id	sid	tid	token	lemma	pos
fsr-3388	1	1	an	an	DET
fsr-3388	1	2	examination	examination	NOUN
fsr-3388	1	3	of	of	ADP
fsr-3388	1	4	the	the	DET
fsr-3388	1	5	federal	federal	ADJ
fsr-3388	1	6	employee	employee	NOUN
fsr-3388	1	7	retirement	retirement	NOUN
fsr-3388	1	8	system	system	NOUN
fsr-3388	1	9	(	(	PUNCT
fsr-3388	1	10	fers	fer	NOUN
fsr-3388	1	11	)	)	PUNCT
fsr-3388	1	12	survivor	survivor	NOUN
fsr-3388	1	13	annuity	annuity	NOUN
fsr-3388	1	14	benefit	benefit	PROPN
fsr-3388	1	15	kevin	kevin	PROPN
fsr-3388	1	16	davisa	davisa	PROPN
fsr-3388	1	17	,	,	PUNCT
fsr-3388	1	18	*	*	PUNCT
fsr-3388	1	19	,	,	PUNCT
fsr-3388	1	20	steve	steve	PROPN
fsr-3388	1	21	p.	p.	PROPN
fsr-3388	1	22	fraserb	fraserb	PROPN
fsr-3388	1	23	,	,	PUNCT
fsr-3388	1	24	william	william	PROPN
fsr-3388	1	25	w.	w.	PROPN
fsr-3388	1	26	jenningsc	jenningsc	PROPN
fsr-3388	1	27	adepartment	adepartment	PROPN
fsr-3388	1	28	of	of	ADP
fsr-3388	1	29	management	management	NOUN
fsr-3388	1	30	,	,	PUNCT
fsr-3388	1	31	usaf	usaf	PROPN
fsr-3388	1	32	academy	academy	PROPN
fsr-3388	1	33	,	,	PUNCT
fsr-3388	1	34	2354	2354	NUM
fsr-3388	1	35	fairchild	fairchild	PROPN
fsr-3388	1	36	drive	drive	NOUN
fsr-3388	1	37	,	,	PUNCT
fsr-3388	1	38	suite	suite	NOUN
fsr-3388	1	39	6h-130	6h-130	NUM
fsr-3388	1	40	,	,	PUNCT
fsr-3388	1	41	usaf	usaf	PROPN
fsr-3388	1	42	academy	academy	PROPN
fsr-3388	1	43	,	,	PUNCT
fsr-3388	1	44	co	co	NOUN
fsr-3388	1	45	80840	80840	NUM
fsr-3388	1	46	,	,	PUNCT
fsr-3388	1	47	usa	usa	PROPN
fsr-3388	1	48	bflorida	bflorida	PROPN
fsr-3388	1	49	gulf	gulf	PROPN
fsr-3388	1	50	coast	coast	PROPN
fsr-3388	1	51	university	university	PROPN
fsr-3388	1	52	,	,	PUNCT
fsr-3388	1	53	10501	10501	NUM
fsr-3388	1	54	fgcu	fgcu	PROPN
fsr-3388	1	55	blvd	blvd	PROPN
fsr-3388	1	56	south	south	PROPN
fsr-3388	1	57	,	,	PUNCT
fsr-3388	1	58	fort	fort	NOUN
fsr-3388	1	59	myers	myers	PROPN
fsr-3388	1	60	,	,	PUNCT
fsr-3388	1	61	fl	fl	PROPN
fsr-3388	1	62	33965	33965	NUM
fsr-3388	1	63	,	,	PUNCT
fsr-3388	1	64	usa	usa	PROPN
fsr-3388	1	65	cdepartment	cdepartment	PROPN
fsr-3388	1	66	of	of	ADP
fsr-3388	1	67	management	management	NOUN
fsr-3388	1	68	,	,	PUNCT
fsr-3388	1	69	usaf	usaf	PROPN
fsr-3388	1	70	academy	academy	PROPN
fsr-3388	1	71	,	,	PUNCT
fsr-3388	1	72	2354	2354	NUM
fsr-3388	1	73	fairchild	fairchild	PROPN
fsr-3388	1	74	drive	drive	NOUN
fsr-3388	1	75	,	,	PUNCT
fsr-3388	1	76	suite	suite	NOUN
fsr-3388	1	77	6h-130	6h-130	NUM
fsr-3388	1	78	,	,	PUNCT
fsr-3388	1	79	usaf	usaf	PROPN
fsr-3388	1	80	academy	academy	PROPN
fsr-3388	1	81	,	,	PUNCT
fsr-3388	1	82	co	co	NOUN
fsr-3388	1	83	80840	80840	NUM
fsr-3388	1	84	,	,	PUNCT
fsr-3388	1	85	usa	usa	PROPN
fsr-3388	1	86	abstract	abstract	PROPN
fsr-3388	1	87	the	the	DET
fsr-3388	1	88	federal	federal	ADJ
fsr-3388	1	89	employees	employee	NOUN
fsr-3388	1	90	retirement	retirement	NOUN
fsr-3388	1	91	system	system	NOUN
fsr-3388	1	92	(	(	PUNCT
fsr-3388	1	93	fers	fer	NOUN
fsr-3388	1	94	)	)	PUNCT
fsr-3388	1	95	provides	provide	VERB
fsr-3388	1	96	survivor	survivor	NOUN
fsr-3388	1	97	annuity	annuity	NOUN
fsr-3388	1	98	benefits	benefit	NOUN
fsr-3388	1	99	for	for	ADP
fsr-3388	1	100	employees	employee	NOUN
fsr-3388	1	101	who	who	PRON
fsr-3388	1	102	forfeit	forfeit	VERB
fsr-3388	1	103	a	a	DET
fsr-3388	1	104	portion	portion	NOUN
fsr-3388	1	105	of	of	ADP
fsr-3388	1	106	their	their	PRON
fsr-3388	1	107	annuity	annuity	NOUN
fsr-3388	1	108	as	as	ADP
fsr-3388	1	109	a	a	DET
fsr-3388	1	110	premium	premium	NOUN
fsr-3388	1	111	.	.	PUNCT
fsr-3388	2	1	in	in	ADP
fsr-3388	2	2	this	this	DET
fsr-3388	2	3	study	study	NOUN
fsr-3388	2	4	,	,	PUNCT
fsr-3388	2	5	we	we	PRON
fsr-3388	2	6	construct	construct	VERB
fsr-3388	2	7	a	a	DET
fsr-3388	2	8	monte	monte	PROPN
fsr-3388	2	9	carlo	carlo	PROPN
fsr-3388	2	10	simulation	simulation	PROPN
fsr-3388	2	11	to	to	PART
fsr-3388	2	12	describe	describe	VERB
fsr-3388	2	13	the	the	DET
fsr-3388	2	14	distributions	distribution	NOUN
fsr-3388	2	15	and	and	CCONJ
fsr-3388	2	16	implied	imply	VERB
fsr-3388	2	17	internal	internal	ADJ
fsr-3388	2	18	rates	rate	NOUN
fsr-3388	2	19	of	of	ADP
fsr-3388	2	20	return	return	NOUN
fsr-3388	2	21	for	for	ADP
fsr-3388	2	22	fers	fer	NOUN
fsr-3388	2	23	annuitants	annuitant	NOUN
fsr-3388	2	24	who	who	PRON
fsr-3388	2	25	elect	elect	VERB
fsr-3388	2	26	a	a	DET
fsr-3388	2	27	joint	joint	ADJ
fsr-3388	2	28	and	and	CCONJ
fsr-3388	2	29	survivor	survivor	NOUN
fsr-3388	2	30	annuity	annuity	NOUN
fsr-3388	2	31	.	.	PUNCT
fsr-3388	3	1	our	our	PRON
fsr-3388	3	2	analysis	analysis	NOUN
fsr-3388	3	3	suggests	suggest	VERB
fsr-3388	3	4	that	that	SCONJ
fsr-3388	3	5	the	the	DET
fsr-3388	3	6	survivor	survivor	NOUN
fsr-3388	3	7	benefit	benefit	NOUN
fsr-3388	3	8	program	program	NOUN
fsr-3388	3	9	is	be	AUX
fsr-3388	3	10	quite	quite	ADV
fsr-3388	3	11	lucrative	lucrative	ADJ
fsr-3388	3	12	for	for	ADP
fsr-3388	3	13	most	most	ADJ
fsr-3388	3	14	male	male	ADJ
fsr-3388	3	15	retirees	retiree	NOUN
fsr-3388	3	16	.	.	PUNCT
fsr-3388	4	1	in	in	ADP
fsr-3388	4	2	contrast	contrast	NOUN
fsr-3388	4	3	,	,	PUNCT
fsr-3388	4	4	the	the	DET
fsr-3388	4	5	program	program	NOUN
fsr-3388	4	6	is	be	AUX
fsr-3388	4	7	less	less	ADV
fsr-3388	4	8	rewarding	rewarding	ADJ
fsr-3388	4	9	for	for	ADP
fsr-3388	4	10	female	female	ADJ
fsr-3388	4	11	retirees	retiree	NOUN
fsr-3388	4	12	,	,	PUNCT
fsr-3388	4	13	especially	especially	ADV
fsr-3388	4	14	if	if	SCONJ
fsr-3388	4	15	younger	young	ADJ
fsr-3388	4	16	than	than	ADP
fsr-3388	4	17	their	their	PRON
fsr-3388	4	18	spouse	spouse	NOUN
fsr-3388	4	19	.	.	PUNCT
fsr-3388	5	1	for	for	ADP
fsr-3388	5	2	many	many	ADJ
fsr-3388	5	3	female	female	ADJ
fsr-3388	5	4	retirees	retiree	NOUN
fsr-3388	5	5	,	,	PUNCT
fsr-3388	5	6	the	the	DET
fsr-3388	5	7	program	program	NOUN
fsr-3388	5	8	actually	actually	ADV
fsr-3388	5	9	produces	produce	VERB
fsr-3388	5	10	a	a	DET
fsr-3388	5	11	negative	negative	ADJ
fsr-3388	5	12	return	return	NOUN
fsr-3388	5	13	.	.	PUNCT
fsr-3388	6	1	retirees	retiree	NOUN
fsr-3388	6	2	and	and	CCONJ
fsr-3388	6	3	planners	planner	NOUN
fsr-3388	6	4	can	can	AUX
fsr-3388	6	5	use	use	VERB
fsr-3388	6	6	our	our	PRON
fsr-3388	6	7	results	result	NOUN
fsr-3388	6	8	to	to	PART
fsr-3388	6	9	make	make	VERB
fsr-3388	6	10	more	more	ADV
fsr-3388	6	11	informed	informed	ADJ
fsr-3388	6	12	annuity	annuity	NOUN
fsr-3388	6	13	decisions	decision	NOUN
fsr-3388	6	14	.	.	PUNCT
fsr-3388	7	1	©	©	PROPN
fsr-3388	7	2	2018	2018	NUM
fsr-3388	7	3	academy	academy	NOUN
fsr-3388	7	4	of	of	ADP
fsr-3388	7	5	financial	financial	ADJ
fsr-3388	7	6	services	service	NOUN
fsr-3388	7	7	.	.	PUNCT
fsr-3388	8	1	all	all	DET
fsr-3388	8	2	rights	right	NOUN
fsr-3388	8	3	reserved	reserve	VERB
fsr-3388	8	4	.	.	PUNCT
fsr-3388	9	1	jel	jel	PROPN
fsr-3388	9	2	classification	classification	PROPN
fsr-3388	9	3	:	:	PUNCT
fsr-3388	9	4	g23	g23	PROPN
fsr-3388	9	5	;	;	PUNCT
fsr-3388	9	6	h55	h55	PROPN
fsr-3388	9	7	;	;	PUNCT
fsr-3388	9	8	j26	j26	NOUN
fsr-3388	9	9	;	;	PUNCT
fsr-3388	9	10	j38	j38	ADJ
fsr-3388	9	11	keywords	keyword	NOUN
fsr-3388	9	12	:	:	PUNCT
fsr-3388	9	13	survivor	survivor	NOUN
fsr-3388	9	14	benefit	benefit	NOUN
fsr-3388	9	15	plan	plan	NOUN
fsr-3388	9	16	;	;	PUNCT
fsr-3388	9	17	insurance	insurance	NOUN
fsr-3388	9	18	;	;	PUNCT
fsr-3388	9	19	valuation	valuation	NOUN
fsr-3388	9	20	;	;	PUNCT
fsr-3388	9	21	pensions	pension	NOUN
fsr-3388	9	22	;	;	PUNCT
fsr-3388	9	23	retirement	retirement	NOUN
fsr-3388	9	24	;	;	PUNCT
fsr-3388	9	25	simulation	simulation	NOUN
fsr-3388	9	26	1	1	NUM
fsr-3388	9	27	.	.	PUNCT
fsr-3388	9	28	introduction	introduction	NOUN
fsr-3388	9	29	unlike	unlike	ADP
fsr-3388	9	30	most	most	ADV
fsr-3388	9	31	defined	define	VERB
fsr-3388	9	32	-	-	PUNCT
fsr-3388	9	33	benefit	benefit	NOUN
fsr-3388	9	34	plan	plan	NOUN
fsr-3388	9	35	studies	study	NOUN
fsr-3388	9	36	,	,	PUNCT
fsr-3388	9	37	we	we	PRON
fsr-3388	9	38	focus	focus	VERB
fsr-3388	9	39	on	on	ADP
fsr-3388	9	40	the	the	DET
fsr-3388	9	41	value	value	NOUN
fsr-3388	9	42	of	of	ADP
fsr-3388	9	43	the	the	DET
fsr-3388	9	44	spousal	spousal	NOUN
fsr-3388	9	45	insurance	insurance	NOUN
fsr-3388	9	46	option	option	NOUN
fsr-3388	9	47	.	.	PUNCT
fsr-3388	10	1	we	we	PRON
fsr-3388	10	2	explore	explore	VERB
fsr-3388	10	3	the	the	DET
fsr-3388	10	4	value	value	NOUN
fsr-3388	10	5	of	of	ADP
fsr-3388	10	6	insuring	insure	VERB
fsr-3388	10	7	the	the	DET
fsr-3388	10	8	surviving	surviving	NOUN
fsr-3388	10	9	spouse	spouse	NOUN
fsr-3388	10	10	’s	’s	PART
fsr-3388	10	11	benefit	benefit	NOUN
fsr-3388	10	12	under	under	ADP
fsr-3388	10	13	different	different	ADJ
fsr-3388	10	14	scenarios	scenario	NOUN
fsr-3388	10	15	using	use	VERB
fsr-3388	10	16	a	a	DET
fsr-3388	10	17	cost	cost	NOUN
fsr-3388	10	18	-	-	PUNCT
fsr-3388	10	19	benefit	benefit	NOUN
fsr-3388	10	20	analysis	analysis	NOUN
fsr-3388	10	21	.	.	PUNCT
fsr-3388	11	1	considerable	considerable	ADJ
fsr-3388	11	2	research	research	NOUN
fsr-3388	11	3	exists	exist	VERB
fsr-3388	11	4	on	on	ADP
fsr-3388	11	5	retirement	retirement	NOUN
fsr-3388	11	6	annuities	annuity	NOUN
fsr-3388	11	7	,	,	PUNCT
fsr-3388	11	8	as	as	SCONJ
fsr-3388	11	9	summarized	summarize	VERB
fsr-3388	11	10	in	in	ADP
fsr-3388	11	11	davis	davis	PROPN
fsr-3388	11	12	and	and	CCONJ
fsr-3388	11	13	fraser	fraser	PROPN
fsr-3388	11	14	(	(	PUNCT
fsr-3388	11	15	2012	2012	NUM
fsr-3388	11	16	)	)	PUNCT
fsr-3388	11	17	in	in	ADP
fsr-3388	11	18	their	their	PRON
fsr-3388	11	19	examination	examination	NOUN
fsr-3388	11	20	of	of	ADP
fsr-3388	11	21	the	the	DET
fsr-3388	11	22	survivor	survivor	NOUN
fsr-3388	11	23	benefit	benefit	NOUN
fsr-3388	11	24	*	*	PUNCT
fsr-3388	11	25	corresponding	correspond	VERB
fsr-3388	11	26	author	author	NOUN
fsr-3388	11	27	.	.	PUNCT
fsr-3388	12	1	tel	tel	PROPN
fsr-3388	12	2	.	.	PUNCT
fsr-3388	12	3	:	:	PUNCT
fsr-3388	13	1	�	�	PROPN
fsr-3388	13	2	1	1	NUM
fsr-3388	13	3	-	-	SYM
fsr-3388	13	4	719	719	NUM
fsr-3388	13	5	-	-	PUNCT
fsr-3388	13	6	333	333	NUM
fsr-3388	13	7	-	-	SYM
fsr-3388	13	8	4130	4130	NUM
fsr-3388	13	9	;	;	PUNCT
fsr-3388	13	10	fax	fax	NOUN
fsr-3388	13	11	:	:	PUNCT
fsr-3388	13	12	�	�	PROPN
fsr-3388	13	13	1	1	NUM
fsr-3388	13	14	-	-	SYM
fsr-3388	13	15	719	719	NUM
fsr-3388	13	16	-	-	PUNCT
fsr-3388	13	17	333	333	NUM
fsr-3388	13	18	-	-	SYM
fsr-3388	13	19	9715	9715	NUM
fsr-3388	13	20	.	.	PUNCT
fsr-3388	14	1	e	e	X
fsr-3388	14	2	-	-	NOUN
fsr-3388	14	3	mail	mail	NOUN
fsr-3388	14	4	address	address	NOUN
fsr-3388	14	5	:	:	PUNCT
fsr-3388	14	6	kevin.davis@usafa.edu	kevin.davis@usafa.edu	PROPN
fsr-3388	14	7	(	(	PUNCT
fsr-3388	14	8	k.	k.	PROPN
fsr-3388	14	9	davis	davis	PROPN
fsr-3388	14	10	)	)	PUNCT
fsr-3388	14	11	financial	financial	ADJ
fsr-3388	14	12	services	service	NOUN
fsr-3388	14	13	review	review	VERB
fsr-3388	14	14	27	27	NUM
fsr-3388	14	15	(	(	PUNCT
fsr-3388	14	16	2018	2018	NUM
fsr-3388	14	17	)	)	PUNCT
fsr-3388	14	18	133	133	NUM
fsr-3388	14	19	-	-	SYM
fsr-3388	14	20	146	146	NUM
fsr-3388	14	21	1057	1057	NUM
fsr-3388	14	22	-	-	SYM
fsr-3388	14	23	0810/18/$	0810/18/$	NUM
fsr-3388	14	24	–	–	PUNCT
fsr-3388	14	25	see	see	VERB
fsr-3388	14	26	front	front	ADJ
fsr-3388	14	27	matter	matter	NOUN
fsr-3388	14	28	©	©	PROPN
fsr-3388	14	29	2018	2018	NUM
fsr-3388	14	30	academy	academy	NOUN
fsr-3388	14	31	of	of	ADP
fsr-3388	14	32	financial	financial	ADJ
fsr-3388	14	33	services	service	NOUN
fsr-3388	14	34	.	.	PUNCT
fsr-3388	15	1	all	all	DET
fsr-3388	15	2	rights	right	NOUN
fsr-3388	15	3	reserved	reserve	VERB
fsr-3388	15	4	.	.	PUNCT
fsr-3388	16	1	program	program	NOUN
fsr-3388	16	2	(	(	PUNCT
fsr-3388	16	3	sbp	sbp	NOUN
fsr-3388	16	4	)	)	PUNCT
fsr-3388	16	5	for	for	ADP
fsr-3388	16	6	military	military	ADJ
fsr-3388	16	7	annuitants	annuitant	NOUN
fsr-3388	16	8	.	.	PUNCT
fsr-3388	17	1	here	here	ADV
fsr-3388	17	2	we	we	PRON
fsr-3388	17	3	extend	extend	VERB
fsr-3388	17	4	that	that	DET
fsr-3388	17	5	analysis	analysis	NOUN
fsr-3388	17	6	to	to	ADP
fsr-3388	17	7	the	the	DET
fsr-3388	17	8	federal	federal	ADJ
fsr-3388	17	9	employees	employee	NOUN
fsr-3388	17	10	retirement	retirement	NOUN
fsr-3388	17	11	system	system	NOUN
fsr-3388	17	12	(	(	PUNCT
fsr-3388	17	13	fers	fer	NOUN
fsr-3388	17	14	)	)	PUNCT
fsr-3388	17	15	survivor	survivor	NOUN
fsr-3388	17	16	benefit	benefit	NOUN
fsr-3388	17	17	.	.	PUNCT
fsr-3388	18	1	limited	limited	ADJ
fsr-3388	18	2	academic	academic	ADJ
fsr-3388	18	3	research	research	NOUN
fsr-3388	18	4	exists	exist	VERB
fsr-3388	18	5	on	on	ADP
fsr-3388	18	6	fers	fer	NOUN
fsr-3388	18	7	,	,	PUNCT
fsr-3388	18	8	even	even	ADV
fsr-3388	18	9	though	though	SCONJ
fsr-3388	18	10	it	it	PRON
fsr-3388	18	11	has	have	VERB
fsr-3388	18	12	over	over	ADP
fsr-3388	18	13	3	3	NUM
fsr-3388	18	14	million	million	NUM
fsr-3388	18	15	active	active	ADJ
fsr-3388	18	16	and	and	CCONJ
fsr-3388	18	17	retired	retired	ADJ
fsr-3388	18	18	participants	participant	NOUN
fsr-3388	18	19	(	(	PUNCT
fsr-3388	18	20	cbo	cbo	PROPN
fsr-3388	18	21	,	,	PUNCT
fsr-3388	18	22	2016	2016	NUM
fsr-3388	18	23	)	)	PUNCT
fsr-3388	18	24	.	.	PUNCT
fsr-3388	19	1	a	a	DET
fsr-3388	19	2	comprehensive	comprehensive	ADJ
fsr-3388	19	3	search	search	NOUN
fsr-3388	19	4	for	for	ADP
fsr-3388	19	5	articles	article	NOUN
fsr-3388	19	6	using	use	VERB
fsr-3388	19	7	databases	database	NOUN
fsr-3388	19	8	such	such	ADJ
fsr-3388	19	9	as	as	ADP
fsr-3388	19	10	abi	abi	NOUN
fsr-3388	19	11	inform	inform	NOUN
fsr-3388	19	12	and	and	CCONJ
fsr-3388	19	13	business	business	NOUN
fsr-3388	19	14	source	source	NOUN
fsr-3388	19	15	premier	premier	NOUN
fsr-3388	19	16	found	find	VERB
fsr-3388	19	17	few	few	ADJ
fsr-3388	19	18	studies	study	NOUN
fsr-3388	19	19	.	.	PUNCT
fsr-3388	20	1	these	these	DET
fsr-3388	20	2	efforts	effort	NOUN
fsr-3388	20	3	simply	simply	ADV
fsr-3388	20	4	describe	describe	VERB
fsr-3388	20	5	the	the	DET
fsr-3388	20	6	program	program	NOUN
fsr-3388	20	7	(	(	PUNCT
fsr-3388	20	8	e.g.	e.g.	ADV
fsr-3388	20	9	,	,	PUNCT
fsr-3388	20	10	isaacs	isaacs	PROPN
fsr-3388	20	11	,	,	PUNCT
fsr-3388	20	12	2010	2010	NUM
fsr-3388	20	13	;	;	PUNCT
fsr-3388	20	14	purcell	purcell	PROPN
fsr-3388	20	15	,	,	PUNCT
fsr-3388	20	16	2009	2009	NUM
fsr-3388	20	17	)	)	PUNCT
fsr-3388	20	18	.	.	PUNCT
fsr-3388	21	1	books	book	NOUN
fsr-3388	21	2	on	on	ADP
fsr-3388	21	3	the	the	DET
fsr-3388	21	4	subject	subject	NOUN
fsr-3388	21	5	,	,	PUNCT
fsr-3388	21	6	like	like	ADP
fsr-3388	21	7	matthew	matthew	PROPN
fsr-3388	21	8	and	and	CCONJ
fsr-3388	21	9	berman	berman	PROPN
fsr-3388	21	10	(	(	PUNCT
fsr-3388	21	11	2008	2008	NUM
fsr-3388	21	12	)	)	PUNCT
fsr-3388	21	13	,	,	PUNCT
fsr-3388	21	14	provide	provide	VERB
fsr-3388	21	15	no	no	DET
fsr-3388	21	16	information	information	NOUN
fsr-3388	21	17	about	about	ADP
fsr-3388	21	18	the	the	DET
fsr-3388	21	19	value	value	NOUN
fsr-3388	21	20	of	of	ADP
fsr-3388	21	21	fers	fer	NOUN
fsr-3388	21	22	annuity	annuity	NOUN
fsr-3388	21	23	insurance	insurance	NOUN
fsr-3388	21	24	.	.	PUNCT
fsr-3388	22	1	we	we	PRON
fsr-3388	22	2	add	add	VERB
fsr-3388	22	3	to	to	ADP
fsr-3388	22	4	the	the	DET
fsr-3388	22	5	literature	literature	NOUN
fsr-3388	22	6	by	by	ADP
fsr-3388	22	7	examining	examine	VERB
fsr-3388	22	8	the	the	DET
fsr-3388	22	9	costs	cost	NOUN
fsr-3388	22	10	and	and	CCONJ
fsr-3388	22	11	benefits	benefit	NOUN
fsr-3388	22	12	of	of	ADP
fsr-3388	22	13	the	the	DET
fsr-3388	22	14	fers	fer	NOUN
fsr-3388	22	15	survivor	survivor	NOUN
fsr-3388	22	16	annuity	annuity	NOUN
fsr-3388	22	17	for	for	ADP
fsr-3388	22	18	individuals	individual	NOUN
fsr-3388	22	19	.	.	PUNCT
fsr-3388	23	1	in	in	ADP
fsr-3388	23	2	the	the	DET
fsr-3388	23	3	remaining	remain	VERB
fsr-3388	23	4	sections	section	NOUN
fsr-3388	23	5	,	,	PUNCT
fsr-3388	23	6	we	we	PRON
fsr-3388	23	7	review	review	VERB
fsr-3388	23	8	the	the	DET
fsr-3388	23	9	parameters	parameter	NOUN
fsr-3388	23	10	of	of	ADP
fsr-3388	23	11	the	the	DET
fsr-3388	23	12	fers	fer	NOUN
fsr-3388	23	13	system	system	NOUN
fsr-3388	23	14	,	,	PUNCT
fsr-3388	23	15	describe	describe	VERB
fsr-3388	23	16	our	our	PRON
fsr-3388	23	17	simulation	simulation	NOUN
fsr-3388	23	18	methods	method	NOUN
fsr-3388	23	19	,	,	PUNCT
fsr-3388	23	20	and	and	CCONJ
fsr-3388	23	21	present	present	VERB
fsr-3388	23	22	our	our	PRON
fsr-3388	23	23	simulation	simulation	NOUN
fsr-3388	23	24	results	result	NOUN
fsr-3388	23	25	.	.	PUNCT
fsr-3388	24	1	after	after	ADP
fsr-3388	24	2	discussing	discuss	VERB
fsr-3388	24	3	the	the	DET
fsr-3388	24	4	robustness	robustness	NOUN
fsr-3388	24	5	and	and	CCONJ
fsr-3388	24	6	limitations	limitation	NOUN
fsr-3388	24	7	of	of	ADP
fsr-3388	24	8	our	our	PRON
fsr-3388	24	9	approach	approach	NOUN
fsr-3388	24	10	,	,	PUNCT
fsr-3388	24	11	we	we	PRON
fsr-3388	24	12	conclude	conclude	VERB
fsr-3388	24	13	with	with	ADP
fsr-3388	24	14	implications	implication	NOUN
fsr-3388	24	15	for	for	ADP
fsr-3388	24	16	federal	federal	ADJ
fsr-3388	24	17	retirees	retiree	NOUN
fsr-3388	24	18	.	.	PUNCT
fsr-3388	25	1	1.1	1.1	NUM
fsr-3388	25	2	.	.	PUNCT
fsr-3388	26	1	federal	federal	ADJ
fsr-3388	26	2	employee	employee	NOUN
fsr-3388	26	3	retirement	retirement	NOUN
fsr-3388	26	4	and	and	CCONJ
fsr-3388	26	5	the	the	DET
fsr-3388	26	6	joint	joint	ADJ
fsr-3388	26	7	and	and	CCONJ
fsr-3388	26	8	survivor	survivor	NOUN
fsr-3388	26	9	annuity	annuity	NOUN
fsr-3388	26	10	while	while	SCONJ
fsr-3388	26	11	defined	define	VERB
fsr-3388	26	12	-	-	PUNCT
fsr-3388	26	13	benefit	benefit	NOUN
fsr-3388	26	14	plans	plan	NOUN
fsr-3388	26	15	are	be	AUX
fsr-3388	26	16	becoming	become	VERB
fsr-3388	26	17	scarce	scarce	ADJ
fsr-3388	26	18	for	for	ADP
fsr-3388	26	19	private	private	ADJ
fsr-3388	26	20	sector	sector	NOUN
fsr-3388	26	21	workers	worker	NOUN
fsr-3388	26	22	,	,	PUNCT
fsr-3388	26	23	various	various	ADJ
fsr-3388	26	24	government	government	NOUN
fsr-3388	26	25	employees	employee	NOUN
fsr-3388	26	26	continue	continue	VERB
fsr-3388	26	27	to	to	PART
fsr-3388	26	28	earn	earn	VERB
fsr-3388	26	29	defined	define	VERB
fsr-3388	26	30	-	-	PUNCT
fsr-3388	26	31	benefit	benefit	NOUN
fsr-3388	26	32	retirements	retirement	NOUN
fsr-3388	26	33	.	.	PUNCT
fsr-3388	27	1	federal	federal	ADJ
fsr-3388	27	2	government	government	NOUN
fsr-3388	27	3	employees	employee	NOUN
fsr-3388	27	4	,	,	PUNCT
fsr-3388	27	5	for	for	ADP
fsr-3388	27	6	example	example	NOUN
fsr-3388	27	7	,	,	PUNCT
fsr-3388	27	8	are	be	AUX
fsr-3388	27	9	eligible	eligible	ADJ
fsr-3388	27	10	for	for	ADP
fsr-3388	27	11	the	the	DET
fsr-3388	27	12	fers	fer	NOUN
fsr-3388	27	13	and	and	CCONJ
fsr-3388	27	14	can	can	AUX
fsr-3388	27	15	receive	receive	VERB
fsr-3388	27	16	a	a	DET
fsr-3388	27	17	lifetime	lifetime	NOUN
fsr-3388	27	18	annuity	annuity	NOUN
fsr-3388	27	19	after	after	ADP
fsr-3388	27	20	as	as	ADV
fsr-3388	27	21	few	few	ADJ
fsr-3388	27	22	as	as	ADP
fsr-3388	27	23	5	5	NUM
fsr-3388	27	24	years	year	NOUN
fsr-3388	27	25	.	.	PUNCT
fsr-3388	28	1	for	for	ADP
fsr-3388	28	2	those	those	PRON
fsr-3388	28	3	under	under	ADP
fsr-3388	28	4	62	62	NUM
fsr-3388	28	5	,	,	PUNCT
fsr-3388	28	6	fers	fer	NOUN
fsr-3388	28	7	utilizes	utilize	VERB
fsr-3388	28	8	a	a	DET
fsr-3388	28	9	minimum	minimum	ADJ
fsr-3388	28	10	retirement	retirement	NOUN
fsr-3388	28	11	age	age	NOUN
fsr-3388	28	12	(	(	PUNCT
fsr-3388	28	13	mra	mra	NOUN
fsr-3388	28	14	,	,	PUNCT
fsr-3388	28	15	analogous	analogous	ADJ
fsr-3388	28	16	to	to	ADP
fsr-3388	28	17	social	social	ADJ
fsr-3388	28	18	security	security	NOUN
fsr-3388	28	19	’s	’s	PART
fsr-3388	28	20	full	full	ADJ
fsr-3388	28	21	retirement	retirement	NOUN
fsr-3388	28	22	age	age	NOUN
fsr-3388	28	23	,	,	PUNCT
fsr-3388	28	24	fra	fra	NOUN
fsr-3388	28	25	)	)	PUNCT
fsr-3388	28	26	to	to	PART
fsr-3388	28	27	determine	determine	VERB
fsr-3388	28	28	eligibility	eligibility	NOUN
fsr-3388	28	29	.	.	PUNCT
fsr-3388	29	1	for	for	ADP
fsr-3388	29	2	most	most	ADJ
fsr-3388	29	3	fers	fer	NOUN
fsr-3388	29	4	retirees	retiree	NOUN
fsr-3388	29	5	,	,	PUNCT
fsr-3388	29	6	the	the	DET
fsr-3388	29	7	amount	amount	NOUN
fsr-3388	29	8	of	of	ADP
fsr-3388	29	9	their	their	PRON
fsr-3388	29	10	annuity	annuity	NOUN
fsr-3388	29	11	is	be	AUX
fsr-3388	29	12	based	base	VERB
fsr-3388	29	13	on	on	ADP
fsr-3388	29	14	a	a	DET
fsr-3388	29	15	formula	formula	NOUN
fsr-3388	29	16	that	that	PRON
fsr-3388	29	17	gives	give	VERB
fsr-3388	29	18	retirees	retiree	NOUN
fsr-3388	29	19	1	1	NUM
fsr-3388	29	20	%	%	NOUN
fsr-3388	29	21	credit	credit	NOUN
fsr-3388	29	22	for	for	ADP
fsr-3388	29	23	each	each	DET
fsr-3388	29	24	year	year	NOUN
fsr-3388	29	25	of	of	ADP
fsr-3388	29	26	service	service	NOUN
fsr-3388	29	27	.	.	PUNCT
fsr-3388	30	1	their	their	PRON
fsr-3388	30	2	total	total	ADJ
fsr-3388	30	3	percentage	percentage	NOUN
fsr-3388	30	4	is	be	AUX
fsr-3388	30	5	then	then	ADV
fsr-3388	30	6	applied	apply	VERB
fsr-3388	30	7	to	to	ADP
fsr-3388	30	8	their	their	PRON
fsr-3388	30	9	average	average	ADJ
fsr-3388	30	10	salary	salary	NOUN
fsr-3388	30	11	during	during	ADP
fsr-3388	30	12	the	the	DET
fsr-3388	30	13	36	36	NUM
fsr-3388	30	14	-	-	PUNCT
fsr-3388	30	15	month	month	NOUN
fsr-3388	30	16	period	period	NOUN
fsr-3388	30	17	during	during	ADP
fsr-3388	30	18	which	which	PRON
fsr-3388	30	19	their	their	PRON
fsr-3388	30	20	pay	pay	NOUN
fsr-3388	30	21	was	be	AUX
fsr-3388	30	22	highest	high	ADJ
fsr-3388	30	23	(	(	PUNCT
fsr-3388	30	24	high-3	high-3	NUM
fsr-3388	30	25	)	)	PUNCT
fsr-3388	30	26	.	.	PUNCT
fsr-3388	31	1	for	for	ADP
fsr-3388	31	2	example	example	NOUN
fsr-3388	31	3	,	,	PUNCT
fsr-3388	31	4	an	an	DET
fsr-3388	31	5	employee	employee	NOUN
fsr-3388	31	6	who	who	PRON
fsr-3388	31	7	retired	retire	VERB
fsr-3388	31	8	after	after	ADP
fsr-3388	31	9	exactly	exactly	ADV
fsr-3388	31	10	20	20	NUM
fsr-3388	31	11	years	year	NOUN
fsr-3388	31	12	with	with	ADP
fsr-3388	31	13	a	a	DET
fsr-3388	31	14	high	high	ADJ
fsr-3388	31	15	-	-	PUNCT
fsr-3388	31	16	three	three	NUM
fsr-3388	31	17	average	average	ADJ
fsr-3388	31	18	salary	salary	NOUN
fsr-3388	31	19	of	of	ADP
fsr-3388	31	20	$	$	SYM
fsr-3388	31	21	50,000	50,000	NUM
fsr-3388	31	22	would	would	AUX
fsr-3388	31	23	be	be	AUX
fsr-3388	31	24	eligible	eligible	ADJ
fsr-3388	31	25	for	for	ADP
fsr-3388	31	26	a	a	DET
fsr-3388	31	27	$	$	SYM
fsr-3388	31	28	10,000	10,000	NUM
fsr-3388	31	29	yearly	yearly	ADJ
fsr-3388	31	30	annuity	annuity	NOUN
fsr-3388	31	31	(	(	PUNCT
fsr-3388	31	32	20	20	NUM
fsr-3388	31	33	%	%	NOUN
fsr-3388	31	34	of	of	ADP
fsr-3388	31	35	$	$	SYM
fsr-3388	31	36	50,000	50,000	NUM
fsr-3388	31	37	)	)	PUNCT
fsr-3388	31	38	.	.	PUNCT
fsr-3388	32	1	after	after	ADP
fsr-3388	32	2	5	5	NUM
fsr-3388	32	3	years	year	NOUN
fsr-3388	32	4	of	of	ADP
fsr-3388	32	5	service	service	NOUN
fsr-3388	32	6	,	,	PUNCT
fsr-3388	32	7	government	government	NOUN
fsr-3388	32	8	workers	worker	NOUN
fsr-3388	32	9	qualify	qualify	VERB
fsr-3388	32	10	for	for	ADP
fsr-3388	32	11	a	a	DET
fsr-3388	32	12	retirement	retirement	NOUN
fsr-3388	32	13	—	—	PUNCT
fsr-3388	32	14	however	however	ADV
fsr-3388	32	15	,	,	PUNCT
fsr-3388	32	16	if	if	SCONJ
fsr-3388	32	17	they	they	PRON
fsr-3388	32	18	have	have	VERB
fsr-3388	32	19	less	less	ADJ
fsr-3388	32	20	than	than	ADP
fsr-3388	32	21	10	10	NUM
fsr-3388	32	22	years	year	NOUN
fsr-3388	32	23	of	of	ADP
fsr-3388	32	24	service	service	NOUN
fsr-3388	32	25	,	,	PUNCT
fsr-3388	32	26	they	they	PRON
fsr-3388	32	27	must	must	AUX
fsr-3388	32	28	wait	wait	VERB
fsr-3388	32	29	until	until	ADP
fsr-3388	32	30	age	age	NOUN
fsr-3388	32	31	62	62	NUM
fsr-3388	32	32	to	to	PART
fsr-3388	32	33	initiate	initiate	VERB
fsr-3388	32	34	their	their	PRON
fsr-3388	32	35	benefits	benefit	NOUN
fsr-3388	32	36	.	.	PUNCT
fsr-3388	33	1	currently	currently	ADV
fsr-3388	33	2	,	,	PUNCT
fsr-3388	33	3	the	the	DET
fsr-3388	33	4	mra	mra	NOUN
fsr-3388	33	5	is	be	AUX
fsr-3388	33	6	56	56	NUM
fsr-3388	33	7	if	if	SCONJ
fsr-3388	33	8	the	the	DET
fsr-3388	33	9	worker	worker	NOUN
fsr-3388	33	10	has	have	VERB
fsr-3388	33	11	at	at	ADV
fsr-3388	33	12	least	least	ADV
fsr-3388	33	13	10	10	NUM
fsr-3388	33	14	years	year	NOUN
fsr-3388	33	15	of	of	ADP
fsr-3388	33	16	service	service	NOUN
fsr-3388	33	17	.	.	PUNCT
fsr-3388	34	1	a	a	DET
fsr-3388	34	2	retirement	retirement	NOUN
fsr-3388	34	3	based	base	VERB
fsr-3388	34	4	on	on	ADP
fsr-3388	34	5	mra	mra	PROPN
fsr-3388	34	6	is	be	AUX
fsr-3388	34	7	typically	typically	ADV
fsr-3388	34	8	accompanied	accompany	VERB
fsr-3388	34	9	by	by	ADP
fsr-3388	34	10	a	a	DET
fsr-3388	34	11	5	5	NUM
fsr-3388	34	12	%	%	NOUN
fsr-3388	34	13	per	per	ADP
fsr-3388	34	14	year	year	NOUN
fsr-3388	34	15	reduction	reduction	NOUN
fsr-3388	34	16	in	in	ADP
fsr-3388	34	17	the	the	DET
fsr-3388	34	18	retiree	retiree	NOUN
fsr-3388	34	19	’s	’s	PART
fsr-3388	34	20	annuity	annuity	NOUN
fsr-3388	34	21	for	for	ADP
fsr-3388	34	22	each	each	DET
fsr-3388	34	23	year	year	NOUN
fsr-3388	34	24	short	short	ADV
fsr-3388	34	25	of	of	ADP
fsr-3388	34	26	age	age	NOUN
fsr-3388	34	27	62	62	NUM
fsr-3388	34	28	.	.	PUNCT
fsr-3388	35	1	however	however	ADV
fsr-3388	35	2	,	,	PUNCT
fsr-3388	35	3	with	with	ADP
fsr-3388	35	4	20	20	NUM
fsr-3388	35	5	years	year	NOUN
fsr-3388	35	6	of	of	ADP
fsr-3388	35	7	service	service	NOUN
fsr-3388	35	8	,	,	PUNCT
fsr-3388	35	9	a	a	DET
fsr-3388	35	10	government	government	NOUN
fsr-3388	35	11	worker	worker	NOUN
fsr-3388	35	12	can	can	AUX
fsr-3388	35	13	retire	retire	VERB
fsr-3388	35	14	at	at	ADP
fsr-3388	35	15	age	age	NOUN
fsr-3388	35	16	60	60	NUM
fsr-3388	35	17	without	without	ADP
fsr-3388	35	18	an	an	DET
fsr-3388	35	19	accompanying	accompanying	ADJ
fsr-3388	35	20	annuity	annuity	NOUN
fsr-3388	35	21	reduction	reduction	NOUN
fsr-3388	35	22	;	;	PUNCT
fsr-3388	35	23	if	if	SCONJ
fsr-3388	35	24	the	the	DET
fsr-3388	35	25	annuitant	annuitant	NOUN
fsr-3388	35	26	has	have	VERB
fsr-3388	35	27	30	30	NUM
fsr-3388	35	28	years	year	NOUN
fsr-3388	35	29	of	of	ADP
fsr-3388	35	30	service	service	NOUN
fsr-3388	35	31	,	,	PUNCT
fsr-3388	35	32	they	they	PRON
fsr-3388	35	33	can	can	AUX
fsr-3388	35	34	retire	retire	VERB
fsr-3388	35	35	at	at	ADP
fsr-3388	35	36	age	age	NOUN
fsr-3388	35	37	55	55	NUM
fsr-3388	35	38	without	without	ADP
fsr-3388	35	39	a	a	DET
fsr-3388	35	40	reduction	reduction	NOUN
fsr-3388	35	41	to	to	ADP
fsr-3388	35	42	their	their	PRON
fsr-3388	35	43	annuity	annuity	NOUN
fsr-3388	35	44	.	.	PUNCT
fsr-3388	36	1	however	however	ADV
fsr-3388	36	2	,	,	PUNCT
fsr-3388	36	3	two	two	NUM
fsr-3388	36	4	incentives	incentive	NOUN
fsr-3388	36	5	exist	exist	VERB
fsr-3388	36	6	that	that	PRON
fsr-3388	36	7	encourage	encourage	VERB
fsr-3388	36	8	federal	federal	ADJ
fsr-3388	36	9	workers	worker	NOUN
fsr-3388	36	10	to	to	PART
fsr-3388	36	11	continue	continue	VERB
fsr-3388	36	12	working	work	VERB
fsr-3388	36	13	until	until	ADP
fsr-3388	36	14	age	age	NOUN
fsr-3388	36	15	62	62	NUM
fsr-3388	36	16	:	:	SYM
fsr-3388	36	17	1	1	X
fsr-3388	36	18	.	.	PUNCT
fsr-3388	37	1	retirees	retiree	NOUN
fsr-3388	37	2	younger	young	ADJ
fsr-3388	37	3	than	than	ADP
fsr-3388	37	4	62	62	NUM
fsr-3388	37	5	are	be	AUX
fsr-3388	37	6	initially	initially	ADV
fsr-3388	37	7	ineligible	ineligible	ADJ
fsr-3388	37	8	for	for	ADP
fsr-3388	37	9	cost	cost	NOUN
fsr-3388	37	10	of	of	ADP
fsr-3388	37	11	living	live	VERB
fsr-3388	37	12	adjustments	adjustment	NOUN
fsr-3388	37	13	;	;	PUNCT
fsr-3388	37	14	2	2	X
fsr-3388	37	15	.	.	X
fsr-3388	37	16	new	new	ADJ
fsr-3388	37	17	retirees	retiree	NOUN
fsr-3388	37	18	older	old	ADJ
fsr-3388	37	19	than	than	ADP
fsr-3388	37	20	62	62	NUM
fsr-3388	37	21	,	,	PUNCT
fsr-3388	37	22	with	with	ADP
fsr-3388	37	23	at	at	ADV
fsr-3388	37	24	least	least	ADV
fsr-3388	37	25	20	20	NUM
fsr-3388	37	26	years	year	NOUN
fsr-3388	37	27	,	,	PUNCT
fsr-3388	37	28	earn	earn	VERB
fsr-3388	37	29	1.1	1.1	NUM
fsr-3388	37	30	%	%	NOUN
fsr-3388	37	31	credit	credit	NOUN
fsr-3388	37	32	for	for	ADP
fsr-3388	37	33	each	each	DET
fsr-3388	37	34	year	year	NOUN
fsr-3388	37	35	of	of	ADP
fsr-3388	37	36	service	service	NOUN
fsr-3388	37	37	instead	instead	ADV
fsr-3388	37	38	of	of	ADP
fsr-3388	37	39	1	1	NUM
fsr-3388	37	40	%	%	NOUN
fsr-3388	37	41	.	.	PUNCT
fsr-3388	38	1	the	the	DET
fsr-3388	38	2	payments	payment	NOUN
fsr-3388	38	3	required	require	VERB
fsr-3388	38	4	to	to	PART
fsr-3388	38	5	support	support	VERB
fsr-3388	38	6	fers	fer	NOUN
fsr-3388	38	7	retirement	retirement	NOUN
fsr-3388	38	8	are	be	AUX
fsr-3388	38	9	significant	significant	ADJ
fsr-3388	38	10	.	.	PUNCT
fsr-3388	39	1	the	the	DET
fsr-3388	39	2	cbo	cbo	PROPN
fsr-3388	39	3	reports	report	VERB
fsr-3388	39	4	the	the	DET
fsr-3388	39	5	federal	federal	ADJ
fsr-3388	39	6	government	government	NOUN
fsr-3388	39	7	contributed	contribute	VERB
fsr-3388	39	8	about	about	ADV
fsr-3388	39	9	$	$	SYM
fsr-3388	39	10	26	26	NUM
fsr-3388	39	11	billion	billion	NUM
fsr-3388	39	12	to	to	ADP
fsr-3388	39	13	fers	fer	NOUN
fsr-3388	39	14	in	in	ADP
fsr-3388	39	15	2014	2014	NUM
fsr-3388	39	16	(	(	PUNCT
fsr-3388	39	17	cbo	cbo	PROPN
fsr-3388	39	18	,	,	PUNCT
fsr-3388	39	19	2016	2016	NUM
fsr-3388	39	20	)	)	PUNCT
fsr-3388	39	21	.	.	PUNCT
fsr-3388	40	1	further	far	ADV
fsr-3388	40	2	,	,	PUNCT
fsr-3388	40	3	government	government	NOUN
fsr-3388	40	4	contributions	contribution	NOUN
fsr-3388	40	5	are	be	AUX
fsr-3388	40	6	expected	expect	VERB
fsr-3388	40	7	to	to	PART
fsr-3388	40	8	exceed	exceed	VERB
fsr-3388	40	9	$	$	SYM
fsr-3388	40	10	50	50	NUM
fsr-3388	40	11	billion	billion	NUM
fsr-3388	40	12	by	by	ADP
fsr-3388	40	13	2027	2027	NUM
fsr-3388	40	14	.	.	PUNCT
fsr-3388	41	1	senators	senator	NOUN
fsr-3388	41	2	richard	richard	PROPN
fsr-3388	41	3	burr	burr	PROPN
fsr-3388	41	4	(	(	PUNCT
fsr-3388	41	5	r	r	PROPN
fsr-3388	41	6	-	-	PUNCT
fsr-3388	41	7	nc	nc	PROPN
fsr-3388	41	8	)	)	PUNCT
fsr-3388	41	9	,	,	PUNCT
fsr-3388	41	10	tom	tom	PROPN
fsr-3388	41	11	coburn	coburn	PROPN
fsr-3388	41	12	(	(	PUNCT
fsr-3388	41	13	r	r	NOUN
fsr-3388	41	14	-	-	PUNCT
fsr-3388	41	15	ok	ok	ADJ
fsr-3388	41	16	)	)	PUNCT
fsr-3388	41	17	,	,	PUNCT
fsr-3388	41	18	and	and	CCONJ
fsr-3388	41	19	saxby	saxby	PROPN
fsr-3388	41	20	chambliss	chambliss	PROPN
fsr-3388	41	21	(	(	PUNCT
fsr-3388	41	22	r	r	NOUN
fsr-3388	41	23	-	-	PUNCT
fsr-3388	41	24	ga	ga	NOUN
fsr-3388	41	25	)	)	PUNCT
fsr-3388	41	26	introduced	introduce	VERB
fsr-3388	41	27	legislation	legislation	NOUN
fsr-3388	41	28	in	in	ADP
fsr-3388	41	29	2013	2013	NUM
fsr-3388	41	30	to	to	PART
fsr-3388	41	31	end	end	VERB
fsr-3388	41	32	this	this	DET
fsr-3388	41	33	defined	define	VERB
fsr-3388	41	34	benefit	benefit	NOUN
fsr-3388	41	35	pension	pension	NOUN
fsr-3388	41	36	(	(	PUNCT
fsr-3388	41	37	hicks	hick	NOUN
fsr-3388	41	38	,	,	PUNCT
fsr-3388	41	39	2013	2013	NUM
fsr-3388	41	40	)	)	PUNCT
fsr-3388	41	41	.	.	PUNCT
fsr-3388	42	1	more	more	ADV
fsr-3388	42	2	recently	recently	ADV
fsr-3388	42	3	,	,	PUNCT
fsr-3388	42	4	the	the	DET
fsr-3388	42	5	trump	trump	NOUN
fsr-3388	42	6	administration	administration	NOUN
fsr-3388	42	7	has	have	AUX
fsr-3388	42	8	called	call	VERB
fsr-3388	42	9	for	for	ADP
fsr-3388	42	10	severe	severe	ADJ
fsr-3388	42	11	cuts	cut	NOUN
fsr-3388	42	12	to	to	ADP
fsr-3388	42	13	the	the	DET
fsr-3388	42	14	entire	entire	ADJ
fsr-3388	42	15	fers	fer	NOUN
fsr-3388	42	16	program	program	NOUN
fsr-3388	42	17	(	(	PUNCT
fsr-3388	42	18	burr	burr	NOUN
fsr-3388	42	19	,	,	PUNCT
fsr-3388	42	20	2018	2018	NUM
fsr-3388	42	21	;	;	PUNCT
fsr-3388	42	22	davidson	davidson	NOUN
fsr-3388	42	23	,	,	PUNCT
fsr-3388	42	24	2017	2017	NUM
fsr-3388	42	25	)	)	PUNCT
fsr-3388	42	26	.	.	PUNCT
fsr-3388	43	1	unless	unless	SCONJ
fsr-3388	43	2	insured	insure	VERB
fsr-3388	43	3	,	,	PUNCT
fsr-3388	43	4	retirement	retirement	NOUN
fsr-3388	43	5	annuities	annuity	NOUN
fsr-3388	43	6	are	be	AUX
fsr-3388	43	7	only	only	ADV
fsr-3388	43	8	paid	pay	VERB
fsr-3388	43	9	until	until	SCONJ
fsr-3388	43	10	the	the	DET
fsr-3388	43	11	retiree	retiree	NOUN
fsr-3388	43	12	dies	die	VERB
fsr-3388	43	13	.	.	PUNCT
fsr-3388	44	1	the	the	DET
fsr-3388	44	2	fers	fer	NOUN
fsr-3388	44	3	annuity	annuity	NOUN
fsr-3388	44	4	insurance	insurance	NOUN
fsr-3388	44	5	program	program	NOUN
fsr-3388	44	6	offers	offer	VERB
fsr-3388	44	7	the	the	DET
fsr-3388	44	8	opportunity	opportunity	NOUN
fsr-3388	44	9	to	to	PART
fsr-3388	44	10	insure	insure	VERB
fsr-3388	44	11	either	either	PRON
fsr-3388	44	12	25	25	NUM
fsr-3388	44	13	%	%	NOUN
fsr-3388	44	14	or	or	CCONJ
fsr-3388	44	15	50	50	NUM
fsr-3388	44	16	%	%	NOUN
fsr-3388	44	17	of	of	ADP
fsr-3388	44	18	the	the	DET
fsr-3388	44	19	retiree	retiree	NOUN
fsr-3388	44	20	’s	’s	PART
fsr-3388	44	21	annuity	annuity	NOUN
fsr-3388	44	22	.	.	PUNCT
fsr-3388	45	1	more	more	ADV
fsr-3388	45	2	accurately	accurately	ADV
fsr-3388	45	3	,	,	PUNCT
fsr-3388	45	4	the	the	DET
fsr-3388	45	5	question	question	NOUN
fsr-3388	45	6	is	be	AUX
fsr-3388	45	7	whether	whether	SCONJ
fsr-3388	45	8	one	one	PRON
fsr-3388	45	9	should	should	AUX
fsr-3388	45	10	opt	opt	VERB
fsr-3388	45	11	out	out	ADP
fsr-3388	45	12	of	of	ADP
fsr-3388	45	13	the	the	DET
fsr-3388	45	14	benefit—50	benefit—50	PROPN
fsr-3388	45	15	%	%	NOUN
fsr-3388	45	16	joint	joint	NOUN
fsr-3388	45	17	and	and	CCONJ
fsr-3388	45	18	134	134	NUM
fsr-3388	45	19	k.	k.	NOUN
fsr-3388	45	20	davis	davis	PROPN
fsr-3388	45	21	et	et	PROPN
fsr-3388	45	22	al	al	PROPN
fsr-3388	45	23	.	.	PUNCT
fsr-3388	45	24	/	/	SYM
fsr-3388	45	25	financial	financial	ADJ
fsr-3388	45	26	services	service	NOUN
fsr-3388	45	27	review	review	VERB
fsr-3388	45	28	27	27	NUM
fsr-3388	45	29	(	(	PUNCT
fsr-3388	45	30	2018	2018	NUM
fsr-3388	45	31	)	)	PUNCT
fsr-3388	45	32	133	133	NUM
fsr-3388	45	33	-	-	SYM
fsr-3388	45	34	146	146	NUM
fsr-3388	45	35	survivor	survivor	NOUN
fsr-3388	45	36	is	be	AUX
fsr-3388	45	37	the	the	DET
fsr-3388	45	38	default	default	NOUN
fsr-3388	45	39	option	option	NOUN
fsr-3388	45	40	.	.	PUNCT
fsr-3388	46	1	(	(	PUNCT
fsr-3388	46	2	spousal	spousal	ADJ
fsr-3388	46	3	consent	consent	NOUN
fsr-3388	46	4	is	be	AUX
fsr-3388	46	5	required	require	VERB
fsr-3388	46	6	to	to	PART
fsr-3388	46	7	elect	elect	VERB
fsr-3388	46	8	a	a	DET
fsr-3388	46	9	25	25	NUM
fsr-3388	46	10	%	%	NOUN
fsr-3388	46	11	or	or	CCONJ
fsr-3388	46	12	0	0	NUM
fsr-3388	46	13	%	%	NOUN
fsr-3388	46	14	survivor	survivor	NOUN
fsr-3388	46	15	benefit	benefit	NOUN
fsr-3388	46	16	.	.	PUNCT
fsr-3388	46	17	)	)	PUNCT
fsr-3388	47	1	this	this	DET
fsr-3388	47	2	choice	choice	NOUN
fsr-3388	47	3	to	to	PART
fsr-3388	47	4	insure	insure	VERB
fsr-3388	47	5	the	the	DET
fsr-3388	47	6	benefit	benefit	NOUN
fsr-3388	47	7	is	be	AUX
fsr-3388	47	8	the	the	DET
fsr-3388	47	9	focus	focus	NOUN
fsr-3388	47	10	of	of	ADP
fsr-3388	47	11	our	our	PRON
fsr-3388	47	12	analysis	analysis	NOUN
fsr-3388	47	13	.	.	PUNCT
fsr-3388	48	1	jennings	jennings	PROPN
fsr-3388	48	2	and	and	CCONJ
fsr-3388	48	3	reichenstein	reichenstein	PROPN
fsr-3388	48	4	(	(	PUNCT
fsr-3388	48	5	2001	2001	NUM
fsr-3388	48	6	)	)	PUNCT
fsr-3388	48	7	examined	examine	VERB
fsr-3388	48	8	retirement	retirement	NOUN
fsr-3388	48	9	annuities	annuity	NOUN
fsr-3388	48	10	for	for	ADP
fsr-3388	48	11	members	member	NOUN
fsr-3388	48	12	of	of	ADP
fsr-3388	48	13	the	the	DET
fsr-3388	48	14	military	military	NOUN
fsr-3388	48	15	,	,	PUNCT
fsr-3388	48	16	outlining	outline	VERB
fsr-3388	48	17	a	a	DET
fsr-3388	48	18	valuation	valuation	NOUN
fsr-3388	48	19	method	method	NOUN
fsr-3388	48	20	while	while	SCONJ
fsr-3388	48	21	discussing	discuss	VERB
fsr-3388	48	22	the	the	DET
fsr-3388	48	23	portfolio	portfolio	NOUN
fsr-3388	48	24	and	and	CCONJ
fsr-3388	48	25	asset	asset	NOUN
fsr-3388	48	26	allocation	allocation	NOUN
fsr-3388	48	27	implications	implication	NOUN
fsr-3388	48	28	.	.	PUNCT
fsr-3388	49	1	they	they	PRON
fsr-3388	49	2	did	do	AUX
fsr-3388	49	3	not	not	PART
fsr-3388	49	4	directly	directly	ADV
fsr-3388	49	5	examine	examine	VERB
fsr-3388	49	6	the	the	DET
fsr-3388	49	7	costs	cost	NOUN
fsr-3388	49	8	and	and	CCONJ
fsr-3388	49	9	benefits	benefit	NOUN
fsr-3388	49	10	of	of	ADP
fsr-3388	49	11	the	the	DET
fsr-3388	49	12	insurance	insurance	NOUN
fsr-3388	49	13	decision	decision	NOUN
fsr-3388	49	14	.	.	PUNCT
fsr-3388	50	1	davis	davis	PROPN
fsr-3388	50	2	and	and	CCONJ
fsr-3388	50	3	fraser	fraser	PROPN
fsr-3388	50	4	(	(	PUNCT
fsr-3388	50	5	2012	2012	NUM
fsr-3388	50	6	)	)	PUNCT
fsr-3388	50	7	analyzed	analyze	VERB
fsr-3388	50	8	the	the	DET
fsr-3388	50	9	costs	cost	NOUN
fsr-3388	50	10	and	and	CCONJ
fsr-3388	50	11	benefits	benefit	NOUN
fsr-3388	50	12	of	of	ADP
fsr-3388	50	13	the	the	DET
fsr-3388	50	14	military	military	ADJ
fsr-3388	50	15	survivor	survivor	NOUN
fsr-3388	50	16	insurance	insurance	NOUN
fsr-3388	50	17	program	program	NOUN
fsr-3388	50	18	.	.	PUNCT
fsr-3388	51	1	this	this	DET
fsr-3388	51	2	article	article	NOUN
fsr-3388	51	3	builds	build	VERB
fsr-3388	51	4	on	on	ADP
fsr-3388	51	5	that	that	DET
fsr-3388	51	6	research	research	NOUN
fsr-3388	51	7	by	by	ADP
fsr-3388	51	8	examining	examine	VERB
fsr-3388	51	9	a	a	DET
fsr-3388	51	10	different	different	ADJ
fsr-3388	51	11	federal	federal	ADJ
fsr-3388	51	12	program	program	NOUN
fsr-3388	51	13	.	.	PUNCT
fsr-3388	52	1	we	we	PRON
fsr-3388	52	2	identify	identify	VERB
fsr-3388	52	3	the	the	DET
fsr-3388	52	4	relevant	relevant	ADJ
fsr-3388	52	5	factors	factor	NOUN
fsr-3388	52	6	underlying	underlie	VERB
fsr-3388	52	7	the	the	DET
fsr-3388	52	8	fers	fer	NOUN
fsr-3388	52	9	insurance	insurance	NOUN
fsr-3388	52	10	decision	decision	NOUN
fsr-3388	52	11	,	,	PUNCT
fsr-3388	52	12	modeling	modeling	NOUN
fsr-3388	52	13	and	and	CCONJ
fsr-3388	52	14	comparing	compare	VERB
fsr-3388	52	15	the	the	DET
fsr-3388	52	16	costs	cost	NOUN
fsr-3388	52	17	and	and	CCONJ
fsr-3388	52	18	benefits	benefit	NOUN
fsr-3388	52	19	of	of	ADP
fsr-3388	52	20	the	the	DET
fsr-3388	52	21	program	program	NOUN
fsr-3388	52	22	.	.	PUNCT
fsr-3388	53	1	our	our	PRON
fsr-3388	53	2	research	research	NOUN
fsr-3388	53	3	complements	complement	VERB
fsr-3388	53	4	the	the	DET
fsr-3388	53	5	work	work	NOUN
fsr-3388	53	6	of	of	ADP
fsr-3388	53	7	milevsky	milevsky	NOUN
fsr-3388	53	8	(	(	PUNCT
fsr-3388	53	9	2006	2006	NUM
fsr-3388	53	10	)	)	PUNCT
fsr-3388	53	11	who	who	PRON
fsr-3388	53	12	notes	note	VERB
fsr-3388	53	13	that	that	SCONJ
fsr-3388	53	14	retirees	retiree	NOUN
fsr-3388	53	15	tend	tend	VERB
fsr-3388	53	16	to	to	PART
fsr-3388	53	17	focus	focus	VERB
fsr-3388	53	18	too	too	ADV
fsr-3388	53	19	much	much	ADV
fsr-3388	53	20	on	on	ADP
fsr-3388	53	21	the	the	DET
fsr-3388	53	22	accumulation	accumulation	NOUN
fsr-3388	53	23	of	of	ADP
fsr-3388	53	24	wealth	wealth	NOUN
fsr-3388	53	25	and	and	CCONJ
fsr-3388	53	26	too	too	ADV
fsr-3388	53	27	little	little	ADJ
fsr-3388	53	28	on	on	ADP
fsr-3388	53	29	preparing	prepare	VERB
fsr-3388	53	30	how	how	SCONJ
fsr-3388	53	31	to	to	PART
fsr-3388	53	32	spend	spend	VERB
fsr-3388	53	33	or	or	CCONJ
fsr-3388	53	34	protect	protect	VERB
fsr-3388	53	35	wealth	wealth	NOUN
fsr-3388	53	36	.	.	PUNCT
fsr-3388	54	1	2	2	X
fsr-3388	54	2	.	.	X
fsr-3388	54	3	the	the	DET
fsr-3388	54	4	fers	fer	NOUN
fsr-3388	54	5	survivor	survivor	NOUN
fsr-3388	54	6	benefit	benefit	NOUN
fsr-3388	54	7	annuity	annuity	NOUN
fsr-3388	54	8	2.1	2.1	NUM
fsr-3388	54	9	.	.	PUNCT
fsr-3388	55	1	general	general	ADJ
fsr-3388	55	2	decision	decision	NOUN
fsr-3388	55	3	factors	factor	VERB
fsr-3388	55	4	the	the	DET
fsr-3388	55	5	fers	fer	NOUN
fsr-3388	55	6	insurance	insurance	NOUN
fsr-3388	55	7	decision	decision	NOUN
fsr-3388	55	8	occurs	occur	VERB
fsr-3388	55	9	at	at	ADP
fsr-3388	55	10	retirement	retirement	NOUN
fsr-3388	55	11	.	.	PUNCT
fsr-3388	56	1	if	if	SCONJ
fsr-3388	56	2	the	the	DET
fsr-3388	56	3	joint	joint	ADJ
fsr-3388	56	4	and	and	CCONJ
fsr-3388	56	5	survivor	survivor	NOUN
fsr-3388	56	6	option	option	NOUN
fsr-3388	56	7	is	be	AUX
fsr-3388	56	8	not	not	PART
fsr-3388	56	9	selected	select	VERB
fsr-3388	56	10	within	within	ADP
fsr-3388	56	11	30	30	NUM
fsr-3388	56	12	days	day	NOUN
fsr-3388	56	13	of	of	ADP
fsr-3388	56	14	retirement	retirement	NOUN
fsr-3388	56	15	,	,	PUNCT
fsr-3388	56	16	a	a	DET
fsr-3388	56	17	retired	retire	VERB
fsr-3388	56	18	federal	federal	ADJ
fsr-3388	56	19	employee	employee	NOUN
fsr-3388	56	20	’s	’s	PART
fsr-3388	56	21	retirement	retirement	NOUN
fsr-3388	56	22	income	income	NOUN
fsr-3388	56	23	ceases	cease	VERB
fsr-3388	56	24	upon	upon	SCONJ
fsr-3388	56	25	death	death	NOUN
fsr-3388	56	26	.	.	PUNCT
fsr-3388	57	1	if	if	SCONJ
fsr-3388	57	2	fers	fer	NOUN
fsr-3388	57	3	insurance	insurance	NOUN
fsr-3388	57	4	is	be	AUX
fsr-3388	57	5	not	not	PART
fsr-3388	57	6	declined	decline	VERB
fsr-3388	57	7	,	,	PUNCT
fsr-3388	57	8	the	the	DET
fsr-3388	57	9	retiree	retiree	NOUN
fsr-3388	57	10	must	must	AUX
fsr-3388	57	11	choose	choose	VERB
fsr-3388	57	12	to	to	PART
fsr-3388	57	13	insure	insure	VERB
fsr-3388	57	14	either	either	PRON
fsr-3388	57	15	25	25	NUM
fsr-3388	57	16	%	%	NOUN
fsr-3388	57	17	or	or	CCONJ
fsr-3388	57	18	50	50	NUM
fsr-3388	57	19	%	%	NOUN
fsr-3388	57	20	of	of	ADP
fsr-3388	57	21	their	their	PRON
fsr-3388	57	22	retirement	retirement	NOUN
fsr-3388	57	23	annuity	annuity	NOUN
fsr-3388	57	24	.	.	PUNCT
fsr-3388	58	1	for	for	ADP
fsr-3388	58	2	example	example	NOUN
fsr-3388	58	3	,	,	PUNCT
fsr-3388	58	4	a	a	DET
fsr-3388	58	5	retiree	retiree	NOUN
fsr-3388	58	6	receiving	receive	VERB
fsr-3388	58	7	$	$	SYM
fsr-3388	58	8	1,000	1,000	NUM
fsr-3388	58	9	a	a	DET
fsr-3388	58	10	month	month	NOUN
fsr-3388	58	11	,	,	PUNCT
fsr-3388	58	12	who	who	PRON
fsr-3388	58	13	chooses	choose	VERB
fsr-3388	58	14	to	to	PART
fsr-3388	58	15	insure	insure	VERB
fsr-3388	58	16	50	50	NUM
fsr-3388	58	17	%	%	NOUN
fsr-3388	58	18	,	,	PUNCT
fsr-3388	58	19	provides	provide	VERB
fsr-3388	58	20	$	$	SYM
fsr-3388	58	21	500	500	NUM
fsr-3388	58	22	each	each	DET
fsr-3388	58	23	month	month	NOUN
fsr-3388	58	24	to	to	ADP
fsr-3388	58	25	their	their	PRON
fsr-3388	58	26	surviving	surviving	NOUN
fsr-3388	58	27	spouse	spouse	NOUN
fsr-3388	58	28	.	.	PUNCT
fsr-3388	59	1	the	the	DET
fsr-3388	59	2	premium	premium	NOUN
fsr-3388	59	3	to	to	PART
fsr-3388	59	4	insure	insure	VERB
fsr-3388	59	5	the	the	DET
fsr-3388	59	6	50	50	NUM
fsr-3388	59	7	%	%	NOUN
fsr-3388	59	8	benefit	benefit	NOUN
fsr-3388	59	9	is	be	AUX
fsr-3388	59	10	10	10	NUM
fsr-3388	59	11	%	%	NOUN
fsr-3388	59	12	of	of	ADP
fsr-3388	59	13	the	the	DET
fsr-3388	59	14	retiree	retiree	NOUN
fsr-3388	59	15	’s	’s	PART
fsr-3388	59	16	full	full	ADJ
fsr-3388	59	17	annuity	annuity	NOUN
fsr-3388	59	18	.	.	PUNCT
fsr-3388	60	1	the	the	DET
fsr-3388	60	2	premium	premium	NOUN
fsr-3388	60	3	for	for	ADP
fsr-3388	60	4	the	the	DET
fsr-3388	60	5	25	25	NUM
fsr-3388	60	6	%	%	NOUN
fsr-3388	60	7	benefit	benefit	NOUN
fsr-3388	60	8	is	be	AUX
fsr-3388	60	9	5	5	NUM
fsr-3388	60	10	%	%	NOUN
fsr-3388	60	11	of	of	ADP
fsr-3388	60	12	the	the	DET
fsr-3388	60	13	retiree	retiree	NOUN
fsr-3388	60	14	’s	’s	PART
fsr-3388	60	15	annuity	annuity	NOUN
fsr-3388	60	16	.	.	PUNCT
fsr-3388	61	1	continuing	continue	VERB
fsr-3388	61	2	our	our	PRON
fsr-3388	61	3	example	example	NOUN
fsr-3388	61	4	,	,	PUNCT
fsr-3388	61	5	a	a	DET
fsr-3388	61	6	retiree	retiree	NOUN
fsr-3388	61	7	with	with	ADP
fsr-3388	61	8	a	a	DET
fsr-3388	61	9	gross	gross	ADJ
fsr-3388	61	10	retirement	retirement	NOUN
fsr-3388	61	11	benefit	benefit	NOUN
fsr-3388	61	12	of	of	ADP
fsr-3388	61	13	$	$	SYM
fsr-3388	61	14	1,000	1,000	NUM
fsr-3388	61	15	/	/	SYM
fsr-3388	61	16	month	month	NOUN
fsr-3388	61	17	,	,	PUNCT
fsr-3388	61	18	who	who	PRON
fsr-3388	61	19	elects	elect	VERB
fsr-3388	61	20	to	to	PART
fsr-3388	61	21	insure	insure	VERB
fsr-3388	61	22	50	50	NUM
fsr-3388	61	23	%	%	NOUN
fsr-3388	61	24	,	,	PUNCT
fsr-3388	61	25	will	will	AUX
fsr-3388	61	26	pay	pay	VERB
fsr-3388	61	27	an	an	DET
fsr-3388	61	28	insurance	insurance	NOUN
fsr-3388	61	29	amount	amount	NOUN
fsr-3388	61	30	of	of	ADP
fsr-3388	61	31	$	$	SYM
fsr-3388	61	32	100	100	NUM
fsr-3388	61	33	/	/	SYM
fsr-3388	61	34	month	month	NOUN
fsr-3388	61	35	during	during	ADP
fsr-3388	61	36	the	the	DET
fsr-3388	61	37	insured	insure	VERB
fsr-3388	61	38	spouse	spouse	NOUN
fsr-3388	61	39	’s	’s	PART
fsr-3388	61	40	lifetime	lifetime	NOUN
fsr-3388	61	41	.	.	PUNCT
fsr-3388	62	1	this	this	DET
fsr-3388	62	2	payment	payment	NOUN
fsr-3388	62	3	is	be	AUX
fsr-3388	62	4	pretax	pretax	ADJ
fsr-3388	62	5	and	and	CCONJ
fsr-3388	62	6	reduces	reduce	VERB
fsr-3388	62	7	the	the	DET
fsr-3388	62	8	retiree	retiree	NOUN
fsr-3388	62	9	’s	’s	PART
fsr-3388	62	10	net	net	ADJ
fsr-3388	62	11	pretax	pretax	ADJ
fsr-3388	62	12	retirement	retirement	NOUN
fsr-3388	62	13	from	from	ADP
fsr-3388	62	14	$	$	SYM
fsr-3388	62	15	1,000	1,000	NUM
fsr-3388	62	16	/	/	SYM
fsr-3388	62	17	month	month	NOUN
fsr-3388	62	18	to	to	ADP
fsr-3388	62	19	$	$	SYM
fsr-3388	62	20	900	900	NUM
fsr-3388	62	21	/	/	SYM
fsr-3388	62	22	month	month	NOUN
fsr-3388	62	23	.	.	PUNCT
fsr-3388	63	1	each	each	PRON
fsr-3388	63	2	of	of	ADP
fsr-3388	63	3	the	the	DET
fsr-3388	63	4	factors	factor	NOUN
fsr-3388	63	5	in	in	ADP
fsr-3388	63	6	table	table	NOUN
fsr-3388	63	7	1	1	NUM
fsr-3388	63	8	plays	play	VERB
fsr-3388	63	9	a	a	DET
fsr-3388	63	10	role	role	NOUN
fsr-3388	63	11	in	in	ADP
fsr-3388	63	12	the	the	DET
fsr-3388	63	13	fers	fer	NOUN
fsr-3388	63	14	insurance	insurance	NOUN
fsr-3388	63	15	selection	selection	NOUN
fsr-3388	63	16	.	.	PUNCT
fsr-3388	64	1	before	before	ADP
fsr-3388	64	2	making	make	VERB
fsr-3388	64	3	a	a	DET
fsr-3388	64	4	final	final	ADJ
fsr-3388	64	5	decision	decision	NOUN
fsr-3388	64	6	,	,	PUNCT
fsr-3388	64	7	retirees	retiree	NOUN
fsr-3388	64	8	should	should	AUX
fsr-3388	64	9	consider	consider	VERB
fsr-3388	64	10	the	the	DET
fsr-3388	64	11	asset	asset	NOUN
fsr-3388	64	12	allocation	allocation	NOUN
fsr-3388	64	13	implications	implication	NOUN
fsr-3388	64	14	discussed	discuss	VERB
fsr-3388	64	15	in	in	ADP
fsr-3388	64	16	jennings	jennings	PROPN
fsr-3388	64	17	and	and	CCONJ
fsr-3388	64	18	reichenstein	reichenstein	PROPN
fsr-3388	64	19	(	(	PUNCT
fsr-3388	64	20	2001	2001	NUM
fsr-3388	64	21	)	)	PUNCT
fsr-3388	64	22	and	and	CCONJ
fsr-3388	64	23	the	the	DET
fsr-3388	64	24	portfolio	portfolio	NOUN
fsr-3388	64	25	survivability	survivability	NOUN
fsr-3388	64	26	implications	implication	NOUN
fsr-3388	64	27	of	of	ADP
fsr-3388	64	28	americks	americk	NOUN
fsr-3388	64	29	,	,	PUNCT
fsr-3388	64	30	veres	vere	NOUN
fsr-3388	64	31	,	,	PUNCT
fsr-3388	64	32	and	and	CCONJ
fsr-3388	64	33	warshawsky	warshawsky	NOUN
fsr-3388	64	34	(	(	PUNCT
fsr-3388	64	35	2001	2001	NUM
fsr-3388	64	36	)	)	PUNCT
fsr-3388	64	37	;	;	PUNCT
fsr-3388	64	38	however	however	ADV
fsr-3388	64	39	,	,	PUNCT
fsr-3388	64	40	these	these	DET
fsr-3388	64	41	effects	effect	NOUN
fsr-3388	64	42	do	do	AUX
fsr-3388	64	43	not	not	PART
fsr-3388	64	44	impact	impact	VERB
fsr-3388	64	45	our	our	PRON
fsr-3388	64	46	analysis	analysis	NOUN
fsr-3388	64	47	.	.	PUNCT
fsr-3388	65	1	2.2	2.2	NUM
fsr-3388	65	2	.	.	PUNCT
fsr-3388	65	3	individual	individual	ADJ
fsr-3388	65	4	factors	factor	NOUN
fsr-3388	65	5	to	to	PART
fsr-3388	65	6	evaluate	evaluate	VERB
fsr-3388	65	7	the	the	DET
fsr-3388	65	8	insurance	insurance	NOUN
fsr-3388	65	9	program	program	NOUN
fsr-3388	65	10	,	,	PUNCT
fsr-3388	65	11	we	we	PRON
fsr-3388	65	12	considered	consider	VERB
fsr-3388	65	13	the	the	DET
fsr-3388	65	14	life	life	NOUN
fsr-3388	65	15	expectancy	expectancy	NOUN
fsr-3388	65	16	of	of	ADP
fsr-3388	65	17	both	both	CCONJ
fsr-3388	65	18	the	the	DET
fsr-3388	65	19	retiree	retiree	NOUN
fsr-3388	65	20	and	and	CCONJ
fsr-3388	65	21	the	the	DET
fsr-3388	65	22	surviving	surviving	NOUN
fsr-3388	65	23	spouse	spouse	NOUN
fsr-3388	65	24	.	.	PUNCT
fsr-3388	66	1	we	we	PRON
fsr-3388	66	2	use	use	VERB
fsr-3388	66	3	the	the	DET
fsr-3388	66	4	same	same	ADJ
fsr-3388	66	5	fig	fig	NOUN
fsr-3388	66	6	.	.	PUNCT
fsr-3388	67	1	1	1	NUM
fsr-3388	67	2	as	as	ADP
fsr-3388	67	3	in	in	ADP
fsr-3388	67	4	davis	davis	PROPN
fsr-3388	67	5	and	and	CCONJ
fsr-3388	67	6	fraser	fraser	PROPN
fsr-3388	67	7	(	(	PUNCT
fsr-3388	67	8	2012	2012	NUM
fsr-3388	67	9	)	)	PUNCT
fsr-3388	67	10	to	to	PART
fsr-3388	67	11	illustrate	illustrate	VERB
fsr-3388	67	12	our	our	PRON
fsr-3388	67	13	decision	decision	NOUN
fsr-3388	67	14	framework	framework	NOUN
fsr-3388	67	15	.	.	PUNCT
fsr-3388	68	1	for	for	ADP
fsr-3388	68	2	example	example	NOUN
fsr-3388	68	3	,	,	PUNCT
fsr-3388	68	4	if	if	SCONJ
fsr-3388	68	5	a	a	DET
fsr-3388	68	6	recently	recently	ADV
fsr-3388	68	7	-	-	PUNCT
fsr-3388	68	8	retired	retire	VERB
fsr-3388	68	9	couple	couple	NOUN
fsr-3388	68	10	lives	live	VERB
fsr-3388	68	11	together	together	ADV
fsr-3388	68	12	for	for	ADP
fsr-3388	68	13	30	30	NUM
fsr-3388	68	14	years	year	NOUN
fsr-3388	68	15	and	and	CCONJ
fsr-3388	68	16	the	the	DET
fsr-3388	68	17	spouse	spouse	NOUN
fsr-3388	68	18	ultimately	ultimately	ADV
fsr-3388	68	19	dies	die	VERB
fsr-3388	68	20	first	first	ADV
fsr-3388	68	21	,	,	PUNCT
fsr-3388	68	22	the	the	DET
fsr-3388	68	23	couple	couple	NOUN
fsr-3388	68	24	will	will	AUX
fsr-3388	68	25	have	have	AUX
fsr-3388	68	26	paid	pay	VERB
fsr-3388	68	27	premiums	premium	NOUN
fsr-3388	68	28	for	for	ADP
fsr-3388	68	29	30	30	NUM
fsr-3388	68	30	years	year	NOUN
fsr-3388	68	31	and	and	CCONJ
fsr-3388	68	32	received	receive	VERB
fsr-3388	68	33	no	no	DET
fsr-3388	68	34	benefit	benefit	NOUN
fsr-3388	68	35	.	.	PUNCT
fsr-3388	69	1	in	in	ADP
fsr-3388	69	2	contrast	contrast	NOUN
fsr-3388	69	3	,	,	PUNCT
fsr-3388	69	4	if	if	SCONJ
fsr-3388	69	5	a	a	DET
fsr-3388	69	6	retiree	retiree	NOUN
fsr-3388	69	7	dies	die	VERB
fsr-3388	69	8	in	in	ADP
fsr-3388	69	9	the	the	DET
fsr-3388	69	10	first	first	ADJ
fsr-3388	69	11	month	month	NOUN
fsr-3388	69	12	of	of	ADP
fsr-3388	69	13	retirement	retirement	NOUN
fsr-3388	69	14	and	and	CCONJ
fsr-3388	69	15	the	the	DET
fsr-3388	69	16	spouse	spouse	NOUN
fsr-3388	69	17	lives	live	VERB
fsr-3388	69	18	for	for	ADP
fsr-3388	69	19	30	30	NUM
fsr-3388	69	20	years	year	NOUN
fsr-3388	69	21	,	,	PUNCT
fsr-3388	69	22	the	the	DET
fsr-3388	69	23	program	program	NOUN
fsr-3388	69	24	would	would	AUX
fsr-3388	69	25	yield	yield	VERB
fsr-3388	69	26	an	an	DET
fsr-3388	69	27	extremely	extremely	ADV
fsr-3388	69	28	positive	positive	ADJ
fsr-3388	69	29	return	return	NOUN
fsr-3388	69	30	on	on	ADP
fsr-3388	69	31	investment	investment	NOUN
fsr-3388	69	32	.	.	PUNCT
fsr-3388	70	1	we	we	PRON
fsr-3388	70	2	measure	measure	VERB
fsr-3388	70	3	the	the	DET
fsr-3388	70	4	value	value	NOUN
fsr-3388	70	5	of	of	ADP
fsr-3388	70	6	fers	fer	NOUN
fsr-3388	70	7	insurance	insurance	NOUN
fsr-3388	70	8	by	by	ADP
fsr-3388	70	9	examining	examine	VERB
fsr-3388	70	10	the	the	DET
fsr-3388	70	11	implied	imply	VERB
fsr-3388	70	12	internal	internal	ADJ
fsr-3388	70	13	rate	rate	NOUN
fsr-3388	70	14	of	of	ADP
fsr-3388	70	15	return	return	NOUN
fsr-3388	70	16	associated	associate	VERB
fsr-3388	70	17	with	with	ADP
fsr-3388	70	18	the	the	DET
fsr-3388	70	19	cash	cash	NOUN
fsr-3388	70	20	outflows	outflow	NOUN
fsr-3388	70	21	over	over	ADP
fsr-3388	70	22	the	the	DET
fsr-3388	70	23	life	life	NOUN
fsr-3388	70	24	span	span	NOUN
fsr-3388	70	25	of	of	ADP
fsr-3388	70	26	the	the	DET
fsr-3388	70	27	retiree	retiree	NOUN
fsr-3388	70	28	(	(	PUNCT
fsr-3388	70	29	the	the	DET
fsr-3388	70	30	premiums	premium	NOUN
fsr-3388	70	31	or	or	CCONJ
fsr-3388	70	32	cost	cost	NOUN
fsr-3388	70	33	period	period	NOUN
fsr-3388	70	34	—	—	PUNCT
fsr-3388	70	35	labeled	label	VERB
fsr-3388	70	36	“	"	PUNCT
fsr-3388	70	37	x	x	NOUN
fsr-3388	70	38	”	"	PUNCT
fsr-3388	70	39	)	)	PUNCT
fsr-3388	70	40	with	with	ADP
fsr-3388	70	41	the	the	DET
fsr-3388	70	42	cash	cash	NOUN
fsr-3388	70	43	inflows	inflow	NOUN
fsr-3388	70	44	received	receive	VERB
fsr-3388	70	45	by	by	ADP
fsr-3388	70	46	the	the	DET
fsr-3388	70	47	spouse	spouse	NOUN
fsr-3388	70	48	(	(	PUNCT
fsr-3388	70	49	the	the	DET
fsr-3388	70	50	benefits	benefit	NOUN
fsr-3388	70	51	period	period	NOUN
fsr-3388	70	52	—	—	PUNCT
fsr-3388	70	53	labeled	label	VERB
fsr-3388	70	54	“	"	PUNCT
fsr-3388	70	55	z	z	NOUN
fsr-3388	70	56	”	"	PUNCT
fsr-3388	70	57	)	)	PUNCT
fsr-3388	70	58	.	.	PUNCT
fsr-3388	71	1	if	if	SCONJ
fsr-3388	71	2	z	z	NOUN
fsr-3388	71	3	is	be	AUX
fsr-3388	71	4	positive	positive	ADJ
fsr-3388	71	5	,	,	PUNCT
fsr-3388	71	6	there	there	PRON
fsr-3388	71	7	will	will	AUX
fsr-3388	71	8	be	be	AUX
fsr-3388	71	9	benefits	benefit	NOUN
fsr-3388	71	10	for	for	ADP
fsr-3388	71	11	the	the	DET
fsr-3388	71	12	surviving	surviving	NOUN
fsr-3388	71	13	spouse	spouse	NOUN
fsr-3388	71	14	from	from	ADP
fsr-3388	71	15	fers	fer	NOUN
fsr-3388	71	16	135k	135k	NUM
fsr-3388	71	17	.	.	PUNCT
fsr-3388	72	1	davis	davis	PROPN
fsr-3388	72	2	et	et	PROPN
fsr-3388	72	3	al	al	PROPN
fsr-3388	72	4	.	.	PUNCT
fsr-3388	72	5	/	/	SYM
fsr-3388	72	6	financial	financial	ADJ
fsr-3388	72	7	services	service	NOUN
fsr-3388	72	8	review	review	VERB
fsr-3388	72	9	27	27	NUM
fsr-3388	72	10	(	(	PUNCT
fsr-3388	72	11	2018	2018	NUM
fsr-3388	72	12	)	)	PUNCT
fsr-3388	72	13	133	133	NUM
fsr-3388	72	14	-	-	SYM
fsr-3388	72	15	146	146	NUM
fsr-3388	72	16	annuity	annuity	NOUN
fsr-3388	72	17	insurance	insurance	NOUN
fsr-3388	72	18	.	.	PUNCT
fsr-3388	73	1	the	the	DET
fsr-3388	73	2	likelihood	likelihood	NOUN
fsr-3388	73	3	that	that	SCONJ
fsr-3388	73	4	survivor	survivor	NOUN
fsr-3388	73	5	benefits	benefit	NOUN
fsr-3388	73	6	outweigh	outweigh	VERB
fsr-3388	73	7	the	the	DET
fsr-3388	73	8	costs	cost	NOUN
fsr-3388	73	9	increases	increase	NOUN
fsr-3388	73	10	with	with	ADP
fsr-3388	73	11	the	the	DET
fsr-3388	73	12	duration	duration	NOUN
fsr-3388	73	13	of	of	ADP
fsr-3388	73	14	the	the	DET
fsr-3388	73	15	benefit	benefit	NOUN
fsr-3388	73	16	period	period	NOUN
fsr-3388	73	17	z	z	NOUN
fsr-3388	73	18	and	and	CCONJ
fsr-3388	73	19	decreases	decrease	VERB
fsr-3388	73	20	with	with	ADP
fsr-3388	73	21	increases	increase	NOUN
fsr-3388	73	22	in	in	ADP
fsr-3388	73	23	the	the	DET
fsr-3388	73	24	duration	duration	NOUN
fsr-3388	73	25	of	of	ADP
fsr-3388	73	26	the	the	DET
fsr-3388	73	27	retiree	retiree	NOUN
fsr-3388	73	28	life	life	NOUN
fsr-3388	73	29	span	span	NOUN
fsr-3388	73	30	x.	x.	NOUN
fsr-3388	74	1	we	we	PRON
fsr-3388	74	2	model	model	VERB
fsr-3388	74	3	the	the	DET
fsr-3388	74	4	probabilities	probability	NOUN
fsr-3388	74	5	associated	associate	VERB
fsr-3388	74	6	with	with	ADP
fsr-3388	74	7	x	x	PROPN
fsr-3388	74	8	,	,	PUNCT
fsr-3388	74	9	y	y	PROPN
fsr-3388	74	10	,	,	PUNCT
fsr-3388	74	11	and	and	CCONJ
fsr-3388	74	12	z	z	NOUN
fsr-3388	74	13	using	use	VERB
fsr-3388	74	14	actuarial	actuarial	ADJ
fsr-3388	74	15	tables	table	NOUN
fsr-3388	74	16	provided	provide	VERB
fsr-3388	74	17	by	by	ADP
fsr-3388	74	18	the	the	DET
fsr-3388	74	19	social	social	ADJ
fsr-3388	74	20	security	security	NOUN
fsr-3388	74	21	administration	administration	NOUN
fsr-3388	74	22	(	(	PUNCT
fsr-3388	74	23	ssa).1	ssa).1	PART
fsr-3388	74	24	because	because	SCONJ
fsr-3388	74	25	ssa	ssa	NOUN
fsr-3388	74	26	tables	table	NOUN
fsr-3388	74	27	address	address	VERB
fsr-3388	74	28	averages	average	NOUN
fsr-3388	74	29	for	for	ADP
fsr-3388	74	30	the	the	DET
fsr-3388	74	31	total	total	ADJ
fsr-3388	74	32	american	american	ADJ
fsr-3388	74	33	population	population	NOUN
fsr-3388	74	34	,	,	PUNCT
fsr-3388	74	35	it	it	PRON
fsr-3388	74	36	is	be	AUX
fsr-3388	74	37	important	important	ADJ
fsr-3388	74	38	for	for	SCONJ
fsr-3388	74	39	planners	planner	NOUN
fsr-3388	74	40	and	and	CCONJ
fsr-3388	74	41	advisors	advisor	NOUN
fsr-3388	74	42	to	to	PART
fsr-3388	74	43	modify	modify	VERB
fsr-3388	74	44	these	these	DET
fsr-3388	74	45	distributions	distribution	NOUN
fsr-3388	74	46	with	with	ADP
fsr-3388	74	47	subjective	subjective	ADJ
fsr-3388	74	48	probabilities	probability	NOUN
fsr-3388	74	49	concerning	concern	VERB
fsr-3388	74	50	heath	heath	NOUN
fsr-3388	74	51	and	and	CCONJ
fsr-3388	74	52	family	family	NOUN
fsr-3388	74	53	circumstances	circumstance	NOUN
fsr-3388	74	54	.	.	PUNCT
fsr-3388	75	1	limitations	limitation	NOUN
fsr-3388	75	2	notwithstanding	notwithstanding	ADV
fsr-3388	75	3	,	,	PUNCT
fsr-3388	75	4	our	our	PRON
fsr-3388	75	5	analysis	analysis	NOUN
fsr-3388	75	6	serves	serve	VERB
fsr-3388	75	7	as	as	ADP
fsr-3388	75	8	a	a	DET
fsr-3388	75	9	foundation	foundation	NOUN
fsr-3388	75	10	for	for	ADP
fsr-3388	75	11	an	an	DET
fsr-3388	75	12	informed	informed	ADJ
fsr-3388	75	13	decision	decision	NOUN
fsr-3388	75	14	.	.	PUNCT
fsr-3388	76	1	2.3	2.3	NUM
fsr-3388	76	2	.	.	PUNCT
fsr-3388	77	1	external	external	ADJ
fsr-3388	77	2	considerations	consideration	NOUN
fsr-3388	77	3	in	in	ADP
fsr-3388	77	4	lieu	lieu	NOUN
fsr-3388	77	5	of	of	ADP
fsr-3388	77	6	enrolling	enrolling	NOUN
fsr-3388	77	7	in	in	ADP
fsr-3388	77	8	the	the	DET
fsr-3388	77	9	fers	fer	NOUN
fsr-3388	77	10	annuity	annuity	NOUN
fsr-3388	77	11	insurance	insurance	NOUN
fsr-3388	77	12	program	program	NOUN
fsr-3388	77	13	,	,	PUNCT
fsr-3388	77	14	a	a	DET
fsr-3388	77	15	retiring	retire	VERB
fsr-3388	77	16	couple	couple	NOUN
fsr-3388	77	17	might	might	AUX
fsr-3388	77	18	seek	seek	VERB
fsr-3388	77	19	to	to	PART
fsr-3388	77	20	purchase	purchase	VERB
fsr-3388	77	21	an	an	DET
fsr-3388	77	22	insurance	insurance	NOUN
fsr-3388	77	23	policy	policy	NOUN
fsr-3388	77	24	to	to	PART
fsr-3388	77	25	protect	protect	VERB
fsr-3388	77	26	their	their	PRON
fsr-3388	77	27	retirement	retirement	NOUN
fsr-3388	77	28	income	income	NOUN
fsr-3388	77	29	stream	stream	NOUN
fsr-3388	77	30	(	(	PUNCT
fsr-3388	77	31	see	see	VERB
fsr-3388	77	32	jennings	jennings	PROPN
fsr-3388	77	33	,	,	PUNCT
fsr-3388	77	34	merrell	merrell	PROPN
fsr-3388	77	35	,	,	PUNCT
fsr-3388	77	36	o’malley	o’malley	PROPN
fsr-3388	77	37	,	,	PUNCT
fsr-3388	77	38	and	and	CCONJ
fsr-3388	77	39	payne	payne	PROPN
fsr-3388	77	40	,	,	PUNCT
fsr-3388	77	41	2018	2018	NUM
fsr-3388	77	42	)	)	PUNCT
fsr-3388	77	43	.	.	PUNCT
fsr-3388	78	1	however	however	ADV
fsr-3388	78	2	,	,	PUNCT
fsr-3388	78	3	such	such	ADJ
fsr-3388	78	4	insurance	insurance	NOUN
fsr-3388	78	5	depends	depend	VERB
fsr-3388	78	6	on	on	ADP
fsr-3388	78	7	the	the	DET
fsr-3388	78	8	insurability	insurability	NOUN
fsr-3388	78	9	of	of	ADP
fsr-3388	78	10	the	the	DET
fsr-3388	78	11	retiree	retiree	NOUN
fsr-3388	78	12	and	and	CCONJ
fsr-3388	78	13	the	the	DET
fsr-3388	78	14	payoff	payoff	NOUN
fsr-3388	78	15	depends	depend	VERB
fsr-3388	78	16	on	on	ADP
fsr-3388	78	17	the	the	DET
fsr-3388	78	18	solvency	solvency	NOUN
fsr-3388	78	19	of	of	ADP
fsr-3388	78	20	the	the	DET
fsr-3388	78	21	insurer	insurer	NOUN
fsr-3388	78	22	.	.	PUNCT
fsr-3388	79	1	the	the	DET
fsr-3388	79	2	fers	fers	PROPN
fsr-3388	79	3	program	program	NOUN
fsr-3388	79	4	eliminates	eliminate	VERB
fsr-3388	79	5	these	these	DET
fsr-3388	79	6	concerns	concern	NOUN
fsr-3388	79	7	,	,	PUNCT
fsr-3388	79	8	reducing	reduce	VERB
fsr-3388	79	9	uncertainty	uncertainty	NOUN
fsr-3388	79	10	for	for	ADP
fsr-3388	79	11	beneficiaries	beneficiary	NOUN
fsr-3388	79	12	.	.	PUNCT
fsr-3388	80	1	in	in	ADP
fsr-3388	80	2	addition	addition	NOUN
fsr-3388	80	3	to	to	ADP
fsr-3388	80	4	the	the	DET
fsr-3388	80	5	life	life	NOUN
fsr-3388	80	6	expectancy	expectancy	NOUN
fsr-3388	80	7	of	of	ADP
fsr-3388	80	8	the	the	DET
fsr-3388	80	9	retiree	retiree	NOUN
fsr-3388	80	10	-	-	PUNCT
fsr-3388	80	11	beneficiary	beneficiary	NOUN
fsr-3388	80	12	pair	pair	NOUN
fsr-3388	80	13	,	,	PUNCT
fsr-3388	80	14	there	there	PRON
fsr-3388	80	15	are	be	VERB
fsr-3388	80	16	other	other	ADJ
fsr-3388	80	17	factors	factor	NOUN
fsr-3388	80	18	that	that	PRON
fsr-3388	80	19	affect	affect	VERB
fsr-3388	80	20	the	the	DET
fsr-3388	80	21	fers	fer	NOUN
fsr-3388	80	22	insurance	insurance	NOUN
fsr-3388	80	23	decision	decision	NOUN
fsr-3388	80	24	,	,	PUNCT
fsr-3388	80	25	most	most	ADV
fsr-3388	80	26	notably	notably	ADV
fsr-3388	80	27	inflation	inflation	NOUN
fsr-3388	80	28	.	.	PUNCT
fsr-3388	81	1	fortunately	fortunately	ADV
fsr-3388	81	2	,	,	PUNCT
fsr-3388	81	3	we	we	PRON
fsr-3388	81	4	can	can	AUX
fsr-3388	81	5	somewhat	somewhat	ADV
fsr-3388	81	6	table	table	VERB
fsr-3388	81	7	1	1	NUM
fsr-3388	81	8	u.s	u.s	PROPN
fsr-3388	81	9	.	.	PROPN
fsr-3388	81	10	federal	federal	PROPN
fsr-3388	81	11	employee	employee	NOUN
fsr-3388	81	12	retirement	retirement	NOUN
fsr-3388	81	13	system	system	NOUN
fsr-3388	81	14	(	(	PUNCT
fsr-3388	81	15	fers	fer	NOUN
fsr-3388	81	16	)	)	PUNCT
fsr-3388	81	17	annuity	annuity	NOUN
fsr-3388	81	18	insurance	insurance	NOUN
fsr-3388	81	19	details	detail	NOUN
fsr-3388	81	20	costs	cost	VERB
fsr-3388	81	21	10	10	NUM
fsr-3388	81	22	%	%	NOUN
fsr-3388	81	23	to	to	PART
fsr-3388	81	24	insure	insure	VERB
fsr-3388	81	25	50	50	NUM
fsr-3388	81	26	%	%	NOUN
fsr-3388	81	27	of	of	ADP
fsr-3388	81	28	pension	pension	NOUN
fsr-3388	81	29	;	;	PUNCT
fsr-3388	81	30	5	5	NUM
fsr-3388	81	31	%	%	NOUN
fsr-3388	81	32	to	to	PART
fsr-3388	81	33	insure	insure	VERB
fsr-3388	81	34	25	25	NUM
fsr-3388	81	35	%	%	NOUN
fsr-3388	81	36	of	of	ADP
fsr-3388	81	37	pension	pension	NOUN
fsr-3388	81	38	payment	payment	NOUN
fsr-3388	81	39	must	must	AUX
fsr-3388	81	40	start	start	VERB
fsr-3388	81	41	within	within	ADP
fsr-3388	81	42	18	18	NUM
fsr-3388	81	43	months	month	NOUN
fsr-3388	81	44	of	of	ADP
fsr-3388	81	45	retirement	retirement	NOUN
fsr-3388	81	46	(	(	PUNCT
fsr-3388	81	47	if	if	SCONJ
fsr-3388	81	48	it	it	PRON
fsr-3388	81	49	does	do	AUX
fsr-3388	81	50	not	not	PART
fsr-3388	81	51	start	start	VERB
fsr-3388	81	52	immediately	immediately	ADV
fsr-3388	81	53	the	the	DET
fsr-3388	81	54	retiree	retiree	NOUN
fsr-3388	81	55	must	must	AUX
fsr-3388	81	56	pay	pay	VERB
fsr-3388	81	57	a	a	DET
fsr-3388	81	58	lump	lump	NOUN
fsr-3388	81	59	sum	sum	NOUN
fsr-3388	81	60	penalty	penalty	NOUN
fsr-3388	81	61	)	)	PUNCT
fsr-3388	81	62	payment	payment	NOUN
fsr-3388	81	63	ceases	cease	VERB
fsr-3388	81	64	when	when	SCONJ
fsr-3388	81	65	either	either	CCONJ
fsr-3388	81	66	retiree	retiree	NOUN
fsr-3388	81	67	or	or	CCONJ
fsr-3388	81	68	spouse	spouse	NOUN
fsr-3388	81	69	dies	die	VERB
fsr-3388	81	70	payment	payment	NOUN
fsr-3388	81	71	is	be	AUX
fsr-3388	81	72	pre	pre	ADJ
fsr-3388	81	73	-	-	ADJ
fsr-3388	81	74	tax	tax	ADJ
fsr-3388	81	75	fers	fer	NOUN
fsr-3388	81	76	retirement	retirement	NOUN
fsr-3388	81	77	is	be	AUX
fsr-3388	81	78	increased	increase	VERB
fsr-3388	81	79	by	by	ADP
fsr-3388	81	80	cpi	cpi	PROPN
fsr-3388	81	81	-	-	PUNCT
fsr-3388	81	82	w	w	PROPN
fsr-3388	81	83	each	each	DET
fsr-3388	81	84	year	year	NOUN
fsr-3388	81	85	;	;	PUNCT
fsr-3388	81	86	hence	hence	ADV
fsr-3388	81	87	the	the	DET
fsr-3388	81	88	fers	fer	NOUN
fsr-3388	81	89	insurance	insurance	NOUN
fsr-3388	81	90	payment	payment	NOUN
fsr-3388	81	91	increases	increase	NOUN
fsr-3388	81	92	by	by	ADP
fsr-3388	81	93	cpi	cpi	PROPN
fsr-3388	81	94	-	-	PUNCT
fsr-3388	81	95	w	w	PROPN
fsr-3388	81	96	each	each	DET
fsr-3388	81	97	year	year	NOUN
fsr-3388	81	98	(	(	PUNCT
fsr-3388	81	99	50	50	NUM
fsr-3388	81	100	%	%	NOUN
fsr-3388	81	101	insurance	insurance	NOUN
fsr-3388	81	102	always	always	ADV
fsr-3388	81	103	requires	require	VERB
fsr-3388	81	104	10	10	NUM
fsr-3388	81	105	%	%	NOUN
fsr-3388	81	106	of	of	ADP
fsr-3388	81	107	the	the	DET
fsr-3388	81	108	retiree	retiree	NOUN
fsr-3388	81	109	’s	’s	PART
fsr-3388	81	110	pension	pension	NOUN
fsr-3388	81	111	;	;	PUNCT
fsr-3388	81	112	25	25	NUM
fsr-3388	81	113	%	%	NOUN
fsr-3388	81	114	insurance	insurance	NOUN
fsr-3388	81	115	always	always	ADV
fsr-3388	81	116	requires	require	VERB
fsr-3388	81	117	5	5	NUM
fsr-3388	81	118	%	%	NOUN
fsr-3388	81	119	of	of	ADP
fsr-3388	81	120	the	the	DET
fsr-3388	81	121	retiree	retiree	NOUN
fsr-3388	81	122	’s	’s	PART
fsr-3388	81	123	pension	pension	NOUN
fsr-3388	81	124	)	)	PUNCT
fsr-3388	81	125	benefits	benefit	VERB
fsr-3388	81	126	either	either	CCONJ
fsr-3388	81	127	25	25	NUM
fsr-3388	81	128	%	%	NOUN
fsr-3388	81	129	or	or	CCONJ
fsr-3388	81	130	50	50	NUM
fsr-3388	81	131	%	%	NOUN
fsr-3388	81	132	of	of	ADP
fsr-3388	81	133	the	the	DET
fsr-3388	81	134	retiree	retiree	NOUN
fsr-3388	81	135	’s	’s	PART
fsr-3388	81	136	unreduced	unreduced	ADJ
fsr-3388	81	137	pension	pension	NOUN
fsr-3388	81	138	amount	amount	NOUN
fsr-3388	81	139	benefit	benefit	NOUN
fsr-3388	81	140	is	be	AUX
fsr-3388	81	141	taxable	taxable	ADJ
fsr-3388	81	142	(	(	PUNCT
fsr-3388	81	143	but	but	CCONJ
fsr-3388	81	144	avoids	avoid	VERB
fsr-3388	81	145	payroll	payroll	NOUN
fsr-3388	81	146	taxes	taxis	NOUN
fsr-3388	81	147	)	)	PUNCT
fsr-3388	81	148	benefit	benefit	NOUN
fsr-3388	81	149	is	be	AUX
fsr-3388	81	150	increased	increase	VERB
fsr-3388	81	151	by	by	ADP
fsr-3388	81	152	cpi	cpi	PROPN
fsr-3388	81	153	-	-	PUNCT
fsr-3388	81	154	w	w	PROPN
fsr-3388	81	155	each	each	DET
fsr-3388	81	156	year	year	NOUN
fsr-3388	81	157	(	(	PUNCT
fsr-3388	81	158	see	see	VERB
fsr-3388	81	159	specific	specific	ADJ
fsr-3388	81	160	rules	rule	NOUN
fsr-3388	81	161	below	below	ADP
fsr-3388	81	162	)	)	PUNCT
fsr-3388	81	163	benefit	benefit	NOUN
fsr-3388	81	164	ceases	cease	VERB
fsr-3388	81	165	upon	upon	SCONJ
fsr-3388	81	166	death	death	NOUN
fsr-3388	81	167	of	of	ADP
fsr-3388	81	168	survivor	survivor	NOUN
fsr-3388	81	169	specific	specific	ADJ
fsr-3388	81	170	cola	cola	NOUN
fsr-3388	81	171	rules	rule	NOUN
fsr-3388	81	172	if	if	SCONJ
fsr-3388	81	173	cpi	cpi	PROPN
fsr-3388	81	174	-	-	PUNCT
fsr-3388	81	175	w	w	PROPN
fsr-3388	81	176	�	�	PROPN
fsr-3388	81	177	�	�	PROPN
fsr-3388	81	178	2.0	2.0	NUM
fsr-3388	81	179	%	%	NOUN
fsr-3388	81	180	,	,	PUNCT
fsr-3388	81	181	retiree	retiree	NOUN
fsr-3388	81	182	or	or	CCONJ
fsr-3388	81	183	survivor	survivor	NOUN
fsr-3388	81	184	annuity	annuity	NOUN
fsr-3388	81	185	is	be	AUX
fsr-3388	81	186	increased	increase	VERB
fsr-3388	81	187	by	by	ADP
fsr-3388	81	188	cpi	cpi	PROPN
fsr-3388	81	189	-	-	PUNCT
fsr-3388	81	190	w	w	PROPN
fsr-3388	81	191	if	if	SCONJ
fsr-3388	81	192	cpi	cpi	PROPN
fsr-3388	81	193	-	-	PUNCT
fsr-3388	81	194	w	w	PROPN
fsr-3388	81	195	�	�	PROPN
fsr-3388	81	196	2	2	NUM
fsr-3388	81	197	%	%	NOUN
fsr-3388	81	198	and	and	CCONJ
fsr-3388	81	199	cpi	cpi	PROPN
fsr-3388	81	200	-	-	PUNCT
fsr-3388	81	201	w	w	PROPN
fsr-3388	81	202	�	�	PROPN
fsr-3388	81	203	3	3	NUM
fsr-3388	81	204	%	%	NOUN
fsr-3388	81	205	,	,	PUNCT
fsr-3388	81	206	retiree	retiree	NOUN
fsr-3388	81	207	or	or	CCONJ
fsr-3388	81	208	survivor	survivor	NOUN
fsr-3388	81	209	annuity	annuity	NOUN
fsr-3388	81	210	is	be	AUX
fsr-3388	81	211	increased	increase	VERB
fsr-3388	81	212	by	by	ADP
fsr-3388	81	213	2	2	NUM
fsr-3388	81	214	%	%	NOUN
fsr-3388	81	215	if	if	SCONJ
fsr-3388	81	216	cpi	cpi	PROPN
fsr-3388	81	217	-	-	PUNCT
fsr-3388	81	218	w	w	PROPN
fsr-3388	81	219	�	�	PROPN
fsr-3388	81	220	�	�	PROPN
fsr-3388	81	221	3	3	NUM
fsr-3388	81	222	%	%	NOUN
fsr-3388	81	223	,	,	PUNCT
fsr-3388	81	224	retiree	retiree	NOUN
fsr-3388	81	225	or	or	CCONJ
fsr-3388	81	226	survivor	survivor	NOUN
fsr-3388	81	227	pension	pension	NOUN
fsr-3388	81	228	is	be	AUX
fsr-3388	81	229	increased	increase	VERB
fsr-3388	81	230	by	by	ADP
fsr-3388	81	231	cpi	cpi	PROPN
fsr-3388	81	232	-	-	PUNCT
fsr-3388	81	233	w	w	PROPN
fsr-3388	81	234	minus	minus	CCONJ
fsr-3388	81	235	1	1	NUM
fsr-3388	81	236	%	%	NOUN
fsr-3388	81	237	fig	fig	NOUN
fsr-3388	81	238	.	.	PUNCT
fsr-3388	82	1	1	1	X
fsr-3388	82	2	.	.	X
fsr-3388	82	3	timeline	timeline	NOUN
fsr-3388	82	4	of	of	ADP
fsr-3388	82	5	lifespans	lifespan	NOUN
fsr-3388	82	6	.	.	PUNCT
fsr-3388	83	1	136	136	NUM
fsr-3388	83	2	k.	k.	PROPN
fsr-3388	83	3	davis	davis	PROPN
fsr-3388	84	1	et	et	PROPN
fsr-3388	84	2	al	al	PROPN
fsr-3388	84	3	.	.	PUNCT
fsr-3388	84	4	/	/	SYM
fsr-3388	84	5	financial	financial	ADJ
fsr-3388	84	6	services	service	NOUN
fsr-3388	84	7	review	review	VERB
fsr-3388	84	8	27	27	NUM
fsr-3388	84	9	(	(	PUNCT
fsr-3388	84	10	2018	2018	NUM
fsr-3388	84	11	)	)	PUNCT
fsr-3388	84	12	133	133	NUM
fsr-3388	84	13	-	-	SYM
fsr-3388	84	14	146	146	NUM
fsr-3388	84	15	deemphasize	deemphasize	VERB
fsr-3388	84	16	the	the	DET
fsr-3388	84	17	role	role	NOUN
fsr-3388	84	18	of	of	ADP
fsr-3388	84	19	inflation	inflation	NOUN
fsr-3388	84	20	in	in	ADP
fsr-3388	84	21	our	our	PRON
fsr-3388	84	22	analysis	analysis	NOUN
fsr-3388	84	23	because	because	SCONJ
fsr-3388	84	24	of	of	ADP
fsr-3388	84	25	the	the	DET
fsr-3388	84	26	nature	nature	NOUN
fsr-3388	84	27	of	of	ADP
fsr-3388	84	28	the	the	DET
fsr-3388	84	29	fers	fer	NOUN
fsr-3388	84	30	insurance	insurance	NOUN
fsr-3388	84	31	benefit	benefit	NOUN
fsr-3388	84	32	.	.	PUNCT
fsr-3388	85	1	as	as	SCONJ
fsr-3388	85	2	shown	show	VERB
fsr-3388	85	3	in	in	ADP
fsr-3388	85	4	table	table	NOUN
fsr-3388	85	5	1	1	NUM
fsr-3388	85	6	,	,	PUNCT
fsr-3388	85	7	a	a	DET
fsr-3388	85	8	key	key	ADJ
fsr-3388	85	9	attribute	attribute	NOUN
fsr-3388	85	10	of	of	ADP
fsr-3388	85	11	fers	fer	NOUN
fsr-3388	85	12	insurance	insurance	NOUN
fsr-3388	85	13	is	be	AUX
fsr-3388	85	14	that	that	SCONJ
fsr-3388	85	15	benefits	benefit	NOUN
fsr-3388	85	16	are	be	AUX
fsr-3388	85	17	partially	partially	ADV
fsr-3388	85	18	indexed	index	VERB
fsr-3388	85	19	to	to	ADP
fsr-3388	85	20	inflation	inflation	NOUN
fsr-3388	85	21	.	.	PUNCT
fsr-3388	86	1	however	however	ADV
fsr-3388	86	2	,	,	PUNCT
fsr-3388	86	3	the	the	DET
fsr-3388	86	4	link	link	NOUN
fsr-3388	86	5	is	be	AUX
fsr-3388	86	6	imperfect	imperfect	ADJ
fsr-3388	86	7	.	.	PUNCT
fsr-3388	87	1	when	when	SCONJ
fsr-3388	87	2	inflation	inflation	NOUN
fsr-3388	87	3	(	(	PUNCT
fsr-3388	87	4	cpi	cpi	PROPN
fsr-3388	87	5	-	-	PUNCT
fsr-3388	87	6	w	w	NOUN
fsr-3388	87	7	)	)	PUNCT
fsr-3388	87	8	exceeds	exceed	VERB
fsr-3388	87	9	2	2	NUM
fsr-3388	87	10	%	%	NOUN
fsr-3388	87	11	,	,	PUNCT
fsr-3388	87	12	annuities	annuity	NOUN
fsr-3388	87	13	receive	receive	VERB
fsr-3388	87	14	less	less	ADJ
fsr-3388	87	15	than	than	ADP
fsr-3388	87	16	the	the	DET
fsr-3388	87	17	full	full	ADJ
fsr-3388	87	18	cpi	cpi	PROPN
fsr-3388	87	19	-	-	PUNCT
fsr-3388	87	20	w	w	NOUN
fsr-3388	87	21	increase	increase	NOUN
fsr-3388	87	22	.	.	PUNCT
fsr-3388	88	1	to	to	PART
fsr-3388	88	2	account	account	VERB
fsr-3388	88	3	for	for	ADP
fsr-3388	88	4	the	the	DET
fsr-3388	88	5	probabilities	probability	NOUN
fsr-3388	88	6	of	of	ADP
fsr-3388	88	7	retirees	retiree	NOUN
fsr-3388	88	8	and	and	CCONJ
fsr-3388	88	9	their	their	PRON
fsr-3388	88	10	survivors	survivor	NOUN
fsr-3388	88	11	getting	get	VERB
fsr-3388	88	12	less	less	ADJ
fsr-3388	88	13	than	than	ADP
fsr-3388	88	14	a	a	DET
fsr-3388	88	15	full	full	ADJ
fsr-3388	88	16	inflation	inflation	NOUN
fsr-3388	88	17	adjustment	adjustment	NOUN
fsr-3388	88	18	,	,	PUNCT
fsr-3388	88	19	we	we	PRON
fsr-3388	88	20	adjust	adjust	VERB
fsr-3388	88	21	the	the	DET
fsr-3388	88	22	expected	expect	VERB
fsr-3388	88	23	retirement	retirement	NOUN
fsr-3388	88	24	cash	cash	NOUN
fsr-3388	88	25	flows	flow	NOUN
fsr-3388	88	26	.	.	PUNCT
fsr-3388	89	1	we	we	PRON
fsr-3388	89	2	use	use	VERB
fsr-3388	89	3	forecasted	forecast	VERB
fsr-3388	89	4	data	datum	NOUN
fsr-3388	89	5	from	from	ADP
fsr-3388	89	6	the	the	DET
fsr-3388	89	7	philadelphia	philadelphia	PROPN
fsr-3388	89	8	fed	fed	PROPN
fsr-3388	89	9	survey	survey	NOUN
fsr-3388	89	10	of	of	ADP
fsr-3388	89	11	professional	professional	ADJ
fsr-3388	89	12	forecasters	forecaster	NOUN
fsr-3388	89	13	(	(	PUNCT
fsr-3388	89	14	spf	spf	NOUN
fsr-3388	89	15	)	)	PUNCT
fsr-3388	89	16	and	and	CCONJ
fsr-3388	89	17	historical	historical	ADJ
fsr-3388	89	18	data	datum	NOUN
fsr-3388	89	19	from	from	ADP
fsr-3388	89	20	social	social	ADJ
fsr-3388	89	21	security	security	NOUN
fsr-3388	89	22	cpi	cpi	PROPN
fsr-3388	89	23	-	-	PUNCT
fsr-3388	89	24	w	w	PROPN
fsr-3388	89	25	inflation	inflation	NOUN
fsr-3388	89	26	adjustments	adjustment	NOUN
fsr-3388	89	27	from	from	ADP
fsr-3388	89	28	1975	1975	NUM
fsr-3388	89	29	to	to	ADP
fsr-3388	89	30	the	the	DET
fsr-3388	89	31	present	present	NOUN
fsr-3388	89	32	to	to	PART
fsr-3388	89	33	simulate	simulate	VERB
fsr-3388	89	34	prospective	prospective	ADJ
fsr-3388	89	35	fers	fer	NOUN
fsr-3388	89	36	cost	cost	NOUN
fsr-3388	89	37	of	of	ADP
fsr-3388	89	38	living	live	VERB
fsr-3388	89	39	adjustments	adjustment	NOUN
fsr-3388	89	40	(	(	PUNCT
fsr-3388	89	41	cola	cola	PROPN
fsr-3388	89	42	)	)	PUNCT
fsr-3388	89	43	.	.	PUNCT
fsr-3388	90	1	using	use	VERB
fsr-3388	90	2	a	a	DET
fsr-3388	90	3	historical	historical	ADJ
fsr-3388	90	4	resampling	resample	VERB
fsr-3388	90	5	simulation	simulation	NOUN
fsr-3388	90	6	that	that	PRON
fsr-3388	90	7	chose	choose	VERB
fsr-3388	90	8	from	from	ADP
fsr-3388	90	9	past	past	ADJ
fsr-3388	90	10	social	social	ADJ
fsr-3388	90	11	security	security	NOUN
fsr-3388	90	12	inflation	inflation	NOUN
fsr-3388	90	13	adjustments	adjustment	NOUN
fsr-3388	90	14	,	,	PUNCT
fsr-3388	90	15	we	we	PRON
fsr-3388	90	16	found	find	VERB
fsr-3388	90	17	expected	expect	VERB
fsr-3388	90	18	inflation	inflation	NOUN
fsr-3388	90	19	to	to	PART
fsr-3388	90	20	be	be	AUX
fsr-3388	90	21	2.7	2.7	NUM
fsr-3388	90	22	%	%	NOUN
fsr-3388	90	23	,	,	PUNCT
fsr-3388	90	24	resulting	result	VERB
fsr-3388	90	25	in	in	ADP
fsr-3388	90	26	a	a	DET
fsr-3388	90	27	loss	loss	NOUN
fsr-3388	90	28	to	to	ADP
fsr-3388	90	29	fers	fer	NOUN
fsr-3388	90	30	retirees	retiree	NOUN
fsr-3388	90	31	of	of	ADP
fsr-3388	90	32	approximately	approximately	ADV
fsr-3388	90	33	0.7	0.7	NUM
fsr-3388	90	34	%	%	NOUN
fsr-3388	90	35	each	each	DET
fsr-3388	90	36	year	year	NOUN
fsr-3388	90	37	.	.	PUNCT
fsr-3388	91	1	however	however	ADV
fsr-3388	91	2	,	,	PUNCT
fsr-3388	91	3	the	the	DET
fsr-3388	91	4	spf	spf	ADJ
fsr-3388	91	5	forecasts	forecast	NOUN
fsr-3388	91	6	2.3	2.3	NUM
fsr-3388	91	7	%	%	NOUN
fsr-3388	91	8	inflation	inflation	NOUN
fsr-3388	91	9	for	for	ADP
fsr-3388	91	10	the	the	DET
fsr-3388	91	11	next	next	ADJ
fsr-3388	91	12	10	10	NUM
fsr-3388	91	13	years	year	NOUN
fsr-3388	91	14	(	(	PUNCT
fsr-3388	91	15	as	as	ADP
fsr-3388	91	16	of	of	ADP
fsr-3388	91	17	2017q2	2017q2	NUM
fsr-3388	91	18	)	)	PUNCT
fsr-3388	91	19	.	.	PUNCT
fsr-3388	92	1	we	we	PRON
fsr-3388	92	2	assume	assume	VERB
fsr-3388	92	3	a	a	DET
fsr-3388	92	4	2.5	2.5	NUM
fsr-3388	92	5	%	%	NOUN
fsr-3388	92	6	inflation	inflation	NOUN
fsr-3388	92	7	estimate	estimate	NOUN
fsr-3388	92	8	,	,	PUNCT
fsr-3388	92	9	halfway	halfway	ADV
fsr-3388	92	10	between	between	ADP
fsr-3388	92	11	the	the	DET
fsr-3388	92	12	spf	spf	PROPN
fsr-3388	92	13	projection	projection	NOUN
fsr-3388	92	14	and	and	CCONJ
fsr-3388	92	15	the	the	DET
fsr-3388	92	16	historical	historical	ADJ
fsr-3388	92	17	social	social	ADJ
fsr-3388	92	18	security	security	NOUN
fsr-3388	92	19	cola	cola	NOUN
fsr-3388	92	20	.	.	PUNCT
fsr-3388	93	1	this	this	PRON
fsr-3388	93	2	results	result	VERB
fsr-3388	93	3	in	in	ADP
fsr-3388	93	4	a	a	DET
fsr-3388	93	5	0.5	0.5	NUM
fsr-3388	93	6	%	%	NOUN
fsr-3388	93	7	real	real	ADJ
fsr-3388	93	8	loss	loss	NOUN
fsr-3388	93	9	each	each	DET
fsr-3388	93	10	year	year	NOUN
fsr-3388	93	11	for	for	ADP
fsr-3388	93	12	fers	fer	NOUN
fsr-3388	93	13	retirees	retiree	NOUN
fsr-3388	93	14	.	.	PUNCT
fsr-3388	94	1	for	for	ADP
fsr-3388	94	2	our	our	PRON
fsr-3388	94	3	analysis	analysis	NOUN
fsr-3388	94	4	of	of	ADP
fsr-3388	94	5	the	the	DET
fsr-3388	94	6	effects	effect	NOUN
fsr-3388	94	7	of	of	ADP
fsr-3388	94	8	early	early	ADJ
fsr-3388	94	9	retirement	retirement	NOUN
fsr-3388	94	10	(	(	PUNCT
fsr-3388	94	11	at	at	ADP
fsr-3388	94	12	age	age	NOUN
fsr-3388	94	13	56	56	NUM
fsr-3388	94	14	)	)	PUNCT
fsr-3388	94	15	,	,	PUNCT
fsr-3388	94	16	we	we	PRON
fsr-3388	94	17	use	use	VERB
fsr-3388	94	18	2.3	2.3	NUM
fsr-3388	94	19	%	%	NOUN
fsr-3388	94	20	inflation	inflation	NOUN
fsr-3388	94	21	to	to	PART
fsr-3388	94	22	compute	compute	VERB
fsr-3388	94	23	the	the	DET
fsr-3388	94	24	real	real	ADJ
fsr-3388	94	25	loss	loss	NOUN
fsr-3388	94	26	in	in	ADP
fsr-3388	94	27	purchasing	purchase	VERB
fsr-3388	94	28	power	power	NOUN
fsr-3388	94	29	for	for	ADP
fsr-3388	94	30	the	the	DET
fsr-3388	94	31	first	first	ADJ
fsr-3388	94	32	six	six	NUM
fsr-3388	94	33	years	year	NOUN
fsr-3388	94	34	,	,	PUNCT
fsr-3388	94	35	until	until	SCONJ
fsr-3388	94	36	retirees	retiree	NOUN
fsr-3388	94	37	reach	reach	VERB
fsr-3388	94	38	age	age	NOUN
fsr-3388	94	39	62	62	NUM
fsr-3388	94	40	,	,	PUNCT
fsr-3388	94	41	then	then	ADV
fsr-3388	94	42	revert	revert	VERB
fsr-3388	94	43	to	to	ADP
fsr-3388	94	44	the	the	DET
fsr-3388	94	45	2.5	2.5	NUM
fsr-3388	94	46	%	%	NOUN
fsr-3388	94	47	and	and	CCONJ
fsr-3388	94	48	0.5	0.5	NUM
fsr-3388	94	49	%	%	NOUN
fsr-3388	94	50	numbers	number	NOUN
fsr-3388	94	51	discussed	discuss	VERB
fsr-3388	94	52	above	above	ADV
fsr-3388	94	53	;	;	PUNCT
fsr-3388	94	54	this	this	PRON
fsr-3388	94	55	correctly	correctly	ADV
fsr-3388	94	56	accounts	account	VERB
fsr-3388	94	57	for	for	ADP
fsr-3388	94	58	the	the	DET
fsr-3388	94	59	pre-62	pre-62	NUM
fsr-3388	94	60	absence	absence	NOUN
fsr-3388	94	61	of	of	ADP
fsr-3388	94	62	a	a	DET
fsr-3388	94	63	cola	cola	NOUN
fsr-3388	94	64	and	and	CCONJ
fsr-3388	94	65	the	the	DET
fsr-3388	94	66	post-62	post-62	PROPN
fsr-3388	94	67	partial	partial	ADJ
fsr-3388	94	68	indexation	indexation	NOUN
fsr-3388	94	69	.	.	PUNCT
fsr-3388	95	1	3	3	X
fsr-3388	95	2	.	.	X
fsr-3388	95	3	simulation	simulation	NOUN
fsr-3388	95	4	model	model	NOUN
fsr-3388	95	5	we	we	PRON
fsr-3388	95	6	explore	explore	VERB
fsr-3388	95	7	the	the	DET
fsr-3388	95	8	cost	cost	NOUN
fsr-3388	95	9	-	-	PUNCT
fsr-3388	95	10	benefit	benefit	NOUN
fsr-3388	95	11	tradeoff	tradeoff	NOUN
fsr-3388	95	12	for	for	ADP
fsr-3388	95	13	the	the	DET
fsr-3388	95	14	fers	fer	NOUN
fsr-3388	95	15	survivor	survivor	NOUN
fsr-3388	95	16	annuity	annuity	NOUN
fsr-3388	95	17	by	by	ADP
fsr-3388	95	18	computing	compute	VERB
fsr-3388	95	19	the	the	DET
fsr-3388	95	20	internal	internal	ADJ
fsr-3388	95	21	rate	rate	NOUN
fsr-3388	95	22	of	of	ADP
fsr-3388	95	23	return	return	NOUN
fsr-3388	95	24	associated	associate	VERB
fsr-3388	95	25	with	with	ADP
fsr-3388	95	26	the	the	DET
fsr-3388	95	27	annuity	annuity	NOUN
fsr-3388	95	28	premium	premium	NOUN
fsr-3388	95	29	cash	cash	NOUN
fsr-3388	95	30	outflows	outflow	NOUN
fsr-3388	95	31	and	and	CCONJ
fsr-3388	95	32	the	the	DET
fsr-3388	95	33	benefit	benefit	NOUN
fsr-3388	95	34	cash	cash	NOUN
fsr-3388	95	35	inflows	inflow	NOUN
fsr-3388	95	36	received	receive	VERB
fsr-3388	95	37	.	.	PUNCT
fsr-3388	96	1	we	we	PRON
fsr-3388	96	2	construct	construct	VERB
fsr-3388	96	3	a	a	DET
fsr-3388	96	4	monte	monte	PROPN
fsr-3388	96	5	carlo	carlo	PROPN
fsr-3388	96	6	simulation	simulation	PROPN
fsr-3388	96	7	accounting	account	VERB
fsr-3388	96	8	for	for	ADP
fsr-3388	96	9	the	the	DET
fsr-3388	96	10	factors	factor	NOUN
fsr-3388	96	11	in	in	ADP
fsr-3388	96	12	table	table	NOUN
fsr-3388	96	13	1	1	NUM
fsr-3388	96	14	.	.	PUNCT
fsr-3388	97	1	our	our	PRON
fsr-3388	97	2	simulation	simulation	NOUN
fsr-3388	97	3	illustrates	illustrate	VERB
fsr-3388	97	4	the	the	DET
fsr-3388	97	5	cost	cost	NOUN
fsr-3388	97	6	and	and	CCONJ
fsr-3388	97	7	benefit	benefit	NOUN
fsr-3388	97	8	distributions	distribution	NOUN
fsr-3388	97	9	—	—	PUNCT
fsr-3388	97	10	and	and	CCONJ
fsr-3388	97	11	helps	help	VERB
fsr-3388	97	12	describe	describe	VERB
fsr-3388	97	13	the	the	DET
fsr-3388	97	14	characteristics	characteristic	NOUN
fsr-3388	97	15	of	of	ADP
fsr-3388	97	16	those	those	DET
fsr-3388	97	17	distributions	distribution	NOUN
fsr-3388	97	18	.	.	PUNCT
fsr-3388	98	1	specifically	specifically	ADV
fsr-3388	98	2	,	,	PUNCT
fsr-3388	98	3	in	in	ADP
fsr-3388	98	4	addition	addition	NOUN
fsr-3388	98	5	to	to	ADP
fsr-3388	98	6	finding	find	VERB
fsr-3388	98	7	the	the	DET
fsr-3388	98	8	implied	imply	VERB
fsr-3388	98	9	discount	discount	NOUN
fsr-3388	98	10	rate	rate	NOUN
fsr-3388	98	11	associated	associate	VERB
fsr-3388	98	12	with	with	ADP
fsr-3388	98	13	the	the	DET
fsr-3388	98	14	fers	fer	NOUN
fsr-3388	98	15	,	,	PUNCT
fsr-3388	98	16	we	we	PRON
fsr-3388	98	17	find	find	VERB
fsr-3388	98	18	:	:	PUNCT
fsr-3388	98	19	table	table	NOUN
fsr-3388	98	20	2	2	NUM
fsr-3388	98	21	distribution	distribution	NOUN
fsr-3388	98	22	of	of	ADP
fsr-3388	98	23	spousal	spousal	ADJ
fsr-3388	98	24	ages	age	NOUN
fsr-3388	98	25	husband	husband	NOUN
fsr-3388	98	26	20	20	NUM
fsr-3388	98	27	�	�	PROPN
fsr-3388	98	28	years	year	NOUN
fsr-3388	98	29	older	old	ADJ
fsr-3388	98	30	1.0	1.0	NUM
fsr-3388	98	31	%	%	NOUN
fsr-3388	98	32	15–19	15–19	NUM
fsr-3388	98	33	years	year	NOUN
fsr-3388	98	34	older	old	ADJ
fsr-3388	98	35	1.6	1.6	NUM
fsr-3388	98	36	%	%	NOUN
fsr-3388	98	37	10–14	10–14	NUM
fsr-3388	98	38	years	year	NOUN
fsr-3388	98	39	older	old	ADJ
fsr-3388	98	40	4.9	4.9	NUM
fsr-3388	98	41	%	%	NOUN
fsr-3388	98	42	6–9	6–9	NUM
fsr-3388	98	43	years	year	NOUN
fsr-3388	98	44	older	old	ADJ
fsr-3388	98	45	12.2	12.2	NUM
fsr-3388	98	46	%	%	NOUN
fsr-3388	98	47	4–5	4–5	NUM
fsr-3388	98	48	years	year	NOUN
fsr-3388	98	49	older	old	ADJ
fsr-3388	98	50	13.4	13.4	NUM
fsr-3388	98	51	%	%	NOUN
fsr-3388	98	52	2–3	2–3	NUM
fsr-3388	98	53	years	year	NOUN
fsr-3388	98	54	older	old	ADJ
fsr-3388	98	55	21.7	21.7	NUM
fsr-3388	98	56	%	%	NOUN
fsr-3388	98	57	husband	husband	NOUN
fsr-3388	98	58	and	and	CCONJ
fsr-3388	98	59	wife	wife	NOUN
fsr-3388	98	60	within	within	ADP
fsr-3388	98	61	1	1	NUM
fsr-3388	98	62	year	year	NOUN
fsr-3388	98	63	32.2	32.2	NUM
fsr-3388	98	64	%	%	NOUN
fsr-3388	98	65	wife	wife	NOUN
fsr-3388	98	66	2–3	2–3	NUM
fsr-3388	98	67	years	year	NOUN
fsr-3388	98	68	older	old	ADJ
fsr-3388	98	69	6.4	6.4	NUM
fsr-3388	98	70	%	%	NOUN
fsr-3388	98	71	4–5	4–5	NUM
fsr-3388	98	72	years	year	NOUN
fsr-3388	98	73	older	old	ADJ
fsr-3388	98	74	2.9	2.9	NUM
fsr-3388	98	75	%	%	NOUN
fsr-3388	98	76	6–9	6–9	NUM
fsr-3388	98	77	years	year	NOUN
fsr-3388	98	78	older	old	ADJ
fsr-3388	98	79	2.6	2.6	NUM
fsr-3388	98	80	%	%	NOUN
fsr-3388	98	81	10–14	10–14	NUM
fsr-3388	98	82	years	year	NOUN
fsr-3388	98	83	older	old	ADJ
fsr-3388	98	84	0.9	0.9	NUM
fsr-3388	98	85	%	%	NOUN
fsr-3388	98	86	15–19	15–19	NUM
fsr-3388	98	87	years	year	NOUN
fsr-3388	98	88	older	old	ADJ
fsr-3388	98	89	0.2	0.2	NUM
fsr-3388	98	90	%	%	NOUN
fsr-3388	98	91	20	20	NUM
fsr-3388	98	92	�	�	PROPN
fsr-3388	98	93	years	year	NOUN
fsr-3388	98	94	older	old	ADJ
fsr-3388	98	95	0.2	0.2	NUM
fsr-3388	98	96	%	%	NOUN
fsr-3388	98	97	based	base	VERB
fsr-3388	98	98	on	on	ADP
fsr-3388	98	99	census	census	NOUN
fsr-3388	98	100	table	table	NOUN
fsr-3388	98	101	fg3	fg3	NOUN
fsr-3388	98	102	(	(	PUNCT
fsr-3388	98	103	census	census	NOUN
fsr-3388	98	104	website	website	NOUN
fsr-3388	98	105	,	,	PUNCT
fsr-3388	98	106	2002	2002	NUM
fsr-3388	98	107	;	;	PUNCT
fsr-3388	98	108	per	per	ADP
fsr-3388	98	109	100k	100k	NUM
fsr-3388	98	110	marriages	marriage	NOUN
fsr-3388	98	111	)	)	PUNCT
fsr-3388	98	112	.	.	PUNCT
fsr-3388	99	1	the	the	DET
fsr-3388	99	2	data	datum	NOUN
fsr-3388	99	3	is	be	AUX
fsr-3388	99	4	collected	collect	VERB
fsr-3388	99	5	based	base	VERB
fsr-3388	99	6	on	on	ADP
fsr-3388	99	7	age	age	NOUN
fsr-3388	99	8	as	as	ADP
fsr-3388	99	9	of	of	ADP
fsr-3388	99	10	last	last	ADJ
fsr-3388	99	11	birthday	birthday	NOUN
fsr-3388	99	12	;	;	PUNCT
fsr-3388	99	13	hence	hence	ADV
fsr-3388	99	14	,	,	PUNCT
fsr-3388	99	15	spouses	spouse	NOUN
fsr-3388	99	16	listed	list	VERB
fsr-3388	99	17	as	as	ADP
fsr-3388	99	18	23	23	NUM
fsr-3388	99	19	and	and	CCONJ
fsr-3388	99	20	21	21	NUM
fsr-3388	99	21	are	be	AUX
fsr-3388	99	22	considered	consider	VERB
fsr-3388	99	23	“	"	PUNCT
fsr-3388	99	24	2–3	2–3	NUM
fsr-3388	99	25	years	year	NOUN
fsr-3388	99	26	”	"	PUNCT
fsr-3388	99	27	apart	apart	ADV
fsr-3388	99	28	even	even	ADV
fsr-3388	99	29	though	though	SCONJ
fsr-3388	99	30	they	they	PRON
fsr-3388	99	31	could	could	AUX
fsr-3388	99	32	be	be	AUX
fsr-3388	99	33	less	less	ADJ
fsr-3388	99	34	than	than	ADP
fsr-3388	99	35	13	13	NUM
fsr-3388	99	36	months	month	NOUN
fsr-3388	99	37	apart	apart	ADV
fsr-3388	99	38	.	.	PUNCT
fsr-3388	100	1	137k	137k	NOUN
fsr-3388	100	2	.	.	PUNCT
fsr-3388	101	1	davis	davis	PROPN
fsr-3388	101	2	et	et	PROPN
fsr-3388	101	3	al	al	PROPN
fsr-3388	101	4	.	.	PUNCT
fsr-3388	101	5	/	/	SYM
fsr-3388	101	6	financial	financial	ADJ
fsr-3388	101	7	services	service	NOUN
fsr-3388	101	8	review	review	VERB
fsr-3388	101	9	27	27	NUM
fsr-3388	101	10	(	(	PUNCT
fsr-3388	101	11	2018	2018	NUM
fsr-3388	101	12	)	)	PUNCT
fsr-3388	101	13	133	133	NUM
fsr-3388	101	14	-	-	SYM
fsr-3388	101	15	146	146	NUM
fsr-3388	101	16	1	1	NUM
fsr-3388	101	17	.	.	PUNCT
fsr-3388	102	1	the	the	DET
fsr-3388	102	2	distributions	distribution	NOUN
fsr-3388	102	3	describing	describe	VERB
fsr-3388	102	4	fers	fer	NOUN
fsr-3388	102	5	insurance	insurance	NOUN
fsr-3388	102	6	premiums	premium	NOUN
fsr-3388	102	7	payments	payment	NOUN
fsr-3388	102	8	;	;	PUNCT
fsr-3388	102	9	2	2	X
fsr-3388	102	10	.	.	X
fsr-3388	103	1	the	the	DET
fsr-3388	103	2	distributions	distribution	NOUN
fsr-3388	103	3	describing	describe	VERB
fsr-3388	103	4	fers	fer	NOUN
fsr-3388	103	5	insurance	insurance	NOUN
fsr-3388	103	6	benefit	benefit	NOUN
fsr-3388	103	7	payments	payment	NOUN
fsr-3388	103	8	;	;	PUNCT
fsr-3388	103	9	3	3	X
fsr-3388	103	10	.	.	X
fsr-3388	104	1	the	the	DET
fsr-3388	104	2	descriptive	descriptive	ADJ
fsr-3388	104	3	statistics	statistic	NOUN
fsr-3388	104	4	about	about	ADP
fsr-3388	104	5	durations	duration	NOUN
fsr-3388	104	6	of	of	ADP
fsr-3388	104	7	premium	premium	NOUN
fsr-3388	104	8	and	and	CCONJ
fsr-3388	104	9	benefit	benefit	NOUN
fsr-3388	104	10	payments	payment	NOUN
fsr-3388	104	11	;	;	PUNCT
fsr-3388	104	12	4	4	X
fsr-3388	104	13	.	.	X
fsr-3388	104	14	the	the	DET
fsr-3388	104	15	percentage	percentage	NOUN
fsr-3388	104	16	of	of	ADP
fsr-3388	104	17	participants	participant	NOUN
fsr-3388	104	18	who	who	PRON
fsr-3388	104	19	earn	earn	VERB
fsr-3388	104	20	at	at	ADP
fsr-3388	104	21	least	least	ADJ
fsr-3388	104	22	the	the	DET
fsr-3388	104	23	implied	imply	VERB
fsr-3388	104	24	discount	discount	NOUN
fsr-3388	104	25	rate	rate	NOUN
fsr-3388	104	26	.	.	PUNCT
fsr-3388	105	1	3.1	3.1	NUM
fsr-3388	105	2	.	.	PUNCT
fsr-3388	105	3	method	method	NOUN
fsr-3388	105	4	description	description	NOUN
fsr-3388	105	5	as	as	SCONJ
fsr-3388	105	6	described	describe	VERB
fsr-3388	105	7	in	in	ADP
fsr-3388	105	8	davis	davis	PROPN
fsr-3388	105	9	and	and	CCONJ
fsr-3388	105	10	fraser	fraser	PROPN
fsr-3388	105	11	(	(	PUNCT
fsr-3388	105	12	2012	2012	NUM
fsr-3388	105	13	)	)	PUNCT
fsr-3388	105	14	,	,	PUNCT
fsr-3388	105	15	jennings	jennings	PROPN
fsr-3388	105	16	and	and	CCONJ
fsr-3388	105	17	reichenstein	reichenstein	PROPN
fsr-3388	105	18	(	(	PUNCT
fsr-3388	105	19	2003	2003	NUM
fsr-3388	105	20	)	)	PUNCT
fsr-3388	105	21	,	,	PUNCT
fsr-3388	105	22	and	and	CCONJ
fsr-3388	105	23	stoller	stoller	PROPN
fsr-3388	105	24	(	(	PUNCT
fsr-3388	105	25	1992	1992	NUM
fsr-3388	105	26	)	)	PUNCT
fsr-3388	105	27	,	,	PUNCT
fsr-3388	105	28	we	we	PRON
fsr-3388	105	29	compute	compute	VERB
fsr-3388	105	30	the	the	DET
fsr-3388	105	31	expected	expected	ADJ
fsr-3388	105	32	future	future	ADJ
fsr-3388	105	33	cash	cash	NOUN
fsr-3388	105	34	flows	flow	NOUN
fsr-3388	105	35	of	of	ADP
fsr-3388	105	36	beneficiaries	beneficiary	NOUN
fsr-3388	105	37	.	.	PUNCT
fsr-3388	106	1	this	this	DET
fsr-3388	106	2	approach	approach	NOUN
fsr-3388	106	3	does	do	AUX
fsr-3388	106	4	not	not	PART
fsr-3388	106	5	use	use	VERB
fsr-3388	106	6	the	the	DET
fsr-3388	106	7	projected	project	VERB
fsr-3388	106	8	direct	direct	ADJ
fsr-3388	106	9	cash	cash	NOUN
fsr-3388	106	10	flows	flow	NOUN
fsr-3388	106	11	paid	pay	VERB
fsr-3388	106	12	to	to	ADP
fsr-3388	106	13	the	the	DET
fsr-3388	106	14	beneficiary	beneficiary	NOUN
fsr-3388	106	15	.	.	PUNCT
fsr-3388	107	1	rather	rather	ADV
fsr-3388	107	2	,	,	PUNCT
fsr-3388	107	3	we	we	PRON
fsr-3388	107	4	decrement	decrement	VERB
fsr-3388	107	5	the	the	DET
fsr-3388	107	6	projected	project	VERB
fsr-3388	107	7	cash	cash	NOUN
fsr-3388	107	8	flows	flow	NOUN
fsr-3388	107	9	for	for	ADP
fsr-3388	107	10	the	the	DET
fsr-3388	107	11	actuarial	actuarial	ADJ
fsr-3388	107	12	probability	probability	NOUN
fsr-3388	107	13	that	that	SCONJ
fsr-3388	107	14	the	the	DET
fsr-3388	107	15	beneficiary	beneficiary	NOUN
fsr-3388	107	16	is	be	AUX
fsr-3388	107	17	alive	alive	ADJ
fsr-3388	107	18	at	at	ADP
fsr-3388	107	19	any	any	DET
fsr-3388	107	20	given	give	VERB
fsr-3388	107	21	age.2	age.2	PROPN
fsr-3388	107	22	our	our	PRON
fsr-3388	107	23	randomly	randomly	ADV
fsr-3388	107	24	generated	generate	VERB
fsr-3388	107	25	sample	sample	NOUN
fsr-3388	107	26	size	size	NOUN
fsr-3388	107	27	is	be	AUX
fsr-3388	107	28	500,000	500,000	NUM
fsr-3388	107	29	to	to	PART
fsr-3388	107	30	achieve	achieve	VERB
fsr-3388	107	31	stable	stable	ADJ
fsr-3388	107	32	results	result	NOUN
fsr-3388	107	33	from	from	ADP
fsr-3388	107	34	one	one	NUM
fsr-3388	107	35	simulation	simulation	NOUN
fsr-3388	107	36	run	run	VERB
fsr-3388	107	37	to	to	ADP
fsr-3388	107	38	another	another	PRON
fsr-3388	107	39	.	.	PUNCT
fsr-3388	108	1	because	because	SCONJ
fsr-3388	108	2	the	the	DET
fsr-3388	108	3	distributions	distribution	NOUN
fsr-3388	108	4	produced	produce	VERB
fsr-3388	108	5	depend	depend	VERB
fsr-3388	108	6	on	on	ADP
fsr-3388	108	7	retiree	retiree	NOUN
fsr-3388	108	8	and	and	CCONJ
fsr-3388	108	9	spouse	spouse	NOUN
fsr-3388	108	10	ages	age	NOUN
fsr-3388	108	11	and	and	CCONJ
fsr-3388	108	12	genders	gender	NOUN
fsr-3388	108	13	,	,	PUNCT
fsr-3388	108	14	we	we	PRON
fsr-3388	108	15	focus	focus	VERB
fsr-3388	108	16	on	on	ADP
fsr-3388	108	17	three	three	NUM
fsr-3388	108	18	scenarios	scenario	NOUN
fsr-3388	108	19	:	:	PUNCT
fsr-3388	108	20	1	1	X
fsr-3388	108	21	.	.	X
fsr-3388	108	22	a	a	DET
fsr-3388	108	23	62	62	NUM
fsr-3388	108	24	-	-	PUNCT
fsr-3388	108	25	year	year	NOUN
fsr-3388	108	26	-	-	PUNCT
fsr-3388	108	27	old	old	ADJ
fsr-3388	108	28	male	male	NOUN
fsr-3388	108	29	retiree	retiree	NOUN
fsr-3388	108	30	with	with	ADP
fsr-3388	108	31	a	a	DET
fsr-3388	108	32	62	62	NUM
fsr-3388	108	33	-	-	PUNCT
fsr-3388	108	34	year	year	NOUN
fsr-3388	108	35	-	-	PUNCT
fsr-3388	108	36	old	old	ADJ
fsr-3388	108	37	female	female	ADJ
fsr-3388	108	38	spouse	spouse	NOUN
fsr-3388	108	39	;	;	PUNCT
fsr-3388	109	1	2	2	X
fsr-3388	109	2	.	.	X
fsr-3388	109	3	a	a	DET
fsr-3388	109	4	62	62	NUM
fsr-3388	109	5	-	-	PUNCT
fsr-3388	109	6	year	year	NOUN
fsr-3388	109	7	-	-	PUNCT
fsr-3388	109	8	old	old	ADJ
fsr-3388	109	9	female	female	ADJ
fsr-3388	109	10	retiree	retiree	NOUN
fsr-3388	109	11	with	with	ADP
fsr-3388	109	12	a	a	DET
fsr-3388	109	13	62	62	NUM
fsr-3388	109	14	-	-	PUNCT
fsr-3388	109	15	year	year	NOUN
fsr-3388	109	16	-	-	PUNCT
fsr-3388	109	17	old	old	ADJ
fsr-3388	109	18	male	male	NOUN
fsr-3388	109	19	spouse	spouse	NOUN
fsr-3388	109	20	;	;	PUNCT
fsr-3388	109	21	and	and	CCONJ
fsr-3388	109	22	3	3	X
fsr-3388	109	23	.	.	PUNCT
fsr-3388	109	24	a	a	DET
fsr-3388	109	25	62	62	NUM
fsr-3388	109	26	-	-	PUNCT
fsr-3388	109	27	year	year	NOUN
fsr-3388	109	28	-	-	PUNCT
fsr-3388	109	29	old	old	ADJ
fsr-3388	109	30	female	female	ADJ
fsr-3388	109	31	retiree	retiree	NOUN
fsr-3388	109	32	with	with	ADP
fsr-3388	109	33	a	a	DET
fsr-3388	109	34	65	65	NUM
fsr-3388	109	35	-	-	PUNCT
fsr-3388	109	36	year	year	NOUN
fsr-3388	109	37	-	-	PUNCT
fsr-3388	109	38	old	old	ADJ
fsr-3388	109	39	male	male	NOUN
fsr-3388	109	40	spouse	spouse	NOUN
fsr-3388	109	41	.	.	PUNCT
fsr-3388	110	1	the	the	DET
fsr-3388	110	2	first	first	ADJ
fsr-3388	110	3	two	two	NUM
fsr-3388	110	4	scenarios	scenario	NOUN
fsr-3388	110	5	allow	allow	VERB
fsr-3388	110	6	a	a	DET
fsr-3388	110	7	direct	direct	ADJ
fsr-3388	110	8	comparison	comparison	NOUN
fsr-3388	110	9	between	between	ADP
fsr-3388	110	10	male	male	ADJ
fsr-3388	110	11	and	and	CCONJ
fsr-3388	110	12	female	female	ADJ
fsr-3388	110	13	retirees	retiree	NOUN
fsr-3388	110	14	;	;	PUNCT
fsr-3388	110	15	the	the	DET
fsr-3388	110	16	third	third	ADJ
fsr-3388	110	17	scenario	scenario	NOUN
fsr-3388	110	18	maps	map	VERB
fsr-3388	110	19	well	well	ADV
fsr-3388	110	20	to	to	ADP
fsr-3388	110	21	current	current	ADJ
fsr-3388	110	22	american	american	ADJ
fsr-3388	110	23	marriage	marriage	NOUN
fsr-3388	110	24	realities	reality	NOUN
fsr-3388	110	25	,	,	PUNCT
fsr-3388	110	26	where	where	SCONJ
fsr-3388	110	27	the	the	DET
fsr-3388	110	28	average	average	ADJ
fsr-3388	110	29	retirement	retirement	NOUN
fsr-3388	110	30	-	-	PUNCT
fsr-3388	110	31	age	age	NOUN
fsr-3388	110	32	spouse	spouse	NOUN
fsr-3388	110	33	is	be	AUX
fsr-3388	110	34	three	three	NUM
fsr-3388	110	35	years	year	NOUN
fsr-3388	110	36	older	old	ADJ
fsr-3388	110	37	than	than	ADP
fsr-3388	110	38	his	his	PRON
fsr-3388	110	39	spouse	spouse	NOUN
fsr-3388	110	40	as	as	SCONJ
fsr-3388	110	41	seen	see	VERB
fsr-3388	110	42	in	in	ADP
fsr-3388	110	43	table	table	NOUN
fsr-3388	110	44	2	2	NUM
fsr-3388	110	45	.	.	PUNCT
fsr-3388	110	46	table	table	NOUN
fsr-3388	110	47	3	3	NUM
fsr-3388	110	48	depicts	depict	VERB
fsr-3388	110	49	a	a	DET
fsr-3388	110	50	summary	summary	NOUN
fsr-3388	110	51	of	of	ADP
fsr-3388	110	52	results	result	NOUN
fsr-3388	110	53	and	and	CCONJ
fsr-3388	110	54	includes	include	VERB
fsr-3388	110	55	additional	additional	ADJ
fsr-3388	110	56	scenarios	scenario	NOUN
fsr-3388	110	57	to	to	PART
fsr-3388	110	58	provide	provide	VERB
fsr-3388	110	59	context	context	NOUN
fsr-3388	110	60	for	for	ADP
fsr-3388	110	61	age	age	NOUN
fsr-3388	110	62	sensitivity	sensitivity	NOUN
fsr-3388	110	63	within	within	ADP
fsr-3388	110	64	the	the	DET
fsr-3388	110	65	simulation	simulation	NOUN
fsr-3388	110	66	.	.	PUNCT
fsr-3388	111	1	4	4	X
fsr-3388	111	2	.	.	NOUN
fsr-3388	111	3	results	result	VERB
fsr-3388	111	4	4.1	4.1	NUM
fsr-3388	111	5	.	.	PUNCT
fsr-3388	111	6	case	case	NOUN
fsr-3388	111	7	1	1	NUM
fsr-3388	111	8	:	:	PUNCT
fsr-3388	111	9	62	62	NUM
fsr-3388	111	10	-	-	PUNCT
fsr-3388	111	11	year	year	NOUN
fsr-3388	111	12	-	-	PUNCT
fsr-3388	111	13	old	old	ADJ
fsr-3388	111	14	male	male	ADJ
fsr-3388	111	15	retiree	retiree	NOUN
fsr-3388	111	16	and	and	CCONJ
fsr-3388	111	17	62	62	NUM
fsr-3388	111	18	-	-	PUNCT
fsr-3388	111	19	year	year	NOUN
fsr-3388	111	20	-	-	PUNCT
fsr-3388	111	21	old	old	ADJ
fsr-3388	111	22	female	female	ADJ
fsr-3388	111	23	spouse	spouse	NOUN
fsr-3388	111	24	we	we	PRON
fsr-3388	111	25	first	first	ADV
fsr-3388	111	26	describe	describe	VERB
fsr-3388	111	27	the	the	DET
fsr-3388	111	28	number	number	NOUN
fsr-3388	111	29	of	of	ADP
fsr-3388	111	30	years	year	NOUN
fsr-3388	111	31	spouses	spouse	NOUN
fsr-3388	111	32	outlive	outlive	VERB
fsr-3388	111	33	retirees	retiree	NOUN
fsr-3388	111	34	;	;	PUNCT
fsr-3388	111	35	we	we	PRON
fsr-3388	111	36	show	show	VERB
fsr-3388	111	37	that	that	SCONJ
fsr-3388	111	38	distribution	distribution	NOUN
fsr-3388	111	39	in	in	ADP
fsr-3388	111	40	fig	fig	NOUN
fsr-3388	111	41	.	.	PUNCT
fsr-3388	112	1	2	2	X
fsr-3388	112	2	.	.	X
fsr-3388	112	3	fig	fig	NOUN
fsr-3388	112	4	.	.	PUNCT
fsr-3388	113	1	2	2	NUM
fsr-3388	113	2	illustrates	illustrate	VERB
fsr-3388	113	3	that	that	SCONJ
fsr-3388	113	4	for	for	ADP
fsr-3388	113	5	case	case	NOUN
fsr-3388	113	6	1	1	NUM
fsr-3388	113	7	,	,	PUNCT
fsr-3388	113	8	the	the	DET
fsr-3388	113	9	widow	widow	NOUN
fsr-3388	113	10	outlives	outlive	VERB
fsr-3388	113	11	the	the	DET
fsr-3388	113	12	male	male	ADJ
fsr-3388	113	13	retiree	retiree	NOUN
fsr-3388	113	14	58.9	58.9	NUM
fsr-3388	113	15	%	%	NOUN
fsr-3388	113	16	of	of	ADP
fsr-3388	113	17	the	the	DET
fsr-3388	113	18	time	time	NOUN
fsr-3388	113	19	,	,	PUNCT
fsr-3388	113	20	which	which	PRON
fsr-3388	113	21	implies	imply	VERB
fsr-3388	113	22	that	that	SCONJ
fsr-3388	113	23	41.1	41.1	NUM
fsr-3388	113	24	%	%	NOUN
fsr-3388	113	25	of	of	ADP
fsr-3388	113	26	those	those	PRON
fsr-3388	113	27	paying	pay	VERB
fsr-3388	113	28	fers	fer	NOUN
fsr-3388	113	29	survivor	survivor	NOUN
fsr-3388	113	30	insurance	insurance	NOUN
fsr-3388	113	31	premiums	premium	NOUN
fsr-3388	113	32	receive	receive	VERB
fsr-3388	113	33	no	no	DET
fsr-3388	113	34	benefit.3	benefit.3	PROPN
fsr-3388	113	35	on	on	ADP
fsr-3388	113	36	average	average	ADJ
fsr-3388	113	37	,	,	PUNCT
fsr-3388	113	38	for	for	ADP
fsr-3388	113	39	case	case	NOUN
fsr-3388	113	40	1	1	NUM
fsr-3388	113	41	,	,	PUNCT
fsr-3388	113	42	a	a	DET
fsr-3388	113	43	widow	widow	NOUN
fsr-3388	113	44	will	will	AUX
fsr-3388	113	45	live	live	VERB
fsr-3388	113	46	2.89	2.89	NUM
fsr-3388	113	47	years	year	NOUN
fsr-3388	113	48	longer	long	ADV
fsr-3388	113	49	than	than	ADP
fsr-3388	113	50	the	the	DET
fsr-3388	113	51	male	male	ADJ
fsr-3388	113	52	retiree	retiree	NOUN
fsr-3388	113	53	.	.	PUNCT
fsr-3388	114	1	to	to	PART
fsr-3388	114	2	construct	construct	VERB
fsr-3388	114	3	the	the	DET
fsr-3388	114	4	expected	expect	VERB
fsr-3388	114	5	benefits	benefit	NOUN
fsr-3388	114	6	from	from	ADP
fsr-3388	114	7	the	the	DET
fsr-3388	114	8	survivor	survivor	NOUN
fsr-3388	114	9	annuity	annuity	NOUN
fsr-3388	114	10	,	,	PUNCT
fsr-3388	114	11	we	we	PRON
fsr-3388	114	12	extract	extract	VERB
fsr-3388	114	13	from	from	ADP
fsr-3388	114	14	fig	fig	NOUN
fsr-3388	114	15	.	.	PUNCT
fsr-3388	115	1	2	2	NUM
fsr-3388	115	2	those	those	DET
fsr-3388	115	3	instances	instance	NOUN
fsr-3388	115	4	where	where	SCONJ
fsr-3388	115	5	benefits	benefit	NOUN
fsr-3388	115	6	are	be	AUX
fsr-3388	115	7	paid	pay	VERB
fsr-3388	115	8	:	:	PUNCT
fsr-3388	115	9	the	the	DET
fsr-3388	115	10	average	average	ADJ
fsr-3388	115	11	spouse	spouse	NOUN
fsr-3388	115	12	who	who	PRON
fsr-3388	115	13	outlives	outlive	VERB
fsr-3388	115	14	her	her	PRON
fsr-3388	115	15	spouse	spouse	NOUN
fsr-3388	115	16	does	do	VERB
fsr-3388	115	17	so	so	ADV
fsr-3388	115	18	by	by	ADP
fsr-3388	115	19	an	an	DET
fsr-3388	115	20	additional	additional	ADJ
fsr-3388	115	21	12	12	NUM
fsr-3388	115	22	years	year	NOUN
fsr-3388	115	23	.	.	PUNCT
fsr-3388	116	1	when	when	SCONJ
fsr-3388	116	2	the	the	DET
fsr-3388	116	3	41.1	41.1	NUM
fsr-3388	116	4	%	%	NOUN
fsr-3388	116	5	of	of	ADP
fsr-3388	116	6	spouses	spouse	NOUN
fsr-3388	116	7	who	who	PRON
fsr-3388	116	8	collect	collect	VERB
fsr-3388	116	9	no	no	DET
fsr-3388	116	10	benefits	benefit	NOUN
fsr-3388	116	11	are	be	AUX
fsr-3388	116	12	included	include	VERB
fsr-3388	116	13	,	,	PUNCT
fsr-3388	116	14	the	the	DET
fsr-3388	116	15	average	average	NOUN
fsr-3388	116	16	for	for	ADP
fsr-3388	116	17	all	all	DET
fsr-3388	116	18	widows	widow	NOUN
fsr-3388	116	19	is	be	AUX
fsr-3388	116	20	still	still	ADV
fsr-3388	116	21	6.89	6.89	NUM
fsr-3388	116	22	years	year	NOUN
fsr-3388	116	23	of	of	ADP
fsr-3388	116	24	survivor	survivor	NOUN
fsr-3388	116	25	benefits	benefit	NOUN
fsr-3388	116	26	.	.	PUNCT
fsr-3388	117	1	next	next	ADV
fsr-3388	117	2	,	,	PUNCT
fsr-3388	117	3	we	we	PRON
fsr-3388	117	4	use	use	VERB
fsr-3388	117	5	the	the	DET
fsr-3388	117	6	age	age	NOUN
fsr-3388	117	7	at	at	ADP
fsr-3388	117	8	which	which	PRON
fsr-3388	117	9	the	the	DET
fsr-3388	117	10	retiree	retiree	NOUN
fsr-3388	117	11	dies	die	VERB
fsr-3388	117	12	and	and	CCONJ
fsr-3388	117	13	the	the	DET
fsr-3388	117	14	age	age	NOUN
fsr-3388	117	15	at	at	ADP
fsr-3388	117	16	which	which	PRON
fsr-3388	117	17	the	the	DET
fsr-3388	117	18	spouse	spouse	NOUN
fsr-3388	117	19	dies	die	VERB
fsr-3388	117	20	to	to	PART
fsr-3388	117	21	construct	construct	VERB
fsr-3388	117	22	a	a	DET
fsr-3388	117	23	distribution	distribution	NOUN
fsr-3388	117	24	showing	show	VERB
fsr-3388	117	25	how	how	SCONJ
fsr-3388	117	26	many	many	ADJ
fsr-3388	117	27	male	male	ADJ
fsr-3388	117	28	retirees	retiree	NOUN
fsr-3388	117	29	of	of	ADP
fsr-3388	117	30	the	the	DET
fsr-3388	117	31	starting	start	VERB
fsr-3388	117	32	500,000	500,000	NUM
fsr-3388	117	33	are	be	AUX
fsr-3388	117	34	still	still	ADV
fsr-3388	117	35	paying	pay	VERB
fsr-3388	117	36	premiums	premium	NOUN
fsr-3388	117	37	,	,	PUNCT
fsr-3388	117	38	by	by	ADP
fsr-3388	117	39	number	number	NOUN
fsr-3388	117	40	of	of	ADP
fsr-3388	117	41	years	year	NOUN
fsr-3388	117	42	since	since	SCONJ
fsr-3388	117	43	retirement	retirement	NOUN
fsr-3388	117	44	.	.	PUNCT
fsr-3388	118	1	we	we	PRON
fsr-3388	118	2	also	also	ADV
fsr-3388	118	3	construct	construct	VERB
fsr-3388	118	4	a	a	DET
fsr-3388	118	5	distribution	distribution	NOUN
fsr-3388	118	6	showing	show	VERB
fsr-3388	118	7	the	the	DET
fsr-3388	118	8	timing	timing	NOUN
fsr-3388	118	9	of	of	ADP
fsr-3388	118	10	survivor	survivor	NOUN
fsr-3388	118	11	annuities	annuity	NOUN
fsr-3388	118	12	.	.	PUNCT
fsr-3388	119	1	fig	fig	NOUN
fsr-3388	119	2	.	.	PUNCT
fsr-3388	120	1	3	3	NUM
fsr-3388	120	2	shows	show	VERB
fsr-3388	120	3	these	these	DET
fsr-3388	120	4	two	two	NUM
fsr-3388	120	5	distributions	distribution	NOUN
fsr-3388	120	6	.	.	PUNCT
fsr-3388	121	1	the	the	DET
fsr-3388	121	2	results	result	NOUN
fsr-3388	121	3	of	of	ADP
fsr-3388	121	4	the	the	DET
fsr-3388	121	5	simulation	simulation	NOUN
fsr-3388	121	6	show	show	VERB
fsr-3388	121	7	that	that	SCONJ
fsr-3388	121	8	the	the	DET
fsr-3388	121	9	average	average	ADJ
fsr-3388	121	10	male	male	ADJ
fsr-3388	121	11	retiree	retiree	NOUN
fsr-3388	121	12	pays	pay	VERB
fsr-3388	121	13	premiums	premium	NOUN
fsr-3388	121	14	for	for	ADP
fsr-3388	121	15	15.2	15.2	NUM
fsr-3388	121	16	years	year	NOUN
fsr-3388	121	17	.	.	PUNCT
fsr-3388	122	1	fig	fig	NOUN
fsr-3388	122	2	.	.	PUNCT
fsr-3388	123	1	3	3	NUM
fsr-3388	123	2	also	also	ADV
fsr-3388	123	3	shows	show	VERB
fsr-3388	123	4	that	that	SCONJ
fsr-3388	123	5	the	the	DET
fsr-3388	123	6	benefits	benefit	NOUN
fsr-3388	123	7	from	from	ADP
fsr-3388	123	8	the	the	DET
fsr-3388	123	9	fers	fer	NOUN
fsr-3388	123	10	survivor	survivor	NOUN
fsr-3388	123	11	annuities	annuity	NOUN
fsr-3388	123	12	occur	occur	VERB
fsr-3388	123	13	much	much	ADV
fsr-3388	123	14	later	later	ADV
fsr-3388	123	15	than	than	ADP
fsr-3388	123	16	the	the	DET
fsr-3388	123	17	costs	cost	NOUN
fsr-3388	123	18	.	.	PUNCT
fsr-3388	124	1	138	138	NUM
fsr-3388	124	2	k.	k.	PROPN
fsr-3388	124	3	davis	davis	PROPN
fsr-3388	124	4	et	et	PROPN
fsr-3388	124	5	al	al	PROPN
fsr-3388	124	6	.	.	PUNCT
fsr-3388	124	7	/	/	SYM
fsr-3388	124	8	financial	financial	ADJ
fsr-3388	124	9	services	service	NOUN
fsr-3388	124	10	review	review	VERB
fsr-3388	124	11	27	27	NUM
fsr-3388	124	12	(	(	PUNCT
fsr-3388	124	13	2018	2018	NUM
fsr-3388	124	14	)	)	PUNCT
fsr-3388	124	15	133	133	NUM
fsr-3388	124	16	-	-	SYM
fsr-3388	124	17	146	146	NUM
fsr-3388	124	18	fig	fig	NOUN
fsr-3388	124	19	.	.	PUNCT
fsr-3388	125	1	3	3	NUM
fsr-3388	125	2	compares	compare	VERB
fsr-3388	125	3	the	the	DET
fsr-3388	125	4	costs	cost	NOUN
fsr-3388	125	5	and	and	CCONJ
fsr-3388	125	6	benefits	benefit	NOUN
fsr-3388	125	7	of	of	ADP
fsr-3388	125	8	fers	fer	NOUN
fsr-3388	125	9	annuity	annuity	NOUN
fsr-3388	125	10	insurance	insurance	NOUN
fsr-3388	125	11	,	,	PUNCT
fsr-3388	125	12	but	but	CCONJ
fsr-3388	125	13	the	the	DET
fsr-3388	125	14	areas	area	NOUN
fsr-3388	125	15	under	under	ADP
fsr-3388	125	16	each	each	DET
fsr-3388	125	17	curve	curve	NOUN
fsr-3388	125	18	represent	represent	VERB
fsr-3388	125	19	retiree	retiree	NOUN
fsr-3388	125	20	or	or	CCONJ
fsr-3388	125	21	survivor	survivor	NOUN
fsr-3388	125	22	counts	count	NOUN
fsr-3388	125	23	and	and	CCONJ
fsr-3388	125	24	not	not	PART
fsr-3388	125	25	dollar	dollar	NOUN
fsr-3388	125	26	amounts	amount	NOUN
fsr-3388	125	27	.	.	PUNCT
fsr-3388	126	1	hence	hence	ADV
fsr-3388	126	2	,	,	PUNCT
fsr-3388	126	3	they	they	PRON
fsr-3388	126	4	do	do	AUX
fsr-3388	126	5	not	not	PART
fsr-3388	126	6	provide	provide	VERB
fsr-3388	126	7	a	a	DET
fsr-3388	126	8	sense	sense	NOUN
fsr-3388	126	9	of	of	ADP
fsr-3388	126	10	the	the	DET
fsr-3388	126	11	relative	relative	ADJ
fsr-3388	126	12	costs	cost	NOUN
fsr-3388	126	13	and	and	CCONJ
fsr-3388	126	14	benefits	benefit	NOUN
fsr-3388	126	15	.	.	PUNCT
fsr-3388	127	1	we	we	PRON
fsr-3388	127	2	generate	generate	VERB
fsr-3388	127	3	the	the	DET
fsr-3388	127	4	estimated	estimate	VERB
fsr-3388	127	5	costs	cost	NOUN
fsr-3388	127	6	by	by	ADP
fsr-3388	127	7	summing	sum	VERB
fsr-3388	127	8	participants	participant	NOUN
fsr-3388	127	9	’	'	PUNCT
fsr-3388	127	10	premiums	premium	NOUN
fsr-3388	127	11	paid	pay	VERB
fsr-3388	127	12	in	in	ADP
fsr-3388	127	13	our	our	PRON
fsr-3388	127	14	distribution	distribution	NOUN
fsr-3388	127	15	and	and	CCONJ
fsr-3388	127	16	aggregate	aggregate	VERB
fsr-3388	127	17	estimated	estimate	VERB
fsr-3388	127	18	benefits	benefit	NOUN
fsr-3388	127	19	.	.	PUNCT
fsr-3388	128	1	fig	fig	NOUN
fsr-3388	128	2	.	.	PUNCT
fsr-3388	129	1	4	4	NUM
fsr-3388	129	2	shows	show	VERB
fsr-3388	129	3	the	the	DET
fsr-3388	129	4	simulated	simulated	ADJ
fsr-3388	129	5	total	total	ADJ
fsr-3388	129	6	real	real	ADJ
fsr-3388	129	7	dollar	dollar	NOUN
fsr-3388	129	8	value	value	NOUN
fsr-3388	129	9	paid	pay	VERB
fsr-3388	129	10	in	in	ADP
fsr-3388	129	11	by	by	ADP
fsr-3388	129	12	retirees	retiree	NOUN
fsr-3388	129	13	each	each	DET
fsr-3388	129	14	year	year	NOUN
fsr-3388	129	15	and	and	CCONJ
fsr-3388	129	16	the	the	DET
fsr-3388	129	17	total	total	ADJ
fsr-3388	129	18	dollar	dollar	NOUN
fsr-3388	129	19	amount	amount	NOUN
fsr-3388	129	20	paid	pay	VERB
fsr-3388	129	21	out	out	ADP
fsr-3388	129	22	by	by	ADP
fsr-3388	129	23	the	the	DET
fsr-3388	129	24	government	government	NOUN
fsr-3388	129	25	.	.	PUNCT
fsr-3388	130	1	the	the	DET
fsr-3388	130	2	starting	starting	NOUN
fsr-3388	130	3	point	point	NOUN
fsr-3388	130	4	is	be	AUX
fsr-3388	130	5	500,000	500,000	NUM
fsr-3388	130	6	62	62	NUM
fsr-3388	130	7	-	-	PUNCT
fsr-3388	130	8	year	year	NOUN
fsr-3388	130	9	-	-	PUNCT
fsr-3388	130	10	old	old	ADJ
fsr-3388	130	11	male	male	ADJ
fsr-3388	130	12	retirees	retiree	NOUN
fsr-3388	130	13	who	who	PRON
fsr-3388	130	14	have	have	VERB
fsr-3388	130	15	62	62	NUM
fsr-3388	130	16	-	-	PUNCT
fsr-3388	130	17	year	year	NOUN
fsr-3388	130	18	-	-	PUNCT
fsr-3388	130	19	old	old	ADJ
fsr-3388	130	20	female	female	ADJ
fsr-3388	130	21	spouses	spouse	NOUN
fsr-3388	130	22	.	.	PUNCT
fsr-3388	131	1	fig	fig	NOUN
fsr-3388	131	2	.	.	PUNCT
fsr-3388	132	1	4	4	NUM
fsr-3388	132	2	shows	show	VERB
fsr-3388	132	3	the	the	DET
fsr-3388	132	4	area	area	NOUN
fsr-3388	132	5	under	under	ADP
fsr-3388	132	6	the	the	DET
fsr-3388	132	7	benefits	benefit	NOUN
fsr-3388	132	8	curve	curve	NOUN
fsr-3388	132	9	is	be	AUX
fsr-3388	132	10	larger	large	ADJ
fsr-3388	132	11	than	than	ADP
fsr-3388	132	12	the	the	DET
fsr-3388	132	13	area	area	NOUN
fsr-3388	132	14	described	describe	VERB
fsr-3388	132	15	by	by	ADP
fsr-3388	132	16	the	the	DET
fsr-3388	132	17	costs	cost	NOUN
fsr-3388	132	18	curve	curve	NOUN
fsr-3388	132	19	.	.	PUNCT
fsr-3388	133	1	since	since	SCONJ
fsr-3388	133	2	both	both	DET
fsr-3388	133	3	cash	cash	NOUN
fsr-3388	133	4	flows	flow	NOUN
fsr-3388	133	5	are	be	AUX
fsr-3388	133	6	inflation	inflation	NOUN
fsr-3388	133	7	-	-	PUNCT
fsr-3388	133	8	adjusted	adjust	VERB
fsr-3388	133	9	,	,	PUNCT
fsr-3388	133	10	we	we	PRON
fsr-3388	133	11	conclude	conclude	VERB
fsr-3388	133	12	there	there	PRON
fsr-3388	133	13	is	be	VERB
fsr-3388	133	14	substantial	substantial	ADJ
fsr-3388	133	15	aggregate	aggregate	ADJ
fsr-3388	133	16	real	real	ADJ
fsr-3388	133	17	return	return	NOUN
fsr-3388	133	18	here	here	ADV
fsr-3388	133	19	.	.	PUNCT
fsr-3388	134	1	to	to	PART
fsr-3388	134	2	be	be	AUX
fsr-3388	134	3	more	more	ADV
fsr-3388	134	4	specific	specific	ADJ
fsr-3388	134	5	we	we	PRON
fsr-3388	134	6	calculate	calculate	VERB
fsr-3388	134	7	the	the	DET
fsr-3388	134	8	internal	internal	ADJ
fsr-3388	134	9	rate	rate	NOUN
fsr-3388	134	10	of	of	ADP
fsr-3388	134	11	return	return	NOUN
fsr-3388	134	12	.	.	PUNCT
fsr-3388	135	1	for	for	ADP
fsr-3388	135	2	case	case	NOUN
fsr-3388	135	3	1	1	NUM
fsr-3388	135	4	the	the	DET
fsr-3388	135	5	computed	computed	ADJ
fsr-3388	135	6	rate	rate	NOUN
fsr-3388	135	7	is	be	AUX
fsr-3388	135	8	7.4	7.4	NUM
fsr-3388	135	9	%	%	NOUN
fsr-3388	135	10	.	.	PUNCT
fsr-3388	136	1	as	as	ADP
fsr-3388	136	2	an	an	DET
fsr-3388	136	3	after	after	NOUN
fsr-3388	136	4	-	-	PUNCT
fsr-3388	136	5	inflation	inflation	NOUN
fsr-3388	136	6	(	(	PUNCT
fsr-3388	136	7	real	real	ADJ
fsr-3388	136	8	)	)	PUNCT
fsr-3388	136	9	return	return	NOUN
fsr-3388	136	10	,	,	PUNCT
fsr-3388	136	11	this	this	PRON
fsr-3388	136	12	is	be	AUX
fsr-3388	136	13	remarkable	remarkable	ADJ
fsr-3388	136	14	for	for	ADP
fsr-3388	136	15	a	a	DET
fsr-3388	136	16	government	government	NOUN
fsr-3388	136	17	-	-	PUNCT
fsr-3388	136	18	guaranteed	guarantee	VERB
fsr-3388	136	19	contract	contract	NOUN
fsr-3388	136	20	.	.	PUNCT
fsr-3388	137	1	according	accord	VERB
fsr-3388	137	2	to	to	ADP
fsr-3388	137	3	siegel	siegel	PROPN
fsr-3388	137	4	(	(	PUNCT
fsr-3388	137	5	2014	2014	NUM
fsr-3388	137	6	)	)	PUNCT
fsr-3388	137	7	,	,	PUNCT
fsr-3388	137	8	real	real	ADJ
fsr-3388	137	9	returns	return	NOUN
fsr-3388	137	10	from	from	ADP
fsr-3388	137	11	the	the	DET
fsr-3388	137	12	table	table	NOUN
fsr-3388	137	13	3	3	NUM
fsr-3388	137	14	summary	summary	NOUN
fsr-3388	137	15	of	of	ADP
fsr-3388	137	16	results	result	NOUN
fsr-3388	137	17	implied	imply	VERB
fsr-3388	137	18	discount	discount	NOUN
fsr-3388	137	19	rate	rate	NOUN
fsr-3388	137	20	percent	percent	NOUN
fsr-3388	137	21	of	of	ADP
fsr-3388	137	22	annuitants	annuitant	NOUN
fsr-3388	137	23	at	at	ADP
fsr-3388	137	24	or	or	CCONJ
fsr-3388	137	25	above	above	ADP
fsr-3388	137	26	implied	imply	VERB
fsr-3388	137	27	discount	discount	NOUN
fsr-3388	137	28	rate	rate	NOUN
fsr-3388	137	29	average	average	ADJ
fsr-3388	137	30	number	number	NOUN
fsr-3388	137	31	of	of	ADP
fsr-3388	137	32	years	year	NOUN
fsr-3388	137	33	receiving	receive	VERB
fsr-3388	137	34	survivor	survivor	NOUN
fsr-3388	137	35	annuity	annuity	NOUN
fsr-3388	137	36	percent	percent	NOUN
fsr-3388	137	37	chance	chance	NOUN
fsr-3388	137	38	spouse	spouse	NOUN
fsr-3388	137	39	outlives	outlive	VERB
fsr-3388	137	40	retiree	retiree	NOUN
fsr-3388	137	41	case	case	NOUN
fsr-3388	137	42	1	1	NUM
fsr-3388	137	43	7.6	7.6	NUM
fsr-3388	137	44	%	%	NOUN
fsr-3388	137	45	30.0	30.0	NUM
fsr-3388	137	46	%	%	NOUN
fsr-3388	137	47	6.89	6.89	NUM
fsr-3388	137	48	58.9	58.9	NUM
fsr-3388	137	49	%	%	NOUN
fsr-3388	137	50	62	62	NUM
fsr-3388	137	51	y	y	PROPN
fsr-3388	137	52	/	/	SYM
fsr-3388	137	53	o	o	NOUN
fsr-3388	137	54	male	male	NOUN
fsr-3388	137	55	retiree	retiree	NOUN
fsr-3388	137	56	62	62	NUM
fsr-3388	137	57	y	y	PROPN
fsr-3388	137	58	/	/	SYM
fsr-3388	137	59	o	o	NOUN
fsr-3388	137	60	female	female	ADJ
fsr-3388	137	61	spouse	spouse	NOUN
fsr-3388	137	62	case	case	NOUN
fsr-3388	137	63	2	2	NUM
fsr-3388	137	64	1.9	1.9	NUM
fsr-3388	137	65	%	%	NOUN
fsr-3388	137	66	27.3	27.3	NUM
fsr-3388	137	67	%	%	NOUN
fsr-3388	137	68	3.98	3.98	NUM
fsr-3388	137	69	41.1	41.1	NUM
fsr-3388	137	70	%	%	NOUN
fsr-3388	137	71	62	62	NUM
fsr-3388	137	72	y	y	PROPN
fsr-3388	137	73	/	/	SYM
fsr-3388	137	74	o	o	NOUN
fsr-3388	137	75	female	female	ADJ
fsr-3388	137	76	retiree	retiree	NOUN
fsr-3388	137	77	62	62	NUM
fsr-3388	137	78	y	y	PROPN
fsr-3388	137	79	/	/	SYM
fsr-3388	137	80	o	o	NOUN
fsr-3388	137	81	male	male	NOUN
fsr-3388	137	82	spouse	spouse	NOUN
fsr-3388	137	83	case	case	NOUN
fsr-3388	137	84	3	3	NUM
fsr-3388	137	85	�	�	SYM
fsr-3388	137	86	0	0	NUM
fsr-3388	137	87	%	%	NOUN
fsr-3388	137	88	na	na	ADP
fsr-3388	137	89	3.00	3.00	NUM
fsr-3388	137	90	34.1	34.1	NUM
fsr-3388	137	91	%	%	NOUN
fsr-3388	137	92	62	62	NUM
fsr-3388	137	93	y	y	PROPN
fsr-3388	137	94	/	/	SYM
fsr-3388	137	95	o	o	NOUN
fsr-3388	137	96	female	female	ADJ
fsr-3388	137	97	retiree	retiree	NOUN
fsr-3388	137	98	65	65	NUM
fsr-3388	137	99	y	y	PROPN
fsr-3388	137	100	/	/	SYM
fsr-3388	137	101	o	o	NOUN
fsr-3388	137	102	male	male	NOUN
fsr-3388	137	103	spouse	spouse	NOUN
fsr-3388	137	104	additional	additional	ADJ
fsr-3388	137	105	cases	case	NOUN
fsr-3388	137	106	case	case	NOUN
fsr-3388	137	107	4	4	NUM
fsr-3388	137	108	10.3	10.3	NUM
fsr-3388	137	109	%	%	NOUN
fsr-3388	137	110	29.8	29.8	NUM
fsr-3388	137	111	%	%	NOUN
fsr-3388	137	112	6.29	6.29	NUM
fsr-3388	137	113	58.6	58.6	NUM
fsr-3388	137	114	%	%	NOUN
fsr-3388	137	115	66	66	NUM
fsr-3388	137	116	y	y	PROPN
fsr-3388	137	117	/	/	SYM
fsr-3388	137	118	o	o	NOUN
fsr-3388	137	119	male	male	NOUN
fsr-3388	137	120	retiree	retiree	NOUN
fsr-3388	137	121	66	66	NUM
fsr-3388	137	122	y	y	PROPN
fsr-3388	137	123	/	/	SYM
fsr-3388	137	124	o	o	NOUN
fsr-3388	137	125	female	female	ADJ
fsr-3388	137	126	spouse	spouse	NOUN
fsr-3388	137	127	case	case	NOUN
fsr-3388	137	128	5	5	NUM
fsr-3388	137	129	3.6	3.6	NUM
fsr-3388	137	130	%	%	NOUN
fsr-3388	137	131	27.0	27.0	NUM
fsr-3388	137	132	%	%	NOUN
fsr-3388	137	133	3.69	3.69	NUM
fsr-3388	137	134	41.4	41.4	NUM
fsr-3388	137	135	%	%	NOUN
fsr-3388	137	136	66	66	NUM
fsr-3388	137	137	y	y	PROPN
fsr-3388	137	138	/	/	SYM
fsr-3388	137	139	o	o	NOUN
fsr-3388	137	140	female	female	ADJ
fsr-3388	137	141	retiree	retiree	NOUN
fsr-3388	137	142	66	66	NUM
fsr-3388	137	143	y	y	PROPN
fsr-3388	137	144	/	/	SYM
fsr-3388	137	145	o	o	NOUN
fsr-3388	137	146	male	male	NOUN
fsr-3388	137	147	spouse	spouse	NOUN
fsr-3388	137	148	case	case	NOUN
fsr-3388	137	149	6	6	NUM
fsr-3388	137	150	4.8	4.8	NUM
fsr-3388	137	151	%	%	NOUN
fsr-3388	137	152	30.8	30.8	NUM
fsr-3388	137	153	%	%	NOUN
fsr-3388	137	154	7.71	7.71	NUM
fsr-3388	137	155	59.3	59.3	NUM
fsr-3388	137	156	%	%	NOUN
fsr-3388	137	157	56	56	NUM
fsr-3388	137	158	y	y	PROPN
fsr-3388	137	159	/	/	SYM
fsr-3388	137	160	o	o	NOUN
fsr-3388	137	161	male	male	NOUN
fsr-3388	137	162	retiree	retiree	NOUN
fsr-3388	137	163	56	56	NUM
fsr-3388	137	164	y	y	PROPN
fsr-3388	137	165	/	/	SYM
fsr-3388	137	166	o	o	NOUN
fsr-3388	137	167	female	female	ADJ
fsr-3388	137	168	spouse	spouse	NOUN
fsr-3388	137	169	case	case	NOUN
fsr-3388	137	170	7	7	NUM
fsr-3388	137	171	�	�	NOUN
fsr-3388	137	172	0	0	NUM
fsr-3388	137	173	%	%	NOUN
fsr-3388	137	174	27.3	27.3	NUM
fsr-3388	137	175	%	%	NOUN
fsr-3388	137	176	4.37	4.37	NUM
fsr-3388	137	177	40.7	40.7	NUM
fsr-3388	137	178	%	%	NOUN
fsr-3388	137	179	56	56	NUM
fsr-3388	137	180	y	y	PROPN
fsr-3388	137	181	/	/	SYM
fsr-3388	137	182	o	o	NOUN
fsr-3388	137	183	female	female	ADJ
fsr-3388	137	184	retiree	retiree	NOUN
fsr-3388	137	185	56	56	NUM
fsr-3388	137	186	y	y	PROPN
fsr-3388	137	187	/	/	SYM
fsr-3388	137	188	o	o	NOUN
fsr-3388	137	189	male	male	NOUN
fsr-3388	137	190	spouse	spouse	NOUN
fsr-3388	137	191	case	case	NOUN
fsr-3388	137	192	8	8	NUM
fsr-3388	137	193	8.65	8.65	NUM
fsr-3388	137	194	%	%	NOUN
fsr-3388	137	195	30.9	30.9	NUM
fsr-3388	137	196	%	%	NOUN
fsr-3388	137	197	8.60	8.60	NUM
fsr-3388	137	198	65.9	65.9	NUM
fsr-3388	137	199	%	%	NOUN
fsr-3388	137	200	62	62	NUM
fsr-3388	137	201	y	y	PROPN
fsr-3388	137	202	/	/	SYM
fsr-3388	137	203	o	o	NOUN
fsr-3388	137	204	male	male	NOUN
fsr-3388	137	205	retiree	retiree	NOUN
fsr-3388	137	206	59	59	NUM
fsr-3388	137	207	y	y	PROPN
fsr-3388	137	208	/	/	SYM
fsr-3388	137	209	o	o	NOUN
fsr-3388	137	210	female	female	ADJ
fsr-3388	137	211	spouse	spouse	NOUN
fsr-3388	137	212	case	case	NOUN
fsr-3388	137	213	9	9	NUM
fsr-3388	137	214	3.5	3.5	NUM
fsr-3388	137	215	%	%	NOUN
fsr-3388	137	216	29.2	29.2	NUM
fsr-3388	137	217	%	%	NOUN
fsr-3388	137	218	5.21	5.21	NUM
fsr-3388	137	219	48.4	48.4	NUM
fsr-3388	137	220	%	%	NOUN
fsr-3388	137	221	62	62	NUM
fsr-3388	137	222	y	y	PROPN
fsr-3388	137	223	/	/	SYM
fsr-3388	137	224	o	o	NOUN
fsr-3388	137	225	female	female	ADJ
fsr-3388	137	226	retiree	retiree	NOUN
fsr-3388	137	227	59	59	NUM
fsr-3388	137	228	y	y	PROPN
fsr-3388	137	229	/	/	SYM
fsr-3388	137	230	o	o	NOUN
fsr-3388	137	231	male	male	NOUN
fsr-3388	137	232	spouse	spouse	NOUN
fsr-3388	137	233	case	case	NOUN
fsr-3388	137	234	10	10	NUM
fsr-3388	137	235	62	62	NUM
fsr-3388	137	236	y	y	PROPN
fsr-3388	137	237	/	/	SYM
fsr-3388	137	238	o	o	NOUN
fsr-3388	137	239	male	male	NOUN
fsr-3388	137	240	retiree	retiree	NOUN
fsr-3388	137	241	6.25	6.25	NUM
fsr-3388	137	242	%	%	NOUN
fsr-3388	137	243	29.4	29.4	NUM
fsr-3388	137	244	%	%	NOUN
fsr-3388	137	245	5.39	5.39	NUM
fsr-3388	137	246	51.4	51.4	NUM
fsr-3388	137	247	%	%	NOUN
fsr-3388	137	248	65	65	NUM
fsr-3388	137	249	y	y	PROPN
fsr-3388	137	250	/	/	SYM
fsr-3388	137	251	o	o	NOUN
fsr-3388	137	252	female	female	NOUN
fsr-3388	137	253	spouse	spouse	NOUN
fsr-3388	137	254	139k	139k	PROPN
fsr-3388	137	255	.	.	PUNCT
fsr-3388	138	1	davis	davis	PROPN
fsr-3388	138	2	et	et	PROPN
fsr-3388	138	3	al	al	PROPN
fsr-3388	138	4	.	.	PUNCT
fsr-3388	138	5	/	/	SYM
fsr-3388	138	6	financial	financial	ADJ
fsr-3388	138	7	services	service	NOUN
fsr-3388	138	8	review	review	VERB
fsr-3388	138	9	27	27	NUM
fsr-3388	138	10	(	(	PUNCT
fsr-3388	138	11	2018	2018	NUM
fsr-3388	138	12	)	)	PUNCT
fsr-3388	138	13	133	133	NUM
fsr-3388	138	14	-	-	SYM
fsr-3388	138	15	146	146	NUM
fsr-3388	138	16	stock	stock	NOUN
fsr-3388	138	17	market	market	NOUN
fsr-3388	138	18	over	over	ADP
fsr-3388	138	19	the	the	DET
fsr-3388	138	20	last	last	ADJ
fsr-3388	138	21	86	86	NUM
fsr-3388	138	22	years	year	NOUN
fsr-3388	138	23	have	have	AUX
fsr-3388	138	24	been	be	AUX
fsr-3388	138	25	approximately	approximately	ADV
fsr-3388	138	26	6.4	6.4	NUM
fsr-3388	138	27	%	%	NOUN
fsr-3388	138	28	.	.	PUNCT
fsr-3388	139	1	in	in	ADP
fsr-3388	139	2	this	this	DET
fsr-3388	139	3	case	case	NOUN
fsr-3388	139	4	,	,	PUNCT
fsr-3388	139	5	the	the	DET
fsr-3388	139	6	real	real	ADJ
fsr-3388	139	7	return	return	NOUN
fsr-3388	139	8	of	of	ADP
fsr-3388	139	9	the	the	DET
fsr-3388	139	10	low	low	ADJ
fsr-3388	139	11	-	-	PUNCT
fsr-3388	139	12	risk	risk	NOUN
fsr-3388	139	13	fers	fer	NOUN
fsr-3388	139	14	annuity	annuity	NOUN
fsr-3388	139	15	benefit	benefit	NOUN
fsr-3388	139	16	exceeds	exceed	VERB
fsr-3388	139	17	the	the	DET
fsr-3388	139	18	(	(	PUNCT
fsr-3388	139	19	risky	risky	ADJ
fsr-3388	139	20	)	)	PUNCT
fsr-3388	139	21	historical	historical	ADJ
fsr-3388	139	22	real	real	ADJ
fsr-3388	139	23	return	return	NOUN
fsr-3388	139	24	from	from	ADP
fsr-3388	139	25	stocks.4	stocks.4	PROPN
fsr-3388	139	26	fig	fig	NOUN
fsr-3388	139	27	.	.	PUNCT
fsr-3388	140	1	2	2	NUM
fsr-3388	140	2	.	.	X
fsr-3388	140	3	number	number	NOUN
fsr-3388	140	4	of	of	ADP
fsr-3388	140	5	years	year	NOUN
fsr-3388	140	6	spouse	spouse	NOUN
fsr-3388	140	7	outlives	outlive	VERB
fsr-3388	140	8	retiree	retiree	NOUN
fsr-3388	140	9	(	(	PUNCT
fsr-3388	140	10	500,000	500,000	NUM
fsr-3388	140	11	simulations	simulation	NOUN
fsr-3388	140	12	,	,	PUNCT
fsr-3388	140	13	each	each	DET
fsr-3388	140	14	retiree	retiree	NOUN
fsr-3388	140	15	was	be	AUX
fsr-3388	140	16	62	62	NUM
fsr-3388	140	17	-	-	PUNCT
fsr-3388	140	18	year	year	NOUN
fsr-3388	140	19	-	-	PUNCT
fsr-3388	140	20	old	old	ADJ
fsr-3388	140	21	male	male	NOUN
fsr-3388	140	22	with	with	ADP
fsr-3388	140	23	62	62	NUM
fsr-3388	140	24	-	-	PUNCT
fsr-3388	140	25	year	year	NOUN
fsr-3388	140	26	-	-	PUNCT
fsr-3388	140	27	old	old	ADJ
fsr-3388	140	28	spouse	spouse	NOUN
fsr-3388	140	29	)	)	PUNCT
fsr-3388	140	30	.	.	PUNCT
fsr-3388	141	1	fig	fig	NOUN
fsr-3388	141	2	.	.	PUNCT
fsr-3388	142	1	3	3	X
fsr-3388	142	2	.	.	X
fsr-3388	142	3	timing	timing	NOUN
fsr-3388	142	4	of	of	ADP
fsr-3388	142	5	benefits	benefit	NOUN
fsr-3388	142	6	and	and	CCONJ
fsr-3388	142	7	premiums	premium	NOUN
fsr-3388	142	8	by	by	ADP
fsr-3388	142	9	number	number	NOUN
fsr-3388	142	10	of	of	ADP
fsr-3388	142	11	retirees	retiree	NOUN
fsr-3388	142	12	or	or	CCONJ
fsr-3388	142	13	survivors	survivor	NOUN
fsr-3388	142	14	(	(	PUNCT
fsr-3388	142	15	based	base	VERB
fsr-3388	142	16	on	on	ADP
fsr-3388	142	17	a	a	DET
fsr-3388	142	18	starting	starting	NOUN
fsr-3388	142	19	point	point	NOUN
fsr-3388	142	20	of	of	ADP
fsr-3388	142	21	100,000	100,000	NUM
fsr-3388	142	22	survivor	survivor	NOUN
fsr-3388	142	23	benefit	benefit	NOUN
fsr-3388	142	24	plan	plan	NOUN
fsr-3388	142	25	[	[	X
fsr-3388	142	26	sbp	sbp	X
fsr-3388	142	27	]	]	X
fsr-3388	142	28	insured	insure	VERB
fsr-3388	142	29	retirees	retiree	NOUN
fsr-3388	142	30	;	;	PUNCT
fsr-3388	142	31	each	each	DET
fsr-3388	142	32	retiree	retiree	NOUN
fsr-3388	142	33	is	be	AUX
fsr-3388	142	34	62	62	NUM
fsr-3388	142	35	-	-	PUNCT
fsr-3388	142	36	year	year	NOUN
fsr-3388	142	37	-	-	PUNCT
fsr-3388	142	38	old	old	ADJ
fsr-3388	142	39	male	male	NOUN
fsr-3388	142	40	with	with	ADP
fsr-3388	142	41	62	62	NUM
fsr-3388	142	42	-	-	PUNCT
fsr-3388	142	43	year	year	NOUN
fsr-3388	142	44	-	-	PUNCT
fsr-3388	142	45	old	old	ADJ
fsr-3388	142	46	spouse	spouse	NOUN
fsr-3388	142	47	)	)	PUNCT
fsr-3388	142	48	.	.	PUNCT
fsr-3388	143	1	140	140	NUM
fsr-3388	143	2	k.	k.	PROPN
fsr-3388	143	3	davis	davis	PROPN
fsr-3388	143	4	et	et	PROPN
fsr-3388	143	5	al	al	PROPN
fsr-3388	143	6	.	.	PUNCT
fsr-3388	143	7	/	/	SYM
fsr-3388	143	8	financial	financial	ADJ
fsr-3388	143	9	services	service	NOUN
fsr-3388	143	10	review	review	VERB
fsr-3388	143	11	27	27	NUM
fsr-3388	143	12	(	(	PUNCT
fsr-3388	143	13	2018	2018	NUM
fsr-3388	143	14	)	)	PUNCT
fsr-3388	143	15	133	133	NUM
fsr-3388	143	16	-	-	SYM
fsr-3388	143	17	146	146	NUM
fsr-3388	143	18	4.2	4.2	NUM
fsr-3388	143	19	.	.	PUNCT
fsr-3388	144	1	case	case	NOUN
fsr-3388	144	2	2	2	NUM
fsr-3388	144	3	:	:	PUNCT
fsr-3388	144	4	62	62	NUM
fsr-3388	144	5	-	-	PUNCT
fsr-3388	144	6	year	year	NOUN
fsr-3388	144	7	-	-	PUNCT
fsr-3388	144	8	old	old	ADJ
fsr-3388	144	9	female	female	ADJ
fsr-3388	144	10	retiree	retiree	NOUN
fsr-3388	144	11	,	,	PUNCT
fsr-3388	144	12	62	62	NUM
fsr-3388	144	13	-	-	PUNCT
fsr-3388	144	14	year	year	NOUN
fsr-3388	144	15	-	-	PUNCT
fsr-3388	144	16	old	old	ADJ
fsr-3388	144	17	male	male	NOUN
fsr-3388	144	18	spouse	spouse	NOUN
fsr-3388	144	19	fig	fig	NOUN
fsr-3388	144	20	.	.	PUNCT
fsr-3388	145	1	5	5	NUM
fsr-3388	145	2	replicates	replicate	VERB
fsr-3388	145	3	fig	fig	NOUN
fsr-3388	145	4	.	.	PUNCT
fsr-3388	145	5	4	4	NUM
fsr-3388	145	6	with	with	ADP
fsr-3388	145	7	the	the	DET
fsr-3388	145	8	genders	gender	NOUN
fsr-3388	145	9	of	of	ADP
fsr-3388	145	10	the	the	DET
fsr-3388	145	11	retiree	retiree	NOUN
fsr-3388	145	12	and	and	CCONJ
fsr-3388	145	13	spouse	spouse	NOUN
fsr-3388	145	14	reversed	reverse	VERB
fsr-3388	145	15	.	.	PUNCT
fsr-3388	146	1	in	in	ADP
fsr-3388	146	2	fig	fig	NOUN
fsr-3388	146	3	.	.	PUNCT
fsr-3388	147	1	5	5	NUM
fsr-3388	147	2	,	,	PUNCT
fsr-3388	147	3	the	the	DET
fsr-3388	147	4	difference	difference	NOUN
fsr-3388	147	5	in	in	ADP
fsr-3388	147	6	the	the	DET
fsr-3388	147	7	areas	area	NOUN
fsr-3388	147	8	under	under	ADP
fsr-3388	147	9	the	the	DET
fsr-3388	147	10	two	two	NUM
fsr-3388	147	11	curves	curve	NOUN
fsr-3388	147	12	is	be	AUX
fsr-3388	147	13	much	much	ADV
fsr-3388	147	14	less	less	ADV
fsr-3388	147	15	dramatic	dramatic	ADJ
fsr-3388	147	16	than	than	ADP
fsr-3388	147	17	in	in	ADP
fsr-3388	147	18	fig	fig	NOUN
fsr-3388	147	19	.	.	PUNCT
fsr-3388	148	1	4	4	X
fsr-3388	148	2	.	.	X
fsr-3388	148	3	with	with	SCONJ
fsr-3388	148	4	genders	gender	NOUN
fsr-3388	148	5	reversed	reverse	VERB
fsr-3388	148	6	,	,	PUNCT
fsr-3388	148	7	the	the	DET
fsr-3388	148	8	female	female	ADJ
fsr-3388	148	9	retiree	retiree	NOUN
fsr-3388	148	10	is	be	AUX
fsr-3388	148	11	expected	expect	VERB
fsr-3388	148	12	to	to	PART
fsr-3388	148	13	outlive	outlive	VERB
fsr-3388	148	14	her	her	PRON
fsr-3388	148	15	spouse	spouse	NOUN
fsr-3388	148	16	approximately	approximately	ADV
fsr-3388	148	17	58.9	58.9	NUM
fsr-3388	148	18	%	%	NOUN
fsr-3388	148	19	of	of	ADP
fsr-3388	148	20	the	the	DET
fsr-3388	148	21	time	time	NOUN
fsr-3388	148	22	,	,	PUNCT
fsr-3388	148	23	and	and	CCONJ
fsr-3388	148	24	the	the	DET
fsr-3388	148	25	implied	imply	VERB
fsr-3388	148	26	real	real	ADJ
fsr-3388	148	27	rate	rate	NOUN
fsr-3388	148	28	of	of	ADP
fsr-3388	148	29	return	return	NOUN
fsr-3388	148	30	falls	fall	VERB
fsr-3388	148	31	to	to	ADP
fsr-3388	148	32	a	a	DET
fsr-3388	148	33	relatively	relatively	ADV
fsr-3388	148	34	meager	meager	ADJ
fsr-3388	148	35	1.7%.5	1.7%.5	ADJ
fsr-3388	148	36	fig	fig	NOUN
fsr-3388	148	37	.	.	PUNCT
fsr-3388	149	1	4	4	X
fsr-3388	149	2	.	.	X
fsr-3388	149	3	timing	timing	NOUN
fsr-3388	149	4	and	and	CCONJ
fsr-3388	149	5	amounts	amount	NOUN
fsr-3388	149	6	of	of	ADP
fsr-3388	149	7	federal	federal	ADJ
fsr-3388	149	8	employees	employee	NOUN
fsr-3388	149	9	retirement	retirement	NOUN
fsr-3388	149	10	system	system	NOUN
fsr-3388	149	11	(	(	PUNCT
fsr-3388	149	12	fers	fer	NOUN
fsr-3388	149	13	)	)	PUNCT
fsr-3388	149	14	insurance	insurance	NOUN
fsr-3388	149	15	costs	cost	NOUN
fsr-3388	149	16	and	and	CCONJ
fsr-3388	149	17	benefits	benefit	NOUN
fsr-3388	149	18	(	(	PUNCT
fsr-3388	149	19	62	62	NUM
fsr-3388	149	20	-	-	PUNCT
fsr-3388	149	21	year	year	NOUN
fsr-3388	149	22	-	-	PUNCT
fsr-3388	149	23	old	old	ADJ
fsr-3388	149	24	male	male	NOUN
fsr-3388	149	25	retiree	retiree	NOUN
fsr-3388	149	26	with	with	ADP
fsr-3388	149	27	62	62	NUM
fsr-3388	149	28	-	-	PUNCT
fsr-3388	149	29	year	year	NOUN
fsr-3388	149	30	-	-	PUNCT
fsr-3388	149	31	old	old	ADJ
fsr-3388	149	32	female	female	ADJ
fsr-3388	149	33	spouse	spouse	NOUN
fsr-3388	149	34	)	)	PUNCT
fsr-3388	149	35	.	.	PUNCT
fsr-3388	150	1	fig	fig	NOUN
fsr-3388	150	2	.	.	PUNCT
fsr-3388	151	1	5	5	X
fsr-3388	151	2	.	.	X
fsr-3388	151	3	timing	timing	NOUN
fsr-3388	151	4	and	and	CCONJ
fsr-3388	151	5	amounts	amount	NOUN
fsr-3388	151	6	of	of	ADP
fsr-3388	151	7	federal	federal	ADJ
fsr-3388	151	8	employees	employee	NOUN
fsr-3388	151	9	retirement	retirement	NOUN
fsr-3388	151	10	system	system	NOUN
fsr-3388	151	11	(	(	PUNCT
fsr-3388	151	12	fers	fer	NOUN
fsr-3388	151	13	)	)	PUNCT
fsr-3388	151	14	insurance	insurance	NOUN
fsr-3388	151	15	costs	cost	NOUN
fsr-3388	151	16	and	and	CCONJ
fsr-3388	151	17	benefits	benefit	NOUN
fsr-3388	151	18	(	(	PUNCT
fsr-3388	151	19	62	62	NUM
fsr-3388	151	20	-	-	PUNCT
fsr-3388	151	21	year	year	NOUN
fsr-3388	151	22	-	-	PUNCT
fsr-3388	151	23	old	old	ADJ
fsr-3388	151	24	female	female	ADJ
fsr-3388	151	25	retiree	retiree	NOUN
fsr-3388	151	26	with	with	ADP
fsr-3388	151	27	62	62	NUM
fsr-3388	151	28	-	-	PUNCT
fsr-3388	151	29	year	year	NOUN
fsr-3388	151	30	-	-	PUNCT
fsr-3388	151	31	old	old	ADJ
fsr-3388	151	32	male	male	NOUN
fsr-3388	151	33	spouse	spouse	NOUN
fsr-3388	151	34	)	)	PUNCT
fsr-3388	151	35	.	.	PUNCT
fsr-3388	152	1	141k	141k	PROPN
fsr-3388	152	2	.	.	PUNCT
fsr-3388	153	1	davis	davis	PROPN
fsr-3388	153	2	et	et	PROPN
fsr-3388	153	3	al	al	PROPN
fsr-3388	153	4	.	.	PUNCT
fsr-3388	153	5	/	/	SYM
fsr-3388	153	6	financial	financial	ADJ
fsr-3388	153	7	services	service	NOUN
fsr-3388	153	8	review	review	VERB
fsr-3388	153	9	27	27	NUM
fsr-3388	153	10	(	(	PUNCT
fsr-3388	153	11	2018	2018	NUM
fsr-3388	153	12	)	)	PUNCT
fsr-3388	153	13	133	133	NUM
fsr-3388	153	14	-	-	SYM
fsr-3388	153	15	146	146	NUM
fsr-3388	153	16	4.3	4.3	NUM
fsr-3388	153	17	case	case	NOUN
fsr-3388	153	18	3	3	NUM
fsr-3388	153	19	:	:	PUNCT
fsr-3388	153	20	62	62	NUM
fsr-3388	153	21	-	-	PUNCT
fsr-3388	153	22	year	year	NOUN
fsr-3388	153	23	-	-	PUNCT
fsr-3388	153	24	old	old	ADJ
fsr-3388	153	25	female	female	ADJ
fsr-3388	153	26	retiree	retiree	NOUN
fsr-3388	153	27	and	and	CCONJ
fsr-3388	153	28	65	65	NUM
fsr-3388	153	29	-	-	PUNCT
fsr-3388	153	30	year	year	NOUN
fsr-3388	153	31	-	-	PUNCT
fsr-3388	153	32	old	old	ADJ
fsr-3388	153	33	male	male	NOUN
fsr-3388	153	34	spouse	spouse	NOUN
fsr-3388	153	35	for	for	ADP
fsr-3388	153	36	female	female	ADJ
fsr-3388	153	37	retirees	retiree	NOUN
fsr-3388	153	38	,	,	PUNCT
fsr-3388	153	39	the	the	DET
fsr-3388	153	40	potential	potential	ADJ
fsr-3388	153	41	benefits	benefit	NOUN
fsr-3388	153	42	from	from	ADP
fsr-3388	153	43	fers	fer	NOUN
fsr-3388	153	44	annuity	annuity	NOUN
fsr-3388	153	45	further	far	ADV
fsr-3388	153	46	diminish	diminish	VERB
fsr-3388	153	47	when	when	SCONJ
fsr-3388	153	48	one	one	PRON
fsr-3388	153	49	considers	consider	VERB
fsr-3388	153	50	the	the	DET
fsr-3388	153	51	typical	typical	ADJ
fsr-3388	153	52	age	age	NOUN
fsr-3388	153	53	difference	difference	NOUN
fsr-3388	153	54	between	between	ADP
fsr-3388	153	55	spouses	spouse	NOUN
fsr-3388	153	56	.	.	PUNCT
fsr-3388	154	1	table	table	NOUN
fsr-3388	154	2	2	2	NUM
fsr-3388	154	3	shows	show	VERB
fsr-3388	154	4	census	census	NOUN
fsr-3388	154	5	figures	figure	NOUN
fsr-3388	154	6	for	for	ADP
fsr-3388	154	7	the	the	DET
fsr-3388	154	8	age	age	NOUN
fsr-3388	154	9	differences	difference	NOUN
fsr-3388	154	10	between	between	ADP
fsr-3388	154	11	spouses	spouse	NOUN
fsr-3388	154	12	.	.	PUNCT
fsr-3388	155	1	this	this	DET
fsr-3388	155	2	data	datum	NOUN
fsr-3388	155	3	,	,	PUNCT
fsr-3388	155	4	which	which	PRON
fsr-3388	155	5	applies	apply	VERB
fsr-3388	155	6	to	to	ADP
fsr-3388	155	7	the	the	DET
fsr-3388	155	8	u.s	u.s	PROPN
fsr-3388	155	9	.	.	PROPN
fsr-3388	155	10	population	population	NOUN
fsr-3388	155	11	,	,	PUNCT
fsr-3388	155	12	implies	imply	VERB
fsr-3388	155	13	a	a	DET
fsr-3388	155	14	typical	typical	ADJ
fsr-3388	155	15	age	age	NOUN
fsr-3388	155	16	difference	difference	NOUN
fsr-3388	155	17	just	just	ADV
fsr-3388	155	18	under	under	ADP
fsr-3388	155	19	three	three	NUM
fsr-3388	155	20	years	year	NOUN
fsr-3388	155	21	.	.	PUNCT
fsr-3388	156	1	for	for	ADP
fsr-3388	156	2	an	an	DET
fsr-3388	156	3	average	average	ADJ
fsr-3388	156	4	couple	couple	NOUN
fsr-3388	156	5	,	,	PUNCT
fsr-3388	156	6	the	the	DET
fsr-3388	156	7	male	male	NOUN
fsr-3388	156	8	tends	tend	VERB
fsr-3388	156	9	to	to	PART
fsr-3388	156	10	be	be	AUX
fsr-3388	156	11	almost	almost	ADV
fsr-3388	156	12	three	three	NUM
fsr-3388	156	13	years	year	NOUN
fsr-3388	156	14	older	old	ADJ
fsr-3388	156	15	.	.	PUNCT
fsr-3388	157	1	unsurprisingly	unsurprisingly	ADV
fsr-3388	157	2	,	,	PUNCT
fsr-3388	157	3	this	this	PRON
fsr-3388	157	4	has	have	VERB
fsr-3388	157	5	important	important	ADJ
fsr-3388	157	6	implications	implication	NOUN
fsr-3388	157	7	.	.	PUNCT
fsr-3388	158	1	fig	fig	NOUN
fsr-3388	158	2	.	.	PUNCT
fsr-3388	159	1	6	6	NUM
fsr-3388	159	2	displays	display	VERB
fsr-3388	159	3	how	how	SCONJ
fsr-3388	159	4	the	the	DET
fsr-3388	159	5	cash	cash	NOUN
fsr-3388	159	6	flow	flow	NOUN
fsr-3388	159	7	streams	stream	NOUN
fsr-3388	159	8	change	change	NOUN
fsr-3388	159	9	from	from	ADP
fsr-3388	159	10	fig	fig	NOUN
fsr-3388	159	11	.	.	PUNCT
fsr-3388	160	1	5	5	X
fsr-3388	160	2	.	.	X
fsr-3388	160	3	the	the	DET
fsr-3388	160	4	age	age	NOUN
fsr-3388	160	5	difference	difference	NOUN
fsr-3388	160	6	reduces	reduce	VERB
fsr-3388	160	7	the	the	DET
fsr-3388	160	8	insurance	insurance	NOUN
fsr-3388	160	9	premiums	premium	NOUN
fsr-3388	160	10	paid	pay	VERB
fsr-3388	160	11	because	because	SCONJ
fsr-3388	160	12	these	these	DET
fsr-3388	160	13	payments	payment	NOUN
fsr-3388	160	14	end	end	VERB
fsr-3388	160	15	upon	upon	SCONJ
fsr-3388	160	16	the	the	DET
fsr-3388	160	17	death	death	NOUN
fsr-3388	160	18	of	of	ADP
fsr-3388	160	19	the	the	DET
fsr-3388	160	20	older	old	ADJ
fsr-3388	160	21	male	male	NOUN
fsr-3388	160	22	spouse	spouse	NOUN
fsr-3388	160	23	.	.	PUNCT
fsr-3388	161	1	however	however	ADV
fsr-3388	161	2	,	,	PUNCT
fsr-3388	161	3	the	the	DET
fsr-3388	161	4	biggest	big	ADJ
fsr-3388	161	5	change	change	NOUN
fsr-3388	161	6	is	be	AUX
fsr-3388	161	7	in	in	ADP
fsr-3388	161	8	the	the	DET
fsr-3388	161	9	decline	decline	NOUN
fsr-3388	161	10	in	in	ADP
fsr-3388	161	11	the	the	DET
fsr-3388	161	12	expected	expect	VERB
fsr-3388	161	13	benefit	benefit	NOUN
fsr-3388	161	14	payout	payout	NOUN
fsr-3388	161	15	.	.	PUNCT
fsr-3388	162	1	as	as	ADP
fsr-3388	162	2	a	a	DET
fsr-3388	162	3	result	result	NOUN
fsr-3388	162	4	,	,	PUNCT
fsr-3388	162	5	the	the	DET
fsr-3388	162	6	peak	peak	NOUN
fsr-3388	162	7	payouts	payout	NOUN
fsr-3388	162	8	in	in	ADP
fsr-3388	162	9	fig	fig	NOUN
fsr-3388	162	10	.	.	PUNCT
fsr-3388	163	1	6	6	NUM
fsr-3388	163	2	are	be	AUX
fsr-3388	163	3	substantially	substantially	ADV
fsr-3388	163	4	lower	low	ADJ
fsr-3388	163	5	than	than	ADP
fsr-3388	163	6	in	in	ADP
fsr-3388	163	7	the	the	DET
fsr-3388	163	8	same	same	ADJ
fsr-3388	163	9	-	-	PUNCT
fsr-3388	163	10	age	age	NOUN
fsr-3388	163	11	fig	fig	NOUN
fsr-3388	163	12	.	.	PUNCT
fsr-3388	164	1	5	5	X
fsr-3388	164	2	.	.	X
fsr-3388	164	3	here	here	ADV
fsr-3388	164	4	,	,	PUNCT
fsr-3388	164	5	the	the	DET
fsr-3388	164	6	younger	young	ADJ
fsr-3388	164	7	female	female	ADJ
fsr-3388	164	8	retiree	retiree	NOUN
fsr-3388	164	9	is	be	AUX
fsr-3388	164	10	now	now	ADV
fsr-3388	164	11	expected	expect	VERB
fsr-3388	164	12	to	to	PART
fsr-3388	164	13	outlive	outlive	VERB
fsr-3388	164	14	her	her	PRON
fsr-3388	164	15	spouse	spouse	NOUN
fsr-3388	164	16	approximately	approximately	ADV
fsr-3388	164	17	65.9	65.9	NUM
fsr-3388	164	18	%	%	NOUN
fsr-3388	164	19	of	of	ADP
fsr-3388	164	20	the	the	DET
fsr-3388	164	21	time	time	NOUN
fsr-3388	164	22	.	.	PUNCT
fsr-3388	165	1	for	for	ADP
fsr-3388	165	2	younger	young	ADJ
fsr-3388	165	3	-	-	PUNCT
fsr-3388	165	4	spouse	spouse	NOUN
fsr-3388	165	5	case	case	NOUN
fsr-3388	165	6	3	3	NUM
fsr-3388	165	7	,	,	PUNCT
fsr-3388	165	8	the	the	DET
fsr-3388	165	9	computed	computed	ADJ
fsr-3388	165	10	internal	internal	ADJ
fsr-3388	165	11	rate	rate	NOUN
fsr-3388	165	12	of	of	ADP
fsr-3388	165	13	return	return	NOUN
fsr-3388	165	14	is	be	AUX
fsr-3388	165	15	negative	negative	ADJ
fsr-3388	165	16	(	(	PUNCT
fsr-3388	165	17	�	�	PROPN
fsr-3388	165	18	0.3	0.3	NUM
fsr-3388	165	19	%	%	NOUN
fsr-3388	165	20	)	)	PUNCT
fsr-3388	165	21	.	.	PUNCT
fsr-3388	166	1	absent	absent	ADJ
fsr-3388	166	2	personal	personal	ADJ
fsr-3388	166	3	health	health	NOUN
fsr-3388	166	4	or	or	CCONJ
fsr-3388	166	5	trust	trust	NOUN
fsr-3388	166	6	considerations	consideration	NOUN
fsr-3388	166	7	,	,	PUNCT
fsr-3388	166	8	for	for	ADP
fsr-3388	166	9	a	a	DET
fsr-3388	166	10	62	62	NUM
fsr-3388	166	11	-	-	PUNCT
fsr-3388	166	12	year	year	NOUN
fsr-3388	166	13	-	-	PUNCT
fsr-3388	166	14	old	old	ADJ
fsr-3388	166	15	female	female	ADJ
fsr-3388	166	16	retiree	retiree	NOUN
fsr-3388	166	17	,	,	PUNCT
fsr-3388	166	18	the	the	DET
fsr-3388	166	19	typical	typical	ADJ
fsr-3388	166	20	three	three	NUM
fsr-3388	166	21	-	-	PUNCT
fsr-3388	166	22	year	year	NOUN
fsr-3388	166	23	difference	difference	NOUN
fsr-3388	166	24	appears	appear	VERB
fsr-3388	166	25	to	to	PART
fsr-3388	166	26	define	define	VERB
fsr-3388	166	27	an	an	DET
fsr-3388	166	28	important	important	ADJ
fsr-3388	166	29	breakpoint	breakpoint	NOUN
fsr-3388	166	30	in	in	ADP
fsr-3388	166	31	terms	term	NOUN
fsr-3388	166	32	of	of	ADP
fsr-3388	166	33	whether	whether	SCONJ
fsr-3388	166	34	female	female	ADJ
fsr-3388	166	35	retirees	retiree	NOUN
fsr-3388	166	36	should	should	AUX
fsr-3388	166	37	opt	opt	VERB
fsr-3388	166	38	for	for	ADP
fsr-3388	166	39	fers	fer	NOUN
fsr-3388	166	40	annuity	annuity	NOUN
fsr-3388	166	41	insurance	insurance	NOUN
fsr-3388	166	42	.	.	PUNCT
fsr-3388	167	1	table	table	NOUN
fsr-3388	167	2	3	3	NUM
fsr-3388	167	3	summarizes	summarize	NOUN
fsr-3388	167	4	each	each	PRON
fsr-3388	167	5	of	of	ADP
fsr-3388	167	6	the	the	DET
fsr-3388	167	7	three	three	NUM
fsr-3388	167	8	cases	case	NOUN
fsr-3388	167	9	examined	examine	VERB
fsr-3388	167	10	here	here	ADV
fsr-3388	167	11	in	in	ADP
fsr-3388	167	12	detail	detail	NOUN
fsr-3388	167	13	.	.	PUNCT
fsr-3388	168	1	extra	extra	ADJ
fsr-3388	168	2	cases	case	NOUN
fsr-3388	168	3	provide	provide	VERB
fsr-3388	168	4	additional	additional	ADJ
fsr-3388	168	5	insight	insight	NOUN
fsr-3388	168	6	.	.	PUNCT
fsr-3388	169	1	to	to	PART
fsr-3388	169	2	better	well	ADV
fsr-3388	169	3	illustrate	illustrate	VERB
fsr-3388	169	4	the	the	DET
fsr-3388	169	5	relationship	relationship	NOUN
fsr-3388	169	6	of	of	ADP
fsr-3388	169	7	spousal	spousal	ADJ
fsr-3388	169	8	ages	age	NOUN
fsr-3388	169	9	and	and	CCONJ
fsr-3388	169	10	genders	gender	NOUN
fsr-3388	169	11	on	on	ADP
fsr-3388	169	12	the	the	DET
fsr-3388	169	13	implied	imply	VERB
fsr-3388	169	14	discount	discount	NOUN
fsr-3388	169	15	rate	rate	NOUN
fsr-3388	169	16	,	,	PUNCT
fsr-3388	169	17	we	we	PRON
fsr-3388	169	18	graph	graph	VERB
fsr-3388	169	19	six	six	NUM
fsr-3388	169	20	cases	case	NOUN
fsr-3388	169	21	in	in	ADP
fsr-3388	169	22	fig	fig	NOUN
fsr-3388	169	23	.	.	PUNCT
fsr-3388	170	1	7	7	X
fsr-3388	170	2	.	.	X
fsr-3388	170	3	fig	fig	NOUN
fsr-3388	170	4	.	.	PUNCT
fsr-3388	171	1	7	7	NUM
fsr-3388	171	2	shows	show	NOUN
fsr-3388	171	3	,	,	PUNCT
fsr-3388	171	4	as	as	SCONJ
fsr-3388	171	5	expected	expect	VERB
fsr-3388	171	6	,	,	PUNCT
fsr-3388	171	7	the	the	PRON
fsr-3388	171	8	younger	young	ADJ
fsr-3388	171	9	the	the	DET
fsr-3388	171	10	spouse	spouse	NOUN
fsr-3388	171	11	,	,	PUNCT
fsr-3388	171	12	the	the	PRON
fsr-3388	171	13	higher	high	ADJ
fsr-3388	171	14	the	the	DET
fsr-3388	171	15	implied	imply	VERB
fsr-3388	171	16	return	return	NOUN
fsr-3388	171	17	for	for	ADP
fsr-3388	171	18	a	a	DET
fsr-3388	171	19	62	62	NUM
fsr-3388	171	20	-	-	PUNCT
fsr-3388	171	21	year	year	NOUN
fsr-3388	171	22	-	-	PUNCT
fsr-3388	171	23	old	old	ADJ
fsr-3388	171	24	fers	fer	NOUN
fsr-3388	171	25	retiree	retiree	NOUN
fsr-3388	171	26	.	.	PUNCT
fsr-3388	172	1	this	this	PRON
fsr-3388	172	2	is	be	AUX
fsr-3388	172	3	true	true	ADJ
fsr-3388	172	4	for	for	ADP
fsr-3388	172	5	both	both	CCONJ
fsr-3388	172	6	male	male	ADJ
fsr-3388	172	7	and	and	CCONJ
fsr-3388	172	8	female	female	ADJ
fsr-3388	172	9	workers	worker	NOUN
fsr-3388	172	10	.	.	PUNCT
fsr-3388	173	1	cases	case	NOUN
fsr-3388	173	2	4–7	4–7	NOUN
fsr-3388	173	3	of	of	ADP
fsr-3388	173	4	table	table	NOUN
fsr-3388	173	5	3	3	NUM
fsr-3388	173	6	show	show	VERB
fsr-3388	173	7	that	that	SCONJ
fsr-3388	173	8	the	the	DET
fsr-3388	173	9	implied	imply	VERB
fsr-3388	173	10	discount	discount	NOUN
fsr-3388	173	11	rate	rate	NOUN
fsr-3388	173	12	increases	increase	NOUN
fsr-3388	173	13	for	for	ADP
fsr-3388	173	14	same	same	ADJ
fsr-3388	173	15	-	-	PUNCT
fsr-3388	173	16	age	age	NOUN
fsr-3388	173	17	couples	couple	NOUN
fsr-3388	173	18	older	old	ADJ
fsr-3388	173	19	than	than	ADP
fsr-3388	173	20	the	the	DET
fsr-3388	173	21	62	62	NUM
fsr-3388	173	22	years	year	NOUN
fsr-3388	173	23	used	use	VERB
fsr-3388	173	24	in	in	ADP
fsr-3388	173	25	case	case	NOUN
fsr-3388	173	26	1	1	NUM
fsr-3388	173	27	.	.	PUNCT
fsr-3388	173	28	again	again	ADV
fsr-3388	173	29	,	,	PUNCT
fsr-3388	173	30	this	this	PRON
fsr-3388	173	31	is	be	AUX
fsr-3388	173	32	as	as	SCONJ
fsr-3388	173	33	expected	expect	VERB
fsr-3388	173	34	.	.	PUNCT
fsr-3388	174	1	the	the	DET
fsr-3388	174	2	results	result	NOUN
fsr-3388	174	3	here	here	ADV
fsr-3388	174	4	contrast	contrast	VERB
fsr-3388	174	5	with	with	ADP
fsr-3388	174	6	the	the	DET
fsr-3388	174	7	findings	finding	NOUN
fsr-3388	174	8	of	of	ADP
fsr-3388	174	9	davis	davis	PROPN
fsr-3388	174	10	and	and	CCONJ
fsr-3388	174	11	fraser	fraser	PROPN
fsr-3388	174	12	(	(	PUNCT
fsr-3388	174	13	2012	2012	NUM
fsr-3388	174	14	)	)	PUNCT
fsr-3388	174	15	.	.	PUNCT
fsr-3388	175	1	in	in	ADP
fsr-3388	175	2	their	their	PRON
fsr-3388	175	3	analysis	analysis	NOUN
fsr-3388	175	4	of	of	ADP
fsr-3388	175	5	the	the	DET
fsr-3388	175	6	military	military	ADJ
fsr-3388	175	7	survivor	survivor	NOUN
fsr-3388	175	8	benefit	benefit	NOUN
fsr-3388	175	9	,	,	PUNCT
fsr-3388	175	10	the	the	DET
fsr-3388	175	11	computed	compute	VERB
fsr-3388	175	12	returns	return	NOUN
fsr-3388	175	13	were	be	AUX
fsr-3388	175	14	all	all	ADV
fsr-3388	175	15	positive	positive	ADJ
fsr-3388	175	16	.	.	PUNCT
fsr-3388	176	1	the	the	DET
fsr-3388	176	2	primary	primary	ADJ
fsr-3388	176	3	driver	driver	NOUN
fsr-3388	176	4	for	for	ADP
fsr-3388	176	5	fig	fig	NOUN
fsr-3388	176	6	.	.	PUNCT
fsr-3388	177	1	6	6	X
fsr-3388	177	2	.	.	X
fsr-3388	177	3	timing	timing	NOUN
fsr-3388	177	4	and	and	CCONJ
fsr-3388	177	5	amounts	amount	NOUN
fsr-3388	177	6	of	of	ADP
fsr-3388	177	7	federal	federal	ADJ
fsr-3388	177	8	employees	employee	NOUN
fsr-3388	177	9	retirement	retirement	NOUN
fsr-3388	177	10	system	system	NOUN
fsr-3388	177	11	(	(	PUNCT
fsr-3388	177	12	fers	fer	NOUN
fsr-3388	177	13	)	)	PUNCT
fsr-3388	177	14	insurance	insurance	NOUN
fsr-3388	177	15	costs	cost	NOUN
fsr-3388	177	16	and	and	CCONJ
fsr-3388	177	17	benefits	benefit	NOUN
fsr-3388	177	18	(	(	PUNCT
fsr-3388	177	19	62	62	NUM
fsr-3388	177	20	-	-	PUNCT
fsr-3388	177	21	year	year	NOUN
fsr-3388	177	22	-	-	PUNCT
fsr-3388	177	23	old	old	ADJ
fsr-3388	177	24	female	female	ADJ
fsr-3388	177	25	retiree	retiree	NOUN
fsr-3388	177	26	;	;	PUNCT
fsr-3388	177	27	65	65	NUM
fsr-3388	177	28	year	year	NOUN
fsr-3388	177	29	-	-	PUNCT
fsr-3388	177	30	old	old	ADJ
fsr-3388	177	31	-	-	PUNCT
fsr-3388	177	32	male	male	NOUN
fsr-3388	177	33	spouse	spouse	NOUN
fsr-3388	177	34	)	)	PUNCT
fsr-3388	177	35	.	.	PUNCT
fsr-3388	178	1	142	142	NUM
fsr-3388	178	2	k.	k.	PROPN
fsr-3388	178	3	davis	davis	PROPN
fsr-3388	178	4	et	et	PROPN
fsr-3388	178	5	al	al	PROPN
fsr-3388	178	6	.	.	PUNCT
fsr-3388	178	7	/	/	SYM
fsr-3388	178	8	financial	financial	ADJ
fsr-3388	178	9	services	service	NOUN
fsr-3388	178	10	review	review	VERB
fsr-3388	178	11	27	27	NUM
fsr-3388	178	12	(	(	PUNCT
fsr-3388	178	13	2018	2018	NUM
fsr-3388	178	14	)	)	PUNCT
fsr-3388	178	15	133	133	NUM
fsr-3388	178	16	-	-	SYM
fsr-3388	178	17	146	146	NUM
fsr-3388	178	18	the	the	DET
fsr-3388	178	19	difference	difference	NOUN
fsr-3388	178	20	in	in	ADP
fsr-3388	178	21	the	the	DET
fsr-3388	178	22	results	result	NOUN
fsr-3388	178	23	is	be	AUX
fsr-3388	178	24	the	the	DET
fsr-3388	178	25	nature	nature	NOUN
fsr-3388	178	26	of	of	ADP
fsr-3388	178	27	the	the	DET
fsr-3388	178	28	specific	specific	ADJ
fsr-3388	178	29	retirement	retirement	NOUN
fsr-3388	178	30	programs	program	NOUN
fsr-3388	178	31	,	,	PUNCT
fsr-3388	178	32	both	both	CCONJ
fsr-3388	178	33	in	in	ADP
fsr-3388	178	34	the	the	DET
fsr-3388	178	35	timing	timing	NOUN
fsr-3388	178	36	and	and	CCONJ
fsr-3388	178	37	magnitude	magnitude	NOUN
fsr-3388	178	38	of	of	ADP
fsr-3388	178	39	cash	cash	NOUN
fsr-3388	178	40	flows	flow	NOUN
fsr-3388	178	41	.	.	PUNCT
fsr-3388	179	1	military	military	ADJ
fsr-3388	179	2	personnel	personnel	NOUN
fsr-3388	179	3	can	can	AUX
fsr-3388	179	4	retire	retire	VERB
fsr-3388	179	5	and	and	CCONJ
fsr-3388	179	6	start	start	VERB
fsr-3388	179	7	receiving	receive	VERB
fsr-3388	179	8	an	an	DET
fsr-3388	179	9	immediate	immediate	ADJ
fsr-3388	179	10	benefit	benefit	NOUN
fsr-3388	179	11	after	after	ADP
fsr-3388	179	12	20	20	NUM
fsr-3388	179	13	years	year	NOUN
fsr-3388	179	14	of	of	ADP
fsr-3388	179	15	service	service	NOUN
fsr-3388	179	16	,	,	PUNCT
fsr-3388	179	17	even	even	ADV
fsr-3388	179	18	if	if	SCONJ
fsr-3388	179	19	younger	young	ADJ
fsr-3388	179	20	than	than	ADP
fsr-3388	179	21	40	40	NUM
fsr-3388	179	22	.	.	PUNCT
fsr-3388	180	1	this	this	PRON
fsr-3388	180	2	contrasts	contrast	VERB
fsr-3388	180	3	with	with	ADP
fsr-3388	180	4	the	the	DET
fsr-3388	180	5	base	base	NOUN
fsr-3388	180	6	case	case	NOUN
fsr-3388	180	7	here	here	ADV
fsr-3388	180	8	of	of	ADP
fsr-3388	180	9	a	a	DET
fsr-3388	180	10	62	62	NUM
fsr-3388	180	11	-	-	PUNCT
fsr-3388	180	12	year	year	NOUN
fsr-3388	180	13	old	old	ADJ
fsr-3388	180	14	fers	fer	NOUN
fsr-3388	180	15	retiree	retiree	NOUN
fsr-3388	180	16	.	.	PUNCT
fsr-3388	181	1	additionally	additionally	ADV
fsr-3388	181	2	,	,	PUNCT
fsr-3388	181	3	military	military	ADJ
fsr-3388	181	4	retirees	retiree	NOUN
fsr-3388	181	5	pay	pay	VERB
fsr-3388	181	6	a	a	DET
fsr-3388	181	7	6	6	NUM
fsr-3388	181	8	%	%	NOUN
fsr-3388	181	9	premium	premium	NOUN
fsr-3388	181	10	to	to	PART
fsr-3388	181	11	receive	receive	VERB
fsr-3388	181	12	55	55	NUM
fsr-3388	181	13	%	%	NOUN
fsr-3388	181	14	of	of	ADP
fsr-3388	181	15	the	the	DET
fsr-3388	181	16	retirement	retirement	NOUN
fsr-3388	181	17	benefit	benefit	NOUN
fsr-3388	181	18	,	,	PUNCT
fsr-3388	181	19	which	which	PRON
fsr-3388	181	20	is	be	AUX
fsr-3388	181	21	both	both	CCONJ
fsr-3388	181	22	cheaper	cheap	ADJ
fsr-3388	181	23	and	and	CCONJ
fsr-3388	181	24	more	more	ADV
fsr-3388	181	25	generous	generous	ADJ
fsr-3388	181	26	.	.	PUNCT
fsr-3388	182	1	5	5	X
fsr-3388	182	2	.	.	X
fsr-3388	182	3	implications	implication	NOUN
fsr-3388	182	4	for	for	ADP
fsr-3388	182	5	retirees	retiree	NOUN
fsr-3388	182	6	and	and	CCONJ
fsr-3388	182	7	planners	planner	NOUN
fsr-3388	182	8	our	our	PRON
fsr-3388	182	9	study	study	NOUN
fsr-3388	182	10	has	have	VERB
fsr-3388	182	11	important	important	ADJ
fsr-3388	182	12	implications	implication	NOUN
fsr-3388	182	13	for	for	ADP
fsr-3388	182	14	retirees	retiree	NOUN
fsr-3388	182	15	and	and	CCONJ
fsr-3388	182	16	financial	financial	ADJ
fsr-3388	182	17	planners	planner	NOUN
fsr-3388	182	18	.	.	PUNCT
fsr-3388	183	1	our	our	PRON
fsr-3388	183	2	numeric	numeric	ADJ
fsr-3388	183	3	and	and	CCONJ
fsr-3388	183	4	graphical	graphical	ADJ
fsr-3388	183	5	representations	representation	NOUN
fsr-3388	183	6	help	help	NOUN
fsr-3388	183	7	frame	frame	VERB
fsr-3388	183	8	the	the	DET
fsr-3388	183	9	fers	fer	NOUN
fsr-3388	183	10	annuity	annuity	NOUN
fsr-3388	183	11	insurance	insurance	NOUN
fsr-3388	183	12	decision	decision	NOUN
fsr-3388	183	13	.	.	PUNCT
fsr-3388	184	1	our	our	PRON
fsr-3388	184	2	finding	finding	NOUN
fsr-3388	184	3	of	of	ADP
fsr-3388	184	4	gender	gender	NOUN
fsr-3388	184	5	differentials	differential	NOUN
fsr-3388	184	6	is	be	AUX
fsr-3388	184	7	striking	strike	VERB
fsr-3388	184	8	;	;	PUNCT
fsr-3388	184	9	while	while	SCONJ
fsr-3388	184	10	the	the	DET
fsr-3388	184	11	survivor	survivor	NOUN
fsr-3388	184	12	benefit	benefit	NOUN
fsr-3388	184	13	is	be	AUX
fsr-3388	184	14	lucrative	lucrative	ADJ
fsr-3388	184	15	for	for	ADP
fsr-3388	184	16	couples	couple	NOUN
fsr-3388	184	17	with	with	ADP
fsr-3388	184	18	a	a	DET
fsr-3388	184	19	male	male	ADJ
fsr-3388	184	20	fers	fer	NOUN
fsr-3388	184	21	retiree	retiree	NOUN
fsr-3388	184	22	,	,	PUNCT
fsr-3388	184	23	it	it	PRON
fsr-3388	184	24	is	be	AUX
fsr-3388	184	25	meaningfully	meaningfully	ADV
fsr-3388	184	26	less	less	ADV
fsr-3388	184	27	rewarding	rewarding	ADJ
fsr-3388	184	28	(	(	PUNCT
fsr-3388	184	29	perhaps	perhaps	ADV
fsr-3388	184	30	even	even	ADV
fsr-3388	184	31	wealth	wealth	NOUN
fsr-3388	184	32	destroying	destroy	VERB
fsr-3388	184	33	)	)	PUNCT
fsr-3388	184	34	for	for	ADP
fsr-3388	184	35	couples	couple	NOUN
fsr-3388	184	36	with	with	ADP
fsr-3388	184	37	a	a	DET
fsr-3388	184	38	female	female	ADJ
fsr-3388	184	39	retiree	retiree	NOUN
fsr-3388	184	40	.	.	PUNCT
fsr-3388	185	1	if	if	SCONJ
fsr-3388	185	2	couples	couple	NOUN
fsr-3388	185	3	elect	elect	VERB
fsr-3388	185	4	or	or	CCONJ
fsr-3388	185	5	reject	reject	VERB
fsr-3388	185	6	the	the	DET
fsr-3388	185	7	survivor	survivor	NOUN
fsr-3388	185	8	benefit	benefit	NOUN
fsr-3388	185	9	based	base	VERB
fsr-3388	185	10	on	on	ADP
fsr-3388	185	11	some	some	DET
fsr-3388	185	12	threshold	threshold	NOUN
fsr-3388	185	13	return	return	NOUN
fsr-3388	185	14	level	level	NOUN
fsr-3388	185	15	,	,	PUNCT
fsr-3388	185	16	our	our	PRON
fsr-3388	185	17	analysis	analysis	NOUN
fsr-3388	185	18	has	have	VERB
fsr-3388	185	19	financial	financial	ADJ
fsr-3388	185	20	planning	planning	NOUN
fsr-3388	185	21	implications	implication	NOUN
fsr-3388	185	22	.	.	PUNCT
fsr-3388	186	1	the	the	DET
fsr-3388	186	2	fers	fer	NOUN
fsr-3388	186	3	survivor	survivor	NOUN
fsr-3388	186	4	annuity	annuity	NOUN
fsr-3388	186	5	decision	decision	NOUN
fsr-3388	186	6	also	also	ADV
fsr-3388	186	7	has	have	VERB
fsr-3388	186	8	portfolio	portfolio	NOUN
fsr-3388	186	9	ramifications	ramification	NOUN
fsr-3388	186	10	.	.	PUNCT
fsr-3388	187	1	for	for	ADP
fsr-3388	187	2	example	example	NOUN
fsr-3388	187	3	,	,	PUNCT
fsr-3388	187	4	the	the	DET
fsr-3388	187	5	decision	decision	NOUN
fsr-3388	187	6	to	to	PART
fsr-3388	187	7	take	take	VERB
fsr-3388	187	8	survivor	survivor	NOUN
fsr-3388	187	9	benefits	benefit	NOUN
fsr-3388	187	10	directly	directly	ADV
fsr-3388	187	11	impacts	impact	VERB
fsr-3388	187	12	retiree	retiree	NOUN
fsr-3388	187	13	insurance	insurance	NOUN
fsr-3388	187	14	and	and	CCONJ
fsr-3388	187	15	asset	asset	NOUN
fsr-3388	187	16	allocation	allocation	NOUN
fsr-3388	187	17	decisions	decision	NOUN
fsr-3388	187	18	.	.	PUNCT
fsr-3388	188	1	finally	finally	ADV
fsr-3388	188	2	,	,	PUNCT
fsr-3388	188	3	our	our	PRON
fsr-3388	188	4	results	result	NOUN
fsr-3388	188	5	have	have	VERB
fsr-3388	188	6	economic	economic	ADJ
fsr-3388	188	7	significance	significance	NOUN
fsr-3388	188	8	.	.	PUNCT
fsr-3388	189	1	the	the	DET
fsr-3388	189	2	congressional	congressional	ADJ
fsr-3388	189	3	budget	budget	NOUN
fsr-3388	189	4	office	office	NOUN
fsr-3388	189	5	estimates	estimate	NOUN
fsr-3388	189	6	there	there	PRON
fsr-3388	189	7	will	will	AUX
fsr-3388	189	8	be	be	AUX
fsr-3388	189	9	more	more	ADJ
fsr-3388	189	10	than	than	ADP
fsr-3388	189	11	1	1	NUM
fsr-3388	189	12	million	million	NUM
fsr-3388	189	13	fers	fer	NOUN
fsr-3388	189	14	retirees	retiree	NOUN
fsr-3388	189	15	by	by	ADP
fsr-3388	189	16	2022	2022	NUM
fsr-3388	189	17	,	,	PUNCT
fsr-3388	189	18	paying	pay	VERB
fsr-3388	189	19	approximately	approximately	ADV
fsr-3388	189	20	$	$	SYM
fsr-3388	189	21	2	2	NUM
fsr-3388	189	22	billion	billion	NUM
fsr-3388	189	23	a	a	DET
fsr-3388	189	24	year	year	NOUN
fsr-3388	189	25	for	for	ADP
fsr-3388	189	26	fers	fer	NOUN
fsr-3388	189	27	annuity	annuity	NOUN
fsr-3388	189	28	insurance	insurance	NOUN
fsr-3388	189	29	(	(	PUNCT
fsr-3388	189	30	cbo	cbo	PROPN
fsr-3388	189	31	,	,	PUNCT
fsr-3388	189	32	2012	2012	NUM
fsr-3388	189	33	)	)	PUNCT
fsr-3388	189	34	.	.	PUNCT
fsr-3388	190	1	the	the	DET
fsr-3388	190	2	analysis	analysis	NOUN
fsr-3388	190	3	presented	present	VERB
fsr-3388	190	4	here	here	ADV
fsr-3388	190	5	can	can	AUX
fsr-3388	190	6	aid	aid	VERB
fsr-3388	190	7	planners	planner	NOUN
fsr-3388	190	8	who	who	PRON
fsr-3388	190	9	must	must	AUX
fsr-3388	190	10	consider	consider	VERB
fsr-3388	190	11	the	the	DET
fsr-3388	190	12	myriad	myriad	NOUN
fsr-3388	190	13	of	of	ADP
fsr-3388	190	14	payout	payout	ADJ
fsr-3388	190	15	options	option	NOUN
fsr-3388	190	16	associated	associate	VERB
fsr-3388	190	17	with	with	ADP
fsr-3388	190	18	defined	define	VERB
fsr-3388	190	19	-	-	PUNCT
fsr-3388	190	20	benefit	benefit	NOUN
fsr-3388	190	21	plans	plan	NOUN
fsr-3388	190	22	.	.	PUNCT
fsr-3388	191	1	however	however	ADV
fsr-3388	191	2	,	,	PUNCT
fsr-3388	191	3	our	our	PRON
fsr-3388	191	4	results	result	NOUN
fsr-3388	191	5	are	be	AUX
fsr-3388	191	6	a	a	DET
fsr-3388	191	7	starting	starting	NOUN
fsr-3388	191	8	point	point	NOUN
fsr-3388	191	9	.	.	PUNCT
fsr-3388	192	1	while	while	SCONJ
fsr-3388	192	2	homo	homo	PROPN
fsr-3388	192	3	economicus	economicus	PROPN
fsr-3388	192	4	might	might	AUX
fsr-3388	192	5	rationally	rationally	ADV
fsr-3388	192	6	reject	reject	VERB
fsr-3388	192	7	negative	negative	ADJ
fsr-3388	192	8	rates	rate	NOUN
fsr-3388	192	9	of	of	ADP
fsr-3388	192	10	return	return	NOUN
fsr-3388	192	11	or	or	CCONJ
fsr-3388	192	12	rates	rate	NOUN
fsr-3388	192	13	below	below	ADP
fsr-3388	192	14	a	a	DET
fsr-3388	192	15	market	market	NOUN
fsr-3388	192	16	-	-	PUNCT
fsr-3388	192	17	based	base	VERB
fsr-3388	192	18	threshold	threshold	NOUN
fsr-3388	192	19	,	,	PUNCT
fsr-3388	192	20	fers	fer	NOUN
fsr-3388	192	21	retirees	retiree	NOUN
fsr-3388	192	22	who	who	PRON
fsr-3388	192	23	are	be	AUX
fsr-3388	192	24	more	more	ADJ
fsr-3388	192	25	risk	risk	NOUN
fsr-3388	192	26	averse	averse	ADJ
fsr-3388	192	27	might	might	AUX
fsr-3388	192	28	accept	accept	VERB
fsr-3388	192	29	a	a	DET
fsr-3388	192	30	lower	low	ADJ
fsr-3388	192	31	internal	internal	ADJ
fsr-3388	192	32	rate	rate	NOUN
fsr-3388	192	33	of	of	ADP
fsr-3388	192	34	return	return	NOUN
fsr-3388	192	35	to	to	PART
fsr-3388	192	36	avoid	avoid	VERB
fsr-3388	192	37	worst	bad	ADJ
fsr-3388	192	38	case	case	NOUN
fsr-3388	192	39	scenarios	scenario	NOUN
fsr-3388	192	40	.	.	PUNCT
fsr-3388	193	1	prospect	prospect	NOUN
fsr-3388	193	2	theory	theory	NOUN
fsr-3388	193	3	(	(	PUNCT
fsr-3388	193	4	kahneman	kahneman	NOUN
fsr-3388	193	5	and	and	CCONJ
fsr-3388	193	6	tversky	tversky	ADJ
fsr-3388	193	7	,	,	PUNCT
fsr-3388	193	8	1979	1979	NUM
fsr-3388	193	9	)	)	PUNCT
fsr-3388	193	10	tells	tell	VERB
fsr-3388	193	11	us	we	PRON
fsr-3388	193	12	this	this	PRON
fsr-3388	193	13	is	be	AUX
fsr-3388	193	14	not	not	PART
fsr-3388	193	15	an	an	DET
fsr-3388	193	16	unusual	unusual	ADJ
fsr-3388	193	17	reaction	reaction	NOUN
fsr-3388	193	18	.	.	PUNCT
fsr-3388	194	1	we	we	PRON
fsr-3388	194	2	also	also	ADV
fsr-3388	194	3	know	know	VERB
fsr-3388	194	4	that	that	SCONJ
fsr-3388	194	5	the	the	DET
fsr-3388	194	6	elderly	elderly	ADJ
fsr-3388	194	7	have	have	VERB
fsr-3388	194	8	high	high	ADJ
fsr-3388	194	9	discount	discount	NOUN
fsr-3388	194	10	rates	rate	NOUN
fsr-3388	194	11	(	(	PUNCT
fsr-3388	194	12	see	see	VERB
fsr-3388	194	13	huffman	huffman	PROPN
fsr-3388	194	14	,	,	PUNCT
fsr-3388	194	15	mauer	mauer	PROPN
fsr-3388	194	16	,	,	PUNCT
fsr-3388	194	17	and	and	CCONJ
fsr-3388	194	18	mitchell	mitchell	PROPN
fsr-3388	194	19	,	,	PUNCT
fsr-3388	194	20	2016	2016	NUM
fsr-3388	194	21	)	)	PUNCT
fsr-3388	194	22	.	.	PUNCT
fsr-3388	195	1	further	far	ADV
fsr-3388	195	2	,	,	PUNCT
fsr-3388	195	3	some	some	DET
fsr-3388	195	4	fers	fer	NOUN
fsr-3388	195	5	retirees	retiree	NOUN
fsr-3388	195	6	have	have	VERB
fsr-3388	195	7	marital	marital	ADJ
fsr-3388	195	8	dynamics	dynamic	NOUN
fsr-3388	195	9	that	that	PRON
fsr-3388	195	10	prevent	prevent	VERB
fsr-3388	195	11	opting	opt	VERB
fsr-3388	195	12	out	out	ADP
fsr-3388	195	13	(	(	PUNCT
fsr-3388	195	14	that	that	PRON
fsr-3388	195	15	might	might	AUX
fsr-3388	195	16	be	be	AUX
fsr-3388	195	17	viewed	view	VERB
fsr-3388	195	18	as	as	ADP
fsr-3388	195	19	a	a	DET
fsr-3388	195	20	specific	specific	ADJ
fsr-3388	195	21	spousal	spousal	NOUN
fsr-3388	195	22	form	form	NOUN
fsr-3388	195	23	of	of	ADP
fsr-3388	195	24	risk	risk	NOUN
fsr-3388	195	25	aversion	aversion	NOUN
fsr-3388	195	26	)	)	PUNCT
fsr-3388	195	27	.	.	PUNCT
fsr-3388	196	1	fig	fig	NOUN
fsr-3388	196	2	.	.	PUNCT
fsr-3388	197	1	7	7	X
fsr-3388	197	2	.	.	X
fsr-3388	197	3	sensitivity	sensitivity	NOUN
fsr-3388	197	4	of	of	ADP
fsr-3388	197	5	implied	imply	VERB
fsr-3388	197	6	discount	discount	NOUN
fsr-3388	197	7	rate	rate	NOUN
fsr-3388	197	8	by	by	ADP
fsr-3388	197	9	gender	gender	NOUN
fsr-3388	197	10	and	and	CCONJ
fsr-3388	197	11	age	age	NOUN
fsr-3388	197	12	of	of	ADP
fsr-3388	197	13	spouse	spouse	NOUN
fsr-3388	197	14	(	(	PUNCT
fsr-3388	197	15	62	62	NUM
fsr-3388	197	16	-	-	PUNCT
fsr-3388	197	17	year	year	NOUN
fsr-3388	197	18	-	-	PUNCT
fsr-3388	197	19	old	old	ADJ
fsr-3388	197	20	retiree	retiree	NOUN
fsr-3388	197	21	)	)	PUNCT
fsr-3388	197	22	.	.	PUNCT
fsr-3388	198	1	143k	143k	PROPN
fsr-3388	198	2	.	.	PUNCT
fsr-3388	199	1	davis	davis	PROPN
fsr-3388	199	2	et	et	PROPN
fsr-3388	199	3	al	al	PROPN
fsr-3388	199	4	.	.	PUNCT
fsr-3388	199	5	/	/	SYM
fsr-3388	199	6	financial	financial	ADJ
fsr-3388	199	7	services	service	NOUN
fsr-3388	199	8	review	review	VERB
fsr-3388	199	9	27	27	NUM
fsr-3388	199	10	(	(	PUNCT
fsr-3388	199	11	2018	2018	NUM
fsr-3388	199	12	)	)	PUNCT
fsr-3388	199	13	133	133	NUM
fsr-3388	199	14	-	-	SYM
fsr-3388	199	15	146	146	NUM
fsr-3388	199	16	personal	personal	ADJ
fsr-3388	199	17	considerations	consideration	NOUN
fsr-3388	199	18	are	be	AUX
fsr-3388	199	19	critical	critical	ADJ
fsr-3388	199	20	in	in	ADP
fsr-3388	199	21	any	any	DET
fsr-3388	199	22	retirement	retirement	NOUN
fsr-3388	199	23	decision	decision	NOUN
fsr-3388	199	24	.	.	PUNCT
fsr-3388	200	1	significant	significant	ADJ
fsr-3388	200	2	medical	medical	ADJ
fsr-3388	200	3	conditions	condition	NOUN
fsr-3388	200	4	can	can	AUX
fsr-3388	200	5	trump	trump	VERB
fsr-3388	200	6	the	the	DET
fsr-3388	200	7	general	general	ADJ
fsr-3388	200	8	results	result	NOUN
fsr-3388	200	9	demonstrated	demonstrate	VERB
fsr-3388	200	10	here	here	ADV
fsr-3388	200	11	.	.	PUNCT
fsr-3388	201	1	furthermore	furthermore	ADV
fsr-3388	201	2	,	,	PUNCT
fsr-3388	201	3	in	in	ADP
fsr-3388	201	4	rare	rare	ADJ
fsr-3388	201	5	cases	case	NOUN
fsr-3388	201	6	where	where	SCONJ
fsr-3388	201	7	the	the	DET
fsr-3388	201	8	retiree	retiree	NOUN
fsr-3388	201	9	has	have	VERB
fsr-3388	201	10	very	very	ADV
fsr-3388	201	11	young	young	ADJ
fsr-3388	201	12	or	or	CCONJ
fsr-3388	201	13	disabled	disabled	ADJ
fsr-3388	201	14	children	child	NOUN
fsr-3388	201	15	,	,	PUNCT
fsr-3388	201	16	a	a	DET
fsr-3388	201	17	special	special	ADJ
fsr-3388	201	18	program	program	NOUN
fsr-3388	201	19	covering	cover	VERB
fsr-3388	201	20	such	such	ADJ
fsr-3388	201	21	insurable	insurable	ADJ
fsr-3388	201	22	interests	interest	NOUN
fsr-3388	201	23	could	could	AUX
fsr-3388	201	24	change	change	VERB
fsr-3388	201	25	the	the	DET
fsr-3388	201	26	general	general	ADJ
fsr-3388	201	27	situation	situation	NOUN
fsr-3388	201	28	described	describe	VERB
fsr-3388	201	29	here	here	ADV
fsr-3388	201	30	.	.	PUNCT
fsr-3388	202	1	additional	additional	ADJ
fsr-3388	202	2	research	research	NOUN
fsr-3388	202	3	is	be	AUX
fsr-3388	202	4	needed	need	VERB
fsr-3388	202	5	to	to	PART
fsr-3388	202	6	construct	construct	VERB
fsr-3388	202	7	scenarios	scenario	NOUN
fsr-3388	202	8	that	that	PRON
fsr-3388	202	9	address	address	VERB
fsr-3388	202	10	subsegments	subsegment	NOUN
fsr-3388	202	11	of	of	ADP
fsr-3388	202	12	the	the	DET
fsr-3388	202	13	married	married	ADJ
fsr-3388	202	14	population	population	NOUN
fsr-3388	202	15	.	.	PUNCT
fsr-3388	203	1	for	for	ADP
fsr-3388	203	2	example	example	NOUN
fsr-3388	203	3	,	,	PUNCT
fsr-3388	203	4	in	in	ADP
fsr-3388	203	5	using	use	VERB
fsr-3388	203	6	social	social	ADJ
fsr-3388	203	7	security	security	NOUN
fsr-3388	203	8	tables	table	NOUN
fsr-3388	203	9	,	,	PUNCT
fsr-3388	203	10	there	there	PRON
fsr-3388	203	11	is	be	VERB
fsr-3388	203	12	an	an	DET
fsr-3388	203	13	assumption	assumption	NOUN
fsr-3388	203	14	that	that	SCONJ
fsr-3388	203	15	deaths	death	NOUN
fsr-3388	203	16	are	be	AUX
fsr-3388	203	17	independent	independent	ADJ
fsr-3388	203	18	.	.	PUNCT
fsr-3388	204	1	however	however	ADV
fsr-3388	204	2	,	,	PUNCT
fsr-3388	204	3	research	research	NOUN
fsr-3388	204	4	suggests	suggest	VERB
fsr-3388	204	5	that	that	SCONJ
fsr-3388	204	6	spouses	spouse	NOUN
fsr-3388	204	7	influence	influence	VERB
fsr-3388	204	8	each	each	DET
fsr-3388	204	9	other	other	ADJ
fsr-3388	204	10	’s	’s	PART
fsr-3388	204	11	longevity	longevity	NOUN
fsr-3388	204	12	.	.	PUNCT
fsr-3388	205	1	drefahl	drefahl	PROPN
fsr-3388	205	2	(	(	PUNCT
fsr-3388	205	3	2010	2010	NUM
fsr-3388	205	4	)	)	PUNCT
fsr-3388	205	5	and	and	CCONJ
fsr-3388	205	6	neiman	neiman	NOUN
fsr-3388	205	7	and	and	CCONJ
fsr-3388	205	8	dortmann	dortmann	INTJ
fsr-3388	205	9	(	(	PUNCT
fsr-3388	205	10	2010	2010	NUM
fsr-3388	205	11	)	)	PUNCT
fsr-3388	205	12	found	find	VERB
fsr-3388	205	13	that	that	SCONJ
fsr-3388	205	14	married	married	ADJ
fsr-3388	205	15	men	man	NOUN
fsr-3388	205	16	generally	generally	ADV
fsr-3388	205	17	live	live	VERB
fsr-3388	205	18	longer	long	ADV
fsr-3388	205	19	than	than	ADP
fsr-3388	205	20	single	single	ADJ
fsr-3388	205	21	men	man	NOUN
fsr-3388	205	22	.	.	PUNCT
fsr-3388	206	1	further	far	ADV
fsr-3388	206	2	,	,	PUNCT
fsr-3388	206	3	the	the	DET
fsr-3388	206	4	death	death	NOUN
fsr-3388	206	5	of	of	ADP
fsr-3388	206	6	the	the	DET
fsr-3388	206	7	first	first	ADJ
fsr-3388	206	8	spouse	spouse	NOUN
fsr-3388	206	9	impacts	impact	VERB
fsr-3388	206	10	the	the	DET
fsr-3388	206	11	life	life	NOUN
fsr-3388	206	12	expectancy	expectancy	NOUN
fsr-3388	206	13	of	of	ADP
fsr-3388	206	14	the	the	DET
fsr-3388	206	15	surviving	surviving	NOUN
fsr-3388	206	16	spouse	spouse	NOUN
fsr-3388	206	17	(	(	PUNCT
fsr-3388	206	18	elwert	elwert	PROPN
fsr-3388	206	19	and	and	CCONJ
fsr-3388	206	20	christakis	christaki	NOUN
fsr-3388	206	21	,	,	PUNCT
fsr-3388	206	22	2008	2008	NUM
fsr-3388	206	23	)	)	PUNCT
fsr-3388	206	24	.	.	PUNCT
fsr-3388	207	1	building	build	VERB
fsr-3388	207	2	these	these	DET
fsr-3388	207	3	interdependencies	interdependency	NOUN
fsr-3388	207	4	into	into	ADP
fsr-3388	207	5	the	the	DET
fsr-3388	207	6	insurance	insurance	NOUN
fsr-3388	207	7	decision	decision	NOUN
fsr-3388	207	8	analysis	analysis	NOUN
fsr-3388	207	9	would	would	AUX
fsr-3388	207	10	substantially	substantially	ADV
fsr-3388	207	11	improve	improve	VERB
fsr-3388	207	12	the	the	DET
fsr-3388	207	13	discussion.6	discussion.6	VERB
fsr-3388	207	14	another	another	DET
fsr-3388	207	15	avenue	avenue	NOUN
fsr-3388	207	16	for	for	ADP
fsr-3388	207	17	further	further	ADJ
fsr-3388	207	18	research	research	NOUN
fsr-3388	207	19	on	on	ADP
fsr-3388	207	20	subpopulations	subpopulation	NOUN
fsr-3388	207	21	concerns	concern	VERB
fsr-3388	207	22	the	the	DET
fsr-3388	207	23	difference	difference	NOUN
fsr-3388	207	24	in	in	ADP
fsr-3388	207	25	life	life	NOUN
fsr-3388	207	26	expectancies	expectancy	NOUN
fsr-3388	207	27	based	base	VERB
fsr-3388	207	28	on	on	ADP
fsr-3388	207	29	socio	socio	NOUN
fsr-3388	207	30	-	-	PUNCT
fsr-3388	207	31	economic	economic	ADJ
fsr-3388	207	32	status	status	NOUN
fsr-3388	207	33	.	.	PUNCT
fsr-3388	208	1	olshansky	olshansky	NOUN
fsr-3388	208	2	et	et	PROPN
fsr-3388	208	3	al	al	PROPN
fsr-3388	208	4	.	.	PROPN
fsr-3388	209	1	(	(	PUNCT
fsr-3388	209	2	2012	2012	NUM
fsr-3388	209	3	)	)	PUNCT
fsr-3388	209	4	showed	show	VERB
fsr-3388	209	5	that	that	SCONJ
fsr-3388	209	6	retiree	retiree	NOUN
fsr-3388	209	7	life	life	NOUN
fsr-3388	209	8	expectancy	expectancy	NOUN
fsr-3388	209	9	is	be	AUX
fsr-3388	209	10	strongly	strongly	ADV
fsr-3388	209	11	impacted	impact	VERB
fsr-3388	209	12	by	by	ADP
fsr-3388	209	13	educational	educational	ADJ
fsr-3388	209	14	background	background	NOUN
fsr-3388	209	15	and	and	CCONJ
fsr-3388	209	16	other	other	ADJ
fsr-3388	209	17	factors	factor	NOUN
fsr-3388	209	18	.	.	PUNCT
fsr-3388	210	1	our	our	PRON
fsr-3388	210	2	research	research	NOUN
fsr-3388	210	3	has	have	VERB
fsr-3388	210	4	important	important	ADJ
fsr-3388	210	5	policy	policy	NOUN
fsr-3388	210	6	implications	implication	NOUN
fsr-3388	210	7	.	.	PUNCT
fsr-3388	211	1	the	the	DET
fsr-3388	211	2	gender	gender	NOUN
fsr-3388	211	3	differences	difference	NOUN
fsr-3388	211	4	noted	note	VERB
fsr-3388	211	5	are	be	AUX
fsr-3388	211	6	striking	strike	VERB
fsr-3388	211	7	.	.	PUNCT
fsr-3388	212	1	the	the	DET
fsr-3388	212	2	current	current	ADJ
fsr-3388	212	3	system	system	NOUN
fsr-3388	212	4	defaults	default	VERB
fsr-3388	212	5	all	all	DET
fsr-3388	212	6	retirees	retiree	NOUN
fsr-3388	212	7	,	,	PUNCT
fsr-3388	212	8	male	male	ADJ
fsr-3388	212	9	and	and	CCONJ
fsr-3388	212	10	female	female	NOUN
fsr-3388	212	11	,	,	PUNCT
fsr-3388	212	12	into	into	ADP
fsr-3388	212	13	the	the	DET
fsr-3388	212	14	survivor	survivor	NOUN
fsr-3388	212	15	insurance	insurance	NOUN
fsr-3388	212	16	program	program	NOUN
fsr-3388	212	17	.	.	PUNCT
fsr-3388	213	1	a	a	DET
fsr-3388	213	2	reasonable	reasonable	ADJ
fsr-3388	213	3	policy	policy	NOUN
fsr-3388	213	4	response	response	NOUN
fsr-3388	213	5	might	might	AUX
fsr-3388	213	6	be	be	AUX
fsr-3388	213	7	to	to	PART
fsr-3388	213	8	align	align	VERB
fsr-3388	213	9	the	the	DET
fsr-3388	213	10	default	default	NOUN
fsr-3388	213	11	-	-	PUNCT
fsr-3388	213	12	enrollment	enrollment	NOUN
fsr-3388	213	13	“	"	PUNCT
fsr-3388	213	14	nudge	nudge	NOUN
fsr-3388	213	15	”	"	PUNCT
fsr-3388	213	16	(	(	PUNCT
fsr-3388	213	17	thaler	thaler	NOUN
fsr-3388	213	18	and	and	CCONJ
fsr-3388	213	19	sunstein	sunstein	NOUN
fsr-3388	213	20	,	,	PUNCT
fsr-3388	213	21	2009	2009	NUM
fsr-3388	213	22	)	)	PUNCT
fsr-3388	213	23	with	with	ADP
fsr-3388	213	24	the	the	DET
fsr-3388	213	25	on	on	ADP
fsr-3388	213	26	-	-	PUNCT
fsr-3388	213	27	average	average	ADJ
fsr-3388	213	28	gender	gender	NOUN
fsr-3388	213	29	-	-	PUNCT
fsr-3388	213	30	specific	specific	ADJ
fsr-3388	213	31	economics	economic	NOUN
fsr-3388	213	32	.	.	PUNCT
fsr-3388	214	1	alternatively	alternatively	ADV
fsr-3388	214	2	,	,	PUNCT
fsr-3388	214	3	policy	policy	NOUN
fsr-3388	214	4	makers	maker	NOUN
fsr-3388	214	5	could	could	AUX
fsr-3388	214	6	adjust	adjust	VERB
fsr-3388	214	7	the	the	DET
fsr-3388	214	8	pricing	pricing	NOUN
fsr-3388	214	9	scheme	scheme	NOUN
fsr-3388	214	10	(	(	PUNCT
fsr-3388	214	11	a	a	DET
fsr-3388	214	12	10	10	NUM
fsr-3388	214	13	%	%	NOUN
fsr-3388	214	14	reduction	reduction	NOUN
fsr-3388	214	15	for	for	ADP
fsr-3388	214	16	a	a	DET
fsr-3388	214	17	50	50	NUM
fsr-3388	214	18	%	%	NOUN
fsr-3388	214	19	benefit	benefit	NOUN
fsr-3388	214	20	)	)	PUNCT
fsr-3388	214	21	to	to	PART
fsr-3388	214	22	produce	produce	VERB
fsr-3388	214	23	better	well	ADJ
fsr-3388	214	24	outcomes	outcome	NOUN
fsr-3388	214	25	for	for	ADP
fsr-3388	214	26	female	female	ADJ
fsr-3388	214	27	retirees	retiree	NOUN
fsr-3388	214	28	.	.	PUNCT
fsr-3388	215	1	notes	note	VERB
fsr-3388	215	2	1	1	NUM
fsr-3388	215	3	social	social	ADJ
fsr-3388	215	4	security	security	NOUN
fsr-3388	215	5	administration	administration	NOUN
fsr-3388	215	6	.	.	PUNCT
fsr-3388	216	1	period	period	NOUN
fsr-3388	216	2	life	life	NOUN
fsr-3388	216	3	table	table	NOUN
fsr-3388	216	4	(	(	PUNCT
fsr-3388	216	5	2009	2009	NUM
fsr-3388	216	6	)	)	PUNCT
fsr-3388	216	7	.	.	PUNCT
fsr-3388	217	1	actuarial	actuarial	ADJ
fsr-3388	217	2	publications	publication	NOUN
fsr-3388	217	3	.	.	PUNCT
fsr-3388	218	1	see	see	VERB
fsr-3388	218	2	:	:	PUNCT
fsr-3388	218	3	http://www.ssa.gov/oact/stats/table4c6.html	http://www.ssa.gov/oact/stats/table4c6.html	ADJ
fsr-3388	218	4	.	.	PUNCT
fsr-3388	219	1	2	2	NUM
fsr-3388	219	2	jennings	jenning	NOUN
fsr-3388	219	3	and	and	CCONJ
fsr-3388	219	4	reichenstein	reichenstein	PROPN
fsr-3388	219	5	(	(	PUNCT
fsr-3388	219	6	2003	2003	NUM
fsr-3388	219	7	)	)	PUNCT
fsr-3388	219	8	note	note	VERB
fsr-3388	219	9	that	that	SCONJ
fsr-3388	219	10	the	the	DET
fsr-3388	219	11	expected	expect	VERB
fsr-3388	219	12	cash	cash	NOUN
fsr-3388	219	13	flow	flow	NOUN
fsr-3388	219	14	approach	approach	NOUN
fsr-3388	219	15	results	result	NOUN
fsr-3388	219	16	in	in	ADP
fsr-3388	219	17	about	about	ADV
fsr-3388	219	18	10	10	NUM
fsr-3388	219	19	%	%	NOUN
fsr-3388	219	20	more	more	ADJ
fsr-3388	219	21	value	value	NOUN
fsr-3388	219	22	than	than	ADP
fsr-3388	219	23	evaluating	evaluate	VERB
fsr-3388	219	24	cash	cash	NOUN
fsr-3388	219	25	flows	flow	NOUN
fsr-3388	219	26	over	over	ADP
fsr-3388	219	27	life	life	NOUN
fsr-3388	219	28	expectancy	expectancy	NOUN
fsr-3388	219	29	.	.	PUNCT
fsr-3388	220	1	3	3	NUM
fsr-3388	220	2	the	the	DET
fsr-3388	220	3	fers	fer	NOUN
fsr-3388	220	4	survivor	survivor	PROPN
fsr-3388	220	5	annuity	annuity	NOUN
fsr-3388	220	6	program	program	NOUN
fsr-3388	220	7	will	will	AUX
fsr-3388	220	8	cover	cover	VERB
fsr-3388	220	9	a	a	DET
fsr-3388	220	10	new	new	ADJ
fsr-3388	220	11	spouse	spouse	NOUN
fsr-3388	220	12	,	,	PUNCT
fsr-3388	220	13	but	but	CCONJ
fsr-3388	220	14	we	we	PRON
fsr-3388	220	15	take	take	VERB
fsr-3388	220	16	the	the	DET
fsr-3388	220	17	more	more	ADV
fsr-3388	220	18	conservative	conservative	ADJ
fsr-3388	220	19	valuation	valuation	NOUN
fsr-3388	220	20	approach	approach	NOUN
fsr-3388	220	21	of	of	ADP
fsr-3388	220	22	ignoring	ignore	VERB
fsr-3388	220	23	re	re	NOUN
fsr-3388	220	24	-	-	NOUN
fsr-3388	220	25	marriages	marriage	NOUN
fsr-3388	220	26	.	.	PUNCT
fsr-3388	221	1	4	4	NUM
fsr-3388	221	2	however	however	ADV
fsr-3388	221	3	,	,	PUNCT
fsr-3388	221	4	because	because	SCONJ
fsr-3388	221	5	of	of	ADP
fsr-3388	221	6	the	the	DET
fsr-3388	221	7	skewness	skewness	NOUN
fsr-3388	221	8	in	in	ADP
fsr-3388	221	9	the	the	DET
fsr-3388	221	10	benefits	benefit	NOUN
fsr-3388	221	11	distribution	distribution	NOUN
fsr-3388	221	12	,	,	PUNCT
fsr-3388	221	13	slightly	slightly	ADV
fsr-3388	221	14	less	less	ADJ
fsr-3388	221	15	than	than	ADP
fsr-3388	221	16	30	30	NUM
fsr-3388	221	17	%	%	NOUN
fsr-3388	221	18	of	of	ADP
fsr-3388	221	19	fers	fer	NOUN
fsr-3388	221	20	annuity	annuity	NOUN
fsr-3388	221	21	insurance	insurance	NOUN
fsr-3388	221	22	participants	participant	NOUN
fsr-3388	221	23	will	will	AUX
fsr-3388	221	24	earn	earn	VERB
fsr-3388	221	25	the	the	DET
fsr-3388	221	26	7.4	7.4	NUM
fsr-3388	221	27	%	%	NOUN
fsr-3388	221	28	real	real	ADJ
fsr-3388	221	29	return	return	NOUN
fsr-3388	221	30	on	on	ADP
fsr-3388	221	31	their	their	PRON
fsr-3388	221	32	payments	payment	NOUN
fsr-3388	221	33	.	.	PUNCT
fsr-3388	222	1	5	5	NUM
fsr-3388	222	2	though	though	SCONJ
fsr-3388	222	3	this	this	DET
fsr-3388	222	4	1.7	1.7	NUM
fsr-3388	222	5	%	%	NOUN
fsr-3388	222	6	real	real	ADJ
fsr-3388	222	7	return	return	NOUN
fsr-3388	222	8	is	be	AUX
fsr-3388	222	9	still	still	ADV
fsr-3388	222	10	generous	generous	ADJ
fsr-3388	222	11	relative	relative	ADJ
fsr-3388	222	12	to	to	ADP
fsr-3388	222	13	the	the	DET
fsr-3388	222	14	current	current	ADJ
fsr-3388	222	15	real	real	ADJ
fsr-3388	222	16	return	return	NOUN
fsr-3388	222	17	on	on	ADP
fsr-3388	222	18	another	another	DET
fsr-3388	222	19	government	government	NOUN
fsr-3388	222	20	-	-	PUNCT
fsr-3388	222	21	guaranteed	guarantee	VERB
fsr-3388	222	22	inflation	inflation	NOUN
fsr-3388	222	23	-	-	PUNCT
fsr-3388	222	24	indexed	index	VERB
fsr-3388	222	25	investment	investment	NOUN
fsr-3388	222	26	,	,	PUNCT
fsr-3388	222	27	treasury	treasury	PROPN
fsr-3388	222	28	inflation	inflation	NOUN
fsr-3388	222	29	protection	protection	NOUN
fsr-3388	222	30	securities	security	NOUN
fsr-3388	222	31	.	.	PUNCT
fsr-3388	223	1	6	6	NUM
fsr-3388	223	2	note	note	VERB
fsr-3388	223	3	that	that	SCONJ
fsr-3388	223	4	health	health	NOUN
fsr-3388	223	5	interdependencies	interdependency	NOUN
fsr-3388	223	6	are	be	AUX
fsr-3388	223	7	not	not	PART
fsr-3388	223	8	amenable	amenable	ADJ
fsr-3388	223	9	to	to	ADP
fsr-3388	223	10	universal	universal	ADJ
fsr-3388	223	11	simulation	simulation	NOUN
fsr-3388	223	12	.	.	PUNCT
fsr-3388	224	1	for	for	ADP
fsr-3388	224	2	example	example	NOUN
fsr-3388	224	3	,	,	PUNCT
fsr-3388	224	4	while	while	SCONJ
fsr-3388	224	5	the	the	DET
fsr-3388	224	6	hazard	hazard	NOUN
fsr-3388	224	7	ratio	ratio	NOUN
fsr-3388	224	8	(	(	PUNCT
fsr-3388	224	9	likelihood	likelihood	NOUN
fsr-3388	224	10	of	of	ADP
fsr-3388	224	11	death	death	NOUN
fsr-3388	224	12	)	)	PUNCT
fsr-3388	224	13	generally	generally	ADV
fsr-3388	224	14	increases	increase	VERB
fsr-3388	224	15	for	for	ADP
fsr-3388	224	16	widows	widow	NOUN
fsr-3388	224	17	and	and	CCONJ
fsr-3388	224	18	widowers	widower	NOUN
fsr-3388	224	19	(	(	PUNCT
fsr-3388	224	20	elwert	elwert	PROPN
fsr-3388	224	21	and	and	CCONJ
fsr-3388	224	22	christakis	christaki	NOUN
fsr-3388	224	23	,	,	PUNCT
fsr-3388	224	24	2008	2008	NUM
fsr-3388	224	25	;	;	PUNCT
fsr-3388	224	26	martikainen	martikainen	NOUN
fsr-3388	224	27	and	and	CCONJ
fsr-3388	224	28	valkonen	valkonen	PROPN
fsr-3388	224	29	,	,	PUNCT
fsr-3388	224	30	1996	1996	NUM
fsr-3388	224	31	)	)	PUNCT
fsr-3388	224	32	,	,	PUNCT
fsr-3388	224	33	the	the	DET
fsr-3388	224	34	size	size	NOUN
fsr-3388	224	35	of	of	ADP
fsr-3388	224	36	the	the	DET
fsr-3388	224	37	effect	effect	NOUN
fsr-3388	224	38	depends	depend	VERB
fsr-3388	224	39	on	on	ADP
fsr-3388	224	40	the	the	DET
fsr-3388	224	41	cause	cause	NOUN
fsr-3388	224	42	of	of	ADP
fsr-3388	224	43	death	death	NOUN
fsr-3388	224	44	for	for	ADP
fsr-3388	224	45	the	the	DET
fsr-3388	224	46	first	first	ADJ
fsr-3388	224	47	spouse	spouse	NOUN
fsr-3388	224	48	.	.	PUNCT
fsr-3388	225	1	many	many	ADJ
fsr-3388	225	2	cancers	cancer	NOUN
fsr-3388	225	3	,	,	PUNCT
fsr-3388	225	4	for	for	ADP
fsr-3388	225	5	example	example	NOUN
fsr-3388	225	6	,	,	PUNCT
fsr-3388	225	7	have	have	VERB
fsr-3388	225	8	little	little	ADJ
fsr-3388	225	9	effect	effect	NOUN
fsr-3388	225	10	on	on	ADP
fsr-3388	225	11	the	the	DET
fsr-3388	225	12	mortality	mortality	NOUN
fsr-3388	225	13	probabilities	probability	NOUN
fsr-3388	225	14	for	for	ADP
fsr-3388	225	15	the	the	DET
fsr-3388	225	16	surviving	surviving	NOUN
fsr-3388	225	17	spouse	spouse	NOUN
fsr-3388	225	18	.	.	PUNCT
fsr-3388	226	1	lung	lung	NOUN
fsr-3388	226	2	cancer	cancer	NOUN
fsr-3388	226	3	is	be	AUX
fsr-3388	226	4	an	an	DET
fsr-3388	226	5	exception	exception	NOUN
fsr-3388	226	6	—	—	PUNCT
fsr-3388	226	7	however	however	ADV
fsr-3388	226	8	,	,	PUNCT
fsr-3388	226	9	causes	cause	VERB
fsr-3388	226	10	like	like	SCONJ
fsr-3388	226	11	lung	lung	NOUN
fsr-3388	226	12	cancer	cancer	NOUN
fsr-3388	226	13	introduce	introduce	VERB
fsr-3388	226	14	another	another	DET
fsr-3388	226	15	problem	problem	NOUN
fsr-3388	226	16	—	—	PUNCT
fsr-3388	226	17	death	death	NOUN
fsr-3388	226	18	of	of	ADP
fsr-3388	226	19	a	a	DET
fsr-3388	226	20	spouse	spouse	NOUN
fsr-3388	226	21	from	from	ADP
fsr-3388	226	22	lung	lung	NOUN
fsr-3388	226	23	cancer	cancer	NOUN
fsr-3388	226	24	probably	probably	ADV
fsr-3388	226	25	only	only	ADV
fsr-3388	226	26	“	"	PUNCT
fsr-3388	226	27	increases	increase	NOUN
fsr-3388	226	28	”	"	PUNCT
fsr-3388	226	29	the	the	DET
fsr-3388	226	30	surviving	surviving	NOUN
fsr-3388	226	31	spouse	spouse	NOUN
fsr-3388	226	32	’s	’s	PART
fsr-3388	226	33	hazard	hazard	NOUN
fsr-3388	226	34	ratio	ratio	NOUN
fsr-3388	226	35	because	because	SCONJ
fsr-3388	226	36	both	both	DET
fsr-3388	226	37	spouses	spouse	NOUN
fsr-3388	226	38	were	be	AUX
fsr-3388	226	39	smokers	smoker	NOUN
fsr-3388	226	40	.	.	PUNCT
fsr-3388	227	1	these	these	DET
fsr-3388	227	2	interactions	interaction	NOUN
fsr-3388	227	3	are	be	AUX
fsr-3388	227	4	best	good	ADJ
fsr-3388	227	5	144	144	NUM
fsr-3388	227	6	k.	k.	PROPN
fsr-3388	227	7	davis	davis	PROPN
fsr-3388	227	8	et	et	PROPN
fsr-3388	227	9	al	al	PROPN
fsr-3388	227	10	.	.	PUNCT
fsr-3388	227	11	/	/	SYM
fsr-3388	227	12	financial	financial	ADJ
fsr-3388	227	13	services	service	NOUN
fsr-3388	227	14	review	review	VERB
fsr-3388	227	15	27	27	NUM
fsr-3388	227	16	(	(	PUNCT
fsr-3388	227	17	2018	2018	NUM
fsr-3388	227	18	)	)	PUNCT
fsr-3388	227	19	133	133	NUM
fsr-3388	227	20	-	-	SYM
fsr-3388	227	21	146	146	NUM
fsr-3388	227	22	handled	handle	VERB
fsr-3388	227	23	on	on	ADP
fsr-3388	227	24	a	a	DET
fsr-3388	227	25	case	case	NOUN
fsr-3388	227	26	-	-	PUNCT
fsr-3388	227	27	by	by	ADP
fsr-3388	227	28	-	-	PUNCT
fsr-3388	227	29	case	case	NOUN
fsr-3388	227	30	basis	basis	NOUN
fsr-3388	227	31	.	.	PUNCT
fsr-3388	228	1	the	the	DET
fsr-3388	228	2	importance	importance	NOUN
fsr-3388	228	3	of	of	ADP
fsr-3388	228	4	having	have	VERB
fsr-3388	228	5	an	an	DET
fsr-3388	228	6	advisor	advisor	NOUN
fsr-3388	228	7	address	address	NOUN
fsr-3388	228	8	death	death	NOUN
fsr-3388	228	9	interdependencies	interdependency	NOUN
fsr-3388	228	10	is	be	AUX
fsr-3388	228	11	discussed	discuss	VERB
fsr-3388	228	12	by	by	ADP
fsr-3388	228	13	davis	davis	PROPN
fsr-3388	228	14	and	and	CCONJ
fsr-3388	228	15	fraser	fraser	PROPN
fsr-3388	228	16	(	(	PUNCT
fsr-3388	228	17	2012	2012	NUM
fsr-3388	228	18	)	)	PUNCT
fsr-3388	228	19	.	.	PUNCT
fsr-3388	229	1	by	by	ADP
fsr-3388	229	2	applying	apply	VERB
fsr-3388	229	3	the	the	DET
fsr-3388	229	4	likelihoods	likelihood	NOUN
fsr-3388	229	5	discussed	discuss	VERB
fsr-3388	229	6	by	by	ADP
fsr-3388	229	7	elwert	elwert	PROPN
fsr-3388	229	8	and	and	CCONJ
fsr-3388	229	9	christakis	christakis	PROPN
fsr-3388	229	10	(	(	PUNCT
fsr-3388	229	11	2008	2008	NUM
fsr-3388	229	12	)	)	PUNCT
fsr-3388	229	13	,	,	PUNCT
fsr-3388	229	14	davis	davis	PROPN
fsr-3388	229	15	and	and	CCONJ
fsr-3388	229	16	fraser	fraser	PROPN
fsr-3388	229	17	found	find	VERB
fsr-3388	229	18	that	that	SCONJ
fsr-3388	229	19	an	an	DET
fsr-3388	229	20	early	early	ADJ
fsr-3388	229	21	death	death	NOUN
fsr-3388	229	22	of	of	ADP
fsr-3388	229	23	the	the	DET
fsr-3388	229	24	retiree	retiree	NOUN
fsr-3388	229	25	(	(	PUNCT
fsr-3388	229	26	e.g.	e.g.	ADV
fsr-3388	229	27	from	from	ADP
fsr-3388	229	28	50	50	NUM
fsr-3388	229	29	to	to	PART
fsr-3388	229	30	60	60	NUM
fsr-3388	229	31	years	year	NOUN
fsr-3388	229	32	of	of	ADP
fsr-3388	229	33	age	age	NOUN
fsr-3388	229	34	)	)	PUNCT
fsr-3388	229	35	can	can	AUX
fsr-3388	229	36	result	result	VERB
fsr-3388	229	37	in	in	ADP
fsr-3388	229	38	the	the	DET
fsr-3388	229	39	survivor	survivor	NOUN
fsr-3388	229	40	living	live	VERB
fsr-3388	229	41	as	as	ADV
fsr-3388	229	42	much	much	ADV
fsr-3388	229	43	as	as	ADP
fsr-3388	229	44	a	a	DET
fsr-3388	229	45	full	full	ADJ
fsr-3388	229	46	year	year	NOUN
fsr-3388	229	47	less	less	ADJ
fsr-3388	229	48	than	than	SCONJ
fsr-3388	229	49	predicted	predict	VERB
fsr-3388	229	50	by	by	ADP
fsr-3388	229	51	the	the	DET
fsr-3388	229	52	social	social	ADJ
fsr-3388	229	53	security	security	NOUN
fsr-3388	229	54	tables	table	NOUN
fsr-3388	229	55	.	.	PUNCT
fsr-3388	230	1	acknowledgments	acknowledgment	NOUN
fsr-3388	230	2	opinions	opinion	NOUN
fsr-3388	230	3	,	,	PUNCT
fsr-3388	230	4	conclusions	conclusion	NOUN
fsr-3388	230	5	,	,	PUNCT
fsr-3388	230	6	and	and	CCONJ
fsr-3388	230	7	recommendations	recommendation	NOUN
fsr-3388	230	8	expressed	express	VERB
fsr-3388	230	9	or	or	CCONJ
fsr-3388	230	10	implied	imply	VERB
fsr-3388	230	11	within	within	ADP
fsr-3388	230	12	are	be	AUX
fsr-3388	230	13	solely	solely	ADV
fsr-3388	230	14	those	those	PRON
fsr-3388	230	15	of	of	ADP
fsr-3388	230	16	the	the	DET
fsr-3388	230	17	authors	author	NOUN
fsr-3388	230	18	and	and	CCONJ
fsr-3388	230	19	do	do	AUX
fsr-3388	230	20	not	not	PART
fsr-3388	230	21	necessarily	necessarily	ADV
fsr-3388	230	22	represent	represent	VERB
fsr-3388	230	23	the	the	DET
fsr-3388	230	24	views	view	NOUN
fsr-3388	230	25	of	of	ADP
fsr-3388	230	26	the	the	DET
fsr-3388	230	27	usaf	usaf	PROPN
fsr-3388	230	28	academy	academy	PROPN
fsr-3388	230	29	,	,	PUNCT
fsr-3388	230	30	the	the	DET
fsr-3388	230	31	u.	u.	PROPN
fsr-3388	230	32	s.	s.	PROPN
fsr-3388	230	33	air	air	PROPN
fsr-3388	230	34	force	force	PROPN
fsr-3388	230	35	,	,	PUNCT
fsr-3388	230	36	the	the	DET
fsr-3388	230	37	department	department	NOUN
fsr-3388	230	38	of	of	ADP
fsr-3388	230	39	defense	defense	NOUN
fsr-3388	230	40	,	,	PUNCT
fsr-3388	230	41	or	or	CCONJ
fsr-3388	230	42	any	any	DET
fsr-3388	230	43	other	other	ADJ
fsr-3388	230	44	government	government	NOUN
fsr-3388	230	45	agency	agency	NOUN
fsr-3388	230	46	.	.	PUNCT
fsr-3388	231	1	the	the	DET
fsr-3388	231	2	authors	author	NOUN
fsr-3388	231	3	would	would	AUX
fsr-3388	231	4	like	like	VERB
fsr-3388	231	5	to	to	PART
fsr-3388	231	6	thank	thank	VERB
fsr-3388	231	7	two	two	NUM
fsr-3388	231	8	anonymous	anonymous	ADJ
fsr-3388	231	9	reviewers	reviewer	NOUN
fsr-3388	231	10	for	for	ADP
fsr-3388	231	11	their	their	PRON
fsr-3388	231	12	valuable	valuable	ADJ
fsr-3388	231	13	contributions	contribution	NOUN
fsr-3388	231	14	.	.	PUNCT
fsr-3388	232	1	references	reference	NOUN
fsr-3388	232	2	ameriks	ameriks	PROPN
fsr-3388	232	3	,	,	PUNCT
fsr-3388	232	4	j.	j.	PROPN
fsr-3388	232	5	,	,	PUNCT
fsr-3388	232	6	veres	veres	PROPN
fsr-3388	232	7	,	,	PUNCT
fsr-3388	232	8	r.	r.	PROPN
fsr-3388	232	9	,	,	PUNCT
fsr-3388	232	10	&	&	CCONJ
fsr-3388	232	11	warshawsky	warshawsky	PROPN
fsr-3388	232	12	,	,	PUNCT
fsr-3388	232	13	m.	m.	NOUN
fsr-3388	232	14	j.	j.	PROPN
fsr-3388	232	15	(	(	PUNCT
fsr-3388	232	16	2001	2001	NUM
fsr-3388	232	17	)	)	PUNCT
fsr-3388	232	18	.	.	PUNCT
fsr-3388	233	1	making	make	VERB
fsr-3388	233	2	retirement	retirement	NOUN
fsr-3388	233	3	income	income	NOUN
fsr-3388	233	4	last	last	ADJ
fsr-3388	233	5	a	a	DET
fsr-3388	233	6	lifetime	lifetime	NOUN
fsr-3388	233	7	.	.	PUNCT
fsr-3388	234	1	journal	journal	PROPN
fsr-3388	234	2	of	of	ADP
fsr-3388	234	3	financial	financial	ADJ
fsr-3388	234	4	planning	planning	NOUN
fsr-3388	234	5	,	,	PUNCT
fsr-3388	234	6	14	14	NUM
fsr-3388	234	7	,	,	PUNCT
fsr-3388	234	8	60–76	60–76	NOUN
fsr-3388	234	9	.	.	PUNCT
fsr-3388	235	1	burr	burr	PROPN
fsr-3388	235	2	,	,	PUNCT
fsr-3388	235	3	j.	j.	PROPN
fsr-3388	235	4	(	(	PUNCT
fsr-3388	235	5	2018	2018	NUM
fsr-3388	235	6	)	)	PUNCT
fsr-3388	235	7	.	.	PUNCT
fsr-3388	236	1	opm	opm	PROPN
fsr-3388	236	2	is	be	AUX
fsr-3388	236	3	out	out	ADV
fsr-3388	236	4	to	to	PART
fsr-3388	236	5	cut	cut	VERB
fsr-3388	236	6	retirement	retirement	NOUN
fsr-3388	236	7	benefits	benefit	NOUN
fsr-3388	236	8	.	.	PUNCT
fsr-3388	237	1	(	(	PUNCT
fsr-3388	237	2	available	available	ADJ
fsr-3388	237	3	at	at	ADP
fsr-3388	237	4	https://www.federaltimes.com/management/	https://www.federaltimes.com/management/	PROPN
fsr-3388	237	5	pay	pay	VERB
fsr-3388	237	6	-	-	PUNCT
fsr-3388	237	7	benefits/2018/05/07	benefits/2018/05/07	VERB
fsr-3388	237	8	/	/	SYM
fsr-3388	237	9	opm	opm	NOUN
fsr-3388	237	10	-	-	PUNCT
fsr-3388	237	11	is	be	AUX
fsr-3388	237	12	-	-	PUNCT
fsr-3388	237	13	out	out	ADP
fsr-3388	237	14	-	-	PUNCT
fsr-3388	237	15	to	to	ADP
fsr-3388	237	16	-	-	PUNCT
fsr-3388	237	17	cut	cut	VERB
fsr-3388	237	18	-	-	PUNCT
fsr-3388	237	19	retirement	retirement	NOUN
fsr-3388	237	20	-	-	PUNCT
fsr-3388	237	21	benefits/	benefits/	NOUN
fsr-3388	237	22	)	)	PUNCT
fsr-3388	237	23	burrelli	burrelli	PROPN
fsr-3388	237	24	,	,	PUNCT
fsr-3388	237	25	d.	d.	PROPN
fsr-3388	237	26	f.	f.	PROPN
fsr-3388	237	27	(	(	PUNCT
fsr-3388	237	28	2011	2011	NUM
fsr-3388	237	29	)	)	PUNCT
fsr-3388	237	30	.	.	PUNCT
fsr-3388	238	1	the	the	DET
fsr-3388	238	2	military	military	ADJ
fsr-3388	238	3	survivor	survivor	NOUN
fsr-3388	238	4	benefit	benefit	NOUN
fsr-3388	238	5	plan	plan	NOUN
fsr-3388	238	6	:	:	PUNCT
fsr-3388	238	7	a	a	DET
fsr-3388	238	8	description	description	NOUN
fsr-3388	238	9	of	of	ADP
fsr-3388	238	10	its	its	PRON
fsr-3388	238	11	provisions	provision	NOUN
fsr-3388	238	12	.	.	PUNCT
fsr-3388	239	1	congressional	congressional	ADJ
fsr-3388	239	2	research	research	NOUN
fsr-3388	239	3	service	service	NOUN
fsr-3388	239	4	.	.	PUNCT
fsr-3388	240	1	(	(	PUNCT
fsr-3388	240	2	available	available	ADJ
fsr-3388	240	3	at	at	ADP
fsr-3388	240	4	https://digital.library.unt.edu/ark:/67531/metadc122283/m1/1/high_res_d/	https://digital.library.unt.edu/ark:/67531/metadc122283/m1/1/high_res_d/	PROPN
fsr-3388	240	5	rl31664_2011jan12.pdf	rl31664_2011jan12.pdf	PROPN
fsr-3388	240	6	)	)	PUNCT
fsr-3388	240	7	census	census	PROPN
fsr-3388	240	8	bureau	bureau	NOUN
fsr-3388	240	9	.	.	PUNCT
fsr-3388	241	1	(	(	PUNCT
fsr-3388	241	2	2002	2002	NUM
fsr-3388	241	3	)	)	PUNCT
fsr-3388	241	4	.	.	PUNCT
fsr-3388	242	1	married	marry	VERB
fsr-3388	242	2	couple	couple	NOUN
fsr-3388	242	3	family	family	NOUN
fsr-3388	242	4	groups	group	NOUN
fsr-3388	242	5	,	,	PUNCT
fsr-3388	242	6	by	by	ADP
fsr-3388	242	7	presence	presence	NOUN
fsr-3388	242	8	of	of	ADP
fsr-3388	242	9	own	own	ADJ
fsr-3388	242	10	children	child	NOUN
fsr-3388	242	11	under	under	ADP
fsr-3388	242	12	18	18	NUM
fsr-3388	242	13	,	,	PUNCT
fsr-3388	242	14	and	and	CCONJ
fsr-3388	242	15	age	age	NOUN
fsr-3388	242	16	,	,	PUNCT
fsr-3388	242	17	earnings	earning	NOUN
fsr-3388	242	18	,	,	PUNCT
fsr-3388	242	19	education	education	NOUN
fsr-3388	242	20	,	,	PUNCT
fsr-3388	242	21	and	and	CCONJ
fsr-3388	242	22	race	race	NOUN
fsr-3388	242	23	and	and	CCONJ
fsr-3388	242	24	hispanic	hispanic	ADJ
fsr-3388	242	25	origin	origin	NOUN
fsr-3388	242	26	of	of	ADP
fsr-3388	242	27	both	both	DET
fsr-3388	242	28	spouses	spouse	NOUN
fsr-3388	242	29	.	.	PUNCT
fsr-3388	243	1	census	census	NOUN
fsr-3388	243	2	website	website	NOUN
fsr-3388	243	3	,	,	PUNCT
fsr-3388	243	4	table	table	NOUN
fsr-3388	243	5	fg3	fg3	NOUN
fsr-3388	243	6	.	.	PUNCT
fsr-3388	244	1	(	(	PUNCT
fsr-3388	244	2	available	available	ADJ
fsr-3388	244	3	at	at	ADP
fsr-3388	244	4	http://www.census.gov/population/socdemo/hh-fam/cps2002/tabfg3.pdf	http://www.census.gov/population/socdemo/hh-fam/cps2002/tabfg3.pdf	PROPN
fsr-3388	244	5	)	)	PUNCT
fsr-3388	244	6	cbo	cbo	PROPN
fsr-3388	244	7	.	.	PUNCT
fsr-3388	245	1	(	(	PUNCT
fsr-3388	245	2	2012	2012	NUM
fsr-3388	245	3	)	)	PUNCT
fsr-3388	245	4	.	.	PUNCT
fsr-3388	246	1	civil	civil	ADJ
fsr-3388	246	2	service	service	NOUN
fsr-3388	246	3	retirement	retirement	NOUN
fsr-3388	246	4	and	and	CCONJ
fsr-3388	246	5	disability	disability	NOUN
fsr-3388	246	6	fund	fund	NOUN
fsr-3388	246	7	,	,	PUNCT
fsr-3388	246	8	march	march	PROPN
fsr-3388	246	9	2012	2012	NUM
fsr-3388	246	10	baseline	baseline	NOUN
fsr-3388	246	11	.	.	PUNCT
fsr-3388	247	1	(	(	PUNCT
fsr-3388	247	2	available	available	ADJ
fsr-3388	247	3	at	at	ADP
fsr-3388	247	4	http://www	http://www	PROPN
fsr-3388	247	5	.	.	PUNCT
fsr-3388	248	1	cbo.gov/publication/43067	cbo.gov/publication/43067	PROPN
fsr-3388	248	2	)	)	PUNCT
fsr-3388	248	3	cbo	cbo	PROPN
fsr-3388	248	4	.	.	PUNCT
fsr-3388	249	1	(	(	PUNCT
fsr-3388	249	2	2016	2016	NUM
fsr-3388	249	3	)	)	PUNCT
fsr-3388	249	4	.	.	PUNCT
fsr-3388	250	1	civil	civil	ADJ
fsr-3388	250	2	service	service	NOUN
fsr-3388	250	3	annual	annual	ADJ
fsr-3388	250	4	report	report	NOUN
fsr-3388	250	5	.	.	PUNCT
fsr-3388	251	1	(	(	PUNCT
fsr-3388	251	2	available	available	ADJ
fsr-3388	251	3	at	at	ADP
fsr-3388	251	4	https://www.opm.gov/about-us/budget-performance/	https://www.opm.gov/about-us/budget-performance/	DET
fsr-3388	251	5	other	other	ADJ
fsr-3388	251	6	-	-	PUNCT
fsr-3388	251	7	reports/2015	reports/2015	NOUN
fsr-3388	251	8	-	-	PUNCT
fsr-3388	251	9	civil	civil	ADJ
fsr-3388	251	10	-	-	PUNCT
fsr-3388	251	11	service	service	NOUN
fsr-3388	251	12	-	-	PUNCT
fsr-3388	251	13	retirement	retirement	NOUN
fsr-3388	251	14	-	-	PUNCT
fsr-3388	251	15	and	and	CCONJ
fsr-3388	251	16	-	-	PUNCT
fsr-3388	251	17	disability	disability	NOUN
fsr-3388	251	18	-	-	PUNCT
fsr-3388	251	19	fund	fund	NOUN
fsr-3388	251	20	-	-	PUNCT
fsr-3388	251	21	annual	annual	ADJ
fsr-3388	251	22	-	-	PUNCT
fsr-3388	251	23	report.pdf	report.pdf	NOUN
fsr-3388	251	24	)	)	PUNCT
fsr-3388	251	25	davidson	davidson	NOUN
fsr-3388	251	26	,	,	PUNCT
fsr-3388	251	27	j.	j.	PROPN
fsr-3388	251	28	(	(	PUNCT
fsr-3388	251	29	2017	2017	NUM
fsr-3388	251	30	)	)	PUNCT
fsr-3388	251	31	.	.	PUNCT
fsr-3388	252	1	trump	trump	NOUN
fsr-3388	252	2	’s	’s	PART
fsr-3388	252	3	budget	budget	NOUN
fsr-3388	252	4	calls	call	VERB
fsr-3388	252	5	for	for	ADP
fsr-3388	252	6	hits	hit	NOUN
fsr-3388	252	7	on	on	ADP
fsr-3388	252	8	federal	federal	ADJ
fsr-3388	252	9	employee	employee	NOUN
fsr-3388	252	10	retirement	retirement	NOUN
fsr-3388	252	11	programs	program	NOUN
fsr-3388	252	12	.	.	PUNCT
fsr-3388	253	1	the	the	DET
fsr-3388	253	2	washington	washington	PROPN
fsr-3388	253	3	post	post	PROPN
fsr-3388	253	4	,	,	PUNCT
fsr-3388	253	5	may	may	AUX
fsr-3388	253	6	18	18	NUM
fsr-3388	253	7	,	,	PUNCT
fsr-3388	253	8	2017	2017	NUM
fsr-3388	253	9	.	.	PUNCT
fsr-3388	254	1	davis	davis	PROPN
fsr-3388	254	2	,	,	PUNCT
fsr-3388	254	3	k.	k.	PROPN
fsr-3388	254	4	j.	j.	PROPN
fsr-3388	254	5	,	,	PUNCT
fsr-3388	254	6	&	&	CCONJ
fsr-3388	254	7	fraser	fraser	PROPN
fsr-3388	254	8	,	,	PUNCT
fsr-3388	254	9	s.	s.	PROPN
fsr-3388	254	10	(	(	PUNCT
fsr-3388	254	11	2012	2012	NUM
fsr-3388	254	12	)	)	PUNCT
fsr-3388	254	13	.	.	PUNCT
fsr-3388	255	1	insuring	insure	VERB
fsr-3388	255	2	defined	define	VERB
fsr-3388	255	3	-	-	PUNCT
fsr-3388	255	4	benefit	benefit	NOUN
fsr-3388	255	5	plan	plan	NOUN
fsr-3388	255	6	value	value	NOUN
fsr-3388	255	7	:	:	PUNCT
fsr-3388	255	8	an	an	DET
fsr-3388	255	9	examination	examination	NOUN
fsr-3388	255	10	of	of	ADP
fsr-3388	255	11	the	the	DET
fsr-3388	255	12	survivor	survivor	NOUN
fsr-3388	255	13	benefit	benefit	NOUN
fsr-3388	255	14	plan	plan	NOUN
fsr-3388	255	15	(	(	PUNCT
fsr-3388	255	16	sbp	sbp	NOUN
fsr-3388	255	17	)	)	PUNCT
fsr-3388	255	18	decision	decision	NOUN
fsr-3388	255	19	.	.	PUNCT
fsr-3388	256	1	financial	financial	ADJ
fsr-3388	256	2	services	service	NOUN
fsr-3388	256	3	review	review	NOUN
fsr-3388	256	4	,	,	PUNCT
fsr-3388	256	5	21(4	21(4	NUM
fsr-3388	256	6	)	)	PUNCT
fsr-3388	256	7	,	,	PUNCT
fsr-3388	256	8	275–290	275–290	NUM
fsr-3388	256	9	.	.	PUNCT
fsr-3388	257	1	drefahl	drefahl	PROPN
fsr-3388	257	2	,	,	PUNCT
fsr-3388	257	3	s.	s.	PROPN
fsr-3388	257	4	(	(	PUNCT
fsr-3388	257	5	2010	2010	NUM
fsr-3388	257	6	)	)	PUNCT
fsr-3388	257	7	.	.	PUNCT
fsr-3388	258	1	how	how	SCONJ
fsr-3388	258	2	does	do	AUX
fsr-3388	258	3	the	the	DET
fsr-3388	258	4	age	age	NOUN
fsr-3388	258	5	gap	gap	NOUN
fsr-3388	258	6	between	between	ADP
fsr-3388	258	7	partners	partner	NOUN
fsr-3388	258	8	affect	affect	VERB
fsr-3388	258	9	their	their	PRON
fsr-3388	258	10	survival	survival	NOUN
fsr-3388	258	11	?	?	PUNCT
fsr-3388	259	1	demography	demography	NOUN
fsr-3388	259	2	,	,	PUNCT
fsr-3388	259	3	47	47	NUM
fsr-3388	259	4	,	,	PUNCT
fsr-3388	259	5	313–326	313–326	NUM
fsr-3388	259	6	.	.	PUNCT
fsr-3388	260	1	elwert	elwert	PROPN
fsr-3388	260	2	,	,	PUNCT
fsr-3388	260	3	f.	f.	PROPN
fsr-3388	260	4	,	,	PUNCT
fsr-3388	260	5	&	&	CCONJ
fsr-3388	260	6	christakis	christakis	PROPN
fsr-3388	260	7	,	,	PUNCT
fsr-3388	260	8	n.	n.	NOUN
fsr-3388	260	9	(	(	PUNCT
fsr-3388	260	10	2008	2008	NUM
fsr-3388	260	11	)	)	PUNCT
fsr-3388	260	12	.	.	PUNCT
fsr-3388	261	1	the	the	DET
fsr-3388	261	2	effect	effect	NOUN
fsr-3388	261	3	of	of	ADP
fsr-3388	261	4	widowhood	widowhood	NOUN
fsr-3388	261	5	on	on	ADP
fsr-3388	261	6	mortality	mortality	NOUN
fsr-3388	261	7	by	by	ADP
fsr-3388	261	8	the	the	DET
fsr-3388	261	9	causes	cause	NOUN
fsr-3388	261	10	of	of	ADP
fsr-3388	261	11	death	death	NOUN
fsr-3388	261	12	of	of	ADP
fsr-3388	261	13	both	both	DET
fsr-3388	261	14	spouses	spouse	NOUN
fsr-3388	261	15	.	.	PUNCT
fsr-3388	262	1	american	american	PROPN
fsr-3388	262	2	journal	journal	PROPN
fsr-3388	262	3	of	of	ADP
fsr-3388	262	4	public	public	ADJ
fsr-3388	262	5	health	health	NOUN
fsr-3388	262	6	,	,	PUNCT
fsr-3388	262	7	98	98	NUM
fsr-3388	262	8	,	,	PUNCT
fsr-3388	262	9	2092–2098	2092–2098	NUM
fsr-3388	262	10	.	.	PUNCT
fsr-3388	263	1	hicks	hicks	PROPN
fsr-3388	263	2	,	,	PUNCT
fsr-3388	263	3	j.	j.	PROPN
fsr-3388	263	4	(	(	PUNCT
fsr-3388	263	5	2013	2013	NUM
fsr-3388	263	6	)	)	PUNCT
fsr-3388	263	7	.	.	PUNCT
fsr-3388	264	1	gop	gop	PROPN
fsr-3388	264	2	plan	plan	NOUN
fsr-3388	264	3	would	would	AUX
fsr-3388	264	4	end	end	VERB
fsr-3388	264	5	defined	define	VERB
fsr-3388	264	6	-	-	PUNCT
fsr-3388	264	7	benefit	benefit	NOUN
fsr-3388	264	8	pension	pension	NOUN
fsr-3388	264	9	for	for	ADP
fsr-3388	264	10	future	future	ADJ
fsr-3388	264	11	feds	fed	NOUN
fsr-3388	264	12	.	.	PUNCT
fsr-3388	265	1	washington	washington	PROPN
fsr-3388	265	2	post	post	PROPN
fsr-3388	265	3	.	.	PUNCT
fsr-3388	266	1	(	(	PUNCT
fsr-3388	266	2	available	available	ADJ
fsr-3388	266	3	at	at	ADP
fsr-3388	266	4	http://www.washingtonpost.com/blogs/federal-eye/wp/2013/11/15/gop-plan-would-end-defined-benefitpension-for-future-feds/	http://www.washingtonpost.com/blogs/federal-eye/wp/2013/11/15/gop-plan-would-end-defined-benefitpension-for-future-feds/	PROPN
fsr-3388	266	5	)	)	PUNCT
fsr-3388	266	6	huffman	huffman	PROPN
fsr-3388	266	7	,	,	PUNCT
fsr-3388	266	8	d.	d.	PROPN
fsr-3388	266	9	,	,	PUNCT
fsr-3388	266	10	maurer	maurer	PROPN
fsr-3388	266	11	,	,	PUNCT
fsr-3388	266	12	r.	r.	PROPN
fsr-3388	266	13	,	,	PUNCT
fsr-3388	266	14	&	&	CCONJ
fsr-3388	266	15	mitchell	mitchell	PROPN
fsr-3388	266	16	,	,	PUNCT
fsr-3388	266	17	o.	o.	PROPN
fsr-3388	266	18	s.	s.	PROPN
fsr-3388	266	19	(	(	PUNCT
fsr-3388	266	20	2016	2016	NUM
fsr-3388	266	21	)	)	PUNCT
fsr-3388	266	22	.	.	PUNCT
fsr-3388	267	1	time	time	NOUN
fsr-3388	267	2	discounting	discount	VERB
fsr-3388	267	3	and	and	CCONJ
fsr-3388	267	4	economic	economic	ADJ
fsr-3388	267	5	decision	decision	NOUN
fsr-3388	267	6	-	-	PUNCT
fsr-3388	267	7	making	making	NOUN
fsr-3388	267	8	among	among	ADP
fsr-3388	267	9	the	the	DET
fsr-3388	267	10	elderly	elderly	ADJ
fsr-3388	267	11	.	.	PUNCT
fsr-3388	268	1	michigan	michigan	PROPN
fsr-3388	268	2	retirement	retirement	PROPN
fsr-3388	268	3	research	research	PROPN
fsr-3388	268	4	center	center	PROPN
fsr-3388	268	5	working	work	VERB
fsr-3388	268	6	paper	paper	NOUN
fsr-3388	268	7	2016–347	2016–347	NOUN
fsr-3388	268	8	.	.	PUNCT
fsr-3388	269	1	isaacs	isaacs	PROPN
fsr-3388	269	2	,	,	PUNCT
fsr-3388	269	3	k.	k.	PROPN
fsr-3388	269	4	p.	p.	PROPN
fsr-3388	269	5	(	(	PUNCT
fsr-3388	269	6	2010	2010	NUM
fsr-3388	269	7	)	)	PUNCT
fsr-3388	269	8	.	.	PUNCT
fsr-3388	270	1	cost	cost	NOUN
fsr-3388	270	2	-	-	PUNCT
fsr-3388	270	3	of	of	ADP
fsr-3388	270	4	-	-	PUNCT
fsr-3388	270	5	living	living	NOUN
fsr-3388	270	6	adjustments	adjustment	NOUN
fsr-3388	270	7	for	for	ADP
fsr-3388	270	8	federal	federal	ADJ
fsr-3388	270	9	civil	civil	ADJ
fsr-3388	270	10	service	service	NOUN
fsr-3388	270	11	annuities	annuity	NOUN
fsr-3388	270	12	:	:	PUNCT
fsr-3388	270	13	94–834	94–834	NUM
fsr-3388	270	14	.	.	PUNCT
fsr-3388	270	15	congressional	congressional	ADJ
fsr-3388	270	16	research	research	NOUN
fsr-3388	270	17	service	service	NOUN
fsr-3388	270	18	:	:	PUNCT
fsr-3388	270	19	report	report	NOUN
fsr-3388	270	20	,	,	PUNCT
fsr-3388	270	21	1–4	1–4	PROPN
fsr-3388	270	22	.	.	PROPN
fsr-3388	270	23	jennings	jennings	PROPN
fsr-3388	270	24	,	,	PUNCT
fsr-3388	270	25	w.	w.	PROPN
fsr-3388	270	26	w.	w.	PROPN
fsr-3388	270	27	,	,	PUNCT
fsr-3388	270	28	merrell	merrell	PROPN
fsr-3388	270	29	,	,	PUNCT
fsr-3388	270	30	j.	j.	PROPN
fsr-3388	270	31	c.	c.	PROPN
fsr-3388	270	32	,	,	PUNCT
fsr-3388	270	33	o’malley	o’malley	PROPN
fsr-3388	270	34	,	,	PUNCT
fsr-3388	270	35	t.	t.	PROPN
fsr-3388	270	36	c.	c.	PROPN
fsr-3388	270	37	,	,	PUNCT
fsr-3388	270	38	&	&	CCONJ
fsr-3388	270	39	payne	payne	PROPN
fsr-3388	270	40	,	,	PUNCT
fsr-3388	270	41	b.	b.	PROPN
fsr-3388	270	42	c.	c.	PROPN
fsr-3388	270	43	(	(	PUNCT
fsr-3388	270	44	2018	2018	NUM
fsr-3388	270	45	)	)	PUNCT
fsr-3388	270	46	.	.	PUNCT
fsr-3388	271	1	a	a	DET
fsr-3388	271	2	framework	framework	NOUN
fsr-3388	271	3	for	for	ADP
fsr-3388	271	4	analyzing	analyze	VERB
fsr-3388	271	5	defined	define	VERB
fsr-3388	271	6	benefit	benefit	NOUN
fsr-3388	271	7	pension	pension	NOUN
fsr-3388	271	8	insurance	insurance	NOUN
fsr-3388	271	9	:	:	PUNCT
fsr-3388	271	10	the	the	DET
fsr-3388	271	11	survivor	survivor	NOUN
fsr-3388	271	12	benefit	benefit	NOUN
fsr-3388	271	13	plan	plan	NOUN
fsr-3388	271	14	for	for	ADP
fsr-3388	271	15	veterans	veteran	NOUN
fsr-3388	271	16	.	.	PUNCT
fsr-3388	272	1	finacial	finacial	PROPN
fsr-3388	272	2	services	service	NOUN
fsr-3388	272	3	review	review	PROPN
fsr-3388	272	4	,	,	PUNCT
fsr-3388	272	5	27	27	NUM
fsr-3388	272	6	,	,	PUNCT
fsr-3388	272	7	xxx	xxx	NOUN
fsr-3388	272	8	-	-	PUNCT
fsr-3388	272	9	xxx	xxx	PROPN
fsr-3388	272	10	.	.	PUNCT
fsr-3388	273	1	jennings	jennings	PROPN
fsr-3388	273	2	,	,	PUNCT
fsr-3388	273	3	w.	w.	PROPN
fsr-3388	273	4	w.	w.	PROPN
fsr-3388	273	5	,	,	PUNCT
fsr-3388	273	6	&	&	CCONJ
fsr-3388	273	7	reichenstein	reichenstein	PROPN
fsr-3388	273	8	,	,	PUNCT
fsr-3388	273	9	w.	w.	PROPN
fsr-3388	273	10	r.	r.	PROPN
fsr-3388	273	11	(	(	PUNCT
fsr-3388	273	12	2001	2001	NUM
fsr-3388	273	13	)	)	PUNCT
fsr-3388	273	14	.	.	PUNCT
fsr-3388	274	1	the	the	DET
fsr-3388	274	2	value	value	NOUN
fsr-3388	274	3	of	of	ADP
fsr-3388	274	4	retirement	retirement	NOUN
fsr-3388	274	5	income	income	NOUN
fsr-3388	274	6	streams	stream	NOUN
fsr-3388	274	7	:	:	PUNCT
fsr-3388	274	8	the	the	DET
fsr-3388	274	9	value	value	NOUN
fsr-3388	274	10	of	of	ADP
fsr-3388	274	11	military	military	ADJ
fsr-3388	274	12	retirement	retirement	NOUN
fsr-3388	274	13	.	.	PUNCT
fsr-3388	275	1	financial	financial	ADJ
fsr-3388	275	2	services	service	NOUN
fsr-3388	275	3	review	review	PROPN
fsr-3388	275	4	,	,	PUNCT
fsr-3388	275	5	10	10	NUM
fsr-3388	275	6	,	,	PUNCT
fsr-3388	275	7	19–35	19–35	NUM
fsr-3388	275	8	.	.	PUNCT
fsr-3388	276	1	145k	145k	NOUN
fsr-3388	276	2	.	.	PUNCT
fsr-3388	277	1	davis	davis	PROPN
fsr-3388	277	2	et	et	PROPN
fsr-3388	277	3	al	al	PROPN
fsr-3388	277	4	.	.	PUNCT
fsr-3388	277	5	/	/	SYM
fsr-3388	277	6	financial	financial	ADJ
fsr-3388	277	7	services	service	NOUN
fsr-3388	277	8	review	review	VERB
fsr-3388	277	9	27	27	NUM
fsr-3388	277	10	(	(	PUNCT
fsr-3388	277	11	2018	2018	NUM
fsr-3388	277	12	)	)	PUNCT
fsr-3388	277	13	133	133	NUM
fsr-3388	277	14	-	-	SYM
fsr-3388	277	15	146	146	NUM
fsr-3388	277	16	jennings	jenning	NOUN
fsr-3388	277	17	,	,	PUNCT
fsr-3388	277	18	w.	w.	PROPN
fsr-3388	277	19	w.	w.	PROPN
fsr-3388	277	20	,	,	PUNCT
fsr-3388	277	21	&	&	CCONJ
fsr-3388	277	22	reichenstein	reichenstein	PROPN
fsr-3388	277	23	,	,	PUNCT
fsr-3388	277	24	w.	w.	PROPN
fsr-3388	277	25	r.	r.	PROPN
fsr-3388	277	26	(	(	PUNCT
fsr-3388	277	27	2003	2003	NUM
fsr-3388	277	28	)	)	PUNCT
fsr-3388	277	29	.	.	PUNCT
fsr-3388	278	1	valuing	value	VERB
fsr-3388	278	2	defined	define	VERB
fsr-3388	278	3	-	-	PUNCT
fsr-3388	278	4	benefit	benefit	NOUN
fsr-3388	278	5	plans	plan	NOUN
fsr-3388	278	6	.	.	PUNCT
fsr-3388	279	1	financial	financial	ADJ
fsr-3388	279	2	services	service	NOUN
fsr-3388	279	3	review	review	PROPN
fsr-3388	279	4	,	,	PUNCT
fsr-3388	279	5	12	12	NUM
fsr-3388	279	6	,	,	PUNCT
fsr-3388	279	7	179–199	179–199	NUM
fsr-3388	279	8	.	.	PUNCT
fsr-3388	280	1	kahneman	kahneman	PROPN
fsr-3388	280	2	,	,	PUNCT
fsr-3388	280	3	d.	d.	PROPN
fsr-3388	280	4	,	,	PUNCT
fsr-3388	280	5	&	&	CCONJ
fsr-3388	280	6	tversky	tversky	PROPN
fsr-3388	280	7	,	,	PUNCT
fsr-3388	280	8	a.	a.	NOUN
fsr-3388	280	9	(	(	PUNCT
fsr-3388	280	10	1979	1979	NUM
fsr-3388	280	11	)	)	PUNCT
fsr-3388	280	12	.	.	PUNCT
fsr-3388	281	1	prospect	prospect	PROPN
fsr-3388	281	2	theory	theory	NOUN
fsr-3388	281	3	:	:	PUNCT
fsr-3388	281	4	an	an	DET
fsr-3388	281	5	analysis	analysis	NOUN
fsr-3388	281	6	of	of	ADP
fsr-3388	281	7	decision	decision	NOUN
fsr-3388	281	8	under	under	ADP
fsr-3388	281	9	risk	risk	NOUN
fsr-3388	281	10	.	.	PUNCT
fsr-3388	282	1	econometrica	econometrica	PROPN
fsr-3388	282	2	47(2	47(2	PROPN
fsr-3388	282	3	)	)	PUNCT
fsr-3388	282	4	,	,	PUNCT
fsr-3388	282	5	263–292	263–292	NUM
fsr-3388	282	6	.	.	PUNCT
fsr-3388	283	1	martikainen	martikainen	NOUN
fsr-3388	283	2	,	,	PUNCT
fsr-3388	283	3	p.	p.	PROPN
fsr-3388	283	4	,	,	PUNCT
fsr-3388	283	5	&	&	CCONJ
fsr-3388	283	6	volkonen	volkonen	PROPN
fsr-3388	283	7	,	,	PUNCT
fsr-3388	283	8	t.	t.	PROPN
fsr-3388	283	9	(	(	PUNCT
fsr-3388	283	10	1996	1996	NUM
fsr-3388	283	11	)	)	PUNCT
fsr-3388	283	12	.	.	PUNCT
fsr-3388	284	1	mortality	mortality	NOUN
fsr-3388	284	2	after	after	ADP
fsr-3388	284	3	the	the	DET
fsr-3388	284	4	death	death	NOUN
fsr-3388	284	5	of	of	ADP
fsr-3388	284	6	a	a	DET
fsr-3388	284	7	spouse	spouse	NOUN
fsr-3388	284	8	:	:	PUNCT
fsr-3388	284	9	rates	rate	NOUN
fsr-3388	284	10	and	and	CCONJ
fsr-3388	284	11	causes	cause	NOUN
fsr-3388	284	12	of	of	ADP
fsr-3388	284	13	death	death	NOUN
fsr-3388	284	14	in	in	ADP
fsr-3388	284	15	a	a	DET
fsr-3388	284	16	large	large	ADJ
fsr-3388	284	17	finnish	finnish	ADJ
fsr-3388	284	18	cohort	cohort	NOUN
fsr-3388	284	19	.	.	PUNCT
fsr-3388	285	1	american	american	PROPN
fsr-3388	285	2	journal	journal	PROPN
fsr-3388	285	3	of	of	ADP
fsr-3388	285	4	public	public	ADJ
fsr-3388	285	5	health	health	NOUN
fsr-3388	285	6	,	,	PUNCT
fsr-3388	285	7	86	86	NUM
fsr-3388	285	8	,	,	PUNCT
fsr-3388	285	9	1087–1093	1087–1093	NUM
fsr-3388	285	10	.	.	PUNCT
fsr-3388	286	1	matthews	matthews	PROPN
fsr-3388	286	2	,	,	PUNCT
fsr-3388	286	3	j.	j.	PROPN
fsr-3388	286	4	l.	l.	PROPN
fsr-3388	286	5	,	,	PUNCT
fsr-3388	286	6	&	&	CCONJ
fsr-3388	286	7	berman	berman	PROPN
fsr-3388	286	8	,	,	PUNCT
fsr-3388	286	9	d.	d.	PROPN
fsr-3388	286	10	m.	m.	PROPN
fsr-3388	286	11	(	(	PUNCT
fsr-3388	286	12	2008	2008	NUM
fsr-3388	286	13	)	)	PUNCT
fsr-3388	286	14	.	.	PUNCT
fsr-3388	287	1	social	social	ADJ
fsr-3388	287	2	security	security	NOUN
fsr-3388	287	3	,	,	PUNCT
fsr-3388	287	4	medicare	medicare	PROPN
fsr-3388	287	5	&	&	CCONJ
fsr-3388	287	6	government	government	NOUN
fsr-3388	287	7	pensions	pension	NOUN
fsr-3388	287	8	(	(	PUNCT
fsr-3388	287	9	13th	13th	NOUN
fsr-3388	287	10	ed	ed	NOUN
fsr-3388	287	11	.	.	PUNCT
fsr-3388	287	12	)	)	PUNCT
fsr-3388	287	13	.	.	PUNCT
fsr-3388	288	1	berkeley	berkeley	PROPN
fsr-3388	288	2	,	,	PUNCT
fsr-3388	288	3	ca	ca	PROPN
fsr-3388	288	4	:	:	PUNCT
fsr-3388	288	5	nolo	nolo	PROPN
fsr-3388	288	6	.	.	PUNCT
fsr-3388	288	7	milevsky	milevsky	PROPN
fsr-3388	288	8	,	,	PUNCT
fsr-3388	288	9	m.	m.	NOUN
fsr-3388	288	10	a.	a.	NOUN
fsr-3388	288	11	(	(	PUNCT
fsr-3388	288	12	2006	2006	NUM
fsr-3388	288	13	)	)	PUNCT
fsr-3388	288	14	.	.	PUNCT
fsr-3388	289	1	the	the	DET
fsr-3388	289	2	calculus	calculus	NOUN
fsr-3388	289	3	of	of	ADP
fsr-3388	289	4	retirement	retirement	NOUN
fsr-3388	289	5	income	income	NOUN
fsr-3388	289	6	:	:	PUNCT
fsr-3388	289	7	financial	financial	ADJ
fsr-3388	289	8	models	model	NOUN
fsr-3388	289	9	for	for	ADP
fsr-3388	289	10	pension	pension	NOUN
fsr-3388	289	11	annuities	annuity	NOUN
fsr-3388	289	12	and	and	CCONJ
fsr-3388	289	13	life	life	NOUN
fsr-3388	289	14	insurance	insurance	NOUN
fsr-3388	289	15	.	.	PUNCT
fsr-3388	290	1	new	new	PROPN
fsr-3388	290	2	york	york	PROPN
fsr-3388	290	3	,	,	PUNCT
fsr-3388	290	4	ny	ny	PROPN
fsr-3388	290	5	:	:	PUNCT
fsr-3388	290	6	cambridge	cambridge	PROPN
fsr-3388	290	7	university	university	PROPN
fsr-3388	290	8	press	press	NOUN
fsr-3388	290	9	.	.	PUNCT
fsr-3388	291	1	neimann	neimann	PROPN
fsr-3388	291	2	,	,	PUNCT
fsr-3388	291	3	s.	s.	PROPN
fsr-3388	291	4	,	,	PUNCT
fsr-3388	291	5	dortmund	dortmund	PROPN
fsr-3388	291	6	,	,	PUNCT
fsr-3388	291	7	t.	t.	PROPN
fsr-3388	291	8	,	,	PUNCT
fsr-3388	291	9	&	&	CCONJ
fsr-3388	291	10	james	james	PROPN
fsr-3388	291	11	,	,	PUNCT
fsr-3388	291	12	j.	j.	PROPN
fsr-3388	291	13	(	(	PUNCT
fsr-3388	291	14	2010	2010	NUM
fsr-3388	291	15	)	)	PUNCT
fsr-3388	291	16	.	.	PUNCT
fsr-3388	292	1	honey	honey	NOUN
fsr-3388	292	2	,	,	PUNCT
fsr-3388	292	3	why	why	SCONJ
fsr-3388	292	4	do	do	AUX
fsr-3388	292	5	n’t	not	PART
fsr-3388	292	6	you	you	PRON
fsr-3388	292	7	see	see	VERB
fsr-3388	292	8	a	a	DET
fsr-3388	292	9	doctor	doctor	NOUN
fsr-3388	292	10	?	?	PUNCT
fsr-3388	293	1	proceedings	proceeding	NOUN
fsr-3388	293	2	,	,	PUNCT
fsr-3388	293	3	royal	royal	ADJ
fsr-3388	293	4	economic	economic	ADJ
fsr-3388	293	5	society	society	NOUN
fsr-3388	293	6	annual	annual	ADJ
fsr-3388	293	7	conference	conference	NOUN
fsr-3388	293	8	.	.	PUNCT
fsr-3388	294	1	olshansky	olshansky	PROPN
fsr-3388	294	2	,	,	PUNCT
fsr-3388	294	3	s.	s.	PROPN
fsr-3388	294	4	j.	j.	PROPN
fsr-3388	294	5	,	,	PUNCT
fsr-3388	294	6	antonucci	antonucci	PROPN
fsr-3388	294	7	,	,	PUNCT
fsr-3388	294	8	t.	t.	PROPN
fsr-3388	294	9	,	,	PUNCT
fsr-3388	294	10	berkman	berkman	PROPN
fsr-3388	294	11	,	,	PUNCT
fsr-3388	294	12	l.	l.	PROPN
fsr-3388	294	13	,	,	PUNCT
fsr-3388	294	14	binstock	binstock	NOUN
fsr-3388	294	15	,	,	PUNCT
fsr-3388	294	16	r.	r.	PROPN
fsr-3388	294	17	h.	h.	PROPN
fsr-3388	294	18	,	,	PUNCT
fsr-3388	294	19	boersch	boersch	PROPN
fsr-3388	294	20	-	-	PUNCT
fsr-3388	294	21	supan	supan	NOUN
fsr-3388	294	22	,	,	PUNCT
fsr-3388	294	23	a.	a.	NOUN
fsr-3388	294	24	,	,	PUNCT
fsr-3388	294	25	cacioppo	cacioppo	PROPN
fsr-3388	294	26	,	,	PUNCT
fsr-3388	294	27	j.	j.	PROPN
fsr-3388	294	28	t.	t.	PROPN
fsr-3388	294	29	,	,	PUNCT
fsr-3388	294	30	carnes	carnes	PROPN
fsr-3388	294	31	,	,	PUNCT
fsr-3388	294	32	b.	b.	PROPN
fsr-3388	294	33	a.	a.	PROPN
fsr-3388	294	34	,	,	PUNCT
fsr-3388	294	35	carstensen	carstensen	NOUN
fsr-3388	294	36	,	,	PUNCT
fsr-3388	294	37	l.	l.	PROPN
fsr-3388	294	38	l.	l.	PROPN
fsr-3388	294	39	,	,	PUNCT
fsr-3388	294	40	fried	fry	VERB
fsr-3388	294	41	,	,	PUNCT
fsr-3388	294	42	l.	l.	PROPN
fsr-3388	294	43	p.	p.	PROPN
fsr-3388	294	44	,	,	PUNCT
fsr-3388	294	45	goldman	goldman	PROPN
fsr-3388	294	46	,	,	PUNCT
fsr-3388	294	47	d.	d.	PROPN
fsr-3388	294	48	p.	p.	PROPN
fsr-3388	294	49	,	,	PUNCT
fsr-3388	295	1	jackson	jackson	PROPN
fsr-3388	295	2	,	,	PUNCT
fsr-3388	295	3	j.	j.	PROPN
fsr-3388	295	4	,	,	PUNCT
fsr-3388	295	5	kohli	kohli	PROPN
fsr-3388	295	6	,	,	PUNCT
fsr-3388	295	7	m.	m.	NOUN
fsr-3388	295	8	,	,	PUNCT
fsr-3388	295	9	rother	rother	PROPN
fsr-3388	295	10	,	,	PUNCT
fsr-3388	295	11	j.	j.	PROPN
fsr-3388	295	12	,	,	PUNCT
fsr-3388	295	13	zheng	zheng	PROPN
fsr-3388	295	14	,	,	PUNCT
fsr-3388	295	15	y.	y.	PROPN
fsr-3388	295	16	,	,	PUNCT
fsr-3388	295	17	&	&	CCONJ
fsr-3388	295	18	rowe	rowe	PROPN
fsr-3388	295	19	,	,	PUNCT
fsr-3388	295	20	j.	j.	PROPN
fsr-3388	295	21	(	(	PUNCT
fsr-3388	295	22	2012	2012	NUM
fsr-3388	295	23	)	)	PUNCT
fsr-3388	295	24	.	.	PUNCT
fsr-3388	296	1	differences	difference	NOUN
fsr-3388	296	2	in	in	ADP
fsr-3388	296	3	life	life	NOUN
fsr-3388	296	4	expectancy	expectancy	NOUN
fsr-3388	296	5	due	due	ADP
fsr-3388	296	6	to	to	ADP
fsr-3388	296	7	race	race	NOUN
fsr-3388	296	8	and	and	CCONJ
fsr-3388	296	9	educational	educational	ADJ
fsr-3388	296	10	differences	difference	NOUN
fsr-3388	296	11	are	be	AUX
fsr-3388	296	12	widening	widen	VERB
fsr-3388	296	13	.	.	PUNCT
fsr-3388	297	1	health	health	NOUN
fsr-3388	297	2	affairs	affair	NOUN
fsr-3388	297	3	,	,	PUNCT
fsr-3388	297	4	31	31	NUM
fsr-3388	297	5	,	,	PUNCT
fsr-3388	297	6	1803–1813	1803–1813	NUM
fsr-3388	297	7	.	.	PUNCT
fsr-3388	298	1	purcell	purcell	PROPN
fsr-3388	298	2	,	,	PUNCT
fsr-3388	298	3	p.	p.	PROPN
fsr-3388	298	4	j.	j.	PROPN
fsr-3388	298	5	(	(	PUNCT
fsr-3388	298	6	2009	2009	NUM
fsr-3388	298	7	)	)	PUNCT
fsr-3388	298	8	.	.	PUNCT
fsr-3388	299	1	survivor	survivor	NOUN
fsr-3388	299	2	benefits	benefit	NOUN
fsr-3388	299	3	for	for	ADP
fsr-3388	299	4	families	family	NOUN
fsr-3388	299	5	of	of	ADP
fsr-3388	299	6	civilian	civilian	ADJ
fsr-3388	299	7	federal	federal	ADJ
fsr-3388	299	8	employees	employee	NOUN
fsr-3388	299	9	and	and	CCONJ
fsr-3388	299	10	retirees	retiree	NOUN
fsr-3388	299	11	.	.	PUNCT
fsr-3388	300	1	journal	journal	PROPN
fsr-3388	300	2	of	of	ADP
fsr-3388	300	3	pension	pension	NOUN
fsr-3388	300	4	planning	planning	NOUN
fsr-3388	300	5	and	and	CCONJ
fsr-3388	300	6	compliance	compliance	NOUN
fsr-3388	300	7	,	,	PUNCT
fsr-3388	300	8	34	34	NUM
fsr-3388	300	9	,	,	PUNCT
fsr-3388	300	10	69–77	69–77	NUM
fsr-3388	300	11	.	.	PUNCT
fsr-3388	301	1	siegel	siegel	PROPN
fsr-3388	301	2	,	,	PUNCT
fsr-3388	301	3	j.	j.	PROPN
fsr-3388	301	4	j.	j.	PROPN
fsr-3388	301	5	(	(	PUNCT
fsr-3388	301	6	2014	2014	NUM
fsr-3388	301	7	)	)	PUNCT
fsr-3388	301	8	.	.	PUNCT
fsr-3388	302	1	stocks	stock	NOUN
fsr-3388	302	2	for	for	ADP
fsr-3388	302	3	the	the	DET
fsr-3388	302	4	long	long	ADJ
fsr-3388	302	5	run	run	NOUN
fsr-3388	302	6	(	(	PUNCT
fsr-3388	302	7	5th	5th	ADJ
fsr-3388	302	8	ed	ed	NOUN
fsr-3388	302	9	.	.	PUNCT
fsr-3388	302	10	)	)	PUNCT
fsr-3388	302	11	.	.	PUNCT
fsr-3388	303	1	new	new	PROPN
fsr-3388	303	2	york	york	PROPN
fsr-3388	303	3	,	,	PUNCT
fsr-3388	303	4	ny	ny	PROPN
fsr-3388	303	5	:	:	PUNCT
fsr-3388	303	6	mcgraw	mcgraw	PROPN
fsr-3388	303	7	-	-	PUNCT
fsr-3388	303	8	hill	hill	PROPN
fsr-3388	303	9	.	.	PUNCT
fsr-3388	304	1	stoller	stoller	PROPN
fsr-3388	304	2	,	,	PUNCT
fsr-3388	304	3	m.	m.	NOUN
fsr-3388	304	4	a.	a.	NOUN
fsr-3388	304	5	(	(	PUNCT
fsr-3388	304	6	1992	1992	NUM
fsr-3388	304	7	)	)	PUNCT
fsr-3388	304	8	.	.	PUNCT
fsr-3388	305	1	estimating	estimate	VERB
fsr-3388	305	2	the	the	DET
fsr-3388	305	3	present	present	ADJ
fsr-3388	305	4	value	value	NOUN
fsr-3388	305	5	of	of	ADP
fsr-3388	305	6	pensions	pension	NOUN
fsr-3388	305	7	:	:	PUNCT
fsr-3388	305	8	why	why	SCONJ
fsr-3388	305	9	different	different	ADJ
fsr-3388	305	10	estimators	estimator	NOUN
fsr-3388	305	11	get	get	VERB
fsr-3388	305	12	varying	vary	VERB
fsr-3388	305	13	results	result	NOUN
fsr-3388	305	14	.	.	PUNCT
fsr-3388	306	1	journal	journal	NOUN
fsr-3388	306	2	of	of	ADP
fsr-3388	306	3	legal	legal	ADJ
fsr-3388	306	4	economics	economic	NOUN
fsr-3388	306	5	,	,	PUNCT
fsr-3388	306	6	2	2	NUM
fsr-3388	306	7	,	,	PUNCT
fsr-3388	306	8	49–61	49–61	NUM
fsr-3388	306	9	.	.	PUNCT
fsr-3388	307	1	thaler	thaler	PROPN
fsr-3388	307	2	,	,	PUNCT
fsr-3388	307	3	r.	r.	PROPN
fsr-3388	307	4	h.	h.	PROPN
fsr-3388	307	5	,	,	PUNCT
fsr-3388	307	6	&	&	CCONJ
fsr-3388	307	7	sunstein	sunstein	PROPN
fsr-3388	307	8	,	,	PUNCT
fsr-3388	307	9	c.	c.	PROPN
fsr-3388	307	10	r.	r.	PROPN
fsr-3388	307	11	(	(	PUNCT
fsr-3388	307	12	2009	2009	NUM
fsr-3388	307	13	)	)	PUNCT
fsr-3388	307	14	.	.	PUNCT
fsr-3388	308	1	nudge	nudge	VERB
fsr-3388	308	2	:	:	PUNCT
fsr-3388	308	3	improving	improve	VERB
fsr-3388	308	4	decisions	decision	NOUN
fsr-3388	308	5	about	about	ADP
fsr-3388	308	6	health	health	NOUN
fsr-3388	308	7	,	,	PUNCT
fsr-3388	308	8	wealth	wealth	NOUN
fsr-3388	308	9	and	and	CCONJ
fsr-3388	308	10	happiness	happiness	NOUN
fsr-3388	308	11	.	.	PUNCT
fsr-3388	309	1	new	new	PROPN
fsr-3388	309	2	york	york	PROPN
fsr-3388	309	3	,	,	PUNCT
fsr-3388	309	4	ny	ny	PROPN
fsr-3388	309	5	:	:	PUNCT
fsr-3388	309	6	penguin	penguin	NOUN
fsr-3388	309	7	books	book	NOUN
fsr-3388	309	8	.	.	PUNCT
fsr-3388	310	1	146	146	NUM
fsr-3388	310	2	k.	k.	PROPN
fsr-3388	310	3	davis	davis	PROPN
fsr-3388	310	4	et	et	PROPN
fsr-3388	310	5	al	al	PROPN
fsr-3388	310	6	.	.	PUNCT
fsr-3388	310	7	/	/	SYM
fsr-3388	310	8	financial	financial	ADJ
fsr-3388	310	9	services	service	NOUN
fsr-3388	310	10	review	review	VERB
fsr-3388	310	11	27	27	NUM
fsr-3388	310	12	(	(	PUNCT
fsr-3388	310	13	2018	2018	NUM
fsr-3388	310	14	)	)	PUNCT
fsr-3388	310	15	133	133	NUM
fsr-3388	310	16	-	-	SYM
fsr-3388	310	17	146	146	NUM