id	sid	tid	token	lemma	pos
fsr-3389	1	1	a	a	DET
fsr-3389	1	2	framework	framework	NOUN
fsr-3389	1	3	for	for	ADP
fsr-3389	1	4	analyzing	analyze	VERB
fsr-3389	1	5	defined	define	VERB
fsr-3389	1	6	benefit	benefit	NOUN
fsr-3389	1	7	pension	pension	NOUN
fsr-3389	1	8	insurance	insurance	NOUN
fsr-3389	1	9	:	:	PUNCT
fsr-3389	1	10	the	the	DET
fsr-3389	1	11	survivor	survivor	NOUN
fsr-3389	1	12	benefit	benefit	NOUN
fsr-3389	1	13	plan	plan	NOUN
fsr-3389	1	14	for	for	ADP
fsr-3389	1	15	veterans	veterans	PROPN
fsr-3389	1	16	william	william	PROPN
fsr-3389	1	17	w.	w.	PROPN
fsr-3389	1	18	jenningsa	jenningsa	PROPN
fsr-3389	1	19	,	,	PUNCT
fsr-3389	1	20	jeffrey	jeffrey	PROPN
fsr-3389	1	21	c.	c.	PROPN
fsr-3389	1	22	merrellb	merrellb	PROPN
fsr-3389	1	23	,	,	PUNCT
fsr-3389	1	24	thomas	thomas	PROPN
fsr-3389	1	25	c.	c.	PROPN
fsr-3389	1	26	o’malleyc	o’malleyc	PROPN
fsr-3389	1	27	,	,	PUNCT
fsr-3389	1	28	brian	brian	PROPN
fsr-3389	1	29	c.	c.	PROPN
fsr-3389	1	30	payned	payne	VERB
fsr-3389	1	31	,	,	PUNCT
fsr-3389	1	32	*	*	PUNCT
fsr-3389	1	33	adepartment	adepartment	NOUN
fsr-3389	1	34	of	of	ADP
fsr-3389	1	35	management	management	NOUN
fsr-3389	1	36	,	,	PUNCT
fsr-3389	1	37	united	united	PROPN
fsr-3389	1	38	states	states	PROPN
fsr-3389	1	39	air	air	PROPN
fsr-3389	1	40	force	force	PROPN
fsr-3389	1	41	academy	academy	PROPN
fsr-3389	1	42	,	,	PUNCT
fsr-3389	1	43	co	co	VERB
fsr-3389	1	44	80840	80840	NUM
fsr-3389	1	45	,	,	PUNCT
fsr-3389	1	46	usa	usa	PROPN
fsr-3389	1	47	bleeds	bleed	VERB
fsr-3389	1	48	school	school	NOUN
fsr-3389	1	49	of	of	ADP
fsr-3389	1	50	business	business	NOUN
fsr-3389	1	51	,	,	PUNCT
fsr-3389	1	52	university	university	NOUN
fsr-3389	1	53	of	of	ADP
fsr-3389	1	54	colorado	colorado	PROPN
fsr-3389	1	55	,	,	PUNCT
fsr-3389	1	56	995	995	NUM
fsr-3389	1	57	regent	regent	ADJ
fsr-3389	1	58	drive	drive	NOUN
fsr-3389	1	59	,	,	PUNCT
fsr-3389	1	60	boulder	boulder	NOUN
fsr-3389	1	61	,	,	PUNCT
fsr-3389	1	62	co	co	NOUN
fsr-3389	1	63	80309	80309	NUM
fsr-3389	1	64	,	,	PUNCT
fsr-3389	1	65	usa	usa	PROPN
fsr-3389	1	66	cdepartment	cdepartment	PROPN
fsr-3389	1	67	of	of	ADP
fsr-3389	1	68	management	management	NOUN
fsr-3389	1	69	,	,	PUNCT
fsr-3389	1	70	united	united	PROPN
fsr-3389	1	71	states	states	PROPN
fsr-3389	1	72	air	air	PROPN
fsr-3389	1	73	force	force	PROPN
fsr-3389	1	74	academy	academy	PROPN
fsr-3389	1	75	,	,	PUNCT
fsr-3389	1	76	co	co	VERB
fsr-3389	1	77	80840	80840	NUM
fsr-3389	1	78	,	,	PUNCT
fsr-3389	1	79	usa	usa	PROPN
fsr-3389	1	80	dcollege	dcollege	NOUN
fsr-3389	1	81	of	of	ADP
fsr-3389	1	82	business	business	NOUN
fsr-3389	1	83	,	,	PUNCT
fsr-3389	1	84	university	university	NOUN
fsr-3389	1	85	of	of	ADP
fsr-3389	1	86	colorado	colorado	PROPN
fsr-3389	1	87	-	-	PUNCT
fsr-3389	1	88	colorado	colorado	NOUN
fsr-3389	1	89	springs	spring	NOUN
fsr-3389	1	90	,	,	PUNCT
fsr-3389	1	91	1420	1420	NUM
fsr-3389	1	92	austin	austin	PROPN
fsr-3389	1	93	bluffs	bluffs	PROPN
fsr-3389	1	94	parkway	parkway	PROPN
fsr-3389	1	95	,	,	PUNCT
fsr-3389	1	96	colorado	colorado	PROPN
fsr-3389	1	97	springs	spring	NOUN
fsr-3389	1	98	,	,	PUNCT
fsr-3389	1	99	co	co	NOUN
fsr-3389	1	100	80918	80918	NUM
fsr-3389	1	101	,	,	PUNCT
fsr-3389	1	102	usa	usa	PROPN
fsr-3389	1	103	abstract	abstract	ADJ
fsr-3389	1	104	millions	million	NOUN
fsr-3389	1	105	of	of	ADP
fsr-3389	1	106	defined	define	VERB
fsr-3389	1	107	benefit	benefit	NOUN
fsr-3389	1	108	pensioners	pensioner	NOUN
fsr-3389	1	109	must	must	AUX
fsr-3389	1	110	select	select	VERB
fsr-3389	1	111	a	a	DET
fsr-3389	1	112	pension	pension	NOUN
fsr-3389	1	113	insurance	insurance	NOUN
fsr-3389	1	114	method	method	NOUN
fsr-3389	1	115	.	.	PUNCT
fsr-3389	2	1	we	we	PRON
fsr-3389	2	2	present	present	VERB
fsr-3389	2	3	a	a	DET
fsr-3389	2	4	framework	framework	NOUN
fsr-3389	2	5	for	for	ADP
fsr-3389	2	6	making	make	VERB
fsr-3389	2	7	this	this	DET
fsr-3389	2	8	decision	decision	NOUN
fsr-3389	2	9	within	within	ADP
fsr-3389	2	10	the	the	DET
fsr-3389	2	11	context	context	NOUN
fsr-3389	2	12	of	of	ADP
fsr-3389	2	13	u.s	u.s	PROPN
fsr-3389	2	14	.	.	PROPN
fsr-3389	2	15	military	military	ADJ
fsr-3389	2	16	veterans	veteran	NOUN
fsr-3389	2	17	’	’	PART
fsr-3389	2	18	survivor	survivor	NOUN
fsr-3389	2	19	benefit	benefit	NOUN
fsr-3389	2	20	plan	plan	NOUN
fsr-3389	2	21	(	(	PUNCT
fsr-3389	2	22	sbp	sbp	NOUN
fsr-3389	2	23	)	)	PUNCT
fsr-3389	2	24	.	.	PUNCT
fsr-3389	3	1	federal	federal	ADJ
fsr-3389	3	2	government	government	NOUN
fsr-3389	3	3	subsidies	subsidy	NOUN
fsr-3389	3	4	generate	generate	VERB
fsr-3389	3	5	a	a	DET
fsr-3389	3	6	positive	positive	ADJ
fsr-3389	3	7	expected	expect	VERB
fsr-3389	3	8	net	net	ADJ
fsr-3389	3	9	payout	payout	NOUN
fsr-3389	3	10	for	for	ADP
fsr-3389	3	11	sbp	sbp	NOUN
fsr-3389	3	12	.	.	PUNCT
fsr-3389	4	1	while	while	SCONJ
fsr-3389	4	2	insurance	insurance	NOUN
fsr-3389	4	3	outcomes	outcome	NOUN
fsr-3389	4	4	are	be	AUX
fsr-3389	4	5	typically	typically	ADV
fsr-3389	4	6	skewed	skewed	ADJ
fsr-3389	4	7	,	,	PUNCT
fsr-3389	4	8	the	the	DET
fsr-3389	4	9	asymmetry	asymmetry	NOUN
fsr-3389	4	10	of	of	ADP
fsr-3389	4	11	sbp	sbp	NOUN
fsr-3389	4	12	outcomes	outcome	NOUN
fsr-3389	4	13	is	be	AUX
fsr-3389	4	14	stark	stark	ADJ
fsr-3389	4	15	.	.	PUNCT
fsr-3389	5	1	in	in	ADP
fsr-3389	5	2	a	a	DET
fsr-3389	5	3	common	common	ADJ
fsr-3389	5	4	scenario	scenario	NOUN
fsr-3389	5	5	,	,	PUNCT
fsr-3389	5	6	five	five	NUM
fsr-3389	5	7	percent	percent	NOUN
fsr-3389	5	8	of	of	ADP
fsr-3389	5	9	participants	participant	NOUN
fsr-3389	5	10	receive	receive	VERB
fsr-3389	5	11	60	60	NUM
fsr-3389	5	12	%	%	NOUN
fsr-3389	5	13	of	of	ADP
fsr-3389	5	14	benefits	benefit	NOUN
fsr-3389	5	15	.	.	PUNCT
fsr-3389	6	1	an	an	DET
fsr-3389	6	2	alternative	alternative	ADJ
fsr-3389	6	3	financial	financial	ADJ
fsr-3389	6	4	planning	planning	NOUN
fsr-3389	6	5	approach	approach	NOUN
fsr-3389	6	6	incorporates	incorporate	VERB
fsr-3389	6	7	private	private	ADJ
fsr-3389	6	8	insurance	insurance	NOUN
fsr-3389	6	9	and	and	CCONJ
fsr-3389	6	10	investments	investment	NOUN
fsr-3389	6	11	and	and	CCONJ
fsr-3389	6	12	often	often	ADV
fsr-3389	6	13	bests	best	VERB
fsr-3389	6	14	the	the	DET
fsr-3389	6	15	sbp	sbp	NOUN
fsr-3389	6	16	.	.	PUNCT
fsr-3389	7	1	actuarially	actuarially	ADV
fsr-3389	7	2	correct	correct	ADJ
fsr-3389	7	3	life	life	NOUN
fsr-3389	7	4	expectancy	expectancy	NOUN
fsr-3389	7	5	,	,	PUNCT
fsr-3389	7	6	moral	moral	ADJ
fsr-3389	7	7	hazard	hazard	NOUN
fsr-3389	7	8	,	,	PUNCT
fsr-3389	7	9	taxes	taxis	NOUN
fsr-3389	7	10	,	,	PUNCT
fsr-3389	7	11	and	and	CCONJ
fsr-3389	7	12	individual	individual	ADJ
fsr-3389	7	13	financial	financial	ADJ
fsr-3389	7	14	needs	need	NOUN
fsr-3389	7	15	all	all	PRON
fsr-3389	7	16	play	play	VERB
fsr-3389	7	17	important	important	ADJ
fsr-3389	7	18	roles	role	NOUN
fsr-3389	7	19	in	in	ADP
fsr-3389	7	20	selecting	select	VERB
fsr-3389	7	21	a	a	DET
fsr-3389	7	22	pension	pension	NOUN
fsr-3389	7	23	insurance	insurance	NOUN
fsr-3389	7	24	program	program	NOUN
fsr-3389	7	25	.	.	PUNCT
fsr-3389	8	1	©	©	PROPN
fsr-3389	8	2	2018	2018	NUM
fsr-3389	8	3	academy	academy	NOUN
fsr-3389	8	4	of	of	ADP
fsr-3389	8	5	financial	financial	ADJ
fsr-3389	8	6	services	service	NOUN
fsr-3389	8	7	.	.	PUNCT
fsr-3389	9	1	all	all	DET
fsr-3389	9	2	rights	right	NOUN
fsr-3389	9	3	reserved	reserve	VERB
fsr-3389	9	4	.	.	PUNCT
fsr-3389	10	1	jel	jel	PROPN
fsr-3389	10	2	classification	classification	PROPN
fsr-3389	10	3	:	:	PUNCT
fsr-3389	10	4	g23	g23	PROPN
fsr-3389	10	5	;	;	PUNCT
fsr-3389	10	6	h55	h55	PROPN
fsr-3389	10	7	;	;	PUNCT
fsr-3389	10	8	j38	j38	ADJ
fsr-3389	10	9	keywords	keyword	NOUN
fsr-3389	10	10	:	:	PUNCT
fsr-3389	10	11	survivor	survivor	NOUN
fsr-3389	10	12	benefit	benefit	NOUN
fsr-3389	10	13	plan	plan	NOUN
fsr-3389	10	14	;	;	PUNCT
fsr-3389	10	15	insurance	insurance	NOUN
fsr-3389	10	16	;	;	PUNCT
fsr-3389	10	17	valuation	valuation	NOUN
fsr-3389	10	18	;	;	PUNCT
fsr-3389	10	19	pension	pension	NOUN
fsr-3389	10	20	;	;	PUNCT
fsr-3389	10	21	retirement	retirement	NOUN
fsr-3389	10	22	;	;	PUNCT
fsr-3389	10	23	simulation	simulation	NOUN
fsr-3389	10	24	1	1	NUM
fsr-3389	10	25	.	.	PUNCT
fsr-3389	11	1	introduction	introduction	NOUN
fsr-3389	11	2	tens	ten	NOUN
fsr-3389	11	3	of	of	ADP
fsr-3389	11	4	millions	million	NOUN
fsr-3389	11	5	of	of	ADP
fsr-3389	11	6	people	people	NOUN
fsr-3389	11	7	in	in	ADP
fsr-3389	11	8	the	the	DET
fsr-3389	11	9	united	united	PROPN
fsr-3389	11	10	states	states	PROPN
fsr-3389	11	11	with	with	ADP
fsr-3389	11	12	defined	define	VERB
fsr-3389	11	13	benefit	benefit	NOUN
fsr-3389	11	14	(	(	PUNCT
fsr-3389	11	15	db	db	NOUN
fsr-3389	11	16	)	)	PUNCT
fsr-3389	11	17	pensions	pension	NOUN
fsr-3389	11	18	will	will	AUX
fsr-3389	11	19	face	face	VERB
fsr-3389	11	20	a	a	DET
fsr-3389	11	21	key	key	ADJ
fsr-3389	11	22	financial	financial	ADJ
fsr-3389	11	23	decision	decision	NOUN
fsr-3389	11	24	when	when	SCONJ
fsr-3389	11	25	they	they	PRON
fsr-3389	11	26	retire	retire	VERB
fsr-3389	11	27	:	:	PUNCT
fsr-3389	11	28	whether	whether	SCONJ
fsr-3389	11	29	and	and	CCONJ
fsr-3389	11	30	how	how	SCONJ
fsr-3389	11	31	to	to	PART
fsr-3389	11	32	insure	insure	VERB
fsr-3389	11	33	their	their	PRON
fsr-3389	11	34	db	db	PROPN
fsr-3389	11	35	pension	pension	NOUN
fsr-3389	11	36	for	for	ADP
fsr-3389	11	37	their	their	PRON
fsr-3389	11	38	spouse	spouse	NOUN
fsr-3389	11	39	.	.	PUNCT
fsr-3389	12	1	these	these	DET
fsr-3389	12	2	insured	insure	VERB
fsr-3389	12	3	plans	plan	NOUN
fsr-3389	12	4	are	be	AUX
fsr-3389	12	5	common	common	ADJ
fsr-3389	12	6	among	among	ADP
fsr-3389	12	7	state	state	NOUN
fsr-3389	12	8	employees	employee	NOUN
fsr-3389	12	9	,	,	PUNCT
fsr-3389	12	10	certain	certain	ADJ
fsr-3389	12	11	federal	federal	ADJ
fsr-3389	12	12	*	*	PUNCT
fsr-3389	12	13	corresponding	correspond	VERB
fsr-3389	12	14	author	author	NOUN
fsr-3389	12	15	.	.	PUNCT
fsr-3389	13	1	tel	tel	PROPN
fsr-3389	13	2	.	.	PUNCT
fsr-3389	13	3	:	:	PUNCT
fsr-3389	14	1	�	�	PROPN
fsr-3389	14	2	1	1	NUM
fsr-3389	14	3	-	-	SYM
fsr-3389	14	4	719	719	NUM
fsr-3389	14	5	-	-	NUM
fsr-3389	14	6	255	255	NUM
fsr-3389	14	7	-	-	SYM
fsr-3389	14	8	3186	3186	NUM
fsr-3389	14	9	;	;	PUNCT
fsr-3389	14	10	fax	fax	NOUN
fsr-3389	14	11	:	:	PUNCT
fsr-3389	14	12	�	�	PROPN
fsr-3389	14	13	1	1	NUM
fsr-3389	14	14	-	-	SYM
fsr-3389	14	15	719	719	NUM
fsr-3389	14	16	-	-	PUNCT
fsr-3389	14	17	255	255	NUM
fsr-3389	14	18	-	-	PUNCT
fsr-3389	14	19	3494	3494	NUM
fsr-3389	14	20	.	.	PUNCT
fsr-3389	15	1	e	e	X
fsr-3389	15	2	-	-	NOUN
fsr-3389	15	3	mail	mail	NOUN
fsr-3389	15	4	address	address	NOUN
fsr-3389	15	5	:	:	PUNCT
fsr-3389	15	6	bpayne3@uccs.edu	bpayne3@uccs.edu	X
fsr-3389	15	7	(	(	PUNCT
fsr-3389	15	8	b.c	b.c	PROPN
fsr-3389	15	9	.	.	PROPN
fsr-3389	15	10	payne	payne	PROPN
fsr-3389	15	11	)	)	PUNCT
fsr-3389	15	12	financial	financial	PROPN
fsr-3389	15	13	services	service	NOUN
fsr-3389	15	14	review	review	VERB
fsr-3389	15	15	27	27	NUM
fsr-3389	15	16	(	(	PUNCT
fsr-3389	15	17	2018	2018	NUM
fsr-3389	15	18	)	)	PUNCT
fsr-3389	15	19	147	147	NUM
fsr-3389	15	20	-	-	SYM
fsr-3389	15	21	172	172	NUM
fsr-3389	15	22	1057	1057	NUM
fsr-3389	15	23	-	-	SYM
fsr-3389	15	24	0810/18/$	0810/18/$	NUM
fsr-3389	15	25	–	–	PUNCT
fsr-3389	15	26	see	see	VERB
fsr-3389	15	27	front	front	ADJ
fsr-3389	15	28	matter	matter	NOUN
fsr-3389	15	29	©	©	PROPN
fsr-3389	15	30	2018	2018	NUM
fsr-3389	15	31	academy	academy	NOUN
fsr-3389	15	32	of	of	ADP
fsr-3389	15	33	financial	financial	ADJ
fsr-3389	15	34	services	service	NOUN
fsr-3389	15	35	.	.	PUNCT
fsr-3389	16	1	all	all	DET
fsr-3389	16	2	rights	right	NOUN
fsr-3389	16	3	reserved	reserve	VERB
fsr-3389	16	4	.	.	PUNCT
fsr-3389	17	1	employees	employee	NOUN
fsr-3389	17	2	,	,	PUNCT
fsr-3389	17	3	and	and	CCONJ
fsr-3389	17	4	,	,	PUNCT
fsr-3389	17	5	central	central	ADJ
fsr-3389	17	6	to	to	ADP
fsr-3389	17	7	this	this	DET
fsr-3389	17	8	analysis	analysis	NOUN
fsr-3389	17	9	,	,	PUNCT
fsr-3389	17	10	military	military	ADJ
fsr-3389	17	11	veterans	veteran	NOUN
fsr-3389	17	12	.	.	PUNCT
fsr-3389	18	1	richwine	richwine	PROPN
fsr-3389	18	2	(	(	PUNCT
fsr-3389	18	3	2013	2013	NUM
fsr-3389	18	4	)	)	PUNCT
fsr-3389	18	5	asserts	assert	VERB
fsr-3389	18	6	that	that	SCONJ
fsr-3389	18	7	about	about	ADP
fsr-3389	18	8	86	86	NUM
fsr-3389	18	9	%	%	NOUN
fsr-3389	18	10	of	of	ADP
fsr-3389	18	11	local	local	ADJ
fsr-3389	18	12	and	and	CCONJ
fsr-3389	18	13	state	state	NOUN
fsr-3389	18	14	government	government	NOUN
fsr-3389	18	15	employees	employee	NOUN
fsr-3389	18	16	have	have	VERB
fsr-3389	18	17	db	db	PROPN
fsr-3389	18	18	pensions	pension	NOUN
fsr-3389	18	19	.	.	PUNCT
fsr-3389	19	1	there	there	PRON
fsr-3389	19	2	are	be	VERB
fsr-3389	19	3	tens	ten	NOUN
fsr-3389	19	4	of	of	ADP
fsr-3389	19	5	millions	million	NOUN
fsr-3389	19	6	of	of	ADP
fsr-3389	19	7	first	first	ADJ
fsr-3389	19	8	responders	responder	NOUN
fsr-3389	19	9	and	and	CCONJ
fsr-3389	19	10	state	state	NOUN
fsr-3389	19	11	employees	employee	NOUN
fsr-3389	19	12	as	as	ADV
fsr-3389	19	13	well	well	ADV
fsr-3389	19	14	as	as	ADP
fsr-3389	19	15	over	over	ADP
fsr-3389	19	16	1.5	1.5	NUM
fsr-3389	19	17	million	million	NUM
fsr-3389	19	18	military	military	ADJ
fsr-3389	19	19	members	member	NOUN
fsr-3389	19	20	who	who	PRON
fsr-3389	19	21	at	at	ADP
fsr-3389	19	22	retirement	retirement	NOUN
fsr-3389	19	23	can	can	AUX
fsr-3389	19	24	opt	opt	VERB
fsr-3389	19	25	for	for	ADP
fsr-3389	19	26	a	a	DET
fsr-3389	19	27	life	life	NOUN
fsr-3389	19	28	insurance	insurance	NOUN
fsr-3389	19	29	product	product	NOUN
fsr-3389	19	30	that	that	PRON
fsr-3389	19	31	pays	pay	VERB
fsr-3389	19	32	beneficiaries	beneficiary	NOUN
fsr-3389	19	33	a	a	DET
fsr-3389	19	34	life	life	NOUN
fsr-3389	19	35	annuity	annuity	NOUN
fsr-3389	19	36	upon	upon	SCONJ
fsr-3389	19	37	the	the	DET
fsr-3389	19	38	insured	insure	VERB
fsr-3389	19	39	’s	’s	PART
fsr-3389	19	40	death	death	NOUN
fsr-3389	19	41	.	.	PUNCT
fsr-3389	20	1	additionally	additionally	ADV
fsr-3389	20	2	,	,	PUNCT
fsr-3389	20	3	although	although	SCONJ
fsr-3389	20	4	it	it	PRON
fsr-3389	20	5	covers	cover	VERB
fsr-3389	20	6	private	private	ADJ
fsr-3389	20	7	pensions	pension	NOUN
fsr-3389	20	8	,	,	PUNCT
fsr-3389	20	9	the	the	DET
fsr-3389	20	10	employee	employee	NOUN
fsr-3389	20	11	retirement	retirement	PROPN
fsr-3389	20	12	income	income	PROPN
fsr-3389	20	13	security	security	PROPN
fsr-3389	20	14	act	act	NOUN
fsr-3389	20	15	of	of	ADP
fsr-3389	20	16	1974	1974	NUM
fsr-3389	20	17	(	(	PUNCT
fsr-3389	20	18	erisa	erisa	NOUN
fsr-3389	20	19	)	)	PUNCT
fsr-3389	20	20	requires	require	VERB
fsr-3389	20	21	db	db	PROPN
fsr-3389	20	22	plans	plan	NOUN
fsr-3389	20	23	to	to	PART
fsr-3389	20	24	provide	provide	VERB
fsr-3389	20	25	a	a	DET
fsr-3389	20	26	survivor	survivor	NOUN
fsr-3389	20	27	’s	’s	PART
fsr-3389	20	28	benefit	benefit	NOUN
fsr-3389	20	29	that	that	PRON
fsr-3389	20	30	gives	give	VERB
fsr-3389	20	31	pension	pension	NOUN
fsr-3389	20	32	payments	payment	NOUN
fsr-3389	20	33	over	over	ADP
fsr-3389	20	34	both	both	CCONJ
fsr-3389	20	35	the	the	DET
fsr-3389	20	36	retiree	retiree	NOUN
fsr-3389	20	37	’s	’s	PART
fsr-3389	20	38	and	and	CCONJ
fsr-3389	20	39	spouse	spouse	NOUN
fsr-3389	20	40	’s	’s	PART
fsr-3389	20	41	lifetimes	lifetime	NOUN
fsr-3389	20	42	.	.	PUNCT
fsr-3389	21	1	these	these	DET
fsr-3389	21	2	programs	program	NOUN
fsr-3389	21	3	generally	generally	ADV
fsr-3389	21	4	have	have	VERB
fsr-3389	21	5	“	"	PUNCT
fsr-3389	21	6	opt	opt	VERB
fsr-3389	21	7	-	-	PUNCT
fsr-3389	21	8	out	out	ADP
fsr-3389	21	9	”	"	PUNCT
fsr-3389	21	10	features	feature	NOUN
fsr-3389	21	11	,	,	PUNCT
fsr-3389	21	12	meaning	mean	VERB
fsr-3389	21	13	couples	couple	NOUN
fsr-3389	21	14	are	be	AUX
fsr-3389	21	15	defaulted	default	VERB
fsr-3389	21	16	into	into	ADP
fsr-3389	21	17	selecting	select	VERB
fsr-3389	21	18	joint	joint	ADJ
fsr-3389	21	19	benefits	benefit	NOUN
fsr-3389	21	20	but	but	CCONJ
fsr-3389	21	21	can	can	AUX
fsr-3389	21	22	elect	elect	VERB
fsr-3389	21	23	not	not	PART
fsr-3389	21	24	to	to	PART
fsr-3389	21	25	pay	pay	VERB
fsr-3389	21	26	the	the	DET
fsr-3389	21	27	costs	cost	NOUN
fsr-3389	21	28	for	for	ADP
fsr-3389	21	29	the	the	DET
fsr-3389	21	30	prospective	prospective	ADJ
fsr-3389	21	31	survivor	survivor	NOUN
fsr-3389	21	32	benefits	benefit	NOUN
fsr-3389	21	33	.	.	PUNCT
fsr-3389	22	1	consequently	consequently	ADV
fsr-3389	22	2	,	,	PUNCT
fsr-3389	22	3	these	these	DET
fsr-3389	22	4	couples	couple	NOUN
fsr-3389	22	5	and	and	CCONJ
fsr-3389	22	6	their	their	PRON
fsr-3389	22	7	advisors	advisor	NOUN
fsr-3389	22	8	need	need	VERB
fsr-3389	22	9	a	a	DET
fsr-3389	22	10	framework	framework	NOUN
fsr-3389	22	11	to	to	PART
fsr-3389	22	12	analyze	analyze	VERB
fsr-3389	22	13	this	this	DET
fsr-3389	22	14	key	key	ADJ
fsr-3389	22	15	decision.1	decision.1	NOUN
fsr-3389	22	16	this	this	DET
fsr-3389	22	17	article	article	NOUN
fsr-3389	22	18	provides	provide	VERB
fsr-3389	22	19	such	such	DET
fsr-3389	22	20	a	a	DET
fsr-3389	22	21	framework	framework	NOUN
fsr-3389	22	22	using	use	VERB
fsr-3389	22	23	the	the	DET
fsr-3389	22	24	u.s	u.s	PROPN
fsr-3389	22	25	.	.	PROPN
fsr-3389	22	26	military	military	PROPN
fsr-3389	22	27	’s	’s	PART
fsr-3389	22	28	pension	pension	NOUN
fsr-3389	22	29	insurance	insurance	NOUN
fsr-3389	22	30	program	program	NOUN
fsr-3389	22	31	as	as	ADP
fsr-3389	22	32	a	a	DET
fsr-3389	22	33	specific	specific	ADJ
fsr-3389	22	34	case	case	NOUN
fsr-3389	22	35	.	.	PUNCT
fsr-3389	23	1	one	one	PRON
fsr-3389	23	2	can	can	AUX
fsr-3389	23	3	tailor	tailor	VERB
fsr-3389	23	4	the	the	DET
fsr-3389	23	5	approach	approach	NOUN
fsr-3389	23	6	presented	present	VERB
fsr-3389	23	7	here	here	ADV
fsr-3389	23	8	to	to	ADP
fsr-3389	23	9	any	any	PRON
fsr-3389	23	10	of	of	ADP
fsr-3389	23	11	the	the	DET
fsr-3389	23	12	tens	ten	NOUN
fsr-3389	23	13	of	of	ADP
fsr-3389	23	14	millions	million	NOUN
fsr-3389	23	15	facing	face	VERB
fsr-3389	23	16	this	this	DET
fsr-3389	23	17	decision	decision	NOUN
fsr-3389	23	18	.	.	PUNCT
fsr-3389	24	1	for	for	ADP
fsr-3389	24	2	military	military	ADJ
fsr-3389	24	3	service	service	NOUN
fsr-3389	24	4	members	member	NOUN
fsr-3389	24	5	the	the	DET
fsr-3389	24	6	military	military	ADJ
fsr-3389	24	7	pension	pension	NOUN
fsr-3389	24	8	insurance	insurance	NOUN
fsr-3389	24	9	program	program	NOUN
fsr-3389	24	10	is	be	AUX
fsr-3389	24	11	called	call	VERB
fsr-3389	24	12	the	the	DET
fsr-3389	24	13	survivor	survivor	NOUN
fsr-3389	24	14	benefit	benefit	NOUN
fsr-3389	24	15	plan	plan	NOUN
fsr-3389	24	16	(	(	PUNCT
fsr-3389	24	17	sbp	sbp	NOUN
fsr-3389	24	18	)	)	PUNCT
fsr-3389	24	19	.	.	PUNCT
fsr-3389	25	1	for	for	ADP
fsr-3389	25	2	years	year	NOUN
fsr-3389	25	3	the	the	DET
fsr-3389	25	4	conventional	conventional	ADJ
fsr-3389	25	5	wisdom	wisdom	NOUN
fsr-3389	25	6	has	have	AUX
fsr-3389	25	7	been	be	AUX
fsr-3389	25	8	that	that	SCONJ
fsr-3389	25	9	military	military	ADJ
fsr-3389	25	10	retirees	retiree	NOUN
fsr-3389	25	11	should	should	AUX
fsr-3389	25	12	embrace	embrace	VERB
fsr-3389	25	13	the	the	DET
fsr-3389	25	14	sbp	sbp	NOUN
fsr-3389	25	15	.	.	PUNCT
fsr-3389	26	1	among	among	ADP
fsr-3389	26	2	the	the	DET
fsr-3389	26	3	reasons	reason	NOUN
fsr-3389	26	4	:	:	PUNCT
fsr-3389	26	5	y	y	NOUN
fsr-3389	26	6	it	it	PRON
fsr-3389	26	7	requires	require	VERB
fsr-3389	26	8	no	no	DET
fsr-3389	26	9	medical	medical	ADJ
fsr-3389	26	10	exam	exam	NOUN
fsr-3389	26	11	,	,	PUNCT
fsr-3389	26	12	y	y	PROPN
fsr-3389	26	13	it	it	PRON
fsr-3389	26	14	is	be	AUX
fsr-3389	26	15	government	government	NOUN
fsr-3389	26	16	-	-	PUNCT
fsr-3389	26	17	subsidized	subsidize	VERB
fsr-3389	26	18	insurance	insurance	NOUN
fsr-3389	26	19	(	(	PUNCT
fsr-3389	26	20	that	that	PRON
fsr-3389	26	21	implies	imply	VERB
fsr-3389	26	22	it	it	PRON
fsr-3389	26	23	is	be	AUX
fsr-3389	26	24	more	more	ADJ
fsr-3389	26	25	than	than	ADP
fsr-3389	26	26	actuarially	actuarially	ADV
fsr-3389	26	27	fair	fair	ADJ
fsr-3389	26	28	)	)	PUNCT
fsr-3389	26	29	,	,	PUNCT
fsr-3389	26	30	y	y	PROPN
fsr-3389	26	31	it	it	PRON
fsr-3389	26	32	takes	take	VERB
fsr-3389	26	33	care	care	NOUN
fsr-3389	26	34	of	of	ADP
fsr-3389	26	35	a	a	DET
fsr-3389	26	36	surviving	surviving	NOUN
fsr-3389	26	37	spouse	spouse	NOUN
fsr-3389	26	38	and/or	and/or	CCONJ
fsr-3389	26	39	children	child	NOUN
fsr-3389	26	40	for	for	ADP
fsr-3389	26	41	their	their	PRON
fsr-3389	26	42	lifetime	lifetime	NOUN
fsr-3389	26	43	in	in	ADP
fsr-3389	26	44	real	real	ADJ
fsr-3389	26	45	terms	term	NOUN
fsr-3389	26	46	,	,	PUNCT
fsr-3389	26	47	and	and	CCONJ
fsr-3389	26	48	y	y	PROPN
fsr-3389	26	49	as	as	SCONJ
fsr-3389	26	50	davis	davis	PROPN
fsr-3389	26	51	and	and	CCONJ
fsr-3389	26	52	fraser	fraser	PROPN
fsr-3389	26	53	(	(	PUNCT
fsr-3389	26	54	2012	2012	NUM
fsr-3389	26	55	)	)	PUNCT
fsr-3389	26	56	summarize	summarize	VERB
fsr-3389	26	57	,	,	PUNCT
fsr-3389	26	58	it	it	PRON
fsr-3389	26	59	can	can	AUX
fsr-3389	26	60	provide	provide	VERB
fsr-3389	26	61	substantial	substantial	ADJ
fsr-3389	26	62	risk	risk	NOUN
fsr-3389	26	63	-	-	PUNCT
fsr-3389	26	64	free	free	ADJ
fsr-3389	26	65	real	real	ADJ
fsr-3389	26	66	returns	return	NOUN
fsr-3389	26	67	.	.	PUNCT
fsr-3389	27	1	while	while	SCONJ
fsr-3389	27	2	these	these	DET
fsr-3389	27	3	points	point	NOUN
fsr-3389	27	4	have	have	VERB
fsr-3389	27	5	merit	merit	NOUN
fsr-3389	27	6	,	,	PUNCT
fsr-3389	27	7	the	the	DET
fsr-3389	27	8	analyses	analysis	NOUN
fsr-3389	27	9	to	to	ADP
fsr-3389	27	10	date	date	NOUN
fsr-3389	27	11	are	be	AUX
fsr-3389	27	12	admittedly	admittedly	ADV
fsr-3389	27	13	incomplete	incomplete	ADJ
fsr-3389	27	14	.	.	PUNCT
fsr-3389	28	1	we	we	PRON
fsr-3389	28	2	expand	expand	VERB
fsr-3389	28	3	earlier	early	ADJ
fsr-3389	28	4	findings	finding	NOUN
fsr-3389	28	5	with	with	ADP
fsr-3389	28	6	this	this	DET
fsr-3389	28	7	study	study	NOUN
fsr-3389	28	8	and	and	CCONJ
fsr-3389	28	9	provide	provide	VERB
fsr-3389	28	10	a	a	DET
fsr-3389	28	11	more	more	ADV
fsr-3389	28	12	granular	granular	ADJ
fsr-3389	28	13	investigation	investigation	NOUN
fsr-3389	28	14	of	of	ADP
fsr-3389	28	15	the	the	DET
fsr-3389	28	16	sbp	sbp	NOUN
fsr-3389	28	17	decision	decision	NOUN
fsr-3389	28	18	,	,	PUNCT
fsr-3389	28	19	particularly	particularly	ADV
fsr-3389	28	20	with	with	ADP
fsr-3389	28	21	respect	respect	NOUN
fsr-3389	28	22	to	to	ADP
fsr-3389	28	23	military	military	ADJ
fsr-3389	28	24	retiree	retiree	NOUN
fsr-3389	28	25	and	and	CCONJ
fsr-3389	28	26	spouse	spouse	NOUN
fsr-3389	28	27	life	life	NOUN
fsr-3389	28	28	expectancies	expectancy	NOUN
fsr-3389	28	29	,	,	PUNCT
fsr-3389	28	30	the	the	DET
fsr-3389	28	31	skewness	skewness	NOUN
fsr-3389	28	32	embedded	embed	VERB
fsr-3389	28	33	in	in	ADP
fsr-3389	28	34	average	average	ADJ
fsr-3389	28	35	returns	return	NOUN
fsr-3389	28	36	,	,	PUNCT
fsr-3389	28	37	and	and	CCONJ
fsr-3389	28	38	market	market	NOUN
fsr-3389	28	39	-	-	PUNCT
fsr-3389	28	40	based	base	VERB
fsr-3389	28	41	insurance	insurance	NOUN
fsr-3389	28	42	and	and	CCONJ
fsr-3389	28	43	investment	investment	NOUN
fsr-3389	28	44	alternatives	alternative	NOUN
fsr-3389	28	45	.	.	PUNCT
fsr-3389	29	1	we	we	PRON
fsr-3389	29	2	also	also	ADV
fsr-3389	29	3	approach	approach	VERB
fsr-3389	29	4	this	this	DET
fsr-3389	29	5	narrow	narrow	ADJ
fsr-3389	29	6	decision	decision	NOUN
fsr-3389	29	7	from	from	ADP
fsr-3389	29	8	a	a	DET
fsr-3389	29	9	holistic	holistic	ADJ
fsr-3389	29	10	financial	financial	ADJ
fsr-3389	29	11	planning	planning	NOUN
fsr-3389	29	12	perspective	perspective	NOUN
fsr-3389	29	13	and	and	CCONJ
fsr-3389	29	14	believe	believe	VERB
fsr-3389	29	15	it	it	PRON
fsr-3389	29	16	is	be	AUX
fsr-3389	29	17	imperative	imperative	ADJ
fsr-3389	29	18	that	that	SCONJ
fsr-3389	29	19	retirees	retiree	NOUN
fsr-3389	29	20	deliberately	deliberately	ADV
fsr-3389	29	21	and	and	CCONJ
fsr-3389	29	22	thoughtfully	thoughtfully	ADV
fsr-3389	29	23	consider	consider	VERB
fsr-3389	29	24	an	an	DET
fsr-3389	29	25	sbp	sbp	NOUN
fsr-3389	29	26	-	-	PUNCT
fsr-3389	29	27	like	like	ADJ
fsr-3389	29	28	decision	decision	NOUN
fsr-3389	29	29	in	in	ADP
fsr-3389	29	30	light	light	NOUN
fsr-3389	29	31	of	of	ADP
fsr-3389	29	32	their	their	PRON
fsr-3389	29	33	complete	complete	ADJ
fsr-3389	29	34	financial	financial	ADJ
fsr-3389	29	35	planning	planning	NOUN
fsr-3389	29	36	and	and	CCONJ
fsr-3389	29	37	life	life	NOUN
fsr-3389	29	38	circumstances	circumstance	NOUN
fsr-3389	29	39	.	.	PUNCT
fsr-3389	30	1	based	base	VERB
fsr-3389	30	2	on	on	ADP
fsr-3389	30	3	our	our	PRON
fsr-3389	30	4	analysis	analysis	NOUN
fsr-3389	30	5	,	,	PUNCT
fsr-3389	30	6	for	for	ADP
fsr-3389	30	7	a	a	DET
fsr-3389	30	8	broad	broad	ADJ
fsr-3389	30	9	swath	swath	NOUN
fsr-3389	30	10	of	of	ADP
fsr-3389	30	11	the	the	DET
fsr-3389	30	12	retiring	retire	VERB
fsr-3389	30	13	military	military	ADJ
fsr-3389	30	14	population	population	NOUN
fsr-3389	30	15	,	,	PUNCT
fsr-3389	30	16	we	we	PRON
fsr-3389	30	17	reach	reach	VERB
fsr-3389	30	18	the	the	DET
fsr-3389	30	19	opposite	opposite	ADJ
fsr-3389	30	20	conclusion	conclusion	NOUN
fsr-3389	30	21	of	of	ADP
fsr-3389	30	22	prior	prior	ADJ
fsr-3389	30	23	studies	study	NOUN
fsr-3389	30	24	:	:	PUNCT
fsr-3389	30	25	that	that	PRON
fsr-3389	30	26	is	is	ADV
fsr-3389	30	27	,	,	PUNCT
fsr-3389	30	28	we	we	PRON
fsr-3389	30	29	contend	contend	VERB
fsr-3389	30	30	sbp	sbp	PROPN
fsr-3389	30	31	is	be	AUX
fsr-3389	30	32	not	not	PART
fsr-3389	30	33	an	an	DET
fsr-3389	30	34	ideal	ideal	ADJ
fsr-3389	30	35	approach	approach	NOUN
fsr-3389	30	36	to	to	ADP
fsr-3389	30	37	pension	pension	NOUN
fsr-3389	30	38	protection	protection	NOUN
fsr-3389	30	39	or	or	CCONJ
fsr-3389	30	40	life	life	NOUN
fsr-3389	30	41	insurance	insurance	NOUN
fsr-3389	30	42	.	.	PUNCT
fsr-3389	31	1	more	more	ADV
fsr-3389	31	2	strongly	strongly	ADV
fsr-3389	31	3	,	,	PUNCT
fsr-3389	31	4	our	our	PRON
fsr-3389	31	5	default	default	NOUN
fsr-3389	31	6	position	position	NOUN
fsr-3389	31	7	would	would	AUX
fsr-3389	31	8	be	be	AUX
fsr-3389	31	9	to	to	PART
fsr-3389	31	10	recommend	recommend	VERB
fsr-3389	31	11	against	against	ADP
fsr-3389	31	12	sbp	sbp	NOUN
fsr-3389	31	13	unless	unless	SCONJ
fsr-3389	31	14	an	an	DET
fsr-3389	31	15	individual	individual	NOUN
fsr-3389	31	16	has	have	VERB
fsr-3389	31	17	a	a	DET
fsr-3389	31	18	compelling	compelling	ADJ
fsr-3389	31	19	reason	reason	NOUN
fsr-3389	31	20	or	or	CCONJ
fsr-3389	31	21	need	need	VERB
fsr-3389	31	22	to	to	PART
fsr-3389	31	23	select	select	VERB
fsr-3389	31	24	it.2	it.2	NOUN
fsr-3389	31	25	because	because	SCONJ
fsr-3389	31	26	the	the	DET
fsr-3389	31	27	sbp	sbp	NOUN
fsr-3389	31	28	program	program	NOUN
fsr-3389	31	29	is	be	AUX
fsr-3389	31	30	subsidized	subsidize	VERB
fsr-3389	31	31	by	by	ADP
fsr-3389	31	32	the	the	DET
fsr-3389	31	33	federal	federal	ADJ
fsr-3389	31	34	government	government	NOUN
fsr-3389	31	35	,	,	PUNCT
fsr-3389	31	36	we	we	PRON
fsr-3389	31	37	posit	posit	VERB
fsr-3389	31	38	that	that	SCONJ
fsr-3389	31	39	other	other	ADJ
fsr-3389	31	40	db	db	PROPN
fsr-3389	31	41	pension	pension	NOUN
fsr-3389	31	42	recipients	recipient	NOUN
fsr-3389	31	43	could	could	AUX
fsr-3389	31	44	reach	reach	VERB
fsr-3389	31	45	the	the	DET
fsr-3389	31	46	same	same	ADJ
fsr-3389	31	47	conclusion	conclusion	NOUN
fsr-3389	31	48	when	when	SCONJ
fsr-3389	31	49	considering	consider	VERB
fsr-3389	31	50	their	their	PRON
fsr-3389	31	51	pension	pension	NOUN
fsr-3389	31	52	insurance	insurance	NOUN
fsr-3389	31	53	options	option	NOUN
fsr-3389	31	54	.	.	PUNCT
fsr-3389	32	1	finally	finally	ADV
fsr-3389	32	2	,	,	PUNCT
fsr-3389	32	3	because	because	SCONJ
fsr-3389	32	4	this	this	DET
fsr-3389	32	5	conclusion	conclusion	NOUN
fsr-3389	32	6	is	be	AUX
fsr-3389	32	7	not	not	PART
fsr-3389	32	8	the	the	DET
fsr-3389	32	9	default	default	NOUN
fsr-3389	32	10	option	option	NOUN
fsr-3389	32	11	during	during	ADP
fsr-3389	32	12	the	the	DET
fsr-3389	32	13	busy	busy	ADJ
fsr-3389	32	14	time	time	NOUN
fsr-3389	32	15	when	when	SCONJ
fsr-3389	32	16	one	one	PRON
fsr-3389	32	17	is	be	AUX
fsr-3389	32	18	transitioning	transition	VERB
fsr-3389	32	19	to	to	ADP
fsr-3389	32	20	retirement	retirement	NOUN
fsr-3389	32	21	,	,	PUNCT
fsr-3389	32	22	we	we	PRON
fsr-3389	32	23	advocate	advocate	VERB
fsr-3389	32	24	analyzing	analyze	VERB
fsr-3389	32	25	one	one	NUM
fsr-3389	32	26	’s	’s	PART
fsr-3389	32	27	alternatives	alternative	NOUN
fsr-3389	32	28	in	in	ADP
fsr-3389	32	29	advance	advance	NOUN
fsr-3389	32	30	of	of	ADP
fsr-3389	32	31	retirement	retirement	NOUN
fsr-3389	32	32	by	by	ADP
fsr-3389	32	33	two	two	NUM
fsr-3389	32	34	to	to	PART
fsr-3389	32	35	five	five	NUM
fsr-3389	32	36	years	year	NOUN
fsr-3389	32	37	.	.	PUNCT
fsr-3389	33	1	before	before	ADP
fsr-3389	33	2	reaching	reach	VERB
fsr-3389	33	3	these	these	DET
fsr-3389	33	4	overarching	overarching	ADJ
fsr-3389	33	5	conclusions	conclusion	NOUN
fsr-3389	33	6	,	,	PUNCT
fsr-3389	33	7	we	we	PRON
fsr-3389	33	8	map	map	VERB
fsr-3389	33	9	the	the	DET
fsr-3389	33	10	distribution	distribution	NOUN
fsr-3389	33	11	of	of	ADP
fsr-3389	33	12	potential	potential	ADJ
fsr-3389	33	13	outcomes	outcome	NOUN
fsr-3389	33	14	sbp	sbp	NOUN
fsr-3389	33	15	participants	participant	NOUN
fsr-3389	33	16	can	can	AUX
fsr-3389	33	17	expect	expect	VERB
fsr-3389	33	18	to	to	PART
fsr-3389	33	19	experience	experience	VERB
fsr-3389	33	20	and	and	CCONJ
fsr-3389	33	21	summarize	summarize	VERB
fsr-3389	33	22	this	this	DET
fsr-3389	33	23	comprehensive	comprehensive	ADJ
fsr-3389	33	24	picture	picture	NOUN
fsr-3389	33	25	with	with	ADP
fsr-3389	33	26	three	three	NUM
fsr-3389	33	27	major	major	ADJ
fsr-3389	33	28	findings	finding	NOUN
fsr-3389	33	29	:	:	PUNCT
fsr-3389	34	1	1	1	X
fsr-3389	34	2	.	.	PUNCT
fsr-3389	35	1	the	the	DET
fsr-3389	35	2	expected	expect	VERB
fsr-3389	35	3	returns	return	NOUN
fsr-3389	35	4	are	be	AUX
fsr-3389	35	5	more	more	ADV
fsr-3389	35	6	skewed	skewed	ADJ
fsr-3389	35	7	than	than	SCONJ
fsr-3389	35	8	previously	previously	ADV
fsr-3389	35	9	documented	document	VERB
fsr-3389	35	10	,	,	PUNCT
fsr-3389	35	11	with	with	ADP
fsr-3389	35	12	more	more	ADJ
fsr-3389	35	13	than	than	ADP
fsr-3389	35	14	60	60	NUM
fsr-3389	35	15	%	%	NOUN
fsr-3389	35	16	of	of	ADP
fsr-3389	35	17	retirees	retiree	NOUN
fsr-3389	35	18	in	in	ADP
fsr-3389	35	19	a	a	DET
fsr-3389	35	20	common	common	ADJ
fsr-3389	35	21	scenario	scenario	NOUN
fsr-3389	35	22	expected	expect	VERB
fsr-3389	35	23	to	to	PART
fsr-3389	35	24	pay	pay	VERB
fsr-3389	35	25	more	more	ADJ
fsr-3389	35	26	into	into	ADP
fsr-3389	35	27	sbp	sbp	NOUN
fsr-3389	35	28	than	than	SCONJ
fsr-3389	35	29	they	they	PRON
fsr-3389	35	30	receive	receive	VERB
fsr-3389	35	31	,	,	PUNCT
fsr-3389	35	32	thus	thus	ADV
fsr-3389	35	33	,	,	PUNCT
fsr-3389	35	34	losing	lose	VERB
fsr-3389	35	35	wealth	wealth	NOUN
fsr-3389	35	36	;	;	PUNCT
fsr-3389	35	37	148	148	NUM
fsr-3389	35	38	w.w	w.w	NOUN
fsr-3389	35	39	.	.	PROPN
fsr-3389	35	40	jennings	jennings	PROPN
fsr-3389	35	41	et	et	PROPN
fsr-3389	35	42	al	al	PROPN
fsr-3389	35	43	.	.	PUNCT
fsr-3389	35	44	/	/	SYM
fsr-3389	35	45	financial	financial	ADJ
fsr-3389	35	46	services	service	NOUN
fsr-3389	35	47	review	review	VERB
fsr-3389	35	48	27	27	NUM
fsr-3389	35	49	(	(	PUNCT
fsr-3389	35	50	2018	2018	NUM
fsr-3389	35	51	)	)	PUNCT
fsr-3389	35	52	147	147	NUM
fsr-3389	35	53	-	-	SYM
fsr-3389	35	54	172	172	NUM
fsr-3389	35	55	2	2	NUM
fsr-3389	35	56	.	.	PUNCT
fsr-3389	35	57	from	from	ADP
fsr-3389	35	58	a	a	DET
fsr-3389	35	59	holistic	holistic	ADJ
fsr-3389	35	60	financial	financial	ADJ
fsr-3389	35	61	planning	planning	NOUN
fsr-3389	35	62	perspective	perspective	NOUN
fsr-3389	35	63	,	,	PUNCT
fsr-3389	35	64	sbp	sbp	PROPN
fsr-3389	35	65	is	be	AUX
fsr-3389	35	66	largely	largely	ADV
fsr-3389	35	67	irrelevant	irrelevant	ADJ
fsr-3389	35	68	for	for	ADP
fsr-3389	35	69	the	the	DET
fsr-3389	35	70	most	most	ADV
fsr-3389	35	71	-	-	PUNCT
fsr-3389	35	72	likely	likely	ADJ
fsr-3389	35	73	mortality	mortality	NOUN
fsr-3389	35	74	scenarios	scenario	NOUN
fsr-3389	35	75	;	;	PUNCT
fsr-3389	35	76	and	and	CCONJ
fsr-3389	36	1	3	3	X
fsr-3389	36	2	.	.	PUNCT
fsr-3389	37	1	in	in	ADP
fsr-3389	37	2	circumstances	circumstance	NOUN
fsr-3389	37	3	where	where	SCONJ
fsr-3389	37	4	sbp	sbp	NOUN
fsr-3389	37	5	is	be	AUX
fsr-3389	37	6	most	most	ADV
fsr-3389	37	7	valuable	valuable	ADJ
fsr-3389	37	8	,	,	PUNCT
fsr-3389	37	9	there	there	PRON
fsr-3389	37	10	exist	exist	VERB
fsr-3389	37	11	other	other	ADJ
fsr-3389	37	12	life	life	NOUN
fsr-3389	37	13	insurance	insurance	NOUN
fsr-3389	37	14	mechanisms	mechanism	NOUN
fsr-3389	37	15	to	to	PART
fsr-3389	37	16	provide	provide	VERB
fsr-3389	37	17	similar	similar	ADJ
fsr-3389	37	18	,	,	PUNCT
fsr-3389	37	19	or	or	CCONJ
fsr-3389	37	20	even	even	ADV
fsr-3389	37	21	better	well	ADJ
fsr-3389	37	22	,	,	PUNCT
fsr-3389	37	23	financial	financial	ADJ
fsr-3389	37	24	security	security	NOUN
fsr-3389	37	25	.	.	PUNCT
fsr-3389	38	1	our	our	PRON
fsr-3389	38	2	article	article	NOUN
fsr-3389	38	3	augments	augment	VERB
fsr-3389	38	4	current	current	ADJ
fsr-3389	38	5	tools	tool	NOUN
fsr-3389	38	6	available	available	ADJ
fsr-3389	38	7	to	to	ADP
fsr-3389	38	8	federal	federal	ADJ
fsr-3389	38	9	employees	employee	NOUN
fsr-3389	38	10	making	make	VERB
fsr-3389	38	11	this	this	DET
fsr-3389	38	12	critical	critical	ADJ
fsr-3389	38	13	financial	financial	ADJ
fsr-3389	38	14	decision	decision	NOUN
fsr-3389	38	15	.	.	PUNCT
fsr-3389	39	1	the	the	DET
fsr-3389	39	2	department	department	PROPN
fsr-3389	39	3	of	of	ADP
fsr-3389	39	4	defense	defense	PROPN
fsr-3389	39	5	office	office	NOUN
fsr-3389	39	6	of	of	ADP
fsr-3389	39	7	the	the	DET
fsr-3389	39	8	actuary	actuary	NOUN
fsr-3389	39	9	maintains	maintain	VERB
fsr-3389	39	10	a	a	DET
fsr-3389	39	11	sbp	sbp	NOUN
fsr-3389	39	12	calculator	calculator	NOUN
fsr-3389	39	13	on	on	ADP
fsr-3389	39	14	its	its	PRON
fsr-3389	39	15	website	website	NOUN
fsr-3389	39	16	that	that	PRON
fsr-3389	39	17	quantifies	quantify	VERB
fsr-3389	39	18	the	the	DET
fsr-3389	39	19	expected	expect	VERB
fsr-3389	39	20	benefit	benefit	NOUN
fsr-3389	39	21	based	base	VERB
fsr-3389	39	22	on	on	ADP
fsr-3389	39	23	user	user	NOUN
fsr-3389	39	24	-	-	PUNCT
fsr-3389	39	25	customized	customize	VERB
fsr-3389	39	26	inputs	input	NOUN
fsr-3389	39	27	(	(	PUNCT
fsr-3389	39	28	http://actuary.defense.gov/	http://actuary.defense.gov/	ADV
fsr-3389	39	29	,	,	PUNCT
fsr-3389	39	30	“	"	PUNCT
fsr-3389	39	31	survivor	survivor	NOUN
fsr-3389	39	32	benefit	benefit	NOUN
fsr-3389	39	33	plan	plan	NOUN
fsr-3389	39	34	”	"	PUNCT
fsr-3389	39	35	tab	tab	NOUN
fsr-3389	39	36	)	)	PUNCT
fsr-3389	39	37	.	.	PUNCT
fsr-3389	40	1	the	the	DET
fsr-3389	40	2	general	general	ADJ
fsr-3389	40	3	takeaway	takeaway	NOUN
fsr-3389	40	4	from	from	ADP
fsr-3389	40	5	this	this	DET
fsr-3389	40	6	calculator	calculator	NOUN
fsr-3389	40	7	is	be	AUX
fsr-3389	40	8	that	that	SCONJ
fsr-3389	40	9	sbp	sbp	PROPN
fsr-3389	40	10	provides	provide	VERB
fsr-3389	40	11	a	a	DET
fsr-3389	40	12	financially	financially	ADV
fsr-3389	40	13	valuable	valuable	ADJ
fsr-3389	40	14	payout	payout	NOUN
fsr-3389	40	15	to	to	ADP
fsr-3389	40	16	those	those	PRON
fsr-3389	40	17	who	who	PRON
fsr-3389	40	18	subscribe	subscribe	VERB
fsr-3389	40	19	.	.	PUNCT
fsr-3389	41	1	in	in	ADP
fsr-3389	41	2	contrast	contrast	NOUN
fsr-3389	41	3	,	,	PUNCT
fsr-3389	41	4	this	this	DET
fsr-3389	41	5	study	study	NOUN
fsr-3389	41	6	provides	provide	VERB
fsr-3389	41	7	more	more	ADJ
fsr-3389	41	8	context	context	NOUN
fsr-3389	41	9	for	for	ADP
fsr-3389	41	10	these	these	DET
fsr-3389	41	11	calculations	calculation	NOUN
fsr-3389	41	12	and	and	CCONJ
fsr-3389	41	13	for	for	ADP
fsr-3389	41	14	this	this	DET
fsr-3389	41	15	important	important	ADJ
fsr-3389	41	16	decision	decision	NOUN
fsr-3389	41	17	.	.	PUNCT
fsr-3389	42	1	we	we	PRON
fsr-3389	42	2	identify	identify	VERB
fsr-3389	42	3	viable	viable	ADJ
fsr-3389	42	4	alternatives	alternative	NOUN
fsr-3389	42	5	to	to	ADP
fsr-3389	42	6	the	the	DET
fsr-3389	42	7	sbp	sbp	NOUN
fsr-3389	42	8	and	and	CCONJ
fsr-3389	42	9	provide	provide	VERB
fsr-3389	42	10	a	a	DET
fsr-3389	42	11	novel	novel	ADJ
fsr-3389	42	12	calculator	calculator	NOUN
fsr-3389	42	13	that	that	PRON
fsr-3389	42	14	allows	allow	VERB
fsr-3389	42	15	individuals	individual	NOUN
fsr-3389	42	16	with	with	ADP
fsr-3389	42	17	unique	unique	ADJ
fsr-3389	42	18	circumstances	circumstance	NOUN
fsr-3389	42	19	to	to	PART
fsr-3389	42	20	compare	compare	VERB
fsr-3389	42	21	our	our	PRON
fsr-3389	42	22	proposed	propose	VERB
fsr-3389	42	23	alternative	alternative	NOUN
fsr-3389	42	24	and	and	CCONJ
fsr-3389	42	25	the	the	DET
fsr-3389	42	26	sbp	sbp	NOUN
fsr-3389	42	27	(	(	PUNCT
fsr-3389	42	28	this	this	DET
fsr-3389	42	29	calculator	calculator	NOUN
fsr-3389	42	30	is	be	AUX
fsr-3389	42	31	located	locate	VERB
fsr-3389	42	32	at	at	ADP
fsr-3389	42	33	www.financialcheckpoints.com	www.financialcheckpoints.com	PROPN
fsr-3389	42	34	)	)	PUNCT
fsr-3389	42	35	.	.	PUNCT
fsr-3389	43	1	2	2	X
fsr-3389	43	2	.	.	X
fsr-3389	43	3	background	background	NOUN
fsr-3389	43	4	and	and	CCONJ
fsr-3389	43	5	literature	literature	NOUN
fsr-3389	43	6	review	review	PROPN
fsr-3389	43	7	as	as	ADP
fsr-3389	43	8	poterba	poterba	NOUN
fsr-3389	43	9	et	et	PROPN
fsr-3389	43	10	al	al	PROPN
fsr-3389	43	11	.	.	PUNCT
fsr-3389	44	1	(	(	PUNCT
fsr-3389	44	2	2007	2007	NUM
fsr-3389	44	3	)	)	PUNCT
fsr-3389	44	4	show	show	NOUN
fsr-3389	44	5	using	use	VERB
fsr-3389	44	6	a	a	DET
fsr-3389	44	7	simulation	simulation	NOUN
fsr-3389	44	8	methodology	methodology	NOUN
fsr-3389	44	9	,	,	PUNCT
fsr-3389	44	10	public	public	ADJ
fsr-3389	44	11	defined	define	VERB
fsr-3389	44	12	benefit	benefit	NOUN
fsr-3389	44	13	pension	pension	NOUN
fsr-3389	44	14	plans	plan	NOUN
fsr-3389	44	15	are	be	AUX
fsr-3389	44	16	very	very	ADV
fsr-3389	44	17	generous	generous	ADJ
fsr-3389	44	18	.	.	PUNCT
fsr-3389	45	1	according	accord	VERB
fsr-3389	45	2	to	to	ADP
fsr-3389	45	3	the	the	DET
fsr-3389	45	4	analysis	analysis	NOUN
fsr-3389	45	5	presented	present	VERB
fsr-3389	45	6	in	in	ADP
fsr-3389	45	7	jennings	jennings	PROPN
fsr-3389	45	8	and	and	CCONJ
fsr-3389	45	9	reichenstein	reichenstein	PROPN
fsr-3389	45	10	(	(	PUNCT
fsr-3389	45	11	2001	2001	NUM
fsr-3389	45	12	)	)	PUNCT
fsr-3389	45	13	,	,	PUNCT
fsr-3389	45	14	the	the	DET
fsr-3389	45	15	present	present	ADJ
fsr-3389	45	16	value	value	NOUN
fsr-3389	45	17	equivalent	equivalent	NOUN
fsr-3389	45	18	of	of	ADP
fsr-3389	45	19	a	a	DET
fsr-3389	45	20	retired	retired	ADJ
fsr-3389	45	21	military	military	ADJ
fsr-3389	45	22	officer	officer	NOUN
fsr-3389	45	23	pension	pension	NOUN
fsr-3389	45	24	can	can	AUX
fsr-3389	45	25	readily	readily	ADV
fsr-3389	45	26	exceed	exceed	VERB
fsr-3389	45	27	$	$	SYM
fsr-3389	45	28	1	1	NUM
fsr-3389	45	29	million	million	NUM
fsr-3389	45	30	.	.	PUNCT
fsr-3389	46	1	currently	currently	ADV
fsr-3389	46	2	,	,	PUNCT
fsr-3389	46	3	military	military	ADJ
fsr-3389	46	4	members	member	NOUN
fsr-3389	46	5	receive	receive	VERB
fsr-3389	46	6	a	a	DET
fsr-3389	46	7	monthly	monthly	ADJ
fsr-3389	46	8	pension	pension	NOUN
fsr-3389	46	9	amounting	amount	VERB
fsr-3389	46	10	to	to	ADP
fsr-3389	46	11	2.5	2.5	NUM
fsr-3389	46	12	%	%	NOUN
fsr-3389	46	13	of	of	ADP
fsr-3389	46	14	their	their	PRON
fsr-3389	46	15	final	final	ADJ
fsr-3389	46	16	36	36	NUM
fsr-3389	46	17	months	month	NOUN
fsr-3389	46	18	’	'	PUNCT
fsr-3389	46	19	average	average	ADJ
fsr-3389	46	20	pay	pay	NOUN
fsr-3389	46	21	(	(	PUNCT
fsr-3389	46	22	nominal	nominal	ADJ
fsr-3389	46	23	)	)	PUNCT
fsr-3389	46	24	for	for	ADP
fsr-3389	46	25	every	every	DET
fsr-3389	46	26	year	year	NOUN
fsr-3389	46	27	of	of	ADP
fsr-3389	46	28	service.3	service.3	PROPN
fsr-3389	46	29	for	for	ADP
fsr-3389	46	30	example	example	NOUN
fsr-3389	46	31	,	,	PUNCT
fsr-3389	46	32	after	after	ADP
fsr-3389	46	33	20	20	NUM
fsr-3389	46	34	years	year	NOUN
fsr-3389	46	35	of	of	ADP
fsr-3389	46	36	service	service	NOUN
fsr-3389	46	37	at	at	ADP
fsr-3389	46	38	2.5	2.5	NUM
fsr-3389	46	39	%	%	NOUN
fsr-3389	46	40	per	per	ADP
fsr-3389	46	41	year	year	NOUN
fsr-3389	46	42	,	,	PUNCT
fsr-3389	46	43	a	a	DET
fsr-3389	46	44	retiree	retiree	NOUN
fsr-3389	46	45	receives	receive	VERB
fsr-3389	46	46	50	50	NUM
fsr-3389	46	47	%	%	NOUN
fsr-3389	46	48	times	time	NOUN
fsr-3389	46	49	their	their	PRON
fsr-3389	46	50	high-36	high-36	PROPN
fsr-3389	46	51	month	month	NOUN
fsr-3389	46	52	average	average	ADJ
fsr-3389	46	53	pay	pay	NOUN
fsr-3389	46	54	,	,	PUNCT
fsr-3389	46	55	which	which	PRON
fsr-3389	46	56	is	be	AUX
fsr-3389	46	57	usually	usually	ADV
fsr-3389	46	58	calculated	calculate	VERB
fsr-3389	46	59	from	from	ADP
fsr-3389	46	60	the	the	DET
fsr-3389	46	61	retiree	retiree	NOUN
fsr-3389	46	62	’s	’s	PART
fsr-3389	46	63	last	last	ADJ
fsr-3389	46	64	36	36	NUM
fsr-3389	46	65	months	month	NOUN
fsr-3389	46	66	of	of	ADP
fsr-3389	46	67	pay	pay	NOUN
fsr-3389	46	68	.	.	PUNCT
fsr-3389	47	1	for	for	ADP
fsr-3389	47	2	the	the	DET
fsr-3389	47	3	typical	typical	ADJ
fsr-3389	47	4	20	20	NUM
fsr-3389	47	5	-	-	PUNCT
fsr-3389	47	6	year	year	NOUN
fsr-3389	47	7	enlisted	enlist	VERB
fsr-3389	47	8	career	career	NOUN
fsr-3389	47	9	this	this	PRON
fsr-3389	47	10	amounts	amount	VERB
fsr-3389	47	11	to	to	ADP
fsr-3389	47	12	$	$	SYM
fsr-3389	47	13	2,100	2,100	NUM
fsr-3389	47	14	per	per	ADP
fsr-3389	47	15	month	month	NOUN
fsr-3389	47	16	in	in	ADP
fsr-3389	47	17	2015	2015	NUM
fsr-3389	47	18	;	;	PUNCT
fsr-3389	47	19	it	it	PRON
fsr-3389	47	20	is	be	AUX
fsr-3389	47	21	approximately	approximately	ADV
fsr-3389	47	22	$	$	SYM
fsr-3389	47	23	4,000	4,000	NUM
fsr-3389	47	24	per	per	ADP
fsr-3389	47	25	month	month	NOUN
fsr-3389	47	26	for	for	ADP
fsr-3389	47	27	a	a	DET
fsr-3389	47	28	typical	typical	ADJ
fsr-3389	47	29	officer	officer	NOUN
fsr-3389	47	30	.	.	PUNCT
fsr-3389	48	1	given	give	VERB
fsr-3389	48	2	the	the	DET
fsr-3389	48	3	longevity	longevity	NOUN
fsr-3389	48	4	of	of	ADP
fsr-3389	48	5	the	the	DET
fsr-3389	48	6	typical	typical	ADJ
fsr-3389	48	7	military	military	ADJ
fsr-3389	48	8	retirement	retirement	NOUN
fsr-3389	48	9	,	,	PUNCT
fsr-3389	48	10	these	these	DET
fsr-3389	48	11	monthly	monthly	ADJ
fsr-3389	48	12	cash	cash	NOUN
fsr-3389	48	13	flows	flow	NOUN
fsr-3389	48	14	are	be	AUX
fsr-3389	48	15	well	well	ADV
fsr-3389	48	16	worth	worth	ADJ
fsr-3389	48	17	protecting	protect	VERB
fsr-3389	48	18	.	.	PUNCT
fsr-3389	49	1	the	the	DET
fsr-3389	49	2	life	life	NOUN
fsr-3389	49	3	cycle	cycle	NOUN
fsr-3389	49	4	hypothesis	hypothesis	NOUN
fsr-3389	49	5	holds	hold	VERB
fsr-3389	49	6	that	that	SCONJ
fsr-3389	49	7	households	household	NOUN
fsr-3389	49	8	seek	seek	VERB
fsr-3389	49	9	stability	stability	NOUN
fsr-3389	49	10	in	in	ADP
fsr-3389	49	11	consumption	consumption	NOUN
fsr-3389	49	12	and	and	CCONJ
fsr-3389	49	13	,	,	PUNCT
fsr-3389	49	14	thus	thus	ADV
fsr-3389	49	15	,	,	PUNCT
fsr-3389	49	16	tend	tend	VERB
fsr-3389	49	17	to	to	PART
fsr-3389	49	18	save	save	VERB
fsr-3389	49	19	during	during	ADP
fsr-3389	49	20	their	their	PRON
fsr-3389	49	21	labor	labor	NOUN
fsr-3389	49	22	income	income	NOUN
fsr-3389	49	23	years	year	NOUN
fsr-3389	49	24	and	and	CCONJ
fsr-3389	49	25	dissave	dissave	NOUN
fsr-3389	49	26	in	in	ADP
fsr-3389	49	27	retirement	retirement	NOUN
fsr-3389	49	28	(	(	PUNCT
fsr-3389	49	29	ando	ando	PROPN
fsr-3389	49	30	and	and	CCONJ
fsr-3389	49	31	modigliani	modigliani	PROPN
fsr-3389	49	32	,	,	PUNCT
fsr-3389	49	33	1963	1963	NUM
fsr-3389	49	34	)	)	PUNCT
fsr-3389	49	35	.	.	PUNCT
fsr-3389	50	1	with	with	ADP
fsr-3389	50	2	the	the	DET
fsr-3389	50	3	diminishing	diminish	VERB
fsr-3389	50	4	marginal	marginal	ADJ
fsr-3389	50	5	utility	utility	NOUN
fsr-3389	50	6	of	of	ADP
fsr-3389	50	7	wealth	wealth	NOUN
fsr-3389	50	8	,	,	PUNCT
fsr-3389	50	9	losses	loss	NOUN
fsr-3389	50	10	are	be	AUX
fsr-3389	50	11	disproportionately	disproportionately	ADV
fsr-3389	50	12	harmful	harmful	ADJ
fsr-3389	50	13	.	.	PUNCT
fsr-3389	51	1	in	in	ADP
fsr-3389	51	2	the	the	DET
fsr-3389	51	3	event	event	NOUN
fsr-3389	51	4	the	the	DET
fsr-3389	51	5	military	military	ADJ
fsr-3389	51	6	retiree	retiree	NOUN
fsr-3389	51	7	dies	die	VERB
fsr-3389	51	8	without	without	ADP
fsr-3389	51	9	sbp	sbp	NOUN
fsr-3389	51	10	protections	protection	NOUN
fsr-3389	51	11	,	,	PUNCT
fsr-3389	51	12	the	the	DET
fsr-3389	51	13	spouse	spouse	NOUN
fsr-3389	51	14	is	be	AUX
fsr-3389	51	15	not	not	PART
fsr-3389	51	16	entitled	entitle	VERB
fsr-3389	51	17	to	to	ADP
fsr-3389	51	18	the	the	DET
fsr-3389	51	19	retiree	retiree	NOUN
fsr-3389	51	20	’s	’s	PART
fsr-3389	51	21	retirement	retirement	NOUN
fsr-3389	51	22	income	income	NOUN
fsr-3389	51	23	.	.	PUNCT
fsr-3389	52	1	annuitization	annuitization	NOUN
fsr-3389	52	2	stops	stop	VERB
fsr-3389	52	3	as	as	SCONJ
fsr-3389	52	4	does	do	VERB
fsr-3389	52	5	the	the	DET
fsr-3389	52	6	associated	associated	ADJ
fsr-3389	52	7	welfare	welfare	NOUN
fsr-3389	52	8	gains	gain	NOUN
fsr-3389	52	9	found	find	VERB
fsr-3389	52	10	with	with	ADP
fsr-3389	52	11	annuities	annuity	NOUN
fsr-3389	52	12	in	in	ADP
fsr-3389	52	13	standard	standard	ADJ
fsr-3389	52	14	life	life	NOUN
fsr-3389	52	15	cycle	cycle	NOUN
fsr-3389	52	16	models	model	NOUN
fsr-3389	52	17	.	.	PUNCT
fsr-3389	53	1	this	this	DET
fsr-3389	53	2	loss	loss	NOUN
fsr-3389	53	3	potential	potential	NOUN
fsr-3389	53	4	is	be	AUX
fsr-3389	53	5	problematic	problematic	ADJ
fsr-3389	53	6	;	;	PUNCT
fsr-3389	53	7	people	people	NOUN
fsr-3389	53	8	who	who	PRON
fsr-3389	53	9	are	be	AUX
fsr-3389	53	10	forward	forward	ADV
fsr-3389	53	11	-	-	PUNCT
fsr-3389	53	12	looking	look	VERB
fsr-3389	53	13	,	,	PUNCT
fsr-3389	53	14	utility	utility	NOUN
fsr-3389	53	15	-	-	PUNCT
fsr-3389	53	16	maximizing	maximize	VERB
fsr-3389	53	17	,	,	PUNCT
fsr-3389	53	18	and	and	CCONJ
fsr-3389	53	19	understand	understand	VERB
fsr-3389	53	20	longevity	longevity	NOUN
fsr-3389	53	21	risk	risk	NOUN
fsr-3389	53	22	should	should	AUX
fsr-3389	53	23	,	,	PUNCT
fsr-3389	53	24	therefore	therefore	ADV
fsr-3389	53	25	,	,	PUNCT
fsr-3389	53	26	choose	choose	VERB
fsr-3389	53	27	to	to	PART
fsr-3389	53	28	protect	protect	VERB
fsr-3389	53	29	this	this	DET
fsr-3389	53	30	income	income	NOUN
fsr-3389	53	31	stream	stream	NOUN
fsr-3389	53	32	to	to	PART
fsr-3389	53	33	smooth	smooth	VERB
fsr-3389	53	34	consumption	consumption	NOUN
fsr-3389	53	35	through	through	ADP
fsr-3389	53	36	time	time	NOUN
fsr-3389	53	37	.	.	PUNCT
fsr-3389	54	1	to	to	ADP
fsr-3389	54	2	this	this	DET
fsr-3389	54	3	end	end	NOUN
fsr-3389	54	4	,	,	PUNCT
fsr-3389	54	5	the	the	DET
fsr-3389	54	6	military	military	NOUN
fsr-3389	54	7	’s	’s	PART
fsr-3389	54	8	sbp	sbp	NOUN
fsr-3389	54	9	helps	help	VERB
fsr-3389	54	10	;	;	PUNCT
fsr-3389	54	11	it	it	PRON
fsr-3389	54	12	protects	protect	VERB
fsr-3389	54	13	a	a	DET
fsr-3389	54	14	portion	portion	NOUN
fsr-3389	54	15	of	of	ADP
fsr-3389	54	16	the	the	DET
fsr-3389	54	17	db	db	PROPN
fsr-3389	54	18	pension	pension	NOUN
fsr-3389	54	19	cash	cash	NOUN
fsr-3389	54	20	flows	flow	VERB
fsr-3389	54	21	that	that	SCONJ
fsr-3389	54	22	military	military	ADJ
fsr-3389	54	23	members	member	NOUN
fsr-3389	54	24	receive	receive	VERB
fsr-3389	54	25	after	after	ADP
fsr-3389	54	26	20	20	NUM
fsr-3389	54	27	�	�	PROPN
fsr-3389	54	28	years	year	NOUN
fsr-3389	54	29	of	of	ADP
fsr-3389	54	30	service	service	NOUN
fsr-3389	54	31	.	.	PUNCT
fsr-3389	55	1	to	to	PART
fsr-3389	55	2	protect	protect	VERB
fsr-3389	55	3	this	this	DET
fsr-3389	55	4	pension	pension	NOUN
fsr-3389	55	5	for	for	ADP
fsr-3389	55	6	the	the	DET
fsr-3389	55	7	military	military	ADJ
fsr-3389	55	8	member	member	NOUN
fsr-3389	55	9	’s	’s	PART
fsr-3389	55	10	family	family	NOUN
fsr-3389	55	11	,	,	PUNCT
fsr-3389	55	12	the	the	DET
fsr-3389	55	13	sbp	sbp	NOUN
fsr-3389	55	14	permits	permit	VERB
fsr-3389	55	15	military	military	ADJ
fsr-3389	55	16	retirees	retiree	NOUN
fsr-3389	55	17	to	to	PART
fsr-3389	55	18	pay	pay	VERB
fsr-3389	55	19	up	up	ADP
fsr-3389	55	20	to	to	PART
fsr-3389	55	21	6.5	6.5	NUM
fsr-3389	55	22	%	%	NOUN
fsr-3389	55	23	of	of	ADP
fsr-3389	55	24	their	their	PRON
fsr-3389	55	25	monthly	monthly	ADJ
fsr-3389	55	26	pension	pension	NOUN
fsr-3389	55	27	pretax	pretax	NOUN
fsr-3389	55	28	to	to	PART
fsr-3389	55	29	guarantee	guarantee	VERB
fsr-3389	55	30	their	their	PRON
fsr-3389	55	31	beneficiary	beneficiary	NOUN
fsr-3389	55	32	up	up	ADP
fsr-3389	55	33	to	to	PART
fsr-3389	55	34	55	55	NUM
fsr-3389	55	35	%	%	NOUN
fsr-3389	55	36	of	of	ADP
fsr-3389	55	37	the	the	DET
fsr-3389	55	38	monthly	monthly	ADJ
fsr-3389	55	39	retirement	retirement	NOUN
fsr-3389	55	40	benefit	benefit	NOUN
fsr-3389	55	41	should	should	AUX
fsr-3389	55	42	the	the	DET
fsr-3389	55	43	military	military	ADJ
fsr-3389	55	44	retiree	retiree	PROPN
fsr-3389	55	45	die.4	die.4	PROPN
fsr-3389	55	46	while	while	SCONJ
fsr-3389	55	47	the	the	DET
fsr-3389	55	48	historical	historical	ADJ
fsr-3389	55	49	opt	opt	NOUN
fsr-3389	55	50	-	-	PUNCT
fsr-3389	55	51	in	in	ADP
fsr-3389	55	52	rates	rate	NOUN
fsr-3389	55	53	for	for	ADP
fsr-3389	55	54	sbp	sbp	NOUN
fsr-3389	55	55	are	be	AUX
fsr-3389	55	56	not	not	PART
fsr-3389	55	57	available	available	ADJ
fsr-3389	55	58	to	to	ADP
fsr-3389	55	59	the	the	DET
fsr-3389	55	60	authors	author	NOUN
fsr-3389	55	61	,	,	PUNCT
fsr-3389	55	62	the	the	DET
fsr-3389	55	63	department	department	NOUN
fsr-3389	55	64	of	of	ADP
fsr-3389	55	65	defense	defense	PROPN
fsr-3389	55	66	(	(	PUNCT
fsr-3389	55	67	dod	dod	PROPN
fsr-3389	55	68	)	)	PUNCT
fsr-3389	55	69	actuary	actuary	NOUN
fsr-3389	55	70	plans	plan	NOUN
fsr-3389	55	71	for	for	ADP
fsr-3389	55	72	a	a	DET
fsr-3389	55	73	majority	majority	NOUN
fsr-3389	55	74	of	of	ADP
fsr-3389	55	75	retirees	retiree	NOUN
fsr-3389	55	76	to	to	PART
fsr-3389	55	77	enroll	enroll	VERB
fsr-3389	55	78	going	go	VERB
fsr-3389	55	79	forward	forward	ADV
fsr-3389	55	80	,	,	PUNCT
fsr-3389	55	81	using	use	VERB
fsr-3389	55	82	a	a	DET
fsr-3389	55	83	50–60	50–60	NUM
fsr-3389	55	84	%	%	NOUN
fsr-3389	55	85	election	election	NOUN
fsr-3389	55	86	rate	rate	NOUN
fsr-3389	55	87	.	.	PUNCT
fsr-3389	56	1	of	of	ADP
fsr-3389	56	2	these	these	DET
fsr-3389	56	3	individuals	individual	NOUN
fsr-3389	56	4	,	,	PUNCT
fsr-3389	56	5	most	most	ADJ
fsr-3389	56	6	149w.w	149w.w	NOUN
fsr-3389	56	7	.	.	PUNCT
fsr-3389	57	1	jennings	jennings	PROPN
fsr-3389	57	2	et	et	PROPN
fsr-3389	57	3	al	al	PROPN
fsr-3389	57	4	.	.	PUNCT
fsr-3389	57	5	/	/	SYM
fsr-3389	57	6	financial	financial	ADJ
fsr-3389	57	7	services	service	NOUN
fsr-3389	57	8	review	review	VERB
fsr-3389	57	9	27	27	NUM
fsr-3389	57	10	(	(	PUNCT
fsr-3389	57	11	2018	2018	NUM
fsr-3389	57	12	)	)	PUNCT
fsr-3389	57	13	147	147	NUM
fsr-3389	57	14	-	-	SYM
fsr-3389	57	15	172	172	NUM
fsr-3389	57	16	retirees	retiree	NOUN
fsr-3389	57	17	(	(	PUNCT
fsr-3389	57	18	80	80	NUM
fsr-3389	57	19	%	%	NOUN
fsr-3389	57	20	)	)	PUNCT
fsr-3389	57	21	who	who	PRON
fsr-3389	57	22	elect	elect	VERB
fsr-3389	57	23	coverage	coverage	NOUN
fsr-3389	57	24	choose	choose	VERB
fsr-3389	57	25	the	the	DET
fsr-3389	57	26	maximum	maximum	ADJ
fsr-3389	57	27	amount	amount	NOUN
fsr-3389	57	28	(	(	PUNCT
fsr-3389	57	29	“	"	PUNCT
fsr-3389	57	30	report	report	NOUN
fsr-3389	57	31	of	of	ADP
fsr-3389	57	32	the	the	DET
fsr-3389	57	33	military	military	ADJ
fsr-3389	57	34	compensation	compensation	PROPN
fsr-3389	57	35	and	and	CCONJ
fsr-3389	57	36	retirement	retirement	PROPN
fsr-3389	57	37	modernization	modernization	PROPN
fsr-3389	57	38	commission	commission	PROPN
fsr-3389	57	39	,	,	PUNCT
fsr-3389	57	40	”	"	PUNCT
fsr-3389	57	41	final	final	ADJ
fsr-3389	57	42	report	report	NOUN
fsr-3389	57	43	,	,	PUNCT
fsr-3389	57	44	january	january	PROPN
fsr-3389	57	45	2015	2015	NUM
fsr-3389	57	46	;	;	PUNCT
fsr-3389	57	47	military	military	ADJ
fsr-3389	57	48	compensation	compensation	NOUN
fsr-3389	57	49	and	and	CCONJ
fsr-3389	57	50	retirement	retirement	PROPN
fsr-3389	57	51	modernization	modernization	PROPN
fsr-3389	57	52	commission	commission	PROPN
fsr-3389	57	53	2015	2015	NUM
fsr-3389	57	54	)	)	PUNCT
fsr-3389	57	55	.	.	PUNCT
fsr-3389	58	1	under	under	ADP
fsr-3389	58	2	the	the	DET
fsr-3389	58	3	typical	typical	ADJ
fsr-3389	58	4	enlisted	enlisted	ADJ
fsr-3389	58	5	retiree	retiree	PROPN
fsr-3389	58	6	scenario	scenario	PROPN
fsr-3389	58	7	,	,	PUNCT
fsr-3389	58	8	the	the	DET
fsr-3389	58	9	retiree	retiree	NOUN
fsr-3389	58	10	pays	pay	VERB
fsr-3389	58	11	$	$	SYM
fsr-3389	58	12	137	137	NUM
fsr-3389	58	13	pretax	pretax	NOUN
fsr-3389	58	14	monthly	monthly	ADV
fsr-3389	58	15	for	for	SCONJ
fsr-3389	58	16	their	their	PRON
fsr-3389	58	17	surviving	surviving	NOUN
fsr-3389	58	18	spouse	spouse	NOUN
fsr-3389	58	19	to	to	PART
fsr-3389	58	20	receive	receive	VERB
fsr-3389	58	21	a	a	DET
fsr-3389	58	22	taxable	taxable	ADJ
fsr-3389	58	23	benefit	benefit	NOUN
fsr-3389	58	24	of	of	ADP
fsr-3389	58	25	$	$	SYM
fsr-3389	58	26	1,155	1,155	NUM
fsr-3389	58	27	per	per	ADP
fsr-3389	58	28	month	month	NOUN
fsr-3389	58	29	.	.	PUNCT
fsr-3389	59	1	the	the	DET
fsr-3389	59	2	typical	typical	ADJ
fsr-3389	59	3	officer	officer	NOUN
fsr-3389	59	4	’s	’s	PART
fsr-3389	59	5	figures	figure	NOUN
fsr-3389	59	6	are	be	AUX
fsr-3389	59	7	$	$	SYM
fsr-3389	59	8	260	260	NUM
fsr-3389	59	9	and	and	CCONJ
fsr-3389	59	10	$	$	SYM
fsr-3389	59	11	2,100	2,100	NUM
fsr-3389	59	12	,	,	PUNCT
fsr-3389	59	13	respectively	respectively	ADV
fsr-3389	59	14	.	.	PUNCT
fsr-3389	60	1	unlike	unlike	ADP
fsr-3389	60	2	the	the	DET
fsr-3389	60	3	scenario	scenario	NOUN
fsr-3389	60	4	in	in	ADP
fsr-3389	60	5	lachance	lachance	PROPN
fsr-3389	60	6	et	et	PROPN
fsr-3389	60	7	al	al	PROPN
fsr-3389	60	8	.	.	PROPN
fsr-3389	61	1	(	(	PUNCT
fsr-3389	61	2	2003	2003	NUM
fsr-3389	61	3	)	)	PUNCT
fsr-3389	61	4	,	,	PUNCT
fsr-3389	61	5	which	which	PRON
fsr-3389	61	6	evaluates	evaluate	VERB
fsr-3389	61	7	pensioners	pensioner	NOUN
fsr-3389	61	8	’	’	PART
fsr-3389	61	9	option	option	NOUN
fsr-3389	61	10	to	to	PART
fsr-3389	61	11	buy	buy	VERB
fsr-3389	61	12	back	back	ADV
fsr-3389	61	13	into	into	ADP
fsr-3389	61	14	a	a	DET
fsr-3389	61	15	db	db	PROPN
fsr-3389	61	16	plan	plan	NOUN
fsr-3389	61	17	from	from	ADP
fsr-3389	61	18	a	a	DET
fsr-3389	61	19	defined	define	VERB
fsr-3389	61	20	contribution	contribution	NOUN
fsr-3389	61	21	plan	plan	NOUN
fsr-3389	61	22	,	,	PUNCT
fsr-3389	61	23	sbp	sbp	PROPN
fsr-3389	61	24	provides	provide	VERB
fsr-3389	61	25	very	very	ADV
fsr-3389	61	26	limited	limited	ADJ
fsr-3389	61	27	optionality	optionality	NOUN
fsr-3389	61	28	.	.	PUNCT
fsr-3389	62	1	similar	similar	ADJ
fsr-3389	62	2	to	to	ADP
fsr-3389	62	3	many	many	ADJ
fsr-3389	62	4	pension	pension	NOUN
fsr-3389	62	5	insurance	insurance	NOUN
fsr-3389	62	6	programs	program	NOUN
fsr-3389	62	7	,	,	PUNCT
fsr-3389	62	8	the	the	DET
fsr-3389	62	9	sbp	sbp	NOUN
fsr-3389	62	10	is	be	AUX
fsr-3389	62	11	an	an	DET
fsr-3389	62	12	opt	opt	VERB
fsr-3389	62	13	-	-	PUNCT
fsr-3389	62	14	out	out	ADP
fsr-3389	62	15	program	program	NOUN
fsr-3389	62	16	where	where	SCONJ
fsr-3389	62	17	the	the	DET
fsr-3389	62	18	member	member	NOUN
fsr-3389	62	19	and	and	CCONJ
fsr-3389	62	20	spouse	spouse	NOUN
fsr-3389	62	21	must	must	AUX
fsr-3389	62	22	affirmatively	affirmatively	ADV
fsr-3389	62	23	elect	elect	VERB
fsr-3389	62	24	to	to	PART
fsr-3389	62	25	not	not	PART
fsr-3389	62	26	pay	pay	VERB
fsr-3389	62	27	for	for	ADP
fsr-3389	62	28	these	these	DET
fsr-3389	62	29	benefits	benefit	NOUN
fsr-3389	62	30	.	.	PUNCT
fsr-3389	63	1	new	new	ADJ
fsr-3389	63	2	retirees	retiree	NOUN
fsr-3389	63	3	and	and	CCONJ
fsr-3389	63	4	their	their	PRON
fsr-3389	63	5	spouses	spouse	NOUN
fsr-3389	63	6	can	can	AUX
fsr-3389	63	7	opt	opt	VERB
fsr-3389	63	8	out	out	ADP
fsr-3389	63	9	immediately	immediately	ADV
fsr-3389	63	10	or	or	CCONJ
fsr-3389	63	11	between	between	ADP
fsr-3389	63	12	the	the	DET
fsr-3389	63	13	second	second	ADJ
fsr-3389	63	14	and	and	CCONJ
fsr-3389	63	15	third	third	ADJ
fsr-3389	63	16	year	year	NOUN
fsr-3389	63	17	of	of	ADP
fsr-3389	63	18	retirement	retirement	NOUN
fsr-3389	63	19	.	.	PUNCT
fsr-3389	64	1	opt	opt	VERB
fsr-3389	64	2	-	-	PUNCT
fsr-3389	64	3	out	out	ADP
fsr-3389	64	4	decisions	decision	NOUN
fsr-3389	64	5	are	be	AUX
fsr-3389	64	6	irrevocable	irrevocable	ADJ
fsr-3389	64	7	,	,	PUNCT
fsr-3389	64	8	unless	unless	SCONJ
fsr-3389	64	9	the	the	DET
fsr-3389	64	10	retiree	retiree	NOUN
fsr-3389	64	11	subsequently	subsequently	ADV
fsr-3389	64	12	remarries	remarry	VERB
fsr-3389	64	13	or	or	CCONJ
fsr-3389	64	14	adopts	adopt	VERB
fsr-3389	64	15	a	a	DET
fsr-3389	64	16	child	child	NOUN
fsr-3389	64	17	.	.	PUNCT
fsr-3389	65	1	sbp	sbp	PROPN
fsr-3389	65	2	spousal	spousal	PROPN
fsr-3389	65	3	beneficiary	beneficiary	PROPN
fsr-3389	65	4	payments	payment	NOUN
fsr-3389	65	5	continue	continue	VERB
fsr-3389	65	6	for	for	ADP
fsr-3389	65	7	the	the	DET
fsr-3389	65	8	remainder	remainder	NOUN
fsr-3389	65	9	of	of	ADP
fsr-3389	65	10	the	the	DET
fsr-3389	65	11	surviving	surviving	NOUN
fsr-3389	65	12	spouse	spouse	NOUN
fsr-3389	65	13	’s	’s	PART
fsr-3389	65	14	life	life	NOUN
fsr-3389	65	15	,	,	PUNCT
fsr-3389	65	16	or	or	CCONJ
fsr-3389	65	17	until	until	SCONJ
fsr-3389	65	18	the	the	DET
fsr-3389	65	19	spouse	spouse	NOUN
fsr-3389	65	20	remarries	remarry	VERB
fsr-3389	65	21	if	if	SCONJ
fsr-3389	65	22	he	he	PRON
fsr-3389	65	23	or	or	CCONJ
fsr-3389	65	24	she	she	PRON
fsr-3389	65	25	remarries	remarry	VERB
fsr-3389	65	26	before	before	ADP
fsr-3389	65	27	age	age	NOUN
fsr-3389	65	28	55	55	NUM
fsr-3389	65	29	.	.	PUNCT
fsr-3389	66	1	premiums	premium	NOUN
fsr-3389	66	2	and	and	CCONJ
fsr-3389	66	3	payouts	payout	NOUN
fsr-3389	66	4	are	be	AUX
fsr-3389	66	5	adjusted	adjust	VERB
fsr-3389	66	6	with	with	ADP
fsr-3389	66	7	inflation	inflation	NOUN
fsr-3389	66	8	annually	annually	ADV
fsr-3389	66	9	.	.	PUNCT
fsr-3389	67	1	premium	premium	NOUN
fsr-3389	67	2	payments	payment	NOUN
fsr-3389	67	3	cease	cease	VERB
fsr-3389	67	4	after	after	ADP
fsr-3389	67	5	30	30	NUM
fsr-3389	67	6	years	year	NOUN
fsr-3389	67	7	;	;	PUNCT
fsr-3389	67	8	however	however	ADV
fsr-3389	67	9	,	,	PUNCT
fsr-3389	67	10	the	the	DET
fsr-3389	67	11	coverage	coverage	NOUN
fsr-3389	67	12	continues	continue	VERB
fsr-3389	67	13	for	for	ADP
fsr-3389	67	14	the	the	DET
fsr-3389	67	15	duration	duration	NOUN
fsr-3389	67	16	of	of	ADP
fsr-3389	67	17	the	the	DET
fsr-3389	67	18	member	member	NOUN
fsr-3389	67	19	’s	’s	PART
fsr-3389	67	20	life	life	NOUN
fsr-3389	67	21	.	.	PUNCT
fsr-3389	68	1	if	if	SCONJ
fsr-3389	68	2	the	the	DET
fsr-3389	68	3	spouse	spouse	NOUN
fsr-3389	68	4	predeceases	predecease	VERB
fsr-3389	68	5	the	the	DET
fsr-3389	68	6	member	member	NOUN
fsr-3389	68	7	,	,	PUNCT
fsr-3389	68	8	both	both	CCONJ
fsr-3389	68	9	premiums	premium	NOUN
fsr-3389	68	10	and	and	CCONJ
fsr-3389	68	11	spousal	spousal	NOUN
fsr-3389	68	12	coverage	coverage	NOUN
fsr-3389	68	13	cease	cease	NOUN
fsr-3389	68	14	immediately	immediately	ADV
fsr-3389	68	15	.	.	PUNCT
fsr-3389	69	1	there	there	PRON
fsr-3389	69	2	are	be	VERB
fsr-3389	69	3	no	no	DET
fsr-3389	69	4	refunds	refund	NOUN
fsr-3389	69	5	of	of	ADP
fsr-3389	69	6	premiums	premium	NOUN
fsr-3389	69	7	paid	pay	VERB
fsr-3389	69	8	.	.	PUNCT
fsr-3389	70	1	for	for	ADP
fsr-3389	70	2	more	more	ADV
fsr-3389	70	3	extensive	extensive	ADJ
fsr-3389	70	4	details	detail	NOUN
fsr-3389	70	5	on	on	ADP
fsr-3389	70	6	the	the	DET
fsr-3389	70	7	sbp	sbp	NOUN
fsr-3389	70	8	program	program	NOUN
fsr-3389	70	9	,	,	PUNCT
fsr-3389	70	10	see	see	VERB
fsr-3389	70	11	higdon	higdon	PROPN
fsr-3389	70	12	(	(	PUNCT
fsr-3389	70	13	2009	2009	NUM
fsr-3389	70	14	)	)	PUNCT
fsr-3389	70	15	.	.	PUNCT
fsr-3389	71	1	the	the	DET
fsr-3389	71	2	sbp	sbp	PROPN
fsr-3389	71	3	pension	pension	NOUN
fsr-3389	71	4	protection	protection	NOUN
fsr-3389	71	5	program	program	NOUN
fsr-3389	71	6	is	be	AUX
fsr-3389	71	7	essentially	essentially	ADV
fsr-3389	71	8	an	an	DET
fsr-3389	71	9	inflation	inflation	NOUN
fsr-3389	71	10	-	-	PUNCT
fsr-3389	71	11	adjusted	adjust	VERB
fsr-3389	71	12	annuitized	annuitize	VERB
fsr-3389	71	13	life	life	NOUN
fsr-3389	71	14	insurance	insurance	NOUN
fsr-3389	71	15	product	product	NOUN
fsr-3389	71	16	.	.	PUNCT
fsr-3389	72	1	as	as	ADP
fsr-3389	72	2	such	such	ADJ
fsr-3389	72	3	,	,	PUNCT
fsr-3389	72	4	the	the	DET
fsr-3389	72	5	analysis	analysis	NOUN
fsr-3389	72	6	here	here	ADV
fsr-3389	72	7	is	be	AUX
fsr-3389	72	8	relevant	relevant	ADJ
fsr-3389	72	9	to	to	ADP
fsr-3389	72	10	many	many	ADJ
fsr-3389	72	11	annuity	annuity	NOUN
fsr-3389	72	12	options	option	NOUN
fsr-3389	72	13	presented	present	VERB
fsr-3389	72	14	to	to	ADP
fsr-3389	72	15	public	public	ADJ
fsr-3389	72	16	employees	employee	NOUN
fsr-3389	72	17	.	.	PUNCT
fsr-3389	73	1	to	to	PART
fsr-3389	73	2	be	be	AUX
fsr-3389	73	3	clear	clear	ADJ
fsr-3389	73	4	,	,	PUNCT
fsr-3389	73	5	the	the	DET
fsr-3389	73	6	sbp	sbp	NOUN
fsr-3389	73	7	is	be	AUX
fsr-3389	73	8	not	not	PART
fsr-3389	73	9	an	an	DET
fsr-3389	73	10	investment	investment	NOUN
fsr-3389	73	11	,	,	PUNCT
fsr-3389	73	12	which	which	PRON
fsr-3389	73	13	makes	make	VERB
fsr-3389	73	14	comparing	compare	VERB
fsr-3389	73	15	its	its	PRON
fsr-3389	73	16	return	return	NOUN
fsr-3389	73	17	to	to	ADP
fsr-3389	73	18	investments	investment	NOUN
fsr-3389	73	19	inappropriate	inappropriate	ADJ
fsr-3389	73	20	.	.	PUNCT
fsr-3389	74	1	unlike	unlike	ADP
fsr-3389	74	2	comprix	comprix	NOUN
fsr-3389	74	3	and	and	CCONJ
fsr-3389	74	4	muller	muller	NOUN
fsr-3389	74	5	(	(	PUNCT
fsr-3389	74	6	2011	2011	NUM
fsr-3389	74	7	)	)	PUNCT
fsr-3389	74	8	,	,	PUNCT
fsr-3389	74	9	for	for	ADP
fsr-3389	74	10	example	example	NOUN
fsr-3389	74	11	,	,	PUNCT
fsr-3389	74	12	who	who	PRON
fsr-3389	74	13	find	find	VERB
fsr-3389	74	14	evidence	evidence	NOUN
fsr-3389	74	15	private	private	ADJ
fsr-3389	74	16	firms	firm	NOUN
fsr-3389	74	17	adjust	adjust	VERB
fsr-3389	74	18	their	their	PRON
fsr-3389	74	19	db	db	PROPN
fsr-3389	74	20	pension	pension	NOUN
fsr-3389	74	21	discount	discount	NOUN
fsr-3389	74	22	rate	rate	NOUN
fsr-3389	74	23	to	to	PART
fsr-3389	74	24	suit	suit	VERB
fsr-3389	74	25	their	their	PRON
fsr-3389	74	26	purposes	purpose	NOUN
fsr-3389	74	27	,	,	PUNCT
fsr-3389	74	28	we	we	PRON
fsr-3389	74	29	are	be	AUX
fsr-3389	74	30	not	not	PART
fsr-3389	74	31	concerned	concern	VERB
fsr-3389	74	32	with	with	ADP
fsr-3389	74	33	a	a	DET
fsr-3389	74	34	discount	discount	NOUN
fsr-3389	74	35	rate	rate	NOUN
fsr-3389	74	36	(	(	PUNCT
fsr-3389	74	37	i.e.	i.e.	X
fsr-3389	74	38	,	,	PUNCT
fsr-3389	74	39	expected	expect	VERB
fsr-3389	74	40	investment	investment	NOUN
fsr-3389	74	41	returns	return	NOUN
fsr-3389	74	42	beyond	beyond	ADP
fsr-3389	74	43	a	a	DET
fsr-3389	74	44	risk	risk	NOUN
fsr-3389	74	45	-	-	PUNCT
fsr-3389	74	46	free	free	ADJ
fsr-3389	74	47	rate	rate	NOUN
fsr-3389	74	48	)	)	PUNCT
fsr-3389	74	49	for	for	ADP
fsr-3389	74	50	u.s	u.s	PROPN
fsr-3389	74	51	.	.	PROPN
fsr-3389	74	52	government	government	NOUN
fsr-3389	74	53	pension	pension	NOUN
fsr-3389	74	54	assets	asset	NOUN
fsr-3389	74	55	.	.	PUNCT
fsr-3389	75	1	instead	instead	ADV
fsr-3389	75	2	,	,	PUNCT
fsr-3389	75	3	insurance	insurance	NOUN
fsr-3389	75	4	such	such	ADJ
fsr-3389	75	5	as	as	ADP
fsr-3389	75	6	sbp	sbp	PROPN
fsr-3389	75	7	operates	operate	VERB
fsr-3389	75	8	under	under	ADP
fsr-3389	75	9	the	the	DET
fsr-3389	75	10	principle	principle	NOUN
fsr-3389	75	11	of	of	ADP
fsr-3389	75	12	indemnity	indemnity	NOUN
fsr-3389	75	13	.	.	PUNCT
fsr-3389	76	1	its	its	PRON
fsr-3389	76	2	intent	intent	NOUN
fsr-3389	76	3	is	be	AUX
fsr-3389	76	4	to	to	PART
fsr-3389	76	5	make	make	VERB
fsr-3389	76	6	the	the	DET
fsr-3389	76	7	insured	insure	VERB
fsr-3389	76	8	whole	whole	NOUN
fsr-3389	76	9	after	after	ADP
fsr-3389	76	10	experiencing	experience	VERB
fsr-3389	76	11	a	a	DET
fsr-3389	76	12	loss	loss	NOUN
fsr-3389	76	13	.	.	PUNCT
fsr-3389	77	1	as	as	ADP
fsr-3389	77	2	with	with	ADP
fsr-3389	77	3	most	most	ADJ
fsr-3389	77	4	insurance	insurance	NOUN
fsr-3389	77	5	products	product	NOUN
fsr-3389	77	6	,	,	PUNCT
fsr-3389	77	7	consumers	consumer	NOUN
fsr-3389	77	8	should	should	AUX
fsr-3389	77	9	expect	expect	VERB
fsr-3389	77	10	—	—	PUNCT
fsr-3389	77	11	and	and	CCONJ
fsr-3389	77	12	in	in	ADP
fsr-3389	77	13	most	most	ADJ
fsr-3389	77	14	cases	case	NOUN
fsr-3389	77	15	hope	hope	VERB
fsr-3389	77	16	—	—	PUNCT
fsr-3389	77	17	that	that	SCONJ
fsr-3389	77	18	they	they	PRON
fsr-3389	77	19	will	will	AUX
fsr-3389	77	20	not	not	PART
fsr-3389	77	21	have	have	VERB
fsr-3389	77	22	to	to	PART
fsr-3389	77	23	realize	realize	VERB
fsr-3389	77	24	any	any	DET
fsr-3389	77	25	benefit	benefit	NOUN
fsr-3389	77	26	from	from	ADP
fsr-3389	77	27	paying	pay	VERB
fsr-3389	77	28	insurance	insurance	NOUN
fsr-3389	77	29	premiums	premium	NOUN
fsr-3389	77	30	.	.	PUNCT
fsr-3389	78	1	insurance	insurance	NOUN
fsr-3389	78	2	products	product	NOUN
fsr-3389	78	3	exist	exist	VERB
fsr-3389	78	4	to	to	PART
fsr-3389	78	5	prevent	prevent	VERB
fsr-3389	78	6	harmful	harmful	ADJ
fsr-3389	78	7	large	large	ADJ
fsr-3389	78	8	losses	loss	NOUN
fsr-3389	78	9	.	.	PUNCT
fsr-3389	79	1	as	as	ADP
fsr-3389	79	2	one	one	NUM
fsr-3389	79	3	author	author	NOUN
fsr-3389	79	4	states	state	NOUN
fsr-3389	79	5	,	,	PUNCT
fsr-3389	79	6	“	"	PUNCT
fsr-3389	79	7	it	it	PRON
fsr-3389	79	8	makes	make	VERB
fsr-3389	79	9	sense	sense	NOUN
fsr-3389	79	10	to	to	PART
fsr-3389	79	11	buy	buy	VERB
fsr-3389	79	12	insurance	insurance	NOUN
fsr-3389	79	13	where	where	SCONJ
fsr-3389	79	14	the	the	DET
fsr-3389	79	15	premiums	premium	NOUN
fsr-3389	79	16	will	will	AUX
fsr-3389	79	17	result	result	VERB
fsr-3389	79	18	in	in	ADP
fsr-3389	79	19	a	a	DET
fsr-3389	79	20	known	know	VERB
fsr-3389	79	21	small	small	ADJ
fsr-3389	79	22	loss	loss	NOUN
fsr-3389	79	23	”	"	PUNCT
fsr-3389	79	24	(	(	PUNCT
fsr-3389	79	25	kitces	kitce	NOUN
fsr-3389	79	26	,	,	PUNCT
fsr-3389	79	27	2014	2014	NUM
fsr-3389	79	28	)	)	PUNCT
fsr-3389	79	29	.	.	PUNCT
fsr-3389	80	1	the	the	DET
fsr-3389	80	2	question	question	NOUN
fsr-3389	80	3	this	this	DET
fsr-3389	80	4	study	study	NOUN
fsr-3389	80	5	examines	examine	NOUN
fsr-3389	80	6	is	be	AUX
fsr-3389	80	7	whether	whether	SCONJ
fsr-3389	80	8	sbp	sbp	NOUN
fsr-3389	80	9	provides	provide	VERB
fsr-3389	80	10	the	the	DET
fsr-3389	80	11	best	good	ADJ
fsr-3389	80	12	“	"	PUNCT
fsr-3389	80	13	known	know	VERB
fsr-3389	80	14	small	small	ADJ
fsr-3389	80	15	loss	loss	NOUN
fsr-3389	80	16	”	"	PUNCT
fsr-3389	80	17	option	option	NOUN
fsr-3389	80	18	for	for	ADP
fsr-3389	80	19	military	military	ADJ
fsr-3389	80	20	retirees	retiree	NOUN
fsr-3389	80	21	.	.	PUNCT
fsr-3389	81	1	while	while	SCONJ
fsr-3389	81	2	recent	recent	ADJ
fsr-3389	81	3	work	work	NOUN
fsr-3389	81	4	on	on	ADP
fsr-3389	81	5	pension	pension	NOUN
fsr-3389	81	6	insurance	insurance	NOUN
fsr-3389	81	7	programs	program	NOUN
fsr-3389	81	8	is	be	AUX
fsr-3389	81	9	limited	limit	VERB
fsr-3389	81	10	(	(	PUNCT
fsr-3389	81	11	e.g.	e.g.	ADV
fsr-3389	81	12	,	,	PUNCT
fsr-3389	81	13	bell	bell	NOUN
fsr-3389	81	14	and	and	CCONJ
fsr-3389	81	15	graham	graham	PROPN
fsr-3389	81	16	,	,	PUNCT
fsr-3389	81	17	1984	1984	NUM
fsr-3389	81	18	,	,	PUNCT
fsr-3389	81	19	analyze	analyze	VERB
fsr-3389	81	20	900	900	NUM
fsr-3389	81	21	private	private	ADJ
fsr-3389	81	22	pension	pension	NOUN
fsr-3389	81	23	plans	plan	NOUN
fsr-3389	81	24	’	'	PUNCT
fsr-3389	81	25	characteristics	characteristic	NOUN
fsr-3389	81	26	more	more	ADJ
fsr-3389	81	27	than	than	ADP
fsr-3389	81	28	three	three	NUM
fsr-3389	81	29	decades	decade	NOUN
fsr-3389	81	30	ago	ago	ADV
fsr-3389	81	31	)	)	PUNCT
fsr-3389	81	32	,	,	PUNCT
fsr-3389	81	33	some	some	DET
fsr-3389	81	34	analysis	analysis	NOUN
fsr-3389	81	35	of	of	ADP
fsr-3389	81	36	the	the	DET
fsr-3389	81	37	sbp	sbp	NOUN
fsr-3389	81	38	program	program	NOUN
fsr-3389	81	39	has	have	AUX
fsr-3389	81	40	been	be	AUX
fsr-3389	81	41	conducted	conduct	VERB
fsr-3389	81	42	.	.	PUNCT
fsr-3389	82	1	jennings	jennings	PROPN
fsr-3389	82	2	and	and	CCONJ
fsr-3389	82	3	reichenstein	reichenstein	PROPN
fsr-3389	82	4	(	(	PUNCT
fsr-3389	82	5	2001	2001	NUM
fsr-3389	82	6	)	)	PUNCT
fsr-3389	82	7	demonstrate	demonstrate	NOUN
fsr-3389	82	8	sbp	sbp	NOUN
fsr-3389	82	9	is	be	AUX
fsr-3389	82	10	actuarially	actuarially	ADV
fsr-3389	82	11	fair	fair	ADJ
fsr-3389	82	12	under	under	ADP
fsr-3389	82	13	the	the	DET
fsr-3389	82	14	then	then	ADV
fsr-3389	82	15	-	-	PUNCT
fsr-3389	82	16	current	current	ADJ
fsr-3389	82	17	rules	rule	NOUN
fsr-3389	82	18	.	.	PUNCT
fsr-3389	83	1	using	use	VERB
fsr-3389	83	2	cost	cost	NOUN
fsr-3389	83	3	-	-	PUNCT
fsr-3389	83	4	benefit	benefit	NOUN
fsr-3389	83	5	analysis	analysis	NOUN
fsr-3389	83	6	,	,	PUNCT
fsr-3389	83	7	beatty	beatty	PROPN
fsr-3389	83	8	and	and	CCONJ
fsr-3389	83	9	kang	kang	PROPN
fsr-3389	83	10	(	(	PUNCT
fsr-3389	83	11	2007	2007	NUM
fsr-3389	83	12	)	)	PUNCT
fsr-3389	83	13	question	question	NOUN
fsr-3389	83	14	the	the	DET
fsr-3389	83	15	sbps	sbps	NOUN
fsr-3389	83	16	value	value	NOUN
fsr-3389	83	17	in	in	ADP
fsr-3389	83	18	limited	limited	ADJ
fsr-3389	83	19	illustrative	illustrative	ADJ
fsr-3389	83	20	scenarios	scenario	NOUN
fsr-3389	83	21	.	.	PUNCT
fsr-3389	84	1	sbp	sbp	PROPN
fsr-3389	84	2	has	have	AUX
fsr-3389	84	3	been	be	AUX
fsr-3389	84	4	enhanced	enhance	VERB
fsr-3389	84	5	since	since	SCONJ
fsr-3389	84	6	these	these	DET
fsr-3389	84	7	analyses	analysis	NOUN
fsr-3389	84	8	,	,	PUNCT
fsr-3389	84	9	making	make	VERB
fsr-3389	84	10	it	it	PRON
fsr-3389	84	11	likely	likely	ADJ
fsr-3389	84	12	that	that	SCONJ
fsr-3389	84	13	sbp	sbp	NOUN
fsr-3389	84	14	is	be	AUX
fsr-3389	84	15	advantageous	advantageous	ADJ
fsr-3389	84	16	for	for	ADP
fsr-3389	84	17	the	the	DET
fsr-3389	84	18	typical	typical	ADJ
fsr-3389	84	19	participant	participant	NOUN
fsr-3389	84	20	.	.	PUNCT
fsr-3389	85	1	davis	davis	PROPN
fsr-3389	85	2	and	and	CCONJ
fsr-3389	85	3	fraser	fraser	PROPN
fsr-3389	85	4	(	(	PUNCT
fsr-3389	85	5	2012	2012	NUM
fsr-3389	85	6	)	)	PUNCT
fsr-3389	85	7	investigate	investigate	VERB
fsr-3389	85	8	two	two	NUM
fsr-3389	85	9	changes	change	NOUN
fsr-3389	85	10	to	to	PART
fsr-3389	85	11	sbp	sbp	NOUN
fsr-3389	85	12	that	that	PRON
fsr-3389	85	13	took	take	VERB
fsr-3389	85	14	effect	effect	NOUN
fsr-3389	85	15	in	in	ADP
fsr-3389	85	16	2008	2008	NUM
fsr-3389	85	17	.	.	PUNCT
fsr-3389	86	1	first	first	ADV
fsr-3389	86	2	,	,	PUNCT
fsr-3389	86	3	a	a	DET
fsr-3389	86	4	30	30	NUM
fsr-3389	86	5	-	-	PUNCT
fsr-3389	86	6	year	year	NOUN
fsr-3389	86	7	maximum	maximum	ADJ
fsr-3389	86	8	payment	payment	NOUN
fsr-3389	86	9	timeframe	timeframe	NOUN
fsr-3389	86	10	was	be	AUX
fsr-3389	86	11	then	then	ADV
fsr-3389	86	12	implemented	implement	VERB
fsr-3389	86	13	.	.	PUNCT
fsr-3389	87	1	second	second	ADJ
fsr-3389	87	2	,	,	PUNCT
fsr-3389	87	3	an	an	DET
fsr-3389	87	4	offset	offset	ADJ
fsr-3389	87	5	feature	feature	NOUN
fsr-3389	87	6	that	that	PRON
fsr-3389	87	7	reduced	reduce	VERB
fsr-3389	87	8	sbp	sbp	NOUN
fsr-3389	87	9	benefits	benefit	NOUN
fsr-3389	87	10	for	for	ADP
fsr-3389	87	11	social	social	ADJ
fsr-3389	87	12	security	security	NOUN
fsr-3389	87	13	income	income	NOUN
fsr-3389	87	14	was	be	AUX
fsr-3389	87	15	eliminated	eliminate	VERB
fsr-3389	87	16	.	.	PUNCT
fsr-3389	88	1	the	the	DET
fsr-3389	88	2	authors	author	NOUN
fsr-3389	88	3	find	find	VERB
fsr-3389	88	4	that	that	SCONJ
fsr-3389	88	5	with	with	ADP
fsr-3389	88	6	these	these	DET
fsr-3389	88	7	changes	change	NOUN
fsr-3389	88	8	the	the	DET
fsr-3389	88	9	average	average	ADJ
fsr-3389	88	10	implied	imply	VERB
fsr-3389	88	11	rate	rate	NOUN
fsr-3389	88	12	of	of	ADP
fsr-3389	88	13	return	return	NOUN
fsr-3389	88	14	to	to	ADP
fsr-3389	88	15	sbp	sbp	PROPN
fsr-3389	88	16	is	be	AUX
fsr-3389	88	17	a	a	DET
fsr-3389	88	18	riskless	riskless	NOUN
fsr-3389	88	19	6.8	6.8	NUM
fsr-3389	88	20	%	%	NOUN
fsr-3389	88	21	for	for	ADP
fsr-3389	88	22	a	a	DET
fsr-3389	88	23	45	45	NUM
fsr-3389	88	24	-	-	PUNCT
fsr-3389	88	25	year	year	NOUN
fsr-3389	88	26	-	-	PUNCT
fsr-3389	88	27	old	old	ADJ
fsr-3389	88	28	couple	couple	NOUN
fsr-3389	88	29	,	,	PUNCT
fsr-3389	88	30	suggesting	suggest	VERB
fsr-3389	88	31	the	the	DET
fsr-3389	88	32	program	program	NOUN
fsr-3389	88	33	returns	return	NOUN
fsr-3389	88	34	make	make	VERB
fsr-3389	88	35	it	it	PRON
fsr-3389	88	36	quite	quite	ADV
fsr-3389	88	37	appealing	appealing	ADJ
fsr-3389	88	38	.	.	PUNCT
fsr-3389	89	1	implied	imply	VERB
fsr-3389	89	2	returns	return	NOUN
fsr-3389	89	3	are	be	AUX
fsr-3389	89	4	especially	especially	ADV
fsr-3389	89	5	generous	generous	ADJ
fsr-3389	89	6	for	for	ADP
fsr-3389	89	7	male	male	ADJ
fsr-3389	89	8	retirees	retiree	NOUN
fsr-3389	89	9	who	who	PRON
fsr-3389	89	10	have	have	VERB
fsr-3389	89	11	younger	young	ADJ
fsr-3389	89	12	female	female	ADJ
fsr-3389	89	13	spouses	spouse	NOUN
fsr-3389	89	14	.	.	PUNCT
fsr-3389	90	1	150	150	NUM
fsr-3389	90	2	w.w	w.w	PROPN
fsr-3389	90	3	.	.	PROPN
fsr-3389	90	4	jennings	jennings	PROPN
fsr-3389	90	5	et	et	PROPN
fsr-3389	90	6	al	al	PROPN
fsr-3389	90	7	.	.	PUNCT
fsr-3389	90	8	/	/	SYM
fsr-3389	90	9	financial	financial	ADJ
fsr-3389	90	10	services	service	NOUN
fsr-3389	90	11	review	review	VERB
fsr-3389	90	12	27	27	NUM
fsr-3389	90	13	(	(	PUNCT
fsr-3389	90	14	2018	2018	NUM
fsr-3389	90	15	)	)	PUNCT
fsr-3389	90	16	147	147	NUM
fsr-3389	90	17	-	-	SYM
fsr-3389	90	18	172	172	NUM
fsr-3389	91	1	this	this	DET
fsr-3389	91	2	study	study	NOUN
fsr-3389	91	3	extends	extend	VERB
fsr-3389	91	4	the	the	DET
fsr-3389	91	5	sbp	sbp	NOUN
fsr-3389	91	6	analysis	analysis	NOUN
fsr-3389	91	7	of	of	ADP
fsr-3389	91	8	davis	davis	PROPN
fsr-3389	91	9	and	and	CCONJ
fsr-3389	91	10	fraser	fraser	PROPN
fsr-3389	91	11	(	(	PUNCT
fsr-3389	91	12	2012	2012	NUM
fsr-3389	91	13	)	)	PUNCT
fsr-3389	91	14	in	in	ADP
fsr-3389	91	15	ways	way	NOUN
fsr-3389	91	16	they	they	PRON
fsr-3389	91	17	recommend	recommend	VERB
fsr-3389	91	18	and	and	CCONJ
fsr-3389	91	19	reaches	reach	VERB
fsr-3389	91	20	more	more	ADV
fsr-3389	91	21	muted	muted	ADJ
fsr-3389	91	22	conclusions	conclusion	NOUN
fsr-3389	91	23	.	.	PUNCT
fsr-3389	92	1	first	first	ADV
fsr-3389	92	2	,	,	PUNCT
fsr-3389	92	3	we	we	PRON
fsr-3389	92	4	utilize	utilize	VERB
fsr-3389	92	5	life	life	NOUN
fsr-3389	92	6	expectancy	expectancy	NOUN
fsr-3389	92	7	tables	table	NOUN
fsr-3389	92	8	for	for	ADP
fsr-3389	92	9	military	military	ADJ
fsr-3389	92	10	members	member	NOUN
fsr-3389	92	11	rather	rather	ADV
fsr-3389	92	12	than	than	ADP
fsr-3389	92	13	using	use	VERB
fsr-3389	92	14	those	those	PRON
fsr-3389	92	15	for	for	ADP
fsr-3389	92	16	the	the	DET
fsr-3389	92	17	general	general	ADJ
fsr-3389	92	18	population	population	NOUN
fsr-3389	92	19	.	.	PUNCT
fsr-3389	93	1	the	the	DET
fsr-3389	93	2	difference	difference	NOUN
fsr-3389	93	3	is	be	AUX
fsr-3389	93	4	nontrivial	nontrivial	ADJ
fsr-3389	93	5	.	.	PUNCT
fsr-3389	94	1	service	service	NOUN
fsr-3389	94	2	members	member	NOUN
fsr-3389	94	3	are	be	AUX
fsr-3389	94	4	subject	subject	ADJ
fsr-3389	94	5	to	to	ADP
fsr-3389	94	6	extensive	extensive	ADJ
fsr-3389	94	7	initial	initial	ADJ
fsr-3389	94	8	health	health	NOUN
fsr-3389	94	9	screenings	screening	NOUN
fsr-3389	94	10	and	and	CCONJ
fsr-3389	94	11	then	then	ADV
fsr-3389	94	12	mandatory	mandatory	ADJ
fsr-3389	94	13	annual	annual	ADJ
fsr-3389	94	14	physical	physical	ADJ
fsr-3389	94	15	fitness	fitness	NOUN
fsr-3389	94	16	tests	test	NOUN
fsr-3389	94	17	required	require	VERB
fsr-3389	94	18	to	to	PART
fsr-3389	94	19	remain	remain	VERB
fsr-3389	94	20	in	in	ADP
fsr-3389	94	21	the	the	DET
fsr-3389	94	22	service	service	NOUN
fsr-3389	94	23	.	.	PUNCT
fsr-3389	95	1	military	military	ADJ
fsr-3389	95	2	members	member	NOUN
fsr-3389	95	3	also	also	ADV
fsr-3389	95	4	undergo	undergo	VERB
fsr-3389	95	5	routine	routine	ADJ
fsr-3389	95	6	preventive	preventive	ADJ
fsr-3389	95	7	health	health	NOUN
fsr-3389	95	8	exams	exam	NOUN
fsr-3389	95	9	that	that	PRON
fsr-3389	95	10	sometimes	sometimes	ADV
fsr-3389	95	11	lead	lead	VERB
fsr-3389	95	12	to	to	AUX
fsr-3389	95	13	preretirement	preretirement	VERB
fsr-3389	95	14	medically	medically	ADV
fsr-3389	95	15	-	-	PUNCT
fsr-3389	95	16	based	base	VERB
fsr-3389	95	17	diagnoses	diagnosis	NOUN
fsr-3389	95	18	that	that	PRON
fsr-3389	95	19	can	can	AUX
fsr-3389	95	20	lead	lead	VERB
fsr-3389	95	21	to	to	ADP
fsr-3389	95	22	separation	separation	NOUN
fsr-3389	95	23	from	from	ADP
fsr-3389	95	24	service	service	NOUN
fsr-3389	95	25	.	.	PUNCT
fsr-3389	96	1	accounting	account	VERB
fsr-3389	96	2	for	for	ADP
fsr-3389	96	3	these	these	DET
fsr-3389	96	4	factors	factor	NOUN
fsr-3389	96	5	leads	lead	VERB
fsr-3389	96	6	to	to	ADP
fsr-3389	96	7	a	a	DET
fsr-3389	96	8	life	life	NOUN
fsr-3389	96	9	expectancy	expectancy	NOUN
fsr-3389	96	10	for	for	ADP
fsr-3389	96	11	military	military	ADJ
fsr-3389	96	12	retirees	retiree	NOUN
fsr-3389	96	13	(	(	PUNCT
fsr-3389	96	14	i.e.	i.e.	X
fsr-3389	96	15	,	,	PUNCT
fsr-3389	96	16	those	those	PRON
fsr-3389	96	17	who	who	PRON
fsr-3389	96	18	serve	serve	VERB
fsr-3389	96	19	20	20	NUM
fsr-3389	96	20	-	-	PUNCT
fsr-3389	96	21	plus	plus	CCONJ
fsr-3389	96	22	years	year	NOUN
fsr-3389	96	23	)	)	PUNCT
fsr-3389	96	24	that	that	PRON
fsr-3389	96	25	is	be	AUX
fsr-3389	96	26	significantly	significantly	ADV
fsr-3389	96	27	higher	high	ADJ
fsr-3389	96	28	than	than	ADP
fsr-3389	96	29	for	for	ADP
fsr-3389	96	30	the	the	DET
fsr-3389	96	31	general	general	ADJ
fsr-3389	96	32	population	population	NOUN
fsr-3389	96	33	.	.	PUNCT
fsr-3389	97	1	the	the	DET
fsr-3389	97	2	sbp	sbp	PROPN
fsr-3389	97	3	experiences	experience	VERB
fsr-3389	97	4	a	a	DET
fsr-3389	97	5	smaller	small	ADJ
fsr-3389	97	6	adverse	adverse	ADJ
fsr-3389	97	7	selection	selection	NOUN
fsr-3389	97	8	problem	problem	NOUN
fsr-3389	97	9	than	than	ADP
fsr-3389	97	10	other	other	ADJ
fsr-3389	97	11	insurance	insurance	NOUN
fsr-3389	97	12	programs	program	NOUN
fsr-3389	97	13	.	.	PUNCT
fsr-3389	98	1	further	far	ADV
fsr-3389	98	2	,	,	PUNCT
fsr-3389	98	3	given	give	VERB
fsr-3389	98	4	that	that	SCONJ
fsr-3389	98	5	most	most	ADJ
fsr-3389	98	6	military	military	ADJ
fsr-3389	98	7	members	member	NOUN
fsr-3389	98	8	are	be	AUX
fsr-3389	98	9	not	not	PART
fsr-3389	98	10	married	married	ADJ
fsr-3389	98	11	to	to	ADP
fsr-3389	98	12	other	other	ADJ
fsr-3389	98	13	military	military	ADJ
fsr-3389	98	14	members	member	NOUN
fsr-3389	98	15	,	,	PUNCT
fsr-3389	98	16	the	the	DET
fsr-3389	98	17	typical	typical	ADJ
fsr-3389	98	18	retiree	retiree	PROPN
fsr-3389	98	19	spouse	spouse	NOUN
fsr-3389	98	20	has	have	VERB
fsr-3389	98	21	a	a	DET
fsr-3389	98	22	life	life	NOUN
fsr-3389	98	23	expectancy	expectancy	NOUN
fsr-3389	98	24	more	more	ADV
fsr-3389	98	25	closely	closely	ADV
fsr-3389	98	26	approximated	approximate	VERB
fsr-3389	98	27	by	by	ADP
fsr-3389	98	28	the	the	DET
fsr-3389	98	29	general	general	ADJ
fsr-3389	98	30	population	population	NOUN
fsr-3389	98	31	.	.	PUNCT
fsr-3389	99	1	as	as	ADP
fsr-3389	99	2	a	a	DET
fsr-3389	99	3	result	result	NOUN
fsr-3389	99	4	,	,	PUNCT
fsr-3389	99	5	the	the	DET
fsr-3389	99	6	probability	probability	NOUN
fsr-3389	99	7	of	of	ADP
fsr-3389	99	8	a	a	DET
fsr-3389	99	9	spouse	spouse	NOUN
fsr-3389	99	10	collecting	collect	VERB
fsr-3389	99	11	sbp	sbp	NOUN
fsr-3389	99	12	diminishes	diminish	VERB
fsr-3389	99	13	substantially	substantially	ADV
fsr-3389	99	14	.	.	PUNCT
fsr-3389	100	1	in	in	ADP
fsr-3389	100	2	contrast	contrast	NOUN
fsr-3389	100	3	to	to	ADP
fsr-3389	100	4	prior	prior	ADJ
fsr-3389	100	5	analyses	analysis	NOUN
fsr-3389	100	6	,	,	PUNCT
fsr-3389	100	7	using	use	VERB
fsr-3389	100	8	military	military	ADJ
fsr-3389	100	9	-	-	PUNCT
fsr-3389	100	10	relevant	relevant	ADJ
fsr-3389	100	11	life	life	NOUN
fsr-3389	100	12	expectancy	expectancy	NOUN
fsr-3389	100	13	tables	table	NOUN
fsr-3389	100	14	reduces	reduce	VERB
fsr-3389	100	15	the	the	DET
fsr-3389	100	16	financial	financial	ADJ
fsr-3389	100	17	appeal	appeal	NOUN
fsr-3389	100	18	of	of	ADP
fsr-3389	100	19	sbp	sbp	NOUN
fsr-3389	100	20	.	.	PUNCT
fsr-3389	101	1	other	other	ADJ
fsr-3389	101	2	contributions	contribution	NOUN
fsr-3389	101	3	of	of	ADP
fsr-3389	101	4	this	this	DET
fsr-3389	101	5	study	study	NOUN
fsr-3389	101	6	address	address	NOUN
fsr-3389	101	7	recommendations	recommendation	NOUN
fsr-3389	101	8	proposed	propose	VERB
fsr-3389	101	9	in	in	ADP
fsr-3389	101	10	beatty	beatty	PROPN
fsr-3389	101	11	and	and	CCONJ
fsr-3389	101	12	kang	kang	PROPN
fsr-3389	101	13	(	(	PUNCT
fsr-3389	101	14	2007	2007	NUM
fsr-3389	101	15	)	)	PUNCT
fsr-3389	101	16	.	.	PUNCT
fsr-3389	102	1	that	that	PRON
fsr-3389	102	2	is	is	ADV
fsr-3389	102	3	,	,	PUNCT
fsr-3389	102	4	we	we	PRON
fsr-3389	102	5	provide	provide	VERB
fsr-3389	102	6	a	a	DET
fsr-3389	102	7	rich	rich	ADJ
fsr-3389	102	8	set	set	NOUN
fsr-3389	102	9	of	of	ADP
fsr-3389	102	10	life	life	NOUN
fsr-3389	102	11	expectancy	expectancy	NOUN
fsr-3389	102	12	distribution	distribution	NOUN
fsr-3389	102	13	data	datum	NOUN
fsr-3389	102	14	,	,	PUNCT
fsr-3389	102	15	absolute	absolute	ADJ
fsr-3389	102	16	payoff	payoff	NOUN
fsr-3389	102	17	data	datum	NOUN
fsr-3389	102	18	,	,	PUNCT
fsr-3389	102	19	and	and	CCONJ
fsr-3389	102	20	expected	expect	VERB
fsr-3389	102	21	payoff	payoff	NOUN
fsr-3389	102	22	distribution	distribution	NOUN
fsr-3389	102	23	data	datum	NOUN
fsr-3389	102	24	for	for	ADP
fsr-3389	102	25	a	a	DET
fsr-3389	102	26	variety	variety	NOUN
fsr-3389	102	27	of	of	ADP
fsr-3389	102	28	member	member	NOUN
fsr-3389	102	29	-	-	PUNCT
fsr-3389	102	30	spouse	spouse	NOUN
fsr-3389	102	31	mortality	mortality	NOUN
fsr-3389	102	32	combinations	combination	NOUN
fsr-3389	102	33	,	,	PUNCT
fsr-3389	102	34	to	to	PART
fsr-3389	102	35	include	include	VERB
fsr-3389	102	36	child	child	NOUN
fsr-3389	102	37	-	-	PUNCT
fsr-3389	102	38	only	only	ADV
fsr-3389	102	39	sbp	sbp	NOUN
fsr-3389	102	40	coverage	coverage	NOUN
fsr-3389	102	41	(	(	PUNCT
fsr-3389	102	42	the	the	DET
fsr-3389	102	43	online	online	ADJ
fsr-3389	102	44	calculator	calculator	NOUN
fsr-3389	102	45	allows	allow	VERB
fsr-3389	102	46	myriad	myriad	ADJ
fsr-3389	102	47	age	age	NOUN
fsr-3389	102	48	and	and	CCONJ
fsr-3389	102	49	status	status	NOUN
fsr-3389	102	50	combinations	combination	NOUN
fsr-3389	102	51	;	;	PUNCT
fsr-3389	102	52	however	however	ADV
fsr-3389	102	53	,	,	PUNCT
fsr-3389	102	54	this	this	DET
fsr-3389	102	55	article	article	NOUN
fsr-3389	102	56	depicts	depict	VERB
fsr-3389	102	57	the	the	DET
fsr-3389	102	58	most	most	ADV
fsr-3389	102	59	statistically	statistically	ADV
fsr-3389	102	60	common	common	ADJ
fsr-3389	102	61	scenario	scenario	NOUN
fsr-3389	102	62	for	for	ADP
fsr-3389	102	63	illustration	illustration	NOUN
fsr-3389	102	64	purposes	purpose	NOUN
fsr-3389	102	65	)	)	PUNCT
fsr-3389	102	66	.	.	PUNCT
fsr-3389	103	1	we	we	PRON
fsr-3389	103	2	provide	provide	VERB
fsr-3389	103	3	this	this	DET
fsr-3389	103	4	analysis	analysis	NOUN
fsr-3389	103	5	for	for	ADP
fsr-3389	103	6	both	both	CCONJ
fsr-3389	103	7	the	the	DET
fsr-3389	103	8	sbp	sbp	NOUN
fsr-3389	103	9	option	option	NOUN
fsr-3389	103	10	as	as	ADV
fsr-3389	103	11	well	well	ADV
fsr-3389	103	12	as	as	ADP
fsr-3389	103	13	a	a	DET
fsr-3389	103	14	viable	viable	ADJ
fsr-3389	103	15	cost	cost	NOUN
fsr-3389	103	16	-	-	PUNCT
fsr-3389	103	17	neutral	neutral	ADJ
fsr-3389	103	18	alternative	alternative	NOUN
fsr-3389	103	19	,	,	PUNCT
fsr-3389	103	20	which	which	PRON
fsr-3389	103	21	includes	include	VERB
fsr-3389	103	22	purchasing	purchase	VERB
fsr-3389	103	23	privately	privately	ADV
fsr-3389	103	24	-	-	PUNCT
fsr-3389	103	25	issued	issue	VERB
fsr-3389	103	26	level	level	NOUN
fsr-3389	103	27	-	-	PUNCT
fsr-3389	103	28	term	term	NOUN
fsr-3389	103	29	life	life	NOUN
fsr-3389	103	30	insurance	insurance	NOUN
fsr-3389	103	31	coupled	couple	VERB
fsr-3389	103	32	with	with	ADP
fsr-3389	103	33	investing	invest	VERB
fsr-3389	103	34	the	the	DET
fsr-3389	103	35	difference	difference	NOUN
fsr-3389	103	36	between	between	ADP
fsr-3389	103	37	these	these	DET
fsr-3389	103	38	private	private	ADJ
fsr-3389	103	39	premiums	premium	NOUN
fsr-3389	103	40	and	and	CCONJ
fsr-3389	103	41	the	the	DET
fsr-3389	103	42	sbp	sbp	NOUN
fsr-3389	103	43	premiums	premium	NOUN
fsr-3389	103	44	.	.	PUNCT
fsr-3389	104	1	instead	instead	ADV
fsr-3389	104	2	of	of	ADP
fsr-3389	104	3	simulating	simulate	VERB
fsr-3389	104	4	possible	possible	ADJ
fsr-3389	104	5	member	member	NOUN
fsr-3389	104	6	-	-	PUNCT
fsr-3389	104	7	spouse	spouse	NOUN
fsr-3389	104	8	mortality	mortality	NOUN
fsr-3389	104	9	scenarios	scenario	NOUN
fsr-3389	104	10	,	,	PUNCT
fsr-3389	104	11	we	we	PRON
fsr-3389	104	12	provide	provide	VERB
fsr-3389	104	13	the	the	DET
fsr-3389	104	14	joint	joint	ADJ
fsr-3389	104	15	life	life	NOUN
fsr-3389	104	16	expectancy	expectancy	NOUN
fsr-3389	104	17	distribution	distribution	NOUN
fsr-3389	104	18	for	for	ADP
fsr-3389	104	19	individual	individual	ADJ
fsr-3389	104	20	couples	couple	NOUN
fsr-3389	104	21	.	.	PUNCT
fsr-3389	105	1	this	this	PRON
fsr-3389	105	2	allows	allow	VERB
fsr-3389	105	3	military	military	ADJ
fsr-3389	105	4	members	member	NOUN
fsr-3389	105	5	to	to	PART
fsr-3389	105	6	identify	identify	VERB
fsr-3389	105	7	the	the	DET
fsr-3389	105	8	tradeoffs	tradeoff	NOUN
fsr-3389	105	9	associated	associate	VERB
fsr-3389	105	10	with	with	ADP
fsr-3389	105	11	sbp	sbp	NOUN
fsr-3389	105	12	decision	decision	NOUN
fsr-3389	105	13	by	by	ADP
fsr-3389	105	14	forecasting	forecast	VERB
fsr-3389	105	15	a	a	DET
fsr-3389	105	16	very	very	ADV
fsr-3389	105	17	wide	wide	ADJ
fsr-3389	105	18	spectrum	spectrum	NOUN
fsr-3389	105	19	of	of	ADP
fsr-3389	105	20	possible	possible	ADJ
fsr-3389	105	21	outcomes	outcome	NOUN
fsr-3389	105	22	based	base	VERB
fsr-3389	105	23	on	on	ADP
fsr-3389	105	24	their	their	PRON
fsr-3389	105	25	unique	unique	ADJ
fsr-3389	105	26	circumstances	circumstance	NOUN
fsr-3389	105	27	.	.	PUNCT
fsr-3389	106	1	furthermore	furthermore	ADV
fsr-3389	106	2	,	,	PUNCT
fsr-3389	106	3	we	we	PRON
fsr-3389	106	4	present	present	VERB
fsr-3389	106	5	the	the	DET
fsr-3389	106	6	entire	entire	ADJ
fsr-3389	106	7	outcome	outcome	NOUN
fsr-3389	106	8	space	space	NOUN
fsr-3389	106	9	,	,	PUNCT
fsr-3389	106	10	which	which	PRON
fsr-3389	106	11	accurately	accurately	ADV
fsr-3389	106	12	depicts	depict	VERB
fsr-3389	106	13	the	the	DET
fsr-3389	106	14	proportion	proportion	NOUN
fsr-3389	106	15	of	of	ADP
fsr-3389	106	16	probable	probable	ADJ
fsr-3389	106	17	sbp	sbp	NOUN
fsr-3389	106	18	“	"	PUNCT
fsr-3389	106	19	winners	winner	NOUN
fsr-3389	106	20	”	"	PUNCT
fsr-3389	106	21	and	and	CCONJ
fsr-3389	106	22	“	"	PUNCT
fsr-3389	106	23	losers	loser	NOUN
fsr-3389	106	24	”	"	PUNCT
fsr-3389	106	25	for	for	ADP
fsr-3389	106	26	the	the	DET
fsr-3389	106	27	first	first	ADJ
fsr-3389	106	28	time	time	NOUN
fsr-3389	106	29	.	.	PUNCT
fsr-3389	107	1	this	this	DET
fsr-3389	107	2	approach	approach	NOUN
fsr-3389	107	3	enables	enable	VERB
fsr-3389	107	4	one	one	NUM
fsr-3389	107	5	to	to	PART
fsr-3389	107	6	better	well	ADV
fsr-3389	107	7	view	view	VERB
fsr-3389	107	8	the	the	DET
fsr-3389	107	9	mortality	mortality	NOUN
fsr-3389	107	10	landscape	landscape	NOUN
fsr-3389	107	11	and	and	CCONJ
fsr-3389	107	12	the	the	DET
fsr-3389	107	13	associated	associated	ADJ
fsr-3389	107	14	skewness	skewness	NOUN
fsr-3389	107	15	in	in	ADP
fsr-3389	107	16	the	the	DET
fsr-3389	107	17	payoff	payoff	NOUN
fsr-3389	107	18	distribution	distribution	NOUN
fsr-3389	107	19	.	.	PUNCT
fsr-3389	108	1	3	3	X
fsr-3389	108	2	.	.	X
fsr-3389	108	3	data	datum	NOUN
fsr-3389	108	4	and	and	CCONJ
fsr-3389	108	5	methodology	methodology	NOUN
fsr-3389	108	6	it	it	PRON
fsr-3389	108	7	is	be	AUX
fsr-3389	108	8	important	important	ADJ
fsr-3389	108	9	to	to	PART
fsr-3389	108	10	recognize	recognize	VERB
fsr-3389	108	11	that	that	SCONJ
fsr-3389	108	12	on	on	ADP
fsr-3389	108	13	average	average	ADJ
fsr-3389	108	14	sbp	sbp	NOUN
fsr-3389	108	15	-	-	PUNCT
fsr-3389	108	16	insured	insure	VERB
fsr-3389	108	17	military	military	ADJ
fsr-3389	108	18	officers	officer	NOUN
fsr-3389	108	19	live	live	VERB
fsr-3389	108	20	longer	long	ADJ
fsr-3389	108	21	lives	life	NOUN
fsr-3389	108	22	.	.	PUNCT
fsr-3389	109	1	just	just	ADV
fsr-3389	109	2	as	as	SCONJ
fsr-3389	109	3	the	the	DET
fsr-3389	109	4	social	social	ADJ
fsr-3389	109	5	security	security	NOUN
fsr-3389	109	6	administration	administration	NOUN
fsr-3389	109	7	(	(	PUNCT
fsr-3389	109	8	ssa	ssa	NOUN
fsr-3389	109	9	)	)	PUNCT
fsr-3389	109	10	calculates	calculate	VERB
fsr-3389	109	11	life	life	NOUN
fsr-3389	109	12	expectancy	expectancy	NOUN
fsr-3389	109	13	tables	table	NOUN
fsr-3389	109	14	for	for	ADP
fsr-3389	109	15	the	the	DET
fsr-3389	109	16	general	general	ADJ
fsr-3389	109	17	u.s	u.s	PROPN
fsr-3389	109	18	.	.	PROPN
fsr-3389	109	19	population	population	NOUN
fsr-3389	109	20	,	,	PUNCT
fsr-3389	109	21	the	the	DET
fsr-3389	109	22	dod	dod	PROPN
fsr-3389	109	23	actuary	actuary	NOUN
fsr-3389	109	24	generates	generate	VERB
fsr-3389	109	25	tables	table	NOUN
fsr-3389	109	26	for	for	ADP
fsr-3389	109	27	military	military	ADJ
fsr-3389	109	28	retirees.5	retirees.5	PROPN
fsr-3389	109	29	fig	fig	NOUN
fsr-3389	109	30	.	.	PUNCT
fsr-3389	110	1	1	1	NUM
fsr-3389	110	2	shows	show	VERB
fsr-3389	110	3	that	that	SCONJ
fsr-3389	110	4	military	military	ADJ
fsr-3389	110	5	officer	officer	NOUN
fsr-3389	110	6	retirees	retiree	NOUN
fsr-3389	110	7	have	have	VERB
fsr-3389	110	8	markedly	markedly	ADV
fsr-3389	110	9	higher	high	ADJ
fsr-3389	110	10	survival	survival	NOUN
fsr-3389	110	11	rates	rate	NOUN
fsr-3389	110	12	at	at	ADP
fsr-3389	110	13	every	every	DET
fsr-3389	110	14	age	age	NOUN
fsr-3389	110	15	relative	relative	ADJ
fsr-3389	110	16	to	to	ADP
fsr-3389	110	17	general	general	ADJ
fsr-3389	110	18	population	population	NOUN
fsr-3389	110	19	men	man	NOUN
fsr-3389	110	20	and	and	CCONJ
fsr-3389	110	21	women	woman	NOUN
fsr-3389	110	22	.	.	PUNCT
fsr-3389	111	1	while	while	SCONJ
fsr-3389	111	2	data	datum	NOUN
fsr-3389	111	3	for	for	ADP
fsr-3389	111	4	first	first	ADJ
fsr-3389	111	5	responders	responder	NOUN
fsr-3389	111	6	are	be	AUX
fsr-3389	111	7	not	not	PART
fsr-3389	111	8	available	available	ADJ
fsr-3389	111	9	to	to	ADP
fsr-3389	111	10	us	we	PRON
fsr-3389	111	11	,	,	PUNCT
fsr-3389	111	12	we	we	PRON
fsr-3389	111	13	posit	posit	VERB
fsr-3389	111	14	that	that	SCONJ
fsr-3389	111	15	their	their	PRON
fsr-3389	111	16	life	life	NOUN
fsr-3389	111	17	expectancies	expectancy	NOUN
fsr-3389	111	18	approximate	approximate	VERB
fsr-3389	111	19	those	those	PRON
fsr-3389	111	20	of	of	ADP
fsr-3389	111	21	military	military	ADJ
fsr-3389	111	22	members	member	NOUN
fsr-3389	111	23	more	more	ADV
fsr-3389	111	24	closely	closely	ADV
fsr-3389	111	25	than	than	ADP
fsr-3389	111	26	those	those	PRON
fsr-3389	111	27	of	of	ADP
fsr-3389	111	28	the	the	DET
fsr-3389	111	29	general	general	ADJ
fsr-3389	111	30	population	population	NOUN
fsr-3389	111	31	given	give	VERB
fsr-3389	111	32	similarities	similarity	NOUN
fsr-3389	111	33	in	in	ADP
fsr-3389	111	34	health	health	NOUN
fsr-3389	111	35	screening	screening	NOUN
fsr-3389	111	36	,	,	PUNCT
fsr-3389	111	37	physical	physical	ADJ
fsr-3389	111	38	training	training	NOUN
fsr-3389	111	39	,	,	PUNCT
fsr-3389	111	40	job	job	NOUN
fsr-3389	111	41	-	-	PUNCT
fsr-3389	111	42	related	relate	VERB
fsr-3389	111	43	physical	physical	ADJ
fsr-3389	111	44	requirements	requirement	NOUN
fsr-3389	111	45	,	,	PUNCT
fsr-3389	111	46	and	and	CCONJ
fsr-3389	111	47	job	job	NOUN
fsr-3389	111	48	-	-	PUNCT
fsr-3389	111	49	related	relate	VERB
fsr-3389	111	50	risk	risk	NOUN
fsr-3389	111	51	.	.	PUNCT
fsr-3389	112	1	on	on	ADP
fsr-3389	112	2	the	the	DET
fsr-3389	112	3	beneficiary	beneficiary	ADJ
fsr-3389	112	4	side	side	NOUN
fsr-3389	112	5	of	of	ADP
fsr-3389	112	6	the	the	DET
fsr-3389	112	7	equation	equation	NOUN
fsr-3389	112	8	,	,	PUNCT
fsr-3389	112	9	it	it	PRON
fsr-3389	112	10	is	be	AUX
fsr-3389	112	11	important	important	ADJ
fsr-3389	112	12	to	to	PART
fsr-3389	112	13	recognize	recognize	VERB
fsr-3389	112	14	that	that	SCONJ
fsr-3389	112	15	according	accord	VERB
fsr-3389	112	16	to	to	ADP
fsr-3389	112	17	the	the	DET
fsr-3389	112	18	dod	dod	PROPN
fsr-3389	112	19	actuary	actuary	NOUN
fsr-3389	112	20	,	,	PUNCT
fsr-3389	112	21	military	military	ADJ
fsr-3389	112	22	spouses	spouse	NOUN
fsr-3389	112	23	unfortunately	unfortunately	ADV
fsr-3389	112	24	do	do	AUX
fsr-3389	112	25	not	not	PART
fsr-3389	112	26	experience	experience	VERB
fsr-3389	112	27	the	the	DET
fsr-3389	112	28	same	same	ADJ
fsr-3389	112	29	expected	expect	VERB
fsr-3389	112	30	longevity	longevity	NOUN
fsr-3389	112	31	as	as	ADP
fsr-3389	112	32	the	the	DET
fsr-3389	112	33	retired	retired	ADJ
fsr-3389	112	34	military	military	ADJ
fsr-3389	112	35	members	member	NOUN
fsr-3389	112	36	.	.	PUNCT
fsr-3389	113	1	currently	currently	ADV
fsr-3389	113	2	,	,	PUNCT
fsr-3389	113	3	most	most	ADJ
fsr-3389	113	4	military	military	ADJ
fsr-3389	113	5	retirees	retiree	NOUN
fsr-3389	113	6	are	be	AUX
fsr-3389	113	7	males	male	NOUN
fsr-3389	113	8	(	(	PUNCT
fsr-3389	113	9	90%	90%	NUM
fsr-3389	113	10	�	�	NOUN
fsr-3389	113	11	),6	),6	PUNCT
fsr-3389	113	12	and	and	CCONJ
fsr-3389	113	13	151w.w	151w.w	PROPN
fsr-3389	113	14	.	.	PUNCT
fsr-3389	114	1	jennings	jennings	PROPN
fsr-3389	114	2	et	et	PROPN
fsr-3389	114	3	al	al	PROPN
fsr-3389	114	4	.	.	PUNCT
fsr-3389	114	5	/	/	SYM
fsr-3389	114	6	financial	financial	ADJ
fsr-3389	114	7	services	service	NOUN
fsr-3389	114	8	review	review	VERB
fsr-3389	114	9	27	27	NUM
fsr-3389	114	10	(	(	PUNCT
fsr-3389	114	11	2018	2018	NUM
fsr-3389	114	12	)	)	PUNCT
fsr-3389	114	13	147	147	NUM
fsr-3389	114	14	-	-	SYM
fsr-3389	114	15	172	172	NUM
fsr-3389	114	16	married	married	ADJ
fsr-3389	114	17	military	military	ADJ
fsr-3389	114	18	members	member	NOUN
fsr-3389	114	19	tend	tend	VERB
fsr-3389	114	20	to	to	ADP
fsr-3389	114	21	we	we	PROPN
fsr-3389	114	22	d	d	PROPN
fsr-3389	114	23	non	non	ADJ
fsr-3389	114	24	-	-	ADJ
fsr-3389	114	25	military	military	ADJ
fsr-3389	114	26	spouses	spouse	NOUN
fsr-3389	114	27	(	(	PUNCT
fsr-3389	114	28	90%	90%	NUM
fsr-3389	114	29	�	�	NOUN
fsr-3389	114	30	).7	).7	ADJ
fsr-3389	114	31	these	these	DET
fsr-3389	114	32	unbalanced	unbalanced	ADJ
fsr-3389	114	33	figures	figure	NOUN
fsr-3389	114	34	aid	aid	VERB
fsr-3389	114	35	our	our	PRON
fsr-3389	114	36	analysis	analysis	NOUN
fsr-3389	114	37	,	,	PUNCT
fsr-3389	114	38	because	because	SCONJ
fsr-3389	114	39	the	the	DET
fsr-3389	114	40	dod	dod	PROPN
fsr-3389	114	41	actuary	actuary	NOUN
fsr-3389	114	42	does	do	AUX
fsr-3389	114	43	not	not	PART
fsr-3389	114	44	report	report	VERB
fsr-3389	114	45	retiree	retiree	NOUN
fsr-3389	114	46	and	and	CCONJ
fsr-3389	114	47	spouse	spouse	NOUN
fsr-3389	114	48	tables	table	NOUN
fsr-3389	114	49	by	by	ADP
fsr-3389	114	50	gender	gender	NOUN
fsr-3389	114	51	.	.	PUNCT
fsr-3389	115	1	because	because	SCONJ
fsr-3389	115	2	the	the	DET
fsr-3389	115	3	vast	vast	ADJ
fsr-3389	115	4	majority	majority	NOUN
fsr-3389	115	5	of	of	ADP
fsr-3389	115	6	spouses	spouse	NOUN
fsr-3389	115	7	are	be	AUX
fsr-3389	115	8	female	female	ADJ
fsr-3389	115	9	,	,	PUNCT
fsr-3389	115	10	we	we	PRON
fsr-3389	115	11	can	can	AUX
fsr-3389	115	12	compare	compare	VERB
fsr-3389	115	13	ssa	ssa	NOUN
fsr-3389	115	14	female	female	ADJ
fsr-3389	115	15	probabilities	probability	NOUN
fsr-3389	115	16	to	to	ADP
fsr-3389	115	17	military	military	ADJ
fsr-3389	115	18	retiree	retiree	NOUN
fsr-3389	115	19	spouses	spouse	NOUN
fsr-3389	115	20	.	.	PUNCT
fsr-3389	116	1	fig	fig	NOUN
fsr-3389	116	2	.	.	PUNCT
fsr-3389	117	1	1	1	NUM
fsr-3389	117	2	shows	show	VERB
fsr-3389	117	3	the	the	DET
fsr-3389	117	4	probability	probability	NOUN
fsr-3389	117	5	of	of	ADP
fsr-3389	117	6	survival	survival	NOUN
fsr-3389	117	7	for	for	ADP
fsr-3389	117	8	military	military	ADJ
fsr-3389	117	9	retiree	retiree	NOUN
fsr-3389	117	10	spouses	spouse	NOUN
fsr-3389	117	11	relative	relative	ADJ
fsr-3389	117	12	to	to	ADP
fsr-3389	117	13	the	the	DET
fsr-3389	117	14	general	general	ADJ
fsr-3389	117	15	population	population	NOUN
fsr-3389	117	16	females	female	NOUN
fsr-3389	117	17	.	.	PUNCT
fsr-3389	118	1	retiree	retiree	NOUN
fsr-3389	118	2	spouses	spouse	NOUN
fsr-3389	118	3	have	have	VERB
fsr-3389	118	4	slightly	slightly	ADV
fsr-3389	118	5	higher	high	ADJ
fsr-3389	118	6	survival	survival	NOUN
fsr-3389	118	7	probabilities	probability	NOUN
fsr-3389	118	8	than	than	ADP
fsr-3389	118	9	ssa	ssa	NOUN
fsr-3389	118	10	females	female	NOUN
fsr-3389	118	11	before	before	ADP
fsr-3389	118	12	age	age	NOUN
fsr-3389	118	13	70	70	NUM
fsr-3389	118	14	,	,	PUNCT
fsr-3389	118	15	but	but	CCONJ
fsr-3389	118	16	after	after	ADP
fsr-3389	118	17	age	age	NOUN
fsr-3389	118	18	70	70	NUM
fsr-3389	118	19	they	they	PRON
fsr-3389	118	20	are	be	AUX
fsr-3389	118	21	comparable	comparable	ADJ
fsr-3389	118	22	.	.	PUNCT
fsr-3389	119	1	because	because	SCONJ
fsr-3389	119	2	military	military	ADJ
fsr-3389	119	3	retirees	retiree	NOUN
fsr-3389	119	4	and	and	CCONJ
fsr-3389	119	5	their	their	PRON
fsr-3389	119	6	spouses	spouse	NOUN
fsr-3389	119	7	differ	differ	VERB
fsr-3389	119	8	from	from	ADP
fsr-3389	119	9	the	the	DET
fsr-3389	119	10	general	general	ADJ
fsr-3389	119	11	population	population	NOUN
fsr-3389	119	12	,	,	PUNCT
fsr-3389	119	13	this	this	PRON
fsr-3389	119	14	warrants	warrant	VERB
fsr-3389	119	15	an	an	DET
fsr-3389	119	16	analysis	analysis	NOUN
fsr-3389	119	17	that	that	PRON
fsr-3389	119	18	focuses	focus	VERB
fsr-3389	119	19	on	on	ADP
fsr-3389	119	20	their	their	PRON
fsr-3389	119	21	unique	unique	ADJ
fsr-3389	119	22	life	life	NOUN
fsr-3389	119	23	expectancies	expectancy	NOUN
fsr-3389	119	24	.	.	PUNCT
fsr-3389	120	1	because	because	SCONJ
fsr-3389	120	2	prior	prior	ADJ
fsr-3389	120	3	studies	study	NOUN
fsr-3389	120	4	use	use	VERB
fsr-3389	120	5	ssa	ssa	NOUN
fsr-3389	120	6	life	life	NOUN
fsr-3389	120	7	expectancy	expectancy	NOUN
fsr-3389	120	8	for	for	ADP
fsr-3389	120	9	both	both	CCONJ
fsr-3389	120	10	military	military	ADJ
fsr-3389	120	11	retirees	retiree	NOUN
fsr-3389	120	12	and	and	CCONJ
fsr-3389	120	13	spouses	spouse	NOUN
fsr-3389	120	14	,	,	PUNCT
fsr-3389	120	15	they	they	PRON
fsr-3389	120	16	potentially	potentially	ADV
fsr-3389	120	17	overstate	overstate	VERB
fsr-3389	120	18	the	the	DET
fsr-3389	120	19	sbp	sbp	NOUN
fsr-3389	120	20	value	value	NOUN
fsr-3389	120	21	.	.	PUNCT
fsr-3389	121	1	to	to	PART
fsr-3389	121	2	illustrate	illustrate	VERB
fsr-3389	121	3	our	our	PRON
fsr-3389	121	4	method	method	NOUN
fsr-3389	121	5	and	and	CCONJ
fsr-3389	121	6	showcase	showcase	VERB
fsr-3389	121	7	our	our	PRON
fsr-3389	121	8	results	result	NOUN
fsr-3389	121	9	we	we	PRON
fsr-3389	121	10	use	use	VERB
fsr-3389	121	11	a	a	DET
fsr-3389	121	12	currently	currently	ADV
fsr-3389	121	13	common	common	ADJ
fsr-3389	121	14	officer	officer	NOUN
fsr-3389	121	15	retirement	retirement	PROPN
fsr-3389	121	16	scenario	scenario	PROPN
fsr-3389	121	17	.	.	PUNCT
fsr-3389	122	1	our	our	PRON
fsr-3389	122	2	baseline	baseline	PROPN
fsr-3389	122	3	scenario	scenario	NOUN
fsr-3389	122	4	involves	involve	VERB
fsr-3389	122	5	a	a	DET
fsr-3389	122	6	military	military	ADJ
fsr-3389	122	7	male	male	NOUN
fsr-3389	122	8	retiree	retiree	NOUN
fsr-3389	122	9	age	age	NOUN
fsr-3389	122	10	44	44	NUM
fsr-3389	122	11	married	marry	VERB
fsr-3389	122	12	to	to	ADP
fsr-3389	122	13	a	a	DET
fsr-3389	122	14	non	non	ADJ
fsr-3389	122	15	-	-	ADJ
fsr-3389	122	16	military	military	ADJ
fsr-3389	122	17	female	female	NOUN
fsr-3389	122	18	who	who	PRON
fsr-3389	122	19	is	be	AUX
fsr-3389	122	20	also	also	ADV
fsr-3389	122	21	44	44	NUM
fsr-3389	122	22	years	year	NOUN
fsr-3389	122	23	old	old	ADJ
fsr-3389	122	24	.	.	PUNCT
fsr-3389	123	1	at	at	ADP
fsr-3389	123	2	this	this	DET
fsr-3389	123	3	point	point	NOUN
fsr-3389	123	4	a	a	DET
fsr-3389	123	5	typical	typical	ADJ
fsr-3389	123	6	officer	officer	NOUN
fsr-3389	123	7	would	would	AUX
fsr-3389	123	8	have	have	VERB
fsr-3389	123	9	a	a	DET
fsr-3389	123	10	20–22	20–22	NUM
fsr-3389	123	11	year	year	NOUN
fsr-3389	123	12	career	career	NOUN
fsr-3389	123	13	,	,	PUNCT
fsr-3389	123	14	while	while	SCONJ
fsr-3389	123	15	the	the	DET
fsr-3389	123	16	typical	typical	ADJ
fsr-3389	123	17	enlisted	enlisted	ADJ
fsr-3389	123	18	member	member	NOUN
fsr-3389	123	19	would	would	AUX
fsr-3389	123	20	have	have	VERB
fsr-3389	123	21	a	a	DET
fsr-3389	123	22	22–26	22–26	NUM
fsr-3389	123	23	year	year	NOUN
fsr-3389	123	24	career	career	NOUN
fsr-3389	123	25	.	.	PUNCT
fsr-3389	124	1	the	the	DET
fsr-3389	124	2	officer	officer	NOUN
fsr-3389	124	3	retiree	retiree	PROPN
fsr-3389	124	4	’s	’s	PART
fsr-3389	124	5	insured	insure	VERB
fsr-3389	124	6	amount	amount	NOUN
fsr-3389	124	7	is	be	AUX
fsr-3389	124	8	$	$	SYM
fsr-3389	124	9	55,000	55,000	NUM
fsr-3389	124	10	.	.	PUNCT
fsr-3389	125	1	we	we	PRON
fsr-3389	125	2	further	far	ADV
fsr-3389	125	3	assume	assume	VERB
fsr-3389	125	4	the	the	DET
fsr-3389	125	5	spouse	spouse	NOUN
fsr-3389	125	6	does	do	AUX
fsr-3389	125	7	not	not	PART
fsr-3389	125	8	remarry	remarry	VERB
fsr-3389	125	9	once	once	SCONJ
fsr-3389	125	10	the	the	DET
fsr-3389	125	11	service	service	NOUN
fsr-3389	125	12	member	member	NOUN
fsr-3389	125	13	dies	die	VERB
fsr-3389	125	14	.	.	PUNCT
fsr-3389	126	1	in	in	ADP
fsr-3389	126	2	fact	fact	NOUN
fsr-3389	126	3	,	,	PUNCT
fsr-3389	126	4	if	if	SCONJ
fsr-3389	126	5	a	a	DET
fsr-3389	126	6	beneficiary	beneficiary	NOUN
fsr-3389	126	7	spouse	spouse	NOUN
fsr-3389	126	8	remarries	remarry	VERB
fsr-3389	126	9	before	before	ADP
fsr-3389	126	10	age	age	NOUN
fsr-3389	126	11	55	55	NUM
fsr-3389	126	12	,	,	PUNCT
fsr-3389	126	13	then	then	ADV
fsr-3389	126	14	sbp	sbp	NOUN
fsr-3389	126	15	payouts	payout	NOUN
fsr-3389	126	16	cease	cease	VERB
fsr-3389	126	17	unless	unless	SCONJ
fsr-3389	126	18	the	the	DET
fsr-3389	126	19	remarriage	remarriage	NOUN
fsr-3389	126	20	ends	end	VERB
fsr-3389	126	21	in	in	ADP
fsr-3389	126	22	divorce	divorce	NOUN
fsr-3389	126	23	or	or	CCONJ
fsr-3389	126	24	the	the	DET
fsr-3389	126	25	new	new	ADJ
fsr-3389	126	26	spouse	spouse	NOUN
fsr-3389	126	27	dies	die	VERB
fsr-3389	126	28	.	.	PUNCT
fsr-3389	127	1	we	we	PRON
fsr-3389	127	2	do	do	AUX
fsr-3389	127	3	not	not	PART
fsr-3389	127	4	incorporate	incorporate	VERB
fsr-3389	127	5	this	this	DET
fsr-3389	127	6	remarriage	remarriage	NOUN
fsr-3389	127	7	probability	probability	NOUN
fsr-3389	127	8	.	.	PUNCT
fsr-3389	128	1	the	the	DET
fsr-3389	128	2	value	value	NOUN
fsr-3389	128	3	of	of	ADP
fsr-3389	128	4	sbp	sbp	NOUN
fsr-3389	128	5	would	would	AUX
fsr-3389	128	6	decrease	decrease	VERB
fsr-3389	128	7	relative	relative	ADJ
fsr-3389	128	8	to	to	ADP
fsr-3389	128	9	the	the	DET
fsr-3389	128	10	baseline	baseline	PROPN
fsr-3389	128	11	scenario	scenario	NOUN
fsr-3389	128	12	shown	show	VERB
fsr-3389	128	13	here	here	ADV
fsr-3389	128	14	if	if	SCONJ
fsr-3389	128	15	remarriage	remarriage	NOUN
fsr-3389	128	16	were	be	AUX
fsr-3389	128	17	considered	consider	VERB
fsr-3389	128	18	.	.	PUNCT
fsr-3389	129	1	as	as	ADP
fsr-3389	129	2	for	for	ADP
fsr-3389	129	3	our	our	PRON
fsr-3389	129	4	dollar	dollar	NOUN
fsr-3389	129	5	value	value	NOUN
fsr-3389	129	6	calculations	calculation	NOUN
fsr-3389	129	7	,	,	PUNCT
fsr-3389	129	8	because	because	SCONJ
fsr-3389	129	9	future	future	ADJ
fsr-3389	129	10	sbp	sbp	NOUN
fsr-3389	129	11	premiums	premium	NOUN
fsr-3389	129	12	and	and	CCONJ
fsr-3389	129	13	payouts	payout	NOUN
fsr-3389	129	14	adjust	adjust	VERB
fsr-3389	129	15	with	with	ADP
fsr-3389	129	16	inflation	inflation	NOUN
fsr-3389	129	17	,	,	PUNCT
fsr-3389	129	18	we	we	PRON
fsr-3389	129	19	do	do	AUX
fsr-3389	129	20	not	not	PART
fsr-3389	129	21	use	use	VERB
fsr-3389	129	22	a	a	DET
fsr-3389	129	23	discount	discount	NOUN
fsr-3389	129	24	factor	factor	NOUN
fsr-3389	129	25	to	to	PART
fsr-3389	129	26	adjust	adjust	VERB
fsr-3389	129	27	them.8	them.8	NOUN
fsr-3389	129	28	finally	finally	ADV
fsr-3389	129	29	,	,	PUNCT
fsr-3389	129	30	given	give	VERB
fsr-3389	129	31	our	our	PRON
fsr-3389	129	32	personal	personal	ADJ
fsr-3389	129	33	biases	bias	NOUN
fsr-3389	129	34	,	,	PUNCT
fsr-3389	129	35	we	we	PRON
fsr-3389	129	36	demonstrate	demonstrate	VERB
fsr-3389	129	37	the	the	DET
fsr-3389	129	38	typical	typical	ADJ
fsr-3389	129	39	officer	officer	NOUN
fsr-3389	129	40	retiree	retiree	NOUN
fsr-3389	129	41	calculations	calculation	NOUN
fsr-3389	129	42	,	,	PUNCT
fsr-3389	129	43	summarize	summarize	VERB
fsr-3389	129	44	some	some	DET
fsr-3389	129	45	others	other	NOUN
fsr-3389	129	46	,	,	PUNCT
fsr-3389	129	47	and	and	CCONJ
fsr-3389	129	48	allow	allow	VERB
fsr-3389	129	49	the	the	DET
fsr-3389	129	50	reader	reader	NOUN
fsr-3389	129	51	to	to	PART
fsr-3389	129	52	explore	explore	VERB
fsr-3389	129	53	fig	fig	NOUN
fsr-3389	129	54	.	.	PUNCT
fsr-3389	130	1	1	1	X
fsr-3389	130	2	.	.	X
fsr-3389	130	3	survival	survival	NOUN
fsr-3389	130	4	probability	probability	NOUN
fsr-3389	130	5	of	of	ADP
fsr-3389	130	6	u.s	u.s	PROPN
fsr-3389	130	7	.	.	PROPN
fsr-3389	130	8	citizens	citizens	PROPN
fsr-3389	130	9	,	,	PUNCT
fsr-3389	130	10	u.s	u.s	PROPN
fsr-3389	130	11	.	.	PROPN
fsr-3389	130	12	military	military	ADJ
fsr-3389	130	13	retirees	retiree	NOUN
fsr-3389	130	14	,	,	PUNCT
fsr-3389	130	15	and	and	CCONJ
fsr-3389	130	16	retirees	retiree	NOUN
fsr-3389	130	17	’	’	PART
fsr-3389	130	18	spouses	spouse	NOUN
fsr-3389	130	19	.	.	PUNCT
fsr-3389	131	1	this	this	DET
fsr-3389	131	2	plot	plot	NOUN
fsr-3389	131	3	shows	show	VERB
fsr-3389	131	4	the	the	DET
fsr-3389	131	5	probability	probability	NOUN
fsr-3389	131	6	of	of	ADP
fsr-3389	131	7	survival	survival	NOUN
fsr-3389	131	8	by	by	ADP
fsr-3389	131	9	age	age	NOUN
fsr-3389	131	10	for	for	ADP
fsr-3389	131	11	an	an	DET
fsr-3389	131	12	average	average	ADJ
fsr-3389	131	13	u.s	u.s	PROPN
fsr-3389	131	14	.	.	PROPN
fsr-3389	131	15	male	male	NOUN
fsr-3389	131	16	and	and	CCONJ
fsr-3389	131	17	female	female	ADJ
fsr-3389	131	18	according	accord	VERB
fsr-3389	131	19	to	to	ADP
fsr-3389	131	20	the	the	DET
fsr-3389	131	21	social	social	ADJ
fsr-3389	131	22	security	security	NOUN
fsr-3389	131	23	administration	administration	NOUN
fsr-3389	131	24	.	.	PUNCT
fsr-3389	132	1	it	it	PRON
fsr-3389	132	2	also	also	ADV
fsr-3389	132	3	shows	show	VERB
fsr-3389	132	4	the	the	DET
fsr-3389	132	5	probability	probability	NOUN
fsr-3389	132	6	of	of	ADP
fsr-3389	132	7	survival	survival	NOUN
fsr-3389	132	8	for	for	ADP
fsr-3389	132	9	u.s	u.s	PROPN
fsr-3389	132	10	.	.	PROPN
fsr-3389	132	11	military	military	ADJ
fsr-3389	132	12	officer	officer	NOUN
fsr-3389	132	13	servicemembers	servicemember	NOUN
fsr-3389	132	14	who	who	PRON
fsr-3389	132	15	retire	retire	VERB
fsr-3389	132	16	and	and	CCONJ
fsr-3389	132	17	their	their	PRON
fsr-3389	132	18	spouses	spouse	NOUN
fsr-3389	132	19	,	,	PUNCT
fsr-3389	132	20	according	accord	VERB
fsr-3389	132	21	to	to	ADP
fsr-3389	132	22	the	the	DET
fsr-3389	132	23	department	department	PROPN
fsr-3389	132	24	of	of	ADP
fsr-3389	132	25	defense	defense	PROPN
fsr-3389	132	26	actuary	actuary	PROPN
fsr-3389	132	27	office	office	NOUN
fsr-3389	132	28	.	.	PUNCT
fsr-3389	133	1	152	152	NUM
fsr-3389	133	2	w.w	w.w	PROPN
fsr-3389	133	3	.	.	PROPN
fsr-3389	133	4	jennings	jennings	PROPN
fsr-3389	133	5	et	et	PROPN
fsr-3389	133	6	al	al	PROPN
fsr-3389	133	7	.	.	PUNCT
fsr-3389	133	8	/	/	SYM
fsr-3389	133	9	financial	financial	ADJ
fsr-3389	133	10	services	service	NOUN
fsr-3389	133	11	review	review	VERB
fsr-3389	133	12	27	27	NUM
fsr-3389	133	13	(	(	PUNCT
fsr-3389	133	14	2018	2018	NUM
fsr-3389	133	15	)	)	PUNCT
fsr-3389	133	16	147	147	NUM
fsr-3389	133	17	-	-	SYM
fsr-3389	133	18	172	172	NUM
fsr-3389	133	19	alternative	alternative	ADJ
fsr-3389	133	20	scenarios	scenario	NOUN
fsr-3389	133	21	using	use	VERB
fsr-3389	133	22	an	an	DET
fsr-3389	133	23	online	online	ADJ
fsr-3389	133	24	calculator	calculator	NOUN
fsr-3389	133	25	.	.	PUNCT
fsr-3389	134	1	obviously	obviously	ADV
fsr-3389	134	2	,	,	PUNCT
fsr-3389	134	3	there	there	PRON
fsr-3389	134	4	are	be	VERB
fsr-3389	134	5	many	many	ADJ
fsr-3389	134	6	permutations	permutation	NOUN
fsr-3389	134	7	to	to	ADP
fsr-3389	134	8	this	this	DET
fsr-3389	134	9	scenario	scenario	NOUN
fsr-3389	134	10	;	;	PUNCT
fsr-3389	134	11	we	we	PRON
fsr-3389	134	12	summarize	summarize	VERB
fsr-3389	134	13	a	a	DET
fsr-3389	134	14	few	few	ADJ
fsr-3389	134	15	at	at	ADP
fsr-3389	134	16	the	the	DET
fsr-3389	134	17	end	end	NOUN
fsr-3389	134	18	of	of	ADP
fsr-3389	134	19	this	this	DET
fsr-3389	134	20	study	study	NOUN
fsr-3389	134	21	.	.	PUNCT
fsr-3389	135	1	coupling	couple	VERB
fsr-3389	135	2	these	these	DET
fsr-3389	135	3	assumptions	assumption	NOUN
fsr-3389	135	4	with	with	ADP
fsr-3389	135	5	the	the	DET
fsr-3389	135	6	ssa	ssa	PROPN
fsr-3389	135	7	and	and	CCONJ
fsr-3389	135	8	dod	dod	PROPN
fsr-3389	135	9	life	life	NOUN
fsr-3389	135	10	expectancy	expectancy	NOUN
fsr-3389	135	11	tables	table	NOUN
fsr-3389	135	12	allows	allow	VERB
fsr-3389	135	13	us	we	PRON
fsr-3389	135	14	to	to	PART
fsr-3389	135	15	generate	generate	VERB
fsr-3389	135	16	a	a	DET
fsr-3389	135	17	joint	joint	ADJ
fsr-3389	135	18	probability	probability	NOUN
fsr-3389	135	19	density	density	NOUN
fsr-3389	135	20	function	function	NOUN
fsr-3389	135	21	for	for	ADP
fsr-3389	135	22	expected	expect	VERB
fsr-3389	135	23	mortality	mortality	NOUN
fsr-3389	135	24	at	at	ADP
fsr-3389	135	25	any	any	DET
fsr-3389	135	26	age	age	NOUN
fsr-3389	135	27	combination	combination	NOUN
fsr-3389	135	28	the	the	DET
fsr-3389	135	29	military	military	ADJ
fsr-3389	135	30	retiree	retiree	NOUN
fsr-3389	135	31	and	and	CCONJ
fsr-3389	135	32	spouse	spouse	NOUN
fsr-3389	135	33	might	might	AUX
fsr-3389	135	34	experience	experience	VERB
fsr-3389	135	35	.	.	PUNCT
fsr-3389	136	1	fig	fig	NOUN
fsr-3389	136	2	.	.	PUNCT
fsr-3389	137	1	2	2	NUM
fsr-3389	137	2	depicts	depict	VERB
fsr-3389	137	3	this	this	DET
fsr-3389	137	4	joint	joint	ADJ
fsr-3389	137	5	distribution	distribution	NOUN
fsr-3389	137	6	for	for	ADP
fsr-3389	137	7	our	our	PRON
fsr-3389	137	8	age	age	NOUN
fsr-3389	137	9	44	44	NUM
fsr-3389	137	10	officer	officer	NOUN
fsr-3389	137	11	retiree	retiree	PROPN
fsr-3389	137	12	scenario	scenario	PROPN
fsr-3389	137	13	,	,	PUNCT
fsr-3389	137	14	with	with	ADP
fsr-3389	137	15	the	the	DET
fsr-3389	137	16	highest	high	ADJ
fsr-3389	137	17	(	(	PUNCT
fsr-3389	137	18	or	or	CCONJ
fsr-3389	137	19	most	most	ADV
fsr-3389	137	20	likely	likely	ADJ
fsr-3389	137	21	)	)	PUNCT
fsr-3389	137	22	mortality	mortality	NOUN
fsr-3389	137	23	combination	combination	NOUN
fsr-3389	137	24	occurring	occur	VERB
fsr-3389	137	25	when	when	SCONJ
fsr-3389	137	26	the	the	DET
fsr-3389	137	27	retiree	retiree	NOUN
fsr-3389	137	28	is	be	AUX
fsr-3389	137	29	88	88	NUM
fsr-3389	137	30	and	and	CCONJ
fsr-3389	137	31	the	the	DET
fsr-3389	137	32	surviving	surviving	NOUN
fsr-3389	137	33	spouse	spouse	NOUN
fsr-3389	137	34	is	be	AUX
fsr-3389	137	35	89	89	NUM
fsr-3389	137	36	.	.	PUNCT
fsr-3389	138	1	as	as	SCONJ
fsr-3389	138	2	expected	expect	VERB
fsr-3389	138	3	,	,	PUNCT
fsr-3389	138	4	the	the	DET
fsr-3389	138	5	joint	joint	ADJ
fsr-3389	138	6	distribution	distribution	NOUN
fsr-3389	138	7	is	be	AUX
fsr-3389	138	8	left	leave	VERB
fsr-3389	138	9	-	-	PUNCT
fsr-3389	138	10	skewed	skewed	ADJ
fsr-3389	138	11	toward	toward	ADP
fsr-3389	138	12	lower	low	ADJ
fsr-3389	138	13	ages	age	NOUN
fsr-3389	138	14	given	give	VERB
fsr-3389	138	15	the	the	DET
fsr-3389	138	16	rather	rather	ADV
fsr-3389	138	17	abrupt	abrupt	ADJ
fsr-3389	138	18	upper	upper	ADV
fsr-3389	138	19	-	-	PUNCT
fsr-3389	138	20	bound	bind	VERB
fsr-3389	138	21	on	on	ADP
fsr-3389	138	22	mortality	mortality	NOUN
fsr-3389	138	23	(	(	PUNCT
fsr-3389	138	24	i.e.	i.e.	X
fsr-3389	138	25	,	,	PUNCT
fsr-3389	138	26	the	the	DET
fsr-3389	138	27	virtual	virtual	ADJ
fsr-3389	138	28	impossibility	impossibility	NOUN
fsr-3389	138	29	of	of	ADP
fsr-3389	138	30	living	live	VERB
fsr-3389	138	31	much	much	ADV
fsr-3389	138	32	beyond	beyond	ADP
fsr-3389	138	33	110	110	NUM
fsr-3389	138	34	)	)	PUNCT
fsr-3389	138	35	.	.	PUNCT
fsr-3389	139	1	for	for	ADP
fsr-3389	139	2	ease	ease	NOUN
fsr-3389	139	3	of	of	ADP
fsr-3389	139	4	interpretation	interpretation	NOUN
fsr-3389	139	5	,	,	PUNCT
fsr-3389	139	6	most	most	ADJ
fsr-3389	139	7	of	of	ADP
fsr-3389	139	8	the	the	DET
fsr-3389	139	9	subsequent	subsequent	ADJ
fsr-3389	139	10	figures	figure	NOUN
fsr-3389	139	11	incorporate	incorporate	VERB
fsr-3389	139	12	the	the	DET
fsr-3389	139	13	same	same	ADJ
fsr-3389	139	14	basic	basic	ADJ
fsr-3389	139	15	format	format	NOUN
fsr-3389	139	16	and	and	CCONJ
fsr-3389	139	17	perspective	perspective	NOUN
fsr-3389	139	18	as	as	ADP
fsr-3389	139	19	fig	fig	NOUN
fsr-3389	139	20	.	.	PUNCT
fsr-3389	140	1	2	2	NUM
fsr-3389	140	2	.	.	SYM
fsr-3389	140	3	4	4	NUM
fsr-3389	140	4	.	.	NOUN
fsr-3389	140	5	results	result	NOUN
fsr-3389	140	6	while	while	SCONJ
fsr-3389	140	7	the	the	DET
fsr-3389	140	8	joint	joint	ADJ
fsr-3389	140	9	life	life	NOUN
fsr-3389	140	10	expectancy	expectancy	NOUN
fsr-3389	140	11	information	information	NOUN
fsr-3389	140	12	is	be	AUX
fsr-3389	140	13	necessary	necessary	ADJ
fsr-3389	140	14	,	,	PUNCT
fsr-3389	140	15	the	the	DET
fsr-3389	140	16	payouts	payout	NOUN
fsr-3389	140	17	associated	associate	VERB
fsr-3389	140	18	with	with	ADP
fsr-3389	140	19	these	these	DET
fsr-3389	140	20	life	life	NOUN
fsr-3389	140	21	expectancy	expectancy	NOUN
fsr-3389	140	22	combinations	combination	NOUN
fsr-3389	140	23	is	be	AUX
fsr-3389	140	24	equally	equally	ADV
fsr-3389	140	25	important	important	ADJ
fsr-3389	140	26	.	.	PUNCT
fsr-3389	141	1	we	we	PRON
fsr-3389	141	2	calculate	calculate	VERB
fsr-3389	141	3	these	these	DET
fsr-3389	141	4	net	net	ADJ
fsr-3389	141	5	sbp	sbp	NOUN
fsr-3389	141	6	payouts	payout	NOUN
fsr-3389	141	7	in	in	ADP
fsr-3389	141	8	fig	fig	NOUN
fsr-3389	141	9	.	.	PUNCT
fsr-3389	142	1	3	3	X
fsr-3389	142	2	.	.	X
fsr-3389	142	3	while	while	SCONJ
fsr-3389	142	4	we	we	PRON
fsr-3389	142	5	calculate	calculate	VERB
fsr-3389	142	6	payouts	payout	NOUN
fsr-3389	142	7	based	base	VERB
fsr-3389	142	8	on	on	ADP
fsr-3389	142	9	$	$	SYM
fsr-3389	142	10	55,000	55,000	NUM
fsr-3389	142	11	of	of	ADP
fsr-3389	142	12	retired	retire	VERB
fsr-3389	142	13	officer	officer	NOUN
fsr-3389	142	14	pay	pay	VERB
fsr-3389	142	15	,	,	PUNCT
fsr-3389	142	16	payout	payout	ADJ
fsr-3389	142	17	calculations	calculation	NOUN
fsr-3389	142	18	are	be	AUX
fsr-3389	142	19	the	the	DET
fsr-3389	142	20	same	same	ADJ
fsr-3389	142	21	on	on	ADP
fsr-3389	142	22	a	a	DET
fsr-3389	142	23	percentage	percentage	NOUN
fsr-3389	142	24	basis	basis	NOUN
fsr-3389	142	25	for	for	ADP
fsr-3389	142	26	any	any	DET
fsr-3389	142	27	retiree	retiree	NOUN
fsr-3389	142	28	because	because	SCONJ
fsr-3389	142	29	of	of	ADP
fsr-3389	142	30	the	the	DET
fsr-3389	142	31	percentage	percentage	NOUN
fsr-3389	142	32	-	-	PUNCT
fsr-3389	142	33	based	base	VERB
fsr-3389	142	34	calculations	calculation	NOUN
fsr-3389	142	35	of	of	ADP
fsr-3389	142	36	sbp	sbp	NOUN
fsr-3389	142	37	premiums	premium	NOUN
fsr-3389	142	38	and	and	CCONJ
fsr-3389	142	39	payouts	payout	NOUN
fsr-3389	142	40	.	.	PUNCT
fsr-3389	143	1	fig	fig	NOUN
fsr-3389	143	2	.	.	PUNCT
fsr-3389	144	1	3	3	NUM
fsr-3389	144	2	shows	show	VERB
fsr-3389	144	3	absolute	absolute	ADJ
fsr-3389	144	4	amounts	amount	NOUN
fsr-3389	144	5	for	for	ADP
fsr-3389	144	6	the	the	DET
fsr-3389	144	7	typical	typical	ADJ
fsr-3389	144	8	officer	officer	NOUN
fsr-3389	144	9	retiree	retiree	NOUN
fsr-3389	144	10	.	.	PUNCT
fsr-3389	145	1	it	it	PRON
fsr-3389	145	2	implements	implement	VERB
fsr-3389	145	3	the	the	DET
fsr-3389	145	4	same	same	ADJ
fsr-3389	145	5	xand	xand	NOUN
fsr-3389	146	1	y	y	NOUN
fsr-3389	146	2	-	-	PUNCT
fsr-3389	146	3	axes	axis	NOUN
fsr-3389	146	4	as	as	ADP
fsr-3389	146	5	fig	fig	NOUN
fsr-3389	146	6	.	.	PUNCT
fsr-3389	147	1	2	2	NUM
fsr-3389	147	2	;	;	PUNCT
fsr-3389	147	3	however	however	ADV
fsr-3389	147	4	,	,	PUNCT
fsr-3389	147	5	it	it	PRON
fsr-3389	147	6	quantifies	quantify	VERB
fsr-3389	147	7	spouse	spouse	NOUN
fsr-3389	147	8	’s	’s	PART
fsr-3389	147	9	fig	fig	NOUN
fsr-3389	147	10	.	.	PUNCT
fsr-3389	148	1	2	2	X
fsr-3389	148	2	.	.	X
fsr-3389	148	3	joint	joint	ADJ
fsr-3389	148	4	probability	probability	NOUN
fsr-3389	148	5	of	of	ADP
fsr-3389	148	6	mortality	mortality	NOUN
fsr-3389	148	7	for	for	ADP
fsr-3389	148	8	u.s	u.s	PROPN
fsr-3389	148	9	.	.	PROPN
fsr-3389	148	10	military	military	ADJ
fsr-3389	148	11	retirees	retiree	NOUN
fsr-3389	148	12	and	and	CCONJ
fsr-3389	148	13	spouses	spouse	NOUN
fsr-3389	148	14	.	.	PUNCT
fsr-3389	149	1	this	this	DET
fsr-3389	149	2	plot	plot	NOUN
fsr-3389	149	3	shows	show	VERB
fsr-3389	149	4	the	the	DET
fsr-3389	149	5	joint	joint	ADJ
fsr-3389	149	6	probability	probability	NOUN
fsr-3389	149	7	density	density	NOUN
fsr-3389	149	8	function	function	NOUN
fsr-3389	149	9	for	for	ADP
fsr-3389	149	10	mortality	mortality	NOUN
fsr-3389	149	11	age	age	NOUN
fsr-3389	149	12	of	of	ADP
fsr-3389	149	13	u.s	u.s	PROPN
fsr-3389	149	14	.	.	PROPN
fsr-3389	149	15	military	military	ADJ
fsr-3389	149	16	retirees	retiree	NOUN
fsr-3389	149	17	and	and	CCONJ
fsr-3389	149	18	their	their	PRON
fsr-3389	149	19	spouses	spouse	NOUN
fsr-3389	149	20	when	when	SCONJ
fsr-3389	149	21	both	both	PRON
fsr-3389	149	22	are	be	AUX
fsr-3389	149	23	currently	currently	ADV
fsr-3389	149	24	age	age	NOUN
fsr-3389	149	25	44	44	NUM
fsr-3389	149	26	,	,	PUNCT
fsr-3389	149	27	according	accord	VERB
fsr-3389	149	28	to	to	ADP
fsr-3389	149	29	the	the	PRON
fsr-3389	149	30	according	accord	VERB
fsr-3389	149	31	to	to	ADP
fsr-3389	149	32	the	the	DET
fsr-3389	149	33	department	department	PROPN
fsr-3389	149	34	of	of	ADP
fsr-3389	149	35	defense	defense	PROPN
fsr-3389	149	36	actuary	actuary	PROPN
fsr-3389	149	37	office	office	NOUN
fsr-3389	149	38	.	.	PUNCT
fsr-3389	150	1	the	the	DET
fsr-3389	150	2	military	military	ADJ
fsr-3389	150	3	member	member	NOUN
fsr-3389	150	4	is	be	AUX
fsr-3389	150	5	male	male	ADJ
fsr-3389	150	6	;	;	PUNCT
fsr-3389	150	7	the	the	DET
fsr-3389	150	8	spouse	spouse	NOUN
fsr-3389	150	9	is	be	AUX
fsr-3389	150	10	female	female	ADJ
fsr-3389	150	11	in	in	ADP
fsr-3389	150	12	this	this	DET
fsr-3389	150	13	illustration	illustration	NOUN
fsr-3389	150	14	.	.	PUNCT
fsr-3389	151	1	the	the	DET
fsr-3389	151	2	highest	high	ADJ
fsr-3389	151	3	expected	expect	VERB
fsr-3389	151	4	joint	joint	ADJ
fsr-3389	151	5	probability	probability	NOUN
fsr-3389	151	6	occurs	occur	VERB
fsr-3389	151	7	when	when	SCONJ
fsr-3389	151	8	the	the	DET
fsr-3389	151	9	member	member	NOUN
fsr-3389	151	10	is	be	AUX
fsr-3389	151	11	age	age	NOUN
fsr-3389	151	12	88	88	NUM
fsr-3389	151	13	and	and	CCONJ
fsr-3389	151	14	the	the	DET
fsr-3389	151	15	spouse	spouse	NOUN
fsr-3389	151	16	is	be	AUX
fsr-3389	151	17	age	age	NOUN
fsr-3389	151	18	89	89	NUM
fsr-3389	151	19	.	.	PUNCT
fsr-3389	152	1	153w.w	153w.w	X
fsr-3389	152	2	.	.	PUNCT
fsr-3389	153	1	jennings	jennings	PROPN
fsr-3389	153	2	et	et	PROPN
fsr-3389	153	3	al	al	PROPN
fsr-3389	153	4	.	.	PUNCT
fsr-3389	153	5	/	/	SYM
fsr-3389	153	6	financial	financial	ADJ
fsr-3389	153	7	services	service	NOUN
fsr-3389	153	8	review	review	VERB
fsr-3389	153	9	27	27	NUM
fsr-3389	153	10	(	(	PUNCT
fsr-3389	153	11	2018	2018	NUM
fsr-3389	153	12	)	)	PUNCT
fsr-3389	153	13	147	147	NUM
fsr-3389	153	14	-	-	SYM
fsr-3389	153	15	172	172	NUM
fsr-3389	153	16	payout	payout	NOUN
fsr-3389	153	17	minus	minus	ADP
fsr-3389	153	18	the	the	DET
fsr-3389	153	19	member	member	NOUN
fsr-3389	153	20	’s	’s	PART
fsr-3389	153	21	premiums	premium	NOUN
fsr-3389	153	22	for	for	ADP
fsr-3389	153	23	each	each	DET
fsr-3389	153	24	retiree	retiree	NOUN
fsr-3389	153	25	-	-	PUNCT
fsr-3389	153	26	spouse	spouse	NOUN
fsr-3389	153	27	mortality	mortality	NOUN
fsr-3389	153	28	combination	combination	NOUN
fsr-3389	153	29	.	.	PUNCT
fsr-3389	154	1	for	for	ADP
fsr-3389	154	2	instance	instance	NOUN
fsr-3389	154	3	,	,	PUNCT
fsr-3389	154	4	if	if	SCONJ
fsr-3389	154	5	our	our	PRON
fsr-3389	154	6	44	44	NUM
fsr-3389	154	7	-	-	PUNCT
fsr-3389	154	8	year	year	NOUN
fsr-3389	154	9	-	-	PUNCT
fsr-3389	154	10	old	old	ADJ
fsr-3389	154	11	military	military	ADJ
fsr-3389	154	12	retiree	retiree	NOUN
fsr-3389	154	13	lives	live	VERB
fsr-3389	154	14	to	to	ADP
fsr-3389	154	15	age	age	NOUN
fsr-3389	154	16	50	50	NUM
fsr-3389	154	17	,	,	PUNCT
fsr-3389	154	18	then	then	ADV
fsr-3389	154	19	he	he	PRON
fsr-3389	154	20	has	have	AUX
fsr-3389	154	21	paid	pay	VERB
fsr-3389	154	22	six	six	NUM
fsr-3389	154	23	years	year	NOUN
fsr-3389	154	24	’	'	PUNCT
fsr-3389	154	25	worth	worth	NOUN
fsr-3389	154	26	of	of	ADP
fsr-3389	154	27	sbp	sbp	NOUN
fsr-3389	154	28	premiums	premium	NOUN
fsr-3389	154	29	,	,	PUNCT
fsr-3389	154	30	or	or	CCONJ
fsr-3389	154	31	$	$	SYM
fsr-3389	154	32	21,450	21,450	NUM
fsr-3389	154	33	.	.	PUNCT
fsr-3389	155	1	if	if	SCONJ
fsr-3389	155	2	the	the	DET
fsr-3389	155	3	officer	officer	NOUN
fsr-3389	155	4	’s	’s	PART
fsr-3389	155	5	equivalent	equivalent	ADJ
fsr-3389	155	6	-	-	PUNCT
fsr-3389	155	7	aged	aged	ADJ
fsr-3389	155	8	spouse	spouse	NOUN
fsr-3389	155	9	then	then	ADV
fsr-3389	155	10	lives	live	VERB
fsr-3389	155	11	to	to	ADP
fsr-3389	155	12	age	age	NOUN
fsr-3389	155	13	70	70	NUM
fsr-3389	155	14	,	,	PUNCT
fsr-3389	155	15	she	she	PRON
fsr-3389	155	16	collects	collect	VERB
fsr-3389	155	17	20	20	NUM
fsr-3389	155	18	years	year	NOUN
fsr-3389	155	19	’	'	PUNCT
fsr-3389	155	20	worth	worth	NOUN
fsr-3389	155	21	of	of	ADP
fsr-3389	155	22	sbp	sbp	NOUN
fsr-3389	155	23	payouts	payout	NOUN
fsr-3389	155	24	,	,	PUNCT
fsr-3389	155	25	or	or	CCONJ
fsr-3389	155	26	a	a	DET
fsr-3389	155	27	total	total	NOUN
fsr-3389	155	28	of	of	ADP
fsr-3389	155	29	$	$	SYM
fsr-3389	155	30	605,000.9	605,000.9	NUM
fsr-3389	155	31	taking	take	VERB
fsr-3389	155	32	the	the	DET
fsr-3389	155	33	difference	difference	NOUN
fsr-3389	155	34	between	between	ADP
fsr-3389	155	35	these	these	DET
fsr-3389	155	36	payouts	payout	NOUN
fsr-3389	155	37	and	and	CCONJ
fsr-3389	155	38	premiums	premium	NOUN
fsr-3389	155	39	yields	yield	VERB
fsr-3389	155	40	a	a	DET
fsr-3389	155	41	net	net	ADJ
fsr-3389	155	42	real	real	ADJ
fsr-3389	155	43	payout	payout	NOUN
fsr-3389	155	44	of	of	ADP
fsr-3389	155	45	approximately	approximately	ADV
fsr-3389	155	46	$	$	SYM
fsr-3389	155	47	583,550	583,550	NUM
fsr-3389	155	48	for	for	ADP
fsr-3389	155	49	the	the	DET
fsr-3389	155	50	officer	officer	NOUN
fsr-3389	155	51	who	who	PRON
fsr-3389	155	52	opts	opt	VERB
fsr-3389	155	53	for	for	ADP
fsr-3389	155	54	sbp	sbp	NOUN
fsr-3389	155	55	pension	pension	NOUN
fsr-3389	155	56	protection	protection	NOUN
fsr-3389	155	57	in	in	ADP
fsr-3389	155	58	this	this	DET
fsr-3389	155	59	scenario	scenario	NOUN
fsr-3389	155	60	.	.	PUNCT
fsr-3389	156	1	fig	fig	NOUN
fsr-3389	156	2	.	.	PUNCT
fsr-3389	157	1	3	3	NUM
fsr-3389	157	2	shows	show	NOUN
fsr-3389	157	3	who	who	PRON
fsr-3389	157	4	can	can	AUX
fsr-3389	157	5	expect	expect	VERB
fsr-3389	157	6	to	to	PART
fsr-3389	157	7	win	win	VERB
fsr-3389	157	8	and	and	CCONJ
fsr-3389	157	9	to	to	PART
fsr-3389	157	10	lose	lose	VERB
fsr-3389	157	11	—	—	PUNCT
fsr-3389	157	12	in	in	ADP
fsr-3389	157	13	strictly	strictly	ADV
fsr-3389	157	14	financial	financial	ADJ
fsr-3389	157	15	terms	term	NOUN
fsr-3389	157	16	—	—	PUNCT
fsr-3389	157	17	from	from	ADP
fsr-3389	157	18	the	the	DET
fsr-3389	157	19	sbp	sbp	NOUN
fsr-3389	157	20	program	program	NOUN
fsr-3389	157	21	.	.	PUNCT
fsr-3389	158	1	the	the	DET
fsr-3389	158	2	extreme	extreme	ADJ
fsr-3389	158	3	sbp	sbp	NOUN
fsr-3389	158	4	“	"	PUNCT
fsr-3389	158	5	winners	winner	NOUN
fsr-3389	158	6	”	"	PUNCT
fsr-3389	158	7	are	be	AUX
fsr-3389	158	8	,	,	PUNCT
fsr-3389	158	9	sadly	sadly	ADV
fsr-3389	158	10	,	,	PUNCT
fsr-3389	158	11	the	the	DET
fsr-3389	158	12	spouses	spouse	NOUN
fsr-3389	158	13	of	of	ADP
fsr-3389	158	14	sbp	sbp	NOUN
fsr-3389	158	15	-	-	PUNCT
fsr-3389	158	16	covered	cover	VERB
fsr-3389	158	17	military	military	ADJ
fsr-3389	158	18	members	member	NOUN
fsr-3389	158	19	who	who	PRON
fsr-3389	158	20	die	die	VERB
fsr-3389	158	21	immediately	immediately	ADV
fsr-3389	158	22	after	after	ADP
fsr-3389	158	23	retiring	retire	VERB
fsr-3389	158	24	(	(	PUNCT
fsr-3389	158	25	as	as	SCONJ
fsr-3389	158	26	we	we	PRON
fsr-3389	158	27	discuss	discuss	VERB
fsr-3389	158	28	later	later	ADV
fsr-3389	158	29	,	,	PUNCT
fsr-3389	158	30	this	this	DET
fsr-3389	158	31	analysis	analysis	NOUN
fsr-3389	158	32	does	do	AUX
fsr-3389	158	33	not	not	PART
fsr-3389	158	34	account	account	VERB
fsr-3389	158	35	for	for	ADP
fsr-3389	158	36	the	the	DET
fsr-3389	158	37	fact	fact	NOUN
fsr-3389	158	38	that	that	SCONJ
fsr-3389	158	39	retirees	retiree	NOUN
fsr-3389	158	40	carry	carry	VERB
fsr-3389	158	41	their	their	PRON
fsr-3389	158	42	active	active	ADJ
fsr-3389	158	43	duty	duty	NOUN
fsr-3389	158	44	sgli	sgli	NOUN
fsr-3389	159	1	[	[	X
fsr-3389	159	2	life	life	NOUN
fsr-3389	159	3	insurance	insurance	NOUN
fsr-3389	159	4	]	]	PUNCT
fsr-3389	159	5	coverage	coverage	NOUN
fsr-3389	159	6	for	for	ADP
fsr-3389	159	7	120	120	NUM
fsr-3389	159	8	days	day	NOUN
fsr-3389	159	9	into	into	ADP
fsr-3389	159	10	retirement	retirement	NOUN
fsr-3389	159	11	at	at	ADP
fsr-3389	159	12	no	no	DET
fsr-3389	159	13	cost	cost	NOUN
fsr-3389	159	14	)	)	PUNCT
fsr-3389	159	15	.	.	PUNCT
fsr-3389	160	1	we	we	PRON
fsr-3389	160	2	hope	hope	VERB
fsr-3389	160	3	that	that	SCONJ
fsr-3389	160	4	the	the	DET
fsr-3389	160	5	reader	reader	NOUN
fsr-3389	160	6	understands	understand	VERB
fsr-3389	160	7	we	we	PRON
fsr-3389	160	8	put	put	VERB
fsr-3389	160	9	the	the	DET
fsr-3389	160	10	word	word	NOUN
fsr-3389	160	11	winners	winner	NOUN
fsr-3389	160	12	in	in	ADP
fsr-3389	160	13	quotations	quotation	NOUN
fsr-3389	160	14	for	for	ADP
fsr-3389	160	15	obvious	obvious	ADJ
fsr-3389	160	16	reasons	reason	NOUN
fsr-3389	160	17	,	,	PUNCT
fsr-3389	160	18	as	as	SCONJ
fsr-3389	160	19	we	we	PRON
fsr-3389	160	20	would	would	AUX
fsr-3389	160	21	rather	rather	ADV
fsr-3389	160	22	nobody	nobody	PRON
fsr-3389	160	23	experiences	experience	VERB
fsr-3389	160	24	this	this	DET
fsr-3389	160	25	situation	situation	NOUN
fsr-3389	160	26	!	!	PUNCT
fsr-3389	161	1	clearly	clearly	ADV
fsr-3389	161	2	,	,	PUNCT
fsr-3389	161	3	the	the	DET
fsr-3389	161	4	untimely	untimely	ADJ
fsr-3389	161	5	death	death	NOUN
fsr-3389	161	6	of	of	ADP
fsr-3389	161	7	a	a	DET
fsr-3389	161	8	spouse	spouse	NOUN
fsr-3389	161	9	is	be	AUX
fsr-3389	161	10	a	a	DET
fsr-3389	161	11	personal	personal	ADJ
fsr-3389	161	12	and	and	CCONJ
fsr-3389	161	13	financial	financial	ADJ
fsr-3389	161	14	catastrophe	catastrophe	NOUN
fsr-3389	161	15	we	we	PRON
fsr-3389	161	16	wish	wish	VERB
fsr-3389	161	17	everyone	everyone	PRON
fsr-3389	161	18	could	could	AUX
fsr-3389	161	19	avoid	avoid	VERB
fsr-3389	161	20	.	.	PUNCT
fsr-3389	162	1	the	the	DET
fsr-3389	162	2	extreme	extreme	ADJ
fsr-3389	162	3	winning	win	VERB
fsr-3389	162	4	combinations	combination	NOUN
fsr-3389	162	5	are	be	AUX
fsr-3389	162	6	those	those	PRON
fsr-3389	162	7	in	in	ADP
fsr-3389	162	8	the	the	DET
fsr-3389	162	9	circled	circle	VERB
fsr-3389	162	10	area	area	NOUN
fsr-3389	162	11	of	of	ADP
fsr-3389	162	12	fig	fig	NOUN
fsr-3389	162	13	.	.	PUNCT
fsr-3389	163	1	3	3	X
fsr-3389	163	2	.	.	X
fsr-3389	163	3	the	the	DET
fsr-3389	163	4	net	net	ADJ
fsr-3389	163	5	payout	payout	NOUN
fsr-3389	163	6	value	value	NOUN
fsr-3389	163	7	for	for	ADP
fsr-3389	163	8	officer	officer	NOUN
fsr-3389	163	9	retirees	retiree	NOUN
fsr-3389	163	10	’	’	PART
fsr-3389	163	11	spouses	spouse	NOUN
fsr-3389	163	12	in	in	ADP
fsr-3389	163	13	this	this	DET
fsr-3389	163	14	plot	plot	NOUN
fsr-3389	163	15	approaches	approach	VERB
fsr-3389	163	16	$	$	SYM
fsr-3389	163	17	2	2	NUM
fsr-3389	163	18	million	million	NUM
fsr-3389	163	19	in	in	ADP
fsr-3389	163	20	the	the	DET
fsr-3389	163	21	extreme	extreme	ADJ
fsr-3389	163	22	case	case	NOUN
fsr-3389	163	23	where	where	SCONJ
fsr-3389	163	24	a	a	DET
fsr-3389	163	25	retiree	retiree	NOUN
fsr-3389	163	26	dies	die	VERB
fsr-3389	163	27	immediately	immediately	ADV
fsr-3389	163	28	,	,	PUNCT
fsr-3389	163	29	the	the	DET
fsr-3389	163	30	surviving	survive	VERB
fsr-3389	163	31	widow	widow	NOUN
fsr-3389	163	32	stays	stay	VERB
fsr-3389	163	33	single	single	ADJ
fsr-3389	163	34	or	or	CCONJ
fsr-3389	163	35	remarries	remarrie	NOUN
fsr-3389	163	36	after	after	ADP
fsr-3389	163	37	55	55	NUM
fsr-3389	163	38	,	,	PUNCT
fsr-3389	163	39	and	and	CCONJ
fsr-3389	163	40	then	then	ADV
fsr-3389	163	41	she	she	PRON
fsr-3389	163	42	lives	live	VERB
fsr-3389	163	43	to	to	PART
fsr-3389	163	44	well	well	ADV
fsr-3389	163	45	over	over	ADP
fsr-3389	163	46	100	100	NUM
fsr-3389	163	47	.	.	PUNCT
fsr-3389	164	1	the	the	DET
fsr-3389	164	2	net	net	ADJ
fsr-3389	164	3	payoff	payoff	NOUN
fsr-3389	164	4	function	function	NOUN
fsr-3389	164	5	for	for	ADP
fsr-3389	164	6	the	the	DET
fsr-3389	164	7	sbp	sbp	PROPN
fsr-3389	164	8	“	"	PUNCT
fsr-3389	164	9	losers	loser	NOUN
fsr-3389	164	10	”	"	PUNCT
fsr-3389	164	11	has	have	VERB
fsr-3389	164	12	a	a	DET
fsr-3389	164	13	lower	lower	ADV
fsr-3389	164	14	bound	bind	VERB
fsr-3389	164	15	at	at	ADP
fsr-3389	164	16	30	30	NUM
fsr-3389	164	17	years	year	NOUN
fsr-3389	164	18	’	'	PUNCT
fsr-3389	164	19	worth	worth	NOUN
fsr-3389	164	20	of	of	ADP
fsr-3389	164	21	premiums	premium	NOUN
fsr-3389	164	22	,	,	PUNCT
fsr-3389	164	23	or	or	CCONJ
fsr-3389	164	24	$	$	SYM
fsr-3389	164	25	107,250	107,250	NUM
fsr-3389	164	26	in	in	ADP
fsr-3389	164	27	our	our	PRON
fsr-3389	164	28	baseline	baseline	NOUN
fsr-3389	164	29	scenario	scenario	NOUN
fsr-3389	164	30	.	.	PUNCT
fsr-3389	165	1	the	the	DET
fsr-3389	165	2	maximum	maximum	ADJ
fsr-3389	165	3	negative	negative	ADJ
fsr-3389	165	4	net	net	ADJ
fsr-3389	165	5	payouts	payout	NOUN
fsr-3389	165	6	—	—	PUNCT
fsr-3389	165	7	that	that	PRON
fsr-3389	165	8	represent	represent	VERB
fsr-3389	165	9	the	the	DET
fsr-3389	165	10	worst	bad	ADJ
fsr-3389	165	11	“	"	PUNCT
fsr-3389	165	12	losing	lose	VERB
fsr-3389	165	13	”	"	PUNCT
fsr-3389	165	14	situations	situation	NOUN
fsr-3389	165	15	—	—	PUNCT
fsr-3389	165	16	occur	occur	VERB
fsr-3389	165	17	when	when	SCONJ
fsr-3389	165	18	the	the	DET
fsr-3389	165	19	military	military	ADJ
fsr-3389	165	20	member	member	NOUN
fsr-3389	165	21	pays	pay	VERB
fsr-3389	165	22	30	30	NUM
fsr-3389	165	23	years	year	NOUN
fsr-3389	165	24	’	'	PUNCT
fsr-3389	165	25	worth	worth	NOUN
fsr-3389	165	26	of	of	ADP
fsr-3389	165	27	sbp	sbp	NOUN
fsr-3389	165	28	premiums	premium	NOUN
fsr-3389	165	29	and	and	CCONJ
fsr-3389	165	30	the	the	DET
fsr-3389	165	31	military	military	PROPN
fsr-3389	165	32	retiree	retiree	PROPN
fsr-3389	165	33	’s	’s	PART
fsr-3389	165	34	spouse	spouse	NOUN
fsr-3389	165	35	does	do	AUX
fsr-3389	165	36	not	not	PART
fsr-3389	165	37	survive	survive	VERB
fsr-3389	165	38	the	the	DET
fsr-3389	165	39	retiree	retiree	NOUN
fsr-3389	165	40	.	.	PUNCT
fsr-3389	166	1	using	use	VERB
fsr-3389	166	2	dod	dod	PROPN
fsr-3389	166	3	mortality	mortality	NOUN
fsr-3389	166	4	assumptions	assumption	NOUN
fsr-3389	166	5	,	,	PUNCT
fsr-3389	166	6	this	this	PRON
fsr-3389	166	7	occurs	occur	VERB
fsr-3389	166	8	more	more	ADV
fsr-3389	166	9	often	often	ADV
fsr-3389	166	10	than	than	ADP
fsr-3389	166	11	not	not	PART
fsr-3389	166	12	.	.	PUNCT
fsr-3389	167	1	in	in	ADP
fsr-3389	167	2	this	this	DET
fsr-3389	167	3	scenario	scenario	NOUN
fsr-3389	167	4	where	where	SCONJ
fsr-3389	167	5	the	the	DET
fsr-3389	167	6	retiree	retiree	NOUN
fsr-3389	167	7	and	and	CCONJ
fsr-3389	167	8	spouse	spouse	NOUN
fsr-3389	167	9	are	be	AUX
fsr-3389	167	10	the	the	DET
fsr-3389	167	11	same	same	ADJ
fsr-3389	167	12	age	age	NOUN
fsr-3389	167	13	,	,	PUNCT
fsr-3389	167	14	the	the	DET
fsr-3389	167	15	probability	probability	NOUN
fsr-3389	167	16	that	that	SCONJ
fsr-3389	167	17	the	the	DET
fsr-3389	167	18	spouse	spouse	NOUN
fsr-3389	167	19	outlives	outlive	VERB
fsr-3389	167	20	the	the	DET
fsr-3389	167	21	military	military	ADJ
fsr-3389	167	22	fig	fig	NOUN
fsr-3389	167	23	.	.	PUNCT
fsr-3389	168	1	3	3	X
fsr-3389	168	2	.	.	X
fsr-3389	168	3	survivor	survivor	NOUN
fsr-3389	168	4	benefit	benefit	NOUN
fsr-3389	168	5	plan	plan	NOUN
fsr-3389	168	6	(	(	PUNCT
fsr-3389	168	7	sbp	sbp	NOUN
fsr-3389	168	8	)	)	PUNCT
fsr-3389	168	9	net	net	ADJ
fsr-3389	168	10	payout	payout	NOUN
fsr-3389	168	11	(	(	PUNCT
fsr-3389	168	12	benefits	benefit	NOUN
fsr-3389	168	13	–	–	PUNCT
fsr-3389	168	14	costs	cost	NOUN
fsr-3389	168	15	)	)	PUNCT
fsr-3389	168	16	for	for	ADP
fsr-3389	168	17	u.s	u.s	PROPN
fsr-3389	168	18	.	.	PROPN
fsr-3389	168	19	military	military	ADJ
fsr-3389	168	20	retirees	retiree	NOUN
fsr-3389	168	21	and	and	CCONJ
fsr-3389	168	22	spouses	spouse	NOUN
fsr-3389	168	23	.	.	PUNCT
fsr-3389	169	1	this	this	DET
fsr-3389	169	2	plot	plot	NOUN
fsr-3389	169	3	shows	show	VERB
fsr-3389	169	4	the	the	DET
fsr-3389	169	5	sbp	sbp	PROPN
fsr-3389	169	6	net	net	NOUN
fsr-3389	169	7	payouts	payout	NOUN
fsr-3389	169	8	,	,	PUNCT
fsr-3389	169	9	equal	equal	ADJ
fsr-3389	169	10	to	to	ADP
fsr-3389	169	11	the	the	DET
fsr-3389	169	12	insurance	insurance	NOUN
fsr-3389	169	13	payout	payout	NOUN
fsr-3389	169	14	minus	minus	CCONJ
fsr-3389	169	15	premium	premium	NOUN
fsr-3389	169	16	costs	cost	NOUN
fsr-3389	169	17	,	,	PUNCT
fsr-3389	169	18	for	for	ADP
fsr-3389	169	19	various	various	ADJ
fsr-3389	169	20	mortality	mortality	NOUN
fsr-3389	169	21	combinations	combination	NOUN
fsr-3389	169	22	of	of	ADP
fsr-3389	169	23	a	a	DET
fsr-3389	169	24	military	military	ADJ
fsr-3389	169	25	member	member	NOUN
fsr-3389	169	26	and	and	CCONJ
fsr-3389	169	27	nonmilitary	nonmilitary	ADJ
fsr-3389	169	28	spouse	spouse	NOUN
fsr-3389	169	29	who	who	PRON
fsr-3389	169	30	elect	elect	VERB
fsr-3389	169	31	to	to	PART
fsr-3389	169	32	purchase	purchase	VERB
fsr-3389	169	33	sbp	sbp	NOUN
fsr-3389	169	34	pension	pension	NOUN
fsr-3389	169	35	protection	protection	NOUN
fsr-3389	169	36	.	.	PUNCT
fsr-3389	170	1	154	154	NUM
fsr-3389	170	2	w.w	w.w	PROPN
fsr-3389	170	3	.	.	PROPN
fsr-3389	170	4	jennings	jennings	PROPN
fsr-3389	170	5	et	et	PROPN
fsr-3389	170	6	al	al	PROPN
fsr-3389	170	7	.	.	PUNCT
fsr-3389	170	8	/	/	SYM
fsr-3389	170	9	financial	financial	ADJ
fsr-3389	170	10	services	service	NOUN
fsr-3389	170	11	review	review	VERB
fsr-3389	170	12	27	27	NUM
fsr-3389	170	13	(	(	PUNCT
fsr-3389	170	14	2018	2018	NUM
fsr-3389	170	15	)	)	PUNCT
fsr-3389	170	16	147	147	NUM
fsr-3389	170	17	-	-	SYM
fsr-3389	170	18	172	172	NUM
fsr-3389	170	19	retiree	retiree	NOUN
fsr-3389	170	20	is	be	AUX
fsr-3389	170	21	around	around	ADV
fsr-3389	170	22	42	42	NUM
fsr-3389	170	23	%	%	NOUN
fsr-3389	170	24	,	,	PUNCT
fsr-3389	170	25	markedly	markedly	ADV
fsr-3389	170	26	lower	low	ADJ
fsr-3389	170	27	than	than	ADP
fsr-3389	170	28	the	the	DET
fsr-3389	170	29	almost	almost	ADV
fsr-3389	170	30	60	60	NUM
fsr-3389	170	31	%	%	NOUN
fsr-3389	170	32	calculated	calculate	VERB
fsr-3389	170	33	using	use	VERB
fsr-3389	170	34	ssa	ssa	PROPN
fsr-3389	170	35	mortality	mortality	NOUN
fsr-3389	170	36	tables	table	NOUN
fsr-3389	170	37	(	(	PUNCT
fsr-3389	170	38	davis	davis	PROPN
fsr-3389	170	39	and	and	CCONJ
fsr-3389	170	40	fraser	fraser	PROPN
fsr-3389	170	41	,	,	PUNCT
fsr-3389	170	42	2012	2012	NUM
fsr-3389	170	43	)	)	PUNCT
fsr-3389	170	44	.	.	PUNCT
fsr-3389	171	1	yet	yet	ADV
fsr-3389	171	2	,	,	PUNCT
fsr-3389	171	3	this	this	DET
fsr-3389	171	4	result	result	NOUN
fsr-3389	171	5	is	be	AUX
fsr-3389	171	6	not	not	PART
fsr-3389	171	7	surprising	surprising	ADJ
fsr-3389	171	8	given	give	VERB
fsr-3389	171	9	the	the	DET
fsr-3389	171	10	survival	survival	NOUN
fsr-3389	171	11	probability	probability	NOUN
fsr-3389	171	12	differences	difference	NOUN
fsr-3389	171	13	shown	show	VERB
fsr-3389	171	14	in	in	ADP
fsr-3389	171	15	fig	fig	NOUN
fsr-3389	171	16	.	.	PUNCT
fsr-3389	172	1	1	1	X
fsr-3389	172	2	.	.	X
fsr-3389	172	3	the	the	DET
fsr-3389	172	4	triangle	triangle	NOUN
fsr-3389	172	5	over	over	ADP
fsr-3389	172	6	the	the	DET
fsr-3389	172	7	trough	trough	NOUN
fsr-3389	172	8	in	in	ADP
fsr-3389	172	9	fig	fig	NOUN
fsr-3389	172	10	.	.	PUNCT
fsr-3389	173	1	3	3	NUM
fsr-3389	173	2	highlights	highlight	NOUN
fsr-3389	173	3	the	the	DET
fsr-3389	173	4	negative	negative	ADJ
fsr-3389	173	5	payout	payout	ADJ
fsr-3389	173	6	scenarios	scenario	NOUN
fsr-3389	173	7	.	.	PUNCT
fsr-3389	174	1	the	the	DET
fsr-3389	174	2	cost	cost	NOUN
fsr-3389	174	3	-	-	PUNCT
fsr-3389	174	4	benefit	benefit	NOUN
fsr-3389	174	5	breakeven	breakeven	NOUN
fsr-3389	174	6	point	point	NOUN
fsr-3389	174	7	for	for	ADP
fsr-3389	174	8	a	a	DET
fsr-3389	174	9	spouse	spouse	NOUN
fsr-3389	174	10	to	to	PART
fsr-3389	174	11	recoup	recoup	VERB
fsr-3389	174	12	all	all	DET
fsr-3389	174	13	30	30	NUM
fsr-3389	174	14	years	year	NOUN
fsr-3389	174	15	’	'	PUNCT
fsr-3389	174	16	of	of	ADP
fsr-3389	174	17	premiums	premium	NOUN
fsr-3389	174	18	is	be	AUX
fsr-3389	174	19	3.55	3.55	NUM
fsr-3389	174	20	years	year	NOUN
fsr-3389	174	21	(	(	PUNCT
fsr-3389	174	22	$	$	SYM
fsr-3389	174	23	107,250	107,250	NUM
fsr-3389	174	24	worth	worth	NOUN
fsr-3389	174	25	of	of	ADP
fsr-3389	174	26	30	30	NUM
fsr-3389	174	27	-	-	PUNCT
fsr-3389	174	28	year	year	NOUN
fsr-3389	174	29	premiums	premium	NOUN
fsr-3389	174	30	divided	divide	VERB
fsr-3389	174	31	by	by	ADP
fsr-3389	174	32	$	$	SYM
fsr-3389	174	33	30,250	30,250	NUM
fsr-3389	174	34	annual	annual	ADJ
fsr-3389	174	35	payout	payout	NOUN
fsr-3389	174	36	for	for	ADP
fsr-3389	174	37	officers	officer	NOUN
fsr-3389	174	38	)	)	PUNCT
fsr-3389	174	39	,	,	PUNCT
fsr-3389	174	40	meaning	mean	VERB
fsr-3389	174	41	a	a	DET
fsr-3389	174	42	spouse	spouse	NOUN
fsr-3389	174	43	must	must	AUX
fsr-3389	174	44	outlive	outlive	VERB
fsr-3389	174	45	the	the	DET
fsr-3389	174	46	retiree	retiree	NOUN
fsr-3389	174	47	by	by	ADP
fsr-3389	174	48	approximately	approximately	ADV
fsr-3389	174	49	three	three	NUM
fsr-3389	174	50	and	and	CCONJ
fsr-3389	174	51	one	one	NUM
fsr-3389	174	52	-	-	PUNCT
fsr-3389	174	53	half	half	NOUN
fsr-3389	174	54	years	year	NOUN
fsr-3389	174	55	to	to	PART
fsr-3389	174	56	recoup	recoup	VERB
fsr-3389	174	57	all	all	DET
fsr-3389	174	58	sbp	sbp	NOUN
fsr-3389	174	59	premiums	premium	NOUN
fsr-3389	174	60	.	.	PUNCT
fsr-3389	175	1	more	more	ADV
fsr-3389	175	2	generally	generally	ADV
fsr-3389	175	3	,	,	PUNCT
fsr-3389	175	4	for	for	SCONJ
fsr-3389	175	5	sbp	sbp	NOUN
fsr-3389	175	6	payouts	payout	NOUN
fsr-3389	175	7	to	to	PART
fsr-3389	175	8	offset	offset	VERB
fsr-3389	175	9	premiums	premium	NOUN
fsr-3389	175	10	paid	pay	VERB
fsr-3389	175	11	(	(	PUNCT
fsr-3389	175	12	i.e.	i.e.	X
fsr-3389	175	13	,	,	PUNCT
fsr-3389	175	14	breakeven	breakeven	NUM
fsr-3389	175	15	)	)	PUNCT
fsr-3389	175	16	at	at	ADP
fsr-3389	175	17	any	any	DET
fsr-3389	175	18	point	point	NOUN
fsr-3389	175	19	in	in	ADP
fsr-3389	175	20	time	time	NOUN
fsr-3389	175	21	,	,	PUNCT
fsr-3389	175	22	the	the	DET
fsr-3389	175	23	spouse	spouse	NOUN
fsr-3389	175	24	beneficiary	beneficiary	NOUN
fsr-3389	175	25	must	must	AUX
fsr-3389	175	26	outlive	outlive	VERB
fsr-3389	175	27	the	the	DET
fsr-3389	175	28	insured	insure	VERB
fsr-3389	175	29	member	member	NOUN
fsr-3389	175	30	by	by	ADP
fsr-3389	175	31	12	12	NUM
fsr-3389	175	32	%	%	NOUN
fsr-3389	175	33	of	of	ADP
fsr-3389	175	34	the	the	DET
fsr-3389	175	35	total	total	ADJ
fsr-3389	175	36	duration	duration	NOUN
fsr-3389	175	37	that	that	PRON
fsr-3389	175	38	the	the	DET
fsr-3389	175	39	couple	couple	NOUN
fsr-3389	175	40	has	have	AUX
fsr-3389	175	41	paid	pay	VERB
fsr-3389	175	42	sbp	sbp	NOUN
fsr-3389	175	43	premiums.10	premiums.10	ADP
fsr-3389	175	44	the	the	DET
fsr-3389	175	45	upward	upward	ADJ
fsr-3389	175	46	sloping	slope	VERB
fsr-3389	175	47	payout	payout	NOUN
fsr-3389	175	48	on	on	ADP
fsr-3389	175	49	the	the	DET
fsr-3389	175	50	right	right	ADJ
fsr-3389	175	51	side	side	NOUN
fsr-3389	175	52	of	of	ADP
fsr-3389	175	53	the	the	DET
fsr-3389	175	54	triangle	triangle	NOUN
fsr-3389	175	55	represents	represent	VERB
fsr-3389	175	56	the	the	DET
fsr-3389	175	57	mortality	mortality	NOUN
fsr-3389	175	58	combinations	combination	NOUN
fsr-3389	175	59	where	where	SCONJ
fsr-3389	175	60	the	the	DET
fsr-3389	175	61	spouse	spouse	NOUN
fsr-3389	175	62	predeceases	predecease	VERB
fsr-3389	175	63	the	the	DET
fsr-3389	175	64	retiree	retiree	NOUN
fsr-3389	175	65	.	.	PUNCT
fsr-3389	176	1	in	in	ADP
fsr-3389	176	2	these	these	DET
fsr-3389	176	3	situations	situation	NOUN
fsr-3389	176	4	,	,	PUNCT
fsr-3389	176	5	the	the	DET
fsr-3389	176	6	retiree	retiree	NOUN
fsr-3389	176	7	has	have	AUX
fsr-3389	176	8	paid	pay	VERB
fsr-3389	176	9	some	some	DET
fsr-3389	176	10	premiums	premium	NOUN
fsr-3389	176	11	—	—	PUNCT
fsr-3389	176	12	but	but	CCONJ
fsr-3389	176	13	not	not	PART
fsr-3389	176	14	the	the	DET
fsr-3389	176	15	full	full	ADJ
fsr-3389	176	16	30	30	NUM
fsr-3389	176	17	years	year	NOUN
fsr-3389	176	18	’	'	PUNCT
fsr-3389	176	19	worth	worth	NOUN
fsr-3389	176	20	—	—	PUNCT
fsr-3389	176	21	and	and	CCONJ
fsr-3389	176	22	ceases	cease	VERB
fsr-3389	176	23	paying	pay	VERB
fsr-3389	176	24	upon	upon	SCONJ
fsr-3389	176	25	the	the	DET
fsr-3389	176	26	death	death	NOUN
fsr-3389	176	27	of	of	ADP
fsr-3389	176	28	his	his	PRON
fsr-3389	176	29	spouse	spouse	NOUN
fsr-3389	176	30	.	.	PUNCT
fsr-3389	177	1	having	having	AUX
fsr-3389	177	2	laid	lay	VERB
fsr-3389	177	3	the	the	DET
fsr-3389	177	4	groundwork	groundwork	NOUN
fsr-3389	177	5	for	for	ADP
fsr-3389	177	6	understanding	understand	VERB
fsr-3389	177	7	joint	joint	ADJ
fsr-3389	177	8	life	life	NOUN
fsr-3389	177	9	expectancy	expectancy	NOUN
fsr-3389	177	10	and	and	CCONJ
fsr-3389	177	11	absolute	absolute	ADJ
fsr-3389	177	12	payoffs	payoff	NOUN
fsr-3389	177	13	,	,	PUNCT
fsr-3389	177	14	we	we	PRON
fsr-3389	177	15	can	can	AUX
fsr-3389	177	16	now	now	ADV
fsr-3389	177	17	quantify	quantify	VERB
fsr-3389	177	18	the	the	DET
fsr-3389	177	19	expected	expect	VERB
fsr-3389	177	20	costs	cost	NOUN
fsr-3389	177	21	versus	versus	ADP
fsr-3389	177	22	benefits	benefit	NOUN
fsr-3389	177	23	of	of	ADP
fsr-3389	177	24	the	the	DET
fsr-3389	177	25	sbp	sbp	NOUN
fsr-3389	177	26	program	program	NOUN
fsr-3389	177	27	for	for	ADP
fsr-3389	177	28	an	an	DET
fsr-3389	177	29	officer	officer	NOUN
fsr-3389	177	30	retiree	retiree	NOUN
fsr-3389	177	31	.	.	PUNCT
fsr-3389	178	1	this	this	PRON
fsr-3389	178	2	is	be	AUX
fsr-3389	178	3	done	do	VERB
fsr-3389	178	4	by	by	ADP
fsr-3389	178	5	simply	simply	ADV
fsr-3389	178	6	multiplying	multiply	VERB
fsr-3389	178	7	the	the	DET
fsr-3389	178	8	values	value	NOUN
fsr-3389	178	9	in	in	ADP
fsr-3389	178	10	figs	fig	NOUN
fsr-3389	178	11	.	.	PUNCT
fsr-3389	179	1	2	2	NUM
fsr-3389	179	2	and	and	CCONJ
fsr-3389	179	3	3	3	NUM
fsr-3389	179	4	.	.	PUNCT
fsr-3389	179	5	doing	do	VERB
fsr-3389	179	6	so	so	ADV
fsr-3389	179	7	yields	yield	NOUN
fsr-3389	179	8	fig	fig	NOUN
fsr-3389	179	9	.	.	PUNCT
fsr-3389	180	1	4	4	NUM
fsr-3389	180	2	,	,	PUNCT
fsr-3389	180	3	which	which	PRON
fsr-3389	180	4	plots	plot	VERB
fsr-3389	180	5	the	the	DET
fsr-3389	180	6	expected	expected	ADJ
fsr-3389	180	7	net	net	ADJ
fsr-3389	180	8	payout	payout	NOUN
fsr-3389	180	9	contour	contour	NOUN
fsr-3389	180	10	for	for	ADP
fsr-3389	180	11	the	the	DET
fsr-3389	180	12	couple	couple	NOUN
fsr-3389	180	13	in	in	ADP
fsr-3389	180	14	our	our	PRON
fsr-3389	180	15	scenario	scenario	NOUN
fsr-3389	180	16	.	.	PUNCT
fsr-3389	181	1	visually	visually	ADV
fsr-3389	181	2	,	,	PUNCT
fsr-3389	181	3	the	the	DET
fsr-3389	181	4	joint	joint	ADJ
fsr-3389	181	5	life	life	NOUN
fsr-3389	181	6	expectancy	expectancy	NOUN
fsr-3389	181	7	probabilities	probability	NOUN
fsr-3389	181	8	dominate	dominate	VERB
fsr-3389	181	9	the	the	DET
fsr-3389	181	10	surface	surface	NOUN
fsr-3389	181	11	relative	relative	ADJ
fsr-3389	181	12	to	to	ADP
fsr-3389	181	13	the	the	DET
fsr-3389	181	14	payouts	payout	NOUN
fsr-3389	181	15	.	.	PUNCT
fsr-3389	182	1	because	because	SCONJ
fsr-3389	182	2	there	there	PRON
fsr-3389	182	3	is	be	VERB
fsr-3389	182	4	a	a	DET
fsr-3389	182	5	high	high	ADJ
fsr-3389	182	6	probability	probability	NOUN
fsr-3389	182	7	of	of	ADP
fsr-3389	182	8	both	both	CCONJ
fsr-3389	182	9	a	a	DET
fsr-3389	182	10	military	military	ADJ
fsr-3389	182	11	retiree	retiree	NOUN
fsr-3389	182	12	and	and	CCONJ
fsr-3389	182	13	his	his	PRON
fsr-3389	182	14	spouse	spouse	NOUN
fsr-3389	182	15	living	live	VERB
fsr-3389	182	16	around	around	ADP
fsr-3389	182	17	80	80	NUM
fsr-3389	182	18	years	year	NOUN
fsr-3389	182	19	,	,	PUNCT
fsr-3389	182	20	these	these	DET
fsr-3389	182	21	probabilities	probability	NOUN
fsr-3389	182	22	tend	tend	VERB
fsr-3389	182	23	to	to	PART
fsr-3389	182	24	dominate	dominate	VERB
fsr-3389	182	25	the	the	DET
fsr-3389	182	26	net	net	ADJ
fsr-3389	182	27	gains	gain	NOUN
fsr-3389	182	28	and	and	CCONJ
fsr-3389	182	29	losses	loss	NOUN
fsr-3389	182	30	shown	show	VERB
fsr-3389	182	31	in	in	ADP
fsr-3389	182	32	fig	fig	NOUN
fsr-3389	182	33	.	.	PUNCT
fsr-3389	183	1	3	3	X
fsr-3389	183	2	.	.	X
fsr-3389	183	3	the	the	DET
fsr-3389	183	4	likelihood	likelihood	NOUN
fsr-3389	183	5	of	of	ADP
fsr-3389	183	6	“	"	PUNCT
fsr-3389	183	7	winning	win	VERB
fsr-3389	183	8	”	"	PUNCT
fsr-3389	183	9	in	in	ADP
fsr-3389	183	10	the	the	DET
fsr-3389	183	11	sbp	sbp	NOUN
fsr-3389	183	12	—	—	PUNCT
fsr-3389	183	13	again	again	ADV
fsr-3389	183	14	,	,	PUNCT
fsr-3389	183	15	the	the	DET
fsr-3389	183	16	member	member	NOUN
fsr-3389	183	17	dying	die	VERB
fsr-3389	183	18	fig	fig	NOUN
fsr-3389	183	19	.	.	PUNCT
fsr-3389	184	1	4	4	X
fsr-3389	184	2	.	.	X
fsr-3389	184	3	expected	expect	VERB
fsr-3389	184	4	survivor	survivor	NOUN
fsr-3389	184	5	benefit	benefit	NOUN
fsr-3389	184	6	plan	plan	NOUN
fsr-3389	184	7	(	(	PUNCT
fsr-3389	184	8	sbp	sbp	NOUN
fsr-3389	184	9	)	)	PUNCT
fsr-3389	184	10	net	net	ADJ
fsr-3389	184	11	payout	payout	NOUN
fsr-3389	184	12	for	for	ADP
fsr-3389	184	13	u.s	u.s	PROPN
fsr-3389	184	14	.	.	PROPN
fsr-3389	184	15	military	military	ADJ
fsr-3389	184	16	retirees	retiree	NOUN
fsr-3389	184	17	and	and	CCONJ
fsr-3389	184	18	spouses	spouse	NOUN
fsr-3389	184	19	.	.	PUNCT
fsr-3389	185	1	this	this	DET
fsr-3389	185	2	plot	plot	NOUN
fsr-3389	185	3	shows	show	VERB
fsr-3389	185	4	the	the	DET
fsr-3389	185	5	probability	probability	NOUN
fsr-3389	185	6	-	-	PUNCT
fsr-3389	185	7	weighted	weight	VERB
fsr-3389	185	8	sbp	sbp	NOUN
fsr-3389	185	9	net	net	ADJ
fsr-3389	185	10	payouts	payout	NOUN
fsr-3389	185	11	for	for	ADP
fsr-3389	185	12	various	various	ADJ
fsr-3389	185	13	mortality	mortality	NOUN
fsr-3389	185	14	combinations	combination	NOUN
fsr-3389	185	15	of	of	ADP
fsr-3389	185	16	a	a	DET
fsr-3389	185	17	military	military	ADJ
fsr-3389	185	18	member	member	NOUN
fsr-3389	185	19	and	and	CCONJ
fsr-3389	185	20	nonmilitary	nonmilitary	ADJ
fsr-3389	185	21	spouse	spouse	NOUN
fsr-3389	185	22	who	who	PRON
fsr-3389	185	23	elect	elect	VERB
fsr-3389	185	24	to	to	PART
fsr-3389	185	25	purchase	purchase	VERB
fsr-3389	185	26	sbp	sbp	NOUN
fsr-3389	185	27	pension	pension	NOUN
fsr-3389	185	28	protection	protection	NOUN
fsr-3389	185	29	.	.	PUNCT
fsr-3389	186	1	155w.w	155w.w	X
fsr-3389	186	2	.	.	PUNCT
fsr-3389	187	1	jennings	jennings	PROPN
fsr-3389	187	2	et	et	PROPN
fsr-3389	187	3	al	al	PROPN
fsr-3389	187	4	.	.	PUNCT
fsr-3389	187	5	/	/	SYM
fsr-3389	187	6	financial	financial	ADJ
fsr-3389	187	7	services	service	NOUN
fsr-3389	187	8	review	review	VERB
fsr-3389	187	9	27	27	NUM
fsr-3389	187	10	(	(	PUNCT
fsr-3389	187	11	2018	2018	NUM
fsr-3389	187	12	)	)	PUNCT
fsr-3389	187	13	147	147	NUM
fsr-3389	187	14	-	-	SYM
fsr-3389	187	15	172	172	NUM
fsr-3389	187	16	tragically	tragically	ADV
fsr-3389	187	17	young	young	ADJ
fsr-3389	187	18	and	and	CCONJ
fsr-3389	187	19	spouse	spouse	NOUN
fsr-3389	187	20	living	live	VERB
fsr-3389	187	21	for	for	ADP
fsr-3389	187	22	a	a	DET
fsr-3389	187	23	long	long	ADJ
fsr-3389	187	24	time	time	NOUN
fsr-3389	187	25	—	—	PUNCT
fsr-3389	187	26	is	be	AUX
fsr-3389	187	27	so	so	ADV
fsr-3389	187	28	low	low	ADJ
fsr-3389	187	29	that	that	SCONJ
fsr-3389	187	30	the	the	DET
fsr-3389	187	31	multimillion	multimillion	NUM
fsr-3389	187	32	-	-	PUNCT
fsr-3389	187	33	dollar	dollar	NOUN
fsr-3389	187	34	payout	payout	NOUN
fsr-3389	187	35	scenario	scenario	NOUN
fsr-3389	187	36	scarcely	scarcely	ADJ
fsr-3389	187	37	registers	register	NOUN
fsr-3389	187	38	.	.	PUNCT
fsr-3389	188	1	recognizing	recognize	VERB
fsr-3389	188	2	that	that	SCONJ
fsr-3389	188	3	the	the	DET
fsr-3389	188	4	volume	volume	NOUN
fsr-3389	188	5	under	under	ADP
fsr-3389	188	6	the	the	DET
fsr-3389	188	7	curve	curve	NOUN
fsr-3389	188	8	in	in	ADP
fsr-3389	188	9	fig	fig	NOUN
fsr-3389	188	10	.	.	PUNCT
fsr-3389	188	11	4	4	NUM
fsr-3389	188	12	represents	represent	VERB
fsr-3389	188	13	the	the	DET
fsr-3389	188	14	aggregate	aggregate	ADJ
fsr-3389	188	15	expected	expect	VERB
fsr-3389	188	16	value	value	NOUN
fsr-3389	188	17	of	of	ADP
fsr-3389	188	18	sbp	sbp	NOUN
fsr-3389	188	19	(	(	PUNCT
fsr-3389	188	20	i.e.	i.e.	X
fsr-3389	188	21	,	,	PUNCT
fsr-3389	188	22	probability	probability	NOUN
fsr-3389	188	23	�	�	PROPN
fsr-3389	188	24	net	net	ADJ
fsr-3389	188	25	payout	payout	NOUN
fsr-3389	188	26	,	,	PUNCT
fsr-3389	188	27	where	where	SCONJ
fsr-3389	188	28	sum	sum	NOUN
fsr-3389	188	29	of	of	ADP
fsr-3389	188	30	probabilities	probability	NOUN
fsr-3389	188	31	equals	equal	VERB
fsr-3389	188	32	one	one	NUM
fsr-3389	188	33	)	)	PUNCT
fsr-3389	188	34	,	,	PUNCT
fsr-3389	188	35	some	some	DET
fsr-3389	188	36	noteworthy	noteworthy	ADJ
fsr-3389	188	37	observations	observation	NOUN
fsr-3389	188	38	result	result	VERB
fsr-3389	188	39	.	.	PUNCT
fsr-3389	189	1	for	for	ADP
fsr-3389	189	2	instance	instance	NOUN
fsr-3389	189	3	,	,	PUNCT
fsr-3389	189	4	as	as	SCONJ
fsr-3389	189	5	the	the	DET
fsr-3389	189	6	sbp	sbp	NOUN
fsr-3389	189	7	program	program	NOUN
fsr-3389	189	8	and	and	CCONJ
fsr-3389	189	9	prior	prior	ADJ
fsr-3389	189	10	authors	author	NOUN
fsr-3389	189	11	have	have	AUX
fsr-3389	189	12	noted	note	VERB
fsr-3389	189	13	,	,	PUNCT
fsr-3389	189	14	the	the	DET
fsr-3389	189	15	program	program	NOUN
fsr-3389	189	16	is	be	AUX
fsr-3389	189	17	not	not	PART
fsr-3389	189	18	actuarially	actuarially	ADV
fsr-3389	189	19	-	-	PUNCT
fsr-3389	189	20	neutral	neutral	ADJ
fsr-3389	189	21	.	.	PUNCT
fsr-3389	190	1	in	in	ADP
fsr-3389	190	2	fact	fact	NOUN
fsr-3389	190	3	,	,	PUNCT
fsr-3389	190	4	its	its	PRON
fsr-3389	190	5	expected	expect	VERB
fsr-3389	190	6	net	net	ADJ
fsr-3389	190	7	payout	payout	NOUN
fsr-3389	190	8	(	(	PUNCT
fsr-3389	190	9	i.e.	i.e.	X
fsr-3389	190	10	,	,	PUNCT
fsr-3389	190	11	benefits	benefit	NOUN
fsr-3389	190	12	minus	minus	CCONJ
fsr-3389	190	13	premiums	premium	NOUN
fsr-3389	190	14	)	)	PUNCT
fsr-3389	190	15	for	for	ADP
fsr-3389	190	16	this	this	DET
fsr-3389	190	17	scenario	scenario	NOUN
fsr-3389	190	18	is	be	AUX
fsr-3389	190	19	over	over	ADP
fsr-3389	190	20	$	$	SYM
fsr-3389	190	21	61,000	61,000	NUM
fsr-3389	190	22	.	.	PUNCT
fsr-3389	191	1	thus	thus	ADV
fsr-3389	191	2	,	,	PUNCT
fsr-3389	191	3	as	as	ADP
fsr-3389	191	4	many	many	ADJ
fsr-3389	191	5	claim	claim	NOUN
fsr-3389	191	6	,	,	PUNCT
fsr-3389	191	7	sbp	sbp	PROPN
fsr-3389	191	8	is	be	AUX
fsr-3389	191	9	a	a	DET
fsr-3389	191	10	subsidized	subsidized	ADJ
fsr-3389	191	11	program	program	NOUN
fsr-3389	191	12	for	for	ADP
fsr-3389	191	13	the	the	DET
fsr-3389	191	14	benefit	benefit	NOUN
fsr-3389	191	15	of	of	ADP
fsr-3389	191	16	military	military	ADJ
fsr-3389	191	17	retirees	retiree	NOUN
fsr-3389	191	18	.	.	PUNCT
fsr-3389	192	1	also	also	ADV
fsr-3389	192	2	,	,	PUNCT
fsr-3389	192	3	the	the	DET
fsr-3389	192	4	knife	knife	NOUN
fsr-3389	192	5	-	-	PUNCT
fsr-3389	192	6	edge	edge	NOUN
fsr-3389	192	7	between	between	ADP
fsr-3389	192	8	winning	win	VERB
fsr-3389	192	9	and	and	CCONJ
fsr-3389	192	10	losing	lose	VERB
fsr-3389	192	11	in	in	ADP
fsr-3389	192	12	the	the	DET
fsr-3389	192	13	center	center	NOUN
fsr-3389	192	14	of	of	ADP
fsr-3389	192	15	the	the	DET
fsr-3389	192	16	plot	plot	NOUN
fsr-3389	192	17	stands	stand	VERB
fsr-3389	192	18	out	out	ADP
fsr-3389	192	19	.	.	PUNCT
fsr-3389	193	1	probabilistically	probabilistically	ADV
fsr-3389	193	2	,	,	PUNCT
fsr-3389	193	3	it	it	PRON
fsr-3389	193	4	is	be	AUX
fsr-3389	193	5	almost	almost	ADV
fsr-3389	193	6	a	a	DET
fsr-3389	193	7	toss	toss	NOUN
fsr-3389	193	8	-	-	PUNCT
fsr-3389	193	9	up	up	NOUN
fsr-3389	193	10	between	between	ADP
fsr-3389	193	11	whether	whether	SCONJ
fsr-3389	193	12	(	(	PUNCT
fsr-3389	193	13	1	1	X
fsr-3389	193	14	)	)	PUNCT
fsr-3389	193	15	the	the	DET
fsr-3389	193	16	retiree	retiree	NOUN
fsr-3389	193	17	dies	die	VERB
fsr-3389	193	18	early	early	ADV
fsr-3389	193	19	enough	enough	ADV
fsr-3389	193	20	for	for	SCONJ
fsr-3389	193	21	his	his	PRON
fsr-3389	193	22	spouse	spouse	NOUN
fsr-3389	193	23	to	to	PART
fsr-3389	193	24	collect	collect	VERB
fsr-3389	193	25	enough	enough	ADJ
fsr-3389	193	26	sbp	sbp	NOUN
fsr-3389	193	27	for	for	ADP
fsr-3389	193	28	a	a	DET
fsr-3389	193	29	positive	positive	ADJ
fsr-3389	193	30	net	net	ADJ
fsr-3389	193	31	payout	payout	NOUN
fsr-3389	193	32	(	(	PUNCT
fsr-3389	193	33	represented	represent	VERB
fsr-3389	193	34	by	by	ADP
fsr-3389	193	35	the	the	DET
fsr-3389	193	36	peak	peak	NOUN
fsr-3389	193	37	)	)	PUNCT
fsr-3389	193	38	and	and	CCONJ
fsr-3389	193	39	(	(	PUNCT
fsr-3389	193	40	2	2	X
fsr-3389	193	41	)	)	PUNCT
fsr-3389	193	42	the	the	DET
fsr-3389	193	43	retiree	retiree	NOUN
fsr-3389	193	44	either	either	CCONJ
fsr-3389	193	45	lives	live	VERB
fsr-3389	193	46	too	too	ADV
fsr-3389	193	47	long	long	ADJ
fsr-3389	193	48	for	for	SCONJ
fsr-3389	193	49	his	his	PRON
fsr-3389	193	50	spouse	spouse	NOUN
fsr-3389	193	51	to	to	PART
fsr-3389	193	52	collect	collect	VERB
fsr-3389	193	53	enough	enough	ADJ
fsr-3389	193	54	sbp	sbp	NOUN
fsr-3389	193	55	or	or	CCONJ
fsr-3389	193	56	that	that	SCONJ
fsr-3389	193	57	she	she	PRON
fsr-3389	193	58	predeceases	predecease	VERB
fsr-3389	193	59	him	he	PRON
fsr-3389	193	60	,	,	PUNCT
fsr-3389	193	61	represented	represent	VERB
fsr-3389	193	62	by	by	ADP
fsr-3389	193	63	the	the	DET
fsr-3389	193	64	deep	deep	ADJ
fsr-3389	193	65	depression	depression	NOUN
fsr-3389	193	66	.	.	PUNCT
fsr-3389	194	1	we	we	PRON
fsr-3389	194	2	now	now	ADV
fsr-3389	194	3	ask	ask	VERB
fsr-3389	194	4	where	where	SCONJ
fsr-3389	194	5	the	the	DET
fsr-3389	194	6	sbp	sbp	NOUN
fsr-3389	194	7	value	value	NOUN
fsr-3389	194	8	comes	come	VERB
fsr-3389	194	9	from	from	ADP
fsr-3389	194	10	and	and	CCONJ
fsr-3389	194	11	whether	whether	SCONJ
fsr-3389	194	12	that	that	DET
fsr-3389	194	13	value	value	NOUN
fsr-3389	194	14	most	most	ADV
fsr-3389	194	15	effectively	effectively	ADV
fsr-3389	194	16	addresses	address	VERB
fsr-3389	194	17	the	the	DET
fsr-3389	194	18	retiree	retiree	NOUN
fsr-3389	194	19	’s	’s	PART
fsr-3389	194	20	needs	need	NOUN
fsr-3389	194	21	.	.	PUNCT
fsr-3389	195	1	it	it	PRON
fsr-3389	195	2	turns	turn	VERB
fsr-3389	195	3	out	out	ADP
fsr-3389	195	4	that	that	SCONJ
fsr-3389	195	5	almost	almost	ADV
fsr-3389	195	6	60	60	NUM
fsr-3389	195	7	%	%	NOUN
fsr-3389	195	8	of	of	ADP
fsr-3389	195	9	the	the	DET
fsr-3389	195	10	sbp	sbp	NOUN
fsr-3389	195	11	value	value	NOUN
fsr-3389	195	12	comes	come	VERB
fsr-3389	195	13	in	in	ADP
fsr-3389	195	14	an	an	DET
fsr-3389	195	15	expanded	expand	VERB
fsr-3389	195	16	definition	definition	NOUN
fsr-3389	195	17	of	of	ADP
fsr-3389	195	18	who	who	PRON
fsr-3389	195	19	are	be	AUX
fsr-3389	195	20	the	the	DET
fsr-3389	195	21	sbp	sbp	NOUN
fsr-3389	195	22	winners	winner	NOUN
fsr-3389	195	23	.	.	PUNCT
fsr-3389	196	1	specifically	specifically	ADV
fsr-3389	196	2	,	,	PUNCT
fsr-3389	196	3	let	let	VERB
fsr-3389	196	4	us	we	PRON
fsr-3389	196	5	expand	expand	VERB
fsr-3389	196	6	the	the	DET
fsr-3389	196	7	definition	definition	NOUN
fsr-3389	196	8	of	of	ADP
fsr-3389	196	9	winners	winner	NOUN
fsr-3389	196	10	to	to	PART
fsr-3389	196	11	include	include	VERB
fsr-3389	196	12	those	those	DET
fsr-3389	196	13	scenarios	scenario	NOUN
fsr-3389	196	14	where	where	SCONJ
fsr-3389	196	15	the	the	DET
fsr-3389	196	16	military	military	ADJ
fsr-3389	196	17	retiree	retiree	NOUN
fsr-3389	196	18	dies	die	VERB
fsr-3389	196	19	before	before	ADP
fsr-3389	196	20	age	age	NOUN
fsr-3389	196	21	66	66	NUM
fsr-3389	196	22	,	,	PUNCT
fsr-3389	196	23	and	and	CCONJ
fsr-3389	196	24	his	his	PRON
fsr-3389	196	25	spouse	spouse	NOUN
fsr-3389	196	26	lives	live	VERB
fsr-3389	196	27	at	at	ADP
fsr-3389	196	28	least	least	ADV
fsr-3389	196	29	10	10	NUM
fsr-3389	196	30	years	year	NOUN
fsr-3389	196	31	more	more	ADJ
fsr-3389	196	32	.	.	PUNCT
fsr-3389	197	1	in	in	ADP
fsr-3389	197	2	other	other	ADJ
fsr-3389	197	3	words	word	NOUN
fsr-3389	197	4	,	,	PUNCT
fsr-3389	197	5	the	the	DET
fsr-3389	197	6	retiree	retiree	NOUN
fsr-3389	197	7	dies	die	VERB
fsr-3389	197	8	relatively	relatively	ADV
fsr-3389	197	9	young	young	ADJ
fsr-3389	197	10	,	,	PUNCT
fsr-3389	197	11	and	and	CCONJ
fsr-3389	197	12	the	the	DET
fsr-3389	197	13	spouse	spouse	NOUN
fsr-3389	197	14	then	then	ADV
fsr-3389	197	15	survives	survive	VERB
fsr-3389	197	16	for	for	ADP
fsr-3389	197	17	at	at	ADV
fsr-3389	197	18	least	least	ADJ
fsr-3389	197	19	another	another	PRON
fsr-3389	197	20	decade	decade	NOUN
fsr-3389	197	21	.	.	PUNCT
fsr-3389	198	1	while	while	SCONJ
fsr-3389	198	2	this	this	DET
fsr-3389	198	3	particular	particular	ADJ
fsr-3389	198	4	scenario	scenario	NOUN
fsr-3389	198	5	occurs	occur	VERB
fsr-3389	198	6	less	less	ADJ
fsr-3389	198	7	than	than	ADP
fsr-3389	198	8	five	five	NUM
fsr-3389	198	9	percent	percent	NOUN
fsr-3389	198	10	of	of	ADP
fsr-3389	198	11	the	the	DET
fsr-3389	198	12	time	time	NOUN
fsr-3389	198	13	,	,	PUNCT
fsr-3389	198	14	it	it	PRON
fsr-3389	198	15	represents	represent	VERB
fsr-3389	198	16	almost	almost	ADV
fsr-3389	198	17	60	60	NUM
fsr-3389	198	18	%	%	NOUN
fsr-3389	198	19	of	of	ADP
fsr-3389	198	20	the	the	DET
fsr-3389	198	21	sbp	sbp	NOUN
fsr-3389	198	22	total	total	NOUN
fsr-3389	198	23	expected	expect	VERB
fsr-3389	198	24	value	value	NOUN
fsr-3389	198	25	.	.	PUNCT
fsr-3389	199	1	stated	state	VERB
fsr-3389	199	2	differently	differently	ADV
fsr-3389	199	3	,	,	PUNCT
fsr-3389	199	4	for	for	ADP
fsr-3389	199	5	a	a	DET
fsr-3389	199	6	common	common	ADJ
fsr-3389	199	7	retiree	retiree	NOUN
fsr-3389	199	8	-	-	PUNCT
fsr-3389	199	9	spouse	spouse	NOUN
fsr-3389	199	10	scenario	scenario	NOUN
fsr-3389	199	11	,	,	PUNCT
fsr-3389	199	12	non	non	NOUN
fsr-3389	199	13	-	-	NOUN
fsr-3389	199	14	winners	winner	NOUN
fsr-3389	199	15	represent	represent	VERB
fsr-3389	199	16	over	over	ADP
fsr-3389	199	17	95	95	NUM
fsr-3389	199	18	%	%	NOUN
fsr-3389	199	19	of	of	ADP
fsr-3389	199	20	the	the	DET
fsr-3389	199	21	scenarios	scenario	NOUN
fsr-3389	199	22	but	but	CCONJ
fsr-3389	199	23	only	only	ADV
fsr-3389	199	24	collect	collect	VERB
fsr-3389	199	25	40	40	NUM
fsr-3389	199	26	%	%	NOUN
fsr-3389	199	27	of	of	ADP
fsr-3389	199	28	the	the	DET
fsr-3389	199	29	expected	expect	VERB
fsr-3389	199	30	sbp	sbp	NOUN
fsr-3389	199	31	benefit	benefit	NOUN
fsr-3389	199	32	.	.	PUNCT
fsr-3389	200	1	the	the	DET
fsr-3389	200	2	returns	return	NOUN
fsr-3389	200	3	to	to	ADP
fsr-3389	200	4	sbp	sbp	NOUN
fsr-3389	200	5	are	be	AUX
fsr-3389	200	6	exceedingly	exceedingly	ADV
fsr-3389	200	7	skewed	skewed	ADJ
fsr-3389	200	8	toward	toward	ADP
fsr-3389	200	9	those	those	PRON
fsr-3389	200	10	who	who	PRON
fsr-3389	200	11	die	die	VERB
fsr-3389	200	12	relatively	relatively	ADV
fsr-3389	200	13	young	young	ADJ
fsr-3389	200	14	and	and	CCONJ
fsr-3389	200	15	have	have	VERB
fsr-3389	200	16	long	long	ADV
fsr-3389	200	17	-	-	PUNCT
fsr-3389	200	18	lived	live	VERB
fsr-3389	200	19	surviving	survive	VERB
fsr-3389	200	20	spouses	spouse	NOUN
fsr-3389	200	21	who	who	PRON
fsr-3389	200	22	do	do	AUX
fsr-3389	200	23	not	not	PART
fsr-3389	200	24	remarry	remarry	VERB
fsr-3389	200	25	.	.	PUNCT
fsr-3389	201	1	a	a	DET
fsr-3389	201	2	minority	minority	NOUN
fsr-3389	201	3	of	of	ADP
fsr-3389	201	4	people	people	NOUN
fsr-3389	201	5	get	get	VERB
fsr-3389	201	6	more	more	ADV
fsr-3389	201	7	back	back	ADV
fsr-3389	201	8	than	than	SCONJ
fsr-3389	201	9	they	they	PRON
fsr-3389	201	10	spend	spend	VERB
fsr-3389	201	11	,	,	PUNCT
fsr-3389	201	12	and	and	CCONJ
fsr-3389	201	13	a	a	DET
fsr-3389	201	14	very	very	ADV
fsr-3389	201	15	select	select	ADJ
fsr-3389	201	16	few	few	ADJ
fsr-3389	201	17	get	get	VERB
fsr-3389	201	18	exceedingly	exceedingly	ADV
fsr-3389	201	19	high	high	ADJ
fsr-3389	201	20	returns	return	NOUN
fsr-3389	201	21	.	.	PUNCT
fsr-3389	202	1	there	there	PRON
fsr-3389	202	2	is	be	VERB
fsr-3389	202	3	over	over	ADP
fsr-3389	202	4	a	a	DET
fsr-3389	202	5	60	60	NUM
fsr-3389	202	6	%	%	NOUN
fsr-3389	202	7	probability	probability	NOUN
fsr-3389	202	8	that	that	SCONJ
fsr-3389	202	9	sbp	sbp	NOUN
fsr-3389	202	10	participants	participant	NOUN
fsr-3389	202	11	will	will	AUX
fsr-3389	202	12	pay	pay	VERB
fsr-3389	202	13	more	more	ADJ
fsr-3389	202	14	into	into	ADP
fsr-3389	202	15	the	the	DET
fsr-3389	202	16	sbp	sbp	NOUN
fsr-3389	202	17	program	program	NOUN
fsr-3389	202	18	than	than	SCONJ
fsr-3389	202	19	they	they	PRON
fsr-3389	202	20	ever	ever	ADV
fsr-3389	202	21	receive	receive	VERB
fsr-3389	202	22	,	,	PUNCT
fsr-3389	202	23	despite	despite	SCONJ
fsr-3389	202	24	its	its	PRON
fsr-3389	202	25	federally	federally	ADV
fsr-3389	202	26	-	-	PUNCT
fsr-3389	202	27	subsidized	subsidize	VERB
fsr-3389	202	28	status	status	NOUN
fsr-3389	202	29	.	.	PUNCT
fsr-3389	203	1	this	this	DET
fsr-3389	203	2	finding	finding	NOUN
fsr-3389	203	3	surprises	surprise	VERB
fsr-3389	203	4	us	we	PRON
fsr-3389	203	5	,	,	PUNCT
fsr-3389	203	6	given	give	VERB
fsr-3389	203	7	that	that	SCONJ
fsr-3389	203	8	when	when	SCONJ
fsr-3389	203	9	asked	ask	VERB
fsr-3389	203	10	,	,	PUNCT
fsr-3389	203	11	“	"	PUNCT
fsr-3389	203	12	is	be	AUX
fsr-3389	203	13	sbp	sbp	NOUN
fsr-3389	203	14	a	a	DET
fsr-3389	203	15	good	good	ADJ
fsr-3389	203	16	buy	buy	NOUN
fsr-3389	203	17	?	?	PUNCT
fsr-3389	203	18	”	"	PUNCT
fsr-3389	203	19	,	,	PUNCT
fsr-3389	203	20	the	the	DET
fsr-3389	203	21	military	military	ADJ
fsr-3389	203	22	pay	pay	NOUN
fsr-3389	203	23	and	and	CCONJ
fsr-3389	203	24	benefits	benefit	NOUN
fsr-3389	203	25	website	website	NOUN
fsr-3389	203	26	sponsored	sponsor	VERB
fsr-3389	203	27	by	by	ADP
fsr-3389	203	28	the	the	DET
fsr-3389	203	29	office	office	NOUN
fsr-3389	203	30	of	of	ADP
fsr-3389	203	31	the	the	PRON
fsr-3389	203	32	under	under	ADP
fsr-3389	203	33	secretary	secretary	PROPN
fsr-3389	203	34	of	of	ADP
fsr-3389	203	35	defense	defense	PROPN
fsr-3389	203	36	for	for	ADP
fsr-3389	203	37	personnel	personnel	NOUN
fsr-3389	203	38	and	and	CCONJ
fsr-3389	203	39	readiness	readiness	NOUN
fsr-3389	203	40	responds	respond	NOUN
fsr-3389	203	41	,	,	PUNCT
fsr-3389	203	42	“	"	PUNCT
fsr-3389	203	43	.	.	PUNCT
fsr-3389	203	44	.	.	PUNCT
fsr-3389	203	45	.	.	PUNCT
fsr-3389	204	1	the	the	DET
fsr-3389	204	2	answer	answer	NOUN
fsr-3389	204	3	for	for	ADP
fsr-3389	204	4	most	most	ADJ
fsr-3389	204	5	retirees	retiree	NOUN
fsr-3389	204	6	is	be	AUX
fsr-3389	204	7	yes!”11	yes!”11	ADJ
fsr-3389	204	8	having	having	AUX
fsr-3389	204	9	defined	define	VERB
fsr-3389	204	10	the	the	DET
fsr-3389	204	11	winner	winner	NOUN
fsr-3389	204	12	as	as	ADP
fsr-3389	204	13	a	a	DET
fsr-3389	204	14	low	low	ADJ
fsr-3389	204	15	-	-	PUNCT
fsr-3389	204	16	odds	odd	NOUN
fsr-3389	204	17	1	1	NUM
fsr-3389	204	18	-	-	PUNCT
fsr-3389	204	19	in-20	in-20	NUM
fsr-3389	204	20	scenario	scenario	NOUN
fsr-3389	204	21	,	,	PUNCT
fsr-3389	204	22	we	we	PRON
fsr-3389	204	23	now	now	ADV
fsr-3389	204	24	expand	expand	VERB
fsr-3389	204	25	the	the	DET
fsr-3389	204	26	definition	definition	NOUN
fsr-3389	204	27	and	and	CCONJ
fsr-3389	204	28	determine	determine	VERB
fsr-3389	204	29	who	who	PRON
fsr-3389	204	30	are	be	AUX
fsr-3389	204	31	the	the	DET
fsr-3389	204	32	“	"	PUNCT
fsr-3389	204	33	usual	usual	ADJ
fsr-3389	204	34	winners	winner	NOUN
fsr-3389	204	35	”	"	PUNCT
fsr-3389	204	36	of	of	ADP
fsr-3389	204	37	sbp	sbp	NOUN
fsr-3389	204	38	.	.	PUNCT
fsr-3389	205	1	these	these	PRON
fsr-3389	205	2	are	be	AUX
fsr-3389	205	3	couples	couple	NOUN
fsr-3389	205	4	in	in	ADP
fsr-3389	205	5	which	which	PRON
fsr-3389	205	6	the	the	DET
fsr-3389	205	7	military	military	ADJ
fsr-3389	205	8	retiree	retiree	NOUN
fsr-3389	205	9	dies	die	VERB
fsr-3389	205	10	after	after	ADP
fsr-3389	205	11	age	age	NOUN
fsr-3389	205	12	66	66	NUM
fsr-3389	205	13	(	(	PUNCT
fsr-3389	205	14	i.e.	i.e.	X
fsr-3389	205	15	,	,	PUNCT
fsr-3389	205	16	dies	die	VERB
fsr-3389	205	17	later	later	ADV
fsr-3389	205	18	)	)	PUNCT
fsr-3389	205	19	and	and	CCONJ
fsr-3389	205	20	the	the	DET
fsr-3389	205	21	spouse	spouse	NOUN
fsr-3389	205	22	then	then	ADV
fsr-3389	205	23	lives	live	VERB
fsr-3389	205	24	at	at	ADV
fsr-3389	205	25	least	least	ADV
fsr-3389	205	26	12	12	NUM
fsr-3389	205	27	%	%	NOUN
fsr-3389	205	28	longer	long	ADV
fsr-3389	205	29	than	than	SCONJ
fsr-3389	205	30	the	the	DET
fsr-3389	205	31	retiree	retiree	NOUN
fsr-3389	205	32	has	have	AUX
fsr-3389	205	33	been	be	AUX
fsr-3389	205	34	retired	retire	VERB
fsr-3389	205	35	(	(	PUNCT
fsr-3389	205	36	i.e.	i.e.	X
fsr-3389	205	37	,	,	PUNCT
fsr-3389	205	38	to	to	PART
fsr-3389	205	39	get	get	VERB
fsr-3389	205	40	past	past	ADP
fsr-3389	205	41	the	the	DET
fsr-3389	205	42	breakeven	breakeven	ADJ
fsr-3389	205	43	point	point	NOUN
fsr-3389	205	44	discussed	discuss	VERB
fsr-3389	205	45	earlier	early	ADV
fsr-3389	205	46	)	)	PUNCT
fsr-3389	205	47	.	.	PUNCT
fsr-3389	206	1	because	because	SCONJ
fsr-3389	206	2	these	these	PRON
fsr-3389	206	3	are	be	AUX
fsr-3389	206	4	more	more	ADV
fsr-3389	206	5	likely	likely	ADJ
fsr-3389	206	6	outcomes	outcome	NOUN
fsr-3389	206	7	,	,	PUNCT
fsr-3389	206	8	it	it	PRON
fsr-3389	206	9	is	be	AUX
fsr-3389	206	10	critical	critical	ADJ
fsr-3389	206	11	to	to	PART
fsr-3389	206	12	consider	consider	VERB
fsr-3389	206	13	these	these	DET
fsr-3389	206	14	cases	case	NOUN
fsr-3389	206	15	.	.	PUNCT
fsr-3389	207	1	by	by	ADP
fsr-3389	207	2	age	age	NOUN
fsr-3389	207	3	67	67	NUM
fsr-3389	207	4	,	,	PUNCT
fsr-3389	207	5	a	a	DET
fsr-3389	207	6	beneficiary	beneficiary	NOUN
fsr-3389	207	7	spouse	spouse	NOUN
fsr-3389	207	8	will	will	AUX
fsr-3389	207	9	have	have	VERB
fsr-3389	207	10	social	social	ADJ
fsr-3389	207	11	security	security	NOUN
fsr-3389	207	12	options	option	NOUN
fsr-3389	207	13	and	and	CCONJ
fsr-3389	207	14	often	often	ADV
fsr-3389	207	15	other	other	ADJ
fsr-3389	207	16	savings	saving	NOUN
fsr-3389	207	17	(	(	PUNCT
fsr-3389	207	18	retirement	retirement	NOUN
fsr-3389	207	19	and	and	CCONJ
fsr-3389	207	20	other	other	ADJ
fsr-3389	207	21	)	)	PUNCT
fsr-3389	207	22	,	,	PUNCT
fsr-3389	207	23	and	and	CCONJ
fsr-3389	207	24	perhaps	perhaps	ADV
fsr-3389	207	25	a	a	DET
fsr-3389	207	26	pension	pension	NOUN
fsr-3389	207	27	from	from	ADP
fsr-3389	207	28	the	the	DET
fsr-3389	207	29	spouse	spouse	NOUN
fsr-3389	207	30	’s	’s	PART
fsr-3389	207	31	own	own	ADJ
fsr-3389	207	32	job	job	NOUN
fsr-3389	207	33	.	.	PUNCT
fsr-3389	208	1	as	as	ADP
fsr-3389	208	2	a	a	DET
fsr-3389	208	3	result	result	NOUN
fsr-3389	208	4	,	,	PUNCT
fsr-3389	208	5	the	the	DET
fsr-3389	208	6	sbp	sbp	NOUN
fsr-3389	208	7	decision	decision	NOUN
fsr-3389	208	8	becomes	become	VERB
fsr-3389	208	9	one	one	NUM
fsr-3389	208	10	of	of	ADP
fsr-3389	208	11	marginal	marginal	ADJ
fsr-3389	208	12	wealth	wealth	NOUN
fsr-3389	208	13	.	.	PUNCT
fsr-3389	209	1	that	that	PRON
fsr-3389	209	2	is	is	ADV
fsr-3389	209	3	,	,	PUNCT
fsr-3389	209	4	given	give	VERB
fsr-3389	209	5	the	the	DET
fsr-3389	209	6	couple	couple	NOUN
fsr-3389	209	7	’s	’s	PART
fsr-3389	209	8	other	other	ADJ
fsr-3389	209	9	endowments	endowment	NOUN
fsr-3389	209	10	(	(	PUNCT
fsr-3389	209	11	savings	saving	NOUN
fsr-3389	209	12	)	)	PUNCT
fsr-3389	209	13	and	and	CCONJ
fsr-3389	209	14	income	income	NOUN
fsr-3389	209	15	(	(	PUNCT
fsr-3389	209	16	social	social	ADJ
fsr-3389	209	17	security	security	NOUN
fsr-3389	209	18	and	and	CCONJ
fsr-3389	209	19	pension	pension	NOUN
fsr-3389	209	20	)	)	PUNCT
fsr-3389	209	21	,	,	PUNCT
fsr-3389	209	22	will	will	AUX
fsr-3389	209	23	the	the	DET
fsr-3389	209	24	marginal	marginal	ADJ
fsr-3389	209	25	sbp	sbp	NOUN
fsr-3389	209	26	protection	protection	NOUN
fsr-3389	209	27	be	be	AUX
fsr-3389	209	28	necessary	necessary	ADJ
fsr-3389	209	29	in	in	ADP
fsr-3389	209	30	the	the	DET
fsr-3389	209	31	most	most	ADV
fsr-3389	209	32	probable	probable	ADJ
fsr-3389	209	33	situations	situation	NOUN
fsr-3389	209	34	?	?	PUNCT
fsr-3389	210	1	we	we	PRON
fsr-3389	210	2	contend	contend	VERB
fsr-3389	210	3	the	the	DET
fsr-3389	210	4	answer	answer	NOUN
fsr-3389	210	5	to	to	ADP
fsr-3389	210	6	this	this	DET
fsr-3389	210	7	question	question	NOUN
fsr-3389	210	8	is	be	AUX
fsr-3389	210	9	:	:	PUNCT
fsr-3389	210	10	probably	probably	ADV
fsr-3389	210	11	not	not	PART
fsr-3389	210	12	.	.	PUNCT
fsr-3389	211	1	thus	thus	ADV
fsr-3389	211	2	,	,	PUNCT
fsr-3389	211	3	our	our	PRON
fsr-3389	211	4	results	result	NOUN
fsr-3389	211	5	directly	directly	ADV
fsr-3389	211	6	counter	counter	VERB
fsr-3389	211	7	the	the	DET
fsr-3389	211	8	argument	argument	NOUN
fsr-3389	211	9	that	that	SCONJ
fsr-3389	211	10	one	one	PRON
fsr-3389	211	11	should	should	AUX
fsr-3389	211	12	buy	buy	VERB
fsr-3389	211	13	sbp	sbp	NOUN
fsr-3389	211	14	because	because	SCONJ
fsr-3389	211	15	the	the	DET
fsr-3389	211	16	expected	expect	VERB
fsr-3389	211	17	return	return	NOUN
fsr-3389	211	18	to	to	ADP
fsr-3389	211	19	sbp	sbp	PROPN
fsr-3389	211	20	is	be	AUX
fsr-3389	211	21	positive	positive	ADJ
fsr-3389	211	22	.	.	PUNCT
fsr-3389	212	1	note	note	VERB
fsr-3389	212	2	that	that	SCONJ
fsr-3389	212	3	we	we	PRON
fsr-3389	212	4	do	do	AUX
fsr-3389	212	5	not	not	PART
fsr-3389	212	6	contend	contend	VERB
fsr-3389	212	7	pension	pension	NOUN
fsr-3389	212	8	insurance	insurance	NOUN
fsr-3389	212	9	is	be	AUX
fsr-3389	212	10	universally	universally	ADV
fsr-3389	212	11	a	a	DET
fsr-3389	212	12	bad	bad	ADJ
fsr-3389	212	13	idea	idea	NOUN
fsr-3389	212	14	.	.	PUNCT
fsr-3389	213	1	rather	rather	ADV
fsr-3389	213	2	,	,	PUNCT
fsr-3389	213	3	in	in	ADP
fsr-3389	213	4	contrast	contrast	NOUN
fsr-3389	213	5	to	to	ADP
fsr-3389	213	6	prior	prior	ADJ
fsr-3389	213	7	findings	finding	NOUN
fsr-3389	213	8	,	,	PUNCT
fsr-3389	213	9	we	we	PRON
fsr-3389	213	10	argue	argue	VERB
fsr-3389	213	11	that	that	SCONJ
fsr-3389	213	12	the	the	DET
fsr-3389	213	13	default	default	NOUN
fsr-3389	213	14	position	position	NOUN
fsr-3389	213	15	should	should	AUX
fsr-3389	213	16	be	be	AUX
fsr-3389	213	17	against	against	ADP
fsr-3389	213	18	sbp	sbp	NOUN
fsr-3389	213	19	based	base	VERB
fsr-3389	213	20	strictly	strictly	ADV
fsr-3389	213	21	on	on	ADP
fsr-3389	213	22	the	the	DET
fsr-3389	213	23	financial	financial	ADJ
fsr-3389	213	24	calculations	calculation	NOUN
fsr-3389	213	25	so	so	ADV
fsr-3389	213	26	long	long	ADV
fsr-3389	213	27	as	as	SCONJ
fsr-3389	213	28	other	other	ADJ
fsr-3389	213	29	alternatives	alternative	NOUN
fsr-3389	213	30	exist	exist	VERB
fsr-3389	213	31	.	.	PUNCT
fsr-3389	214	1	we	we	PRON
fsr-3389	214	2	detail	detail	VERB
fsr-3389	214	3	some	some	PRON
fsr-3389	214	4	of	of	ADP
fsr-3389	214	5	these	these	DET
fsr-3389	214	6	alternatives	alternative	NOUN
fsr-3389	214	7	next	next	ADV
fsr-3389	214	8	.	.	PUNCT
fsr-3389	215	1	156	156	NUM
fsr-3389	215	2	w.w	w.w	PROPN
fsr-3389	215	3	.	.	PROPN
fsr-3389	215	4	jennings	jennings	PROPN
fsr-3389	215	5	et	et	PROPN
fsr-3389	215	6	al	al	PROPN
fsr-3389	215	7	.	.	PUNCT
fsr-3389	215	8	/	/	SYM
fsr-3389	215	9	financial	financial	ADJ
fsr-3389	215	10	services	service	NOUN
fsr-3389	215	11	review	review	VERB
fsr-3389	215	12	27	27	NUM
fsr-3389	215	13	(	(	PUNCT
fsr-3389	215	14	2018	2018	NUM
fsr-3389	215	15	)	)	PUNCT
fsr-3389	215	16	147	147	NUM
fsr-3389	215	17	-	-	SYM
fsr-3389	215	18	172	172	NUM
fsr-3389	215	19	5	5	NUM
fsr-3389	215	20	.	.	PUNCT
fsr-3389	216	1	alternatives	alternative	NOUN
fsr-3389	216	2	to	to	ADP
fsr-3389	216	3	the	the	DET
fsr-3389	216	4	sbp	sbp	NOUN
fsr-3389	216	5	if	if	SCONJ
fsr-3389	216	6	not	not	PART
fsr-3389	216	7	sbp	sbp	NOUN
fsr-3389	216	8	or	or	CCONJ
fsr-3389	216	9	any	any	DET
fsr-3389	216	10	analogous	analogous	ADJ
fsr-3389	216	11	pension	pension	NOUN
fsr-3389	216	12	insurance	insurance	NOUN
fsr-3389	216	13	,	,	PUNCT
fsr-3389	216	14	then	then	ADV
fsr-3389	216	15	what	what	PRON
fsr-3389	216	16	?	?	PUNCT
fsr-3389	217	1	given	give	VERB
fsr-3389	217	2	the	the	DET
fsr-3389	217	3	statistical	statistical	ADJ
fsr-3389	217	4	unlikelihood	unlikelihood	NOUN
fsr-3389	217	5	of	of	ADP
fsr-3389	217	6	winning	win	VERB
fsr-3389	217	7	the	the	DET
fsr-3389	217	8	sbp	sbp	NOUN
fsr-3389	217	9	or	or	CCONJ
fsr-3389	217	10	even	even	ADV
fsr-3389	217	11	experiencing	experience	VERB
fsr-3389	217	12	the	the	DET
fsr-3389	217	13	previously	previously	ADV
fsr-3389	217	14	-	-	PUNCT
fsr-3389	217	15	advertised	advertise	VERB
fsr-3389	217	16	positive	positive	ADJ
fsr-3389	217	17	expected	expect	VERB
fsr-3389	217	18	return	return	NOUN
fsr-3389	217	19	,	,	PUNCT
fsr-3389	217	20	what	what	PRON
fsr-3389	217	21	is	be	AUX
fsr-3389	217	22	a	a	DET
fsr-3389	217	23	(	(	PUNCT
fsr-3389	217	24	military	military	ADJ
fsr-3389	217	25	)	)	PUNCT
fsr-3389	217	26	retiree	retiree	NOUN
fsr-3389	217	27	to	to	PART
fsr-3389	217	28	do	do	VERB
fsr-3389	217	29	to	to	PART
fsr-3389	217	30	protect	protect	VERB
fsr-3389	217	31	his	his	PRON
fsr-3389	217	32	or	or	CCONJ
fsr-3389	217	33	her	her	PRON
fsr-3389	217	34	family	family	NOUN
fsr-3389	217	35	?	?	PUNCT
fsr-3389	218	1	after	after	ADV
fsr-3389	218	2	all	all	ADV
fsr-3389	218	3	,	,	PUNCT
fsr-3389	218	4	it	it	PRON
fsr-3389	218	5	would	would	AUX
fsr-3389	218	6	be	be	AUX
fsr-3389	218	7	imprudent	imprudent	ADJ
fsr-3389	218	8	to	to	PART
fsr-3389	218	9	forego	forego	VERB
fsr-3389	218	10	pension	pension	NOUN
fsr-3389	218	11	protection	protection	NOUN
fsr-3389	218	12	in	in	ADP
fsr-3389	218	13	the	the	DET
fsr-3389	218	14	early	early	ADJ
fsr-3389	218	15	retirement	retirement	NOUN
fsr-3389	218	16	years	year	NOUN
fsr-3389	218	17	,	,	PUNCT
fsr-3389	218	18	which	which	DET
fsr-3389	218	19	programs	program	NOUN
fsr-3389	218	20	like	like	ADP
fsr-3389	218	21	sbp	sbp	NOUN
fsr-3389	218	22	provide	provide	NOUN
fsr-3389	218	23	.	.	PUNCT
fsr-3389	219	1	and	and	CCONJ
fsr-3389	219	2	the	the	DET
fsr-3389	219	3	typical	typical	ADJ
fsr-3389	219	4	military	military	ADJ
fsr-3389	219	5	member	member	NOUN
fsr-3389	219	6	remains	remain	VERB
fsr-3389	219	7	poised	poise	VERB
fsr-3389	219	8	and	and	CCONJ
fsr-3389	219	9	inevitably	inevitably	ADV
fsr-3389	219	10	wants	want	VERB
fsr-3389	219	11	to	to	PART
fsr-3389	219	12	act	act	VERB
fsr-3389	219	13	on	on	ADP
fsr-3389	219	14	the	the	DET
fsr-3389	219	15	information	information	NOUN
fsr-3389	219	16	provided	provide	VERB
fsr-3389	219	17	here	here	ADV
fsr-3389	219	18	.	.	PUNCT
fsr-3389	220	1	fortunately	fortunately	ADV
fsr-3389	220	2	,	,	PUNCT
fsr-3389	220	3	there	there	PRON
fsr-3389	220	4	are	be	VERB
fsr-3389	220	5	some	some	DET
fsr-3389	220	6	alternatives	alternative	NOUN
fsr-3389	220	7	to	to	PART
fsr-3389	220	8	consider	consider	VERB
fsr-3389	220	9	.	.	PUNCT
fsr-3389	221	1	5.1	5.1	NUM
fsr-3389	221	2	.	.	PUNCT
fsr-3389	221	3	invest	invest	VERB
fsr-3389	221	4	for	for	ADP
fsr-3389	221	5	the	the	DET
fsr-3389	221	6	long	long	ADJ
fsr-3389	221	7	term	term	NOUN
fsr-3389	221	8	the	the	DET
fsr-3389	221	9	first	first	ADJ
fsr-3389	221	10	—	—	PUNCT
fsr-3389	221	11	and	and	CCONJ
fsr-3389	221	12	most	most	ADV
fsr-3389	221	13	basic	basic	ADJ
fsr-3389	221	14	—	—	PUNCT
fsr-3389	221	15	alternative	alternative	NOUN
fsr-3389	221	16	is	be	AUX
fsr-3389	221	17	simply	simply	ADV
fsr-3389	221	18	to	to	PART
fsr-3389	221	19	invest	invest	VERB
fsr-3389	221	20	the	the	DET
fsr-3389	221	21	sbp	sbp	NOUN
fsr-3389	221	22	premiums	premium	NOUN
fsr-3389	221	23	for	for	ADP
fsr-3389	221	24	longterm	longterm	ADJ
fsr-3389	221	25	growth	growth	NOUN
fsr-3389	221	26	rather	rather	ADV
fsr-3389	221	27	than	than	ADP
fsr-3389	221	28	using	use	VERB
fsr-3389	221	29	it	it	PRON
fsr-3389	221	30	for	for	ADP
fsr-3389	221	31	this	this	DET
fsr-3389	221	32	insurance	insurance	NOUN
fsr-3389	221	33	that	that	PRON
fsr-3389	221	34	will	will	AUX
fsr-3389	221	35	most	most	ADV
fsr-3389	221	36	likely	likely	ADV
fsr-3389	221	37	never	never	ADV
fsr-3389	221	38	pay	pay	VERB
fsr-3389	221	39	out	out	ADP
fsr-3389	221	40	.	.	PUNCT
fsr-3389	222	1	according	accord	VERB
fsr-3389	222	2	to	to	ADP
fsr-3389	222	3	davis	davis	PROPN
fsr-3389	222	4	and	and	CCONJ
fsr-3389	222	5	fraser	fraser	PROPN
fsr-3389	222	6	’s	’s	PART
fsr-3389	222	7	(	(	PUNCT
fsr-3389	222	8	2012	2012	NUM
fsr-3389	222	9	)	)	PUNCT
fsr-3389	222	10	analysis	analysis	NOUN
fsr-3389	222	11	,	,	PUNCT
fsr-3389	222	12	if	if	SCONJ
fsr-3389	222	13	a	a	DET
fsr-3389	222	14	retiree	retiree	NOUN
fsr-3389	222	15	were	be	AUX
fsr-3389	222	16	to	to	PART
fsr-3389	222	17	earn	earn	VERB
fsr-3389	222	18	a	a	DET
fsr-3389	222	19	real	real	ADJ
fsr-3389	222	20	investment	investment	NOUN
fsr-3389	222	21	return	return	NOUN
fsr-3389	222	22	of	of	ADP
fsr-3389	222	23	6.8	6.8	NUM
fsr-3389	222	24	%	%	NOUN
fsr-3389	222	25	,	,	PUNCT
fsr-3389	222	26	he	he	PRON
fsr-3389	222	27	or	or	CCONJ
fsr-3389	222	28	she	she	PRON
fsr-3389	222	29	would	would	AUX
fsr-3389	222	30	be	be	AUX
fsr-3389	222	31	equally	equally	ADV
fsr-3389	222	32	well	well	ADV
fsr-3389	222	33	-	-	PUNCT
fsr-3389	222	34	off	off	NOUN
fsr-3389	222	35	relative	relative	ADJ
fsr-3389	222	36	to	to	ADP
fsr-3389	222	37	participating	participate	VERB
fsr-3389	222	38	in	in	ADP
fsr-3389	222	39	sbp	sbp	NOUN
fsr-3389	222	40	.	.	PUNCT
fsr-3389	223	1	however	however	ADV
fsr-3389	223	2	,	,	PUNCT
fsr-3389	223	3	considering	consider	VERB
fsr-3389	223	4	the	the	DET
fsr-3389	223	5	level	level	NOUN
fsr-3389	223	6	of	of	ADP
fsr-3389	223	7	risk	risk	NOUN
fsr-3389	223	8	required	require	VERB
fsr-3389	223	9	to	to	PART
fsr-3389	223	10	earn	earn	VERB
fsr-3389	223	11	6.8	6.8	NUM
fsr-3389	223	12	%	%	NOUN
fsr-3389	223	13	real	real	ADJ
fsr-3389	223	14	returns	return	NOUN
fsr-3389	223	15	on	on	ADP
fsr-3389	223	16	investments	investment	NOUN
fsr-3389	223	17	compared	compare	VERB
fsr-3389	223	18	with	with	ADP
fsr-3389	223	19	earning	earn	VERB
fsr-3389	223	20	these	these	DET
fsr-3389	223	21	returns	return	NOUN
fsr-3389	223	22	in	in	ADP
fsr-3389	223	23	an	an	DET
fsr-3389	223	24	essentially	essentially	ADV
fsr-3389	223	25	riskless	riskless	ADJ
fsr-3389	223	26	government	government	NOUN
fsr-3389	223	27	benefit	benefit	NOUN
fsr-3389	223	28	(	(	PUNCT
fsr-3389	223	29	i.e.	i.e.	X
fsr-3389	223	30	,	,	PUNCT
fsr-3389	223	31	sbp	sbp	PROPN
fsr-3389	223	32	)	)	PUNCT
fsr-3389	223	33	,	,	PUNCT
fsr-3389	223	34	a	a	DET
fsr-3389	223	35	fiduciary	fiduciary	NOUN
fsr-3389	223	36	would	would	AUX
fsr-3389	223	37	be	be	AUX
fsr-3389	223	38	hard	hard	ADV
fsr-3389	223	39	-	-	PUNCT
fsr-3389	223	40	pressed	pressed	ADJ
fsr-3389	223	41	to	to	PART
fsr-3389	223	42	recommend	recommend	VERB
fsr-3389	223	43	a	a	DET
fsr-3389	223	44	pure	pure	ADJ
fsr-3389	223	45	investment	investment	NOUN
fsr-3389	223	46	strategy	strategy	NOUN
fsr-3389	223	47	over	over	ADP
fsr-3389	223	48	a	a	DET
fsr-3389	223	49	virtually	virtually	ADV
fsr-3389	223	50	riskless	riskless	ADJ
fsr-3389	223	51	sbp	sbp	NOUN
fsr-3389	223	52	strategy	strategy	NOUN
fsr-3389	223	53	.	.	PUNCT
fsr-3389	224	1	relying	rely	VERB
fsr-3389	224	2	on	on	ADP
fsr-3389	224	3	uncertain	uncertain	ADJ
fsr-3389	224	4	investment	investment	NOUN
fsr-3389	224	5	returns	return	NOUN
fsr-3389	224	6	to	to	PART
fsr-3389	224	7	pay	pay	VERB
fsr-3389	224	8	off	off	ADP
fsr-3389	224	9	sufficiently	sufficiently	ADV
fsr-3389	224	10	when	when	SCONJ
fsr-3389	224	11	needed	need	VERB
fsr-3389	224	12	presents	present	VERB
fsr-3389	224	13	a	a	DET
fsr-3389	224	14	risky	risky	ADJ
fsr-3389	224	15	strategy	strategy	NOUN
fsr-3389	224	16	.	.	PUNCT
fsr-3389	225	1	additionally	additionally	ADV
fsr-3389	225	2	,	,	PUNCT
fsr-3389	225	3	it	it	PRON
fsr-3389	225	4	simply	simply	ADV
fsr-3389	225	5	ignores	ignore	VERB
fsr-3389	225	6	the	the	DET
fsr-3389	225	7	nonfinancial	nonfinancial	ADJ
fsr-3389	225	8	utility	utility	NOUN
fsr-3389	225	9	enhancement	enhancement	NOUN
fsr-3389	225	10	life	life	NOUN
fsr-3389	225	11	insurance	insurance	NOUN
fsr-3389	225	12	can	can	AUX
fsr-3389	225	13	provide	provide	VERB
fsr-3389	225	14	.	.	PUNCT
fsr-3389	226	1	we	we	PRON
fsr-3389	226	2	do	do	AUX
fsr-3389	226	3	not	not	PART
fsr-3389	226	4	recommend	recommend	VERB
fsr-3389	226	5	this	this	DET
fsr-3389	226	6	approach	approach	NOUN
fsr-3389	226	7	because	because	SCONJ
fsr-3389	226	8	it	it	PRON
fsr-3389	226	9	does	do	AUX
fsr-3389	226	10	not	not	PART
fsr-3389	226	11	protect	protect	VERB
fsr-3389	226	12	the	the	DET
fsr-3389	226	13	surviving	surviving	NOUN
fsr-3389	226	14	spouse	spouse	NOUN
fsr-3389	226	15	in	in	ADP
fsr-3389	226	16	the	the	DET
fsr-3389	226	17	rare	rare	ADJ
fsr-3389	226	18	but	but	CCONJ
fsr-3389	226	19	catastrophic	catastrophic	ADJ
fsr-3389	226	20	situation	situation	NOUN
fsr-3389	226	21	where	where	SCONJ
fsr-3389	226	22	the	the	DET
fsr-3389	226	23	retiree	retiree	NOUN
fsr-3389	226	24	pensioner	pensioner	NOUN
fsr-3389	226	25	dies	die	VERB
fsr-3389	226	26	prematurely	prematurely	ADV
fsr-3389	226	27	.	.	PUNCT
fsr-3389	227	1	even	even	ADV
fsr-3389	227	2	if	if	SCONJ
fsr-3389	227	3	one	one	NUM
fsr-3389	227	4	assumes	assume	VERB
fsr-3389	227	5	investment	investment	NOUN
fsr-3389	227	6	returns	return	NOUN
fsr-3389	227	7	that	that	PRON
fsr-3389	227	8	are	be	AUX
fsr-3389	227	9	exceedingly	exceedingly	ADV
fsr-3389	227	10	high	high	ADJ
fsr-3389	227	11	by	by	ADP
fsr-3389	227	12	historical	historical	ADJ
fsr-3389	227	13	standards	standard	NOUN
fsr-3389	227	14	,	,	PUNCT
fsr-3389	227	15	portfolio	portfolio	NOUN
fsr-3389	227	16	values	value	NOUN
fsr-3389	227	17	would	would	AUX
fsr-3389	227	18	likely	likely	ADV
fsr-3389	227	19	be	be	AUX
fsr-3389	227	20	insufficient	insufficient	ADJ
fsr-3389	227	21	given	give	VERB
fsr-3389	227	22	the	the	DET
fsr-3389	227	23	short	short	ADJ
fsr-3389	227	24	investment	investment	NOUN
fsr-3389	227	25	horizon	horizon	NOUN
fsr-3389	227	26	.	.	PUNCT
fsr-3389	228	1	indeed	indeed	ADV
fsr-3389	228	2	,	,	PUNCT
fsr-3389	228	3	a	a	DET
fsr-3389	228	4	pure	pure	ADJ
fsr-3389	228	5	investment	investment	NOUN
fsr-3389	228	6	strategy	strategy	NOUN
fsr-3389	228	7	would	would	AUX
fsr-3389	228	8	only	only	ADV
fsr-3389	228	9	be	be	AUX
fsr-3389	228	10	able	able	ADJ
fsr-3389	228	11	to	to	PART
fsr-3389	228	12	provide	provide	VERB
fsr-3389	228	13	sbp	sbp	NOUN
fsr-3389	228	14	equivalent	equivalent	ADJ
fsr-3389	228	15	protection	protection	NOUN
fsr-3389	228	16	for	for	ADP
fsr-3389	228	17	a	a	DET
fsr-3389	228	18	retiree	retiree	NOUN
fsr-3389	228	19	who	who	PRON
fsr-3389	228	20	dies	die	VERB
fsr-3389	228	21	much	much	ADV
fsr-3389	228	22	later	later	ADV
fsr-3389	228	23	in	in	ADP
fsr-3389	228	24	life	life	NOUN
fsr-3389	228	25	.	.	PUNCT
fsr-3389	229	1	truthfully	truthfully	ADV
fsr-3389	229	2	,	,	PUNCT
fsr-3389	229	3	this	this	DET
fsr-3389	229	4	option	option	NOUN
fsr-3389	229	5	represents	represent	VERB
fsr-3389	229	6	a	a	DET
fsr-3389	229	7	so	so	ADV
fsr-3389	229	8	-	-	PUNCT
fsr-3389	229	9	called	call	VERB
fsr-3389	229	10	straw	straw	NOUN
fsr-3389	229	11	man	man	NOUN
fsr-3389	229	12	.	.	PUNCT
fsr-3389	230	1	from	from	ADP
fsr-3389	230	2	a	a	DET
fsr-3389	230	3	holistic	holistic	ADJ
fsr-3389	230	4	financial	financial	ADJ
fsr-3389	230	5	planning	planning	NOUN
fsr-3389	230	6	perspective	perspective	NOUN
fsr-3389	230	7	,	,	PUNCT
fsr-3389	230	8	it	it	PRON
fsr-3389	230	9	would	would	AUX
fsr-3389	230	10	be	be	AUX
fsr-3389	230	11	imprudent	imprudent	ADJ
fsr-3389	230	12	to	to	PART
fsr-3389	230	13	not	not	PART
fsr-3389	230	14	protect	protect	VERB
fsr-3389	230	15	one	one	PRON
fsr-3389	230	16	’s	’s	PART
fsr-3389	230	17	db	db	PROPN
fsr-3389	230	18	pension	pension	NOUN
fsr-3389	230	19	in	in	ADP
fsr-3389	230	20	the	the	DET
fsr-3389	230	21	event	event	NOUN
fsr-3389	230	22	of	of	ADP
fsr-3389	230	23	an	an	DET
fsr-3389	230	24	untimely	untimely	ADJ
fsr-3389	230	25	death	death	NOUN
fsr-3389	230	26	,	,	PUNCT
fsr-3389	230	27	especially	especially	ADV
fsr-3389	230	28	if	if	SCONJ
fsr-3389	230	29	one	one	NUM
fsr-3389	230	30	’s	’s	PART
fsr-3389	230	31	dependents	dependent	NOUN
fsr-3389	230	32	rely	rely	VERB
fsr-3389	230	33	on	on	ADP
fsr-3389	230	34	the	the	DET
fsr-3389	230	35	pension	pension	NOUN
fsr-3389	230	36	for	for	ADP
fsr-3389	230	37	nondiscretionary	nondiscretionary	ADJ
fsr-3389	230	38	living	living	NOUN
fsr-3389	230	39	expenses	expense	NOUN
fsr-3389	230	40	.	.	PUNCT
fsr-3389	231	1	a	a	DET
fsr-3389	231	2	risky	risky	ADJ
fsr-3389	231	3	investments	investment	NOUN
fsr-3389	231	4	strategy	strategy	NOUN
fsr-3389	231	5	is	be	AUX
fsr-3389	231	6	exactly	exactly	ADV
fsr-3389	231	7	that	that	ADV
fsr-3389	231	8	—	—	PUNCT
fsr-3389	231	9	risky	risky	ADJ
fsr-3389	231	10	.	.	PUNCT
fsr-3389	232	1	5.2	5.2	NUM
fsr-3389	232	2	.	.	PUNCT
fsr-3389	232	3	buy	buy	VERB
fsr-3389	232	4	term	term	NOUN
fsr-3389	232	5	and	and	CCONJ
fsr-3389	232	6	invest	invest	VERB
fsr-3389	232	7	the	the	DET
fsr-3389	232	8	difference	difference	NOUN
fsr-3389	232	9	the	the	DET
fsr-3389	232	10	more	more	ADV
fsr-3389	232	11	responsible	responsible	ADJ
fsr-3389	232	12	option	option	NOUN
fsr-3389	232	13	,	,	PUNCT
fsr-3389	232	14	therefore	therefore	ADV
fsr-3389	232	15	,	,	PUNCT
fsr-3389	232	16	becomes	become	VERB
fsr-3389	232	17	the	the	DET
fsr-3389	232	18	old	old	ADJ
fsr-3389	232	19	financial	financial	ADJ
fsr-3389	232	20	planning	planning	NOUN
fsr-3389	232	21	adage	adage	NOUN
fsr-3389	232	22	:	:	PUNCT
fsr-3389	232	23	“	"	PUNCT
fsr-3389	232	24	buy	buy	VERB
fsr-3389	232	25	term	term	NOUN
fsr-3389	232	26	and	and	CCONJ
fsr-3389	232	27	invest	invest	VERB
fsr-3389	232	28	the	the	DET
fsr-3389	232	29	difference	difference	NOUN
fsr-3389	232	30	,	,	PUNCT
fsr-3389	232	31	”	"	PUNCT
fsr-3389	232	32	which	which	PRON
fsr-3389	232	33	we	we	PRON
fsr-3389	232	34	call	call	VERB
fsr-3389	232	35	the	the	DET
fsr-3389	232	36	term	term	NOUN
fsr-3389	232	37	-	-	PUNCT
fsr-3389	232	38	and	and	CCONJ
fsr-3389	232	39	-	-	PUNCT
fsr-3389	232	40	invest	invest	VERB
fsr-3389	232	41	strategy	strategy	NOUN
fsr-3389	232	42	.	.	PUNCT
fsr-3389	233	1	one	one	NOUN
fsr-3389	233	2	typically	typically	ADV
fsr-3389	233	3	sees	see	VERB
fsr-3389	233	4	this	this	DET
fsr-3389	233	5	phrase	phrase	NOUN
fsr-3389	233	6	when	when	SCONJ
fsr-3389	233	7	comparing	compare	VERB
fsr-3389	233	8	the	the	DET
fsr-3389	233	9	purchase	purchase	NOUN
fsr-3389	233	10	of	of	ADP
fsr-3389	233	11	whole	whole	ADJ
fsr-3389	233	12	life	life	NOUN
fsr-3389	233	13	,	,	PUNCT
fsr-3389	233	14	or	or	CCONJ
fsr-3389	233	15	cash	cash	NOUN
fsr-3389	233	16	value	value	NOUN
fsr-3389	233	17	,	,	PUNCT
fsr-3389	233	18	insurance	insurance	NOUN
fsr-3389	233	19	to	to	ADP
fsr-3389	233	20	the	the	DET
fsr-3389	233	21	option	option	NOUN
fsr-3389	233	22	of	of	ADP
fsr-3389	233	23	buying	buy	VERB
fsr-3389	233	24	level	level	NOUN
fsr-3389	233	25	-	-	PUNCT
fsr-3389	233	26	term	term	NOUN
fsr-3389	233	27	life	life	NOUN
fsr-3389	233	28	insurance	insurance	NOUN
fsr-3389	233	29	.	.	PUNCT
fsr-3389	234	1	notably	notably	ADV
fsr-3389	234	2	,	,	PUNCT
fsr-3389	234	3	we	we	PRON
fsr-3389	234	4	do	do	AUX
fsr-3389	234	5	not	not	PART
fsr-3389	234	6	model	model	VERB
fsr-3389	234	7	a	a	DET
fsr-3389	234	8	whole	whole	ADJ
fsr-3389	234	9	life	life	NOUN
fsr-3389	234	10	policy	policy	NOUN
fsr-3389	234	11	option	option	NOUN
fsr-3389	234	12	in	in	ADP
fsr-3389	234	13	this	this	DET
fsr-3389	234	14	analysis	analysis	NOUN
fsr-3389	234	15	.	.	PUNCT
fsr-3389	235	1	the	the	DET
fsr-3389	235	2	reasons	reason	NOUN
fsr-3389	235	3	for	for	ADP
fsr-3389	235	4	doing	do	VERB
fsr-3389	235	5	so	so	ADV
fsr-3389	235	6	are	be	AUX
fsr-3389	235	7	two	two	NUM
fsr-3389	235	8	-	-	NUM
fsr-3389	235	9	fold	fold	ADJ
fsr-3389	235	10	.	.	PUNCT
fsr-3389	236	1	first	first	ADV
fsr-3389	236	2	,	,	PUNCT
fsr-3389	236	3	in	in	ADP
fsr-3389	236	4	our	our	PRON
fsr-3389	236	5	military	military	ADJ
fsr-3389	236	6	retiree	retiree	NOUN
fsr-3389	236	7	example	example	NOUN
fsr-3389	236	8	,	,	PUNCT
fsr-3389	236	9	these	these	DET
fsr-3389	236	10	individuals	individual	NOUN
fsr-3389	236	11	are	be	AUX
fsr-3389	236	12	already	already	ADV
fsr-3389	236	13	conditioned	condition	VERB
fsr-3389	236	14	to	to	ADP
fsr-3389	236	15	paying	pay	VERB
fsr-3389	236	16	for	for	ADP
fsr-3389	236	17	a	a	DET
fsr-3389	236	18	term	term	NOUN
fsr-3389	236	19	life	life	NOUN
fsr-3389	236	20	insurance	insurance	NOUN
fsr-3389	236	21	policy	policy	NOUN
fsr-3389	236	22	called	call	VERB
fsr-3389	236	23	servicemembers	servicemember	NOUN
fsr-3389	236	24	’	'	PUNCT
fsr-3389	236	25	group	group	NOUN
fsr-3389	236	26	life	life	NOUN
fsr-3389	236	27	insurance	insurance	NOUN
fsr-3389	236	28	(	(	PUNCT
fsr-3389	236	29	sgli	sgli	NOUN
fsr-3389	236	30	)	)	PUNCT
fsr-3389	236	31	during	during	ADP
fsr-3389	236	32	their	their	PRON
fsr-3389	236	33	time	time	NOUN
fsr-3389	236	34	in	in	ADP
fsr-3389	236	35	service	service	NOUN
fsr-3389	236	36	.	.	PUNCT
fsr-3389	237	1	transitioning	transition	VERB
fsr-3389	237	2	to	to	ADP
fsr-3389	237	3	another	another	DET
fsr-3389	237	4	term	term	NOUN
fsr-3389	237	5	policy	policy	NOUN
fsr-3389	237	6	is	be	AUX
fsr-3389	237	7	a	a	DET
fsr-3389	237	8	familiar	familiar	ADJ
fsr-3389	237	9	construct	construct	NOUN
fsr-3389	237	10	.	.	PUNCT
fsr-3389	238	1	secondly	secondly	ADV
fsr-3389	238	2	,	,	PUNCT
fsr-3389	238	3	and	and	CCONJ
fsr-3389	238	4	more	more	ADV
fsr-3389	238	5	importantly	importantly	ADV
fsr-3389	238	6	,	,	PUNCT
fsr-3389	238	7	we	we	PRON
fsr-3389	238	8	are	be	AUX
fsr-3389	238	9	considering	consider	VERB
fsr-3389	238	10	an	an	DET
fsr-3389	238	11	illustrative	illustrative	ADJ
fsr-3389	238	12	option	option	NOUN
fsr-3389	238	13	that	that	PRON
fsr-3389	238	14	is	be	AUX
fsr-3389	238	15	cost	cost	NOUN
fsr-3389	238	16	-	-	PUNCT
fsr-3389	238	17	neutral	neutral	ADJ
fsr-3389	238	18	for	for	ADP
fsr-3389	238	19	the	the	DET
fsr-3389	238	20	military	military	ADJ
fsr-3389	238	21	retiree	retiree	NOUN
fsr-3389	238	22	couple	couple	NOUN
fsr-3389	238	23	when	when	SCONJ
fsr-3389	238	24	compared	compare	VERB
fsr-3389	238	25	with	with	ADP
fsr-3389	238	26	sbp	sbp	NOUN
fsr-3389	238	27	.	.	PUNCT
fsr-3389	239	1	whereas	whereas	SCONJ
fsr-3389	239	2	cash	cash	NOUN
fsr-3389	239	3	value	value	NOUN
fsr-3389	239	4	insurance	insurance	NOUN
fsr-3389	239	5	guarantees	guarantee	VERB
fsr-3389	239	6	coverage	coverage	NOUN
fsr-3389	239	7	for	for	ADP
fsr-3389	239	8	life	life	NOUN
fsr-3389	239	9	,	,	PUNCT
fsr-3389	239	10	doing	do	VERB
fsr-3389	239	11	so	so	ADV
fsr-3389	239	12	157w.w	157w.w	PROPN
fsr-3389	239	13	.	.	PUNCT
fsr-3389	240	1	jennings	jennings	PROPN
fsr-3389	240	2	et	et	PROPN
fsr-3389	240	3	al	al	PROPN
fsr-3389	240	4	.	.	PUNCT
fsr-3389	240	5	/	/	SYM
fsr-3389	240	6	financial	financial	ADJ
fsr-3389	240	7	services	service	NOUN
fsr-3389	240	8	review	review	VERB
fsr-3389	240	9	27	27	NUM
fsr-3389	240	10	(	(	PUNCT
fsr-3389	240	11	2018	2018	NUM
fsr-3389	240	12	)	)	PUNCT
fsr-3389	240	13	147	147	NUM
fsr-3389	240	14	-	-	SYM
fsr-3389	240	15	172	172	NUM
fsr-3389	240	16	involves	involve	VERB
fsr-3389	240	17	much	much	ADV
fsr-3389	240	18	higher	high	ADJ
fsr-3389	240	19	premiums	premium	NOUN
fsr-3389	240	20	—	—	PUNCT
fsr-3389	240	21	on	on	ADP
fsr-3389	240	22	the	the	DET
fsr-3389	240	23	order	order	NOUN
fsr-3389	240	24	of	of	ADP
fsr-3389	240	25	10	10	NUM
fsr-3389	240	26	times	time	NOUN
fsr-3389	240	27	the	the	DET
fsr-3389	240	28	cost	cost	NOUN
fsr-3389	240	29	of	of	ADP
fsr-3389	240	30	term	term	NOUN
fsr-3389	240	31	life	life	NOUN
fsr-3389	240	32	insurance	insurance	NOUN
fsr-3389	240	33	for	for	ADP
fsr-3389	240	34	the	the	DET
fsr-3389	240	35	same	same	ADJ
fsr-3389	240	36	face	face	NOUN
fsr-3389	240	37	value	value	NOUN
fsr-3389	240	38	(	(	PUNCT
fsr-3389	240	39	we	we	PRON
fsr-3389	240	40	depict	depict	VERB
fsr-3389	240	41	these	these	DET
fsr-3389	240	42	premiums	premium	NOUN
fsr-3389	240	43	in	in	ADP
fsr-3389	240	44	fig	fig	NOUN
fsr-3389	240	45	.	.	PUNCT
fsr-3389	241	1	6	6	NUM
fsr-3389	241	2	)	)	PUNCT
fsr-3389	241	3	.	.	PUNCT
fsr-3389	242	1	the	the	DET
fsr-3389	242	2	typical	typical	ADJ
fsr-3389	242	3	level	level	NOUN
fsr-3389	242	4	-	-	PUNCT
fsr-3389	242	5	term	term	NOUN
fsr-3389	242	6	insurance	insurance	NOUN
fsr-3389	242	7	we	we	PRON
fsr-3389	242	8	model	model	VERB
fsr-3389	242	9	has	have	VERB
fsr-3389	242	10	a	a	DET
fsr-3389	242	11	fixed	fix	VERB
fsr-3389	242	12	premium	premium	NOUN
fsr-3389	242	13	for	for	ADP
fsr-3389	242	14	a	a	DET
fsr-3389	242	15	fixed	fix	VERB
fsr-3389	242	16	amount	amount	NOUN
fsr-3389	242	17	of	of	ADP
fsr-3389	242	18	insurance	insurance	NOUN
fsr-3389	242	19	benefit	benefit	NOUN
fsr-3389	242	20	for	for	ADP
fsr-3389	242	21	a	a	DET
fsr-3389	242	22	finite	finite	ADJ
fsr-3389	242	23	period	period	NOUN
fsr-3389	242	24	of	of	ADP
fsr-3389	242	25	time	time	NOUN
fsr-3389	242	26	.	.	PUNCT
fsr-3389	243	1	term	term	NOUN
fsr-3389	243	2	premiums	premium	NOUN
fsr-3389	243	3	and	and	CCONJ
fsr-3389	243	4	the	the	DET
fsr-3389	243	5	insurance	insurance	NOUN
fsr-3389	243	6	coverage	coverage	NOUN
fsr-3389	243	7	amounts	amount	NOUN
fsr-3389	243	8	are	be	AUX
fsr-3389	243	9	nominally	nominally	ADV
fsr-3389	243	10	fixed	fix	VERB
fsr-3389	243	11	but	but	CCONJ
fsr-3389	243	12	decrease	decrease	NOUN
fsr-3389	243	13	over	over	ADP
fsr-3389	243	14	time	time	NOUN
fsr-3389	243	15	in	in	ADP
fsr-3389	243	16	real	real	ADJ
fsr-3389	243	17	terms	term	NOUN
fsr-3389	243	18	.	.	PUNCT
fsr-3389	244	1	once	once	ADV
fsr-3389	244	2	the	the	DET
fsr-3389	244	3	level	level	ADJ
fsr-3389	244	4	-	-	PUNCT
fsr-3389	244	5	term	term	NOUN
fsr-3389	244	6	contract	contract	NOUN
fsr-3389	244	7	expires	expire	VERB
fsr-3389	244	8	,	,	PUNCT
fsr-3389	244	9	if	if	SCONJ
fsr-3389	244	10	the	the	DET
fsr-3389	244	11	individual	individual	NOUN
fsr-3389	244	12	is	be	AUX
fsr-3389	244	13	insurable	insurable	ADJ
fsr-3389	244	14	,	,	PUNCT
fsr-3389	244	15	the	the	DET
fsr-3389	244	16	insured	insure	VERB
fsr-3389	244	17	can	can	AUX
fsr-3389	244	18	typically	typically	ADV
fsr-3389	244	19	renew	renew	VERB
fsr-3389	244	20	a	a	DET
fsr-3389	244	21	policy	policy	NOUN
fsr-3389	244	22	for	for	ADP
fsr-3389	244	23	higher	high	ADJ
fsr-3389	244	24	premiums	premium	NOUN
fsr-3389	244	25	,	,	PUNCT
fsr-3389	244	26	lower	low	ADJ
fsr-3389	244	27	death	death	NOUN
fsr-3389	244	28	benefit	benefit	NOUN
fsr-3389	244	29	,	,	PUNCT
fsr-3389	244	30	or	or	CCONJ
fsr-3389	244	31	a	a	DET
fsr-3389	244	32	combination	combination	NOUN
fsr-3389	244	33	of	of	ADP
fsr-3389	244	34	the	the	DET
fsr-3389	244	35	two.12	two.12	NOUN
fsr-3389	244	36	because	because	SCONJ
fsr-3389	244	37	both	both	DET
fsr-3389	244	38	sbp	sbp	NOUN
fsr-3389	244	39	and	and	CCONJ
fsr-3389	244	40	a	a	DET
fsr-3389	244	41	term	term	NOUN
fsr-3389	244	42	-	-	PUNCT
fsr-3389	244	43	and	and	CCONJ
fsr-3389	244	44	-	-	PUNCT
fsr-3389	244	45	invest	invest	VERB
fsr-3389	244	46	strategy	strategy	NOUN
fsr-3389	244	47	provide	provide	VERB
fsr-3389	244	48	the	the	DET
fsr-3389	244	49	utility	utility	NOUN
fsr-3389	244	50	of	of	ADP
fsr-3389	244	51	having	have	VERB
fsr-3389	244	52	life	life	NOUN
fsr-3389	244	53	insurance	insurance	NOUN
fsr-3389	244	54	,	,	PUNCT
fsr-3389	244	55	it	it	PRON
fsr-3389	244	56	is	be	AUX
fsr-3389	244	57	not	not	PART
fsr-3389	244	58	necessary	necessary	ADJ
fsr-3389	244	59	to	to	PART
fsr-3389	244	60	quantify	quantify	VERB
fsr-3389	244	61	this	this	DET
fsr-3389	244	62	value	value	NOUN
fsr-3389	244	63	explicitly	explicitly	ADV
fsr-3389	244	64	.	.	PUNCT
fsr-3389	245	1	instead	instead	ADV
fsr-3389	245	2	,	,	PUNCT
fsr-3389	245	3	for	for	ADP
fsr-3389	245	4	this	this	DET
fsr-3389	245	5	analysis	analysis	NOUN
fsr-3389	245	6	,	,	PUNCT
fsr-3389	245	7	the	the	DET
fsr-3389	245	8	relevant	relevant	ADJ
fsr-3389	245	9	considerations	consideration	NOUN
fsr-3389	245	10	are	be	AUX
fsr-3389	245	11	(	(	PUNCT
fsr-3389	245	12	1	1	X
fsr-3389	245	13	)	)	PUNCT
fsr-3389	245	14	the	the	DET
fsr-3389	245	15	cost	cost	NOUN
fsr-3389	245	16	of	of	ADP
fsr-3389	245	17	the	the	DET
fsr-3389	245	18	sbp	sbp	NOUN
fsr-3389	245	19	coverage	coverage	NOUN
fsr-3389	245	20	,	,	PUNCT
fsr-3389	245	21	(	(	PUNCT
fsr-3389	245	22	2	2	X
fsr-3389	245	23	)	)	PUNCT
fsr-3389	245	24	the	the	DET
fsr-3389	245	25	insurance	insurance	NOUN
fsr-3389	245	26	needs	need	NOUN
fsr-3389	245	27	of	of	ADP
fsr-3389	245	28	the	the	DET
fsr-3389	245	29	retiring	retire	VERB
fsr-3389	245	30	military	military	ADJ
fsr-3389	245	31	member	member	NOUN
fsr-3389	245	32	,	,	PUNCT
fsr-3389	245	33	and	and	CCONJ
fsr-3389	245	34	(	(	PUNCT
fsr-3389	245	35	3	3	X
fsr-3389	245	36	)	)	PUNCT
fsr-3389	245	37	the	the	DET
fsr-3389	245	38	cost	cost	NOUN
fsr-3389	245	39	of	of	ADP
fsr-3389	245	40	these	these	DET
fsr-3389	245	41	needs	need	NOUN
fsr-3389	245	42	from	from	ADP
fsr-3389	245	43	a	a	DET
fsr-3389	245	44	private	private	ADJ
fsr-3389	245	45	insurance	insurance	NOUN
fsr-3389	245	46	provider	provider	NOUN
fsr-3389	245	47	.	.	PUNCT
fsr-3389	246	1	we	we	PRON
fsr-3389	246	2	once	once	ADV
fsr-3389	246	3	again	again	ADV
fsr-3389	246	4	consider	consider	VERB
fsr-3389	246	5	the	the	DET
fsr-3389	246	6	case	case	NOUN
fsr-3389	246	7	of	of	ADP
fsr-3389	246	8	our	our	PRON
fsr-3389	246	9	typical	typical	ADJ
fsr-3389	246	10	officer	officer	NOUN
fsr-3389	246	11	,	,	PUNCT
fsr-3389	246	12	a	a	DET
fsr-3389	246	13	lieutenant	lieutenant	NOUN
fsr-3389	246	14	colonel	colonel	NOUN
fsr-3389	246	15	(	(	PUNCT
fsr-3389	246	16	o-5	o-5	NUM
fsr-3389	246	17	)	)	PUNCT
fsr-3389	246	18	retiring	retire	VERB
fsr-3389	246	19	after	after	ADP
fsr-3389	246	20	20	20	NUM
fsr-3389	246	21	years	year	NOUN
fsr-3389	246	22	of	of	ADP
fsr-3389	246	23	service	service	NOUN
fsr-3389	246	24	at	at	ADP
fsr-3389	246	25	age	age	NOUN
fsr-3389	246	26	44	44	NUM
fsr-3389	246	27	,	,	PUNCT
fsr-3389	246	28	who	who	PRON
fsr-3389	246	29	has	have	VERB
fsr-3389	246	30	a	a	DET
fsr-3389	246	31	44	44	NUM
fsr-3389	246	32	-	-	PUNCT
fsr-3389	246	33	year	year	NOUN
fsr-3389	246	34	-	-	PUNCT
fsr-3389	246	35	old	old	ADJ
fsr-3389	246	36	spouse	spouse	NOUN
fsr-3389	246	37	.	.	PUNCT
fsr-3389	247	1	making	make	VERB
fsr-3389	247	2	some	some	DET
fsr-3389	247	3	reasonable	reasonable	ADJ
fsr-3389	247	4	assumptions	assumption	NOUN
fsr-3389	247	5	for	for	ADP
fsr-3389	247	6	these	these	DET
fsr-3389	247	7	considerations	consideration	NOUN
fsr-3389	247	8	allows	allow	VERB
fsr-3389	247	9	us	we	PRON
fsr-3389	247	10	to	to	PART
fsr-3389	247	11	quantify	quantify	VERB
fsr-3389	247	12	this	this	DET
fsr-3389	247	13	termand	termand	NOUN
fsr-3389	247	14	-	-	PUNCT
fsr-3389	247	15	invest	invest	NOUN
fsr-3389	247	16	alternative	alternative	NOUN
fsr-3389	247	17	.	.	PUNCT
fsr-3389	248	1	using	use	VERB
fsr-3389	248	2	an	an	DET
fsr-3389	248	3	income	income	NOUN
fsr-3389	248	4	replacement	replacement	NOUN
fsr-3389	248	5	strategy	strategy	NOUN
fsr-3389	248	6	,	,	PUNCT
fsr-3389	248	7	foregoing	forego	VERB
fsr-3389	248	8	sbp	sbp	NOUN
fsr-3389	248	9	and	and	CCONJ
fsr-3389	248	10	using	use	VERB
fsr-3389	248	11	private	private	ADJ
fsr-3389	248	12	life	life	NOUN
fsr-3389	248	13	insurance	insurance	NOUN
fsr-3389	248	14	means	mean	VERB
fsr-3389	248	15	our	our	PRON
fsr-3389	248	16	male	male	ADJ
fsr-3389	248	17	officer	officer	NOUN
fsr-3389	248	18	retiree	retiree	NOUN
fsr-3389	248	19	would	would	AUX
fsr-3389	248	20	need	need	VERB
fsr-3389	248	21	to	to	PART
fsr-3389	248	22	replace	replace	VERB
fsr-3389	248	23	$	$	SYM
fsr-3389	248	24	30,250	30,250	NUM
fsr-3389	248	25	in	in	ADP
fsr-3389	248	26	annual	annual	ADJ
fsr-3389	248	27	sbp	sbp	NOUN
fsr-3389	248	28	income	income	NOUN
fsr-3389	248	29	for	for	ADP
fsr-3389	248	30	his	his	PRON
fsr-3389	248	31	nonmilitary	nonmilitary	ADJ
fsr-3389	248	32	spouse	spouse	NOUN
fsr-3389	248	33	.	.	PUNCT
fsr-3389	249	1	if	if	SCONJ
fsr-3389	249	2	we	we	PRON
fsr-3389	249	3	use	use	VERB
fsr-3389	249	4	the	the	DET
fsr-3389	249	5	well	well	ADV
fsr-3389	249	6	-	-	PUNCT
fsr-3389	249	7	documented	document	VERB
fsr-3389	249	8	bengen	bengen	NOUN
fsr-3389	249	9	(	(	PUNCT
fsr-3389	249	10	1994	1994	NUM
fsr-3389	249	11	)	)	PUNCT
fsr-3389	249	12	four	four	NUM
fsr-3389	249	13	percent	percent	NOUN
fsr-3389	249	14	payout	payout	NOUN
fsr-3389	249	15	rule	rule	NOUN
fsr-3389	249	16	,	,	PUNCT
fsr-3389	249	17	the	the	DET
fsr-3389	249	18	amount	amount	NOUN
fsr-3389	249	19	of	of	ADP
fsr-3389	249	20	insurance	insurance	NOUN
fsr-3389	249	21	coverage	coverage	NOUN
fsr-3389	249	22	required	require	VERB
fsr-3389	249	23	to	to	PART
fsr-3389	249	24	provide	provide	VERB
fsr-3389	249	25	a	a	DET
fsr-3389	249	26	real	real	ADJ
fsr-3389	249	27	lifetime	lifetime	NOUN
fsr-3389	249	28	annuity	annuity	NOUN
fsr-3389	249	29	of	of	ADP
fsr-3389	249	30	$	$	SYM
fsr-3389	249	31	30,250	30,250	NUM
fsr-3389	249	32	is	be	AUX
fsr-3389	249	33	approximately	approximately	ADV
fsr-3389	249	34	$	$	SYM
fsr-3389	249	35	756,000	756,000	NUM
fsr-3389	249	36	.	.	PUNCT
fsr-3389	250	1	given	give	VERB
fsr-3389	250	2	recent	recent	ADJ
fsr-3389	250	3	skepticism	skepticism	NOUN
fsr-3389	250	4	of	of	ADP
fsr-3389	250	5	the	the	DET
fsr-3389	250	6	four	four	NUM
fsr-3389	250	7	percent	percent	NOUN
fsr-3389	250	8	rule	rule	NOUN
fsr-3389	250	9	as	as	ADP
fsr-3389	250	10	too	too	ADV
fsr-3389	250	11	aggressive	aggressive	ADJ
fsr-3389	250	12	,	,	PUNCT
fsr-3389	250	13	one	one	PRON
fsr-3389	250	14	might	might	AUX
fsr-3389	250	15	plausibly	plausibly	ADV
fsr-3389	250	16	decrease	decrease	VERB
fsr-3389	250	17	it	it	PRON
fsr-3389	250	18	to	to	ADP
fsr-3389	250	19	3.5	3.5	NUM
fsr-3389	250	20	%	%	NOUN
fsr-3389	250	21	or	or	CCONJ
fsr-3389	250	22	lower	low	ADJ
fsr-3389	250	23	.	.	PUNCT
fsr-3389	251	1	if	if	SCONJ
fsr-3389	251	2	we	we	PRON
fsr-3389	251	3	use	use	VERB
fsr-3389	251	4	3.5	3.5	NUM
fsr-3389	251	5	%	%	NOUN
fsr-3389	251	6	,	,	PUNCT
fsr-3389	251	7	the	the	DET
fsr-3389	251	8	insurance	insurance	NOUN
fsr-3389	251	9	value	value	NOUN
fsr-3389	251	10	increases	increase	VERB
fsr-3389	251	11	to	to	ADP
fsr-3389	251	12	$	$	SYM
fsr-3389	251	13	864,000	864,000	NUM
fsr-3389	251	14	.	.	PUNCT
fsr-3389	252	1	for	for	ADP
fsr-3389	252	2	this	this	DET
fsr-3389	252	3	analysis	analysis	NOUN
fsr-3389	252	4	we	we	PRON
fsr-3389	252	5	use	use	VERB
fsr-3389	252	6	$	$	SYM
fsr-3389	252	7	800,000	800,000	NUM
fsr-3389	252	8	in	in	ADP
fsr-3389	252	9	coverage	coverage	NOUN
fsr-3389	252	10	as	as	ADP
fsr-3389	252	11	a	a	DET
fsr-3389	252	12	happy	happy	ADJ
fsr-3389	252	13	medium	medium	NOUN
fsr-3389	252	14	,	,	PUNCT
fsr-3389	252	15	which	which	PRON
fsr-3389	252	16	is	be	AUX
fsr-3389	252	17	conveniently	conveniently	ADV
fsr-3389	252	18	the	the	DET
fsr-3389	252	19	maximum	maximum	ADJ
fsr-3389	252	20	insurance	insurance	NOUN
fsr-3389	252	21	policy	policy	NOUN
fsr-3389	252	22	our	our	PRON
fsr-3389	252	23	insurance	insurance	NOUN
fsr-3389	252	24	quote	quote	INTJ
fsr-3389	252	25	source	source	NOUN
fsr-3389	252	26	will	will	AUX
fsr-3389	252	27	write	write	VERB
fsr-3389	252	28	for	for	ADP
fsr-3389	252	29	many	many	ADJ
fsr-3389	252	30	active	active	ADJ
fsr-3389	252	31	duty	duty	NOUN
fsr-3389	252	32	officers	officer	NOUN
fsr-3389	252	33	.	.	PUNCT
fsr-3389	253	1	we	we	PRON
fsr-3389	253	2	recognize	recognize	VERB
fsr-3389	253	3	this	this	DET
fsr-3389	253	4	payout	payout	ADJ
fsr-3389	253	5	rule	rule	NOUN
fsr-3389	253	6	is	be	AUX
fsr-3389	253	7	a	a	DET
fsr-3389	253	8	hotly	hotly	ADV
fsr-3389	253	9	debated	debate	VERB
fsr-3389	253	10	heuristic	heuristic	NOUN
fsr-3389	253	11	and	and	CCONJ
fsr-3389	253	12	do	do	AUX
fsr-3389	253	13	not	not	PART
fsr-3389	253	14	intend	intend	VERB
fsr-3389	253	15	to	to	PART
fsr-3389	253	16	provide	provide	VERB
fsr-3389	253	17	a	a	DET
fsr-3389	253	18	recommendation	recommendation	NOUN
fsr-3389	253	19	here	here	ADV
fsr-3389	253	20	.	.	PUNCT
fsr-3389	254	1	instead	instead	ADV
fsr-3389	254	2	,	,	PUNCT
fsr-3389	254	3	we	we	PRON
fsr-3389	254	4	leave	leave	VERB
fsr-3389	254	5	it	it	PRON
fsr-3389	254	6	to	to	ADP
fsr-3389	254	7	an	an	DET
fsr-3389	254	8	advisor	advisor	NOUN
fsr-3389	254	9	or	or	CCONJ
fsr-3389	254	10	planner	planner	NOUN
fsr-3389	254	11	to	to	PART
fsr-3389	254	12	conduct	conduct	VERB
fsr-3389	254	13	sensitivity	sensitivity	NOUN
fsr-3389	254	14	analyses	analysis	NOUN
fsr-3389	254	15	based	base	VERB
fsr-3389	254	16	on	on	ADP
fsr-3389	254	17	their	their	PRON
fsr-3389	254	18	own	own	ADJ
fsr-3389	254	19	philosophies	philosophy	NOUN
fsr-3389	254	20	and/or	and/or	CCONJ
fsr-3389	254	21	their	their	PRON
fsr-3389	254	22	clients	client	NOUN
fsr-3389	254	23	’	’	PART
fsr-3389	254	24	situations	situation	NOUN
fsr-3389	254	25	.	.	PUNCT
fsr-3389	255	1	note	note	VERB
fsr-3389	255	2	that	that	SCONJ
fsr-3389	255	3	the	the	DET
fsr-3389	255	4	four	four	NUM
fsr-3389	255	5	percent	percent	NOUN
fsr-3389	255	6	payout	payout	NOUN
fsr-3389	255	7	rule	rule	NOUN
fsr-3389	255	8	and	and	CCONJ
fsr-3389	255	9	its	its	PRON
fsr-3389	255	10	kin	kin	NOUN
fsr-3389	255	11	assume	assume	VERB
fsr-3389	255	12	inflation	inflation	NOUN
fsr-3389	255	13	adjustments	adjustment	NOUN
fsr-3389	255	14	,	,	PUNCT
fsr-3389	255	15	just	just	ADV
fsr-3389	255	16	as	as	SCONJ
fsr-3389	255	17	the	the	DET
fsr-3389	255	18	sbp	sbp	PROPN
fsr-3389	255	19	does.13	does.13	AUX
fsr-3389	255	20	well	well	ADV
fsr-3389	255	21	-	-	PUNCT
fsr-3389	255	22	known	know	VERB
fsr-3389	255	23	private	private	ADJ
fsr-3389	255	24	companies	company	NOUN
fsr-3389	255	25	servicing	service	VERB
fsr-3389	255	26	military	military	ADJ
fsr-3389	255	27	members	member	NOUN
fsr-3389	255	28	provide	provide	VERB
fsr-3389	255	29	level	level	NOUN
fsr-3389	255	30	-	-	PUNCT
fsr-3389	255	31	term	term	NOUN
fsr-3389	255	32	life	life	NOUN
fsr-3389	255	33	insurance	insurance	NOUN
fsr-3389	255	34	quotes	quote	NOUN
fsr-3389	255	35	via	via	ADP
fsr-3389	255	36	their	their	PRON
fsr-3389	255	37	websites.14	websites.14	NOUN
fsr-3389	255	38	a	a	DET
fsr-3389	255	39	44	44	NUM
fsr-3389	255	40	-	-	PUNCT
fsr-3389	255	41	year	year	NOUN
fsr-3389	255	42	-	-	PUNCT
fsr-3389	255	43	old	old	ADJ
fsr-3389	255	44	male	male	ADJ
fsr-3389	255	45	nontobacco	nontobacco	NOUN
fsr-3389	255	46	user	user	NOUN
fsr-3389	255	47	in	in	ADP
fsr-3389	255	48	good	good	ADJ
fsr-3389	255	49	health	health	NOUN
fsr-3389	255	50	can	can	AUX
fsr-3389	255	51	purchase	purchase	VERB
fsr-3389	255	52	an	an	DET
fsr-3389	255	53	$	$	SYM
fsr-3389	255	54	800,000	800,000	NUM
fsr-3389	255	55	,	,	PUNCT
fsr-3389	255	56	30	30	NUM
fsr-3389	255	57	-	-	PUNCT
fsr-3389	255	58	year	year	NOUN
fsr-3389	255	59	level	level	NOUN
fsr-3389	255	60	-	-	PUNCT
fsr-3389	255	61	term	term	NOUN
fsr-3389	255	62	policy	policy	NOUN
fsr-3389	255	63	for	for	ADP
fsr-3389	255	64	approximately	approximately	ADV
fsr-3389	255	65	$	$	SYM
fsr-3389	255	66	125	125	NUM
fsr-3389	255	67	per	per	ADP
fsr-3389	255	68	month	month	NOUN
fsr-3389	255	69	.	.	PUNCT
fsr-3389	256	1	assuming	assume	VERB
fsr-3389	256	2	the	the	DET
fsr-3389	256	3	insurer	insurer	NOUN
fsr-3389	256	4	has	have	VERB
fsr-3389	256	5	sufficient	sufficient	ADJ
fsr-3389	256	6	financial	financial	ADJ
fsr-3389	256	7	strength	strength	NOUN
fsr-3389	256	8	,	,	PUNCT
fsr-3389	256	9	this	this	DET
fsr-3389	256	10	insurance	insurance	NOUN
fsr-3389	256	11	policy	policy	NOUN
fsr-3389	256	12	can	can	AUX
fsr-3389	256	13	serve	serve	VERB
fsr-3389	256	14	the	the	DET
fsr-3389	256	15	same	same	ADJ
fsr-3389	256	16	need	need	NOUN
fsr-3389	256	17	as	as	ADP
fsr-3389	256	18	the	the	DET
fsr-3389	256	19	revenue	revenue	NOUN
fsr-3389	256	20	stream	stream	NOUN
fsr-3389	256	21	provided	provide	VERB
fsr-3389	256	22	by	by	ADP
fsr-3389	256	23	sbp	sbp	NOUN
fsr-3389	256	24	at	at	ADP
fsr-3389	256	25	less	less	ADJ
fsr-3389	256	26	than	than	ADP
fsr-3389	256	27	half	half	DET
fsr-3389	256	28	the	the	DET
fsr-3389	256	29	cost	cost	NOUN
fsr-3389	256	30	of	of	ADP
fsr-3389	256	31	sbp	sbp	NOUN
fsr-3389	256	32	(	(	PUNCT
fsr-3389	256	33	i.e.	i.e.	X
fsr-3389	256	34	,	,	PUNCT
fsr-3389	256	35	$	$	SYM
fsr-3389	256	36	125	125	NUM
fsr-3389	256	37	/	/	SYM
fsr-3389	256	38	month	month	NOUN
fsr-3389	256	39	vs.	vs.	ADP
fsr-3389	256	40	$	$	SYM
fsr-3389	256	41	297	297	NUM
fsr-3389	256	42	/	/	SYM
fsr-3389	256	43	month	month	NOUN
fsr-3389	256	44	)	)	PUNCT
fsr-3389	256	45	.	.	PUNCT
fsr-3389	257	1	it	it	PRON
fsr-3389	257	2	is	be	AUX
fsr-3389	257	3	important	important	ADJ
fsr-3389	257	4	to	to	PART
fsr-3389	257	5	acknowledge	acknowledge	VERB
fsr-3389	257	6	that	that	SCONJ
fsr-3389	257	7	insurance	insurance	NOUN
fsr-3389	257	8	payouts	payout	NOUN
fsr-3389	257	9	are	be	AUX
fsr-3389	257	10	generally	generally	ADV
fsr-3389	257	11	reliable	reliable	ADJ
fsr-3389	257	12	but	but	CCONJ
fsr-3389	257	13	have	have	VERB
fsr-3389	257	14	more	more	ADJ
fsr-3389	257	15	risk	risk	NOUN
fsr-3389	257	16	than	than	ADP
fsr-3389	257	17	sbp	sbp	NOUN
fsr-3389	257	18	payouts	payout	NOUN
fsr-3389	257	19	that	that	SCONJ
fsr-3389	257	20	the	the	DET
fsr-3389	257	21	federal	federal	ADJ
fsr-3389	257	22	government	government	NOUN
fsr-3389	257	23	backs	back	NOUN
fsr-3389	257	24	.	.	PUNCT
fsr-3389	258	1	therefore	therefore	ADV
fsr-3389	258	2	,	,	PUNCT
fsr-3389	258	3	we	we	PRON
fsr-3389	258	4	consider	consider	VERB
fsr-3389	258	5	two	two	NUM
fsr-3389	258	6	companies	company	NOUN
fsr-3389	258	7	’	'	PUNCT
fsr-3389	258	8	products	product	NOUN
fsr-3389	258	9	.	.	PUNCT
fsr-3389	259	1	one	one	NUM
fsr-3389	259	2	company	company	NOUN
fsr-3389	259	3	has	have	VERB
fsr-3389	259	4	either	either	CCONJ
fsr-3389	259	5	the	the	DET
fsr-3389	259	6	highest	high	ADJ
fsr-3389	259	7	or	or	CCONJ
fsr-3389	259	8	second	second	ADV
fsr-3389	259	9	-	-	PUNCT
fsr-3389	259	10	highest	high	ADJ
fsr-3389	259	11	of	of	ADP
fsr-3389	259	12	16	16	NUM
fsr-3389	259	13	or	or	CCONJ
fsr-3389	259	14	21	21	NUM
fsr-3389	259	15	possible	possible	ADJ
fsr-3389	259	16	ratings	rating	NOUN
fsr-3389	259	17	from	from	ADP
fsr-3389	259	18	a.m.	a.m.	PROPN
fsr-3389	259	19	best	well	ADV
fsr-3389	259	20	,	,	PUNCT
fsr-3389	259	21	moody	moody	PROPN
fsr-3389	259	22	’s	’s	PART
fsr-3389	259	23	,	,	PUNCT
fsr-3389	259	24	and	and	CCONJ
fsr-3389	259	25	s&p	s&p	PROPN
fsr-3389	259	26	;	;	PUNCT
fsr-3389	259	27	the	the	DET
fsr-3389	259	28	other	other	ADJ
fsr-3389	259	29	has	have	AUX
fsr-3389	259	30	been	be	AUX
fsr-3389	259	31	in	in	ADP
fsr-3389	259	32	business	business	NOUN
fsr-3389	259	33	for	for	ADP
fsr-3389	259	34	over	over	ADP
fsr-3389	259	35	100	100	NUM
fsr-3389	259	36	years	year	NOUN
fsr-3389	259	37	but	but	CCONJ
fsr-3389	259	38	does	do	AUX
fsr-3389	259	39	not	not	PART
fsr-3389	259	40	purchase	purchase	VERB
fsr-3389	259	41	ratings	rating	NOUN
fsr-3389	259	42	.	.	PUNCT
fsr-3389	260	1	in	in	ADP
fsr-3389	260	2	the	the	DET
fsr-3389	260	3	long	long	ADJ
fsr-3389	260	4	-	-	PUNCT
fsr-3389	260	5	term	term	NOUN
fsr-3389	260	6	,	,	PUNCT
fsr-3389	260	7	a	a	DET
fsr-3389	260	8	key	key	ADJ
fsr-3389	260	9	part	part	NOUN
fsr-3389	260	10	of	of	ADP
fsr-3389	260	11	this	this	DET
fsr-3389	260	12	buy	buy	NOUN
fsr-3389	260	13	term	term	NOUN
fsr-3389	260	14	and	and	CCONJ
fsr-3389	260	15	invest	invest	VERB
fsr-3389	260	16	the	the	DET
fsr-3389	260	17	difference	difference	NOUN
fsr-3389	260	18	option	option	NOUN
fsr-3389	260	19	is	be	AUX
fsr-3389	260	20	to	to	PART
fsr-3389	260	21	invest	invest	VERB
fsr-3389	260	22	the	the	DET
fsr-3389	260	23	savings	saving	NOUN
fsr-3389	260	24	.	.	PUNCT
fsr-3389	261	1	rather	rather	ADV
fsr-3389	261	2	than	than	ADP
fsr-3389	261	3	consuming	consume	VERB
fsr-3389	261	4	the	the	DET
fsr-3389	261	5	$	$	SYM
fsr-3389	261	6	172	172	NUM
fsr-3389	261	7	monthly	monthly	ADJ
fsr-3389	261	8	savings	saving	NOUN
fsr-3389	261	9	if	if	SCONJ
fsr-3389	261	10	purchasing	purchase	VERB
fsr-3389	261	11	life	life	NOUN
fsr-3389	261	12	insurance	insurance	NOUN
fsr-3389	261	13	instead	instead	ADV
fsr-3389	261	14	of	of	ADP
fsr-3389	261	15	sbp	sbp	NOUN
fsr-3389	261	16	,	,	PUNCT
fsr-3389	261	17	one	one	PRON
fsr-3389	261	18	can	can	AUX
fsr-3389	261	19	save	save	VERB
fsr-3389	261	20	and	and	CCONJ
fsr-3389	261	21	invest	invest	VERB
fsr-3389	261	22	these	these	DET
fsr-3389	261	23	funds	fund	NOUN
fsr-3389	261	24	to	to	PART
fsr-3389	261	25	offset	offset	VERB
fsr-3389	261	26	the	the	DET
fsr-3389	261	27	loss	loss	NOUN
fsr-3389	261	28	of	of	ADP
fsr-3389	261	29	insurance	insurance	NOUN
fsr-3389	261	30	in	in	ADP
fsr-3389	261	31	30	30	NUM
fsr-3389	261	32	years	year	NOUN
fsr-3389	261	33	when	when	SCONJ
fsr-3389	261	34	the	the	DET
fsr-3389	261	35	term	term	NOUN
fsr-3389	261	36	life	life	NOUN
fsr-3389	261	37	contract	contract	NOUN
fsr-3389	261	38	expires	expire	VERB
fsr-3389	261	39	.	.	PUNCT
fsr-3389	262	1	we	we	PRON
fsr-3389	262	2	can	can	AUX
fsr-3389	262	3	not	not	PART
fsr-3389	262	4	overemphasize	overemphasize	VERB
fsr-3389	262	5	the	the	DET
fsr-3389	262	6	fact	fact	NOUN
fsr-3389	262	7	that	that	SCONJ
fsr-3389	262	8	maintaining	maintain	VERB
fsr-3389	262	9	budget	budget	NOUN
fsr-3389	262	10	and	and	CCONJ
fsr-3389	262	11	investment	investment	NOUN
fsr-3389	262	12	discipline	discipline	NOUN
fsr-3389	262	13	is	be	AUX
fsr-3389	262	14	required	require	VERB
fsr-3389	262	15	for	for	ADP
fsr-3389	262	16	this	this	DET
fsr-3389	262	17	option	option	NOUN
fsr-3389	262	18	to	to	PART
fsr-3389	262	19	succeed	succeed	VERB
fsr-3389	262	20	.	.	PUNCT
fsr-3389	263	1	while	while	SCONJ
fsr-3389	263	2	it	it	PRON
fsr-3389	263	3	would	would	AUX
fsr-3389	263	4	be	be	AUX
fsr-3389	263	5	appealing	appeal	VERB
fsr-3389	263	6	to	to	PART
fsr-3389	263	7	use	use	VERB
fsr-3389	263	8	an	an	DET
fsr-3389	263	9	expected	expect	VERB
fsr-3389	263	10	market	market	NOUN
fsr-3389	263	11	return	return	NOUN
fsr-3389	263	12	on	on	ADP
fsr-3389	263	13	an	an	DET
fsr-3389	263	14	investment	investment	NOUN
fsr-3389	263	15	portfolio	portfolio	NOUN
fsr-3389	263	16	,	,	PUNCT
fsr-3389	263	17	doing	do	VERB
fsr-3389	263	18	so	so	ADV
fsr-3389	263	19	is	be	AUX
fsr-3389	263	20	not	not	PART
fsr-3389	263	21	158	158	NUM
fsr-3389	263	22	w.w	w.w	NOUN
fsr-3389	263	23	.	.	PROPN
fsr-3389	263	24	jennings	jennings	PROPN
fsr-3389	263	25	et	et	PROPN
fsr-3389	263	26	al	al	PROPN
fsr-3389	263	27	.	.	PUNCT
fsr-3389	263	28	/	/	SYM
fsr-3389	263	29	financial	financial	ADJ
fsr-3389	263	30	services	service	NOUN
fsr-3389	263	31	review	review	VERB
fsr-3389	263	32	27	27	NUM
fsr-3389	263	33	(	(	PUNCT
fsr-3389	263	34	2018	2018	NUM
fsr-3389	263	35	)	)	PUNCT
fsr-3389	263	36	147	147	NUM
fsr-3389	263	37	-	-	SYM
fsr-3389	263	38	172	172	NUM
fsr-3389	263	39	consistent	consistent	ADJ
fsr-3389	263	40	with	with	ADP
fsr-3389	263	41	finance	finance	NOUN
fsr-3389	263	42	theory	theory	NOUN
fsr-3389	263	43	.	.	PUNCT
fsr-3389	264	1	although	although	SCONJ
fsr-3389	264	2	they	they	PRON
fsr-3389	264	3	analyze	analyze	VERB
fsr-3389	264	4	the	the	DET
fsr-3389	264	5	pension	pension	NOUN
fsr-3389	264	6	problem	problem	NOUN
fsr-3389	264	7	from	from	ADP
fsr-3389	264	8	the	the	DET
fsr-3389	264	9	payer	payer	NOUN
fsr-3389	264	10	side	side	NOUN
fsr-3389	264	11	(	(	PUNCT
fsr-3389	264	12	vs.	vs.	X
fsr-3389	264	13	our	our	PRON
fsr-3389	264	14	focus	focus	NOUN
fsr-3389	264	15	on	on	ADP
fsr-3389	264	16	the	the	DET
fsr-3389	264	17	recipient	recipient	NOUN
fsr-3389	264	18	)	)	PUNCT
fsr-3389	264	19	,	,	PUNCT
fsr-3389	264	20	brown	brown	NOUN
fsr-3389	264	21	and	and	CCONJ
fsr-3389	264	22	wilcox	wilcox	PROPN
fsr-3389	264	23	(	(	PUNCT
fsr-3389	264	24	2009	2009	NUM
fsr-3389	264	25	)	)	PUNCT
fsr-3389	264	26	cogently	cogently	ADV
fsr-3389	264	27	argue	argue	VERB
fsr-3389	264	28	for	for	ADP
fsr-3389	264	29	using	use	VERB
fsr-3389	264	30	returns	return	NOUN
fsr-3389	264	31	that	that	PRON
fsr-3389	264	32	are	be	AUX
fsr-3389	264	33	risk	risk	NOUN
fsr-3389	264	34	-	-	PUNCT
fsr-3389	264	35	equivalent	equivalent	ADJ
fsr-3389	264	36	when	when	SCONJ
fsr-3389	264	37	analyzing	analyze	VERB
fsr-3389	264	38	investment	investment	NOUN
fsr-3389	264	39	performance	performance	NOUN
fsr-3389	264	40	.	.	PUNCT
fsr-3389	265	1	to	to	PART
fsr-3389	265	2	ensure	ensure	VERB
fsr-3389	265	3	we	we	PRON
fsr-3389	265	4	are	be	AUX
fsr-3389	265	5	comparing	compare	VERB
fsr-3389	265	6	risk	risk	NOUN
fsr-3389	265	7	-	-	PUNCT
fsr-3389	265	8	equivalent	equivalent	ADJ
fsr-3389	265	9	alternatives	alternative	NOUN
fsr-3389	265	10	,	,	PUNCT
fsr-3389	265	11	we	we	PRON
fsr-3389	265	12	compound	compound	VERB
fsr-3389	265	13	the	the	DET
fsr-3389	265	14	savings	saving	NOUN
fsr-3389	265	15	component	component	NOUN
fsr-3389	265	16	at	at	ADP
fsr-3389	265	17	three	three	NUM
fsr-3389	265	18	percent	percent	NOUN
fsr-3389	265	19	annually	annually	ADV
fsr-3389	265	20	and	and	CCONJ
fsr-3389	265	21	use	use	VERB
fsr-3389	265	22	a	a	DET
fsr-3389	265	23	2.5	2.5	NUM
fsr-3389	265	24	%	%	NOUN
fsr-3389	265	25	inflation	inflation	NOUN
fsr-3389	265	26	rate	rate	NOUN
fsr-3389	265	27	to	to	PART
fsr-3389	265	28	obtain	obtain	VERB
fsr-3389	265	29	real	real	ADJ
fsr-3389	265	30	dollar	dollar	NOUN
fsr-3389	265	31	values	value	NOUN
fsr-3389	265	32	from	from	ADP
fsr-3389	265	33	the	the	DET
fsr-3389	265	34	buy	buy	NOUN
fsr-3389	265	35	-	-	PUNCT
fsr-3389	265	36	term	term	NOUN
fsr-3389	265	37	-	-	PUNCT
fsr-3389	265	38	andinvest	andinv	ADJ
fsr-3389	265	39	strategy.15	strategy.15	NOUN
fsr-3389	265	40	fig	fig	NOUN
fsr-3389	265	41	.	.	PUNCT
fsr-3389	266	1	5	5	NUM
fsr-3389	266	2	,	,	PUNCT
fsr-3389	266	3	panel	panel	NOUN
fsr-3389	266	4	a	a	NOUN
fsr-3389	266	5	,	,	PUNCT
fsr-3389	266	6	shows	show	VERB
fsr-3389	266	7	the	the	DET
fsr-3389	266	8	present	present	ADJ
fsr-3389	266	9	value	value	NOUN
fsr-3389	266	10	to	to	ADP
fsr-3389	266	11	the	the	DET
fsr-3389	266	12	surviving	surviving	NOUN
fsr-3389	266	13	spouse	spouse	NOUN
fsr-3389	266	14	of	of	ADP
fsr-3389	266	15	this	this	DET
fsr-3389	266	16	term	term	NOUN
fsr-3389	266	17	-	-	PUNCT
fsr-3389	266	18	and	and	CCONJ
fsr-3389	266	19	-	-	PUNCT
fsr-3389	266	20	invest	invest	VERB
fsr-3389	266	21	strategy	strategy	NOUN
fsr-3389	266	22	under	under	ADP
fsr-3389	266	23	the	the	DET
fsr-3389	266	24	aforementioned	aforementioned	ADJ
fsr-3389	266	25	assumptions	assumption	NOUN
fsr-3389	266	26	for	for	ADP
fsr-3389	266	27	all	all	DET
fsr-3389	266	28	previously	previously	ADV
fsr-3389	266	29	considered	consider	VERB
fsr-3389	266	30	mortality	mortality	NOUN
fsr-3389	266	31	scenarios	scenario	NOUN
fsr-3389	266	32	.	.	PUNCT
fsr-3389	267	1	in	in	ADP
fsr-3389	267	2	the	the	DET
fsr-3389	267	3	early	early	ADJ
fsr-3389	267	4	years	year	NOUN
fsr-3389	267	5	the	the	DET
fsr-3389	267	6	value	value	NOUN
fsr-3389	267	7	of	of	ADP
fsr-3389	267	8	this	this	DET
fsr-3389	267	9	strategy	strategy	NOUN
fsr-3389	267	10	comes	come	VERB
fsr-3389	267	11	from	from	ADP
fsr-3389	267	12	the	the	DET
fsr-3389	267	13	level	level	ADJ
fsr-3389	267	14	-	-	PUNCT
fsr-3389	267	15	term	term	NOUN
fsr-3389	267	16	policy	policy	NOUN
fsr-3389	267	17	.	.	PUNCT
fsr-3389	268	1	however	however	ADV
fsr-3389	268	2	,	,	PUNCT
fsr-3389	268	3	because	because	SCONJ
fsr-3389	268	4	of	of	ADP
fsr-3389	268	5	its	its	PRON
fsr-3389	268	6	nominal	nominal	ADJ
fsr-3389	268	7	$	$	SYM
fsr-3389	268	8	800,000	800,000	NUM
fsr-3389	268	9	value	value	NOUN
fsr-3389	268	10	,	,	PUNCT
fsr-3389	268	11	it	it	PRON
fsr-3389	268	12	decreases	decrease	VERB
fsr-3389	268	13	in	in	ADP
fsr-3389	268	14	real	real	ADJ
fsr-3389	268	15	terms	term	NOUN
fsr-3389	268	16	until	until	SCONJ
fsr-3389	268	17	it	it	PRON
fsr-3389	268	18	expires	expire	VERB
fsr-3389	268	19	at	at	ADP
fsr-3389	268	20	30	30	NUM
fsr-3389	268	21	years	year	NOUN
fsr-3389	268	22	.	.	PUNCT
fsr-3389	269	1	correspondingly	correspondingly	ADV
fsr-3389	269	2	,	,	PUNCT
fsr-3389	269	3	the	the	DET
fsr-3389	269	4	nominal	nominal	ADJ
fsr-3389	269	5	premium	premium	NOUN
fsr-3389	269	6	also	also	ADV
fsr-3389	269	7	decreases	decrease	VERB
fsr-3389	269	8	in	in	ADP
fsr-3389	269	9	real	real	ADJ
fsr-3389	269	10	terms	term	NOUN
fsr-3389	269	11	over	over	ADP
fsr-3389	269	12	time	time	NOUN
fsr-3389	269	13	.	.	PUNCT
fsr-3389	270	1	the	the	DET
fsr-3389	270	2	sharp	sharp	ADJ
fsr-3389	270	3	drop	drop	NOUN
fsr-3389	270	4	off	off	ADP
fsr-3389	270	5	in	in	ADP
fsr-3389	270	6	benefits	benefit	NOUN
fsr-3389	270	7	occurs	occur	VERB
fsr-3389	270	8	at	at	ADP
fsr-3389	270	9	the	the	DET
fsr-3389	270	10	30	30	NUM
fsr-3389	270	11	-	-	PUNCT
fsr-3389	270	12	year	year	NOUN
fsr-3389	270	13	point	point	NOUN
fsr-3389	270	14	when	when	SCONJ
fsr-3389	270	15	the	the	DET
fsr-3389	270	16	policy	policy	NOUN
fsr-3389	270	17	expires	expire	VERB
fsr-3389	270	18	.	.	PUNCT
fsr-3389	271	1	at	at	ADP
fsr-3389	271	2	this	this	DET
fsr-3389	271	3	point	point	NOUN
fsr-3389	271	4	we	we	PRON
fsr-3389	271	5	see	see	VERB
fsr-3389	271	6	the	the	DET
fsr-3389	271	7	value	value	NOUN
fsr-3389	271	8	of	of	ADP
fsr-3389	271	9	the	the	DET
fsr-3389	271	10	investments	investment	NOUN
fsr-3389	271	11	increasing	increase	VERB
fsr-3389	271	12	in	in	ADP
fsr-3389	271	13	an	an	DET
fsr-3389	271	14	exponential	exponential	ADJ
fsr-3389	271	15	manner	manner	NOUN
fsr-3389	271	16	.	.	PUNCT
fsr-3389	272	1	to	to	PART
fsr-3389	272	2	be	be	AUX
fsr-3389	272	3	clear	clear	ADJ
fsr-3389	272	4	,	,	PUNCT
fsr-3389	272	5	we	we	PRON
fsr-3389	272	6	assume	assume	VERB
fsr-3389	272	7	all	all	DET
fsr-3389	272	8	investment	investment	NOUN
fsr-3389	272	9	contributions	contribution	NOUN
fsr-3389	272	10	cease	cease	VERB
fsr-3389	272	11	upon	upon	SCONJ
fsr-3389	272	12	the	the	DET
fsr-3389	272	13	retiree	retiree	NOUN
fsr-3389	272	14	’s	’s	PART
fsr-3389	272	15	death	death	NOUN
fsr-3389	272	16	.	.	PUNCT
fsr-3389	273	1	however	however	ADV
fsr-3389	273	2	,	,	PUNCT
fsr-3389	273	3	in	in	ADP
fsr-3389	273	4	the	the	DET
fsr-3389	273	5	case	case	NOUN
fsr-3389	273	6	of	of	ADP
fsr-3389	273	7	a	a	DET
fsr-3389	273	8	spouse	spouse	NOUN
fsr-3389	273	9	’s	’s	PART
fsr-3389	273	10	death	death	NOUN
fsr-3389	273	11	we	we	PRON
fsr-3389	273	12	assume	assume	VERB
fsr-3389	273	13	the	the	DET
fsr-3389	273	14	retiree	retiree	NOUN
fsr-3389	273	15	continues	continue	VERB
fsr-3389	273	16	saving	save	VERB
fsr-3389	273	17	and	and	CCONJ
fsr-3389	273	18	paying	pay	VERB
fsr-3389	273	19	the	the	DET
fsr-3389	273	20	life	life	NOUN
fsr-3389	273	21	insurance	insurance	NOUN
fsr-3389	273	22	premium	premium	NOUN
fsr-3389	273	23	since	since	SCONJ
fsr-3389	273	24	he	he	PRON
fsr-3389	273	25	still	still	ADV
fsr-3389	273	26	receives	receive	VERB
fsr-3389	273	27	a	a	DET
fsr-3389	273	28	pension	pension	NOUN
fsr-3389	273	29	and	and	CCONJ
fsr-3389	273	30	might	might	AUX
fsr-3389	273	31	have	have	VERB
fsr-3389	273	32	other	other	ADJ
fsr-3389	273	33	desired	desire	VERB
fsr-3389	273	34	beneficiaries	beneficiary	NOUN
fsr-3389	273	35	,	,	PUNCT
fsr-3389	273	36	such	such	ADJ
fsr-3389	273	37	as	as	ADP
fsr-3389	273	38	children	child	NOUN
fsr-3389	273	39	or	or	CCONJ
fsr-3389	273	40	charities	charity	NOUN
fsr-3389	273	41	.	.	PUNCT
fsr-3389	274	1	also	also	ADV
fsr-3389	274	2	,	,	PUNCT
fsr-3389	274	3	we	we	PRON
fsr-3389	274	4	see	see	VERB
fsr-3389	274	5	no	no	DET
fsr-3389	274	6	difference	difference	NOUN
fsr-3389	274	7	between	between	ADP
fsr-3389	274	8	the	the	DET
fsr-3389	274	9	winner	winner	NOUN
fsr-3389	274	10	scenario	scenario	NOUN
fsr-3389	274	11	(	(	PUNCT
fsr-3389	274	12	i.e.	i.e.	X
fsr-3389	274	13	,	,	PUNCT
fsr-3389	274	14	retiree	retiree	NOUN
fsr-3389	274	15	dies	die	VERB
fsr-3389	274	16	young	young	ADJ
fsr-3389	274	17	;	;	PUNCT
fsr-3389	274	18	spouse	spouse	NOUN
fsr-3389	274	19	lives	live	VERB
fsr-3389	274	20	for	for	ADP
fsr-3389	274	21	decades	decade	NOUN
fsr-3389	274	22	)	)	PUNCT
fsr-3389	274	23	and	and	CCONJ
fsr-3389	274	24	the	the	DET
fsr-3389	274	25	scenario	scenario	NOUN
fsr-3389	274	26	where	where	SCONJ
fsr-3389	274	27	both	both	DET
fsr-3389	274	28	partners	partner	NOUN
fsr-3389	274	29	die	die	VERB
fsr-3389	274	30	young	young	ADJ
fsr-3389	274	31	.	.	PUNCT
fsr-3389	275	1	this	this	DET
fsr-3389	275	2	present	present	ADJ
fsr-3389	275	3	value	value	NOUN
fsr-3389	275	4	equivalent	equivalent	ADJ
fsr-3389	275	5	payout	payout	NOUN
fsr-3389	275	6	is	be	AUX
fsr-3389	275	7	independent	independent	ADJ
fsr-3389	275	8	of	of	ADP
fsr-3389	275	9	the	the	DET
fsr-3389	275	10	surviving	surviving	NOUN
fsr-3389	275	11	spouse	spouse	NOUN
fsr-3389	275	12	’s	’s	PART
fsr-3389	275	13	life	life	NOUN
fsr-3389	275	14	span	span	NOUN
fsr-3389	275	15	;	;	PUNCT
fsr-3389	275	16	it	it	PRON
fsr-3389	275	17	hinges	hinge	VERB
fsr-3389	275	18	only	only	ADV
fsr-3389	275	19	on	on	ADP
fsr-3389	275	20	when	when	SCONJ
fsr-3389	275	21	the	the	DET
fsr-3389	275	22	retiree	retiree	NOUN
fsr-3389	275	23	dies	die	VERB
fsr-3389	275	24	.	.	PUNCT
fsr-3389	276	1	as	as	SCONJ
fsr-3389	276	2	we	we	PRON
fsr-3389	276	3	see	see	VERB
fsr-3389	276	4	,	,	PUNCT
fsr-3389	276	5	dying	die	VERB
fsr-3389	276	6	immediately	immediately	ADV
fsr-3389	276	7	after	after	SCONJ
fsr-3389	276	8	the	the	DET
fsr-3389	276	9	term	term	NOUN
fsr-3389	276	10	policy	policy	NOUN
fsr-3389	276	11	expires	expire	VERB
fsr-3389	276	12	(	(	PUNCT
fsr-3389	276	13	age	age	NOUN
fsr-3389	276	14	74	74	NUM
fsr-3389	276	15	�	�	PROPN
fsr-3389	276	16	)	)	PUNCT
fsr-3389	276	17	presents	present	VERB
fsr-3389	276	18	the	the	DET
fsr-3389	276	19	worst	bad	ADJ
fsr-3389	276	20	situation	situation	NOUN
fsr-3389	276	21	.	.	PUNCT
fsr-3389	277	1	at	at	ADP
fsr-3389	277	2	this	this	DET
fsr-3389	277	3	point	point	NOUN
fsr-3389	277	4	the	the	DET
fsr-3389	277	5	investment	investment	NOUN
fsr-3389	277	6	amount	amount	NOUN
fsr-3389	277	7	is	be	AUX
fsr-3389	277	8	modest	modest	ADJ
fsr-3389	277	9	,	,	PUNCT
fsr-3389	277	10	and	and	CCONJ
fsr-3389	277	11	the	the	DET
fsr-3389	277	12	level	level	ADJ
fsr-3389	277	13	-	-	PUNCT
fsr-3389	277	14	term	term	NOUN
fsr-3389	277	15	coverage	coverage	NOUN
fsr-3389	277	16	is	be	AUX
fsr-3389	277	17	gone	go	VERB
fsr-3389	277	18	.	.	PUNCT
fsr-3389	278	1	to	to	ADP
fsr-3389	278	2	the	the	DET
fsr-3389	278	3	extent	extent	NOUN
fsr-3389	278	4	one	one	PRON
fsr-3389	278	5	can	can	AUX
fsr-3389	278	6	extend	extend	VERB
fsr-3389	278	7	the	the	DET
fsr-3389	278	8	level	level	ADJ
fsr-3389	278	9	-	-	PUNCT
fsr-3389	278	10	term	term	NOUN
fsr-3389	278	11	policy	policy	NOUN
fsr-3389	278	12	at	at	ADP
fsr-3389	278	13	a	a	DET
fsr-3389	278	14	reasonable	reasonable	ADJ
fsr-3389	278	15	rate	rate	NOUN
fsr-3389	278	16	or	or	CCONJ
fsr-3389	278	17	buy	buy	VERB
fsr-3389	278	18	a	a	DET
fsr-3389	278	19	level	level	ADJ
fsr-3389	278	20	-	-	PUNCT
fsr-3389	278	21	term	term	NOUN
fsr-3389	278	22	policy	policy	NOUN
fsr-3389	278	23	that	that	PRON
fsr-3389	278	24	extends	extend	VERB
fsr-3389	278	25	beyond	beyond	ADP
fsr-3389	278	26	30	30	NUM
fsr-3389	278	27	years	year	NOUN
fsr-3389	278	28	,	,	PUNCT
fsr-3389	278	29	these	these	PRON
fsr-3389	278	30	might	might	AUX
fsr-3389	278	31	represent	represent	VERB
fsr-3389	278	32	even	even	ADV
fsr-3389	278	33	more	more	ADV
fsr-3389	278	34	appealing	appealing	ADJ
fsr-3389	278	35	options	option	NOUN
fsr-3389	278	36	.	.	PUNCT
fsr-3389	279	1	the	the	DET
fsr-3389	279	2	overall	overall	ADJ
fsr-3389	279	3	expected	expected	ADJ
fsr-3389	279	4	net	net	ADJ
fsr-3389	279	5	payoff	payoff	NOUN
fsr-3389	279	6	for	for	ADP
fsr-3389	279	7	the	the	DET
fsr-3389	279	8	term	term	NOUN
fsr-3389	279	9	-	-	PUNCT
fsr-3389	279	10	and	and	CCONJ
fsr-3389	279	11	-	-	PUNCT
fsr-3389	279	12	invest	invest	NOUN
fsr-3389	279	13	strategy	strategy	NOUN
fsr-3389	279	14	is	be	AUX
fsr-3389	279	15	$	$	SYM
fsr-3389	279	16	162,214	162,214	NUM
fsr-3389	279	17	in	in	ADP
fsr-3389	279	18	our	our	PRON
fsr-3389	279	19	baseline	baseline	NOUN
fsr-3389	279	20	scenario	scenario	NOUN
fsr-3389	279	21	,	,	PUNCT
fsr-3389	279	22	$	$	SYM
fsr-3389	279	23	100,946	100,946	NUM
fsr-3389	279	24	greater	great	ADJ
fsr-3389	279	25	than	than	ADP
fsr-3389	279	26	the	the	DET
fsr-3389	279	27	expected	expect	VERB
fsr-3389	279	28	net	net	ADJ
fsr-3389	279	29	payoff	payoff	NOUN
fsr-3389	279	30	(	(	PUNCT
fsr-3389	279	31	$	$	SYM
fsr-3389	279	32	61,268	61,268	NUM
fsr-3389	279	33	)	)	PUNCT
fsr-3389	279	34	of	of	ADP
fsr-3389	279	35	the	the	DET
fsr-3389	279	36	sbp	sbp	NOUN
fsr-3389	279	37	option	option	NOUN
fsr-3389	279	38	.	.	PUNCT
fsr-3389	280	1	a	a	DET
fsr-3389	280	2	subsequent	subsequent	ADJ
fsr-3389	280	3	figure	figure	NOUN
fsr-3389	280	4	summarizes	summarize	NOUN
fsr-3389	280	5	these	these	PRON
fsr-3389	280	6	expected	expect	VERB
fsr-3389	280	7	net	net	ADJ
fsr-3389	280	8	payoffs	payoff	NOUN
fsr-3389	280	9	for	for	ADP
fsr-3389	280	10	many	many	ADJ
fsr-3389	280	11	retiree	retiree	NOUN
fsr-3389	280	12	-	-	PUNCT
fsr-3389	280	13	spouse	spouse	NOUN
fsr-3389	280	14	age	age	NOUN
fsr-3389	280	15	combinations	combination	NOUN
fsr-3389	280	16	.	.	PUNCT
fsr-3389	281	1	the	the	DET
fsr-3389	281	2	next	next	ADJ
fsr-3389	281	3	figure	figure	NOUN
fsr-3389	281	4	depicts	depict	VERB
fsr-3389	281	5	the	the	DET
fsr-3389	281	6	horse	horse	NOUN
fsr-3389	281	7	race	race	NOUN
fsr-3389	281	8	,	,	PUNCT
fsr-3389	281	9	directly	directly	ADV
fsr-3389	281	10	comparing	compare	VERB
fsr-3389	281	11	payouts	payout	NOUN
fsr-3389	281	12	to	to	ADP
fsr-3389	281	13	the	the	DET
fsr-3389	281	14	sbp	sbp	NOUN
fsr-3389	281	15	and	and	CCONJ
fsr-3389	281	16	the	the	DET
fsr-3389	281	17	term	term	NOUN
fsr-3389	281	18	-	-	PUNCT
fsr-3389	281	19	and	and	CCONJ
fsr-3389	281	20	-	-	PUNCT
fsr-3389	281	21	invest	invest	VERB
fsr-3389	281	22	strategy	strategy	NOUN
fsr-3389	281	23	.	.	PUNCT
fsr-3389	282	1	fig	fig	NOUN
fsr-3389	282	2	.	.	PUNCT
fsr-3389	283	1	5	5	NUM
fsr-3389	283	2	,	,	PUNCT
fsr-3389	283	3	panel	panel	NOUN
fsr-3389	283	4	b	b	NOUN
fsr-3389	283	5	,	,	PUNCT
fsr-3389	283	6	expands	expand	VERB
fsr-3389	283	7	the	the	DET
fsr-3389	283	8	earlier	early	ADJ
fsr-3389	283	9	figures	figure	NOUN
fsr-3389	283	10	by	by	ADP
fsr-3389	283	11	differencing	difference	VERB
fsr-3389	283	12	fig	fig	NOUN
fsr-3389	283	13	.	.	PUNCT
fsr-3389	284	1	5	5	NUM
fsr-3389	284	2	,	,	PUNCT
fsr-3389	284	3	panel	panel	NOUN
fsr-3389	284	4	a	a	NOUN
fsr-3389	284	5	,	,	PUNCT
fsr-3389	284	6	and	and	CCONJ
fsr-3389	284	7	fig	fig	NOUN
fsr-3389	284	8	.	.	PUNCT
fsr-3389	285	1	3	3	X
fsr-3389	285	2	.	.	X
fsr-3389	285	3	that	that	PRON
fsr-3389	285	4	is	is	ADV
fsr-3389	285	5	,	,	PUNCT
fsr-3389	285	6	it	it	PRON
fsr-3389	285	7	shows	show	VERB
fsr-3389	285	8	the	the	DET
fsr-3389	285	9	net	net	ADJ
fsr-3389	285	10	payout	payout	NOUN
fsr-3389	285	11	of	of	ADP
fsr-3389	285	12	term	term	NOUN
fsr-3389	285	13	-	-	PUNCT
fsr-3389	285	14	and	and	CCONJ
fsr-3389	285	15	-	-	PUNCT
fsr-3389	285	16	invest	invest	VERB
fsr-3389	285	17	minus	minus	CCONJ
fsr-3389	285	18	sbp	sbp	NOUN
fsr-3389	285	19	for	for	ADP
fsr-3389	285	20	various	various	ADJ
fsr-3389	285	21	mortality	mortality	NOUN
fsr-3389	285	22	combinations	combination	NOUN
fsr-3389	285	23	.	.	PUNCT
fsr-3389	286	1	anywhere	anywhere	ADV
fsr-3389	286	2	the	the	DET
fsr-3389	286	3	plot	plot	NOUN
fsr-3389	286	4	is	be	AUX
fsr-3389	286	5	positive	positive	ADJ
fsr-3389	286	6	,	,	PUNCT
fsr-3389	286	7	the	the	DET
fsr-3389	286	8	term	term	NOUN
fsr-3389	286	9	-	-	PUNCT
fsr-3389	286	10	and	and	CCONJ
fsr-3389	286	11	-	-	PUNCT
fsr-3389	286	12	invest	invest	VERB
fsr-3389	286	13	strategy	strategy	NOUN
fsr-3389	286	14	bests	best	VERB
fsr-3389	286	15	the	the	DET
fsr-3389	286	16	sbp	sbp	NOUN
fsr-3389	286	17	strategy	strategy	NOUN
fsr-3389	286	18	,	,	PUNCT
fsr-3389	286	19	and	and	CCONJ
fsr-3389	286	20	vice	vice	ADV
fsr-3389	286	21	versa	versa	ADV
fsr-3389	286	22	.	.	PUNCT
fsr-3389	287	1	fig	fig	NOUN
fsr-3389	287	2	.	.	PUNCT
fsr-3389	288	1	5	5	NUM
fsr-3389	288	2	,	,	PUNCT
fsr-3389	288	3	panel	panel	NOUN
fsr-3389	288	4	c	c	PROPN
fsr-3389	288	5	shows	show	VERB
fsr-3389	288	6	the	the	DET
fsr-3389	288	7	mortality	mortality	NOUN
fsr-3389	288	8	probability	probability	NOUN
fsr-3389	288	9	weighted	weight	VERB
fsr-3389	288	10	version	version	NOUN
fsr-3389	288	11	of	of	ADP
fsr-3389	288	12	the	the	DET
fsr-3389	288	13	panel	panel	NOUN
fsr-3389	288	14	b.	b.	VERB
fsr-3389	289	1	some	some	DET
fsr-3389	289	2	valuable	valuable	ADJ
fsr-3389	289	3	observations	observation	NOUN
fsr-3389	289	4	emerge	emerge	VERB
fsr-3389	289	5	from	from	ADP
fsr-3389	289	6	these	these	DET
fsr-3389	289	7	figures	figure	NOUN
fsr-3389	289	8	.	.	PUNCT
fsr-3389	290	1	first	first	ADV
fsr-3389	290	2	,	,	PUNCT
fsr-3389	290	3	when	when	SCONJ
fsr-3389	290	4	sbp	sbp	NOUN
fsr-3389	290	5	really	really	ADV
fsr-3389	290	6	matters	matter	VERB
fsr-3389	290	7	—	—	PUNCT
fsr-3389	290	8	that	that	ADV
fsr-3389	290	9	is	is	ADV
fsr-3389	290	10	,	,	PUNCT
fsr-3389	290	11	if	if	SCONJ
fsr-3389	290	12	a	a	DET
fsr-3389	290	13	retiree	retiree	NOUN
fsr-3389	290	14	dies	die	VERB
fsr-3389	290	15	early	early	ADV
fsr-3389	290	16	and	and	CCONJ
fsr-3389	290	17	the	the	DET
fsr-3389	290	18	beneficiaries	beneficiary	NOUN
fsr-3389	290	19	need	need	VERB
fsr-3389	290	20	immediate	immediate	ADJ
fsr-3389	290	21	funds	fund	NOUN
fsr-3389	290	22	to	to	PART
fsr-3389	290	23	pay	pay	VERB
fsr-3389	290	24	off	off	ADP
fsr-3389	290	25	a	a	DET
fsr-3389	290	26	mortgage	mortgage	NOUN
fsr-3389	290	27	,	,	PUNCT
fsr-3389	290	28	and	and	CCONJ
fsr-3389	290	29	so	so	ADV
fsr-3389	290	30	forth	forth	ADV
fsr-3389	290	31	,	,	PUNCT
fsr-3389	290	32	then	then	ADV
fsr-3389	290	33	the	the	DET
fsr-3389	290	34	term	term	NOUN
fsr-3389	290	35	-	-	PUNCT
fsr-3389	290	36	and	and	CCONJ
fsr-3389	290	37	-	-	PUNCT
fsr-3389	290	38	invest	invest	NOUN
fsr-3389	290	39	option	option	NOUN
fsr-3389	290	40	has	have	VERB
fsr-3389	290	41	a	a	DET
fsr-3389	290	42	higher	high	ADJ
fsr-3389	290	43	present	present	ADJ
fsr-3389	290	44	value	value	NOUN
fsr-3389	290	45	than	than	ADP
fsr-3389	290	46	sbp	sbp	NOUN
fsr-3389	290	47	(	(	PUNCT
fsr-3389	290	48	see	see	VERB
fsr-3389	290	49	circle	circle	NOUN
fsr-3389	290	50	in	in	ADP
fsr-3389	290	51	panel	panel	NOUN
fsr-3389	290	52	b	b	PROPN
fsr-3389	290	53	)	)	PUNCT
fsr-3389	290	54	.	.	PUNCT
fsr-3389	291	1	second	second	ADJ
fsr-3389	291	2	,	,	PUNCT
fsr-3389	291	3	there	there	PRON
fsr-3389	291	4	is	be	VERB
fsr-3389	291	5	once	once	ADV
fsr-3389	291	6	again	again	ADV
fsr-3389	291	7	a	a	DET
fsr-3389	291	8	large	large	ADJ
fsr-3389	291	9	payout	payout	NOUN
fsr-3389	291	10	reduction	reduction	NOUN
fsr-3389	291	11	in	in	ADP
fsr-3389	291	12	the	the	DET
fsr-3389	291	13	term	term	NOUN
fsr-3389	291	14	-	-	PUNCT
fsr-3389	291	15	and	and	CCONJ
fsr-3389	291	16	-	-	PUNCT
fsr-3389	291	17	invest	invest	NOUN
fsr-3389	291	18	option	option	NOUN
fsr-3389	291	19	when	when	SCONJ
fsr-3389	291	20	the	the	DET
fsr-3389	291	21	level	level	ADJ
fsr-3389	291	22	-	-	PUNCT
fsr-3389	291	23	term	term	NOUN
fsr-3389	291	24	policy	policy	NOUN
fsr-3389	291	25	expires	expire	VERB
fsr-3389	291	26	.	.	PUNCT
fsr-3389	292	1	this	this	DET
fsr-3389	292	2	result	result	NOUN
fsr-3389	292	3	induces	induce	VERB
fsr-3389	292	4	us	we	PRON
fsr-3389	292	5	to	to	PART
fsr-3389	292	6	recommend	recommend	VERB
fsr-3389	292	7	that	that	SCONJ
fsr-3389	292	8	a	a	DET
fsr-3389	292	9	prospective	prospective	ADJ
fsr-3389	292	10	retiree	retiree	NOUN
fsr-3389	292	11	consider	consider	VERB
fsr-3389	292	12	stretching	stretch	VERB
fsr-3389	292	13	the	the	DET
fsr-3389	292	14	term	term	NOUN
fsr-3389	292	15	policy	policy	NOUN
fsr-3389	292	16	as	as	ADV
fsr-3389	292	17	far	far	ADV
fsr-3389	292	18	as	as	ADP
fsr-3389	292	19	possible	possible	ADJ
fsr-3389	292	20	within	within	ADP
fsr-3389	292	21	reason	reason	NOUN
fsr-3389	292	22	.	.	PUNCT
fsr-3389	293	1	next	next	ADV
fsr-3389	293	2	,	,	PUNCT
fsr-3389	293	3	there	there	PRON
fsr-3389	293	4	clearly	clearly	ADV
fsr-3389	293	5	remain	remain	VERB
fsr-3389	293	6	mortality	mortality	NOUN
fsr-3389	293	7	combinations	combination	NOUN
fsr-3389	293	8	where	where	SCONJ
fsr-3389	293	9	the	the	DET
fsr-3389	293	10	individual	individual	NOUN
fsr-3389	293	11	is	be	AUX
fsr-3389	293	12	“	"	PUNCT
fsr-3389	293	13	lesscovered	lesscovere	VERB
fsr-3389	293	14	”	"	PUNCT
fsr-3389	293	15	by	by	ADP
fsr-3389	293	16	insurance	insurance	NOUN
fsr-3389	293	17	than	than	ADP
fsr-3389	293	18	by	by	ADP
fsr-3389	293	19	sbp	sbp	NOUN
fsr-3389	293	20	,	,	PUNCT
fsr-3389	293	21	shown	show	VERB
fsr-3389	293	22	in	in	ADP
fsr-3389	293	23	panel	panel	NOUN
fsr-3389	293	24	c	c	NOUN
fsr-3389	293	25	by	by	ADP
fsr-3389	293	26	the	the	DET
fsr-3389	293	27	negative	negative	ADJ
fsr-3389	293	28	expected	expected	ADJ
fsr-3389	293	29	payout	payout	NOUN
fsr-3389	293	30	areas	area	NOUN
fsr-3389	293	31	of	of	ADP
fsr-3389	293	32	the	the	DET
fsr-3389	293	33	contour	contour	NOUN
fsr-3389	293	34	.	.	PUNCT
fsr-3389	294	1	however	however	ADV
fsr-3389	294	2	,	,	PUNCT
fsr-3389	294	3	these	these	DET
fsr-3389	294	4	points	point	NOUN
fsr-3389	294	5	occur	occur	VERB
fsr-3389	294	6	later	later	ADV
fsr-3389	294	7	in	in	ADP
fsr-3389	294	8	life	life	NOUN
fsr-3389	294	9	,	,	PUNCT
fsr-3389	294	10	at	at	ADP
fsr-3389	294	11	around	around	ADP
fsr-3389	294	12	age	age	NOUN
fsr-3389	294	13	75	75	NUM
fsr-3389	294	14	,	,	PUNCT
fsr-3389	294	15	when	when	SCONJ
fsr-3389	294	16	one	one	PRON
fsr-3389	294	17	would	would	AUX
fsr-3389	294	18	expect	expect	VERB
fsr-3389	294	19	other	other	ADJ
fsr-3389	294	20	income	income	NOUN
fsr-3389	294	21	streams	stream	NOUN
fsr-3389	294	22	—	—	PUNCT
fsr-3389	294	23	like	like	ADP
fsr-3389	294	24	retirement	retirement	NOUN
fsr-3389	294	25	accounts	account	NOUN
fsr-3389	294	26	,	,	PUNCT
fsr-3389	294	27	pensions	pension	NOUN
fsr-3389	294	28	,	,	PUNCT
fsr-3389	294	29	or	or	CCONJ
fsr-3389	294	30	social	social	ADJ
fsr-3389	294	31	security	security	NOUN
fsr-3389	294	32	—	—	PUNCT
fsr-3389	294	33	to	to	ADP
fsr-3389	294	34	159w.w	159w.w	NUM
fsr-3389	294	35	.	.	PUNCT
fsr-3389	295	1	jennings	jennings	PROPN
fsr-3389	295	2	et	et	PROPN
fsr-3389	295	3	al	al	PROPN
fsr-3389	295	4	.	.	PUNCT
fsr-3389	295	5	/	/	SYM
fsr-3389	295	6	financial	financial	ADJ
fsr-3389	295	7	services	service	NOUN
fsr-3389	295	8	review	review	VERB
fsr-3389	295	9	27	27	NUM
fsr-3389	295	10	(	(	PUNCT
fsr-3389	295	11	2018	2018	NUM
fsr-3389	295	12	)	)	PUNCT
fsr-3389	295	13	147	147	NUM
fsr-3389	295	14	-	-	SYM
fsr-3389	295	15	172	172	NUM
fsr-3389	295	16	fig	fig	NOUN
fsr-3389	295	17	.	.	PUNCT
fsr-3389	296	1	5	5	X
fsr-3389	296	2	.	.	X
fsr-3389	296	3	panel	panel	NOUN
fsr-3389	296	4	a	a	DET
fsr-3389	296	5	:	:	PUNCT
fsr-3389	296	6	payout	payout	NOUN
fsr-3389	296	7	for	for	ADP
fsr-3389	296	8	the	the	DET
fsr-3389	296	9	buy	buy	ADJ
fsr-3389	296	10	-	-	PUNCT
fsr-3389	296	11	term	term	NOUN
fsr-3389	296	12	-	-	PUNCT
fsr-3389	296	13	and	and	CCONJ
fsr-3389	296	14	-	-	PUNCT
fsr-3389	296	15	invest	invest	VERB
fsr-3389	296	16	strategy	strategy	NOUN
fsr-3389	296	17	.	.	PUNCT
fsr-3389	297	1	this	this	DET
fsr-3389	297	2	plot	plot	NOUN
fsr-3389	297	3	shows	show	NOUN
fsr-3389	297	4	,	,	PUNCT
fsr-3389	297	5	for	for	ADP
fsr-3389	297	6	a	a	DET
fsr-3389	297	7	variety	variety	NOUN
fsr-3389	297	8	of	of	ADP
fsr-3389	297	9	mortality	mortality	NOUN
fsr-3389	297	10	combinations	combination	NOUN
fsr-3389	297	11	,	,	PUNCT
fsr-3389	297	12	the	the	DET
fsr-3389	297	13	present	present	ADJ
fsr-3389	297	14	value	value	NOUN
fsr-3389	297	15	of	of	ADP
fsr-3389	297	16	payouts	payout	NOUN
fsr-3389	297	17	for	for	ADP
fsr-3389	297	18	a	a	DET
fsr-3389	297	19	strategy	strategy	NOUN
fsr-3389	297	20	of	of	ADP
fsr-3389	297	21	buying	buy	VERB
fsr-3389	297	22	a	a	DET
fsr-3389	297	23	term	term	NOUN
fsr-3389	297	24	insurance	insurance	NOUN
fsr-3389	297	25	policy	policy	NOUN
fsr-3389	297	26	and	and	CCONJ
fsr-3389	297	27	investing	invest	VERB
fsr-3389	297	28	the	the	DET
fsr-3389	297	29	difference	difference	NOUN
fsr-3389	297	30	between	between	ADP
fsr-3389	297	31	the	the	DET
fsr-3389	297	32	cost	cost	NOUN
fsr-3389	297	33	of	of	ADP
fsr-3389	297	34	the	the	DET
fsr-3389	297	35	term	term	NOUN
fsr-3389	297	36	insurance	insurance	NOUN
fsr-3389	297	37	policy	policy	NOUN
fsr-3389	297	38	and	and	CCONJ
fsr-3389	297	39	sbp	sbp	NOUN
fsr-3389	297	40	.	.	PUNCT
fsr-3389	298	1	the	the	DET
fsr-3389	298	2	term	term	NOUN
fsr-3389	298	3	and	and	CCONJ
fsr-3389	298	4	invest	invest	VERB
fsr-3389	298	5	strategy	strategy	NOUN
fsr-3389	298	6	assumes	assume	VERB
fsr-3389	298	7	an	an	DET
fsr-3389	298	8	$	$	SYM
fsr-3389	298	9	800,000	800,000	NUM
fsr-3389	298	10	30	30	NUM
fsr-3389	298	11	-	-	PUNCT
fsr-3389	298	12	year	year	NOUN
fsr-3389	298	13	policy	policy	NOUN
fsr-3389	298	14	costing	cost	VERB
fsr-3389	298	15	$	$	SYM
fsr-3389	298	16	125	125	NUM
fsr-3389	298	17	/	/	SYM
fsr-3389	298	18	month	month	NOUN
fsr-3389	298	19	,	,	PUNCT
fsr-3389	298	20	3	3	NUM
fsr-3389	298	21	%	%	NOUN
fsr-3389	298	22	return	return	NOUN
fsr-3389	298	23	on	on	ADP
fsr-3389	298	24	investments	investment	NOUN
fsr-3389	298	25	,	,	PUNCT
fsr-3389	298	26	and	and	CCONJ
fsr-3389	298	27	2.5	2.5	NUM
fsr-3389	298	28	%	%	NOUN
fsr-3389	298	29	inflation	inflation	NOUN
fsr-3389	298	30	.	.	PUNCT
fsr-3389	299	1	panel	panel	NOUN
fsr-3389	299	2	b	b	X
fsr-3389	299	3	:	:	PUNCT
fsr-3389	299	4	payout	payout	ADJ
fsr-3389	299	5	difference	difference	NOUN
fsr-3389	299	6	between	between	ADP
fsr-3389	299	7	the	the	DET
fsr-3389	299	8	term	term	NOUN
fsr-3389	299	9	-	-	PUNCT
fsr-3389	299	10	and	and	CCONJ
fsr-3389	299	11	-	-	PUNCT
fsr-3389	299	12	invest	invest	VERB
fsr-3389	299	13	strategy	strategy	NOUN
fsr-3389	299	14	and	and	CCONJ
fsr-3389	299	15	survivor	survivor	NOUN
fsr-3389	299	16	benefit	benefit	NOUN
fsr-3389	299	17	plan	plan	NOUN
fsr-3389	299	18	(	(	PUNCT
fsr-3389	299	19	sbp	sbp	NOUN
fsr-3389	299	20	)	)	PUNCT
fsr-3389	299	21	.	.	PUNCT
fsr-3389	300	1	this	this	DET
fsr-3389	300	2	plot	plot	NOUN
fsr-3389	300	3	shows	show	NOUN
fsr-3389	300	4	,	,	PUNCT
fsr-3389	300	5	for	for	ADP
fsr-3389	300	6	a	a	DET
fsr-3389	300	7	variety	variety	NOUN
fsr-3389	300	8	of	of	ADP
fsr-3389	300	9	mortality	mortality	NOUN
fsr-3389	300	10	combinations	combination	NOUN
fsr-3389	300	11	,	,	PUNCT
fsr-3389	300	12	the	the	DET
fsr-3389	300	13	difference	difference	NOUN
fsr-3389	300	14	in	in	ADP
fsr-3389	300	15	payouts	payout	NOUN
fsr-3389	300	16	between	between	ADP
fsr-3389	300	17	sbp	sbp	NOUN
fsr-3389	300	18	and	and	CCONJ
fsr-3389	300	19	a	a	DET
fsr-3389	300	20	strategy	strategy	NOUN
fsr-3389	300	21	of	of	ADP
fsr-3389	300	22	buying	buy	VERB
fsr-3389	300	23	a	a	DET
fsr-3389	300	24	term	term	NOUN
fsr-3389	300	25	insurance	insurance	NOUN
fsr-3389	300	26	policy	policy	NOUN
fsr-3389	300	27	and	and	CCONJ
fsr-3389	300	28	investing	invest	VERB
fsr-3389	300	29	the	the	DET
fsr-3389	300	30	difference	difference	NOUN
fsr-3389	300	31	between	between	ADP
fsr-3389	300	32	the	the	DET
fsr-3389	300	33	cost	cost	NOUN
fsr-3389	300	34	of	of	ADP
fsr-3389	300	35	the	the	DET
fsr-3389	300	36	term	term	NOUN
fsr-3389	300	37	insurance	insurance	NOUN
fsr-3389	300	38	policy	policy	NOUN
fsr-3389	300	39	and	and	CCONJ
fsr-3389	300	40	sbp	sbp	NOUN
fsr-3389	300	41	.	.	PUNCT
fsr-3389	301	1	if	if	SCONJ
fsr-3389	301	2	positive	positive	ADJ
fsr-3389	301	3	,	,	PUNCT
fsr-3389	301	4	the	the	DET
fsr-3389	301	5	term	term	NOUN
fsr-3389	301	6	/	/	SYM
fsr-3389	301	7	invest	invest	NOUN
fsr-3389	301	8	policy	policy	NOUN
fsr-3389	301	9	has	have	VERB
fsr-3389	301	10	a	a	DET
fsr-3389	301	11	higher	high	ADJ
fsr-3389	301	12	payout	payout	NOUN
fsr-3389	301	13	than	than	ADP
fsr-3389	301	14	sbp	sbp	NOUN
fsr-3389	301	15	.	.	PUNCT
fsr-3389	302	1	the	the	DET
fsr-3389	302	2	term	term	NOUN
fsr-3389	302	3	and	and	CCONJ
fsr-3389	302	4	invest	invest	VERB
fsr-3389	302	5	strategy	strategy	NOUN
fsr-3389	302	6	assumes	assume	VERB
fsr-3389	302	7	an	an	DET
fsr-3389	302	8	$	$	SYM
fsr-3389	302	9	800,000	800,000	NUM
fsr-3389	302	10	30	30	NUM
fsr-3389	302	11	-	-	PUNCT
fsr-3389	302	12	year	year	NOUN
fsr-3389	302	13	policy	policy	NOUN
fsr-3389	302	14	costing	cost	VERB
fsr-3389	302	15	$	$	SYM
fsr-3389	302	16	125	125	NUM
fsr-3389	302	17	/	/	SYM
fsr-3389	302	18	month	month	NOUN
fsr-3389	302	19	,	,	PUNCT
fsr-3389	302	20	3	3	NUM
fsr-3389	302	21	%	%	NOUN
fsr-3389	302	22	return	return	NOUN
fsr-3389	302	23	on	on	ADP
fsr-3389	302	24	investments	investment	NOUN
fsr-3389	302	25	,	,	PUNCT
fsr-3389	302	26	and	and	CCONJ
fsr-3389	302	27	2.5	2.5	NUM
fsr-3389	302	28	%	%	NOUN
fsr-3389	302	29	inflation	inflation	NOUN
fsr-3389	302	30	.	.	PUNCT
fsr-3389	303	1	panel	panel	NOUN
fsr-3389	303	2	c	c	NOUN
fsr-3389	303	3	:	:	PUNCT
fsr-3389	303	4	expected	expect	VERB
fsr-3389	303	5	payout	payout	ADJ
fsr-3389	303	6	difference	difference	NOUN
fsr-3389	303	7	between	between	ADP
fsr-3389	303	8	the	the	DET
fsr-3389	303	9	term	term	NOUN
fsr-3389	303	10	-	-	PUNCT
fsr-3389	303	11	and	and	CCONJ
fsr-3389	303	12	-	-	PUNCT
fsr-3389	303	13	invest	invest	VERB
fsr-3389	303	14	strategy	strategy	NOUN
fsr-3389	303	15	and	and	CCONJ
fsr-3389	303	16	sbp	sbp	NOUN
fsr-3389	303	17	.	.	PUNCT
fsr-3389	304	1	this	this	DET
fsr-3389	304	2	plot	plot	NOUN
fsr-3389	304	3	shows	show	NOUN
fsr-3389	304	4	,	,	PUNCT
fsr-3389	304	5	for	for	ADP
fsr-3389	304	6	a	a	DET
fsr-3389	304	7	variety	variety	NOUN
fsr-3389	304	8	of	of	ADP
fsr-3389	304	9	probabilistically	probabilistically	ADV
fsr-3389	304	10	determined	determine	VERB
fsr-3389	304	11	mortality	mortality	NOUN
fsr-3389	304	12	combinations	combination	NOUN
fsr-3389	304	13	,	,	PUNCT
fsr-3389	304	14	the	the	DET
fsr-3389	304	15	difference	difference	NOUN
fsr-3389	304	16	in	in	ADP
fsr-3389	304	17	payouts	payout	NOUN
fsr-3389	304	18	between	between	ADP
fsr-3389	304	19	sbp	sbp	NOUN
fsr-3389	304	20	and	and	CCONJ
fsr-3389	304	21	a	a	DET
fsr-3389	304	22	strategy	strategy	NOUN
fsr-3389	304	23	of	of	ADP
fsr-3389	304	24	buying	buy	VERB
fsr-3389	304	25	a	a	DET
fsr-3389	304	26	term	term	NOUN
fsr-3389	304	27	insurance	insurance	NOUN
fsr-3389	304	28	policy	policy	NOUN
fsr-3389	304	29	and	and	CCONJ
fsr-3389	304	30	investing	invest	VERB
fsr-3389	304	31	the	the	DET
fsr-3389	304	32	difference	difference	NOUN
fsr-3389	304	33	between	between	ADP
fsr-3389	304	34	the	the	DET
fsr-3389	304	35	cost	cost	NOUN
fsr-3389	304	36	of	of	ADP
fsr-3389	304	37	the	the	DET
fsr-3389	304	38	term	term	NOUN
fsr-3389	304	39	insurance	insurance	NOUN
fsr-3389	304	40	policy	policy	NOUN
fsr-3389	304	41	and	and	CCONJ
fsr-3389	304	42	sbp	sbp	NOUN
fsr-3389	304	43	.	.	PUNCT
fsr-3389	305	1	if	if	SCONJ
fsr-3389	305	2	positive	positive	ADJ
fsr-3389	305	3	,	,	PUNCT
fsr-3389	305	4	the	the	DET
fsr-3389	305	5	term	term	NOUN
fsr-3389	305	6	/	/	SYM
fsr-3389	305	7	invest	invest	NOUN
fsr-3389	305	8	policy	policy	NOUN
fsr-3389	305	9	has	have	VERB
fsr-3389	305	10	a	a	DET
fsr-3389	305	11	higher	high	ADJ
fsr-3389	305	12	expected	expect	VERB
fsr-3389	305	13	payout	payout	NOUN
fsr-3389	305	14	than	than	ADP
fsr-3389	305	15	sbp	sbp	NOUN
fsr-3389	305	16	.	.	PUNCT
fsr-3389	306	1	the	the	DET
fsr-3389	306	2	term	term	NOUN
fsr-3389	306	3	and	and	CCONJ
fsr-3389	306	4	invest	invest	VERB
fsr-3389	306	5	strategy	strategy	NOUN
fsr-3389	306	6	assumes	assume	VERB
fsr-3389	306	7	an	an	DET
fsr-3389	306	8	$	$	SYM
fsr-3389	306	9	800,000	800,000	NUM
fsr-3389	306	10	30	30	NUM
fsr-3389	306	11	-	-	PUNCT
fsr-3389	306	12	year	year	NOUN
fsr-3389	306	13	policy	policy	NOUN
fsr-3389	306	14	costing	cost	VERB
fsr-3389	306	15	$	$	SYM
fsr-3389	306	16	125	125	NUM
fsr-3389	306	17	/	/	SYM
fsr-3389	306	18	month	month	NOUN
fsr-3389	306	19	,	,	PUNCT
fsr-3389	306	20	3	3	NUM
fsr-3389	306	21	%	%	NOUN
fsr-3389	306	22	return	return	NOUN
fsr-3389	306	23	on	on	ADP
fsr-3389	306	24	investments	investment	NOUN
fsr-3389	306	25	,	,	PUNCT
fsr-3389	306	26	and	and	CCONJ
fsr-3389	306	27	2.5	2.5	NUM
fsr-3389	306	28	%	%	NOUN
fsr-3389	306	29	inflation	inflation	NOUN
fsr-3389	306	30	.	.	PUNCT
fsr-3389	307	1	160	160	NUM
fsr-3389	307	2	w.w	w.w	PROPN
fsr-3389	307	3	.	.	PROPN
fsr-3389	307	4	jennings	jennings	PROPN
fsr-3389	307	5	et	et	PROPN
fsr-3389	307	6	al	al	PROPN
fsr-3389	307	7	.	.	PUNCT
fsr-3389	307	8	/	/	SYM
fsr-3389	307	9	financial	financial	ADJ
fsr-3389	307	10	services	service	NOUN
fsr-3389	307	11	review	review	VERB
fsr-3389	307	12	27	27	NUM
fsr-3389	307	13	(	(	PUNCT
fsr-3389	307	14	2018	2018	NUM
fsr-3389	307	15	)	)	PUNCT
fsr-3389	307	16	147	147	NUM
fsr-3389	307	17	-	-	SYM
fsr-3389	307	18	172	172	NUM
fsr-3389	307	19	provide	provide	VERB
fsr-3389	307	20	some	some	DET
fsr-3389	307	21	financial	financial	ADJ
fsr-3389	307	22	support	support	NOUN
fsr-3389	307	23	.	.	PUNCT
fsr-3389	308	1	additionally	additionally	ADV
fsr-3389	308	2	,	,	PUNCT
fsr-3389	308	3	by	by	ADP
fsr-3389	308	4	investing	invest	VERB
fsr-3389	308	5	,	,	PUNCT
fsr-3389	308	6	a	a	DET
fsr-3389	308	7	retiree	retiree	NOUN
fsr-3389	308	8	becomes	becomes	AUX
fsr-3389	308	9	self	self	NOUN
fsr-3389	308	10	-	-	PUNCT
fsr-3389	308	11	insured	insure	VERB
fsr-3389	308	12	much	much	ADV
fsr-3389	308	13	later	later	ADV
fsr-3389	308	14	in	in	ADP
fsr-3389	308	15	life	life	NOUN
fsr-3389	308	16	because	because	SCONJ
fsr-3389	308	17	of	of	ADP
fsr-3389	308	18	the	the	DET
fsr-3389	308	19	compounded	compound	VERB
fsr-3389	308	20	investment	investment	NOUN
fsr-3389	308	21	returns	return	NOUN
fsr-3389	308	22	(	(	PUNCT
fsr-3389	308	23	see	see	VERB
fsr-3389	308	24	the	the	DET
fsr-3389	308	25	ramp	ramp	NOUN
fsr-3389	308	26	as	as	ADP
fsr-3389	308	27	the	the	DET
fsr-3389	308	28	member	member	NOUN
fsr-3389	308	29	’s	’s	PART
fsr-3389	308	30	age	age	NOUN
fsr-3389	308	31	increases	increase	NOUN
fsr-3389	308	32	)	)	PUNCT
fsr-3389	308	33	.	.	PUNCT
fsr-3389	309	1	overall	overall	ADV
fsr-3389	309	2	,	,	PUNCT
fsr-3389	309	3	during	during	ADP
fsr-3389	309	4	the	the	DET
fsr-3389	309	5	highest	high	ADJ
fsr-3389	309	6	-	-	PUNCT
fsr-3389	309	7	probability	probability	NOUN
fsr-3389	309	8	mortality	mortality	NOUN
fsr-3389	309	9	combinations	combination	NOUN
fsr-3389	309	10	,	,	PUNCT
fsr-3389	309	11	the	the	DET
fsr-3389	309	12	term	term	NOUN
fsr-3389	309	13	-	-	PUNCT
fsr-3389	309	14	and	and	CCONJ
fsr-3389	309	15	-	-	PUNCT
fsr-3389	309	16	invest	invest	NOUN
fsr-3389	309	17	strategy	strategy	NOUN
fsr-3389	309	18	is	be	AUX
fsr-3389	309	19	preferred	prefer	VERB
fsr-3389	309	20	over	over	ADP
fsr-3389	309	21	the	the	DET
fsr-3389	309	22	sbp	sbp	NOUN
fsr-3389	309	23	db	db	PROPN
fsr-3389	309	24	insurance	insurance	NOUN
fsr-3389	309	25	program	program	NOUN
fsr-3389	309	26	.	.	PUNCT
fsr-3389	310	1	critically	critically	ADV
fsr-3389	310	2	,	,	PUNCT
fsr-3389	310	3	unlike	unlike	ADP
fsr-3389	310	4	the	the	DET
fsr-3389	310	5	sbp	sbp	NOUN
fsr-3389	310	6	,	,	PUNCT
fsr-3389	310	7	the	the	DET
fsr-3389	310	8	value	value	NOUN
fsr-3389	310	9	of	of	ADP
fsr-3389	310	10	the	the	DET
fsr-3389	310	11	term	term	NOUN
fsr-3389	310	12	insurance	insurance	NOUN
fsr-3389	310	13	and	and	CCONJ
fsr-3389	310	14	the	the	DET
fsr-3389	310	15	investments	investment	NOUN
fsr-3389	310	16	remains	remain	VERB
fsr-3389	310	17	intact	intact	ADJ
fsr-3389	310	18	even	even	ADV
fsr-3389	310	19	if	if	SCONJ
fsr-3389	310	20	the	the	DET
fsr-3389	310	21	spouse	spouse	NOUN
fsr-3389	310	22	dies	die	VERB
fsr-3389	310	23	.	.	PUNCT
fsr-3389	311	1	that	that	PRON
fsr-3389	311	2	is	is	ADV
fsr-3389	311	3	,	,	PUNCT
fsr-3389	311	4	the	the	DET
fsr-3389	311	5	term	term	NOUN
fsr-3389	311	6	policy	policy	NOUN
fsr-3389	311	7	and	and	CCONJ
fsr-3389	311	8	investments	investment	NOUN
fsr-3389	311	9	are	be	AUX
fsr-3389	311	10	available	available	ADJ
fsr-3389	311	11	to	to	ADP
fsr-3389	311	12	children	child	NOUN
fsr-3389	311	13	,	,	PUNCT
fsr-3389	311	14	charities	charity	NOUN
fsr-3389	311	15	,	,	PUNCT
fsr-3389	311	16	or	or	CCONJ
fsr-3389	311	17	any	any	DET
fsr-3389	311	18	future	future	ADJ
fsr-3389	311	19	beneficiaries	beneficiary	NOUN
fsr-3389	311	20	.	.	PUNCT
fsr-3389	312	1	besides	besides	SCONJ
fsr-3389	312	2	covering	cover	VERB
fsr-3389	312	3	the	the	DET
fsr-3389	312	4	retiree	retiree	NOUN
fsr-3389	312	5	’s	’s	PART
fsr-3389	312	6	family	family	NOUN
fsr-3389	312	7	during	during	ADP
fsr-3389	312	8	the	the	DET
fsr-3389	312	9	vital	vital	ADJ
fsr-3389	312	10	early	early	ADJ
fsr-3389	312	11	years	year	NOUN
fsr-3389	312	12	,	,	PUNCT
fsr-3389	312	13	the	the	DET
fsr-3389	312	14	term	term	NOUN
fsr-3389	312	15	-	-	PUNCT
fsr-3389	312	16	and	and	CCONJ
fsr-3389	312	17	-	-	PUNCT
fsr-3389	312	18	invest	invest	NOUN
fsr-3389	312	19	option	option	NOUN
fsr-3389	312	20	provides	provide	VERB
fsr-3389	312	21	almost	almost	ADV
fsr-3389	312	22	certain	certain	ADJ
fsr-3389	312	23	non	non	ADJ
fsr-3389	312	24	-	-	ADJ
fsr-3389	312	25	negative	negative	ADJ
fsr-3389	312	26	future	future	ADJ
fsr-3389	312	27	wealth	wealth	NOUN
fsr-3389	312	28	,	,	PUNCT
fsr-3389	312	29	regardless	regardless	ADV
fsr-3389	312	30	of	of	ADP
fsr-3389	312	31	the	the	DET
fsr-3389	312	32	mortality	mortality	NOUN
fsr-3389	312	33	order	order	NOUN
fsr-3389	312	34	of	of	ADP
fsr-3389	312	35	the	the	DET
fsr-3389	312	36	retiree	retiree	NOUN
fsr-3389	312	37	and	and	CCONJ
fsr-3389	312	38	spouse	spouse	NOUN
fsr-3389	312	39	.	.	PUNCT
fsr-3389	313	1	finally	finally	ADV
fsr-3389	313	2	,	,	PUNCT
fsr-3389	313	3	and	and	CCONJ
fsr-3389	313	4	very	very	ADV
fsr-3389	313	5	importantly	importantly	ADV
fsr-3389	313	6	,	,	PUNCT
fsr-3389	313	7	these	these	DET
fsr-3389	313	8	values	value	NOUN
fsr-3389	313	9	represent	represent	VERB
fsr-3389	313	10	the	the	DET
fsr-3389	313	11	marginal	marginal	ADJ
fsr-3389	313	12	benefits	benefit	NOUN
fsr-3389	313	13	(	(	PUNCT
fsr-3389	313	14	and	and	CCONJ
fsr-3389	313	15	costs	cost	NOUN
fsr-3389	313	16	)	)	PUNCT
fsr-3389	313	17	of	of	ADP
fsr-3389	313	18	the	the	DET
fsr-3389	313	19	term	term	NOUN
fsr-3389	313	20	-	-	PUNCT
fsr-3389	313	21	and	and	CCONJ
fsr-3389	313	22	-	-	PUNCT
fsr-3389	313	23	invest	invest	VERB
fsr-3389	313	24	strategy	strategy	NOUN
fsr-3389	313	25	relative	relative	ADJ
fsr-3389	313	26	to	to	ADP
fsr-3389	313	27	sbp	sbp	NOUN
fsr-3389	313	28	.	.	PUNCT
fsr-3389	314	1	even	even	ADV
fsr-3389	314	2	in	in	ADP
fsr-3389	314	3	those	those	DET
fsr-3389	314	4	mortality	mortality	NOUN
fsr-3389	314	5	combinations	combination	NOUN
fsr-3389	314	6	where	where	SCONJ
fsr-3389	314	7	the	the	DET
fsr-3389	314	8	term	term	NOUN
fsr-3389	314	9	-	-	PUNCT
fsr-3389	314	10	and	and	CCONJ
fsr-3389	314	11	-	-	PUNCT
fsr-3389	314	12	invest	invest	VERB
fsr-3389	314	13	strategy	strategy	NOUN
fsr-3389	314	14	underperforms	underperform	NOUN
fsr-3389	314	15	relative	relative	ADJ
fsr-3389	314	16	to	to	ADP
fsr-3389	314	17	the	the	DET
fsr-3389	314	18	sbp	sbp	NOUN
fsr-3389	314	19	strategy	strategy	NOUN
fsr-3389	314	20	,	,	PUNCT
fsr-3389	314	21	it	it	PRON
fsr-3389	314	22	does	do	AUX
fsr-3389	314	23	not	not	PART
fsr-3389	314	24	mean	mean	VERB
fsr-3389	314	25	the	the	DET
fsr-3389	314	26	military	military	PROPN
fsr-3389	314	27	retiree	retiree	PROPN
fsr-3389	314	28	’s	’s	PART
fsr-3389	314	29	spouse	spouse	NOUN
fsr-3389	314	30	is	be	AUX
fsr-3389	314	31	without	without	ADP
fsr-3389	314	32	financial	financial	ADJ
fsr-3389	314	33	resources	resource	NOUN
fsr-3389	314	34	.	.	PUNCT
fsr-3389	315	1	on	on	ADP
fsr-3389	315	2	the	the	DET
fsr-3389	315	3	contrary	contrary	NOUN
fsr-3389	315	4	,	,	PUNCT
fsr-3389	315	5	fig	fig	NOUN
fsr-3389	315	6	.	.	PUNCT
fsr-3389	316	1	5	5	NUM
fsr-3389	316	2	,	,	PUNCT
fsr-3389	316	3	panel	panel	NOUN
fsr-3389	316	4	a	a	DET
fsr-3389	316	5	shows	show	NOUN
fsr-3389	316	6	that	that	SCONJ
fsr-3389	316	7	in	in	ADP
fsr-3389	316	8	these	these	DET
fsr-3389	316	9	very	very	ADJ
fsr-3389	316	10	scenarios	scenario	NOUN
fsr-3389	316	11	the	the	DET
fsr-3389	316	12	widow	widow	NOUN
fsr-3389	316	13	does	do	AUX
fsr-3389	316	14	indeed	indeed	ADV
fsr-3389	316	15	receive	receive	VERB
fsr-3389	316	16	positive	positive	ADJ
fsr-3389	316	17	payouts	payout	NOUN
fsr-3389	316	18	in	in	ADP
fsr-3389	316	19	many	many	ADJ
fsr-3389	316	20	of	of	ADP
fsr-3389	316	21	the	the	DET
fsr-3389	316	22	scenarios	scenario	NOUN
fsr-3389	316	23	.	.	PUNCT
fsr-3389	317	1	the	the	DET
fsr-3389	317	2	reason	reason	NOUN
fsr-3389	317	3	these	these	DET
fsr-3389	317	4	payouts	payout	NOUN
fsr-3389	317	5	are	be	AUX
fsr-3389	317	6	negative	negative	ADJ
fsr-3389	317	7	in	in	ADP
fsr-3389	317	8	panel	panel	NOUN
fsr-3389	317	9	b	b	PROPN
fsr-3389	317	10	is	be	AUX
fsr-3389	317	11	because	because	SCONJ
fsr-3389	317	12	the	the	DET
fsr-3389	317	13	payouts	payout	NOUN
fsr-3389	317	14	in	in	ADP
fsr-3389	317	15	the	the	DET
fsr-3389	317	16	sbp	sbp	NOUN
fsr-3389	317	17	winner	winner	NOUN
fsr-3389	317	18	scenario	scenario	NOUN
fsr-3389	317	19	are	be	AUX
fsr-3389	317	20	exceedingly	exceedingly	ADV
fsr-3389	317	21	high	high	ADJ
fsr-3389	317	22	.	.	PUNCT
fsr-3389	318	1	in	in	ADP
fsr-3389	318	2	summary	summary	NOUN
fsr-3389	318	3	,	,	PUNCT
fsr-3389	318	4	relative	relative	ADJ
fsr-3389	318	5	to	to	ADP
fsr-3389	318	6	sbp	sbp	NOUN
fsr-3389	318	7	,	,	PUNCT
fsr-3389	318	8	a	a	DET
fsr-3389	318	9	term	term	NOUN
fsr-3389	318	10	-	-	PUNCT
fsr-3389	318	11	and	and	CCONJ
fsr-3389	318	12	-	-	PUNCT
fsr-3389	318	13	invest	invest	NOUN
fsr-3389	318	14	strategy	strategy	NOUN
fsr-3389	318	15	has	have	VERB
fsr-3389	318	16	many	many	ADJ
fsr-3389	318	17	advantages	advantage	NOUN
fsr-3389	318	18	.	.	PUNCT
fsr-3389	319	1	to	to	PART
fsr-3389	319	2	recap	recap	VERB
fsr-3389	319	3	the	the	DET
fsr-3389	319	4	two	two	NUM
fsr-3389	319	5	options	option	NOUN
fsr-3389	319	6	succinctly	succinctly	ADV
fsr-3389	319	7	,	,	PUNCT
fsr-3389	319	8	for	for	ADP
fsr-3389	319	9	the	the	DET
fsr-3389	319	10	couple	couple	NOUN
fsr-3389	319	11	identified	identify	VERB
fsr-3389	319	12	here	here	ADV
fsr-3389	319	13	,	,	PUNCT
fsr-3389	319	14	there	there	PRON
fsr-3389	319	15	is	be	VERB
fsr-3389	319	16	a	a	DET
fsr-3389	319	17	60	60	NUM
fsr-3389	319	18	%	%	NOUN
fsr-3389	319	19	probability	probability	NOUN
fsr-3389	319	20	they	they	PRON
fsr-3389	319	21	will	will	AUX
fsr-3389	319	22	pay	pay	VERB
fsr-3389	319	23	into	into	ADP
fsr-3389	319	24	sbp	sbp	NOUN
fsr-3389	319	25	more	more	ADJ
fsr-3389	319	26	than	than	SCONJ
fsr-3389	319	27	they	they	PRON
fsr-3389	319	28	ever	ever	ADV
fsr-3389	319	29	receive	receive	VERB
fsr-3389	319	30	,	,	PUNCT
fsr-3389	319	31	despite	despite	SCONJ
fsr-3389	319	32	the	the	DET
fsr-3389	319	33	program	program	NOUN
fsr-3389	319	34	’s	’s	PART
fsr-3389	319	35	government	government	NOUN
fsr-3389	319	36	subsidy	subsidy	NOUN
fsr-3389	319	37	and	and	CCONJ
fsr-3389	319	38	despite	despite	SCONJ
fsr-3389	319	39	the	the	DET
fsr-3389	319	40	program	program	NOUN
fsr-3389	319	41	’s	’s	PART
fsr-3389	319	42	expected	expect	VERB
fsr-3389	319	43	positive	positive	ADJ
fsr-3389	319	44	real	real	ADJ
fsr-3389	319	45	returns	return	NOUN
fsr-3389	319	46	.	.	PUNCT
fsr-3389	320	1	conditional	conditional	ADJ
fsr-3389	320	2	upon	upon	SCONJ
fsr-3389	320	3	falling	fall	VERB
fsr-3389	320	4	into	into	ADP
fsr-3389	320	5	this	this	DET
fsr-3389	320	6	60	60	NUM
fsr-3389	320	7	%	%	NOUN
fsr-3389	320	8	net	net	ADJ
fsr-3389	320	9	loss	loss	NOUN
fsr-3389	320	10	scenario	scenario	NOUN
fsr-3389	320	11	,	,	PUNCT
fsr-3389	320	12	the	the	DET
fsr-3389	320	13	couple	couple	NOUN
fsr-3389	320	14	can	can	AUX
fsr-3389	320	15	expect	expect	VERB
fsr-3389	320	16	a	a	DET
fsr-3389	320	17	net	net	ADJ
fsr-3389	320	18	“	"	PUNCT
fsr-3389	320	19	loss	loss	NOUN
fsr-3389	320	20	”	"	PUNCT
fsr-3389	320	21	of	of	ADP
fsr-3389	320	22	$	$	SYM
fsr-3389	320	23	55,232	55,232	NUM
fsr-3389	320	24	.	.	PUNCT
fsr-3389	321	1	on	on	ADP
fsr-3389	321	2	the	the	DET
fsr-3389	321	3	other	other	ADJ
fsr-3389	321	4	hand	hand	NOUN
fsr-3389	321	5	,	,	PUNCT
fsr-3389	321	6	if	if	SCONJ
fsr-3389	321	7	they	they	PRON
fsr-3389	321	8	happen	happen	VERB
fsr-3389	321	9	to	to	PART
fsr-3389	321	10	see	see	VERB
fsr-3389	321	11	any	any	DET
fsr-3389	321	12	sbp	sbp	NOUN
fsr-3389	321	13	payout	payout	NOUN
fsr-3389	321	14	,	,	PUNCT
fsr-3389	321	15	which	which	PRON
fsr-3389	321	16	has	have	VERB
fsr-3389	321	17	a	a	DET
fsr-3389	321	18	40	40	NUM
fsr-3389	321	19	%	%	NOUN
fsr-3389	321	20	probability	probability	NOUN
fsr-3389	321	21	of	of	ADP
fsr-3389	321	22	occurring	occur	VERB
fsr-3389	321	23	,	,	PUNCT
fsr-3389	321	24	their	their	PRON
fsr-3389	321	25	conditional	conditional	ADJ
fsr-3389	321	26	expected	expect	VERB
fsr-3389	321	27	payout	payout	NOUN
fsr-3389	321	28	is	be	AUX
fsr-3389	321	29	$	$	SYM
fsr-3389	321	30	116,500	116,500	NUM
fsr-3389	321	31	.	.	PUNCT
fsr-3389	322	1	while	while	SCONJ
fsr-3389	322	2	this	this	DET
fsr-3389	322	3	proposition	proposition	NOUN
fsr-3389	322	4	might	might	AUX
fsr-3389	322	5	sound	sound	VERB
fsr-3389	322	6	reasonable	reasonable	ADJ
fsr-3389	322	7	in	in	ADP
fsr-3389	322	8	isolation	isolation	NOUN
fsr-3389	322	9	for	for	ADP
fsr-3389	322	10	an	an	DET
fsr-3389	322	11	insurance	insurance	NOUN
fsr-3389	322	12	product	product	NOUN
fsr-3389	322	13	,	,	PUNCT
fsr-3389	322	14	it	it	PRON
fsr-3389	322	15	loses	lose	VERB
fsr-3389	322	16	appeal	appeal	NOUN
fsr-3389	322	17	relative	relative	ADJ
fsr-3389	322	18	to	to	ADP
fsr-3389	322	19	the	the	DET
fsr-3389	322	20	term	term	NOUN
fsr-3389	322	21	-	-	PUNCT
fsr-3389	322	22	and	and	CCONJ
fsr-3389	322	23	-	-	PUNCT
fsr-3389	322	24	invest	invest	VERB
fsr-3389	322	25	alternative	alternative	NOUN
fsr-3389	322	26	.	.	PUNCT
fsr-3389	323	1	in	in	ADP
fsr-3389	323	2	the	the	DET
fsr-3389	323	3	same	same	ADJ
fsr-3389	323	4	60	60	NUM
fsr-3389	323	5	%	%	NOUN
fsr-3389	323	6	of	of	ADP
fsr-3389	323	7	the	the	DET
fsr-3389	323	8	time	time	NOUN
fsr-3389	323	9	that	that	PRON
fsr-3389	323	10	the	the	DET
fsr-3389	323	11	couple	couple	NOUN
fsr-3389	323	12	would	would	AUX
fsr-3389	323	13	lose	lose	VERB
fsr-3389	323	14	with	with	ADP
fsr-3389	323	15	sbp	sbp	NOUN
fsr-3389	323	16	,	,	PUNCT
fsr-3389	323	17	their	their	PRON
fsr-3389	323	18	conditional	conditional	ADJ
fsr-3389	323	19	expected	expect	VERB
fsr-3389	323	20	payout	payout	NOUN
fsr-3389	323	21	under	under	ADP
fsr-3389	323	22	term	term	NOUN
fsr-3389	323	23	-	-	PUNCT
fsr-3389	323	24	and	and	CCONJ
fsr-3389	323	25	-	-	PUNCT
fsr-3389	323	26	invest	invest	NOUN
fsr-3389	323	27	is	be	AUX
fsr-3389	323	28	$	$	SYM
fsr-3389	323	29	85,421	85,421	NUM
fsr-3389	323	30	;	;	PUNCT
fsr-3389	323	31	for	for	ADP
fsr-3389	323	32	the	the	DET
fsr-3389	323	33	40	40	NUM
fsr-3389	323	34	%	%	NOUN
fsr-3389	323	35	of	of	ADP
fsr-3389	323	36	the	the	DET
fsr-3389	323	37	time	time	NOUN
fsr-3389	323	38	that	that	PRON
fsr-3389	323	39	fig	fig	NOUN
fsr-3389	323	40	.	.	PUNCT
fsr-3389	324	1	5	5	X
fsr-3389	324	2	.	.	PUNCT
fsr-3389	324	3	(	(	PUNCT
fsr-3389	324	4	continued	continue	VERB
fsr-3389	324	5	)	)	PUNCT
fsr-3389	324	6	.	.	PUNCT
fsr-3389	325	1	161w.w	161w.w	X
fsr-3389	325	2	.	.	PUNCT
fsr-3389	326	1	jennings	jennings	PROPN
fsr-3389	326	2	et	et	PROPN
fsr-3389	326	3	al	al	PROPN
fsr-3389	326	4	.	.	PUNCT
fsr-3389	326	5	/	/	SYM
fsr-3389	326	6	financial	financial	ADJ
fsr-3389	326	7	services	service	NOUN
fsr-3389	326	8	review	review	VERB
fsr-3389	326	9	27	27	NUM
fsr-3389	326	10	(	(	PUNCT
fsr-3389	326	11	2018	2018	NUM
fsr-3389	326	12	)	)	PUNCT
fsr-3389	326	13	147	147	NUM
fsr-3389	326	14	-	-	SYM
fsr-3389	326	15	172	172	NUM
fsr-3389	326	16	sbp	sbp	NOUN
fsr-3389	326	17	pays	pay	VERB
fsr-3389	326	18	off	off	ADP
fsr-3389	326	19	positively	positively	ADV
fsr-3389	326	20	,	,	PUNCT
fsr-3389	326	21	term	term	NOUN
fsr-3389	326	22	-	-	PUNCT
fsr-3389	326	23	and	and	CCONJ
fsr-3389	326	24	-	-	PUNCT
fsr-3389	326	25	invest	invest	NOUN
fsr-3389	326	26	pays	pay	VERB
fsr-3389	326	27	off	off	ADP
fsr-3389	326	28	as	as	ADV
fsr-3389	326	29	well	well	ADV
fsr-3389	326	30	,	,	PUNCT
fsr-3389	326	31	with	with	ADP
fsr-3389	326	32	$	$	SYM
fsr-3389	326	33	76,792	76,792	NUM
fsr-3389	326	34	.	.	PUNCT
fsr-3389	327	1	all	all	PRON
fsr-3389	327	2	of	of	ADP
fsr-3389	327	3	these	these	DET
fsr-3389	327	4	figures	figure	NOUN
fsr-3389	327	5	involve	involve	VERB
fsr-3389	327	6	comparable	comparable	ADJ
fsr-3389	327	7	risk	risk	NOUN
fsr-3389	327	8	,	,	PUNCT
fsr-3389	327	9	which	which	PRON
fsr-3389	327	10	is	be	AUX
fsr-3389	327	11	the	the	DET
fsr-3389	327	12	appropriate	appropriate	ADJ
fsr-3389	327	13	way	way	NOUN
fsr-3389	327	14	to	to	PART
fsr-3389	327	15	analyze	analyze	VERB
fsr-3389	327	16	financial	financial	ADJ
fsr-3389	327	17	decisions	decision	NOUN
fsr-3389	327	18	.	.	PUNCT
fsr-3389	328	1	predictably	predictably	ADV
fsr-3389	328	2	,	,	PUNCT
fsr-3389	328	3	the	the	DET
fsr-3389	328	4	differences	difference	NOUN
fsr-3389	328	5	become	become	VERB
fsr-3389	328	6	even	even	ADV
fsr-3389	328	7	more	more	ADV
fsr-3389	328	8	biased	biased	ADJ
fsr-3389	328	9	toward	toward	ADP
fsr-3389	328	10	the	the	DET
fsr-3389	328	11	term	term	NOUN
fsr-3389	328	12	-	-	PUNCT
fsr-3389	328	13	and	and	CCONJ
fsr-3389	328	14	-	-	PUNCT
fsr-3389	328	15	invest	inv	ADJ
fsr-3389	328	16	strategy	strategy	NOUN
fsr-3389	328	17	’s	’s	PART
fsr-3389	328	18	benefit	benefit	NOUN
fsr-3389	328	19	if	if	SCONJ
fsr-3389	328	20	one	one	NUM
fsr-3389	328	21	posits	posit	VERB
fsr-3389	328	22	real	real	ADJ
fsr-3389	328	23	investment	investment	NOUN
fsr-3389	328	24	returns	return	NOUN
fsr-3389	328	25	higher	high	ADJ
fsr-3389	328	26	than	than	ADP
fsr-3389	328	27	0.49%.16	0.49%.16	NUM
fsr-3389	328	28	having	having	AUX
fsr-3389	328	29	quantified	quantify	VERB
fsr-3389	328	30	the	the	DET
fsr-3389	328	31	most	most	ADV
fsr-3389	328	32	common	common	ADJ
fsr-3389	328	33	retiree	retiree	NOUN
fsr-3389	328	34	and	and	CCONJ
fsr-3389	328	35	spouse	spouse	NOUN
fsr-3389	328	36	scenario	scenario	NOUN
fsr-3389	328	37	and	and	CCONJ
fsr-3389	328	38	presented	present	VERB
fsr-3389	328	39	the	the	DET
fsr-3389	328	40	case	case	NOUN
fsr-3389	328	41	for	for	ADP
fsr-3389	328	42	a	a	DET
fsr-3389	328	43	term	term	NOUN
fsr-3389	328	44	-	-	PUNCT
fsr-3389	328	45	and	and	CCONJ
fsr-3389	328	46	-	-	PUNCT
fsr-3389	328	47	invest	inv	ADJ
fsr-3389	328	48	strategy	strategy	NOUN
fsr-3389	328	49	,	,	PUNCT
fsr-3389	328	50	it	it	PRON
fsr-3389	328	51	is	be	AUX
fsr-3389	328	52	important	important	ADJ
fsr-3389	328	53	to	to	PART
fsr-3389	328	54	understand	understand	VERB
fsr-3389	328	55	there	there	PRON
fsr-3389	328	56	are	be	VERB
fsr-3389	328	57	cases	case	NOUN
fsr-3389	328	58	where	where	SCONJ
fsr-3389	328	59	sbp	sbp	NOUN
fsr-3389	328	60	clearly	clearly	ADV
fsr-3389	328	61	makes	make	VERB
fsr-3389	328	62	financial	financial	ADJ
fsr-3389	328	63	sense	sense	NOUN
fsr-3389	328	64	.	.	PUNCT
fsr-3389	329	1	using	use	VERB
fsr-3389	329	2	the	the	DET
fsr-3389	329	3	same	same	ADJ
fsr-3389	329	4	methodology	methodology	NOUN
fsr-3389	329	5	presented	present	VERB
fsr-3389	329	6	in	in	ADP
fsr-3389	329	7	the	the	DET
fsr-3389	329	8	previous	previous	ADJ
fsr-3389	329	9	scenario	scenario	NOUN
fsr-3389	329	10	,	,	PUNCT
fsr-3389	329	11	fig	fig	NOUN
fsr-3389	329	12	.	.	PUNCT
fsr-3389	330	1	6	6	NUM
fsr-3389	330	2	summarizes	summarize	NOUN
fsr-3389	330	3	other	other	ADJ
fsr-3389	330	4	selected	select	VERB
fsr-3389	330	5	officer	officer	NOUN
fsr-3389	330	6	retiree	retiree	NOUN
fsr-3389	330	7	-	-	PUNCT
fsr-3389	330	8	spouse	spouse	NOUN
fsr-3389	330	9	age	age	NOUN
fsr-3389	330	10	combinations	combination	NOUN
fsr-3389	330	11	at	at	ADP
fsr-3389	330	12	retirement	retirement	NOUN
fsr-3389	330	13	.	.	PUNCT
fsr-3389	331	1	with	with	ADP
fsr-3389	331	2	estimates	estimate	NOUN
fsr-3389	331	3	of	of	ADP
fsr-3389	331	4	term	term	NOUN
fsr-3389	331	5	insurance	insurance	NOUN
fsr-3389	331	6	premiums	premium	NOUN
fsr-3389	331	7	and	and	CCONJ
fsr-3389	331	8	insured	insure	VERB
fsr-3389	331	9	sbp	sbp	NOUN
fsr-3389	331	10	coverage	coverage	NOUN
fsr-3389	331	11	amounts	amount	NOUN
fsr-3389	331	12	,	,	PUNCT
fsr-3389	331	13	it	it	PRON
fsr-3389	331	14	provides	provide	VERB
fsr-3389	331	15	the	the	DET
fsr-3389	331	16	expected	expect	VERB
fsr-3389	331	17	values	value	NOUN
fsr-3389	331	18	of	of	ADP
fsr-3389	331	19	sbp	sbp	NOUN
fsr-3389	331	20	and	and	CCONJ
fsr-3389	331	21	the	the	DET
fsr-3389	331	22	term	term	NOUN
fsr-3389	331	23	-	-	PUNCT
fsr-3389	331	24	and	and	CCONJ
fsr-3389	331	25	-	-	PUNCT
fsr-3389	331	26	invest	inv	ADJ
fsr-3389	331	27	strategy	strategy	NOUN
fsr-3389	331	28	,	,	PUNCT
fsr-3389	331	29	along	along	ADP
fsr-3389	331	30	with	with	ADP
fsr-3389	331	31	the	the	DET
fsr-3389	331	32	probability	probability	NOUN
fsr-3389	331	33	of	of	ADP
fsr-3389	331	34	receiving	receive	VERB
fsr-3389	331	35	more	more	ADV
fsr-3389	331	36	from	from	ADP
fsr-3389	331	37	sbp	sbp	NOUN
fsr-3389	331	38	than	than	SCONJ
fsr-3389	331	39	paid	pay	VERB
fsr-3389	331	40	in	in	ADP
fsr-3389	331	41	premiums	premium	NOUN
fsr-3389	331	42	.	.	PUNCT
fsr-3389	332	1	given	give	VERB
fsr-3389	332	2	the	the	DET
fsr-3389	332	3	relative	relative	ADJ
fsr-3389	332	4	life	life	NOUN
fsr-3389	332	5	expectancies	expectancy	NOUN
fsr-3389	332	6	,	,	PUNCT
fsr-3389	332	7	it	it	PRON
fsr-3389	332	8	is	be	AUX
fsr-3389	332	9	evident	evident	ADJ
fsr-3389	332	10	that	that	SCONJ
fsr-3389	332	11	military	military	ADJ
fsr-3389	332	12	retirees	retiree	NOUN
fsr-3389	332	13	with	with	ADP
fsr-3389	332	14	younger	young	ADJ
fsr-3389	332	15	spouses	spouse	NOUN
fsr-3389	332	16	should	should	AUX
fsr-3389	332	17	strongly	strongly	ADV
fsr-3389	332	18	consider	consider	VERB
fsr-3389	332	19	purchasing	purchase	VERB
fsr-3389	332	20	the	the	DET
fsr-3389	332	21	sbp	sbp	NOUN
fsr-3389	332	22	program	program	NOUN
fsr-3389	332	23	.	.	PUNCT
fsr-3389	333	1	the	the	DET
fsr-3389	333	2	shaded	shade	VERB
fsr-3389	333	3	combinations	combination	NOUN
fsr-3389	333	4	show	show	VERB
fsr-3389	333	5	the	the	DET
fsr-3389	333	6	retiree	retiree	NOUN
fsr-3389	333	7	-	-	PUNCT
fsr-3389	333	8	spouse	spouse	NOUN
fsr-3389	333	9	age	age	NOUN
fsr-3389	333	10	combinations	combination	NOUN
fsr-3389	333	11	where	where	SCONJ
fsr-3389	333	12	the	the	DET
fsr-3389	333	13	expected	expect	VERB
fsr-3389	333	14	payout	payout	NOUN
fsr-3389	333	15	to	to	ADP
fsr-3389	333	16	sbp	sbp	PROPN
fsr-3389	333	17	exceeds	exceed	NOUN
fsr-3389	333	18	that	that	PRON
fsr-3389	333	19	of	of	ADP
fsr-3389	333	20	a	a	DET
fsr-3389	333	21	possible	possible	ADJ
fsr-3389	333	22	term	term	NOUN
fsr-3389	333	23	-	-	PUNCT
fsr-3389	333	24	and	and	CCONJ
fsr-3389	333	25	-	-	PUNCT
fsr-3389	333	26	invest	invest	VERB
fsr-3389	333	27	strategy	strategy	NOUN
fsr-3389	333	28	.	.	PUNCT
fsr-3389	334	1	if	if	SCONJ
fsr-3389	334	2	a	a	DET
fsr-3389	334	3	retiree	retiree	NOUN
fsr-3389	334	4	and	and	CCONJ
fsr-3389	334	5	spouse	spouse	NOUN
fsr-3389	334	6	differ	differ	VERB
fsr-3389	334	7	in	in	ADP
fsr-3389	334	8	age	age	NOUN
fsr-3389	334	9	by	by	ADP
fsr-3389	334	10	approximately	approximately	ADV
fsr-3389	334	11	six	six	NUM
fsr-3389	334	12	years	year	NOUN
fsr-3389	334	13	,	,	PUNCT
fsr-3389	334	14	they	they	PRON
fsr-3389	334	15	will	will	AUX
fsr-3389	334	16	want	want	VERB
fsr-3389	334	17	to	to	PART
fsr-3389	334	18	look	look	VERB
fsr-3389	334	19	closely	closely	ADV
fsr-3389	334	20	at	at	ADP
fsr-3389	334	21	sbp	sbp	NOUN
fsr-3389	334	22	,	,	PUNCT
fsr-3389	334	23	as	as	SCONJ
fsr-3389	334	24	eight	eight	NUM
fsr-3389	334	25	(	(	PUNCT
fsr-3389	334	26	four	four	NUM
fsr-3389	334	27	)	)	PUNCT
fsr-3389	334	28	years	year	NOUN
fsr-3389	334	29	difference	difference	NOUN
fsr-3389	334	30	makes	make	VERB
fsr-3389	334	31	sbp	sbp	NOUN
fsr-3389	334	32	(	(	PUNCT
fsr-3389	334	33	term	term	NOUN
fsr-3389	334	34	-	-	PUNCT
fsr-3389	334	35	and	and	CCONJ
fsr-3389	334	36	-	-	PUNCT
fsr-3389	334	37	invest	invest	NOUN
fsr-3389	334	38	)	)	PUNCT
fsr-3389	334	39	the	the	DET
fsr-3389	334	40	dominant	dominant	ADJ
fsr-3389	334	41	strategy	strategy	NOUN
fsr-3389	334	42	.	.	PUNCT
fsr-3389	335	1	fig	fig	NOUN
fsr-3389	335	2	.	.	PUNCT
fsr-3389	336	1	6	6	X
fsr-3389	336	2	.	.	PUNCT
fsr-3389	336	3	expected	expect	VERB
fsr-3389	336	4	value	value	NOUN
fsr-3389	336	5	of	of	ADP
fsr-3389	336	6	survivor	survivor	NOUN
fsr-3389	336	7	benefit	benefit	NOUN
fsr-3389	336	8	plan	plan	NOUN
fsr-3389	336	9	(	(	PUNCT
fsr-3389	336	10	sbp	sbp	NOUN
fsr-3389	336	11	)	)	PUNCT
fsr-3389	336	12	for	for	ADP
fsr-3389	336	13	various	various	ADJ
fsr-3389	336	14	retiree	retiree	NOUN
fsr-3389	336	15	-	-	PUNCT
fsr-3389	336	16	spouse	spouse	NOUN
fsr-3389	336	17	age	age	NOUN
fsr-3389	336	18	combinations	combination	NOUN
fsr-3389	336	19	at	at	ADP
fsr-3389	336	20	retirement	retirement	NOUN
fsr-3389	336	21	.	.	PUNCT
fsr-3389	337	1	this	this	DET
fsr-3389	337	2	table	table	NOUN
fsr-3389	337	3	shows	show	VERB
fsr-3389	337	4	the	the	DET
fsr-3389	337	5	expected	expect	VERB
fsr-3389	337	6	value	value	NOUN
fsr-3389	337	7	based	base	VERB
fsr-3389	337	8	on	on	ADP
fsr-3389	337	9	life	life	NOUN
fsr-3389	337	10	expectancies	expectancy	NOUN
fsr-3389	337	11	for	for	ADP
fsr-3389	337	12	the	the	DET
fsr-3389	337	13	sbp	sbp	PROPN
fsr-3389	337	14	program	program	NOUN
fsr-3389	337	15	available	available	ADJ
fsr-3389	337	16	to	to	ADP
fsr-3389	337	17	military	military	ADJ
fsr-3389	337	18	retirees	retiree	NOUN
fsr-3389	337	19	and	and	CCONJ
fsr-3389	337	20	their	their	PRON
fsr-3389	337	21	spouses	spouse	NOUN
fsr-3389	337	22	,	,	PUNCT
fsr-3389	337	23	e(sbp	e(sbp	NOUN
fsr-3389	337	24	)	)	PUNCT
fsr-3389	337	25	.	.	PUNCT
fsr-3389	338	1	it	it	PRON
fsr-3389	338	2	also	also	ADV
fsr-3389	338	3	shows	show	VERB
fsr-3389	338	4	the	the	DET
fsr-3389	338	5	expected	expect	VERB
fsr-3389	338	6	value	value	NOUN
fsr-3389	338	7	for	for	ADP
fsr-3389	338	8	a	a	DET
fsr-3389	338	9	term	term	NOUN
fsr-3389	338	10	insurance	insurance	NOUN
fsr-3389	338	11	plus	plus	CCONJ
fsr-3389	338	12	investment	investment	NOUN
fsr-3389	338	13	strategy	strategy	NOUN
fsr-3389	338	14	,	,	PUNCT
fsr-3389	338	15	e(t&i	e(t&i	PROPN
fsr-3389	338	16	)	)	PUNCT
fsr-3389	338	17	,	,	PUNCT
fsr-3389	338	18	where	where	SCONJ
fsr-3389	338	19	commercial	commercial	ADJ
fsr-3389	338	20	level	level	NOUN
fsr-3389	338	21	term	term	NOUN
fsr-3389	338	22	life	life	NOUN
fsr-3389	338	23	insurance	insurance	NOUN
fsr-3389	338	24	is	be	AUX
fsr-3389	338	25	purchased	purchase	VERB
fsr-3389	338	26	and	and	CCONJ
fsr-3389	338	27	the	the	DET
fsr-3389	338	28	difference	difference	NOUN
fsr-3389	338	29	between	between	ADP
fsr-3389	338	30	these	these	DET
fsr-3389	338	31	premiums	premium	NOUN
fsr-3389	338	32	and	and	CCONJ
fsr-3389	338	33	sbp	sbp	NOUN
fsr-3389	338	34	premiums	premium	NOUN
fsr-3389	338	35	is	be	AUX
fsr-3389	338	36	invested	invest	VERB
fsr-3389	338	37	in	in	ADP
fsr-3389	338	38	risk	risk	NOUN
fsr-3389	338	39	-	-	PUNCT
fsr-3389	338	40	free	free	ADJ
fsr-3389	338	41	treasuries	treasury	NOUN
fsr-3389	338	42	.	.	PUNCT
fsr-3389	339	1	it	it	PRON
fsr-3389	339	2	also	also	ADV
fsr-3389	339	3	shows	show	VERB
fsr-3389	339	4	the	the	DET
fsr-3389	339	5	probability	probability	NOUN
fsr-3389	339	6	that	that	SCONJ
fsr-3389	339	7	the	the	DET
fsr-3389	339	8	couple	couple	NOUN
fsr-3389	339	9	will	will	AUX
fsr-3389	339	10	receive	receive	VERB
fsr-3389	339	11	sbp	sbp	NOUN
fsr-3389	339	12	payouts	payout	NOUN
fsr-3389	339	13	that	that	PRON
fsr-3389	339	14	surpass	surpass	VERB
fsr-3389	339	15	premiums	premium	NOUN
fsr-3389	339	16	,	,	PUNCT
fsr-3389	339	17	pr(sbp	pr(sbp	NOUN
fsr-3389	339	18	�	�	PROPN
fsr-3389	339	19	0	0	NUM
fsr-3389	339	20	)	)	PUNCT
fsr-3389	339	21	.	.	PUNCT
fsr-3389	340	1	the	the	DET
fsr-3389	340	2	age	age	NOUN
fsr-3389	340	3	combinations	combination	NOUN
fsr-3389	340	4	represent	represent	VERB
fsr-3389	340	5	the	the	DET
fsr-3389	340	6	retiree	retiree	NOUN
fsr-3389	340	7	and	and	CCONJ
fsr-3389	340	8	spouse	spouse	NOUN
fsr-3389	340	9	ages	age	NOUN
fsr-3389	340	10	at	at	ADP
fsr-3389	340	11	the	the	DET
fsr-3389	340	12	time	time	NOUN
fsr-3389	340	13	of	of	ADP
fsr-3389	340	14	retirement	retirement	NOUN
fsr-3389	340	15	.	.	PUNCT
fsr-3389	341	1	the	the	DET
fsr-3389	341	2	final	final	ADJ
fsr-3389	341	3	row	row	NOUN
fsr-3389	341	4	shows	show	VERB
fsr-3389	341	5	the	the	DET
fsr-3389	341	6	amount	amount	NOUN
fsr-3389	341	7	of	of	ADP
fsr-3389	341	8	annual	annual	ADJ
fsr-3389	341	9	retirement	retirement	NOUN
fsr-3389	341	10	pay	pay	VERB
fsr-3389	341	11	the	the	DET
fsr-3389	341	12	retiree	retiree	NOUN
fsr-3389	341	13	insures	insure	NOUN
fsr-3389	341	14	.	.	PUNCT
fsr-3389	342	1	shaded	shaded	ADJ
fsr-3389	342	2	cells	cell	NOUN
fsr-3389	342	3	represent	represent	VERB
fsr-3389	342	4	retiree	retiree	NOUN
fsr-3389	342	5	-	-	PUNCT
fsr-3389	342	6	spouse	spouse	NOUN
fsr-3389	342	7	combinations	combination	NOUN
fsr-3389	342	8	where	where	SCONJ
fsr-3389	342	9	the	the	DET
fsr-3389	342	10	expected	expected	ADJ
fsr-3389	342	11	sbp	sbp	NOUN
fsr-3389	342	12	payout	payout	NOUN
fsr-3389	342	13	is	be	AUX
fsr-3389	342	14	greater	great	ADJ
fsr-3389	342	15	than	than	ADP
fsr-3389	342	16	the	the	DET
fsr-3389	342	17	expected	expect	VERB
fsr-3389	342	18	term	term	NOUN
fsr-3389	342	19	plus	plus	CCONJ
fsr-3389	342	20	investment	investment	NOUN
fsr-3389	342	21	payout	payout	NOUN
fsr-3389	342	22	,	,	PUNCT
fsr-3389	342	23	or	or	CCONJ
fsr-3389	342	24	e(sbp	e(sbp	NOUN
fsr-3389	342	25	)	)	PUNCT
fsr-3389	342	26	�	�	PROPN
fsr-3389	342	27	e(t&i	e(t&i	PROPN
fsr-3389	342	28	)	)	PUNCT
fsr-3389	342	29	.	.	PUNCT
fsr-3389	343	1	162	162	NUM
fsr-3389	343	2	w.w	w.w	PROPN
fsr-3389	343	3	.	.	PROPN
fsr-3389	343	4	jennings	jennings	PROPN
fsr-3389	343	5	et	et	PROPN
fsr-3389	343	6	al	al	PROPN
fsr-3389	343	7	.	.	PUNCT
fsr-3389	343	8	/	/	SYM
fsr-3389	343	9	financial	financial	ADJ
fsr-3389	343	10	services	service	NOUN
fsr-3389	343	11	review	review	VERB
fsr-3389	343	12	27	27	NUM
fsr-3389	343	13	(	(	PUNCT
fsr-3389	343	14	2018	2018	NUM
fsr-3389	343	15	)	)	PUNCT
fsr-3389	343	16	147	147	NUM
fsr-3389	343	17	-	-	SYM
fsr-3389	343	18	172	172	NUM
fsr-3389	343	19	5.3	5.3	NUM
fsr-3389	343	20	.	.	PUNCT
fsr-3389	344	1	mentor	mentor	VERB
fsr-3389	344	2	those	those	DET
fsr-3389	344	3	junior	junior	ADJ
fsr-3389	344	4	to	to	ADP
fsr-3389	344	5	you	you	PRON
fsr-3389	344	6	about	about	ADP
fsr-3389	344	7	the	the	DET
fsr-3389	344	8	sbp	sbp	NOUN
fsr-3389	344	9	decision	decision	NOUN
fsr-3389	344	10	for	for	ADP
fsr-3389	344	11	those	those	PRON
fsr-3389	344	12	with	with	ADP
fsr-3389	344	13	clients	client	NOUN
fsr-3389	344	14	who	who	PRON
fsr-3389	344	15	have	have	AUX
fsr-3389	344	16	already	already	ADV
fsr-3389	344	17	chosen	choose	VERB
fsr-3389	344	18	sbp	sbp	NOUN
fsr-3389	344	19	,	,	PUNCT
fsr-3389	344	20	it	it	PRON
fsr-3389	344	21	is	be	AUX
fsr-3389	344	22	important	important	ADJ
fsr-3389	344	23	to	to	PART
fsr-3389	344	24	stress	stress	VERB
fsr-3389	344	25	that	that	SCONJ
fsr-3389	344	26	it	it	PRON
fsr-3389	344	27	is	be	AUX
fsr-3389	344	28	not	not	PART
fsr-3389	344	29	an	an	DET
fsr-3389	344	30	ineffective	ineffective	ADJ
fsr-3389	344	31	or	or	CCONJ
fsr-3389	344	32	malicious	malicious	ADJ
fsr-3389	344	33	program	program	NOUN
fsr-3389	344	34	.	.	PUNCT
fsr-3389	345	1	it	it	PRON
fsr-3389	345	2	does	do	AUX
fsr-3389	345	3	provide	provide	VERB
fsr-3389	345	4	income	income	NOUN
fsr-3389	345	5	protection	protection	NOUN
fsr-3389	345	6	for	for	ADP
fsr-3389	345	7	the	the	DET
fsr-3389	345	8	spouse	spouse	NOUN
fsr-3389	345	9	should	should	AUX
fsr-3389	345	10	the	the	DET
fsr-3389	345	11	retiree	retiree	NOUN
fsr-3389	345	12	predecease	predecease	NOUN
fsr-3389	345	13	the	the	DET
fsr-3389	345	14	spouse	spouse	NOUN
fsr-3389	345	15	.	.	PUNCT
fsr-3389	346	1	sbp	sbp	PROPN
fsr-3389	346	2	is	be	AUX
fsr-3389	346	3	an	an	DET
fsr-3389	346	4	annuitization	annuitization	NOUN
fsr-3389	346	5	strategy	strategy	NOUN
fsr-3389	346	6	that	that	PRON
fsr-3389	346	7	goes	go	VERB
fsr-3389	346	8	a	a	DET
fsr-3389	346	9	long	long	ADJ
fsr-3389	346	10	way	way	NOUN
fsr-3389	346	11	in	in	ADP
fsr-3389	346	12	addressing	address	VERB
fsr-3389	346	13	the	the	DET
fsr-3389	346	14	longevity	longevity	NOUN
fsr-3389	346	15	risk	risk	NOUN
fsr-3389	346	16	of	of	ADP
fsr-3389	346	17	a	a	DET
fsr-3389	346	18	surviving	surviving	NOUN
fsr-3389	346	19	spouse	spouse	NOUN
fsr-3389	346	20	.	.	PUNCT
fsr-3389	347	1	for	for	ADP
fsr-3389	347	2	many	many	ADJ
fsr-3389	347	3	,	,	PUNCT
fsr-3389	347	4	sbp	sbp	PROPN
fsr-3389	347	5	is	be	AUX
fsr-3389	347	6	a	a	DET
fsr-3389	347	7	viable	viable	ADJ
fsr-3389	347	8	solution	solution	NOUN
fsr-3389	347	9	to	to	ADP
fsr-3389	347	10	the	the	DET
fsr-3389	347	11	annuity	annuity	NOUN
fsr-3389	347	12	puzzle	puzzle	NOUN
fsr-3389	347	13	,	,	PUNCT
fsr-3389	347	14	where	where	SCONJ
fsr-3389	347	15	too	too	ADV
fsr-3389	347	16	few	few	ADJ
fsr-3389	347	17	retirees	retiree	NOUN
fsr-3389	347	18	annuitize	annuitize	VERB
fsr-3389	347	19	retirement	retirement	NOUN
fsr-3389	347	20	wealth	wealth	NOUN
fsr-3389	347	21	as	as	SCONJ
fsr-3389	347	22	life	life	NOUN
fsr-3389	347	23	cycle	cycle	NOUN
fsr-3389	347	24	models	model	NOUN
fsr-3389	347	25	would	would	AUX
fsr-3389	347	26	suggest	suggest	VERB
fsr-3389	347	27	they	they	PRON
fsr-3389	347	28	should	should	AUX
fsr-3389	347	29	(	(	PUNCT
fsr-3389	347	30	yaari	yaari	PROPN
fsr-3389	347	31	,	,	PUNCT
fsr-3389	347	32	1965	1965	NUM
fsr-3389	347	33	)	)	PUNCT
fsr-3389	347	34	.	.	PUNCT
fsr-3389	348	1	sbp	sbp	PROPN
fsr-3389	348	2	largely	largely	ADV
fsr-3389	348	3	addresses	address	VERB
fsr-3389	348	4	an	an	DET
fsr-3389	348	5	inadequacy	inadequacy	NOUN
fsr-3389	348	6	in	in	ADP
fsr-3389	348	7	life	life	NOUN
fsr-3389	348	8	insurance	insurance	NOUN
fsr-3389	348	9	that	that	PRON
fsr-3389	348	10	leaves	leave	VERB
fsr-3389	348	11	many	many	ADJ
fsr-3389	348	12	widows	widow	NOUN
fsr-3389	348	13	experiencing	experience	VERB
fsr-3389	348	14	a	a	DET
fsr-3389	348	15	dramatic	dramatic	ADJ
fsr-3389	348	16	reduction	reduction	NOUN
fsr-3389	348	17	in	in	ADP
fsr-3389	348	18	standard	standard	NOUN
fsr-3389	348	19	of	of	ADP
fsr-3389	348	20	living	living	NOUN
fsr-3389	348	21	(	(	PUNCT
fsr-3389	348	22	auerbach	auerbach	NOUN
fsr-3389	348	23	and	and	CCONJ
fsr-3389	348	24	kotlikoff	kotlikoff	NOUN
fsr-3389	348	25	,	,	PUNCT
fsr-3389	348	26	1991	1991	NUM
fsr-3389	348	27	)	)	PUNCT
fsr-3389	348	28	.	.	PUNCT
fsr-3389	349	1	with	with	ADP
fsr-3389	349	2	potentially	potentially	ADV
fsr-3389	349	3	better	well	ADJ
fsr-3389	349	4	options	option	NOUN
fsr-3389	349	5	available	available	ADJ
fsr-3389	349	6	to	to	ADP
fsr-3389	349	7	military	military	ADJ
fsr-3389	349	8	retirees	retiree	NOUN
fsr-3389	349	9	,	,	PUNCT
fsr-3389	349	10	we	we	PRON
fsr-3389	349	11	want	want	VERB
fsr-3389	349	12	to	to	PART
fsr-3389	349	13	urge	urge	VERB
fsr-3389	349	14	mentorship	mentorship	NOUN
fsr-3389	349	15	of	of	ADP
fsr-3389	349	16	future	future	ADJ
fsr-3389	349	17	generations	generation	NOUN
fsr-3389	349	18	about	about	ADP
fsr-3389	349	19	their	their	PRON
fsr-3389	349	20	choices	choice	NOUN
fsr-3389	349	21	.	.	PUNCT
fsr-3389	350	1	the	the	DET
fsr-3389	350	2	finra	finra	PROPN
fsr-3389	350	3	(	(	PUNCT
fsr-3389	350	4	finra	finra	PROPN
fsr-3389	350	5	investor	investor	PROPN
fsr-3389	350	6	education	education	PROPN
fsr-3389	350	7	foundation	foundation	PROPN
fsr-3389	350	8	,	,	PUNCT
fsr-3389	350	9	2012	2012	NUM
fsr-3389	350	10	)	)	PUNCT
fsr-3389	350	11	study	study	NOUN
fsr-3389	350	12	entitled	entitle	VERB
fsr-3389	350	13	,	,	PUNCT
fsr-3389	350	14	“	"	PUNCT
fsr-3389	350	15	financial	financial	ADJ
fsr-3389	350	16	capability	capability	NOUN
fsr-3389	350	17	in	in	ADP
fsr-3389	350	18	the	the	DET
fsr-3389	350	19	united	united	PROPN
fsr-3389	350	20	states	states	PROPN
fsr-3389	350	21	,	,	PUNCT
fsr-3389	350	22	2012	2012	NUM
fsr-3389	350	23	report	report	NOUN
fsr-3389	350	24	of	of	ADP
fsr-3389	350	25	military	military	ADJ
fsr-3389	350	26	findings	finding	NOUN
fsr-3389	350	27	,	,	PUNCT
fsr-3389	350	28	”	"	PUNCT
fsr-3389	350	29	finds	find	VERB
fsr-3389	350	30	that	that	SCONJ
fsr-3389	350	31	many	many	ADJ
fsr-3389	350	32	active	active	ADJ
fsr-3389	350	33	military	military	ADJ
fsr-3389	350	34	members	member	NOUN
fsr-3389	350	35	fail	fail	VERB
fsr-3389	350	36	to	to	PART
fsr-3389	350	37	plan	plan	VERB
fsr-3389	350	38	for	for	ADP
fsr-3389	350	39	retirement	retirement	NOUN
fsr-3389	350	40	.	.	PUNCT
fsr-3389	351	1	sharing	share	VERB
fsr-3389	351	2	this	this	DET
fsr-3389	351	3	sbp	sbp	NOUN
fsr-3389	351	4	analysis	analysis	NOUN
fsr-3389	351	5	with	with	ADP
fsr-3389	351	6	individuals	individual	NOUN
fsr-3389	351	7	earlier	early	ADV
fsr-3389	351	8	in	in	ADP
fsr-3389	351	9	the	the	DET
fsr-3389	351	10	preretirement	preretirement	ADJ
fsr-3389	351	11	phase	phase	NOUN
fsr-3389	351	12	of	of	ADP
fsr-3389	351	13	their	their	PRON
fsr-3389	351	14	careers	career	NOUN
fsr-3389	351	15	may	may	AUX
fsr-3389	351	16	be	be	AUX
fsr-3389	351	17	beneficial	beneficial	ADJ
fsr-3389	351	18	.	.	PUNCT
fsr-3389	352	1	in	in	ADP
fsr-3389	352	2	some	some	DET
fsr-3389	352	3	cases	case	NOUN
fsr-3389	352	4	,	,	PUNCT
fsr-3389	352	5	doing	do	VERB
fsr-3389	352	6	so	so	ADV
fsr-3389	352	7	will	will	AUX
fsr-3389	352	8	allow	allow	VERB
fsr-3389	352	9	them	they	PRON
fsr-3389	352	10	to	to	PART
fsr-3389	352	11	buy	buy	VERB
fsr-3389	352	12	level	level	NOUN
fsr-3389	352	13	-	-	PUNCT
fsr-3389	352	14	term	term	NOUN
fsr-3389	352	15	insurance	insurance	NOUN
fsr-3389	352	16	at	at	ADP
fsr-3389	352	17	lower	low	ADJ
fsr-3389	352	18	rates	rate	NOUN
fsr-3389	352	19	and	and	CCONJ
fsr-3389	352	20	while	while	SCONJ
fsr-3389	352	21	they	they	PRON
fsr-3389	352	22	are	be	AUX
fsr-3389	352	23	insurable	insurable	ADJ
fsr-3389	352	24	.	.	PUNCT
fsr-3389	353	1	as	as	ADV
fsr-3389	353	2	good	good	ADJ
fsr-3389	353	3	as	as	SCONJ
fsr-3389	353	4	they	they	PRON
fsr-3389	353	5	are	be	AUX
fsr-3389	353	6	at	at	ADP
fsr-3389	353	7	strategic	strategic	ADJ
fsr-3389	353	8	,	,	PUNCT
fsr-3389	353	9	operational	operational	ADJ
fsr-3389	353	10	,	,	PUNCT
fsr-3389	353	11	and	and	CCONJ
fsr-3389	353	12	tactical	tactical	ADJ
fsr-3389	353	13	military	military	ADJ
fsr-3389	353	14	planning	planning	NOUN
fsr-3389	353	15	,	,	PUNCT
fsr-3389	353	16	many	many	ADJ
fsr-3389	353	17	military	military	ADJ
fsr-3389	353	18	members	member	NOUN
fsr-3389	353	19	allow	allow	VERB
fsr-3389	353	20	retirement	retirement	NOUN
fsr-3389	353	21	planning	planning	NOUN
fsr-3389	353	22	—	—	PUNCT
fsr-3389	353	23	including	include	VERB
fsr-3389	353	24	the	the	DET
fsr-3389	353	25	sbp	sbp	NOUN
fsr-3389	353	26	decision	decision	NOUN
fsr-3389	353	27	—	—	PUNCT
fsr-3389	353	28	to	to	PART
fsr-3389	353	29	flank	flank	VERB
fsr-3389	353	30	them	they	PRON
fsr-3389	353	31	.	.	PUNCT
fsr-3389	354	1	we	we	PRON
fsr-3389	354	2	posit	posit	VERB
fsr-3389	354	3	that	that	SCONJ
fsr-3389	354	4	young	young	ADJ
fsr-3389	354	5	workers	worker	NOUN
fsr-3389	354	6	with	with	ADP
fsr-3389	354	7	private	private	ADJ
fsr-3389	354	8	db	db	PROPN
fsr-3389	354	9	plans	plan	NOUN
fsr-3389	354	10	could	could	AUX
fsr-3389	354	11	benefit	benefit	VERB
fsr-3389	354	12	from	from	ADP
fsr-3389	354	13	similar	similar	ADJ
fsr-3389	354	14	mentoring	mentoring	NOUN
fsr-3389	354	15	.	.	PUNCT
fsr-3389	355	1	finally	finally	ADV
fsr-3389	355	2	,	,	PUNCT
fsr-3389	355	3	conflicting	conflict	VERB
fsr-3389	355	4	incentives	incentive	NOUN
fsr-3389	355	5	converge	converge	VERB
fsr-3389	355	6	at	at	ADP
fsr-3389	355	7	retirement	retirement	NOUN
fsr-3389	355	8	,	,	PUNCT
fsr-3389	355	9	making	make	VERB
fsr-3389	355	10	an	an	DET
fsr-3389	355	11	early	early	ADJ
fsr-3389	355	12	insurance	insurance	NOUN
fsr-3389	355	13	decision	decision	NOUN
fsr-3389	355	14	even	even	ADV
fsr-3389	355	15	more	more	ADV
fsr-3389	355	16	important	important	ADJ
fsr-3389	355	17	.	.	PUNCT
fsr-3389	356	1	typically	typically	ADV
fsr-3389	356	2	,	,	PUNCT
fsr-3389	356	3	military	military	ADJ
fsr-3389	356	4	members	member	NOUN
fsr-3389	356	5	are	be	AUX
fsr-3389	356	6	incentivized	incentivize	VERB
fsr-3389	356	7	to	to	PART
fsr-3389	356	8	report	report	VERB
fsr-3389	356	9	every	every	DET
fsr-3389	356	10	ailment	ailment	NOUN
fsr-3389	356	11	at	at	ADP
fsr-3389	356	12	retirement	retirement	NOUN
fsr-3389	356	13	for	for	ADP
fsr-3389	356	14	disability	disability	NOUN
fsr-3389	356	15	qualification	qualification	NOUN
fsr-3389	356	16	purposes	purpose	NOUN
fsr-3389	356	17	under	under	ADP
fsr-3389	356	18	veterans	veteran	NOUN
fsr-3389	356	19	’	'	PUNCT
fsr-3389	356	20	administration	administration	PROPN
fsr-3389	356	21	(	(	PUNCT
fsr-3389	356	22	va	va	NOUN
fsr-3389	356	23	)	)	PUNCT
fsr-3389	356	24	benefits	benefit	NOUN
fsr-3389	356	25	programs	program	NOUN
fsr-3389	356	26	.	.	PUNCT
fsr-3389	357	1	some	some	PRON
fsr-3389	357	2	of	of	ADP
fsr-3389	357	3	these	these	DET
fsr-3389	357	4	ailments	ailment	NOUN
fsr-3389	357	5	could	could	AUX
fsr-3389	357	6	clearly	clearly	ADV
fsr-3389	357	7	affect	affect	VERB
fsr-3389	357	8	one	one	NUM
fsr-3389	357	9	’s	’s	PART
fsr-3389	357	10	insurability	insurability	NOUN
fsr-3389	357	11	for	for	ADP
fsr-3389	357	12	any	any	DET
fsr-3389	357	13	program	program	NOUN
fsr-3389	357	14	besides	besides	SCONJ
fsr-3389	357	15	sbp	sbp	NOUN
fsr-3389	357	16	or	or	CCONJ
fsr-3389	357	17	the	the	DET
fsr-3389	357	18	military	military	NOUN
fsr-3389	357	19	’s	’s	PART
fsr-3389	357	20	term	term	NOUN
fsr-3389	357	21	insurance	insurance	NOUN
fsr-3389	357	22	counterpart	counterpart	NOUN
fsr-3389	357	23	,	,	PUNCT
fsr-3389	357	24	veterans	veterans	PROPN
fsr-3389	357	25	’	’	PART
fsr-3389	357	26	group	group	NOUN
fsr-3389	357	27	life	life	NOUN
fsr-3389	357	28	insurance	insurance	NOUN
fsr-3389	357	29	(	(	PUNCT
fsr-3389	357	30	vgli	vgli	NOUN
fsr-3389	357	31	)	)	PUNCT
fsr-3389	357	32	,	,	PUNCT
fsr-3389	357	33	neither	neither	PRON
fsr-3389	357	34	of	of	ADP
fsr-3389	357	35	which	which	PRON
fsr-3389	357	36	requires	require	VERB
fsr-3389	357	37	a	a	DET
fsr-3389	357	38	medical	medical	ADJ
fsr-3389	357	39	exam	exam	NOUN
fsr-3389	357	40	.	.	PUNCT
fsr-3389	358	1	therefore	therefore	ADV
fsr-3389	358	2	,	,	PUNCT
fsr-3389	358	3	making	make	VERB
fsr-3389	358	4	the	the	DET
fsr-3389	358	5	“	"	PUNCT
fsr-3389	358	6	to	to	PART
fsr-3389	358	7	sbp	sbp	VERB
fsr-3389	358	8	or	or	CCONJ
fsr-3389	358	9	not	not	PART
fsr-3389	358	10	sbp	sbp	NOUN
fsr-3389	358	11	”	"	PUNCT
fsr-3389	358	12	decision	decision	NOUN
fsr-3389	358	13	earlier	early	ADV
fsr-3389	358	14	could	could	AUX
fsr-3389	358	15	prove	prove	VERB
fsr-3389	358	16	tremendously	tremendously	ADV
fsr-3389	358	17	beneficial	beneficial	ADJ
fsr-3389	358	18	beyond	beyond	ADP
fsr-3389	358	19	the	the	DET
fsr-3389	358	20	figures	figure	NOUN
fsr-3389	358	21	shown	show	VERB
fsr-3389	358	22	here	here	ADV
fsr-3389	358	23	.	.	PUNCT
fsr-3389	359	1	we	we	PRON
fsr-3389	359	2	recommend	recommend	VERB
fsr-3389	359	3	that	that	SCONJ
fsr-3389	359	4	service	service	NOUN
fsr-3389	359	5	members	member	NOUN
fsr-3389	359	6	specifically	specifically	ADV
fsr-3389	359	7	—	—	PUNCT
fsr-3389	359	8	and	and	CCONJ
fsr-3389	359	9	db	db	PROPN
fsr-3389	359	10	recipients	recipient	NOUN
fsr-3389	359	11	more	more	ADV
fsr-3389	359	12	generally	generally	ADV
fsr-3389	359	13	—	—	PUNCT
fsr-3389	359	14	consider	consider	VERB
fsr-3389	359	15	the	the	DET
fsr-3389	359	16	pension	pension	NOUN
fsr-3389	359	17	insurance	insurance	NOUN
fsr-3389	359	18	decision	decision	NOUN
fsr-3389	359	19	two	two	NUM
fsr-3389	359	20	to	to	PART
fsr-3389	359	21	five	five	NUM
fsr-3389	359	22	years	year	NOUN
fsr-3389	359	23	before	before	ADP
fsr-3389	359	24	retirement	retirement	NOUN
fsr-3389	359	25	.	.	PUNCT
fsr-3389	360	1	6	6	X
fsr-3389	360	2	.	.	X
fsr-3389	360	3	caveats	caveat	NOUN
fsr-3389	360	4	and	and	CCONJ
fsr-3389	360	5	additional	additional	ADJ
fsr-3389	360	6	considerations	consideration	NOUN
fsr-3389	360	7	we	we	PRON
fsr-3389	360	8	have	have	AUX
fsr-3389	360	9	presented	present	VERB
fsr-3389	360	10	a	a	DET
fsr-3389	360	11	scenario	scenario	NOUN
fsr-3389	360	12	-	-	PUNCT
fsr-3389	360	13	based	base	VERB
fsr-3389	360	14	analysis	analysis	NOUN
fsr-3389	360	15	using	use	VERB
fsr-3389	360	16	the	the	DET
fsr-3389	360	17	most	most	ADV
fsr-3389	360	18	common	common	ADJ
fsr-3389	360	19	officer	officer	NOUN
fsr-3389	360	20	retirement	retirement	PROPN
fsr-3389	360	21	scenario	scenario	PROPN
fsr-3389	360	22	.	.	PUNCT
fsr-3389	361	1	this	this	PRON
fsr-3389	361	2	means	mean	VERB
fsr-3389	361	3	unambiguously	unambiguously	ADV
fsr-3389	361	4	that	that	SCONJ
fsr-3389	361	5	our	our	PRON
fsr-3389	361	6	recommendations	recommendation	NOUN
fsr-3389	361	7	are	be	AUX
fsr-3389	361	8	not	not	PART
fsr-3389	361	9	one	one	NUM
fsr-3389	361	10	-	-	PUNCT
fsr-3389	361	11	size	size	NOUN
fsr-3389	361	12	fits	fit	VERB
fsr-3389	361	13	all	all	PRON
fsr-3389	361	14	.	.	PUNCT
fsr-3389	362	1	instead	instead	ADV
fsr-3389	362	2	,	,	PUNCT
fsr-3389	362	3	they	they	PRON
fsr-3389	362	4	come	come	VERB
fsr-3389	362	5	with	with	ADP
fsr-3389	362	6	the	the	DET
fsr-3389	362	7	following	follow	VERB
fsr-3389	362	8	caveats	caveat	NOUN
fsr-3389	362	9	and	and	CCONJ
fsr-3389	362	10	additional	additional	ADJ
fsr-3389	362	11	considerations	consideration	NOUN
fsr-3389	362	12	.	.	PUNCT
fsr-3389	363	1	the	the	DET
fsr-3389	363	2	online	online	ADJ
fsr-3389	363	3	calculator	calculator	NOUN
fsr-3389	363	4	provides	provide	VERB
fsr-3389	363	5	individual	individual	ADJ
fsr-3389	363	6	-	-	PUNCT
fsr-3389	363	7	specific	specific	ADJ
fsr-3389	363	8	insights	insight	NOUN
fsr-3389	363	9	that	that	SCONJ
fsr-3389	363	10	this	this	DET
fsr-3389	363	11	paper	paper	NOUN
fsr-3389	363	12	does	do	AUX
fsr-3389	363	13	not	not	PART
fsr-3389	363	14	depict	depict	VERB
fsr-3389	363	15	.	.	PUNCT
fsr-3389	364	1	6.1	6.1	NUM
fsr-3389	364	2	.	.	PUNCT
fsr-3389	365	1	competent	competent	ADJ
fsr-3389	365	2	financial	financial	ADJ
fsr-3389	365	3	planning	planning	NOUN
fsr-3389	365	4	first	first	ADV
fsr-3389	365	5	and	and	CCONJ
fsr-3389	365	6	foremost	foremost	ADV
fsr-3389	365	7	,	,	PUNCT
fsr-3389	365	8	this	this	DET
fsr-3389	365	9	sbp	sbp	NOUN
fsr-3389	365	10	decision	decision	NOUN
fsr-3389	365	11	is	be	AUX
fsr-3389	365	12	a	a	DET
fsr-3389	365	13	tactical	tactical	ADJ
fsr-3389	365	14	one	one	NOUN
fsr-3389	365	15	that	that	PRON
fsr-3389	365	16	is	be	AUX
fsr-3389	365	17	part	part	NOUN
fsr-3389	365	18	of	of	ADP
fsr-3389	365	19	an	an	DET
fsr-3389	365	20	individual	individual	NOUN
fsr-3389	365	21	’s	’s	PART
fsr-3389	365	22	and	and	CCONJ
fsr-3389	365	23	family	family	NOUN
fsr-3389	365	24	’s	’s	PART
fsr-3389	365	25	broader	broad	ADJ
fsr-3389	365	26	financial	financial	ADJ
fsr-3389	365	27	strategy	strategy	NOUN
fsr-3389	365	28	.	.	PUNCT
fsr-3389	366	1	having	have	VERB
fsr-3389	366	2	a	a	DET
fsr-3389	366	3	comprehensive	comprehensive	ADJ
fsr-3389	366	4	strategy	strategy	NOUN
fsr-3389	366	5	is	be	AUX
fsr-3389	366	6	absolutely	absolutely	ADV
fsr-3389	366	7	critical	critical	ADJ
fsr-3389	366	8	and	and	CCONJ
fsr-3389	366	9	the	the	DET
fsr-3389	366	10	sbp	sbp	NOUN
fsr-3389	366	11	decision	decision	NOUN
fsr-3389	366	12	should	should	AUX
fsr-3389	366	13	complement	complement	VERB
fsr-3389	366	14	this	this	DET
fsr-3389	366	15	bigger	big	ADJ
fsr-3389	366	16	picture	picture	NOUN
fsr-3389	366	17	.	.	PUNCT
fsr-3389	367	1	it	it	PRON
fsr-3389	367	2	would	would	AUX
fsr-3389	367	3	be	be	AUX
fsr-3389	367	4	tragic	tragic	ADJ
fsr-3389	367	5	to	to	PART
fsr-3389	367	6	see	see	VERB
fsr-3389	367	7	163w.w	163w.w	NUM
fsr-3389	367	8	.	.	PUNCT
fsr-3389	368	1	jennings	jennings	PROPN
fsr-3389	368	2	et	et	PROPN
fsr-3389	368	3	al	al	PROPN
fsr-3389	368	4	.	.	PUNCT
fsr-3389	368	5	/	/	SYM
fsr-3389	368	6	financial	financial	ADJ
fsr-3389	368	7	services	service	NOUN
fsr-3389	368	8	review	review	VERB
fsr-3389	368	9	27	27	NUM
fsr-3389	368	10	(	(	PUNCT
fsr-3389	368	11	2018	2018	NUM
fsr-3389	368	12	)	)	PUNCT
fsr-3389	368	13	147	147	NUM
fsr-3389	368	14	-	-	SYM
fsr-3389	368	15	172	172	NUM
fsr-3389	368	16	destitute	destitute	ADJ
fsr-3389	368	17	war	war	NOUN
fsr-3389	368	18	widows	widow	NOUN
fsr-3389	368	19	and	and	CCONJ
fsr-3389	368	20	widowers	widower	NOUN
fsr-3389	368	21	win	win	VERB
fsr-3389	368	22	the	the	DET
fsr-3389	368	23	tactical	tactical	ADJ
fsr-3389	368	24	financial	financial	ADJ
fsr-3389	368	25	skirmish	skirmish	NOUN
fsr-3389	368	26	but	but	CCONJ
fsr-3389	368	27	lose	lose	VERB
fsr-3389	368	28	the	the	DET
fsr-3389	368	29	broader	broad	ADJ
fsr-3389	368	30	campaign	campaign	NOUN
fsr-3389	368	31	.	.	PUNCT
fsr-3389	369	1	6.2	6.2	NUM
fsr-3389	369	2	.	.	PUNCT
fsr-3389	369	3	taxes	taxis	NOUN
fsr-3389	369	4	as	as	SCONJ
fsr-3389	369	5	mentioned	mention	VERB
fsr-3389	369	6	earlier	early	ADV
fsr-3389	369	7	,	,	PUNCT
fsr-3389	369	8	our	our	PRON
fsr-3389	369	9	analysis	analysis	NOUN
fsr-3389	369	10	ignores	ignore	VERB
fsr-3389	369	11	taxes	taxis	NOUN
fsr-3389	369	12	.	.	PUNCT
fsr-3389	370	1	the	the	DET
fsr-3389	370	2	basis	basis	NOUN
fsr-3389	370	3	for	for	ADP
fsr-3389	370	4	this	this	DET
fsr-3389	370	5	decision	decision	NOUN
fsr-3389	370	6	is	be	AUX
fsr-3389	370	7	that	that	SCONJ
fsr-3389	370	8	sbp	sbp	NOUN
fsr-3389	370	9	premiums	premium	NOUN
fsr-3389	370	10	are	be	AUX
fsr-3389	370	11	paid	pay	VERB
fsr-3389	370	12	pretax	pretax	NOUN
fsr-3389	370	13	,	,	PUNCT
fsr-3389	370	14	yet	yet	CCONJ
fsr-3389	370	15	benefits	benefit	NOUN
fsr-3389	370	16	are	be	AUX
fsr-3389	370	17	taxed	tax	VERB
fsr-3389	370	18	.	.	PUNCT
fsr-3389	371	1	conversely	conversely	ADV
fsr-3389	371	2	,	,	PUNCT
fsr-3389	371	3	term	term	NOUN
fsr-3389	371	4	life	life	NOUN
fsr-3389	371	5	insurance	insurance	NOUN
fsr-3389	371	6	payments	payment	NOUN
fsr-3389	371	7	are	be	AUX
fsr-3389	371	8	taxed	tax	VERB
fsr-3389	371	9	;	;	PUNCT
fsr-3389	371	10	the	the	DET
fsr-3389	371	11	proceeds	proceed	NOUN
fsr-3389	371	12	are	be	AUX
fsr-3389	371	13	not	not	PART
fsr-3389	371	14	.	.	PUNCT
fsr-3389	372	1	the	the	DET
fsr-3389	372	2	tax	tax	NOUN
fsr-3389	372	3	status	status	NOUN
fsr-3389	372	4	of	of	ADP
fsr-3389	372	5	investments	investment	NOUN
fsr-3389	372	6	varies	vary	VERB
fsr-3389	372	7	based	base	VERB
fsr-3389	372	8	on	on	ADP
fsr-3389	372	9	whether	whether	SCONJ
fsr-3389	372	10	they	they	PRON
fsr-3389	372	11	are	be	AUX
fsr-3389	372	12	in	in	ADP
fsr-3389	372	13	tax	tax	NOUN
fsr-3389	372	14	-	-	PUNCT
fsr-3389	372	15	advantaged	advantaged	ADJ
fsr-3389	372	16	retirement	retirement	NOUN
fsr-3389	372	17	accounts	account	NOUN
fsr-3389	372	18	or	or	CCONJ
fsr-3389	372	19	not	not	PART
fsr-3389	372	20	,	,	PUNCT
fsr-3389	372	21	and	and	CCONJ
fsr-3389	372	22	if	if	SCONJ
fsr-3389	372	23	so	so	ADV
fsr-3389	372	24	,	,	PUNCT
fsr-3389	372	25	which	which	DET
fsr-3389	372	26	flavor	flavor	NOUN
fsr-3389	372	27	(	(	PUNCT
fsr-3389	372	28	e.g.	e.g.	ADV
fsr-3389	372	29	,	,	PUNCT
fsr-3389	372	30	traditional	traditional	ADJ
fsr-3389	372	31	or	or	CCONJ
fsr-3389	372	32	roth	roth	NOUN
fsr-3389	372	33	)	)	PUNCT
fsr-3389	372	34	.	.	PUNCT
fsr-3389	373	1	for	for	ADP
fsr-3389	373	2	these	these	DET
fsr-3389	373	3	reasons	reason	NOUN
fsr-3389	373	4	,	,	PUNCT
fsr-3389	373	5	we	we	PRON
fsr-3389	373	6	urge	urge	VERB
fsr-3389	373	7	readers	reader	NOUN
fsr-3389	373	8	to	to	PART
fsr-3389	373	9	perform	perform	VERB
fsr-3389	373	10	a	a	DET
fsr-3389	373	11	situation	situation	NOUN
fsr-3389	373	12	-	-	PUNCT
fsr-3389	373	13	specific	specific	ADJ
fsr-3389	373	14	tax	tax	NOUN
fsr-3389	373	15	analysis	analysis	NOUN
fsr-3389	373	16	before	before	ADP
fsr-3389	373	17	making	make	VERB
fsr-3389	373	18	any	any	DET
fsr-3389	373	19	final	final	ADJ
fsr-3389	373	20	decisions.17	decisions.17	NOUN
fsr-3389	373	21	see	see	VERB
fsr-3389	373	22	the	the	DET
fsr-3389	373	23	prior	prior	ADJ
fsr-3389	373	24	recommendation	recommendation	NOUN
fsr-3389	373	25	.	.	PUNCT
fsr-3389	374	1	6.3	6.3	NUM
fsr-3389	374	2	.	.	PUNCT
fsr-3389	375	1	personal	personal	ADJ
fsr-3389	375	2	differences	difference	NOUN
fsr-3389	375	3	clearly	clearly	ADV
fsr-3389	375	4	our	our	PRON
fsr-3389	375	5	scenario	scenario	NOUN
fsr-3389	375	6	-	-	PUNCT
fsr-3389	375	7	based	base	VERB
fsr-3389	375	8	analysis	analysis	NOUN
fsr-3389	375	9	analyzes	analyze	VERB
fsr-3389	375	10	a	a	DET
fsr-3389	375	11	particular	particular	ADJ
fsr-3389	375	12	couple	couple	NOUN
fsr-3389	375	13	—	—	PUNCT
fsr-3389	375	14	again	again	ADV
fsr-3389	375	15	,	,	PUNCT
fsr-3389	375	16	we	we	PRON
fsr-3389	375	17	understand	understand	VERB
fsr-3389	375	18	it	it	PRON
fsr-3389	375	19	to	to	PART
fsr-3389	375	20	be	be	AUX
fsr-3389	375	21	the	the	DET
fsr-3389	375	22	most	most	ADV
fsr-3389	375	23	common	common	ADJ
fsr-3389	375	24	officer	officer	NOUN
fsr-3389	375	25	retiree	retiree	PROPN
fsr-3389	375	26	scenario	scenario	NOUN
fsr-3389	375	27	inasmuch	inasmuch	ADJ
fsr-3389	375	28	as	as	SCONJ
fsr-3389	375	29	one	one	NUM
fsr-3389	375	30	exists	exist	VERB
fsr-3389	375	31	.	.	PUNCT
fsr-3389	376	1	obviously	obviously	ADV
fsr-3389	376	2	,	,	PUNCT
fsr-3389	376	3	individual	individual	ADJ
fsr-3389	376	4	retiree	retiree	NOUN
fsr-3389	376	5	and	and	CCONJ
fsr-3389	376	6	spouse	spouse	NOUN
fsr-3389	376	7	health	health	NOUN
fsr-3389	376	8	at	at	ADP
fsr-3389	376	9	retirement	retirement	NOUN
fsr-3389	376	10	varies	varie	NOUN
fsr-3389	376	11	and	and	CCONJ
fsr-3389	376	12	the	the	DET
fsr-3389	376	13	couple	couple	NOUN
fsr-3389	376	14	’s	’s	PART
fsr-3389	376	15	mortality	mortality	NOUN
fsr-3389	376	16	expectations	expectation	NOUN
fsr-3389	376	17	can	can	AUX
fsr-3389	376	18	deviate	deviate	VERB
fsr-3389	376	19	significantly	significantly	ADV
fsr-3389	376	20	—	—	PUNCT
fsr-3389	376	21	both	both	PRON
fsr-3389	376	22	positively	positively	ADV
fsr-3389	376	23	and	and	CCONJ
fsr-3389	376	24	negatively	negatively	ADV
fsr-3389	376	25	—	—	PUNCT
fsr-3389	376	26	from	from	ADP
fsr-3389	376	27	the	the	DET
fsr-3389	376	28	actuarial	actuarial	ADJ
fsr-3389	376	29	table	table	NOUN
fsr-3389	376	30	estimates	estimate	NOUN
fsr-3389	376	31	.	.	PUNCT
fsr-3389	377	1	for	for	ADP
fsr-3389	377	2	instance	instance	NOUN
fsr-3389	377	3	,	,	PUNCT
fsr-3389	377	4	because	because	SCONJ
fsr-3389	377	5	of	of	ADP
fsr-3389	377	6	a	a	DET
fsr-3389	377	7	medical	medical	ADJ
fsr-3389	377	8	condition	condition	NOUN
fsr-3389	377	9	,	,	PUNCT
fsr-3389	377	10	it	it	PRON
fsr-3389	377	11	is	be	AUX
fsr-3389	377	12	possible	possible	ADJ
fsr-3389	377	13	the	the	DET
fsr-3389	377	14	retiree	retiree	NOUN
fsr-3389	377	15	can	can	AUX
fsr-3389	377	16	not	not	PART
fsr-3389	377	17	get	get	VERB
fsr-3389	377	18	private	private	ADJ
fsr-3389	377	19	insurance	insurance	NOUN
fsr-3389	377	20	.	.	PUNCT
fsr-3389	378	1	one	one	NUM
fsr-3389	378	2	needs	need	VERB
fsr-3389	378	3	to	to	PART
fsr-3389	378	4	make	make	VERB
fsr-3389	378	5	this	this	DET
fsr-3389	378	6	determination	determination	NOUN
fsr-3389	378	7	before	before	ADP
fsr-3389	378	8	declining	decline	VERB
fsr-3389	378	9	sbp	sbp	NOUN
fsr-3389	378	10	.	.	PUNCT
fsr-3389	379	1	6.4	6.4	NUM
fsr-3389	379	2	.	.	PUNCT
fsr-3389	380	1	age	age	NOUN
fsr-3389	380	2	differences	difference	NOUN
fsr-3389	380	3	marked	mark	VERB
fsr-3389	380	4	age	age	NOUN
fsr-3389	380	5	differences	difference	NOUN
fsr-3389	380	6	can	can	AUX
fsr-3389	380	7	certainly	certainly	ADV
fsr-3389	380	8	swing	swing	VERB
fsr-3389	380	9	this	this	DET
fsr-3389	380	10	analysis	analysis	NOUN
fsr-3389	380	11	in	in	ADP
fsr-3389	380	12	favor	favor	NOUN
fsr-3389	380	13	of	of	ADP
fsr-3389	380	14	the	the	DET
fsr-3389	380	15	sbp	sbp	NOUN
fsr-3389	380	16	decision	decision	NOUN
fsr-3389	380	17	,	,	PUNCT
fsr-3389	380	18	particularly	particularly	ADV
fsr-3389	380	19	if	if	SCONJ
fsr-3389	380	20	the	the	DET
fsr-3389	380	21	retiree	retiree	NOUN
fsr-3389	380	22	is	be	AUX
fsr-3389	380	23	a	a	DET
fsr-3389	380	24	male	male	NOUN
fsr-3389	380	25	married	married	ADJ
fsr-3389	380	26	to	to	ADP
fsr-3389	380	27	a	a	DET
fsr-3389	380	28	much	much	ADV
fsr-3389	380	29	younger	young	ADJ
fsr-3389	380	30	female	female	ADJ
fsr-3389	380	31	spouse	spouse	NOUN
fsr-3389	380	32	.	.	PUNCT
fsr-3389	381	1	in	in	ADP
fsr-3389	381	2	that	that	DET
fsr-3389	381	3	case	case	NOUN
fsr-3389	381	4	it	it	PRON
fsr-3389	381	5	is	be	AUX
fsr-3389	381	6	more	more	ADV
fsr-3389	381	7	likely	likely	ADJ
fsr-3389	381	8	that	that	SCONJ
fsr-3389	381	9	the	the	DET
fsr-3389	381	10	male	male	ADJ
fsr-3389	381	11	retiree	retiree	NOUN
fsr-3389	381	12	will	will	AUX
fsr-3389	381	13	predecease	predecease	VERB
fsr-3389	381	14	his	his	PRON
fsr-3389	381	15	spouse	spouse	NOUN
fsr-3389	381	16	,	,	PUNCT
fsr-3389	381	17	generating	generate	VERB
fsr-3389	381	18	much	much	ADV
fsr-3389	381	19	higher	high	ADJ
fsr-3389	381	20	expected	expect	VERB
fsr-3389	381	21	payoffs	payoff	NOUN
fsr-3389	381	22	to	to	ADP
fsr-3389	381	23	the	the	DET
fsr-3389	381	24	spousal	spousal	NOUN
fsr-3389	381	25	beneficiary	beneficiary	NOUN
fsr-3389	381	26	.	.	PUNCT
fsr-3389	382	1	fig	fig	NOUN
fsr-3389	382	2	.	.	PUNCT
fsr-3389	383	1	6	6	NUM
fsr-3389	383	2	,	,	PUNCT
fsr-3389	383	3	as	as	ADV
fsr-3389	383	4	well	well	ADV
fsr-3389	383	5	as	as	ADP
fsr-3389	383	6	our	our	PRON
fsr-3389	383	7	online	online	ADJ
fsr-3389	383	8	calculator	calculator	NOUN
fsr-3389	383	9	can	can	AUX
fsr-3389	383	10	help	help	VERB
fsr-3389	383	11	here	here	ADV
fsr-3389	383	12	.	.	PUNCT
fsr-3389	384	1	6.5	6.5	NUM
fsr-3389	384	2	.	.	PUNCT
fsr-3389	385	1	children	child	NOUN
fsr-3389	385	2	along	along	ADP
fsr-3389	385	3	similar	similar	ADJ
fsr-3389	385	4	lines	line	NOUN
fsr-3389	385	5	as	as	ADP
fsr-3389	385	6	the	the	DET
fsr-3389	385	7	previous	previous	ADJ
fsr-3389	385	8	caveat	caveat	NOUN
fsr-3389	385	9	,	,	PUNCT
fsr-3389	385	10	retirees	retiree	NOUN
fsr-3389	385	11	with	with	ADP
fsr-3389	385	12	young	young	ADJ
fsr-3389	385	13	children	child	NOUN
fsr-3389	385	14	can	can	AUX
fsr-3389	385	15	consider	consider	VERB
fsr-3389	385	16	opting	opt	VERB
fsr-3389	385	17	for	for	ADP
fsr-3389	385	18	the	the	DET
fsr-3389	385	19	child	child	NOUN
fsr-3389	385	20	-	-	PUNCT
fsr-3389	385	21	only	only	ADJ
fsr-3389	385	22	benefit	benefit	NOUN
fsr-3389	385	23	portion	portion	NOUN
fsr-3389	385	24	of	of	ADP
fsr-3389	385	25	the	the	DET
fsr-3389	385	26	sbp	sbp	NOUN
fsr-3389	385	27	.	.	PUNCT
fsr-3389	386	1	this	this	DET
fsr-3389	386	2	a	a	DET
fsr-3389	386	3	la	la	PROPN
fsr-3389	386	4	carte	carte	NOUN
fsr-3389	386	5	option	option	NOUN
fsr-3389	386	6	permits	permit	VERB
fsr-3389	386	7	the	the	DET
fsr-3389	386	8	retiree	retiree	NOUN
fsr-3389	386	9	to	to	PART
fsr-3389	386	10	buy	buy	VERB
fsr-3389	386	11	sbp	sbp	NOUN
fsr-3389	386	12	at	at	ADP
fsr-3389	386	13	a	a	DET
fsr-3389	386	14	very	very	ADV
fsr-3389	386	15	low	low	ADJ
fsr-3389	386	16	rate	rate	NOUN
fsr-3389	386	17	(	(	PUNCT
fsr-3389	386	18	e.g.	e.g.	ADV
fsr-3389	386	19	,	,	PUNCT
fsr-3389	386	20	on	on	ADP
fsr-3389	386	21	the	the	DET
fsr-3389	386	22	order	order	NOUN
fsr-3389	386	23	of	of	ADP
fsr-3389	386	24	$	$	SYM
fsr-3389	386	25	10–$20	10–$20	NUM
fsr-3389	386	26	per	per	ADP
fsr-3389	386	27	month	month	NOUN
fsr-3389	386	28	)	)	PUNCT
fsr-3389	386	29	with	with	ADP
fsr-3389	386	30	children	child	NOUN
fsr-3389	386	31	as	as	ADP
fsr-3389	386	32	the	the	DET
fsr-3389	386	33	beneficiaries	beneficiary	NOUN
fsr-3389	386	34	.	.	PUNCT
fsr-3389	387	1	eligible	eligible	ADJ
fsr-3389	387	2	children	child	NOUN
fsr-3389	387	3	share	share	VERB
fsr-3389	387	4	the	the	DET
fsr-3389	387	5	full	full	ADJ
fsr-3389	387	6	55	55	NUM
fsr-3389	387	7	%	%	NOUN
fsr-3389	387	8	benefit	benefit	NOUN
fsr-3389	387	9	equally	equally	ADV
fsr-3389	387	10	until	until	SCONJ
fsr-3389	387	11	they	they	PRON
fsr-3389	387	12	turn	turn	VERB
fsr-3389	387	13	18	18	NUM
fsr-3389	387	14	,	,	PUNCT
fsr-3389	387	15	or	or	CCONJ
fsr-3389	387	16	22	22	NUM
fsr-3389	387	17	if	if	SCONJ
fsr-3389	387	18	a	a	DET
fsr-3389	387	19	student	student	NOUN
fsr-3389	387	20	,	,	PUNCT
fsr-3389	387	21	at	at	ADP
fsr-3389	387	22	which	which	DET
fsr-3389	387	23	time	time	NOUN
fsr-3389	387	24	they	they	PRON
fsr-3389	387	25	become	become	VERB
fsr-3389	387	26	ineligible	ineligible	ADJ
fsr-3389	387	27	.	.	PUNCT
fsr-3389	388	1	if	if	SCONJ
fsr-3389	388	2	both	both	PRON
fsr-3389	388	3	spouse	spouse	NOUN
fsr-3389	388	4	and	and	CCONJ
fsr-3389	388	5	child	child	NOUN
fsr-3389	388	6	benefits	benefit	NOUN
fsr-3389	388	7	are	be	AUX
fsr-3389	388	8	elected	elect	VERB
fsr-3389	388	9	,	,	PUNCT
fsr-3389	388	10	then	then	ADV
fsr-3389	388	11	children	child	NOUN
fsr-3389	388	12	are	be	AUX
fsr-3389	388	13	not	not	PART
fsr-3389	388	14	eligible	eligible	ADJ
fsr-3389	388	15	for	for	ADP
fsr-3389	388	16	these	these	DET
fsr-3389	388	17	benefits	benefit	NOUN
fsr-3389	388	18	until	until	SCONJ
fsr-3389	388	19	the	the	DET
fsr-3389	388	20	spouse	spouse	NOUN
fsr-3389	388	21	is	be	AUX
fsr-3389	388	22	ineligible	ineligible	ADJ
fsr-3389	388	23	through	through	ADP
fsr-3389	388	24	remarriage	remarriage	NOUN
fsr-3389	388	25	or	or	CCONJ
fsr-3389	388	26	death	death	NOUN
fsr-3389	388	27	.	.	PUNCT
fsr-3389	389	1	in	in	ADP
fsr-3389	389	2	short	short	ADJ
fsr-3389	389	3	,	,	PUNCT
fsr-3389	389	4	when	when	SCONJ
fsr-3389	389	5	a	a	DET
fsr-3389	389	6	retiree	retiree	NOUN
fsr-3389	389	7	’s	’s	PART
fsr-3389	389	8	youngest	young	ADJ
fsr-3389	389	9	child	child	NOUN
fsr-3389	389	10	is	be	AUX
fsr-3389	389	11	very	very	ADV
fsr-3389	389	12	young	young	ADJ
fsr-3389	389	13	,	,	PUNCT
fsr-3389	389	14	the	the	DET
fsr-3389	389	15	sbp	sbp	NOUN
fsr-3389	389	16	child	child	NOUN
fsr-3389	389	17	option	option	NOUN
fsr-3389	389	18	can	can	AUX
fsr-3389	389	19	serve	serve	VERB
fsr-3389	389	20	as	as	ADP
fsr-3389	389	21	an	an	DET
fsr-3389	389	22	inexpensive	inexpensive	ADJ
fsr-3389	389	23	partial	partial	ADJ
fsr-3389	389	24	substitute	substitute	NOUN
fsr-3389	389	25	for	for	ADP
fsr-3389	389	26	the	the	DET
fsr-3389	389	27	private	private	ADJ
fsr-3389	389	28	insurance	insurance	NOUN
fsr-3389	389	29	coverage	coverage	NOUN
fsr-3389	389	30	in	in	ADP
fsr-3389	389	31	the	the	DET
fsr-3389	389	32	term	term	NOUN
fsr-3389	389	33	-	-	PUNCT
fsr-3389	389	34	and	and	CCONJ
fsr-3389	389	35	-	-	PUNCT
fsr-3389	389	36	invest	invest	VERB
fsr-3389	389	37	option	option	NOUN
fsr-3389	389	38	we	we	PRON
fsr-3389	389	39	present	present	VERB
fsr-3389	389	40	.	.	PUNCT
fsr-3389	390	1	notably	notably	ADV
fsr-3389	390	2	,	,	PUNCT
fsr-3389	390	3	untabulated	untabulate	VERB
fsr-3389	390	4	analysis	analysis	NOUN
fsr-3389	390	5	shows	show	VERB
fsr-3389	390	6	the	the	DET
fsr-3389	390	7	child	child	NOUN
fsr-3389	390	8	-	-	PUNCT
fsr-3389	390	9	only	only	ADJ
fsr-3389	390	10	coverage	coverage	NOUN
fsr-3389	390	11	is	be	AUX
fsr-3389	390	12	not	not	PART
fsr-3389	390	13	actuarially	actuarially	ADV
fsr-3389	390	14	favorable	favorable	ADJ
fsr-3389	390	15	to	to	ADP
fsr-3389	390	16	participants	participant	NOUN
fsr-3389	390	17	;	;	PUNCT
fsr-3389	390	18	however	however	ADV
fsr-3389	390	19	,	,	PUNCT
fsr-3389	390	20	the	the	DET
fsr-3389	390	21	premiums	premium	NOUN
fsr-3389	390	22	can	can	AUX
fsr-3389	390	23	be	be	AUX
fsr-3389	390	24	a	a	DET
fsr-3389	390	25	small	small	ADJ
fsr-3389	390	26	price	price	NOUN
fsr-3389	390	27	to	to	PART
fsr-3389	390	28	pay	pay	VERB
fsr-3389	390	29	for	for	ADP
fsr-3389	390	30	the	the	DET
fsr-3389	390	31	peace	peace	NOUN
fsr-3389	390	32	of	of	ADP
fsr-3389	390	33	mind	mind	NOUN
fsr-3389	390	34	this	this	DET
fsr-3389	390	35	coverage	coverage	NOUN
fsr-3389	390	36	provides	provide	VERB
fsr-3389	390	37	.	.	PUNCT
fsr-3389	391	1	164	164	NUM
fsr-3389	391	2	w.w	w.w	PROPN
fsr-3389	391	3	.	.	PROPN
fsr-3389	391	4	jennings	jennings	PROPN
fsr-3389	391	5	et	et	PROPN
fsr-3389	391	6	al	al	PROPN
fsr-3389	391	7	.	.	PUNCT
fsr-3389	391	8	/	/	SYM
fsr-3389	391	9	financial	financial	ADJ
fsr-3389	391	10	services	service	NOUN
fsr-3389	391	11	review	review	VERB
fsr-3389	391	12	27	27	NUM
fsr-3389	391	13	(	(	PUNCT
fsr-3389	391	14	2018	2018	NUM
fsr-3389	391	15	)	)	PUNCT
fsr-3389	391	16	147	147	NUM
fsr-3389	391	17	-	-	SYM
fsr-3389	391	18	172	172	NUM
fsr-3389	391	19	6.6	6.6	NUM
fsr-3389	391	20	.	.	PUNCT
fsr-3389	392	1	the	the	DET
fsr-3389	392	2	“	"	PUNCT
fsr-3389	392	3	talk	talk	NOUN
fsr-3389	392	4	”	"	PUNCT
fsr-3389	392	5	as	as	SCONJ
fsr-3389	392	6	discussed	discuss	VERB
fsr-3389	392	7	early	early	ADV
fsr-3389	392	8	on	on	ADV
fsr-3389	392	9	,	,	PUNCT
fsr-3389	392	10	the	the	DET
fsr-3389	392	11	sbp	sbp	NOUN
fsr-3389	392	12	is	be	AUX
fsr-3389	392	13	an	an	DET
fsr-3389	392	14	opt	opt	VERB
fsr-3389	392	15	-	-	PUNCT
fsr-3389	392	16	out	out	ADP
fsr-3389	392	17	program	program	NOUN
fsr-3389	392	18	.	.	PUNCT
fsr-3389	393	1	a	a	DET
fsr-3389	393	2	married	married	ADJ
fsr-3389	393	3	member	member	NOUN
fsr-3389	393	4	who	who	PRON
fsr-3389	393	5	wishes	wish	VERB
fsr-3389	393	6	to	to	PART
fsr-3389	393	7	decline	decline	VERB
fsr-3389	393	8	coverage	coverage	NOUN
fsr-3389	393	9	must	must	AUX
fsr-3389	393	10	get	get	VERB
fsr-3389	393	11	their	their	PRON
fsr-3389	393	12	spouse	spouse	NOUN
fsr-3389	393	13	’s	’s	PART
fsr-3389	393	14	approval	approval	NOUN
fsr-3389	393	15	,	,	PUNCT
fsr-3389	393	16	whereby	whereby	SCONJ
fsr-3389	393	17	the	the	DET
fsr-3389	393	18	spouse	spouse	NOUN
fsr-3389	393	19	recognizes	recognize	VERB
fsr-3389	393	20	this	this	DET
fsr-3389	393	21	decision	decision	NOUN
fsr-3389	393	22	to	to	PART
fsr-3389	393	23	forego	forego	VERB
fsr-3389	393	24	the	the	DET
fsr-3389	393	25	annuity	annuity	NOUN
fsr-3389	393	26	upon	upon	SCONJ
fsr-3389	393	27	the	the	DET
fsr-3389	393	28	member	member	NOUN
fsr-3389	393	29	’s	’s	PART
fsr-3389	393	30	death	death	NOUN
fsr-3389	393	31	.	.	PUNCT
fsr-3389	394	1	anecdotally	anecdotally	ADV
fsr-3389	394	2	,	,	PUNCT
fsr-3389	394	3	we	we	PRON
fsr-3389	394	4	can	can	AUX
fsr-3389	394	5	not	not	PART
fsr-3389	394	6	overstate	overstate	VERB
fsr-3389	394	7	the	the	DET
fsr-3389	394	8	difficulties	difficulty	NOUN
fsr-3389	394	9	associated	associate	VERB
fsr-3389	394	10	with	with	ADP
fsr-3389	394	11	this	this	DET
fsr-3389	394	12	decision	decision	NOUN
fsr-3389	394	13	if	if	SCONJ
fsr-3389	394	14	a	a	DET
fsr-3389	394	15	couple	couple	NOUN
fsr-3389	394	16	has	have	AUX
fsr-3389	394	17	not	not	PART
fsr-3389	394	18	had	have	VERB
fsr-3389	394	19	prior	prior	ADJ
fsr-3389	394	20	conversations	conversation	NOUN
fsr-3389	394	21	about	about	ADP
fsr-3389	394	22	their	their	PRON
fsr-3389	394	23	plans	plan	NOUN
fsr-3389	394	24	.	.	PUNCT
fsr-3389	395	1	as	as	ADP
fsr-3389	395	2	part	part	NOUN
fsr-3389	395	3	of	of	ADP
fsr-3389	395	4	this	this	DET
fsr-3389	395	5	talk	talk	NOUN
fsr-3389	395	6	,	,	PUNCT
fsr-3389	395	7	a	a	DET
fsr-3389	395	8	spouse	spouse	NOUN
fsr-3389	395	9	must	must	AUX
fsr-3389	395	10	recognize	recognize	VERB
fsr-3389	395	11	the	the	DET
fsr-3389	395	12	potential	potential	ADJ
fsr-3389	395	13	implications	implication	NOUN
fsr-3389	395	14	of	of	ADP
fsr-3389	395	15	foregoing	forego	VERB
fsr-3389	395	16	sbp	sbp	NOUN
fsr-3389	395	17	.	.	PUNCT
fsr-3389	396	1	for	for	ADP
fsr-3389	396	2	instance	instance	NOUN
fsr-3389	396	3	,	,	PUNCT
fsr-3389	396	4	if	if	SCONJ
fsr-3389	396	5	a	a	DET
fsr-3389	396	6	couple	couple	NOUN
fsr-3389	396	7	declines	decline	VERB
fsr-3389	396	8	sbp	sbp	NOUN
fsr-3389	396	9	and	and	CCONJ
fsr-3389	396	10	subsequently	subsequently	ADV
fsr-3389	396	11	divorces	divorce	NOUN
fsr-3389	396	12	,	,	PUNCT
fsr-3389	396	13	the	the	DET
fsr-3389	396	14	spouse	spouse	NOUN
fsr-3389	396	15	could	could	AUX
fsr-3389	396	16	lose	lose	VERB
fsr-3389	396	17	control	control	NOUN
fsr-3389	396	18	over	over	ADP
fsr-3389	396	19	the	the	DET
fsr-3389	396	20	insurance	insurance	NOUN
fsr-3389	396	21	and	and	CCONJ
fsr-3389	396	22	investments	investment	NOUN
fsr-3389	396	23	unless	unless	SCONJ
fsr-3389	396	24	they	they	PRON
fsr-3389	396	25	protect	protect	VERB
fsr-3389	396	26	themselves	themselves	PRON
fsr-3389	396	27	carefully	carefully	ADV
fsr-3389	396	28	in	in	ADP
fsr-3389	396	29	the	the	DET
fsr-3389	396	30	divorce	divorce	NOUN
fsr-3389	396	31	proceedings	proceeding	NOUN
fsr-3389	396	32	.	.	PUNCT
fsr-3389	397	1	it	it	PRON
fsr-3389	397	2	is	be	AUX
fsr-3389	397	3	important	important	ADJ
fsr-3389	397	4	the	the	DET
fsr-3389	397	5	spouse	spouse	NOUN
fsr-3389	397	6	recognize	recognize	VERB
fsr-3389	397	7	this	this	DET
fsr-3389	397	8	potential	potential	ADJ
fsr-3389	397	9	liability	liability	NOUN
fsr-3389	397	10	.	.	PUNCT
fsr-3389	398	1	narrowly	narrowly	ADV
fsr-3389	398	2	,	,	PUNCT
fsr-3389	398	3	we	we	PRON
fsr-3389	398	4	recommend	recommend	VERB
fsr-3389	398	5	conversing	converse	VERB
fsr-3389	398	6	with	with	ADP
fsr-3389	398	7	one	one	NUM
fsr-3389	398	8	’s	’s	PART
fsr-3389	398	9	spouse	spouse	NOUN
fsr-3389	398	10	early	early	ADV
fsr-3389	398	11	about	about	ADP
fsr-3389	398	12	the	the	DET
fsr-3389	398	13	sbp	sbp	NOUN
fsr-3389	398	14	decision	decision	NOUN
fsr-3389	398	15	.	.	PUNCT
fsr-3389	399	1	more	more	ADV
fsr-3389	399	2	broadly	broadly	ADV
fsr-3389	399	3	,	,	PUNCT
fsr-3389	399	4	we	we	PRON
fsr-3389	399	5	encourage	encourage	VERB
fsr-3389	399	6	couples	couple	NOUN
fsr-3389	399	7	to	to	PART
fsr-3389	399	8	discuss	discuss	VERB
fsr-3389	399	9	general	general	ADJ
fsr-3389	399	10	financial	financial	ADJ
fsr-3389	399	11	planning	planning	NOUN
fsr-3389	399	12	matters	matter	VERB
fsr-3389	399	13	early	early	ADV
fsr-3389	399	14	and	and	CCONJ
fsr-3389	399	15	often	often	ADV
fsr-3389	399	16	!	!	PUNCT
fsr-3389	400	1	6.7	6.7	NUM
fsr-3389	400	2	.	.	PUNCT
fsr-3389	401	1	investment	investment	NOUN
fsr-3389	401	2	and	and	CCONJ
fsr-3389	401	3	budgetary	budgetary	ADJ
fsr-3389	401	4	discipline	discipline	NOUN
fsr-3389	401	5	discussing	discuss	VERB
fsr-3389	401	6	this	this	DET
fsr-3389	401	7	article	article	NOUN
fsr-3389	401	8	with	with	ADP
fsr-3389	401	9	others	other	NOUN
fsr-3389	401	10	,	,	PUNCT
fsr-3389	401	11	including	include	VERB
fsr-3389	401	12	insurance	insurance	NOUN
fsr-3389	401	13	sales	sale	NOUN
fsr-3389	401	14	representatives	representative	NOUN
fsr-3389	401	15	,	,	PUNCT
fsr-3389	401	16	made	make	VERB
fsr-3389	401	17	us	we	PRON
fsr-3389	401	18	consider	consider	VERB
fsr-3389	401	19	putting	put	VERB
fsr-3389	401	20	this	this	DET
fsr-3389	401	21	item	item	NOUN
fsr-3389	401	22	first	first	ADV
fsr-3389	401	23	on	on	ADP
fsr-3389	401	24	the	the	DET
fsr-3389	401	25	list	list	NOUN
fsr-3389	401	26	.	.	PUNCT
fsr-3389	402	1	as	as	ADP
fsr-3389	402	2	one	one	NUM
fsr-3389	402	3	astute	astute	ADJ
fsr-3389	402	4	reviewer	reviewer	NOUN
fsr-3389	402	5	highlighted	highlight	VERB
fsr-3389	402	6	,	,	PUNCT
fsr-3389	402	7	the	the	DET
fsr-3389	402	8	term	term	NOUN
fsr-3389	402	9	-	-	PUNCT
fsr-3389	402	10	andinvest	andinv	ADJ
fsr-3389	402	11	alternative	alternative	NOUN
fsr-3389	402	12	depicted	depict	VERB
fsr-3389	402	13	here	here	ADV
fsr-3389	402	14	relies	rely	VERB
fsr-3389	402	15	on	on	ADP
fsr-3389	402	16	the	the	DET
fsr-3389	402	17	invest	inv	ADJ
fsr-3389	402	18	component	component	NOUN
fsr-3389	402	19	of	of	ADP
fsr-3389	402	20	the	the	DET
fsr-3389	402	21	strategy	strategy	NOUN
fsr-3389	402	22	,	,	PUNCT
fsr-3389	402	23	particularly	particularly	ADV
fsr-3389	402	24	later	later	ADV
fsr-3389	402	25	on	on	ADV
fsr-3389	402	26	when	when	SCONJ
fsr-3389	402	27	returns	return	NOUN
fsr-3389	402	28	are	be	AUX
fsr-3389	402	29	compounded	compound	VERB
fsr-3389	402	30	over	over	ADP
fsr-3389	402	31	decades	decade	NOUN
fsr-3389	402	32	.	.	PUNCT
fsr-3389	403	1	behaviorally	behaviorally	ADV
fsr-3389	403	2	,	,	PUNCT
fsr-3389	403	3	it	it	PRON
fsr-3389	403	4	takes	take	VERB
fsr-3389	403	5	discipline	discipline	NOUN
fsr-3389	403	6	to	to	PART
fsr-3389	403	7	keep	keep	VERB
fsr-3389	403	8	investing	invest	VERB
fsr-3389	403	9	the	the	DET
fsr-3389	403	10	difference	difference	NOUN
fsr-3389	403	11	versus	versus	ADP
fsr-3389	403	12	enhancing	enhance	VERB
fsr-3389	403	13	one	one	NUM
fsr-3389	403	14	’s	’s	PART
fsr-3389	403	15	quality	quality	NOUN
fsr-3389	403	16	of	of	ADP
fsr-3389	403	17	life	life	NOUN
fsr-3389	403	18	.	.	PUNCT
fsr-3389	404	1	unfortunately	unfortunately	ADV
fsr-3389	404	2	,	,	PUNCT
fsr-3389	404	3	for	for	ADP
fsr-3389	404	4	some	some	DET
fsr-3389	404	5	individuals	individual	NOUN
fsr-3389	404	6	it	it	PRON
fsr-3389	404	7	is	be	AUX
fsr-3389	404	8	very	very	ADV
fsr-3389	404	9	easy	easy	ADJ
fsr-3389	404	10	to	to	PART
fsr-3389	404	11	stop	stop	VERB
fsr-3389	404	12	paying	pay	VERB
fsr-3389	404	13	a	a	DET
fsr-3389	404	14	term	term	NOUN
fsr-3389	404	15	policy	policy	NOUN
fsr-3389	404	16	premium	premium	NOUN
fsr-3389	404	17	or	or	CCONJ
fsr-3389	404	18	stop	stop	VERB
fsr-3389	404	19	investing	invest	VERB
fsr-3389	404	20	the	the	DET
fsr-3389	404	21	difference	difference	NOUN
fsr-3389	404	22	if	if	SCONJ
fsr-3389	404	23	a	a	DET
fsr-3389	404	24	new	new	ADJ
fsr-3389	404	25	car	car	NOUN
fsr-3389	404	26	or	or	CCONJ
fsr-3389	404	27	house	house	NOUN
fsr-3389	404	28	upgrade	upgrade	VERB
fsr-3389	404	29	beckons	beckon	NOUN
fsr-3389	404	30	.	.	PUNCT
fsr-3389	405	1	if	if	SCONJ
fsr-3389	405	2	a	a	DET
fsr-3389	405	3	couple	couple	NOUN
fsr-3389	405	4	is	be	AUX
fsr-3389	405	5	not	not	PART
fsr-3389	405	6	committed	commit	VERB
fsr-3389	405	7	to	to	ADP
fsr-3389	405	8	investing	invest	VERB
fsr-3389	405	9	the	the	DET
fsr-3389	405	10	difference	difference	NOUN
fsr-3389	405	11	,	,	PUNCT
fsr-3389	405	12	then	then	ADV
fsr-3389	405	13	they	they	PRON
fsr-3389	405	14	might	might	AUX
fsr-3389	405	15	consider	consider	VERB
fsr-3389	405	16	sbp	sbp	NOUN
fsr-3389	405	17	more	more	ADV
fsr-3389	405	18	carefully	carefully	ADV
fsr-3389	405	19	.	.	PUNCT
fsr-3389	406	1	despite	despite	SCONJ
fsr-3389	406	2	the	the	DET
fsr-3389	406	3	low	low	ADJ
fsr-3389	406	4	return	return	NOUN
fsr-3389	406	5	(	(	PUNCT
fsr-3389	406	6	i.e.	i.e.	X
fsr-3389	406	7	,	,	PUNCT
fsr-3389	406	8	risk	risk	NOUN
fsr-3389	406	9	-	-	PUNCT
fsr-3389	406	10	free	free	ADJ
fsr-3389	406	11	rate	rate	NOUN
fsr-3389	406	12	)	)	PUNCT
fsr-3389	406	13	assumptions	assumption	NOUN
fsr-3389	406	14	in	in	ADP
fsr-3389	406	15	our	our	PRON
fsr-3389	406	16	scenario	scenario	NOUN
fsr-3389	406	17	,	,	PUNCT
fsr-3389	406	18	the	the	DET
fsr-3389	406	19	investments	investment	NOUN
fsr-3389	406	20	represent	represent	VERB
fsr-3389	406	21	fully	fully	ADV
fsr-3389	406	22	75	75	NUM
fsr-3389	406	23	%	%	NOUN
fsr-3389	406	24	of	of	ADP
fsr-3389	406	25	the	the	DET
fsr-3389	406	26	term	term	NOUN
fsr-3389	406	27	-	-	PUNCT
fsr-3389	406	28	and	and	CCONJ
fsr-3389	406	29	-	-	PUNCT
fsr-3389	406	30	invest	inv	ADJ
fsr-3389	406	31	strategy	strategy	NOUN
fsr-3389	406	32	’s	’s	PART
fsr-3389	406	33	value	value	NOUN
fsr-3389	406	34	.	.	PUNCT
fsr-3389	407	1	thus	thus	ADV
fsr-3389	407	2	,	,	PUNCT
fsr-3389	407	3	a	a	DET
fsr-3389	407	4	term	term	NOUN
fsr-3389	407	5	insurance	insurance	NOUN
fsr-3389	407	6	only	only	ADV
fsr-3389	407	7	strategy	strategy	NOUN
fsr-3389	407	8	underperforms	underperform	NOUN
fsr-3389	407	9	sbp	sbp	NOUN
fsr-3389	407	10	(	(	PUNCT
fsr-3389	407	11	$	$	SYM
fsr-3389	407	12	40,700	40,700	NUM
fsr-3389	407	13	expected	expect	VERB
fsr-3389	407	14	payout	payout	NOUN
fsr-3389	407	15	vs.	vs.	ADP
fsr-3389	407	16	$	$	SYM
fsr-3389	407	17	61,300	61,300	NUM
fsr-3389	407	18	for	for	ADP
fsr-3389	407	19	sbp	sbp	NOUN
fsr-3389	407	20	)	)	PUNCT
fsr-3389	407	21	,	,	PUNCT
fsr-3389	407	22	which	which	PRON
fsr-3389	407	23	is	be	AUX
fsr-3389	407	24	not	not	PART
fsr-3389	407	25	surprising	surprising	ADJ
fsr-3389	407	26	given	give	VERB
fsr-3389	407	27	the	the	DET
fsr-3389	407	28	sbp	sbp	NOUN
fsr-3389	407	29	subsidy	subsidy	NOUN
fsr-3389	407	30	.	.	PUNCT
fsr-3389	408	1	the	the	DET
fsr-3389	408	2	real	real	ADJ
fsr-3389	408	3	surprise	surprise	NOUN
fsr-3389	408	4	is	be	AUX
fsr-3389	408	5	that	that	SCONJ
fsr-3389	408	6	a	a	DET
fsr-3389	408	7	competitively	competitively	ADV
fsr-3389	408	8	priced	price	VERB
fsr-3389	408	9	life	life	NOUN
fsr-3389	408	10	insurance	insurance	NOUN
fsr-3389	408	11	policy	policy	NOUN
fsr-3389	408	12	from	from	ADP
fsr-3389	408	13	a	a	DET
fsr-3389	408	14	reputable	reputable	ADJ
fsr-3389	408	15	insurer	insurer	NOUN
fsr-3389	408	16	competes	compete	VERB
fsr-3389	408	17	quite	quite	ADV
fsr-3389	408	18	well	well	ADV
fsr-3389	408	19	with	with	ADP
fsr-3389	408	20	sbp	sbp	NOUN
fsr-3389	408	21	at	at	ADP
fsr-3389	408	22	this	this	DET
fsr-3389	408	23	time	time	NOUN
fsr-3389	408	24	.	.	PUNCT
fsr-3389	409	1	furthermore	furthermore	ADV
fsr-3389	409	2	,	,	PUNCT
fsr-3389	409	3	if	if	SCONJ
fsr-3389	409	4	allowed	allow	VERB
fsr-3389	409	5	to	to	PART
fsr-3389	409	6	deviate	deviate	VERB
fsr-3389	409	7	from	from	ADP
fsr-3389	409	8	risk	risk	NOUN
fsr-3389	409	9	-	-	PUNCT
fsr-3389	409	10	equivalent	equivalent	ADJ
fsr-3389	409	11	returns	return	NOUN
fsr-3389	409	12	,	,	PUNCT
fsr-3389	409	13	a	a	DET
fsr-3389	409	14	broad	broad	ADJ
fsr-3389	409	15	market	market	NOUN
fsr-3389	409	16	portfolio	portfolio	NOUN
fsr-3389	409	17	of	of	ADP
fsr-3389	409	18	investments	investment	NOUN
fsr-3389	409	19	will	will	AUX
fsr-3389	409	20	perform	perform	VERB
fsr-3389	409	21	much	much	ADV
fsr-3389	409	22	better	well	ADV
fsr-3389	409	23	over	over	ADP
fsr-3389	409	24	decades	decade	NOUN
fsr-3389	409	25	than	than	SCONJ
fsr-3389	409	26	shown	show	VERB
fsr-3389	409	27	in	in	ADP
fsr-3389	409	28	our	our	PRON
fsr-3389	409	29	analysis	analysis	NOUN
fsr-3389	409	30	.	.	PUNCT
fsr-3389	410	1	additionally	additionally	ADV
fsr-3389	410	2	,	,	PUNCT
fsr-3389	410	3	a	a	DET
fsr-3389	410	4	beneficiary	beneficiary	NOUN
fsr-3389	410	5	of	of	ADP
fsr-3389	410	6	a	a	DET
fsr-3389	410	7	lump	lump	NOUN
fsr-3389	410	8	-	-	PUNCT
fsr-3389	410	9	sum	sum	NOUN
fsr-3389	410	10	insurance	insurance	NOUN
fsr-3389	410	11	payout	payout	NOUN
fsr-3389	410	12	requires	require	VERB
fsr-3389	410	13	budgetary	budgetary	ADJ
fsr-3389	410	14	discipline	discipline	NOUN
fsr-3389	410	15	to	to	PART
fsr-3389	410	16	ensure	ensure	VERB
fsr-3389	410	17	the	the	DET
fsr-3389	410	18	funds	fund	NOUN
fsr-3389	410	19	last	last	ADJ
fsr-3389	410	20	as	as	SCONJ
fsr-3389	410	21	if	if	SCONJ
fsr-3389	410	22	they	they	PRON
fsr-3389	410	23	were	be	AUX
fsr-3389	410	24	an	an	DET
fsr-3389	410	25	annuity	annuity	NOUN
fsr-3389	410	26	.	.	PUNCT
fsr-3389	411	1	financial	financial	ADJ
fsr-3389	411	2	advisors	advisor	NOUN
fsr-3389	411	3	can	can	AUX
fsr-3389	411	4	assist	assist	VERB
fsr-3389	411	5	with	with	ADP
fsr-3389	411	6	this	this	DET
fsr-3389	411	7	discipline	discipline	NOUN
fsr-3389	411	8	aspect	aspect	NOUN
fsr-3389	411	9	.	.	PUNCT
fsr-3389	411	10	.	.	PUNCT
fsr-3389	411	11	.	.	PUNCT
fsr-3389	412	1	again	again	ADV
fsr-3389	412	2	,	,	PUNCT
fsr-3389	412	3	see	see	VERB
fsr-3389	412	4	the	the	DET
fsr-3389	412	5	first	first	ADJ
fsr-3389	412	6	recommendation	recommendation	NOUN
fsr-3389	412	7	.	.	PUNCT
fsr-3389	413	1	6.8	6.8	NUM
fsr-3389	413	2	.	.	PUNCT
fsr-3389	413	3	assumptions	assumption	NOUN
fsr-3389	413	4	we	we	PRON
fsr-3389	413	5	make	make	VERB
fsr-3389	413	6	known	know	VERB
fsr-3389	413	7	our	our	PRON
fsr-3389	413	8	assumptions	assumption	NOUN
fsr-3389	413	9	about	about	ADP
fsr-3389	413	10	our	our	PRON
fsr-3389	413	11	scenario	scenario	NOUN
fsr-3389	413	12	,	,	PUNCT
fsr-3389	413	13	interest	interest	NOUN
fsr-3389	413	14	rates	rate	NOUN
fsr-3389	413	15	,	,	PUNCT
fsr-3389	413	16	and	and	CCONJ
fsr-3389	413	17	inflation	inflation	NOUN
fsr-3389	413	18	.	.	PUNCT
fsr-3389	414	1	however	however	ADV
fsr-3389	414	2	,	,	PUNCT
fsr-3389	414	3	we	we	PRON
fsr-3389	414	4	must	must	AUX
fsr-3389	414	5	add	add	VERB
fsr-3389	414	6	this	this	DET
fsr-3389	414	7	item	item	NOUN
fsr-3389	414	8	for	for	ADP
fsr-3389	414	9	completeness	completeness	NOUN
fsr-3389	414	10	.	.	PUNCT
fsr-3389	415	1	of	of	ADP
fsr-3389	415	2	course	course	NOUN
fsr-3389	415	3	,	,	PUNCT
fsr-3389	415	4	the	the	DET
fsr-3389	415	5	outcomes	outcome	NOUN
fsr-3389	415	6	are	be	AUX
fsr-3389	415	7	sensitive	sensitive	ADJ
fsr-3389	415	8	to	to	ADP
fsr-3389	415	9	these	these	DET
fsr-3389	415	10	assumptions	assumption	NOUN
fsr-3389	415	11	.	.	PUNCT
fsr-3389	416	1	caveated	caveate	VERB
fsr-3389	416	2	sufficiently	sufficiently	ADV
fsr-3389	416	3	,	,	PUNCT
fsr-3389	416	4	we	we	PRON
fsr-3389	416	5	do	do	AUX
fsr-3389	416	6	stress	stress	VERB
fsr-3389	416	7	that	that	SCONJ
fsr-3389	416	8	the	the	DET
fsr-3389	416	9	essence	essence	NOUN
fsr-3389	416	10	of	of	ADP
fsr-3389	416	11	our	our	PRON
fsr-3389	416	12	recommendations	recommendation	NOUN
fsr-3389	416	13	are	be	AUX
fsr-3389	416	14	not	not	PART
fsr-3389	416	15	highly	highly	ADV
fsr-3389	416	16	sensitive	sensitive	ADJ
fsr-3389	416	17	to	to	ADP
fsr-3389	416	18	changes	change	NOUN
fsr-3389	416	19	in	in	ADP
fsr-3389	416	20	these	these	DET
fsr-3389	416	21	assumptions	assumption	NOUN
fsr-3389	416	22	.	.	PUNCT
fsr-3389	417	1	165w.w	165w.w	NUM
fsr-3389	417	2	.	.	PUNCT
fsr-3389	417	3	jennings	jennings	PROPN
fsr-3389	417	4	et	et	PROPN
fsr-3389	417	5	al	al	PROPN
fsr-3389	417	6	.	.	PUNCT
fsr-3389	417	7	/	/	SYM
fsr-3389	417	8	financial	financial	ADJ
fsr-3389	417	9	services	service	NOUN
fsr-3389	417	10	review	review	VERB
fsr-3389	417	11	27	27	NUM
fsr-3389	417	12	(	(	PUNCT
fsr-3389	417	13	2018	2018	NUM
fsr-3389	417	14	)	)	PUNCT
fsr-3389	417	15	147	147	NUM
fsr-3389	417	16	-	-	SYM
fsr-3389	417	17	172	172	NUM
fsr-3389	417	18	6.9	6.9	NUM
fsr-3389	417	19	.	.	PUNCT
fsr-3389	418	1	marital	marital	ADJ
fsr-3389	418	2	status	status	NOUN
fsr-3389	418	3	the	the	DET
fsr-3389	418	4	younger	young	ADJ
fsr-3389	418	5	a	a	DET
fsr-3389	418	6	widow(er	widow(er	NOUN
fsr-3389	418	7	)	)	PUNCT
fsr-3389	418	8	,	,	PUNCT
fsr-3389	418	9	the	the	PRON
fsr-3389	418	10	more	more	ADV
fsr-3389	418	11	likely	likely	ADJ
fsr-3389	418	12	he	he	PRON
fsr-3389	418	13	or	or	CCONJ
fsr-3389	418	14	she	she	PRON
fsr-3389	418	15	is	be	AUX
fsr-3389	418	16	to	to	PART
fsr-3389	418	17	remarry	remarry	VERB
fsr-3389	418	18	.	.	PUNCT
fsr-3389	419	1	fig	fig	NOUN
fsr-3389	419	2	.	.	PUNCT
fsr-3389	420	1	7	7	NUM
fsr-3389	420	2	shows	show	VERB
fsr-3389	420	3	these	these	DET
fsr-3389	420	4	probabilities	probability	NOUN
fsr-3389	420	5	.	.	PUNCT
fsr-3389	421	1	if	if	SCONJ
fsr-3389	421	2	an	an	DET
fsr-3389	421	3	sbp	sbp	NOUN
fsr-3389	421	4	recipient	recipient	NOUN
fsr-3389	421	5	widow(er	widow(er	NOUN
fsr-3389	421	6	)	)	PUNCT
fsr-3389	421	7	remarries	remarry	VERB
fsr-3389	421	8	before	before	ADP
fsr-3389	421	9	age	age	NOUN
fsr-3389	421	10	55	55	NUM
fsr-3389	421	11	,	,	PUNCT
fsr-3389	421	12	then	then	ADV
fsr-3389	421	13	the	the	DET
fsr-3389	421	14	sbp	sbp	PROPN
fsr-3389	421	15	benefit	benefit	NOUN
fsr-3389	421	16	disappears	disappear	VERB
fsr-3389	421	17	.	.	PUNCT
fsr-3389	422	1	consequently	consequently	ADV
fsr-3389	422	2	,	,	PUNCT
fsr-3389	422	3	if	if	SCONJ
fsr-3389	422	4	we	we	PRON
fsr-3389	422	5	added	add	VERB
fsr-3389	422	6	these	these	DET
fsr-3389	422	7	probabilities	probability	NOUN
fsr-3389	422	8	of	of	ADP
fsr-3389	422	9	remarriage	remarriage	NOUN
fsr-3389	422	10	into	into	ADP
fsr-3389	422	11	this	this	DET
fsr-3389	422	12	analysis	analysis	NOUN
fsr-3389	422	13	,	,	PUNCT
fsr-3389	422	14	the	the	DET
fsr-3389	422	15	expected	expect	VERB
fsr-3389	422	16	payouts	payout	NOUN
fsr-3389	422	17	to	to	ADP
fsr-3389	422	18	the	the	DET
fsr-3389	422	19	winners	winner	NOUN
fsr-3389	422	20	(	(	PUNCT
fsr-3389	422	21	i.e.	i.e.	X
fsr-3389	422	22	,	,	PUNCT
fsr-3389	422	23	the	the	DET
fsr-3389	422	24	long	long	ADV
fsr-3389	422	25	-	-	PUNCT
fsr-3389	422	26	lived	live	VERB
fsr-3389	422	27	spouse	spouse	NOUN
fsr-3389	422	28	whose	whose	DET
fsr-3389	422	29	sbp	sbp	NOUN
fsr-3389	422	30	-	-	PUNCT
fsr-3389	422	31	insured	insure	VERB
fsr-3389	422	32	spouse	spouse	NOUN
fsr-3389	422	33	died	die	VERB
fsr-3389	422	34	young	young	ADJ
fsr-3389	422	35	)	)	PUNCT
fsr-3389	422	36	would	would	AUX
fsr-3389	422	37	decrease	decrease	VERB
fsr-3389	422	38	.	.	PUNCT
fsr-3389	423	1	adding	add	VERB
fsr-3389	423	2	this	this	DET
fsr-3389	423	3	caveat	caveat	NOUN
fsr-3389	423	4	would	would	AUX
fsr-3389	423	5	on	on	ADP
fsr-3389	423	6	-	-	PUNCT
fsr-3389	423	7	balance	balance	NOUN
fsr-3389	423	8	,	,	PUNCT
fsr-3389	423	9	enhance	enhance	VERB
fsr-3389	423	10	the	the	DET
fsr-3389	423	11	appeal	appeal	NOUN
fsr-3389	423	12	of	of	ADP
fsr-3389	423	13	the	the	DET
fsr-3389	423	14	term	term	NOUN
fsr-3389	423	15	-	-	PUNCT
fsr-3389	423	16	and	and	CCONJ
fsr-3389	423	17	-	-	PUNCT
fsr-3389	423	18	invest	invest	VERB
fsr-3389	423	19	strategy	strategy	NOUN
fsr-3389	423	20	relative	relative	ADJ
fsr-3389	423	21	to	to	ADP
fsr-3389	423	22	sbp	sbp	NOUN
fsr-3389	423	23	.	.	PUNCT
fsr-3389	424	1	for	for	ADP
fsr-3389	424	2	divorced	divorced	ADJ
fsr-3389	424	3	retirees	retiree	NOUN
fsr-3389	424	4	,	,	PUNCT
fsr-3389	424	5	higdon	higdon	PROPN
fsr-3389	424	6	(	(	PUNCT
fsr-3389	424	7	2009	2009	NUM
fsr-3389	424	8	)	)	PUNCT
fsr-3389	424	9	outlines	outline	VERB
fsr-3389	424	10	multiple	multiple	ADJ
fsr-3389	424	11	family	family	NOUN
fsr-3389	424	12	law	law	NOUN
fsr-3389	424	13	cases	case	NOUN
fsr-3389	424	14	involving	involve	VERB
fsr-3389	424	15	sbp	sbp	NOUN
fsr-3389	424	16	.	.	PUNCT
fsr-3389	425	1	another	another	DET
fsr-3389	425	2	application	application	NOUN
fsr-3389	425	3	of	of	ADP
fsr-3389	425	4	this	this	DET
fsr-3389	425	5	analysis	analysis	NOUN
fsr-3389	425	6	results	result	NOUN
fsr-3389	425	7	from	from	ADP
fsr-3389	425	8	these	these	DET
fsr-3389	425	9	legal	legal	ADJ
fsr-3389	425	10	situations	situation	NOUN
fsr-3389	425	11	:	:	PUNCT
fsr-3389	425	12	divorced	divorce	VERB
fsr-3389	425	13	service	service	NOUN
fsr-3389	425	14	members	member	NOUN
fsr-3389	425	15	might	might	AUX
fsr-3389	425	16	find	find	VERB
fsr-3389	425	17	a	a	DET
fsr-3389	425	18	level	level	ADJ
fsr-3389	425	19	-	-	PUNCT
fsr-3389	425	20	term	term	NOUN
fsr-3389	425	21	life	life	NOUN
fsr-3389	425	22	insurance	insurance	NOUN
fsr-3389	425	23	policy	policy	NOUN
fsr-3389	425	24	a	a	PRON
fsr-3389	425	25	more	more	ADV
fsr-3389	425	26	financially	financially	ADV
fsr-3389	425	27	appealing	appealing	ADJ
fsr-3389	425	28	way	way	NOUN
fsr-3389	425	29	to	to	PART
fsr-3389	425	30	provide	provide	VERB
fsr-3389	425	31	for	for	ADP
fsr-3389	425	32	their	their	PRON
fsr-3389	425	33	ex	ex	NOUN
fsr-3389	425	34	-	-	NOUN
fsr-3389	425	35	spouse	spouse	NOUN
fsr-3389	425	36	’s	’s	PART
fsr-3389	425	37	insurable	insurable	ADJ
fsr-3389	425	38	interest	interest	NOUN
fsr-3389	425	39	in	in	ADP
fsr-3389	425	40	the	the	DET
fsr-3389	425	41	service	service	NOUN
fsr-3389	425	42	member	member	NOUN
fsr-3389	425	43	’s	’s	PART
fsr-3389	425	44	retirement	retirement	NOUN
fsr-3389	425	45	pay	pay	NOUN
fsr-3389	425	46	.	.	PUNCT
fsr-3389	426	1	6.10	6.10	NUM
fsr-3389	426	2	.	.	PUNCT
fsr-3389	426	3	credit	credit	NOUN
fsr-3389	426	4	quality	quality	NOUN
fsr-3389	426	5	(	(	PUNCT
fsr-3389	426	6	both	both	DET
fsr-3389	426	7	ways	way	NOUN
fsr-3389	426	8	)	)	PUNCT
fsr-3389	426	9	directly	directly	ADV
fsr-3389	426	10	comparing	compare	VERB
fsr-3389	426	11	our	our	PRON
fsr-3389	426	12	term	term	NOUN
fsr-3389	426	13	-	-	PUNCT
fsr-3389	426	14	and	and	CCONJ
fsr-3389	426	15	-	-	PUNCT
fsr-3389	426	16	invest	invest	VERB
fsr-3389	426	17	strategy	strategy	NOUN
fsr-3389	426	18	with	with	ADP
fsr-3389	426	19	sbp	sbp	PROPN
fsr-3389	426	20	assumes	assume	VERB
fsr-3389	426	21	the	the	DET
fsr-3389	426	22	private	private	ADJ
fsr-3389	426	23	insurer	insurer	NOUN
fsr-3389	426	24	has	have	VERB
fsr-3389	426	25	credit	credit	NOUN
fsr-3389	426	26	quality	quality	NOUN
fsr-3389	426	27	equal	equal	ADJ
fsr-3389	426	28	to	to	ADP
fsr-3389	426	29	the	the	DET
fsr-3389	426	30	u.s	u.s	PROPN
fsr-3389	426	31	.	.	PROPN
fsr-3389	426	32	government	government	NOUN
fsr-3389	426	33	.	.	PUNCT
fsr-3389	427	1	we	we	PRON
fsr-3389	427	2	could	could	AUX
fsr-3389	427	3	avoid	avoid	VERB
fsr-3389	427	4	this	this	DET
fsr-3389	427	5	assumption	assumption	NOUN
fsr-3389	427	6	by	by	ADP
fsr-3389	427	7	adjusting	adjust	VERB
fsr-3389	427	8	the	the	DET
fsr-3389	427	9	insurance	insurance	NOUN
fsr-3389	427	10	payouts	payout	NOUN
fsr-3389	427	11	with	with	ADP
fsr-3389	427	12	a	a	DET
fsr-3389	427	13	discount	discount	NOUN
fsr-3389	427	14	rate	rate	NOUN
fsr-3389	427	15	reflecting	reflect	VERB
fsr-3389	427	16	this	this	DET
fsr-3389	427	17	risk	risk	NOUN
fsr-3389	427	18	.	.	PUNCT
fsr-3389	428	1	we	we	PRON
fsr-3389	428	2	have	have	AUX
fsr-3389	428	3	chosen	choose	VERB
fsr-3389	428	4	not	not	PART
fsr-3389	428	5	to	to	PART
fsr-3389	428	6	do	do	VERB
fsr-3389	428	7	so	so	ADV
fsr-3389	428	8	at	at	ADP
fsr-3389	428	9	this	this	DET
fsr-3389	428	10	time	time	NOUN
fsr-3389	428	11	because	because	SCONJ
fsr-3389	428	12	(	(	PUNCT
fsr-3389	428	13	1	1	X
fsr-3389	428	14	)	)	PUNCT
fsr-3389	428	15	the	the	DET
fsr-3389	428	16	private	private	ADJ
fsr-3389	428	17	insurers	insurer	NOUN
fsr-3389	428	18	we	we	PRON
fsr-3389	428	19	quote	quote	AUX
fsr-3389	428	20	have	have	VERB
fsr-3389	428	21	top	top	ADJ
fsr-3389	428	22	ratings	rating	NOUN
fsr-3389	428	23	and	and	CCONJ
fsr-3389	428	24	(	(	PUNCT
fsr-3389	428	25	2	2	X
fsr-3389	428	26	)	)	PUNCT
fsr-3389	428	27	we	we	PRON
fsr-3389	428	28	do	do	AUX
fsr-3389	428	29	not	not	PART
fsr-3389	428	30	think	think	VERB
fsr-3389	428	31	using	use	VERB
fsr-3389	428	32	such	such	DET
fsr-3389	428	33	a	a	DET
fsr-3389	428	34	discount	discount	NOUN
fsr-3389	428	35	rate	rate	NOUN
fsr-3389	428	36	would	would	AUX
fsr-3389	428	37	necessarily	necessarily	ADV
fsr-3389	428	38	obviate	obviate	VERB
fsr-3389	428	39	any	any	DET
fsr-3389	428	40	related	related	ADJ
fsr-3389	428	41	criticism	criticism	NOUN
fsr-3389	428	42	.	.	PUNCT
fsr-3389	429	1	6.11	6.11	NUM
fsr-3389	429	2	.	.	PUNCT
fsr-3389	429	3	female	female	ADJ
fsr-3389	429	4	military	military	ADJ
fsr-3389	429	5	member	member	NOUN
fsr-3389	429	6	for	for	ADP
fsr-3389	429	7	brevity	brevity	NOUN
fsr-3389	429	8	,	,	PUNCT
fsr-3389	429	9	this	this	DET
fsr-3389	429	10	article	article	NOUN
fsr-3389	429	11	focused	focus	VERB
fsr-3389	429	12	on	on	ADP
fsr-3389	429	13	the	the	DET
fsr-3389	429	14	most	most	ADV
fsr-3389	429	15	common	common	ADJ
fsr-3389	429	16	member	member	NOUN
fsr-3389	429	17	-	-	PUNCT
fsr-3389	429	18	spouse	spouse	NOUN
fsr-3389	429	19	gender	gender	NOUN
fsr-3389	429	20	scenario	scenario	NOUN
fsr-3389	429	21	;	;	PUNCT
fsr-3389	429	22	clearly	clearly	ADV
fsr-3389	429	23	others	other	NOUN
fsr-3389	429	24	exist	exist	VERB
fsr-3389	429	25	.	.	PUNCT
fsr-3389	430	1	obtaining	obtain	VERB
fsr-3389	430	2	by	by	ADP
fsr-3389	430	3	-	-	PUNCT
fsr-3389	430	4	gender	gender	NOUN
fsr-3389	430	5	mortality	mortality	NOUN
fsr-3389	430	6	data	datum	NOUN
fsr-3389	430	7	from	from	ADP
fsr-3389	430	8	the	the	DET
fsr-3389	430	9	dod	dod	PROPN
fsr-3389	430	10	actuary	actuary	NOUN
fsr-3389	430	11	would	would	AUX
fsr-3389	430	12	facilitate	facilitate	VERB
fsr-3389	430	13	this	this	DET
fsr-3389	430	14	relevant	relevant	ADJ
fsr-3389	430	15	analysis	analysis	NOUN
fsr-3389	430	16	.	.	PUNCT
fsr-3389	431	1	given	give	VERB
fsr-3389	431	2	the	the	DET
fsr-3389	431	3	relative	relative	ADJ
fsr-3389	431	4	longevity	longevity	NOUN
fsr-3389	431	5	of	of	ADP
fsr-3389	431	6	military	military	ADJ
fsr-3389	431	7	members	member	NOUN
fsr-3389	431	8	versus	versus	ADP
fsr-3389	431	9	their	their	PRON
fsr-3389	431	10	spouses	spouse	NOUN
fsr-3389	431	11	along	along	ADP
fsr-3389	431	12	with	with	ADP
fsr-3389	431	13	the	the	DET
fsr-3389	431	14	typical	typical	ADJ
fsr-3389	431	15	male	male	ADJ
fsr-3389	431	16	-	-	PUNCT
fsr-3389	431	17	female	female	ADJ
fsr-3389	431	18	age	age	NOUN
fsr-3389	431	19	differences	difference	NOUN
fsr-3389	431	20	in	in	ADP
fsr-3389	431	21	marriage	marriage	NOUN
fsr-3389	431	22	we	we	PRON
fsr-3389	431	23	suspect	suspect	VERB
fsr-3389	431	24	that	that	SCONJ
fsr-3389	431	25	our	our	PRON
fsr-3389	431	26	term	term	NOUN
fsr-3389	431	27	-	-	PUNCT
fsr-3389	431	28	and	and	CCONJ
fsr-3389	431	29	-	-	PUNCT
fsr-3389	431	30	invest	inv	ADJ
fsr-3389	431	31	strategy	strategy	NOUN
fsr-3389	431	32	dominates	dominate	VERB
fsr-3389	431	33	sbp	sbp	NOUN
fsr-3389	431	34	in	in	ADP
fsr-3389	431	35	many	many	ADJ
fsr-3389	431	36	female	female	ADJ
fsr-3389	431	37	military	military	ADJ
fsr-3389	431	38	member	member	NOUN
fsr-3389	431	39	cases	case	NOUN
fsr-3389	431	40	.	.	PUNCT
fsr-3389	432	1	fig	fig	NOUN
fsr-3389	432	2	.	.	PUNCT
fsr-3389	433	1	7	7	X
fsr-3389	433	2	.	.	X
fsr-3389	433	3	probability	probability	NOUN
fsr-3389	433	4	of	of	ADP
fsr-3389	433	5	a	a	DET
fsr-3389	433	6	widowed	widow	VERB
fsr-3389	433	7	spouse	spouse	NOUN
fsr-3389	433	8	remarriage	remarriage	NOUN
fsr-3389	433	9	.	.	PUNCT
fsr-3389	434	1	this	this	DET
fsr-3389	434	2	plot	plot	NOUN
fsr-3389	434	3	shows	show	VERB
fsr-3389	434	4	the	the	DET
fsr-3389	434	5	probability	probability	NOUN
fsr-3389	434	6	of	of	ADP
fsr-3389	434	7	a	a	DET
fsr-3389	434	8	widowed	widow	VERB
fsr-3389	434	9	military	military	ADJ
fsr-3389	434	10	spouse	spouse	NOUN
fsr-3389	434	11	remarrying	remarry	VERB
fsr-3389	434	12	at	at	ADP
fsr-3389	434	13	a	a	DET
fsr-3389	434	14	given	give	VERB
fsr-3389	434	15	age	age	NOUN
fsr-3389	434	16	conditional	conditional	ADJ
fsr-3389	434	17	upon	upon	SCONJ
fsr-3389	434	18	the	the	DET
fsr-3389	434	19	age	age	NOUN
fsr-3389	434	20	at	at	ADP
fsr-3389	434	21	which	which	PRON
fsr-3389	434	22	they	they	PRON
fsr-3389	434	23	were	be	AUX
fsr-3389	434	24	widowed	widow	VERB
fsr-3389	434	25	(	(	PUNCT
fsr-3389	434	26	i.e.	i.e.	X
fsr-3389	434	27	,	,	PUNCT
fsr-3389	434	28	35-	35-	PROPN
fsr-3389	434	29	,	,	PUNCT
fsr-3389	434	30	38-	38-	NUM
fsr-3389	434	31	,	,	PUNCT
fsr-3389	434	32	or	or	CCONJ
fsr-3389	434	33	41	41	NUM
fsr-3389	434	34	-	-	PUNCT
fsr-3389	434	35	years	year	NOUN
fsr-3389	434	36	-	-	PUNCT
fsr-3389	434	37	old	old	ADJ
fsr-3389	434	38	)	)	PUNCT
fsr-3389	434	39	.	.	PUNCT
fsr-3389	435	1	if	if	SCONJ
fsr-3389	435	2	remarrying	remarry	VERB
fsr-3389	435	3	before	before	ADP
fsr-3389	435	4	age	age	NOUN
fsr-3389	435	5	55	55	NUM
fsr-3389	435	6	,	,	PUNCT
fsr-3389	435	7	a	a	DET
fsr-3389	435	8	widowed	widow	VERB
fsr-3389	435	9	spouse	spouse	NOUN
fsr-3389	435	10	foregoes	forego	VERB
fsr-3389	435	11	future	future	ADJ
fsr-3389	435	12	survivor	survivor	NOUN
fsr-3389	435	13	benefit	benefit	NOUN
fsr-3389	435	14	plan	plan	NOUN
fsr-3389	435	15	(	(	PUNCT
fsr-3389	435	16	sbp	sbp	NOUN
fsr-3389	435	17	)	)	PUNCT
fsr-3389	435	18	benefits	benefit	NOUN
fsr-3389	435	19	.	.	PUNCT
fsr-3389	436	1	166	166	NUM
fsr-3389	436	2	w.w	w.w	PROPN
fsr-3389	436	3	.	.	PROPN
fsr-3389	436	4	jennings	jennings	PROPN
fsr-3389	436	5	et	et	PROPN
fsr-3389	436	6	al	al	PROPN
fsr-3389	436	7	.	.	PUNCT
fsr-3389	436	8	/	/	SYM
fsr-3389	436	9	financial	financial	ADJ
fsr-3389	436	10	services	service	NOUN
fsr-3389	436	11	review	review	VERB
fsr-3389	436	12	27	27	NUM
fsr-3389	436	13	(	(	PUNCT
fsr-3389	436	14	2018	2018	NUM
fsr-3389	436	15	)	)	PUNCT
fsr-3389	436	16	147	147	NUM
fsr-3389	436	17	-	-	SYM
fsr-3389	436	18	172	172	NUM
fsr-3389	436	19	6.12	6.12	NUM
fsr-3389	436	20	.	.	PUNCT
fsr-3389	437	1	death	death	NOUN
fsr-3389	437	2	indemnity	indemnity	NOUN
fsr-3389	437	3	compensation	compensation	PROPN
fsr-3389	437	4	(	(	PUNCT
fsr-3389	437	5	dic	dic	ADJ
fsr-3389	437	6	)	)	PUNCT
fsr-3389	437	7	offset	offset	NOUN
fsr-3389	437	8	and	and	CCONJ
fsr-3389	437	9	servicemembers	servicemember	NOUN
fsr-3389	437	10	group	group	NOUN
fsr-3389	437	11	life	life	NOUN
fsr-3389	437	12	insurance	insurance	NOUN
fsr-3389	437	13	(	(	PUNCT
fsr-3389	437	14	sgli	sgli	NOUN
fsr-3389	437	15	)	)	PUNCT
fsr-3389	437	16	currently	currently	ADV
fsr-3389	437	17	,	,	PUNCT
fsr-3389	437	18	the	the	DET
fsr-3389	437	19	government	government	NOUN
fsr-3389	437	20	’s	’s	PART
fsr-3389	437	21	death	death	NOUN
fsr-3389	437	22	indemnity	indemnity	NOUN
fsr-3389	437	23	compensation	compensation	NOUN
fsr-3389	437	24	program	program	NOUN
fsr-3389	437	25	compensates	compensate	VERB
fsr-3389	437	26	beneficiaries	beneficiary	NOUN
fsr-3389	437	27	of	of	ADP
fsr-3389	437	28	military	military	ADJ
fsr-3389	437	29	members	member	NOUN
fsr-3389	437	30	who	who	PRON
fsr-3389	437	31	die	die	VERB
fsr-3389	437	32	while	while	SCONJ
fsr-3389	437	33	on	on	ADP
fsr-3389	437	34	active	active	ADJ
fsr-3389	437	35	duty	duty	NOUN
fsr-3389	437	36	or	or	CCONJ
fsr-3389	437	37	from	from	ADP
fsr-3389	437	38	a	a	DET
fsr-3389	437	39	disability	disability	NOUN
fsr-3389	437	40	compensable	compensable	ADJ
fsr-3389	437	41	under	under	ADP
fsr-3389	437	42	veterans	veterans	PROPN
fsr-3389	437	43	administration	administration	NOUN
fsr-3389	437	44	laws	law	NOUN
fsr-3389	437	45	.	.	PUNCT
fsr-3389	438	1	this	this	DET
fsr-3389	438	2	dic	dic	PROPN
fsr-3389	438	3	currently	currently	ADV
fsr-3389	438	4	offsets	offset	VERB
fsr-3389	438	5	spousal	spousal	PROPN
fsr-3389	438	6	sbp	sbp	PROPN
fsr-3389	438	7	payments	payment	NOUN
fsr-3389	438	8	dollar	dollar	NOUN
fsr-3389	438	9	-	-	PUNCT
fsr-3389	438	10	for	for	ADP
fsr-3389	438	11	-	-	PUNCT
fsr-3389	438	12	dollar	dollar	NOUN
fsr-3389	438	13	such	such	ADJ
fsr-3389	438	14	that	that	PRON
fsr-3389	438	15	in	in	ADP
fsr-3389	438	16	the	the	DET
fsr-3389	438	17	aggregate	aggregate	ADJ
fsr-3389	438	18	beneficiaries	beneficiary	NOUN
fsr-3389	438	19	receive	receive	VERB
fsr-3389	438	20	up	up	ADP
fsr-3389	438	21	to	to	ADP
fsr-3389	438	22	the	the	DET
fsr-3389	438	23	maximum	maximum	NOUN
fsr-3389	438	24	of	of	ADP
fsr-3389	438	25	either	either	CCONJ
fsr-3389	438	26	dic	dic	PROPN
fsr-3389	438	27	or	or	CCONJ
fsr-3389	438	28	sbp	sbp	NOUN
fsr-3389	438	29	benefits	benefit	NOUN
fsr-3389	438	30	.	.	PUNCT
fsr-3389	439	1	we	we	PRON
fsr-3389	439	2	have	have	AUX
fsr-3389	439	3	excluded	exclude	VERB
fsr-3389	439	4	this	this	DET
fsr-3389	439	5	dic	dic	ADJ
fsr-3389	439	6	offset	offset	NOUN
fsr-3389	439	7	impact	impact	NOUN
fsr-3389	439	8	in	in	ADP
fsr-3389	439	9	our	our	PRON
fsr-3389	439	10	analysis	analysis	NOUN
fsr-3389	439	11	.	.	PUNCT
fsr-3389	440	1	however	however	ADV
fsr-3389	440	2	,	,	PUNCT
fsr-3389	440	3	if	if	SCONJ
fsr-3389	440	4	we	we	PRON
fsr-3389	440	5	included	include	VERB
fsr-3389	440	6	it	it	PRON
fsr-3389	440	7	,	,	PUNCT
fsr-3389	440	8	sbp	sbp	PROPN
fsr-3389	440	9	becomes	become	VERB
fsr-3389	440	10	even	even	ADV
fsr-3389	440	11	less	less	ADV
fsr-3389	440	12	appealing	appealing	ADJ
fsr-3389	440	13	than	than	SCONJ
fsr-3389	440	14	we	we	PRON
fsr-3389	440	15	portray	portray	VERB
fsr-3389	440	16	here	here	ADV
fsr-3389	440	17	,	,	PUNCT
fsr-3389	440	18	as	as	SCONJ
fsr-3389	440	19	it	it	PRON
fsr-3389	440	20	is	be	AUX
fsr-3389	440	21	theoretically	theoretically	ADV
fsr-3389	440	22	possible	possible	ADJ
fsr-3389	440	23	to	to	PART
fsr-3389	440	24	pay	pay	VERB
fsr-3389	440	25	sbp	sbp	NOUN
fsr-3389	440	26	premiums	premium	NOUN
fsr-3389	440	27	but	but	CCONJ
fsr-3389	440	28	never	never	ADV
fsr-3389	440	29	receive	receive	VERB
fsr-3389	440	30	an	an	DET
fsr-3389	440	31	sbp	sbp	NOUN
fsr-3389	440	32	benefit	benefit	NOUN
fsr-3389	440	33	if	if	SCONJ
fsr-3389	440	34	the	the	DET
fsr-3389	440	35	dic	dic	ADJ
fsr-3389	440	36	maximum	maximum	ADJ
fsr-3389	440	37	payment	payment	NOUN
fsr-3389	440	38	subsumes	subsume	VERB
fsr-3389	440	39	the	the	DET
fsr-3389	440	40	sbp	sbp	NOUN
fsr-3389	440	41	benefits	benefit	NOUN
fsr-3389	440	42	.	.	PUNCT
fsr-3389	441	1	recent	recent	ADJ
fsr-3389	441	2	military	military	ADJ
fsr-3389	441	3	compensation	compensation	NOUN
fsr-3389	441	4	reform	reform	NOUN
fsr-3389	441	5	proposals	proposal	NOUN
fsr-3389	441	6	recommend	recommend	VERB
fsr-3389	441	7	allowing	allow	VERB
fsr-3389	441	8	retirees	retiree	NOUN
fsr-3389	441	9	the	the	DET
fsr-3389	441	10	option	option	NOUN
fsr-3389	441	11	of	of	ADP
fsr-3389	441	12	removing	remove	VERB
fsr-3389	441	13	this	this	DET
fsr-3389	441	14	offset	offset	NOUN
fsr-3389	441	15	;	;	PUNCT
fsr-3389	441	16	however	however	ADV
fsr-3389	441	17	,	,	PUNCT
fsr-3389	441	18	in	in	ADP
fsr-3389	441	19	doing	do	VERB
fsr-3389	441	20	so	so	SCONJ
fsr-3389	441	21	retirees	retiree	NOUN
fsr-3389	441	22	would	would	AUX
fsr-3389	441	23	pay	pay	VERB
fsr-3389	441	24	higher	high	ADJ
fsr-3389	441	25	sbp	sbp	NOUN
fsr-3389	441	26	premiums	premium	NOUN
fsr-3389	441	27	.	.	PUNCT
fsr-3389	442	1	the	the	DET
fsr-3389	442	2	net	net	ADJ
fsr-3389	442	3	effect	effect	NOUN
fsr-3389	442	4	can	can	AUX
fsr-3389	442	5	be	be	AUX
fsr-3389	442	6	addressed	address	VERB
fsr-3389	442	7	when	when	SCONJ
fsr-3389	442	8	it	it	PRON
fsr-3389	442	9	materializes	materialize	VERB
fsr-3389	442	10	.	.	PUNCT
fsr-3389	443	1	relatedly	relatedly	ADV
fsr-3389	443	2	,	,	PUNCT
fsr-3389	443	3	servicemembers	servicemember	NOUN
fsr-3389	443	4	should	should	AUX
fsr-3389	443	5	know	know	VERB
fsr-3389	443	6	that	that	SCONJ
fsr-3389	443	7	their	their	PRON
fsr-3389	443	8	sgli	sgli	NOUN
fsr-3389	443	9	coverage	coverage	NOUN
fsr-3389	443	10	that	that	PRON
fsr-3389	443	11	they	they	PRON
fsr-3389	443	12	carry	carry	VERB
fsr-3389	443	13	on	on	ADP
fsr-3389	443	14	active	active	ADJ
fsr-3389	443	15	duty	duty	NOUN
fsr-3389	443	16	continues	continue	VERB
fsr-3389	443	17	for	for	ADP
fsr-3389	443	18	120	120	NUM
fsr-3389	443	19	days	day	NOUN
fsr-3389	443	20	after	after	ADP
fsr-3389	443	21	retirement	retirement	NOUN
fsr-3389	443	22	at	at	ADP
fsr-3389	443	23	no	no	DET
fsr-3389	443	24	cost	cost	NOUN
fsr-3389	443	25	.	.	PUNCT
fsr-3389	444	1	currently	currently	ADV
fsr-3389	444	2	,	,	PUNCT
fsr-3389	444	3	the	the	DET
fsr-3389	444	4	maximum	maximum	ADJ
fsr-3389	444	5	coverage	coverage	NOUN
fsr-3389	444	6	is	be	AUX
fsr-3389	444	7	$	$	SYM
fsr-3389	444	8	400,000	400,000	NUM
fsr-3389	444	9	.	.	PUNCT
fsr-3389	445	1	we	we	PRON
fsr-3389	445	2	do	do	AUX
fsr-3389	445	3	not	not	PART
fsr-3389	445	4	model	model	VERB
fsr-3389	445	5	this	this	DET
fsr-3389	445	6	coverage	coverage	NOUN
fsr-3389	445	7	,	,	PUNCT
fsr-3389	445	8	but	but	CCONJ
fsr-3389	445	9	if	if	SCONJ
fsr-3389	445	10	we	we	PRON
fsr-3389	445	11	did	do	VERB
fsr-3389	445	12	,	,	PUNCT
fsr-3389	445	13	it	it	PRON
fsr-3389	445	14	would	would	AUX
fsr-3389	445	15	temper	temper	VERB
fsr-3389	445	16	the	the	DET
fsr-3389	445	17	relative	relative	ADJ
fsr-3389	445	18	benefit	benefit	NOUN
fsr-3389	445	19	of	of	ADP
fsr-3389	445	20	sbp	sbp	NOUN
fsr-3389	445	21	(	(	PUNCT
fsr-3389	445	22	or	or	CCONJ
fsr-3389	445	23	strengthen	strengthen	VERB
fsr-3389	445	24	the	the	DET
fsr-3389	445	25	term	term	NOUN
fsr-3389	445	26	-	-	PUNCT
fsr-3389	445	27	and	and	CCONJ
fsr-3389	445	28	-	-	PUNCT
fsr-3389	445	29	invest	invest	NOUN
fsr-3389	445	30	option	option	NOUN
fsr-3389	445	31	)	)	PUNCT
fsr-3389	445	32	in	in	ADP
fsr-3389	445	33	those	those	DET
fsr-3389	445	34	scenarios	scenario	NOUN
fsr-3389	445	35	where	where	SCONJ
fsr-3389	445	36	the	the	DET
fsr-3389	445	37	servicemember	servicemember	NOUN
fsr-3389	445	38	dies	die	VERB
fsr-3389	445	39	within	within	ADP
fsr-3389	445	40	four	four	NUM
fsr-3389	445	41	months	month	NOUN
fsr-3389	445	42	of	of	ADP
fsr-3389	445	43	retirement	retirement	NOUN
fsr-3389	445	44	.	.	PUNCT
fsr-3389	446	1	7	7	X
fsr-3389	446	2	.	.	X
fsr-3389	446	3	conclusion	conclusion	NOUN
fsr-3389	446	4	tens	ten	NOUN
fsr-3389	446	5	of	of	ADP
fsr-3389	446	6	millions	million	NOUN
fsr-3389	446	7	of	of	ADP
fsr-3389	446	8	retirees	retiree	NOUN
fsr-3389	446	9	—	—	PUNCT
fsr-3389	446	10	state	state	NOUN
fsr-3389	446	11	employees	employee	NOUN
fsr-3389	446	12	,	,	PUNCT
fsr-3389	446	13	federal	federal	ADJ
fsr-3389	446	14	employees	employee	NOUN
fsr-3389	446	15	,	,	PUNCT
fsr-3389	446	16	and	and	CCONJ
fsr-3389	446	17	even	even	ADV
fsr-3389	446	18	private	private	ADJ
fsr-3389	446	19	db	db	PROPN
fsr-3389	446	20	pensioners	pensioner	NOUN
fsr-3389	446	21	—	—	PUNCT
fsr-3389	446	22	face	face	NOUN
fsr-3389	446	23	decisions	decision	NOUN
fsr-3389	446	24	about	about	ADP
fsr-3389	446	25	whether	whether	SCONJ
fsr-3389	446	26	and	and	CCONJ
fsr-3389	446	27	how	how	SCONJ
fsr-3389	446	28	to	to	PART
fsr-3389	446	29	insure	insure	VERB
fsr-3389	446	30	their	their	PRON
fsr-3389	446	31	defined	define	VERB
fsr-3389	446	32	benefit	benefit	NOUN
fsr-3389	446	33	pension	pension	NOUN
fsr-3389	446	34	.	.	PUNCT
fsr-3389	447	1	the	the	DET
fsr-3389	447	2	u.s	u.s	PROPN
fsr-3389	447	3	.	.	PROPN
fsr-3389	447	4	military	military	PROPN
fsr-3389	447	5	has	have	VERB
fsr-3389	447	6	a	a	DET
fsr-3389	447	7	transparent	transparent	ADJ
fsr-3389	447	8	and	and	CCONJ
fsr-3389	447	9	well	well	ADV
fsr-3389	447	10	-	-	PUNCT
fsr-3389	447	11	defined	define	VERB
fsr-3389	447	12	pension	pension	NOUN
fsr-3389	447	13	protection	protection	NOUN
fsr-3389	447	14	program	program	NOUN
fsr-3389	447	15	called	call	VERB
fsr-3389	447	16	the	the	DET
fsr-3389	447	17	sbp	sbp	NOUN
fsr-3389	447	18	.	.	PUNCT
fsr-3389	448	1	the	the	DET
fsr-3389	448	2	sbp	sbp	PROPN
fsr-3389	448	3	presents	present	VERB
fsr-3389	448	4	a	a	DET
fsr-3389	448	5	unique	unique	ADJ
fsr-3389	448	6	opportunity	opportunity	NOUN
fsr-3389	448	7	to	to	PART
fsr-3389	448	8	present	present	VERB
fsr-3389	448	9	a	a	DET
fsr-3389	448	10	framework	framework	NOUN
fsr-3389	448	11	for	for	ADP
fsr-3389	448	12	analyzing	analyze	VERB
fsr-3389	448	13	this	this	DET
fsr-3389	448	14	key	key	ADJ
fsr-3389	448	15	financial	financial	ADJ
fsr-3389	448	16	decision	decision	NOUN
fsr-3389	448	17	.	.	PUNCT
fsr-3389	449	1	prior	prior	ADJ
fsr-3389	449	2	analysis	analysis	NOUN
fsr-3389	449	3	has	have	AUX
fsr-3389	449	4	simulated	simulate	VERB
fsr-3389	449	5	the	the	DET
fsr-3389	449	6	payoffs	payoff	NOUN
fsr-3389	449	7	for	for	ADP
fsr-3389	449	8	various	various	ADJ
fsr-3389	449	9	scenarios	scenario	NOUN
fsr-3389	449	10	,	,	PUNCT
fsr-3389	449	11	ultimately	ultimately	ADV
fsr-3389	449	12	concluding	conclude	VERB
fsr-3389	449	13	that	that	SCONJ
fsr-3389	449	14	the	the	DET
fsr-3389	449	15	sbps	sbps	NOUN
fsr-3389	449	16	average	average	ADJ
fsr-3389	449	17	real	real	ADJ
fsr-3389	449	18	return	return	NOUN
fsr-3389	449	19	is	be	AUX
fsr-3389	449	20	quite	quite	ADV
fsr-3389	449	21	remarkable	remarkable	ADJ
fsr-3389	449	22	,	,	PUNCT
fsr-3389	449	23	between	between	ADP
fsr-3389	449	24	six	six	NUM
fsr-3389	449	25	and	and	CCONJ
fsr-3389	449	26	seven	seven	NUM
fsr-3389	449	27	percentage	percentage	NOUN
fsr-3389	449	28	for	for	ADP
fsr-3389	449	29	a	a	DET
fsr-3389	449	30	common	common	ADJ
fsr-3389	449	31	scenario	scenario	NOUN
fsr-3389	449	32	.	.	PUNCT
fsr-3389	450	1	while	while	SCONJ
fsr-3389	450	2	we	we	PRON
fsr-3389	450	3	concur	concur	VERB
fsr-3389	450	4	that	that	SCONJ
fsr-3389	450	5	this	this	DET
fsr-3389	450	6	average	average	ADJ
fsr-3389	450	7	return	return	NOUN
fsr-3389	450	8	makes	make	VERB
fsr-3389	450	9	the	the	DET
fsr-3389	450	10	sbp	sbp	NOUN
fsr-3389	450	11	program	program	NOUN
fsr-3389	450	12	very	very	ADV
fsr-3389	450	13	attractive	attractive	ADJ
fsr-3389	450	14	,	,	PUNCT
fsr-3389	450	15	we	we	PRON
fsr-3389	450	16	update	update	VERB
fsr-3389	450	17	the	the	DET
fsr-3389	450	18	results	result	NOUN
fsr-3389	450	19	using	use	VERB
fsr-3389	450	20	more	more	ADV
fsr-3389	450	21	relevant	relevant	ADJ
fsr-3389	450	22	and	and	CCONJ
fsr-3389	450	23	appropriate	appropriate	ADJ
fsr-3389	450	24	life	life	NOUN
fsr-3389	450	25	expectancy	expectancy	NOUN
fsr-3389	450	26	data	datum	NOUN
fsr-3389	450	27	.	.	PUNCT
fsr-3389	451	1	we	we	PRON
fsr-3389	451	2	show	show	VERB
fsr-3389	451	3	that	that	SCONJ
fsr-3389	451	4	a	a	DET
fsr-3389	451	5	1	1	NUM
fsr-3389	451	6	-	-	PUNCT
fsr-3389	451	7	in-20	in-20	NOUN
fsr-3389	451	8	winner	winner	NOUN
fsr-3389	451	9	scenario	scenario	NOUN
fsr-3389	451	10	is	be	AUX
fsr-3389	451	11	embedded	embed	VERB
fsr-3389	451	12	in	in	ADP
fsr-3389	451	13	any	any	DET
fsr-3389	451	14	rate	rate	NOUN
fsr-3389	451	15	of	of	ADP
fsr-3389	451	16	return	return	NOUN
fsr-3389	451	17	calculation	calculation	NOUN
fsr-3389	451	18	,	,	PUNCT
fsr-3389	451	19	masking	mask	VERB
fsr-3389	451	20	the	the	DET
fsr-3389	451	21	highly	highly	ADV
fsr-3389	451	22	skewed	skewed	ADJ
fsr-3389	451	23	distribution	distribution	NOUN
fsr-3389	451	24	of	of	ADP
fsr-3389	451	25	outcomes	outcome	NOUN
fsr-3389	451	26	.	.	PUNCT
fsr-3389	452	1	we	we	PRON
fsr-3389	452	2	ultimately	ultimately	ADV
fsr-3389	452	3	recommend	recommend	VERB
fsr-3389	452	4	a	a	DET
fsr-3389	452	5	default	default	NOUN
fsr-3389	452	6	position	position	NOUN
fsr-3389	452	7	against	against	ADP
fsr-3389	452	8	the	the	DET
fsr-3389	452	9	federally	federally	ADV
fsr-3389	452	10	-	-	PUNCT
fsr-3389	452	11	insured	insure	VERB
fsr-3389	452	12	pension	pension	NOUN
fsr-3389	452	13	protection	protection	NOUN
fsr-3389	452	14	program	program	NOUN
fsr-3389	452	15	for	for	ADP
fsr-3389	452	16	the	the	DET
fsr-3389	452	17	typical	typical	ADJ
fsr-3389	452	18	retiree	retiree	NOUN
fsr-3389	452	19	given	give	VERB
fsr-3389	452	20	currently	currently	ADV
fsr-3389	452	21	available	available	ADJ
fsr-3389	452	22	market	market	NOUN
fsr-3389	452	23	alternatives	alternative	NOUN
fsr-3389	452	24	.	.	PUNCT
fsr-3389	453	1	one	one	NUM
fsr-3389	453	2	alternative	alternative	NOUN
fsr-3389	453	3	that	that	PRON
fsr-3389	453	4	is	be	AUX
fsr-3389	453	5	currently	currently	ADV
fsr-3389	453	6	more	more	ADV
fsr-3389	453	7	appropriate	appropriate	ADJ
fsr-3389	453	8	for	for	ADP
fsr-3389	453	9	the	the	DET
fsr-3389	453	10	typical	typical	ADJ
fsr-3389	453	11	military	military	ADJ
fsr-3389	453	12	retiree	retiree	NOUN
fsr-3389	453	13	considering	consider	VERB
fsr-3389	453	14	sbp	sbp	NOUN
fsr-3389	453	15	-	-	PUNCT
fsr-3389	453	16	like	like	ADJ
fsr-3389	453	17	programs	program	NOUN
fsr-3389	453	18	is	be	AUX
fsr-3389	453	19	to	to	PART
fsr-3389	453	20	buy	buy	VERB
fsr-3389	453	21	privately	privately	ADV
fsr-3389	453	22	-	-	PUNCT
fsr-3389	453	23	available	available	ADJ
fsr-3389	453	24	level	level	NOUN
fsr-3389	453	25	-	-	PUNCT
fsr-3389	453	26	term	term	NOUN
fsr-3389	453	27	insurance	insurance	NOUN
fsr-3389	453	28	and	and	CCONJ
fsr-3389	453	29	invest	invest	VERB
fsr-3389	453	30	the	the	DET
fsr-3389	453	31	difference	difference	NOUN
fsr-3389	453	32	between	between	ADP
fsr-3389	453	33	the	the	DET
fsr-3389	453	34	term	term	NOUN
fsr-3389	453	35	cost	cost	NOUN
fsr-3389	453	36	and	and	CCONJ
fsr-3389	453	37	the	the	DET
fsr-3389	453	38	sbp	sbp	NOUN
fsr-3389	453	39	premiums	premium	NOUN
fsr-3389	453	40	.	.	PUNCT
fsr-3389	454	1	based	base	VERB
fsr-3389	454	2	on	on	ADP
fsr-3389	454	3	an	an	DET
fsr-3389	454	4	illustration	illustration	NOUN
fsr-3389	454	5	of	of	ADP
fsr-3389	454	6	a	a	DET
fsr-3389	454	7	common	common	ADJ
fsr-3389	454	8	retireespouse	retireespouse	NOUN
fsr-3389	454	9	combination	combination	NOUN
fsr-3389	454	10	and	and	CCONJ
fsr-3389	454	11	risk	risk	NOUN
fsr-3389	454	12	-	-	PUNCT
fsr-3389	454	13	equivalent	equivalent	ADJ
fsr-3389	454	14	return	return	NOUN
fsr-3389	454	15	assumptions	assumption	NOUN
fsr-3389	454	16	,	,	PUNCT
fsr-3389	454	17	a	a	DET
fsr-3389	454	18	strategy	strategy	NOUN
fsr-3389	454	19	of	of	ADP
fsr-3389	454	20	buying	buy	VERB
fsr-3389	454	21	term	term	NOUN
fsr-3389	454	22	insurance	insurance	NOUN
fsr-3389	454	23	and	and	CCONJ
fsr-3389	454	24	investing	invest	VERB
fsr-3389	454	25	the	the	DET
fsr-3389	454	26	savings	saving	NOUN
fsr-3389	454	27	generally	generally	ADV
fsr-3389	454	28	provides	provide	VERB
fsr-3389	454	29	more	more	ADJ
fsr-3389	454	30	preferred	preferred	ADJ
fsr-3389	454	31	outcomes	outcome	NOUN
fsr-3389	454	32	than	than	ADP
fsr-3389	454	33	sbp	sbp	NOUN
fsr-3389	454	34	.	.	PUNCT
fsr-3389	455	1	our	our	PRON
fsr-3389	455	2	analysis	analysis	NOUN
fsr-3389	455	3	couples	couple	VERB
fsr-3389	455	4	the	the	DET
fsr-3389	455	5	department	department	PROPN
fsr-3389	455	6	of	of	ADP
fsr-3389	455	7	defense	defense	PROPN
fsr-3389	455	8	actuary	actuary	PROPN
fsr-3389	455	9	life	life	NOUN
fsr-3389	455	10	expectancy	expectancy	NOUN
fsr-3389	455	11	tables	table	NOUN
fsr-3389	455	12	with	with	ADP
fsr-3389	455	13	realistic	realistic	ADJ
fsr-3389	455	14	demographic	demographic	ADJ
fsr-3389	455	15	and	and	CCONJ
fsr-3389	455	16	economic	economic	ADJ
fsr-3389	455	17	assumptions	assumption	NOUN
fsr-3389	455	18	to	to	PART
fsr-3389	455	19	first	first	ADV
fsr-3389	455	20	determine	determine	VERB
fsr-3389	455	21	the	the	DET
fsr-3389	455	22	expected	expect	VERB
fsr-3389	455	23	payoffs	payoff	NOUN
fsr-3389	455	24	to	to	ADP
fsr-3389	455	25	the	the	DET
fsr-3389	455	26	sbp	sbp	NOUN
fsr-3389	455	27	program	program	NOUN
fsr-3389	455	28	.	.	PUNCT
fsr-3389	456	1	it	it	PRON
fsr-3389	456	2	turns	turn	VERB
fsr-3389	456	3	out	out	ADP
fsr-3389	456	4	that	that	SCONJ
fsr-3389	456	5	over	over	ADP
fsr-3389	456	6	60	60	NUM
fsr-3389	456	7	%	%	NOUN
fsr-3389	456	8	of	of	ADP
fsr-3389	456	9	sbp	sbp	NOUN
fsr-3389	456	10	clients	client	NOUN
fsr-3389	456	11	should	should	AUX
fsr-3389	456	12	expect	expect	VERB
fsr-3389	456	13	to	to	PART
fsr-3389	456	14	pay	pay	VERB
fsr-3389	456	15	more	more	ADJ
fsr-3389	456	16	in	in	ADP
fsr-3389	456	17	premiums	premium	NOUN
fsr-3389	456	18	than	than	SCONJ
fsr-3389	456	19	they	they	PRON
fsr-3389	456	20	ever	ever	ADV
fsr-3389	456	21	receive	receive	VERB
fsr-3389	456	22	.	.	PUNCT
fsr-3389	457	1	while	while	SCONJ
fsr-3389	457	2	we	we	PRON
fsr-3389	457	3	might	might	AUX
fsr-3389	457	4	anticipate	anticipate	VERB
fsr-3389	457	5	this	this	DET
fsr-3389	457	6	breadth	breadth	NOUN
fsr-3389	457	7	of	of	ADP
fsr-3389	457	8	expected	expect	VERB
fsr-3389	457	9	negative	negative	ADJ
fsr-3389	457	10	returns	return	NOUN
fsr-3389	457	11	with	with	ADP
fsr-3389	457	12	private	private	ADJ
fsr-3389	457	13	insurers	insurer	NOUN
fsr-3389	457	14	because	because	SCONJ
fsr-3389	457	15	of	of	ADP
fsr-3389	457	16	profit	profit	NOUN
fsr-3389	457	17	and	and	CCONJ
fsr-3389	457	18	overhead	overhead	ADJ
fsr-3389	457	19	requirements	requirement	NOUN
fsr-3389	457	20	,	,	PUNCT
fsr-3389	457	21	it	it	PRON
fsr-3389	457	22	is	be	AUX
fsr-3389	457	23	somewhat	somewhat	ADV
fsr-3389	457	24	surprising	surprising	ADJ
fsr-3389	457	25	167w.w	167w.w	NOUN
fsr-3389	457	26	.	.	PUNCT
fsr-3389	458	1	jennings	jennings	PROPN
fsr-3389	458	2	et	et	PROPN
fsr-3389	458	3	al	al	PROPN
fsr-3389	458	4	.	.	PUNCT
fsr-3389	458	5	/	/	SYM
fsr-3389	458	6	financial	financial	ADJ
fsr-3389	458	7	services	service	NOUN
fsr-3389	458	8	review	review	VERB
fsr-3389	458	9	27	27	NUM
fsr-3389	458	10	(	(	PUNCT
fsr-3389	458	11	2018	2018	NUM
fsr-3389	458	12	)	)	PUNCT
fsr-3389	458	13	147	147	NUM
fsr-3389	458	14	-	-	SYM
fsr-3389	458	15	172	172	NUM
fsr-3389	458	16	given	give	VERB
fsr-3389	458	17	the	the	DET
fsr-3389	458	18	sbp	sbp	NOUN
fsr-3389	458	19	is	be	AUX
fsr-3389	458	20	federally	federally	ADV
fsr-3389	458	21	subsidized	subsidize	VERB
fsr-3389	458	22	and	and	CCONJ
fsr-3389	458	23	endorsed	endorse	VERB
fsr-3389	458	24	.	.	PUNCT
fsr-3389	459	1	further	far	ADV
fsr-3389	459	2	,	,	PUNCT
fsr-3389	459	3	the	the	DET
fsr-3389	459	4	sbp	sbp	NOUN
fsr-3389	459	5	insures	insure	VERB
fsr-3389	459	6	relatively	relatively	ADV
fsr-3389	459	7	healthy	healthy	ADJ
fsr-3389	459	8	individuals	individual	NOUN
fsr-3389	459	9	—	—	PUNCT
fsr-3389	459	10	u.s	u.s	PROPN
fsr-3389	459	11	.	.	PROPN
fsr-3389	459	12	military	military	ADJ
fsr-3389	459	13	members	member	NOUN
fsr-3389	459	14	who	who	PRON
fsr-3389	459	15	have	have	AUX
fsr-3389	459	16	served	serve	VERB
fsr-3389	459	17	at	at	ADP
fsr-3389	459	18	least	least	ADV
fsr-3389	459	19	20	20	NUM
fsr-3389	459	20	years	year	NOUN
fsr-3389	459	21	—	—	PUNCT
fsr-3389	459	22	as	as	SCONJ
fsr-3389	459	23	evidenced	evidence	VERB
fsr-3389	459	24	by	by	ADP
fsr-3389	459	25	their	their	PRON
fsr-3389	459	26	required	require	VERB
fsr-3389	459	27	preventive	preventive	ADJ
fsr-3389	459	28	health	health	NOUN
fsr-3389	459	29	exams	exam	NOUN
fsr-3389	459	30	and	and	CCONJ
fsr-3389	459	31	routine	routine	ADJ
fsr-3389	459	32	physical	physical	ADJ
fsr-3389	459	33	fitness	fitness	NOUN
fsr-3389	459	34	tests	test	NOUN
fsr-3389	459	35	.	.	PUNCT
fsr-3389	460	1	this	this	DET
fsr-3389	460	2	study	study	NOUN
fsr-3389	460	3	further	far	ADV
fsr-3389	460	4	characterizes	characterize	VERB
fsr-3389	460	5	the	the	DET
fsr-3389	460	6	expected	expect	VERB
fsr-3389	460	7	sbp	sbp	NOUN
fsr-3389	460	8	winners	winner	NOUN
fsr-3389	460	9	versus	versus	ADP
fsr-3389	460	10	typical	typical	ADJ
fsr-3389	460	11	recipients	recipient	NOUN
fsr-3389	460	12	,	,	PUNCT
fsr-3389	460	13	finding	find	VERB
fsr-3389	460	14	that	that	SCONJ
fsr-3389	460	15	while	while	SCONJ
fsr-3389	460	16	the	the	DET
fsr-3389	460	17	winners	winner	NOUN
fsr-3389	460	18	(	(	PUNCT
fsr-3389	460	19	i.e.	i.e.	X
fsr-3389	460	20	,	,	PUNCT
fsr-3389	460	21	the	the	DET
fsr-3389	460	22	insured	insure	VERB
fsr-3389	460	23	dies	die	VERB
fsr-3389	460	24	young	young	ADJ
fsr-3389	460	25	and	and	CCONJ
fsr-3389	460	26	the	the	DET
fsr-3389	460	27	beneficiary	beneficiary	NOUN
fsr-3389	460	28	lives	live	VERB
fsr-3389	460	29	long	long	ADV
fsr-3389	460	30	)	)	PUNCT
fsr-3389	460	31	occur	occur	VERB
fsr-3389	460	32	only	only	ADV
fsr-3389	460	33	a	a	DET
fsr-3389	460	34	small	small	ADJ
fsr-3389	460	35	fraction	fraction	NOUN
fsr-3389	460	36	of	of	ADP
fsr-3389	460	37	the	the	DET
fsr-3389	460	38	time	time	NOUN
fsr-3389	460	39	(	(	PUNCT
fsr-3389	460	40	5	5	NUM
fsr-3389	460	41	%	%	NOUN
fsr-3389	460	42	)	)	PUNCT
fsr-3389	460	43	,	,	PUNCT
fsr-3389	460	44	almost	almost	ADV
fsr-3389	460	45	60	60	NUM
fsr-3389	460	46	%	%	NOUN
fsr-3389	460	47	of	of	ADP
fsr-3389	460	48	the	the	DET
fsr-3389	460	49	sbps	sbps	NOUN
fsr-3389	460	50	expected	expect	VERB
fsr-3389	460	51	value	value	NOUN
fsr-3389	460	52	goes	go	VERB
fsr-3389	460	53	to	to	ADP
fsr-3389	460	54	the	the	DET
fsr-3389	460	55	surviving	surviving	NOUN
fsr-3389	460	56	spouse	spouse	NOUN
fsr-3389	460	57	in	in	ADP
fsr-3389	460	58	these	these	DET
fsr-3389	460	59	couples	couple	NOUN
fsr-3389	460	60	(	(	PUNCT
fsr-3389	460	61	as	as	SCONJ
fsr-3389	460	62	noted	note	VERB
fsr-3389	460	63	in	in	ADP
fsr-3389	460	64	the	the	DET
fsr-3389	460	65	paper	paper	NOUN
fsr-3389	460	66	,	,	PUNCT
fsr-3389	460	67	we	we	PRON
fsr-3389	460	68	do	do	AUX
fsr-3389	460	69	not	not	PART
fsr-3389	460	70	mean	mean	VERB
fsr-3389	460	71	literal	literal	ADJ
fsr-3389	460	72	fig	fig	NOUN
fsr-3389	460	73	.	.	PUNCT
fsr-3389	461	1	8	8	X
fsr-3389	461	2	.	.	X
fsr-3389	461	3	results	result	NOUN
fsr-3389	461	4	from	from	ADP
fsr-3389	461	5	survivor	survivor	NOUN
fsr-3389	461	6	benefit	benefit	NOUN
fsr-3389	461	7	plan	plan	NOUN
fsr-3389	461	8	(	(	PUNCT
fsr-3389	461	9	sbp	sbp	NOUN
fsr-3389	461	10	)	)	PUNCT
fsr-3389	461	11	calculator	calculator	NOUN
fsr-3389	461	12	for	for	ADP
fsr-3389	461	13	one	one	NUM
fsr-3389	461	14	common	common	ADJ
fsr-3389	461	15	scenario	scenario	NOUN
fsr-3389	461	16	.	.	PUNCT
fsr-3389	462	1	this	this	DET
fsr-3389	462	2	figure	figure	NOUN
fsr-3389	462	3	shows	show	VERB
fsr-3389	462	4	the	the	DET
fsr-3389	462	5	inputs	input	NOUN
fsr-3389	462	6	available	available	ADJ
fsr-3389	462	7	and	and	CCONJ
fsr-3389	462	8	output	output	NOUN
fsr-3389	462	9	summary	summary	NOUN
fsr-3389	462	10	from	from	ADP
fsr-3389	462	11	a	a	DET
fsr-3389	462	12	calculator	calculator	NOUN
fsr-3389	462	13	that	that	PRON
fsr-3389	462	14	permits	permit	VERB
fsr-3389	462	15	individuals	individual	NOUN
fsr-3389	462	16	to	to	PART
fsr-3389	462	17	assess	assess	VERB
fsr-3389	462	18	the	the	DET
fsr-3389	462	19	sbp	sbp	NOUN
fsr-3389	462	20	versus	versus	ADP
fsr-3389	462	21	term	term	NOUN
fsr-3389	462	22	-	-	PUNCT
fsr-3389	462	23	and	and	CCONJ
fsr-3389	462	24	-	-	PUNCT
fsr-3389	462	25	invest	invest	VERB
fsr-3389	462	26	pension	pension	NOUN
fsr-3389	462	27	protection	protection	NOUN
fsr-3389	462	28	strategies	strategy	NOUN
fsr-3389	462	29	given	give	VERB
fsr-3389	462	30	their	their	PRON
fsr-3389	462	31	unique	unique	ADJ
fsr-3389	462	32	circumstances	circumstance	NOUN
fsr-3389	462	33	.	.	PUNCT
fsr-3389	463	1	results	result	NOUN
fsr-3389	463	2	are	be	AUX
fsr-3389	463	3	based	base	VERB
fsr-3389	463	4	on	on	ADP
fsr-3389	463	5	militaryretiree	militaryretiree	NOUN
fsr-3389	463	6	specific	specific	ADJ
fsr-3389	463	7	mortality	mortality	NOUN
fsr-3389	463	8	tables	table	NOUN
fsr-3389	463	9	.	.	PUNCT
fsr-3389	464	1	calculator	calculator	NOUN
fsr-3389	464	2	is	be	AUX
fsr-3389	464	3	available	available	ADJ
fsr-3389	464	4	at	at	ADP
fsr-3389	464	5	www.financialcheckpoints.com	www.financialcheckpoints.com	PROPN
fsr-3389	464	6	.	.	PUNCT
fsr-3389	465	1	168	168	NUM
fsr-3389	465	2	w.w	w.w	PROPN
fsr-3389	465	3	.	.	PROPN
fsr-3389	465	4	jennings	jennings	PROPN
fsr-3389	465	5	et	et	PROPN
fsr-3389	465	6	al	al	PROPN
fsr-3389	465	7	.	.	PUNCT
fsr-3389	465	8	/	/	SYM
fsr-3389	465	9	financial	financial	ADJ
fsr-3389	465	10	services	service	NOUN
fsr-3389	465	11	review	review	VERB
fsr-3389	465	12	27	27	NUM
fsr-3389	465	13	(	(	PUNCT
fsr-3389	465	14	2018	2018	NUM
fsr-3389	465	15	)	)	PUNCT
fsr-3389	465	16	147	147	NUM
fsr-3389	465	17	-	-	SYM
fsr-3389	465	18	172	172	NUM
fsr-3389	465	19	winners	winner	NOUN
fsr-3389	465	20	.	.	PUNCT
fsr-3389	466	1	we	we	PRON
fsr-3389	466	2	genuinely	genuinely	ADV
fsr-3389	466	3	hope	hope	VERB
fsr-3389	466	4	nobody	nobody	PRON
fsr-3389	466	5	“	"	PUNCT
fsr-3389	466	6	wins	win	VERB
fsr-3389	466	7	”	"	PUNCT
fsr-3389	466	8	early	early	ADJ
fsr-3389	466	9	sbp	sbp	NOUN
fsr-3389	466	10	payments	payment	NOUN
fsr-3389	466	11	)	)	PUNCT
fsr-3389	466	12	.	.	PUNCT
fsr-3389	467	1	in	in	ADP
fsr-3389	467	2	contrast	contrast	NOUN
fsr-3389	467	3	,	,	PUNCT
fsr-3389	467	4	the	the	DET
fsr-3389	467	5	typical	typical	ADJ
fsr-3389	467	6	sbp	sbp	NOUN
fsr-3389	467	7	recipients	recipient	NOUN
fsr-3389	467	8	receive	receive	VERB
fsr-3389	467	9	their	their	PRON
fsr-3389	467	10	payouts	payout	NOUN
fsr-3389	467	11	relatively	relatively	ADV
fsr-3389	467	12	late	late	ADV
fsr-3389	467	13	in	in	ADP
fsr-3389	467	14	the	the	DET
fsr-3389	467	15	game	game	NOUN
fsr-3389	467	16	for	for	ADP
fsr-3389	467	17	relatively	relatively	ADV
fsr-3389	467	18	few	few	ADJ
fsr-3389	467	19	years	year	NOUN
fsr-3389	467	20	,	,	PUNCT
fsr-3389	467	21	at	at	ADP
fsr-3389	467	22	a	a	DET
fsr-3389	467	23	time	time	NOUN
fsr-3389	467	24	when	when	SCONJ
fsr-3389	467	25	they	they	PRON
fsr-3389	467	26	likely	likely	ADV
fsr-3389	467	27	have	have	VERB
fsr-3389	467	28	other	other	ADJ
fsr-3389	467	29	sources	source	NOUN
fsr-3389	467	30	of	of	ADP
fsr-3389	467	31	income	income	NOUN
fsr-3389	467	32	besides	besides	SCONJ
fsr-3389	467	33	the	the	DET
fsr-3389	467	34	sbp	sbp	NOUN
fsr-3389	467	35	annuity	annuity	NOUN
fsr-3389	467	36	.	.	PUNCT
fsr-3389	468	1	for	for	ADP
fsr-3389	468	2	these	these	DET
fsr-3389	468	3	reasons	reason	NOUN
fsr-3389	468	4	,	,	PUNCT
fsr-3389	468	5	we	we	PRON
fsr-3389	468	6	explore	explore	VERB
fsr-3389	468	7	an	an	DET
fsr-3389	468	8	alternative	alternative	NOUN
fsr-3389	468	9	to	to	ADP
fsr-3389	468	10	sbp	sbp	NOUN
fsr-3389	468	11	,	,	PUNCT
fsr-3389	468	12	which	which	PRON
fsr-3389	468	13	is	be	AUX
fsr-3389	468	14	buying	buy	VERB
fsr-3389	468	15	term	term	NOUN
fsr-3389	468	16	insurance	insurance	NOUN
fsr-3389	468	17	and	and	CCONJ
fsr-3389	468	18	investing	invest	VERB
fsr-3389	468	19	the	the	DET
fsr-3389	468	20	difference	difference	NOUN
fsr-3389	468	21	between	between	ADP
fsr-3389	468	22	the	the	DET
fsr-3389	468	23	cost	cost	NOUN
fsr-3389	468	24	of	of	ADP
fsr-3389	468	25	the	the	DET
fsr-3389	468	26	term	term	NOUN
fsr-3389	468	27	policy	policy	NOUN
fsr-3389	468	28	and	and	CCONJ
fsr-3389	468	29	the	the	DET
fsr-3389	468	30	sbp	sbp	NOUN
fsr-3389	468	31	premium	premium	NOUN
fsr-3389	468	32	.	.	PUNCT
fsr-3389	469	1	this	this	DET
fsr-3389	469	2	term	term	NOUN
fsr-3389	469	3	-	-	PUNCT
fsr-3389	469	4	and	and	CCONJ
fsr-3389	469	5	-	-	PUNCT
fsr-3389	469	6	invest	invest	NOUN
fsr-3389	469	7	strategy	strategy	NOUN
fsr-3389	469	8	is	be	AUX
fsr-3389	469	9	superior	superior	ADJ
fsr-3389	469	10	to	to	ADP
fsr-3389	469	11	the	the	DET
fsr-3389	469	12	sbp	sbp	NOUN
fsr-3389	469	13	in	in	ADP
fsr-3389	469	14	many	many	ADJ
fsr-3389	469	15	situations	situation	NOUN
fsr-3389	469	16	.	.	PUNCT
fsr-3389	470	1	it	it	PRON
fsr-3389	470	2	protects	protect	VERB
fsr-3389	470	3	the	the	DET
fsr-3389	470	4	surviving	surviving	NOUN
fsr-3389	470	5	spouse	spouse	NOUN
fsr-3389	470	6	from	from	ADP
fsr-3389	470	7	an	an	DET
fsr-3389	470	8	unexpected	unexpected	ADJ
fsr-3389	470	9	early	early	ADJ
fsr-3389	470	10	death	death	NOUN
fsr-3389	470	11	of	of	ADP
fsr-3389	470	12	the	the	DET
fsr-3389	470	13	insured	insure	VERB
fsr-3389	470	14	retiree	retiree	NOUN
fsr-3389	470	15	.	.	PUNCT
fsr-3389	471	1	unlike	unlike	ADP
fsr-3389	471	2	sbp	sbp	NOUN
fsr-3389	471	3	,	,	PUNCT
fsr-3389	471	4	the	the	DET
fsr-3389	471	5	term	term	NOUN
fsr-3389	471	6	insurance	insurance	NOUN
fsr-3389	471	7	policy	policy	NOUN
fsr-3389	471	8	benefits	benefit	NOUN
fsr-3389	471	9	are	be	AUX
fsr-3389	471	10	not	not	PART
fsr-3389	471	11	conditional	conditional	ADJ
fsr-3389	471	12	upon	upon	SCONJ
fsr-3389	471	13	the	the	DET
fsr-3389	471	14	beneficiary	beneficiary	NOUN
fsr-3389	471	15	spouse	spouse	PROPN
fsr-3389	471	16	’s	’s	PART
fsr-3389	471	17	mortality	mortality	NOUN
fsr-3389	471	18	.	.	PUNCT
fsr-3389	472	1	in	in	ADP
fsr-3389	472	2	other	other	ADJ
fsr-3389	472	3	words	word	NOUN
fsr-3389	472	4	,	,	PUNCT
fsr-3389	472	5	children	child	NOUN
fsr-3389	472	6	,	,	PUNCT
fsr-3389	472	7	charities	charity	NOUN
fsr-3389	472	8	,	,	PUNCT
fsr-3389	472	9	or	or	CCONJ
fsr-3389	472	10	the	the	DET
fsr-3389	472	11	retiree	retiree	NOUN
fsr-3389	472	12	’s	’s	PART
fsr-3389	472	13	estate	estate	NOUN
fsr-3389	472	14	will	will	AUX
fsr-3389	472	15	still	still	ADV
fsr-3389	472	16	benefit	benefit	VERB
fsr-3389	472	17	if	if	SCONJ
fsr-3389	472	18	the	the	DET
fsr-3389	472	19	retiree	retiree	NOUN
fsr-3389	472	20	’s	’s	PART
fsr-3389	472	21	spouse	spouse	NOUN
fsr-3389	472	22	passes	pass	VERB
fsr-3389	472	23	away	away	ADV
fsr-3389	472	24	.	.	PUNCT
fsr-3389	473	1	the	the	DET
fsr-3389	473	2	investments	investment	NOUN
fsr-3389	473	3	also	also	ADV
fsr-3389	473	4	provide	provide	VERB
fsr-3389	473	5	a	a	DET
fsr-3389	473	6	certain	certain	ADJ
fsr-3389	473	7	benefit	benefit	NOUN
fsr-3389	473	8	to	to	ADP
fsr-3389	473	9	the	the	DET
fsr-3389	473	10	spouse	spouse	NOUN
fsr-3389	473	11	,	,	PUNCT
fsr-3389	473	12	children	child	NOUN
fsr-3389	473	13	,	,	PUNCT
fsr-3389	473	14	or	or	CCONJ
fsr-3389	473	15	couple	couple	NOUN
fsr-3389	473	16	whether	whether	SCONJ
fsr-3389	473	17	the	the	DET
fsr-3389	473	18	retiree	retiree	NOUN
fsr-3389	473	19	predeceases	predecease	VERB
fsr-3389	473	20	them	they	PRON
fsr-3389	473	21	early	early	ADV
fsr-3389	473	22	or	or	CCONJ
fsr-3389	473	23	not	not	PART
fsr-3389	473	24	.	.	PUNCT
fsr-3389	474	1	in	in	ADP
fsr-3389	474	2	fact	fact	NOUN
fsr-3389	474	3	,	,	PUNCT
fsr-3389	474	4	in	in	ADP
fsr-3389	474	5	a	a	DET
fsr-3389	474	6	common	common	ADJ
fsr-3389	474	7	scenario	scenario	NOUN
fsr-3389	474	8	of	of	ADP
fsr-3389	474	9	a	a	DET
fsr-3389	474	10	44	44	NUM
fsr-3389	474	11	-	-	PUNCT
fsr-3389	474	12	year	year	NOUN
fsr-3389	474	13	-	-	PUNCT
fsr-3389	474	14	old	old	ADJ
fsr-3389	474	15	male	male	ADJ
fsr-3389	474	16	military	military	ADJ
fsr-3389	474	17	officer	officer	NOUN
fsr-3389	474	18	retiring	retire	VERB
fsr-3389	474	19	with	with	ADP
fsr-3389	474	20	great	great	ADJ
fsr-3389	474	21	health	health	NOUN
fsr-3389	474	22	and	and	CCONJ
fsr-3389	474	23	under	under	ADP
fsr-3389	474	24	plausible	plausible	ADJ
fsr-3389	474	25	nominal	nominal	ADJ
fsr-3389	474	26	investment	investment	NOUN
fsr-3389	474	27	return	return	NOUN
fsr-3389	474	28	(	(	PUNCT
fsr-3389	474	29	7	7	NUM
fsr-3389	474	30	%	%	NOUN
fsr-3389	474	31	)	)	PUNCT
fsr-3389	474	32	and	and	CCONJ
fsr-3389	474	33	inflation	inflation	NOUN
fsr-3389	474	34	(	(	PUNCT
fsr-3389	474	35	2.5	2.5	NUM
fsr-3389	474	36	%	%	NOUN
fsr-3389	474	37	)	)	PUNCT
fsr-3389	474	38	assumptions	assumption	NOUN
fsr-3389	474	39	,	,	PUNCT
fsr-3389	474	40	the	the	DET
fsr-3389	474	41	expected	expect	VERB
fsr-3389	474	42	payout	payout	NOUN
fsr-3389	474	43	to	to	ADP
fsr-3389	474	44	a	a	DET
fsr-3389	474	45	term	term	NOUN
fsr-3389	474	46	-	-	PUNCT
fsr-3389	474	47	and	and	CCONJ
fsr-3389	474	48	-	-	PUNCT
fsr-3389	474	49	invest	invest	NOUN
fsr-3389	474	50	strategy	strategy	NOUN
fsr-3389	474	51	is	be	AUX
fsr-3389	474	52	$	$	SYM
fsr-3389	474	53	330,000	330,000	NUM
fsr-3389	474	54	,	,	PUNCT
fsr-3389	474	55	which	which	PRON
fsr-3389	474	56	is	be	AUX
fsr-3389	474	57	over	over	ADP
fsr-3389	474	58	five	five	NUM
fsr-3389	474	59	times	time	NOUN
fsr-3389	474	60	the	the	DET
fsr-3389	474	61	expected	expect	VERB
fsr-3389	474	62	payout	payout	NOUN
fsr-3389	474	63	from	from	ADP
fsr-3389	474	64	sbp	sbp	NOUN
fsr-3389	474	65	.	.	PUNCT
fsr-3389	475	1	a	a	DET
fsr-3389	475	2	summary	summary	NOUN
fsr-3389	475	3	of	of	ADP
fsr-3389	475	4	various	various	ADJ
fsr-3389	475	5	scenarios	scenario	NOUN
fsr-3389	475	6	is	be	AUX
fsr-3389	475	7	found	find	VERB
fsr-3389	475	8	in	in	ADP
fsr-3389	475	9	fig	fig	NOUN
fsr-3389	475	10	.	.	PUNCT
fsr-3389	476	1	6	6	NUM
fsr-3389	476	2	,	,	PUNCT
fsr-3389	476	3	which	which	PRON
fsr-3389	476	4	comes	come	VERB
fsr-3389	476	5	from	from	ADP
fsr-3389	476	6	our	our	PRON
fsr-3389	476	7	calculator	calculator	NOUN
fsr-3389	476	8	that	that	PRON
fsr-3389	476	9	we	we	PRON
fsr-3389	476	10	provide	provide	VERB
fsr-3389	476	11	online	online	NOUN
fsr-3389	476	12	.	.	PUNCT
fsr-3389	477	1	fig	fig	NOUN
fsr-3389	477	2	.	.	PUNCT
fsr-3389	478	1	8	8	NUM
fsr-3389	478	2	shows	show	VERB
fsr-3389	478	3	a	a	DET
fsr-3389	478	4	snapshot	snapshot	NOUN
fsr-3389	478	5	of	of	ADP
fsr-3389	478	6	this	this	DET
fsr-3389	478	7	calculator	calculator	NOUN
fsr-3389	478	8	.	.	PUNCT
fsr-3389	479	1	in	in	ADP
fsr-3389	479	2	closing	closing	NOUN
fsr-3389	479	3	,	,	PUNCT
fsr-3389	479	4	it	it	PRON
fsr-3389	479	5	is	be	AUX
fsr-3389	479	6	universally	universally	ADV
fsr-3389	479	7	important	important	ADJ
fsr-3389	479	8	to	to	PART
fsr-3389	479	9	recognize	recognize	VERB
fsr-3389	479	10	certain	certain	ADJ
fsr-3389	479	11	things	thing	NOUN
fsr-3389	479	12	about	about	ADP
fsr-3389	479	13	sbp	sbp	NOUN
fsr-3389	479	14	:	:	PUNCT
fsr-3389	479	15	y	y	PROPN
fsr-3389	479	16	the	the	DET
fsr-3389	479	17	expected	expect	VERB
fsr-3389	479	18	returns	return	NOUN
fsr-3389	479	19	are	be	AUX
fsr-3389	479	20	more	more	ADV
fsr-3389	479	21	skewed	skewed	ADJ
fsr-3389	479	22	than	than	SCONJ
fsr-3389	479	23	previously	previously	ADV
fsr-3389	479	24	documented	document	VERB
fsr-3389	479	25	,	,	PUNCT
fsr-3389	479	26	y	y	PROPN
fsr-3389	479	27	well	well	ADV
fsr-3389	479	28	over	over	ADP
fsr-3389	479	29	one	one	NUM
fsr-3389	479	30	-	-	PUNCT
fsr-3389	479	31	half	half	NOUN
fsr-3389	479	32	of	of	ADP
fsr-3389	479	33	retirees	retiree	NOUN
fsr-3389	479	34	in	in	ADP
fsr-3389	479	35	common	common	ADJ
fsr-3389	479	36	situations	situation	NOUN
fsr-3389	479	37	are	be	AUX
fsr-3389	479	38	expected	expect	VERB
fsr-3389	479	39	to	to	PART
fsr-3389	479	40	pay	pay	VERB
fsr-3389	479	41	more	more	ADJ
fsr-3389	479	42	in	in	ADP
fsr-3389	479	43	premiums	premium	NOUN
fsr-3389	479	44	than	than	SCONJ
fsr-3389	479	45	their	their	PRON
fsr-3389	479	46	spouse	spouse	NOUN
fsr-3389	479	47	collects	collect	VERB
fsr-3389	479	48	;	;	PUNCT
fsr-3389	479	49	y	y	X
fsr-3389	479	50	from	from	ADP
fsr-3389	479	51	a	a	DET
fsr-3389	479	52	holistic	holistic	ADJ
fsr-3389	479	53	financial	financial	ADJ
fsr-3389	479	54	planning	planning	NOUN
fsr-3389	479	55	perspective	perspective	NOUN
fsr-3389	479	56	,	,	PUNCT
fsr-3389	479	57	the	the	DET
fsr-3389	479	58	most	most	ADV
fsr-3389	479	59	likely	likely	ADJ
fsr-3389	479	60	mortality	mortality	NOUN
fsr-3389	479	61	scenarios	scenario	NOUN
fsr-3389	479	62	make	make	VERB
fsr-3389	479	63	sbp	sbp	NOUN
fsr-3389	479	64	largely	largely	ADV
fsr-3389	479	65	irrelevant	irrelevant	ADJ
fsr-3389	479	66	;	;	PUNCT
fsr-3389	479	67	and	and	CCONJ
fsr-3389	479	68	y	y	PROPN
fsr-3389	479	69	in	in	ADP
fsr-3389	479	70	circumstances	circumstance	NOUN
fsr-3389	479	71	where	where	SCONJ
fsr-3389	479	72	sbp	sbp	NOUN
fsr-3389	479	73	is	be	AUX
fsr-3389	479	74	most	most	ADV
fsr-3389	479	75	valuable	valuable	ADJ
fsr-3389	479	76	,	,	PUNCT
fsr-3389	479	77	there	there	PRON
fsr-3389	479	78	exist	exist	VERB
fsr-3389	479	79	other	other	ADJ
fsr-3389	479	80	mechanisms	mechanism	NOUN
fsr-3389	479	81	to	to	PART
fsr-3389	479	82	provide	provide	VERB
fsr-3389	479	83	similar	similar	ADJ
fsr-3389	479	84	,	,	PUNCT
fsr-3389	479	85	or	or	CCONJ
fsr-3389	479	86	even	even	ADV
fsr-3389	479	87	enhanced	enhance	VERB
fsr-3389	479	88	,	,	PUNCT
fsr-3389	479	89	financial	financial	ADJ
fsr-3389	479	90	security	security	NOUN
fsr-3389	479	91	.	.	PUNCT
fsr-3389	480	1	yet	yet	ADV
fsr-3389	480	2	,	,	PUNCT
fsr-3389	480	3	because	because	SCONJ
fsr-3389	480	4	of	of	ADP
fsr-3389	480	5	the	the	DET
fsr-3389	480	6	caveats	caveat	NOUN
fsr-3389	480	7	we	we	PRON
fsr-3389	480	8	list	list	VERB
fsr-3389	480	9	,	,	PUNCT
fsr-3389	480	10	which	which	PRON
fsr-3389	480	11	include	include	VERB
fsr-3389	480	12	taxes	taxis	NOUN
fsr-3389	480	13	,	,	PUNCT
fsr-3389	480	14	individual	individual	ADJ
fsr-3389	480	15	-	-	PUNCT
fsr-3389	480	16	unique	unique	ADJ
fsr-3389	480	17	circumstances	circumstance	NOUN
fsr-3389	480	18	,	,	PUNCT
fsr-3389	480	19	behavioral	behavioral	ADJ
fsr-3389	480	20	considerations	consideration	NOUN
fsr-3389	480	21	,	,	PUNCT
fsr-3389	480	22	our	our	PRON
fsr-3389	480	23	assumptions	assumption	NOUN
fsr-3389	480	24	,	,	PUNCT
fsr-3389	480	25	and	and	CCONJ
fsr-3389	480	26	so	so	ADV
fsr-3389	480	27	forth	forth	ADV
fsr-3389	480	28	,	,	PUNCT
fsr-3389	480	29	the	the	DET
fsr-3389	480	30	sbp	sbp	NOUN
fsr-3389	480	31	decision	decision	NOUN
fsr-3389	480	32	is	be	AUX
fsr-3389	480	33	truly	truly	ADV
fsr-3389	480	34	situationspecific	situationspecific	ADJ
fsr-3389	480	35	.	.	PUNCT
fsr-3389	481	1	therefore	therefore	ADV
fsr-3389	481	2	,	,	PUNCT
fsr-3389	481	3	we	we	PRON
fsr-3389	481	4	recommend	recommend	VERB
fsr-3389	481	5	readers	reader	NOUN
fsr-3389	481	6	use	use	VERB
fsr-3389	481	7	this	this	DET
fsr-3389	481	8	article	article	NOUN
fsr-3389	481	9	’s	’s	PART
fsr-3389	481	10	framework	framework	NOUN
fsr-3389	481	11	as	as	ADP
fsr-3389	481	12	a	a	DET
fsr-3389	481	13	baseline	baseline	NOUN
fsr-3389	481	14	for	for	ADP
fsr-3389	481	15	discussing	discuss	VERB
fsr-3389	481	16	this	this	DET
fsr-3389	481	17	important	important	ADJ
fsr-3389	481	18	topic	topic	NOUN
fsr-3389	481	19	with	with	ADP
fsr-3389	481	20	their	their	PRON
fsr-3389	481	21	own	own	ADJ
fsr-3389	481	22	clients	client	NOUN
fsr-3389	481	23	or	or	CCONJ
fsr-3389	481	24	planners	planner	NOUN
fsr-3389	481	25	before	before	ADP
fsr-3389	481	26	making	make	VERB
fsr-3389	481	27	a	a	DET
fsr-3389	481	28	potentially	potentially	ADV
fsr-3389	481	29	life	life	NOUN
fsr-3389	481	30	-	-	PUNCT
fsr-3389	481	31	altering	alter	VERB
fsr-3389	481	32	decision	decision	NOUN
fsr-3389	481	33	.	.	PUNCT
fsr-3389	482	1	we	we	PRON
fsr-3389	482	2	recommend	recommend	VERB
fsr-3389	482	3	having	have	VERB
fsr-3389	482	4	this	this	DET
fsr-3389	482	5	conversation	conversation	NOUN
fsr-3389	482	6	two	two	NUM
fsr-3389	482	7	to	to	PART
fsr-3389	482	8	five	five	NUM
fsr-3389	482	9	years	year	NOUN
fsr-3389	482	10	before	before	ADP
fsr-3389	482	11	retirement	retirement	NOUN
fsr-3389	482	12	.	.	PUNCT
fsr-3389	483	1	for	for	ADP
fsr-3389	483	2	our	our	PRON
fsr-3389	483	3	part	part	NOUN
fsr-3389	483	4	,	,	PUNCT
fsr-3389	483	5	we	we	PRON
fsr-3389	483	6	are	be	AUX
fsr-3389	483	7	eating	eat	VERB
fsr-3389	483	8	our	our	PRON
fsr-3389	483	9	own	own	ADJ
fsr-3389	483	10	cooking	cooking	NOUN
fsr-3389	483	11	:	:	PUNCT
fsr-3389	483	12	those	those	PRON
fsr-3389	483	13	of	of	ADP
fsr-3389	483	14	us	we	PRON
fsr-3389	483	15	who	who	PRON
fsr-3389	483	16	are	be	AUX
fsr-3389	483	17	eligible	eligible	ADJ
fsr-3389	483	18	have	have	AUX
fsr-3389	483	19	purchased	purchase	VERB
fsr-3389	483	20	term	term	NOUN
fsr-3389	483	21	life	life	NOUN
fsr-3389	483	22	policies	policy	NOUN
fsr-3389	483	23	and	and	CCONJ
fsr-3389	483	24	declined	decline	VERB
fsr-3389	483	25	sbp.18	sbp.18	ADJ
fsr-3389	483	26	notes	note	NOUN
fsr-3389	483	27	1	1	NUM
fsr-3389	483	28	the	the	DET
fsr-3389	483	29	analysis	analysis	NOUN
fsr-3389	483	30	in	in	ADP
fsr-3389	483	31	this	this	DET
fsr-3389	483	32	article	article	NOUN
fsr-3389	483	33	clearly	clearly	ADV
fsr-3389	483	34	assumes	assume	VERB
fsr-3389	483	35	that	that	SCONJ
fsr-3389	483	36	the	the	DET
fsr-3389	483	37	couple	couple	NOUN
fsr-3389	483	38	needs	need	VERB
fsr-3389	483	39	to	to	PART
fsr-3389	483	40	protect	protect	VERB
fsr-3389	483	41	the	the	DET
fsr-3389	483	42	db	db	PROPN
fsr-3389	483	43	recipient	recipient	NOUN
fsr-3389	483	44	’s	’s	PART
fsr-3389	483	45	pension	pension	NOUN
fsr-3389	483	46	out	out	ADP
fsr-3389	483	47	of	of	ADP
fsr-3389	483	48	a	a	DET
fsr-3389	483	49	need	need	NOUN
fsr-3389	483	50	for	for	ADP
fsr-3389	483	51	the	the	DET
fsr-3389	483	52	income	income	NOUN
fsr-3389	483	53	replacement	replacement	NOUN
fsr-3389	483	54	.	.	PUNCT
fsr-3389	484	1	this	this	PRON
fsr-3389	484	2	would	would	AUX
fsr-3389	484	3	not	not	PART
fsr-3389	484	4	be	be	AUX
fsr-3389	484	5	the	the	DET
fsr-3389	484	6	case	case	NOUN
fsr-3389	484	7	if	if	SCONJ
fsr-3389	484	8	,	,	PUNCT
fsr-3389	484	9	for	for	ADP
fsr-3389	484	10	instance	instance	NOUN
fsr-3389	484	11	,	,	PUNCT
fsr-3389	484	12	the	the	DET
fsr-3389	484	13	couple	couple	NOUN
fsr-3389	484	14	had	have	VERB
fsr-3389	484	15	substantial	substantial	ADJ
fsr-3389	484	16	wealth	wealth	NOUN
fsr-3389	484	17	(	(	PUNCT
fsr-3389	484	18	e.g.	e.g.	ADV
fsr-3389	484	19	,	,	PUNCT
fsr-3389	484	20	recent	recent	ADJ
fsr-3389	484	21	inheritance	inheritance	NOUN
fsr-3389	484	22	or	or	CCONJ
fsr-3389	484	23	longstanding	longstanding	ADJ
fsr-3389	484	24	trust	trust	NOUN
fsr-3389	484	25	)	)	PUNCT
fsr-3389	484	26	or	or	CCONJ
fsr-3389	484	27	income	income	NOUN
fsr-3389	484	28	(	(	PUNCT
fsr-3389	484	29	e.g.	e.g.	ADV
fsr-3389	484	30	,	,	PUNCT
fsr-3389	484	31	spouse	spouse	NOUN
fsr-3389	484	32	earns	earn	VERB
fsr-3389	484	33	high	high	ADJ
fsr-3389	484	34	income	income	NOUN
fsr-3389	484	35	independently	independently	ADV
fsr-3389	484	36	)	)	PUNCT
fsr-3389	484	37	that	that	PRON
fsr-3389	484	38	would	would	AUX
fsr-3389	484	39	provide	provide	VERB
fsr-3389	484	40	for	for	ADP
fsr-3389	484	41	the	the	DET
fsr-3389	484	42	family	family	NOUN
fsr-3389	484	43	’s	’s	PART
fsr-3389	484	44	needs	need	NOUN
fsr-3389	484	45	upon	upon	SCONJ
fsr-3389	484	46	the	the	DET
fsr-3389	484	47	death	death	NOUN
fsr-3389	484	48	of	of	ADP
fsr-3389	484	49	the	the	DET
fsr-3389	484	50	db	db	PROPN
fsr-3389	484	51	recipient	recipient	NOUN
fsr-3389	484	52	.	.	PUNCT
fsr-3389	485	1	2	2	NUM
fsr-3389	486	1	although	although	SCONJ
fsr-3389	486	2	the	the	DET
fsr-3389	486	3	outcome	outcome	NOUN
fsr-3389	486	4	is	be	AUX
fsr-3389	486	5	still	still	ADV
fsr-3389	486	6	an	an	DET
fsr-3389	486	7	actuarial	actuarial	ADJ
fsr-3389	486	8	loss	loss	NOUN
fsr-3389	486	9	to	to	ADP
fsr-3389	486	10	the	the	DET
fsr-3389	486	11	military	military	ADJ
fsr-3389	486	12	retiree	retiree	NOUN
fsr-3389	486	13	,	,	PUNCT
fsr-3389	486	14	the	the	DET
fsr-3389	486	15	one	one	NUM
fsr-3389	486	16	exception	exception	NOUN
fsr-3389	486	17	we	we	PRON
fsr-3389	486	18	would	would	AUX
fsr-3389	486	19	recommend	recommend	VERB
fsr-3389	486	20	is	be	AUX
fsr-3389	486	21	strong	strong	ADJ
fsr-3389	486	22	consideration	consideration	NOUN
fsr-3389	486	23	of	of	ADP
fsr-3389	486	24	the	the	DET
fsr-3389	486	25	a	a	DET
fsr-3389	486	26	la	la	PROPN
fsr-3389	486	27	carte	carte	NOUN
fsr-3389	486	28	child	child	NOUN
fsr-3389	486	29	coverage	coverage	NOUN
fsr-3389	486	30	when	when	SCONJ
fsr-3389	486	31	military	military	ADJ
fsr-3389	486	32	retirees	retiree	NOUN
fsr-3389	486	33	have	have	VERB
fsr-3389	486	34	young	young	ADJ
fsr-3389	486	35	children	child	NOUN
fsr-3389	486	36	.	.	PUNCT
fsr-3389	487	1	169w.w	169w.w	X
fsr-3389	487	2	.	.	PUNCT
fsr-3389	488	1	jennings	jennings	PROPN
fsr-3389	488	2	et	et	PROPN
fsr-3389	488	3	al	al	PROPN
fsr-3389	488	4	.	.	PUNCT
fsr-3389	488	5	/	/	SYM
fsr-3389	488	6	financial	financial	ADJ
fsr-3389	488	7	services	service	NOUN
fsr-3389	488	8	review	review	VERB
fsr-3389	488	9	27	27	NUM
fsr-3389	488	10	(	(	PUNCT
fsr-3389	488	11	2018	2018	NUM
fsr-3389	488	12	)	)	PUNCT
fsr-3389	488	13	147	147	NUM
fsr-3389	488	14	-	-	SYM
fsr-3389	488	15	172	172	NUM
fsr-3389	488	16	3	3	NUM
fsr-3389	488	17	this	this	DET
fsr-3389	488	18	option	option	NOUN
fsr-3389	488	19	is	be	AUX
fsr-3389	488	20	now	now	ADV
fsr-3389	488	21	changing	change	VERB
fsr-3389	488	22	under	under	ADP
fsr-3389	488	23	the	the	DET
fsr-3389	488	24	new	new	ADJ
fsr-3389	488	25	blended	blended	ADJ
fsr-3389	488	26	retirement	retirement	NOUN
fsr-3389	488	27	system	system	NOUN
fsr-3389	488	28	.	.	PUNCT
fsr-3389	489	1	for	for	ADP
fsr-3389	489	2	analysis	analysis	NOUN
fsr-3389	489	3	of	of	ADP
fsr-3389	489	4	this	this	DET
fsr-3389	489	5	new	new	ADJ
fsr-3389	489	6	option	option	NOUN
fsr-3389	489	7	,	,	PUNCT
fsr-3389	489	8	see	see	VERB
fsr-3389	489	9	payne	payne	PROPN
fsr-3389	489	10	et	et	PROPN
fsr-3389	489	11	al	al	PROPN
fsr-3389	489	12	,	,	PUNCT
fsr-3389	489	13	2018	2018	NUM
fsr-3389	489	14	.	.	PUNCT
fsr-3389	490	1	4	4	NUM
fsr-3389	490	2	while	while	SCONJ
fsr-3389	490	3	lesser	less	ADJ
fsr-3389	490	4	amounts	amount	NOUN
fsr-3389	490	5	of	of	ADP
fsr-3389	490	6	coverage	coverage	NOUN
fsr-3389	490	7	for	for	ADP
fsr-3389	490	8	the	the	DET
fsr-3389	490	9	beneficiary	beneficiary	NOUN
fsr-3389	490	10	are	be	AUX
fsr-3389	490	11	possible	possible	ADJ
fsr-3389	490	12	,	,	PUNCT
fsr-3389	490	13	it	it	PRON
fsr-3389	490	14	is	be	AUX
fsr-3389	490	15	worth	worth	ADJ
fsr-3389	490	16	comparing	compare	VERB
fsr-3389	490	17	the	the	DET
fsr-3389	490	18	benefits	benefit	NOUN
fsr-3389	490	19	of	of	ADP
fsr-3389	490	20	comparable	comparable	ADJ
fsr-3389	490	21	private	private	ADJ
fsr-3389	490	22	insurance	insurance	NOUN
fsr-3389	490	23	that	that	PRON
fsr-3389	490	24	we	we	PRON
fsr-3389	490	25	describe	describe	VERB
fsr-3389	490	26	later	later	ADV
fsr-3389	490	27	.	.	PUNCT
fsr-3389	491	1	details	detail	NOUN
fsr-3389	491	2	on	on	ADP
fsr-3389	491	3	this	this	DET
fsr-3389	491	4	lesser	less	ADJ
fsr-3389	491	5	coverage	coverage	NOUN
fsr-3389	491	6	and	and	CCONJ
fsr-3389	491	7	benefit	benefit	NOUN
fsr-3389	491	8	appear	appear	VERB
fsr-3389	491	9	here	here	ADV
fsr-3389	491	10	:	:	PUNCT
fsr-3389	491	11	http://militarypay.defense.gov/benefits/	http://militarypay.defense.gov/benefits/	NOUN
fsr-3389	491	12	survivor	survivor	NOUN
fsr-3389	491	13	-	-	PUNCT
fsr-3389	491	14	benefit	benefit	NOUN
fsr-3389	491	15	-	-	PUNCT
fsr-3389	491	16	program	program	NOUN
fsr-3389	491	17	/	/	SYM
fsr-3389	491	18	costs	cost	NOUN
fsr-3389	491	19	-	-	PUNCT
fsr-3389	491	20	and	and	CCONJ
fsr-3389	491	21	-	-	PUNCT
fsr-3389	491	22	benefits	benefit	NOUN
fsr-3389	491	23	/	/	SYM
fsr-3389	491	24	spouse	spouse	NOUN
fsr-3389	491	25	-	-	PUNCT
fsr-3389	491	26	coverage/.	coverage/.	NOUN
fsr-3389	491	27	5	5	NUM
fsr-3389	491	28	source	source	NOUN
fsr-3389	491	29	:	:	PUNCT
fsr-3389	491	30	“	"	PUNCT
fsr-3389	491	31	valuation	valuation	NOUN
fsr-3389	491	32	of	of	ADP
fsr-3389	491	33	the	the	DET
fsr-3389	491	34	military	military	ADJ
fsr-3389	491	35	retirement	retirement	NOUN
fsr-3389	491	36	system	system	NOUN
fsr-3389	491	37	,	,	PUNCT
fsr-3389	491	38	”	"	PUNCT
fsr-3389	491	39	september	september	PROPN
fsr-3389	491	40	30	30	NUM
fsr-3389	491	41	,	,	PUNCT
fsr-3389	491	42	2013	2013	NUM
fsr-3389	491	43	and	and	CCONJ
fsr-3389	491	44	revised	revise	VERB
fsr-3389	491	45	january	january	PROPN
fsr-3389	491	46	2015	2015	NUM
fsr-3389	491	47	,	,	PUNCT
fsr-3389	491	48	produced	produce	VERB
fsr-3389	491	49	by	by	ADP
fsr-3389	491	50	the	the	DET
fsr-3389	491	51	department	department	PROPN
fsr-3389	491	52	of	of	ADP
fsr-3389	491	53	defense	defense	PROPN
fsr-3389	491	54	(	(	PUNCT
fsr-3389	491	55	dod	dod	PROPN
fsr-3389	491	56	)	)	PUNCT
fsr-3389	491	57	actuary	actuary	PROPN
fsr-3389	491	58	(	(	PUNCT
fsr-3389	491	59	department	department	PROPN
fsr-3389	491	60	of	of	ADP
fsr-3389	491	61	defense	defense	PROPN
fsr-3389	491	62	office	office	NOUN
fsr-3389	491	63	of	of	ADP
fsr-3389	491	64	the	the	DET
fsr-3389	491	65	actuary	actuary	NOUN
fsr-3389	491	66	,	,	PUNCT
fsr-3389	491	67	2013	2013	NUM
fsr-3389	491	68	)	)	PUNCT
fsr-3389	491	69	.	.	PUNCT
fsr-3389	492	1	note	note	VERB
fsr-3389	492	2	that	that	SCONJ
fsr-3389	492	3	we	we	PRON
fsr-3389	492	4	had	have	VERB
fsr-3389	492	5	to	to	PART
fsr-3389	492	6	extrapolate	extrapolate	VERB
fsr-3389	492	7	mortality	mortality	NOUN
fsr-3389	492	8	probabilities	probability	NOUN
fsr-3389	492	9	for	for	ADP
fsr-3389	492	10	retirees	retiree	NOUN
fsr-3389	492	11	beyond	beyond	ADP
fsr-3389	492	12	age	age	NOUN
fsr-3389	492	13	109	109	NUM
fsr-3389	492	14	,	,	PUNCT
fsr-3389	492	15	as	as	SCONJ
fsr-3389	492	16	that	that	PRON
fsr-3389	492	17	is	be	AUX
fsr-3389	492	18	the	the	DET
fsr-3389	492	19	age	age	NOUN
fsr-3389	492	20	the	the	DET
fsr-3389	492	21	dod	dod	PROPN
fsr-3389	492	22	actuary	actuary	NOUN
fsr-3389	492	23	ended	end	VERB
fsr-3389	492	24	its	its	PRON
fsr-3389	492	25	tables	table	NOUN
fsr-3389	492	26	.	.	PUNCT
fsr-3389	493	1	we	we	PRON
fsr-3389	493	2	assumed	assume	VERB
fsr-3389	493	3	a	a	DET
fsr-3389	493	4	maximum	maximum	ADJ
fsr-3389	493	5	lifespan	lifespan	NOUN
fsr-3389	493	6	of	of	ADP
fsr-3389	493	7	120	120	NUM
fsr-3389	493	8	years	year	NOUN
fsr-3389	493	9	,	,	PUNCT
fsr-3389	493	10	with	with	ADP
fsr-3389	493	11	exceedingly	exceedingly	ADV
fsr-3389	493	12	low	low	ADJ
fsr-3389	493	13	probabilities	probability	NOUN
fsr-3389	493	14	of	of	ADP
fsr-3389	493	15	living	live	VERB
fsr-3389	493	16	beyond	beyond	ADP
fsr-3389	493	17	109	109	NUM
fsr-3389	493	18	.	.	PUNCT
fsr-3389	494	1	our	our	PRON
fsr-3389	494	2	extension	extension	NOUN
fsr-3389	494	3	was	be	AUX
fsr-3389	494	4	informed	inform	VERB
fsr-3389	494	5	by	by	ADP
fsr-3389	494	6	soa	soa	PROPN
fsr-3389	494	7	rp-2014	rp-2014	PROPN
fsr-3389	494	8	.	.	PUNCT
fsr-3389	495	1	we	we	PRON
fsr-3389	495	2	obtained	obtain	VERB
fsr-3389	495	3	social	social	ADJ
fsr-3389	495	4	security	security	NOUN
fsr-3389	495	5	data	datum	NOUN
fsr-3389	495	6	from	from	ADP
fsr-3389	495	7	the	the	DET
fsr-3389	495	8	social	social	ADJ
fsr-3389	495	9	sec	sec	PROPN
fsr-3389	495	10	.	.	PUNCT
fsr-3389	495	11	office	office	NOUN
fsr-3389	495	12	of	of	ADP
fsr-3389	495	13	the	the	DET
fsr-3389	495	14	chief	chief	ADJ
fsr-3389	495	15	actuary	actuary	NOUN
fsr-3389	495	16	2014	2014	NUM
fsr-3389	495	17	.	.	PUNCT
fsr-3389	496	1	6	6	NUM
fsr-3389	496	2	http://actuary.defense.gov/	http://actuary.defense.gov/	ADV
fsr-3389	496	3	,	,	PUNCT
fsr-3389	496	4	“	"	PUNCT
fsr-3389	496	5	statistical	statistical	ADJ
fsr-3389	496	6	report	report	NOUN
fsr-3389	496	7	on	on	ADP
fsr-3389	496	8	the	the	DET
fsr-3389	496	9	military	military	ADJ
fsr-3389	496	10	retirement	retirement	NOUN
fsr-3389	496	11	systemseptember	systemseptember	PROPN
fsr-3389	496	12	30	30	NUM
fsr-3389	496	13	,	,	PUNCT
fsr-3389	496	14	2013	2013	NUM
fsr-3389	496	15	,	,	PUNCT
fsr-3389	496	16	”	"	PUNCT
fsr-3389	496	17	table	table	NOUN
fsr-3389	496	18	:	:	PUNCT
fsr-3389	496	19	military	military	ADJ
fsr-3389	496	20	retirees	retiree	NOUN
fsr-3389	496	21	by	by	ADP
fsr-3389	496	22	gender	gender	NOUN
fsr-3389	496	23	and	and	CCONJ
fsr-3389	496	24	branch	branch	NOUN
fsr-3389	496	25	of	of	ADP
fsr-3389	496	26	service	service	NOUN
fsr-3389	496	27	as	as	ADP
fsr-3389	496	28	of	of	ADP
fsr-3389	496	29	september	september	PROPN
fsr-3389	496	30	30	30	NUM
fsr-3389	496	31	,	,	PUNCT
fsr-3389	496	32	2013	2013	NUM
fsr-3389	496	33	.	.	PUNCT
fsr-3389	496	34	7	7	NUM
fsr-3389	496	35	http://www.militaryonesource.mil/12038/mos/reports/2012_demographics_report	http://www.militaryonesource.mil/12038/mos/reports/2012_demographics_report	PROPN
fsr-3389	496	36	.	.	PUNCT
fsr-3389	496	37	pdf	pdf	NOUN
fsr-3389	496	38	,	,	PUNCT
fsr-3389	496	39	“	"	PUNCT
fsr-3389	496	40	2012	2012	NUM
fsr-3389	496	41	demographics	demographic	NOUN
fsr-3389	496	42	:	:	PUNCT
fsr-3389	496	43	profile	profile	NOUN
fsr-3389	496	44	of	of	ADP
fsr-3389	496	45	the	the	DET
fsr-3389	496	46	military	military	ADJ
fsr-3389	496	47	community	community	NOUN
fsr-3389	496	48	,	,	PUNCT
fsr-3389	496	49	”	"	PUNCT
fsr-3389	496	50	table	table	NOUN
fsr-3389	496	51	2.57	2.57	NUM
fsr-3389	496	52	:	:	PUNCT
fsr-3389	496	53	number	number	NOUN
fsr-3389	496	54	and	and	CCONJ
fsr-3389	496	55	percentage	percentage	NOUN
fsr-3389	496	56	of	of	ADP
fsr-3389	496	57	active	active	ADJ
fsr-3389	496	58	duty	duty	NOUN
fsr-3389	496	59	officers	officer	NOUN
fsr-3389	496	60	and	and	CCONJ
fsr-3389	496	61	enlisted	enlist	VERB
fsr-3389	496	62	members	member	NOUN
fsr-3389	496	63	in	in	ADP
fsr-3389	496	64	dual	dual	ADJ
fsr-3389	496	65	-	-	PUNCT
fsr-3389	496	66	military	military	ADJ
fsr-3389	496	67	marriages	marriage	NOUN
fsr-3389	496	68	by	by	ADP
fsr-3389	496	69	service	service	NOUN
fsr-3389	496	70	branch	branch	NOUN
fsr-3389	496	71	.	.	PUNCT
fsr-3389	497	1	8	8	NUM
fsr-3389	497	2	some	some	PRON
fsr-3389	497	3	(	(	PUNCT
fsr-3389	497	4	e.g.	e.g.	ADV
fsr-3389	497	5	,	,	PUNCT
fsr-3389	497	6	jennings	jennings	PROPN
fsr-3389	497	7	and	and	CCONJ
fsr-3389	497	8	reichenstein	reichenstein	PROPN
fsr-3389	497	9	,	,	PUNCT
fsr-3389	497	10	2003	2003	NUM
fsr-3389	497	11	)	)	PUNCT
fsr-3389	497	12	might	might	AUX
fsr-3389	497	13	argue	argue	VERB
fsr-3389	497	14	we	we	PRON
fsr-3389	497	15	should	should	AUX
fsr-3389	497	16	use	use	VERB
fsr-3389	497	17	the	the	DET
fsr-3389	497	18	tips	tip	NOUN
fsr-3389	497	19	rate	rate	NOUN
fsr-3389	497	20	for	for	ADP
fsr-3389	497	21	the	the	DET
fsr-3389	497	22	real	real	ADJ
fsr-3389	497	23	discount	discount	NOUN
fsr-3389	497	24	rate	rate	NOUN
fsr-3389	497	25	;	;	PUNCT
fsr-3389	497	26	however	however	ADV
fsr-3389	497	27	,	,	PUNCT
fsr-3389	497	28	staying	stay	VERB
fsr-3389	497	29	on	on	ADP
fsr-3389	497	30	the	the	DET
fsr-3389	497	31	other	other	ADJ
fsr-3389	497	32	side	side	NOUN
fsr-3389	497	33	of	of	ADP
fsr-3389	497	34	that	that	DET
fsr-3389	497	35	argument	argument	NOUN
fsr-3389	497	36	makes	make	VERB
fsr-3389	497	37	our	our	PRON
fsr-3389	497	38	analysis	analysis	NOUN
fsr-3389	497	39	more	more	ADV
fsr-3389	497	40	conservative	conservative	ADJ
fsr-3389	497	41	(	(	PUNCT
fsr-3389	497	42	i.e.	i.e.	X
fsr-3389	497	43	,	,	PUNCT
fsr-3389	497	44	more	more	ADV
fsr-3389	497	45	favorable	favorable	ADJ
fsr-3389	497	46	to	to	PART
fsr-3389	497	47	sbp	sbp	VERB
fsr-3389	497	48	than	than	SCONJ
fsr-3389	497	49	it	it	PRON
fsr-3389	497	50	would	would	AUX
fsr-3389	497	51	be	be	AUX
fsr-3389	497	52	if	if	SCONJ
fsr-3389	497	53	we	we	PRON
fsr-3389	497	54	used	use	VERB
fsr-3389	497	55	a	a	DET
fsr-3389	497	56	tips	tips	NOUN
fsr-3389	497	57	rate	rate	NOUN
fsr-3389	497	58	)	)	PUNCT
fsr-3389	497	59	.	.	PUNCT
fsr-3389	498	1	the	the	DET
fsr-3389	498	2	online	online	ADJ
fsr-3389	498	3	calculator	calculator	NOUN
fsr-3389	498	4	permits	permit	VERB
fsr-3389	498	5	the	the	DET
fsr-3389	498	6	user	user	NOUN
fsr-3389	498	7	to	to	PART
fsr-3389	498	8	make	make	VERB
fsr-3389	498	9	this	this	DET
fsr-3389	498	10	adjustment	adjustment	NOUN
fsr-3389	498	11	.	.	PUNCT
fsr-3389	499	1	9	9	NUM
fsr-3389	499	2	for	for	ADP
fsr-3389	499	3	the	the	DET
fsr-3389	499	4	officer	officer	NOUN
fsr-3389	499	5	,	,	PUNCT
fsr-3389	499	6	monthly	monthly	ADJ
fsr-3389	499	7	premiums	premium	NOUN
fsr-3389	499	8	equal	equal	ADJ
fsr-3389	499	9	6.5	6.5	NUM
fsr-3389	499	10	%	%	NOUN
fsr-3389	499	11	�	�	PROPN
fsr-3389	499	12	$	$	SYM
fsr-3389	499	13	55,000/12	55,000/12	NUM
fsr-3389	499	14	�	�	PROPN
fsr-3389	499	15	$	$	SYM
fsr-3389	499	16	297.92	297.92	NUM
fsr-3389	499	17	�	�	NOUN
fsr-3389	499	18	72	72	NUM
fsr-3389	499	19	months	month	NOUN
fsr-3389	499	20	�	�	PROPN
fsr-3389	499	21	$	$	SYM
fsr-3389	499	22	21,450	21,450	NUM
fsr-3389	499	23	.	.	PUNCT
fsr-3389	500	1	annual	annual	ADJ
fsr-3389	500	2	benefits	benefit	NOUN
fsr-3389	500	3	are	be	AUX
fsr-3389	500	4	55	55	NUM
fsr-3389	500	5	%	%	NOUN
fsr-3389	500	6	�	�	PROPN
fsr-3389	500	7	$	$	SYM
fsr-3389	500	8	55,000	55,000	NUM
fsr-3389	500	9	�	�	NOUN
fsr-3389	500	10	$	$	SYM
fsr-3389	500	11	30,250	30,250	NUM
fsr-3389	500	12	�	�	NOUN
fsr-3389	500	13	20	20	NUM
fsr-3389	500	14	years	year	NOUN
fsr-3389	500	15	�	�	PROPN
fsr-3389	500	16	$	$	SYM
fsr-3389	500	17	605,000	605,000	NUM
fsr-3389	500	18	.	.	PUNCT
fsr-3389	501	1	the	the	DET
fsr-3389	501	2	enlisted	enlist	VERB
fsr-3389	501	3	calculations	calculation	NOUN
fsr-3389	501	4	are	be	AUX
fsr-3389	501	5	identical	identical	ADJ
fsr-3389	501	6	,	,	PUNCT
fsr-3389	501	7	except	except	SCONJ
fsr-3389	501	8	they	they	PRON
fsr-3389	501	9	begin	begin	VERB
fsr-3389	501	10	with	with	ADP
fsr-3389	501	11	a	a	DET
fsr-3389	501	12	$	$	SYM
fsr-3389	501	13	2,100	2,100	NUM
fsr-3389	501	14	per	per	ADP
fsr-3389	501	15	month	month	NOUN
fsr-3389	501	16	pension	pension	NOUN
fsr-3389	501	17	benefit	benefit	NOUN
fsr-3389	501	18	.	.	PUNCT
fsr-3389	502	1	10	10	NUM
fsr-3389	502	2	for	for	ADP
fsr-3389	502	3	benefits	benefit	NOUN
fsr-3389	502	4	to	to	PART
fsr-3389	502	5	outweigh	outweigh	VERB
fsr-3389	502	6	costs	cost	NOUN
fsr-3389	502	7	,	,	PUNCT
fsr-3389	502	8	the	the	DET
fsr-3389	502	9	ratio	ratio	NOUN
fsr-3389	502	10	of	of	ADP
fsr-3389	502	11	spouse	spouse	NOUN
fsr-3389	502	12	lifespan	lifespan	NOUN
fsr-3389	502	13	after	after	ADP
fsr-3389	502	14	retiree	retiree	NOUN
fsr-3389	502	15	death	death	NOUN
fsr-3389	502	16	/	/	SYM
fsr-3389	502	17	insured	insure	VERB
fsr-3389	502	18	retiree	retiree	NOUN
fsr-3389	502	19	lifespan	lifespan	NOUN
fsr-3389	502	20	after	after	SCONJ
fsr-3389	502	21	retirement	retirement	NOUN
fsr-3389	502	22	must	must	AUX
fsr-3389	502	23	be	be	AUX
fsr-3389	502	24	greater	great	ADJ
fsr-3389	502	25	than	than	ADP
fsr-3389	502	26	the	the	DET
fsr-3389	502	27	ratio	ratio	NOUN
fsr-3389	502	28	of	of	ADP
fsr-3389	502	29	total	total	ADJ
fsr-3389	502	30	premiums	premium	NOUN
fsr-3389	502	31	�	�	PROPN
fsr-3389	502	32	6.5%/total	6.5%/total	ADJ
fsr-3389	502	33	benefits	benefit	NOUN
fsr-3389	502	34	�	�	PROPN
fsr-3389	502	35	55	55	NUM
fsr-3389	502	36	%	%	NOUN
fsr-3389	502	37	,	,	PUNCT
fsr-3389	502	38	which	which	PRON
fsr-3389	502	39	equals	equal	VERB
fsr-3389	502	40	0.12	0.12	NUM
fsr-3389	502	41	.	.	PUNCT
fsr-3389	503	1	thus	thus	ADV
fsr-3389	503	2	,	,	PUNCT
fsr-3389	503	3	the	the	DET
fsr-3389	503	4	spouse	spouse	NOUN
fsr-3389	503	5	lifespan	lifespan	NOUN
fsr-3389	503	6	after	after	SCONJ
fsr-3389	503	7	retiree	retiree	NOUN
fsr-3389	503	8	death	death	NOUN
fsr-3389	503	9	must	must	AUX
fsr-3389	503	10	be	be	AUX
fsr-3389	503	11	greater	great	ADJ
fsr-3389	503	12	than	than	ADP
fsr-3389	503	13	0.12	0.12	NUM
fsr-3389	503	14	�	�	PROPN
fsr-3389	503	15	insured	insure	VERB
fsr-3389	503	16	retiree	retiree	NOUN
fsr-3389	503	17	’s	’s	PART
fsr-3389	503	18	lifespan	lifespan	NOUN
fsr-3389	503	19	as	as	ADP
fsr-3389	503	20	a	a	DET
fsr-3389	503	21	military	military	ADJ
fsr-3389	503	22	pension	pension	NOUN
fsr-3389	503	23	recipient	recipient	NOUN
fsr-3389	503	24	and	and	CCONJ
fsr-3389	503	25	sbp	sbp	NOUN
fsr-3389	503	26	premium	premium	NOUN
fsr-3389	503	27	payer	payer	NOUN
fsr-3389	503	28	.	.	PUNCT
fsr-3389	504	1	11	11	NUM
fsr-3389	504	2	http://militarypay.defense.gov/benefits/survivor-benefit-program/overview/	http://militarypay.defense.gov/benefits/survivor-benefit-program/overview/	NOUN
fsr-3389	504	3	12	12	NUM
fsr-3389	504	4	because	because	SCONJ
fsr-3389	504	5	pfau	pfau	NOUN
fsr-3389	504	6	(	(	PUNCT
fsr-3389	504	7	2015	2015	NUM
fsr-3389	504	8	)	)	PUNCT
fsr-3389	504	9	makes	make	VERB
fsr-3389	504	10	a	a	DET
fsr-3389	504	11	compelling	compelling	ADJ
fsr-3389	504	12	case	case	NOUN
fsr-3389	504	13	for	for	ADP
fsr-3389	504	14	considering	consider	VERB
fsr-3389	504	15	whole	whole	ADJ
fsr-3389	504	16	life	life	NOUN
fsr-3389	504	17	insurance	insurance	NOUN
fsr-3389	504	18	as	as	ADP
fsr-3389	504	19	a	a	DET
fsr-3389	504	20	part	part	NOUN
fsr-3389	504	21	of	of	ADP
fsr-3389	504	22	holistic	holistic	ADJ
fsr-3389	504	23	retirement	retirement	NOUN
fsr-3389	504	24	planning	planning	NOUN
fsr-3389	504	25	,	,	PUNCT
fsr-3389	504	26	we	we	PRON
fsr-3389	504	27	emphasize	emphasize	VERB
fsr-3389	504	28	our	our	PRON
fsr-3389	504	29	recommendation	recommendation	NOUN
fsr-3389	504	30	that	that	SCONJ
fsr-3389	504	31	couples	couple	NOUN
fsr-3389	504	32	seek	seek	VERB
fsr-3389	504	33	competent	competent	ADJ
fsr-3389	504	34	financial	financial	ADJ
fsr-3389	504	35	advice	advice	NOUN
fsr-3389	504	36	when	when	SCONJ
fsr-3389	504	37	considering	consider	VERB
fsr-3389	504	38	this	this	DET
fsr-3389	504	39	option	option	NOUN
fsr-3389	504	40	.	.	PUNCT
fsr-3389	505	1	13	13	NUM
fsr-3389	505	2	as	as	ADP
fsr-3389	505	3	an	an	DET
fsr-3389	505	4	astute	astute	ADJ
fsr-3389	505	5	reviewer	reviewer	NOUN
fsr-3389	505	6	pointed	point	VERB
fsr-3389	505	7	out	out	ADP
fsr-3389	505	8	,	,	PUNCT
fsr-3389	505	9	if	if	SCONJ
fsr-3389	505	10	one	one	NUM
fsr-3389	505	11	were	be	AUX
fsr-3389	505	12	not	not	PART
fsr-3389	505	13	comfortable	comfortable	ADJ
fsr-3389	505	14	assuming	assume	VERB
fsr-3389	505	15	a	a	DET
fsr-3389	505	16	3.5	3.5	NUM
fsr-3389	505	17	–	–	PUNCT
fsr-3389	505	18	4	4	NUM
fsr-3389	505	19	%	%	NOUN
fsr-3389	505	20	payout	payout	NOUN
fsr-3389	505	21	assumption	assumption	NOUN
fsr-3389	505	22	since	since	SCONJ
fsr-3389	505	23	bengen	bengen	NOUN
fsr-3389	505	24	(	(	PUNCT
fsr-3389	505	25	1994	1994	NUM
fsr-3389	505	26	)	)	PUNCT
fsr-3389	505	27	evaluates	evaluate	VERB
fsr-3389	505	28	a	a	DET
fsr-3389	505	29	risky	risky	ADJ
fsr-3389	505	30	investment	investment	NOUN
fsr-3389	505	31	portfolio	portfolio	NOUN
fsr-3389	505	32	,	,	PUNCT
fsr-3389	505	33	then	then	ADV
fsr-3389	505	34	doing	do	VERB
fsr-3389	505	35	so	so	ADV
fsr-3389	505	36	would	would	AUX
fsr-3389	505	37	require	require	VERB
fsr-3389	505	38	upward	upward	ADJ
fsr-3389	505	39	adjustments	adjustment	NOUN
fsr-3389	505	40	for	for	ADP
fsr-3389	505	41	insurance	insurance	NOUN
fsr-3389	505	42	premiums	premium	NOUN
fsr-3389	505	43	and	and	CCONJ
fsr-3389	505	44	downward	downward	ADJ
fsr-3389	505	45	adjustments	adjustment	NOUN
fsr-3389	505	46	for	for	ADP
fsr-3389	505	47	the	the	DET
fsr-3389	505	48	invested	invest	VERB
fsr-3389	505	49	difference	difference	NOUN
fsr-3389	505	50	relative	relative	ADJ
fsr-3389	505	51	to	to	ADP
fsr-3389	505	52	what	what	PRON
fsr-3389	505	53	we	we	PRON
fsr-3389	505	54	present	present	VERB
fsr-3389	505	55	here	here	ADV
fsr-3389	505	56	.	.	PUNCT
fsr-3389	506	1	we	we	PRON
fsr-3389	506	2	do	do	AUX
fsr-3389	506	3	not	not	PART
fsr-3389	506	4	explore	explore	VERB
fsr-3389	506	5	these	these	DET
fsr-3389	506	6	alternatives	alternative	NOUN
fsr-3389	506	7	in	in	ADP
fsr-3389	506	8	this	this	DET
fsr-3389	506	9	analysis	analysis	NOUN
fsr-3389	506	10	,	,	PUNCT
fsr-3389	506	11	but	but	CCONJ
fsr-3389	506	12	they	they	PRON
fsr-3389	506	13	are	be	AUX
fsr-3389	506	14	easy	easy	ADJ
fsr-3389	506	15	to	to	PART
fsr-3389	506	16	compute	compute	VERB
fsr-3389	506	17	using	use	VERB
fsr-3389	506	18	the	the	DET
fsr-3389	506	19	accompanying	accompanying	ADJ
fsr-3389	506	20	online	online	ADJ
fsr-3389	506	21	calculator	calculator	NOUN
fsr-3389	506	22	.	.	PUNCT
fsr-3389	507	1	the	the	DET
fsr-3389	507	2	authors	author	NOUN
fsr-3389	507	3	could	could	AUX
fsr-3389	507	4	also	also	ADV
fsr-3389	507	5	provide	provide	VERB
fsr-3389	507	6	them	they	PRON
fsr-3389	507	7	upon	upon	SCONJ
fsr-3389	507	8	request	request	NOUN
fsr-3389	507	9	.	.	PUNCT
fsr-3389	508	1	170	170	NUM
fsr-3389	508	2	w.w	w.w	PROPN
fsr-3389	508	3	.	.	PROPN
fsr-3389	508	4	jennings	jennings	PROPN
fsr-3389	508	5	et	et	PROPN
fsr-3389	508	6	al	al	PROPN
fsr-3389	508	7	.	.	PUNCT
fsr-3389	508	8	/	/	SYM
fsr-3389	508	9	financial	financial	ADJ
fsr-3389	508	10	services	service	NOUN
fsr-3389	508	11	review	review	VERB
fsr-3389	508	12	27	27	NUM
fsr-3389	508	13	(	(	PUNCT
fsr-3389	508	14	2018	2018	NUM
fsr-3389	508	15	)	)	PUNCT
fsr-3389	508	16	147	147	NUM
fsr-3389	508	17	-	-	SYM
fsr-3389	508	18	172	172	NUM
fsr-3389	508	19	14	14	NUM
fsr-3389	508	20	we	we	PRON
fsr-3389	508	21	also	also	ADV
fsr-3389	508	22	calibrated	calibrate	VERB
fsr-3389	508	23	these	these	DET
fsr-3389	508	24	costs	cost	NOUN
fsr-3389	508	25	with	with	ADP
fsr-3389	508	26	a	a	DET
fsr-3389	508	27	broad	broad	ADJ
fsr-3389	508	28	group	group	NOUN
fsr-3389	508	29	of	of	ADP
fsr-3389	508	30	general	general	ADJ
fsr-3389	508	31	life	life	NOUN
fsr-3389	508	32	insurance	insurance	NOUN
fsr-3389	508	33	providers	provider	NOUN
fsr-3389	508	34	to	to	PART
fsr-3389	508	35	ensure	ensure	VERB
fsr-3389	508	36	their	their	PRON
fsr-3389	508	37	reasonableness	reasonableness	NOUN
fsr-3389	508	38	.	.	PUNCT
fsr-3389	509	1	the	the	DET
fsr-3389	509	2	military	military	ADJ
fsr-3389	509	3	-	-	PUNCT
fsr-3389	509	4	centric	centric	ADJ
fsr-3389	509	5	coverage	coverage	NOUN
fsr-3389	509	6	is	be	AUX
fsr-3389	509	7	more	more	ADV
fsr-3389	509	8	expensive	expensive	ADJ
fsr-3389	509	9	,	,	PUNCT
fsr-3389	509	10	presumably	presumably	ADV
fsr-3389	509	11	because	because	SCONJ
fsr-3389	509	12	of	of	ADP
fsr-3389	509	13	the	the	DET
fsr-3389	509	14	consideration	consideration	NOUN
fsr-3389	509	15	of	of	ADP
fsr-3389	509	16	such	such	ADJ
fsr-3389	509	17	factors	factor	NOUN
fsr-3389	509	18	as	as	ADP
fsr-3389	509	19	high	high	ADJ
fsr-3389	509	20	-	-	PUNCT
fsr-3389	509	21	risk	risk	NOUN
fsr-3389	509	22	work	work	NOUN
fsr-3389	509	23	and	and	CCONJ
fsr-3389	509	24	the	the	DET
fsr-3389	509	25	absence	absence	NOUN
fsr-3389	509	26	of	of	ADP
fsr-3389	509	27	war	war	NOUN
fsr-3389	509	28	exclusion	exclusion	NOUN
fsr-3389	509	29	clauses	clause	NOUN
fsr-3389	509	30	.	.	PUNCT
fsr-3389	510	1	evaluating	evaluate	VERB
fsr-3389	510	2	military	military	ADJ
fsr-3389	510	3	-	-	PUNCT
fsr-3389	510	4	specific	specific	ADJ
fsr-3389	510	5	policies	policy	NOUN
fsr-3389	510	6	is	be	AUX
fsr-3389	510	7	,	,	PUNCT
fsr-3389	510	8	therefore	therefore	ADV
fsr-3389	510	9	,	,	PUNCT
fsr-3389	510	10	conservative	conservative	ADJ
fsr-3389	510	11	.	.	PUNCT
fsr-3389	511	1	15	15	NUM
fsr-3389	511	2	we	we	PRON
fsr-3389	511	3	assume	assume	VERB
fsr-3389	511	4	2.5	2.5	NUM
fsr-3389	511	5	%	%	NOUN
fsr-3389	511	6	inflation	inflation	NOUN
fsr-3389	511	7	and	and	CCONJ
fsr-3389	511	8	3	3	NUM
fsr-3389	511	9	%	%	NOUN
fsr-3389	511	10	return	return	NOUN
fsr-3389	511	11	on	on	ADP
fsr-3389	511	12	investments	investment	NOUN
fsr-3389	511	13	for	for	ADP
fsr-3389	511	14	a	a	DET
fsr-3389	511	15	0.49	0.49	NUM
fsr-3389	511	16	%	%	NOUN
fsr-3389	511	17	real	real	ADJ
fsr-3389	511	18	return	return	NOUN
fsr-3389	511	19	on	on	ADP
fsr-3389	511	20	investments	investment	NOUN
fsr-3389	511	21	.	.	PUNCT
fsr-3389	512	1	doing	do	VERB
fsr-3389	512	2	so	so	ADV
fsr-3389	512	3	is	be	AUX
fsr-3389	512	4	consistent	consistent	ADJ
fsr-3389	512	5	with	with	ADP
fsr-3389	512	6	the	the	DET
fsr-3389	512	7	jennings	jennings	PROPN
fsr-3389	512	8	and	and	CCONJ
fsr-3389	512	9	reichenstein	reichenstein	PROPN
fsr-3389	512	10	(	(	PUNCT
fsr-3389	512	11	2003	2003	NUM
fsr-3389	512	12	)	)	PUNCT
fsr-3389	512	13	approach	approach	NOUN
fsr-3389	512	14	to	to	ADP
fsr-3389	512	15	valuing	value	VERB
fsr-3389	512	16	defined	define	VERB
fsr-3389	512	17	benefit	benefit	NOUN
fsr-3389	512	18	pensions	pension	NOUN
fsr-3389	512	19	.	.	PUNCT
fsr-3389	513	1	note	note	VERB
fsr-3389	513	2	the	the	DET
fsr-3389	513	3	results	result	NOUN
fsr-3389	513	4	are	be	AUX
fsr-3389	513	5	relatively	relatively	ADV
fsr-3389	513	6	less	less	ADV
fsr-3389	513	7	sensitive	sensitive	ADJ
fsr-3389	513	8	to	to	ADP
fsr-3389	513	9	these	these	DET
fsr-3389	513	10	return	return	NOUN
fsr-3389	513	11	assumptions	assumption	NOUN
fsr-3389	513	12	than	than	SCONJ
fsr-3389	513	13	they	they	PRON
fsr-3389	513	14	are	be	AUX
fsr-3389	513	15	to	to	ADP
fsr-3389	513	16	the	the	DET
fsr-3389	513	17	insurance	insurance	NOUN
fsr-3389	513	18	coverage	coverage	NOUN
fsr-3389	513	19	amount	amount	NOUN
fsr-3389	513	20	,	,	PUNCT
fsr-3389	513	21	term	term	NOUN
fsr-3389	513	22	,	,	PUNCT
fsr-3389	513	23	and	and	CCONJ
fsr-3389	513	24	cost	cost	NOUN
fsr-3389	513	25	.	.	PUNCT
fsr-3389	514	1	16	16	NUM
fsr-3389	514	2	for	for	ADP
fsr-3389	514	3	instance	instance	NOUN
fsr-3389	514	4	,	,	PUNCT
fsr-3389	514	5	assuming	assume	VERB
fsr-3389	514	6	a	a	DET
fsr-3389	514	7	reasonable	reasonable	ADJ
fsr-3389	514	8	investment	investment	NOUN
fsr-3389	514	9	portfolio	portfolio	NOUN
fsr-3389	514	10	return	return	NOUN
fsr-3389	514	11	of	of	ADP
fsr-3389	514	12	7	7	NUM
fsr-3389	514	13	%	%	NOUN
fsr-3389	514	14	(	(	PUNCT
fsr-3389	514	15	4.39	4.39	NUM
fsr-3389	514	16	%	%	NOUN
fsr-3389	514	17	real	real	ADJ
fsr-3389	514	18	)	)	PUNCT
fsr-3389	514	19	,	,	PUNCT
fsr-3389	514	20	the	the	DET
fsr-3389	514	21	conditional	conditional	ADJ
fsr-3389	514	22	expected	expect	VERB
fsr-3389	514	23	payouts	payout	NOUN
fsr-3389	514	24	for	for	ADP
fsr-3389	514	25	the	the	DET
fsr-3389	514	26	term	term	NOUN
fsr-3389	514	27	-	-	PUNCT
fsr-3389	514	28	and	and	CCONJ
fsr-3389	514	29	-	-	PUNCT
fsr-3389	514	30	invest	inv	ADJ
fsr-3389	514	31	scenario	scenario	NOUN
fsr-3389	514	32	become	become	VERB
fsr-3389	514	33	$	$	SYM
fsr-3389	514	34	125,665	125,665	NUM
fsr-3389	514	35	and	and	CCONJ
fsr-3389	514	36	$	$	SYM
fsr-3389	514	37	205,335	205,335	NUM
fsr-3389	514	38	in	in	ADP
fsr-3389	514	39	the	the	DET
fsr-3389	514	40	40	40	NUM
fsr-3389	514	41	%	%	NOUN
fsr-3389	514	42	and	and	CCONJ
fsr-3389	514	43	60	60	NUM
fsr-3389	514	44	%	%	NOUN
fsr-3389	514	45	spaces	space	NOUN
fsr-3389	514	46	,	,	PUNCT
fsr-3389	514	47	respectively	respectively	ADV
fsr-3389	514	48	,	,	PUNCT
fsr-3389	514	49	for	for	ADP
fsr-3389	514	50	a	a	DET
fsr-3389	514	51	total	total	ADJ
fsr-3389	514	52	expected	expect	VERB
fsr-3389	514	53	payout	payout	NOUN
fsr-3389	514	54	to	to	ADP
fsr-3389	514	55	term	term	NOUN
fsr-3389	514	56	-	-	PUNCT
fsr-3389	514	57	and	and	CCONJ
fsr-3389	514	58	-	-	PUNCT
fsr-3389	514	59	invest	invest	NOUN
fsr-3389	514	60	of	of	ADP
fsr-3389	514	61	$	$	SYM
fsr-3389	514	62	331,000	331,000	NUM
fsr-3389	514	63	.	.	PUNCT
fsr-3389	515	1	17	17	NUM
fsr-3389	515	2	using	use	VERB
fsr-3389	515	3	the	the	DET
fsr-3389	515	4	illustrative	illustrative	ADJ
fsr-3389	515	5	example	example	NOUN
fsr-3389	515	6	in	in	ADP
fsr-3389	515	7	the	the	DET
fsr-3389	515	8	article	article	NOUN
fsr-3389	516	1	,	,	PUNCT
fsr-3389	516	2	we	we	PRON
fsr-3389	516	3	assume	assume	VERB
fsr-3389	516	4	a	a	DET
fsr-3389	516	5	25	25	NUM
fsr-3389	516	6	%	%	NOUN
fsr-3389	516	7	pre	pre	ADJ
fsr-3389	516	8	-	-	ADJ
fsr-3389	516	9	death	death	ADJ
fsr-3389	516	10	income	income	NOUN
fsr-3389	516	11	tax	tax	NOUN
fsr-3389	516	12	rate	rate	NOUN
fsr-3389	516	13	(	(	PUNCT
fsr-3389	516	14	federal	federal	ADJ
fsr-3389	516	15	and	and	CCONJ
fsr-3389	516	16	state	state	NOUN
fsr-3389	516	17	)	)	PUNCT
fsr-3389	516	18	,	,	PUNCT
fsr-3389	516	19	17	17	NUM
fsr-3389	516	20	%	%	NOUN
fsr-3389	516	21	post	post	ADJ
fsr-3389	516	22	-	-	ADJ
fsr-3389	516	23	death	death	ADJ
fsr-3389	516	24	income	income	NOUN
fsr-3389	516	25	tax	tax	NOUN
fsr-3389	516	26	rate	rate	NOUN
fsr-3389	516	27	(	(	PUNCT
fsr-3389	516	28	federal	federal	ADJ
fsr-3389	516	29	and	and	CCONJ
fsr-3389	516	30	state	state	NOUN
fsr-3389	516	31	)	)	PUNCT
fsr-3389	516	32	,	,	PUNCT
fsr-3389	516	33	and	and	CCONJ
fsr-3389	516	34	15	15	NUM
fsr-3389	516	35	%	%	NOUN
fsr-3389	516	36	capital	capital	NOUN
fsr-3389	516	37	gains	gain	NOUN
fsr-3389	516	38	rate	rate	NOUN
fsr-3389	516	39	and	and	CCONJ
fsr-3389	516	40	that	that	SCONJ
fsr-3389	516	41	any	any	DET
fsr-3389	516	42	investments	investment	NOUN
fsr-3389	516	43	are	be	AUX
fsr-3389	516	44	in	in	ADP
fsr-3389	516	45	non	non	ADJ
fsr-3389	516	46	-	-	ADJ
fsr-3389	516	47	tax	tax	NOUN
fsr-3389	516	48	-	-	PUNCT
fsr-3389	516	49	advantaged	advantaged	ADJ
fsr-3389	516	50	accounts	account	NOUN
fsr-3389	516	51	.	.	PUNCT
fsr-3389	517	1	under	under	ADP
fsr-3389	517	2	these	these	DET
fsr-3389	517	3	conditions	condition	NOUN
fsr-3389	517	4	,	,	PUNCT
fsr-3389	517	5	the	the	DET
fsr-3389	517	6	expected	expect	VERB
fsr-3389	517	7	value	value	NOUN
fsr-3389	517	8	of	of	ADP
fsr-3389	517	9	sbp	sbp	NOUN
fsr-3389	517	10	decreases	decrease	NOUN
fsr-3389	517	11	by	by	ADP
fsr-3389	517	12	$	$	SYM
fsr-3389	517	13	2,620	2,620	NUM
fsr-3389	517	14	or	or	CCONJ
fsr-3389	517	15	4.3	4.3	NUM
fsr-3389	517	16	%	%	NOUN
fsr-3389	517	17	while	while	SCONJ
fsr-3389	517	18	the	the	DET
fsr-3389	517	19	expected	expect	VERB
fsr-3389	517	20	value	value	NOUN
fsr-3389	517	21	of	of	ADP
fsr-3389	517	22	term	term	NOUN
fsr-3389	517	23	-	-	PUNCT
fsr-3389	517	24	and	and	CCONJ
fsr-3389	517	25	-	-	PUNCT
fsr-3389	517	26	invest	invest	NOUN
fsr-3389	517	27	decreases	decrease	NOUN
fsr-3389	517	28	by	by	ADP
fsr-3389	517	29	$	$	SYM
fsr-3389	517	30	3,465	3,465	NUM
fsr-3389	517	31	or	or	CCONJ
fsr-3389	517	32	2.1	2.1	NUM
fsr-3389	517	33	%	%	NOUN
fsr-3389	517	34	.	.	PUNCT
fsr-3389	518	1	the	the	DET
fsr-3389	518	2	magnitude	magnitude	NOUN
fsr-3389	518	3	of	of	ADP
fsr-3389	518	4	the	the	DET
fsr-3389	518	5	tax	tax	NOUN
fsr-3389	518	6	impacts	impact	NOUN
fsr-3389	518	7	is	be	AUX
fsr-3389	518	8	similar	similar	ADJ
fsr-3389	518	9	under	under	ADP
fsr-3389	518	10	both	both	DET
fsr-3389	518	11	options	option	NOUN
fsr-3389	518	12	.	.	PUNCT
fsr-3389	519	1	obviously	obviously	ADV
fsr-3389	519	2	,	,	PUNCT
fsr-3389	519	3	there	there	PRON
fsr-3389	519	4	are	be	VERB
fsr-3389	519	5	countless	countless	ADJ
fsr-3389	519	6	permutations	permutation	NOUN
fsr-3389	519	7	based	base	VERB
fsr-3389	519	8	on	on	ADP
fsr-3389	519	9	individual	individual	ADJ
fsr-3389	519	10	circumstances	circumstance	NOUN
fsr-3389	519	11	,	,	PUNCT
fsr-3389	519	12	leading	lead	VERB
fsr-3389	519	13	us	we	PRON
fsr-3389	519	14	back	back	ADV
fsr-3389	519	15	to	to	ADP
fsr-3389	519	16	the	the	DET
fsr-3389	519	17	first	first	ADJ
fsr-3389	519	18	consideration	consideration	NOUN
fsr-3389	519	19	in	in	ADP
fsr-3389	519	20	this	this	DET
fsr-3389	519	21	list	list	NOUN
fsr-3389	519	22	.	.	PUNCT
fsr-3389	520	1	18	18	NUM
fsr-3389	520	2	full	full	ADJ
fsr-3389	520	3	disclosure	disclosure	NOUN
fsr-3389	520	4	:	:	PUNCT
fsr-3389	520	5	one	one	NUM
fsr-3389	520	6	of	of	ADP
fsr-3389	520	7	us	we	PRON
fsr-3389	520	8	with	with	ADP
fsr-3389	520	9	young	young	ADJ
fsr-3389	520	10	children	child	NOUN
fsr-3389	520	11	opted	opt	VERB
fsr-3389	520	12	for	for	ADP
fsr-3389	520	13	the	the	DET
fsr-3389	520	14	child	child	NOUN
fsr-3389	520	15	-	-	PUNCT
fsr-3389	520	16	only	only	ADJ
fsr-3389	520	17	option	option	NOUN
fsr-3389	520	18	.	.	PUNCT
fsr-3389	521	1	acknowledgment	acknowledgment	NOUN
fsr-3389	521	2	the	the	DET
fsr-3389	521	3	views	view	NOUN
fsr-3389	521	4	in	in	ADP
fsr-3389	521	5	this	this	DET
fsr-3389	521	6	article	article	NOUN
fsr-3389	521	7	are	be	AUX
fsr-3389	521	8	solely	solely	ADV
fsr-3389	521	9	the	the	DET
fsr-3389	521	10	authors	author	NOUN
fsr-3389	521	11	’	'	PUNCT
fsr-3389	521	12	and	and	CCONJ
fsr-3389	521	13	do	do	AUX
fsr-3389	521	14	not	not	PART
fsr-3389	521	15	reflect	reflect	VERB
fsr-3389	521	16	those	those	PRON
fsr-3389	521	17	of	of	ADP
fsr-3389	521	18	the	the	DET
fsr-3389	521	19	u.s	u.s	PROPN
fsr-3389	521	20	.	.	PROPN
fsr-3389	521	21	government	government	NOUN
fsr-3389	521	22	,	,	PUNCT
fsr-3389	521	23	department	department	NOUN
fsr-3389	521	24	of	of	ADP
fsr-3389	521	25	defense	defense	PROPN
fsr-3389	521	26	,	,	PUNCT
fsr-3389	521	27	u.s	u.s	PROPN
fsr-3389	521	28	.	.	PROPN
fsr-3389	521	29	air	air	PROPN
fsr-3389	521	30	force	force	NOUN
fsr-3389	521	31	,	,	PUNCT
fsr-3389	521	32	or	or	CCONJ
fsr-3389	521	33	u.s	u.s	PROPN
fsr-3389	521	34	.	.	PROPN
fsr-3389	521	35	air	air	PROPN
fsr-3389	521	36	force	force	PROPN
fsr-3389	521	37	academy	academy	PROPN
fsr-3389	521	38	.	.	PUNCT
fsr-3389	522	1	it	it	PRON
fsr-3389	522	2	was	be	AUX
fsr-3389	522	3	previously	previously	ADV
fsr-3389	522	4	circulated	circulate	VERB
fsr-3389	522	5	as	as	ADP
fsr-3389	522	6	“	"	PUNCT
fsr-3389	522	7	alternate	alternate	ADJ
fsr-3389	522	8	options	option	NOUN
fsr-3389	522	9	to	to	ADP
fsr-3389	522	10	the	the	DET
fsr-3389	522	11	survivor	survivor	NOUN
fsr-3389	522	12	benefit	benefit	NOUN
fsr-3389	522	13	plan	plan	NOUN
fsr-3389	522	14	:	:	PUNCT
fsr-3389	522	15	important	important	ADJ
fsr-3389	522	16	considerations	consideration	NOUN
fsr-3389	522	17	for	for	ADP
fsr-3389	522	18	us	us	PROPN
fsr-3389	522	19	veterans	veteran	NOUN
fsr-3389	522	20	.	.	PUNCT
fsr-3389	522	21	”	"	PUNCT
fsr-3389	523	1	we	we	PRON
fsr-3389	523	2	gratefully	gratefully	ADV
fsr-3389	523	3	acknowledge	acknowledge	VERB
fsr-3389	523	4	comments	comment	NOUN
fsr-3389	523	5	and	and	CCONJ
fsr-3389	523	6	assistance	assistance	NOUN
fsr-3389	523	7	with	with	ADP
fsr-3389	523	8	this	this	DET
fsr-3389	523	9	project	project	NOUN
fsr-3389	523	10	from	from	ADP
fsr-3389	523	11	participants	participant	NOUN
fsr-3389	523	12	at	at	ADP
fsr-3389	523	13	the	the	DET
fsr-3389	523	14	2014	2014	NUM
fsr-3389	523	15	and	and	CCONJ
fsr-3389	523	16	2017	2017	NUM
fsr-3389	523	17	academy	academy	NOUN
fsr-3389	523	18	of	of	ADP
fsr-3389	523	19	financial	financial	ADJ
fsr-3389	523	20	services	service	NOUN
fsr-3389	523	21	annual	annual	ADJ
fsr-3389	523	22	meetings	meeting	NOUN
fsr-3389	523	23	,	,	PUNCT
fsr-3389	523	24	seminar	seminar	NOUN
fsr-3389	523	25	participants	participant	NOUN
fsr-3389	523	26	from	from	ADP
fsr-3389	523	27	the	the	DET
fsr-3389	523	28	department	department	NOUN
fsr-3389	523	29	of	of	ADP
fsr-3389	523	30	management	management	NOUN
fsr-3389	523	31	at	at	ADP
fsr-3389	523	32	the	the	DET
fsr-3389	523	33	u.s	u.s	PROPN
fsr-3389	523	34	.	.	PROPN
fsr-3389	523	35	air	air	PROPN
fsr-3389	523	36	force	force	PROPN
fsr-3389	523	37	academy	academy	PROPN
fsr-3389	523	38	,	,	PUNCT
fsr-3389	523	39	lieutenant	lieutenant	NOUN
fsr-3389	523	40	colonel	colonel	NOUN
fsr-3389	523	41	(	(	PUNCT
fsr-3389	523	42	retired	retire	VERB
fsr-3389	523	43	)	)	PUNCT
fsr-3389	523	44	stephanie	stephanie	PROPN
fsr-3389	523	45	bruce	bruce	PROPN
fsr-3389	523	46	,	,	PUNCT
fsr-3389	523	47	and	and	CCONJ
fsr-3389	523	48	lieutenant	lieutenant	PROPN
fsr-3389	523	49	colonel	colonel	PROPN
fsr-3389	523	50	joseph	joseph	PROPN
fsr-3389	523	51	suhajda	suhajda	PROPN
fsr-3389	523	52	.	.	PUNCT
fsr-3389	524	1	references	reference	NOUN
fsr-3389	524	2	ando	ando	PROPN
fsr-3389	524	3	,	,	PUNCT
fsr-3389	524	4	a.	a.	PROPN
fsr-3389	524	5	,	,	PUNCT
fsr-3389	524	6	&	&	CCONJ
fsr-3389	524	7	modigliani	modigliani	PROPN
fsr-3389	524	8	,	,	PUNCT
fsr-3389	524	9	f.	f.	PROPN
fsr-3389	524	10	(	(	PUNCT
fsr-3389	524	11	1963	1963	NUM
fsr-3389	524	12	)	)	PUNCT
fsr-3389	524	13	.	.	PUNCT
fsr-3389	525	1	the	the	DET
fsr-3389	525	2	“	"	PUNCT
fsr-3389	525	3	life	life	NOUN
fsr-3389	525	4	cycle	cycle	NOUN
fsr-3389	525	5	”	"	PUNCT
fsr-3389	525	6	hypothesis	hypothesis	NOUN
fsr-3389	525	7	of	of	ADP
fsr-3389	525	8	saving	saving	NOUN
fsr-3389	525	9	:	:	PUNCT
fsr-3389	525	10	aggregate	aggregate	VERB
fsr-3389	525	11	implications	implication	NOUN
fsr-3389	525	12	and	and	CCONJ
fsr-3389	525	13	tests	test	NOUN
fsr-3389	525	14	.	.	PUNCT
fsr-3389	526	1	the	the	DET
fsr-3389	526	2	american	american	PROPN
fsr-3389	526	3	economic	economic	PROPN
fsr-3389	526	4	review	review	PROPN
fsr-3389	526	5	,	,	PUNCT
fsr-3389	526	6	53	53	NUM
fsr-3389	526	7	,	,	PUNCT
fsr-3389	526	8	55–84	55–84	PROPN
fsr-3389	526	9	.	.	PUNCT
fsr-3389	527	1	auerbach	auerbach	PROPN
fsr-3389	527	2	,	,	PUNCT
fsr-3389	527	3	a.	a.	PROPN
fsr-3389	527	4	j.	j.	PROPN
fsr-3389	527	5	,	,	PUNCT
fsr-3389	527	6	&	&	CCONJ
fsr-3389	527	7	kotlikoff	kotlikoff	PROPN
fsr-3389	527	8	,	,	PUNCT
fsr-3389	527	9	l.	l.	PROPN
fsr-3389	527	10	(	(	PUNCT
fsr-3389	527	11	1991	1991	NUM
fsr-3389	527	12	)	)	PUNCT
fsr-3389	527	13	.	.	PUNCT
fsr-3389	528	1	life	life	NOUN
fsr-3389	528	2	insurance	insurance	NOUN
fsr-3389	528	3	inadequacy	inadequacy	NOUN
fsr-3389	528	4	-	-	PUNCT
fsr-3389	528	5	evidence	evidence	NOUN
fsr-3389	528	6	from	from	ADP
fsr-3389	528	7	a	a	DET
fsr-3389	528	8	sample	sample	NOUN
fsr-3389	528	9	of	of	ADP
fsr-3389	528	10	older	old	ADJ
fsr-3389	528	11	widows	widow	NOUN
fsr-3389	528	12	(	(	PUNCT
fsr-3389	528	13	working	work	VERB
fsr-3389	528	14	paper	paper	NOUN
fsr-3389	528	15	no	no	INTJ
fsr-3389	528	16	.	.	PROPN
fsr-3389	528	17	3765	3765	NUM
fsr-3389	528	18	)	)	PUNCT
fsr-3389	528	19	.	.	PUNCT
fsr-3389	529	1	retrieved	retrieve	VERB
fsr-3389	529	2	from	from	ADP
fsr-3389	529	3	national	national	ADJ
fsr-3389	529	4	bureau	bureau	PROPN
fsr-3389	529	5	of	of	ADP
fsr-3389	529	6	economic	economic	ADJ
fsr-3389	529	7	research	research	NOUN
fsr-3389	529	8	website	website	NOUN
fsr-3389	529	9	:	:	PUNCT
fsr-3389	529	10	https://www	https://www	PROPN
fsr-3389	529	11	.	.	PUNCT
fsr-3389	530	1	nber.org/papers/w3765.pdf	nber.org/papers/w3765.pdf	PROPN
fsr-3389	530	2	.	.	PUNCT
fsr-3389	531	1	171w.w	171w.w	X
fsr-3389	531	2	.	.	PUNCT
fsr-3389	532	1	jennings	jennings	PROPN
fsr-3389	532	2	et	et	PROPN
fsr-3389	532	3	al	al	PROPN
fsr-3389	532	4	.	.	PUNCT
fsr-3389	532	5	/	/	SYM
fsr-3389	532	6	financial	financial	ADJ
fsr-3389	532	7	services	service	NOUN
fsr-3389	532	8	review	review	VERB
fsr-3389	532	9	27	27	NUM
fsr-3389	532	10	(	(	PUNCT
fsr-3389	532	11	2018	2018	NUM
fsr-3389	532	12	)	)	PUNCT
fsr-3389	532	13	147	147	NUM
fsr-3389	532	14	-	-	SYM
fsr-3389	532	15	172	172	NUM
fsr-3389	532	16	beatty	beatty	PROPN
fsr-3389	532	17	,	,	PUNCT
fsr-3389	532	18	s.	s.	PROPN
fsr-3389	532	19	e.	e.	PROPN
fsr-3389	532	20	,	,	PUNCT
fsr-3389	532	21	&	&	CCONJ
fsr-3389	532	22	kang	kang	PROPN
fsr-3389	532	23	,	,	PUNCT
fsr-3389	532	24	t.	t.	PROPN
fsr-3389	532	25	(	(	PUNCT
fsr-3389	532	26	2007	2007	NUM
fsr-3389	532	27	)	)	PUNCT
fsr-3389	532	28	.	.	PUNCT
fsr-3389	533	1	the	the	DET
fsr-3389	533	2	survivor	survivor	NOUN
fsr-3389	533	3	benefit	benefit	NOUN
fsr-3389	533	4	plan	plan	NOUN
fsr-3389	533	5	:	:	PUNCT
fsr-3389	533	6	a	a	DET
fsr-3389	533	7	cost	cost	NOUN
fsr-3389	533	8	-	-	PUNCT
fsr-3389	533	9	benefit	benefit	NOUN
fsr-3389	533	10	analysis	analysis	NOUN
fsr-3389	533	11	mba	mba	PROPN
fsr-3389	533	12	professional	professional	ADJ
fsr-3389	533	13	report	report	NOUN
fsr-3389	533	14	,	,	PUNCT
fsr-3389	533	15	thesis	thesis	NOUN
fsr-3389	533	16	and	and	CCONJ
fsr-3389	533	17	dissertation	dissertation	NOUN
fsr-3389	533	18	collection	collection	NOUN
fsr-3389	533	19	,	,	PUNCT
fsr-3389	533	20	monterey	monterey	NOUN
fsr-3389	533	21	,	,	PUNCT
fsr-3389	533	22	california	california	PROPN
fsr-3389	533	23	.	.	PUNCT
fsr-3389	534	1	(	(	PUNCT
fsr-3389	534	2	available	available	ADJ
fsr-3389	534	3	at	at	ADP
fsr-3389	534	4	https://calhoun.nps.edu/handle/10945/	https://calhoun.nps.edu/handle/10945/	PROPN
fsr-3389	534	5	10185	10185	NUM
fsr-3389	534	6	)	)	PUNCT
fsr-3389	534	7	bell	bell	PROPN
fsr-3389	534	8	,	,	PUNCT
fsr-3389	534	9	d.	d.	PROPN
fsr-3389	534	10	,	,	PUNCT
fsr-3389	534	11	&	&	CCONJ
fsr-3389	534	12	graham	graham	PROPN
fsr-3389	534	13	,	,	PUNCT
fsr-3389	534	14	a.	a.	PROPN
fsr-3389	534	15	(	(	PUNCT
fsr-3389	534	16	1984	1984	NUM
fsr-3389	534	17	)	)	PUNCT
fsr-3389	534	18	.	.	PUNCT
fsr-3389	535	1	surviving	survive	VERB
fsr-3389	535	2	spouse	spouse	NOUN
fsr-3389	535	3	’s	’s	PART
fsr-3389	535	4	benefits	benefit	NOUN
fsr-3389	535	5	in	in	ADP
fsr-3389	535	6	private	private	ADJ
fsr-3389	535	7	pension	pension	NOUN
fsr-3389	535	8	plans	plan	NOUN
fsr-3389	535	9	.	.	PUNCT
fsr-3389	536	1	monthly	monthly	ADJ
fsr-3389	536	2	labor	labor	NOUN
fsr-3389	536	3	review	review	NOUN
fsr-3389	536	4	,	,	PUNCT
fsr-3389	536	5	april	april	PROPN
fsr-3389	536	6	,	,	PUNCT
fsr-3389	536	7	23–31	23–31	PROPN
fsr-3389	536	8	.	.	PUNCT
fsr-3389	536	9	bengen	bengen	PROPN
fsr-3389	536	10	,	,	PUNCT
fsr-3389	536	11	w.	w.	PROPN
fsr-3389	536	12	p.	p.	PROPN
fsr-3389	536	13	(	(	PUNCT
fsr-3389	536	14	1994	1994	NUM
fsr-3389	536	15	)	)	PUNCT
fsr-3389	536	16	.	.	PUNCT
fsr-3389	537	1	determining	determine	VERB
fsr-3389	537	2	withdrawal	withdrawal	NOUN
fsr-3389	537	3	rates	rate	NOUN
fsr-3389	537	4	using	use	VERB
fsr-3389	537	5	historical	historical	ADJ
fsr-3389	537	6	data	datum	NOUN
fsr-3389	537	7	,	,	PUNCT
fsr-3389	537	8	journal	journal	NOUN
fsr-3389	537	9	of	of	ADP
fsr-3389	537	10	financial	financial	ADJ
fsr-3389	537	11	planning	planning	NOUN
fsr-3389	537	12	,	,	PUNCT
fsr-3389	537	13	october	october	PROPN
fsr-3389	537	14	,	,	PUNCT
fsr-3389	537	15	171–180	171–180	NUM
fsr-3389	537	16	.	.	PUNCT
fsr-3389	537	17	brown	brown	PROPN
fsr-3389	537	18	,	,	PUNCT
fsr-3389	537	19	j.	j.	PROPN
fsr-3389	537	20	r.	r.	PROPN
fsr-3389	537	21	,	,	PUNCT
fsr-3389	537	22	&	&	CCONJ
fsr-3389	537	23	wilcox	wilcox	PROPN
fsr-3389	537	24	,	,	PUNCT
fsr-3389	537	25	d.	d.	PROPN
fsr-3389	537	26	w.	w.	AUX
fsr-3389	537	27	(	(	PUNCT
fsr-3389	537	28	2009	2009	NUM
fsr-3389	537	29	)	)	PUNCT
fsr-3389	537	30	.	.	PUNCT
fsr-3389	538	1	discounting	discount	VERB
fsr-3389	538	2	state	state	NOUN
fsr-3389	538	3	and	and	CCONJ
fsr-3389	538	4	local	local	ADJ
fsr-3389	538	5	pension	pension	NOUN
fsr-3389	538	6	liabilities	liability	NOUN
fsr-3389	538	7	.	.	PUNCT
fsr-3389	539	1	american	american	PROPN
fsr-3389	539	2	economic	economic	PROPN
fsr-3389	539	3	review	review	PROPN
fsr-3389	539	4	,	,	PUNCT
fsr-3389	539	5	99	99	NUM
fsr-3389	539	6	,	,	PUNCT
fsr-3389	539	7	538–542	538–542	NUM
fsr-3389	539	8	.	.	PUNCT
fsr-3389	539	9	comprix	comprix	PROPN
fsr-3389	539	10	,	,	PUNCT
fsr-3389	539	11	j.	j.	PROPN
fsr-3389	539	12	,	,	PUNCT
fsr-3389	539	13	&	&	CCONJ
fsr-3389	539	14	muller	muller	PROPN
fsr-3389	539	15	,	,	PUNCT
fsr-3389	539	16	k.	k.	PROPN
fsr-3389	539	17	(	(	PUNCT
fsr-3389	539	18	2011	2011	NUM
fsr-3389	539	19	)	)	PUNCT
fsr-3389	539	20	.	.	PUNCT
fsr-3389	540	1	pension	pension	NOUN
fsr-3389	540	2	plan	plan	NOUN
fsr-3389	540	3	accounting	accounting	NOUN
fsr-3389	540	4	estimates	estimate	NOUN
fsr-3389	540	5	and	and	CCONJ
fsr-3389	540	6	the	the	DET
fsr-3389	540	7	freezing	freezing	NOUN
fsr-3389	540	8	of	of	ADP
fsr-3389	540	9	defined	define	VERB
fsr-3389	540	10	benefit	benefit	NOUN
fsr-3389	540	11	pension	pension	NOUN
fsr-3389	540	12	plans	plan	NOUN
fsr-3389	540	13	.	.	PUNCT
fsr-3389	541	1	journal	journal	NOUN
fsr-3389	541	2	of	of	ADP
fsr-3389	541	3	accounting	accounting	NOUN
fsr-3389	541	4	and	and	CCONJ
fsr-3389	541	5	economics	economic	NOUN
fsr-3389	541	6	,	,	PUNCT
fsr-3389	541	7	51	51	NUM
fsr-3389	541	8	,	,	PUNCT
fsr-3389	541	9	115–133	115–133	NUM
fsr-3389	541	10	.	.	PUNCT
fsr-3389	542	1	davis	davis	PROPN
fsr-3389	542	2	,	,	PUNCT
fsr-3389	542	3	k.	k.	PROPN
fsr-3389	542	4	,	,	PUNCT
fsr-3389	542	5	&	&	CCONJ
fsr-3389	542	6	fraser	fraser	PROPN
fsr-3389	542	7	,	,	PUNCT
fsr-3389	542	8	s.	s.	PROPN
fsr-3389	542	9	p.	p.	PROPN
fsr-3389	542	10	(	(	PUNCT
fsr-3389	542	11	2012	2012	NUM
fsr-3389	542	12	)	)	PUNCT
fsr-3389	542	13	.	.	PUNCT
fsr-3389	543	1	insuring	insure	VERB
fsr-3389	543	2	defined	define	VERB
fsr-3389	543	3	-	-	PUNCT
fsr-3389	543	4	benefit	benefit	NOUN
fsr-3389	543	5	plan	plan	NOUN
fsr-3389	543	6	value	value	NOUN
fsr-3389	543	7	:	:	PUNCT
fsr-3389	543	8	an	an	DET
fsr-3389	543	9	examination	examination	NOUN
fsr-3389	543	10	of	of	ADP
fsr-3389	543	11	the	the	DET
fsr-3389	543	12	survivor	survivor	NOUN
fsr-3389	543	13	benefit	benefit	NOUN
fsr-3389	543	14	plan	plan	NOUN
fsr-3389	543	15	(	(	PUNCT
fsr-3389	543	16	sbp	sbp	NOUN
fsr-3389	543	17	)	)	PUNCT
fsr-3389	543	18	decision	decision	NOUN
fsr-3389	543	19	.	.	PUNCT
fsr-3389	544	1	financial	financial	ADJ
fsr-3389	544	2	services	service	NOUN
fsr-3389	544	3	review	review	PROPN
fsr-3389	544	4	,	,	PUNCT
fsr-3389	544	5	21	21	NUM
fsr-3389	544	6	,	,	PUNCT
fsr-3389	544	7	275–290	275–290	NUM
fsr-3389	544	8	.	.	PUNCT
fsr-3389	545	1	department	department	PROPN
fsr-3389	545	2	of	of	ADP
fsr-3389	545	3	defense	defense	PROPN
fsr-3389	545	4	office	office	NOUN
fsr-3389	545	5	of	of	ADP
fsr-3389	545	6	the	the	DET
fsr-3389	545	7	actuary	actuary	NOUN
fsr-3389	545	8	.	.	PUNCT
fsr-3389	546	1	(	(	PUNCT
fsr-3389	546	2	2013	2013	NUM
fsr-3389	546	3	)	)	PUNCT
fsr-3389	546	4	.	.	PUNCT
fsr-3389	547	1	valuation	valuation	NOUN
fsr-3389	547	2	of	of	ADP
fsr-3389	547	3	the	the	DET
fsr-3389	547	4	military	military	ADJ
fsr-3389	547	5	retirement	retirement	NOUN
fsr-3389	547	6	system	system	NOUN
fsr-3389	547	7	.	.	PUNCT
fsr-3389	548	1	september	september	PROPN
fsr-3389	548	2	30	30	NUM
fsr-3389	548	3	,	,	PUNCT
fsr-3389	548	4	2013	2013	NUM
fsr-3389	548	5	,	,	PUNCT
fsr-3389	548	6	revised	revise	VERB
fsr-3389	548	7	january	january	PROPN
fsr-3389	548	8	2015	2015	NUM
fsr-3389	548	9	.	.	PUNCT
fsr-3389	549	1	(	(	PUNCT
fsr-3389	549	2	available	available	ADJ
fsr-3389	549	3	at	at	ADP
fsr-3389	549	4	https://actuary.defense.gov/portals/15/documents/mrf%	https://actuary.defense.gov/portals/15/documents/mrf%	PROPN
fsr-3389	549	5	20valrpt%202013.pdf?ver	20valrpt%202013.pdf?ver	NUM
fsr-3389	549	6	�	�	PROPN
fsr-3389	549	7	2015	2015	NUM
fsr-3389	549	8	-	-	PUNCT
fsr-3389	549	9	02	02	NUM
fsr-3389	549	10	-	-	PUNCT
fsr-3389	549	11	24	24	NUM
fsr-3389	549	12	-	-	PUNCT
fsr-3389	549	13	102857	102857	NUM
fsr-3389	549	14	-	-	SYM
fsr-3389	549	15	617	617	NUM
fsr-3389	549	16	)	)	PUNCT
fsr-3389	549	17	finra	finra	PROPN
fsr-3389	549	18	investor	investor	PROPN
fsr-3389	549	19	education	education	PROPN
fsr-3389	549	20	foundation	foundation	PROPN
fsr-3389	549	21	.	.	PUNCT
fsr-3389	550	1	(	(	PUNCT
fsr-3389	550	2	2013	2013	NUM
fsr-3389	550	3	)	)	PUNCT
fsr-3389	550	4	.	.	PUNCT
fsr-3389	551	1	financial	financial	ADJ
fsr-3389	551	2	capability	capability	NOUN
fsr-3389	551	3	in	in	ADP
fsr-3389	551	4	the	the	DET
fsr-3389	551	5	united	united	PROPN
fsr-3389	551	6	states	states	PROPN
fsr-3389	551	7	:	:	PUNCT
fsr-3389	551	8	2012	2012	NUM
fsr-3389	551	9	report	report	NOUN
fsr-3389	551	10	of	of	ADP
fsr-3389	551	11	military	military	ADJ
fsr-3389	551	12	findings	finding	NOUN
fsr-3389	551	13	.	.	PUNCT
fsr-3389	552	1	(	(	PUNCT
fsr-3389	552	2	available	available	ADJ
fsr-3389	552	3	at	at	ADP
fsr-3389	552	4	http://www.usfinancialcapability.org/downloads/nfcs_2012_report	http://www.usfinancialcapability.org/downloads/nfcs_2012_report	NOUN
fsr-3389	552	5	_	_	SYM
fsr-3389	552	6	military_findings	military_finding	NOUN
fsr-3389	552	7	)	)	PUNCT
fsr-3389	552	8	higdon	higdon	PROPN
fsr-3389	552	9	,	,	PUNCT
fsr-3389	552	10	j.	j.	PROPN
fsr-3389	552	11	n.	n.	PROPN
fsr-3389	552	12	(	(	PUNCT
fsr-3389	552	13	2009	2009	NUM
fsr-3389	552	14	)	)	PUNCT
fsr-3389	552	15	.	.	PUNCT
fsr-3389	553	1	the	the	DET
fsr-3389	553	2	survivor	survivor	NOUN
fsr-3389	553	3	benefit	benefit	NOUN
fsr-3389	553	4	plan	plan	NOUN
fsr-3389	553	5	:	:	PUNCT
fsr-3389	553	6	its	its	PRON
fsr-3389	553	7	history	history	NOUN
fsr-3389	553	8	,	,	PUNCT
fsr-3389	553	9	idiosyncracies	idiosyncracie	NOUN
fsr-3389	553	10	,	,	PUNCT
fsr-3389	553	11	coverages	coverage	NOUN
fsr-3389	553	12	,	,	PUNCT
fsr-3389	553	13	cost	cost	NOUN
fsr-3389	553	14	,	,	PUNCT
fsr-3389	553	15	and	and	CCONJ
fsr-3389	553	16	applications	application	NOUN
fsr-3389	553	17	.	.	PUNCT
fsr-3389	554	1	family	family	NOUN
fsr-3389	554	2	law	law	NOUN
fsr-3389	554	3	quarterly	quarterly	ADV
fsr-3389	554	4	,	,	PUNCT
fsr-3389	554	5	43	43	NUM
fsr-3389	554	6	,	,	PUNCT
fsr-3389	554	7	439–488	439–488	NUM
fsr-3389	554	8	.	.	PUNCT
fsr-3389	555	1	jennings	jennings	PROPN
fsr-3389	555	2	,	,	PUNCT
fsr-3389	555	3	w.	w.	PROPN
fsr-3389	555	4	w.	w.	PROPN
fsr-3389	555	5	,	,	PUNCT
fsr-3389	555	6	&	&	CCONJ
fsr-3389	555	7	reichenstein	reichenstein	PROPN
fsr-3389	555	8	,	,	PUNCT
fsr-3389	555	9	w.	w.	PROPN
fsr-3389	555	10	r.	r.	PROPN
fsr-3389	555	11	(	(	PUNCT
fsr-3389	555	12	2001	2001	NUM
fsr-3389	555	13	)	)	PUNCT
fsr-3389	555	14	.	.	PUNCT
fsr-3389	556	1	the	the	DET
fsr-3389	556	2	value	value	NOUN
fsr-3389	556	3	of	of	ADP
fsr-3389	556	4	retirement	retirement	NOUN
fsr-3389	556	5	income	income	NOUN
fsr-3389	556	6	streams	stream	NOUN
fsr-3389	556	7	:	:	PUNCT
fsr-3389	556	8	the	the	DET
fsr-3389	556	9	value	value	NOUN
fsr-3389	556	10	of	of	ADP
fsr-3389	556	11	military	military	ADJ
fsr-3389	556	12	retirement	retirement	NOUN
fsr-3389	556	13	.	.	PUNCT
fsr-3389	557	1	financial	financial	ADJ
fsr-3389	557	2	services	service	NOUN
fsr-3389	557	3	review	review	PROPN
fsr-3389	557	4	,	,	PUNCT
fsr-3389	557	5	10	10	NUM
fsr-3389	557	6	,	,	PUNCT
fsr-3389	557	7	19–35	19–35	NUM
fsr-3389	557	8	.	.	PUNCT
fsr-3389	558	1	jennings	jennings	PROPN
fsr-3389	558	2	,	,	PUNCT
fsr-3389	558	3	w.	w.	PROPN
fsr-3389	558	4	w.	w.	PROPN
fsr-3389	558	5	,	,	PUNCT
fsr-3389	558	6	&	&	CCONJ
fsr-3389	558	7	reichenstein	reichenstein	PROPN
fsr-3389	558	8	,	,	PUNCT
fsr-3389	558	9	w.	w.	PROPN
fsr-3389	558	10	r.	r.	PROPN
fsr-3389	558	11	(	(	PUNCT
fsr-3389	558	12	2003	2003	NUM
fsr-3389	558	13	)	)	PUNCT
fsr-3389	558	14	.	.	PUNCT
fsr-3389	559	1	valuing	value	VERB
fsr-3389	559	2	defined	define	VERB
fsr-3389	559	3	-	-	PUNCT
fsr-3389	559	4	benefit	benefit	NOUN
fsr-3389	559	5	plans	plan	NOUN
fsr-3389	559	6	.	.	PUNCT
fsr-3389	560	1	financial	financial	ADJ
fsr-3389	560	2	services	service	NOUN
fsr-3389	560	3	review	review	PROPN
fsr-3389	560	4	,	,	PUNCT
fsr-3389	560	5	12	12	NUM
fsr-3389	560	6	,	,	PUNCT
fsr-3389	560	7	179–199	179–199	NUM
fsr-3389	560	8	.	.	PUNCT
fsr-3389	561	1	kitces	kitce	NOUN
fsr-3389	561	2	,	,	PUNCT
fsr-3389	561	3	m.	m.	NOUN
fsr-3389	561	4	(	(	PUNCT
fsr-3389	561	5	2014	2014	NUM
fsr-3389	561	6	)	)	PUNCT
fsr-3389	561	7	.	.	PUNCT
fsr-3389	562	1	insurance	insurance	NOUN
fsr-3389	562	2	rule	rule	NOUN
fsr-3389	562	3	:	:	PUNCT
fsr-3389	562	4	buy	buy	VERB
fsr-3389	562	5	the	the	DET
fsr-3389	562	6	losers	loser	NOUN
fsr-3389	562	7	.	.	PUNCT
fsr-3389	563	1	financial	financial	ADJ
fsr-3389	563	2	planning	planning	NOUN
fsr-3389	563	3	,	,	PUNCT
fsr-3389	563	4	december	december	PROPN
fsr-3389	563	5	,	,	PUNCT
fsr-3389	563	6	73–76	73–76	PROPN
fsr-3389	563	7	.	.	PUNCT
fsr-3389	564	1	lachance	lachance	PROPN
fsr-3389	564	2	,	,	PUNCT
fsr-3389	564	3	m.	m.	PROPN
fsr-3389	564	4	e.	e.	PROPN
fsr-3389	564	5	,	,	PUNCT
fsr-3389	564	6	mitchell	mitchell	PROPN
fsr-3389	564	7	,	,	PUNCT
fsr-3389	564	8	o.	o.	PROPN
fsr-3389	564	9	,	,	PUNCT
fsr-3389	564	10	&	&	CCONJ
fsr-3389	564	11	smetters	smetter	NOUN
fsr-3389	564	12	,	,	PUNCT
fsr-3389	564	13	k.	k.	PROPN
fsr-3389	564	14	(	(	PUNCT
fsr-3389	564	15	2003	2003	NUM
fsr-3389	564	16	)	)	PUNCT
fsr-3389	564	17	.	.	PUNCT
fsr-3389	565	1	guaranteeing	guarantee	VERB
fsr-3389	565	2	defined	define	VERB
fsr-3389	565	3	contribution	contribution	NOUN
fsr-3389	565	4	pensions	pension	NOUN
fsr-3389	565	5	:	:	PUNCT
fsr-3389	565	6	the	the	DET
fsr-3389	565	7	option	option	NOUN
fsr-3389	565	8	to	to	PART
fsr-3389	565	9	buy	buy	VERB
fsr-3389	565	10	back	back	ADP
fsr-3389	565	11	a	a	DET
fsr-3389	565	12	defined	define	VERB
fsr-3389	565	13	benefit	benefit	NOUN
fsr-3389	565	14	promise	promise	NOUN
fsr-3389	565	15	.	.	PUNCT
fsr-3389	566	1	journal	journal	NOUN
fsr-3389	566	2	of	of	ADP
fsr-3389	566	3	risk	risk	NOUN
fsr-3389	566	4	and	and	CCONJ
fsr-3389	566	5	insurance	insurance	NOUN
fsr-3389	566	6	,	,	PUNCT
fsr-3389	566	7	70	70	NUM
fsr-3389	566	8	,	,	PUNCT
fsr-3389	566	9	1–16	1–16	PROPN
fsr-3389	566	10	.	.	PUNCT
fsr-3389	567	1	military	military	ADJ
fsr-3389	567	2	compensation	compensation	PROPN
fsr-3389	567	3	and	and	CCONJ
fsr-3389	567	4	retirement	retirement	PROPN
fsr-3389	567	5	modernization	modernization	PROPN
fsr-3389	567	6	commission	commission	PROPN
fsr-3389	567	7	.	.	PUNCT
fsr-3389	568	1	(	(	PUNCT
fsr-3389	568	2	2015	2015	NUM
fsr-3389	568	3	)	)	PUNCT
fsr-3389	568	4	.	.	PUNCT
fsr-3389	569	1	report	report	NOUN
fsr-3389	569	2	of	of	ADP
fsr-3389	569	3	the	the	DET
fsr-3389	569	4	military	military	ADJ
fsr-3389	569	5	compensation	compensation	PROPN
fsr-3389	569	6	and	and	CCONJ
fsr-3389	569	7	retirement	retirement	PROPN
fsr-3389	569	8	modernization	modernization	PROPN
fsr-3389	569	9	commission	commission	PROPN
fsr-3389	569	10	.	.	PUNCT
fsr-3389	570	1	final	final	ADJ
fsr-3389	570	2	report	report	NOUN
fsr-3389	570	3	.	.	PUNCT
fsr-3389	571	1	(	(	PUNCT
fsr-3389	571	2	available	available	ADJ
fsr-3389	571	3	at	at	ADP
fsr-3389	571	4	https://www.ngaus.org/sites/default/	https://www.ngaus.org/sites/default/	PROPN
fsr-3389	571	5	files	file	NOUN
fsr-3389	571	6	/	/	SYM
fsr-3389	571	7	mcrmc%202015_0.pdf	mcrmc%202015_0.pdf	PROPN
fsr-3389	571	8	)	)	PUNCT
fsr-3389	571	9	payne	payne	PROPN
fsr-3389	571	10	,	,	PUNCT
fsr-3389	571	11	b.	b.	PROPN
fsr-3389	571	12	c.	c.	PROPN
fsr-3389	571	13	,	,	PUNCT
fsr-3389	571	14	jennings	jennings	PROPN
fsr-3389	571	15	,	,	PUNCT
fsr-3389	571	16	w.	w.	PROPN
fsr-3389	571	17	w.	w.	PROPN
fsr-3389	571	18	,	,	PUNCT
fsr-3389	571	19	&	&	CCONJ
fsr-3389	571	20	o’malley	o’malley	PROPN
fsr-3389	571	21	,	,	PUNCT
fsr-3389	571	22	t.	t.	PROPN
fsr-3389	571	23	c.	c.	PROPN
fsr-3389	571	24	(	(	PUNCT
fsr-3389	571	25	2018	2018	NUM
fsr-3389	571	26	)	)	PUNCT
fsr-3389	571	27	.	.	PUNCT
fsr-3389	572	1	implied	imply	VERB
fsr-3389	572	2	discount	discount	NOUN
fsr-3389	572	3	rates	rate	NOUN
fsr-3389	572	4	for	for	ADP
fsr-3389	572	5	the	the	DET
fsr-3389	572	6	u.	u.	PROPN
fsr-3389	572	7	s.	s.	PROPN
fsr-3389	572	8	military	military	PROPN
fsr-3389	572	9	blended	blend	VERB
fsr-3389	572	10	retirement	retirement	NOUN
fsr-3389	572	11	system	system	NOUN
fsr-3389	572	12	.	.	PUNCT
fsr-3389	573	1	journal	journal	PROPN
fsr-3389	573	2	of	of	ADP
fsr-3389	573	3	retirement	retirement	NOUN
fsr-3389	573	4	,	,	PUNCT
fsr-3389	573	5	6	6	NUM
fsr-3389	573	6	,	,	PUNCT
fsr-3389	573	7	22–32	22–32	NUM
fsr-3389	573	8	.	.	PUNCT
fsr-3389	574	1	pfau	pfau	NOUN
fsr-3389	574	2	,	,	PUNCT
fsr-3389	574	3	w.	w.	PROPN
fsr-3389	574	4	d.	d.	PROPN
fsr-3389	574	5	(	(	PUNCT
fsr-3389	574	6	2015	2015	NUM
fsr-3389	574	7	)	)	PUNCT
fsr-3389	574	8	.	.	PUNCT
fsr-3389	575	1	optimizing	optimize	VERB
fsr-3389	575	2	retirement	retirement	NOUN
fsr-3389	575	3	income	income	NOUN
fsr-3389	575	4	by	by	ADP
fsr-3389	575	5	combining	combine	VERB
fsr-3389	575	6	actuarial	actuarial	ADJ
fsr-3389	575	7	science	science	NOUN
fsr-3389	575	8	and	and	CCONJ
fsr-3389	575	9	investments	investment	NOUN
fsr-3389	575	10	.	.	PUNCT
fsr-3389	576	1	owrs	owrs	PROPN
fsr-3389	576	2	.	.	PUNCT
fsr-3389	577	1	(	(	PUNCT
fsr-3389	577	2	available	available	ADJ
fsr-3389	577	3	at	at	ADP
fsr-3389	577	4	http://www.owrsfirm.com/wp-content/uploads/oa_wp_opt-ret_inc_05–15_web.pdf	http://www.owrsfirm.com/wp-content/uploads/oa_wp_opt-ret_inc_05–15_web.pdf	NOUN
fsr-3389	577	5	)	)	PUNCT
fsr-3389	577	6	.	.	PUNCT
fsr-3389	578	1	poterba	poterba	NOUN
fsr-3389	578	2	,	,	PUNCT
fsr-3389	578	3	j.	j.	PROPN
fsr-3389	578	4	m.	m.	PROPN
fsr-3389	578	5	,	,	PUNCT
fsr-3389	578	6	rauh	rauh	PROPN
fsr-3389	578	7	,	,	PUNCT
fsr-3389	578	8	j.	j.	PROPN
fsr-3389	578	9	,	,	PUNCT
fsr-3389	578	10	venti	venti	PROPN
fsr-3389	578	11	,	,	PUNCT
fsr-3389	578	12	s.	s.	PROPN
fsr-3389	578	13	,	,	PUNCT
fsr-3389	578	14	&	&	CCONJ
fsr-3389	578	15	wise	wise	PROPN
fsr-3389	578	16	,	,	PUNCT
fsr-3389	578	17	d.	d.	PROPN
fsr-3389	578	18	(	(	PUNCT
fsr-3389	578	19	2007	2007	NUM
fsr-3389	578	20	)	)	PUNCT
fsr-3389	578	21	.	.	PUNCT
fsr-3389	579	1	defined	define	VERB
fsr-3389	579	2	contribution	contribution	NOUN
fsr-3389	579	3	plans	plan	NOUN
fsr-3389	579	4	,	,	PUNCT
fsr-3389	579	5	defined	define	VERB
fsr-3389	579	6	benefit	benefit	NOUN
fsr-3389	579	7	plans	plan	NOUN
fsr-3389	579	8	,	,	PUNCT
fsr-3389	579	9	and	and	CCONJ
fsr-3389	579	10	the	the	DET
fsr-3389	579	11	accumulation	accumulation	NOUN
fsr-3389	579	12	of	of	ADP
fsr-3389	579	13	retirement	retirement	NOUN
fsr-3389	579	14	wealth	wealth	NOUN
fsr-3389	579	15	.	.	PUNCT
fsr-3389	580	1	journal	journal	NOUN
fsr-3389	580	2	of	of	ADP
fsr-3389	580	3	public	public	ADJ
fsr-3389	580	4	economics	economic	NOUN
fsr-3389	580	5	,	,	PUNCT
fsr-3389	580	6	91	91	NUM
fsr-3389	580	7	,	,	PUNCT
fsr-3389	580	8	2062–2086	2062–2086	NUM
fsr-3389	580	9	.	.	PUNCT
fsr-3389	581	1	richwine	richwine	PROPN
fsr-3389	581	2	,	,	PUNCT
fsr-3389	581	3	j.	j.	PROPN
fsr-3389	581	4	(	(	PUNCT
fsr-3389	581	5	2013	2013	NUM
fsr-3389	581	6	)	)	PUNCT
fsr-3389	581	7	.	.	PUNCT
fsr-3389	582	1	nine	nine	NUM
fsr-3389	582	2	fallacies	fallacy	NOUN
fsr-3389	582	3	used	use	VERB
fsr-3389	582	4	to	to	PART
fsr-3389	582	5	defend	defend	VERB
fsr-3389	582	6	public	public	ADJ
fsr-3389	582	7	-	-	PUNCT
fsr-3389	582	8	sector	sector	NOUN
fsr-3389	582	9	pensions	pension	NOUN
fsr-3389	582	10	.	.	PUNCT
fsr-3389	583	1	backgrounder	backgrounder	NOUN
fsr-3389	583	2	,	,	PUNCT
fsr-3389	583	3	the	the	DET
fsr-3389	583	4	heritage	heritage	NOUN
fsr-3389	583	5	foundation	foundation	PROPN
fsr-3389	583	6	,	,	PUNCT
fsr-3389	583	7	no	no	INTJ
fsr-3389	583	8	.	.	NOUN
fsr-3389	583	9	2765	2765	NUM
fsr-3389	583	10	,	,	PUNCT
fsr-3389	583	11	washington	washington	PROPN
fsr-3389	583	12	,	,	PUNCT
fsr-3389	583	13	dc	dc	PROPN
fsr-3389	583	14	.	.	PUNCT
fsr-3389	584	1	(	(	PUNCT
fsr-3389	584	2	available	available	ADJ
fsr-3389	584	3	at	at	ADP
fsr-3389	584	4	https://www.heritage.org/social-security/report/ninefallacies-used-defend-public-sector-pensions	https://www.heritage.org/social-security/report/ninefallacies-used-defend-public-sector-pension	NOUN
fsr-3389	584	5	)	)	PUNCT
fsr-3389	584	6	social	social	ADJ
fsr-3389	584	7	security	security	NOUN
fsr-3389	584	8	office	office	NOUN
fsr-3389	584	9	of	of	ADP
fsr-3389	584	10	the	the	DET
fsr-3389	584	11	chief	chief	ADJ
fsr-3389	584	12	actuary	actuary	NOUN
fsr-3389	584	13	.	.	PUNCT
fsr-3389	585	1	(	(	PUNCT
fsr-3389	585	2	2014	2014	NUM
fsr-3389	585	3	)	)	PUNCT
fsr-3389	585	4	.	.	PUNCT
fsr-3389	586	1	statistical	statistical	ADJ
fsr-3389	586	2	tables	table	NOUN
fsr-3389	586	3	,	,	PUNCT
fsr-3389	586	4	period	period	NOUN
fsr-3389	586	5	life	life	NOUN
fsr-3389	586	6	table	table	NOUN
fsr-3389	586	7	.	.	PUNCT
fsr-3389	587	1	(	(	PUNCT
fsr-3389	587	2	available	available	ADJ
fsr-3389	587	3	at	at	ADP
fsr-3389	587	4	https://	https://	PROPN
fsr-3389	587	5	www.ssa.gov/oact/stats/table4c6.html	www.ssa.gov/oact/stats/table4c6.html	PROPN
fsr-3389	587	6	)	)	PUNCT
fsr-3389	587	7	yaari	yaari	PROPN
fsr-3389	587	8	,	,	PUNCT
fsr-3389	587	9	m.	m.	PROPN
fsr-3389	587	10	e.	e.	PROPN
fsr-3389	587	11	(	(	PUNCT
fsr-3389	587	12	1965	1965	NUM
fsr-3389	587	13	)	)	PUNCT
fsr-3389	587	14	.	.	PUNCT
fsr-3389	588	1	uncertain	uncertain	ADJ
fsr-3389	588	2	lifetime	lifetime	NOUN
fsr-3389	588	3	,	,	PUNCT
fsr-3389	588	4	life	life	NOUN
fsr-3389	588	5	insurance	insurance	NOUN
fsr-3389	588	6	,	,	PUNCT
fsr-3389	588	7	and	and	CCONJ
fsr-3389	588	8	the	the	DET
fsr-3389	588	9	theory	theory	NOUN
fsr-3389	588	10	of	of	ADP
fsr-3389	588	11	the	the	DET
fsr-3389	588	12	consumer	consumer	NOUN
fsr-3389	588	13	.	.	PUNCT
fsr-3389	589	1	the	the	DET
fsr-3389	589	2	review	review	NOUN
fsr-3389	589	3	of	of	ADP
fsr-3389	589	4	economic	economic	ADJ
fsr-3389	589	5	studies	study	NOUN
fsr-3389	589	6	,	,	PUNCT
fsr-3389	589	7	32	32	NUM
fsr-3389	589	8	,	,	PUNCT
fsr-3389	589	9	137–150	137–150	NUM
fsr-3389	589	10	.	.	PUNCT
fsr-3389	589	11	172	172	NUM
fsr-3389	589	12	w.w	w.w	PROPN
fsr-3389	589	13	.	.	PROPN
fsr-3389	589	14	jennings	jennings	PROPN
fsr-3389	589	15	et	et	PROPN
fsr-3389	589	16	al	al	PROPN
fsr-3389	589	17	.	.	PUNCT
fsr-3389	589	18	/	/	SYM
fsr-3389	589	19	financial	financial	ADJ
fsr-3389	589	20	services	service	NOUN
fsr-3389	589	21	review	review	VERB
fsr-3389	589	22	27	27	NUM
fsr-3389	589	23	(	(	PUNCT
fsr-3389	589	24	2018	2018	NUM
fsr-3389	589	25	)	)	PUNCT
fsr-3389	589	26	147	147	NUM
fsr-3389	589	27	-	-	SYM
fsr-3389	589	28	172	172	NUM