id	sid	tid	token	lemma	pos
fsr-3584	1	1	financial	financial	PROPN
fsr-3584	1	2	services	service	NOUN
fsr-3584	1	3	review	review	PROPN
fsr-3584	1	4	,	,	PUNCT
fsr-3584	1	5	32(3	32(3	NUM
fsr-3584	1	6	)	)	PUNCT
fsr-3584	1	7	20	20	NUM
fsr-3584	1	8	the	the	DET
fsr-3584	1	9	effect	effect	NOUN
fsr-3584	1	10	of	of	ADP
fsr-3584	1	11	financial	financial	ADJ
fsr-3584	1	12	knowledge	knowledge	NOUN
fsr-3584	1	13	on	on	ADP
fsr-3584	1	14	workers	worker	NOUN
fsr-3584	1	15	’	'	PUNCT
fsr-3584	1	16	expectation	expectation	NOUN
fsr-3584	1	17	of	of	ADP
fsr-3584	1	18	never	never	ADV
fsr-3584	1	19	retiring	retire	VERB
fsr-3584	1	20	zezhong	zezhong	PROPN
fsr-3584	1	21	e.	e.	PROPN
fsr-3584	1	22	zhang,1	zhang,1	PROPN
fsr-3584	1	23	sherman	sherman	PROPN
fsr-3584	1	24	d.	d.	PROPN
fsr-3584	1	25	hanna,2	hanna,2	VERB
fsr-3584	1	26	and	and	CCONJ
fsr-3584	1	27	lei	lei	VERB
fsr-3584	1	28	xu3	xu3	PROPN
fsr-3584	2	1	abstract	abstract	ADJ
fsr-3584	2	2	in	in	ADP
fsr-3584	2	3	this	this	DET
fsr-3584	2	4	study	study	NOUN
fsr-3584	2	5	,	,	PUNCT
fsr-3584	2	6	we	we	PRON
fsr-3584	2	7	extend	extend	VERB
fsr-3584	2	8	previous	previous	ADJ
fsr-3584	2	9	research	research	NOUN
fsr-3584	2	10	on	on	ADP
fsr-3584	2	11	factors	factor	NOUN
fsr-3584	2	12	related	relate	VERB
fsr-3584	2	13	to	to	ADP
fsr-3584	2	14	workers	worker	NOUN
fsr-3584	2	15	stating	state	VERB
fsr-3584	2	16	that	that	SCONJ
fsr-3584	2	17	they	they	PRON
fsr-3584	2	18	would	would	AUX
fsr-3584	2	19	never	never	ADV
fsr-3584	2	20	retire	retire	VERB
fsr-3584	2	21	by	by	ADP
fsr-3584	2	22	analyzing	analyze	VERB
fsr-3584	2	23	the	the	DET
fsr-3584	2	24	impact	impact	NOUN
fsr-3584	2	25	of	of	ADP
fsr-3584	2	26	financial	financial	ADJ
fsr-3584	2	27	knowledge	knowledge	NOUN
fsr-3584	2	28	variables	variable	NOUN
fsr-3584	2	29	on	on	ADP
fsr-3584	2	30	the	the	DET
fsr-3584	2	31	expectation	expectation	NOUN
fsr-3584	2	32	.	.	PUNCT
fsr-3584	3	1	findings	finding	NOUN
fsr-3584	3	2	show	show	VERB
fsr-3584	3	3	that	that	SCONJ
fsr-3584	3	4	the	the	DET
fsr-3584	3	5	never	never	ADV
fsr-3584	3	6	retire	retire	NOUN
fsr-3584	3	7	rate	rate	NOUN
fsr-3584	3	8	is	be	AUX
fsr-3584	3	9	related	relate	VERB
fsr-3584	3	10	to	to	ADP
fsr-3584	3	11	objective	objective	ADJ
fsr-3584	3	12	financial	financial	ADJ
fsr-3584	3	13	knowledge	knowledge	NOUN
fsr-3584	3	14	,	,	PUNCT
fsr-3584	3	15	with	with	ADP
fsr-3584	3	16	a	a	DET
fsr-3584	3	17	20	20	NUM
fsr-3584	3	18	%	%	NOUN
fsr-3584	3	19	rate	rate	NOUN
fsr-3584	3	20	for	for	ADP
fsr-3584	3	21	those	those	PRON
fsr-3584	3	22	who	who	PRON
fsr-3584	3	23	missed	miss	VERB
fsr-3584	3	24	all	all	DET
fsr-3584	3	25	questions	question	NOUN
fsr-3584	3	26	,	,	PUNCT
fsr-3584	3	27	compared	compare	VERB
fsr-3584	3	28	to	to	ADP
fsr-3584	3	29	12	12	NUM
fsr-3584	3	30	%	%	NOUN
fsr-3584	3	31	for	for	ADP
fsr-3584	3	32	those	those	PRON
fsr-3584	3	33	who	who	PRON
fsr-3584	3	34	answered	answer	VERB
fsr-3584	3	35	all	all	DET
fsr-3584	3	36	questions	question	NOUN
fsr-3584	3	37	correctly	correctly	ADV
fsr-3584	3	38	.	.	PUNCT
fsr-3584	4	1	we	we	PRON
fsr-3584	4	2	find	find	VERB
fsr-3584	4	3	a	a	DET
fsr-3584	4	4	similar	similar	ADJ
fsr-3584	4	5	pattern	pattern	NOUN
fsr-3584	4	6	between	between	ADP
fsr-3584	4	7	subjective	subjective	ADJ
fsr-3584	4	8	knowledge	knowledge	NOUN
fsr-3584	4	9	and	and	CCONJ
fsr-3584	4	10	the	the	DET
fsr-3584	4	11	never	never	ADV
fsr-3584	4	12	retire	retire	VERB
fsr-3584	4	13	rate	rate	NOUN
fsr-3584	4	14	.	.	PUNCT
fsr-3584	5	1	using	use	VERB
fsr-3584	5	2	logistic	logistic	ADJ
fsr-3584	5	3	regressions	regression	NOUN
fsr-3584	5	4	,	,	PUNCT
fsr-3584	5	5	we	we	PRON
fsr-3584	5	6	find	find	VERB
fsr-3584	5	7	that	that	SCONJ
fsr-3584	5	8	survey	survey	NOUN
fsr-3584	5	9	respondents	respondent	NOUN
fsr-3584	5	10	who	who	PRON
fsr-3584	5	11	missed	miss	VERB
fsr-3584	5	12	questions	question	NOUN
fsr-3584	5	13	for	for	ADP
fsr-3584	5	14	objective	objective	ADJ
fsr-3584	5	15	financial	financial	ADJ
fsr-3584	5	16	knowledge	knowledge	NOUN
fsr-3584	5	17	are	be	AUX
fsr-3584	5	18	more	more	ADV
fsr-3584	5	19	likely	likely	ADJ
fsr-3584	5	20	to	to	PART
fsr-3584	5	21	choose	choose	VERB
fsr-3584	5	22	a	a	DET
fsr-3584	5	23	never	never	ADV
fsr-3584	5	24	retire	retire	VERB
fsr-3584	5	25	response	response	NOUN
fsr-3584	5	26	than	than	ADP
fsr-3584	5	27	those	those	PRON
fsr-3584	5	28	who	who	PRON
fsr-3584	5	29	do	do	AUX
fsr-3584	5	30	not	not	PART
fsr-3584	5	31	miss	miss	VERB
fsr-3584	5	32	any	any	DET
fsr-3584	5	33	questions	question	NOUN
fsr-3584	5	34	.	.	PUNCT
fsr-3584	6	1	we	we	PRON
fsr-3584	6	2	also	also	ADV
fsr-3584	6	3	find	find	VERB
fsr-3584	6	4	that	that	SCONJ
fsr-3584	6	5	overconfident	overconfident	ADJ
fsr-3584	6	6	respondents	respondent	NOUN
fsr-3584	6	7	are	be	AUX
fsr-3584	6	8	more	more	ADV
fsr-3584	6	9	likely	likely	ADJ
fsr-3584	6	10	to	to	PART
fsr-3584	6	11	give	give	VERB
fsr-3584	6	12	a	a	PRON
fsr-3584	6	13	never	never	ADV
fsr-3584	6	14	retire	retire	VERB
fsr-3584	6	15	response	response	NOUN
fsr-3584	6	16	than	than	ADP
fsr-3584	6	17	underconfident	underconfident	ADJ
fsr-3584	6	18	respondents	respondent	NOUN
fsr-3584	6	19	.	.	PUNCT
fsr-3584	7	1	our	our	PRON
fsr-3584	7	2	results	result	NOUN
fsr-3584	7	3	have	have	VERB
fsr-3584	7	4	implications	implication	NOUN
fsr-3584	7	5	for	for	ADP
fsr-3584	7	6	financial	financial	ADJ
fsr-3584	7	7	education	education	NOUN
fsr-3584	7	8	and	and	CCONJ
fsr-3584	7	9	policies	policy	NOUN
fsr-3584	7	10	related	relate	VERB
fsr-3584	7	11	to	to	ADP
fsr-3584	7	12	retirement	retirement	NOUN
fsr-3584	7	13	,	,	PUNCT
fsr-3584	7	14	as	as	ADV
fsr-3584	7	15	well	well	ADV
fsr-3584	7	16	as	as	ADP
fsr-3584	7	17	for	for	ADP
fsr-3584	7	18	research	research	NOUN
fsr-3584	7	19	on	on	ADP
fsr-3584	7	20	retirement	retirement	NOUN
fsr-3584	7	21	adequacy	adequacy	NOUN
fsr-3584	7	22	.	.	PUNCT
fsr-3584	8	1	creative	creative	ADJ
fsr-3584	8	2	commons	commons	PROPN
fsr-3584	8	3	license	license	NOUN
fsr-3584	8	4	this	this	DET
fsr-3584	8	5	work	work	NOUN
fsr-3584	8	6	is	be	AUX
fsr-3584	8	7	licensed	license	VERB
fsr-3584	8	8	under	under	ADP
fsr-3584	8	9	a	a	DET
fsr-3584	8	10	creative	creative	ADJ
fsr-3584	8	11	commons	common	NOUN
fsr-3584	8	12	attribution	attribution	NOUN
fsr-3584	8	13	-	-	PUNCT
fsr-3584	8	14	noncommercial	noncommercial	ADJ
fsr-3584	8	15	4.0	4.0	NUM
fsr-3584	8	16	license	license	NOUN
fsr-3584	8	17	recommended	recommend	VERB
fsr-3584	8	18	citation	citation	PROPN
fsr-3584	8	19	zhang	zhang	PROPN
fsr-3584	8	20	,	,	PUNCT
fsr-3584	8	21	z.	z.	PROPN
fsr-3584	8	22	,	,	PUNCT
fsr-3584	8	23	hanna	hanna	PROPN
fsr-3584	8	24	,	,	PUNCT
fsr-3584	8	25	s.	s.	PROPN
fsr-3584	8	26	d.	d.	PROPN
fsr-3584	8	27	,	,	PUNCT
fsr-3584	8	28	&	&	CCONJ
fsr-3584	8	29	xu	xu	PROPN
fsr-3584	8	30	,	,	PUNCT
fsr-3584	8	31	l.	l.	PROPN
fsr-3584	8	32	(	(	PUNCT
fsr-3584	8	33	2024	2024	NUM
fsr-3584	8	34	)	)	PUNCT
fsr-3584	8	35	.	.	PUNCT
fsr-3584	9	1	the	the	DET
fsr-3584	9	2	effect	effect	NOUN
fsr-3584	9	3	of	of	ADP
fsr-3584	9	4	financial	financial	ADJ
fsr-3584	9	5	knowledge	knowledge	NOUN
fsr-3584	9	6	on	on	ADP
fsr-3584	9	7	workers	worker	NOUN
fsr-3584	9	8	’	'	PUNCT
fsr-3584	9	9	expectation	expectation	NOUN
fsr-3584	9	10	of	of	ADP
fsr-3584	9	11	never	never	ADV
fsr-3584	9	12	retiring	retire	VERB
fsr-3584	9	13	.	.	PUNCT
fsr-3584	10	1	financial	financial	ADJ
fsr-3584	10	2	services	service	NOUN
fsr-3584	10	3	review	review	VERB
fsr-3584	10	4	32(3	32(3	NUM
fsr-3584	10	5	)	)	PUNCT
fsr-3584	10	6	,	,	PUNCT
fsr-3584	10	7	20	20	NUM
fsr-3584	10	8	-	-	SYM
fsr-3584	10	9	31	31	NUM
fsr-3584	10	10	.	.	PUNCT
fsr-3584	11	1	introduction	introduction	NOUN
fsr-3584	11	2	a	a	DET
fsr-3584	11	3	key	key	ADJ
fsr-3584	11	4	issue	issue	NOUN
fsr-3584	11	5	for	for	ADP
fsr-3584	11	6	retirement	retirement	NOUN
fsr-3584	11	7	planning	planning	NOUN
fsr-3584	11	8	is	be	AUX
fsr-3584	11	9	when	when	SCONJ
fsr-3584	11	10	to	to	PART
fsr-3584	11	11	retire	retire	VERB
fsr-3584	11	12	.	.	PUNCT
fsr-3584	12	1	this	this	DET
fsr-3584	12	2	decision	decision	NOUN
fsr-3584	12	3	may	may	AUX
fsr-3584	12	4	be	be	AUX
fsr-3584	12	5	a	a	DET
fsr-3584	12	6	challenge	challenge	NOUN
fsr-3584	12	7	for	for	ADP
fsr-3584	12	8	many	many	ADJ
fsr-3584	12	9	workers	worker	NOUN
fsr-3584	12	10	,	,	PUNCT
fsr-3584	12	11	however	however	ADV
fsr-3584	12	12	.	.	PUNCT
fsr-3584	13	1	hanna	hanna	PROPN
fsr-3584	13	2	et	et	PROPN
fsr-3584	13	3	al	al	PROPN
fsr-3584	13	4	.	.	PROPN
fsr-3584	14	1	(	(	PUNCT
fsr-3584	14	2	2017	2017	NUM
fsr-3584	14	3	)	)	PUNCT
fsr-3584	14	4	reported	report	VERB
fsr-3584	14	5	that	that	SCONJ
fsr-3584	14	6	in	in	ADP
fsr-3584	14	7	the	the	DET
fsr-3584	14	8	2013	2013	NUM
fsr-3584	14	9	survey	survey	NOUN
fsr-3584	14	10	of	of	ADP
fsr-3584	14	11	consumer	consumer	NOUN
fsr-3584	14	12	finances	finance	NOUN
fsr-3584	14	13	(	(	PUNCT
fsr-3584	14	14	scf	scf	PROPN
fsr-3584	14	15	)	)	PUNCT
fsr-3584	14	16	dataset	dataset	NOUN
fsr-3584	14	17	,	,	PUNCT
fsr-3584	14	18	18	18	NUM
fsr-3584	14	19	%	%	NOUN
fsr-3584	14	20	of	of	ADP
fsr-3584	14	21	full	full	ADJ
fsr-3584	14	22	-	-	PUNCT
fsr-3584	14	23	time	time	NOUN
fsr-3584	14	24	workers	worker	NOUN
fsr-3584	14	25	aged	age	VERB
fsr-3584	14	26	35	35	NUM
fsr-3584	14	27	to	to	PART
fsr-3584	14	28	60	60	NUM
fsr-3584	14	29	gave	give	VERB
fsr-3584	14	30	a	a	DET
fsr-3584	14	31	“	"	PUNCT
fsr-3584	14	32	never	never	ADV
fsr-3584	14	33	retire	retire	VERB
fsr-3584	14	34	”	"	PUNCT
fsr-3584	14	35	response	response	NOUN
fsr-3584	14	36	when	when	SCONJ
fsr-3584	14	37	asked	ask	VERB
fsr-3584	14	38	at	at	ADP
fsr-3584	14	39	what	what	DET
fsr-3584	14	40	age	age	NOUN
fsr-3584	14	41	they	they	PRON
fsr-3584	14	42	expect	expect	VERB
fsr-3584	14	43	to	to	PART
fsr-3584	14	44	stop	stop	VERB
fsr-3584	14	45	working	work	VERB
fsr-3584	14	46	full	full	ADJ
fsr-3584	14	47	-	-	PUNCT
fsr-3584	14	48	time	time	NOUN
fsr-3584	14	49	.	.	PUNCT
fsr-3584	15	1	while	while	SCONJ
fsr-3584	15	2	a	a	DET
fsr-3584	15	3	never	never	ADV
fsr-3584	15	4	retire	retire	NOUN
fsr-3584	15	5	answer	answer	NOUN
fsr-3584	15	6	might	might	AUX
fsr-3584	15	7	be	be	AUX
fsr-3584	15	8	a	a	DET
fsr-3584	15	9	reasonable	reasonable	ADJ
fsr-3584	15	10	response	response	NOUN
fsr-3584	15	11	for	for	ADP
fsr-3584	15	12	some	some	DET
fsr-3584	15	13	workers	worker	NOUN
fsr-3584	15	14	,	,	PUNCT
fsr-3584	15	15	there	there	PRON
fsr-3584	15	16	is	be	VERB
fsr-3584	15	17	evidence	evidence	NOUN
fsr-3584	15	18	that	that	SCONJ
fsr-3584	15	19	most	most	ADJ
fsr-3584	15	20	workers	worker	NOUN
fsr-3584	15	21	who	who	PRON
fsr-3584	15	22	state	state	VERB
fsr-3584	15	23	that	that	SCONJ
fsr-3584	15	24	they	they	PRON
fsr-3584	15	25	will	will	AUX
fsr-3584	15	26	never	never	ADV
fsr-3584	15	27	retire	retire	VERB
fsr-3584	15	28	failed	fail	VERB
fsr-3584	15	29	to	to	PART
fsr-3584	15	30	engage	engage	VERB
fsr-3584	15	31	in	in	ADP
fsr-3584	15	32	retirement	retirement	NOUN
fsr-3584	15	33	planning	planning	NOUN
fsr-3584	15	34	.	.	PUNCT
fsr-3584	16	1	it	it	PRON
fsr-3584	16	2	is	be	AUX
fsr-3584	16	3	worth	worth	ADJ
fsr-3584	16	4	noting	note	VERB
fsr-3584	16	5	that	that	SCONJ
fsr-3584	16	6	hanna	hanna	PROPN
fsr-3584	16	7	et	et	PROPN
fsr-3584	16	8	al	al	PROPN
fsr-3584	16	9	.	.	PROPN
fsr-3584	16	10	did	do	AUX
fsr-3584	16	11	not	not	PART
fsr-3584	16	12	include	include	VERB
fsr-3584	16	13	financial	financial	ADJ
fsr-3584	16	14	knowledge	knowledge	NOUN
fsr-3584	16	15	as	as	ADP
fsr-3584	16	16	an	an	DET
fsr-3584	16	17	independent	independent	ADJ
fsr-3584	16	18	variable	variable	NOUN
fsr-3584	16	19	.	.	PUNCT
fsr-3584	17	1	our	our	PRON
fsr-3584	17	2	1	1	NUM
fsr-3584	17	3	corresponding	correspond	VERB
fsr-3584	17	4	author	author	NOUN
fsr-3584	17	5	(	(	PUNCT
fsr-3584	17	6	zhang.10558@osu.edu	zhang.10558@osu.edu	NUM
fsr-3584	17	7	)	)	PUNCT
fsr-3584	17	8	.	.	PUNCT
fsr-3584	18	1	the	the	DET
fsr-3584	18	2	ohio	ohio	PROPN
fsr-3584	18	3	state	state	PROPN
fsr-3584	18	4	university	university	PROPN
fsr-3584	18	5	,	,	PUNCT
fsr-3584	18	6	columbus	columbus	PROPN
fsr-3584	18	7	,	,	PUNCT
fsr-3584	18	8	ohio	ohio	PROPN
fsr-3584	18	9	,	,	PUNCT
fsr-3584	18	10	usa	usa	PROPN
fsr-3584	18	11	2	2	NUM
fsr-3584	18	12	the	the	DET
fsr-3584	18	13	ohio	ohio	PROPN
fsr-3584	18	14	state	state	PROPN
fsr-3584	18	15	university	university	PROPN
fsr-3584	18	16	,	,	PUNCT
fsr-3584	18	17	columbus	columbus	PROPN
fsr-3584	18	18	,	,	PUNCT
fsr-3584	18	19	ohio	ohio	PROPN
fsr-3584	18	20	,	,	PUNCT
fsr-3584	18	21	usa	usa	PROPN
fsr-3584	18	22	3	3	NUM
fsr-3584	18	23	the	the	DET
fsr-3584	18	24	ohio	ohio	PROPN
fsr-3584	18	25	state	state	PROPN
fsr-3584	18	26	university	university	PROPN
fsr-3584	18	27	,	,	PUNCT
fsr-3584	18	28	columbus	columbus	PROPN
fsr-3584	18	29	,	,	PUNCT
fsr-3584	18	30	ohio	ohio	PROPN
fsr-3584	18	31	,	,	PUNCT
fsr-3584	18	32	usa	usa	PROPN
fsr-3584	18	33	research	research	PROPN
fsr-3584	18	34	analyzes	analyze	VERB
fsr-3584	18	35	a	a	DET
fsr-3584	18	36	combination	combination	NOUN
fsr-3584	18	37	of	of	ADP
fsr-3584	18	38	the	the	DET
fsr-3584	18	39	2016	2016	NUM
fsr-3584	18	40	and	and	CCONJ
fsr-3584	18	41	2019	2019	NUM
fsr-3584	18	42	scf	scf	PROPN
fsr-3584	18	43	datasets	dataset	NOUN
fsr-3584	18	44	,	,	PUNCT
fsr-3584	18	45	with	with	ADP
fsr-3584	18	46	financial	financial	ADJ
fsr-3584	18	47	knowledge	knowledge	NOUN
fsr-3584	18	48	variables	variable	NOUN
fsr-3584	18	49	in	in	ADP
fsr-3584	18	50	addition	addition	NOUN
fsr-3584	18	51	to	to	ADP
fsr-3584	18	52	the	the	DET
fsr-3584	18	53	independent	independent	ADJ
fsr-3584	18	54	variables	variable	NOUN
fsr-3584	18	55	included	include	VERB
fsr-3584	18	56	by	by	ADP
fsr-3584	18	57	hanna	hanna	PROPN
fsr-3584	18	58	et	et	PROPN
fsr-3584	18	59	al	al	PROPN
fsr-3584	18	60	.	.	PUNCT
fsr-3584	19	1	the	the	DET
fsr-3584	19	2	notion	notion	NOUN
fsr-3584	19	3	of	of	ADP
fsr-3584	19	4	reporting	report	VERB
fsr-3584	19	5	an	an	DET
fsr-3584	19	6	intention	intention	NOUN
fsr-3584	19	7	to	to	PART
fsr-3584	19	8	never	never	ADV
fsr-3584	19	9	retire	retire	VERB
fsr-3584	19	10	has	have	VERB
fsr-3584	19	11	important	important	ADJ
fsr-3584	19	12	educational	educational	ADJ
fsr-3584	19	13	and	and	CCONJ
fsr-3584	19	14	policy	policy	NOUN
fsr-3584	19	15	implications	implication	NOUN
fsr-3584	19	16	.	.	PUNCT
fsr-3584	20	1	workers	worker	NOUN
fsr-3584	20	2	who	who	PRON
fsr-3584	20	3	plan	plan	VERB
fsr-3584	20	4	to	to	PART
fsr-3584	20	5	never	never	ADV
fsr-3584	20	6	retire	retire	VERB
fsr-3584	20	7	or	or	CCONJ
fsr-3584	20	8	retire	retire	VERB
fsr-3584	20	9	very	very	ADV
fsr-3584	20	10	late	late	ADV
fsr-3584	20	11	may	may	AUX
fsr-3584	20	12	face	face	VERB
fsr-3584	20	13	lower	low	ADJ
fsr-3584	20	14	risks	risk	NOUN
fsr-3584	20	15	from	from	ADP
fsr-3584	20	16	having	have	VERB
fsr-3584	20	17	inadequate	inadequate	ADJ
fsr-3584	20	18	retirement	retirement	NOUN
fsr-3584	20	19	income	income	NOUN
fsr-3584	20	20	compared	compare	VERB
fsr-3584	20	21	to	to	ADP
fsr-3584	20	22	others	other	NOUN
fsr-3584	20	23	.	.	PUNCT
fsr-3584	21	1	workers	worker	NOUN
fsr-3584	21	2	who	who	PRON
fsr-3584	21	3	choose	choose	VERB
fsr-3584	21	4	to	to	PART
fsr-3584	21	5	never	never	ADV
fsr-3584	21	6	retire	retire	VERB
fsr-3584	21	7	do	do	AUX
fsr-3584	21	8	not	not	PART
fsr-3584	21	9	need	need	VERB
fsr-3584	21	10	to	to	PART
fsr-3584	21	11	worry	worry	VERB
fsr-3584	21	12	much	much	ADV
fsr-3584	21	13	about	about	ADP
fsr-3584	21	14	saving	save	VERB
fsr-3584	21	15	money	money	NOUN
fsr-3584	21	16	in	in	ADP
fsr-3584	21	17	their	their	PRON
fsr-3584	21	18	retirement	retirement	NOUN
fsr-3584	21	19	accounts	account	NOUN
fsr-3584	21	20	because	because	SCONJ
fsr-3584	21	21	their	their	PRON
fsr-3584	21	22	income	income	NOUN
fsr-3584	21	23	levels	level	NOUN
fsr-3584	21	24	will	will	AUX
fsr-3584	21	25	be	be	AUX
fsr-3584	21	26	less	less	ADV
fsr-3584	21	27	likely	likely	ADJ
fsr-3584	21	28	to	to	PART
fsr-3584	21	29	drop	drop	VERB
fsr-3584	21	30	at	at	ADP
fsr-3584	21	31	the	the	DET
fsr-3584	21	32	normal	normal	ADJ
fsr-3584	21	33	retirement	retirement	NOUN
fsr-3584	21	34	age	age	NOUN
fsr-3584	21	35	.	.	PUNCT
fsr-3584	22	1	therefore	therefore	ADV
fsr-3584	22	2	,	,	PUNCT
fsr-3584	22	3	under	under	ADP
fsr-3584	22	4	certain	certain	ADJ
fsr-3584	22	5	circumstances	circumstance	NOUN
fsr-3584	22	6	,	,	PUNCT
fsr-3584	22	7	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3584	22	8	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3584	22	9	zhang	zhang	PROPN
fsr-3584	22	10	et	et	PROPN
fsr-3584	22	11	al	al	PROPN
fsr-3584	22	12	.	.	PROPN
fsr-3584	22	13	21	21	NUM
fsr-3584	22	14	choosing	choose	VERB
fsr-3584	22	15	never	never	ADV
fsr-3584	22	16	to	to	PART
fsr-3584	22	17	retire	retire	VERB
fsr-3584	22	18	might	might	AUX
fsr-3584	22	19	be	be	AUX
fsr-3584	22	20	a	a	DET
fsr-3584	22	21	rational	rational	ADJ
fsr-3584	22	22	decision	decision	NOUN
fsr-3584	22	23	.	.	PUNCT
fsr-3584	23	1	however	however	ADV
fsr-3584	23	2	,	,	PUNCT
fsr-3584	23	3	from	from	ADP
fsr-3584	23	4	1910	1910	NUM
fsr-3584	23	5	to	to	ADP
fsr-3584	23	6	2001	2001	NUM
fsr-3584	23	7	,	,	PUNCT
fsr-3584	23	8	the	the	DET
fsr-3584	23	9	average	average	ADJ
fsr-3584	23	10	retirement	retirement	NOUN
fsr-3584	23	11	age	age	NOUN
fsr-3584	23	12	of	of	ADP
fsr-3584	23	13	workers	worker	NOUN
fsr-3584	23	14	substantially	substantially	ADV
fsr-3584	23	15	decreased	decrease	VERB
fsr-3584	23	16	,	,	PUNCT
fsr-3584	23	17	from	from	ADP
fsr-3584	23	18	older	old	ADJ
fsr-3584	23	19	than	than	ADP
fsr-3584	23	20	70	70	NUM
fsr-3584	23	21	to	to	PART
fsr-3584	23	22	under	under	ADP
fsr-3584	23	23	65	65	NUM
fsr-3584	23	24	(	(	PUNCT
fsr-3584	23	25	burtless	burtless	NOUN
fsr-3584	23	26	&	&	CCONJ
fsr-3584	23	27	quinn	quinn	PROPN
fsr-3584	23	28	,	,	PUNCT
fsr-3584	23	29	2002	2002	NUM
fsr-3584	23	30	)	)	PUNCT
fsr-3584	23	31	.	.	PUNCT
fsr-3584	24	1	based	base	VERB
fsr-3584	24	2	on	on	ADP
fsr-3584	24	3	this	this	DET
fsr-3584	24	4	trend	trend	NOUN
fsr-3584	24	5	,	,	PUNCT
fsr-3584	24	6	it	it	PRON
fsr-3584	24	7	is	be	AUX
fsr-3584	24	8	unlikely	unlikely	ADJ
fsr-3584	24	9	that	that	SCONJ
fsr-3584	24	10	many	many	ADJ
fsr-3584	24	11	workers	worker	NOUN
fsr-3584	24	12	really	really	ADV
fsr-3584	24	13	expect	expect	VERB
fsr-3584	24	14	to	to	PART
fsr-3584	24	15	never	never	ADV
fsr-3584	24	16	retire	retire	VERB
fsr-3584	24	17	,	,	PUNCT
fsr-3584	24	18	even	even	ADV
fsr-3584	24	19	if	if	SCONJ
fsr-3584	24	20	they	they	PRON
fsr-3584	24	21	report	report	VERB
fsr-3584	24	22	an	an	DET
fsr-3584	24	23	unwillingness	unwillingness	NOUN
fsr-3584	24	24	to	to	PART
fsr-3584	24	25	retire	retire	VERB
fsr-3584	24	26	.	.	PUNCT
fsr-3584	25	1	some	some	DET
fsr-3584	25	2	workers	worker	NOUN
fsr-3584	25	3	may	may	AUX
fsr-3584	25	4	fail	fail	VERB
fsr-3584	25	5	to	to	PART
fsr-3584	25	6	plan	plan	VERB
fsr-3584	25	7	for	for	ADP
fsr-3584	25	8	retirement	retirement	NOUN
fsr-3584	25	9	and	and	CCONJ
fsr-3584	25	10	then	then	ADV
fsr-3584	25	11	choose	choose	VERB
fsr-3584	25	12	the	the	PRON
fsr-3584	25	13	never	never	ADV
fsr-3584	25	14	retire	retire	VERB
fsr-3584	25	15	response	response	NOUN
fsr-3584	25	16	when	when	SCONJ
fsr-3584	25	17	asked	ask	VERB
fsr-3584	25	18	because	because	SCONJ
fsr-3584	25	19	they	they	PRON
fsr-3584	25	20	have	have	VERB
fsr-3584	25	21	no	no	DET
fsr-3584	25	22	idea	idea	NOUN
fsr-3584	25	23	at	at	ADP
fsr-3584	25	24	what	what	DET
fsr-3584	25	25	age	age	NOUN
fsr-3584	25	26	they	they	PRON
fsr-3584	25	27	can	can	AUX
fsr-3584	25	28	retire	retire	VERB
fsr-3584	25	29	.	.	PUNCT
fsr-3584	26	1	this	this	PRON
fsr-3584	26	2	suggests	suggest	VERB
fsr-3584	26	3	that	that	SCONJ
fsr-3584	26	4	providing	provide	VERB
fsr-3584	26	5	a	a	DET
fsr-3584	26	6	never	never	ADV
fsr-3584	26	7	retire	retire	NOUN
fsr-3584	26	8	response	response	NOUN
fsr-3584	26	9	might	might	AUX
fsr-3584	26	10	be	be	AUX
fsr-3584	26	11	an	an	DET
fsr-3584	26	12	indication	indication	NOUN
fsr-3584	26	13	of	of	ADP
fsr-3584	26	14	retirement	retirement	NOUN
fsr-3584	26	15	inadequacy	inadequacy	NOUN
fsr-3584	26	16	.	.	PUNCT
fsr-3584	27	1	in	in	ADP
fsr-3584	27	2	this	this	DET
fsr-3584	27	3	regard	regard	NOUN
fsr-3584	27	4	,	,	PUNCT
fsr-3584	27	5	hanna	hanna	PROPN
fsr-3584	27	6	et	et	PROPN
fsr-3584	27	7	al	al	PROPN
fsr-3584	27	8	.	.	PROPN
fsr-3584	27	9	(	(	PUNCT
fsr-3584	27	10	2017	2017	NUM
fsr-3584	27	11	)	)	PUNCT
fsr-3584	27	12	concluded	conclude	VERB
fsr-3584	27	13	that	that	SCONJ
fsr-3584	27	14	the	the	DET
fsr-3584	27	15	expectation	expectation	NOUN
fsr-3584	27	16	of	of	ADP
fsr-3584	27	17	never	never	ADV
fsr-3584	27	18	retiring	retire	VERB
fsr-3584	27	19	is	be	AUX
fsr-3584	27	20	a	a	DET
fsr-3584	27	21	signal	signal	NOUN
fsr-3584	27	22	that	that	SCONJ
fsr-3584	27	23	workers	worker	NOUN
fsr-3584	27	24	have	have	AUX
fsr-3584	27	25	failed	fail	VERB
fsr-3584	27	26	to	to	PART
fsr-3584	27	27	prepare	prepare	VERB
fsr-3584	27	28	for	for	ADP
fsr-3584	27	29	their	their	PRON
fsr-3584	27	30	retirement	retirement	NOUN
fsr-3584	27	31	,	,	PUNCT
fsr-3584	27	32	rather	rather	ADV
fsr-3584	27	33	than	than	ADP
fsr-3584	27	34	indicating	indicate	VERB
fsr-3584	27	35	a	a	DET
fsr-3584	27	36	preference	preference	NOUN
fsr-3584	27	37	for	for	ADP
fsr-3584	27	38	working	work	VERB
fsr-3584	27	39	forever	forever	ADV
fsr-3584	27	40	.	.	PUNCT
fsr-3584	28	1	therefore	therefore	ADV
fsr-3584	28	2	,	,	PUNCT
fsr-3584	28	3	investigating	investigate	VERB
fsr-3584	28	4	the	the	DET
fsr-3584	28	5	relationship	relationship	NOUN
fsr-3584	28	6	between	between	ADP
fsr-3584	28	7	financial	financial	ADJ
fsr-3584	28	8	knowledge	knowledge	NOUN
fsr-3584	28	9	and	and	CCONJ
fsr-3584	28	10	the	the	PRON
fsr-3584	28	11	never	never	ADV
fsr-3584	28	12	retire	retire	VERB
fsr-3584	28	13	response	response	NOUN
fsr-3584	28	14	may	may	AUX
fsr-3584	28	15	provide	provide	VERB
fsr-3584	28	16	valuable	valuable	ADJ
fsr-3584	28	17	insights	insight	NOUN
fsr-3584	28	18	for	for	ADP
fsr-3584	28	19	financial	financial	ADJ
fsr-3584	28	20	educators	educator	NOUN
fsr-3584	28	21	and	and	CCONJ
fsr-3584	28	22	policymakers	policymaker	NOUN
fsr-3584	28	23	.	.	PUNCT
fsr-3584	29	1	background	background	NOUN
fsr-3584	29	2	financial	financial	ADJ
fsr-3584	29	3	knowledge	knowledge	NOUN
fsr-3584	29	4	has	have	AUX
fsr-3584	29	5	been	be	AUX
fsr-3584	29	6	defined	define	VERB
fsr-3584	29	7	in	in	ADP
fsr-3584	29	8	various	various	ADJ
fsr-3584	29	9	ways	way	NOUN
fsr-3584	29	10	,	,	PUNCT
fsr-3584	29	11	and	and	CCONJ
fsr-3584	29	12	sometimes	sometimes	ADV
fsr-3584	29	13	has	have	AUX
fsr-3584	29	14	been	be	AUX
fsr-3584	29	15	used	use	VERB
fsr-3584	29	16	interchangeably	interchangeably	ADV
fsr-3584	29	17	with	with	ADP
fsr-3584	29	18	the	the	DET
fsr-3584	29	19	term	term	NOUN
fsr-3584	29	20	financial	financial	ADJ
fsr-3584	29	21	literacy	literacy	NOUN
fsr-3584	29	22	(	(	PUNCT
fsr-3584	29	23	huston	huston	PROPN
fsr-3584	29	24	,	,	PUNCT
fsr-3584	29	25	2010	2010	NUM
fsr-3584	29	26	)	)	PUNCT
fsr-3584	29	27	.	.	PUNCT
fsr-3584	30	1	financial	financial	ADJ
fsr-3584	30	2	knowledge	knowledge	NOUN
fsr-3584	30	3	is	be	AUX
fsr-3584	30	4	typically	typically	ADV
fsr-3584	30	5	measured	measure	VERB
fsr-3584	30	6	either	either	CCONJ
fsr-3584	30	7	objectively	objectively	ADV
fsr-3584	30	8	(	(	PUNCT
fsr-3584	30	9	i.e.	i.e.	X
fsr-3584	30	10	,	,	PUNCT
fsr-3584	30	11	being	be	AUX
fsr-3584	30	12	able	able	ADJ
fsr-3584	30	13	to	to	PART
fsr-3584	30	14	correctly	correctly	ADV
fsr-3584	30	15	answer	answer	VERB
fsr-3584	30	16	questions	question	NOUN
fsr-3584	30	17	related	relate	VERB
fsr-3584	30	18	to	to	ADP
fsr-3584	30	19	financial	financial	ADJ
fsr-3584	30	20	decisions	decision	NOUN
fsr-3584	30	21	)	)	PUNCT
fsr-3584	30	22	or	or	CCONJ
fsr-3584	30	23	subjectively	subjectively	ADV
fsr-3584	30	24	(	(	PUNCT
fsr-3584	30	25	e.g.	e.g.	ADV
fsr-3584	30	26	,	,	PUNCT
fsr-3584	30	27	a	a	DET
fsr-3584	30	28	self	self	NOUN
fsr-3584	30	29	-	-	PUNCT
fsr-3584	30	30	described	describe	VERB
fsr-3584	30	31	perception	perception	NOUN
fsr-3584	30	32	of	of	ADP
fsr-3584	30	33	knowledge	knowledge	NOUN
fsr-3584	30	34	)	)	PUNCT
fsr-3584	30	35	.	.	PUNCT
fsr-3584	31	1	many	many	ADJ
fsr-3584	31	2	previous	previous	ADJ
fsr-3584	31	3	studies	study	NOUN
fsr-3584	31	4	have	have	AUX
fsr-3584	31	5	found	find	VERB
fsr-3584	31	6	effects	effect	NOUN
fsr-3584	31	7	of	of	ADP
fsr-3584	31	8	financial	financial	ADJ
fsr-3584	31	9	knowledge	knowledge	NOUN
fsr-3584	31	10	on	on	ADP
fsr-3584	31	11	financial	financial	ADJ
fsr-3584	31	12	behavior	behavior	NOUN
fsr-3584	31	13	,	,	PUNCT
fsr-3584	31	14	so	so	ADV
fsr-3584	31	15	in	in	ADP
fsr-3584	31	16	this	this	DET
fsr-3584	31	17	study	study	NOUN
fsr-3584	31	18	,	,	PUNCT
fsr-3584	31	19	we	we	PRON
fsr-3584	31	20	focus	focus	VERB
fsr-3584	31	21	on	on	ADP
fsr-3584	31	22	the	the	DET
fsr-3584	31	23	effect	effect	NOUN
fsr-3584	31	24	of	of	ADP
fsr-3584	31	25	objective	objective	ADJ
fsr-3584	31	26	financial	financial	ADJ
fsr-3584	31	27	knowledge	knowledge	NOUN
fsr-3584	31	28	,	,	PUNCT
fsr-3584	31	29	as	as	SCONJ
fsr-3584	31	30	measured	measure	VERB
fsr-3584	31	31	by	by	ADP
fsr-3584	31	32	the	the	DET
fsr-3584	31	33	proportion	proportion	NOUN
fsr-3584	31	34	of	of	ADP
fsr-3584	31	35	financial	financial	ADJ
fsr-3584	31	36	questions	question	NOUN
fsr-3584	31	37	answered	answer	VERB
fsr-3584	31	38	correctly	correctly	ADV
fsr-3584	31	39	,	,	PUNCT
fsr-3584	31	40	combined	combine	VERB
fsr-3584	31	41	with	with	ADP
fsr-3584	31	42	a	a	DET
fsr-3584	31	43	person	person	NOUN
fsr-3584	31	44	’s	’s	PART
fsr-3584	31	45	subjective	subjective	ADJ
fsr-3584	31	46	perception	perception	NOUN
fsr-3584	31	47	of	of	ADP
fsr-3584	31	48	their	their	PRON
fsr-3584	31	49	financial	financial	ADJ
fsr-3584	31	50	knowledge	knowledge	NOUN
fsr-3584	31	51	.	.	PUNCT
fsr-3584	32	1	some	some	DET
fsr-3584	32	2	researchers	researcher	NOUN
fsr-3584	32	3	report	report	VERB
fsr-3584	32	4	a	a	DET
fsr-3584	32	5	lack	lack	NOUN
fsr-3584	32	6	of	of	ADP
fsr-3584	32	7	financial	financial	ADJ
fsr-3584	32	8	knowledge	knowledge	NOUN
fsr-3584	32	9	among	among	ADP
fsr-3584	32	10	those	those	PRON
fsr-3584	32	11	living	live	VERB
fsr-3584	32	12	in	in	ADP
fsr-3584	32	13	the	the	DET
fsr-3584	32	14	united	united	PROPN
fsr-3584	32	15	states	states	PROPN
fsr-3584	32	16	across	across	ADP
fsr-3584	32	17	age	age	NOUN
fsr-3584	32	18	bands	band	NOUN
fsr-3584	32	19	(	(	PUNCT
fsr-3584	32	20	lusardi	lusardi	PROPN
fsr-3584	32	21	&	&	CCONJ
fsr-3584	32	22	mitchell	mitchell	PROPN
fsr-3584	32	23	,	,	PUNCT
fsr-3584	32	24	2007	2007	NUM
fsr-3584	32	25	;	;	PUNCT
fsr-3584	32	26	mandell	mandell	PROPN
fsr-3584	32	27	&	&	CCONJ
fsr-3584	32	28	klein	klein	PROPN
fsr-3584	32	29	,	,	PUNCT
fsr-3584	32	30	2009	2009	NUM
fsr-3584	32	31	)	)	PUNCT
fsr-3584	32	32	.	.	PUNCT
fsr-3584	33	1	some	some	DET
fsr-3584	33	2	studies	study	NOUN
fsr-3584	33	3	find	find	VERB
fsr-3584	33	4	that	that	SCONJ
fsr-3584	33	5	the	the	DET
fsr-3584	33	6	relationship	relationship	NOUN
fsr-3584	33	7	between	between	ADP
fsr-3584	33	8	financial	financial	ADJ
fsr-3584	33	9	knowledge	knowledge	NOUN
fsr-3584	33	10	and	and	CCONJ
fsr-3584	33	11	individuals	individual	NOUN
fsr-3584	33	12	’	'	PUNCT
fsr-3584	33	13	behavior	behavior	NOUN
fsr-3584	33	14	to	to	PART
fsr-3584	33	15	be	be	AUX
fsr-3584	33	16	complicated	complicated	ADJ
fsr-3584	33	17	since	since	SCONJ
fsr-3584	33	18	financial	financial	ADJ
fsr-3584	33	19	knowledge	knowledge	NOUN
fsr-3584	33	20	does	do	AUX
fsr-3584	33	21	not	not	PART
fsr-3584	33	22	automatically	automatically	ADV
fsr-3584	33	23	result	result	VERB
fsr-3584	33	24	in	in	ADP
fsr-3584	33	25	optimal	optimal	ADJ
fsr-3584	33	26	financial	financial	ADJ
fsr-3584	33	27	decision	decision	NOUN
fsr-3584	33	28	-	-	PUNCT
fsr-3584	33	29	making	making	NOUN
fsr-3584	33	30	or	or	CCONJ
fsr-3584	33	31	behavioral	behavioral	ADJ
fsr-3584	33	32	outcomes	outcome	NOUN
fsr-3584	33	33	(	(	PUNCT
fsr-3584	33	34	braunstein	braunstein	NOUN
fsr-3584	33	35	&	&	CCONJ
fsr-3584	33	36	welch	welch	PROPN
fsr-3584	33	37	,	,	PUNCT
fsr-3584	33	38	2002	2002	NUM
fsr-3584	33	39	)	)	PUNCT
fsr-3584	33	40	.	.	PUNCT
fsr-3584	34	1	understanding	understand	VERB
fsr-3584	34	2	the	the	DET
fsr-3584	34	3	relationship	relationship	NOUN
fsr-3584	34	4	between	between	ADP
fsr-3584	34	5	financial	financial	ADJ
fsr-3584	34	6	knowledge	knowledge	NOUN
fsr-3584	34	7	and	and	CCONJ
fsr-3584	34	8	financial	financial	ADJ
fsr-3584	34	9	decision	decision	NOUN
fsr-3584	34	10	-	-	PUNCT
fsr-3584	34	11	making	making	NOUN
fsr-3584	34	12	is	be	AUX
fsr-3584	34	13	increasingly	increasingly	ADV
fsr-3584	34	14	recognized	recognize	VERB
fsr-3584	34	15	as	as	ADP
fsr-3584	34	16	an	an	DET
fsr-3584	34	17	area	area	NOUN
fsr-3584	34	18	of	of	ADP
fsr-3584	34	19	critical	critical	ADJ
fsr-3584	34	20	importance	importance	NOUN
fsr-3584	34	21	.	.	PUNCT
fsr-3584	35	1	objective	objective	ADJ
fsr-3584	35	2	financial	financial	ADJ
fsr-3584	35	3	knowledge	knowledge	NOUN
fsr-3584	35	4	,	,	PUNCT
fsr-3584	35	5	which	which	PRON
fsr-3584	35	6	reflects	reflect	VERB
fsr-3584	35	7	the	the	DET
fsr-3584	35	8	actual	actual	ADJ
fsr-3584	35	9	understanding	understanding	NOUN
fsr-3584	35	10	of	of	ADP
fsr-3584	35	11	financial	financial	ADJ
fsr-3584	35	12	matters	matter	NOUN
fsr-3584	35	13	,	,	PUNCT
fsr-3584	35	14	and	and	CCONJ
fsr-3584	35	15	subjective	subjective	ADJ
fsr-3584	35	16	financial	financial	ADJ
fsr-3584	35	17	knowledge	knowledge	NOUN
fsr-3584	35	18	,	,	PUNCT
fsr-3584	35	19	which	which	PRON
fsr-3584	35	20	reflects	reflect	VERB
fsr-3584	35	21	perceived	perceive	VERB
fsr-3584	35	22	financial	financial	ADJ
fsr-3584	35	23	knowledge	knowledge	NOUN
fsr-3584	35	24	,	,	PUNCT
fsr-3584	35	25	is	be	AUX
fsr-3584	35	26	known	know	VERB
fsr-3584	35	27	,	,	PUNCT
fsr-3584	35	28	for	for	ADP
fsr-3584	35	29	example	example	NOUN
fsr-3584	35	30	,	,	PUNCT
fsr-3584	35	31	to	to	PART
fsr-3584	35	32	significantly	significantly	ADV
fsr-3584	35	33	impact	impact	VERB
fsr-3584	35	34	workers	worker	NOUN
fsr-3584	35	35	’	’	PART
fsr-3584	35	36	important	important	ADJ
fsr-3584	35	37	financial	financial	ADJ
fsr-3584	35	38	decisions	decision	NOUN
fsr-3584	35	39	,	,	PUNCT
fsr-3584	35	40	such	such	ADJ
fsr-3584	35	41	as	as	ADP
fsr-3584	35	42	hardship	hardship	NOUN
fsr-3584	35	43	withdrawals	withdrawal	NOUN
fsr-3584	35	44	from	from	ADP
fsr-3584	35	45	retirement	retirement	NOUN
fsr-3584	35	46	accounts	account	NOUN
fsr-3584	35	47	(	(	PUNCT
fsr-3584	35	48	lee	lee	PROPN
fsr-3584	35	49	&	&	CCONJ
fsr-3584	35	50	hanna	hanna	PROPN
fsr-3584	35	51	,	,	PUNCT
fsr-3584	35	52	2020	2020	NUM
fsr-3584	35	53	;	;	PUNCT
fsr-3584	35	54	utkus	utkus	NOUN
fsr-3584	35	55	&	&	CCONJ
fsr-3584	35	56	young	young	ADJ
fsr-3584	35	57	,	,	PUNCT
fsr-3584	35	58	2011	2011	NUM
fsr-3584	35	59	)	)	PUNCT
fsr-3584	35	60	.	.	PUNCT
fsr-3584	36	1	financial	financial	ADJ
fsr-3584	36	2	decisions	decision	NOUN
fsr-3584	36	3	made	make	VERB
fsr-3584	36	4	by	by	ADP
fsr-3584	36	5	workers	worker	NOUN
fsr-3584	36	6	can	can	AUX
fsr-3584	36	7	also	also	ADV
fsr-3584	36	8	be	be	AUX
fsr-3584	36	9	impacted	impact	VERB
fsr-3584	36	10	by	by	ADP
fsr-3584	36	11	financial	financial	ADJ
fsr-3584	36	12	knowledge	knowledge	NOUN
fsr-3584	36	13	overconfidence	overconfidence	NOUN
fsr-3584	36	14	,	,	PUNCT
fsr-3584	36	15	which	which	PRON
fsr-3584	36	16	has	have	AUX
fsr-3584	36	17	been	be	AUX
fsr-3584	36	18	defined	define	VERB
fsr-3584	36	19	as	as	ADP
fsr-3584	36	20	exhibiting	exhibit	VERB
fsr-3584	36	21	an	an	DET
fsr-3584	36	22	aboveaverage	aboveaverage	NOUN
fsr-3584	36	23	subjective	subjective	ADJ
fsr-3584	36	24	financial	financial	ADJ
fsr-3584	36	25	knowledge	knowledge	NOUN
fsr-3584	36	26	level	level	NOUN
fsr-3584	36	27	and	and	CCONJ
fsr-3584	36	28	a	a	DET
fsr-3584	36	29	below	below	ADJ
fsr-3584	36	30	-	-	PUNCT
fsr-3584	36	31	average	average	NOUN
fsr-3584	36	32	objective	objective	ADJ
fsr-3584	36	33	financial	financial	ADJ
fsr-3584	36	34	knowledge	knowledge	NOUN
fsr-3584	36	35	level	level	NOUN
fsr-3584	36	36	.	.	PUNCT
fsr-3584	37	1	lee	lee	PROPN
fsr-3584	37	2	and	and	CCONJ
fsr-3584	37	3	hanna	hanna	PROPN
fsr-3584	37	4	(	(	PUNCT
fsr-3584	37	5	2020	2020	NUM
fsr-3584	37	6	)	)	PUNCT
fsr-3584	37	7	noted	note	VERB
fsr-3584	37	8	that	that	SCONJ
fsr-3584	37	9	workers	worker	NOUN
fsr-3584	37	10	with	with	ADP
fsr-3584	37	11	financial	financial	ADJ
fsr-3584	37	12	knowledge	knowledge	NOUN
fsr-3584	37	13	overconfidence	overconfidence	NOUN
fsr-3584	37	14	are	be	AUX
fsr-3584	37	15	more	more	ADV
fsr-3584	37	16	likely	likely	ADJ
fsr-3584	37	17	to	to	PART
fsr-3584	37	18	make	make	VERB
fsr-3584	37	19	financial	financial	ADJ
fsr-3584	37	20	decisions	decision	NOUN
fsr-3584	37	21	that	that	PRON
fsr-3584	37	22	may	may	AUX
fsr-3584	37	23	damage	damage	VERB
fsr-3584	37	24	their	their	PRON
fsr-3584	37	25	future	future	ADJ
fsr-3584	37	26	retirement	retirement	NOUN
fsr-3584	37	27	income	income	NOUN
fsr-3584	37	28	security	security	NOUN
fsr-3584	37	29	,	,	PUNCT
fsr-3584	37	30	such	such	ADJ
fsr-3584	37	31	as	as	ADP
fsr-3584	37	32	taking	take	VERB
fsr-3584	37	33	early	early	ADJ
fsr-3584	37	34	withdrawals	withdrawal	NOUN
fsr-3584	37	35	from	from	ADP
fsr-3584	37	36	retirement	retirement	NOUN
fsr-3584	37	37	accounts	account	NOUN
fsr-3584	37	38	.	.	PUNCT
fsr-3584	38	1	in	in	ADP
fsr-3584	38	2	some	some	DET
fsr-3584	38	3	studies	study	NOUN
fsr-3584	38	4	,	,	PUNCT
fsr-3584	38	5	taking	take	VERB
fsr-3584	38	6	early	early	ADJ
fsr-3584	38	7	withdrawals	withdrawal	NOUN
fsr-3584	38	8	from	from	ADP
fsr-3584	38	9	retirement	retirement	NOUN
fsr-3584	38	10	accounts	account	NOUN
fsr-3584	38	11	,	,	PUNCT
fsr-3584	38	12	also	also	ADV
fsr-3584	38	13	called	call	VERB
fsr-3584	38	14	leakage	leakage	NOUN
fsr-3584	38	15	of	of	ADP
fsr-3584	38	16	retirement	retirement	NOUN
fsr-3584	38	17	assets	asset	NOUN
fsr-3584	38	18	,	,	PUNCT
fsr-3584	38	19	leaves	leave	VERB
fsr-3584	38	20	household	household	NOUN
fsr-3584	38	21	retirement	retirement	NOUN
fsr-3584	38	22	accounts	account	NOUN
fsr-3584	38	23	underfunded	underfunde	VERB
fsr-3584	38	24	and	and	CCONJ
fsr-3584	38	25	insufficient	insufficient	ADJ
fsr-3584	38	26	in	in	ADP
fsr-3584	38	27	terms	term	NOUN
fsr-3584	38	28	of	of	ADP
fsr-3584	38	29	supporting	support	VERB
fsr-3584	38	30	support	support	NOUN
fsr-3584	38	31	expenditures	expenditure	NOUN
fsr-3584	38	32	when	when	SCONJ
fsr-3584	38	33	the	the	DET
fsr-3584	38	34	account	account	NOUN
fsr-3584	38	35	owner	owner	NOUN
fsr-3584	38	36	retires	retire	VERB
fsr-3584	38	37	(	(	PUNCT
fsr-3584	38	38	bovbjerg	bovbjerg	PROPN
fsr-3584	38	39	,	,	PUNCT
fsr-3584	38	40	2010	2010	NUM
fsr-3584	38	41	;	;	PUNCT
fsr-3584	38	42	engelhardt	engelhardt	NOUN
fsr-3584	38	43	,	,	PUNCT
fsr-3584	38	44	2002	2002	NUM
fsr-3584	38	45	;	;	PUNCT
fsr-3584	38	46	munnell	munnell	PROPN
fsr-3584	38	47	&	&	CCONJ
fsr-3584	38	48	webb	webb	PROPN
fsr-3584	38	49	2015	2015	NUM
fsr-3584	38	50	)	)	PUNCT
fsr-3584	38	51	.	.	PUNCT
fsr-3584	39	1	although	although	SCONJ
fsr-3584	39	2	choosing	choose	VERB
fsr-3584	39	3	never	never	ADV
fsr-3584	39	4	to	to	PART
fsr-3584	39	5	retire	retire	VERB
fsr-3584	39	6	could	could	AUX
fsr-3584	39	7	be	be	AUX
fsr-3584	39	8	a	a	DET
fsr-3584	39	9	rational	rational	ADJ
fsr-3584	39	10	and	and	CCONJ
fsr-3584	39	11	reasonable	reasonable	ADJ
fsr-3584	39	12	decision	decision	NOUN
fsr-3584	39	13	,	,	PUNCT
fsr-3584	39	14	hanna	hanna	PROPN
fsr-3584	39	15	et	et	PROPN
fsr-3584	39	16	al	al	PROPN
fsr-3584	39	17	.	.	PROPN
fsr-3584	40	1	(	(	PUNCT
fsr-3584	40	2	2017	2017	NUM
fsr-3584	40	3	)	)	PUNCT
fsr-3584	40	4	argued	argue	VERB
fsr-3584	40	5	that	that	SCONJ
fsr-3584	40	6	most	most	ADJ
fsr-3584	40	7	respondents	respondent	NOUN
fsr-3584	40	8	giving	give	VERB
fsr-3584	40	9	a	a	DET
fsr-3584	40	10	never	never	ADV
fsr-3584	40	11	retire	retire	NOUN
fsr-3584	40	12	response	response	NOUN
fsr-3584	40	13	had	have	AUX
fsr-3584	40	14	not	not	PART
fsr-3584	40	15	planned	plan	VERB
fsr-3584	40	16	for	for	ADP
fsr-3584	40	17	retirement	retirement	NOUN
fsr-3584	40	18	.	.	PUNCT
fsr-3584	41	1	analyses	analysis	NOUN
fsr-3584	41	2	of	of	ADP
fsr-3584	41	3	never	never	ADV
fsr-3584	41	4	retire	retire	VERB
fsr-3584	41	5	respondents	respondent	NOUN
fsr-3584	41	6	may	may	AUX
fsr-3584	41	7	provide	provide	VERB
fsr-3584	41	8	additional	additional	ADJ
fsr-3584	41	9	insights	insight	NOUN
fsr-3584	41	10	into	into	ADP
fsr-3584	41	11	retirement	retirement	NOUN
fsr-3584	41	12	planning	planning	NOUN
fsr-3584	41	13	and	and	CCONJ
fsr-3584	41	14	retirement	retirement	NOUN
fsr-3584	41	15	adequacy	adequacy	NOUN
fsr-3584	41	16	.	.	PUNCT
fsr-3584	42	1	this	this	DET
fsr-3584	42	2	study	study	NOUN
fsr-3584	42	3	extends	extend	VERB
fsr-3584	42	4	the	the	DET
fsr-3584	42	5	current	current	ADJ
fsr-3584	42	6	literature	literature	NOUN
fsr-3584	42	7	by	by	ADP
fsr-3584	42	8	testing	test	VERB
fsr-3584	42	9	the	the	DET
fsr-3584	42	10	effect	effect	NOUN
fsr-3584	42	11	of	of	ADP
fsr-3584	42	12	objective	objective	ADJ
fsr-3584	42	13	and	and	CCONJ
fsr-3584	42	14	subjective	subjective	ADJ
fsr-3584	42	15	financial	financial	ADJ
fsr-3584	42	16	knowledge	knowledge	NOUN
fsr-3584	42	17	on	on	ADP
fsr-3584	42	18	expected	expect	VERB
fsr-3584	42	19	retirement	retirement	NOUN
fsr-3584	42	20	ages	age	NOUN
fsr-3584	42	21	,	,	PUNCT
fsr-3584	42	22	which	which	PRON
fsr-3584	42	23	is	be	AUX
fsr-3584	42	24	a	a	DET
fsr-3584	42	25	recommendation	recommendation	NOUN
fsr-3584	42	26	made	make	VERB
fsr-3584	42	27	by	by	ADP
fsr-3584	42	28	hanna	hanna	PROPN
fsr-3584	42	29	et	et	PROPN
fsr-3584	42	30	al	al	PROPN
fsr-3584	42	31	.	.	PROPN
fsr-3584	43	1	specifically	specifically	ADV
fsr-3584	43	2	,	,	PUNCT
fsr-3584	43	3	we	we	PRON
fsr-3584	43	4	extend	extend	VERB
fsr-3584	43	5	the	the	DET
fsr-3584	43	6	hanna	hanna	PROPN
fsr-3584	43	7	et	et	PROPN
fsr-3584	43	8	al	al	PROPN
fsr-3584	43	9	.	.	PROPN
fsr-3584	43	10	model	model	PROPN
fsr-3584	43	11	by	by	ADP
fsr-3584	43	12	testing	test	VERB
fsr-3584	43	13	the	the	DET
fsr-3584	43	14	effect	effect	NOUN
fsr-3584	43	15	of	of	ADP
fsr-3584	43	16	financial	financial	ADJ
fsr-3584	43	17	knowledge	knowledge	NOUN
fsr-3584	43	18	on	on	ADP
fsr-3584	43	19	the	the	PRON
fsr-3584	43	20	never	never	ADV
fsr-3584	43	21	retire	retire	VERB
fsr-3584	43	22	response	response	NOUN
fsr-3584	43	23	.	.	PUNCT
fsr-3584	44	1	we	we	PRON
fsr-3584	44	2	also	also	ADV
fsr-3584	44	3	test	test	VERB
fsr-3584	44	4	the	the	DET
fsr-3584	44	5	relationship	relationship	NOUN
fsr-3584	44	6	between	between	ADP
fsr-3584	44	7	overconfidence	overconfidence	NOUN
fsr-3584	44	8	(	(	PUNCT
fsr-3584	44	9	i.e.	i.e.	X
fsr-3584	44	10	,	,	PUNCT
fsr-3584	44	11	high	high	ADJ
fsr-3584	44	12	subjective	subjective	ADJ
fsr-3584	44	13	and	and	CCONJ
fsr-3584	44	14	low	low	ADJ
fsr-3584	44	15	objective	objective	ADJ
fsr-3584	44	16	knowledge	knowledge	NOUN
fsr-3584	44	17	)	)	PUNCT
fsr-3584	44	18	in	in	ADP
fsr-3584	44	19	financial	financial	ADJ
fsr-3584	44	20	knowledge	knowledge	NOUN
fsr-3584	44	21	and	and	CCONJ
fsr-3584	44	22	the	the	PRON
fsr-3584	44	23	never	never	ADV
fsr-3584	44	24	retire	retire	VERB
fsr-3584	44	25	response	response	NOUN
fsr-3584	44	26	.	.	PUNCT
fsr-3584	45	1	this	this	DET
fsr-3584	45	2	study	study	NOUN
fsr-3584	45	3	focuses	focus	VERB
fsr-3584	45	4	on	on	ADP
fsr-3584	45	5	the	the	DET
fsr-3584	45	6	moderating	moderate	VERB
fsr-3584	45	7	role	role	NOUN
fsr-3584	45	8	of	of	ADP
fsr-3584	45	9	financial	financial	ADJ
fsr-3584	45	10	knowledge	knowledge	NOUN
fsr-3584	45	11	on	on	ADP
fsr-3584	45	12	the	the	PRON
fsr-3584	45	13	never	never	ADV
fsr-3584	45	14	retire	retire	VERB
fsr-3584	45	15	response	response	NOUN
fsr-3584	45	16	.	.	PUNCT
fsr-3584	46	1	financial	financial	ADJ
fsr-3584	46	2	services	service	NOUN
fsr-3584	46	3	review	review	PROPN
fsr-3584	46	4	,	,	PUNCT
fsr-3584	46	5	32(3	32(3	NUM
fsr-3584	46	6	)	)	PUNCT
fsr-3584	46	7	22	22	NUM
fsr-3584	46	8	methodology	methodology	NOUN
fsr-3584	46	9	data	datum	NOUN
fsr-3584	46	10	and	and	CCONJ
fsr-3584	46	11	sample	sample	NOUN
fsr-3584	46	12	for	for	ADP
fsr-3584	46	13	this	this	DET
fsr-3584	46	14	paper	paper	NOUN
fsr-3584	46	15	,	,	PUNCT
fsr-3584	46	16	we	we	PRON
fsr-3584	46	17	used	use	VERB
fsr-3584	46	18	a	a	DET
fsr-3584	46	19	combination	combination	NOUN
fsr-3584	46	20	of	of	ADP
fsr-3584	46	21	the	the	DET
fsr-3584	46	22	2016	2016	NUM
fsr-3584	46	23	and	and	CCONJ
fsr-3584	46	24	2019	2019	NUM
fsr-3584	46	25	scf	scf	PROPN
fsr-3584	46	26	datasets	dataset	NOUN
fsr-3584	46	27	(	(	PUNCT
fsr-3584	46	28	bhutta	bhutta	NOUN
fsr-3584	46	29	et	et	NOUN
fsr-3584	46	30	al	al	PROPN
fsr-3584	46	31	.	.	PROPN
fsr-3584	46	32	,	,	PUNCT
fsr-3584	46	33	2020	2020	NUM
fsr-3584	46	34	)	)	PUNCT
fsr-3584	46	35	.	.	PUNCT
fsr-3584	47	1	the	the	DET
fsr-3584	47	2	scf	scf	PROPN
fsr-3584	47	3	data	datum	NOUN
fsr-3584	47	4	has	have	AUX
fsr-3584	47	5	been	be	AUX
fsr-3584	47	6	collected	collect	VERB
fsr-3584	47	7	every	every	DET
fsr-3584	47	8	three	three	NUM
fsr-3584	47	9	years	year	NOUN
fsr-3584	47	10	since	since	SCONJ
fsr-3584	47	11	1983	1983	NUM
fsr-3584	47	12	.	.	PUNCT
fsr-3584	48	1	the	the	DET
fsr-3584	48	2	scf	scf	PROPN
fsr-3584	48	3	is	be	AUX
fsr-3584	48	4	sponsored	sponsor	VERB
fsr-3584	48	5	by	by	ADP
fsr-3584	48	6	the	the	DET
fsr-3584	48	7	u.s	u.s	PROPN
fsr-3584	48	8	.	.	PROPN
fsr-3584	48	9	federal	federal	PROPN
fsr-3584	48	10	reserve	reserve	PROPN
fsr-3584	48	11	board	board	PROPN
fsr-3584	48	12	and	and	CCONJ
fsr-3584	48	13	the	the	DET
fsr-3584	48	14	u.s	u.s	PROPN
fsr-3584	48	15	.	.	PROPN
fsr-3584	48	16	department	department	PROPN
fsr-3584	48	17	of	of	ADP
fsr-3584	48	18	the	the	DET
fsr-3584	48	19	treasury	treasury	NOUN
fsr-3584	48	20	.	.	PUNCT
fsr-3584	49	1	the	the	DET
fsr-3584	49	2	scf	scf	PROPN
fsr-3584	49	3	data	datum	NOUN
fsr-3584	49	4	includes	include	VERB
fsr-3584	49	5	detailed	detailed	ADJ
fsr-3584	49	6	information	information	NOUN
fsr-3584	49	7	on	on	ADP
fsr-3584	49	8	household	household	NOUN
fsr-3584	49	9	characteristics	characteristic	NOUN
fsr-3584	49	10	,	,	PUNCT
fsr-3584	49	11	family	family	NOUN
fsr-3584	49	12	structure	structure	NOUN
fsr-3584	49	13	,	,	PUNCT
fsr-3584	49	14	and	and	CCONJ
fsr-3584	49	15	household	household	NOUN
fsr-3584	49	16	financial	financial	ADJ
fsr-3584	49	17	decisions	decision	NOUN
fsr-3584	49	18	.	.	PUNCT
fsr-3584	50	1	the	the	DET
fsr-3584	50	2	scf	scf	PROPN
fsr-3584	50	3	provides	provide	VERB
fsr-3584	50	4	an	an	DET
fsr-3584	50	5	ideal	ideal	ADJ
fsr-3584	50	6	dataset	dataset	NOUN
fsr-3584	50	7	for	for	ADP
fsr-3584	50	8	a	a	DET
fsr-3584	50	9	retirementrelated	retirementrelate	VERB
fsr-3584	50	10	study	study	NOUN
fsr-3584	50	11	because	because	SCONJ
fsr-3584	50	12	respondents	respondent	NOUN
fsr-3584	50	13	are	be	AUX
fsr-3584	50	14	asked	ask	VERB
fsr-3584	50	15	many	many	ADJ
fsr-3584	50	16	detailed	detailed	ADJ
fsr-3584	50	17	questions	question	NOUN
fsr-3584	50	18	about	about	ADP
fsr-3584	50	19	their	their	PRON
fsr-3584	50	20	retirement	retirement	NOUN
fsr-3584	50	21	attitudes	attitude	NOUN
fsr-3584	50	22	and	and	CCONJ
fsr-3584	50	23	behaviors	behavior	NOUN
fsr-3584	50	24	,	,	PUNCT
fsr-3584	50	25	including	include	VERB
fsr-3584	50	26	their	their	PRON
fsr-3584	50	27	expected	expect	VERB
fsr-3584	50	28	retirement	retirement	NOUN
fsr-3584	50	29	age	age	NOUN
fsr-3584	50	30	,	,	PUNCT
fsr-3584	50	31	characteristics	characteristic	NOUN
fsr-3584	50	32	of	of	ADP
fsr-3584	50	33	retirement	retirement	NOUN
fsr-3584	50	34	pension	pension	NOUN
fsr-3584	50	35	plans	plan	NOUN
fsr-3584	50	36	,	,	PUNCT
fsr-3584	50	37	income	income	NOUN
fsr-3584	50	38	,	,	PUNCT
fsr-3584	50	39	work	work	NOUN
fsr-3584	50	40	status	status	NOUN
fsr-3584	50	41	,	,	PUNCT
fsr-3584	50	42	insurance	insurance	NOUN
fsr-3584	50	43	,	,	PUNCT
fsr-3584	50	44	and	and	CCONJ
fsr-3584	50	45	financial	financial	ADJ
fsr-3584	50	46	assets	asset	NOUN
fsr-3584	50	47	.	.	PUNCT
fsr-3584	51	1	combining	combine	VERB
fsr-3584	51	2	the	the	DET
fsr-3584	51	3	2016	2016	NUM
fsr-3584	51	4	and	and	CCONJ
fsr-3584	51	5	2019	2019	NUM
fsr-3584	51	6	scf	scf	PROPN
fsr-3584	51	7	datasets	dataset	NOUN
fsr-3584	51	8	allows	allow	VERB
fsr-3584	51	9	for	for	ADP
fsr-3584	51	10	more	more	ADV
fsr-3584	51	11	robust	robust	ADJ
fsr-3584	51	12	estimates	estimate	NOUN
fsr-3584	51	13	of	of	ADP
fsr-3584	51	14	some	some	DET
fsr-3584	51	15	effects	effect	NOUN
fsr-3584	51	16	from	from	ADP
fsr-3584	51	17	the	the	DET
fsr-3584	51	18	two	two	NUM
fsr-3584	51	19	survey	survey	NOUN
fsr-3584	51	20	years	year	NOUN
fsr-3584	51	21	that	that	PRON
fsr-3584	51	22	were	be	AUX
fsr-3584	51	23	somewhat	somewhat	ADV
fsr-3584	51	24	similar.4	similar.4	NOUN
fsr-3584	51	25	we	we	PRON
fsr-3584	51	26	did	do	AUX
fsr-3584	51	27	not	not	PART
fsr-3584	51	28	include	include	VERB
fsr-3584	51	29	the	the	DET
fsr-3584	51	30	recently	recently	ADV
fsr-3584	51	31	released	release	VERB
fsr-3584	51	32	2022	2022	NUM
fsr-3584	51	33	scf	scf	PROPN
fsr-3584	51	34	because	because	SCONJ
fsr-3584	51	35	of	of	ADP
fsr-3584	51	36	the	the	DET
fsr-3584	51	37	confounding	confound	VERB
fsr-3584	51	38	effects	effect	NOUN
fsr-3584	51	39	of	of	ADP
fsr-3584	51	40	the	the	DET
fsr-3584	51	41	covid-19	covid-19	PROPN
fsr-3584	51	42	pandemic	pandemic	NOUN
fsr-3584	51	43	.	.	PUNCT
fsr-3584	52	1	when	when	SCONJ
fsr-3584	52	2	considering	consider	VERB
fsr-3584	52	3	the	the	DET
fsr-3584	52	4	results	result	NOUN
fsr-3584	52	5	from	from	ADP
fsr-3584	52	6	this	this	DET
fsr-3584	52	7	study	study	NOUN
fsr-3584	52	8	,	,	PUNCT
fsr-3584	52	9	it	it	PRON
fsr-3584	52	10	is	be	AUX
fsr-3584	52	11	important	important	ADJ
fsr-3584	52	12	to	to	PART
fsr-3584	52	13	understand	understand	VERB
fsr-3584	52	14	how	how	SCONJ
fsr-3584	52	15	data	datum	NOUN
fsr-3584	52	16	are	be	AUX
fsr-3584	52	17	collected	collect	VERB
fsr-3584	52	18	in	in	ADP
fsr-3584	52	19	the	the	DET
fsr-3584	52	20	scf	scf	PROPN
fsr-3584	52	21	.	.	PUNCT
fsr-3584	53	1	there	there	PRON
fsr-3584	53	2	is	be	VERB
fsr-3584	53	3	an	an	DET
fsr-3584	53	4	issue	issue	NOUN
fsr-3584	53	5	of	of	ADP
fsr-3584	53	6	using	use	VERB
fsr-3584	53	7	information	information	NOUN
fsr-3584	53	8	from	from	ADP
fsr-3584	53	9	the	the	DET
fsr-3584	53	10	household	household	NOUN
fsr-3584	53	11	head	head	NOUN
fsr-3584	53	12	versus	versus	ADP
fsr-3584	53	13	the	the	DET
fsr-3584	53	14	survey	survey	NOUN
fsr-3584	53	15	respondent	respondent	NOUN
fsr-3584	53	16	(	(	PUNCT
fsr-3584	53	17	see	see	VERB
fsr-3584	53	18	lindamood	lindamood	NOUN
fsr-3584	53	19	et	et	PROPN
fsr-3584	53	20	al	al	PROPN
fsr-3584	53	21	.	.	PROPN
fsr-3584	53	22	,	,	PUNCT
fsr-3584	53	23	2007	2007	NUM
fsr-3584	53	24	)	)	PUNCT
fsr-3584	53	25	.	.	PUNCT
fsr-3584	54	1	this	this	PRON
fsr-3584	54	2	is	be	AUX
fsr-3584	54	3	not	not	PART
fsr-3584	54	4	an	an	DET
fsr-3584	54	5	issue	issue	NOUN
fsr-3584	54	6	for	for	ADP
fsr-3584	54	7	non	non	ADJ
fsr-3584	54	8	-	-	ADJ
fsr-3584	54	9	couple	couple	ADJ
fsr-3584	54	10	households	household	NOUN
fsr-3584	54	11	,	,	PUNCT
fsr-3584	54	12	but	but	CCONJ
fsr-3584	54	13	it	it	PRON
fsr-3584	54	14	can	can	AUX
fsr-3584	54	15	be	be	AUX
fsr-3584	54	16	an	an	DET
fsr-3584	54	17	issue	issue	NOUN
fsr-3584	54	18	for	for	ADP
fsr-3584	54	19	partnered	partner	VERB
fsr-3584	54	20	households	household	NOUN
fsr-3584	54	21	.	.	PUNCT
fsr-3584	55	1	in	in	ADP
fsr-3584	55	2	the	the	DET
fsr-3584	55	3	2016	2016	NUM
fsr-3584	55	4	scf	scf	PROPN
fsr-3584	55	5	,	,	PUNCT
fsr-3584	55	6	for	for	ADP
fsr-3584	55	7	example	example	NOUN
fsr-3584	55	8	,	,	PUNCT
fsr-3584	55	9	the	the	DET
fsr-3584	55	10	head	head	NOUN
fsr-3584	55	11	is	be	AUX
fsr-3584	55	12	not	not	PART
fsr-3584	55	13	the	the	DET
fsr-3584	55	14	respondent	respondent	NOUN
fsr-3584	55	15	in	in	ADP
fsr-3584	55	16	45	45	NUM
fsr-3584	55	17	%	%	NOUN
fsr-3584	55	18	of	of	ADP
fsr-3584	55	19	households	household	NOUN
fsr-3584	55	20	(	(	PUNCT
fsr-3584	55	21	hanna	hanna	PROPN
fsr-3584	55	22	et	et	PROPN
fsr-3584	55	23	al	al	PROPN
fsr-3584	55	24	.	.	PROPN
fsr-3584	55	25	,	,	PUNCT
fsr-3584	55	26	2018	2018	NUM
fsr-3584	55	27	)	)	PUNCT
fsr-3584	55	28	.	.	PUNCT
fsr-3584	56	1	traditionally	traditionally	ADV
fsr-3584	56	2	,	,	PUNCT
fsr-3584	56	3	the	the	DET
fsr-3584	56	4	head	head	NOUN
fsr-3584	56	5	(	(	PUNCT
fsr-3584	56	6	defined	define	VERB
fsr-3584	56	7	by	by	ADP
fsr-3584	56	8	the	the	DET
fsr-3584	56	9	scf	scf	PROPN
fsr-3584	56	10	as	as	ADP
fsr-3584	56	11	the	the	DET
fsr-3584	56	12	male	male	NOUN
fsr-3584	56	13	in	in	ADP
fsr-3584	56	14	mixed	mixed	ADJ
fsr-3584	56	15	-	-	PUNCT
fsr-3584	56	16	sex	sex	NOUN
fsr-3584	56	17	couples	couple	NOUN
fsr-3584	56	18	)	)	PUNCT
fsr-3584	56	19	has	have	AUX
fsr-3584	56	20	been	be	AUX
fsr-3584	56	21	the	the	DET
fsr-3584	56	22	focus	focus	NOUN
fsr-3584	56	23	of	of	ADP
fsr-3584	56	24	research	research	NOUN
fsr-3584	56	25	in	in	ADP
fsr-3584	56	26	terms	term	NOUN
fsr-3584	56	27	of	of	ADP
fsr-3584	56	28	labor	labor	NOUN
fsr-3584	56	29	force	force	NOUN
fsr-3584	56	30	participation	participation	NOUN
fsr-3584	56	31	and	and	CCONJ
fsr-3584	56	32	earnings	earning	NOUN
fsr-3584	56	33	,	,	PUNCT
fsr-3584	56	34	with	with	ADP
fsr-3584	56	35	males	male	NOUN
fsr-3584	56	36	traditionally	traditionally	ADV
fsr-3584	56	37	being	be	AUX
fsr-3584	56	38	more	more	ADV
fsr-3584	56	39	consistent	consistent	ADJ
fsr-3584	56	40	in	in	ADP
fsr-3584	56	41	labor	labor	NOUN
fsr-3584	56	42	force	force	NOUN
fsr-3584	56	43	participation	participation	NOUN
fsr-3584	56	44	.	.	PUNCT
fsr-3584	57	1	the	the	DET
fsr-3584	57	2	use	use	NOUN
fsr-3584	57	3	of	of	ADP
fsr-3584	57	4	the	the	DET
fsr-3584	57	5	household	household	NOUN
fsr-3584	57	6	head	head	NOUN
fsr-3584	57	7	does	do	AUX
fsr-3584	57	8	present	present	VERB
fsr-3584	57	9	some	some	DET
fsr-3584	57	10	conceptual	conceptual	ADJ
fsr-3584	57	11	challenges	challenge	NOUN
fsr-3584	57	12	for	for	ADP
fsr-3584	57	13	studies	study	NOUN
fsr-3584	57	14	like	like	ADP
fsr-3584	57	15	this	this	DET
fsr-3584	57	16	one	one	NOUN
fsr-3584	57	17	.	.	PUNCT
fsr-3584	58	1	in	in	ADP
fsr-3584	58	2	the	the	DET
fsr-3584	58	3	public	public	ADJ
fsr-3584	58	4	dataset	dataset	NOUN
fsr-3584	58	5	,	,	PUNCT
fsr-3584	58	6	for	for	ADP
fsr-3584	58	7	couple	couple	NOUN
fsr-3584	58	8	households	household	NOUN
fsr-3584	58	9	,	,	PUNCT
fsr-3584	58	10	the	the	DET
fsr-3584	58	11	racial	racial	ADJ
fsr-3584	58	12	/	/	SYM
fsr-3584	58	13	ethnic	ethnic	ADJ
fsr-3584	58	14	identification	identification	NOUN
fsr-3584	58	15	is	be	AUX
fsr-3584	58	16	only	only	ADV
fsr-3584	58	17	available	available	ADJ
fsr-3584	58	18	for	for	ADP
fsr-3584	58	19	the	the	DET
fsr-3584	58	20	respondent	respondent	NOUN
fsr-3584	58	21	.	.	PUNCT
fsr-3584	59	1	the	the	DET
fsr-3584	59	2	respondent	respondent	NOUN
fsr-3584	59	3	answers	answer	VERB
fsr-3584	59	4	all	all	DET
fsr-3584	59	5	attitudinal	attitudinal	ADJ
fsr-3584	59	6	and	and	CCONJ
fsr-3584	59	7	financial	financial	ADJ
fsr-3584	59	8	knowledge	knowledge	NOUN
fsr-3584	59	9	questions	question	NOUN
fsr-3584	59	10	.	.	PUNCT
fsr-3584	60	1	the	the	DET
fsr-3584	60	2	expected	expect	VERB
fsr-3584	60	3	retirement	retirement	NOUN
fsr-3584	60	4	age	age	NOUN
fsr-3584	60	5	of	of	ADP
fsr-3584	60	6	the	the	DET
fsr-3584	60	7	head	head	NOUN
fsr-3584	60	8	is	be	AUX
fsr-3584	60	9	provided	provide	VERB
fsr-3584	60	10	by	by	ADP
fsr-3584	60	11	the	the	DET
fsr-3584	60	12	4	4	NUM
fsr-3584	60	13	our	our	PRON
fsr-3584	60	14	research	research	NOUN
fsr-3584	60	15	approach	approach	NOUN
fsr-3584	60	16	followed	follow	VERB
fsr-3584	60	17	hanna	hanna	PROPN
fsr-3584	60	18	et	et	PROPN
fsr-3584	60	19	al	al	PROPN
fsr-3584	60	20	.	.	PROPN
fsr-3584	61	1	(	(	PUNCT
fsr-3584	61	2	2017	2017	NUM
fsr-3584	61	3	)	)	PUNCT
fsr-3584	61	4	who	who	PRON
fsr-3584	61	5	used	use	VERB
fsr-3584	61	6	a	a	DET
fsr-3584	61	7	sample	sample	NOUN
fsr-3584	61	8	of	of	ADP
fsr-3584	61	9	households	household	NOUN
fsr-3584	61	10	with	with	ADP
fsr-3584	61	11	heads	head	NOUN
fsr-3584	61	12	who	who	PRON
fsr-3584	61	13	were	be	AUX
fsr-3584	61	14	working	work	VERB
fsr-3584	61	15	full	full	ADJ
fsr-3584	61	16	-	-	PUNCT
fsr-3584	61	17	time	time	NOUN
fsr-3584	61	18	and	and	CCONJ
fsr-3584	61	19	aged	aged	ADJ
fsr-3584	61	20	35	35	NUM
fsr-3584	61	21	to	to	PART
fsr-3584	61	22	60	60	NUM
fsr-3584	61	23	years	year	NOUN
fsr-3584	61	24	.	.	PUNCT
fsr-3584	62	1	we	we	PRON
fsr-3584	62	2	followed	follow	VERB
fsr-3584	62	3	their	their	PRON
fsr-3584	62	4	reasoning	reasoning	NOUN
fsr-3584	62	5	in	in	ADP
fsr-3584	62	6	the	the	DET
fsr-3584	62	7	sample	sample	NOUN
fsr-3584	62	8	selection	selection	NOUN
fsr-3584	62	9	,	,	PUNCT
fsr-3584	62	10	including	include	VERB
fsr-3584	62	11	the	the	DET
fsr-3584	62	12	patterns	pattern	NOUN
fsr-3584	62	13	of	of	ADP
fsr-3584	62	14	labor	labor	NOUN
fsr-3584	62	15	force	force	NOUN
fsr-3584	62	16	participation	participation	NOUN
fsr-3584	62	17	by	by	ADP
fsr-3584	62	18	respondent	respondent	NOUN
fsr-3584	62	19	,	,	PUNCT
fsr-3584	62	20	even	even	ADV
fsr-3584	62	21	if	if	SCONJ
fsr-3584	62	22	they	they	PRON
fsr-3584	62	23	are	be	AUX
fsr-3584	62	24	different	different	ADJ
fsr-3584	62	25	persons	person	NOUN
fsr-3584	62	26	.	.	PUNCT
fsr-3584	63	1	these	these	DET
fsr-3584	63	2	limitations	limitation	NOUN
fsr-3584	63	3	should	should	AUX
fsr-3584	63	4	be	be	AUX
fsr-3584	63	5	considered	consider	VERB
fsr-3584	63	6	,	,	PUNCT
fsr-3584	63	7	but	but	CCONJ
fsr-3584	63	8	if	if	SCONJ
fsr-3584	63	9	the	the	DET
fsr-3584	63	10	respondent	respondent	NOUN
fsr-3584	63	11	can	can	AUX
fsr-3584	63	12	assess	assess	VERB
fsr-3584	63	13	what	what	PRON
fsr-3584	63	14	the	the	DET
fsr-3584	63	15	head	head	NOUN
fsr-3584	63	16	of	of	ADP
fsr-3584	63	17	household	household	NOUN
fsr-3584	63	18	would	would	AUX
fsr-3584	63	19	answer	answer	VERB
fsr-3584	63	20	,	,	PUNCT
fsr-3584	63	21	in	in	ADP
fsr-3584	63	22	the	the	DET
fsr-3584	63	23	context	context	NOUN
fsr-3584	63	24	of	of	ADP
fsr-3584	63	25	this	this	DET
fsr-3584	63	26	study	study	NOUN
fsr-3584	63	27	,	,	PUNCT
fsr-3584	63	28	results	result	NOUN
fsr-3584	63	29	should	should	AUX
fsr-3584	63	30	not	not	PART
fsr-3584	63	31	be	be	AUX
fsr-3584	63	32	too	too	ADV
fsr-3584	63	33	biased	biased	ADJ
fsr-3584	63	34	for	for	ADP
fsr-3584	63	35	expected	expect	VERB
fsr-3584	63	36	retirement	retirement	NOUN
fsr-3584	63	37	age	age	NOUN
fsr-3584	63	38	.	.	PUNCT
fsr-3584	64	1	the	the	DET
fsr-3584	64	2	alternative	alternative	NOUN
fsr-3584	64	3	of	of	ADP
fsr-3584	64	4	using	use	VERB
fsr-3584	64	5	a	a	DET
fsr-3584	64	6	respondent	respondent	NOUN
fsr-3584	64	7	’s	’s	PART
fsr-3584	64	8	expected	expect	VERB
fsr-3584	64	9	retirement	retirement	NOUN
fsr-3584	64	10	age	age	NOUN
fsr-3584	64	11	would	would	AUX
fsr-3584	64	12	likely	likely	ADV
fsr-3584	64	13	produce	produce	VERB
fsr-3584	64	14	more	more	ADJ
fsr-3584	64	15	distortions	distortion	NOUN
fsr-3584	64	16	.	.	PUNCT
fsr-3584	65	1	for	for	ADP
fsr-3584	65	2	this	this	DET
fsr-3584	65	3	study	study	NOUN
fsr-3584	65	4	,	,	PUNCT
fsr-3584	65	5	we	we	PRON
fsr-3584	65	6	assumed	assume	VERB
fsr-3584	65	7	that	that	SCONJ
fsr-3584	65	8	a	a	DET
fsr-3584	65	9	respondent	respondent	NOUN
fsr-3584	65	10	’s	’s	PART
fsr-3584	65	11	objective	objective	ADJ
fsr-3584	65	12	financial	financial	ADJ
fsr-3584	65	13	knowledge	knowledge	NOUN
fsr-3584	65	14	and	and	CCONJ
fsr-3584	65	15	subjective	subjective	ADJ
fsr-3584	65	16	assessment	assessment	NOUN
fsr-3584	65	17	of	of	ADP
fsr-3584	65	18	financial	financial	ADJ
fsr-3584	65	19	knowledge	knowledge	NOUN
fsr-3584	65	20	are	be	AUX
fsr-3584	65	21	close	close	ADJ
fsr-3584	65	22	to	to	ADP
fsr-3584	65	23	those	those	PRON
fsr-3584	65	24	of	of	ADP
fsr-3584	65	25	the	the	DET
fsr-3584	65	26	household	household	NOUN
fsr-3584	65	27	head	head	NOUN
fsr-3584	65	28	.	.	PUNCT
fsr-3584	66	1	in	in	ADP
fsr-3584	66	2	order	order	NOUN
fsr-3584	66	3	to	to	PART
fsr-3584	66	4	compare	compare	VERB
fsr-3584	66	5	our	our	PRON
fsr-3584	66	6	results	result	NOUN
fsr-3584	66	7	to	to	ADP
fsr-3584	66	8	those	those	PRON
fsr-3584	66	9	of	of	ADP
fsr-3584	66	10	hanna	hanna	PROPN
fsr-3584	66	11	et	et	PROPN
fsr-3584	66	12	al	al	PROPN
fsr-3584	66	13	.	.	PROPN
fsr-3584	67	1	(	(	PUNCT
fsr-3584	67	2	2017	2017	NUM
fsr-3584	67	3	)	)	PUNCT
fsr-3584	67	4	,	,	PUNCT
fsr-3584	67	5	we	we	PRON
fsr-3584	67	6	used	use	VERB
fsr-3584	67	7	information	information	NOUN
fsr-3584	67	8	for	for	ADP
fsr-3584	67	9	the	the	DET
fsr-3584	67	10	head	head	NOUN
fsr-3584	67	11	of	of	ADP
fsr-3584	67	12	household	household	NOUN
fsr-3584	67	13	for	for	ADP
fsr-3584	67	14	expected	expect	VERB
fsr-3584	67	15	retirement	retirement	NOUN
fsr-3584	67	16	age	age	NOUN
fsr-3584	67	17	.	.	PUNCT
fsr-3584	68	1	we	we	PRON
fsr-3584	68	2	performed	perform	VERB
fsr-3584	68	3	analyses	analysis	NOUN
fsr-3584	68	4	using	use	VERB
fsr-3584	68	5	a	a	DET
fsr-3584	68	6	respondent	respondent	NOUN
fsr-3584	68	7	’s	’s	PART
fsr-3584	68	8	age	age	NOUN
fsr-3584	68	9	,	,	PUNCT
fsr-3584	68	10	employment	employment	NOUN
fsr-3584	68	11	status	status	NOUN
fsr-3584	68	12	,	,	PUNCT
fsr-3584	68	13	and	and	CCONJ
fsr-3584	68	14	expected	expect	VERB
fsr-3584	68	15	retirement	retirement	NOUN
fsr-3584	68	16	age	age	NOUN
fsr-3584	68	17	,	,	PUNCT
fsr-3584	68	18	which	which	PRON
fsr-3584	68	19	resulted	result	VERB
fsr-3584	68	20	in	in	ADP
fsr-3584	68	21	a	a	DET
fsr-3584	68	22	much	much	ADV
fsr-3584	68	23	smaller	small	ADJ
fsr-3584	68	24	analytic	analytic	ADJ
fsr-3584	68	25	sample	sample	NOUN
fsr-3584	68	26	(	(	PUNCT
fsr-3584	68	27	unweighted	unweighted	ADJ
fsr-3584	68	28	n	n	NOUN
fsr-3584	68	29	of	of	ADP
fsr-3584	68	30	2,667	2,667	NUM
fsr-3584	68	31	compared	compare	VERB
fsr-3584	68	32	to	to	ADP
fsr-3584	68	33	4,607	4,607	NUM
fsr-3584	68	34	using	use	VERB
fsr-3584	68	35	household	household	NOUN
fsr-3584	68	36	heads	head	NOUN
fsr-3584	68	37	,	,	PUNCT
fsr-3584	68	38	with	with	ADP
fsr-3584	68	39	356	356	NUM
fsr-3584	68	40	“	"	PUNCT
fsr-3584	68	41	never	never	ADV
fsr-3584	68	42	retire	retire	VERB
fsr-3584	68	43	”	"	PUNCT
fsr-3584	68	44	responses	response	NOUN
fsr-3584	68	45	for	for	ADP
fsr-3584	68	46	respondents	respondent	NOUN
fsr-3584	68	47	,	,	PUNCT
fsr-3584	68	48	compared	compare	VERB
fsr-3584	68	49	to	to	ADP
fsr-3584	68	50	685	685	NUM
fsr-3584	68	51	for	for	ADP
fsr-3584	68	52	heads	head	NOUN
fsr-3584	68	53	)	)	PUNCT
fsr-3584	68	54	.	.	PUNCT
fsr-3584	69	1	the	the	DET
fsr-3584	69	2	descriptive	descriptive	ADJ
fsr-3584	69	3	patterns	pattern	NOUN
fsr-3584	69	4	for	for	ADP
fsr-3584	69	5	relationships	relationship	NOUN
fsr-3584	69	6	between	between	ADP
fsr-3584	69	7	never	never	ADV
fsr-3584	69	8	retire	retire	VERB
fsr-3584	69	9	rates	rate	NOUN
fsr-3584	69	10	and	and	CCONJ
fsr-3584	69	11	financial	financial	ADJ
fsr-3584	69	12	knowledge	knowledge	NOUN
fsr-3584	69	13	variables	variable	NOUN
fsr-3584	69	14	are	be	AUX
fsr-3584	69	15	very	very	ADV
fsr-3584	69	16	similar	similar	ADJ
fsr-3584	69	17	for	for	ADP
fsr-3584	69	18	respondents	respondent	NOUN
fsr-3584	69	19	and	and	CCONJ
fsr-3584	69	20	for	for	ADP
fsr-3584	69	21	household	household	NOUN
fsr-3584	69	22	heads	head	NOUN
fsr-3584	69	23	.	.	PUNCT
fsr-3584	70	1	the	the	DET
fsr-3584	70	2	final	final	ADJ
fsr-3584	70	3	analytic	analytic	ADJ
fsr-3584	70	4	sample	sample	NOUN
fsr-3584	70	5	included	include	VERB
fsr-3584	70	6	4,607	4,607	NUM
fsr-3584	70	7	households	household	NOUN
fsr-3584	70	8	.	.	PUNCT
fsr-3584	71	1	dependent	dependent	ADJ
fsr-3584	71	2	variable	variable	NOUN
fsr-3584	71	3	the	the	DET
fsr-3584	71	4	dependent	dependent	ADJ
fsr-3584	71	5	variable	variable	NOUN
fsr-3584	71	6	for	for	ADP
fsr-3584	71	7	the	the	DET
fsr-3584	71	8	analysis	analysis	NOUN
fsr-3584	71	9	was	be	AUX
fsr-3584	71	10	created	create	VERB
fsr-3584	71	11	by	by	ADP
fsr-3584	71	12	using	use	VERB
fsr-3584	71	13	responses	response	NOUN
fsr-3584	71	14	to	to	ADP
fsr-3584	71	15	a	a	DET
fsr-3584	71	16	question	question	NOUN
fsr-3584	71	17	that	that	PRON
fsr-3584	71	18	asked	ask	VERB
fsr-3584	71	19	about	about	ADP
fsr-3584	71	20	the	the	DET
fsr-3584	71	21	expected	expect	VERB
fsr-3584	71	22	age	age	NOUN
fsr-3584	71	23	to	to	PART
fsr-3584	71	24	stop	stop	VERB
fsr-3584	71	25	working	work	VERB
fsr-3584	71	26	full	full	ADJ
fsr-3584	71	27	-	-	PUNCT
fsr-3584	71	28	time	time	NOUN
fsr-3584	71	29	.	.	PUNCT
fsr-3584	72	1	if	if	SCONJ
fsr-3584	72	2	a	a	DET
fsr-3584	72	3	respondents	respondent	NOUN
fsr-3584	72	4	replied	reply	VERB
fsr-3584	72	5	that	that	SCONJ
fsr-3584	72	6	the	the	DET
fsr-3584	72	7	head	head	NOUN
fsr-3584	72	8	would	would	AUX
fsr-3584	72	9	never	never	ADV
fsr-3584	72	10	retire	retire	VERB
fsr-3584	72	11	,	,	PUNCT
fsr-3584	72	12	the	the	DET
fsr-3584	72	13	variable	variable	NOUN
fsr-3584	72	14	“	"	PUNCT
fsr-3584	72	15	never	never	ADV
fsr-3584	72	16	retire	retire	VERB
fsr-3584	72	17	”	"	PUNCT
fsr-3584	72	18	was	be	AUX
fsr-3584	72	19	coded	code	VERB
fsr-3584	72	20	as	as	ADP
fsr-3584	72	21	1	1	NUM
fsr-3584	72	22	,	,	PUNCT
fsr-3584	72	23	otherwise	otherwise	ADV
fsr-3584	72	24	0	0	X
fsr-3584	72	25	.	.	PUNCT
fsr-3584	73	1	this	this	DET
fsr-3584	73	2	coding	code	VERB
fsr-3584	73	3	matched	match	VERB
fsr-3584	73	4	hanna	hanna	PROPN
fsr-3584	73	5	et	et	PROPN
fsr-3584	73	6	al	al	PROPN
fsr-3584	73	7	.	.	PROPN
fsr-3584	73	8	(	(	PUNCT
fsr-3584	73	9	2017	2017	NUM
fsr-3584	73	10	)	)	PUNCT
fsr-3584	73	11	and	and	CCONJ
fsr-3584	73	12	zhang	zhang	PROPN
fsr-3584	73	13	and	and	CCONJ
fsr-3584	73	14	hanna	hanna	PROPN
fsr-3584	73	15	(	(	PUNCT
fsr-3584	73	16	2011	2011	NUM
fsr-3584	73	17	)	)	PUNCT
fsr-3584	73	18	.	.	PUNCT
fsr-3584	74	1	independent	independent	ADJ
fsr-3584	74	2	variables	variable	NOUN
fsr-3584	74	3	we	we	PRON
fsr-3584	74	4	tested	test	VERB
fsr-3584	74	5	three	three	NUM
fsr-3584	74	6	models	model	NOUN
fsr-3584	74	7	.	.	PUNCT
fsr-3584	75	1	model	model	NOUN
fsr-3584	75	2	1	1	NUM
fsr-3584	75	3	matched	match	VERB
fsr-3584	75	4	hanna	hanna	PROPN
fsr-3584	75	5	et	et	PROPN
fsr-3584	75	6	al	al	PROPN
fsr-3584	75	7	.	.	PROPN
fsr-3584	75	8	(	(	PUNCT
fsr-3584	75	9	2017	2017	NUM
fsr-3584	75	10	)	)	PUNCT
fsr-3584	75	11	in	in	ADP
fsr-3584	75	12	terms	term	NOUN
fsr-3584	75	13	of	of	ADP
fsr-3584	75	14	the	the	DET
fsr-3584	75	15	independent	independent	ADJ
fsr-3584	75	16	variables	variable	NOUN
fsr-3584	75	17	.	.	PUNCT
fsr-3584	76	1	model	model	NOUN
fsr-3584	76	2	2	2	NUM
fsr-3584	76	3	included	include	VERB
fsr-3584	76	4	household	household	NOUN
fsr-3584	76	5	characteristics	characteristic	NOUN
fsr-3584	76	6	,	,	PUNCT
fsr-3584	76	7	in	in	ADP
fsr-3584	76	8	addition	addition	NOUN
fsr-3584	76	9	to	to	ADP
fsr-3584	76	10	financial	financial	ADJ
fsr-3584	76	11	knowledge	knowledge	NOUN
fsr-3584	76	12	variables	variable	NOUN
fsr-3584	76	13	.	.	PUNCT
fsr-3584	77	1	one	one	NUM
fsr-3584	77	2	focal	focal	ADJ
fsr-3584	77	3	independent	independent	ADJ
fsr-3584	77	4	variable	variable	NOUN
fsr-3584	77	5	was	be	AUX
fsr-3584	77	6	objective	objective	ADJ
fsr-3584	77	7	financial	financial	ADJ
fsr-3584	77	8	knowledge	knowledge	NOUN
fsr-3584	77	9	.	.	PUNCT
fsr-3584	78	1	this	this	DET
fsr-3584	78	2	variable	variable	NOUN
fsr-3584	78	3	,	,	PUNCT
fsr-3584	78	4	ranging	range	VERB
fsr-3584	78	5	from	from	ADP
fsr-3584	78	6	0	0	NUM
fsr-3584	78	7	to	to	ADP
fsr-3584	78	8	3	3	NUM
fsr-3584	78	9	,	,	PUNCT
fsr-3584	78	10	was	be	AUX
fsr-3584	78	11	calculated	calculate	VERB
fsr-3584	78	12	using	use	VERB
fsr-3584	78	13	three	three	NUM
fsr-3584	78	14	questions	question	NOUN
fsr-3584	78	15	in	in	ADP
fsr-3584	78	16	the	the	DET
fsr-3584	78	17	scf	scf	PROPN
fsr-3584	78	18	.	.	PUNCT
fsr-3584	79	1	these	these	DET
fsr-3584	79	2	questions	question	NOUN
fsr-3584	79	3	,	,	PUNCT
fsr-3584	79	4	known	know	VERB
fsr-3584	79	5	as	as	ADP
fsr-3584	79	6	the	the	DET
fsr-3584	79	7	“	"	PUNCT
fsr-3584	79	8	big	big	ADJ
fsr-3584	79	9	three	three	NUM
fsr-3584	79	10	”	"	PUNCT
fsr-3584	79	11	(	(	PUNCT
fsr-3584	79	12	hastings	hastings	PROPN
fsr-3584	79	13	et	et	PROPN
fsr-3584	79	14	al	al	PROPN
fsr-3584	79	15	.	.	PROPN
fsr-3584	79	16	,	,	PUNCT
fsr-3584	79	17	2013	2013	NUM
fsr-3584	79	18	)	)	PUNCT
fsr-3584	79	19	,	,	PUNCT
fsr-3584	79	20	relate	relate	VERB
fsr-3584	79	21	to	to	PART
fsr-3584	79	22	compound	compound	VERB
fsr-3584	79	23	the	the	DET
fsr-3584	79	24	age	age	NOUN
fsr-3584	79	25	of	of	ADP
fsr-3584	79	26	household	household	NOUN
fsr-3584	79	27	heads	head	NOUN
fsr-3584	79	28	.	.	PUNCT
fsr-3584	80	1	we	we	PRON
fsr-3584	80	2	obtained	obtain	VERB
fsr-3584	80	3	results	result	NOUN
fsr-3584	80	4	similar	similar	ADJ
fsr-3584	80	5	to	to	ADP
fsr-3584	80	6	hanna	hanna	PROPN
fsr-3584	80	7	et	et	PROPN
fsr-3584	80	8	al	al	PROPN
fsr-3584	80	9	.	.	PUNCT
fsr-3584	81	1	in	in	ADP
fsr-3584	81	2	that	that	DET
fsr-3584	81	3	full	full	ADJ
fsr-3584	81	4	-	-	PUNCT
fsr-3584	81	5	time	time	NOUN
fsr-3584	81	6	employment	employment	NOUN
fsr-3584	81	7	decreased	decrease	VERB
fsr-3584	81	8	rapidly	rapidly	ADV
fsr-3584	81	9	after	after	ADP
fsr-3584	81	10	the	the	DET
fsr-3584	81	11	age	age	NOUN
fsr-3584	81	12	of	of	ADP
fsr-3584	81	13	60	60	NUM
fsr-3584	81	14	while	while	SCONJ
fsr-3584	81	15	being	be	AUX
fsr-3584	81	16	very	very	ADV
fsr-3584	81	17	low	low	ADJ
fsr-3584	81	18	before	before	ADP
fsr-3584	81	19	age	age	NOUN
fsr-3584	81	20	35	35	NUM
fsr-3584	81	21	.	.	PUNCT
fsr-3584	82	1	zhang	zhang	PROPN
fsr-3584	82	2	et	et	PROPN
fsr-3584	82	3	al	al	PROPN
fsr-3584	82	4	.	.	PROPN
fsr-3584	82	5	23	23	NUM
fsr-3584	82	6	interest	interest	NOUN
fsr-3584	82	7	,	,	PUNCT
fsr-3584	82	8	real	real	ADJ
fsr-3584	82	9	rates	rate	NOUN
fsr-3584	82	10	of	of	ADP
fsr-3584	82	11	return	return	NOUN
fsr-3584	82	12	,	,	PUNCT
fsr-3584	82	13	and	and	CCONJ
fsr-3584	82	14	risk	risk	NOUN
fsr-3584	82	15	diversification	diversification	NOUN
fsr-3584	82	16	.	.	PUNCT
fsr-3584	83	1	the	the	DET
fsr-3584	83	2	estimated	estimate	VERB
fsr-3584	83	3	value	value	NOUN
fsr-3584	83	4	of	of	ADP
fsr-3584	83	5	the	the	DET
fsr-3584	83	6	variable	variable	NOUN
fsr-3584	83	7	was	be	AUX
fsr-3584	83	8	based	base	VERB
fsr-3584	83	9	on	on	ADP
fsr-3584	83	10	the	the	DET
fsr-3584	83	11	number	number	NOUN
fsr-3584	83	12	of	of	ADP
fsr-3584	83	13	questions	question	NOUN
fsr-3584	83	14	answered	answer	VERB
fsr-3584	83	15	correctly	correctly	ADV
fsr-3584	83	16	.	.	PUNCT
fsr-3584	84	1	if	if	SCONJ
fsr-3584	84	2	a	a	DET
fsr-3584	84	3	respondent	respondent	NOUN
fsr-3584	84	4	answered	answer	VERB
fsr-3584	84	5	all	all	DET
fsr-3584	84	6	three	three	NUM
fsr-3584	84	7	questions	question	NOUN
fsr-3584	84	8	correctly	correctly	ADV
fsr-3584	84	9	,	,	PUNCT
fsr-3584	84	10	their	their	PRON
fsr-3584	84	11	score	score	NOUN
fsr-3584	84	12	was	be	AUX
fsr-3584	84	13	3	3	NUM
fsr-3584	84	14	.	.	PUNCT
fsr-3584	85	1	if	if	SCONJ
fsr-3584	85	2	a	a	DET
fsr-3584	85	3	respondent	respondent	NOUN
fsr-3584	85	4	answered	answer	VERB
fsr-3584	85	5	two	two	NUM
fsr-3584	85	6	questions	question	NOUN
fsr-3584	85	7	correctly	correctly	ADV
fsr-3584	85	8	,	,	PUNCT
fsr-3584	85	9	their	their	PRON
fsr-3584	85	10	score	score	NOUN
fsr-3584	85	11	was	be	AUX
fsr-3584	85	12	2	2	NUM
fsr-3584	85	13	.	.	PUNCT
fsr-3584	86	1	if	if	SCONJ
fsr-3584	86	2	a	a	DET
fsr-3584	86	3	respondent	respondent	NOUN
fsr-3584	86	4	answered	answer	VERB
fsr-3584	86	5	one	one	NUM
fsr-3584	86	6	question	question	NOUN
fsr-3584	86	7	correctly	correctly	ADV
fsr-3584	86	8	,	,	PUNCT
fsr-3584	86	9	the	the	DET
fsr-3584	86	10	variable	variable	NOUN
fsr-3584	86	11	was	be	AUX
fsr-3584	86	12	equal	equal	ADJ
fsr-3584	86	13	to	to	ADP
fsr-3584	86	14	1	1	NUM
fsr-3584	86	15	.	.	PUNCT
fsr-3584	87	1	if	if	SCONJ
fsr-3584	87	2	a	a	DET
fsr-3584	87	3	respondent	respondent	NOUN
fsr-3584	87	4	answered	answer	VERB
fsr-3584	87	5	the	the	DET
fsr-3584	87	6	three	three	NUM
fsr-3584	87	7	questions	question	NOUN
fsr-3584	87	8	incorrectly	incorrectly	ADV
fsr-3584	87	9	,	,	PUNCT
fsr-3584	87	10	they	they	PRON
fsr-3584	87	11	received	receive	VERB
fsr-3584	87	12	a	a	DET
fsr-3584	87	13	score	score	NOUN
fsr-3584	87	14	of	of	ADP
fsr-3584	87	15	0	0	NUM
fsr-3584	87	16	.	.	PUNCT
fsr-3584	88	1	another	another	DET
fsr-3584	88	2	focal	focal	ADJ
fsr-3584	88	3	variable	variable	NOUN
fsr-3584	88	4	was	be	AUX
fsr-3584	88	5	subjective	subjective	ADJ
fsr-3584	88	6	financial	financial	ADJ
fsr-3584	88	7	knowledge	knowledge	NOUN
fsr-3584	88	8	.	.	PUNCT
fsr-3584	89	1	this	this	DET
fsr-3584	89	2	variable	variable	NOUN
fsr-3584	89	3	,	,	PUNCT
fsr-3584	89	4	ranging	range	VERB
fsr-3584	89	5	from	from	ADP
fsr-3584	89	6	0	0	NUM
fsr-3584	89	7	to	to	ADP
fsr-3584	89	8	10	10	NUM
fsr-3584	89	9	,	,	PUNCT
fsr-3584	89	10	was	be	AUX
fsr-3584	89	11	based	base	VERB
fsr-3584	89	12	on	on	ADP
fsr-3584	89	13	a	a	DET
fsr-3584	89	14	self	self	NOUN
fsr-3584	89	15	-	-	PUNCT
fsr-3584	89	16	evaluation	evaluation	NOUN
fsr-3584	89	17	of	of	ADP
fsr-3584	89	18	financial	financial	ADJ
fsr-3584	89	19	knowledge	knowledge	NOUN
fsr-3584	89	20	by	by	ADP
fsr-3584	89	21	a	a	DET
fsr-3584	89	22	respondent	respondent	NOUN
fsr-3584	89	23	.	.	PUNCT
fsr-3584	90	1	if	if	SCONJ
fsr-3584	90	2	a	a	DET
fsr-3584	90	3	respondent	respondent	NOUN
fsr-3584	90	4	believed	believe	VERB
fsr-3584	90	5	they	they	PRON
fsr-3584	90	6	were	be	AUX
fsr-3584	90	7	not	not	PART
fsr-3584	90	8	at	at	ADV
fsr-3584	90	9	all	all	ADV
fsr-3584	90	10	financially	financially	ADV
fsr-3584	90	11	knowledgeable	knowledgeable	ADJ
fsr-3584	90	12	,	,	PUNCT
fsr-3584	90	13	they	they	PRON
fsr-3584	90	14	received	receive	VERB
fsr-3584	90	15	a	a	DET
fsr-3584	90	16	score	score	NOUN
fsr-3584	90	17	equal	equal	ADJ
fsr-3584	90	18	to	to	ADP
fsr-3584	90	19	0	0	NUM
fsr-3584	90	20	.	.	PUNCT
fsr-3584	91	1	if	if	SCONJ
fsr-3584	91	2	a	a	DET
fsr-3584	91	3	respondents	respondent	NOUN
fsr-3584	91	4	believed	believe	VERB
fsr-3584	91	5	they	they	PRON
fsr-3584	91	6	were	be	AUX
fsr-3584	91	7	very	very	ADV
fsr-3584	91	8	knowledgeable	knowledgeable	ADJ
fsr-3584	91	9	in	in	ADP
fsr-3584	91	10	the	the	DET
fsr-3584	91	11	financial	financial	ADJ
fsr-3584	91	12	domain	domain	NOUN
fsr-3584	91	13	,	,	PUNCT
fsr-3584	91	14	their	their	PRON
fsr-3584	91	15	score	score	NOUN
fsr-3584	91	16	was	be	AUX
fsr-3584	91	17	equal	equal	ADJ
fsr-3584	91	18	to	to	ADP
fsr-3584	91	19	10	10	NUM
fsr-3584	91	20	.	.	PUNCT
fsr-3584	92	1	respondents	respondent	NOUN
fsr-3584	92	2	were	be	AUX
fsr-3584	92	3	allowed	allow	VERB
fsr-3584	92	4	to	to	PART
fsr-3584	92	5	choose	choose	VERB
fsr-3584	92	6	any	any	DET
fsr-3584	92	7	integer	integer	NOUN
fsr-3584	92	8	between	between	ADP
fsr-3584	92	9	0	0	NUM
fsr-3584	92	10	and	and	CCONJ
fsr-3584	92	11	10	10	NUM
fsr-3584	92	12	.	.	PUNCT
fsr-3584	93	1	the	the	DET
fsr-3584	93	2	variable	variable	NOUN
fsr-3584	93	3	was	be	AUX
fsr-3584	93	4	recoded	recode	VERB
fsr-3584	93	5	into	into	ADP
fsr-3584	93	6	four	four	NUM
fsr-3584	93	7	categories	category	NOUN
fsr-3584	93	8	:	:	PUNCT
fsr-3584	93	9	(	(	PUNCT
fsr-3584	93	10	a	a	X
fsr-3584	93	11	)	)	PUNCT
fsr-3584	93	12	low	low	ADJ
fsr-3584	93	13	,	,	PUNCT
fsr-3584	93	14	(	(	PUNCT
fsr-3584	93	15	b	b	X
fsr-3584	93	16	)	)	PUNCT
fsr-3584	93	17	some	some	PRON
fsr-3584	93	18	,	,	PUNCT
fsr-3584	93	19	(	(	PUNCT
fsr-3584	93	20	c	c	NOUN
fsr-3584	93	21	)	)	PUNCT
fsr-3584	93	22	good	good	ADJ
fsr-3584	93	23	,	,	PUNCT
fsr-3584	93	24	and	and	CCONJ
fsr-3584	93	25	(	(	PUNCT
fsr-3584	93	26	d	d	NOUN
fsr-3584	93	27	)	)	PUNCT
fsr-3584	93	28	high	high	ADJ
fsr-3584	93	29	.	.	PUNCT
fsr-3584	94	1	for	for	ADP
fsr-3584	94	2	the	the	DET
fsr-3584	94	3	logistic	logistic	ADJ
fsr-3584	94	4	regression	regression	NOUN
fsr-3584	94	5	(	(	PUNCT
fsr-3584	94	6	described	describe	VERB
fsr-3584	94	7	below	below	ADV
fsr-3584	94	8	)	)	PUNCT
fsr-3584	94	9	,	,	PUNCT
fsr-3584	94	10	we	we	PRON
fsr-3584	94	11	used	use	VERB
fsr-3584	94	12	the	the	DET
fsr-3584	94	13	subjective	subjective	ADJ
fsr-3584	94	14	financial	financial	ADJ
fsr-3584	94	15	knowledge	knowledge	NOUN
fsr-3584	94	16	score	score	NOUN
fsr-3584	94	17	.	.	PUNCT
fsr-3584	95	1	in	in	ADP
fsr-3584	95	2	model	model	NOUN
fsr-3584	95	3	3	3	NUM
fsr-3584	95	4	,	,	PUNCT
fsr-3584	95	5	we	we	PRON
fsr-3584	95	6	defined	define	VERB
fsr-3584	95	7	financial	financial	ADJ
fsr-3584	95	8	confidence	confidence	NOUN
fsr-3584	95	9	to	to	PART
fsr-3584	95	10	align	align	VERB
fsr-3584	95	11	with	with	ADP
fsr-3584	95	12	lee	lee	PROPN
fsr-3584	95	13	and	and	CCONJ
fsr-3584	95	14	hanna	hanna	PROPN
fsr-3584	95	15	(	(	PUNCT
fsr-3584	95	16	2020	2020	NUM
fsr-3584	95	17	)	)	PUNCT
fsr-3584	95	18	,	,	PUNCT
fsr-3584	95	19	which	which	PRON
fsr-3584	95	20	was	be	AUX
fsr-3584	95	21	based	base	VERB
fsr-3584	95	22	on	on	ADP
fsr-3584	95	23	whether	whether	SCONJ
fsr-3584	95	24	a	a	DET
fsr-3584	95	25	respondent	respondent	NOUN
fsr-3584	95	26	had	have	AUX
fsr-3584	95	27	above	above	ADP
fsr-3584	95	28	or	or	CCONJ
fsr-3584	95	29	below	below	ADP
fsr-3584	95	30	median	median	ADJ
fsr-3584	95	31	objective	objective	ADJ
fsr-3584	95	32	and	and	CCONJ
fsr-3584	95	33	subjective	subjective	ADJ
fsr-3584	95	34	financial	financial	ADJ
fsr-3584	95	35	knowledge	knowledge	NOUN
fsr-3584	95	36	.	.	PUNCT
fsr-3584	96	1	the	the	DET
fsr-3584	96	2	model	model	NOUN
fsr-3584	96	3	used	use	VERB
fsr-3584	96	4	four	four	NUM
fsr-3584	96	5	categories	category	NOUN
fsr-3584	96	6	of	of	ADP
fsr-3584	96	7	financial	financial	ADJ
fsr-3584	96	8	confidence	confidence	NOUN
fsr-3584	96	9	:	:	PUNCT
fsr-3584	96	10	(	(	PUNCT
fsr-3584	96	11	a	a	X
fsr-3584	96	12	)	)	PUNCT
fsr-3584	96	13	appropriate	appropriate	ADJ
fsr-3584	96	14	high	high	ADJ
fsr-3584	96	15	confidence	confidence	NOUN
fsr-3584	96	16	,	,	PUNCT
fsr-3584	96	17	if	if	SCONJ
fsr-3584	96	18	subjective	subjective	ADJ
fsr-3584	96	19	financial	financial	ADJ
fsr-3584	96	20	knowledge	knowledge	NOUN
fsr-3584	96	21	and	and	CCONJ
fsr-3584	96	22	objective	objective	ADJ
fsr-3584	96	23	financial	financial	ADJ
fsr-3584	96	24	knowledge	knowledge	NOUN
fsr-3584	96	25	were	be	AUX
fsr-3584	96	26	both	both	ADV
fsr-3584	96	27	high	high	ADJ
fsr-3584	96	28	;	;	PUNCT
fsr-3584	96	29	(	(	PUNCT
fsr-3584	96	30	b	b	X
fsr-3584	96	31	)	)	PUNCT
fsr-3584	96	32	appropriate	appropriate	ADJ
fsr-3584	96	33	low	low	ADJ
fsr-3584	96	34	confidence	confidence	NOUN
fsr-3584	96	35	,	,	PUNCT
fsr-3584	96	36	if	if	SCONJ
fsr-3584	96	37	subjective	subjective	ADJ
fsr-3584	96	38	financial	financial	ADJ
fsr-3584	96	39	knowledge	knowledge	NOUN
fsr-3584	96	40	and	and	CCONJ
fsr-3584	96	41	objective	objective	ADJ
fsr-3584	96	42	financial	financial	ADJ
fsr-3584	96	43	knowledge	knowledge	NOUN
fsr-3584	96	44	were	be	AUX
fsr-3584	96	45	both	both	ADV
fsr-3584	96	46	low	low	ADJ
fsr-3584	96	47	;	;	PUNCT
fsr-3584	96	48	(	(	PUNCT
fsr-3584	96	49	c	c	X
fsr-3584	96	50	)	)	PUNCT
fsr-3584	96	51	overconfident	overconfident	ADJ
fsr-3584	96	52	,	,	PUNCT
fsr-3584	96	53	if	if	SCONJ
fsr-3584	96	54	subjective	subjective	ADJ
fsr-3584	96	55	financial	financial	ADJ
fsr-3584	96	56	knowledge	knowledge	NOUN
fsr-3584	96	57	was	be	AUX
fsr-3584	96	58	high	high	ADJ
fsr-3584	96	59	but	but	CCONJ
fsr-3584	96	60	objective	objective	ADJ
fsr-3584	96	61	financial	financial	ADJ
fsr-3584	96	62	knowledge	knowledge	NOUN
fsr-3584	96	63	was	be	AUX
fsr-3584	96	64	low	low	ADJ
fsr-3584	96	65	;	;	PUNCT
fsr-3584	96	66	and	and	CCONJ
fsr-3584	96	67	(	(	PUNCT
fsr-3584	96	68	d	d	NOUN
fsr-3584	96	69	)	)	PUNCT
fsr-3584	96	70	underconfident	underconfident	ADJ
fsr-3584	96	71	if	if	SCONJ
fsr-3584	96	72	subjective	subjective	ADJ
fsr-3584	96	73	financial	financial	ADJ
fsr-3584	96	74	knowledge	knowledge	NOUN
fsr-3584	96	75	was	be	AUX
fsr-3584	96	76	low	low	ADJ
fsr-3584	96	77	but	but	CCONJ
fsr-3584	96	78	objective	objective	ADJ
fsr-3584	96	79	financial	financial	ADJ
fsr-3584	96	80	knowledge	knowledge	NOUN
fsr-3584	96	81	was	be	AUX
fsr-3584	96	82	high	high	ADJ
fsr-3584	96	83	.	.	PUNCT
fsr-3584	97	1	control	control	NOUN
fsr-3584	97	2	variables	variable	VERB
fsr-3584	97	3	the	the	DET
fsr-3584	97	4	following	follow	VERB
fsr-3584	97	5	control	control	NOUN
fsr-3584	97	6	variables	variable	NOUN
fsr-3584	97	7	were	be	AUX
fsr-3584	97	8	included	include	VERB
fsr-3584	97	9	in	in	ADP
fsr-3584	97	10	the	the	DET
fsr-3584	97	11	models	model	NOUN
fsr-3584	97	12	:	:	PUNCT
fsr-3584	97	13	(	(	PUNCT
fsr-3584	97	14	a	a	X
fsr-3584	97	15	)	)	PUNCT
fsr-3584	97	16	racial	racial	ADJ
fsr-3584	97	17	/	/	SYM
fsr-3584	97	18	ethnic	ethnic	ADJ
fsr-3584	97	19	status	status	NOUN
fsr-3584	97	20	of	of	ADP
fsr-3584	97	21	the	the	DET
fsr-3584	97	22	respondent	respondent	NOUN
fsr-3584	97	23	,	,	PUNCT
fsr-3584	97	24	(	(	PUNCT
fsr-3584	97	25	b	b	NOUN
fsr-3584	97	26	)	)	PUNCT
fsr-3584	97	27	self	self	NOUN
fsr-3584	97	28	-	-	PUNCT
fsr-3584	97	29	employment	employment	NOUN
fsr-3584	97	30	,	,	PUNCT
fsr-3584	97	31	(	(	PUNCT
fsr-3584	97	32	c	c	X
fsr-3584	97	33	)	)	PUNCT
fsr-3584	97	34	health	health	NOUN
fsr-3584	97	35	status	status	NOUN
fsr-3584	97	36	,	,	PUNCT
fsr-3584	97	37	(	(	PUNCT
fsr-3584	97	38	d	d	X
fsr-3584	97	39	)	)	PUNCT
fsr-3584	97	40	marital	marital	ADJ
fsr-3584	97	41	status	status	NOUN
fsr-3584	97	42	,	,	PUNCT
fsr-3584	97	43	(	(	PUNCT
fsr-3584	97	44	e	e	NOUN
fsr-3584	97	45	)	)	PUNCT
fsr-3584	97	46	life	life	NOUN
fsr-3584	97	47	expectancy	expectancy	NOUN
fsr-3584	97	48	,	,	PUNCT
fsr-3584	97	49	(	(	PUNCT
fsr-3584	97	50	f	f	X
fsr-3584	97	51	)	)	PUNCT
fsr-3584	97	52	education	education	NOUN
fsr-3584	97	53	,	,	PUNCT
fsr-3584	97	54	(	(	PUNCT
fsr-3584	97	55	g	g	NOUN
fsr-3584	97	56	)	)	PUNCT
fsr-3584	97	57	job	job	NOUN
fsr-3584	97	58	title	title	NOUN
fsr-3584	97	59	of	of	ADP
fsr-3584	97	60	the	the	DET
fsr-3584	97	61	household	household	NOUN
fsr-3584	97	62	head	head	NOUN
fsr-3584	97	63	,	,	PUNCT
fsr-3584	97	64	(	(	PUNCT
fsr-3584	97	65	h	h	NOUN
fsr-3584	97	66	)	)	PUNCT
fsr-3584	97	67	whether	whether	SCONJ
fsr-3584	97	68	the	the	DET
fsr-3584	97	69	head	head	NOUN
fsr-3584	97	70	of	of	ADP
fsr-3584	97	71	household	household	NOUN
fsr-3584	97	72	had	have	VERB
fsr-3584	97	73	a	a	DET
fsr-3584	97	74	defined	define	VERB
fsr-3584	97	75	benefit	benefit	NOUN
fsr-3584	97	76	pension	pension	NOUN
fsr-3584	97	77	,	,	PUNCT
fsr-3584	97	78	(	(	PUNCT
fsr-3584	97	79	i	i	NOUN
fsr-3584	97	80	)	)	PUNCT
fsr-3584	97	81	whether	whether	SCONJ
fsr-3584	97	82	everyone	everyone	PRON
fsr-3584	97	83	was	be	AUX
fsr-3584	97	84	covered	cover	VERB
fsr-3584	97	85	by	by	ADP
fsr-3584	97	86	health	health	NOUN
fsr-3584	97	87	insurance	insurance	NOUN
fsr-3584	97	88	,	,	PUNCT
fsr-3584	97	89	(	(	PUNCT
fsr-3584	97	90	j	j	NOUN
fsr-3584	97	91	)	)	PUNCT
fsr-3584	97	92	household	household	NOUN
fsr-3584	97	93	income	income	NOUN
fsr-3584	97	94	,	,	PUNCT
fsr-3584	97	95	(	(	PUNCT
fsr-3584	97	96	k	k	NOUN
fsr-3584	97	97	)	)	PUNCT
fsr-3584	97	98	net	net	ADJ
fsr-3584	97	99	worth	worth	NOUN
fsr-3584	97	100	,	,	PUNCT
fsr-3584	97	101	and	and	CCONJ
fsr-3584	97	102	(	(	PUNCT
fsr-3584	97	103	l	l	NOUN
fsr-3584	97	104	)	)	PUNCT
fsr-3584	97	105	the	the	DET
fsr-3584	97	106	expectation	expectation	NOUN
fsr-3584	97	107	to	to	PART
fsr-3584	97	108	inherit	inherit	VERB
fsr-3584	97	109	a	a	DET
fsr-3584	97	110	substantial	substantial	ADJ
fsr-3584	97	111	amount	amount	NOUN
fsr-3584	97	112	of	of	ADP
fsr-3584	97	113	money	money	NOUN
fsr-3584	97	114	.	.	PUNCT
fsr-3584	98	1	we	we	PRON
fsr-3584	98	2	also	also	ADV
fsr-3584	98	3	included	include	VERB
fsr-3584	98	4	the	the	DET
fsr-3584	98	5	following	follow	VERB
fsr-3584	98	6	control	control	NOUN
fsr-3584	98	7	variables	variable	NOUN
fsr-3584	98	8	not	not	PART
fsr-3584	98	9	used	use	VERB
fsr-3584	98	10	by	by	ADP
fsr-3584	98	11	hanna	hanna	PROPN
fsr-3584	98	12	et	et	PROPN
fsr-3584	98	13	al	al	PROPN
fsr-3584	98	14	.	.	PROPN
fsr-3584	99	1	(	(	PUNCT
fsr-3584	99	2	2017	2017	NUM
fsr-3584	99	3	):	):	PUNCT
fsr-3584	99	4	(	(	PUNCT
fsr-3584	99	5	a	a	X
fsr-3584	99	6	)	)	PUNCT
fsr-3584	99	7	economic	economic	ADJ
fsr-3584	99	8	outlook	outlook	NOUN
fsr-3584	99	9	,	,	PUNCT
fsr-3584	99	10	(	(	PUNCT
fsr-3584	99	11	b	b	X
fsr-3584	99	12	)	)	PUNCT
fsr-3584	99	13	willingness	willingness	NOUN
fsr-3584	99	14	to	to	PART
fsr-3584	99	15	take	take	VERB
fsr-3584	99	16	the	the	DET
fsr-3584	99	17	financial	financial	ADJ
fsr-3584	99	18	risk	risk	NOUN
fsr-3584	99	19	,	,	PUNCT
fsr-3584	99	20	(	(	PUNCT
fsr-3584	99	21	c	c	NOUN
fsr-3584	99	22	)	)	PUNCT
fsr-3584	99	23	satisfaction	satisfaction	NOUN
fsr-3584	99	24	of	of	ADP
fsr-3584	99	25	expected	expect	VERB
fsr-3584	99	26	retirement	retirement	NOUN
fsr-3584	99	27	income	income	NOUN
fsr-3584	99	28	,	,	PUNCT
fsr-3584	99	29	and	and	CCONJ
fsr-3584	99	30	(	(	PUNCT
fsr-3584	99	31	d	d	X
fsr-3584	99	32	)	)	PUNCT
fsr-3584	99	33	a	a	DET
fsr-3584	99	34	dummy	dummy	ADJ
fsr-3584	99	35	variable	variable	NOUN
fsr-3584	99	36	for	for	ADP
fsr-3584	99	37	survey	survey	NOUN
fsr-3584	99	38	year	year	NOUN
fsr-3584	99	39	.	.	PUNCT
fsr-3584	100	1	empirical	empirical	ADJ
fsr-3584	100	2	analysis	analysis	NOUN
fsr-3584	100	3	we	we	PRON
fsr-3584	100	4	used	use	VERB
fsr-3584	100	5	descriptive	descriptive	ADJ
fsr-3584	100	6	analyses	analysis	NOUN
fsr-3584	100	7	to	to	PART
fsr-3584	100	8	examine	examine	VERB
fsr-3584	100	9	the	the	DET
fsr-3584	100	10	determinants	determinant	NOUN
fsr-3584	100	11	of	of	ADP
fsr-3584	100	12	the	the	PRON
fsr-3584	100	13	never	never	ADV
fsr-3584	100	14	retire	retire	VERB
fsr-3584	100	15	response	response	NOUN
fsr-3584	100	16	without	without	ADP
fsr-3584	100	17	controlling	control	VERB
fsr-3584	100	18	for	for	ADP
fsr-3584	100	19	other	other	ADJ
fsr-3584	100	20	variables	variable	NOUN
fsr-3584	100	21	.	.	PUNCT
fsr-3584	101	1	we	we	PRON
fsr-3584	101	2	then	then	ADV
fsr-3584	101	3	used	use	VERB
fsr-3584	101	4	weighted	weight	VERB
fsr-3584	101	5	repeated	repeat	VERB
fsr-3584	101	6	-	-	PUNCT
fsr-3584	101	7	imputation	imputation	NOUN
fsr-3584	101	8	inference	inference	NOUN
fsr-3584	101	9	(	(	PUNCT
fsr-3584	101	10	rii	rii	NOUN
fsr-3584	101	11	)	)	PUNCT
fsr-3584	101	12	means	mean	VERB
fsr-3584	101	13	tests	test	NOUN
fsr-3584	101	14	to	to	PART
fsr-3584	101	15	ascertain	ascertain	VERB
fsr-3584	101	16	whether	whether	SCONJ
fsr-3584	101	17	differences	difference	NOUN
fsr-3584	101	18	in	in	ADP
fsr-3584	101	19	the	the	PRON
fsr-3584	101	20	never	never	ADV
fsr-3584	101	21	retire	retire	VERB
fsr-3584	101	22	rates	rate	NOUN
fsr-3584	101	23	in	in	ADP
fsr-3584	101	24	the	the	DET
fsr-3584	101	25	descriptive	descriptive	ADJ
fsr-3584	101	26	analyses	analysis	NOUN
fsr-3584	101	27	were	be	AUX
fsr-3584	101	28	significant	significant	ADJ
fsr-3584	101	29	(	(	PUNCT
fsr-3584	101	30	see	see	VERB
fsr-3584	101	31	hanna	hanna	PROPN
fsr-3584	101	32	et	et	PROPN
fsr-3584	101	33	al	al	PROPN
fsr-3584	101	34	.	.	PROPN
fsr-3584	101	35	,	,	PUNCT
fsr-3584	101	36	2017	2017	NUM
fsr-3584	101	37	;	;	PUNCT
fsr-3584	101	38	montalto	montalto	PROPN
fsr-3584	101	39	&	&	CCONJ
fsr-3584	101	40	sung	sung	PROPN
fsr-3584	101	41	,	,	PUNCT
fsr-3584	101	42	1996	1996	NUM
fsr-3584	101	43	;	;	PUNCT
fsr-3584	101	44	montalto	montalto	PROPN
fsr-3584	101	45	&	&	CCONJ
fsr-3584	101	46	yuh	yuh	PROPN
fsr-3584	101	47	,	,	PUNCT
fsr-3584	101	48	1998	1998	NUM
fsr-3584	101	49	)	)	PUNCT
fsr-3584	101	50	.	.	PUNCT
fsr-3584	102	1	the	the	DET
fsr-3584	102	2	primary	primary	ADJ
fsr-3584	102	3	analyses	analysis	NOUN
fsr-3584	102	4	were	be	AUX
fsr-3584	102	5	conducted	conduct	VERB
fsr-3584	102	6	using	use	VERB
fsr-3584	102	7	logistic	logistic	ADJ
fsr-3584	102	8	regressions	regression	NOUN
fsr-3584	102	9	for	for	ADP
fsr-3584	102	10	models	model	NOUN
fsr-3584	102	11	1	1	NUM
fsr-3584	102	12	,	,	PUNCT
fsr-3584	102	13	2	2	NUM
fsr-3584	102	14	,	,	PUNCT
fsr-3584	102	15	and	and	CCONJ
fsr-3584	102	16	3	3	X
fsr-3584	102	17	.	.	X
fsr-3584	102	18	for	for	ADP
fsr-3584	102	19	the	the	DET
fsr-3584	102	20	logistic	logistic	ADJ
fsr-3584	102	21	regression	regression	NOUN
fsr-3584	102	22	analyses	analysis	NOUN
fsr-3584	102	23	,	,	PUNCT
fsr-3584	102	24	we	we	PRON
fsr-3584	102	25	utilized	utilize	VERB
fsr-3584	102	26	multiple	multiple	ADJ
fsr-3584	102	27	imputation	imputation	NOUN
fsr-3584	102	28	procedures	procedure	NOUN
fsr-3584	102	29	applying	apply	VERB
fsr-3584	102	30	the	the	DET
fsr-3584	102	31	rii	rii	NOUN
fsr-3584	102	32	technique	technique	NOUN
fsr-3584	102	33	to	to	PART
fsr-3584	102	34	estimate	estimate	VERB
fsr-3584	102	35	the	the	DET
fsr-3584	102	36	variances	variance	NOUN
fsr-3584	102	37	appropriately	appropriately	ADV
fsr-3584	102	38	(	(	PUNCT
fsr-3584	102	39	see	see	VERB
fsr-3584	102	40	lindamood	lindamood	NOUN
fsr-3584	102	41	et	et	PROPN
fsr-3584	102	42	al	al	PROPN
fsr-3584	102	43	.	.	PROPN
fsr-3584	102	44	,	,	PUNCT
fsr-3584	102	45	2007	2007	NUM
fsr-3584	102	46	)	)	PUNCT
fsr-3584	102	47	.	.	PUNCT
fsr-3584	103	1	the	the	DET
fsr-3584	103	2	models	model	NOUN
fsr-3584	103	3	were	be	AUX
fsr-3584	103	4	estimated	estimate	VERB
fsr-3584	103	5	as	as	SCONJ
fsr-3584	103	6	follows	follow	VERB
fsr-3584	103	7	:	:	PUNCT
fsr-3584	103	8	model	model	NOUN
fsr-3584	103	9	1	1	NUM
fsr-3584	103	10	:	:	PUNCT
fsr-3584	103	11	log	log	NOUN
fsr-3584	103	12	p(nri	p(nri	NOUN
fsr-3584	103	13	)	)	PUNCT
fsr-3584	103	14	1−p(nri	1−p(nri	NUM
fsr-3584	103	15	)	)	PUNCT
fsr-3584	104	1	=	=	SYM
fsr-3584	104	2	α0	α0	ADJ
fsr-3584	104	3	+	+	CCONJ
fsr-3584	104	4	α1hi	α1hi	NUM
fsr-3584	104	5	(	(	PUNCT
fsr-3584	104	6	1	1	X
fsr-3584	104	7	)	)	PUNCT
fsr-3584	104	8	where	where	SCONJ
fsr-3584	104	9	,	,	PUNCT
fsr-3584	104	10	𝑛𝑟𝑖	𝑛𝑟𝑖	NOUN
fsr-3584	104	11	represents	represent	VERB
fsr-3584	104	12	whether	whether	SCONJ
fsr-3584	104	13	workers	worker	NOUN
fsr-3584	104	14	’	’	PART
fsr-3584	104	15	retirement	retirement	NOUN
fsr-3584	104	16	expectation	expectation	NOUN
fsr-3584	104	17	is	be	AUX
fsr-3584	104	18	“	"	PUNCT
fsr-3584	104	19	never	never	ADV
fsr-3584	104	20	retire	retire	VERB
fsr-3584	104	21	”	"	PUNCT
fsr-3584	104	22	;	;	PUNCT
fsr-3584	104	23	𝐻𝑖	𝐻𝑖	PROPN
fsr-3584	104	24	represents	represent	VERB
fsr-3584	104	25	the	the	DET
fsr-3584	104	26	set	set	NOUN
fsr-3584	104	27	of	of	ADP
fsr-3584	104	28	control	control	NOUN
fsr-3584	104	29	variables	variable	NOUN
fsr-3584	104	30	listed	list	VERB
fsr-3584	104	31	above	above	ADV
fsr-3584	104	32	.	.	PUNCT
fsr-3584	105	1	model	model	NOUN
fsr-3584	105	2	2	2	NUM
fsr-3584	105	3	:	:	PUNCT
fsr-3584	105	4	log	log	NOUN
fsr-3584	105	5	p(nri	p(nri	NOUN
fsr-3584	105	6	)	)	PUNCT
fsr-3584	105	7	1−p(nri	1−p(nri	NUM
fsr-3584	105	8	)	)	PUNCT
fsr-3584	106	1	=	=	SYM
fsr-3584	107	1	α0	α0	ADJ
fsr-3584	107	2	+	+	NUM
fsr-3584	107	3	α1obji	α1obji	NOUN
fsr-3584	107	4	+	+	CCONJ
fsr-3584	107	5	α2subi	α2subi	NOUN
fsr-3584	107	6	+	+	CCONJ
fsr-3584	107	7	α3ci	α3ci	NUM
fsr-3584	107	8	(	(	PUNCT
fsr-3584	107	9	2	2	NUM
fsr-3584	107	10	)	)	PUNCT
fsr-3584	107	11	where	where	SCONJ
fsr-3584	107	12	,	,	PUNCT
fsr-3584	107	13	𝑛𝑟𝑖	𝑛𝑟𝑖	PRON
fsr-3584	107	14	represent	represent	VERB
fsr-3584	107	15	whether	whether	SCONJ
fsr-3584	107	16	workers	worker	NOUN
fsr-3584	107	17	’	’	PART
fsr-3584	107	18	retirement	retirement	NOUN
fsr-3584	107	19	expectation	expectation	NOUN
fsr-3584	107	20	is	be	AUX
fsr-3584	107	21	“	"	PUNCT
fsr-3584	107	22	never	never	ADV
fsr-3584	107	23	retire	retire	VERB
fsr-3584	107	24	”	"	PUNCT
fsr-3584	107	25	;	;	PUNCT
fsr-3584	107	26	𝑂𝑏𝑗𝑖	𝑂𝑏𝑗𝑖	PROPN
fsr-3584	107	27	represents	represent	VERB
fsr-3584	107	28	household	household	NOUN
fsr-3584	107	29	heads	head	NOUN
fsr-3584	107	30	’	'	PUNCT
fsr-3584	107	31	objective	objective	ADJ
fsr-3584	107	32	financial	financial	ADJ
fsr-3584	107	33	knowledge	knowledge	NOUN
fsr-3584	107	34	;	;	PUNCT
fsr-3584	107	35	𝑆𝑢𝑏𝑖	𝑆𝑢𝑏𝑖	PROPN
fsr-3584	107	36	represents	represent	VERB
fsr-3584	107	37	household	household	NOUN
fsr-3584	107	38	heads	head	NOUN
fsr-3584	107	39	’	'	PUNCT
fsr-3584	107	40	subjective	subjective	ADJ
fsr-3584	107	41	financial	financial	ADJ
fsr-3584	107	42	knowledge	knowledge	NOUN
fsr-3584	107	43	;	;	PUNCT
fsr-3584	107	44	and	and	CCONJ
fsr-3584	107	45	𝐶𝑖	𝐶𝑖	PROPN
fsr-3584	107	46	represents	represent	VERB
fsr-3584	107	47	a	a	DET
fsr-3584	107	48	set	set	NOUN
fsr-3584	107	49	of	of	ADP
fsr-3584	107	50	control	control	NOUN
fsr-3584	107	51	variables	variable	NOUN
fsr-3584	107	52	.	.	PUNCT
fsr-3584	108	1	model	model	NOUN
fsr-3584	108	2	3	3	NUM
fsr-3584	108	3	:	:	PUNCT
fsr-3584	108	4	log	log	NOUN
fsr-3584	108	5	p(nri	p(nri	NOUN
fsr-3584	108	6	)	)	PUNCT
fsr-3584	108	7	1−p(nri	1−p(nri	NUM
fsr-3584	108	8	)	)	PUNCT
fsr-3584	109	1	=	=	SYM
fsr-3584	110	1	α0	α0	ADJ
fsr-3584	110	2	+	+	CCONJ
fsr-3584	110	3	α1confi	α1confi	PROPN
fsr-3584	110	4	+	+	CCONJ
fsr-3584	110	5	α2ci	α2ci	NUM
fsr-3584	110	6	(	(	PUNCT
fsr-3584	110	7	3	3	NUM
fsr-3584	110	8	)	)	PUNCT
fsr-3584	110	9	where	where	SCONJ
fsr-3584	110	10	,	,	PUNCT
fsr-3584	110	11	𝑛𝑟𝑖	𝑛𝑟𝑖	NOUN
fsr-3584	110	12	represents	represent	VERB
fsr-3584	110	13	whether	whether	SCONJ
fsr-3584	110	14	workers	worker	NOUN
fsr-3584	110	15	retire	retire	VERB
fsr-3584	110	16	expectation	expectation	NOUN
fsr-3584	110	17	is	be	AUX
fsr-3584	110	18	“	"	PUNCT
fsr-3584	110	19	never	never	ADV
fsr-3584	110	20	retire	retire	VERB
fsr-3584	110	21	”	"	PUNCT
fsr-3584	110	22	;	;	PUNCT
fsr-3584	110	23	𝑂𝑣𝑒𝑟𝑖	𝑂𝑣𝑒𝑟𝑖	PROPN
fsr-3584	110	24	represents	represent	VERB
fsr-3584	110	25	household	household	NOUN
fsr-3584	110	26	heads	head	NOUN
fsr-3584	110	27	’	'	PUNCT
fsr-3584	110	28	financial	financial	ADJ
fsr-3584	110	29	knowledge	knowledge	NOUN
fsr-3584	110	30	confidence	confidence	NOUN
fsr-3584	110	31	;	;	PUNCT
fsr-3584	110	32	and	and	CCONJ
fsr-3584	110	33	𝐶𝑖	𝐶𝑖	PROPN
fsr-3584	110	34	represents	represent	VERB
fsr-3584	110	35	a	a	DET
fsr-3584	110	36	set	set	NOUN
fsr-3584	110	37	of	of	ADP
fsr-3584	110	38	control	control	NOUN
fsr-3584	110	39	variables	variable	NOUN
fsr-3584	110	40	.	.	PUNCT
fsr-3584	111	1	financial	financial	ADJ
fsr-3584	111	2	services	service	NOUN
fsr-3584	111	3	review	review	PROPN
fsr-3584	111	4	,	,	PUNCT
fsr-3584	111	5	32(3	32(3	NUM
fsr-3584	111	6	)	)	PUNCT
fsr-3584	111	7	24	24	NUM
fsr-3584	111	8	results	result	NOUN
fsr-3584	111	9	descriptive	descriptive	ADJ
fsr-3584	111	10	analysis	analysis	NOUN
fsr-3584	111	11	the	the	DET
fsr-3584	111	12	analytic	analytic	ADJ
fsr-3584	111	13	sample	sample	NOUN
fsr-3584	111	14	included	include	VERB
fsr-3584	111	15	4,607	4,607	NUM
fsr-3584	111	16	households	household	NOUN
fsr-3584	111	17	with	with	ADP
fsr-3584	111	18	full	full	ADJ
fsr-3584	111	19	-	-	PUNCT
fsr-3584	111	20	time	time	NOUN
fsr-3584	111	21	employed	employ	VERB
fsr-3584	111	22	household	household	NOUN
fsr-3584	111	23	heads	head	NOUN
fsr-3584	111	24	aged	age	VERB
fsr-3584	111	25	from	from	ADP
fsr-3584	111	26	35	35	NUM
fsr-3584	111	27	to	to	PART
fsr-3584	111	28	60	60	NUM
fsr-3584	111	29	years	year	NOUN
fsr-3584	111	30	,	,	PUNCT
fsr-3584	111	31	with	with	ADP
fsr-3584	111	32	2,395	2,395	NUM
fsr-3584	111	33	from	from	ADP
fsr-3584	111	34	the	the	DET
fsr-3584	111	35	2016	2016	NUM
fsr-3584	111	36	scf	scf	PROPN
fsr-3584	111	37	,	,	PUNCT
fsr-3584	111	38	and	and	CCONJ
fsr-3584	111	39	2,212	2,212	NUM
fsr-3584	111	40	from	from	ADP
fsr-3584	111	41	the	the	DET
fsr-3584	111	42	2019	2019	NUM
fsr-3584	111	43	scf	scf	PROPN
fsr-3584	111	44	.	.	PUNCT
fsr-3584	112	1	the	the	PRON
fsr-3584	112	2	never	never	ADV
fsr-3584	112	3	retire	retire	VERB
fsr-3584	112	4	rate	rate	NOUN
fsr-3584	112	5	for	for	ADP
fsr-3584	112	6	the	the	DET
fsr-3584	112	7	combined	combine	VERB
fsr-3584	112	8	analytic	analytic	ADJ
fsr-3584	112	9	sample	sample	NOUN
fsr-3584	112	10	was	be	AUX
fsr-3584	112	11	15.0	15.0	NUM
fsr-3584	112	12	%	%	NOUN
fsr-3584	112	13	,	,	PUNCT
fsr-3584	112	14	with	with	ADP
fsr-3584	112	15	15.2	15.2	NUM
fsr-3584	112	16	%	%	NOUN
fsr-3584	112	17	in	in	ADP
fsr-3584	112	18	2016	2016	NUM
fsr-3584	112	19	and	and	CCONJ
fsr-3584	112	20	14.8	14.8	NUM
fsr-3584	112	21	%	%	NOUN
fsr-3584	112	22	in	in	ADP
fsr-3584	112	23	2019	2019	NUM
fsr-3584	112	24	.	.	PUNCT
fsr-3584	113	1	the	the	DET
fsr-3584	113	2	rates	rate	NOUN
fsr-3584	113	3	were	be	AUX
fsr-3584	113	4	not	not	PART
fsr-3584	113	5	significantly	significantly	ADV
fsr-3584	113	6	different	different	ADJ
fsr-3584	113	7	.	.	PUNCT
fsr-3584	114	1	table	table	NOUN
fsr-3584	114	2	1	1	NUM
fsr-3584	114	3	shows	show	VERB
fsr-3584	114	4	the	the	DET
fsr-3584	114	5	descriptive	descriptive	ADJ
fsr-3584	114	6	results	result	NOUN
fsr-3584	114	7	for	for	ADP
fsr-3584	114	8	that	that	DET
fsr-3584	114	9	sample	sample	NOUN
fsr-3584	114	10	by	by	ADP
fsr-3584	114	11	financial	financial	ADJ
fsr-3584	114	12	knowledge	knowledge	NOUN
fsr-3584	114	13	categories	category	NOUN
fsr-3584	114	14	.	.	PUNCT
fsr-3584	115	1	table	table	NOUN
fsr-3584	115	2	1	1	NUM
fsr-3584	115	3	.	.	PUNCT
fsr-3584	116	1	rate	rate	NOUN
fsr-3584	116	2	of	of	ADP
fsr-3584	116	3	never	never	ADV
fsr-3584	116	4	retire	retire	VERB
fsr-3584	116	5	by	by	ADP
fsr-3584	116	6	household	household	NOUN
fsr-3584	116	7	characteristics	characteristic	NOUN
fsr-3584	116	8	,	,	PUNCT
fsr-3584	116	9	full	full	ADJ
fsr-3584	116	10	-	-	PUNCT
fsr-3584	116	11	time	time	NOUN
fsr-3584	116	12	worker	worker	NOUN
fsr-3584	116	13	households	household	NOUN
fsr-3584	116	14	with	with	ADP
fsr-3584	116	15	head	head	NOUN
fsr-3584	116	16	aged	aged	ADJ
fsr-3584	116	17	35	35	NUM
fsr-3584	116	18	-	-	SYM
fsr-3584	116	19	60	60	NUM
fsr-3584	116	20	,	,	PUNCT
fsr-3584	116	21	2016	2016	NUM
fsr-3584	116	22	and	and	CCONJ
fsr-3584	116	23	2019	2019	NUM
fsr-3584	116	24	scf	scf	PROPN
fsr-3584	116	25	variable	variable	ADJ
fsr-3584	116	26	distribution	distribution	NOUN
fsr-3584	116	27	%	%	NOUN
fsr-3584	116	28	never	never	ADV
fsr-3584	116	29	retire	retire	VERB
fsr-3584	116	30	significance	significance	NOUN
fsr-3584	116	31	level	level	NOUN
fsr-3584	116	32	total	total	NOUN
fsr-3584	116	33	sample	sample	NOUN
fsr-3584	116	34	100.0	100.0	NUM
fsr-3584	116	35	%	%	NOUN
fsr-3584	116	36	15.03	15.03	NUM
fsr-3584	116	37	%	%	NOUN
fsr-3584	116	38	2016	2016	NUM
fsr-3584	116	39	scf	scf	PROPN
fsr-3584	116	40	52.68	52.68	NUM
fsr-3584	116	41	%	%	NOUN
fsr-3584	116	42	15.22	15.22	NUM
fsr-3584	116	43	%	%	NOUN
fsr-3584	116	44	reference	reference	NOUN
fsr-3584	116	45	2019	2019	NUM
fsr-3584	116	46	scf	scf	PROPN
fsr-3584	116	47	47.31	47.31	NUM
fsr-3584	116	48	%	%	NOUN
fsr-3584	116	49	14.82	14.82	NUM
fsr-3584	116	50	%	%	NOUN
fsr-3584	116	51	0.395	0.395	NUM
fsr-3584	116	52	objective	objective	ADJ
fsr-3584	116	53	financial	financial	ADJ
fsr-3584	116	54	knowledge	knowledge	NOUN
fsr-3584	116	55	no	no	DET
fsr-3584	116	56	knowledge	knowledge	NOUN
fsr-3584	116	57	(	(	PUNCT
fsr-3584	116	58	0	0	NUM
fsr-3584	116	59	out	out	ADP
fsr-3584	116	60	of	of	ADP
fsr-3584	116	61	3	3	NUM
fsr-3584	116	62	right	right	ADJ
fsr-3584	116	63	)	)	PUNCT
fsr-3584	116	64	3.33	3.33	NUM
fsr-3584	116	65	%	%	NOUN
fsr-3584	116	66	18.88	18.88	NUM
fsr-3584	116	67	%	%	NOUN
fsr-3584	116	68	<	<	X
fsr-3584	116	69	.001	.001	NUM
fsr-3584	116	70	poor	poor	ADJ
fsr-3584	116	71	knowledge	knowledge	NOUN
fsr-3584	116	72	(	(	PUNCT
fsr-3584	116	73	1	1	NUM
fsr-3584	116	74	out	out	ADP
fsr-3584	116	75	of	of	ADP
fsr-3584	116	76	3	3	NUM
fsr-3584	116	77	right	right	ADJ
fsr-3584	116	78	)	)	PUNCT
fsr-3584	116	79	14.66	14.66	NUM
fsr-3584	116	80	%	%	NOUN
fsr-3584	116	81	17.41	17.41	NUM
fsr-3584	116	82	%	%	NOUN
fsr-3584	116	83	<	<	X
fsr-3584	116	84	.001	.001	NUM
fsr-3584	116	85	fair	fair	ADJ
fsr-3584	116	86	knowledge	knowledge	NOUN
fsr-3584	116	87	(	(	PUNCT
fsr-3584	116	88	2	2	NUM
fsr-3584	116	89	out	out	ADP
fsr-3584	116	90	of	of	ADP
fsr-3584	116	91	3	3	NUM
fsr-3584	116	92	right	right	ADJ
fsr-3584	116	93	)	)	PUNCT
fsr-3584	116	94	33.79	33.79	NUM
fsr-3584	116	95	%	%	NOUN
fsr-3584	116	96	18.32	18.32	NUM
fsr-3584	116	97	%	%	NOUN
fsr-3584	116	98	<	<	X
fsr-3584	116	99	.001	.001	NUM
fsr-3584	116	100	high	high	ADJ
fsr-3584	116	101	knowledge	knowledge	NOUN
fsr-3584	116	102	(	(	PUNCT
fsr-3584	116	103	3	3	NUM
fsr-3584	116	104	out	out	ADP
fsr-3584	116	105	of	of	ADP
fsr-3584	116	106	3	3	NUM
fsr-3584	116	107	right	right	ADJ
fsr-3584	116	108	)	)	PUNCT
fsr-3584	116	109	48.23	48.23	NUM
fsr-3584	116	110	%	%	NOUN
fsr-3584	116	111	11.73	11.73	NUM
fsr-3584	116	112	%	%	NOUN
fsr-3584	116	113	reference	reference	NOUN
fsr-3584	116	114	subjective	subjective	ADJ
fsr-3584	116	115	financial	financial	ADJ
fsr-3584	116	116	knowledge	knowledge	NOUN
fsr-3584	116	117	no	no	DET
fsr-3584	116	118	knowledge	knowledge	NOUN
fsr-3584	116	119	1.96	1.96	NUM
fsr-3584	116	120	%	%	NOUN
fsr-3584	116	121	29.75	29.75	NUM
fsr-3584	116	122	%	%	NOUN
fsr-3584	116	123	reference	reference	NOUN
fsr-3584	116	124	poor	poor	ADJ
fsr-3584	116	125	knowledge	knowledge	NOUN
fsr-3584	116	126	17.17	17.17	NUM
fsr-3584	116	127	%	%	NOUN
fsr-3584	116	128	19.52	19.52	NUM
fsr-3584	116	129	%	%	NOUN
fsr-3584	116	130	<	<	X
fsr-3584	116	131	.001	.001	NUM
fsr-3584	116	132	fair	fair	ADJ
fsr-3584	116	133	knowledge	knowledge	NOUN
fsr-3584	116	134	53.62	53.62	NUM
fsr-3584	116	135	%	%	NOUN
fsr-3584	116	136	13.53	13.53	NUM
fsr-3584	116	137	%	%	NOUN
fsr-3584	116	138	<	<	X
fsr-3584	116	139	.001	.001	NUM
fsr-3584	116	140	high	high	ADJ
fsr-3584	116	141	knowledge	knowledge	NOUN
fsr-3584	116	142	27.25	27.25	NUM
fsr-3584	116	143	%	%	NOUN
fsr-3584	116	144	14.09	14.09	NUM
fsr-3584	116	145	%	%	NOUN
fsr-3584	116	146	<	<	X
fsr-3584	116	147	.001	.001	NUM
fsr-3584	116	148	financial	financial	ADJ
fsr-3584	116	149	knowledge	knowledge	NOUN
fsr-3584	116	150	confidence	confidence	NOUN
fsr-3584	116	151	appropriate	appropriate	ADJ
fsr-3584	116	152	low	low	ADJ
fsr-3584	116	153	confidence	confidence	NOUN
fsr-3584	116	154	29.47	29.47	NUM
fsr-3584	116	155	%	%	NOUN
fsr-3584	116	156	18.68	18.68	NUM
fsr-3584	116	157	%	%	NOUN
fsr-3584	116	158	0.080	0.080	NUM
fsr-3584	116	159	underconfident	underconfident	NOUN
fsr-3584	116	160	21.98	21.98	NUM
fsr-3584	116	161	%	%	NOUN
fsr-3584	116	162	11.76	11.76	NUM
fsr-3584	116	163	%	%	NOUN
fsr-3584	116	164	<	<	X
fsr-3584	116	165	.001	.001	NUM
fsr-3584	116	166	overconfident	overconfident	ADJ
fsr-3584	116	167	22.31	22.31	NUM
fsr-3584	116	168	%	%	NOUN
fsr-3584	116	169	17.33	17.33	NUM
fsr-3584	116	170	%	%	NOUN
fsr-3584	116	171	reference	reference	NOUN
fsr-3584	116	172	appropriate	appropriate	ADJ
fsr-3584	116	173	high	high	ADJ
fsr-3584	116	174	confidence	confidence	NOUN
fsr-3584	116	175	26.25	26.25	NUM
fsr-3584	116	176	%	%	NOUN
fsr-3584	116	177	11.71	11.71	NUM
fsr-3584	116	178	%	%	NOUN
fsr-3584	116	179	<	<	X
fsr-3584	116	180	.001	.001	NUM
fsr-3584	116	181	notes	note	NOUN
fsr-3584	116	182	.	.	PUNCT
fsr-3584	117	1	n	n	NOUN
fsr-3584	117	2	=	=	SYM
fsr-3584	117	3	4,607	4,607	NUM
fsr-3584	117	4	households	household	NOUN
fsr-3584	117	5	.	.	PUNCT
fsr-3584	118	1	weighted	weight	VERB
fsr-3584	118	2	analyses	analysis	NOUN
fsr-3584	118	3	with	with	ADP
fsr-3584	118	4	rii	rii	PROPN
fsr-3584	118	5	means	means	PROPN
fsr-3584	118	6	tests	test	NOUN
fsr-3584	118	7	.	.	PUNCT
fsr-3584	119	1	objective	objective	ADJ
fsr-3584	119	2	financial	financial	ADJ
fsr-3584	119	3	knowledge	knowledge	NOUN
fsr-3584	119	4	was	be	AUX
fsr-3584	119	5	estimated	estimate	VERB
fsr-3584	119	6	using	use	VERB
fsr-3584	119	7	the	the	DET
fsr-3584	119	8	number	number	NOUN
fsr-3584	119	9	of	of	ADP
fsr-3584	119	10	questions	question	NOUN
fsr-3584	119	11	a	a	DET
fsr-3584	119	12	respondent	respondent	NOUN
fsr-3584	119	13	answered	answer	VERB
fsr-3584	119	14	correctly	correctly	ADV
fsr-3584	119	15	.	.	PUNCT
fsr-3584	120	1	only	only	ADV
fsr-3584	120	2	3.3	3.3	NUM
fsr-3584	120	3	%	%	NOUN
fsr-3584	120	4	of	of	ADP
fsr-3584	120	5	respondents	respondent	NOUN
fsr-3584	120	6	answered	answer	VERB
fsr-3584	120	7	all	all	DET
fsr-3584	120	8	three	three	NUM
fsr-3584	120	9	questions	question	NOUN
fsr-3584	120	10	incorrectly	incorrectly	ADV
fsr-3584	120	11	,	,	PUNCT
fsr-3584	120	12	while	while	SCONJ
fsr-3584	120	13	48.2	48.2	NUM
fsr-3584	120	14	%	%	NOUN
fsr-3584	120	15	answered	answer	VERB
fsr-3584	120	16	the	the	DET
fsr-3584	120	17	three	three	NUM
fsr-3584	120	18	questions	question	NOUN
fsr-3584	120	19	correctly	correctly	ADV
fsr-3584	120	20	.	.	PUNCT
fsr-3584	121	1	just	just	ADV
fsr-3584	121	2	under	under	ADP
fsr-3584	121	3	14.7	14.7	NUM
fsr-3584	121	4	%	%	NOUN
fsr-3584	121	5	answered	answer	VERB
fsr-3584	121	6	one	one	NUM
fsr-3584	121	7	question	question	NOUN
fsr-3584	121	8	correctly	correctly	ADV
fsr-3584	121	9	,	,	PUNCT
fsr-3584	121	10	and	and	CCONJ
fsr-3584	121	11	33.8	33.8	NUM
fsr-3584	121	12	%	%	NOUN
fsr-3584	121	13	answered	answer	VERB
fsr-3584	121	14	two	two	NUM
fsr-3584	121	15	questions	question	NOUN
fsr-3584	121	16	correctly	correctly	ADV
fsr-3584	121	17	.	.	PUNCT
fsr-3584	122	1	of	of	ADP
fsr-3584	122	2	the	the	DET
fsr-3584	122	3	respondents	respondent	NOUN
fsr-3584	122	4	who	who	PRON
fsr-3584	122	5	answered	answer	VERB
fsr-3584	122	6	all	all	DET
fsr-3584	122	7	three	three	NUM
fsr-3584	122	8	questions	question	NOUN
fsr-3584	122	9	incorrectly	incorrectly	ADV
fsr-3584	122	10	,	,	PUNCT
fsr-3584	122	11	18.9	18.9	NUM
fsr-3584	122	12	%	%	NOUN
fsr-3584	122	13	said	say	VERB
fsr-3584	122	14	they	they	PRON
fsr-3584	122	15	would	would	AUX
fsr-3584	122	16	never	never	ADV
fsr-3584	122	17	retire	retire	VERB
fsr-3584	122	18	,	,	PUNCT
fsr-3584	122	19	but	but	CCONJ
fsr-3584	122	20	only	only	ADV
fsr-3584	122	21	11.7	11.7	NUM
fsr-3584	122	22	%	%	NOUN
fsr-3584	122	23	of	of	ADP
fsr-3584	122	24	those	those	PRON
fsr-3584	122	25	who	who	PRON
fsr-3584	122	26	answered	answer	VERB
fsr-3584	122	27	all	all	DET
fsr-3584	122	28	three	three	NUM
fsr-3584	122	29	questions	question	NOUN
fsr-3584	122	30	correctly	correctly	ADV
fsr-3584	122	31	said	say	VERB
fsr-3584	122	32	they	they	PRON
fsr-3584	122	33	would	would	AUX
fsr-3584	122	34	never	never	ADV
fsr-3584	122	35	retire	retire	VERB
fsr-3584	122	36	.	.	PUNCT
fsr-3584	123	1	the	the	PRON
fsr-3584	123	2	never	never	ADV
fsr-3584	123	3	retire	retire	VERB
fsr-3584	123	4	rate	rate	NOUN
fsr-3584	123	5	for	for	ADP
fsr-3584	123	6	those	those	PRON
fsr-3584	123	7	who	who	PRON
fsr-3584	123	8	missed	miss	VERB
fsr-3584	123	9	one	one	NUM
fsr-3584	123	10	or	or	CCONJ
fsr-3584	123	11	more	more	ADJ
fsr-3584	123	12	questions	question	NOUN
fsr-3584	123	13	was	be	AUX
fsr-3584	123	14	higher	high	ADJ
fsr-3584	123	15	5	5	NUM
fsr-3584	123	16	the	the	DET
fsr-3584	123	17	p	p	ADJ
fsr-3584	123	18	values	value	NOUN
fsr-3584	123	19	shown	show	VERB
fsr-3584	123	20	in	in	ADP
fsr-3584	123	21	table	table	NOUN
fsr-3584	123	22	1	1	NUM
fsr-3584	123	23	are	be	AUX
fsr-3584	123	24	rii	rii	NOUN
fsr-3584	123	25	means	mean	VERB
fsr-3584	123	26	test	test	NOUN
fsr-3584	123	27	results	result	NOUN
fsr-3584	123	28	for	for	ADP
fsr-3584	123	29	comparisons	comparison	NOUN
fsr-3584	123	30	to	to	ADP
fsr-3584	123	31	the	the	DET
fsr-3584	123	32	reference	reference	NOUN
fsr-3584	123	33	group	group	NOUN
fsr-3584	123	34	(	(	PUNCT
fsr-3584	123	35	answered	answer	VERB
fsr-3584	123	36	all	all	DET
fsr-3584	123	37	three	three	NUM
fsr-3584	123	38	questions	question	NOUN
fsr-3584	123	39	correctly	correctly	ADV
fsr-3584	123	40	)	)	PUNCT
fsr-3584	123	41	.	.	PUNCT
fsr-3584	124	1	for	for	ADP
fsr-3584	124	2	instance	instance	NOUN
fsr-3584	124	3	,	,	PUNCT
fsr-3584	124	4	the	the	PRON
fsr-3584	124	5	never	never	ADV
fsr-3584	124	6	retire	retire	VERB
fsr-3584	124	7	rate	rate	NOUN
fsr-3584	124	8	for	for	ADP
fsr-3584	124	9	those	those	PRON
fsr-3584	124	10	who	who	PRON
fsr-3584	124	11	answered	answer	VERB
fsr-3584	124	12	the	the	DET
fsr-3584	124	13	three	three	NUM
fsr-3584	124	14	than	than	ADP
fsr-3584	124	15	the	the	DET
fsr-3584	124	16	rate	rate	NOUN
fsr-3584	124	17	for	for	ADP
fsr-3584	124	18	those	those	PRON
fsr-3584	124	19	who	who	PRON
fsr-3584	124	20	answered	answer	VERB
fsr-3584	124	21	all	all	DET
fsr-3584	124	22	three	three	NUM
fsr-3584	124	23	questions	question	NOUN
fsr-3584	124	24	correctly	correctly	ADV
fsr-3584	124	25	,	,	PUNCT
fsr-3584	124	26	and	and	CCONJ
fsr-3584	124	27	the	the	DET
fsr-3584	124	28	difference	difference	NOUN
fsr-3584	124	29	was	be	AUX
fsr-3584	124	30	significantly	significantly	ADV
fsr-3584	124	31	higher	high	ADJ
fsr-3584	124	32	than	than	ADP
fsr-3584	124	33	the	the	DET
fsr-3584	124	34	rates	rate	NOUN
fsr-3584	124	35	for	for	ADP
fsr-3584	124	36	those	those	PRON
fsr-3584	124	37	who	who	PRON
fsr-3584	124	38	answered	answer	VERB
fsr-3584	124	39	all	all	DET
fsr-3584	124	40	three	three	NUM
fsr-3584	124	41	questions	question	NOUN
fsr-3584	124	42	correctly.5	correctly.5	NOUN
fsr-3584	124	43	in	in	ADP
fsr-3584	124	44	terms	term	NOUN
fsr-3584	124	45	of	of	ADP
fsr-3584	124	46	subjective	subjective	ADJ
fsr-3584	124	47	financial	financial	ADJ
fsr-3584	124	48	knowledge	knowledge	NOUN
fsr-3584	124	49	,	,	PUNCT
fsr-3584	124	50	29.8	29.8	NUM
fsr-3584	124	51	%	%	NOUN
fsr-3584	124	52	of	of	ADP
fsr-3584	124	53	those	those	PRON
fsr-3584	124	54	who	who	PRON
fsr-3584	124	55	indicated	indicate	VERB
fsr-3584	124	56	that	that	SCONJ
fsr-3584	124	57	they	they	PRON
fsr-3584	124	58	are	be	AUX
fsr-3584	124	59	not	not	PART
fsr-3584	124	60	financially	financially	ADV
fsr-3584	124	61	knowledgeable	knowledgeable	ADJ
fsr-3584	124	62	(	(	PUNCT
fsr-3584	124	63	levels	level	NOUN
fsr-3584	124	64	0	0	NUM
fsr-3584	124	65	,	,	PUNCT
fsr-3584	124	66	1	1	NUM
fsr-3584	124	67	,	,	PUNCT
fsr-3584	124	68	or	or	CCONJ
fsr-3584	124	69	2	2	NUM
fsr-3584	124	70	)	)	PUNCT
fsr-3584	124	71	expected	expect	VERB
fsr-3584	124	72	to	to	PART
fsr-3584	124	73	never	never	ADV
fsr-3584	124	74	retire	retire	VERB
fsr-3584	124	75	,	,	PUNCT
fsr-3584	124	76	while	while	SCONJ
fsr-3584	124	77	14.1	14.1	NUM
fsr-3584	124	78	%	%	NOUN
fsr-3584	124	79	of	of	ADP
fsr-3584	124	80	respondents	respondent	NOUN
fsr-3584	124	81	who	who	PRON
fsr-3584	124	82	believe	believe	VERB
fsr-3584	124	83	they	they	PRON
fsr-3584	124	84	are	be	AUX
fsr-3584	124	85	very	very	ADV
fsr-3584	124	86	knowledgeable	knowledgeable	ADJ
fsr-3584	124	87	(	(	PUNCT
fsr-3584	124	88	levels	level	NOUN
fsr-3584	124	89	9	9	NUM
fsr-3584	124	90	or	or	CCONJ
fsr-3584	124	91	10	10	NUM
fsr-3584	124	92	)	)	PUNCT
fsr-3584	124	93	gave	give	VERB
fsr-3584	124	94	the	the	PRON
fsr-3584	124	95	never	never	ADV
fsr-3584	124	96	retire	retire	VERB
fsr-3584	124	97	response	response	NOUN
fsr-3584	124	98	.	.	PUNCT
fsr-3584	125	1	the	the	DET
fsr-3584	125	2	rates	rate	NOUN
fsr-3584	125	3	for	for	ADP
fsr-3584	125	4	“	"	PUNCT
fsr-3584	125	5	some	some	PRON
fsr-3584	125	6	,	,	PUNCT
fsr-3584	125	7	”	"	PUNCT
fsr-3584	125	8	“	"	PUNCT
fsr-3584	125	9	good	good	ADJ
fsr-3584	125	10	,	,	PUNCT
fsr-3584	125	11	”	"	PUNCT
fsr-3584	125	12	and	and	CCONJ
fsr-3584	125	13	“	"	PUNCT
fsr-3584	125	14	high	high	ADJ
fsr-3584	125	15	”	"	PUNCT
fsr-3584	125	16	levels	level	NOUN
fsr-3584	125	17	of	of	ADP
fsr-3584	125	18	subjective	subjective	ADJ
fsr-3584	125	19	knowledge	knowledge	NOUN
fsr-3584	125	20	were	be	AUX
fsr-3584	125	21	significantly	significantly	ADV
fsr-3584	125	22	lower	low	ADJ
fsr-3584	125	23	than	than	ADP
fsr-3584	125	24	the	the	DET
fsr-3584	125	25	rates	rate	NOUN
fsr-3584	125	26	for	for	ADP
fsr-3584	125	27	those	those	PRON
fsr-3584	125	28	with	with	ADP
fsr-3584	125	29	questions	question	NOUN
fsr-3584	125	30	correctly	correctly	ADV
fsr-3584	125	31	was	be	AUX
fsr-3584	125	32	significantly	significantly	ADV
fsr-3584	125	33	lower	low	ADJ
fsr-3584	125	34	than	than	ADP
fsr-3584	125	35	the	the	DET
fsr-3584	125	36	rate	rate	NOUN
fsr-3584	125	37	for	for	ADP
fsr-3584	125	38	those	those	PRON
fsr-3584	125	39	who	who	PRON
fsr-3584	125	40	answered	answer	VERB
fsr-3584	125	41	two	two	NUM
fsr-3584	125	42	questions	question	NOUN
fsr-3584	125	43	correctly	correctly	ADV
fsr-3584	125	44	and	and	CCONJ
fsr-3584	125	45	also	also	ADV
fsr-3584	125	46	lower	low	ADJ
fsr-3584	125	47	than	than	ADP
fsr-3584	125	48	the	the	DET
fsr-3584	125	49	rate	rate	NOUN
fsr-3584	125	50	for	for	ADP
fsr-3584	125	51	those	those	PRON
fsr-3584	125	52	who	who	PRON
fsr-3584	125	53	answered	answer	VERB
fsr-3584	125	54	one	one	NUM
fsr-3584	125	55	question	question	NOUN
fsr-3584	125	56	correctly	correctly	ADV
fsr-3584	125	57	.	.	PUNCT
fsr-3584	126	1	zhang	zhang	PROPN
fsr-3584	126	2	et	et	PROPN
fsr-3584	126	3	al	al	PROPN
fsr-3584	126	4	.	.	PROPN
fsr-3584	126	5	25	25	NUM
fsr-3584	126	6	“	"	PUNCT
fsr-3584	126	7	low	low	ADJ
fsr-3584	126	8	”	"	PUNCT
fsr-3584	126	9	perceived	perceive	VERB
fsr-3584	126	10	financial	financial	ADJ
fsr-3584	126	11	knowledge	knowledge	NOUN
fsr-3584	126	12	.	.	PUNCT
fsr-3584	127	1	the	the	DET
fsr-3584	127	2	rates	rate	NOUN
fsr-3584	127	3	for	for	ADP
fsr-3584	127	4	“	"	PUNCT
fsr-3584	127	5	some	some	PRON
fsr-3584	127	6	”	"	PUNCT
fsr-3584	127	7	and	and	CCONJ
fsr-3584	127	8	“	"	PUNCT
fsr-3584	127	9	good	good	ADJ
fsr-3584	127	10	”	"	PUNCT
fsr-3584	127	11	were	be	AUX
fsr-3584	127	12	significantly	significantly	ADV
fsr-3584	127	13	different	different	ADJ
fsr-3584	127	14	,	,	PUNCT
fsr-3584	127	15	as	as	SCONJ
fsr-3584	127	16	were	be	AUX
fsr-3584	127	17	the	the	DET
fsr-3584	127	18	rates	rate	NOUN
fsr-3584	127	19	for	for	ADP
fsr-3584	127	20	“	"	PUNCT
fsr-3584	127	21	some	some	PRON
fsr-3584	127	22	”	"	PUNCT
fsr-3584	127	23	and	and	CCONJ
fsr-3584	127	24	“	"	PUNCT
fsr-3584	127	25	high	high	ADJ
fsr-3584	127	26	.	.	PUNCT
fsr-3584	127	27	”	"	PUNCT
fsr-3584	128	1	when	when	SCONJ
fsr-3584	128	2	respondents	respondent	NOUN
fsr-3584	128	3	were	be	AUX
fsr-3584	128	4	categorized	categorize	VERB
fsr-3584	128	5	into	into	ADP
fsr-3584	128	6	financial	financial	ADJ
fsr-3584	128	7	knowledge	knowledge	NOUN
fsr-3584	128	8	confidence	confidence	NOUN
fsr-3584	128	9	groups	group	NOUN
fsr-3584	128	10	,	,	PUNCT
fsr-3584	128	11	those	those	PRON
fsr-3584	128	12	who	who	PRON
fsr-3584	128	13	were	be	AUX
fsr-3584	128	14	underconfident	underconfident	ADJ
fsr-3584	128	15	and	and	CCONJ
fsr-3584	128	16	those	those	PRON
fsr-3584	128	17	who	who	PRON
fsr-3584	128	18	had	have	VERB
fsr-3584	128	19	appropriately	appropriately	ADV
fsr-3584	128	20	high	high	ADJ
fsr-3584	128	21	confidence	confidence	NOUN
fsr-3584	128	22	were	be	AUX
fsr-3584	128	23	significantly	significantly	ADV
fsr-3584	128	24	less	less	ADV
fsr-3584	128	25	likely	likely	ADJ
fsr-3584	128	26	to	to	PART
fsr-3584	128	27	have	have	AUX
fsr-3584	128	28	chosen	choose	VERB
fsr-3584	128	29	the	the	PRON
fsr-3584	128	30	never	never	ADV
fsr-3584	128	31	retire	retire	VERB
fsr-3584	128	32	response	response	NOUN
fsr-3584	128	33	than	than	ADP
fsr-3584	128	34	those	those	PRON
fsr-3584	128	35	who	who	PRON
fsr-3584	128	36	had	have	VERB
fsr-3584	128	37	appropriately	appropriately	ADV
fsr-3584	128	38	low	low	ADJ
fsr-3584	128	39	confidence	confidence	NOUN
fsr-3584	128	40	.	.	PUNCT
fsr-3584	129	1	those	those	PRON
fsr-3584	129	2	with	with	ADP
fsr-3584	129	3	appropriately	appropriately	ADV
fsr-3584	129	4	low	low	ADJ
fsr-3584	129	5	confidence	confidence	NOUN
fsr-3584	129	6	and	and	CCONJ
fsr-3584	129	7	the	the	DET
fsr-3584	129	8	overconfident	overconfident	NOUN
fsr-3584	129	9	had	have	AUX
fsr-3584	129	10	never	never	ADV
fsr-3584	129	11	retire	retire	VERB
fsr-3584	129	12	rates	rate	NOUN
fsr-3584	129	13	of	of	ADP
fsr-3584	129	14	18.7	18.7	NUM
fsr-3584	129	15	%	%	NOUN
fsr-3584	129	16	and	and	CCONJ
fsr-3584	129	17	17.3	17.3	NUM
fsr-3584	129	18	%	%	NOUN
fsr-3584	129	19	,	,	PUNCT
fsr-3584	129	20	respectively	respectively	ADV
fsr-3584	129	21	,	,	PUNCT
fsr-3584	129	22	compared	compare	VERB
fsr-3584	129	23	to	to	ADP
fsr-3584	129	24	11.8	11.8	NUM
fsr-3584	129	25	%	%	NOUN
fsr-3584	129	26	for	for	ADP
fsr-3584	129	27	those	those	PRON
fsr-3584	129	28	with	with	ADP
fsr-3584	129	29	appropriately	appropriately	ADV
fsr-3584	129	30	high	high	ADJ
fsr-3584	129	31	financial	financial	ADJ
fsr-3584	129	32	confidence	confidence	NOUN
fsr-3584	129	33	levels	level	NOUN
fsr-3584	129	34	,	,	PUNCT
fsr-3584	129	35	and	and	CCONJ
fsr-3584	129	36	11.7	11.7	NUM
fsr-3584	129	37	%	%	NOUN
fsr-3584	129	38	for	for	ADP
fsr-3584	129	39	the	the	DET
fsr-3584	129	40	financially	financially	ADV
fsr-3584	129	41	underconfident	underconfident	ADJ
fsr-3584	129	42	.	.	PUNCT
fsr-3584	130	1	regression	regression	NOUN
fsr-3584	130	2	results	result	VERB
fsr-3584	130	3	the	the	DET
fsr-3584	130	4	following	follow	VERB
fsr-3584	130	5	discussion	discussion	NOUN
fsr-3584	130	6	highlights	highlight	NOUN
fsr-3584	130	7	results	result	NOUN
fsr-3584	130	8	from	from	ADP
fsr-3584	130	9	the	the	DET
fsr-3584	130	10	three	three	NUM
fsr-3584	130	11	logistic	logistic	ADJ
fsr-3584	130	12	regression	regression	NOUN
fsr-3584	130	13	models	model	NOUN
fsr-3584	130	14	using	use	VERB
fsr-3584	130	15	the	the	PRON
fsr-3584	130	16	never	never	ADV
fsr-3584	130	17	retire	retire	VERB
fsr-3584	130	18	response	response	NOUN
fsr-3584	130	19	as	as	ADP
fsr-3584	130	20	the	the	DET
fsr-3584	130	21	outcome	outcome	NOUN
fsr-3584	130	22	variable	variable	NOUN
fsr-3584	130	23	.	.	PUNCT
fsr-3584	131	1	model	model	NOUN
fsr-3584	131	2	1	1	NUM
fsr-3584	131	3	included	include	VERB
fsr-3584	131	4	the	the	DET
fsr-3584	131	5	same	same	ADJ
fsr-3584	131	6	variables	variable	NOUN
fsr-3584	131	7	used	use	VERB
fsr-3584	131	8	by	by	ADP
fsr-3584	131	9	hanna	hanna	PROPN
fsr-3584	131	10	et	et	PROPN
fsr-3584	131	11	al	al	PROPN
fsr-3584	131	12	.	.	PROPN
fsr-3584	132	1	(	(	PUNCT
fsr-3584	132	2	2017	2017	NUM
fsr-3584	132	3	)	)	PUNCT
fsr-3584	132	4	(	(	PUNCT
fsr-3584	132	5	table	table	NOUN
fsr-3584	132	6	2	2	NUM
fsr-3584	132	7	)	)	PUNCT
fsr-3584	132	8	.	.	PUNCT
fsr-3584	133	1	model	model	NOUN
fsr-3584	133	2	2	2	NUM
fsr-3584	133	3	utilized	utilize	VERB
fsr-3584	133	4	the	the	DET
fsr-3584	133	5	same	same	ADJ
fsr-3584	133	6	independent	independent	ADJ
fsr-3584	133	7	variables	variable	NOUN
fsr-3584	133	8	in	in	ADP
fsr-3584	133	9	model	model	NOUN
fsr-3584	133	10	1	1	NUM
fsr-3584	133	11	,	,	PUNCT
fsr-3584	133	12	plus	plus	CCONJ
fsr-3584	133	13	dummy	dummy	ADJ
fsr-3584	133	14	variables	variable	NOUN
fsr-3584	133	15	for	for	ADP
fsr-3584	133	16	objective	objective	ADJ
fsr-3584	133	17	and	and	CCONJ
fsr-3584	133	18	subjective	subjective	ADJ
fsr-3584	133	19	financial	financial	ADJ
fsr-3584	133	20	knowledge	knowledge	NOUN
fsr-3584	133	21	(	(	PUNCT
fsr-3584	133	22	table	table	NOUN
fsr-3584	133	23	3	3	NUM
fsr-3584	133	24	)	)	PUNCT
fsr-3584	133	25	.	.	PUNCT
fsr-3584	134	1	model	model	NOUN
fsr-3584	134	2	3	3	NUM
fsr-3584	134	3	included	include	VERB
fsr-3584	134	4	the	the	DET
fsr-3584	134	5	independent	independent	ADJ
fsr-3584	134	6	variables	variable	NOUN
fsr-3584	134	7	from	from	ADP
fsr-3584	134	8	model	model	NOUN
fsr-3584	134	9	1	1	NUM
fsr-3584	134	10	plus	plus	CCONJ
fsr-3584	134	11	dummy	dummy	ADJ
fsr-3584	134	12	variables	variable	NOUN
fsr-3584	134	13	for	for	ADP
fsr-3584	134	14	the	the	DET
fsr-3584	134	15	level	level	NOUN
fsr-3584	134	16	of	of	ADP
fsr-3584	134	17	financial	financial	ADJ
fsr-3584	134	18	knowledge	knowledge	NOUN
fsr-3584	134	19	confidence	confidence	NOUN
fsr-3584	134	20	(	(	PUNCT
fsr-3584	134	21	table	table	NOUN
fsr-3584	134	22	4	4	NUM
fsr-3584	134	23	)	)	PUNCT
fsr-3584	134	24	.	.	PUNCT
fsr-3584	135	1	the	the	DET
fsr-3584	135	2	results	result	NOUN
fsr-3584	135	3	shown	show	VERB
fsr-3584	135	4	in	in	ADP
fsr-3584	135	5	table	table	NOUN
fsr-3584	135	6	2	2	NUM
fsr-3584	135	7	are	be	AUX
fsr-3584	135	8	mostly	mostly	ADV
fsr-3584	135	9	consistent	consistent	ADJ
fsr-3584	135	10	with	with	ADP
fsr-3584	135	11	the	the	DET
fsr-3584	135	12	results	result	NOUN
fsr-3584	135	13	of	of	ADP
fsr-3584	135	14	hanna	hanna	PROPN
fsr-3584	135	15	et	et	PROPN
fsr-3584	135	16	al	al	PROPN
fsr-3584	135	17	.	.	PROPN
fsr-3584	136	1	(	(	PUNCT
fsr-3584	136	2	2017	2017	NUM
fsr-3584	136	3	)	)	PUNCT
fsr-3584	136	4	,	,	PUNCT
fsr-3584	136	5	with	with	ADP
fsr-3584	136	6	one	one	NUM
fsr-3584	136	7	exception	exception	NOUN
fsr-3584	136	8	.	.	PUNCT
fsr-3584	137	1	hanna	hanna	PROPN
fsr-3584	137	2	et	et	PROPN
fsr-3584	137	3	al	al	PROPN
fsr-3584	137	4	.	.	PROPN
fsr-3584	137	5	found	find	VERB
fsr-3584	137	6	household	household	NOUN
fsr-3584	137	7	income	income	NOUN
fsr-3584	137	8	to	to	PART
fsr-3584	137	9	be	be	AUX
fsr-3584	137	10	negatively	negatively	ADV
fsr-3584	137	11	related	relate	VERB
fsr-3584	137	12	to	to	ADP
fsr-3584	137	13	the	the	PRON
fsr-3584	137	14	never	never	ADV
fsr-3584	137	15	retire	retire	VERB
fsr-3584	137	16	response	response	NOUN
fsr-3584	137	17	.	.	PUNCT
fsr-3584	138	1	we	we	PRON
fsr-3584	138	2	observed	observe	VERB
fsr-3584	138	3	the	the	DET
fsr-3584	138	4	effect	effect	NOUN
fsr-3584	138	5	of	of	ADP
fsr-3584	138	6	household	household	NOUN
fsr-3584	138	7	income	income	NOUN
fsr-3584	138	8	to	to	PART
fsr-3584	138	9	be	be	AUX
fsr-3584	138	10	negative	negative	ADJ
fsr-3584	138	11	;	;	PUNCT
fsr-3584	138	12	however	however	ADV
fsr-3584	138	13	,	,	PUNCT
fsr-3584	138	14	the	the	DET
fsr-3584	138	15	two	two	NUM
fsr-3584	138	16	-	-	PUNCT
fsr-3584	138	17	tail	tail	NOUN
fsr-3584	138	18	p	p	NOUN
fsr-3584	138	19	value	value	NOUN
fsr-3584	138	20	was	be	AUX
fsr-3584	138	21	not	not	PART
fsr-3584	138	22	significant	significant	ADJ
fsr-3584	138	23	.	.	PUNCT
fsr-3584	139	1	hispanic	hispanic	ADJ
fsr-3584	139	2	respondents	respondent	NOUN
fsr-3584	139	3	were	be	AUX
fsr-3584	139	4	less	less	ADV
fsr-3584	139	5	likely	likely	ADJ
fsr-3584	139	6	to	to	PART
fsr-3584	139	7	give	give	VERB
fsr-3584	139	8	a	a	PRON
fsr-3584	139	9	never	never	ADV
fsr-3584	139	10	retire	retire	VERB
fsr-3584	139	11	response	response	NOUN
fsr-3584	139	12	than	than	ADP
fsr-3584	139	13	white	white	ADJ
fsr-3584	139	14	respondents	respondent	NOUN
fsr-3584	139	15	.	.	PUNCT
fsr-3584	140	1	having	have	VERB
fsr-3584	140	2	a	a	DET
fsr-3584	140	3	defined	define	VERB
fsr-3584	140	4	benefit	benefit	NOUN
fsr-3584	140	5	plan	plan	NOUN
fsr-3584	140	6	was	be	AUX
fsr-3584	140	7	negatively	negatively	ADV
fsr-3584	140	8	associated	associate	VERB
fsr-3584	140	9	with	with	ADP
fsr-3584	140	10	the	the	DET
fsr-3584	140	11	never	never	ADV
fsr-3584	140	12	retire	retire	VERB
fsr-3584	140	13	response	response	NOUN
fsr-3584	140	14	.	.	PUNCT
fsr-3584	141	1	expecting	expect	VERB
fsr-3584	141	2	a	a	DET
fsr-3584	141	3	substantial	substantial	ADJ
fsr-3584	141	4	inheritance	inheritance	NOUN
fsr-3584	141	5	and	and	CCONJ
fsr-3584	141	6	spending	spend	VERB
fsr-3584	141	7	less	less	ADJ
fsr-3584	141	8	than	than	SCONJ
fsr-3584	141	9	income	income	NOUN
fsr-3584	141	10	was	be	AUX
fsr-3584	141	11	also	also	ADV
fsr-3584	141	12	negatively	negatively	ADV
fsr-3584	141	13	associated	associate	VERB
fsr-3584	141	14	with	with	ADP
fsr-3584	141	15	the	the	PRON
fsr-3584	141	16	never	never	ADV
fsr-3584	141	17	retire	retire	VERB
fsr-3584	141	18	response	response	NOUN
fsr-3584	141	19	.	.	PUNCT
fsr-3584	142	1	those	those	PRON
fsr-3584	142	2	who	who	PRON
fsr-3584	142	3	expected	expect	VERB
fsr-3584	142	4	their	their	PRON
fsr-3584	142	5	retirement	retirement	NOUN
fsr-3584	142	6	income	income	NOUN
fsr-3584	142	7	to	to	PART
fsr-3584	142	8	be	be	AUX
fsr-3584	142	9	satisfactory	satisfactory	ADJ
fsr-3584	142	10	were	be	AUX
fsr-3584	142	11	less	less	ADV
fsr-3584	142	12	likely	likely	ADJ
fsr-3584	142	13	to	to	PART
fsr-3584	142	14	give	give	VERB
fsr-3584	142	15	a	a	PRON
fsr-3584	142	16	never	never	ADV
fsr-3584	142	17	retire	retire	VERB
fsr-3584	142	18	response	response	NOUN
fsr-3584	142	19	than	than	ADP
fsr-3584	142	20	those	those	PRON
fsr-3584	142	21	who	who	PRON
fsr-3584	142	22	expected	expect	VERB
fsr-3584	142	23	retirement	retirement	NOUN
fsr-3584	142	24	income	income	NOUN
fsr-3584	142	25	to	to	PART
fsr-3584	142	26	be	be	AUX
fsr-3584	142	27	“	"	PUNCT
fsr-3584	142	28	enough	enough	ADJ
fsr-3584	142	29	.	.	PUNCT
fsr-3584	142	30	”	"	PUNCT
fsr-3584	143	1	single	single	ADJ
fsr-3584	143	2	males	male	NOUN
fsr-3584	143	3	and	and	CCONJ
fsr-3584	143	4	partnered	partner	VERB
fsr-3584	143	5	couples	couple	NOUN
fsr-3584	143	6	were	be	AUX
fsr-3584	143	7	more	more	ADV
fsr-3584	143	8	likely	likely	ADJ
fsr-3584	143	9	to	to	PART
fsr-3584	143	10	give	give	VERB
fsr-3584	143	11	a	a	PRON
fsr-3584	143	12	never	never	ADV
fsr-3584	143	13	retire	retire	VERB
fsr-3584	143	14	response	response	NOUN
fsr-3584	143	15	than	than	ADP
fsr-3584	143	16	otherwise	otherwise	ADV
fsr-3584	143	17	similar	similar	ADJ
fsr-3584	143	18	married	married	ADJ
fsr-3584	143	19	couples	couple	NOUN
fsr-3584	143	20	.	.	PUNCT
fsr-3584	144	1	being	be	AUX
fsr-3584	144	2	self	self	NOUN
fsr-3584	144	3	-	-	PUNCT
fsr-3584	144	4	employed	employ	VERB
fsr-3584	144	5	was	be	AUX
fsr-3584	144	6	also	also	ADV
fsr-3584	144	7	positively	positively	ADV
fsr-3584	144	8	associated	associate	VERB
fsr-3584	144	9	with	with	ADP
fsr-3584	144	10	the	the	DET
fsr-3584	144	11	never	never	ADV
fsr-3584	144	12	retire	retire	VERB
fsr-3584	144	13	response	response	NOUN
fsr-3584	144	14	.	.	PUNCT
fsr-3584	145	1	years	year	NOUN
fsr-3584	145	2	of	of	ADP
fsr-3584	145	3	education	education	NOUN
fsr-3584	145	4	,	,	PUNCT
fsr-3584	145	5	expecting	expect	VERB
fsr-3584	145	6	to	to	PART
fsr-3584	145	7	live	live	VERB
fsr-3584	145	8	a	a	DET
fsr-3584	145	9	longer	long	ADJ
fsr-3584	145	10	time	time	NOUN
fsr-3584	145	11	,	,	PUNCT
fsr-3584	145	12	and	and	CCONJ
fsr-3584	145	13	having	have	VERB
fsr-3584	145	14	health	health	NOUN
fsr-3584	145	15	insurance	insurance	NOUN
fsr-3584	145	16	also	also	ADV
fsr-3584	145	17	were	be	AUX
fsr-3584	145	18	negatively	negatively	ADV
fsr-3584	145	19	related	relate	VERB
fsr-3584	145	20	to	to	ADP
fsr-3584	145	21	the	the	PRON
fsr-3584	145	22	never	never	ADV
fsr-3584	145	23	retire	retire	VERB
fsr-3584	145	24	response	response	NOUN
fsr-3584	145	25	.	.	PUNCT
fsr-3584	146	1	there	there	PRON
fsr-3584	146	2	was	be	VERB
fsr-3584	146	3	no	no	DET
fsr-3584	146	4	significant	significant	ADJ
fsr-3584	146	5	difference	difference	NOUN
fsr-3584	146	6	between	between	ADP
fsr-3584	146	7	2016	2016	NUM
fsr-3584	146	8	and	and	CCONJ
fsr-3584	146	9	2019	2019	NUM
fsr-3584	146	10	in	in	ADP
fsr-3584	146	11	the	the	PRON
fsr-3584	146	12	never	never	ADV
fsr-3584	146	13	retire	retire	VERB
fsr-3584	146	14	response	response	NOUN
fsr-3584	146	15	.	.	PUNCT
fsr-3584	147	1	table	table	NOUN
fsr-3584	147	2	3	3	NUM
fsr-3584	147	3	shows	show	VERB
fsr-3584	147	4	the	the	DET
fsr-3584	147	5	results	result	NOUN
fsr-3584	147	6	from	from	ADP
fsr-3584	147	7	model	model	NOUN
fsr-3584	147	8	2	2	NUM
fsr-3584	147	9	,	,	PUNCT
fsr-3584	147	10	with	with	ADP
fsr-3584	147	11	the	the	DET
fsr-3584	147	12	financial	financial	ADJ
fsr-3584	147	13	knowledge	knowledge	NOUN
fsr-3584	147	14	variables	variable	NOUN
fsr-3584	147	15	added	add	VERB
fsr-3584	147	16	to	to	ADP
fsr-3584	147	17	the	the	DET
fsr-3584	147	18	independent	independent	ADJ
fsr-3584	147	19	variable	variable	ADJ
fsr-3584	147	20	list	list	NOUN
fsr-3584	147	21	.	.	PUNCT
fsr-3584	148	1	compared	compare	VERB
fsr-3584	148	2	to	to	ADP
fsr-3584	148	3	heads	head	NOUN
fsr-3584	148	4	in	in	ADP
fsr-3584	148	5	households	household	NOUN
fsr-3584	148	6	with	with	ADP
fsr-3584	148	7	high	high	ADJ
fsr-3584	148	8	objective	objective	ADJ
fsr-3584	148	9	financial	financial	ADJ
fsr-3584	148	10	knowledge	knowledge	NOUN
fsr-3584	148	11	levels	level	NOUN
fsr-3584	148	12	,	,	PUNCT
fsr-3584	148	13	heads	head	NOUN
fsr-3584	148	14	in	in	ADP
fsr-3584	148	15	households	household	NOUN
fsr-3584	148	16	with	with	ADP
fsr-3584	148	17	fair	fair	ADJ
fsr-3584	148	18	financial	financial	ADJ
fsr-3584	148	19	knowledge	knowledge	NOUN
fsr-3584	148	20	levels	level	NOUN
fsr-3584	148	21	were	be	AUX
fsr-3584	148	22	more	more	ADV
fsr-3584	148	23	likely	likely	ADJ
fsr-3584	148	24	to	to	PART
fsr-3584	148	25	give	give	VERB
fsr-3584	148	26	a	a	DET
fsr-3584	148	27	never	never	ADV
fsr-3584	148	28	retire	retire	NOUN
fsr-3584	148	29	response	response	NOUN
fsr-3584	148	30	,	,	PUNCT
fsr-3584	148	31	with	with	ADP
fsr-3584	148	32	an	an	DET
fsr-3584	148	33	odds	odd	NOUN
fsr-3584	148	34	ratio	ratio	NOUN
fsr-3584	148	35	of	of	ADP
fsr-3584	148	36	a	a	PRON
fsr-3584	148	37	never	never	ADV
fsr-3584	148	38	retire	retire	VERB
fsr-3584	148	39	response	response	NOUN
fsr-3584	148	40	1.24	1.24	NUM
fsr-3584	148	41	times	time	NOUN
fsr-3584	148	42	as	as	ADV
fsr-3584	148	43	high	high	ADJ
fsr-3584	148	44	as	as	ADP
fsr-3584	148	45	the	the	DET
fsr-3584	148	46	ratio	ratio	NOUN
fsr-3584	148	47	for	for	ADP
fsr-3584	148	48	those	those	PRON
fsr-3584	148	49	who	who	PRON
fsr-3584	148	50	got	get	VERB
fsr-3584	148	51	all	all	PRON
fsr-3584	148	52	of	of	ADP
fsr-3584	148	53	the	the	DET
fsr-3584	148	54	questions	question	NOUN
fsr-3584	148	55	correct	correct	ADJ
fsr-3584	148	56	.	.	PUNCT
fsr-3584	149	1	the	the	DET
fsr-3584	149	2	association	association	NOUN
fsr-3584	149	3	between	between	ADP
fsr-3584	149	4	control	control	NOUN
fsr-3584	149	5	variables	variable	NOUN
fsr-3584	149	6	and	and	CCONJ
fsr-3584	149	7	the	the	DET
fsr-3584	149	8	never	never	ADV
fsr-3584	149	9	retire	retire	VERB
fsr-3584	149	10	response	response	NOUN
fsr-3584	149	11	were	be	AUX
fsr-3584	149	12	similar	similar	ADJ
fsr-3584	149	13	to	to	ADP
fsr-3584	149	14	the	the	DET
fsr-3584	149	15	results	result	NOUN
fsr-3584	149	16	in	in	ADP
fsr-3584	149	17	model	model	NOUN
fsr-3584	149	18	1	1	NUM
fsr-3584	149	19	,	,	PUNCT
fsr-3584	149	20	except	except	SCONJ
fsr-3584	149	21	that	that	PRON
fsr-3584	149	22	black	black	ADJ
fsr-3584	149	23	respondents	respondent	NOUN
fsr-3584	149	24	were	be	AUX
fsr-3584	149	25	less	less	ADV
fsr-3584	149	26	likely	likely	ADJ
fsr-3584	149	27	to	to	PART
fsr-3584	149	28	give	give	VERB
fsr-3584	149	29	a	a	PRON
fsr-3584	149	30	never	never	ADV
fsr-3584	149	31	retire	retire	VERB
fsr-3584	149	32	response	response	NOUN
fsr-3584	149	33	than	than	ADP
fsr-3584	149	34	white	white	ADJ
fsr-3584	149	35	respondents	respondent	NOUN
fsr-3584	149	36	.	.	PUNCT
fsr-3584	150	1	in	in	ADP
fsr-3584	150	2	addition	addition	NOUN
fsr-3584	150	3	,	,	PUNCT
fsr-3584	150	4	those	those	PRON
fsr-3584	150	5	who	who	PRON
fsr-3584	150	6	were	be	AUX
fsr-3584	150	7	willing	willing	ADJ
fsr-3584	150	8	to	to	PART
fsr-3584	150	9	take	take	VERB
fsr-3584	150	10	above	above	ADJ
fsr-3584	150	11	-	-	PUNCT
fsr-3584	150	12	average	average	ADJ
fsr-3584	150	13	or	or	CCONJ
fsr-3584	150	14	average	average	ADJ
fsr-3584	150	15	risk	risk	NOUN
fsr-3584	150	16	were	be	AUX
fsr-3584	150	17	less	less	ADV
fsr-3584	150	18	likely	likely	ADJ
fsr-3584	150	19	to	to	PART
fsr-3584	150	20	give	give	VERB
fsr-3584	150	21	a	a	PRON
fsr-3584	150	22	never	never	ADV
fsr-3584	150	23	retire	retire	VERB
fsr-3584	150	24	response	response	NOUN
fsr-3584	150	25	than	than	ADP
fsr-3584	150	26	those	those	PRON
fsr-3584	150	27	unwilling	unwilling	ADJ
fsr-3584	150	28	to	to	PART
fsr-3584	150	29	take	take	VERB
fsr-3584	150	30	any	any	DET
fsr-3584	150	31	risk	risk	NOUN
fsr-3584	150	32	.	.	PUNCT
fsr-3584	151	1	financial	financial	ADJ
fsr-3584	151	2	services	service	NOUN
fsr-3584	151	3	review	review	PROPN
fsr-3584	151	4	,	,	PUNCT
fsr-3584	151	5	32(3	32(3	NUM
fsr-3584	151	6	)	)	PUNCT
fsr-3584	151	7	26	26	NUM
fsr-3584	151	8	table	table	NOUN
fsr-3584	151	9	2	2	NUM
fsr-3584	151	10	.	.	PUNCT
fsr-3584	151	11	logistic	logistic	ADJ
fsr-3584	151	12	regression	regression	NOUN
fsr-3584	151	13	analysis	analysis	NOUN
fsr-3584	151	14	of	of	ADP
fsr-3584	151	15	the	the	DET
fsr-3584	151	16	likelihood	likelihood	NOUN
fsr-3584	151	17	of	of	ADP
fsr-3584	151	18	full	full	ADJ
fsr-3584	151	19	-	-	PUNCT
fsr-3584	151	20	time	time	NOUN
fsr-3584	151	21	worker	worker	NOUN
fsr-3584	151	22	household	household	NOUN
fsr-3584	151	23	heads	head	NOUN
fsr-3584	151	24	aged	age	VERB
fsr-3584	151	25	35–60	35–60	NUM
fsr-3584	151	26	years	year	NOUN
fsr-3584	151	27	expecting	expect	VERB
fsr-3584	151	28	never	never	ADV
fsr-3584	151	29	to	to	PART
fsr-3584	151	30	retire	retire	VERB
fsr-3584	151	31	,	,	PUNCT
fsr-3584	151	32	model	model	NOUN
fsr-3584	151	33	1	1	NUM
fsr-3584	151	34	variable	variable	ADJ
fsr-3584	151	35	coefficient	coefficient	NOUN
fsr-3584	151	36	standard	standard	ADJ
fsr-3584	151	37	error	error	NOUN
fsr-3584	151	38	chisquare	chisquare	NOUN
fsr-3584	151	39	p	p	NOUN
fsr-3584	151	40	value	value	NOUN
fsr-3584	151	41	odd	odd	ADJ
fsr-3584	151	42	ratio	ratio	NOUN
fsr-3584	151	43	log	log	NOUN
fsr-3584	151	44	(	(	PUNCT
fsr-3584	151	45	net	net	ADJ
fsr-3584	151	46	worth	worth	NOUN
fsr-3584	151	47	)	)	PUNCT
fsr-3584	151	48	(	(	PUNCT
fsr-3584	151	49	ln	ln	X
fsr-3584	152	1	[	[	X
fsr-3584	152	2	.01	.01	X
fsr-3584	152	3	]	]	X
fsr-3584	152	4	if	if	SCONJ
fsr-3584	152	5	net	net	ADJ
fsr-3584	152	6	worth	worth	ADJ
fsr-3584	152	7	≤	≤	NOUN
fsr-3584	152	8	0	0	NUM
fsr-3584	152	9	)	)	PUNCT
fsr-3584	152	10	-0.0133	-0.0133	PUNCT
fsr-3584	152	11	0.0096	0.0096	NUM
fsr-3584	152	12	0.1690	0.1690	NUM
fsr-3584	152	13	0.9870	0.9870	NUM
fsr-3584	152	14	log	log	NOUN
fsr-3584	152	15	(	(	PUNCT
fsr-3584	152	16	income	income	NOUN
fsr-3584	152	17	)	)	PUNCT
fsr-3584	152	18	(	(	PUNCT
fsr-3584	152	19	ln	ln	NOUN
fsr-3584	153	1	[	[	X
fsr-3584	153	2	.01	.01	X
fsr-3584	153	3	]	]	X
fsr-3584	153	4	if	if	SCONJ
fsr-3584	153	5	income	income	NOUN
fsr-3584	153	6	≤	≤	NOUN
fsr-3584	153	7	0	0	NUM
fsr-3584	153	8	)	)	PUNCT
fsr-3584	153	9	-0.0282	-0.0282	VERB
fsr-3584	153	10	0.0238	0.0238	NUM
fsr-3584	153	11	0.2362	0.2362	NUM
fsr-3584	153	12	0.9722	0.9722	NUM
fsr-3584	153	13	racial	racial	ADJ
fsr-3584	153	14	ethnic	ethnic	ADJ
fsr-3584	153	15	status	status	NOUN
fsr-3584	153	16	of	of	ADP
fsr-3584	153	17	respondent	respondent	NOUN
fsr-3584	153	18	(	(	PUNCT
fsr-3584	153	19	reference	reference	NOUN
fsr-3584	153	20	category	category	NOUN
fsr-3584	153	21	=	=	SYM
fsr-3584	153	22	white	white	ADJ
fsr-3584	153	23	)	)	PUNCT
fsr-3584	153	24	black	black	ADJ
fsr-3584	153	25	-0.2183	-0.2183	NOUN
fsr-3584	154	1	0.1449	0.1449	NUM
fsr-3584	154	2	0.1319	0.1319	NUM
fsr-3584	154	3	0.8038	0.8038	NUM
fsr-3584	154	4	hispanic	hispanic	ADJ
fsr-3584	154	5	-0.3146	-0.3146	NOUN
fsr-3584	154	6	0.1448	0.1448	NUM
fsr-3584	154	7	0.0298	0.0298	NUM
fsr-3584	154	8	0.7300	0.7300	NUM
fsr-3584	154	9	asian	asian	ADJ
fsr-3584	154	10	/	/	SYM
fsr-3584	154	11	other	other	ADJ
fsr-3584	154	12	-0.1733	-0.1733	NOUN
fsr-3584	154	13	0.1913	0.1913	NUM
fsr-3584	154	14	0.3649	0.3649	NUM
fsr-3584	154	15	0.8410	0.8410	NUM
fsr-3584	154	16	have	have	VERB
fsr-3584	154	17	a	a	DET
fsr-3584	154	18	defined	define	VERB
fsr-3584	154	19	benefit	benefit	NOUN
fsr-3584	154	20	pension	pension	NOUN
fsr-3584	154	21	plan	plan	NOUN
fsr-3584	154	22	-0.8625	-0.8625	VERB
fsr-3584	154	23	0.2039	0.2039	NUM
fsr-3584	154	24	<	<	X
fsr-3584	154	25	.0001	.0001	X
fsr-3584	154	26	0.4224	0.4224	NUM
fsr-3584	154	27	perception	perception	NOUN
fsr-3584	154	28	of	of	ADP
fsr-3584	154	29	the	the	DET
fsr-3584	154	30	adequacy	adequacy	NOUN
fsr-3584	154	31	of	of	ADP
fsr-3584	154	32	retirement	retirement	NOUN
fsr-3584	154	33	income	income	NOUN
fsr-3584	154	34	(	(	PUNCT
fsr-3584	154	35	reference	reference	NOUN
fsr-3584	154	36	category	category	NOUN
fsr-3584	154	37	=	=	PUNCT
fsr-3584	154	38	enough	enough	ADJ
fsr-3584	154	39	to	to	PART
fsr-3584	154	40	maintain	maintain	VERB
fsr-3584	154	41	living	living	NOUN
fsr-3584	154	42	standards	standard	NOUN
fsr-3584	154	43	)	)	PUNCT
fsr-3584	154	44	very	very	ADV
fsr-3584	154	45	satisfactory	satisfactory	ADJ
fsr-3584	154	46	0.0219	0.0219	NUM
fsr-3584	154	47	0.1331	0.1331	NUM
fsr-3584	154	48	0.8691	0.8691	NUM
fsr-3584	154	49	1.0224	1.0224	NUM
fsr-3584	154	50	satisfactory	satisfactory	ADJ
fsr-3584	154	51	-0.6321	-0.6321	NOUN
fsr-3584	155	1	0.1586	0.1586	NUM
fsr-3584	155	2	0.0001	0.0001	NUM
fsr-3584	155	3	0.5318	0.5318	NUM
fsr-3584	155	4	inadequate	inadequate	ADJ
fsr-3584	155	5	-0.0039	-0.0039	NOUN
fsr-3584	155	6	0.1477	0.1477	NUM
fsr-3584	155	7	0.9787	0.9787	NUM
fsr-3584	155	8	0.9964	0.9964	NUM
fsr-3584	155	9	totally	totally	ADV
fsr-3584	155	10	inadequate	inadequate	ADJ
fsr-3584	155	11	0.6015	0.6015	NUM
fsr-3584	155	12	0.1233	0.1233	NUM
fsr-3584	155	13	<	<	X
fsr-3584	155	14	.0001	.0001	X
fsr-3584	155	15	1.8250	1.8250	NUM
fsr-3584	155	16	head	head	NOUN
fsr-3584	155	17	self	self	NOUN
fsr-3584	155	18	-	-	PUNCT
fsr-3584	155	19	employed	employ	VERB
fsr-3584	155	20	0.6370	0.6370	NUM
fsr-3584	155	21	0.1041	0.1041	NUM
fsr-3584	155	22	<	<	X
fsr-3584	155	23	.0001	.0001	X
fsr-3584	155	24	1.8910	1.8910	NUM
fsr-3584	155	25	years	year	NOUN
fsr-3584	155	26	of	of	ADP
fsr-3584	155	27	education	education	NOUN
fsr-3584	155	28	of	of	ADP
fsr-3584	155	29	the	the	DET
fsr-3584	155	30	head	head	NOUN
fsr-3584	155	31	-0.0691	-0.0691	VERB
fsr-3584	155	32	0.0184	0.0184	NUM
fsr-3584	155	33	0.0002	0.0002	NUM
fsr-3584	155	34	0.9332	0.9332	NUM
fsr-3584	155	35	perceived	perceive	VERB
fsr-3584	155	36	health	health	NOUN
fsr-3584	155	37	status	status	NOUN
fsr-3584	155	38	of	of	ADP
fsr-3584	155	39	the	the	DET
fsr-3584	155	40	head	head	NOUN
fsr-3584	155	41	(	(	PUNCT
fsr-3584	155	42	reference	reference	NOUN
fsr-3584	155	43	category	category	NOUN
fsr-3584	155	44	=	=	PUNCT
fsr-3584	155	45	good	good	ADJ
fsr-3584	155	46	health	health	NOUN
fsr-3584	155	47	)	)	PUNCT
fsr-3584	155	48	excellent	excellent	ADJ
fsr-3584	155	49	health	health	NOUN
fsr-3584	155	50	-0.0183	-0.0183	NOUN
fsr-3584	156	1	0.1073	0.1073	NUM
fsr-3584	156	2	0.8647	0.8647	NUM
fsr-3584	156	3	0.9818	0.9818	NUM
fsr-3584	156	4	fair	fair	ADJ
fsr-3584	156	5	health	health	NOUN
fsr-3584	156	6	0.0749	0.0749	NUM
fsr-3584	156	7	0.1217	0.1217	NUM
fsr-3584	156	8	0.5383	0.5383	NUM
fsr-3584	156	9	1.0780	1.0780	NUM
fsr-3584	156	10	poor	poor	ADJ
fsr-3584	156	11	health	health	NOUN
fsr-3584	156	12	-0.2725	-0.2725	NOUN
fsr-3584	156	13	0.3646	0.3646	NUM
fsr-3584	156	14	0.4549	0.4549	NUM
fsr-3584	156	15	0.7618	0.7618	NUM
fsr-3584	156	16	all	all	ADV
fsr-3584	156	17	in	in	ADP
fsr-3584	156	18	household	household	NOUN
fsr-3584	156	19	covered	cover	VERB
fsr-3584	156	20	by	by	ADP
fsr-3584	156	21	health	health	NOUN
fsr-3584	156	22	insurance	insurance	NOUN
fsr-3584	156	23	-0.3675	-0.3675	NOUN
fsr-3584	156	24	0.1233	0.1233	NUM
fsr-3584	156	25	0.0029	0.0029	NUM
fsr-3584	156	26	0.6926	0.6926	NUM
fsr-3584	156	27	age	age	NOUN
fsr-3584	156	28	of	of	ADP
fsr-3584	156	29	the	the	DET
fsr-3584	156	30	head	head	NOUN
fsr-3584	156	31	-0.0033	-0.0033	VERB
fsr-3584	156	32	0.0062	0.0062	NUM
fsr-3584	156	33	0.5950	0.5950	NUM
fsr-3584	156	34	0.9966	0.9966	NUM
fsr-3584	156	35	expect	expect	VERB
fsr-3584	156	36	a	a	DET
fsr-3584	156	37	substantial	substantial	ADJ
fsr-3584	156	38	inheritance	inheritance	NOUN
fsr-3584	156	39	or	or	CCONJ
fsr-3584	156	40	other	other	ADJ
fsr-3584	156	41	transfer	transfer	NOUN
fsr-3584	156	42	-0.3728	-0.3728	NOUN
fsr-3584	156	43	0.1282	0.1282	NUM
fsr-3584	156	44	0.0036	0.0036	NUM
fsr-3584	156	45	0.6888	0.6888	NUM
fsr-3584	156	46	expectations	expectation	NOUN
fsr-3584	156	47	for	for	ADP
fsr-3584	156	48	the	the	DET
fsr-3584	156	49	economy	economy	NOUN
fsr-3584	156	50	(	(	PUNCT
fsr-3584	156	51	reference	reference	NOUN
fsr-3584	156	52	category	category	NOUN
fsr-3584	156	53	=	=	SYM
fsr-3584	156	54	better	well	ADJ
fsr-3584	156	55	)	)	PUNCT
fsr-3584	156	56	worse	bad	ADJ
fsr-3584	156	57	0.1830	0.1830	NUM
fsr-3584	156	58	0.1351	0.1351	NUM
fsr-3584	156	59	0.1757	0.1757	NUM
fsr-3584	156	60	1.2010	1.2010	NUM
fsr-3584	156	61	same	same	ADJ
fsr-3584	156	62	-0.1740	-0.1740	NOUN
fsr-3584	157	1	0.1206	0.1206	NUM
fsr-3584	157	2	0.1493	0.1493	NUM
fsr-3584	157	3	0.8406	0.8406	NUM
fsr-3584	157	4	life	life	NOUN
fsr-3584	157	5	expectancy	expectancy	NOUN
fsr-3584	157	6	for	for	ADP
fsr-3584	157	7	the	the	DET
fsr-3584	157	8	head	head	NOUN
fsr-3584	157	9	(	(	PUNCT
fsr-3584	157	10	reference	reference	NOUN
fsr-3584	157	11	category	category	NOUN
fsr-3584	157	12	=	=	PUNCT
fsr-3584	157	13	younger	young	ADJ
fsr-3584	157	14	than	than	ADP
fsr-3584	157	15	71	71	NUM
fsr-3584	157	16	years	year	NOUN
fsr-3584	157	17	)	)	PUNCT
fsr-3584	157	18	live	live	VERB
fsr-3584	157	19	to	to	ADP
fsr-3584	157	20	71	71	NUM
fsr-3584	157	21	-	-	SYM
fsr-3584	157	22	80	80	NUM
fsr-3584	157	23	years	year	NOUN
fsr-3584	157	24	-0.6152	-0.6152	X
fsr-3584	157	25	0.1455	0.1455	NUM
fsr-3584	157	26	<	<	X
fsr-3584	157	27	.0001	.0001	X
fsr-3584	157	28	0.5410	0.5410	NUM
fsr-3584	157	29	live	live	ADV
fsr-3584	157	30	to	to	ADP
fsr-3584	157	31	81	81	NUM
fsr-3584	157	32	years	year	NOUN
fsr-3584	157	33	or	or	CCONJ
fsr-3584	157	34	older	old	ADJ
fsr-3584	157	35	-0.4778	-0.4778	NOUN
fsr-3584	157	36	0.1409	0.1409	NUM
fsr-3584	157	37	0.0007	0.0007	NUM
fsr-3584	157	38	0.6208	0.6208	NUM
fsr-3584	157	39	household	household	NOUN
fsr-3584	157	40	type	type	NOUN
fsr-3584	157	41	(	(	PUNCT
fsr-3584	157	42	reference	reference	NOUN
fsr-3584	157	43	category	category	NOUN
fsr-3584	157	44	=	=	SYM
fsr-3584	157	45	married	married	ADJ
fsr-3584	157	46	)	)	PUNCT
fsr-3584	157	47	partnered	partner	VERB
fsr-3584	157	48	couple	couple	NOUN
fsr-3584	157	49	0.4551	0.4551	NUM
fsr-3584	157	50	0.1460	0.1460	NUM
fsr-3584	157	51	0.0018	0.0018	NUM
fsr-3584	157	52	1.5764	1.5764	NUM
fsr-3584	157	53	single	single	ADJ
fsr-3584	157	54	male	male	NOUN
fsr-3584	157	55	0.4068	0.4068	NUM
fsr-3584	157	56	0.1253	0.1253	NUM
fsr-3584	157	57	0.0012	0.0012	NUM
fsr-3584	157	58	1.5020	1.5020	NUM
fsr-3584	157	59	single	single	ADJ
fsr-3584	157	60	female	female	ADJ
fsr-3584	157	61	0.0067	0.0067	NUM
fsr-3584	157	62	0.1385	0.1385	NUM
fsr-3584	157	63	0.9615	0.9615	NUM
fsr-3584	157	64	1.0066	1.0066	NUM
fsr-3584	157	65	spending	spending	NOUN
fsr-3584	157	66	relative	relative	ADJ
fsr-3584	157	67	to	to	ADP
fsr-3584	157	68	income	income	NOUN
fsr-3584	157	69	(	(	PUNCT
fsr-3584	157	70	reference	reference	NOUN
fsr-3584	157	71	category	category	NOUN
fsr-3584	157	72	=	=	PUNCT
fsr-3584	157	73	same	same	ADJ
fsr-3584	157	74	as	as	ADP
fsr-3584	157	75	income	income	NOUN
fsr-3584	157	76	)	)	PUNCT
fsr-3584	157	77	more	more	ADJ
fsr-3584	157	78	than	than	ADP
fsr-3584	157	79	income	income	NOUN
fsr-3584	157	80	-0.0252	-0.0252	NOUN
fsr-3584	157	81	0.1348	0.1348	NUM
fsr-3584	157	82	0.8515	0.8515	NUM
fsr-3584	157	83	0.9752	0.9752	NUM
fsr-3584	157	84	less	less	ADJ
fsr-3584	157	85	than	than	ADP
fsr-3584	157	86	income	income	NOUN
fsr-3584	157	87	-0.1449	-0.1449	NOUN
fsr-3584	157	88	0.1061	0.1061	NUM
fsr-3584	157	89	0.1719	0.1719	NUM
fsr-3584	157	90	0.8652	0.8652	NUM
fsr-3584	157	91	job	job	NOUN
fsr-3584	157	92	title	title	NOUN
fsr-3584	157	93	of	of	ADP
fsr-3584	157	94	the	the	DET
fsr-3584	157	95	head	head	NOUN
fsr-3584	157	96	(	(	PUNCT
fsr-3584	157	97	reference	reference	NOUN
fsr-3584	157	98	category	category	NOUN
fsr-3584	157	99	=	=	SYM
fsr-3584	157	100	transportation	transportation	NOUN
fsr-3584	157	101	)	)	PUNCT
fsr-3584	157	102	executive	executive	NOUN
fsr-3584	157	103	,	,	PUNCT
fsr-3584	157	104	admin	admin	ADJ
fsr-3584	157	105	,	,	PUNCT
fsr-3584	157	106	manager	manager	NOUN
fsr-3584	157	107	,	,	PUNCT
fsr-3584	157	108	teachers	teachers	PROPN
fsr-3584	157	109	-0.1021	-0.1021	VERB
fsr-3584	157	110	0.1628	0.1628	NUM
fsr-3584	157	111	0.5306	0.5306	NUM
fsr-3584	157	112	0.9028	0.9028	NUM
fsr-3584	157	113	engineer	engineer	NOUN
fsr-3584	157	114	,	,	PUNCT
fsr-3584	157	115	technician	technician	ADJ
fsr-3584	157	116	,	,	PUNCT
fsr-3584	157	117	office	office	NOUN
fsr-3584	157	118	-0.1794	-0.1794	NOUN
fsr-3584	157	119	0.1779	0.1779	NUM
fsr-3584	157	120	0.3134	0.3134	NUM
fsr-3584	157	121	0.8358	0.8358	NUM
fsr-3584	157	122	protective	protective	ADJ
fsr-3584	157	123	and	and	CCONJ
fsr-3584	157	124	miscellaneous	miscellaneous	ADJ
fsr-3584	157	125	service	service	NOUN
fsr-3584	157	126	-0.0338	-0.0338	VERB
fsr-3584	157	127	0.1932	0.1932	NUM
fsr-3584	157	128	0.8612	0.8612	NUM
fsr-3584	157	129	0.9670	0.9670	NUM
fsr-3584	157	130	construction	construction	NOUN
fsr-3584	157	131	,	,	PUNCT
fsr-3584	157	132	production	production	NOUN
fsr-3584	157	133	,	,	PUNCT
fsr-3584	157	134	repair	repair	NOUN
fsr-3584	157	135	-0.1129	-0.1129	VERB
fsr-3584	157	136	0.1752	0.1752	NUM
fsr-3584	157	137	0.5195	0.5195	NUM
fsr-3584	157	138	0.8934	0.8934	NUM
fsr-3584	157	139	farming	farming	NOUN
fsr-3584	157	140	,	,	PUNCT
fsr-3584	157	141	fishing	fishing	NOUN
fsr-3584	157	142	,	,	PUNCT
fsr-3584	157	143	forestry	forestry	NOUN
fsr-3584	157	144	0.2131	0.2131	NUM
fsr-3584	157	145	0.2984	0.2984	NUM
fsr-3584	157	146	0.4752	0.4752	NUM
fsr-3584	157	147	1.2380	1.2380	NUM
fsr-3584	157	148	year	year	NOUN
fsr-3584	157	149	=	=	SYM
fsr-3584	157	150	2019	2019	NUM
fsr-3584	157	151	0.0573	0.0573	NUM
fsr-3584	157	152	0.0876	0.0876	NUM
fsr-3584	157	153	0.5133	0.5133	NUM
fsr-3584	157	154	1.0590	1.0590	NUM
fsr-3584	157	155	intercept	intercept	NOUN
fsr-3584	157	156	0.6934	0.6934	NUM
fsr-3584	157	157	0.4858	0.4858	NUM
fsr-3584	157	158	0.1535	0.1535	NUM
fsr-3584	157	159	concordance	concordance	NOUN
fsr-3584	157	160	(	(	PUNCT
fsr-3584	157	161	averaged	average	VERB
fsr-3584	157	162	for	for	ADP
fsr-3584	157	163	5	5	NUM
fsr-3584	157	164	implicates	implicate	NOUN
fsr-3584	157	165	)	)	PUNCT
fsr-3584	157	166	71.36	71.36	NUM
fsr-3584	157	167	%	%	NOUN
fsr-3584	157	168	notes	note	NOUN
fsr-3584	157	169	.	.	PUNCT
fsr-3584	158	1	n	n	NOUN
fsr-3584	158	2	=	=	SYM
fsr-3584	158	3	4,607	4,607	NUM
fsr-3584	158	4	households	household	NOUN
fsr-3584	158	5	.	.	PUNCT
fsr-3584	159	1	unweighted	unweighte	VERB
fsr-3584	159	2	repeated	repeat	VERB
fsr-3584	159	3	-	-	PUNCT
fsr-3584	159	4	imputation	imputation	NOUN
fsr-3584	159	5	inference	inference	NOUN
fsr-3584	159	6	(	(	PUNCT
fsr-3584	159	7	rii	rii	NOUN
fsr-3584	159	8	)	)	PUNCT
fsr-3584	159	9	analysis	analysis	NOUN
fsr-3584	159	10	of	of	ADP
fsr-3584	159	11	combination	combination	NOUN
fsr-3584	159	12	of	of	ADP
fsr-3584	159	13	2016	2016	NUM
fsr-3584	159	14	and	and	CCONJ
fsr-3584	159	15	2019	2019	NUM
fsr-3584	159	16	survey	survey	NOUN
fsr-3584	159	17	of	of	ADP
fsr-3584	159	18	consumer	consumer	NOUN
fsr-3584	159	19	finances	finance	NOUN
fsr-3584	159	20	dataset	dataset	NOUN
fsr-3584	159	21	(	(	PUNCT
fsr-3584	159	22	scf	scf	PROPN
fsr-3584	159	23	)	)	PUNCT
fsr-3584	159	24	.	.	PUNCT
fsr-3584	160	1	zhang	zhang	PROPN
fsr-3584	160	2	et	et	PROPN
fsr-3584	160	3	al	al	PROPN
fsr-3584	160	4	.	.	PROPN
fsr-3584	160	5	27	27	NUM
fsr-3584	160	6	table	table	NOUN
fsr-3584	160	7	3	3	NUM
fsr-3584	160	8	.	.	PUNCT
fsr-3584	160	9	logistic	logistic	ADJ
fsr-3584	160	10	regression	regression	NOUN
fsr-3584	160	11	analysis	analysis	NOUN
fsr-3584	160	12	of	of	ADP
fsr-3584	160	13	the	the	DET
fsr-3584	160	14	likelihood	likelihood	NOUN
fsr-3584	160	15	of	of	ADP
fsr-3584	160	16	full	full	ADJ
fsr-3584	160	17	-	-	PUNCT
fsr-3584	160	18	time	time	NOUN
fsr-3584	160	19	worker	worker	NOUN
fsr-3584	160	20	household	household	NOUN
fsr-3584	160	21	heads	head	NOUN
fsr-3584	160	22	aged	age	VERB
fsr-3584	160	23	35–60	35–60	NUM
fsr-3584	160	24	years	year	NOUN
fsr-3584	160	25	expecting	expect	VERB
fsr-3584	160	26	never	never	ADV
fsr-3584	160	27	to	to	PART
fsr-3584	160	28	retire	retire	VERB
fsr-3584	160	29	,	,	PUNCT
fsr-3584	160	30	model	model	NOUN
fsr-3584	160	31	2	2	NUM
fsr-3584	160	32	,	,	PUNCT
fsr-3584	160	33	with	with	ADP
fsr-3584	160	34	financial	financial	ADJ
fsr-3584	160	35	knowledge	knowledge	NOUN
fsr-3584	160	36	variables	variable	VERB
fsr-3584	160	37	variable	variable	ADJ
fsr-3584	160	38	coefficient	coefficient	NOUN
fsr-3584	160	39	standard	standard	ADJ
fsr-3584	160	40	error	error	NOUN
fsr-3584	160	41	chisquare	chisquare	NOUN
fsr-3584	160	42	p	p	NOUN
fsr-3584	160	43	value	value	NOUN
fsr-3584	160	44	odd	odd	ADJ
fsr-3584	160	45	ratio	ratio	NOUN
fsr-3584	160	46	objective	objective	ADJ
fsr-3584	160	47	financial	financial	ADJ
fsr-3584	160	48	knowledge	knowledge	NOUN
fsr-3584	160	49	(	(	PUNCT
fsr-3584	160	50	0	0	NUM
fsr-3584	160	51	to	to	PART
fsr-3584	160	52	3	3	NUM
fsr-3584	160	53	)	)	PUNCT
fsr-3584	160	54	(	(	PUNCT
fsr-3584	160	55	reference	reference	NOUN
fsr-3584	160	56	category	category	NOUN
fsr-3584	160	57	=	=	SYM
fsr-3584	160	58	high	high	ADJ
fsr-3584	160	59	knowledge	knowledge	NOUN
fsr-3584	160	60	(	(	PUNCT
fsr-3584	160	61	3	3	NUM
fsr-3584	160	62	right	right	NOUN
fsr-3584	160	63	)	)	PUNCT
fsr-3584	160	64	)	)	PUNCT
fsr-3584	161	1	no	no	DET
fsr-3584	161	2	knowledge	knowledge	NOUN
fsr-3584	161	3	(	(	PUNCT
fsr-3584	161	4	0	0	NUM
fsr-3584	161	5	right	right	NOUN
fsr-3584	161	6	)	)	PUNCT
fsr-3584	161	7	0.0807	0.0807	NUM
fsr-3584	161	8	0.2506	0.2506	NUM
fsr-3584	161	9	0.7475	0.7475	NUM
fsr-3584	161	10	1.0840	1.0840	NUM
fsr-3584	161	11	poor	poor	ADJ
fsr-3584	161	12	knowledge	knowledge	NOUN
fsr-3584	161	13	(	(	PUNCT
fsr-3584	161	14	1	1	NUM
fsr-3584	161	15	right	right	NOUN
fsr-3584	161	16	)	)	PUNCT
fsr-3584	161	17	0.1183	0.1183	NUM
fsr-3584	161	18	0.1450	0.1450	NUM
fsr-3584	161	19	0.4145	0.4145	NUM
fsr-3584	161	20	1.1256	1.1256	NUM
fsr-3584	161	21	fair	fair	ADJ
fsr-3584	161	22	knowledge	knowledge	NOUN
fsr-3584	161	23	(	(	PUNCT
fsr-3584	161	24	2	2	NUM
fsr-3584	161	25	right	right	NOUN
fsr-3584	161	26	)	)	PUNCT
fsr-3584	161	27	0.2167	0.2167	NUM
fsr-3584	161	28	0.1067	0.1067	NUM
fsr-3584	161	29	0.0423	0.0423	NUM
fsr-3584	161	30	1.2422	1.2422	NUM
fsr-3584	161	31	subjective	subjective	ADJ
fsr-3584	161	32	financial	financial	ADJ
fsr-3584	161	33	knowledge	knowledge	NOUN
fsr-3584	161	34	0.0088	0.0088	NUM
fsr-3584	161	35	0.0228	0.0228	NUM
fsr-3584	161	36	0.7000	0.7000	NUM
fsr-3584	161	37	1.0088	1.0088	NUM
fsr-3584	161	38	log	log	NOUN
fsr-3584	161	39	(	(	PUNCT
fsr-3584	161	40	net	net	ADJ
fsr-3584	161	41	worth	worth	NOUN
fsr-3584	161	42	)	)	PUNCT
fsr-3584	161	43	(	(	PUNCT
fsr-3584	161	44	ln	ln	X
fsr-3584	162	1	[	[	X
fsr-3584	162	2	.01	.01	X
fsr-3584	162	3	]	]	X
fsr-3584	162	4	if	if	SCONJ
fsr-3584	162	5	net	net	ADJ
fsr-3584	162	6	worth	worth	ADJ
fsr-3584	162	7	≤	≤	NOUN
fsr-3584	162	8	0	0	NUM
fsr-3584	162	9	)	)	PUNCT
fsr-3584	162	10	-0.0065	-0.0065	NOUN
fsr-3584	163	1	0.0098	0.0098	NUM
fsr-3584	163	2	0.5054	0.5054	NUM
fsr-3584	163	3	0.9936	0.9936	NUM
fsr-3584	163	4	log	log	NOUN
fsr-3584	163	5	(	(	PUNCT
fsr-3584	163	6	income	income	NOUN
fsr-3584	163	7	)	)	PUNCT
fsr-3584	163	8	(	(	PUNCT
fsr-3584	163	9	ln	ln	NOUN
fsr-3584	163	10	[	[	X
fsr-3584	163	11	.01	.01	X
fsr-3584	163	12	]	]	X
fsr-3584	163	13	if	if	SCONJ
fsr-3584	163	14	income	income	NOUN
fsr-3584	163	15	≤	≤	NOUN
fsr-3584	163	16	0	0	NUM
fsr-3584	163	17	)	)	PUNCT
fsr-3584	163	18	-0.0181	-0.0181	VERB
fsr-3584	163	19	0.0241	0.0241	NUM
fsr-3584	163	20	0.4538	0.4538	NUM
fsr-3584	163	21	0.9822	0.9822	NUM
fsr-3584	163	22	racial	racial	ADJ
fsr-3584	163	23	ethnic	ethnic	ADJ
fsr-3584	163	24	status	status	NOUN
fsr-3584	163	25	of	of	ADP
fsr-3584	163	26	respondent	respondent	NOUN
fsr-3584	163	27	(	(	PUNCT
fsr-3584	163	28	reference	reference	NOUN
fsr-3584	163	29	category	category	NOUN
fsr-3584	163	30	=	=	SYM
fsr-3584	163	31	white	white	ADJ
fsr-3584	163	32	)	)	PUNCT
fsr-3584	163	33	black	black	ADJ
fsr-3584	163	34	-0.2898	-0.2898	NOUN
fsr-3584	163	35	0.1468	0.1468	NUM
fsr-3584	163	36	0.0484	0.0484	NUM
fsr-3584	163	37	0.7484	0.7484	NUM
fsr-3584	163	38	hispanic	hispanic	ADJ
fsr-3584	163	39	-0.4346	-0.4346	NOUN
fsr-3584	163	40	0.1476	0.1476	NUM
fsr-3584	163	41	0.0032	0.0032	NUM
fsr-3584	163	42	0.6474	0.6474	NUM
fsr-3584	163	43	asian	asian	ADJ
fsr-3584	163	44	/	/	SYM
fsr-3584	163	45	other	other	ADJ
fsr-3584	163	46	-0.2366	-0.2366	NOUN
fsr-3584	163	47	0.1942	0.1942	NUM
fsr-3584	163	48	0.2231	0.2231	NUM
fsr-3584	163	49	0.7892	0.7892	NUM
fsr-3584	163	50	have	have	VERB
fsr-3584	163	51	a	a	DET
fsr-3584	163	52	defined	define	VERB
fsr-3584	163	53	benefit	benefit	NOUN
fsr-3584	163	54	pension	pension	NOUN
fsr-3584	163	55	plan	plan	NOUN
fsr-3584	163	56	-0.8390	-0.8390	PUNCT
fsr-3584	164	1	0.2025	0.2025	NUM
fsr-3584	164	2	<	<	X
fsr-3584	164	3	.0001	.0001	X
fsr-3584	164	4	0.4326	0.4326	NUM
fsr-3584	164	5	perception	perception	NOUN
fsr-3584	164	6	of	of	ADP
fsr-3584	164	7	the	the	DET
fsr-3584	164	8	adequacy	adequacy	NOUN
fsr-3584	164	9	of	of	ADP
fsr-3584	164	10	retirement	retirement	NOUN
fsr-3584	164	11	income	income	NOUN
fsr-3584	164	12	(	(	PUNCT
fsr-3584	164	13	reference	reference	NOUN
fsr-3584	164	14	category	category	NOUN
fsr-3584	164	15	=	=	PUNCT
fsr-3584	164	16	enough	enough	ADJ
fsr-3584	164	17	to	to	PART
fsr-3584	164	18	maintain	maintain	VERB
fsr-3584	164	19	living	living	NOUN
fsr-3584	164	20	standards	standard	NOUN
fsr-3584	164	21	)	)	PUNCT
fsr-3584	164	22	very	very	ADV
fsr-3584	164	23	satisfactory	satisfactory	ADJ
fsr-3584	164	24	-0.0205	-0.0205	NOUN
fsr-3584	164	25	0.1359	0.1359	NUM
fsr-3584	164	26	0.8802	0.8802	NUM
fsr-3584	164	27	0.9798	0.9798	NUM
fsr-3584	164	28	satisfactory	satisfactory	ADJ
fsr-3584	164	29	-0.5788	-0.5788	NOUN
fsr-3584	164	30	0.1596	0.1596	NUM
fsr-3584	164	31	0.0003	0.0003	NUM
fsr-3584	164	32	0.5608	0.5608	NUM
fsr-3584	164	33	inadequate	inadequate	ADJ
fsr-3584	164	34	-0.0303	-0.0303	NOUN
fsr-3584	164	35	0.1492	0.1492	NUM
fsr-3584	164	36	0.8390	0.8390	NUM
fsr-3584	164	37	0.9702	0.9702	NUM
fsr-3584	164	38	totally	totally	ADV
fsr-3584	164	39	inadequate	inadequate	ADJ
fsr-3584	164	40	0.4970	0.4970	NUM
fsr-3584	164	41	0.1255	0.1255	NUM
fsr-3584	164	42	0.0001	0.0001	NUM
fsr-3584	164	43	1.6438	1.6438	NUM
fsr-3584	164	44	head	head	NOUN
fsr-3584	164	45	self	self	NOUN
fsr-3584	164	46	-	-	PUNCT
fsr-3584	164	47	employed	employ	VERB
fsr-3584	164	48	0.6438	0.6438	NUM
fsr-3584	164	49	0.1068	0.1068	NUM
fsr-3584	165	1	<	<	X
fsr-3584	165	2	.0001	.0001	X
fsr-3584	165	3	1.9036	1.9036	NUM
fsr-3584	165	4	years	year	NOUN
fsr-3584	165	5	of	of	ADP
fsr-3584	165	6	education	education	NOUN
fsr-3584	165	7	of	of	ADP
fsr-3584	165	8	the	the	DET
fsr-3584	165	9	head	head	NOUN
fsr-3584	165	10	-0.0514	-0.0514	VERB
fsr-3584	165	11	0.0190	0.0190	NUM
fsr-3584	165	12	0.0069	0.0069	NUM
fsr-3584	165	13	0.9500	0.9500	NUM
fsr-3584	165	14	perceived	perceive	VERB
fsr-3584	165	15	health	health	NOUN
fsr-3584	165	16	status	status	NOUN
fsr-3584	165	17	of	of	ADP
fsr-3584	165	18	the	the	DET
fsr-3584	165	19	head	head	NOUN
fsr-3584	165	20	(	(	PUNCT
fsr-3584	165	21	reference	reference	NOUN
fsr-3584	165	22	category	category	NOUN
fsr-3584	165	23	=	=	PUNCT
fsr-3584	165	24	good	good	ADJ
fsr-3584	165	25	health	health	NOUN
fsr-3584	165	26	)	)	PUNCT
fsr-3584	165	27	excellent	excellent	ADJ
fsr-3584	165	28	health	health	NOUN
fsr-3584	165	29	-0.0157	-0.0157	NOUN
fsr-3584	166	1	0.1086	0.1086	NUM
fsr-3584	167	1	0.8848	0.8848	NUM
fsr-3584	167	2	0.9844	0.9844	NUM
fsr-3584	167	3	fair	fair	ADJ
fsr-3584	167	4	health	health	NOUN
fsr-3584	167	5	0.0489	0.0489	NUM
fsr-3584	167	6	0.1227	0.1227	NUM
fsr-3584	167	7	0.6901	0.6901	NUM
fsr-3584	167	8	1.0502	1.0502	NUM
fsr-3584	167	9	poor	poor	ADJ
fsr-3584	167	10	health	health	NOUN
fsr-3584	167	11	-0.2129	-0.2129	NOUN
fsr-3584	167	12	0.3678	0.3678	NUM
fsr-3584	167	13	0.5627	0.5627	NUM
fsr-3584	167	14	0.8088	0.8088	NUM
fsr-3584	167	15	all	all	ADV
fsr-3584	167	16	in	in	ADP
fsr-3584	167	17	household	household	NOUN
fsr-3584	167	18	covered	cover	VERB
fsr-3584	167	19	by	by	ADP
fsr-3584	167	20	health	health	NOUN
fsr-3584	167	21	insurance	insurance	NOUN
fsr-3584	167	22	-0.3024	-0.3024	NOUN
fsr-3584	167	23	0.1248	0.1248	NUM
fsr-3584	167	24	0.0154	0.0154	NUM
fsr-3584	167	25	0.7392	0.7392	NUM
fsr-3584	167	26	age	age	NOUN
fsr-3584	167	27	of	of	ADP
fsr-3584	167	28	the	the	DET
fsr-3584	167	29	head	head	NOUN
fsr-3584	167	30	0.0004	0.0004	NUM
fsr-3584	167	31	0.0064	0.0064	NUM
fsr-3584	167	32	0.9535	0.9535	NUM
fsr-3584	167	33	1.0006	1.0006	NUM
fsr-3584	167	34	expect	expect	VERB
fsr-3584	167	35	a	a	DET
fsr-3584	167	36	substantial	substantial	ADJ
fsr-3584	167	37	inheritance	inheritance	NOUN
fsr-3584	167	38	or	or	CCONJ
fsr-3584	167	39	other	other	ADJ
fsr-3584	167	40	transfer	transfer	NOUN
fsr-3584	167	41	-0.3221	-0.3221	NOUN
fsr-3584	167	42	0.1299	0.1299	NUM
fsr-3584	167	43	0.0132	0.0132	NUM
fsr-3584	167	44	0.7248	0.7248	NUM
fsr-3584	167	45	expectations	expectation	NOUN
fsr-3584	167	46	for	for	ADP
fsr-3584	167	47	the	the	DET
fsr-3584	167	48	economy	economy	NOUN
fsr-3584	167	49	(	(	PUNCT
fsr-3584	167	50	reference	reference	NOUN
fsr-3584	167	51	category	category	NOUN
fsr-3584	167	52	=	=	SYM
fsr-3584	167	53	better	well	ADJ
fsr-3584	167	54	)	)	PUNCT
fsr-3584	167	55	worse	bad	ADJ
fsr-3584	167	56	0.1436	0.1436	NUM
fsr-3584	167	57	0.1366	0.1366	NUM
fsr-3584	167	58	0.2934	0.2934	NUM
fsr-3584	167	59	1.1546	1.1546	NUM
fsr-3584	167	60	same	same	ADJ
fsr-3584	167	61	-0.1666	-0.1666	NOUN
fsr-3584	167	62	0.1216	0.1216	NUM
fsr-3584	167	63	0.1708	0.1708	NUM
fsr-3584	167	64	0.8464	0.8464	NUM
fsr-3584	167	65	life	life	NOUN
fsr-3584	167	66	expectancy	expectancy	NOUN
fsr-3584	167	67	for	for	ADP
fsr-3584	167	68	the	the	DET
fsr-3584	167	69	head	head	NOUN
fsr-3584	167	70	(	(	PUNCT
fsr-3584	167	71	reference	reference	NOUN
fsr-3584	167	72	category	category	NOUN
fsr-3584	167	73	=	=	PUNCT
fsr-3584	167	74	younger	young	ADJ
fsr-3584	167	75	than	than	ADP
fsr-3584	167	76	71	71	NUM
fsr-3584	167	77	years	year	NOUN
fsr-3584	167	78	)	)	PUNCT
fsr-3584	167	79	live	live	VERB
fsr-3584	167	80	to	to	ADP
fsr-3584	167	81	71	71	NUM
fsr-3584	167	82	-	-	SYM
fsr-3584	167	83	80	80	NUM
fsr-3584	167	84	years	year	NOUN
fsr-3584	167	85	-0.6357	-0.6357	VERB
fsr-3584	168	1	0.1473	0.1473	NUM
fsr-3584	168	2	<	<	X
fsr-3584	168	3	.0001	.0001	X
fsr-3584	168	4	0.5300	0.5300	NUM
fsr-3584	168	5	live	live	ADV
fsr-3584	168	6	to	to	ADP
fsr-3584	168	7	81	81	NUM
fsr-3584	168	8	years	year	NOUN
fsr-3584	168	9	or	or	CCONJ
fsr-3584	168	10	older	old	ADJ
fsr-3584	168	11	-0.4959	-0.4959	NOUN
fsr-3584	168	12	0.1425	0.1425	NUM
fsr-3584	168	13	0.0005	0.0005	NUM
fsr-3584	168	14	0.6096	0.6096	NUM
fsr-3584	168	15	household	household	NOUN
fsr-3584	168	16	type	type	NOUN
fsr-3584	168	17	(	(	PUNCT
fsr-3584	168	18	reference	reference	NOUN
fsr-3584	168	19	category	category	NOUN
fsr-3584	168	20	=	=	SYM
fsr-3584	168	21	married	married	ADJ
fsr-3584	168	22	)	)	PUNCT
fsr-3584	168	23	partnered	partner	VERB
fsr-3584	168	24	couple	couple	NOUN
fsr-3584	168	25	0.4323	0.4323	NUM
fsr-3584	168	26	0.1481	0.1481	NUM
fsr-3584	168	27	0.0035	0.0035	NUM
fsr-3584	168	28	1.5408	1.5408	NUM
fsr-3584	168	29	single	single	ADJ
fsr-3584	168	30	male	male	NOUN
fsr-3584	168	31	0.4334	0.4334	NUM
fsr-3584	168	32	0.1279	0.1279	NUM
fsr-3584	168	33	0.0007	0.0007	NUM
fsr-3584	168	34	1.5424	1.5424	NUM
fsr-3584	168	35	single	single	ADJ
fsr-3584	168	36	female	female	ADJ
fsr-3584	168	37	-0.0901	-0.0901	NOUN
fsr-3584	168	38	0.1416	0.1416	NUM
fsr-3584	168	39	0.5247	0.5247	NUM
fsr-3584	168	40	0.9138	0.9138	NUM
fsr-3584	168	41	spending	spending	NOUN
fsr-3584	168	42	relative	relative	ADJ
fsr-3584	168	43	to	to	ADP
fsr-3584	168	44	income	income	NOUN
fsr-3584	168	45	(	(	PUNCT
fsr-3584	168	46	reference	reference	NOUN
fsr-3584	168	47	category	category	NOUN
fsr-3584	168	48	=	=	PUNCT
fsr-3584	168	49	same	same	ADJ
fsr-3584	168	50	as	as	ADP
fsr-3584	168	51	income	income	NOUN
fsr-3584	168	52	)	)	PUNCT
fsr-3584	168	53	more	more	ADJ
fsr-3584	168	54	than	than	SCONJ
fsr-3584	168	55	income	income	VERB
fsr-3584	168	56	0.0225	0.0225	NUM
fsr-3584	168	57	0.1363	0.1363	NUM
fsr-3584	168	58	0.8690	0.8690	NUM
fsr-3584	168	59	1.0226	1.0226	NUM
fsr-3584	168	60	less	less	ADJ
fsr-3584	168	61	than	than	SCONJ
fsr-3584	168	62	income	income	NOUN
fsr-3584	168	63	-0.0977	-0.0977	NOUN
fsr-3584	168	64	0.1078	0.1078	NUM
fsr-3584	168	65	0.3647	0.3647	NUM
fsr-3584	168	66	0.9070	0.9070	NUM
fsr-3584	168	67	job	job	NOUN
fsr-3584	168	68	title	title	NOUN
fsr-3584	168	69	of	of	ADP
fsr-3584	168	70	the	the	DET
fsr-3584	168	71	head	head	NOUN
fsr-3584	168	72	(	(	PUNCT
fsr-3584	168	73	reference	reference	NOUN
fsr-3584	168	74	category	category	NOUN
fsr-3584	168	75	=	=	SYM
fsr-3584	168	76	transportation	transportation	NOUN
fsr-3584	168	77	)	)	PUNCT
fsr-3584	168	78	executive	executive	NOUN
fsr-3584	168	79	,	,	PUNCT
fsr-3584	168	80	admin	admin	ADJ
fsr-3584	168	81	,	,	PUNCT
fsr-3584	168	82	manager	manager	NOUN
fsr-3584	168	83	,	,	PUNCT
fsr-3584	168	84	teachers	teacher	NOUN
fsr-3584	168	85	0.0130	0.0130	NUM
fsr-3584	168	86	0.1663	0.1663	NUM
fsr-3584	168	87	0.9376	0.9376	NUM
fsr-3584	168	88	1.0132	1.0132	NUM
fsr-3584	168	89	engineer	engineer	NOUN
fsr-3584	168	90	,	,	PUNCT
fsr-3584	168	91	technician	technician	ADJ
fsr-3584	168	92	,	,	PUNCT
fsr-3584	168	93	office	office	NOUN
fsr-3584	168	94	-0.1105	-0.1105	NOUN
fsr-3584	168	95	0.1810	0.1810	NUM
fsr-3584	168	96	0.5414	0.5414	NUM
fsr-3584	168	97	0.8954	0.8954	NUM
fsr-3584	168	98	protective	protective	ADJ
fsr-3584	168	99	and	and	CCONJ
fsr-3584	168	100	miscellaneous	miscellaneous	ADJ
fsr-3584	168	101	service	service	NOUN
fsr-3584	168	102	-0.0087	-0.0087	NOUN
fsr-3584	168	103	0.1958	0.1958	NUM
fsr-3584	168	104	0.9647	0.9647	NUM
fsr-3584	168	105	0.9916	0.9916	NUM
fsr-3584	168	106	construction	construction	NOUN
fsr-3584	168	107	,	,	PUNCT
fsr-3584	168	108	production	production	NOUN
fsr-3584	168	109	,	,	PUNCT
fsr-3584	168	110	repair	repair	NOUN
fsr-3584	168	111	-0.0941	-0.0941	NOUN
fsr-3584	168	112	0.1776	0.1776	NUM
fsr-3584	168	113	0.5960	0.5960	NUM
fsr-3584	168	114	0.9100	0.9100	NUM
fsr-3584	168	115	farming	farming	NOUN
fsr-3584	168	116	,	,	PUNCT
fsr-3584	168	117	fishing	fishing	NOUN
fsr-3584	168	118	,	,	PUNCT
fsr-3584	168	119	forestry	forestry	NOUN
fsr-3584	168	120	0.3370	0.3370	NUM
fsr-3584	169	1	0.3034	0.3034	NUM
fsr-3584	169	2	0.2666	0.2666	NUM
fsr-3584	169	3	1.4014	1.4014	NUM
fsr-3584	169	4	financial	financial	ADJ
fsr-3584	169	5	services	service	NOUN
fsr-3584	169	6	review	review	NOUN
fsr-3584	169	7	,	,	PUNCT
fsr-3584	169	8	32(3	32(3	NUM
fsr-3584	169	9	)	)	PUNCT
fsr-3584	169	10	28	28	NUM
fsr-3584	169	11	variable	variable	ADJ
fsr-3584	169	12	coefficient	coefficient	NOUN
fsr-3584	169	13	standard	standard	ADJ
fsr-3584	169	14	error	error	NOUN
fsr-3584	169	15	chisquare	chisquare	NOUN
fsr-3584	169	16	p	p	NOUN
fsr-3584	169	17	value	value	NOUN
fsr-3584	169	18	odd	odd	ADJ
fsr-3584	169	19	ratio	ratio	NOUN
fsr-3584	169	20	saving	saving	NOUN
fsr-3584	169	21	reasons	reason	NOUN
fsr-3584	169	22	(	(	PUNCT
fsr-3584	169	23	reference	reference	NOUN
fsr-3584	169	24	category	category	NOUN
fsr-3584	169	25	=	=	SYM
fsr-3584	169	26	other	other	ADJ
fsr-3584	169	27	saving	save	VERB
fsr-3584	169	28	reasons	reason	NOUN
fsr-3584	169	29	)	)	PUNCT
fsr-3584	169	30	can	can	AUX
fsr-3584	169	31	not	not	PART
fsr-3584	169	32	save	save	VERB
fsr-3584	169	33	0.5585	0.5585	NUM
fsr-3584	169	34	0.3598	0.3598	NUM
fsr-3584	169	35	0.1206	0.1206	NUM
fsr-3584	169	36	1.7482	1.7482	NUM
fsr-3584	169	37	retirement	retirement	NOUN
fsr-3584	169	38	-0.4499	-0.4499	NOUN
fsr-3584	169	39	0.0990	0.0990	NUM
fsr-3584	169	40	<	<	X
fsr-3584	169	41	.0001	.0001	X
fsr-3584	169	42	0.6376	0.6376	NUM
fsr-3584	169	43	investment	investment	NOUN
fsr-3584	169	44	-0.1330	-0.1330	PUNCT
fsr-3584	169	45	0.3024	0.3024	NUM
fsr-3584	169	46	0.6600	0.6600	NUM
fsr-3584	169	47	0.8758	0.8758	NUM
fsr-3584	169	48	financial	financial	ADJ
fsr-3584	169	49	risk	risk	NOUN
fsr-3584	169	50	tolerance	tolerance	NOUN
fsr-3584	169	51	(	(	PUNCT
fsr-3584	169	52	reference	reference	NOUN
fsr-3584	169	53	category	category	NOUN
fsr-3584	169	54	=	=	PRON
fsr-3584	169	55	take	take	VERB
fsr-3584	169	56	no	no	DET
fsr-3584	169	57	risk	risk	NOUN
fsr-3584	169	58	)	)	PUNCT
fsr-3584	169	59	substantial	substantial	ADJ
fsr-3584	169	60	risk	risk	NOUN
fsr-3584	169	61	0.0758	0.0758	NUM
fsr-3584	169	62	0.1869	0.1869	NUM
fsr-3584	169	63	0.6852	0.6852	NUM
fsr-3584	169	64	1.0788	1.0788	NUM
fsr-3584	169	65	above	above	ADP
fsr-3584	169	66	average	average	ADJ
fsr-3584	169	67	-0.5839	-0.5839	NOUN
fsr-3584	169	68	0.1380	0.1380	NUM
fsr-3584	169	69	<	<	X
fsr-3584	169	70	.0001	.0001	X
fsr-3584	169	71	0.5574	0.5574	NUM
fsr-3584	169	72	average	average	ADJ
fsr-3584	169	73	-0.5589	-0.5589	NOUN
fsr-3584	169	74	0.1151	0.1151	NUM
fsr-3584	169	75	<	<	NOUN
fsr-3584	169	76	.0001	.0001	PROPN
fsr-3584	169	77	0.5718	0.5718	NUM
fsr-3584	169	78	year	year	NOUN
fsr-3584	169	79	=	=	SYM
fsr-3584	169	80	2019	2019	NUM
fsr-3584	169	81	0.0465	0.0465	NUM
fsr-3584	169	82	0.0891	0.0891	NUM
fsr-3584	169	83	0.6017	0.6017	NUM
fsr-3584	169	84	1.0476	1.0476	NUM
fsr-3584	169	85	intercept	intercept	NOUN
fsr-3584	169	86	0.3474	0.3474	NUM
fsr-3584	169	87	0.5287	0.5287	NUM
fsr-3584	169	88	0.5112	0.5112	NUM
fsr-3584	169	89	concordance	concordance	NOUN
fsr-3584	169	90	(	(	PUNCT
fsr-3584	169	91	averaged	average	VERB
fsr-3584	169	92	for	for	ADP
fsr-3584	169	93	5	5	NUM
fsr-3584	169	94	implicates	implicate	NOUN
fsr-3584	169	95	)	)	PUNCT
fsr-3584	169	96	73.48	73.48	NUM
fsr-3584	169	97	%	%	NOUN
fsr-3584	169	98	notes	note	NOUN
fsr-3584	169	99	.	.	PUNCT
fsr-3584	170	1	n	n	NOUN
fsr-3584	170	2	=	=	SYM
fsr-3584	170	3	4,607	4,607	NUM
fsr-3584	170	4	households	household	NOUN
fsr-3584	170	5	.	.	PUNCT
fsr-3584	171	1	unweighted	unweighte	VERB
fsr-3584	171	2	repeated	repeat	VERB
fsr-3584	171	3	-	-	PUNCT
fsr-3584	171	4	imputation	imputation	NOUN
fsr-3584	171	5	inference	inference	NOUN
fsr-3584	171	6	(	(	PUNCT
fsr-3584	171	7	rii	rii	NOUN
fsr-3584	171	8	)	)	PUNCT
fsr-3584	171	9	analysis	analysis	NOUN
fsr-3584	171	10	of	of	ADP
fsr-3584	171	11	combination	combination	NOUN
fsr-3584	171	12	of	of	ADP
fsr-3584	171	13	2016	2016	NUM
fsr-3584	171	14	and	and	CCONJ
fsr-3584	171	15	2019	2019	NUM
fsr-3584	171	16	survey	survey	NOUN
fsr-3584	171	17	of	of	ADP
fsr-3584	171	18	consumer	consumer	NOUN
fsr-3584	171	19	finances	finance	NOUN
fsr-3584	171	20	dataset	dataset	NOUN
fsr-3584	171	21	(	(	PUNCT
fsr-3584	171	22	scf	scf	PROPN
fsr-3584	171	23	)	)	PUNCT
fsr-3584	171	24	.	.	PUNCT
fsr-3584	172	1	table	table	NOUN
fsr-3584	172	2	4	4	NUM
fsr-3584	172	3	shows	show	VERB
fsr-3584	172	4	results	result	NOUN
fsr-3584	172	5	from	from	ADP
fsr-3584	172	6	the	the	DET
fsr-3584	172	7	model	model	NOUN
fsr-3584	172	8	3	3	NUM
fsr-3584	172	9	logistic	logistic	ADJ
fsr-3584	172	10	regression	regression	NOUN
fsr-3584	172	11	estimation	estimation	NOUN
fsr-3584	172	12	,	,	PUNCT
fsr-3584	172	13	with	with	ADP
fsr-3584	172	14	financial	financial	ADJ
fsr-3584	172	15	knowledge	knowledge	NOUN
fsr-3584	172	16	confidence	confidence	NOUN
fsr-3584	172	17	variables	variable	NOUN
fsr-3584	172	18	added	add	VERB
fsr-3584	172	19	to	to	ADP
fsr-3584	172	20	the	the	DET
fsr-3584	172	21	independent	independent	ADJ
fsr-3584	172	22	variables	variable	NOUN
fsr-3584	172	23	from	from	ADP
fsr-3584	172	24	table	table	NOUN
fsr-3584	172	25	2	2	NUM
fsr-3584	172	26	.	.	PUNCT
fsr-3584	173	1	the	the	DET
fsr-3584	173	2	likelihood	likelihood	NOUN
fsr-3584	173	3	of	of	ADP
fsr-3584	173	4	the	the	DET
fsr-3584	173	5	never	never	ADV
fsr-3584	173	6	retire	retire	VERB
fsr-3584	173	7	response	response	NOUN
fsr-3584	173	8	was	be	AUX
fsr-3584	173	9	higher	high	ADJ
fsr-3584	173	10	for	for	ADP
fsr-3584	173	11	those	those	PRON
fsr-3584	173	12	who	who	PRON
fsr-3584	173	13	exhibited	exhibit	VERB
fsr-3584	173	14	overconfidence	overconfidence	NOUN
fsr-3584	173	15	compared	compare	VERB
fsr-3584	173	16	to	to	ADP
fsr-3584	173	17	those	those	PRON
fsr-3584	173	18	who	who	PRON
fsr-3584	173	19	were	be	AUX
fsr-3584	173	20	underconfident	underconfident	ADJ
fsr-3584	173	21	.	.	PUNCT
fsr-3584	174	1	the	the	DET
fsr-3584	174	2	effects	effect	NOUN
fsr-3584	174	3	of	of	ADP
fsr-3584	174	4	the	the	DET
fsr-3584	174	5	other	other	ADJ
fsr-3584	174	6	control	control	NOUN
fsr-3584	174	7	variables	variable	NOUN
fsr-3584	174	8	were	be	AUX
fsr-3584	174	9	similar	similar	ADJ
fsr-3584	174	10	to	to	ADP
fsr-3584	174	11	the	the	DET
fsr-3584	174	12	results	result	NOUN
fsr-3584	174	13	for	for	ADP
fsr-3584	174	14	models	model	NOUN
fsr-3584	174	15	1	1	NUM
fsr-3584	174	16	and	and	CCONJ
fsr-3584	174	17	2	2	NUM
fsr-3584	174	18	.	.	X
fsr-3584	175	1	there	there	PRON
fsr-3584	175	2	was	be	VERB
fsr-3584	175	3	no	no	DET
fsr-3584	175	4	significant	significant	ADJ
fsr-3584	175	5	difference	difference	NOUN
fsr-3584	175	6	in	in	ADP
fsr-3584	175	7	the	the	PRON
fsr-3584	175	8	never	never	ADV
fsr-3584	175	9	retire	retire	VERB
fsr-3584	175	10	rates	rate	NOUN
fsr-3584	175	11	between	between	ADP
fsr-3584	175	12	the	the	DET
fsr-3584	175	13	2016	2016	NUM
fsr-3584	175	14	and	and	CCONJ
fsr-3584	175	15	2019	2019	NUM
fsr-3584	175	16	scf	scf	PROPN
fsr-3584	175	17	respondents	respondent	NOUN
fsr-3584	175	18	.	.	PUNCT
fsr-3584	176	1	conclusion	conclusion	NOUN
fsr-3584	176	2	and	and	CCONJ
fsr-3584	176	3	implications	implication	NOUN
fsr-3584	176	4	in	in	ADP
fsr-3584	176	5	the	the	DET
fsr-3584	176	6	descriptive	descriptive	ADJ
fsr-3584	176	7	analyses	analysis	NOUN
fsr-3584	176	8	,	,	PUNCT
fsr-3584	176	9	we	we	PRON
fsr-3584	176	10	found	find	VERB
fsr-3584	176	11	that	that	SCONJ
fsr-3584	176	12	respondents	respondent	NOUN
fsr-3584	176	13	who	who	PRON
fsr-3584	176	14	missed	miss	VERB
fsr-3584	176	15	one	one	NUM
fsr-3584	176	16	or	or	CCONJ
fsr-3584	176	17	more	more	ADJ
fsr-3584	176	18	objective	objective	ADJ
fsr-3584	176	19	financial	financial	ADJ
fsr-3584	176	20	knowledge	knowledge	NOUN
fsr-3584	176	21	questions	question	NOUN
fsr-3584	176	22	were	be	AUX
fsr-3584	176	23	significantly	significantly	ADV
fsr-3584	176	24	more	more	ADV
fsr-3584	176	25	likely	likely	ADJ
fsr-3584	176	26	to	to	PART
fsr-3584	176	27	have	have	AUX
fsr-3584	176	28	chosen	choose	VERB
fsr-3584	176	29	the	the	PRON
fsr-3584	176	30	never	never	ADV
fsr-3584	176	31	retire	retire	VERB
fsr-3584	176	32	response	response	NOUN
fsr-3584	176	33	than	than	ADP
fsr-3584	176	34	those	those	PRON
fsr-3584	176	35	who	who	PRON
fsr-3584	176	36	answered	answer	VERB
fsr-3584	176	37	all	all	DET
fsr-3584	176	38	three	three	NUM
fsr-3584	176	39	questions	question	NOUN
fsr-3584	176	40	correctly	correctly	ADV
fsr-3584	176	41	.	.	PUNCT
fsr-3584	177	1	we	we	PRON
fsr-3584	177	2	found	find	VERB
fsr-3584	177	3	a	a	DET
fsr-3584	177	4	similar	similar	ADJ
fsr-3584	177	5	pattern	pattern	NOUN
fsr-3584	177	6	for	for	ADP
fsr-3584	177	7	the	the	DET
fsr-3584	177	8	subjective	subjective	ADJ
fsr-3584	177	9	financial	financial	ADJ
fsr-3584	177	10	knowledge	knowledge	NOUN
fsr-3584	177	11	question	question	NOUN
fsr-3584	177	12	with	with	ADP
fsr-3584	177	13	those	those	PRON
fsr-3584	177	14	who	who	PRON
fsr-3584	177	15	perceived	perceive	VERB
fsr-3584	177	16	themselves	themselves	PRON
fsr-3584	177	17	in	in	ADP
fsr-3584	177	18	the	the	DET
fsr-3584	177	19	lowest	low	ADJ
fsr-3584	177	20	subjective	subjective	ADJ
fsr-3584	177	21	knowledge	knowledge	NOUN
fsr-3584	177	22	category	category	NOUN
fsr-3584	177	23	being	be	AUX
fsr-3584	177	24	significantly	significantly	ADV
fsr-3584	177	25	more	more	ADV
fsr-3584	177	26	likely	likely	ADJ
fsr-3584	177	27	to	to	PART
fsr-3584	177	28	choose	choose	VERB
fsr-3584	177	29	the	the	PRON
fsr-3584	177	30	never	never	ADV
fsr-3584	177	31	retire	retire	VERB
fsr-3584	177	32	response	response	NOUN
fsr-3584	177	33	than	than	ADP
fsr-3584	177	34	those	those	PRON
fsr-3584	177	35	who	who	PRON
fsr-3584	177	36	perceived	perceive	VERB
fsr-3584	177	37	themselves	themselves	PRON
fsr-3584	177	38	to	to	PART
fsr-3584	177	39	be	be	AUX
fsr-3584	177	40	in	in	ADP
fsr-3584	177	41	the	the	DET
fsr-3584	177	42	highest	high	ADJ
fsr-3584	177	43	subjective	subjective	ADJ
fsr-3584	177	44	knowledge	knowledge	NOUN
fsr-3584	177	45	category	category	NOUN
fsr-3584	177	46	.	.	PUNCT
fsr-3584	178	1	we	we	PRON
fsr-3584	178	2	also	also	ADV
fsr-3584	178	3	found	find	VERB
fsr-3584	178	4	that	that	SCONJ
fsr-3584	178	5	those	those	PRON
fsr-3584	178	6	with	with	ADP
fsr-3584	178	7	appropriately	appropriately	ADV
fsr-3584	178	8	low	low	ADJ
fsr-3584	178	9	confidence	confidence	NOUN
fsr-3584	178	10	and	and	CCONJ
fsr-3584	178	11	overconfidence	overconfidence	NOUN
fsr-3584	178	12	had	have	AUX
fsr-3584	178	13	higher	high	ADJ
fsr-3584	178	14	never	never	ADV
fsr-3584	178	15	retire	retire	VERB
fsr-3584	178	16	rates	rate	NOUN
fsr-3584	178	17	than	than	ADP
fsr-3584	178	18	those	those	PRON
fsr-3584	178	19	with	with	ADP
fsr-3584	178	20	appropriately	appropriately	ADV
fsr-3584	178	21	high	high	ADJ
fsr-3584	178	22	confidence	confidence	NOUN
fsr-3584	178	23	and	and	CCONJ
fsr-3584	178	24	with	with	ADP
fsr-3584	178	25	under	under	NOUN
fsr-3584	178	26	-	-	PUNCT
fsr-3584	178	27	confidence	confidence	NOUN
fsr-3584	178	28	.	.	PUNCT
fsr-3584	179	1	the	the	DET
fsr-3584	179	2	relationships	relationship	NOUN
fsr-3584	179	3	between	between	ADP
fsr-3584	179	4	the	the	PRON
fsr-3584	179	5	never	never	ADV
fsr-3584	179	6	retire	retire	VERB
fsr-3584	179	7	response	response	NOUN
fsr-3584	179	8	and	and	CCONJ
fsr-3584	179	9	financial	financial	ADJ
fsr-3584	179	10	knowledge	knowledge	NOUN
fsr-3584	179	11	were	be	AUX
fsr-3584	179	12	weaker	weak	ADJ
fsr-3584	179	13	when	when	SCONJ
fsr-3584	179	14	other	other	ADJ
fsr-3584	179	15	variables	variable	NOUN
fsr-3584	179	16	were	be	AUX
fsr-3584	179	17	controlled	control	VERB
fsr-3584	179	18	in	in	ADP
fsr-3584	179	19	the	the	DET
fsr-3584	179	20	logistic	logistic	ADJ
fsr-3584	179	21	regressions	regression	NOUN
fsr-3584	179	22	.	.	PUNCT
fsr-3584	180	1	with	with	ADP
fsr-3584	180	2	both	both	CCONJ
fsr-3584	180	3	objective	objective	ADJ
fsr-3584	180	4	and	and	CCONJ
fsr-3584	180	5	subjective	subjective	ADJ
fsr-3584	180	6	financial	financial	ADJ
fsr-3584	180	7	knowledge	knowledge	NOUN
fsr-3584	180	8	and	and	CCONJ
fsr-3584	180	9	many	many	ADJ
fsr-3584	180	10	other	other	ADJ
fsr-3584	180	11	household	household	NOUN
fsr-3584	180	12	characteristics	characteristic	NOUN
fsr-3584	180	13	controlled	control	VERB
fsr-3584	180	14	,	,	PUNCT
fsr-3584	180	15	respondents	respondent	NOUN
fsr-3584	180	16	with	with	ADP
fsr-3584	180	17	a	a	DET
fsr-3584	180	18	fair	fair	ADJ
fsr-3584	180	19	level	level	NOUN
fsr-3584	180	20	of	of	ADP
fsr-3584	180	21	financial	financial	ADJ
fsr-3584	180	22	knowledge	knowledge	NOUN
fsr-3584	180	23	(	(	PUNCT
fsr-3584	180	24	i.e.	i.e.	X
fsr-3584	180	25	,	,	PUNCT
fsr-3584	180	26	missed	miss	VERB
fsr-3584	180	27	one	one	NUM
fsr-3584	180	28	question	question	NOUN
fsr-3584	180	29	)	)	PUNCT
fsr-3584	180	30	were	be	AUX
fsr-3584	180	31	more	more	ADV
fsr-3584	180	32	likely	likely	ADJ
fsr-3584	180	33	to	to	PART
fsr-3584	180	34	give	give	VERB
fsr-3584	180	35	a	a	PRON
fsr-3584	180	36	never	never	ADV
fsr-3584	180	37	retire	retire	VERB
fsr-3584	180	38	response	response	NOUN
fsr-3584	180	39	than	than	ADP
fsr-3584	180	40	respondents	respondent	NOUN
fsr-3584	180	41	who	who	PRON
fsr-3584	180	42	got	get	VERB
fsr-3584	180	43	all	all	DET
fsr-3584	180	44	three	three	NUM
fsr-3584	180	45	questions	question	NOUN
fsr-3584	180	46	correct	correct	ADJ
fsr-3584	180	47	.	.	PUNCT
fsr-3584	181	1	we	we	PRON
fsr-3584	181	2	also	also	ADV
fsr-3584	181	3	found	find	VERB
fsr-3584	181	4	that	that	SCONJ
fsr-3584	181	5	household	household	NOUN
fsr-3584	181	6	characteristics	characteristic	NOUN
fsr-3584	181	7	,	,	PUNCT
fsr-3584	181	8	financial	financial	ADJ
fsr-3584	181	9	situation	situation	NOUN
fsr-3584	181	10	,	,	PUNCT
fsr-3584	181	11	and	and	CCONJ
fsr-3584	181	12	financial	financial	ADJ
fsr-3584	181	13	attitudes	attitude	NOUN
fsr-3584	181	14	had	have	VERB
fsr-3584	181	15	significant	significant	ADJ
fsr-3584	181	16	relationships	relationship	NOUN
fsr-3584	181	17	with	with	ADP
fsr-3584	181	18	the	the	PRON
fsr-3584	181	19	never	never	ADV
fsr-3584	181	20	retire	retire	VERB
fsr-3584	181	21	response	response	NOUN
fsr-3584	181	22	.	.	PUNCT
fsr-3584	182	1	for	for	ADP
fsr-3584	182	2	the	the	DET
fsr-3584	182	3	model	model	NOUN
fsr-3584	182	4	3	3	NUM
fsr-3584	182	5	logistic	logistic	ADJ
fsr-3584	182	6	regression	regression	NOUN
fsr-3584	182	7	(	(	PUNCT
fsr-3584	182	8	i.e.	i.e.	X
fsr-3584	182	9	,	,	PUNCT
fsr-3584	182	10	the	the	DET
fsr-3584	182	11	model	model	NOUN
fsr-3584	182	12	that	that	PRON
fsr-3584	182	13	included	include	VERB
fsr-3584	182	14	financial	financial	ADJ
fsr-3584	182	15	knowledge	knowledge	NOUN
fsr-3584	182	16	confidence	confidence	NOUN
fsr-3584	182	17	variables	variable	NOUN
fsr-3584	182	18	and	and	CCONJ
fsr-3584	182	19	the	the	DET
fsr-3584	182	20	control	control	NOUN
fsr-3584	182	21	variables	variable	NOUN
fsr-3584	182	22	)	)	PUNCT
fsr-3584	182	23	,	,	PUNCT
fsr-3584	182	24	financially	financially	ADV
fsr-3584	182	25	knowledgeable	knowledgeable	ADJ
fsr-3584	182	26	underconfident	underconfident	ADJ
fsr-3584	182	27	respondents	respondent	NOUN
fsr-3584	182	28	were	be	AUX
fsr-3584	182	29	significantly	significantly	ADV
fsr-3584	182	30	less	less	ADV
fsr-3584	182	31	likely	likely	ADJ
fsr-3584	182	32	than	than	ADP
fsr-3584	182	33	similar	similar	ADJ
fsr-3584	182	34	overconfident	overconfident	ADJ
fsr-3584	182	35	respondents	respondent	NOUN
fsr-3584	182	36	to	to	PART
fsr-3584	182	37	give	give	VERB
fsr-3584	182	38	a	a	DET
fsr-3584	182	39	never	never	ADV
fsr-3584	182	40	retire	retire	NOUN
fsr-3584	182	41	response	response	NOUN
fsr-3584	182	42	,	,	PUNCT
fsr-3584	182	43	suggesting	suggest	VERB
fsr-3584	182	44	the	the	DET
fsr-3584	182	45	importance	importance	NOUN
fsr-3584	182	46	of	of	ADP
fsr-3584	182	47	teaching	teach	VERB
fsr-3584	182	48	workers	worker	NOUN
fsr-3584	182	49	not	not	PART
fsr-3584	182	50	only	only	ADV
fsr-3584	182	51	financial	financial	ADJ
fsr-3584	182	52	knowledge	knowledge	NOUN
fsr-3584	182	53	but	but	CCONJ
fsr-3584	182	54	also	also	ADV
fsr-3584	182	55	the	the	DET
fsr-3584	182	56	limits	limit	NOUN
fsr-3584	182	57	of	of	ADP
fsr-3584	182	58	their	their	PRON
fsr-3584	182	59	knowledge	knowledge	NOUN
fsr-3584	182	60	.	.	PUNCT
fsr-3584	183	1	financial	financial	ADJ
fsr-3584	183	2	planners	planner	NOUN
fsr-3584	183	3	,	,	PUNCT
fsr-3584	183	4	financial	financial	ADJ
fsr-3584	183	5	counselors	counselor	NOUN
fsr-3584	183	6	,	,	PUNCT
fsr-3584	183	7	and	and	CCONJ
fsr-3584	183	8	financial	financial	ADJ
fsr-3584	183	9	educators	educator	NOUN
fsr-3584	183	10	should	should	AUX
fsr-3584	183	11	pay	pay	VERB
fsr-3584	183	12	attention	attention	NOUN
fsr-3584	183	13	to	to	ADP
fsr-3584	183	14	the	the	DET
fsr-3584	183	15	level	level	NOUN
fsr-3584	183	16	of	of	ADP
fsr-3584	183	17	financial	financial	ADJ
fsr-3584	183	18	knowledge	knowledge	NOUN
fsr-3584	183	19	and	and	CCONJ
fsr-3584	183	20	confidence	confidence	NOUN
fsr-3584	183	21	levels	level	NOUN
fsr-3584	183	22	of	of	ADP
fsr-3584	183	23	their	their	PRON
fsr-3584	183	24	clients	client	NOUN
fsr-3584	183	25	and	and	CCONJ
fsr-3584	183	26	also	also	ADV
fsr-3584	183	27	consider	consider	VERB
fsr-3584	183	28	risk	risk	NOUN
fsr-3584	183	29	tolerance	tolerance	NOUN
fsr-3584	183	30	and	and	CCONJ
fsr-3584	183	31	other	other	ADJ
fsr-3584	183	32	factors	factor	NOUN
fsr-3584	183	33	that	that	PRON
fsr-3584	183	34	are	be	AUX
fsr-3584	183	35	directly	directly	ADV
fsr-3584	183	36	related	relate	VERB
fsr-3584	183	37	to	to	ADP
fsr-3584	183	38	retirement	retirement	NOUN
fsr-3584	183	39	expectations	expectation	NOUN
fsr-3584	183	40	.	.	PUNCT
fsr-3584	184	1	educators	educator	NOUN
fsr-3584	184	2	and	and	CCONJ
fsr-3584	184	3	policymakers	policymaker	NOUN
fsr-3584	184	4	not	not	PART
fsr-3584	184	5	only	only	ADV
fsr-3584	184	6	need	need	VERB
fsr-3584	184	7	to	to	PART
fsr-3584	184	8	consider	consider	VERB
fsr-3584	184	9	the	the	DET
fsr-3584	184	10	impacts	impact	NOUN
fsr-3584	184	11	of	of	ADP
fsr-3584	184	12	financial	financial	ADJ
fsr-3584	184	13	knowledge	knowledge	NOUN
fsr-3584	184	14	on	on	ADP
fsr-3584	184	15	retirement	retirement	NOUN
fsr-3584	184	16	plans	plan	NOUN
fsr-3584	184	17	and	and	CCONJ
fsr-3584	184	18	make	make	VERB
fsr-3584	184	19	relevant	relevant	ADJ
fsr-3584	184	20	plans	plan	NOUN
fsr-3584	184	21	for	for	ADP
fsr-3584	184	22	education	education	NOUN
fsr-3584	184	23	and	and	CCONJ
fsr-3584	184	24	policy	policy	NOUN
fsr-3584	184	25	but	but	CCONJ
fsr-3584	184	26	also	also	ADV
fsr-3584	184	27	need	need	VERB
fsr-3584	184	28	to	to	PART
fsr-3584	184	29	consider	consider	VERB
fsr-3584	184	30	how	how	SCONJ
fsr-3584	184	31	to	to	PART
fsr-3584	184	32	help	help	VERB
fsr-3584	184	33	people	people	NOUN
fsr-3584	184	34	build	build	VERB
fsr-3584	184	35	suitable	suitable	ADJ
fsr-3584	184	36	confidence	confidence	NOUN
fsr-3584	184	37	in	in	ADP
fsr-3584	184	38	financial	financial	ADJ
fsr-3584	184	39	knowledge	knowledge	NOUN
fsr-3584	184	40	.	.	PUNCT
fsr-3584	185	1	workers	worker	NOUN
fsr-3584	185	2	could	could	AUX
fsr-3584	185	3	benefit	benefit	VERB
fsr-3584	185	4	from	from	ADP
fsr-3584	185	5	these	these	DET
fsr-3584	185	6	plans	plan	NOUN
fsr-3584	185	7	by	by	ADP
fsr-3584	185	8	making	make	VERB
fsr-3584	185	9	more	more	ADJ
fsr-3584	185	10	rational	rational	ADJ
fsr-3584	185	11	retirement	retirement	NOUN
fsr-3584	185	12	plans	plan	NOUN
fsr-3584	185	13	and	and	CCONJ
fsr-3584	185	14	financial	financial	ADJ
fsr-3584	185	15	plans	plan	NOUN
fsr-3584	185	16	based	base	VERB
fsr-3584	185	17	on	on	ADP
fsr-3584	185	18	their	their	PRON
fsr-3584	185	19	own	own	ADJ
fsr-3584	185	20	situations	situation	NOUN
fsr-3584	185	21	.	.	PUNCT
fsr-3584	186	1	zhang	zhang	PROPN
fsr-3584	186	2	et	et	PROPN
fsr-3584	186	3	al	al	PROPN
fsr-3584	186	4	.	.	PROPN
fsr-3584	186	5	29	29	NUM
fsr-3584	186	6	in	in	ADP
fsr-3584	186	7	summary	summary	NOUN
fsr-3584	186	8	,	,	PUNCT
fsr-3584	186	9	evaluations	evaluation	NOUN
fsr-3584	186	10	of	of	ADP
fsr-3584	186	11	retirement	retirement	NOUN
fsr-3584	186	12	adequacy	adequacy	NOUN
fsr-3584	186	13	need	need	VERB
fsr-3584	186	14	to	to	PART
fsr-3584	186	15	include	include	VERB
fsr-3584	186	16	careful	careful	ADJ
fsr-3584	186	17	considerations	consideration	NOUN
fsr-3584	186	18	of	of	ADP
fsr-3584	186	19	what	what	PRON
fsr-3584	186	20	never	never	ADV
fsr-3584	186	21	retire	retire	VERB
fsr-3584	186	22	responses	response	NOUN
fsr-3584	186	23	mean	mean	VERB
fsr-3584	186	24	.	.	PUNCT
fsr-3584	187	1	some	some	DET
fsr-3584	187	2	analyses	analysis	NOUN
fsr-3584	187	3	of	of	ADP
fsr-3584	187	4	the	the	DET
fsr-3584	187	5	projected	project	VERB
fsr-3584	187	6	retirement	retirement	NOUN
fsr-3584	187	7	adequacy	adequacy	NOUN
fsr-3584	187	8	of	of	ADP
fsr-3584	187	9	u.s	u.s	PROPN
fsr-3584	187	10	.	.	PROPN
fsr-3584	187	11	workers	worker	NOUN
fsr-3584	187	12	(	(	PUNCT
fsr-3584	187	13	e.g.	e.g.	ADV
fsr-3584	187	14	,	,	PUNCT
fsr-3584	187	15	yuh	yuh	PROPN
fsr-3584	187	16	et	et	PROPN
fsr-3584	187	17	al	al	PROPN
fsr-3584	187	18	.	.	PROPN
fsr-3584	187	19	,	,	PUNCT
fsr-3584	187	20	1998	1998	NUM
fsr-3584	187	21	)	)	PUNCT
fsr-3584	187	22	assume	assume	VERB
fsr-3584	187	23	that	that	SCONJ
fsr-3584	187	24	those	those	PRON
fsr-3584	187	25	giving	give	VERB
fsr-3584	187	26	a	a	PRON
fsr-3584	187	27	never	never	ADV
fsr-3584	187	28	retire	retire	NOUN
fsr-3584	187	29	response	response	NOUN
fsr-3584	187	30	will	will	AUX
fsr-3584	187	31	retire	retire	VERB
fsr-3584	187	32	at	at	ADP
fsr-3584	187	33	age	age	NOUN
fsr-3584	187	34	70	70	NUM
fsr-3584	187	35	.	.	PUNCT
fsr-3584	188	1	as	as	ADP
fsr-3584	188	2	hanna	hanna	PROPN
fsr-3584	188	3	et	et	PROPN
fsr-3584	188	4	al	al	PROPN
fsr-3584	188	5	.	.	PROPN
fsr-3584	189	1	(	(	PUNCT
fsr-3584	189	2	2017	2017	NUM
fsr-3584	189	3	)	)	PUNCT
fsr-3584	189	4	demonstrated	demonstrate	VERB
fsr-3584	189	5	,	,	PUNCT
fsr-3584	189	6	it	it	PRON
fsr-3584	189	7	is	be	AUX
fsr-3584	189	8	plausible	plausible	ADJ
fsr-3584	189	9	that	that	SCONJ
fsr-3584	189	10	those	those	DET
fsr-3584	189	11	households	household	NOUN
fsr-3584	189	12	will	will	AUX
fsr-3584	189	13	retire	retire	VERB
fsr-3584	189	14	at	at	ADP
fsr-3584	189	15	a	a	DET
fsr-3584	189	16	much	much	ADV
fsr-3584	189	17	younger	young	ADJ
fsr-3584	189	18	age	age	NOUN
fsr-3584	189	19	,	,	PUNCT
fsr-3584	189	20	and	and	CCONJ
fsr-3584	189	21	therefore	therefore	ADV
fsr-3584	189	22	will	will	AUX
fsr-3584	189	23	have	have	VERB
fsr-3584	189	24	less	less	ADJ
fsr-3584	189	25	retirement	retirement	NOUN
fsr-3584	189	26	adequacy	adequacy	NOUN
fsr-3584	189	27	.	.	PUNCT
fsr-3584	190	1	therefore	therefore	ADV
fsr-3584	190	2	,	,	PUNCT
fsr-3584	190	3	some	some	DET
fsr-3584	190	4	projections	projection	NOUN
fsr-3584	190	5	of	of	ADP
fsr-3584	190	6	the	the	DET
fsr-3584	190	7	proportion	proportion	NOUN
fsr-3584	190	8	of	of	ADP
fsr-3584	190	9	workers	worker	NOUN
fsr-3584	190	10	on	on	ADP
fsr-3584	190	11	track	track	NOUN
fsr-3584	190	12	for	for	ADP
fsr-3584	190	13	an	an	DET
fsr-3584	190	14	adequate	adequate	ADJ
fsr-3584	190	15	retirement	retirement	NOUN
fsr-3584	190	16	might	might	AUX
fsr-3584	190	17	be	be	AUX
fsr-3584	190	18	too	too	ADV
fsr-3584	190	19	optimistic	optimistic	ADJ
fsr-3584	190	20	.	.	PUNCT
fsr-3584	191	1	table	table	NOUN
fsr-3584	191	2	4	4	NUM
fsr-3584	191	3	.	.	PUNCT
fsr-3584	192	1	logistic	logistic	ADJ
fsr-3584	192	2	regression	regression	NOUN
fsr-3584	192	3	analysis	analysis	NOUN
fsr-3584	192	4	of	of	ADP
fsr-3584	192	5	the	the	DET
fsr-3584	192	6	likelihood	likelihood	NOUN
fsr-3584	192	7	of	of	ADP
fsr-3584	192	8	full	full	ADJ
fsr-3584	192	9	-	-	PUNCT
fsr-3584	192	10	time	time	NOUN
fsr-3584	192	11	worker	worker	NOUN
fsr-3584	192	12	household	household	NOUN
fsr-3584	192	13	heads	head	NOUN
fsr-3584	192	14	aged	age	VERB
fsr-3584	192	15	35–60	35–60	NUM
fsr-3584	192	16	years	year	NOUN
fsr-3584	192	17	expecting	expect	VERB
fsr-3584	192	18	never	never	ADV
fsr-3584	192	19	to	to	PART
fsr-3584	192	20	retire	retire	VERB
fsr-3584	192	21	,	,	PUNCT
fsr-3584	192	22	model	model	NOUN
fsr-3584	192	23	3	3	NUM
fsr-3584	192	24	,	,	PUNCT
fsr-3584	192	25	with	with	ADP
fsr-3584	192	26	confidence	confidence	NOUN
fsr-3584	192	27	in	in	ADP
fsr-3584	192	28	financial	financial	ADJ
fsr-3584	192	29	knowledge	knowledge	NOUN
fsr-3584	192	30	variables	variable	VERB
fsr-3584	192	31	variable	variable	ADJ
fsr-3584	192	32	coefficient	coefficient	NOUN
fsr-3584	192	33	standard	standard	ADJ
fsr-3584	192	34	error	error	NOUN
fsr-3584	192	35	chisquare	chisquare	NOUN
fsr-3584	192	36	p	p	NOUN
fsr-3584	192	37	value	value	NOUN
fsr-3584	192	38	odd	odd	ADJ
fsr-3584	192	39	ratio	ratio	NOUN
fsr-3584	192	40	financial	financial	ADJ
fsr-3584	192	41	confidence	confidence	NOUN
fsr-3584	192	42	categories	category	NOUN
fsr-3584	192	43	(	(	PUNCT
fsr-3584	192	44	reference	reference	NOUN
fsr-3584	192	45	category	category	NOUN
fsr-3584	192	46	=	=	NOUN
fsr-3584	192	47	overconfident	overconfident	ADJ
fsr-3584	192	48	)	)	PUNCT
fsr-3584	192	49	appropriate	appropriate	ADJ
fsr-3584	192	50	low	low	ADJ
fsr-3584	192	51	confidence	confidence	NOUN
fsr-3584	192	52	-0.1472	-0.1472	X
fsr-3584	193	1	0.1329	0.1329	NUM
fsr-3584	193	2	0.2678	0.2678	NUM
fsr-3584	193	3	0.8630	0.8630	NUM
fsr-3584	193	4	appropriate	appropriate	ADJ
fsr-3584	193	5	high	high	ADJ
fsr-3584	193	6	confidence	confidence	NOUN
fsr-3584	193	7	-0.0832	-0.0832	NOUN
fsr-3584	194	1	0.1237	0.1237	NUM
fsr-3584	194	2	0.5015	0.5015	NUM
fsr-3584	194	3	0.9202	0.9202	NUM
fsr-3584	194	4	underconfident	underconfident	ADJ
fsr-3584	194	5	-0.3212	-0.3212	NOUN
fsr-3584	194	6	0.1432	0.1432	NUM
fsr-3584	194	7	0.0249	0.0249	NUM
fsr-3584	194	8	0.7254	0.7254	NUM
fsr-3584	194	9	log	log	NOUN
fsr-3584	194	10	(	(	PUNCT
fsr-3584	194	11	net	net	ADJ
fsr-3584	194	12	worth	worth	NOUN
fsr-3584	194	13	)	)	PUNCT
fsr-3584	194	14	(	(	PUNCT
fsr-3584	194	15	ln	ln	X
fsr-3584	194	16	[	[	X
fsr-3584	194	17	.01	.01	X
fsr-3584	194	18	]	]	X
fsr-3584	194	19	if	if	SCONJ
fsr-3584	194	20	net	net	ADJ
fsr-3584	194	21	worth	worth	ADJ
fsr-3584	194	22	≤	≤	NOUN
fsr-3584	194	23	0	0	NUM
fsr-3584	194	24	)	)	PUNCT
fsr-3584	194	25	-0.0068	-0.0068	NOUN
fsr-3584	195	1	0.0098	0.0098	NUM
fsr-3584	195	2	0.4876	0.4876	NUM
fsr-3584	195	3	0.9930	0.9930	NUM
fsr-3584	195	4	log	log	NOUN
fsr-3584	195	5	(	(	PUNCT
fsr-3584	195	6	income	income	NOUN
fsr-3584	195	7	)	)	PUNCT
fsr-3584	195	8	(	(	PUNCT
fsr-3584	195	9	ln	ln	NOUN
fsr-3584	196	1	[	[	X
fsr-3584	196	2	.01	.01	X
fsr-3584	196	3	]	]	X
fsr-3584	196	4	if	if	SCONJ
fsr-3584	196	5	income	income	NOUN
fsr-3584	196	6	≤	≤	NOUN
fsr-3584	196	7	0	0	NUM
fsr-3584	196	8	)	)	PUNCT
fsr-3584	196	9	-0.0187	-0.0187	NOUN
fsr-3584	197	1	0.0240	0.0240	NUM
fsr-3584	197	2	0.4357	0.4357	NUM
fsr-3584	197	3	0.9812	0.9812	NUM
fsr-3584	197	4	racial	racial	ADJ
fsr-3584	197	5	ethnic	ethnic	ADJ
fsr-3584	197	6	status	status	NOUN
fsr-3584	197	7	of	of	ADP
fsr-3584	197	8	respondent	respondent	NOUN
fsr-3584	197	9	(	(	PUNCT
fsr-3584	197	10	reference	reference	NOUN
fsr-3584	197	11	category	category	NOUN
fsr-3584	197	12	=	=	SYM
fsr-3584	197	13	white	white	ADJ
fsr-3584	197	14	)	)	PUNCT
fsr-3584	197	15	black	black	ADJ
fsr-3584	197	16	-0.2969	-0.2969	NOUN
fsr-3584	197	17	0.1467	0.1467	NUM
fsr-3584	197	18	0.0430	0.0430	NUM
fsr-3584	197	19	0.7432	0.7432	NUM
fsr-3584	197	20	hispanic	hispanic	NOUN
fsr-3584	197	21	-0.4441	-0.4441	NOUN
fsr-3584	197	22	0.1475	0.1475	NUM
fsr-3584	197	23	0.0026	0.0026	NUM
fsr-3584	197	24	0.6414	0.6414	NUM
fsr-3584	197	25	asian	asian	ADJ
fsr-3584	197	26	/	/	SYM
fsr-3584	197	27	other	other	ADJ
fsr-3584	197	28	-0.2311	-0.2311	NOUN
fsr-3584	197	29	0.1942	0.1942	NUM
fsr-3584	197	30	0.2341	0.2341	NUM
fsr-3584	197	31	0.7934	0.7934	NUM
fsr-3584	197	32	have	have	VERB
fsr-3584	197	33	a	a	DET
fsr-3584	197	34	defined	define	VERB
fsr-3584	197	35	benefit	benefit	NOUN
fsr-3584	197	36	pension	pension	NOUN
fsr-3584	197	37	plan	plan	NOUN
fsr-3584	197	38	-0.8378	-0.8378	NOUN
fsr-3584	198	1	0.2026	0.2026	NUM
fsr-3584	198	2	0.0000	0.0000	NUM
fsr-3584	198	3	0.4328	0.4328	NUM
fsr-3584	198	4	perception	perception	NOUN
fsr-3584	198	5	of	of	ADP
fsr-3584	198	6	the	the	DET
fsr-3584	198	7	adequacy	adequacy	NOUN
fsr-3584	198	8	of	of	ADP
fsr-3584	198	9	retirement	retirement	NOUN
fsr-3584	198	10	income	income	NOUN
fsr-3584	198	11	(	(	PUNCT
fsr-3584	198	12	reference	reference	NOUN
fsr-3584	198	13	category	category	NOUN
fsr-3584	198	14	=	=	PUNCT
fsr-3584	198	15	enough	enough	ADJ
fsr-3584	198	16	to	to	PART
fsr-3584	198	17	maintain	maintain	VERB
fsr-3584	198	18	living	living	NOUN
fsr-3584	198	19	standards	standard	NOUN
fsr-3584	198	20	)	)	PUNCT
fsr-3584	198	21	very	very	ADV
fsr-3584	198	22	satisfactory	satisfactory	ADJ
fsr-3584	198	23	-0.0438	-0.0438	X
fsr-3584	198	24	0.1368	0.1368	NUM
fsr-3584	198	25	0.7487	0.7487	NUM
fsr-3584	198	26	0.9574	0.9574	NUM
fsr-3584	198	27	satisfactory	satisfactory	ADJ
fsr-3584	198	28	-0.5878	-0.5878	NOUN
fsr-3584	198	29	0.1597	0.1597	NUM
fsr-3584	198	30	0.0002	0.0002	NUM
fsr-3584	198	31	0.5558	0.5558	NUM
fsr-3584	198	32	inadequate	inadequate	ADJ
fsr-3584	198	33	-0.0278	-0.0278	NOUN
fsr-3584	198	34	0.1491	0.1491	NUM
fsr-3584	199	1	0.8518	0.8518	NUM
fsr-3584	199	2	0.9728	0.9728	NUM
fsr-3584	199	3	totally	totally	ADV
fsr-3584	199	4	inadequate	inadequate	ADJ
fsr-3584	199	5	0.4937	0.4937	NUM
fsr-3584	199	6	0.1255	0.1255	NUM
fsr-3584	199	7	0.0001	0.0001	NUM
fsr-3584	199	8	1.6382	1.6382	NUM
fsr-3584	199	9	head	head	NOUN
fsr-3584	199	10	self	self	NOUN
fsr-3584	199	11	-	-	PUNCT
fsr-3584	199	12	employed	employ	VERB
fsr-3584	199	13	0.6375	0.6375	NUM
fsr-3584	199	14	0.1067	0.1067	NUM
fsr-3584	199	15	<	<	X
fsr-3584	199	16	.0001	.0001	X
fsr-3584	199	17	1.8918	1.8918	NUM
fsr-3584	199	18	years	year	NOUN
fsr-3584	199	19	of	of	ADP
fsr-3584	199	20	education	education	NOUN
fsr-3584	199	21	of	of	ADP
fsr-3584	199	22	the	the	DET
fsr-3584	199	23	head	head	NOUN
fsr-3584	199	24	-0.0516	-0.0516	NOUN
fsr-3584	199	25	0.0190	0.0190	NUM
fsr-3584	199	26	0.0065	0.0065	NUM
fsr-3584	199	27	0.9496	0.9496	NUM
fsr-3584	199	28	perceived	perceive	VERB
fsr-3584	199	29	health	health	NOUN
fsr-3584	199	30	status	status	NOUN
fsr-3584	199	31	of	of	ADP
fsr-3584	199	32	the	the	DET
fsr-3584	199	33	head	head	NOUN
fsr-3584	199	34	(	(	PUNCT
fsr-3584	199	35	reference	reference	NOUN
fsr-3584	199	36	category	category	NOUN
fsr-3584	199	37	=	=	PUNCT
fsr-3584	199	38	good	good	ADJ
fsr-3584	199	39	health	health	NOUN
fsr-3584	199	40	)	)	PUNCT
fsr-3584	199	41	excellent	excellent	ADJ
fsr-3584	199	42	health	health	NOUN
fsr-3584	199	43	-0.0224	-0.0224	NOUN
fsr-3584	199	44	0.1088	0.1088	NUM
fsr-3584	199	45	0.8367	0.8367	NUM
fsr-3584	199	46	0.9778	0.9778	NUM
fsr-3584	199	47	fair	fair	ADJ
fsr-3584	199	48	health	health	NOUN
fsr-3584	199	49	0.0507	0.0507	NUM
fsr-3584	199	50	0.1227	0.1227	NUM
fsr-3584	199	51	0.6796	0.6796	NUM
fsr-3584	199	52	1.0520	1.0520	NUM
fsr-3584	199	53	poor	poor	ADJ
fsr-3584	199	54	health	health	NOUN
fsr-3584	199	55	-0.2067	-0.2067	NOUN
fsr-3584	199	56	0.3675	0.3675	NUM
fsr-3584	199	57	0.5738	0.5738	NUM
fsr-3584	199	58	0.8136	0.8136	NUM
fsr-3584	199	59	all	all	PRON
fsr-3584	199	60	in	in	ADP
fsr-3584	199	61	household	household	NOUN
fsr-3584	199	62	covered	cover	VERB
fsr-3584	199	63	by	by	ADP
fsr-3584	199	64	health	health	NOUN
fsr-3584	199	65	insurance	insurance	NOUN
fsr-3584	199	66	-0.2956	-0.2956	NOUN
fsr-3584	199	67	0.1249	0.1249	NUM
fsr-3584	200	1	0.0179	0.0179	NUM
fsr-3584	200	2	0.7440	0.7440	NUM
fsr-3584	200	3	age	age	NOUN
fsr-3584	200	4	of	of	ADP
fsr-3584	200	5	the	the	DET
fsr-3584	200	6	head	head	NOUN
fsr-3584	200	7	0.0004	0.0004	NUM
fsr-3584	200	8	0.0064	0.0064	NUM
fsr-3584	200	9	0.9535	0.9535	NUM
fsr-3584	200	10	1.0006	1.0006	NUM
fsr-3584	200	11	expect	expect	VERB
fsr-3584	200	12	a	a	DET
fsr-3584	200	13	substantial	substantial	ADJ
fsr-3584	200	14	inheritance	inheritance	NOUN
fsr-3584	200	15	or	or	CCONJ
fsr-3584	200	16	other	other	ADJ
fsr-3584	200	17	transfer	transfer	NOUN
fsr-3584	200	18	-0.3237	-0.3237	NOUN
fsr-3584	200	19	0.1299	0.1299	NUM
fsr-3584	200	20	0.0127	0.0127	NUM
fsr-3584	200	21	0.7236	0.7236	NUM
fsr-3584	200	22	expectations	expectation	NOUN
fsr-3584	200	23	for	for	ADP
fsr-3584	200	24	the	the	DET
fsr-3584	200	25	economy	economy	NOUN
fsr-3584	200	26	(	(	PUNCT
fsr-3584	200	27	reference	reference	NOUN
fsr-3584	200	28	category	category	NOUN
fsr-3584	200	29	=	=	SYM
fsr-3584	200	30	better	well	ADJ
fsr-3584	200	31	)	)	PUNCT
fsr-3584	200	32	worse	bad	ADJ
fsr-3584	200	33	0.1426	0.1426	NUM
fsr-3584	201	1	0.1366	0.1366	NUM
fsr-3584	201	2	0.2966	0.2966	NUM
fsr-3584	202	1	1.1534	1.1534	NUM
fsr-3584	202	2	same	same	ADJ
fsr-3584	202	3	-0.1640	-0.1640	NOUN
fsr-3584	202	4	0.1217	0.1217	NUM
fsr-3584	202	5	0.1778	0.1778	NUM
fsr-3584	202	6	0.8488	0.8488	NUM
fsr-3584	202	7	life	life	NOUN
fsr-3584	202	8	expectancy	expectancy	NOUN
fsr-3584	202	9	for	for	ADP
fsr-3584	202	10	the	the	DET
fsr-3584	202	11	head	head	NOUN
fsr-3584	202	12	(	(	PUNCT
fsr-3584	202	13	reference	reference	NOUN
fsr-3584	202	14	category	category	NOUN
fsr-3584	202	15	=	=	PUNCT
fsr-3584	202	16	younger	young	ADJ
fsr-3584	202	17	than	than	ADP
fsr-3584	202	18	71	71	NUM
fsr-3584	202	19	years	year	NOUN
fsr-3584	202	20	)	)	PUNCT
fsr-3584	202	21	live	live	VERB
fsr-3584	202	22	to	to	ADP
fsr-3584	202	23	71	71	NUM
fsr-3584	202	24	-	-	SYM
fsr-3584	202	25	80	80	NUM
fsr-3584	202	26	years	year	NOUN
fsr-3584	202	27	-0.6340	-0.6340	VERB
fsr-3584	202	28	0.1473	0.1473	NUM
fsr-3584	202	29	<	<	X
fsr-3584	202	30	.0001	.0001	X
fsr-3584	202	31	0.5310	0.5310	NUM
fsr-3584	202	32	live	live	ADV
fsr-3584	202	33	to	to	ADP
fsr-3584	202	34	81	81	NUM
fsr-3584	202	35	years	year	NOUN
fsr-3584	202	36	or	or	CCONJ
fsr-3584	202	37	older	old	ADJ
fsr-3584	202	38	-0.4942	-0.4942	NOUN
fsr-3584	202	39	0.1428	0.1428	NUM
fsr-3584	202	40	0.0005	0.0005	NUM
fsr-3584	202	41	0.6106	0.6106	NUM
fsr-3584	202	42	household	household	NOUN
fsr-3584	202	43	type	type	NOUN
fsr-3584	202	44	(	(	PUNCT
fsr-3584	202	45	reference	reference	NOUN
fsr-3584	202	46	category	category	NOUN
fsr-3584	202	47	=	=	SYM
fsr-3584	202	48	married	married	ADJ
fsr-3584	202	49	)	)	PUNCT
fsr-3584	202	50	partnered	partner	VERB
fsr-3584	202	51	couple	couple	NOUN
fsr-3584	202	52	0.4441	0.4441	NUM
fsr-3584	202	53	0.1483	0.1483	NUM
fsr-3584	202	54	0.0028	0.0028	NUM
fsr-3584	202	55	1.5590	1.5590	NUM
fsr-3584	202	56	single	single	ADJ
fsr-3584	202	57	male	male	NOUN
fsr-3584	202	58	0.4381	0.4381	NUM
fsr-3584	203	1	0.1278	0.1278	NUM
fsr-3584	203	2	0.0006	0.0006	NUM
fsr-3584	203	3	1.5496	1.5496	NUM
fsr-3584	203	4	single	single	ADJ
fsr-3584	203	5	female	female	ADJ
fsr-3584	203	6	-0.0920	-0.0920	NOUN
fsr-3584	203	7	0.1414	0.1414	NUM
fsr-3584	203	8	0.5155	0.5155	NUM
fsr-3584	203	9	0.9118	0.9118	NUM
fsr-3584	203	10	financial	financial	ADJ
fsr-3584	203	11	services	service	NOUN
fsr-3584	203	12	review	review	NOUN
fsr-3584	203	13	,	,	PUNCT
fsr-3584	203	14	32(3	32(3	NUM
fsr-3584	203	15	)	)	PUNCT
fsr-3584	203	16	30	30	NUM
fsr-3584	203	17	variable	variable	ADJ
fsr-3584	203	18	coefficient	coefficient	NOUN
fsr-3584	203	19	standard	standard	ADJ
fsr-3584	203	20	error	error	NOUN
fsr-3584	203	21	chisquare	chisquare	NOUN
fsr-3584	203	22	p	p	NOUN
fsr-3584	203	23	value	value	NOUN
fsr-3584	203	24	odd	odd	ADJ
fsr-3584	203	25	ratio	ratio	NOUN
fsr-3584	203	26	spending	spending	NOUN
fsr-3584	203	27	relative	relative	ADJ
fsr-3584	203	28	to	to	ADP
fsr-3584	203	29	income	income	NOUN
fsr-3584	203	30	(	(	PUNCT
fsr-3584	203	31	reference	reference	NOUN
fsr-3584	203	32	category	category	NOUN
fsr-3584	203	33	=	=	PUNCT
fsr-3584	203	34	same	same	ADJ
fsr-3584	203	35	as	as	ADP
fsr-3584	203	36	income	income	NOUN
fsr-3584	203	37	)	)	PUNCT
fsr-3584	203	38	more	more	ADJ
fsr-3584	203	39	than	than	ADP
fsr-3584	203	40	income	income	VERB
fsr-3584	203	41	0.0193	0.0193	NUM
fsr-3584	203	42	0.1364	0.1364	NUM
fsr-3584	203	43	0.8873	0.8873	NUM
fsr-3584	203	44	1.0194	1.0194	NUM
fsr-3584	203	45	less	less	ADJ
fsr-3584	203	46	than	than	ADP
fsr-3584	203	47	income	income	NOUN
fsr-3584	203	48	-0.1022	-0.1022	NOUN
fsr-3584	203	49	0.1079	0.1079	NUM
fsr-3584	203	50	0.3435	0.3435	NUM
fsr-3584	203	51	0.9030	0.9030	NUM
fsr-3584	203	52	job	job	NOUN
fsr-3584	203	53	title	title	NOUN
fsr-3584	203	54	of	of	ADP
fsr-3584	203	55	the	the	DET
fsr-3584	203	56	head	head	NOUN
fsr-3584	203	57	(	(	PUNCT
fsr-3584	203	58	reference	reference	NOUN
fsr-3584	203	59	category	category	NOUN
fsr-3584	203	60	=	=	SYM
fsr-3584	203	61	transportation	transportation	NOUN
fsr-3584	203	62	)	)	PUNCT
fsr-3584	203	63	executive	executive	NOUN
fsr-3584	203	64	,	,	PUNCT
fsr-3584	203	65	admin	admin	ADJ
fsr-3584	203	66	,	,	PUNCT
fsr-3584	203	67	manager	manager	NOUN
fsr-3584	203	68	,	,	PUNCT
fsr-3584	203	69	teachers	teacher	NOUN
fsr-3584	203	70	0.0153	0.0153	NUM
fsr-3584	203	71	0.1663	0.1663	NUM
fsr-3584	203	72	0.9269	0.9269	NUM
fsr-3584	203	73	1.0156	1.0156	NUM
fsr-3584	203	74	engineer	engineer	NOUN
fsr-3584	203	75	,	,	PUNCT
fsr-3584	203	76	technician	technician	ADJ
fsr-3584	203	77	,	,	PUNCT
fsr-3584	203	78	office	office	NOUN
fsr-3584	203	79	-0.1116	-0.1116	VERB
fsr-3584	203	80	0.1810	0.1810	NUM
fsr-3584	203	81	0.5373	0.5373	NUM
fsr-3584	203	82	0.8946	0.8946	NUM
fsr-3584	203	83	protective	protective	ADJ
fsr-3584	203	84	and	and	CCONJ
fsr-3584	203	85	miscellaneous	miscellaneous	ADJ
fsr-3584	203	86	service	service	NOUN
fsr-3584	203	87	-0.0078	-0.0078	VERB
fsr-3584	204	1	0.1957	0.1957	NUM
fsr-3584	204	2	0.9681	0.9681	NUM
fsr-3584	204	3	0.9924	0.9924	NUM
fsr-3584	204	4	construction	construction	NOUN
fsr-3584	204	5	,	,	PUNCT
fsr-3584	204	6	production	production	NOUN
fsr-3584	204	7	,	,	PUNCT
fsr-3584	204	8	repair	repair	NOUN
fsr-3584	204	9	-0.0945	-0.0945	NOUN
fsr-3584	204	10	0.1776	0.1776	NUM
fsr-3584	204	11	0.5947	0.5947	NUM
fsr-3584	204	12	0.9102	0.9102	NUM
fsr-3584	204	13	farming	farming	NOUN
fsr-3584	204	14	,	,	PUNCT
fsr-3584	204	15	fishing	fishing	NOUN
fsr-3584	204	16	,	,	PUNCT
fsr-3584	204	17	forestry	forestry	NOUN
fsr-3584	204	18	0.3356	0.3356	NUM
fsr-3584	204	19	0.3036	0.3036	NOUN
fsr-3584	204	20	0.2689	0.2689	NUM
fsr-3584	204	21	1.3994	1.3994	NUM
fsr-3584	204	22	saving	saving	NOUN
fsr-3584	204	23	reasons	reason	NOUN
fsr-3584	204	24	(	(	PUNCT
fsr-3584	204	25	reference	reference	NOUN
fsr-3584	204	26	category	category	NOUN
fsr-3584	204	27	=	=	SYM
fsr-3584	204	28	other	other	ADJ
fsr-3584	204	29	saving	save	VERB
fsr-3584	204	30	reasons	reason	NOUN
fsr-3584	204	31	)	)	PUNCT
fsr-3584	204	32	can	can	AUX
fsr-3584	204	33	not	not	PART
fsr-3584	204	34	save	save	VERB
fsr-3584	204	35	0.5640	0.5640	NUM
fsr-3584	204	36	0.3596	0.3596	NUM
fsr-3584	204	37	0.1168	0.1168	NUM
fsr-3584	204	38	1.7576	1.7576	NUM
fsr-3584	204	39	retirement	retirement	NOUN
fsr-3584	204	40	-0.4483	-0.4483	NOUN
fsr-3584	204	41	0.0990	0.0990	NUM
fsr-3584	204	42	<	<	X
fsr-3584	204	43	.0001	.0001	X
fsr-3584	204	44	0.6386	0.6386	NUM
fsr-3584	204	45	investment	investment	NOUN
fsr-3584	204	46	-0.1483	-0.1483	NOUN
fsr-3584	204	47	0.3030	0.3030	NUM
fsr-3584	204	48	0.6246	0.6246	NUM
fsr-3584	204	49	0.8624	0.8624	NUM
fsr-3584	204	50	financial	financial	ADJ
fsr-3584	204	51	risk	risk	NOUN
fsr-3584	204	52	tolerance	tolerance	NOUN
fsr-3584	204	53	(	(	PUNCT
fsr-3584	204	54	reference	reference	NOUN
fsr-3584	204	55	category	category	NOUN
fsr-3584	204	56	=	=	PRON
fsr-3584	204	57	take	take	VERB
fsr-3584	204	58	no	no	DET
fsr-3584	204	59	risk	risk	NOUN
fsr-3584	204	60	)	)	PUNCT
fsr-3584	204	61	substantial	substantial	ADJ
fsr-3584	204	62	risk	risk	NOUN
fsr-3584	204	63	0.0659	0.0659	NUM
fsr-3584	204	64	0.1868	0.1868	NUM
fsr-3584	204	65	0.7243	0.7243	NUM
fsr-3584	204	66	1.0682	1.0682	NUM
fsr-3584	204	67	above	above	ADP
fsr-3584	204	68	average	average	ADJ
fsr-3584	204	69	-0.5841	-0.5841	NOUN
fsr-3584	204	70	0.1380	0.1380	NUM
fsr-3584	204	71	<	<	X
fsr-3584	204	72	.0001	.0001	X
fsr-3584	204	73	0.5574	0.5574	NUM
fsr-3584	204	74	average	average	ADJ
fsr-3584	204	75	-0.5562	-0.5562	NOUN
fsr-3584	204	76	0.1151	0.1151	NUM
fsr-3584	204	77	<	<	X
fsr-3584	204	78	.0001	.0001	X
fsr-3584	204	79	0.5736	0.5736	NUM
fsr-3584	204	80	year	year	NOUN
fsr-3584	204	81	=	=	SYM
fsr-3584	204	82	2019	2019	NUM
fsr-3584	204	83	0.0433	0.0433	NUM
fsr-3584	204	84	0.0890	0.0890	NUM
fsr-3584	204	85	0.6267	0.6267	NUM
fsr-3584	204	86	1.0444	1.0444	NUM
fsr-3584	204	87	intercept	intercept	NOUN
fsr-3584	204	88	0.6523	0.6523	NUM
fsr-3584	204	89	0.4981	0.4981	NUM
fsr-3584	204	90	0.1904	0.1904	NUM
fsr-3584	204	91	concordance	concordance	NOUN
fsr-3584	204	92	(	(	PUNCT
fsr-3584	204	93	averaged	average	VERB
fsr-3584	204	94	for	for	ADP
fsr-3584	204	95	5	5	NUM
fsr-3584	204	96	implicates	implicate	NOUN
fsr-3584	204	97	)	)	PUNCT
fsr-3584	204	98	73.48	73.48	NUM
fsr-3584	204	99	%	%	NOUN
fsr-3584	204	100	notes	note	NOUN
fsr-3584	204	101	.	.	PUNCT
fsr-3584	205	1	n	n	NOUN
fsr-3584	205	2	=	=	SYM
fsr-3584	205	3	4,607	4,607	NUM
fsr-3584	205	4	households	household	NOUN
fsr-3584	205	5	.	.	PUNCT
fsr-3584	206	1	unweighted	unweighte	VERB
fsr-3584	206	2	repeated	repeat	VERB
fsr-3584	206	3	-	-	PUNCT
fsr-3584	206	4	imputation	imputation	NOUN
fsr-3584	206	5	inference	inference	NOUN
fsr-3584	206	6	(	(	PUNCT
fsr-3584	206	7	rii	rii	NOUN
fsr-3584	206	8	)	)	PUNCT
fsr-3584	206	9	analysis	analysis	NOUN
fsr-3584	206	10	of	of	ADP
fsr-3584	206	11	combination	combination	NOUN
fsr-3584	206	12	of	of	ADP
fsr-3584	206	13	2016	2016	NUM
fsr-3584	206	14	and	and	CCONJ
fsr-3584	206	15	2019	2019	NUM
fsr-3584	206	16	survey	survey	NOUN
fsr-3584	206	17	of	of	ADP
fsr-3584	206	18	consumer	consumer	NOUN
fsr-3584	206	19	finances	finance	NOUN
fsr-3584	206	20	dataset	dataset	NOUN
fsr-3584	206	21	(	(	PUNCT
fsr-3584	206	22	scf	scf	PROPN
fsr-3584	206	23	)	)	PUNCT
fsr-3584	206	24	.	.	PUNCT
fsr-3584	207	1	references	reference	NOUN
fsr-3584	207	2	bhutta	bhutta	NOUN
fsr-3584	207	3	,	,	PUNCT
fsr-3584	207	4	n.	n.	NOUN
fsr-3584	207	5	,	,	PUNCT
fsr-3584	207	6	bricker	bricker	NOUN
fsr-3584	207	7	,	,	PUNCT
fsr-3584	207	8	j.	j.	PROPN
fsr-3584	207	9	,	,	PUNCT
fsr-3584	207	10	chang	chang	PROPN
fsr-3584	207	11	,	,	PUNCT
fsr-3584	207	12	a.	a.	PROPN
fsr-3584	207	13	c.	c.	PROPN
fsr-3584	207	14	,	,	PUNCT
fsr-3584	207	15	dettling	dettling	NOUN
fsr-3584	207	16	,	,	PUNCT
fsr-3584	207	17	l.	l.	PROPN
fsr-3584	207	18	j.	j.	PROPN
fsr-3584	207	19	,	,	PUNCT
fsr-3584	207	20	goodman	goodman	PROPN
fsr-3584	207	21	,	,	PUNCT
fsr-3584	207	22	s.	s.	PROPN
fsr-3584	207	23	,	,	PUNCT
fsr-3584	207	24	hsu	hsu	PROPN
fsr-3584	207	25	,	,	PUNCT
fsr-3584	207	26	j.	j.	PROPN
fsr-3584	207	27	w.	w.	PROPN
fsr-3584	207	28	,	,	PUNCT
fsr-3584	207	29	moore	moore	PROPN
fsr-3584	207	30	,	,	PUNCT
fsr-3584	207	31	k.	k.	PROPN
fsr-3584	207	32	b.	b.	PROPN
fsr-3584	207	33	,	,	PUNCT
fsr-3584	207	34	reber	reber	PROPN
fsr-3584	207	35	,	,	PUNCT
fsr-3584	207	36	s.	s.	PROPN
fsr-3584	207	37	,	,	PUNCT
fsr-3584	207	38	henriques	henrique	NOUN
fsr-3584	207	39	volz	volz	PROPN
fsr-3584	207	40	,	,	PUNCT
fsr-3584	207	41	a.	a.	PROPN
fsr-3584	207	42	,	,	PUNCT
fsr-3584	207	43	&	&	CCONJ
fsr-3584	207	44	windle	windle	PROPN
fsr-3584	207	45	,	,	PUNCT
fsr-3584	207	46	r.	r.	PROPN
fsr-3584	207	47	a.	a.	PROPN
fsr-3584	207	48	(	(	PUNCT
fsr-3584	207	49	2020	2020	NUM
fsr-3584	207	50	)	)	PUNCT
fsr-3584	207	51	.	.	PUNCT
fsr-3584	208	1	changes	change	NOUN
fsr-3584	208	2	in	in	ADP
fsr-3584	208	3	u.s	u.s	PROPN
fsr-3584	208	4	.	.	PROPN
fsr-3584	208	5	family	family	NOUN
fsr-3584	208	6	finances	finance	NOUN
fsr-3584	208	7	from	from	ADP
fsr-3584	208	8	2016	2016	NUM
fsr-3584	208	9	to	to	ADP
fsr-3584	208	10	2019	2019	NUM
fsr-3584	208	11	:	:	PUNCT
fsr-3584	208	12	evidence	evidence	NOUN
fsr-3584	208	13	from	from	ADP
fsr-3584	208	14	the	the	DET
fsr-3584	208	15	survey	survey	NOUN
fsr-3584	208	16	of	of	ADP
fsr-3584	208	17	consumer	consumer	NOUN
fsr-3584	208	18	finances	finance	NOUN
fsr-3584	208	19	.	.	PUNCT
fsr-3584	209	1	federal	federal	PROPN
fsr-3584	209	2	reserve	reserve	PROPN
fsr-3584	209	3	bulletin	bulletin	PROPN
fsr-3584	209	4	,	,	PUNCT
fsr-3584	209	5	106(5	106(5	NUM
fsr-3584	209	6	)	)	PUNCT
fsr-3584	209	7	,	,	PUNCT
fsr-3584	209	8	1	1	NUM
fsr-3584	209	9	-	-	SYM
fsr-3584	209	10	42	42	NUM
fsr-3584	209	11	.	.	PUNCT
fsr-3584	210	1	bovbjerg	bovbjerg	PROPN
fsr-3584	210	2	,	,	PUNCT
fsr-3584	210	3	b.	b.	PROPN
fsr-3584	210	4	d.	d.	PROPN
fsr-3584	210	5	(	(	PUNCT
fsr-3584	210	6	2010	2010	NUM
fsr-3584	210	7	)	)	PUNCT
fsr-3584	210	8	.	.	PUNCT
fsr-3584	211	1	401(k	401(k	NOUN
fsr-3584	211	2	)	)	PUNCT
fsr-3584	211	3	plans	plan	NOUN
fsr-3584	211	4	:	:	PUNCT
fsr-3584	211	5	policy	policy	NOUN
fsr-3584	211	6	changes	change	NOUN
fsr-3584	211	7	could	could	AUX
fsr-3584	211	8	reduce	reduce	VERB
fsr-3584	211	9	the	the	DET
fsr-3584	211	10	long	long	ADJ
fsr-3584	211	11	-	-	PUNCT
fsr-3584	211	12	term	term	NOUN
fsr-3584	211	13	effects	effect	NOUN
fsr-3584	211	14	of	of	ADP
fsr-3584	211	15	leakage	leakage	NOUN
fsr-3584	211	16	on	on	ADP
fsr-3584	211	17	workers	worker	NOUN
fsr-3584	211	18	’	’	PART
fsr-3584	211	19	retirement	retirement	NOUN
fsr-3584	211	20	savings	saving	NOUN
fsr-3584	211	21	.	.	PUNCT
fsr-3584	212	1	diane	diane	NOUN
fsr-3584	212	2	publishing	publishing	PROPN
fsr-3584	212	3	.	.	PUNCT
fsr-3584	213	1	braunstein	braunstein	PROPN
fsr-3584	213	2	s.	s.	PROPN
fsr-3584	213	3	,	,	PUNCT
fsr-3584	213	4	welch	welch	PROPN
fsr-3584	213	5	c.	c.	PROPN
fsr-3584	213	6	(	(	PUNCT
fsr-3584	213	7	2002	2002	NUM
fsr-3584	213	8	)	)	PUNCT
fsr-3584	213	9	.	.	PUNCT
fsr-3584	214	1	financial	financial	ADJ
fsr-3584	214	2	literacy	literacy	NOUN
fsr-3584	214	3	:	:	PUNCT
fsr-3584	214	4	an	an	DET
fsr-3584	214	5	overview	overview	NOUN
fsr-3584	214	6	of	of	ADP
fsr-3584	214	7	practice	practice	NOUN
fsr-3584	214	8	,	,	PUNCT
fsr-3584	214	9	research	research	NOUN
fsr-3584	214	10	,	,	PUNCT
fsr-3584	214	11	and	and	CCONJ
fsr-3584	214	12	policy	policy	NOUN
fsr-3584	214	13	.	.	PUNCT
fsr-3584	215	1	federal	federal	PROPN
fsr-3584	215	2	reserve	reserve	PROPN
fsr-3584	215	3	bulletin	bulletin	PROPN
fsr-3584	215	4	,	,	PUNCT
fsr-3584	215	5	88	88	NUM
fsr-3584	215	6	,	,	PUNCT
fsr-3584	215	7	445	445	NUM
fsr-3584	215	8	-	-	SYM
fsr-3584	215	9	457	457	NUM
fsr-3584	215	10	.	.	PUNCT
fsr-3584	216	1	burtless	burtless	NOUN
fsr-3584	216	2	,	,	PUNCT
fsr-3584	216	3	g.	g.	PROPN
fsr-3584	216	4	,	,	PUNCT
fsr-3584	216	5	&	&	CCONJ
fsr-3584	216	6	quinn	quinn	PROPN
fsr-3584	216	7	,	,	PUNCT
fsr-3584	216	8	j.	j.	PROPN
fsr-3584	216	9	f.	f.	PROPN
fsr-3584	216	10	(	(	PUNCT
fsr-3584	216	11	2002	2002	NUM
fsr-3584	216	12	)	)	PUNCT
fsr-3584	216	13	.	.	PUNCT
fsr-3584	217	1	is	be	AUX
fsr-3584	217	2	working	work	VERB
fsr-3584	217	3	longer	long	ADV
fsr-3584	217	4	the	the	DET
fsr-3584	217	5	answer	answer	NOUN
fsr-3584	217	6	for	for	ADP
fsr-3584	217	7	an	an	DET
fsr-3584	217	8	aging	age	VERB
fsr-3584	217	9	workforce	workforce	NOUN
fsr-3584	217	10	?	?	PUNCT
fsr-3584	218	1	working	work	VERB
fsr-3584	218	2	papers	paper	NOUN
fsr-3584	218	3	in	in	ADP
fsr-3584	218	4	economics	economic	NOUN
fsr-3584	218	5	,	,	PUNCT
fsr-3584	218	6	82	82	NUM
fsr-3584	218	7	,	,	PUNCT
fsr-3584	218	8	1	1	NUM
fsr-3584	218	9	-	-	SYM
fsr-3584	218	10	11	11	NUM
fsr-3584	218	11	.	.	PUNCT
fsr-3584	219	1	engelhardt	engelhardt	PROPN
fsr-3584	219	2	,	,	PUNCT
fsr-3584	219	3	g.	g.	PROPN
fsr-3584	219	4	v.	v.	PROPN
fsr-3584	219	5	(	(	PUNCT
fsr-3584	219	6	2002	2002	NUM
fsr-3584	219	7	)	)	PUNCT
fsr-3584	219	8	.	.	PUNCT
fsr-3584	220	1	pre	pre	ADJ
fsr-3584	220	2	-	-	ADJ
fsr-3584	220	3	retirement	retirement	ADJ
fsr-3584	220	4	lumpsum	lumpsum	NOUN
fsr-3584	220	5	pension	pension	NOUN
fsr-3584	220	6	distributions	distribution	NOUN
fsr-3584	220	7	and	and	CCONJ
fsr-3584	220	8	retirement	retirement	NOUN
fsr-3584	220	9	income	income	NOUN
fsr-3584	220	10	security	security	NOUN
fsr-3584	220	11	:	:	PUNCT
fsr-3584	220	12	evidence	evidence	NOUN
fsr-3584	220	13	from	from	ADP
fsr-3584	220	14	the	the	DET
fsr-3584	220	15	health	health	NOUN
fsr-3584	220	16	and	and	CCONJ
fsr-3584	220	17	retirement	retirement	NOUN
fsr-3584	220	18	study	study	NOUN
fsr-3584	220	19	.	.	PUNCT
fsr-3584	221	1	national	national	ADJ
fsr-3584	221	2	tax	tax	PROPN
fsr-3584	221	3	journal	journal	PROPN
fsr-3584	221	4	,	,	PUNCT
fsr-3584	221	5	55(4	55(4	NUM
fsr-3584	221	6	)	)	PUNCT
fsr-3584	221	7	,	,	PUNCT
fsr-3584	221	8	665	665	NUM
fsr-3584	221	9	-	-	SYM
fsr-3584	221	10	685	685	NUM
fsr-3584	221	11	.	.	PUNCT
fsr-3584	222	1	hanna	hanna	PROPN
fsr-3584	222	2	,	,	PUNCT
fsr-3584	222	3	s.	s.	PROPN
fsr-3584	222	4	d.	d.	PROPN
fsr-3584	222	5	,	,	PUNCT
fsr-3584	222	6	kim	kim	PROPN
fsr-3584	222	7	,	,	PUNCT
fsr-3584	222	8	k.	k.	PROPN
fsr-3584	222	9	t.	t.	PROPN
fsr-3584	222	10	,	,	PUNCT
fsr-3584	222	11	&	&	CCONJ
fsr-3584	222	12	lindamood	lindamood	PROPN
fsr-3584	222	13	,	,	PUNCT
fsr-3584	222	14	s.	s.	PROPN
fsr-3584	222	15	(	(	PUNCT
fsr-3584	222	16	2018	2018	NUM
fsr-3584	222	17	)	)	PUNCT
fsr-3584	222	18	.	.	PUNCT
fsr-3584	223	1	behind	behind	ADP
fsr-3584	223	2	the	the	DET
fsr-3584	223	3	numbers	number	NOUN
fsr-3584	223	4	:	:	PUNCT
fsr-3584	223	5	understanding	understand	VERB
fsr-3584	223	6	the	the	DET
fsr-3584	223	7	survey	survey	NOUN
fsr-3584	223	8	of	of	ADP
fsr-3584	223	9	consumer	consumer	NOUN
fsr-3584	223	10	finances	finance	NOUN
fsr-3584	223	11	.	.	PUNCT
fsr-3584	224	1	journal	journal	NOUN
fsr-3584	224	2	of	of	ADP
fsr-3584	224	3	financial	financial	ADJ
fsr-3584	224	4	counseling	counseling	NOUN
fsr-3584	224	5	and	and	CCONJ
fsr-3584	224	6	planning	planning	NOUN
fsr-3584	224	7	,	,	PUNCT
fsr-3584	224	8	29(2	29(2	NUM
fsr-3584	224	9	)	)	PUNCT
fsr-3584	224	10	,	,	PUNCT
fsr-3584	224	11	410	410	NUM
fsr-3584	224	12	-	-	SYM
fsr-3584	224	13	418	418	NUM
fsr-3584	224	14	.	.	PUNCT
fsr-3584	225	1	hanna	hanna	PROPN
fsr-3584	225	2	,	,	PUNCT
fsr-3584	225	3	s.	s.	PROPN
fsr-3584	225	4	d.	d.	PROPN
fsr-3584	225	5	,	,	PUNCT
fsr-3584	225	6	zhang	zhang	PROPN
fsr-3584	225	7	,	,	PUNCT
fsr-3584	225	8	l.	l.	PROPN
fsr-3584	225	9	,	,	PUNCT
fsr-3584	225	10	&	&	CCONJ
fsr-3584	225	11	kim	kim	PROPN
fsr-3584	225	12	,	,	PUNCT
fsr-3584	225	13	k.	k.	PROPN
fsr-3584	225	14	t.	t.	PROPN
fsr-3584	225	15	(	(	PUNCT
fsr-3584	225	16	2017	2017	NUM
fsr-3584	225	17	)	)	PUNCT
fsr-3584	225	18	.	.	PUNCT
fsr-3584	226	1	do	do	AUX
fsr-3584	226	2	worker	worker	NOUN
fsr-3584	226	3	expectations	expectation	NOUN
fsr-3584	226	4	of	of	ADP
fsr-3584	226	5	never	never	ADV
fsr-3584	226	6	retiring	retire	VERB
fsr-3584	226	7	indicate	indicate	VERB
fsr-3584	226	8	a	a	DET
fsr-3584	226	9	preference	preference	NOUN
fsr-3584	226	10	or	or	CCONJ
fsr-3584	226	11	an	an	DET
fsr-3584	226	12	inability	inability	NOUN
fsr-3584	226	13	to	to	PART
fsr-3584	226	14	plan	plan	VERB
fsr-3584	226	15	?	?	PUNCT
fsr-3584	227	1	journal	journal	NOUN
fsr-3584	227	2	of	of	ADP
fsr-3584	227	3	financial	financial	ADJ
fsr-3584	227	4	counseling	counseling	NOUN
fsr-3584	227	5	and	and	CCONJ
fsr-3584	227	6	planning	planning	NOUN
fsr-3584	227	7	,	,	PUNCT
fsr-3584	227	8	28(2	28(2	NUM
fsr-3584	227	9	)	)	PUNCT
fsr-3584	227	10	,	,	PUNCT
fsr-3584	227	11	268	268	NUM
fsr-3584	227	12	-	-	SYM
fsr-3584	227	13	284	284	NUM
fsr-3584	227	14	.	.	PUNCT
fsr-3584	228	1	hastings	hastings	PROPN
fsr-3584	228	2	,	,	PUNCT
fsr-3584	228	3	j.	j.	PROPN
fsr-3584	228	4	s.	s.	PROPN
fsr-3584	228	5	,	,	PUNCT
fsr-3584	228	6	madrian	madrian	PROPN
fsr-3584	228	7	,	,	PUNCT
fsr-3584	228	8	b.	b.	PROPN
fsr-3584	228	9	c.	c.	PROPN
fsr-3584	228	10	,	,	PUNCT
fsr-3584	228	11	&	&	CCONJ
fsr-3584	228	12	skimmyhorn	skimmyhorn	PROPN
fsr-3584	228	13	,	,	PUNCT
fsr-3584	228	14	w.	w.	PROPN
fsr-3584	228	15	l.	l.	PROPN
fsr-3584	228	16	(	(	PUNCT
fsr-3584	228	17	2013	2013	NUM
fsr-3584	228	18	)	)	PUNCT
fsr-3584	228	19	.	.	PUNCT
fsr-3584	229	1	financial	financial	ADJ
fsr-3584	229	2	literacy	literacy	NOUN
fsr-3584	229	3	,	,	PUNCT
fsr-3584	229	4	financial	financial	ADJ
fsr-3584	229	5	education	education	NOUN
fsr-3584	229	6	,	,	PUNCT
fsr-3584	229	7	and	and	CCONJ
fsr-3584	229	8	economic	economic	ADJ
fsr-3584	229	9	outcomes	outcome	NOUN
fsr-3584	229	10	.	.	PUNCT
fsr-3584	230	1	annual	annual	ADJ
fsr-3584	230	2	review	review	NOUN
fsr-3584	230	3	of	of	ADP
fsr-3584	230	4	economics	economic	NOUN
fsr-3584	230	5	,	,	PUNCT
fsr-3584	230	6	5(1	5(1	NUM
fsr-3584	230	7	)	)	PUNCT
fsr-3584	230	8	,	,	PUNCT
fsr-3584	230	9	347	347	NUM
fsr-3584	230	10	-	-	SYM
fsr-3584	230	11	373	373	NUM
fsr-3584	230	12	.	.	PUNCT
fsr-3584	231	1	huston	huston	PROPN
fsr-3584	231	2	,	,	PUNCT
fsr-3584	231	3	s.	s.	PROPN
fsr-3584	231	4	j.	j.	PROPN
fsr-3584	231	5	(	(	PUNCT
fsr-3584	231	6	2010	2010	NUM
fsr-3584	231	7	)	)	PUNCT
fsr-3584	231	8	.	.	PUNCT
fsr-3584	232	1	measuring	measure	VERB
fsr-3584	232	2	financial	financial	ADJ
fsr-3584	232	3	literacy	literacy	NOUN
fsr-3584	232	4	.	.	PUNCT
fsr-3584	233	1	journal	journal	NOUN
fsr-3584	233	2	of	of	ADP
fsr-3584	233	3	consumer	consumer	NOUN
fsr-3584	233	4	affairs	affair	NOUN
fsr-3584	233	5	,	,	PUNCT
fsr-3584	233	6	44(2	44(2	NOUN
fsr-3584	233	7	)	)	PUNCT
fsr-3584	233	8	,	,	PUNCT
fsr-3584	233	9	296	296	NUM
fsr-3584	233	10	-	-	SYM
fsr-3584	233	11	316	316	NUM
fsr-3584	233	12	.	.	PUNCT
fsr-3584	234	1	lee	lee	PROPN
fsr-3584	234	2	,	,	PUNCT
fsr-3584	234	3	s.	s.	PROPN
fsr-3584	234	4	t.	t.	PROPN
fsr-3584	234	5	,	,	PUNCT
fsr-3584	234	6	&	&	CCONJ
fsr-3584	234	7	hanna	hanna	PROPN
fsr-3584	234	8	,	,	PUNCT
fsr-3584	234	9	s.	s.	PROPN
fsr-3584	234	10	d.	d.	PROPN
fsr-3584	234	11	(	(	PUNCT
fsr-3584	234	12	2020	2020	NUM
fsr-3584	234	13	)	)	PUNCT
fsr-3584	234	14	.	.	PUNCT
fsr-3584	235	1	financial	financial	ADJ
fsr-3584	235	2	knowledge	knowledge	NOUN
fsr-3584	235	3	overconfidence	overconfidence	NOUN
fsr-3584	235	4	and	and	CCONJ
fsr-3584	235	5	early	early	ADJ
fsr-3584	235	6	withdrawals	withdrawal	NOUN
fsr-3584	235	7	from	from	ADP
fsr-3584	235	8	retirement	retirement	NOUN
fsr-3584	235	9	accounts	account	NOUN
fsr-3584	235	10	.	.	PUNCT
fsr-3584	236	1	zhang	zhang	PROPN
fsr-3584	236	2	et	et	PROPN
fsr-3584	236	3	al	al	PROPN
fsr-3584	236	4	.	.	PROPN
fsr-3584	236	5	31	31	NUM
fsr-3584	236	6	financial	financial	ADJ
fsr-3584	236	7	planning	planning	NOUN
fsr-3584	236	8	review	review	NOUN
fsr-3584	236	9	,	,	PUNCT
fsr-3584	236	10	3(2	3(2	NUM
fsr-3584	236	11	)	)	PUNCT
fsr-3584	236	12	,	,	PUNCT
fsr-3584	236	13	e1091	e1091	PROPN
fsr-3584	236	14	.	.	PUNCT
fsr-3584	237	1	https://doi.org/10.1002/cfp2.1091	https://doi.org/10.1002/cfp2.1091	PROPN
fsr-3584	237	2	.	.	PROPN
fsr-3584	237	3	lindamood	lindamood	PROPN
fsr-3584	237	4	,	,	PUNCT
fsr-3584	237	5	s.	s.	PROPN
fsr-3584	237	6	,	,	PUNCT
fsr-3584	237	7	hanna	hanna	PROPN
fsr-3584	237	8	,	,	PUNCT
fsr-3584	237	9	s.	s.	PROPN
fsr-3584	237	10	d.	d.	PROPN
fsr-3584	237	11	,	,	PUNCT
fsr-3584	237	12	&	&	CCONJ
fsr-3584	237	13	bi	bi	PROPN
fsr-3584	237	14	,	,	PUNCT
fsr-3584	237	15	l.	l.	PROPN
fsr-3584	237	16	(	(	PUNCT
fsr-3584	237	17	2007	2007	NUM
fsr-3584	237	18	)	)	PUNCT
fsr-3584	237	19	.	.	PUNCT
fsr-3584	238	1	using	use	VERB
fsr-3584	238	2	the	the	DET
fsr-3584	238	3	survey	survey	NOUN
fsr-3584	238	4	of	of	ADP
fsr-3584	238	5	consumer	consumer	NOUN
fsr-3584	238	6	finances	finance	NOUN
fsr-3584	238	7	:	:	PUNCT
fsr-3584	238	8	some	some	DET
fsr-3584	238	9	methodological	methodological	ADJ
fsr-3584	238	10	considerations	consideration	NOUN
fsr-3584	238	11	and	and	CCONJ
fsr-3584	238	12	issues	issue	NOUN
fsr-3584	238	13	.	.	PUNCT
fsr-3584	239	1	journal	journal	NOUN
fsr-3584	239	2	of	of	ADP
fsr-3584	239	3	consumer	consumer	NOUN
fsr-3584	239	4	affairs	affair	NOUN
fsr-3584	239	5	,	,	PUNCT
fsr-3584	239	6	41(2	41(2	NUM
fsr-3584	239	7	)	)	PUNCT
fsr-3584	239	8	,	,	PUNCT
fsr-3584	239	9	195	195	NUM
fsr-3584	239	10	-	-	SYM
fsr-3584	239	11	222	222	NUM
fsr-3584	239	12	.	.	PUNCT
fsr-3584	240	1	lusardi	lusardi	PROPN
fsr-3584	240	2	,	,	PUNCT
fsr-3584	240	3	a.	a.	PROPN
fsr-3584	240	4	,	,	PUNCT
fsr-3584	240	5	&	&	CCONJ
fsr-3584	240	6	mitchell	mitchell	PROPN
fsr-3584	240	7	,	,	PUNCT
fsr-3584	240	8	o.	o.	PROPN
fsr-3584	240	9	s.	s.	PROPN
fsr-3584	240	10	(	(	PUNCT
fsr-3584	240	11	2007	2007	NUM
fsr-3584	240	12	)	)	PUNCT
fsr-3584	240	13	.	.	PUNCT
fsr-3584	241	1	financial	financial	ADJ
fsr-3584	241	2	literacy	literacy	NOUN
fsr-3584	241	3	and	and	CCONJ
fsr-3584	241	4	retirement	retirement	NOUN
fsr-3584	241	5	planning	planning	NOUN
fsr-3584	241	6	:	:	PUNCT
fsr-3584	241	7	new	new	ADJ
fsr-3584	241	8	evidence	evidence	NOUN
fsr-3584	241	9	from	from	ADP
fsr-3584	241	10	the	the	DET
fsr-3584	241	11	rand	rand	NOUN
fsr-3584	241	12	american	american	PROPN
fsr-3584	241	13	life	life	PROPN
fsr-3584	241	14	panel	panel	PROPN
fsr-3584	241	15	.	.	PUNCT
fsr-3584	242	1	michigan	michigan	PROPN
fsr-3584	242	2	retirement	retirement	PROPN
fsr-3584	242	3	research	research	PROPN
fsr-3584	242	4	center	center	PROPN
fsr-3584	242	5	research	research	NOUN
fsr-3584	242	6	paper	paper	NOUN
fsr-3584	242	7	no	no	INTJ
fsr-3584	242	8	.	.	PUNCT
fsr-3584	243	1	wp	wp	PROPN
fsr-3584	243	2	,	,	PUNCT
fsr-3584	243	3	157	157	NUM
fsr-3584	243	4	.	.	PUNCT
fsr-3584	244	1	mandell	mandell	PROPN
fsr-3584	244	2	,	,	PUNCT
fsr-3584	244	3	l.	l.	PROPN
fsr-3584	244	4	,	,	PUNCT
fsr-3584	244	5	&	&	CCONJ
fsr-3584	244	6	klein	klein	PROPN
fsr-3584	244	7	,	,	PUNCT
fsr-3584	244	8	l.	l.	PROPN
fsr-3584	244	9	s.	s.	PROPN
fsr-3584	244	10	(	(	PUNCT
fsr-3584	244	11	2009	2009	NUM
fsr-3584	244	12	)	)	PUNCT
fsr-3584	244	13	.	.	PUNCT
fsr-3584	245	1	the	the	DET
fsr-3584	245	2	impact	impact	NOUN
fsr-3584	245	3	of	of	ADP
fsr-3584	245	4	financial	financial	ADJ
fsr-3584	245	5	literacy	literacy	NOUN
fsr-3584	245	6	education	education	NOUN
fsr-3584	245	7	on	on	ADP
fsr-3584	245	8	subsequent	subsequent	ADJ
fsr-3584	245	9	financial	financial	ADJ
fsr-3584	245	10	behavior	behavior	NOUN
fsr-3584	245	11	.	.	PUNCT
fsr-3584	246	1	journal	journal	PROPN
fsr-3584	246	2	of	of	ADP
fsr-3584	246	3	financial	financial	ADJ
fsr-3584	246	4	counseling	counseling	NOUN
fsr-3584	246	5	and	and	CCONJ
fsr-3584	246	6	planning	planning	NOUN
fsr-3584	246	7	,	,	PUNCT
fsr-3584	246	8	20(1	20(1	NUM
fsr-3584	246	9	)	)	PUNCT
fsr-3584	246	10	,	,	PUNCT
fsr-3584	246	11	10	10	NUM
fsr-3584	246	12	.	.	PUNCT
fsr-3584	246	13	montalto	montalto	PROPN
fsr-3584	246	14	,	,	PUNCT
fsr-3584	246	15	c.	c.	PROPN
fsr-3584	246	16	p.	p.	PROPN
fsr-3584	246	17	,	,	PUNCT
fsr-3584	246	18	&	&	CCONJ
fsr-3584	246	19	sung	sung	PROPN
fsr-3584	246	20	,	,	PUNCT
fsr-3584	246	21	j.	j.	PROPN
fsr-3584	246	22	(	(	PUNCT
fsr-3584	246	23	1996	1996	NUM
fsr-3584	246	24	)	)	PUNCT
fsr-3584	246	25	.	.	PUNCT
fsr-3584	247	1	multiple	multiple	ADJ
fsr-3584	247	2	imputation	imputation	NOUN
fsr-3584	247	3	in	in	ADP
fsr-3584	247	4	the	the	DET
fsr-3584	247	5	1992	1992	NUM
fsr-3584	247	6	survey	survey	NOUN
fsr-3584	247	7	of	of	ADP
fsr-3584	247	8	consumer	consumer	NOUN
fsr-3584	247	9	finances	finance	NOUN
fsr-3584	247	10	.	.	PUNCT
fsr-3584	248	1	journal	journal	NOUN
fsr-3584	248	2	of	of	ADP
fsr-3584	248	3	financial	financial	ADJ
fsr-3584	248	4	counseling	counseling	NOUN
fsr-3584	248	5	and	and	CCONJ
fsr-3584	248	6	planning	planning	NOUN
fsr-3584	248	7	,	,	PUNCT
fsr-3584	248	8	7	7	NUM
fsr-3584	248	9	,	,	PUNCT
fsr-3584	248	10	133–146	133–146	NUM
fsr-3584	248	11	.	.	PUNCT
fsr-3584	248	12	montalto	montalto	PROPN
fsr-3584	248	13	,	,	PUNCT
fsr-3584	248	14	c.	c.	PROPN
fsr-3584	248	15	p.	p.	PROPN
fsr-3584	248	16	&	&	CCONJ
fsr-3584	248	17	yuh	yuh	PROPN
fsr-3584	248	18	,	,	PUNCT
fsr-3584	248	19	y.	y.	PROPN
fsr-3584	248	20	(	(	PUNCT
fsr-3584	248	21	1998	1998	NUM
fsr-3584	248	22	)	)	PUNCT
fsr-3584	248	23	.	.	PUNCT
fsr-3584	249	1	estimation	estimation	NOUN
fsr-3584	249	2	of	of	ADP
fsr-3584	249	3	nonlinear	nonlinear	ADJ
fsr-3584	249	4	models	model	NOUN
fsr-3584	249	5	with	with	ADP
fsr-3584	249	6	multiply	multiply	ADV
fsr-3584	249	7	imputed	impute	VERB
fsr-3584	249	8	data	datum	NOUN
fsr-3584	249	9	.	.	PUNCT
fsr-3584	250	1	journal	journal	PROPN
fsr-3584	250	2	of	of	ADP
fsr-3584	250	3	financial	financial	ADJ
fsr-3584	250	4	counseling	counseling	NOUN
fsr-3584	250	5	and	and	CCONJ
fsr-3584	250	6	planning	planning	NOUN
fsr-3584	250	7	,	,	PUNCT
fsr-3584	250	8	9	9	NUM
fsr-3584	250	9	(	(	PUNCT
fsr-3584	250	10	1	1	NUM
fsr-3584	250	11	)	)	PUNCT
fsr-3584	250	12	,	,	PUNCT
fsr-3584	250	13	97	97	NUM
fsr-3584	250	14	-	-	SYM
fsr-3584	250	15	101	101	NUM
fsr-3584	250	16	.	.	PUNCT
fsr-3584	251	1	munnell	munnell	PROPN
fsr-3584	251	2	,	,	PUNCT
fsr-3584	251	3	a.	a.	PROPN
fsr-3584	251	4	,	,	PUNCT
fsr-3584	251	5	&	&	CCONJ
fsr-3584	251	6	webb	webb	PROPN
fsr-3584	251	7	,	,	PUNCT
fsr-3584	251	8	a.	a.	NOUN
fsr-3584	251	9	(	(	PUNCT
fsr-3584	251	10	2015	2015	NUM
fsr-3584	251	11	)	)	PUNCT
fsr-3584	251	12	.	.	PUNCT
fsr-3584	252	1	the	the	DET
fsr-3584	252	2	impact	impact	NOUN
fsr-3584	252	3	of	of	ADP
fsr-3584	252	4	leakages	leakage	NOUN
fsr-3584	252	5	from	from	ADP
fsr-3584	252	6	401(k	401(k	PROPN
fsr-3584	252	7	)	)	PUNCT
fsr-3584	252	8	s	s	PART
fsr-3584	252	9	and	and	CCONJ
fsr-3584	252	10	iras	ira	NOUN
fsr-3584	252	11	.	.	PUNCT
fsr-3584	253	1	center	center	NOUN
fsr-3584	253	2	for	for	ADP
fsr-3584	253	3	retirement	retirement	NOUN
fsr-3584	253	4	research	research	NOUN
fsr-3584	253	5	at	at	ADP
fsr-3584	253	6	boston	boston	PROPN
fsr-3584	253	7	college	college	PROPN
fsr-3584	253	8	,	,	PUNCT
fsr-3584	253	9	(	(	PUNCT
fsr-3584	253	10	152	152	NUM
fsr-3584	253	11	)	)	PUNCT
fsr-3584	253	12	.	.	PUNCT
fsr-3584	254	1	utkus	utkus	PROPN
fsr-3584	254	2	,	,	PUNCT
fsr-3584	254	3	stephen	stephen	PROPN
fsr-3584	254	4	p.	p.	PROPN
fsr-3584	254	5	,	,	PUNCT
fsr-3584	254	6	and	and	CCONJ
fsr-3584	254	7	jean	jean	PROPN
fsr-3584	254	8	a.	a.	PROPN
fsr-3584	254	9	young	young	PROPN
fsr-3584	254	10	.	.	PUNCT
fsr-3584	255	1	(	(	PUNCT
fsr-3584	255	2	2011	2011	NUM
fsr-3584	255	3	)	)	PUNCT
fsr-3584	255	4	financial	financial	ADJ
fsr-3584	255	5	literacy	literacy	NOUN
fsr-3584	255	6	and	and	CCONJ
fsr-3584	255	7	401(k	401(k	NOUN
fsr-3584	255	8	)	)	PUNCT
fsr-3584	255	9	loans	loan	NOUN
fsr-3584	255	10	.	.	PUNCT
fsr-3584	256	1	in	in	ADP
fsr-3584	256	2	financial	financial	ADJ
fsr-3584	256	3	literacy	literacy	NOUN
fsr-3584	256	4	:	:	PUNCT
fsr-3584	256	5	implications	implication	NOUN
fsr-3584	256	6	for	for	ADP
fsr-3584	256	7	retirement	retirement	NOUN
fsr-3584	256	8	security	security	NOUN
fsr-3584	256	9	and	and	CCONJ
fsr-3584	256	10	the	the	DET
fsr-3584	256	11	financial	financial	ADJ
fsr-3584	256	12	marketplace	marketplace	NOUN
fsr-3584	256	13	,	,	PUNCT
fsr-3584	256	14	edited	edit	VERB
fsr-3584	256	15	by	by	ADP
fsr-3584	256	16	olivia	olivia	PROPN
fsr-3584	256	17	s.	s.	PROPN
fsr-3584	256	18	mitchell	mitchell	PROPN
fsr-3584	256	19	and	and	CCONJ
fsr-3584	256	20	annamaria	annamaria	PROPN
fsr-3584	256	21	lusardi	lusardi	PROPN
fsr-3584	256	22	,	,	PUNCT
fsr-3584	256	23	pp	pp	X
fsr-3584	256	24	.	.	PUNCT
fsr-3584	257	1	59–75	59–75	NUM
fsr-3584	257	2	.	.	X
fsr-3584	257	3	oxford	oxford	PROPN
fsr-3584	257	4	university	university	PROPN
fsr-3584	257	5	press	press	NOUN
fsr-3584	257	6	.	.	PUNCT
fsr-3584	258	1	yuh	yuh	PROPN
fsr-3584	258	2	,	,	PUNCT
fsr-3584	258	3	y.	y.	PROPN
fsr-3584	258	4	,	,	PUNCT
fsr-3584	258	5	montalto	montalto	PROPN
fsr-3584	258	6	,	,	PUNCT
fsr-3584	258	7	c.	c.	PROPN
fsr-3584	258	8	p.	p.	PROPN
fsr-3584	258	9	,	,	PUNCT
fsr-3584	258	10	&	&	CCONJ
fsr-3584	258	11	hanna	hanna	PROPN
fsr-3584	258	12	,	,	PUNCT
fsr-3584	258	13	s.	s.	PROPN
fsr-3584	258	14	d.	d.	PROPN
fsr-3584	258	15	(	(	PUNCT
fsr-3584	258	16	1998	1998	NUM
fsr-3584	258	17	)	)	PUNCT
fsr-3584	258	18	.	.	PUNCT
fsr-3584	259	1	are	be	AUX
fsr-3584	259	2	americans	americans	PROPN
fsr-3584	259	3	prepared	prepare	VERB
fsr-3584	259	4	for	for	ADP
fsr-3584	259	5	retirement	retirement	NOUN
fsr-3584	259	6	?	?	PUNCT
fsr-3584	259	7	.	.	PUNCT
fsr-3584	260	1	journal	journal	PROPN
fsr-3584	260	2	of	of	ADP
fsr-3584	260	3	financial	financial	ADJ
fsr-3584	260	4	counseling	counseling	NOUN
fsr-3584	260	5	and	and	CCONJ
fsr-3584	260	6	planning	planning	NOUN
fsr-3584	260	7	,	,	PUNCT
fsr-3584	260	8	9(1	9(1	NUM
fsr-3584	260	9	)	)	PUNCT
fsr-3584	260	10	,	,	PUNCT
fsr-3584	260	11	1	1	NUM
fsr-3584	260	12	-	-	SYM
fsr-3584	260	13	12	12	NUM
fsr-3584	260	14	.	.	PUNCT
fsr-3584	261	1	zhang	zhang	PROPN
fsr-3584	261	2	,	,	PUNCT
fsr-3584	261	3	l.	l.	PROPN
fsr-3584	261	4	,	,	PUNCT
fsr-3584	261	5	&	&	CCONJ
fsr-3584	261	6	hanna	hanna	PROPN
fsr-3584	261	7	,	,	PUNCT
fsr-3584	261	8	s.	s.	PROPN
fsr-3584	261	9	d.	d.	PROPN
fsr-3584	261	10	(	(	PUNCT
fsr-3584	261	11	2011	2011	NUM
fsr-3584	261	12	)	)	PUNCT
fsr-3584	261	13	.	.	PUNCT
fsr-3584	262	1	the	the	DET
fsr-3584	262	2	determinants	determinant	NOUN
fsr-3584	262	3	of	of	ADP
fsr-3584	262	4	planned	plan	VERB
fsr-3584	262	5	retirement	retirement	NOUN
fsr-3584	262	6	age	age	NOUN
fsr-3584	262	7	.	.	PUNCT
fsr-3584	263	1	academy	academy	PROPN
fsr-3584	263	2	of	of	ADP
fsr-3584	263	3	financial	financial	ADJ
fsr-3584	263	4	services	service	NOUN
fsr-3584	263	5	proceedings	proceeding	NOUN
fsr-3584	263	6	.	.	PUNCT
fsr-3584	264	1	retrieved	retrieve	VERB
fsr-3584	264	2	from	from	ADP
fsr-3584	264	3	http://www.academyfinancial.org/resources	http://www.academyfinancial.org/resource	NOUN
fsr-3584	264	4	/documents	/document	NOUN
fsr-3584	264	5	/	/	SYM
fsr-3584	264	6	proceedings/2011	proceedings/2011	NOUN
fsr-3584	264	7	/	/	SYM
fsr-3584	264	8	g3	g3	NOUN
fsr-3584	264	9	-	-	PUNCT
fsr-3584	264	10	zhanghanna.pdf	zhanghanna.pdf	NOUN
fsr-3584	264	11	.	.	PUNCT
fsr-3584	265	1	http://www.academyfinancial.org/resources/documents/proceedings/2011/g3-zhang-hanna.pdf	http://www.academyfinancial.org/resources/documents/proceedings/2011/g3-zhang-hanna.pdf	NOUN
fsr-3584	265	2	http://www.academyfinancial.org/resources/documents/proceedings/2011/g3-zhang-hanna.pdf	http://www.academyfinancial.org/resources/documents/proceedings/2011/g3-zhang-hanna.pdf	NOUN
fsr-3584	265	3	http://www.academyfinancial.org/resources/documents/proceedings/2011/g3-zhang-hanna.pdf	http://www.academyfinancial.org/resources/documents/proceedings/2011/g3-zhang-hanna.pdf	NOUN