id	sid	tid	token	lemma	pos
fsr-3436	1	1	the	the	DET
fsr-3436	1	2	association	association	NOUN
fsr-3436	1	3	between	between	ADP
fsr-3436	1	4	financial	financial	ADJ
fsr-3436	1	5	risk	risk	NOUN
fsr-3436	1	6	and	and	CCONJ
fsr-3436	1	7	retirement	retirement	NOUN
fsr-3436	1	8	satisfaction	satisfaction	NOUN
fsr-3436	1	9	blain	blain	PROPN
fsr-3436	1	10	pearsona	pearsona	NOUN
fsr-3436	1	11	,	,	PUNCT
fsr-3436	1	12	*	*	PROPN
fsr-3436	1	13	,	,	PUNCT
fsr-3436	1	14	michael	michael	PROPN
fsr-3436	1	15	guillemetteb	guillemetteb	PROPN
fsr-3436	1	16	adepartment	adepartment	NOUN
fsr-3436	1	17	of	of	ADP
fsr-3436	1	18	personal	personal	ADJ
fsr-3436	1	19	financial	financial	ADJ
fsr-3436	1	20	planning	planning	NOUN
fsr-3436	1	21	,	,	PUNCT
fsr-3436	1	22	kansas	kansas	PROPN
fsr-3436	1	23	state	state	PROPN
fsr-3436	1	24	university	university	PROPN
fsr-3436	1	25	,	,	PUNCT
fsr-3436	1	26	343	343	NUM
fsr-3436	1	27	justin	justin	PROPN
fsr-3436	1	28	hall	hall	PROPN
fsr-3436	1	29	,	,	PUNCT
fsr-3436	1	30	manhattan	manhattan	PROPN
fsr-3436	1	31	,	,	PUNCT
fsr-3436	1	32	ks	ks	PROPN
fsr-3436	1	33	66506	66506	NUM
fsr-3436	1	34	-	-	SYM
fsr-3436	1	35	1403	1403	NUM
fsr-3436	1	36	,	,	PUNCT
fsr-3436	1	37	usa	usa	PROPN
fsr-3436	1	38	bdepartment	bdepartment	NOUN
fsr-3436	1	39	of	of	ADP
fsr-3436	1	40	personal	personal	ADJ
fsr-3436	1	41	financial	financial	ADJ
fsr-3436	1	42	planning	planning	NOUN
fsr-3436	1	43	,	,	PUNCT
fsr-3436	1	44	texas	texas	PROPN
fsr-3436	1	45	tech	tech	PROPN
fsr-3436	1	46	university	university	PROPN
fsr-3436	1	47	,	,	PUNCT
fsr-3436	1	48	box	box	PROPN
fsr-3436	1	49	41210	41210	NUM
fsr-3436	1	50	,	,	PUNCT
fsr-3436	1	51	lubbock	lubbock	PROPN
fsr-3436	1	52	,	,	PUNCT
fsr-3436	1	53	tx	tx	PROPN
fsr-3436	1	54	79409	79409	NUM
fsr-3436	1	55	-	-	SYM
fsr-3436	1	56	1210	1210	NUM
fsr-3436	1	57	,	,	PUNCT
fsr-3436	1	58	usa	usa	PROPN
fsr-3436	1	59	abstract	abstract	PROPN
fsr-3436	1	60	a	a	DET
fsr-3436	1	61	higher	high	ADJ
fsr-3436	1	62	level	level	NOUN
fsr-3436	1	63	of	of	ADP
fsr-3436	1	64	risky	risky	ADJ
fsr-3436	1	65	financial	financial	ADJ
fsr-3436	1	66	assets	asset	NOUN
fsr-3436	1	67	that	that	PRON
fsr-3436	1	68	a	a	DET
fsr-3436	1	69	retiree	retiree	NOUN
fsr-3436	1	70	holds	hold	VERB
fsr-3436	1	71	may	may	AUX
fsr-3436	1	72	produce	produce	VERB
fsr-3436	1	73	higher	high	ADJ
fsr-3436	1	74	returns	return	NOUN
fsr-3436	1	75	,	,	PUNCT
fsr-3436	1	76	resulting	result	VERB
fsr-3436	1	77	in	in	ADP
fsr-3436	1	78	utility	utility	NOUN
fsr-3436	1	79	gains	gain	NOUN
fsr-3436	1	80	.	.	PUNCT
fsr-3436	2	1	to	to	PART
fsr-3436	2	2	test	test	VERB
fsr-3436	2	3	this	this	DET
fsr-3436	2	4	hypothesis	hypothesis	NOUN
fsr-3436	2	5	,	,	PUNCT
fsr-3436	2	6	a	a	DET
fsr-3436	2	7	variable	variable	NOUN
fsr-3436	2	8	is	be	AUX
fsr-3436	2	9	constructed	construct	VERB
fsr-3436	2	10	measuring	measure	VERB
fsr-3436	2	11	retirees	retiree	NOUN
fsr-3436	2	12	’	'	PUNCT
fsr-3436	2	13	ratio	ratio	NOUN
fsr-3436	2	14	of	of	ADP
fsr-3436	2	15	risky	risky	ADJ
fsr-3436	2	16	assets	asset	NOUN
fsr-3436	2	17	to	to	ADP
fsr-3436	2	18	total	total	ADJ
fsr-3436	2	19	assets	asset	NOUN
fsr-3436	2	20	(	(	PUNCT
fsr-3436	2	21	risk	risk	NOUN
fsr-3436	2	22	ratio	ratio	NOUN
fsr-3436	2	23	)	)	PUNCT
fsr-3436	2	24	.	.	PUNCT
fsr-3436	3	1	next	next	ADV
fsr-3436	3	2	,	,	PUNCT
fsr-3436	3	3	the	the	DET
fsr-3436	3	4	association	association	NOUN
fsr-3436	3	5	between	between	ADP
fsr-3436	3	6	the	the	DET
fsr-3436	3	7	risk	risk	NOUN
fsr-3436	3	8	ratio	ratio	NOUN
fsr-3436	3	9	and	and	CCONJ
fsr-3436	3	10	retiree	retiree	NOUN
fsr-3436	3	11	utility	utility	NOUN
fsr-3436	3	12	is	be	AUX
fsr-3436	3	13	examined	examine	VERB
fsr-3436	3	14	using	use	VERB
fsr-3436	3	15	a	a	DET
fsr-3436	3	16	retirement	retirement	NOUN
fsr-3436	3	17	satisfaction	satisfaction	NOUN
fsr-3436	3	18	variable	variable	NOUN
fsr-3436	3	19	from	from	ADP
fsr-3436	3	20	the	the	DET
fsr-3436	3	21	1992	1992	NUM
fsr-3436	3	22	-	-	SYM
fsr-3436	3	23	2014	2014	NUM
fsr-3436	3	24	waves	wave	NOUN
fsr-3436	3	25	of	of	ADP
fsr-3436	3	26	the	the	DET
fsr-3436	3	27	health	health	NOUN
fsr-3436	3	28	and	and	CCONJ
fsr-3436	3	29	retirement	retirement	NOUN
fsr-3436	3	30	study	study	NOUN
fsr-3436	3	31	.	.	PUNCT
fsr-3436	4	1	the	the	DET
fsr-3436	4	2	findings	finding	NOUN
fsr-3436	4	3	suggest	suggest	VERB
fsr-3436	4	4	that	that	SCONJ
fsr-3436	4	5	increases	increase	NOUN
fsr-3436	4	6	in	in	ADP
fsr-3436	4	7	retirees	retiree	NOUN
fsr-3436	4	8	’	'	PUNCT
fsr-3436	4	9	risk	risk	NOUN
fsr-3436	4	10	ratio	ratio	NOUN
fsr-3436	4	11	is	be	AUX
fsr-3436	4	12	associated	associate	VERB
fsr-3436	4	13	positively	positively	ADV
fsr-3436	4	14	with	with	ADP
fsr-3436	4	15	increases	increase	NOUN
fsr-3436	4	16	in	in	ADP
fsr-3436	4	17	their	their	PRON
fsr-3436	4	18	retirement	retirement	NOUN
fsr-3436	4	19	satisfaction	satisfaction	NOUN
fsr-3436	4	20	.	.	PUNCT
fsr-3436	5	1	the	the	DET
fsr-3436	5	2	results	result	NOUN
fsr-3436	5	3	and	and	CCONJ
fsr-3436	5	4	ensuing	ensue	VERB
fsr-3436	5	5	discussion	discussion	NOUN
fsr-3436	5	6	offer	offer	VERB
fsr-3436	5	7	a	a	DET
fsr-3436	5	8	new	new	ADJ
fsr-3436	5	9	perspective	perspective	NOUN
fsr-3436	5	10	for	for	ADP
fsr-3436	5	11	retiree	retiree	NOUN
fsr-3436	5	12	asset	asset	NOUN
fsr-3436	5	13	management	management	NOUN
fsr-3436	5	14	.	.	PUNCT
fsr-3436	6	1	©	©	PROPN
fsr-3436	6	2	2020	2020	NUM
fsr-3436	6	3	academy	academy	NOUN
fsr-3436	6	4	of	of	ADP
fsr-3436	6	5	financial	financial	ADJ
fsr-3436	6	6	services	service	NOUN
fsr-3436	6	7	.	.	PUNCT
fsr-3436	7	1	all	all	DET
fsr-3436	7	2	rights	right	NOUN
fsr-3436	7	3	reserved	reserve	VERB
fsr-3436	7	4	.	.	PUNCT
fsr-3436	8	1	jel	jel	PROPN
fsr-3436	8	2	classification	classification	NOUN
fsr-3436	8	3	:	:	PUNCT
fsr-3436	8	4	d8	d8	ADJ
fsr-3436	8	5	keywords	keyword	NOUN
fsr-3436	8	6	:	:	PUNCT
fsr-3436	8	7	financial	financial	ADJ
fsr-3436	8	8	planning	planning	NOUN
fsr-3436	8	9	;	;	PUNCT
fsr-3436	8	10	retirement	retirement	NOUN
fsr-3436	8	11	satisfaction	satisfaction	NOUN
fsr-3436	8	12	;	;	PUNCT
fsr-3436	8	13	risk	risk	NOUN
fsr-3436	8	14	aversion	aversion	NOUN
fsr-3436	8	15	introduction	introduction	NOUN
fsr-3436	8	16	financing	financing	NOUN
fsr-3436	8	17	consumption	consumption	NOUN
fsr-3436	8	18	in	in	ADP
fsr-3436	8	19	advanced	advanced	ADJ
fsr-3436	8	20	age	age	NOUN
fsr-3436	8	21	is	be	AUX
fsr-3436	8	22	paramount	paramount	ADJ
fsr-3436	8	23	when	when	SCONJ
fsr-3436	8	24	planning	plan	VERB
fsr-3436	8	25	for	for	ADP
fsr-3436	8	26	the	the	DET
fsr-3436	8	27	transition	transition	NOUN
fsr-3436	8	28	into	into	ADP
fsr-3436	8	29	retirement	retirement	NOUN
fsr-3436	8	30	.	.	PUNCT
fsr-3436	9	1	in	in	ADP
fsr-3436	9	2	the	the	DET
fsr-3436	9	3	absence	absence	NOUN
fsr-3436	9	4	of	of	ADP
fsr-3436	9	5	non	non	ADJ
fsr-3436	9	6	-	-	ADJ
fsr-3436	9	7	labor	labor	ADJ
fsr-3436	9	8	income	income	NOUN
fsr-3436	9	9	sources	source	NOUN
fsr-3436	9	10	,	,	PUNCT
fsr-3436	9	11	such	such	ADJ
fsr-3436	9	12	as	as	ADP
fsr-3436	9	13	social	social	ADJ
fsr-3436	9	14	security	security	NOUN
fsr-3436	9	15	income	income	NOUN
fsr-3436	9	16	,	,	PUNCT
fsr-3436	9	17	pension	pension	NOUN
fsr-3436	9	18	income	income	NOUN
fsr-3436	9	19	,	,	PUNCT
fsr-3436	9	20	and	and	CCONJ
fsr-3436	9	21	annuity	annuity	NOUN
fsr-3436	9	22	income	income	NOUN
fsr-3436	9	23	,	,	PUNCT
fsr-3436	9	24	retirees	retiree	NOUN
fsr-3436	9	25	utilize	utilize	VERB
fsr-3436	9	26	their	their	PRON
fsr-3436	9	27	saved	save	VERB
fsr-3436	9	28	assets	asset	NOUN
fsr-3436	9	29	to	to	PART
fsr-3436	9	30	finance	finance	VERB
fsr-3436	9	31	consumption	consumption	NOUN
fsr-3436	9	32	.	.	PUNCT
fsr-3436	10	1	saved	save	VERB
fsr-3436	10	2	assets	asset	NOUN
fsr-3436	10	3	can	can	AUX
fsr-3436	10	4	take	take	VERB
fsr-3436	10	5	varying	vary	VERB
fsr-3436	10	6	forms	form	NOUN
fsr-3436	10	7	of	of	ADP
fsr-3436	10	8	financial	financial	ADJ
fsr-3436	10	9	risk	risk	NOUN
fsr-3436	10	10	,	,	PUNCT
fsr-3436	10	11	and	and	CCONJ
fsr-3436	10	12	the	the	DET
fsr-3436	10	13	traditional	traditional	ADJ
fsr-3436	10	14	“	"	PUNCT
fsr-3436	10	15	time	time	NOUN
fsr-3436	10	16	-	-	PUNCT
fsr-3436	10	17	horizon	horizon	NOUN
fsr-3436	10	18	”	"	PUNCT
fsr-3436	10	19	approach	approach	NOUN
fsr-3436	10	20	to	to	ADP
fsr-3436	10	21	asset	asset	NOUN
fsr-3436	10	22	management	management	NOUN
fsr-3436	10	23	suggests	suggest	VERB
fsr-3436	10	24	shifting	shift	VERB
fsr-3436	10	25	from	from	ADP
fsr-3436	10	26	risky	risky	ADJ
fsr-3436	10	27	assets	asset	NOUN
fsr-3436	10	28	to	to	ADP
fsr-3436	10	29	less	less	ADV
fsr-3436	10	30	risky	risky	ADJ
fsr-3436	10	31	assets	asset	NOUN
fsr-3436	10	32	when	when	SCONJ
fsr-3436	10	33	transitioning	transition	VERB
fsr-3436	10	34	into	into	ADP
fsr-3436	10	35	retirement	retirement	NOUN
fsr-3436	10	36	.	.	PUNCT
fsr-3436	11	1	however	however	ADV
fsr-3436	11	2	,	,	PUNCT
fsr-3436	11	3	risky	risky	ADJ
fsr-3436	11	4	assets	asset	NOUN
fsr-3436	11	5	,	,	PUNCT
fsr-3436	11	6	such	such	ADJ
fsr-3436	11	7	as	as	ADP
fsr-3436	11	8	equities	equity	NOUN
fsr-3436	11	9	,	,	PUNCT
fsr-3436	11	10	have	have	VERB
fsr-3436	11	11	historically	historically	ADV
fsr-3436	11	12	*	*	PUNCT
fsr-3436	11	13	corresponding	correspond	VERB
fsr-3436	11	14	author	author	NOUN
fsr-3436	11	15	:	:	PUNCT
fsr-3436	11	16	tel	tel	PROPN
fsr-3436	11	17	.	.	PUNCT
fsr-3436	11	18	:	:	PUNCT
fsr-3436	12	1	+1	+1	ADJ
fsr-3436	12	2	-	-	PUNCT
fsr-3436	12	3	828	828	NUM
fsr-3436	12	4	-	-	PUNCT
fsr-3436	12	5	455	455	NUM
fsr-3436	12	6	-	-	SYM
fsr-3436	12	7	2617	2617	NUM
fsr-3436	12	8	;	;	PUNCT
fsr-3436	12	9	fax	fax	NOUN
fsr-3436	12	10	:	:	PUNCT
fsr-3436	12	11	1	1	NUM
fsr-3436	12	12	-	-	SYM
fsr-3436	12	13	785	785	NUM
fsr-3436	12	14	-	-	SYM
fsr-3436	12	15	532	532	NUM
fsr-3436	12	16	-	-	SYM
fsr-3436	12	17	5505	5505	NUM
fsr-3436	12	18	.	.	PUNCT
fsr-3436	13	1	e	e	X
fsr-3436	13	2	-	-	NOUN
fsr-3436	13	3	mail	mail	NOUN
fsr-3436	13	4	address	address	NOUN
fsr-3436	13	5	:	:	PUNCT
fsr-3436	13	6	bmpearson@k-state.edu	bmpearson@k-state.edu	NOUN
fsr-3436	13	7	.	.	PUNCT
fsr-3436	13	8	1057	1057	NUM
fsr-3436	13	9	-	-	SYM
fsr-3436	13	10	0810/20/$	0810/20/$	NUM
fsr-3436	13	11	–	–	PUNCT
fsr-3436	13	12	see	see	VERB
fsr-3436	13	13	front	front	ADJ
fsr-3436	13	14	matter	matter	NOUN
fsr-3436	13	15	©	©	PROPN
fsr-3436	13	16	2020	2020	NUM
fsr-3436	13	17	academy	academy	NOUN
fsr-3436	13	18	of	of	ADP
fsr-3436	13	19	financial	financial	ADJ
fsr-3436	13	20	services	service	NOUN
fsr-3436	13	21	.	.	PUNCT
fsr-3436	14	1	all	all	DET
fsr-3436	14	2	rights	right	NOUN
fsr-3436	14	3	reserved	reserve	VERB
fsr-3436	14	4	.	.	PUNCT
fsr-3436	15	1	financial	financial	ADJ
fsr-3436	15	2	services	service	NOUN
fsr-3436	15	3	review	review	VERB
fsr-3436	15	4	28	28	NUM
fsr-3436	15	5	(	(	PUNCT
fsr-3436	15	6	2020	2020	NUM
fsr-3436	15	7	)	)	PUNCT
fsr-3436	16	1	341–350	341–350	NUM
fsr-3436	16	2	provided	provide	VERB
fsr-3436	16	3	higher	high	ADJ
fsr-3436	16	4	returns	return	NOUN
fsr-3436	16	5	when	when	SCONJ
fsr-3436	16	6	compared	compare	VERB
fsr-3436	16	7	with	with	ADP
fsr-3436	16	8	their	their	PRON
fsr-3436	16	9	less	less	ADV
fsr-3436	16	10	-	-	PUNCT
fsr-3436	16	11	risky	risky	ADJ
fsr-3436	16	12	alternatives	alternative	NOUN
fsr-3436	16	13	,	,	PUNCT
fsr-3436	16	14	such	such	ADJ
fsr-3436	16	15	as	as	ADP
fsr-3436	16	16	bonds	bond	NOUN
fsr-3436	16	17	,	,	PUNCT
fsr-3436	16	18	money	money	NOUN
fsr-3436	16	19	market	market	NOUN
fsr-3436	16	20	accounts	account	NOUN
fsr-3436	16	21	,	,	PUNCT
fsr-3436	16	22	and	and	CCONJ
fsr-3436	16	23	cds	cd	NOUN
fsr-3436	16	24	.	.	PUNCT
fsr-3436	17	1	risky	risky	ADJ
fsr-3436	17	2	assets	asset	NOUN
fsr-3436	17	3	have	have	VERB
fsr-3436	17	4	the	the	DET
fsr-3436	17	5	potential	potential	NOUN
fsr-3436	17	6	for	for	ADP
fsr-3436	17	7	higher	high	ADJ
fsr-3436	17	8	returns	return	NOUN
fsr-3436	17	9	and	and	CCONJ
fsr-3436	17	10	may	may	AUX
fsr-3436	17	11	provide	provide	VERB
fsr-3436	17	12	retirees	retiree	NOUN
fsr-3436	17	13	with	with	ADP
fsr-3436	17	14	more	more	ADJ
fsr-3436	17	15	income	income	NOUN
fsr-3436	17	16	to	to	PART
fsr-3436	17	17	finance	finance	VERB
fsr-3436	17	18	their	their	PRON
fsr-3436	17	19	consumption	consumption	NOUN
fsr-3436	17	20	in	in	ADP
fsr-3436	17	21	retirement	retirement	NOUN
fsr-3436	17	22	,	,	PUNCT
fsr-3436	17	23	and	and	CCONJ
fsr-3436	17	24	more	more	ADJ
fsr-3436	17	25	income	income	NOUN
fsr-3436	17	26	to	to	PART
fsr-3436	17	27	finance	finance	VERB
fsr-3436	17	28	consumption	consumption	NOUN
fsr-3436	17	29	in	in	ADP
fsr-3436	17	30	retirement	retirement	NOUN
fsr-3436	17	31	may	may	AUX
fsr-3436	17	32	lead	lead	VERB
fsr-3436	17	33	to	to	ADP
fsr-3436	17	34	a	a	DET
fsr-3436	17	35	more	more	ADV
fsr-3436	17	36	satisfactory	satisfactory	ADJ
fsr-3436	17	37	retirement	retirement	NOUN
fsr-3436	17	38	experience	experience	NOUN
fsr-3436	17	39	.	.	PUNCT
fsr-3436	18	1	retirement	retirement	NOUN
fsr-3436	18	2	satisfaction	satisfaction	NOUN
fsr-3436	18	3	is	be	AUX
fsr-3436	18	4	affected	affect	VERB
fsr-3436	18	5	by	by	ADP
fsr-3436	18	6	many	many	ADJ
fsr-3436	18	7	different	different	ADJ
fsr-3436	18	8	factors	factor	NOUN
fsr-3436	18	9	,	,	PUNCT
fsr-3436	18	10	including	include	VERB
fsr-3436	18	11	a	a	DET
fsr-3436	18	12	retiree	retiree	NOUN
fsr-3436	18	13	’s	’s	PART
fsr-3436	18	14	financial	financial	ADJ
fsr-3436	18	15	situation	situation	NOUN
fsr-3436	18	16	(	(	PUNCT
fsr-3436	18	17	bonin	bonin	NOUN
fsr-3436	18	18	et	et	NOUN
fsr-3436	18	19	al	al	PROPN
fsr-3436	18	20	.	.	PROPN
fsr-3436	18	21	,	,	PUNCT
fsr-3436	18	22	2007	2007	NUM
fsr-3436	18	23	;	;	PUNCT
fsr-3436	18	24	diener	diener	PROPN
fsr-3436	18	25	et	et	PROPN
fsr-3436	18	26	al	al	PROPN
fsr-3436	18	27	.	.	PROPN
fsr-3436	18	28	,	,	PUNCT
fsr-3436	18	29	2010	2010	NUM
fsr-3436	18	30	;	;	PUNCT
fsr-3436	18	31	seccombe	seccombe	PROPN
fsr-3436	18	32	&	&	CCONJ
fsr-3436	18	33	lee	lee	PROPN
fsr-3436	18	34	,	,	PUNCT
fsr-3436	18	35	1986	1986	NUM
fsr-3436	18	36	)	)	PUNCT
fsr-3436	18	37	,	,	PUNCT
fsr-3436	18	38	marital	marital	ADJ
fsr-3436	18	39	status	status	NOUN
fsr-3436	18	40	(	(	PUNCT
fsr-3436	18	41	easterlin	easterlin	PROPN
fsr-3436	18	42	,	,	PUNCT
fsr-3436	18	43	2003	2003	NUM
fsr-3436	18	44	;	;	PUNCT
fsr-3436	18	45	van	van	PROPN
fsr-3436	18	46	solinge	solinge	NOUN
fsr-3436	18	47	,	,	PUNCT
fsr-3436	18	48	2008	2008	NUM
fsr-3436	18	49	)	)	PUNCT
fsr-3436	18	50	,	,	PUNCT
fsr-3436	18	51	health	health	NOUN
fsr-3436	18	52	status	status	NOUN
fsr-3436	18	53	(	(	PUNCT
fsr-3436	18	54	barfield	barfield	PROPN
fsr-3436	18	55	&	&	CCONJ
fsr-3436	18	56	morgan	morgan	PROPN
fsr-3436	18	57	,	,	PUNCT
fsr-3436	18	58	1978	1978	NUM
fsr-3436	18	59	;	;	PUNCT
fsr-3436	18	60	price	price	NOUN
fsr-3436	18	61	&	&	CCONJ
fsr-3436	18	62	balaswamy	balaswamy	PROPN
fsr-3436	18	63	,	,	PUNCT
fsr-3436	18	64	2009	2009	NUM
fsr-3436	18	65	)	)	PUNCT
fsr-3436	18	66	,	,	PUNCT
fsr-3436	18	67	and	and	CCONJ
fsr-3436	18	68	pre	pre	ADJ
fsr-3436	18	69	-	-	ADJ
fsr-3436	18	70	retirement	retirement	ADJ
fsr-3436	18	71	feelings	feeling	NOUN
fsr-3436	18	72	about	about	ADP
fsr-3436	18	73	retirement	retirement	NOUN
fsr-3436	18	74	(	(	PUNCT
fsr-3436	18	75	elder	elder	NOUN
fsr-3436	18	76	,	,	PUNCT
fsr-3436	18	77	1999	1999	NUM
fsr-3436	18	78	;	;	PUNCT
fsr-3436	18	79	kimmel	kimmel	PROPN
fsr-3436	18	80	,	,	PUNCT
fsr-3436	18	81	1978	1978	NUM
fsr-3436	18	82	)	)	PUNCT
fsr-3436	18	83	.	.	PUNCT
fsr-3436	19	1	planning	plan	VERB
fsr-3436	19	2	for	for	ADP
fsr-3436	19	3	retirement	retirement	NOUN
fsr-3436	19	4	,	,	PUNCT
fsr-3436	19	5	reading	read	VERB
fsr-3436	19	6	about	about	ADP
fsr-3436	19	7	retirement	retirement	NOUN
fsr-3436	19	8	,	,	PUNCT
fsr-3436	19	9	and	and	CCONJ
fsr-3436	19	10	exposure	exposure	NOUN
fsr-3436	19	11	to	to	ADP
fsr-3436	19	12	radio	radio	NOUN
fsr-3436	19	13	or	or	CCONJ
fsr-3436	19	14	television	television	NOUN
fsr-3436	19	15	programs	program	NOUN
fsr-3436	19	16	about	about	ADP
fsr-3436	19	17	retirement	retirement	NOUN
fsr-3436	19	18	also	also	ADV
fsr-3436	19	19	are	be	AUX
fsr-3436	19	20	significant	significant	ADJ
fsr-3436	19	21	correlates	correlate	NOUN
fsr-3436	19	22	of	of	ADP
fsr-3436	19	23	retirement	retirement	NOUN
fsr-3436	19	24	satisfaction	satisfaction	NOUN
fsr-3436	19	25	(	(	PUNCT
fsr-3436	19	26	dorfman	dorfman	PROPN
fsr-3436	19	27	,	,	PUNCT
fsr-3436	19	28	1989	1989	NUM
fsr-3436	19	29	;	;	PUNCT
fsr-3436	19	30	taylor	taylor	PROPN
fsr-3436	19	31	-	-	PUNCT
fsr-3436	19	32	carter	carter	PROPN
fsr-3436	19	33	,	,	PUNCT
fsr-3436	19	34	1997	1997	NUM
fsr-3436	19	35	)	)	PUNCT
fsr-3436	19	36	.	.	PUNCT
fsr-3436	20	1	many	many	ADJ
fsr-3436	20	2	studies	study	NOUN
fsr-3436	20	3	have	have	AUX
fsr-3436	20	4	analyzed	analyze	VERB
fsr-3436	20	5	how	how	SCONJ
fsr-3436	20	6	risk	risk	NOUN
fsr-3436	20	7	preference	preference	NOUN
fsr-3436	20	8	affects	affect	VERB
fsr-3436	20	9	utility	utility	NOUN
fsr-3436	20	10	(	(	PUNCT
fsr-3436	20	11	bachmann	bachmann	PROPN
fsr-3436	20	12	et	et	PROPN
fsr-3436	20	13	al	al	PROPN
fsr-3436	20	14	.	.	PROPN
fsr-3436	20	15	,	,	PUNCT
fsr-3436	20	16	2017	2017	NUM
fsr-3436	20	17	;	;	PUNCT
fsr-3436	20	18	hanna	hanna	PROPN
fsr-3436	20	19	&	&	CCONJ
fsr-3436	20	20	chen	chen	PROPN
fsr-3436	20	21	,	,	PUNCT
fsr-3436	20	22	1997	1997	NUM
fsr-3436	20	23	;	;	PUNCT
fsr-3436	20	24	pratt	pratt	PROPN
fsr-3436	20	25	,	,	PUNCT
fsr-3436	20	26	1964	1964	NUM
fsr-3436	20	27	;	;	PUNCT
fsr-3436	20	28	pålsson	pålsson	NOUN
fsr-3436	20	29	,	,	PUNCT
fsr-3436	20	30	1996	1996	NUM
fsr-3436	20	31	)	)	PUNCT
fsr-3436	20	32	.	.	PUNCT
fsr-3436	21	1	however	however	ADV
fsr-3436	21	2	,	,	PUNCT
fsr-3436	21	3	most	most	ADJ
fsr-3436	21	4	of	of	ADP
fsr-3436	21	5	these	these	DET
fsr-3436	21	6	studies	study	NOUN
fsr-3436	21	7	assume	assume	VERB
fsr-3436	21	8	homogeneity	homogeneity	NOUN
fsr-3436	21	9	in	in	ADP
fsr-3436	21	10	their	their	PRON
fsr-3436	21	11	sample	sample	NOUN
fsr-3436	21	12	and	and	CCONJ
fsr-3436	21	13	do	do	AUX
fsr-3436	21	14	not	not	PART
fsr-3436	21	15	consider	consider	VERB
fsr-3436	21	16	the	the	DET
fsr-3436	21	17	structural	structural	ADJ
fsr-3436	21	18	-	-	PUNCT
fsr-3436	21	19	grouping	group	VERB
fsr-3436	21	20	differences	difference	NOUN
fsr-3436	21	21	among	among	ADP
fsr-3436	21	22	the	the	DET
fsr-3436	21	23	population	population	NOUN
fsr-3436	21	24	,	,	PUNCT
fsr-3436	21	25	such	such	ADJ
fsr-3436	21	26	as	as	ADP
fsr-3436	21	27	how	how	SCONJ
fsr-3436	21	28	their	their	PRON
fsr-3436	21	29	results	result	NOUN
fsr-3436	21	30	would	would	AUX
fsr-3436	21	31	apply	apply	VERB
fsr-3436	21	32	to	to	ADP
fsr-3436	21	33	a	a	DET
fsr-3436	21	34	retired	retire	VERB
fsr-3436	21	35	sample	sample	NOUN
fsr-3436	21	36	.	.	PUNCT
fsr-3436	22	1	analyzing	analyze	VERB
fsr-3436	22	2	risk	risk	NOUN
fsr-3436	22	3	preferences	preference	NOUN
fsr-3436	22	4	and	and	CCONJ
fsr-3436	22	5	retiree	retiree	NOUN
fsr-3436	22	6	utility	utility	NOUN
fsr-3436	22	7	minimizes	minimize	VERB
fsr-3436	22	8	human	human	ADJ
fsr-3436	22	9	capital	capital	NOUN
fsr-3436	22	10	and	and	CCONJ
fsr-3436	22	11	employment	employment	NOUN
fsr-3436	22	12	considerations	consideration	NOUN
fsr-3436	22	13	that	that	PRON
fsr-3436	22	14	researchers	researcher	NOUN
fsr-3436	22	15	argue	argue	VERB
fsr-3436	22	16	should	should	AUX
fsr-3436	22	17	be	be	AUX
fsr-3436	22	18	considered	consider	VERB
fsr-3436	22	19	when	when	SCONJ
fsr-3436	22	20	measuring	measure	VERB
fsr-3436	22	21	risk	risk	NOUN
fsr-3436	22	22	preferences	preference	NOUN
fsr-3436	22	23	.	.	PUNCT
fsr-3436	23	1	for	for	ADP
fsr-3436	23	2	example	example	NOUN
fsr-3436	23	3	,	,	PUNCT
fsr-3436	23	4	individuals	individual	NOUN
fsr-3436	23	5	with	with	ADP
fsr-3436	23	6	higher	high	ADJ
fsr-3436	23	7	levels	level	NOUN
fsr-3436	23	8	of	of	ADP
fsr-3436	23	9	human	human	ADJ
fsr-3436	23	10	capital	capital	NOUN
fsr-3436	23	11	are	be	AUX
fsr-3436	23	12	more	more	ADV
fsr-3436	23	13	likely	likely	ADJ
fsr-3436	23	14	to	to	PART
fsr-3436	23	15	have	have	VERB
fsr-3436	23	16	higher	high	ADJ
fsr-3436	23	17	risk	risk	NOUN
fsr-3436	23	18	tolerance	tolerance	NOUN
fsr-3436	23	19	(	(	PUNCT
fsr-3436	23	20	shaw	shaw	NOUN
fsr-3436	23	21	,	,	PUNCT
fsr-3436	23	22	1996	1996	NUM
fsr-3436	23	23	)	)	PUNCT
fsr-3436	23	24	,	,	PUNCT
fsr-3436	23	25	suggesting	suggest	VERB
fsr-3436	23	26	that	that	SCONJ
fsr-3436	23	27	human	human	ADJ
fsr-3436	23	28	capital	capital	NOUN
fsr-3436	23	29	investment	investment	NOUN
fsr-3436	23	30	is	be	AUX
fsr-3436	23	31	an	an	DET
fsr-3436	23	32	inverse	inverse	ADJ
fsr-3436	23	33	function	function	NOUN
fsr-3436	23	34	of	of	ADP
fsr-3436	23	35	risk	risk	NOUN
fsr-3436	23	36	aversion	aversion	NOUN
fsr-3436	23	37	.	.	PUNCT
fsr-3436	24	1	thus	thus	ADV
fsr-3436	24	2	,	,	PUNCT
fsr-3436	24	3	the	the	DET
fsr-3436	24	4	potential	potential	NOUN
fsr-3436	24	5	for	for	ADP
fsr-3436	24	6	human	human	ADJ
fsr-3436	24	7	capital	capital	NOUN
fsr-3436	24	8	development	development	NOUN
fsr-3436	24	9	may	may	AUX
fsr-3436	24	10	affect	affect	VERB
fsr-3436	24	11	risk	risk	NOUN
fsr-3436	24	12	preference	preference	NOUN
fsr-3436	24	13	,	,	PUNCT
fsr-3436	24	14	as	as	SCONJ
fsr-3436	24	15	fully	fully	ADV
fsr-3436	24	16	retired	retire	VERB
fsr-3436	24	17	individuals	individual	NOUN
fsr-3436	24	18	will	will	AUX
fsr-3436	24	19	not	not	PART
fsr-3436	24	20	invest	invest	VERB
fsr-3436	24	21	in	in	ADP
fsr-3436	24	22	their	their	PRON
fsr-3436	24	23	human	human	ADJ
fsr-3436	24	24	capital	capital	NOUN
fsr-3436	24	25	for	for	ADP
fsr-3436	24	26	purposes	purpose	NOUN
fsr-3436	24	27	of	of	ADP
fsr-3436	24	28	future	future	ADJ
fsr-3436	24	29	labor	labor	NOUN
fsr-3436	24	30	income	income	NOUN
fsr-3436	24	31	.	.	PUNCT
fsr-3436	25	1	there	there	PRON
fsr-3436	25	2	are	be	VERB
fsr-3436	25	3	a	a	DET
fsr-3436	25	4	variety	variety	NOUN
fsr-3436	25	5	of	of	ADP
fsr-3436	25	6	ways	way	NOUN
fsr-3436	25	7	to	to	PART
fsr-3436	25	8	measure	measure	VERB
fsr-3436	25	9	risk	risk	NOUN
fsr-3436	25	10	preference	preference	NOUN
fsr-3436	25	11	.	.	PUNCT
fsr-3436	26	1	one	one	NUM
fsr-3436	26	2	approach	approach	NOUN
fsr-3436	26	3	is	be	AUX
fsr-3436	26	4	questionderived	questionderived	ADJ
fsr-3436	26	5	assessments	assessment	NOUN
fsr-3436	26	6	.	.	PUNCT
fsr-3436	27	1	however	however	ADV
fsr-3436	27	2	,	,	PUNCT
fsr-3436	27	3	risk	risk	NOUN
fsr-3436	27	4	-	-	PUNCT
fsr-3436	27	5	preference	preference	NOUN
fsr-3436	27	6	questionnaires	questionnaire	NOUN
fsr-3436	27	7	may	may	AUX
fsr-3436	27	8	not	not	PART
fsr-3436	27	9	be	be	AUX
fsr-3436	27	10	reflective	reflective	ADJ
fsr-3436	27	11	of	of	ADP
fsr-3436	27	12	actual	actual	ADJ
fsr-3436	27	13	investment	investment	NOUN
fsr-3436	27	14	behavior	behavior	NOUN
fsr-3436	27	15	(	(	PUNCT
fsr-3436	27	16	bouchey	bouchey	PROPN
fsr-3436	27	17	,	,	PUNCT
fsr-3436	27	18	2004	2004	NUM
fsr-3436	27	19	;	;	PUNCT
fsr-3436	27	20	corter	corter	PROPN
fsr-3436	27	21	&	&	CCONJ
fsr-3436	27	22	chen	chen	PROPN
fsr-3436	27	23	,	,	PUNCT
fsr-3436	27	24	2006	2006	NUM
fsr-3436	27	25	;	;	PUNCT
fsr-3436	27	26	yook	yook	PROPN
fsr-3436	27	27	&	&	CCONJ
fsr-3436	27	28	everett	everett	PROPN
fsr-3436	27	29	,	,	PUNCT
fsr-3436	27	30	2003	2003	NUM
fsr-3436	27	31	)	)	PUNCT
fsr-3436	27	32	.	.	PUNCT
fsr-3436	28	1	objective	objective	ADJ
fsr-3436	28	2	risk	risk	NOUN
fsr-3436	28	3	tolerance	tolerance	NOUN
fsr-3436	28	4	,	,	PUNCT
fsr-3436	28	5	or	or	CCONJ
fsr-3436	28	6	an	an	DET
fsr-3436	28	7	individual	individual	NOUN
fsr-3436	28	8	’s	’s	PART
fsr-3436	28	9	ratio	ratio	NOUN
fsr-3436	28	10	of	of	ADP
fsr-3436	28	11	risky	risky	ADJ
fsr-3436	28	12	financial	financial	ADJ
fsr-3436	28	13	assets	asset	NOUN
fsr-3436	28	14	relative	relative	ADJ
fsr-3436	28	15	to	to	ADP
fsr-3436	28	16	either	either	CCONJ
fsr-3436	28	17	their	their	PRON
fsr-3436	28	18	net	net	ADJ
fsr-3436	28	19	worth	worth	NOUN
fsr-3436	28	20	or	or	CCONJ
fsr-3436	28	21	assets	asset	NOUN
fsr-3436	28	22	,	,	PUNCT
fsr-3436	28	23	is	be	AUX
fsr-3436	28	24	another	another	DET
fsr-3436	28	25	measure	measure	NOUN
fsr-3436	28	26	used	use	VERB
fsr-3436	28	27	in	in	ADP
fsr-3436	28	28	a	a	DET
fsr-3436	28	29	variety	variety	NOUN
fsr-3436	28	30	of	of	ADP
fsr-3436	28	31	studies	study	NOUN
fsr-3436	28	32	(	(	PUNCT
fsr-3436	28	33	cordell	cordell	PROPN
fsr-3436	28	34	,	,	PUNCT
fsr-3436	28	35	2002	2002	NUM
fsr-3436	28	36	;	;	PUNCT
fsr-3436	28	37	hanna	hanna	PROPN
fsr-3436	28	38	&	&	CCONJ
fsr-3436	28	39	chen	chen	PROPN
fsr-3436	28	40	,	,	PUNCT
fsr-3436	28	41	1997	1997	NUM
fsr-3436	28	42	;	;	PUNCT
fsr-3436	28	43	sung	sung	PROPN
fsr-3436	28	44	&	&	CCONJ
fsr-3436	28	45	hanna	hanna	PROPN
fsr-3436	28	46	,	,	PUNCT
fsr-3436	28	47	1996	1996	NUM
fsr-3436	28	48	)	)	PUNCT
fsr-3436	28	49	.	.	PUNCT
fsr-3436	29	1	relative	relative	ADJ
fsr-3436	29	2	risk	risk	NOUN
fsr-3436	29	3	is	be	AUX
fsr-3436	29	4	another	another	DET
fsr-3436	29	5	measure	measure	NOUN
fsr-3436	29	6	of	of	ADP
fsr-3436	29	7	risk	risk	NOUN
fsr-3436	29	8	preference	preference	NOUN
fsr-3436	29	9	.	.	PUNCT
fsr-3436	30	1	relative	relative	ADJ
fsr-3436	30	2	risk	risk	NOUN
fsr-3436	30	3	provides	provide	VERB
fsr-3436	30	4	a	a	DET
fsr-3436	30	5	coefficient	coefficient	NOUN
fsr-3436	30	6	of	of	ADP
fsr-3436	30	7	individuals	individual	NOUN
fsr-3436	30	8	’	'	PUNCT
fsr-3436	30	9	level	level	NOUN
fsr-3436	30	10	of	of	ADP
fsr-3436	30	11	risk	risk	NOUN
fsr-3436	30	12	relative	relative	ADJ
fsr-3436	30	13	to	to	ADP
fsr-3436	30	14	their	their	PRON
fsr-3436	30	15	total	total	ADJ
fsr-3436	30	16	wealth	wealth	NOUN
fsr-3436	30	17	and	and	CCONJ
fsr-3436	30	18	may	may	AUX
fsr-3436	30	19	be	be	AUX
fsr-3436	30	20	a	a	DET
fsr-3436	30	21	better	well	ADJ
fsr-3436	30	22	measure	measure	NOUN
fsr-3436	30	23	when	when	SCONJ
fsr-3436	30	24	conducting	conduct	VERB
fsr-3436	30	25	a	a	DET
fsr-3436	30	26	comparative	comparative	ADJ
fsr-3436	30	27	analysis	analysis	NOUN
fsr-3436	30	28	(	(	PUNCT
fsr-3436	30	29	dyer	dyer	NOUN
fsr-3436	30	30	&	&	CCONJ
fsr-3436	30	31	sarin	sarin	NOUN
fsr-3436	30	32	,	,	PUNCT
fsr-3436	30	33	1982	1982	NUM
fsr-3436	30	34	)	)	PUNCT
fsr-3436	30	35	.	.	PUNCT
fsr-3436	31	1	the	the	DET
fsr-3436	31	2	goal	goal	NOUN
fsr-3436	31	3	of	of	ADP
fsr-3436	31	4	this	this	DET
fsr-3436	31	5	study	study	NOUN
fsr-3436	31	6	is	be	AUX
fsr-3436	31	7	to	to	PART
fsr-3436	31	8	measure	measure	VERB
fsr-3436	31	9	the	the	DET
fsr-3436	31	10	effect	effect	NOUN
fsr-3436	31	11	of	of	ADP
fsr-3436	31	12	the	the	DET
fsr-3436	31	13	risk	risk	NOUN
fsr-3436	31	14	ratio	ratio	NOUN
fsr-3436	31	15	on	on	ADP
fsr-3436	31	16	retirement	retirement	NOUN
fsr-3436	31	17	satisfaction	satisfaction	NOUN
fsr-3436	31	18	levels	level	NOUN
fsr-3436	31	19	.	.	PUNCT
fsr-3436	32	1	this	this	DET
fsr-3436	32	2	research	research	NOUN
fsr-3436	32	3	question	question	NOUN
fsr-3436	32	4	will	will	AUX
fsr-3436	32	5	help	help	VERB
fsr-3436	32	6	shed	shed	VERB
fsr-3436	32	7	light	light	NOUN
fsr-3436	32	8	on	on	ADP
fsr-3436	32	9	the	the	DET
fsr-3436	32	10	association	association	NOUN
fsr-3436	32	11	between	between	ADP
fsr-3436	32	12	risky	risky	ADJ
fsr-3436	32	13	asset	asset	NOUN
fsr-3436	32	14	holdings	holding	NOUN
fsr-3436	32	15	in	in	ADP
fsr-3436	32	16	retirement	retirement	NOUN
fsr-3436	32	17	,	,	PUNCT
fsr-3436	32	18	relative	relative	ADJ
fsr-3436	32	19	to	to	ADP
fsr-3436	32	20	total	total	ADJ
fsr-3436	32	21	wealth	wealth	NOUN
fsr-3436	32	22	,	,	PUNCT
fsr-3436	32	23	and	and	CCONJ
fsr-3436	32	24	retirement	retirement	NOUN
fsr-3436	32	25	satisfaction	satisfaction	NOUN
fsr-3436	32	26	.	.	PUNCT
fsr-3436	33	1	we	we	PRON
fsr-3436	33	2	posit	posit	VERB
fsr-3436	33	3	that	that	SCONJ
fsr-3436	33	4	assets	asset	NOUN
fsr-3436	33	5	with	with	ADP
fsr-3436	33	6	higher	high	ADJ
fsr-3436	33	7	risk	risk	NOUN
fsr-3436	33	8	also	also	ADV
fsr-3436	33	9	come	come	VERB
fsr-3436	33	10	with	with	ADP
fsr-3436	33	11	the	the	DET
fsr-3436	33	12	potential	potential	NOUN
fsr-3436	33	13	for	for	ADP
fsr-3436	33	14	higher	high	ADJ
fsr-3436	33	15	returns	return	NOUN
fsr-3436	33	16	,	,	PUNCT
fsr-3436	33	17	and	and	CCONJ
fsr-3436	33	18	higher	high	ADJ
fsr-3436	33	19	returns	return	NOUN
fsr-3436	33	20	provide	provide	VERB
fsr-3436	33	21	retirees	retiree	NOUN
fsr-3436	33	22	with	with	ADP
fsr-3436	33	23	more	more	ADJ
fsr-3436	33	24	income	income	NOUN
fsr-3436	33	25	to	to	PART
fsr-3436	33	26	finance	finance	VERB
fsr-3436	33	27	their	their	PRON
fsr-3436	33	28	consumption	consumption	NOUN
fsr-3436	33	29	in	in	ADP
fsr-3436	33	30	retirement	retirement	NOUN
fsr-3436	33	31	.	.	PUNCT
fsr-3436	34	1	therefore	therefore	ADV
fsr-3436	34	2	,	,	PUNCT
fsr-3436	34	3	we	we	PRON
fsr-3436	34	4	hypothesize	hypothesize	VERB
fsr-3436	34	5	that	that	SCONJ
fsr-3436	34	6	a	a	DET
fsr-3436	34	7	higher	high	ADJ
fsr-3436	34	8	level	level	NOUN
fsr-3436	34	9	of	of	ADP
fsr-3436	34	10	risky	risky	ADJ
fsr-3436	34	11	assets	asset	NOUN
fsr-3436	34	12	,	,	PUNCT
fsr-3436	34	13	relative	relative	ADJ
fsr-3436	34	14	to	to	ADP
fsr-3436	34	15	total	total	ADJ
fsr-3436	34	16	wealth	wealth	NOUN
fsr-3436	34	17	,	,	PUNCT
fsr-3436	34	18	may	may	AUX
fsr-3436	34	19	lead	lead	VERB
fsr-3436	34	20	to	to	ADP
fsr-3436	34	21	higher	high	ADJ
fsr-3436	34	22	retirement	retirement	NOUN
fsr-3436	34	23	satisfaction	satisfaction	NOUN
fsr-3436	34	24	.	.	PUNCT
fsr-3436	35	1	data	datum	NOUN
fsr-3436	35	2	longitudinal	longitudinal	ADJ
fsr-3436	35	3	data	datum	NOUN
fsr-3436	35	4	that	that	PRON
fsr-3436	35	5	are	be	AUX
fsr-3436	35	6	collected	collect	VERB
fsr-3436	35	7	from	from	ADP
fsr-3436	35	8	the	the	DET
fsr-3436	35	9	health	health	NOUN
fsr-3436	35	10	and	and	CCONJ
fsr-3436	35	11	retirement	retirement	NOUN
fsr-3436	35	12	study	study	NOUN
fsr-3436	35	13	(	(	PUNCT
fsr-3436	35	14	hrs	hrs	NOUN
fsr-3436	35	15	)	)	PUNCT
fsr-3436	35	16	are	be	AUX
fsr-3436	35	17	used	use	VERB
fsr-3436	35	18	for	for	ADP
fsr-3436	35	19	hypothesis	hypothesis	NOUN
fsr-3436	35	20	testing.1	testing.1	INTJ
fsr-3436	35	21	the	the	DET
fsr-3436	35	22	hrs	hrs	NOUN
fsr-3436	35	23	is	be	AUX
fsr-3436	35	24	a	a	DET
fsr-3436	35	25	household	household	NOUN
fsr-3436	35	26	survey	survey	NOUN
fsr-3436	35	27	conducted	conduct	VERB
fsr-3436	35	28	by	by	ADP
fsr-3436	35	29	the	the	DET
fsr-3436	35	30	institute	institute	NOUN
fsr-3436	35	31	for	for	ADP
fsr-3436	35	32	342	342	NUM
fsr-3436	35	33	b.	b.	PROPN
fsr-3436	35	34	pearson	pearson	PROPN
fsr-3436	35	35	,	,	PUNCT
fsr-3436	35	36	m.	m.	NOUN
fsr-3436	35	37	guillemette	guillemette	NOUN
fsr-3436	35	38	/	/	SYM
fsr-3436	35	39	financial	financial	ADJ
fsr-3436	35	40	services	service	NOUN
fsr-3436	35	41	review	review	VERB
fsr-3436	35	42	28	28	NUM
fsr-3436	35	43	(	(	PUNCT
fsr-3436	35	44	2020	2020	NUM
fsr-3436	35	45	)	)	PUNCT
fsr-3436	36	1	341–350	341–350	NUM
fsr-3436	36	2	social	social	ADJ
fsr-3436	36	3	research	research	NOUN
fsr-3436	36	4	at	at	ADP
fsr-3436	36	5	the	the	DET
fsr-3436	36	6	university	university	PROPN
fsr-3436	36	7	of	of	ADP
fsr-3436	36	8	michigan	michigan	PROPN
fsr-3436	36	9	.	.	PUNCT
fsr-3436	37	1	the	the	DET
fsr-3436	37	2	rand	rand	NOUN
fsr-3436	37	3	hrs	hrs	NOUN
fsr-3436	37	4	2014	2014	NUM
fsr-3436	37	5	fat	fat	NOUN
fsr-3436	37	6	file	file	NOUN
fsr-3436	37	7	(	(	PUNCT
fsr-3436	37	8	v2a	v2a	NOUN
fsr-3436	37	9	)	)	PUNCT
fsr-3436	37	10	is	be	AUX
fsr-3436	37	11	used	use	VERB
fsr-3436	37	12	,	,	PUNCT
fsr-3436	37	13	which	which	PRON
fsr-3436	37	14	includes	include	VERB
fsr-3436	37	15	the	the	DET
fsr-3436	37	16	1992	1992	NUM
fsr-3436	37	17	-	-	SYM
fsr-3436	37	18	2014	2014	NUM
fsr-3436	37	19	waves.2	waves.2	VERB
fsr-3436	37	20	the	the	DET
fsr-3436	37	21	sample	sample	NOUN
fsr-3436	37	22	only	only	ADV
fsr-3436	37	23	includes	include	VERB
fsr-3436	37	24	individuals	individual	NOUN
fsr-3436	37	25	who	who	PRON
fsr-3436	37	26	are	be	AUX
fsr-3436	37	27	fully	fully	ADV
fsr-3436	37	28	retired	retire	VERB
fsr-3436	37	29	.	.	PUNCT
fsr-3436	38	1	to	to	PART
fsr-3436	38	2	focus	focus	VERB
fsr-3436	38	3	solely	solely	ADV
fsr-3436	38	4	on	on	ADP
fsr-3436	38	5	retirees	retiree	NOUN
fsr-3436	38	6	,	,	PUNCT
fsr-3436	38	7	the	the	DET
fsr-3436	38	8	subset	subset	NOUN
fsr-3436	38	9	of	of	ADP
fsr-3436	38	10	hrs	hrs	NOUN
fsr-3436	38	11	respondents	respondent	NOUN
fsr-3436	38	12	who	who	PRON
fsr-3436	38	13	answer	answer	VERB
fsr-3436	38	14	“	"	PUNCT
fsr-3436	38	15	retired	retire	VERB
fsr-3436	38	16	”	"	PUNCT
fsr-3436	38	17	when	when	SCONJ
fsr-3436	38	18	asked	ask	VERB
fsr-3436	38	19	,	,	PUNCT
fsr-3436	38	20	“	"	PUNCT
fsr-3436	38	21	are	be	AUX
fsr-3436	38	22	you	you	PRON
fsr-3436	38	23	working	work	VERB
fsr-3436	38	24	now	now	ADV
fsr-3436	38	25	,	,	PUNCT
fsr-3436	38	26	temporarily	temporarily	ADV
fsr-3436	38	27	laid	lay	VERB
fsr-3436	38	28	off	off	ADP
fsr-3436	38	29	,	,	PUNCT
fsr-3436	38	30	unemployed	unemployed	ADJ
fsr-3436	38	31	and	and	CCONJ
fsr-3436	38	32	looking	look	VERB
fsr-3436	38	33	for	for	ADP
fsr-3436	38	34	work	work	NOUN
fsr-3436	38	35	,	,	PUNCT
fsr-3436	38	36	disabled	disabled	ADJ
fsr-3436	38	37	and	and	CCONJ
fsr-3436	38	38	unable	unable	ADJ
fsr-3436	38	39	to	to	PART
fsr-3436	38	40	work	work	VERB
fsr-3436	38	41	,	,	PUNCT
fsr-3436	38	42	retired	retire	VERB
fsr-3436	38	43	,	,	PUNCT
fsr-3436	38	44	a	a	DET
fsr-3436	38	45	homemaker	homemaker	NOUN
fsr-3436	38	46	,	,	PUNCT
fsr-3436	38	47	or	or	CCONJ
fsr-3436	38	48	what	what	PRON
fsr-3436	38	49	?	?	PUNCT
fsr-3436	38	50	”	"	PUNCT
fsr-3436	38	51	respondents	respondent	NOUN
fsr-3436	38	52	who	who	PRON
fsr-3436	38	53	state	state	VERB
fsr-3436	38	54	anything	anything	PRON
fsr-3436	38	55	other	other	ADJ
fsr-3436	38	56	than	than	ADP
fsr-3436	38	57	“	"	PUNCT
fsr-3436	38	58	retired	retire	VERB
fsr-3436	38	59	,	,	PUNCT
fsr-3436	38	60	”	"	PUNCT
fsr-3436	38	61	as	as	ADV
fsr-3436	38	62	well	well	ADV
fsr-3436	38	63	as	as	ADP
fsr-3436	38	64	incomplete	incomplete	ADJ
fsr-3436	38	65	responses	response	NOUN
fsr-3436	38	66	,	,	PUNCT
fsr-3436	38	67	are	be	AUX
fsr-3436	38	68	dropped	drop	VERB
fsr-3436	38	69	from	from	ADP
fsr-3436	38	70	the	the	DET
fsr-3436	38	71	analysis	analysis	NOUN
fsr-3436	38	72	.	.	PUNCT
fsr-3436	39	1	respondents	respondent	NOUN
fsr-3436	39	2	who	who	PRON
fsr-3436	39	3	state	state	VERB
fsr-3436	39	4	that	that	SCONJ
fsr-3436	39	5	they	they	PRON
fsr-3436	39	6	are	be	AUX
fsr-3436	39	7	retired	retire	VERB
fsr-3436	39	8	,	,	PUNCT
fsr-3436	39	9	yet	yet	CCONJ
fsr-3436	39	10	still	still	ADV
fsr-3436	39	11	reported	report	VERB
fsr-3436	39	12	earned	earn	VERB
fsr-3436	39	13	income	income	NOUN
fsr-3436	39	14	,	,	PUNCT
fsr-3436	39	15	are	be	AUX
fsr-3436	39	16	also	also	ADV
fsr-3436	39	17	dropped	drop	VERB
fsr-3436	39	18	from	from	ADP
fsr-3436	39	19	the	the	DET
fsr-3436	39	20	sample	sample	NOUN
fsr-3436	39	21	.	.	PUNCT
fsr-3436	40	1	this	this	PRON
fsr-3436	40	2	is	be	AUX
fsr-3436	40	3	done	do	VERB
fsr-3436	40	4	to	to	PART
fsr-3436	40	5	ensure	ensure	VERB
fsr-3436	40	6	that	that	SCONJ
fsr-3436	40	7	the	the	DET
fsr-3436	40	8	sample	sample	NOUN
fsr-3436	40	9	is	be	AUX
fsr-3436	40	10	fully	fully	ADV
fsr-3436	40	11	retired	retire	VERB
fsr-3436	40	12	and	and	CCONJ
fsr-3436	40	13	that	that	SCONJ
fsr-3436	40	14	the	the	DET
fsr-3436	40	15	only	only	ADJ
fsr-3436	40	16	income	income	NOUN
fsr-3436	40	17	that	that	PRON
fsr-3436	40	18	the	the	DET
fsr-3436	40	19	sample	sample	NOUN
fsr-3436	40	20	receives	receive	VERB
fsr-3436	40	21	is	be	AUX
fsr-3436	40	22	non	non	ADJ
fsr-3436	40	23	-	-	ADJ
fsr-3436	40	24	labor	labor	ADJ
fsr-3436	40	25	income	income	NOUN
fsr-3436	40	26	.	.	PUNCT
fsr-3436	41	1	the	the	DET
fsr-3436	41	2	presence	presence	NOUN
fsr-3436	41	3	of	of	ADP
fsr-3436	41	4	labor	labor	NOUN
fsr-3436	41	5	income	income	NOUN
fsr-3436	41	6	would	would	AUX
fsr-3436	41	7	add	add	VERB
fsr-3436	41	8	complexities	complexity	NOUN
fsr-3436	41	9	to	to	ADP
fsr-3436	41	10	the	the	DET
fsr-3436	41	11	analysis	analysis	NOUN
fsr-3436	41	12	that	that	PRON
fsr-3436	41	13	are	be	AUX
fsr-3436	41	14	difficult	difficult	ADJ
fsr-3436	41	15	to	to	PART
fsr-3436	41	16	control	control	VERB
fsr-3436	41	17	for	for	ADP
fsr-3436	41	18	given	give	VERB
fsr-3436	41	19	the	the	DET
fsr-3436	41	20	data	datum	NOUN
fsr-3436	41	21	limitations	limitation	NOUN
fsr-3436	41	22	within	within	ADP
fsr-3436	41	23	the	the	DET
fsr-3436	41	24	hrs	hrs	NOUN
fsr-3436	41	25	.	.	PUNCT
fsr-3436	42	1	for	for	ADP
fsr-3436	42	2	example	example	NOUN
fsr-3436	42	3	,	,	PUNCT
fsr-3436	42	4	the	the	DET
fsr-3436	42	5	riskiness	riskiness	NOUN
fsr-3436	42	6	of	of	ADP
fsr-3436	42	7	labor	labor	NOUN
fsr-3436	42	8	income	income	NOUN
fsr-3436	42	9	varies	vary	VERB
fsr-3436	42	10	based	base	VERB
fsr-3436	42	11	on	on	ADP
fsr-3436	42	12	factors	factor	NOUN
fsr-3436	42	13	such	such	ADJ
fsr-3436	42	14	as	as	ADP
fsr-3436	42	15	occupation	occupation	NOUN
fsr-3436	42	16	and	and	CCONJ
fsr-3436	42	17	tenure	tenure	NOUN
fsr-3436	42	18	,	,	PUNCT
fsr-3436	42	19	and	and	CCONJ
fsr-3436	42	20	there	there	PRON
fsr-3436	42	21	are	be	VERB
fsr-3436	42	22	either	either	CCONJ
fsr-3436	42	23	limited	limited	ADJ
fsr-3436	42	24	or	or	CCONJ
fsr-3436	42	25	no	no	DET
fsr-3436	42	26	data	datum	NOUN
fsr-3436	42	27	available	available	ADJ
fsr-3436	42	28	to	to	PART
fsr-3436	42	29	control	control	VERB
fsr-3436	42	30	for	for	ADP
fsr-3436	42	31	these	these	DET
fsr-3436	42	32	differences	difference	NOUN
fsr-3436	42	33	among	among	ADP
fsr-3436	42	34	respondents	respondent	NOUN
fsr-3436	42	35	within	within	ADP
fsr-3436	42	36	the	the	DET
fsr-3436	42	37	hrs	hrs	NOUN
fsr-3436	42	38	.	.	PUNCT
fsr-3436	43	1	utility	utility	NOUN
fsr-3436	43	2	is	be	AUX
fsr-3436	43	3	measured	measure	VERB
fsr-3436	43	4	as	as	ADP
fsr-3436	43	5	a	a	DET
fsr-3436	43	6	retiree	retiree	NOUN
fsr-3436	43	7	’s	’s	PART
fsr-3436	43	8	level	level	NOUN
fsr-3436	43	9	of	of	ADP
fsr-3436	43	10	retirement	retirement	NOUN
fsr-3436	43	11	satisfaction	satisfaction	NOUN
fsr-3436	43	12	.	.	PUNCT
fsr-3436	44	1	retirement	retirement	NOUN
fsr-3436	44	2	satisfaction	satisfaction	NOUN
fsr-3436	44	3	is	be	AUX
fsr-3436	44	4	measured	measure	VERB
fsr-3436	44	5	using	use	VERB
fsr-3436	44	6	the	the	DET
fsr-3436	44	7	following	follow	VERB
fsr-3436	44	8	question	question	NOUN
fsr-3436	44	9	:	:	PUNCT
fsr-3436	44	10	“	"	PUNCT
fsr-3436	44	11	all	all	PRON
fsr-3436	44	12	in	in	ADV
fsr-3436	44	13	all	all	PRON
fsr-3436	44	14	,	,	PUNCT
fsr-3436	44	15	would	would	AUX
fsr-3436	44	16	you	you	PRON
fsr-3436	44	17	say	say	VERB
fsr-3436	44	18	that	that	SCONJ
fsr-3436	44	19	your	your	PRON
fsr-3436	44	20	retirement	retirement	NOUN
fsr-3436	44	21	has	have	AUX
fsr-3436	44	22	turned	turn	VERB
fsr-3436	44	23	out	out	ADP
fsr-3436	44	24	to	to	PART
fsr-3436	44	25	be	be	AUX
fsr-3436	44	26	very	very	ADV
fsr-3436	44	27	satisfying	satisfying	ADJ
fsr-3436	44	28	,	,	PUNCT
fsr-3436	44	29	moderately	moderately	ADV
fsr-3436	44	30	satisfying	satisfying	ADJ
fsr-3436	44	31	,	,	PUNCT
fsr-3436	44	32	or	or	CCONJ
fsr-3436	44	33	not	not	PART
fsr-3436	44	34	at	at	ADV
fsr-3436	44	35	all	all	ADV
fsr-3436	44	36	satisfying	satisfying	ADJ
fsr-3436	44	37	?	?	PUNCT
fsr-3436	44	38	”	"	PUNCT
fsr-3436	44	39	using	use	VERB
fsr-3436	44	40	a	a	DET
fsr-3436	44	41	likert	likert	ADJ
fsr-3436	44	42	method	method	NOUN
fsr-3436	44	43	,	,	PUNCT
fsr-3436	44	44	the	the	DET
fsr-3436	44	45	observations	observation	NOUN
fsr-3436	44	46	are	be	AUX
fsr-3436	44	47	coded	code	VERB
fsr-3436	44	48	as	as	ADP
fsr-3436	44	49	1	1	NUM
fsr-3436	44	50	(	(	PUNCT
fsr-3436	44	51	not	not	PART
fsr-3436	44	52	at	at	ADV
fsr-3436	44	53	all	all	ADV
fsr-3436	44	54	satisfied	satisfied	ADJ
fsr-3436	44	55	3,520	3,520	NUM
fsr-3436	44	56	)	)	PUNCT
fsr-3436	44	57	,	,	PUNCT
fsr-3436	44	58	2	2	NUM
fsr-3436	44	59	(	(	PUNCT
fsr-3436	44	60	moderately	moderately	ADV
fsr-3436	44	61	satisfied	satisfied	ADJ
fsr-3436	44	62	20,234	20,234	NUM
fsr-3436	44	63	)	)	PUNCT
fsr-3436	44	64	,	,	PUNCT
fsr-3436	44	65	and	and	CCONJ
fsr-3436	44	66	3	3	NUM
fsr-3436	44	67	(	(	PUNCT
fsr-3436	44	68	very	very	ADV
fsr-3436	44	69	satisfied	satisfied	ADJ
fsr-3436	44	70	35,640	35,640	NUM
fsr-3436	44	71	)	)	PUNCT
fsr-3436	44	72	.	.	PUNCT
fsr-3436	45	1	the	the	DET
fsr-3436	45	2	average	average	ADJ
fsr-3436	45	3	satisfaction	satisfaction	NOUN
fsr-3436	45	4	score	score	NOUN
fsr-3436	45	5	is	be	AUX
fsr-3436	45	6	2.54	2.54	NUM
fsr-3436	45	7	.	.	PUNCT
fsr-3436	46	1	this	this	PRON
fsr-3436	46	2	implies	imply	VERB
fsr-3436	46	3	that	that	SCONJ
fsr-3436	46	4	“	"	PUNCT
fsr-3436	46	5	very	very	ADV
fsr-3436	46	6	satisfied	satisfied	ADJ
fsr-3436	46	7	”	"	PUNCT
fsr-3436	46	8	individuals	individual	NOUN
fsr-3436	46	9	were	be	AUX
fsr-3436	46	10	more	more	ADV
fsr-3436	46	11	likely	likely	ADJ
fsr-3436	46	12	to	to	PART
fsr-3436	46	13	be	be	AUX
fsr-3436	46	14	found	find	VERB
fsr-3436	46	15	in	in	ADP
fsr-3436	46	16	the	the	DET
fsr-3436	46	17	data	datum	NOUN
fsr-3436	46	18	and	and	CCONJ
fsr-3436	46	19	therefore	therefore	ADV
fsr-3436	46	20	selection	selection	NOUN
fsr-3436	46	21	bias	bias	NOUN
fsr-3436	46	22	might	might	AUX
fsr-3436	46	23	influence	influence	VERB
fsr-3436	46	24	the	the	DET
fsr-3436	46	25	results	result	NOUN
fsr-3436	46	26	.	.	PUNCT
fsr-3436	47	1	the	the	DET
fsr-3436	47	2	sample	sample	NOUN
fsr-3436	47	3	size	size	NOUN
fsr-3436	47	4	is	be	AUX
fsr-3436	47	5	17,672	17,672	NUM
fsr-3436	47	6	and	and	CCONJ
fsr-3436	47	7	there	there	PRON
fsr-3436	47	8	are	be	VERB
fsr-3436	47	9	59,404	59,404	NUM
fsr-3436	47	10	observations	observation	NOUN
fsr-3436	47	11	.	.	PUNCT
fsr-3436	48	1	the	the	DET
fsr-3436	48	2	risk	risk	NOUN
fsr-3436	48	3	ratio	ratio	NOUN
fsr-3436	48	4	variable	variable	NOUN
fsr-3436	48	5	the	the	DET
fsr-3436	48	6	risk	risk	NOUN
fsr-3436	48	7	ratio	ratio	NOUN
fsr-3436	48	8	(	(	PUNCT
fsr-3436	48	9	rr	rr	NOUN
fsr-3436	48	10	)	)	PUNCT
fsr-3436	48	11	variable	variable	NOUN
fsr-3436	48	12	is	be	AUX
fsr-3436	48	13	constructed	construct	VERB
fsr-3436	48	14	by	by	ADP
fsr-3436	48	15	dividing	divide	VERB
fsr-3436	48	16	retirees	retiree	NOUN
fsr-3436	48	17	’	'	PUNCT
fsr-3436	48	18	stock	stock	NOUN
fsr-3436	48	19	assets	asset	NOUN
fsr-3436	48	20	by	by	ADP
fsr-3436	48	21	their	their	PRON
fsr-3436	48	22	total	total	ADJ
fsr-3436	48	23	wealth	wealth	NOUN
fsr-3436	48	24	:	:	PUNCT
fsr-3436	48	25	rrit	rrit	VERB
fsr-3436	48	26	¼	¼	NOUN
fsr-3436	48	27	tseai	tseai	NOUN
fsr-3436	48	28	on	on	ADP
fsr-3436	48	29	i¼0	i¼0	PROPN
fsr-3436	48	30	tseaið	tseaið	VERB
fsr-3436	48	31	þ	þ	PROPN
fsr-3436	48	32	þ	þ	PROPN
fsr-3436	48	33	tbeaið	tbeaið	PROPN
fsr-3436	49	1	þ	þ	PROPN
fsr-3436	49	2	þ	þ	PROPN
fsr-3436	49	3	tcaið	tcaið	VERB
fsr-3436	49	4	þ	þ	PROPN
fsr-3436	49	5	þ	þ	PROPN
fsr-3436	49	6	e	e	PROPN
fsr-3436	49	7	heið	heið	PROPN
fsr-3436	49	8	þ	þ	PROPN
fsr-3436	49	9	�	�	PROPN
fsr-3436	49	10	�	�	PROPN
fsr-3436	49	11	where	where	SCONJ
fsr-3436	49	12	tseai	tseai	PROPN
fsr-3436	49	13	¼	¼	NOUN
fsr-3436	49	14	total	total	ADJ
fsr-3436	49	15	stock	stock	NOUN
fsr-3436	49	16	equity	equity	NOUN
fsr-3436	49	17	assets	asset	NOUN
fsr-3436	49	18	.	.	PUNCT
fsr-3436	50	1	tbeai	tbeai	PROPN
fsr-3436	50	2	¼	¼	NOUN
fsr-3436	50	3	total	total	ADJ
fsr-3436	50	4	bond	bond	NOUN
fsr-3436	50	5	assets	asset	NOUN
fsr-3436	50	6	.	.	PUNCT
fsr-3436	51	1	tcai	tcai	NOUN
fsr-3436	51	2	¼	¼	NOUN
fsr-3436	51	3	total	total	NOUN
fsr-3436	51	4	market	market	NOUN
fsr-3436	51	5	and	and	CCONJ
fsr-3436	51	6	non	non	ADJ
fsr-3436	51	7	-	-	ADJ
fsr-3436	51	8	market	market	ADJ
fsr-3436	51	9	cash	cash	NOUN
fsr-3436	51	10	assets	asset	NOUN
fsr-3436	51	11	.	.	PUNCT
fsr-3436	52	1	e	e	PROPN
fsr-3436	52	2	heið	heið	PROPN
fsr-3436	52	3	þ	þ	PROPN
fsr-3436	52	4	¼	¼	NOUN
fsr-3436	52	5	summation	summation	NOUN
fsr-3436	52	6	of	of	ADP
fsr-3436	52	7	all	all	DET
fsr-3436	52	8	residences	residence	NOUN
fsr-3436	52	9	–	–	PUNCT
fsr-3436	52	10	all	all	DET
fsr-3436	52	11	mortgage	mortgage	NOUN
fsr-3436	52	12	liabilities	liability	NOUN
fsr-3436	52	13	.	.	PUNCT
fsr-3436	53	1	total	total	ADJ
fsr-3436	53	2	stock	stock	NOUN
fsr-3436	53	3	equity	equity	NOUN
fsr-3436	53	4	assets	asset	NOUN
fsr-3436	53	5	(	(	PUNCT
fsr-3436	53	6	tsea	tsea	ADJ
fsr-3436	53	7	)	)	PUNCT
fsr-3436	53	8	are	be	AUX
fsr-3436	53	9	considered	consider	VERB
fsr-3436	53	10	risky	risky	ADJ
fsr-3436	53	11	assets	asset	NOUN
fsr-3436	53	12	,	,	PUNCT
fsr-3436	53	13	which	which	PRON
fsr-3436	53	14	include	include	VERB
fsr-3436	53	15	the	the	DET
fsr-3436	53	16	net	net	ADJ
fsr-3436	53	17	value	value	NOUN
fsr-3436	53	18	of	of	ADP
fsr-3436	53	19	stocks	stock	NOUN
fsr-3436	53	20	,	,	PUNCT
fsr-3436	53	21	mutual	mutual	ADJ
fsr-3436	53	22	funds	fund	NOUN
fsr-3436	53	23	,	,	PUNCT
fsr-3436	53	24	and	and	CCONJ
fsr-3436	53	25	investment	investment	NOUN
fsr-3436	53	26	trusts	trust	NOUN
fsr-3436	53	27	.	.	PUNCT
fsr-3436	54	1	total	total	ADJ
fsr-3436	54	2	bond	bond	NOUN
fsr-3436	54	3	assets	asset	NOUN
fsr-3436	54	4	(	(	PUNCT
fsr-3436	54	5	tbea	tbea	NOUN
fsr-3436	54	6	)	)	PUNCT
fsr-3436	54	7	include	include	VERB
fsr-3436	54	8	the	the	DET
fsr-3436	54	9	net	net	ADJ
fsr-3436	54	10	value	value	NOUN
fsr-3436	54	11	of	of	ADP
fsr-3436	54	12	bonds	bond	NOUN
fsr-3436	54	13	and	and	CCONJ
fsr-3436	54	14	bond	bond	NOUN
fsr-3436	54	15	funds	fund	NOUN
fsr-3436	54	16	.	.	PUNCT
fsr-3436	55	1	the	the	DET
fsr-3436	55	2	market	market	NOUN
fsr-3436	55	3	and	and	CCONJ
fsr-3436	55	4	non	non	ADJ
fsr-3436	55	5	-	-	ADJ
fsr-3436	55	6	market	market	ADJ
fsr-3436	55	7	cash	cash	NOUN
fsr-3436	55	8	assets	asset	NOUN
fsr-3436	55	9	(	(	PUNCT
fsr-3436	55	10	tca	tca	PROPN
fsr-3436	55	11	)	)	PUNCT
fsr-3436	55	12	include	include	VERB
fsr-3436	55	13	the	the	DET
fsr-3436	55	14	net	net	ADJ
fsr-3436	55	15	value	value	NOUN
fsr-3436	55	16	of	of	ADP
fsr-3436	55	17	cds	cd	NOUN
fsr-3436	55	18	,	,	PUNCT
fsr-3436	55	19	government	government	NOUN
fsr-3436	55	20	savings	saving	NOUN
fsr-3436	55	21	bonds	bond	NOUN
fsr-3436	55	22	,	,	PUNCT
fsr-3436	55	23	t	t	NOUN
fsr-3436	55	24	-	-	PUNCT
fsr-3436	55	25	bills	bill	NOUN
fsr-3436	55	26	,	,	PUNCT
fsr-3436	55	27	checking	check	VERB
fsr-3436	55	28	accounts	account	NOUN
fsr-3436	55	29	,	,	PUNCT
fsr-3436	55	30	savings	saving	NOUN
fsr-3436	55	31	accounts	account	NOUN
fsr-3436	55	32	and	and	CCONJ
fsr-3436	55	33	money	money	NOUN
fsr-3436	55	34	market	market	NOUN
fsr-3436	55	35	accounts	account	NOUN
fsr-3436	55	36	.	.	PUNCT
fsr-3436	56	1	b.	b.	PROPN
fsr-3436	56	2	pearson	pearson	PROPN
fsr-3436	56	3	,	,	PUNCT
fsr-3436	56	4	m.	m.	NOUN
fsr-3436	56	5	guillemette	guillemette	NOUN
fsr-3436	56	6	/	/	SYM
fsr-3436	56	7	financial	financial	ADJ
fsr-3436	56	8	services	service	NOUN
fsr-3436	56	9	review	review	VERB
fsr-3436	56	10	28	28	NUM
fsr-3436	56	11	(	(	PUNCT
fsr-3436	56	12	2020	2020	NUM
fsr-3436	56	13	)	)	PUNCT
fsr-3436	57	1	341–350	341–350	NUM
fsr-3436	57	2	343	343	NUM
fsr-3436	57	3	home	home	NOUN
fsr-3436	57	4	equity	equity	NOUN
fsr-3436	57	5	is	be	AUX
fsr-3436	57	6	included	include	VERB
fsr-3436	57	7	as	as	ADP
fsr-3436	57	8	a	a	DET
fsr-3436	57	9	riskless	riskless	NOUN
fsr-3436	57	10	asset	asset	NOUN
fsr-3436	57	11	in	in	ADP
fsr-3436	57	12	the	the	DET
fsr-3436	57	13	denominator	denominator	NOUN
fsr-3436	57	14	.	.	PUNCT
fsr-3436	58	1	the	the	DET
fsr-3436	58	2	results	result	NOUN
fsr-3436	58	3	may	may	AUX
fsr-3436	58	4	be	be	AUX
fsr-3436	58	5	sensitive	sensitive	ADJ
fsr-3436	58	6	to	to	ADP
fsr-3436	58	7	the	the	DET
fsr-3436	58	8	treatment	treatment	NOUN
fsr-3436	58	9	of	of	ADP
fsr-3436	58	10	whether	whether	SCONJ
fsr-3436	58	11	or	or	CCONJ
fsr-3436	58	12	not	not	PART
fsr-3436	58	13	home	home	NOUN
fsr-3436	58	14	equity	equity	NOUN
fsr-3436	58	15	is	be	AUX
fsr-3436	58	16	included	include	VERB
fsr-3436	58	17	as	as	ADP
fsr-3436	58	18	a	a	DET
fsr-3436	58	19	riskless	riskless	NOUN
fsr-3436	58	20	or	or	CCONJ
fsr-3436	58	21	risky	risky	ADJ
fsr-3436	58	22	asset	asset	NOUN
fsr-3436	58	23	(	(	PUNCT
fsr-3436	58	24	hanna	hanna	PROPN
fsr-3436	58	25	et	et	PROPN
fsr-3436	58	26	al	al	PROPN
fsr-3436	58	27	.	.	PROPN
fsr-3436	58	28	,	,	PUNCT
fsr-3436	58	29	2001	2001	NUM
fsr-3436	58	30	;	;	PUNCT
fsr-3436	58	31	pålsson	pålsson	NOUN
fsr-3436	58	32	,	,	PUNCT
fsr-3436	58	33	1996	1996	NUM
fsr-3436	58	34	)	)	PUNCT
fsr-3436	58	35	.	.	PUNCT
fsr-3436	59	1	home	home	NOUN
fsr-3436	59	2	equity	equity	NOUN
fsr-3436	59	3	is	be	AUX
fsr-3436	59	4	treated	treat	VERB
fsr-3436	59	5	as	as	ADP
fsr-3436	59	6	a	a	DET
fsr-3436	59	7	riskless	riskless	NOUN
fsr-3436	59	8	asset	asset	NOUN
fsr-3436	59	9	for	for	ADP
fsr-3436	59	10	the	the	DET
fsr-3436	59	11	reasons	reason	NOUN
fsr-3436	59	12	noted	note	VERB
fsr-3436	59	13	by	by	ADP
fsr-3436	59	14	bellante	bellante	NOUN
fsr-3436	59	15	and	and	CCONJ
fsr-3436	59	16	green	green	ADJ
fsr-3436	59	17	(	(	PUNCT
fsr-3436	59	18	2004	2004	NUM
fsr-3436	59	19	)	)	PUNCT
fsr-3436	59	20	.	.	PUNCT
fsr-3436	60	1	they	they	PRON
fsr-3436	60	2	suggest	suggest	VERB
fsr-3436	60	3	that	that	SCONJ
fsr-3436	60	4	home	home	NOUN
fsr-3436	60	5	equity	equity	NOUN
fsr-3436	60	6	is	be	AUX
fsr-3436	60	7	riskless	riskless	NOUN
fsr-3436	60	8	because	because	SCONJ
fsr-3436	60	9	the	the	DET
fsr-3436	60	10	older	old	ADJ
fsr-3436	60	11	segments	segment	NOUN
fsr-3436	60	12	of	of	ADP
fsr-3436	60	13	the	the	DET
fsr-3436	60	14	u.s	u.s	PROPN
fsr-3436	60	15	.	.	PROPN
fsr-3436	60	16	population	population	NOUN
fsr-3436	60	17	are	be	AUX
fsr-3436	60	18	more	more	ADV
fsr-3436	60	19	likely	likely	ADJ
fsr-3436	60	20	to	to	PART
fsr-3436	60	21	own	own	VERB
fsr-3436	60	22	their	their	PRON
fsr-3436	60	23	homes	home	NOUN
fsr-3436	60	24	and	and	CCONJ
fsr-3436	60	25	carry	carry	VERB
fsr-3436	60	26	very	very	ADV
fsr-3436	60	27	little	little	ADJ
fsr-3436	60	28	debt	debt	NOUN
fsr-3436	60	29	.	.	PUNCT
fsr-3436	61	1	therefore	therefore	ADV
fsr-3436	61	2	,	,	PUNCT
fsr-3436	61	3	the	the	DET
fsr-3436	61	4	low	low	ADJ
fsr-3436	61	5	leverage	leverage	NOUN
fsr-3436	61	6	levels	level	NOUN
fsr-3436	61	7	provide	provide	VERB
fsr-3436	61	8	a	a	DET
fsr-3436	61	9	barrier	barrier	NOUN
fsr-3436	61	10	to	to	ADP
fsr-3436	61	11	the	the	DET
fsr-3436	61	12	effects	effect	NOUN
fsr-3436	61	13	of	of	ADP
fsr-3436	61	14	home	home	NOUN
fsr-3436	61	15	-	-	PUNCT
fsr-3436	61	16	equity	equity	NOUN
fsr-3436	61	17	value	value	NOUN
fsr-3436	61	18	fluctuations	fluctuation	NOUN
fsr-3436	61	19	.	.	PUNCT
fsr-3436	62	1	it	it	PRON
fsr-3436	62	2	should	should	AUX
fsr-3436	62	3	be	be	AUX
fsr-3436	62	4	noted	note	VERB
fsr-3436	62	5	that	that	SCONJ
fsr-3436	62	6	housing	housing	NOUN
fsr-3436	62	7	debt	debt	NOUN
fsr-3436	62	8	has	have	AUX
fsr-3436	62	9	been	be	AUX
fsr-3436	62	10	increasing	increase	VERB
fsr-3436	62	11	slightly	slightly	ADV
fsr-3436	62	12	among	among	ADP
fsr-3436	62	13	older	old	ADJ
fsr-3436	62	14	americans	americans	PROPN
fsr-3436	62	15	(	(	PUNCT
fsr-3436	62	16	lusardi	lusardi	PROPN
fsr-3436	62	17	et	et	PROPN
fsr-3436	62	18	al	al	PROPN
fsr-3436	62	19	.	.	PROPN
fsr-3436	62	20	,	,	PUNCT
fsr-3436	62	21	2018	2018	NUM
fsr-3436	62	22	)	)	PUNCT
fsr-3436	62	23	since	since	SCONJ
fsr-3436	62	24	bellante	bellante	NOUN
fsr-3436	62	25	and	and	CCONJ
fsr-3436	62	26	green	green	PROPN
fsr-3436	62	27	’s	’s	PROPN
fsr-3436	62	28	(	(	PUNCT
fsr-3436	62	29	2004	2004	NUM
fsr-3436	62	30	)	)	PUNCT
fsr-3436	62	31	study	study	NOUN
fsr-3436	62	32	.	.	PUNCT
fsr-3436	63	1	additionally	additionally	ADV
fsr-3436	63	2	,	,	PUNCT
fsr-3436	63	3	home	home	NOUN
fsr-3436	63	4	equity	equity	NOUN
fsr-3436	63	5	provides	provide	VERB
fsr-3436	63	6	a	a	DET
fsr-3436	63	7	hedge	hedge	NOUN
fsr-3436	63	8	against	against	ADP
fsr-3436	63	9	systemic	systemic	ADJ
fsr-3436	63	10	inflationary	inflationary	ADJ
fsr-3436	63	11	risks	risk	NOUN
fsr-3436	63	12	.	.	PUNCT
fsr-3436	64	1	human	human	ADJ
fsr-3436	64	2	capital	capital	NOUN
fsr-3436	64	3	is	be	AUX
fsr-3436	64	4	a	a	DET
fsr-3436	64	5	substantial	substantial	ADJ
fsr-3436	64	6	part	part	NOUN
fsr-3436	64	7	of	of	ADP
fsr-3436	64	8	an	an	DET
fsr-3436	64	9	individual	individual	NOUN
fsr-3436	64	10	’s	’s	PART
fsr-3436	64	11	wealth	wealth	NOUN
fsr-3436	64	12	(	(	PUNCT
fsr-3436	64	13	schultz	schultz	PROPN
fsr-3436	64	14	,	,	PUNCT
fsr-3436	64	15	1961	1961	NUM
fsr-3436	64	16	)	)	PUNCT
fsr-3436	64	17	.	.	PUNCT
fsr-3436	65	1	as	as	SCONJ
fsr-3436	65	2	noted	note	VERB
fsr-3436	65	3	in	in	ADP
fsr-3436	65	4	hanna	hanna	PROPN
fsr-3436	65	5	and	and	CCONJ
fsr-3436	65	6	chen	chen	PROPN
fsr-3436	65	7	’s	’s	PART
fsr-3436	65	8	(	(	PUNCT
fsr-3436	65	9	1997	1997	NUM
fsr-3436	65	10	)	)	PUNCT
fsr-3436	65	11	study	study	NOUN
fsr-3436	65	12	,	,	PUNCT
fsr-3436	65	13	human	human	ADJ
fsr-3436	65	14	capital	capital	NOUN
fsr-3436	65	15	should	should	AUX
fsr-3436	65	16	be	be	AUX
fsr-3436	65	17	analyzed	analyze	VERB
fsr-3436	65	18	as	as	ADP
fsr-3436	65	19	a	a	DET
fsr-3436	65	20	part	part	NOUN
fsr-3436	65	21	of	of	ADP
fsr-3436	65	22	the	the	DET
fsr-3436	65	23	total	total	ADJ
fsr-3436	65	24	wealth	wealth	NOUN
fsr-3436	65	25	portfolio	portfolio	NOUN
fsr-3436	65	26	when	when	SCONJ
fsr-3436	65	27	developing	develop	VERB
fsr-3436	65	28	objective	objective	ADJ
fsr-3436	65	29	risk	risk	NOUN
fsr-3436	65	30	measures	measure	NOUN
fsr-3436	65	31	,	,	PUNCT
fsr-3436	65	32	such	such	ADJ
fsr-3436	65	33	as	as	ADP
fsr-3436	65	34	the	the	DET
fsr-3436	65	35	rr	rr	PROPN
fsr-3436	65	36	variable	variable	NOUN
fsr-3436	65	37	.	.	PUNCT
fsr-3436	66	1	however	however	ADV
fsr-3436	66	2	,	,	PUNCT
fsr-3436	66	3	human	human	ADJ
fsr-3436	66	4	capital	capital	NOUN
fsr-3436	66	5	estimates	estimate	NOUN
fsr-3436	66	6	are	be	AUX
fsr-3436	66	7	difficult	difficult	ADJ
fsr-3436	66	8	to	to	PART
fsr-3436	66	9	assess	assess	VERB
fsr-3436	66	10	,	,	PUNCT
fsr-3436	66	11	with	with	ADP
fsr-3436	66	12	many	many	ADJ
fsr-3436	66	13	of	of	ADP
fsr-3436	66	14	the	the	DET
fsr-3436	66	15	methods	method	NOUN
fsr-3436	66	16	under	under	ADP
fsr-3436	66	17	heavy	heavy	ADJ
fsr-3436	66	18	academic	academic	ADJ
fsr-3436	66	19	scrutiny	scrutiny	NOUN
fsr-3436	66	20	(	(	PUNCT
fsr-3436	66	21	chenet	chenet	PROPN
fsr-3436	66	22	al	al	PROPN
fsr-3436	66	23	.	.	PROPN
fsr-3436	66	24	,	,	PUNCT
fsr-3436	66	25	2004	2004	NUM
fsr-3436	66	26	;	;	PUNCT
fsr-3436	66	27	fitz	fitz	PROPN
fsr-3436	66	28	-	-	PUNCT
fsr-3436	66	29	enz	enz	NOUN
fsr-3436	66	30	,	,	PUNCT
fsr-3436	66	31	2000	2000	NUM
fsr-3436	66	32	;	;	PUNCT
fsr-3436	66	33	mulligan	mulligan	PROPN
fsr-3436	66	34	&	&	CCONJ
fsr-3436	66	35	sala	sala	PROPN
fsr-3436	66	36	-	-	PUNCT
fsr-3436	66	37	i	i	PROPN
fsr-3436	66	38	-	-	PUNCT
fsr-3436	66	39	martin	martin	PROPN
fsr-3436	66	40	,	,	PUNCT
fsr-3436	66	41	2000	2000	NUM
fsr-3436	66	42	)	)	PUNCT
fsr-3436	66	43	.	.	PUNCT
fsr-3436	67	1	because	because	SCONJ
fsr-3436	67	2	retirees	retiree	NOUN
fsr-3436	67	3	are	be	AUX
fsr-3436	67	4	analyzed	analyze	VERB
fsr-3436	67	5	,	,	PUNCT
fsr-3436	67	6	it	it	PRON
fsr-3436	67	7	is	be	AUX
fsr-3436	67	8	assumed	assume	VERB
fsr-3436	67	9	that	that	SCONJ
fsr-3436	67	10	they	they	PRON
fsr-3436	67	11	will	will	AUX
fsr-3436	67	12	not	not	PART
fsr-3436	67	13	use	use	VERB
fsr-3436	67	14	their	their	PRON
fsr-3436	67	15	human	human	ADJ
fsr-3436	67	16	capital	capital	NOUN
fsr-3436	67	17	for	for	ADP
fsr-3436	67	18	income	income	NOUN
fsr-3436	67	19	nor	nor	CCONJ
fsr-3436	67	20	invest	invest	VERB
fsr-3436	67	21	in	in	ADP
fsr-3436	67	22	their	their	PRON
fsr-3436	67	23	human	human	ADJ
fsr-3436	67	24	capital	capital	NOUN
fsr-3436	67	25	.	.	PUNCT
fsr-3436	68	1	human	human	ADJ
fsr-3436	68	2	capital	capital	NOUN
fsr-3436	68	3	,	,	PUNCT
fsr-3436	68	4	therefore	therefore	ADV
fsr-3436	68	5	,	,	PUNCT
fsr-3436	68	6	is	be	AUX
fsr-3436	68	7	assumed	assume	VERB
fsr-3436	68	8	to	to	PART
fsr-3436	68	9	have	have	VERB
fsr-3436	68	10	a	a	DET
fsr-3436	68	11	value	value	NOUN
fsr-3436	68	12	of	of	ADP
fsr-3436	68	13	zero	zero	NUM
fsr-3436	68	14	for	for	ADP
fsr-3436	68	15	the	the	DET
fsr-3436	68	16	retirees	retiree	NOUN
fsr-3436	68	17	in	in	ADP
fsr-3436	68	18	the	the	DET
fsr-3436	68	19	sample	sample	NOUN
fsr-3436	68	20	.	.	PUNCT
fsr-3436	69	1	retirees	retiree	NOUN
fsr-3436	69	2	may	may	AUX
fsr-3436	69	3	consider	consider	VERB
fsr-3436	69	4	their	their	PRON
fsr-3436	69	5	non	non	ADJ
fsr-3436	69	6	-	-	ADJ
fsr-3436	69	7	labor	labor	ADJ
fsr-3436	69	8	income	income	NOUN
fsr-3436	69	9	sources	source	NOUN
fsr-3436	69	10	when	when	SCONJ
fsr-3436	69	11	deciding	decide	VERB
fsr-3436	69	12	on	on	ADP
fsr-3436	69	13	the	the	DET
fsr-3436	69	14	level	level	NOUN
fsr-3436	69	15	of	of	ADP
fsr-3436	69	16	risk	risk	NOUN
fsr-3436	69	17	of	of	ADP
fsr-3436	69	18	their	their	PRON
fsr-3436	69	19	saved	save	VERB
fsr-3436	69	20	assets	asset	NOUN
fsr-3436	69	21	.	.	PUNCT
fsr-3436	70	1	thus	thus	ADV
fsr-3436	70	2	,	,	PUNCT
fsr-3436	70	3	arguments	argument	NOUN
fsr-3436	70	4	could	could	AUX
fsr-3436	70	5	be	be	AUX
fsr-3436	70	6	made	make	VERB
fsr-3436	70	7	for	for	ADP
fsr-3436	70	8	the	the	DET
fsr-3436	70	9	inclusion	inclusion	NOUN
fsr-3436	70	10	of	of	ADP
fsr-3436	70	11	the	the	DET
fsr-3436	70	12	net	net	ADJ
fsr-3436	70	13	present	present	ADJ
fsr-3436	70	14	value	value	NOUN
fsr-3436	70	15	(	(	PUNCT
fsr-3436	70	16	npv	npv	NOUN
fsr-3436	70	17	)	)	PUNCT
fsr-3436	70	18	of	of	ADP
fsr-3436	70	19	pension	pension	NOUN
fsr-3436	70	20	,	,	PUNCT
fsr-3436	70	21	annuity	annuity	NOUN
fsr-3436	70	22	,	,	PUNCT
fsr-3436	70	23	social	social	ADJ
fsr-3436	70	24	security	security	NOUN
fsr-3436	70	25	,	,	PUNCT
fsr-3436	70	26	and	and	CCONJ
fsr-3436	70	27	other	other	ADJ
fsr-3436	70	28	non	non	ADJ
fsr-3436	70	29	-	-	ADJ
fsr-3436	70	30	labor	labor	ADJ
fsr-3436	70	31	incomes	income	NOUN
fsr-3436	70	32	in	in	ADP
fsr-3436	70	33	the	the	DET
fsr-3436	70	34	rr	rr	PROPN
fsr-3436	70	35	total	total	ADJ
fsr-3436	70	36	-	-	PUNCT
fsr-3436	70	37	wealth	wealth	NOUN
fsr-3436	70	38	denominator	denominator	NOUN
fsr-3436	70	39	.	.	PUNCT
fsr-3436	71	1	the	the	DET
fsr-3436	71	2	rr	rr	PROPN
fsr-3436	71	3	variable	variable	NOUN
fsr-3436	71	4	does	do	AUX
fsr-3436	71	5	not	not	PART
fsr-3436	71	6	include	include	VERB
fsr-3436	71	7	the	the	DET
fsr-3436	71	8	npv	npv	NOUN
fsr-3436	71	9	of	of	ADP
fsr-3436	71	10	non	non	ADJ
fsr-3436	71	11	-	-	ADJ
fsr-3436	71	12	labor	labor	ADJ
fsr-3436	71	13	incomes	income	NOUN
fsr-3436	71	14	because	because	SCONJ
fsr-3436	71	15	non	non	ADJ
fsr-3436	71	16	-	-	ADJ
fsr-3436	71	17	labor	labor	ADJ
fsr-3436	71	18	income	income	NOUN
fsr-3436	71	19	is	be	AUX
fsr-3436	71	20	controlled	control	VERB
fsr-3436	71	21	for	for	ADP
fsr-3436	71	22	in	in	ADP
fsr-3436	71	23	the	the	DET
fsr-3436	71	24	quantitative	quantitative	ADJ
fsr-3436	71	25	analysis	analysis	NOUN
fsr-3436	71	26	.	.	PUNCT
fsr-3436	72	1	other	other	ADJ
fsr-3436	72	2	variables	variable	NOUN
fsr-3436	72	3	dummy	dummy	ADJ
fsr-3436	72	4	variables	variable	NOUN
fsr-3436	72	5	are	be	AUX
fsr-3436	72	6	created	create	VERB
fsr-3436	72	7	and	and	CCONJ
fsr-3436	72	8	coded	code	VERB
fsr-3436	72	9	with	with	ADP
fsr-3436	72	10	a	a	DET
fsr-3436	72	11	value	value	NOUN
fsr-3436	72	12	of	of	ADP
fsr-3436	72	13	“	"	PUNCT
fsr-3436	72	14	1	1	NUM
fsr-3436	72	15	”	"	PUNCT
fsr-3436	72	16	if	if	SCONJ
fsr-3436	72	17	the	the	DET
fsr-3436	72	18	respondent	respondent	NOUN
fsr-3436	72	19	is	be	AUX
fsr-3436	72	20	white	white	ADJ
fsr-3436	72	21	,	,	PUNCT
fsr-3436	72	22	married	married	ADJ
fsr-3436	72	23	,	,	PUNCT
fsr-3436	72	24	or	or	CCONJ
fsr-3436	72	25	male	male	NOUN
fsr-3436	72	26	.	.	PUNCT
fsr-3436	73	1	a	a	DET
fsr-3436	73	2	“	"	PUNCT
fsr-3436	73	3	0	0	NUM
fsr-3436	73	4	”	"	PUNCT
fsr-3436	73	5	is	be	AUX
fsr-3436	73	6	coded	code	VERB
fsr-3436	73	7	otherwise	otherwise	ADV
fsr-3436	73	8	.	.	PUNCT
fsr-3436	74	1	continuous	continuous	ADJ
fsr-3436	74	2	variables	variable	NOUN
fsr-3436	74	3	are	be	AUX
fsr-3436	74	4	created	create	VERB
fsr-3436	74	5	to	to	PART
fsr-3436	74	6	measure	measure	VERB
fsr-3436	74	7	the	the	DET
fsr-3436	74	8	retirees	retiree	NOUN
fsr-3436	74	9	’	’	PART
fsr-3436	74	10	age	age	NOUN
fsr-3436	74	11	,	,	PUNCT
fsr-3436	74	12	non	non	ADJ
fsr-3436	74	13	-	-	ADJ
fsr-3436	74	14	labor	labor	ADJ
fsr-3436	74	15	income	income	NOUN
fsr-3436	74	16	(	(	PUNCT
fsr-3436	74	17	income	income	NOUN
fsr-3436	74	18	)	)	PUNCT
fsr-3436	74	19	,	,	PUNCT
fsr-3436	74	20	non	non	ADJ
fsr-3436	74	21	-	-	ADJ
fsr-3436	74	22	housing	housing	ADJ
fsr-3436	74	23	wealth	wealth	NOUN
fsr-3436	74	24	(	(	PUNCT
fsr-3436	74	25	wealth	wealth	NOUN
fsr-3436	74	26	)	)	PUNCT
fsr-3436	74	27	,	,	PUNCT
fsr-3436	74	28	and	and	CCONJ
fsr-3436	74	29	years	year	NOUN
fsr-3436	74	30	of	of	ADP
fsr-3436	74	31	education	education	NOUN
fsr-3436	74	32	.	.	PUNCT
fsr-3436	75	1	nominal	nominal	ADJ
fsr-3436	75	2	values	value	NOUN
fsr-3436	75	3	are	be	AUX
fsr-3436	75	4	used	use	VERB
fsr-3436	75	5	for	for	ADP
fsr-3436	75	6	income	income	NOUN
fsr-3436	75	7	and	and	CCONJ
fsr-3436	75	8	wealth	wealth	NOUN
fsr-3436	75	9	.	.	PUNCT
fsr-3436	76	1	a	a	DET
fsr-3436	76	2	categorical	categorical	ADJ
fsr-3436	76	3	variable	variable	NOUN
fsr-3436	76	4	measuring	measure	VERB
fsr-3436	76	5	health	health	NOUN
fsr-3436	76	6	status	status	NOUN
fsr-3436	76	7	also	also	ADV
fsr-3436	76	8	is	be	AUX
fsr-3436	76	9	created	create	VERB
fsr-3436	76	10	.	.	PUNCT
fsr-3436	77	1	the	the	DET
fsr-3436	77	2	health	health	NOUN
fsr-3436	77	3	status	status	NOUN
fsr-3436	77	4	variable	variable	NOUN
fsr-3436	77	5	can	can	AUX
fsr-3436	77	6	take	take	VERB
fsr-3436	77	7	the	the	DET
fsr-3436	77	8	following	follow	VERB
fsr-3436	77	9	values	value	NOUN
fsr-3436	77	10	:	:	PUNCT
fsr-3436	77	11	1	1	NUM
fsr-3436	77	12	(	(	PUNCT
fsr-3436	77	13	poor	poor	ADJ
fsr-3436	77	14	)	)	PUNCT
fsr-3436	77	15	,	,	PUNCT
fsr-3436	77	16	2	2	NUM
fsr-3436	77	17	(	(	PUNCT
fsr-3436	77	18	fair	fair	ADJ
fsr-3436	77	19	)	)	PUNCT
fsr-3436	77	20	,	,	PUNCT
fsr-3436	77	21	3	3	NUM
fsr-3436	77	22	(	(	PUNCT
fsr-3436	77	23	good	good	ADJ
fsr-3436	77	24	)	)	PUNCT
fsr-3436	77	25	,	,	PUNCT
fsr-3436	77	26	4	4	NUM
fsr-3436	77	27	(	(	PUNCT
fsr-3436	77	28	very	very	ADV
fsr-3436	77	29	good	good	ADJ
fsr-3436	77	30	)	)	PUNCT
fsr-3436	77	31	,	,	PUNCT
fsr-3436	77	32	and	and	CCONJ
fsr-3436	77	33	5	5	NUM
fsr-3436	77	34	(	(	PUNCT
fsr-3436	77	35	excellent	excellent	ADJ
fsr-3436	77	36	)	)	PUNCT
fsr-3436	77	37	.	.	PUNCT
fsr-3436	78	1	table	table	NOUN
fsr-3436	78	2	1	1	NUM
fsr-3436	78	3	provides	provide	VERB
fsr-3436	78	4	the	the	DET
fsr-3436	78	5	descriptive	descriptive	ADJ
fsr-3436	78	6	statistics	statistic	NOUN
fsr-3436	78	7	of	of	ADP
fsr-3436	78	8	the	the	DET
fsr-3436	78	9	sample	sample	NOUN
fsr-3436	78	10	.	.	PUNCT
fsr-3436	79	1	the	the	DET
fsr-3436	79	2	average	average	ADJ
fsr-3436	79	3	rr	rr	NOUN
fsr-3436	79	4	is	be	AUX
fsr-3436	79	5	0.09	0.09	NUM
fsr-3436	79	6	.	.	PUNCT
fsr-3436	80	1	the	the	DET
fsr-3436	80	2	average	average	ADJ
fsr-3436	80	3	age	age	NOUN
fsr-3436	80	4	of	of	ADP
fsr-3436	80	5	the	the	DET
fsr-3436	80	6	retirees	retiree	NOUN
fsr-3436	80	7	in	in	ADP
fsr-3436	80	8	the	the	DET
fsr-3436	80	9	sample	sample	NOUN
fsr-3436	80	10	is	be	AUX
fsr-3436	80	11	73	73	NUM
fsr-3436	80	12	.	.	PUNCT
fsr-3436	81	1	the	the	DET
fsr-3436	81	2	average	average	ADJ
fsr-3436	81	3	income	income	NOUN
fsr-3436	81	4	and	and	CCONJ
fsr-3436	81	5	wealth	wealth	NOUN
fsr-3436	81	6	of	of	ADP
fsr-3436	81	7	the	the	DET
fsr-3436	81	8	retirees	retiree	NOUN
fsr-3436	81	9	are	be	AUX
fsr-3436	81	10	$	$	SYM
fsr-3436	81	11	49,720	49,720	NUM
fsr-3436	81	12	and	and	CCONJ
fsr-3436	81	13	$	$	SYM
fsr-3436	81	14	187,068	187,068	NUM
fsr-3436	81	15	,	,	PUNCT
fsr-3436	81	16	respectively	respectively	ADV
fsr-3436	81	17	.	.	PUNCT
fsr-3436	82	1	respondents	respondent	NOUN
fsr-3436	82	2	in	in	ADP
fsr-3436	82	3	our	our	PRON
fsr-3436	82	4	sample	sample	NOUN
fsr-3436	82	5	are	be	AUX
fsr-3436	82	6	wealthier	wealthy	ADJ
fsr-3436	82	7	than	than	ADP
fsr-3436	82	8	average	average	ADJ
fsr-3436	82	9	and	and	CCONJ
fsr-3436	82	10	,	,	PUNCT
fsr-3436	82	11	therefore	therefore	ADV
fsr-3436	82	12	,	,	PUNCT
fsr-3436	82	13	have	have	VERB
fsr-3436	82	14	more	more	ADJ
fsr-3436	82	15	resources	resource	NOUN
fsr-3436	82	16	for	for	ADP
fsr-3436	82	17	consumption	consumption	NOUN
fsr-3436	82	18	,	,	PUNCT
fsr-3436	82	19	which	which	PRON
fsr-3436	82	20	may	may	AUX
fsr-3436	82	21	be	be	AUX
fsr-3436	82	22	a	a	DET
fsr-3436	82	23	possible	possible	ADJ
fsr-3436	82	24	explanation	explanation	NOUN
fsr-3436	82	25	for	for	ADP
fsr-3436	82	26	why	why	SCONJ
fsr-3436	82	27	the	the	DET
fsr-3436	82	28	mean	mean	ADJ
fsr-3436	82	29	retirement	retirement	NOUN
fsr-3436	82	30	satisfaction	satisfaction	NOUN
fsr-3436	82	31	score	score	NOUN
fsr-3436	82	32	is	be	AUX
fsr-3436	82	33	2.54	2.54	NUM
fsr-3436	82	34	out	out	ADP
fsr-3436	82	35	of	of	ADP
fsr-3436	82	36	3	3	NUM
fsr-3436	82	37	.	.	PUNCT
fsr-3436	83	1	therefore	therefore	ADV
fsr-3436	83	2	,	,	PUNCT
fsr-3436	83	3	selection	selection	NOUN
fsr-3436	83	4	bias	bias	NOUN
fsr-3436	83	5	may	may	AUX
fsr-3436	83	6	be	be	AUX
fsr-3436	83	7	present	present	ADJ
fsr-3436	83	8	.	.	PUNCT
fsr-3436	84	1	the	the	DET
fsr-3436	84	2	sample	sample	NOUN
fsr-3436	84	3	includes	include	VERB
fsr-3436	84	4	87.81	87.81	NUM
fsr-3436	84	5	%	%	NOUN
fsr-3436	84	6	white	white	ADJ
fsr-3436	84	7	retirees	retiree	NOUN
fsr-3436	84	8	,	,	PUNCT
fsr-3436	84	9	45.74	45.74	NUM
fsr-3436	84	10	%	%	NOUN
fsr-3436	84	11	male	male	ADJ
fsr-3436	84	12	retirees	retiree	NOUN
fsr-3436	84	13	,	,	PUNCT
fsr-3436	84	14	and	and	CCONJ
fsr-3436	84	15	61.11	61.11	NUM
fsr-3436	84	16	%	%	NOUN
fsr-3436	84	17	of	of	ADP
fsr-3436	84	18	the	the	DET
fsr-3436	84	19	retirees	retiree	NOUN
fsr-3436	84	20	are	be	AUX
fsr-3436	84	21	married	married	ADJ
fsr-3436	84	22	.	.	PUNCT
fsr-3436	85	1	table	table	NOUN
fsr-3436	85	2	2	2	NUM
fsr-3436	85	3	provides	provide	VERB
fsr-3436	85	4	a	a	DET
fsr-3436	85	5	further	further	ADJ
fsr-3436	85	6	breakdown	breakdown	NOUN
fsr-3436	85	7	of	of	ADP
fsr-3436	85	8	the	the	DET
fsr-3436	85	9	descriptive	descriptive	ADJ
fsr-3436	85	10	statistics	statistic	NOUN
fsr-3436	85	11	by	by	ADP
fsr-3436	85	12	retirement	retirement	NOUN
fsr-3436	85	13	satisfaction	satisfaction	NOUN
fsr-3436	85	14	levels	level	NOUN
fsr-3436	85	15	.	.	PUNCT
fsr-3436	86	1	there	there	PRON
fsr-3436	86	2	is	be	VERB
fsr-3436	86	3	a	a	DET
fsr-3436	86	4	positive	positive	ADJ
fsr-3436	86	5	relation	relation	NOUN
fsr-3436	86	6	between	between	ADP
fsr-3436	86	7	the	the	DET
fsr-3436	86	8	rr	rr	PROPN
fsr-3436	86	9	variable	variable	NOUN
fsr-3436	86	10	and	and	CCONJ
fsr-3436	86	11	retirement	retirement	NOUN
fsr-3436	86	12	satisfaction	satisfaction	NOUN
fsr-3436	86	13	.	.	PUNCT
fsr-3436	87	1	retirees	retiree	NOUN
fsr-3436	87	2	being	be	AUX
fsr-3436	87	3	“	"	PUNCT
fsr-3436	87	4	not	not	PART
fsr-3436	87	5	at	at	ADV
fsr-3436	87	6	all	all	ADV
fsr-3436	87	7	”	"	PUNCT
fsr-3436	87	8	satisfied	satisfied	ADJ
fsr-3436	87	9	,	,	PUNCT
fsr-3436	87	10	“	"	PUNCT
fsr-3436	87	11	moderately	moderately	ADV
fsr-3436	87	12	”	"	PUNCT
fsr-3436	87	13	satisfied	satisfied	ADJ
fsr-3436	87	14	,	,	PUNCT
fsr-3436	87	15	and	and	CCONJ
fsr-3436	87	16	“	"	PUNCT
fsr-3436	87	17	very	very	ADJ
fsr-3436	87	18	”	"	PUNCT
fsr-3436	87	19	satisfied	satisfied	ADJ
fsr-3436	87	20	with	with	ADP
fsr-3436	87	21	their	their	PRON
fsr-3436	87	22	retirements	retirement	NOUN
fsr-3436	87	23	have	have	VERB
fsr-3436	87	24	average	average	ADJ
fsr-3436	87	25	risk	risk	NOUN
fsr-3436	87	26	ratios	ratio	NOUN
fsr-3436	87	27	of	of	ADP
fsr-3436	87	28	0.05	0.05	NUM
fsr-3436	87	29	,	,	PUNCT
fsr-3436	87	30	0.07	0.07	NUM
fsr-3436	87	31	,	,	PUNCT
fsr-3436	87	32	and	and	CCONJ
fsr-3436	87	33	0.11	0.11	NUM
fsr-3436	87	34	,	,	PUNCT
fsr-3436	87	35	respectively	respectively	ADV
fsr-3436	87	36	.	.	PUNCT
fsr-3436	88	1	additionally	additionally	ADV
fsr-3436	88	2	,	,	PUNCT
fsr-3436	88	3	there	there	ADV
fsr-3436	88	4	344	344	NUM
fsr-3436	88	5	b.	b.	PROPN
fsr-3436	88	6	pearson	pearson	PROPN
fsr-3436	88	7	,	,	PUNCT
fsr-3436	88	8	m.	m.	NOUN
fsr-3436	88	9	guillemette	guillemette	NOUN
fsr-3436	88	10	/	/	SYM
fsr-3436	88	11	financial	financial	ADJ
fsr-3436	88	12	services	service	NOUN
fsr-3436	88	13	review	review	VERB
fsr-3436	88	14	28	28	NUM
fsr-3436	88	15	(	(	PUNCT
fsr-3436	88	16	2020	2020	NUM
fsr-3436	88	17	)	)	PUNCT
fsr-3436	89	1	341–350	341–350	NUM
fsr-3436	89	2	is	be	AUX
fsr-3436	89	3	a	a	DET
fsr-3436	89	4	positive	positive	ADJ
fsr-3436	89	5	relation	relation	NOUN
fsr-3436	89	6	between	between	ADP
fsr-3436	89	7	being	be	AUX
fsr-3436	89	8	“	"	PUNCT
fsr-3436	89	9	very	very	ADV
fsr-3436	89	10	satisfied	satisfied	ADJ
fsr-3436	89	11	”	"	PUNCT
fsr-3436	89	12	and	and	CCONJ
fsr-3436	89	13	higher	high	ADJ
fsr-3436	89	14	levels	level	NOUN
fsr-3436	89	15	of	of	ADP
fsr-3436	89	16	health	health	NOUN
fsr-3436	89	17	,	,	PUNCT
fsr-3436	89	18	income	income	NOUN
fsr-3436	89	19	,	,	PUNCT
fsr-3436	89	20	and	and	CCONJ
fsr-3436	89	21	wealth	wealth	NOUN
fsr-3436	89	22	.	.	PUNCT
fsr-3436	90	1	method	method	NOUN
fsr-3436	90	2	to	to	PART
fsr-3436	90	3	test	test	VERB
fsr-3436	90	4	the	the	DET
fsr-3436	90	5	hypothesis	hypothesis	NOUN
fsr-3436	90	6	,	,	PUNCT
fsr-3436	90	7	a	a	DET
fsr-3436	90	8	random	random	ADJ
fsr-3436	90	9	-	-	PUNCT
fsr-3436	90	10	effects	effect	NOUN
fsr-3436	90	11	ordered	order	VERB
fsr-3436	90	12	probit	probit	NOUN
fsr-3436	90	13	model	model	NOUN
fsr-3436	90	14	is	be	AUX
fsr-3436	90	15	estimated	estimate	VERB
fsr-3436	90	16	on	on	ADP
fsr-3436	90	17	the	the	DET
fsr-3436	90	18	unbalanced	unbalanced	ADJ
fsr-3436	90	19	panel	panel	NOUN
fsr-3436	90	20	:	:	PUNCT
fsr-3436	90	21	sat	sit	VERB
fsr-3436	90	22	�	�	PROPN
fsr-3436	90	23	it	it	PRON
fsr-3436	90	24	¼	¼	NOUN
fsr-3436	90	25	b	b	NOUN
fsr-3436	91	1	0i	0i	NUM
fsr-3436	91	2	þ	þ	PROPN
fsr-3436	91	3	b	b	PROPN
fsr-3436	91	4	1rrit	1rrit	NUM
fsr-3436	91	5	þ	þ	PROPN
fsr-3436	91	6	b	b	PROPN
fsr-3436	91	7	jdvit	jdvit	PROPN
fsr-3436	91	8	þ	þ	PROPN
fsr-3436	91	9	ai	ai	VERB
fsr-3436	91	10	þ	þ	PROPN
fsr-3436	91	11	eit	eit	PROPN
fsr-3436	91	12	satit	satit	PROPN
fsr-3436	91	13	¼	¼	NOUN
fsr-3436	91	14	1	1	NUM
fsr-3436	91	15	if	if	SCONJ
fsr-3436	91	16	sat	sit	VERB
fsr-3436	91	17	�	�	PROPN
fsr-3436	91	18	it	it	PRON
fsr-3436	91	19	<	<	X
fsr-3436	91	20	m1	m1	PROPN
fsr-3436	91	21	not	not	PART
fsr-3436	91	22	at	at	ADV
fsr-3436	91	23	all	all	ADV
fsr-3436	91	24	satisfiedð	satisfiedð	NOUN
fsr-3436	91	25	þ	þ	PROPN
fsr-3436	91	26	satit	satit	NOUN
fsr-3436	91	27	¼	¼	NOUN
fsr-3436	91	28	2	2	NUM
fsr-3436	91	29	if	if	SCONJ
fsr-3436	91	30	m1	m1	PROPN
fsr-3436	91	31	≤	≤	PROPN
fsr-3436	91	32	sat	sit	VERB
fsr-3436	91	33	�	�	PROPN
fsr-3436	91	34	it	it	PRON
fsr-3436	91	35	<	<	X
fsr-3436	91	36	m2	m2	PROPN
fsr-3436	91	37	moderately	moderately	ADV
fsr-3436	91	38	satisfiedð	satisfiedð	PROPN
fsr-3436	91	39	þ	þ	PROPN
fsr-3436	91	40	satit	satit	NOUN
fsr-3436	91	41	¼	¼	NOUN
fsr-3436	91	42	3	3	NUM
fsr-3436	91	43	if	if	SCONJ
fsr-3436	91	44	sat	sit	VERB
fsr-3436	91	45	�	�	PROPN
fsr-3436	91	46	it	it	PRON
fsr-3436	91	47	≥	≥	NUM
fsr-3436	91	48	m2	m2	PROPN
fsr-3436	91	49	very	very	ADV
fsr-3436	91	50	satisfiedð	satisfiedð	ADJ
fsr-3436	92	1	þ	þ	PROPN
fsr-3436	92	2	where	where	SCONJ
fsr-3436	92	3	sat	sit	VERB
fsr-3436	92	4	�	�	PROPN
fsr-3436	92	5	it	it	PRON
fsr-3436	92	6	is	be	AUX
fsr-3436	92	7	a	a	DET
fsr-3436	92	8	latent	latent	ADJ
fsr-3436	92	9	measure	measure	NOUN
fsr-3436	92	10	of	of	ADP
fsr-3436	92	11	retiree	retiree	NOUN
fsr-3436	93	1	i	i	PROPN
fsr-3436	93	2	’s	’	VERB
fsr-3436	93	3	satisfaction	satisfaction	NOUN
fsr-3436	93	4	in	in	ADP
fsr-3436	93	5	wave	wave	NOUN
fsr-3436	93	6	t.	t.	PROPN
fsr-3436	93	7	the	the	DET
fsr-3436	93	8	unknown	unknown	ADJ
fsr-3436	93	9	thresholds	threshold	NOUN
fsr-3436	93	10	,	,	PUNCT
fsr-3436	93	11	m1	m1	PROPN
fsr-3436	93	12	and	and	CCONJ
fsr-3436	93	13	m2	m2	PROPN
fsr-3436	93	14	,	,	PUNCT
fsr-3436	93	15	are	be	AUX
fsr-3436	93	16	to	to	PART
fsr-3436	93	17	be	be	AUX
fsr-3436	93	18	estimated	estimate	VERB
fsr-3436	93	19	.	.	PUNCT
fsr-3436	94	1	table	table	NOUN
fsr-3436	94	2	2	2	NUM
fsr-3436	94	3	summary	summary	NOUN
fsr-3436	94	4	of	of	ADP
fsr-3436	94	5	data	datum	NOUN
fsr-3436	94	6	by	by	ADP
fsr-3436	94	7	satisfaction	satisfaction	NOUN
fsr-3436	94	8	measures	measure	NOUN
fsr-3436	94	9	“	"	PUNCT
fsr-3436	94	10	not	not	PART
fsr-3436	94	11	at	at	ADV
fsr-3436	94	12	all	all	ADV
fsr-3436	94	13	satisfied	satisfied	ADJ
fsr-3436	94	14	”	"	PUNCT
fsr-3436	94	15	“	"	PUNCT
fsr-3436	94	16	moderately	moderately	ADV
fsr-3436	94	17	satisfied	satisfied	ADJ
fsr-3436	94	18	”	"	PUNCT
fsr-3436	94	19	“	"	PUNCT
fsr-3436	94	20	very	very	ADV
fsr-3436	94	21	satisfied	satisfied	ADJ
fsr-3436	94	22	”	"	PUNCT
fsr-3436	94	23	respondents	respondent	NOUN
fsr-3436	94	24	3,530	3,530	NUM
fsr-3436	94	25	20,234	20,234	NUM
fsr-3436	94	26	35,640	35,640	NUM
fsr-3436	94	27	risk	risk	NOUN
fsr-3436	94	28	ratio	ratio	NOUN
fsr-3436	94	29	0.05	0.05	NUM
fsr-3436	94	30	0.07	0.07	NUM
fsr-3436	94	31	0.11	0.11	NUM
fsr-3436	94	32	health	health	NOUN
fsr-3436	94	33	2.10	2.10	NUM
fsr-3436	94	34	2.78	2.78	NUM
fsr-3436	94	35	3.34	3.34	NUM
fsr-3436	94	36	years	year	NOUN
fsr-3436	94	37	of	of	ADP
fsr-3436	94	38	education	education	NOUN
fsr-3436	94	39	11.70	11.70	NUM
fsr-3436	94	40	12.27	12.27	NUM
fsr-3436	94	41	13.03	13.03	NUM
fsr-3436	94	42	age	age	NOUN
fsr-3436	94	43	69.90	69.90	NUM
fsr-3436	94	44	73.61	73.61	NUM
fsr-3436	94	45	73.70	73.70	NUM
fsr-3436	94	46	white	white	ADJ
fsr-3436	94	47	0.81	0.81	NUM
fsr-3436	94	48	0.86	0.86	NUM
fsr-3436	94	49	0.90	0.90	NUM
fsr-3436	94	50	male	male	NOUN
fsr-3436	94	51	0.43	0.43	NUM
fsr-3436	94	52	0.44	0.44	NUM
fsr-3436	94	53	0.47	0.47	NUM
fsr-3436	94	54	married	marry	VERB
fsr-3436	94	55	0.51	0.51	NUM
fsr-3436	94	56	0.55	0.55	NUM
fsr-3436	94	57	0.66	0.66	NUM
fsr-3436	94	58	income	income	NOUN
fsr-3436	94	59	$	$	SYM
fsr-3436	94	60	32,926	32,926	NUM
fsr-3436	94	61	$	$	SYM
fsr-3436	94	62	42,133	42,133	NUM
fsr-3436	94	63	$	$	SYM
fsr-3436	94	64	55,689	55,689	NUM
fsr-3436	94	65	wealth	wealth	NOUN
fsr-3436	94	66	$	$	SYM
fsr-3436	94	67	69,911	69,911	NUM
fsr-3436	94	68	$	$	SYM
fsr-3436	94	69	132,131	132,131	NUM
fsr-3436	94	70	$	$	SYM
fsr-3436	94	71	229,867	229,867	NUM
fsr-3436	94	72	note	note	NOUN
fsr-3436	94	73	:	:	PUNCT
fsr-3436	94	74	n	n	PROPN
fsr-3436	94	75	=	=	SYM
fsr-3436	94	76	59,404	59,404	NUM
fsr-3436	94	77	observations	observation	NOUN
fsr-3436	94	78	from	from	ADP
fsr-3436	94	79	17,672	17,672	NUM
fsr-3436	94	80	retirees	retiree	NOUN
fsr-3436	94	81	.	.	PUNCT
fsr-3436	95	1	table	table	NOUN
fsr-3436	95	2	1	1	NUM
fsr-3436	95	3	descriptive	descriptive	ADJ
fsr-3436	95	4	statistics	statistic	NOUN
fsr-3436	95	5	of	of	ADP
fsr-3436	95	6	sample	sample	NOUN
fsr-3436	95	7	mean	mean	VERB
fsr-3436	95	8	standard	standard	ADJ
fsr-3436	95	9	error	error	NOUN
fsr-3436	95	10	min	min	NOUN
fsr-3436	95	11	max	max	PROPN
fsr-3436	95	12	risk	risk	NOUN
fsr-3436	95	13	ratio	ratio	NOUN
fsr-3436	95	14	0.0905	0.0905	NUM
fsr-3436	95	15	0.1801	0.1801	NUM
fsr-3436	95	16	0	0	NUM
fsr-3436	95	17	0.9999	0.9999	NUM
fsr-3436	95	18	satisfaction	satisfaction	NOUN
fsr-3436	95	19	2.5405	2.5405	NUM
fsr-3436	95	20	0.6060	0.6060	NUM
fsr-3436	95	21	1	1	NUM
fsr-3436	95	22	3	3	NUM
fsr-3436	95	23	age	age	NOUN
fsr-3436	95	24	73.4445	73.4445	NUM
fsr-3436	95	25	9.2105	9.2105	NUM
fsr-3436	95	26	50	50	NUM
fsr-3436	95	27	106.6667	106.6667	NUM
fsr-3436	95	28	education	education	NOUN
fsr-3436	95	29	12.6939	12.6939	NUM
fsr-3436	95	30	2.8713	2.8713	NUM
fsr-3436	95	31	8	8	NUM
fsr-3436	95	32	17	17	NUM
fsr-3436	95	33	white	white	ADJ
fsr-3436	95	34	0.8781	0.8781	NUM
fsr-3436	95	35	0.3271	0.3271	NUM
fsr-3436	95	36	0	0	NUM
fsr-3436	95	37	1	1	NUM
fsr-3436	95	38	male	male	NOUN
fsr-3436	95	39	0.4574	0.4574	NUM
fsr-3436	95	40	0.4982	0.4982	NUM
fsr-3436	95	41	0	0	NUM
fsr-3436	95	42	1	1	NUM
fsr-3436	95	43	health	health	NOUN
fsr-3436	95	44	3.0764	3.0764	NUM
fsr-3436	95	45	1.0948	1.0948	NUM
fsr-3436	95	46	1	1	NUM
fsr-3436	95	47	5	5	NUM
fsr-3436	95	48	married	marry	VERB
fsr-3436	95	49	0.6111	0.6111	NUM
fsr-3436	95	50	0.4875	0.4875	NUM
fsr-3436	95	51	0	0	NUM
fsr-3436	95	52	1	1	NUM
fsr-3436	95	53	income	income	NOUN
fsr-3436	95	54	$	$	SYM
fsr-3436	95	55	49,720	49,720	NUM
fsr-3436	95	56	$	$	SYM
fsr-3436	95	57	85,822	85,822	NUM
fsr-3436	95	58	$	$	SYM
fsr-3436	95	59	0	0	NUM
fsr-3436	95	60	$	$	SYM
fsr-3436	95	61	7,307,860	7,307,860	NUM
fsr-3436	95	62	wealth	wealth	NOUN
fsr-3436	95	63	$	$	SYM
fsr-3436	95	64	187,068	187,068	NUM
fsr-3436	95	65	$	$	SYM
fsr-3436	95	66	643,298	643,298	NUM
fsr-3436	95	67	$	$	SYM
fsr-3436	95	68	0	0	NUM
fsr-3436	95	69	$	$	SYM
fsr-3436	95	70	42,300,000	42,300,000	NUM
fsr-3436	95	71	note	note	NOUN
fsr-3436	95	72	:	:	PUNCT
fsr-3436	95	73	n	n	PROPN
fsr-3436	95	74	=	=	SYM
fsr-3436	95	75	59,404	59,404	NUM
fsr-3436	95	76	observations	observation	NOUN
fsr-3436	95	77	from	from	ADP
fsr-3436	95	78	17,672	17,672	NUM
fsr-3436	95	79	retirees	retiree	NOUN
fsr-3436	95	80	.	.	PUNCT
fsr-3436	96	1	b.	b.	PROPN
fsr-3436	96	2	pearson	pearson	PROPN
fsr-3436	96	3	,	,	PUNCT
fsr-3436	96	4	m.	m.	NOUN
fsr-3436	96	5	guillemette	guillemette	NOUN
fsr-3436	96	6	/	/	SYM
fsr-3436	96	7	financial	financial	ADJ
fsr-3436	96	8	services	service	NOUN
fsr-3436	96	9	review	review	VERB
fsr-3436	96	10	28	28	NUM
fsr-3436	96	11	(	(	PUNCT
fsr-3436	96	12	2020	2020	NUM
fsr-3436	96	13	)	)	PUNCT
fsr-3436	97	1	341–350	341–350	NUM
fsr-3436	97	2	345	345	NUM
fsr-3436	97	3	b	b	NOUN
fsr-3436	97	4	0	0	NUM
fsr-3436	97	5	represents	represent	VERB
fsr-3436	97	6	the	the	DET
fsr-3436	97	7	y	y	PROPN
fsr-3436	97	8	-	-	PUNCT
fsr-3436	97	9	intercept	intercept	NOUN
fsr-3436	97	10	of	of	ADP
fsr-3436	97	11	the	the	DET
fsr-3436	97	12	model	model	NOUN
fsr-3436	97	13	.	.	PUNCT
fsr-3436	98	1	the	the	DET
fsr-3436	98	2	intercept	intercept	NOUN
fsr-3436	98	3	value	value	NOUN
fsr-3436	98	4	for	for	ADP
fsr-3436	98	5	individual	individual	ADJ
fsr-3436	98	6	i	i	PRON
fsr-3436	98	7	is	be	AUX
fsr-3436	98	8	expressed	express	VERB
fsr-3436	98	9	as	as	ADP
fsr-3436	98	10	b	b	NOUN
fsr-3436	98	11	0i	0i	NOUN
fsr-3436	98	12	¼	¼	NOUN
fsr-3436	98	13	b	b	PROPN
fsr-3436	98	14	0	0	NUM
fsr-3436	98	15	þ	þ	PROPN
fsr-3436	98	16	ei	ei	PROPN
fsr-3436	98	17	,	,	PUNCT
fsr-3436	98	18	where	where	SCONJ
fsr-3436	98	19	i	i	PRON
fsr-3436	98	20	¼	¼	NOUN
fsr-3436	98	21	1	1	NUM
fsr-3436	98	22	,	,	PUNCT
fsr-3436	98	23	.	.	PUNCT
fsr-3436	98	24	.	.	PUNCT
fsr-3436	99	1	.,n	.,n	PUNCT
fsr-3436	100	1	and	and	CCONJ
fsr-3436	100	2	e(eiþ	e(eiþ	VERB
fsr-3436	100	3	¼	¼	NOUN
fsr-3436	100	4	0	0	NUM
fsr-3436	100	5	and	and	CCONJ
fsr-3436	100	6	varð=	varð=	NUM
fsr-3436	100	7	s	s	NOUN
fsr-3436	100	8	2	2	NUM
fsr-3436	100	9	eþ	eþ	NOUN
fsr-3436	100	10	.	.	PUNCT
fsr-3436	101	1	below	below	ADV
fsr-3436	101	2	is	be	AUX
fsr-3436	101	3	the	the	DET
fsr-3436	101	4	assumption	assumption	NOUN
fsr-3436	101	5	concerning	concern	VERB
fsr-3436	101	6	the	the	DET
fsr-3436	101	7	composite	composite	ADJ
fsr-3436	101	8	error	error	NOUN
fsr-3436	101	9	component	component	NOUN
fsr-3436	101	10	:	:	PUNCT
fsr-3436	101	11	ei	ei	X
fsr-3436	101	12	�	�	PROPN
fsr-3436	101	13	n	n	CCONJ
fsr-3436	101	14	0,s	0,s	ADJ
fsr-3436	101	15	2	2	NUM
fsr-3436	101	16	e	e	X
fsr-3436	101	17	�	�	PROPN
fsr-3436	101	18	�	�	PROPN
fsr-3436	101	19	e	e	PROPN
fsr-3436	101	20	eietð	eietð	NOUN
fsr-3436	101	21	þ	þ	PROPN
fsr-3436	101	22	¼	¼	NOUN
fsr-3436	101	23	0	0	NUM
fsr-3436	101	24	for	for	ADP
fsr-3436	101	25	i	i	PRON
fsr-3436	102	1	6¼	6¼	NUM
fsr-3436	102	2	t	t	NOUN
fsr-3436	102	3	an	an	DET
fsr-3436	102	4	ordered	order	VERB
fsr-3436	102	5	probit	probit	NOUN
fsr-3436	102	6	model	model	NOUN
fsr-3436	102	7	is	be	AUX
fsr-3436	102	8	used	use	VERB
fsr-3436	102	9	due	due	ADP
fsr-3436	102	10	to	to	ADP
fsr-3436	102	11	the	the	DET
fsr-3436	102	12	non	non	ADJ
fsr-3436	102	13	-	-	ADJ
fsr-3436	102	14	linear	linear	ADJ
fsr-3436	102	15	nature	nature	NOUN
fsr-3436	102	16	of	of	ADP
fsr-3436	102	17	the	the	DET
fsr-3436	102	18	dependent	dependent	ADJ
fsr-3436	102	19	variable	variable	NOUN
fsr-3436	102	20	.	.	PUNCT
fsr-3436	103	1	to	to	ADP
fsr-3436	103	2	the	the	DET
fsr-3436	103	3	authors	author	NOUN
fsr-3436	103	4	’	’	PART
fsr-3436	103	5	knowledge	knowledge	NOUN
fsr-3436	103	6	,	,	PUNCT
fsr-3436	103	7	a	a	DET
fsr-3436	103	8	reliable	reliable	ADJ
fsr-3436	103	9	computation	computation	NOUN
fsr-3436	103	10	for	for	ADP
fsr-3436	103	11	a	a	DET
fsr-3436	103	12	fixed	fix	VERB
fsr-3436	103	13	-	-	PUNCT
fsr-3436	103	14	effects	effect	NOUN
fsr-3436	103	15	ordered	order	VERB
fsr-3436	103	16	probit	probit	NOUN
fsr-3436	103	17	model	model	NOUN
fsr-3436	103	18	does	do	AUX
fsr-3436	103	19	not	not	PART
fsr-3436	103	20	currently	currently	ADV
fsr-3436	103	21	exist	exist	VERB
fsr-3436	103	22	.	.	PUNCT
fsr-3436	104	1	thus	thus	ADV
fsr-3436	104	2	,	,	PUNCT
fsr-3436	104	3	a	a	DET
fsr-3436	104	4	random	random	ADJ
fsr-3436	104	5	effects	effect	NOUN
fsr-3436	104	6	model	model	NOUN
fsr-3436	104	7	is	be	AUX
fsr-3436	104	8	utilized	utilize	VERB
fsr-3436	104	9	.	.	PUNCT
fsr-3436	105	1	if	if	SCONJ
fsr-3436	105	2	a	a	DET
fsr-3436	105	3	fixed	fix	VERB
fsr-3436	105	4	-	-	PUNCT
fsr-3436	105	5	effects	effect	NOUN
fsr-3436	105	6	estimator	estimator	NOUN
fsr-3436	105	7	becomes	become	VERB
fsr-3436	105	8	available	available	ADJ
fsr-3436	105	9	,	,	PUNCT
fsr-3436	105	10	future	future	ADJ
fsr-3436	105	11	research	research	NOUN
fsr-3436	105	12	should	should	AUX
fsr-3436	105	13	reconsider	reconsider	VERB
fsr-3436	105	14	this	this	DET
fsr-3436	105	15	study	study	NOUN
fsr-3436	105	16	’s	’s	PART
fsr-3436	105	17	findings	finding	NOUN
fsr-3436	105	18	to	to	PART
fsr-3436	105	19	better	well	ADV
fsr-3436	105	20	understand	understand	VERB
fsr-3436	105	21	how	how	SCONJ
fsr-3436	105	22	the	the	DET
fsr-3436	105	23	with	with	NOUN
fsr-3436	105	24	-	-	PUNCT
fsr-3436	105	25	in	in	ADP
fsr-3436	105	26	subject	subject	ADJ
fsr-3436	105	27	variation	variation	NOUN
fsr-3436	105	28	of	of	ADP
fsr-3436	105	29	the	the	DET
fsr-3436	105	30	rr	rr	PROPN
fsr-3436	105	31	variable	variable	NOUN
fsr-3436	105	32	is	be	AUX
fsr-3436	105	33	associated	associate	VERB
fsr-3436	105	34	with	with	ADP
fsr-3436	105	35	retirement	retirement	NOUN
fsr-3436	105	36	satisfaction	satisfaction	NOUN
fsr-3436	105	37	.	.	PUNCT
fsr-3436	106	1	rrit	rrit	PROPN
fsr-3436	106	2	represents	represent	VERB
fsr-3436	106	3	the	the	DET
fsr-3436	106	4	risk	risk	NOUN
fsr-3436	106	5	ratio	ratio	NOUN
fsr-3436	106	6	variable	variable	NOUN
fsr-3436	106	7	,	,	PUNCT
fsr-3436	106	8	rr	rr	NOUN
fsr-3436	106	9	,	,	PUNCT
fsr-3436	106	10	and	and	CCONJ
fsr-3436	106	11	b	b	X
fsr-3436	106	12	1	1	NUM
fsr-3436	106	13	is	be	AUX
fsr-3436	106	14	the	the	DET
fsr-3436	106	15	coefficient	coefficient	NOUN
fsr-3436	106	16	associated	associate	VERB
fsr-3436	106	17	with	with	ADP
fsr-3436	106	18	rrit	rrit	PROPN
fsr-3436	106	19	.	.	PUNCT
fsr-3436	107	1	it	it	PRON
fsr-3436	107	2	is	be	AUX
fsr-3436	107	3	expected	expect	VERB
fsr-3436	107	4	that	that	SCONJ
fsr-3436	107	5	rrit	rrit	NOUN
fsr-3436	107	6	will	will	AUX
fsr-3436	107	7	result	result	VERB
fsr-3436	107	8	in	in	ADP
fsr-3436	107	9	a	a	DET
fsr-3436	107	10	positive	positive	ADJ
fsr-3436	107	11	coefficient	coefficient	NOUN
fsr-3436	107	12	for	for	ADP
fsr-3436	107	13	the	the	DET
fsr-3436	107	14	“	"	PUNCT
fsr-3436	107	15	very	very	ADV
fsr-3436	107	16	satisfied	satisfied	ADJ
fsr-3436	107	17	”	"	PUNCT
fsr-3436	107	18	category	category	NOUN
fsr-3436	107	19	and	and	CCONJ
fsr-3436	107	20	a	a	DET
fsr-3436	107	21	negative	negative	ADJ
fsr-3436	107	22	coefficient	coefficient	NOUN
fsr-3436	107	23	for	for	ADP
fsr-3436	107	24	the	the	DET
fsr-3436	107	25	“	"	PUNCT
fsr-3436	107	26	moderately	moderately	ADV
fsr-3436	107	27	satisfied	satisfied	ADJ
fsr-3436	107	28	”	"	PUNCT
fsr-3436	107	29	and	and	CCONJ
fsr-3436	107	30	“	"	PUNCT
fsr-3436	107	31	not	not	PART
fsr-3436	107	32	at	at	ADV
fsr-3436	107	33	all	all	ADV
fsr-3436	107	34	satisfied	satisfied	ADJ
fsr-3436	107	35	”	"	PUNCT
fsr-3436	107	36	categories	category	NOUN
fsr-3436	107	37	.	.	PUNCT
fsr-3436	108	1	a	a	DET
fsr-3436	108	2	positive	positive	ADJ
fsr-3436	108	3	coefficient	coefficient	NOUN
fsr-3436	108	4	for	for	ADP
fsr-3436	108	5	the	the	DET
fsr-3436	108	6	very	very	ADV
fsr-3436	108	7	satisfied	satisfied	ADJ
fsr-3436	108	8	category	category	NOUN
fsr-3436	108	9	would	would	AUX
fsr-3436	108	10	suggest	suggest	VERB
fsr-3436	108	11	that	that	SCONJ
fsr-3436	108	12	retirees	retiree	NOUN
fsr-3436	108	13	are	be	AUX
fsr-3436	108	14	more	more	ADV
fsr-3436	108	15	likely	likely	ADJ
fsr-3436	108	16	to	to	PART
fsr-3436	108	17	respond	respond	VERB
fsr-3436	108	18	very	very	ADV
fsr-3436	108	19	satisfied	satisfied	ADJ
fsr-3436	108	20	if	if	SCONJ
fsr-3436	108	21	the	the	DET
fsr-3436	108	22	risk	risk	NOUN
fsr-3436	108	23	of	of	ADP
fsr-3436	108	24	their	their	PRON
fsr-3436	108	25	saved	save	VERB
fsr-3436	108	26	assets	asset	NOUN
fsr-3436	108	27	is	be	AUX
fsr-3436	108	28	increased	increase	VERB
fsr-3436	108	29	.	.	PUNCT
fsr-3436	109	1	a	a	DET
fsr-3436	109	2	granger	granger	PROPN
fsr-3436	109	3	causality	causality	NOUN
fsr-3436	109	4	test	test	NOUN
fsr-3436	109	5	is	be	AUX
fsr-3436	109	6	utilized	utilize	VERB
fsr-3436	109	7	to	to	PART
fsr-3436	109	8	test	test	VERB
fsr-3436	109	9	for	for	ADP
fsr-3436	109	10	reverse	reverse	ADJ
fsr-3436	109	11	causality	causality	NOUN
fsr-3436	109	12	between	between	ADP
fsr-3436	109	13	sat	sit	VERB
fsr-3436	109	14	�	�	PROPN
fsr-3436	109	15	it	it	PRON
fsr-3436	109	16	and	and	CCONJ
fsr-3436	109	17	rrit	rrit	PROPN
fsr-3436	109	18	(	(	PUNCT
fsr-3436	109	19	granger	granger	NOUN
fsr-3436	109	20	,	,	PUNCT
fsr-3436	109	21	1969	1969	NUM
fsr-3436	109	22	)	)	PUNCT
fsr-3436	109	23	.	.	PUNCT
fsr-3436	110	1	the	the	DET
fsr-3436	110	2	results	result	NOUN
fsr-3436	110	3	of	of	ADP
fsr-3436	110	4	the	the	DET
fsr-3436	110	5	test	test	NOUN
fsr-3436	110	6	suggest	suggest	VERB
fsr-3436	110	7	that	that	SCONJ
fsr-3436	110	8	there	there	PRON
fsr-3436	110	9	are	be	VERB
fsr-3436	110	10	no	no	DET
fsr-3436	110	11	statistically	statistically	ADV
fsr-3436	110	12	significant	significant	ADJ
fsr-3436	110	13	reverse	reverse	ADJ
fsr-3436	110	14	causality	causality	NOUN
fsr-3436	110	15	issues	issue	NOUN
fsr-3436	110	16	.	.	PUNCT
fsr-3436	111	1	the	the	DET
fsr-3436	111	2	matrix	matrix	NOUN
fsr-3436	111	3	dvit	dvit	NOUN
fsr-3436	111	4	contains	contain	VERB
fsr-3436	111	5	all	all	PRON
fsr-3436	111	6	of	of	ADP
fsr-3436	111	7	the	the	DET
fsr-3436	111	8	demographic	demographic	ADJ
fsr-3436	111	9	variables	variable	NOUN
fsr-3436	111	10	used	use	VERB
fsr-3436	111	11	as	as	ADP
fsr-3436	111	12	control	control	NOUN
fsr-3436	111	13	variables	variable	NOUN
fsr-3436	111	14	in	in	ADP
fsr-3436	111	15	the	the	DET
fsr-3436	111	16	model	model	NOUN
fsr-3436	111	17	,	,	PUNCT
fsr-3436	111	18	including	include	VERB
fsr-3436	111	19	white	white	ADJ
fsr-3436	111	20	,	,	PUNCT
fsr-3436	111	21	married	married	ADJ
fsr-3436	111	22	,	,	PUNCT
fsr-3436	111	23	male	male	NOUN
fsr-3436	111	24	,	,	PUNCT
fsr-3436	111	25	health	health	NOUN
fsr-3436	111	26	,	,	PUNCT
fsr-3436	111	27	age	age	NOUN
fsr-3436	111	28	,	,	PUNCT
fsr-3436	111	29	income	income	NOUN
fsr-3436	111	30	,	,	PUNCT
fsr-3436	111	31	wealth	wealth	NOUN
fsr-3436	111	32	,	,	PUNCT
fsr-3436	111	33	and	and	CCONJ
fsr-3436	111	34	years	year	NOUN
fsr-3436	111	35	of	of	ADP
fsr-3436	111	36	education	education	NOUN
fsr-3436	111	37	.	.	PUNCT
fsr-3436	112	1	b	b	X
fsr-3436	113	1	j	j	PROPN
fsr-3436	113	2	is	be	AUX
fsr-3436	113	3	the	the	DET
fsr-3436	113	4	vector	vector	NOUN
fsr-3436	113	5	of	of	ADP
fsr-3436	113	6	coefficients	coefficient	NOUN
fsr-3436	113	7	related	relate	VERB
fsr-3436	113	8	to	to	ADP
fsr-3436	113	9	the	the	DET
fsr-3436	113	10	matrix	matrix	NOUN
fsr-3436	113	11	dvit	dvit	NOUN
fsr-3436	113	12	.	.	PUNCT
fsr-3436	114	1	it	it	PRON
fsr-3436	114	2	is	be	AUX
fsr-3436	114	3	expected	expect	VERB
fsr-3436	114	4	that	that	SCONJ
fsr-3436	114	5	higher	high	ADJ
fsr-3436	114	6	levels	level	NOUN
fsr-3436	114	7	of	of	ADP
fsr-3436	114	8	income	income	NOUN
fsr-3436	114	9	,	,	PUNCT
fsr-3436	114	10	wealth	wealth	NOUN
fsr-3436	114	11	,	,	PUNCT
fsr-3436	114	12	education	education	NOUN
fsr-3436	114	13	,	,	PUNCT
fsr-3436	114	14	health	health	NOUN
fsr-3436	114	15	,	,	PUNCT
fsr-3436	114	16	and	and	CCONJ
fsr-3436	114	17	being	be	AUX
fsr-3436	114	18	married	married	ADJ
fsr-3436	114	19	will	will	AUX
fsr-3436	114	20	result	result	VERB
fsr-3436	114	21	in	in	ADP
fsr-3436	114	22	positive	positive	ADJ
fsr-3436	114	23	coefficients	coefficient	NOUN
fsr-3436	114	24	for	for	ADP
fsr-3436	114	25	the	the	DET
fsr-3436	114	26	very	very	ADV
fsr-3436	114	27	satisfied	satisfied	ADJ
fsr-3436	114	28	category	category	NOUN
fsr-3436	114	29	.	.	PUNCT
fsr-3436	115	1	ai	ai	VERB
fsr-3436	115	2	is	be	AUX
fsr-3436	115	3	the	the	DET
fsr-3436	115	4	unknown	unknown	ADJ
fsr-3436	115	5	intercept	intercept	NOUN
fsr-3436	115	6	for	for	ADP
fsr-3436	115	7	each	each	DET
fsr-3436	115	8	retiree	retiree	PROPN
fsr-3436	115	9	i.	i.	PROPN
fsr-3436	115	10	average	average	PROPN
fsr-3436	115	11	marginal	marginal	ADJ
fsr-3436	115	12	effects	effect	NOUN
fsr-3436	115	13	provide	provide	VERB
fsr-3436	115	14	the	the	DET
fsr-3436	115	15	magnitudes	magnitude	NOUN
fsr-3436	115	16	for	for	ADP
fsr-3436	115	17	each	each	PRON
fsr-3436	115	18	of	of	ADP
fsr-3436	115	19	the	the	DET
fsr-3436	115	20	effects	effect	NOUN
fsr-3436	115	21	on	on	ADP
fsr-3436	115	22	observed	observed	ADJ
fsr-3436	115	23	retirement	retirement	NOUN
fsr-3436	115	24	satisfaction	satisfaction	NOUN
fsr-3436	115	25	.	.	PUNCT
fsr-3436	116	1	the	the	DET
fsr-3436	116	2	error	error	NOUN
fsr-3436	116	3	term	term	NOUN
fsr-3436	116	4	is	be	AUX
fsr-3436	116	5	assumed	assume	VERB
fsr-3436	116	6	to	to	PART
fsr-3436	116	7	follow	follow	VERB
fsr-3436	116	8	a	a	DET
fsr-3436	116	9	standard	standard	ADJ
fsr-3436	116	10	normal	normal	ADJ
fsr-3436	116	11	distribution	distribution	NOUN
fsr-3436	116	12	.	.	PUNCT
fsr-3436	117	1	results	result	VERB
fsr-3436	117	2	the	the	DET
fsr-3436	117	3	average	average	ADJ
fsr-3436	117	4	marginal	marginal	ADJ
fsr-3436	117	5	effects	effect	NOUN
fsr-3436	117	6	from	from	ADP
fsr-3436	117	7	the	the	DET
fsr-3436	117	8	random	random	ADJ
fsr-3436	117	9	-	-	PUNCT
fsr-3436	117	10	effects	effect	NOUN
fsr-3436	117	11	ordered	order	VERB
fsr-3436	117	12	probit	probit	NOUN
fsr-3436	117	13	regression	regression	NOUN
fsr-3436	117	14	are	be	AUX
fsr-3436	117	15	reported	report	VERB
fsr-3436	117	16	in	in	ADP
fsr-3436	117	17	table	table	NOUN
fsr-3436	117	18	3	3	NUM
fsr-3436	117	19	.	.	PUNCT
fsr-3436	118	1	as	as	SCONJ
fsr-3436	118	2	the	the	DET
fsr-3436	118	3	rrit	rrit	NOUN
fsr-3436	118	4	variable	variable	NOUN
fsr-3436	118	5	increases	increase	VERB
fsr-3436	118	6	from	from	ADP
fsr-3436	118	7	0	0	NUM
fsr-3436	118	8	to	to	ADP
fsr-3436	118	9	1	1	NUM
fsr-3436	118	10	,	,	PUNCT
fsr-3436	118	11	the	the	DET
fsr-3436	118	12	results	result	NOUN
fsr-3436	118	13	suggest	suggest	VERB
fsr-3436	118	14	that	that	SCONJ
fsr-3436	118	15	the	the	DET
fsr-3436	118	16	probability	probability	NOUN
fsr-3436	118	17	of	of	ADP
fsr-3436	118	18	retirees	retiree	NOUN
fsr-3436	118	19	being	be	AUX
fsr-3436	118	20	very	very	ADV
fsr-3436	118	21	satisfied	satisfied	ADJ
fsr-3436	118	22	with	with	ADP
fsr-3436	118	23	their	their	PRON
fsr-3436	118	24	retirement	retirement	NOUN
fsr-3436	118	25	increases	increase	NOUN
fsr-3436	118	26	by	by	ADP
fsr-3436	118	27	0.0762	0.0762	NUM
fsr-3436	118	28	.	.	PUNCT
fsr-3436	119	1	as	as	ADP
fsr-3436	119	2	the	the	DET
fsr-3436	119	3	rr	rr	PROPN
fsr-3436	119	4	variable	variable	ADJ
fsr-3436	119	5	increases	increase	VERB
fsr-3436	119	6	from	from	ADP
fsr-3436	119	7	0	0	NUM
fsr-3436	119	8	to	to	ADP
fsr-3436	119	9	1	1	NUM
fsr-3436	119	10	,	,	PUNCT
fsr-3436	119	11	the	the	DET
fsr-3436	119	12	results	result	NOUN
fsr-3436	119	13	suggest	suggest	VERB
fsr-3436	119	14	that	that	SCONJ
fsr-3436	119	15	the	the	DET
fsr-3436	119	16	probability	probability	NOUN
fsr-3436	119	17	of	of	ADP
fsr-3436	119	18	retirees	retiree	NOUN
fsr-3436	119	19	being	be	AUX
fsr-3436	119	20	moderately	moderately	ADV
fsr-3436	119	21	satisfied	satisfied	ADJ
fsr-3436	119	22	and	and	CCONJ
fsr-3436	119	23	not	not	PART
fsr-3436	119	24	at	at	ADV
fsr-3436	119	25	all	all	ADV
fsr-3436	119	26	satisfied	satisfied	ADJ
fsr-3436	119	27	with	with	ADP
fsr-3436	119	28	their	their	PRON
fsr-3436	119	29	retirement	retirement	NOUN
fsr-3436	119	30	decreases	decrease	NOUN
fsr-3436	119	31	by	by	ADP
fsr-3436	119	32	0.0523	0.0523	NUM
fsr-3436	119	33	and	and	CCONJ
fsr-3436	119	34	0.0239	0.0239	NUM
fsr-3436	119	35	,	,	PUNCT
fsr-3436	119	36	respectively	respectively	ADV
fsr-3436	119	37	.	.	PUNCT
fsr-3436	120	1	one	one	NUM
fsr-3436	120	2	consideration	consideration	NOUN
fsr-3436	120	3	to	to	PART
fsr-3436	120	4	note	note	VERB
fsr-3436	120	5	is	be	AUX
fsr-3436	120	6	that	that	SCONJ
fsr-3436	120	7	a	a	DET
fsr-3436	120	8	higher	high	ADJ
fsr-3436	120	9	rr	rr	NOUN
fsr-3436	120	10	means	mean	VERB
fsr-3436	120	11	that	that	SCONJ
fsr-3436	120	12	a	a	DET
fsr-3436	120	13	retiree	retiree	NOUN
fsr-3436	120	14	has	have	VERB
fsr-3436	120	15	a	a	DET
fsr-3436	120	16	higher	high	ADJ
fsr-3436	120	17	percentage	percentage	NOUN
fsr-3436	120	18	of	of	ADP
fsr-3436	120	19	assets	asset	NOUN
fsr-3436	120	20	held	hold	VERB
fsr-3436	120	21	in	in	ADP
fsr-3436	120	22	stocks	stock	NOUN
fsr-3436	120	23	.	.	PUNCT
fsr-3436	121	1	thus	thus	ADV
fsr-3436	121	2	,	,	PUNCT
fsr-3436	121	3	stock	stock	NOUN
fsr-3436	121	4	returns	return	NOUN
fsr-3436	121	5	may	may	AUX
fsr-3436	121	6	be	be	AUX
fsr-3436	121	7	endogenous	endogenous	ADJ
fsr-3436	121	8	in	in	ADP
fsr-3436	121	9	the	the	DET
fsr-3436	121	10	estimated	estimate	VERB
fsr-3436	121	11	model	model	NOUN
fsr-3436	121	12	.	.	PUNCT
fsr-3436	122	1	to	to	PART
fsr-3436	122	2	adjust	adjust	VERB
fsr-3436	122	3	for	for	ADP
fsr-3436	122	4	the	the	DET
fsr-3436	122	5	potential	potential	ADJ
fsr-3436	122	6	impact	impact	NOUN
fsr-3436	122	7	that	that	PRON
fsr-3436	122	8	stock	stock	NOUN
fsr-3436	122	9	assets	asset	NOUN
fsr-3436	122	10	may	may	AUX
fsr-3436	122	11	have	have	VERB
fsr-3436	122	12	on	on	ADP
fsr-3436	122	13	the	the	DET
fsr-3436	122	14	results	result	NOUN
fsr-3436	122	15	,	,	PUNCT
fsr-3436	122	16	annualized	annualize	VERB
fsr-3436	122	17	nominal	nominal	ADJ
fsr-3436	122	18	346	346	NUM
fsr-3436	122	19	b.	b.	PROPN
fsr-3436	122	20	pearson	pearson	PROPN
fsr-3436	122	21	,	,	PUNCT
fsr-3436	122	22	m.	m.	NOUN
fsr-3436	122	23	guillemette	guillemette	NOUN
fsr-3436	122	24	/	/	SYM
fsr-3436	122	25	financial	financial	ADJ
fsr-3436	122	26	services	service	NOUN
fsr-3436	122	27	review	review	VERB
fsr-3436	122	28	28	28	NUM
fsr-3436	122	29	(	(	PUNCT
fsr-3436	122	30	2020	2020	NUM
fsr-3436	122	31	)	)	PUNCT
fsr-3436	123	1	341–350	341–350	NUM
fsr-3436	123	2	s&p	s&p	PROPN
fsr-3436	123	3	500	500	NUM
fsr-3436	123	4	returns	return	NOUN
fsr-3436	123	5	are	be	AUX
fsr-3436	123	6	included	include	VERB
fsr-3436	123	7	in	in	ADP
fsr-3436	123	8	a	a	DET
fsr-3436	123	9	new	new	ADJ
fsr-3436	123	10	model	model	NOUN
fsr-3436	123	11	.	.	PUNCT
fsr-3436	124	1	the	the	DET
fsr-3436	124	2	hrs	hrs	NOUN
fsr-3436	124	3	data	datum	NOUN
fsr-3436	124	4	are	be	AUX
fsr-3436	124	5	biannual	biannual	ADJ
fsr-3436	124	6	and	and	CCONJ
fsr-3436	124	7	therefore	therefore	ADV
fsr-3436	124	8	the	the	DET
fsr-3436	124	9	s&p	s&p	PROPN
fsr-3436	124	10	500	500	NUM
fsr-3436	124	11	data	datum	NOUN
fsr-3436	124	12	are	be	AUX
fsr-3436	124	13	biannual	biannual	ADJ
fsr-3436	124	14	for	for	ADP
fsr-3436	124	15	each	each	DET
fsr-3436	124	16	wave	wave	NOUN
fsr-3436	124	17	of	of	ADP
fsr-3436	124	18	the	the	DET
fsr-3436	124	19	survey	survey	NOUN
fsr-3436	124	20	(	(	PUNCT
fsr-3436	124	21	refer	refer	VERB
fsr-3436	124	22	to	to	ADP
fsr-3436	124	23	table	table	NOUN
fsr-3436	124	24	4	4	NUM
fsr-3436	124	25	)	)	PUNCT
fsr-3436	124	26	.	.	PUNCT
fsr-3436	125	1	the	the	DET
fsr-3436	125	2	returns	return	NOUN
fsr-3436	125	3	analyzed	analyze	VERB
fsr-3436	125	4	include	include	VERB
fsr-3436	125	5	both	both	CCONJ
fsr-3436	125	6	the	the	DET
fsr-3436	125	7	returns	return	NOUN
fsr-3436	125	8	generated	generate	VERB
fsr-3436	125	9	from	from	ADP
fsr-3436	125	10	asset	asset	NOUN
fsr-3436	125	11	price	price	NOUN
fsr-3436	125	12	changes	change	NOUN
fsr-3436	125	13	and	and	CCONJ
fsr-3436	125	14	dividends	dividend	NOUN
fsr-3436	125	15	.	.	PUNCT
fsr-3436	126	1	a	a	DET
fsr-3436	126	2	sensitivity	sensitivity	NOUN
fsr-3436	126	3	analysis	analysis	NOUN
fsr-3436	126	4	is	be	AUX
fsr-3436	126	5	conducted	conduct	VERB
fsr-3436	126	6	by	by	ADP
fsr-3436	126	7	including	include	VERB
fsr-3436	126	8	the	the	DET
fsr-3436	126	9	series	series	NOUN
fsr-3436	126	10	of	of	ADP
fsr-3436	126	11	s&p	s&p	PROPN
fsr-3436	126	12	500	500	NUM
fsr-3436	126	13	returns	return	NOUN
fsr-3436	126	14	as	as	ADP
fsr-3436	126	15	a	a	DET
fsr-3436	126	16	variable	variable	NOUN
fsr-3436	126	17	in	in	ADP
fsr-3436	126	18	the	the	DET
fsr-3436	126	19	random	random	ADJ
fsr-3436	126	20	-	-	PUNCT
fsr-3436	126	21	effects	effect	NOUN
fsr-3436	126	22	regression	regression	NOUN
fsr-3436	126	23	.	.	PUNCT
fsr-3436	127	1	the	the	DET
fsr-3436	127	2	average	average	ADJ
fsr-3436	127	3	marginal	marginal	ADJ
fsr-3436	127	4	effects	effect	NOUN
fsr-3436	127	5	are	be	AUX
fsr-3436	127	6	reported	report	VERB
fsr-3436	127	7	in	in	ADP
fsr-3436	127	8	table	table	NOUN
fsr-3436	127	9	5	5	NUM
fsr-3436	127	10	.	.	PUNCT
fsr-3436	128	1	the	the	DET
fsr-3436	128	2	results	result	NOUN
fsr-3436	128	3	indicate	indicate	VERB
fsr-3436	128	4	that	that	SCONJ
fsr-3436	128	5	as	as	SCONJ
fsr-3436	128	6	the	the	DET
fsr-3436	128	7	rrit	rrit	NOUN
fsr-3436	128	8	variable	variable	NOUN
fsr-3436	128	9	increases	increase	VERB
fsr-3436	128	10	from	from	ADP
fsr-3436	128	11	0	0	NUM
fsr-3436	128	12	to	to	ADP
fsr-3436	128	13	1	1	NUM
fsr-3436	128	14	,	,	PUNCT
fsr-3436	128	15	the	the	DET
fsr-3436	128	16	probability	probability	NOUN
fsr-3436	128	17	of	of	ADP
fsr-3436	128	18	retirees	retiree	NOUN
fsr-3436	128	19	being	be	AUX
fsr-3436	128	20	very	very	ADV
fsr-3436	128	21	satisfied	satisfied	ADJ
fsr-3436	128	22	with	with	ADP
fsr-3436	128	23	their	their	PRON
fsr-3436	128	24	retirement	retirement	NOUN
fsr-3436	128	25	increases	increase	NOUN
fsr-3436	128	26	by	by	ADP
fsr-3436	128	27	0.0223	0.0223	NUM
fsr-3436	128	28	.	.	PUNCT
fsr-3436	129	1	as	as	SCONJ
fsr-3436	129	2	the	the	DET
fsr-3436	129	3	rrit	rrit	NOUN
fsr-3436	129	4	variable	variable	NOUN
fsr-3436	129	5	increases	increase	VERB
fsr-3436	129	6	from	from	ADP
fsr-3436	129	7	0	0	NUM
fsr-3436	129	8	to	to	ADP
fsr-3436	129	9	1	1	NUM
fsr-3436	129	10	,	,	PUNCT
fsr-3436	129	11	the	the	DET
fsr-3436	129	12	results	result	NOUN
fsr-3436	129	13	suggest	suggest	VERB
fsr-3436	129	14	that	that	SCONJ
fsr-3436	129	15	the	the	DET
fsr-3436	129	16	probability	probability	NOUN
fsr-3436	129	17	of	of	ADP
fsr-3436	129	18	retirees	retiree	NOUN
fsr-3436	129	19	being	be	AUX
fsr-3436	129	20	moderately	moderately	ADV
fsr-3436	129	21	satisfied	satisfied	ADJ
fsr-3436	129	22	and	and	CCONJ
fsr-3436	129	23	not	not	PART
fsr-3436	129	24	at	at	ADV
fsr-3436	129	25	all	all	ADV
fsr-3436	129	26	satisfied	satisfied	ADJ
fsr-3436	129	27	with	with	ADP
fsr-3436	129	28	their	their	PRON
fsr-3436	129	29	retirement	retirement	NOUN
fsr-3436	129	30	decreases	decrease	NOUN
fsr-3436	129	31	by	by	ADP
fsr-3436	129	32	0.0135	0.0135	NUM
fsr-3436	129	33	and	and	CCONJ
fsr-3436	129	34	0.0093	0.0093	NUM
fsr-3436	129	35	,	,	PUNCT
fsr-3436	129	36	respectively	respectively	ADV
fsr-3436	129	37	.	.	PUNCT
fsr-3436	130	1	although	although	SCONJ
fsr-3436	130	2	these	these	DET
fsr-3436	130	3	results	result	NOUN
fsr-3436	130	4	are	be	AUX
fsr-3436	130	5	still	still	ADV
fsr-3436	130	6	statistically	statistically	ADV
fsr-3436	130	7	significant	significant	ADJ
fsr-3436	130	8	,	,	PUNCT
fsr-3436	130	9	the	the	DET
fsr-3436	130	10	new	new	ADJ
fsr-3436	130	11	model	model	NOUN
fsr-3436	130	12	has	have	AUX
fsr-3436	130	13	reduced	reduce	VERB
fsr-3436	130	14	the	the	DET
fsr-3436	130	15	magnitude	magnitude	NOUN
fsr-3436	130	16	of	of	ADP
fsr-3436	130	17	the	the	DET
fsr-3436	130	18	rrit	rrit	NOUN
fsr-3436	130	19	variable	variable	NOUN
fsr-3436	130	20	.	.	PUNCT
fsr-3436	131	1	it	it	PRON
fsr-3436	131	2	is	be	AUX
fsr-3436	131	3	important	important	ADJ
fsr-3436	131	4	to	to	PART
fsr-3436	131	5	note	note	VERB
fsr-3436	131	6	that	that	SCONJ
fsr-3436	131	7	satisfied	satisfied	ADJ
fsr-3436	131	8	individuals	individual	NOUN
fsr-3436	131	9	were	be	AUX
fsr-3436	131	10	more	more	ADV
fsr-3436	131	11	likely	likely	ADJ
fsr-3436	131	12	to	to	PART
fsr-3436	131	13	be	be	AUX
fsr-3436	131	14	in	in	ADP
fsr-3436	131	15	the	the	DET
fsr-3436	131	16	sample	sample	NOUN
fsr-3436	131	17	,	,	PUNCT
fsr-3436	131	18	and	and	CCONJ
fsr-3436	131	19	this	this	DET
fsr-3436	131	20	possible	possible	ADJ
fsr-3436	131	21	selection	selection	NOUN
fsr-3436	131	22	bias	bias	NOUN
fsr-3436	131	23	might	might	AUX
fsr-3436	131	24	influence	influence	VERB
fsr-3436	131	25	the	the	DET
fsr-3436	131	26	results	result	NOUN
fsr-3436	131	27	.	.	PUNCT
fsr-3436	132	1	table	table	NOUN
fsr-3436	132	2	3	3	NUM
fsr-3436	132	3	average	average	ADJ
fsr-3436	132	4	marginal	marginal	ADJ
fsr-3436	132	5	effects	effect	NOUN
fsr-3436	132	6	of	of	ADP
fsr-3436	132	7	the	the	DET
fsr-3436	132	8	risk	risk	NOUN
fsr-3436	132	9	ratio	ratio	NOUN
fsr-3436	132	10	on	on	ADP
fsr-3436	132	11	retirement	retirement	NOUN
fsr-3436	132	12	satisfaction	satisfaction	NOUN
fsr-3436	132	13	“	"	PUNCT
fsr-3436	132	14	not	not	PART
fsr-3436	132	15	at	at	ADV
fsr-3436	132	16	all	all	ADV
fsr-3436	132	17	”	"	PUNCT
fsr-3436	132	18	“	"	PUNCT
fsr-3436	132	19	moderately	moderately	ADV
fsr-3436	132	20	satisfied	satisfied	ADJ
fsr-3436	132	21	”	"	PUNCT
fsr-3436	132	22	“	"	PUNCT
fsr-3436	132	23	very	very	ADV
fsr-3436	132	24	satisfied	satisfied	ADJ
fsr-3436	132	25	”	"	PUNCT
fsr-3436	132	26	risk	risk	NOUN
fsr-3436	132	27	ratio	ratio	NOUN
fsr-3436	132	28	�	�	PROPN
fsr-3436	132	29	0.0239	0.0239	NUM
fsr-3436	132	30	*	*	SYM
fsr-3436	132	31	(	(	PUNCT
fsr-3436	132	32	0.0038	0.0038	NUM
fsr-3436	132	33	)	)	PUNCT
fsr-3436	132	34	�	�	NOUN
fsr-3436	132	35	0.0523	0.0523	NUM
fsr-3436	132	36	*	*	SYM
fsr-3436	132	37	(	(	PUNCT
fsr-3436	132	38	0.0084	0.0084	NUM
fsr-3436	132	39	)	)	PUNCT
fsr-3436	132	40	0.0762	0.0762	NUM
fsr-3436	132	41	*	*	SYM
fsr-3436	132	42	(	(	PUNCT
fsr-3436	132	43	0.0122	0.0122	NUM
fsr-3436	132	44	)	)	PUNCT
fsr-3436	132	45	health	health	NOUN
fsr-3436	132	46	(	(	PUNCT
fsr-3436	132	47	poor	poor	ADJ
fsr-3436	132	48	as	as	ADP
fsr-3436	132	49	base	base	NOUN
fsr-3436	132	50	outcome	outcome	NOUN
fsr-3436	132	51	)	)	PUNCT
fsr-3436	132	52	fair	fair	PROPN
fsr-3436	132	53	�	�	PROPN
fsr-3436	132	54	0.0633	0.0633	NUM
fsr-3436	132	55	*	*	SYM
fsr-3436	132	56	(	(	PUNCT
fsr-3436	132	57	0.0036	0.0036	NUM
fsr-3436	132	58	)	)	PUNCT
fsr-3436	132	59	�	�	NOUN
fsr-3436	132	60	0.0624	0.0624	NUM
fsr-3436	132	61	*	*	SYM
fsr-3436	132	62	(	(	PUNCT
fsr-3436	132	63	0.0030	0.0030	NUM
fsr-3436	132	64	)	)	PUNCT
fsr-3436	132	65	0.1257	0.1257	NUM
fsr-3436	132	66	*	*	SYM
fsr-3436	132	67	(	(	PUNCT
fsr-3436	132	68	0.0063	0.0063	NUM
fsr-3436	132	69	)	)	PUNCT
fsr-3436	132	70	good	good	PROPN
fsr-3436	132	71	�	�	PROPN
fsr-3436	132	72	0.0959	0.0959	NUM
fsr-3436	132	73	*	*	SYM
fsr-3436	132	74	(	(	PUNCT
fsr-3436	132	75	0.0036	0.0036	NUM
fsr-3436	132	76	)	)	PUNCT
fsr-3436	132	77	�	�	NOUN
fsr-3436	132	78	0.1263	0.1263	NUM
fsr-3436	132	79	*	*	SYM
fsr-3436	132	80	(	(	PUNCT
fsr-3436	132	81	0.0036	0.0036	NUM
fsr-3436	132	82	)	)	PUNCT
fsr-3436	132	83	0.2222	0.2222	NUM
fsr-3436	132	84	*	*	SYM
fsr-3436	132	85	(	(	PUNCT
fsr-3436	132	86	0.0065	0.0065	NUM
fsr-3436	132	87	)	)	PUNCT
fsr-3436	132	88	very	very	ADV
fsr-3436	132	89	good	good	ADJ
fsr-3436	132	90	�	�	NOUN
fsr-3436	132	91	0.1181	0.1181	NUM
fsr-3436	132	92	*	*	PUNCT
fsr-3436	132	93	(	(	PUNCT
fsr-3436	132	94	0.0037	0.0037	NUM
fsr-3436	132	95	)	)	PUNCT
fsr-3436	132	96	�	�	PROPN
fsr-3436	132	97	0.1963	0.1963	NUM
fsr-3436	132	98	*	*	PUNCT
fsr-3436	132	99	(	(	PUNCT
fsr-3436	132	100	0.0045	0.0045	NUM
fsr-3436	132	101	)	)	PUNCT
fsr-3436	132	102	0.3145	0.3145	NUM
fsr-3436	132	103	*	*	PUNCT
fsr-3436	132	104	(	(	PUNCT
fsr-3436	132	105	0.0071	0.0071	NUM
fsr-3436	132	106	)	)	PUNCT
fsr-3436	132	107	excellent	excellent	ADJ
fsr-3436	132	108	�	�	PROPN
fsr-3436	132	109	0.1275	0.1275	NUM
fsr-3436	132	110	*	*	SYM
fsr-3436	132	111	(	(	PUNCT
fsr-3436	132	112	0.0038	0.0038	NUM
fsr-3436	132	113	)	)	PUNCT
fsr-3436	132	114	�	�	NOUN
fsr-3436	132	115	0.2385	0.2385	NUM
fsr-3436	132	116	*	*	SYM
fsr-3436	132	117	(	(	PUNCT
fsr-3436	132	118	0.0065	0.0065	NUM
fsr-3436	132	119	)	)	PUNCT
fsr-3436	132	120	0.3661	0.3661	NUM
fsr-3436	132	121	*	*	SYM
fsr-3436	132	122	(	(	PUNCT
fsr-3436	132	123	0.0089	0.0089	NUM
fsr-3436	132	124	)	)	PUNCT
fsr-3436	132	125	male	male	NOUN
fsr-3436	132	126	(	(	PUNCT
fsr-3436	132	127	female	female	NOUN
fsr-3436	132	128	as	as	ADP
fsr-3436	132	129	base	base	NOUN
fsr-3436	132	130	outcome	outcome	NOUN
fsr-3436	132	131	)	)	PUNCT
fsr-3436	132	132	0.0002	0.0002	NUM
fsr-3436	132	133	(	(	PUNCT
fsr-3436	132	134	0.0018	0.0018	NUM
fsr-3436	132	135	)	)	PUNCT
fsr-3436	132	136	0.0005	0.0005	NUM
fsr-3436	132	137	(	(	PUNCT
fsr-3436	132	138	0.0038	0.0038	NUM
fsr-3436	132	139	)	)	PUNCT
fsr-3436	132	140	�	�	PROPN
fsr-3436	132	141	0.0007	0.0007	NUM
fsr-3436	132	142	(	(	PUNCT
fsr-3436	132	143	0.0056	0.0056	NUM
fsr-3436	132	144	)	)	PUNCT
fsr-3436	132	145	white	white	NOUN
fsr-3436	132	146	(	(	PUNCT
fsr-3436	132	147	non	non	ADJ
fsr-3436	132	148	-	-	ADJ
fsr-3436	132	149	white	white	ADJ
fsr-3436	132	150	as	as	ADP
fsr-3436	132	151	base	base	NOUN
fsr-3436	132	152	outcome	outcome	NOUN
fsr-3436	132	153	)	)	PUNCT
fsr-3436	132	154	�	�	PROPN
fsr-3436	132	155	0.0121	0.0121	NUM
fsr-3436	132	156	*	*	PUNCT
fsr-3436	132	157	(	(	PUNCT
fsr-3436	132	158	0.0024	0.0024	NUM
fsr-3436	132	159	)	)	PUNCT
fsr-3436	132	160	�	�	NOUN
fsr-3436	132	161	0.0529	0.0529	NUM
fsr-3436	132	162	*	*	PUNCT
fsr-3436	132	163	(	(	PUNCT
fsr-3436	132	164	0.0052	0.0052	NUM
fsr-3436	132	165	)	)	PUNCT
fsr-3436	132	166	0.0387	0.0387	NUM
fsr-3436	132	167	*	*	SYM
fsr-3436	132	168	(	(	PUNCT
fsr-3436	132	169	0.0076	0.0076	NUM
fsr-3436	132	170	)	)	PUNCT
fsr-3436	132	171	married	married	ADJ
fsr-3436	132	172	(	(	PUNCT
fsr-3436	132	173	non	non	ADJ
fsr-3436	132	174	-	-	ADJ
fsr-3436	132	175	married	married	ADJ
fsr-3436	132	176	as	as	ADP
fsr-3436	132	177	base	base	NOUN
fsr-3436	132	178	outcome	outcome	NOUN
fsr-3436	132	179	)	)	PUNCT
fsr-3436	132	180	�	�	PROPN
fsr-3436	132	181	0.0242	0.0242	NUM
fsr-3436	132	182	*	*	PROPN
fsr-3436	132	183	(	(	PUNCT
fsr-3436	132	184	0.0016	0.0016	NUM
fsr-3436	132	185	)	)	PUNCT
fsr-3436	132	186	�	�	PROPN
fsr-3436	132	187	0.0529	0.0529	NUM
fsr-3436	132	188	*	*	PUNCT
fsr-3436	132	189	(	(	PUNCT
fsr-3436	132	190	0.0033	0.0033	NUM
fsr-3436	132	191	)	)	PUNCT
fsr-3436	132	192	0.0772	0.0772	NUM
fsr-3436	132	193	*	*	PUNCT
fsr-3436	132	194	(	(	PUNCT
fsr-3436	132	195	0.0048	0.0048	NUM
fsr-3436	132	196	)	)	PUNCT
fsr-3436	132	197	education	education	NOUN
fsr-3436	132	198	�	�	PROPN
fsr-3436	132	199	0.0042	0.0042	NUM
fsr-3436	132	200	*	*	SYM
fsr-3436	132	201	(	(	PUNCT
fsr-3436	132	202	0.0003	0.0003	NUM
fsr-3436	132	203	)	)	PUNCT
fsr-3436	132	204	�	�	NOUN
fsr-3436	132	205	0.0092	0.0092	NUM
fsr-3436	132	206	*	*	SYM
fsr-3436	132	207	(	(	PUNCT
fsr-3436	132	208	0.0006	0.0006	NUM
fsr-3436	132	209	)	)	PUNCT
fsr-3436	132	210	0.0133	0.0133	NUM
fsr-3436	132	211	*	*	SYM
fsr-3436	132	212	(	(	PUNCT
fsr-3436	132	213	0.0009	0.0009	NUM
fsr-3436	132	214	)	)	PUNCT
fsr-3436	132	215	age	age	NOUN
fsr-3436	132	216	�	�	PROPN
fsr-3436	132	217	0.0012	0.0012	NUM
fsr-3436	132	218	*	*	SYM
fsr-3436	132	219	(	(	PUNCT
fsr-3436	132	220	0.0000	0.0000	NUM
fsr-3436	132	221	)	)	PUNCT
fsr-3436	132	222	�	�	PROPN
fsr-3436	132	223	0.0026	0.0026	NUM
fsr-3436	132	224	*	*	SYM
fsr-3436	132	225	(	(	PUNCT
fsr-3436	132	226	0.0001	0.0001	NUM
fsr-3436	132	227	)	)	PUNCT
fsr-3436	132	228	0.0039	0.0039	NUM
fsr-3436	132	229	*	*	SYM
fsr-3436	132	230	(	(	PUNCT
fsr-3436	132	231	0.0002	0.0002	NUM
fsr-3436	132	232	)	)	PUNCT
fsr-3436	132	233	income	income	NOUN
fsr-3436	132	234	(	(	PUNCT
fsr-3436	132	235	10k	10k	NOUN
fsr-3436	132	236	)	)	PUNCT
fsr-3436	132	237	�	�	PROPN
fsr-3436	132	238	0.0003	0.0003	NUM
fsr-3436	132	239	*	*	SYM
fsr-3436	132	240	(	(	PUNCT
fsr-3436	132	241	0.0000	0.0000	NUM
fsr-3436	132	242	)	)	PUNCT
fsr-3436	132	243	�	�	PROPN
fsr-3436	132	244	0.0006	0.0006	NUM
fsr-3436	132	245	*	*	PUNCT
fsr-3436	132	246	(	(	PUNCT
fsr-3436	132	247	0.0001	0.0001	NUM
fsr-3436	132	248	)	)	PUNCT
fsr-3436	132	249	0.0009	0.0009	NUM
fsr-3436	132	250	*	*	SYM
fsr-3436	132	251	(	(	PUNCT
fsr-3436	132	252	0.0002	0.0002	NUM
fsr-3436	132	253	)	)	PUNCT
fsr-3436	132	254	wealth	wealth	NOUN
fsr-3436	132	255	(	(	PUNCT
fsr-3436	132	256	10k	10k	NOUN
fsr-3436	132	257	)	)	PUNCT
fsr-3436	132	258	�	�	PROPN
fsr-3436	132	259	0.0001	0.0001	NUM
fsr-3436	132	260	*	*	PUNCT
fsr-3436	132	261	(	(	PUNCT
fsr-3436	132	262	0.0000	0.0000	NUM
fsr-3436	132	263	)	)	PUNCT
fsr-3436	132	264	�	�	PROPN
fsr-3436	132	265	0.0002	0.0002	NUM
fsr-3436	132	266	*	*	SYM
fsr-3436	132	267	(	(	PUNCT
fsr-3436	132	268	0.0001	0.0001	NUM
fsr-3436	132	269	)	)	PUNCT
fsr-3436	132	270	0.0003	0.0003	NUM
fsr-3436	132	271	*	*	SYM
fsr-3436	132	272	(	(	PUNCT
fsr-3436	132	273	0.0002	0.0002	NUM
fsr-3436	132	274	)	)	PUNCT
fsr-3436	132	275	note	note	NOUN
fsr-3436	132	276	:	:	PUNCT
fsr-3436	132	277	significance	significance	NOUN
fsr-3436	132	278	is	be	AUX
fsr-3436	132	279	defined	define	VERB
fsr-3436	132	280	as	as	SCONJ
fsr-3436	132	281	follows	follow	VERB
fsr-3436	132	282	:	:	PUNCT
fsr-3436	132	283	*	*	PUNCT
fsr-3436	132	284	significant	significant	ADJ
fsr-3436	132	285	at	at	ADP
fsr-3436	132	286	the	the	DET
fsr-3436	132	287	one	one	NUM
fsr-3436	132	288	-	-	PUNCT
fsr-3436	132	289	percent	percent	NOUN
fsr-3436	132	290	level	level	NOUN
fsr-3436	132	291	.	.	PUNCT
fsr-3436	133	1	wealth	wealth	NOUN
fsr-3436	133	2	and	and	CCONJ
fsr-3436	133	3	income	income	NOUN
fsr-3436	133	4	means	mean	NOUN
fsr-3436	133	5	and	and	CCONJ
fsr-3436	133	6	standard	standard	ADJ
fsr-3436	133	7	errors	error	NOUN
fsr-3436	133	8	reported	report	VERB
fsr-3436	133	9	in	in	ADP
fsr-3436	133	10	$	$	SYM
fsr-3436	133	11	10,000s	10,000s	NUM
fsr-3436	133	12	.	.	PUNCT
fsr-3436	134	1	n	n	X
fsr-3436	134	2	¼	¼	NOUN
fsr-3436	134	3	59,404	59,404	NUM
fsr-3436	134	4	observations	observation	NOUN
fsr-3436	134	5	from	from	ADP
fsr-3436	134	6	17,672	17,672	NUM
fsr-3436	134	7	retirees	retiree	NOUN
fsr-3436	134	8	.	.	PUNCT
fsr-3436	135	1	table	table	NOUN
fsr-3436	135	2	4	4	NUM
fsr-3436	135	3	s&p	s&p	PROPN
fsr-3436	135	4	500	500	NUM
fsr-3436	135	5	returns	return	NOUN
fsr-3436	135	6	wave	wave	NOUN
fsr-3436	135	7	(	(	PUNCT
fsr-3436	135	8	year	year	NOUN
fsr-3436	135	9	)	)	PUNCT
fsr-3436	135	10	s&p	s&p	PROPN
fsr-3436	135	11	500	500	NUM
fsr-3436	135	12	return	return	NOUN
fsr-3436	135	13	wave	wave	NOUN
fsr-3436	135	14	1	1	NUM
fsr-3436	135	15	(	(	PUNCT
fsr-3436	135	16	1992	1992	NUM
fsr-3436	135	17	)	)	PUNCT
fsr-3436	135	18	7.62	7.62	NUM
fsr-3436	135	19	wave	wave	NOUN
fsr-3436	135	20	2	2	NUM
fsr-3436	135	21	(	(	PUNCT
fsr-3436	135	22	1994	1994	NUM
fsr-3436	135	23	)	)	PUNCT
fsr-3436	135	24	1.32	1.32	NUM
fsr-3436	135	25	wave	wave	NOUN
fsr-3436	135	26	3	3	NUM
fsr-3436	135	27	(	(	PUNCT
fsr-3436	135	28	1996	1996	NUM
fsr-3436	135	29	)	)	PUNCT
fsr-3436	135	30	22.96	22.96	NUM
fsr-3436	135	31	wave	wave	NOUN
fsr-3436	135	32	4	4	NUM
fsr-3436	135	33	(	(	PUNCT
fsr-3436	135	34	1998	1998	NUM
fsr-3436	135	35	)	)	PUNCT
fsr-3436	135	36	28.58	28.58	NUM
fsr-3436	135	37	wave	wave	NOUN
fsr-3436	135	38	5	5	NUM
fsr-3436	135	39	(	(	PUNCT
fsr-3436	135	40	2000	2000	NUM
fsr-3436	135	41	)	)	PUNCT
fsr-3436	135	42	�	�	NOUN
fsr-3436	135	43	9.10	9.10	NUM
fsr-3436	135	44	wave	wave	NOUN
fsr-3436	135	45	6	6	NUM
fsr-3436	135	46	(	(	PUNCT
fsr-3436	135	47	2002	2002	NUM
fsr-3436	135	48	)	)	PUNCT
fsr-3436	135	49	�	�	PROPN
fsr-3436	135	50	22.10	22.10	NUM
fsr-3436	135	51	wave	wave	NOUN
fsr-3436	135	52	7	7	NUM
fsr-3436	135	53	(	(	PUNCT
fsr-3436	135	54	2004	2004	NUM
fsr-3436	135	55	)	)	PUNCT
fsr-3436	135	56	10.88	10.88	NUM
fsr-3436	135	57	wave	wave	NOUN
fsr-3436	135	58	8	8	NUM
fsr-3436	135	59	(	(	PUNCT
fsr-3436	135	60	2006	2006	NUM
fsr-3436	135	61	)	)	PUNCT
fsr-3436	135	62	15.79	15.79	NUM
fsr-3436	135	63	wave	wave	NOUN
fsr-3436	135	64	9	9	NUM
fsr-3436	135	65	(	(	PUNCT
fsr-3436	135	66	2008	2008	NUM
fsr-3436	135	67	)	)	PUNCT
fsr-3436	135	68	�	�	PROPN
fsr-3436	135	69	37.00	37.00	NUM
fsr-3436	135	70	wave	wave	NOUN
fsr-3436	135	71	10	10	NUM
fsr-3436	135	72	(	(	PUNCT
fsr-3436	135	73	2010	2010	NUM
fsr-3436	135	74	)	)	PUNCT
fsr-3436	135	75	15.06	15.06	NUM
fsr-3436	135	76	wave	wave	NOUN
fsr-3436	135	77	11	11	NUM
fsr-3436	135	78	(	(	PUNCT
fsr-3436	135	79	2012	2012	NUM
fsr-3436	135	80	)	)	PUNCT
fsr-3436	135	81	16.00	16.00	NUM
fsr-3436	135	82	wave	wave	NOUN
fsr-3436	135	83	12	12	NUM
fsr-3436	135	84	(	(	PUNCT
fsr-3436	135	85	2014	2014	NUM
fsr-3436	135	86	)	)	PUNCT
fsr-3436	135	87	13.69	13.69	NUM
fsr-3436	135	88	note	note	NOUN
fsr-3436	135	89	:	:	PUNCT
fsr-3436	135	90	returns	return	NOUN
fsr-3436	135	91	include	include	VERB
fsr-3436	135	92	both	both	DET
fsr-3436	135	93	price	price	NOUN
fsr-3436	135	94	changes	change	NOUN
fsr-3436	135	95	and	and	CCONJ
fsr-3436	135	96	dividends	dividend	NOUN
fsr-3436	135	97	generated	generate	VERB
fsr-3436	135	98	the	the	DET
fsr-3436	135	99	s&p	s&p	PROPN
fsr-3436	135	100	500	500	NUM
fsr-3436	135	101	index	index	NOUN
fsr-3436	135	102	for	for	ADP
fsr-3436	135	103	the	the	DET
fsr-3436	135	104	year	year	NOUN
fsr-3436	135	105	analyzed	analyze	VERB
fsr-3436	135	106	.	.	PUNCT
fsr-3436	136	1	b.	b.	PROPN
fsr-3436	136	2	pearson	pearson	PROPN
fsr-3436	136	3	,	,	PUNCT
fsr-3436	136	4	m.	m.	NOUN
fsr-3436	136	5	guillemette	guillemette	NOUN
fsr-3436	136	6	/	/	SYM
fsr-3436	136	7	financial	financial	ADJ
fsr-3436	136	8	services	service	NOUN
fsr-3436	136	9	review	review	VERB
fsr-3436	136	10	28	28	NUM
fsr-3436	136	11	(	(	PUNCT
fsr-3436	136	12	2020	2020	NUM
fsr-3436	136	13	)	)	PUNCT
fsr-3436	137	1	341–350	341–350	NUM
fsr-3436	137	2	347	347	NUM
fsr-3436	137	3	conclusions	conclusion	NOUN
fsr-3436	137	4	the	the	DET
fsr-3436	137	5	only	only	ADJ
fsr-3436	137	6	financial	financial	ADJ
fsr-3436	137	7	resources	resource	NOUN
fsr-3436	137	8	available	available	ADJ
fsr-3436	137	9	to	to	ADP
fsr-3436	137	10	fully	fully	ADV
fsr-3436	137	11	-	-	PUNCT
fsr-3436	137	12	retired	retire	VERB
fsr-3436	137	13	individuals	individual	NOUN
fsr-3436	137	14	are	be	AUX
fsr-3436	137	15	from	from	ADP
fsr-3436	137	16	saved	save	VERB
fsr-3436	137	17	assets	asset	NOUN
fsr-3436	137	18	and	and	CCONJ
fsr-3436	137	19	income	income	NOUN
fsr-3436	137	20	from	from	ADP
fsr-3436	137	21	sources	source	NOUN
fsr-3436	137	22	such	such	ADJ
fsr-3436	137	23	as	as	ADP
fsr-3436	137	24	annuities	annuity	NOUN
fsr-3436	137	25	,	,	PUNCT
fsr-3436	137	26	pensions	pension	NOUN
fsr-3436	137	27	,	,	PUNCT
fsr-3436	137	28	and	and	CCONJ
fsr-3436	137	29	government	government	NOUN
fsr-3436	137	30	transfers	transfer	NOUN
fsr-3436	137	31	.	.	PUNCT
fsr-3436	138	1	aside	aside	ADV
fsr-3436	138	2	from	from	ADP
fsr-3436	138	3	reentering	reentere	VERB
fsr-3436	138	4	the	the	DET
fsr-3436	138	5	labor	labor	NOUN
fsr-3436	138	6	force	force	NOUN
fsr-3436	138	7	,	,	PUNCT
fsr-3436	138	8	retirees	retiree	NOUN
fsr-3436	138	9	have	have	VERB
fsr-3436	138	10	few	few	ADJ
fsr-3436	138	11	options	option	NOUN
fsr-3436	138	12	to	to	PART
fsr-3436	138	13	increase	increase	VERB
fsr-3436	138	14	their	their	PRON
fsr-3436	138	15	income	income	NOUN
fsr-3436	138	16	in	in	ADP
fsr-3436	138	17	retirement	retirement	NOUN
fsr-3436	138	18	.	.	PUNCT
fsr-3436	139	1	one	one	NUM
fsr-3436	139	2	-	-	PUNCT
fsr-3436	139	3	way	way	NOUN
fsr-3436	139	4	retirees	retiree	NOUN
fsr-3436	139	5	can	can	AUX
fsr-3436	139	6	increase	increase	VERB
fsr-3436	139	7	income	income	NOUN
fsr-3436	139	8	is	be	AUX
fsr-3436	139	9	from	from	ADP
fsr-3436	139	10	the	the	DET
fsr-3436	139	11	management	management	NOUN
fsr-3436	139	12	of	of	ADP
fsr-3436	139	13	their	their	PRON
fsr-3436	139	14	saved	save	VERB
fsr-3436	139	15	assets	asset	NOUN
fsr-3436	139	16	.	.	PUNCT
fsr-3436	140	1	for	for	ADP
fsr-3436	140	2	example	example	NOUN
fsr-3436	140	3	,	,	PUNCT
fsr-3436	140	4	one	one	NUM
fsr-3436	140	5	option	option	NOUN
fsr-3436	140	6	available	available	ADJ
fsr-3436	140	7	to	to	ADP
fsr-3436	140	8	retirees	retiree	NOUN
fsr-3436	140	9	is	be	AUX
fsr-3436	140	10	to	to	PART
fsr-3436	140	11	convert	convert	VERB
fsr-3436	140	12	their	their	PRON
fsr-3436	140	13	saved	save	VERB
fsr-3436	140	14	assets	asset	NOUN
fsr-3436	140	15	into	into	ADP
fsr-3436	140	16	non	non	ADJ
fsr-3436	140	17	-	-	ADJ
fsr-3436	140	18	labor	labor	ADJ
fsr-3436	140	19	income	income	NOUN
fsr-3436	140	20	.	.	PUNCT
fsr-3436	141	1	retirees	retiree	NOUN
fsr-3436	141	2	often	often	ADV
fsr-3436	141	3	facilitate	facilitate	VERB
fsr-3436	141	4	this	this	PRON
fsr-3436	141	5	by	by	ADP
fsr-3436	141	6	annuitizing	annuitize	VERB
fsr-3436	141	7	their	their	PRON
fsr-3436	141	8	saved	save	VERB
fsr-3436	141	9	assets	asset	NOUN
fsr-3436	141	10	.	.	PUNCT
fsr-3436	142	1	however	however	ADV
fsr-3436	142	2	,	,	PUNCT
fsr-3436	142	3	this	this	DET
fsr-3436	142	4	option	option	NOUN
fsr-3436	142	5	may	may	AUX
fsr-3436	142	6	not	not	PART
fsr-3436	142	7	be	be	AUX
fsr-3436	142	8	an	an	DET
fsr-3436	142	9	optimal	optimal	ADJ
fsr-3436	142	10	solution	solution	NOUN
fsr-3436	142	11	for	for	ADP
fsr-3436	142	12	retirees	retiree	NOUN
fsr-3436	142	13	with	with	ADP
fsr-3436	142	14	bequest	bequest	NOUN
fsr-3436	142	15	motives	motive	NOUN
fsr-3436	142	16	.	.	PUNCT
fsr-3436	143	1	in	in	ADP
fsr-3436	143	2	addition	addition	NOUN
fsr-3436	143	3	,	,	PUNCT
fsr-3436	143	4	illiquidity	illiquidity	NOUN
fsr-3436	143	5	brought	bring	VERB
fsr-3436	143	6	about	about	ADP
fsr-3436	143	7	by	by	ADP
fsr-3436	143	8	annuitization	annuitization	NOUN
fsr-3436	143	9	may	may	AUX
fsr-3436	143	10	decrease	decrease	VERB
fsr-3436	143	11	a	a	DET
fsr-3436	143	12	retiree	retiree	NOUN
fsr-3436	143	13	’s	’s	PART
fsr-3436	143	14	ability	ability	NOUN
fsr-3436	143	15	to	to	PART
fsr-3436	143	16	afford	afford	VERB
fsr-3436	143	17	larger	large	ADJ
fsr-3436	143	18	unexpected	unexpected	ADJ
fsr-3436	143	19	expenses	expense	NOUN
fsr-3436	143	20	,	,	PUNCT
fsr-3436	143	21	such	such	ADJ
fsr-3436	143	22	as	as	ADP
fsr-3436	143	23	the	the	DET
fsr-3436	143	24	occurrence	occurrence	NOUN
fsr-3436	143	25	of	of	ADP
fsr-3436	143	26	a	a	DET
fsr-3436	143	27	health	health	NOUN
fsr-3436	143	28	shock	shock	NOUN
fsr-3436	143	29	.	.	PUNCT
fsr-3436	144	1	increasing	increase	VERB
fsr-3436	144	2	financial	financial	ADJ
fsr-3436	144	3	risk	risk	NOUN
fsr-3436	144	4	is	be	AUX
fsr-3436	144	5	potentially	potentially	ADV
fsr-3436	144	6	another	another	DET
fsr-3436	144	7	option	option	NOUN
fsr-3436	144	8	to	to	PART
fsr-3436	144	9	increase	increase	VERB
fsr-3436	144	10	retiree	retiree	NOUN
fsr-3436	144	11	income	income	NOUN
fsr-3436	144	12	.	.	PUNCT
fsr-3436	145	1	however	however	ADV
fsr-3436	145	2	,	,	PUNCT
fsr-3436	145	3	traditional	traditional	ADJ
fsr-3436	145	4	asset	asset	NOUN
fsr-3436	145	5	management	management	NOUN
fsr-3436	145	6	approaches	approach	NOUN
fsr-3436	145	7	advocate	advocate	VERB
fsr-3436	145	8	for	for	ADP
fsr-3436	145	9	the	the	DET
fsr-3436	145	10	opposite	opposite	NOUN
fsr-3436	145	11	,	,	PUNCT
fsr-3436	145	12	suggesting	suggest	VERB
fsr-3436	145	13	that	that	SCONJ
fsr-3436	145	14	retirees	retiree	NOUN
fsr-3436	145	15	decrease	decrease	VERB
fsr-3436	145	16	financial	financial	ADJ
fsr-3436	145	17	risk	risk	NOUN
fsr-3436	145	18	in	in	ADP
fsr-3436	145	19	retirement	retirement	NOUN
fsr-3436	145	20	.	.	PUNCT
fsr-3436	146	1	most	most	ADJ
fsr-3436	146	2	of	of	ADP
fsr-3436	146	3	these	these	DET
fsr-3436	146	4	arguments	argument	NOUN
fsr-3436	146	5	are	be	AUX
fsr-3436	146	6	rooted	root	VERB
fsr-3436	146	7	in	in	ADP
fsr-3436	146	8	the	the	DET
fsr-3436	146	9	traditional	traditional	ADJ
fsr-3436	146	10	time	time	NOUN
fsr-3436	146	11	-	-	PUNCT
fsr-3436	146	12	horizon	horizon	NOUN
fsr-3436	146	13	asset	asset	NOUN
fsr-3436	146	14	management	management	NOUN
fsr-3436	146	15	approach	approach	NOUN
fsr-3436	146	16	.	.	PUNCT
fsr-3436	147	1	this	this	DET
fsr-3436	147	2	approach	approach	NOUN
fsr-3436	147	3	suggests	suggest	VERB
fsr-3436	147	4	that	that	SCONJ
fsr-3436	147	5	when	when	SCONJ
fsr-3436	147	6	a	a	DET
fsr-3436	147	7	goal	goal	NOUN
fsr-3436	147	8	,	,	PUNCT
fsr-3436	147	9	such	such	ADJ
fsr-3436	147	10	as	as	ADP
fsr-3436	147	11	retirement	retirement	NOUN
fsr-3436	147	12	,	,	PUNCT
fsr-3436	147	13	approaches	approach	NOUN
fsr-3436	147	14	,	,	PUNCT
fsr-3436	147	15	individuals	individual	NOUN
fsr-3436	147	16	should	should	AUX
fsr-3436	147	17	transition	transition	VERB
fsr-3436	147	18	their	their	PRON
fsr-3436	147	19	financially	financially	ADV
fsr-3436	147	20	risky	risky	ADJ
fsr-3436	147	21	assets	asset	NOUN
fsr-3436	147	22	into	into	ADP
fsr-3436	147	23	lessfinancially	lessfinancially	ADJ
fsr-3436	147	24	risky	risky	ADJ
fsr-3436	147	25	assets	asset	NOUN
fsr-3436	147	26	.	.	PUNCT
fsr-3436	148	1	during	during	ADP
fsr-3436	148	2	the	the	DET
fsr-3436	148	3	pre	pre	ADJ
fsr-3436	148	4	-	-	ADJ
fsr-3436	148	5	retirement	retirement	ADJ
fsr-3436	148	6	stage	stage	NOUN
fsr-3436	148	7	of	of	ADP
fsr-3436	148	8	the	the	DET
fsr-3436	148	9	lifecycle	lifecycle	NOUN
fsr-3436	148	10	,	,	PUNCT
fsr-3436	148	11	individuals	individual	NOUN
fsr-3436	148	12	should	should	AUX
fsr-3436	148	13	reduce	reduce	VERB
fsr-3436	148	14	risk	risk	NOUN
fsr-3436	148	15	in	in	ADP
fsr-3436	148	16	response	response	NOUN
fsr-3436	148	17	to	to	ADP
fsr-3436	148	18	a	a	DET
fsr-3436	148	19	decline	decline	NOUN
fsr-3436	148	20	in	in	ADP
fsr-3436	148	21	human	human	ADJ
fsr-3436	148	22	capital	capital	NOUN
fsr-3436	148	23	.	.	PUNCT
fsr-3436	149	1	because	because	SCONJ
fsr-3436	149	2	human	human	ADJ
fsr-3436	149	3	capital	capital	NOUN
fsr-3436	149	4	resembles	resemble	VERB
fsr-3436	149	5	a	a	DET
fsr-3436	149	6	“	"	PUNCT
fsr-3436	149	7	bond	bond	NOUN
fsr-3436	149	8	-	-	PUNCT
fsr-3436	149	9	like	like	ADJ
fsr-3436	149	10	”	"	PUNCT
fsr-3436	149	11	asset	asset	NOUN
fsr-3436	149	12	,	,	PUNCT
fsr-3436	149	13	increasing	increase	VERB
fsr-3436	149	14	bond	bond	NOUN
fsr-3436	149	15	exposure	exposure	NOUN
fsr-3436	149	16	as	as	SCONJ
fsr-3436	149	17	an	an	DET
fsr-3436	149	18	investor	investor	NOUN
fsr-3436	149	19	approaches	approach	VERB
fsr-3436	149	20	retirement	retirement	NOUN
fsr-3436	149	21	is	be	AUX
fsr-3436	149	22	a	a	DET
fsr-3436	149	23	theoretically	theoretically	ADV
fsr-3436	149	24	sound	sound	ADJ
fsr-3436	149	25	decision	decision	NOUN
fsr-3436	149	26	.	.	PUNCT
fsr-3436	150	1	the	the	DET
fsr-3436	150	2	rationale	rationale	NOUN
fsr-3436	150	3	behind	behind	ADP
fsr-3436	150	4	glide	glide	NOUN
fsr-3436	150	5	paths	path	NOUN
fsr-3436	150	6	within	within	ADP
fsr-3436	150	7	target	target	NOUN
fsr-3436	150	8	date	date	NOUN
fsr-3436	150	9	or	or	CCONJ
fsr-3436	150	10	lifecycle	lifecycle	NOUN
fsr-3436	150	11	funds	fund	NOUN
fsr-3436	150	12	fits	fit	VERB
fsr-3436	150	13	within	within	ADP
fsr-3436	150	14	this	this	DET
fsr-3436	150	15	theoretical	theoretical	ADJ
fsr-3436	150	16	framework	framework	NOUN
fsr-3436	150	17	,	,	PUNCT
fsr-3436	150	18	as	as	SCONJ
fsr-3436	150	19	these	these	DET
fsr-3436	150	20	funds	fund	NOUN
fsr-3436	150	21	reduce	reduce	VERB
fsr-3436	150	22	equity	equity	NOUN
fsr-3436	150	23	exposure	exposure	NOUN
fsr-3436	150	24	and	and	CCONJ
fsr-3436	150	25	increase	increase	VERB
fsr-3436	150	26	bond	bond	NOUN
fsr-3436	150	27	exposure	exposure	NOUN
fsr-3436	150	28	as	as	SCONJ
fsr-3436	150	29	an	an	DET
fsr-3436	150	30	individual	individual	ADJ
fsr-3436	150	31	approaches	approach	VERB
fsr-3436	150	32	a	a	DET
fsr-3436	150	33	retirement	retirement	NOUN
fsr-3436	150	34	date	date	NOUN
fsr-3436	150	35	.	.	PUNCT
fsr-3436	151	1	once	once	ADV
fsr-3436	151	2	a	a	DET
fsr-3436	151	3	retiree	retiree	NOUN
fsr-3436	151	4	exits	exit	VERB
fsr-3436	151	5	the	the	DET
fsr-3436	151	6	labor	labor	NOUN
fsr-3436	151	7	market	market	NOUN
fsr-3436	151	8	,	,	PUNCT
fsr-3436	151	9	and	and	CCONJ
fsr-3436	151	10	the	the	DET
fsr-3436	151	11	present	present	ADJ
fsr-3436	151	12	value	value	NOUN
fsr-3436	151	13	of	of	ADP
fsr-3436	151	14	future	future	ADJ
fsr-3436	151	15	earnings	earning	NOUN
fsr-3436	151	16	from	from	ADP
fsr-3436	151	17	labor	labor	NOUN
fsr-3436	151	18	is	be	AUX
fsr-3436	151	19	zero	zero	NUM
fsr-3436	151	20	,	,	PUNCT
fsr-3436	151	21	human	human	ADJ
fsr-3436	151	22	capital	capital	NOUN
fsr-3436	151	23	is	be	AUX
fsr-3436	151	24	no	no	ADV
fsr-3436	151	25	longer	long	ADV
fsr-3436	151	26	a	a	DET
fsr-3436	151	27	significant	significant	ADJ
fsr-3436	151	28	asset	asset	NOUN
fsr-3436	151	29	within	within	ADP
fsr-3436	151	30	a	a	DET
fsr-3436	151	31	holistic	holistic	ADJ
fsr-3436	151	32	portfolio	portfolio	NOUN
fsr-3436	151	33	,	,	PUNCT
fsr-3436	151	34	and	and	CCONJ
fsr-3436	151	35	a	a	DET
fsr-3436	151	36	future	future	ADJ
fsr-3436	151	37	reduction	reduction	NOUN
fsr-3436	151	38	in	in	ADP
fsr-3436	151	39	portfolio	portfolio	NOUN
fsr-3436	151	40	risk	risk	NOUN
fsr-3436	151	41	may	may	AUX
fsr-3436	151	42	not	not	PART
fsr-3436	151	43	be	be	AUX
fsr-3436	151	44	warranted	warrant	VERB
fsr-3436	151	45	from	from	ADP
fsr-3436	151	46	a	a	DET
fsr-3436	151	47	theoretical	theoretical	ADJ
fsr-3436	151	48	standpoint	standpoint	NOUN
fsr-3436	151	49	.	.	PUNCT
fsr-3436	152	1	absent	absent	ADJ
fsr-3436	152	2	human	human	ADJ
fsr-3436	152	3	capital	capital	NOUN
fsr-3436	152	4	,	,	PUNCT
fsr-3436	152	5	there	there	PRON
fsr-3436	152	6	is	be	VERB
fsr-3436	152	7	not	not	PART
fsr-3436	152	8	a	a	DET
fsr-3436	152	9	strong	strong	ADJ
fsr-3436	152	10	theoretical	theoretical	ADJ
fsr-3436	152	11	rationale	rationale	NOUN
fsr-3436	152	12	for	for	ADP
fsr-3436	152	13	the	the	DET
fsr-3436	152	14	reduction	reduction	NOUN
fsr-3436	152	15	of	of	ADP
fsr-3436	152	16	risk	risk	NOUN
fsr-3436	152	17	during	during	ADP
fsr-3436	152	18	the	the	DET
fsr-3436	152	19	table	table	NOUN
fsr-3436	152	20	5	5	NUM
fsr-3436	152	21	average	average	ADJ
fsr-3436	152	22	marginal	marginal	ADJ
fsr-3436	152	23	effects	effect	NOUN
fsr-3436	152	24	of	of	ADP
fsr-3436	152	25	the	the	DET
fsr-3436	152	26	risk	risk	NOUN
fsr-3436	152	27	ratio	ratio	NOUN
fsr-3436	152	28	on	on	ADP
fsr-3436	152	29	retirement	retirement	NOUN
fsr-3436	152	30	satisfaction	satisfaction	NOUN
fsr-3436	152	31	including	include	VERB
fsr-3436	152	32	s&p	s&p	PROPN
fsr-3436	152	33	500	500	NUM
fsr-3436	152	34	returns	return	NOUN
fsr-3436	152	35	“	"	PUNCT
fsr-3436	152	36	not	not	PART
fsr-3436	152	37	at	at	ADV
fsr-3436	152	38	all	all	ADV
fsr-3436	152	39	”	"	PUNCT
fsr-3436	152	40	“	"	PUNCT
fsr-3436	152	41	moderately	moderately	ADV
fsr-3436	152	42	satisfied	satisfied	ADJ
fsr-3436	152	43	”	"	PUNCT
fsr-3436	152	44	“	"	PUNCT
fsr-3436	152	45	very	very	ADV
fsr-3436	152	46	satisfied	satisfied	ADJ
fsr-3436	152	47	”	"	PUNCT
fsr-3436	152	48	risk	risk	NOUN
fsr-3436	152	49	ratio	ratio	NOUN
fsr-3436	152	50	�	�	NOUN
fsr-3436	153	1	0.0092	0.0092	NUM
fsr-3436	153	2	*	*	PUNCT
fsr-3436	153	3	(	(	PUNCT
fsr-3436	153	4	0.0021	0.0021	NUM
fsr-3436	153	5	)	)	PUNCT
fsr-3436	153	6	�	�	PROPN
fsr-3436	153	7	0.0135	0.0135	NUM
fsr-3436	153	8	*	*	PUNCT
fsr-3436	153	9	(	(	PUNCT
fsr-3436	153	10	0.0032	0.0032	NUM
fsr-3436	153	11	)	)	PUNCT
fsr-3436	153	12	0.0223	0.0223	NUM
fsr-3436	153	13	*	*	PUNCT
fsr-3436	153	14	(	(	PUNCT
fsr-3436	153	15	0.0053	0.0053	NUM
fsr-3436	153	16	)	)	PUNCT
fsr-3436	153	17	health	health	NOUN
fsr-3436	153	18	(	(	PUNCT
fsr-3436	153	19	poor	poor	ADJ
fsr-3436	153	20	as	as	ADP
fsr-3436	153	21	base	base	NOUN
fsr-3436	153	22	outcome	outcome	NOUN
fsr-3436	153	23	)	)	PUNCT
fsr-3436	153	24	fair	fair	PROPN
fsr-3436	153	25	�	�	PROPN
fsr-3436	153	26	0.0694	0.0694	NUM
fsr-3436	153	27	*	*	SYM
fsr-3436	153	28	(	(	PUNCT
fsr-3436	153	29	0.0034	0.0034	NUM
fsr-3436	153	30	)	)	PUNCT
fsr-3436	153	31	�	�	NOUN
fsr-3436	153	32	0.0461	0.0461	NUM
fsr-3436	153	33	*	*	SYM
fsr-3436	153	34	(	(	PUNCT
fsr-3436	153	35	0.0020	0.0020	NUM
fsr-3436	153	36	)	)	PUNCT
fsr-3436	153	37	0.1116	0.1116	NUM
fsr-3436	153	38	*	*	SYM
fsr-3436	153	39	(	(	PUNCT
fsr-3436	153	40	0.0051	0.0051	NUM
fsr-3436	153	41	)	)	PUNCT
fsr-3436	153	42	good	good	PROPN
fsr-3436	153	43	�	�	PROPN
fsr-3436	153	44	0.1100	0.1100	NUM
fsr-3436	153	45	*	*	SYM
fsr-3436	153	46	(	(	PUNCT
fsr-3436	153	47	0.0034	0.0034	NUM
fsr-3436	153	48	)	)	PUNCT
fsr-3436	153	49	�	�	NOUN
fsr-3436	153	50	0.1037	0.1037	NUM
fsr-3436	153	51	*	*	SYM
fsr-3436	153	52	(	(	PUNCT
fsr-3436	153	53	0.0027	0.0027	NUM
fsr-3436	153	54	)	)	PUNCT
fsr-3436	153	55	0.2137	0.2137	NUM
fsr-3436	153	56	*	*	SYM
fsr-3436	153	57	(	(	PUNCT
fsr-3436	153	58	0.0054	0.0054	NUM
fsr-3436	153	59	)	)	PUNCT
fsr-3436	153	60	very	very	ADV
fsr-3436	153	61	good	good	ADJ
fsr-3436	153	62	�	�	NOUN
fsr-3436	153	63	0.1372	0.1372	NUM
fsr-3436	153	64	*	*	SYM
fsr-3436	153	65	(	(	PUNCT
fsr-3436	153	66	0.0035	0.0035	NUM
fsr-3436	153	67	)	)	PUNCT
fsr-3436	153	68	�	�	PROPN
fsr-3436	153	69	0.1676	0.1676	NUM
fsr-3436	153	70	*	*	SYM
fsr-3436	153	71	(	(	PUNCT
fsr-3436	153	72	0.0037	0.0037	NUM
fsr-3436	153	73	)	)	PUNCT
fsr-3436	153	74	0.3048	0.3048	NUM
fsr-3436	153	75	*	*	SYM
fsr-3436	153	76	(	(	PUNCT
fsr-3436	153	77	0.0061	0.0061	NUM
fsr-3436	153	78	)	)	PUNCT
fsr-3436	153	79	excellent	excellent	ADJ
fsr-3436	153	80	�	�	PROPN
fsr-3436	153	81	0.1492	0.1492	NUM
fsr-3436	153	82	*	*	PUNCT
fsr-3436	153	83	(	(	PUNCT
fsr-3436	153	84	0.0037	0.0037	NUM
fsr-3436	153	85	)	)	PUNCT
fsr-3436	153	86	�	�	NOUN
fsr-3436	153	87	0.2077	0.2077	NUM
fsr-3436	153	88	*	*	PUNCT
fsr-3436	153	89	(	(	PUNCT
fsr-3436	153	90	0.0059	0.0059	NUM
fsr-3436	153	91	)	)	PUNCT
fsr-3436	153	92	0.3569	0.3569	NUM
fsr-3436	153	93	*	*	SYM
fsr-3436	153	94	(	(	PUNCT
fsr-3436	153	95	0.0083	0.0083	NUM
fsr-3436	153	96	)	)	PUNCT
fsr-3436	153	97	male	male	NOUN
fsr-3436	153	98	(	(	PUNCT
fsr-3436	153	99	female	female	NOUN
fsr-3436	153	100	as	as	ADP
fsr-3436	153	101	base	base	NOUN
fsr-3436	153	102	outcome	outcome	NOUN
fsr-3436	153	103	)	)	PUNCT
fsr-3436	153	104	0.0008	0.0008	NUM
fsr-3436	153	105	(	(	PUNCT
fsr-3436	153	106	0.0021	0.0021	NUM
fsr-3436	153	107	)	)	PUNCT
fsr-3436	153	108	0.0013	0.0013	NUM
fsr-3436	153	109	(	(	PUNCT
fsr-3436	153	110	0.0029	0.0029	NUM
fsr-3436	153	111	)	)	PUNCT
fsr-3436	153	112	�	�	NOUN
fsr-3436	153	113	0.0022	0.0022	NUM
fsr-3436	153	114	(	(	PUNCT
fsr-3436	153	115	0.0052	0.0052	NUM
fsr-3436	153	116	)	)	PUNCT
fsr-3436	153	117	white	white	NOUN
fsr-3436	153	118	(	(	PUNCT
fsr-3436	153	119	non	non	ADJ
fsr-3436	153	120	-	-	ADJ
fsr-3436	153	121	white	white	ADJ
fsr-3436	153	122	as	as	ADP
fsr-3436	153	123	base	base	NOUN
fsr-3436	153	124	outcome	outcome	NOUN
fsr-3436	153	125	)	)	PUNCT
fsr-3436	153	126	�	�	VERB
fsr-3436	153	127	0.0277	0.0277	NUM
fsr-3436	153	128	*	*	PUNCT
fsr-3436	153	129	(	(	PUNCT
fsr-3436	153	130	0.0026	0.0026	NUM
fsr-3436	153	131	)	)	PUNCT
fsr-3436	153	132	�	�	PROPN
fsr-3436	153	133	0.0410	0.0410	NUM
fsr-3436	153	134	*	*	SYM
fsr-3436	153	135	(	(	PUNCT
fsr-3436	153	136	0.0038	0.0038	NUM
fsr-3436	153	137	)	)	PUNCT
fsr-3436	153	138	0.0687	0.0687	NUM
fsr-3436	153	139	*	*	SYM
fsr-3436	153	140	(	(	PUNCT
fsr-3436	153	141	0.0064	0.0064	NUM
fsr-3436	153	142	)	)	PUNCT
fsr-3436	153	143	married	married	ADJ
fsr-3436	153	144	(	(	PUNCT
fsr-3436	153	145	non	non	ADJ
fsr-3436	153	146	-	-	ADJ
fsr-3436	153	147	married	married	ADJ
fsr-3436	153	148	as	as	ADP
fsr-3436	153	149	base	base	NOUN
fsr-3436	153	150	outcome	outcome	NOUN
fsr-3436	153	151	)	)	PUNCT
fsr-3436	153	152	�	�	PROPN
fsr-3436	153	153	0.0307	0.0307	NUM
fsr-3436	153	154	*	*	SYM
fsr-3436	153	155	(	(	PUNCT
fsr-3436	153	156	0.0018	0.0018	NUM
fsr-3436	153	157	)	)	PUNCT
fsr-3436	153	158	�	�	NOUN
fsr-3436	153	159	0.0455	0.0455	NUM
fsr-3436	153	160	*	*	PUNCT
fsr-3436	153	161	(	(	PUNCT
fsr-3436	153	162	0.0026	0.0026	NUM
fsr-3436	153	163	)	)	PUNCT
fsr-3436	153	164	0.0762	0.0762	NUM
fsr-3436	153	165	*	*	SYM
fsr-3436	153	166	(	(	PUNCT
fsr-3436	153	167	0.0044	0.0044	NUM
fsr-3436	153	168	)	)	PUNCT
fsr-3436	153	169	education	education	NOUN
fsr-3436	153	170	�	�	PROPN
fsr-3436	153	171	0.0050	0.0050	NUM
fsr-3436	153	172	*	*	PROPN
fsr-3436	153	173	(	(	PUNCT
fsr-3436	153	174	0.0003	0.0003	NUM
fsr-3436	153	175	)	)	PUNCT
fsr-3436	153	176	�	�	PROPN
fsr-3436	153	177	0.0075	0.0075	NUM
fsr-3436	153	178	*	*	PUNCT
fsr-3436	153	179	(	(	PUNCT
fsr-3436	153	180	0.0005	0.0005	NUM
fsr-3436	153	181	)	)	PUNCT
fsr-3436	153	182	0.0125	0.0125	NUM
fsr-3436	153	183	*	*	PUNCT
fsr-3436	153	184	(	(	PUNCT
fsr-3436	153	185	0.0008	0.0008	NUM
fsr-3436	153	186	)	)	PUNCT
fsr-3436	153	187	age	age	NOUN
fsr-3436	153	188	�	�	NOUN
fsr-3436	153	189	0.0022	0.0022	NUM
fsr-3436	153	190	*	*	SYM
fsr-3436	153	191	(	(	PUNCT
fsr-3436	153	192	0.0001	0.0001	NUM
fsr-3436	153	193	)	)	PUNCT
fsr-3436	153	194	�	�	PROPN
fsr-3436	153	195	0.0032	0.0032	NUM
fsr-3436	153	196	*	*	SYM
fsr-3436	153	197	(	(	PUNCT
fsr-3436	153	198	0.0001	0.0001	NUM
fsr-3436	153	199	)	)	PUNCT
fsr-3436	153	200	0.0054	0.0054	NUM
fsr-3436	153	201	*	*	SYM
fsr-3436	153	202	(	(	PUNCT
fsr-3436	153	203	0.0002	0.0002	NUM
fsr-3436	153	204	)	)	PUNCT
fsr-3436	153	205	income	income	NOUN
fsr-3436	153	206	(	(	PUNCT
fsr-3436	153	207	10k	10k	NOUN
fsr-3436	153	208	)	)	PUNCT
fsr-3436	153	209	�	�	PROPN
fsr-3436	153	210	0.0006	0.0006	NUM
fsr-3436	153	211	*	*	PUNCT
fsr-3436	153	212	(	(	PUNCT
fsr-3436	153	213	0.0001	0.0001	NUM
fsr-3436	153	214	)	)	PUNCT
fsr-3436	153	215	�	�	PROPN
fsr-3436	153	216	0.0008	0.0008	NUM
fsr-3436	153	217	*	*	NOUN
fsr-3436	153	218	(	(	PUNCT
fsr-3436	153	219	0.0002	0.0002	NUM
fsr-3436	153	220	)	)	PUNCT
fsr-3436	153	221	0.0014	0.0014	NUM
fsr-3436	153	222	*	*	PUNCT
fsr-3436	153	223	(	(	PUNCT
fsr-3436	153	224	0.0003	0.0003	NUM
fsr-3436	153	225	)	)	PUNCT
fsr-3436	153	226	wealth	wealth	NOUN
fsr-3436	153	227	(	(	PUNCT
fsr-3436	153	228	10k	10k	NOUN
fsr-3436	153	229	)	)	PUNCT
fsr-3436	153	230	�	�	PROPN
fsr-3436	153	231	0.0001	0.0001	NUM
fsr-3436	153	232	*	*	PUNCT
fsr-3436	153	233	(	(	PUNCT
fsr-3436	153	234	0.0000	0.0000	NUM
fsr-3436	153	235	)	)	PUNCT
fsr-3436	153	236	�	�	PROPN
fsr-3436	153	237	0.0002	0.0002	NUM
fsr-3436	153	238	*	*	NOUN
fsr-3436	153	239	(	(	PUNCT
fsr-3436	153	240	0.0000	0.0000	NUM
fsr-3436	153	241	)	)	PUNCT
fsr-3436	153	242	0.0003	0.0003	NUM
fsr-3436	153	243	*	*	SYM
fsr-3436	153	244	(	(	PUNCT
fsr-3436	153	245	0.0001	0.0001	NUM
fsr-3436	153	246	)	)	PUNCT
fsr-3436	153	247	s&p	s&p	PROPN
fsr-3436	153	248	500	500	NUM
fsr-3436	153	249	returns	return	NOUN
fsr-3436	153	250	0.0002	0.0002	NUM
fsr-3436	153	251	*	*	SYM
fsr-3436	153	252	(	(	PUNCT
fsr-3436	153	253	0.0000	0.0000	NUM
fsr-3436	153	254	)	)	PUNCT
fsr-3436	153	255	�	�	PROPN
fsr-3436	153	256	0.0003	0.0003	NUM
fsr-3436	153	257	*	*	SYM
fsr-3436	153	258	(	(	PUNCT
fsr-3436	153	259	0.0000	0.0000	NUM
fsr-3436	153	260	)	)	PUNCT
fsr-3436	153	261	�	�	NOUN
fsr-3436	153	262	0.0004	0.0004	NUM
fsr-3436	153	263	*	*	NOUN
fsr-3436	153	264	(	(	PUNCT
fsr-3436	153	265	0.0000	0.0000	NUM
fsr-3436	153	266	)	)	PUNCT
fsr-3436	153	267	note	note	NOUN
fsr-3436	153	268	:	:	PUNCT
fsr-3436	153	269	probit	probit	NOUN
fsr-3436	153	270	model	model	NOUN
fsr-3436	153	271	with	with	ADP
fsr-3436	153	272	random	random	ADJ
fsr-3436	153	273	effects	effect	NOUN
fsr-3436	153	274	.	.	PUNCT
fsr-3436	154	1	significance	significance	NOUN
fsr-3436	154	2	is	be	AUX
fsr-3436	154	3	defined	define	VERB
fsr-3436	154	4	as	as	SCONJ
fsr-3436	154	5	follows	follow	VERB
fsr-3436	154	6	:	:	PUNCT
fsr-3436	154	7	*	*	PUNCT
fsr-3436	154	8	significant	significant	ADJ
fsr-3436	154	9	at	at	ADP
fsr-3436	154	10	the	the	DET
fsr-3436	154	11	one	one	NUM
fsr-3436	154	12	-	-	PUNCT
fsr-3436	154	13	percent	percent	NOUN
fsr-3436	154	14	level	level	NOUN
fsr-3436	154	15	.	.	PUNCT
fsr-3436	155	1	wealth	wealth	NOUN
fsr-3436	155	2	and	and	CCONJ
fsr-3436	155	3	income	income	NOUN
fsr-3436	155	4	means	mean	NOUN
fsr-3436	155	5	and	and	CCONJ
fsr-3436	155	6	standard	standard	ADJ
fsr-3436	155	7	errors	error	NOUN
fsr-3436	155	8	reported	report	VERB
fsr-3436	155	9	in	in	ADP
fsr-3436	155	10	$	$	SYM
fsr-3436	155	11	10,000s	10,000s	NUM
fsr-3436	155	12	.	.	PUNCT
fsr-3436	156	1	n	n	NOUN
fsr-3436	156	2	=	=	SYM
fsr-3436	156	3	59,404	59,404	NUM
fsr-3436	156	4	observations	observation	NOUN
fsr-3436	156	5	from	from	ADP
fsr-3436	156	6	17,672	17,672	NUM
fsr-3436	156	7	retirees	retiree	NOUN
fsr-3436	156	8	.	.	PUNCT
fsr-3436	157	1	348	348	NUM
fsr-3436	157	2	b.	b.	PROPN
fsr-3436	157	3	pearson	pearson	PROPN
fsr-3436	157	4	,	,	PUNCT
fsr-3436	157	5	m.	m.	NOUN
fsr-3436	157	6	guillemette	guillemette	NOUN
fsr-3436	157	7	/	/	SYM
fsr-3436	157	8	financial	financial	ADJ
fsr-3436	157	9	services	service	NOUN
fsr-3436	157	10	review	review	VERB
fsr-3436	157	11	28	28	NUM
fsr-3436	157	12	(	(	PUNCT
fsr-3436	157	13	2020	2020	NUM
fsr-3436	157	14	)	)	PUNCT
fsr-3436	158	1	341–350	341–350	NUM
fsr-3436	158	2	retirement	retirement	NOUN
fsr-3436	158	3	stage	stage	NOUN
fsr-3436	158	4	of	of	ADP
fsr-3436	158	5	the	the	DET
fsr-3436	158	6	lifecycle	lifecycle	NOUN
fsr-3436	158	7	.	.	PUNCT
fsr-3436	159	1	instead	instead	ADV
fsr-3436	159	2	,	,	PUNCT
fsr-3436	159	3	retirees	retiree	NOUN
fsr-3436	159	4	should	should	AUX
fsr-3436	159	5	decide	decide	VERB
fsr-3436	159	6	how	how	SCONJ
fsr-3436	159	7	much	much	ADJ
fsr-3436	159	8	variation	variation	NOUN
fsr-3436	159	9	in	in	ADP
fsr-3436	159	10	asset	asset	NOUN
fsr-3436	159	11	returns	return	NOUN
fsr-3436	159	12	and	and	CCONJ
fsr-3436	159	13	consumption	consumption	NOUN
fsr-3436	159	14	they	they	PRON
fsr-3436	159	15	are	be	AUX
fsr-3436	159	16	willing	willing	ADJ
fsr-3436	159	17	to	to	PART
fsr-3436	159	18	accept	accept	VERB
fsr-3436	159	19	for	for	ADP
fsr-3436	159	20	a	a	DET
fsr-3436	159	21	given	give	VERB
fsr-3436	159	22	level	level	NOUN
fsr-3436	159	23	of	of	ADP
fsr-3436	159	24	risk	risk	NOUN
fsr-3436	159	25	.	.	PUNCT
fsr-3436	160	1	if	if	SCONJ
fsr-3436	160	2	retirees	retiree	NOUN
fsr-3436	160	3	reduce	reduce	VERB
fsr-3436	160	4	the	the	DET
fsr-3436	160	5	ratio	ratio	NOUN
fsr-3436	160	6	of	of	ADP
fsr-3436	160	7	stocks	stock	NOUN
fsr-3436	160	8	held	hold	VERB
fsr-3436	160	9	relative	relative	ADJ
fsr-3436	160	10	to	to	ADP
fsr-3436	160	11	total	total	ADJ
fsr-3436	160	12	financial	financial	ADJ
fsr-3436	160	13	assets	asset	NOUN
fsr-3436	160	14	,	,	PUNCT
fsr-3436	160	15	it	it	PRON
fsr-3436	160	16	may	may	AUX
fsr-3436	160	17	decrease	decrease	VERB
fsr-3436	160	18	retirement	retirement	NOUN
fsr-3436	160	19	satisfaction	satisfaction	NOUN
fsr-3436	160	20	.	.	PUNCT
fsr-3436	161	1	on	on	ADP
fsr-3436	161	2	the	the	DET
fsr-3436	161	3	other	other	ADJ
fsr-3436	161	4	hand	hand	NOUN
fsr-3436	161	5	,	,	PUNCT
fsr-3436	161	6	assuming	assume	VERB
fsr-3436	161	7	a	a	DET
fsr-3436	161	8	retiree	retiree	NOUN
fsr-3436	161	9	is	be	AUX
fsr-3436	161	10	willing	willing	ADJ
fsr-3436	161	11	to	to	PART
fsr-3436	161	12	accept	accept	VERB
fsr-3436	161	13	the	the	DET
fsr-3436	161	14	risk	risk	NOUN
fsr-3436	161	15	of	of	ADP
fsr-3436	161	16	higher	high	ADJ
fsr-3436	161	17	return	return	NOUN
fsr-3436	161	18	variation	variation	NOUN
fsr-3436	161	19	,	,	PUNCT
fsr-3436	161	20	increasing	increase	VERB
fsr-3436	161	21	the	the	DET
fsr-3436	161	22	ratio	ratio	NOUN
fsr-3436	161	23	of	of	ADP
fsr-3436	161	24	stocks	stock	NOUN
fsr-3436	161	25	in	in	ADP
fsr-3436	161	26	a	a	DET
fsr-3436	161	27	portfolio	portfolio	NOUN
fsr-3436	161	28	may	may	AUX
fsr-3436	161	29	increase	increase	VERB
fsr-3436	161	30	income	income	NOUN
fsr-3436	161	31	for	for	ADP
fsr-3436	161	32	consumption	consumption	NOUN
fsr-3436	161	33	and	and	CCONJ
fsr-3436	161	34	enhance	enhance	VERB
fsr-3436	161	35	satisfaction	satisfaction	NOUN
fsr-3436	161	36	in	in	ADP
fsr-3436	161	37	retirement	retirement	NOUN
fsr-3436	161	38	.	.	PUNCT
fsr-3436	162	1	it	it	PRON
fsr-3436	162	2	is	be	AUX
fsr-3436	162	3	important	important	ADJ
fsr-3436	162	4	to	to	PART
fsr-3436	162	5	note	note	VERB
fsr-3436	162	6	that	that	SCONJ
fsr-3436	162	7	there	there	PRON
fsr-3436	162	8	is	be	VERB
fsr-3436	162	9	a	a	DET
fsr-3436	162	10	potential	potential	ADJ
fsr-3436	162	11	downside	downside	NOUN
fsr-3436	162	12	to	to	ADP
fsr-3436	162	13	increasing	increase	VERB
fsr-3436	162	14	portfolio	portfolio	NOUN
fsr-3436	162	15	risk	risk	NOUN
fsr-3436	162	16	for	for	ADP
fsr-3436	162	17	a	a	DET
fsr-3436	162	18	retiree	retiree	NOUN
fsr-3436	162	19	to	to	PART
fsr-3436	162	20	achieve	achieve	VERB
fsr-3436	162	21	higher	high	ADJ
fsr-3436	162	22	future	future	ADJ
fsr-3436	162	23	returns	return	NOUN
fsr-3436	162	24	.	.	PUNCT
fsr-3436	163	1	higher	high	ADJ
fsr-3436	163	2	portfolio	portfolio	NOUN
fsr-3436	163	3	risk	risk	NOUN
fsr-3436	163	4	should	should	AUX
fsr-3436	163	5	theoretically	theoretically	ADV
fsr-3436	163	6	increase	increase	VERB
fsr-3436	163	7	asset	asset	NOUN
fsr-3436	163	8	return	return	NOUN
fsr-3436	163	9	variation	variation	NOUN
fsr-3436	163	10	,	,	PUNCT
fsr-3436	163	11	which	which	PRON
fsr-3436	163	12	may	may	AUX
fsr-3436	163	13	lead	lead	VERB
fsr-3436	163	14	to	to	ADP
fsr-3436	163	15	greater	great	ADJ
fsr-3436	163	16	uncertainty	uncertainty	NOUN
fsr-3436	163	17	about	about	ADP
fsr-3436	163	18	consumption	consumption	NOUN
fsr-3436	163	19	outcomes	outcome	NOUN
fsr-3436	163	20	in	in	ADP
fsr-3436	163	21	the	the	DET
fsr-3436	163	22	future	future	NOUN
fsr-3436	163	23	.	.	PUNCT
fsr-3436	164	1	enhancing	enhance	VERB
fsr-3436	164	2	portfolio	portfolio	NOUN
fsr-3436	164	3	risk	risk	NOUN
fsr-3436	164	4	may	may	AUX
fsr-3436	164	5	be	be	AUX
fsr-3436	164	6	a	a	DET
fsr-3436	164	7	satisfactory	satisfactory	ADJ
fsr-3436	164	8	investment	investment	NOUN
fsr-3436	164	9	solution	solution	NOUN
fsr-3436	164	10	if	if	SCONJ
fsr-3436	164	11	a	a	DET
fsr-3436	164	12	retiree	retiree	NOUN
fsr-3436	164	13	is	be	AUX
fsr-3436	164	14	willing	willing	ADJ
fsr-3436	164	15	to	to	PART
fsr-3436	164	16	accept	accept	VERB
fsr-3436	164	17	the	the	DET
fsr-3436	164	18	possibility	possibility	NOUN
fsr-3436	164	19	of	of	ADP
fsr-3436	164	20	higher	high	ADJ
fsr-3436	164	21	consumption	consumption	NOUN
fsr-3436	164	22	uncertainty	uncertainty	NOUN
fsr-3436	164	23	in	in	ADP
fsr-3436	164	24	exchange	exchange	NOUN
fsr-3436	164	25	for	for	ADP
fsr-3436	164	26	the	the	DET
fsr-3436	164	27	potential	potential	NOUN
fsr-3436	164	28	for	for	ADP
fsr-3436	164	29	higher	high	ADJ
fsr-3436	164	30	returns	return	NOUN
fsr-3436	164	31	.	.	PUNCT
fsr-3436	165	1	however	however	ADV
fsr-3436	165	2	,	,	PUNCT
fsr-3436	165	3	if	if	SCONJ
fsr-3436	165	4	a	a	DET
fsr-3436	165	5	retiree	retiree	NOUN
fsr-3436	165	6	is	be	AUX
fsr-3436	165	7	not	not	PART
fsr-3436	165	8	willing	willing	ADJ
fsr-3436	165	9	to	to	PART
fsr-3436	165	10	bear	bear	VERB
fsr-3436	165	11	additional	additional	ADJ
fsr-3436	165	12	portfolio	portfolio	NOUN
fsr-3436	165	13	risk	risk	NOUN
fsr-3436	165	14	for	for	ADP
fsr-3436	165	15	greater	great	ADJ
fsr-3436	165	16	return	return	NOUN
fsr-3436	165	17	potential	potential	NOUN
fsr-3436	165	18	in	in	ADP
fsr-3436	165	19	the	the	DET
fsr-3436	165	20	future	future	NOUN
fsr-3436	165	21	,	,	PUNCT
fsr-3436	165	22	then	then	ADV
fsr-3436	165	23	an	an	DET
fsr-3436	165	24	increase	increase	NOUN
fsr-3436	165	25	in	in	ADP
fsr-3436	165	26	portfolio	portfolio	NOUN
fsr-3436	165	27	risk	risk	NOUN
fsr-3436	165	28	may	may	AUX
fsr-3436	165	29	not	not	PART
fsr-3436	165	30	be	be	AUX
fsr-3436	165	31	appropriate	appropriate	ADJ
fsr-3436	165	32	.	.	PUNCT
fsr-3436	166	1	it	it	PRON
fsr-3436	166	2	is	be	AUX
fsr-3436	166	3	important	important	ADJ
fsr-3436	166	4	for	for	ADP
fsr-3436	166	5	retirees	retiree	NOUN
fsr-3436	166	6	,	,	PUNCT
fsr-3436	166	7	and	and	CCONJ
fsr-3436	166	8	their	their	PRON
fsr-3436	166	9	financial	financial	ADJ
fsr-3436	166	10	planners	planner	NOUN
fsr-3436	166	11	,	,	PUNCT
fsr-3436	166	12	to	to	PART
fsr-3436	166	13	consider	consider	VERB
fsr-3436	166	14	risk	risk	NOUN
fsr-3436	166	15	tolerance	tolerance	NOUN
fsr-3436	166	16	when	when	SCONJ
fsr-3436	166	17	making	make	VERB
fsr-3436	166	18	investment	investment	NOUN
fsr-3436	166	19	decisions	decision	NOUN
fsr-3436	166	20	.	.	PUNCT
fsr-3436	167	1	in	in	ADP
fsr-3436	167	2	this	this	DET
fsr-3436	167	3	study	study	NOUN
fsr-3436	167	4	,	,	PUNCT
fsr-3436	167	5	we	we	PRON
fsr-3436	167	6	only	only	ADV
fsr-3436	167	7	consider	consider	VERB
fsr-3436	167	8	objective	objective	ADJ
fsr-3436	167	9	risk	risk	NOUN
fsr-3436	167	10	preferences	preference	NOUN
fsr-3436	167	11	in	in	ADP
fsr-3436	167	12	our	our	PRON
fsr-3436	167	13	analyses	analysis	NOUN
fsr-3436	167	14	.	.	PUNCT
fsr-3436	168	1	future	future	ADJ
fsr-3436	168	2	studies	study	NOUN
fsr-3436	168	3	should	should	AUX
fsr-3436	168	4	explore	explore	VERB
fsr-3436	168	5	whether	whether	SCONJ
fsr-3436	168	6	controlling	control	VERB
fsr-3436	168	7	for	for	ADP
fsr-3436	168	8	subjective	subjective	ADJ
fsr-3436	168	9	risk	risk	NOUN
fsr-3436	168	10	preferences	preference	NOUN
fsr-3436	168	11	alters	alter	VERB
fsr-3436	168	12	the	the	DET
fsr-3436	168	13	association	association	NOUN
fsr-3436	168	14	between	between	ADP
fsr-3436	168	15	stockholding	stockholding	NOUN
fsr-3436	168	16	and	and	CCONJ
fsr-3436	168	17	retirement	retirement	NOUN
fsr-3436	168	18	satisfaction	satisfaction	NOUN
fsr-3436	168	19	.	.	PUNCT
fsr-3436	169	1	notes	note	VERB
fsr-3436	169	2	1	1	NUM
fsr-3436	169	3	health	health	NOUN
fsr-3436	169	4	and	and	CCONJ
fsr-3436	169	5	retirement	retirement	NOUN
fsr-3436	169	6	study	study	NOUN
fsr-3436	169	7	,	,	PUNCT
fsr-3436	169	8	(	(	PUNCT
fsr-3436	169	9	rand	rand	NOUN
fsr-3436	169	10	hrs	hrs	NOUN
fsr-3436	169	11	2014	2014	NUM
fsr-3436	169	12	fat	fat	NOUN
fsr-3436	169	13	file	file	NOUN
fsr-3436	169	14	(	(	PUNCT
fsr-3436	169	15	v2a	v2a	NOUN
fsr-3436	169	16	)	)	PUNCT
fsr-3436	169	17	)	)	PUNCT
fsr-3436	169	18	public	public	ADJ
fsr-3436	169	19	use	use	NOUN
fsr-3436	169	20	dataset	dataset	NOUN
fsr-3436	169	21	.	.	PUNCT
fsr-3436	170	1	produced	produce	VERB
fsr-3436	170	2	and	and	CCONJ
fsr-3436	170	3	distributed	distribute	VERB
fsr-3436	170	4	by	by	ADP
fsr-3436	170	5	the	the	DET
fsr-3436	170	6	university	university	PROPN
fsr-3436	170	7	of	of	ADP
fsr-3436	170	8	michigan	michigan	PROPN
fsr-3436	170	9	with	with	ADP
fsr-3436	170	10	funding	funding	NOUN
fsr-3436	170	11	from	from	ADP
fsr-3436	170	12	the	the	DET
fsr-3436	170	13	national	national	PROPN
fsr-3436	170	14	institute	institute	PROPN
fsr-3436	170	15	on	on	ADP
fsr-3436	170	16	aging	age	VERB
fsr-3436	170	17	(	(	PUNCT
fsr-3436	170	18	grant	grant	NOUN
fsr-3436	170	19	number	number	NOUN
fsr-3436	170	20	nia	nia	PROPN
fsr-3436	170	21	u01ag009740	u01ag009740	PROPN
fsr-3436	170	22	)	)	PUNCT
fsr-3436	170	23	.	.	PUNCT
fsr-3436	171	1	ann	ann	PROPN
fsr-3436	171	2	arbor	arbor	PROPN
fsr-3436	171	3	,	,	PUNCT
fsr-3436	171	4	mi	mi	PROPN
fsr-3436	171	5	,	,	PUNCT
fsr-3436	171	6	(	(	PUNCT
fsr-3436	171	7	2018	2018	NUM
fsr-3436	171	8	)	)	PUNCT
fsr-3436	171	9	.	.	PUNCT
fsr-3436	172	1	2	2	NUM
fsr-3436	172	2	rand	rand	NOUN
fsr-3436	172	3	hrs	hrs	NOUN
fsr-3436	172	4	2014	2014	NUM
fsr-3436	172	5	fat	fat	NOUN
fsr-3436	172	6	file	file	NOUN
fsr-3436	172	7	(	(	PUNCT
fsr-3436	172	8	v2a	v2a	NOUN
fsr-3436	172	9	)	)	PUNCT
fsr-3436	172	10	.	.	PUNCT
fsr-3436	173	1	produced	produce	VERB
fsr-3436	173	2	by	by	ADP
fsr-3436	173	3	the	the	DET
fsr-3436	173	4	rand	rand	NOUN
fsr-3436	173	5	center	center	NOUN
fsr-3436	173	6	for	for	ADP
fsr-3436	173	7	the	the	DET
fsr-3436	173	8	study	study	NOUN
fsr-3436	173	9	of	of	ADP
fsr-3436	173	10	aging	aging	NOUN
fsr-3436	173	11	,	,	PUNCT
fsr-3436	173	12	with	with	ADP
fsr-3436	173	13	funding	funding	NOUN
fsr-3436	173	14	from	from	ADP
fsr-3436	173	15	the	the	DET
fsr-3436	173	16	national	national	PROPN
fsr-3436	173	17	institute	institute	PROPN
fsr-3436	173	18	on	on	ADP
fsr-3436	173	19	aging	aging	NOUN
fsr-3436	173	20	and	and	CCONJ
fsr-3436	173	21	the	the	DET
fsr-3436	173	22	social	social	ADJ
fsr-3436	173	23	security	security	NOUN
fsr-3436	173	24	administration	administration	NOUN
fsr-3436	173	25	.	.	PUNCT
fsr-3436	174	1	santa	santa	PROPN
fsr-3436	174	2	monica	monica	PROPN
fsr-3436	174	3	,	,	PUNCT
fsr-3436	174	4	ca	can	AUX
fsr-3436	174	5	(	(	PUNCT
fsr-3436	174	6	2018	2018	NUM
fsr-3436	174	7	)	)	PUNCT
fsr-3436	174	8	.	.	PUNCT
fsr-3436	175	1	references	reference	NOUN
fsr-3436	175	2	bachmann	bachmann	PROPN
fsr-3436	175	3	,	,	PUNCT
fsr-3436	175	4	k.	k.	PROPN
fsr-3436	175	5	,	,	PUNCT
fsr-3436	175	6	hens	hen	NOUN
fsr-3436	175	7	,	,	PUNCT
fsr-3436	175	8	t.	t.	PROPN
fsr-3436	175	9	,	,	PUNCT
fsr-3436	175	10	&	&	CCONJ
fsr-3436	175	11	stössel	stössel	PROPN
fsr-3436	175	12	,	,	PUNCT
fsr-3436	175	13	r.	r.	PROPN
fsr-3436	175	14	(	(	PUNCT
fsr-3436	175	15	2017	2017	NUM
fsr-3436	175	16	)	)	PUNCT
fsr-3436	175	17	.	.	PUNCT
fsr-3436	176	1	which	which	DET
fsr-3436	176	2	measures	measure	NOUN
fsr-3436	176	3	predict	predict	VERB
fsr-3436	176	4	risk	risk	NOUN
fsr-3436	176	5	taking	take	VERB
fsr-3436	176	6	in	in	ADP
fsr-3436	176	7	a	a	DET
fsr-3436	176	8	multi	multi	ADJ
fsr-3436	176	9	-	-	ADJ
fsr-3436	176	10	stage	stage	ADJ
fsr-3436	176	11	controlled	control	VERB
fsr-3436	176	12	investment	investment	NOUN
fsr-3436	176	13	decision	decision	NOUN
fsr-3436	176	14	process	process	NOUN
fsr-3436	176	15	.	.	PUNCT
fsr-3436	177	1	financial	financial	ADJ
fsr-3436	177	2	services	service	NOUN
fsr-3436	177	3	review	review	PROPN
fsr-3436	177	4	,	,	PUNCT
fsr-3436	177	5	26	26	NUM
fsr-3436	177	6	,	,	PUNCT
fsr-3436	177	7	339–365	339–365	NUM
fsr-3436	177	8	.	.	PUNCT
fsr-3436	178	1	barfield	barfield	PROPN
fsr-3436	178	2	,	,	PUNCT
fsr-3436	178	3	r.	r.	PROPN
fsr-3436	178	4	e.	e.	PROPN
fsr-3436	178	5	,	,	PUNCT
fsr-3436	178	6	&	&	CCONJ
fsr-3436	178	7	morgan	morgan	PROPN
fsr-3436	178	8	,	,	PUNCT
fsr-3436	178	9	j.	j.	PROPN
fsr-3436	178	10	n.	n.	PROPN
fsr-3436	178	11	(	(	PUNCT
fsr-3436	178	12	1978	1978	NUM
fsr-3436	178	13	)	)	PUNCT
fsr-3436	178	14	.	.	PUNCT
fsr-3436	179	1	trends	trend	NOUN
fsr-3436	179	2	in	in	ADP
fsr-3436	179	3	satisfaction	satisfaction	NOUN
fsr-3436	179	4	with	with	ADP
fsr-3436	179	5	retirement	retirement	NOUN
fsr-3436	179	6	.	.	PUNCT
fsr-3436	180	1	the	the	DET
fsr-3436	180	2	gerontologist	gerontologist	NOUN
fsr-3436	180	3	,	,	PUNCT
fsr-3436	180	4	18	18	NUM
fsr-3436	180	5	,	,	PUNCT
fsr-3436	180	6	19–23	19–23	NUM
fsr-3436	180	7	.	.	PUNCT
fsr-3436	180	8	bellante	bellante	PROPN
fsr-3436	180	9	,	,	PUNCT
fsr-3436	180	10	d.	d.	PROPN
fsr-3436	180	11	,	,	PUNCT
fsr-3436	180	12	&	&	CCONJ
fsr-3436	180	13	green	green	PROPN
fsr-3436	180	14	,	,	PUNCT
fsr-3436	180	15	c.	c.	PROPN
fsr-3436	180	16	a.	a.	PROPN
fsr-3436	180	17	(	(	PUNCT
fsr-3436	180	18	2004	2004	NUM
fsr-3436	180	19	)	)	PUNCT
fsr-3436	180	20	.	.	PUNCT
fsr-3436	181	1	relative	relative	ADJ
fsr-3436	181	2	risk	risk	NOUN
fsr-3436	181	3	aversion	aversion	NOUN
fsr-3436	181	4	among	among	ADP
fsr-3436	181	5	the	the	DET
fsr-3436	181	6	elderly	elderly	ADJ
fsr-3436	181	7	.	.	PUNCT
fsr-3436	182	1	review	review	NOUN
fsr-3436	182	2	of	of	ADP
fsr-3436	182	3	financial	financial	ADJ
fsr-3436	182	4	economics	economic	NOUN
fsr-3436	182	5	,	,	PUNCT
fsr-3436	182	6	13	13	NUM
fsr-3436	182	7	,	,	PUNCT
fsr-3436	182	8	269–281	269–281	NUM
fsr-3436	182	9	.	.	PUNCT
fsr-3436	182	10	bonin	bonin	PROPN
fsr-3436	182	11	,	,	PUNCT
fsr-3436	182	12	h.	h.	PROPN
fsr-3436	182	13	,	,	PUNCT
fsr-3436	182	14	dohmen	dohman	NOUN
fsr-3436	182	15	,	,	PUNCT
fsr-3436	182	16	t.	t.	PROPN
fsr-3436	182	17	,	,	PUNCT
fsr-3436	182	18	falk	falk	NOUN
fsr-3436	182	19	,	,	PUNCT
fsr-3436	182	20	a.	a.	PROPN
fsr-3436	182	21	,	,	PUNCT
fsr-3436	182	22	huffman	huffman	PROPN
fsr-3436	182	23	,	,	PUNCT
fsr-3436	182	24	d.	d.	PROPN
fsr-3436	182	25	,	,	PUNCT
fsr-3436	182	26	&	&	CCONJ
fsr-3436	182	27	sunde	sunde	PROPN
fsr-3436	182	28	,	,	PUNCT
fsr-3436	182	29	u.	u.	PROPN
fsr-3436	182	30	(	(	PUNCT
fsr-3436	182	31	2007	2007	NUM
fsr-3436	182	32	)	)	PUNCT
fsr-3436	182	33	.	.	PUNCT
fsr-3436	183	1	cross	cross	ADJ
fsr-3436	183	2	-	-	ADJ
fsr-3436	183	3	sectional	sectional	ADJ
fsr-3436	183	4	earnings	earning	NOUN
fsr-3436	183	5	risk	risk	NOUN
fsr-3436	183	6	and	and	CCONJ
fsr-3436	183	7	occupational	occupational	ADJ
fsr-3436	183	8	sorting	sorting	NOUN
fsr-3436	183	9	:	:	PUNCT
fsr-3436	183	10	the	the	DET
fsr-3436	183	11	role	role	NOUN
fsr-3436	183	12	of	of	ADP
fsr-3436	183	13	risk	risk	NOUN
fsr-3436	183	14	attitudes	attitude	NOUN
fsr-3436	183	15	.	.	PUNCT
fsr-3436	184	1	labour	labour	ADJ
fsr-3436	184	2	economics	economic	NOUN
fsr-3436	184	3	,	,	PUNCT
fsr-3436	184	4	14	14	NUM
fsr-3436	184	5	,	,	PUNCT
fsr-3436	184	6	926–937	926–937	NUM
fsr-3436	184	7	.	.	PUNCT
fsr-3436	185	1	bouchey	bouchey	PROPN
fsr-3436	185	2	,	,	PUNCT
fsr-3436	185	3	p.	p.	NOUN
fsr-3436	185	4	(	(	PUNCT
fsr-3436	185	5	2004	2004	NUM
fsr-3436	185	6	)	)	PUNCT
fsr-3436	185	7	.	.	PUNCT
fsr-3436	186	1	questionnaire	questionnaire	NOUN
fsr-3436	186	2	quest	quest	NOUN
fsr-3436	186	3	.	.	PUNCT
fsr-3436	187	1	financial	financial	ADJ
fsr-3436	187	2	planning	planning	NOUN
fsr-3436	187	3	,	,	PUNCT
fsr-3436	187	4	34	34	NUM
fsr-3436	187	5	,	,	PUNCT
fsr-3436	187	6	97–99	97–99	NUM
fsr-3436	187	7	.	.	PUNCT
fsr-3436	188	1	chen	chen	PROPN
fsr-3436	188	2	,	,	PUNCT
fsr-3436	188	3	j.	j.	PROPN
fsr-3436	188	4	,	,	PUNCT
fsr-3436	188	5	zhu	zhu	PROPN
fsr-3436	188	6	,	,	PUNCT
fsr-3436	188	7	z.	z.	PROPN
fsr-3436	188	8	,	,	PUNCT
fsr-3436	188	9	&	&	CCONJ
fsr-3436	188	10	yuan	yuan	PROPN
fsr-3436	188	11	xie	xie	PROPN
fsr-3436	188	12	,	,	PUNCT
fsr-3436	188	13	h.	h.	PROPN
fsr-3436	188	14	(	(	PUNCT
fsr-3436	188	15	2004	2004	NUM
fsr-3436	188	16	)	)	PUNCT
fsr-3436	188	17	.	.	PUNCT
fsr-3436	189	1	measuring	measure	VERB
fsr-3436	189	2	intellectual	intellectual	ADJ
fsr-3436	189	3	capital	capital	NOUN
fsr-3436	189	4	:	:	PUNCT
fsr-3436	189	5	a	a	DET
fsr-3436	189	6	new	new	ADJ
fsr-3436	189	7	model	model	NOUN
fsr-3436	189	8	and	and	CCONJ
fsr-3436	189	9	empirical	empirical	ADJ
fsr-3436	189	10	study	study	NOUN
fsr-3436	189	11	.	.	PUNCT
fsr-3436	190	1	journal	journal	PROPN
fsr-3436	190	2	of	of	ADP
fsr-3436	190	3	intellectual	intellectual	ADJ
fsr-3436	190	4	capital	capital	NOUN
fsr-3436	190	5	,	,	PUNCT
fsr-3436	190	6	5	5	NUM
fsr-3436	190	7	,	,	PUNCT
fsr-3436	190	8	195–212	195–212	NUM
fsr-3436	190	9	.	.	PUNCT
fsr-3436	191	1	cordell	cordell	PROPN
fsr-3436	191	2	,	,	PUNCT
fsr-3436	191	3	d.	d.	PROPN
fsr-3436	191	4	m.	m.	PROPN
fsr-3436	191	5	(	(	PUNCT
fsr-3436	191	6	2002	2002	NUM
fsr-3436	191	7	)	)	PUNCT
fsr-3436	191	8	.	.	PUNCT
fsr-3436	192	1	risk	risk	NOUN
fsr-3436	192	2	tolerance	tolerance	NOUN
fsr-3436	192	3	in	in	ADP
fsr-3436	192	4	two	two	NUM
fsr-3436	192	5	dimensions	dimension	NOUN
fsr-3436	192	6	.	.	PUNCT
fsr-3436	193	1	journal	journal	NOUN
fsr-3436	193	2	of	of	ADP
fsr-3436	193	3	financial	financial	ADJ
fsr-3436	193	4	planning	planning	NOUN
fsr-3436	193	5	,	,	PUNCT
fsr-3436	193	6	15	15	NUM
fsr-3436	193	7	,	,	PUNCT
fsr-3436	193	8	30	30	NUM
fsr-3436	193	9	.	.	PUNCT
fsr-3436	194	1	corter	corter	PROPN
fsr-3436	194	2	,	,	PUNCT
fsr-3436	194	3	j.	j.	PROPN
fsr-3436	194	4	e.	e.	PROPN
fsr-3436	194	5	,	,	PUNCT
fsr-3436	194	6	&	&	CCONJ
fsr-3436	194	7	chen	chen	PROPN
fsr-3436	194	8	,	,	PUNCT
fsr-3436	194	9	y.	y.	PROPN
fsr-3436	194	10	j.	j.	PROPN
fsr-3436	194	11	(	(	PUNCT
fsr-3436	194	12	2006	2006	NUM
fsr-3436	194	13	)	)	PUNCT
fsr-3436	194	14	.	.	PUNCT
fsr-3436	195	1	do	do	AUX
fsr-3436	195	2	investment	investment	NOUN
fsr-3436	195	3	risk	risk	NOUN
fsr-3436	195	4	tolerance	tolerance	NOUN
fsr-3436	195	5	attitudes	attitude	NOUN
fsr-3436	195	6	predict	predict	VERB
fsr-3436	195	7	portfolio	portfolio	NOUN
fsr-3436	195	8	risk	risk	NOUN
fsr-3436	195	9	?	?	PUNCT
fsr-3436	196	1	journal	journal	NOUN
fsr-3436	196	2	of	of	ADP
fsr-3436	196	3	business	business	NOUN
fsr-3436	196	4	and	and	CCONJ
fsr-3436	196	5	psychology	psychology	NOUN
fsr-3436	196	6	,	,	PUNCT
fsr-3436	196	7	20	20	NUM
fsr-3436	196	8	,	,	PUNCT
fsr-3436	196	9	369	369	NUM
fsr-3436	196	10	.	.	PUNCT
fsr-3436	197	1	diener	diener	PROPN
fsr-3436	197	2	,	,	PUNCT
fsr-3436	197	3	e.	e.	PROPN
fsr-3436	197	4	,	,	PUNCT
fsr-3436	197	5	ng	ng	PROPN
fsr-3436	197	6	,	,	PUNCT
fsr-3436	197	7	w.	w.	PROPN
fsr-3436	197	8	,	,	PUNCT
fsr-3436	197	9	harter	harter	PROPN
fsr-3436	197	10	,	,	PUNCT
fsr-3436	197	11	j.	j.	PROPN
fsr-3436	197	12	,	,	PUNCT
fsr-3436	197	13	&	&	CCONJ
fsr-3436	197	14	arora	arora	PROPN
fsr-3436	197	15	,	,	PUNCT
fsr-3436	197	16	r.	r.	PROPN
fsr-3436	197	17	(	(	PUNCT
fsr-3436	197	18	2010	2010	NUM
fsr-3436	197	19	)	)	PUNCT
fsr-3436	197	20	.	.	PUNCT
fsr-3436	198	1	wealth	wealth	NOUN
fsr-3436	198	2	and	and	CCONJ
fsr-3436	198	3	happiness	happiness	NOUN
fsr-3436	198	4	across	across	ADP
fsr-3436	198	5	the	the	DET
fsr-3436	198	6	world	world	NOUN
fsr-3436	198	7	:	:	PUNCT
fsr-3436	198	8	material	material	NOUN
fsr-3436	198	9	prosperity	prosperity	NOUN
fsr-3436	198	10	predicts	predict	VERB
fsr-3436	198	11	life	life	NOUN
fsr-3436	198	12	evaluation	evaluation	NOUN
fsr-3436	198	13	,	,	PUNCT
fsr-3436	198	14	whereas	whereas	SCONJ
fsr-3436	198	15	psychosocial	psychosocial	ADJ
fsr-3436	198	16	prosperity	prosperity	NOUN
fsr-3436	198	17	predicts	predict	VERB
fsr-3436	198	18	positive	positive	ADJ
fsr-3436	198	19	feeling	feeling	NOUN
fsr-3436	198	20	.	.	PUNCT
fsr-3436	199	1	journal	journal	NOUN
fsr-3436	199	2	of	of	ADP
fsr-3436	199	3	personality	personality	NOUN
fsr-3436	199	4	and	and	CCONJ
fsr-3436	199	5	social	social	ADJ
fsr-3436	199	6	psychology	psychology	NOUN
fsr-3436	199	7	,	,	PUNCT
fsr-3436	199	8	99	99	NUM
fsr-3436	199	9	,	,	PUNCT
fsr-3436	199	10	52–61	52–61	NUM
fsr-3436	199	11	.	.	PUNCT
fsr-3436	200	1	b.	b.	PROPN
fsr-3436	200	2	pearson	pearson	PROPN
fsr-3436	200	3	,	,	PUNCT
fsr-3436	200	4	m.	m.	NOUN
fsr-3436	200	5	guillemette	guillemette	NOUN
fsr-3436	200	6	/	/	SYM
fsr-3436	200	7	financial	financial	ADJ
fsr-3436	200	8	services	service	NOUN
fsr-3436	200	9	review	review	VERB
fsr-3436	200	10	28	28	NUM
fsr-3436	200	11	(	(	PUNCT
fsr-3436	200	12	2020	2020	NUM
fsr-3436	200	13	)	)	PUNCT
fsr-3436	201	1	341–350	341–350	NUM
fsr-3436	201	2	349	349	NUM
fsr-3436	201	3	dorfman	dorfman	PROPN
fsr-3436	201	4	,	,	PUNCT
fsr-3436	201	5	l.	l.	PROPN
fsr-3436	201	6	t.	t.	PROPN
fsr-3436	201	7	(	(	PUNCT
fsr-3436	201	8	1989	1989	NUM
fsr-3436	201	9	)	)	PUNCT
fsr-3436	201	10	.	.	PUNCT
fsr-3436	202	1	retirement	retirement	NOUN
fsr-3436	202	2	preparation	preparation	NOUN
fsr-3436	202	3	and	and	CCONJ
fsr-3436	202	4	retirement	retirement	NOUN
fsr-3436	202	5	satisfaction	satisfaction	NOUN
fsr-3436	202	6	in	in	ADP
fsr-3436	202	7	the	the	DET
fsr-3436	202	8	rural	rural	ADJ
fsr-3436	202	9	elderly	elderly	ADJ
fsr-3436	202	10	.	.	PUNCT
fsr-3436	203	1	journal	journal	PROPN
fsr-3436	203	2	of	of	ADP
fsr-3436	203	3	applied	apply	VERB
fsr-3436	203	4	gerontology	gerontology	NOUN
fsr-3436	203	5	,	,	PUNCT
fsr-3436	203	6	8	8	NUM
fsr-3436	203	7	,	,	PUNCT
fsr-3436	203	8	432–450	432–450	NUM
fsr-3436	203	9	.	.	PUNCT
fsr-3436	204	1	dyer	dyer	NOUN
fsr-3436	204	2	,	,	PUNCT
fsr-3436	204	3	j.	j.	PROPN
fsr-3436	204	4	s.	s.	PROPN
fsr-3436	204	5	,	,	PUNCT
fsr-3436	204	6	&	&	CCONJ
fsr-3436	204	7	sarin	sarin	PROPN
fsr-3436	204	8	,	,	PUNCT
fsr-3436	204	9	r.	r.	PROPN
fsr-3436	204	10	k.	k.	PROPN
fsr-3436	204	11	(	(	PUNCT
fsr-3436	204	12	1982	1982	NUM
fsr-3436	204	13	)	)	PUNCT
fsr-3436	204	14	.	.	PUNCT
fsr-3436	205	1	relative	relative	ADJ
fsr-3436	205	2	risk	risk	NOUN
fsr-3436	205	3	aversion.management	aversion.management	NOUN
fsr-3436	205	4	science	science	NOUN
fsr-3436	205	5	,	,	PUNCT
fsr-3436	205	6	28	28	NUM
fsr-3436	205	7	,	,	PUNCT
fsr-3436	205	8	875–886	875–886	NUM
fsr-3436	205	9	.	.	PUNCT
fsr-3436	206	1	easterlin	easterlin	PROPN
fsr-3436	206	2	,	,	PUNCT
fsr-3436	206	3	r.	r.	PROPN
fsr-3436	206	4	a.	a.	PROPN
fsr-3436	206	5	(	(	PUNCT
fsr-3436	206	6	2003	2003	NUM
fsr-3436	206	7	)	)	PUNCT
fsr-3436	206	8	.	.	PUNCT
fsr-3436	207	1	explaining	explain	VERB
fsr-3436	207	2	happiness	happiness	NOUN
fsr-3436	207	3	.	.	PUNCT
fsr-3436	208	1	proceedings	proceeding	NOUN
fsr-3436	208	2	of	of	ADP
fsr-3436	208	3	the	the	DET
fsr-3436	208	4	national	national	PROPN
fsr-3436	208	5	academy	academy	PROPN
fsr-3436	208	6	of	of	ADP
fsr-3436	208	7	sciences	sciences	PROPN
fsr-3436	208	8	,	,	PUNCT
fsr-3436	208	9	100	100	NUM
fsr-3436	208	10	,	,	PUNCT
fsr-3436	208	11	11176	11176	NUM
fsr-3436	208	12	–	–	PUNCT
fsr-3436	208	13	11183	11183	NUM
fsr-3436	208	14	.	.	PUNCT
fsr-3436	209	1	elder	elder	NOUN
fsr-3436	209	2	,	,	PUNCT
fsr-3436	209	3	h.	h.	PROPN
fsr-3436	209	4	w.	w.	PROPN
fsr-3436	209	5	,	,	PUNCT
fsr-3436	209	6	&	&	CCONJ
fsr-3436	209	7	rudolph	rudolph	PROPN
fsr-3436	209	8	,	,	PUNCT
fsr-3436	209	9	p.	p.	NOUN
fsr-3436	209	10	m.	m.	NOUN
fsr-3436	209	11	(	(	PUNCT
fsr-3436	209	12	1999	1999	NUM
fsr-3436	209	13	)	)	PUNCT
fsr-3436	209	14	.	.	PUNCT
fsr-3436	210	1	does	do	AUX
fsr-3436	210	2	retirement	retirement	NOUN
fsr-3436	210	3	planning	planning	NOUN
fsr-3436	210	4	affect	affect	VERB
fsr-3436	210	5	the	the	DET
fsr-3436	210	6	level	level	NOUN
fsr-3436	210	7	of	of	ADP
fsr-3436	210	8	retirement	retirement	NOUN
fsr-3436	210	9	satisfaction	satisfaction	NOUN
fsr-3436	210	10	?	?	PUNCT
fsr-3436	211	1	financial	financial	ADJ
fsr-3436	211	2	services	service	NOUN
fsr-3436	211	3	review	review	NOUN
fsr-3436	211	4	,	,	PUNCT
fsr-3436	211	5	8	8	NUM
fsr-3436	211	6	,	,	PUNCT
fsr-3436	211	7	117–127	117–127	NUM
fsr-3436	211	8	.	.	PUNCT
fsr-3436	212	1	fitz	fitz	PROPN
fsr-3436	212	2	-	-	PUNCT
fsr-3436	212	3	enz	enz	PROPN
fsr-3436	212	4	,	,	PUNCT
fsr-3436	212	5	j.	j.	PROPN
fsr-3436	212	6	(	(	PUNCT
fsr-3436	212	7	2000	2000	NUM
fsr-3436	212	8	)	)	PUNCT
fsr-3436	212	9	.	.	PUNCT
fsr-3436	213	1	the	the	DET
fsr-3436	213	2	roi	roi	NOUN
fsr-3436	213	3	of	of	ADP
fsr-3436	213	4	human	human	ADJ
fsr-3436	213	5	capital	capital	NOUN
fsr-3436	213	6	:	:	PUNCT
fsr-3436	213	7	measuring	measure	VERB
fsr-3436	213	8	the	the	DET
fsr-3436	213	9	economic	economic	ADJ
fsr-3436	213	10	value	value	NOUN
fsr-3436	213	11	of	of	ADP
fsr-3436	213	12	employee	employee	NOUN
fsr-3436	213	13	performance	performance	NOUN
fsr-3436	213	14	.	.	PUNCT
fsr-3436	214	1	new	new	PROPN
fsr-3436	214	2	york	york	PROPN
fsr-3436	214	3	,	,	PUNCT
fsr-3436	214	4	ny	ny	PROPN
fsr-3436	214	5	:	:	PUNCT
fsr-3436	214	6	amacom	amacom	PROPN
fsr-3436	214	7	:	:	PUNCT
fsr-3436	214	8	a	a	DET
fsr-3436	214	9	division	division	NOUN
fsr-3436	214	10	of	of	ADP
fsr-3436	214	11	american	american	PROPN
fsr-3436	214	12	management	management	PROPN
fsr-3436	214	13	association	association	PROPN
fsr-3436	214	14	.	.	PUNCT
fsr-3436	215	1	granger	granger	PROPN
fsr-3436	215	2	,	,	PUNCT
fsr-3436	215	3	c.	c.	PROPN
fsr-3436	215	4	w.	w.	PROPN
fsr-3436	215	5	(	(	PUNCT
fsr-3436	215	6	1969	1969	NUM
fsr-3436	215	7	)	)	PUNCT
fsr-3436	215	8	.	.	PUNCT
fsr-3436	216	1	investigating	investigate	VERB
fsr-3436	216	2	causal	causal	ADJ
fsr-3436	216	3	relations	relation	NOUN
fsr-3436	216	4	by	by	ADP
fsr-3436	216	5	econometric	econometric	ADJ
fsr-3436	216	6	models	model	NOUN
fsr-3436	216	7	and	and	CCONJ
fsr-3436	216	8	cross	cross	ADJ
fsr-3436	216	9	-	-	ADJ
fsr-3436	216	10	spectral	spectral	ADJ
fsr-3436	216	11	methods	method	NOUN
fsr-3436	216	12	.	.	PUNCT
fsr-3436	217	1	econometrica	econometrica	PROPN
fsr-3436	217	2	,	,	PUNCT
fsr-3436	217	3	37	37	NUM
fsr-3436	217	4	,	,	PUNCT
fsr-3436	217	5	424–438	424–438	NUM
fsr-3436	217	6	.	.	PUNCT
fsr-3436	218	1	hanna	hanna	PROPN
fsr-3436	218	2	,	,	PUNCT
fsr-3436	218	3	s.	s.	PROPN
fsr-3436	218	4	d.	d.	PROPN
fsr-3436	218	5	,	,	PUNCT
fsr-3436	218	6	&	&	CCONJ
fsr-3436	218	7	chen	chen	PROPN
fsr-3436	218	8	,	,	PUNCT
fsr-3436	218	9	p.	p.	NOUN
fsr-3436	218	10	(	(	PUNCT
fsr-3436	218	11	1997	1997	NUM
fsr-3436	218	12	)	)	PUNCT
fsr-3436	218	13	.	.	PUNCT
fsr-3436	219	1	subjective	subjective	ADJ
fsr-3436	219	2	and	and	CCONJ
fsr-3436	219	3	objective	objective	ADJ
fsr-3436	219	4	risk	risk	NOUN
fsr-3436	219	5	tolerance	tolerance	NOUN
fsr-3436	219	6	:	:	PUNCT
fsr-3436	219	7	implications	implication	NOUN
fsr-3436	219	8	for	for	ADP
fsr-3436	219	9	optimal	optimal	ADJ
fsr-3436	219	10	portfolios	portfolio	NOUN
fsr-3436	219	11	.	.	PUNCT
fsr-3436	220	1	financial	financial	ADJ
fsr-3436	220	2	counseling	counseling	NOUN
fsr-3436	220	3	and	and	CCONJ
fsr-3436	220	4	planning	planning	NOUN
fsr-3436	220	5	,	,	PUNCT
fsr-3436	220	6	8	8	NUM
fsr-3436	220	7	,	,	PUNCT
fsr-3436	220	8	17–26	17–26	NUM
fsr-3436	220	9	.	.	PUNCT
fsr-3436	221	1	hanna	hanna	PROPN
fsr-3436	221	2	,	,	PUNCT
fsr-3436	221	3	s.	s.	PROPN
fsr-3436	221	4	,	,	PUNCT
fsr-3436	221	5	gutter	gutter	NOUN
fsr-3436	221	6	,	,	PUNCT
fsr-3436	221	7	m.	m.	NOUN
fsr-3436	221	8	,	,	PUNCT
fsr-3436	221	9	&	&	CCONJ
fsr-3436	221	10	fan	fan	PROPN
fsr-3436	221	11	,	,	PUNCT
fsr-3436	221	12	j.	j.	PROPN
fsr-3436	221	13	(	(	PUNCT
fsr-3436	221	14	2001	2001	NUM
fsr-3436	221	15	)	)	PUNCT
fsr-3436	221	16	.	.	PUNCT
fsr-3436	222	1	a	a	DET
fsr-3436	222	2	measure	measure	NOUN
fsr-3436	222	3	of	of	ADP
fsr-3436	222	4	risk	risk	NOUN
fsr-3436	222	5	tolerance	tolerance	NOUN
fsr-3436	222	6	based	base	VERB
fsr-3436	222	7	on	on	ADP
fsr-3436	222	8	economic	economic	ADJ
fsr-3436	222	9	theory	theory	NOUN
fsr-3436	222	10	.	.	PUNCT
fsr-3436	223	1	journal	journal	NOUN
fsr-3436	223	2	of	of	ADP
fsr-3436	223	3	financial	financial	ADJ
fsr-3436	223	4	counseling	counseling	NOUN
fsr-3436	223	5	and	and	CCONJ
fsr-3436	223	6	planning	planning	NOUN
fsr-3436	223	7	,	,	PUNCT
fsr-3436	223	8	12	12	NUM
fsr-3436	223	9	,	,	PUNCT
fsr-3436	223	10	53	53	NUM
fsr-3436	223	11	.	.	PUNCT
fsr-3436	224	1	kimmel	kimmel	PROPN
fsr-3436	224	2	,	,	PUNCT
fsr-3436	224	3	d.	d.	PROPN
fsr-3436	224	4	c.	c.	PROPN
fsr-3436	224	5	,	,	PUNCT
fsr-3436	224	6	price	price	NOUN
fsr-3436	224	7	,	,	PUNCT
fsr-3436	224	8	k.	k.	PROPN
fsr-3436	224	9	f.	f.	PROPN
fsr-3436	224	10	,	,	PUNCT
fsr-3436	224	11	&	&	CCONJ
fsr-3436	224	12	walker	walker	PROPN
fsr-3436	224	13	,	,	PUNCT
fsr-3436	224	14	j.	j.	PROPN
fsr-3436	224	15	w.	w.	PROPN
fsr-3436	224	16	(	(	PUNCT
fsr-3436	224	17	1978	1978	NUM
fsr-3436	224	18	)	)	PUNCT
fsr-3436	224	19	.	.	PUNCT
fsr-3436	225	1	retirement	retirement	NOUN
fsr-3436	225	2	choice	choice	NOUN
fsr-3436	225	3	and	and	CCONJ
fsr-3436	225	4	retirement	retirement	NOUN
fsr-3436	225	5	satisfaction	satisfaction	NOUN
fsr-3436	225	6	.	.	PUNCT
fsr-3436	226	1	journal	journal	PROPN
fsr-3436	226	2	of	of	ADP
fsr-3436	226	3	gerontology	gerontology	NOUN
fsr-3436	226	4	,	,	PUNCT
fsr-3436	226	5	33	33	NUM
fsr-3436	226	6	,	,	PUNCT
fsr-3436	226	7	575–585	575–585	NUM
fsr-3436	226	8	.	.	PUNCT
fsr-3436	227	1	lusardi	lusardi	PROPN
fsr-3436	227	2	,	,	PUNCT
fsr-3436	227	3	a.	a.	PROPN
fsr-3436	227	4	,	,	PUNCT
fsr-3436	227	5	mitchell	mitchell	PROPN
fsr-3436	227	6	,	,	PUNCT
fsr-3436	227	7	o.	o.	PROPN
fsr-3436	227	8	s.	s.	PROPN
fsr-3436	227	9	,	,	PUNCT
fsr-3436	227	10	&	&	CCONJ
fsr-3436	227	11	oggero	oggero	PROPN
fsr-3436	227	12	,	,	PUNCT
fsr-3436	227	13	n.	n.	NOUN
fsr-3436	227	14	(	(	PUNCT
fsr-3436	227	15	2018	2018	NUM
fsr-3436	227	16	)	)	PUNCT
fsr-3436	227	17	.	.	PUNCT
fsr-3436	228	1	the	the	DET
fsr-3436	228	2	changing	change	VERB
fsr-3436	228	3	face	face	NOUN
fsr-3436	228	4	of	of	ADP
fsr-3436	228	5	debt	debt	NOUN
fsr-3436	228	6	and	and	CCONJ
fsr-3436	228	7	financial	financial	ADJ
fsr-3436	228	8	fragility	fragility	NOUN
fsr-3436	228	9	at	at	ADP
fsr-3436	228	10	older	old	ADJ
fsr-3436	228	11	ages	age	NOUN
fsr-3436	228	12	.	.	PUNCT
fsr-3436	229	1	aea	aea	PROPN
fsr-3436	229	2	papers	paper	NOUN
fsr-3436	229	3	and	and	CCONJ
fsr-3436	229	4	proceedings	proceeding	NOUN
fsr-3436	229	5	,	,	PUNCT
fsr-3436	229	6	108	108	NUM
fsr-3436	229	7	,	,	PUNCT
fsr-3436	229	8	407–411	407–411	NUM
fsr-3436	229	9	.	.	PUNCT
fsr-3436	230	1	mulligan	mulligan	PROPN
fsr-3436	230	2	,	,	PUNCT
fsr-3436	230	3	c.	c.	PROPN
fsr-3436	230	4	b.	b.	PROPN
fsr-3436	230	5	,	,	PUNCT
fsr-3436	230	6	&	&	CCONJ
fsr-3436	230	7	sala	sala	PROPN
fsr-3436	230	8	-	-	PUNCT
fsr-3436	230	9	i	i	PROPN
fsr-3436	230	10	-	-	PUNCT
fsr-3436	230	11	martin	martin	PROPN
fsr-3436	230	12	,	,	PUNCT
fsr-3436	230	13	x.	x.	NOUN
fsr-3436	230	14	(	(	PUNCT
fsr-3436	230	15	2000	2000	NUM
fsr-3436	230	16	)	)	PUNCT
fsr-3436	230	17	.	.	PUNCT
fsr-3436	231	1	measuring	measure	VERB
fsr-3436	231	2	aggregate	aggregate	ADJ
fsr-3436	231	3	human	human	ADJ
fsr-3436	231	4	capital	capital	NOUN
fsr-3436	231	5	.	.	PUNCT
fsr-3436	232	1	journal	journal	PROPN
fsr-3436	232	2	of	of	ADP
fsr-3436	232	3	economic	economic	ADJ
fsr-3436	232	4	growth	growth	NOUN
fsr-3436	232	5	,	,	PUNCT
fsr-3436	232	6	5	5	NUM
fsr-3436	232	7	,	,	PUNCT
fsr-3436	232	8	215–252	215–252	NUM
fsr-3436	232	9	.	.	PUNCT
fsr-3436	233	1	pålsson	pålsson	NOUN
fsr-3436	233	2	,	,	PUNCT
fsr-3436	233	3	a.	a.	NOUN
fsr-3436	233	4	m.	m.	NOUN
fsr-3436	233	5	(	(	PUNCT
fsr-3436	233	6	1996	1996	NUM
fsr-3436	233	7	)	)	PUNCT
fsr-3436	233	8	.	.	PUNCT
fsr-3436	234	1	does	do	AUX
fsr-3436	234	2	the	the	DET
fsr-3436	234	3	degree	degree	NOUN
fsr-3436	234	4	of	of	ADP
fsr-3436	234	5	relative	relative	ADJ
fsr-3436	234	6	risk	risk	NOUN
fsr-3436	234	7	aversion	aversion	NOUN
fsr-3436	234	8	vary	vary	VERB
fsr-3436	234	9	with	with	ADP
fsr-3436	234	10	household	household	NOUN
fsr-3436	234	11	characteristics	characteristic	NOUN
fsr-3436	234	12	?	?	PUNCT
fsr-3436	235	1	journal	journal	NOUN
fsr-3436	235	2	of	of	ADP
fsr-3436	235	3	economic	economic	ADJ
fsr-3436	235	4	psychology	psychology	NOUN
fsr-3436	235	5	,	,	PUNCT
fsr-3436	235	6	17	17	NUM
fsr-3436	235	7	,	,	PUNCT
fsr-3436	235	8	771–787	771–787	NUM
fsr-3436	235	9	.	.	PUNCT
fsr-3436	236	1	pratt	pratt	PROPN
fsr-3436	236	2	,	,	PUNCT
fsr-3436	236	3	j.	j.	PROPN
fsr-3436	236	4	w.	w.	PROPN
fsr-3436	236	5	(	(	PUNCT
fsr-3436	236	6	1964	1964	NUM
fsr-3436	236	7	)	)	PUNCT
fsr-3436	236	8	.	.	PUNCT
fsr-3436	237	1	risk	risk	NOUN
fsr-3436	237	2	aversion	aversion	NOUN
fsr-3436	237	3	in	in	ADP
fsr-3436	237	4	the	the	DET
fsr-3436	237	5	small	small	ADJ
fsr-3436	237	6	and	and	CCONJ
fsr-3436	237	7	in	in	ADP
fsr-3436	237	8	the	the	DET
fsr-3436	237	9	large	large	ADJ
fsr-3436	237	10	.	.	PUNCT
fsr-3436	238	1	econometrica	econometrica	PROPN
fsr-3436	238	2	,	,	PUNCT
fsr-3436	238	3	32	32	NUM
fsr-3436	238	4	,	,	PUNCT
fsr-3436	238	5	122–136	122–136	NUM
fsr-3436	238	6	.	.	PUNCT
fsr-3436	239	1	price	price	NOUN
fsr-3436	239	2	,	,	PUNCT
fsr-3436	239	3	c.	c.	PROPN
fsr-3436	239	4	a.	a.	PROPN
fsr-3436	239	5	,	,	PUNCT
fsr-3436	239	6	&	&	CCONJ
fsr-3436	239	7	balaswamy	balaswamy	PROPN
fsr-3436	239	8	,	,	PUNCT
fsr-3436	239	9	s.	s.	PROPN
fsr-3436	239	10	(	(	PUNCT
fsr-3436	239	11	2009	2009	NUM
fsr-3436	239	12	)	)	PUNCT
fsr-3436	239	13	.	.	PUNCT
fsr-3436	240	1	beyond	beyond	ADP
fsr-3436	240	2	health	health	NOUN
fsr-3436	240	3	and	and	CCONJ
fsr-3436	240	4	wealth	wealth	NOUN
fsr-3436	240	5	:	:	PUNCT
fsr-3436	240	6	predictors	predictor	NOUN
fsr-3436	240	7	of	of	ADP
fsr-3436	240	8	women	woman	NOUN
fsr-3436	240	9	’s	’s	PART
fsr-3436	240	10	retirement	retirement	NOUN
fsr-3436	240	11	satisfaction	satisfaction	NOUN
fsr-3436	240	12	.	.	PUNCT
fsr-3436	241	1	the	the	DET
fsr-3436	241	2	international	international	ADJ
fsr-3436	241	3	journal	journal	NOUN
fsr-3436	241	4	of	of	ADP
fsr-3436	241	5	aging	age	VERB
fsr-3436	241	6	and	and	CCONJ
fsr-3436	241	7	human	human	ADJ
fsr-3436	241	8	development	development	NOUN
fsr-3436	241	9	,	,	PUNCT
fsr-3436	241	10	68	68	NUM
fsr-3436	241	11	,	,	PUNCT
fsr-3436	241	12	195–214	195–214	NUM
fsr-3436	241	13	.	.	PUNCT
fsr-3436	242	1	schultz	schultz	PROPN
fsr-3436	242	2	,	,	PUNCT
fsr-3436	242	3	t.	t.	PROPN
fsr-3436	242	4	w.	w.	PROPN
fsr-3436	242	5	(	(	PUNCT
fsr-3436	242	6	1961	1961	NUM
fsr-3436	242	7	)	)	PUNCT
fsr-3436	242	8	.	.	PUNCT
fsr-3436	243	1	investment	investment	NOUN
fsr-3436	243	2	in	in	ADP
fsr-3436	243	3	human	human	ADJ
fsr-3436	243	4	capital	capital	NOUN
fsr-3436	243	5	.	.	PUNCT
fsr-3436	244	1	the	the	DET
fsr-3436	244	2	american	american	PROPN
fsr-3436	244	3	economic	economic	PROPN
fsr-3436	244	4	review	review	PROPN
fsr-3436	244	5	,	,	PUNCT
fsr-3436	244	6	51	51	NUM
fsr-3436	244	7	,	,	PUNCT
fsr-3436	244	8	1–17	1–17	PROPN
fsr-3436	244	9	.	.	PUNCT
fsr-3436	245	1	seccombe	seccombe	PROPN
fsr-3436	245	2	,	,	PUNCT
fsr-3436	245	3	k.	k.	PROPN
fsr-3436	245	4	,	,	PUNCT
fsr-3436	245	5	&	&	CCONJ
fsr-3436	245	6	lee	lee	PROPN
fsr-3436	245	7	,	,	PUNCT
fsr-3436	245	8	g.	g.	PROPN
fsr-3436	245	9	r.	r.	PROPN
fsr-3436	245	10	(	(	PUNCT
fsr-3436	245	11	1986	1986	NUM
fsr-3436	245	12	)	)	PUNCT
fsr-3436	245	13	.	.	PUNCT
fsr-3436	246	1	gender	gender	NOUN
fsr-3436	246	2	differences	difference	NOUN
fsr-3436	246	3	in	in	ADP
fsr-3436	246	4	retirement	retirement	NOUN
fsr-3436	246	5	satisfaction	satisfaction	NOUN
fsr-3436	246	6	and	and	CCONJ
fsr-3436	246	7	its	its	PRON
fsr-3436	246	8	antecedents	antecedent	NOUN
fsr-3436	246	9	.	.	PUNCT
fsr-3436	247	1	research	research	NOUN
fsr-3436	247	2	on	on	ADP
fsr-3436	247	3	aging	aging	NOUN
fsr-3436	247	4	,	,	PUNCT
fsr-3436	247	5	8	8	NUM
fsr-3436	247	6	,	,	PUNCT
fsr-3436	247	7	426–440	426–440	NUM
fsr-3436	247	8	.	.	PUNCT
fsr-3436	248	1	shaw	shaw	PROPN
fsr-3436	248	2	,	,	PUNCT
fsr-3436	248	3	k.	k.	PROPN
fsr-3436	248	4	l.	l.	PROPN
fsr-3436	248	5	(	(	PUNCT
fsr-3436	248	6	1996	1996	NUM
fsr-3436	248	7	)	)	PUNCT
fsr-3436	248	8	.	.	PUNCT
fsr-3436	249	1	an	an	DET
fsr-3436	249	2	empirical	empirical	ADJ
fsr-3436	249	3	analysis	analysis	NOUN
fsr-3436	249	4	of	of	ADP
fsr-3436	249	5	risk	risk	NOUN
fsr-3436	249	6	aversion	aversion	NOUN
fsr-3436	249	7	and	and	CCONJ
fsr-3436	249	8	income	income	NOUN
fsr-3436	249	9	growth	growth	NOUN
fsr-3436	249	10	.	.	PUNCT
fsr-3436	250	1	journal	journal	NOUN
fsr-3436	250	2	of	of	ADP
fsr-3436	250	3	labor	labor	NOUN
fsr-3436	250	4	economics	economic	NOUN
fsr-3436	250	5	,	,	PUNCT
fsr-3436	250	6	14	14	NUM
fsr-3436	250	7	,	,	PUNCT
fsr-3436	250	8	626–653	626–653	NUM
fsr-3436	250	9	.	.	PUNCT
fsr-3436	251	1	sung	sung	PROPN
fsr-3436	251	2	,	,	PUNCT
fsr-3436	251	3	j.	j.	PROPN
fsr-3436	251	4	,	,	PUNCT
fsr-3436	251	5	&	&	CCONJ
fsr-3436	251	6	hanna	hanna	PROPN
fsr-3436	251	7	,	,	PUNCT
fsr-3436	251	8	s.	s.	PROPN
fsr-3436	251	9	d.	d.	PROPN
fsr-3436	251	10	(	(	PUNCT
fsr-3436	251	11	1996	1996	NUM
fsr-3436	251	12	)	)	PUNCT
fsr-3436	251	13	.	.	PUNCT
fsr-3436	252	1	factors	factor	NOUN
fsr-3436	252	2	related	relate	VERB
fsr-3436	252	3	to	to	PART
fsr-3436	252	4	risk	risk	VERB
fsr-3436	252	5	tolerance	tolerance	NOUN
fsr-3436	252	6	.	.	PUNCT
fsr-3436	253	1	financial	financial	ADJ
fsr-3436	253	2	counseling	counseling	NOUN
fsr-3436	253	3	and	and	CCONJ
fsr-3436	253	4	planning	planning	NOUN
fsr-3436	253	5	,	,	PUNCT
fsr-3436	253	6	7	7	NUM
fsr-3436	253	7	,	,	PUNCT
fsr-3436	253	8	11–20	11–20	NUM
fsr-3436	253	9	.	.	PUNCT
fsr-3436	254	1	taylor	taylor	PROPN
fsr-3436	254	2	-	-	PUNCT
fsr-3436	254	3	carter	carter	PROPN
fsr-3436	254	4	,	,	PUNCT
fsr-3436	254	5	m.	m.	NOUN
fsr-3436	254	6	a.	a.	NOUN
fsr-3436	254	7	.	.	PUNCT
fsr-3436	254	8	,	,	PUNCT
fsr-3436	254	9	cook	cook	VERB
fsr-3436	254	10	,	,	PUNCT
fsr-3436	254	11	k.	k.	PROPN
fsr-3436	254	12	,	,	PUNCT
fsr-3436	254	13	&	&	CCONJ
fsr-3436	254	14	weinberg	weinberg	PROPN
fsr-3436	254	15	,	,	PUNCT
fsr-3436	254	16	c.	c.	PROPN
fsr-3436	254	17	(	(	PUNCT
fsr-3436	254	18	1997	1997	NUM
fsr-3436	254	19	)	)	PUNCT
fsr-3436	254	20	.	.	PUNCT
fsr-3436	255	1	planning	planning	NOUN
fsr-3436	255	2	and	and	CCONJ
fsr-3436	255	3	expectations	expectation	NOUN
fsr-3436	255	4	of	of	ADP
fsr-3436	255	5	the	the	DET
fsr-3436	255	6	retirement	retirement	NOUN
fsr-3436	255	7	experience	experience	NOUN
fsr-3436	255	8	.	.	PUNCT
fsr-3436	256	1	educational	educational	ADJ
fsr-3436	256	2	gerontology	gerontology	NOUN
fsr-3436	256	3	:	:	PUNCT
fsr-3436	256	4	an	an	DET
fsr-3436	256	5	international	international	ADJ
fsr-3436	256	6	quarterly	quarterly	NOUN
fsr-3436	256	7	,	,	PUNCT
fsr-3436	256	8	23	23	NUM
fsr-3436	256	9	,	,	PUNCT
fsr-3436	256	10	273–288	273–288	NUM
fsr-3436	256	11	.	.	PUNCT
fsr-3436	257	1	van	van	PROPN
fsr-3436	257	2	solinge	solinge	PROPN
fsr-3436	257	3	,	,	PUNCT
fsr-3436	257	4	h.	h.	PROPN
fsr-3436	257	5	,	,	PUNCT
fsr-3436	257	6	&	&	CCONJ
fsr-3436	257	7	henkens	henkens	PROPN
fsr-3436	257	8	,	,	PUNCT
fsr-3436	257	9	k.	k.	PROPN
fsr-3436	257	10	(	(	PUNCT
fsr-3436	257	11	2008	2008	NUM
fsr-3436	257	12	)	)	PUNCT
fsr-3436	257	13	.	.	PUNCT
fsr-3436	258	1	adjustment	adjustment	NOUN
fsr-3436	258	2	to	to	ADP
fsr-3436	258	3	and	and	CCONJ
fsr-3436	258	4	satisfaction	satisfaction	VERB
fsr-3436	258	5	with	with	ADP
fsr-3436	258	6	retirement	retirement	NOUN
fsr-3436	258	7	:	:	PUNCT
fsr-3436	258	8	two	two	NUM
fsr-3436	258	9	of	of	ADP
fsr-3436	258	10	a	a	DET
fsr-3436	258	11	kind	kind	NOUN
fsr-3436	258	12	?	?	PUNCT
fsr-3436	259	1	psychology	psychology	NOUN
fsr-3436	259	2	and	and	CCONJ
fsr-3436	259	3	aging	aging	NOUN
fsr-3436	259	4	,	,	PUNCT
fsr-3436	259	5	23	23	NUM
fsr-3436	259	6	,	,	PUNCT
fsr-3436	259	7	422–434	422–434	NUM
fsr-3436	259	8	.	.	PUNCT
fsr-3436	260	1	yook	yook	NOUN
fsr-3436	260	2	,	,	PUNCT
fsr-3436	260	3	k.	k.	PROPN
fsr-3436	260	4	c.	c.	PROPN
fsr-3436	260	5	,	,	PUNCT
fsr-3436	260	6	&	&	CCONJ
fsr-3436	260	7	everett	everett	PROPN
fsr-3436	260	8	,	,	PUNCT
fsr-3436	260	9	r.	r.	PROPN
fsr-3436	260	10	(	(	PUNCT
fsr-3436	260	11	2003	2003	NUM
fsr-3436	260	12	)	)	PUNCT
fsr-3436	260	13	.	.	PUNCT
fsr-3436	261	1	assessing	assess	VERB
fsr-3436	261	2	risk	risk	NOUN
fsr-3436	261	3	tolerance	tolerance	NOUN
fsr-3436	261	4	:	:	PUNCT
fsr-3436	261	5	questioning	question	VERB
fsr-3436	261	6	the	the	DET
fsr-3436	261	7	questionnaire	questionnaire	NOUN
fsr-3436	261	8	method	method	NOUN
fsr-3436	261	9	.	.	PUNCT
fsr-3436	262	1	journal	journal	NOUN
fsr-3436	262	2	of	of	ADP
fsr-3436	262	3	financial	financial	ADJ
fsr-3436	262	4	planning	planning	NOUN
fsr-3436	262	5	,	,	PUNCT
fsr-3436	262	6	16	16	NUM
fsr-3436	262	7	,	,	PUNCT
fsr-3436	262	8	48	48	NUM
fsr-3436	262	9	.	.	X
fsr-3436	263	1	350	350	NUM
fsr-3436	263	2	b.	b.	PROPN
fsr-3436	263	3	pearson	pearson	PROPN
fsr-3436	263	4	,	,	PUNCT
fsr-3436	263	5	m.	m.	NOUN
fsr-3436	263	6	guillemette	guillemette	NOUN
fsr-3436	263	7	/	/	SYM
fsr-3436	263	8	financial	financial	ADJ
fsr-3436	263	9	services	service	NOUN
fsr-3436	263	10	review	review	VERB
fsr-3436	263	11	28	28	NUM
fsr-3436	263	12	(	(	PUNCT
fsr-3436	263	13	2020	2020	NUM
fsr-3436	263	14	)	)	PUNCT
fsr-3436	264	1	341–350	341–350	NUM