id	sid	tid	token	lemma	pos
fsr-3795	1	1	pii	pii	PROPN
fsr-3795	1	2	:	:	PUNCT
fsr-3795	1	3	s1057	s1057	NOUN
fsr-3795	1	4	-	-	PUNCT
fsr-3795	1	5	0810(96)90003	0810(96)90003	NUM
fsr-3795	1	6	-	-	PUNCT
fsr-3795	1	7	7	7	NUM
fsr-3795	1	8	financial	financial	ADJ
fsr-3795	1	9	services	service	NOUN
fsr-3795	1	10	review	review	NOUN
fsr-3795	1	11	,	,	PUNCT
fsr-3795	1	12	s(2	s(2	NOUN
fsr-3795	1	13	):	):	PUNCT
fsr-3795	1	14	87	87	NUM
fsr-3795	1	15	-	-	SYM
fsr-3795	1	16	99	99	NUM
fsr-3795	1	17	copyright	copyright	NOUN
fsr-3795	1	18	0	0	NUM
fsr-3795	1	19	1996	1996	NUM
fsr-3795	1	20	by	by	ADP
fsr-3795	1	21	jai	jai	PROPN
fsr-3795	1	22	press	press	PROPN
fsr-3795	1	23	inc	inc	PROPN
fsr-3795	1	24	.	.	PROPN
fsr-3795	1	25	issn	issn	PROPN
fsr-3795	1	26	:	:	PUNCT
fsr-3795	1	27	1057	1057	NUM
fsr-3795	1	28	-	-	SYM
fsr-3795	1	29	0810	0810	NUM
fsr-3795	1	30	all	all	DET
fsr-3795	1	31	rights	right	NOUN
fsr-3795	1	32	of	of	ADP
fsr-3795	1	33	reproduction	reproduction	NOUN
fsr-3795	1	34	in	in	ADP
fsr-3795	1	35	any	any	DET
fsr-3795	1	36	form	form	NOUN
fsr-3795	1	37	reserved	reserve	VERB
fsr-3795	1	38	.	.	PUNCT
fsr-3795	2	1	risk	risk	NOUN
fsr-3795	2	2	aversion	aversion	NOUN
fsr-3795	2	3	measures	measure	NOUN
fsr-3795	2	4	:	:	PUNCT
fsr-3795	2	5	comparing	compare	VERB
fsr-3795	2	6	attitudes	attitude	NOUN
fsr-3795	2	7	and	and	CCONJ
fsr-3795	2	8	asset	asset	NOUN
fsr-3795	2	9	allocation	allocation	NOUN
fsr-3795	2	10	diane	diane	PROPN
fsr-3795	2	11	k.	k.	PROPN
fsr-3795	2	12	schooley	schooley	PROPN
fsr-3795	2	13	debra	debra	PROPN
fsr-3795	2	14	drecnik	drecnik	PROPN
fsr-3795	2	15	worden	worden	PROPN
fsr-3795	2	16	households	household	NOUN
fsr-3795	2	17	’	'	PUNCT
fsr-3795	2	18	reported	report	VERB
fsr-3795	2	19	willingness	willingness	NOUN
fsr-3795	2	20	to	to	PART
fsr-3795	2	21	take	take	VERB
fsr-3795	2	22	financial	financial	ADJ
fsr-3795	2	23	risk	risk	NOUN
fsr-3795	2	24	is	be	AUX
fsr-3795	2	25	compured	compure	VERB
fsr-3795	2	26	to	to	ADP
fsr-3795	2	27	the	the	DET
fsr-3795	2	28	riskiness	riskiness	NOUN
fsr-3795	2	29	of	of	ADP
fsr-3795	2	30	their	their	PRON
fsr-3795	2	31	po	po	NOUN
fsr-3795	2	32	~	~	NOUN
fsr-3795	2	33	olios	olio	NOUN
fsr-3795	2	34	,	,	PUNCT
fsr-3795	2	35	measured	measure	VERB
fsr-3795	2	36	as	as	ADP
fsr-3795	2	37	risky	risky	ADJ
fsr-3795	2	38	assets	asset	NOUN
fsr-3795	2	39	to	to	ADP
fsr-3795	2	40	wealth	wealth	NOUN
fsr-3795	2	41	.	.	PUNCT
fsr-3795	3	1	overall	overall	ADV
fsr-3795	3	2	,	,	PUNCT
fsr-3795	3	3	their	their	PRON
fsr-3795	3	4	~or	~or	NOUN
fsr-3795	3	5	~	~	NOUN
fsr-3795	3	6	olio	olio	NOUN
fsr-3795	3	7	alio	alio	ADV
fsr-3795	3	8	~	~	NUM
fsr-3795	3	9	ations	ation	NOUN
fsr-3795	3	10	are	be	AUX
fsr-3795	3	11	reliable	reliable	ADJ
fsr-3795	3	12	indicators	indicator	NOUN
fsr-3795	3	13	of	of	ADP
fsr-3795	3	14	attitudes	attitude	NOUN
fsr-3795	3	15	toward	toward	ADP
fsr-3795	3	16	risk	risk	NOUN
fsr-3795	3	17	,	,	PUNCT
fsr-3795	3	18	demonstrating	demonstrate	VERB
fsr-3795	3	19	an	an	DET
fsr-3795	3	20	understanding	understanding	NOUN
fsr-3795	3	21	of	of	ADP
fsr-3795	3	22	their	their	PRON
fsr-3795	3	23	relative	relative	ADJ
fsr-3795	3	24	level	level	NOUN
fsr-3795	3	25	of	of	ADP
fsr-3795	3	26	risk	risk	NOUN
fsr-3795	3	27	taking	taking	NOUN
fsr-3795	3	28	.	.	PUNCT
fsr-3795	4	1	~u	~u	PUNCT
fsr-3795	4	2	~	~	SYM
fsr-3795	4	3	t	t	NOUN
fsr-3795	4	4	~	~	SYM
fsr-3795	4	5	variate	variate	NOUN
fsr-3795	4	6	regression	regression	NOUN
fsr-3795	4	7	analysis	analysis	NOUN
fsr-3795	4	8	using	use	VERB
fsr-3795	4	9	~lu	~lu	PROPN
fsr-3795	4	10	~	~	SYM
fsr-3795	4	11	t	t	X
fsr-3795	4	12	~	~	SYM
fsr-3795	4	13	pl~~	pl~~	NUM
fsr-3795	4	14	imputed	impute	VERB
fsr-3795	4	15	data	datum	NOUN
fsr-3795	4	16	from	from	ADP
fsr-3795	4	17	the	the	DET
fsr-3795	4	18	1989	1989	NUM
fsr-3795	4	19	survey	survey	NOUN
fsr-3795	4	20	of	of	ADP
fsr-3795	4	21	consumer	consumer	NOUN
fsr-3795	4	22	finances	finance	NOUN
fsr-3795	4	23	indicates	indicate	VERB
fsr-3795	4	24	that	that	SCONJ
fsr-3795	4	25	households	household	NOUN
fsr-3795	4	26	generally	generally	ADV
fsr-3795	4	27	exhibit	exhibit	VERB
fsr-3795	4	28	decreasing	decrease	VERB
fsr-3795	4	29	relative	relative	ADJ
fsr-3795	4	30	risk	risk	NOUN
fsr-3795	4	31	aversion	aversion	NOUN
fsr-3795	4	32	.	.	PUNCT
fsr-3795	5	1	further	far	ADV
fsr-3795	5	2	,	,	PUNCT
fsr-3795	5	3	investment	investment	NOUN
fsr-3795	5	4	in	in	ADP
fsr-3795	5	5	risky	risky	ADJ
fsr-3795	5	6	assets	asset	NOUN
fsr-3795	5	7	is	be	AUX
fsr-3795	5	8	significantly	significantly	ADV
fsr-3795	5	9	related	relate	VERB
fsr-3795	5	10	to	to	ADP
fsr-3795	5	11	socioeconomic	socioeconomic	ADJ
fsr-3795	5	12	factors	factor	NOUN
fsr-3795	5	13	,	,	PUNCT
fsr-3795	5	14	attitude	attitude	NOUN
fsr-3795	5	15	toward	toward	ADP
fsr-3795	5	16	risk	risk	NOUN
fsr-3795	5	17	taking	taking	NOUN
fsr-3795	5	18	,	,	PUNCT
fsr-3795	5	19	desire	desire	NOUN
fsr-3795	5	20	to	to	PART
fsr-3795	5	21	leave	leave	VERB
fsr-3795	5	22	an	an	DET
fsr-3795	5	23	estate	estate	NOUN
fsr-3795	5	24	,	,	PUNCT
fsr-3795	5	25	and	and	CCONJ
fsr-3795	5	26	expectations	expectation	NOUN
fsr-3795	5	27	about	about	ADP
fsr-3795	5	28	the	the	DET
fsr-3795	5	29	adequacy	adequacy	NOUN
fsr-3795	5	30	of	of	ADP
fsr-3795	5	31	social	social	ADJ
fsr-3795	5	32	security	security	NOUN
fsr-3795	5	33	and	and	CCONJ
fsr-3795	5	34	pension	pension	NOUN
fsr-3795	5	35	income	income	NOUN
fsr-3795	5	36	.	.	PUNCT
fsr-3795	6	1	i.	i.	PROPN
fsr-3795	6	2	introduction	introduction	PROPN
fsr-3795	6	3	individuals	individual	NOUN
fsr-3795	6	4	’	'	PUNCT
fsr-3795	6	5	risk	risk	NOUN
fsr-3795	6	6	preferences	preference	NOUN
fsr-3795	6	7	reflected	reflect	VERB
fsr-3795	6	8	in	in	ADP
fsr-3795	6	9	asset	asset	NOUN
fsr-3795	6	10	allocation	allocation	NOUN
fsr-3795	6	11	choices	choice	NOUN
fsr-3795	6	12	have	have	AUX
fsr-3795	6	13	been	be	AUX
fsr-3795	6	14	explored	explore	VERB
fsr-3795	6	15	extensively	extensively	ADV
fsr-3795	6	16	both	both	CCONJ
fsr-3795	6	17	theoretically	theoretically	ADV
fsr-3795	6	18	(	(	PUNCT
fsr-3795	6	19	arrow	arrow	NOUN
fsr-3795	6	20	,	,	PUNCT
fsr-3795	6	21	1965	1965	NUM
fsr-3795	6	22	,	,	PUNCT
fsr-3795	6	23	1971	1971	NUM
fsr-3795	6	24	;	;	PUNCT
fsr-3795	6	25	pratt	pratt	PROPN
fsr-3795	6	26	,	,	PUNCT
fsr-3795	6	27	1964	1964	NUM
fsr-3795	6	28	)	)	PUNCT
fsr-3795	6	29	and	and	CCONJ
fsr-3795	6	30	empirically	empirically	ADV
fsr-3795	6	31	(	(	PUNCT
fsr-3795	6	32	friend	friend	NOUN
fsr-3795	6	33	&	&	CCONJ
fsr-3795	6	34	blume	blume	PROPN
fsr-3795	6	35	,	,	PUNCT
fsr-3795	6	36	1975	1975	NUM
fsr-3795	6	37	;	;	PUNCT
fsr-3795	6	38	cohn	cohn	PROPN
fsr-3795	6	39	,	,	PUNCT
fsr-3795	6	40	lewellen	lewellen	NOUN
fsr-3795	6	41	,	,	PUNCT
fsr-3795	6	42	lease	lease	NOUN
fsr-3795	6	43	,	,	PUNCT
fsr-3795	6	44	&	&	CCONJ
fsr-3795	6	45	schlarbaum	schlarbaum	PROPN
fsr-3795	6	46	,	,	PUNCT
fsr-3795	6	47	1975	1975	NUM
fsr-3795	6	48	;	;	PUNCT
fsr-3795	6	49	siegel	siegel	PROPN
fsr-3795	6	50	&	&	CCONJ
fsr-3795	6	51	hoban	hoban	PROPN
fsr-3795	6	52	,	,	PUNCT
fsr-3795	6	53	1982	1982	NUM
fsr-3795	6	54	,	,	PUNCT
fsr-3795	6	55	1991	1991	NUM
fsr-3795	6	56	;	;	PUNCT
fsr-3795	6	57	riley	riley	PROPN
fsr-3795	6	58	&	&	CCONJ
fsr-3795	6	59	chow	chow	PROPN
fsr-3795	6	60	,	,	PUNCT
fsr-3795	6	61	1992	1992	NUM
fsr-3795	6	62	)	)	PUNCT
fsr-3795	6	63	.	.	PUNCT
fsr-3795	7	1	evidence	evidence	NOUN
fsr-3795	7	2	on	on	ADP
fsr-3795	7	3	how	how	SCONJ
fsr-3795	7	4	various	various	ADJ
fsr-3795	7	5	factors	factor	NOUN
fsr-3795	7	6	,	,	PUNCT
fsr-3795	7	7	especially	especially	ADV
fsr-3795	7	8	wealth	wealth	NOUN
fsr-3795	7	9	,	,	PUNCT
fsr-3795	7	10	impact	impact	NOUN
fsr-3795	7	11	risk	risk	NOUN
fsr-3795	7	12	aversion	aversion	NOUN
fsr-3795	7	13	is	be	AUX
fsr-3795	7	14	mixed	mixed	ADJ
fsr-3795	7	15	.	.	PUNCT
fsr-3795	8	1	this	this	DET
fsr-3795	8	2	study	study	NOUN
fsr-3795	8	3	affords	afford	VERB
fsr-3795	8	4	an	an	DET
fsr-3795	8	5	increased	increase	VERB
fsr-3795	8	6	understanding	understanding	NOUN
fsr-3795	8	7	of	of	ADP
fsr-3795	8	8	individuals	individual	NOUN
fsr-3795	8	9	’	'	PUNCT
fsr-3795	8	10	behavior	behavior	NOUN
fsr-3795	8	11	toward	toward	ADP
fsr-3795	8	12	risk	risk	NOUN
fsr-3795	8	13	-	-	PUNCT
fsr-3795	8	14	one	one	NUM
fsr-3795	8	15	of	of	ADP
fsr-3795	8	16	finance	finance	NOUN
fsr-3795	8	17	theory	theory	NOUN
fsr-3795	8	18	’s	’s	PART
fsr-3795	8	19	most	most	ADV
fsr-3795	8	20	fundamental	fundamental	ADJ
fsr-3795	8	21	concepts	concept	NOUN
fsr-3795	8	22	.	.	PUNCT
fsr-3795	9	1	the	the	DET
fsr-3795	9	2	first	first	ADJ
fsr-3795	9	3	hypothesis	hypothesis	NOUN
fsr-3795	9	4	examined	examine	VERB
fsr-3795	9	5	in	in	ADP
fsr-3795	9	6	this	this	DET
fsr-3795	9	7	study	study	NOUN
fsr-3795	9	8	is	be	AUX
fsr-3795	9	9	that	that	PRON
fsr-3795	9	10	relative	relative	ADJ
fsr-3795	9	11	risk	risk	NOUN
fsr-3795	9	12	aversion	aversion	NOUN
fsr-3795	9	13	(	(	PUNCT
fsr-3795	9	14	rra	rra	NOUN
fsr-3795	9	15	)	)	PUNCT
fsr-3795	9	16	calcu	calcu	NOUN
fsr-3795	9	17	lated	late	VERB
fsr-3795	9	18	from	from	ADP
fsr-3795	9	19	the	the	DET
fsr-3795	9	20	composition	composition	NOUN
fsr-3795	9	21	of	of	ADP
fsr-3795	9	22	a	a	DET
fsr-3795	9	23	household	household	NOUN
fsr-3795	9	24	’s	’s	PART
fsr-3795	9	25	portfolio	portfolio	NOUN
fsr-3795	9	26	and	and	CCONJ
fsr-3795	9	27	rra	rra	NOUN
fsr-3795	9	28	reported	report	VERB
fsr-3795	9	29	by	by	ADP
fsr-3795	9	30	the	the	DET
fsr-3795	9	31	househoid	househoid	NOUN
fsr-3795	9	32	in	in	ADP
fsr-3795	9	33	terms	term	NOUN
fsr-3795	9	34	of	of	ADP
fsr-3795	9	35	willingness	willingness	NOUN
fsr-3795	9	36	to	to	PART
fsr-3795	9	37	take	take	VERB
fsr-3795	9	38	ftnancial	ftnancial	ADJ
fsr-3795	9	39	risk	risk	NOUN
fsr-3795	9	40	are	be	AUX
fsr-3795	9	41	directiy	directiy	ADV
fsr-3795	9	42	related	relate	VERB
fsr-3795	9	43	and	and	CCONJ
fsr-3795	9	44	can	can	AUX
fsr-3795	9	45	be	be	AUX
fsr-3795	9	46	used	use	VERB
fsr-3795	9	47	inter	inter	NOUN
fsr-3795	9	48	changeably	changeably	ADV
fsr-3795	9	49	to	to	ADP
fsr-3795	9	50	proxy	proxy	ADJ
fsr-3795	9	51	risk	risk	NOUN
fsr-3795	9	52	aversion	aversion	NOUN
fsr-3795	9	53	.	.	PUNCT
fsr-3795	10	1	this	this	DET
fsr-3795	10	2	study	study	NOUN
fsr-3795	10	3	is	be	AUX
fsr-3795	10	4	the	the	DET
fsr-3795	10	5	first	first	ADJ
fsr-3795	10	6	to	to	PART
fsr-3795	10	7	compare	compare	VERB
fsr-3795	10	8	these	these	DET
fsr-3795	10	9	alternative	alternative	ADJ
fsr-3795	10	10	measures	measure	NOUN
fsr-3795	10	11	of	of	ADP
fsr-3795	10	12	relative	relative	ADJ
fsr-3795	10	13	risk	risk	NOUN
fsr-3795	10	14	aversion	aversion	NOUN
fsr-3795	10	15	.	.	PUNCT
fsr-3795	11	1	differences	difference	NOUN
fsr-3795	11	2	between	between	ADP
fsr-3795	11	3	the	the	DET
fsr-3795	11	4	two	two	NUM
fsr-3795	11	5	relative	relative	ADJ
fsr-3795	11	6	risk	risk	NOUN
fsr-3795	11	7	aversion	aversion	NOUN
fsr-3795	11	8	mea	mea	NOUN
fsr-3795	11	9	sures	sures	PROPN
fsr-3795	11	10	may	may	AUX
fsr-3795	11	11	indicate	indicate	VERB
fsr-3795	11	12	that	that	SCONJ
fsr-3795	11	13	some	some	DET
fsr-3795	11	14	individu	individu	NOUN
fsr-3795	11	15	~	~	NOUN
fsr-3795	11	16	s	s	AUX
fsr-3795	11	17	do	do	AUX
fsr-3795	11	18	not	not	PART
fsr-3795	11	19	understand	understand	VERB
fsr-3795	11	20	risk	risk	NOUN
fsr-3795	11	21	and	and	CCONJ
fsr-3795	11	22	therefore	therefore	ADV
fsr-3795	11	23	,	,	PUNCT
fsr-3795	11	24	may	may	AUX
fsr-3795	11	25	be	be	AUX
fsr-3795	11	26	taking	take	VERB
fsr-3795	11	27	more	more	ADJ
fsr-3795	11	28	or	or	CCONJ
fsr-3795	11	29	less	less	ADJ
fsr-3795	11	30	risk	risk	NOUN
fsr-3795	11	31	than	than	SCONJ
fsr-3795	11	32	they	they	PRON
fsr-3795	11	33	actually	actually	ADV
fsr-3795	11	34	desire	desire	VERB
fsr-3795	11	35	.	.	PUNCT
fsr-3795	12	1	the	the	DET
fsr-3795	12	2	movement	movement	NOUN
fsr-3795	12	3	to	to	ADP
fsr-3795	12	4	defined	define	VERB
fsr-3795	12	5	contribution	contribution	NOUN
fsr-3795	12	6	pension	pension	NOUN
fsr-3795	12	7	plans	plan	NOUN
fsr-3795	12	8	in	in	ADP
fsr-3795	12	9	recent	recent	ADJ
fsr-3795	12	10	years	year	NOUN
fsr-3795	12	11	has	have	AUX
fsr-3795	12	12	put	put	VERB
fsr-3795	12	13	many	many	ADJ
fsr-3795	12	14	individuals	individual	NOUN
fsr-3795	12	15	in	in	ADP
fsr-3795	12	16	the	the	DET
fsr-3795	12	17	position	position	NOUN
fsr-3795	12	18	of	of	ADP
fsr-3795	12	19	becoming	become	VERB
fsr-3795	12	20	portfo	portfo	ADJ
fsr-3795	12	21	diane	diane	PROPN
fsr-3795	12	22	k.	k.	PROPN
fsr-3795	12	23	schooley	schooley	PROPN
fsr-3795	12	24	l	l	PROPN
fsr-3795	12	25	associate	associate	NOUN
fsr-3795	12	26	professor	professor	NOUN
fsr-3795	12	27	of	of	ADP
fsr-3795	12	28	finance	finance	NOUN
fsr-3795	12	29	,	,	PUNCT
fsr-3795	12	30	boise	boise	PROPN
fsr-3795	12	31	state	state	PROPN
fsr-3795	12	32	university	university	PROPN
fsr-3795	12	33	,	,	PUNCT
fsr-3795	12	34	boise	boise	PROPN
fsr-3795	12	35	,	,	PUNCT
fsr-3795	12	36	i	i	PROPN
fsr-3795	12	37	d	d	PROPN
fsr-3795	12	38	83725	83725	NUM
fsr-3795	12	39	;	;	PUNCT
fsr-3795	12	40	e	e	X
fsr-3795	12	41	-	-	NOUN
fsr-3795	12	42	mail	mail	NOUN
fsr-3795	12	43	:	:	PUNCT
fsr-3795	12	44	rmkschoo@cobfac.idbsu.edu	rmkschoo@cobfac.idbsu.edu	NUM
fsr-3795	12	45	.	.	PUNCT
fsr-3795	13	1	debra	debra	PROPN
fsr-3795	13	2	drecnik	drecnik	PROPN
fsr-3795	13	3	worden	worden	PROPN
fsr-3795	13	4	l	l	PROPN
fsr-3795	13	5	assistant	assistant	NOUN
fsr-3795	13	6	professor	professor	NOUN
fsr-3795	13	7	of	of	ADP
fsr-3795	13	8	business	business	NOUN
fsr-3795	13	9	and	and	CCONJ
fsr-3795	13	10	economics	economic	NOUN
fsr-3795	13	11	,	,	PUNCT
fsr-3795	13	12	george	george	PROPN
fsr-3795	13	13	fox	fox	PROPN
fsr-3795	13	14	university	university	PROPN
fsr-3795	13	15	,	,	PUNCT
fsr-3795	13	16	newberg	newberg	PROPN
fsr-3795	13	17	,	,	PUNCT
fsr-3795	13	18	or	or	CCONJ
fsr-3795	13	19	97	97	NUM
fsr-3795	13	20	132	132	NUM
fsr-3795	13	21	-	-	SYM
fsr-3795	13	22	2697	2697	NUM
fsr-3795	13	23	;	;	PUNCT
fsr-3795	13	24	e	e	X
fsr-3795	13	25	-	-	NOUN
fsr-3795	13	26	mail	mail	NOUN
fsr-3795	13	27	:	:	PUNCT
fsr-3795	13	28	dwordeu	dwordeu	VERB
fsr-3795	13	29	~	~	SYM
fsr-3795	13	30	georgefox.edu	georgefox.edu	NOUN
fsr-3795	13	31	,	,	PUNCT
fsr-3795	13	32	88	88	NUM
fsr-3795	13	33	financial	financial	ADJ
fsr-3795	13	34	services	service	NOUN
fsr-3795	13	35	review	review	VERB
fsr-3795	13	36	5(2	5(2	NUM
fsr-3795	13	37	)	)	PUNCT
fsr-3795	13	38	1996	1996	NUM
fsr-3795	13	39	lio	lio	PROPN
fsr-3795	13	40	managers	manager	NOUN
fsr-3795	13	41	by	by	ADP
fsr-3795	13	42	requiring	require	VERB
fsr-3795	13	43	them	they	PRON
fsr-3795	13	44	to	to	PART
fsr-3795	13	45	make	make	VERB
fsr-3795	13	46	asset	asset	NOUN
fsr-3795	13	47	allocation	allocation	NOUN
fsr-3795	13	48	decisions	decision	NOUN
fsr-3795	13	49	.	.	PUNCT
fsr-3795	14	1	if	if	SCONJ
fsr-3795	14	2	investors	investor	NOUN
fsr-3795	14	3	do	do	AUX
fsr-3795	14	4	not	not	PART
fsr-3795	14	5	underst	underst	VERB
fsr-3795	14	6	~	~	PUNCT
fsr-3795	14	7	d	d	NOUN
fsr-3795	14	8	risk	risk	NOUN
fsr-3795	14	9	,	,	PUNCT
fsr-3795	14	10	the	the	DET
fsr-3795	14	11	studies	study	NOUN
fsr-3795	14	12	that	that	PRON
fsr-3795	14	13	use	use	VERB
fsr-3795	14	14	investors	investor	NOUN
fsr-3795	14	15	’	’	PART
fsr-3795	14	16	asset	asset	NOUN
fsr-3795	14	17	allocations	allocation	NOUN
fsr-3795	14	18	to	to	PART
fsr-3795	14	19	measure	measure	VERB
fsr-3795	14	20	risk	risk	NOUN
fsr-3795	14	21	aversion	aversion	NOUN
fsr-3795	14	22	may	may	AUX
fsr-3795	14	23	not	not	PART
fsr-3795	14	24	actually	actually	ADV
fsr-3795	14	25	measure	measure	VERB
fsr-3795	14	26	attitude	attitude	NOUN
fsr-3795	14	27	toward	toward	ADP
fsr-3795	14	28	risk	risk	NOUN
fsr-3795	14	29	.	.	PUNCT
fsr-3795	15	1	the	the	DET
fsr-3795	15	2	comparison	comparison	NOUN
fsr-3795	15	3	of	of	ADP
fsr-3795	15	4	rra	rra	NOUN
fsr-3795	15	5	calculated	calculate	VERB
fsr-3795	15	6	from	from	ADP
fsr-3795	15	7	asset	asset	NOUN
fsr-3795	15	8	allocation	allocation	NOUN
fsr-3795	15	9	to	to	ADP
fsr-3795	15	10	reported	report	VERB
fsr-3795	15	11	rra	rra	NOUN
fsr-3795	15	12	will	will	AUX
fsr-3795	15	13	increase	increase	VERB
fsr-3795	15	14	the	the	DET
fsr-3795	15	15	understanding	understanding	NOUN
fsr-3795	15	16	of	of	ADP
fsr-3795	15	17	how	how	SCONJ
fsr-3795	15	18	individuals	individual	NOUN
fsr-3795	15	19	deter	deter	VERB
fsr-3795	15	20	mine	mine	PRON
fsr-3795	15	21	their	their	PRON
fsr-3795	15	22	portfolio	portfolio	NOUN
fsr-3795	15	23	risk	risk	NOUN
fsr-3795	15	24	,	,	PUNCT
fsr-3795	15	25	thereby	thereby	ADV
fsr-3795	15	26	improving	improve	VERB
fsr-3795	15	27	financial	financial	ADJ
fsr-3795	15	28	and	and	CCONJ
fsr-3795	15	29	retirement	retirement	NOUN
fsr-3795	15	30	planning	planning	NOUN
fsr-3795	15	31	decisions	decision	NOUN
fsr-3795	15	32	and	and	CCONJ
fsr-3795	15	33	investor	investor	NOUN
fsr-3795	15	34	education	education	NOUN
fsr-3795	15	35	.	.	PUNCT
fsr-3795	16	1	in	in	ADP
fsr-3795	16	2	addition	addition	NOUN
fsr-3795	16	3	to	to	ADP
fsr-3795	16	4	comparing	compare	VERB
fsr-3795	16	5	rra	rra	NOUN
fsr-3795	16	6	measures	measure	NOUN
fsr-3795	16	7	,	,	PUNCT
fsr-3795	16	8	this	this	DET
fsr-3795	16	9	study	study	NOUN
fsr-3795	16	10	examines	examine	VERB
fsr-3795	16	11	the	the	DET
fsr-3795	16	12	factors	factor	NOUN
fsr-3795	16	13	that	that	PRON
fsr-3795	16	14	may	may	AUX
fsr-3795	16	15	explain	explain	VERB
fsr-3795	16	16	variations	variation	NOUN
fsr-3795	16	17	across	across	ADP
fsr-3795	16	18	households	household	NOUN
fsr-3795	16	19	’	'	PUNCT
fsr-3795	16	20	rras	rra	NOUN
fsr-3795	16	21	calculated	calculate	VERB
fsr-3795	16	22	from	from	ADP
fsr-3795	16	23	asset	asset	NOUN
fsr-3795	16	24	allocation	allocation	NOUN
fsr-3795	16	25	.	.	PUNCT
fsr-3795	17	1	the	the	DET
fsr-3795	17	2	second	second	ADJ
fsr-3795	17	3	hypothesis	hypothesis	NOUN
fsr-3795	17	4	is	be	AUX
fsr-3795	17	5	that	that	SCONJ
fsr-3795	17	6	rra	rra	NOUN
fsr-3795	17	7	calculated	calculate	VERB
fsr-3795	17	8	from	from	ADP
fsr-3795	17	9	a	a	DET
fsr-3795	17	10	household	household	NOUN
fsr-3795	17	11	’s	’s	PART
fsr-3795	17	12	portfolio	portfolio	NOUN
fsr-3795	17	13	is	be	AUX
fsr-3795	17	14	related	relate	VERB
fsr-3795	17	15	to	to	ADP
fsr-3795	17	16	its	its	PRON
fsr-3795	17	17	wealth	wealth	NOUN
fsr-3795	17	18	,	,	PUNCT
fsr-3795	17	19	income	income	NOUN
fsr-3795	17	20	,	,	PUNCT
fsr-3795	17	21	full	full	ADJ
fsr-3795	17	22	-	-	PUNCT
fsr-3795	17	23	time	time	NOUN
fsr-3795	17	24	employment	employment	NOUN
fsr-3795	17	25	,	,	PUNCT
fsr-3795	17	26	race	race	NOUN
fsr-3795	17	27	,	,	PUNCT
fsr-3795	17	28	gender	gender	NOUN
fsr-3795	17	29	,	,	PUNCT
fsr-3795	17	30	stage	stage	NOUN
fsr-3795	17	31	of	of	ADP
fsr-3795	17	32	life	life	NOUN
fsr-3795	17	33	cycle	cycle	NOUN
fsr-3795	17	34	,	,	PUNCT
fsr-3795	17	35	attitude	attitude	NOUN
fsr-3795	17	36	toward	toward	ADP
fsr-3795	17	37	risk	risk	NOUN
fsr-3795	17	38	taking	taking	NOUN
fsr-3795	17	39	,	,	PUNCT
fsr-3795	17	40	desire	desire	NOUN
fsr-3795	17	41	to	to	PART
fsr-3795	17	42	leave	leave	VERB
fsr-3795	17	43	an	an	DET
fsr-3795	17	44	estate	estate	NOUN
fsr-3795	17	45	,	,	PUNCT
fsr-3795	17	46	and	and	CCONJ
fsr-3795	17	47	its	its	PRON
fsr-3795	17	48	expectations	expectation	NOUN
fsr-3795	17	49	about	about	ADP
fsr-3795	17	50	the	the	DET
fsr-3795	17	51	economy	economy	NOUN
fsr-3795	17	52	and	and	CCONJ
fsr-3795	17	53	the	the	DET
fsr-3795	17	54	adequacy	adequacy	NOUN
fsr-3795	17	55	of	of	ADP
fsr-3795	17	56	social	social	ADJ
fsr-3795	17	57	security	security	NOUN
fsr-3795	17	58	and	and	CCONJ
fsr-3795	17	59	pension	pension	NOUN
fsr-3795	17	60	income	income	NOUN
fsr-3795	17	61	for	for	ADP
fsr-3795	17	62	maintaining	maintain	VERB
fsr-3795	17	63	a	a	DET
fsr-3795	17	64	standard	standard	NOUN
fsr-3795	17	65	of	of	ADP
fsr-3795	17	66	living	live	VERB
fsr-3795	17	67	after	after	ADP
fsr-3795	17	68	retirement	retirement	NOUN
fsr-3795	17	69	.	.	PUNCT
fsr-3795	18	1	theory	theory	NOUN
fsr-3795	18	2	and	and	CCONJ
fsr-3795	18	3	a	a	DET
fsr-3795	18	4	review	review	NOUN
fsr-3795	18	5	of	of	ADP
fsr-3795	18	6	the	the	DET
fsr-3795	18	7	literature	literature	NOUN
fsr-3795	18	8	are	be	AUX
fsr-3795	18	9	discussed	discuss	VERB
fsr-3795	18	10	next	next	ADV
fsr-3795	18	11	.	.	PUNCT
fsr-3795	19	1	section	section	NOUN
fsr-3795	19	2	iii	iii	PROPN
fsr-3795	19	3	explains	explain	VERB
fsr-3795	19	4	the	the	DET
fsr-3795	19	5	data	datum	NOUN
fsr-3795	19	6	set	set	VERB
fsr-3795	19	7	and	and	CCONJ
fsr-3795	19	8	variables	variable	NOUN
fsr-3795	19	9	.	.	PUNCT
fsr-3795	20	1	the	the	DET
fsr-3795	20	2	examination	examination	NOUN
fsr-3795	20	3	of	of	ADP
fsr-3795	20	4	the	the	DET
fsr-3795	20	5	relationship	relationship	NOUN
fsr-3795	20	6	between	between	ADP
fsr-3795	20	7	calculated	calculate	VERB
fsr-3795	20	8	and	and	CCONJ
fsr-3795	20	9	reported	report	VERB
fsr-3795	20	10	rel	rel	NOUN
fsr-3795	20	11	ative	ative	ADJ
fsr-3795	20	12	risk	risk	NOUN
fsr-3795	20	13	aversion	aversion	NOUN
fsr-3795	20	14	is	be	AUX
fsr-3795	20	15	presented	present	VERB
fsr-3795	20	16	in	in	ADP
fsr-3795	20	17	section	section	NOUN
fsr-3795	20	18	iv	iv	NUM
fsr-3795	20	19	and	and	CCONJ
fsr-3795	20	20	the	the	DET
fsr-3795	20	21	determination	determination	NOUN
fsr-3795	20	22	of	of	ADP
fsr-3795	20	23	household	household	NOUN
fsr-3795	20	24	relative	relative	ADJ
fsr-3795	20	25	risk	risk	NOUN
fsr-3795	20	26	aversion	aversion	NOUN
fsr-3795	20	27	is	be	AUX
fsr-3795	20	28	discussed	discuss	VERB
fsr-3795	20	29	in	in	ADP
fsr-3795	20	30	section	section	NOUN
fsr-3795	20	31	v.	v.	ADP
fsr-3795	20	32	section	section	PROPN
fsr-3795	20	33	vi	vi	PROPN
fsr-3795	20	34	contains	contain	VERB
fsr-3795	20	35	the	the	DET
fsr-3795	20	36	summary	summary	NOUN
fsr-3795	20	37	and	and	CCONJ
fsr-3795	20	38	conclusions	conclusion	NOUN
fsr-3795	20	39	.	.	PUNCT
fsr-3795	21	1	ii	ii	PROPN
fsr-3795	21	2	.	.	PROPN
fsr-3795	21	3	theory	theory	PROPN
fsr-3795	21	4	and	and	CCONJ
fsr-3795	21	5	literature	literature	PROPN
fsr-3795	21	6	review	review	VERB
fsr-3795	21	7	the	the	DET
fsr-3795	21	8	model	model	NOUN
fsr-3795	21	9	used	use	VERB
fsr-3795	21	10	here	here	ADV
fsr-3795	21	11	follows	follow	VERB
fsr-3795	21	12	friend	friend	NOUN
fsr-3795	21	13	and	and	CCONJ
fsr-3795	21	14	blume	blume	PROPN
fsr-3795	21	15	(	(	PUNCT
fsr-3795	21	16	1973	1973	NUM
fsr-3795	21	17	,	,	PUNCT
fsr-3795	21	18	who	who	PRON
fsr-3795	21	19	estimate	estimate	VERB
fsr-3795	21	20	rra	rra	NOUN
fsr-3795	21	21	by	by	ADP
fsr-3795	21	22	maximizing	maximize	VERB
fsr-3795	21	23	an	an	DET
fsr-3795	21	24	investor	investor	NOUN
fsr-3795	21	25	’s	’s	PART
fsr-3795	21	26	expected	expect	VERB
fsr-3795	21	27	utility	utility	NOUN
fsr-3795	21	28	function	function	NOUN
fsr-3795	21	29	using	use	VERB
fsr-3795	21	30	a	a	DET
fsr-3795	21	31	taylor	taylor	PROPN
fsr-3795	21	32	series	series	NOUN
fsr-3795	21	33	expansion	expansion	NOUN
fsr-3795	21	34	.	.	PUNCT
fsr-3795	22	1	they	they	PRON
fsr-3795	22	2	define	define	VERB
fsr-3795	22	3	the	the	DET
fsr-3795	22	4	proportion	proportion	NOUN
fsr-3795	22	5	of	of	ADP
fsr-3795	22	6	an	an	DET
fsr-3795	22	7	investor	investor	NOUN
fsr-3795	22	8	’s	’s	PART
fsr-3795	22	9	portfolio	portfolio	NOUN
fsr-3795	22	10	invested	invest	VERB
fsr-3795	22	11	in	in	ADP
fsr-3795	22	12	risky	risky	ADJ
fsr-3795	22	13	assets	asset	NOUN
fsr-3795	22	14	(	(	PUNCT
fsr-3795	22	15	a	a	X
fsr-3795	22	16	)	)	PUNCT
fsr-3795	22	17	as	as	ADP
fsr-3795	22	18	:	:	PUNCT
fsr-3795	22	19	w	w	X
fsr-3795	22	20	,	,	PUNCT
fsr-3795	22	21	r-1	r-1	VERB
fsr-3795	22	22	*	*	PUNCT
fsr-3795	22	23	1	1	NUM
fsr-3795	22	24	h	h	NOUN
fsr-3795	22	25	a=	a=	ADV
fsr-3795	22	26	-	-	PUNCT
fsr-3795	22	27	02(r	02(r	NOUN
fsr-3795	22	28	,	,	PUNCT
fsr-3795	22	29	x	x	X
fsr-3795	22	30	)	)	PUNCT
fsr-3795	22	31	(	(	PUNCT
fsr-3795	22	32	1	1	NUM
fsr-3795	22	33	-	-	PUNCT
fsr-3795	22	34	l)(l	l)(l	NOUN
fsr-3795	22	35	-	-	PUNCT
fsr-3795	22	36	h)c	h)c	NOUN
fsr-3795	22	37	l	l	NOUN
fsr-3795	22	38	-	-	NOUN
fsr-3795	22	39	h	h	NOUN
fsr-3795	22	40	*	*	PUNCT
fsr-3795	22	41	ph	ph	PROPN
fsr-3795	22	42	,	,	PUNCT
fsr-3795	22	43	m	m	VERB
fsr-3795	22	44	(	(	PUNCT
fsr-3795	22	45	1	1	NUM
fsr-3795	22	46	)	)	PUNCT
fsr-3795	22	47	where	where	SCONJ
fsr-3795	22	48	r	r	NOUN
fsr-3795	22	49	,	,	PUNCT
fsr-3795	22	50	is	be	AUX
fsr-3795	22	51	the	the	DET
fsr-3795	22	52	return	return	NOUN
fsr-3795	22	53	on	on	ADP
fsr-3795	22	54	the	the	DET
fsr-3795	22	55	market	market	NOUN
fsr-3795	22	56	portfolio	portfolio	NOUN
fsr-3795	22	57	of	of	ADP
fsr-3795	22	58	all	all	DET
fsr-3795	22	59	risky	risky	ADJ
fsr-3795	22	60	assets	asset	NOUN
fsr-3795	22	61	;	;	PUNCT
fsr-3795	22	62	r	r	X
fsr-3795	22	63	-	-	PUNCT
fsr-3795	22	64	is	be	AUX
fsr-3795	22	65	the	the	DET
fsr-3795	22	66	return	return	NOUN
fsr-3795	22	67	on	on	ADP
fsr-3795	22	68	the	the	DET
fsr-3795	22	69	risk	risk	NOUN
fsr-3795	22	70	-	-	PUNCT
fsr-3795	22	71	free	free	ADJ
fsr-3795	22	72	asset	asset	NOUN
fsr-3795	22	73	;	;	PUNCT
fsr-3795	22	74	t	t	PROPN
fsr-3795	22	75	is	be	AUX
fsr-3795	22	76	the	the	DET
fsr-3795	22	77	investor	investor	NOUN
fsr-3795	22	78	’s	’s	PART
fsr-3795	22	79	tax	tax	NOUN
fsr-3795	22	80	rate	rate	NOUN
fsr-3795	22	81	;	;	PUNCT
fsr-3795	22	82	h	h	NOUN
fsr-3795	22	83	is	be	AUX
fsr-3795	22	84	the	the	DET
fsr-3795	22	85	ratio	ratio	NOUN
fsr-3795	22	86	of	of	ADP
fsr-3795	22	87	investor	investor	NOUN
fsr-3795	22	88	’s	’s	PART
fsr-3795	22	89	human	human	ADJ
fsr-3795	22	90	capital	capital	NOUN
fsr-3795	22	91	to	to	ADP
fsr-3795	22	92	his	his	PRON
fsr-3795	22	93	total	total	ADJ
fsr-3795	22	94	wealth	wealth	NOUN
fsr-3795	22	95	;	;	PUNCT
fsr-3795	22	96	8	8	NUM
fsr-3795	22	97	,	,	PUNCT
fsr-3795	22	98	n	n	PRON
fsr-3795	22	99	is	be	AUX
fsr-3795	22	100	the	the	DET
fsr-3795	22	101	ratio	ratio	NOUN
fsr-3795	22	102	of	of	ADP
fsr-3795	22	103	the	the	DET
fsr-3795	22	104	covariance	covariance	NOUN
fsr-3795	22	105	of	of	ADP
fsr-3795	22	106	rm	rm	PROPN
fsr-3795	22	107	and	and	CCONJ
fsr-3795	22	108	rh	rh	PROPN
fsr-3795	22	109	(	(	PUNCT
fsr-3795	22	110	the	the	DET
fsr-3795	22	111	return	return	NOUN
fsr-3795	22	112	on	on	ADP
fsr-3795	22	113	human	human	ADJ
fsr-3795	22	114	capital	capital	NOUN
fsr-3795	22	115	)	)	PUNCT
fsr-3795	22	116	to	to	ADP
fsr-3795	22	117	0	0	NUM
fsr-3795	22	118	,	,	PUNCT
fsr-3795	22	119	‘	'	PUNCT
fsr-3795	22	120	;	;	PUNCT
fsr-3795	22	121	and	and	CCONJ
fsr-3795	22	122	c	c	NOUN
fsr-3795	22	123	is	be	AUX
fsr-3795	22	124	pratt	pratt	PROPN
fsr-3795	22	125	’s	’s	PART
fsr-3795	22	126	measure	measure	NOUN
fsr-3795	22	127	of	of	ADP
fsr-3795	22	128	relative	relative	ADJ
fsr-3795	22	129	risk	risk	NOUN
fsr-3795	22	130	aversion	aversion	NOUN
fsr-3795	22	131	:	:	PUNCT
fsr-3795	22	132	because	because	SCONJ
fsr-3795	22	133	beta	beta	NOUN
fsr-3795	22	134	is	be	AUX
fsr-3795	22	135	estimated	estimate	VERB
fsr-3795	22	136	from	from	ADP
fsr-3795	22	137	time	time	NOUN
fsr-3795	22	138	-	-	PUNCT
fsr-3795	22	139	series	series	NOUN
fsr-3795	22	140	data	datum	NOUN
fsr-3795	22	141	to	to	PART
fsr-3795	22	142	be	be	AUX
fsr-3795	22	143	close	close	ADJ
fsr-3795	22	144	to	to	ADP
fsr-3795	22	145	zero	zero	NUM
fsr-3795	22	146	(	(	PUNCT
fsr-3795	22	147	fama	fama	PROPN
fsr-3795	22	148	&	&	CCONJ
fsr-3795	22	149	schwert	schwert	PROPN
fsr-3795	22	150	,	,	PUNCT
fsr-3795	22	151	1977	1977	NUM
fsr-3795	22	152	;	;	PUNCT
fsr-3795	22	153	liberman	liberman	PROPN
fsr-3795	22	154	,	,	PUNCT
fsr-3795	22	155	1980	1980	NUM
fsr-3795	22	156	)	)	PUNCT
fsr-3795	22	157	,	,	PUNCT
fsr-3795	22	158	equation	equation	NOUN
fsr-3795	22	159	1	1	NUM
fsr-3795	22	160	becomes	become	VERB
fsr-3795	22	161	:	:	PUNCT
fsr-3795	22	162	e(r,-r-1	e(r,-r-1	PROPN
fsr-3795	22	163	*	*	PUNCT
fsr-3795	22	164	1	1	NUM
fsr-3795	22	165	ix=	ix=	NOUN
fsr-3795	22	166	o’(r	o’(r	PROPN
fsr-3795	22	167	,	,	PUNCT
fsr-3795	22	168	)	)	PUNCT
fsr-3795	22	169	(	(	PUNCT
fsr-3795	22	170	1	1	NUM
fsr-3795	22	171	-t)(l	-t)(l	PROPN
fsr-3795	22	172	-h)c	-h)c	NOUN
fsr-3795	22	173	risk	risk	NOUN
fsr-3795	22	174	aversion	aversion	NOUN
fsr-3795	22	175	measures	measure	NOUN
fsr-3795	22	176	89	89	NUM
fsr-3795	22	177	equation	equation	NOUN
fsr-3795	22	178	3	3	NUM
fsr-3795	22	179	can	can	AUX
fsr-3795	22	180	be	be	AUX
fsr-3795	22	181	rewritten	rewrite	VERB
fsr-3795	22	182	as	as	ADP
fsr-3795	22	183	:	:	PUNCT
fsr-3795	22	184	(	(	PUNCT
fsr-3795	22	185	l	l	X
fsr-3795	22	186	-	-	NOUN
fsr-3795	22	187	t	t	NOUN
fsr-3795	22	188	)	)	PUNCT
fsr-3795	22	189	(	(	PUNCT
fsr-3795	22	190	1	1	NUM
fsr-3795	22	191	-	-	PUNCT
fsr-3795	22	192	h)a	h)a	NOUN
fsr-3795	22	193	=	=	SYM
fsr-3795	22	194	mpr	mpr	NOUN
fsr-3795	22	195	*	*	PUNCT
fsr-3795	22	196	;	;	PUNCT
fsr-3795	22	197	(	(	PUNCT
fsr-3795	22	198	4	4	X
fsr-3795	22	199	)	)	PUNCT
fsr-3795	22	200	where	where	SCONJ
fsr-3795	22	201	mpr	mpr	NOUN
fsr-3795	22	202	is	be	AUX
fsr-3795	22	203	the	the	DET
fsr-3795	22	204	market	market	NOUN
fsr-3795	22	205	price	price	NOUN
fsr-3795	22	206	of	of	ADP
fsr-3795	22	207	risk	risk	NOUN
fsr-3795	22	208	,	,	PUNCT
fsr-3795	22	209	assumed	assume	VERB
fsr-3795	22	210	constant	constant	ADJ
fsr-3795	22	211	across	across	ADP
fsr-3795	22	212	all	all	DET
fsr-3795	22	213	households	household	NOUN
fsr-3795	22	214	.	.	PUNCT
fsr-3795	23	1	therefore	therefore	ADV
fsr-3795	23	2	,	,	PUNCT
fsr-3795	23	3	because	because	SCONJ
fsr-3795	23	4	(	(	PUNCT
fsr-3795	23	5	l	l	NOUN
fsr-3795	23	6	-	-	NOUN
fsr-3795	23	7	t	t	NOUN
fsr-3795	23	8	)	)	PUNCT
fsr-3795	23	9	(	(	PUNCT
fsr-3795	23	10	1	1	NUM
fsr-3795	23	11	-	-	PUNCT
fsr-3795	23	12	h)a	h)a	NOUN
fsr-3795	23	13	is	be	AUX
fsr-3795	23	14	proportional	proportional	ADJ
fsr-3795	23	15	to	to	ADP
fsr-3795	23	16	c	c	PROPN
fsr-3795	23	17	(	(	PUNCT
fsr-3795	23	18	i.e.	i.e.	X
fsr-3795	23	19	,	,	PUNCT
fsr-3795	23	20	rra	rra	NOUN
fsr-3795	23	21	)	)	PUNCT
fsr-3795	23	22	and	and	CCONJ
fsr-3795	23	23	can	can	AUX
fsr-3795	23	24	be	be	AUX
fsr-3795	23	25	observed	observe	VERB
fsr-3795	23	26	,	,	PUNCT
fsr-3795	23	27	inferences	inference	NOUN
fsr-3795	23	28	about	about	ADP
fsr-3795	23	29	rra	rra	NOUN
fsr-3795	23	30	can	can	AUX
fsr-3795	23	31	be	be	AUX
fsr-3795	23	32	made	make	VERB
fsr-3795	23	33	from	from	ADP
fsr-3795	23	34	(	(	PUNCT
fsr-3795	23	35	l	l	NOUN
fsr-3795	23	36	-	-	NOUN
fsr-3795	23	37	t	t	NOUN
fsr-3795	23	38	)	)	PUNCT
fsr-3795	23	39	(	(	PUNCT
fsr-3795	23	40	1	1	NUM
fsr-3795	23	41	-	-	PUNCT
fsr-3795	23	42	h)ol	h)ol	NOUN
fsr-3795	23	43	.	.	PUNCT
fsr-3795	24	1	if	if	SCONJ
fsr-3795	24	2	(	(	PUNCT
fsr-3795	24	3	l	l	NOUN
fsr-3795	24	4	-	-	NOUN
fsr-3795	24	5	t	t	NOUN
fsr-3795	24	6	)	)	PUNCT
fsr-3795	24	7	(	(	PUNCT
fsr-3795	24	8	1	1	NUM
fsr-3795	24	9	-	-	PUNCT
fsr-3795	24	10	h)a	h)a	NOUN
fsr-3795	24	11	increases	increase	NOUN
fsr-3795	24	12	(	(	PUNCT
fsr-3795	24	13	decreases	decrease	NOUN
fsr-3795	24	14	)	)	PUNCT
fsr-3795	24	15	as	as	ADP
fsr-3795	24	16	wealth	wealth	NOUN
fsr-3795	24	17	increases	increase	NOUN
fsr-3795	24	18	,	,	PUNCT
fsr-3795	24	19	the	the	DET
fsr-3795	24	20	individual	individual	NOUN
fsr-3795	24	21	is	be	AUX
fsr-3795	24	22	said	say	VERB
fsr-3795	24	23	to	to	PART
fsr-3795	24	24	exhibit	exhibit	VERB
fsr-3795	24	25	decreasing	decrease	VERB
fsr-3795	24	26	(	(	PUNCT
fsr-3795	24	27	increasing	increase	VERB
fsr-3795	24	28	)	)	PUNCT
fsr-3795	24	29	rra	rra	NOUN
fsr-3795	24	30	.	.	PUNCT
fsr-3795	25	1	some	some	DET
fsr-3795	25	2	economists	economist	NOUN
fsr-3795	25	3	argue	argue	VERB
fsr-3795	25	4	for	for	ADP
fsr-3795	25	5	utility	utility	NOUN
fsr-3795	25	6	functions	function	NOUN
fsr-3795	25	7	whose	whose	DET
fsr-3795	25	8	properties	property	NOUN
fsr-3795	25	9	reflect	reflect	VERB
fsr-3795	25	10	increasing	increase	VERB
fsr-3795	25	11	rra	rra	NOUN
fsr-3795	25	12	(	(	PUNCT
fsr-3795	25	13	arrow	arrow	NOUN
fsr-3795	25	14	,	,	PUNCT
fsr-3795	25	15	1971	1971	NUM
fsr-3795	25	16	)	)	PUNCT
fsr-3795	25	17	while	while	SCONJ
fsr-3795	25	18	others	other	NOUN
fsr-3795	25	19	favor	favor	VERB
fsr-3795	25	20	the	the	DET
fsr-3795	25	21	log	log	NOUN
fsr-3795	25	22	utility	utility	NOUN
fsr-3795	25	23	function	function	NOUN
fsr-3795	25	24	,	,	PUNCT
fsr-3795	25	25	which	which	PRON
fsr-3795	25	26	reflects	reflect	VERB
fsr-3795	25	27	constant	constant	ADJ
fsr-3795	25	28	rra	rra	NOUN
fsr-3795	25	29	.	.	PUNCT
fsr-3795	26	1	because	because	SCONJ
fsr-3795	26	2	rra	rra	NOUN
fsr-3795	26	3	depends	depend	VERB
fsr-3795	26	4	upon	upon	SCONJ
fsr-3795	26	5	the	the	DET
fsr-3795	26	6	form	form	NOUN
fsr-3795	26	7	of	of	ADP
fsr-3795	26	8	utility	utility	NOUN
fsr-3795	26	9	function	function	NOUN
fsr-3795	26	10	being	be	AUX
fsr-3795	26	11	con	con	NOUN
fsr-3795	26	12	sidered	sidere	VERB
fsr-3795	26	13	,	,	PUNCT
fsr-3795	26	14	the	the	DET
fsr-3795	26	15	question	question	NOUN
fsr-3795	26	16	of	of	ADP
fsr-3795	26	17	individuals	individual	NOUN
fsr-3795	26	18	’	'	PUNCT
fsr-3795	26	19	actual	actual	ADJ
fsr-3795	26	20	rra	rra	NOUN
fsr-3795	26	21	is	be	AUX
fsr-3795	26	22	,	,	PUNCT
fsr-3795	26	23	for	for	ADP
fsr-3795	26	24	the	the	DET
fsr-3795	26	25	most	most	ADJ
fsr-3795	26	26	part	part	NOUN
fsr-3795	26	27	,	,	PUNCT
fsr-3795	26	28	an	an	DET
fsr-3795	26	29	empirical	empirical	ADJ
fsr-3795	26	30	issue	issue	NOUN
fsr-3795	26	31	.	.	PUNCT
fsr-3795	27	1	empirical	empirical	ADJ
fsr-3795	27	2	analyses	analysis	NOUN
fsr-3795	27	3	of	of	ADP
fsr-3795	27	4	household	household	NOUN
fsr-3795	27	5	rra	rra	NOUN
fsr-3795	27	6	vary	vary	VERB
fsr-3795	27	7	in	in	ADP
fsr-3795	27	8	results	result	NOUN
fsr-3795	27	9	depending	depend	VERB
fsr-3795	27	10	,	,	PUNCT
fsr-3795	27	11	in	in	ADP
fsr-3795	27	12	part	part	NOUN
fsr-3795	27	13	,	,	PUNCT
fsr-3795	27	14	upon	upon	SCONJ
fsr-3795	27	15	how	how	SCONJ
fsr-3795	27	16	wealth	wealth	NOUN
fsr-3795	27	17	is	be	AUX
fsr-3795	27	18	measured	measure	VERB
fsr-3795	27	19	.	.	PUNCT
fsr-3795	28	1	because	because	SCONJ
fsr-3795	28	2	individuals	individual	NOUN
fsr-3795	28	3	hold	hold	VERB
fsr-3795	28	4	residential	residential	ADJ
fsr-3795	28	5	housing	housing	NOUN
fsr-3795	28	6	for	for	ADP
fsr-3795	28	7	consumption	consumption	NOUN
fsr-3795	28	8	as	as	ADV
fsr-3795	28	9	well	well	ADV
fsr-3795	28	10	as	as	ADP
fsr-3795	28	11	investment	investment	NOUN
fsr-3795	28	12	purposes	purpose	NOUN
fsr-3795	28	13	,	,	PUNCT
fsr-3795	28	14	wealth	wealth	NOUN
fsr-3795	28	15	has	have	AUX
fsr-3795	28	16	been	be	AUX
fsr-3795	28	17	measured	measure	VERB
fsr-3795	28	18	as	as	ADP
fsr-3795	28	19	net	net	ADJ
fsr-3795	28	20	worth	worth	ADJ
fsr-3795	28	21	excluding	exclude	VERB
fsr-3795	28	22	home	home	NOUN
fsr-3795	28	23	equity	equity	NOUN
fsr-3795	28	24	.	.	PUNCT
fsr-3795	29	1	using	use	VERB
fsr-3795	29	2	this	this	DET
fsr-3795	29	3	measure	measure	NOUN
fsr-3795	29	4	,	,	PUNCT
fsr-3795	29	5	friend	friend	NOUN
fsr-3795	29	6	and	and	CCONJ
fsr-3795	29	7	blume	blume	PROPN
fsr-3795	29	8	(	(	PUNCT
fsr-3795	29	9	1975	1975	NUM
fsr-3795	29	10	)	)	PUNCT
fsr-3795	29	11	find	find	VERB
fsr-3795	29	12	decreasing	decrease	VERB
fsr-3795	29	13	rra	rra	NOUN
fsr-3795	29	14	and	and	CCONJ
fsr-3795	29	15	siegel	siegel	NOUN
fsr-3795	29	16	and	and	CCONJ
fsr-3795	29	17	hoban	hoban	PROPN
fsr-3795	29	18	(	(	PUNCT
fsr-3795	29	19	1982	1982	NUM
fsr-3795	29	20	)	)	PUNCT
fsr-3795	29	21	,	,	PUNCT
fsr-3795	29	22	who	who	PRON
fsr-3795	29	23	limit	limit	VERB
fsr-3795	29	24	their	their	PRON
fsr-3795	29	25	sample	sample	NOUN
fsr-3795	29	26	to	to	ADP
fsr-3795	29	27	households	household	NOUN
fsr-3795	29	28	between	between	ADP
fsr-3795	29	29	the	the	DET
fsr-3795	29	30	ages	age	NOUN
fsr-3795	29	31	of	of	ADP
fsr-3795	29	32	50	50	NUM
fsr-3795	29	33	and	and	CCONJ
fsr-3795	29	34	64	64	NUM
fsr-3795	29	35	,	,	PUNCT
fsr-3795	29	36	find	find	VERB
fsr-3795	29	37	constant	constant	ADJ
fsr-3795	29	38	rra	rra	NOUN
fsr-3795	29	39	.	.	PUNCT
fsr-3795	30	1	morin	morin	PROPN
fsr-3795	30	2	and	and	CCONJ
fsr-3795	30	3	suarez	suarez	PROPN
fsr-3795	30	4	(	(	PUNCT
fsr-3795	30	5	1983	1983	NUM
fsr-3795	30	6	)	)	PUNCT
fsr-3795	30	7	also	also	ADV
fsr-3795	30	8	find	find	VERB
fsr-3795	30	9	decreasing	decrease	VERB
fsr-3795	30	10	rra	rra	NOUN
fsr-3795	30	11	,	,	PUNCT
fsr-3795	30	12	but	but	CCONJ
fsr-3795	30	13	include	include	VERB
fsr-3795	30	14	home	home	NOUN
fsr-3795	30	15	equity	equity	NOUN
fsr-3795	30	16	in	in	ADP
fsr-3795	30	17	the	the	DET
fsr-3795	30	18	wealth	wealth	NOUN
fsr-3795	30	19	measure	measure	NOUN
fsr-3795	30	20	and	and	CCONJ
fsr-3795	30	21	treat	treat	VERB
fsr-3795	30	22	it	it	PRON
fsr-3795	30	23	as	as	ADP
fsr-3795	30	24	a	a	DET
fsr-3795	30	25	riskless	riskless	NOUN
fsr-3795	30	26	asset	asset	NOUN
fsr-3795	30	27	because	because	SCONJ
fsr-3795	30	28	of	of	ADP
fsr-3795	30	29	the	the	DET
fsr-3795	30	30	low	low	ADJ
fsr-3795	30	31	uncertainty	uncertainty	NOUN
fsr-3795	30	32	of	of	ADP
fsr-3795	30	33	the	the	DET
fsr-3795	30	34	real	real	ADJ
fsr-3795	30	35	stream	stream	NOUN
fsr-3795	30	36	of	of	ADP
fsr-3795	30	37	benefits	benefit	NOUN
fsr-3795	30	38	it	it	PRON
fsr-3795	30	39	provides	provide	VERB
fsr-3795	30	40	.	.	PUNCT
fsr-3795	31	1	they	they	PRON
fsr-3795	31	2	also	also	ADV
fsr-3795	31	3	include	include	VERB
fsr-3795	31	4	personal	personal	ADJ
fsr-3795	31	5	property	property	NOUN
fsr-3795	31	6	as	as	ADP
fsr-3795	31	7	a	a	DET
fsr-3795	31	8	riskless	riskless	NOUN
fsr-3795	31	9	asset	asset	NOUN
fsr-3795	31	10	.	.	PUNCT
fsr-3795	32	1	in	in	ADP
fsr-3795	32	2	this	this	DET
fsr-3795	32	3	study	study	NOUN
fsr-3795	32	4	,	,	PUNCT
fsr-3795	32	5	home	home	NOUN
fsr-3795	32	6	equity	equity	NOUN
fsr-3795	32	7	is	be	AUX
fsr-3795	32	8	excluded	exclude	VERB
fsr-3795	32	9	from	from	ADP
fsr-3795	32	10	wealth	wealth	NOUN
fsr-3795	32	11	,	,	PUNCT
fsr-3795	32	12	as	as	SCONJ
fsr-3795	32	13	are	be	AUX
fsr-3795	32	14	other	other	ADJ
fsr-3795	32	15	consumption	consumption	NOUN
fsr-3795	32	16	goods	good	NOUN
fsr-3795	32	17	such	such	ADJ
fsr-3795	32	18	as	as	ADP
fsr-3795	32	19	personal	personal	ADJ
fsr-3795	32	20	property	property	NOUN
fsr-3795	32	21	,	,	PUNCT
fsr-3795	32	22	vehicles	vehicle	NOUN
fsr-3795	32	23	and	and	CCONJ
fsr-3795	32	24	recreational	recreational	ADJ
fsr-3795	32	25	craft	craft	NOUN
fsr-3795	32	26	.	.	PUNCT
fsr-3795	33	1	individuals	individual	NOUN
fsr-3795	33	2	exhibit	exhibit	VERB
fsr-3795	33	3	decreasing	decrease	VERB
fsr-3795	33	4	rra	rra	NOUN
fsr-3795	33	5	when	when	SCONJ
fsr-3795	33	6	wealth	wealth	NOUN
fsr-3795	33	7	is	be	AUX
fsr-3795	33	8	measured	measure	VERB
fsr-3795	33	9	as	as	ADP
fsr-3795	33	10	total	total	ADJ
fsr-3795	33	11	assets	asset	NOUN
fsr-3795	33	12	rather	rather	ADV
fsr-3795	33	13	than	than	ADP
fsr-3795	33	14	net	net	ADJ
fsr-3795	33	15	worth	worth	NOUN
fsr-3795	33	16	(	(	PUNCT
fsr-3795	33	17	cohn	cohn	PROPN
fsr-3795	33	18	,	,	PUNCT
fsr-3795	33	19	lewellen	lewellen	NOUN
fsr-3795	33	20	,	,	PUNCT
fsr-3795	33	21	lease	lease	NOUN
fsr-3795	33	22	&	&	CCONJ
fsr-3795	33	23	schlarbaum	schlarbaum	PROPN
fsr-3795	33	24	,	,	PUNCT
fsr-3795	33	25	1975	1975	NUM
fsr-3795	33	26	;	;	PUNCT
fsr-3795	33	27	riley	riley	PROPN
fsr-3795	33	28	&	&	CCONJ
fsr-3795	33	29	chow	chow	PROPN
fsr-3795	33	30	,	,	PUNCT
fsr-3795	33	31	1992	1992	NUM
fsr-3795	33	32	)	)	PUNCT
fsr-3795	33	33	.	.	PUNCT
fsr-3795	34	1	this	this	DET
fsr-3795	34	2	study	study	NOUN
fsr-3795	34	3	employs	employ	VERB
fsr-3795	34	4	a	a	DET
fsr-3795	34	5	measure	measure	NOUN
fsr-3795	34	6	of	of	ADP
fsr-3795	34	7	wealth	wealth	NOUN
fsr-3795	34	8	that	that	PRON
fsr-3795	34	9	is	be	AUX
fsr-3795	34	10	net	net	NOUN
fsr-3795	34	11	of	of	ADP
fsr-3795	34	12	the	the	DET
fsr-3795	34	13	debt	debt	NOUN
fsr-3795	34	14	incurred	incur	VERB
fsr-3795	34	15	to	to	PART
fsr-3795	34	16	accumulate	accumulate	VERB
fsr-3795	34	17	it	it	PRON
fsr-3795	34	18	.	.	PUNCT
fsr-3795	35	1	some	some	DET
fsr-3795	35	2	studies	study	NOUN
fsr-3795	35	3	include	include	VERB
fsr-3795	35	4	human	human	ADJ
fsr-3795	35	5	capital	capital	NOUN
fsr-3795	35	6	as	as	ADP
fsr-3795	35	7	a	a	DET
fsr-3795	35	8	component	component	NOUN
fsr-3795	35	9	of	of	ADP
fsr-3795	35	10	wealth	wealth	NOUN
fsr-3795	35	11	.	.	PUNCT
fsr-3795	36	1	when	when	SCONJ
fsr-3795	36	2	human	human	ADJ
fsr-3795	36	3	capital	capital	NOUN
fsr-3795	36	4	(	(	PUNCT
fsr-3795	36	5	as	as	ADV
fsr-3795	36	6	well	well	ADV
fsr-3795	36	7	as	as	ADP
fsr-3795	36	8	home	home	NOUN
fsr-3795	36	9	equity	equity	NOUN
fsr-3795	36	10	)	)	PUNCT
fsr-3795	36	11	is	be	AUX
fsr-3795	36	12	incorporated	incorporate	VERB
fsr-3795	36	13	into	into	ADP
fsr-3795	36	14	the	the	DET
fsr-3795	36	15	model	model	NOUN
fsr-3795	36	16	as	as	ADP
fsr-3795	36	17	a	a	DET
fsr-3795	36	18	risky	risky	ADJ
fsr-3795	36	19	asset	asset	NOUN
fsr-3795	36	20	,	,	PUNCT
fsr-3795	36	21	friend	friend	NOUN
fsr-3795	36	22	and	and	CCONJ
fsr-3795	36	23	blume	blume	PROPN
fsr-3795	36	24	(	(	PUNCT
fsr-3795	36	25	1975	1975	NUM
fsr-3795	36	26	)	)	PUNCT
fsr-3795	36	27	find	find	VERB
fsr-3795	36	28	constant	constant	ADJ
fsr-3795	36	29	rra	rra	NOUN
fsr-3795	36	30	while	while	SCONJ
fsr-3795	36	31	siegel	siegel	NOUN
fsr-3795	36	32	and	and	CCONJ
fsr-3795	36	33	hoban	hoban	PROPN
fsr-3795	36	34	(	(	PUNCT
fsr-3795	36	35	1982	1982	NUM
fsr-3795	36	36	)	)	PUNCT
fsr-3795	36	37	find	find	VERB
fsr-3795	36	38	increasing	increase	VERB
fsr-3795	36	39	rra	rra	NOUN
fsr-3795	36	40	.	.	PUNCT
fsr-3795	37	1	bellante	bellante	PROPN
fsr-3795	37	2	and	and	CCONJ
fsr-3795	37	3	saba	saba	PROPN
fsr-3795	37	4	(	(	PUNCT
fsr-3795	37	5	1986	1986	NUM
fsr-3795	37	6	)	)	PUNCT
fsr-3795	37	7	find	find	VERB
fsr-3795	37	8	the	the	DET
fsr-3795	37	9	inclusion	inclusion	NOUN
fsr-3795	37	10	of	of	ADP
fsr-3795	37	11	human	human	ADJ
fsr-3795	37	12	capital	capital	NOUN
fsr-3795	37	13	in	in	ADP
fsr-3795	37	14	wealth	wealth	NOUN
fsr-3795	37	15	dramatically	dramatically	ADV
fsr-3795	37	16	changes	change	VERB
fsr-3795	37	17	how	how	SCONJ
fsr-3795	37	18	rra	rra	NOUN
fsr-3795	37	19	varies	vary	VERB
fsr-3795	37	20	across	across	ADP
fsr-3795	37	21	age	age	NOUN
fsr-3795	37	22	categories	category	NOUN
fsr-3795	37	23	.	.	PUNCT
fsr-3795	38	1	when	when	SCONJ
fsr-3795	38	2	human	human	ADJ
fsr-3795	38	3	capital	capital	NOUN
fsr-3795	38	4	is	be	AUX
fsr-3795	38	5	not	not	PART
fsr-3795	38	6	included	include	VERB
fsr-3795	38	7	,	,	PUNCT
fsr-3795	38	8	they	they	PRON
fsr-3795	38	9	find	find	VERB
fsr-3795	38	10	that	that	SCONJ
fsr-3795	38	11	rra	rra	NOUN
fsr-3795	38	12	increases	increase	VERB
fsr-3795	38	13	significantly	significantly	ADV
fsr-3795	38	14	with	with	ADP
fsr-3795	38	15	age	age	NOUN
fsr-3795	38	16	for	for	ADP
fsr-3795	38	17	heads	head	NOUN
fsr-3795	38	18	of	of	ADP
fsr-3795	38	19	households	household	NOUN
fsr-3795	38	20	over	over	ADP
fsr-3795	38	21	45	45	NUM
fsr-3795	38	22	years	year	NOUN
fsr-3795	38	23	of	of	ADP
fsr-3795	38	24	age	age	NOUN
fsr-3795	38	25	.	.	PUNCT
fsr-3795	39	1	however	however	ADV
fsr-3795	39	2	,	,	PUNCT
fsr-3795	39	3	when	when	SCONJ
fsr-3795	39	4	human	human	ADJ
fsr-3795	39	5	capital	capital	NOUN
fsr-3795	39	6	is	be	AUX
fsr-3795	39	7	considered	consider	VERB
fsr-3795	39	8	a	a	DET
fsr-3795	39	9	part	part	NOUN
fsr-3795	39	10	of	of	ADP
fsr-3795	39	11	wealth	wealth	NOUN
fsr-3795	39	12	,	,	PUNCT
fsr-3795	39	13	rra	rra	PROPN
fsr-3795	39	14	tends	tend	VERB
fsr-3795	39	15	to	to	PART
fsr-3795	39	16	decrease	decrease	VERB
fsr-3795	39	17	with	with	ADP
fsr-3795	39	18	age	age	NOUN
fsr-3795	39	19	for	for	ADP
fsr-3795	39	20	all	all	DET
fsr-3795	39	21	age	age	NOUN
fsr-3795	39	22	categories	category	NOUN
fsr-3795	39	23	.	.	PUNCT
fsr-3795	40	1	these	these	DET
fsr-3795	40	2	results	result	NOUN
fsr-3795	40	3	indicate	indicate	VERB
fsr-3795	40	4	that	that	SCONJ
fsr-3795	40	5	unless	unless	SCONJ
fsr-3795	40	6	human	human	ADJ
fsr-3795	40	7	capital	capital	NOUN
fsr-3795	40	8	is	be	AUX
fsr-3795	40	9	recognized	recognize	VERB
fsr-3795	40	10	as	as	ADP
fsr-3795	40	11	a	a	DET
fsr-3795	40	12	risky	risky	ADJ
fsr-3795	40	13	asset	asset	NOUN
fsr-3795	40	14	,	,	PUNCT
fsr-3795	40	15	the	the	DET
fsr-3795	40	16	human	human	ADJ
fsr-3795	40	17	capital	capital	NOUN
fsr-3795	40	18	effects	effect	NOUN
fsr-3795	40	19	mask	mask	VERB
fsr-3795	40	20	the	the	DET
fsr-3795	40	21	life	life	NOUN
fsr-3795	40	22	cycle	cycle	NOUN
fsr-3795	40	23	effects	effect	NOUN
fsr-3795	40	24	.	.	PUNCT
fsr-3795	41	1	thus	thus	ADV
fsr-3795	41	2	,	,	PUNCT
fsr-3795	41	3	measures	measure	NOUN
fsr-3795	41	4	of	of	ADP
fsr-3795	41	5	human	human	ADJ
fsr-3795	41	6	cap	cap	NOUN
fsr-3795	41	7	ital	ital	ADJ
fsr-3795	41	8	and	and	CCONJ
fsr-3795	41	9	life	life	NOUN
fsr-3795	41	10	cycles	cycle	NOUN
fsr-3795	41	11	are	be	AUX
fsr-3795	41	12	included	include	VERB
fsr-3795	41	13	in	in	ADP
fsr-3795	41	14	this	this	DET
fsr-3795	41	15	study	study	NOUN
fsr-3795	41	16	.	.	PUNCT
fsr-3795	42	1	i	i	PRON
fsr-3795	42	2	d.	d.	PROPN
fsr-3795	42	3	methodology	methodology	VERB
fsr-3795	42	4	all	all	PRON
fsr-3795	42	5	of	of	ADP
fsr-3795	42	6	the	the	DET
fsr-3795	42	7	variables	variable	NOUN
fsr-3795	42	8	used	use	VERB
fsr-3795	42	9	in	in	ADP
fsr-3795	42	10	this	this	DET
fsr-3795	42	11	study	study	NOUN
fsr-3795	42	12	are	be	AUX
fsr-3795	42	13	computed	compute	VERB
fsr-3795	42	14	from	from	ADP
fsr-3795	42	15	the	the	DET
fsr-3795	42	16	1989	1989	NUM
fsr-3795	42	17	survey	survey	NOUN
fsr-3795	42	18	of	of	ADP
fsr-3795	42	19	consumer	consumer	NOUN
fsr-3795	42	20	finances	finance	NOUN
fsr-3795	42	21	(	(	PUNCT
fsr-3795	42	22	scf	scf	PROPN
fsr-3795	42	23	)	)	PUNCT
fsr-3795	42	24	.	.	PUNCT
fsr-3795	43	1	this	this	DET
fsr-3795	43	2	survey	survey	NOUN
fsr-3795	43	3	,	,	PUNCT
fsr-3795	43	4	sponsored	sponsor	VERB
fsr-3795	43	5	by	by	ADP
fsr-3795	43	6	the	the	DET
fsr-3795	43	7	federal	federal	PROPN
fsr-3795	43	8	reserve	reserve	PROPN
fsr-3795	43	9	board	board	PROPN
fsr-3795	43	10	,	,	PUNCT
fsr-3795	43	11	was	be	AUX
fsr-3795	43	12	conducted	conduct	VERB
fsr-3795	43	13	by	by	ADP
fsr-3795	43	14	the	the	DET
fsr-3795	43	15	survey	survey	NOUN
fsr-3795	43	16	research	research	NOUN
fsr-3795	43	17	center	center	NOUN
fsr-3795	43	18	at	at	ADP
fsr-3795	43	19	the	the	DET
fsr-3795	43	20	university	university	PROPN
fsr-3795	43	21	of	of	ADP
fsr-3795	43	22	michigan	michigan	PROPN
fsr-3795	43	23	between	between	ADP
fsr-3795	43	24	august	august	PROPN
fsr-3795	43	25	1989	1989	NUM
fsr-3795	43	26	and	and	CCONJ
fsr-3795	43	27	march	march	PROPN
fsr-3795	43	28	1990	1990	NUM
fsr-3795	43	29	.	.	PUNCT
fsr-3795	44	1	the	the	DET
fsr-3795	44	2	purpose	purpose	NOUN
fsr-3795	44	3	of	of	ADP
fsr-3795	44	4	the	the	DET
fsr-3795	44	5	scf	scf	PROPN
fsr-3795	44	6	was	be	AUX
fsr-3795	44	7	to	to	PART
fsr-3795	44	8	provide	provide	VERB
fsr-3795	44	9	a	a	DET
fsr-3795	44	10	comprehensive	comprehensive	ADJ
fsr-3795	44	11	view	view	NOUN
fsr-3795	44	12	of	of	ADP
fsr-3795	44	13	the	the	DET
fsr-3795	44	14	financial	financial	ADJ
fsr-3795	44	15	behavior	behavior	NOUN
fsr-3795	44	16	of	of	ADP
fsr-3795	44	17	households	household	NOUN
fsr-3795	44	18	.	.	PUNCT
fsr-3795	45	1	detailed	detailed	ADJ
fsr-3795	45	2	information	information	NOUN
fsr-3795	45	3	was	be	AUX
fsr-3795	45	4	gathered	gather	VERB
fsr-3795	45	5	on	on	ADP
fsr-3795	45	6	all	all	DET
fsr-3795	45	7	assets	asset	NOUN
fsr-3795	45	8	,	,	PUNCT
fsr-3795	45	9	both	both	CCONJ
fsr-3795	45	10	real	real	ADJ
fsr-3795	45	11	and	and	CCONJ
fsr-3795	45	12	financial	financial	ADJ
fsr-3795	45	13	,	,	PUNCT
fsr-3795	45	14	and	and	CCONJ
fsr-3795	45	15	liabilities	liability	NOUN
fsr-3795	45	16	of	of	ADP
fsr-3795	45	17	the	the	DET
fsr-3795	45	18	household	household	NOUN
fsr-3795	45	19	,	,	PUNCT
fsr-3795	45	20	as	as	ADV
fsr-3795	45	21	well	well	ADV
fsr-3795	45	22	as	as	ADP
fsr-3795	45	23	demographic	demographic	ADJ
fsr-3795	45	24	characteristics	characteristic	NOUN
fsr-3795	45	25	such	such	ADJ
fsr-3795	45	26	as	as	ADP
fsr-3795	45	27	90	90	NUM
fsr-3795	45	28	financial	financial	ADJ
fsr-3795	45	29	services	service	NOUN
fsr-3795	45	30	review	review	NOUN
fsr-3795	45	31	s(2	s(2	NOUN
fsr-3795	45	32	)	)	PUNCT
fsr-3795	45	33	1996	1996	NUM
fsr-3795	45	34	age	age	NOUN
fsr-3795	45	35	,	,	PUNCT
fsr-3795	45	36	race	race	NOUN
fsr-3795	45	37	,	,	PUNCT
fsr-3795	45	38	education	education	NOUN
fsr-3795	45	39	,	,	PUNCT
fsr-3795	45	40	family	family	NOUN
fsr-3795	45	41	composition	composition	NOUN
fsr-3795	45	42	,	,	PUNCT
fsr-3795	45	43	and	and	CCONJ
fsr-3795	45	44	employment	employment	NOUN
fsr-3795	45	45	status	status	NOUN
fsr-3795	45	46	.	.	PUNCT
fsr-3795	46	1	attitudes	attitude	NOUN
fsr-3795	46	2	toward	toward	ADP
fsr-3795	46	3	credit	credit	NOUN
fsr-3795	46	4	use	use	NOUN
fsr-3795	46	5	,	,	PUNCT
fsr-3795	46	6	savings	saving	NOUN
fsr-3795	46	7	,	,	PUNCT
fsr-3795	46	8	and	and	CCONJ
fsr-3795	46	9	risk	risk	NOUN
fsr-3795	46	10	taking	taking	NOUN
fsr-3795	46	11	also	also	ADV
fsr-3795	46	12	were	be	AUX
fsr-3795	46	13	measured	measure	VERB
fsr-3795	46	14	.	.	PUNCT
fsr-3795	47	1	the	the	DET
fsr-3795	47	2	survey	survey	NOUN
fsr-3795	47	3	is	be	AUX
fsr-3795	47	4	~stinguished	~stinguishe	VERB
fsr-3795	47	5	from	from	ADP
fsr-3795	47	6	other	other	ADJ
fsr-3795	47	7	household	household	NOUN
fsr-3795	47	8	surveys	survey	NOUN
fsr-3795	47	9	,	,	PUNCT
fsr-3795	47	10	not	not	PART
fsr-3795	47	11	only	only	ADV
fsr-3795	47	12	because	because	SCONJ
fsr-3795	47	13	of	of	ADP
fsr-3795	47	14	the	the	DET
fsr-3795	47	15	vast	vast	ADJ
fsr-3795	47	16	amount	amount	NOUN
fsr-3795	47	17	of	of	ADP
fsr-3795	47	18	information	information	NOUN
fsr-3795	47	19	gathered	gather	VERB
fsr-3795	47	20	,	,	PUNCT
fsr-3795	47	21	but	but	CCONJ
fsr-3795	47	22	also	also	ADV
fsr-3795	47	23	because	because	SCONJ
fsr-3795	47	24	of	of	ADP
fsr-3795	47	25	its	its	PRON
fsr-3795	47	26	sample	sample	NOUN
fsr-3795	47	27	design	design	NOUN
fsr-3795	47	28	and	and	CCONJ
fsr-3795	47	29	its	its	PRON
fsr-3795	47	30	treat	treat	NOUN
fsr-3795	47	31	ment	ment	NOUN
fsr-3795	47	32	of	of	ADP
fsr-3795	47	33	nonresponses	nonresponse	NOUN
fsr-3795	47	34	.	.	PUNCT
fsr-3795	48	1	research	research	NOUN
fsr-3795	48	2	has	have	AUX
fsr-3795	48	3	shown	show	VERB
fsr-3795	48	4	that	that	SCONJ
fsr-3795	48	5	distribution	distribution	NOUN
fsr-3795	48	6	of	of	ADP
fsr-3795	48	7	wealth	wealth	NOUN
fsr-3795	48	8	in	in	ADP
fsr-3795	48	9	the	the	DET
fsr-3795	48	10	united	united	PROPN
fsr-3795	48	11	states	states	PROPN
fsr-3795	48	12	is	be	AUX
fsr-3795	48	13	skewed	skew	VERB
fsr-3795	48	14	,	,	PUNCT
fsr-3795	48	15	with	with	ADP
fsr-3795	48	16	a	a	DET
fsr-3795	48	17	relatively	relatively	ADV
fsr-3795	48	18	small	small	ADJ
fsr-3795	48	19	proportion	proportion	NOUN
fsr-3795	48	20	of	of	ADP
fsr-3795	48	21	households	household	NOUN
fsr-3795	48	22	holding	hold	VERB
fsr-3795	48	23	a	a	DET
fsr-3795	48	24	large	large	ADJ
fsr-3795	48	25	share	share	NOUN
fsr-3795	48	26	of	of	ADP
fsr-3795	48	27	the	the	DET
fsr-3795	48	28	wealth	wealth	NOUN
fsr-3795	48	29	.	.	PUNCT
fsr-3795	49	1	in	in	ADP
fsr-3795	49	2	order	order	NOUN
fsr-3795	49	3	to	to	PART
fsr-3795	49	4	obtain	obtain	VERB
fsr-3795	49	5	more	more	ADJ
fsr-3795	49	6	detail	detail	NOUN
fsr-3795	49	7	on	on	ADP
fsr-3795	49	8	the	the	DET
fsr-3795	49	9	financial	financial	ADJ
fsr-3795	49	10	behavior	behavior	NOUN
fsr-3795	49	11	of	of	ADP
fsr-3795	49	12	those	those	DET
fsr-3795	49	13	households	household	NOUN
fsr-3795	49	14	hold	hold	VERB
fsr-3795	49	15	ing	e	VERB
fsr-3795	49	16	a	a	DET
fsr-3795	49	17	~spropo	~spropo	ADJ
fsr-3795	49	18	~	~	NUM
fsr-3795	49	19	ionate	ionate	ADJ
fsr-3795	49	20	share	share	NOUN
fsr-3795	49	21	of	of	ADP
fsr-3795	49	22	the	the	DET
fsr-3795	49	23	wealth	wealth	NOUN
fsr-3795	49	24	,	,	PUNCT
fsr-3795	49	25	the	the	DET
fsr-3795	49	26	scf	scf	PROPN
fsr-3795	49	27	employed	employ	VERB
fsr-3795	49	28	a	a	DET
fsr-3795	49	29	dual-~~e	dual-~~e	NOUN
fsr-3795	49	30	sampling	sample	VERB
fsr-3795	49	31	design	design	NOUN
fsr-3795	49	32	(	(	PUNCT
fsr-3795	49	33	see	see	VERB
fsr-3795	49	34	herringa	herringa	PROPN
fsr-3795	49	35	&	&	CCONJ
fsr-3795	49	36	woodburn	woodburn	PROPN
fsr-3795	49	37	,	,	PUNCT
fsr-3795	49	38	1991	1991	NUM
fsr-3795	49	39	)	)	PUNCT
fsr-3795	49	40	.	.	PUNCT
fsr-3795	50	1	the	the	DET
fsr-3795	50	2	final	final	ADJ
fsr-3795	50	3	sample	sample	NOUN
fsr-3795	50	4	of	of	ADP
fsr-3795	50	5	3,143	3,143	NUM
fsr-3795	50	6	respondents	respondent	NOUN
fsr-3795	50	7	con	con	PROPN
fsr-3795	50	8	sisted	siste	VERB
fsr-3795	50	9	of	of	ADP
fsr-3795	50	10	2,277	2,277	NUM
fsr-3795	50	11	randomly	randomly	ADV
fsr-3795	50	12	selected	select	VERB
fsr-3795	50	13	households	household	NOUN
fsr-3795	50	14	from	from	ADP
fsr-3795	50	15	across	across	ADP
fsr-3795	50	16	the	the	DET
fsr-3795	50	17	u.s	u.s	PROPN
fsr-3795	50	18	.	.	PROPN
fsr-3795	50	19	and	and	CCONJ
fsr-3795	50	20	866	866	NUM
fsr-3795	50	21	high	high	ADJ
fsr-3795	50	22	-	-	PUNCT
fsr-3795	50	23	income	income	NOUN
fsr-3795	50	24	households	household	NOUN
fsr-3795	50	25	selected	select	VERB
fsr-3795	50	26	from	from	ADP
fsr-3795	50	27	a	a	DET
fsr-3795	50	28	list	list	NOUN
fsr-3795	50	29	developed	develop	VERB
fsr-3795	50	30	by	by	ADP
fsr-3795	50	31	the	the	DET
fsr-3795	50	32	internal	internal	ADJ
fsr-3795	50	33	revenue	revenue	NOUN
fsr-3795	50	34	service	service	NOUN
fsr-3795	50	35	.	.	PUNCT
fsr-3795	51	1	this	this	DET
fsr-3795	51	2	dual	dual	ADJ
fsr-3795	51	3	frame	frame	NOUN
fsr-3795	51	4	sampling	sample	VERB
fsr-3795	51	5	design	design	NOUN
fsr-3795	51	6	prohibits	prohibit	VERB
fsr-3795	51	7	the	the	DET
fsr-3795	51	8	use	use	NOUN
fsr-3795	51	9	of	of	ADP
fsr-3795	51	10	this	this	DET
fsr-3795	51	11	sample	sample	NOUN
fsr-3795	51	12	as	as	ADP
fsr-3795	51	13	representative	representative	NOUN
fsr-3795	51	14	of	of	ADP
fsr-3795	51	15	the	the	DET
fsr-3795	51	16	u.s	u.s	PROPN
fsr-3795	51	17	.	.	PROPN
fsr-3795	51	18	popu	popu	ADJ
fsr-3795	51	19	lation	lation	NOUN
fsr-3795	51	20	.	.	PUNCT
fsr-3795	52	1	while	while	SCONJ
fsr-3795	52	2	this	this	DET
fsr-3795	52	3	sample	sample	NOUN
fsr-3795	52	4	can	can	AUX
fsr-3795	52	5	not	not	PART
fsr-3795	52	6	be	be	AUX
fsr-3795	52	7	used	use	VERB
fsr-3795	52	8	to	to	PART
fsr-3795	52	9	make	make	VERB
fsr-3795	52	10	statistical	statistical	ADJ
fsr-3795	52	11	inferences	inference	NOUN
fsr-3795	52	12	about	about	ADP
fsr-3795	52	13	population	population	NOUN
fsr-3795	52	14	means	mean	NOUN
fsr-3795	52	15	and	and	CCONJ
fsr-3795	52	16	distributions	distribution	NOUN
fsr-3795	52	17	,	,	PUNCT
fsr-3795	52	18	inferences	inference	NOUN
fsr-3795	52	19	can	can	AUX
fsr-3795	52	20	be	be	AUX
fsr-3795	52	21	drawn	draw	VERB
fsr-3795	52	22	about	about	ADP
fsr-3795	52	23	the	the	DET
fsr-3795	52	24	relationships	relationship	NOUN
fsr-3795	52	25	between	between	ADP
fsr-3795	52	26	vari	vari	ADJ
fsr-3795	52	27	ables	able	NOUN
fsr-3795	52	28	within	within	ADP
fsr-3795	52	29	households	household	NOUN
fsr-3795	52	30	.	.	PUNCT
fsr-3795	53	1	the	the	DET
fsr-3795	53	2	1989	1989	NUM
fsr-3795	53	3	scf	scf	PROPN
fsr-3795	53	4	also	also	ADV
fsr-3795	53	5	differs	differ	VERB
fsr-3795	53	6	from	from	ADP
fsr-3795	53	7	similar	similar	ADJ
fsr-3795	53	8	surveys	survey	NOUN
fsr-3795	53	9	in	in	ADP
fsr-3795	53	10	its	its	PRON
fsr-3795	53	11	treatment	treatment	NOUN
fsr-3795	53	12	of	of	ADP
fsr-3795	53	13	nonresponses	nonresponse	NOUN
fsr-3795	53	14	.	.	PUNCT
fsr-3795	54	1	the	the	DET
fsr-3795	54	2	method	method	NOUN
fsr-3795	54	3	of	of	ADP
fsr-3795	54	4	multiple	multiple	ADJ
fsr-3795	54	5	imputation	imputation	NOUN
fsr-3795	54	6	,	,	PUNCT
fsr-3795	54	7	advanced	advance	VERB
fsr-3795	54	8	by	by	ADP
fsr-3795	54	9	donald	donald	PROPN
fsr-3795	54	10	rubin	rubin	PROPN
fsr-3795	54	11	,	,	PUNCT
fsr-3795	54	12	replaces	replace	VERB
fsr-3795	54	13	each	each	DET
fsr-3795	54	14	missing	miss	VERB
fsr-3795	54	15	value	value	NOUN
fsr-3795	54	16	with	with	ADP
fsr-3795	54	17	a	a	DET
fsr-3795	54	18	set	set	NOUN
fsr-3795	54	19	of	of	ADP
fsr-3795	54	20	values	value	NOUN
fsr-3795	54	21	that	that	PRON
fsr-3795	54	22	represent	represent	VERB
fsr-3795	54	23	a	a	DET
fsr-3795	54	24	distribution	distribution	NOUN
fsr-3795	54	25	of	of	ADP
fsr-3795	54	26	possibilities	possibility	NOUN
fsr-3795	54	27	.	.	PUNCT
fsr-3795	55	1	thus	thus	ADV
fsr-3795	55	2	,	,	PUNCT
fsr-3795	55	3	this	this	DET
fsr-3795	55	4	method	method	NOUN
fsr-3795	55	5	attempts	attempt	VERB
fsr-3795	55	6	to	to	PART
fsr-3795	55	7	simulate	simulate	VERB
fsr-3795	55	8	the	the	DET
fsr-3795	55	9	distribution	distribution	NOUN
fsr-3795	55	10	of	of	ADP
fsr-3795	55	11	missing	miss	VERB
fsr-3795	55	12	data	datum	NOUN
fsr-3795	55	13	and	and	CCONJ
fsr-3795	55	14	provide	provide	VERB
fsr-3795	55	15	a	a	DET
fsr-3795	55	16	more	more	ADV
fsr-3795	55	17	realistic	realistic	ADJ
fsr-3795	55	18	measure	measure	NOUN
fsr-3795	55	19	of	of	ADP
fsr-3795	55	20	the	the	DET
fsr-3795	55	21	variability	variability	NOUN
fsr-3795	55	22	around	around	ADP
fsr-3795	55	23	the	the	DET
fsr-3795	55	24	unknown	unknown	ADJ
fsr-3795	55	25	data	datum	NOUN
fsr-3795	55	26	than	than	ADP
fsr-3795	55	27	simpler	simple	ADJ
fsr-3795	55	28	methods	method	NOUN
fsr-3795	55	29	of	of	ADP
fsr-3795	55	30	estimating	estimate	VERB
fsr-3795	55	31	missing	missing	ADJ
fsr-3795	55	32	values	value	NOUN
fsr-3795	55	33	.	.	PUNCT
fsr-3795	56	1	models	model	NOUN
fsr-3795	56	2	are	be	AUX
fsr-3795	56	3	used	use	VERB
fsr-3795	56	4	to	to	PART
fsr-3795	56	5	impute	impute	VERB
fsr-3795	56	6	five	five	NUM
fsr-3795	56	7	alternative	alternative	ADJ
fsr-3795	56	8	values	value	NOUN
fsr-3795	56	9	for	for	ADP
fsr-3795	56	10	each	each	DET
fsr-3795	56	11	missing	miss	VERB
fsr-3795	56	12	item	item	NOUN
fsr-3795	56	13	;	;	PUNCT
fsr-3795	56	14	for	for	ADP
fsr-3795	56	15	nonmissing	nonmisse	VERB
fsr-3795	56	16	variables	variable	NOUN
fsr-3795	56	17	,	,	PUNCT
fsr-3795	56	18	the	the	DET
fsr-3795	56	19	values	value	NOUN
fsr-3795	56	20	are	be	AUX
fsr-3795	56	21	the	the	DET
fsr-3795	56	22	same	same	ADJ
fsr-3795	56	23	in	in	ADP
fsr-3795	56	24	each	each	PRON
fsr-3795	56	25	of	of	ADP
fsr-3795	56	26	five	five	NUM
fsr-3795	56	27	observations	observation	NOUN
fsr-3795	56	28	.	.	PUNCT
fsr-3795	57	1	the	the	DET
fsr-3795	57	2	final	final	ADJ
fsr-3795	57	3	database	database	NOUN
fsr-3795	57	4	consists	consist	VERB
fsr-3795	57	5	of	of	ADP
fsr-3795	57	6	five	five	NUM
fsr-3795	57	7	complete	complete	ADJ
fsr-3795	57	8	observations	observation	NOUN
fsr-3795	57	9	for	for	ADP
fsr-3795	57	10	each	each	DET
fsr-3795	57	11	respondent	respondent	NOUN
fsr-3795	57	12	,	,	PUNCT
fsr-3795	57	13	which	which	PRON
fsr-3795	57	14	are	be	AUX
fsr-3795	57	15	combined	combine	VERB
fsr-3795	57	16	for	for	ADP
fsr-3795	57	17	the	the	DET
fsr-3795	57	18	analysis	analysis	NOUN
fsr-3795	57	19	(	(	PUNCT
fsr-3795	57	20	see	see	VERB
fsr-3795	57	21	rubin	rubin	PROPN
fsr-3795	57	22	,	,	PUNCT
fsr-3795	57	23	1987	1987	NUM
fsr-3795	57	24	;	;	PUNCT
fsr-3795	57	25	kennickell	kennickell	PROPN
fsr-3795	57	26	,	,	PUNCT
fsr-3795	57	27	1991	1991	NUM
fsr-3795	57	28	)	)	PUNCT
fsr-3795	57	29	.	.	PUNCT
fsr-3795	58	1	the	the	DET
fsr-3795	58	2	measure	measure	NOUN
fsr-3795	58	3	of	of	ADP
fsr-3795	58	4	actual	actual	ADJ
fsr-3795	58	5	risk	risk	NOUN
fsr-3795	58	6	taking	take	VERB
fsr-3795	58	7	by	by	ADP
fsr-3795	58	8	households	household	NOUN
fsr-3795	58	9	is	be	AUX
fsr-3795	58	10	the	the	DET
fsr-3795	58	11	ratio	ratio	NOUN
fsr-3795	58	12	of	of	ADP
fsr-3795	58	13	risky	risky	ADJ
fsr-3795	58	14	assets	asset	NOUN
fsr-3795	58	15	to	to	ADP
fsr-3795	58	16	wealth	wealth	NOUN
fsr-3795	58	17	,	,	PUNCT
fsr-3795	58	18	that	that	ADV
fsr-3795	58	19	is	is	ADV
fsr-3795	58	20	,	,	PUNCT
fsr-3795	58	21	the	the	DET
fsr-3795	58	22	dollar	dollar	NOUN
fsr-3795	58	23	value	value	NOUN
fsr-3795	58	24	of	of	ADP
fsr-3795	58	25	risky	risky	ADJ
fsr-3795	58	26	assets	asset	NOUN
fsr-3795	58	27	per	per	ADP
fsr-3795	58	28	dollar	dollar	NOUN
fsr-3795	58	29	of	of	ADP
fsr-3795	58	30	wealth	wealth	NOUN
fsr-3795	58	31	.	.	PUNCT
fsr-3795	59	1	following	follow	VERB
fsr-3795	59	2	the	the	DET
fsr-3795	59	3	typical	typical	ADJ
fsr-3795	59	4	de	de	PROPN
fsr-3795	59	5	~	~	NOUN
fsr-3795	59	6	nition	nition	NOUN
fsr-3795	59	7	of	of	ADP
fsr-3795	59	8	risk	risk	NOUN
fsr-3795	59	9	,	,	PUNCT
fsr-3795	59	10	a	a	DET
fsr-3795	59	11	risky	risky	ADJ
fsr-3795	59	12	asset	asset	NOUN
fsr-3795	59	13	in	in	ADP
fsr-3795	59	14	this	this	DET
fsr-3795	59	15	study	study	NOUN
fsr-3795	59	16	is	be	AUX
fsr-3795	59	17	one	one	NUM
fsr-3795	59	18	that	that	PRON
fsr-3795	59	19	provides	provide	VERB
fsr-3795	59	20	an	an	DET
fsr-3795	59	21	uncertain	uncertain	ADJ
fsr-3795	59	22	nominal	nominal	ADJ
fsr-3795	59	23	cash	cash	NOUN
fsr-3795	59	24	flow	flow	NOUN
fsr-3795	59	25	.	.	PUNCT
fsr-3795	60	1	thus	thus	ADV
fsr-3795	60	2	,	,	PUNCT
fsr-3795	60	3	the	the	DET
fsr-3795	60	4	measure	measure	NOUN
fsr-3795	60	5	of	of	ADP
fsr-3795	60	6	human	human	ADJ
fsr-3795	60	7	capital	capital	NOUN
fsr-3795	60	8	is	be	AUX
fsr-3795	60	9	included	include	VERB
fsr-3795	60	10	as	as	ADP
fsr-3795	60	11	a	a	DET
fsr-3795	60	12	risky	risky	ADJ
fsr-3795	60	13	asset	asset	NOUN
fsr-3795	60	14	.	.	PUNCT
fsr-3795	61	1	it	it	PRON
fsr-3795	61	2	is	be	AUX
fsr-3795	61	3	recognized	recognize	VERB
fsr-3795	61	4	that	that	SCONJ
fsr-3795	61	5	the	the	DET
fsr-3795	61	6	riskiness	riskiness	NOUN
fsr-3795	61	7	of	of	ADP
fsr-3795	61	8	human	human	ADJ
fsr-3795	61	9	capital	capital	NOUN
fsr-3795	61	10	,	,	PUNCT
fsr-3795	61	11	measured	measure	VERB
fsr-3795	61	12	by	by	ADP
fsr-3795	61	13	the	the	DET
fsr-3795	61	14	uncertainty	uncertainty	NOUN
fsr-3795	61	15	in	in	ADP
fsr-3795	61	16	income	income	NOUN
fsr-3795	61	17	streams	stream	NOUN
fsr-3795	61	18	,	,	PUNCT
fsr-3795	61	19	varies	vary	VERB
fsr-3795	61	20	across	across	ADP
fsr-3795	61	21	occupation	occupation	NOUN
fsr-3795	61	22	and	and	CCONJ
fsr-3795	61	23	industry	industry	NOUN
fsr-3795	61	24	.	.	PUNCT
fsr-3795	62	1	however	however	ADV
fsr-3795	62	2	,	,	PUNCT
fsr-3795	62	3	these	these	DET
fsr-3795	62	4	data	datum	NOUN
fsr-3795	62	5	are	be	AUX
fsr-3795	62	6	coded	code	VERB
fsr-3795	62	7	in	in	ADP
fsr-3795	62	8	a	a	DET
fsr-3795	62	9	way	way	NOUN
fsr-3795	62	10	that	that	PRON
fsr-3795	62	11	such	such	ADJ
fsr-3795	62	12	differences	difference	NOUN
fsr-3795	62	13	can	can	AUX
fsr-3795	62	14	not	not	PART
fsr-3795	62	15	be	be	AUX
fsr-3795	62	16	accounted	account	VERB
fsr-3795	62	17	for	for	ADP
fsr-3795	62	18	.	.	PUNCT
fsr-3795	63	1	those	those	DET
fsr-3795	63	2	respondents	respondent	NOUN
fsr-3795	63	3	who	who	PRON
fsr-3795	63	4	were	be	AUX
fsr-3795	63	5	currently	currently	ADV
fsr-3795	63	6	employed	employ	VERB
fsr-3795	63	7	full	full	ADJ
fsr-3795	63	8	-	-	PUNCT
fsr-3795	63	9	time	time	NOUN
fsr-3795	63	10	(	(	PUNCT
fsr-3795	63	11	64	64	NUM
fsr-3795	63	12	%	%	NOUN
fsr-3795	63	13	of	of	ADP
fsr-3795	63	14	the	the	DET
fsr-3795	63	15	sam	sam	PROPN
fsr-3795	63	16	ple	ple	PROPN
fsr-3795	63	17	)	)	PUNCT
fsr-3795	63	18	reported	report	VERB
fsr-3795	63	19	that	that	SCONJ
fsr-3795	63	20	they	they	PRON
fsr-3795	63	21	expected	expect	VERB
fsr-3795	63	22	to	to	PART
fsr-3795	63	23	continue	continue	VERB
fsr-3795	63	24	working	work	VERB
fsr-3795	63	25	full	full	ADJ
fsr-3795	63	26	-	-	PUNCT
fsr-3795	63	27	time	time	NOUN
fsr-3795	63	28	for	for	ADP
fsr-3795	63	29	“	"	PUNCT
fsr-3795	63	30	n	n	CCONJ
fsr-3795	63	31	”	"	PUNCT
fsr-3795	63	32	years	year	NOUN
fsr-3795	63	33	.	.	PUNCT
fsr-3795	64	1	household	household	NOUN
fsr-3795	64	2	human	human	ADJ
fsr-3795	64	3	capital	capital	NOUN
fsr-3795	64	4	is	be	AUX
fsr-3795	64	5	calculated	calculate	VERB
fsr-3795	64	6	as	as	ADP
fsr-3795	64	7	the	the	DET
fsr-3795	64	8	present	present	ADJ
fsr-3795	64	9	value	value	NOUN
fsr-3795	64	10	of	of	ADP
fsr-3795	64	11	an	an	DET
fsr-3795	64	12	n	n	CCONJ
fsr-3795	64	13	-	-	PUNCT
fsr-3795	64	14	year	year	NOUN
fsr-3795	64	15	annuity	annuity	NOUN
fsr-3795	64	16	of	of	ADP
fsr-3795	64	17	the	the	DET
fsr-3795	64	18	current	current	ADJ
fsr-3795	64	19	annual	annual	ADJ
fsr-3795	64	20	salary	salary	NOUN
fsr-3795	64	21	or	or	CCONJ
fsr-3795	64	22	earnings	earning	NOUN
fsr-3795	64	23	,	,	PUNCT
fsr-3795	64	24	discounted	discount	VERB
fsr-3795	64	25	at	at	ADP
fsr-3795	64	26	7	7	NUM
fsr-3795	64	27	percent	percent	NOUN
fsr-3795	64	28	.	.	PUNCT
fsr-3795	65	1	essentially	essentially	ADV
fsr-3795	65	2	,	,	PUNCT
fsr-3795	65	3	this	this	PRON
fsr-3795	65	4	assumes	assume	VERB
fsr-3795	65	5	a	a	DET
fsr-3795	65	6	discount	discount	NOUN
fsr-3795	65	7	factor	factor	NOUN
fsr-3795	65	8	of	of	ADP
fsr-3795	65	9	10	10	NUM
fsr-3795	65	10	percent	percent	NOUN
fsr-3795	65	11	,	,	PUNCT
fsr-3795	65	12	but	but	CCONJ
fsr-3795	65	13	allows	allow	VERB
fsr-3795	65	14	earnings	earning	NOUN
fsr-3795	65	15	to	to	PART
fsr-3795	65	16	grow	grow	VERB
fsr-3795	65	17	at	at	ADP
fsr-3795	65	18	a	a	DET
fsr-3795	65	19	3	3	NUM
fsr-3795	65	20	percent	percent	NOUN
fsr-3795	65	21	rate	rate	NOUN
fsr-3795	65	22	for	for	ADP
fsr-3795	65	23	inflation	inflation	NOUN
fsr-3795	65	24	.	.	PUNCT
fsr-3795	66	1	alternative	alternative	ADJ
fsr-3795	66	2	discount	discount	NOUN
fsr-3795	66	3	rates	rate	NOUN
fsr-3795	66	4	have	have	VERB
fsr-3795	66	5	no	no	DET
fsr-3795	66	6	significant	significant	ADJ
fsr-3795	66	7	impact	impact	NOUN
fsr-3795	66	8	on	on	ADP
fsr-3795	66	9	the	the	DET
fsr-3795	66	10	resuits	resuit	NOUN
fsr-3795	66	11	of	of	ADP
fsr-3795	66	12	this	this	DET
fsr-3795	66	13	study	study	NOUN
fsr-3795	66	14	.	.	PUNCT
fsr-3795	67	1	complete	complete	ADJ
fsr-3795	67	2	definitions	definition	NOUN
fsr-3795	67	3	of	of	ADP
fsr-3795	67	4	this	this	DET
fsr-3795	67	5	study	study	NOUN
fsr-3795	67	6	’s	’s	PART
fsr-3795	67	7	asset	asset	NOUN
fsr-3795	67	8	and	and	CCONJ
fsr-3795	67	9	wealth	wealth	NOUN
fsr-3795	67	10	measures	measure	NOUN
fsr-3795	67	11	are	be	AUX
fsr-3795	67	12	as	as	SCONJ
fsr-3795	67	13	follows	follow	VERB
fsr-3795	67	14	:	:	PUNCT
fsr-3795	67	15	risky	risky	ADJ
fsr-3795	67	16	assets	asset	NOUN
fsr-3795	67	17	:	:	PUNCT
fsr-3795	67	18	the	the	DET
fsr-3795	67	19	market	market	NOUN
fsr-3795	67	20	value	value	NOUN
fsr-3795	67	21	of	of	ADP
fsr-3795	67	22	all	all	DET
fsr-3795	67	23	real	real	ADJ
fsr-3795	67	24	estate	estate	NOUN
fsr-3795	67	25	held	hold	VERB
fsr-3795	67	26	for	for	ADP
fsr-3795	67	27	investment	investment	NOUN
fsr-3795	67	28	purposes	purpose	NOUN
fsr-3795	67	29	,	,	PUNCT
fsr-3795	67	30	the	the	DET
fsr-3795	67	31	mar	mar	PROPN
fsr-3795	67	32	ket	ket	NOUN
fsr-3795	67	33	value	value	NOUN
fsr-3795	67	34	of	of	ADP
fsr-3795	67	35	mutual	mutual	ADJ
fsr-3795	67	36	funds	fund	NOUN
fsr-3795	67	37	,	,	PUNCT
fsr-3795	67	38	corporate	corporate	ADJ
fsr-3795	67	39	stock	stock	NOUN
fsr-3795	67	40	,	,	PUNCT
fsr-3795	67	41	and	and	CCONJ
fsr-3795	67	42	precious	precious	ADJ
fsr-3795	67	43	metals	metal	NOUN
fsr-3795	67	44	,	,	PUNCT
fsr-3795	67	45	the	the	DET
fsr-3795	67	46	face	face	NOUN
fsr-3795	67	47	value	value	NOUN
fsr-3795	67	48	of	of	ADP
fsr-3795	67	49	all	all	DET
fsr-3795	67	50	cor	cor	PROPN
fsr-3795	67	51	porate	porate	ADJ
fsr-3795	67	52	and	and	CCONJ
fsr-3795	67	53	government	government	NOUN
fsr-3795	67	54	bonds	bond	NOUN
fsr-3795	67	55	,	,	PUNCT
fsr-3795	67	56	mounts	mount	NOUN
fsr-3795	67	57	accumulated	accumulate	VERB
fsr-3795	67	58	in	in	ADP
fsr-3795	67	59	all	all	DET
fsr-3795	67	60	other	other	ADJ
fsr-3795	67	61	pension	pension	NOUN
fsr-3795	67	62	accounts	account	NOUN
fsr-3795	67	63	,	,	PUNCT
fsr-3795	67	64	loans	loan	NOUN
fsr-3795	67	65	to	to	ADP
fsr-3795	67	66	individuals	individual	NOUN
fsr-3795	67	67	,	,	PUNCT
fsr-3795	67	68	and	and	CCONJ
fsr-3795	67	69	an	an	DET
fsr-3795	67	70	estimate	estimate	NOUN
fsr-3795	67	71	of	of	ADP
fsr-3795	67	72	human	human	ADJ
fsr-3795	67	73	capital	capital	NOUN
fsr-3795	67	74	.	.	PUNCT
fsr-3795	68	1	risk	risk	NOUN
fsr-3795	68	2	-	-	PUNCT
fsr-3795	68	3	free	free	ADJ
fsr-3795	68	4	assets	asset	NOUN
fsr-3795	68	5	:	:	PUNCT
fsr-3795	68	6	checking	checking	NOUN
fsr-3795	68	7	and	and	CCONJ
fsr-3795	68	8	savings	saving	NOUN
fsr-3795	68	9	balances	balance	NOUN
fsr-3795	68	10	,	,	PUNCT
fsr-3795	68	11	money	money	NOUN
fsr-3795	68	12	market	market	NOUN
fsr-3795	68	13	accounts	account	NOUN
fsr-3795	68	14	,	,	PUNCT
fsr-3795	68	15	u.s	u.s	PROPN
fsr-3795	68	16	.	.	PROPN
fsr-3795	68	17	sav	sav	PROPN
fsr-3795	68	18	ings	ing	NOUN
fsr-3795	68	19	bonds	bond	NOUN
fsr-3795	68	20	,	,	PUNCT
fsr-3795	68	21	cash	cash	NOUN
fsr-3795	68	22	value	value	NOUN
fsr-3795	68	23	of	of	ADP
fsr-3795	68	24	life	life	NOUN
fsr-3795	68	25	insurance	insurance	NOUN
fsr-3795	68	26	,	,	PUNCT
fsr-3795	68	27	call	call	VERB
fsr-3795	68	28	account	account	NOUN
fsr-3795	68	29	balances	balance	NOUN
fsr-3795	68	30	,	,	PUNCT
fsr-3795	68	31	certificates	certificate	NOUN
fsr-3795	68	32	of	of	ADP
fsr-3795	68	33	deposit	deposit	NOUN
fsr-3795	68	34	,	,	PUNCT
fsr-3795	68	35	other	other	ADJ
fsr-3795	68	36	cash	cash	NOUN
fsr-3795	68	37	balances	balance	NOUN
fsr-3795	68	38	,	,	PUNCT
fsr-3795	68	39	and	and	CCONJ
fsr-3795	68	40	iralkeogh	iralkeogh	VERB
fsr-3795	68	41	balances	balance	NOUN
fsr-3795	68	42	in	in	ADP
fsr-3795	68	43	cds	cd	NOUN
fsr-3795	68	44	or	or	CCONJ
fsr-3795	68	45	money	money	NOUN
fsr-3795	68	46	market	market	NOUN
fsr-3795	68	47	accounts	account	NOUN
fsr-3795	68	48	.	.	PUNCT
fsr-3795	69	1	wealth	wealth	NOUN
fsr-3795	69	2	:	:	PUNCT
fsr-3795	69	3	risky	risky	ADJ
fsr-3795	69	4	plus	plus	CCONJ
fsr-3795	69	5	risk	risk	NOUN
fsr-3795	69	6	-	-	PUNCT
fsr-3795	69	7	free	free	ADJ
fsr-3795	69	8	assets	asset	NOUN
fsr-3795	69	9	minus	minus	ADP
fsr-3795	69	10	the	the	DET
fsr-3795	69	11	value	value	NOUN
fsr-3795	69	12	of	of	ADP
fsr-3795	69	13	mortgage	mortgage	NOUN
fsr-3795	69	14	and	and	CCONJ
fsr-3795	69	15	consumer	consumer	NOUN
fsr-3795	69	16	debt	debt	NOUN
fsr-3795	69	17	outstanding	outstanding	ADJ
fsr-3795	69	18	.	.	PUNCT
fsr-3795	70	1	the	the	DET
fsr-3795	70	2	market	market	NOUN
fsr-3795	70	3	values	value	NOUN
fsr-3795	70	4	of	of	ADP
fsr-3795	70	5	those	those	DET
fsr-3795	70	6	assets	asset	NOUN
fsr-3795	70	7	that	that	PRON
fsr-3795	70	8	could	could	AUX
fsr-3795	70	9	be	be	AUX
fsr-3795	70	10	held	hold	VERB
fsr-3795	70	11	for	for	ADP
fsr-3795	70	12	consumption	consumption	NOUN
fsr-3795	70	13	as	as	ADV
fsr-3795	70	14	well	well	ADV
fsr-3795	70	15	as	as	ADP
fsr-3795	70	16	investment	investment	NOUN
fsr-3795	70	17	purposes	purpose	NOUN
fsr-3795	70	18	(	(	PUNCT
fsr-3795	70	19	vehicles	vehicle	NOUN
fsr-3795	70	20	,	,	PUNCT
fsr-3795	70	21	recreational	recreational	ADJ
fsr-3795	70	22	craft	craft	NOUN
fsr-3795	70	23	,	,	PUNCT
fsr-3795	70	24	and	and	CCONJ
fsr-3795	70	25	residential	residential	ADJ
fsr-3795	70	26	and	and	CCONJ
fsr-3795	70	27	personal	personal	ADJ
fsr-3795	70	28	property	property	NOUN
fsr-3795	70	29	)	)	PUNCT
fsr-3795	70	30	risk	risk	NOUN
fsr-3795	70	31	aversion	aversion	NOUN
fsr-3795	70	32	measures	measure	NOUN
fsr-3795	70	33	91	91	NUM
fsr-3795	70	34	are	be	AUX
fsr-3795	70	35	excluded	exclude	VERB
fsr-3795	70	36	,	,	PUNCT
fsr-3795	70	37	as	as	SCONJ
fsr-3795	70	38	is	be	AUX
fsr-3795	70	39	the	the	DET
fsr-3795	70	40	value	value	NOUN
fsr-3795	70	41	of	of	ADP
fsr-3795	70	42	outstanding	outstanding	ADJ
fsr-3795	70	43	debt	debt	NOUN
fsr-3795	70	44	incurred	incur	VERB
fsr-3795	70	45	to	to	PART
fsr-3795	70	46	accumulate	accumulate	VERB
fsr-3795	70	47	these	these	DET
fsr-3795	70	48	assets	asset	NOUN
fsr-3795	70	49	.	.	PUNCT
fsr-3795	71	1	only	only	ADV
fsr-3795	71	2	personal	personal	ADJ
fsr-3795	71	3	assets	asset	NOUN
fsr-3795	71	4	and	and	CCONJ
fsr-3795	71	5	liabilities	liability	NOUN
fsr-3795	71	6	are	be	AUX
fsr-3795	71	7	included	include	VERB
fsr-3795	71	8	in	in	ADP
fsr-3795	71	9	these	these	DET
fsr-3795	71	10	measures	measure	NOUN
fsr-3795	71	11	;	;	PUNCT
fsr-3795	71	12	those	those	PRON
fsr-3795	71	13	owned	own	VERB
fsr-3795	71	14	or	or	CCONJ
fsr-3795	71	15	owed	owe	VERB
fsr-3795	71	16	by	by	ADP
fsr-3795	71	17	busi	busi	NOUN
fsr-3795	71	18	nesses	ness	NOUN
fsr-3795	71	19	are	be	AUX
fsr-3795	71	20	excluded	exclude	VERB
fsr-3795	71	21	.	.	PUNCT
fsr-3795	72	1	the	the	DET
fsr-3795	72	2	sampling	sample	VERB
fsr-3795	72	3	design	design	NOUN
fsr-3795	72	4	employed	employ	VERB
fsr-3795	72	5	with	with	ADP
fsr-3795	72	6	this	this	DET
fsr-3795	72	7	survey	survey	NOUN
fsr-3795	72	8	yielded	yield	VERB
fsr-3795	72	9	a	a	DET
fsr-3795	72	10	sample	sample	NOUN
fsr-3795	72	11	of	of	ADP
fsr-3795	72	12	households	household	NOUN
fsr-3795	72	13	with	with	ADP
fsr-3795	72	14	an	an	DET
fsr-3795	72	15	average	average	NOUN
fsr-3795	72	16	of	of	ADP
fsr-3795	72	17	over	over	ADP
fsr-3795	72	18	$	$	SYM
fsr-3795	72	19	1	1	NUM
fsr-3795	72	20	million	million	NUM
fsr-3795	72	21	in	in	ADP
fsr-3795	72	22	wealth	wealth	NOUN
fsr-3795	72	23	.	.	PUNCT
fsr-3795	73	1	in	in	ADP
fsr-3795	73	2	order	order	NOUN
fsr-3795	73	3	to	to	PART
fsr-3795	73	4	make	make	VERB
fsr-3795	73	5	the	the	DET
fsr-3795	73	6	results	result	NOUN
fsr-3795	73	7	of	of	ADP
fsr-3795	73	8	the	the	DET
fsr-3795	73	9	study	study	NOUN
fsr-3795	73	10	more	more	ADV
fsr-3795	73	11	gen	gen	PROPN
fsr-3795	73	12	eralizable	eralizable	ADJ
fsr-3795	73	13	and	and	CCONJ
fsr-3795	73	14	comparable	comparable	ADJ
fsr-3795	73	15	to	to	ADP
fsr-3795	73	16	other	other	ADJ
fsr-3795	73	17	studies	study	NOUN
fsr-3795	73	18	,	,	PUNCT
fsr-3795	73	19	those	those	DET
fsr-3795	73	20	households	household	NOUN
fsr-3795	73	21	with	with	ADP
fsr-3795	73	22	wealth	wealth	NOUN
fsr-3795	73	23	greater	great	ADJ
fsr-3795	73	24	than	than	ADP
fsr-3795	73	25	$	$	SYM
fsr-3795	73	26	1	1	NUM
fsr-3795	73	27	million	million	NUM
fsr-3795	73	28	are	be	AUX
fsr-3795	73	29	excluded	exclude	VERB
fsr-3795	73	30	from	from	ADP
fsr-3795	73	31	further	further	ADJ
fsr-3795	73	32	analysis	analysis	NOUN
fsr-3795	73	33	.	.	PUNCT
fsr-3795	74	1	the	the	DET
fsr-3795	74	2	study	study	NOUN
fsr-3795	74	3	will	will	AUX
fsr-3795	74	4	focus	focus	VERB
fsr-3795	74	5	on	on	ADP
fsr-3795	74	6	the	the	DET
fsr-3795	74	7	2,239	2,239	NUM
fsr-3795	74	8	households	household	NOUN
fsr-3795	74	9	with	with	ADP
fsr-3795	74	10	positive	positive	ADJ
fsr-3795	74	11	wealth	wealth	NOUN
fsr-3795	74	12	of	of	ADP
fsr-3795	74	13	a	a	DET
fsr-3795	74	14	million	million	NUM
fsr-3795	74	15	dollars	dollar	NOUN
fsr-3795	74	16	or	or	CCONJ
fsr-3795	74	17	less	less	ADJ
fsr-3795	74	18	.	.	PUNCT
fsr-3795	75	1	table	table	NOUN
fsr-3795	75	2	1	1	NUM
fsr-3795	75	3	presents	present	VERB
fsr-3795	75	4	the	the	DET
fsr-3795	75	5	socioeconomic	socioeconomic	ADJ
fsr-3795	75	6	and	and	CCONJ
fsr-3795	75	7	attitudinal	attitudinal	ADJ
fsr-3795	75	8	characteristics	characteristic	NOUN
fsr-3795	75	9	of	of	ADP
fsr-3795	75	10	this	this	DET
fsr-3795	75	11	truncated	truncated	ADJ
fsr-3795	75	12	sample	sample	NOUN
fsr-3795	75	13	.	.	PUNCT
fsr-3795	76	1	even	even	ADV
fsr-3795	76	2	with	with	ADP
fsr-3795	76	3	the	the	DET
fsr-3795	76	4	sample	sample	NOUN
fsr-3795	76	5	truncation	truncation	NOUN
fsr-3795	76	6	,	,	PUNCT
fsr-3795	76	7	the	the	DET
fsr-3795	76	8	sample	sample	NOUN
fsr-3795	76	9	is	be	AUX
fsr-3795	76	10	relatively	relatively	ADV
fsr-3795	76	11	wealthy	wealthy	ADJ
fsr-3795	76	12	.	.	PUNCT
fsr-3795	77	1	mean	mean	VERB
fsr-3795	77	2	wealth	wealth	NOUN
fsr-3795	77	3	is	be	AUX
fsr-3795	77	4	nearly	nearly	ADV
fsr-3795	77	5	$	$	SYM
fsr-3795	77	6	295,000	295,000	NUM
fsr-3795	77	7	,	,	PUNCT
fsr-3795	77	8	median	median	ADJ
fsr-3795	77	9	wealth	wealth	NOUN
fsr-3795	77	10	is	be	AUX
fsr-3795	77	11	almost	almost	ADV
fsr-3795	77	12	$	$	SYM
fsr-3795	77	13	248,000	248,000	NUM
fsr-3795	77	14	,	,	PUNCT
fsr-3795	77	15	and	and	CCONJ
fsr-3795	77	16	average	average	ADJ
fsr-3795	77	17	household	household	NOUN
fsr-3795	77	18	income	income	NOUN
fsr-3795	77	19	is	be	AUX
fsr-3795	77	20	about	about	ADV
fsr-3795	77	21	$	$	SYM
fsr-3795	77	22	43,000	43,000	NUM
fsr-3795	77	23	.	.	PUNCT
fsr-3795	78	1	but	but	CCONJ
fsr-3795	78	2	the	the	DET
fsr-3795	78	3	median	median	ADJ
fsr-3795	78	4	household	household	NOUN
fsr-3795	78	5	income	income	NOUN
fsr-3795	78	6	of	of	ADP
fsr-3795	78	7	$	$	SYM
fsr-3795	78	8	30,000	30,000	NUM
fsr-3795	78	9	is	be	AUX
fsr-3795	78	10	comparable	comparable	ADJ
fsr-3795	78	11	to	to	ADP
fsr-3795	78	12	the	the	DET
fsr-3795	78	13	national	national	ADJ
fsr-3795	78	14	1988	1988	NUM
fsr-3795	78	15	median	median	NOUN
fsr-3795	78	16	of	of	ADP
fsr-3795	78	17	$	$	SYM
fsr-3795	78	18	27,225	27,225	NUM
fsr-3795	78	19	(	(	PUNCT
fsr-3795	78	20	u.s	u.s	PROPN
fsr-3795	78	21	.	.	PROPN
fsr-3795	78	22	bureau	bureau	PROPN
fsr-3795	78	23	of	of	ADP
fsr-3795	78	24	the	the	DET
fsr-3795	78	25	census	census	NOUN
fsr-3795	78	26	,	,	PUNCT
fsr-3795	78	27	1992	1992	NUM
fsr-3795	78	28	)	)	PUNCT
fsr-3795	78	29	.	.	PUNCT
fsr-3795	79	1	respondents	respondent	NOUN
fsr-3795	79	2	generally	generally	ADV
fsr-3795	79	3	feel	feel	VERB
fsr-3795	79	4	that	that	SCONJ
fsr-3795	79	5	there	there	PRON
fsr-3795	79	6	is	be	VERB
fsr-3795	79	7	only	only	ADV
fsr-3795	79	8	an	an	DET
fsr-3795	79	9	average	average	ADJ
fsr-3795	79	10	risk	risk	NOUN
fsr-3795	79	11	of	of	ADP
fsr-3795	79	12	a	a	DET
fsr-3795	79	13	major	major	ADJ
fsr-3795	79	14	depression	depression	NOUN
fsr-3795	79	15	in	in	ADP
fsr-3795	79	16	the	the	DET
fsr-3795	79	17	u.s	u.s	PROPN
fsr-3795	79	18	.	.	PROPN
fsr-3795	79	19	economy	economy	NOUN
fsr-3795	79	20	over	over	ADP
fsr-3795	79	21	the	the	DET
fsr-3795	79	22	next	next	ADJ
fsr-3795	79	23	10	10	NUM
fsr-3795	79	24	years	year	NOUN
fsr-3795	79	25	.	.	PUNCT
fsr-3795	80	1	the	the	DET
fsr-3795	80	2	risk	risk	NOUN
fsr-3795	80	3	of	of	ADP
fsr-3795	80	4	double	double	ADJ
fsr-3795	80	5	-	-	PUNCT
fsr-3795	80	6	digit	digit	NOUN
fsr-3795	80	7	inflation	inflation	NOUN
fsr-3795	80	8	during	during	ADP
fsr-3795	80	9	the	the	DET
fsr-3795	80	10	same	same	ADJ
fsr-3795	80	11	time	time	NOUN
fsr-3795	80	12	period	period	NOUN
fsr-3795	80	13	is	be	AUX
fsr-3795	80	14	believed	believe	VERB
fsr-3795	80	15	to	to	PART
fsr-3795	80	16	be	be	AUX
fsr-3795	80	17	slightly	slightly	ADV
fsr-3795	80	18	higher	high	ADJ
fsr-3795	80	19	.	.	PUNCT
fsr-3795	81	1	on	on	ADP
fsr-3795	81	2	average	average	ADJ
fsr-3795	81	3	,	,	PUNCT
fsr-3795	81	4	respondents	respondent	NOUN
fsr-3795	81	5	do	do	AUX
fsr-3795	81	6	not	not	PART
fsr-3795	81	7	believe	believe	VERB
fsr-3795	81	8	that	that	SCONJ
fsr-3795	81	9	their	their	PRON
fsr-3795	81	10	expected	expect	VERB
fsr-3795	81	11	or	or	CCONJ
fsr-3795	81	12	current	current	ADJ
fsr-3795	81	13	retire	retire	NOUN
fsr-3795	81	14	ment	ment	NOUN
fsr-3795	81	15	income	income	NOUN
fsr-3795	81	16	from	from	ADP
fsr-3795	81	17	social	social	ADJ
fsr-3795	81	18	security	security	NOUN
fsr-3795	81	19	and	and	CCONJ
fsr-3795	81	20	pensions	pension	NOUN
fsr-3795	81	21	is	be	AUX
fsr-3795	81	22	adequate	adequate	ADJ
fsr-3795	81	23	to	to	PART
fsr-3795	81	24	maintain	maintain	VERB
fsr-3795	81	25	their	their	PRON
fsr-3795	81	26	living	live	VERB
fsr-3795	81	27	stan	stan	PROPN
fsr-3795	81	28	dard	dard	PROPN
fsr-3795	81	29	.	.	PUNCT
fsr-3795	82	1	at	at	ADP
fsr-3795	82	2	the	the	DET
fsr-3795	82	3	same	same	ADJ
fsr-3795	82	4	time	time	NOUN
fsr-3795	82	5	,	,	PUNCT
fsr-3795	82	6	50	50	NUM
fsr-3795	82	7	percent	percent	NOUN
fsr-3795	82	8	of	of	ADP
fsr-3795	82	9	the	the	DET
fsr-3795	82	10	respondents	respondent	NOUN
fsr-3795	82	11	believe	believe	VERB
fsr-3795	82	12	that	that	SCONJ
fsr-3795	82	13	leaving	leave	VERB
fsr-3795	82	14	an	an	DET
fsr-3795	82	15	inheritance	inheritance	NOUN
fsr-3795	82	16	or	or	CCONJ
fsr-3795	82	17	estate	estate	NOUN
fsr-3795	82	18	is	be	AUX
fsr-3795	82	19	important	important	ADJ
fsr-3795	82	20	.	.	PUNCT
fsr-3795	83	1	table	table	NOUN
fsr-3795	83	2	1	1	NUM
fsr-3795	83	3	socioeconomic	socioeconomic	ADJ
fsr-3795	83	4	and	and	CCONJ
fsr-3795	83	5	attitudinal	attitudinal	ADJ
fsr-3795	83	6	characteristics	characteristic	NOUN
fsr-3795	83	7	of	of	ADP
fsr-3795	83	8	the	the	DET
fsr-3795	83	9	sample	sample	NOUN
fsr-3795	83	10	(	(	PUNCT
fsr-3795	83	11	n=2239	n=2239	PROPN
fsr-3795	83	12	)	)	PUNCT
fsr-3795	83	13	financial	financial	ADJ
fsr-3795	83	14	characteristics	characteristic	NOUN
fsr-3795	83	15	risk	risk	NOUN
fsr-3795	83	16	-	-	PUNCT
fsr-3795	83	17	free	free	ADJ
fsr-3795	83	18	assets	asset	NOUN
fsr-3795	83	19	risky	risky	ADJ
fsr-3795	83	20	assets	asset	NOUN
fsr-3795	83	21	human	human	ADJ
fsr-3795	83	22	capital	capital	NOUN
fsr-3795	83	23	wealth	wealth	NOUN
fsr-3795	83	24	risky	risky	ADJ
fsr-3795	83	25	assets	asset	NOUN
fsr-3795	83	26	/	/	SYM
fsr-3795	83	27	wealth	wealth	NOUN
fsr-3795	83	28	household	household	NOUN
fsr-3795	83	29	income	income	NOUN
fsr-3795	83	30	net	net	ADJ
fsr-3795	83	31	worth	worth	ADJ
fsr-3795	83	32	mean	mean	NOUN
fsr-3795	83	33	value	value	VERB
fsr-3795	83	34	$	$	SYM
fsr-3795	83	35	29,586	29,586	NUM
fsr-3795	83	36	$	$	SYM
fsr-3795	83	37	277,616	277,616	NUM
fsr-3795	83	38	$	$	SYM
fsr-3795	83	39	213,511	213,511	NUM
fsr-3795	83	40	$	$	SYM
fsr-3795	83	41	294,825	294,825	NUM
fsr-3795	83	42	0.807	0.807	NUM
fsr-3795	83	43	$	$	SYM
fsr-3795	83	44	42,835	42,835	NUM
fsr-3795	83	45	$	$	SYM
fsr-3795	83	46	162,935	162,935	NUM
fsr-3795	83	47	(	(	PUNCT
fsr-3795	83	48	all	all	DET
fsr-3795	83	49	assets	asset	NOUN
fsr-3795	83	50	all	all	DET
fsr-3795	83	51	debt	debt	NOUN
fsr-3795	83	52	,	,	PUNCT
fsr-3795	83	53	excluding	exclude	VERB
fsr-3795	83	54	human	human	ADJ
fsr-3795	83	55	capital	capital	NOUN
fsr-3795	83	56	)	)	PUNCT
fsr-3795	83	57	non	non	ADJ
fsr-3795	83	58	-	-	ADJ
fsr-3795	83	59	employed	employed	ADJ
fsr-3795	83	60	(	(	PUNCT
fsr-3795	83	61	no	no	DET
fsr-3795	83	62	full	full	ADJ
fsr-3795	83	63	-	-	PUNCT
fsr-3795	83	64	time	time	NOUN
fsr-3795	83	65	employment	employment	NOUN
fsr-3795	83	66	)	)	PUNCT
fsr-3795	83	67	29.9	29.9	NUM
fsr-3795	83	68	%	%	NOUN
fsr-3795	83	69	attitude	attitude	NOUN
fsr-3795	83	70	the	the	DET
fsr-3795	83	71	economy	economy	NOUN
fsr-3795	83	72	over	over	ADP
fsr-3795	83	73	the	the	DET
fsr-3795	83	74	next	next	ADJ
fsr-3795	83	75	10	10	NUM
fsr-3795	83	76	years	year	NOUN
fsr-3795	83	77	risk	risk	NOUN
fsr-3795	83	78	of	of	ADP
fsr-3795	83	79	major	major	ADJ
fsr-3795	83	80	depression	depression	NOUN
fsr-3795	83	81	risk	risk	NOUN
fsr-3795	83	82	of	of	ADP
fsr-3795	83	83	double	double	ADJ
fsr-3795	83	84	digit	digit	NOUN
fsr-3795	83	85	inflation	inflation	NOUN
fsr-3795	83	86	0	0	NUM
fsr-3795	84	1	=	=	PUNCT
fsr-3795	84	2	no	no	DET
fsr-3795	84	3	risk	risk	NOUN
fsr-3795	84	4	,	,	PUNCT
fsr-3795	84	5	lo	lo	PROPN
fsr-3795	84	6	=	=	NOUN
fsr-3795	84	7	very	very	ADV
fsr-3795	84	8	great	great	ADJ
fsr-3795	84	9	risk	risk	NOUN
fsr-3795	84	10	mean	mean	NOUN
fsr-3795	84	11	rating	rate	VERB
fsr-3795	84	12	5.24	5.24	NUM
fsr-3795	84	13	5.11	5.11	NUM
fsr-3795	84	14	attitude	attitude	NOUN
fsr-3795	84	15	-retirement	-retirement	NOUN
fsr-3795	84	16	income	income	NOUN
fsr-3795	84	17	rating	rating	NOUN
fsr-3795	84	18	of	of	ADP
fsr-3795	84	19	adequacy	adequacy	NOUN
fsr-3795	84	20	o	o	NOUN
fsr-3795	84	21	=	=	ADJ
fsr-3795	84	22	totally	totally	ADV
fsr-3795	84	23	inadequate	inadequate	ADJ
fsr-3795	84	24	5	5	NUM
fsr-3795	84	25	=	=	NOUN
fsr-3795	84	26	enough	enough	ADJ
fsr-3795	84	27	to	to	PART
fsr-3795	84	28	maintain	maintain	VERB
fsr-3795	84	29	living	living	NOUN
fsr-3795	84	30	standards	standard	NOUN
fsr-3795	85	1	lo	lo	NOUN
fsr-3795	85	2	=	=	ADJ
fsr-3795	85	3	very	very	ADV
fsr-3795	85	4	satisfactory	satisfactory	ADJ
fsr-3795	85	5	mean	mean	NOUN
fsr-3795	85	6	rating	rating	NOUN
fsr-3795	85	7	3.81	3.81	NUM
fsr-3795	85	8	attitude	attitude	NOUN
fsr-3795	85	9	-leaving	-leave	VERB
fsr-3795	85	10	an	an	DET
fsr-3795	85	11	estate	estate	NOUN
fsr-3795	85	12	distribution	distribution	NOUN
fsr-3795	85	13	(	(	PUNCT
fsr-3795	85	14	%	%	INTJ
fsr-3795	85	15	)	)	PUNCT
fsr-3795	85	16	very	very	ADV
fsr-3795	85	17	important	important	ADJ
fsr-3795	85	18	19.2	19.2	NUM
fsr-3795	85	19	important	important	ADJ
fsr-3795	85	20	30.8	30.8	NUM
fsr-3795	85	21	respondent	respondent	NOUN
fsr-3795	85	22	and	and	CCONJ
fsr-3795	85	23	partner	partner	NOUN
fsr-3795	85	24	differ	differ	VERB
fsr-3795	85	25	1.1	1.1	NUM
fsr-3795	85	26	somewhat	somewhat	ADV
fsr-3795	85	27	important	important	ADJ
fsr-3795	85	28	27.9	27.9	NUM
fsr-3795	85	29	not	not	PART
fsr-3795	85	30	important	important	ADJ
fsr-3795	85	31	21.0	21.0	NUM
fsr-3795	85	32	92	92	NUM
fsr-3795	85	33	financial	financial	ADJ
fsr-3795	85	34	services	service	NOUN
fsr-3795	85	35	review	review	VERB
fsr-3795	85	36	5(2	5(2	NUM
fsr-3795	85	37	)	)	PUNCT
fsr-3795	85	38	1996	1996	NUM
fsr-3795	85	39	table	table	NOUN
fsr-3795	85	40	1	1	NUM
fsr-3795	85	41	(	(	PUNCT
fsr-3795	85	42	continued	continued	ADJ
fsr-3795	85	43	)	)	PUNCT
fsr-3795	85	44	characteristic	characteristic	NOUN
fsr-3795	85	45	of	of	ADP
fsr-3795	85	46	head	head	NOUN
fsr-3795	85	47	of	of	ADP
fsr-3795	85	48	household	household	NOUN
fsr-3795	85	49	distribution	distribution	NOUN
fsr-3795	85	50	(	(	PUNCT
fsr-3795	85	51	a	a	X
fsr-3795	85	52	)	)	PUNCT
fsr-3795	85	53	mean	mean	NOUN
fsr-3795	85	54	ratio	ratio	NOUN
fsr-3795	85	55	risky	risky	ADJ
fsr-3795	85	56	assets	asset	NOUN
fsr-3795	85	57	/	/	SYM
fsr-3795	85	58	wealth	wealth	NOUN
fsr-3795	85	59	life	life	NOUN
fsr-3795	85	60	cycle	cycle	NOUN
fsr-3795	85	61	:	:	PUNCT
fsr-3795	85	62	single	single	ADJ
fsr-3795	85	63	,	,	PUNCT
fsr-3795	85	64	<	<	X
fsr-3795	85	65	45	45	NUM
fsr-3795	85	66	yr	yr	NOUN
fsr-3795	85	67	,	,	PUNCT
fsr-3795	85	68	no	no	DET
fsr-3795	85	69	children	child	NOUN
fsr-3795	85	70	9.8	9.8	NUM
fsr-3795	85	71	single	single	ADJ
fsr-3795	85	72	parent	parent	NOUN
fsr-3795	85	73	,	,	PUNCT
fsr-3795	85	74	any	any	DET
fsr-3795	85	75	age	age	NOUN
fsr-3795	85	76	5.8	5.8	NUM
fsr-3795	85	77	married	marry	VERB
fsr-3795	85	78	or	or	CCONJ
fsr-3795	85	79	with	with	ADP
fsr-3795	85	80	partner	partner	NOUN
fsr-3795	85	81	,	,	PUNCT
fsr-3795	85	82	<	<	X
fsr-3795	85	83	45	45	NUM
fsr-3795	85	84	yr	yr	NOUN
fsr-3795	85	85	28.5	28.5	NUM
fsr-3795	85	86	older	old	ADJ
fsr-3795	85	87	,	,	PUNCT
fsr-3795	85	88	in	in	ADP
fsr-3795	85	89	labor	labor	NOUN
fsr-3795	85	90	force	force	NOUN
fsr-3795	85	91	,	,	PUNCT
fsr-3795	85	92	2	2	NUM
fsr-3795	85	93	45	45	NUM
fsr-3795	85	94	yr	yr	NOUN
fsr-3795	85	95	31.6	31.6	NUM
fsr-3795	85	96	older	old	ADJ
fsr-3795	85	97	,	,	PUNCT
fsr-3795	85	98	retired	retire	VERB
fsr-3795	85	99	,	,	PUNCT
fsr-3795	85	100	not	not	PART
fsr-3795	85	101	in	in	ADP
fsr-3795	85	102	labor	labor	NOUN
fsr-3795	85	103	force	force	NOUN
fsr-3795	85	104	,	,	PUNCT
fsr-3795	85	105	2	2	NUM
fsr-3795	85	106	45	45	NUM
fsr-3795	85	107	yr	yr	NOUN
fsr-3795	85	108	24.3	24.3	NUM
fsr-3795	85	109	marital	marital	ADJ
fsr-3795	85	110	status	status	NOUN
fsr-3795	85	111	:	:	PUNCT
fsr-3795	85	112	married	married	ADJ
fsr-3795	85	113	or	or	CCONJ
fsr-3795	85	114	living	live	VERB
fsr-3795	85	115	with	with	ADP
fsr-3795	85	116	partner	partner	NOUN
fsr-3795	85	117	single	single	ADJ
fsr-3795	85	118	gender	gender	NOUN
fsr-3795	85	119	:	:	PUNCT
fsr-3795	85	120	male	male	ADJ
fsr-3795	85	121	female	female	ADJ
fsr-3795	85	122	race	race	NOUN
fsr-3795	85	123	:	:	PUNCT
fsr-3795	85	124	white	white	ADJ
fsr-3795	85	125	black	black	ADJ
fsr-3795	85	126	hispanic	hispanic	ADJ
fsr-3795	85	127	asian	asian	ADJ
fsr-3795	85	128	/	/	SYM
fsr-3795	85	129	american	american	PROPN
fsr-3795	85	130	indian	indian	PROPN
fsr-3795	85	131	/	/	SYM
fsr-3795	85	132	other	other	ADJ
fsr-3795	85	133	education	education	NOUN
fsr-3795	85	134	:	:	PUNCT
fsr-3795	85	135	no	no	DET
fsr-3795	85	136	high	high	ADJ
fsr-3795	85	137	school	school	NOUN
fsr-3795	85	138	diploma	diploma	NOUN
fsr-3795	85	139	high	high	ADJ
fsr-3795	85	140	school	school	NOUN
fsr-3795	85	141	diploma	diploma	NOUN
fsr-3795	85	142	some	some	DET
fsr-3795	85	143	college	college	NOUN
fsr-3795	85	144	college	college	NOUN
fsr-3795	85	145	degrees	degree	NOUN
fsr-3795	85	146	65.2	65.2	NUM
fsr-3795	85	147	34.8	34.8	NUM
fsr-3795	85	148	76.8	76.8	NUM
fsr-3795	85	149	23.2	23.2	NUM
fsr-3795	85	150	81.0	81.0	NUM
fsr-3795	85	151	9.3	9.3	NUM
fsr-3795	85	152	5.6	5.6	NUM
fsr-3795	85	153	4.1	4.1	NUM
fsr-3795	85	154	21.5	21.5	NUM
fsr-3795	85	155	32.0	32.0	NUM
fsr-3795	85	156	20.1	20.1	NUM
fsr-3795	85	157	26.4	26.4	NUM
fsr-3795	85	158	0.939	0.939	NUM
fsr-3795	85	159	0.849	0.849	NUM
fsr-3795	85	160	0.998	0.998	NUM
fsr-3795	85	161	0.904	0.904	NUM
fsr-3795	85	162	0.397	0.397	NUM
fsr-3795	85	163	f	f	X
fsr-3795	86	1	=	=	PUNCT
fsr-3795	87	1	269.9	269.9	NUM
fsr-3795	87	2	*	*	NUM
fsr-3795	87	3	0.868	0.868	NUM
fsr-3795	87	4	0.695	0.695	NUM
fsr-3795	87	5	f	f	X
fsr-3795	87	6	=	=	SYM
fsr-3795	88	1	92.0	92.0	NUM
fsr-3795	88	2	*	*	NUM
fsr-3795	88	3	0.859	0.859	NUM
fsr-3795	88	4	0.639	0.639	NUM
fsr-3795	88	5	f	f	X
fsr-3795	88	6	=	=	SYM
fsr-3795	88	7	116.7	116.7	NUM
fsr-3795	88	8	*	*	PUNCT
fsr-3795	88	9	0.800	0.800	NUM
fsr-3795	88	10	0.824	0.824	NUM
fsr-3795	88	11	0.904	0.904	NUM
fsr-3795	88	12	0.885	0.885	NUM
fsr-3795	88	13	f	f	X
fsr-3795	88	14	=	=	SYM
fsr-3795	88	15	3.98	3.98	NUM
fsr-3795	88	16	*	*	NUM
fsr-3795	88	17	0.608	0.608	NUM
fsr-3795	88	18	0.824	0.824	NUM
fsr-3795	88	19	0.870	0.870	NUM
fsr-3795	88	20	0.904	0.904	NUM
fsr-3795	88	21	f	f	X
fsr-3795	89	1	=	=	PUNCT
fsr-3795	90	1	55.9	55.9	NUM
fsr-3795	90	2	*	*	NOUN
fsr-3795	90	3	notes	note	NOUN
fsr-3795	90	4	:	:	PUNCT
fsr-3795	90	5	*	*	PUNCT
fsr-3795	90	6	mean	mean	NOUN
fsr-3795	90	7	variables	variable	NOUN
fsr-3795	90	8	are	be	AUX
fsr-3795	90	9	significantly	significantly	ADV
fsr-3795	90	10	different	different	ADJ
fsr-3795	90	11	acrc	acrc	NOUN
fsr-3795	90	12	~	~	SYM
fsr-3795	90	13	ss	ss	NOUN
fsr-3795	90	14	groups	group	NOUN
fsr-3795	90	15	,	,	PUNCT
fsr-3795	90	16	at	at	ADP
fsr-3795	90	17	the	the	DET
fsr-3795	90	18	i	i	NOUN
fsr-3795	90	19	percent	percent	NOUN
fsr-3795	90	20	level	level	NOUN
fsr-3795	90	21	.	.	PUNCT
fsr-3795	91	1	f	f	PROPN
fsr-3795	91	2	statistic	statistic	PROPN
fsr-3795	91	3	is	be	AUX
fsr-3795	91	4	derived	derive	VERB
fsr-3795	91	5	from	from	ADP
fsr-3795	91	6	the	the	DET
fsr-3795	91	7	analysis	analysis	NOUN
fsr-3795	91	8	of	of	ADP
fsr-3795	91	9	the	the	DET
fsr-3795	91	10	combined	combine	VERB
fsr-3795	91	11	multiple	multiple	ADJ
fsr-3795	91	12	impulations	impulation	NOUN
fsr-3795	91	13	and	and	CCONJ
fsr-3795	91	14	can	can	AUX
fsr-3795	91	15	be	be	AUX
fsr-3795	91	16	interpreted	interpret	VERB
fsr-3795	91	17	here	here	ADV
fsr-3795	91	18	similarly	similarly	ADV
fsr-3795	91	19	to	to	ADP
fsr-3795	91	20	the	the	DET
fsr-3795	91	21	chi	chi	NOUN
fsr-3795	91	22	-	-	PUNCT
fsr-3795	91	23	squared	square	VERB
fsr-3795	91	24	statistic	statistic	NOUN
fsr-3795	91	25	.	.	PUNCT
fsr-3795	92	1	over	over	ADP
fsr-3795	92	2	50	50	NUM
fsr-3795	92	3	percent	percent	NOUN
fsr-3795	92	4	of	of	ADP
fsr-3795	92	5	the	the	DET
fsr-3795	92	6	household	household	NOUN
fsr-3795	92	7	heads	head	NOUN
fsr-3795	92	8	in	in	ADP
fsr-3795	92	9	the	the	DET
fsr-3795	92	10	sample	sample	NOUN
fsr-3795	92	11	are	be	AUX
fsr-3795	92	12	45	45	NUM
fsr-3795	92	13	years	year	NOUN
fsr-3795	92	14	of	of	ADP
fsr-3795	92	15	age	age	NOUN
fsr-3795	92	16	or	or	CCONJ
fsr-3795	92	17	older	old	ADJ
fsr-3795	92	18	,	,	PUNCT
fsr-3795	92	19	with	with	ADP
fsr-3795	92	20	over	over	ADP
fsr-3795	92	21	one	one	NUM
fsr-3795	92	22	-	-	PUNCT
fsr-3795	92	23	half	half	NOUN
fsr-3795	92	24	of	of	ADP
fsr-3795	92	25	those	those	PRON
fsr-3795	92	26	still	still	ADV
fsr-3795	92	27	in	in	ADP
fsr-3795	92	28	the	the	DET
fsr-3795	92	29	labor	labor	NOUN
fsr-3795	92	30	force	force	NOUN
fsr-3795	92	31	.	.	PUNCT
fsr-3795	93	1	about	about	ADV
fsr-3795	93	2	two	two	NUM
fsr-3795	93	3	-	-	PUNCT
fsr-3795	93	4	thirds	third	NOUN
fsr-3795	93	5	of	of	ADP
fsr-3795	93	6	the	the	DET
fsr-3795	93	7	respondents	respondent	NOUN
fsr-3795	93	8	are	be	AUX
fsr-3795	93	9	mar	mar	PROPN
fsr-3795	93	10	ried	rie	VERB
fsr-3795	93	11	or	or	CCONJ
fsr-3795	93	12	living	live	VERB
fsr-3795	93	13	as	as	ADP
fsr-3795	93	14	partners	partner	NOUN
fsr-3795	93	15	,	,	PUNCT
fsr-3795	93	16	and	and	CCONJ
fsr-3795	93	17	three	three	NUM
fsr-3795	93	18	-	-	PUNCT
fsr-3795	93	19	fourths	fourth	NOUN
fsr-3795	93	20	of	of	ADP
fsr-3795	93	21	the	the	DET
fsr-3795	93	22	households	household	NOUN
fsr-3795	93	23	are	be	AUX
fsr-3795	93	24	headed	head	VERB
fsr-3795	93	25	by	by	ADP
fsr-3795	93	26	males	male	NOUN
fsr-3795	93	27	.	.	PUNCT
fsr-3795	94	1	only	only	ADV
fsr-3795	94	2	19	19	NUM
fsr-3795	94	3	percent	percent	NOUN
fsr-3795	94	4	of	of	ADP
fsr-3795	94	5	the	the	DET
fsr-3795	94	6	respondents	respondent	NOUN
fsr-3795	94	7	are	be	AUX
fsr-3795	94	8	nonwhite	nonwhite	ADJ
fsr-3795	94	9	,	,	PUNCT
fsr-3795	94	10	and	and	CCONJ
fsr-3795	94	11	nearly	nearly	ADV
fsr-3795	94	12	50	50	NUM
fsr-3795	94	13	percent	percent	NOUN
fsr-3795	94	14	of	of	ADP
fsr-3795	94	15	the	the	DET
fsr-3795	94	16	heads	head	NOUN
fsr-3795	94	17	of	of	ADP
fsr-3795	94	18	household	household	NOUN
fsr-3795	94	19	have	have	VERB
fsr-3795	94	20	at	at	ADV
fsr-3795	94	21	least	least	ADJ
fsr-3795	94	22	some	some	PRON
fsr-3795	94	23	post	post	ADJ
fsr-3795	94	24	secondary	secondary	ADJ
fsr-3795	94	25	education	education	NOUN
fsr-3795	94	26	.	.	PUNCT
fsr-3795	95	1	a.	a.	NOUN
fsr-3795	95	2	univariate	univariate	ADJ
fsr-3795	95	3	analysis	analysis	NOUN
fsr-3795	95	4	the	the	DET
fsr-3795	95	5	univariate	univariate	ADJ
fsr-3795	95	6	analysis	analysis	NOUN
fsr-3795	95	7	presented	present	VERB
fsr-3795	95	8	in	in	ADP
fsr-3795	95	9	the	the	DET
fsr-3795	95	10	second	second	ADJ
fsr-3795	95	11	part	part	NOUN
fsr-3795	95	12	of	of	ADP
fsr-3795	95	13	table	table	NOUN
fsr-3795	95	14	1	1	NUM
fsr-3795	95	15	indicates	indicate	VERB
fsr-3795	95	16	that	that	SCONJ
fsr-3795	95	17	the	the	DET
fsr-3795	95	18	mean	mean	ADJ
fsr-3795	95	19	level	level	NOUN
fsr-3795	95	20	of	of	ADP
fsr-3795	95	21	risk	risk	NOUN
fsr-3795	95	22	taking	taking	NOUN
fsr-3795	95	23	,	,	PUNCT
fsr-3795	95	24	as	as	SCONJ
fsr-3795	95	25	defined	define	VERB
fsr-3795	95	26	by	by	ADP
fsr-3795	95	27	the	the	DET
fsr-3795	95	28	ratio	ratio	NOUN
fsr-3795	95	29	of	of	ADP
fsr-3795	95	30	risky	risky	ADJ
fsr-3795	95	31	assets	asset	NOUN
fsr-3795	95	32	to	to	ADP
fsr-3795	95	33	wealth	wealth	NOUN
fsr-3795	95	34	,	,	PUNCT
fsr-3795	95	35	does	do	AUX
fsr-3795	95	36	vary	vary	VERB
fsr-3795	95	37	significantly	significantly	ADV
fsr-3795	95	38	across	across	ADP
fsr-3795	95	39	demographic	demographic	ADJ
fsr-3795	95	40	groups	group	NOUN
fsr-3795	95	41	in	in	ADP
fsr-3795	95	42	the	the	DET
fsr-3795	95	43	sample	sample	NOUN
fsr-3795	95	44	.	.	PUNCT
fsr-3795	96	1	older	old	ADJ
fsr-3795	96	2	households	household	NOUN
fsr-3795	96	3	whose	whose	DET
fsr-3795	96	4	head	head	NOUN
fsr-3795	96	5	is	be	AUX
fsr-3795	96	6	no	no	ADV
fsr-3795	96	7	longer	long	ADV
fsr-3795	96	8	in	in	ADP
fsr-3795	96	9	the	the	DET
fsr-3795	96	10	labor	labor	NOUN
fsr-3795	96	11	force	force	NOUN
fsr-3795	96	12	have	have	VERB
fsr-3795	96	13	,	,	PUNCT
fsr-3795	96	14	on	on	ADP
fsr-3795	96	15	average	average	ADJ
fsr-3795	96	16	,	,	PUNCT
fsr-3795	96	17	less	less	ADJ
fsr-3795	96	18	than	than	ADP
fsr-3795	96	19	half	half	DET
fsr-3795	96	20	the	the	DET
fsr-3795	96	21	value	value	NOUN
fsr-3795	96	22	of	of	ADP
fsr-3795	96	23	risky	risky	ADJ
fsr-3795	96	24	assets	asset	NOUN
fsr-3795	96	25	per	per	ADP
fsr-3795	96	26	dollar	dollar	NOUN
fsr-3795	96	27	of	of	ADP
fsr-3795	96	28	wealth	wealth	NOUN
fsr-3795	96	29	than	than	ADP
fsr-3795	96	30	other	other	ADJ
fsr-3795	96	31	households	household	NOUN
fsr-3795	96	32	.	.	PUNCT
fsr-3795	97	1	these	these	DET
fsr-3795	97	2	households	household	NOUN
fsr-3795	97	3	have	have	VERB
fsr-3795	97	4	less	less	ADJ
fsr-3795	97	5	human	human	ADJ
fsr-3795	97	6	capital	capital	NOUN
fsr-3795	97	7	than	than	ADP
fsr-3795	97	8	those	those	PRON
fsr-3795	97	9	in	in	ADP
fsr-3795	97	10	other	other	ADJ
fsr-3795	97	11	cycles	cycle	NOUN
fsr-3795	97	12	of	of	ADP
fsr-3795	97	13	life	life	NOUN
fsr-3795	97	14	.	.	PUNCT
fsr-3795	98	1	households	household	NOUN
fsr-3795	98	2	consisting	consist	VERB
fsr-3795	98	3	of	of	ADP
fsr-3795	98	4	couples	couple	NOUN
fsr-3795	98	5	in	in	ADP
fsr-3795	98	6	their	their	PRON
fsr-3795	98	7	family	family	NOUN
fsr-3795	98	8	formation	formation	NOUN
fsr-3795	98	9	years	year	NOUN
fsr-3795	98	10	exhibit	exhibit	VERB
fsr-3795	98	11	the	the	DET
fsr-3795	98	12	highest	high	ADJ
fsr-3795	98	13	value	value	NOUN
fsr-3795	98	14	of	of	ADP
fsr-3795	98	15	risky	risky	ADJ
fsr-3795	98	16	assets	asset	NOUN
fsr-3795	98	17	per	per	ADP
fsr-3795	98	18	dollar	dollar	NOUN
fsr-3795	98	19	of	of	ADP
fsr-3795	98	20	wealth	wealth	NOUN
fsr-3795	98	21	.	.	PUNCT
fsr-3795	99	1	an	an	DET
fsr-3795	99	2	examination	examination	NOUN
fsr-3795	99	3	of	of	ADP
fsr-3795	99	4	marital	marital	ADJ
fsr-3795	99	5	status	status	NOUN
fsr-3795	99	6	reveals	reveal	VERB
fsr-3795	99	7	that	that	SCONJ
fsr-3795	99	8	single	single	ADJ
fsr-3795	99	9	respondents	respondent	NOUN
fsr-3795	99	10	have	have	VERB
fsr-3795	99	11	significantly	significantly	ADV
fsr-3795	99	12	fewer	few	ADJ
fsr-3795	99	13	risky	risky	ADJ
fsr-3795	99	14	assets	asset	NOUN
fsr-3795	99	15	per	per	ADP
fsr-3795	99	16	dollar	dollar	NOUN
fsr-3795	99	17	of	of	ADP
fsr-3795	99	18	wealth	wealth	NOUN
fsr-3795	99	19	than	than	ADP
fsr-3795	99	20	other	other	ADJ
fsr-3795	99	21	households	household	NOUN
fsr-3795	99	22	.	.	PUNCT
fsr-3795	100	1	one	one	NUM
fsr-3795	100	2	explanation	explanation	NOUN
fsr-3795	100	3	may	may	AUX
fsr-3795	100	4	be	be	AUX
fsr-3795	100	5	that	that	SCONJ
fsr-3795	100	6	households	household	NOUN
fsr-3795	100	7	of	of	ADP
fsr-3795	100	8	couples	couple	NOUN
fsr-3795	100	9	are	be	AUX
fsr-3795	100	10	more	more	ADV
fsr-3795	100	11	likely	likely	ADJ
fsr-3795	100	12	to	to	PART
fsr-3795	100	13	have	have	VERB
fsr-3795	100	14	two	two	NUM
fsr-3795	100	15	incomes	income	NOUN
fsr-3795	100	16	and	and	CCONJ
fsr-3795	100	17	thus	thus	ADV
fsr-3795	100	18	a	a	DET
fsr-3795	100	19	larger	large	ADJ
fsr-3795	100	20	amount	amount	NOUN
fsr-3795	100	21	of	of	ADP
fsr-3795	100	22	risk	risk	NOUN
fsr-3795	100	23	aversion	aversion	NOUN
fsr-3795	100	24	measures	measure	NOUN
fsr-3795	100	25	93	93	NUM
fsr-3795	100	26	human	human	ADJ
fsr-3795	100	27	capital	capital	NOUN
fsr-3795	100	28	.	.	PUNCT
fsr-3795	101	1	in	in	ADP
fsr-3795	101	2	addition	addition	NOUN
fsr-3795	101	3	,	,	PUNCT
fsr-3795	101	4	38	38	NUM
fsr-3795	101	5	percent	percent	NOUN
fsr-3795	101	6	of	of	ADP
fsr-3795	101	7	single	single	ADJ
fsr-3795	101	8	respondents	respondent	NOUN
fsr-3795	101	9	are	be	AUX
fsr-3795	101	10	in	in	ADP
fsr-3795	101	11	the	the	DET
fsr-3795	101	12	older	old	ADJ
fsr-3795	101	13	stage	stage	NOUN
fsr-3795	101	14	of	of	ADP
fsr-3795	101	15	the	the	DET
fsr-3795	101	16	life	life	NOUN
fsr-3795	101	17	cycle	cycle	NOUN
fsr-3795	101	18	and	and	CCONJ
fsr-3795	101	19	not	not	PART
fsr-3795	101	20	in	in	ADP
fsr-3795	101	21	the	the	DET
fsr-3795	101	22	labor	labor	NOUN
fsr-3795	101	23	force	force	NOUN
fsr-3795	101	24	.	.	PUNCT
fsr-3795	102	1	the	the	DET
fsr-3795	102	2	portfolios	portfolio	NOUN
fsr-3795	102	3	of	of	ADP
fsr-3795	102	4	households	household	NOUN
fsr-3795	102	5	headed	head	VERB
fsr-3795	102	6	by	by	ADP
fsr-3795	102	7	females	female	NOUN
fsr-3795	102	8	have	have	VERB
fsr-3795	102	9	sig	sig	NOUN
fsr-3795	102	10	nificantly	nificantly	ADV
fsr-3795	102	11	fewer	few	ADJ
fsr-3795	102	12	risky	risky	ADJ
fsr-3795	102	13	assets	asset	NOUN
fsr-3795	102	14	per	per	ADP
fsr-3795	102	15	dollar	dollar	NOUN
fsr-3795	102	16	of	of	ADP
fsr-3795	102	17	wealth	wealth	NOUN
fsr-3795	102	18	than	than	ADP
fsr-3795	102	19	those	those	PRON
fsr-3795	102	20	headed	head	VERB
fsr-3795	102	21	by	by	ADP
fsr-3795	102	22	males	male	NOUN
fsr-3795	102	23	.	.	PUNCT
fsr-3795	103	1	one	one	NUM
fsr-3795	103	2	reason	reason	NOUN
fsr-3795	103	3	for	for	ADP
fsr-3795	103	4	this	this	DET
fsr-3795	103	5	result	result	NOUN
fsr-3795	103	6	may	may	AUX
fsr-3795	103	7	be	be	AUX
fsr-3795	103	8	the	the	DET
fsr-3795	103	9	coding	code	VERB
fsr-3795	103	10	procedure	procedure	NOUN
fsr-3795	103	11	used	use	VERB
fsr-3795	103	12	in	in	ADP
fsr-3795	103	13	the	the	DET
fsr-3795	103	14	creation	creation	NOUN
fsr-3795	103	15	of	of	ADP
fsr-3795	103	16	the	the	DET
fsr-3795	103	17	data	datum	NOUN
fsr-3795	103	18	set	set	VERB
fsr-3795	103	19	,	,	PUNCT
fsr-3795	103	20	rather	rather	ADV
fsr-3795	103	21	than	than	ADP
fsr-3795	103	22	inher	inher	PROPN
fsr-3795	103	23	ent	ent	NOUN
fsr-3795	103	24	gender	gender	NOUN
fsr-3795	103	25	differences	difference	NOUN
fsr-3795	103	26	in	in	ADP
fsr-3795	103	27	risk	risk	NOUN
fsr-3795	103	28	aversion	aversion	NOUN
fsr-3795	103	29	.	.	PUNCT
fsr-3795	104	1	the	the	DET
fsr-3795	104	2	responses	response	NOUN
fsr-3795	104	3	of	of	ADP
fsr-3795	104	4	opposite	opposite	ADJ
fsr-3795	104	5	-	-	PUNCT
fsr-3795	104	6	sex	sex	NOUN
fsr-3795	104	7	couples	couple	NOUN
fsr-3795	104	8	were	be	AUX
fsr-3795	104	9	coded	code	VERB
fsr-3795	104	10	such	such	ADJ
fsr-3795	104	11	that	that	SCONJ
fsr-3795	104	12	the	the	DET
fsr-3795	104	13	male	male	NOUN
fsr-3795	104	14	is	be	AUX
fsr-3795	104	15	the	the	DET
fsr-3795	104	16	“	"	PUNCT
fsr-3795	104	17	head	head	NOUN
fsr-3795	104	18	of	of	ADP
fsr-3795	104	19	household	household	NOUN
fsr-3795	104	20	.	.	PUNCT
fsr-3795	104	21	”	"	PUNCT
fsr-3795	105	1	therefore	therefore	ADV
fsr-3795	105	2	,	,	PUNCT
fsr-3795	105	3	the	the	DET
fsr-3795	105	4	marital	marital	ADJ
fsr-3795	105	5	status	status	NOUN
fsr-3795	105	6	and	and	CCONJ
fsr-3795	105	7	gender	gender	NOUN
fsr-3795	105	8	of	of	ADP
fsr-3795	105	9	the	the	DET
fsr-3795	105	10	household	household	NOUN
fsr-3795	105	11	head	head	NOUN
fsr-3795	105	12	are	be	AUX
fsr-3795	105	13	highly	highly	ADV
fsr-3795	105	14	correlated	correlate	VERB
fsr-3795	105	15	.	.	PUNCT
fsr-3795	106	1	across	across	ADP
fsr-3795	106	2	the	the	DET
fsr-3795	106	3	race	race	NOUN
fsr-3795	106	4	categories	category	NOUN
fsr-3795	106	5	,	,	PUNCT
fsr-3795	106	6	white	white	ADJ
fsr-3795	106	7	households	household	NOUN
fsr-3795	106	8	have	have	VERB
fsr-3795	106	9	the	the	DET
fsr-3795	106	10	lowest	low	ADJ
fsr-3795	106	11	value	value	NOUN
fsr-3795	106	12	of	of	ADP
fsr-3795	106	13	risky	risky	ADJ
fsr-3795	106	14	assets	asset	NOUN
fsr-3795	106	15	per	per	ADP
fsr-3795	106	16	dollar	dollar	NOUN
fsr-3795	106	17	of	of	ADP
fsr-3795	106	18	wealth	wealth	NOUN
fsr-3795	106	19	,	,	PUNCT
fsr-3795	106	20	while	while	SCONJ
fsr-3795	106	21	hispanic	hispanic	ADJ
fsr-3795	106	22	households	household	NOUN
fsr-3795	106	23	have	have	VERB
fsr-3795	106	24	the	the	DET
fsr-3795	106	25	highest	high	ADJ
fsr-3795	106	26	.	.	PUNCT
fsr-3795	107	1	as	as	ADP
fsr-3795	107	2	the	the	DET
fsr-3795	107	3	education	education	NOUN
fsr-3795	107	4	level	level	NOUN
fsr-3795	107	5	of	of	ADP
fsr-3795	107	6	the	the	DET
fsr-3795	107	7	household	household	NOUN
fsr-3795	107	8	head	head	NOUN
fsr-3795	107	9	increases	increase	VERB
fsr-3795	107	10	,	,	PUNCT
fsr-3795	107	11	so	so	ADV
fsr-3795	107	12	does	do	VERB
fsr-3795	107	13	the	the	DET
fsr-3795	107	14	value	value	NOUN
fsr-3795	107	15	of	of	ADP
fsr-3795	107	16	risky	risky	ADJ
fsr-3795	107	17	assets	asset	NOUN
fsr-3795	107	18	per	per	ADP
fsr-3795	107	19	dollar	dollar	NOUN
fsr-3795	107	20	of	of	ADP
fsr-3795	107	21	wealth	wealth	NOUN
fsr-3795	107	22	.	.	PUNCT
fsr-3795	108	1	while	while	SCONJ
fsr-3795	108	2	this	this	PRON
fsr-3795	108	3	is	be	AUX
fsr-3795	108	4	related	relate	VERB
fsr-3795	108	5	to	to	ADP
fsr-3795	108	6	human	human	ADJ
fsr-3795	108	7	capital	capital	NOUN
fsr-3795	108	8	(	(	PUNCT
fsr-3795	108	9	higher	high	ADJ
fsr-3795	108	10	education	education	NOUN
fsr-3795	108	11	is	be	AUX
fsr-3795	108	12	asso	asso	PROPN
fsr-3795	108	13	ciated	ciate	VERB
fsr-3795	108	14	with	with	ADP
fsr-3795	108	15	higher	high	ADJ
fsr-3795	108	16	earning	earn	VERB
fsr-3795	108	17	streams	stream	NOUN
fsr-3795	108	18	)	)	PUNCT
fsr-3795	108	19	,	,	PUNCT
fsr-3795	108	20	it	it	PRON
fsr-3795	108	21	may	may	AUX
fsr-3795	108	22	also	also	ADV
fsr-3795	108	23	be	be	AUX
fsr-3795	108	24	the	the	DET
fsr-3795	108	25	case	case	NOUN
fsr-3795	108	26	that	that	SCONJ
fsr-3795	108	27	a	a	DET
fsr-3795	108	28	more	more	ADV
fsr-3795	108	29	highly	highly	ADV
fsr-3795	108	30	educated	educate	VERB
fsr-3795	108	31	household	household	NOUN
fsr-3795	108	32	would	would	AUX
fsr-3795	108	33	make	make	VERB
fsr-3795	108	34	more	more	ADV
fsr-3795	108	35	financially	financially	ADV
fsr-3795	108	36	sophisticated	sophisticated	ADJ
fsr-3795	108	37	,	,	PUNCT
fsr-3795	108	38	and	and	CCONJ
fsr-3795	108	39	thus	thus	ADV
fsr-3795	108	40	riskier	risky	ADJ
fsr-3795	108	41	,	,	PUNCT
fsr-3795	108	42	investments	investment	NOUN
fsr-3795	108	43	.	.	PUNCT
fsr-3795	109	1	the	the	DET
fsr-3795	109	2	multiv	multiv	NOUN
fsr-3795	109	3	~	~	PUNCT
fsr-3795	109	4	ate	eat	VERB
fsr-3795	109	5	analysis	analysis	NOUN
fsr-3795	109	6	presented	present	VERB
fsr-3795	109	7	in	in	ADP
fsr-3795	109	8	section	section	NOUN
fsr-3795	109	9	v	v	NOUN
fsr-3795	109	10	will	will	AUX
fsr-3795	109	11	examine	examine	VERB
fsr-3795	109	12	the	the	DET
fsr-3795	109	13	relationship	relationship	NOUN
fsr-3795	109	14	of	of	ADP
fsr-3795	109	15	each	each	PRON
fsr-3795	109	16	of	of	ADP
fsr-3795	109	17	the	the	DET
fsr-3795	109	18	household	household	NOUN
fsr-3795	109	19	’s	’s	PART
fsr-3795	109	20	socioeconomic	socioeconomic	ADJ
fsr-3795	109	21	characteristics	characteristic	NOUN
fsr-3795	109	22	to	to	ADP
fsr-3795	109	23	the	the	DET
fsr-3795	109	24	value	value	NOUN
fsr-3795	109	25	of	of	ADP
fsr-3795	109	26	risky	risky	ADJ
fsr-3795	109	27	assets	asset	NOUN
fsr-3795	109	28	per	per	ADP
fsr-3795	109	29	dollar	dollar	NOUN
fsr-3795	109	30	of	of	ADP
fsr-3795	109	31	wealth	wealth	NOUN
fsr-3795	109	32	,	,	PUNCT
fsr-3795	109	33	holding	hold	VERB
fsr-3795	109	34	all	all	DET
fsr-3795	109	35	else	else	ADV
fsr-3795	109	36	constant	constant	ADJ
fsr-3795	109	37	,	,	PUNCT
fsr-3795	109	38	to	to	PART
fsr-3795	109	39	provide	provide	VERB
fsr-3795	109	40	a	a	DET
fsr-3795	109	41	clearer	clear	ADJ
fsr-3795	109	42	understanding	understanding	NOUN
fsr-3795	109	43	of	of	ADP
fsr-3795	109	44	the	the	DET
fsr-3795	109	45	effect	effect	NOUN
fsr-3795	109	46	of	of	ADP
fsr-3795	109	47	these	these	DET
fsr-3795	109	48	factors	factor	NOUN
fsr-3795	109	49	.	.	PUNCT
fsr-3795	110	1	one	one	NUM
fsr-3795	110	2	other	other	ADJ
fsr-3795	110	3	determining	determine	VERB
fsr-3795	110	4	factor	factor	NOUN
fsr-3795	110	5	in	in	ADP
fsr-3795	110	6	portfolio	portfolio	NOUN
fsr-3795	110	7	composition	composition	NOUN
fsr-3795	110	8	is	be	AUX
fsr-3795	110	9	the	the	DET
fsr-3795	110	10	household	household	NOUN
fsr-3795	110	11	’s	’s	PART
fsr-3795	110	12	reported	report	VERB
fsr-3795	110	13	attitude	attitude	NOUN
fsr-3795	110	14	toward	toward	ADP
fsr-3795	110	15	risk	risk	NOUN
fsr-3795	110	16	taking	taking	NOUN
fsr-3795	110	17	,	,	PUNCT
fsr-3795	110	18	which	which	PRON
fsr-3795	110	19	is	be	AUX
fsr-3795	110	20	examined	examine	VERB
fsr-3795	110	21	in	in	ADP
fsr-3795	110	22	the	the	DET
fsr-3795	110	23	following	follow	VERB
fsr-3795	110	24	section	section	NOUN
fsr-3795	110	25	.	.	PUNCT
fsr-3795	111	1	iv	iv	X
fsr-3795	111	2	.	.	PROPN
fsr-3795	111	3	calculated	calculate	VERB
fsr-3795	111	4	vs.	vs.	ADP
fsr-3795	111	5	reported	report	VERB
fsr-3795	111	6	rjzlative	rjzlative	ADJ
fsr-3795	111	7	risk	risk	NOUN
fsr-3795	111	8	aversion	aversion	NOUN
fsr-3795	111	9	one	one	NUM
fsr-3795	111	10	-	-	PUNCT
fsr-3795	111	11	way	way	NOUN
fsr-3795	111	12	analysis	analysis	NOUN
fsr-3795	111	13	of	of	ADP
fsr-3795	111	14	variance	variance	NOUN
fsr-3795	111	15	is	be	AUX
fsr-3795	111	16	used	use	VERB
fsr-3795	111	17	to	to	PART
fsr-3795	111	18	test	test	VERB
fsr-3795	111	19	whether	whether	SCONJ
fsr-3795	111	20	the	the	DET
fsr-3795	111	21	means	mean	NOUN
fsr-3795	111	22	of	of	ADP
fsr-3795	111	23	calculated	calculate	VERB
fsr-3795	111	24	rra	rra	NOUN
fsr-3795	111	25	are	be	AUX
fsr-3795	111	26	sig	sig	NOUN
fsr-3795	111	27	ni	ni	PROPN
fsr-3795	111	28	~	~	PROPN
fsr-3795	111	29	cantly	cantly	ADV
fsr-3795	111	30	different	different	ADJ
fsr-3795	111	31	across	across	ADP
fsr-3795	111	32	the	the	DET
fsr-3795	111	33	household	household	NOUN
fsr-3795	111	34	’s	’s	PART
fsr-3795	111	35	reported	report	VERB
fsr-3795	111	36	attitude	attitude	NOUN
fsr-3795	111	37	toward	toward	ADP
fsr-3795	111	38	risk	risk	NOUN
fsr-3795	111	39	taking	taking	NOUN
fsr-3795	111	40	.	.	PUNCT
fsr-3795	112	1	the	the	DET
fsr-3795	112	2	results	result	NOUN
fsr-3795	112	3	indicate	indicate	VERB
fsr-3795	112	4	whether	whether	SCONJ
fsr-3795	112	5	calculated	calculate	VERB
fsr-3795	112	6	and	and	CCONJ
fsr-3795	112	7	reported	report	VERB
fsr-3795	112	8	rra	rra	NOUN
fsr-3795	112	9	are	be	AUX
fsr-3795	112	10	measuring	measure	VERB
fsr-3795	112	11	the	the	DET
fsr-3795	112	12	same	same	ADJ
fsr-3795	112	13	construct	construct	NOUN
fsr-3795	112	14	(	(	PUNCT
fsr-3795	112	15	relative	relative	ADJ
fsr-3795	112	16	risk	risk	NOUN
fsr-3795	112	17	aversion	aversion	NOUN
fsr-3795	112	18	)	)	PUNCT
fsr-3795	112	19	.	.	PUNCT
fsr-3795	113	1	calculated	calculate	VERB
fsr-3795	113	2	rra	rra	NOUN
fsr-3795	113	3	(	(	PUNCT
fsr-3795	113	4	(	(	PUNCT
fsr-3795	113	5	l	l	NOUN
fsr-3795	113	6	-	-	NOUN
fsr-3795	113	7	h)@	h)@	NOUN
fsr-3795	113	8	is	be	AUX
fsr-3795	113	9	the	the	DET
fsr-3795	113	10	ratio	ratio	NOUN
fsr-3795	113	11	of	of	ADP
fsr-3795	113	12	risky	risky	ADJ
fsr-3795	113	13	assets	asset	NOUN
fsr-3795	113	14	to	to	ADP
fsr-3795	113	15	wealth	wealth	NOUN
fsr-3795	113	16	,	,	PUNCT
fsr-3795	113	17	where	where	SCONJ
fsr-3795	113	18	the	the	DET
fsr-3795	113	19	numerator	numerator	NOUN
fsr-3795	113	20	and	and	CCONJ
fsr-3795	113	21	denominator	denominator	NOUN
fsr-3795	113	22	include	include	VERB
fsr-3795	113	23	human	human	ADJ
fsr-3795	113	24	capital	capital	NOUN
fsr-3795	113	25	.	.	PUNCT
fsr-3795	114	1	while	while	SCONJ
fsr-3795	114	2	equation	equation	NOUN
fsr-3795	114	3	4	4	NUM
fsr-3795	114	4	illustrates	illustrate	VERB
fsr-3795	114	5	that	that	SCONJ
fsr-3795	114	6	observed	observed	ADJ
fsr-3795	114	7	rra	rra	NOUN
fsr-3795	114	8	should	should	AUX
fsr-3795	114	9	be	be	AUX
fsr-3795	114	10	(	(	PUNCT
fsr-3795	114	11	1	1	NUM
fsr-3795	114	12	-	-	PUNCT
fsr-3795	114	13	t	t	NOUN
fsr-3795	114	14	)	)	PUNCT
fsr-3795	114	15	(	(	PUNCT
fsr-3795	114	16	1	1	NUM
fsr-3795	114	17	-	-	PUNCT
fsr-3795	114	18	h)a	h)a	NOUN
fsr-3795	114	19	,	,	PUNCT
fsr-3795	114	20	the	the	DET
fsr-3795	114	21	tax	tax	NOUN
fsr-3795	114	22	rate	rate	NOUN
fsr-3795	114	23	(	(	PUNCT
fsr-3795	114	24	t	t	NOUN
fsr-3795	114	25	)	)	PUNCT
fsr-3795	114	26	is	be	AUX
fsr-3795	114	27	difficult	difficult	ADJ
fsr-3795	114	28	to	to	PART
fsr-3795	114	29	calculate	calculate	VERB
fsr-3795	114	30	from	from	ADP
fsr-3795	114	31	this	this	DET
fsr-3795	114	32	data	datum	NOUN
fsr-3795	114	33	set	set	VERB
fsr-3795	114	34	.	.	PUNCT
fsr-3795	115	1	bellante	bellante	PROPN
fsr-3795	115	2	and	and	CCONJ
fsr-3795	115	3	saba	saba	PROPN
fsr-3795	115	4	(	(	PUNCT
fsr-3795	115	5	1986	1986	NUM
fsr-3795	115	6	)	)	PUNCT
fsr-3795	115	7	find	find	VERB
fsr-3795	115	8	that	that	SCONJ
fsr-3795	115	9	adjusting	adjust	VERB
fsr-3795	115	10	for	for	ADP
fsr-3795	115	11	taxes	taxis	NOUN
fsr-3795	115	12	does	do	AUX
fsr-3795	115	13	not	not	PART
fsr-3795	115	14	affect	affect	VERB
fsr-3795	115	15	their	their	PRON
fsr-3795	115	16	results	result	NOUN
fsr-3795	115	17	and	and	CCONJ
fsr-3795	115	18	friend	friend	NOUN
fsr-3795	115	19	and	and	CCONJ
fsr-3795	115	20	blume	blume	PROPN
fsr-3795	115	21	(	(	PUNCT
fsr-3795	115	22	1975	1975	NUM
fsr-3795	115	23	)	)	PUNCT
fsr-3795	115	24	show	show	VERB
fsr-3795	115	25	that	that	SCONJ
fsr-3795	115	26	not	not	PART
fsr-3795	115	27	taking	take	VERB
fsr-3795	115	28	tax	tax	NOUN
fsr-3795	115	29	differentials	differential	NOUN
fsr-3795	115	30	into	into	ADP
fsr-3795	115	31	account	account	NOUN
fsr-3795	115	32	may	may	AUX
fsr-3795	115	33	only	only	ADV
fsr-3795	115	34	slightly	slightly	ADV
fsr-3795	115	35	bias	bias	VERB
fsr-3795	115	36	the	the	DET
fsr-3795	115	37	rra	rra	NOUN
fsr-3795	115	38	estimate	estimate	VERB
fsr-3795	115	39	downward	downward	ADV
fsr-3795	115	40	.	.	PUNCT
fsr-3795	116	1	reported	report	VERB
fsr-3795	116	2	rra	rra	NOUN
fsr-3795	116	3	is	be	AUX
fsr-3795	116	4	a	a	DET
fsr-3795	116	5	categorical	categorical	ADJ
fsr-3795	116	6	response	response	NOUN
fsr-3795	116	7	vari	vari	X
fsr-3795	116	8	able	able	ADJ
fsr-3795	116	9	derived	derive	VERB
fsr-3795	116	10	from	from	ADP
fsr-3795	116	11	the	the	DET
fsr-3795	116	12	response	response	NOUN
fsr-3795	116	13	to	to	ADP
fsr-3795	116	14	the	the	DET
fsr-3795	116	15	question	question	NOUN
fsr-3795	116	16	:	:	PUNCT
fsr-3795	116	17	“	"	PUNCT
fsr-3795	116	18	which	which	PRON
fsr-3795	116	19	of	of	ADP
fsr-3795	116	20	the	the	DET
fsr-3795	116	21	statements	statement	NOUN
fsr-3795	116	22	on	on	ADP
fsr-3795	116	23	this	this	DET
fsr-3795	116	24	page	page	NOUN
fsr-3795	116	25	comes	come	VERB
fsr-3795	116	26	closest	close	ADJ
fsr-3795	116	27	to	to	ADP
fsr-3795	116	28	the	the	DET
fsr-3795	116	29	amount	amount	NOUN
fsr-3795	116	30	of	of	ADP
fsr-3795	116	31	financial	financial	ADJ
fsr-3795	116	32	risk	risk	NOUN
fsr-3795	116	33	that	that	PRON
fsr-3795	116	34	you	you	PRON
fsr-3795	116	35	(	(	PUNCT
fsr-3795	116	36	and	and	CCONJ
fsr-3795	116	37	your	your	PRON
fsr-3795	116	38	husband	husband	NOUN
fsr-3795	116	39	/	/	SYM
fsr-3795	116	40	wife	wife	NOUN
fsr-3795	116	41	)	)	PUNCT
fsr-3795	116	42	are	be	AUX
fsr-3795	116	43	willing	willing	ADJ
fsr-3795	116	44	to	to	PART
fsr-3795	116	45	take	take	VERB
fsr-3795	116	46	when	when	SCONJ
fsr-3795	116	47	you	you	PRON
fsr-3795	116	48	save	save	VERB
fsr-3795	116	49	or	or	CCONJ
fsr-3795	116	50	make	make	VERB
fsr-3795	116	51	investments	investment	NOUN
fsr-3795	116	52	?	?	PUNCT
fsr-3795	116	53	’	'	PUNCT
fsr-3795	117	1	1	1	X
fsr-3795	117	2	.	.	X
fsr-3795	117	3	take	take	VERB
fsr-3795	117	4	substantial	substantial	ADJ
fsr-3795	117	5	financial	financial	ADJ
fsr-3795	117	6	risks	risk	NOUN
fsr-3795	117	7	expecting	expect	VERB
fsr-3795	117	8	to	to	PART
fsr-3795	117	9	earn	earn	VERB
fsr-3795	117	10	substantial	substantial	ADJ
fsr-3795	117	11	returns	return	NOUN
fsr-3795	117	12	.	.	PUNCT
fsr-3795	118	1	2	2	X
fsr-3795	118	2	.	.	X
fsr-3795	118	3	take	take	VERB
fsr-3795	118	4	above	above	ADV
fsr-3795	118	5	average	average	ADJ
fsr-3795	118	6	financial	financial	ADJ
fsr-3795	118	7	risks	risk	NOUN
fsr-3795	118	8	expecting	expect	VERB
fsr-3795	118	9	to	to	PART
fsr-3795	118	10	earn	earn	VERB
fsr-3795	118	11	above	above	ADP
fsr-3795	118	12	average	average	ADJ
fsr-3795	118	13	returns	return	NOUN
fsr-3795	118	14	.	.	PUNCT
fsr-3795	119	1	3	3	X
fsr-3795	119	2	.	.	X
fsr-3795	119	3	take	take	VERB
fsr-3795	119	4	average	average	ADJ
fsr-3795	119	5	financial	financial	ADJ
fsr-3795	119	6	risks	risk	NOUN
fsr-3795	119	7	expecting	expect	VERB
fsr-3795	119	8	to	to	PART
fsr-3795	119	9	earn	earn	VERB
fsr-3795	119	10	average	average	ADJ
fsr-3795	119	11	returns	return	NOUN
fsr-3795	119	12	.	.	PUNCT
fsr-3795	120	1	4	4	X
fsr-3795	120	2	.	.	X
fsr-3795	120	3	not	not	PART
fsr-3795	120	4	willing	willing	ADJ
fsr-3795	120	5	to	to	PART
fsr-3795	120	6	take	take	VERB
fsr-3795	120	7	any	any	DET
fsr-3795	120	8	financial	financial	ADJ
fsr-3795	120	9	risks	risk	NOUN
fsr-3795	120	10	.	.	PUNCT
fsr-3795	121	1	results	result	NOUN
fsr-3795	121	2	from	from	ADP
fsr-3795	121	3	the	the	DET
fsr-3795	121	4	one	one	NUM
fsr-3795	121	5	-	-	PUNCT
fsr-3795	121	6	way	way	NOUN
fsr-3795	121	7	analysis	analysis	NOUN
fsr-3795	121	8	of	of	ADP
fsr-3795	121	9	variance	variance	NOUN
fsr-3795	121	10	for	for	ADP
fsr-3795	121	11	testing	test	VERB
fsr-3795	121	12	whether	whether	SCONJ
fsr-3795	121	13	asset	asset	NOUN
fsr-3795	121	14	allocation	allocation	NOUN
fsr-3795	121	15	is	be	AUX
fsr-3795	121	16	different	different	ADJ
fsr-3795	121	17	across	across	ADP
fsr-3795	121	18	responses	response	NOUN
fsr-3795	121	19	to	to	ADP
fsr-3795	121	20	the	the	DET
fsr-3795	121	21	above	above	ADJ
fsr-3795	121	22	question	question	NOUN
fsr-3795	121	23	are	be	AUX
fsr-3795	121	24	found	find	VERB
fsr-3795	121	25	in	in	ADP
fsr-3795	121	26	table	table	NOUN
fsr-3795	121	27	2	2	NUM
fsr-3795	121	28	.	.	PUNCT
fsr-3795	122	1	the	the	DET
fsr-3795	122	2	mean	mean	ADJ
fsr-3795	122	3	values	value	NOUN
fsr-3795	122	4	of	of	ADP
fsr-3795	122	5	risky	risky	ADJ
fsr-3795	122	6	assets	asset	NOUN
fsr-3795	122	7	to	to	ADP
fsr-3795	122	8	wealth	wealth	NOUN
fsr-3795	122	9	are	be	AUX
fsr-3795	122	10	significantly	significantly	ADV
fsr-3795	122	11	different	different	ADJ
fsr-3795	122	12	across	across	ADP
fsr-3795	122	13	the	the	DET
fsr-3795	122	14	four	four	NUM
fsr-3795	122	15	response	response	NOUN
fsr-3795	122	16	categories	category	NOUN
fsr-3795	122	17	and	and	CCONJ
fsr-3795	122	18	are	be	AUX
fsr-3795	122	19	in	in	ADP
fsr-3795	122	20	the	the	DET
fsr-3795	122	21	expected	expect	VERB
fsr-3795	122	22	order	order	NOUN
fsr-3795	122	23	of	of	ADP
fsr-3795	122	24	size	size	NOUN
fsr-3795	122	25	.	.	PUNCT
fsr-3795	123	1	those	those	DET
fsr-3795	123	2	respondents	respondent	NOUN
fsr-3795	123	3	willing	willing	ADJ
fsr-3795	123	4	to	to	PART
fsr-3795	123	5	take	take	VERB
fsr-3795	123	6	no	no	DET
fsr-3795	123	7	risk	risk	NOUN
fsr-3795	123	8	have	have	VERB
fsr-3795	123	9	the	the	DET
fsr-3795	123	10	lowest	low	ADJ
fsr-3795	123	11	mean	mean	ADJ
fsr-3795	123	12	ratio	ratio	NOUN
fsr-3795	123	13	of	of	ADP
fsr-3795	123	14	risky	risky	ADJ
fsr-3795	123	15	assets	asset	NOUN
fsr-3795	123	16	to	to	ADP
fsr-3795	123	17	wealth	wealth	NOUN
fsr-3795	123	18	,	,	PUNCT
fsr-3795	123	19	with	with	ADP
fsr-3795	123	20	the	the	DET
fsr-3795	123	21	value	value	NOUN
fsr-3795	123	22	increasing	increase	VERB
fsr-3795	123	23	with	with	ADP
fsr-3795	123	24	the	the	DET
fsr-3795	123	25	willingness	willingness	NOUN
fsr-3795	123	26	to	to	PART
fsr-3795	123	27	take	take	VERB
fsr-3795	123	28	risk	risk	NOUN
fsr-3795	123	29	.	.	PUNCT
fsr-3795	124	1	a	a	DET
fsr-3795	124	2	r	r	NOUN
fsr-3795	124	3	-	-	PUNCT
fsr-3795	124	4	test	test	NOUN
fsr-3795	124	5	for	for	ADP
fsr-3795	124	6	differences	difference	NOUN
fsr-3795	124	7	between	between	ADP
fsr-3795	124	8	categories	category	NOUN
fsr-3795	124	9	indicates	indicate	VERB
fsr-3795	124	10	that	that	SCONJ
fsr-3795	124	11	there	there	PRON
fsr-3795	124	12	is	be	VERB
fsr-3795	124	13	no	no	DET
fsr-3795	124	14	significant	significant	ADJ
fsr-3795	124	15	differ	differ	VERB
fsr-3795	124	16	ence	ence	NOUN
fsr-3795	124	17	in	in	ADP
fsr-3795	124	18	the	the	DET
fsr-3795	124	19	mean	mean	ADJ
fsr-3795	124	20	values	value	NOUN
fsr-3795	124	21	for	for	ADP
fsr-3795	124	22	the	the	DET
fsr-3795	124	23	“	"	PUNCT
fsr-3795	124	24	substantial	substantial	ADJ
fsr-3795	124	25	”	"	PUNCT
fsr-3795	124	26	vs.	vs.	X
fsr-3795	124	27	the	the	DET
fsr-3795	124	28	“	"	PUNCT
fsr-3795	124	29	above	above	ADP
fsr-3795	124	30	average	average	ADJ
fsr-3795	124	31	”	"	PUNCT
fsr-3795	124	32	responses	response	NOUN
fsr-3795	124	33	.	.	PUNCT
fsr-3795	125	1	however	however	ADV
fsr-3795	125	2	,	,	PUNCT
fsr-3795	125	3	94	94	NUM
fsr-3795	125	4	financial	financial	ADJ
fsr-3795	125	5	services	service	NOUN
fsr-3795	125	6	review	review	VERB
fsr-3795	125	7	5(2	5(2	NUM
fsr-3795	125	8	)	)	PUNCT
fsr-3795	125	9	1996	1996	NUM
fsr-3795	125	10	table	table	NOUN
fsr-3795	125	11	2	2	NUM
fsr-3795	125	12	mean	mean	NOUN
fsr-3795	125	13	values	value	NOUN
fsr-3795	125	14	of	of	ADP
fsr-3795	125	15	risky	risky	ADJ
fsr-3795	125	16	assets	asset	NOUN
fsr-3795	125	17	to	to	ADP
fsr-3795	125	18	wealth	wealth	NOUN
fsr-3795	125	19	across	across	ADP
fsr-3795	125	20	reported	report	VERB
fsr-3795	125	21	risk	risk	NOUN
fsr-3795	125	22	aversion	aversion	NOUN
fsr-3795	125	23	risk	risk	NOUN
fsr-3795	125	24	measure	measure	NOUN
fsr-3795	125	25	risky	risky	ADJ
fsr-3795	125	26	assets	asset	NOUN
fsr-3795	125	27	wealth	wealth	NOUN
fsr-3795	125	28	(	(	PUNCT
fsr-3795	125	29	%	%	NOUN
fsr-3795	125	30	of	of	ADP
fsr-3795	125	31	sample	sample	NOUN
fsr-3795	125	32	)	)	PUNCT
fsr-3795	125	33	reported	report	VERB
fsr-3795	125	34	amount	amount	NOUN
fsr-3795	125	35	cjf	cjf	NOUN
fsr-3795	125	36	risk	risk	NOUN
fsr-3795	125	37	willing	willing	ADJ
fsr-3795	125	38	to	to	PART
fsr-3795	125	39	take	take	VERB
fsr-3795	125	40	test	test	NOUN
fsr-3795	125	41	substantial	substantial	ADJ
fsr-3795	125	42	above	above	ADP
fsr-3795	125	43	average	average	ADJ
fsr-3795	125	44	average	average	ADJ
fsr-3795	125	45	none	none	NOUN
fsr-3795	125	46	statistic	statistic	NOUN
fsr-3795	125	47	.982	.982	NUM
fsr-3795	125	48	,	,	PUNCT
fsr-3795	125	49	941	941	NUM
fsr-3795	125	50	,	,	PUNCT
fsr-3795	125	51	858	858	NUM
fsr-3795	125	52	,	,	PUNCT
fsr-3795	125	53	722	722	NUM
fsr-3795	125	54	33.04	33.04	NUM
fsr-3795	125	55	*	*	PUNCT
fsr-3795	125	56	(	(	PUNCT
fsr-3795	125	57	3.9	3.9	NUM
fsr-3795	125	58	%	%	NOUN
fsr-3795	125	59	)	)	PUNCT
fsr-3795	125	60	(	(	PUNCT
fsr-3795	125	61	9.1	9.1	NUM
fsr-3795	125	62	%	%	NOUN
fsr-3795	125	63	)	)	PUNCT
fsr-3795	125	64	(	(	PUNCT
fsr-3795	125	65	41.1	41.1	NUM
fsr-3795	125	66	%	%	NOUN
fsr-3795	125	67	)	)	PUNCT
fsr-3795	125	68	(	(	PUNCT
fsr-3795	125	69	45.9	45.9	NUM
fsr-3795	125	70	%	%	NOUN
fsr-3795	125	71	)	)	PUNCT
fsr-3795	125	72	nofrs	nofrs	NOUN
fsr-3795	125	73	:	:	PUNCT
fsr-3795	125	74	*	*	PUNCT
fsr-3795	125	75	fstatistic	fstatistic	NOUN
fsr-3795	125	76	indicates	indicate	VERB
fsr-3795	125	77	significant	significant	ADJ
fsr-3795	125	78	differences	difference	NOUN
fsr-3795	125	79	in	in	ADP
fsr-3795	125	80	mean	mean	ADJ
fsr-3795	125	81	values	value	NOUN
fsr-3795	125	82	across	across	ADP
fsr-3795	125	83	groups	group	NOUN
fsr-3795	125	84	,	,	PUNCT
fsr-3795	125	85	at	at	ADP
fsr-3795	125	86	the	the	DET
fsr-3795	125	87	i	i	NOUN
fsr-3795	125	88	percent	percent	NOUN
fsr-3795	125	89	level	level	NOUN
fsr-3795	125	90	.	.	PUNCT
fsr-3795	126	1	n	n	NOUN
fsr-3795	126	2	=	=	SYM
fsr-3795	126	3	2239	2239	NUM
fsr-3795	126	4	.	.	PUNCT
fsr-3795	127	1	risky	risky	ADJ
fsr-3795	127	2	assets	asset	NOUN
fsr-3795	127	3	are	be	AUX
fsr-3795	127	4	those	those	DET
fsr-3795	127	5	measured	measured	ADJ
fsr-3795	127	6	assets	asset	NOUN
fsr-3795	127	7	whose	whose	DET
fsr-3795	127	8	cash	cash	NOUN
fsr-3795	127	9	flows	flow	NOUN
fsr-3795	127	10	are	be	AUX
fsr-3795	127	11	uncertain	uncertain	ADJ
fsr-3795	127	12	(	(	PUNCT
fsr-3795	127	13	including	include	VERB
fsr-3795	127	14	human	human	ADJ
fsr-3795	127	15	capital	capital	NOUN
fsr-3795	127	16	)	)	PUNCT
fsr-3795	127	17	.	.	PUNCT
fsr-3795	128	1	there	there	PRON
fsr-3795	128	2	is	be	VERB
fsr-3795	128	3	a	a	DET
fsr-3795	128	4	significant	significant	ADJ
fsr-3795	128	5	difference	difference	NOUN
fsr-3795	128	6	between	between	ADP
fsr-3795	128	7	the	the	DET
fsr-3795	128	8	mean	mean	ADJ
fsr-3795	128	9	values	value	NOUN
fsr-3795	128	10	for	for	ADP
fsr-3795	128	11	all	all	DET
fsr-3795	128	12	other	other	ADJ
fsr-3795	128	13	categories	category	NOUN
fsr-3795	128	14	.	.	PUNCT
fsr-3795	129	1	these	these	DET
fsr-3795	129	2	results	result	NOUN
fsr-3795	129	3	indicate	indicate	VERB
fsr-3795	129	4	that	that	SCONJ
fsr-3795	129	5	the	the	DET
fsr-3795	129	6	households	household	NOUN
fsr-3795	129	7	surveyed	survey	VERB
fsr-3795	129	8	understand	understand	VERB
fsr-3795	129	9	their	their	PRON
fsr-3795	129	10	relative	relative	ADJ
fsr-3795	129	11	level	level	NOUN
fsr-3795	129	12	of	of	ADP
fsr-3795	129	13	risk	risk	NOUN
fsr-3795	129	14	taking	taking	NOUN
fsr-3795	129	15	.	.	PUNCT
fsr-3795	130	1	while	while	SCONJ
fsr-3795	130	2	the	the	DET
fsr-3795	130	3	mean	mean	ADJ
fsr-3795	130	4	risk	risk	NOUN
fsr-3795	130	5	measure	measure	NOUN
fsr-3795	130	6	for	for	ADP
fsr-3795	130	7	those	those	PRON
fsr-3795	130	8	who	who	PRON
fsr-3795	130	9	reported	report	VERB
fsr-3795	130	10	that	that	SCONJ
fsr-3795	130	11	they	they	PRON
fsr-3795	130	12	are	be	AUX
fsr-3795	130	13	not	not	PART
fsr-3795	130	14	willing	willing	ADJ
fsr-3795	130	15	to	to	PART
fsr-3795	130	16	take	take	VERB
fsr-3795	130	17	any	any	DET
fsr-3795	130	18	financial	financial	ADJ
fsr-3795	130	19	risk	risk	NOUN
fsr-3795	130	20	is	be	AUX
fsr-3795	130	21	very	very	ADV
fsr-3795	130	22	high	high	ADJ
fsr-3795	130	23	(	(	PUNCT
fsr-3795	130	24	.722	.722	NUM
fsr-3795	130	25	)	)	PUNCT
fsr-3795	130	26	,	,	PUNCT
fsr-3795	130	27	it	it	PRON
fsr-3795	130	28	is	be	AUX
fsr-3795	130	29	significantly	significantly	ADV
fsr-3795	130	30	less	less	ADJ
fsr-3795	130	31	than	than	ADP
fsr-3795	130	32	the	the	DET
fsr-3795	130	33	mean	mean	ADJ
fsr-3795	130	34	value	value	NOUN
fsr-3795	130	35	for	for	ADP
fsr-3795	130	36	the	the	DET
fsr-3795	130	37	“	"	PUNCT
fsr-3795	130	38	average	average	ADJ
fsr-3795	130	39	”	"	PUNCT
fsr-3795	130	40	risk	risk	NOUN
fsr-3795	130	41	category	category	NOUN
fsr-3795	130	42	.	.	PUNCT
fsr-3795	131	1	one	one	NUM
fsr-3795	131	2	explanation	explanation	NOUN
fsr-3795	131	3	for	for	ADP
fsr-3795	131	4	the	the	DET
fsr-3795	131	5	high	high	ADJ
fsr-3795	131	6	value	value	NOUN
fsr-3795	131	7	is	be	AUX
fsr-3795	131	8	that	that	SCONJ
fsr-3795	131	9	there	there	PRON
fsr-3795	131	10	was	be	VERB
fsr-3795	131	11	no	no	DET
fsr-3795	131	12	category	category	NOUN
fsr-3795	131	13	indicating	indicate	VERB
fsr-3795	131	14	a	a	DET
fsr-3795	131	15	willingness	willingness	NOUN
fsr-3795	131	16	to	to	PART
fsr-3795	131	17	take	take	VERB
fsr-3795	131	18	“	"	PUNCT
fsr-3795	131	19	less	less	ADJ
fsr-3795	131	20	-	-	PUNCT
fsr-3795	131	21	than	than	ADP
fsr-3795	131	22	-	-	PUNCT
fsr-3795	131	23	average	average	ADJ
fsr-3795	131	24	”	"	PUNCT
fsr-3795	131	25	financial	financial	ADJ
fsr-3795	131	26	risk	risk	NOUN
fsr-3795	131	27	.	.	PUNCT
fsr-3795	132	1	it	it	PRON
fsr-3795	132	2	is	be	AUX
fsr-3795	132	3	possible	possible	ADJ
fsr-3795	132	4	that	that	SCONJ
fsr-3795	132	5	many	many	ADJ
fsr-3795	132	6	of	of	ADP
fsr-3795	132	7	the	the	DET
fsr-3795	132	8	respondents	respondent	NOUN
fsr-3795	132	9	would	would	AUX
fsr-3795	132	10	have	have	AUX
fsr-3795	132	11	chosen	choose	VERB
fsr-3795	132	12	this	this	DET
fsr-3795	132	13	category	category	NOUN
fsr-3795	132	14	rather	rather	ADV
fsr-3795	132	15	than	than	ADP
fsr-3795	132	16	the	the	DET
fsr-3795	132	17	“	"	PUNCT
fsr-3795	132	18	no	no	DET
fsr-3795	132	19	risk	risk	NOUN
fsr-3795	132	20	”	"	PUNCT
fsr-3795	132	21	response	response	NOUN
fsr-3795	132	22	.	.	PUNCT
fsr-3795	133	1	fur	fur	NOUN
fsr-3795	133	2	ther	ther	ADV
fsr-3795	133	3	,	,	PUNCT
fsr-3795	133	4	the	the	DET
fsr-3795	133	5	definition	definition	NOUN
fsr-3795	133	6	of	of	ADP
fsr-3795	133	7	risky	risky	ADJ
fsr-3795	133	8	assets	asset	NOUN
fsr-3795	133	9	is	be	AUX
fsr-3795	133	10	quite	quite	ADV
fsr-3795	133	11	broad	broad	ADJ
fsr-3795	133	12	;	;	PUNCT
fsr-3795	133	13	in	in	ADP
fsr-3795	133	14	particular	particular	ADJ
fsr-3795	133	15	,	,	PUNCT
fsr-3795	133	16	it	it	PRON
fsr-3795	133	17	includes	include	VERB
fsr-3795	133	18	all	all	DET
fsr-3795	133	19	accumulated	accumulate	VERB
fsr-3795	133	20	pension	pension	NOUN
fsr-3795	133	21	funds	fund	NOUN
fsr-3795	133	22	that	that	PRON
fsr-3795	133	23	are	be	AUX
fsr-3795	133	24	not	not	PART
fsr-3795	133	25	ira	ira	PROPN
fsr-3795	133	26	/	/	SYM
fsr-3795	133	27	keogh	keogh	PROPN
fsr-3795	133	28	balances	balance	NOUN
fsr-3795	133	29	invested	invest	VERB
fsr-3795	133	30	in	in	ADP
fsr-3795	133	31	cds	cd	NOUN
fsr-3795	133	32	or	or	CCONJ
fsr-3795	133	33	money	money	NOUN
fsr-3795	133	34	market	market	NOUN
fsr-3795	133	35	accounts	account	NOUN
fsr-3795	133	36	.	.	PUNCT
fsr-3795	134	1	these	these	DET
fsr-3795	134	2	funds	fund	NOUN
fsr-3795	134	3	are	be	AUX
fsr-3795	134	4	either	either	ADV
fsr-3795	134	5	invested	invest	VERB
fsr-3795	134	6	in	in	ADP
fsr-3795	134	7	stock	stock	NOUN
fsr-3795	134	8	or	or	CCONJ
fsr-3795	134	9	interest	interest	NOUN
fsr-3795	134	10	-	-	PUNCT
fsr-3795	134	11	bearing	bear	VERB
fsr-3795	134	12	accounts	account	NOUN
fsr-3795	134	13	.	.	PUNCT
fsr-3795	135	1	pension	pension	NOUN
fsr-3795	135	2	funds	fund	NOUN
fsr-3795	135	3	com	com	NOUN
fsr-3795	135	4	prise	prise	PROPN
fsr-3795	135	5	a	a	DET
fsr-3795	135	6	considerable	considerable	ADJ
fsr-3795	135	7	proportion	proportion	NOUN
fsr-3795	135	8	of	of	ADP
fsr-3795	135	9	the	the	DET
fsr-3795	135	10	assets	asset	NOUN
fsr-3795	135	11	owned	own	VERB
fsr-3795	135	12	by	by	ADP
fsr-3795	135	13	these	these	DET
fsr-3795	135	14	households	household	NOUN
fsr-3795	135	15	;	;	PUNCT
fsr-3795	135	16	on	on	ADP
fsr-3795	135	17	average	average	ADJ
fsr-3795	135	18	,	,	PUNCT
fsr-3795	135	19	accu	accu	PROPN
fsr-3795	135	20	mulated	mulate	VERB
fsr-3795	135	21	pension	pension	NOUN
fsr-3795	135	22	funds	fund	NOUN
fsr-3795	135	23	equal	equal	VERB
fsr-3795	135	24	21.6	21.6	NUM
fsr-3795	135	25	percent	percent	NOUN
fsr-3795	135	26	of	of	ADP
fsr-3795	135	27	a	a	DET
fsr-3795	135	28	household	household	NOUN
fsr-3795	135	29	’s	’s	PART
fsr-3795	135	30	total	total	ADJ
fsr-3795	135	31	financial	financial	ADJ
fsr-3795	135	32	assets	asset	NOUN
fsr-3795	135	33	.	.	PUNCT
fsr-3795	136	1	v.	v.	ADP
fsr-3795	136	2	determination	determination	NOUN
fsr-3795	136	3	of	of	ADP
fsr-3795	136	4	household	household	NOUN
fsr-3795	136	5	relative	relative	ADJ
fsr-3795	136	6	risk	risk	NOUN
fsr-3795	136	7	aversion	aversion	NOUN
fsr-3795	136	8	multivariate	multivariate	NOUN
fsr-3795	136	9	regression	regression	NOUN
fsr-3795	136	10	analysis	analysis	NOUN
fsr-3795	136	11	is	be	AUX
fsr-3795	136	12	used	use	VERB
fsr-3795	136	13	to	to	PART
fsr-3795	136	14	test	test	VERB
fsr-3795	136	15	the	the	DET
fsr-3795	136	16	second	second	ADJ
fsr-3795	136	17	hypothesis	hypothesis	NOUN
fsr-3795	136	18	that	that	PRON
fsr-3795	136	19	calculated	calculate	VERB
fsr-3795	136	20	rra	rra	NOUN
fsr-3795	136	21	(	(	PUNCT
fsr-3795	136	22	i.e.	i.e.	X
fsr-3795	136	23	,	,	PUNCT
fsr-3795	136	24	portfolio	portfolio	NOUN
fsr-3795	136	25	composition	composition	NOUN
fsr-3795	136	26	)	)	PUNCT
fsr-3795	136	27	is	be	AUX
fsr-3795	136	28	a	a	DET
fsr-3795	136	29	linear	linear	ADJ
fsr-3795	136	30	function	function	NOUN
fsr-3795	136	31	of	of	ADP
fsr-3795	136	32	the	the	DET
fsr-3795	136	33	household	household	NOUN
fsr-3795	136	34	’s	’s	PART
fsr-3795	136	35	socioeconomic	socioeconomic	ADJ
fsr-3795	136	36	charac	charac	NOUN
fsr-3795	136	37	teristics	teristic	NOUN
fsr-3795	136	38	and	and	CCONJ
fsr-3795	136	39	attitudinal	attitudinal	ADJ
fsr-3795	136	40	factors	factor	NOUN
fsr-3795	136	41	such	such	ADJ
fsr-3795	136	42	as	as	ADP
fsr-3795	136	43	its	its	PRON
fsr-3795	136	44	attitude	attitude	NOUN
fsr-3795	136	45	toward	toward	ADP
fsr-3795	136	46	risk	risk	NOUN
fsr-3795	136	47	taking	taking	NOUN
fsr-3795	136	48	,	,	PUNCT
fsr-3795	136	49	desire	desire	NOUN
fsr-3795	136	50	to	to	PART
fsr-3795	136	51	leave	leave	VERB
fsr-3795	136	52	an	an	DET
fsr-3795	136	53	estate	estate	NOUN
fsr-3795	136	54	,	,	PUNCT
fsr-3795	136	55	expectations	expectation	NOUN
fsr-3795	136	56	about	about	ADP
fsr-3795	136	57	the	the	DET
fsr-3795	136	58	economy	economy	NOUN
fsr-3795	136	59	,	,	PUNCT
fsr-3795	136	60	and	and	CCONJ
fsr-3795	136	61	the	the	DET
fsr-3795	136	62	adequacy	adequacy	NOUN
fsr-3795	136	63	of	of	ADP
fsr-3795	136	64	social	social	ADJ
fsr-3795	136	65	security	security	NOUN
fsr-3795	136	66	and	and	CCONJ
fsr-3795	136	67	pension	pension	NOUN
fsr-3795	136	68	income	income	NOUN
fsr-3795	136	69	for	for	ADP
fsr-3795	136	70	maintaining	maintain	VERB
fsr-3795	136	71	a	a	DET
fsr-3795	136	72	standard	standard	NOUN
fsr-3795	136	73	of	of	ADP
fsr-3795	136	74	living	live	VERB
fsr-3795	136	75	after	after	ADP
fsr-3795	136	76	retirement	retirement	NOUN
fsr-3795	136	77	.	.	PUNCT
fsr-3795	137	1	the	the	DET
fsr-3795	137	2	linear	linear	PROPN
fsr-3795	137	3	model	model	NOUN
fsr-3795	137	4	estimated	estimate	VERB
fsr-3795	137	5	is	be	AUX
fsr-3795	137	6	y	y	PROPN
fsr-3795	137	7	=	=	PROPN
fsr-3795	137	8	xr+p	xr+p	PROPN
fsr-3795	137	9	(	(	PUNCT
fsr-3795	137	10	5	5	NUM
fsr-3795	137	11	)	)	PUNCT
fsr-3795	137	12	where	where	SCONJ
fsr-3795	137	13	y	y	PROPN
fsr-3795	137	14	is	be	AUX
fsr-3795	137	15	the	the	DET
fsr-3795	137	16	household	household	NOUN
fsr-3795	137	17	’s	’s	PART
fsr-3795	137	18	dollar	dollar	NOUN
fsr-3795	137	19	value	value	NOUN
fsr-3795	137	20	of	of	ADP
fsr-3795	137	21	risky	risky	ADJ
fsr-3795	137	22	assets	asset	NOUN
fsr-3795	137	23	per	per	ADP
fsr-3795	137	24	dollar	dollar	NOUN
fsr-3795	137	25	of	of	ADP
fsr-3795	137	26	wealth	wealth	NOUN
fsr-3795	137	27	(	(	PUNCT
fsr-3795	137	28	with	with	ADP
fsr-3795	137	29	higher	high	ADJ
fsr-3795	137	30	val	val	NOUN
fsr-3795	137	31	ues	ue	NOUN
fsr-3795	137	32	indicating	indicate	VERB
fsr-3795	137	33	lower	low	ADJ
fsr-3795	137	34	rra	rra	NOUN
fsr-3795	137	35	)	)	PUNCT
fsr-3795	137	36	,	,	PUNCT
fsr-3795	137	37	xl3	xl3	PROPN
fsr-3795	137	38	is	be	AUX
fsr-3795	137	39	the	the	DET
fsr-3795	137	40	matrix	matrix	NOUN
fsr-3795	137	41	of	of	ADP
fsr-3795	137	42	variables	variable	NOUN
fsr-3795	137	43	and	and	CCONJ
fsr-3795	137	44	parameters	parameter	NOUN
fsr-3795	137	45	determining	determine	VERB
fsr-3795	137	46	y	y	PROPN
fsr-3795	137	47	,	,	PUNCT
fsr-3795	137	48	and	and	CCONJ
fsr-3795	137	49	u	u	NOUN
fsr-3795	137	50	denotes	denote	VERB
fsr-3795	137	51	the	the	DET
fsr-3795	137	52	random	random	ADJ
fsr-3795	137	53	component	component	NOUN
fsr-3795	137	54	-	-	PUNCT
fsr-3795	137	55	attributes	attribute	NOUN
fsr-3795	137	56	of	of	ADP
fsr-3795	137	57	the	the	DET
fsr-3795	137	58	household	household	NOUN
fsr-3795	137	59	that	that	PRON
fsr-3795	137	60	are	be	AUX
fsr-3795	137	61	not	not	PART
fsr-3795	137	62	observed	observe	VERB
fsr-3795	137	63	or	or	CCONJ
fsr-3795	137	64	can	can	AUX
fsr-3795	137	65	not	not	PART
fsr-3795	137	66	be	be	AUX
fsr-3795	137	67	measured	measure	VERB
fsr-3795	137	68	,	,	PUNCT
fsr-3795	137	69	but	but	CCONJ
fsr-3795	137	70	impact	impact	VERB
fsr-3795	137	71	the	the	DET
fsr-3795	137	72	portfolio	portfolio	NOUN
fsr-3795	137	73	composition	composition	NOUN
fsr-3795	137	74	.	.	PUNCT
fsr-3795	138	1	definitions	definition	NOUN
fsr-3795	138	2	of	of	ADP
fsr-3795	138	3	the	the	DET
fsr-3795	138	4	socioeconomic	socioeconomic	ADJ
fsr-3795	138	5	and	and	CCONJ
fsr-3795	138	6	attitudinal	attitudinal	ADJ
fsr-3795	138	7	explanatory	explanatory	ADJ
fsr-3795	138	8	variables	variable	NOUN
fsr-3795	138	9	included	include	VERB
fsr-3795	138	10	in	in	ADP
fsr-3795	138	11	the	the	DET
fsr-3795	138	12	model	model	NOUN
fsr-3795	138	13	are	be	AUX
fsr-3795	138	14	found	find	VERB
fsr-3795	138	15	in	in	ADP
fsr-3795	138	16	table	table	NOUN
fsr-3795	138	17	3	3	NUM
fsr-3795	138	18	.	.	X
fsr-3795	138	19	note	note	VERB
fsr-3795	138	20	that	that	SCONJ
fsr-3795	138	21	the	the	DET
fsr-3795	138	22	univariate	univariate	ADJ
fsr-3795	138	23	analysis	analysis	NOUN
fsr-3795	138	24	presented	present	VERB
fsr-3795	138	25	in	in	ADP
fsr-3795	138	26	table	table	NOUN
fsr-3795	138	27	1	1	NUM
fsr-3795	138	28	indicates	indicate	VERB
fsr-3795	138	29	a	a	DET
fsr-3795	138	30	relationship	relationship	NOUN
fsr-3795	138	31	between	between	ADP
fsr-3795	138	32	the	the	DET
fsr-3795	138	33	level	level	NOUN
fsr-3795	138	34	of	of	ADP
fsr-3795	138	35	education	education	NOUN
fsr-3795	138	36	achieved	achieve	VERB
fsr-3795	138	37	by	by	ADP
fsr-3795	138	38	the	the	DET
fsr-3795	138	39	household	household	NOUN
fsr-3795	138	40	head	head	NOUN
fsr-3795	138	41	and	and	CCONJ
fsr-3795	138	42	the	the	DET
fsr-3795	138	43	value	value	NOUN
fsr-3795	138	44	of	of	ADP
fsr-3795	138	45	risky	risky	ADJ
fsr-3795	138	46	assets	asset	NOUN
fsr-3795	138	47	per	per	ADP
fsr-3795	138	48	dollar	dollar	NOUN
fsr-3795	138	49	of	of	ADP
fsr-3795	138	50	house	house	NOUN
fsr-3795	138	51	hold	hold	VERB
fsr-3795	138	52	wealth	wealth	NOUN
fsr-3795	138	53	.	.	PUNCT
fsr-3795	139	1	however	however	ADV
fsr-3795	139	2	,	,	PUNCT
fsr-3795	139	3	high	high	ADJ
fsr-3795	139	4	positive	positive	ADJ
fsr-3795	139	5	correlation	correlation	NOUN
fsr-3795	139	6	between	between	ADP
fsr-3795	139	7	education	education	NOUN
fsr-3795	139	8	and	and	CCONJ
fsr-3795	139	9	household	household	NOUN
fsr-3795	139	10	income	income	NOUN
fsr-3795	139	11	prohibits	prohibit	VERB
fsr-3795	139	12	the	the	DET
fsr-3795	139	13	inclusion	inclusion	NOUN
fsr-3795	139	14	of	of	ADP
fsr-3795	139	15	both	both	DET
fsr-3795	139	16	variables	variable	NOUN
fsr-3795	139	17	in	in	ADP
fsr-3795	139	18	the	the	DET
fsr-3795	139	19	final	final	ADJ
fsr-3795	139	20	analysis	analysis	NOUN
fsr-3795	139	21	.	.	PUNCT
fsr-3795	140	1	similar	similar	ADJ
fsr-3795	140	2	estimation	estimation	NOUN
fsr-3795	140	3	results	result	NOUN
fsr-3795	140	4	are	be	AUX
fsr-3795	140	5	risk	risk	NOUN
fsr-3795	140	6	aversion	aversion	NOUN
fsr-3795	140	7	measures	measure	VERB
fsr-3795	140	8	95	95	NUM
fsr-3795	140	9	table	table	NOUN
fsr-3795	140	10	3	3	NUM
fsr-3795	140	11	definitions	definition	NOUN
fsr-3795	140	12	of	of	ADP
fsr-3795	140	13	explanatory	explanatory	ADJ
fsr-3795	140	14	variables	variable	NOUN
fsr-3795	140	15	z.n	z.n	PROPN
fsr-3795	140	16	wealth	wealth	NOUN
fsr-3795	140	17	:	:	PUNCT
fsr-3795	140	18	natural	natural	ADJ
fsr-3795	140	19	logarithm	logarithm	NOUN
fsr-3795	140	20	of	of	ADP
fsr-3795	140	21	the	the	DET
fsr-3795	140	22	dollar	dollar	NOUN
fsr-3795	140	23	value	value	NOUN
fsr-3795	140	24	of	of	ADP
fsr-3795	140	25	household	household	NOUN
fsr-3795	140	26	wealth	wealth	NOUN
fsr-3795	140	27	.	.	PUNCT
fsr-3795	141	1	household	household	NOUN
fsr-3795	141	2	income	income	NOUN
fsr-3795	141	3	(	(	PUNCT
fsr-3795	141	4	$	$	SYM
fsr-3795	141	5	cvo)c	cvo)c	NOUN
fsr-3795	141	6	1988	1988	NUM
fsr-3795	141	7	before	before	ADP
fsr-3795	141	8	-	-	PUNCT
fsr-3795	141	9	tax	tax	NOUN
fsr-3795	141	10	household	household	NOUN
fsr-3795	141	11	income	income	NOUN
fsr-3795	141	12	from	from	ADP
fsr-3795	141	13	all	all	DET
fsr-3795	141	14	sources	source	NOUN
fsr-3795	141	15	.	.	PUNCT
fsr-3795	142	1	non	non	ADJ
fsr-3795	142	2	-	-	ADJ
fsr-3795	142	3	employed	employed	ADJ
fsr-3795	142	4	:	:	PUNCT
fsr-3795	142	5	1	1	NUM
fsr-3795	142	6	for	for	ADP
fsr-3795	142	7	those	those	DET
fsr-3795	142	8	households	household	NOUN
fsr-3795	142	9	where	where	SCONJ
fsr-3795	142	10	neither	neither	CCONJ
fsr-3795	142	11	the	the	DET
fsr-3795	142	12	head	head	NOUN
fsr-3795	142	13	of	of	ADP
fsr-3795	142	14	household	household	NOUN
fsr-3795	142	15	where	where	SCONJ
fsr-3795	142	16	neither	neither	CCONJ
fsr-3795	142	17	head	head	NOUN
fsr-3795	142	18	of	of	ADP
fsr-3795	142	19	household	household	NOUN
fsr-3795	142	20	or	or	CCONJ
fsr-3795	142	21	partner	partner	NOUN
fsr-3795	142	22	(	(	PUNCT
fsr-3795	142	23	for	for	ADP
fsr-3795	142	24	couples	couple	NOUN
fsr-3795	142	25	)	)	PUNCT
fsr-3795	142	26	is	be	AUX
fsr-3795	142	27	a	a	DET
fsr-3795	142	28	full	full	ADJ
fsr-3795	142	29	-	-	PUNCT
fsr-3795	142	30	time	time	NOUN
fsr-3795	142	31	wage	wage	NOUN
fsr-3795	142	32	earner	earner	NOUN
fsr-3795	142	33	;	;	PUNCT
fsr-3795	142	34	0	0	NUM
fsr-3795	142	35	otherwise	otherwise	ADV
fsr-3795	142	36	.	.	PUNCT
fsr-3795	143	1	race	race	NOUN
fsr-3795	143	2	-nonwhite	-nonwhite	NOUN
fsr-3795	143	3	:	:	PUNCT
fsr-3795	143	4	1	1	NUM
fsr-3795	143	5	if	if	SCONJ
fsr-3795	143	6	head	head	NOUN
fsr-3795	143	7	of	of	ADP
fsr-3795	143	8	household	household	NOUN
fsr-3795	143	9	is	be	AUX
fsr-3795	143	10	hispanic	hispanic	ADJ
fsr-3795	143	11	,	,	PUNCT
fsr-3795	143	12	african	african	ADJ
fsr-3795	143	13	-	-	PUNCT
fsr-3795	143	14	american	american	ADJ
fsr-3795	143	15	,	,	PUNCT
fsr-3795	143	16	or	or	CCONJ
fsr-3795	143	17	other	other	ADJ
fsr-3795	143	18	nonwhite	nonwhite	ADJ
fsr-3795	143	19	race	race	NOUN
fsr-3795	143	20	:	:	PUNCT
fsr-3795	143	21	0	0	NUM
fsr-3795	144	1	otherwise	otherwise	ADV
fsr-3795	144	2	.	.	PUNCT
fsr-3795	145	1	female	female	NOUN
fsr-3795	145	2	:	:	PUNCT
fsr-3795	145	3	1	1	NUM
fsr-3795	145	4	if	if	SCONJ
fsr-3795	145	5	head	head	NOUN
fsr-3795	145	6	of	of	ADP
fsr-3795	145	7	household	household	NOUN
fsr-3795	145	8	is	be	AUX
fsr-3795	145	9	female	female	ADJ
fsr-3795	145	10	;	;	PUNCT
fsr-3795	145	11	0	0	NUM
fsr-3795	145	12	if	if	SCONJ
fsr-3795	145	13	male	male	NOUN
fsr-3795	145	14	.	.	PUNCT
fsr-3795	146	1	life	life	NOUN
fsr-3795	146	2	cycle	cycle	NOUN
fsr-3795	146	3	of	of	ADP
fsr-3795	146	4	household	household	NOUN
fsr-3795	146	5	head	head	NOUN
fsr-3795	146	6	family	family	NOUN
fsr-3795	146	7	formation	formation	NOUN
fsr-3795	146	8	:	:	PUNCT
fsr-3795	147	1	0	0	PUNCT
fsr-3795	147	2	if	if	SCONJ
fsr-3795	147	3	head	head	NOUN
fsr-3795	147	4	of	of	ADP
fsr-3795	147	5	household	household	NOUN
fsr-3795	147	6	is	be	AUX
fsr-3795	147	7	<	<	X
fsr-3795	147	8	45	45	NUM
fsr-3795	147	9	years	year	NOUN
fsr-3795	147	10	old	old	ADJ
fsr-3795	147	11	,	,	PUNCT
fsr-3795	147	12	married	married	ADJ
fsr-3795	147	13	,	,	PUNCT
fsr-3795	147	14	with	with	ADP
fsr-3795	147	15	or	or	CCONJ
fsr-3795	147	16	without	without	ADP
fsr-3795	147	17	children	child	NOUN
fsr-3795	147	18	(	(	PUNCT
fsr-3795	147	19	in	in	ADP
fsr-3795	147	20	constant	constant	ADJ
fsr-3795	147	21	)	)	PUNCT
fsr-3795	147	22	.	.	PUNCT
fsr-3795	148	1	mean	mean	NOUN
fsr-3795	148	2	age	age	NOUN
fsr-3795	148	3	=	=	SYM
fsr-3795	148	4	35	35	NUM
fsr-3795	148	5	;	;	PUNCT
fsr-3795	148	6	mean	mean	ADJ
fsr-3795	148	7	number	number	NOUN
fsr-3795	148	8	of	of	ADP
fsr-3795	148	9	dependents	dependent	NOUN
fsr-3795	148	10	=	=	PUNCT
fsr-3795	148	11	2.8	2.8	NUM
fsr-3795	148	12	.	.	PUNCT
fsr-3795	149	1	young	young	ADJ
fsr-3795	149	2	single	single	ADJ
fsr-3795	149	3	:	:	PUNCT
fsr-3795	149	4	1	1	NUM
fsr-3795	149	5	if	if	SCONJ
fsr-3795	149	6	head	head	NOUN
fsr-3795	149	7	of	of	ADP
fsr-3795	149	8	household	household	NOUN
fsr-3795	149	9	is	be	AUX
fsr-3795	149	10	<	<	X
fsr-3795	149	11	45	45	NUM
fsr-3795	149	12	years	year	NOUN
fsr-3795	149	13	old	old	ADJ
fsr-3795	149	14	,	,	PUNCT
fsr-3795	149	15	single	single	ADJ
fsr-3795	149	16	,	,	PUNCT
fsr-3795	149	17	without	without	ADP
fsr-3795	149	18	children	child	NOUN
fsr-3795	149	19	;	;	PUNCT
fsr-3795	149	20	0	0	NUM
fsr-3795	149	21	otherwise	otherwise	ADV
fsr-3795	149	22	.	.	PUNCT
fsr-3795	150	1	mean	mean	VERB
fsr-3795	150	2	age	age	NOUN
fsr-3795	150	3	=	=	SYM
fsr-3795	150	4	32	32	NUM
fsr-3795	150	5	;	;	PUNCT
fsr-3795	150	6	mean	mean	ADJ
fsr-3795	150	7	number	number	NOUN
fsr-3795	150	8	of	of	ADP
fsr-3795	150	9	dependents	dependent	NOUN
fsr-3795	150	10	=	=	NOUN
fsr-3795	150	11	0.1	0.1	NUM
fsr-3795	150	12	.	.	PUNCT
fsr-3795	151	1	single	single	ADJ
fsr-3795	151	2	parent	parent	NOUN
fsr-3795	151	3	:	:	PUNCT
fsr-3795	151	4	1	1	NUM
fsr-3795	151	5	if	if	SCONJ
fsr-3795	151	6	head	head	NOUN
fsr-3795	151	7	of	of	ADP
fsr-3795	151	8	household	household	NOUN
fsr-3795	151	9	is	be	AUX
fsr-3795	151	10	any	any	DET
fsr-3795	151	11	age	age	NOUN
fsr-3795	151	12	,	,	PUNCT
fsr-3795	151	13	single	single	ADJ
fsr-3795	151	14	,	,	PUNCT
fsr-3795	151	15	with	with	ADP
fsr-3795	151	16	children	child	NOUN
fsr-3795	151	17	;	;	PUNCT
fsr-3795	151	18	0	0	NUM
fsr-3795	151	19	otherwise	otherwise	ADV
fsr-3795	151	20	.	.	PUNCT
fsr-3795	152	1	mean	mean	VERB
fsr-3795	152	2	age	age	NOUN
fsr-3795	152	3	=	=	SYM
fsr-3795	152	4	39	39	NUM
fsr-3795	152	5	;	;	PUNCT
fsr-3795	152	6	mean	mean	ADJ
fsr-3795	152	7	number	number	NOUN
fsr-3795	152	8	of	of	ADP
fsr-3795	152	9	dependents	dependent	NOUN
fsr-3795	152	10	=	=	SYM
fsr-3795	152	11	2.0	2.0	NUM
fsr-3795	152	12	.	.	PUNCT
fsr-3795	153	1	older	old	ADJ
fsr-3795	153	2	working	working	NOUN
fsr-3795	153	3	:	:	PUNCT
fsr-3795	153	4	1	1	NUM
fsr-3795	153	5	if	if	SCONJ
fsr-3795	153	6	head	head	NOUN
fsr-3795	153	7	of	of	ADP
fsr-3795	153	8	household	household	NOUN
fsr-3795	153	9	is	be	AUX
fsr-3795	153	10	2	2	NUM
fsr-3795	153	11	45	45	NUM
fsr-3795	153	12	years	year	NOUN
fsr-3795	153	13	old	old	ADJ
fsr-3795	153	14	,	,	PUNCT
fsr-3795	153	15	in	in	ADP
fsr-3795	153	16	labor	labor	NOUN
fsr-3795	153	17	force	force	NOUN
fsr-3795	153	18	;	;	PUNCT
fsr-3795	153	19	0	0	NUM
fsr-3795	153	20	otherwise	otherwise	ADV
fsr-3795	153	21	.	.	PUNCT
fsr-3795	154	1	mean	mean	VERB
fsr-3795	154	2	age	age	NOUN
fsr-3795	154	3	=	=	SYM
fsr-3795	154	4	56	56	NUM
fsr-3795	154	5	;	;	PUNCT
fsr-3795	154	6	mean	mean	ADJ
fsr-3795	154	7	number	number	NOUN
fsr-3795	154	8	of	of	ADP
fsr-3795	154	9	dependents	dependent	NOUN
fsr-3795	154	10	=	=	SYM
fsr-3795	154	11	1.4	1.4	NUM
fsr-3795	154	12	.	.	PUNCT
fsr-3795	155	1	older	old	ADJ
fsr-3795	155	2	refired	refired	NOUN
fsr-3795	155	3	:	:	PUNCT
fsr-3795	155	4	1	1	NUM
fsr-3795	155	5	if	if	SCONJ
fsr-3795	155	6	head	head	NOUN
fsr-3795	155	7	of	of	ADP
fsr-3795	155	8	household	household	NOUN
fsr-3795	155	9	is	be	AUX
fsr-3795	155	10	2	2	NUM
fsr-3795	155	11	45	45	NUM
fsr-3795	155	12	years	year	NOUN
fsr-3795	155	13	old	old	ADJ
fsr-3795	155	14	,	,	PUNCT
fsr-3795	155	15	retired	retire	VERB
fsr-3795	155	16	,	,	PUNCT
fsr-3795	155	17	or	or	CCONJ
fsr-3795	155	18	otherwise	otherwise	ADV
fsr-3795	155	19	not	not	PART
fsr-3795	155	20	in	in	ADP
fsr-3795	155	21	labor	labor	NOUN
fsr-3795	155	22	force	force	NOUN
fsr-3795	155	23	;	;	PUNCT
fsr-3795	155	24	0	0	NUM
fsr-3795	155	25	otherwise	otherwise	ADV
fsr-3795	155	26	.	.	PUNCT
fsr-3795	156	1	mean	mean	VERB
fsr-3795	156	2	age	age	NOUN
fsr-3795	156	3	=	=	SYM
fsr-3795	156	4	7	7	NUM
fsr-3795	156	5	1	1	NUM
fsr-3795	156	6	;	;	PUNCT
fsr-3795	156	7	mean	mean	ADJ
fsr-3795	156	8	number	number	NOUN
fsr-3795	156	9	of	of	ADP
fsr-3795	156	10	dependents	dependent	NOUN
fsr-3795	156	11	=	=	PUNCT
fsr-3795	156	12	0.7	0.7	NUM
fsr-3795	156	13	.	.	PUNCT
fsr-3795	156	14	estate	estate	NOUN
fsr-3795	156	15	:	:	PUNCT
fsr-3795	156	16	1	1	NUM
fsr-3795	156	17	if	if	SCONJ
fsr-3795	156	18	respondent	respondent	NOUN
fsr-3795	156	19	believes	believe	VERB
fsr-3795	156	20	it	it	PRON
fsr-3795	156	21	is	be	AUX
fsr-3795	156	22	very	very	ADV
fsr-3795	156	23	important	important	ADJ
fsr-3795	156	24	or	or	CCONJ
fsr-3795	156	25	important	important	ADJ
fsr-3795	156	26	to	to	PART
fsr-3795	156	27	leave	leave	VERB
fsr-3795	156	28	an	an	DET
fsr-3795	156	29	estate	estate	NOUN
fsr-3795	156	30	or	or	CCONJ
fsr-3795	156	31	inheritance	inheritance	NOUN
fsr-3795	156	32	to	to	ADP
fsr-3795	156	33	surviving	survive	VERB
fsr-3795	156	34	heirs	heir	NOUN
fsr-3795	156	35	;	;	PUNCT
fsr-3795	156	36	0	0	NUM
fsr-3795	156	37	otherwise	otherwise	ADV
fsr-3795	156	38	.	.	PUNCT
fsr-3795	157	1	depression	depression	NOUN
fsr-3795	157	2	;	;	PUNCT
fsr-3795	157	3	values	value	NOUN
fsr-3795	157	4	of	of	ADP
fsr-3795	157	5	0	0	NUM
fsr-3795	157	6	to	to	PART
fsr-3795	157	7	10	10	NUM
fsr-3795	157	8	indicating	indicate	VERB
fsr-3795	157	9	the	the	DET
fsr-3795	157	10	respondent	respondent	NOUN
fsr-3795	157	11	’s	’s	PART
fsr-3795	157	12	expectation	expectation	NOUN
fsr-3795	157	13	of	of	ADP
fsr-3795	157	14	the	the	DET
fsr-3795	157	15	u.s	u.s	PROPN
fsr-3795	157	16	.	.	PROPN
fsr-3795	157	17	economy	economy	NOUN
fsr-3795	157	18	experiencing	experience	VERB
fsr-3795	157	19	a	a	DET
fsr-3795	157	20	major	major	ADJ
fsr-3795	157	21	depression	depression	NOUN
fsr-3795	157	22	within	within	ADP
fsr-3795	157	23	the	the	DET
fsr-3795	157	24	next	next	ADJ
fsr-3795	157	25	10	10	NUM
fsr-3795	157	26	years	year	NOUN
fsr-3795	157	27	;	;	PUNCT
fsr-3795	157	28	0	0	X
fsr-3795	158	1	=	=	PUNCT
fsr-3795	158	2	almost	almost	ADV
fsr-3795	158	3	no	no	PRON
fsr-3795	158	4	risk	risk	NOUN
fsr-3795	158	5	,	,	PUNCT
fsr-3795	158	6	10	10	NUM
fsr-3795	158	7	=	=	SYM
fsr-3795	158	8	very	very	ADV
fsr-3795	158	9	great	great	ADJ
fsr-3795	158	10	risk	risk	NOUN
fsr-3795	158	11	.	.	PUNCT
fsr-3795	159	1	inflation	inflation	NOUN
fsr-3795	159	2	:	:	PUNCT
fsr-3795	159	3	values	value	NOUN
fsr-3795	159	4	of	of	ADP
fsr-3795	159	5	0	0	NUM
fsr-3795	159	6	to	to	PART
fsr-3795	159	7	10	10	NUM
fsr-3795	159	8	indicating	indicate	VERB
fsr-3795	159	9	the	the	DET
fsr-3795	159	10	respondent	respondent	NOUN
fsr-3795	159	11	’s	’s	PART
fsr-3795	159	12	expectation	expectation	NOUN
fsr-3795	159	13	of	of	ADP
fsr-3795	159	14	the	the	DET
fsr-3795	159	15	u.s	u.s	PROPN
fsr-3795	159	16	.	.	PROPN
fsr-3795	159	17	economy	economy	NOUN
fsr-3795	159	18	experiencing	experience	VERB
fsr-3795	159	19	double	double	ADJ
fsr-3795	159	20	digit	digit	NOUN
fsr-3795	159	21	inflation	inflation	NOUN
fsr-3795	159	22	during	during	ADP
fsr-3795	159	23	the	the	DET
fsr-3795	159	24	next	next	ADJ
fsr-3795	159	25	10	10	NUM
fsr-3795	159	26	years	year	NOUN
fsr-3795	159	27	;	;	PUNCT
fsr-3795	159	28	0	0	X
fsr-3795	159	29	=	=	PUNCT
fsr-3795	159	30	almost	almost	ADV
fsr-3795	159	31	no	no	PRON
fsr-3795	159	32	risk	risk	NOUN
fsr-3795	159	33	,	,	PUNCT
fsr-3795	159	34	10	10	NUM
fsr-3795	159	35	=	=	SYM
fsr-3795	159	36	very	very	ADV
fsr-3795	159	37	great	great	ADJ
fsr-3795	159	38	risk	risk	NOUN
fsr-3795	159	39	.	.	PUNCT
fsr-3795	160	1	refirement	refirement	ADJ
fsr-3795	160	2	income	income	NOUN
fsr-3795	160	3	;	;	PUNCT
fsr-3795	160	4	values	value	NOUN
fsr-3795	160	5	of	of	ADP
fsr-3795	160	6	0	0	NUM
fsr-3795	160	7	to	to	PART
fsr-3795	160	8	10	10	NUM
fsr-3795	160	9	indicating	indicate	VERB
fsr-3795	160	10	the	the	DET
fsr-3795	160	11	respondent	respondent	NOUN
fsr-3795	160	12	’s	’s	PART
fsr-3795	160	13	rating	rating	NOUN
fsr-3795	160	14	of	of	ADP
fsr-3795	160	15	the	the	DET
fsr-3795	160	16	retirement	retirement	NOUN
fsr-3795	160	17	income	income	NOUN
fsr-3795	160	18	expected	expect	VERB
fsr-3795	160	19	(	(	PUNCT
fsr-3795	160	20	or	or	CCONJ
fsr-3795	160	21	cur	cur	VERB
fsr-3795	160	22	rently	rently	ADV
fsr-3795	160	23	receiving	receiving	NOUN
fsr-3795	160	24	)	)	PUNCT
fsr-3795	160	25	from	from	ADP
fsr-3795	160	26	social	social	ADJ
fsr-3795	160	27	security	security	NOUN
fsr-3795	160	28	and	and	CCONJ
fsr-3795	160	29	job	job	NOUN
fsr-3795	160	30	pensions	pension	NOUN
fsr-3795	160	31	;	;	PUNCT
fsr-3795	160	32	0	0	X
fsr-3795	160	33	=	=	SYM
fsr-3795	160	34	totally	totally	ADV
fsr-3795	160	35	inadequate	inadequate	ADJ
fsr-3795	160	36	,	,	PUNCT
fsr-3795	160	37	5	5	NUM
fsr-3795	160	38	=	=	PUNCT
fsr-3795	160	39	enough	enough	ADJ
fsr-3795	160	40	to	to	PART
fsr-3795	160	41	maintain	maintain	VERB
fsr-3795	160	42	living	living	NOUN
fsr-3795	160	43	standards	standard	NOUN
fsr-3795	160	44	,	,	PUNCT
fsr-3795	160	45	10	10	NUM
fsr-3795	160	46	=	=	SYM
fsr-3795	160	47	very	very	ADV
fsr-3795	160	48	satisfactory	satisfactory	ADJ
fsr-3795	160	49	.	.	PUNCT
fsr-3795	161	1	risk	risk	NOUN
fsr-3795	161	2	taking	take	VERB
fsr-3795	161	3	substantial	substantial	ADJ
fsr-3795	161	4	:	:	PUNCT
fsr-3795	161	5	1	1	NUM
fsr-3795	161	6	if	if	SCONJ
fsr-3795	161	7	the	the	DET
fsr-3795	161	8	respondent	respondent	NOUN
fsr-3795	161	9	is	be	AUX
fsr-3795	161	10	willing	willing	ADJ
fsr-3795	161	11	to	to	PART
fsr-3795	161	12	take	take	VERB
fsr-3795	161	13	substantial	substantial	ADJ
fsr-3795	161	14	financial	financial	ADJ
fsr-3795	161	15	risks	risk	NOUN
fsr-3795	161	16	expecting	expect	VERB
fsr-3795	161	17	to	to	PART
fsr-3795	161	18	earn	earn	VERB
fsr-3795	161	19	substantial	substantial	ADJ
fsr-3795	161	20	returns	return	NOUN
fsr-3795	161	21	;	;	PUNCT
fsr-3795	161	22	0	0	NUM
fsr-3795	161	23	otherwise	otherwise	ADV
fsr-3795	161	24	.	.	PUNCT
fsr-3795	162	1	above	above	ADP
fsr-3795	162	2	average	average	ADJ
fsr-3795	162	3	:	:	PUNCT
fsr-3795	162	4	1	1	NUM
fsr-3795	162	5	if	if	SCONJ
fsr-3795	162	6	the	the	DET
fsr-3795	162	7	respondent	respondent	NOUN
fsr-3795	162	8	is	be	AUX
fsr-3795	162	9	willing	willing	ADJ
fsr-3795	162	10	to	to	PART
fsr-3795	162	11	take	take	VERB
fsr-3795	162	12	above	above	ADV
fsr-3795	162	13	average	average	ADJ
fsr-3795	162	14	financial	financial	ADJ
fsr-3795	162	15	risks	risk	NOUN
fsr-3795	162	16	expecting	expect	VERB
fsr-3795	162	17	to	to	PART
fsr-3795	162	18	earn	earn	VERB
fsr-3795	162	19	above	above	ADP
fsr-3795	162	20	average	average	ADJ
fsr-3795	162	21	returns	return	NOUN
fsr-3795	162	22	;	;	PUNCT
fsr-3795	162	23	0	0	NUM
fsr-3795	162	24	otherwise	otherwise	ADV
fsr-3795	162	25	.	.	PUNCT
fsr-3795	163	1	average	average	ADJ
fsr-3795	163	2	:	:	PUNCT
fsr-3795	163	3	1	1	NUM
fsr-3795	163	4	if	if	SCONJ
fsr-3795	163	5	the	the	DET
fsr-3795	163	6	respondent	respondent	NOUN
fsr-3795	163	7	is	be	AUX
fsr-3795	163	8	willing	willing	ADJ
fsr-3795	163	9	to	to	PART
fsr-3795	163	10	take	take	VERB
fsr-3795	163	11	average	average	ADJ
fsr-3795	163	12	financial	financial	ADJ
fsr-3795	163	13	risks	risk	NOUN
fsr-3795	163	14	expecting	expect	VERB
fsr-3795	163	15	to	to	PART
fsr-3795	163	16	earn	earn	VERB
fsr-3795	163	17	average	average	ADJ
fsr-3795	163	18	returns	return	NOUN
fsr-3795	163	19	;	;	PUNCT
fsr-3795	163	20	0	0	NUM
fsr-3795	163	21	otherwise	otherwise	ADV
fsr-3795	163	22	.	.	PUNCT
fsr-3795	164	1	none	none	NOUN
fsr-3795	164	2	:	:	PUNCT
fsr-3795	164	3	0	0	PUNCT
fsr-3795	164	4	if	if	SCONJ
fsr-3795	164	5	the	the	DET
fsr-3795	164	6	resnondent	resnondent	NOUN
fsr-3795	164	7	is	be	AUX
fsr-3795	164	8	not	not	PART
fsr-3795	164	9	willinn	willinn	NOUN
fsr-3795	164	10	to	to	PART
fsr-3795	164	11	take	take	VERB
fsr-3795	164	12	any	any	DET
fsr-3795	164	13	financial	financial	ADJ
fsr-3795	164	14	risk	risk	NOUN
fsr-3795	164	15	.	.	PUNCT
fsr-3795	165	1	obtained	obtain	VERB
fsr-3795	165	2	when	when	SCONJ
fsr-3795	165	3	variables	variable	NOUN
fsr-3795	165	4	measuring	measure	VERB
fsr-3795	165	5	the	the	DET
fsr-3795	165	6	education	education	NOUN
fsr-3795	165	7	of	of	ADP
fsr-3795	165	8	the	the	DET
fsr-3795	165	9	household	household	NOUN
fsr-3795	165	10	head	head	NOUN
fsr-3795	165	11	are	be	AUX
fsr-3795	165	12	substituted	substitute	VERB
fsr-3795	165	13	for	for	ADP
fsr-3795	165	14	household	household	NOUN
fsr-3795	165	15	income	income	NOUN
fsr-3795	165	16	in	in	ADP
fsr-3795	165	17	the	the	DET
fsr-3795	165	18	model	model	NOUN
fsr-3795	165	19	.	.	PUNCT
fsr-3795	166	1	the	the	DET
fsr-3795	166	2	analysis	analysis	NOUN
fsr-3795	166	3	is	be	AUX
fsr-3795	166	4	performed	perform	VERB
fsr-3795	166	5	on	on	ADP
fsr-3795	166	6	each	each	PRON
fsr-3795	166	7	of	of	ADP
fsr-3795	166	8	the	the	DET
fsr-3795	166	9	five	five	NUM
fsr-3795	166	10	imputations	imputation	NOUN
fsr-3795	166	11	in	in	ADP
fsr-3795	166	12	the	the	DET
fsr-3795	166	13	data	data	NOUN
fsr-3795	166	14	set	set	VERB
fsr-3795	166	15	.	.	PUNCT
fsr-3795	167	1	the	the	DET
fsr-3795	167	2	estimated	estimate	VERB
fsr-3795	167	3	parameters	parameter	NOUN
fsr-3795	167	4	from	from	ADP
fsr-3795	167	5	each	each	PRON
fsr-3795	167	6	are	be	AUX
fsr-3795	167	7	combined	combine	VERB
fsr-3795	167	8	,	,	PUNCT
fsr-3795	167	9	taking	take	VERB
fsr-3795	167	10	into	into	ADP
fsr-3795	167	11	consideration	consideration	NOUN
fsr-3795	167	12	the	the	DET
fsr-3795	167	13	variation	variation	NOUN
fsr-3795	167	14	across	across	ADP
fsr-3795	167	15	the	the	DET
fsr-3795	167	16	imputations	imputation	NOUN
fsr-3795	167	17	.	.	PUNCT
fsr-3795	168	1	using	use	VERB
fsr-3795	168	2	the	the	DET
fsr-3795	168	3	multiple	multiple	ADJ
fsr-3795	168	4	imputations	imputation	NOUN
fsr-3795	168	5	in	in	ADP
fsr-3795	168	6	this	this	DET
fsr-3795	168	7	manner	manner	NOUN
fsr-3795	168	8	increases	increase	VERB
fsr-3795	168	9	the	the	DET
fsr-3795	168	10	efficiency	efficiency	NOUN
fsr-3795	168	11	of	of	ADP
fsr-3795	168	12	the	the	DET
fsr-3795	168	13	estimated	estimate	VERB
fsr-3795	168	14	parameters	parameter	NOUN
fsr-3795	168	15	and	and	CCONJ
fsr-3795	168	16	test	test	NOUN
fsr-3795	168	17	statistics	statistic	NOUN
fsr-3795	168	18	.	.	PUNCT
fsr-3795	169	1	the	the	DET
fsr-3795	169	2	use	use	NOUN
fsr-3795	169	3	of	of	ADP
fsr-3795	169	4	a	a	DET
fsr-3795	169	5	single	single	ADJ
fsr-3795	169	6	imputation	imputation	NOUN
fsr-3795	169	7	for	for	ADP
fsr-3795	169	8	the	the	DET
fsr-3795	169	9	estimation	estimation	NOUN
fsr-3795	169	10	of	of	ADP
fsr-3795	169	11	the	the	DET
fsr-3795	169	12	nonresponses	nonresponse	NOUN
fsr-3795	169	13	leads	lead	VERB
fsr-3795	169	14	to	to	ADP
fsr-3795	169	15	biased	biased	ADJ
fsr-3795	169	16	results	result	NOUN
fsr-3795	169	17	(	(	PUNCT
fsr-3795	169	18	see	see	VERB
fsr-3795	169	19	rubin	rubin	PROPN
fsr-3795	169	20	,	,	PUNCT
fsr-3795	169	21	1987	1987	NUM
fsr-3795	169	22	)	)	PUNCT
fsr-3795	169	23	.	.	PUNCT
fsr-3795	170	1	because	because	SCONJ
fsr-3795	170	2	of	of	ADP
fsr-3795	170	3	this	this	DET
fsr-3795	170	4	methodology	methodology	NOUN
fsr-3795	170	5	,	,	PUNCT
fsr-3795	170	6	an	an	DET
fsr-3795	170	7	f	f	PROPN
fsr-3795	170	8	statistic	statistic	NOUN
fsr-3795	170	9	is	be	AUX
fsr-3795	170	10	reported	report	VERB
fsr-3795	170	11	to	to	PART
fsr-3795	170	12	test	test	VERB
fsr-3795	170	13	the	the	DET
fsr-3795	170	14	significance	significance	NOUN
fsr-3795	170	15	of	of	ADP
fsr-3795	170	16	each	each	DET
fsr-3795	170	17	estimated	estimate	VERB
fsr-3795	170	18	coefficient	coefficient	NOUN
fsr-3795	170	19	,	,	PUNCT
fsr-3795	170	20	rather	rather	ADV
fsr-3795	170	21	than	than	ADP
fsr-3795	170	22	the	the	DET
fsr-3795	170	23	traditional	traditional	ADJ
fsr-3795	170	24	t	t	PROPN
fsr-3795	170	25	-	-	PUNCT
fsr-3795	170	26	statistic	statistic	NOUN
fsr-3795	170	27	.	.	PUNCT
fsr-3795	171	1	the	the	DET
fsr-3795	171	2	observed	observed	ADJ
fsr-3795	171	3	level	level	NOUN
fsr-3795	171	4	of	of	ADP
fsr-3795	171	5	significance	significance	NOUN
fsr-3795	171	6	,	,	PUNCT
fsr-3795	171	7	the	the	DET
fsr-3795	171	8	p	p	NOUN
fsr-3795	171	9	-	-	PUNCT
fsr-3795	171	10	value	value	NOUN
fsr-3795	171	11	,	,	PUNCT
fsr-3795	171	12	is	be	AUX
fsr-3795	171	13	reported	report	VERB
fsr-3795	171	14	with	with	ADP
fsr-3795	171	15	each	each	DET
fsr-3795	171	16	statistic	statistic	NOUN
fsr-3795	171	17	to	to	PART
fsr-3795	171	18	facilitate	facilitate	VERB
fsr-3795	171	19	the	the	DET
fsr-3795	171	20	evaluation	evaluation	NOUN
fsr-3795	171	21	of	of	ADP
fsr-3795	171	22	the	the	DET
fsr-3795	171	23	results	result	NOUN
fsr-3795	171	24	,	,	PUNCT
fsr-3795	171	25	which	which	PRON
fsr-3795	171	26	are	be	AUX
fsr-3795	171	27	reported	report	VERB
fsr-3795	171	28	in	in	ADP
fsr-3795	171	29	table	table	NOUN
fsr-3795	171	30	4	4	NUM
fsr-3795	171	31	.	.	PUNCT
fsr-3795	172	1	the	the	DET
fsr-3795	172	2	model	model	NOUN
fsr-3795	172	3	’s	’s	PART
fsr-3795	172	4	overall	overall	ADJ
fsr-3795	172	5	explanatory	explanatory	ADJ
fsr-3795	172	6	power	power	NOUN
fsr-3795	172	7	is	be	AUX
fsr-3795	172	8	significant	significant	ADJ
fsr-3795	172	9	,	,	PUNCT
fsr-3795	172	10	with	with	ADP
fsr-3795	172	11	adjusted	adjusted	ADJ
fsr-3795	172	12	r2	r2	NOUN
fsr-3795	172	13	for	for	ADP
fsr-3795	172	14	the	the	DET
fsr-3795	172	15	separate	separate	ADJ
fsr-3795	172	16	imputations	imputation	NOUN
fsr-3795	172	17	ranging	range	VERB
fsr-3795	172	18	from	from	ADP
fsr-3795	172	19	48	48	NUM
fsr-3795	172	20	to	to	PART
fsr-3795	172	21	52	52	NUM
fsr-3795	172	22	percent	percent	NOUN
fsr-3795	172	23	.	.	PUNCT
fsr-3795	173	1	the	the	DET
fsr-3795	173	2	estimated	estimate	VERB
fsr-3795	173	3	coefficient	coefficient	NOUN
fsr-3795	173	4	on	on	ADP
fsr-3795	173	5	the	the	DET
fsr-3795	173	6	log	log	NOUN
fsr-3795	173	7	of	of	ADP
fsr-3795	173	8	wealth	wealth	NOUN
fsr-3795	173	9	is	be	AUX
fsr-3795	173	10	significantly	significantly	ADV
fsr-3795	173	11	positive	positive	ADJ
fsr-3795	173	12	,	,	PUNCT
fsr-3795	173	13	indicating	indicate	VERB
fsr-3795	173	14	decreasing	decrease	VERB
fsr-3795	173	15	rra	rra	NOUN
fsr-3795	173	16	.	.	PUNCT
fsr-3795	174	1	that	that	PRON
fsr-3795	174	2	is	be	AUX
fsr-3795	174	3	,	,	PUNCT
fsr-3795	174	4	when	when	SCONJ
fsr-3795	174	5	other	other	ADJ
fsr-3795	174	6	socioeconomic	socioeconomic	ADJ
fsr-3795	174	7	factors	factor	NOUN
fsr-3795	174	8	and	and	CCONJ
fsr-3795	174	9	the	the	DET
fsr-3795	174	10	measured	measured	ADJ
fsr-3795	174	11	expectations	expectation	NOUN
fsr-3795	174	12	and	and	CCONJ
fsr-3795	174	13	attitudes	attitude	NOUN
fsr-3795	174	14	are	be	AUX
fsr-3795	174	15	held	hold	VERB
fsr-3795	174	16	constant	constant	ADJ
fsr-3795	174	17	,	,	PUNCT
fsr-3795	174	18	this	this	DET
fsr-3795	174	19	study	study	NOUN
fsr-3795	174	20	finds	find	VERB
fsr-3795	174	21	that	that	SCONJ
fsr-3795	174	22	96	96	NUM
fsr-3795	174	23	financial	financial	ADJ
fsr-3795	174	24	services	service	NOUN
fsr-3795	174	25	review	review	VERB
fsr-3795	174	26	5(2	5(2	NUM
fsr-3795	174	27	)	)	PUNCT
fsr-3795	174	28	1996	1996	NUM
fsr-3795	174	29	expianafury	expianafury	ADJ
fsr-3795	174	30	variable	variable	ADJ
fsr-3795	174	31	table	table	NOUN
fsr-3795	174	32	4	4	NUM
fsr-3795	174	33	regression	regression	NOUN
fsr-3795	174	34	analysis	analysis	NOUN
fsr-3795	174	35	of	of	ADP
fsr-3795	174	36	risky	risky	ADJ
fsr-3795	174	37	assets	asset	NOUN
fsr-3795	174	38	to	to	ADP
fsr-3795	174	39	wealth	wealth	NOUN
fsr-3795	174	40	estimated	estimate	VERB
fsr-3795	174	41	cmffici6tlt	cmffici6tlt	NOUN
fsr-3795	174	42	f	f	PROPN
fsr-3795	174	43	statistic	statistic	VERB
fsr-3795	174	44	p	p	NOUN
fsr-3795	174	45	-	-	PUNCT
fsr-3795	174	46	value	value	NOUN
fsr-3795	174	47	ln	ln	ADJ
fsr-3795	174	48	wealth	wealth	NOUN
fsr-3795	174	49	household	household	NOUN
fsr-3795	174	50	income	income	NOUN
fsr-3795	174	51	(	(	PUNCT
fsr-3795	174	52	$	$	SYM
fsr-3795	174	53	000	000	NUM
fsr-3795	174	54	)	)	PUNCT
fsr-3795	174	55	non	non	ADJ
fsr-3795	174	56	-	-	ADJ
fsr-3795	174	57	employed	employ	VERB
fsr-3795	174	58	household	household	NOUN
fsr-3795	174	59	head	head	NOUN
fsr-3795	174	60	demographics	demographic	NOUN
fsr-3795	174	61	race	race	NOUN
fsr-3795	174	62	-nonwhite	-nonwhite	ADJ
fsr-3795	174	63	female	female	ADJ
fsr-3795	174	64	stage	stage	NOUN
fsr-3795	174	65	of	of	ADP
fsr-3795	174	66	life	life	NOUN
fsr-3795	174	67	cycle	cycle	NOUN
fsr-3795	174	68	young	young	ADJ
fsr-3795	174	69	single	single	ADJ
fsr-3795	174	70	single	single	ADJ
fsr-3795	174	71	parent	parent	NOUN
fsr-3795	174	72	older	old	ADJ
fsr-3795	174	73	working	work	VERB
fsr-3795	174	74	older	old	ADJ
fsr-3795	174	75	retired	retired	ADJ
fsr-3795	174	76	attitude	attitude	NOUN
fsr-3795	174	77	~	~	SYM
fsr-3795	174	78	xpectations	xpectation	NOUN
fsr-3795	174	79	estate	estate	NOUN
fsr-3795	174	80	depression	depression	NOUN
fsr-3795	174	81	inflation	inflation	NOUN
fsr-3795	174	82	retirement	retirement	NOUN
fsr-3795	174	83	income	income	NOUN
fsr-3795	174	84	risk	risk	NOUN
fsr-3795	174	85	taking	take	VERB
fsr-3795	174	86	substantial	substantial	ADJ
fsr-3795	174	87	above	above	ADP
fsr-3795	174	88	average	average	ADJ
fsr-3795	174	89	average	average	ADJ
fsr-3795	174	90	.06	.06	NUM
fsr-3795	174	91	t	t	NOUN
fsr-3795	174	92	*	*	PROPN
fsr-3795	174	93	162.40	162.40	NUM
fsr-3795	174	94	.000003	.000003	NOUN
fsr-3795	174	95	.oo	.oo	PUNCT
fsr-3795	175	1	-.288	-.288	PROPN
fsr-3795	176	1	*	*	PUNCT
fsr-3795	176	2	112.12	112.12	NUM
fsr-3795	176	3	.oss	.oss	PUNCT
fsr-3795	176	4	*	*	NOUN
fsr-3795	176	5	ii.11	ii.11	ADJ
fsr-3795	176	6	,	,	PUNCT
fsr-3795	176	7	000	000	NUM
fsr-3795	176	8	-.025	-.025	VERB
fsr-3795	176	9	1.83	1.83	NUM
fsr-3795	176	10	.178	.178	NUM
fsr-3795	176	11	,	,	PUNCT
fsr-3795	176	12	030	030	NUM
fsr-3795	176	13	1.49	1.49	NUM
fsr-3795	176	14	,	,	PUNCT
fsr-3795	176	15	223	223	NUM
fsr-3795	176	16	,	,	PUNCT
fsr-3795	176	17	040	040	NUM
fsr-3795	176	18	1.52	1.52	NUM
fsr-3795	176	19	.218	.218	NUM
fsr-3795	176	20	-.015	-.015	X
fsr-3795	176	21	.71	.71	NUM
fsr-3795	176	22	,	,	PUNCT
fsr-3795	176	23	399	399	NUM
fsr-3795	176	24	-.168	-.168	NOUN
fsr-3795	176	25	*	*	SYM
fsr-3795	176	26	32.28	32.28	NUM
fsr-3795	176	27	boo	boo	NOUN
fsr-3795	176	28	.030	.030	NOUN
fsr-3795	176	29	*	*	PUNCT
fsr-3795	176	30	*	*	PUNCT
fsr-3795	176	31	5.34	5.34	NUM
fsr-3795	176	32	,	,	PUNCT
fsr-3795	176	33	021	021	NUM
fsr-3795	176	34	-.003	-.003	NUM
fsr-3795	176	35	.97	.97	NUM
fsr-3795	176	36	,	,	PUNCT
fsr-3795	176	37	325	325	NUM
fsr-3795	176	38	,	,	PUNCT
fsr-3795	176	39	003	003	NUM
fsr-3795	176	40	.97	.97	NUM
fsr-3795	176	41	.325	.325	NUM
fsr-3795	176	42	-.oo7	-.oo7	X
fsr-3795	176	43	*	*	PROPN
fsr-3795	176	44	8.02	8.02	NUM
fsr-3795	176	45	,	,	PUNCT
fsr-3795	176	46	005	005	NUM
fsr-3795	176	47	.129	.129	NUM
fsr-3795	176	48	*	*	NUM
fsr-3795	176	49	13.34	13.34	NUM
fsr-3795	176	50	,	,	PUNCT
fsr-3795	176	51	000	000	NUM
fsr-3795	176	52	,	,	PUNCT
fsr-3795	176	53	029	029	NUM
fsr-3795	176	54	i.51	i.51	NOUN
fsr-3795	176	55	,	,	PUNCT
fsr-3795	176	56	219	219	NUM
fsr-3795	176	57	,	,	PUNCT
fsr-3795	176	58	010	010	NUM
fsr-3795	176	59	.48	.48	NUM
fsr-3795	176	60	.490	.490	NUM
fsr-3795	176	61	.ooo	.ooo	PUNCT
fsr-3795	176	62	,	,	PUNCT
fsr-3795	176	63	969	969	NUM
fsr-3795	177	1	.ooo	.ooo	SYM
fsr-3795	177	2	constant	constant	ADJ
fsr-3795	177	3	.213	.213	NOUN
fsr-3795	177	4	*	*	SYM
fsr-3795	177	5	10.43	10.43	NUM
fsr-3795	177	6	.ool	.ool	NOUN
fsr-3795	177	7	notes	note	NOUN
fsr-3795	177	8	:	:	PUNCT
fsr-3795	177	9	dependent	dependent	ADJ
fsr-3795	177	10	variable	variable	ADJ
fsr-3795	177	11	mean	mean	NOUN
fsr-3795	177	12	value	value	NOUN
fsr-3795	177	13	=	=	PUNCT
fsr-3795	177	14	,	,	PUNCT
fsr-3795	177	15	807	807	NUM
fsr-3795	177	16	.	.	PUNCT
fsr-3795	178	1	mean	mean	VERB
fsr-3795	178	2	wealth	wealth	NOUN
fsr-3795	178	3	=	=	PUNCT
fsr-3795	178	4	$	$	SYM
fsr-3795	178	5	294,825	294,825	NUM
fsr-3795	178	6	.	.	PUNCT
fsr-3795	179	1	n	n	NOUN
fsr-3795	179	2	=	=	SYM
fsr-3795	179	3	2239	2239	NUM
fsr-3795	179	4	.	.	PUNCT
fsr-3795	180	1	overalt	overalt	ADJ
fsr-3795	180	2	fstatistic	fstatistic	NOUN
fsr-3795	180	3	=	=	PUNCT
fsr-3795	180	4	123.26	123.26	NUM
fsr-3795	180	5	*	*	NUM
fsr-3795	180	6	.	.	PUNCT
fsr-3795	181	1	(	(	PUNCT
fsr-3795	181	2	r2	r2	NOUN
fsr-3795	181	3	for	for	ADP
fsr-3795	181	4	separate	separate	ADJ
fsr-3795	181	5	imputation	imputation	NOUN
fsr-3795	181	6	regressions	regression	NOUN
fsr-3795	181	7	are	be	AUX
fsr-3795	181	8	reported	report	VERB
fsr-3795	181	9	in	in	ADP
fsr-3795	181	10	appendix	appendix	NOUN
fsr-3795	181	11	.	.	PUNCT
fsr-3795	181	12	)	)	PUNCT
fsr-3795	182	1	‘	'	PUNCT
fsr-3795	182	2	significant	significant	ADJ
fsr-3795	182	3	at	at	ADP
fsr-3795	182	4	the	the	DET
fsr-3795	182	5	1	1	NUM
fsr-3795	182	6	percent	percent	NOUN
fsr-3795	182	7	level	level	NOUN
fsr-3795	182	8	.	.	PUNCT
fsr-3795	183	1	an	an	DET
fsr-3795	183	2	f	f	PROPN
fsr-3795	183	3	statistic	statistic	NOUN
fsr-3795	183	4	,	,	PUNCT
fsr-3795	183	5	rather	rather	ADV
fsr-3795	183	6	than	than	ADP
fsr-3795	183	7	the	the	DET
fsr-3795	183	8	traditional	traditional	ADJ
fsr-3795	183	9	1	1	NUM
fsr-3795	183	10	-	-	PUNCT
fsr-3795	183	11	statistic	statistic	NOUN
fsr-3795	183	12	,	,	PUNCT
fsr-3795	183	13	is	be	AUX
fsr-3795	183	14	calculated	calculate	VERB
fsr-3795	183	15	from	from	ADP
fsr-3795	183	16	the	the	DET
fsr-3795	183	17	estimated	estimate	VERB
fsr-3795	183	18	parameters	parameter	NOUN
fsr-3795	183	19	and	and	CCONJ
fsr-3795	183	20	parameter	parameter	NOUN
fsr-3795	183	21	variances	variance	NOUN
fsr-3795	183	22	across	across	ADP
fsr-3795	183	23	the	the	DET
fsr-3795	183	24	five	five	NUM
fsr-3795	183	25	imputations	imputation	NOUN
fsr-3795	183	26	.	.	PUNCT
fsr-3795	184	1	the	the	DET
fsr-3795	184	2	p	p	NOUN
fsr-3795	184	3	-	-	PUNCT
fsr-3795	184	4	value	value	NOUN
fsr-3795	184	5	is	be	AUX
fsr-3795	184	6	the	the	DET
fsr-3795	184	7	observed	observed	ADJ
fsr-3795	184	8	level	level	NOUN
fsr-3795	184	9	of	of	ADP
fsr-3795	184	10	significance	significance	NOUN
fsr-3795	184	11	associated	associate	VERB
fsr-3795	184	12	with	with	ADP
fsr-3795	184	13	each	each	DET
fsr-3795	184	14	f	f	PROPN
fsr-3795	184	15	statistic	statistic	NOUN
fsr-3795	184	16	.	.	PUNCT
fsr-3795	185	1	*	*	PUNCT
fsr-3795	185	2	*	*	PUNCT
fsr-3795	185	3	significant	significant	ADJ
fsr-3795	185	4	at	at	ADP
fsr-3795	185	5	the	the	DET
fsr-3795	185	6	5	5	NUM
fsr-3795	185	7	percent	percent	NOUN
fsr-3795	185	8	level	level	NOUN
fsr-3795	185	9	.	.	PUNCT
fsr-3795	186	1	increases	increase	NOUN
fsr-3795	186	2	in	in	ADP
fsr-3795	186	3	househoids	househoid	NOUN
fsr-3795	186	4	’	'	PUNCT
fsr-3795	186	5	holdings	holding	NOUN
fsr-3795	186	6	of	of	ADP
fsr-3795	186	7	risky	risky	ADJ
fsr-3795	186	8	assets	asset	NOUN
fsr-3795	186	9	per	per	ADP
fsr-3795	186	10	dollar	dollar	NOUN
fsr-3795	186	11	of	of	ADP
fsr-3795	186	12	wealth	wealth	NOUN
fsr-3795	186	13	are	be	AUX
fsr-3795	186	14	positively	positively	ADV
fsr-3795	186	15	related	relate	VERB
fsr-3795	186	16	to	to	ADP
fsr-3795	186	17	increases	increase	NOUN
fsr-3795	186	18	in	in	ADP
fsr-3795	186	19	their	their	PRON
fsr-3795	186	20	wealth	wealth	NOUN
fsr-3795	186	21	.	.	PUNCT
fsr-3795	187	1	while	while	SCONJ
fsr-3795	187	2	household	household	NOUN
fsr-3795	187	3	income	income	NOUN
fsr-3795	187	4	is	be	AUX
fsr-3795	187	5	not	not	PART
fsr-3795	187	6	significant	significant	ADJ
fsr-3795	187	7	,	,	PUNCT
fsr-3795	187	8	whether	whether	SCONJ
fsr-3795	187	9	a	a	DET
fsr-3795	187	10	household	household	NOUN
fsr-3795	187	11	head	head	NOUN
fsr-3795	187	12	,	,	PUNCT
fsr-3795	187	13	and/or	and/or	CCONJ
fsr-3795	187	14	partner	partner	NOUN
fsr-3795	187	15	,	,	PUNCT
fsr-3795	187	16	are	be	AUX
fsr-3795	187	17	full	full	ADJ
fsr-3795	187	18	-	-	PUNCT
fsr-3795	187	19	time	time	NOUN
fsr-3795	187	20	wage	wage	NOUN
fsr-3795	187	21	earners	earner	NOUN
fsr-3795	187	22	is	be	AUX
fsr-3795	187	23	significantly	significantly	ADV
fsr-3795	187	24	related	relate	VERB
fsr-3795	187	25	to	to	ADP
fsr-3795	187	26	the	the	DET
fsr-3795	187	27	holdings	holding	NOUN
fsr-3795	187	28	of	of	ADP
fsr-3795	187	29	risky	risky	ADJ
fsr-3795	187	30	assets	asset	NOUN
fsr-3795	187	31	per	per	ADP
fsr-3795	187	32	dollar	dollar	NOUN
fsr-3795	187	33	of	of	ADP
fsr-3795	187	34	wealth	wealth	NOUN
fsr-3795	187	35	.	.	PUNCT
fsr-3795	188	1	the	the	DET
fsr-3795	188	2	negative	negative	ADJ
fsr-3795	188	3	sign	sign	NOUN
fsr-3795	188	4	on	on	ADP
fsr-3795	188	5	the	the	DET
fsr-3795	188	6	coefficient	coefficient	NOUN
fsr-3795	188	7	may	may	AUX
fsr-3795	188	8	indicate	indicate	VERB
fsr-3795	188	9	that	that	SCONJ
fsr-3795	188	10	those	those	DET
fsr-3795	188	11	households	household	NOUN
fsr-3795	188	12	with	with	ADP
fsr-3795	188	13	no	no	DET
fsr-3795	188	14	full	full	ADJ
fsr-3795	188	15	-	-	PUNCT
fsr-3795	188	16	time	time	NOUN
fsr-3795	188	17	earnings	earning	NOUN
fsr-3795	188	18	are	be	AUX
fsr-3795	188	19	less	less	ADV
fsr-3795	188	20	willing	willing	ADJ
fsr-3795	188	21	to	to	PART
fsr-3795	188	22	hold	hold	VERB
fsr-3795	188	23	risky	risky	ADJ
fsr-3795	188	24	assets	asset	NOUN
fsr-3795	188	25	.	.	PUNCT
fsr-3795	189	1	in	in	ADP
fsr-3795	189	2	addition	addition	NOUN
fsr-3795	189	3	,	,	PUNCT
fsr-3795	189	4	this	this	DET
fsr-3795	189	5	categorical	categorical	ADJ
fsr-3795	189	6	variable	variable	NOUN
fsr-3795	189	7	reflects	reflect	VERB
fsr-3795	189	8	whether	whether	SCONJ
fsr-3795	189	9	a	a	DET
fsr-3795	189	10	household	household	NOUN
fsr-3795	189	11	has	have	AUX
fsr-3795	189	12	estimated	estimate	VERB
fsr-3795	189	13	human	human	ADJ
fsr-3795	189	14	capital	capital	NOUN
fsr-3795	189	15	;	;	PUNCT
fsr-3795	189	16	holding	hold	VERB
fsr-3795	189	17	all	all	DET
fsr-3795	189	18	else	else	ADV
fsr-3795	189	19	constant	constant	ADJ
fsr-3795	189	20	,	,	PUNCT
fsr-3795	189	21	house	house	NOUN
fsr-3795	189	22	holds	hold	VERB
fsr-3795	189	23	with	with	ADP
fsr-3795	189	24	a	a	DET
fsr-3795	189	25	zero	zero	NUM
fsr-3795	189	26	value	value	NOUN
fsr-3795	189	27	for	for	ADP
fsr-3795	189	28	human	human	ADJ
fsr-3795	189	29	capital	capital	NOUN
fsr-3795	189	30	are	be	AUX
fsr-3795	189	31	expected	expect	VERB
fsr-3795	189	32	to	to	PART
fsr-3795	189	33	have	have	VERB
fsr-3795	189	34	fewer	few	ADJ
fsr-3795	189	35	risky	risky	ADJ
fsr-3795	189	36	assets	asset	NOUN
fsr-3795	189	37	.	.	PUNCT
fsr-3795	190	1	because	because	SCONJ
fsr-3795	190	2	this	this	DET
fsr-3795	190	3	variable	variable	NOUN
fsr-3795	190	4	holds	hold	VERB
fsr-3795	190	5	constant	constant	ADJ
fsr-3795	190	6	the	the	DET
fsr-3795	190	7	inclusion	inclusion	NOUN
fsr-3795	190	8	of	of	ADP
fsr-3795	190	9	human	human	ADJ
fsr-3795	190	10	capital	capital	NOUN
fsr-3795	190	11	in	in	ADP
fsr-3795	190	12	risky	risky	ADJ
fsr-3795	190	13	assets	asset	NOUN
fsr-3795	190	14	,	,	PUNCT
fsr-3795	190	15	the	the	DET
fsr-3795	190	16	impact	impact	NOUN
fsr-3795	190	17	of	of	ADP
fsr-3795	190	18	other	other	ADJ
fsr-3795	190	19	demographic	demographic	ADJ
fsr-3795	190	20	variables	variable	NOUN
fsr-3795	190	21	can	can	AUX
fsr-3795	190	22	be	be	AUX
fsr-3795	190	23	more	more	ADV
fsr-3795	190	24	clearly	clearly	ADV
fsr-3795	190	25	estimated	estimate	VERB
fsr-3795	190	26	.	.	PUNCT
fsr-3795	191	1	gender	gender	NOUN
fsr-3795	191	2	of	of	ADP
fsr-3795	191	3	the	the	DET
fsr-3795	191	4	household	household	NOUN
fsr-3795	191	5	head	head	NOUN
fsr-3795	191	6	is	be	AUX
fsr-3795	191	7	not	not	PART
fsr-3795	191	8	significant	significant	ADJ
fsr-3795	191	9	,	,	PUNCT
fsr-3795	191	10	once	once	ADV
fsr-3795	191	11	such	such	ADJ
fsr-3795	191	12	factors	factor	NOUN
fsr-3795	191	13	as	as	ADP
fsr-3795	191	14	life	life	NOUN
fsr-3795	191	15	cycle	cycle	NOUN
fsr-3795	191	16	and	and	CCONJ
fsr-3795	191	17	employment	employment	NOUN
fsr-3795	191	18	are	be	AUX
fsr-3795	191	19	held	hold	VERB
fsr-3795	191	20	constant	constant	ADJ
fsr-3795	191	21	.	.	PUNCT
fsr-3795	192	1	but	but	CCONJ
fsr-3795	192	2	,	,	PUNCT
fsr-3795	192	3	nonwhites	nonwhite	NOUN
fsr-3795	192	4	have	have	VERB
fsr-3795	192	5	significantly	significantly	ADV
fsr-3795	192	6	higher	high	ADJ
fsr-3795	192	7	risky	risky	ADJ
fsr-3795	192	8	assets	asset	NOUN
fsr-3795	192	9	to	to	ADP
fsr-3795	192	10	wealth	wealth	NOUN
fsr-3795	192	11	than	than	SCONJ
fsr-3795	192	12	do	do	VERB
fsr-3795	192	13	whites	white	NOUN
fsr-3795	192	14	,	,	PUNCT
fsr-3795	192	15	holding	hold	VERB
fsr-3795	192	16	other	other	ADJ
fsr-3795	192	17	factors	factor	NOUN
fsr-3795	192	18	constant	constant	ADJ
fsr-3795	192	19	.	.	PUNCT
fsr-3795	193	1	siegel	siegel	PROPN
fsr-3795	193	2	and	and	CCONJ
fsr-3795	193	3	hoban	hoban	PROPN
fsr-3795	193	4	(	(	PUNCT
fsr-3795	193	5	1991	1991	NUM
fsr-3795	193	6	)	)	PUNCT
fsr-3795	193	7	find	find	VERB
fsr-3795	193	8	that	that	SCONJ
fsr-3795	193	9	race	race	NOUN
fsr-3795	193	10	does	do	AUX
fsr-3795	193	11	not	not	PART
fsr-3795	193	12	have	have	VERB
fsr-3795	193	13	a	a	DET
fsr-3795	193	14	significant	significant	ADJ
fsr-3795	193	15	effect	effect	NOUN
fsr-3795	193	16	on	on	ADP
fsr-3795	193	17	a	a	DET
fsr-3795	193	18	similar	similar	ADJ
fsr-3795	193	19	risk	risk	NOUN
fsr-3795	193	20	measure	measure	NOUN
fsr-3795	193	21	.	.	PUNCT
fsr-3795	194	1	this	this	DET
fsr-3795	194	2	study	study	NOUN
fsr-3795	194	3	’s	’s	PART
fsr-3795	194	4	results	result	NOUN
fsr-3795	194	5	may	may	AUX
fsr-3795	194	6	differ	differ	VERB
fsr-3795	194	7	because	because	SCONJ
fsr-3795	194	8	siegel	siegel	PROPN
fsr-3795	194	9	and	and	CCONJ
fsr-3795	194	10	hoban	hoban	PROPN
fsr-3795	194	11	’s	’s	PART
fsr-3795	194	12	anal	anal	ADJ
fsr-3795	194	13	ysis	ysis	NOUN
fsr-3795	194	14	adjusts	adjust	VERB
fsr-3795	194	15	for	for	ADP
fsr-3795	194	16	several	several	ADJ
fsr-3795	194	17	socioeconomic	socioeconomic	ADJ
fsr-3795	194	18	factors	factor	NOUN
fsr-3795	194	19	not	not	PART
fsr-3795	194	20	included	include	VERB
fsr-3795	194	21	here	here	ADV
fsr-3795	194	22	,	,	PUNCT
fsr-3795	194	23	such	such	ADJ
fsr-3795	194	24	as	as	ADP
fsr-3795	194	25	home	home	NOUN
fsr-3795	194	26	ownership	ownership	NOUN
fsr-3795	194	27	,	,	PUNCT
fsr-3795	194	28	self	self	NOUN
fsr-3795	194	29	-	-	PUNCT
fsr-3795	194	30	employment	employment	NOUN
fsr-3795	194	31	,	,	PUNCT
fsr-3795	194	32	health	health	NOUN
fsr-3795	194	33	limitations	limitation	NOUN
fsr-3795	194	34	,	,	PUNCT
fsr-3795	194	35	and	and	CCONJ
fsr-3795	194	36	family	family	NOUN
fsr-3795	194	37	size	size	NOUN
fsr-3795	194	38	.	.	PUNCT
fsr-3795	195	1	the	the	DET
fsr-3795	195	2	nonwhite	nonwhite	ADJ
fsr-3795	195	3	households	household	NOUN
fsr-3795	195	4	in	in	ADP
fsr-3795	195	5	this	this	DET
fsr-3795	195	6	risk	risk	NOUN
fsr-3795	195	7	aversion	aversion	NOUN
fsr-3795	195	8	measures	measure	VERB
fsr-3795	195	9	91	91	NUM
fsr-3795	195	10	study	study	NOUN
fsr-3795	195	11	’s	’s	PART
fsr-3795	195	12	sample	sample	NOUN
fsr-3795	195	13	have	have	VERB
fsr-3795	195	14	significantly	significantly	ADV
fsr-3795	195	15	more	more	ADJ
fsr-3795	195	16	dependents	dependent	NOUN
fsr-3795	195	17	and	and	CCONJ
fsr-3795	195	18	less	less	ADJ
fsr-3795	195	19	education	education	NOUN
fsr-3795	195	20	than	than	ADP
fsr-3795	195	21	whites	white	NOUN
fsr-3795	195	22	and	and	CCONJ
fsr-3795	195	23	are	be	AUX
fsr-3795	195	24	less	less	ADV
fsr-3795	195	25	likely	likely	ADJ
fsr-3795	195	26	to	to	PART
fsr-3795	195	27	be	be	AUX
fsr-3795	195	28	homeowners	homeowner	NOUN
fsr-3795	195	29	.	.	PUNCT
fsr-3795	196	1	the	the	DET
fsr-3795	196	2	coefficients	coefficient	NOUN
fsr-3795	196	3	for	for	ADP
fsr-3795	196	4	the	the	DET
fsr-3795	196	5	life	life	NOUN
fsr-3795	196	6	cycle	cycle	NOUN
fsr-3795	196	7	of	of	ADP
fsr-3795	196	8	the	the	DET
fsr-3795	196	9	household	household	NOUN
fsr-3795	196	10	head	head	NOUN
fsr-3795	196	11	reveal	reveal	VERB
fsr-3795	196	12	that	that	SCONJ
fsr-3795	196	13	older	old	ADJ
fsr-3795	196	14	households	household	NOUN
fsr-3795	196	15	whose	whose	DET
fsr-3795	196	16	head	head	NOUN
fsr-3795	196	17	is	be	AUX
fsr-3795	196	18	retired	retire	VERB
fsr-3795	196	19	,	,	PUNCT
fsr-3795	196	20	or	or	CCONJ
fsr-3795	196	21	otherwise	otherwise	ADV
fsr-3795	196	22	not	not	PART
fsr-3795	196	23	in	in	ADP
fsr-3795	196	24	the	the	DET
fsr-3795	196	25	labor	labor	NOUN
fsr-3795	196	26	force	force	NOUN
fsr-3795	196	27	,	,	PUNCT
fsr-3795	196	28	have	have	VERB
fsr-3795	196	29	significantly	significantly	ADV
fsr-3795	196	30	lower	low	ADJ
fsr-3795	196	31	risky	risky	ADJ
fsr-3795	196	32	assets	asset	NOUN
fsr-3795	196	33	relative	relative	ADJ
fsr-3795	196	34	to	to	ADP
fsr-3795	196	35	wealth	wealth	NOUN
fsr-3795	196	36	than	than	SCONJ
fsr-3795	196	37	do	do	VERB
fsr-3795	196	38	households	household	NOUN
fsr-3795	196	39	in	in	ADP
fsr-3795	196	40	their	their	PRON
fsr-3795	196	41	family	family	NOUN
fsr-3795	196	42	formation	formation	NOUN
fsr-3795	196	43	years	year	NOUN
fsr-3795	196	44	.	.	PUNCT
fsr-3795	197	1	in	in	ADP
fsr-3795	197	2	response	response	NOUN
fsr-3795	197	3	to	to	ADP
fsr-3795	197	4	the	the	DET
fsr-3795	197	5	question	question	NOUN
fsr-3795	197	6	on	on	ADP
fsr-3795	197	7	financial	financial	ADJ
fsr-3795	197	8	risk	risk	NOUN
fsr-3795	197	9	taking	taking	NOUN
fsr-3795	197	10	,	,	PUNCT
fsr-3795	197	11	64	64	NUM
fsr-3795	197	12	percent	percent	NOUN
fsr-3795	197	13	of	of	ADP
fsr-3795	197	14	the	the	DET
fsr-3795	197	15	older	old	ADJ
fsr-3795	197	16	retired	retire	VERB
fsr-3795	197	17	households	household	NOUN
fsr-3795	197	18	reported	report	VERB
fsr-3795	197	19	that	that	SCONJ
fsr-3795	197	20	they	they	PRON
fsr-3795	197	21	would	would	AUX
fsr-3795	197	22	take	take	VERB
fsr-3795	197	23	no	no	DET
fsr-3795	197	24	risk	risk	NOUN
fsr-3795	197	25	at	at	ADV
fsr-3795	197	26	all	all	ADV
fsr-3795	197	27	.	.	PUNCT
fsr-3795	198	1	further	far	ADV
fsr-3795	198	2	,	,	PUNCT
fsr-3795	198	3	the	the	DET
fsr-3795	198	4	mean	mean	ADJ
fsr-3795	198	5	value	value	NOUN
fsr-3795	198	6	of	of	ADP
fsr-3795	198	7	risky	risky	ADJ
fsr-3795	198	8	assets	asset	NOUN
fsr-3795	198	9	to	to	ADP
fsr-3795	198	10	wealth	wealth	NOUN
fsr-3795	198	11	for	for	ADP
fsr-3795	198	12	those	those	DET
fsr-3795	198	13	households	household	NOUN
fsr-3795	198	14	is	be	AUX
fsr-3795	198	15	.324	.324	NUM
fsr-3795	198	16	,	,	PUNCT
fsr-3795	198	17	a	a	DET
fsr-3795	198	18	value	value	NOUN
fsr-3795	198	19	much	much	ADV
fsr-3795	198	20	lower	low	ADJ
fsr-3795	198	21	than	than	ADP
fsr-3795	198	22	.722	.722	NUM
fsr-3795	198	23	,	,	PUNCT
fsr-3795	198	24	the	the	DET
fsr-3795	198	25	mean	mean	ADJ
fsr-3795	198	26	ratio	ratio	NOUN
fsr-3795	198	27	for	for	ADP
fsr-3795	198	28	all	all	DET
fsr-3795	198	29	households	household	NOUN
fsr-3795	198	30	who	who	PRON
fsr-3795	198	31	reported	report	VERB
fsr-3795	198	32	that	that	SCONJ
fsr-3795	198	33	they	they	PRON
fsr-3795	198	34	would	would	AUX
fsr-3795	198	35	not	not	PART
fsr-3795	198	36	take	take	VERB
fsr-3795	198	37	financial	financial	ADJ
fsr-3795	198	38	risk	risk	NOUN
fsr-3795	198	39	(	(	PUNCT
fsr-3795	198	40	table	table	NOUN
fsr-3795	198	41	2	2	NUM
fsr-3795	198	42	)	)	PUNCT
fsr-3795	198	43	.	.	PUNCT
fsr-3795	199	1	the	the	DET
fsr-3795	199	2	fact	fact	NOUN
fsr-3795	199	3	that	that	SCONJ
fsr-3795	199	4	fewer	few	ADJ
fsr-3795	199	5	house	house	NOUN
fsr-3795	199	6	holds	hold	VERB
fsr-3795	199	7	in	in	ADP
fsr-3795	199	8	this	this	DET
fsr-3795	199	9	group	group	NOUN
fsr-3795	199	10	have	have	AUX
fsr-3795	199	11	estimated	estimate	VERB
fsr-3795	199	12	human	human	ADJ
fsr-3795	199	13	capital	capital	NOUN
fsr-3795	199	14	is	be	AUX
fsr-3795	199	15	being	be	AUX
fsr-3795	199	16	held	hold	VERB
fsr-3795	199	17	constant	constant	ADJ
fsr-3795	199	18	with	with	ADP
fsr-3795	199	19	the	the	DET
fsr-3795	199	20	inclusion	inclusion	NOUN
fsr-3795	199	21	of	of	ADP
fsr-3795	199	22	the	the	DET
fsr-3795	199	23	“	"	PUNCT
fsr-3795	199	24	non	non	ADJ
fsr-3795	199	25	-	-	ADJ
fsr-3795	199	26	employed	employed	ADJ
fsr-3795	199	27	”	"	PUNCT
fsr-3795	199	28	variable	variable	NOUN
fsr-3795	199	29	.	.	PUNCT
fsr-3795	200	1	even	even	ADV
fsr-3795	200	2	when	when	SCONJ
fsr-3795	200	3	the	the	DET
fsr-3795	200	4	smaller	small	ADJ
fsr-3795	200	5	percentage	percentage	NOUN
fsr-3795	200	6	of	of	ADP
fsr-3795	200	7	pension	pension	NOUN
fsr-3795	200	8	assets	asset	NOUN
fsr-3795	200	9	for	for	ADP
fsr-3795	200	10	the	the	DET
fsr-3795	200	11	older	old	ADJ
fsr-3795	200	12	retired	retire	VERB
fsr-3795	200	13	households	household	NOUN
fsr-3795	200	14	is	be	AUX
fsr-3795	200	15	considered	consider	VERB
fsr-3795	200	16	(	(	PUNCT
fsr-3795	200	17	9	9	NUM
fsr-3795	200	18	percent	percent	NOUN
fsr-3795	200	19	of	of	ADP
fsr-3795	200	20	total	total	ADJ
fsr-3795	200	21	financial	financial	ADJ
fsr-3795	200	22	assets	asset	NOUN
fsr-3795	200	23	vs.	vs.	ADP
fsr-3795	200	24	the	the	DET
fsr-3795	200	25	overall	overall	ADJ
fsr-3795	200	26	average	average	NOUN
fsr-3795	200	27	of	of	ADP
fsr-3795	200	28	22	22	NUM
fsr-3795	200	29	percent	percent	NOUN
fsr-3795	200	30	)	)	PUNCT
fsr-3795	200	31	,	,	PUNCT
fsr-3795	200	32	this	this	DET
fsr-3795	200	33	difference	difference	NOUN
fsr-3795	200	34	still	still	ADV
fsr-3795	200	35	indicates	indicate	VERB
fsr-3795	200	36	a	a	DET
fsr-3795	200	37	tendency	tendency	NOUN
fsr-3795	200	38	to	to	PART
fsr-3795	200	39	choose	choose	VERB
fsr-3795	200	40	less	less	ADV
fsr-3795	200	41	risky	risky	ADJ
fsr-3795	200	42	invest	invest	VERB
fsr-3795	200	43	ments	ment	NOUN
fsr-3795	200	44	relative	relative	ADJ
fsr-3795	200	45	to	to	ADP
fsr-3795	200	46	wealth	wealth	NOUN
fsr-3795	200	47	.	.	PUNCT
fsr-3795	201	1	note	note	VERB
fsr-3795	201	2	that	that	SCONJ
fsr-3795	201	3	other	other	ADJ
fsr-3795	201	4	households	household	NOUN
fsr-3795	201	5	do	do	AUX
fsr-3795	201	6	not	not	PART
fsr-3795	201	7	differ	differ	VERB
fsr-3795	201	8	significantly	significantly	ADV
fsr-3795	201	9	from	from	ADP
fsr-3795	201	10	those	those	PRON
fsr-3795	201	11	in	in	ADP
fsr-3795	201	12	their	their	PRON
fsr-3795	201	13	family	family	NOUN
fsr-3795	201	14	forma	forma	NOUN
fsr-3795	201	15	tion	tion	NOUN
fsr-3795	201	16	years	year	NOUN
fsr-3795	201	17	in	in	ADP
fsr-3795	201	18	the	the	DET
fsr-3795	201	19	holdings	holding	NOUN
fsr-3795	201	20	of	of	ADP
fsr-3795	201	21	risky	risky	ADJ
fsr-3795	201	22	assets	asset	NOUN
fsr-3795	201	23	relative	relative	ADJ
fsr-3795	201	24	to	to	ADP
fsr-3795	201	25	wealth	wealth	NOUN
fsr-3795	201	26	.	.	PUNCT
fsr-3795	202	1	this	this	DET
fsr-3795	202	2	result	result	NOUN
fsr-3795	202	3	may	may	AUX
fsr-3795	202	4	suggest	suggest	VERB
fsr-3795	202	5	that	that	SCONJ
fsr-3795	202	6	when	when	SCONJ
fsr-3795	202	7	other	other	ADJ
fsr-3795	202	8	socioeconomic	socioeconomic	ADJ
fsr-3795	202	9	factors	factor	NOUN
fsr-3795	202	10	are	be	AUX
fsr-3795	202	11	held	hold	VERB
fsr-3795	202	12	constant	constant	ADJ
fsr-3795	202	13	,	,	PUNCT
fsr-3795	202	14	family	family	NOUN
fsr-3795	202	15	responsibilities	responsibility	NOUN
fsr-3795	202	16	do	do	AUX
fsr-3795	202	17	not	not	PART
fsr-3795	202	18	impact	impact	VERB
fsr-3795	202	19	relative	relative	ADJ
fsr-3795	202	20	risk	risk	NOUN
fsr-3795	202	21	aversion	aversion	NOUN
fsr-3795	202	22	.	.	PUNCT
fsr-3795	203	1	the	the	DET
fsr-3795	203	2	desire	desire	NOUN
fsr-3795	203	3	to	to	PART
fsr-3795	203	4	leave	leave	VERB
fsr-3795	203	5	an	an	DET
fsr-3795	203	6	inheritance	inheritance	NOUN
fsr-3795	203	7	(	(	PUNCT
fsr-3795	203	8	estate	estate	NOUN
fsr-3795	203	9	)	)	PUNCT
fsr-3795	203	10	is	be	AUX
fsr-3795	203	11	significantly	significantly	ADV
fsr-3795	203	12	positively	positively	ADV
fsr-3795	203	13	related	relate	VERB
fsr-3795	203	14	to	to	ADP
fsr-3795	203	15	the	the	DET
fsr-3795	203	16	level	level	NOUN
fsr-3795	203	17	of	of	ADP
fsr-3795	203	18	risky	risky	ADJ
fsr-3795	203	19	assets	asset	NOUN
fsr-3795	203	20	relative	relative	ADJ
fsr-3795	203	21	to	to	ADP
fsr-3795	203	22	wealth	wealth	NOUN
fsr-3795	203	23	.	.	PUNCT
fsr-3795	204	1	this	this	DET
fsr-3795	204	2	result	result	NOUN
fsr-3795	204	3	,	,	PUNCT
fsr-3795	204	4	which	which	DET
fsr-3795	204	5	siegel	siegel	NOUN
fsr-3795	204	6	and	and	CCONJ
fsr-3795	204	7	hoban	hoban	PROPN
fsr-3795	204	8	(	(	PUNCT
fsr-3795	204	9	1991	1991	NUM
fsr-3795	204	10	)	)	PUNCT
fsr-3795	204	11	also	also	ADV
fsr-3795	204	12	find	find	VERB
fsr-3795	204	13	,	,	PUNCT
fsr-3795	204	14	pro	pro	X
fsr-3795	204	15	vides	vide	NOUN
fsr-3795	204	16	evidence	evidence	NOUN
fsr-3795	204	17	that	that	SCONJ
fsr-3795	204	18	individuals	individual	NOUN
fsr-3795	204	19	recognize	recognize	VERB
fsr-3795	204	20	the	the	DET
fsr-3795	204	21	positive	positive	ADJ
fsr-3795	204	22	relationship	relationship	NOUN
fsr-3795	204	23	between	between	ADP
fsr-3795	204	24	leaving	leave	VERB
fsr-3795	204	25	an	an	DET
fsr-3795	204	26	inheritance	inheritance	NOUN
fsr-3795	204	27	and	and	CCONJ
fsr-3795	204	28	investing	invest	VERB
fsr-3795	204	29	in	in	ADP
fsr-3795	204	30	relatively	relatively	ADV
fsr-3795	204	31	riskier	risky	ADJ
fsr-3795	204	32	assets	asset	NOUN
fsr-3795	204	33	.	.	PUNCT
fsr-3795	205	1	an	an	DET
fsr-3795	205	2	interesting	interesting	ADJ
fsr-3795	205	3	relationship	relationship	NOUN
fsr-3795	205	4	that	that	PRON
fsr-3795	205	5	has	have	AUX
fsr-3795	205	6	not	not	PART
fsr-3795	205	7	been	be	AUX
fsr-3795	205	8	explored	explore	VERB
fsr-3795	205	9	in	in	ADP
fsr-3795	205	10	other	other	ADJ
fsr-3795	205	11	studies	study	NOUN
fsr-3795	205	12	is	be	AUX
fsr-3795	205	13	that	that	SCONJ
fsr-3795	205	14	between	between	ADP
fsr-3795	205	15	asset	asset	NOUN
fsr-3795	205	16	allocation	allocation	NOUN
fsr-3795	205	17	and	and	CCONJ
fsr-3795	205	18	the	the	DET
fsr-3795	205	19	rating	rating	NOUN
fsr-3795	205	20	of	of	ADP
fsr-3795	205	21	the	the	DET
fsr-3795	205	22	adequacy	adequacy	NOUN
fsr-3795	205	23	of	of	ADP
fsr-3795	205	24	social	social	ADJ
fsr-3795	205	25	security	security	NOUN
fsr-3795	205	26	and	and	CCONJ
fsr-3795	205	27	pension	pension	NOUN
fsr-3795	205	28	income	income	NOUN
fsr-3795	205	29	for	for	ADP
fsr-3795	205	30	retirement	retirement	NOUN
fsr-3795	205	31	.	.	PUNCT
fsr-3795	206	1	this	this	DET
fsr-3795	206	2	study	study	NOUN
fsr-3795	206	3	finds	find	VERB
fsr-3795	206	4	that	that	SCONJ
fsr-3795	206	5	the	the	PRON
fsr-3795	206	6	less	less	ADV
fsr-3795	206	7	adequate	adequate	ADJ
fsr-3795	206	8	those	those	DET
fsr-3795	206	9	sources	source	NOUN
fsr-3795	206	10	of	of	ADP
fsr-3795	206	11	retirement	retirement	NOUN
fsr-3795	206	12	income	income	NOUN
fsr-3795	206	13	are	be	AUX
fsr-3795	206	14	expected	expect	VERB
fsr-3795	206	15	to	to	PART
fsr-3795	206	16	be	be	AUX
fsr-3795	206	17	,	,	PUNCT
fsr-3795	206	18	the	the	DET
fsr-3795	206	19	more	more	ADJ
fsr-3795	206	20	risk	risk	NOUN
fsr-3795	206	21	households	household	NOUN
fsr-3795	206	22	take	take	VERB
fsr-3795	206	23	in	in	ADP
fsr-3795	206	24	their	their	PRON
fsr-3795	206	25	portfolios	portfolio	NOUN
fsr-3795	206	26	.	.	PUNCT
fsr-3795	207	1	again	again	ADV
fsr-3795	207	2	,	,	PUNCT
fsr-3795	207	3	these	these	PRON
fsr-3795	207	4	results	result	NOUN
fsr-3795	207	5	pro	pro	ADJ
fsr-3795	207	6	vide	vide	NOUN
fsr-3795	207	7	evidence	evidence	NOUN
fsr-3795	207	8	that	that	SCONJ
fsr-3795	207	9	investors	investor	NOUN
fsr-3795	207	10	recognize	recognize	VERB
fsr-3795	207	11	the	the	DET
fsr-3795	207	12	need	need	NOUN
fsr-3795	207	13	to	to	PART
fsr-3795	207	14	take	take	VERB
fsr-3795	207	15	more	more	ADJ
fsr-3795	207	16	risk	risk	NOUN
fsr-3795	207	17	in	in	ADP
fsr-3795	207	18	order	order	NOUN
fsr-3795	207	19	to	to	PART
fsr-3795	207	20	earn	earn	VERB
fsr-3795	207	21	a	a	DET
fsr-3795	207	22	higher	high	ADJ
fsr-3795	207	23	portfolio	portfolio	NOUN
fsr-3795	207	24	return	return	NOUN
fsr-3795	207	25	.	.	PUNCT
fsr-3795	208	1	households	household	NOUN
fsr-3795	208	2	’	'	PUNCT
fsr-3795	208	3	expectations	expectation	NOUN
fsr-3795	208	4	about	about	ADP
fsr-3795	208	5	a	a	DET
fsr-3795	208	6	future	future	ADJ
fsr-3795	208	7	depression	depression	NOUN
fsr-3795	208	8	or	or	CCONJ
fsr-3795	208	9	about	about	ADP
fsr-3795	208	10	inflation	inflation	NOUN
fsr-3795	208	11	are	be	AUX
fsr-3795	208	12	not	not	PART
fsr-3795	208	13	significantly	significantly	ADV
fsr-3795	208	14	related	relate	VERB
fsr-3795	208	15	to	to	ADP
fsr-3795	208	16	the	the	DET
fsr-3795	208	17	ratio	ratio	NOUN
fsr-3795	208	18	of	of	ADP
fsr-3795	208	19	risky	risky	ADJ
fsr-3795	208	20	assets	asset	NOUN
fsr-3795	208	21	to	to	ADP
fsr-3795	208	22	wealth	wealth	NOUN
fsr-3795	208	23	.	.	PUNCT
fsr-3795	209	1	dummy	dummy	ADJ
fsr-3795	209	2	variables	variable	NOUN
fsr-3795	209	3	capturing	capture	VERB
fsr-3795	209	4	the	the	DET
fsr-3795	209	5	household	household	NOUN
fsr-3795	209	6	’s	’s	PART
fsr-3795	209	7	attitude	attitude	NOUN
fsr-3795	209	8	toward	toward	ADP
fsr-3795	209	9	risk	risk	NOUN
fsr-3795	209	10	taking	taking	NOUN
fsr-3795	209	11	indicate	indicate	VERB
fsr-3795	209	12	that	that	SCONJ
fsr-3795	209	13	holding	hold	VERB
fsr-3795	209	14	all	all	DET
fsr-3795	209	15	socioeconomic	socioeconomic	ADJ
fsr-3795	209	16	factors	factor	NOUN
fsr-3795	209	17	constant	constant	ADJ
fsr-3795	209	18	,	,	PUNCT
fsr-3795	209	19	those	those	DET
fsr-3795	209	20	respondents	respondent	NOUN
fsr-3795	209	21	who	who	PRON
fsr-3795	209	22	claimed	claim	VERB
fsr-3795	209	23	that	that	SCONJ
fsr-3795	209	24	they	they	PRON
fsr-3795	209	25	were	be	AUX
fsr-3795	209	26	willing	willing	ADJ
fsr-3795	209	27	to	to	PART
fsr-3795	209	28	take	take	VERB
fsr-3795	209	29	substantial	substantial	ADJ
fsr-3795	209	30	financial	financial	ADJ
fsr-3795	209	31	risk	risk	NOUN
fsr-3795	209	32	to	to	PART
fsr-3795	209	33	earn	earn	VERB
fsr-3795	209	34	substantial	substantial	ADJ
fsr-3795	209	35	returns	return	NOUN
fsr-3795	209	36	actually	actually	ADV
fsr-3795	209	37	have	have	VERB
fsr-3795	209	38	a	a	DET
fsr-3795	209	39	signifi	signifi	NOUN
fsr-3795	209	40	cantly	cantly	ADV
fsr-3795	209	41	higher	high	ADJ
fsr-3795	209	42	ratio	ratio	NOUN
fsr-3795	209	43	of	of	ADP
fsr-3795	209	44	risky	risky	ADJ
fsr-3795	209	45	asset	asset	NOUN
fsr-3795	209	46	to	to	ADP
fsr-3795	209	47	wealth	wealth	NOUN
fsr-3795	209	48	,	,	PUNCT
fsr-3795	209	49	compared	compare	VERB
fsr-3795	209	50	to	to	ADP
fsr-3795	209	51	those	those	PRON
fsr-3795	209	52	who	who	PRON
fsr-3795	209	53	were	be	AUX
fsr-3795	209	54	not	not	PART
fsr-3795	209	55	willing	willing	ADJ
fsr-3795	209	56	to	to	PART
fsr-3795	209	57	take	take	VERB
fsr-3795	209	58	any	any	DET
fsr-3795	209	59	risk	risk	NOUN
fsr-3795	209	60	.	.	PUNCT
fsr-3795	210	1	yi	yi	NOUN
fsr-3795	210	2	.	.	PUNCT
fsr-3795	211	1	summary	summary	NOUN
fsr-3795	211	2	and	and	CCONJ
fsr-3795	211	3	conclusions	conclusion	NOUN
fsr-3795	211	4	as	as	SCONJ
fsr-3795	211	5	more	more	ADJ
fsr-3795	211	6	households	household	NOUN
fsr-3795	211	7	are	be	AUX
fsr-3795	211	8	taking	take	VERB
fsr-3795	211	9	responsibility	responsibility	NOUN
fsr-3795	211	10	for	for	ADP
fsr-3795	211	11	the	the	DET
fsr-3795	211	12	asset	asset	NOUN
fsr-3795	211	13	allocation	allocation	NOUN
fsr-3795	211	14	of	of	ADP
fsr-3795	211	15	their	their	PRON
fsr-3795	211	16	portfolios	portfolio	NOUN
fsr-3795	211	17	,	,	PUNCT
fsr-3795	211	18	an	an	DET
fsr-3795	211	19	understanding	understanding	NOUN
fsr-3795	211	20	about	about	ADP
fsr-3795	211	21	attitudes	attitude	NOUN
fsr-3795	211	22	toward	toward	ADP
fsr-3795	211	23	financial	financial	ADJ
fsr-3795	211	24	risk	risk	NOUN
fsr-3795	211	25	and	and	CCONJ
fsr-3795	211	26	its	its	PRON
fsr-3795	211	27	relationship	relationship	NOUN
fsr-3795	211	28	to	to	PART
fsr-3795	211	29	expected	expect	VERB
fsr-3795	211	30	return	return	NOUN
fsr-3795	211	31	is	be	AUX
fsr-3795	211	32	of	of	ADP
fsr-3795	211	33	growing	grow	VERB
fsr-3795	211	34	interest	interest	NOUN
fsr-3795	211	35	.	.	PUNCT
fsr-3795	212	1	this	this	DET
fsr-3795	212	2	study	study	NOUN
fsr-3795	212	3	finds	find	VERB
fsr-3795	212	4	that	that	SCONJ
fsr-3795	212	5	households	household	NOUN
fsr-3795	212	6	in	in	ADP
fsr-3795	212	7	this	this	DET
fsr-3795	212	8	sample	sample	NOUN
fsr-3795	212	9	do	do	AUX
fsr-3795	212	10	allocate	allocate	VERB
fsr-3795	212	11	portfolio	portfolio	NOUN
fsr-3795	212	12	holdings	holding	NOUN
fsr-3795	212	13	consistent	consistent	ADJ
fsr-3795	212	14	with	with	ADP
fsr-3795	212	15	their	their	PRON
fsr-3795	212	16	professed	professed	ADJ
fsr-3795	212	17	attitudes	attitude	NOUN
fsr-3795	212	18	toward	toward	ADP
fsr-3795	212	19	taking	take	VERB
fsr-3795	212	20	risk	risk	NOUN
fsr-3795	212	21	to	to	PART
fsr-3795	212	22	increase	increase	VERB
fsr-3795	212	23	returns	return	NOUN
fsr-3795	212	24	.	.	PUNCT
fsr-3795	213	1	risky	risky	ADJ
fsr-3795	213	2	assets	asset	NOUN
fsr-3795	213	3	are	be	AUX
fsr-3795	213	4	defined	define	VERB
fsr-3795	213	5	to	to	PART
fsr-3795	213	6	include	include	VERB
fsr-3795	213	7	the	the	DET
fsr-3795	213	8	value	value	NOUN
fsr-3795	213	9	of	of	ADP
fsr-3795	213	10	financial	financial	ADJ
fsr-3795	213	11	assets	asset	NOUN
fsr-3795	213	12	that	that	PRON
fsr-3795	213	13	provide	provide	VERB
fsr-3795	213	14	an	an	DET
fsr-3795	213	15	uncertain	uncertain	ADJ
fsr-3795	213	16	cash	cash	NOUN
fsr-3795	213	17	flow	flow	NOUN
fsr-3795	213	18	,	,	PUNCT
fsr-3795	213	19	the	the	DET
fsr-3795	213	20	market	market	NOUN
fsr-3795	213	21	value	value	NOUN
fsr-3795	213	22	of	of	ADP
fsr-3795	213	23	real	real	ADJ
fsr-3795	213	24	estate	estate	NOUN
fsr-3795	213	25	held	hold	VERB
fsr-3795	213	26	for	for	ADP
fsr-3795	213	27	investment	investment	NOUN
fsr-3795	213	28	purposes	purpose	NOUN
fsr-3795	213	29	,	,	PUNCT
fsr-3795	213	30	and	and	CCONJ
fsr-3795	213	31	an	an	DET
fsr-3795	213	32	estimate	estimate	NOUN
fsr-3795	213	33	of	of	ADP
fsr-3795	213	34	human	human	ADJ
fsr-3795	213	35	capital	capital	NOUN
fsr-3795	213	36	.	.	PUNCT
fsr-3795	214	1	these	these	DET
fsr-3795	214	2	findings	finding	NOUN
fsr-3795	214	3	suggest	suggest	VERB
fsr-3795	214	4	that	that	SCONJ
fsr-3795	214	5	a	a	DET
fsr-3795	214	6	household	household	NOUN
fsr-3795	214	7	’s	’s	PART
fsr-3795	214	8	relative	relative	ADJ
fsr-3795	214	9	risk	risk	NOUN
fsr-3795	214	10	aversion	aversion	NOUN
fsr-3795	214	11	(	(	PUNCT
fsr-3795	214	12	rra	rra	NOUN
fsr-3795	214	13	)	)	PUNCT
fsr-3795	214	14	can	can	AUX
fsr-3795	214	15	be	be	AUX
fsr-3795	214	16	assessed	assess	VERB
fsr-3795	214	17	by	by	ADP
fsr-3795	214	18	responses	response	NOUN
fsr-3795	214	19	to	to	ADP
fsr-3795	214	20	questions	question	NOUN
fsr-3795	214	21	about	about	ADP
fsr-3795	214	22	risk	risk	NOUN
fsr-3795	214	23	aversion	aversion	NOUN
fsr-3795	214	24	,	,	PUNCT
fsr-3795	214	25	as	as	ADV
fsr-3795	214	26	well	well	ADV
fsr-3795	214	27	as	as	ADP
fsr-3795	214	28	by	by	ADP
fsr-3795	214	29	measuring	measure	VERB
fsr-3795	214	30	asset	asset	NOUN
fsr-3795	214	31	98	98	NUM
fsr-3795	214	32	financial	financial	ADJ
fsr-3795	214	33	services	service	NOUN
fsr-3795	214	34	review	review	VERB
fsr-3795	214	35	5(z	5(z	NUM
fsr-3795	214	36	)	)	PUNCT
fsr-3795	214	37	1996	1996	NUM
fsr-3795	214	38	allocation	allocation	NOUN
fsr-3795	214	39	.	.	PUNCT
fsr-3795	215	1	the	the	DET
fsr-3795	215	2	implication	implication	NOUN
fsr-3795	215	3	is	be	AUX
fsr-3795	215	4	that	that	SCONJ
fsr-3795	215	5	the	the	DET
fsr-3795	215	6	households	household	NOUN
fsr-3795	215	7	sampled	sample	VERB
fsr-3795	215	8	do	do	AUX
fsr-3795	215	9	understand	understand	VERB
fsr-3795	215	10	the	the	DET
fsr-3795	215	11	basic	basic	ADJ
fsr-3795	215	12	risk/	risk/	NUM
fsr-3795	215	13	return	return	NOUN
fsr-3795	215	14	relationship	relationship	NOUN
fsr-3795	215	15	;	;	PUNCT
fsr-3795	215	16	an	an	DET
fsr-3795	215	17	investor	investor	NOUN
fsr-3795	215	18	must	must	AUX
fsr-3795	215	19	be	be	AUX
fsr-3795	215	20	willing	willing	ADJ
fsr-3795	215	21	to	to	PART
fsr-3795	215	22	accept	accept	VERB
fsr-3795	215	23	more	more	ADJ
fsr-3795	215	24	uncertainty	uncertainty	NOUN
fsr-3795	215	25	(	(	PUNCT
fsr-3795	215	26	higher	high	ADJ
fsr-3795	215	27	risk	risk	NOUN
fsr-3795	215	28	)	)	PUNCT
fsr-3795	215	29	to	to	PART
fsr-3795	215	30	earn	earn	VERB
fsr-3795	215	31	higher	high	ADJ
fsr-3795	215	32	expected	expect	VERB
fsr-3795	215	33	returns	return	NOUN
fsr-3795	215	34	.	.	PUNCT
fsr-3795	216	1	some	some	PRON
fsr-3795	216	2	have	have	AUX
fsr-3795	216	3	suggested	suggest	VERB
fsr-3795	216	4	that	that	SCONJ
fsr-3795	216	5	households	household	NOUN
fsr-3795	216	6	are	be	AUX
fsr-3795	216	7	taking	take	VERB
fsr-3795	216	8	more	more	ADJ
fsr-3795	216	9	risk	risk	NOUN
fsr-3795	216	10	by	by	ADP
fsr-3795	216	11	choosing	choose	VERB
fsr-3795	216	12	“	"	PUNCT
fsr-3795	216	13	safe	safe	ADJ
fsr-3795	216	14	”	"	PUNCT
fsr-3795	216	15	investments	investment	NOUN
fsr-3795	216	16	such	such	ADJ
fsr-3795	216	17	as	as	ADP
fsr-3795	216	18	cds	cd	NOUN
fsr-3795	216	19	and	and	CCONJ
fsr-3795	216	20	savings	saving	NOUN
fsr-3795	216	21	accounts	account	NOUN
fsr-3795	216	22	because	because	SCONJ
fsr-3795	216	23	these	these	DET
fsr-3795	216	24	investments	investment	NOUN
fsr-3795	216	25	may	may	AUX
fsr-3795	216	26	not	not	PART
fsr-3795	216	27	provide	provide	VERB
fsr-3795	216	28	returns	return	NOUN
fsr-3795	216	29	suffl	suffl	NOUN
fsr-3795	216	30	~	~	SYM
fsr-3795	216	31	ient	ient	NOUN
fsr-3795	216	32	to	to	ADP
fsr-3795	216	33	rn	rn	PROPN
fsr-3795	216	34	~	~	PROPN
fsr-3795	216	35	nt~	nt~	PROPN
fsr-3795	216	36	purch	purch	NOUN
fsr-3795	216	37	~	~	PUNCT
fsr-3795	216	38	ing	ing	NOUN
fsr-3795	216	39	power	power	NOUN
fsr-3795	216	40	,	,	PUNCT
fsr-3795	216	41	al	al	PROPN
fsr-3795	216	42	~	~	AUX
fsr-3795	216	43	ough	ough	NOUN
fsr-3795	216	44	the	the	DET
fsr-3795	216	45	cash	cash	NOUN
fsr-3795	216	46	flows	flow	VERB
fsr-3795	216	47	from	from	ADP
fsr-3795	216	48	the	the	DET
fsr-3795	216	49	investments	investment	NOUN
fsr-3795	216	50	are	be	AUX
fsr-3795	216	51	relatively	relatively	ADV
fsr-3795	216	52	certain	certain	ADJ
fsr-3795	216	53	.	.	PUNCT
fsr-3795	217	1	nevertheless	nevertheless	ADV
fsr-3795	217	2	,	,	PUNCT
fsr-3795	217	3	this	this	DET
fsr-3795	217	4	study	study	NOUN
fsr-3795	217	5	’s	’s	PART
fsr-3795	217	6	results	result	NOUN
fsr-3795	217	7	indicate	indicate	VERB
fsr-3795	217	8	that	that	SCONJ
fsr-3795	217	9	households	household	NOUN
fsr-3795	217	10	still	still	ADV
fsr-3795	217	11	recognize	recognize	VERB
fsr-3795	217	12	the	the	DET
fsr-3795	217	13	traditional	traditional	ADJ
fsr-3795	217	14	meaning	meaning	NOUN
fsr-3795	217	15	of	of	ADP
fsr-3795	217	16	financial	financial	ADJ
fsr-3795	217	17	risk	risk	NOUN
fsr-3795	217	18	as	as	ADP
fsr-3795	217	19	variability	variability	NOUN
fsr-3795	217	20	(	(	PUNCT
fsr-3795	217	21	or	or	CCONJ
fsr-3795	217	22	uncer	uncer	ADJ
fsr-3795	217	23	tainty	tainty	NOUN
fsr-3795	217	24	)	)	PUNCT
fsr-3795	217	25	of	of	ADP
fsr-3795	217	26	returns	return	NOUN
fsr-3795	217	27	.	.	PUNCT
fsr-3795	218	1	regression	regression	VERB
fsr-3795	218	2	analysis	analysis	NOUN
fsr-3795	218	3	of	of	ADP
fsr-3795	218	4	the	the	DET
fsr-3795	218	5	ratio	ratio	NOUN
fsr-3795	218	6	of	of	ADP
fsr-3795	218	7	risky	risky	ADJ
fsr-3795	218	8	assets	asset	NOUN
fsr-3795	218	9	to	to	ADP
fsr-3795	218	10	wealth	wealth	NOUN
fsr-3795	218	11	indicates	indicate	VERB
fsr-3795	218	12	that	that	SCONJ
fsr-3795	218	13	this	this	DET
fsr-3795	218	14	sample	sample	NOUN
fsr-3795	218	15	of	of	ADP
fsr-3795	218	16	households	household	NOUN
fsr-3795	218	17	exhibits	exhibit	VERB
fsr-3795	218	18	decreasing	decrease	VERB
fsr-3795	218	19	rra	rra	NOUN
fsr-3795	218	20	.	.	PUNCT
fsr-3795	219	1	that	that	PRON
fsr-3795	219	2	is	be	AUX
fsr-3795	219	3	,	,	PUNCT
fsr-3795	219	4	as	as	SCONJ
fsr-3795	219	5	wealth	wealth	NOUN
fsr-3795	219	6	increases	increase	NOUN
fsr-3795	219	7	,	,	PUNCT
fsr-3795	219	8	households	household	NOUN
fsr-3795	219	9	allocate	allocate	VERB
fsr-3795	219	10	a	a	DET
fsr-3795	219	11	greater	great	ADJ
fsr-3795	219	12	portion	portion	NOUN
fsr-3795	219	13	of	of	ADP
fsr-3795	219	14	their	their	PRON
fsr-3795	219	15	portfolios	portfolio	NOUN
fsr-3795	219	16	to	to	ADP
fsr-3795	219	17	risky	risky	ADJ
fsr-3795	219	18	assets	asset	NOUN
fsr-3795	219	19	,	,	PUNCT
fsr-3795	219	20	holding	hold	VERB
fsr-3795	219	21	constant	constant	ADJ
fsr-3795	219	22	attitudes	attitude	NOUN
fsr-3795	219	23	about	about	ADP
fsr-3795	219	24	risk	risk	NOUN
fsr-3795	219	25	and	and	CCONJ
fsr-3795	219	26	the	the	DET
fsr-3795	219	27	economy	economy	NOUN
fsr-3795	219	28	,	,	PUNCT
fsr-3795	219	29	as	as	ADV
fsr-3795	219	30	well	well	ADV
fsr-3795	219	31	as	as	ADP
fsr-3795	219	32	socioeconomic	socioeconomic	ADJ
fsr-3795	219	33	factors	factor	NOUN
fsr-3795	219	34	.	.	PUNCT
fsr-3795	220	1	those	those	DET
fsr-3795	220	2	households	household	NOUN
fsr-3795	220	3	where	where	SCONJ
fsr-3795	220	4	neither	neither	CCONJ
fsr-3795	220	5	the	the	DET
fsr-3795	220	6	head	head	NOUN
fsr-3795	220	7	or	or	CCONJ
fsr-3795	220	8	partner	partner	NOUN
fsr-3795	220	9	is	be	AUX
fsr-3795	220	10	a	a	DET
fsr-3795	220	11	full	full	ADJ
fsr-3795	220	12	-	-	PUNCT
fsr-3795	220	13	time	time	NOUN
fsr-3795	220	14	wage	wage	NOUN
fsr-3795	220	15	earner	earner	NOUN
fsr-3795	220	16	have	have	VERB
fsr-3795	220	17	significantly	significantly	ADV
fsr-3795	220	18	fewer	few	ADJ
fsr-3795	220	19	risky	risky	ADJ
fsr-3795	220	20	assets	asset	NOUN
fsr-3795	220	21	relative	relative	ADJ
fsr-3795	220	22	to	to	ADP
fsr-3795	220	23	wealth	wealth	NOUN
fsr-3795	220	24	,	,	PUNCT
fsr-3795	220	25	a	a	DET
fsr-3795	220	26	factor	factor	NOUN
fsr-3795	220	27	that	that	PRON
fsr-3795	220	28	may	may	AUX
fsr-3795	220	29	simply	simply	ADV
fsr-3795	220	30	capture	capture	VERB
fsr-3795	220	31	the	the	DET
fsr-3795	220	32	effect	effect	NOUN
fsr-3795	220	33	of	of	ADP
fsr-3795	220	34	no	no	DET
fsr-3795	220	35	estimated	estimate	VERB
fsr-3795	220	36	human	human	ADJ
fsr-3795	220	37	capital	capital	NOUN
fsr-3795	220	38	.	.	PUNCT
fsr-3795	221	1	nonwhites	nonwhite	NOUN
fsr-3795	221	2	have	have	VERB
fsr-3795	221	3	higher	high	ADJ
fsr-3795	221	4	risky	risky	ADJ
fsr-3795	221	5	assets	asset	NOUN
fsr-3795	221	6	to	to	ADP
fsr-3795	221	7	wealth	wealth	NOUN
fsr-3795	221	8	than	than	SCONJ
fsr-3795	221	9	do	do	VERB
fsr-3795	221	10	whites	white	NOUN
fsr-3795	221	11	,	,	PUNCT
fsr-3795	221	12	a	a	DET
fsr-3795	221	13	topic	topic	NOUN
fsr-3795	221	14	for	for	ADP
fsr-3795	221	15	future	future	ADJ
fsr-3795	221	16	research	research	NOUN
fsr-3795	221	17	.	.	PUNCT
fsr-3795	222	1	older	old	ADJ
fsr-3795	222	2	retired	retire	VERB
fsr-3795	222	3	households	household	NOUN
fsr-3795	222	4	allocate	allocate	VERB
fsr-3795	222	5	less	less	ADJ
fsr-3795	222	6	of	of	ADP
fsr-3795	222	7	their	their	PRON
fsr-3795	222	8	portfolios	portfolio	NOUN
fsr-3795	222	9	to	to	ADP
fsr-3795	222	10	risky	risky	ADJ
fsr-3795	222	11	assets	asset	NOUN
fsr-3795	222	12	than	than	ADP
fsr-3795	222	13	households	household	NOUN
fsr-3795	222	14	in	in	ADP
fsr-3795	222	15	their	their	PRON
fsr-3795	222	16	family	family	NOUN
fsr-3795	222	17	formation	formation	NOUN
fsr-3795	222	18	years	year	NOUN
fsr-3795	222	19	.	.	PUNCT
fsr-3795	223	1	of	of	ADP
fsr-3795	223	2	particular	particular	ADJ
fsr-3795	223	3	interest	interest	NOUN
fsr-3795	223	4	is	be	AUX
fsr-3795	223	5	household	household	NOUN
fsr-3795	223	6	attitude	attitude	NOUN
fsr-3795	223	7	toward	toward	ADP
fsr-3795	223	8	social	social	ADJ
fsr-3795	223	9	security	security	NOUN
fsr-3795	223	10	and	and	CCONJ
fsr-3795	223	11	pension	pension	NOUN
fsr-3795	223	12	income	income	NOUN
fsr-3795	223	13	.	.	PUNCT
fsr-3795	224	1	those	those	DET
fsr-3795	224	2	households	household	NOUN
fsr-3795	224	3	who	who	PRON
fsr-3795	224	4	have	have	VERB
fsr-3795	224	5	less	less	ADJ
fsr-3795	224	6	confidence	confidence	NOUN
fsr-3795	224	7	in	in	ADP
fsr-3795	224	8	these	these	DET
fsr-3795	224	9	sources	source	NOUN
fsr-3795	224	10	of	of	ADP
fsr-3795	224	11	income	income	NOUN
fsr-3795	224	12	for	for	ADP
fsr-3795	224	13	maintaining	maintain	VERB
fsr-3795	224	14	living	living	NOUN
fsr-3795	224	15	standards	standard	NOUN
fsr-3795	224	16	have	have	VERB
fsr-3795	224	17	larger	large	ADJ
fsr-3795	224	18	portions	portion	NOUN
fsr-3795	224	19	of	of	ADP
fsr-3795	224	20	their	their	PRON
fsr-3795	224	21	portfolios	portfolio	NOUN
fsr-3795	224	22	invested	invest	VERB
fsr-3795	224	23	in	in	ADP
fsr-3795	224	24	risky	risky	ADJ
fsr-3795	224	25	assets	asset	NOUN
fsr-3795	224	26	,	,	PUNCT
fsr-3795	224	27	implying	imply	VERB
fsr-3795	224	28	the	the	DET
fsr-3795	224	29	reco	reco	PROPN
fsr-3795	224	30	~	~	PROPN
fsr-3795	224	31	ition	ition	NOUN
fsr-3795	224	32	that	that	PRON
fsr-3795	224	33	higher	high	ADJ
fsr-3795	224	34	expected	expect	VERB
fsr-3795	224	35	returns	return	NOUN
fsr-3795	224	36	are	be	AUX
fsr-3795	224	37	associated	associate	VERB
fsr-3795	224	38	with	with	ADP
fsr-3795	224	39	higher	high	ADJ
fsr-3795	224	40	risk	risk	NOUN
fsr-3795	224	41	.	.	PUNCT
fsr-3795	225	1	finally	finally	ADV
fsr-3795	225	2	,	,	PUNCT
fsr-3795	225	3	the	the	DET
fsr-3795	225	4	results	result	NOUN
fsr-3795	225	5	reveal	reveal	VERB
fsr-3795	225	6	that	that	SCONJ
fsr-3795	225	7	individu	individu	ADV
fsr-3795	225	8	~	~	X
fsr-3795	225	9	s	s	X
fsr-3795	225	10	in	in	ADP
fsr-3795	225	11	this	this	DET
fsr-3795	225	12	sample	sample	NOUN
fsr-3795	225	13	understand	understand	VERB
fsr-3795	225	14	the	the	DET
fsr-3795	225	15	relative	relative	ADJ
fsr-3795	225	16	level	level	NOUN
fsr-3795	225	17	of	of	ADP
fsr-3795	225	18	riskiness	riskiness	NOUN
fsr-3795	225	19	in	in	ADP
fsr-3795	225	20	their	their	PRON
fsr-3795	225	21	portfolios	portfolio	NOUN
fsr-3795	225	22	;	;	PUNCT
fsr-3795	225	23	those	those	PRON
fsr-3795	225	24	who	who	PRON
fsr-3795	225	25	say	say	VERB
fsr-3795	225	26	they	they	PRON
fsr-3795	225	27	are	be	AUX
fsr-3795	225	28	willing	willing	ADJ
fsr-3795	225	29	to	to	PART
fsr-3795	225	30	take	take	VERB
fsr-3795	225	31	substantial	substantial	ADJ
fsr-3795	225	32	risk	risk	NOUN
fsr-3795	225	33	to	to	PART
fsr-3795	225	34	earn	earn	VERB
fsr-3795	225	35	higher	high	ADJ
fsr-3795	225	36	return	return	NOUN
fsr-3795	225	37	do	do	AUX
fsr-3795	225	38	have	have	VERB
fsr-3795	225	39	riskier	risky	ADJ
fsr-3795	225	40	portfolios	portfolio	NOUN
fsr-3795	225	41	,	,	PUNCT
fsr-3795	225	42	as	as	SCONJ
fsr-3795	225	43	compared	compare	VERB
fsr-3795	225	44	to	to	ADP
fsr-3795	225	45	those	those	PRON
fsr-3795	225	46	who	who	PRON
fsr-3795	225	47	are	be	AUX
fsr-3795	225	48	not	not	PART
fsr-3795	225	49	willing	willing	ADJ
fsr-3795	225	50	to	to	PART
fsr-3795	225	51	take	take	VERB
fsr-3795	225	52	any	any	DET
fsr-3795	225	53	financial	financial	ADJ
fsr-3795	225	54	risk	risk	NOUN
fsr-3795	225	55	at	at	ADV
fsr-3795	225	56	all	all	ADV
fsr-3795	225	57	.	.	PUNCT
fsr-3795	226	1	these	these	DET
fsr-3795	226	2	results	result	NOUN
fsr-3795	226	3	provide	provide	VERB
fsr-3795	226	4	further	further	ADJ
fsr-3795	226	5	understanding	understanding	NOUN
fsr-3795	226	6	of	of	ADP
fsr-3795	226	7	the	the	DET
fsr-3795	226	8	factors	factor	NOUN
fsr-3795	226	9	that	that	PRON
fsr-3795	226	10	influence	influence	VERB
fsr-3795	226	11	individuals	individual	NOUN
fsr-3795	226	12	’	’	PART
fsr-3795	226	13	asset	asset	NOUN
fsr-3795	226	14	allocation	allocation	NOUN
fsr-3795	226	15	.	.	PUNCT
fsr-3795	227	1	as	as	SCONJ
fsr-3795	227	2	cited	cite	VERB
fsr-3795	227	3	throughout	throughout	ADP
fsr-3795	227	4	the	the	DET
fsr-3795	227	5	paper	paper	NOUN
fsr-3795	227	6	,	,	PUNCT
fsr-3795	227	7	previous	previous	ADJ
fsr-3795	227	8	evidence	evidence	NOUN
fsr-3795	227	9	on	on	ADP
fsr-3795	227	10	individuals	individual	NOUN
fsr-3795	227	11	’	'	PUNCT
fsr-3795	227	12	rr4	rr4	NOUN
fsr-3795	227	13	is	be	AUX
fsr-3795	227	14	mixed	mix	VERB
fsr-3795	227	15	,	,	PUNCT
fsr-3795	227	16	which	which	PRON
fsr-3795	227	17	is	be	AUX
fsr-3795	227	18	likely	likely	ADJ
fsr-3795	227	19	due	due	ADP
fsr-3795	227	20	to	to	ADP
fsr-3795	227	21	the	the	DET
fsr-3795	227	22	different	different	ADJ
fsr-3795	227	23	samples	sample	NOUN
fsr-3795	227	24	and	and	CCONJ
fsr-3795	227	25	the	the	DET
fsr-3795	227	26	measures	measure	NOUN
fsr-3795	227	27	of	of	ADP
fsr-3795	227	28	wealth	wealth	NOUN
fsr-3795	227	29	used	use	VERB
fsr-3795	227	30	in	in	ADP
fsr-3795	227	31	each	each	DET
fsr-3795	227	32	study	study	NOUN
fsr-3795	227	33	.	.	PUNCT
fsr-3795	228	1	the	the	DET
fsr-3795	228	2	determination	determination	NOUN
fsr-3795	228	3	of	of	ADP
fsr-3795	228	4	individuals	individual	NOUN
fsr-3795	228	5	’	’	PART
fsr-3795	228	6	risk	risk	NOUN
fsr-3795	228	7	-	-	PUNCT
fsr-3795	228	8	taking	take	VERB
fsr-3795	228	9	attitudes	attitude	NOUN
fsr-3795	228	10	and	and	CCONJ
fsr-3795	228	11	behavior	behavior	NOUN
fsr-3795	228	12	may	may	AUX
fsr-3795	228	13	be	be	AUX
fsr-3795	228	14	so	so	ADV
fsr-3795	228	15	complex	complex	ADJ
fsr-3795	228	16	that	that	SCONJ
fsr-3795	228	17	it	it	PRON
fsr-3795	228	18	is	be	AUX
fsr-3795	228	19	not	not	PART
fsr-3795	228	20	possible	possible	ADJ
fsr-3795	228	21	to	to	PART
fsr-3795	228	22	characterize	characterize	VERB
fsr-3795	228	23	households	household	NOUN
fsr-3795	228	24	as	as	ADP
fsr-3795	228	25	exhibiting	exhibit	VERB
fsr-3795	228	26	a	a	DET
fsr-3795	228	27	particular	particular	ADJ
fsr-3795	228	28	rr4	rr4	NOUN
fsr-3795	228	29	.	.	PUNCT
fsr-3795	229	1	acknowledgment	acknowledgment	NOUN
fsr-3795	229	2	:	:	PUNCT
fsr-3795	229	3	the	the	DET
fsr-3795	229	4	authors	author	NOUN
fsr-3795	229	5	thank	thank	VERB
fsr-3795	229	6	two	two	NUM
fsr-3795	229	7	anonymous	anonymous	ADJ
fsr-3795	229	8	reviewers	reviewer	NOUN
fsr-3795	229	9	for	for	ADP
fsr-3795	229	10	their	their	PRON
fsr-3795	229	11	helpful	helpful	ADJ
fsr-3795	229	12	com	com	NOUN
fsr-3795	229	13	ments	ment	NOUN
fsr-3795	229	14	and	and	CCONJ
fsr-3795	229	15	express	express	VERB
fsr-3795	229	16	appreciation	appreciation	NOUN
fsr-3795	229	17	to	to	ADP
fsr-3795	229	18	professor	professor	PROPN
fsr-3795	229	19	george	george	PROPN
fsr-3795	229	20	mccabe	mccabe	PROPN
fsr-3795	229	21	,	,	PUNCT
fsr-3795	229	22	marcey	marcey	NOUN
fsr-3795	229	23	abate	abate	NOUN
fsr-3795	229	24	,	,	PUNCT
fsr-3795	229	25	and	and	CCONJ
fsr-3795	229	26	jian	jian	PROPN
fsr-3795	229	27	zhao	zhao	PROPN
fsr-3795	229	28	of	of	ADP
fsr-3795	229	29	the	the	DET
fsr-3795	229	30	statistics	statistics	PROPN
fsr-3795	229	31	department	department	PROPN
fsr-3795	229	32	at	at	ADP
fsr-3795	229	33	purdue	purdue	PROPN
fsr-3795	229	34	university	university	PROPN
fsr-3795	229	35	for	for	ADP
fsr-3795	229	36	developing	develop	VERB
fsr-3795	229	37	the	the	DET
fsr-3795	229	38	methodology	methodology	NOUN
fsr-3795	229	39	used	use	VERB
fsr-3795	229	40	in	in	ADP
fsr-3795	229	41	the	the	DET
fsr-3795	229	42	analysis	analysis	NOUN
fsr-3795	229	43	.	.	PUNCT
fsr-3795	230	1	reterences	reterence	NOUN
fsr-3795	230	2	arrow	arrow	NOUN
fsr-3795	230	3	,	,	PUNCT
fsr-3795	230	4	k.j	k.j	PROPN
fsr-3795	230	5	.	.	PROPN
fsr-3795	230	6	(	(	PUNCT
fsr-3795	230	7	1971	1971	NUM
fsr-3795	230	8	)	)	PUNCT
fsr-3795	230	9	.	.	PUNCT
fsr-3795	231	1	essays	essay	NOUN
fsr-3795	231	2	in	in	ADP
fsr-3795	231	3	the	the	DET
fsr-3795	231	4	theory	theory	NOUN
fsr-3795	231	5	of	of	ADP
fsr-3795	231	6	risk	risk	NOUN
fsr-3795	231	7	-	-	PUNCT
fsr-3795	231	8	bearing	bearing	NOUN
fsr-3795	231	9	.	.	PUNCT
fsr-3795	232	1	chicago	chicago	PROPN
fsr-3795	232	2	:	:	PUNCT
fsr-3795	233	1	markham	markham	PROPN
fsr-3795	233	2	publishing	publishing	PROPN
fsr-3795	233	3	company	company	NOUN
fsr-3795	233	4	.	.	PUNCT
fsr-3795	234	1	arrow	arrow	PROPN
fsr-3795	234	2	,	,	PUNCT
fsr-3795	234	3	k.j	k.j	PROPN
fsr-3795	234	4	.	.	PROPN
fsr-3795	235	1	(	(	PUNCT
fsr-3795	235	2	1965	1965	NUM
fsr-3795	235	3	)	)	PUNCT
fsr-3795	235	4	.	.	PUNCT
fsr-3795	236	1	aspects	aspect	NOUN
fsr-3795	236	2	of	of	ADP
fsr-3795	236	3	the	the	DET
fsr-3795	236	4	theory	theory	NOUN
fsr-3795	236	5	of	of	ADP
fsr-3795	236	6	risk	risk	NOUN
fsr-3795	236	7	bearing	bearing	NOUN
fsr-3795	236	8	.	.	PUNCT
fsr-3795	237	1	yfjo	yfjo	PROPN
fsr-3795	237	2	johnsson	johnsson	PROPN
fsr-3795	237	3	lectures	lectures	PROPN
fsr-3795	237	4	,	,	PUNCT
fsr-3795	237	5	helsinki	helsinki	PROPN
fsr-3795	237	6	.	.	PUNCT
fsr-3795	237	7	bellante	bellante	PROPN
fsr-3795	237	8	,	,	PUNCT
fsr-3795	237	9	d.	d.	PROPN
fsr-3795	237	10	,	,	PUNCT
fsr-3795	237	11	&	&	CCONJ
fsr-3795	237	12	saba	saba	PROPN
fsr-3795	237	13	,	,	PUNCT
fsr-3795	237	14	r.p	r.p	PROPN
fsr-3795	237	15	.	.	PROPN
fsr-3795	237	16	(	(	PUNCT
fsr-3795	237	17	1986	1986	NUM
fsr-3795	237	18	)	)	PUNCT
fsr-3795	237	19	.	.	PUNCT
fsr-3795	238	1	human	human	ADJ
fsr-3795	238	2	capital	capital	NOUN
fsr-3795	238	3	and	and	CCONJ
fsr-3795	238	4	life	life	NOUN
fsr-3795	238	5	-	-	PUNCT
fsr-3795	238	6	cycle	cycle	NOUN
fsr-3795	238	7	effects	effect	NOUN
fsr-3795	238	8	on	on	ADP
fsr-3795	238	9	risk	risk	NOUN
fsr-3795	238	10	aversion	aversion	NOUN
fsr-3795	238	11	.	.	PUNCT
fsr-3795	239	1	joumae	joumae	PROPN
fsr-3795	239	2	of	of	ADP
fsr-3795	239	3	financial	financial	ADJ
fsr-3795	239	4	research	research	NOUN
fsr-3795	239	5	,	,	PUNCT
fsr-3795	239	6	9,41	9,41	NUM
fsr-3795	239	7	-	-	SYM
fsr-3795	239	8	5	5	NUM
fsr-3795	239	9	1	1	NUM
fsr-3795	239	10	.	.	PUNCT
fsr-3795	240	1	cohn	cohn	PROPN
fsr-3795	240	2	,	,	PUNCT
fsr-3795	240	3	r.a	r.a	PROPN
fsr-3795	240	4	.	.	PROPN
fsr-3795	240	5	,	,	PUNCT
fsr-3795	240	6	lewellen	lewellen	PROPN
fsr-3795	240	7	,	,	PUNCT
fsr-3795	240	8	w.g	w.g	PROPN
fsr-3795	240	9	.	.	PROPN
fsr-3795	240	10	,	,	PUNCT
fsr-3795	240	11	lease	lease	VERB
fsr-3795	240	12	,	,	PUNCT
fsr-3795	240	13	rx	rx	VERB
fsr-3795	240	14	!	!	PUNCT
fsr-3795	240	15	.	.	PUNCT
fsr-3795	240	16	,	,	PUNCT
fsr-3795	240	17	&	&	CCONJ
fsr-3795	240	18	schlarbaum	schlarbaum	PROPN
fsr-3795	240	19	,	,	PUNCT
fsr-3795	240	20	g.g	g.g	PROPN
fsr-3795	240	21	.	.	PROPN
fsr-3795	241	1	(	(	PUNCT
fsr-3795	241	2	1975	1975	NUM
fsr-3795	241	3	)	)	PUNCT
fsr-3795	241	4	.	.	PUNCT
fsr-3795	242	1	individual	individual	ADJ
fsr-3795	242	2	investor	investor	NOUN
fsr-3795	242	3	risk	risk	NOUN
fsr-3795	242	4	aversion	aversion	NOUN
fsr-3795	242	5	and	and	CCONJ
fsr-3795	242	6	investment	investment	NOUN
fsr-3795	242	7	portfolio	portfolio	NOUN
fsr-3795	242	8	composition	composition	NOUN
fsr-3795	242	9	.	.	PUNCT
fsr-3795	243	1	journal	journal	PROPN
fsr-3795	243	2	of	of	ADP
fsr-3795	243	3	finance	finance	NOUN
fsr-3795	243	4	,	,	PUNCT
fsr-3795	243	5	30,605~620	30,605~620	NUM
fsr-3795	243	6	.	.	PUNCT
fsr-3795	244	1	fama	fama	PROPN
fsr-3795	244	2	,	,	PUNCT
fsr-3795	244	3	e.	e.	PROPN
fsr-3795	244	4	,	,	PUNCT
fsr-3795	244	5	&	&	CCONJ
fsr-3795	244	6	schwert	schwert	PROPN
fsr-3795	244	7	,	,	PUNCT
fsr-3795	244	8	g.	g.	PROPN
fsr-3795	244	9	(	(	PUNCT
fsr-3795	244	10	1977	1977	NUM
fsr-3795	244	11	)	)	PUNCT
fsr-3795	244	12	.	.	PUNCT
fsr-3795	245	1	human	human	ADJ
fsr-3795	245	2	capital	capital	NOUN
fsr-3795	245	3	and	and	CCONJ
fsr-3795	245	4	market	market	NOUN
fsr-3795	245	5	equilibrium	equilibrium	NOUN
fsr-3795	245	6	.	.	PUNCT
fsr-3795	246	1	journal	journal	NOUN
fsr-3795	246	2	of	of	ADP
fsr-3795	246	3	financial	financial	ADJ
fsr-3795	246	4	ecq	ecq	PROPN
fsr-3795	246	5	nomics	nomic	NOUN
fsr-3795	246	6	,	,	PUNCT
fsr-3795	246	7	4,95	4,95	PROPN
fsr-3795	246	8	-	-	SYM
fsr-3795	246	9	125	125	NUM
fsr-3795	246	10	.	.	PUNCT
fsr-3795	247	1	risk	risk	NOUN
fsr-3795	247	2	aversion	aversion	NOUN
fsr-3795	247	3	measures	measure	NOUN
fsr-3795	247	4	99	99	NUM
fsr-3795	247	5	friend	friend	NOUN
fsr-3795	247	6	,	,	PUNCT
fsr-3795	247	7	i.	i.	PROPN
fsr-3795	247	8	,	,	PUNCT
fsr-3795	247	9	&	&	CCONJ
fsr-3795	247	10	blume	blume	PROPN
fsr-3795	247	11	,	,	PUNCT
fsr-3795	247	12	m.e	m.e	PROPN
fsr-3795	247	13	.	.	PROPN
fsr-3795	247	14	(	(	PUNCT
fsr-3795	247	15	1975	1975	NUM
fsr-3795	247	16	)	)	PUNCT
fsr-3795	247	17	.	.	PUNCT
fsr-3795	248	1	the	the	DET
fsr-3795	248	2	demand	demand	NOUN
fsr-3795	248	3	for	for	ADP
fsr-3795	248	4	risky	risky	ADJ
fsr-3795	248	5	assets	asset	NOUN
fsr-3795	248	6	.	.	PUNCT
fsr-3795	249	1	american	american	PROPN
fsr-3795	249	2	economic	economic	PROPN
fsr-3795	249	3	review	review	PROPN
fsr-3795	249	4	,	,	PUNCT
fsr-3795	249	5	65	65	NUM
fsr-3795	249	6	,	,	PUNCT
fsr-3795	249	7	900	900	NUM
fsr-3795	249	8	-	-	SYM
fsr-3795	249	9	922	922	NUM
fsr-3795	249	10	.	.	PUNCT
fsr-3795	250	1	herringa	herringa	PROPN
fsr-3795	250	2	,	,	PUNCT
fsr-3795	250	3	s.g	s.g	PROPN
fsr-3795	250	4	.	.	PROPN
fsr-3795	250	5	,	,	PUNCT
fsr-3795	250	6	8~	8~	PROPN
fsr-3795	250	7	woodbum	woodbum	NOUN
fsr-3795	250	8	,	,	PUNCT
fsr-3795	250	9	r.l	r.l	PROPN
fsr-3795	250	10	.	.	PROPN
fsr-3795	250	11	(	(	PUNCT
fsr-3795	250	12	1991	1991	NUM
fsr-3795	250	13	)	)	PUNCT
fsr-3795	250	14	.	.	PUNCT
fsr-3795	251	1	the	the	DET
fsr-3795	251	2	1989	1989	NUM
fsr-3795	251	3	survey	survey	NOUN
fsr-3795	251	4	of	of	ADP
fsr-3795	251	5	consumer	consumer	NOUN
fsr-3795	251	6	finances	finance	NOUN
fsr-3795	251	7	:	:	PUNCT
fsr-3795	251	8	sample	sample	NOUN
fsr-3795	251	9	design	design	NOUN
fsr-3795	251	10	documentation	documentation	NOUN
fsr-3795	251	11	.	.	PUNCT
fsr-3795	252	1	mimeo	mimeo	NOUN
fsr-3795	252	2	,	,	PUNCT
fsr-3795	252	3	survey	survey	NOUN
fsr-3795	252	4	research	research	NOUN
fsr-3795	252	5	center	center	NOUN
fsr-3795	252	6	,	,	PUNCT
fsr-3795	252	7	university	university	NOUN
fsr-3795	252	8	of	of	ADP
fsr-3795	252	9	michigan	michigan	PROPN
fsr-3795	252	10	,	,	PUNCT
fsr-3795	252	11	ann	ann	PROPN
fsr-3795	252	12	arbor	arbor	PROPN
fsr-3795	252	13	.	.	PUNCT
fsr-3795	253	1	kennickell	kennickell	PROPN
fsr-3795	253	2	,	,	PUNCT
fsr-3795	253	3	a.b	a.b	PROPN
fsr-3795	253	4	.	.	PROPN
fsr-3795	253	5	(	(	PUNCT
fsr-3795	253	6	1991	1991	NUM
fsr-3795	253	7	)	)	PUNCT
fsr-3795	253	8	.	.	PUNCT
fsr-3795	254	1	imputation	imputation	NOUN
fsr-3795	254	2	of	of	ADP
fsr-3795	254	3	the	the	DET
fsr-3795	254	4	1989	1989	NUM
fsr-3795	254	5	survey	survey	NOUN
fsr-3795	254	6	of	of	ADP
fsr-3795	254	7	consumer	consumer	NOUN
fsr-3795	254	8	finances	finance	NOUN
fsr-3795	254	9	:	:	PUNCT
fsr-3795	254	10	stochastic	stochastic	ADJ
fsr-3795	254	11	relaxation	relaxation	NOUN
fsr-3795	254	12	and	and	CCONJ
fsr-3795	254	13	multiple	multiple	ADJ
fsr-3795	254	14	imputation	imputation	NOUN
fsr-3795	254	15	.	.	PUNCT
fsr-3795	255	1	proceedings	proceeding	NOUN
fsr-3795	255	2	of	of	ADP
fsr-3795	255	3	the	the	DET
fsr-3795	255	4	section	section	NOUN
fsr-3795	255	5	on	on	ADP
fsr-3795	255	6	survey	survey	NOUN
fsr-3795	255	7	research	research	NOUN
fsr-3795	255	8	methods	method	NOUN
fsr-3795	255	9	,	,	PUNCT
fsr-3795	255	10	american	american	ADJ
fsr-3795	255	11	statistical	statistical	ADJ
fsr-3795	255	12	association	association	PROPN
fsr-3795	255	13	,	,	PUNCT
fsr-3795	255	14	atlanta	atlanta	PROPN
fsr-3795	255	15	,	,	PUNCT
fsr-3795	255	16	ga	ga	PROPN
fsr-3795	255	17	.	.	PROPN
fsr-3795	255	18	liberman	liberman	PROPN
fsr-3795	255	19	,	,	PUNCT
fsr-3795	255	20	j.	j.	PROPN
fsr-3795	255	21	(	(	PUNCT
fsr-3795	255	22	1980	1980	NUM
fsr-3795	255	23	)	)	PUNCT
fsr-3795	255	24	.	.	PUNCT
fsr-3795	256	1	human	human	ADJ
fsr-3795	256	2	capital	capital	NOUN
fsr-3795	256	3	and	and	CCONJ
fsr-3795	256	4	the	the	DET
fsr-3795	256	5	financial	financial	ADJ
fsr-3795	256	6	capital	capital	NOUN
fsr-3795	256	7	market	market	NOUN
fsr-3795	256	8	.	.	PUNCT
fsr-3795	257	1	journae	journae	NOUN
fsr-3795	257	2	of	of	ADP
fsr-3795	257	3	business	business	NOUN
fsr-3795	257	4	,	,	PUNCT
fsr-3795	257	5	53	53	NUM
fsr-3795	257	6	,	,	PUNCT
fsr-3795	257	7	165	165	NUM
fsr-3795	257	8	191	191	NUM
fsr-3795	257	9	.	.	PUNCT
fsr-3795	258	1	morin	morin	PROPN
fsr-3795	258	2	,	,	PUNCT
fsr-3795	258	3	r.a	r.a	PROPN
fsr-3795	258	4	.	.	PROPN
fsr-3795	258	5	,	,	PUNCT
fsr-3795	258	6	&	&	CCONJ
fsr-3795	258	7	suarez	suarez	PROPN
fsr-3795	258	8	,	,	PUNCT
fsr-3795	258	9	f.	f.	PROPN
fsr-3795	258	10	(	(	PUNCT
fsr-3795	258	11	1983	1983	NUM
fsr-3795	258	12	)	)	PUNCT
fsr-3795	258	13	.	.	PUNCT
fsr-3795	259	1	risk	risk	NOUN
fsr-3795	259	2	aversion	aversion	NOUN
fsr-3795	259	3	revisited	revisit	VERB
fsr-3795	259	4	.	.	PUNCT
fsr-3795	260	1	journal	journal	PROPN
fsr-3795	260	2	of	of	ADP
fsr-3795	260	3	finance	finance	NOUN
fsr-3795	260	4	,	,	PUNCT
fsr-3795	260	5	38	38	NUM
fsr-3795	260	6	,	,	PUNCT
fsr-3795	260	7	1201	1201	NUM
fsr-3795	260	8	-	-	SYM
fsr-3795	260	9	1216	1216	NUM
fsr-3795	260	10	.	.	PUNCT
fsr-3795	261	1	pratt	pratt	PROPN
fsr-3795	261	2	,	,	PUNCT
fsr-3795	261	3	j.w	j.w	PROPN
fsr-3795	261	4	.	.	PUNCT
fsr-3795	261	5	(	(	PUNCT
fsr-3795	261	6	1964	1964	NUM
fsr-3795	261	7	)	)	PUNCT
fsr-3795	261	8	.	.	PUNCT
fsr-3795	262	1	risk	risk	NOUN
fsr-3795	262	2	aversion	aversion	NOUN
fsr-3795	262	3	in	in	ADP
fsr-3795	262	4	the	the	DET
fsr-3795	262	5	small	small	ADJ
fsr-3795	262	6	and	and	CCONJ
fsr-3795	262	7	in	in	ADP
fsr-3795	262	8	the	the	DET
fsr-3795	262	9	large	large	ADJ
fsr-3795	262	10	.	.	PUNCT
fsr-3795	263	1	econometrica	econometrica	PROPN
fsr-3795	263	2	,	,	PUNCT
fsr-3795	263	3	32	32	NUM
fsr-3795	263	4	,	,	PUNCT
fsr-3795	263	5	122	122	NUM
fsr-3795	263	6	-	-	SYM
fsr-3795	263	7	136	136	NUM
fsr-3795	263	8	.	.	PUNCT
fsr-3795	264	1	riley	riley	PROPN
fsr-3795	264	2	,	,	PUNCT
fsr-3795	264	3	w.b	w.b	PROPN
fsr-3795	264	4	.	.	PROPN
fsr-3795	264	5	,	,	PUNCT
fsr-3795	264	6	jr	jr	PROPN
fsr-3795	264	7	.	.	PROPN
fsr-3795	264	8	,	,	PUNCT
fsr-3795	264	9	&	&	CCONJ
fsr-3795	264	10	chow	chow	PROPN
fsr-3795	264	11	,	,	PUNCT
fsr-3795	264	12	k.v	k.v	PROPN
fsr-3795	264	13	.	.	PROPN
fsr-3795	264	14	(	(	PUNCT
fsr-3795	264	15	1992	1992	NUM
fsr-3795	264	16	)	)	PUNCT
fsr-3795	264	17	.	.	PUNCT
fsr-3795	265	1	asset	asset	NOUN
fsr-3795	265	2	allocation	allocation	NOUN
fsr-3795	265	3	and	and	CCONJ
fsr-3795	265	4	individual	individual	ADJ
fsr-3795	265	5	risk	risk	NOUN
fsr-3795	265	6	aversion	aversion	NOUN
fsr-3795	265	7	.	.	PUNCT
fsr-3795	266	1	financial	financial	ADJ
fsr-3795	266	2	analysts	analyst	NOUN
fsr-3795	266	3	journal	journal	NOUN
fsr-3795	266	4	,	,	PUNCT
fsr-3795	266	5	48	48	NUM
fsr-3795	266	6	,	,	PUNCT
fsr-3795	266	7	32	32	NUM
fsr-3795	266	8	-	-	SYM
fsr-3795	266	9	37	37	NUM
fsr-3795	266	10	.	.	PUNCT
fsr-3795	267	1	rubin	rubin	PROPN
fsr-3795	267	2	,	,	PUNCT
fsr-3795	267	3	d.b	d.b	PROPN
fsr-3795	267	4	.	.	PROPN
fsr-3795	267	5	(	(	PUNCT
fsr-3795	267	6	1987	1987	NUM
fsr-3795	267	7	)	)	PUNCT
fsr-3795	267	8	.	.	PUNCT
fsr-3795	268	1	multiple	multiple	ADJ
fsr-3795	268	2	imputation	imputation	NOUN
fsr-3795	268	3	for	for	ADP
fsr-3795	268	4	nonresponse	nonresponse	NOUN
fsr-3795	268	5	in	in	ADP
fsr-3795	268	6	surveys	survey	NOUN
fsr-3795	268	7	.	.	PUNCT
fsr-3795	269	1	new	new	PROPN
fsr-3795	269	2	york	york	PROPN
fsr-3795	269	3	:	:	PUNCT
fsr-3795	269	4	john	john	PROPN
fsr-3795	269	5	wiley	wiley	PROPN
fsr-3795	269	6	and	and	CCONJ
fsr-3795	269	7	sons	son	NOUN
fsr-3795	269	8	.	.	PUNCT
fsr-3795	270	1	siegel	siegel	PROPN
fsr-3795	270	2	,	,	PUNCT
fsr-3795	270	3	f.w	f.w	PROPN
fsr-3795	270	4	.	.	PROPN
fsr-3795	270	5	,	,	PUNCT
fsr-3795	270	6	&	&	CCONJ
fsr-3795	270	7	hoban	hoban	PROPN
fsr-3795	270	8	,	,	PUNCT
fsr-3795	270	9	j.p	j.p	PROPN
fsr-3795	270	10	.	.	PROPN
fsr-3795	270	11	,	,	PUNCT
fsr-3795	270	12	jr	jr	PROPN
fsr-3795	270	13	.	.	PROPN
fsr-3795	270	14	(	(	PUNCT
fsr-3795	270	15	1991	1991	NUM
fsr-3795	270	16	)	)	PUNCT
fsr-3795	270	17	.	.	PUNCT
fsr-3795	271	1	measuring	measure	VERB
fsr-3795	271	2	risk	risk	NOUN
fsr-3795	271	3	aversion	aversion	NOUN
fsr-3795	271	4	:	:	PUNCT
fsr-3795	271	5	allocation	allocation	NOUN
fsr-3795	271	6	,	,	PUNCT
fsr-3795	271	7	leverage	leverage	NOUN
fsr-3795	271	8	,	,	PUNCT
fsr-3795	271	9	and	and	CCONJ
fsr-3795	271	10	accumu	accumu	PROPN
fsr-3795	271	11	lation	lation	NOUN
fsr-3795	271	12	.	.	PUNCT
fsr-3795	272	1	journal	journal	NOUN
fsr-3795	272	2	of	of	ADP
fsr-3795	272	3	financial	financial	ADJ
fsr-3795	272	4	research	research	NOUN
fsr-3795	272	5	,	,	PUNCT
fsr-3795	272	6	14	14	NUM
fsr-3795	272	7	,	,	PUNCT
fsr-3795	272	8	27	27	NUM
fsr-3795	272	9	-	-	SYM
fsr-3795	272	10	35	35	NUM
fsr-3795	272	11	.	.	PUNCT
fsr-3795	273	1	siegel	siegel	PROPN
fsr-3795	273	2	,	,	PUNCT
fsr-3795	273	3	f.w	f.w	PROPN
fsr-3795	273	4	.	.	PROPN
fsr-3795	273	5	,	,	PUNCT
fsr-3795	273	6	&	&	CCONJ
fsr-3795	273	7	hoban	hoban	PROPN
fsr-3795	273	8	,	,	PUNCT
fsr-3795	273	9	j.p	j.p	PROPN
fsr-3795	273	10	.	.	PROPN
fsr-3795	273	11	,	,	PUNCT
fsr-3795	273	12	jr	jr	PROPN
fsr-3795	273	13	.	.	PROPN
fsr-3795	273	14	(	(	PUNCT
fsr-3795	273	15	1982	1982	NUM
fsr-3795	273	16	)	)	PUNCT
fsr-3795	273	17	.	.	PUNCT
fsr-3795	274	1	relative	relative	ADJ
fsr-3795	274	2	risk	risk	NOUN
fsr-3795	274	3	aversion	aversion	NOUN
fsr-3795	274	4	revisited	revisit	VERB
fsr-3795	274	5	.	.	PUNCT
fsr-3795	275	1	review	review	NOUN
fsr-3795	275	2	of	of	ADP
fsr-3795	275	3	economics	economic	NOUN
fsr-3795	275	4	and	and	CCONJ
fsr-3795	275	5	statistics	statistic	NOUN
fsr-3795	275	6	,	,	PUNCT
fsr-3795	275	7	64	64	NUM
fsr-3795	275	8	,	,	PUNCT
fsr-3795	275	9	481	481	NUM
fsr-3795	275	10	-	-	SYM
fsr-3795	275	11	487	487	NUM
fsr-3795	275	12	.	.	PUNCT
fsr-3795	276	1	u.s	u.s	PROPN
fsr-3795	276	2	.	.	PROPN
fsr-3795	276	3	bureau	bureau	PROPN
fsr-3795	276	4	of	of	ADP
fsr-3795	276	5	the	the	DET
fsr-3795	276	6	census	census	NOUN
fsr-3795	276	7	.	.	PUNCT
fsr-3795	277	1	(	(	PUNCT
fsr-3795	277	2	1992	1992	NUM
fsr-3795	277	3	)	)	PUNCT
fsr-3795	277	4	.	.	PUNCT
fsr-3795	278	1	statistical	statistical	ADJ
fsr-3795	278	2	abstract	abstract	NOUN
fsr-3795	278	3	of	of	ADP
fsr-3795	278	4	the	the	DET
fsr-3795	278	5	united	united	PROPN
fsr-3795	278	6	states	states	PROPN
fsr-3795	278	7	:	:	PUNCT
fsr-3795	278	8	1992	1992	NUM
fsr-3795	278	9	,	,	PUNCT
fsr-3795	278	10	112th	112th	PROPN
fsr-3795	278	11	ed	ed	NOUN
fsr-3795	278	12	.	.	PROPN
fsr-3795	279	1	wash	wash	PROPN
fsr-3795	279	2	ington	ington	PROPN
fsr-3795	279	3	,	,	PUNCT
fsr-3795	279	4	dc	dc	PROPN
fsr-3795	279	5	.	.	PUNCT