38	and	and	CCONJ
fsr-3379	5	39	occupation	occupation	NOUN
fsr-3379	5	40	types	type	NOUN
fsr-3379	5	41	.	.	PUNCT
fsr-3379	6	1	©	©	PROPN
fsr-3379	6	2	2018	2018	NUM
fsr-3379	6	3	academy	academy	NOUN
fsr-3379	6	4	of	of	ADP
fsr-3379	6	5	financial	financial	ADJ
fsr-3379	6	6	services	service	NOUN
fsr-3379	6	7	.	.	PUNCT
fsr-3379	7	1	all	all	DET
fsr-3379	7	2	rights	right	NOUN
fsr-3379	7	3	reserved	reserve	VERB
fsr-3379	7	4	.	.	PUNCT
fsr-3379	8	1	jel	jel	PROPN
fsr-3379	8	2	classification	classification	NOUN
fsr-3379	8	3	:	:	PUNCT
fsr-3379	8	4	d14	d14	ADV
fsr-3379	8	5	;	;	PUNCT
fsr-3379	8	6	d3	d3	PROPN
fsr-3379	8	7	;	;	PUNCT
fsr-3379	8	8	j21	j21	PROPN
fsr-3379	8	9	keywords	keyword	NOUN
fsr-3379	8	10	:	:	PUNCT
fsr-3379	8	11	retirement	retirement	NOUN
fsr-3379	8	12	savings	saving	NOUN
fsr-3379	8	13	;	;	PUNCT
fsr-3379	8	14	timing	timing	NOUN
fsr-3379	8	15	of	of	ADP
fsr-3379	8	16	employment	employment	NOUN
fsr-3379	8	17	;	;	PUNCT
fsr-3379	8	18	baby	baby	NOUN
fsr-3379	8	19	boomers	boomer	NOUN
fsr-3379	8	20	;	;	PUNCT
fsr-3379	8	21	young	young	ADJ
fsr-3379	8	22	adults	adult	NOUN
fsr-3379	8	23	1	1	NUM
fsr-3379	8	24	.	.	PUNCT
fsr-3379	9	1	introduction	introduction	NOUN
fsr-3379	9	2	the	the	DET
fsr-3379	9	3	importance	importance	NOUN
fsr-3379	9	4	of	of	ADP
fsr-3379	9	5	starting	start	VERB
fsr-3379	9	6	early	early	ADV
fsr-3379	9	7	to	to	PART
fsr-3379	9	8	save	save	VERB
fsr-3379	9	9	for	for	ADP
fsr-3379	9	10	retirement	retirement	NOUN
fsr-3379	9	11	has	have	AUX
fsr-3379	9	12	been	be	AUX
fsr-3379	9	13	emphasized	emphasize	VERB
fsr-3379	9	14	in	in	ADP
fsr-3379	9	15	introductory	introductory	ADJ
fsr-3379	9	16	personal	personal	ADJ
fsr-3379	9	17	finance	finance	NOUN
fsr-3379	9	18	textbooks	textbook	NOUN
fsr-3379	9	19	and	and	CCONJ
fsr-3379	9	20	in	in	ADP
fsr-3379	9	21	everyday	everyday	ADJ
fsr-3379	9	22	life	life	NOUN
fsr-3379	9	23	(	(	PUNCT
fsr-3379	9	24	garman	garman	NOUN
fsr-3379	9	25	and	and	CCONJ
fsr-3379	9	26	forgue	forgue	NOUN
fsr-3379	9	27	,	,	PUNCT
fsr-3379	9	28	2015	2015	NUM
fsr-3379	9	29	;	;	PUNCT
fsr-3379	9	30	munnell	munnell	NOUN
fsr-3379	9	31	,	,	PUNCT
fsr-3379	9	32	webb	webb	NOUN
fsr-3379	9	33	,	,	PUNCT
fsr-3379	9	34	and	and	CCONJ
fsr-3379	9	35	hou	hou	NOUN
fsr-3379	9	36	,	,	PUNCT
fsr-3379	9	37	2014	2014	NUM
fsr-3379	9	38	)	)	PUNCT
fsr-3379	9	39	.	.	PUNCT
fsr-3379	10	1	the	the	DET
fsr-3379	10	2	three	three	NUM
fsr-3379	10	3	major	major	ADJ
fsr-3379	10	4	determinants	determinant	NOUN
fsr-3379	10	5	of	of	ADP
fsr-3379	10	6	savings	saving	NOUN
fsr-3379	10	7	outcome	outcome	NOUN
fsr-3379	10	8	at	at	ADP
fsr-3379	10	9	retirement	retirement	NOUN
fsr-3379	10	10	are	be	AUX
fsr-3379	10	11	*	*	PUNCT
fsr-3379	10	12	corresponding	correspond	VERB
fsr-3379	10	13	author	author	NOUN
fsr-3379	10	14	.	.	PUNCT
fsr-3379	11	1	tel	tel	PROPN
fsr-3379	11	2	.	.	PUNCT
fsr-3379	11	3	:	:	PUNCT
fsr-3379	11	4	�	�	PROPN
fsr-3379	11	5	1	1	NUM
fsr-3379	11	6	-	-	SYM
fsr-3379	11	7	859	859	NUM
fsr-3379	11	8	-	-	NUM
fsr-3379	11	9	539	539	NUM
fsr-3379	11	10	-	-	SYM
fsr-3379	11	11	7136	7136	NUM
fsr-3379	11	12	;	;	PUNCT
fsr-3379	11	13	fax	fax	NOUN
fsr-3379	11	14	:	:	PUNCT
fsr-3379	11	15	�	�	PROPN
fsr-3379	11	16	1	1	NUM
fsr-3379	11	17	-	-	SYM
fsr-3379	11	18	859	859	NUM
fsr-3379	11	19	-	-	PUNCT
fsr-3379	11	20	257	257	NUM
fsr-3379	11	21	-	-	PUNCT
fsr-3379	11	22	3212	3212	NUM
fsr-3379	11	23	.	.	PUNCT
fsr-3379	12	1	e	e	X
fsr-3379	12	2	-	-	NOUN
fsr-3379	12	3	mail	mail	NOUN
fsr-3379	12	4	address	address	NOUN
fsr-3379	12	5	:	:	PUNCT
fsr-3379	12	6	serah.shin3@gmail.com	serah.shin3@gmail.com	X
fsr-3379	12	7	(	(	PUNCT
fsr-3379	12	8	s.	s.	PROPN
fsr-3379	12	9	shin	shin	PROPN
fsr-3379	12	10	)	)	PUNCT
fsr-3379	12	11	financial	financial	ADJ
fsr-3379	12	12	services	service	NOUN
fsr-3379	12	13	review	review	VERB
fsr-3379	12	14	27	27	NUM
fsr-3379	12	15	(	(	PUNCT
fsr-3379	12	16	2018	2018	NUM
fsr-3379	12	17	)	)	PUNCT
fsr-3379	12	18	29	29	NUM
fsr-3379	12	19	-	-	SYM
fsr-3379	12	20	45	45	NUM
fsr-3379	12	21	1057	1057	NUM
fsr-3379	12	22	-	-	SYM
fsr-3379	12	23	0810/18/$	0810/18/$	NUM
fsr-3379	12	24	–	–	PUNCT
fsr-3379	12	25	see	see	VERB
fsr-3379	12	26	front	front	ADJ
fsr-3379	12	27	matter	matter	NOUN
fsr-3379	12	28	©	©	PROPN
fsr-3379	12	29	2018	2018	NUM
fsr-3379	12	30	academy	academy	NOUN
fsr-3379	12	31	of	of	ADP
fsr-3379	12	32	financial	financial	ADJ
fsr-3379	12	33	services	service	NOUN
fsr-3379	12	34	.	.	PUNCT
fsr-3379	13	1	all	all	DET
fsr-3379	13	2	rights	right	NOUN
fsr-3379	13	3	reserved	reserve	VERB
fsr-3379	13	4	.	.	PUNCT
fsr-3379	14	1	(	(	PUNCT
fsr-3379	14	2	1	1	X
fsr-3379	14	3	)	)	PUNCT
fsr-3379	14	4	amount	amount	NOUN
fsr-3379	14	5	of	of	ADP
fsr-3379	14	6	retirement	retirement	NOUN
fsr-3379	14	7	savings	saving	NOUN
fsr-3379	14	8	contributions	contribution	NOUN
fsr-3379	14	9	every	every	DET
fsr-3379	14	10	month	month	NOUN
fsr-3379	14	11	or	or	CCONJ
fsr-3379	14	12	year	year	NOUN
fsr-3379	14	13	(	(	PUNCT
fsr-3379	14	14	how	how	SCONJ
fsr-3379	14	15	much	much	ADJ
fsr-3379	14	16	)	)	PUNCT
fsr-3379	14	17	,	,	PUNCT
fsr-3379	14	18	(	(	PUNCT
fsr-3379	14	19	2	2	X
fsr-3379	14	20	)	)	PUNCT
fsr-3379	14	21	rate	rate	NOUN
fsr-3379	14	22	of	of	ADP
fsr-3379	14	23	return	return	NOUN
fsr-3379	14	24	from	from	ADP
fsr-3379	14	25	the	the	DET
fsr-3379	14	26	contributions	contribution	NOUN
fsr-3379	14	27	,	,	PUNCT
fsr-3379	14	28	and	and	CCONJ
fsr-3379	14	29	(	(	PUNCT
fsr-3379	14	30	3	3	X
fsr-3379	14	31	)	)	PUNCT
fsr-3379	14	32	number	number	NOUN
fsr-3379	14	33	of	of	ADP
fsr-3379	14	34	years	year	NOUN
fsr-3379	14	35	to	to	PART
fsr-3379	14	36	contribute	contribute	VERB
fsr-3379	14	37	(	(	PUNCT
fsr-3379	14	38	how	how	SCONJ
fsr-3379	14	39	long	long	ADJ
fsr-3379	14	40	)	)	PUNCT
fsr-3379	14	41	.	.	PUNCT
fsr-3379	15	1	individuals	individual	NOUN
fsr-3379	15	2	can	can	AUX
fsr-3379	15	3	increase	increase	VERB
fsr-3379	15	4	contribution	contribution	NOUN
fsr-3379	15	5	rates	rate	NOUN
fsr-3379	15	6	to	to	ADP
fsr-3379	15	7	their	their	PRON
fsr-3379	15	8	retirement	retirement	NOUN
fsr-3379	15	9	savings	saving	NOUN
fsr-3379	15	10	.	.	PUNCT
fsr-3379	16	1	however	however	ADV
fsr-3379	16	2	,	,	PUNCT
fsr-3379	16	3	this	this	PRON
fsr-3379	16	4	may	may	AUX
fsr-3379	16	5	not	not	PART
fsr-3379	16	6	be	be	AUX
fsr-3379	16	7	easy	easy	ADJ
fsr-3379	16	8	because	because	SCONJ
fsr-3379	16	9	of	of	ADP
fsr-3379	16	10	competing	compete	VERB
fsr-3379	16	11	needs	need	NOUN
fsr-3379	16	12	under	under	ADP
fsr-3379	16	13	limited	limited	ADJ
fsr-3379	16	14	income	income	NOUN
fsr-3379	16	15	.	.	PUNCT
fsr-3379	17	1	currently	currently	ADV
fsr-3379	17	2	,	,	PUNCT
fsr-3379	17	3	american	american	ADJ
fsr-3379	17	4	workers	worker	NOUN
fsr-3379	17	5	’	’	PART
fsr-3379	17	6	average	average	ADJ
fsr-3379	17	7	contribution	contribution	NOUN
fsr-3379	17	8	rate	rate	NOUN
fsr-3379	17	9	including	include	VERB
fsr-3379	17	10	matching	match	VERB
fsr-3379	17	11	contribution	contribution	NOUN
fsr-3379	17	12	from	from	ADP
fsr-3379	17	13	employers	employer	NOUN
fsr-3379	17	14	for	for	ADP
fsr-3379	17	15	retirement	retirement	NOUN
fsr-3379	17	16	savings	saving	NOUN
fsr-3379	17	17	is	be	AUX
fsr-3379	17	18	10.9	10.9	NUM
fsr-3379	17	19	%	%	NOUN
fsr-3379	17	20	of	of	ADP
fsr-3379	17	21	their	their	PRON
fsr-3379	17	22	income	income	NOUN
fsr-3379	17	23	(	(	PUNCT
fsr-3379	17	24	utkus	utkus	NOUN
fsr-3379	17	25	and	and	CCONJ
fsr-3379	17	26	young	young	ADJ
fsr-3379	17	27	,	,	PUNCT
fsr-3379	17	28	2017	2017	NUM
fsr-3379	17	29	)	)	PUNCT
fsr-3379	17	30	.	.	PUNCT
fsr-3379	18	1	this	this	DET
fsr-3379	18	2	rate	rate	NOUN
fsr-3379	18	3	is	be	AUX
fsr-3379	18	4	below	below	ADP
fsr-3379	18	5	the	the	DET
fsr-3379	18	6	recommended	recommend	VERB
fsr-3379	18	7	15	15	NUM
fsr-3379	18	8	%	%	NOUN
fsr-3379	18	9	to	to	PART
fsr-3379	18	10	maintain	maintain	VERB
fsr-3379	18	11	their	their	PRON
fsr-3379	18	12	living	living	NOUN
fsr-3379	18	13	standard	standard	NOUN
fsr-3379	18	14	before	before	ADP
fsr-3379	18	15	retirement	retirement	NOUN
fsr-3379	18	16	(	(	PUNCT
fsr-3379	18	17	garman	garman	NOUN
fsr-3379	18	18	and	and	CCONJ
fsr-3379	18	19	forgue	forgue	NOUN
fsr-3379	18	20	,	,	PUNCT
fsr-3379	18	21	2015	2015	NUM
fsr-3379	18	22	)	)	PUNCT
fsr-3379	18	23	.	.	PUNCT
fsr-3379	19	1	average	average	ADJ
fsr-3379	19	2	and	and	CCONJ
fsr-3379	19	3	median	median	ADJ
fsr-3379	19	4	retirement	retirement	NOUN
fsr-3379	19	5	account	account	NOUN
fsr-3379	19	6	balances	balance	NOUN
fsr-3379	19	7	are	be	AUX
fsr-3379	19	8	low	low	ADJ
fsr-3379	19	9	.	.	PUNCT
fsr-3379	20	1	according	accord	VERB
fsr-3379	20	2	to	to	ADP
fsr-3379	20	3	a	a	DET
fsr-3379	20	4	recent	recent	ADJ
fsr-3379	20	5	survey	survey	NOUN
fsr-3379	20	6	,	,	PUNCT
fsr-3379	20	7	in	in	ADP
fsr-3379	20	8	2016	2016	NUM
fsr-3379	20	9	,	,	PUNCT
fsr-3379	20	10	the	the	DET
fsr-3379	20	11	mean	mean	ADJ
fsr-3379	20	12	and	and	CCONJ
fsr-3379	20	13	median	median	ADJ
fsr-3379	20	14	retirement	retirement	NOUN
fsr-3379	20	15	savings	saving	NOUN
fsr-3379	20	16	are	be	AUX
fsr-3379	20	17	$	$	SYM
fsr-3379	20	18	96,495	96,495	NUM
fsr-3379	20	19	and	and	CCONJ
fsr-3379	20	20	$	$	SYM
fsr-3379	20	21	24,713	24,713	NUM
fsr-3379	20	22	,	,	PUNCT
fsr-3379	20	23	respectively	respectively	ADV
fsr-3379	20	24	.	.	PUNCT
fsr-3379	21	1	even	even	ADV
fsr-3379	21	2	near	near	ADP
fsr-3379	21	3	retirees	retiree	NOUN
fsr-3379	21	4	ages	age	NOUN
fsr-3379	21	5	55–64	55–64	NUM
fsr-3379	21	6	have	have	VERB
fsr-3379	21	7	only	only	ADV
fsr-3379	21	8	$	$	SYM
fsr-3379	21	9	178,963	178,963	NUM
fsr-3379	21	10	(	(	PUNCT
fsr-3379	21	11	mean	mean	ADJ
fsr-3379	21	12	)	)	PUNCT
fsr-3379	21	13	and	and	CCONJ
fsr-3379	21	14	$	$	SYM
fsr-3379	21	15	66,643	66,643	NUM
fsr-3379	21	16	(	(	PUNCT
fsr-3379	21	17	median	median	NOUN
fsr-3379	21	18	)	)	PUNCT
fsr-3379	21	19	in	in	ADP
fsr-3379	21	20	retirement	retirement	NOUN
fsr-3379	21	21	savings	saving	NOUN
fsr-3379	21	22	(	(	PUNCT
fsr-3379	21	23	utkus	utkus	NOUN
fsr-3379	21	24	and	and	CCONJ
fsr-3379	21	25	young	young	ADJ
fsr-3379	21	26	,	,	PUNCT
fsr-3379	21	27	2017	2017	NUM
fsr-3379	21	28	)	)	PUNCT
fsr-3379	21	29	.	.	PUNCT
fsr-3379	22	1	individuals	individual	NOUN
fsr-3379	22	2	may	may	AUX
fsr-3379	22	3	be	be	AUX
fsr-3379	22	4	able	able	ADJ
fsr-3379	22	5	to	to	PART
fsr-3379	22	6	increase	increase	VERB
fsr-3379	22	7	the	the	DET
fsr-3379	22	8	rate	rate	NOUN
fsr-3379	22	9	of	of	ADP
fsr-3379	22	10	returns	return	NOUN
fsr-3379	22	11	by	by	ADP
fsr-3379	22	12	accepting	accept	VERB
fsr-3379	22	13	more	more	ADJ
fsr-3379	22	14	risk	risk	NOUN
fsr-3379	22	15	through	through	ADP
fsr-3379	22	16	investing	invest	VERB
fsr-3379	22	17	in	in	ADP
fsr-3379	22	18	stocks	stock	NOUN
fsr-3379	22	19	and	and	CCONJ
fsr-3379	22	20	bonds	bond	NOUN
fsr-3379	22	21	.	.	PUNCT
fsr-3379	23	1	however	however	ADV
fsr-3379	23	2	,	,	PUNCT
fsr-3379	23	3	accepting	accept	VERB
fsr-3379	23	4	more	more	ADJ
fsr-3379	23	5	risk	risk	NOUN
fsr-3379	23	6	can	can	AUX
fsr-3379	23	7	result	result	VERB
fsr-3379	23	8	in	in	ADP
fsr-3379	23	9	losing	lose	VERB
fsr-3379	23	10	money	money	NOUN
fsr-3379	23	11	for	for	ADP
fsr-3379	23	12	retirement	retirement	NOUN
fsr-3379	23	13	savings	saving	NOUN
fsr-3379	23	14	(	(	PUNCT
fsr-3379	23	15	markowitz	markowitz	PROPN
fsr-3379	23	16	,	,	PUNCT
fsr-3379	23	17	1952	1952	NUM
fsr-3379	23	18	)	)	PUNCT
fsr-3379	23	19	.	.	PUNCT
fsr-3379	24	1	empirical	empirical	ADJ
fsr-3379	24	2	studies	study	NOUN
fsr-3379	24	3	report	report	VERB
fsr-3379	24	4	the	the	DET
fsr-3379	24	5	cost	cost	NOUN
fsr-3379	24	6	of	of	ADP
fsr-3379	24	7	losing	lose	VERB
fsr-3379	24	8	investments	investment	NOUN
fsr-3379	24	9	from	from	ADP
fsr-3379	24	10	bad	bad	ADJ
fsr-3379	24	11	outcomes	outcome	NOUN
fsr-3379	24	12	(	(	PUNCT
fsr-3379	24	13	bridges	bridge	NOUN
fsr-3379	24	14	,	,	PUNCT
fsr-3379	24	15	gesumaria	gesumaria	NOUN
fsr-3379	24	16	,	,	PUNCT
fsr-3379	24	17	and	and	CCONJ
fsr-3379	24	18	leonesio	leonesio	PROPN
fsr-3379	24	19	,	,	PUNCT
fsr-3379	24	20	2010	2010	NUM
fsr-3379	24	21	)	)	PUNCT
fsr-3379	24	22	despite	despite	SCONJ
fsr-3379	24	23	the	the	DET
fsr-3379	24	24	possibility	possibility	NOUN
fsr-3379	24	25	of	of	ADP
fsr-3379	24	26	high	high	ADJ
fsr-3379	24	27	returns	return	NOUN
fsr-3379	24	28	from	from	ADP
fsr-3379	24	29	a	a	DET
fsr-3379	24	30	riskier	risky	ADJ
fsr-3379	24	31	asset	asset	NOUN
fsr-3379	24	32	allocation	allocation	NOUN
fsr-3379	24	33	(	(	PUNCT
fsr-3379	24	34	poterba	poterba	NOUN
fsr-3379	24	35	,	,	PUNCT
fsr-3379	24	36	rauh	rauh	NOUN
fsr-3379	24	37	,	,	PUNCT
fsr-3379	24	38	venti	venti	NOUN
fsr-3379	24	39	,	,	PUNCT
fsr-3379	24	40	and	and	CCONJ
fsr-3379	24	41	wise	wise	ADJ
fsr-3379	24	42	,	,	PUNCT
fsr-3379	24	43	2003	2003	NUM
fsr-3379	24	44	)	)	PUNCT
fsr-3379	24	45	.	.	PUNCT
fsr-3379	25	1	in	in	ADP
fsr-3379	25	2	fact	fact	NOUN
fsr-3379	25	3	,	,	PUNCT
fsr-3379	25	4	american	american	ADJ
fsr-3379	25	5	workers	worker	NOUN
fsr-3379	25	6	already	already	ADV
fsr-3379	25	7	have	have	VERB
fsr-3379	25	8	substantially	substantially	ADV
fsr-3379	25	9	higher	high	ADJ
fsr-3379	25	10	portions	portion	NOUN
fsr-3379	25	11	of	of	ADP
fsr-3379	25	12	risky	risky	ADJ
fsr-3379	25	13	assets	asset	NOUN
fsr-3379	25	14	(	(	PUNCT
fsr-3379	25	15	stocks	stock	NOUN
fsr-3379	25	16	)	)	PUNCT
fsr-3379	25	17	in	in	ADP
fsr-3379	25	18	their	their	PRON
fsr-3379	25	19	investment	investment	NOUN
fsr-3379	25	20	portfolio	portfolio	NOUN
fsr-3379	25	21	from	from	ADP
fsr-3379	25	22	87	87	NUM
fsr-3379	25	23	%	%	NOUN
fsr-3379	25	24	(	(	PUNCT
fsr-3379	25	25	younger	young	ADJ
fsr-3379	25	26	than	than	ADP
fsr-3379	25	27	age	age	NOUN
fsr-3379	25	28	30	30	NUM
fsr-3379	25	29	)	)	PUNCT
fsr-3379	25	30	to	to	ADP
fsr-3379	25	31	56	56	NUM
fsr-3379	25	32	%	%	NOUN
fsr-3379	25	33	(	(	PUNCT
fsr-3379	25	34	near	near	ADP
fsr-3379	25	35	retirees	retiree	NOUN
fsr-3379	25	36	ages	age	NOUN
fsr-3379	25	37	60–64	60–64	NUM
fsr-3379	25	38	)	)	PUNCT
fsr-3379	25	39	.	.	PUNCT
fsr-3379	26	1	however	however	ADV
fsr-3379	26	2	,	,	PUNCT
fsr-3379	26	3	despite	despite	SCONJ
fsr-3379	26	4	this	this	DET
fsr-3379	26	5	asset	asset	NOUN
fsr-3379	26	6	allocation	allocation	NOUN
fsr-3379	26	7	with	with	ADP
fsr-3379	26	8	risky	risky	ADJ
fsr-3379	26	9	assets	asset	NOUN
fsr-3379	26	10	,	,	PUNCT
fsr-3379	26	11	their	their	PRON
fsr-3379	26	12	outstanding	outstanding	ADJ
fsr-3379	26	13	balances	balance	NOUN
fsr-3379	26	14	especially	especially	ADV
fsr-3379	26	15	in	in	ADP
fsr-3379	26	16	near	near	ADJ
fsr-3379	26	17	retirees	retiree	NOUN
fsr-3379	26	18	are	be	AUX
fsr-3379	26	19	considerably	considerably	ADV
fsr-3379	26	20	low	low	ADJ
fsr-3379	26	21	as	as	SCONJ
fsr-3379	26	22	aforementioned	aforementione	VERB
fsr-3379	26	23	.	.	PUNCT
fsr-3379	27	1	having	have	VERB
fsr-3379	27	2	more	more	ADJ
fsr-3379	27	3	years	year	NOUN
fsr-3379	27	4	of	of	ADP
fsr-3379	27	5	contribution	contribution	NOUN
fsr-3379	27	6	unambiguously	unambiguously	ADV
fsr-3379	27	7	can	can	AUX
fsr-3379	27	8	bring	bring	VERB
fsr-3379	27	9	about	about	ADP
fsr-3379	27	10	better	well	ADJ
fsr-3379	27	11	retirement	retirement	NOUN
fsr-3379	27	12	savings	saving	NOUN
fsr-3379	27	13	outcomes	outcome	NOUN
fsr-3379	27	14	compared	compare	VERB
fsr-3379	27	15	with	with	ADP
fsr-3379	27	16	the	the	DET
fsr-3379	27	17	limitations	limitation	NOUN
fsr-3379	27	18	of	of	ADP
fsr-3379	27	19	contribution	contribution	NOUN
fsr-3379	27	20	rate	rate	NOUN
fsr-3379	27	21	and	and	CCONJ
fsr-3379	27	22	rate	rate	NOUN
fsr-3379	27	23	of	of	ADP
fsr-3379	27	24	return	return	NOUN
fsr-3379	27	25	.	.	PUNCT
fsr-3379	28	1	having	have	VERB
fsr-3379	28	2	more	more	ADJ
fsr-3379	28	3	years	year	NOUN
fsr-3379	28	4	of	of	ADP
fsr-3379	28	5	saving	save	VERB
fsr-3379	28	6	or	or	CCONJ
fsr-3379	28	7	investing	investing	NOUN
fsr-3379	28	8	can	can	AUX
fsr-3379	28	9	further	far	ADV
fsr-3379	28	10	be	be	AUX
fsr-3379	28	11	benefited	benefit	VERB
fsr-3379	28	12	from	from	ADP
fsr-3379	28	13	amount	amount	NOUN
fsr-3379	28	14	of	of	ADP
fsr-3379	28	15	time	time	NOUN
fsr-3379	28	16	for	for	ADP
fsr-3379	28	17	a	a	DET
fsr-3379	28	18	compound	compound	NOUN
fsr-3379	28	19	return	return	NOUN
fsr-3379	28	20	that	that	PRON
fsr-3379	28	21	produces	produce	VERB
fsr-3379	28	22	additional	additional	ADJ
fsr-3379	28	23	returns	return	NOUN
fsr-3379	28	24	from	from	ADP
fsr-3379	28	25	the	the	DET
fsr-3379	28	26	returns	return	NOUN
fsr-3379	28	27	earned	earn	VERB
fsr-3379	28	28	during	during	ADP
fsr-3379	28	29	previous	previous	ADJ
fsr-3379	28	30	periods	period	NOUN
fsr-3379	28	31	in	in	ADP
fsr-3379	28	32	addition	addition	NOUN
fsr-3379	28	33	to	to	ADP
fsr-3379	28	34	the	the	DET
fsr-3379	28	35	investment	investment	NOUN
fsr-3379	28	36	principal	principal	NOUN
fsr-3379	28	37	.	.	PUNCT
fsr-3379	29	1	thus	thus	ADV
fsr-3379	29	2	,	,	PUNCT
fsr-3379	29	3	starting	start	VERB
fsr-3379	29	4	to	to	PART
fsr-3379	29	5	save	save	VERB
fsr-3379	29	6	early	early	ADV
fsr-3379	29	7	for	for	ADP
fsr-3379	29	8	retirement	retirement	NOUN
fsr-3379	29	9	,	,	PUNCT
fsr-3379	29	10	as	as	ADP
fsr-3379	29	11	a	a	DET
fsr-3379	29	12	young	young	ADJ
fsr-3379	29	13	adult	adult	NOUN
fsr-3379	29	14	,	,	PUNCT
fsr-3379	29	15	is	be	AUX
fsr-3379	29	16	of	of	ADP
fsr-3379	29	17	great	great	ADJ
fsr-3379	29	18	importance	importance	NOUN
fsr-3379	29	19	.	.	PUNCT
fsr-3379	30	1	if	if	SCONJ
fsr-3379	30	2	people	people	NOUN
fsr-3379	30	3	start	start	VERB
fsr-3379	30	4	saving	save	VERB
fsr-3379	30	5	at	at	ADP
fsr-3379	30	6	younger	young	ADJ
fsr-3379	30	7	ages	age	NOUN
fsr-3379	30	8	(	(	PUNCT
fsr-3379	30	9	e.g.	e.g.	ADV
fsr-3379	30	10	,	,	PUNCT
fsr-3379	30	11	early	early	ADJ
fsr-3379	30	12	20s	20	NOUN
fsr-3379	30	13	)	)	PUNCT
fsr-3379	30	14	for	for	ADP
fsr-3379	30	15	retirement	retirement	NOUN
fsr-3379	30	16	,	,	PUNCT
fsr-3379	30	17	a	a	DET
fsr-3379	30	18	small	small	ADJ
fsr-3379	30	19	amount	amount	NOUN
fsr-3379	30	20	of	of	ADP
fsr-3379	30	21	money	money	NOUN
fsr-3379	30	22	can	can	AUX
fsr-3379	30	23	make	make	VERB
fsr-3379	30	24	a	a	DET
fsr-3379	30	25	big	big	ADJ
fsr-3379	30	26	difference	difference	NOUN
fsr-3379	30	27	in	in	ADP
fsr-3379	30	28	the	the	DET
fsr-3379	30	29	accumulation	accumulation	NOUN
fsr-3379	30	30	of	of	ADP
fsr-3379	30	31	retirement	retirement	NOUN
fsr-3379	30	32	savings	saving	NOUN
fsr-3379	30	33	because	because	SCONJ
fsr-3379	30	34	of	of	ADP
fsr-3379	30	35	the	the	DET
fsr-3379	30	36	effects	effect	NOUN
fsr-3379	30	37	of	of	ADP
fsr-3379	30	38	compounding	compounding	NOUN
fsr-3379	30	39	.	.	PUNCT
fsr-3379	31	1	for	for	ADP
fsr-3379	31	2	example	example	NOUN
fsr-3379	31	3	,	,	PUNCT
fsr-3379	31	4	a	a	DET
fsr-3379	31	5	worker	worker	NOUN
fsr-3379	31	6	who	who	PRON
fsr-3379	31	7	starts	start	VERB
fsr-3379	31	8	saving	save	VERB
fsr-3379	31	9	$	$	SYM
fsr-3379	31	10	50	50	NUM
fsr-3379	31	11	per	per	ADP
fsr-3379	31	12	week	week	NOUN
fsr-3379	31	13	at	at	ADP
fsr-3379	31	14	age	age	NOUN
fsr-3379	31	15	22	22	NUM
fsr-3379	31	16	will	will	AUX
fsr-3379	31	17	have	have	VERB
fsr-3379	31	18	a	a	DET
fsr-3379	31	19	million	million	NUM
fsr-3379	31	20	dollars	dollar	NOUN
fsr-3379	31	21	given	give	VERB
fsr-3379	31	22	an	an	DET
fsr-3379	31	23	8	8	NUM
fsr-3379	31	24	%	%	NOUN
fsr-3379	31	25	rate	rate	NOUN
fsr-3379	31	26	of	of	ADP
fsr-3379	31	27	return	return	NOUN
fsr-3379	31	28	by	by	ADP
fsr-3379	31	29	age	age	NOUN
fsr-3379	31	30	66	66	NUM
fsr-3379	31	31	whereas	whereas	SCONJ
fsr-3379	31	32	someone	someone	PRON
fsr-3379	31	33	who	who	PRON
fsr-3379	31	34	starts	start	VERB
fsr-3379	31	35	saving	save	VERB
fsr-3379	31	36	at	at	ADP
fsr-3379	31	37	age	age	NOUN
fsr-3379	31	38	30	30	NUM
fsr-3379	31	39	will	will	AUX
fsr-3379	31	40	have	have	VERB
fsr-3379	31	41	about	about	ADP
fsr-3379	31	42	$	$	SYM
fsr-3379	31	43	540,000	540,000	NUM
fsr-3379	31	44	or	or	CCONJ
fsr-3379	31	45	about	about	ADP
fsr-3379	31	46	half	half	NOUN
fsr-3379	31	47	of	of	ADP
fsr-3379	31	48	the	the	DET
fsr-3379	31	49	age	age	NOUN
fsr-3379	31	50	22	22	NUM
fsr-3379	31	51	amount	amount	NOUN
fsr-3379	31	52	(	(	PUNCT
fsr-3379	31	53	garman	garman	NOUN
fsr-3379	31	54	and	and	CCONJ
fsr-3379	31	55	forgue	forgue	NOUN
fsr-3379	31	56	,	,	PUNCT
fsr-3379	31	57	2015	2015	NUM
fsr-3379	31	58	)	)	PUNCT
fsr-3379	31	59	.	.	PUNCT
fsr-3379	32	1	starting	start	VERB
fsr-3379	32	2	early	early	ADV
fsr-3379	32	3	to	to	PART
fsr-3379	32	4	save	save	VERB
fsr-3379	32	5	for	for	ADP
fsr-3379	32	6	retirement	retirement	NOUN
fsr-3379	32	7	may	may	AUX
fsr-3379	32	8	require	require	VERB
fsr-3379	32	9	individuals	individual	NOUN
fsr-3379	32	10	to	to	PART
fsr-3379	32	11	be	be	AUX
fsr-3379	32	12	employed	employ	VERB
fsr-3379	32	13	as	as	ADV
fsr-3379	32	14	soon	soon	ADV
fsr-3379	32	15	as	as	ADP
fsr-3379	32	16	possible	possible	ADJ
fsr-3379	32	17	.	.	PUNCT
fsr-3379	33	1	americans	americans	PROPN
fsr-3379	33	2	’	’	PART
fsr-3379	33	3	age	age	NOUN
fsr-3379	33	4	when	when	SCONJ
fsr-3379	33	5	first	first	ADV
fsr-3379	33	6	employed	employ	VERB
fsr-3379	33	7	,	,	PUNCT
fsr-3379	33	8	however	however	ADV
fsr-3379	33	9	,	,	PUNCT
fsr-3379	33	10	has	have	AUX
fsr-3379	33	11	increased	increase	VERB
fsr-3379	33	12	over	over	ADP
fsr-3379	33	13	time	time	NOUN
fsr-3379	33	14	.	.	PUNCT
fsr-3379	34	1	according	accord	VERB
fsr-3379	34	2	to	to	ADP
fsr-3379	34	3	the	the	DET
fsr-3379	34	4	current	current	ADJ
fsr-3379	34	5	population	population	NOUN
fsr-3379	34	6	survey	survey	NOUN
fsr-3379	34	7	,	,	PUNCT
fsr-3379	34	8	the	the	DET
fsr-3379	34	9	average	average	ADJ
fsr-3379	34	10	age	age	NOUN
fsr-3379	34	11	of	of	ADP
fsr-3379	34	12	american	american	ADJ
fsr-3379	34	13	men	man	NOUN
fsr-3379	34	14	(	(	PUNCT
fsr-3379	34	15	women	woman	NOUN
fsr-3379	34	16	)	)	PUNCT
fsr-3379	34	17	entering	enter	VERB
fsr-3379	34	18	the	the	DET
fsr-3379	34	19	job	job	NOUN
fsr-3379	34	20	market	market	NOUN
fsr-3379	34	21	has	have	AUX
fsr-3379	34	22	increased	increase	VERB
fsr-3379	34	23	by	by	ADP
fsr-3379	34	24	about	about	ADV
fsr-3379	34	25	two	two	NUM
fsr-3379	34	26	full	full	ADJ
fsr-3379	34	27	years	year	NOUN
fsr-3379	34	28	during	during	ADP
fsr-3379	34	29	the	the	DET
fsr-3379	34	30	recent	recent	ADJ
fsr-3379	34	31	14	14	NUM
fsr-3379	34	32	year	year	NOUN
fsr-3379	34	33	span	span	NOUN
fsr-3379	34	34	from	from	ADP
fsr-3379	34	35	age	age	NOUN
fsr-3379	34	36	19.1	19.1	NUM
fsr-3379	34	37	(	(	PUNCT
fsr-3379	34	38	21.9	21.9	NUM
fsr-3379	34	39	)	)	PUNCT
fsr-3379	34	40	in	in	ADP
fsr-3379	34	41	2000	2000	NUM
fsr-3379	34	42	,	,	PUNCT
fsr-3379	34	43	19.5	19.5	NUM
fsr-3379	34	44	(	(	PUNCT
fsr-3379	34	45	22.5	22.5	NUM
fsr-3379	34	46	)	)	PUNCT
fsr-3379	34	47	in	in	ADP
fsr-3379	34	48	2007	2007	NUM
fsr-3379	34	49	and	and	CCONJ
fsr-3379	34	50	21	21	NUM
fsr-3379	34	51	(	(	PUNCT
fsr-3379	34	52	22.8	22.8	NUM
fsr-3379	34	53	)	)	PUNCT
fsr-3379	34	54	in	in	ADP
fsr-3379	34	55	2014	2014	NUM
fsr-3379	34	56	(	(	PUNCT
fsr-3379	34	57	kamenov	kamenov	PROPN
fsr-3379	34	58	,	,	PUNCT
fsr-3379	34	59	2016	2016	NUM
fsr-3379	34	60	)	)	PUNCT
fsr-3379	34	61	.	.	PUNCT
fsr-3379	35	1	temporary	temporary	ADJ
fsr-3379	35	2	economic	economic	ADJ
fsr-3379	35	3	slowdowns	slowdown	NOUN
fsr-3379	35	4	could	could	AUX
fsr-3379	35	5	contribute	contribute	VERB
fsr-3379	35	6	to	to	ADP
fsr-3379	35	7	this	this	DET
fsr-3379	35	8	trend	trend	NOUN
fsr-3379	35	9	.	.	PUNCT
fsr-3379	36	1	many	many	ADJ
fsr-3379	36	2	people	people	NOUN
fsr-3379	36	3	also	also	ADV
fsr-3379	36	4	decide	decide	VERB
fsr-3379	36	5	to	to	PART
fsr-3379	36	6	further	further	VERB
fsr-3379	36	7	their	their	PRON
fsr-3379	36	8	education	education	NOUN
fsr-3379	36	9	in	in	ADP
fsr-3379	36	10	hopes	hope	NOUN
fsr-3379	36	11	of	of	ADP
fsr-3379	36	12	being	be	AUX
fsr-3379	36	13	more	more	ADV
fsr-3379	36	14	competitive	competitive	ADJ
fsr-3379	36	15	in	in	ADP
fsr-3379	36	16	the	the	DET
fsr-3379	36	17	job	job	NOUN
fsr-3379	36	18	market	market	NOUN
fsr-3379	36	19	and	and	CCONJ
fsr-3379	36	20	obtaining	obtain	VERB
fsr-3379	36	21	higher	high	ADJ
fsr-3379	36	22	pay	pay	NOUN
fsr-3379	36	23	.	.	PUNCT
fsr-3379	37	1	in	in	ADP
fsr-3379	37	2	fact	fact	NOUN
fsr-3379	37	3	,	,	PUNCT
fsr-3379	37	4	college	college	NOUN
fsr-3379	37	5	(	(	PUNCT
fsr-3379	37	6	graduate	graduate	NOUN
fsr-3379	37	7	school	school	NOUN
fsr-3379	37	8	)	)	PUNCT
fsr-3379	37	9	enrollment	enrollment	NOUN
fsr-3379	37	10	rates	rate	NOUN
fsr-3379	37	11	have	have	AUX
fsr-3379	37	12	increased	increase	VERB
fsr-3379	37	13	from	from	ADP
fsr-3379	37	14	45	45	NUM
fsr-3379	37	15	%	%	NOUN
fsr-3379	37	16	(	(	PUNCT
fsr-3379	37	17	18	18	NUM
fsr-3379	37	18	%	%	NOUN
fsr-3379	37	19	)	)	PUNCT
fsr-3379	37	20	in	in	ADP
fsr-3379	37	21	1990	1990	NUM
fsr-3379	37	22	to	to	ADP
fsr-3379	37	23	57	57	NUM
fsr-3379	37	24	%	%	NOUN
fsr-3379	37	25	(	(	PUNCT
fsr-3379	37	26	26	26	NUM
fsr-3379	37	27	%	%	NOUN
fsr-3379	37	28	)	)	PUNCT
fsr-3379	37	29	in	in	ADP
fsr-3379	37	30	2015	2015	NUM
fsr-3379	37	31	(	(	PUNCT
fsr-3379	37	32	davis	davis	PROPN
fsr-3379	37	33	,	,	PUNCT
fsr-3379	37	34	kimball	kimball	PROPN
fsr-3379	37	35	,	,	PUNCT
fsr-3379	37	36	and	and	CCONJ
fsr-3379	37	37	gould	gould	PROPN
fsr-3379	37	38	,	,	PUNCT
fsr-3379	37	39	2015	2015	NUM
fsr-3379	37	40	)	)	PUNCT
fsr-3379	37	41	.	.	PUNCT
fsr-3379	38	1	despite	despite	SCONJ
fsr-3379	38	2	the	the	DET
fsr-3379	38	3	importance	importance	NOUN
fsr-3379	38	4	,	,	PUNCT
fsr-3379	38	5	empirical	empirical	ADJ
fsr-3379	38	6	research	research	NOUN
fsr-3379	38	7	to	to	PART
fsr-3379	38	8	investigate	investigate	VERB
fsr-3379	38	9	the	the	DET
fsr-3379	38	10	actual	actual	ADJ
fsr-3379	38	11	effect	effect	NOUN
fsr-3379	38	12	of	of	ADP
fsr-3379	38	13	age	age	NOUN
fsr-3379	38	14	when	when	SCONJ
fsr-3379	38	15	first	first	ADV
fsr-3379	38	16	employed	employ	VERB
fsr-3379	38	17	on	on	ADP
fsr-3379	38	18	retirement	retirement	NOUN
fsr-3379	38	19	wealth	wealth	NOUN
fsr-3379	38	20	is	be	AUX
fsr-3379	38	21	limited	limited	ADJ
fsr-3379	38	22	.	.	PUNCT
fsr-3379	39	1	this	this	DET
fsr-3379	39	2	study	study	NOUN
fsr-3379	39	3	examines	examine	VERB
fsr-3379	39	4	determinants	determinant	NOUN
fsr-3379	39	5	of	of	ADP
fsr-3379	39	6	retirement	retirement	NOUN
fsr-3379	39	7	savings	saving	NOUN
fsr-3379	39	8	focusing	focus	VERB
fsr-3379	39	9	on	on	ADP
fsr-3379	39	10	how	how	SCONJ
fsr-3379	39	11	age	age	NOUN
fsr-3379	39	12	when	when	SCONJ
fsr-3379	39	13	entering	enter	VERB
fsr-3379	39	14	the	the	DET
fsr-3379	39	15	labor	labor	NOUN
fsr-3379	39	16	market	market	NOUN
fsr-3379	39	17	is	be	AUX
fsr-3379	39	18	related	relate	VERB
fsr-3379	39	19	to	to	ADP
fsr-3379	39	20	retirement	retirement	NOUN
fsr-3379	39	21	savings	saving	NOUN
fsr-3379	39	22	in	in	ADP
fsr-3379	39	23	later	later	ADJ
fsr-3379	39	24	years	year	NOUN
fsr-3379	39	25	.	.	PUNCT
fsr-3379	40	1	two	two	NUM
fsr-3379	40	2	specific	specific	ADJ
fsr-3379	40	3	questions	question	NOUN
fsr-3379	40	4	are	be	AUX
fsr-3379	40	5	investigated	investigate	VERB
fsr-3379	40	6	:	:	PUNCT
fsr-3379	40	7	has	have	VERB
fsr-3379	40	8	age	age	NOUN
fsr-3379	40	9	when	when	SCONJ
fsr-3379	40	10	first	first	ADV
fsr-3379	40	11	employed	employ	VERB
fsr-3379	40	12	affected	affect	VERB
fsr-3379	40	13	30	30	NUM
fsr-3379	40	14	h.	h.	PROPN
fsr-3379	40	15	kim	kim	PROPN
fsr-3379	40	16	et	et	PROPN
fsr-3379	40	17	al	al	PROPN
fsr-3379	40	18	.	.	PUNCT
fsr-3379	40	19	/	/	SYM
fsr-3379	40	20	financial	financial	ADJ
fsr-3379	40	21	services	service	NOUN
fsr-3379	40	22	review	review	VERB
fsr-3379	40	23	27	27	NUM
fsr-3379	40	24	(	(	PUNCT
fsr-3379	40	25	2018	2018	NUM
fsr-3379	40	26	)	)	PUNCT
fsr-3379	40	27	29	29	NUM
fsr-3379	40	28	-	-	SYM
fsr-3379	40	29	45	45	NUM
fsr-3379	40	30	retirement	retirement	NOUN
fsr-3379	40	31	wealth	wealth	NOUN
fsr-3379	40	32	of	of	ADP
fsr-3379	40	33	baby	baby	NOUN
fsr-3379	40	34	boomers	boomer	NOUN
fsr-3379	40	35	?	?	PUNCT
fsr-3379	41	1	if	if	SCONJ
fsr-3379	41	2	so	so	ADV
fsr-3379	41	3	,	,	PUNCT
fsr-3379	41	4	to	to	ADP
fsr-3379	41	5	what	what	DET
fsr-3379	41	6	extent	extent	NOUN
fsr-3379	41	7	?	?	PUNCT
fsr-3379	42	1	answering	answer	VERB
fsr-3379	42	2	these	these	DET
fsr-3379	42	3	questions	question	NOUN
fsr-3379	42	4	provides	provide	VERB
fsr-3379	42	5	significant	significant	ADJ
fsr-3379	42	6	implications	implication	NOUN
fsr-3379	42	7	for	for	ADP
fsr-3379	42	8	retirement	retirement	NOUN
fsr-3379	42	9	savings	saving	NOUN
fsr-3379	42	10	not	not	PART
fsr-3379	42	11	only	only	ADV
fsr-3379	42	12	for	for	ADP
fsr-3379	42	13	near	near	ADJ
fsr-3379	42	14	retirees	retiree	NOUN
fsr-3379	42	15	but	but	CCONJ
fsr-3379	42	16	also	also	ADV
fsr-3379	42	17	for	for	ADP
fsr-3379	42	18	young	young	ADJ
fsr-3379	42	19	americans	american	NOUN
fsr-3379	42	20	with	with	ADP
fsr-3379	42	21	regards	regard	NOUN
fsr-3379	42	22	to	to	ADP
fsr-3379	42	23	labor	labor	NOUN
fsr-3379	42	24	force	force	NOUN
fsr-3379	42	25	entry	entry	NOUN
fsr-3379	42	26	and	and	CCONJ
fsr-3379	42	27	whether	whether	SCONJ
fsr-3379	42	28	to	to	PART
fsr-3379	42	29	start	start	VERB
fsr-3379	42	30	saving	save	VERB
fsr-3379	42	31	for	for	ADP
fsr-3379	42	32	retirement	retirement	NOUN
fsr-3379	42	33	at	at	ADP
fsr-3379	42	34	younger	young	ADJ
fsr-3379	42	35	ages	age	NOUN
fsr-3379	42	36	.	.	PUNCT
fsr-3379	43	1	the	the	DET
fsr-3379	43	2	findings	finding	NOUN
fsr-3379	43	3	from	from	ADP
fsr-3379	43	4	this	this	DET
fsr-3379	43	5	study	study	NOUN
fsr-3379	43	6	also	also	ADV
fsr-3379	43	7	contribute	contribute	VERB
fsr-3379	43	8	to	to	ADP
fsr-3379	43	9	understanding	understand	VERB
fsr-3379	43	10	a	a	DET
fsr-3379	43	11	new	new	ADJ
fsr-3379	43	12	and	and	CCONJ
fsr-3379	43	13	important	important	ADJ
fsr-3379	43	14	determinant	determinant	ADJ
fsr-3379	43	15	of	of	ADP
fsr-3379	43	16	retirement	retirement	NOUN
fsr-3379	43	17	savings	saving	NOUN
fsr-3379	43	18	.	.	PUNCT
fsr-3379	44	1	the	the	DET
fsr-3379	44	2	remainder	remainder	NOUN
fsr-3379	44	3	of	of	ADP
fsr-3379	44	4	this	this	DET
fsr-3379	44	5	article	article	NOUN
fsr-3379	44	6	is	be	AUX
fsr-3379	44	7	organized	organize	VERB
fsr-3379	44	8	as	as	SCONJ
fsr-3379	44	9	follows	follow	VERB
fsr-3379	44	10	.	.	PUNCT
fsr-3379	45	1	section	section	NOUN
fsr-3379	45	2	2	2	NUM
fsr-3379	45	3	describes	describe	VERB
fsr-3379	45	4	the	the	DET
fsr-3379	45	5	retirement	retirement	NOUN
fsr-3379	45	6	savings	saving	NOUN
fsr-3379	45	7	of	of	ADP
fsr-3379	45	8	baby	baby	NOUN
fsr-3379	45	9	boomers	boomer	NOUN
fsr-3379	45	10	and	and	CCONJ
fsr-3379	45	11	timing	timing	NOUN
fsr-3379	45	12	of	of	ADP
fsr-3379	45	13	first	first	ADJ
fsr-3379	45	14	employment	employment	NOUN
fsr-3379	45	15	.	.	PUNCT
fsr-3379	46	1	section	section	NOUN
fsr-3379	46	2	3	3	NUM
fsr-3379	46	3	introduces	introduce	VERB
fsr-3379	46	4	the	the	DET
fsr-3379	46	5	theoretical	theoretical	ADJ
fsr-3379	46	6	overview	overview	NOUN
fsr-3379	46	7	.	.	PUNCT
fsr-3379	47	1	section	section	NOUN
fsr-3379	47	2	4	4	NUM
fsr-3379	47	3	provides	provide	VERB
fsr-3379	47	4	an	an	DET
fsr-3379	47	5	overview	overview	NOUN
fsr-3379	47	6	of	of	ADP
fsr-3379	47	7	the	the	DET
fsr-3379	47	8	methods	method	NOUN
fsr-3379	47	9	.	.	PUNCT
fsr-3379	48	1	section	section	NOUN
fsr-3379	48	2	5	5	NUM
fsr-3379	48	3	provides	provide	VERB
fsr-3379	48	4	details	detail	NOUN
fsr-3379	48	5	of	of	ADP
fsr-3379	48	6	the	the	DET
fsr-3379	48	7	results	result	NOUN
fsr-3379	48	8	.	.	PUNCT
fsr-3379	49	1	finally	finally	ADV
fsr-3379	49	2	,	,	PUNCT
fsr-3379	49	3	section	section	NOUN
fsr-3379	49	4	6	6	NUM
fsr-3379	49	5	includes	include	VERB
fsr-3379	49	6	a	a	DET
fsr-3379	49	7	discussion	discussion	NOUN
fsr-3379	49	8	.	.	PUNCT
fsr-3379	50	1	2	2	X
fsr-3379	50	2	.	.	X
fsr-3379	50	3	background	background	NOUN
fsr-3379	50	4	2.1	2.1	NUM
fsr-3379	50	5	.	.	PUNCT
fsr-3379	51	1	baby	baby	NOUN
fsr-3379	51	2	boomers	boomer	NOUN
fsr-3379	51	3	and	and	CCONJ
fsr-3379	51	4	retirement	retirement	NOUN
fsr-3379	51	5	savings	saving	NOUN
fsr-3379	51	6	baby	baby	NOUN
fsr-3379	51	7	boomers	boomer	NOUN
fsr-3379	51	8	continue	continue	VERB
fsr-3379	51	9	to	to	PART
fsr-3379	51	10	receive	receive	VERB
fsr-3379	51	11	considerable	considerable	ADJ
fsr-3379	51	12	attention	attention	NOUN
fsr-3379	51	13	from	from	ADP
fsr-3379	51	14	researchers	researcher	NOUN
fsr-3379	51	15	and	and	CCONJ
fsr-3379	51	16	policy	policy	NOUN
fsr-3379	51	17	makers	maker	NOUN
fsr-3379	51	18	regarding	regard	VERB
fsr-3379	51	19	retirement	retirement	NOUN
fsr-3379	51	20	savings	saving	NOUN
fsr-3379	51	21	.	.	PUNCT
fsr-3379	52	1	their	their	PRON
fsr-3379	52	2	current	current	ADJ
fsr-3379	52	3	status	status	NOUN
fsr-3379	52	4	of	of	ADP
fsr-3379	52	5	low	low	ADJ
fsr-3379	52	6	retirement	retirement	NOUN
fsr-3379	52	7	savings	saving	NOUN
fsr-3379	52	8	amounts	amount	NOUN
fsr-3379	52	9	could	could	AUX
fsr-3379	52	10	contribute	contribute	VERB
fsr-3379	52	11	to	to	ADP
fsr-3379	52	12	this	this	DET
fsr-3379	52	13	attention	attention	NOUN
fsr-3379	52	14	.	.	PUNCT
fsr-3379	53	1	in	in	ADP
fsr-3379	53	2	fact	fact	NOUN
fsr-3379	53	3	,	,	PUNCT
fsr-3379	53	4	40	40	NUM
fsr-3379	53	5	%	%	NOUN
fsr-3379	53	6	of	of	ADP
fsr-3379	53	7	baby	baby	NOUN
fsr-3379	53	8	boomers	boomer	NOUN
fsr-3379	53	9	have	have	VERB
fsr-3379	53	10	no	no	DET
fsr-3379	53	11	retirement	retirement	NOUN
fsr-3379	53	12	savings	saving	NOUN
fsr-3379	53	13	(	(	PUNCT
fsr-3379	53	14	insured	insure	VERB
fsr-3379	53	15	retirement	retirement	NOUN
fsr-3379	53	16	institute	institute	PROPN
fsr-3379	53	17	,	,	PUNCT
fsr-3379	53	18	2015	2015	NUM
fsr-3379	53	19	)	)	PUNCT
fsr-3379	53	20	.	.	PUNCT
fsr-3379	54	1	about	about	ADV
fsr-3379	54	2	62	62	NUM
fsr-3379	54	3	%	%	NOUN
fsr-3379	54	4	of	of	ADP
fsr-3379	54	5	working	work	VERB
fsr-3379	54	6	households	household	NOUN
fsr-3379	54	7	ages	age	NOUN
fsr-3379	54	8	55–64	55–64	NUM
fsr-3379	54	9	(	(	PUNCT
fsr-3379	54	10	a	a	DET
fsr-3379	54	11	core	core	NOUN
fsr-3379	54	12	group	group	NOUN
fsr-3379	54	13	of	of	ADP
fsr-3379	54	14	baby	baby	NOUN
fsr-3379	54	15	boomers	boomer	NOUN
fsr-3379	54	16	)	)	PUNCT
fsr-3379	54	17	have	have	VERB
fsr-3379	54	18	retirement	retirement	NOUN
fsr-3379	54	19	savings	saving	NOUN
fsr-3379	54	20	amounts	amount	VERB
fsr-3379	54	21	less	less	ADJ
fsr-3379	54	22	than	than	ADP
fsr-3379	54	23	one	one	NUM
fsr-3379	54	24	times	time	NOUN
fsr-3379	54	25	their	their	PRON
fsr-3379	54	26	annual	annual	ADJ
fsr-3379	54	27	income	income	NOUN
fsr-3379	54	28	(	(	PUNCT
fsr-3379	54	29	rhee	rhee	NOUN
fsr-3379	54	30	and	and	CCONJ
fsr-3379	54	31	boivie	boivie	NOUN
fsr-3379	54	32	,	,	PUNCT
fsr-3379	54	33	2015	2015	NUM
fsr-3379	54	34	)	)	PUNCT
fsr-3379	54	35	.	.	PUNCT
fsr-3379	55	1	this	this	PRON
fsr-3379	55	2	is	be	AUX
fsr-3379	55	3	far	far	ADV
fsr-3379	55	4	below	below	ADP
fsr-3379	55	5	the	the	DET
fsr-3379	55	6	recommendations	recommendation	NOUN
fsr-3379	55	7	for	for	ADP
fsr-3379	55	8	retirement	retirement	NOUN
fsr-3379	55	9	savings	saving	NOUN
fsr-3379	55	10	from	from	ADP
fsr-3379	55	11	experts	expert	NOUN
fsr-3379	55	12	(	(	PUNCT
fsr-3379	55	13	11	11	NUM
fsr-3379	55	14	times	time	NOUN
fsr-3379	55	15	annual	annual	ADJ
fsr-3379	55	16	income	income	NOUN
fsr-3379	55	17	)	)	PUNCT
fsr-3379	55	18	,	,	PUNCT
fsr-3379	55	19	causing	cause	VERB
fsr-3379	55	20	individual	individual	ADJ
fsr-3379	55	21	financial	financial	ADJ
fsr-3379	55	22	insecurity	insecurity	NOUN
fsr-3379	55	23	among	among	ADP
fsr-3379	55	24	this	this	DET
fsr-3379	55	25	group	group	NOUN
fsr-3379	55	26	(	(	PUNCT
fsr-3379	55	27	kadlec	kadlec	PROPN
fsr-3379	55	28	,	,	PUNCT
fsr-3379	55	29	2012	2012	NUM
fsr-3379	55	30	)	)	PUNCT
fsr-3379	55	31	.	.	PUNCT
fsr-3379	56	1	in	in	ADP
fsr-3379	56	2	addition	addition	NOUN
fsr-3379	56	3	,	,	PUNCT
fsr-3379	56	4	baby	baby	NOUN
fsr-3379	56	5	boomers	boomer	NOUN
fsr-3379	56	6	are	be	AUX
fsr-3379	56	7	also	also	ADV
fsr-3379	56	8	on	on	ADP
fsr-3379	56	9	the	the	DET
fsr-3379	56	10	verge	verge	NOUN
fsr-3379	56	11	of	of	ADP
fsr-3379	56	12	experiencing	experience	VERB
fsr-3379	56	13	a	a	DET
fsr-3379	56	14	critical	critical	ADJ
fsr-3379	56	15	change	change	NOUN
fsr-3379	56	16	in	in	ADP
fsr-3379	56	17	their	their	PRON
fsr-3379	56	18	financial	financial	ADJ
fsr-3379	56	19	life	life	NOUN
fsr-3379	56	20	stage	stage	NOUN
fsr-3379	56	21	according	accord	VERB
fsr-3379	56	22	to	to	ADP
fsr-3379	56	23	life	life	NOUN
fsr-3379	56	24	cycle	cycle	NOUN
fsr-3379	56	25	theory	theory	NOUN
fsr-3379	56	26	of	of	ADP
fsr-3379	56	27	savings	saving	NOUN
fsr-3379	56	28	:	:	PUNCT
fsr-3379	56	29	a	a	DET
fsr-3379	56	30	shift	shift	NOUN
fsr-3379	56	31	from	from	ADP
fsr-3379	56	32	the	the	DET
fsr-3379	56	33	saving	save	VERB
fsr-3379	56	34	domain	domain	NOUN
fsr-3379	56	35	to	to	ADP
fsr-3379	56	36	the	the	DET
fsr-3379	56	37	dissaving	dissave	VERB
fsr-3379	56	38	domain	domain	NOUN
fsr-3379	56	39	regarding	regard	VERB
fsr-3379	56	40	retirement	retirement	NOUN
fsr-3379	56	41	savings	saving	NOUN
fsr-3379	56	42	.	.	PUNCT
fsr-3379	57	1	the	the	DET
fsr-3379	57	2	majority	majority	NOUN
fsr-3379	57	3	of	of	ADP
fsr-3379	57	4	baby	baby	NOUN
fsr-3379	57	5	boomers	boomer	NOUN
fsr-3379	57	6	are	be	AUX
fsr-3379	57	7	also	also	ADV
fsr-3379	57	8	the	the	DET
fsr-3379	57	9	first	first	ADJ
fsr-3379	57	10	generation	generation	NOUN
fsr-3379	57	11	to	to	PART
fsr-3379	57	12	experience	experience	VERB
fsr-3379	57	13	defined	define	VERB
fsr-3379	57	14	contribution	contribution	NOUN
fsr-3379	57	15	plans	plan	NOUN
fsr-3379	57	16	such	such	ADJ
fsr-3379	57	17	as	as	ADP
fsr-3379	57	18	a	a	DET
fsr-3379	57	19	401(k	401(k	NOUN
fsr-3379	57	20	)	)	PUNCT
fsr-3379	57	21	.	.	PUNCT
fsr-3379	58	1	before	before	ADP
fsr-3379	58	2	1978	1978	NUM
fsr-3379	58	3	,	,	PUNCT
fsr-3379	58	4	a	a	DET
fsr-3379	58	5	defined	define	VERB
fsr-3379	58	6	benefit	benefit	NOUN
fsr-3379	58	7	plan	plan	NOUN
fsr-3379	58	8	was	be	AUX
fsr-3379	58	9	the	the	DET
fsr-3379	58	10	dominant	dominant	ADJ
fsr-3379	58	11	employee	employee	NOUN
fsr-3379	58	12	pension	pension	NOUN
fsr-3379	58	13	plan	plan	NOUN
fsr-3379	58	14	provided	provide	VERB
fsr-3379	58	15	by	by	ADP
fsr-3379	58	16	employers	employer	NOUN
fsr-3379	58	17	(	(	PUNCT
fsr-3379	58	18	employee	employee	NOUN
fsr-3379	58	19	benefit	benefit	NOUN
fsr-3379	58	20	research	research	PROPN
fsr-3379	58	21	institute	institute	NOUN
fsr-3379	58	22	,	,	PUNCT
fsr-3379	58	23	2007	2007	NUM
fsr-3379	58	24	)	)	PUNCT
fsr-3379	58	25	.	.	PUNCT
fsr-3379	59	1	under	under	ADP
fsr-3379	59	2	defined	define	VERB
fsr-3379	59	3	benefit	benefit	NOUN
fsr-3379	59	4	plans	plan	NOUN
fsr-3379	59	5	,	,	PUNCT
fsr-3379	59	6	retirees	retiree	NOUN
fsr-3379	59	7	receive	receive	VERB
fsr-3379	59	8	a	a	DET
fsr-3379	59	9	fixed	fix	VERB
fsr-3379	59	10	portion	portion	NOUN
fsr-3379	59	11	(	(	PUNCT
fsr-3379	59	12	e.g.	e.g.	ADV
fsr-3379	59	13	,	,	PUNCT
fsr-3379	59	14	50	50	NUM
fsr-3379	59	15	%	%	NOUN
fsr-3379	59	16	)	)	PUNCT
fsr-3379	59	17	of	of	ADP
fsr-3379	59	18	their	their	PRON
fsr-3379	59	19	pre	pre	ADJ
fsr-3379	59	20	-	-	ADJ
fsr-3379	59	21	retired	retired	ADJ
fsr-3379	59	22	salary	salary	NOUN
fsr-3379	59	23	until	until	ADP
fsr-3379	59	24	their	their	PRON
fsr-3379	59	25	death	death	NOUN
fsr-3379	59	26	.	.	PUNCT
fsr-3379	60	1	from	from	ADP
fsr-3379	60	2	1978	1978	NUM
fsr-3379	60	3	when	when	SCONJ
fsr-3379	60	4	baby	baby	NOUN
fsr-3379	60	5	boomers	boomer	NOUN
fsr-3379	60	6	were	be	AUX
fsr-3379	60	7	19	19	NUM
fsr-3379	60	8	to	to	PART
fsr-3379	60	9	30	30	NUM
fsr-3379	60	10	years	year	NOUN
fsr-3379	60	11	old	old	ADJ
fsr-3379	60	12	,	,	PUNCT
fsr-3379	60	13	however	however	ADV
fsr-3379	60	14	,	,	PUNCT
fsr-3379	60	15	employers	employer	NOUN
fsr-3379	60	16	started	start	VERB
fsr-3379	60	17	to	to	PART
fsr-3379	60	18	provide	provide	VERB
fsr-3379	60	19	defined	define	VERB
fsr-3379	60	20	contribution	contribution	NOUN
fsr-3379	60	21	plans	plan	NOUN
fsr-3379	60	22	instead	instead	ADV
fsr-3379	60	23	of	of	ADP
fsr-3379	60	24	defined	define	VERB
fsr-3379	60	25	benefit	benefit	NOUN
fsr-3379	60	26	plans	plan	NOUN
fsr-3379	60	27	.	.	PUNCT
fsr-3379	61	1	in	in	ADP
fsr-3379	61	2	fact	fact	NOUN
fsr-3379	61	3	,	,	PUNCT
fsr-3379	61	4	69	69	NUM
fsr-3379	61	5	%	%	NOUN
fsr-3379	61	6	of	of	ADP
fsr-3379	61	7	baby	baby	NOUN
fsr-3379	61	8	boomers	boomer	NOUN
fsr-3379	61	9	do	do	AUX
fsr-3379	61	10	not	not	PART
fsr-3379	61	11	have	have	VERB
fsr-3379	61	12	a	a	DET
fsr-3379	61	13	defined	define	VERB
fsr-3379	61	14	benefit	benefit	NOUN
fsr-3379	61	15	plan	plan	NOUN
fsr-3379	61	16	(	(	PUNCT
fsr-3379	61	17	insured	insure	VERB
fsr-3379	61	18	retirement	retirement	NOUN
fsr-3379	61	19	institute	institute	PROPN
fsr-3379	61	20	,	,	PUNCT
fsr-3379	61	21	2015	2015	NUM
fsr-3379	61	22	)	)	PUNCT
fsr-3379	61	23	.	.	PUNCT
fsr-3379	62	1	under	under	ADP
fsr-3379	62	2	defined	define	VERB
fsr-3379	62	3	contribution	contribution	NOUN
fsr-3379	62	4	plans	plan	NOUN
fsr-3379	62	5	,	,	PUNCT
fsr-3379	62	6	employees	employee	NOUN
fsr-3379	62	7	make	make	VERB
fsr-3379	62	8	their	their	PRON
fsr-3379	62	9	own	own	ADJ
fsr-3379	62	10	decisions	decision	NOUN
fsr-3379	62	11	and	and	CCONJ
fsr-3379	62	12	take	take	VERB
fsr-3379	62	13	sole	sole	ADJ
fsr-3379	62	14	responsibility	responsibility	NOUN
fsr-3379	62	15	for	for	ADP
fsr-3379	62	16	their	their	PRON
fsr-3379	62	17	retirement	retirement	NOUN
fsr-3379	62	18	savings	saving	NOUN
fsr-3379	62	19	outcomes	outcome	NOUN
fsr-3379	62	20	.	.	PUNCT
fsr-3379	63	1	the	the	DET
fsr-3379	63	2	baby	baby	NOUN
fsr-3379	63	3	boomer	boomer	NOUN
fsr-3379	63	4	experience	experience	NOUN
fsr-3379	63	5	provides	provide	VERB
fsr-3379	63	6	an	an	DET
fsr-3379	63	7	opportunity	opportunity	NOUN
fsr-3379	63	8	to	to	PART
fsr-3379	63	9	examine	examine	VERB
fsr-3379	63	10	the	the	DET
fsr-3379	63	11	relationship	relationship	NOUN
fsr-3379	63	12	between	between	ADP
fsr-3379	63	13	when	when	SCONJ
fsr-3379	63	14	to	to	PART
fsr-3379	63	15	start	start	VERB
fsr-3379	63	16	saving	save	VERB
fsr-3379	63	17	and	and	CCONJ
fsr-3379	63	18	retirement	retirement	NOUN
fsr-3379	63	19	savings	saving	NOUN
fsr-3379	63	20	outcomes	outcome	NOUN
fsr-3379	63	21	,	,	PUNCT
fsr-3379	63	22	but	but	CCONJ
fsr-3379	63	23	also	also	ADV
fsr-3379	63	24	can	can	AUX
fsr-3379	63	25	provide	provide	VERB
fsr-3379	63	26	more	more	ADV
fsr-3379	63	27	meaningful	meaningful	ADJ
fsr-3379	63	28	implications	implication	NOUN
fsr-3379	63	29	for	for	ADP
fsr-3379	63	30	younger	young	ADJ
fsr-3379	63	31	generations	generation	NOUN
fsr-3379	63	32	who	who	PRON
fsr-3379	63	33	share	share	VERB
fsr-3379	63	34	the	the	DET
fsr-3379	63	35	same	same	ADJ
fsr-3379	63	36	types	type	NOUN
fsr-3379	63	37	of	of	ADP
fsr-3379	63	38	retirement	retirement	NOUN
fsr-3379	63	39	plans	plan	NOUN
fsr-3379	63	40	.	.	PUNCT
fsr-3379	64	1	2.2	2.2	NUM
fsr-3379	64	2	.	.	PUNCT
fsr-3379	64	3	issues	issue	NOUN
fsr-3379	64	4	concerned	concern	VERB
fsr-3379	64	5	with	with	ADP
fsr-3379	64	6	timing	timing	NOUN
fsr-3379	64	7	of	of	ADP
fsr-3379	64	8	labor	labor	NOUN
fsr-3379	64	9	force	force	NOUN
fsr-3379	64	10	entry	entry	NOUN
fsr-3379	64	11	age	age	NOUN
fsr-3379	64	12	when	when	SCONJ
fsr-3379	64	13	first	first	ADV
fsr-3379	64	14	employed	employ	VERB
fsr-3379	64	15	can	can	AUX
fsr-3379	64	16	also	also	ADV
fsr-3379	64	17	be	be	AUX
fsr-3379	64	18	important	important	ADJ
fsr-3379	64	19	in	in	ADP
fsr-3379	64	20	projecting	project	VERB
fsr-3379	64	21	the	the	DET
fsr-3379	64	22	growth	growth	NOUN
fsr-3379	64	23	of	of	ADP
fsr-3379	64	24	retirement	retirement	NOUN
fsr-3379	64	25	savings	saving	NOUN
fsr-3379	64	26	contributions	contribution	NOUN
fsr-3379	64	27	specifically	specifically	ADV
fsr-3379	64	28	related	relate	VERB
fsr-3379	64	29	to	to	ADP
fsr-3379	64	30	the	the	DET
fsr-3379	64	31	benefits	benefit	NOUN
fsr-3379	64	32	of	of	ADP
fsr-3379	64	33	compound	compound	NOUN
fsr-3379	64	34	return	return	NOUN
fsr-3379	64	35	.	.	PUNCT
fsr-3379	65	1	for	for	ADP
fsr-3379	65	2	example	example	NOUN
fsr-3379	65	3	,	,	PUNCT
fsr-3379	65	4	let	let	VERB
fsr-3379	65	5	’s	’s	PRON
fsr-3379	65	6	assume	assume	VERB
fsr-3379	65	7	two	two	NUM
fsr-3379	65	8	individuals	individual	NOUN
fsr-3379	65	9	(	(	PUNCT
fsr-3379	65	10	person	person	NOUN
fsr-3379	65	11	a	a	NOUN
fsr-3379	65	12	and	and	CCONJ
fsr-3379	65	13	person	person	NOUN
fsr-3379	65	14	b	b	NOUN
fsr-3379	65	15	)	)	PUNCT
fsr-3379	65	16	work	work	NOUN
fsr-3379	65	17	for	for	ADP
fsr-3379	65	18	the	the	DET
fsr-3379	65	19	same	same	ADJ
fsr-3379	65	20	number	number	NOUN
fsr-3379	65	21	of	of	ADP
fsr-3379	65	22	years	year	NOUN
fsr-3379	65	23	,	,	PUNCT
fsr-3379	65	24	31h	31h	NUM
fsr-3379	65	25	.	.	PUNCT
fsr-3379	66	1	kim	kim	PROPN
fsr-3379	66	2	et	et	PROPN
fsr-3379	66	3	al	al	PROPN
fsr-3379	66	4	.	.	PUNCT
fsr-3379	66	5	/	/	SYM
fsr-3379	66	6	financial	financial	ADJ
fsr-3379	66	7	services	service	NOUN
fsr-3379	66	8	review	review	VERB
fsr-3379	66	9	27	27	NUM
fsr-3379	66	10	(	(	PUNCT
fsr-3379	66	11	2018	2018	NUM
fsr-3379	66	12	)	)	PUNCT
fsr-3379	66	13	29	29	NUM
fsr-3379	66	14	-	-	SYM
fsr-3379	66	15	45	45	NUM
fsr-3379	66	16	(	(	PUNCT
fsr-3379	66	17	i.e.	i.e.	X
fsr-3379	66	18	,	,	PUNCT
fsr-3379	66	19	30	30	NUM
fsr-3379	66	20	years	year	NOUN
fsr-3379	66	21	)	)	PUNCT
fsr-3379	66	22	.	.	PUNCT
fsr-3379	67	1	if	if	SCONJ
fsr-3379	67	2	person	person	NOUN
fsr-3379	67	3	a	a	PRON
fsr-3379	67	4	saves	save	VERB
fsr-3379	67	5	$	$	SYM
fsr-3379	67	6	500	500	NUM
fsr-3379	67	7	each	each	DET
fsr-3379	67	8	year	year	NOUN
fsr-3379	67	9	starting	start	VERB
fsr-3379	67	10	at	at	ADP
fsr-3379	67	11	age	age	NOUN
fsr-3379	67	12	22	22	NUM
fsr-3379	67	13	for	for	ADP
fsr-3379	67	14	30	30	NUM
fsr-3379	67	15	years	year	NOUN
fsr-3379	67	16	(	(	PUNCT
fsr-3379	67	17	age	age	NOUN
fsr-3379	67	18	22	22	NUM
fsr-3379	67	19	to	to	ADP
fsr-3379	67	20	52	52	NUM
fsr-3379	67	21	)	)	PUNCT
fsr-3379	67	22	at	at	ADP
fsr-3379	67	23	a	a	DET
fsr-3379	67	24	7	7	NUM
fsr-3379	67	25	%	%	NOUN
fsr-3379	67	26	annual	annual	ADJ
fsr-3379	67	27	rate	rate	NOUN
fsr-3379	67	28	of	of	ADP
fsr-3379	67	29	return	return	NOUN
fsr-3379	67	30	and	and	CCONJ
fsr-3379	67	31	then	then	ADV
fsr-3379	67	32	allows	allow	VERB
fsr-3379	67	33	the	the	DET
fsr-3379	67	34	balance	balance	NOUN
fsr-3379	67	35	to	to	PART
fsr-3379	67	36	grow	grow	VERB
fsr-3379	67	37	without	without	ADP
fsr-3379	67	38	further	further	ADJ
fsr-3379	67	39	contribution	contribution	NOUN
fsr-3379	67	40	for	for	ADP
fsr-3379	67	41	an	an	DET
fsr-3379	67	42	additional	additional	ADJ
fsr-3379	67	43	10	10	NUM
fsr-3379	67	44	years	year	NOUN
fsr-3379	67	45	,	,	PUNCT
fsr-3379	67	46	she	she	PRON
fsr-3379	67	47	would	would	AUX
fsr-3379	67	48	have	have	VERB
fsr-3379	67	49	$	$	SYM
fsr-3379	67	50	99,400	99,400	NUM
fsr-3379	67	51	in	in	ADP
fsr-3379	67	52	savings	saving	NOUN
fsr-3379	67	53	at	at	ADP
fsr-3379	67	54	age	age	NOUN
fsr-3379	67	55	62	62	NUM
fsr-3379	67	56	.	.	PUNCT
fsr-3379	68	1	however	however	ADV
fsr-3379	68	2	,	,	PUNCT
fsr-3379	68	3	if	if	SCONJ
fsr-3379	68	4	person	person	NOUN
fsr-3379	68	5	b	b	NOUN
fsr-3379	68	6	starts	start	VERB
fsr-3379	68	7	saving	save	VERB
fsr-3379	68	8	at	at	ADP
fsr-3379	68	9	age	age	NOUN
fsr-3379	68	10	32	32	NUM
fsr-3379	68	11	(	(	PUNCT
fsr-3379	68	12	10	10	NUM
fsr-3379	68	13	year	year	NOUN
fsr-3379	68	14	later	later	ADV
fsr-3379	68	15	)	)	PUNCT
fsr-3379	68	16	and	and	CCONJ
fsr-3379	68	17	continues	continue	VERB
fsr-3379	68	18	saving	save	VERB
fsr-3379	68	19	$	$	SYM
fsr-3379	68	20	500	500	NUM
fsr-3379	68	21	each	each	DET
fsr-3379	68	22	year	year	NOUN
fsr-3379	68	23	for	for	ADP
fsr-3379	68	24	30	30	NUM
fsr-3379	68	25	years	year	NOUN
fsr-3379	68	26	(	(	PUNCT
fsr-3379	68	27	age	age	NOUN
fsr-3379	68	28	32	32	NUM
fsr-3379	68	29	to	to	ADP
fsr-3379	68	30	62	62	NUM
fsr-3379	68	31	)	)	PUNCT
fsr-3379	68	32	,	,	PUNCT
fsr-3379	68	33	she	she	PRON
fsr-3379	68	34	would	would	AUX
fsr-3379	68	35	have	have	VERB
fsr-3379	68	36	$	$	SYM
fsr-3379	68	37	50,500	50,500	NUM
fsr-3379	68	38	at	at	ADP
fsr-3379	68	39	age	age	NOUN
fsr-3379	68	40	62	62	NUM
fsr-3379	68	41	;	;	PUNCT
fsr-3379	68	42	only	only	ADV
fsr-3379	68	43	half	half	NOUN
fsr-3379	68	44	of	of	ADP
fsr-3379	68	45	the	the	DET
fsr-3379	68	46	amount	amount	NOUN
fsr-3379	68	47	saved	save	VERB
fsr-3379	68	48	compared	compare	VERB
fsr-3379	68	49	with	with	ADP
fsr-3379	68	50	person	person	NOUN
fsr-3379	68	51	a	a	DET
fsr-3379	68	52	who	who	PRON
fsr-3379	68	53	started	start	VERB
fsr-3379	68	54	saving	save	VERB
fsr-3379	68	55	at	at	ADP
fsr-3379	68	56	a	a	DET
fsr-3379	68	57	younger	young	ADJ
fsr-3379	68	58	age	age	NOUN
fsr-3379	68	59	.	.	PUNCT
fsr-3379	69	1	many	many	ADJ
fsr-3379	69	2	americans	americans	PROPN
fsr-3379	69	3	tend	tend	VERB
fsr-3379	69	4	to	to	PART
fsr-3379	69	5	change	change	VERB
fsr-3379	69	6	employers	employer	NOUN
fsr-3379	69	7	more	more	ADV
fsr-3379	69	8	frequently	frequently	ADV
fsr-3379	69	9	than	than	ADP
fsr-3379	69	10	prior	prior	ADJ
fsr-3379	69	11	generations	generation	NOUN
fsr-3379	69	12	,	,	PUNCT
fsr-3379	69	13	particularly	particularly	ADV
fsr-3379	69	14	male	male	ADJ
fsr-3379	69	15	workers	worker	NOUN
fsr-3379	69	16	(	(	PUNCT
fsr-3379	69	17	copeland	copeland	PROPN
fsr-3379	69	18	,	,	PUNCT
fsr-3379	69	19	2010	2010	NUM
fsr-3379	69	20	;	;	PUNCT
fsr-3379	69	21	u.s	u.s	PROPN
fsr-3379	69	22	.	.	PROPN
fsr-3379	69	23	bureau	bureau	PROPN
fsr-3379	69	24	of	of	ADP
fsr-3379	69	25	labor	labor	PROPN
fsr-3379	69	26	statistics	statistic	NOUN
fsr-3379	69	27	,	,	PUNCT
fsr-3379	69	28	2016c	2016c	NUM
fsr-3379	69	29	)	)	PUNCT
fsr-3379	69	30	.	.	PUNCT
fsr-3379	70	1	in	in	ADP
fsr-3379	70	2	addition	addition	NOUN
fsr-3379	70	3	,	,	PUNCT
fsr-3379	70	4	they	they	PRON
fsr-3379	70	5	may	may	AUX
fsr-3379	70	6	experience	experience	VERB
fsr-3379	70	7	underemployment	underemployment	ADJ
fsr-3379	70	8	or	or	CCONJ
fsr-3379	70	9	have	have	AUX
fsr-3379	70	10	unpaid	unpaid	VERB
fsr-3379	70	11	leave	leave	NOUN
fsr-3379	70	12	for	for	ADP
fsr-3379	70	13	child	child	NOUN
fsr-3379	70	14	or	or	CCONJ
fsr-3379	70	15	elder	eld	ADJ
fsr-3379	70	16	care	care	NOUN
fsr-3379	70	17	(	(	PUNCT
fsr-3379	70	18	economic	economic	ADJ
fsr-3379	70	19	policy	policy	NOUN
fsr-3379	70	20	institute	institute	NOUN
fsr-3379	70	21	,	,	PUNCT
fsr-3379	70	22	2017	2017	NUM
fsr-3379	70	23	)	)	PUNCT
fsr-3379	70	24	.	.	PUNCT
fsr-3379	71	1	during	during	ADP
fsr-3379	71	2	these	these	DET
fsr-3379	71	3	unemployed	unemployed	ADJ
fsr-3379	71	4	periods	period	NOUN
fsr-3379	71	5	,	,	PUNCT
fsr-3379	71	6	savings	saving	NOUN
fsr-3379	71	7	contributed	contribute	VERB
fsr-3379	71	8	for	for	ADP
fsr-3379	71	9	retirement	retirement	NOUN
fsr-3379	71	10	in	in	ADP
fsr-3379	71	11	earlier	early	ADJ
fsr-3379	71	12	years	year	NOUN
fsr-3379	71	13	will	will	AUX
fsr-3379	71	14	keep	keep	AUX
fsr-3379	71	15	growing	grow	VERB
fsr-3379	71	16	because	because	SCONJ
fsr-3379	71	17	of	of	ADP
fsr-3379	71	18	compound	compound	NOUN
fsr-3379	71	19	return	return	NOUN
fsr-3379	71	20	,	,	PUNCT
fsr-3379	71	21	boosting	boost	VERB
fsr-3379	71	22	retirement	retirement	NOUN
fsr-3379	71	23	savings	saving	NOUN
fsr-3379	71	24	in	in	ADP
fsr-3379	71	25	later	later	ADJ
fsr-3379	71	26	years	year	NOUN
fsr-3379	71	27	.	.	PUNCT
fsr-3379	72	1	in	in	ADP
fsr-3379	72	2	recent	recent	ADJ
fsr-3379	72	3	years	year	NOUN
fsr-3379	72	4	the	the	DET
fsr-3379	72	5	timing	timing	NOUN
fsr-3379	72	6	of	of	ADP
fsr-3379	72	7	first	first	ADJ
fsr-3379	72	8	entry	entry	NOUN
fsr-3379	72	9	in	in	ADP
fsr-3379	72	10	the	the	DET
fsr-3379	72	11	job	job	NOUN
fsr-3379	72	12	market	market	NOUN
fsr-3379	72	13	shows	show	VERB
fsr-3379	72	14	a	a	DET
fsr-3379	72	15	trend	trend	NOUN
fsr-3379	72	16	of	of	ADP
fsr-3379	72	17	individuals	individual	NOUN
fsr-3379	72	18	entering	enter	VERB
fsr-3379	72	19	the	the	DET
fsr-3379	72	20	job	job	NOUN
fsr-3379	72	21	market	market	NOUN
fsr-3379	72	22	at	at	ADP
fsr-3379	72	23	older	old	ADJ
fsr-3379	72	24	ages	age	NOUN
fsr-3379	72	25	.	.	PUNCT
fsr-3379	73	1	late	late	ADJ
fsr-3379	73	2	entry	entry	NOUN
fsr-3379	73	3	into	into	ADP
fsr-3379	73	4	the	the	DET
fsr-3379	73	5	job	job	NOUN
fsr-3379	73	6	market	market	NOUN
fsr-3379	73	7	may	may	AUX
fsr-3379	73	8	have	have	VERB
fsr-3379	73	9	pros	pro	NOUN
fsr-3379	73	10	and	and	CCONJ
fsr-3379	73	11	cons	con	NOUN
fsr-3379	73	12	for	for	ADP
fsr-3379	73	13	retirement	retirement	NOUN
fsr-3379	73	14	savings	saving	NOUN
fsr-3379	73	15	through	through	ADP
fsr-3379	73	16	a	a	DET
fsr-3379	73	17	person	person	NOUN
fsr-3379	73	18	’s	’s	PART
fsr-3379	73	19	life	life	NOUN
fsr-3379	73	20	cycle	cycle	NOUN
fsr-3379	73	21	.	.	PUNCT
fsr-3379	74	1	for	for	ADP
fsr-3379	74	2	example	example	NOUN
fsr-3379	74	3	,	,	PUNCT
fsr-3379	74	4	obtaining	obtain	VERB
fsr-3379	74	5	a	a	DET
fsr-3379	74	6	higher	high	ADJ
fsr-3379	74	7	level	level	NOUN
fsr-3379	74	8	of	of	ADP
fsr-3379	74	9	education	education	NOUN
fsr-3379	74	10	can	can	AUX
fsr-3379	74	11	increase	increase	VERB
fsr-3379	74	12	an	an	DET
fsr-3379	74	13	individual	individual	NOUN
fsr-3379	74	14	’s	’s	PART
fsr-3379	74	15	earning	earn	VERB
fsr-3379	74	16	capacity	capacity	NOUN
fsr-3379	74	17	.	.	PUNCT
fsr-3379	75	1	a	a	DET
fsr-3379	75	2	worker	worker	NOUN
fsr-3379	75	3	with	with	ADP
fsr-3379	75	4	a	a	DET
fsr-3379	75	5	high	high	ADJ
fsr-3379	75	6	school	school	NOUN
fsr-3379	75	7	diploma	diploma	NOUN
fsr-3379	75	8	can	can	AUX
fsr-3379	75	9	expect	expect	VERB
fsr-3379	75	10	to	to	PART
fsr-3379	75	11	earn	earn	VERB
fsr-3379	75	12	$	$	SYM
fsr-3379	75	13	1.3	1.3	NUM
fsr-3379	75	14	million	million	NUM
fsr-3379	75	15	over	over	ADP
fsr-3379	75	16	their	their	PRON
fsr-3379	75	17	lifetime	lifetime	NOUN
fsr-3379	75	18	,	,	PUNCT
fsr-3379	75	19	whereas	whereas	SCONJ
fsr-3379	75	20	a	a	DET
fsr-3379	75	21	worker	worker	NOUN
fsr-3379	75	22	with	with	ADP
fsr-3379	75	23	a	a	DET
fsr-3379	75	24	bachelor	bachelor	NOUN
fsr-3379	75	25	’s	’s	NOUN
fsr-3379	75	26	or	or	CCONJ
fsr-3379	75	27	a	a	DET
fsr-3379	75	28	master	master	NOUN
fsr-3379	75	29	’s	’s	PART
fsr-3379	75	30	degree	degree	NOUN
fsr-3379	75	31	will	will	AUX
fsr-3379	75	32	earn	earn	VERB
fsr-3379	75	33	$	$	SYM
fsr-3379	75	34	2.3	2.3	NUM
fsr-3379	75	35	million	million	NUM
fsr-3379	75	36	or	or	CCONJ
fsr-3379	75	37	$	$	SYM
fsr-3379	75	38	2.7	2.7	NUM
fsr-3379	75	39	million	million	NUM
fsr-3379	75	40	,	,	PUNCT
fsr-3379	75	41	respectively	respectively	ADV
fsr-3379	75	42	(	(	PUNCT
fsr-3379	75	43	carnevale	carnevale	NOUN
fsr-3379	75	44	,	,	PUNCT
fsr-3379	75	45	rose	rise	VERB
fsr-3379	75	46	,	,	PUNCT
fsr-3379	75	47	and	and	CCONJ
fsr-3379	75	48	cheah	cheah	PROPN
fsr-3379	75	49	,	,	PUNCT
fsr-3379	75	50	2011	2011	NUM
fsr-3379	75	51	)	)	PUNCT
fsr-3379	75	52	.	.	PUNCT
fsr-3379	76	1	at	at	ADP
fsr-3379	76	2	the	the	DET
fsr-3379	76	3	same	same	ADJ
fsr-3379	76	4	time	time	NOUN
fsr-3379	76	5	,	,	PUNCT
fsr-3379	76	6	the	the	DET
fsr-3379	76	7	pursuit	pursuit	NOUN
fsr-3379	76	8	of	of	ADP
fsr-3379	76	9	higher	high	ADJ
fsr-3379	76	10	education	education	NOUN
fsr-3379	76	11	may	may	AUX
fsr-3379	76	12	decrease	decrease	VERB
fsr-3379	76	13	the	the	DET
fsr-3379	76	14	number	number	NOUN
fsr-3379	76	15	of	of	ADP
fsr-3379	76	16	working	working	NOUN
fsr-3379	76	17	years	year	NOUN
fsr-3379	76	18	and	and	CCONJ
fsr-3379	76	19	benefits	benefit	NOUN
fsr-3379	76	20	of	of	ADP
fsr-3379	76	21	compound	compound	NOUN
fsr-3379	76	22	return	return	NOUN
fsr-3379	76	23	for	for	ADP
fsr-3379	76	24	retirement	retirement	NOUN
fsr-3379	76	25	savings	saving	NOUN
fsr-3379	76	26	.	.	PUNCT
fsr-3379	77	1	for	for	ADP
fsr-3379	77	2	example	example	NOUN
fsr-3379	77	3	,	,	PUNCT
fsr-3379	77	4	life	life	NOUN
fsr-3379	77	5	transition	transition	NOUN
fsr-3379	77	6	events	event	NOUN
fsr-3379	77	7	may	may	AUX
fsr-3379	77	8	be	be	AUX
fsr-3379	77	9	delayed	delay	VERB
fsr-3379	77	10	such	such	ADJ
fsr-3379	77	11	as	as	ADP
fsr-3379	77	12	marriage	marriage	NOUN
fsr-3379	77	13	or	or	CCONJ
fsr-3379	77	14	having	have	VERB
fsr-3379	77	15	children	child	NOUN
fsr-3379	77	16	along	along	ADP
fsr-3379	77	17	with	with	ADP
fsr-3379	77	18	economic	economic	ADJ
fsr-3379	77	19	activities	activity	NOUN
fsr-3379	77	20	such	such	ADJ
fsr-3379	77	21	as	as	ADP
fsr-3379	77	22	first	first	ADJ
fsr-3379	77	23	time	time	NOUN
fsr-3379	77	24	home	home	ADV
fsr-3379	77	25	or	or	CCONJ
fsr-3379	77	26	car	car	NOUN
fsr-3379	77	27	buying	buying	NOUN
fsr-3379	77	28	.	.	PUNCT
fsr-3379	78	1	these	these	DET
fsr-3379	78	2	sequential	sequential	ADJ
fsr-3379	78	3	delays	delay	NOUN
fsr-3379	78	4	may	may	AUX
fsr-3379	78	5	make	make	VERB
fsr-3379	78	6	retirement	retirement	NOUN
fsr-3379	78	7	savings	saving	NOUN
fsr-3379	78	8	more	more	ADV
fsr-3379	78	9	difficult	difficult	ADJ
fsr-3379	78	10	in	in	ADP
fsr-3379	78	11	middle	middle	ADJ
fsr-3379	78	12	working	working	NOUN
fsr-3379	78	13	years	year	NOUN
fsr-3379	78	14	.	.	PUNCT
fsr-3379	79	1	however	however	ADV
fsr-3379	79	2	,	,	PUNCT
fsr-3379	79	3	the	the	DET
fsr-3379	79	4	research	research	NOUN
fsr-3379	79	5	on	on	ADP
fsr-3379	79	6	age	age	NOUN
fsr-3379	79	7	when	when	SCONJ
fsr-3379	79	8	first	first	ADV
fsr-3379	79	9	employed	employ	VERB
fsr-3379	79	10	is	be	AUX
fsr-3379	79	11	limited	limit	VERB
fsr-3379	79	12	when	when	SCONJ
fsr-3379	79	13	examining	examine	VERB
fsr-3379	79	14	retirement	retirement	NOUN
fsr-3379	79	15	savings	saving	NOUN
fsr-3379	79	16	outcomes	outcome	NOUN
fsr-3379	79	17	despite	despite	SCONJ
fsr-3379	79	18	the	the	DET
fsr-3379	79	19	importance	importance	NOUN
fsr-3379	79	20	of	of	ADP
fsr-3379	79	21	starting	start	VERB
fsr-3379	79	22	to	to	PART
fsr-3379	79	23	save	save	VERB
fsr-3379	79	24	at	at	ADP
fsr-3379	79	25	a	a	DET
fsr-3379	79	26	young	young	ADJ
fsr-3379	79	27	age	age	NOUN
fsr-3379	79	28	and	and	CCONJ
fsr-3379	79	29	the	the	DET
fsr-3379	79	30	benefits	benefit	NOUN
fsr-3379	79	31	of	of	ADP
fsr-3379	79	32	compound	compound	NOUN
fsr-3379	79	33	return	return	NOUN
fsr-3379	79	34	.	.	PUNCT
fsr-3379	80	1	2.3	2.3	NUM
fsr-3379	80	2	.	.	PUNCT
fsr-3379	81	1	other	other	ADJ
fsr-3379	81	2	issues	issue	NOUN
fsr-3379	81	3	on	on	ADP
fsr-3379	81	4	accumulated	accumulate	VERB
fsr-3379	81	5	wealth	wealth	NOUN
fsr-3379	81	6	many	many	ADJ
fsr-3379	81	7	previous	previous	ADJ
fsr-3379	81	8	studies	study	NOUN
fsr-3379	81	9	show	show	VERB
fsr-3379	81	10	that	that	SCONJ
fsr-3379	81	11	demographic	demographic	ADJ
fsr-3379	81	12	characteristics	characteristic	NOUN
fsr-3379	81	13	such	such	ADJ
fsr-3379	81	14	as	as	ADP
fsr-3379	81	15	gender	gender	NOUN
fsr-3379	81	16	,	,	PUNCT
fsr-3379	81	17	race	race	NOUN
fsr-3379	81	18	,	,	PUNCT
fsr-3379	81	19	and	and	CCONJ
fsr-3379	81	20	marital	marital	ADJ
fsr-3379	81	21	status	status	NOUN
fsr-3379	81	22	are	be	AUX
fsr-3379	81	23	associated	associate	VERB
fsr-3379	81	24	with	with	ADP
fsr-3379	81	25	wealth	wealth	NOUN
fsr-3379	81	26	.	.	PUNCT
fsr-3379	82	1	women	woman	NOUN
fsr-3379	82	2	tend	tend	VERB
fsr-3379	82	3	to	to	PART
fsr-3379	82	4	have	have	VERB
fsr-3379	82	5	lower	low	ADJ
fsr-3379	82	6	wealth	wealth	NOUN
fsr-3379	82	7	than	than	ADP
fsr-3379	82	8	men	man	NOUN
fsr-3379	82	9	mostly	mostly	ADV
fsr-3379	82	10	because	because	SCONJ
fsr-3379	82	11	of	of	ADP
fsr-3379	82	12	lower	low	ADJ
fsr-3379	82	13	life	life	NOUN
fsr-3379	82	14	time	time	NOUN
fsr-3379	82	15	earnings	earning	NOUN
fsr-3379	82	16	(	(	PUNCT
fsr-3379	82	17	ruel	ruel	NOUN
fsr-3379	82	18	and	and	CCONJ
fsr-3379	82	19	hauser	hauser	PROPN
fsr-3379	82	20	,	,	PUNCT
fsr-3379	82	21	2013	2013	NUM
fsr-3379	82	22	)	)	PUNCT
fsr-3379	82	23	.	.	PUNCT
fsr-3379	83	1	racial	racial	ADJ
fsr-3379	83	2	minorities	minority	NOUN
fsr-3379	83	3	tend	tend	VERB
fsr-3379	83	4	to	to	PART
fsr-3379	83	5	have	have	VERB
fsr-3379	83	6	lower	low	ADJ
fsr-3379	83	7	wealth	wealth	NOUN
fsr-3379	83	8	than	than	ADP
fsr-3379	83	9	white	white	ADJ
fsr-3379	83	10	adults	adult	NOUN
fsr-3379	83	11	because	because	SCONJ
fsr-3379	83	12	they	they	PRON
fsr-3379	83	13	have	have	VERB
fsr-3379	83	14	lower	low	ADJ
fsr-3379	83	15	income	income	NOUN
fsr-3379	83	16	amounts	amount	NOUN
fsr-3379	83	17	,	,	PUNCT
fsr-3379	83	18	have	have	VERB
fsr-3379	83	19	less	less	ADJ
fsr-3379	83	20	access	access	NOUN
fsr-3379	83	21	to	to	ADP
fsr-3379	83	22	financial	financial	ADJ
fsr-3379	83	23	services	service	NOUN
fsr-3379	83	24	,	,	PUNCT
fsr-3379	83	25	and	and	CCONJ
fsr-3379	83	26	lower	low	ADJ
fsr-3379	83	27	levels	level	NOUN
fsr-3379	83	28	of	of	ADP
fsr-3379	83	29	financial	financial	ADJ
fsr-3379	83	30	literacy	literacy	NOUN
fsr-3379	83	31	(	(	PUNCT
fsr-3379	83	32	employee	employee	NOUN
fsr-3379	83	33	benefit	benefit	NOUN
fsr-3379	83	34	research	research	PROPN
fsr-3379	83	35	institute	institute	NOUN
fsr-3379	83	36	,	,	PUNCT
fsr-3379	83	37	2003	2003	NUM
fsr-3379	83	38	;	;	PUNCT
fsr-3379	83	39	oliver	oliver	PROPN
fsr-3379	83	40	and	and	CCONJ
fsr-3379	83	41	shaprio	shaprio	NOUN
fsr-3379	83	42	,	,	PUNCT
fsr-3379	83	43	2006	2006	NUM
fsr-3379	83	44	)	)	PUNCT
fsr-3379	83	45	.	.	PUNCT
fsr-3379	84	1	married	married	ADJ
fsr-3379	84	2	couples	couple	NOUN
fsr-3379	84	3	tend	tend	VERB
fsr-3379	84	4	to	to	PART
fsr-3379	84	5	have	have	VERB
fsr-3379	84	6	higher	high	ADJ
fsr-3379	84	7	net	net	ADJ
fsr-3379	84	8	worth	worth	NOUN
fsr-3379	84	9	and	and	CCONJ
fsr-3379	84	10	larger	large	ADJ
fsr-3379	84	11	wealth	wealth	NOUN
fsr-3379	84	12	accumulation	accumulation	NOUN
fsr-3379	84	13	than	than	ADP
fsr-3379	84	14	single	single	ADJ
fsr-3379	84	15	households	household	NOUN
fsr-3379	84	16	because	because	SCONJ
fsr-3379	84	17	of	of	ADP
fsr-3379	84	18	the	the	DET
fsr-3379	84	19	well	well	ADV
fsr-3379	84	20	-	-	PUNCT
fsr-3379	84	21	known	know	VERB
fsr-3379	84	22	marriage	marriage	NOUN
fsr-3379	84	23	benefits	benefit	NOUN
fsr-3379	84	24	including	include	VERB
fsr-3379	84	25	economics	economic	NOUN
fsr-3379	84	26	of	of	ADP
fsr-3379	84	27	scale	scale	NOUN
fsr-3379	84	28	(	(	PUNCT
fsr-3379	84	29	di	di	NOUN
fsr-3379	84	30	,	,	PUNCT
fsr-3379	84	31	belsky	belsky	NOUN
fsr-3379	84	32	,	,	PUNCT
fsr-3379	84	33	and	and	CCONJ
fsr-3379	84	34	liu	liu	PROPN
fsr-3379	84	35	,	,	PUNCT
fsr-3379	84	36	2007	2007	NUM
fsr-3379	84	37	;	;	PUNCT
fsr-3379	84	38	schmidt	schmidt	PROPN
fsr-3379	84	39	and	and	CCONJ
fsr-3379	84	40	sevak	sevak	PROPN
fsr-3379	84	41	,	,	PUNCT
fsr-3379	84	42	2006	2006	NUM
fsr-3379	84	43	)	)	PUNCT
fsr-3379	84	44	.	.	PUNCT
fsr-3379	85	1	3	3	X
fsr-3379	85	2	.	.	X
fsr-3379	85	3	theoretical	theoretical	ADJ
fsr-3379	85	4	overview	overview	NOUN
fsr-3379	85	5	life	life	NOUN
fsr-3379	85	6	-	-	PUNCT
fsr-3379	85	7	cycle	cycle	NOUN
fsr-3379	85	8	and	and	CCONJ
fsr-3379	85	9	permanent	permanent	ADJ
fsr-3379	85	10	income	income	NOUN
fsr-3379	85	11	theory	theory	NOUN
fsr-3379	85	12	,	,	PUNCT
fsr-3379	85	13	which	which	PRON
fsr-3379	85	14	is	be	AUX
fsr-3379	85	15	a	a	DET
fsr-3379	85	16	dominant	dominant	ADJ
fsr-3379	85	17	economic	economic	ADJ
fsr-3379	85	18	theory	theory	NOUN
fsr-3379	85	19	used	use	VERB
fsr-3379	85	20	to	to	PART
fsr-3379	85	21	explain	explain	VERB
fsr-3379	85	22	savings	saving	NOUN
fsr-3379	85	23	and	and	CCONJ
fsr-3379	85	24	consumption	consumption	NOUN
fsr-3379	85	25	,	,	PUNCT
fsr-3379	85	26	suggests	suggest	VERB
fsr-3379	85	27	that	that	SCONJ
fsr-3379	85	28	age	age	NOUN
fsr-3379	85	29	(	(	PUNCT
fsr-3379	85	30	life	life	NOUN
fsr-3379	85	31	-	-	PUNCT
fsr-3379	85	32	cycle	cycle	NOUN
fsr-3379	85	33	)	)	PUNCT
fsr-3379	85	34	and	and	CCONJ
fsr-3379	85	35	income	income	NOUN
fsr-3379	85	36	are	be	AUX
fsr-3379	85	37	main	main	ADJ
fsr-3379	85	38	predictors	predictor	NOUN
fsr-3379	85	39	of	of	ADP
fsr-3379	85	40	accumulated	accumulate	VERB
fsr-3379	85	41	wealth	wealth	NOUN
fsr-3379	85	42	(	(	PUNCT
fsr-3379	85	43	friedman	friedman	PROPN
fsr-3379	85	44	,	,	PUNCT
fsr-3379	85	45	1957	1957	NUM
fsr-3379	85	46	;	;	PUNCT
fsr-3379	85	47	modigliani	modigliani	PROPN
fsr-3379	85	48	and	and	CCONJ
fsr-3379	85	49	brumberg	brumberg	PROPN
fsr-3379	85	50	,	,	PUNCT
fsr-3379	85	51	1954	1954	NUM
fsr-3379	85	52	)	)	PUNCT
fsr-3379	85	53	.	.	PUNCT
fsr-3379	86	1	the	the	DET
fsr-3379	86	2	32	32	NUM
fsr-3379	86	3	h.	h.	PROPN
fsr-3379	86	4	kim	kim	PROPN
fsr-3379	86	5	et	et	PROPN
fsr-3379	86	6	al	al	PROPN
fsr-3379	86	7	.	.	PUNCT
fsr-3379	86	8	/	/	SYM
fsr-3379	86	9	financial	financial	ADJ
fsr-3379	86	10	services	service	NOUN
fsr-3379	86	11	review	review	VERB
fsr-3379	86	12	27	27	NUM
fsr-3379	86	13	(	(	PUNCT
fsr-3379	86	14	2018	2018	NUM
fsr-3379	86	15	)	)	PUNCT
fsr-3379	86	16	29	29	NUM
fsr-3379	86	17	-	-	SYM
fsr-3379	86	18	45	45	NUM
fsr-3379	86	19	findings	finding	NOUN
fsr-3379	86	20	from	from	ADP
fsr-3379	86	21	extensive	extensive	ADJ
fsr-3379	86	22	empirical	empirical	ADJ
fsr-3379	86	23	studies	study	NOUN
fsr-3379	86	24	overall	overall	ADV
fsr-3379	86	25	have	have	AUX
fsr-3379	86	26	supported	support	VERB
fsr-3379	86	27	the	the	DET
fsr-3379	86	28	two	two	NUM
fsr-3379	86	29	important	important	ADJ
fsr-3379	86	30	determinants	determinant	NOUN
fsr-3379	86	31	of	of	ADP
fsr-3379	86	32	accumulated	accumulate	VERB
fsr-3379	86	33	wealth	wealth	NOUN
fsr-3379	86	34	as	as	SCONJ
fsr-3379	86	35	this	this	DET
fsr-3379	86	36	theory	theory	NOUN
fsr-3379	86	37	predicts	predict	VERB
fsr-3379	86	38	(	(	PUNCT
fsr-3379	86	39	attanasio	attanasio	NOUN
fsr-3379	86	40	and	and	CCONJ
fsr-3379	86	41	weber	weber	PROPN
fsr-3379	86	42	,	,	PUNCT
fsr-3379	86	43	2010	2010	NUM
fsr-3379	86	44	;	;	PUNCT
fsr-3379	86	45	browning	brown	VERB
fsr-3379	86	46	and	and	CCONJ
fsr-3379	86	47	crossley	crossley	NOUN
fsr-3379	86	48	,	,	PUNCT
fsr-3379	86	49	2001	2001	NUM
fsr-3379	86	50	;	;	PUNCT
fsr-3379	86	51	xiao	xiao	PROPN
fsr-3379	86	52	,	,	PUNCT
fsr-3379	86	53	ford	ford	PROPN
fsr-3379	86	54	,	,	PUNCT
fsr-3379	86	55	and	and	CCONJ
fsr-3379	86	56	kim	kim	PROPN
fsr-3379	86	57	,	,	PUNCT
fsr-3379	86	58	2011	2011	NUM
fsr-3379	86	59	)	)	PUNCT
fsr-3379	86	60	.	.	PUNCT
fsr-3379	87	1	this	this	DET
fsr-3379	87	2	theory	theory	NOUN
fsr-3379	87	3	indicates	indicate	VERB
fsr-3379	87	4	that	that	SCONJ
fsr-3379	87	5	individuals	individual	NOUN
fsr-3379	87	6	maximize	maximize	VERB
fsr-3379	87	7	their	their	PRON
fsr-3379	87	8	lifetime	lifetime	NOUN
fsr-3379	87	9	utility	utility	NOUN
fsr-3379	87	10	under	under	ADP
fsr-3379	87	11	resource	resource	NOUN
fsr-3379	87	12	constraint	constraint	NOUN
fsr-3379	87	13	by	by	ADP
fsr-3379	87	14	allocating	allocate	VERB
fsr-3379	87	15	a	a	DET
fsr-3379	87	16	certain	certain	ADJ
fsr-3379	87	17	proportion	proportion	NOUN
fsr-3379	87	18	of	of	ADP
fsr-3379	87	19	their	their	PRON
fsr-3379	87	20	lifetime	lifetime	NOUN
fsr-3379	87	21	resources	resource	NOUN
fsr-3379	87	22	to	to	ADP
fsr-3379	87	23	their	their	PRON
fsr-3379	87	24	consumption	consumption	NOUN
fsr-3379	87	25	and	and	CCONJ
fsr-3379	87	26	savings	saving	NOUN
fsr-3379	87	27	at	at	ADP
fsr-3379	87	28	each	each	DET
fsr-3379	87	29	period	period	NOUN
fsr-3379	87	30	of	of	ADP
fsr-3379	87	31	time	time	NOUN
fsr-3379	87	32	.	.	PUNCT
fsr-3379	88	1	this	this	DET
fsr-3379	88	2	allocation	allocation	NOUN
fsr-3379	88	3	may	may	AUX
fsr-3379	88	4	require	require	VERB
fsr-3379	88	5	individuals	individual	NOUN
fsr-3379	88	6	to	to	PART
fsr-3379	88	7	borrow	borrow	VERB
fsr-3379	88	8	in	in	ADP
fsr-3379	88	9	earlier	early	ADJ
fsr-3379	88	10	years	year	NOUN
fsr-3379	88	11	of	of	ADP
fsr-3379	88	12	their	their	PRON
fsr-3379	88	13	life	life	NOUN
fsr-3379	88	14	,	,	PUNCT
fsr-3379	88	15	save	save	VERB
fsr-3379	88	16	and	and	CCONJ
fsr-3379	88	17	pay	pay	VERB
fsr-3379	88	18	off	off	ADP
fsr-3379	88	19	debt	debt	NOUN
fsr-3379	88	20	in	in	ADP
fsr-3379	88	21	middle	middle	ADJ
fsr-3379	88	22	years	year	NOUN
fsr-3379	88	23	,	,	PUNCT
fsr-3379	88	24	and	and	CCONJ
fsr-3379	88	25	dis	dis	PROPN
fsr-3379	88	26	-	-	PUNCT
fsr-3379	88	27	save	save	VERB
fsr-3379	88	28	for	for	ADP
fsr-3379	88	29	living	living	NOUN
fsr-3379	88	30	expenses	expense	NOUN
fsr-3379	88	31	in	in	ADP
fsr-3379	88	32	later	later	ADJ
fsr-3379	88	33	years	year	NOUN
fsr-3379	88	34	over	over	ADP
fsr-3379	88	35	their	their	PRON
fsr-3379	88	36	life	life	NOUN
fsr-3379	88	37	-	-	PUNCT
fsr-3379	88	38	cycle	cycle	NOUN
fsr-3379	88	39	(	(	PUNCT
fsr-3379	88	40	age	age	NOUN
fsr-3379	88	41	)	)	PUNCT
fsr-3379	88	42	(	(	PUNCT
fsr-3379	88	43	modigliani	modigliani	PROPN
fsr-3379	88	44	and	and	CCONJ
fsr-3379	88	45	brumberg	brumberg	PROPN
fsr-3379	88	46	,	,	PUNCT
fsr-3379	88	47	1954	1954	NUM
fsr-3379	88	48	)	)	PUNCT
fsr-3379	88	49	.	.	PUNCT
fsr-3379	89	1	the	the	DET
fsr-3379	89	2	resource	resource	NOUN
fsr-3379	89	3	constraint	constraint	NOUN
fsr-3379	89	4	implies	imply	VERB
fsr-3379	89	5	that	that	SCONJ
fsr-3379	89	6	individuals	individual	NOUN
fsr-3379	89	7	should	should	AUX
fsr-3379	89	8	consume	consume	VERB
fsr-3379	89	9	within	within	ADP
fsr-3379	89	10	the	the	DET
fsr-3379	89	11	extent	extent	NOUN
fsr-3379	89	12	of	of	ADP
fsr-3379	89	13	the	the	DET
fsr-3379	89	14	sum	sum	NOUN
fsr-3379	89	15	of	of	ADP
fsr-3379	89	16	net	net	ADJ
fsr-3379	89	17	worth	worth	NOUN
fsr-3379	89	18	inherited	inherit	VERB
fsr-3379	89	19	or	or	CCONJ
fsr-3379	89	20	carried	carry	VERB
fsr-3379	89	21	over	over	ADP
fsr-3379	89	22	from	from	ADP
fsr-3379	89	23	previous	previous	ADJ
fsr-3379	89	24	years	year	NOUN
fsr-3379	89	25	if	if	SCONJ
fsr-3379	89	26	any	any	PRON
fsr-3379	89	27	and	and	CCONJ
fsr-3379	89	28	earned	earn	VERB
fsr-3379	89	29	income	income	NOUN
fsr-3379	89	30	over	over	ADP
fsr-3379	89	31	their	their	PRON
fsr-3379	89	32	working	work	VERB
fsr-3379	89	33	years	year	NOUN
fsr-3379	89	34	(	(	PUNCT
fsr-3379	89	35	lifetime	lifetime	NOUN
fsr-3379	89	36	/	/	SYM
fsr-3379	89	37	permanent	permanent	ADJ
fsr-3379	89	38	income	income	NOUN
fsr-3379	89	39	)	)	PUNCT
fsr-3379	89	40	(	(	PUNCT
fsr-3379	89	41	friedman	friedman	PROPN
fsr-3379	89	42	1957	1957	NUM
fsr-3379	89	43	;	;	PUNCT
fsr-3379	89	44	modigliani	modigliani	PROPN
fsr-3379	89	45	and	and	CCONJ
fsr-3379	89	46	brumberg	brumberg	PROPN
fsr-3379	89	47	,	,	PUNCT
fsr-3379	89	48	1954	1954	NUM
fsr-3379	89	49	)	)	PUNCT
fsr-3379	89	50	.	.	PUNCT
fsr-3379	90	1	this	this	PRON
fsr-3379	90	2	is	be	AUX
fsr-3379	90	3	called	call	VERB
fsr-3379	90	4	the	the	DET
fsr-3379	90	5	standard	standard	ADJ
fsr-3379	90	6	intertemporal	intertemporal	ADJ
fsr-3379	90	7	budget	budget	NOUN
fsr-3379	90	8	constraint	constraint	NOUN
fsr-3379	90	9	from	from	ADP
fsr-3379	90	10	which	which	PRON
fsr-3379	90	11	asset	asset	NOUN
fsr-3379	90	12	evolution	evolution	NOUN
fsr-3379	90	13	over	over	ADP
fsr-3379	90	14	time	time	NOUN
fsr-3379	90	15	is	be	AUX
fsr-3379	90	16	derived	derive	VERB
fsr-3379	90	17	(	(	PUNCT
fsr-3379	90	18	deaton	deaton	PROPN
fsr-3379	90	19	and	and	CCONJ
fsr-3379	90	20	paxson	paxson	PROPN
fsr-3379	90	21	,	,	PUNCT
fsr-3379	90	22	2000	2000	NUM
fsr-3379	90	23	)	)	PUNCT
fsr-3379	90	24	.	.	PUNCT
fsr-3379	91	1	the	the	DET
fsr-3379	91	2	asset	asset	NOUN
fsr-3379	91	3	evolution	evolution	NOUN
fsr-3379	91	4	equation	equation	NOUN
fsr-3379	91	5	is	be	AUX
fsr-3379	91	6	used	use	VERB
fsr-3379	91	7	to	to	PART
fsr-3379	91	8	estimate	estimate	VERB
fsr-3379	91	9	retirement	retirement	NOUN
fsr-3379	91	10	savings	saving	NOUN
fsr-3379	91	11	at	at	ADP
fsr-3379	91	12	the	the	DET
fsr-3379	91	13	current	current	ADJ
fsr-3379	91	14	or	or	CCONJ
fsr-3379	91	15	retirement	retirement	NOUN
fsr-3379	91	16	age	age	NOUN
fsr-3379	91	17	after	after	ADP
fsr-3379	91	18	considering	consider	VERB
fsr-3379	91	19	the	the	DET
fsr-3379	91	20	age	age	NOUN
fsr-3379	91	21	when	when	SCONJ
fsr-3379	91	22	first	first	ADV
fsr-3379	91	23	employed	employ	VERB
fsr-3379	91	24	.	.	PUNCT
fsr-3379	92	1	an	an	DET
fsr-3379	92	2	individual	individual	NOUN
fsr-3379	92	3	’s	’s	PART
fsr-3379	92	4	retirement	retirement	NOUN
fsr-3379	92	5	wealth	wealth	NOUN
fsr-3379	92	6	(	(	PUNCT
fsr-3379	92	7	rw	rw	NOUN
fsr-3379	92	8	)	)	PUNCT
fsr-3379	92	9	can	can	AUX
fsr-3379	92	10	be	be	AUX
fsr-3379	92	11	expressed	express	VERB
fsr-3379	92	12	with	with	ADP
fsr-3379	92	13	a	a	DET
fsr-3379	92	14	common	common	ADJ
fsr-3379	92	15	asset	asset	NOUN
fsr-3379	92	16	evolution	evolution	NOUN
fsr-3379	92	17	equation	equation	NOUN
fsr-3379	92	18	(	(	PUNCT
fsr-3379	92	19	azar	azar	PROPN
fsr-3379	92	20	,	,	PUNCT
fsr-3379	92	21	2012	2012	NUM
fsr-3379	92	22	;	;	PUNCT
fsr-3379	92	23	deaton	deaton	PROPN
fsr-3379	92	24	and	and	CCONJ
fsr-3379	92	25	paxson	paxson	PROPN
fsr-3379	92	26	,	,	PUNCT
fsr-3379	92	27	2000	2000	NUM
fsr-3379	92	28	):	):	PUNCT
fsr-3379	92	29	rwt	rwt	PROPN
fsr-3379	92	30	�	�	PROPN
fsr-3379	92	31	1	1	NUM
fsr-3379	92	32	�	�	PROPN
fsr-3379	92	33	�	�	PROPN
fsr-3379	92	34	1	1	NUM
fsr-3379	92	35	�	�	PROPN
fsr-3379	92	36	r	r	PROPN
fsr-3379	92	37	�	�	PROPN
fsr-3379	92	38	�	�	PROPN
fsr-3379	92	39	rwt	rwt	PROPN
fsr-3379	92	40	�	�	PROPN
fsr-3379	92	41	�	�	PROPN
fsr-3379	92	42	yt	yt	PROPN
fsr-3379	92	43	�	�	PROPN
fsr-3379	92	44	ct	ct	PRON
fsr-3379	92	45	�	�	PROPN
fsr-3379	92	46	(	(	PUNCT
fsr-3379	92	47	1	1	NUM
fsr-3379	92	48	)	)	PUNCT
fsr-3379	92	49	where	where	SCONJ
fsr-3379	92	50	rwt	rwt	PROPN
fsr-3379	92	51	�	�	PROPN
fsr-3379	92	52	1	1	NUM
fsr-3379	92	53	is	be	AUX
fsr-3379	92	54	retirement	retirement	NOUN
fsr-3379	92	55	wealth	wealth	NOUN
fsr-3379	92	56	at	at	ADP
fsr-3379	92	57	one	one	NUM
fsr-3379	92	58	year	year	NOUN
fsr-3379	92	59	later	later	ADV
fsr-3379	92	60	than	than	ADP
fsr-3379	92	61	year	year	NOUN
fsr-3379	92	62	t	t	PROPN
fsr-3379	92	63	,	,	PUNCT
fsr-3379	92	64	r	r	NOUN
fsr-3379	92	65	is	be	AUX
fsr-3379	92	66	the	the	DET
fsr-3379	92	67	real	real	ADJ
fsr-3379	92	68	interest	interest	NOUN
fsr-3379	92	69	rate	rate	NOUN
fsr-3379	92	70	,	,	PUNCT
fsr-3379	92	71	yt	yt	PROPN
fsr-3379	92	72	is	be	AUX
fsr-3379	92	73	income	income	NOUN
fsr-3379	92	74	,	,	PUNCT
fsr-3379	92	75	ct	ct	PROPN
fsr-3379	92	76	is	be	AUX
fsr-3379	92	77	consumption	consumption	NOUN
fsr-3379	92	78	,	,	PUNCT
fsr-3379	92	79	and	and	CCONJ
fsr-3379	92	80	�	�	PROPN
fsr-3379	92	81	yt	yt	PROPN
fsr-3379	92	82	�	�	PROPN
fsr-3379	92	83	ct	ct	NUM
fsr-3379	92	84	�	�	PROPN
fsr-3379	92	85	indicates	indicate	VERB
fsr-3379	92	86	savings	saving	NOUN
fsr-3379	92	87	at	at	ADP
fsr-3379	92	88	year	year	NOUN
fsr-3379	92	89	t.	t.	PROPN
fsr-3379	92	90	cumulating	cumulate	VERB
fsr-3379	92	91	this	this	DET
fsr-3379	92	92	equation	equation	NOUN
fsr-3379	92	93	to	to	PART
fsr-3379	92	94	current	current	ADJ
fsr-3379	92	95	or	or	CCONJ
fsr-3379	92	96	retirement	retirement	NOUN
fsr-3379	92	97	age	age	NOUN
fsr-3379	92	98	(	(	PUNCT
fsr-3379	92	99	a	a	NOUN
fsr-3379	92	100	)	)	PUNCT
fsr-3379	92	101	from	from	ADP
fsr-3379	92	102	a	a	DET
fsr-3379	92	103	starting	starting	NOUN
fsr-3379	92	104	age	age	NOUN
fsr-3379	92	105	(	(	PUNCT
fsr-3379	92	106	a0	a0	PROPN
fsr-3379	92	107	)	)	PUNCT
fsr-3379	92	108	when	when	SCONJ
fsr-3379	92	109	first	first	ADV
fsr-3379	92	110	employed	employ	VERB
fsr-3379	92	111	,	,	PUNCT
fsr-3379	92	112	we	we	PRON
fsr-3379	92	113	can	can	AUX
fsr-3379	92	114	express	express	VERB
fsr-3379	92	115	rwa	rwa	PROPN
fsr-3379	92	116	�	�	PROPN
fsr-3379	92	117	�	�	PROPN
fsr-3379	92	118	1	1	NUM
fsr-3379	92	119	�	�	PROPN
fsr-3379	92	120	r	r	NOUN
fsr-3379	92	121	�	�	PROPN
fsr-3379	92	122	a	a	DET
fsr-3379	92	123	�	�	PROPN
fsr-3379	92	124	a0	a0	PROPN
fsr-3379	92	125	�	�	PROPN
fsr-3379	92	126	rwa0	rwa0	PROPN
fsr-3379	92	127	�	�	PROPN
fsr-3379	92	128	�	�	PROPN
fsr-3379	92	129	k	k	PROPN
fsr-3379	92	130	�	�	PROPN
fsr-3379	92	131	0	0	NUM
fsr-3379	92	132	a	a	DET
fsr-3379	92	133	�	�	PROPN
fsr-3379	92	134	a0	a0	PROPN
fsr-3379	92	135	�	�	PROPN
fsr-3379	92	136	1	1	NUM
fsr-3379	92	137	�	�	PROPN
fsr-3379	92	138	1	1	NUM
fsr-3379	92	139	�	�	PROPN
fsr-3379	92	140	r	r	PROPN
fsr-3379	92	141	�	�	PROPN
fsr-3379	92	142	k	k	PROPN
fsr-3379	92	143	�	�	PROPN
fsr-3379	92	144	ya	ya	PROPN
fsr-3379	92	145	�	�	PROPN
fsr-3379	92	146	k	k	PROPN
fsr-3379	92	147	�	�	PROPN
fsr-3379	92	148	1	1	NUM
fsr-3379	92	149	�	�	PROPN
fsr-3379	92	150	ca	ca	PROPN
fsr-3379	92	151	�	�	PROPN
fsr-3379	92	152	k	k	NOUN
fsr-3379	92	153	�	�	PROPN
fsr-3379	92	154	1	1	NUM
fsr-3379	92	155	�	�	PROPN
fsr-3379	92	156	(	(	PUNCT
fsr-3379	92	157	2	2	NUM
fsr-3379	92	158	)	)	PUNCT
fsr-3379	92	159	where	where	SCONJ
fsr-3379	92	160	rwa	rwa	PROPN
fsr-3379	92	161	is	be	AUX
fsr-3379	92	162	retirement	retirement	NOUN
fsr-3379	92	163	wealth	wealth	NOUN
fsr-3379	92	164	at	at	ADP
fsr-3379	92	165	age	age	NOUN
fsr-3379	92	166	a	a	PRON
fsr-3379	92	167	,	,	PUNCT
fsr-3379	92	168	rwa0	rwa0	PROPN
fsr-3379	92	169	is	be	AUX
fsr-3379	92	170	retirement	retirement	NOUN
fsr-3379	92	171	wealth	wealth	NOUN
fsr-3379	92	172	at	at	ADP
fsr-3379	92	173	age	age	NOUN
fsr-3379	92	174	a0	a0	PROPN
fsr-3379	92	175	.	.	PUNCT
fsr-3379	93	1	let	let	VERB
fsr-3379	93	2	’s	’s	NOUN
fsr-3379	93	3	illustrate	illustrate	VERB
fsr-3379	93	4	the	the	DET
fsr-3379	93	5	asset	asset	NOUN
fsr-3379	93	6	evolution	evolution	NOUN
fsr-3379	93	7	equation	equation	NOUN
fsr-3379	93	8	above	above	ADV
fsr-3379	93	9	.	.	PUNCT
fsr-3379	94	1	if	if	SCONJ
fsr-3379	94	2	a	a	DET
fsr-3379	94	3	person	person	NOUN
fsr-3379	94	4	starts	start	VERB
fsr-3379	94	5	working	work	VERB
fsr-3379	94	6	at	at	ADP
fsr-3379	94	7	age	age	NOUN
fsr-3379	94	8	25	25	NUM
fsr-3379	94	9	,	,	PUNCT
fsr-3379	94	10	retirement	retirement	NOUN
fsr-3379	94	11	wealth	wealth	NOUN
fsr-3379	94	12	at	at	ADP
fsr-3379	94	13	the	the	DET
fsr-3379	94	14	beginning	beginning	NOUN
fsr-3379	94	15	of	of	ADP
fsr-3379	94	16	age	age	NOUN
fsr-3379	94	17	60	60	NUM
fsr-3379	94	18	from	from	ADP
fsr-3379	94	19	the	the	DET
fsr-3379	94	20	asset	asset	NOUN
fsr-3379	94	21	evolution	evolution	NOUN
fsr-3379	94	22	equation	equation	NOUN
fsr-3379	94	23	above	above	ADV
fsr-3379	94	24	is	be	AUX
fsr-3379	94	25	the	the	DET
fsr-3379	94	26	sum	sum	NOUN
fsr-3379	94	27	of	of	ADP
fsr-3379	94	28	the	the	DET
fsr-3379	94	29	initial	initial	ADJ
fsr-3379	94	30	wealth	wealth	NOUN
fsr-3379	94	31	at	at	ADP
fsr-3379	94	32	age	age	NOUN
fsr-3379	94	33	25	25	NUM
fsr-3379	94	34	and	and	CCONJ
fsr-3379	94	35	its	its	PRON
fsr-3379	94	36	growth	growth	NOUN
fsr-3379	94	37	for	for	ADP
fsr-3379	94	38	35	35	NUM
fsr-3379	94	39	years	year	NOUN
fsr-3379	94	40	�	�	PROPN
fsr-3379	94	41	�	�	PROPN
fsr-3379	94	42	1	1	NUM
fsr-3379	94	43	�	�	PROPN
fsr-3379	94	44	r	r	NOUN
fsr-3379	94	45	�	�	PROPN
fsr-3379	94	46	60	60	NUM
fsr-3379	94	47	�	�	PROPN
fsr-3379	94	48	25	25	NUM
fsr-3379	94	49	�	�	PROPN
fsr-3379	94	50	rw25	rw25	PROPN
fsr-3379	94	51	�	�	PROPN
fsr-3379	94	52	,	,	PUNCT
fsr-3379	94	53	and	and	CCONJ
fsr-3379	94	54	savings	saving	NOUN
fsr-3379	94	55	each	each	DET
fsr-3379	94	56	year	year	NOUN
fsr-3379	94	57	from	from	ADP
fsr-3379	94	58	age	age	NOUN
fsr-3379	94	59	25	25	NUM
fsr-3379	94	60	to	to	ADP
fsr-3379	94	61	59	59	NUM
fsr-3379	94	62	and	and	CCONJ
fsr-3379	94	63	its	its	PRON
fsr-3379	94	64	growth	growth	NOUN
fsr-3379	94	65	during	during	ADP
fsr-3379	94	66	associated	associated	ADJ
fsr-3379	94	67	numbers	number	NOUN
fsr-3379	94	68	of	of	ADP
fsr-3379	94	69	years	year	NOUN
fsr-3379	94	70	.	.	PUNCT
fsr-3379	95	1	for	for	ADP
fsr-3379	95	2	example	example	NOUN
fsr-3379	95	3	,	,	PUNCT
fsr-3379	95	4	the	the	DET
fsr-3379	95	5	money	money	NOUN
fsr-3379	95	6	saved	save	VERB
fsr-3379	95	7	at	at	ADP
fsr-3379	95	8	age	age	NOUN
fsr-3379	95	9	25	25	NUM
fsr-3379	95	10	is	be	AUX
fsr-3379	95	11	evolved	evolve	VERB
fsr-3379	95	12	to	to	PART
fsr-3379	95	13	�	�	PROPN
fsr-3379	95	14	1	1	NUM
fsr-3379	95	15	�	�	PROPN
fsr-3379	95	16	r	r	NOUN
fsr-3379	95	17	�	�	PROPN
fsr-3379	95	18	34	34	NUM
fsr-3379	95	19	�	�	PROPN
fsr-3379	95	20	y25	y25	PROPN
fsr-3379	95	21	�	�	PROPN
fsr-3379	95	22	c25	c25	PROPN
fsr-3379	95	23	�	�	PROPN
fsr-3379	95	24	,	,	PUNCT
fsr-3379	95	25	and	and	CCONJ
fsr-3379	95	26	the	the	DET
fsr-3379	95	27	money	money	NOUN
fsr-3379	95	28	saved	save	VERB
fsr-3379	95	29	at	at	ADP
fsr-3379	95	30	age	age	NOUN
fsr-3379	95	31	26	26	NUM
fsr-3379	95	32	is	be	AUX
fsr-3379	95	33	evolved	evolve	VERB
fsr-3379	95	34	to	to	PART
fsr-3379	95	35	�	�	PROPN
fsr-3379	95	36	1	1	NUM
fsr-3379	95	37	�	�	PROPN
fsr-3379	95	38	r	r	NOUN
fsr-3379	95	39	�	�	PROPN
fsr-3379	95	40	33	33	NUM
fsr-3379	95	41	�	�	PROPN
fsr-3379	95	42	y26	y26	PROPN
fsr-3379	95	43	�	�	PROPN
fsr-3379	95	44	c26	c26	PROPN
fsr-3379	95	45	�	�	PROPN
fsr-3379	95	46	.	.	PUNCT
fsr-3379	96	1	likewise	likewise	ADV
fsr-3379	96	2	,	,	PUNCT
fsr-3379	96	3	the	the	DET
fsr-3379	96	4	money	money	NOUN
fsr-3379	96	5	saved	save	VERB
fsr-3379	96	6	at	at	ADP
fsr-3379	96	7	age	age	NOUN
fsr-3379	96	8	59	59	NUM
fsr-3379	96	9	is	be	AUX
fsr-3379	96	10	�	�	PROPN
fsr-3379	96	11	1	1	NUM
fsr-3379	96	12	�	�	PROPN
fsr-3379	96	13	r	r	NOUN
fsr-3379	96	14	�	�	PROPN
fsr-3379	96	15	0	0	NUM
fsr-3379	96	16	�	�	PROPN
fsr-3379	96	17	y59	y59	PROPN
fsr-3379	96	18	�	�	PROPN
fsr-3379	96	19	c59	c59	PROPN
fsr-3379	96	20	�	�	PROPN
fsr-3379	96	21	at	at	ADP
fsr-3379	96	22	the	the	DET
fsr-3379	96	23	beginning	beginning	NOUN
fsr-3379	96	24	of	of	ADP
fsr-3379	96	25	age	age	NOUN
fsr-3379	96	26	60	60	NUM
fsr-3379	96	27	.	.	PUNCT
fsr-3379	97	1	all	all	DET
fsr-3379	97	2	other	other	ADJ
fsr-3379	97	3	things	thing	NOUN
fsr-3379	97	4	being	be	AUX
fsr-3379	97	5	constant	constant	ADJ
fsr-3379	97	6	(	(	PUNCT
fsr-3379	97	7	e.g.	e.g.	ADJ
fsr-3379	97	8	,	,	PUNCT
fsr-3379	97	9	current	current	ADJ
fsr-3379	97	10	or	or	CCONJ
fsr-3379	97	11	retirement	retirement	NOUN
fsr-3379	97	12	age	age	NOUN
fsr-3379	97	13	(	(	PUNCT
fsr-3379	97	14	a	a	NOUN
fsr-3379	97	15	)	)	PUNCT
fsr-3379	97	16	and	and	CCONJ
fsr-3379	97	17	(	(	PUNCT
fsr-3379	97	18	y	y	PROPN
fsr-3379	97	19	�	�	PROPN
fsr-3379	97	20	c	c	PROPN
fsr-3379	97	21	)	)	PUNCT
fsr-3379	97	22	)	)	PUNCT
fsr-3379	97	23	,	,	PUNCT
fsr-3379	97	24	their	their	PRON
fsr-3379	97	25	starting	start	VERB
fsr-3379	97	26	age	age	NOUN
fsr-3379	97	27	(	(	PUNCT
fsr-3379	97	28	a0	a0	PROPN
fsr-3379	97	29	)	)	PUNCT
fsr-3379	97	30	at	at	ADP
fsr-3379	97	31	which	which	PRON
fsr-3379	97	32	first	first	ADV
fsr-3379	97	33	employed	employ	VERB
fsr-3379	97	34	is	be	AUX
fsr-3379	97	35	a	a	DET
fsr-3379	97	36	major	major	ADJ
fsr-3379	97	37	determinant	determinant	NOUN
fsr-3379	97	38	of	of	ADP
fsr-3379	97	39	retirement	retirement	NOUN
fsr-3379	97	40	wealth	wealth	NOUN
fsr-3379	97	41	,	,	PUNCT
fsr-3379	97	42	and	and	CCONJ
fsr-3379	97	43	the	the	DET
fsr-3379	97	44	levels	level	NOUN
fsr-3379	97	45	of	of	ADP
fsr-3379	97	46	retirement	retirement	NOUN
fsr-3379	97	47	savings	saving	NOUN
fsr-3379	97	48	at	at	ADP
fsr-3379	97	49	current	current	ADJ
fsr-3379	97	50	ages	age	NOUN
fsr-3379	97	51	are	be	AUX
fsr-3379	97	52	lower	low	ADJ
fsr-3379	97	53	as	as	ADP
fsr-3379	97	54	age	age	NOUN
fsr-3379	97	55	when	when	SCONJ
fsr-3379	97	56	first	first	ADV
fsr-3379	97	57	employed	employ	VERB
fsr-3379	97	58	is	be	AUX
fsr-3379	97	59	higher	high	ADJ
fsr-3379	97	60	.	.	PUNCT
fsr-3379	98	1	4	4	X
fsr-3379	98	2	.	.	X
fsr-3379	98	3	method	method	PROPN
fsr-3379	98	4	4.1	4.1	NUM
fsr-3379	98	5	.	.	PUNCT
fsr-3379	99	1	empirical	empirical	ADJ
fsr-3379	99	2	model	model	NOUN
fsr-3379	99	3	based	base	VERB
fsr-3379	99	4	on	on	ADP
fsr-3379	99	5	the	the	DET
fsr-3379	99	6	eq	eq	NOUN
fsr-3379	99	7	.	.	PUNCT
fsr-3379	100	1	(	(	PUNCT
fsr-3379	100	2	2	2	NUM
fsr-3379	100	3	)	)	PUNCT
fsr-3379	100	4	,	,	PUNCT
fsr-3379	100	5	retirement	retirement	NOUN
fsr-3379	100	6	savings	saving	NOUN
fsr-3379	100	7	are	be	AUX
fsr-3379	100	8	theoretically	theoretically	ADV
fsr-3379	100	9	calculated	calculate	VERB
fsr-3379	100	10	from	from	ADP
fsr-3379	100	11	the	the	DET
fsr-3379	100	12	initial	initial	ADJ
fsr-3379	100	13	wealth	wealth	NOUN
fsr-3379	100	14	(	(	PUNCT
fsr-3379	100	15	rwa0	rwa0	PROPN
fsr-3379	100	16	)	)	PUNCT
fsr-3379	100	17	,	,	PUNCT
fsr-3379	100	18	yearly	yearly	ADJ
fsr-3379	100	19	contributions	contribution	NOUN
fsr-3379	100	20	to	to	ADP
fsr-3379	100	21	savings	saving	NOUN
fsr-3379	100	22	(	(	PUNCT
fsr-3379	100	23	y	y	PROPN
fsr-3379	100	24	�	�	PROPN
fsr-3379	100	25	c	c	PROPN
fsr-3379	100	26	)	)	PUNCT
fsr-3379	100	27	,	,	PUNCT
fsr-3379	100	28	current	current	ADJ
fsr-3379	100	29	or	or	CCONJ
fsr-3379	100	30	retirement	retirement	NOUN
fsr-3379	100	31	age	age	NOUN
fsr-3379	100	32	(	(	PUNCT
fsr-3379	100	33	a	a	X
fsr-3379	100	34	)	)	PUNCT
fsr-3379	100	35	,	,	PUNCT
fsr-3379	100	36	age	age	NOUN
fsr-3379	100	37	when	when	SCONJ
fsr-3379	100	38	first	first	ADJ
fsr-3379	100	39	33h	33h	NUM
fsr-3379	100	40	.	.	PUNCT
fsr-3379	101	1	kim	kim	PROPN
fsr-3379	101	2	et	et	PROPN
fsr-3379	101	3	al	al	PROPN
fsr-3379	101	4	.	.	PUNCT
fsr-3379	101	5	/	/	SYM
fsr-3379	101	6	financial	financial	ADJ
fsr-3379	101	7	services	service	NOUN
fsr-3379	101	8	review	review	VERB
fsr-3379	101	9	27	27	NUM
fsr-3379	101	10	(	(	PUNCT
fsr-3379	101	11	2018	2018	NUM
fsr-3379	101	12	)	)	PUNCT
fsr-3379	101	13	29	29	NUM
fsr-3379	101	14	-	-	SYM
fsr-3379	101	15	45	45	NUM
fsr-3379	101	16	employed	employ	VERB
fsr-3379	101	17	(	(	PUNCT
fsr-3379	101	18	a0	a0	NOUN
fsr-3379	101	19	)	)	PUNCT
fsr-3379	101	20	,	,	PUNCT
fsr-3379	101	21	and	and	CCONJ
fsr-3379	101	22	investment	investment	NOUN
fsr-3379	101	23	returns	return	NOUN
fsr-3379	101	24	(	(	PUNCT
fsr-3379	101	25	r	r	NOUN
fsr-3379	101	26	)	)	PUNCT
fsr-3379	101	27	.	.	PUNCT
fsr-3379	102	1	empirically	empirically	ADV
fsr-3379	102	2	,	,	PUNCT
fsr-3379	102	3	however	however	ADV
fsr-3379	102	4	,	,	PUNCT
fsr-3379	102	5	the	the	DET
fsr-3379	102	6	initial	initial	ADJ
fsr-3379	102	7	wealth	wealth	NOUN
fsr-3379	102	8	(	(	PUNCT
fsr-3379	102	9	rwa0	rwa0	PROPN
fsr-3379	102	10	)	)	PUNCT
fsr-3379	102	11	,	,	PUNCT
fsr-3379	102	12	yearly	yearly	ADJ
fsr-3379	102	13	contributions	contribution	NOUN
fsr-3379	102	14	to	to	ADP
fsr-3379	102	15	savings	saving	NOUN
fsr-3379	102	16	(	(	PUNCT
fsr-3379	102	17	y	y	PROPN
fsr-3379	102	18	�	�	PROPN
fsr-3379	102	19	c	c	AUX
fsr-3379	102	20	)	)	PUNCT
fsr-3379	102	21	are	be	AUX
fsr-3379	102	22	barely	barely	ADV
fsr-3379	102	23	available	available	ADJ
fsr-3379	102	24	from	from	ADP
fsr-3379	102	25	general	general	ADJ
fsr-3379	102	26	survey	survey	NOUN
fsr-3379	102	27	data	datum	NOUN
fsr-3379	102	28	sets	set	NOUN
fsr-3379	102	29	including	include	VERB
fsr-3379	102	30	hrs	hrs	NOUN
fsr-3379	102	31	data	datum	NOUN
fsr-3379	102	32	.	.	PUNCT
fsr-3379	103	1	thus	thus	ADV
fsr-3379	103	2	,	,	PUNCT
fsr-3379	103	3	we	we	PRON
fsr-3379	103	4	substitute	substitute	VERB
fsr-3379	103	5	those	those	DET
fsr-3379	103	6	theoretical	theoretical	ADJ
fsr-3379	103	7	concepts	concept	NOUN
fsr-3379	103	8	with	with	ADP
fsr-3379	103	9	more	more	ADJ
fsr-3379	103	10	tangible	tangible	ADJ
fsr-3379	103	11	measurements	measurement	NOUN
fsr-3379	103	12	using	use	VERB
fsr-3379	103	13	related	related	ADJ
fsr-3379	103	14	variables	variable	NOUN
fsr-3379	103	15	and	and	CCONJ
fsr-3379	103	16	proxies	proxy	NOUN
fsr-3379	103	17	.	.	PUNCT
fsr-3379	104	1	rwa	rwa	PROPN
fsr-3379	104	2	�	�	PROPN
fsr-3379	104	3	�	�	PROPN
fsr-3379	104	4	�	�	PROPN
fsr-3379	104	5	�	�	PROPN
fsr-3379	104	6	1	1	NUM
fsr-3379	104	7	a0	a0	PROPN
fsr-3379	104	8	�	�	PROPN
fsr-3379	104	9	�	�	PROPN
fsr-3379	104	10	2	2	NUM
fsr-3379	104	11	l	l	NOUN
fsr-3379	104	12	�	�	PROPN
fsr-3379	104	13	x	x	SYM
fsr-3379	104	14	�	�	PROPN
fsr-3379	104	15	�	�	PROPN
fsr-3379	104	16	�	�	PROPN
fsr-3379	104	17	(	(	PUNCT
fsr-3379	104	18	3	3	NUM
fsr-3379	104	19	)	)	PUNCT
fsr-3379	104	20	where	where	SCONJ
fsr-3379	104	21	rwa	rwa	PROPN
fsr-3379	104	22	is	be	AUX
fsr-3379	104	23	retirement	retirement	NOUN
fsr-3379	104	24	wealth	wealth	NOUN
fsr-3379	104	25	at	at	ADP
fsr-3379	104	26	current	current	ADJ
fsr-3379	104	27	age	age	NOUN
fsr-3379	104	28	a	a	PRON
fsr-3379	104	29	,	,	PUNCT
fsr-3379	104	30	a0	a0	PROPN
fsr-3379	104	31	is	be	AUX
fsr-3379	104	32	age	age	NOUN
fsr-3379	104	33	when	when	SCONJ
fsr-3379	104	34	first	first	ADV
fsr-3379	104	35	employed	employ	VERB
fsr-3379	104	36	,	,	PUNCT
fsr-3379	104	37	which	which	PRON
fsr-3379	104	38	is	be	AUX
fsr-3379	104	39	the	the	DET
fsr-3379	104	40	main	main	ADJ
fsr-3379	104	41	interest	interest	NOUN
fsr-3379	104	42	of	of	ADP
fsr-3379	104	43	this	this	DET
fsr-3379	104	44	study	study	NOUN
fsr-3379	104	45	.	.	PUNCT
fsr-3379	105	1	l	l	NOUN
fsr-3379	105	2	is	be	AUX
fsr-3379	105	3	the	the	DET
fsr-3379	105	4	number	number	NOUN
fsr-3379	105	5	of	of	ADP
fsr-3379	105	6	working	working	ADJ
fsr-3379	105	7	years	year	NOUN
fsr-3379	105	8	at	at	ADP
fsr-3379	105	9	age	age	NOUN
fsr-3379	105	10	a	a	NOUN
fsr-3379	105	11	,	,	PUNCT
fsr-3379	105	12	which	which	PRON
fsr-3379	105	13	also	also	ADV
fsr-3379	105	14	represents	represent	VERB
fsr-3379	105	15	the	the	DET
fsr-3379	105	16	number	number	NOUN
fsr-3379	105	17	of	of	ADP
fsr-3379	105	18	years	year	NOUN
fsr-3379	105	19	to	to	PART
fsr-3379	105	20	save	save	VERB
fsr-3379	105	21	for	for	ADP
fsr-3379	105	22	retirement	retirement	NOUN
fsr-3379	105	23	from	from	ADP
fsr-3379	105	24	eq	eq	PROPN
fsr-3379	105	25	.	.	PUNCT
fsr-3379	106	1	(	(	PUNCT
fsr-3379	106	2	2	2	NUM
fsr-3379	106	3	)	)	PUNCT
fsr-3379	106	4	.	.	PUNCT
fsr-3379	107	1	for	for	ADP
fsr-3379	107	2	the	the	DET
fsr-3379	107	3	initial	initial	ADJ
fsr-3379	107	4	wealth	wealth	NOUN
fsr-3379	107	5	(	(	PUNCT
fsr-3379	107	6	rwa0	rwa0	PROPN
fsr-3379	107	7	)	)	PUNCT
fsr-3379	107	8	,	,	PUNCT
fsr-3379	107	9	we	we	PRON
fsr-3379	107	10	may	may	AUX
fsr-3379	107	11	assume	assume	VERB
fsr-3379	107	12	most	most	ADJ
fsr-3379	107	13	people	people	NOUN
fsr-3379	107	14	do	do	AUX
fsr-3379	107	15	not	not	PART
fsr-3379	107	16	have	have	VERB
fsr-3379	107	17	any	any	DET
fsr-3379	107	18	retirement	retirement	NOUN
fsr-3379	107	19	savings	saving	NOUN
fsr-3379	107	20	when	when	SCONJ
fsr-3379	107	21	they	they	PRON
fsr-3379	107	22	have	have	VERB
fsr-3379	107	23	a	a	DET
fsr-3379	107	24	first	first	ADJ
fsr-3379	107	25	job	job	NOUN
fsr-3379	107	26	after	after	ADP
fsr-3379	107	27	high	high	ADJ
fsr-3379	107	28	school	school	NOUN
fsr-3379	107	29	and	and	CCONJ
fsr-3379	107	30	college	college	NOUN
fsr-3379	107	31	.	.	PUNCT
fsr-3379	108	1	x	x	PRON
fsr-3379	108	2	is	be	AUX
fsr-3379	108	3	a	a	DET
fsr-3379	108	4	set	set	NOUN
fsr-3379	108	5	of	of	ADP
fsr-3379	108	6	other	other	ADJ
fsr-3379	108	7	control	control	NOUN
fsr-3379	108	8	variables	variable	NOUN
fsr-3379	108	9	including	include	VERB
fsr-3379	108	10	demographic	demographic	ADJ
fsr-3379	108	11	characteristics	characteristic	NOUN
fsr-3379	108	12	and	and	CCONJ
fsr-3379	108	13	occupation	occupation	NOUN
fsr-3379	108	14	information	information	NOUN
fsr-3379	108	15	,	,	PUNCT
fsr-3379	108	16	which	which	PRON
fsr-3379	108	17	are	be	AUX
fsr-3379	108	18	assumed	assume	VERB
fsr-3379	108	19	to	to	PART
fsr-3379	108	20	be	be	AUX
fsr-3379	108	21	major	major	ADJ
fsr-3379	108	22	influential	influential	ADJ
fsr-3379	108	23	factors	factor	NOUN
fsr-3379	108	24	on	on	ADP
fsr-3379	108	25	individual	individual	PROPN
fsr-3379	108	26	’s	’s	PART
fsr-3379	108	27	contributions	contribution	NOUN
fsr-3379	108	28	to	to	ADP
fsr-3379	108	29	savings	saving	NOUN
fsr-3379	108	30	(	(	PUNCT
fsr-3379	108	31	y	y	PROPN
fsr-3379	108	32	�	�	PROPN
fsr-3379	108	33	c	c	PROPN
fsr-3379	108	34	)	)	PUNCT
fsr-3379	108	35	.	.	PUNCT
fsr-3379	109	1	in	in	ADP
fsr-3379	109	2	this	this	DET
fsr-3379	109	3	empirical	empirical	ADJ
fsr-3379	109	4	model	model	NOUN
fsr-3379	109	5	,	,	PUNCT
fsr-3379	109	6	�	�	PROPN
fsr-3379	109	7	1	1	NUM
fsr-3379	109	8	�	�	PROPN
fsr-3379	109	9	0	0	NUM
fsr-3379	109	10	indicates	indicate	VERB
fsr-3379	109	11	that	that	SCONJ
fsr-3379	109	12	an	an	DET
fsr-3379	109	13	older	old	ADJ
fsr-3379	109	14	age	age	NOUN
fsr-3379	109	15	when	when	SCONJ
fsr-3379	109	16	first	first	ADV
fsr-3379	109	17	employed	employ	VERB
fsr-3379	109	18	is	be	AUX
fsr-3379	109	19	related	relate	VERB
fsr-3379	109	20	to	to	PART
fsr-3379	109	21	lower	lower	VERB
fsr-3379	109	22	retirement	retirement	NOUN
fsr-3379	109	23	wealth	wealth	NOUN
fsr-3379	109	24	.	.	PUNCT
fsr-3379	110	1	4.2	4.2	NUM
fsr-3379	110	2	.	.	PUNCT
fsr-3379	110	3	data	datum	NOUN
fsr-3379	110	4	in	in	ADP
fsr-3379	110	5	this	this	DET
fsr-3379	110	6	study	study	NOUN
fsr-3379	110	7	,	,	PUNCT
fsr-3379	110	8	the	the	DET
fsr-3379	110	9	2014	2014	NUM
fsr-3379	110	10	health	health	NOUN
fsr-3379	110	11	and	and	CCONJ
fsr-3379	110	12	retirement	retirement	NOUN
fsr-3379	110	13	study	study	NOUN
fsr-3379	110	14	(	(	PUNCT
fsr-3379	110	15	hrs	hrs	NOUN
fsr-3379	110	16	)	)	PUNCT
fsr-3379	110	17	is	be	AUX
fsr-3379	110	18	used	use	VERB
fsr-3379	110	19	.	.	PUNCT
fsr-3379	111	1	the	the	DET
fsr-3379	111	2	hrs	hrs	NOUN
fsr-3379	111	3	is	be	AUX
fsr-3379	111	4	a	a	DET
fsr-3379	111	5	representative	representative	ADJ
fsr-3379	111	6	sample	sample	NOUN
fsr-3379	111	7	of	of	ADP
fsr-3379	111	8	middle	middle	NOUN
fsr-3379	111	9	-	-	PUNCT
fsr-3379	111	10	aged	aged	ADJ
fsr-3379	111	11	and	and	CCONJ
fsr-3379	111	12	older	old	ADJ
fsr-3379	111	13	americans	american	NOUN
fsr-3379	111	14	with	with	ADP
fsr-3379	111	15	age	age	NOUN
fsr-3379	111	16	50	50	NUM
fsr-3379	111	17	or	or	CCONJ
fsr-3379	111	18	older	old	ADJ
fsr-3379	111	19	sponsored	sponsor	VERB
fsr-3379	111	20	by	by	ADP
fsr-3379	111	21	the	the	DET
fsr-3379	111	22	national	national	PROPN
fsr-3379	111	23	institute	institute	PROPN
fsr-3379	111	24	on	on	ADP
fsr-3379	111	25	aging	age	VERB
fsr-3379	111	26	(	(	PUNCT
fsr-3379	111	27	nia	nia	PROPN
fsr-3379	111	28	)	)	PUNCT
fsr-3379	111	29	.	.	PUNCT
fsr-3379	112	1	the	the	DET
fsr-3379	112	2	hrs	hrs	NOUN
fsr-3379	112	3	provides	provide	VERB
fsr-3379	112	4	comprehensive	comprehensive	ADJ
fsr-3379	112	5	information	information	NOUN
fsr-3379	112	6	about	about	ADP
fsr-3379	112	7	the	the	DET
fsr-3379	112	8	work	work	NOUN
fsr-3379	112	9	history	history	NOUN
fsr-3379	112	10	and	and	CCONJ
fsr-3379	112	11	financial	financial	ADJ
fsr-3379	112	12	status	status	NOUN
fsr-3379	112	13	such	such	ADJ
fsr-3379	112	14	as	as	ADP
fsr-3379	112	15	levels	level	NOUN
fsr-3379	112	16	of	of	ADP
fsr-3379	112	17	income	income	NOUN
fsr-3379	112	18	or	or	CCONJ
fsr-3379	112	19	current	current	ADJ
fsr-3379	112	20	retirement	retirement	NOUN
fsr-3379	112	21	wealth	wealth	NOUN
fsr-3379	112	22	.	.	PUNCT
fsr-3379	113	1	the	the	DET
fsr-3379	113	2	2014	2014	NUM
fsr-3379	113	3	hrs	hrs	NOUN
fsr-3379	113	4	interviewed	interview	VERB
fsr-3379	113	5	18,748	18,748	NUM
fsr-3379	113	6	respondents	respondent	NOUN
fsr-3379	113	7	who	who	PRON
fsr-3379	113	8	were	be	AUX
fsr-3379	113	9	born	bear	VERB
fsr-3379	113	10	before	before	ADP
fsr-3379	113	11	1961	1961	NUM
fsr-3379	113	12	.	.	PUNCT
fsr-3379	114	1	for	for	ADP
fsr-3379	114	2	the	the	DET
fsr-3379	114	3	study	study	NOUN
fsr-3379	114	4	purpose	purpose	NOUN
fsr-3379	114	5	described	describe	VERB
fsr-3379	114	6	above	above	ADV
fsr-3379	114	7	,	,	PUNCT
fsr-3379	114	8	the	the	DET
fsr-3379	114	9	sample	sample	NOUN
fsr-3379	114	10	was	be	AUX
fsr-3379	114	11	restricted	restrict	VERB
fsr-3379	114	12	to	to	ADP
fsr-3379	114	13	respondents	respondent	NOUN
fsr-3379	114	14	who	who	PRON
fsr-3379	114	15	belong	belong	VERB
fsr-3379	114	16	to	to	ADP
fsr-3379	114	17	the	the	DET
fsr-3379	114	18	baby	baby	NOUN
fsr-3379	114	19	boomer	boomer	NOUN
fsr-3379	114	20	generation	generation	NOUN
fsr-3379	114	21	(	(	PUNCT
fsr-3379	114	22	born	bear	VERB
fsr-3379	114	23	in	in	ADP
fsr-3379	114	24	1948	1948	NUM
fsr-3379	114	25	to	to	ADP
fsr-3379	114	26	1959	1959	NUM
fsr-3379	114	27	)	)	PUNCT
fsr-3379	114	28	based	base	VERB
fsr-3379	114	29	on	on	ADP
fsr-3379	114	30	the	the	DET
fsr-3379	114	31	hrs	hrs	NOUN
fsr-3379	114	32	classification	classification	NOUN
fsr-3379	114	33	.	.	PUNCT
fsr-3379	115	1	among	among	ADP
fsr-3379	115	2	the	the	DET
fsr-3379	115	3	18,748	18,748	NUM
fsr-3379	115	4	respondents	respondent	NOUN
fsr-3379	115	5	,	,	PUNCT
fsr-3379	115	6	identified	identify	VERB
fsr-3379	115	7	baby	baby	NOUN
fsr-3379	115	8	boomers	boomer	NOUN
fsr-3379	115	9	were	be	AUX
fsr-3379	115	10	8,002	8,002	NUM
fsr-3379	115	11	of	of	ADP
fsr-3379	115	12	which	which	PRON
fsr-3379	115	13	6,772	6,772	NUM
fsr-3379	115	14	provided	provide	VERB
fsr-3379	115	15	the	the	DET
fsr-3379	115	16	information	information	NOUN
fsr-3379	115	17	about	about	ADP
fsr-3379	115	18	their	their	PRON
fsr-3379	115	19	age	age	NOUN
fsr-3379	115	20	when	when	SCONJ
fsr-3379	115	21	first	first	ADV
fsr-3379	115	22	employed	employ	VERB
fsr-3379	115	23	.	.	PUNCT
fsr-3379	116	1	we	we	PRON
fsr-3379	116	2	further	far	ADV
fsr-3379	116	3	consider	consider	VERB
fsr-3379	116	4	two	two	NUM
fsr-3379	116	5	criteria	criterion	NOUN
fsr-3379	116	6	in	in	ADP
fsr-3379	116	7	constructing	construct	VERB
fsr-3379	116	8	the	the	DET
fsr-3379	116	9	final	final	ADJ
fsr-3379	116	10	analysis	analysis	NOUN
fsr-3379	116	11	samples	sample	NOUN
fsr-3379	116	12	:	:	PUNCT
fsr-3379	116	13	educational	educational	ADJ
fsr-3379	116	14	attainment	attainment	NOUN
fsr-3379	116	15	and	and	CCONJ
fsr-3379	116	16	associated	associate	VERB
fsr-3379	116	17	age	age	NOUN
fsr-3379	116	18	when	when	SCONJ
fsr-3379	116	19	first	first	ADV
fsr-3379	116	20	employed	employ	VERB
fsr-3379	116	21	.	.	PUNCT
fsr-3379	117	1	lifetime	lifetime	NOUN
fsr-3379	117	2	earnings	earning	NOUN
fsr-3379	117	3	have	have	AUX
fsr-3379	117	4	significantly	significantly	ADV
fsr-3379	117	5	differed	differ	VERB
fsr-3379	117	6	by	by	ADP
fsr-3379	117	7	high	high	ADJ
fsr-3379	117	8	school	school	NOUN
fsr-3379	117	9	graduates	graduate	NOUN
fsr-3379	117	10	and	and	CCONJ
fsr-3379	117	11	college	college	NOUN
fsr-3379	117	12	graduates	graduate	NOUN
fsr-3379	117	13	,	,	PUNCT
fsr-3379	117	14	which	which	PRON
fsr-3379	117	15	are	be	AUX
fsr-3379	117	16	not	not	PART
fsr-3379	117	17	homogenous	homogenous	ADJ
fsr-3379	117	18	.	.	PUNCT
fsr-3379	118	1	potential	potential	ADJ
fsr-3379	118	2	confounding	confound	VERB
fsr-3379	118	3	effects	effect	NOUN
fsr-3379	118	4	also	also	ADV
fsr-3379	118	5	arise	arise	VERB
fsr-3379	118	6	from	from	ADP
fsr-3379	118	7	respondents	respondent	NOUN
fsr-3379	118	8	with	with	ADP
fsr-3379	118	9	unconventional	unconventional	ADJ
fsr-3379	118	10	life	life	NOUN
fsr-3379	118	11	transitions	transition	NOUN
fsr-3379	118	12	(	(	PUNCT
fsr-3379	118	13	e.g.	e.g.	ADV
fsr-3379	118	14	,	,	PUNCT
fsr-3379	118	15	first	first	ADV
fsr-3379	118	16	employed	employ	VERB
fsr-3379	118	17	at	at	ADP
fsr-3379	118	18	age	age	NOUN
fsr-3379	118	19	16	16	NUM
fsr-3379	118	20	and	and	CCONJ
fsr-3379	118	21	graduated	graduate	VERB
fsr-3379	118	22	college	college	NOUN
fsr-3379	118	23	at	at	ADP
fsr-3379	118	24	age	age	NOUN
fsr-3379	118	25	30	30	NUM
fsr-3379	118	26	)	)	PUNCT
fsr-3379	118	27	.	.	PUNCT
fsr-3379	119	1	to	to	PART
fsr-3379	119	2	mitigate	mitigate	VERB
fsr-3379	119	3	effects	effect	NOUN
fsr-3379	119	4	from	from	ADP
fsr-3379	119	5	educational	educational	ADJ
fsr-3379	119	6	differences	difference	NOUN
fsr-3379	119	7	and	and	CCONJ
fsr-3379	119	8	unconventional	unconventional	ADJ
fsr-3379	119	9	life	life	NOUN
fsr-3379	119	10	transitions	transition	NOUN
fsr-3379	119	11	,	,	PUNCT
fsr-3379	119	12	we	we	PRON
fsr-3379	119	13	focus	focus	VERB
fsr-3379	119	14	on	on	ADP
fsr-3379	119	15	the	the	DET
fsr-3379	119	16	respondents	respondent	NOUN
fsr-3379	119	17	who	who	PRON
fsr-3379	119	18	followed	follow	VERB
fsr-3379	119	19	relatively	relatively	ADV
fsr-3379	119	20	normative	normative	ADJ
fsr-3379	119	21	education	education	NOUN
fsr-3379	119	22	to	to	ADP
fsr-3379	119	23	employment	employment	NOUN
fsr-3379	119	24	transitions	transition	NOUN
fsr-3379	119	25	.	.	PUNCT
fsr-3379	120	1	these	these	DET
fsr-3379	120	2	respondents	respondent	NOUN
fsr-3379	120	3	are	be	AUX
fsr-3379	120	4	characterized	characterize	VERB
fsr-3379	120	5	into	into	ADP
fsr-3379	120	6	two	two	NUM
fsr-3379	120	7	subgroups	subgroup	NOUN
fsr-3379	120	8	:	:	PUNCT
fsr-3379	120	9	(	(	PUNCT
fsr-3379	120	10	1	1	X
fsr-3379	120	11	)	)	PUNCT
fsr-3379	120	12	high	high	ADJ
fsr-3379	120	13	school	school	NOUN
fsr-3379	120	14	graduate	graduate	NOUN
fsr-3379	120	15	and	and	CCONJ
fsr-3379	120	16	age	age	NOUN
fsr-3379	120	17	18	18	NUM
fsr-3379	120	18	or	or	CCONJ
fsr-3379	120	19	older	old	ADJ
fsr-3379	120	20	when	when	SCONJ
fsr-3379	120	21	first	first	ADV
fsr-3379	120	22	employed	employ	VERB
fsr-3379	120	23	,	,	PUNCT
fsr-3379	120	24	(	(	PUNCT
fsr-3379	120	25	2	2	X
fsr-3379	120	26	)	)	PUNCT
fsr-3379	120	27	college	college	NOUN
fsr-3379	120	28	graduate	graduate	NOUN
fsr-3379	120	29	�	�	PROPN
fsr-3379	120	30	and	and	CCONJ
fsr-3379	120	31	age	age	NOUN
fsr-3379	120	32	22	22	NUM
fsr-3379	120	33	or	or	CCONJ
fsr-3379	120	34	older	old	ADJ
fsr-3379	120	35	when	when	SCONJ
fsr-3379	120	36	first	first	ADV
fsr-3379	120	37	employed	employ	VERB
fsr-3379	120	38	.	.	PUNCT
fsr-3379	121	1	accordingly	accordingly	ADV
fsr-3379	121	2	,	,	PUNCT
fsr-3379	121	3	we	we	PRON
fsr-3379	121	4	construct	construct	VERB
fsr-3379	121	5	two	two	NUM
fsr-3379	121	6	subsample	subsample	ADJ
fsr-3379	121	7	sets	set	NOUN
fsr-3379	121	8	for	for	ADP
fsr-3379	121	9	our	our	PRON
fsr-3379	121	10	analysis	analysis	NOUN
fsr-3379	121	11	.	.	PUNCT
fsr-3379	122	1	of	of	ADP
fsr-3379	122	2	the	the	DET
fsr-3379	122	3	6,772	6,772	NUM
fsr-3379	122	4	respondents	respondent	NOUN
fsr-3379	122	5	who	who	PRON
fsr-3379	122	6	were	be	AUX
fsr-3379	122	7	baby	baby	NOUN
fsr-3379	122	8	boomers	boomer	NOUN
fsr-3379	122	9	and	and	CCONJ
fsr-3379	122	10	provided	provide	VERB
fsr-3379	122	11	age	age	NOUN
fsr-3379	122	12	when	when	SCONJ
fsr-3379	122	13	first	first	ADV
fsr-3379	122	14	employed	employ	VERB
fsr-3379	122	15	,	,	PUNCT
fsr-3379	122	16	3,923	3,923	NUM
fsr-3379	122	17	had	have	VERB
fsr-3379	122	18	educational	educational	ADJ
fsr-3379	122	19	attainment	attainment	NOUN
fsr-3379	122	20	with	with	ADP
fsr-3379	122	21	high	high	ADJ
fsr-3379	122	22	school	school	NOUN
fsr-3379	122	23	or	or	CCONJ
fsr-3379	122	24	more	more	ADJ
fsr-3379	122	25	and	and	CCONJ
fsr-3379	122	26	were	be	AUX
fsr-3379	122	27	first	first	ADV
fsr-3379	122	28	employed	employ	VERB
fsr-3379	122	29	at	at	ADP
fsr-3379	122	30	age	age	NOUN
fsr-3379	122	31	18	18	NUM
fsr-3379	122	32	or	or	CCONJ
fsr-3379	122	33	older	old	ADJ
fsr-3379	122	34	up	up	ADP
fsr-3379	122	35	to	to	ADP
fsr-3379	122	36	age	age	NOUN
fsr-3379	122	37	35	35	NUM
fsr-3379	122	38	.	.	PUNCT
fsr-3379	123	1	from	from	ADP
fsr-3379	123	2	the	the	DET
fsr-3379	123	3	3,923	3,923	NUM
fsr-3379	123	4	respondents	respondent	NOUN
fsr-3379	123	5	,	,	PUNCT
fsr-3379	123	6	our	our	PRON
fsr-3379	123	7	two	two	NUM
fsr-3379	123	8	final	final	ADJ
fsr-3379	123	9	subsamples	subsample	NOUN
fsr-3379	123	10	include	include	VERB
fsr-3379	123	11	:	:	PUNCT
fsr-3379	123	12	(	(	PUNCT
fsr-3379	123	13	1	1	X
fsr-3379	123	14	)	)	PUNCT
fsr-3379	123	15	high	high	ADJ
fsr-3379	123	16	school	school	NOUN
fsr-3379	123	17	graduates	graduate	NOUN
fsr-3379	123	18	and	and	CCONJ
fsr-3379	123	19	age	age	NOUN
fsr-3379	123	20	18	18	NUM
fsr-3379	123	21	or	or	CCONJ
fsr-3379	123	22	older	old	ADJ
fsr-3379	123	23	when	when	SCONJ
fsr-3379	123	24	first	first	ADV
fsr-3379	123	25	employed	employ	VERB
fsr-3379	123	26	(	(	PUNCT
fsr-3379	123	27	n	n	X
fsr-3379	123	28	�	�	PROPN
fsr-3379	123	29	2,211	2,211	NUM
fsr-3379	123	30	)	)	PUNCT
fsr-3379	123	31	and	and	CCONJ
fsr-3379	123	32	(	(	PUNCT
fsr-3379	123	33	2	2	X
fsr-3379	123	34	)	)	PUNCT
fsr-3379	123	35	college	college	NOUN
fsr-3379	123	36	or	or	CCONJ
fsr-3379	123	37	more	more	ADJ
fsr-3379	123	38	and	and	CCONJ
fsr-3379	123	39	age	age	NOUN
fsr-3379	123	40	22	22	NUM
fsr-3379	123	41	or	or	CCONJ
fsr-3379	123	42	older	old	ADJ
fsr-3379	123	43	when	when	SCONJ
fsr-3379	123	44	first	first	ADV
fsr-3379	123	45	employed	employ	VERB
fsr-3379	123	46	(	(	PUNCT
fsr-3379	123	47	n	n	X
fsr-3379	123	48	�	�	PROPN
fsr-3379	123	49	883	883	NUM
fsr-3379	123	50	)	)	PUNCT
fsr-3379	123	51	.	.	PUNCT
fsr-3379	124	1	for	for	ADP
fsr-3379	124	2	the	the	DET
fsr-3379	124	3	college	college	NOUN
fsr-3379	124	4	or	or	CCONJ
fsr-3379	124	5	more	more	ADJ
fsr-3379	124	6	graduates	graduate	NOUN
fsr-3379	124	7	,	,	PUNCT
fsr-3379	124	8	age	age	NOUN
fsr-3379	124	9	22	22	NUM
fsr-3379	124	10	was	be	AUX
fsr-3379	124	11	based	base	VERB
fsr-3379	124	12	on	on	ADP
fsr-3379	124	13	the	the	DET
fsr-3379	124	14	average	average	ADJ
fsr-3379	124	15	or	or	CCONJ
fsr-3379	124	16	median	median	ADJ
fsr-3379	124	17	age	age	NOUN
fsr-3379	124	18	of	of	ADP
fsr-3379	124	19	current	current	ADJ
fsr-3379	124	20	and	and	CCONJ
fsr-3379	124	21	past	past	ADJ
fsr-3379	124	22	college	college	NOUN
fsr-3379	124	23	graduation	graduation	NOUN
fsr-3379	124	24	according	accord	VERB
fsr-3379	124	25	to	to	ADP
fsr-3379	124	26	the	the	DET
fsr-3379	124	27	u.s	u.s	PROPN
fsr-3379	124	28	.	.	PROPN
fsr-3379	124	29	census	census	PROPN
fsr-3379	124	30	bureau	bureau	PROPN
fsr-3379	124	31	:	:	PUNCT
fsr-3379	124	32	currently	currently	ADV
fsr-3379	124	33	about	about	ADV
fsr-3379	124	34	60	60	NUM
fsr-3379	124	35	%	%	NOUN
fsr-3379	124	36	of	of	ADP
fsr-3379	124	37	college	college	NOUN
fsr-3379	124	38	graduates	graduate	NOUN
fsr-3379	124	39	were	be	AUX
fsr-3379	124	40	ages	age	NOUN
fsr-3379	124	41	22	22	NUM
fsr-3379	124	42	to	to	ADP
fsr-3379	124	43	23	23	NUM
fsr-3379	124	44	when	when	SCONJ
fsr-3379	124	45	graduating	graduate	VERB
fsr-3379	124	46	34	34	NUM
fsr-3379	124	47	h.	h.	PROPN
fsr-3379	124	48	kim	kim	PROPN
fsr-3379	124	49	et	et	PROPN
fsr-3379	124	50	al	al	PROPN
fsr-3379	124	51	.	.	PUNCT
fsr-3379	124	52	/	/	SYM
fsr-3379	124	53	financial	financial	ADJ
fsr-3379	124	54	services	service	NOUN
fsr-3379	124	55	review	review	VERB
fsr-3379	124	56	27	27	NUM
fsr-3379	124	57	(	(	PUNCT
fsr-3379	124	58	2018	2018	NUM
fsr-3379	124	59	)	)	PUNCT
fsr-3379	124	60	29	29	NUM
fsr-3379	124	61	-	-	SYM
fsr-3379	124	62	45	45	NUM
fsr-3379	124	63	(	(	PUNCT
fsr-3379	124	64	spreen	spreen	VERB
fsr-3379	124	65	,	,	PUNCT
fsr-3379	124	66	2013	2013	NUM
fsr-3379	124	67	)	)	PUNCT
fsr-3379	124	68	,	,	PUNCT
fsr-3379	124	69	and	and	CCONJ
fsr-3379	124	70	the	the	DET
fsr-3379	124	71	median	median	ADJ
fsr-3379	124	72	age	age	NOUN
fsr-3379	124	73	when	when	SCONJ
fsr-3379	124	74	graduating	graduate	VERB
fsr-3379	124	75	college	college	NOUN
fsr-3379	124	76	in	in	ADP
fsr-3379	124	77	1960	1960	NUM
fsr-3379	124	78	was	be	AUX
fsr-3379	124	79	22.9	22.9	NUM
fsr-3379	124	80	years	year	NOUN
fsr-3379	124	81	(	(	PUNCT
fsr-3379	124	82	u.s	u.s	PROPN
fsr-3379	124	83	.	.	PROPN
fsr-3379	124	84	census	census	PROPN
fsr-3379	124	85	bureau	bureau	PROPN
fsr-3379	124	86	,	,	PUNCT
fsr-3379	124	87	1963	1963	NUM
fsr-3379	124	88	)	)	PUNCT
fsr-3379	124	89	.	.	PUNCT
fsr-3379	125	1	in	in	ADP
fsr-3379	125	2	an	an	DET
fsr-3379	125	3	era	era	NOUN
fsr-3379	125	4	when	when	SCONJ
fsr-3379	125	5	70	70	NUM
fsr-3379	125	6	%	%	NOUN
fsr-3379	125	7	of	of	ADP
fsr-3379	125	8	high	high	ADJ
fsr-3379	125	9	school	school	NOUN
fsr-3379	125	10	graduates	graduate	NOUN
fsr-3379	125	11	in	in	ADP
fsr-3379	125	12	the	the	DET
fsr-3379	125	13	u.s	u.s	PROPN
fsr-3379	125	14	.	.	PROPN
fsr-3379	125	15	are	be	AUX
fsr-3379	125	16	enrolled	enrol	VERB
fsr-3379	125	17	in	in	ADP
fsr-3379	125	18	colleges	college	NOUN
fsr-3379	125	19	or	or	CCONJ
fsr-3379	125	20	universities	university	NOUN
fsr-3379	125	21	(	(	PUNCT
fsr-3379	125	22	u.s	u.s	PROPN
fsr-3379	125	23	.	.	PROPN
fsr-3379	125	24	department	department	PROPN
fsr-3379	125	25	of	of	ADP
fsr-3379	125	26	labor	labor	NOUN
fsr-3379	125	27	,	,	PUNCT
fsr-3379	125	28	2016b	2016b	NUM
fsr-3379	125	29	)	)	PUNCT
fsr-3379	125	30	,	,	PUNCT
fsr-3379	125	31	focusing	focus	VERB
fsr-3379	125	32	on	on	ADP
fsr-3379	125	33	this	this	DET
fsr-3379	125	34	population	population	NOUN
fsr-3379	125	35	who	who	PRON
fsr-3379	125	36	were	be	AUX
fsr-3379	125	37	first	first	ADV
fsr-3379	125	38	employed	employ	VERB
fsr-3379	125	39	at	at	ADP
fsr-3379	125	40	age	age	NOUN
fsr-3379	125	41	22	22	NUM
fsr-3379	125	42	or	or	CCONJ
fsr-3379	125	43	older	old	ADJ
fsr-3379	125	44	can	can	AUX
fsr-3379	125	45	provide	provide	VERB
fsr-3379	125	46	more	more	ADV
fsr-3379	125	47	meaningful	meaningful	ADJ
fsr-3379	125	48	implications	implication	NOUN
fsr-3379	125	49	for	for	ADP
fsr-3379	125	50	young	young	ADJ
fsr-3379	125	51	college	college	NOUN
fsr-3379	125	52	graduates	graduate	NOUN
fsr-3379	125	53	about	about	ADP
fsr-3379	125	54	retirement	retirement	NOUN
fsr-3379	125	55	savings	saving	NOUN
fsr-3379	125	56	.	.	PUNCT
fsr-3379	126	1	in	in	ADP
fsr-3379	126	2	our	our	PRON
fsr-3379	126	3	sample	sample	NOUN
fsr-3379	126	4	,	,	PUNCT
fsr-3379	126	5	the	the	DET
fsr-3379	126	6	mean	mean	ADJ
fsr-3379	126	7	age	age	NOUN
fsr-3379	126	8	when	when	SCONJ
fsr-3379	126	9	first	first	ADV
fsr-3379	126	10	employed	employ	VERB
fsr-3379	126	11	was	be	AUX
fsr-3379	126	12	20.8	20.8	NUM
fsr-3379	126	13	years	year	NOUN
fsr-3379	126	14	for	for	ADP
fsr-3379	126	15	the	the	DET
fsr-3379	126	16	high	high	ADJ
fsr-3379	126	17	school	school	NOUN
fsr-3379	126	18	graduate	graduate	NOUN
fsr-3379	126	19	group	group	NOUN
fsr-3379	126	20	and	and	CCONJ
fsr-3379	126	21	23.9	23.9	NUM
fsr-3379	126	22	years	year	NOUN
fsr-3379	126	23	for	for	ADP
fsr-3379	126	24	the	the	DET
fsr-3379	126	25	college	college	NOUN
fsr-3379	126	26	graduate	graduate	NOUN
fsr-3379	126	27	group	group	NOUN
fsr-3379	126	28	.	.	PUNCT
fsr-3379	127	1	4.3	4.3	NUM
fsr-3379	127	2	.	.	PUNCT
fsr-3379	127	3	measures	measure	NOUN
fsr-3379	127	4	4.3.1	4.3.1	VERB
fsr-3379	127	5	.	.	PUNCT
fsr-3379	127	6	age	age	NOUN
fsr-3379	127	7	when	when	SCONJ
fsr-3379	127	8	first	first	ADV
fsr-3379	127	9	employed	employ	VERB
fsr-3379	127	10	in	in	ADP
fsr-3379	127	11	the	the	DET
fsr-3379	127	12	hrs	hrs	NOUN
fsr-3379	127	13	,	,	PUNCT
fsr-3379	127	14	a	a	DET
fsr-3379	127	15	respondent	respondent	NOUN
fsr-3379	127	16	is	be	AUX
fsr-3379	127	17	asked	ask	VERB
fsr-3379	127	18	about	about	ADP
fsr-3379	127	19	past	past	ADJ
fsr-3379	127	20	jobs	job	NOUN
fsr-3379	127	21	retrospectively	retrospectively	ADV
fsr-3379	127	22	at	at	ADP
fsr-3379	127	23	their	their	PRON
fsr-3379	127	24	first	first	ADJ
fsr-3379	127	25	interview	interview	NOUN
fsr-3379	127	26	,	,	PUNCT
fsr-3379	127	27	including	include	VERB
fsr-3379	127	28	the	the	DET
fsr-3379	127	29	information	information	NOUN
fsr-3379	127	30	about	about	ADP
fsr-3379	127	31	the	the	DET
fsr-3379	127	32	earliest	early	ADJ
fsr-3379	127	33	year	year	NOUN
fsr-3379	127	34	worked	work	VERB
fsr-3379	127	35	.	.	PUNCT
fsr-3379	128	1	the	the	DET
fsr-3379	128	2	specific	specific	ADJ
fsr-3379	128	3	question	question	NOUN
fsr-3379	128	4	to	to	PART
fsr-3379	128	5	measure	measure	VERB
fsr-3379	128	6	age	age	NOUN
fsr-3379	128	7	when	when	SCONJ
fsr-3379	128	8	first	first	ADV
fsr-3379	128	9	employed	employ	VERB
fsr-3379	128	10	is	be	AUX
fsr-3379	128	11	“	"	PUNCT
fsr-3379	128	12	in	in	ADP
fsr-3379	128	13	what	what	DET
fsr-3379	128	14	year	year	NOUN
fsr-3379	128	15	did	do	AUX
fsr-3379	128	16	you	you	PRON
fsr-3379	128	17	first	first	ADV
fsr-3379	128	18	work	work	VERB
fsr-3379	128	19	for	for	ADP
fsr-3379	128	20	six	six	NUM
fsr-3379	128	21	months	month	NOUN
fsr-3379	128	22	or	or	CCONJ
fsr-3379	128	23	more	more	ADJ
fsr-3379	128	24	?	?	PUNCT
fsr-3379	128	25	”	"	PUNCT
fsr-3379	129	1	this	this	DET
fsr-3379	129	2	question	question	NOUN
fsr-3379	129	3	is	be	AUX
fsr-3379	129	4	included	include	VERB
fsr-3379	129	5	in	in	ADP
fsr-3379	129	6	each	each	DET
fsr-3379	129	7	wave	wave	NOUN
fsr-3379	129	8	of	of	ADP
fsr-3379	129	9	the	the	DET
fsr-3379	129	10	hrs	hrs	NOUN
fsr-3379	129	11	.	.	PUNCT
fsr-3379	130	1	we	we	PRON
fsr-3379	130	2	calculated	calculate	VERB
fsr-3379	130	3	age	age	NOUN
fsr-3379	130	4	when	when	SCONJ
fsr-3379	130	5	first	first	ADV
fsr-3379	130	6	employed	employ	VERB
fsr-3379	130	7	by	by	ADP
fsr-3379	130	8	subtracting	subtract	VERB
fsr-3379	130	9	the	the	DET
fsr-3379	130	10	birth	birth	NOUN
fsr-3379	130	11	year	year	NOUN
fsr-3379	130	12	from	from	ADP
fsr-3379	130	13	the	the	DET
fsr-3379	130	14	year	year	NOUN
fsr-3379	130	15	at	at	ADP
fsr-3379	130	16	first	first	ADJ
fsr-3379	130	17	work	work	NOUN
fsr-3379	130	18	.	.	PUNCT
fsr-3379	131	1	4.3.2	4.3.2	X
fsr-3379	131	2	.	.	PUNCT
fsr-3379	132	1	dependent	dependent	ADJ
fsr-3379	132	2	variables	variable	NOUN
fsr-3379	132	3	:	:	PUNCT
fsr-3379	132	4	retirement	retirement	NOUN
fsr-3379	132	5	wealth	wealth	NOUN
fsr-3379	132	6	household	household	NOUN
fsr-3379	132	7	net	net	NOUN
fsr-3379	132	8	worth	worth	NOUN
fsr-3379	132	9	(	(	PUNCT
fsr-3379	132	10	including	include	VERB
fsr-3379	132	11	secondary	secondary	ADJ
fsr-3379	132	12	residence	residence	NOUN
fsr-3379	132	13	)	)	PUNCT
fsr-3379	132	14	is	be	AUX
fsr-3379	132	15	used	use	VERB
fsr-3379	132	16	as	as	ADP
fsr-3379	132	17	a	a	DET
fsr-3379	132	18	main	main	ADJ
fsr-3379	132	19	dependent	dependent	ADJ
fsr-3379	132	20	variable	variable	NOUN
fsr-3379	132	21	.	.	PUNCT
fsr-3379	133	1	net	net	ADJ
fsr-3379	133	2	worth	worth	NOUN
fsr-3379	133	3	is	be	AUX
fsr-3379	133	4	calculated	calculate	VERB
fsr-3379	133	5	as	as	ADP
fsr-3379	133	6	the	the	DET
fsr-3379	133	7	sum	sum	NOUN
fsr-3379	133	8	of	of	ADP
fsr-3379	133	9	all	all	DET
fsr-3379	133	10	assets	asset	NOUN
fsr-3379	133	11	less	less	ADJ
fsr-3379	133	12	all	all	DET
fsr-3379	133	13	debt	debt	NOUN
fsr-3379	133	14	.	.	PUNCT
fsr-3379	134	1	4.3.3	4.3.3	X
fsr-3379	134	2	.	.	PUNCT
fsr-3379	134	3	other	other	ADJ
fsr-3379	134	4	control	control	NOUN
fsr-3379	134	5	variables	variable	VERB
fsr-3379	134	6	the	the	DET
fsr-3379	134	7	following	follow	VERB
fsr-3379	134	8	demographic	demographic	ADJ
fsr-3379	134	9	characteristics	characteristic	NOUN
fsr-3379	134	10	are	be	AUX
fsr-3379	134	11	included	include	VERB
fsr-3379	134	12	as	as	ADP
fsr-3379	134	13	control	control	NOUN
fsr-3379	134	14	variables	variable	NOUN
fsr-3379	134	15	;	;	PUNCT
fsr-3379	134	16	age	age	NOUN
fsr-3379	134	17	in	in	ADP
fsr-3379	134	18	2014	2014	NUM
fsr-3379	134	19	,	,	PUNCT
fsr-3379	134	20	gender	gender	NOUN
fsr-3379	134	21	,	,	PUNCT
fsr-3379	134	22	race	race	NOUN
fsr-3379	134	23	,	,	PUNCT
fsr-3379	134	24	marital	marital	ADJ
fsr-3379	134	25	status	status	NOUN
fsr-3379	134	26	in	in	ADP
fsr-3379	134	27	2014	2014	NUM
fsr-3379	134	28	,	,	PUNCT
fsr-3379	134	29	and	and	CCONJ
fsr-3379	134	30	the	the	DET
fsr-3379	134	31	number	number	NOUN
fsr-3379	134	32	of	of	ADP
fsr-3379	134	33	people	people	NOUN
fsr-3379	134	34	in	in	ADP
fsr-3379	134	35	the	the	DET
fsr-3379	134	36	household	household	NOUN
fsr-3379	134	37	.	.	PUNCT
fsr-3379	135	1	the	the	DET
fsr-3379	135	2	number	number	NOUN
fsr-3379	135	3	of	of	ADP
fsr-3379	135	4	people	people	NOUN
fsr-3379	135	5	in	in	ADP
fsr-3379	135	6	the	the	DET
fsr-3379	135	7	household	household	NOUN
fsr-3379	135	8	includes	include	VERB
fsr-3379	135	9	the	the	DET
fsr-3379	135	10	respondent	respondent	NOUN
fsr-3379	135	11	,	,	PUNCT
fsr-3379	135	12	spouse	spouse	NOUN
fsr-3379	135	13	,	,	PUNCT
fsr-3379	135	14	residents	resident	NOUN
fsr-3379	135	15	and	and	CCONJ
fsr-3379	135	16	nonresident	nonresident	ADJ
fsr-3379	135	17	children	child	NOUN
fsr-3379	135	18	.	.	PUNCT
fsr-3379	136	1	we	we	PRON
fsr-3379	136	2	also	also	ADV
fsr-3379	136	3	include	include	VERB
fsr-3379	136	4	the	the	DET
fsr-3379	136	5	respondent	respondent	NOUN
fsr-3379	136	6	’s	’s	PART
fsr-3379	136	7	and	and	CCONJ
fsr-3379	136	8	spouse	spouse	NOUN
fsr-3379	136	9	’s	’s	PART
fsr-3379	136	10	total	total	ADJ
fsr-3379	136	11	number	number	NOUN
fsr-3379	136	12	of	of	ADP
fsr-3379	136	13	years	year	NOUN
fsr-3379	136	14	worked	work	VERB
fsr-3379	136	15	.	.	PUNCT
fsr-3379	137	1	total	total	ADJ
fsr-3379	137	2	number	number	NOUN
fsr-3379	137	3	of	of	ADP
fsr-3379	137	4	years	year	NOUN
fsr-3379	137	5	worked	work	VERB
fsr-3379	137	6	is	be	AUX
fsr-3379	137	7	the	the	DET
fsr-3379	137	8	total	total	ADJ
fsr-3379	137	9	number	number	NOUN
fsr-3379	137	10	of	of	ADP
fsr-3379	137	11	years	year	NOUN
fsr-3379	137	12	that	that	SCONJ
fsr-3379	137	13	the	the	DET
fsr-3379	137	14	respondents	respondent	NOUN
fsr-3379	137	15	actually	actually	ADV
fsr-3379	137	16	worked	work	VERB
fsr-3379	137	17	.	.	PUNCT
fsr-3379	138	1	this	this	DET
fsr-3379	138	2	variable	variable	NOUN
fsr-3379	138	3	is	be	AUX
fsr-3379	138	4	derived	derive	VERB
fsr-3379	138	5	from	from	ADP
fsr-3379	138	6	the	the	DET
fsr-3379	138	7	respondent	respondent	NOUN
fsr-3379	138	8	’s	’s	PART
fsr-3379	138	9	retrospective	retrospective	ADJ
fsr-3379	138	10	job	job	NOUN
fsr-3379	138	11	history	history	NOUN
fsr-3379	138	12	and	and	CCONJ
fsr-3379	138	13	all	all	DET
fsr-3379	138	14	jobs	job	NOUN
fsr-3379	138	15	reported	report	VERB
fsr-3379	138	16	since	since	SCONJ
fsr-3379	138	17	the	the	DET
fsr-3379	138	18	first	first	ADJ
fsr-3379	138	19	interview	interview	NOUN
fsr-3379	138	20	and	and	CCONJ
fsr-3379	138	21	considers	consider	VERB
fsr-3379	138	22	all	all	DET
fsr-3379	138	23	related	related	ADJ
fsr-3379	138	24	factors	factor	NOUN
fsr-3379	138	25	affecting	affect	VERB
fsr-3379	138	26	individual	individual	ADJ
fsr-3379	138	27	’s	’s	PART
fsr-3379	138	28	labor	labor	NOUN
fsr-3379	138	29	force	force	NOUN
fsr-3379	138	30	status	status	NOUN
fsr-3379	138	31	such	such	ADJ
fsr-3379	138	32	as	as	ADP
fsr-3379	138	33	a	a	DET
fsr-3379	138	34	layoff	layoff	NOUN
fsr-3379	138	35	or	or	CCONJ
fsr-3379	138	36	voluntary	voluntary	ADJ
fsr-3379	138	37	unemployment	unemployment	NOUN
fsr-3379	138	38	.	.	PUNCT
fsr-3379	139	1	for	for	ADP
fsr-3379	139	2	those	those	PRON
fsr-3379	139	3	who	who	PRON
fsr-3379	139	4	are	be	AUX
fsr-3379	139	5	single	single	ADJ
fsr-3379	139	6	or	or	CCONJ
fsr-3379	139	7	have	have	VERB
fsr-3379	139	8	a	a	DET
fsr-3379	139	9	stay	stay	NOUN
fsr-3379	139	10	at	at	ADP
fsr-3379	139	11	home	home	NOUN
fsr-3379	139	12	spouse	spouse	NOUN
fsr-3379	139	13	,	,	PUNCT
fsr-3379	139	14	the	the	DET
fsr-3379	139	15	value	value	NOUN
fsr-3379	139	16	of	of	ADP
fsr-3379	139	17	the	the	DET
fsr-3379	139	18	spouse	spouse	NOUN
fsr-3379	139	19	’s	’s	PART
fsr-3379	139	20	total	total	ADJ
fsr-3379	139	21	number	number	NOUN
fsr-3379	139	22	of	of	ADP
fsr-3379	139	23	years	year	NOUN
fsr-3379	139	24	worked	work	VERB
fsr-3379	139	25	is	be	AUX
fsr-3379	139	26	coded	code	VERB
fsr-3379	139	27	as	as	ADP
fsr-3379	139	28	0	0	NUM
fsr-3379	139	29	.	.	PUNCT
fsr-3379	140	1	occupation	occupation	NOUN
fsr-3379	140	2	type	type	NOUN
fsr-3379	140	3	or	or	CCONJ
fsr-3379	140	4	annual	annual	ADJ
fsr-3379	140	5	salary	salary	NOUN
fsr-3379	140	6	of	of	ADP
fsr-3379	140	7	the	the	DET
fsr-3379	140	8	longest	long	ADJ
fsr-3379	140	9	tenured	tenure	VERB
fsr-3379	140	10	job	job	NOUN
fsr-3379	140	11	is	be	AUX
fsr-3379	140	12	also	also	ADV
fsr-3379	140	13	included	include	VERB
fsr-3379	140	14	as	as	ADP
fsr-3379	140	15	a	a	DET
fsr-3379	140	16	variable	variable	NOUN
fsr-3379	140	17	to	to	PART
fsr-3379	140	18	control	control	VERB
fsr-3379	140	19	the	the	DET
fsr-3379	140	20	individual	individual	NOUN
fsr-3379	140	21	’s	’s	PART
fsr-3379	140	22	lifetime	lifetime	NOUN
fsr-3379	140	23	income	income	NOUN
fsr-3379	140	24	,	,	PUNCT
fsr-3379	140	25	which	which	PRON
fsr-3379	140	26	is	be	AUX
fsr-3379	140	27	classified	classify	VERB
fsr-3379	140	28	into	into	ADP
fsr-3379	140	29	23	23	NUM
fsr-3379	140	30	categories	category	NOUN
fsr-3379	140	31	based	base	VERB
fsr-3379	140	32	on	on	ADP
fsr-3379	140	33	the	the	DET
fsr-3379	140	34	2010	2010	NUM
fsr-3379	140	35	u.s	u.s	PROPN
fsr-3379	140	36	.	.	PROPN
fsr-3379	140	37	census	census	PROPN
fsr-3379	140	38	occupational	occupational	ADJ
fsr-3379	140	39	classification	classification	NOUN
fsr-3379	140	40	system	system	NOUN
fsr-3379	140	41	.	.	PUNCT
fsr-3379	141	1	4.4	4.4	NUM
fsr-3379	141	2	.	.	PUNCT
fsr-3379	142	1	analysis	analysis	NOUN
fsr-3379	142	2	descriptive	descriptive	ADJ
fsr-3379	142	3	analyses	analysis	NOUN
fsr-3379	142	4	and	and	CCONJ
fsr-3379	142	5	ols	ol	NOUN
fsr-3379	142	6	regressions	regression	NOUN
fsr-3379	142	7	are	be	AUX
fsr-3379	142	8	used	use	VERB
fsr-3379	142	9	to	to	PART
fsr-3379	142	10	estimate	estimate	VERB
fsr-3379	142	11	the	the	DET
fsr-3379	142	12	impact	impact	NOUN
fsr-3379	142	13	of	of	ADP
fsr-3379	142	14	age	age	NOUN
fsr-3379	142	15	when	when	SCONJ
fsr-3379	142	16	first	first	ADV
fsr-3379	142	17	employed	employ	VERB
fsr-3379	142	18	on	on	ADP
fsr-3379	142	19	retirement	retirement	NOUN
fsr-3379	142	20	wealth	wealth	NOUN
fsr-3379	142	21	.	.	PUNCT
fsr-3379	143	1	descriptive	descriptive	ADJ
fsr-3379	143	2	analyses	analysis	NOUN
fsr-3379	143	3	explore	explore	VERB
fsr-3379	143	4	the	the	DET
fsr-3379	143	5	overall	overall	ADJ
fsr-3379	143	6	trend	trend	NOUN
fsr-3379	143	7	of	of	ADP
fsr-3379	143	8	the	the	DET
fsr-3379	143	9	relationship	relationship	NOUN
fsr-3379	143	10	between	between	ADP
fsr-3379	143	11	age	age	NOUN
fsr-3379	143	12	when	when	SCONJ
fsr-3379	143	13	first	first	ADV
fsr-3379	143	14	employed	employ	VERB
fsr-3379	143	15	and	and	CCONJ
fsr-3379	143	16	retirement	retirement	NOUN
fsr-3379	143	17	wealth	wealth	NOUN
fsr-3379	143	18	.	.	PUNCT
fsr-3379	144	1	ols	ol	NOUN
fsr-3379	144	2	regressions	regression	NOUN
fsr-3379	144	3	are	be	AUX
fsr-3379	144	4	used	use	VERB
fsr-3379	144	5	to	to	PART
fsr-3379	144	6	specify	specify	VERB
fsr-3379	144	7	the	the	DET
fsr-3379	144	8	effect	effect	NOUN
fsr-3379	144	9	of	of	ADP
fsr-3379	144	10	age	age	NOUN
fsr-3379	144	11	when	when	SCONJ
fsr-3379	144	12	first	first	ADV
fsr-3379	144	13	employed	employ	VERB
fsr-3379	144	14	on	on	ADP
fsr-3379	144	15	accumulated	accumulate	VERB
fsr-3379	144	16	retirement	retirement	NOUN
fsr-3379	144	17	wealth	wealth	NOUN
fsr-3379	144	18	in	in	ADP
fsr-3379	144	19	later	later	ADJ
fsr-3379	144	20	years	year	NOUN
fsr-3379	144	21	.	.	PUNCT
fsr-3379	145	1	two	two	NUM
fsr-3379	145	2	separate	separate	ADJ
fsr-3379	145	3	regressions	regression	NOUN
fsr-3379	145	4	are	be	AUX
fsr-3379	145	5	conducted	conduct	VERB
fsr-3379	145	6	with	with	ADP
fsr-3379	145	7	the	the	DET
fsr-3379	145	8	two	two	NUM
fsr-3379	145	9	different	different	ADJ
fsr-3379	145	10	groups	group	NOUN
fsr-3379	145	11	of	of	ADP
fsr-3379	145	12	high	high	ADJ
fsr-3379	145	13	school	school	NOUN
fsr-3379	145	14	graduates	graduate	NOUN
fsr-3379	145	15	and	and	CCONJ
fsr-3379	145	16	college	college	NOUN
fsr-3379	145	17	graduates	graduate	NOUN
fsr-3379	145	18	.	.	PUNCT
fsr-3379	146	1	weighted	weight	VERB
fsr-3379	146	2	data	datum	NOUN
fsr-3379	146	3	are	be	AUX
fsr-3379	146	4	used	use	VERB
fsr-3379	146	5	to	to	PART
fsr-3379	146	6	represent	represent	VERB
fsr-3379	146	7	the	the	DET
fsr-3379	146	8	u.s	u.s	PROPN
fsr-3379	146	9	.	.	PROPN
fsr-3379	146	10	middle	middle	PROPN
fsr-3379	146	11	aged	aged	ADJ
fsr-3379	146	12	and	and	CCONJ
fsr-3379	146	13	older	old	ADJ
fsr-3379	146	14	population	population	NOUN
fsr-3379	146	15	for	for	ADP
fsr-3379	146	16	our	our	PRON
fsr-3379	146	17	analysis.1	analysis.1	PROPN
fsr-3379	146	18	for	for	ADP
fsr-3379	146	19	sensitivity	sensitivity	NOUN
fsr-3379	146	20	checks	check	NOUN
fsr-3379	146	21	,	,	PUNCT
fsr-3379	146	22	the	the	DET
fsr-3379	146	23	main	main	ADJ
fsr-3379	146	24	model	model	NOUN
fsr-3379	146	25	is	be	AUX
fsr-3379	146	26	35h	35h	NUM
fsr-3379	146	27	.	.	PUNCT
fsr-3379	147	1	kim	kim	PROPN
fsr-3379	147	2	et	et	PROPN
fsr-3379	147	3	al	al	PROPN
fsr-3379	147	4	.	.	PUNCT
fsr-3379	147	5	/	/	SYM
fsr-3379	147	6	financial	financial	ADJ
fsr-3379	147	7	services	service	NOUN
fsr-3379	147	8	review	review	VERB
fsr-3379	147	9	27	27	NUM
fsr-3379	147	10	(	(	PUNCT
fsr-3379	147	11	2018	2018	NUM
fsr-3379	147	12	)	)	PUNCT
fsr-3379	147	13	29	29	NUM
fsr-3379	147	14	-	-	SYM
fsr-3379	147	15	45	45	NUM
fsr-3379	147	16	estimated	estimate	VERB
fsr-3379	147	17	with	with	ADP
fsr-3379	147	18	several	several	ADJ
fsr-3379	147	19	alternative	alternative	ADJ
fsr-3379	147	20	specifications	specification	NOUN
fsr-3379	147	21	(	(	PUNCT
fsr-3379	147	22	unweighted	unweighted	ADJ
fsr-3379	147	23	regression	regression	NOUN
fsr-3379	147	24	,	,	PUNCT
fsr-3379	147	25	natural	natural	ADJ
fsr-3379	147	26	logarithm	logarithm	NOUN
fsr-3379	147	27	transformation	transformation	NOUN
fsr-3379	147	28	of	of	ADP
fsr-3379	147	29	net	net	ADJ
fsr-3379	147	30	worth2	worth2	PROPN
fsr-3379	147	31	and	and	CCONJ
fsr-3379	147	32	financial	financial	ADJ
fsr-3379	147	33	wealth3	wealth3	PROPN
fsr-3379	147	34	as	as	ADP
fsr-3379	147	35	a	a	DET
fsr-3379	147	36	dependent	dependent	ADJ
fsr-3379	147	37	variable	variable	NOUN
fsr-3379	147	38	,	,	PUNCT
fsr-3379	147	39	or	or	CCONJ
fsr-3379	147	40	using	use	VERB
fsr-3379	147	41	occupation	occupation	NOUN
fsr-3379	147	42	salary	salary	NOUN
fsr-3379	147	43	level4	level4	PROPN
fsr-3379	147	44	instead	instead	ADV
fsr-3379	147	45	of	of	ADP
fsr-3379	147	46	occupation	occupation	NOUN
fsr-3379	147	47	type	type	NOUN
fsr-3379	147	48	as	as	ADP
fsr-3379	147	49	a	a	DET
fsr-3379	147	50	control	control	NOUN
fsr-3379	147	51	variable	variable	NOUN
fsr-3379	147	52	)	)	PUNCT
fsr-3379	147	53	.	.	PUNCT
fsr-3379	148	1	5	5	X
fsr-3379	148	2	.	.	NOUN
fsr-3379	148	3	results	result	VERB
fsr-3379	148	4	relevant	relevant	ADJ
fsr-3379	148	5	characteristics	characteristic	NOUN
fsr-3379	148	6	of	of	ADP
fsr-3379	148	7	the	the	DET
fsr-3379	148	8	sample	sample	NOUN
fsr-3379	148	9	based	base	VERB
fsr-3379	148	10	on	on	ADP
fsr-3379	148	11	levels	level	NOUN
fsr-3379	148	12	of	of	ADP
fsr-3379	148	13	education	education	NOUN
fsr-3379	148	14	are	be	AUX
fsr-3379	148	15	presented	present	VERB
fsr-3379	148	16	in	in	ADP
fsr-3379	148	17	table	table	NOUN
fsr-3379	148	18	1	1	NUM
fsr-3379	148	19	.	.	PUNCT
fsr-3379	149	1	the	the	DET
fsr-3379	149	2	mean	mean	ADJ
fsr-3379	149	3	age	age	NOUN
fsr-3379	149	4	in	in	ADP
fsr-3379	149	5	2014	2014	NUM
fsr-3379	149	6	is	be	AUX
fsr-3379	149	7	59.9	59.9	NUM
fsr-3379	149	8	years	year	NOUN
fsr-3379	149	9	for	for	ADP
fsr-3379	149	10	the	the	DET
fsr-3379	149	11	high	high	ADJ
fsr-3379	149	12	school	school	NOUN
fsr-3379	149	13	group	group	NOUN
fsr-3379	149	14	and	and	CCONJ
fsr-3379	149	15	60.2	60.2	NUM
fsr-3379	149	16	years	year	NOUN
fsr-3379	149	17	for	for	ADP
fsr-3379	149	18	the	the	DET
fsr-3379	149	19	college	college	NOUN
fsr-3379	149	20	group	group	NOUN
fsr-3379	149	21	,	,	PUNCT
fsr-3379	149	22	respectively	respectively	ADV
fsr-3379	149	23	.	.	PUNCT
fsr-3379	150	1	more	more	ADJ
fsr-3379	150	2	females	female	NOUN
fsr-3379	150	3	are	be	AUX
fsr-3379	150	4	in	in	ADP
fsr-3379	150	5	the	the	DET
fsr-3379	150	6	high	high	ADJ
fsr-3379	150	7	school	school	NOUN
fsr-3379	150	8	group	group	NOUN
fsr-3379	150	9	(	(	PUNCT
fsr-3379	150	10	56.7	56.7	NUM
fsr-3379	150	11	%	%	NOUN
fsr-3379	150	12	)	)	PUNCT
fsr-3379	150	13	than	than	ADP
fsr-3379	150	14	the	the	DET
fsr-3379	150	15	college	college	NOUN
fsr-3379	150	16	group	group	NOUN
fsr-3379	150	17	(	(	PUNCT
fsr-3379	150	18	50.0	50.0	NUM
fsr-3379	150	19	%	%	NOUN
fsr-3379	150	20	)	)	PUNCT
fsr-3379	150	21	,	,	PUNCT
fsr-3379	150	22	whereas	whereas	SCONJ
fsr-3379	150	23	less	less	ADV
fsr-3379	150	24	white	white	ADJ
fsr-3379	150	25	and	and	CCONJ
fsr-3379	150	26	married	married	ADJ
fsr-3379	150	27	individuals	individual	NOUN
fsr-3379	150	28	are	be	AUX
fsr-3379	150	29	in	in	ADP
fsr-3379	150	30	the	the	DET
fsr-3379	150	31	high	high	ADJ
fsr-3379	150	32	school	school	NOUN
fsr-3379	150	33	group	group	NOUN
fsr-3379	150	34	than	than	ADP
fsr-3379	150	35	the	the	DET
fsr-3379	150	36	college	college	NOUN
fsr-3379	150	37	group	group	NOUN
fsr-3379	150	38	.	.	PUNCT
fsr-3379	151	1	the	the	DET
fsr-3379	151	2	working	work	VERB
fsr-3379	151	3	years	year	NOUN
fsr-3379	151	4	(	(	PUNCT
fsr-3379	151	5	about	about	ADV
fsr-3379	151	6	30	30	NUM
fsr-3379	151	7	years	year	NOUN
fsr-3379	151	8	)	)	PUNCT
fsr-3379	151	9	are	be	AUX
fsr-3379	151	10	similar	similar	ADJ
fsr-3379	151	11	.	.	PUNCT
fsr-3379	152	1	not	not	PART
fsr-3379	152	2	surprisingly	surprisingly	ADV
fsr-3379	152	3	,	,	PUNCT
fsr-3379	152	4	there	there	PRON
fsr-3379	152	5	are	be	VERB
fsr-3379	152	6	huge	huge	ADJ
fsr-3379	152	7	gaps	gap	NOUN
fsr-3379	152	8	of	of	ADP
fsr-3379	152	9	net	net	ADJ
fsr-3379	152	10	worth	worth	NOUN
fsr-3379	152	11	and	and	CCONJ
fsr-3379	152	12	financial	financial	ADJ
fsr-3379	152	13	wealth	wealth	NOUN
fsr-3379	152	14	between	between	ADP
fsr-3379	152	15	the	the	DET
fsr-3379	152	16	two	two	NUM
fsr-3379	152	17	groups	group	NOUN
fsr-3379	152	18	.	.	PUNCT
fsr-3379	153	1	the	the	DET
fsr-3379	153	2	mean	mean	ADJ
fsr-3379	153	3	net	net	ADJ
fsr-3379	153	4	worth	worth	NOUN
fsr-3379	153	5	of	of	ADP
fsr-3379	153	6	the	the	DET
fsr-3379	153	7	college	college	NOUN
fsr-3379	153	8	group	group	NOUN
fsr-3379	153	9	is	be	AUX
fsr-3379	153	10	$	$	SYM
fsr-3379	153	11	798,700	798,700	NUM
fsr-3379	153	12	which	which	PRON
fsr-3379	153	13	is	be	AUX
fsr-3379	153	14	3.3	3.3	NUM
fsr-3379	153	15	times	time	NOUN
fsr-3379	153	16	larger	large	ADJ
fsr-3379	153	17	than	than	ADP
fsr-3379	153	18	that	that	PRON
fsr-3379	153	19	(	(	PUNCT
fsr-3379	153	20	$	$	SYM
fsr-3379	153	21	241,100	241,100	NUM
fsr-3379	153	22	)	)	PUNCT
fsr-3379	153	23	of	of	ADP
fsr-3379	153	24	the	the	DET
fsr-3379	153	25	high	high	ADJ
fsr-3379	153	26	school	school	NOUN
fsr-3379	153	27	group	group	NOUN
fsr-3379	153	28	.	.	PUNCT
fsr-3379	154	1	the	the	DET
fsr-3379	154	2	gap	gap	NOUN
fsr-3379	154	3	in	in	ADP
fsr-3379	154	4	financial	financial	ADJ
fsr-3379	154	5	wealth	wealth	NOUN
fsr-3379	154	6	is	be	AUX
fsr-3379	154	7	4.9	4.9	NUM
fsr-3379	154	8	times	time	NOUN
fsr-3379	154	9	(	(	PUNCT
fsr-3379	154	10	$	$	SYM
fsr-3379	154	11	214,500	214,500	NUM
fsr-3379	154	12	college	college	NOUN
fsr-3379	154	13	group	group	NOUN
fsr-3379	154	14	vs.	vs.	ADP
fsr-3379	154	15	$	$	SYM
fsr-3379	154	16	44,100	44,100	NUM
fsr-3379	154	17	high	high	ADJ
fsr-3379	154	18	school	school	NOUN
fsr-3379	154	19	group	group	NOUN
fsr-3379	154	20	)	)	PUNCT
fsr-3379	154	21	.	.	PUNCT
fsr-3379	155	1	fig	fig	NOUN
fsr-3379	155	2	.	.	PUNCT
fsr-3379	156	1	1	1	NUM
fsr-3379	156	2	illustrates	illustrate	VERB
fsr-3379	156	3	current	current	ADJ
fsr-3379	156	4	accumulated	accumulate	VERB
fsr-3379	156	5	retirement	retirement	NOUN
fsr-3379	156	6	wealth	wealth	NOUN
fsr-3379	156	7	levels	level	NOUN
fsr-3379	156	8	in	in	ADP
fsr-3379	156	9	2014	2014	NUM
fsr-3379	156	10	by	by	ADP
fsr-3379	156	11	age	age	NOUN
fsr-3379	156	12	when	when	SCONJ
fsr-3379	156	13	first	first	ADV
fsr-3379	156	14	employed	employ	VERB
fsr-3379	156	15	for	for	ADP
fsr-3379	156	16	each	each	DET
fsr-3379	156	17	group	group	NOUN
fsr-3379	156	18	.	.	PUNCT
fsr-3379	157	1	panel	panel	NOUN
fsr-3379	157	2	a	a	DET
fsr-3379	157	3	shows	show	NOUN
fsr-3379	157	4	accumulated	accumulate	VERB
fsr-3379	157	5	wealth	wealth	NOUN
fsr-3379	157	6	of	of	ADP
fsr-3379	157	7	the	the	DET
fsr-3379	157	8	high	high	ADJ
fsr-3379	157	9	school	school	NOUN
fsr-3379	157	10	group	group	NOUN
fsr-3379	157	11	.	.	PUNCT
fsr-3379	158	1	overall	overall	ADV
fsr-3379	158	2	,	,	PUNCT
fsr-3379	158	3	the	the	DET
fsr-3379	158	4	level	level	NOUN
fsr-3379	158	5	of	of	ADP
fsr-3379	158	6	wealth	wealth	NOUN
fsr-3379	158	7	demonstrates	demonstrate	VERB
fsr-3379	158	8	a	a	DET
fsr-3379	158	9	declining	decline	VERB
fsr-3379	158	10	pattern	pattern	NOUN
fsr-3379	158	11	by	by	ADP
fsr-3379	158	12	age	age	NOUN
fsr-3379	158	13	when	when	SCONJ
fsr-3379	158	14	first	first	ADV
fsr-3379	158	15	employed	employ	VERB
fsr-3379	158	16	:	:	PUNCT
fsr-3379	158	17	the	the	PRON
fsr-3379	158	18	older	old	ADJ
fsr-3379	158	19	the	the	DET
fsr-3379	158	20	entry	entry	NOUN
fsr-3379	158	21	age	age	NOUN
fsr-3379	158	22	is	be	AUX
fsr-3379	158	23	,	,	PUNCT
fsr-3379	158	24	the	the	PRON
fsr-3379	158	25	less	less	ADV
fsr-3379	158	26	the	the	DET
fsr-3379	158	27	wealth	wealth	NOUN
fsr-3379	158	28	tends	tend	VERB
fsr-3379	158	29	to	to	PART
fsr-3379	158	30	be	be	AUX
fsr-3379	158	31	.	.	PUNCT
fsr-3379	159	1	in	in	ADP
fsr-3379	159	2	particular	particular	ADJ
fsr-3379	159	3	,	,	PUNCT
fsr-3379	159	4	when	when	SCONJ
fsr-3379	159	5	respondents	respondent	NOUN
fsr-3379	159	6	were	be	AUX
fsr-3379	159	7	first	first	ADV
fsr-3379	159	8	employed	employ	VERB
fsr-3379	159	9	at	at	ADP
fsr-3379	159	10	age	age	NOUN
fsr-3379	159	11	18	18	NUM
fsr-3379	159	12	,	,	PUNCT
fsr-3379	159	13	wealth	wealth	NOUN
fsr-3379	159	14	accumulated	accumulate	VERB
fsr-3379	159	15	by	by	ADP
fsr-3379	159	16	2014	2014	NUM
fsr-3379	159	17	is	be	AUX
fsr-3379	159	18	more	more	ADJ
fsr-3379	159	19	than	than	ADP
fsr-3379	159	20	$	$	SYM
fsr-3379	159	21	200,000	200,000	NUM
fsr-3379	159	22	.	.	PUNCT
fsr-3379	160	1	however	however	ADV
fsr-3379	160	2	,	,	PUNCT
fsr-3379	160	3	if	if	SCONJ
fsr-3379	160	4	age	age	NOUN
fsr-3379	160	5	when	when	SCONJ
fsr-3379	160	6	first	first	ADV
fsr-3379	160	7	employed	employ	VERB
fsr-3379	160	8	was	be	AUX
fsr-3379	160	9	26	26	NUM
fsr-3379	160	10	or	or	CCONJ
fsr-3379	160	11	older	old	ADJ
fsr-3379	160	12	wealth	wealth	NOUN
fsr-3379	160	13	on	on	ADP
fsr-3379	160	14	average	average	ADJ
fsr-3379	160	15	is	be	AUX
fsr-3379	160	16	about	about	ADP
fsr-3379	160	17	$	$	SYM
fsr-3379	160	18	100,000	100,000	NUM
fsr-3379	160	19	.	.	PUNCT
fsr-3379	161	1	panel	panel	NOUN
fsr-3379	161	2	b	b	PROPN
fsr-3379	161	3	presents	present	VERB
fsr-3379	161	4	accumulated	accumulate	VERB
fsr-3379	161	5	wealth	wealth	NOUN
fsr-3379	161	6	of	of	ADP
fsr-3379	161	7	the	the	DET
fsr-3379	161	8	college	college	NOUN
fsr-3379	161	9	group	group	NOUN
fsr-3379	161	10	,	,	PUNCT
fsr-3379	161	11	showing	show	VERB
fsr-3379	161	12	a	a	DET
fsr-3379	161	13	similar	similar	ADJ
fsr-3379	161	14	pattern	pattern	NOUN
fsr-3379	161	15	to	to	ADP
fsr-3379	161	16	the	the	DET
fsr-3379	161	17	high	high	ADJ
fsr-3379	161	18	school	school	NOUN
fsr-3379	161	19	group	group	NOUN
fsr-3379	161	20	where	where	SCONJ
fsr-3379	161	21	wealth	wealth	NOUN
fsr-3379	161	22	declines	decline	VERB
fsr-3379	161	23	with	with	ADP
fsr-3379	161	24	respect	respect	NOUN
fsr-3379	161	25	to	to	ADP
fsr-3379	161	26	age	age	NOUN
fsr-3379	161	27	when	when	SCONJ
fsr-3379	161	28	first	first	ADV
fsr-3379	161	29	employed	employ	VERB
fsr-3379	161	30	.	.	PUNCT
fsr-3379	162	1	when	when	SCONJ
fsr-3379	162	2	first	first	ADJ
fsr-3379	162	3	table	table	NOUN
fsr-3379	162	4	1	1	NUM
fsr-3379	162	5	characteristics	characteristic	NOUN
fsr-3379	162	6	of	of	ADP
fsr-3379	162	7	the	the	DET
fsr-3379	162	8	sample	sample	NOUN
fsr-3379	162	9	high	high	ADJ
fsr-3379	162	10	school	school	NOUN
fsr-3379	162	11	(	(	PUNCT
fsr-3379	162	12	age	age	NOUN
fsr-3379	162	13	when	when	SCONJ
fsr-3379	162	14	first	first	ADV
fsr-3379	162	15	employed	employ	VERB
fsr-3379	162	16	18	18	NUM
fsr-3379	162	17	to	to	PART
fsr-3379	162	18	35	35	NUM
fsr-3379	162	19	)	)	PUNCT
fsr-3379	162	20	college	college	NOUN
fsr-3379	162	21	�	�	PROPN
fsr-3379	162	22	(	(	PUNCT
fsr-3379	162	23	age	age	NOUN
fsr-3379	162	24	when	when	SCONJ
fsr-3379	162	25	first	first	ADV
fsr-3379	162	26	employed	employ	VERB
fsr-3379	162	27	22	22	NUM
fsr-3379	162	28	to	to	PART
fsr-3379	162	29	35	35	NUM
fsr-3379	162	30	)	)	PUNCT
fsr-3379	162	31	statistics	statistic	NOUN
fsr-3379	162	32	(	(	PUNCT
fsr-3379	162	33	p	p	X
fsr-3379	162	34	)	)	PUNCT
fsr-3379	162	35	*	*	PUNCT
fsr-3379	162	36	n	n	CCONJ
fsr-3379	162	37	2,211	2,211	NUM
fsr-3379	162	38	883	883	NUM
fsr-3379	162	39	age	age	NOUN
fsr-3379	162	40	(	(	PUNCT
fsr-3379	162	41	mean	mean	VERB
fsr-3379	162	42	,	,	PUNCT
fsr-3379	162	43	sd	sd	NOUN
fsr-3379	162	44	)	)	PUNCT
fsr-3379	162	45	59.9	59.9	NUM
fsr-3379	162	46	(	(	PUNCT
fsr-3379	162	47	3.5	3.5	NUM
fsr-3379	162	48	)	)	PUNCT
fsr-3379	162	49	60.2	60.2	NUM
fsr-3379	162	50	(	(	PUNCT
fsr-3379	162	51	3.4	3.4	NUM
fsr-3379	162	52	)	)	PUNCT
fsr-3379	162	53	�	�	PROPN
fsr-3379	162	54	1.941	1.941	NUM
fsr-3379	162	55	(	(	PUNCT
fsr-3379	162	56	.052	.052	NUM
fsr-3379	162	57	)	)	PUNCT
fsr-3379	162	58	female	female	ADJ
fsr-3379	162	59	(	(	PUNCT
fsr-3379	162	60	%	%	NOUN
fsr-3379	162	61	)	)	PUNCT
fsr-3379	163	1	56.7	56.7	NUM
fsr-3379	163	2	50.0	50.0	NUM
fsr-3379	163	3	12.877	12.877	NUM
fsr-3379	163	4	(	(	PUNCT
fsr-3379	163	5	.000	.000	NUM
fsr-3379	163	6	)	)	PUNCT
fsr-3379	163	7	white	white	ADJ
fsr-3379	163	8	(	(	PUNCT
fsr-3379	163	9	%	%	NOUN
fsr-3379	163	10	)	)	PUNCT
fsr-3379	163	11	79.3	79.3	NUM
fsr-3379	163	12	84.9	84.9	NUM
fsr-3379	163	13	14.483	14.483	NUM
fsr-3379	163	14	(	(	PUNCT
fsr-3379	163	15	.000	.000	NUM
fsr-3379	163	16	)	)	PUNCT
fsr-3379	163	17	married	marry	VERB
fsr-3379	163	18	/	/	SYM
fsr-3379	163	19	partnered	partner	VERB
fsr-3379	163	20	(	(	PUNCT
fsr-3379	163	21	%	%	INTJ
fsr-3379	163	22	)	)	PUNCT
fsr-3379	163	23	63.0	63.0	NUM
fsr-3379	163	24	73.5	73.5	NUM
fsr-3379	163	25	35.459	35.459	NUM
fsr-3379	163	26	(	(	PUNCT
fsr-3379	163	27	.000	.000	NUM
fsr-3379	163	28	)	)	PUNCT
fsr-3379	163	29	n	n	NOUN
fsr-3379	163	30	of	of	ADP
fsr-3379	163	31	people	people	NOUN
fsr-3379	163	32	in	in	ADP
fsr-3379	163	33	the	the	DET
fsr-3379	163	34	household†	household†	ADJ
fsr-3379	163	35	2.3	2.3	NUM
fsr-3379	163	36	(	(	PUNCT
fsr-3379	163	37	1.2	1.2	NUM
fsr-3379	163	38	)	)	PUNCT
fsr-3379	163	39	2.3	2.3	NUM
fsr-3379	163	40	(	(	PUNCT
fsr-3379	163	41	1.1	1.1	NUM
fsr-3379	163	42	)	)	PUNCT
fsr-3379	163	43	�	�	PROPN
fsr-3379	163	44	.250	.250	NUM
fsr-3379	163	45	(	(	PUNCT
fsr-3379	163	46	.802	.802	NUM
fsr-3379	163	47	)	)	PUNCT
fsr-3379	163	48	years	year	NOUN
fsr-3379	163	49	worked	work	VERB
fsr-3379	163	50	(	(	PUNCT
fsr-3379	163	51	mean	mean	VERB
fsr-3379	163	52	,	,	PUNCT
fsr-3379	163	53	sd	sd	NOUN
fsr-3379	163	54	)	)	PUNCT
fsr-3379	163	55	30.4	30.4	NUM
fsr-3379	163	56	(	(	PUNCT
fsr-3379	163	57	11.7	11.7	NUM
fsr-3379	163	58	)	)	PUNCT
fsr-3379	163	59	30.5	30.5	NUM
fsr-3379	163	60	(	(	PUNCT
fsr-3379	163	61	10.0	10.0	NUM
fsr-3379	163	62	)	)	PUNCT
fsr-3379	163	63	�	�	PROPN
fsr-3379	163	64	1.745	1.745	NUM
fsr-3379	163	65	(	(	PUNCT
fsr-3379	163	66	.081	.081	NUM
fsr-3379	163	67	)	)	PUNCT
fsr-3379	163	68	spouse	spouse	NOUN
fsr-3379	163	69	’s	’s	PART
fsr-3379	163	70	years	year	NOUN
fsr-3379	163	71	worked	work	VERB
fsr-3379	163	72	(	(	PUNCT
fsr-3379	163	73	mean	mean	VERB
fsr-3379	163	74	,	,	PUNCT
fsr-3379	163	75	sd	sd	NOUN
fsr-3379	163	76	)	)	PUNCT
fsr-3379	163	77	19.9	19.9	NUM
fsr-3379	163	78	(	(	PUNCT
fsr-3379	163	79	18.7	18.7	NUM
fsr-3379	163	80	)	)	PUNCT
fsr-3379	163	81	22.3	22.3	NUM
fsr-3379	163	82	(	(	PUNCT
fsr-3379	163	83	17.7	17.7	NUM
fsr-3379	163	84	)	)	PUNCT
fsr-3379	163	85	�	�	PROPN
fsr-3379	163	86	3.239	3.239	NUM
fsr-3379	163	87	(	(	PUNCT
fsr-3379	163	88	.001	.001	NUM
fsr-3379	163	89	)	)	PUNCT
fsr-3379	163	90	net	net	ADJ
fsr-3379	163	91	worth	worth	NOUN
fsr-3379	163	92	(	(	PUNCT
fsr-3379	163	93	$	$	SYM
fsr-3379	163	94	1,000	1,000	NUM
fsr-3379	163	95	)	)	PUNCT
fsr-3379	163	96	mean	mean	NOUN
fsr-3379	163	97	(	(	PUNCT
fsr-3379	163	98	sd	sd	NOUN
fsr-3379	163	99	)	)	PUNCT
fsr-3379	163	100	241.1	241.1	NUM
fsr-3379	163	101	(	(	PUNCT
fsr-3379	163	102	354.8	354.8	NUM
fsr-3379	163	103	)	)	PUNCT
fsr-3379	163	104	798.7	798.7	NUM
fsr-3379	163	105	(	(	PUNCT
fsr-3379	163	106	907.0	907.0	NUM
fsr-3379	163	107	)	)	PUNCT
fsr-3379	163	108	�	�	PROPN
fsr-3379	163	109	15.960	15.960	NUM
fsr-3379	163	110	(	(	PUNCT
fsr-3379	163	111	.000	.000	NUM
fsr-3379	163	112	)	)	PUNCT
fsr-3379	163	113	median	median	NOUN
fsr-3379	163	114	116.0	116.0	NUM
fsr-3379	163	115	460.0	460.0	NUM
fsr-3379	163	116	financial	financial	ADJ
fsr-3379	163	117	wealth	wealth	NOUN
fsr-3379	163	118	(	(	PUNCT
fsr-3379	163	119	$	$	SYM
fsr-3379	163	120	1,000	1,000	NUM
fsr-3379	163	121	)	)	PUNCT
fsr-3379	164	1	mean	mean	NOUN
fsr-3379	164	2	(	(	PUNCT
fsr-3379	164	3	sd	sd	NOUN
fsr-3379	164	4	)	)	PUNCT
fsr-3379	164	5	44.1	44.1	NUM
fsr-3379	164	6	(	(	PUNCT
fsr-3379	164	7	135.2	135.2	NUM
fsr-3379	164	8	)	)	PUNCT
fsr-3379	164	9	214.5	214.5	NUM
fsr-3379	164	10	(	(	PUNCT
fsr-3379	164	11	430.5	430.5	NUM
fsr-3379	164	12	)	)	PUNCT
fsr-3379	164	13	�	�	PROPN
fsr-3379	164	14	9.817	9.817	NUM
fsr-3379	164	15	(	(	PUNCT
fsr-3379	164	16	.000	.000	NUM
fsr-3379	164	17	)	)	PUNCT
fsr-3379	164	18	median	median	NOUN
fsr-3379	164	19	3.0	3.0	NUM
fsr-3379	164	20	40.7	40.7	NUM
fsr-3379	164	21	age	age	NOUN
fsr-3379	164	22	when	when	SCONJ
fsr-3379	164	23	first	first	ADV
fsr-3379	164	24	employed	employ	VERB
fsr-3379	164	25	(	(	PUNCT
fsr-3379	164	26	mean	mean	VERB
fsr-3379	164	27	,	,	PUNCT
fsr-3379	164	28	sd	sd	NOUN
fsr-3379	164	29	)	)	PUNCT
fsr-3379	164	30	20.8	20.8	NUM
fsr-3379	164	31	(	(	PUNCT
fsr-3379	164	32	3.3	3.3	NUM
fsr-3379	164	33	)	)	PUNCT
fsr-3379	164	34	23.9	23.9	NUM
fsr-3379	164	35	(	(	PUNCT
fsr-3379	164	36	2.2	2.2	NUM
fsr-3379	164	37	)	)	PUNCT
fsr-3379	164	38	*	*	PUNCT
fsr-3379	164	39	�	�	X
fsr-3379	164	40	2	2	NUM
fsr-3379	164	41	for	for	ADP
fsr-3379	164	42	age	age	NOUN
fsr-3379	164	43	,	,	PUNCT
fsr-3379	164	44	female	female	NOUN
fsr-3379	164	45	,	,	PUNCT
fsr-3379	164	46	white	white	ADJ
fsr-3379	164	47	,	,	PUNCT
fsr-3379	164	48	and	and	CCONJ
fsr-3379	164	49	married	married	ADJ
fsr-3379	164	50	,	,	PUNCT
fsr-3379	164	51	t	t	PROPN
fsr-3379	164	52	for	for	ADP
fsr-3379	164	53	the	the	DET
fsr-3379	164	54	other	other	ADJ
fsr-3379	164	55	variables	variable	NOUN
fsr-3379	164	56	.	.	PUNCT
fsr-3379	165	1	†	†	NOUN
fsr-3379	165	2	number	number	NOUN
fsr-3379	165	3	of	of	ADP
fsr-3379	165	4	people	people	NOUN
fsr-3379	165	5	in	in	ADP
fsr-3379	165	6	the	the	DET
fsr-3379	165	7	household	household	NOUN
fsr-3379	165	8	including	include	VERB
fsr-3379	165	9	the	the	DET
fsr-3379	165	10	respondent	respondent	NOUN
fsr-3379	165	11	,	,	PUNCT
fsr-3379	165	12	spouse	spouse	NOUN
fsr-3379	165	13	,	,	PUNCT
fsr-3379	165	14	and	and	CCONJ
fsr-3379	165	15	residents	resident	NOUN
fsr-3379	165	16	and	and	CCONJ
fsr-3379	165	17	non	non	ADJ
fsr-3379	165	18	-	-	ADJ
fsr-3379	165	19	resident	resident	ADJ
fsr-3379	165	20	children	child	NOUN
fsr-3379	165	21	.	.	PUNCT
fsr-3379	166	1	36	36	NUM
fsr-3379	166	2	h.	h.	PROPN
fsr-3379	166	3	kim	kim	PROPN
fsr-3379	166	4	et	et	PROPN
fsr-3379	166	5	al	al	PROPN
fsr-3379	166	6	.	.	PUNCT
fsr-3379	166	7	/	/	SYM
fsr-3379	166	8	financial	financial	ADJ
fsr-3379	166	9	services	service	NOUN
fsr-3379	166	10	review	review	VERB
fsr-3379	166	11	27	27	NUM
fsr-3379	166	12	(	(	PUNCT
fsr-3379	166	13	2018	2018	NUM
fsr-3379	166	14	)	)	PUNCT
fsr-3379	166	15	29	29	NUM
fsr-3379	166	16	-	-	SYM
fsr-3379	166	17	45	45	NUM
fsr-3379	166	18	employed	employ	VERB
fsr-3379	166	19	at	at	ADP
fsr-3379	166	20	age	age	NOUN
fsr-3379	166	21	22	22	NUM
fsr-3379	166	22	,	,	PUNCT
fsr-3379	166	23	right	right	ADV
fsr-3379	166	24	after	after	ADP
fsr-3379	166	25	college	college	NOUN
fsr-3379	166	26	graduation	graduation	NOUN
fsr-3379	166	27	,	,	PUNCT
fsr-3379	166	28	current	current	ADJ
fsr-3379	166	29	accumulated	accumulate	VERB
fsr-3379	166	30	wealth	wealth	NOUN
fsr-3379	166	31	is	be	AUX
fsr-3379	166	32	about	about	ADV
fsr-3379	166	33	$	$	SYM
fsr-3379	166	34	700,000	700,000	NUM
fsr-3379	166	35	.	.	PUNCT
fsr-3379	167	1	when	when	SCONJ
fsr-3379	167	2	age	age	NOUN
fsr-3379	167	3	increased	increase	VERB
fsr-3379	167	4	to	to	ADP
fsr-3379	167	5	29	29	NUM
fsr-3379	167	6	or	or	CCONJ
fsr-3379	167	7	older	old	ADJ
fsr-3379	167	8	,	,	PUNCT
fsr-3379	167	9	wealth	wealth	NOUN
fsr-3379	167	10	levels	level	NOUN
fsr-3379	167	11	are	be	AUX
fsr-3379	167	12	about	about	ADP
fsr-3379	167	13	$	$	SYM
fsr-3379	167	14	300,000	300,000	NUM
fsr-3379	167	15	.	.	PUNCT
fsr-3379	168	1	the	the	DET
fsr-3379	168	2	results	result	NOUN
fsr-3379	168	3	of	of	ADP
fsr-3379	168	4	the	the	DET
fsr-3379	168	5	regression	regression	NOUN
fsr-3379	168	6	analyses	analysis	NOUN
fsr-3379	168	7	by	by	ADP
fsr-3379	168	8	each	each	DET
fsr-3379	168	9	group	group	NOUN
fsr-3379	168	10	are	be	AUX
fsr-3379	168	11	presented	present	VERB
fsr-3379	168	12	in	in	ADP
fsr-3379	168	13	table	table	NOUN
fsr-3379	168	14	2	2	NUM
fsr-3379	168	15	to	to	PART
fsr-3379	168	16	estimate	estimate	VERB
fsr-3379	168	17	the	the	DET
fsr-3379	168	18	relationship	relationship	NOUN
fsr-3379	168	19	between	between	ADP
fsr-3379	168	20	age	age	NOUN
fsr-3379	168	21	when	when	SCONJ
fsr-3379	168	22	first	first	ADV
fsr-3379	168	23	employed	employ	VERB
fsr-3379	168	24	and	and	CCONJ
fsr-3379	168	25	retirement	retirement	NOUN
fsr-3379	168	26	wealth	wealth	NOUN
fsr-3379	168	27	.	.	PUNCT
fsr-3379	169	1	panel	panel	NOUN
fsr-3379	169	2	a	a	DET
fsr-3379	169	3	shows	show	VERB
fsr-3379	169	4	the	the	DET
fsr-3379	169	5	results	result	NOUN
fsr-3379	169	6	of	of	ADP
fsr-3379	169	7	the	the	DET
fsr-3379	169	8	high	high	ADJ
fsr-3379	169	9	school	school	NOUN
fsr-3379	169	10	group	group	NOUN
fsr-3379	169	11	.	.	PUNCT
fsr-3379	170	1	model	model	NOUN
fsr-3379	170	2	1	1	NUM
fsr-3379	170	3	includes	include	VERB
fsr-3379	170	4	a	a	DET
fsr-3379	170	5	relevant	relevant	ADJ
fsr-3379	170	6	variable	variable	NOUN
fsr-3379	170	7	of	of	ADP
fsr-3379	170	8	age	age	NOUN
fsr-3379	170	9	when	when	SCONJ
fsr-3379	170	10	first	first	ADV
fsr-3379	170	11	employed	employ	VERB
fsr-3379	170	12	only	only	ADV
fsr-3379	170	13	.	.	PUNCT
fsr-3379	171	1	model	model	NOUN
fsr-3379	171	2	2	2	NUM
fsr-3379	171	3	adds	add	VERB
fsr-3379	171	4	the	the	DET
fsr-3379	171	5	number	number	NOUN
fsr-3379	171	6	of	of	ADP
fsr-3379	171	7	working	work	VERB
fsr-3379	171	8	years	year	NOUN
fsr-3379	171	9	to	to	PART
fsr-3379	171	10	model	model	VERB
fsr-3379	171	11	1	1	NUM
fsr-3379	171	12	,	,	PUNCT
fsr-3379	171	13	and	and	CCONJ
fsr-3379	171	14	model	model	NOUN
fsr-3379	171	15	3	3	NUM
fsr-3379	171	16	includes	include	VERB
fsr-3379	171	17	demographic	demographic	ADJ
fsr-3379	171	18	characteristics	characteristic	NOUN
fsr-3379	171	19	as	as	ADV
fsr-3379	171	20	well	well	ADV
fsr-3379	171	21	as	as	ADP
fsr-3379	171	22	occupation	occupation	NOUN
fsr-3379	171	23	type	type	NOUN
fsr-3379	171	24	to	to	PART
fsr-3379	171	25	model	model	NOUN
fsr-3379	171	26	2	2	NUM
fsr-3379	171	27	.	.	PUNCT
fsr-3379	172	1	the	the	DET
fsr-3379	172	2	coefficients	coefficient	NOUN
fsr-3379	172	3	of	of	ADP
fsr-3379	172	4	age	age	NOUN
fsr-3379	172	5	when	when	SCONJ
fsr-3379	172	6	first	first	ADV
fsr-3379	172	7	employed	employ	VERB
fsr-3379	172	8	are	be	AUX
fsr-3379	172	9	statistically	statistically	ADV
fsr-3379	172	10	significant	significant	ADJ
fsr-3379	172	11	across	across	ADP
fsr-3379	172	12	all	all	DET
fsr-3379	172	13	models	model	NOUN
fsr-3379	172	14	and	and	CCONJ
fsr-3379	172	15	qualitatively	qualitatively	ADV
fsr-3379	172	16	consistent	consistent	ADJ
fsr-3379	172	17	.	.	PUNCT
fsr-3379	173	1	thus	thus	ADV
fsr-3379	173	2	,	,	PUNCT
fsr-3379	173	3	we	we	PRON
fsr-3379	173	4	present	present	VERB
fsr-3379	173	5	the	the	DET
fsr-3379	173	6	results	result	NOUN
fsr-3379	173	7	of	of	ADP
fsr-3379	173	8	model	model	NOUN
fsr-3379	173	9	3	3	NUM
fsr-3379	173	10	.	.	PUNCT
fsr-3379	173	11	age	age	NOUN
fsr-3379	173	12	when	when	SCONJ
fsr-3379	173	13	first	first	ADV
fsr-3379	173	14	employed	employ	VERB
fsr-3379	173	15	is	be	AUX
fsr-3379	173	16	negatively	negatively	ADV
fsr-3379	173	17	related	relate	VERB
fsr-3379	173	18	fig	fig	NOUN
fsr-3379	173	19	.	.	PUNCT
fsr-3379	174	1	1	1	X
fsr-3379	174	2	.	.	X
fsr-3379	174	3	accumulated	accumulate	VERB
fsr-3379	174	4	retirement	retirement	NOUN
fsr-3379	174	5	wealth	wealth	NOUN
fsr-3379	174	6	(	(	PUNCT
fsr-3379	174	7	net	net	ADJ
fsr-3379	174	8	worth	worth	ADJ
fsr-3379	174	9	)	)	PUNCT
fsr-3379	174	10	distribution	distribution	NOUN
fsr-3379	174	11	by	by	ADP
fsr-3379	174	12	age	age	NOUN
fsr-3379	174	13	when	when	SCONJ
fsr-3379	174	14	first	first	ADV
fsr-3379	174	15	employed	employ	VERB
fsr-3379	174	16	.	.	PUNCT
fsr-3379	175	1	(	(	PUNCT
fsr-3379	175	2	a	a	X
fsr-3379	175	3	)	)	PUNCT
fsr-3379	175	4	high	high	ADJ
fsr-3379	175	5	school	school	NOUN
fsr-3379	175	6	(	(	PUNCT
fsr-3379	175	7	age	age	NOUN
fsr-3379	175	8	when	when	SCONJ
fsr-3379	175	9	first	first	ADV
fsr-3379	175	10	employed	employ	VERB
fsr-3379	175	11	18	18	NUM
fsr-3379	175	12	to	to	PART
fsr-3379	175	13	35	35	NUM
fsr-3379	175	14	)	)	PUNCT
fsr-3379	175	15	.	.	PUNCT
fsr-3379	176	1	(	(	PUNCT
fsr-3379	176	2	b	b	X
fsr-3379	176	3	)	)	PUNCT
fsr-3379	176	4	college	college	NOUN
fsr-3379	176	5	�	�	PROPN
fsr-3379	176	6	(	(	PUNCT
fsr-3379	176	7	age	age	NOUN
fsr-3379	176	8	when	when	SCONJ
fsr-3379	176	9	first	first	ADV
fsr-3379	176	10	employed	employ	VERB
fsr-3379	176	11	22	22	NUM
fsr-3379	176	12	to	to	ADP
fsr-3379	176	13	35	35	NUM
fsr-3379	176	14	)	)	PUNCT
fsr-3379	176	15	.	.	PUNCT
fsr-3379	177	1	note	note	NOUN
fsr-3379	177	2	:	:	PUNCT
fsr-3379	178	1	mean	mean	VERB
fsr-3379	178	2	and	and	CCONJ
fsr-3379	178	3	95	95	NUM
fsr-3379	178	4	%	%	NOUN
fsr-3379	178	5	confidence	confidence	NOUN
fsr-3379	178	6	interval	interval	NOUN
fsr-3379	178	7	.	.	PUNCT
fsr-3379	179	1	37h	37h	NUM
fsr-3379	179	2	.	.	PUNCT
fsr-3379	180	1	kim	kim	PROPN
fsr-3379	180	2	et	et	PROPN
fsr-3379	180	3	al	al	PROPN
fsr-3379	180	4	.	.	PUNCT
fsr-3379	180	5	/	/	SYM
fsr-3379	180	6	financial	financial	ADJ
fsr-3379	180	7	services	service	NOUN
fsr-3379	180	8	review	review	VERB
fsr-3379	180	9	27	27	NUM
fsr-3379	180	10	(	(	PUNCT
fsr-3379	180	11	2018	2018	NUM
fsr-3379	180	12	)	)	PUNCT
fsr-3379	180	13	29	29	NUM
fsr-3379	180	14	-	-	SYM
fsr-3379	180	15	45	45	NUM
fsr-3379	180	16	t	t	PROPN
fsr-3379	180	17	ab	ab	X
fsr-3379	180	18	le	le	X
fsr-3379	180	19	2	2	NUM
fsr-3379	180	20	r	r	NOUN
fsr-3379	180	21	eg	eg	NOUN
fsr-3379	180	22	re	re	NOUN
fsr-3379	180	23	ss	ss	PROPN
fsr-3379	180	24	io	io	PROPN
fsr-3379	180	25	n	n	PROPN
fsr-3379	180	26	re	re	PROPN
fsr-3379	180	27	su	su	PROPN
fsr-3379	180	28	lts	lts	PROPN
fsr-3379	180	29	(	(	PUNCT
fsr-3379	180	30	a	a	X
fsr-3379	180	31	)	)	PUNCT
fsr-3379	180	32	h	h	NOUN
fsr-3379	180	33	ig	ig	PROPN
fsr-3379	180	34	h	h	PROPN
fsr-3379	180	35	sc	sc	NOUN
fsr-3379	180	36	ho	ho	PROPN
fsr-3379	180	37	ol	ol	PROPN
fsr-3379	180	38	(	(	PUNCT
fsr-3379	180	39	a	a	DET
fsr-3379	180	40	ge	ge	PROPN
fsr-3379	181	1	w	w	PROPN
fsr-3379	181	2	he	he	PRON
fsr-3379	181	3	n	n	PROPN
fsr-3379	181	4	fir	fir	PROPN
fsr-3379	181	5	st	st	PROPN
fsr-3379	181	6	em	em	PRON
fsr-3379	181	7	pl	pl	PROPN
fsr-3379	181	8	oy	oy	NOUN
fsr-3379	181	9	ed	ed	NOUN
fsr-3379	181	10	18	18	NUM
fsr-3379	181	11	to	to	PART
fsr-3379	181	12	35	35	NUM
fsr-3379	181	13	)	)	PUNCT
fsr-3379	181	14	m	m	VERB
fsr-3379	181	15	od	od	PROPN
fsr-3379	181	16	el	el	PROPN
fsr-3379	181	17	1	1	NUM
fsr-3379	181	18	m	m	PROPN
fsr-3379	181	19	od	od	PROPN
fsr-3379	181	20	el	el	PROPN
fsr-3379	181	21	2	2	NUM
fsr-3379	181	22	m	m	PROPN
fsr-3379	181	23	od	od	PROPN
fsr-3379	181	24	el	el	PROPN
fsr-3379	181	25	3	3	NUM
fsr-3379	181	26	b	b	PROPN
fsr-3379	181	27	(	(	PUNCT
fsr-3379	181	28	s	s	NOUN
fsr-3379	181	29	e	e	NOUN
fsr-3379	181	30	)	)	PUNCT
fsr-3379	181	31	�	�	PROPN
fsr-3379	181	32	p	p	NOUN
fsr-3379	181	33	b	b	PROPN
fsr-3379	181	34	(	(	PUNCT
fsr-3379	181	35	s	s	NOUN
fsr-3379	181	36	e	e	NOUN
fsr-3379	181	37	)	)	PUNCT
fsr-3379	181	38	�	�	PROPN
fsr-3379	181	39	p	p	NOUN
fsr-3379	181	40	b	b	PROPN
fsr-3379	181	41	(	(	PUNCT
fsr-3379	181	42	s	s	NOUN
fsr-3379	181	43	e	e	NOUN
fsr-3379	181	44	)	)	PUNCT
fsr-3379	181	45	�	�	PROPN
fsr-3379	181	46	p	p	PROPN
fsr-3379	181	47	a	a	DET
fsr-3379	181	48	ge	ge	PROPN
fsr-3379	181	49	w	w	PROPN
fsr-3379	181	50	he	he	PRON
fsr-3379	181	51	n	n	PROPN
fsr-3379	181	52	fir	fir	PROPN
fsr-3379	181	53	st	st	PROPN
fsr-3379	182	1	em	em	PROPN
fsr-3379	182	2	pl	pl	PROPN
fsr-3379	182	3	oy	oy	PROPN
fsr-3379	182	4	ed	ed	PROPN
fsr-3379	182	5	�	�	PROPN
fsr-3379	182	6	14	14	NUM
fsr-3379	182	7	,	,	PUNCT
fsr-3379	182	8	0	0	NUM
fsr-3379	182	9	97	97	NUM
fsr-3379	182	10	(	(	PUNCT
fsr-3379	182	11	2	2	NUM
fsr-3379	182	12	,	,	PUNCT
fsr-3379	182	13	3	3	NUM
fsr-3379	182	14	93	93	NUM
fsr-3379	182	15	)	)	PUNCT
fsr-3379	182	16	�	�	PROPN
fsr-3379	182	17	.1	.1	NUM
fsr-3379	183	1	26	26	NUM
fsr-3379	183	2	.0	.0	NUM
fsr-3379	183	3	00	00	PUNCT
fsr-3379	183	4	�	�	PROPN
fsr-3379	183	5	8	8	NUM
fsr-3379	183	6	,	,	PUNCT
fsr-3379	183	7	97	97	NUM
fsr-3379	183	8	7	7	NUM
fsr-3379	183	9	(	(	PUNCT
fsr-3379	183	10	2	2	NUM
fsr-3379	183	11	,	,	PUNCT
fsr-3379	183	12	4	4	NUM
fsr-3379	183	13	14	14	NUM
fsr-3379	183	14	)	)	PUNCT
fsr-3379	183	15	�	�	PROPN
fsr-3379	183	16	.0	.0	NUM
fsr-3379	183	17	81	81	NUM
fsr-3379	183	18	.0	.0	NUM
fsr-3379	183	19	00	00	PUNCT
fsr-3379	183	20	�	�	PROPN
fsr-3379	183	21	7	7	NUM
fsr-3379	183	22	,	,	PUNCT
fsr-3379	183	23	53	53	NUM
fsr-3379	183	24	4	4	NUM
fsr-3379	183	25	(	(	PUNCT
fsr-3379	183	26	2	2	NUM
fsr-3379	183	27	,	,	PUNCT
fsr-3379	183	28	5	5	NUM
fsr-3379	183	29	17	17	NUM
fsr-3379	183	30	)	)	PUNCT
fsr-3379	183	31	�	�	PROPN
fsr-3379	183	32	.0	.0	NUM
fsr-3379	184	1	68	68	NUM
fsr-3379	184	2	.0	.0	NUM
fsr-3379	184	3	03	03	NUM
fsr-3379	185	1	y	y	PROPN
fsr-3379	185	2	ea	ea	PROPN
fsr-3379	185	3	rs	rs	PROPN
fsr-3379	185	4	w	w	PROPN
fsr-3379	185	5	or	or	CCONJ
fsr-3379	185	6	ke	ke	NOUN
fsr-3379	185	7	d	d	PROPN
fsr-3379	185	8	5	5	NUM
fsr-3379	185	9	,	,	PUNCT
fsr-3379	185	10	99	99	NUM
fsr-3379	185	11	9	9	NUM
fsr-3379	185	12	(	(	PUNCT
fsr-3379	185	13	6	6	NUM
fsr-3379	185	14	56	56	NUM
fsr-3379	185	15	)	)	PUNCT
fsr-3379	185	16	.1	.1	NUM
fsr-3379	185	17	98	98	NUM
fsr-3379	186	1	.0	.0	NUM
fsr-3379	186	2	00	00	NUM
fsr-3379	186	3	3	3	NUM
fsr-3379	186	4	,	,	PUNCT
fsr-3379	186	5	60	60	NUM
fsr-3379	186	6	0	0	NUM
fsr-3379	186	7	(	(	PUNCT
fsr-3379	186	8	7	7	NUM
fsr-3379	186	9	62	62	NUM
fsr-3379	186	10	)	)	PUNCT
fsr-3379	186	11	.1	.1	NUM
fsr-3379	187	1	19	19	NUM
fsr-3379	187	2	.0	.0	NUM
fsr-3379	187	3	00	00	PUNCT
fsr-3379	187	4	a	a	DET
fsr-3379	187	5	ge	ge	PROPN
fsr-3379	187	6	2	2	NUM
fsr-3379	187	7	,	,	PUNCT
fsr-3379	187	8	19	19	NUM
fsr-3379	187	9	2	2	NUM
fsr-3379	187	10	(	(	PUNCT
fsr-3379	187	11	2	2	NUM
fsr-3379	187	12	,	,	PUNCT
fsr-3379	187	13	4	4	NUM
fsr-3379	187	14	66	66	NUM
fsr-3379	187	15	)	)	PUNCT
fsr-3379	187	16	.0	.0	NUM
fsr-3379	188	1	22	22	NUM
fsr-3379	188	2	.3	.3	NUM
fsr-3379	188	3	74	74	NUM
fsr-3379	188	4	g	g	NOUN
fsr-3379	188	5	en	en	X
fsr-3379	188	6	de	de	X
fsr-3379	188	7	r	r	X
fsr-3379	188	8	fe	fe	X
fsr-3379	188	9	m	m	PROPN
fsr-3379	188	10	al	al	PROPN
fsr-3379	188	11	e	e	PROPN
fsr-3379	188	12	�	�	PROPN
fsr-3379	188	13	18	18	NUM
fsr-3379	188	14	,	,	PUNCT
fsr-3379	188	15	8	8	NUM
fsr-3379	188	16	16	16	NUM
fsr-3379	188	17	(	(	PUNCT
fsr-3379	188	18	1	1	NUM
fsr-3379	188	19	9	9	NUM
fsr-3379	188	20	,	,	PUNCT
fsr-3379	188	21	25	25	NUM
fsr-3379	188	22	1	1	NUM
fsr-3379	188	23	)	)	PUNCT
fsr-3379	188	24	�	�	PROPN
fsr-3379	188	25	.0	.0	NUM
fsr-3379	189	1	26	26	NUM
fsr-3379	189	2	.3	.3	NUM
fsr-3379	189	3	28	28	NUM
fsr-3379	189	4	r	r	NOUN
fsr-3379	189	5	ac	ac	NOUN
fsr-3379	189	6	e	e	PROPN
fsr-3379	189	7	n	n	CCONJ
fsr-3379	189	8	on	on	ADP
fsr-3379	189	9	-w	-w	PUNCT
fsr-3379	189	10	hi	hi	INTJ
fsr-3379	189	11	te	te	ADP
fsr-3379	189	12	�	�	PROPN
fsr-3379	189	13	89	89	NUM
fsr-3379	189	14	,	,	PUNCT
fsr-3379	189	15	6	6	NUM
fsr-3379	189	16	38	38	NUM
fsr-3379	189	17	(	(	PUNCT
fsr-3379	189	18	1	1	NUM
fsr-3379	189	19	9	9	NUM
fsr-3379	189	20	,	,	PUNCT
fsr-3379	189	21	77	77	NUM
fsr-3379	189	22	2	2	NUM
fsr-3379	189	23	)	)	PUNCT
fsr-3379	189	24	�	�	PROPN
fsr-3379	189	25	.1	.1	NUM
fsr-3379	189	26	03	03	NUM
fsr-3379	190	1	.0	.0	NUM
fsr-3379	190	2	00	00	NUM
fsr-3379	190	3	m	m	PROPN
fsr-3379	190	4	ar	ar	PROPN
fsr-3379	190	5	ita	ita	PROPN
fsr-3379	190	6	l	l	PROPN
fsr-3379	190	7	st	st	PROPN
fsr-3379	191	1	at	at	ADP
fsr-3379	191	2	us	we	PRON
fsr-3379	191	3	si	si	PROPN
fsr-3379	191	4	ng	ng	PROPN
fsr-3379	191	5	le	le	PROPN
fsr-3379	191	6	/u	/u	PROPN
fsr-3379	191	7	nm	nm	PROPN
fsr-3379	191	8	ar	ar	PROPN
fsr-3379	191	9	ri	ri	PROPN
fsr-3379	191	10	ed	ed	PROPN
fsr-3379	191	11	�	�	PROPN
fsr-3379	191	12	48	48	NUM
fsr-3379	191	13	,	,	PUNCT
fsr-3379	191	14	7	7	NUM
fsr-3379	191	15	84	84	NUM
fsr-3379	191	16	(	(	PUNCT
fsr-3379	191	17	2	2	NUM
fsr-3379	191	18	4	4	NUM
fsr-3379	191	19	,	,	PUNCT
fsr-3379	191	20	75	75	NUM
fsr-3379	191	21	8)	8)	NUM
fsr-3379	191	22	�	�	NOUN
fsr-3379	191	23	.0	.0	NUM
fsr-3379	192	1	67	67	NUM
fsr-3379	192	2	.0	.0	NUM
fsr-3379	192	3	49	49	NUM
fsr-3379	192	4	n	n	NOUN
fsr-3379	192	5	of	of	ADP
fsr-3379	192	6	pe	pe	INTJ
fsr-3379	192	7	op	op	NOUN
fsr-3379	192	8	le	le	X
fsr-3379	192	9	in	in	ADP
fsr-3379	192	10	th	th	X
fsr-3379	192	11	e	e	NOUN
fsr-3379	192	12	ho	ho	PROPN
fsr-3379	192	13	us	us	PROPN
fsr-3379	192	14	eh	eh	INTJ
fsr-3379	192	15	ol	ol	PROPN
fsr-3379	192	16	d	d	PROPN
fsr-3379	192	17	�	�	PROPN
fsr-3379	192	18	10	10	NUM
fsr-3379	192	19	,	,	PUNCT
fsr-3379	192	20	1	1	NUM
fsr-3379	192	21	96	96	NUM
fsr-3379	192	22	(	(	PUNCT
fsr-3379	192	23	7	7	NUM
fsr-3379	192	24	,	,	PUNCT
fsr-3379	192	25	1	1	NUM
fsr-3379	192	26	47	47	NUM
fsr-3379	192	27	)	)	PUNCT
fsr-3379	192	28	�	�	PROPN
fsr-3379	192	29	.0	.0	NUM
fsr-3379	193	1	34	34	NUM
fsr-3379	193	2	.1	.1	NUM
fsr-3379	193	3	54	54	NUM
fsr-3379	193	4	sp	sp	ADP
fsr-3379	193	5	ou	ou	X
fsr-3379	193	6	se	se	PROPN
fsr-3379	193	7	’s	’s	PROPN
fsr-3379	193	8	ye	ye	PROPN
fsr-3379	193	9	ar	ar	PROPN
fsr-3379	193	10	s	s	PROPN
fsr-3379	193	11	w	w	PROPN
fsr-3379	193	12	or	or	CCONJ
fsr-3379	193	13	ke	ke	NOUN
fsr-3379	193	14	d	d	PROPN
fsr-3379	193	15	3	3	NUM
fsr-3379	193	16	,	,	PUNCT
fsr-3379	193	17	95	95	NUM
fsr-3379	193	18	3	3	NUM
fsr-3379	193	19	(	(	PUNCT
fsr-3379	193	20	6	6	NUM
fsr-3379	193	21	46	46	NUM
fsr-3379	193	22	)	)	PUNCT
fsr-3379	193	23	.2	.2	NUM
fsr-3379	193	24	09	09	NUM
fsr-3379	193	25	.0	.0	NUM
fsr-3379	193	26	00	00	NUM
fsr-3379	194	1	o	o	NOUN
fsr-3379	194	2	cc	cc	VERB
fsr-3379	194	3	up	up	ADP
fsr-3379	194	4	at	at	ADP
fsr-3379	194	5	io	io	PROPN
fsr-3379	194	6	n	n	ADV
fsr-3379	194	7	ty	ty	INTJ
fsr-3379	194	8	pe	pe	INTJ
fsr-3379	194	9	m	m	VERB
fsr-3379	194	10	an	an	DET
fsr-3379	194	11	ag	ag	PROPN
fsr-3379	194	12	em	em	PRON
fsr-3379	194	13	en	en	PROPN
fsr-3379	194	14	t	t	PROPN
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fsr-3379	194	16	,	,	PUNCT
fsr-3379	194	17	9	9	NUM
fsr-3379	194	18	28	28	NUM
fsr-3379	194	19	(	(	PUNCT
fsr-3379	194	20	3	3	NUM
fsr-3379	194	21	3	3	NUM
fsr-3379	194	22	,	,	PUNCT
fsr-3379	194	23	96	96	NUM
fsr-3379	194	24	9	9	NUM
fsr-3379	194	25	)	)	PUNCT
fsr-3379	194	26	.0	.0	NUM
fsr-3379	195	1	46	46	NUM
fsr-3379	195	2	.0	.0	NUM
fsr-3379	196	1	60	60	NUM
fsr-3379	196	2	b	b	NOUN
fsr-3379	196	3	us	we	PRON
fsr-3379	196	4	in	in	ADP
fsr-3379	196	5	es	es	X
fsr-3379	196	6	s/	s/	PRON
fsr-3379	196	7	fin	fin	NOUN
fsr-3379	196	8	an	an	DET
fsr-3379	196	9	ci	ci	NOUN
fsr-3379	196	10	al	al	PROPN
fsr-3379	196	11	op	op	NOUN
fsr-3379	196	12	er	er	INTJ
fsr-3379	196	13	at	at	ADP
fsr-3379	196	14	io	io	PROPN
fsr-3379	196	15	n	n	PRON
fsr-3379	196	16	3	3	NUM
fsr-3379	196	17	,	,	PUNCT
fsr-3379	196	18	54	54	NUM
fsr-3379	196	19	1	1	NUM
fsr-3379	196	20	(	(	PUNCT
fsr-3379	196	21	4	4	NUM
fsr-3379	196	22	5	5	NUM
fsr-3379	196	23	,	,	PUNCT
fsr-3379	196	24	59	59	NUM
fsr-3379	196	25	2	2	NUM
fsr-3379	196	26	)	)	PUNCT
fsr-3379	196	27	.0	.0	NUM
fsr-3379	196	28	02	02	NUM
fsr-3379	196	29	.9	.9	NUM
fsr-3379	196	30	38	38	NUM
fsr-3379	196	31	c	c	NOUN
fsr-3379	196	32	om	om	PROPN
fsr-3379	196	33	pu	pu	PROPN
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fsr-3379	196	35	r/	r/	NOUN
fsr-3379	196	36	m	m	VERB
fsr-3379	196	37	at	at	ADP
fsr-3379	196	38	he	he	PRON
fsr-3379	196	39	m	m	VERB
fsr-3379	196	40	at	at	ADP
fsr-3379	196	41	ic	ic	PROPN
fsr-3379	196	42	al	al	PROPN
fsr-3379	196	43	�	�	PROPN
fsr-3379	196	44	80	80	NUM
fsr-3379	196	45	,	,	PUNCT
fsr-3379	196	46	9	9	NUM
fsr-3379	196	47	46	46	NUM
fsr-3379	196	48	(	(	PUNCT
fsr-3379	196	49	7	7	NUM
fsr-3379	196	50	4	4	NUM
fsr-3379	196	51	,	,	PUNCT
fsr-3379	196	52	79	79	NUM
fsr-3379	196	53	2	2	NUM
fsr-3379	196	54	)	)	PUNCT
fsr-3379	196	55	�	�	PROPN
fsr-3379	196	56	.0	.0	NUM
fsr-3379	196	57	24	24	NUM
fsr-3379	196	58	.2	.2	NUM
fsr-3379	196	59	79	79	NUM
fsr-3379	196	60	a	a	DET
fsr-3379	196	61	rc	rc	PROPN
fsr-3379	197	1	hi	hi	INTJ
fsr-3379	197	2	te	te	INTJ
fsr-3379	197	3	ct	ct	INTJ
fsr-3379	197	4	ur	ur	INTJ
fsr-3379	197	5	e/	e/	INTJ
fsr-3379	197	6	en	en	INTJ
fsr-3379	197	7	gi	gi	INTJ
fsr-3379	197	8	ne	ne	X
fsr-3379	197	9	er	er	INTJ
fsr-3379	197	10	in	in	ADP
fsr-3379	197	11	g	g	PROPN
fsr-3379	197	12	39	39	NUM
fsr-3379	197	13	,	,	PUNCT
fsr-3379	197	14	5	5	NUM
fsr-3379	197	15	49	49	NUM
fsr-3379	197	16	(	(	PUNCT
fsr-3379	197	17	6	6	NUM
fsr-3379	197	18	7	7	NUM
fsr-3379	197	19	,	,	PUNCT
fsr-3379	197	20	91	91	NUM
fsr-3379	197	21	7	7	NUM
fsr-3379	197	22	)	)	PUNCT
fsr-3379	197	23	.0	.0	NUM
fsr-3379	197	24	13	13	NUM
fsr-3379	197	25	.5	.5	NUM
fsr-3379	198	1	60	60	NUM
fsr-3379	198	2	l	l	NOUN
fsr-3379	198	3	if	if	SCONJ
fsr-3379	198	4	e/	e/	PROPN
fsr-3379	198	5	ph	ph	PROPN
fsr-3379	199	1	ys	ys	PROPN
fsr-3379	199	2	ic	ic	PROPN
fsr-3379	199	3	al	al	PROPN
fsr-3379	199	4	/s	/s	PUNCT
fsr-3379	199	5	oc	oc	PROPN
fsr-3379	199	6	ia	ia	PROPN
fsr-3379	199	7	l	l	PROPN
fsr-3379	199	8	sc	sc	PROPN
fsr-3379	199	9	ie	ie	X
fsr-3379	199	10	nc	nc	PROPN
fsr-3379	199	11	e	e	PROPN
fsr-3379	199	12	�	�	PROPN
fsr-3379	199	13	76	76	NUM
fsr-3379	199	14	5	5	NUM
fsr-3379	199	15	(	(	PUNCT
fsr-3379	199	16	1	1	NUM
fsr-3379	199	17	76	76	NUM
fsr-3379	199	18	,	,	PUNCT
fsr-3379	199	19	5	5	NUM
fsr-3379	199	20	34	34	NUM
fsr-3379	199	21	)	)	PUNCT
fsr-3379	199	22	.0	.0	NUM
fsr-3379	199	23	00	00	PUNCT
fsr-3379	200	1	.9	.9	NUM
fsr-3379	200	2	97	97	NUM
fsr-3379	201	1	c	c	NOUN
fsr-3379	201	2	om	om	PROPN
fsr-3379	201	3	m	m	PROPN
fsr-3379	201	4	un	un	PROPN
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fsr-3379	201	6	/s	/s	PUNCT
fsr-3379	201	7	oc	oc	PROPN
fsr-3379	201	8	ia	ia	PROPN
fsr-3379	201	9	l	l	PROPN
fsr-3379	201	10	se	se	PROPN
fsr-3379	201	11	rv	rv	PROPN
fsr-3379	202	1	ic	ic	PROPN
fsr-3379	202	2	e	e	PROPN
fsr-3379	202	3	�	�	PROPN
fsr-3379	202	4	64	64	NUM
fsr-3379	202	5	,	,	PUNCT
fsr-3379	202	6	7	7	NUM
fsr-3379	202	7	43	43	NUM
fsr-3379	202	8	(	(	PUNCT
fsr-3379	202	9	9	9	NUM
fsr-3379	202	10	5	5	NUM
fsr-3379	202	11	,	,	PUNCT
fsr-3379	202	12	47	47	NUM
fsr-3379	202	13	4	4	NUM
fsr-3379	202	14	)	)	PUNCT
fsr-3379	202	15	�	�	PROPN
fsr-3379	202	16	.0	.0	NUM
fsr-3379	202	17	15	15	NUM
fsr-3379	202	18	.4	.4	NUM
fsr-3379	202	19	98	98	NUM
fsr-3379	202	20	l	l	NOUN
fsr-3379	202	21	eg	eg	NOUN
fsr-3379	202	22	al	al	PROPN
fsr-3379	202	23	57	57	NUM
fsr-3379	202	24	,	,	PUNCT
fsr-3379	202	25	2	2	NUM
fsr-3379	202	26	59	59	NUM
fsr-3379	202	27	(	(	PUNCT
fsr-3379	202	28	2	2	NUM
fsr-3379	202	29	18	18	NUM
fsr-3379	202	30	,	,	PUNCT
fsr-3379	202	31	8	8	NUM
fsr-3379	202	32	39	39	NUM
fsr-3379	202	33	)	)	PUNCT
fsr-3379	202	34	.0	.0	NUM
fsr-3379	202	35	06	06	NUM
fsr-3379	203	1	.7	.7	NUM
fsr-3379	203	2	94	94	NUM
fsr-3379	203	3	e	e	AUX
fsr-3379	203	4	du	du	PROPN
fsr-3379	203	5	ca	can	AUX
fsr-3379	203	6	tio	tio	ADV
fsr-3379	203	7	n/	n/	ADV
fsr-3379	203	8	tr	tr	VERB
fsr-3379	203	9	ai	ai	PROPN
fsr-3379	203	10	ni	ni	PROPN
fsr-3379	203	11	ng	ng	PROPN
fsr-3379	203	12	/li	/li	PUNCT
fsr-3379	203	13	br	br	PROPN
fsr-3379	203	14	ar	ar	PROPN
fsr-3379	203	15	y	y	PROPN
fsr-3379	203	16	�	�	PROPN
fsr-3379	203	17	3	3	NUM
fsr-3379	203	18	,	,	PUNCT
fsr-3379	203	19	48	48	NUM
fsr-3379	203	20	6	6	NUM
fsr-3379	203	21	(	(	PUNCT
fsr-3379	203	22	5	5	NUM
fsr-3379	203	23	2	2	NUM
fsr-3379	203	24	,	,	PUNCT
fsr-3379	203	25	60	60	NUM
fsr-3379	203	26	9	9	NUM
fsr-3379	203	27	)	)	PUNCT
fsr-3379	203	28	�	�	NOUN
fsr-3379	203	29	.0	.0	NUM
fsr-3379	203	30	01	01	NUM
fsr-3379	204	1	.9	.9	NUM
fsr-3379	204	2	47	47	NUM
fsr-3379	204	3	a	a	DET
fsr-3379	204	4	rt	rt	PROPN
fsr-3379	204	5	s/	s/	NOUN
fsr-3379	204	6	de	de	PROPN
fsr-3379	204	7	si	si	PROPN
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fsr-3379	204	9	/s	/s	PUNCT
fsr-3379	204	10	po	po	PROPN
fsr-3379	205	1	rt	rt	PROPN
fsr-3379	205	2	s/	s/	NOUN
fsr-3379	205	3	m	m	PROPN
fsr-3379	205	4	ed	ed	PROPN
fsr-3379	205	5	ia	ia	PROPN
fsr-3379	205	6	�	�	PROPN
fsr-3379	205	7	30	30	NUM
fsr-3379	205	8	,	,	PUNCT
fsr-3379	205	9	1	1	NUM
fsr-3379	205	10	27	27	NUM
fsr-3379	205	11	(	(	PUNCT
fsr-3379	205	12	8	8	NUM
fsr-3379	205	13	1	1	NUM
fsr-3379	205	14	,	,	PUNCT
fsr-3379	205	15	15	15	NUM
fsr-3379	205	16	2	2	NUM
fsr-3379	205	17	)	)	PUNCT
fsr-3379	205	18	�	�	PROPN
fsr-3379	205	19	.0	.0	NUM
fsr-3379	205	20	08	08	NUM
fsr-3379	205	21	.7	.7	NUM
fsr-3379	205	22	11	11	NUM
fsr-3379	205	23	h	h	NOUN
fsr-3379	206	1	ea	ea	NOUN
fsr-3379	206	2	lth	lth	NOUN
fsr-3379	206	3	ca	can	AUX
fsr-3379	206	4	re	re	AUX
fsr-3379	206	5	pr	pr	VERB
fsr-3379	206	6	ac	ac	PROPN
fsr-3379	206	7	tit	tit	PROPN
fsr-3379	206	8	io	io	X
fsr-3379	206	9	ne	ne	PROPN
fsr-3379	206	10	r	r	PROPN
fsr-3379	206	11	46	46	NUM
fsr-3379	206	12	,	,	PUNCT
fsr-3379	206	13	6	6	NUM
fsr-3379	206	14	13	13	NUM
fsr-3379	206	15	(	(	PUNCT
fsr-3379	206	16	5	5	NUM
fsr-3379	206	17	1	1	NUM
fsr-3379	206	18	,	,	PUNCT
fsr-3379	206	19	24	24	NUM
fsr-3379	206	20	5	5	NUM
fsr-3379	206	21	)	)	PUNCT
fsr-3379	206	22	.0	.0	NUM
fsr-3379	207	1	21	21	NUM
fsr-3379	207	2	.3	.3	NUM
fsr-3379	207	3	63	63	NUM
fsr-3379	207	4	h	h	NOUN
fsr-3379	207	5	ea	ea	NOUN
fsr-3379	208	1	lth	lth	PROPN
fsr-3379	208	2	ca	can	AUX
fsr-3379	208	3	re	re	VERB
fsr-3379	208	4	su	su	PROPN
fsr-3379	209	1	pp	pp	ADV
fsr-3379	209	2	or	or	CCONJ
fsr-3379	209	3	t	t	PROPN
fsr-3379	209	4	�	�	PROPN
fsr-3379	209	5	86	86	NUM
fsr-3379	209	6	,	,	PUNCT
fsr-3379	209	7	8	8	NUM
fsr-3379	209	8	45	45	NUM
fsr-3379	209	9	(	(	PUNCT
fsr-3379	209	10	4	4	NUM
fsr-3379	209	11	6	6	NUM
fsr-3379	209	12	,	,	PUNCT
fsr-3379	209	13	79	79	NUM
fsr-3379	209	14	3	3	NUM
fsr-3379	209	15	)	)	PUNCT
fsr-3379	209	16	�	�	PROPN
fsr-3379	209	17	.0	.0	NUM
fsr-3379	210	1	42	42	NUM
fsr-3379	210	2	.0	.0	NUM
fsr-3379	210	3	64	64	NUM
fsr-3379	210	4	pr	pr	NOUN
fsr-3379	210	5	ot	ot	NOUN
fsr-3379	210	6	ec	ec	PROPN
fsr-3379	210	7	tiv	tiv	PROPN
fsr-3379	210	8	e	e	PROPN
fsr-3379	210	9	se	se	PROPN
fsr-3379	210	10	rv	rv	PROPN
fsr-3379	210	11	ic	ic	PROPN
fsr-3379	210	12	e	e	PROPN
fsr-3379	210	13	�	�	PROPN
fsr-3379	210	14	77	77	NUM
fsr-3379	210	15	,	,	PUNCT
fsr-3379	210	16	0	0	NUM
fsr-3379	210	17	09	09	NUM
fsr-3379	210	18	(	(	PUNCT
fsr-3379	210	19	5	5	NUM
fsr-3379	210	20	3	3	NUM
fsr-3379	210	21	,	,	PUNCT
fsr-3379	210	22	98	98	NUM
fsr-3379	210	23	9	9	NUM
fsr-3379	210	24	)	)	PUNCT
fsr-3379	210	25	�	�	NOUN
fsr-3379	210	26	.0	.0	NUM
fsr-3379	210	27	33	33	NUM
fsr-3379	210	28	.1	.1	NUM
fsr-3379	210	29	54	54	NUM
fsr-3379	210	30	fo	fo	INTJ
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fsr-3379	210	32	pr	pr	VERB
fsr-3379	210	33	ep	ep	PROPN
fsr-3379	210	34	ar	ar	PROPN
fsr-3379	210	35	at	at	ADP
fsr-3379	210	36	io	io	PROPN
fsr-3379	210	37	n/	n/	PROPN
fsr-3379	210	38	se	se	PROPN
fsr-3379	210	39	rv	rv	PROPN
fsr-3379	210	40	in	in	ADP
fsr-3379	210	41	g	g	PROPN
fsr-3379	210	42	91	91	NUM
fsr-3379	210	43	2	2	NUM
fsr-3379	210	44	(	(	PUNCT
fsr-3379	210	45	4	4	NUM
fsr-3379	210	46	8	8	NUM
fsr-3379	210	47	,	,	PUNCT
fsr-3379	210	48	80	80	NUM
fsr-3379	210	49	0	0	NUM
fsr-3379	210	50	)	)	PUNCT
fsr-3379	210	51	.0	.0	NUM
fsr-3379	210	52	00	00	PUNCT
fsr-3379	211	1	.9	.9	NUM
fsr-3379	211	2	85	85	NUM
fsr-3379	211	3	b	b	NOUN
fsr-3379	211	4	ui	ui	PROPN
fsr-3379	211	5	ld	ld	PROPN
fsr-3379	211	6	in	in	ADP
fsr-3379	211	7	g/	g/	NOUN
fsr-3379	211	8	gr	gr	INTJ
fsr-3379	211	9	ou	ou	INTJ
fsr-3379	211	10	nd	nd	ADV
fsr-3379	211	11	cl	cl	PROPN
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fsr-3379	211	16	10	10	NUM
fsr-3379	211	17	2	2	NUM
fsr-3379	211	18	,	,	PUNCT
fsr-3379	211	19	59	59	NUM
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fsr-3379	211	21	(	(	PUNCT
fsr-3379	211	22	3	3	NUM
fsr-3379	211	23	6	6	NUM
fsr-3379	211	24	,	,	PUNCT
fsr-3379	211	25	14	14	NUM
fsr-3379	211	26	8)	8)	NUM
fsr-3379	211	27	�	�	PROPN
fsr-3379	211	28	.0	.0	NUM
fsr-3379	211	29	68	68	NUM
fsr-3379	211	30	.0	.0	NUM
fsr-3379	211	31	05	05	NUM
fsr-3379	212	1	pe	pe	INTJ
fsr-3379	212	2	rs	rs	PROPN
fsr-3379	212	3	on	on	ADP
fsr-3379	212	4	al	al	PROPN
fsr-3379	213	1	ca	can	AUX
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fsr-3379	213	3	/s	/s	VERB
fsr-3379	213	4	er	er	INTJ
fsr-3379	213	5	vi	vi	PROPN
fsr-3379	213	6	ce	ce	PROPN
fsr-3379	213	7	53	53	NUM
fsr-3379	213	8	,	,	PUNCT
fsr-3379	213	9	2	2	NUM
fsr-3379	213	10	99	99	NUM
fsr-3379	213	11	(	(	PUNCT
fsr-3379	213	12	4	4	NUM
fsr-3379	213	13	5	5	NUM
fsr-3379	213	14	,	,	PUNCT
fsr-3379	213	15	04	04	NUM
fsr-3379	213	16	6	6	NUM
fsr-3379	213	17	)	)	PUNCT
fsr-3379	213	18	.0	.0	NUM
fsr-3379	213	19	27	27	NUM
fsr-3379	214	1	.2	.2	NUM
fsr-3379	214	2	37	37	NUM
fsr-3379	214	3	sa	sa	X
fsr-3379	214	4	le	le	PROPN
fsr-3379	214	5	s	s	PROPN
fsr-3379	214	6	48	48	NUM
fsr-3379	214	7	,	,	PUNCT
fsr-3379	214	8	0	0	NUM
fsr-3379	214	9	56	56	NUM
fsr-3379	214	10	(	(	PUNCT
fsr-3379	214	11	2	2	NUM
fsr-3379	214	12	9	9	NUM
fsr-3379	214	13	,	,	PUNCT
fsr-3379	214	14	57	57	NUM
fsr-3379	214	15	0	0	NUM
fsr-3379	214	16	)	)	PUNCT
fsr-3379	214	17	.0	.0	NUM
fsr-3379	215	1	41	41	NUM
fsr-3379	215	2	.1	.1	NUM
fsr-3379	215	3	04	04	NUM
fsr-3379	216	1	fa	fa	INTJ
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fsr-3379	216	4	g/	g/	NOUN
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fsr-3379	216	8	/f	/f	PUNCT
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fsr-3379	216	11	tr	tr	PROPN
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fsr-3379	216	13	�	�	PROPN
fsr-3379	216	14	37	37	NUM
fsr-3379	216	15	,	,	PUNCT
fsr-3379	216	16	7	7	NUM
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fsr-3379	216	18	(	(	PUNCT
fsr-3379	216	19	1	1	NUM
fsr-3379	216	20	41	41	NUM
fsr-3379	216	21	,	,	PUNCT
fsr-3379	216	22	4	4	NUM
fsr-3379	216	23	01	01	NUM
fsr-3379	216	24	)	)	PUNCT
fsr-3379	216	25	�	�	PROPN
fsr-3379	217	1	.0	.0	NUM
fsr-3379	217	2	06	06	NUM
fsr-3379	218	1	.7	.7	NUM
fsr-3379	218	2	90	90	NUM
fsr-3379	218	3	c	c	PROPN
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fsr-3379	218	5	st	st	PROPN
fsr-3379	218	6	ru	ru	PROPN
fsr-3379	218	7	ct	ct	PROPN
fsr-3379	218	8	io	io	PROPN
fsr-3379	218	9	n/	n/	ADV
fsr-3379	218	10	ex	ex	X
fsr-3379	218	11	tr	tr	VERB
fsr-3379	218	12	ac	ac	PROPN
fsr-3379	218	13	tio	tio	PROPN
fsr-3379	218	14	n	n	PRON
fsr-3379	218	15	�	�	PROPN
fsr-3379	218	16	16	16	NUM
fsr-3379	218	17	,	,	PUNCT
fsr-3379	218	18	0	0	NUM
fsr-3379	218	19	87	87	NUM
fsr-3379	218	20	(	(	PUNCT
fsr-3379	218	21	3	3	NUM
fsr-3379	218	22	5	5	NUM
fsr-3379	218	23	,	,	PUNCT
fsr-3379	218	24	06	06	NUM
fsr-3379	218	25	9	9	NUM
fsr-3379	218	26	)	)	PUNCT
fsr-3379	218	27	�	�	PROPN
fsr-3379	218	28	.0	.0	NUM
fsr-3379	218	29	12	12	NUM
fsr-3379	218	30	.6	.6	NUM
fsr-3379	218	31	46	46	NUM
fsr-3379	218	32	in	in	ADP
fsr-3379	218	33	st	st	PROPN
fsr-3379	218	34	al	al	PROPN
fsr-3379	218	35	la	la	PROPN
fsr-3379	218	36	tio	tio	PROPN
fsr-3379	218	37	n/	n/	ADV
fsr-3379	218	38	m	m	VERB
fsr-3379	218	39	ai	be	VERB
fsr-3379	218	40	nt	not	PART
fsr-3379	218	41	en	en	ADV
fsr-3379	218	42	an	an	PROPN
fsr-3379	218	43	ce	ce	PROPN
fsr-3379	218	44	/r	/r	PUNCT
fsr-3379	219	1	ep	ep	PROPN
fsr-3379	219	2	ai	ai	VERB
fsr-3379	219	3	r	r	NOUN
fsr-3379	219	4	41	41	NUM
fsr-3379	219	5	,	,	PUNCT
fsr-3379	219	6	1	1	NUM
fsr-3379	219	7	34	34	NUM
fsr-3379	219	8	(	(	PUNCT
fsr-3379	219	9	4	4	NUM
fsr-3379	219	10	3	3	NUM
fsr-3379	219	11	,	,	PUNCT
fsr-3379	219	12	86	86	NUM
fsr-3379	219	13	0	0	NUM
fsr-3379	219	14	)	)	PUNCT
fsr-3379	219	15	.0	.0	NUM
fsr-3379	220	1	23	23	NUM
fsr-3379	220	2	.3	.3	NUM
fsr-3379	220	3	48	48	NUM
fsr-3379	220	4	pr	pr	NOUN
fsr-3379	220	5	od	od	INTJ
fsr-3379	220	6	uc	uc	PROPN
fsr-3379	220	7	tio	tio	PROPN
fsr-3379	220	8	n	n	PRON
fsr-3379	220	9	�	�	PROPN
fsr-3379	220	10	98	98	NUM
fsr-3379	220	11	,	,	PUNCT
fsr-3379	220	12	0	0	NUM
fsr-3379	220	13	76	76	NUM
fsr-3379	220	14	(	(	PUNCT
fsr-3379	220	15	2	2	NUM
fsr-3379	220	16	9	9	NUM
fsr-3379	220	17	,	,	PUNCT
fsr-3379	220	18	28	28	NUM
fsr-3379	220	19	9	9	NUM
fsr-3379	220	20	)	)	PUNCT
fsr-3379	220	21	�	�	PROPN
fsr-3379	220	22	.0	.0	NUM
fsr-3379	220	23	89	89	NUM
fsr-3379	220	24	.0	.0	NUM
fsr-3379	220	25	01	01	NUM
fsr-3379	221	1	t	t	NOUN
fsr-3379	221	2	ra	ra	PROPN
fsr-3379	221	3	ns	ns	INTJ
fsr-3379	221	4	po	po	PROPN
fsr-3379	221	5	rt	rt	PROPN
fsr-3379	221	6	at	at	ADP
fsr-3379	221	7	io	io	PROPN
fsr-3379	221	8	n/	n/	PROPN
fsr-3379	221	9	m	m	VERB
fsr-3379	221	10	at	at	ADP
fsr-3379	221	11	er	er	INTJ
fsr-3379	221	12	ia	ia	PROPN
fsr-3379	221	13	l	l	NOUN
fsr-3379	221	14	m	m	VERB
fsr-3379	221	15	ov	ov	VERB
fsr-3379	221	16	in	in	ADP
fsr-3379	221	17	g	g	PROPN
fsr-3379	221	18	�	�	PROPN
fsr-3379	221	19	31	31	NUM
fsr-3379	221	20	,	,	PUNCT
fsr-3379	221	21	5	5	NUM
fsr-3379	221	22	76	76	NUM
fsr-3379	221	23	(	(	PUNCT
fsr-3379	221	24	3	3	NUM
fsr-3379	221	25	5	5	NUM
fsr-3379	221	26	,	,	PUNCT
fsr-3379	221	27	87	87	NUM
fsr-3379	221	28	8)	8)	NUM
fsr-3379	221	29	�	�	PROPN
fsr-3379	221	30	.0	.0	NUM
fsr-3379	222	1	23	23	NUM
fsr-3379	222	2	.3	.3	NUM
fsr-3379	222	3	79	79	NUM
fsr-3379	222	4	m	m	NOUN
fsr-3379	222	5	ili	ili	PROPN
fsr-3379	222	6	ta	ta	AUX
fsr-3379	222	7	ry	ry	PROPN
fsr-3379	222	8	�	�	PROPN
fsr-3379	222	9	13	13	NUM
fsr-3379	222	10	6	6	NUM
fsr-3379	222	11	,	,	PUNCT
fsr-3379	222	12	18	18	NUM
fsr-3379	222	13	3	3	NUM
fsr-3379	222	14	(	(	PUNCT
fsr-3379	222	15	1	1	NUM
fsr-3379	222	16	18	18	NUM
fsr-3379	222	17	,	,	PUNCT
fsr-3379	222	18	9	9	NUM
fsr-3379	222	19	95	95	NUM
fsr-3379	222	20	)	)	PUNCT
fsr-3379	222	21	�	�	PROPN
fsr-3379	222	22	.0	.0	NUM
fsr-3379	222	23	25	25	NUM
fsr-3379	223	1	.2	.2	NUM
fsr-3379	223	2	53	53	NUM
fsr-3379	223	3	in	in	ADP
fsr-3379	223	4	te	te	PROPN
fsr-3379	223	5	rc	rc	PROPN
fsr-3379	223	6	ep	ep	PROPN
fsr-3379	223	7	t	t	PROPN
fsr-3379	223	8	52	52	NUM
fsr-3379	223	9	6	6	NUM
fsr-3379	223	10	,	,	PUNCT
fsr-3379	223	11	59	59	NUM
fsr-3379	223	12	2	2	NUM
fsr-3379	223	13	(	(	PUNCT
fsr-3379	223	14	4	4	NUM
fsr-3379	223	15	9	9	NUM
fsr-3379	223	16	,	,	PUNCT
fsr-3379	223	17	06	06	NUM
fsr-3379	223	18	5	5	NUM
fsr-3379	223	19	)	)	PUNCT
fsr-3379	223	20	.0	.0	NUM
fsr-3379	223	21	00	00	NUM
fsr-3379	223	22	24	24	NUM
fsr-3379	223	23	,	,	PUNCT
fsr-3379	223	24	6	6	NUM
fsr-3379	223	25	41	41	NUM
fsr-3379	223	26	(	(	PUNCT
fsr-3379	223	27	5	5	NUM
fsr-3379	223	28	7	7	NUM
fsr-3379	223	29	,	,	PUNCT
fsr-3379	223	30	40	40	NUM
fsr-3379	223	31	0	0	NUM
fsr-3379	223	32	)	)	PUNCT
fsr-3379	223	33	.0	.0	NUM
fsr-3379	223	34	00	00	NUM
fsr-3379	223	35	16	16	NUM
fsr-3379	223	36	0	0	NUM
fsr-3379	223	37	,	,	PUNCT
fsr-3379	223	38	50	50	NUM
fsr-3379	223	39	5	5	NUM
fsr-3379	223	40	(	(	PUNCT
fsr-3379	223	41	1	1	NUM
fsr-3379	223	42	47	47	NUM
fsr-3379	223	43	,	,	PUNCT
fsr-3379	223	44	9	9	NUM
fsr-3379	223	45	89	89	NUM
fsr-3379	223	46	)	)	PUNCT
fsr-3379	223	47	.2	.2	NUM
fsr-3379	223	48	78	78	NUM
fsr-3379	223	49	a	a	DET
fsr-3379	223	50	dj	dj	NOUN
fsr-3379	223	51	us	we	PRON
fsr-3379	223	52	te	te	PROPN
fsr-3379	223	53	d	d	NOUN
fsr-3379	223	54	r	r	PROPN
fsr-3379	223	55	2	2	NUM
fsr-3379	223	56	.0	.0	NUM
fsr-3379	223	57	16	16	NUM
fsr-3379	223	58	.0	.0	NUM
fsr-3379	223	59	52	52	NUM
fsr-3379	223	60	.1	.1	NUM
fsr-3379	223	61	52	52	NUM
fsr-3379	223	62	(	(	PUNCT
fsr-3379	223	63	c	c	NOUN
fsr-3379	223	64	on	on	ADP
fsr-3379	223	65	ti	ti	PROPN
fsr-3379	223	66	nu	nu	PROPN
fsr-3379	223	67	ed	ed	PROPN
fsr-3379	223	68	on	on	ADP
fsr-3379	223	69	ne	ne	PROPN
fsr-3379	223	70	xt	xt	PROPN
fsr-3379	223	71	pa	pa	PROPN
fsr-3379	223	72	ge	ge	PROPN
fsr-3379	223	73	)	)	PUNCT
fsr-3379	223	74	m	m	VERB
fsr-3379	223	75	al	al	PROPN
fsr-3379	223	76	e	e	PROPN
fsr-3379	223	77	,	,	PUNCT
fsr-3379	223	78	w	w	PROPN
fsr-3379	223	79	hi	hi	INTJ
fsr-3379	223	80	te	te	PROPN
fsr-3379	223	81	,	,	PUNCT
fsr-3379	223	82	m	m	PROPN
fsr-3379	223	83	ar	ar	PROPN
fsr-3379	223	84	ri	ri	PROPN
fsr-3379	223	85	ed	ed	PROPN
fsr-3379	223	86	,	,	PUNCT
fsr-3379	223	87	an	an	DET
fsr-3379	223	88	d	d	X
fsr-3379	223	89	oc	oc	ADP
fsr-3379	223	90	cu	cu	PROPN
fsr-3379	223	91	pa	pa	PROPN
fsr-3379	223	92	tio	tio	PROPN
fsr-3379	223	93	n	n	INTJ
fsr-3379	224	1	ty	ty	INTJ
fsr-3379	224	2	pe	pe	INTJ
fsr-3379	224	3	of	of	ADP
fsr-3379	224	4	of	of	ADP
fsr-3379	224	5	fic	fic	PROPN
fsr-3379	224	6	e/	e/	PROPN
fsr-3379	224	7	ad	ad	PROPN
fsr-3379	224	8	m	m	VERB
fsr-3379	224	9	in	in	ADP
fsr-3379	224	10	is	be	AUX
fsr-3379	224	11	tr	tr	VERB
fsr-3379	224	12	at	at	ADP
fsr-3379	224	13	io	io	PROPN
fsr-3379	224	14	n	n	PRON
fsr-3379	224	15	su	su	PROPN
fsr-3379	225	1	pp	pp	ADV
fsr-3379	225	2	or	or	CCONJ
fsr-3379	225	3	t	t	PROPN
fsr-3379	225	4	ar	ar	PROPN
fsr-3379	225	5	e	e	PROPN
fsr-3379	225	6	re	re	X
fsr-3379	225	7	fe	fe	X
fsr-3379	225	8	re	re	X
fsr-3379	225	9	nc	nc	PROPN
fsr-3379	225	10	e	e	PROPN
fsr-3379	225	11	gr	gr	X
fsr-3379	225	12	ou	ou	ADP
fsr-3379	225	13	ps	ps	PROPN
fsr-3379	225	14	.	.	PUNCT
fsr-3379	226	1	d	d	X
fsr-3379	226	2	ep	ep	PROPN
fsr-3379	226	3	en	en	PROPN
fsr-3379	226	4	de	de	PROPN
fsr-3379	226	5	nt	nt	PROPN
fsr-3379	226	6	va	va	PROPN
fsr-3379	226	7	ri	ri	PROPN
fsr-3379	226	8	ab	ab	PROPN
fsr-3379	226	9	le	le	PROPN
fsr-3379	226	10	is	be	AUX
fsr-3379	226	11	th	th	X
fsr-3379	226	12	e	e	X
fsr-3379	226	13	do	do	AUX
fsr-3379	226	14	lla	lla	NOUN
fsr-3379	226	15	r	r	NOUN
fsr-3379	226	16	am	be	AUX
fsr-3379	226	17	ou	ou	ADP
fsr-3379	226	18	nt	not	PART
fsr-3379	226	19	s	s	PROPN
fsr-3379	226	20	of	of	ADP
fsr-3379	226	21	ho	ho	PROPN
fsr-3379	226	22	us	us	PROPN
fsr-3379	226	23	eh	eh	INTJ
fsr-3379	226	24	ol	ol	PROPN
fsr-3379	226	25	d	d	PROPN
fsr-3379	226	26	ne	ne	PROPN
fsr-3379	226	27	t	t	PROPN
fsr-3379	226	28	w	w	PROPN
fsr-3379	226	29	or	or	CCONJ
fsr-3379	226	30	th	th	X
fsr-3379	226	31	.	.	PUNCT
fsr-3379	227	1	38	38	NUM
fsr-3379	227	2	h.	h.	PROPN
fsr-3379	227	3	kim	kim	PROPN
fsr-3379	227	4	et	et	PROPN
fsr-3379	227	5	al	al	PROPN
fsr-3379	227	6	.	.	PUNCT
fsr-3379	227	7	/	/	SYM
fsr-3379	227	8	financial	financial	ADJ
fsr-3379	227	9	services	service	NOUN
fsr-3379	227	10	review	review	VERB
fsr-3379	227	11	27	27	NUM
fsr-3379	227	12	(	(	PUNCT
fsr-3379	227	13	2018	2018	NUM
fsr-3379	227	14	)	)	PUNCT
fsr-3379	227	15	29	29	NUM
fsr-3379	227	16	-	-	SYM
fsr-3379	227	17	45	45	NUM
fsr-3379	227	18	t	t	PROPN
fsr-3379	227	19	ab	ab	PROPN
fsr-3379	227	20	le	le	X
fsr-3379	227	21	2	2	PROPN
fsr-3379	227	22	(	(	PUNCT
fsr-3379	227	23	c	c	NOUN
fsr-3379	227	24	on	on	ADP
fsr-3379	227	25	tin	tin	NOUN
fsr-3379	227	26	ue	ue	PROPN
fsr-3379	227	27	d	d	PROPN
fsr-3379	227	28	)	)	PUNCT
fsr-3379	227	29	(	(	PUNCT
fsr-3379	227	30	b	b	X
fsr-3379	227	31	)	)	PUNCT
fsr-3379	227	32	c	c	PROPN
fsr-3379	227	33	ol	ol	PROPN
fsr-3379	227	34	le	le	PROPN
fsr-3379	227	35	ge	ge	PROPN
fsr-3379	227	36	�	�	PROPN
fsr-3379	227	37	(	(	PUNCT
fsr-3379	227	38	a	a	DET
fsr-3379	227	39	ge	ge	PROPN
fsr-3379	227	40	w	w	PROPN
fsr-3379	227	41	he	he	PRON
fsr-3379	227	42	n	n	PROPN
fsr-3379	227	43	fir	fir	PROPN
fsr-3379	227	44	st	st	PROPN
fsr-3379	228	1	em	em	PRON
fsr-3379	228	2	pl	pl	X
fsr-3379	228	3	oy	oy	NOUN
fsr-3379	228	4	ed	ed	NOUN
fsr-3379	228	5	22	22	NUM
fsr-3379	228	6	to	to	PART
fsr-3379	228	7	35	35	NUM
fsr-3379	228	8	)	)	PUNCT
fsr-3379	228	9	m	m	VERB
fsr-3379	228	10	od	od	PROPN
fsr-3379	228	11	el	el	PROPN
fsr-3379	228	12	1	1	NUM
fsr-3379	228	13	m	m	PROPN
fsr-3379	228	14	od	od	PROPN
fsr-3379	228	15	el	el	PROPN
fsr-3379	228	16	2	2	NUM
fsr-3379	228	17	m	m	PROPN
fsr-3379	228	18	od	od	PROPN
fsr-3379	228	19	el	el	PROPN
fsr-3379	228	20	3	3	NUM
fsr-3379	228	21	b	b	PROPN
fsr-3379	228	22	(	(	PUNCT
fsr-3379	228	23	s	s	NOUN
fsr-3379	228	24	e	e	NOUN
fsr-3379	228	25	)	)	PUNCT
fsr-3379	228	26	�	�	PROPN
fsr-3379	228	27	p	p	NOUN
fsr-3379	228	28	b	b	PROPN
fsr-3379	228	29	(	(	PUNCT
fsr-3379	228	30	s	s	NOUN
fsr-3379	228	31	e	e	NOUN
fsr-3379	228	32	)	)	PUNCT
fsr-3379	228	33	�	�	PROPN
fsr-3379	228	34	p	p	NOUN
fsr-3379	228	35	b	b	PROPN
fsr-3379	228	36	(	(	PUNCT
fsr-3379	228	37	s	s	NOUN
fsr-3379	228	38	e	e	NOUN
fsr-3379	228	39	)	)	PUNCT
fsr-3379	228	40	�	�	PROPN
fsr-3379	228	41	p	p	PROPN
fsr-3379	228	42	a	a	DET
fsr-3379	228	43	ge	ge	PROPN
fsr-3379	228	44	w	w	PROPN
fsr-3379	228	45	he	he	PRON
fsr-3379	228	46	n	n	PROPN
fsr-3379	228	47	fir	fir	PROPN
fsr-3379	228	48	st	st	PROPN
fsr-3379	229	1	em	em	PROPN
fsr-3379	229	2	pl	pl	PROPN
fsr-3379	229	3	oy	oy	PROPN
fsr-3379	229	4	ed	ed	PROPN
fsr-3379	229	5	�	�	PROPN
fsr-3379	229	6	64	64	NUM
fsr-3379	229	7	,	,	PUNCT
fsr-3379	229	8	4	4	NUM
fsr-3379	229	9	68	68	NUM
fsr-3379	229	10	(	(	PUNCT
fsr-3379	229	11	1	1	NUM
fsr-3379	229	12	5	5	NUM
fsr-3379	229	13	,	,	PUNCT
fsr-3379	229	14	71	71	NUM
fsr-3379	229	15	1	1	NUM
fsr-3379	229	16	)	)	PUNCT
fsr-3379	229	17	�	�	PROPN
fsr-3379	229	18	.1	.1	NUM
fsr-3379	230	1	45	45	NUM
fsr-3379	230	2	.0	.0	NUM
fsr-3379	230	3	00	00	PUNCT
fsr-3379	231	1	�	�	PROPN
fsr-3379	231	2	46	46	NUM
fsr-3379	231	3	,	,	PUNCT
fsr-3379	231	4	1	1	NUM
fsr-3379	231	5	30	30	NUM
fsr-3379	231	6	(	(	PUNCT
fsr-3379	231	7	1	1	NUM
fsr-3379	231	8	5	5	NUM
fsr-3379	231	9	,	,	PUNCT
fsr-3379	231	10	96	96	NUM
fsr-3379	231	11	8)	8)	NUM
fsr-3379	231	12	�	�	PROPN
fsr-3379	231	13	.1	.1	NUM
fsr-3379	231	14	04	04	NUM
fsr-3379	232	1	.0	.0	NUM
fsr-3379	232	2	01	01	NUM
fsr-3379	232	3	�	�	PROPN
fsr-3379	232	4	35	35	NUM
fsr-3379	232	5	,	,	PUNCT
fsr-3379	232	6	1	1	NUM
fsr-3379	232	7	03	03	NUM
fsr-3379	232	8	(	(	PUNCT
fsr-3379	232	9	1	1	NUM
fsr-3379	232	10	6	6	NUM
fsr-3379	232	11	,	,	PUNCT
fsr-3379	232	12	89	89	NUM
fsr-3379	232	13	2	2	NUM
fsr-3379	232	14	)	)	PUNCT
fsr-3379	232	15	�	�	PROPN
fsr-3379	232	16	.0	.0	NUM
fsr-3379	233	1	80	80	NUM
fsr-3379	233	2	.0	.0	NUM
fsr-3379	233	3	38	38	NUM
fsr-3379	233	4	y	y	NOUN
fsr-3379	233	5	ea	ea	NOUN
fsr-3379	233	6	rs	rs	PROPN
fsr-3379	233	7	w	w	PROPN
fsr-3379	233	8	or	or	CCONJ
fsr-3379	233	9	ke	ke	NOUN
fsr-3379	233	10	d	d	PROPN
fsr-3379	233	11	15	15	NUM
fsr-3379	233	12	,	,	PUNCT
fsr-3379	233	13	2	2	NUM
fsr-3379	233	14	94	94	NUM
fsr-3379	233	15	(	(	PUNCT
fsr-3379	233	16	3	3	NUM
fsr-3379	233	17	,	,	PUNCT
fsr-3379	233	18	2	2	NUM
fsr-3379	233	19	06	06	NUM
fsr-3379	233	20	)	)	PUNCT
fsr-3379	233	21	.1	.1	NUM
fsr-3379	234	1	71	71	NUM
fsr-3379	234	2	.0	.0	NUM
fsr-3379	234	3	00	00	NUM
fsr-3379	234	4	8	8	NUM
fsr-3379	234	5	,	,	PUNCT
fsr-3379	234	6	15	15	NUM
fsr-3379	234	7	8	8	NUM
fsr-3379	234	8	(	(	PUNCT
fsr-3379	234	9	3	3	NUM
fsr-3379	234	10	,	,	PUNCT
fsr-3379	234	11	8	8	NUM
fsr-3379	234	12	93	93	NUM
fsr-3379	234	13	)	)	PUNCT
fsr-3379	234	14	.0	.0	NUM
fsr-3379	235	1	91	91	NUM
fsr-3379	235	2	.0	.0	NUM
fsr-3379	235	3	36	36	NUM
fsr-3379	235	4	a	a	DET
fsr-3379	235	5	ge	ge	PROPN
fsr-3379	235	6	�	�	PROPN
fsr-3379	235	7	6	6	NUM
fsr-3379	235	8	,	,	PUNCT
fsr-3379	235	9	86	86	NUM
fsr-3379	235	10	2	2	NUM
fsr-3379	235	11	(	(	PUNCT
fsr-3379	235	12	1	1	NUM
fsr-3379	235	13	1	1	NUM
fsr-3379	235	14	,	,	PUNCT
fsr-3379	235	15	35	35	NUM
fsr-3379	235	16	9	9	NUM
fsr-3379	235	17	)	)	PUNCT
fsr-3379	235	18	�	�	PROPN
fsr-3379	235	19	.0	.0	NUM
fsr-3379	235	20	26	26	NUM
fsr-3379	235	21	.5	.5	NUM
fsr-3379	235	22	46	46	NUM
fsr-3379	235	23	g	g	NOUN
fsr-3379	235	24	en	en	X
fsr-3379	235	25	de	de	X
fsr-3379	235	26	r	r	X
fsr-3379	235	27	fe	fe	X
fsr-3379	235	28	m	m	NOUN
fsr-3379	235	29	al	al	PROPN
fsr-3379	235	30	e	e	PROPN
fsr-3379	235	31	63	63	NUM
fsr-3379	235	32	,	,	PUNCT
fsr-3379	235	33	2	2	NUM
fsr-3379	235	34	72	72	NUM
fsr-3379	235	35	(	(	PUNCT
fsr-3379	235	36	7	7	NUM
fsr-3379	235	37	4	4	NUM
fsr-3379	235	38	,	,	PUNCT
fsr-3379	235	39	61	61	NUM
fsr-3379	235	40	8)	8)	NUM
fsr-3379	235	41	.0	.0	NUM
fsr-3379	235	42	35	35	NUM
fsr-3379	235	43	.3	.3	NUM
fsr-3379	235	44	97	97	NUM
fsr-3379	235	45	r	r	NOUN
fsr-3379	235	46	ac	ac	NOUN
fsr-3379	235	47	e	e	PROPN
fsr-3379	235	48	n	n	CCONJ
fsr-3379	235	49	on	on	ADP
fsr-3379	235	50	-w	-w	PUNCT
fsr-3379	235	51	hi	hi	INTJ
fsr-3379	235	52	te	te	ADP
fsr-3379	235	53	�	�	PROPN
fsr-3379	235	54	22	22	NUM
fsr-3379	235	55	3	3	NUM
fsr-3379	235	56	,	,	PUNCT
fsr-3379	235	57	29	29	NUM
fsr-3379	235	58	3	3	NUM
fsr-3379	235	59	(	(	PUNCT
fsr-3379	235	60	9	9	NUM
fsr-3379	235	61	1	1	NUM
fsr-3379	235	62	,	,	PUNCT
fsr-3379	235	63	83	83	NUM
fsr-3379	235	64	4	4	NUM
fsr-3379	235	65	)	)	PUNCT
fsr-3379	235	66	�	�	PROPN
fsr-3379	235	67	.0	.0	NUM
fsr-3379	235	68	91	91	NUM
fsr-3379	235	69	.0	.0	NUM
fsr-3379	235	70	15	15	NUM
fsr-3379	235	71	m	m	NOUN
fsr-3379	235	72	ar	ar	PROPN
fsr-3379	235	73	ita	ita	PROPN
fsr-3379	235	74	l	l	PROPN
fsr-3379	235	75	st	st	PROPN
fsr-3379	236	1	at	at	ADP
fsr-3379	236	2	us	we	PRON
fsr-3379	236	3	si	si	PROPN
fsr-3379	236	4	ng	ng	PROPN
fsr-3379	236	5	le	le	PROPN
fsr-3379	236	6	/u	/u	PROPN
fsr-3379	236	7	nm	nm	PROPN
fsr-3379	236	8	ar	ar	PROPN
fsr-3379	236	9	ri	ri	PROPN
fsr-3379	236	10	ed	ed	PROPN
fsr-3379	236	11	�	�	PROPN
fsr-3379	236	12	36	36	NUM
fsr-3379	236	13	8	8	NUM
fsr-3379	236	14	,	,	PUNCT
fsr-3379	236	15	42	42	NUM
fsr-3379	236	16	1	1	NUM
fsr-3379	236	17	(	(	PUNCT
fsr-3379	236	18	1	1	NUM
fsr-3379	236	19	08	08	NUM
fsr-3379	236	20	,	,	PUNCT
fsr-3379	236	21	1	1	NUM
fsr-3379	236	22	70	70	NUM
fsr-3379	236	23	)	)	PUNCT
fsr-3379	236	24	�	�	PROPN
fsr-3379	236	25	.1	.1	NUM
fsr-3379	236	26	81	81	NUM
fsr-3379	236	27	.0	.0	NUM
fsr-3379	236	28	01	01	NUM
fsr-3379	236	29	n	n	PROPN
fsr-3379	236	30	of	of	ADP
fsr-3379	236	31	pe	pe	INTJ
fsr-3379	236	32	op	op	NOUN
fsr-3379	236	33	le	le	X
fsr-3379	236	34	in	in	ADP
fsr-3379	236	35	th	th	X
fsr-3379	236	36	e	e	NOUN
fsr-3379	236	37	ho	ho	PROPN
fsr-3379	236	38	us	us	PROPN
fsr-3379	236	39	eh	eh	INTJ
fsr-3379	236	40	ol	ol	PROPN
fsr-3379	236	41	d	d	PROPN
fsr-3379	236	42	�	�	PROPN
fsr-3379	236	43	88	88	NUM
fsr-3379	236	44	,	,	PUNCT
fsr-3379	236	45	4	4	NUM
fsr-3379	236	46	63	63	NUM
fsr-3379	236	47	(	(	PUNCT
fsr-3379	236	48	3	3	NUM
fsr-3379	236	49	3	3	NUM
fsr-3379	236	50	,	,	PUNCT
fsr-3379	236	51	60	60	NUM
fsr-3379	236	52	9	9	NUM
fsr-3379	236	53	)	)	PUNCT
fsr-3379	236	54	�	�	PROPN
fsr-3379	236	55	.1	.1	NUM
fsr-3379	237	1	07	07	NUM
fsr-3379	237	2	.0	.0	NUM
fsr-3379	237	3	09	09	NUM
fsr-3379	237	4	sp	sp	NOUN
fsr-3379	237	5	ou	ou	X
fsr-3379	237	6	se	se	PROPN
fsr-3379	237	7	’s	’s	PROPN
fsr-3379	237	8	ye	ye	PROPN
fsr-3379	237	9	ar	ar	PROPN
fsr-3379	237	10	s	s	PROPN
fsr-3379	237	11	w	w	PROPN
fsr-3379	237	12	or	or	CCONJ
fsr-3379	237	13	ke	ke	NOUN
fsr-3379	237	14	d	d	PROPN
fsr-3379	237	15	8	8	NUM
fsr-3379	237	16	,	,	PUNCT
fsr-3379	237	17	81	81	NUM
fsr-3379	237	18	7	7	NUM
fsr-3379	237	19	(	(	PUNCT
fsr-3379	237	20	2	2	NUM
fsr-3379	237	21	,	,	PUNCT
fsr-3379	237	22	6	6	NUM
fsr-3379	237	23	45	45	NUM
fsr-3379	237	24	)	)	PUNCT
fsr-3379	237	25	.1	.1	NUM
fsr-3379	238	1	73	73	NUM
fsr-3379	238	2	.0	.0	NUM
fsr-3379	238	3	01	01	NUM
fsr-3379	238	4	o	o	NOUN
fsr-3379	238	5	cc	cc	VERB
fsr-3379	238	6	up	up	ADP
fsr-3379	238	7	at	at	ADP
fsr-3379	238	8	io	io	PROPN
fsr-3379	238	9	n	n	ADV
fsr-3379	238	10	ty	ty	INTJ
fsr-3379	238	11	pe	pe	INTJ
fsr-3379	238	12	m	m	VERB
fsr-3379	238	13	an	an	DET
fsr-3379	238	14	ag	ag	PROPN
fsr-3379	238	15	em	em	PRON
fsr-3379	238	16	en	en	PROPN
fsr-3379	238	17	t	t	PROPN
fsr-3379	238	18	27	27	NUM
fsr-3379	238	19	6	6	NUM
fsr-3379	238	20	,	,	PUNCT
fsr-3379	238	21	11	11	NUM
fsr-3379	238	22	6	6	NUM
fsr-3379	238	23	(	(	PUNCT
fsr-3379	238	24	1	1	NUM
fsr-3379	238	25	43	43	NUM
fsr-3379	238	26	,	,	PUNCT
fsr-3379	238	27	0	0	NUM
fsr-3379	238	28	02	02	NUM
fsr-3379	238	29	)	)	PUNCT
fsr-3379	238	30	.1	.1	NUM
fsr-3379	239	1	22	22	NUM
fsr-3379	239	2	.0	.0	NUM
fsr-3379	239	3	54	54	NUM
fsr-3379	239	4	b	b	NOUN
fsr-3379	239	5	us	we	PRON
fsr-3379	239	6	in	in	ADP
fsr-3379	239	7	es	es	X
fsr-3379	239	8	s/	s/	PRON
fsr-3379	239	9	fin	fin	NOUN
fsr-3379	239	10	an	an	DET
fsr-3379	239	11	ci	ci	NOUN
fsr-3379	239	12	al	al	PROPN
fsr-3379	239	13	op	op	NOUN
fsr-3379	239	14	er	er	INTJ
fsr-3379	239	15	at	at	ADP
fsr-3379	239	16	io	io	PROPN
fsr-3379	239	17	n	n	ADV
fsr-3379	239	18	51	51	NUM
fsr-3379	239	19	8	8	NUM
fsr-3379	239	20	,	,	PUNCT
fsr-3379	239	21	51	51	NUM
fsr-3379	239	22	4	4	NUM
fsr-3379	239	23	(	(	PUNCT
fsr-3379	239	24	1	1	NUM
fsr-3379	239	25	67	67	NUM
fsr-3379	239	26	,	,	PUNCT
fsr-3379	239	27	1	1	NUM
fsr-3379	239	28	29	29	NUM
fsr-3379	239	29	)	)	PUNCT
fsr-3379	239	30	.1	.1	NUM
fsr-3379	240	1	58	58	NUM
fsr-3379	240	2	.0	.0	NUM
fsr-3379	240	3	02	02	NUM
fsr-3379	240	4	c	c	NOUN
fsr-3379	240	5	om	om	PROPN
fsr-3379	240	6	pu	pu	PROPN
fsr-3379	240	7	te	te	PROPN
fsr-3379	240	8	r/	r/	NOUN
fsr-3379	240	9	m	m	VERB
fsr-3379	240	10	at	at	ADP
fsr-3379	240	11	he	he	PRON
fsr-3379	240	12	m	m	VERB
fsr-3379	240	13	at	at	ADP
fsr-3379	240	14	ic	ic	PROPN
fsr-3379	240	15	al	al	PROPN
fsr-3379	240	16	44	44	NUM
fsr-3379	240	17	9	9	NUM
fsr-3379	240	18	,	,	PUNCT
fsr-3379	240	19	06	06	NUM
fsr-3379	240	20	2	2	NUM
fsr-3379	240	21	(	(	PUNCT
fsr-3379	240	22	2	2	NUM
fsr-3379	240	23	12	12	NUM
fsr-3379	240	24	,	,	PUNCT
fsr-3379	240	25	3	3	NUM
fsr-3379	240	26	60	60	NUM
fsr-3379	240	27	)	)	PUNCT
fsr-3379	240	28	.0	.0	NUM
fsr-3379	240	29	90	90	NUM
fsr-3379	240	30	.0	.0	NUM
fsr-3379	240	31	35	35	NUM
fsr-3379	241	1	a	a	DET
fsr-3379	241	2	rc	rc	PROPN
fsr-3379	241	3	hi	hi	INTJ
fsr-3379	241	4	te	te	INTJ
fsr-3379	241	5	ct	ct	INTJ
fsr-3379	242	1	ur	ur	INTJ
fsr-3379	242	2	e/	e/	INTJ
fsr-3379	242	3	en	en	INTJ
fsr-3379	242	4	gi	gi	INTJ
fsr-3379	242	5	ne	ne	X
fsr-3379	242	6	er	er	INTJ
fsr-3379	242	7	in	in	ADP
fsr-3379	242	8	g	g	PROPN
fsr-3379	242	9	34	34	NUM
fsr-3379	242	10	8	8	NUM
fsr-3379	242	11	,	,	PUNCT
fsr-3379	242	12	68	68	NUM
fsr-3379	242	13	0	0	NUM
fsr-3379	242	14	(	(	PUNCT
fsr-3379	242	15	2	2	NUM
fsr-3379	242	16	37	37	NUM
fsr-3379	242	17	,	,	PUNCT
fsr-3379	242	18	9	9	NUM
fsr-3379	242	19	73	73	NUM
fsr-3379	242	20	)	)	PUNCT
fsr-3379	242	21	.0	.0	NUM
fsr-3379	243	1	59	59	NUM
fsr-3379	243	2	.1	.1	NUM
fsr-3379	243	3	43	43	NUM
fsr-3379	244	1	l	l	NOUN
fsr-3379	244	2	if	if	SCONJ
fsr-3379	244	3	e/	e/	PROPN
fsr-3379	244	4	ph	ph	PROPN
fsr-3379	245	1	ys	ys	PROPN
fsr-3379	245	2	ic	ic	PROPN
fsr-3379	245	3	al	al	PROPN
fsr-3379	245	4	/s	/s	PUNCT
fsr-3379	245	5	oc	oc	PROPN
fsr-3379	245	6	ia	ia	PROPN
fsr-3379	245	7	l	l	PROPN
fsr-3379	245	8	sc	sc	PROPN
fsr-3379	245	9	ie	ie	X
fsr-3379	245	10	nc	nc	PROPN
fsr-3379	245	11	e	e	PROPN
fsr-3379	245	12	29	29	NUM
fsr-3379	245	13	8	8	NUM
fsr-3379	245	14	,	,	PUNCT
fsr-3379	245	15	95	95	NUM
fsr-3379	245	16	2	2	NUM
fsr-3379	245	17	(	(	PUNCT
fsr-3379	245	18	2	2	NUM
fsr-3379	245	19	47	47	NUM
fsr-3379	245	20	,	,	PUNCT
fsr-3379	245	21	1	1	NUM
fsr-3379	245	22	48	48	NUM
fsr-3379	245	23	)	)	PUNCT
fsr-3379	245	24	.0	.0	NUM
fsr-3379	246	1	48	48	NUM
fsr-3379	246	2	.2	.2	NUM
fsr-3379	246	3	27	27	NUM
fsr-3379	246	4	c	c	NOUN
fsr-3379	246	5	om	om	PROPN
fsr-3379	246	6	m	m	PROPN
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fsr-3379	246	9	/s	/s	PUNCT
fsr-3379	246	10	oc	oc	PROPN
fsr-3379	246	11	ia	ia	PROPN
fsr-3379	246	12	l	l	PROPN
fsr-3379	246	13	se	se	PROPN
fsr-3379	246	14	rv	rv	PROPN
fsr-3379	247	1	ic	ic	PROPN
fsr-3379	248	1	e	e	PROPN
fsr-3379	248	2	23	23	NUM
fsr-3379	248	3	6	6	NUM
fsr-3379	248	4	,	,	PUNCT
fsr-3379	248	5	65	65	NUM
fsr-3379	248	6	2	2	NUM
fsr-3379	248	7	(	(	PUNCT
fsr-3379	248	8	2	2	NUM
fsr-3379	248	9	05	05	NUM
fsr-3379	248	10	,	,	PUNCT
fsr-3379	248	11	1	1	NUM
fsr-3379	248	12	11	11	NUM
fsr-3379	248	13	)	)	PUNCT
fsr-3379	248	14	.0	.0	NUM
fsr-3379	248	15	49	49	NUM
fsr-3379	249	1	.2	.2	NUM
fsr-3379	249	2	49	49	NUM
fsr-3379	249	3	l	l	NOUN
fsr-3379	249	4	eg	eg	NOUN
fsr-3379	249	5	al	al	PROPN
fsr-3379	249	6	47	47	NUM
fsr-3379	249	7	1	1	NUM
fsr-3379	249	8	,	,	PUNCT
fsr-3379	249	9	80	80	NUM
fsr-3379	249	10	5	5	NUM
fsr-3379	249	11	(	(	PUNCT
fsr-3379	249	12	2	2	NUM
fsr-3379	249	13	00	00	NUM
fsr-3379	249	14	,	,	PUNCT
fsr-3379	249	15	7	7	NUM
fsr-3379	249	16	86	86	NUM
fsr-3379	249	17	)	)	PUNCT
fsr-3379	249	18	.1	.1	NUM
fsr-3379	249	19	04	04	NUM
fsr-3379	250	1	.0	.0	NUM
fsr-3379	250	2	19	19	NUM
fsr-3379	250	3	e	e	NOUN
fsr-3379	250	4	du	du	PROPN
fsr-3379	250	5	ca	can	AUX
fsr-3379	250	6	tio	tio	ADV
fsr-3379	250	7	n/	n/	ADV
fsr-3379	250	8	tr	tr	VERB
fsr-3379	250	9	ai	ai	PROPN
fsr-3379	250	10	ni	ni	PROPN
fsr-3379	250	11	ng	ng	PROPN
fsr-3379	250	12	/li	/li	PUNCT
fsr-3379	251	1	br	br	PROPN
fsr-3379	251	2	ar	ar	PROPN
fsr-3379	251	3	y	y	PROPN
fsr-3379	251	4	79	79	NUM
fsr-3379	251	5	,	,	PUNCT
fsr-3379	251	6	0	0	NUM
fsr-3379	251	7	24	24	NUM
fsr-3379	251	8	(	(	PUNCT
fsr-3379	251	9	1	1	NUM
fsr-3379	251	10	42	42	NUM
fsr-3379	251	11	,	,	PUNCT
fsr-3379	251	12	6	6	NUM
fsr-3379	251	13	10	10	NUM
fsr-3379	251	14	)	)	PUNCT
fsr-3379	251	15	.0	.0	NUM
fsr-3379	252	1	33	33	NUM
fsr-3379	252	2	.5	.5	NUM
fsr-3379	252	3	80	80	NUM
fsr-3379	252	4	a	a	DET
fsr-3379	252	5	rt	rt	NOUN
fsr-3379	252	6	s/	s/	NOUN
fsr-3379	252	7	de	de	PROPN
fsr-3379	252	8	si	si	PROPN
fsr-3379	252	9	gn	gn	PROPN
fsr-3379	252	10	/s	/s	PUNCT
fsr-3379	252	11	po	po	PROPN
fsr-3379	252	12	rt	rt	PROPN
fsr-3379	252	13	s/	s/	NOUN
fsr-3379	252	14	m	m	PROPN
fsr-3379	252	15	ed	ed	PROPN
fsr-3379	252	16	ia	ia	PROPN
fsr-3379	252	17	�	�	PROPN
fsr-3379	252	18	6	6	NUM
fsr-3379	252	19	,	,	PUNCT
fsr-3379	252	20	93	93	NUM
fsr-3379	252	21	5	5	NUM
fsr-3379	252	22	(	(	PUNCT
fsr-3379	252	23	2	2	NUM
fsr-3379	252	24	38	38	NUM
fsr-3379	252	25	,	,	PUNCT
fsr-3379	252	26	3	3	NUM
fsr-3379	252	27	89	89	NUM
fsr-3379	252	28	)	)	PUNCT
fsr-3379	252	29	�	�	PROPN
fsr-3379	252	30	.0	.0	NUM
fsr-3379	253	1	01	01	NUM
fsr-3379	254	1	.9	.9	NUM
fsr-3379	254	2	77	77	NUM
fsr-3379	255	1	h	h	NOUN
fsr-3379	255	2	ea	ea	INTJ
fsr-3379	255	3	lth	lth	NOUN
fsr-3379	255	4	ca	can	AUX
fsr-3379	255	5	re	re	AUX
fsr-3379	255	6	pr	pr	VERB
fsr-3379	255	7	ac	ac	PROPN
fsr-3379	255	8	tit	tit	PROPN
fsr-3379	255	9	io	io	PROPN
fsr-3379	255	10	ne	ne	PROPN
fsr-3379	255	11	r	r	NOUN
fsr-3379	255	12	12	12	NUM
fsr-3379	255	13	6	6	NUM
fsr-3379	255	14	,	,	PUNCT
fsr-3379	255	15	62	62	NUM
fsr-3379	255	16	7	7	NUM
fsr-3379	255	17	(	(	PUNCT
fsr-3379	255	18	1	1	NUM
fsr-3379	255	19	59	59	NUM
fsr-3379	255	20	,	,	PUNCT
fsr-3379	255	21	9	9	NUM
fsr-3379	255	22	26	26	NUM
fsr-3379	255	23	)	)	PUNCT
fsr-3379	255	24	.0	.0	NUM
fsr-3379	255	25	40	40	NUM
fsr-3379	255	26	.4	.4	NUM
fsr-3379	256	1	29	29	NUM
fsr-3379	256	2	h	h	NOUN
fsr-3379	256	3	ea	ea	NOUN
fsr-3379	257	1	lth	lth	PROPN
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fsr-3379	257	3	re	re	VERB
fsr-3379	257	4	su	su	PROPN
fsr-3379	258	1	pp	pp	ADV
fsr-3379	258	2	or	or	CCONJ
fsr-3379	258	3	t	t	PROPN
fsr-3379	258	4	�	�	PROPN
fsr-3379	258	5	15	15	NUM
fsr-3379	258	6	3	3	NUM
fsr-3379	258	7	,	,	PUNCT
fsr-3379	258	8	40	40	NUM
fsr-3379	258	9	5	5	NUM
fsr-3379	258	10	(	(	PUNCT
fsr-3379	258	11	5	5	NUM
fsr-3379	258	12	59	59	NUM
fsr-3379	258	13	,	,	PUNCT
fsr-3379	258	14	2	2	NUM
fsr-3379	258	15	65	65	NUM
fsr-3379	258	16	)	)	PUNCT
fsr-3379	258	17	�	�	PROPN
fsr-3379	258	18	.0	.0	NUM
fsr-3379	259	1	10	10	NUM
fsr-3379	259	2	.7	.7	NUM
fsr-3379	259	3	84	84	NUM
fsr-3379	259	4	pr	pr	NOUN
fsr-3379	259	5	ot	ot	NOUN
fsr-3379	259	6	ec	ec	PROPN
fsr-3379	259	7	tiv	tiv	PROPN
fsr-3379	259	8	e	e	PROPN
fsr-3379	259	9	se	se	PROPN
fsr-3379	259	10	rv	rv	PROPN
fsr-3379	260	1	ic	ic	PROPN
fsr-3379	260	2	e	e	PROPN
fsr-3379	260	3	26	26	NUM
fsr-3379	260	4	4	4	NUM
fsr-3379	260	5	,	,	PUNCT
fsr-3379	260	6	66	66	NUM
fsr-3379	260	7	3	3	NUM
fsr-3379	260	8	(	(	PUNCT
fsr-3379	260	9	4	4	NUM
fsr-3379	260	10	01	01	NUM
fsr-3379	260	11	,	,	PUNCT
fsr-3379	260	12	2	2	NUM
fsr-3379	260	13	28	28	NUM
fsr-3379	260	14	)	)	PUNCT
fsr-3379	260	15	.0	.0	NUM
fsr-3379	261	1	24	24	NUM
fsr-3379	261	2	.5	.5	NUM
fsr-3379	261	3	10	10	NUM
fsr-3379	261	4	fo	fo	ADP
fsr-3379	261	5	od	od	PROPN
fsr-3379	261	6	pr	pr	VERB
fsr-3379	261	7	ep	ep	PROPN
fsr-3379	261	8	ar	ar	PROPN
fsr-3379	261	9	at	at	ADP
fsr-3379	261	10	io	io	PROPN
fsr-3379	261	11	n/	n/	PROPN
fsr-3379	261	12	se	se	PROPN
fsr-3379	261	13	rv	rv	PROPN
fsr-3379	261	14	in	in	ADP
fsr-3379	261	15	g	g	PROPN
fsr-3379	261	16	�	�	PROPN
fsr-3379	261	17	27	27	NUM
fsr-3379	261	18	0	0	NUM
fsr-3379	261	19	,	,	PUNCT
fsr-3379	261	20	17	17	NUM
fsr-3379	261	21	2	2	NUM
fsr-3379	261	22	(	(	PUNCT
fsr-3379	261	23	4	4	NUM
fsr-3379	261	24	08	08	NUM
fsr-3379	261	25	,	,	PUNCT
fsr-3379	261	26	5	5	NUM
fsr-3379	261	27	22	22	NUM
fsr-3379	261	28	)	)	PUNCT
fsr-3379	261	29	�	�	PROPN
fsr-3379	261	30	.0	.0	NUM
fsr-3379	261	31	24	24	NUM
fsr-3379	261	32	.5	.5	NUM
fsr-3379	261	33	09	09	NUM
fsr-3379	261	34	b	b	NOUN
fsr-3379	261	35	ui	ui	PROPN
fsr-3379	261	36	ld	ld	PROPN
fsr-3379	261	37	in	in	ADP
fsr-3379	261	38	g/	g/	NOUN
fsr-3379	261	39	gr	gr	INTJ
fsr-3379	261	40	ou	ou	INTJ
fsr-3379	261	41	nd	nd	ADV
fsr-3379	261	42	cl	cl	PROPN
fsr-3379	261	43	ea	ea	PROPN
fsr-3379	261	44	ni	ni	PROPN
fsr-3379	261	45	ng	ng	PROPN
fsr-3379	261	46	�	�	PROPN
fsr-3379	261	47	11	11	NUM
fsr-3379	261	48	8	8	NUM
fsr-3379	261	49	,	,	PUNCT
fsr-3379	261	50	75	75	NUM
fsr-3379	261	51	9	9	NUM
fsr-3379	261	52	(	(	PUNCT
fsr-3379	261	53	3	3	NUM
fsr-3379	261	54	75	75	NUM
fsr-3379	261	55	,	,	PUNCT
fsr-3379	261	56	2	2	NUM
fsr-3379	261	57	28	28	NUM
fsr-3379	261	58	)	)	PUNCT
fsr-3379	261	59	�	�	PROPN
fsr-3379	261	60	.0	.0	NUM
fsr-3379	262	1	12	12	NUM
fsr-3379	262	2	.7	.7	NUM
fsr-3379	262	3	52	52	NUM
fsr-3379	262	4	pe	pe	NOUN
fsr-3379	262	5	rs	rs	NOUN
fsr-3379	262	6	on	on	ADP
fsr-3379	262	7	al	al	PROPN
fsr-3379	262	8	ca	can	AUX
fsr-3379	262	9	re	re	VERB
fsr-3379	262	10	/s	/s	VERB
fsr-3379	262	11	er	er	INTJ
fsr-3379	262	12	vi	vi	PROPN
fsr-3379	262	13	ce	ce	PROPN
fsr-3379	262	14	�	�	PROPN
fsr-3379	262	15	13	13	NUM
fsr-3379	262	16	4	4	NUM
fsr-3379	262	17	,	,	PUNCT
fsr-3379	262	18	13	13	NUM
fsr-3379	262	19	5	5	NUM
fsr-3379	262	20	(	(	PUNCT
fsr-3379	262	21	2	2	NUM
fsr-3379	262	22	31	31	NUM
fsr-3379	262	23	,	,	PUNCT
fsr-3379	262	24	2	2	NUM
fsr-3379	262	25	84	84	NUM
fsr-3379	262	26	)	)	PUNCT
fsr-3379	262	27	�	�	PROPN
fsr-3379	262	28	.0	.0	NUM
fsr-3379	262	29	24	24	NUM
fsr-3379	262	30	.5	.5	NUM
fsr-3379	262	31	62	62	NUM
fsr-3379	262	32	sa	sa	X
fsr-3379	262	33	le	le	PROPN
fsr-3379	262	34	s	s	PROPN
fsr-3379	262	35	28	28	NUM
fsr-3379	262	36	1	1	NUM
fsr-3379	262	37	,	,	PUNCT
fsr-3379	262	38	46	46	NUM
fsr-3379	262	39	2	2	NUM
fsr-3379	262	40	(	(	PUNCT
fsr-3379	262	41	1	1	NUM
fsr-3379	262	42	64	64	NUM
fsr-3379	262	43	,	,	PUNCT
fsr-3379	262	44	3	3	NUM
fsr-3379	262	45	55	55	NUM
fsr-3379	262	46	)	)	PUNCT
fsr-3379	262	47	.0	.0	NUM
fsr-3379	262	48	87	87	NUM
fsr-3379	262	49	.0	.0	NUM
fsr-3379	262	50	87	87	NUM
fsr-3379	262	51	c	c	NOUN
fsr-3379	262	52	on	on	ADP
fsr-3379	262	53	st	st	PROPN
fsr-3379	262	54	ru	ru	PROPN
fsr-3379	262	55	ct	ct	PROPN
fsr-3379	262	56	io	io	PROPN
fsr-3379	262	57	n/	n/	ADV
fsr-3379	262	58	ex	ex	X
fsr-3379	262	59	tr	tr	VERB
fsr-3379	262	60	ac	ac	PROPN
fsr-3379	262	61	tio	tio	NOUN
fsr-3379	262	62	n	n	PROPN
fsr-3379	262	63	18	18	NUM
fsr-3379	262	64	3	3	NUM
fsr-3379	262	65	,	,	PUNCT
fsr-3379	262	66	31	31	NUM
fsr-3379	262	67	2	2	NUM
fsr-3379	262	68	(	(	PUNCT
fsr-3379	262	69	3	3	NUM
fsr-3379	262	70	26	26	NUM
fsr-3379	262	71	,	,	PUNCT
fsr-3379	262	72	3	3	NUM
fsr-3379	262	73	61	61	NUM
fsr-3379	262	74	)	)	PUNCT
fsr-3379	262	75	.0	.0	NUM
fsr-3379	262	76	21	21	NUM
fsr-3379	262	77	.5	.5	NUM
fsr-3379	262	78	75	75	NUM
fsr-3379	262	79	in	in	ADP
fsr-3379	262	80	st	st	PROPN
fsr-3379	262	81	al	al	PROPN
fsr-3379	262	82	la	la	PROPN
fsr-3379	262	83	tio	tio	PROPN
fsr-3379	262	84	n/	n/	ADV
fsr-3379	262	85	m	m	VERB
fsr-3379	262	86	ai	be	VERB
fsr-3379	262	87	nt	not	PART
fsr-3379	262	88	en	en	ADV
fsr-3379	262	89	an	an	PROPN
fsr-3379	262	90	ce	ce	PROPN
fsr-3379	262	91	/r	/r	PUNCT
fsr-3379	263	1	ep	ep	PROPN
fsr-3379	263	2	ai	ai	VERB
fsr-3379	263	3	r	r	PROPN
fsr-3379	263	4	�	�	PROPN
fsr-3379	263	5	50	50	NUM
fsr-3379	263	6	9	9	NUM
fsr-3379	263	7	,	,	PUNCT
fsr-3379	263	8	46	46	NUM
fsr-3379	263	9	3	3	NUM
fsr-3379	263	10	(	(	PUNCT
fsr-3379	263	11	4	4	NUM
fsr-3379	263	12	36	36	NUM
fsr-3379	263	13	,	,	PUNCT
fsr-3379	263	14	5	5	NUM
fsr-3379	263	15	72	72	NUM
fsr-3379	263	16	)	)	PUNCT
fsr-3379	263	17	�	�	PROPN
fsr-3379	263	18	.0	.0	NUM
fsr-3379	264	1	43	43	NUM
fsr-3379	264	2	.2	.2	NUM
fsr-3379	264	3	44	44	NUM
fsr-3379	264	4	pr	pr	NOUN
fsr-3379	264	5	od	od	INTJ
fsr-3379	264	6	uc	uc	PROPN
fsr-3379	264	7	tio	tio	PROPN
fsr-3379	264	8	n	n	PRON
fsr-3379	264	9	�	�	PROPN
fsr-3379	264	10	46	46	NUM
fsr-3379	264	11	,	,	PUNCT
fsr-3379	264	12	2	2	NUM
fsr-3379	264	13	50	50	NUM
fsr-3379	264	14	(	(	PUNCT
fsr-3379	264	15	2	2	NUM
fsr-3379	264	16	37	37	NUM
fsr-3379	264	17	,	,	PUNCT
fsr-3379	264	18	9	9	NUM
fsr-3379	264	19	10	10	NUM
fsr-3379	264	20	)	)	PUNCT
fsr-3379	264	21	�	�	PROPN
fsr-3379	264	22	.0	.0	NUM
fsr-3379	265	1	08	08	NUM
fsr-3379	266	1	.8	.8	NUM
fsr-3379	266	2	46	46	NUM
fsr-3379	267	1	t	t	NOUN
fsr-3379	267	2	ra	ra	PROPN
fsr-3379	267	3	ns	ns	INTJ
fsr-3379	267	4	po	po	PROPN
fsr-3379	267	5	rt	rt	PROPN
fsr-3379	267	6	at	at	ADP
fsr-3379	267	7	io	io	PROPN
fsr-3379	267	8	n/	n/	PROPN
fsr-3379	267	9	m	m	VERB
fsr-3379	267	10	at	at	ADP
fsr-3379	267	11	er	er	INTJ
fsr-3379	267	12	ia	ia	PROPN
fsr-3379	267	13	l	l	NOUN
fsr-3379	267	14	m	m	VERB
fsr-3379	267	15	ov	ov	VERB
fsr-3379	267	16	in	in	ADP
fsr-3379	267	17	g	g	PROPN
fsr-3379	267	18	�	�	PROPN
fsr-3379	267	19	11	11	NUM
fsr-3379	267	20	,	,	PUNCT
fsr-3379	267	21	5	5	NUM
fsr-3379	267	22	41	41	NUM
fsr-3379	267	23	(	(	PUNCT
fsr-3379	267	24	3	3	NUM
fsr-3379	267	25	02	02	NUM
fsr-3379	267	26	,	,	PUNCT
fsr-3379	267	27	2	2	NUM
fsr-3379	267	28	59	59	NUM
fsr-3379	267	29	)	)	PUNCT
fsr-3379	267	30	�	�	PROPN
fsr-3379	267	31	.0	.0	NUM
fsr-3379	268	1	01	01	NUM
fsr-3379	269	1	.9	.9	NUM
fsr-3379	269	2	70	70	NUM
fsr-3379	269	3	m	m	NOUN
fsr-3379	269	4	ili	ili	PROPN
fsr-3379	269	5	ta	ta	X
fsr-3379	269	6	ry	ry	PROPN
fsr-3379	269	7	�	�	PROPN
fsr-3379	269	8	54	54	NUM
fsr-3379	269	9	9	9	NUM
fsr-3379	269	10	,	,	PUNCT
fsr-3379	269	11	54	54	NUM
fsr-3379	269	12	7	7	NUM
fsr-3379	269	13	(	(	PUNCT
fsr-3379	269	14	6	6	NUM
fsr-3379	269	15	33	33	NUM
fsr-3379	269	16	,	,	PUNCT
fsr-3379	269	17	1	1	NUM
fsr-3379	269	18	95	95	NUM
fsr-3379	269	19	)	)	PUNCT
fsr-3379	269	20	�	�	PROPN
fsr-3379	269	21	.0	.0	NUM
fsr-3379	269	22	31	31	NUM
fsr-3379	269	23	.3	.3	NUM
fsr-3379	269	24	86	86	NUM
fsr-3379	269	25	in	in	ADP
fsr-3379	269	26	te	te	PROPN
fsr-3379	269	27	rc	rc	PROPN
fsr-3379	269	28	ep	ep	PROPN
fsr-3379	269	29	t	t	PROPN
fsr-3379	269	30	2	2	NUM
fsr-3379	269	31	,	,	PUNCT
fsr-3379	269	32	31	31	NUM
fsr-3379	269	33	3	3	NUM
fsr-3379	269	34	,	,	PUNCT
fsr-3379	269	35	57	57	NUM
fsr-3379	269	36	7	7	NUM
fsr-3379	269	37	(	(	PUNCT
fsr-3379	269	38	3	3	NUM
fsr-3379	269	39	70	70	NUM
fsr-3379	269	40	,	,	PUNCT
fsr-3379	269	41	5	5	NUM
fsr-3379	269	42	63	63	NUM
fsr-3379	269	43	)	)	PUNCT
fsr-3379	269	44	.0	.0	NUM
fsr-3379	269	45	00	00	NUM
fsr-3379	269	46	1	1	NUM
fsr-3379	269	47	,	,	PUNCT
fsr-3379	269	48	41	41	NUM
fsr-3379	269	49	7	7	NUM
fsr-3379	269	50	,	,	PUNCT
fsr-3379	269	51	08	08	NUM
fsr-3379	269	52	5	5	NUM
fsr-3379	269	53	(	(	PUNCT
fsr-3379	269	54	4	4	NUM
fsr-3379	269	55	11	11	NUM
fsr-3379	269	56	,	,	PUNCT
fsr-3379	269	57	0	0	NUM
fsr-3379	269	58	10	10	NUM
fsr-3379	269	59	)	)	PUNCT
fsr-3379	269	60	.0	.0	NUM
fsr-3379	269	61	04	04	NUM
fsr-3379	269	62	1	1	NUM
fsr-3379	269	63	,	,	PUNCT
fsr-3379	269	64	70	70	NUM
fsr-3379	269	65	8	8	NUM
fsr-3379	269	66	,	,	PUNCT
fsr-3379	269	67	77	77	NUM
fsr-3379	269	68	3	3	NUM
fsr-3379	269	69	(	(	PUNCT
fsr-3379	269	70	7	7	NUM
fsr-3379	269	71	54	54	NUM
fsr-3379	269	72	,	,	PUNCT
fsr-3379	269	73	4	4	NUM
fsr-3379	269	74	63	63	NUM
fsr-3379	269	75	)	)	PUNCT
fsr-3379	269	76	.0	.0	NUM
fsr-3379	269	77	24	24	NUM
fsr-3379	269	78	a	a	DET
fsr-3379	269	79	dj	dj	NOUN
fsr-3379	269	80	us	we	PRON
fsr-3379	269	81	te	te	PROPN
fsr-3379	269	82	d	d	NOUN
fsr-3379	269	83	r	r	PROPN
fsr-3379	269	84	2	2	NUM
fsr-3379	269	85	.0	.0	NUM
fsr-3379	269	86	20	20	NUM
fsr-3379	269	87	.0	.0	NUM
fsr-3379	269	88	46	46	NUM
fsr-3379	269	89	.1	.1	NUM
fsr-3379	269	90	57	57	NUM
fsr-3379	269	91	m	m	NOUN
fsr-3379	269	92	al	al	PROPN
fsr-3379	269	93	e	e	PROPN
fsr-3379	269	94	,	,	PUNCT
fsr-3379	269	95	w	w	PROPN
fsr-3379	269	96	hi	hi	INTJ
fsr-3379	269	97	te	te	PROPN
fsr-3379	269	98	,	,	PUNCT
fsr-3379	269	99	m	m	PROPN
fsr-3379	269	100	ar	ar	PROPN
fsr-3379	269	101	ri	ri	PROPN
fsr-3379	269	102	ed	ed	PROPN
fsr-3379	269	103	,	,	PUNCT
fsr-3379	269	104	an	an	DET
fsr-3379	269	105	d	d	X
fsr-3379	269	106	oc	oc	ADP
fsr-3379	269	107	cu	cu	PROPN
fsr-3379	269	108	pa	pa	PROPN
fsr-3379	269	109	tio	tio	PROPN
fsr-3379	269	110	n	n	INTJ
fsr-3379	269	111	ty	ty	INTJ
fsr-3379	269	112	pe	pe	INTJ
fsr-3379	269	113	of	of	ADP
fsr-3379	269	114	of	of	ADP
fsr-3379	269	115	fic	fic	PROPN
fsr-3379	269	116	e/	e/	PROPN
fsr-3379	269	117	ad	ad	PROPN
fsr-3379	269	118	m	m	VERB
fsr-3379	269	119	in	in	ADP
fsr-3379	269	120	is	be	AUX
fsr-3379	269	121	tr	tr	VERB
fsr-3379	269	122	at	at	ADP
fsr-3379	269	123	io	io	PROPN
fsr-3379	269	124	n	n	PRON
fsr-3379	269	125	su	su	PROPN
fsr-3379	270	1	pp	pp	ADV
fsr-3379	270	2	or	or	CCONJ
fsr-3379	270	3	t	t	PROPN
fsr-3379	270	4	ar	ar	PROPN
fsr-3379	270	5	e	e	PROPN
fsr-3379	270	6	re	re	X
fsr-3379	270	7	fe	fe	X
fsr-3379	270	8	re	re	X
fsr-3379	270	9	nc	nc	PROPN
fsr-3379	270	10	e	e	PROPN
fsr-3379	270	11	gr	gr	X
fsr-3379	270	12	ou	ou	ADP
fsr-3379	270	13	ps	ps	PROPN
fsr-3379	270	14	.	.	PUNCT
fsr-3379	271	1	d	d	X
fsr-3379	271	2	ep	ep	PROPN
fsr-3379	271	3	en	en	PROPN
fsr-3379	271	4	de	de	PROPN
fsr-3379	271	5	nt	nt	PROPN
fsr-3379	271	6	va	va	PROPN
fsr-3379	271	7	ri	ri	PROPN
fsr-3379	271	8	ab	ab	PROPN
fsr-3379	271	9	le	le	PROPN
fsr-3379	271	10	is	be	AUX
fsr-3379	271	11	th	th	X
fsr-3379	271	12	e	e	X
fsr-3379	271	13	do	do	AUX
fsr-3379	271	14	lla	lla	NOUN
fsr-3379	271	15	r	r	NOUN
fsr-3379	271	16	am	be	AUX
fsr-3379	271	17	ou	ou	ADP
fsr-3379	271	18	nt	not	PART
fsr-3379	271	19	s	s	PROPN
fsr-3379	271	20	of	of	ADP
fsr-3379	271	21	ho	ho	PROPN
fsr-3379	271	22	us	us	PROPN
fsr-3379	271	23	eh	eh	INTJ
fsr-3379	271	24	ol	ol	PROPN
fsr-3379	271	25	d	d	PROPN
fsr-3379	271	26	ne	ne	PROPN
fsr-3379	271	27	t	t	PROPN
fsr-3379	271	28	w	w	PROPN
fsr-3379	271	29	or	or	CCONJ
fsr-3379	271	30	th	th	X
fsr-3379	271	31	.	.	PUNCT
fsr-3379	272	1	39h	39h	NOUN
fsr-3379	272	2	.	.	PUNCT
fsr-3379	273	1	kim	kim	PROPN
fsr-3379	273	2	et	et	PROPN
fsr-3379	273	3	al	al	PROPN
fsr-3379	273	4	.	.	PUNCT
fsr-3379	273	5	/	/	SYM
fsr-3379	273	6	financial	financial	ADJ
fsr-3379	273	7	services	service	NOUN
fsr-3379	273	8	review	review	VERB
fsr-3379	273	9	27	27	NUM
fsr-3379	273	10	(	(	PUNCT
fsr-3379	273	11	2018	2018	NUM
fsr-3379	273	12	)	)	PUNCT
fsr-3379	273	13	29	29	NUM
fsr-3379	273	14	-	-	SYM
fsr-3379	273	15	45	45	NUM
fsr-3379	273	16	to	to	ADP
fsr-3379	273	17	retirement	retirement	NOUN
fsr-3379	273	18	wealth	wealth	NOUN
fsr-3379	273	19	.	.	PUNCT
fsr-3379	274	1	this	this	DET
fsr-3379	274	2	result	result	NOUN
fsr-3379	274	3	indicates	indicate	VERB
fsr-3379	274	4	that	that	SCONJ
fsr-3379	274	5	as	as	ADP
fsr-3379	274	6	age	age	NOUN
fsr-3379	274	7	when	when	SCONJ
fsr-3379	274	8	first	first	ADJ
fsr-3379	274	9	employed	employ	VERB
fsr-3379	274	10	increases	increase	NOUN
fsr-3379	274	11	,	,	PUNCT
fsr-3379	274	12	accumulated	accumulate	VERB
fsr-3379	274	13	retirement	retirement	NOUN
fsr-3379	274	14	wealth	wealth	NOUN
fsr-3379	274	15	declines	decline	VERB
fsr-3379	274	16	after	after	ADP
fsr-3379	274	17	controlling	control	VERB
fsr-3379	274	18	for	for	ADP
fsr-3379	274	19	the	the	DET
fsr-3379	274	20	number	number	NOUN
fsr-3379	274	21	of	of	ADP
fsr-3379	274	22	working	working	ADJ
fsr-3379	274	23	years	year	NOUN
fsr-3379	274	24	,	,	PUNCT
fsr-3379	274	25	occupation	occupation	NOUN
fsr-3379	274	26	types	type	NOUN
fsr-3379	274	27	,	,	PUNCT
fsr-3379	274	28	and	and	CCONJ
fsr-3379	274	29	relevant	relevant	ADJ
fsr-3379	274	30	demographic	demographic	ADJ
fsr-3379	274	31	characteristics	characteristic	NOUN
fsr-3379	274	32	.	.	PUNCT
fsr-3379	275	1	the	the	DET
fsr-3379	275	2	coefficient	coefficient	NOUN
fsr-3379	275	3	of	of	ADP
fsr-3379	275	4	age	age	NOUN
fsr-3379	275	5	when	when	SCONJ
fsr-3379	275	6	first	first	ADV
fsr-3379	275	7	employed	employ	VERB
fsr-3379	275	8	is	be	AUX
fsr-3379	275	9	-7,534	-7,534	NUM
fsr-3379	275	10	,	,	PUNCT
fsr-3379	275	11	indicating	indicate	VERB
fsr-3379	275	12	that	that	SCONJ
fsr-3379	275	13	starting	start	VERB
fsr-3379	275	14	employment	employment	NOUN
fsr-3379	275	15	one	one	NUM
fsr-3379	275	16	year	year	NOUN
fsr-3379	275	17	later	later	ADV
fsr-3379	275	18	in	in	ADP
fsr-3379	275	19	their	their	PRON
fsr-3379	275	20	20s	20	NOUN
fsr-3379	275	21	or	or	CCONJ
fsr-3379	275	22	30s	30	NOUN
fsr-3379	275	23	leads	lead	VERB
fsr-3379	275	24	to	to	ADP
fsr-3379	275	25	$	$	SYM
fsr-3379	275	26	7,534	7,534	NUM
fsr-3379	275	27	less	less	ADJ
fsr-3379	275	28	retirement	retirement	NOUN
fsr-3379	275	29	wealth	wealth	NOUN
fsr-3379	275	30	in	in	ADP
fsr-3379	275	31	later	later	ADJ
fsr-3379	275	32	years	year	NOUN
fsr-3379	275	33	after	after	ADP
fsr-3379	275	34	controlling	control	VERB
fsr-3379	275	35	for	for	ADP
fsr-3379	275	36	the	the	DET
fsr-3379	275	37	number	number	NOUN
fsr-3379	275	38	of	of	ADP
fsr-3379	275	39	years	year	NOUN
fsr-3379	275	40	employed	employ	VERB
fsr-3379	275	41	.	.	PUNCT
fsr-3379	276	1	panel	panel	NOUN
fsr-3379	276	2	b	b	PROPN
fsr-3379	276	3	presents	present	VERB
fsr-3379	276	4	the	the	DET
fsr-3379	276	5	results	result	NOUN
fsr-3379	276	6	of	of	ADP
fsr-3379	276	7	the	the	DET
fsr-3379	276	8	college	college	NOUN
fsr-3379	276	9	group	group	NOUN
fsr-3379	276	10	.	.	PUNCT
fsr-3379	277	1	consistent	consistent	ADJ
fsr-3379	277	2	with	with	ADP
fsr-3379	277	3	the	the	DET
fsr-3379	277	4	high	high	ADJ
fsr-3379	277	5	school	school	NOUN
fsr-3379	277	6	group	group	NOUN
fsr-3379	277	7	in	in	ADP
fsr-3379	277	8	models	model	NOUN
fsr-3379	277	9	1	1	NUM
fsr-3379	277	10	,	,	PUNCT
fsr-3379	277	11	2	2	NUM
fsr-3379	277	12	and	and	CCONJ
fsr-3379	277	13	3	3	NUM
fsr-3379	277	14	,	,	PUNCT
fsr-3379	277	15	the	the	DET
fsr-3379	277	16	results	result	NOUN
fsr-3379	277	17	show	show	VERB
fsr-3379	277	18	that	that	SCONJ
fsr-3379	277	19	accumulated	accumulate	VERB
fsr-3379	277	20	wealth	wealth	NOUN
fsr-3379	277	21	declines	decline	VERB
fsr-3379	277	22	with	with	ADP
fsr-3379	277	23	an	an	DET
fsr-3379	277	24	increase	increase	NOUN
fsr-3379	277	25	in	in	ADP
fsr-3379	277	26	age	age	NOUN
fsr-3379	277	27	when	when	SCONJ
fsr-3379	277	28	first	first	ADV
fsr-3379	277	29	employed	employ	VERB
fsr-3379	277	30	.	.	PUNCT
fsr-3379	278	1	the	the	DET
fsr-3379	278	2	coefficient	coefficient	NOUN
fsr-3379	278	3	of	of	ADP
fsr-3379	278	4	age	age	NOUN
fsr-3379	278	5	when	when	SCONJ
fsr-3379	278	6	first	first	ADV
fsr-3379	278	7	employed	employ	VERB
fsr-3379	278	8	in	in	ADP
fsr-3379	278	9	model	model	NOUN
fsr-3379	278	10	3	3	NUM
fsr-3379	278	11	is	be	AUX
fsr-3379	278	12	-35,103	-35,103	NOUN
fsr-3379	278	13	,	,	PUNCT
fsr-3379	278	14	indicating	indicate	VERB
fsr-3379	278	15	that	that	SCONJ
fsr-3379	278	16	starting	start	VERB
fsr-3379	278	17	employment	employment	NOUN
fsr-3379	278	18	one	one	NUM
fsr-3379	278	19	year	year	NOUN
fsr-3379	278	20	later	later	ADV
fsr-3379	278	21	in	in	ADP
fsr-3379	278	22	their	their	PRON
fsr-3379	278	23	20s	20	NOUN
fsr-3379	278	24	or	or	CCONJ
fsr-3379	278	25	30s	30	NOUN
fsr-3379	278	26	leads	lead	VERB
fsr-3379	278	27	to	to	ADP
fsr-3379	278	28	$	$	SYM
fsr-3379	278	29	35,103	35,103	NUM
fsr-3379	278	30	less	less	ADJ
fsr-3379	278	31	retirement	retirement	NOUN
fsr-3379	278	32	wealth	wealth	NOUN
fsr-3379	278	33	in	in	ADP
fsr-3379	278	34	later	later	ADJ
fsr-3379	278	35	years	year	NOUN
fsr-3379	278	36	after	after	ADP
fsr-3379	278	37	controlling	control	VERB
fsr-3379	278	38	for	for	ADP
fsr-3379	278	39	the	the	DET
fsr-3379	278	40	number	number	NOUN
fsr-3379	278	41	of	of	ADP
fsr-3379	278	42	years	year	NOUN
fsr-3379	278	43	employed	employ	VERB
fsr-3379	278	44	.	.	PUNCT
fsr-3379	279	1	not	not	PART
fsr-3379	279	2	surprisingly	surprisingly	ADV
fsr-3379	279	3	,	,	PUNCT
fsr-3379	279	4	non	non	ADJ
fsr-3379	279	5	-	-	ADJ
fsr-3379	279	6	white	white	ADJ
fsr-3379	279	7	and	and	CCONJ
fsr-3379	279	8	unmarried	unmarried	ADJ
fsr-3379	279	9	individuals	individual	NOUN
fsr-3379	279	10	have	have	VERB
fsr-3379	279	11	lower	low	ADJ
fsr-3379	279	12	retirement	retirement	NOUN
fsr-3379	279	13	wealth	wealth	NOUN
fsr-3379	279	14	for	for	ADP
fsr-3379	279	15	both	both	DET
fsr-3379	279	16	groups	group	NOUN
fsr-3379	279	17	.	.	PUNCT
fsr-3379	280	1	current	current	ADJ
fsr-3379	280	2	age	age	NOUN
fsr-3379	280	3	and	and	CCONJ
fsr-3379	280	4	the	the	DET
fsr-3379	280	5	number	number	NOUN
fsr-3379	280	6	of	of	ADP
fsr-3379	280	7	years	year	NOUN
fsr-3379	280	8	employed	employ	VERB
fsr-3379	280	9	have	have	VERB
fsr-3379	280	10	a	a	DET
fsr-3379	280	11	positive	positive	ADJ
fsr-3379	280	12	relationship	relationship	NOUN
fsr-3379	280	13	with	with	ADP
fsr-3379	280	14	accumulated	accumulate	VERB
fsr-3379	280	15	wealth	wealth	NOUN
fsr-3379	280	16	for	for	ADP
fsr-3379	280	17	the	the	DET
fsr-3379	280	18	high	high	ADJ
fsr-3379	280	19	school	school	NOUN
fsr-3379	280	20	group	group	NOUN
fsr-3379	280	21	but	but	CCONJ
fsr-3379	280	22	not	not	PART
fsr-3379	280	23	for	for	ADP
fsr-3379	280	24	the	the	DET
fsr-3379	280	25	college	college	NOUN
fsr-3379	280	26	group	group	NOUN
fsr-3379	280	27	after	after	ADP
fsr-3379	280	28	controlling	control	VERB
fsr-3379	280	29	for	for	ADP
fsr-3379	280	30	other	other	ADJ
fsr-3379	280	31	variables	variable	NOUN
fsr-3379	280	32	.	.	PUNCT
fsr-3379	281	1	among	among	ADP
fsr-3379	281	2	occupations	occupation	NOUN
fsr-3379	281	3	,	,	PUNCT
fsr-3379	281	4	management	management	NOUN
fsr-3379	281	5	is	be	AUX
fsr-3379	281	6	related	relate	VERB
fsr-3379	281	7	to	to	ADP
fsr-3379	281	8	higher	high	ADJ
fsr-3379	281	9	accumulated	accumulate	VERB
fsr-3379	281	10	retirement	retirement	NOUN
fsr-3379	281	11	wealth	wealth	NOUN
fsr-3379	281	12	(	(	PUNCT
fsr-3379	281	13	reference	reference	NOUN
fsr-3379	281	14	group	group	NOUN
fsr-3379	281	15	:	:	PUNCT
fsr-3379	281	16	office	office	NOUN
fsr-3379	281	17	and	and	CCONJ
fsr-3379	281	18	administration	administration	NOUN
fsr-3379	281	19	support	support	NOUN
fsr-3379	281	20	)	)	PUNCT
fsr-3379	281	21	,	,	PUNCT
fsr-3379	281	22	whereas	whereas	SCONJ
fsr-3379	281	23	service	service	NOUN
fsr-3379	281	24	and	and	CCONJ
fsr-3379	281	25	production	production	NOUN
fsr-3379	281	26	occupations	occupation	NOUN
fsr-3379	281	27	lead	lead	VERB
fsr-3379	281	28	to	to	PART
fsr-3379	281	29	lower	low	ADJ
fsr-3379	281	30	accumulated	accumulate	VERB
fsr-3379	281	31	wealth	wealth	NOUN
fsr-3379	281	32	in	in	ADP
fsr-3379	281	33	the	the	DET
fsr-3379	281	34	high	high	ADJ
fsr-3379	281	35	school	school	NOUN
fsr-3379	281	36	group	group	NOUN
fsr-3379	281	37	.	.	PUNCT
fsr-3379	282	1	for	for	ADP
fsr-3379	282	2	the	the	DET
fsr-3379	282	3	college	college	NOUN
fsr-3379	282	4	group	group	NOUN
fsr-3379	282	5	,	,	PUNCT
fsr-3379	282	6	occupations	occupation	NOUN
fsr-3379	282	7	in	in	ADP
fsr-3379	282	8	management	management	NOUN
fsr-3379	282	9	,	,	PUNCT
fsr-3379	282	10	business	business	NOUN
fsr-3379	282	11	/	/	SYM
fsr-3379	282	12	finance	finance	NOUN
fsr-3379	282	13	,	,	PUNCT
fsr-3379	282	14	and	and	CCONJ
fsr-3379	282	15	sales	sale	NOUN
fsr-3379	282	16	show	show	VERB
fsr-3379	282	17	significantly	significantly	ADV
fsr-3379	282	18	higher	high	ADJ
fsr-3379	282	19	accumulated	accumulate	VERB
fsr-3379	282	20	retirement	retirement	NOUN
fsr-3379	282	21	wealth	wealth	NOUN
fsr-3379	282	22	.	.	PUNCT
fsr-3379	283	1	model	model	NOUN
fsr-3379	283	2	3	3	NUM
fsr-3379	283	3	is	be	AUX
fsr-3379	283	4	also	also	ADV
fsr-3379	283	5	used	use	VERB
fsr-3379	283	6	to	to	PART
fsr-3379	283	7	conduct	conduct	VERB
fsr-3379	283	8	several	several	ADJ
fsr-3379	283	9	sensitivity	sensitivity	NOUN
fsr-3379	283	10	analyses	analysis	NOUN
fsr-3379	283	11	with	with	ADP
fsr-3379	283	12	alternative	alternative	ADJ
fsr-3379	283	13	specifications	specification	NOUN
fsr-3379	283	14	such	such	ADJ
fsr-3379	283	15	as	as	ADP
fsr-3379	283	16	unweighted	unweighted	ADJ
fsr-3379	283	17	regression	regression	NOUN
fsr-3379	283	18	,	,	PUNCT
fsr-3379	283	19	natural	natural	ADJ
fsr-3379	283	20	logarithm	logarithm	NOUN
fsr-3379	283	21	transformation	transformation	NOUN
fsr-3379	283	22	of	of	ADP
fsr-3379	283	23	net	net	ADJ
fsr-3379	283	24	worth	worth	NOUN
fsr-3379	283	25	,	,	PUNCT
fsr-3379	283	26	financial	financial	ADJ
fsr-3379	283	27	wealth	wealth	NOUN
fsr-3379	283	28	as	as	ADP
fsr-3379	283	29	a	a	DET
fsr-3379	283	30	dependent	dependent	ADJ
fsr-3379	283	31	variable	variable	NOUN
fsr-3379	283	32	,	,	PUNCT
fsr-3379	283	33	and	and	CCONJ
fsr-3379	283	34	average	average	ADJ
fsr-3379	283	35	salary	salary	NOUN
fsr-3379	283	36	level	level	NOUN
fsr-3379	283	37	of	of	ADP
fsr-3379	283	38	occupation	occupation	NOUN
fsr-3379	283	39	rather	rather	ADV
fsr-3379	283	40	than	than	ADP
fsr-3379	283	41	type	type	NOUN
fsr-3379	283	42	of	of	ADP
fsr-3379	283	43	occupation	occupation	NOUN
fsr-3379	283	44	.	.	PUNCT
fsr-3379	284	1	table	table	NOUN
fsr-3379	284	2	3	3	NUM
fsr-3379	284	3	shows	show	VERB
fsr-3379	284	4	the	the	DET
fsr-3379	284	5	regression	regression	NOUN
fsr-3379	284	6	results	result	NOUN
fsr-3379	284	7	of	of	ADP
fsr-3379	284	8	these	these	DET
fsr-3379	284	9	alternative	alternative	ADJ
fsr-3379	284	10	specifications	specification	NOUN
fsr-3379	284	11	for	for	ADP
fsr-3379	284	12	high	high	ADJ
fsr-3379	284	13	school	school	NOUN
fsr-3379	284	14	(	(	PUNCT
fsr-3379	284	15	panel	panel	NOUN
fsr-3379	284	16	a	a	NOUN
fsr-3379	284	17	)	)	PUNCT
fsr-3379	284	18	and	and	CCONJ
fsr-3379	284	19	college	college	NOUN
fsr-3379	284	20	(	(	PUNCT
fsr-3379	284	21	panel	panel	NOUN
fsr-3379	284	22	b	b	NOUN
fsr-3379	284	23	)	)	PUNCT
fsr-3379	284	24	groups	group	NOUN
fsr-3379	284	25	,	,	PUNCT
fsr-3379	284	26	highlighting	highlight	VERB
fsr-3379	284	27	that	that	DET
fsr-3379	284	28	age	age	NOUN
fsr-3379	284	29	when	when	SCONJ
fsr-3379	284	30	first	first	ADV
fsr-3379	284	31	employed	employ	VERB
fsr-3379	284	32	has	have	VERB
fsr-3379	284	33	a	a	DET
fsr-3379	284	34	consistent	consistent	ADJ
fsr-3379	284	35	negative	negative	ADJ
fsr-3379	284	36	impact	impact	NOUN
fsr-3379	284	37	on	on	ADP
fsr-3379	284	38	accumulated	accumulate	VERB
fsr-3379	284	39	retirement	retirement	NOUN
fsr-3379	284	40	wealth	wealth	NOUN
fsr-3379	284	41	.	.	PUNCT
fsr-3379	285	1	sensitivity	sensitivity	NOUN
fsr-3379	285	2	of	of	ADP
fsr-3379	285	3	the	the	DET
fsr-3379	285	4	results	result	NOUN
fsr-3379	285	5	is	be	AUX
fsr-3379	285	6	further	far	ADV
fsr-3379	285	7	investigated	investigate	VERB
fsr-3379	285	8	by	by	ADP
fsr-3379	285	9	including	include	VERB
fsr-3379	285	10	lump	lump	NOUN
fsr-3379	285	11	sum	sum	NOUN
fsr-3379	285	12	money	money	NOUN
fsr-3379	285	13	such	such	ADJ
fsr-3379	285	14	as	as	ADP
fsr-3379	285	15	inheritance	inheritance	NOUN
fsr-3379	285	16	or	or	CCONJ
fsr-3379	285	17	life	life	NOUN
fsr-3379	285	18	insurance	insurance	NOUN
fsr-3379	285	19	benefits	benefit	NOUN
fsr-3379	285	20	,	,	PUNCT
fsr-3379	285	21	and	and	CCONJ
fsr-3379	285	22	replacing	replace	VERB
fsr-3379	285	23	the	the	DET
fsr-3379	285	24	occupation	occupation	NOUN
fsr-3379	285	25	types	type	NOUN
fsr-3379	285	26	representing	represent	VERB
fsr-3379	285	27	lifetime	lifetime	NOUN
fsr-3379	285	28	earnings	earning	NOUN
fsr-3379	285	29	with	with	ADP
fsr-3379	285	30	current	current	ADJ
fsr-3379	285	31	income	income	NOUN
fsr-3379	285	32	.	.	PUNCT
fsr-3379	286	1	the	the	DET
fsr-3379	286	2	results	result	NOUN
fsr-3379	286	3	of	of	ADP
fsr-3379	286	4	these	these	DET
fsr-3379	286	5	additional	additional	ADJ
fsr-3379	286	6	analyses	analysis	NOUN
fsr-3379	286	7	are	be	AUX
fsr-3379	286	8	consistent	consistent	ADJ
fsr-3379	286	9	with	with	ADP
fsr-3379	286	10	our	our	PRON
fsr-3379	286	11	main	main	ADJ
fsr-3379	286	12	findings	finding	NOUN
fsr-3379	286	13	(	(	PUNCT
fsr-3379	286	14	the	the	DET
fsr-3379	286	15	results	result	NOUN
fsr-3379	286	16	are	be	AUX
fsr-3379	286	17	available	available	ADJ
fsr-3379	286	18	upon	upon	SCONJ
fsr-3379	286	19	request	request	NOUN
fsr-3379	286	20	)	)	PUNCT
fsr-3379	286	21	.	.	PUNCT
fsr-3379	287	1	6	6	X
fsr-3379	287	2	.	.	X
fsr-3379	287	3	discussion	discussion	NOUN
fsr-3379	287	4	the	the	DET
fsr-3379	287	5	extent	extent	NOUN
fsr-3379	287	6	to	to	PART
fsr-3379	287	7	which	which	DET
fsr-3379	287	8	age	age	NOUN
fsr-3379	287	9	when	when	SCONJ
fsr-3379	287	10	first	first	ADV
fsr-3379	287	11	employed	employ	VERB
fsr-3379	287	12	is	be	AUX
fsr-3379	287	13	related	relate	VERB
fsr-3379	287	14	to	to	ADP
fsr-3379	287	15	accumulated	accumulate	VERB
fsr-3379	287	16	retirement	retirement	NOUN
fsr-3379	287	17	wealth	wealth	NOUN
fsr-3379	287	18	in	in	ADP
fsr-3379	287	19	later	later	ADJ
fsr-3379	287	20	years	year	NOUN
fsr-3379	287	21	is	be	AUX
fsr-3379	287	22	examined	examine	VERB
fsr-3379	287	23	.	.	PUNCT
fsr-3379	288	1	using	use	VERB
fsr-3379	288	2	data	datum	NOUN
fsr-3379	288	3	from	from	ADP
fsr-3379	288	4	the	the	DET
fsr-3379	288	5	health	health	NOUN
fsr-3379	288	6	and	and	CCONJ
fsr-3379	288	7	retirement	retirement	NOUN
fsr-3379	288	8	study	study	NOUN
fsr-3379	288	9	,	,	PUNCT
fsr-3379	288	10	this	this	DET
fsr-3379	288	11	study	study	NOUN
fsr-3379	288	12	focuses	focus	VERB
fsr-3379	288	13	on	on	ADP
fsr-3379	288	14	baby	baby	NOUN
fsr-3379	288	15	boomers	boomer	NOUN
fsr-3379	288	16	who	who	PRON
fsr-3379	288	17	were	be	AUX
fsr-3379	288	18	first	first	ADV
fsr-3379	288	19	employed	employ	VERB
fsr-3379	288	20	at	at	ADP
fsr-3379	288	21	or	or	CCONJ
fsr-3379	288	22	after	after	ADP
fsr-3379	288	23	the	the	DET
fsr-3379	288	24	age	age	NOUN
fsr-3379	288	25	of	of	ADP
fsr-3379	288	26	18	18	NUM
fsr-3379	288	27	(	(	PUNCT
fsr-3379	288	28	high	high	ADJ
fsr-3379	288	29	school	school	NOUN
fsr-3379	288	30	graduates	graduate	NOUN
fsr-3379	288	31	)	)	PUNCT
fsr-3379	288	32	or	or	CCONJ
fsr-3379	288	33	22	22	NUM
fsr-3379	288	34	(	(	PUNCT
fsr-3379	288	35	college	college	NOUN
fsr-3379	288	36	or	or	CCONJ
fsr-3379	288	37	more	more	ADJ
fsr-3379	288	38	graduates	graduate	NOUN
fsr-3379	288	39	)	)	PUNCT
fsr-3379	288	40	.	.	PUNCT
fsr-3379	289	1	overall	overall	ADJ
fsr-3379	289	2	findings	finding	NOUN
fsr-3379	289	3	reflect	reflect	VERB
fsr-3379	289	4	that	that	SCONJ
fsr-3379	289	5	age	age	NOUN
fsr-3379	289	6	when	when	SCONJ
fsr-3379	289	7	first	first	ADV
fsr-3379	289	8	employed	employ	VERB
fsr-3379	289	9	has	have	VERB
fsr-3379	289	10	a	a	DET
fsr-3379	289	11	negative	negative	ADJ
fsr-3379	289	12	relationship	relationship	NOUN
fsr-3379	289	13	with	with	ADP
fsr-3379	289	14	accumulated	accumulate	VERB
fsr-3379	289	15	retirement	retirement	NOUN
fsr-3379	289	16	wealth	wealth	NOUN
fsr-3379	289	17	in	in	ADP
fsr-3379	289	18	later	later	ADJ
fsr-3379	289	19	years	year	NOUN
fsr-3379	289	20	.	.	PUNCT
fsr-3379	290	1	for	for	ADP
fsr-3379	290	2	college	college	NOUN
fsr-3379	290	3	or	or	CCONJ
fsr-3379	290	4	more	more	ADJ
fsr-3379	290	5	graduates	graduate	NOUN
fsr-3379	290	6	(	(	PUNCT
fsr-3379	290	7	high	high	ADJ
fsr-3379	290	8	school	school	NOUN
fsr-3379	290	9	graduates	graduate	NOUN
fsr-3379	290	10	)	)	PUNCT
fsr-3379	290	11	,	,	PUNCT
fsr-3379	290	12	delaying	delay	VERB
fsr-3379	290	13	employment	employment	NOUN
fsr-3379	290	14	cost	cost	VERB
fsr-3379	290	15	$	$	SYM
fsr-3379	290	16	35,103	35,103	NUM
fsr-3379	290	17	(	(	PUNCT
fsr-3379	290	18	$	$	SYM
fsr-3379	290	19	7,534	7,534	NUM
fsr-3379	290	20	)	)	PUNCT
fsr-3379	290	21	per	per	ADP
fsr-3379	290	22	year	year	NOUN
fsr-3379	290	23	in	in	ADP
fsr-3379	290	24	retirement	retirement	NOUN
fsr-3379	290	25	savings	saving	NOUN
fsr-3379	290	26	after	after	ADP
fsr-3379	290	27	controlling	control	VERB
fsr-3379	290	28	for	for	ADP
fsr-3379	290	29	demographic	demographic	ADJ
fsr-3379	290	30	characteristics	characteristic	NOUN
fsr-3379	290	31	,	,	PUNCT
fsr-3379	290	32	the	the	DET
fsr-3379	290	33	number	number	NOUN
fsr-3379	290	34	of	of	ADP
fsr-3379	290	35	working	working	ADJ
fsr-3379	290	36	years	year	NOUN
fsr-3379	290	37	,	,	PUNCT
fsr-3379	290	38	and	and	CCONJ
fsr-3379	290	39	occupation	occupation	NOUN
fsr-3379	290	40	types	type	NOUN
fsr-3379	290	41	.	.	PUNCT
fsr-3379	291	1	to	to	ADP
fsr-3379	291	2	the	the	DET
fsr-3379	291	3	extent	extent	NOUN
fsr-3379	291	4	of	of	ADP
fsr-3379	291	5	our	our	PRON
fsr-3379	291	6	knowledge	knowledge	NOUN
fsr-3379	291	7	,	,	PUNCT
fsr-3379	291	8	this	this	DET
fsr-3379	291	9	finding	finding	NOUN
fsr-3379	291	10	is	be	AUX
fsr-3379	291	11	new	new	ADJ
fsr-3379	291	12	and	and	CCONJ
fsr-3379	291	13	a	a	DET
fsr-3379	291	14	result	result	NOUN
fsr-3379	291	15	of	of	ADP
fsr-3379	291	16	the	the	DET
fsr-3379	291	17	first	first	ADJ
fsr-3379	291	18	empirical	empirical	ADJ
fsr-3379	291	19	study	study	NOUN
fsr-3379	291	20	to	to	PART
fsr-3379	291	21	examine	examine	VERB
fsr-3379	291	22	the	the	DET
fsr-3379	291	23	impact	impact	NOUN
fsr-3379	291	24	of	of	ADP
fsr-3379	291	25	age	age	NOUN
fsr-3379	291	26	when	when	SCONJ
fsr-3379	291	27	first	first	ADV
fsr-3379	291	28	employed	employ	VERB
fsr-3379	291	29	on	on	ADP
fsr-3379	291	30	retirement	retirement	NOUN
fsr-3379	291	31	savings	saving	NOUN
fsr-3379	291	32	in	in	ADP
fsr-3379	291	33	later	later	ADJ
fsr-3379	291	34	years	year	NOUN
fsr-3379	291	35	.	.	PUNCT
fsr-3379	292	1	previous	previous	ADJ
fsr-3379	292	2	studies	study	NOUN
fsr-3379	292	3	primarily	primarily	ADV
fsr-3379	292	4	considered	consider	VERB
fsr-3379	292	5	the	the	DET
fsr-3379	292	6	number	number	NOUN
fsr-3379	292	7	of	of	ADP
fsr-3379	292	8	years	year	NOUN
fsr-3379	292	9	worked	work	VERB
fsr-3379	292	10	but	but	CCONJ
fsr-3379	292	11	ignored	ignore	VERB
fsr-3379	292	12	age	age	NOUN
fsr-3379	292	13	when	when	SCONJ
fsr-3379	292	14	first	first	ADJ
fsr-3379	292	15	40	40	NUM
fsr-3379	292	16	h.	h.	PROPN
fsr-3379	292	17	kim	kim	PROPN
fsr-3379	292	18	et	et	PROPN
fsr-3379	292	19	al	al	PROPN
fsr-3379	292	20	.	.	PUNCT
fsr-3379	292	21	/	/	SYM
fsr-3379	292	22	financial	financial	ADJ
fsr-3379	292	23	services	service	NOUN
fsr-3379	292	24	review	review	VERB
fsr-3379	292	25	27	27	NUM
fsr-3379	292	26	(	(	PUNCT
fsr-3379	292	27	2018	2018	NUM
fsr-3379	292	28	)	)	PUNCT
fsr-3379	292	29	29	29	NUM
fsr-3379	292	30	-	-	SYM
fsr-3379	292	31	45	45	NUM
fsr-3379	292	32	t	t	PROPN
fsr-3379	292	33	ab	ab	X
fsr-3379	292	34	le	le	X
fsr-3379	292	35	3	3	NUM
fsr-3379	292	36	r	r	NOUN
fsr-3379	292	37	eg	eg	NOUN
fsr-3379	292	38	re	re	NOUN
fsr-3379	292	39	ss	ss	PROPN
fsr-3379	292	40	io	io	PROPN
fsr-3379	292	41	n	n	X
fsr-3379	292	42	re	re	PROPN
fsr-3379	292	43	su	su	PROPN
fsr-3379	292	44	lts	lts	PROPN
fsr-3379	292	45	w	w	PROPN
fsr-3379	292	46	ith	ith	PROPN
fsr-3379	292	47	al	al	PROPN
fsr-3379	292	48	te	te	PROPN
fsr-3379	292	49	rn	rn	PROPN
fsr-3379	292	50	at	at	ADP
fsr-3379	292	51	iv	iv	NUM
fsr-3379	292	52	e	e	NOUN
fsr-3379	292	53	sp	sp	ADP
fsr-3379	292	54	ec	ec	PROPN
fsr-3379	292	55	ifi	ifi	PROPN
fsr-3379	292	56	ca	can	AUX
fsr-3379	292	57	tio	tio	VERB
fsr-3379	292	58	ns	ns	INTJ
fsr-3379	292	59	(	(	PUNCT
fsr-3379	292	60	a	a	NOUN
fsr-3379	292	61	)	)	PUNCT
fsr-3379	292	62	h	h	NOUN
fsr-3379	293	1	ig	ig	PROPN
fsr-3379	293	2	h	h	PROPN
fsr-3379	293	3	sc	sc	NOUN
fsr-3379	293	4	ho	ho	PROPN
fsr-3379	293	5	ol	ol	PROPN
fsr-3379	293	6	(	(	PUNCT
fsr-3379	293	7	a	a	DET
fsr-3379	293	8	ge	ge	PROPN
fsr-3379	294	1	w	w	PROPN
fsr-3379	294	2	he	he	PRON
fsr-3379	294	3	n	n	PROPN
fsr-3379	294	4	fir	fir	PROPN
fsr-3379	294	5	st	st	PROPN
fsr-3379	294	6	em	em	PRON
fsr-3379	294	7	pl	pl	PROPN
fsr-3379	294	8	oy	oy	NOUN
fsr-3379	294	9	ed	ed	NOUN
fsr-3379	294	10	18	18	NUM
fsr-3379	294	11	to	to	PART
fsr-3379	294	12	35	35	NUM
fsr-3379	294	13	)	)	PUNCT
fsr-3379	294	14	u	u	PROPN
fsr-3379	294	15	nw	nw	X
fsr-3379	294	16	ei	ei	NOUN
fsr-3379	294	17	gh	gh	PROPN
fsr-3379	294	18	te	te	PROPN
fsr-3379	294	19	d	d	PROPN
fsr-3379	294	20	l	l	PROPN
fsr-3379	294	21	n	n	X
fsr-3379	294	22	(	(	PUNCT
fsr-3379	294	23	n	n	CCONJ
fsr-3379	294	24	et	et	NOUN
fsr-3379	294	25	w	w	NOUN
fsr-3379	294	26	or	or	CCONJ
fsr-3379	294	27	th	th	X
fsr-3379	294	28	)	)	PUNCT
fsr-3379	295	1	o	o	NOUN
fsr-3379	295	2	cc	cc	VERB
fsr-3379	295	3	up	up	ADV
fsr-3379	295	4	at	at	ADP
fsr-3379	295	5	io	io	PROPN
fsr-3379	295	6	n	n	ADP
fsr-3379	295	7	sa	sa	X
fsr-3379	295	8	la	la	X
fsr-3379	295	9	ry	ry	PROPN
fsr-3379	295	10	*	*	PUNCT
fsr-3379	295	11	fi	fi	PROPN
fsr-3379	295	12	na	na	PROPN
fsr-3379	295	13	nc	nc	PROPN
fsr-3379	295	14	ia	ia	PROPN
fsr-3379	295	15	l	l	PROPN
fsr-3379	295	16	w	w	PROPN
fsr-3379	295	17	ea	ea	PROPN
fsr-3379	295	18	lth	lth	PROPN
fsr-3379	295	19	b	b	PROPN
fsr-3379	295	20	(	(	PUNCT
fsr-3379	295	21	s	s	NOUN
fsr-3379	295	22	e	e	NOUN
fsr-3379	295	23	)	)	PUNCT
fsr-3379	295	24	p	p	PROPN
fsr-3379	295	25	b	b	PROPN
fsr-3379	295	26	(	(	PUNCT
fsr-3379	295	27	s	s	NOUN
fsr-3379	295	28	e	e	NOUN
fsr-3379	295	29	)	)	PUNCT
fsr-3379	296	1	p	p	PROPN
fsr-3379	296	2	b	b	PROPN
fsr-3379	296	3	(	(	PUNCT
fsr-3379	296	4	s	s	NOUN
fsr-3379	296	5	e	e	NOUN
fsr-3379	296	6	)	)	PUNCT
fsr-3379	296	7	p	p	PROPN
fsr-3379	296	8	b	b	PROPN
fsr-3379	296	9	(	(	PUNCT
fsr-3379	296	10	s	s	NOUN
fsr-3379	296	11	e	e	NOUN
fsr-3379	296	12	)	)	PUNCT
fsr-3379	296	13	p	p	X
fsr-3379	296	14	a	a	DET
fsr-3379	296	15	ge	ge	PROPN
fsr-3379	296	16	w	w	PROPN
fsr-3379	296	17	he	he	PRON
fsr-3379	296	18	n	n	PROPN
fsr-3379	296	19	fir	fir	PROPN
fsr-3379	296	20	st	st	PROPN
fsr-3379	297	1	em	em	PROPN
fsr-3379	297	2	pl	pl	PROPN
fsr-3379	297	3	oy	oy	PROPN
fsr-3379	297	4	ed	ed	PROPN
fsr-3379	297	5	�	�	PROPN
fsr-3379	297	6	4	4	NUM
fsr-3379	297	7	,	,	PUNCT
fsr-3379	297	8	59	59	NUM
fsr-3379	297	9	4	4	NUM
fsr-3379	297	10	(	(	PUNCT
fsr-3379	297	11	1	1	NUM
fsr-3379	297	12	,	,	PUNCT
fsr-3379	297	13	8	8	NUM
fsr-3379	297	14	81	81	NUM
fsr-3379	297	15	)	)	PUNCT
fsr-3379	297	16	.0	.0	NUM
fsr-3379	297	17	15	15	NUM
fsr-3379	297	18	�	�	PROPN
fsr-3379	297	19	.0	.0	NUM
fsr-3379	297	20	06	06	NUM
fsr-3379	297	21	(	(	PUNCT
fsr-3379	297	22	.	.	PUNCT
fsr-3379	297	23	00	00	NUM
fsr-3379	297	24	3	3	X
fsr-3379	297	25	)	)	PUNCT
fsr-3379	297	26	.0	.0	NUM
fsr-3379	297	27	20	20	NUM
fsr-3379	297	28	�	�	PROPN
fsr-3379	297	29	7	7	NUM
fsr-3379	297	30	,	,	PUNCT
fsr-3379	297	31	08	08	NUM
fsr-3379	297	32	8	8	NUM
fsr-3379	297	33	(	(	PUNCT
fsr-3379	297	34	2	2	NUM
fsr-3379	297	35	,	,	PUNCT
fsr-3379	297	36	5	5	NUM
fsr-3379	297	37	19	19	NUM
fsr-3379	297	38	)	)	PUNCT
fsr-3379	297	39	.0	.0	NUM
fsr-3379	297	40	05	05	NUM
fsr-3379	297	41	�	�	PROPN
fsr-3379	297	42	2	2	NUM
fsr-3379	297	43	,	,	PUNCT
fsr-3379	297	44	35	35	NUM
fsr-3379	297	45	8	8	NUM
fsr-3379	297	46	(	(	PUNCT
fsr-3379	297	47	7	7	NUM
fsr-3379	297	48	14	14	NUM
fsr-3379	297	49	)	)	PUNCT
fsr-3379	297	50	.0	.0	NUM
fsr-3379	297	51	01	01	NUM
fsr-3379	298	1	(	(	PUNCT
fsr-3379	298	2	d	d	VERB
fsr-3379	298	3	em	em	PRON
fsr-3379	298	4	og	og	INTJ
fsr-3379	298	5	ra	ra	PROPN
fsr-3379	298	6	ph	ph	PROPN
fsr-3379	298	7	ic	ic	PROPN
fsr-3379	298	8	s	s	PROPN
fsr-3379	298	9	in	in	ADP
fsr-3379	298	10	cl	cl	NOUN
fsr-3379	298	11	ud	ud	INTJ
fsr-3379	298	12	ed	ed	NOUN
fsr-3379	298	13	)	)	PUNCT
fsr-3379	299	1	y	y	PROPN
fsr-3379	299	2	es	es	VERB
fsr-3379	299	3	y	y	PROPN
fsr-3379	299	4	es	es	VERB
fsr-3379	299	5	y	y	PROPN
fsr-3379	299	6	es	es	X
fsr-3379	299	7	y	y	PROPN
fsr-3379	299	8	es	es	X
fsr-3379	299	9	(	(	PUNCT
fsr-3379	299	10	o	o	NOUN
fsr-3379	299	11	cc	cc	X
fsr-3379	299	12	up	up	ADP
fsr-3379	299	13	at	at	ADP
fsr-3379	299	14	io	io	PROPN
fsr-3379	299	15	n	n	ADV
fsr-3379	299	16	ty	ty	INTJ
fsr-3379	300	1	pe	pe	INTJ
fsr-3379	300	2	s	s	VERB
fsr-3379	300	3	in	in	ADP
fsr-3379	300	4	cl	cl	NOUN
fsr-3379	300	5	ud	ud	INTJ
fsr-3379	300	6	ed	ed	NOUN
fsr-3379	300	7	)	)	PUNCT
fsr-3379	301	1	y	y	PROPN
fsr-3379	301	2	es	es	VERB
fsr-3379	301	3	y	y	PROPN
fsr-3379	301	4	es	es	NOUN
fsr-3379	301	5	n	n	INTJ
fsr-3379	301	6	o	o	X
fsr-3379	301	7	y	y	NOUN
fsr-3379	301	8	es	es	NOUN
fsr-3379	301	9	in	in	ADP
fsr-3379	301	10	te	te	PROPN
fsr-3379	301	11	rc	rc	PROPN
fsr-3379	301	12	ep	ep	PROPN
fsr-3379	301	13	t	t	PROPN
fsr-3379	301	14	11	11	NUM
fsr-3379	301	15	9	9	NUM
fsr-3379	301	16	,	,	PUNCT
fsr-3379	301	17	82	82	NUM
fsr-3379	301	18	0	0	SYM
fsr-3379	301	19	(	(	PUNCT
fsr-3379	301	20	1	1	NUM
fsr-3379	301	21	29	29	NUM
fsr-3379	301	22	,	,	PUNCT
fsr-3379	301	23	3	3	NUM
fsr-3379	301	24	40	40	NUM
fsr-3379	301	25	)	)	PUNCT
fsr-3379	301	26	.3	.3	NUM
fsr-3379	301	27	54	54	NUM
fsr-3379	301	28	13	13	NUM
fsr-3379	301	29	.2	.2	NUM
fsr-3379	301	30	07	07	NUM
fsr-3379	302	1	(	(	PUNCT
fsr-3379	302	2	.	.	PUNCT
fsr-3379	303	1	16	16	NUM
fsr-3379	303	2	7	7	NUM
fsr-3379	303	3	)	)	PUNCT
fsr-3379	303	4	.0	.0	NUM
fsr-3379	303	5	00	00	NUM
fsr-3379	304	1	93	93	NUM
fsr-3379	304	2	,	,	PUNCT
fsr-3379	304	3	7	7	NUM
fsr-3379	304	4	39	39	NUM
fsr-3379	304	5	(	(	PUNCT
fsr-3379	304	6	1	1	NUM
fsr-3379	304	7	47	47	NUM
fsr-3379	304	8	,	,	PUNCT
fsr-3379	304	9	6	6	NUM
fsr-3379	304	10	45	45	NUM
fsr-3379	304	11	)	)	PUNCT
fsr-3379	304	12	.5	.5	NUM
fsr-3379	305	1	26	26	NUM
fsr-3379	305	2	12	12	NUM
fsr-3379	305	3	,	,	PUNCT
fsr-3379	305	4	5	5	NUM
fsr-3379	305	5	04	04	NUM
fsr-3379	305	6	(	(	PUNCT
fsr-3379	305	7	4	4	NUM
fsr-3379	305	8	1	1	NUM
fsr-3379	305	9	,	,	PUNCT
fsr-3379	305	10	97	97	NUM
fsr-3379	305	11	4	4	NUM
fsr-3379	305	12	)	)	PUNCT
fsr-3379	305	13	.7	.7	NUM
fsr-3379	305	14	66	66	NUM
fsr-3379	305	15	a	a	DET
fsr-3379	305	16	dj	dj	NOUN
fsr-3379	305	17	us	we	PRON
fsr-3379	306	1	te	te	PROPN
fsr-3379	306	2	d	d	NOUN
fsr-3379	306	3	r	r	NOUN
fsr-3379	306	4	2	2	NUM
fsr-3379	306	5	.1	.1	NUM
fsr-3379	306	6	74	74	NUM
fsr-3379	306	7	.2	.2	NUM
fsr-3379	306	8	08	08	NUM
fsr-3379	307	1	.1	.1	NUM
fsr-3379	307	2	44	44	NUM
fsr-3379	307	3	.0	.0	NUM
fsr-3379	307	4	81	81	NUM
fsr-3379	307	5	(	(	PUNCT
fsr-3379	307	6	b	b	NOUN
fsr-3379	307	7	)	)	PUNCT
fsr-3379	307	8	c	c	PROPN
fsr-3379	307	9	ol	ol	PROPN
fsr-3379	307	10	le	le	PROPN
fsr-3379	307	11	ge	ge	PROPN
fsr-3379	307	12	�	�	PROPN
fsr-3379	307	13	(	(	PUNCT
fsr-3379	307	14	a	a	DET
fsr-3379	307	15	ge	ge	PROPN
fsr-3379	307	16	w	w	PROPN
fsr-3379	307	17	he	he	PRON
fsr-3379	307	18	n	n	PROPN
fsr-3379	307	19	fir	fir	PROPN
fsr-3379	307	20	st	st	PROPN
fsr-3379	308	1	em	em	PRON
fsr-3379	308	2	pl	pl	X
fsr-3379	308	3	oy	oy	NOUN
fsr-3379	308	4	ed	ed	NOUN
fsr-3379	308	5	22	22	NUM
fsr-3379	308	6	to	to	PART
fsr-3379	308	7	35	35	NUM
fsr-3379	308	8	)	)	PUNCT
fsr-3379	308	9	u	u	PROPN
fsr-3379	308	10	nw	nw	X
fsr-3379	308	11	ei	ei	NOUN
fsr-3379	308	12	gh	gh	PROPN
fsr-3379	308	13	te	te	PROPN
fsr-3379	308	14	d	d	PROPN
fsr-3379	308	15	l	l	PROPN
fsr-3379	308	16	n	n	X
fsr-3379	308	17	(	(	PUNCT
fsr-3379	308	18	n	n	CCONJ
fsr-3379	308	19	et	et	NOUN
fsr-3379	308	20	w	w	NOUN
fsr-3379	308	21	or	or	CCONJ
fsr-3379	308	22	th	th	X
fsr-3379	308	23	)	)	PUNCT
fsr-3379	308	24	o	o	NOUN
fsr-3379	308	25	cc	cc	VERB
fsr-3379	308	26	up	up	ADV
fsr-3379	308	27	at	at	ADP
fsr-3379	308	28	io	io	PROPN
fsr-3379	308	29	n	n	ADP
fsr-3379	308	30	sa	sa	X
fsr-3379	308	31	la	la	X
fsr-3379	308	32	ry	ry	PROPN
fsr-3379	308	33	*	*	PUNCT
fsr-3379	308	34	fi	fi	PROPN
fsr-3379	308	35	na	na	PROPN
fsr-3379	308	36	nc	nc	PROPN
fsr-3379	308	37	ia	ia	PROPN
fsr-3379	308	38	l	l	PROPN
fsr-3379	308	39	w	w	PROPN
fsr-3379	308	40	ea	ea	PROPN
fsr-3379	308	41	lth	lth	PROPN
fsr-3379	308	42	b	b	PROPN
fsr-3379	308	43	(	(	PUNCT
fsr-3379	308	44	s	s	NOUN
fsr-3379	308	45	e	e	NOUN
fsr-3379	308	46	)	)	PUNCT
fsr-3379	308	47	p	p	PROPN
fsr-3379	308	48	b	b	PROPN
fsr-3379	308	49	(	(	PUNCT
fsr-3379	308	50	s	s	NOUN
fsr-3379	308	51	e	e	NOUN
fsr-3379	308	52	)	)	PUNCT
fsr-3379	309	1	p	p	PROPN
fsr-3379	309	2	b	b	PROPN
fsr-3379	309	3	(	(	PUNCT
fsr-3379	309	4	s	s	NOUN
fsr-3379	309	5	e	e	NOUN
fsr-3379	309	6	)	)	PUNCT
fsr-3379	309	7	p	p	PROPN
fsr-3379	309	8	b	b	PROPN
fsr-3379	309	9	(	(	PUNCT
fsr-3379	309	10	s	s	NOUN
fsr-3379	309	11	e	e	NOUN
fsr-3379	309	12	)	)	PUNCT
fsr-3379	309	13	p	p	X
fsr-3379	309	14	a	a	DET
fsr-3379	309	15	ge	ge	PROPN
fsr-3379	309	16	w	w	PROPN
fsr-3379	309	17	he	he	PRON
fsr-3379	309	18	n	n	PROPN
fsr-3379	309	19	fir	fir	PROPN
fsr-3379	309	20	st	st	PROPN
fsr-3379	310	1	em	em	PROPN
fsr-3379	310	2	pl	pl	PROPN
fsr-3379	310	3	oy	oy	PROPN
fsr-3379	310	4	ed	ed	PROPN
fsr-3379	310	5	�	�	PROPN
fsr-3379	310	6	23	23	NUM
fsr-3379	310	7	,	,	PUNCT
fsr-3379	310	8	9	9	NUM
fsr-3379	310	9	32	32	NUM
fsr-3379	310	10	(	(	PUNCT
fsr-3379	310	11	1	1	NUM
fsr-3379	310	12	2	2	NUM
fsr-3379	310	13	,	,	PUNCT
fsr-3379	310	14	13	13	NUM
fsr-3379	310	15	7	7	NUM
fsr-3379	310	16	)	)	PUNCT
fsr-3379	310	17	.0	.0	NUM
fsr-3379	310	18	49	49	NUM
fsr-3379	310	19	�	�	NOUN
fsr-3379	310	20	.0	.0	NUM
fsr-3379	310	21	29	29	NUM
fsr-3379	310	22	(	(	PUNCT
fsr-3379	310	23	.	.	PUNCT
fsr-3379	310	24	01	01	NUM
fsr-3379	310	25	1	1	NUM
fsr-3379	310	26	)	)	PUNCT
fsr-3379	310	27	.0	.0	NUM
fsr-3379	310	28	12	12	NUM
fsr-3379	310	29	�	�	PROPN
fsr-3379	310	30	37	37	NUM
fsr-3379	310	31	,	,	PUNCT
fsr-3379	310	32	7	7	NUM
fsr-3379	310	33	22	22	NUM
fsr-3379	310	34	(	(	PUNCT
fsr-3379	310	35	1	1	NUM
fsr-3379	310	36	6	6	NUM
fsr-3379	310	37	,	,	PUNCT
fsr-3379	310	38	33	33	NUM
fsr-3379	310	39	6	6	NUM
fsr-3379	310	40	)	)	PUNCT
fsr-3379	310	41	.0	.0	NUM
fsr-3379	310	42	21	21	NUM
fsr-3379	310	43	�	�	PROPN
fsr-3379	310	44	16	16	NUM
fsr-3379	310	45	,	,	PUNCT
fsr-3379	310	46	2	2	NUM
fsr-3379	310	47	36	36	NUM
fsr-3379	310	48	(	(	PUNCT
fsr-3379	310	49	7	7	NUM
fsr-3379	310	50	,	,	PUNCT
fsr-3379	310	51	9	9	NUM
fsr-3379	310	52	27	27	NUM
fsr-3379	310	53	)	)	PUNCT
fsr-3379	310	54	.0	.0	NUM
fsr-3379	310	55	41	41	NUM
fsr-3379	311	1	(	(	PUNCT
fsr-3379	311	2	d	d	VERB
fsr-3379	311	3	em	em	PRON
fsr-3379	311	4	og	og	INTJ
fsr-3379	311	5	ra	ra	PROPN
fsr-3379	311	6	ph	ph	PROPN
fsr-3379	311	7	ic	ic	PROPN
fsr-3379	311	8	s	s	PROPN
fsr-3379	311	9	in	in	ADP
fsr-3379	311	10	cl	cl	NOUN
fsr-3379	311	11	ud	ud	INTJ
fsr-3379	311	12	ed	ed	NOUN
fsr-3379	311	13	)	)	PUNCT
fsr-3379	312	1	y	y	PROPN
fsr-3379	312	2	es	es	VERB
fsr-3379	312	3	y	y	PROPN
fsr-3379	312	4	es	es	VERB
fsr-3379	312	5	y	y	PROPN
fsr-3379	312	6	es	es	X
fsr-3379	312	7	y	y	PROPN
fsr-3379	312	8	es	es	X
fsr-3379	312	9	(	(	PUNCT
fsr-3379	312	10	o	o	NOUN
fsr-3379	312	11	cc	cc	X
fsr-3379	312	12	up	up	ADP
fsr-3379	312	13	at	at	ADP
fsr-3379	312	14	io	io	PROPN
fsr-3379	312	15	n	n	ADV
fsr-3379	312	16	ty	ty	INTJ
fsr-3379	313	1	pe	pe	INTJ
fsr-3379	313	2	s	s	VERB
fsr-3379	313	3	in	in	ADP
fsr-3379	313	4	cl	cl	NOUN
fsr-3379	313	5	ud	ud	INTJ
fsr-3379	313	6	ed	ed	NOUN
fsr-3379	313	7	)	)	PUNCT
fsr-3379	314	1	y	y	PROPN
fsr-3379	314	2	es	es	VERB
fsr-3379	314	3	y	y	PROPN
fsr-3379	314	4	es	es	NOUN
fsr-3379	314	5	n	n	INTJ
fsr-3379	314	6	o	o	X
fsr-3379	314	7	y	y	NOUN
fsr-3379	314	8	es	es	NOUN
fsr-3379	314	9	in	in	ADP
fsr-3379	314	10	te	te	PROPN
fsr-3379	314	11	rc	rc	PROPN
fsr-3379	314	12	ep	ep	PROPN
fsr-3379	314	13	t	t	PROPN
fsr-3379	314	14	1	1	NUM
fsr-3379	314	15	,	,	PUNCT
fsr-3379	314	16	19	19	NUM
fsr-3379	314	17	8	8	NUM
fsr-3379	314	18	,	,	PUNCT
fsr-3379	314	19	42	42	NUM
fsr-3379	314	20	9	9	NUM
fsr-3379	314	21	(	(	PUNCT
fsr-3379	314	22	6	6	NUM
fsr-3379	314	23	12	12	NUM
fsr-3379	314	24	,	,	PUNCT
fsr-3379	314	25	2	2	NUM
fsr-3379	314	26	45	45	NUM
fsr-3379	314	27	)	)	PUNCT
fsr-3379	314	28	.0	.0	NUM
fsr-3379	315	1	51	51	NUM
fsr-3379	315	2	14	14	NUM
fsr-3379	315	3	.4	.4	NUM
fsr-3379	315	4	30	30	NUM
fsr-3379	315	5	(	(	PUNCT
fsr-3379	315	6	.	.	PUNCT
fsr-3379	316	1	51	51	NUM
fsr-3379	316	2	1	1	NUM
fsr-3379	316	3	)	)	PUNCT
fsr-3379	316	4	.0	.0	NUM
fsr-3379	316	5	00	00	NUM
fsr-3379	316	6	1	1	NUM
fsr-3379	316	7	,	,	PUNCT
fsr-3379	316	8	86	86	NUM
fsr-3379	316	9	6	6	NUM
fsr-3379	316	10	,	,	PUNCT
fsr-3379	316	11	60	60	NUM
fsr-3379	316	12	6	6	NUM
fsr-3379	316	13	(	(	PUNCT
fsr-3379	316	14	7	7	NUM
fsr-3379	316	15	29	29	NUM
fsr-3379	316	16	,	,	PUNCT
fsr-3379	316	17	1	1	NUM
fsr-3379	316	18	44	44	NUM
fsr-3379	316	19	)	)	PUNCT
fsr-3379	316	20	.0	.0	NUM
fsr-3379	316	21	11	11	NUM
fsr-3379	316	22	63	63	NUM
fsr-3379	316	23	4	4	NUM
fsr-3379	316	24	,	,	PUNCT
fsr-3379	316	25	29	29	NUM
fsr-3379	316	26	0	0	NUM
fsr-3379	316	27	(	(	PUNCT
fsr-3379	316	28	3	3	NUM
fsr-3379	316	29	54	54	NUM
fsr-3379	316	30	,	,	PUNCT
fsr-3379	316	31	0	0	NUM
fsr-3379	316	32	80	80	NUM
fsr-3379	316	33	)	)	PUNCT
fsr-3379	316	34	.0	.0	NUM
fsr-3379	317	1	74	74	NUM
fsr-3379	317	2	a	a	DET
fsr-3379	317	3	dj	dj	NOUN
fsr-3379	317	4	us	we	PRON
fsr-3379	318	1	te	te	PROPN
fsr-3379	318	2	d	d	NOUN
fsr-3379	318	3	r	r	NOUN
fsr-3379	318	4	2	2	NUM
fsr-3379	318	5	.1	.1	NUM
fsr-3379	318	6	63	63	NUM
fsr-3379	318	7	.2	.2	NUM
fsr-3379	318	8	44	44	NUM
fsr-3379	318	9	.1	.1	NUM
fsr-3379	318	10	56	56	NUM
fsr-3379	318	11	.0	.0	NUM
fsr-3379	319	1	65	65	NUM
fsr-3379	319	2	*	*	PUNCT
fsr-3379	319	3	r	r	NOUN
fsr-3379	319	4	eg	eg	NOUN
fsr-3379	319	5	re	re	NOUN
fsr-3379	319	6	ss	ss	PROPN
fsr-3379	319	7	io	io	PROPN
fsr-3379	319	8	n	n	PROPN
fsr-3379	319	9	re	re	PROPN
fsr-3379	319	10	su	su	PROPN
fsr-3379	319	11	lt	lt	PROPN
fsr-3379	319	12	w	w	PROPN
fsr-3379	319	13	he	he	PRON
fsr-3379	319	14	n	n	INTJ
fsr-3379	319	15	oc	oc	VERB
fsr-3379	319	16	cu	cu	PROPN
fsr-3379	319	17	pa	pa	PROPN
fsr-3379	319	18	tio	tio	PROPN
fsr-3379	319	19	n	n	ADV
fsr-3379	319	20	w	w	PROPN
fsr-3379	319	21	as	as	ADP
fsr-3379	319	22	co	co	NOUN
fsr-3379	319	23	nt	not	PART
fsr-3379	319	24	ro	ro	VERB
fsr-3379	319	25	lle	lle	PROPN
fsr-3379	319	26	d	d	PROPN
fsr-3379	319	27	by	by	ADP
fsr-3379	319	28	av	av	PROPN
fsr-3379	319	29	er	er	INTJ
fsr-3379	319	30	ag	ag	PROPN
fsr-3379	319	31	e	e	PROPN
fsr-3379	319	32	sa	sa	PROPN
fsr-3379	319	33	la	la	PROPN
fsr-3379	319	34	ry	ry	PROPN
fsr-3379	319	35	le	le	X
fsr-3379	319	36	ve	ve	AUX
fsr-3379	319	37	l.	l.	PROPN
fsr-3379	319	38	o	o	PROPN
fsr-3379	319	39	cc	cc	X
fsr-3379	319	40	up	up	ADV
fsr-3379	319	41	at	at	ADP
fsr-3379	319	42	io	io	PROPN
fsr-3379	319	43	n	n	ADP
fsr-3379	319	44	sa	sa	PROPN
fsr-3379	319	45	la	la	X
fsr-3379	319	46	ry	ry	PROPN
fsr-3379	319	47	le	le	X
fsr-3379	319	48	ve	ve	PROPN
fsr-3379	319	49	l	l	NOUN
fsr-3379	319	50	w	w	NOUN
fsr-3379	319	51	as	as	ADP
fsr-3379	319	52	cl	cl	NOUN
fsr-3379	319	53	as	as	SCONJ
fsr-3379	319	54	si	si	X
fsr-3379	319	55	fie	fie	NOUN
fsr-3379	319	56	d	d	X
fsr-3379	319	57	th	th	X
fsr-3379	319	58	e	e	X
fsr-3379	319	59	23	23	NUM
fsr-3379	319	60	ca	can	AUX
fsr-3379	319	61	te	te	PART
fsr-3379	319	62	go	go	VERB
fsr-3379	319	63	ri	ri	NOUN
fsr-3379	319	64	es	es	NOUN
fsr-3379	319	65	in	in	ADP
fsr-3379	319	66	to	to	ADP
fsr-3379	319	67	fo	fo	INTJ
fsr-3379	319	68	ur	ur	INTJ
fsr-3379	319	69	gr	gr	INTJ
fsr-3379	319	70	ou	ou	INTJ
fsr-3379	319	71	ps	ps	PROPN
fsr-3379	319	72	(	(	PUNCT
fsr-3379	319	73	q	q	PROPN
fsr-3379	320	1	ua	ua	INTJ
fsr-3379	321	1	rt	rt	INTJ
fsr-3379	322	1	er	er	INTJ
fsr-3379	322	2	ly	ly	X
fsr-3379	322	3	)	)	PUNCT
fsr-3379	322	4	ba	ba	PROPN
fsr-3379	322	5	se	se	PROPN
fsr-3379	323	1	d	d	PROPN
fsr-3379	323	2	on	on	ADP
fsr-3379	323	3	th	th	INTJ
fsr-3379	323	4	ei	ei	ADP
fsr-3379	323	5	r	r	NOUN
fsr-3379	323	6	m	m	PROPN
fsr-3379	323	7	ed	ed	PROPN
fsr-3379	323	8	ia	ia	PROPN
fsr-3379	323	9	n	n	PROPN
fsr-3379	323	10	an	an	DET
fsr-3379	323	11	nu	nu	PROPN
fsr-3379	323	12	al	al	PROPN
fsr-3379	323	13	sa	sa	PROPN
fsr-3379	323	14	la	la	PROPN
fsr-3379	323	15	ry	ry	PROPN
fsr-3379	323	16	at	at	ADP
fsr-3379	323	17	20	20	NUM
fsr-3379	323	18	14	14	NUM
fsr-3379	323	19	(	(	PUNCT
fsr-3379	323	20	h	h	NOUN
fsr-3379	323	21	ttp	ttp	PROPN
fsr-3379	323	22	:	:	PUNCT
fsr-3379	324	1	//	//	PUNCT
fsr-3379	324	2	w	w	PROPN
fsr-3379	324	3	w	w	PROPN
fsr-3379	324	4	w	w	PROPN
fsr-3379	324	5	.b	.b	PROPN
fsr-3379	325	1	ls	ls	INTJ
fsr-3379	325	2	.g	.g	NOUN
fsr-3379	325	3	ov	ov	INTJ
fsr-3379	325	4	/o	/o	PUNCT
fsr-3379	325	5	es	es	NOUN
fsr-3379	325	6	/2	/2	NUM
fsr-3379	326	1	01	01	NUM
fsr-3379	327	1	4/	4/	NUM
fsr-3379	327	2	m	m	VERB
fsr-3379	327	3	ay	ay	NOUN
fsr-3379	327	4	/o	/o	PUNCT
fsr-3379	327	5	es	es	ADP
fsr-3379	327	6	_	_	PROPN
fsr-3379	327	7	n	n	PRON
fsr-3379	327	8	at	at	ADP
fsr-3379	327	9	.h	.h	PROPN
fsr-3379	327	10	tm	tm	PROPN
fsr-3379	327	11	)	)	PUNCT
fsr-3379	327	12	.	.	PUNCT
fsr-3379	328	1	41h	41h	PROPN
fsr-3379	328	2	.	.	PUNCT
fsr-3379	329	1	kim	kim	PROPN
fsr-3379	329	2	et	et	PROPN
fsr-3379	329	3	al	al	PROPN
fsr-3379	329	4	.	.	PUNCT
fsr-3379	329	5	/	/	SYM
fsr-3379	329	6	financial	financial	ADJ
fsr-3379	329	7	services	service	NOUN
fsr-3379	329	8	review	review	VERB
fsr-3379	329	9	27	27	NUM
fsr-3379	329	10	(	(	PUNCT
fsr-3379	329	11	2018	2018	NUM
fsr-3379	329	12	)	)	PUNCT
fsr-3379	329	13	29	29	NUM
fsr-3379	329	14	-	-	SYM
fsr-3379	329	15	45	45	NUM
fsr-3379	329	16	employed	employ	VERB
fsr-3379	329	17	in	in	ADP
fsr-3379	329	18	calculating	calculate	VERB
fsr-3379	329	19	lifetime	lifetime	NOUN
fsr-3379	329	20	earnings	earning	NOUN
fsr-3379	329	21	and	and	CCONJ
fsr-3379	329	22	estimating	estimate	VERB
fsr-3379	329	23	related	related	ADJ
fsr-3379	329	24	retirement	retirement	NOUN
fsr-3379	329	25	savings	saving	NOUN
fsr-3379	329	26	(	(	PUNCT
fsr-3379	329	27	dornbusch	dornbusch	NOUN
fsr-3379	329	28	and	and	CCONJ
fsr-3379	329	29	fischer	fischer	PROPN
fsr-3379	329	30	,	,	PUNCT
fsr-3379	329	31	1994	1994	NUM
fsr-3379	329	32	;	;	PUNCT
fsr-3379	329	33	modigliani	modigliani	PROPN
fsr-3379	329	34	and	and	CCONJ
fsr-3379	329	35	brumberg	brumberg	PROPN
fsr-3379	329	36	,	,	PUNCT
fsr-3379	329	37	1954	1954	NUM
fsr-3379	329	38	;	;	PUNCT
fsr-3379	329	39	munnell	munnell	PROPN
fsr-3379	329	40	et	et	PROPN
fsr-3379	329	41	al	al	PROPN
fsr-3379	329	42	.	.	PROPN
fsr-3379	329	43	,	,	PUNCT
fsr-3379	329	44	2014	2014	NUM
fsr-3379	329	45	)	)	PUNCT
fsr-3379	329	46	.	.	PUNCT
fsr-3379	330	1	this	this	DET
fsr-3379	330	2	study	study	NOUN
fsr-3379	330	3	takes	take	VERB
fsr-3379	330	4	into	into	ADP
fsr-3379	330	5	account	account	NOUN
fsr-3379	330	6	age	age	NOUN
fsr-3379	330	7	when	when	SCONJ
fsr-3379	330	8	first	first	ADV
fsr-3379	330	9	employed	employ	VERB
fsr-3379	330	10	as	as	ADV
fsr-3379	330	11	well	well	ADV
fsr-3379	330	12	as	as	ADP
fsr-3379	330	13	the	the	DET
fsr-3379	330	14	number	number	NOUN
fsr-3379	330	15	of	of	ADP
fsr-3379	330	16	years	year	NOUN
fsr-3379	330	17	worked	work	VERB
fsr-3379	330	18	to	to	PART
fsr-3379	330	19	estimate	estimate	VERB
fsr-3379	330	20	retirement	retirement	NOUN
fsr-3379	330	21	savings	saving	NOUN
fsr-3379	330	22	in	in	ADP
fsr-3379	330	23	later	later	ADJ
fsr-3379	330	24	years	year	NOUN
fsr-3379	330	25	.	.	PUNCT
fsr-3379	331	1	starting	start	VERB
fsr-3379	331	2	employment	employment	NOUN
fsr-3379	331	3	as	as	ADP
fsr-3379	331	4	a	a	DET
fsr-3379	331	5	young	young	ADJ
fsr-3379	331	6	adult	adult	NOUN
fsr-3379	331	7	is	be	AUX
fsr-3379	331	8	important	important	ADJ
fsr-3379	331	9	for	for	ADP
fsr-3379	331	10	retirement	retirement	NOUN
fsr-3379	331	11	savings	saving	NOUN
fsr-3379	331	12	because	because	SCONJ
fsr-3379	331	13	it	it	PRON
fsr-3379	331	14	provides	provide	VERB
fsr-3379	331	15	resources	resource	NOUN
fsr-3379	331	16	that	that	PRON
fsr-3379	331	17	can	can	AUX
fsr-3379	331	18	be	be	AUX
fsr-3379	331	19	saved	save	VERB
fsr-3379	331	20	for	for	ADP
fsr-3379	331	21	retirement	retirement	NOUN
fsr-3379	331	22	thereby	thereby	ADV
fsr-3379	331	23	providing	provide	VERB
fsr-3379	331	24	the	the	DET
fsr-3379	331	25	benefits	benefit	NOUN
fsr-3379	331	26	of	of	ADP
fsr-3379	331	27	compound	compound	NOUN
fsr-3379	331	28	return	return	NOUN
fsr-3379	331	29	from	from	ADP
fsr-3379	331	30	savings	saving	NOUN
fsr-3379	331	31	in	in	ADP
fsr-3379	331	32	early	early	ADJ
fsr-3379	331	33	years	year	NOUN
fsr-3379	331	34	.	.	PUNCT
fsr-3379	332	1	in	in	ADP
fsr-3379	332	2	particular	particular	ADJ
fsr-3379	332	3	,	,	PUNCT
fsr-3379	332	4	the	the	DET
fsr-3379	332	5	benefit	benefit	NOUN
fsr-3379	332	6	of	of	ADP
fsr-3379	332	7	compound	compound	NOUN
fsr-3379	332	8	return	return	NOUN
fsr-3379	332	9	is	be	AUX
fsr-3379	332	10	more	more	ADV
fsr-3379	332	11	important	important	ADJ
fsr-3379	332	12	.	.	PUNCT
fsr-3379	333	1	in	in	ADP
fsr-3379	333	2	fact	fact	NOUN
fsr-3379	333	3	,	,	PUNCT
fsr-3379	333	4	our	our	PRON
fsr-3379	333	5	results	result	NOUN
fsr-3379	333	6	imply	imply	VERB
fsr-3379	333	7	the	the	DET
fsr-3379	333	8	importance	importance	NOUN
fsr-3379	333	9	of	of	ADP
fsr-3379	333	10	compound	compound	NOUN
fsr-3379	333	11	return	return	NOUN
fsr-3379	333	12	for	for	ADP
fsr-3379	333	13	starting	start	VERB
fsr-3379	333	14	early	early	ADV
fsr-3379	333	15	.	.	PUNCT
fsr-3379	334	1	one	one	NUM
fsr-3379	334	2	year	year	NOUN
fsr-3379	334	3	delay	delay	NOUN
fsr-3379	334	4	of	of	ADP
fsr-3379	334	5	starting	start	VERB
fsr-3379	334	6	work	work	NOUN
fsr-3379	334	7	in	in	ADP
fsr-3379	334	8	their	their	PRON
fsr-3379	334	9	younger	young	ADJ
fsr-3379	334	10	years	year	NOUN
fsr-3379	334	11	cost	cost	NOUN
fsr-3379	334	12	college	college	NOUN
fsr-3379	334	13	graduates	graduate	VERB
fsr-3379	334	14	$	$	SYM
fsr-3379	334	15	35,103	35,103	NUM
fsr-3379	334	16	per	per	ADP
fsr-3379	334	17	year	year	NOUN
fsr-3379	334	18	(	(	PUNCT
fsr-3379	334	19	$	$	SYM
fsr-3379	334	20	7,534	7,534	NUM
fsr-3379	334	21	for	for	ADP
fsr-3379	334	22	high	high	ADJ
fsr-3379	334	23	school	school	NOUN
fsr-3379	334	24	graduates	graduate	NOUN
fsr-3379	334	25	)	)	PUNCT
fsr-3379	334	26	in	in	ADP
fsr-3379	334	27	retirement	retirement	NOUN
fsr-3379	334	28	savings	saving	NOUN
fsr-3379	334	29	while	while	SCONJ
fsr-3379	334	30	one	one	NUM
fsr-3379	334	31	additional	additional	ADJ
fsr-3379	334	32	year	year	NOUN
fsr-3379	334	33	of	of	ADP
fsr-3379	334	34	work	work	NOUN
fsr-3379	334	35	only	only	ADV
fsr-3379	334	36	adds	add	VERB
fsr-3379	334	37	$	$	SYM
fsr-3379	334	38	8,158	8,158	NUM
fsr-3379	334	39	(	(	PUNCT
fsr-3379	334	40	$	$	SYM
fsr-3379	334	41	3,600	3,600	NUM
fsr-3379	334	42	for	for	ADP
fsr-3379	334	43	high	high	ADJ
fsr-3379	334	44	school	school	NOUN
fsr-3379	334	45	graduates	graduate	NOUN
fsr-3379	334	46	)	)	PUNCT
fsr-3379	334	47	to	to	ADP
fsr-3379	334	48	retirement	retirement	NOUN
fsr-3379	334	49	savings	saving	NOUN
fsr-3379	334	50	.	.	PUNCT
fsr-3379	335	1	the	the	DET
fsr-3379	335	2	findings	finding	NOUN
fsr-3379	335	3	provide	provide	VERB
fsr-3379	335	4	several	several	ADJ
fsr-3379	335	5	implications	implication	NOUN
fsr-3379	335	6	for	for	ADP
fsr-3379	335	7	policy	policy	NOUN
fsr-3379	335	8	,	,	PUNCT
fsr-3379	335	9	education	education	NOUN
fsr-3379	335	10	,	,	PUNCT
fsr-3379	335	11	and	and	CCONJ
fsr-3379	335	12	research	research	NOUN
fsr-3379	335	13	about	about	ADP
fsr-3379	335	14	retirement	retirement	NOUN
fsr-3379	335	15	savings	saving	NOUN
fsr-3379	335	16	.	.	PUNCT
fsr-3379	336	1	starting	start	VERB
fsr-3379	336	2	employment	employment	NOUN
fsr-3379	336	3	as	as	ADP
fsr-3379	336	4	a	a	DET
fsr-3379	336	5	young	young	ADJ
fsr-3379	336	6	adult	adult	NOUN
fsr-3379	336	7	can	can	AUX
fsr-3379	336	8	be	be	AUX
fsr-3379	336	9	channeled	channel	VERB
fsr-3379	336	10	into	into	ADP
fsr-3379	336	11	starting	start	VERB
fsr-3379	336	12	to	to	PART
fsr-3379	336	13	save	save	VERB
fsr-3379	336	14	for	for	ADP
fsr-3379	336	15	retirement	retirement	NOUN
fsr-3379	336	16	at	at	ADP
fsr-3379	336	17	an	an	DET
fsr-3379	336	18	early	early	ADJ
fsr-3379	336	19	age	age	NOUN
fsr-3379	336	20	,	,	PUNCT
fsr-3379	336	21	leading	lead	VERB
fsr-3379	336	22	to	to	ADP
fsr-3379	336	23	better	well	ADJ
fsr-3379	336	24	retirement	retirement	NOUN
fsr-3379	336	25	savings	saving	NOUN
fsr-3379	336	26	outcomes	outcome	NOUN
fsr-3379	336	27	in	in	ADP
fsr-3379	336	28	later	later	ADJ
fsr-3379	336	29	years	year	NOUN
fsr-3379	336	30	.	.	PUNCT
fsr-3379	337	1	the	the	DET
fsr-3379	337	2	results	result	NOUN
fsr-3379	337	3	show	show	VERB
fsr-3379	337	4	that	that	SCONJ
fsr-3379	337	5	the	the	DET
fsr-3379	337	6	financial	financial	ADJ
fsr-3379	337	7	losses	loss	NOUN
fsr-3379	337	8	of	of	ADP
fsr-3379	337	9	entering	enter	VERB
fsr-3379	337	10	the	the	DET
fsr-3379	337	11	job	job	NOUN
fsr-3379	337	12	market	market	NOUN
fsr-3379	337	13	one	one	NUM
fsr-3379	337	14	year	year	NOUN
fsr-3379	337	15	later	later	ADV
fsr-3379	337	16	equates	equate	VERB
fsr-3379	337	17	to	to	ADP
fsr-3379	337	18	about	about	ADP
fsr-3379	337	19	$	$	SYM
fsr-3379	337	20	35,103	35,103	NUM
fsr-3379	337	21	(	(	PUNCT
fsr-3379	337	22	$	$	SYM
fsr-3379	337	23	7,534	7,534	NUM
fsr-3379	337	24	)	)	PUNCT
fsr-3379	337	25	.	.	PUNCT
fsr-3379	338	1	this	this	DET
fsr-3379	338	2	finding	finding	NOUN
fsr-3379	338	3	suggests	suggest	VERB
fsr-3379	338	4	that	that	SCONJ
fsr-3379	338	5	a	a	DET
fsr-3379	338	6	more	more	ADV
fsr-3379	338	7	institutional	institutional	ADJ
fsr-3379	338	8	and	and	CCONJ
fsr-3379	338	9	systematic	systematic	ADJ
fsr-3379	338	10	effort	effort	NOUN
fsr-3379	338	11	is	be	AUX
fsr-3379	338	12	needed	need	VERB
fsr-3379	338	13	in	in	ADP
fsr-3379	338	14	the	the	DET
fsr-3379	338	15	job	job	NOUN
fsr-3379	338	16	search	search	NOUN
fsr-3379	338	17	process	process	NOUN
fsr-3379	338	18	to	to	PART
fsr-3379	338	19	support	support	VERB
fsr-3379	338	20	students	student	NOUN
fsr-3379	338	21	in	in	ADP
fsr-3379	338	22	securing	secure	VERB
fsr-3379	338	23	employment	employment	NOUN
fsr-3379	338	24	as	as	ADV
fsr-3379	338	25	soon	soon	ADV
fsr-3379	338	26	as	as	ADP
fsr-3379	338	27	possible	possible	ADJ
fsr-3379	338	28	after	after	ADP
fsr-3379	338	29	graduation	graduation	NOUN
fsr-3379	338	30	.	.	PUNCT
fsr-3379	339	1	several	several	ADJ
fsr-3379	339	2	colleges	college	NOUN
fsr-3379	339	3	have	have	AUX
fsr-3379	339	4	recently	recently	ADV
fsr-3379	339	5	implemented	implement	VERB
fsr-3379	339	6	three	three	NUM
fsr-3379	339	7	-	-	PUNCT
fsr-3379	339	8	year	year	NOUN
fsr-3379	339	9	acceleration	acceleration	NOUN
fsr-3379	339	10	graduation	graduation	NOUN
fsr-3379	339	11	plans	plan	NOUN
fsr-3379	339	12	for	for	ADP
fsr-3379	339	13	students	student	NOUN
fsr-3379	339	14	.	.	PUNCT
fsr-3379	340	1	this	this	DET
fsr-3379	340	2	option	option	NOUN
fsr-3379	340	3	would	would	AUX
fsr-3379	340	4	decrease	decrease	VERB
fsr-3379	340	5	the	the	DET
fsr-3379	340	6	cost	cost	NOUN
fsr-3379	340	7	of	of	ADP
fsr-3379	340	8	college	college	NOUN
fsr-3379	340	9	by	by	ADP
fsr-3379	340	10	eliminating	eliminate	VERB
fsr-3379	340	11	one	one	NUM
fsr-3379	340	12	year	year	NOUN
fsr-3379	340	13	and	and	CCONJ
fsr-3379	340	14	would	would	AUX
fsr-3379	340	15	have	have	VERB
fsr-3379	340	16	graduates	graduate	NOUN
fsr-3379	340	17	into	into	ADP
fsr-3379	340	18	the	the	DET
fsr-3379	340	19	labor	labor	NOUN
fsr-3379	340	20	market	market	NOUN
fsr-3379	340	21	a	a	DET
fsr-3379	340	22	year	year	NOUN
fsr-3379	340	23	earlier	early	ADV
fsr-3379	340	24	.	.	PUNCT
fsr-3379	341	1	however	however	ADV
fsr-3379	341	2	,	,	PUNCT
fsr-3379	341	3	according	accord	VERB
fsr-3379	341	4	to	to	ADP
fsr-3379	341	5	a	a	DET
fsr-3379	341	6	survey	survey	NOUN
fsr-3379	341	7	of	of	ADP
fsr-3379	341	8	college	college	NOUN
fsr-3379	341	9	students	student	NOUN
fsr-3379	341	10	and	and	CCONJ
fsr-3379	341	11	recent	recent	ADJ
fsr-3379	341	12	graduates	graduate	NOUN
fsr-3379	341	13	before	before	ADP
fsr-3379	341	14	the	the	DET
fsr-3379	341	15	financial	financial	ADJ
fsr-3379	341	16	crisis	crisis	NOUN
fsr-3379	341	17	in	in	ADP
fsr-3379	341	18	2008	2008	NUM
fsr-3379	341	19	,	,	PUNCT
fsr-3379	341	20	more	more	ADJ
fsr-3379	341	21	than	than	ADP
fsr-3379	341	22	half	half	NOUN
fsr-3379	341	23	of	of	ADP
fsr-3379	341	24	the	the	DET
fsr-3379	341	25	respondents	respondent	NOUN
fsr-3379	341	26	reported	report	VERB
fsr-3379	341	27	that	that	SCONJ
fsr-3379	341	28	they	they	PRON
fsr-3379	341	29	did	do	AUX
fsr-3379	341	30	not	not	PART
fsr-3379	341	31	expect	expect	VERB
fsr-3379	341	32	a	a	DET
fsr-3379	341	33	job	job	NOUN
fsr-3379	341	34	offer	offer	NOUN
fsr-3379	341	35	by	by	ADP
fsr-3379	341	36	graduation	graduation	NOUN
fsr-3379	341	37	,	,	PUNCT
fsr-3379	341	38	and	and	CCONJ
fsr-3379	341	39	16	16	NUM
fsr-3379	341	40	%	%	NOUN
fsr-3379	341	41	went	go	VERB
fsr-3379	341	42	to	to	PART
fsr-3379	341	43	graduate	graduate	VERB
fsr-3379	341	44	schools	school	NOUN
fsr-3379	341	45	to	to	PART
fsr-3379	341	46	postpone	postpone	VERB
fsr-3379	341	47	entry	entry	NOUN
fsr-3379	341	48	into	into	ADP
fsr-3379	341	49	a	a	DET
fsr-3379	341	50	tight	tight	ADJ
fsr-3379	341	51	job	job	NOUN
fsr-3379	341	52	market	market	NOUN
fsr-3379	341	53	(	(	PUNCT
fsr-3379	341	54	kennedy	kennedy	PROPN
fsr-3379	341	55	,	,	PUNCT
fsr-3379	341	56	2004	2004	NUM
fsr-3379	341	57	)	)	PUNCT
fsr-3379	341	58	.	.	PUNCT
fsr-3379	342	1	such	such	ADJ
fsr-3379	342	2	delays	delay	NOUN
fsr-3379	342	3	on	on	ADP
fsr-3379	342	4	starting	start	VERB
fsr-3379	342	5	work	work	NOUN
fsr-3379	342	6	as	as	ADP
fsr-3379	342	7	a	a	DET
fsr-3379	342	8	young	young	ADJ
fsr-3379	342	9	adult	adult	NOUN
fsr-3379	342	10	may	may	AUX
fsr-3379	342	11	cause	cause	VERB
fsr-3379	342	12	insufficient	insufficient	ADJ
fsr-3379	342	13	retirement	retirement	NOUN
fsr-3379	342	14	savings	saving	NOUN
fsr-3379	342	15	in	in	ADP
fsr-3379	342	16	later	later	ADJ
fsr-3379	342	17	years	year	NOUN
fsr-3379	342	18	.	.	PUNCT
fsr-3379	343	1	furthermore	furthermore	ADV
fsr-3379	343	2	,	,	PUNCT
fsr-3379	343	3	college	college	NOUN
fsr-3379	343	4	education	education	NOUN
fsr-3379	343	5	may	may	AUX
fsr-3379	343	6	be	be	AUX
fsr-3379	343	7	one	one	NUM
fsr-3379	343	8	of	of	ADP
fsr-3379	343	9	the	the	DET
fsr-3379	343	10	important	important	ADJ
fsr-3379	343	11	opportunities	opportunity	NOUN
fsr-3379	343	12	to	to	PART
fsr-3379	343	13	help	help	VERB
fsr-3379	343	14	young	young	ADJ
fsr-3379	343	15	adults	adult	NOUN
fsr-3379	343	16	become	become	VERB
fsr-3379	343	17	more	more	ADV
fsr-3379	343	18	financially	financially	ADV
fsr-3379	343	19	knowledgeable	knowledgeable	ADJ
fsr-3379	343	20	and	and	CCONJ
fsr-3379	343	21	confident	confident	ADJ
fsr-3379	343	22	.	.	PUNCT
fsr-3379	344	1	however	however	ADV
fsr-3379	344	2	,	,	PUNCT
fsr-3379	344	3	personal	personal	ADJ
fsr-3379	344	4	finance	finance	NOUN
fsr-3379	344	5	education	education	NOUN
fsr-3379	344	6	is	be	AUX
fsr-3379	344	7	voluntary	voluntary	ADJ
fsr-3379	344	8	for	for	ADP
fsr-3379	344	9	many	many	ADJ
fsr-3379	344	10	college	college	NOUN
fsr-3379	344	11	students	student	NOUN
fsr-3379	344	12	(	(	PUNCT
fsr-3379	344	13	harrington	harrington	PROPN
fsr-3379	344	14	and	and	CCONJ
fsr-3379	344	15	smith	smith	PROPN
fsr-3379	344	16	,	,	PUNCT
fsr-3379	344	17	2016	2016	NUM
fsr-3379	344	18	)	)	PUNCT
fsr-3379	344	19	.	.	PUNCT
fsr-3379	345	1	intensive	intensive	ADJ
fsr-3379	345	2	supports	support	NOUN
fsr-3379	345	3	to	to	PART
fsr-3379	345	4	increase	increase	VERB
fsr-3379	345	5	student	student	NOUN
fsr-3379	345	6	participation	participation	NOUN
fsr-3379	345	7	may	may	AUX
fsr-3379	345	8	be	be	AUX
fsr-3379	345	9	needed	need	VERB
fsr-3379	345	10	.	.	PUNCT
fsr-3379	346	1	especially	especially	ADV
fsr-3379	346	2	,	,	PUNCT
fsr-3379	346	3	for	for	ADP
fsr-3379	346	4	those	those	DET
fsr-3379	346	5	students	student	NOUN
fsr-3379	346	6	who	who	PRON
fsr-3379	346	7	lack	lack	VERB
fsr-3379	346	8	financial	financial	ADJ
fsr-3379	346	9	awareness	awareness	NOUN
fsr-3379	346	10	or	or	CCONJ
fsr-3379	346	11	literacy	literacy	NOUN
fsr-3379	346	12	,	,	PUNCT
fsr-3379	346	13	more	more	ADJ
fsr-3379	346	14	advertising	advertising	NOUN
fsr-3379	346	15	targeted	target	VERB
fsr-3379	346	16	at	at	ADP
fsr-3379	346	17	these	these	DET
fsr-3379	346	18	groups	group	NOUN
fsr-3379	346	19	and	and	CCONJ
fsr-3379	346	20	offering	offer	VERB
fsr-3379	346	21	more	more	ADJ
fsr-3379	346	22	sections	section	NOUN
fsr-3379	346	23	should	should	AUX
fsr-3379	346	24	be	be	AUX
fsr-3379	346	25	considered	consider	VERB
fsr-3379	346	26	(	(	PUNCT
fsr-3379	346	27	beierlein	beierlein	NOUN
fsr-3379	346	28	and	and	CCONJ
fsr-3379	346	29	neverett	neverett	NOUN
fsr-3379	346	30	,	,	PUNCT
fsr-3379	346	31	2013	2013	NUM
fsr-3379	346	32	)	)	PUNCT
fsr-3379	346	33	.	.	PUNCT
fsr-3379	347	1	study	study	NOUN
fsr-3379	347	2	findings	finding	NOUN
fsr-3379	347	3	also	also	ADV
fsr-3379	347	4	suggest	suggest	VERB
fsr-3379	347	5	that	that	SCONJ
fsr-3379	347	6	a	a	DET
fsr-3379	347	7	change	change	NOUN
fsr-3379	347	8	in	in	ADP
fsr-3379	347	9	the	the	DET
fsr-3379	347	10	voluntary	voluntary	ADJ
fsr-3379	347	11	enrollment	enrollment	NOUN
fsr-3379	347	12	option	option	NOUN
fsr-3379	347	13	often	often	ADV
fsr-3379	347	14	given	give	VERB
fsr-3379	347	15	to	to	ADP
fsr-3379	347	16	young	young	ADJ
fsr-3379	347	17	employees	employee	NOUN
fsr-3379	347	18	in	in	ADP
fsr-3379	347	19	participating	participate	VERB
fsr-3379	347	20	in	in	ADP
fsr-3379	347	21	employer	employer	NOUN
fsr-3379	347	22	sponsored	sponsor	VERB
fsr-3379	347	23	retirement	retirement	NOUN
fsr-3379	347	24	savings	saving	NOUN
fsr-3379	347	25	plans	plan	NOUN
fsr-3379	347	26	might	might	AUX
fsr-3379	347	27	be	be	AUX
fsr-3379	347	28	needed	need	VERB
fsr-3379	347	29	.	.	PUNCT
fsr-3379	348	1	currently	currently	ADV
fsr-3379	348	2	among	among	ADP
fsr-3379	348	3	young	young	ADJ
fsr-3379	348	4	employees	employee	NOUN
fsr-3379	348	5	who	who	PRON
fsr-3379	348	6	are	be	AUX
fsr-3379	348	7	at	at	ADP
fsr-3379	348	8	or	or	CCONJ
fsr-3379	348	9	under	under	ADP
fsr-3379	348	10	age	age	NOUN
fsr-3379	348	11	29	29	NUM
fsr-3379	348	12	,	,	PUNCT
fsr-3379	348	13	only	only	ADV
fsr-3379	348	14	34	34	NUM
fsr-3379	348	15	%	%	NOUN
fsr-3379	348	16	participate	participate	NOUN
fsr-3379	348	17	in	in	ADP
fsr-3379	348	18	retirement	retirement	NOUN
fsr-3379	348	19	savings	saving	NOUN
fsr-3379	348	20	plans	plan	NOUN
fsr-3379	348	21	despite	despite	SCONJ
fsr-3379	348	22	their	their	PRON
fsr-3379	348	23	employers	employer	NOUN
fsr-3379	348	24	providing	provide	VERB
fsr-3379	348	25	retirement	retirement	NOUN
fsr-3379	348	26	savings	saving	NOUN
fsr-3379	348	27	plans	plan	NOUN
fsr-3379	348	28	(	(	PUNCT
fsr-3379	348	29	the	the	DET
fsr-3379	348	30	pew	pew	NOUN
fsr-3379	348	31	charitable	charitable	ADJ
fsr-3379	348	32	trusts	trust	NOUN
fsr-3379	348	33	,	,	PUNCT
fsr-3379	348	34	2016	2016	NUM
fsr-3379	348	35	)	)	PUNCT
fsr-3379	348	36	.	.	PUNCT
fsr-3379	349	1	employers	employer	NOUN
fsr-3379	349	2	who	who	PRON
fsr-3379	349	3	provide	provide	VERB
fsr-3379	349	4	retirement	retirement	NOUN
fsr-3379	349	5	savings	saving	NOUN
fsr-3379	349	6	plans	plan	NOUN
fsr-3379	349	7	such	such	ADJ
fsr-3379	349	8	as	as	ADP
fsr-3379	349	9	a	a	DET
fsr-3379	349	10	401(k	401(k	NOUN
fsr-3379	349	11	)	)	PUNCT
fsr-3379	349	12	have	have	AUX
fsr-3379	349	13	commonly	commonly	ADV
fsr-3379	349	14	mandated	mandate	VERB
fsr-3379	349	15	their	their	PRON
fsr-3379	349	16	employees	employee	NOUN
fsr-3379	349	17	’	’	PART
fsr-3379	349	18	contributions	contribution	NOUN
fsr-3379	349	19	for	for	ADP
fsr-3379	349	20	their	their	PRON
fsr-3379	349	21	retirement	retirement	NOUN
fsr-3379	349	22	savings	saving	NOUN
fsr-3379	349	23	.	.	PUNCT
fsr-3379	350	1	however	however	ADV
fsr-3379	350	2	,	,	PUNCT
fsr-3379	350	3	many	many	ADJ
fsr-3379	350	4	employers	employer	NOUN
fsr-3379	350	5	do	do	AUX
fsr-3379	350	6	not	not	PART
fsr-3379	350	7	require	require	VERB
fsr-3379	350	8	their	their	PRON
fsr-3379	350	9	employees	employee	NOUN
fsr-3379	350	10	including	include	VERB
fsr-3379	350	11	young	young	ADJ
fsr-3379	350	12	employees	employee	NOUN
fsr-3379	350	13	,	,	PUNCT
fsr-3379	350	14	aged	aged	ADJ
fsr-3379	350	15	30	30	NUM
fsr-3379	350	16	or	or	CCONJ
fsr-3379	350	17	less	less	ADJ
fsr-3379	350	18	,	,	PUNCT
fsr-3379	350	19	to	to	PART
fsr-3379	350	20	contribute	contribute	VERB
fsr-3379	350	21	savings	saving	NOUN
fsr-3379	350	22	for	for	ADP
fsr-3379	350	23	retirement	retirement	NOUN
fsr-3379	350	24	.	.	PUNCT
fsr-3379	351	1	even	even	ADV
fsr-3379	351	2	some	some	DET
fsr-3379	351	3	employer	employer	NOUN
fsr-3379	351	4	sponsored	sponsor	VERB
fsr-3379	351	5	retirement	retirement	NOUN
fsr-3379	351	6	savings	saving	NOUN
fsr-3379	351	7	plans	plan	NOUN
fsr-3379	351	8	do	do	AUX
fsr-3379	351	9	not	not	PART
fsr-3379	351	10	allow	allow	VERB
fsr-3379	351	11	employees	employee	NOUN
fsr-3379	351	12	who	who	PRON
fsr-3379	351	13	are	be	AUX
fsr-3379	351	14	under	under	ADP
fsr-3379	351	15	age	age	NOUN
fsr-3379	351	16	21	21	NUM
fsr-3379	351	17	or	or	CCONJ
fsr-3379	351	18	work	work	VERB
fsr-3379	351	19	less	less	ADJ
fsr-3379	351	20	than	than	ADP
fsr-3379	351	21	a	a	DET
fsr-3379	351	22	year	year	NOUN
fsr-3379	351	23	to	to	PART
fsr-3379	351	24	participate	participate	VERB
fsr-3379	351	25	in	in	ADP
fsr-3379	351	26	their	their	PRON
fsr-3379	351	27	plan	plan	NOUN
fsr-3379	351	28	(	(	PUNCT
fsr-3379	351	29	u.s	u.s	PROPN
fsr-3379	351	30	.	.	PROPN
fsr-3379	351	31	department	department	PROPN
fsr-3379	351	32	of	of	ADP
fsr-3379	351	33	labor	labor	NOUN
fsr-3379	351	34	,	,	PUNCT
fsr-3379	351	35	2016a	2016a	NUM
fsr-3379	351	36	)	)	PUNCT
fsr-3379	351	37	.	.	PUNCT
fsr-3379	352	1	this	this	DET
fsr-3379	352	2	policy	policy	NOUN
fsr-3379	352	3	discourages	discourage	VERB
fsr-3379	352	4	young	young	ADJ
fsr-3379	352	5	employees	employee	NOUN
fsr-3379	352	6	to	to	PART
fsr-3379	352	7	start	start	VERB
fsr-3379	352	8	saving	save	VERB
fsr-3379	352	9	early	early	ADV
fsr-3379	352	10	for	for	ADP
fsr-3379	352	11	retirement	retirement	NOUN
fsr-3379	352	12	even	even	ADV
fsr-3379	352	13	though	though	SCONJ
fsr-3379	352	14	they	they	PRON
fsr-3379	352	15	start	start	VERB
fsr-3379	352	16	work	work	NOUN
fsr-3379	352	17	at	at	ADP
fsr-3379	352	18	a	a	DET
fsr-3379	352	19	young	young	ADJ
fsr-3379	352	20	age	age	NOUN
fsr-3379	352	21	,	,	PUNCT
fsr-3379	352	22	and	and	CCONJ
fsr-3379	352	23	prevents	prevent	VERB
fsr-3379	352	24	them	they	PRON
fsr-3379	352	25	from	from	ADP
fsr-3379	352	26	taking	take	VERB
fsr-3379	352	27	advantage	advantage	NOUN
fsr-3379	352	28	of	of	ADP
fsr-3379	352	29	the	the	DET
fsr-3379	352	30	benefits	benefit	NOUN
fsr-3379	352	31	of	of	ADP
fsr-3379	352	32	compound	compound	NOUN
fsr-3379	352	33	return	return	NOUN
fsr-3379	352	34	.	.	PUNCT
fsr-3379	353	1	study	study	NOUN
fsr-3379	353	2	findings	finding	NOUN
fsr-3379	353	3	suggest	suggest	VERB
fsr-3379	353	4	that	that	SCONJ
fsr-3379	353	5	this	this	DET
fsr-3379	353	6	policy	policy	NOUN
fsr-3379	353	7	may	may	AUX
fsr-3379	353	8	need	need	VERB
fsr-3379	353	9	to	to	PART
fsr-3379	353	10	be	be	AUX
fsr-3379	353	11	reconsidered	reconsider	VERB
fsr-3379	353	12	or	or	CCONJ
fsr-3379	353	13	adjusted	adjust	VERB
fsr-3379	353	14	by	by	ADP
fsr-3379	353	15	employers	employer	NOUN
fsr-3379	354	1	42	42	NUM
fsr-3379	354	2	h.	h.	PROPN
fsr-3379	354	3	kim	kim	PROPN
fsr-3379	354	4	et	et	PROPN
fsr-3379	354	5	al	al	PROPN
fsr-3379	354	6	.	.	PUNCT
fsr-3379	354	7	/	/	SYM
fsr-3379	354	8	financial	financial	ADJ
fsr-3379	354	9	services	service	NOUN
fsr-3379	354	10	review	review	VERB
fsr-3379	354	11	27	27	NUM
fsr-3379	354	12	(	(	PUNCT
fsr-3379	354	13	2018	2018	NUM
fsr-3379	354	14	)	)	PUNCT
fsr-3379	354	15	29	29	NUM
fsr-3379	354	16	-	-	SYM
fsr-3379	354	17	45	45	NUM
fsr-3379	354	18	or	or	CCONJ
fsr-3379	354	19	policy	policy	NOUN
fsr-3379	354	20	makers	maker	NOUN
fsr-3379	354	21	for	for	ADP
fsr-3379	354	22	young	young	ADJ
fsr-3379	354	23	americans	americans	PROPN
fsr-3379	354	24	to	to	PART
fsr-3379	354	25	better	well	ADV
fsr-3379	354	26	prepare	prepare	VERB
fsr-3379	354	27	for	for	ADP
fsr-3379	354	28	retirement	retirement	NOUN
fsr-3379	354	29	financially	financially	ADV
fsr-3379	354	30	at	at	ADP
fsr-3379	354	31	younger	young	ADJ
fsr-3379	354	32	ages	age	NOUN
fsr-3379	354	33	.	.	PUNCT
fsr-3379	355	1	despite	despite	SCONJ
fsr-3379	355	2	meaningful	meaningful	ADJ
fsr-3379	355	3	implications	implication	NOUN
fsr-3379	355	4	of	of	ADP
fsr-3379	355	5	study	study	NOUN
fsr-3379	355	6	findings	finding	NOUN
fsr-3379	355	7	for	for	ADP
fsr-3379	355	8	individual	individual	ADJ
fsr-3379	355	9	retirement	retirement	NOUN
fsr-3379	355	10	savings	saving	NOUN
fsr-3379	355	11	and	and	CCONJ
fsr-3379	355	12	policy	policy	NOUN
fsr-3379	355	13	makers	maker	NOUN
fsr-3379	355	14	,	,	PUNCT
fsr-3379	355	15	this	this	DET
fsr-3379	355	16	study	study	NOUN
fsr-3379	355	17	has	have	VERB
fsr-3379	355	18	several	several	ADJ
fsr-3379	355	19	limitations	limitation	NOUN
fsr-3379	355	20	resulting	result	VERB
fsr-3379	355	21	from	from	ADP
fsr-3379	355	22	the	the	DET
fsr-3379	355	23	hrs	hrs	NOUN
fsr-3379	355	24	data	data	NOUN
fsr-3379	355	25	.	.	PUNCT
fsr-3379	356	1	a	a	DET
fsr-3379	356	2	direct	direct	ADJ
fsr-3379	356	3	measure	measure	NOUN
fsr-3379	356	4	of	of	ADP
fsr-3379	356	5	savings	saving	NOUN
fsr-3379	356	6	could	could	AUX
fsr-3379	356	7	not	not	PART
fsr-3379	356	8	be	be	AUX
fsr-3379	356	9	included	include	VERB
fsr-3379	356	10	in	in	ADP
fsr-3379	356	11	our	our	PRON
fsr-3379	356	12	estimation	estimation	NOUN
fsr-3379	356	13	:	:	PUNCT
fsr-3379	356	14	whether	whether	SCONJ
fsr-3379	356	15	to	to	PART
fsr-3379	356	16	save	save	VERB
fsr-3379	356	17	and	and	CCONJ
fsr-3379	356	18	how	how	SCONJ
fsr-3379	356	19	much	much	ADJ
fsr-3379	356	20	to	to	PART
fsr-3379	356	21	save	save	VERB
fsr-3379	356	22	for	for	ADP
fsr-3379	356	23	retirement	retirement	NOUN
fsr-3379	356	24	savings	saving	NOUN
fsr-3379	356	25	each	each	DET
fsr-3379	356	26	year	year	NOUN
fsr-3379	356	27	.	.	PUNCT
fsr-3379	357	1	the	the	DET
fsr-3379	357	2	saving	saving	NOUN
fsr-3379	357	3	amount	amount	NOUN
fsr-3379	357	4	each	each	DET
fsr-3379	357	5	period	period	NOUN
fsr-3379	357	6	is	be	AUX
fsr-3379	357	7	a	a	DET
fsr-3379	357	8	relevant	relevant	ADJ
fsr-3379	357	9	factor	factor	NOUN
fsr-3379	357	10	of	of	ADP
fsr-3379	357	11	retirement	retirement	NOUN
fsr-3379	357	12	savings	saving	NOUN
fsr-3379	357	13	outcomes	outcome	NOUN
fsr-3379	357	14	in	in	ADP
fsr-3379	357	15	the	the	DET
fsr-3379	357	16	conceptual	conceptual	ADJ
fsr-3379	357	17	model	model	NOUN
fsr-3379	357	18	along	along	ADP
fsr-3379	357	19	with	with	ADP
fsr-3379	357	20	how	how	SCONJ
fsr-3379	357	21	long	long	ADJ
fsr-3379	357	22	to	to	PART
fsr-3379	357	23	work	work	VERB
fsr-3379	357	24	and	and	CCONJ
fsr-3379	357	25	save	save	VERB
fsr-3379	357	26	.	.	PUNCT
fsr-3379	358	1	the	the	DET
fsr-3379	358	2	variable	variable	NOUN
fsr-3379	358	3	of	of	ADP
fsr-3379	358	4	periodic	periodic	ADJ
fsr-3379	358	5	saving	saving	NOUN
fsr-3379	358	6	amount	amount	NOUN
fsr-3379	358	7	is	be	AUX
fsr-3379	358	8	not	not	PART
fsr-3379	358	9	available	available	ADJ
fsr-3379	358	10	in	in	ADP
fsr-3379	358	11	the	the	DET
fsr-3379	358	12	data	datum	NOUN
fsr-3379	358	13	set	set	VERB
fsr-3379	358	14	.	.	PUNCT
fsr-3379	359	1	instead	instead	ADV
fsr-3379	359	2	,	,	PUNCT
fsr-3379	359	3	education	education	NOUN
fsr-3379	359	4	,	,	PUNCT
fsr-3379	359	5	career	career	NOUN
fsr-3379	359	6	job	job	NOUN
fsr-3379	359	7	type	type	NOUN
fsr-3379	359	8	,	,	PUNCT
fsr-3379	359	9	or	or	CCONJ
fsr-3379	359	10	the	the	DET
fsr-3379	359	11	associated	associated	ADJ
fsr-3379	359	12	average	average	ADJ
fsr-3379	359	13	salary	salary	NOUN
fsr-3379	359	14	was	be	AUX
fsr-3379	359	15	controlled	control	VERB
fsr-3379	359	16	.	.	PUNCT
fsr-3379	360	1	although	although	SCONJ
fsr-3379	360	2	these	these	DET
fsr-3379	360	3	proxy	proxy	NOUN
fsr-3379	360	4	variables	variable	NOUN
fsr-3379	360	5	may	may	AUX
fsr-3379	360	6	not	not	PART
fsr-3379	360	7	eradicate	eradicate	VERB
fsr-3379	360	8	the	the	DET
fsr-3379	360	9	impacts	impact	NOUN
fsr-3379	360	10	,	,	PUNCT
fsr-3379	360	11	the	the	DET
fsr-3379	360	12	variables	variable	NOUN
fsr-3379	360	13	can	can	AUX
fsr-3379	360	14	help	help	VERB
fsr-3379	360	15	to	to	PART
fsr-3379	360	16	mitigate	mitigate	VERB
fsr-3379	360	17	the	the	DET
fsr-3379	360	18	bias	bias	NOUN
fsr-3379	360	19	from	from	ADP
fsr-3379	360	20	missing	miss	VERB
fsr-3379	360	21	periodic	periodic	ADJ
fsr-3379	360	22	savings	saving	NOUN
fsr-3379	360	23	amount	amount	NOUN
fsr-3379	360	24	.	.	PUNCT
fsr-3379	361	1	empirical	empirical	ADJ
fsr-3379	361	2	evidence	evidence	NOUN
fsr-3379	361	3	suggests	suggest	VERB
fsr-3379	361	4	that	that	SCONJ
fsr-3379	361	5	higher	high	ADJ
fsr-3379	361	6	education	education	NOUN
fsr-3379	361	7	and	and	CCONJ
fsr-3379	361	8	associated	associate	VERB
fsr-3379	361	9	higher	high	ADJ
fsr-3379	361	10	salary	salary	NOUN
fsr-3379	361	11	increase	increase	VERB
fsr-3379	361	12	the	the	DET
fsr-3379	361	13	propensity	propensity	NOUN
fsr-3379	361	14	to	to	PART
fsr-3379	361	15	save	save	VERB
fsr-3379	361	16	for	for	ADP
fsr-3379	361	17	retirement	retirement	NOUN
fsr-3379	361	18	(	(	PUNCT
fsr-3379	361	19	lusardi	lusardi	PROPN
fsr-3379	361	20	and	and	CCONJ
fsr-3379	361	21	mitchell	mitchell	PROPN
fsr-3379	361	22	,	,	PUNCT
fsr-3379	361	23	2007	2007	NUM
fsr-3379	361	24	;	;	PUNCT
fsr-3379	361	25	warne	warne	NOUN
fsr-3379	361	26	,	,	PUNCT
fsr-3379	361	27	2013	2013	NUM
fsr-3379	361	28	)	)	PUNCT
fsr-3379	361	29	.	.	PUNCT
fsr-3379	362	1	as	as	SCONJ
fsr-3379	362	2	mentioned	mention	VERB
fsr-3379	362	3	in	in	ADP
fsr-3379	362	4	the	the	DET
fsr-3379	362	5	empirical	empirical	ADJ
fsr-3379	362	6	model	model	NOUN
fsr-3379	362	7	,	,	PUNCT
fsr-3379	362	8	we	we	PRON
fsr-3379	362	9	do	do	AUX
fsr-3379	362	10	not	not	PART
fsr-3379	362	11	estimate	estimate	VERB
fsr-3379	362	12	a	a	DET
fsr-3379	362	13	direct	direct	ADJ
fsr-3379	362	14	effect	effect	NOUN
fsr-3379	362	15	of	of	ADP
fsr-3379	362	16	compound	compound	NOUN
fsr-3379	362	17	return	return	NOUN
fsr-3379	362	18	on	on	ADP
fsr-3379	362	19	retirement	retirement	NOUN
fsr-3379	362	20	savings	saving	NOUN
fsr-3379	362	21	.	.	PUNCT
fsr-3379	363	1	instead	instead	ADV
fsr-3379	363	2	,	,	PUNCT
fsr-3379	363	3	we	we	PRON
fsr-3379	363	4	approximate	approximate	VERB
fsr-3379	363	5	the	the	DET
fsr-3379	363	6	effect	effect	NOUN
fsr-3379	363	7	with	with	ADP
fsr-3379	363	8	age	age	NOUN
fsr-3379	363	9	when	when	SCONJ
fsr-3379	363	10	first	first	ADV
fsr-3379	363	11	employed	employ	VERB
fsr-3379	363	12	.	.	PUNCT
fsr-3379	364	1	in	in	ADP
fsr-3379	364	2	other	other	ADJ
fsr-3379	364	3	words	word	NOUN
fsr-3379	364	4	,	,	PUNCT
fsr-3379	364	5	we	we	PRON
fsr-3379	364	6	assume	assume	VERB
fsr-3379	364	7	that	that	SCONJ
fsr-3379	364	8	an	an	DET
fsr-3379	364	9	individual	individual	NOUN
fsr-3379	364	10	will	will	AUX
fsr-3379	364	11	start	start	VERB
fsr-3379	364	12	to	to	PART
fsr-3379	364	13	save	save	VERB
fsr-3379	364	14	for	for	ADP
fsr-3379	364	15	retirement	retirement	NOUN
fsr-3379	364	16	when	when	SCONJ
fsr-3379	364	17	they	they	PRON
fsr-3379	364	18	have	have	VERB
fsr-3379	364	19	a	a	DET
fsr-3379	364	20	first	first	ADJ
fsr-3379	364	21	job	job	NOUN
fsr-3379	364	22	.	.	PUNCT
fsr-3379	365	1	in	in	ADP
fsr-3379	365	2	addition	addition	NOUN
fsr-3379	365	3	,	,	PUNCT
fsr-3379	365	4	we	we	PRON
fsr-3379	365	5	can	can	AUX
fsr-3379	365	6	not	not	PART
fsr-3379	365	7	include	include	VERB
fsr-3379	365	8	existent	existent	ADJ
fsr-3379	365	9	savings	saving	NOUN
fsr-3379	365	10	at	at	ADP
fsr-3379	365	11	age	age	NOUN
fsr-3379	365	12	when	when	SCONJ
fsr-3379	365	13	first	first	ADV
fsr-3379	365	14	employed	employ	VERB
fsr-3379	365	15	if	if	SCONJ
fsr-3379	365	16	any	any	PRON
fsr-3379	365	17	because	because	SCONJ
fsr-3379	365	18	of	of	ADP
fsr-3379	365	19	data	datum	NOUN
fsr-3379	365	20	unavailability	unavailability	NOUN
fsr-3379	365	21	.	.	PUNCT
fsr-3379	366	1	although	although	SCONJ
fsr-3379	366	2	,	,	PUNCT
fsr-3379	366	3	most	most	ADJ
fsr-3379	366	4	american	american	ADJ
fsr-3379	366	5	young	young	ADJ
fsr-3379	366	6	adults	adult	NOUN
fsr-3379	366	7	do	do	AUX
fsr-3379	366	8	not	not	PART
fsr-3379	366	9	have	have	VERB
fsr-3379	366	10	any	any	DET
fsr-3379	366	11	savings	saving	NOUN
fsr-3379	366	12	for	for	ADP
fsr-3379	366	13	retirement	retirement	NOUN
fsr-3379	366	14	.	.	PUNCT
fsr-3379	367	1	further	further	ADJ
fsr-3379	367	2	studies	study	NOUN
fsr-3379	367	3	are	be	AUX
fsr-3379	367	4	necessary	necessary	ADJ
fsr-3379	367	5	with	with	ADP
fsr-3379	367	6	related	related	ADJ
fsr-3379	367	7	variables	variable	NOUN
fsr-3379	367	8	to	to	PART
fsr-3379	367	9	capture	capture	VERB
fsr-3379	367	10	compound	compound	NOUN
fsr-3379	367	11	return	return	NOUN
fsr-3379	367	12	and	and	CCONJ
fsr-3379	367	13	savings	saving	NOUN
fsr-3379	367	14	for	for	ADP
fsr-3379	367	15	retirement	retirement	NOUN
fsr-3379	367	16	at	at	ADP
fsr-3379	367	17	the	the	DET
fsr-3379	367	18	age	age	NOUN
fsr-3379	367	19	of	of	ADP
fsr-3379	367	20	first	first	ADJ
fsr-3379	367	21	employment	employment	NOUN
fsr-3379	367	22	.	.	PUNCT
fsr-3379	368	1	additionally	additionally	ADV
fsr-3379	368	2	,	,	PUNCT
fsr-3379	368	3	further	further	ADJ
fsr-3379	368	4	clarifications	clarification	NOUN
fsr-3379	368	5	regarding	regard	VERB
fsr-3379	368	6	first	first	ADJ
fsr-3379	368	7	employment	employment	NOUN
fsr-3379	368	8	are	be	AUX
fsr-3379	368	9	needed	need	VERB
fsr-3379	368	10	.	.	PUNCT
fsr-3379	369	1	the	the	DET
fsr-3379	369	2	measure	measure	NOUN
fsr-3379	369	3	of	of	ADP
fsr-3379	369	4	age	age	NOUN
fsr-3379	369	5	when	when	SCONJ
fsr-3379	369	6	first	first	ADV
fsr-3379	369	7	employed	employ	VERB
fsr-3379	369	8	is	be	AUX
fsr-3379	369	9	based	base	VERB
fsr-3379	369	10	on	on	ADP
fsr-3379	369	11	the	the	DET
fsr-3379	369	12	following	follow	VERB
fsr-3379	369	13	question	question	NOUN
fsr-3379	369	14	:	:	PUNCT
fsr-3379	369	15	in	in	ADP
fsr-3379	369	16	what	what	DET
fsr-3379	369	17	year	year	NOUN
fsr-3379	369	18	did	do	AUX
fsr-3379	369	19	you	you	PRON
fsr-3379	369	20	first	first	ADV
fsr-3379	369	21	work	work	VERB
fsr-3379	369	22	for	for	ADP
fsr-3379	369	23	six	six	NUM
fsr-3379	369	24	months	month	NOUN
fsr-3379	369	25	or	or	CCONJ
fsr-3379	369	26	more	more	ADJ
fsr-3379	369	27	?	?	PUNCT
fsr-3379	370	1	this	this	DET
fsr-3379	370	2	question	question	NOUN
fsr-3379	370	3	can	can	AUX
fsr-3379	370	4	capture	capture	VERB
fsr-3379	370	5	the	the	DET
fsr-3379	370	6	age	age	NOUN
fsr-3379	370	7	when	when	SCONJ
fsr-3379	370	8	first	first	ADV
fsr-3379	370	9	employed	employ	VERB
fsr-3379	370	10	,	,	PUNCT
fsr-3379	370	11	but	but	CCONJ
fsr-3379	370	12	does	do	AUX
fsr-3379	370	13	not	not	PART
fsr-3379	370	14	articulate	articulate	VERB
fsr-3379	370	15	whether	whether	SCONJ
fsr-3379	370	16	it	it	PRON
fsr-3379	370	17	was	be	AUX
fsr-3379	370	18	full	full	ADJ
fsr-3379	370	19	-	-	PUNCT
fsr-3379	370	20	time	time	NOUN
fsr-3379	370	21	or	or	CCONJ
fsr-3379	370	22	part	part	ADJ
fsr-3379	370	23	-	-	PUNCT
fsr-3379	370	24	time	time	NOUN
fsr-3379	370	25	employment	employment	NOUN
fsr-3379	370	26	and	and	CCONJ
fsr-3379	370	27	career	career	NOUN
fsr-3379	370	28	or	or	CCONJ
fsr-3379	370	29	temporary	temporary	ADJ
fsr-3379	370	30	job	job	NOUN
fsr-3379	370	31	.	.	PUNCT
fsr-3379	371	1	to	to	PART
fsr-3379	371	2	mitigate	mitigate	VERB
fsr-3379	371	3	potential	potential	ADJ
fsr-3379	371	4	bias	bias	NOUN
fsr-3379	371	5	from	from	ADP
fsr-3379	371	6	this	this	DET
fsr-3379	371	7	limitation	limitation	NOUN
fsr-3379	371	8	,	,	PUNCT
fsr-3379	371	9	respondents	respondent	NOUN
fsr-3379	371	10	’	'	PUNCT
fsr-3379	371	11	occupation	occupation	NOUN
fsr-3379	371	12	type	type	NOUN
fsr-3379	371	13	for	for	ADP
fsr-3379	371	14	the	the	DET
fsr-3379	371	15	longest	long	ADJ
fsr-3379	371	16	tenured	tenure	VERB
fsr-3379	371	17	job	job	NOUN
fsr-3379	371	18	is	be	AUX
fsr-3379	371	19	included	include	VERB
fsr-3379	371	20	.	.	PUNCT
fsr-3379	372	1	further	further	ADJ
fsr-3379	372	2	studies	study	NOUN
fsr-3379	372	3	are	be	AUX
fsr-3379	372	4	needed	need	VERB
fsr-3379	372	5	to	to	PART
fsr-3379	372	6	take	take	VERB
fsr-3379	372	7	into	into	ADP
fsr-3379	372	8	account	account	NOUN
fsr-3379	372	9	these	these	DET
fsr-3379	372	10	issues	issue	NOUN
fsr-3379	372	11	.	.	PUNCT
fsr-3379	373	1	notes	note	NOUN
fsr-3379	373	2	1	1	NUM
fsr-3379	373	3	in	in	ADP
fsr-3379	373	4	the	the	DET
fsr-3379	373	5	hrs	hrs	NOUN
fsr-3379	373	6	sample	sample	NOUN
fsr-3379	373	7	,	,	PUNCT
fsr-3379	373	8	racial	racial	ADJ
fsr-3379	373	9	minorities	minority	NOUN
fsr-3379	373	10	are	be	AUX
fsr-3379	373	11	oversampled	oversample	VERB
fsr-3379	373	12	compared	compare	VERB
fsr-3379	373	13	with	with	ADP
fsr-3379	373	14	the	the	DET
fsr-3379	373	15	actual	actual	ADJ
fsr-3379	373	16	racial	racial	ADJ
fsr-3379	373	17	composition	composition	NOUN
fsr-3379	373	18	of	of	ADP
fsr-3379	373	19	all	all	DET
fsr-3379	373	20	u.s	u.s	PROPN
fsr-3379	373	21	.	.	PROPN
fsr-3379	373	22	households	household	NOUN
fsr-3379	373	23	.	.	PUNCT
fsr-3379	374	1	in	in	ADP
fsr-3379	374	2	addition	addition	NOUN
fsr-3379	374	3	,	,	PUNCT
fsr-3379	374	4	the	the	DET
fsr-3379	374	5	sample	sample	NOUN
fsr-3379	374	6	contains	contain	VERB
fsr-3379	374	7	an	an	DET
fsr-3379	374	8	oversample	oversample	NOUN
fsr-3379	374	9	of	of	ADP
fsr-3379	374	10	florida	florida	PROPN
fsr-3379	374	11	residents	resident	NOUN
fsr-3379	374	12	.	.	PUNCT
fsr-3379	375	1	the	the	DET
fsr-3379	375	2	sample	sample	NOUN
fsr-3379	375	3	weights	weight	NOUN
fsr-3379	375	4	are	be	AUX
fsr-3379	375	5	constructed	construct	VERB
fsr-3379	375	6	in	in	ADP
fsr-3379	375	7	a	a	DET
fsr-3379	375	8	way	way	NOUN
fsr-3379	375	9	to	to	PART
fsr-3379	375	10	make	make	VERB
fsr-3379	375	11	the	the	DET
fsr-3379	375	12	hrs	hrs	NOUN
fsr-3379	375	13	weighted	weight	VERB
fsr-3379	375	14	sample	sample	NOUN
fsr-3379	375	15	representative	representative	NOUN
fsr-3379	375	16	of	of	ADP
fsr-3379	375	17	all	all	DET
fsr-3379	375	18	u.s	u.s	PROPN
fsr-3379	375	19	.	.	PROPN
fsr-3379	375	20	households	household	NOUN
fsr-3379	375	21	or	or	CCONJ
fsr-3379	375	22	of	of	ADP
fsr-3379	375	23	all	all	DET
fsr-3379	375	24	individuals	individual	NOUN
fsr-3379	375	25	in	in	ADP
fsr-3379	375	26	the	the	DET
fsr-3379	375	27	u.s	u.s	PROPN
fsr-3379	375	28	.	.	PROPN
fsr-3379	375	29	population	population	NOUN
fsr-3379	375	30	in	in	ADP
fsr-3379	375	31	the	the	DET
fsr-3379	375	32	age	age	NOUN
fsr-3379	375	33	eligible	eligible	ADJ
fsr-3379	375	34	range	range	NOUN
fsr-3379	375	35	(	(	PUNCT
fsr-3379	375	36	hrs	hrs	NOUN
fsr-3379	375	37	,	,	PUNCT
fsr-3379	375	38	2011	2011	NUM
fsr-3379	375	39	)	)	PUNCT
fsr-3379	375	40	.	.	PUNCT
fsr-3379	376	1	2	2	NUM
fsr-3379	376	2	net	net	NOUN
fsr-3379	376	3	worth	worth	ADJ
fsr-3379	376	4	data	datum	NOUN
fsr-3379	376	5	tend	tend	VERB
fsr-3379	376	6	to	to	PART
fsr-3379	376	7	have	have	VERB
fsr-3379	376	8	a	a	DET
fsr-3379	376	9	right	right	ADJ
fsr-3379	376	10	-	-	PUNCT
fsr-3379	376	11	skewed	skewed	ADJ
fsr-3379	376	12	distribution	distribution	NOUN
fsr-3379	376	13	which	which	PRON
fsr-3379	376	14	can	can	AUX
fsr-3379	376	15	lead	lead	VERB
fsr-3379	376	16	to	to	ADP
fsr-3379	376	17	biased	biased	ADJ
fsr-3379	376	18	estimates	estimate	NOUN
fsr-3379	376	19	.	.	PUNCT
fsr-3379	377	1	thus	thus	ADV
fsr-3379	377	2	,	,	PUNCT
fsr-3379	377	3	we	we	PRON
fsr-3379	377	4	conduct	conduct	VERB
fsr-3379	377	5	sensitivity	sensitivity	NOUN
fsr-3379	377	6	tests	test	NOUN
fsr-3379	377	7	using	use	VERB
fsr-3379	377	8	natural	natural	ADJ
fsr-3379	377	9	logarithm	logarithm	NOUN
fsr-3379	377	10	to	to	PART
fsr-3379	377	11	mitigate	mitigate	VERB
fsr-3379	377	12	bias	bias	NOUN
fsr-3379	377	13	from	from	ADP
fsr-3379	377	14	the	the	DET
fsr-3379	377	15	right	right	ADJ
fsr-3379	377	16	-	-	PUNCT
fsr-3379	377	17	skewed	skewed	ADJ
fsr-3379	377	18	distribution	distribution	NOUN
fsr-3379	377	19	.	.	PUNCT
fsr-3379	378	1	3	3	NUM
fsr-3379	378	2	financial	financial	ADJ
fsr-3379	378	3	wealth	wealth	NOUN
fsr-3379	378	4	means	mean	VERB
fsr-3379	378	5	the	the	DET
fsr-3379	378	6	net	net	ADJ
fsr-3379	378	7	value	value	NOUN
fsr-3379	378	8	of	of	ADP
fsr-3379	378	9	non	non	ADJ
fsr-3379	378	10	-	-	ADJ
fsr-3379	378	11	housing	housing	ADJ
fsr-3379	378	12	financial	financial	ADJ
fsr-3379	378	13	wealth	wealth	NOUN
fsr-3379	378	14	,	,	PUNCT
fsr-3379	378	15	which	which	PRON
fsr-3379	378	16	is	be	AUX
fsr-3379	378	17	calculated	calculate	VERB
fsr-3379	378	18	as	as	ADP
fsr-3379	378	19	the	the	DET
fsr-3379	378	20	sum	sum	NOUN
fsr-3379	378	21	of	of	ADP
fsr-3379	378	22	stocks	stock	NOUN
fsr-3379	378	23	,	,	PUNCT
fsr-3379	378	24	bonds	bond	NOUN
fsr-3379	378	25	,	,	PUNCT
fsr-3379	378	26	funds	fund	NOUN
fsr-3379	378	27	,	,	PUNCT
fsr-3379	378	28	cds	cd	NOUN
fsr-3379	378	29	,	,	PUNCT
fsr-3379	378	30	checking	check	VERB
fsr-3379	378	31	and	and	CCONJ
fsr-3379	378	32	saving	save	VERB
fsr-3379	378	33	accounts	account	NOUN
fsr-3379	378	34	,	,	PUNCT
fsr-3379	378	35	and	and	CCONJ
fsr-3379	378	36	other	other	ADJ
fsr-3379	378	37	savings	saving	NOUN
fsr-3379	378	38	less	less	ADJ
fsr-3379	378	39	debt	debt	NOUN
fsr-3379	378	40	.	.	PUNCT
fsr-3379	379	1	4	4	NUM
fsr-3379	379	2	occupation	occupation	NOUN
fsr-3379	379	3	salary	salary	NOUN
fsr-3379	379	4	level	level	NOUN
fsr-3379	379	5	was	be	AUX
fsr-3379	379	6	classified	classify	VERB
fsr-3379	379	7	the	the	DET
fsr-3379	379	8	23	23	NUM
fsr-3379	379	9	categories	category	NOUN
fsr-3379	379	10	into	into	ADP
fsr-3379	379	11	four	four	NUM
fsr-3379	379	12	groups	group	NOUN
fsr-3379	379	13	(	(	PUNCT
fsr-3379	379	14	quarterly	quarterly	ADV
fsr-3379	379	15	)	)	PUNCT
fsr-3379	379	16	based	base	VERB
fsr-3379	379	17	on	on	ADP
fsr-3379	379	18	their	their	PRON
fsr-3379	379	19	median	median	ADJ
fsr-3379	379	20	annual	annual	ADJ
fsr-3379	379	21	salary	salary	NOUN
fsr-3379	379	22	at	at	ADP
fsr-3379	379	23	2014	2014	NUM
fsr-3379	379	24	(	(	PUNCT
fsr-3379	379	25	http://www.bls.gov/oes/2014/may/oes_nat.htm	http://www.bls.gov/oes/2014/may/oes_nat.htm	NOUN
fsr-3379	379	26	)	)	PUNCT
fsr-3379	379	27	.	.	PUNCT
fsr-3379	380	1	43h	43h	PROPN
fsr-3379	380	2	.	.	PUNCT
fsr-3379	381	1	kim	kim	PROPN
fsr-3379	381	2	et	et	PROPN
fsr-3379	381	3	al	al	PROPN
fsr-3379	381	4	.	.	PUNCT
fsr-3379	381	5	/	/	SYM
fsr-3379	381	6	financial	financial	ADJ
fsr-3379	381	7	services	service	NOUN
fsr-3379	381	8	review	review	VERB
fsr-3379	381	9	27	27	NUM
fsr-3379	381	10	(	(	PUNCT
fsr-3379	381	11	2018	2018	NUM
fsr-3379	381	12	)	)	PUNCT
fsr-3379	381	13	29	29	NUM
fsr-3379	381	14	-	-	SYM
fsr-3379	381	15	45	45	NUM
fsr-3379	381	16	occupation	occupation	NOUN
fsr-3379	381	17	salary	salary	NOUN
fsr-3379	381	18	is	be	AUX
fsr-3379	381	19	an	an	DET
fsr-3379	381	20	alternative	alternative	ADJ
fsr-3379	381	21	way	way	NOUN
fsr-3379	381	22	to	to	PART
fsr-3379	381	23	control	control	VERB
fsr-3379	381	24	individuals	individual	NOUN
fsr-3379	381	25	’	’	PART
fsr-3379	381	26	lifetime	lifetime	NOUN
fsr-3379	381	27	income	income	NOUN
fsr-3379	381	28	with	with	ADP
fsr-3379	381	29	less	less	ADJ
fsr-3379	381	30	dummy	dummy	ADJ
fsr-3379	381	31	variables	variable	NOUN
fsr-3379	381	32	.	.	PUNCT
fsr-3379	382	1	references	reference	NOUN
fsr-3379	382	2	attanasio	attanasio	NOUN
fsr-3379	382	3	,	,	PUNCT
fsr-3379	382	4	o.	o.	PROPN
fsr-3379	382	5	p.	p.	PROPN
fsr-3379	382	6	,	,	PUNCT
fsr-3379	382	7	&	&	CCONJ
fsr-3379	382	8	weber	weber	PROPN
fsr-3379	382	9	,	,	PUNCT
fsr-3379	382	10	g.	g.	PROPN
fsr-3379	382	11	(	(	PUNCT
fsr-3379	382	12	2010	2010	NUM
fsr-3379	382	13	)	)	PUNCT
fsr-3379	382	14	.	.	PUNCT
fsr-3379	383	1	consumption	consumption	NOUN
fsr-3379	383	2	and	and	CCONJ
fsr-3379	383	3	saving	saving	NOUN
fsr-3379	383	4	:	:	PUNCT
fsr-3379	383	5	models	model	NOUN
fsr-3379	383	6	of	of	ADP
fsr-3379	383	7	intertemporal	intertemporal	ADJ
fsr-3379	383	8	allocation	allocation	NOUN
fsr-3379	383	9	and	and	CCONJ
fsr-3379	383	10	their	their	PRON
fsr-3379	383	11	implications	implication	NOUN
fsr-3379	383	12	for	for	ADP
fsr-3379	383	13	public	public	ADJ
fsr-3379	383	14	policy	policy	NOUN
fsr-3379	383	15	.	.	PUNCT
fsr-3379	384	1	journal	journal	NOUN
fsr-3379	384	2	of	of	ADP
fsr-3379	384	3	economic	economic	ADJ
fsr-3379	384	4	literature	literature	NOUN
fsr-3379	384	5	,	,	PUNCT
fsr-3379	384	6	48	48	NUM
fsr-3379	384	7	,	,	PUNCT
fsr-3379	384	8	693–751	693–751	NUM
fsr-3379	384	9	.	.	PUNCT
fsr-3379	385	1	http://dx.doi.org/10.1257/	http://dx.doi.org/10.1257/	PROPN
fsr-3379	385	2	jel.48.3.693	jel.48.3.693	PROPN
fsr-3379	385	3	azar	azar	PROPN
fsr-3379	385	4	,	,	PUNCT
fsr-3379	385	5	s.	s.	PROPN
fsr-3379	385	6	a.	a.	PROPN
fsr-3379	385	7	(	(	PUNCT
fsr-3379	385	8	2012	2012	NUM
fsr-3379	385	9	)	)	PUNCT
fsr-3379	385	10	.	.	PUNCT
fsr-3379	386	1	on	on	ADP
fsr-3379	386	2	the	the	DET
fsr-3379	386	3	specification	specification	NOUN
fsr-3379	386	4	of	of	ADP
fsr-3379	386	5	the	the	DET
fsr-3379	386	6	asset	asset	NOUN
fsr-3379	386	7	evolution	evolution	NOUN
fsr-3379	386	8	equation	equation	NOUN
fsr-3379	386	9	in	in	ADP
fsr-3379	386	10	consumption	consumption	NOUN
fsr-3379	386	11	models	model	NOUN
fsr-3379	386	12	.	.	PUNCT
fsr-3379	387	1	applied	apply	VERB
fsr-3379	387	2	economics	economic	NOUN
fsr-3379	387	3	letters	letter	NOUN
fsr-3379	387	4	,	,	PUNCT
fsr-3379	387	5	19	19	NUM
fsr-3379	387	6	,	,	PUNCT
fsr-3379	387	7	113–116	113–116	NUM
fsr-3379	387	8	.	.	PUNCT
fsr-3379	388	1	beierlein	beierlein	PROPN
fsr-3379	388	2	,	,	PUNCT
fsr-3379	388	3	j.	j.	PROPN
fsr-3379	388	4	j.	j.	PROPN
fsr-3379	388	5	,	,	PUNCT
fsr-3379	388	6	&	&	CCONJ
fsr-3379	388	7	neverett	neverett	PROPN
fsr-3379	388	8	,	,	PUNCT
fsr-3379	388	9	m.	m.	NOUN
fsr-3379	388	10	(	(	PUNCT
fsr-3379	388	11	2013	2013	NUM
fsr-3379	388	12	)	)	PUNCT
fsr-3379	388	13	.	.	PUNCT
fsr-3379	389	1	who	who	PRON
fsr-3379	389	2	takes	take	VERB
fsr-3379	389	3	personal	personal	ADJ
fsr-3379	389	4	finance	finance	NOUN
fsr-3379	389	5	?	?	PUNCT
fsr-3379	390	1	financial	financial	ADJ
fsr-3379	390	2	services	service	NOUN
fsr-3379	390	3	review	review	PROPN
fsr-3379	390	4	,	,	PUNCT
fsr-3379	390	5	22	22	NUM
fsr-3379	390	6	,	,	PUNCT
fsr-3379	390	7	151–171	151–171	NUM
fsr-3379	390	8	.	.	PUNCT
fsr-3379	391	1	bridges	bridge	NOUN
fsr-3379	391	2	,	,	PUNCT
fsr-3379	391	3	b.	b.	PROPN
fsr-3379	391	4	,	,	PUNCT
fsr-3379	391	5	gesumaria	gesumaria	PROPN
fsr-3379	391	6	,	,	PUNCT
fsr-3379	391	7	r.	r.	PROPN
fsr-3379	391	8	,	,	PUNCT
fsr-3379	391	9	&	&	CCONJ
fsr-3379	391	10	leonesio	leonesio	PROPN
fsr-3379	391	11	,	,	PUNCT
fsr-3379	391	12	m.	m.	NOUN
fsr-3379	391	13	v.	v.	PROPN
fsr-3379	391	14	(	(	PUNCT
fsr-3379	391	15	2010	2010	NUM
fsr-3379	391	16	)	)	PUNCT
fsr-3379	391	17	.	.	PUNCT
fsr-3379	392	1	assessing	assess	VERB
fsr-3379	392	2	the	the	DET
fsr-3379	392	3	performance	performance	NOUN
fsr-3379	392	4	of	of	ADP
fsr-3379	392	5	life	life	NOUN
fsr-3379	392	6	-	-	PUNCT
fsr-3379	392	7	cycle	cycle	NOUN
fsr-3379	392	8	portfolio	portfolio	NOUN
fsr-3379	392	9	allocation	allocation	NOUN
fsr-3379	392	10	strategies	strategy	NOUN
fsr-3379	392	11	for	for	ADP
fsr-3379	392	12	retirement	retirement	NOUN
fsr-3379	392	13	saving	saving	NOUN
fsr-3379	392	14	:	:	PUNCT
fsr-3379	392	15	a	a	DET
fsr-3379	392	16	simulation	simulation	NOUN
fsr-3379	392	17	study	study	NOUN
fsr-3379	392	18	.	.	PUNCT
fsr-3379	393	1	social	social	ADJ
fsr-3379	393	2	security	security	NOUN
fsr-3379	393	3	bulletin	bulletin	NOUN
fsr-3379	393	4	,	,	PUNCT
fsr-3379	393	5	70	70	NUM
fsr-3379	393	6	,	,	PUNCT
fsr-3379	393	7	23–43	23–43	NUM
fsr-3379	393	8	.	.	PUNCT
fsr-3379	394	1	(	(	PUNCT
fsr-3379	394	2	available	available	ADJ
fsr-3379	394	3	at	at	ADP
fsr-3379	394	4	http://www.ssa.gov/policy/docs/ssb/	http://www.ssa.gov/policy/docs/ssb/	NOUN
fsr-3379	394	5	)	)	PUNCT
fsr-3379	394	6	browning	browning	NOUN
fsr-3379	394	7	,	,	PUNCT
fsr-3379	394	8	m.	m.	NOUN
fsr-3379	394	9	,	,	PUNCT
fsr-3379	394	10	&	&	CCONJ
fsr-3379	394	11	crossley	crossley	PROPN
fsr-3379	394	12	,	,	PUNCT
fsr-3379	394	13	t.	t.	PROPN
fsr-3379	394	14	f.	f.	PROPN
fsr-3379	394	15	(	(	PUNCT
fsr-3379	394	16	2001	2001	NUM
fsr-3379	394	17	)	)	PUNCT
fsr-3379	394	18	.	.	PUNCT
fsr-3379	395	1	the	the	DET
fsr-3379	395	2	life	life	NOUN
fsr-3379	395	3	-	-	PUNCT
fsr-3379	395	4	cycle	cycle	NOUN
fsr-3379	395	5	model	model	NOUN
fsr-3379	395	6	of	of	ADP
fsr-3379	395	7	consumption	consumption	NOUN
fsr-3379	395	8	and	and	CCONJ
fsr-3379	395	9	saving	saving	NOUN
fsr-3379	395	10	.	.	PUNCT
fsr-3379	396	1	journal	journal	PROPN
fsr-3379	396	2	of	of	ADP
fsr-3379	396	3	economic	economic	ADJ
fsr-3379	396	4	perspectives	perspective	NOUN
fsr-3379	396	5	,	,	PUNCT
fsr-3379	396	6	15	15	NUM
fsr-3379	396	7	,	,	PUNCT
fsr-3379	396	8	3–22	3–22	PROPN
fsr-3379	396	9	.	.	PUNCT
fsr-3379	397	1	http://dx.doi.org/10.1257/jep.15.3.3	http://dx.doi.org/10.1257/jep.15.3.3	PROPN
fsr-3379	397	2	carnevale	carnevale	NOUN
fsr-3379	397	3	,	,	PUNCT
fsr-3379	397	4	a.	a.	NOUN
fsr-3379	397	5	p.	p.	NOUN
fsr-3379	397	6	,	,	PUNCT
fsr-3379	397	7	rose	rise	VERB
fsr-3379	397	8	,	,	PUNCT
fsr-3379	397	9	s.	s.	PROPN
fsr-3379	397	10	j.	j.	PROPN
fsr-3379	397	11	,	,	PUNCT
fsr-3379	397	12	&	&	CCONJ
fsr-3379	397	13	cheah	cheah	PROPN
fsr-3379	397	14	,	,	PUNCT
fsr-3379	397	15	b.	b.	PROPN
fsr-3379	397	16	(	(	PUNCT
fsr-3379	397	17	2011	2011	NUM
fsr-3379	397	18	)	)	PUNCT
fsr-3379	397	19	.	.	PUNCT
fsr-3379	398	1	the	the	DET
fsr-3379	398	2	college	college	NOUN
fsr-3379	398	3	payoff	payoff	NOUN
fsr-3379	398	4	:	:	PUNCT
fsr-3379	398	5	education	education	NOUN
fsr-3379	398	6	,	,	PUNCT
fsr-3379	398	7	occupations	occupation	NOUN
fsr-3379	398	8	,	,	PUNCT
fsr-3379	398	9	lifetime	lifetime	NOUN
fsr-3379	398	10	earnings	earning	NOUN
fsr-3379	398	11	.	.	PUNCT
fsr-3379	399	1	technical	technical	ADJ
fsr-3379	399	2	report	report	NOUN
fsr-3379	399	3	.	.	PUNCT
fsr-3379	400	1	(	(	PUNCT
fsr-3379	400	2	available	available	ADJ
fsr-3379	400	3	at	at	ADP
fsr-3379	400	4	https://repository.library.georgetown.edu/bitstream/handle/10822/559300/collegepayoff-complete.pdf?sequence�1	https://repository.library.georgetown.edu/bitstream/handle/10822/559300/collegepayoff-complete.pdf?sequence�1	NOUN
fsr-3379	400	5	)	)	PUNCT
fsr-3379	400	6	copeland	copeland	PROPN
fsr-3379	400	7	,	,	PUNCT
fsr-3379	400	8	c.	c.	PROPN
fsr-3379	400	9	(	(	PUNCT
fsr-3379	400	10	2010	2010	NUM
fsr-3379	400	11	)	)	PUNCT
fsr-3379	400	12	.	.	PUNCT
fsr-3379	401	1	employee	employee	NOUN
fsr-3379	401	2	tenure	tenure	NOUN
fsr-3379	401	3	trend	trend	NOUN
fsr-3379	401	4	lines	line	NOUN
fsr-3379	401	5	,	,	PUNCT
fsr-3379	401	6	1983–2010	1983–2010	NUM
fsr-3379	401	7	.	.	PUNCT
fsr-3379	402	1	employee	employee	NOUN
fsr-3379	402	2	benefit	benefit	PROPN
fsr-3379	402	3	research	research	PROPN
fsr-3379	402	4	institute	institute	PROPN
fsr-3379	402	5	.	.	PUNCT
fsr-3379	403	1	(	(	PUNCT
fsr-3379	403	2	available	available	ADJ
fsr-3379	403	3	at	at	ADP
fsr-3379	403	4	https://www.ebri.org/pdf/notespdf/ebri_notes_12-dec10.tenure-cehcs.pdf	https://www.ebri.org/pdf/notespdf/ebri_notes_12-dec10.tenure-cehcs.pdf	PROPN
fsr-3379	403	5	)	)	PUNCT
fsr-3379	403	6	davis	davis	PROPN
fsr-3379	403	7	,	,	PUNCT
fsr-3379	403	8	a.	a.	PROPN
fsr-3379	403	9	,	,	PUNCT
fsr-3379	403	10	kimball	kimball	PROPN
fsr-3379	403	11	,	,	PUNCT
fsr-3379	403	12	w.	w.	PROPN
fsr-3379	403	13	,	,	PUNCT
fsr-3379	403	14	&	&	CCONJ
fsr-3379	403	15	gould	gould	PROPN
fsr-3379	403	16	,	,	PUNCT
fsr-3379	403	17	e.	e.	PROPN
fsr-3379	403	18	(	(	PUNCT
fsr-3379	403	19	2015	2015	NUM
fsr-3379	403	20	)	)	PUNCT
fsr-3379	403	21	.	.	PUNCT
fsr-3379	404	1	the	the	DET
fsr-3379	404	2	class	class	NOUN
fsr-3379	404	3	of	of	ADP
fsr-3379	404	4	2015	2015	NUM
fsr-3379	404	5	:	:	PUNCT
fsr-3379	404	6	despite	despite	SCONJ
fsr-3379	404	7	an	an	DET
fsr-3379	404	8	improving	improve	VERB
fsr-3379	404	9	economy	economy	NOUN
fsr-3379	404	10	,	,	PUNCT
fsr-3379	404	11	young	young	ADJ
fsr-3379	404	12	grads	grad	NOUN
fsr-3379	404	13	still	still	ADV
fsr-3379	404	14	face	face	VERB
fsr-3379	404	15	an	an	DET
fsr-3379	404	16	uphill	uphill	ADJ
fsr-3379	404	17	climb	climb	NOUN
fsr-3379	404	18	.	.	PUNCT
fsr-3379	405	1	economic	economic	ADJ
fsr-3379	405	2	policy	policy	NOUN
fsr-3379	405	3	institute	institute	NOUN
fsr-3379	405	4	.	.	PUNCT
fsr-3379	406	1	(	(	PUNCT
fsr-3379	406	2	available	available	ADJ
fsr-3379	406	3	at	at	ADP
fsr-3379	406	4	http://www.epi.org/publication/the-class-of2015/	http://www.epi.org/publication/the-class-of2015/	SYM
fsr-3379	406	5	)	)	PUNCT
fsr-3379	407	1	deaton	deaton	PROPN
fsr-3379	407	2	,	,	PUNCT
fsr-3379	407	3	a.	a.	PROPN
fsr-3379	407	4	,	,	PUNCT
fsr-3379	407	5	&	&	CCONJ
fsr-3379	407	6	paxson	paxson	PROPN
fsr-3379	407	7	,	,	PUNCT
fsr-3379	407	8	c.	c.	PROPN
fsr-3379	407	9	(	(	PUNCT
fsr-3379	407	10	2000	2000	NUM
fsr-3379	407	11	)	)	PUNCT
fsr-3379	407	12	.	.	PUNCT
fsr-3379	408	1	growth	growth	NOUN
fsr-3379	408	2	and	and	CCONJ
fsr-3379	408	3	saving	save	VERB
fsr-3379	408	4	among	among	ADP
fsr-3379	408	5	individuals	individual	NOUN
fsr-3379	408	6	and	and	CCONJ
fsr-3379	408	7	households	household	NOUN
fsr-3379	408	8	.	.	PUNCT
fsr-3379	409	1	the	the	DET
fsr-3379	409	2	review	review	NOUN
fsr-3379	409	3	of	of	ADP
fsr-3379	409	4	economics	economic	NOUN
fsr-3379	409	5	and	and	CCONJ
fsr-3379	409	6	statistics	statistic	NOUN
fsr-3379	409	7	,	,	PUNCT
fsr-3379	409	8	82	82	NUM
fsr-3379	409	9	,	,	PUNCT
fsr-3379	409	10	212–225	212–225	NUM
fsr-3379	409	11	.	.	PUNCT
fsr-3379	409	12	di	di	PROPN
fsr-3379	409	13	,	,	PUNCT
fsr-3379	409	14	z.	z.	PROPN
fsr-3379	409	15	x.	x.	PROPN
fsr-3379	409	16	,	,	PUNCT
fsr-3379	409	17	belsky	belsky	PROPN
fsr-3379	409	18	,	,	PUNCT
fsr-3379	409	19	e.	e.	PROPN
fsr-3379	409	20	,	,	PUNCT
fsr-3379	409	21	&	&	CCONJ
fsr-3379	409	22	liu	liu	PROPN
fsr-3379	409	23	,	,	PUNCT
fsr-3379	409	24	x.	x.	NOUN
fsr-3379	409	25	(	(	PUNCT
fsr-3379	409	26	2007	2007	NUM
fsr-3379	409	27	)	)	PUNCT
fsr-3379	409	28	.	.	PUNCT
fsr-3379	410	1	do	do	AUX
fsr-3379	410	2	homeowners	homeowner	NOUN
fsr-3379	410	3	achieve	achieve	VERB
fsr-3379	410	4	more	more	ADJ
fsr-3379	410	5	household	household	NOUN
fsr-3379	410	6	wealth	wealth	NOUN
fsr-3379	410	7	in	in	ADP
fsr-3379	410	8	the	the	DET
fsr-3379	410	9	long	long	ADJ
fsr-3379	410	10	run	run	NOUN
fsr-3379	410	11	?	?	PUNCT
fsr-3379	411	1	journal	journal	NOUN
fsr-3379	411	2	of	of	ADP
fsr-3379	411	3	housing	housing	NOUN
fsr-3379	411	4	economics	economic	NOUN
fsr-3379	411	5	,	,	PUNCT
fsr-3379	411	6	16	16	NUM
fsr-3379	411	7	,	,	PUNCT
fsr-3379	411	8	274–290	274–290	NUM
fsr-3379	411	9	.	.	PUNCT
fsr-3379	412	1	dornbusch	dornbusch	PROPN
fsr-3379	412	2	,	,	PUNCT
fsr-3379	412	3	r.	r.	PROPN
fsr-3379	412	4	,	,	PUNCT
fsr-3379	412	5	fischer	fischer	PROPN
fsr-3379	412	6	,	,	PUNCT
fsr-3379	412	7	s.	s.	PROPN
fsr-3379	412	8	,	,	PUNCT
fsr-3379	412	9	&	&	CCONJ
fsr-3379	412	10	startz	startz	PROPN
fsr-3379	412	11	,	,	PUNCT
fsr-3379	412	12	r.	r.	PROPN
fsr-3379	412	13	(	(	PUNCT
fsr-3379	412	14	1994	1994	NUM
fsr-3379	412	15	)	)	PUNCT
fsr-3379	412	16	.	.	PUNCT
fsr-3379	413	1	macroeconomics	macroeconomic	NOUN
fsr-3379	413	2	.	.	PUNCT
fsr-3379	414	1	new	new	PROPN
fsr-3379	414	2	york	york	PROPN
fsr-3379	414	3	,	,	PUNCT
fsr-3379	414	4	ny	ny	PROPN
fsr-3379	414	5	:	:	PUNCT
fsr-3379	414	6	mcgraw	mcgraw	PROPN
fsr-3379	414	7	hill	hill	PROPN
fsr-3379	414	8	.	.	PUNCT
fsr-3379	415	1	economic	economic	ADJ
fsr-3379	415	2	policy	policy	NOUN
fsr-3379	415	3	institute	institute	NOUN
fsr-3379	415	4	.	.	PUNCT
fsr-3379	416	1	(	(	PUNCT
fsr-3379	416	2	2017	2017	NUM
fsr-3379	416	3	)	)	PUNCT
fsr-3379	416	4	.	.	PUNCT
fsr-3379	417	1	the	the	DET
fsr-3379	417	2	state	state	NOUN
fsr-3379	417	3	of	of	ADP
fsr-3379	417	4	working	working	PROPN
fsr-3379	417	5	america	america	PROPN
fsr-3379	417	6	:	:	PUNCT
fsr-3379	417	7	both	both	DET
fsr-3379	417	8	genders	gender	NOUN
fsr-3379	417	9	suffer	suffer	VERB
fsr-3379	417	10	from	from	ADP
fsr-3379	417	11	sustained	sustained	ADJ
fsr-3379	417	12	high	high	ADJ
fsr-3379	417	13	underemployment	underemployment	NOUN
fsr-3379	417	14	.	.	PUNCT
fsr-3379	418	1	(	(	PUNCT
fsr-3379	418	2	available	available	ADJ
fsr-3379	418	3	at	at	ADP
fsr-3379	418	4	http://www.stateofworkingamerica.org/charts/underemployment-gender/	http://www.stateofworkingamerica.org/charts/underemployment-gender/	NOUN
fsr-3379	418	5	)	)	PUNCT
fsr-3379	418	6	employee	employee	NOUN
fsr-3379	418	7	benefit	benefit	NOUN
fsr-3379	418	8	research	research	PROPN
fsr-3379	418	9	institute	institute	NOUN
fsr-3379	418	10	.	.	PUNCT
fsr-3379	419	1	(	(	PUNCT
fsr-3379	419	2	2003	2003	NUM
fsr-3379	419	3	)	)	PUNCT
fsr-3379	419	4	.	.	PUNCT
fsr-3379	420	1	the	the	DET
fsr-3379	420	2	2003	2003	NUM
fsr-3379	420	3	minority	minority	NOUN
fsr-3379	420	4	retirement	retirement	NOUN
fsr-3379	420	5	confidence	confidence	NOUN
fsr-3379	420	6	survey	survey	NOUN
fsr-3379	420	7	:	:	PUNCT
fsr-3379	420	8	summary	summary	NOUN
fsr-3379	420	9	of	of	ADP
fsr-3379	420	10	findings	finding	NOUN
fsr-3379	420	11	.	.	PUNCT
fsr-3379	421	1	retrieved	retrieve	VERB
fsr-3379	421	2	from	from	ADP
fsr-3379	421	3	https://www.ebri.org/surveys/rcs/2003/	https://www.ebri.org/surveys/rcs/2003/	PROPN
fsr-3379	421	4	employee	employee	NOUN
fsr-3379	421	5	benefit	benefit	NOUN
fsr-3379	421	6	research	research	PROPN
fsr-3379	421	7	institute	institute	NOUN
fsr-3379	421	8	.	.	PUNCT
fsr-3379	422	1	(	(	PUNCT
fsr-3379	422	2	2007	2007	NUM
fsr-3379	422	3	)	)	PUNCT
fsr-3379	422	4	.	.	PUNCT
fsr-3379	423	1	history	history	NOUN
fsr-3379	423	2	of	of	ADP
fsr-3379	423	3	401(k	401(k	PROPN
fsr-3379	423	4	)	)	PUNCT
fsr-3379	423	5	plans	plan	NOUN
fsr-3379	423	6	:	:	PUNCT
fsr-3379	423	7	an	an	DET
fsr-3379	423	8	update	update	NOUN
fsr-3379	423	9	.	.	PUNCT
fsr-3379	424	1	(	(	PUNCT
fsr-3379	424	2	available	available	ADJ
fsr-3379	424	3	at	at	ADP
fsr-3379	424	4	https://www	https://www	PROPN
fsr-3379	424	5	.	.	PUNCT
fsr-3379	425	1	ebri.org/pdf/publications/facts/0907facts.pdf	ebri.org/pdf/publications/facts/0907facts.pdf	PROPN
fsr-3379	425	2	)	)	PUNCT
fsr-3379	425	3	friedman	friedman	NOUN
fsr-3379	425	4	,	,	PUNCT
fsr-3379	425	5	m.	m.	NOUN
fsr-3379	425	6	(	(	PUNCT
fsr-3379	425	7	1957	1957	NUM
fsr-3379	425	8	)	)	PUNCT
fsr-3379	425	9	.	.	PUNCT
fsr-3379	426	1	a	a	DET
fsr-3379	426	2	theory	theory	NOUN
fsr-3379	426	3	of	of	ADP
fsr-3379	426	4	the	the	DET
fsr-3379	426	5	consumption	consumption	NOUN
fsr-3379	426	6	function	function	NOUN
fsr-3379	426	7	.	.	PUNCT
fsr-3379	427	1	princeton	princeton	PROPN
fsr-3379	427	2	,	,	PUNCT
fsr-3379	427	3	nj	nj	PROPN
fsr-3379	427	4	:	:	PUNCT
fsr-3379	427	5	princeton	princeton	PROPN
fsr-3379	427	6	university	university	PROPN
fsr-3379	427	7	press	press	NOUN
fsr-3379	427	8	.	.	PUNCT
fsr-3379	428	1	garman	garman	PROPN
fsr-3379	428	2	,	,	PUNCT
fsr-3379	428	3	t.	t.	PROPN
fsr-3379	428	4	,	,	PUNCT
fsr-3379	428	5	&	&	CCONJ
fsr-3379	428	6	forgue	forgue	PROPN
fsr-3379	428	7	,	,	PUNCT
fsr-3379	428	8	r.	r.	PROPN
fsr-3379	428	9	(	(	PUNCT
fsr-3379	428	10	2015	2015	NUM
fsr-3379	428	11	)	)	PUNCT
fsr-3379	428	12	.	.	PUNCT
fsr-3379	429	1	personal	personal	ADJ
fsr-3379	429	2	finance	finance	NOUN
fsr-3379	429	3	.	.	PUNCT
fsr-3379	430	1	boston	boston	PROPN
fsr-3379	430	2	,	,	PUNCT
fsr-3379	430	3	ma	ma	PROPN
fsr-3379	430	4	:	:	PUNCT
fsr-3379	430	5	cengage	cengage	PROPN
fsr-3379	430	6	learning	learning	PROPN
fsr-3379	430	7	.	.	PUNCT
fsr-3379	431	1	harrington	harrington	PROPN
fsr-3379	431	2	,	,	PUNCT
fsr-3379	431	3	c.	c.	PROPN
fsr-3379	431	4	,	,	PUNCT
fsr-3379	431	5	&	&	CCONJ
fsr-3379	431	6	smith	smith	PROPN
fsr-3379	431	7	,	,	PUNCT
fsr-3379	431	8	w.	w.	PROPN
fsr-3379	431	9	(	(	PUNCT
fsr-3379	431	10	2016	2016	NUM
fsr-3379	431	11	)	)	PUNCT
fsr-3379	431	12	.	.	PUNCT
fsr-3379	432	1	college	college	NOUN
fsr-3379	432	2	student	student	NOUN
fsr-3379	432	3	interest	interest	NOUN
fsr-3379	432	4	in	in	ADP
fsr-3379	432	5	personal	personal	ADJ
fsr-3379	432	6	finance	finance	NOUN
fsr-3379	432	7	education	education	NOUN
fsr-3379	432	8	.	.	PUNCT
fsr-3379	433	1	financial	financial	ADJ
fsr-3379	433	2	services	service	NOUN
fsr-3379	433	3	review	review	PROPN
fsr-3379	433	4	,	,	PUNCT
fsr-3379	433	5	25	25	NUM
fsr-3379	433	6	,	,	PUNCT
fsr-3379	433	7	351–372	351–372	NUM
fsr-3379	433	8	.	.	PUNCT
fsr-3379	433	9	hrs	hrs	NOUN
fsr-3379	433	10	.	.	PUNCT
fsr-3379	434	1	(	(	PUNCT
fsr-3379	434	2	2011	2011	NUM
fsr-3379	434	3	)	)	PUNCT
fsr-3379	434	4	.	.	PUNCT
fsr-3379	435	1	updates	update	NOUN
fsr-3379	435	2	to	to	ADP
fsr-3379	435	3	hrs	hrs	VERB
fsr-3379	435	4	sample	sample	NOUN
fsr-3379	435	5	weights	weight	NOUN
fsr-3379	435	6	.	.	PUNCT
fsr-3379	436	1	(	(	PUNCT
fsr-3379	436	2	available	available	ADJ
fsr-3379	436	3	at	at	ADP
fsr-3379	436	4	https://hrs.isr.umich.edu/sites/default/files/biblio/	https://hrs.isr.umich.edu/sites/default/files/biblio/	PROPN
fsr-3379	436	5	dr-013.pdf	dr-013.pdf	NOUN
fsr-3379	436	6	)	)	PUNCT
fsr-3379	436	7	insured	insure	VERB
fsr-3379	436	8	retirement	retirement	PROPN
fsr-3379	436	9	institute	institute	PROPN
fsr-3379	436	10	.	.	PUNCT
fsr-3379	437	1	(	(	PUNCT
fsr-3379	437	2	2015	2015	NUM
fsr-3379	437	3	)	)	PUNCT
fsr-3379	437	4	.	.	PUNCT
fsr-3379	438	1	baby	baby	NOUN
fsr-3379	438	2	boomers	boomer	NOUN
fsr-3379	438	3	and	and	CCONJ
fsr-3379	438	4	retirement	retirement	NOUN
fsr-3379	438	5	planning	planning	NOUN
fsr-3379	438	6	strategy	strategy	NOUN
fsr-3379	438	7	.	.	PUNCT
fsr-3379	439	1	(	(	PUNCT
fsr-3379	439	2	available	available	ADJ
fsr-3379	439	3	at	at	ADP
fsr-3379	439	4	https://	https://	PROPN
fsr-3379	439	5	www.myirionline.org/docs/default-source/research/boomerstrategyoct2015.pdf?sfvrsn�2	www.myirionline.org/docs/default-source/research/boomerstrategyoct2015.pdf?sfvrsn�2	NOUN
fsr-3379	439	6	)	)	PUNCT
fsr-3379	439	7	kadlec	kadlec	PROPN
fsr-3379	439	8	,	,	PUNCT
fsr-3379	439	9	d.	d.	PROPN
fsr-3379	439	10	(	(	PUNCT
fsr-3379	439	11	2012	2012	NUM
fsr-3379	439	12	,	,	PUNCT
fsr-3379	439	13	july	july	PROPN
fsr-3379	439	14	17	17	NUM
fsr-3379	439	15	)	)	PUNCT
fsr-3379	439	16	.	.	PUNCT
fsr-3379	440	1	retirement	retirement	NOUN
fsr-3379	440	2	savings	saving	NOUN
fsr-3379	440	3	:	:	PUNCT
fsr-3379	440	4	11	11	NUM
fsr-3379	440	5	times	time	NOUN
fsr-3379	440	6	final	final	ADJ
fsr-3379	440	7	pay	pay	NOUN
fsr-3379	440	8	is	be	AUX
fsr-3379	440	9	the	the	DET
fsr-3379	440	10	new	new	ADJ
fsr-3379	440	11	target	target	NOUN
fsr-3379	440	12	.	.	PUNCT
fsr-3379	441	1	time	time	NOUN
fsr-3379	441	2	.	.	PUNCT
fsr-3379	442	1	(	(	PUNCT
fsr-3379	442	2	available	available	ADJ
fsr-3379	442	3	at	at	ADP
fsr-3379	442	4	http://business.time.com/2012/07/17/retirement-savings-11-times-final-pay-is-the-new-target/	http://business.time.com/2012/07/17/retirement-savings-11-times-final-pay-is-the-new-target/	NOUN
fsr-3379	442	5	)	)	PUNCT
fsr-3379	442	6	kamenov	kamenov	PROPN
fsr-3379	442	7	,	,	PUNCT
fsr-3379	442	8	a.	a.	NOUN
fsr-3379	442	9	(	(	PUNCT
fsr-3379	442	10	2016	2016	NUM
fsr-3379	442	11	,	,	PUNCT
fsr-3379	442	12	june	june	PROPN
fsr-3379	442	13	29	29	NUM
fsr-3379	442	14	)	)	PUNCT
fsr-3379	442	15	.	.	PUNCT
fsr-3379	443	1	how	how	SCONJ
fsr-3379	443	2	hard	hard	ADV
fsr-3379	443	3	is	be	AUX
fsr-3379	443	4	it	it	PRON
fsr-3379	443	5	to	to	PART
fsr-3379	443	6	enter	enter	VERB
fsr-3379	443	7	the	the	DET
fsr-3379	443	8	job	job	NOUN
fsr-3379	443	9	market	market	NOUN
fsr-3379	443	10	?	?	PUNCT
fsr-3379	444	1	city	city	NOUN
fsr-3379	444	2	-	-	PUNCT
fsr-3379	444	3	data	data	PROPN
fsr-3379	444	4	.	.	PUNCT
fsr-3379	445	1	(	(	PUNCT
fsr-3379	445	2	available	available	ADJ
fsr-3379	445	3	at	at	ADP
fsr-3379	445	4	http://www	http://www	PROPN
fsr-3379	445	5	.	.	PUNCT
fsr-3379	445	6	city-data.com/blog/2456-hard-enter-job-market/	city-data.com/blog/2456-hard-enter-job-market/	PROPN
fsr-3379	445	7	)	)	PUNCT
fsr-3379	445	8	kennedy	kennedy	PROPN
fsr-3379	445	9	,	,	PUNCT
fsr-3379	445	10	d.	d.	PROPN
fsr-3379	445	11	g.	g.	PROPN
fsr-3379	445	12	(	(	PUNCT
fsr-3379	445	13	2004	2004	NUM
fsr-3379	445	14	,	,	PUNCT
fsr-3379	445	15	june	june	PROPN
fsr-3379	445	16	1	1	NUM
fsr-3379	445	17	)	)	PUNCT
fsr-3379	445	18	.	.	PUNCT
fsr-3379	446	1	eureka	eureka	PROPN
fsr-3379	446	2	!	!	PUNCT
fsr-3379	447	1	american	american	ADJ
fsr-3379	447	2	demographics	demographics	PROPN
fsr-3379	447	3	.	.	PUNCT
fsr-3379	448	1	(	(	PUNCT
fsr-3379	448	2	available	available	ADJ
fsr-3379	448	3	at	at	ADP
fsr-3379	448	4	http://adage.com/article/americandemographics/eureka/44994/	http://adage.com/article/americandemographics/eureka/44994/	NOUN
fsr-3379	448	5	)	)	PUNCT
fsr-3379	448	6	44	44	NUM
fsr-3379	448	7	h.	h.	PROPN
fsr-3379	448	8	kim	kim	PROPN
fsr-3379	448	9	et	et	PROPN
fsr-3379	448	10	al	al	PROPN
fsr-3379	448	11	.	.	PUNCT
fsr-3379	448	12	/	/	SYM
fsr-3379	448	13	financial	financial	ADJ
fsr-3379	448	14	services	service	NOUN
fsr-3379	448	15	review	review	VERB
fsr-3379	448	16	27	27	NUM
fsr-3379	448	17	(	(	PUNCT
fsr-3379	448	18	2018	2018	NUM
fsr-3379	448	19	)	)	PUNCT
fsr-3379	448	20	29	29	NUM
fsr-3379	448	21	-	-	SYM
fsr-3379	448	22	45	45	NUM
fsr-3379	448	23	lusardi	lusardi	NOUN
fsr-3379	448	24	,	,	PUNCT
fsr-3379	448	25	a.	a.	PROPN
fsr-3379	448	26	,	,	PUNCT
fsr-3379	448	27	&	&	CCONJ
fsr-3379	448	28	mitchell	mitchell	PROPN
fsr-3379	448	29	,	,	PUNCT
fsr-3379	448	30	o.	o.	PROPN
fsr-3379	448	31	s.	s.	PROPN
fsr-3379	448	32	(	(	PUNCT
fsr-3379	448	33	2007	2007	NUM
fsr-3379	448	34	)	)	PUNCT
fsr-3379	448	35	.	.	PUNCT
fsr-3379	449	1	baby	baby	NOUN
fsr-3379	449	2	boomer	boomer	PROPN
fsr-3379	449	3	retirement	retirement	PROPN
fsr-3379	449	4	security	security	PROPN
fsr-3379	449	5	:	:	PUNCT
fsr-3379	449	6	the	the	DET
fsr-3379	449	7	roles	role	NOUN
fsr-3379	449	8	of	of	ADP
fsr-3379	449	9	planning	planning	NOUN
fsr-3379	449	10	,	,	PUNCT
fsr-3379	449	11	financial	financial	ADJ
fsr-3379	449	12	literacy	literacy	NOUN
fsr-3379	449	13	,	,	PUNCT
fsr-3379	449	14	and	and	CCONJ
fsr-3379	449	15	housing	housing	NOUN
fsr-3379	449	16	wealth	wealth	NOUN
fsr-3379	449	17	.	.	PUNCT
fsr-3379	450	1	journal	journal	PROPN
fsr-3379	450	2	of	of	ADP
fsr-3379	450	3	monetary	monetary	ADJ
fsr-3379	450	4	economics	economic	NOUN
fsr-3379	450	5	,	,	PUNCT
fsr-3379	450	6	54	54	NUM
fsr-3379	450	7	,	,	PUNCT
fsr-3379	450	8	205–224	205–224	NUM
fsr-3379	450	9	.	.	PUNCT
fsr-3379	451	1	markowitz	markowitz	PROPN
fsr-3379	451	2	,	,	PUNCT
fsr-3379	451	3	h.	h.	PROPN
fsr-3379	451	4	(	(	PUNCT
fsr-3379	451	5	1952	1952	NUM
fsr-3379	451	6	)	)	PUNCT
fsr-3379	451	7	.	.	PUNCT
fsr-3379	452	1	portfolio	portfolio	NOUN
fsr-3379	452	2	selection	selection	NOUN
fsr-3379	452	3	.	.	PUNCT
fsr-3379	453	1	the	the	DET
fsr-3379	453	2	journal	journal	PROPN
fsr-3379	453	3	of	of	ADP
fsr-3379	453	4	finance	finance	NOUN
fsr-3379	453	5	,	,	PUNCT
fsr-3379	453	6	7	7	NUM
fsr-3379	453	7	,	,	PUNCT
fsr-3379	453	8	77–91	77–91	NUM
fsr-3379	453	9	.	.	PUNCT
fsr-3379	454	1	http://dx.doi.org/10.2307/2975974	http://dx.doi.org/10.2307/2975974	PROPN
fsr-3379	454	2	modigliani	modigliani	PROPN
fsr-3379	454	3	,	,	PUNCT
fsr-3379	454	4	f.	f.	PROPN
fsr-3379	454	5	,	,	PUNCT
fsr-3379	454	6	&	&	CCONJ
fsr-3379	454	7	brumberg	brumberg	PROPN
fsr-3379	454	8	,	,	PUNCT
fsr-3379	454	9	r.	r.	PROPN
fsr-3379	454	10	(	(	PUNCT
fsr-3379	454	11	1954	1954	NUM
fsr-3379	454	12	)	)	PUNCT
fsr-3379	454	13	.	.	PUNCT
fsr-3379	455	1	utility	utility	NOUN
fsr-3379	455	2	analysis	analysis	NOUN
fsr-3379	455	3	and	and	CCONJ
fsr-3379	455	4	the	the	DET
fsr-3379	455	5	consumption	consumption	NOUN
fsr-3379	455	6	function	function	NOUN
fsr-3379	455	7	:	:	PUNCT
fsr-3379	455	8	an	an	DET
fsr-3379	455	9	interpretation	interpretation	NOUN
fsr-3379	455	10	of	of	ADP
fsr-3379	455	11	cross	cross	ADJ
fsr-3379	455	12	-	-	ADJ
fsr-3379	455	13	section	section	ADJ
fsr-3379	455	14	data	datum	NOUN
fsr-3379	455	15	.	.	PUNCT
fsr-3379	456	1	in	in	ADP
fsr-3379	456	2	kurihara	kurihara	PROPN
fsr-3379	456	3	,	,	PUNCT
fsr-3379	456	4	k.	k.	PROPN
fsr-3379	456	5	k.	k.	PROPN
fsr-3379	457	1	post	post	ADJ
fsr-3379	457	2	-	-	ADJ
fsr-3379	457	3	keynesian	keynesian	ADJ
fsr-3379	457	4	economics	economic	NOUN
fsr-3379	457	5	(	(	PUNCT
fsr-3379	457	6	pp	pp	ADJ
fsr-3379	457	7	.	.	PUNCT
fsr-3379	458	1	388–436	388–436	NUM
fsr-3379	458	2	)	)	PUNCT
fsr-3379	458	3	.	.	PUNCT
fsr-3379	459	1	new	new	PROPN
fsr-3379	459	2	brunswick	brunswick	PROPN
fsr-3379	459	3	,	,	PUNCT
fsr-3379	459	4	nj	nj	PROPN
fsr-3379	459	5	:	:	PUNCT
fsr-3379	459	6	rutgers	rutgers	PROPN
fsr-3379	459	7	university	university	PROPN
fsr-3379	459	8	press	press	NOUN
fsr-3379	459	9	.	.	PUNCT
fsr-3379	460	1	munnell	munnell	PROPN
fsr-3379	460	2	,	,	PUNCT
fsr-3379	460	3	a.	a.	PROPN
fsr-3379	460	4	h.	h.	PROPN
fsr-3379	460	5	,	,	PUNCT
fsr-3379	460	6	webb	webb	PROPN
fsr-3379	460	7	,	,	PUNCT
fsr-3379	460	8	a.	a.	PROPN
fsr-3379	460	9	,	,	PUNCT
fsr-3379	460	10	&	&	CCONJ
fsr-3379	460	11	hou	hou	PROPN
fsr-3379	460	12	,	,	PUNCT
fsr-3379	460	13	w.	w.	PROPN
fsr-3379	460	14	(	(	PUNCT
fsr-3379	460	15	2014	2014	NUM
fsr-3379	460	16	)	)	PUNCT
fsr-3379	460	17	.	.	PUNCT
fsr-3379	461	1	how	how	SCONJ
fsr-3379	461	2	much	much	ADV
fsr-3379	461	3	should	should	AUX
fsr-3379	461	4	people	people	NOUN
fsr-3379	461	5	save	save	VERB
fsr-3379	461	6	?	?	PUNCT
fsr-3379	462	1	center	center	NOUN
fsr-3379	462	2	for	for	ADP
fsr-3379	462	3	retirement	retirement	NOUN
fsr-3379	462	4	research	research	NOUN
fsr-3379	462	5	at	at	ADP
fsr-3379	462	6	boston	boston	PROPN
fsr-3379	462	7	college	college	PROPN
fsr-3379	462	8	.	.	PUNCT
fsr-3379	463	1	(	(	PUNCT
fsr-3379	463	2	available	available	ADJ
fsr-3379	463	3	at	at	ADP
fsr-3379	463	4	http://crr.bc.edu/wp-content/uploads/2014/07/ib_14-11.pdf	http://crr.bc.edu/wp-content/uploads/2014/07/ib_14-11.pdf	PROPN
fsr-3379	463	5	)	)	PUNCT
fsr-3379	463	6	oliver	oliver	PROPN
fsr-3379	463	7	,	,	PUNCT
fsr-3379	463	8	m.	m.	PROPN
fsr-3379	463	9	l.	l.	PROPN
fsr-3379	463	10	,	,	PUNCT
fsr-3379	463	11	&	&	CCONJ
fsr-3379	463	12	shapiro	shapiro	PROPN
fsr-3379	463	13	,	,	PUNCT
fsr-3379	463	14	t.	t.	NOUN
fsr-3379	463	15	m.	m.	NOUN
fsr-3379	463	16	(	(	PUNCT
fsr-3379	463	17	2006	2006	NUM
fsr-3379	463	18	)	)	PUNCT
fsr-3379	463	19	.	.	PUNCT
fsr-3379	464	1	black	black	ADJ
fsr-3379	464	2	wealth	wealth	NOUN
fsr-3379	464	3	/	/	SYM
fsr-3379	464	4	white	white	ADJ
fsr-3379	464	5	wealth	wealth	NOUN
fsr-3379	464	6	:	:	PUNCT
fsr-3379	464	7	a	a	DET
fsr-3379	464	8	new	new	ADJ
fsr-3379	464	9	perspective	perspective	NOUN
fsr-3379	464	10	on	on	ADP
fsr-3379	464	11	racial	racial	ADJ
fsr-3379	464	12	inequality	inequality	NOUN
fsr-3379	464	13	.	.	PUNCT
fsr-3379	465	1	new	new	PROPN
fsr-3379	465	2	york	york	PROPN
fsr-3379	465	3	,	,	PUNCT
fsr-3379	465	4	ny	ny	PROPN
fsr-3379	465	5	:	:	PUNCT
fsr-3379	465	6	routledge	routledge	PROPN
fsr-3379	465	7	.	.	PUNCT
fsr-3379	465	8	poterba	poterba	PROPN
fsr-3379	465	9	,	,	PUNCT
fsr-3379	465	10	j.	j.	PROPN
fsr-3379	465	11	,	,	PUNCT
fsr-3379	465	12	rauh	rauh	PROPN
fsr-3379	465	13	,	,	PUNCT
fsr-3379	465	14	j.	j.	PROPN
fsr-3379	465	15	,	,	PUNCT
fsr-3379	465	16	venti	venti	PROPN
fsr-3379	465	17	,	,	PUNCT
fsr-3379	465	18	s.	s.	PROPN
fsr-3379	465	19	,	,	PUNCT
fsr-3379	465	20	&	&	CCONJ
fsr-3379	465	21	wise	wise	PROPN
fsr-3379	465	22	,	,	PUNCT
fsr-3379	465	23	d.	d.	PROPN
fsr-3379	465	24	(	(	PUNCT
fsr-3379	465	25	2003	2003	NUM
fsr-3379	465	26	)	)	PUNCT
fsr-3379	465	27	.	.	PUNCT
fsr-3379	466	1	utility	utility	NOUN
fsr-3379	466	2	evaluation	evaluation	NOUN
fsr-3379	466	3	of	of	ADP
fsr-3379	466	4	risk	risk	NOUN
fsr-3379	466	5	in	in	ADP
fsr-3379	466	6	retirement	retirement	NOUN
fsr-3379	466	7	saving	saving	NOUN
fsr-3379	466	8	accounts	account	NOUN
fsr-3379	466	9	.	.	PUNCT
fsr-3379	467	1	national	national	ADJ
fsr-3379	467	2	bureau	bureau	PROPN
fsr-3379	467	3	of	of	ADP
fsr-3379	467	4	economic	economic	ADJ
fsr-3379	467	5	research	research	NOUN
fsr-3379	467	6	.	.	PUNCT
fsr-3379	468	1	(	(	PUNCT
fsr-3379	468	2	available	available	ADJ
fsr-3379	468	3	at	at	ADP
fsr-3379	468	4	http://www.nber.org/papers/w9892.pdf	http://www.nber.org/papers/w9892.pdf	PROPN
fsr-3379	468	5	)	)	PUNCT
fsr-3379	468	6	rhee	rhee	PROPN
fsr-3379	468	7	,	,	PUNCT
fsr-3379	468	8	n.	n.	NOUN
fsr-3379	468	9	,	,	PUNCT
fsr-3379	468	10	&	&	CCONJ
fsr-3379	468	11	boivie	boivie	PROPN
fsr-3379	468	12	,	,	PUNCT
fsr-3379	468	13	i.	i.	PROPN
fsr-3379	468	14	(	(	PUNCT
fsr-3379	468	15	2015	2015	NUM
fsr-3379	468	16	)	)	PUNCT
fsr-3379	468	17	.	.	PUNCT
fsr-3379	469	1	the	the	DET
fsr-3379	469	2	continuing	continue	VERB
fsr-3379	469	3	retirement	retirement	NOUN
fsr-3379	469	4	savings	saving	NOUN
fsr-3379	469	5	crisis	crisis	NOUN
fsr-3379	469	6	.	.	PUNCT
fsr-3379	470	1	national	national	PROPN
fsr-3379	470	2	institute	institute	PROPN
fsr-3379	470	3	on	on	ADP
fsr-3379	470	4	retirement	retirement	NOUN
fsr-3379	470	5	security	security	NOUN
fsr-3379	470	6	.	.	PUNCT
fsr-3379	471	1	(	(	PUNCT
fsr-3379	471	2	available	available	ADJ
fsr-3379	471	3	at	at	ADP
fsr-3379	471	4	http://www.nirsonline.org/storage/nirs/documents/rsc%202015/final_rsc_2015.pdf	http://www.nirsonline.org/storage/nirs/documents/rsc%202015/final_rsc_2015.pdf	PROPN
fsr-3379	471	5	)	)	PUNCT
fsr-3379	471	6	ruel	ruel	PROPN
fsr-3379	471	7	,	,	PUNCT
fsr-3379	471	8	e.	e.	PROPN
fsr-3379	471	9	,	,	PUNCT
fsr-3379	471	10	&	&	CCONJ
fsr-3379	471	11	hauser	hauser	PROPN
fsr-3379	471	12	,	,	PUNCT
fsr-3379	471	13	r.	r.	PROPN
fsr-3379	471	14	m.	m.	PROPN
fsr-3379	471	15	(	(	PUNCT
fsr-3379	471	16	2013	2013	NUM
fsr-3379	471	17	)	)	PUNCT
fsr-3379	471	18	.	.	PUNCT
fsr-3379	472	1	explaining	explain	VERB
fsr-3379	472	2	the	the	DET
fsr-3379	472	3	gender	gender	NOUN
fsr-3379	472	4	wealth	wealth	NOUN
fsr-3379	472	5	gap	gap	NOUN
fsr-3379	472	6	.	.	PUNCT
fsr-3379	473	1	demography	demography	NOUN
fsr-3379	473	2	,	,	PUNCT
fsr-3379	473	3	50	50	NUM
fsr-3379	473	4	,	,	PUNCT
fsr-3379	473	5	1155–1176	1155–1176	NUM
fsr-3379	473	6	.	.	PUNCT
fsr-3379	474	1	http://	http://	PROPN
fsr-3379	474	2	dx.doi.org/10.1007/s13524-012-0182-0	dx.doi.org/10.1007/s13524-012-0182-0	PROPN
fsr-3379	474	3	schmidt	schmidt	PROPN
fsr-3379	474	4	,	,	PUNCT
fsr-3379	474	5	l.	l.	PROPN
fsr-3379	474	6	,	,	PUNCT
fsr-3379	474	7	&	&	CCONJ
fsr-3379	474	8	sevak	sevak	PROPN
fsr-3379	474	9	,	,	PUNCT
fsr-3379	474	10	p.	p.	NOUN
fsr-3379	474	11	(	(	PUNCT
fsr-3379	474	12	2006	2006	NUM
fsr-3379	474	13	)	)	PUNCT
fsr-3379	474	14	.	.	PUNCT
fsr-3379	475	1	gender	gender	NOUN
fsr-3379	475	2	,	,	PUNCT
fsr-3379	475	3	marriage	marriage	NOUN
fsr-3379	475	4	,	,	PUNCT
fsr-3379	475	5	and	and	CCONJ
fsr-3379	475	6	asset	asset	NOUN
fsr-3379	475	7	accumulation	accumulation	NOUN
fsr-3379	475	8	in	in	ADP
fsr-3379	475	9	the	the	DET
fsr-3379	475	10	united	united	PROPN
fsr-3379	475	11	states	states	PROPN
fsr-3379	475	12	.	.	PUNCT
fsr-3379	476	1	feminist	feminist	ADJ
fsr-3379	476	2	economics	economic	NOUN
fsr-3379	476	3	,	,	PUNCT
fsr-3379	476	4	12	12	NUM
fsr-3379	476	5	,	,	PUNCT
fsr-3379	476	6	139–166	139–166	NUM
fsr-3379	476	7	.	.	PUNCT
fsr-3379	477	1	spreen	spreen	VERB
fsr-3379	477	2	,	,	PUNCT
fsr-3379	477	3	t.	t.	PROPN
fsr-3379	477	4	l.	l.	PROPN
fsr-3379	477	5	(	(	PUNCT
fsr-3379	477	6	2013	2013	NUM
fsr-3379	477	7	)	)	PUNCT
fsr-3379	477	8	.	.	PUNCT
fsr-3379	478	1	recent	recent	ADJ
fsr-3379	478	2	college	college	NOUN
fsr-3379	478	3	graduates	graduate	NOUN
fsr-3379	478	4	in	in	ADP
fsr-3379	478	5	the	the	DET
fsr-3379	478	6	u.s	u.s	PROPN
fsr-3379	478	7	.	.	PROPN
fsr-3379	478	8	labor	labor	PROPN
fsr-3379	478	9	force	force	NOUN
fsr-3379	478	10	:	:	PUNCT
fsr-3379	478	11	data	datum	NOUN
fsr-3379	478	12	from	from	ADP
fsr-3379	478	13	the	the	DET
fsr-3379	478	14	current	current	ADJ
fsr-3379	478	15	population	population	NOUN
fsr-3379	478	16	survey	survey	NOUN
fsr-3379	478	17	.	.	PUNCT
fsr-3379	479	1	monthly	monthly	ADJ
fsr-3379	479	2	labor	labor	NOUN
fsr-3379	479	3	review	review	NOUN
fsr-3379	479	4	,	,	PUNCT
fsr-3379	479	5	136	136	NUM
fsr-3379	479	6	,	,	PUNCT
fsr-3379	479	7	1–11	1–11	PROPN
fsr-3379	479	8	.	.	PUNCT
fsr-3379	480	1	the	the	DET
fsr-3379	480	2	pew	pew	NOUN
fsr-3379	480	3	charitable	charitable	ADJ
fsr-3379	480	4	trusts	trust	NOUN
fsr-3379	480	5	.	.	PUNCT
fsr-3379	481	1	(	(	PUNCT
fsr-3379	481	2	2016	2016	NUM
fsr-3379	481	3	)	)	PUNCT
fsr-3379	481	4	.	.	PUNCT
fsr-3379	482	1	who	who	PRON
fsr-3379	482	2	’s	’	VERB
fsr-3379	482	3	in	in	ADP
fsr-3379	482	4	,	,	PUNCT
fsr-3379	482	5	who	who	PRON
fsr-3379	482	6	’s	’	VERB
fsr-3379	482	7	out	out	ADV
fsr-3379	482	8	:	:	PUNCT
fsr-3379	482	9	a	a	DET
fsr-3379	482	10	look	look	NOUN
fsr-3379	482	11	at	at	ADP
fsr-3379	482	12	access	access	NOUN
fsr-3379	482	13	to	to	ADP
fsr-3379	482	14	employer	employer	NOUN
fsr-3379	482	15	-	-	PUNCT
fsr-3379	482	16	based	base	VERB
fsr-3379	482	17	retirement	retirement	NOUN
fsr-3379	482	18	plans	plan	NOUN
fsr-3379	482	19	and	and	CCONJ
fsr-3379	482	20	participation	participation	NOUN
fsr-3379	482	21	in	in	ADP
fsr-3379	482	22	the	the	DET
fsr-3379	482	23	states	state	NOUN
fsr-3379	482	24	.	.	PUNCT
fsr-3379	483	1	(	(	PUNCT
fsr-3379	483	2	available	available	ADJ
fsr-3379	483	3	at	at	ADP
fsr-3379	483	4	http://www.pewtrusts.org/�/media/assets/2016/01/retirement	http://www.pewtrusts.org/�/media/assets/2016/01/retirement	PROPN
fsr-3379	483	5	_	_	PUNCT
fsr-3379	483	6	savings_report_jan16.pdf	savings_report_jan16.pdf	PROPN
fsr-3379	483	7	)	)	PUNCT
fsr-3379	483	8	u.s	u.s	PROPN
fsr-3379	483	9	.	.	PROPN
fsr-3379	483	10	bureau	bureau	PROPN
fsr-3379	483	11	of	of	ADP
fsr-3379	483	12	labor	labor	PROPN
fsr-3379	483	13	statistics	statistic	NOUN
fsr-3379	483	14	.	.	PUNCT
fsr-3379	484	1	(	(	PUNCT
fsr-3379	484	2	2016c	2016c	NUM
fsr-3379	484	3	)	)	PUNCT
fsr-3379	484	4	.	.	PUNCT
fsr-3379	485	1	employee	employee	NOUN
fsr-3379	485	2	tenure	tenure	NOUN
fsr-3379	485	3	in	in	ADP
fsr-3379	485	4	2016	2016	NUM
fsr-3379	485	5	.	.	PUNCT
fsr-3379	486	1	(	(	PUNCT
fsr-3379	486	2	available	available	ADJ
fsr-3379	486	3	at	at	ADP
fsr-3379	486	4	https://www.bls.gov/news	https://www.bls.gov/news	X
fsr-3379	486	5	.	.	PUNCT
fsr-3379	487	1	release	release	NOUN
fsr-3379	487	2	/	/	SYM
fsr-3379	487	3	tenure.nr0.htm	tenure.nr0.htm	NUM
fsr-3379	487	4	)	)	PUNCT
fsr-3379	487	5	u.s	u.s	PROPN
fsr-3379	487	6	.	.	PROPN
fsr-3379	487	7	census	census	PROPN
fsr-3379	487	8	bureau	bureau	PROPN
fsr-3379	487	9	.	.	PUNCT
fsr-3379	488	1	(	(	PUNCT
fsr-3379	488	2	1963	1963	NUM
fsr-3379	488	3	)	)	PUNCT
fsr-3379	488	4	.	.	PUNCT
fsr-3379	489	1	current	current	ADJ
fsr-3379	489	2	population	population	NOUN
fsr-3379	489	3	report	report	NOUN
fsr-3379	489	4	.	.	PUNCT
fsr-3379	490	1	(	(	PUNCT
fsr-3379	490	2	available	available	ADJ
fsr-3379	490	3	at	at	ADP
fsr-3379	490	4	https://www.census.gov/hhes/socdemo/	https://www.census.gov/hhes/socdemo/	PROPN
fsr-3379	490	5	education	education	NOUN
fsr-3379	490	6	/	/	SYM
fsr-3379	490	7	data	data	PROPN
fsr-3379	490	8	/	/	SYM
fsr-3379	490	9	cps/1960	cps/1960	X
fsr-3379	490	10	/	/	SYM
fsr-3379	490	11	p23	p23	NOUN
fsr-3379	490	12	-	-	PUNCT
fsr-3379	490	13	09.pdf	09.pdf	PROPN
fsr-3379	490	14	)	)	PUNCT
fsr-3379	490	15	u.s	u.s	PROPN
fsr-3379	490	16	.	.	PROPN
fsr-3379	490	17	department	department	PROPN
fsr-3379	490	18	of	of	ADP
fsr-3379	490	19	labor	labor	NOUN
fsr-3379	490	20	.	.	PUNCT
fsr-3379	491	1	(	(	PUNCT
fsr-3379	491	2	2016a	2016a	NUM
fsr-3379	491	3	)	)	PUNCT
fsr-3379	491	4	.	.	PUNCT
fsr-3379	492	1	automatic	automatic	ADJ
fsr-3379	492	2	enrollment	enrollment	NOUN
fsr-3379	492	3	401(k	401(k	PROPN
fsr-3379	492	4	)	)	PUNCT
fsr-3379	492	5	plans	plan	NOUN
fsr-3379	492	6	for	for	ADP
fsr-3379	492	7	small	small	ADJ
fsr-3379	492	8	businesses	business	NOUN
fsr-3379	492	9	.	.	PUNCT
fsr-3379	493	1	(	(	PUNCT
fsr-3379	493	2	available	available	ADJ
fsr-3379	493	3	at	at	ADP
fsr-3379	493	4	https://www.irs.gov/pub/irs-pdf/p4674.pdf	https://www.irs.gov/pub/irs-pdf/p4674.pdf	ADJ
fsr-3379	493	5	)	)	PUNCT
fsr-3379	493	6	u.s	u.s	PROPN
fsr-3379	493	7	.	.	PROPN
fsr-3379	493	8	department	department	PROPN
fsr-3379	493	9	of	of	ADP
fsr-3379	493	10	labor	labor	NOUN
fsr-3379	493	11	.	.	PUNCT
fsr-3379	494	1	(	(	PUNCT
fsr-3379	494	2	2016b	2016b	NUM
fsr-3379	494	3	)	)	PUNCT
fsr-3379	494	4	.	.	PUNCT
fsr-3379	495	1	college	college	NOUN
fsr-3379	495	2	enrollment	enrollment	NOUN
fsr-3379	495	3	and	and	CCONJ
fsr-3379	495	4	work	work	NOUN
fsr-3379	495	5	activity	activity	NOUN
fsr-3379	495	6	of	of	ADP
fsr-3379	495	7	2015	2015	NUM
fsr-3379	495	8	high	high	ADJ
fsr-3379	495	9	school	school	NOUN
fsr-3379	495	10	graduates	graduate	NOUN
fsr-3379	495	11	.	.	PUNCT
fsr-3379	496	1	(	(	PUNCT
fsr-3379	496	2	available	available	ADJ
fsr-3379	496	3	at	at	ADP
fsr-3379	496	4	https://www.bls.gov/news.release/hsgec.nr0.htm	https://www.bls.gov/news.release/hsgec.nr0.htm	NOUN
fsr-3379	496	5	)	)	PUNCT
fsr-3379	496	6	utkus	utkus	PROPN
fsr-3379	496	7	,	,	PUNCT
fsr-3379	496	8	s.	s.	PROPN
fsr-3379	496	9	p.	p.	PROPN
fsr-3379	496	10	,	,	PUNCT
fsr-3379	496	11	&	&	CCONJ
fsr-3379	496	12	young	young	PROPN
fsr-3379	496	13	,	,	PUNCT
fsr-3379	496	14	j.	j.	PROPN
fsr-3379	496	15	a.	a.	PROPN
fsr-3379	496	16	(	(	PUNCT
fsr-3379	496	17	2017	2017	NUM
fsr-3379	496	18	)	)	PUNCT
fsr-3379	496	19	.	.	PUNCT
fsr-3379	497	1	how	how	SCONJ
fsr-3379	497	2	america	america	PROPN
fsr-3379	497	3	saves	save	VERB
fsr-3379	497	4	2017	2017	NUM
fsr-3379	497	5	.	.	PUNCT
fsr-3379	498	1	(	(	PUNCT
fsr-3379	498	2	available	available	ADJ
fsr-3379	498	3	at	at	ADP
fsr-3379	498	4	https://institutional.vanguard.com/	https://institutional.vanguard.com/	PROPN
fsr-3379	498	5	iam	iam	PROPN
fsr-3379	498	6	/	/	SYM
fsr-3379	498	7	pdf	pdf	NOUN
fsr-3379	498	8	/	/	SYM
fsr-3379	498	9	has17.pdf	has17.pdf	NOUN
fsr-3379	498	10	)	)	PUNCT
fsr-3379	498	11	warne	warne	NOUN
fsr-3379	498	12	,	,	PUNCT
fsr-3379	498	13	l.	l.	PROPN
fsr-3379	498	14	(	(	PUNCT
fsr-3379	498	15	2013	2013	NUM
fsr-3379	498	16	)	)	PUNCT
fsr-3379	498	17	.	.	PUNCT
fsr-3379	499	1	more	more	ADJ
fsr-3379	499	2	education	education	NOUN
fsr-3379	499	3	,	,	PUNCT
fsr-3379	499	4	better	well	ADJ
fsr-3379	499	5	retirement	retirement	NOUN
fsr-3379	499	6	.	.	PUNCT
fsr-3379	500	1	national	national	ADJ
fsr-3379	500	2	center	center	NOUN
fsr-3379	500	3	for	for	ADP
fsr-3379	500	4	policy	policy	NOUN
fsr-3379	500	5	analysis	analysis	NOUN
fsr-3379	500	6	.	.	PUNCT
fsr-3379	501	1	(	(	PUNCT
fsr-3379	501	2	available	available	ADJ
fsr-3379	501	3	at	at	ADP
fsr-3379	501	4	http://	http://	PROPN
fsr-3379	501	5	www.ncpa.org/pdfs/ib125.pdf	www.ncpa.org/pdfs/ib125.pdf	X
fsr-3379	501	6	)	)	PUNCT
fsr-3379	501	7	xiao	xiao	PROPN
fsr-3379	501	8	,	,	PUNCT
fsr-3379	501	9	j.	j.	PROPN
fsr-3379	501	10	j.	j.	PROPN
fsr-3379	501	11	,	,	PUNCT
fsr-3379	501	12	ford	ford	PROPN
fsr-3379	501	13	,	,	PUNCT
fsr-3379	501	14	m.	m.	PROPN
fsr-3379	501	15	w.	w.	PROPN
fsr-3379	501	16	,	,	PUNCT
fsr-3379	501	17	&	&	CCONJ
fsr-3379	501	18	kim	kim	PROPN
fsr-3379	501	19	,	,	PUNCT
fsr-3379	501	20	j.	j.	PROPN
fsr-3379	501	21	(	(	PUNCT
fsr-3379	501	22	2011	2011	NUM
fsr-3379	501	23	)	)	PUNCT
fsr-3379	501	24	.	.	PUNCT
fsr-3379	502	1	consumer	consumer	NOUN
fsr-3379	502	2	financial	financial	ADJ
fsr-3379	502	3	behavior	behavior	NOUN
fsr-3379	502	4	:	:	PUNCT
fsr-3379	502	5	an	an	DET
fsr-3379	502	6	interdisciplinary	interdisciplinary	ADJ
fsr-3379	502	7	review	review	NOUN
fsr-3379	502	8	of	of	ADP
fsr-3379	502	9	selected	select	VERB
fsr-3379	502	10	theories	theory	NOUN
fsr-3379	502	11	and	and	CCONJ
fsr-3379	502	12	research	research	NOUN
fsr-3379	502	13	.	.	PUNCT
fsr-3379	503	1	family	family	NOUN
fsr-3379	503	2	and	and	CCONJ
fsr-3379	503	3	consumer	consumer	NOUN
fsr-3379	503	4	sciences	sciences	PROPN
fsr-3379	503	5	research	research	NOUN
fsr-3379	503	6	journal	journal	NOUN
fsr-3379	503	7	,	,	PUNCT
fsr-3379	503	8	39	39	NUM
fsr-3379	503	9	,	,	PUNCT
fsr-3379	503	10	399–414	399–414	NUM
fsr-3379	503	11	.	.	PUNCT
fsr-3379	503	12	http://dx.doi	http://dx.doi	NOUN
fsr-3379	503	13	.	.	PUNCT
fsr-3379	504	1	org10.1111	org10.1111	PROPN
fsr-3379	504	2	/	/	SYM
fsr-3379	504	3	j.1552	j.1552	NOUN
fsr-3379	504	4	-	-	PUNCT
fsr-3379	504	5	3934.2011.02078.x	3934.2011.02078.x	NUM
fsr-3379	504	6	45h	45h	NUM
fsr-3379	504	7	.	.	PUNCT
fsr-3379	505	1	kim	kim	PROPN
fsr-3379	505	2	et	et	PROPN
fsr-3379	505	3	al	al	PROPN
fsr-3379	505	4	.	.	PUNCT
fsr-3379	505	5	/	/	SYM
fsr-3379	505	6	financial	financial	ADJ
fsr-3379	505	7	services	service	NOUN
fsr-3379	505	8	review	review	VERB
fsr-3379	505	9	27	27	NUM
fsr-3379	505	10	(	(	PUNCT
fsr-3379	505	11	2018	2018	NUM
fsr-3379	505	12	)	)	PUNCT
fsr-3379	505	13	29	29	NUM
fsr-3379	505	14	-	-	SYM
fsr-3379	505	15	45	45	NUM