id	sid	tid	token	lemma	pos
fsr-3858	1	1	pii	pii	PROPN
fsr-3858	1	2	:	:	PUNCT
fsr-3858	1	3	s1057	s1057	NOUN
fsr-3858	1	4	-	-	PUNCT
fsr-3858	1	5	0810(99)00009	0810(99)00009	NOUN
fsr-3858	1	6	-	-	PUNCT
fsr-3858	1	7	8	8	NUM
fsr-3858	1	8	mean	mean	ADJ
fsr-3858	1	9	and	and	CCONJ
fsr-3858	1	10	pessimistic	pessimistic	ADJ
fsr-3858	1	11	projections	projection	NOUN
fsr-3858	1	12	of	of	ADP
fsr-3858	1	13	retirement	retirement	NOUN
fsr-3858	1	14	adequacy	adequacy	NOUN
fsr-3858	1	15	yoonkyung	yoonkyung	NOUN
fsr-3858	1	16	yuha	yuha	PROPN
fsr-3858	1	17	,	,	PUNCT
fsr-3858	1	18	sherman	sherman	PROPN
fsr-3858	1	19	hannab	hannab	PROPN
fsr-3858	1	20	,	,	PUNCT
fsr-3858	1	21	*	*	PROPN
fsr-3858	1	22	,	,	PUNCT
fsr-3858	1	23	catherine	catherine	PROPN
fsr-3858	1	24	phillips	phillips	PROPN
fsr-3858	1	25	montaltoc	montaltoc	VERB
fsr-3858	1	26	awon	awon	PROPN
fsr-3858	1	27	-	-	PUNCT
fsr-3858	1	28	building	building	NOUN
fsr-3858	1	29	6th	6th	ADJ
fsr-3858	1	30	floor	floor	NOUN
fsr-3858	1	31	,	,	PUNCT
fsr-3858	1	32	yumri	yumri	NOUN
fsr-3858	1	33	-	-	PUNCT
fsr-3858	1	34	dong	dong	NOUN
fsr-3858	1	35	,	,	PUNCT
fsr-3858	1	36	mapo	mapo	PROPN
fsr-3858	1	37	-	-	PUNCT
fsr-3858	1	38	ku	ku	PROPN
fsr-3858	1	39	,	,	PUNCT
fsr-3858	1	40	seoul	seoul	PROPN
fsr-3858	1	41	korea	korea	PROPN
fsr-3858	1	42	(	(	PUNCT
fsr-3858	1	43	rok	rok	PROPN
fsr-3858	1	44	)	)	PUNCT
fsr-3858	1	45	bprofessor	bprofessor	NOUN
fsr-3858	1	46	,	,	PUNCT
fsr-3858	1	47	consumer	consumer	NOUN
fsr-3858	1	48	and	and	CCONJ
fsr-3858	1	49	textile	textile	NOUN
fsr-3858	1	50	sciences	sciences	PROPN
fsr-3858	1	51	department	department	PROPN
fsr-3858	1	52	,	,	PUNCT
fsr-3858	1	53	the	the	DET
fsr-3858	1	54	ohio	ohio	PROPN
fsr-3858	1	55	state	state	PROPN
fsr-3858	1	56	university	university	PROPN
fsr-3858	1	57	,	,	PUNCT
fsr-3858	1	58	1787	1787	NUM
fsr-3858	1	59	neil	neil	PROPN
fsr-3858	1	60	ave	ave	PROPN
fsr-3858	1	61	.	.	PROPN
fsr-3858	1	62	,	,	PUNCT
fsr-3858	1	63	columbus	columbus	PROPN
fsr-3858	1	64	,	,	PUNCT
fsr-3858	1	65	oh	oh	INTJ
fsr-3858	1	66	43210	43210	NUM
fsr-3858	1	67	-	-	SYM
fsr-3858	1	68	1295	1295	NUM
fsr-3858	1	69	,	,	PUNCT
fsr-3858	1	70	usa	usa	PROPN
fsr-3858	1	71	cassistant	cassistant	PROPN
fsr-3858	1	72	professor	professor	NOUN
fsr-3858	1	73	,	,	PUNCT
fsr-3858	1	74	consumer	consumer	NOUN
fsr-3858	1	75	and	and	CCONJ
fsr-3858	1	76	textile	textile	NOUN
fsr-3858	1	77	sciences	sciences	PROPN
fsr-3858	1	78	department	department	PROPN
fsr-3858	1	79	,	,	PUNCT
fsr-3858	1	80	the	the	DET
fsr-3858	1	81	ohio	ohio	PROPN
fsr-3858	1	82	state	state	PROPN
fsr-3858	1	83	university	university	PROPN
fsr-3858	1	84	,	,	PUNCT
fsr-3858	1	85	1787	1787	NUM
fsr-3858	1	86	neil	neil	PROPN
fsr-3858	1	87	ave	ave	PROPN
fsr-3858	1	88	.	.	PROPN
fsr-3858	1	89	,	,	PUNCT
fsr-3858	1	90	columbus	columbus	PROPN
fsr-3858	1	91	,	,	PUNCT
fsr-3858	1	92	oh	oh	INTJ
fsr-3858	1	93	43210	43210	NUM
fsr-3858	1	94	-	-	SYM
fsr-3858	1	95	1295	1295	NUM
fsr-3858	1	96	,	,	PUNCT
fsr-3858	1	97	usa	usa	PROPN
fsr-3858	1	98	abstract	abstract	PROPN
fsr-3858	1	99	retirement	retirement	NOUN
fsr-3858	1	100	adequacy	adequacy	NOUN
fsr-3858	1	101	is	be	AUX
fsr-3858	1	102	estimated	estimate	VERB
fsr-3858	1	103	using	use	VERB
fsr-3858	1	104	a	a	DET
fsr-3858	1	105	1995	1995	NUM
fsr-3858	1	106	united	united	PROPN
fsr-3858	1	107	states	states	PROPN
fsr-3858	1	108	sample	sample	NOUN
fsr-3858	1	109	of	of	ADP
fsr-3858	1	110	households	household	NOUN
fsr-3858	1	111	.	.	PUNCT
fsr-3858	2	1	based	base	VERB
fsr-3858	2	2	on	on	ADP
fsr-3858	2	3	mean	mean	PROPN
fsr-3858	2	4	lognormal	lognormal	ADJ
fsr-3858	2	5	portfolio	portfolio	NOUN
fsr-3858	2	6	projections	projection	NOUN
fsr-3858	2	7	and	and	CCONJ
fsr-3858	2	8	current	current	ADJ
fsr-3858	2	9	contribution	contribution	NOUN
fsr-3858	2	10	rates	rate	NOUN
fsr-3858	2	11	,	,	PUNCT
fsr-3858	2	12	52	52	NUM
fsr-3858	2	13	%	%	NOUN
fsr-3858	2	14	of	of	ADP
fsr-3858	2	15	households	household	NOUN
fsr-3858	2	16	are	be	AUX
fsr-3858	2	17	adequately	adequately	ADV
fsr-3858	2	18	prepared	prepare	VERB
fsr-3858	2	19	for	for	ADP
fsr-3858	2	20	retirement	retirement	NOUN
fsr-3858	2	21	.	.	PUNCT
fsr-3858	3	1	based	base	VERB
fsr-3858	3	2	on	on	ADP
fsr-3858	3	3	pessimistic	pessimistic	ADJ
fsr-3858	3	4	projections	projection	NOUN
fsr-3858	3	5	,	,	PUNCT
fsr-3858	3	6	only	only	ADV
fsr-3858	3	7	42	42	NUM
fsr-3858	3	8	%	%	NOUN
fsr-3858	3	9	of	of	ADP
fsr-3858	3	10	households	household	NOUN
fsr-3858	3	11	are	be	AUX
fsr-3858	3	12	adequately	adequately	ADV
fsr-3858	3	13	prepared	prepare	VERB
fsr-3858	3	14	.	.	PUNCT
fsr-3858	4	1	a	a	DET
fsr-3858	4	2	regression	regression	NOUN
fsr-3858	4	3	of	of	ADP
fsr-3858	4	4	the	the	DET
fsr-3858	4	5	ratio	ratio	NOUN
fsr-3858	4	6	of	of	ADP
fsr-3858	4	7	projected	project	VERB
fsr-3858	4	8	wealth	wealth	NOUN
fsr-3858	4	9	to	to	PART
fsr-3858	4	10	needs	need	NOUN
fsr-3858	4	11	at	at	ADP
fsr-3858	4	12	retirement	retirement	NOUN
fsr-3858	4	13	shows	show	NOUN
fsr-3858	4	14	that	that	SCONJ
fsr-3858	4	15	adequacy	adequacy	NOUN
fsr-3858	4	16	increases	increase	VERB
fsr-3858	4	17	with	with	ADP
fsr-3858	4	18	stock	stock	NOUN
fsr-3858	4	19	share	share	NOUN
fsr-3858	4	20	(	(	PUNCT
fsr-3858	4	21	mean	mean	INTJ
fsr-3858	4	22	projection	projection	NOUN
fsr-3858	4	23	)	)	PUNCT
fsr-3858	4	24	and	and	CCONJ
fsr-3858	4	25	the	the	DET
fsr-3858	4	26	impact	impact	NOUN
fsr-3858	4	27	increases	increase	VERB
fsr-3858	4	28	with	with	ADP
fsr-3858	4	29	time	time	NOUN
fsr-3858	4	30	until	until	ADP
fsr-3858	4	31	retirement	retirement	NOUN
fsr-3858	4	32	.	.	PUNCT
fsr-3858	5	1	with	with	ADP
fsr-3858	5	2	pessimistic	pessimistic	ADJ
fsr-3858	5	3	projections	projection	NOUN
fsr-3858	5	4	,	,	PUNCT
fsr-3858	5	5	there	there	PRON
fsr-3858	5	6	is	be	VERB
fsr-3858	5	7	no	no	DET
fsr-3858	5	8	significant	significant	ADJ
fsr-3858	5	9	relationship	relationship	NOUN
fsr-3858	5	10	between	between	ADP
fsr-3858	5	11	stock	stock	NOUN
fsr-3858	5	12	share	share	NOUN
fsr-3858	5	13	and	and	CCONJ
fsr-3858	5	14	the	the	DET
fsr-3858	5	15	adequacy	adequacy	NOUN
fsr-3858	5	16	ratio	ratio	NOUN
fsr-3858	5	17	.	.	PUNCT
fsr-3858	6	1	planned	plan	VERB
fsr-3858	6	2	retirement	retirement	NOUN
fsr-3858	6	3	age	age	NOUN
fsr-3858	6	4	and	and	CCONJ
fsr-3858	6	5	household	household	NOUN
fsr-3858	6	6	spending	spending	NOUN
fsr-3858	6	7	behavior	behavior	NOUN
fsr-3858	6	8	are	be	AUX
fsr-3858	6	9	each	each	PRON
fsr-3858	6	10	significantly	significantly	ADV
fsr-3858	6	11	related	relate	VERB
fsr-3858	6	12	to	to	ADP
fsr-3858	6	13	the	the	DET
fsr-3858	6	14	adequacy	adequacy	NOUN
fsr-3858	6	15	ratio	ratio	NOUN
fsr-3858	6	16	.	.	PUNCT
fsr-3858	7	1	©	©	PROPN
fsr-3858	7	2	1998	1998	NUM
fsr-3858	7	3	elsevier	elsevier	PROPN
fsr-3858	7	4	science	science	PROPN
fsr-3858	7	5	inc	inc	PROPN
fsr-3858	7	6	.	.	PUNCT
fsr-3858	8	1	all	all	DET
fsr-3858	8	2	rights	right	NOUN
fsr-3858	8	3	reserved	reserve	VERB
fsr-3858	8	4	.	.	PUNCT
fsr-3858	9	1	1	1	X
fsr-3858	9	2	.	.	X
fsr-3858	9	3	introduction	introduction	NOUN
fsr-3858	9	4	the	the	DET
fsr-3858	9	5	elderly	elderly	ADJ
fsr-3858	9	6	population	population	NOUN
fsr-3858	9	7	in	in	ADP
fsr-3858	9	8	the	the	DET
fsr-3858	9	9	united	united	PROPN
fsr-3858	9	10	states	states	PROPN
fsr-3858	9	11	is	be	AUX
fsr-3858	9	12	growing	grow	VERB
fsr-3858	9	13	at	at	ADP
fsr-3858	9	14	a	a	DET
fsr-3858	9	15	much	much	ADV
fsr-3858	9	16	faster	fast	ADJ
fsr-3858	9	17	rate	rate	NOUN
fsr-3858	9	18	than	than	ADP
fsr-3858	9	19	the	the	DET
fsr-3858	9	20	population	population	NOUN
fsr-3858	9	21	as	as	ADP
fsr-3858	9	22	a	a	DET
fsr-3858	9	23	whole	whole	NOUN
fsr-3858	9	24	.	.	PUNCT
fsr-3858	10	1	the	the	DET
fsr-3858	10	2	number	number	NOUN
fsr-3858	10	3	of	of	ADP
fsr-3858	10	4	persons	person	NOUN
fsr-3858	10	5	65	65	NUM
fsr-3858	10	6	years	year	NOUN
fsr-3858	10	7	old	old	ADJ
fsr-3858	10	8	and	and	CCONJ
fsr-3858	10	9	over	over	ADV
fsr-3858	10	10	in	in	ADP
fsr-3858	10	11	1996	1996	NUM
fsr-3858	10	12	(	(	PUNCT
fsr-3858	10	13	34	34	NUM
fsr-3858	10	14	million	million	NUM
fsr-3858	10	15	)	)	PUNCT
fsr-3858	10	16	was	be	AUX
fsr-3858	10	17	11	11	NUM
fsr-3858	10	18	times	time	NOUN
fsr-3858	10	19	larger	large	ADJ
fsr-3858	10	20	than	than	ADP
fsr-3858	10	21	in	in	ADP
fsr-3858	10	22	1900	1900	NUM
fsr-3858	10	23	(	(	PUNCT
fsr-3858	10	24	3	3	NUM
fsr-3858	10	25	million	million	NUM
fsr-3858	10	26	)	)	PUNCT
fsr-3858	10	27	.	.	PUNCT
fsr-3858	11	1	over	over	ADP
fsr-3858	11	2	this	this	DET
fsr-3858	11	3	same	same	ADJ
fsr-3858	11	4	period	period	NOUN
fsr-3858	11	5	,	,	PUNCT
fsr-3858	11	6	the	the	DET
fsr-3858	11	7	number	number	NOUN
fsr-3858	11	8	of	of	ADP
fsr-3858	11	9	persons	person	NOUN
fsr-3858	11	10	under	under	ADP
fsr-3858	11	11	65	65	NUM
fsr-3858	11	12	years	year	NOUN
fsr-3858	11	13	old	old	ADJ
fsr-3858	11	14	only	only	ADV
fsr-3858	11	15	tripled	triple	VERB
fsr-3858	11	16	.	.	PUNCT
fsr-3858	12	1	the	the	DET
fsr-3858	12	2	elderly	elderly	ADJ
fsr-3858	12	3	population	population	NOUN
fsr-3858	12	4	is	be	AUX
fsr-3858	12	5	projected	project	VERB
fsr-3858	12	6	to	to	ADP
fsr-3858	12	7	more	more	ADV
fsr-3858	12	8	than	than	ADP
fsr-3858	12	9	double	double	ADJ
fsr-3858	12	10	by	by	ADP
fsr-3858	12	11	the	the	DET
fsr-3858	12	12	middle	middle	NOUN
fsr-3858	12	13	of	of	ADP
fsr-3858	12	14	the	the	DET
fsr-3858	12	15	21st	21st	ADJ
fsr-3858	12	16	century	century	NOUN
fsr-3858	12	17	to	to	ADP
fsr-3858	12	18	79	79	NUM
fsr-3858	12	19	million	million	NUM
fsr-3858	12	20	,	,	PUNCT
fsr-3858	12	21	at	at	ADP
fsr-3858	12	22	which	which	DET
fsr-3858	12	23	time	time	NOUN
fsr-3858	12	24	elderly	elderly	ADJ
fsr-3858	12	25	persons	person	NOUN
fsr-3858	12	26	will	will	AUX
fsr-3858	12	27	represent	represent	VERB
fsr-3858	12	28	20	20	NUM
fsr-3858	12	29	%	%	NOUN
fsr-3858	12	30	of	of	ADP
fsr-3858	12	31	the	the	DET
fsr-3858	12	32	united	united	PROPN
fsr-3858	12	33	states	states	PROPN
fsr-3858	12	34	population	population	NOUN
fsr-3858	12	35	(	(	PUNCT
fsr-3858	12	36	u.s	u.s	PROPN
fsr-3858	12	37	.	.	PROPN
fsr-3858	12	38	bureau	bureau	PROPN
fsr-3858	12	39	of	of	ADP
fsr-3858	12	40	the	the	DET
fsr-3858	12	41	census	census	NOUN
fsr-3858	12	42	,	,	PUNCT
fsr-3858	12	43	1998	1998	NUM
fsr-3858	12	44	)	)	PUNCT
fsr-3858	12	45	.	.	PUNCT
fsr-3858	13	1	while	while	SCONJ
fsr-3858	13	2	the	the	DET
fsr-3858	13	3	number	number	NOUN
fsr-3858	13	4	of	of	ADP
fsr-3858	13	5	older	old	ADJ
fsr-3858	13	6	persons	person	NOUN
fsr-3858	13	7	is	be	AUX
fsr-3858	13	8	rapidly	rapidly	ADV
fsr-3858	13	9	growing	grow	VERB
fsr-3858	13	10	,	,	PUNCT
fsr-3858	13	11	the	the	DET
fsr-3858	13	12	financial	financial	ADJ
fsr-3858	13	13	situation	situation	NOUN
fsr-3858	13	14	for	for	ADP
fsr-3858	13	15	future	future	ADJ
fsr-3858	13	16	retirees	retiree	NOUN
fsr-3858	13	17	remains	remain	VERB
fsr-3858	13	18	uncertain	uncertain	ADJ
fsr-3858	13	19	.	.	PUNCT
fsr-3858	14	1	retirement	retirement	NOUN
fsr-3858	14	2	income	income	NOUN
fsr-3858	14	3	is	be	AUX
fsr-3858	14	4	commonly	commonly	ADV
fsr-3858	14	5	assumed	assume	VERB
fsr-3858	14	6	to	to	PART
fsr-3858	14	7	come	come	VERB
fsr-3858	14	8	from	from	ADP
fsr-3858	14	9	the	the	DET
fsr-3858	14	10	triad	triad	NOUN
fsr-3858	14	11	of	of	ADP
fsr-3858	14	12	social	social	ADJ
fsr-3858	14	13	security	security	NOUN
fsr-3858	14	14	,	,	PUNCT
fsr-3858	14	15	private	private	ADJ
fsr-3858	14	16	*	*	PUNCT
fsr-3858	14	17	corresponding	correspond	VERB
fsr-3858	14	18	author	author	NOUN
fsr-3858	14	19	.	.	PUNCT
fsr-3858	15	1	tel.:11	tel.:11	PROPN
fsr-3858	15	2	-	-	PUNCT
fsr-3858	15	3	614	614	NUM
fsr-3858	15	4	-	-	PUNCT
fsr-3858	15	5	292	292	NUM
fsr-3858	15	6	-	-	PUNCT
fsr-3858	15	7	4584	4584	NUM
fsr-3858	15	8	;	;	PUNCT
fsr-3858	15	9	fax:11	fax:11	NOUN
fsr-3858	15	10	-	-	PUNCT
fsr-3858	15	11	614	614	NUM
fsr-3858	15	12	-	-	PUNCT
fsr-3858	15	13	292	292	NUM
fsr-3858	15	14	-	-	PUNCT
fsr-3858	15	15	7536	7536	NUM
fsr-3858	15	16	.	.	PUNCT
fsr-3858	16	1	e	e	X
fsr-3858	16	2	-	-	NOUN
fsr-3858	16	3	mail	mail	NOUN
fsr-3858	16	4	address:hanna.1@osu.edu	address:hanna.1@osu.edu	PROPN
fsr-3858	16	5	(	(	PUNCT
fsr-3858	16	6	s.	s.	PROPN
fsr-3858	16	7	hanna	hanna	PROPN
fsr-3858	16	8	)	)	PUNCT
fsr-3858	16	9	financial	financial	ADJ
fsr-3858	16	10	services	service	NOUN
fsr-3858	16	11	review	review	VERB
fsr-3858	16	12	7	7	NUM
fsr-3858	16	13	(	(	PUNCT
fsr-3858	16	14	1998	1998	NUM
fsr-3858	16	15	)	)	PUNCT
fsr-3858	17	1	175–193	175–193	NUM
fsr-3858	17	2	1057	1057	NUM
fsr-3858	17	3	-	-	SYM
fsr-3858	17	4	0810/98/$	0810/98/$	NUM
fsr-3858	17	5	–	–	PUNCT
fsr-3858	17	6	see	see	VERB
fsr-3858	17	7	front	front	ADJ
fsr-3858	17	8	matter	matter	NOUN
fsr-3858	17	9	©	©	PROPN
fsr-3858	17	10	1998	1998	NUM
fsr-3858	17	11	elsevier	elsevier	PROPN
fsr-3858	17	12	science	science	PROPN
fsr-3858	17	13	inc	inc	PROPN
fsr-3858	17	14	.	.	PUNCT
fsr-3858	18	1	all	all	DET
fsr-3858	18	2	rights	right	NOUN
fsr-3858	18	3	reserved	reserve	VERB
fsr-3858	18	4	.	.	PUNCT
fsr-3858	19	1	pii	pii	NOUN
fsr-3858	19	2	:	:	PUNCT
fsr-3858	19	3	s1057	s1057	NOUN
fsr-3858	19	4	-	-	PUNCT
fsr-3858	19	5	0810(99)00009	0810(99)00009	NUM
fsr-3858	19	6	-	-	PUNCT
fsr-3858	19	7	8	8	NUM
fsr-3858	19	8	pensions	pension	NOUN
fsr-3858	19	9	,	,	PUNCT
fsr-3858	19	10	and	and	CCONJ
fsr-3858	19	11	personal	personal	ADJ
fsr-3858	19	12	saving	saving	NOUN
fsr-3858	19	13	.	.	PUNCT
fsr-3858	20	1	planned	plan	VERB
fsr-3858	20	2	reductions	reduction	NOUN
fsr-3858	20	3	in	in	ADP
fsr-3858	20	4	social	social	ADJ
fsr-3858	20	5	security	security	NOUN
fsr-3858	20	6	benefits	benefit	NOUN
fsr-3858	20	7	for	for	ADP
fsr-3858	20	8	retirement	retirement	NOUN
fsr-3858	20	9	before	before	ADP
fsr-3858	20	10	age	age	NOUN
fsr-3858	20	11	67	67	NUM
fsr-3858	20	12	and	and	CCONJ
fsr-3858	20	13	the	the	DET
fsr-3858	20	14	shift	shift	NOUN
fsr-3858	20	15	away	away	ADV
fsr-3858	20	16	from	from	ADP
fsr-3858	20	17	defined	define	VERB
fsr-3858	20	18	benefit	benefit	NOUN
fsr-3858	20	19	pension	pension	NOUN
fsr-3858	20	20	plans	plan	NOUN
fsr-3858	20	21	(	(	PUNCT
fsr-3858	20	22	u.s	u.s	PROPN
fsr-3858	20	23	.	.	PROPN
fsr-3858	20	24	general	general	ADJ
fsr-3858	20	25	accounting	accounting	PROPN
fsr-3858	20	26	office	office	NOUN
fsr-3858	20	27	,	,	PUNCT
fsr-3858	20	28	1996	1996	NUM
fsr-3858	20	29	)	)	PUNCT
fsr-3858	20	30	increase	increase	VERB
fsr-3858	20	31	the	the	DET
fsr-3858	20	32	importance	importance	NOUN
fsr-3858	20	33	of	of	ADP
fsr-3858	20	34	personal	personal	ADJ
fsr-3858	20	35	saving	saving	NOUN
fsr-3858	20	36	as	as	ADP
fsr-3858	20	37	a	a	DET
fsr-3858	20	38	source	source	NOUN
fsr-3858	20	39	of	of	ADP
fsr-3858	20	40	retirement	retirement	NOUN
fsr-3858	20	41	income	income	NOUN
fsr-3858	20	42	.	.	PUNCT
fsr-3858	21	1	personal	personal	ADJ
fsr-3858	21	2	savings	saving	NOUN
fsr-3858	21	3	rates	rate	NOUN
fsr-3858	21	4	in	in	ADP
fsr-3858	21	5	the	the	DET
fsr-3858	21	6	united	united	PROPN
fsr-3858	21	7	states	states	PROPN
fsr-3858	21	8	have	have	AUX
fsr-3858	21	9	decreased	decrease	VERB
fsr-3858	21	10	recently	recently	ADV
fsr-3858	21	11	to	to	ADP
fsr-3858	21	12	very	very	ADV
fsr-3858	21	13	low	low	ADJ
fsr-3858	21	14	levels	level	NOUN
fsr-3858	21	15	,	,	PUNCT
fsr-3858	21	16	reaching20.2	reaching20.2	ADJ
fsr-3858	21	17	%	%	NOUN
fsr-3858	21	18	in	in	ADP
fsr-3858	21	19	september	september	PROPN
fsr-3858	21	20	,	,	PUNCT
fsr-3858	21	21	1998	1998	NUM
fsr-3858	21	22	(	(	PUNCT
fsr-3858	21	23	u.s	u.s	PROPN
fsr-3858	21	24	.	.	PROPN
fsr-3858	21	25	department	department	PROPN
fsr-3858	21	26	of	of	ADP
fsr-3858	21	27	commerce	commerce	PROPN
fsr-3858	21	28	,	,	PUNCT
fsr-3858	21	29	1998	1998	NUM
fsr-3858	21	30	)	)	PUNCT
fsr-3858	21	31	,	,	PUNCT
fsr-3858	21	32	so	so	SCONJ
fsr-3858	21	33	individuals	individual	NOUN
fsr-3858	21	34	must	must	AUX
fsr-3858	21	35	carefully	carefully	ADV
fsr-3858	21	36	determine	determine	VERB
fsr-3858	21	37	how	how	SCONJ
fsr-3858	21	38	much	much	ADJ
fsr-3858	21	39	to	to	PART
fsr-3858	21	40	save	save	VERB
fsr-3858	21	41	for	for	ADP
fsr-3858	21	42	retirement	retirement	NOUN
fsr-3858	21	43	and	and	CCONJ
fsr-3858	21	44	how	how	SCONJ
fsr-3858	21	45	to	to	PART
fsr-3858	21	46	invest	invest	VERB
fsr-3858	21	47	savings	saving	NOUN
fsr-3858	21	48	in	in	ADP
fsr-3858	21	49	order	order	NOUN
fsr-3858	21	50	to	to	PART
fsr-3858	21	51	be	be	AUX
fsr-3858	21	52	prepared	prepare	VERB
fsr-3858	21	53	financially	financially	ADV
fsr-3858	21	54	for	for	ADP
fsr-3858	21	55	retirement	retirement	NOUN
fsr-3858	21	56	.	.	PUNCT
fsr-3858	22	1	retirement	retirement	NOUN
fsr-3858	22	2	savings	saving	NOUN
fsr-3858	22	3	can	can	AUX
fsr-3858	22	4	be	be	AUX
fsr-3858	22	5	invested	invest	VERB
fsr-3858	22	6	in	in	ADP
fsr-3858	22	7	a	a	DET
fsr-3858	22	8	variety	variety	NOUN
fsr-3858	22	9	of	of	ADP
fsr-3858	22	10	ways	way	NOUN
fsr-3858	22	11	,	,	PUNCT
fsr-3858	22	12	ranging	range	VERB
fsr-3858	22	13	from	from	ADP
fsr-3858	22	14	traditional	traditional	ADJ
fsr-3858	22	15	savings	saving	NOUN
fsr-3858	22	16	accounts	account	NOUN
fsr-3858	22	17	with	with	ADP
fsr-3858	22	18	relatively	relatively	ADV
fsr-3858	22	19	low	low	ADJ
fsr-3858	22	20	rates	rate	NOUN
fsr-3858	22	21	of	of	ADP
fsr-3858	22	22	return	return	NOUN
fsr-3858	22	23	,	,	PUNCT
fsr-3858	22	24	to	to	PART
fsr-3858	22	25	publicly	publicly	ADV
fsr-3858	22	26	traded	trade	VERB
fsr-3858	22	27	stocks	stock	NOUN
fsr-3858	22	28	and	and	CCONJ
fsr-3858	22	29	mutual	mutual	ADJ
fsr-3858	22	30	funds	fund	NOUN
fsr-3858	22	31	offering	offer	VERB
fsr-3858	22	32	relatively	relatively	ADV
fsr-3858	22	33	high	high	ADJ
fsr-3858	22	34	rates	rate	NOUN
fsr-3858	22	35	of	of	ADP
fsr-3858	22	36	return	return	NOUN
fsr-3858	22	37	.	.	PUNCT
fsr-3858	23	1	previous	previous	ADJ
fsr-3858	23	2	research	research	NOUN
fsr-3858	23	3	has	have	AUX
fsr-3858	23	4	documented	document	VERB
fsr-3858	23	5	variation	variation	NOUN
fsr-3858	23	6	across	across	ADP
fsr-3858	23	7	individuals	individual	NOUN
fsr-3858	23	8	in	in	ADP
fsr-3858	23	9	the	the	DET
fsr-3858	23	10	choice	choice	NOUN
fsr-3858	23	11	of	of	ADP
fsr-3858	23	12	investment	investment	NOUN
fsr-3858	23	13	vehicles	vehicle	NOUN
fsr-3858	23	14	,	,	PUNCT
fsr-3858	23	15	or	or	CCONJ
fsr-3858	23	16	portfolio	portfolio	NOUN
fsr-3858	23	17	allocation	allocation	NOUN
fsr-3858	23	18	(	(	PUNCT
fsr-3858	23	19	bajtelsmit	bajtelsmit	NOUN
fsr-3858	23	20	and	and	CCONJ
fsr-3858	23	21	van	van	PROPN
fsr-3858	23	22	derhei	derhei	PROPN
fsr-3858	23	23	,	,	PUNCT
fsr-3858	23	24	1996	1996	NUM
fsr-3858	23	25	)	)	PUNCT
fsr-3858	23	26	.	.	PUNCT
fsr-3858	24	1	however	however	ADV
fsr-3858	24	2	,	,	PUNCT
fsr-3858	24	3	an	an	DET
fsr-3858	24	4	individual	individual	NOUN
fsr-3858	24	5	’s	’s	PART
fsr-3858	24	6	retirement	retirement	NOUN
fsr-3858	24	7	funds	fund	NOUN
fsr-3858	24	8	are	be	AUX
fsr-3858	24	9	invested	invest	VERB
fsr-3858	24	10	for	for	ADP
fsr-3858	24	11	a	a	DET
fsr-3858	24	12	particular	particular	ADJ
fsr-3858	24	13	period	period	NOUN
fsr-3858	24	14	of	of	ADP
fsr-3858	24	15	time	time	NOUN
fsr-3858	24	16	during	during	ADP
fsr-3858	24	17	which	which	PRON
fsr-3858	24	18	market	market	NOUN
fsr-3858	24	19	rates	rate	NOUN
fsr-3858	24	20	of	of	ADP
fsr-3858	24	21	return	return	NOUN
fsr-3858	24	22	can	can	AUX
fsr-3858	24	23	vary	vary	VERB
fsr-3858	24	24	.	.	PUNCT
fsr-3858	25	1	an	an	DET
fsr-3858	25	2	individual	individual	ADJ
fsr-3858	25	3	investor	investor	NOUN
fsr-3858	25	4	may	may	AUX
fsr-3858	25	5	receive	receive	VERB
fsr-3858	25	6	an	an	DET
fsr-3858	25	7	unusually	unusually	ADV
fsr-3858	25	8	high	high	ADJ
fsr-3858	25	9	or	or	CCONJ
fsr-3858	25	10	unusually	unusually	ADV
fsr-3858	25	11	low	low	ADJ
fsr-3858	25	12	rate	rate	NOUN
fsr-3858	25	13	of	of	ADP
fsr-3858	25	14	return	return	NOUN
fsr-3858	25	15	.	.	PUNCT
fsr-3858	26	1	while	while	SCONJ
fsr-3858	26	2	it	it	PRON
fsr-3858	26	3	is	be	AUX
fsr-3858	26	4	routine	routine	ADJ
fsr-3858	26	5	to	to	PART
fsr-3858	26	6	use	use	VERB
fsr-3858	26	7	average	average	ADJ
fsr-3858	26	8	rates	rate	NOUN
fsr-3858	26	9	of	of	ADP
fsr-3858	26	10	return	return	NOUN
fsr-3858	26	11	to	to	PART
fsr-3858	26	12	project	project	VERB
fsr-3858	26	13	retirement	retirement	NOUN
fsr-3858	26	14	resources	resource	NOUN
fsr-3858	26	15	,	,	PUNCT
fsr-3858	26	16	this	this	PRON
fsr-3858	26	17	may	may	AUX
fsr-3858	26	18	overor	overor	VERB
fsr-3858	26	19	under	under	NOUN
fsr-3858	26	20	-	-	PUNCT
fsr-3858	26	21	estimate	estimate	NOUN
fsr-3858	26	22	the	the	DET
fsr-3858	26	23	ultimate	ultimate	ADJ
fsr-3858	26	24	accumulation	accumulation	NOUN
fsr-3858	26	25	depending	depend	VERB
fsr-3858	26	26	on	on	ADP
fsr-3858	26	27	the	the	DET
fsr-3858	26	28	actual	actual	ADJ
fsr-3858	26	29	market	market	NOUN
fsr-3858	26	30	rates	rate	NOUN
fsr-3858	26	31	of	of	ADP
fsr-3858	26	32	return	return	NOUN
fsr-3858	26	33	.	.	PUNCT
fsr-3858	27	1	a	a	DET
fsr-3858	27	2	better	well	ADJ
fsr-3858	27	3	picture	picture	NOUN
fsr-3858	27	4	of	of	ADP
fsr-3858	27	5	the	the	DET
fsr-3858	27	6	range	range	NOUN
fsr-3858	27	7	of	of	ADP
fsr-3858	27	8	possibilities	possibility	NOUN
fsr-3858	27	9	can	can	AUX
fsr-3858	27	10	be	be	AUX
fsr-3858	27	11	provided	provide	VERB
fsr-3858	27	12	by	by	ADP
fsr-3858	27	13	making	make	VERB
fsr-3858	27	14	more	more	ADJ
fsr-3858	27	15	than	than	ADP
fsr-3858	27	16	one	one	NUM
fsr-3858	27	17	projection	projection	NOUN
fsr-3858	27	18	of	of	ADP
fsr-3858	27	19	retirement	retirement	NOUN
fsr-3858	27	20	resources	resource	NOUN
fsr-3858	27	21	.	.	PUNCT
fsr-3858	28	1	the	the	DET
fsr-3858	28	2	purpose	purpose	NOUN
fsr-3858	28	3	of	of	ADP
fsr-3858	28	4	this	this	DET
fsr-3858	28	5	study	study	NOUN
fsr-3858	28	6	is	be	AUX
fsr-3858	28	7	to	to	PART
fsr-3858	28	8	investigate	investigate	VERB
fsr-3858	28	9	the	the	DET
fsr-3858	28	10	adequacy	adequacy	NOUN
fsr-3858	28	11	of	of	ADP
fsr-3858	28	12	retirement	retirement	NOUN
fsr-3858	28	13	wealth	wealth	NOUN
fsr-3858	28	14	using	use	VERB
fsr-3858	28	15	both	both	PRON
fsr-3858	28	16	mean	mean	ADJ
fsr-3858	28	17	and	and	CCONJ
fsr-3858	28	18	pessimistic	pessimistic	ADJ
fsr-3858	28	19	projections	projection	NOUN
fsr-3858	28	20	of	of	ADP
fsr-3858	28	21	retirement	retirement	NOUN
fsr-3858	28	22	wealth	wealth	NOUN
fsr-3858	28	23	.	.	PUNCT
fsr-3858	29	1	unique	unique	ADJ
fsr-3858	29	2	contributions	contribution	NOUN
fsr-3858	29	3	of	of	ADP
fsr-3858	29	4	this	this	DET
fsr-3858	29	5	research	research	NOUN
fsr-3858	29	6	include	include	VERB
fsr-3858	29	7	use	use	NOUN
fsr-3858	29	8	of	of	ADP
fsr-3858	29	9	household	household	NOUN
fsr-3858	29	10	specific	specific	ADJ
fsr-3858	29	11	information	information	NOUN
fsr-3858	29	12	on	on	ADP
fsr-3858	29	13	planned	plan	VERB
fsr-3858	29	14	retirement	retirement	NOUN
fsr-3858	29	15	age	age	NOUN
fsr-3858	29	16	and	and	CCONJ
fsr-3858	29	17	portfolio	portfolio	NOUN
fsr-3858	29	18	allocation	allocation	NOUN
fsr-3858	29	19	,	,	PUNCT
fsr-3858	29	20	projection	projection	NOUN
fsr-3858	29	21	of	of	ADP
fsr-3858	29	22	retirement	retirement	NOUN
fsr-3858	29	23	wealth	wealth	NOUN
fsr-3858	29	24	using	use	VERB
fsr-3858	29	25	asset	asset	NOUN
fsr-3858	29	26	specific	specific	ADJ
fsr-3858	29	27	growth	growth	NOUN
fsr-3858	29	28	rates	rate	NOUN
fsr-3858	29	29	,	,	PUNCT
fsr-3858	29	30	estimation	estimation	NOUN
fsr-3858	29	31	of	of	ADP
fsr-3858	29	32	retirement	retirement	NOUN
fsr-3858	29	33	needs	need	NOUN
fsr-3858	29	34	based	base	VERB
fsr-3858	29	35	on	on	ADP
fsr-3858	29	36	household	household	NOUN
fsr-3858	29	37	expenditure	expenditure	NOUN
fsr-3858	29	38	functions	function	NOUN
fsr-3858	29	39	,	,	PUNCT
fsr-3858	29	40	and	and	CCONJ
fsr-3858	29	41	comparison	comparison	NOUN
fsr-3858	29	42	of	of	ADP
fsr-3858	29	43	adequacy	adequacy	NOUN
fsr-3858	29	44	based	base	VERB
fsr-3858	29	45	on	on	ADP
fsr-3858	29	46	mean	mean	ADJ
fsr-3858	29	47	and	and	CCONJ
fsr-3858	29	48	pessimistic	pessimistic	ADJ
fsr-3858	29	49	projections	projection	NOUN
fsr-3858	29	50	.	.	PUNCT
fsr-3858	30	1	2	2	X
fsr-3858	30	2	.	.	X
fsr-3858	30	3	review	review	NOUN
fsr-3858	30	4	of	of	ADP
fsr-3858	30	5	the	the	DET
fsr-3858	30	6	literature	literature	NOUN
fsr-3858	30	7	2.1	2.1	NUM
fsr-3858	30	8	.	.	PUNCT
fsr-3858	31	1	related	relate	VERB
fsr-3858	31	2	empirical	empirical	ADJ
fsr-3858	31	3	research	research	NOUN
fsr-3858	31	4	analysis	analysis	NOUN
fsr-3858	31	5	of	of	ADP
fsr-3858	31	6	retirement	retirement	NOUN
fsr-3858	31	7	wealth	wealth	NOUN
fsr-3858	31	8	adequacy	adequacy	NOUN
fsr-3858	31	9	requires	require	VERB
fsr-3858	31	10	information	information	NOUN
fsr-3858	31	11	on	on	ADP
fsr-3858	31	12	the	the	DET
fsr-3858	31	13	resources	resource	NOUN
fsr-3858	31	14	that	that	PRON
fsr-3858	31	15	will	will	AUX
fsr-3858	31	16	be	be	AUX
fsr-3858	31	17	available	available	ADJ
fsr-3858	31	18	in	in	ADP
fsr-3858	31	19	retirement	retirement	NOUN
fsr-3858	31	20	,	,	PUNCT
fsr-3858	31	21	as	as	ADV
fsr-3858	31	22	well	well	ADV
fsr-3858	31	23	as	as	ADP
fsr-3858	31	24	the	the	DET
fsr-3858	31	25	amount	amount	NOUN
fsr-3858	31	26	needed	need	VERB
fsr-3858	31	27	to	to	PART
fsr-3858	31	28	finance	finance	VERB
fsr-3858	31	29	consumption	consumption	NOUN
fsr-3858	31	30	during	during	ADP
fsr-3858	31	31	those	those	DET
fsr-3858	31	32	years	year	NOUN
fsr-3858	31	33	.	.	PUNCT
fsr-3858	32	1	retirement	retirement	NOUN
fsr-3858	32	2	adequacy	adequacy	NOUN
fsr-3858	32	3	can	can	AUX
fsr-3858	32	4	be	be	AUX
fsr-3858	32	5	defined	define	VERB
fsr-3858	32	6	as	as	ADP
fsr-3858	32	7	having	have	VERB
fsr-3858	32	8	resources	resource	NOUN
fsr-3858	32	9	exceed	exceed	VERB
fsr-3858	32	10	the	the	DET
fsr-3858	32	11	amount	amount	NOUN
fsr-3858	32	12	needed	need	VERB
fsr-3858	32	13	to	to	PART
fsr-3858	32	14	finance	finance	VERB
fsr-3858	32	15	desired	desire	VERB
fsr-3858	32	16	retirement	retirement	NOUN
fsr-3858	32	17	consumption	consumption	NOUN
fsr-3858	32	18	.	.	PUNCT
fsr-3858	33	1	a	a	DET
fsr-3858	33	2	“	"	PUNCT
fsr-3858	33	3	retirement	retirement	NOUN
fsr-3858	33	4	gap	gap	NOUN
fsr-3858	33	5	”	"	PUNCT
fsr-3858	33	6	exists	exist	VERB
fsr-3858	33	7	when	when	SCONJ
fsr-3858	33	8	resources	resource	NOUN
fsr-3858	33	9	are	be	AUX
fsr-3858	33	10	less	less	ADJ
fsr-3858	33	11	than	than	ADP
fsr-3858	33	12	the	the	DET
fsr-3858	33	13	amount	amount	NOUN
fsr-3858	33	14	needed	need	VERB
fsr-3858	33	15	.	.	PUNCT
fsr-3858	34	1	duncan	duncan	PROPN
fsr-3858	34	2	et	et	PROPN
fsr-3858	34	3	al	al	PROPN
fsr-3858	34	4	.	.	PROPN
fsr-3858	35	1	(	(	PUNCT
fsr-3858	35	2	1984	1984	NUM
fsr-3858	35	3	)	)	PUNCT
fsr-3858	35	4	use	use	VERB
fsr-3858	35	5	this	this	DET
fsr-3858	35	6	framework	framework	NOUN
fsr-3858	35	7	to	to	PART
fsr-3858	35	8	determine	determine	VERB
fsr-3858	35	9	savings	saving	NOUN
fsr-3858	35	10	goals	goal	NOUN
fsr-3858	35	11	for	for	ADP
fsr-3858	35	12	retirement	retirement	NOUN
fsr-3858	35	13	.	.	PUNCT
fsr-3858	36	1	in	in	ADP
fsr-3858	36	2	order	order	NOUN
fsr-3858	36	3	to	to	PART
fsr-3858	36	4	implement	implement	VERB
fsr-3858	36	5	such	such	DET
fsr-3858	36	6	a	a	DET
fsr-3858	36	7	framework	framework	NOUN
fsr-3858	36	8	,	,	PUNCT
fsr-3858	36	9	it	it	PRON
fsr-3858	36	10	is	be	AUX
fsr-3858	36	11	necessary	necessary	ADJ
fsr-3858	36	12	to	to	PART
fsr-3858	36	13	estimate	estimate	VERB
fsr-3858	36	14	the	the	DET
fsr-3858	36	15	resources	resource	NOUN
fsr-3858	36	16	an	an	DET
fsr-3858	36	17	individual	individual	NOUN
fsr-3858	36	18	will	will	AUX
fsr-3858	36	19	have	have	AUX
fsr-3858	36	20	accumulated	accumulate	VERB
fsr-3858	36	21	at	at	ADP
fsr-3858	36	22	the	the	DET
fsr-3858	36	23	date	date	NOUN
fsr-3858	36	24	of	of	ADP
fsr-3858	36	25	retirement	retirement	NOUN
fsr-3858	36	26	,	,	PUNCT
fsr-3858	36	27	as	as	ADV
fsr-3858	36	28	well	well	ADV
fsr-3858	36	29	as	as	ADP
fsr-3858	36	30	the	the	DET
fsr-3858	36	31	amount	amount	NOUN
fsr-3858	36	32	needed	need	VERB
fsr-3858	36	33	to	to	PART
fsr-3858	36	34	finance	finance	VERB
fsr-3858	36	35	consumption	consumption	NOUN
fsr-3858	36	36	during	during	ADP
fsr-3858	36	37	the	the	DET
fsr-3858	36	38	retirement	retirement	NOUN
fsr-3858	36	39	years	year	NOUN
fsr-3858	36	40	.	.	PUNCT
fsr-3858	37	1	a	a	DET
fsr-3858	37	2	variety	variety	NOUN
fsr-3858	37	3	of	of	ADP
fsr-3858	37	4	techniques	technique	NOUN
fsr-3858	37	5	have	have	AUX
fsr-3858	37	6	been	be	AUX
fsr-3858	37	7	used	use	VERB
fsr-3858	37	8	in	in	ADP
fsr-3858	37	9	previous	previous	ADJ
fsr-3858	37	10	research	research	NOUN
fsr-3858	37	11	to	to	PART
fsr-3858	37	12	estimate	estimate	VERB
fsr-3858	37	13	the	the	DET
fsr-3858	37	14	amount	amount	NOUN
fsr-3858	37	15	needed	need	VERB
fsr-3858	37	16	to	to	PART
fsr-3858	37	17	finance	finance	VERB
fsr-3858	37	18	retirement	retirement	NOUN
fsr-3858	37	19	consumption	consumption	NOUN
fsr-3858	37	20	and	and	CCONJ
fsr-3858	37	21	to	to	PART
fsr-3858	37	22	project	project	VERB
fsr-3858	37	23	the	the	DET
fsr-3858	37	24	resources	resource	NOUN
fsr-3858	37	25	available	available	ADJ
fsr-3858	37	26	for	for	ADP
fsr-3858	37	27	retirement	retirement	NOUN
fsr-3858	37	28	.	.	PUNCT
fsr-3858	38	1	2.1.1	2.1.1	X
fsr-3858	38	2	.	.	X
fsr-3858	38	3	retirement	retirement	NOUN
fsr-3858	38	4	needs	need	VERB
fsr-3858	38	5	estimation	estimation	NOUN
fsr-3858	38	6	of	of	ADP
fsr-3858	38	7	retirement	retirement	NOUN
fsr-3858	38	8	needs	need	NOUN
fsr-3858	38	9	is	be	AUX
fsr-3858	38	10	often	often	ADV
fsr-3858	38	11	based	base	VERB
fsr-3858	38	12	on	on	ADP
fsr-3858	38	13	the	the	DET
fsr-3858	38	14	life	life	NOUN
fsr-3858	38	15	cycle	cycle	NOUN
fsr-3858	38	16	hypothesis	hypothesis	NOUN
fsr-3858	38	17	,	,	PUNCT
fsr-3858	38	18	and	and	CCONJ
fsr-3858	38	19	the	the	DET
fsr-3858	38	20	assumption	assumption	NOUN
fsr-3858	38	21	that	that	SCONJ
fsr-3858	38	22	individuals	individual	NOUN
fsr-3858	38	23	desire	desire	VERB
fsr-3858	38	24	to	to	PART
fsr-3858	38	25	smooth	smooth	VERB
fsr-3858	38	26	the	the	DET
fsr-3858	38	27	level	level	NOUN
fsr-3858	38	28	of	of	ADP
fsr-3858	38	29	consumption	consumption	NOUN
fsr-3858	38	30	over	over	ADP
fsr-3858	38	31	their	their	PRON
fsr-3858	38	32	lifetime	lifetime	NOUN
fsr-3858	38	33	(	(	PUNCT
fsr-3858	38	34	modigliani	modigliani	PROPN
fsr-3858	38	35	and	and	CCONJ
fsr-3858	38	36	brumberg	brumberg	PROPN
fsr-3858	38	37	,	,	PUNCT
fsr-3858	38	38	1954	1954	NUM
fsr-3858	38	39	)	)	PUNCT
fsr-3858	38	40	.	.	PUNCT
fsr-3858	39	1	bernheim	bernheim	PROPN
fsr-3858	39	2	et	et	PROPN
fsr-3858	39	3	al	al	PROPN
fsr-3858	39	4	.	.	PROPN
fsr-3858	40	1	(	(	PUNCT
fsr-3858	40	2	1997	1997	NUM
fsr-3858	40	3	)	)	PUNCT
fsr-3858	40	4	challenge	challenge	VERB
fsr-3858	40	5	the	the	DET
fsr-3858	40	6	validity	validity	NOUN
fsr-3858	40	7	of	of	ADP
fsr-3858	40	8	standard	standard	ADJ
fsr-3858	40	9	176	176	NUM
fsr-3858	40	10	y.	y.	PROPN
fsr-3858	40	11	yuh	yuh	PROPN
fsr-3858	40	12	et	et	PROPN
fsr-3858	40	13	al	al	PROPN
fsr-3858	40	14	.	.	PUNCT
fsr-3858	40	15	/	/	SYM
fsr-3858	40	16	financial	financial	ADJ
fsr-3858	40	17	services	service	NOUN
fsr-3858	40	18	review	review	VERB
fsr-3858	40	19	7	7	NUM
fsr-3858	40	20	(	(	PUNCT
fsr-3858	40	21	1998	1998	NUM
fsr-3858	40	22	)	)	PUNCT
fsr-3858	41	1	175–193	175–193	NUM
fsr-3858	41	2	life	life	NOUN
fsr-3858	41	3	cycle	cycle	NOUN
fsr-3858	41	4	models	model	NOUN
fsr-3858	41	5	to	to	PART
fsr-3858	41	6	explain	explain	VERB
fsr-3858	41	7	actual	actual	ADJ
fsr-3858	41	8	variations	variation	NOUN
fsr-3858	41	9	in	in	ADP
fsr-3858	41	10	saving	saving	NOUN
fsr-3858	41	11	and	and	CCONJ
fsr-3858	41	12	wealth	wealth	NOUN
fsr-3858	41	13	.	.	PUNCT
fsr-3858	42	1	the	the	DET
fsr-3858	42	2	most	most	ADV
fsr-3858	42	3	commonly	commonly	ADV
fsr-3858	42	4	used	use	VERB
fsr-3858	42	5	method	method	NOUN
fsr-3858	42	6	to	to	PART
fsr-3858	42	7	estimate	estimate	VERB
fsr-3858	42	8	the	the	DET
fsr-3858	42	9	level	level	NOUN
fsr-3858	42	10	of	of	ADP
fsr-3858	42	11	retirement	retirement	NOUN
fsr-3858	42	12	need	need	NOUN
fsr-3858	42	13	is	be	AUX
fsr-3858	42	14	to	to	PART
fsr-3858	42	15	specify	specify	VERB
fsr-3858	42	16	the	the	DET
fsr-3858	42	17	percentage	percentage	NOUN
fsr-3858	42	18	of	of	ADP
fsr-3858	42	19	preretirement	preretirement	ADJ
fsr-3858	42	20	income	income	NOUN
fsr-3858	42	21	that	that	PRON
fsr-3858	42	22	represents	represent	VERB
fsr-3858	42	23	the	the	DET
fsr-3858	42	24	desired	desire	VERB
fsr-3858	42	25	consumption	consumption	NOUN
fsr-3858	42	26	level	level	NOUN
fsr-3858	42	27	in	in	ADP
fsr-3858	42	28	retirement	retirement	NOUN
fsr-3858	42	29	.	.	PUNCT
fsr-3858	43	1	this	this	DET
fsr-3858	43	2	percentage	percentage	NOUN
fsr-3858	43	3	is	be	AUX
fsr-3858	43	4	commonly	commonly	ADV
fsr-3858	43	5	referred	refer	VERB
fsr-3858	43	6	to	to	ADP
fsr-3858	43	7	as	as	ADP
fsr-3858	43	8	the	the	DET
fsr-3858	43	9	“	"	PUNCT
fsr-3858	43	10	replacement	replacement	NOUN
fsr-3858	43	11	rate	rate	NOUN
fsr-3858	43	12	.	.	PUNCT
fsr-3858	43	13	”	"	PUNCT
fsr-3858	44	1	duncan	duncan	PROPN
fsr-3858	44	2	et	et	PROPN
fsr-3858	44	3	al	al	PROPN
fsr-3858	44	4	.	.	PROPN
fsr-3858	45	1	(	(	PUNCT
fsr-3858	45	2	1984	1984	NUM
fsr-3858	45	3	)	)	PUNCT
fsr-3858	45	4	set	set	VERB
fsr-3858	45	5	the	the	DET
fsr-3858	45	6	replacement	replacement	NOUN
fsr-3858	45	7	rate	rate	NOUN
fsr-3858	45	8	equal	equal	ADJ
fsr-3858	45	9	to	to	ADP
fsr-3858	45	10	100	100	NUM
fsr-3858	45	11	%	%	NOUN
fsr-3858	45	12	in	in	ADP
fsr-3858	45	13	their	their	PRON
fsr-3858	45	14	standard	standard	ADJ
fsr-3858	45	15	model	model	NOUN
fsr-3858	45	16	,	,	PUNCT
fsr-3858	45	17	but	but	CCONJ
fsr-3858	45	18	use	use	VERB
fsr-3858	45	19	rates	rate	NOUN
fsr-3858	45	20	in	in	ADP
fsr-3858	45	21	the	the	DET
fsr-3858	45	22	range	range	NOUN
fsr-3858	45	23	of	of	ADP
fsr-3858	45	24	70	70	NUM
fsr-3858	45	25	%	%	NOUN
fsr-3858	45	26	to	to	PART
fsr-3858	45	27	90	90	NUM
fsr-3858	45	28	%	%	NOUN
fsr-3858	45	29	in	in	ADP
fsr-3858	45	30	their	their	PRON
fsr-3858	45	31	calculation	calculation	NOUN
fsr-3858	45	32	of	of	ADP
fsr-3858	45	33	hypothetical	hypothetical	ADJ
fsr-3858	45	34	cases	case	NOUN
fsr-3858	45	35	.	.	PUNCT
fsr-3858	46	1	other	other	ADJ
fsr-3858	46	2	researchers	researcher	NOUN
fsr-3858	46	3	adopt	adopt	VERB
fsr-3858	46	4	similar	similar	ADJ
fsr-3858	46	5	replacement	replacement	NOUN
fsr-3858	46	6	rates	rate	NOUN
fsr-3858	46	7	in	in	ADP
fsr-3858	46	8	empirical	empirical	ADJ
fsr-3858	46	9	research	research	NOUN
fsr-3858	46	10	(	(	PUNCT
fsr-3858	46	11	burns	burn	NOUN
fsr-3858	46	12	and	and	CCONJ
fsr-3858	46	13	widdows	widdow	NOUN
fsr-3858	46	14	,	,	PUNCT
fsr-3858	46	15	1988	1988	NUM
fsr-3858	46	16	,	,	PUNCT
fsr-3858	46	17	1990	1990	NUM
fsr-3858	46	18	;	;	PUNCT
fsr-3858	46	19	mitchell	mitchell	PROPN
fsr-3858	46	20	and	and	CCONJ
fsr-3858	46	21	moore	moore	PROPN
fsr-3858	46	22	,	,	PUNCT
fsr-3858	46	23	1997	1997	NUM
fsr-3858	46	24	)	)	PUNCT
fsr-3858	46	25	.	.	PUNCT
fsr-3858	47	1	palmer	palmer	NOUN
fsr-3858	47	2	(	(	PUNCT
fsr-3858	47	3	1989	1989	NUM
fsr-3858	47	4	,	,	PUNCT
fsr-3858	47	5	1994	1994	NUM
fsr-3858	47	6	)	)	PUNCT
fsr-3858	47	7	calculates	calculate	VERB
fsr-3858	47	8	replacement	replacement	NOUN
fsr-3858	47	9	rates	rate	NOUN
fsr-3858	47	10	based	base	VERB
fsr-3858	47	11	on	on	ADP
fsr-3858	47	12	data	datum	NOUN
fsr-3858	47	13	from	from	ADP
fsr-3858	47	14	the	the	DET
fsr-3858	47	15	consumer	consumer	NOUN
fsr-3858	47	16	expenditure	expenditure	NOUN
fsr-3858	47	17	survey	survey	NOUN
fsr-3858	47	18	.	.	PUNCT
fsr-3858	48	1	these	these	DET
fsr-3858	48	2	replacement	replacement	NOUN
fsr-3858	48	3	rates	rate	NOUN
fsr-3858	48	4	(	(	PUNCT
fsr-3858	48	5	based	base	VERB
fsr-3858	48	6	on	on	ADP
fsr-3858	48	7	gross	gross	ADJ
fsr-3858	48	8	income	income	NOUN
fsr-3858	48	9	)	)	PUNCT
fsr-3858	48	10	range	range	NOUN
fsr-3858	48	11	from	from	ADP
fsr-3858	48	12	65	65	NUM
fsr-3858	48	13	%	%	NOUN
fsr-3858	48	14	to	to	PART
fsr-3858	48	15	85	85	NUM
fsr-3858	48	16	%	%	NOUN
fsr-3858	48	17	,	,	PUNCT
fsr-3858	48	18	vary	vary	VERB
fsr-3858	48	19	with	with	ADP
fsr-3858	48	20	marital	marital	ADJ
fsr-3858	48	21	and	and	CCONJ
fsr-3858	48	22	employment	employment	NOUN
fsr-3858	48	23	status	status	NOUN
fsr-3858	48	24	,	,	PUNCT
fsr-3858	48	25	and	and	CCONJ
fsr-3858	48	26	generally	generally	ADV
fsr-3858	48	27	decline	decline	VERB
fsr-3858	48	28	with	with	ADP
fsr-3858	48	29	income	income	NOUN
fsr-3858	48	30	.	.	PUNCT
fsr-3858	49	1	palmer	palmer	PROPN
fsr-3858	49	2	’s	’s	PART
fsr-3858	49	3	replacement	replacement	NOUN
fsr-3858	49	4	rates	rate	NOUN
fsr-3858	49	5	are	be	AUX
fsr-3858	49	6	used	use	VERB
fsr-3858	49	7	by	by	ADP
fsr-3858	49	8	other	other	ADJ
fsr-3858	49	9	researchers	researcher	NOUN
fsr-3858	49	10	to	to	PART
fsr-3858	49	11	estimate	estimate	VERB
fsr-3858	49	12	retirement	retirement	NOUN
fsr-3858	49	13	needs	need	NOUN
fsr-3858	49	14	(	(	PUNCT
fsr-3858	49	15	li	li	PROPN
fsr-3858	49	16	et	et	PROPN
fsr-3858	49	17	al	al	PROPN
fsr-3858	49	18	.	.	PROPN
fsr-3858	49	19	,	,	PUNCT
fsr-3858	49	20	1996	1996	NUM
fsr-3858	49	21	)	)	PUNCT
fsr-3858	49	22	.	.	PUNCT
fsr-3858	50	1	approaches	approach	VERB
fsr-3858	50	2	other	other	ADJ
fsr-3858	50	3	than	than	SCONJ
fsr-3858	50	4	the	the	DET
fsr-3858	50	5	replacement	replacement	NOUN
fsr-3858	50	6	rate	rate	NOUN
fsr-3858	50	7	are	be	AUX
fsr-3858	50	8	used	use	VERB
fsr-3858	50	9	to	to	PART
fsr-3858	50	10	estimate	estimate	VERB
fsr-3858	50	11	retirement	retirement	NOUN
fsr-3858	50	12	needs	need	NOUN
fsr-3858	50	13	.	.	PUNCT
fsr-3858	51	1	moore	moore	PROPN
fsr-3858	51	2	and	and	CCONJ
fsr-3858	51	3	mitchell	mitchell	PROPN
fsr-3858	51	4	(	(	PUNCT
fsr-3858	51	5	1997	1997	NUM
fsr-3858	51	6	)	)	PUNCT
fsr-3858	51	7	jointly	jointly	ADV
fsr-3858	51	8	estimate	estimate	VERB
fsr-3858	51	9	replacement	replacement	NOUN
fsr-3858	51	10	rates	rate	NOUN
fsr-3858	51	11	and	and	CCONJ
fsr-3858	51	12	savings	saving	NOUN
fsr-3858	51	13	rates	rate	NOUN
fsr-3858	51	14	given	give	VERB
fsr-3858	51	15	current	current	ADJ
fsr-3858	51	16	earnings	earning	NOUN
fsr-3858	51	17	and	and	CCONJ
fsr-3858	51	18	projected	project	VERB
fsr-3858	51	19	assets	asset	NOUN
fsr-3858	51	20	.	.	PUNCT
fsr-3858	52	1	yuh	yuh	PROPN
fsr-3858	52	2	et	et	PROPN
fsr-3858	52	3	al	al	PROPN
fsr-3858	52	4	.	.	PROPN
fsr-3858	53	1	(	(	PUNCT
fsr-3858	53	2	1998	1998	NUM
fsr-3858	53	3	)	)	PUNCT
fsr-3858	53	4	use	use	VERB
fsr-3858	53	5	the	the	DET
fsr-3858	53	6	household	household	NOUN
fsr-3858	53	7	’s	’s	PART
fsr-3858	53	8	level	level	NOUN
fsr-3858	53	9	of	of	ADP
fsr-3858	53	10	preretirement	preretirement	ADJ
fsr-3858	53	11	consumption	consumption	NOUN
fsr-3858	53	12	as	as	ADP
fsr-3858	53	13	a	a	DET
fsr-3858	53	14	proxy	proxy	NOUN
fsr-3858	53	15	for	for	ADP
fsr-3858	53	16	the	the	DET
fsr-3858	53	17	household	household	NOUN
fsr-3858	53	18	’s	’s	PART
fsr-3858	53	19	desired	desire	VERB
fsr-3858	53	20	level	level	NOUN
fsr-3858	53	21	of	of	ADP
fsr-3858	53	22	retirement	retirement	NOUN
fsr-3858	53	23	consumption	consumption	NOUN
fsr-3858	53	24	.	.	PUNCT
fsr-3858	54	1	2.1.2	2.1.2	X
fsr-3858	54	2	.	.	X
fsr-3858	54	3	retirement	retirement	NOUN
fsr-3858	54	4	wealth	wealth	NOUN
fsr-3858	54	5	in	in	ADP
fsr-3858	54	6	order	order	NOUN
fsr-3858	54	7	to	to	PART
fsr-3858	54	8	estimate	estimate	VERB
fsr-3858	54	9	the	the	DET
fsr-3858	54	10	level	level	NOUN
fsr-3858	54	11	of	of	ADP
fsr-3858	54	12	retirement	retirement	NOUN
fsr-3858	54	13	wealth	wealth	NOUN
fsr-3858	54	14	,	,	PUNCT
fsr-3858	54	15	it	it	PRON
fsr-3858	54	16	is	be	AUX
fsr-3858	54	17	necessary	necessary	ADJ
fsr-3858	54	18	to	to	PART
fsr-3858	54	19	determine	determine	VERB
fsr-3858	54	20	which	which	PRON
fsr-3858	54	21	resources	resource	NOUN
fsr-3858	54	22	will	will	AUX
fsr-3858	54	23	be	be	AUX
fsr-3858	54	24	available	available	ADJ
fsr-3858	54	25	for	for	ADP
fsr-3858	54	26	retirement	retirement	NOUN
fsr-3858	54	27	,	,	PUNCT
fsr-3858	54	28	as	as	ADV
fsr-3858	54	29	well	well	ADV
fsr-3858	54	30	as	as	ADP
fsr-3858	54	31	to	to	PART
fsr-3858	54	32	determine	determine	VERB
fsr-3858	54	33	the	the	DET
fsr-3858	54	34	value	value	NOUN
fsr-3858	54	35	of	of	ADP
fsr-3858	54	36	the	the	DET
fsr-3858	54	37	accumulated	accumulate	VERB
fsr-3858	54	38	resources	resource	NOUN
fsr-3858	54	39	at	at	ADP
fsr-3858	54	40	the	the	DET
fsr-3858	54	41	point	point	NOUN
fsr-3858	54	42	of	of	ADP
fsr-3858	54	43	retirement	retirement	NOUN
fsr-3858	54	44	.	.	PUNCT
fsr-3858	55	1	empirical	empirical	ADJ
fsr-3858	55	2	measures	measure	NOUN
fsr-3858	55	3	of	of	ADP
fsr-3858	55	4	retirement	retirement	NOUN
fsr-3858	55	5	wealth	wealth	NOUN
fsr-3858	55	6	commonly	commonly	ADV
fsr-3858	55	7	include	include	VERB
fsr-3858	55	8	the	the	DET
fsr-3858	55	9	value	value	NOUN
fsr-3858	55	10	of	of	ADP
fsr-3858	55	11	financial	financial	ADJ
fsr-3858	55	12	assets	asset	NOUN
fsr-3858	55	13	,	,	PUNCT
fsr-3858	55	14	but	but	CCONJ
fsr-3858	55	15	the	the	DET
fsr-3858	55	16	treatment	treatment	NOUN
fsr-3858	55	17	of	of	ADP
fsr-3858	55	18	nonfinancial	nonfinancial	ADJ
fsr-3858	55	19	assets	asset	NOUN
fsr-3858	55	20	,	,	PUNCT
fsr-3858	55	21	particularly	particularly	ADV
fsr-3858	55	22	the	the	DET
fsr-3858	55	23	value	value	NOUN
fsr-3858	55	24	of	of	ADP
fsr-3858	55	25	home	home	NOUN
fsr-3858	55	26	equity	equity	NOUN
fsr-3858	55	27	,	,	PUNCT
fsr-3858	55	28	varies	vary	VERB
fsr-3858	55	29	.	.	PUNCT
fsr-3858	56	1	duncan	duncan	PROPN
fsr-3858	56	2	et	et	PROPN
fsr-3858	56	3	al	al	PROPN
fsr-3858	56	4	.	.	PROPN
fsr-3858	57	1	(	(	PUNCT
fsr-3858	57	2	1984	1984	NUM
fsr-3858	57	3	)	)	PUNCT
fsr-3858	57	4	define	define	VERB
fsr-3858	57	5	retirement	retirement	NOUN
fsr-3858	57	6	income	income	NOUN
fsr-3858	57	7	to	to	PART
fsr-3858	57	8	include	include	VERB
fsr-3858	57	9	social	social	ADJ
fsr-3858	57	10	security	security	NOUN
fsr-3858	57	11	,	,	PUNCT
fsr-3858	57	12	private	private	ADJ
fsr-3858	57	13	pensions	pension	NOUN
fsr-3858	57	14	,	,	PUNCT
fsr-3858	57	15	house	house	PROPN
fsr-3858	57	16	equity	equity	NOUN
fsr-3858	57	17	at	at	ADP
fsr-3858	57	18	retirement	retirement	NOUN
fsr-3858	57	19	,	,	PUNCT
fsr-3858	57	20	and	and	CCONJ
fsr-3858	57	21	other	other	ADJ
fsr-3858	57	22	assets	asset	NOUN
fsr-3858	57	23	not	not	PART
fsr-3858	57	24	earmarked	earmark	VERB
fsr-3858	57	25	for	for	ADP
fsr-3858	57	26	other	other	ADJ
fsr-3858	57	27	purposes	purpose	NOUN
fsr-3858	57	28	(	(	PUNCT
fsr-3858	57	29	such	such	ADJ
fsr-3858	57	30	as	as	ADP
fsr-3858	57	31	children	child	NOUN
fsr-3858	57	32	’s	’s	PART
fsr-3858	57	33	education	education	NOUN
fsr-3858	57	34	)	)	PUNCT
fsr-3858	57	35	.	.	PUNCT
fsr-3858	58	1	burns	burn	NOUN
fsr-3858	58	2	and	and	CCONJ
fsr-3858	58	3	widdows	widdow	NOUN
fsr-3858	58	4	(	(	PUNCT
fsr-3858	58	5	1988	1988	NUM
fsr-3858	58	6	)	)	PUNCT
fsr-3858	58	7	,	,	PUNCT
fsr-3858	58	8	li	li	PROPN
fsr-3858	58	9	et	et	PROPN
fsr-3858	58	10	al	al	PROPN
fsr-3858	58	11	.	.	PROPN
fsr-3858	58	12	(	(	PUNCT
fsr-3858	58	13	1996	1996	NUM
fsr-3858	58	14	)	)	PUNCT
fsr-3858	58	15	,	,	PUNCT
fsr-3858	58	16	moore	moore	PROPN
fsr-3858	58	17	and	and	CCONJ
fsr-3858	58	18	mitchell	mitchell	PROPN
fsr-3858	58	19	(	(	PUNCT
fsr-3858	58	20	1997	1997	NUM
fsr-3858	58	21	)	)	PUNCT
fsr-3858	58	22	,	,	PUNCT
fsr-3858	58	23	and	and	CCONJ
fsr-3858	58	24	yuh	yuh	PROPN
fsr-3858	58	25	et	et	PROPN
fsr-3858	58	26	al	al	PROPN
fsr-3858	58	27	.	.	PROPN
fsr-3858	59	1	(	(	PUNCT
fsr-3858	59	2	1998	1998	NUM
fsr-3858	59	3	)	)	PUNCT
fsr-3858	59	4	use	use	VERB
fsr-3858	59	5	similar	similar	ADJ
fsr-3858	59	6	definitions	definition	NOUN
fsr-3858	59	7	of	of	ADP
fsr-3858	59	8	retirement	retirement	NOUN
fsr-3858	59	9	income	income	NOUN
fsr-3858	59	10	that	that	PRON
fsr-3858	59	11	include	include	VERB
fsr-3858	59	12	the	the	DET
fsr-3858	59	13	value	value	NOUN
fsr-3858	59	14	of	of	ADP
fsr-3858	59	15	home	home	NOUN
fsr-3858	59	16	equity	equity	NOUN
fsr-3858	59	17	.	.	PUNCT
fsr-3858	60	1	burns	burn	NOUN
fsr-3858	60	2	and	and	CCONJ
fsr-3858	60	3	widdows	widdow	NOUN
fsr-3858	60	4	(	(	PUNCT
fsr-3858	60	5	1990	1990	NUM
fsr-3858	60	6	)	)	PUNCT
fsr-3858	60	7	examine	examine	VERB
fsr-3858	60	8	the	the	DET
fsr-3858	60	9	sensitivity	sensitivity	NOUN
fsr-3858	60	10	of	of	ADP
fsr-3858	60	11	retirement	retirement	NOUN
fsr-3858	60	12	savings	saving	NOUN
fsr-3858	60	13	rates	rate	NOUN
fsr-3858	60	14	to	to	ADP
fsr-3858	60	15	the	the	DET
fsr-3858	60	16	treatment	treatment	NOUN
fsr-3858	60	17	of	of	ADP
fsr-3858	60	18	home	home	NOUN
fsr-3858	60	19	equity	equity	NOUN
fsr-3858	60	20	.	.	PUNCT
fsr-3858	61	1	bernheim	bernheim	PROPN
fsr-3858	61	2	(	(	PUNCT
fsr-3858	61	3	1996	1996	NUM
fsr-3858	61	4	)	)	PUNCT
fsr-3858	61	5	excludes	exclude	VERB
fsr-3858	61	6	home	home	NOUN
fsr-3858	61	7	equity	equity	NOUN
fsr-3858	61	8	from	from	ADP
fsr-3858	61	9	the	the	DET
fsr-3858	61	10	calculation	calculation	NOUN
fsr-3858	61	11	of	of	ADP
fsr-3858	61	12	assets	asset	NOUN
fsr-3858	61	13	available	available	ADJ
fsr-3858	61	14	to	to	PART
fsr-3858	61	15	finance	finance	VERB
fsr-3858	61	16	consumption	consumption	NOUN
fsr-3858	61	17	during	during	ADP
fsr-3858	61	18	retirement	retirement	NOUN
fsr-3858	61	19	.	.	PUNCT
fsr-3858	62	1	home	home	NOUN
fsr-3858	62	2	equity	equity	NOUN
fsr-3858	62	3	accounts	account	NOUN
fsr-3858	62	4	for	for	ADP
fsr-3858	62	5	the	the	DET
fsr-3858	62	6	largest	large	ADJ
fsr-3858	62	7	share	share	NOUN
fsr-3858	62	8	of	of	ADP
fsr-3858	62	9	total	total	ADJ
fsr-3858	62	10	household	household	NOUN
fsr-3858	62	11	wealth	wealth	NOUN
fsr-3858	62	12	in	in	ADP
fsr-3858	62	13	the	the	DET
fsr-3858	62	14	united	united	PROPN
fsr-3858	62	15	states	states	PROPN
fsr-3858	62	16	.	.	PUNCT
fsr-3858	63	1	it	it	PRON
fsr-3858	63	2	can	can	AUX
fsr-3858	63	3	be	be	AUX
fsr-3858	63	4	converted	convert	VERB
fsr-3858	63	5	to	to	ADP
fsr-3858	63	6	a	a	DET
fsr-3858	63	7	more	more	ADV
fsr-3858	63	8	liquid	liquid	ADJ
fsr-3858	63	9	form	form	NOUN
fsr-3858	63	10	by	by	ADP
fsr-3858	63	11	selling	sell	VERB
fsr-3858	63	12	the	the	DET
fsr-3858	63	13	house	house	NOUN
fsr-3858	63	14	or	or	CCONJ
fsr-3858	63	15	using	use	VERB
fsr-3858	63	16	debt	debt	NOUN
fsr-3858	63	17	instruments	instrument	NOUN
fsr-3858	63	18	such	such	ADJ
fsr-3858	63	19	as	as	ADP
fsr-3858	63	20	second	second	ADJ
fsr-3858	63	21	mortgages	mortgage	NOUN
fsr-3858	63	22	,	,	PUNCT
fsr-3858	63	23	home	home	NOUN
fsr-3858	63	24	equity	equity	NOUN
fsr-3858	63	25	loans	loan	NOUN
fsr-3858	63	26	,	,	PUNCT
fsr-3858	63	27	and	and	CCONJ
fsr-3858	63	28	reverse	reverse	VERB
fsr-3858	63	29	mortgages	mortgage	NOUN
fsr-3858	63	30	.	.	PUNCT
fsr-3858	64	1	while	while	SCONJ
fsr-3858	64	2	most	most	ADJ
fsr-3858	64	3	people	people	NOUN
fsr-3858	64	4	do	do	AUX
fsr-3858	64	5	not	not	PART
fsr-3858	64	6	sell	sell	VERB
fsr-3858	64	7	their	their	PRON
fsr-3858	64	8	homes	home	NOUN
fsr-3858	64	9	in	in	ADP
fsr-3858	64	10	retirement	retirement	NOUN
fsr-3858	64	11	or	or	CCONJ
fsr-3858	64	12	use	use	VERB
fsr-3858	64	13	reverse	reverse	ADJ
fsr-3858	64	14	mortgages	mortgage	NOUN
fsr-3858	64	15	to	to	PART
fsr-3858	64	16	finance	finance	VERB
fsr-3858	64	17	retirement	retirement	NOUN
fsr-3858	64	18	consumption	consumption	NOUN
fsr-3858	64	19	,	,	PUNCT
fsr-3858	64	20	home	home	NOUN
fsr-3858	64	21	equity	equity	NOUN
fsr-3858	64	22	represents	represent	VERB
fsr-3858	64	23	an	an	DET
fsr-3858	64	24	important	important	ADJ
fsr-3858	64	25	potential	potential	ADJ
fsr-3858	64	26	resource	resource	NOUN
fsr-3858	64	27	.	.	PUNCT
fsr-3858	65	1	furthermore	furthermore	ADV
fsr-3858	65	2	,	,	PUNCT
fsr-3858	65	3	a	a	DET
fsr-3858	65	4	homeowner	homeowner	NOUN
fsr-3858	65	5	will	will	AUX
fsr-3858	65	6	be	be	AUX
fsr-3858	65	7	better	well	ADJ
fsr-3858	65	8	off	off	ADP
fsr-3858	65	9	in	in	ADP
fsr-3858	65	10	retirement	retirement	NOUN
fsr-3858	65	11	than	than	ADP
fsr-3858	65	12	an	an	DET
fsr-3858	65	13	otherwise	otherwise	ADV
fsr-3858	65	14	similar	similar	ADJ
fsr-3858	65	15	renter	renter	NOUN
fsr-3858	65	16	,	,	PUNCT
fsr-3858	65	17	so	so	ADV
fsr-3858	65	18	inclusion	inclusion	NOUN
fsr-3858	65	19	of	of	ADP
fsr-3858	65	20	home	home	NOUN
fsr-3858	65	21	equity	equity	NOUN
fsr-3858	65	22	results	result	NOUN
fsr-3858	65	23	in	in	ADP
fsr-3858	65	24	more	more	ADV
fsr-3858	65	25	valid	valid	ADJ
fsr-3858	65	26	comparisons	comparison	NOUN
fsr-3858	65	27	between	between	ADP
fsr-3858	65	28	owners	owner	NOUN
fsr-3858	65	29	and	and	CCONJ
fsr-3858	65	30	renters	renter	NOUN
fsr-3858	65	31	.	.	PUNCT
fsr-3858	66	1	using	use	VERB
fsr-3858	66	2	a	a	DET
fsr-3858	66	3	comprehensive	comprehensive	ADJ
fsr-3858	66	4	measure	measure	NOUN
fsr-3858	66	5	of	of	ADP
fsr-3858	66	6	asset	asset	NOUN
fsr-3858	66	7	availability	availability	NOUN
fsr-3858	66	8	is	be	AUX
fsr-3858	66	9	particularly	particularly	ADV
fsr-3858	66	10	important	important	ADJ
fsr-3858	66	11	when	when	SCONJ
fsr-3858	66	12	evaluating	evaluate	VERB
fsr-3858	66	13	the	the	DET
fsr-3858	66	14	resources	resource	NOUN
fsr-3858	66	15	that	that	PRON
fsr-3858	66	16	could	could	AUX
fsr-3858	66	17	be	be	AUX
fsr-3858	66	18	used	use	VERB
fsr-3858	66	19	to	to	PART
fsr-3858	66	20	finance	finance	VERB
fsr-3858	66	21	expenditures	expenditure	NOUN
fsr-3858	66	22	during	during	ADP
fsr-3858	66	23	retirement	retirement	NOUN
fsr-3858	66	24	,	,	PUNCT
fsr-3858	66	25	including	include	VERB
fsr-3858	66	26	costs	cost	NOUN
fsr-3858	66	27	of	of	ADP
fsr-3858	66	28	long	long	ADJ
fsr-3858	66	29	-	-	PUNCT
fsr-3858	66	30	term	term	NOUN
fsr-3858	66	31	care	care	NOUN
fsr-3858	66	32	(	(	PUNCT
fsr-3858	66	33	mitchell	mitchell	NOUN
fsr-3858	66	34	and	and	CCONJ
fsr-3858	66	35	moore	moore	PROPN
fsr-3858	66	36	,	,	PUNCT
fsr-3858	66	37	1997	1997	NUM
fsr-3858	66	38	;	;	PUNCT
fsr-3858	66	39	andrews	andrews	PROPN
fsr-3858	66	40	,	,	PUNCT
fsr-3858	66	41	1993	1993	NUM
fsr-3858	66	42	)	)	PUNCT
fsr-3858	66	43	.	.	PUNCT
fsr-3858	67	1	once	once	SCONJ
fsr-3858	67	2	the	the	DET
fsr-3858	67	3	components	component	NOUN
fsr-3858	67	4	of	of	ADP
fsr-3858	67	5	retirement	retirement	NOUN
fsr-3858	67	6	wealth	wealth	NOUN
fsr-3858	67	7	are	be	AUX
fsr-3858	67	8	defined	define	VERB
fsr-3858	67	9	,	,	PUNCT
fsr-3858	67	10	it	it	PRON
fsr-3858	67	11	is	be	AUX
fsr-3858	67	12	necessary	necessary	ADJ
fsr-3858	67	13	to	to	PART
fsr-3858	67	14	determine	determine	VERB
fsr-3858	67	15	the	the	DET
fsr-3858	67	16	value	value	NOUN
fsr-3858	67	17	of	of	ADP
fsr-3858	67	18	the	the	DET
fsr-3858	67	19	accumulated	accumulate	VERB
fsr-3858	67	20	resources	resource	NOUN
fsr-3858	67	21	at	at	ADP
fsr-3858	67	22	the	the	DET
fsr-3858	67	23	point	point	NOUN
fsr-3858	67	24	of	of	ADP
fsr-3858	67	25	retirement	retirement	NOUN
fsr-3858	67	26	.	.	PUNCT
fsr-3858	68	1	li	li	PROPN
fsr-3858	68	2	et	et	PROPN
fsr-3858	68	3	al	al	PROPN
fsr-3858	68	4	.	.	PROPN
fsr-3858	68	5	(	(	PUNCT
fsr-3858	68	6	1996	1996	NUM
fsr-3858	68	7	)	)	PUNCT
fsr-3858	68	8	use	use	VERB
fsr-3858	68	9	panel	panel	NOUN
fsr-3858	68	10	data	datum	NOUN
fsr-3858	68	11	containing	contain	VERB
fsr-3858	68	12	information	information	NOUN
fsr-3858	68	13	on	on	ADP
fsr-3858	68	14	households	household	NOUN
fsr-3858	68	15	at	at	ADP
fsr-3858	68	16	the	the	DET
fsr-3858	68	17	point	point	NOUN
fsr-3858	68	18	of	of	ADP
fsr-3858	68	19	planned	planned	ADJ
fsr-3858	68	20	retirement	retirement	NOUN
fsr-3858	68	21	.	.	PUNCT
fsr-3858	69	1	retirement	retirement	NOUN
fsr-3858	69	2	wealth	wealth	NOUN
fsr-3858	69	3	is	be	AUX
fsr-3858	69	4	calculated	calculate	VERB
fsr-3858	69	5	as	as	ADP
fsr-3858	69	6	the	the	DET
fsr-3858	69	7	household	household	NOUN
fsr-3858	69	8	’s	’s	PART
fsr-3858	69	9	net	net	ADJ
fsr-3858	69	10	worth	worth	NOUN
fsr-3858	69	11	at	at	ADP
fsr-3858	69	12	the	the	DET
fsr-3858	69	13	point	point	NOUN
fsr-3858	69	14	of	of	ADP
fsr-3858	69	15	planned	plan	VERB
fsr-3858	69	16	retirement	retirement	NOUN
fsr-3858	69	17	plus	plus	CCONJ
fsr-3858	69	18	the	the	DET
fsr-3858	69	19	present	present	ADJ
fsr-3858	69	20	value	value	NOUN
fsr-3858	69	21	of	of	ADP
fsr-3858	69	22	income	income	NOUN
fsr-3858	69	23	streams	stream	NOUN
fsr-3858	69	24	from	from	ADP
fsr-3858	69	25	social	social	ADJ
fsr-3858	69	26	security	security	NOUN
fsr-3858	69	27	and	and	CCONJ
fsr-3858	69	28	other	other	ADJ
fsr-3858	69	29	pension	pension	NOUN
fsr-3858	69	30	plans	plan	NOUN
fsr-3858	69	31	.	.	PUNCT
fsr-3858	70	1	much	much	ADJ
fsr-3858	70	2	research	research	NOUN
fsr-3858	70	3	177y	177y	NOUN
fsr-3858	70	4	.	.	PUNCT
fsr-3858	71	1	yuh	yuh	PROPN
fsr-3858	71	2	et	et	PROPN
fsr-3858	71	3	al	al	PROPN
fsr-3858	71	4	.	.	PUNCT
fsr-3858	71	5	/	/	SYM
fsr-3858	71	6	financial	financial	ADJ
fsr-3858	71	7	services	service	NOUN
fsr-3858	71	8	review	review	VERB
fsr-3858	71	9	7	7	NUM
fsr-3858	71	10	(	(	PUNCT
fsr-3858	71	11	1998	1998	NUM
fsr-3858	71	12	)	)	PUNCT
fsr-3858	72	1	175–193	175–193	NUM
fsr-3858	72	2	focuses	focus	VERB
fsr-3858	72	3	on	on	ADP
fsr-3858	72	4	determining	determine	VERB
fsr-3858	72	5	the	the	DET
fsr-3858	72	6	“	"	PUNCT
fsr-3858	72	7	future	future	ADJ
fsr-3858	72	8	”	"	PUNCT
fsr-3858	72	9	retirement	retirement	NOUN
fsr-3858	72	10	wealth	wealth	NOUN
fsr-3858	72	11	adequacy	adequacy	NOUN
fsr-3858	72	12	of	of	ADP
fsr-3858	72	13	currently	currently	ADV
fsr-3858	72	14	pre	pre	ADJ
fsr-3858	72	15	-	-	ADJ
fsr-3858	72	16	retired	retired	ADJ
fsr-3858	72	17	households	household	NOUN
fsr-3858	72	18	,	,	PUNCT
fsr-3858	72	19	particularly	particularly	ADV
fsr-3858	72	20	baby	baby	NOUN
fsr-3858	72	21	boomers	boomer	NOUN
fsr-3858	72	22	.	.	PUNCT
fsr-3858	73	1	for	for	ADP
fsr-3858	73	2	pre	pre	ADJ
fsr-3858	73	3	-	-	ADJ
fsr-3858	73	4	retired	retired	ADJ
fsr-3858	73	5	households	household	NOUN
fsr-3858	73	6	,	,	PUNCT
fsr-3858	73	7	wealth	wealth	NOUN
fsr-3858	73	8	at	at	ADP
fsr-3858	73	9	the	the	DET
fsr-3858	73	10	point	point	NOUN
fsr-3858	73	11	of	of	ADP
fsr-3858	73	12	retirement	retirement	NOUN
fsr-3858	73	13	in	in	ADP
fsr-3858	73	14	the	the	DET
fsr-3858	73	15	future	future	NOUN
fsr-3858	73	16	must	must	AUX
fsr-3858	73	17	be	be	AUX
fsr-3858	73	18	projected	project	VERB
fsr-3858	73	19	,	,	PUNCT
fsr-3858	73	20	and	and	CCONJ
fsr-3858	73	21	therefore	therefore	ADV
fsr-3858	73	22	information	information	NOUN
fsr-3858	73	23	is	be	AUX
fsr-3858	73	24	needed	need	VERB
fsr-3858	73	25	on	on	ADP
fsr-3858	73	26	the	the	DET
fsr-3858	73	27	future	future	ADJ
fsr-3858	73	28	rates	rate	NOUN
fsr-3858	73	29	of	of	ADP
fsr-3858	73	30	return	return	NOUN
fsr-3858	73	31	,	,	PUNCT
fsr-3858	73	32	or	or	CCONJ
fsr-3858	73	33	growth	growth	NOUN
fsr-3858	73	34	rates	rate	NOUN
fsr-3858	73	35	,	,	PUNCT
fsr-3858	73	36	for	for	ADP
fsr-3858	73	37	assets	asset	NOUN
fsr-3858	73	38	.	.	PUNCT
fsr-3858	74	1	various	various	ADJ
fsr-3858	74	2	approaches	approach	NOUN
fsr-3858	74	3	have	have	AUX
fsr-3858	74	4	been	be	AUX
fsr-3858	74	5	used	use	VERB
fsr-3858	74	6	to	to	PART
fsr-3858	74	7	project	project	VERB
fsr-3858	74	8	the	the	DET
fsr-3858	74	9	value	value	NOUN
fsr-3858	74	10	of	of	ADP
fsr-3858	74	11	retirement	retirement	NOUN
fsr-3858	74	12	wealth	wealth	NOUN
fsr-3858	74	13	,	,	PUNCT
fsr-3858	74	14	including	include	VERB
fsr-3858	74	15	use	use	NOUN
fsr-3858	74	16	of	of	ADP
fsr-3858	74	17	a	a	DET
fsr-3858	74	18	common	common	ADJ
fsr-3858	74	19	growth	growth	NOUN
fsr-3858	74	20	rate	rate	NOUN
fsr-3858	74	21	for	for	ADP
fsr-3858	74	22	all	all	DET
fsr-3858	74	23	financial	financial	ADJ
fsr-3858	74	24	assets	asset	NOUN
fsr-3858	74	25	(	(	PUNCT
fsr-3858	74	26	burns	burn	NOUN
fsr-3858	74	27	and	and	CCONJ
fsr-3858	74	28	widdows	widdow	NOUN
fsr-3858	74	29	,	,	PUNCT
fsr-3858	74	30	1988	1988	NUM
fsr-3858	74	31	)	)	PUNCT
fsr-3858	74	32	,	,	PUNCT
fsr-3858	74	33	and	and	CCONJ
fsr-3858	74	34	use	use	NOUN
fsr-3858	74	35	of	of	ADP
fsr-3858	74	36	asset	asset	NOUN
fsr-3858	74	37	specific	specific	ADJ
fsr-3858	74	38	growth	growth	NOUN
fsr-3858	74	39	rates	rate	NOUN
fsr-3858	74	40	(	(	PUNCT
fsr-3858	74	41	moore	moore	PROPN
fsr-3858	74	42	and	and	CCONJ
fsr-3858	74	43	mitchell	mitchell	PROPN
fsr-3858	74	44	,	,	PUNCT
fsr-3858	74	45	1997	1997	NUM
fsr-3858	74	46	;	;	PUNCT
fsr-3858	74	47	yuh	yuh	PROPN
fsr-3858	74	48	et	et	PROPN
fsr-3858	74	49	al	al	PROPN
fsr-3858	74	50	.	.	PROPN
fsr-3858	74	51	,	,	PUNCT
fsr-3858	74	52	1998	1998	NUM
fsr-3858	74	53	)	)	PUNCT
fsr-3858	74	54	.	.	PUNCT
fsr-3858	75	1	for	for	ADP
fsr-3858	75	2	example	example	NOUN
fsr-3858	75	3	,	,	PUNCT
fsr-3858	75	4	burns	burn	NOUN
fsr-3858	75	5	and	and	CCONJ
fsr-3858	75	6	widdows	widdow	NOUN
fsr-3858	75	7	(	(	PUNCT
fsr-3858	75	8	1988	1988	NUM
fsr-3858	75	9	)	)	PUNCT
fsr-3858	75	10	use	use	VERB
fsr-3858	75	11	growth	growth	NOUN
fsr-3858	75	12	rates	rate	NOUN
fsr-3858	75	13	of	of	ADP
fsr-3858	75	14	0	0	NUM
fsr-3858	75	15	%	%	NOUN
fsr-3858	75	16	and	and	CCONJ
fsr-3858	75	17	3	3	NUM
fsr-3858	75	18	%	%	NOUN
fsr-3858	75	19	.	.	PUNCT
fsr-3858	76	1	moore	moore	PROPN
fsr-3858	76	2	and	and	CCONJ
fsr-3858	76	3	mitchell	mitchell	PROPN
fsr-3858	76	4	(	(	PUNCT
fsr-3858	76	5	1997	1997	NUM
fsr-3858	76	6	)	)	PUNCT
fsr-3858	76	7	project	project	NOUN
fsr-3858	76	8	individual	individual	ADJ
fsr-3858	76	9	components	component	NOUN
fsr-3858	76	10	of	of	ADP
fsr-3858	76	11	net	net	ADJ
fsr-3858	76	12	financial	financial	ADJ
fsr-3858	76	13	wealth	wealth	NOUN
fsr-3858	76	14	assuming	assume	VERB
fsr-3858	76	15	the	the	DET
fsr-3858	76	16	growth	growth	NOUN
fsr-3858	76	17	rates	rate	NOUN
fsr-3858	76	18	are	be	AUX
fsr-3858	76	19	geometric	geometric	ADJ
fsr-3858	76	20	averages	average	NOUN
fsr-3858	76	21	of	of	ADP
fsr-3858	76	22	historical	historical	ADJ
fsr-3858	76	23	real	real	ADJ
fsr-3858	76	24	returns	return	NOUN
fsr-3858	76	25	.	.	PUNCT
fsr-3858	77	1	while	while	SCONJ
fsr-3858	77	2	this	this	DET
fsr-3858	77	3	approach	approach	NOUN
fsr-3858	77	4	is	be	AUX
fsr-3858	77	5	an	an	DET
fsr-3858	77	6	improvement	improvement	NOUN
fsr-3858	77	7	over	over	ADP
fsr-3858	77	8	the	the	DET
fsr-3858	77	9	use	use	NOUN
fsr-3858	77	10	of	of	ADP
fsr-3858	77	11	a	a	DET
fsr-3858	77	12	common	common	ADJ
fsr-3858	77	13	growth	growth	NOUN
fsr-3858	77	14	rate	rate	NOUN
fsr-3858	77	15	for	for	ADP
fsr-3858	77	16	all	all	DET
fsr-3858	77	17	financial	financial	ADJ
fsr-3858	77	18	assets	asset	NOUN
fsr-3858	77	19	,	,	PUNCT
fsr-3858	77	20	it	it	PRON
fsr-3858	77	21	ignores	ignore	VERB
fsr-3858	77	22	risks	risk	NOUN
fsr-3858	77	23	associated	associate	VERB
fsr-3858	77	24	with	with	ADP
fsr-3858	77	25	investments	investment	NOUN
fsr-3858	77	26	due	due	ADP
fsr-3858	77	27	to	to	ADP
fsr-3858	77	28	changes	change	NOUN
fsr-3858	77	29	in	in	ADP
fsr-3858	77	30	interest	interest	NOUN
fsr-3858	77	31	rates	rate	NOUN
fsr-3858	77	32	over	over	ADP
fsr-3858	77	33	time	time	NOUN
fsr-3858	77	34	.	.	PUNCT
fsr-3858	78	1	yuh	yuh	PROPN
fsr-3858	78	2	et	et	PROPN
fsr-3858	78	3	al	al	PROPN
fsr-3858	78	4	.	.	PROPN
fsr-3858	79	1	(	(	PUNCT
fsr-3858	79	2	1998	1998	NUM
fsr-3858	79	3	)	)	PUNCT
fsr-3858	79	4	also	also	ADV
fsr-3858	79	5	project	project	VERB
fsr-3858	79	6	individual	individual	ADJ
fsr-3858	79	7	components	component	NOUN
fsr-3858	79	8	of	of	ADP
fsr-3858	79	9	financial	financial	ADJ
fsr-3858	79	10	and	and	CCONJ
fsr-3858	79	11	nonfinancial	nonfinancial	ADJ
fsr-3858	79	12	wealth	wealth	NOUN
fsr-3858	79	13	,	,	PUNCT
fsr-3858	79	14	but	but	CCONJ
fsr-3858	79	15	use	use	VERB
fsr-3858	79	16	both	both	DET
fsr-3858	79	17	average	average	ADJ
fsr-3858	79	18	and	and	CCONJ
fsr-3858	79	19	pessimistic	pessimistic	ADJ
fsr-3858	79	20	growth	growth	NOUN
fsr-3858	79	21	rates	rate	NOUN
fsr-3858	79	22	generated	generate	VERB
fsr-3858	79	23	from	from	ADP
fsr-3858	79	24	historical	historical	ADJ
fsr-3858	79	25	rates	rate	NOUN
fsr-3858	79	26	of	of	ADP
fsr-3858	79	27	return	return	NOUN
fsr-3858	79	28	and	and	CCONJ
fsr-3858	79	29	a	a	DET
fsr-3858	79	30	lognormal	lognormal	ADJ
fsr-3858	79	31	forecasting	forecasting	NOUN
fsr-3858	79	32	model	model	NOUN
fsr-3858	79	33	.	.	PUNCT
fsr-3858	80	1	2.1.3	2.1.3	NUM
fsr-3858	80	2	.	.	PUNCT
fsr-3858	80	3	savings	saving	NOUN
fsr-3858	80	4	rate	rate	NOUN
fsr-3858	80	5	in	in	ADP
fsr-3858	80	6	general	general	ADJ
fsr-3858	80	7	,	,	PUNCT
fsr-3858	80	8	the	the	DET
fsr-3858	80	9	previous	previous	ADJ
fsr-3858	80	10	research	research	NOUN
fsr-3858	80	11	suggests	suggest	VERB
fsr-3858	80	12	that	that	SCONJ
fsr-3858	80	13	pre	pre	ADJ
fsr-3858	80	14	-	-	ADJ
fsr-3858	80	15	retired	retired	ADJ
fsr-3858	80	16	people	people	NOUN
fsr-3858	80	17	are	be	AUX
fsr-3858	80	18	not	not	PART
fsr-3858	80	19	adequately	adequately	ADV
fsr-3858	80	20	prepared	prepare	VERB
fsr-3858	80	21	financially	financially	ADV
fsr-3858	80	22	for	for	ADP
fsr-3858	80	23	their	their	PRON
fsr-3858	80	24	retirement	retirement	NOUN
fsr-3858	80	25	and	and	CCONJ
fsr-3858	80	26	thus	thus	ADV
fsr-3858	80	27	need	need	VERB
fsr-3858	80	28	additional	additional	ADJ
fsr-3858	80	29	savings	saving	NOUN
fsr-3858	80	30	in	in	ADP
fsr-3858	80	31	order	order	NOUN
fsr-3858	80	32	to	to	PART
fsr-3858	80	33	have	have	AUX
fsr-3858	80	34	adequate	adequate	ADJ
fsr-3858	80	35	retirement	retirement	NOUN
fsr-3858	80	36	wealth	wealth	NOUN
fsr-3858	80	37	.	.	PUNCT
fsr-3858	81	1	moore	moore	PROPN
fsr-3858	81	2	and	and	CCONJ
fsr-3858	81	3	mitchell	mitchell	PROPN
fsr-3858	81	4	(	(	PUNCT
fsr-3858	81	5	1997	1997	NUM
fsr-3858	81	6	)	)	PUNCT
fsr-3858	81	7	examine	examine	VERB
fsr-3858	81	8	the	the	DET
fsr-3858	81	9	adequacy	adequacy	NOUN
fsr-3858	81	10	of	of	ADP
fsr-3858	81	11	asset	asset	NOUN
fsr-3858	81	12	holdings	holding	NOUN
fsr-3858	81	13	of	of	ADP
fsr-3858	81	14	persons	person	NOUN
fsr-3858	81	15	on	on	ADP
fsr-3858	81	16	the	the	DET
fsr-3858	81	17	verge	verge	NOUN
fsr-3858	81	18	of	of	ADP
fsr-3858	81	19	retirement	retirement	NOUN
fsr-3858	81	20	using	use	VERB
fsr-3858	81	21	data	datum	NOUN
fsr-3858	81	22	from	from	ADP
fsr-3858	81	23	the	the	DET
fsr-3858	81	24	health	health	NOUN
fsr-3858	81	25	and	and	CCONJ
fsr-3858	81	26	retirement	retirement	NOUN
fsr-3858	81	27	study	study	NOUN
fsr-3858	81	28	(	(	PUNCT
fsr-3858	81	29	hrs	hrs	NOUN
fsr-3858	81	30	)	)	PUNCT
fsr-3858	81	31	.	.	PUNCT
fsr-3858	82	1	they	they	PRON
fsr-3858	82	2	compare	compare	VERB
fsr-3858	82	3	the	the	DET
fsr-3858	82	4	projected	project	VERB
fsr-3858	82	5	value	value	NOUN
fsr-3858	82	6	of	of	ADP
fsr-3858	82	7	assets	asset	NOUN
fsr-3858	82	8	at	at	ADP
fsr-3858	82	9	retirement	retirement	NOUN
fsr-3858	82	10	with	with	ADP
fsr-3858	82	11	estimated	estimate	VERB
fsr-3858	82	12	retirement	retirement	NOUN
fsr-3858	82	13	needs	need	NOUN
fsr-3858	82	14	,	,	PUNCT
fsr-3858	82	15	and	and	CCONJ
fsr-3858	82	16	determine	determine	VERB
fsr-3858	82	17	the	the	DET
fsr-3858	82	18	level	level	NOUN
fsr-3858	82	19	of	of	ADP
fsr-3858	82	20	saving	save	VERB
fsr-3858	82	21	needed	need	VERB
fsr-3858	82	22	to	to	PART
fsr-3858	82	23	maintain	maintain	VERB
fsr-3858	82	24	the	the	DET
fsr-3858	82	25	retirement	retirement	NOUN
fsr-3858	82	26	consumption	consumption	NOUN
fsr-3858	82	27	.	.	PUNCT
fsr-3858	83	1	retirement	retirement	NOUN
fsr-3858	83	2	is	be	AUX
fsr-3858	83	3	assumed	assume	VERB
fsr-3858	83	4	to	to	PART
fsr-3858	83	5	occur	occur	VERB
fsr-3858	83	6	at	at	ADP
fsr-3858	83	7	ages	age	NOUN
fsr-3858	83	8	62	62	NUM
fsr-3858	83	9	and	and	CCONJ
fsr-3858	83	10	65	65	NUM
fsr-3858	83	11	.	.	PUNCT
fsr-3858	84	1	they	they	PRON
fsr-3858	84	2	conclude	conclude	VERB
fsr-3858	84	3	that	that	SCONJ
fsr-3858	84	4	the	the	DET
fsr-3858	84	5	majority	majority	NOUN
fsr-3858	84	6	of	of	ADP
fsr-3858	84	7	older	old	ADJ
fsr-3858	84	8	households	household	NOUN
fsr-3858	84	9	will	will	AUX
fsr-3858	84	10	not	not	PART
fsr-3858	84	11	be	be	AUX
fsr-3858	84	12	able	able	ADJ
fsr-3858	84	13	to	to	PART
fsr-3858	84	14	maintain	maintain	VERB
fsr-3858	84	15	current	current	ADJ
fsr-3858	84	16	levels	level	NOUN
fsr-3858	84	17	of	of	ADP
fsr-3858	84	18	consumption	consumption	NOUN
fsr-3858	84	19	into	into	ADP
fsr-3858	84	20	retirement	retirement	NOUN
fsr-3858	84	21	without	without	ADP
fsr-3858	84	22	increasing	increase	VERB
fsr-3858	84	23	savings	saving	NOUN
fsr-3858	84	24	.	.	PUNCT
fsr-3858	85	1	in	in	ADP
fsr-3858	85	2	particular	particular	ADJ
fsr-3858	85	3	,	,	PUNCT
fsr-3858	85	4	the	the	DET
fsr-3858	85	5	median	median	ADJ
fsr-3858	85	6	hrs	hrs	NOUN
fsr-3858	85	7	household	household	NOUN
fsr-3858	85	8	would	would	AUX
fsr-3858	85	9	have	have	VERB
fsr-3858	85	10	to	to	PART
fsr-3858	85	11	save	save	VERB
fsr-3858	85	12	an	an	DET
fsr-3858	85	13	additional	additional	ADJ
fsr-3858	85	14	16	16	NUM
fsr-3858	85	15	%	%	NOUN
fsr-3858	85	16	of	of	ADP
fsr-3858	85	17	earnings	earning	NOUN
fsr-3858	85	18	to	to	PART
fsr-3858	85	19	maintain	maintain	VERB
fsr-3858	85	20	the	the	DET
fsr-3858	85	21	pre	pre	ADJ
fsr-3858	85	22	-	-	ADJ
fsr-3858	85	23	retirement	retirement	ADJ
fsr-3858	85	24	consumption	consumption	NOUN
fsr-3858	85	25	level	level	NOUN
fsr-3858	85	26	for	for	ADP
fsr-3858	85	27	age	age	NOUN
fsr-3858	85	28	62	62	NUM
fsr-3858	85	29	retirement	retirement	NOUN
fsr-3858	85	30	,	,	PUNCT
fsr-3858	85	31	or	or	CCONJ
fsr-3858	85	32	an	an	DET
fsr-3858	85	33	additional	additional	ADJ
fsr-3858	85	34	seven	seven	NUM
fsr-3858	85	35	percent	percent	NOUN
fsr-3858	85	36	of	of	ADP
fsr-3858	85	37	earnings	earning	NOUN
fsr-3858	85	38	for	for	ADP
fsr-3858	85	39	retirement	retirement	NOUN
fsr-3858	85	40	at	at	ADP
fsr-3858	85	41	age	age	NOUN
fsr-3858	85	42	65	65	NUM
fsr-3858	85	43	.	.	PUNCT
fsr-3858	86	1	in	in	ADP
fsr-3858	86	2	a	a	DET
fsr-3858	86	3	related	related	ADJ
fsr-3858	86	4	study	study	NOUN
fsr-3858	86	5	,	,	PUNCT
fsr-3858	86	6	mitchell	mitchell	PROPN
fsr-3858	86	7	and	and	CCONJ
fsr-3858	86	8	moore	moore	PROPN
fsr-3858	86	9	(	(	PUNCT
fsr-3858	86	10	1997	1997	NUM
fsr-3858	86	11	)	)	PUNCT
fsr-3858	86	12	use	use	VERB
fsr-3858	86	13	the	the	DET
fsr-3858	86	14	hrs	hrs	NOUN
fsr-3858	86	15	data	datum	NOUN
fsr-3858	86	16	to	to	PART
fsr-3858	86	17	examine	examine	VERB
fsr-3858	86	18	the	the	DET
fsr-3858	86	19	adequacy	adequacy	NOUN
fsr-3858	86	20	of	of	ADP
fsr-3858	86	21	retirement	retirement	NOUN
fsr-3858	86	22	wealth	wealth	NOUN
fsr-3858	86	23	for	for	ADP
fsr-3858	86	24	a	a	DET
fsr-3858	86	25	household	household	NOUN
fsr-3858	86	26	with	with	ADP
fsr-3858	86	27	characteristics	characteristic	NOUN
fsr-3858	86	28	similar	similar	ADJ
fsr-3858	86	29	to	to	ADP
fsr-3858	86	30	hrs	hrs	NOUN
fsr-3858	86	31	median	median	ADJ
fsr-3858	86	32	characteristics	characteristic	NOUN
fsr-3858	86	33	(	(	PUNCT
fsr-3858	86	34	a	a	DET
fsr-3858	86	35	married	married	ADJ
fsr-3858	86	36	couple	couple	NOUN
fsr-3858	86	37	household	household	NOUN
fsr-3858	86	38	,	,	PUNCT
fsr-3858	86	39	husband	husband	NOUN
fsr-3858	86	40	and	and	CCONJ
fsr-3858	86	41	wife	wife	NOUN
fsr-3858	86	42	both	both	DET
fsr-3858	86	43	age	age	NOUN
fsr-3858	86	44	56	56	NUM
fsr-3858	86	45	in	in	ADP
fsr-3858	86	46	1992	1992	NUM
fsr-3858	86	47	,	,	PUNCT
fsr-3858	86	48	with	with	ADP
fsr-3858	86	49	an	an	DET
fsr-3858	86	50	annual	annual	ADJ
fsr-3858	86	51	household	household	NOUN
fsr-3858	86	52	income	income	NOUN
fsr-3858	86	53	of	of	ADP
fsr-3858	86	54	$	$	SYM
fsr-3858	86	55	46,000	46,000	NUM
fsr-3858	86	56	)	)	PUNCT
fsr-3858	86	57	.	.	PUNCT
fsr-3858	87	1	wealth	wealth	NOUN
fsr-3858	87	2	accumulation	accumulation	NOUN
fsr-3858	87	3	is	be	AUX
fsr-3858	87	4	projected	project	VERB
fsr-3858	87	5	for	for	ADP
fsr-3858	87	6	retirement	retirement	NOUN
fsr-3858	87	7	at	at	ADP
fsr-3858	87	8	age	age	NOUN
fsr-3858	87	9	65	65	NUM
fsr-3858	87	10	assuming	assume	VERB
fsr-3858	87	11	a	a	DET
fsr-3858	87	12	portfolio	portfolio	NOUN
fsr-3858	87	13	of	of	ADP
fsr-3858	87	14	60	60	NUM
fsr-3858	87	15	%	%	NOUN
fsr-3858	87	16	bonds	bond	NOUN
fsr-3858	87	17	and	and	CCONJ
fsr-3858	87	18	40	40	NUM
fsr-3858	87	19	%	%	NOUN
fsr-3858	87	20	stocks	stock	NOUN
fsr-3858	87	21	.	.	PUNCT
fsr-3858	88	1	the	the	DET
fsr-3858	88	2	wealth	wealth	NOUN
fsr-3858	88	3	accumulation	accumulation	NOUN
fsr-3858	88	4	is	be	AUX
fsr-3858	88	5	compared	compare	VERB
fsr-3858	88	6	to	to	ADP
fsr-3858	88	7	a	a	DET
fsr-3858	88	8	retirement	retirement	NOUN
fsr-3858	88	9	needs	need	VERB
fsr-3858	88	10	calculation	calculation	NOUN
fsr-3858	88	11	using	use	VERB
fsr-3858	88	12	replacement	replacement	NOUN
fsr-3858	88	13	rates	rate	NOUN
fsr-3858	88	14	of	of	ADP
fsr-3858	88	15	70	70	NUM
fsr-3858	88	16	%	%	NOUN
fsr-3858	88	17	and	and	CCONJ
fsr-3858	88	18	80	80	NUM
fsr-3858	88	19	%	%	NOUN
fsr-3858	88	20	.	.	PUNCT
fsr-3858	89	1	substantial	substantial	ADJ
fsr-3858	89	2	shortfalls	shortfall	NOUN
fsr-3858	89	3	in	in	ADP
fsr-3858	89	4	retirement	retirement	NOUN
fsr-3858	89	5	wealth	wealth	NOUN
fsr-3858	89	6	accumulations	accumulation	NOUN
fsr-3858	89	7	are	be	AUX
fsr-3858	89	8	found	find	VERB
fsr-3858	89	9	,	,	PUNCT
fsr-3858	89	10	and	and	CCONJ
fsr-3858	89	11	the	the	DET
fsr-3858	89	12	authors	author	NOUN
fsr-3858	89	13	conclude	conclude	VERB
fsr-3858	89	14	that	that	SCONJ
fsr-3858	89	15	the	the	DET
fsr-3858	89	16	median	median	ADJ
fsr-3858	89	17	american	american	PROPN
fsr-3858	89	18	on	on	ADP
fsr-3858	89	19	the	the	DET
fsr-3858	89	20	verge	verge	NOUN
fsr-3858	89	21	of	of	ADP
fsr-3858	89	22	retirement	retirement	NOUN
fsr-3858	89	23	has	have	AUX
fsr-3858	89	24	accumulated	accumulate	VERB
fsr-3858	89	25	too	too	ADV
fsr-3858	89	26	little	little	ADJ
fsr-3858	89	27	wealth	wealth	NOUN
fsr-3858	89	28	to	to	PART
fsr-3858	89	29	support	support	VERB
fsr-3858	89	30	a	a	DET
fsr-3858	89	31	comfortable	comfortable	ADJ
fsr-3858	89	32	retirement	retirement	NOUN
fsr-3858	89	33	.	.	PUNCT
fsr-3858	90	1	bernheim	bernheim	PROPN
fsr-3858	90	2	(	(	PUNCT
fsr-3858	90	3	1996	1996	NUM
fsr-3858	90	4	)	)	PUNCT
fsr-3858	90	5	calculates	calculate	VERB
fsr-3858	90	6	the	the	DET
fsr-3858	90	7	ratio	ratio	NOUN
fsr-3858	90	8	of	of	ADP
fsr-3858	90	9	actual	actual	ADJ
fsr-3858	90	10	savings	saving	NOUN
fsr-3858	90	11	to	to	ADP
fsr-3858	90	12	savings	saving	NOUN
fsr-3858	90	13	needed	need	VERB
fsr-3858	90	14	to	to	PART
fsr-3858	90	15	maintain	maintain	VERB
fsr-3858	90	16	the	the	DET
fsr-3858	90	17	preretirement	preretirement	ADJ
fsr-3858	90	18	level	level	NOUN
fsr-3858	90	19	of	of	ADP
fsr-3858	90	20	living	live	VERB
fsr-3858	90	21	during	during	ADP
fsr-3858	90	22	the	the	DET
fsr-3858	90	23	retirement	retirement	NOUN
fsr-3858	90	24	years	year	NOUN
fsr-3858	90	25	for	for	ADP
fsr-3858	90	26	respondents	respondent	NOUN
fsr-3858	90	27	to	to	ADP
fsr-3858	90	28	a	a	DET
fsr-3858	90	29	merrill	merrill	NOUN
fsr-3858	90	30	lynch	lynch	PROPN
fsr-3858	90	31	survey	survey	PROPN
fsr-3858	90	32	.	.	PUNCT
fsr-3858	91	1	a	a	DET
fsr-3858	91	2	computer	computer	NOUN
fsr-3858	91	3	simulation	simulation	NOUN
fsr-3858	91	4	model	model	NOUN
fsr-3858	91	5	is	be	AUX
fsr-3858	91	6	used	use	VERB
fsr-3858	91	7	to	to	PART
fsr-3858	91	8	determine	determine	VERB
fsr-3858	91	9	the	the	DET
fsr-3858	91	10	prescribed	prescribed	ADJ
fsr-3858	91	11	savings	saving	NOUN
fsr-3858	91	12	levels	level	NOUN
fsr-3858	91	13	and	and	CCONJ
fsr-3858	91	14	these	these	DET
fsr-3858	91	15	levels	level	NOUN
fsr-3858	91	16	are	be	AUX
fsr-3858	91	17	compared	compare	VERB
fsr-3858	91	18	with	with	ADP
fsr-3858	91	19	actual	actual	ADJ
fsr-3858	91	20	savings	saving	NOUN
fsr-3858	91	21	behavior	behavior	NOUN
fsr-3858	91	22	.	.	PUNCT
fsr-3858	92	1	an	an	DET
fsr-3858	92	2	adequacy	adequacy	NOUN
fsr-3858	92	3	index	index	NOUN
fsr-3858	92	4	is	be	AUX
fsr-3858	92	5	developed	develop	VERB
fsr-3858	92	6	based	base	VERB
fsr-3858	92	7	on	on	ADP
fsr-3858	92	8	actual	actual	ADJ
fsr-3858	92	9	savings	saving	NOUN
fsr-3858	92	10	as	as	ADP
fsr-3858	92	11	a	a	DET
fsr-3858	92	12	percentage	percentage	NOUN
fsr-3858	92	13	of	of	ADP
fsr-3858	92	14	prescribed	prescribed	ADJ
fsr-3858	92	15	savings	saving	NOUN
fsr-3858	92	16	for	for	ADP
fsr-3858	92	17	three	three	NUM
fsr-3858	92	18	cases	case	NOUN
fsr-3858	92	19	:	:	PUNCT
fsr-3858	92	20	pessimistic	pessimistic	ADJ
fsr-3858	92	21	,	,	PUNCT
fsr-3858	92	22	optimistic	optimistic	ADJ
fsr-3858	92	23	,	,	PUNCT
fsr-3858	92	24	and	and	CCONJ
fsr-3858	92	25	midpoint	midpoint	NOUN
fsr-3858	92	26	.	.	PUNCT
fsr-3858	93	1	the	the	DET
fsr-3858	93	2	index	index	NOUN
fsr-3858	93	3	indicates	indicate	VERB
fsr-3858	93	4	a	a	DET
fsr-3858	93	5	significant	significant	ADJ
fsr-3858	93	6	shortfall	shortfall	NOUN
fsr-3858	93	7	in	in	ADP
fsr-3858	93	8	the	the	DET
fsr-3858	93	9	retirement	retirement	NOUN
fsr-3858	93	10	savings	saving	NOUN
fsr-3858	93	11	of	of	ADP
fsr-3858	93	12	the	the	DET
fsr-3858	93	13	baby	baby	NOUN
fsr-3858	93	14	boom	boom	NOUN
fsr-3858	93	15	generation	generation	NOUN
fsr-3858	93	16	.	.	PUNCT
fsr-3858	94	1	the	the	DET
fsr-3858	94	2	overall	overall	ADJ
fsr-3858	94	3	index	index	NOUN
fsr-3858	94	4	at	at	ADP
fsr-3858	94	5	the	the	DET
fsr-3858	94	6	midpoint	midpoint	NOUN
fsr-3858	94	7	(	(	PUNCT
fsr-3858	94	8	36	36	NUM
fsr-3858	94	9	%	%	NOUN
fsr-3858	94	10	)	)	PUNCT
fsr-3858	94	11	indicates	indicate	VERB
fsr-3858	94	12	that	that	SCONJ
fsr-3858	94	13	the	the	DET
fsr-3858	94	14	178	178	NUM
fsr-3858	94	15	y.	y.	PROPN
fsr-3858	94	16	yuh	yuh	PROPN
fsr-3858	94	17	et	et	PROPN
fsr-3858	94	18	al	al	PROPN
fsr-3858	94	19	.	.	PUNCT
fsr-3858	94	20	/	/	SYM
fsr-3858	94	21	financial	financial	ADJ
fsr-3858	94	22	services	service	NOUN
fsr-3858	94	23	review	review	VERB
fsr-3858	94	24	7	7	NUM
fsr-3858	94	25	(	(	PUNCT
fsr-3858	94	26	1998	1998	NUM
fsr-3858	94	27	)	)	PUNCT
fsr-3858	94	28	175–193	175–193	NUM
fsr-3858	94	29	typical	typical	ADJ
fsr-3858	94	30	baby	baby	NOUN
fsr-3858	94	31	boom	boom	NOUN
fsr-3858	94	32	household	household	NOUN
fsr-3858	94	33	needs	need	VERB
fsr-3858	94	34	to	to	PART
fsr-3858	94	35	nearly	nearly	ADV
fsr-3858	94	36	triple	triple	DET
fsr-3858	94	37	its	its	PRON
fsr-3858	94	38	rate	rate	NOUN
fsr-3858	94	39	of	of	ADP
fsr-3858	94	40	saving	save	VERB
fsr-3858	94	41	to	to	PART
fsr-3858	94	42	maintain	maintain	VERB
fsr-3858	94	43	the	the	DET
fsr-3858	94	44	preretirement	preretirement	ADJ
fsr-3858	94	45	consumption	consumption	NOUN
fsr-3858	94	46	level	level	NOUN
fsr-3858	94	47	in	in	ADP
fsr-3858	94	48	the	the	DET
fsr-3858	94	49	retirement	retirement	NOUN
fsr-3858	94	50	years	year	NOUN
fsr-3858	94	51	(	(	PUNCT
fsr-3858	94	52	bernheim	bernheim	NOUN
fsr-3858	94	53	,	,	PUNCT
fsr-3858	94	54	1996	1996	NUM
fsr-3858	94	55	,	,	PUNCT
fsr-3858	94	56	p.	p.	NOUN
fsr-3858	94	57	22	22	NUM
fsr-3858	94	58	)	)	PUNCT
fsr-3858	94	59	.	.	PUNCT
fsr-3858	95	1	burns	burn	NOUN
fsr-3858	95	2	and	and	CCONJ
fsr-3858	95	3	widdows	widdow	NOUN
fsr-3858	95	4	(	(	PUNCT
fsr-3858	95	5	1988	1988	NUM
fsr-3858	95	6	)	)	PUNCT
fsr-3858	95	7	apply	apply	VERB
fsr-3858	95	8	the	the	DET
fsr-3858	95	9	framework	framework	NOUN
fsr-3858	95	10	developed	develop	VERB
fsr-3858	95	11	by	by	ADP
fsr-3858	95	12	duncan	duncan	PROPN
fsr-3858	95	13	et	et	PROPN
fsr-3858	95	14	al	al	PROPN
fsr-3858	95	15	.	.	PROPN
fsr-3858	96	1	(	(	PUNCT
fsr-3858	96	2	1984	1984	NUM
fsr-3858	96	3	)	)	PUNCT
fsr-3858	96	4	to	to	ADP
fsr-3858	96	5	data	datum	NOUN
fsr-3858	96	6	from	from	ADP
fsr-3858	96	7	the	the	DET
fsr-3858	96	8	1983	1983	NUM
fsr-3858	96	9	survey	survey	NOUN
fsr-3858	96	10	of	of	ADP
fsr-3858	96	11	consumer	consumer	NOUN
fsr-3858	96	12	finances	finance	NOUN
fsr-3858	96	13	to	to	PART
fsr-3858	96	14	estimate	estimate	VERB
fsr-3858	96	15	savings	saving	NOUN
fsr-3858	96	16	rates	rate	NOUN
fsr-3858	96	17	needed	need	VERB
fsr-3858	96	18	to	to	PART
fsr-3858	96	19	adequately	adequately	ADV
fsr-3858	96	20	fund	fund	VERB
fsr-3858	96	21	baby	baby	NOUN
fsr-3858	96	22	boomers	boomer	NOUN
fsr-3858	96	23	’	'	PUNCT
fsr-3858	96	24	retirement	retirement	NOUN
fsr-3858	96	25	.	.	PUNCT
fsr-3858	97	1	sizeable	sizeable	ADJ
fsr-3858	97	2	retirement	retirement	NOUN
fsr-3858	97	3	gaps	gap	NOUN
fsr-3858	97	4	are	be	AUX
fsr-3858	97	5	generally	generally	ADV
fsr-3858	97	6	found	find	VERB
fsr-3858	97	7	across	across	ADP
fsr-3858	97	8	all	all	DET
fsr-3858	97	9	age	age	NOUN
fsr-3858	97	10	and	and	CCONJ
fsr-3858	97	11	income	income	NOUN
fsr-3858	97	12	groups	group	NOUN
fsr-3858	97	13	.	.	PUNCT
fsr-3858	98	1	the	the	DET
fsr-3858	98	2	authors	author	NOUN
fsr-3858	98	3	conclude	conclude	VERB
fsr-3858	98	4	that	that	SCONJ
fsr-3858	98	5	the	the	DET
fsr-3858	98	6	average	average	ADJ
fsr-3858	98	7	family	family	NOUN
fsr-3858	98	8	needs	need	VERB
fsr-3858	98	9	to	to	PART
fsr-3858	98	10	increase	increase	VERB
fsr-3858	98	11	the	the	DET
fsr-3858	98	12	current	current	ADJ
fsr-3858	98	13	level	level	NOUN
fsr-3858	98	14	of	of	ADP
fsr-3858	98	15	saving	save	VERB
fsr-3858	98	16	in	in	ADP
fsr-3858	98	17	order	order	NOUN
fsr-3858	98	18	to	to	PART
fsr-3858	98	19	meet	meet	VERB
fsr-3858	98	20	retirement	retirement	NOUN
fsr-3858	98	21	needs	need	NOUN
fsr-3858	98	22	.	.	PUNCT
fsr-3858	99	1	2.1.4	2.1.4	X
fsr-3858	99	2	.	.	PUNCT
fsr-3858	99	3	correlates	correlate	VERB
fsr-3858	99	4	of	of	ADP
fsr-3858	99	5	retirement	retirement	NOUN
fsr-3858	99	6	wealth	wealth	NOUN
fsr-3858	99	7	adequacy	adequacy	NOUN
fsr-3858	99	8	previous	previous	ADJ
fsr-3858	99	9	research	research	NOUN
fsr-3858	99	10	has	have	AUX
fsr-3858	99	11	analyzed	analyze	VERB
fsr-3858	99	12	the	the	DET
fsr-3858	99	13	correlates	correlate	NOUN
fsr-3858	99	14	of	of	ADP
fsr-3858	99	15	retirement	retirement	NOUN
fsr-3858	99	16	wealth	wealth	NOUN
fsr-3858	99	17	adequacy	adequacy	NOUN
fsr-3858	99	18	.	.	PUNCT
fsr-3858	100	1	li	li	PROPN
fsr-3858	100	2	et	et	PROPN
fsr-3858	100	3	al	al	PROPN
fsr-3858	100	4	.	.	PROPN
fsr-3858	100	5	(	(	PUNCT
fsr-3858	100	6	1996	1996	NUM
fsr-3858	100	7	)	)	PUNCT
fsr-3858	100	8	use	use	VERB
fsr-3858	100	9	data	datum	NOUN
fsr-3858	100	10	from	from	ADP
fsr-3858	100	11	the	the	DET
fsr-3858	100	12	national	national	ADJ
fsr-3858	100	13	longitudinal	longitudinal	ADJ
fsr-3858	100	14	survey	survey	NOUN
fsr-3858	100	15	of	of	ADP
fsr-3858	100	16	older	old	ADJ
fsr-3858	100	17	men	man	NOUN
fsr-3858	100	18	to	to	PART
fsr-3858	100	19	compare	compare	VERB
fsr-3858	100	20	needed	need	VERB
fsr-3858	100	21	resources	resource	NOUN
fsr-3858	100	22	and	and	CCONJ
fsr-3858	100	23	actual	actual	ADJ
fsr-3858	100	24	resources	resource	NOUN
fsr-3858	100	25	at	at	ADP
fsr-3858	100	26	the	the	DET
fsr-3858	100	27	expected	expect	VERB
fsr-3858	100	28	date	date	NOUN
fsr-3858	100	29	of	of	ADP
fsr-3858	100	30	retirement	retirement	NOUN
fsr-3858	100	31	for	for	ADP
fsr-3858	100	32	each	each	DET
fsr-3858	100	33	household	household	NOUN
fsr-3858	100	34	.	.	PUNCT
fsr-3858	101	1	the	the	DET
fsr-3858	101	2	results	result	NOUN
fsr-3858	101	3	suggest	suggest	VERB
fsr-3858	101	4	that	that	SCONJ
fsr-3858	101	5	men	man	NOUN
fsr-3858	101	6	born	bear	VERB
fsr-3858	101	7	between	between	ADP
fsr-3858	101	8	1907	1907	NUM
fsr-3858	101	9	and	and	CCONJ
fsr-3858	101	10	1921	1921	NUM
fsr-3858	101	11	are	be	AUX
fsr-3858	101	12	not	not	PART
fsr-3858	101	13	well	well	ADV
fsr-3858	101	14	prepared	prepare	VERB
fsr-3858	101	15	financially	financially	ADV
fsr-3858	101	16	for	for	ADP
fsr-3858	101	17	retirement	retirement	NOUN
fsr-3858	101	18	.	.	PUNCT
fsr-3858	102	1	only	only	ADV
fsr-3858	102	2	46	46	NUM
fsr-3858	102	3	%	%	NOUN
fsr-3858	102	4	of	of	ADP
fsr-3858	102	5	the	the	DET
fsr-3858	102	6	sample	sample	NOUN
fsr-3858	102	7	has	have	AUX
fsr-3858	102	8	accumulated	accumulate	VERB
fsr-3858	102	9	retirement	retirement	NOUN
fsr-3858	102	10	wealth	wealth	NOUN
fsr-3858	102	11	at	at	ADP
fsr-3858	102	12	the	the	DET
fsr-3858	102	13	expected	expect	VERB
fsr-3858	102	14	retirement	retirement	NOUN
fsr-3858	102	15	age	age	NOUN
fsr-3858	102	16	that	that	PRON
fsr-3858	102	17	is	be	AUX
fsr-3858	102	18	adequate	adequate	ADJ
fsr-3858	102	19	to	to	PART
fsr-3858	102	20	maintain	maintain	VERB
fsr-3858	102	21	the	the	DET
fsr-3858	102	22	pre	pre	ADJ
fsr-3858	102	23	-	-	ADJ
fsr-3858	102	24	retirement	retirement	ADJ
fsr-3858	102	25	consumption	consumption	NOUN
fsr-3858	102	26	level	level	NOUN
fsr-3858	102	27	during	during	ADP
fsr-3858	102	28	retirement	retirement	NOUN
fsr-3858	102	29	.	.	PUNCT
fsr-3858	103	1	retirement	retirement	NOUN
fsr-3858	103	2	age	age	NOUN
fsr-3858	103	3	is	be	AUX
fsr-3858	103	4	found	find	VERB
fsr-3858	103	5	to	to	PART
fsr-3858	103	6	be	be	AUX
fsr-3858	103	7	an	an	DET
fsr-3858	103	8	important	important	ADJ
fsr-3858	103	9	factor	factor	NOUN
fsr-3858	103	10	affecting	affect	VERB
fsr-3858	103	11	retirement	retirement	NOUN
fsr-3858	103	12	wealth	wealth	NOUN
fsr-3858	103	13	adequacy	adequacy	NOUN
fsr-3858	103	14	.	.	PUNCT
fsr-3858	104	1	being	be	AUX
fsr-3858	104	2	white	white	ADJ
fsr-3858	104	3	,	,	PUNCT
fsr-3858	104	4	having	have	VERB
fsr-3858	104	5	a	a	DET
fsr-3858	104	6	longer	long	ADJ
fsr-3858	104	7	planning	planning	NOUN
fsr-3858	104	8	horizon	horizon	NOUN
fsr-3858	104	9	,	,	PUNCT
fsr-3858	104	10	planning	plan	VERB
fsr-3858	104	11	to	to	PART
fsr-3858	104	12	retire	retire	VERB
fsr-3858	104	13	at	at	ADP
fsr-3858	104	14	age	age	NOUN
fsr-3858	104	15	65	65	NUM
fsr-3858	104	16	or	or	CCONJ
fsr-3858	104	17	later	later	ADV
fsr-3858	104	18	,	,	PUNCT
fsr-3858	104	19	and	and	CCONJ
fsr-3858	104	20	asset	asset	NOUN
fsr-3858	104	21	ownership	ownership	NOUN
fsr-3858	104	22	all	all	PRON
fsr-3858	104	23	increase	increase	VERB
fsr-3858	104	24	the	the	DET
fsr-3858	104	25	probability	probability	NOUN
fsr-3858	104	26	of	of	ADP
fsr-3858	104	27	having	have	VERB
fsr-3858	104	28	adequate	adequate	ADJ
fsr-3858	104	29	retirement	retirement	NOUN
fsr-3858	104	30	wealth	wealth	NOUN
fsr-3858	104	31	.	.	PUNCT
fsr-3858	105	1	yuh	yuh	PROPN
fsr-3858	105	2	et	et	PROPN
fsr-3858	105	3	al	al	PROPN
fsr-3858	105	4	.	.	PROPN
fsr-3858	106	1	(	(	PUNCT
fsr-3858	106	2	1998	1998	NUM
fsr-3858	106	3	)	)	PUNCT
fsr-3858	106	4	use	use	VERB
fsr-3858	106	5	data	datum	NOUN
fsr-3858	106	6	from	from	ADP
fsr-3858	106	7	the	the	DET
fsr-3858	106	8	1995	1995	NUM
fsr-3858	106	9	survey	survey	NOUN
fsr-3858	106	10	of	of	ADP
fsr-3858	106	11	consumer	consumer	NOUN
fsr-3858	106	12	finances	finance	NOUN
fsr-3858	106	13	to	to	PART
fsr-3858	106	14	analyze	analyze	VERB
fsr-3858	106	15	retirement	retirement	NOUN
fsr-3858	106	16	adequacy	adequacy	NOUN
fsr-3858	106	17	of	of	ADP
fsr-3858	106	18	pre	pre	ADJ
fsr-3858	106	19	-	-	ADJ
fsr-3858	106	20	retired	retired	ADJ
fsr-3858	106	21	households	household	NOUN
fsr-3858	106	22	and	and	CCONJ
fsr-3858	106	23	estimate	estimate	VERB
fsr-3858	106	24	that	that	SCONJ
fsr-3858	106	25	slightly	slightly	ADV
fsr-3858	106	26	more	more	ADJ
fsr-3858	106	27	than	than	ADP
fsr-3858	106	28	half	half	NOUN
fsr-3858	106	29	of	of	ADP
fsr-3858	106	30	these	these	DET
fsr-3858	106	31	households	household	NOUN
fsr-3858	106	32	will	will	AUX
fsr-3858	106	33	be	be	AUX
fsr-3858	106	34	able	able	ADJ
fsr-3858	106	35	to	to	PART
fsr-3858	106	36	maintain	maintain	VERB
fsr-3858	106	37	the	the	DET
fsr-3858	106	38	preretirement	preretirement	ADJ
fsr-3858	106	39	consumption	consumption	NOUN
fsr-3858	106	40	level	level	NOUN
fsr-3858	106	41	during	during	ADP
fsr-3858	106	42	the	the	DET
fsr-3858	106	43	years	year	NOUN
fsr-3858	106	44	following	follow	VERB
fsr-3858	106	45	retirement	retirement	NOUN
fsr-3858	106	46	.	.	PUNCT
fsr-3858	107	1	the	the	DET
fsr-3858	107	2	probability	probability	NOUN
fsr-3858	107	3	of	of	ADP
fsr-3858	107	4	having	have	VERB
fsr-3858	107	5	adequate	adequate	ADJ
fsr-3858	107	6	retirement	retirement	NOUN
fsr-3858	107	7	wealth	wealth	NOUN
fsr-3858	107	8	is	be	AUX
fsr-3858	107	9	found	find	VERB
fsr-3858	107	10	to	to	PART
fsr-3858	107	11	increase	increase	VERB
fsr-3858	107	12	with	with	ADP
fsr-3858	107	13	income	income	NOUN
fsr-3858	107	14	,	,	PUNCT
fsr-3858	107	15	to	to	PART
fsr-3858	107	16	be	be	AUX
fsr-3858	107	17	higher	high	ADJ
fsr-3858	107	18	for	for	ADP
fsr-3858	107	19	households	household	NOUN
fsr-3858	107	20	that	that	PRON
fsr-3858	107	21	have	have	AUX
fsr-3858	107	22	defined	define	VERB
fsr-3858	107	23	benefit	benefit	NOUN
fsr-3858	107	24	or	or	CCONJ
fsr-3858	107	25	defined	define	VERB
fsr-3858	107	26	contribution	contribution	NOUN
fsr-3858	107	27	pension	pension	NOUN
fsr-3858	107	28	plans	plan	NOUN
fsr-3858	107	29	,	,	PUNCT
fsr-3858	107	30	and	and	CCONJ
fsr-3858	107	31	for	for	ADP
fsr-3858	107	32	households	household	NOUN
fsr-3858	107	33	that	that	PRON
fsr-3858	107	34	own	own	VERB
fsr-3858	107	35	their	their	PRON
fsr-3858	107	36	home	home	NOUN
fsr-3858	107	37	mortgage	mortgage	NOUN
fsr-3858	107	38	free	free	ADJ
fsr-3858	107	39	.	.	PUNCT
fsr-3858	108	1	the	the	DET
fsr-3858	108	2	two	two	NUM
fsr-3858	108	3	most	most	ADV
fsr-3858	108	4	important	important	ADJ
fsr-3858	108	5	factors	factor	NOUN
fsr-3858	108	6	related	relate	VERB
fsr-3858	108	7	to	to	ADP
fsr-3858	108	8	retirement	retirement	NOUN
fsr-3858	108	9	wealth	wealth	NOUN
fsr-3858	108	10	adequacy	adequacy	NOUN
fsr-3858	108	11	are	be	AUX
fsr-3858	108	12	planned	plan	VERB
fsr-3858	108	13	retirement	retirement	NOUN
fsr-3858	108	14	age	age	NOUN
fsr-3858	108	15	of	of	ADP
fsr-3858	108	16	the	the	DET
fsr-3858	108	17	householder	householder	NOUN
fsr-3858	108	18	and	and	CCONJ
fsr-3858	108	19	household	household	NOUN
fsr-3858	108	20	spending	spending	NOUN
fsr-3858	108	21	behavior	behavior	NOUN
fsr-3858	108	22	.	.	PUNCT
fsr-3858	109	1	planned	plan	VERB
fsr-3858	109	2	retirement	retirement	NOUN
fsr-3858	109	3	age	age	NOUN
fsr-3858	109	4	is	be	AUX
fsr-3858	109	5	positively	positively	ADV
fsr-3858	109	6	related	relate	VERB
fsr-3858	109	7	to	to	ADP
fsr-3858	109	8	the	the	DET
fsr-3858	109	9	probability	probability	NOUN
fsr-3858	109	10	of	of	ADP
fsr-3858	109	11	adequate	adequate	ADJ
fsr-3858	109	12	retirement	retirement	NOUN
fsr-3858	109	13	wealth	wealth	NOUN
fsr-3858	109	14	.	.	PUNCT
fsr-3858	110	1	spending	spend	VERB
fsr-3858	110	2	at	at	ADV
fsr-3858	110	3	least	least	ADJ
fsr-3858	110	4	as	as	ADV
fsr-3858	110	5	much	much	ADJ
fsr-3858	110	6	as	as	SCONJ
fsr-3858	110	7	household	household	NOUN
fsr-3858	110	8	income	income	NOUN
fsr-3858	110	9	decreases	decrease	VERB
fsr-3858	110	10	the	the	DET
fsr-3858	110	11	probability	probability	NOUN
fsr-3858	110	12	of	of	ADP
fsr-3858	110	13	adequate	adequate	ADJ
fsr-3858	110	14	retirement	retirement	NOUN
fsr-3858	110	15	wealth	wealth	NOUN
fsr-3858	110	16	.	.	PUNCT
fsr-3858	111	1	a	a	DET
fsr-3858	111	2	common	common	ADJ
fsr-3858	111	3	limitation	limitation	NOUN
fsr-3858	111	4	that	that	PRON
fsr-3858	111	5	cuts	cut	VERB
fsr-3858	111	6	across	across	ADP
fsr-3858	111	7	previous	previous	ADJ
fsr-3858	111	8	research	research	NOUN
fsr-3858	111	9	on	on	ADP
fsr-3858	111	10	retirement	retirement	NOUN
fsr-3858	111	11	adequacy	adequacy	NOUN
fsr-3858	111	12	is	be	AUX
fsr-3858	111	13	uniform	uniform	ADJ
fsr-3858	111	14	assumptions	assumption	NOUN
fsr-3858	111	15	that	that	PRON
fsr-3858	111	16	do	do	AUX
fsr-3858	111	17	not	not	PART
fsr-3858	111	18	allow	allow	VERB
fsr-3858	111	19	for	for	ADP
fsr-3858	111	20	variation	variation	NOUN
fsr-3858	111	21	across	across	ADP
fsr-3858	111	22	households	household	NOUN
fsr-3858	111	23	.	.	PUNCT
fsr-3858	112	1	these	these	DET
fsr-3858	112	2	assumptions	assumption	NOUN
fsr-3858	112	3	often	often	ADV
fsr-3858	112	4	relate	relate	VERB
fsr-3858	112	5	to	to	ADP
fsr-3858	112	6	planned	plan	VERB
fsr-3858	112	7	retirement	retirement	NOUN
fsr-3858	112	8	age	age	NOUN
fsr-3858	112	9	,	,	PUNCT
fsr-3858	112	10	portfolio	portfolio	NOUN
fsr-3858	112	11	allocation	allocation	NOUN
fsr-3858	112	12	,	,	PUNCT
fsr-3858	112	13	growth	growth	NOUN
fsr-3858	112	14	rates	rate	NOUN
fsr-3858	112	15	for	for	ADP
fsr-3858	112	16	assets	asset	NOUN
fsr-3858	112	17	,	,	PUNCT
fsr-3858	112	18	and	and	CCONJ
fsr-3858	112	19	retirement	retirement	NOUN
fsr-3858	112	20	needs	need	NOUN
fsr-3858	112	21	.	.	PUNCT
fsr-3858	113	1	by	by	ADP
fsr-3858	113	2	not	not	PART
fsr-3858	113	3	allowing	allow	VERB
fsr-3858	113	4	for	for	ADP
fsr-3858	113	5	variation	variation	NOUN
fsr-3858	113	6	across	across	ADP
fsr-3858	113	7	households	household	NOUN
fsr-3858	113	8	,	,	PUNCT
fsr-3858	113	9	the	the	DET
fsr-3858	113	10	corresponding	corresponding	ADJ
fsr-3858	113	11	estimates	estimate	NOUN
fsr-3858	113	12	of	of	ADP
fsr-3858	113	13	retirement	retirement	NOUN
fsr-3858	113	14	adequacy	adequacy	NOUN
fsr-3858	113	15	are	be	AUX
fsr-3858	113	16	prone	prone	ADJ
fsr-3858	113	17	to	to	ADP
fsr-3858	113	18	over	over	ADV
fsr-3858	113	19	or	or	CCONJ
fsr-3858	113	20	under	under	ADP
fsr-3858	113	21	represent	represent	VERB
fsr-3858	113	22	actual	actual	ADJ
fsr-3858	113	23	adequacy	adequacy	NOUN
fsr-3858	113	24	.	.	PUNCT
fsr-3858	114	1	for	for	ADP
fsr-3858	114	2	example	example	NOUN
fsr-3858	114	3	,	,	PUNCT
fsr-3858	114	4	planned	plan	VERB
fsr-3858	114	5	retirement	retirement	NOUN
fsr-3858	114	6	age	age	NOUN
fsr-3858	114	7	affects	affect	VERB
fsr-3858	114	8	both	both	CCONJ
fsr-3858	114	9	the	the	DET
fsr-3858	114	10	amount	amount	NOUN
fsr-3858	114	11	of	of	ADP
fsr-3858	114	12	time	time	NOUN
fsr-3858	114	13	prior	prior	ADV
fsr-3858	114	14	to	to	ADP
fsr-3858	114	15	retirement	retirement	NOUN
fsr-3858	114	16	during	during	ADP
fsr-3858	114	17	which	which	PRON
fsr-3858	114	18	assets	asset	NOUN
fsr-3858	114	19	accumulate	accumulate	VERB
fsr-3858	114	20	as	as	ADV
fsr-3858	114	21	well	well	ADV
fsr-3858	114	22	as	as	ADP
fsr-3858	114	23	the	the	DET
fsr-3858	114	24	amount	amount	NOUN
fsr-3858	114	25	of	of	ADP
fsr-3858	114	26	time	time	NOUN
fsr-3858	114	27	that	that	PRON
fsr-3858	114	28	will	will	AUX
fsr-3858	114	29	be	be	AUX
fsr-3858	114	30	spent	spend	VERB
fsr-3858	114	31	after	after	ADP
fsr-3858	114	32	retirement	retirement	NOUN
fsr-3858	114	33	.	.	PUNCT
fsr-3858	115	1	retirement	retirement	NOUN
fsr-3858	115	2	at	at	ADP
fsr-3858	115	3	later	later	ADJ
fsr-3858	115	4	ages	age	NOUN
fsr-3858	115	5	,	,	PUNCT
fsr-3858	115	6	ceteris	ceteris	NOUN
fsr-3858	115	7	paribus	paribus	NOUN
fsr-3858	115	8	,	,	PUNCT
fsr-3858	115	9	increases	increase	VERB
fsr-3858	115	10	the	the	DET
fsr-3858	115	11	time	time	NOUN
fsr-3858	115	12	over	over	ADP
fsr-3858	115	13	which	which	PRON
fsr-3858	115	14	assets	asset	NOUN
fsr-3858	115	15	accumulate	accumulate	VERB
fsr-3858	115	16	(	(	PUNCT
fsr-3858	115	17	thus	thus	ADV
fsr-3858	115	18	increasing	increase	VERB
fsr-3858	115	19	retirement	retirement	NOUN
fsr-3858	115	20	resources	resource	NOUN
fsr-3858	115	21	)	)	PUNCT
fsr-3858	115	22	,	,	PUNCT
fsr-3858	115	23	as	as	ADV
fsr-3858	115	24	well	well	ADV
fsr-3858	115	25	as	as	ADP
fsr-3858	115	26	decreases	decrease	VERB
fsr-3858	115	27	the	the	DET
fsr-3858	115	28	amount	amount	NOUN
fsr-3858	115	29	of	of	ADP
fsr-3858	115	30	time	time	NOUN
fsr-3858	115	31	spent	spend	VERB
fsr-3858	115	32	after	after	ADP
fsr-3858	115	33	retirement	retirement	NOUN
fsr-3858	115	34	(	(	PUNCT
fsr-3858	115	35	thus	thus	ADV
fsr-3858	115	36	decreasing	decrease	VERB
fsr-3858	115	37	retirement	retirement	NOUN
fsr-3858	115	38	needs	need	NOUN
fsr-3858	115	39	)	)	PUNCT
fsr-3858	115	40	.	.	PUNCT
fsr-3858	116	1	both	both	PRON
fsr-3858	116	2	of	of	ADP
fsr-3858	116	3	these	these	DET
fsr-3858	116	4	factors	factor	NOUN
fsr-3858	116	5	would	would	AUX
fsr-3858	116	6	influence	influence	VERB
fsr-3858	116	7	the	the	DET
fsr-3858	116	8	measure	measure	NOUN
fsr-3858	116	9	of	of	ADP
fsr-3858	116	10	retirement	retirement	NOUN
fsr-3858	116	11	adequacy	adequacy	NOUN
fsr-3858	116	12	.	.	PUNCT
fsr-3858	117	1	therefore	therefore	ADV
fsr-3858	117	2	,	,	PUNCT
fsr-3858	117	3	planned	plan	VERB
fsr-3858	117	4	retirement	retirement	NOUN
fsr-3858	117	5	age	age	NOUN
fsr-3858	117	6	is	be	AUX
fsr-3858	117	7	an	an	DET
fsr-3858	117	8	important	important	ADJ
fsr-3858	117	9	variable	variable	NOUN
fsr-3858	117	10	in	in	ADP
fsr-3858	117	11	estimation	estimation	NOUN
fsr-3858	117	12	of	of	ADP
fsr-3858	117	13	retirement	retirement	NOUN
fsr-3858	117	14	adequacy	adequacy	NOUN
fsr-3858	117	15	,	,	PUNCT
fsr-3858	117	16	and	and	CCONJ
fsr-3858	117	17	information	information	NOUN
fsr-3858	117	18	on	on	ADP
fsr-3858	117	19	the	the	DET
fsr-3858	117	20	actual	actual	ADJ
fsr-3858	117	21	planned	plan	VERB
fsr-3858	117	22	retirement	retirement	NOUN
fsr-3858	117	23	age	age	NOUN
fsr-3858	117	24	should	should	AUX
fsr-3858	117	25	be	be	AUX
fsr-3858	117	26	used	use	VERB
fsr-3858	117	27	instead	instead	ADV
fsr-3858	117	28	of	of	ADP
fsr-3858	117	29	assuming	assume	VERB
fsr-3858	117	30	retirement	retirement	NOUN
fsr-3858	117	31	at	at	ADP
fsr-3858	117	32	given	give	VERB
fsr-3858	117	33	ages	age	NOUN
fsr-3858	117	34	.	.	PUNCT
fsr-3858	118	1	similarly	similarly	ADV
fsr-3858	118	2	,	,	PUNCT
fsr-3858	118	3	household	household	NOUN
fsr-3858	118	4	specific	specific	ADJ
fsr-3858	118	5	information	information	NOUN
fsr-3858	118	6	on	on	ADP
fsr-3858	118	7	portfolio	portfolio	NOUN
fsr-3858	118	8	allocation	allocation	NOUN
fsr-3858	118	9	and	and	CCONJ
fsr-3858	118	10	retirement	retirement	NOUN
fsr-3858	118	11	needs	need	NOUN
fsr-3858	118	12	,	,	PUNCT
fsr-3858	118	13	as	as	ADV
fsr-3858	118	14	well	well	ADV
fsr-3858	118	15	as	as	ADP
fsr-3858	118	16	asset	asset	NOUN
fsr-3858	118	17	specific	specific	ADJ
fsr-3858	118	18	growth	growth	NOUN
fsr-3858	118	19	rates	rate	NOUN
fsr-3858	118	20	,	,	PUNCT
fsr-3858	118	21	will	will	AUX
fsr-3858	118	22	improve	improve	VERB
fsr-3858	118	23	the	the	DET
fsr-3858	118	24	accuracy	accuracy	NOUN
fsr-3858	118	25	of	of	ADP
fsr-3858	118	26	estimates	estimate	NOUN
fsr-3858	118	27	of	of	ADP
fsr-3858	118	28	retirement	retirement	NOUN
fsr-3858	118	29	wealth	wealth	NOUN
fsr-3858	118	30	adequacy	adequacy	NOUN
fsr-3858	118	31	.	.	PUNCT
fsr-3858	119	1	this	this	DET
fsr-3858	119	2	study	study	NOUN
fsr-3858	119	3	addresses	address	VERB
fsr-3858	119	4	several	several	ADJ
fsr-3858	119	5	of	of	ADP
fsr-3858	119	6	these	these	DET
fsr-3858	119	7	limitations	limitation	NOUN
fsr-3858	119	8	.	.	PUNCT
fsr-3858	120	1	in	in	ADP
fsr-3858	120	2	contrast	contrast	NOUN
fsr-3858	120	3	to	to	ADP
fsr-3858	120	4	previous	previous	ADJ
fsr-3858	120	5	studies	study	NOUN
fsr-3858	120	6	,	,	PUNCT
fsr-3858	120	7	house179y	house179y	NOUN
fsr-3858	120	8	.	.	PUNCT
fsr-3858	121	1	yuh	yuh	PROPN
fsr-3858	121	2	et	et	PROPN
fsr-3858	121	3	al	al	PROPN
fsr-3858	121	4	.	.	PUNCT
fsr-3858	121	5	/	/	SYM
fsr-3858	121	6	financial	financial	ADJ
fsr-3858	121	7	services	service	NOUN
fsr-3858	121	8	review	review	VERB
fsr-3858	121	9	7	7	NUM
fsr-3858	121	10	(	(	PUNCT
fsr-3858	121	11	1998	1998	NUM
fsr-3858	121	12	)	)	PUNCT
fsr-3858	122	1	175–193	175–193	NUM
fsr-3858	122	2	hold	hold	VERB
fsr-3858	122	3	specific	specific	ADJ
fsr-3858	122	4	information	information	NOUN
fsr-3858	122	5	on	on	ADP
fsr-3858	122	6	planned	plan	VERB
fsr-3858	122	7	retirement	retirement	NOUN
fsr-3858	122	8	age	age	NOUN
fsr-3858	122	9	,	,	PUNCT
fsr-3858	122	10	portfolio	portfolio	NOUN
fsr-3858	122	11	allocation	allocation	NOUN
fsr-3858	122	12	,	,	PUNCT
fsr-3858	122	13	and	and	CCONJ
fsr-3858	122	14	asset	asset	NOUN
fsr-3858	122	15	specific	specific	ADJ
fsr-3858	122	16	growth	growth	NOUN
fsr-3858	122	17	rates	rate	NOUN
fsr-3858	122	18	are	be	AUX
fsr-3858	122	19	used	use	VERB
fsr-3858	122	20	to	to	PART
fsr-3858	122	21	project	project	VERB
fsr-3858	122	22	retirement	retirement	NOUN
fsr-3858	122	23	wealth	wealth	NOUN
fsr-3858	122	24	.	.	PUNCT
fsr-3858	123	1	rather	rather	ADV
fsr-3858	123	2	than	than	ADP
fsr-3858	123	3	using	use	VERB
fsr-3858	123	4	set	set	VERB
fsr-3858	123	5	replacement	replacement	NOUN
fsr-3858	123	6	rates	rate	NOUN
fsr-3858	123	7	,	,	PUNCT
fsr-3858	123	8	household	household	NOUN
fsr-3858	123	9	expenditure	expenditure	NOUN
fsr-3858	123	10	functions	function	NOUN
fsr-3858	123	11	are	be	AUX
fsr-3858	123	12	used	use	VERB
fsr-3858	123	13	to	to	PART
fsr-3858	123	14	estimate	estimate	VERB
fsr-3858	123	15	retirement	retirement	NOUN
fsr-3858	123	16	needs	need	NOUN
fsr-3858	123	17	.	.	PUNCT
fsr-3858	124	1	the	the	DET
fsr-3858	124	2	ratio	ratio	NOUN
fsr-3858	124	3	of	of	ADP
fsr-3858	124	4	projected	project	VERB
fsr-3858	124	5	wealth	wealth	NOUN
fsr-3858	124	6	to	to	PART
fsr-3858	124	7	needs	need	VERB
fsr-3858	124	8	at	at	ADP
fsr-3858	124	9	retirement	retirement	NOUN
fsr-3858	124	10	,	,	PUNCT
fsr-3858	124	11	a	a	DET
fsr-3858	124	12	continuous	continuous	ADJ
fsr-3858	124	13	measure	measure	NOUN
fsr-3858	124	14	of	of	ADP
fsr-3858	124	15	wealth	wealth	NOUN
fsr-3858	124	16	adequacy	adequacy	NOUN
fsr-3858	124	17	,	,	PUNCT
fsr-3858	124	18	is	be	AUX
fsr-3858	124	19	analyzed	analyze	VERB
fsr-3858	124	20	in	in	ADP
fsr-3858	124	21	contrast	contrast	NOUN
fsr-3858	124	22	to	to	ADP
fsr-3858	124	23	dichotomous	dichotomous	ADJ
fsr-3858	124	24	indicators	indicator	NOUN
fsr-3858	124	25	analyzed	analyze	VERB
fsr-3858	124	26	in	in	ADP
fsr-3858	124	27	previous	previous	ADJ
fsr-3858	124	28	work	work	NOUN
fsr-3858	124	29	(	(	PUNCT
fsr-3858	124	30	li	li	PROPN
fsr-3858	124	31	et	et	PROPN
fsr-3858	124	32	al	al	PROPN
fsr-3858	124	33	.	.	PROPN
fsr-3858	124	34	,	,	PUNCT
fsr-3858	124	35	1996	1996	NUM
fsr-3858	124	36	;	;	PUNCT
fsr-3858	124	37	yuh	yuh	PROPN
fsr-3858	124	38	et	et	PROPN
fsr-3858	124	39	al	al	PROPN
fsr-3858	124	40	.	.	PROPN
fsr-3858	124	41	,	,	PUNCT
fsr-3858	124	42	1998).the	1998).the	NUM
fsr-3858	124	43	adequacy	adequacy	NOUN
fsr-3858	124	44	of	of	ADP
fsr-3858	124	45	retirement	retirement	NOUN
fsr-3858	124	46	wealth	wealth	NOUN
fsr-3858	124	47	is	be	AUX
fsr-3858	124	48	analyzed	analyze	VERB
fsr-3858	124	49	based	base	VERB
fsr-3858	124	50	on	on	ADP
fsr-3858	124	51	both	both	PRON
fsr-3858	124	52	mean	mean	ADJ
fsr-3858	124	53	and	and	CCONJ
fsr-3858	124	54	pessimistic	pessimistic	ADJ
fsr-3858	124	55	projections	projection	NOUN
fsr-3858	124	56	of	of	ADP
fsr-3858	124	57	asset	asset	NOUN
fsr-3858	124	58	growth	growth	NOUN
fsr-3858	124	59	in	in	ADP
fsr-3858	124	60	order	order	NOUN
fsr-3858	124	61	to	to	PART
fsr-3858	124	62	consider	consider	VERB
fsr-3858	124	63	the	the	DET
fsr-3858	124	64	range	range	NOUN
fsr-3858	124	65	of	of	ADP
fsr-3858	124	66	possibilities	possibility	NOUN
fsr-3858	124	67	.	.	PUNCT
fsr-3858	125	1	2.2	2.2	NUM
fsr-3858	125	2	.	.	PUNCT
fsr-3858	125	3	conceptual	conceptual	ADJ
fsr-3858	125	4	framework	framework	NOUN
fsr-3858	125	5	under	under	ADP
fsr-3858	125	6	a	a	DET
fsr-3858	125	7	life	life	NOUN
fsr-3858	125	8	cycle	cycle	NOUN
fsr-3858	125	9	model	model	NOUN
fsr-3858	125	10	,	,	PUNCT
fsr-3858	125	11	assets	asset	NOUN
fsr-3858	125	12	are	be	AUX
fsr-3858	125	13	accumulated	accumulate	VERB
fsr-3858	125	14	during	during	ADP
fsr-3858	125	15	an	an	DET
fsr-3858	125	16	individual	individual	NOUN
fsr-3858	125	17	’s	’s	PART
fsr-3858	125	18	work	work	NOUN
fsr-3858	125	19	life	life	NOUN
fsr-3858	125	20	mainly	mainly	ADV
fsr-3858	125	21	to	to	PART
fsr-3858	125	22	finance	finance	VERB
fsr-3858	125	23	consumption	consumption	NOUN
fsr-3858	125	24	after	after	ADP
fsr-3858	125	25	retirement	retirement	NOUN
fsr-3858	125	26	when	when	SCONJ
fsr-3858	125	27	earned	earn	VERB
fsr-3858	125	28	income	income	NOUN
fsr-3858	125	29	is	be	AUX
fsr-3858	125	30	reduced	reduce	VERB
fsr-3858	125	31	.	.	PUNCT
fsr-3858	126	1	a	a	DET
fsr-3858	126	2	generally	generally	ADV
fsr-3858	126	3	accepted	accept	VERB
fsr-3858	126	4	goal	goal	NOUN
fsr-3858	126	5	of	of	ADP
fsr-3858	126	6	retirement	retirement	NOUN
fsr-3858	126	7	planning	planning	NOUN
fsr-3858	126	8	is	be	AUX
fsr-3858	126	9	to	to	PART
fsr-3858	126	10	provide	provide	VERB
fsr-3858	126	11	enough	enough	ADJ
fsr-3858	126	12	income	income	NOUN
fsr-3858	126	13	in	in	ADP
fsr-3858	126	14	retirement	retirement	NOUN
fsr-3858	126	15	to	to	PART
fsr-3858	126	16	prevent	prevent	VERB
fsr-3858	126	17	the	the	DET
fsr-3858	126	18	level	level	NOUN
fsr-3858	126	19	of	of	ADP
fsr-3858	126	20	living	live	VERB
fsr-3858	126	21	from	from	ADP
fsr-3858	126	22	dropping	drop	VERB
fsr-3858	126	23	much	much	ADV
fsr-3858	126	24	below	below	ADP
fsr-3858	126	25	the	the	DET
fsr-3858	126	26	preretirement	preretirement	ADJ
fsr-3858	126	27	level	level	NOUN
fsr-3858	126	28	(	(	PUNCT
fsr-3858	126	29	schulz	schulz	PROPN
fsr-3858	126	30	,	,	PUNCT
fsr-3858	126	31	1992	1992	NUM
fsr-3858	126	32	)	)	PUNCT
fsr-3858	126	33	.	.	PUNCT
fsr-3858	127	1	thus	thus	ADV
fsr-3858	127	2	,	,	PUNCT
fsr-3858	127	3	retirement	retirement	NOUN
fsr-3858	127	4	wealth	wealth	NOUN
fsr-3858	127	5	can	can	AUX
fsr-3858	127	6	be	be	AUX
fsr-3858	127	7	defined	define	VERB
fsr-3858	127	8	asadequateif	asadequateif	ADJ
fsr-3858	127	9	total	total	ADJ
fsr-3858	127	10	retirement	retirement	NOUN
fsr-3858	127	11	income	income	NOUN
fsr-3858	127	12	is	be	AUX
fsr-3858	127	13	equal	equal	ADJ
fsr-3858	127	14	to	to	ADP
fsr-3858	127	15	or	or	CCONJ
fsr-3858	127	16	greater	great	ADJ
fsr-3858	127	17	than	than	ADP
fsr-3858	127	18	the	the	DET
fsr-3858	127	19	total	total	ADJ
fsr-3858	127	20	desired	desire	VERB
fsr-3858	127	21	retirement	retirement	NOUN
fsr-3858	127	22	consumption	consumption	NOUN
fsr-3858	127	23	level	level	NOUN
fsr-3858	127	24	(	(	PUNCT
fsr-3858	127	25	cf	cf	NOUN
fsr-3858	127	26	.	.	PUNCT
fsr-3858	127	27	hatcher	hatcher	PROPN
fsr-3858	127	28	,	,	PUNCT
fsr-3858	127	29	1997	1997	NUM
fsr-3858	127	30	)	)	PUNCT
fsr-3858	127	31	.	.	PUNCT
fsr-3858	128	1	the	the	DET
fsr-3858	128	2	desired	desire	VERB
fsr-3858	128	3	retirement	retirement	NOUN
fsr-3858	128	4	level	level	NOUN
fsr-3858	128	5	of	of	ADP
fsr-3858	128	6	living	living	NOUN
fsr-3858	128	7	can	can	AUX
fsr-3858	128	8	be	be	AUX
fsr-3858	128	9	estimated	estimate	VERB
fsr-3858	128	10	from	from	ADP
fsr-3858	128	11	information	information	NOUN
fsr-3858	128	12	on	on	ADP
fsr-3858	128	13	the	the	DET
fsr-3858	128	14	preretirement	preretirement	ADJ
fsr-3858	128	15	level	level	NOUN
fsr-3858	128	16	of	of	ADP
fsr-3858	128	17	living	living	NOUN
fsr-3858	128	18	,	,	PUNCT
fsr-3858	128	19	assuming	assume	VERB
fsr-3858	128	20	that	that	SCONJ
fsr-3858	128	21	individuals	individual	NOUN
fsr-3858	128	22	would	would	AUX
fsr-3858	128	23	like	like	VERB
fsr-3858	128	24	the	the	DET
fsr-3858	128	25	same	same	ADJ
fsr-3858	128	26	consumption	consumption	NOUN
fsr-3858	128	27	level	level	NOUN
fsr-3858	128	28	after	after	ADP
fsr-3858	128	29	retirement	retirement	NOUN
fsr-3858	128	30	as	as	ADP
fsr-3858	128	31	before	before	ADP
fsr-3858	128	32	retirement	retirement	NOUN
fsr-3858	128	33	.	.	PUNCT
fsr-3858	129	1	retirement	retirement	NOUN
fsr-3858	129	2	wealth	wealth	NOUN
fsr-3858	129	3	adequacy	adequacy	NOUN
fsr-3858	129	4	at	at	ADP
fsr-3858	129	5	the	the	DET
fsr-3858	129	6	point	point	NOUN
fsr-3858	129	7	of	of	ADP
fsr-3858	129	8	retirement	retirement	NOUN
fsr-3858	129	9	(	(	PUNCT
fsr-3858	129	10	age	age	NOUN
fsr-3858	129	11	r	r	NOUN
fsr-3858	129	12	)	)	PUNCT
fsr-3858	129	13	can	can	AUX
fsr-3858	129	14	be	be	AUX
fsr-3858	129	15	defined	define	VERB
fsr-3858	129	16	as	as	SCONJ
fsr-3858	129	17	follows	follow	VERB
fsr-3858	129	18	:	:	PUNCT
fsr-3858	129	19	ar	ar	PROPN
fsr-3858	129	20	1	1	NUM
fsr-3858	129	21	o	o	NOUN
fsr-3858	129	22	t51	t51	VERB
fsr-3858	129	23	t2r	t2r	NOUN
fsr-3858	129	24	bt	bt	PROPN
fsr-3858	129	25	/(1	/(1	PROPN
fsr-3858	129	26	1	1	NUM
fsr-3858	129	27	r)t	r)t	ADP
fsr-3858	129	28	$	$	SYM
fsr-3858	129	29	o	o	NOUN
fsr-3858	129	30	t51	t51	VERB
fsr-3858	129	31	t2r	t2r	NOUN
fsr-3858	129	32	ct	ct	PROPN
fsr-3858	129	33	/(1	/(1	SYM
fsr-3858	129	34	1	1	NUM
fsr-3858	129	35	r)t	r)t	X
fsr-3858	129	36	(	(	PUNCT
fsr-3858	129	37	1	1	X
fsr-3858	129	38	)	)	PUNCT
fsr-3858	129	39	where	where	SCONJ
fsr-3858	129	40	ar	ar	PROPN
fsr-3858	129	41	5	5	NUM
fsr-3858	129	42	total	total	ADJ
fsr-3858	129	43	asset	asset	NOUN
fsr-3858	129	44	accumulation	accumulation	NOUN
fsr-3858	129	45	upon	upon	SCONJ
fsr-3858	129	46	retirement	retirement	NOUN
fsr-3858	129	47	(	(	PUNCT
fsr-3858	129	48	age	age	NOUN
fsr-3858	129	49	r	r	NOUN
fsr-3858	129	50	)	)	PUNCT
fsr-3858	129	51	,	,	PUNCT
fsr-3858	129	52	bt	bt	PROPN
fsr-3858	129	53	5	5	NUM
fsr-3858	129	54	pension	pension	NOUN
fsr-3858	129	55	income	income	NOUN
fsr-3858	129	56	at	at	ADP
fsr-3858	129	57	age	age	NOUN
fsr-3858	129	58	t	t	PROPN
fsr-3858	129	59	,	,	PUNCT
fsr-3858	129	60	ct	ct	NUM
fsr-3858	129	61	5	5	NUM
fsr-3858	129	62	consumption	consumption	NOUN
fsr-3858	129	63	level	level	NOUN
fsr-3858	129	64	at	at	ADP
fsr-3858	129	65	age	age	NOUN
fsr-3858	129	66	t	t	PROPN
fsr-3858	129	67	,	,	PUNCT
fsr-3858	129	68	r	r	NOUN
fsr-3858	129	69	5	5	NUM
fsr-3858	129	70	retirement	retirement	NOUN
fsr-3858	129	71	age	age	NOUN
fsr-3858	129	72	,	,	PUNCT
fsr-3858	129	73	and	and	CCONJ
fsr-3858	129	74	t	t	PROPN
fsr-3858	129	75	5	5	NUM
fsr-3858	129	76	age	age	NOUN
fsr-3858	129	77	at	at	ADP
fsr-3858	129	78	death	death	NOUN
fsr-3858	129	79	.	.	PUNCT
fsr-3858	130	1	according	accord	VERB
fsr-3858	130	2	to	to	ADP
fsr-3858	130	3	this	this	DET
fsr-3858	130	4	equation	equation	NOUN
fsr-3858	130	5	,	,	PUNCT
fsr-3858	130	6	retirement	retirement	NOUN
fsr-3858	130	7	wealth	wealth	NOUN
fsr-3858	130	8	at	at	ADP
fsr-3858	130	9	the	the	DET
fsr-3858	130	10	point	point	NOUN
fsr-3858	130	11	of	of	ADP
fsr-3858	130	12	retirement	retirement	NOUN
fsr-3858	130	13	is	be	AUX
fsr-3858	130	14	adequate	adequate	ADJ
fsr-3858	130	15	if	if	SCONJ
fsr-3858	130	16	the	the	DET
fsr-3858	130	17	sum	sum	NOUN
fsr-3858	130	18	of	of	ADP
fsr-3858	130	19	the	the	DET
fsr-3858	130	20	accumulated	accumulate	VERB
fsr-3858	130	21	assets	asset	NOUN
fsr-3858	130	22	plus	plus	CCONJ
fsr-3858	130	23	the	the	DET
fsr-3858	130	24	present	present	ADJ
fsr-3858	130	25	value	value	NOUN
fsr-3858	130	26	of	of	ADP
fsr-3858	130	27	pension	pension	NOUN
fsr-3858	130	28	income	income	NOUN
fsr-3858	130	29	(	(	PUNCT
fsr-3858	130	30	including	include	VERB
fsr-3858	130	31	social	social	ADJ
fsr-3858	130	32	security	security	NOUN
fsr-3858	130	33	and	and	CCONJ
fsr-3858	130	34	annuities	annuity	NOUN
fsr-3858	130	35	)	)	PUNCT
fsr-3858	130	36	is	be	AUX
fsr-3858	130	37	at	at	ADV
fsr-3858	130	38	least	least	ADJ
fsr-3858	130	39	as	as	ADV
fsr-3858	130	40	large	large	ADJ
fsr-3858	130	41	as	as	ADP
fsr-3858	130	42	the	the	DET
fsr-3858	130	43	present	present	ADJ
fsr-3858	130	44	value	value	NOUN
fsr-3858	130	45	of	of	ADP
fsr-3858	130	46	retirement	retirement	NOUN
fsr-3858	130	47	consumption	consumption	NOUN
fsr-3858	130	48	.	.	PUNCT
fsr-3858	131	1	3	3	X
fsr-3858	131	2	.	.	X
fsr-3858	131	3	methodology	methodology	NOUN
fsr-3858	131	4	to	to	PART
fsr-3858	131	5	operationalize	operationalize	VERB
fsr-3858	131	6	the	the	DET
fsr-3858	131	7	conceptual	conceptual	ADJ
fsr-3858	131	8	model	model	NOUN
fsr-3858	131	9	retirement	retirement	NOUN
fsr-3858	131	10	wealth	wealth	NOUN
fsr-3858	131	11	must	must	AUX
fsr-3858	131	12	be	be	AUX
fsr-3858	131	13	clearly	clearly	ADV
fsr-3858	131	14	defined	define	VERB
fsr-3858	131	15	and	and	CCONJ
fsr-3858	131	16	methods	method	NOUN
fsr-3858	131	17	for	for	ADP
fsr-3858	131	18	projecting	project	VERB
fsr-3858	131	19	the	the	DET
fsr-3858	131	20	levels	level	NOUN
fsr-3858	131	21	of	of	ADP
fsr-3858	131	22	retirement	retirement	NOUN
fsr-3858	131	23	wealth	wealth	NOUN
fsr-3858	131	24	and	and	CCONJ
fsr-3858	131	25	retirement	retirement	NOUN
fsr-3858	131	26	needs	need	NOUN
fsr-3858	131	27	must	must	AUX
fsr-3858	131	28	be	be	AUX
fsr-3858	131	29	selected	select	VERB
fsr-3858	131	30	.	.	PUNCT
fsr-3858	132	1	(	(	PUNCT
fsr-3858	132	2	for	for	ADP
fsr-3858	132	3	more	more	ADJ
fsr-3858	132	4	details	detail	NOUN
fsr-3858	132	5	on	on	ADP
fsr-3858	132	6	the	the	DET
fsr-3858	132	7	methodology	methodology	NOUN
fsr-3858	132	8	refer	refer	VERB
fsr-3858	132	9	to	to	ADP
fsr-3858	132	10	yuh	yuh	PROPN
fsr-3858	132	11	,	,	PUNCT
fsr-3858	132	12	1998	1998	NUM
fsr-3858	132	13	,	,	PUNCT
fsr-3858	132	14	and	and	CCONJ
fsr-3858	132	15	yuh	yuh	PROPN
fsr-3858	132	16	et	et	PROPN
fsr-3858	132	17	al	al	PROPN
fsr-3858	132	18	.	.	PROPN
fsr-3858	132	19	,	,	PUNCT
fsr-3858	132	20	1998	1998	NUM
fsr-3858	132	21	)	)	PUNCT
fsr-3858	132	22	.	.	PUNCT
fsr-3858	133	1	180	180	NUM
fsr-3858	133	2	y.	y.	PROPN
fsr-3858	133	3	yuh	yuh	PROPN
fsr-3858	133	4	et	et	PROPN
fsr-3858	133	5	al	al	PROPN
fsr-3858	133	6	.	.	PUNCT
fsr-3858	133	7	/	/	SYM
fsr-3858	133	8	financial	financial	ADJ
fsr-3858	133	9	services	service	NOUN
fsr-3858	133	10	review	review	VERB
fsr-3858	133	11	7	7	NUM
fsr-3858	133	12	(	(	PUNCT
fsr-3858	133	13	1998	1998	NUM
fsr-3858	133	14	)	)	PUNCT
fsr-3858	134	1	175–193	175–193	NUM
fsr-3858	134	2	3.1	3.1	NUM
fsr-3858	134	3	.	.	PUNCT
fsr-3858	135	1	empirical	empirical	ADJ
fsr-3858	135	2	definition	definition	NOUN
fsr-3858	135	3	of	of	ADP
fsr-3858	135	4	retirement	retirement	NOUN
fsr-3858	135	5	wealth	wealth	NOUN
fsr-3858	135	6	a	a	DET
fsr-3858	135	7	comprehensive	comprehensive	ADJ
fsr-3858	135	8	measure	measure	NOUN
fsr-3858	135	9	of	of	ADP
fsr-3858	135	10	retirement	retirement	NOUN
fsr-3858	135	11	wealth	wealth	NOUN
fsr-3858	135	12	is	be	AUX
fsr-3858	135	13	used	use	VERB
fsr-3858	135	14	in	in	ADP
fsr-3858	135	15	this	this	DET
fsr-3858	135	16	study	study	NOUN
fsr-3858	135	17	.	.	PUNCT
fsr-3858	136	1	retirement	retirement	NOUN
fsr-3858	136	2	wealth	wealth	NOUN
fsr-3858	136	3	is	be	AUX
fsr-3858	136	4	defined	define	VERB
fsr-3858	136	5	to	to	PART
fsr-3858	136	6	include	include	VERB
fsr-3858	136	7	financial	financial	ADJ
fsr-3858	136	8	assets	asset	NOUN
fsr-3858	136	9	,	,	PUNCT
fsr-3858	136	10	nonfinancial	nonfinancial	ADJ
fsr-3858	136	11	assets	asset	NOUN
fsr-3858	136	12	including	include	VERB
fsr-3858	136	13	housing	housing	NOUN
fsr-3858	136	14	wealth	wealth	NOUN
fsr-3858	136	15	,	,	PUNCT
fsr-3858	136	16	and	and	CCONJ
fsr-3858	136	17	retirement	retirement	NOUN
fsr-3858	136	18	income	income	NOUN
fsr-3858	136	19	from	from	ADP
fsr-3858	136	20	defined	define	VERB
fsr-3858	136	21	contribution	contribution	NOUN
fsr-3858	136	22	plans	plan	NOUN
fsr-3858	136	23	,	,	PUNCT
fsr-3858	136	24	defined	define	VERB
fsr-3858	136	25	benefit	benefit	NOUN
fsr-3858	136	26	plans	plan	NOUN
fsr-3858	136	27	,	,	PUNCT
fsr-3858	136	28	and	and	CCONJ
fsr-3858	136	29	social	social	ADJ
fsr-3858	136	30	security	security	NOUN
fsr-3858	136	31	.	.	PUNCT
fsr-3858	137	1	in	in	ADP
fsr-3858	137	2	order	order	NOUN
fsr-3858	137	3	to	to	PART
fsr-3858	137	4	determine	determine	VERB
fsr-3858	137	5	the	the	DET
fsr-3858	137	6	level	level	NOUN
fsr-3858	137	7	of	of	ADP
fsr-3858	137	8	retirement	retirement	NOUN
fsr-3858	137	9	wealth	wealth	NOUN
fsr-3858	137	10	at	at	ADP
fsr-3858	137	11	the	the	DET
fsr-3858	137	12	planned	plan	VERB
fsr-3858	137	13	retirement	retirement	NOUN
fsr-3858	137	14	age	age	NOUN
fsr-3858	137	15	,	,	PUNCT
fsr-3858	137	16	the	the	DET
fsr-3858	137	17	value	value	NOUN
fsr-3858	137	18	of	of	ADP
fsr-3858	137	19	current	current	ADJ
fsr-3858	137	20	assets	asset	NOUN
fsr-3858	137	21	must	must	AUX
fsr-3858	137	22	be	be	AUX
fsr-3858	137	23	projected	project	VERB
fsr-3858	137	24	forward	forward	ADV
fsr-3858	137	25	.	.	PUNCT
fsr-3858	138	1	this	this	PRON
fsr-3858	138	2	requires	require	VERB
fsr-3858	138	3	information	information	NOUN
fsr-3858	138	4	on	on	ADP
fsr-3858	138	5	future	future	ADJ
fsr-3858	138	6	rates	rate	NOUN
fsr-3858	138	7	of	of	ADP
fsr-3858	138	8	return	return	NOUN
fsr-3858	138	9	for	for	ADP
fsr-3858	138	10	these	these	DET
fsr-3858	138	11	assets	asset	NOUN
fsr-3858	138	12	.	.	PUNCT
fsr-3858	139	1	3.2	3.2	NUM
fsr-3858	139	2	.	.	PUNCT
fsr-3858	139	3	projection	projection	NOUN
fsr-3858	139	4	of	of	ADP
fsr-3858	139	5	future	future	ADJ
fsr-3858	139	6	rates	rate	NOUN
fsr-3858	139	7	of	of	ADP
fsr-3858	139	8	return	return	NOUN
fsr-3858	139	9	total	total	ADJ
fsr-3858	139	10	wealth	wealth	NOUN
fsr-3858	139	11	available	available	ADJ
fsr-3858	139	12	for	for	ADP
fsr-3858	139	13	retirement	retirement	NOUN
fsr-3858	139	14	from	from	ADP
fsr-3858	139	15	financial	financial	ADJ
fsr-3858	139	16	assets	asset	NOUN
fsr-3858	139	17	,	,	PUNCT
fsr-3858	139	18	nonfinancial	nonfinancial	ADJ
fsr-3858	139	19	assets	asset	NOUN
fsr-3858	139	20	,	,	PUNCT
fsr-3858	139	21	and	and	CCONJ
fsr-3858	139	22	defined	define	VERB
fsr-3858	139	23	contribution	contribution	NOUN
fsr-3858	139	24	plans	plan	NOUN
fsr-3858	139	25	is	be	AUX
fsr-3858	139	26	projected	project	VERB
fsr-3858	139	27	using	use	VERB
fsr-3858	139	28	future	future	ADJ
fsr-3858	139	29	real	real	ADJ
fsr-3858	139	30	rates	rate	NOUN
fsr-3858	139	31	of	of	ADP
fsr-3858	139	32	return	return	NOUN
fsr-3858	139	33	for	for	ADP
fsr-3858	139	34	each	each	DET
fsr-3858	139	35	asset	asset	NOUN
fsr-3858	139	36	category	category	NOUN
fsr-3858	139	37	.	.	PUNCT
fsr-3858	140	1	future	future	ADJ
fsr-3858	140	2	real	real	ADJ
fsr-3858	140	3	rates	rate	NOUN
fsr-3858	140	4	of	of	ADP
fsr-3858	140	5	return	return	NOUN
fsr-3858	140	6	are	be	AUX
fsr-3858	140	7	projected	project	VERB
fsr-3858	140	8	separately	separately	ADV
fsr-3858	140	9	for	for	ADP
fsr-3858	140	10	stocks	stock	NOUN
fsr-3858	140	11	,	,	PUNCT
fsr-3858	140	12	bonds	bond	NOUN
fsr-3858	140	13	,	,	PUNCT
fsr-3858	140	14	money	money	NOUN
fsr-3858	140	15	market	market	NOUN
fsr-3858	140	16	instruments	instrument	NOUN
fsr-3858	140	17	,	,	PUNCT
fsr-3858	140	18	business	business	NOUN
fsr-3858	140	19	assets	asset	NOUN
fsr-3858	140	20	,	,	PUNCT
fsr-3858	140	21	and	and	CCONJ
fsr-3858	140	22	real	real	ADJ
fsr-3858	140	23	estate	estate	NOUN
fsr-3858	140	24	assets	asset	NOUN
fsr-3858	140	25	using	use	VERB
fsr-3858	140	26	data	datum	NOUN
fsr-3858	140	27	on	on	ADP
fsr-3858	140	28	historical	historical	ADJ
fsr-3858	140	29	rates	rate	NOUN
fsr-3858	140	30	of	of	ADP
fsr-3858	140	31	return	return	NOUN
fsr-3858	140	32	and	and	CCONJ
fsr-3858	140	33	a	a	DET
fsr-3858	140	34	lognormal	lognormal	ADJ
fsr-3858	140	35	forecasting	forecasting	NOUN
fsr-3858	140	36	model	model	NOUN
fsr-3858	140	37	(	(	PUNCT
fsr-3858	140	38	ibbotson	ibbotson	PROPN
fsr-3858	140	39	associates	associates	PROPN
fsr-3858	140	40	,	,	PUNCT
fsr-3858	140	41	1995	1995	NUM
fsr-3858	140	42	)	)	PUNCT
fsr-3858	140	43	.	.	PUNCT
fsr-3858	141	1	the	the	DET
fsr-3858	141	2	lognormal	lognormal	ADJ
fsr-3858	141	3	forecasting	forecasting	NOUN
fsr-3858	141	4	model	model	NOUN
fsr-3858	141	5	is	be	AUX
fsr-3858	141	6	used	use	VERB
fsr-3858	141	7	because	because	SCONJ
fsr-3858	141	8	,	,	PUNCT
fsr-3858	141	9	unlike	unlike	ADP
fsr-3858	141	10	the	the	DET
fsr-3858	141	11	normal	normal	ADJ
fsr-3858	141	12	model	model	NOUN
fsr-3858	141	13	,	,	PUNCT
fsr-3858	141	14	the	the	DET
fsr-3858	141	15	lognormal	lognormal	ADJ
fsr-3858	141	16	model	model	NOUN
fsr-3858	141	17	does	do	AUX
fsr-3858	141	18	not	not	PART
fsr-3858	141	19	project	project	VERB
fsr-3858	141	20	negative	negative	ADJ
fsr-3858	141	21	values	value	NOUN
fsr-3858	141	22	and	and	CCONJ
fsr-3858	141	23	therefore	therefore	ADV
fsr-3858	141	24	may	may	AUX
fsr-3858	141	25	produce	produce	VERB
fsr-3858	141	26	more	more	ADJ
fsr-3858	141	27	plausible	plausible	ADJ
fsr-3858	141	28	predictions	prediction	NOUN
fsr-3858	141	29	(	(	PUNCT
fsr-3858	141	30	crow	crow	NOUN
fsr-3858	141	31	and	and	CCONJ
fsr-3858	141	32	shimizu	shimizu	PROPN
fsr-3858	141	33	,	,	PUNCT
fsr-3858	141	34	1988	1988	NUM
fsr-3858	141	35	)	)	PUNCT
fsr-3858	141	36	.	.	PUNCT
fsr-3858	142	1	using	use	VERB
fsr-3858	142	2	the	the	DET
fsr-3858	142	3	lognormal	lognormal	ADJ
fsr-3858	142	4	model	model	NOUN
fsr-3858	142	5	,	,	PUNCT
fsr-3858	142	6	it	it	PRON
fsr-3858	142	7	is	be	AUX
fsr-3858	142	8	straightforward	straightforward	ADJ
fsr-3858	142	9	to	to	PART
fsr-3858	142	10	form	form	VERB
fsr-3858	142	11	probabilistic	probabilistic	ADJ
fsr-3858	142	12	forecasts	forecast	NOUN
fsr-3858	142	13	of	of	ADP
fsr-3858	142	14	both	both	DET
fsr-3858	142	15	compound	compound	NOUN
fsr-3858	142	16	rates	rate	NOUN
fsr-3858	142	17	of	of	ADP
fsr-3858	142	18	return	return	NOUN
fsr-3858	142	19	and	and	CCONJ
fsr-3858	142	20	ending	end	VERB
fsr-3858	142	21	period	period	NOUN
fsr-3858	142	22	wealth	wealth	NOUN
fsr-3858	142	23	values	value	NOUN
fsr-3858	142	24	.	.	PUNCT
fsr-3858	143	1	wealth	wealth	NOUN
fsr-3858	143	2	at	at	ADP
fsr-3858	143	3	time	time	NOUN
fsr-3858	143	4	n	n	CCONJ
fsr-3858	143	5	(	(	PUNCT
fsr-3858	143	6	assuming	assume	VERB
fsr-3858	143	7	reinvestment	reinvestment	NOUN
fsr-3858	143	8	of	of	ADP
fsr-3858	143	9	all	all	DET
fsr-3858	143	10	income	income	NOUN
fsr-3858	143	11	and	and	CCONJ
fsr-3858	143	12	no	no	DET
fsr-3858	143	13	taxes	taxis	NOUN
fsr-3858	143	14	)	)	PUNCT
fsr-3858	143	15	is	be	AUX
fsr-3858	143	16	:	:	PUNCT
fsr-3858	143	17	ln(wn	ln(wn	PROPN
fsr-3858	143	18	)	)	PUNCT
fsr-3858	143	19	5	5	NUM
fsr-3858	143	20	ln(w0	ln(w0	NOUN
fsr-3858	143	21	)	)	PUNCT
fsr-3858	143	22	1	1	NUM
fsr-3858	143	23	ln(1	ln(1	NOUN
fsr-3858	143	24	1	1	NUM
fsr-3858	143	25	r1	r1	NOUN
fsr-3858	143	26	)	)	PUNCT
fsr-3858	143	27	1	1	NUM
fsr-3858	143	28	ln(1	ln(1	NOUN
fsr-3858	143	29	1	1	NUM
fsr-3858	143	30	r2	r2	NOUN
fsr-3858	143	31	)	)	PUNCT
fsr-3858	143	32	1	1	NUM
fsr-3858	143	33	.	.	PUNCT
fsr-3858	143	34	.	.	PUNCT
fsr-3858	143	35	.	.	PUNCT
fsr-3858	144	1	1	1	NUM
fsr-3858	144	2	ln(1	ln(1	NOUN
fsr-3858	144	3	1	1	NUM
fsr-3858	144	4	rn	rn	NOUN
fsr-3858	144	5	)	)	PUNCT
fsr-3858	144	6	(	(	PUNCT
fsr-3858	144	7	2	2	X
fsr-3858	144	8	)	)	PUNCT
fsr-3858	144	9	where	where	SCONJ
fsr-3858	144	10	wn	wn	PROPN
fsr-3858	144	11	5	5	NUM
fsr-3858	144	12	the	the	DET
fsr-3858	144	13	wealth	wealth	NOUN
fsr-3858	144	14	value	value	NOUN
fsr-3858	144	15	at	at	ADP
fsr-3858	144	16	time	time	NOUN
fsr-3858	144	17	n	n	ADP
fsr-3858	144	18	w0	w0	PROPN
fsr-3858	144	19	5	5	NUM
fsr-3858	144	20	the	the	DET
fsr-3858	144	21	initial	initial	ADJ
fsr-3858	144	22	investment	investment	NOUN
fsr-3858	144	23	at	at	ADP
fsr-3858	144	24	time	time	NOUN
fsr-3858	144	25	0	0	NUM
fsr-3858	144	26	r1	r1	PROPN
fsr-3858	144	27	,	,	PUNCT
fsr-3858	144	28	r2	r2	PROPN
fsr-3858	144	29	.....	.....	PROPN
fsr-3858	144	30	rn	rn	PROPN
fsr-3858	144	31	5	5	NUM
fsr-3858	144	32	the	the	DET
fsr-3858	144	33	total	total	ADJ
fsr-3858	144	34	returns	return	NOUN
fsr-3858	144	35	on	on	ADP
fsr-3858	144	36	the	the	DET
fsr-3858	144	37	portfolio	portfolio	NOUN
fsr-3858	144	38	for	for	ADP
fsr-3858	144	39	the	the	DET
fsr-3858	144	40	rebalancing	rebalancing	NOUN
fsr-3858	144	41	period	period	NOUN
fsr-3858	144	42	ending	end	VERB
fsr-3858	144	43	at	at	ADP
fsr-3858	144	44	times	time	NOUN
fsr-3858	144	45	1	1	NUM
fsr-3858	144	46	,	,	PUNCT
fsr-3858	144	47	2	2	NUM
fsr-3858	144	48	,	,	PUNCT
fsr-3858	144	49	and	and	CCONJ
fsr-3858	144	50	n.	n.	VERB
fsr-3858	144	51	the	the	DET
fsr-3858	144	52	geometric	geometric	ADJ
fsr-3858	144	53	mean	mean	NOUN
fsr-3858	144	54	return	return	NOUN
fsr-3858	144	55	over	over	ADP
fsr-3858	144	56	the	the	DET
fsr-3858	144	57	same	same	ADJ
fsr-3858	144	58	period	period	NOUN
fsr-3858	144	59	,	,	PUNCT
fsr-3858	144	60	rg	rg	PROPN
fsr-3858	144	61	,	,	PUNCT
fsr-3858	144	62	is	be	AUX
fsr-3858	144	63	:	:	PUNCT
fsr-3858	144	64	rg	rg	PROPN
fsr-3858	144	65	5	5	NUM
fsr-3858	144	66	(	(	PUNCT
fsr-3858	144	67	wn	wn	PROPN
fsr-3858	144	68	/	/	SYM
fsr-3858	144	69	w0	w0	PROPN
fsr-3858	144	70	)	)	PUNCT
fsr-3858	144	71	1	1	NUM
fsr-3858	144	72	/	/	SYM
fsr-3858	144	73	n	n	CCONJ
fsr-3858	144	74	2	2	NUM
fsr-3858	144	75	1	1	NUM
fsr-3858	144	76	(	(	PUNCT
fsr-3858	144	77	3	3	NUM
fsr-3858	144	78	)	)	PUNCT
fsr-3858	144	79	where	where	SCONJ
fsr-3858	144	80	rg	rg	PROPN
fsr-3858	144	81	5	5	NUM
fsr-3858	144	82	the	the	DET
fsr-3858	144	83	geometric	geometric	ADJ
fsr-3858	144	84	mean	mean	NOUN
fsr-3858	144	85	return	return	NOUN
fsr-3858	144	86	n	n	PRON
fsr-3858	144	87	5	5	NUM
fsr-3858	144	88	the	the	DET
fsr-3858	144	89	inclusive	inclusive	ADJ
fsr-3858	144	90	number	number	NOUN
fsr-3858	144	91	of	of	ADP
fsr-3858	144	92	periods	period	NOUN
fsr-3858	144	93	.	.	PUNCT
fsr-3858	145	1	in	in	ADP
fsr-3858	145	2	the	the	DET
fsr-3858	145	3	lognormal	lognormal	ADJ
fsr-3858	145	4	forecasting	forecasting	NOUN
fsr-3858	145	5	model	model	NOUN
fsr-3858	145	6	,	,	PUNCT
fsr-3858	145	7	the	the	DET
fsr-3858	145	8	expected	expect	VERB
fsr-3858	145	9	value	value	NOUN
fsr-3858	145	10	(	(	PUNCT
fsr-3858	145	11	m	m	NOUN
fsr-3858	145	12	)	)	PUNCT
fsr-3858	145	13	and	and	CCONJ
fsr-3858	145	14	standard	standard	ADJ
fsr-3858	145	15	deviation	deviation	NOUN
fsr-3858	145	16	(	(	PUNCT
fsr-3858	145	17	s	s	NOUN
fsr-3858	145	18	)	)	PUNCT
fsr-3858	145	19	of	of	ADP
fsr-3858	145	20	the	the	DET
fsr-3858	145	21	natural	natural	ADJ
fsr-3858	145	22	logarithm	logarithm	NOUN
fsr-3858	145	23	of	of	ADP
fsr-3858	145	24	the	the	DET
fsr-3858	145	25	return	return	NOUN
fsr-3858	145	26	relative	relative	ADJ
fsr-3858	145	27	of	of	ADP
fsr-3858	145	28	the	the	DET
fsr-3858	145	29	portfolio	portfolio	NOUN
fsr-3858	145	30	can	can	AUX
fsr-3858	145	31	be	be	AUX
fsr-3858	145	32	calculated	calculate	VERB
fsr-3858	145	33	from	from	ADP
fsr-3858	145	34	the	the	DET
fsr-3858	145	35	expected	expect	VERB
fsr-3858	145	36	return	return	NOUN
fsr-3858	145	37	(	(	PUNCT
fsr-3858	145	38	m	m	NOUN
fsr-3858	145	39	)	)	PUNCT
fsr-3858	145	40	and	and	CCONJ
fsr-3858	145	41	standard	standard	ADJ
fsr-3858	145	42	deviation	deviation	NOUN
fsr-3858	145	43	(	(	PUNCT
fsr-3858	145	44	s	s	NOUN
fsr-3858	145	45	)	)	PUNCT
fsr-3858	145	46	of	of	ADP
fsr-3858	145	47	the	the	DET
fsr-3858	145	48	portfolio	portfolio	NOUN
fsr-3858	145	49	as	as	SCONJ
fsr-3858	145	50	follows	follow	VERB
fsr-3858	145	51	:	:	PUNCT
fsr-3858	145	52	m	m	VERB
fsr-3858	145	53	5	5	NUM
fsr-3858	146	1	ln(1	ln(1	PROPN
fsr-3858	146	2	1	1	NUM
fsr-3858	146	3	m	m	NOUN
fsr-3858	146	4	)	)	PUNCT
fsr-3858	146	5	2	2	NUM
fsr-3858	146	6	~s2/2	~s2/2	NUM
fsr-3858	146	7	)	)	PUNCT
fsr-3858	146	8	(	(	PUNCT
fsr-3858	146	9	4	4	X
fsr-3858	146	10	)	)	PUNCT
fsr-3858	146	11	s5	s5	X
fsr-3858	146	12	{	{	PUNCT
fsr-3858	146	13	ln[1	ln[1	PROPN
fsr-3858	146	14	1	1	NUM
fsr-3858	146	15	~s/1	~s/1	NOUN
fsr-3858	146	16	1	1	NUM
fsr-3858	146	17	m!2	m!2	NOUN
fsr-3858	146	18	]	]	X
fsr-3858	146	19	}	}	SYM
fsr-3858	146	20	1/2	1/2	NUM
fsr-3858	146	21	(	(	PUNCT
fsr-3858	146	22	5	5	NUM
fsr-3858	146	23	)	)	PUNCT
fsr-3858	146	24	where	where	SCONJ
fsr-3858	146	25	181y	181y	PROPN
fsr-3858	146	26	.	.	PUNCT
fsr-3858	147	1	yuh	yuh	PROPN
fsr-3858	147	2	et	et	PROPN
fsr-3858	147	3	al	al	PROPN
fsr-3858	147	4	.	.	PUNCT
fsr-3858	147	5	/	/	SYM
fsr-3858	147	6	financial	financial	ADJ
fsr-3858	147	7	services	service	NOUN
fsr-3858	147	8	review	review	VERB
fsr-3858	147	9	7	7	NUM
fsr-3858	147	10	(	(	PUNCT
fsr-3858	147	11	1998	1998	NUM
fsr-3858	147	12	)	)	PUNCT
fsr-3858	148	1	175–193	175–193	NUM
fsr-3858	148	2	ln	ln	NOUN
fsr-3858	148	3	5	5	NUM
fsr-3858	148	4	the	the	DET
fsr-3858	148	5	natural	natural	ADJ
fsr-3858	148	6	logarithm	logarithm	NOUN
fsr-3858	148	7	function	function	NOUN
fsr-3858	148	8	.	.	PUNCT
fsr-3858	149	1	given	give	VERB
fsr-3858	149	2	the	the	DET
fsr-3858	149	3	logarithmic	logarithmic	ADJ
fsr-3858	149	4	parameters	parameter	NOUN
fsr-3858	149	5	of	of	ADP
fsr-3858	149	6	a	a	DET
fsr-3858	149	7	portfolio	portfolio	NOUN
fsr-3858	149	8	(	(	PUNCT
fsr-3858	149	9	m	m	PROPN
fsr-3858	149	10	and	and	CCONJ
fsr-3858	149	11	s	s	NOUN
fsr-3858	149	12	)	)	PUNCT
fsr-3858	149	13	,	,	PUNCT
fsr-3858	149	14	a	a	DET
fsr-3858	149	15	time	time	NOUN
fsr-3858	149	16	horizon	horizon	NOUN
fsr-3858	149	17	(	(	PUNCT
fsr-3858	149	18	n	n	CCONJ
fsr-3858	149	19	)	)	PUNCT
fsr-3858	149	20	,	,	PUNCT
fsr-3858	149	21	and	and	CCONJ
fsr-3858	149	22	the	the	DET
fsr-3858	149	23	z	z	NOUN
fsr-3858	149	24	-	-	PUNCT
fsr-3858	149	25	score	score	NOUN
fsr-3858	149	26	of	of	ADP
fsr-3858	149	27	a	a	DET
fsr-3858	149	28	percentile	percentile	ADJ
fsr-3858	149	29	(	(	PUNCT
fsr-3858	149	30	z	z	NOUN
fsr-3858	149	31	)	)	PUNCT
fsr-3858	149	32	,	,	PUNCT
fsr-3858	149	33	the	the	DET
fsr-3858	149	34	percentile	percentile	NOUN
fsr-3858	149	35	of	of	ADP
fsr-3858	149	36	the	the	DET
fsr-3858	149	37	geometric	geometric	ADJ
fsr-3858	149	38	mean	mean	NOUN
fsr-3858	149	39	return	return	NOUN
fsr-3858	149	40	for	for	ADP
fsr-3858	149	41	an	an	DET
fsr-3858	149	42	asset	asset	NOUN
fsr-3858	149	43	i	i	PRON
fsr-3858	149	44	is	be	AUX
fsr-3858	149	45	calculated	calculate	VERB
fsr-3858	149	46	as	as	ADP
fsr-3858	149	47	:	:	PUNCT
fsr-3858	149	48	ri	ri	PROPN
fsr-3858	149	49	5	5	NUM
fsr-3858	149	50	exp	exp	NOUN
fsr-3858	149	51	{	{	PUNCT
fsr-3858	149	52	mi	mi	PROPN
fsr-3858	149	53	1	1	PROPN
fsr-3858	149	54	z(si	z(si	PROPN
fsr-3858	149	55	/n	/n	PUNCT
fsr-3858	149	56	1/2	1/2	NUM
fsr-3858	149	57	)	)	PUNCT
fsr-3858	149	58	}	}	PUNCT
fsr-3858	149	59	2	2	NUM
fsr-3858	149	60	1	1	NUM
fsr-3858	149	61	(	(	PUNCT
fsr-3858	149	62	6	6	NUM
fsr-3858	149	63	)	)	PUNCT
fsr-3858	149	64	where	where	SCONJ
fsr-3858	149	65	ri	ri	PROPN
fsr-3858	149	66	5	5	NUM
fsr-3858	149	67	percentile	percentile	NOUN
fsr-3858	149	68	of	of	ADP
fsr-3858	149	69	the	the	DET
fsr-3858	149	70	geometric	geometric	ADJ
fsr-3858	149	71	mean	mean	NOUN
fsr-3858	149	72	return	return	NOUN
fsr-3858	149	73	of	of	ADP
fsr-3858	149	74	asset	asset	NOUN
fsr-3858	149	75	i	i	PRON
fsr-3858	149	76	mi	mi	PROPN
fsr-3858	149	77	5	5	NUM
fsr-3858	149	78	expected	expect	VERB
fsr-3858	149	79	value	value	NOUN
fsr-3858	149	80	of	of	ADP
fsr-3858	149	81	natural	natural	ADJ
fsr-3858	149	82	logarithm	logarithm	NOUN
fsr-3858	149	83	of	of	ADP
fsr-3858	149	84	the	the	DET
fsr-3858	149	85	return	return	NOUN
fsr-3858	149	86	relative	relative	ADJ
fsr-3858	149	87	of	of	ADP
fsr-3858	149	88	asset	asset	NOUN
fsr-3858	149	89	i	i	PRON
fsr-3858	149	90	si	si	NOUN
fsr-3858	149	91	5	5	NUM
fsr-3858	149	92	standard	standard	ADJ
fsr-3858	149	93	deviation	deviation	NOUN
fsr-3858	149	94	of	of	ADP
fsr-3858	149	95	natural	natural	ADJ
fsr-3858	149	96	logarithm	logarithm	NOUN
fsr-3858	149	97	of	of	ADP
fsr-3858	149	98	the	the	DET
fsr-3858	149	99	return	return	NOUN
fsr-3858	149	100	relative	relative	ADJ
fsr-3858	149	101	of	of	ADP
fsr-3858	149	102	asset	asset	NOUN
fsr-3858	149	103	i	i	NOUN
fsr-3858	149	104	z	z	PROPN
fsr-3858	149	105	5	5	NUM
fsr-3858	149	106	the	the	DET
fsr-3858	149	107	z	z	NOUN
fsr-3858	149	108	-	-	PUNCT
fsr-3858	149	109	score	score	NOUN
fsr-3858	149	110	of	of	ADP
fsr-3858	149	111	the	the	DET
fsr-3858	149	112	percentile	percentile	ADJ
fsr-3858	149	113	n	n	ADV
fsr-3858	149	114	5	5	NUM
fsr-3858	149	115	investment	investment	NOUN
fsr-3858	149	116	horizon	horizon	NOUN
fsr-3858	149	117	.	.	PUNCT
fsr-3858	150	1	using	use	VERB
fsr-3858	150	2	this	this	DET
fsr-3858	150	3	equation	equation	NOUN
fsr-3858	150	4	,	,	PUNCT
fsr-3858	150	5	it	it	PRON
fsr-3858	150	6	is	be	AUX
fsr-3858	150	7	possible	possible	ADJ
fsr-3858	150	8	to	to	PART
fsr-3858	150	9	calculate	calculate	VERB
fsr-3858	150	10	the	the	DET
fsr-3858	150	11	various	various	ADJ
fsr-3858	150	12	percentiles	percentile	NOUN
fsr-3858	150	13	of	of	ADP
fsr-3858	150	14	the	the	DET
fsr-3858	150	15	geometric	geometric	ADJ
fsr-3858	150	16	mean	mean	NOUN
fsr-3858	150	17	return	return	NOUN
fsr-3858	150	18	over	over	ADP
fsr-3858	150	19	various	various	ADJ
fsr-3858	150	20	time	time	NOUN
fsr-3858	150	21	horizons	horizon	NOUN
fsr-3858	150	22	.	.	PUNCT
fsr-3858	151	1	in	in	ADP
fsr-3858	151	2	order	order	NOUN
fsr-3858	151	3	to	to	PART
fsr-3858	151	4	compare	compare	VERB
fsr-3858	151	5	adequacy	adequacy	NOUN
fsr-3858	151	6	under	under	ADP
fsr-3858	151	7	mean	mean	ADJ
fsr-3858	151	8	and	and	CCONJ
fsr-3858	151	9	pessimistic	pessimistic	ADJ
fsr-3858	151	10	conditions	condition	NOUN
fsr-3858	151	11	,	,	PUNCT
fsr-3858	151	12	rates	rate	NOUN
fsr-3858	151	13	of	of	ADP
fsr-3858	151	14	return	return	NOUN
fsr-3858	151	15	at	at	ADP
fsr-3858	151	16	the	the	DET
fsr-3858	151	17	50th	50th	ADJ
fsr-3858	151	18	percentile	percentile	NOUN
fsr-3858	151	19	and	and	CCONJ
fsr-3858	151	20	the	the	DET
fsr-3858	151	21	5th	5th	ADJ
fsr-3858	151	22	percentile	percentile	NOUN
fsr-3858	151	23	are	be	AUX
fsr-3858	151	24	selected	select	VERB
fsr-3858	151	25	.	.	PUNCT
fsr-3858	152	1	the	the	DET
fsr-3858	152	2	rate	rate	NOUN
fsr-3858	152	3	of	of	ADP
fsr-3858	152	4	return	return	NOUN
fsr-3858	152	5	for	for	ADP
fsr-3858	152	6	the	the	DET
fsr-3858	152	7	50th	50th	ADJ
fsr-3858	152	8	percentile	percentile	NOUN
fsr-3858	152	9	of	of	ADP
fsr-3858	152	10	each	each	DET
fsr-3858	152	11	asset	asset	NOUN
fsr-3858	152	12	is	be	AUX
fsr-3858	152	13	used	use	VERB
fsr-3858	152	14	as	as	ADP
fsr-3858	152	15	the	the	DET
fsr-3858	152	16	projected	project	VERB
fsr-3858	152	17	return	return	NOUN
fsr-3858	152	18	for	for	ADP
fsr-3858	152	19	the	the	DET
fsr-3858	152	20	mean	mean	ADJ
fsr-3858	152	21	portfolio	portfolio	NOUN
fsr-3858	152	22	performance	performance	NOUN
fsr-3858	152	23	,	,	PUNCT
fsr-3858	152	24	and	and	CCONJ
fsr-3858	152	25	the	the	DET
fsr-3858	152	26	rate	rate	NOUN
fsr-3858	152	27	of	of	ADP
fsr-3858	152	28	return	return	NOUN
fsr-3858	152	29	for	for	ADP
fsr-3858	152	30	the	the	DET
fsr-3858	152	31	5th	5th	ADJ
fsr-3858	152	32	percentile	percentile	NOUN
fsr-3858	152	33	is	be	AUX
fsr-3858	152	34	used	use	VERB
fsr-3858	152	35	as	as	ADP
fsr-3858	152	36	the	the	DET
fsr-3858	152	37	projected	project	VERB
fsr-3858	152	38	return	return	NOUN
fsr-3858	152	39	for	for	ADP
fsr-3858	152	40	the	the	DET
fsr-3858	152	41	pessimistic	pessimistic	ADJ
fsr-3858	152	42	portfolio	portfolio	NOUN
fsr-3858	152	43	performance	performance	NOUN
fsr-3858	152	44	.	.	PUNCT
fsr-3858	153	1	data	datum	NOUN
fsr-3858	153	2	for	for	ADP
fsr-3858	153	3	historical	historical	ADJ
fsr-3858	153	4	rates	rate	NOUN
fsr-3858	153	5	of	of	ADP
fsr-3858	153	6	return	return	NOUN
fsr-3858	153	7	from	from	ADP
fsr-3858	153	8	thestocks	thestock	NOUN
fsr-3858	153	9	,	,	PUNCT
fsr-3858	153	10	bonds	bond	NOUN
fsr-3858	153	11	,	,	PUNCT
fsr-3858	153	12	bills	bill	NOUN
fsr-3858	153	13	and	and	CCONJ
fsr-3858	153	14	inflation	inflation	NOUN
fsr-3858	153	15	yearbook	yearbook	NOUN
fsr-3858	153	16	published	publish	VERB
fsr-3858	153	17	by	by	ADP
fsr-3858	153	18	ibbotson	ibbotson	PROPN
fsr-3858	153	19	associates	associates	PROPN
fsr-3858	153	20	(	(	PUNCT
fsr-3858	153	21	1995	1995	NUM
fsr-3858	153	22	)	)	PUNCT
fsr-3858	153	23	are	be	AUX
fsr-3858	153	24	used	use	VERB
fsr-3858	153	25	to	to	PART
fsr-3858	153	26	provide	provide	VERB
fsr-3858	153	27	information	information	NOUN
fsr-3858	153	28	on	on	ADP
fsr-3858	153	29	the	the	DET
fsr-3858	153	30	mean	mean	NOUN
fsr-3858	153	31	and	and	CCONJ
fsr-3858	153	32	variance	variance	NOUN
fsr-3858	153	33	of	of	ADP
fsr-3858	153	34	the	the	DET
fsr-3858	153	35	real	real	ADJ
fsr-3858	153	36	rate	rate	NOUN
fsr-3858	153	37	of	of	ADP
fsr-3858	153	38	return	return	NOUN
fsr-3858	153	39	for	for	ADP
fsr-3858	153	40	specific	specific	ADJ
fsr-3858	153	41	asset	asset	NOUN
fsr-3858	153	42	categories	category	NOUN
fsr-3858	153	43	.	.	PUNCT
fsr-3858	154	1	the	the	DET
fsr-3858	154	2	1995	1995	NUM
fsr-3858	154	3	yearbook	yearbook	NOUN
fsr-3858	154	4	provides	provide	VERB
fsr-3858	154	5	historical	historical	ADJ
fsr-3858	154	6	return	return	NOUN
fsr-3858	154	7	data	datum	NOUN
fsr-3858	154	8	from	from	ADP
fsr-3858	154	9	january	january	PROPN
fsr-3858	154	10	1	1	NUM
fsr-3858	154	11	,	,	PUNCT
fsr-3858	154	12	1926	1926	NUM
fsr-3858	154	13	through	through	ADP
fsr-3858	154	14	december	december	PROPN
fsr-3858	154	15	31	31	NUM
fsr-3858	154	16	,	,	PUNCT
fsr-3858	154	17	1994	1994	NUM
fsr-3858	154	18	for	for	ADP
fsr-3858	154	19	six	six	NUM
fsr-3858	154	20	categories	category	NOUN
fsr-3858	154	21	of	of	ADP
fsr-3858	154	22	financial	financial	ADJ
fsr-3858	154	23	assets	asset	NOUN
fsr-3858	154	24	:	:	PUNCT
fsr-3858	154	25	small	small	ADJ
fsr-3858	154	26	capitalization	capitalization	NOUN
fsr-3858	154	27	stocks	stock	NOUN
fsr-3858	154	28	,	,	PUNCT
fsr-3858	154	29	large	large	ADJ
fsr-3858	154	30	stocks	stock	NOUN
fsr-3858	154	31	(	(	PUNCT
fsr-3858	154	32	s&p	s&p	PROPN
fsr-3858	154	33	500	500	NUM
fsr-3858	154	34	)	)	PUNCT
fsr-3858	154	35	,	,	PUNCT
fsr-3858	154	36	corporate	corporate	ADJ
fsr-3858	154	37	bonds	bond	NOUN
fsr-3858	154	38	,	,	PUNCT
fsr-3858	154	39	intermediate	intermediate	ADJ
fsr-3858	154	40	government	government	NOUN
fsr-3858	154	41	bonds	bond	NOUN
fsr-3858	154	42	,	,	PUNCT
fsr-3858	154	43	long	long	ADJ
fsr-3858	154	44	term	term	NOUN
fsr-3858	154	45	government	government	NOUN
fsr-3858	154	46	bonds	bond	NOUN
fsr-3858	154	47	,	,	PUNCT
fsr-3858	154	48	and	and	CCONJ
fsr-3858	154	49	treasury	treasury	NOUN
fsr-3858	154	50	bills	bill	NOUN
fsr-3858	154	51	.	.	PUNCT
fsr-3858	155	1	real	real	ADJ
fsr-3858	155	2	estate	estate	NOUN
fsr-3858	155	3	returns	return	NOUN
fsr-3858	155	4	from	from	ADP
fsr-3858	155	5	1947	1947	NUM
fsr-3858	155	6	to	to	ADP
fsr-3858	155	7	1982	1982	NUM
fsr-3858	155	8	estimated	estimate	VERB
fsr-3858	155	9	by	by	ADP
fsr-3858	155	10	ibbotson	ibbotson	PROPN
fsr-3858	155	11	and	and	CCONJ
fsr-3858	155	12	siegel	siegel	PROPN
fsr-3858	155	13	(	(	PUNCT
fsr-3858	155	14	1984	1984	NUM
fsr-3858	155	15	)	)	PUNCT
fsr-3858	155	16	are	be	AUX
fsr-3858	155	17	used	use	VERB
fsr-3858	155	18	to	to	PART
fsr-3858	155	19	produce	produce	VERB
fsr-3858	155	20	lognormal	lognormal	ADJ
fsr-3858	155	21	projections	projection	NOUN
fsr-3858	155	22	of	of	ADP
fsr-3858	155	23	future	future	ADJ
fsr-3858	155	24	real	real	ADJ
fsr-3858	155	25	rates	rate	NOUN
fsr-3858	155	26	of	of	ADP
fsr-3858	155	27	return	return	NOUN
fsr-3858	155	28	for	for	ADP
fsr-3858	155	29	real	real	ADJ
fsr-3858	155	30	estate	estate	NOUN
fsr-3858	155	31	assets	asset	NOUN
fsr-3858	155	32	.	.	PUNCT
fsr-3858	156	1	this	this	DET
fsr-3858	156	2	real	real	ADJ
fsr-3858	156	3	estate	estate	NOUN
fsr-3858	156	4	dataset	dataset	NOUN
fsr-3858	156	5	is	be	AUX
fsr-3858	156	6	comparable	comparable	ADJ
fsr-3858	156	7	to	to	ADP
fsr-3858	156	8	the	the	DET
fsr-3858	156	9	historical	historical	ADJ
fsr-3858	156	10	return	return	NOUN
fsr-3858	156	11	data	datum	NOUN
fsr-3858	156	12	in	in	ADP
fsr-3858	156	13	the	the	DET
fsr-3858	156	14	ibbotson	ibbotson	PROPN
fsr-3858	156	15	yearbook	yearbook	NOUN
fsr-3858	156	16	,	,	PUNCT
fsr-3858	156	17	and	and	CCONJ
fsr-3858	156	18	is	be	AUX
fsr-3858	156	19	the	the	DET
fsr-3858	156	20	longest	long	ADJ
fsr-3858	156	21	period	period	NOUN
fsr-3858	156	22	of	of	ADP
fsr-3858	156	23	annual	annual	ADJ
fsr-3858	156	24	return	return	NOUN
fsr-3858	156	25	data	datum	NOUN
fsr-3858	156	26	for	for	ADP
fsr-3858	156	27	real	real	ADJ
fsr-3858	156	28	estate	estate	NOUN
fsr-3858	156	29	available	available	ADJ
fsr-3858	156	30	.	.	PUNCT
fsr-3858	157	1	information	information	NOUN
fsr-3858	157	2	is	be	AUX
fsr-3858	157	3	available	available	ADJ
fsr-3858	157	4	for	for	ADP
fsr-3858	157	5	residential	residential	ADJ
fsr-3858	157	6	real	real	ADJ
fsr-3858	157	7	estate	estate	NOUN
fsr-3858	157	8	,	,	PUNCT
fsr-3858	157	9	farm	farm	NOUN
fsr-3858	157	10	real	real	ADJ
fsr-3858	157	11	estate	estate	NOUN
fsr-3858	157	12	,	,	PUNCT
fsr-3858	157	13	business	business	NOUN
fsr-3858	157	14	real	real	ADJ
fsr-3858	157	15	estate	estate	NOUN
fsr-3858	157	16	,	,	PUNCT
fsr-3858	157	17	and	and	CCONJ
fsr-3858	157	18	composite	composite	ADJ
fsr-3858	157	19	real	real	ADJ
fsr-3858	157	20	estate	estate	NOUN
fsr-3858	157	21	(	(	PUNCT
fsr-3858	157	22	average	average	NOUN
fsr-3858	157	23	of	of	ADP
fsr-3858	157	24	the	the	DET
fsr-3858	157	25	three	three	NUM
fsr-3858	157	26	categories	category	NOUN
fsr-3858	157	27	)	)	PUNCT
fsr-3858	157	28	.	.	PUNCT
fsr-3858	158	1	3.3	3.3	NUM
fsr-3858	158	2	.	.	PUNCT
fsr-3858	158	3	estimation	estimation	NOUN
fsr-3858	158	4	of	of	ADP
fsr-3858	158	5	retirement	retirement	NOUN
fsr-3858	158	6	needs	need	NOUN
fsr-3858	158	7	following	follow	VERB
fsr-3858	158	8	the	the	DET
fsr-3858	158	9	assumption	assumption	NOUN
fsr-3858	158	10	of	of	ADP
fsr-3858	158	11	the	the	DET
fsr-3858	158	12	life	life	NOUN
fsr-3858	158	13	cycle	cycle	NOUN
fsr-3858	158	14	savings	saving	NOUN
fsr-3858	158	15	model	model	NOUN
fsr-3858	158	16	(	(	PUNCT
fsr-3858	158	17	modigliani	modigliani	PROPN
fsr-3858	158	18	and	and	CCONJ
fsr-3858	158	19	brumberg	brumberg	PROPN
fsr-3858	158	20	,	,	PUNCT
fsr-3858	158	21	1954	1954	NUM
fsr-3858	158	22	)	)	PUNCT
fsr-3858	158	23	it	it	PRON
fsr-3858	158	24	is	be	AUX
fsr-3858	158	25	assumed	assume	VERB
fsr-3858	158	26	that	that	SCONJ
fsr-3858	158	27	households	household	NOUN
fsr-3858	158	28	desire	desire	VERB
fsr-3858	158	29	to	to	PART
fsr-3858	158	30	maintain	maintain	VERB
fsr-3858	158	31	the	the	DET
fsr-3858	158	32	preretirement	preretirement	ADJ
fsr-3858	158	33	level	level	NOUN
fsr-3858	158	34	of	of	ADP
fsr-3858	158	35	living	live	VERB
fsr-3858	158	36	during	during	ADP
fsr-3858	158	37	retirement	retirement	NOUN
fsr-3858	158	38	.	.	PUNCT
fsr-3858	159	1	retirement	retirement	NOUN
fsr-3858	159	2	needs	need	NOUN
fsr-3858	159	3	are	be	AUX
fsr-3858	159	4	defined	define	VERB
fsr-3858	159	5	as	as	SCONJ
fsr-3858	159	6	the	the	DET
fsr-3858	159	7	total	total	ADJ
fsr-3858	159	8	wealth	wealth	NOUN
fsr-3858	159	9	needed	need	VERB
fsr-3858	159	10	to	to	PART
fsr-3858	159	11	provide	provide	VERB
fsr-3858	159	12	the	the	DET
fsr-3858	159	13	level	level	NOUN
fsr-3858	159	14	of	of	ADP
fsr-3858	159	15	preretirement	preretirement	ADJ
fsr-3858	159	16	consumption	consumption	NOUN
fsr-3858	159	17	during	during	ADP
fsr-3858	159	18	all	all	DET
fsr-3858	159	19	years	year	NOUN
fsr-3858	159	20	of	of	ADP
fsr-3858	159	21	retirement	retirement	NOUN
fsr-3858	159	22	.	.	PUNCT
fsr-3858	160	1	wn	wn	PROPN
fsr-3858	160	2	5	5	NUM
fsr-3858	160	3	c*{[1	c*{[1	NOUN
fsr-3858	160	4	2	2	NUM
fsr-3858	160	5	~1	~1	ADV
fsr-3858	160	6	1	1	NUM
fsr-3858	160	7	rr	rr	NOUN
fsr-3858	160	8	)	)	PUNCT
fsr-3858	160	9	2d]/rr%	2d]/rr%	NOUN
fsr-3858	160	10	(	(	PUNCT
fsr-3858	160	11	7	7	NUM
fsr-3858	160	12	)	)	PUNCT
fsr-3858	160	13	where	where	SCONJ
fsr-3858	160	14	wn	wn	PROPN
fsr-3858	160	15	5	5	NUM
fsr-3858	160	16	retirement	retirement	NOUN
fsr-3858	160	17	need	need	NOUN
fsr-3858	160	18	(	(	PUNCT
fsr-3858	160	19	present	present	ADJ
fsr-3858	160	20	value	value	NOUN
fsr-3858	160	21	of	of	ADP
fsr-3858	160	22	total	total	ADJ
fsr-3858	160	23	consumption	consumption	NOUN
fsr-3858	160	24	needed	need	VERB
fsr-3858	160	25	in	in	ADP
fsr-3858	160	26	retirement	retirement	NOUN
fsr-3858	160	27	)	)	PUNCT
fsr-3858	160	28	,	,	PUNCT
fsr-3858	160	29	c	c	PROPN
fsr-3858	160	30	5	5	NUM
fsr-3858	160	31	annual	annual	ADJ
fsr-3858	160	32	consumption	consumption	NOUN
fsr-3858	160	33	during	during	ADP
fsr-3858	160	34	retirement	retirement	NOUN
fsr-3858	160	35	,	,	PUNCT
fsr-3858	160	36	rr	rr	PROPN
fsr-3858	160	37	5	5	NUM
fsr-3858	160	38	(	(	PUNCT
fsr-3858	160	39	expected	expect	VERB
fsr-3858	160	40	)	)	PUNCT
fsr-3858	160	41	real	real	ADJ
fsr-3858	160	42	interest	interest	NOUN
fsr-3858	160	43	rate	rate	NOUN
fsr-3858	160	44	from	from	ADP
fsr-3858	160	45	retirement	retirement	NOUN
fsr-3858	160	46	to	to	ADP
fsr-3858	160	47	death	death	NOUN
fsr-3858	160	48	,	,	PUNCT
fsr-3858	160	49	and	and	CCONJ
fsr-3858	160	50	182	182	NUM
fsr-3858	160	51	y.	y.	NOUN
fsr-3858	160	52	yuh	yuh	PROPN
fsr-3858	160	53	et	et	PROPN
fsr-3858	160	54	al	al	PROPN
fsr-3858	160	55	.	.	PUNCT
fsr-3858	160	56	/	/	SYM
fsr-3858	160	57	financial	financial	ADJ
fsr-3858	160	58	services	service	NOUN
fsr-3858	160	59	review	review	VERB
fsr-3858	160	60	7	7	NUM
fsr-3858	160	61	(	(	PUNCT
fsr-3858	160	62	1998	1998	NUM
fsr-3858	160	63	)	)	PUNCT
fsr-3858	161	1	175–193	175–193	NUM
fsr-3858	161	2	d	d	SYM
fsr-3858	161	3	5	5	NUM
fsr-3858	161	4	retirement	retirement	NOUN
fsr-3858	161	5	period	period	NOUN
fsr-3858	161	6	(	(	PUNCT
fsr-3858	161	7	the	the	DET
fsr-3858	161	8	number	number	NOUN
fsr-3858	161	9	of	of	ADP
fsr-3858	161	10	years	year	NOUN
fsr-3858	161	11	from	from	ADP
fsr-3858	161	12	retirement	retirement	NOUN
fsr-3858	161	13	age	age	NOUN
fsr-3858	161	14	to	to	ADP
fsr-3858	161	15	death	death	NOUN
fsr-3858	161	16	)	)	PUNCT
fsr-3858	161	17	.	.	PUNCT
fsr-3858	162	1	3.3.1	3.3.1	X
fsr-3858	162	2	.	.	PUNCT
fsr-3858	162	3	annual	annual	ADJ
fsr-3858	162	4	consumption	consumption	NOUN
fsr-3858	162	5	during	during	ADP
fsr-3858	162	6	retirement	retirement	NOUN
fsr-3858	162	7	a	a	DET
fsr-3858	162	8	household	household	NOUN
fsr-3858	162	9	expenditure	expenditure	NOUN
fsr-3858	162	10	function	function	NOUN
fsr-3858	162	11	is	be	AUX
fsr-3858	162	12	used	use	VERB
fsr-3858	162	13	to	to	PART
fsr-3858	162	14	predict	predict	VERB
fsr-3858	162	15	annual	annual	ADJ
fsr-3858	162	16	consumption	consumption	NOUN
fsr-3858	162	17	during	during	ADP
fsr-3858	162	18	retirement	retirement	NOUN
fsr-3858	162	19	.	.	PUNCT
fsr-3858	163	1	the	the	DET
fsr-3858	163	2	household	household	NOUN
fsr-3858	163	3	expenditure	expenditure	NOUN
fsr-3858	163	4	function	function	NOUN
fsr-3858	163	5	is	be	AUX
fsr-3858	163	6	estimated	estimate	VERB
fsr-3858	163	7	using	use	VERB
fsr-3858	163	8	data	datum	NOUN
fsr-3858	163	9	from	from	ADP
fsr-3858	163	10	the	the	DET
fsr-3858	163	11	interview	interview	NOUN
fsr-3858	163	12	component	component	NOUN
fsr-3858	163	13	of	of	ADP
fsr-3858	163	14	the	the	DET
fsr-3858	163	15	1993–1994	1993–1994	NUM
fsr-3858	163	16	consumer	consumer	NOUN
fsr-3858	163	17	expenditure	expenditure	NOUN
fsr-3858	163	18	survey	survey	NOUN
fsr-3858	163	19	.	.	PUNCT
fsr-3858	164	1	the	the	DET
fsr-3858	164	2	consumer	consumer	NOUN
fsr-3858	164	3	expenditure	expenditure	NOUN
fsr-3858	164	4	survey	survey	NOUN
fsr-3858	164	5	is	be	AUX
fsr-3858	164	6	conducted	conduct	VERB
fsr-3858	164	7	by	by	ADP
fsr-3858	164	8	the	the	DET
fsr-3858	164	9	united	united	PROPN
fsr-3858	164	10	states	states	PROPN
fsr-3858	164	11	bureau	bureau	PROPN
fsr-3858	164	12	of	of	ADP
fsr-3858	164	13	the	the	DET
fsr-3858	164	14	census	census	NOUN
fsr-3858	164	15	for	for	ADP
fsr-3858	164	16	the	the	DET
fsr-3858	164	17	bureau	bureau	PROPN
fsr-3858	164	18	of	of	ADP
fsr-3858	164	19	labor	labor	PROPN
fsr-3858	164	20	statistics	statistic	NOUN
fsr-3858	164	21	(	(	PUNCT
fsr-3858	164	22	u.s	u.s	PROPN
fsr-3858	164	23	.	.	PROPN
fsr-3858	164	24	bureau	bureau	PROPN
fsr-3858	164	25	of	of	ADP
fsr-3858	164	26	labor	labor	PROPN
fsr-3858	164	27	statistics	statistic	NOUN
fsr-3858	164	28	,	,	PUNCT
fsr-3858	164	29	1996	1996	NUM
fsr-3858	164	30	)	)	PUNCT
fsr-3858	164	31	and	and	CCONJ
fsr-3858	164	32	is	be	AUX
fsr-3858	164	33	the	the	DET
fsr-3858	164	34	most	most	ADV
fsr-3858	164	35	comprehensive	comprehensive	ADJ
fsr-3858	164	36	source	source	NOUN
fsr-3858	164	37	of	of	ADP
fsr-3858	164	38	detailed	detailed	ADJ
fsr-3858	164	39	information	information	NOUN
fsr-3858	164	40	on	on	ADP
fsr-3858	164	41	expenditures	expenditure	NOUN
fsr-3858	164	42	for	for	ADP
fsr-3858	164	43	goods	good	NOUN
fsr-3858	164	44	and	and	CCONJ
fsr-3858	164	45	services	service	NOUN
fsr-3858	164	46	by	by	ADP
fsr-3858	164	47	households	household	NOUN
fsr-3858	164	48	in	in	ADP
fsr-3858	164	49	the	the	DET
fsr-3858	164	50	united	united	PROPN
fsr-3858	164	51	states	states	PROPN
fsr-3858	164	52	.	.	PUNCT
fsr-3858	165	1	for	for	ADP
fsr-3858	165	2	this	this	DET
fsr-3858	165	3	study	study	NOUN
fsr-3858	165	4	households	household	NOUN
fsr-3858	165	5	that	that	PRON
fsr-3858	165	6	are	be	AUX
fsr-3858	165	7	interviewed	interview	VERB
fsr-3858	165	8	in	in	ADP
fsr-3858	165	9	four	four	NUM
fsr-3858	165	10	consecutive	consecutive	ADJ
fsr-3858	165	11	quarters	quarter	NOUN
fsr-3858	165	12	(	(	PUNCT
fsr-3858	165	13	excluding	exclude	VERB
fsr-3858	165	14	the	the	DET
fsr-3858	165	15	initial	initial	ADJ
fsr-3858	165	16	bounding	bounding	NOUN
fsr-3858	165	17	interview	interview	NOUN
fsr-3858	165	18	)	)	PUNCT
fsr-3858	165	19	between	between	ADP
fsr-3858	165	20	the	the	DET
fsr-3858	165	21	second	second	ADJ
fsr-3858	165	22	quarter	quarter	NOUN
fsr-3858	165	23	of	of	ADP
fsr-3858	165	24	1993	1993	NUM
fsr-3858	165	25	and	and	CCONJ
fsr-3858	165	26	the	the	DET
fsr-3858	165	27	fourth	fourth	ADJ
fsr-3858	165	28	quarter	quarter	NOUN
fsr-3858	165	29	of	of	ADP
fsr-3858	165	30	1994	1994	NUM
fsr-3858	165	31	are	be	AUX
fsr-3858	165	32	retained	retain	VERB
fsr-3858	165	33	.	.	PUNCT
fsr-3858	166	1	for	for	ADP
fsr-3858	166	2	each	each	DET
fsr-3858	166	3	household	household	NOUN
fsr-3858	166	4	,	,	PUNCT
fsr-3858	166	5	data	datum	NOUN
fsr-3858	166	6	on	on	ADP
fsr-3858	166	7	the	the	DET
fsr-3858	166	8	four	four	NUM
fsr-3858	166	9	consecutive	consecutive	ADJ
fsr-3858	166	10	quarters	quarter	NOUN
fsr-3858	166	11	of	of	ADP
fsr-3858	166	12	expenditure	expenditure	NOUN
fsr-3858	166	13	are	be	AUX
fsr-3858	166	14	summed	sum	VERB
fsr-3858	166	15	to	to	PART
fsr-3858	166	16	obtain	obtain	VERB
fsr-3858	166	17	actual	actual	ADJ
fsr-3858	166	18	annual	annual	ADJ
fsr-3858	166	19	household	household	NOUN
fsr-3858	166	20	expenditures	expenditure	NOUN
fsr-3858	166	21	.	.	PUNCT
fsr-3858	167	1	all	all	DET
fsr-3858	167	2	dollar	dollar	NOUN
fsr-3858	167	3	values	value	NOUN
fsr-3858	167	4	are	be	AUX
fsr-3858	167	5	adjusted	adjust	VERB
fsr-3858	167	6	to	to	ADP
fsr-3858	167	7	1994	1994	NUM
fsr-3858	167	8	dollars	dollar	NOUN
fsr-3858	167	9	.	.	PUNCT
fsr-3858	168	1	a	a	DET
fsr-3858	168	2	box	box	NOUN
fsr-3858	168	3	-	-	PUNCT
fsr-3858	168	4	cox	cox	PROPN
fsr-3858	168	5	test	test	NOUN
fsr-3858	168	6	is	be	AUX
fsr-3858	168	7	used	use	VERB
fsr-3858	168	8	to	to	PART
fsr-3858	168	9	determine	determine	VERB
fsr-3858	168	10	the	the	DET
fsr-3858	168	11	best	good	ADJ
fsr-3858	168	12	functional	functional	ADJ
fsr-3858	168	13	form	form	NOUN
fsr-3858	168	14	for	for	ADP
fsr-3858	168	15	the	the	DET
fsr-3858	168	16	expenditure	expenditure	NOUN
fsr-3858	168	17	equation	equation	NOUN
fsr-3858	168	18	,	,	PUNCT
fsr-3858	168	19	and	and	CCONJ
fsr-3858	168	20	the	the	DET
fsr-3858	168	21	double	double	ADJ
fsr-3858	168	22	-	-	PUNCT
fsr-3858	168	23	log	log	NOUN
fsr-3858	168	24	model	model	NOUN
fsr-3858	168	25	is	be	AUX
fsr-3858	168	26	selected	select	VERB
fsr-3858	168	27	:	:	PUNCT
fsr-3858	169	1	ln	ln	ADJ
fsr-3858	169	2	(	(	PUNCT
fsr-3858	169	3	ci	ci	NOUN
fsr-3858	169	4	)	)	PUNCT
fsr-3858	170	1	5	5	NUM
fsr-3858	170	2	f	f	NOUN
fsr-3858	170	3	[	[	X
fsr-3858	170	4	ln	ln	X
fsr-3858	170	5	(	(	PUNCT
fsr-3858	170	6	incomei	incomei	ADJ
fsr-3858	170	7	)	)	PUNCT
fsr-3858	170	8	,	,	PUNCT
fsr-3858	170	9	zi	zi	NOUN
fsr-3858	170	10	]	]	PUNCT
fsr-3858	170	11	where	where	SCONJ
fsr-3858	170	12	zi	zi	NOUN
fsr-3858	170	13	is	be	AUX
fsr-3858	170	14	a	a	DET
fsr-3858	170	15	vector	vector	NOUN
fsr-3858	170	16	of	of	ADP
fsr-3858	170	17	household	household	NOUN
fsr-3858	170	18	characteristics	characteristic	NOUN
fsr-3858	170	19	excluding	exclude	VERB
fsr-3858	170	20	the	the	DET
fsr-3858	170	21	income	income	NOUN
fsr-3858	170	22	variable	variable	NOUN
fsr-3858	170	23	.	.	PUNCT
fsr-3858	171	1	a	a	DET
fsr-3858	171	2	chow	chow	PROPN
fsr-3858	171	3	test	test	NOUN
fsr-3858	171	4	is	be	AUX
fsr-3858	171	5	used	use	VERB
fsr-3858	171	6	to	to	PART
fsr-3858	171	7	compare	compare	VERB
fsr-3858	171	8	separate	separate	ADJ
fsr-3858	171	9	regressions	regression	NOUN
fsr-3858	171	10	for	for	ADP
fsr-3858	171	11	households	household	NOUN
fsr-3858	171	12	that	that	PRON
fsr-3858	171	13	do	do	VERB
fsr-3858	171	14	and	and	CCONJ
fsr-3858	171	15	do	do	AUX
fsr-3858	171	16	not	not	PART
fsr-3858	171	17	spend	spend	VERB
fsr-3858	171	18	less	less	ADJ
fsr-3858	171	19	than	than	ADP
fsr-3858	171	20	income	income	NOUN
fsr-3858	171	21	to	to	ADP
fsr-3858	171	22	a	a	DET
fsr-3858	171	23	regression	regression	NOUN
fsr-3858	171	24	on	on	ADP
fsr-3858	171	25	the	the	DET
fsr-3858	171	26	pooled	pooled	ADJ
fsr-3858	171	27	sample	sample	NOUN
fsr-3858	171	28	of	of	ADP
fsr-3858	171	29	households	household	NOUN
fsr-3858	171	30	.	.	PUNCT
fsr-3858	172	1	the	the	DET
fsr-3858	172	2	chow	chow	NOUN
fsr-3858	172	3	-	-	PUNCT
fsr-3858	172	4	test	test	NOUN
fsr-3858	172	5	rejects	reject	VERB
fsr-3858	172	6	the	the	DET
fsr-3858	172	7	pooled	pooled	ADJ
fsr-3858	172	8	model	model	NOUN
fsr-3858	172	9	at	at	ADP
fsr-3858	172	10	the	the	DET
fsr-3858	172	11	1	1	NUM
fsr-3858	172	12	%	%	NOUN
fsr-3858	172	13	level	level	NOUN
fsr-3858	172	14	of	of	ADP
fsr-3858	172	15	significance	significance	NOUN
fsr-3858	172	16	,	,	PUNCT
fsr-3858	172	17	indicating	indicate	VERB
fsr-3858	172	18	that	that	SCONJ
fsr-3858	172	19	the	the	DET
fsr-3858	172	20	two	two	NUM
fsr-3858	172	21	separate	separate	ADJ
fsr-3858	172	22	regressions	regression	NOUN
fsr-3858	172	23	provide	provide	VERB
fsr-3858	172	24	a	a	DET
fsr-3858	172	25	better	well	ADJ
fsr-3858	172	26	fit	fit	ADJ
fsr-3858	172	27	than	than	ADP
fsr-3858	172	28	the	the	DET
fsr-3858	172	29	regression	regression	NOUN
fsr-3858	172	30	on	on	ADP
fsr-3858	172	31	the	the	DET
fsr-3858	172	32	pooled	pooled	ADJ
fsr-3858	172	33	sample	sample	NOUN
fsr-3858	172	34	.	.	PUNCT
fsr-3858	173	1	these	these	DET
fsr-3858	173	2	regression	regression	NOUN
fsr-3858	173	3	tables	table	NOUN
fsr-3858	173	4	are	be	AUX
fsr-3858	173	5	available	available	ADJ
fsr-3858	173	6	from	from	ADP
fsr-3858	173	7	the	the	DET
fsr-3858	173	8	authors	author	NOUN
fsr-3858	173	9	.	.	PUNCT
fsr-3858	174	1	for	for	ADP
fsr-3858	174	2	each	each	DET
fsr-3858	174	3	household	household	NOUN
fsr-3858	174	4	in	in	ADP
fsr-3858	174	5	the	the	DET
fsr-3858	174	6	sample	sample	NOUN
fsr-3858	174	7	,	,	PUNCT
fsr-3858	174	8	the	the	DET
fsr-3858	174	9	appropriate	appropriate	ADJ
fsr-3858	174	10	household	household	NOUN
fsr-3858	174	11	expenditure	expenditure	NOUN
fsr-3858	174	12	function	function	NOUN
fsr-3858	174	13	(	(	PUNCT
fsr-3858	174	14	separate	separate	ADJ
fsr-3858	174	15	functions	function	NOUN
fsr-3858	174	16	for	for	ADP
fsr-3858	174	17	households	household	NOUN
fsr-3858	174	18	that	that	PRON
fsr-3858	174	19	spend	spend	VERB
fsr-3858	174	20	less	less	ADJ
fsr-3858	174	21	than	than	ADP
fsr-3858	174	22	income	income	NOUN
fsr-3858	174	23	and	and	CCONJ
fsr-3858	174	24	households	household	NOUN
fsr-3858	174	25	that	that	PRON
fsr-3858	174	26	do	do	VERB
fsr-3858	174	27	not	not	PART
fsr-3858	174	28	)	)	PUNCT
fsr-3858	174	29	is	be	AUX
fsr-3858	174	30	used	use	VERB
fsr-3858	174	31	to	to	PART
fsr-3858	174	32	predict	predict	VERB
fsr-3858	174	33	annual	annual	ADJ
fsr-3858	174	34	consumption	consumption	NOUN
fsr-3858	174	35	in	in	ADP
fsr-3858	174	36	the	the	DET
fsr-3858	174	37	year	year	NOUN
fsr-3858	174	38	preceding	precede	VERB
fsr-3858	174	39	retirement	retirement	NOUN
fsr-3858	174	40	.	.	PUNCT
fsr-3858	175	1	the	the	DET
fsr-3858	175	2	predicted	predict	VERB
fsr-3858	175	3	preretirement	preretirement	ADJ
fsr-3858	175	4	consumption	consumption	NOUN
fsr-3858	175	5	level	level	NOUN
fsr-3858	175	6	is	be	AUX
fsr-3858	175	7	used	use	VERB
fsr-3858	175	8	as	as	ADP
fsr-3858	175	9	a	a	DET
fsr-3858	175	10	proxy	proxy	NOUN
fsr-3858	175	11	for	for	ADP
fsr-3858	175	12	the	the	DET
fsr-3858	175	13	desired	desire	VERB
fsr-3858	175	14	level	level	NOUN
fsr-3858	175	15	of	of	ADP
fsr-3858	175	16	retirement	retirement	NOUN
fsr-3858	175	17	consumption	consumption	NOUN
fsr-3858	175	18	.	.	PUNCT
fsr-3858	176	1	3.3.2	3.3.2	X
fsr-3858	176	2	.	.	X
fsr-3858	176	3	real	real	ADJ
fsr-3858	176	4	interest	interest	NOUN
fsr-3858	176	5	rate	rate	NOUN
fsr-3858	176	6	the	the	DET
fsr-3858	176	7	appropriate	appropriate	ADJ
fsr-3858	176	8	real	real	ADJ
fsr-3858	176	9	interest	interest	NOUN
fsr-3858	176	10	rate	rate	NOUN
fsr-3858	176	11	(	(	PUNCT
fsr-3858	176	12	rr	rr	NOUN
fsr-3858	176	13	)	)	PUNCT
fsr-3858	176	14	for	for	ADP
fsr-3858	176	15	discounting	discount	VERB
fsr-3858	176	16	total	total	ADJ
fsr-3858	176	17	retirement	retirement	NOUN
fsr-3858	176	18	needs	need	NOUN
fsr-3858	176	19	should	should	AUX
fsr-3858	176	20	be	be	AUX
fsr-3858	176	21	based	base	VERB
fsr-3858	176	22	on	on	ADP
fsr-3858	176	23	a	a	DET
fsr-3858	176	24	household	household	NOUN
fsr-3858	176	25	’s	’s	PART
fsr-3858	176	26	investment	investment	NOUN
fsr-3858	176	27	behavior	behavior	NOUN
fsr-3858	176	28	.	.	PUNCT
fsr-3858	177	1	it	it	PRON
fsr-3858	177	2	is	be	AUX
fsr-3858	177	3	typically	typically	ADV
fsr-3858	177	4	assumed	assume	VERB
fsr-3858	177	5	that	that	SCONJ
fsr-3858	177	6	retired	retired	ADJ
fsr-3858	177	7	people	people	NOUN
fsr-3858	177	8	invest	invest	VERB
fsr-3858	177	9	very	very	ADV
fsr-3858	177	10	conservatively	conservatively	ADV
fsr-3858	177	11	because	because	SCONJ
fsr-3858	177	12	of	of	ADP
fsr-3858	177	13	their	their	PRON
fsr-3858	177	14	low	low	ADJ
fsr-3858	177	15	level	level	NOUN
fsr-3858	177	16	of	of	ADP
fsr-3858	177	17	risk	risk	NOUN
fsr-3858	177	18	tolerance	tolerance	NOUN
fsr-3858	177	19	during	during	ADP
fsr-3858	177	20	retirement	retirement	NOUN
fsr-3858	177	21	.	.	PUNCT
fsr-3858	178	1	in	in	ADP
fsr-3858	178	2	this	this	DET
fsr-3858	178	3	study	study	NOUN
fsr-3858	178	4	a	a	DET
fsr-3858	178	5	real	real	ADJ
fsr-3858	178	6	discount	discount	NOUN
fsr-3858	178	7	rate	rate	NOUN
fsr-3858	178	8	of	of	ADP
fsr-3858	178	9	2.3	2.3	NUM
fsr-3858	178	10	%	%	NOUN
fsr-3858	178	11	is	be	AUX
fsr-3858	178	12	used	use	VERB
fsr-3858	178	13	to	to	PART
fsr-3858	178	14	calculate	calculate	VERB
fsr-3858	178	15	total	total	ADJ
fsr-3858	178	16	retirement	retirement	NOUN
fsr-3858	178	17	needs	need	NOUN
fsr-3858	178	18	.	.	PUNCT
fsr-3858	179	1	3.3.3	3.3.3	X
fsr-3858	179	2	.	.	PUNCT
fsr-3858	179	3	retirement	retirement	NOUN
fsr-3858	179	4	period	period	NOUN
fsr-3858	179	5	the	the	DET
fsr-3858	179	6	retirement	retirement	NOUN
fsr-3858	179	7	period	period	NOUN
fsr-3858	179	8	is	be	AUX
fsr-3858	179	9	determined	determine	VERB
fsr-3858	179	10	as	as	ADP
fsr-3858	179	11	the	the	DET
fsr-3858	179	12	difference	difference	NOUN
fsr-3858	179	13	between	between	ADP
fsr-3858	179	14	an	an	DET
fsr-3858	179	15	individual	individual	NOUN
fsr-3858	179	16	’s	’s	PART
fsr-3858	179	17	expected	expect	VERB
fsr-3858	179	18	age	age	NOUN
fsr-3858	179	19	at	at	ADP
fsr-3858	179	20	death	death	NOUN
fsr-3858	179	21	and	and	CCONJ
fsr-3858	179	22	age	age	NOUN
fsr-3858	179	23	at	at	ADP
fsr-3858	179	24	planned	plan	VERB
fsr-3858	179	25	retirement	retirement	NOUN
fsr-3858	179	26	.	.	PUNCT
fsr-3858	180	1	expected	expect	VERB
fsr-3858	180	2	age	age	NOUN
fsr-3858	180	3	at	at	ADP
fsr-3858	180	4	death	death	NOUN
fsr-3858	180	5	is	be	AUX
fsr-3858	180	6	estimated	estimate	VERB
fsr-3858	180	7	by	by	ADP
fsr-3858	180	8	gender	gender	NOUN
fsr-3858	180	9	and	and	CCONJ
fsr-3858	180	10	marital	marital	ADJ
fsr-3858	180	11	status	status	NOUN
fsr-3858	180	12	using	use	VERB
fsr-3858	180	13	actuarial	actuarial	ADJ
fsr-3858	180	14	annuity	annuity	NOUN
fsr-3858	180	15	tables	table	NOUN
fsr-3858	180	16	published	publish	VERB
fsr-3858	180	17	by	by	ADP
fsr-3858	180	18	the	the	DET
fsr-3858	180	19	internal	internal	ADJ
fsr-3858	180	20	revenue	revenue	NOUN
fsr-3858	180	21	service	service	NOUN
fsr-3858	180	22	.	.	PUNCT
fsr-3858	181	1	ordinary	ordinary	ADJ
fsr-3858	181	2	single	single	ADJ
fsr-3858	181	3	life	life	NOUN
fsr-3858	181	4	annuities	annuity	NOUN
fsr-3858	181	5	are	be	AUX
fsr-3858	181	6	used	use	VERB
fsr-3858	181	7	for	for	ADP
fsr-3858	181	8	single	single	ADJ
fsr-3858	181	9	people	people	NOUN
fsr-3858	181	10	and	and	CCONJ
fsr-3858	181	11	ordinary	ordinary	ADJ
fsr-3858	181	12	joint	joint	ADJ
fsr-3858	181	13	life	life	NOUN
fsr-3858	181	14	and	and	CCONJ
fsr-3858	181	15	survivor	survivor	NOUN
fsr-3858	181	16	annuities	annuity	NOUN
fsr-3858	181	17	are	be	AUX
fsr-3858	181	18	used	use	VERB
fsr-3858	181	19	for	for	ADP
fsr-3858	181	20	married	married	ADJ
fsr-3858	181	21	couples	couple	NOUN
fsr-3858	181	22	(	(	PUNCT
fsr-3858	181	23	internal	internal	ADJ
fsr-3858	181	24	revenue	revenue	NOUN
fsr-3858	181	25	service	service	NOUN
fsr-3858	181	26	,	,	PUNCT
fsr-3858	181	27	1998	1998	NUM
fsr-3858	181	28	,	,	PUNCT
fsr-3858	181	29	tables	table	NOUN
fsr-3858	181	30	i	i	PRON
fsr-3858	181	31	and	and	CCONJ
fsr-3858	181	32	ii	ii	NUM
fsr-3858	181	33	)	)	PUNCT
fsr-3858	181	34	.	.	PUNCT
fsr-3858	182	1	183y	183y	NOUN
fsr-3858	182	2	.	.	PUNCT
fsr-3858	183	1	yuh	yuh	PROPN
fsr-3858	183	2	et	et	PROPN
fsr-3858	183	3	al	al	PROPN
fsr-3858	183	4	.	.	PUNCT
fsr-3858	183	5	/	/	SYM
fsr-3858	183	6	financial	financial	ADJ
fsr-3858	183	7	services	service	NOUN
fsr-3858	183	8	review	review	VERB
fsr-3858	183	9	7	7	NUM
fsr-3858	183	10	(	(	PUNCT
fsr-3858	183	11	1998	1998	NUM
fsr-3858	183	12	)	)	PUNCT
fsr-3858	183	13	175–193	175–193	NUM
fsr-3858	183	14	table	table	NOUN
fsr-3858	183	15	1	1	NUM
fsr-3858	183	16	sample	sample	NOUN
fsr-3858	183	17	characteristics	characteristic	NOUN
fsr-3858	183	18	and	and	CCONJ
fsr-3858	183	19	wealth	wealth	NOUN
fsr-3858	183	20	-	-	PUNCT
fsr-3858	183	21	needs	need	NOUN
fsr-3858	183	22	ratio	ratio	NOUN
fsr-3858	183	23	by	by	ADP
fsr-3858	183	24	characteristics	characteristic	NOUN
fsr-3858	183	25	(	(	PUNCT
fsr-3858	183	26	mean	mean	ADJ
fsr-3858	183	27	and	and	CCONJ
fsr-3858	183	28	pessimistic	pessimistic	ADJ
fsr-3858	183	29	portfolio	portfolio	NOUN
fsr-3858	183	30	projections	projection	NOUN
fsr-3858	183	31	)	)	PUNCT
fsr-3858	183	32	variables	variable	NOUN
fsr-3858	183	33	%	%	VERB
fsr-3858	183	34	wealth	wealth	NOUN
fsr-3858	183	35	-	-	PUNCT
fsr-3858	183	36	needs	need	NOUN
fsr-3858	183	37	ratio	ratio	NOUN
fsr-3858	183	38	(	(	PUNCT
fsr-3858	183	39	mean	mean	NOUN
fsr-3858	183	40	)	)	PUNCT
fsr-3858	183	41	wealth	wealth	NOUN
fsr-3858	183	42	-	-	PUNCT
fsr-3858	183	43	needs	need	NOUN
fsr-3858	183	44	ratio	ratio	NOUN
fsr-3858	183	45	(	(	PUNCT
fsr-3858	183	46	pessimistic	pessimistic	ADJ
fsr-3858	183	47	)	)	PUNCT
fsr-3858	183	48	total	total	NOUN
fsr-3858	183	49	100.0	100.0	NUM
fsr-3858	183	50	131.7	131.7	NUM
fsr-3858	183	51	103.8	103.8	NUM
fsr-3858	183	52	education	education	NOUN
fsr-3858	183	53	less	less	ADJ
fsr-3858	183	54	than	than	ADP
fsr-3858	183	55	high	high	ADJ
fsr-3858	183	56	school	school	NOUN
fsr-3858	183	57	grad	grad	NOUN
fsr-3858	183	58	.	.	PUNCT
fsr-3858	184	1	9.8	9.8	NUM
fsr-3858	184	2	93.7	93.7	NUM
fsr-3858	184	3	*	*	PUNCT
fsr-3858	184	4	*	*	PUNCT
fsr-3858	184	5	*	*	PUNCT
fsr-3858	185	1	88.6	88.6	NUM
fsr-3858	185	2	*	*	PUNCT
fsr-3858	185	3	*	*	PUNCT
fsr-3858	185	4	*	*	PUNCT
fsr-3858	185	5	high	high	ADJ
fsr-3858	185	6	school	school	NOUN
fsr-3858	185	7	graduate	graduate	NOUN
fsr-3858	185	8	29.8	29.8	NUM
fsr-3858	185	9	120.9	120.9	NUM
fsr-3858	185	10	100.3	100.3	NUM
fsr-3858	185	11	some	some	DET
fsr-3858	185	12	college	college	NOUN
fsr-3858	185	13	26.5	26.5	NUM
fsr-3858	185	14	126.6	126.6	NUM
fsr-3858	185	15	100.2	100.2	NUM
fsr-3858	185	16	college	college	NOUN
fsr-3858	185	17	or	or	CCONJ
fsr-3858	185	18	more	more	ADJ
fsr-3858	185	19	33.8	33.8	NUM
fsr-3858	185	20	156.5	156.5	NUM
fsr-3858	185	21	114.3	114.3	NUM
fsr-3858	185	22	race	race	NOUN
fsr-3858	185	23	/	/	SYM
fsr-3858	185	24	ethnicity	ethnicity	NOUN
fsr-3858	185	25	white	white	ADJ
fsr-3858	185	26	,	,	PUNCT
fsr-3858	185	27	non	non	ADJ
fsr-3858	185	28	-	-	ADJ
fsr-3858	185	29	hispanic	hispanic	ADJ
fsr-3858	185	30	81.0	81.0	NUM
fsr-3858	185	31	136.7	136.7	NUM
fsr-3858	185	32	*	*	PUNCT
fsr-3858	185	33	*	*	PUNCT
fsr-3858	185	34	*	*	PUNCT
fsr-3858	185	35	106.1	106.1	NUM
fsr-3858	185	36	*	*	PUNCT
fsr-3858	185	37	*	*	PUNCT
fsr-3858	185	38	*	*	PUNCT
fsr-3858	185	39	black	black	ADJ
fsr-3858	185	40	,	,	PUNCT
fsr-3858	185	41	non	non	ADJ
fsr-3858	185	42	-	-	ADJ
fsr-3858	185	43	hispanic	hispanic	ADJ
fsr-3858	185	44	10.3	10.3	NUM
fsr-3858	185	45	100.2	100.2	NUM
fsr-3858	185	46	87.4	87.4	NUM
fsr-3858	185	47	hispanic	hispanic	NOUN
fsr-3858	185	48	4.2	4.2	NUM
fsr-3858	185	49	100.8	100.8	NUM
fsr-3858	185	50	84.8	84.8	NUM
fsr-3858	185	51	other	other	ADJ
fsr-3858	185	52	,	,	PUNCT
fsr-3858	185	53	non	non	ADJ
fsr-3858	185	54	-	-	ADJ
fsr-3858	185	55	hispanic	hispanic	ADJ
fsr-3858	185	56	4.5	4.5	NUM
fsr-3858	185	57	143.0	143.0	NUM
fsr-3858	185	58	119.0	119.0	NUM
fsr-3858	185	59	excellent	excellent	ADJ
fsr-3858	185	60	health	health	NOUN
fsr-3858	185	61	yes	yes	INTJ
fsr-3858	185	62	36.7	36.7	NUM
fsr-3858	185	63	143.9	143.9	NUM
fsr-3858	185	64	*	*	PUNCT
fsr-3858	185	65	*	*	PUNCT
fsr-3858	185	66	*	*	PUNCT
fsr-3858	185	67	110.2	110.2	NUM
fsr-3858	185	68	*	*	PUNCT
fsr-3858	185	69	*	*	PUNCT
fsr-3858	185	70	*	*	PUNCT
fsr-3858	185	71	no	no	DET
fsr-3858	185	72	63.3	63.3	NUM
fsr-3858	185	73	124.6	124.6	NUM
fsr-3858	185	74	100.1	100.1	NUM
fsr-3858	185	75	marital	marital	ADJ
fsr-3858	185	76	status	status	NOUN
fsr-3858	185	77	couple	couple	NOUN
fsr-3858	185	78	69.8	69.8	NUM
fsr-3858	185	79	137.2	137.2	NUM
fsr-3858	185	80	*	*	PUNCT
fsr-3858	185	81	*	*	PUNCT
fsr-3858	185	82	*	*	PUNCT
fsr-3858	185	83	107.3	107.3	NUM
fsr-3858	185	84	*	*	PUNCT
fsr-3858	185	85	*	*	PUNCT
fsr-3858	185	86	*	*	PUNCT
fsr-3858	185	87	unmarried	unmarried	ADJ
fsr-3858	185	88	male	male	NOUN
fsr-3858	185	89	9.7	9.7	NUM
fsr-3858	185	90	134.6	134.6	NUM
fsr-3858	185	91	98.4	98.4	NUM
fsr-3858	185	92	unmarried	unmarried	ADJ
fsr-3858	185	93	female	female	NOUN
fsr-3858	185	94	20.5	20.5	NUM
fsr-3858	185	95	111.8	111.8	NUM
fsr-3858	185	96	94.5	94.5	NUM
fsr-3858	185	97	occupation	occupation	NOUN
fsr-3858	185	98	professional	professional	ADJ
fsr-3858	185	99	,	,	PUNCT
fsr-3858	185	100	managerial	managerial	ADJ
fsr-3858	185	101	,	,	PUNCT
fsr-3858	185	102	specialty	specialty	NOUN
fsr-3858	185	103	32.1	32.1	NUM
fsr-3858	185	104	158.1	158.1	NUM
fsr-3858	185	105	*	*	PUNCT
fsr-3858	185	106	*	*	PUNCT
fsr-3858	185	107	*	*	PUNCT
fsr-3858	185	108	117.2	117.2	NUM
fsr-3858	185	109	*	*	PUNCT
fsr-3858	185	110	*	*	PUNCT
fsr-3858	185	111	*	*	PUNCT
fsr-3858	185	112	technical	technical	ADJ
fsr-3858	185	113	,	,	PUNCT
fsr-3858	185	114	sales	sale	NOUN
fsr-3858	185	115	,	,	PUNCT
fsr-3858	185	116	admin	admin	ADJ
fsr-3858	185	117	.	.	PUNCT
fsr-3858	186	1	support	support	VERB
fsr-3858	186	2	25.2	25.2	NUM
fsr-3858	186	3	132.6	132.6	NUM
fsr-3858	186	4	103.1	103.1	NUM
fsr-3858	186	5	service	service	NOUN
fsr-3858	186	6	8.3	8.3	NUM
fsr-3858	186	7	104.7	104.7	NUM
fsr-3858	186	8	93.9	93.9	NUM
fsr-3858	186	9	precision	precision	NOUN
fsr-3858	186	10	production	production	NOUN
fsr-3858	186	11	,	,	PUNCT
fsr-3858	186	12	craft	craft	NOUN
fsr-3858	186	13	,	,	PUNCT
fsr-3858	186	14	repair	repair	VERB
fsr-3858	186	15	12.8	12.8	NUM
fsr-3858	186	16	122.8	122.8	NUM
fsr-3858	186	17	97.8	97.8	NUM
fsr-3858	186	18	operators	operator	NOUN
fsr-3858	186	19	,	,	PUNCT
fsr-3858	186	20	fabricators	fabricator	NOUN
fsr-3858	186	21	,	,	PUNCT
fsr-3858	186	22	laborers	laborer	NOUN
fsr-3858	186	23	20.1	20.1	NUM
fsr-3858	186	24	107.2	107.2	NUM
fsr-3858	186	25	93.4	93.4	NUM
fsr-3858	186	26	farming	farming	NOUN
fsr-3858	186	27	,	,	PUNCT
fsr-3858	186	28	forestry	forestry	NOUN
fsr-3858	186	29	,	,	PUNCT
fsr-3858	186	30	fishing	fish	VERB
fsr-3858	186	31	1.4	1.4	NUM
fsr-3858	186	32	104.0	104.0	NUM
fsr-3858	186	33	73.9	73.9	NUM
fsr-3858	186	34	self	self	NOUN
fsr-3858	186	35	-	-	PUNCT
fsr-3858	186	36	employed	employ	VERB
fsr-3858	187	1	yes	yes	ADV
fsr-3858	187	2	7.0	7.0	NUM
fsr-3858	187	3	193.3	193.3	NUM
fsr-3858	187	4	*	*	PUNCT
fsr-3858	187	5	*	*	PUNCT
fsr-3858	187	6	*	*	PUNCT
fsr-3858	187	7	110.2	110.2	NUM
fsr-3858	187	8	*	*	PUNCT
fsr-3858	187	9	no	no	DET
fsr-3858	187	10	93.0	93.0	NUM
fsr-3858	187	11	127.1	127.1	NUM
fsr-3858	187	12	103.4	103.4	NUM
fsr-3858	187	13	household	household	NOUN
fsr-3858	187	14	income	income	NOUN
fsr-3858	187	15	$	$	SYM
fsr-3858	187	16	0	0	NUM
fsr-3858	187	17	,	,	PUNCT
fsr-3858	187	18	income	income	NOUN
fsr-3858	187	19	#	#	NOUN
fsr-3858	187	20	$	$	SYM
fsr-3858	187	21	32,000	32,000	NUM
fsr-3858	187	22	24.7	24.7	NUM
fsr-3858	187	23	108.5	108.5	NUM
fsr-3858	187	24	*	*	PUNCT
fsr-3858	187	25	*	*	PUNCT
fsr-3858	187	26	*	*	PUNCT
fsr-3858	187	27	91.0	91.0	NUM
fsr-3858	187	28	*	*	PUNCT
fsr-3858	187	29	*	*	PUNCT
fsr-3858	187	30	*	*	NOUN
fsr-3858	187	31	32,000	32,000	NUM
fsr-3858	187	32	,	,	PUNCT
fsr-3858	187	33	income	income	NOUN
fsr-3858	187	34	#	#	NOUN
fsr-3858	187	35	45,000	45,000	NUM
fsr-3858	187	36	25.8	25.8	NUM
fsr-3858	187	37	114.4	114.4	NUM
fsr-3858	187	38	95.6	95.6	NUM
fsr-3858	187	39	45,000	45,000	NUM
fsr-3858	187	40	,	,	PUNCT
fsr-3858	187	41	income	income	NOUN
fsr-3858	187	42	#	#	NOUN
fsr-3858	187	43	71,000	71,000	NUM
fsr-3858	187	44	24.7	24.7	NUM
fsr-3858	187	45	131.5	131.5	NUM
fsr-3858	187	46	106.6	106.6	NUM
fsr-3858	187	47	income	income	NOUN
fsr-3858	187	48	.	.	PUNCT
fsr-3858	188	1	71,000	71,000	NUM
fsr-3858	188	2	24.7	24.7	NUM
fsr-3858	188	3	173.2	173.2	NUM
fsr-3858	188	4	122.5	122.5	NUM
fsr-3858	188	5	ownership	ownership	NOUN
fsr-3858	188	6	of	of	ADP
fsr-3858	188	7	db	db	PROPN
fsr-3858	188	8	plan	plan	NOUN
fsr-3858	188	9	yes	yes	ADV
fsr-3858	188	10	36.1	36.1	NUM
fsr-3858	188	11	146.7	146.7	NUM
fsr-3858	188	12	*	*	PUNCT
fsr-3858	188	13	*	*	PUNCT
fsr-3858	188	14	*	*	PUNCT
fsr-3858	188	15	124.7	124.7	NUM
fsr-3858	188	16	*	*	PUNCT
fsr-3858	188	17	*	*	PUNCT
fsr-3858	188	18	*	*	PUNCT
fsr-3858	189	1	no	no	DET
fsr-3858	189	2	63.9	63.9	NUM
fsr-3858	189	3	123.3	123.3	NUM
fsr-3858	189	4	92.0	92.0	NUM
fsr-3858	189	5	housing	housing	NOUN
fsr-3858	189	6	tenure	tenure	NOUN
fsr-3858	189	7	own	own	ADJ
fsr-3858	189	8	without	without	ADP
fsr-3858	189	9	mortgage	mortgage	NOUN
fsr-3858	189	10	16.4	16.4	NUM
fsr-3858	189	11	147.3	147.3	NUM
fsr-3858	189	12	*	*	PUNCT
fsr-3858	189	13	*	*	PUNCT
fsr-3858	189	14	*	*	PUNCT
fsr-3858	189	15	123.1	123.1	NUM
fsr-3858	189	16	*	*	PUNCT
fsr-3858	189	17	*	*	PUNCT
fsr-3858	189	18	*	*	PUNCT
fsr-3858	189	19	own	own	ADJ
fsr-3858	189	20	with	with	ADP
fsr-3858	189	21	mortgage	mortgage	NOUN
fsr-3858	189	22	62.9	62.9	NUM
fsr-3858	189	23	137.1	137.1	NUM
fsr-3858	189	24	106.6	106.6	NUM
fsr-3858	189	25	rent	rent	NOUN
fsr-3858	189	26	20.7	20.7	NUM
fsr-3858	189	27	102.9	102.9	NUM
fsr-3858	189	28	80.0	80.0	NUM
fsr-3858	189	29	planned	plan	VERB
fsr-3858	189	30	retirement	retirement	NOUN
fsr-3858	189	31	age	age	NOUN
fsr-3858	189	32	61	61	NUM
fsr-3858	189	33	or	or	CCONJ
fsr-3858	189	34	earlier	early	ADV
fsr-3858	189	35	34.6	34.6	NUM
fsr-3858	189	36	114.1	114.1	NUM
fsr-3858	189	37	*	*	PUNCT
fsr-3858	189	38	*	*	PUNCT
fsr-3858	189	39	*	*	PUNCT
fsr-3858	189	40	90.1	90.1	NUM
fsr-3858	189	41	*	*	PUNCT
fsr-3858	189	42	*	*	PUNCT
fsr-3858	189	43	*	*	PUNCT
fsr-3858	189	44	62–65	62–65	NUM
fsr-3858	189	45	55.4	55.4	NUM
fsr-3858	189	46	132.3	132.3	NUM
fsr-3858	189	47	105.7	105.7	NUM
fsr-3858	189	48	66	66	NUM
fsr-3858	189	49	or	or	CCONJ
fsr-3858	189	50	later	later	ADV
fsr-3858	189	51	10.0	10.0	NUM
fsr-3858	189	52	189.8	189.8	NUM
fsr-3858	189	53	141.2	141.2	NUM
fsr-3858	189	54	have	have	VERB
fsr-3858	189	55	retirement	retirement	NOUN
fsr-3858	189	56	as	as	ADP
fsr-3858	189	57	a	a	DET
fsr-3858	189	58	saving	save	VERB
fsr-3858	189	59	goal	goal	NOUN
fsr-3858	190	1	yes	yes	INTJ
fsr-3858	190	2	35.1	35.1	NUM
fsr-3858	190	3	157.5	157.5	NUM
fsr-3858	190	4	*	*	PUNCT
fsr-3858	190	5	*	*	PUNCT
fsr-3858	190	6	*	*	PUNCT
fsr-3858	191	1	120.2	120.2	NUM
fsr-3858	191	2	*	*	PUNCT
fsr-3858	191	3	*	*	PUNCT
fsr-3858	191	4	*	*	PUNCT
fsr-3858	191	5	no	no	DET
fsr-3858	191	6	64.9	64.9	NUM
fsr-3858	191	7	117.8	117.8	NUM
fsr-3858	191	8	95.0	95.0	NUM
fsr-3858	191	9	use	use	NOUN
fsr-3858	191	10	of	of	ADP
fsr-3858	191	11	financial	financial	ADJ
fsr-3858	191	12	planner	planner	NOUN
fsr-3858	192	1	yes	yes	ADV
fsr-3858	192	2	24.7	24.7	NUM
fsr-3858	192	3	145.0	145.0	NUM
fsr-3858	192	4	*	*	PUNCT
fsr-3858	192	5	*	*	PUNCT
fsr-3858	192	6	*	*	PUNCT
fsr-3858	192	7	111.0	111.0	NUM
fsr-3858	192	8	*	*	PUNCT
fsr-3858	192	9	*	*	PUNCT
fsr-3858	192	10	*	*	PUNCT
fsr-3858	193	1	no	no	DET
fsr-3858	193	2	75.3	75.3	NUM
fsr-3858	193	3	127.4	127.4	NUM
fsr-3858	193	4	101.5	101.5	NUM
fsr-3858	193	5	(	(	PUNCT
fsr-3858	193	6	continued	continue	VERB
fsr-3858	193	7	on	on	ADP
fsr-3858	193	8	next	next	ADJ
fsr-3858	193	9	page	page	NOUN
fsr-3858	193	10	)	)	PUNCT
fsr-3858	193	11	184	184	NUM
fsr-3858	193	12	y.	y.	PROPN
fsr-3858	193	13	yuh	yuh	PROPN
fsr-3858	193	14	et	et	PROPN
fsr-3858	193	15	al	al	PROPN
fsr-3858	193	16	.	.	PUNCT
fsr-3858	193	17	/	/	SYM
fsr-3858	193	18	financial	financial	ADJ
fsr-3858	193	19	services	service	NOUN
fsr-3858	193	20	review	review	VERB
fsr-3858	193	21	7	7	NUM
fsr-3858	193	22	(	(	PUNCT
fsr-3858	193	23	1998	1998	NUM
fsr-3858	193	24	)	)	PUNCT
fsr-3858	194	1	175–193	175–193	NUM
fsr-3858	194	2	3.4	3.4	NUM
fsr-3858	194	3	.	.	PUNCT
fsr-3858	194	4	data	datum	NOUN
fsr-3858	194	5	and	and	CCONJ
fsr-3858	194	6	sample	sample	VERB
fsr-3858	194	7	the	the	DET
fsr-3858	194	8	data	datum	NOUN
fsr-3858	194	9	analyzed	analyze	VERB
fsr-3858	194	10	in	in	ADP
fsr-3858	194	11	this	this	DET
fsr-3858	194	12	study	study	NOUN
fsr-3858	194	13	are	be	AUX
fsr-3858	194	14	from	from	ADP
fsr-3858	194	15	the	the	DET
fsr-3858	194	16	public	public	ADJ
fsr-3858	194	17	use	use	NOUN
fsr-3858	194	18	tape	tape	NOUN
fsr-3858	194	19	of	of	ADP
fsr-3858	194	20	the	the	DET
fsr-3858	194	21	1995	1995	NUM
fsr-3858	194	22	survey	survey	NOUN
fsr-3858	194	23	of	of	ADP
fsr-3858	194	24	consumer	consumer	NOUN
fsr-3858	194	25	finances	finance	NOUN
fsr-3858	194	26	(	(	PUNCT
fsr-3858	194	27	scf	scf	PROPN
fsr-3858	194	28	;	;	PUNCT
fsr-3858	194	29	kennickell	kennickell	PROPN
fsr-3858	194	30	et	et	PROPN
fsr-3858	194	31	al	al	PROPN
fsr-3858	194	32	.	.	PROPN
fsr-3858	194	33	,	,	PUNCT
fsr-3858	194	34	1997	1997	NUM
fsr-3858	194	35	)	)	PUNCT
fsr-3858	194	36	.	.	PUNCT
fsr-3858	195	1	the	the	DET
fsr-3858	195	2	scf	scf	PROPN
fsr-3858	195	3	is	be	AUX
fsr-3858	195	4	a	a	DET
fsr-3858	195	5	triennial	triennial	ADJ
fsr-3858	195	6	survey	survey	NOUN
fsr-3858	195	7	sponsored	sponsor	VERB
fsr-3858	195	8	by	by	ADP
fsr-3858	195	9	the	the	DET
fsr-3858	195	10	federal	federal	PROPN
fsr-3858	195	11	reserve	reserve	PROPN
fsr-3858	195	12	with	with	ADP
fsr-3858	195	13	the	the	DET
fsr-3858	195	14	cooperation	cooperation	NOUN
fsr-3858	195	15	of	of	ADP
fsr-3858	195	16	the	the	DET
fsr-3858	195	17	department	department	NOUN
fsr-3858	195	18	of	of	ADP
fsr-3858	195	19	the	the	DET
fsr-3858	195	20	treasury	treasury	NOUN
fsr-3858	195	21	.	.	PUNCT
fsr-3858	196	1	the	the	DET
fsr-3858	196	2	1995	1995	NUM
fsr-3858	196	3	scf	scf	PROPN
fsr-3858	196	4	was	be	AUX
fsr-3858	196	5	conducted	conduct	VERB
fsr-3858	196	6	by	by	ADP
fsr-3858	196	7	the	the	DET
fsr-3858	196	8	national	national	ADJ
fsr-3858	196	9	opinion	opinion	PROPN
fsr-3858	196	10	research	research	NOUN
fsr-3858	196	11	center	center	NOUN
fsr-3858	196	12	(	(	PUNCT
fsr-3858	196	13	norc	norc	NOUN
fsr-3858	196	14	)	)	PUNCT
fsr-3858	196	15	at	at	ADP
fsr-3858	196	16	the	the	DET
fsr-3858	196	17	university	university	NOUN
fsr-3858	196	18	of	of	ADP
fsr-3858	196	19	chicago	chicago	PROPN
fsr-3858	196	20	between	between	ADP
fsr-3858	196	21	july	july	PROPN
fsr-3858	196	22	and	and	CCONJ
fsr-3858	196	23	december	december	PROPN
fsr-3858	196	24	1995	1995	NUM
fsr-3858	196	25	.	.	PUNCT
fsr-3858	197	1	the	the	DET
fsr-3858	197	2	purpose	purpose	NOUN
fsr-3858	197	3	of	of	ADP
fsr-3858	197	4	the	the	DET
fsr-3858	197	5	scf	scf	PROPN
fsr-3858	197	6	is	be	AUX
fsr-3858	197	7	to	to	PART
fsr-3858	197	8	provide	provide	VERB
fsr-3858	197	9	comprehensive	comprehensive	ADJ
fsr-3858	197	10	,	,	PUNCT
fsr-3858	197	11	detailed	detailed	ADJ
fsr-3858	197	12	information	information	NOUN
fsr-3858	197	13	on	on	ADP
fsr-3858	197	14	the	the	DET
fsr-3858	197	15	financial	financial	ADJ
fsr-3858	197	16	characteristics	characteristic	NOUN
fsr-3858	197	17	of	of	ADP
fsr-3858	197	18	u.s	u.s	PROPN
fsr-3858	197	19	.	.	PROPN
fsr-3858	197	20	households	household	NOUN
fsr-3858	197	21	.	.	PUNCT
fsr-3858	198	1	a	a	DET
fsr-3858	198	2	total	total	NOUN
fsr-3858	198	3	of	of	ADP
fsr-3858	198	4	4,299	4,299	NUM
fsr-3858	198	5	families	family	NOUN
fsr-3858	198	6	are	be	AUX
fsr-3858	198	7	interviewed	interview	VERB
fsr-3858	198	8	in	in	ADP
fsr-3858	198	9	the	the	DET
fsr-3858	198	10	1995	1995	NUM
fsr-3858	198	11	scf	scf	PROPN
fsr-3858	198	12	.	.	PUNCT
fsr-3858	199	1	the	the	DET
fsr-3858	199	2	1995	1995	NUM
fsr-3858	199	3	scf	scf	PROPN
fsr-3858	199	4	has	have	VERB
fsr-3858	199	5	five	five	NUM
fsr-3858	199	6	complete	complete	ADJ
fsr-3858	199	7	data	datum	NOUN
fsr-3858	199	8	sets	set	NOUN
fsr-3858	199	9	called	call	VERB
fsr-3858	199	10	“	"	PUNCT
fsr-3858	199	11	implicates	implicate	VERB
fsr-3858	199	12	”	"	PUNCT
fsr-3858	199	13	as	as	ADP
fsr-3858	199	14	a	a	DET
fsr-3858	199	15	result	result	NOUN
fsr-3858	199	16	of	of	ADP
fsr-3858	199	17	multiple	multiple	ADJ
fsr-3858	199	18	imputation	imputation	NOUN
fsr-3858	199	19	to	to	PART
fsr-3858	199	20	handle	handle	VERB
fsr-3858	199	21	missing	miss	VERB
fsr-3858	199	22	data	datum	NOUN
fsr-3858	199	23	.	.	PUNCT
fsr-3858	200	1	this	this	DET
fsr-3858	200	2	study	study	NOUN
fsr-3858	200	3	uses	use	VERB
fsr-3858	200	4	repeated	repeat	VERB
fsr-3858	200	5	-	-	PUNCT
fsr-3858	200	6	imputation	imputation	NOUN
fsr-3858	200	7	inference	inference	NOUN
fsr-3858	200	8	(	(	PUNCT
fsr-3858	200	9	rii	rii	NOUN
fsr-3858	200	10	)	)	PUNCT
fsr-3858	200	11	techniques	technique	NOUN
fsr-3858	200	12	to	to	PART
fsr-3858	200	13	combine	combine	VERB
fsr-3858	200	14	the	the	DET
fsr-3858	200	15	five	five	NUM
fsr-3858	200	16	different	different	ADJ
fsr-3858	200	17	data	datum	NOUN
fsr-3858	200	18	sets	set	NOUN
fsr-3858	200	19	to	to	PART
fsr-3858	200	20	make	make	VERB
fsr-3858	200	21	valid	valid	ADJ
fsr-3858	200	22	inferences	inference	NOUN
fsr-3858	200	23	(	(	PUNCT
fsr-3858	200	24	montalto	montalto	NOUN
fsr-3858	200	25	and	and	CCONJ
fsr-3858	200	26	sung	sung	PROPN
fsr-3858	200	27	,	,	PUNCT
fsr-3858	200	28	1996	1996	NUM
fsr-3858	200	29	;	;	PUNCT
fsr-3858	200	30	rubin	rubin	PROPN
fsr-3858	200	31	,	,	PUNCT
fsr-3858	200	32	1987	1987	NUM
fsr-3858	200	33	)	)	PUNCT
fsr-3858	200	34	.	.	PUNCT
fsr-3858	201	1	households	household	NOUN
fsr-3858	201	2	are	be	AUX
fsr-3858	201	3	included	include	VERB
fsr-3858	201	4	in	in	ADP
fsr-3858	201	5	the	the	DET
fsr-3858	201	6	sample	sample	NOUN
fsr-3858	201	7	if	if	SCONJ
fsr-3858	201	8	the	the	DET
fsr-3858	201	9	householder	householder	NOUN
fsr-3858	201	10	is	be	AUX
fsr-3858	201	11	age	age	NOUN
fsr-3858	201	12	35	35	NUM
fsr-3858	201	13	to	to	ADP
fsr-3858	201	14	70	70	NUM
fsr-3858	201	15	,	,	PUNCT
fsr-3858	201	16	works	work	VERB
fsr-3858	201	17	full	full	ADJ
fsr-3858	201	18	-	-	PUNCT
fsr-3858	201	19	time	time	NOUN
fsr-3858	201	20	,	,	PUNCT
fsr-3858	201	21	and	and	CCONJ
fsr-3858	201	22	indicates	indicate	VERB
fsr-3858	201	23	the	the	DET
fsr-3858	201	24	age	age	NOUN
fsr-3858	201	25	at	at	ADP
fsr-3858	201	26	which	which	PRON
fsr-3858	201	27	s	s	PROPN
fsr-3858	201	28	/	/	SYM
fsr-3858	201	29	he	he	PRON
fsr-3858	201	30	plans	plan	VERB
fsr-3858	201	31	to	to	PART
fsr-3858	201	32	stop	stop	VERB
fsr-3858	201	33	full	full	ADJ
fsr-3858	201	34	-	-	PUNCT
fsr-3858	201	35	time	time	NOUN
fsr-3858	201	36	work	work	NOUN
fsr-3858	201	37	.	.	PUNCT
fsr-3858	202	1	the	the	DET
fsr-3858	202	2	age	age	NOUN
fsr-3858	202	3	cutoffs	cutoff	NOUN
fsr-3858	202	4	are	be	AUX
fsr-3858	202	5	necessary	necessary	ADJ
fsr-3858	202	6	since	since	SCONJ
fsr-3858	202	7	income	income	NOUN
fsr-3858	202	8	and	and	CCONJ
fsr-3858	202	9	portfolio	portfolio	NOUN
fsr-3858	202	10	projections	projection	NOUN
fsr-3858	202	11	are	be	AUX
fsr-3858	202	12	used	use	VERB
fsr-3858	202	13	to	to	PART
fsr-3858	202	14	examine	examine	VERB
fsr-3858	202	15	retirement	retirement	NOUN
fsr-3858	202	16	wealth	wealth	NOUN
fsr-3858	202	17	adequacy	adequacy	NOUN
fsr-3858	202	18	.	.	PUNCT
fsr-3858	203	1	portfolio	portfolio	NOUN
fsr-3858	203	2	projections	projection	NOUN
fsr-3858	203	3	are	be	AUX
fsr-3858	203	4	simulated	simulate	VERB
fsr-3858	203	5	based	base	VERB
fsr-3858	203	6	on	on	ADP
fsr-3858	203	7	the	the	DET
fsr-3858	203	8	household	household	NOUN
fsr-3858	203	9	’s	’s	PART
fsr-3858	203	10	current	current	ADJ
fsr-3858	203	11	portfolio	portfolio	NOUN
fsr-3858	203	12	and	and	CCONJ
fsr-3858	203	13	financial	financial	ADJ
fsr-3858	203	14	situation	situation	NOUN
fsr-3858	203	15	(	(	PUNCT
fsr-3858	203	16	yuh	yuh	PROPN
fsr-3858	203	17	,	,	PUNCT
fsr-3858	203	18	1998	1998	NUM
fsr-3858	203	19	)	)	PUNCT
fsr-3858	203	20	.	.	PUNCT
fsr-3858	204	1	households	household	NOUN
fsr-3858	204	2	are	be	AUX
fsr-3858	204	3	excluded	exclude	VERB
fsr-3858	204	4	from	from	ADP
fsr-3858	204	5	the	the	DET
fsr-3858	204	6	study	study	NOUN
fsr-3858	204	7	if	if	SCONJ
fsr-3858	204	8	information	information	NOUN
fsr-3858	204	9	on	on	ADP
fsr-3858	204	10	the	the	DET
fsr-3858	204	11	age	age	NOUN
fsr-3858	204	12	at	at	ADP
fsr-3858	204	13	which	which	PRON
fsr-3858	204	14	the	the	DET
fsr-3858	204	15	householder	householder	ADJ
fsr-3858	204	16	plans	plan	VERB
fsr-3858	204	17	to	to	PART
fsr-3858	204	18	stop	stop	VERB
fsr-3858	204	19	working	work	VERB
fsr-3858	204	20	full	full	ADJ
fsr-3858	204	21	-	-	PUNCT
fsr-3858	204	22	time	time	NOUN
fsr-3858	204	23	is	be	AUX
fsr-3858	204	24	not	not	PART
fsr-3858	204	25	available	available	ADJ
fsr-3858	204	26	.	.	PUNCT
fsr-3858	205	1	additionally	additionally	ADV
fsr-3858	205	2	,	,	PUNCT
fsr-3858	205	3	households	household	NOUN
fsr-3858	205	4	are	be	AUX
fsr-3858	205	5	included	include	VERB
fsr-3858	205	6	only	only	ADV
fsr-3858	205	7	if	if	SCONJ
fsr-3858	205	8	they	they	PRON
fsr-3858	205	9	have	have	VERB
fsr-3858	205	10	positive	positive	ADJ
fsr-3858	205	11	non	non	ADJ
fsr-3858	205	12	-	-	ADJ
fsr-3858	205	13	investment	investment	ADJ
fsr-3858	205	14	income	income	NOUN
fsr-3858	205	15	and	and	CCONJ
fsr-3858	205	16	total	total	ADJ
fsr-3858	205	17	annual	annual	ADJ
fsr-3858	205	18	household	household	NOUN
fsr-3858	205	19	income	income	NOUN
fsr-3858	205	20	above	above	ADP
fsr-3858	205	21	the	the	DET
fsr-3858	205	22	poverty	poverty	NOUN
fsr-3858	205	23	threshold	threshold	NOUN
fsr-3858	205	24	.	.	PUNCT
fsr-3858	206	1	a	a	DET
fsr-3858	206	2	total	total	NOUN
fsr-3858	206	3	of	of	ADP
fsr-3858	206	4	1,387	1,387	NUM
fsr-3858	206	5	households	household	NOUN
fsr-3858	206	6	meet	meet	VERB
fsr-3858	206	7	all	all	PRON
fsr-3858	206	8	of	of	ADP
fsr-3858	206	9	the	the	DET
fsr-3858	206	10	criteria	criterion	NOUN
fsr-3858	206	11	for	for	ADP
fsr-3858	206	12	inclusion	inclusion	NOUN
fsr-3858	206	13	.	.	PUNCT
fsr-3858	207	1	table	table	NOUN
fsr-3858	207	2	1(continued	1(continued	NUM
fsr-3858	207	3	)	)	PUNCT
fsr-3858	207	4	variables	variable	NOUN
fsr-3858	207	5	%	%	VERB
fsr-3858	207	6	wealth	wealth	NOUN
fsr-3858	207	7	-	-	PUNCT
fsr-3858	207	8	needs	need	NOUN
fsr-3858	207	9	ratio	ratio	NOUN
fsr-3858	207	10	(	(	PUNCT
fsr-3858	207	11	mean	mean	NOUN
fsr-3858	207	12	)	)	PUNCT
fsr-3858	207	13	wealth	wealth	NOUN
fsr-3858	207	14	-	-	PUNCT
fsr-3858	207	15	needs	need	NOUN
fsr-3858	207	16	ratio	ratio	NOUN
fsr-3858	207	17	(	(	PUNCT
fsr-3858	207	18	pessimistic	pessimistic	ADJ
fsr-3858	207	19	)	)	PUNCT
fsr-3858	207	20	stock	stock	NOUN
fsr-3858	207	21	share	share	NOUN
fsr-3858	207	22	0	0	NUM
fsr-3858	207	23	%	%	NOUN
fsr-3858	207	24	41.7	41.7	NUM
fsr-3858	207	25	98.4	98.4	NUM
fsr-3858	207	26	*	*	PUNCT
fsr-3858	207	27	*	*	PUNCT
fsr-3858	208	1	*	*	PUNCT
fsr-3858	209	1	90.7	90.7	NUM
fsr-3858	209	2	*	*	PUNCT
fsr-3858	209	3	*	*	PUNCT
fsr-3858	209	4	*	*	PUNCT
fsr-3858	209	5	0	0	NUM
fsr-3858	209	6	%	%	NOUN
fsr-3858	209	7	,	,	PUNCT
fsr-3858	209	8	stock	stock	NOUN
fsr-3858	209	9	,	,	PUNCT
fsr-3858	209	10	13.5	13.5	NUM
fsr-3858	209	11	%	%	NOUN
fsr-3858	209	12	18.2	18.2	NUM
fsr-3858	209	13	156.8	156.8	NUM
fsr-3858	209	14	117.2	117.2	NUM
fsr-3858	209	15	13.5	13.5	NUM
fsr-3858	209	16	#	#	NOUN
fsr-3858	209	17	stock	stock	NOUN
fsr-3858	209	18	,	,	PUNCT
fsr-3858	209	19	36.5	36.5	NUM
fsr-3858	209	20	20.3	20.3	NUM
fsr-3858	209	21	142.9	142.9	NUM
fsr-3858	209	22	109.1	109.1	NUM
fsr-3858	209	23	stock$	stock$	NUM
fsr-3858	209	24	36.5	36.5	NUM
fsr-3858	209	25	%	%	NOUN
fsr-3858	209	26	19.9	19.9	NUM
fsr-3858	209	27	167.2	167.2	NUM
fsr-3858	209	28	113.8	113.8	NUM
fsr-3858	209	29	spending$	spending$	PROPN
fsr-3858	209	30	income	income	NOUN
fsr-3858	210	1	yes	yes	ADV
fsr-3858	210	2	51.1	51.1	NUM
fsr-3858	210	3	91.8	91.8	NUM
fsr-3858	210	4	*	*	PUNCT
fsr-3858	210	5	*	*	PUNCT
fsr-3858	210	6	*	*	PUNCT
fsr-3858	211	1	74.7	74.7	NUM
fsr-3858	211	2	*	*	PUNCT
fsr-3858	211	3	*	*	PUNCT
fsr-3858	211	4	*	*	AUX
fsr-3858	211	5	no	no	DET
fsr-3858	211	6	48.9	48.9	NUM
fsr-3858	211	7	173.4	173.4	NUM
fsr-3858	211	8	134.3	134.3	NUM
fsr-3858	211	9	take	take	VERB
fsr-3858	211	10	high	high	ADJ
fsr-3858	211	11	financial	financial	ADJ
fsr-3858	211	12	risk	risk	NOUN
fsr-3858	212	1	yes	yes	INTJ
fsr-3858	212	2	20.7	20.7	NUM
fsr-3858	212	3	153.6	153.6	NUM
fsr-3858	212	4	*	*	PUNCT
fsr-3858	212	5	*	*	PUNCT
fsr-3858	212	6	*	*	PUNCT
fsr-3858	213	1	114.0	114.0	NUM
fsr-3858	213	2	*	*	PUNCT
fsr-3858	213	3	*	*	PUNCT
fsr-3858	213	4	*	*	PUNCT
fsr-3858	213	5	no	no	DET
fsr-3858	213	6	79.3	79.3	NUM
fsr-3858	213	7	126.0	126.0	NUM
fsr-3858	213	8	101.2	101.2	NUM
fsr-3858	213	9	expect	expect	VERB
fsr-3858	213	10	income	income	NOUN
fsr-3858	213	11	growth	growth	NOUN
fsr-3858	214	1	yes	yes	ADV
fsr-3858	214	2	17.0	17.0	NUM
fsr-3858	215	1	143.0	143.0	NUM
fsr-3858	215	2	*	*	PUNCT
fsr-3858	215	3	*	*	PUNCT
fsr-3858	215	4	*	*	PROPN
fsr-3858	215	5	102.4	102.4	NUM
fsr-3858	215	6	no	no	DET
fsr-3858	215	7	83.0	83.0	NUM
fsr-3858	215	8	129.4	129.4	NUM
fsr-3858	215	9	104.1	104.1	NUM
fsr-3858	215	10	subjective	subjective	ADJ
fsr-3858	215	11	life	life	NOUN
fsr-3858	215	12	expectancy	expectancy	NOUN
fsr-3858	215	13	live	live	VERB
fsr-3858	215	14	#	#	NOUN
fsr-3858	215	15	24	24	NUM
fsr-3858	215	16	years	year	NOUN
fsr-3858	215	17	24.4	24.4	NUM
fsr-3858	215	18	128.2	128.2	NUM
fsr-3858	215	19	*	*	PUNCT
fsr-3858	215	20	*	*	PUNCT
fsr-3858	215	21	*	*	PUNCT
fsr-3858	215	22	111.1	111.1	NUM
fsr-3858	215	23	*	*	PUNCT
fsr-3858	215	24	*	*	PUNCT
fsr-3858	216	1	*	*	PROPN
fsr-3858	216	2	24	24	NUM
fsr-3858	216	3	,	,	PUNCT
fsr-3858	216	4	live	live	ADJ
fsr-3858	216	5	#	#	NOUN
fsr-3858	216	6	32	32	NUM
fsr-3858	216	7	24.3	24.3	NUM
fsr-3858	216	8	129.7	129.7	NUM
fsr-3858	216	9	100.3	100.3	NUM
fsr-3858	216	10	32	32	NUM
fsr-3858	216	11	,	,	PUNCT
fsr-3858	216	12	live	live	ADJ
fsr-3858	216	13	#	#	NOUN
fsr-3858	216	14	42	42	NUM
fsr-3858	216	15	25.8	25.8	NUM
fsr-3858	216	16	141.7	141.7	NUM
fsr-3858	216	17	106.3	106.3	NUM
fsr-3858	216	18	live	live	ADV
fsr-3858	216	19	.	.	PUNCT
fsr-3858	217	1	42	42	NUM
fsr-3858	217	2	25.5	25.5	NUM
fsr-3858	217	3	126.8	126.8	NUM
fsr-3858	217	4	97.9	97.9	NUM
fsr-3858	217	5	analysis	analysis	NOUN
fsr-3858	217	6	of	of	ADP
fsr-3858	217	7	variance	variance	NOUN
fsr-3858	217	8	f	f	X
fsr-3858	217	9	-	-	PUNCT
fsr-3858	217	10	test	test	NOUN
fsr-3858	217	11	for	for	ADP
fsr-3858	217	12	difference	difference	NOUN
fsr-3858	217	13	of	of	ADP
fsr-3858	217	14	means	mean	NOUN
fsr-3858	217	15	is	be	AUX
fsr-3858	217	16	statistically	statistically	ADV
fsr-3858	217	17	significant	significant	ADJ
fsr-3858	217	18	,	,	PUNCT
fsr-3858	217	19	*	*	PUNCT
fsr-3858	218	1	p	p	X
fsr-3858	218	2	#	#	NOUN
fsr-3858	218	3	0.05	0.05	NUM
fsr-3858	218	4	,	,	PUNCT
fsr-3858	218	5	*	*	PUNCT
fsr-3858	218	6	*	*	PUNCT
fsr-3858	218	7	*	*	PUNCT
fsr-3858	218	8	p	p	PRON
fsr-3858	218	9	#	#	NOUN
fsr-3858	218	10	0.001	0.001	NUM
fsr-3858	218	11	source	source	NOUN
fsr-3858	218	12	:	:	PUNCT
fsr-3858	218	13	1995	1995	NUM
fsr-3858	218	14	survey	survey	NOUN
fsr-3858	218	15	of	of	ADP
fsr-3858	218	16	consumer	consumer	NOUN
fsr-3858	218	17	finances	finance	NOUN
fsr-3858	218	18	,	,	PUNCT
fsr-3858	218	19	combined	combined	ADJ
fsr-3858	218	20	data	datum	NOUN
fsr-3858	218	21	set	set	VERB
fsr-3858	218	22	,	,	PUNCT
fsr-3858	218	23	n5	n5	PROPN
fsr-3858	218	24	6,310	6,310	NUM
fsr-3858	218	25	(	(	PUNCT
fsr-3858	218	26	1,262	1,262	NUM
fsr-3858	218	27	in	in	ADP
fsr-3858	218	28	each	each	DET
fsr-3858	218	29	implicate	implicate	NOUN
fsr-3858	218	30	)	)	PUNCT
fsr-3858	218	31	185y	185y	PROPN
fsr-3858	218	32	.	.	PUNCT
fsr-3858	219	1	yuh	yuh	PROPN
fsr-3858	219	2	et	et	PROPN
fsr-3858	219	3	al	al	PROPN
fsr-3858	219	4	.	.	PUNCT
fsr-3858	219	5	/	/	SYM
fsr-3858	219	6	financial	financial	ADJ
fsr-3858	219	7	services	service	NOUN
fsr-3858	219	8	review	review	VERB
fsr-3858	219	9	7	7	NUM
fsr-3858	219	10	(	(	PUNCT
fsr-3858	219	11	1998	1998	NUM
fsr-3858	219	12	)	)	PUNCT
fsr-3858	220	1	175–193	175–193	NUM
fsr-3858	220	2	3.5	3.5	NUM
fsr-3858	220	3	.	.	PUNCT
fsr-3858	221	1	household	household	NOUN
fsr-3858	221	2	retirement	retirement	PROPN
fsr-3858	221	3	wealth	wealth	NOUN
fsr-3858	221	4	adequacy	adequacy	NOUN
fsr-3858	221	5	each	each	DET
fsr-3858	221	6	household	household	NOUN
fsr-3858	221	7	provides	provide	VERB
fsr-3858	221	8	detailed	detailed	ADJ
fsr-3858	221	9	information	information	NOUN
fsr-3858	221	10	on	on	ADP
fsr-3858	221	11	assets	asset	NOUN
fsr-3858	221	12	that	that	PRON
fsr-3858	221	13	is	be	AUX
fsr-3858	221	14	used	use	VERB
fsr-3858	221	15	to	to	PART
fsr-3858	221	16	estimate	estimate	VERB
fsr-3858	221	17	retirement	retirement	NOUN
fsr-3858	221	18	wealth	wealth	NOUN
fsr-3858	221	19	.	.	PUNCT
fsr-3858	222	1	future	future	ADJ
fsr-3858	222	2	rates	rate	NOUN
fsr-3858	222	3	of	of	ADP
fsr-3858	222	4	return	return	NOUN
fsr-3858	222	5	projected	project	VERB
fsr-3858	222	6	with	with	ADP
fsr-3858	222	7	the	the	DET
fsr-3858	222	8	lognormal	lognormal	ADJ
fsr-3858	222	9	forecasting	forecasting	NOUN
fsr-3858	222	10	model	model	NOUN
fsr-3858	222	11	are	be	AUX
fsr-3858	222	12	used	use	VERB
fsr-3858	222	13	to	to	PART
fsr-3858	222	14	project	project	VERB
fsr-3858	222	15	future	future	ADJ
fsr-3858	222	16	real	real	ADJ
fsr-3858	222	17	accumulations	accumulation	NOUN
fsr-3858	222	18	separately	separately	ADV
fsr-3858	222	19	for	for	ADP
fsr-3858	222	20	business	business	NOUN
fsr-3858	222	21	assets	asset	NOUN
fsr-3858	222	22	(	(	PUNCT
fsr-3858	222	23	using	use	VERB
fsr-3858	222	24	the	the	DET
fsr-3858	222	25	returns	return	NOUN
fsr-3858	222	26	on	on	ADP
fsr-3858	222	27	small	small	ADJ
fsr-3858	222	28	table	table	NOUN
fsr-3858	222	29	2	2	NUM
fsr-3858	222	30	regression	regression	NOUN
fsr-3858	222	31	of	of	ADP
fsr-3858	222	32	wealth	wealth	NOUN
fsr-3858	222	33	-	-	PUNCT
fsr-3858	222	34	needs	need	NOUN
fsr-3858	222	35	ratio	ratio	NOUN
fsr-3858	222	36	(	(	PUNCT
fsr-3858	222	37	%	%	INTJ
fsr-3858	222	38	)	)	PUNCT
fsr-3858	222	39	on	on	ADP
fsr-3858	222	40	household	household	NOUN
fsr-3858	222	41	characteristics	characteristic	NOUN
fsr-3858	222	42	,	,	PUNCT
fsr-3858	222	43	mean	mean	VERB
fsr-3858	222	44	portfolio	portfolio	NOUN
fsr-3858	222	45	projections	projection	NOUN
fsr-3858	222	46	variable	variable	ADJ
fsr-3858	222	47	estimate	estimate	VERB
fsr-3858	222	48	std	std	NOUN
fsr-3858	222	49	error	error	NOUN
fsr-3858	222	50	p	p	NOUN
fsr-3858	222	51	-	-	PUNCT
fsr-3858	222	52	value	value	NOUN
fsr-3858	222	53	intercept	intercept	NOUN
fsr-3858	222	54	2208.1532	2208.1532	NUM
fsr-3858	222	55	72.7955	72.7955	NUM
fsr-3858	222	56	0.0050	0.0050	NUM
fsr-3858	222	57	*	*	PUNCT
fsr-3858	222	58	*	*	PUNCT
fsr-3858	222	59	less	less	ADJ
fsr-3858	222	60	than	than	ADP
fsr-3858	222	61	high	high	ADJ
fsr-3858	222	62	school	school	NOUN
fsr-3858	222	63	:	:	PUNCT
fsr-3858	222	64	reference	reference	NOUN
fsr-3858	222	65	high	high	ADJ
fsr-3858	222	66	school	school	NOUN
fsr-3858	222	67	graduate	graduate	NOUN
fsr-3858	222	68	8.0712	8.0712	NUM
fsr-3858	222	69	16.5438	16.5438	NUM
fsr-3858	222	70	0.6257	0.6257	NUM
fsr-3858	222	71	some	some	DET
fsr-3858	222	72	college	college	NOUN
fsr-3858	222	73	211.5437	211.5437	NUM
fsr-3858	222	74	17.3004	17.3004	NUM
fsr-3858	222	75	0.5047	0.5047	NUM
fsr-3858	222	76	college	college	NOUN
fsr-3858	222	77	or	or	CCONJ
fsr-3858	222	78	more	more	ADJ
fsr-3858	222	79	216.9703	216.9703	NUM
fsr-3858	222	80	18.9179	18.9179	NUM
fsr-3858	222	81	0.3702	0.3702	NUM
fsr-3858	222	82	white	white	ADJ
fsr-3858	222	83	,	,	PUNCT
fsr-3858	222	84	non	non	ADJ
fsr-3858	222	85	-	-	ADJ
fsr-3858	222	86	hispanic	hispanic	ADJ
fsr-3858	222	87	:	:	PUNCT
fsr-3858	222	88	reference	reference	NOUN
fsr-3858	222	89	black	black	ADJ
fsr-3858	222	90	,	,	PUNCT
fsr-3858	222	91	non	non	ADJ
fsr-3858	222	92	-	-	ADJ
fsr-3858	222	93	hispanic	hispanic	ADJ
fsr-3858	222	94	29.1628	29.1628	NUM
fsr-3858	222	95	14.6630	14.6630	NUM
fsr-3858	222	96	0.5321	0.5321	NUM
fsr-3858	222	97	hispanic	hispanic	ADJ
fsr-3858	222	98	24.5669	24.5669	NUM
fsr-3858	222	99	22.9794	22.9794	NUM
fsr-3858	222	100	0.8427	0.8427	NUM
fsr-3858	222	101	other	other	ADJ
fsr-3858	222	102	,	,	PUNCT
fsr-3858	222	103	non	non	ADJ
fsr-3858	222	104	-	-	ADJ
fsr-3858	222	105	hispanic	hispanic	ADJ
fsr-3858	222	106	35.5614	35.5614	NUM
fsr-3858	222	107	17.8932	17.8932	NUM
fsr-3858	222	108	0.0486	0.0486	NUM
fsr-3858	222	109	*	*	PUNCT
fsr-3858	222	110	excellent	excellent	ADJ
fsr-3858	222	111	health	health	NOUN
fsr-3858	222	112	6.5972	6.5972	NUM
fsr-3858	222	113	8.1427	8.1427	NUM
fsr-3858	222	114	0.4180	0.4180	NUM
fsr-3858	222	115	married	married	ADJ
fsr-3858	222	116	couple	couple	NOUN
fsr-3858	222	117	:	:	PUNCT
fsr-3858	222	118	reference	reference	NOUN
fsr-3858	222	119	unmarried	unmarried	ADJ
fsr-3858	222	120	male	male	NOUN
fsr-3858	222	121	41.9206	41.9206	NUM
fsr-3858	222	122	13.3632	13.3632	NUM
fsr-3858	222	123	0.0018	0.0018	NUM
fsr-3858	222	124	*	*	PUNCT
fsr-3858	222	125	*	*	ADJ
fsr-3858	222	126	unmarried	unmarried	ADJ
fsr-3858	222	127	female	female	ADJ
fsr-3858	222	128	13.7288	13.7288	NUM
fsr-3858	222	129	13.2616	13.2616	NUM
fsr-3858	222	130	0.3007	0.3007	NUM
fsr-3858	222	131	household	household	NOUN
fsr-3858	222	132	size	size	NOUN
fsr-3858	222	133	20.8594	20.8594	NUM
fsr-3858	222	134	5.0021	5.0021	NUM
fsr-3858	222	135	0.8639	0.8639	NUM
fsr-3858	222	136	proportion	proportion	NOUN
fsr-3858	222	137	of	of	ADP
fsr-3858	222	138	members	member	NOUN
fsr-3858	222	139	,	,	PUNCT
fsr-3858	222	140	18	18	NUM
fsr-3858	222	141	25.6501	25.6501	NUM
fsr-3858	222	142	26.6756	26.6756	NUM
fsr-3858	222	143	0.3382	0.3382	NUM
fsr-3858	222	144	professional	professional	ADJ
fsr-3858	222	145	,	,	PUNCT
fsr-3858	222	146	managerial	managerial	ADJ
fsr-3858	222	147	,	,	PUNCT
fsr-3858	222	148	specialty	specialty	NOUN
fsr-3858	222	149	:	:	PUNCT
fsr-3858	222	150	reference	reference	NOUN
fsr-3858	222	151	technical	technical	ADJ
fsr-3858	222	152	,	,	PUNCT
fsr-3858	222	153	sales	sale	NOUN
fsr-3858	222	154	,	,	PUNCT
fsr-3858	222	155	admin	admin	ADJ
fsr-3858	222	156	.	.	PUNCT
fsr-3858	223	1	support	support	NOUN
fsr-3858	223	2	26.5285	26.5285	NUM
fsr-3858	223	3	11.0332	11.0332	NUM
fsr-3858	223	4	0.5547	0.5547	NUM
fsr-3858	223	5	service	service	NOUN
fsr-3858	223	6	211.2904	211.2904	NUM
fsr-3858	223	7	17.5343	17.5343	NUM
fsr-3858	223	8	0.5197	0.5197	NUM
fsr-3858	223	9	precision	precision	NOUN
fsr-3858	223	10	production	production	NOUN
fsr-3858	223	11	,	,	PUNCT
fsr-3858	223	12	craft	craft	NOUN
fsr-3858	223	13	,	,	PUNCT
fsr-3858	223	14	repair	repair	VERB
fsr-3858	223	15	229.9816	229.9816	NUM
fsr-3858	223	16	15.6144	15.6144	NUM
fsr-3858	223	17	0.0562	0.0562	NUM
fsr-3858	223	18	operators	operator	NOUN
fsr-3858	223	19	,	,	PUNCT
fsr-3858	223	20	fabricators	fabricator	NOUN
fsr-3858	223	21	,	,	PUNCT
fsr-3858	223	22	laborers	laborer	NOUN
fsr-3858	223	23	230.9372	230.9372	NUM
fsr-3858	223	24	13.9746	13.9746	NUM
fsr-3858	223	25	0.0269	0.0269	NUM
fsr-3858	223	26	*	*	PUNCT
fsr-3858	223	27	farming	farming	NOUN
fsr-3858	223	28	,	,	PUNCT
fsr-3858	223	29	forestry	forestry	NOUN
fsr-3858	223	30	,	,	PUNCT
fsr-3858	223	31	fishing	fish	VERB
fsr-3858	223	32	231.5121	231.5121	NUM
fsr-3858	223	33	35.4799	35.4799	NUM
fsr-3858	223	34	0.3745	0.3745	NUM
fsr-3858	223	35	self	self	NOUN
fsr-3858	223	36	employed	employ	VERB
fsr-3858	223	37	92.9234	92.9234	NUM
fsr-3858	223	38	11.2567	11.2567	NUM
fsr-3858	223	39	0.0000	0.0000	NUM
fsr-3858	223	40	*	*	PUNCT
fsr-3858	223	41	*	*	PUNCT
fsr-3858	223	42	*	*	PUNCT
fsr-3858	223	43	log	log	NOUN
fsr-3858	223	44	of	of	ADP
fsr-3858	223	45	household	household	NOUN
fsr-3858	223	46	income	income	NOUN
fsr-3858	223	47	35.8350	35.8350	NUM
fsr-3858	223	48	6.2803	6.2803	NUM
fsr-3858	223	49	0.0000	0.0000	NUM
fsr-3858	223	50	*	*	PUNCT
fsr-3858	223	51	*	*	PUNCT
fsr-3858	223	52	*	*	PUNCT
fsr-3858	223	53	db	db	PROPN
fsr-3858	223	54	pension	pension	NOUN
fsr-3858	223	55	ownership	ownership	NOUN
fsr-3858	223	56	21.4864	21.4864	NUM
fsr-3858	223	57	8.1988	8.1988	NUM
fsr-3858	223	58	0.0088	0.0088	NUM
fsr-3858	223	59	*	*	PUNCT
fsr-3858	223	60	*	*	PUNCT
fsr-3858	223	61	rent	rent	VERB
fsr-3858	223	62	252.6381	252.6381	NUM
fsr-3858	223	63	14.1551	14.1551	NUM
fsr-3858	223	64	0.0002	0.0002	NUM
fsr-3858	223	65	*	*	PUNCT
fsr-3858	223	66	*	*	PUNCT
fsr-3858	223	67	*	*	PUNCT
fsr-3858	223	68	own	own	ADJ
fsr-3858	223	69	with	with	ADP
fsr-3858	223	70	mortgage	mortgage	NOUN
fsr-3858	223	71	243.2536	243.2536	NUM
fsr-3858	223	72	10.2051	10.2051	NUM
fsr-3858	223	73	0.0000	0.0000	NUM
fsr-3858	223	74	*	*	PUNCT
fsr-3858	223	75	*	*	PUNCT
fsr-3858	223	76	*	*	PUNCT
fsr-3858	223	77	own	own	ADJ
fsr-3858	223	78	without	without	ADP
fsr-3858	223	79	mortgage	mortgage	NOUN
fsr-3858	223	80	:	:	PUNCT
fsr-3858	223	81	reference	reference	NOUN
fsr-3858	223	82	retire	retire	NOUN
fsr-3858	223	83	at	at	ADP
fsr-3858	223	84	61	61	NUM
fsr-3858	223	85	or	or	CCONJ
fsr-3858	223	86	earlier	early	ADV
fsr-3858	223	87	:	:	PUNCT
fsr-3858	223	88	reference	reference	NOUN
fsr-3858	223	89	retire	retire	NOUN
fsr-3858	223	90	at	at	ADP
fsr-3858	223	91	62–65	62–65	NUM
fsr-3858	223	92	27.8241	27.8241	NUM
fsr-3858	223	93	9.1217	9.1217	NUM
fsr-3858	223	94	0.0024	0.0024	NUM
fsr-3858	223	95	*	*	PUNCT
fsr-3858	223	96	*	*	PUNCT
fsr-3858	223	97	retire	retire	NOUN
fsr-3858	223	98	at	at	ADP
fsr-3858	223	99	66	66	NUM
fsr-3858	223	100	or	or	CCONJ
fsr-3858	223	101	up	up	ADV
fsr-3858	223	102	85.3864	85.3864	NUM
fsr-3858	224	1	14.7443	14.7443	NUM
fsr-3858	224	2	0.0000	0.0000	NUM
fsr-3858	224	3	*	*	PUNCT
fsr-3858	224	4	*	*	PUNCT
fsr-3858	224	5	*	*	PUNCT
fsr-3858	224	6	retirement	retirement	NOUN
fsr-3858	224	7	saving	save	VERB
fsr-3858	224	8	goal	goal	NOUN
fsr-3858	224	9	2.7374	2.7374	NUM
fsr-3858	224	10	8.3980	8.3980	NUM
fsr-3858	224	11	0.7446	0.7446	NUM
fsr-3858	224	12	use	use	NOUN
fsr-3858	224	13	of	of	ADP
fsr-3858	224	14	financial	financial	ADJ
fsr-3858	224	15	planner	planner	NOUN
fsr-3858	224	16	0.8698	0.8698	NUM
fsr-3858	224	17	9.4058	9.4058	NUM
fsr-3858	224	18	0.9265	0.9265	NUM
fsr-3858	224	19	stock	stock	NOUN
fsr-3858	224	20	share	share	NOUN
fsr-3858	224	21	25.0523	25.0523	NUM
fsr-3858	224	22	49.0215	49.0215	NUM
fsr-3858	225	1	0.9181	0.9181	NUM
fsr-3858	225	2	investment	investment	NOUN
fsr-3858	225	3	horizon	horizon	NOUN
fsr-3858	225	4	20.4789	20.4789	NUM
fsr-3858	225	5	0.7873	0.7873	NUM
fsr-3858	225	6	0.5436	0.5436	NUM
fsr-3858	225	7	investment	investment	NOUN
fsr-3858	225	8	horizonp	horizonp	ADJ
fsr-3858	225	9	stock	stock	NOUN
fsr-3858	225	10	share	share	NOUN
fsr-3858	225	11	9.4966	9.4966	NUM
fsr-3858	225	12	2.5664	2.5664	NUM
fsr-3858	225	13	0.0004	0.0004	NUM
fsr-3858	225	14	*	*	PUNCT
fsr-3858	225	15	*	*	PUNCT
fsr-3858	225	16	*	*	PUNCT
fsr-3858	225	17	spending$	spending$	PRON
fsr-3858	225	18	income	income	NOUN
fsr-3858	225	19	282.4638	282.4638	NUM
fsr-3858	225	20	8.7886	8.7886	NUM
fsr-3858	225	21	0.0000	0.0000	NUM
fsr-3858	225	22	*	*	PUNCT
fsr-3858	225	23	*	*	PUNCT
fsr-3858	225	24	*	*	PUNCT
fsr-3858	225	25	high	high	ADJ
fsr-3858	225	26	risk	risk	NOUN
fsr-3858	225	27	taking	take	VERB
fsr-3858	225	28	17.0423	17.0423	NUM
fsr-3858	225	29	8.7914	8.7914	NUM
fsr-3858	225	30	0.0526	0.0526	NUM
fsr-3858	225	31	expect	expect	VERB
fsr-3858	225	32	income	income	NOUN
fsr-3858	225	33	growth	growth	NOUN
fsr-3858	225	34	11.1496	11.1496	NUM
fsr-3858	225	35	10.0444	10.0444	NUM
fsr-3858	225	36	0.2680	0.2680	NUM
fsr-3858	225	37	expected	expect	VERB
fsr-3858	225	38	life	life	NOUN
fsr-3858	225	39	expectancy	expectancy	NOUN
fsr-3858	225	40	20.2688	20.2688	NUM
fsr-3858	225	41	0.3782	0.3782	NUM
fsr-3858	225	42	0.4778	0.4778	NUM
fsr-3858	225	43	f	f	NOUN
fsr-3858	225	44	5	5	NUM
fsr-3858	225	45	21.9227	21.9227	NUM
fsr-3858	225	46	,	,	PUNCT
fsr-3858	225	47	p	p	NOUN
fsr-3858	225	48	-	-	PUNCT
fsr-3858	225	49	value5	value5	NOUN
fsr-3858	225	50	0.0000	0.0000	NUM
fsr-3858	225	51	r	r	X
fsr-3858	225	52	-	-	PUNCT
fsr-3858	225	53	square5	square5	NOUN
fsr-3858	225	54	0.3757	0.3757	NUM
fsr-3858	225	55	to	to	ADP
fsr-3858	225	56	0.4017	0.4017	NUM
fsr-3858	225	57	combined	combine	VERB
fsr-3858	225	58	data	datum	NOUN
fsr-3858	225	59	set	set	VERB
fsr-3858	225	60	,	,	PUNCT
fsr-3858	225	61	number	number	NOUN
fsr-3858	225	62	of	of	ADP
fsr-3858	225	63	observations	observation	NOUN
fsr-3858	225	64	in	in	ADP
fsr-3858	225	65	each	each	DET
fsr-3858	225	66	implicate5	implicate5	NOUN
fsr-3858	226	1	1,262	1,262	NUM
fsr-3858	226	2	*	*	PUNCT
fsr-3858	226	3	:	:	PUNCT
fsr-3858	226	4	p	p	ADJ
fsr-3858	226	5	-	-	PUNCT
fsr-3858	226	6	value	value	NOUN
fsr-3858	226	7	#	#	NOUN
fsr-3858	226	8	0.05	0.05	NUM
fsr-3858	226	9	,	,	PUNCT
fsr-3858	226	10	*	*	PUNCT
fsr-3858	226	11	*	*	PUNCT
fsr-3858	226	12	:	:	PUNCT
fsr-3858	226	13	p	p	ADJ
fsr-3858	226	14	-	-	PUNCT
fsr-3858	226	15	value	value	NOUN
fsr-3858	226	16	#	#	NOUN
fsr-3858	226	17	0.01	0.01	NUM
fsr-3858	226	18	,	,	PUNCT
fsr-3858	226	19	*	*	PUNCT
fsr-3858	226	20	*	*	PUNCT
fsr-3858	226	21	*	*	PUNCT
fsr-3858	226	22	:	:	PUNCT
fsr-3858	226	23	p	p	ADJ
fsr-3858	226	24	-	-	PUNCT
fsr-3858	226	25	value	value	NOUN
fsr-3858	226	26	#	#	NOUN
fsr-3858	226	27	0.001	0.001	NUM
fsr-3858	226	28	186	186	NUM
fsr-3858	226	29	y.	y.	PROPN
fsr-3858	226	30	yuh	yuh	PROPN
fsr-3858	226	31	et	et	PROPN
fsr-3858	226	32	al	al	PROPN
fsr-3858	226	33	.	.	PUNCT
fsr-3858	226	34	/	/	SYM
fsr-3858	226	35	financial	financial	ADJ
fsr-3858	226	36	services	service	NOUN
fsr-3858	226	37	review	review	VERB
fsr-3858	226	38	7	7	NUM
fsr-3858	226	39	(	(	PUNCT
fsr-3858	226	40	1998	1998	NUM
fsr-3858	226	41	)	)	PUNCT
fsr-3858	227	1	175–193	175–193	NUM
fsr-3858	227	2	capitalization	capitalization	NOUN
fsr-3858	227	3	stocks	stock	NOUN
fsr-3858	227	4	,	,	PUNCT
fsr-3858	227	5	)	)	PUNCT
fsr-3858	227	6	stocks	stock	NOUN
fsr-3858	227	7	and	and	CCONJ
fsr-3858	227	8	the	the	DET
fsr-3858	227	9	stock	stock	NOUN
fsr-3858	227	10	components	component	NOUN
fsr-3858	227	11	of	of	ADP
fsr-3858	227	12	mutual	mutual	ADJ
fsr-3858	227	13	funds	fund	NOUN
fsr-3858	227	14	(	(	PUNCT
fsr-3858	227	15	using	use	VERB
fsr-3858	227	16	the	the	DET
fsr-3858	227	17	returns	return	NOUN
fsr-3858	227	18	on	on	ADP
fsr-3858	227	19	large	large	ADJ
fsr-3858	227	20	stocks	stock	NOUN
fsr-3858	227	21	,	,	PUNCT
fsr-3858	227	22	)	)	PUNCT
fsr-3858	227	23	bonds	bond	NOUN
fsr-3858	227	24	(	(	PUNCT
fsr-3858	227	25	using	use	VERB
fsr-3858	227	26	the	the	DET
fsr-3858	227	27	returns	return	NOUN
fsr-3858	227	28	on	on	ADP
fsr-3858	227	29	corporate	corporate	ADJ
fsr-3858	227	30	bonds	bond	NOUN
fsr-3858	227	31	)	)	PUNCT
fsr-3858	227	32	,	,	PUNCT
fsr-3858	227	33	money	money	NOUN
fsr-3858	227	34	market	market	NOUN
fsr-3858	227	35	instruments	instrument	NOUN
fsr-3858	227	36	(	(	PUNCT
fsr-3858	227	37	using	use	VERB
fsr-3858	227	38	the	the	DET
fsr-3858	227	39	returns	return	NOUN
fsr-3858	227	40	on	on	ADP
fsr-3858	227	41	treasury	treasury	NOUN
fsr-3858	227	42	bills	bill	NOUN
fsr-3858	227	43	)	)	PUNCT
fsr-3858	227	44	,	,	PUNCT
fsr-3858	227	45	and	and	CCONJ
fsr-3858	227	46	real	real	ADJ
fsr-3858	227	47	estate	estate	NOUN
fsr-3858	227	48	assets	asset	NOUN
fsr-3858	227	49	(	(	PUNCT
fsr-3858	227	50	using	use	VERB
fsr-3858	227	51	the	the	DET
fsr-3858	227	52	returns	return	NOUN
fsr-3858	227	53	on	on	ADP
fsr-3858	227	54	composite	composite	ADJ
fsr-3858	227	55	real	real	ADJ
fsr-3858	227	56	estate	estate	NOUN
fsr-3858	227	57	)	)	PUNCT
fsr-3858	227	58	.	.	PUNCT
fsr-3858	228	1	total	total	ADJ
fsr-3858	228	2	defined	define	VERB
fsr-3858	228	3	benefit	benefit	NOUN
fsr-3858	228	4	pension	pension	NOUN
fsr-3858	228	5	wealth	wealth	NOUN
fsr-3858	228	6	is	be	AUX
fsr-3858	228	7	estimated	estimate	VERB
fsr-3858	228	8	from	from	ADP
fsr-3858	228	9	the	the	DET
fsr-3858	228	10	household	household	NOUN
fsr-3858	228	11	’s	’s	PART
fsr-3858	228	12	self	self	NOUN
fsr-3858	228	13	-	-	PUNCT
fsr-3858	228	14	reported	report	VERB
fsr-3858	228	15	information	information	NOUN
fsr-3858	228	16	on	on	ADP
fsr-3858	228	17	expected	expect	VERB
fsr-3858	228	18	benefits	benefit	NOUN
fsr-3858	228	19	from	from	ADP
fsr-3858	228	20	defined	define	VERB
fsr-3858	228	21	benefit	benefit	NOUN
fsr-3858	228	22	pension	pension	NOUN
fsr-3858	228	23	plans	plan	NOUN
fsr-3858	228	24	.	.	PUNCT
fsr-3858	229	1	the	the	DET
fsr-3858	229	2	geometric	geometric	ADJ
fsr-3858	229	3	mean	mean	NOUN
fsr-3858	229	4	of	of	ADP
fsr-3858	229	5	the	the	DET
fsr-3858	229	6	nominal	nominal	ADJ
fsr-3858	229	7	rate	rate	NOUN
fsr-3858	229	8	of	of	ADP
fsr-3858	229	9	return	return	NOUN
fsr-3858	229	10	for	for	ADP
fsr-3858	229	11	long	long	ADJ
fsr-3858	229	12	-	-	PUNCT
fsr-3858	229	13	term	term	NOUN
fsr-3858	229	14	corporate	corporate	ADJ
fsr-3858	229	15	bonds	bond	NOUN
fsr-3858	229	16	(	(	PUNCT
fsr-3858	229	17	ibbotson	ibbotson	PROPN
fsr-3858	229	18	associates	associates	PROPN
fsr-3858	229	19	,	,	PUNCT
fsr-3858	229	20	1995	1995	NUM
fsr-3858	229	21	,	,	PUNCT
fsr-3858	229	22	pp	pp	ADV
fsr-3858	229	23	.	.	PUNCT
fsr-3858	229	24	38–39	38–39	NUM
fsr-3858	229	25	)	)	PUNCT
fsr-3858	229	26	,	,	PUNCT
fsr-3858	229	27	5.4	5.4	NUM
fsr-3858	229	28	%	%	NOUN
fsr-3858	229	29	,	,	PUNCT
fsr-3858	229	30	is	be	AUX
fsr-3858	229	31	used	use	VERB
fsr-3858	229	32	as	as	ADP
fsr-3858	229	33	the	the	DET
fsr-3858	229	34	discount	discount	NOUN
fsr-3858	229	35	rate	rate	NOUN
fsr-3858	229	36	for	for	ADP
fsr-3858	229	37	calculating	calculate	VERB
fsr-3858	229	38	defined	define	VERB
fsr-3858	229	39	benefit	benefit	NOUN
fsr-3858	229	40	pension	pension	NOUN
fsr-3858	229	41	wealth	wealth	NOUN
fsr-3858	229	42	.	.	PUNCT
fsr-3858	230	1	the	the	DET
fsr-3858	230	2	1995	1995	NUM
fsr-3858	230	3	scf	scf	PROPN
fsr-3858	230	4	does	do	AUX
fsr-3858	230	5	not	not	PART
fsr-3858	230	6	provide	provide	VERB
fsr-3858	230	7	direct	direct	ADJ
fsr-3858	230	8	identification	identification	NOUN
fsr-3858	230	9	of	of	ADP
fsr-3858	230	10	social	social	ADJ
fsr-3858	230	11	security	security	NOUN
fsr-3858	230	12	coverage	coverage	NOUN
fsr-3858	230	13	.	.	PUNCT
fsr-3858	231	1	about	about	ADV
fsr-3858	231	2	95	95	NUM
fsr-3858	231	3	%	%	NOUN
fsr-3858	231	4	of	of	ADP
fsr-3858	231	5	jobs	job	NOUN
fsr-3858	231	6	in	in	ADP
fsr-3858	231	7	the	the	DET
fsr-3858	231	8	u.s	u.s	PROPN
fsr-3858	231	9	.	.	PROPN
fsr-3858	231	10	are	be	AUX
fsr-3858	231	11	covered	cover	VERB
fsr-3858	231	12	by	by	ADP
fsr-3858	231	13	social	social	ADJ
fsr-3858	231	14	security	security	NOUN
fsr-3858	231	15	.	.	PUNCT
fsr-3858	232	1	the	the	DET
fsr-3858	232	2	sample	sample	NOUN
fsr-3858	232	3	in	in	ADP
fsr-3858	232	4	this	this	DET
fsr-3858	232	5	study	study	NOUN
fsr-3858	232	6	consists	consist	VERB
fsr-3858	232	7	of	of	ADP
fsr-3858	232	8	pre	pre	ADJ
fsr-3858	232	9	-	-	ADJ
fsr-3858	232	10	retired	retired	ADJ
fsr-3858	232	11	households	household	NOUN
fsr-3858	232	12	with	with	ADP
fsr-3858	232	13	at	at	ADV
fsr-3858	232	14	least	least	ADV
fsr-3858	232	15	one	one	NUM
fsr-3858	232	16	full	full	ADJ
fsr-3858	232	17	-	-	PUNCT
fsr-3858	232	18	time	time	NOUN
fsr-3858	232	19	worker	worker	NOUN
fsr-3858	232	20	,	,	PUNCT
fsr-3858	232	21	so	so	ADV
fsr-3858	232	22	all	all	DET
fsr-3858	232	23	households	household	NOUN
fsr-3858	232	24	are	be	AUX
fsr-3858	232	25	assumed	assume	VERB
fsr-3858	232	26	to	to	PART
fsr-3858	232	27	be	be	AUX
fsr-3858	232	28	covered	cover	VERB
fsr-3858	232	29	by	by	ADP
fsr-3858	232	30	social	social	ADJ
fsr-3858	232	31	security	security	NOUN
fsr-3858	232	32	.	.	PUNCT
fsr-3858	233	1	the	the	DET
fsr-3858	233	2	annual	annual	ADJ
fsr-3858	233	3	social	social	ADJ
fsr-3858	233	4	security	security	NOUN
fsr-3858	233	5	benefit	benefit	NOUN
fsr-3858	233	6	is	be	AUX
fsr-3858	233	7	estimated	estimate	VERB
fsr-3858	233	8	using	use	VERB
fsr-3858	233	9	current	current	ADJ
fsr-3858	233	10	social	social	ADJ
fsr-3858	233	11	security	security	NOUN
fsr-3858	233	12	replacement	replacement	NOUN
fsr-3858	233	13	ratios	ratio	NOUN
fsr-3858	233	14	based	base	VERB
fsr-3858	233	15	on	on	ADP
fsr-3858	233	16	current	current	ADJ
fsr-3858	233	17	age	age	NOUN
fsr-3858	233	18	,	,	PUNCT
fsr-3858	233	19	planned	plan	VERB
fsr-3858	233	20	retirement	retirement	NOUN
fsr-3858	233	21	age	age	NOUN
fsr-3858	233	22	,	,	PUNCT
fsr-3858	233	23	current	current	ADJ
fsr-3858	233	24	earnings	earning	NOUN
fsr-3858	233	25	,	,	PUNCT
fsr-3858	233	26	and	and	CCONJ
fsr-3858	233	27	marital	marital	ADJ
fsr-3858	233	28	status	status	NOUN
fsr-3858	233	29	(	(	PUNCT
fsr-3858	233	30	social	social	ADJ
fsr-3858	233	31	security	security	NOUN
fsr-3858	233	32	administration	administration	NOUN
fsr-3858	233	33	,	,	PUNCT
fsr-3858	233	34	1995	1995	NUM
fsr-3858	233	35	)	)	PUNCT
fsr-3858	233	36	.	.	PUNCT
fsr-3858	234	1	the	the	DET
fsr-3858	234	2	replacement	replacement	NOUN
fsr-3858	234	3	ratio	ratio	NOUN
fsr-3858	234	4	represents	represent	VERB
fsr-3858	234	5	the	the	DET
fsr-3858	234	6	portion	portion	NOUN
fsr-3858	234	7	of	of	ADP
fsr-3858	234	8	preretirement	preretirement	ADJ
fsr-3858	234	9	salary	salary	NOUN
fsr-3858	234	10	that	that	PRON
fsr-3858	234	11	social	social	ADJ
fsr-3858	234	12	security	security	NOUN
fsr-3858	234	13	income	income	NOUN
fsr-3858	234	14	will	will	AUX
fsr-3858	234	15	replace	replace	VERB
fsr-3858	234	16	.	.	PUNCT
fsr-3858	235	1	the	the	DET
fsr-3858	235	2	estimated	estimate	VERB
fsr-3858	235	3	annual	annual	ADJ
fsr-3858	235	4	social	social	ADJ
fsr-3858	235	5	security	security	NOUN
fsr-3858	235	6	benefit	benefit	NOUN
fsr-3858	235	7	is	be	AUX
fsr-3858	235	8	adjusted	adjust	VERB
fsr-3858	235	9	for	for	ADP
fsr-3858	235	10	early	early	ADJ
fsr-3858	235	11	retirement	retirement	NOUN
fsr-3858	235	12	or	or	CCONJ
fsr-3858	235	13	delayed	delay	VERB
fsr-3858	235	14	retirement	retirement	NOUN
fsr-3858	235	15	as	as	SCONJ
fsr-3858	235	16	indicated	indicate	VERB
fsr-3858	235	17	by	by	ADP
fsr-3858	235	18	the	the	DET
fsr-3858	235	19	planned	plan	VERB
fsr-3858	235	20	retirement	retirement	NOUN
fsr-3858	235	21	age	age	NOUN
fsr-3858	235	22	.	.	PUNCT
fsr-3858	236	1	the	the	DET
fsr-3858	236	2	present	present	ADJ
fsr-3858	236	3	value	value	NOUN
fsr-3858	236	4	of	of	ADP
fsr-3858	236	5	social	social	ADJ
fsr-3858	236	6	security	security	NOUN
fsr-3858	236	7	at	at	ADP
fsr-3858	236	8	the	the	DET
fsr-3858	236	9	point	point	NOUN
fsr-3858	236	10	of	of	ADP
fsr-3858	236	11	planned	plan	VERB
fsr-3858	236	12	retirement	retirement	NOUN
fsr-3858	236	13	is	be	AUX
fsr-3858	236	14	estimated	estimate	VERB
fsr-3858	236	15	using	use	VERB
fsr-3858	236	16	the	the	DET
fsr-3858	236	17	real	real	ADJ
fsr-3858	236	18	discount	discount	NOUN
fsr-3858	236	19	rate	rate	NOUN
fsr-3858	236	20	used	use	VERB
fsr-3858	236	21	by	by	ADP
fsr-3858	236	22	the	the	DET
fsr-3858	236	23	social	social	ADJ
fsr-3858	236	24	security	security	NOUN
fsr-3858	236	25	administration	administration	NOUN
fsr-3858	236	26	(	(	PUNCT
fsr-3858	236	27	2.3	2.3	NUM
fsr-3858	236	28	%	%	NOUN
fsr-3858	236	29	)	)	PUNCT
fsr-3858	236	30	in	in	ADP
fsr-3858	236	31	their	their	PRON
fsr-3858	236	32	long	long	ADJ
fsr-3858	236	33	range	range	NOUN
fsr-3858	236	34	projections	projection	NOUN
fsr-3858	236	35	(	(	PUNCT
fsr-3858	236	36	moore	moore	PROPN
fsr-3858	236	37	and	and	CCONJ
fsr-3858	236	38	mitchell	mitchell	PROPN
fsr-3858	236	39	,	,	PUNCT
fsr-3858	236	40	1997	1997	NUM
fsr-3858	236	41	)	)	PUNCT
fsr-3858	236	42	.	.	PUNCT
fsr-3858	237	1	one	one	NUM
fsr-3858	237	2	limitation	limitation	NOUN
fsr-3858	237	3	of	of	ADP
fsr-3858	237	4	this	this	DET
fsr-3858	237	5	study	study	NOUN
fsr-3858	237	6	is	be	AUX
fsr-3858	237	7	that	that	SCONJ
fsr-3858	237	8	income	income	NOUN
fsr-3858	237	9	taxes	taxis	NOUN
fsr-3858	237	10	on	on	ADP
fsr-3858	237	11	retirement	retirement	NOUN
fsr-3858	237	12	income	income	NOUN
fsr-3858	237	13	are	be	AUX
fsr-3858	237	14	not	not	PART
fsr-3858	237	15	taken	take	VERB
fsr-3858	237	16	into	into	ADP
fsr-3858	237	17	account	account	NOUN
fsr-3858	237	18	.	.	PUNCT
fsr-3858	238	1	no	no	DET
fsr-3858	238	2	previous	previous	ADJ
fsr-3858	238	3	study	study	NOUN
fsr-3858	238	4	has	have	AUX
fsr-3858	238	5	explicitly	explicitly	ADV
fsr-3858	238	6	taken	take	VERB
fsr-3858	238	7	income	income	NOUN
fsr-3858	238	8	taxes	taxis	NOUN
fsr-3858	238	9	on	on	ADP
fsr-3858	238	10	retirement	retirement	NOUN
fsr-3858	238	11	income	income	NOUN
fsr-3858	238	12	into	into	ADP
fsr-3858	238	13	account	account	NOUN
fsr-3858	238	14	,	,	PUNCT
fsr-3858	238	15	probably	probably	ADV
fsr-3858	238	16	because	because	SCONJ
fsr-3858	238	17	of	of	ADP
fsr-3858	238	18	the	the	DET
fsr-3858	238	19	complexity	complexity	NOUN
fsr-3858	238	20	of	of	ADP
fsr-3858	238	21	the	the	DET
fsr-3858	238	22	task	task	NOUN
fsr-3858	238	23	.	.	PUNCT
fsr-3858	239	1	the	the	DET
fsr-3858	239	2	treatment	treatment	NOUN
fsr-3858	239	3	of	of	ADP
fsr-3858	239	4	pension	pension	NOUN
fsr-3858	239	5	and	and	CCONJ
fsr-3858	239	6	annuity	annuity	NOUN
fsr-3858	239	7	income	income	NOUN
fsr-3858	239	8	is	be	AUX
fsr-3858	239	9	complex	complex	ADJ
fsr-3858	239	10	,	,	PUNCT
fsr-3858	239	11	including	include	VERB
fsr-3858	239	12	the	the	DET
fsr-3858	239	13	uncertain	uncertain	ADJ
fsr-3858	239	14	effect	effect	NOUN
fsr-3858	239	15	of	of	ADP
fsr-3858	239	16	roth	roth	PROPN
fsr-3858	239	17	iras	ira	NOUN
fsr-3858	239	18	over	over	ADP
fsr-3858	239	19	the	the	DET
fsr-3858	239	20	next	next	ADJ
fsr-3858	239	21	20	20	NUM
fsr-3858	239	22	or	or	CCONJ
fsr-3858	239	23	30	30	NUM
fsr-3858	239	24	years	year	NOUN
fsr-3858	239	25	.	.	PUNCT
fsr-3858	240	1	given	give	VERB
fsr-3858	240	2	the	the	DET
fsr-3858	240	3	income	income	NOUN
fsr-3858	240	4	distribution	distribution	NOUN
fsr-3858	240	5	of	of	ADP
fsr-3858	240	6	elderly	elderly	ADJ
fsr-3858	240	7	households	household	NOUN
fsr-3858	240	8	,	,	PUNCT
fsr-3858	240	9	it	it	PRON
fsr-3858	240	10	is	be	AUX
fsr-3858	240	11	likely	likely	ADJ
fsr-3858	240	12	that	that	SCONJ
fsr-3858	240	13	a	a	DET
fsr-3858	240	14	majority	majority	NOUN
fsr-3858	240	15	face	face	VERB
fsr-3858	240	16	an	an	DET
fsr-3858	240	17	average	average	ADJ
fsr-3858	240	18	federal	federal	ADJ
fsr-3858	240	19	income	income	NOUN
fsr-3858	240	20	tax	tax	NOUN
fsr-3858	240	21	rate	rate	NOUN
fsr-3858	240	22	under	under	ADP
fsr-3858	240	23	10	10	NUM
fsr-3858	240	24	%	%	NOUN
fsr-3858	240	25	.	.	PUNCT
fsr-3858	241	1	the	the	DET
fsr-3858	241	2	potential	potential	ADJ
fsr-3858	241	3	bias	bias	NOUN
fsr-3858	241	4	from	from	ADP
fsr-3858	241	5	ignoring	ignore	VERB
fsr-3858	241	6	income	income	NOUN
fsr-3858	241	7	taxes	taxis	NOUN
fsr-3858	241	8	on	on	ADP
fsr-3858	241	9	retirement	retirement	NOUN
fsr-3858	241	10	income	income	NOUN
fsr-3858	241	11	may	may	AUX
fsr-3858	241	12	be	be	AUX
fsr-3858	241	13	high	high	ADJ
fsr-3858	241	14	for	for	ADP
fsr-3858	241	15	higher	high	ADJ
fsr-3858	241	16	income	income	NOUN
fsr-3858	241	17	households	household	NOUN
fsr-3858	241	18	and	and	CCONJ
fsr-3858	241	19	zero	zero	NUM
fsr-3858	241	20	for	for	ADP
fsr-3858	241	21	low	low	ADJ
fsr-3858	241	22	income	income	NOUN
fsr-3858	241	23	and	and	CCONJ
fsr-3858	241	24	most	most	ADV
fsr-3858	241	25	moderate	moderate	ADJ
fsr-3858	241	26	income	income	NOUN
fsr-3858	241	27	households	household	NOUN
fsr-3858	241	28	.	.	PUNCT
fsr-3858	242	1	4	4	X
fsr-3858	242	2	.	.	NUM
fsr-3858	242	3	findings	finding	NOUN
fsr-3858	242	4	and	and	CCONJ
fsr-3858	242	5	discussion	discussion	NOUN
fsr-3858	242	6	4.1	4.1	NUM
fsr-3858	242	7	.	.	PUNCT
fsr-3858	243	1	descriptive	descriptive	ADJ
fsr-3858	243	2	statistics	statistic	NOUN
fsr-3858	243	3	the	the	DET
fsr-3858	243	4	dependent	dependent	ADJ
fsr-3858	243	5	variable	variable	NOUN
fsr-3858	243	6	analyzed	analyze	VERB
fsr-3858	243	7	is	be	AUX
fsr-3858	243	8	the	the	DET
fsr-3858	243	9	wealth	wealth	NOUN
fsr-3858	243	10	-	-	PUNCT
fsr-3858	243	11	needs	need	NOUN
fsr-3858	243	12	ratio	ratio	NOUN
fsr-3858	243	13	expressed	express	VERB
fsr-3858	243	14	as	as	ADP
fsr-3858	243	15	a	a	DET
fsr-3858	243	16	percentage	percentage	NOUN
fsr-3858	243	17	:	:	PUNCT
fsr-3858	243	18	[	[	PUNCT
fsr-3858	243	19	projected	project	VERB
fsr-3858	243	20	retirement	retirement	NOUN
fsr-3858	243	21	wealth	wealth	NOUN
fsr-3858	243	22	/	/	PUNCT
fsr-3858	243	23	total	total	ADJ
fsr-3858	243	24	retirement	retirement	NOUN
fsr-3858	243	25	needs]*100	needs]*100	VERB
fsr-3858	243	26	to	to	PART
fsr-3858	243	27	reduce	reduce	VERB
fsr-3858	243	28	the	the	DET
fsr-3858	243	29	amount	amount	NOUN
fsr-3858	243	30	of	of	ADP
fsr-3858	243	31	variance	variance	NOUN
fsr-3858	243	32	in	in	ADP
fsr-3858	243	33	the	the	DET
fsr-3858	243	34	dependent	dependent	ADJ
fsr-3858	243	35	variable	variable	NOUN
fsr-3858	243	36	,	,	PUNCT
fsr-3858	243	37	households	household	NOUN
fsr-3858	243	38	with	with	ADP
fsr-3858	243	39	a	a	DET
fsr-3858	243	40	wealthneeds	wealthneed	NOUN
fsr-3858	243	41	ratio	ratio	NOUN
fsr-3858	243	42	greater	great	ADJ
fsr-3858	243	43	than	than	ADP
fsr-3858	243	44	1,000	1,000	NUM
fsr-3858	243	45	based	base	VERB
fsr-3858	243	46	on	on	ADP
fsr-3858	243	47	the	the	DET
fsr-3858	243	48	mean	mean	ADJ
fsr-3858	243	49	case	case	NOUN
fsr-3858	243	50	projection	projection	NOUN
fsr-3858	243	51	are	be	AUX
fsr-3858	243	52	dropped	drop	VERB
fsr-3858	243	53	,	,	PUNCT
fsr-3858	243	54	resulting	result	VERB
fsr-3858	243	55	in	in	ADP
fsr-3858	243	56	a	a	DET
fsr-3858	243	57	sample	sample	NOUN
fsr-3858	243	58	of	of	ADP
fsr-3858	243	59	1,262	1,262	NUM
fsr-3858	243	60	households	household	NOUN
fsr-3858	243	61	.	.	PUNCT
fsr-3858	244	1	two	two	NUM
fsr-3858	244	2	different	different	ADJ
fsr-3858	244	3	ratios	ratio	NOUN
fsr-3858	244	4	are	be	AUX
fsr-3858	244	5	computed	compute	VERB
fsr-3858	244	6	,	,	PUNCT
fsr-3858	244	7	based	base	VERB
fsr-3858	244	8	on	on	ADP
fsr-3858	244	9	the	the	DET
fsr-3858	244	10	mean	mean	ADJ
fsr-3858	244	11	projection	projection	NOUN
fsr-3858	244	12	and	and	CCONJ
fsr-3858	244	13	the	the	DET
fsr-3858	244	14	pessimistic	pessimistic	ADJ
fsr-3858	244	15	projection	projection	NOUN
fsr-3858	244	16	.	.	PUNCT
fsr-3858	245	1	the	the	DET
fsr-3858	245	2	median	median	ADJ
fsr-3858	245	3	ratio	ratio	NOUN
fsr-3858	245	4	is	be	AUX
fsr-3858	245	5	102	102	NUM
fsr-3858	245	6	%	%	NOUN
fsr-3858	245	7	for	for	ADP
fsr-3858	245	8	the	the	DET
fsr-3858	245	9	mean	mean	ADJ
fsr-3858	245	10	projection	projection	NOUN
fsr-3858	245	11	and	and	CCONJ
fsr-3858	245	12	87	87	NUM
fsr-3858	245	13	%	%	NOUN
fsr-3858	245	14	for	for	ADP
fsr-3858	245	15	the	the	DET
fsr-3858	245	16	pessimistic	pessimistic	ADJ
fsr-3858	245	17	projection	projection	NOUN
fsr-3858	245	18	.	.	PUNCT
fsr-3858	246	1	for	for	ADP
fsr-3858	246	2	the	the	DET
fsr-3858	246	3	mean	mean	ADJ
fsr-3858	246	4	projection	projection	NOUN
fsr-3858	246	5	,	,	PUNCT
fsr-3858	246	6	25	25	NUM
fsr-3858	246	7	%	%	NOUN
fsr-3858	246	8	of	of	ADP
fsr-3858	246	9	the	the	DET
fsr-3858	246	10	households	household	NOUN
fsr-3858	246	11	have	have	VERB
fsr-3858	246	12	a	a	DET
fsr-3858	246	13	wealth	wealth	NOUN
fsr-3858	246	14	-	-	PUNCT
fsr-3858	246	15	needs	need	NOUN
fsr-3858	246	16	ratio	ratio	NOUN
fsr-3858	246	17	of	of	ADP
fsr-3858	246	18	68	68	NUM
fsr-3858	246	19	%	%	NOUN
fsr-3858	246	20	or	or	CCONJ
fsr-3858	246	21	less	less	ADJ
fsr-3858	246	22	,	,	PUNCT
fsr-3858	246	23	and	and	CCONJ
fsr-3858	246	24	for	for	ADP
fsr-3858	246	25	the	the	DET
fsr-3858	246	26	pessimistic	pessimistic	ADJ
fsr-3858	246	27	projection	projection	NOUN
fsr-3858	246	28	,	,	PUNCT
fsr-3858	246	29	25	25	NUM
fsr-3858	246	30	%	%	NOUN
fsr-3858	246	31	of	of	ADP
fsr-3858	246	32	the	the	DET
fsr-3858	246	33	households	household	NOUN
fsr-3858	246	34	have	have	VERB
fsr-3858	246	35	a	a	DET
fsr-3858	246	36	ratio	ratio	NOUN
fsr-3858	246	37	of	of	ADP
fsr-3858	246	38	61	61	NUM
fsr-3858	246	39	%	%	NOUN
fsr-3858	246	40	or	or	CCONJ
fsr-3858	246	41	less	less	ADJ
fsr-3858	246	42	.	.	PUNCT
fsr-3858	247	1	about	about	ADV
fsr-3858	247	2	52	52	NUM
fsr-3858	247	3	%	%	NOUN
fsr-3858	247	4	of	of	ADP
fsr-3858	247	5	the	the	DET
fsr-3858	247	6	households	household	NOUN
fsr-3858	247	7	in	in	ADP
fsr-3858	247	8	the	the	DET
fsr-3858	247	9	sample	sample	NOUN
fsr-3858	247	10	have	have	VERB
fsr-3858	247	11	adequate	adequate	ADJ
fsr-3858	247	12	wealth	wealth	NOUN
fsr-3858	247	13	for	for	ADP
fsr-3858	247	14	retirement	retirement	NOUN
fsr-3858	247	15	at	at	ADP
fsr-3858	247	16	the	the	DET
fsr-3858	247	17	187y	187y	NOUN
fsr-3858	247	18	.	.	PUNCT
fsr-3858	248	1	yuh	yuh	PROPN
fsr-3858	248	2	et	et	PROPN
fsr-3858	248	3	al	al	PROPN
fsr-3858	248	4	.	.	PUNCT
fsr-3858	248	5	/	/	SYM
fsr-3858	248	6	financial	financial	ADJ
fsr-3858	248	7	services	service	NOUN
fsr-3858	248	8	review	review	VERB
fsr-3858	248	9	7	7	NUM
fsr-3858	248	10	(	(	PUNCT
fsr-3858	248	11	1998	1998	NUM
fsr-3858	248	12	)	)	PUNCT
fsr-3858	249	1	175–193	175–193	NUM
fsr-3858	249	2	planned	plan	VERB
fsr-3858	249	3	retirement	retirement	NOUN
fsr-3858	249	4	age	age	NOUN
fsr-3858	249	5	under	under	ADP
fsr-3858	249	6	the	the	DET
fsr-3858	249	7	mean	mean	ADJ
fsr-3858	249	8	case	case	NOUN
fsr-3858	249	9	projection	projection	NOUN
fsr-3858	249	10	.	.	PUNCT
fsr-3858	250	1	only	only	ADV
fsr-3858	250	2	42	42	NUM
fsr-3858	250	3	%	%	NOUN
fsr-3858	250	4	of	of	ADP
fsr-3858	250	5	the	the	DET
fsr-3858	250	6	households	household	NOUN
fsr-3858	250	7	in	in	ADP
fsr-3858	250	8	the	the	DET
fsr-3858	250	9	sample	sample	NOUN
fsr-3858	250	10	have	have	VERB
fsr-3858	250	11	adequate	adequate	ADJ
fsr-3858	250	12	wealth	wealth	NOUN
fsr-3858	250	13	for	for	ADP
fsr-3858	250	14	retirement	retirement	NOUN
fsr-3858	250	15	at	at	ADP
fsr-3858	250	16	the	the	DET
fsr-3858	250	17	planned	plan	VERB
fsr-3858	250	18	retirement	retirement	NOUN
fsr-3858	250	19	age	age	NOUN
fsr-3858	250	20	under	under	ADP
fsr-3858	250	21	the	the	DET
fsr-3858	250	22	pessimistic	pessimistic	ADJ
fsr-3858	250	23	case	case	NOUN
fsr-3858	250	24	projection	projection	NOUN
fsr-3858	250	25	.	.	PUNCT
fsr-3858	251	1	sample	sample	NOUN
fsr-3858	251	2	characteristics	characteristic	NOUN
fsr-3858	251	3	are	be	AUX
fsr-3858	251	4	provided	provide	VERB
fsr-3858	251	5	in	in	ADP
fsr-3858	251	6	the	the	DET
fsr-3858	251	7	second	second	ADJ
fsr-3858	251	8	column	column	NOUN
fsr-3858	251	9	of	of	ADP
fsr-3858	251	10	table	table	NOUN
fsr-3858	251	11	1	1	NUM
fsr-3858	251	12	.	.	PUNCT
fsr-3858	252	1	only	only	ADV
fsr-3858	252	2	36	36	NUM
fsr-3858	252	3	%	%	NOUN
fsr-3858	252	4	of	of	ADP
fsr-3858	252	5	the	the	DET
fsr-3858	252	6	households	household	NOUN
fsr-3858	252	7	own	own	VERB
fsr-3858	252	8	defined	define	VERB
fsr-3858	252	9	benefit	benefit	NOUN
fsr-3858	252	10	pension	pension	NOUN
fsr-3858	252	11	plans	plan	NOUN
fsr-3858	252	12	.	.	PUNCT
fsr-3858	253	1	about	about	ADV
fsr-3858	253	2	40	40	NUM
fsr-3858	253	3	%	%	NOUN
fsr-3858	253	4	of	of	ADP
fsr-3858	253	5	the	the	DET
fsr-3858	253	6	households	household	NOUN
fsr-3858	253	7	hold	hold	VERB
fsr-3858	253	8	13.5	13.5	NUM
fsr-3858	253	9	%	%	NOUN
fsr-3858	253	10	or	or	CCONJ
fsr-3858	253	11	more	more	ADJ
fsr-3858	253	12	of	of	ADP
fsr-3858	253	13	their	their	PRON
fsr-3858	253	14	non	non	ADJ
fsr-3858	253	15	-	-	ADJ
fsr-3858	253	16	housing	housing	ADJ
fsr-3858	253	17	assets	asset	NOUN
fsr-3858	253	18	in	in	ADP
fsr-3858	253	19	stock	stock	NOUN
fsr-3858	253	20	.	.	PUNCT
fsr-3858	254	1	over	over	ADP
fsr-3858	254	2	half	half	NOUN
fsr-3858	254	3	(	(	PUNCT
fsr-3858	254	4	55	55	NUM
fsr-3858	254	5	%	%	NOUN
fsr-3858	254	6	)	)	PUNCT
fsr-3858	254	7	of	of	ADP
fsr-3858	254	8	the	the	DET
fsr-3858	254	9	householders	householder	NOUN
fsr-3858	254	10	plan	plan	VERB
fsr-3858	254	11	to	to	PART
fsr-3858	254	12	retire	retire	VERB
fsr-3858	254	13	between	between	ADP
fsr-3858	254	14	age	age	NOUN
fsr-3858	254	15	62	62	NUM
fsr-3858	254	16	and	and	CCONJ
fsr-3858	254	17	65	65	NUM
fsr-3858	254	18	,	,	PUNCT
fsr-3858	254	19	and	and	CCONJ
fsr-3858	254	20	35	35	NUM
fsr-3858	254	21	%	%	NOUN
fsr-3858	254	22	of	of	ADP
fsr-3858	254	23	the	the	DET
fsr-3858	254	24	households	household	NOUN
fsr-3858	254	25	have	have	VERB
fsr-3858	254	26	retirement	retirement	NOUN
fsr-3858	254	27	as	as	ADP
fsr-3858	254	28	a	a	DET
fsr-3858	254	29	major	major	ADJ
fsr-3858	254	30	saving	saving	NOUN
fsr-3858	254	31	goal	goal	NOUN
fsr-3858	254	32	.	.	PUNCT
fsr-3858	255	1	about	about	ADV
fsr-3858	255	2	half	half	NOUN
fsr-3858	255	3	of	of	ADP
fsr-3858	255	4	the	the	DET
fsr-3858	255	5	households	household	NOUN
fsr-3858	255	6	(	(	PUNCT
fsr-3858	255	7	51	51	NUM
fsr-3858	255	8	%	%	NOUN
fsr-3858	255	9	)	)	PUNCT
fsr-3858	255	10	indicate	indicate	VERB
fsr-3858	255	11	their	their	PRON
fsr-3858	255	12	spending	spending	NOUN
fsr-3858	255	13	is	be	AUX
fsr-3858	255	14	at	at	ADV
fsr-3858	255	15	least	least	ADJ
fsr-3858	255	16	as	as	ADV
fsr-3858	255	17	high	high	ADJ
fsr-3858	255	18	as	as	ADP
fsr-3858	255	19	income	income	NOUN
fsr-3858	255	20	last	last	ADJ
fsr-3858	255	21	year	year	NOUN
fsr-3858	255	22	,	,	PUNCT
fsr-3858	255	23	and	and	CCONJ
fsr-3858	255	24	the	the	DET
fsr-3858	255	25	majority	majority	NOUN
fsr-3858	255	26	do	do	AUX
fsr-3858	255	27	not	not	PART
fsr-3858	255	28	expect	expect	VERB
fsr-3858	255	29	future	future	ADJ
fsr-3858	255	30	real	real	ADJ
fsr-3858	255	31	income	income	NOUN
fsr-3858	255	32	growth	growth	NOUN
fsr-3858	255	33	(	(	PUNCT
fsr-3858	255	34	83	83	NUM
fsr-3858	255	35	%	%	NOUN
fsr-3858	255	36	)	)	PUNCT
fsr-3858	255	37	.	.	PUNCT
fsr-3858	256	1	about	about	ADV
fsr-3858	256	2	one	one	NUM
fsr-3858	256	3	fourth	fourth	ADJ
fsr-3858	256	4	of	of	ADP
fsr-3858	256	5	the	the	DET
fsr-3858	256	6	householders	householder	NOUN
fsr-3858	256	7	(	(	PUNCT
fsr-3858	256	8	25	25	NUM
fsr-3858	256	9	%	%	NOUN
fsr-3858	256	10	)	)	PUNCT
fsr-3858	256	11	expect	expect	VERB
fsr-3858	256	12	to	to	PART
fsr-3858	256	13	live	live	VERB
fsr-3858	256	14	an	an	DET
fsr-3858	256	15	additional	additional	ADJ
fsr-3858	256	16	42	42	NUM
fsr-3858	256	17	years	year	NOUN
fsr-3858	256	18	or	or	CCONJ
fsr-3858	256	19	more	more	ADJ
fsr-3858	256	20	,	,	PUNCT
fsr-3858	256	21	and	and	CCONJ
fsr-3858	256	22	another	another	DET
fsr-3858	256	23	fourth	fourth	ADJ
fsr-3858	256	24	(	(	PUNCT
fsr-3858	256	25	24	24	NUM
fsr-3858	256	26	%	%	NOUN
fsr-3858	256	27	)	)	PUNCT
fsr-3858	256	28	expect	expect	VERB
fsr-3858	256	29	to	to	PART
fsr-3858	256	30	live	live	VERB
fsr-3858	256	31	an	an	DET
fsr-3858	256	32	additional	additional	ADJ
fsr-3858	256	33	24	24	NUM
fsr-3858	256	34	years	year	NOUN
fsr-3858	256	35	or	or	CCONJ
fsr-3858	256	36	less	less	ADJ
fsr-3858	256	37	.	.	PUNCT
fsr-3858	257	1	about	about	ADV
fsr-3858	257	2	21	21	NUM
fsr-3858	257	3	%	%	NOUN
fsr-3858	257	4	of	of	ADP
fsr-3858	257	5	the	the	DET
fsr-3858	257	6	households	household	NOUN
fsr-3858	257	7	are	be	AUX
fsr-3858	257	8	willing	willing	ADJ
fsr-3858	257	9	to	to	PART
fsr-3858	257	10	take	take	VERB
fsr-3858	257	11	high	high	ADJ
fsr-3858	257	12	financial	financial	ADJ
fsr-3858	257	13	risk	risk	NOUN
fsr-3858	257	14	to	to	PART
fsr-3858	257	15	earn	earn	VERB
fsr-3858	257	16	high	high	ADJ
fsr-3858	257	17	returns	return	NOUN
fsr-3858	257	18	.	.	PUNCT
fsr-3858	258	1	4.2	4.2	NUM
fsr-3858	258	2	.	.	PUNCT
fsr-3858	259	1	analysis	analysis	NOUN
fsr-3858	259	2	of	of	ADP
fsr-3858	259	3	variance	variance	NOUN
fsr-3858	259	4	results	result	NOUN
fsr-3858	259	5	from	from	ADP
fsr-3858	259	6	analysis	analysis	NOUN
fsr-3858	259	7	of	of	ADP
fsr-3858	259	8	the	the	DET
fsr-3858	259	9	wealth	wealth	NOUN
fsr-3858	259	10	-	-	PUNCT
fsr-3858	259	11	needs	need	NOUN
fsr-3858	259	12	ratio	ratio	NOUN
fsr-3858	259	13	by	by	ADP
fsr-3858	259	14	each	each	DET
fsr-3858	259	15	variable	variable	NOUN
fsr-3858	259	16	are	be	AUX
fsr-3858	259	17	provided	provide	VERB
fsr-3858	259	18	in	in	ADP
fsr-3858	259	19	the	the	DET
fsr-3858	259	20	third	third	ADJ
fsr-3858	259	21	column	column	NOUN
fsr-3858	259	22	of	of	ADP
fsr-3858	259	23	table	table	NOUN
fsr-3858	259	24	1	1	NUM
fsr-3858	259	25	for	for	ADP
fsr-3858	259	26	the	the	DET
fsr-3858	259	27	mean	mean	ADJ
fsr-3858	259	28	case	case	NOUN
fsr-3858	259	29	projection	projection	NOUN
fsr-3858	259	30	,	,	PUNCT
fsr-3858	259	31	and	and	CCONJ
fsr-3858	259	32	in	in	ADP
fsr-3858	259	33	the	the	DET
fsr-3858	259	34	last	last	ADJ
fsr-3858	259	35	column	column	NOUN
fsr-3858	259	36	of	of	ADP
fsr-3858	259	37	table	table	NOUN
fsr-3858	259	38	1	1	NUM
fsr-3858	259	39	for	for	ADP
fsr-3858	259	40	the	the	DET
fsr-3858	259	41	pessimistic	pessimistic	ADJ
fsr-3858	259	42	case	case	NOUN
fsr-3858	259	43	projection	projection	NOUN
fsr-3858	259	44	.	.	PUNCT
fsr-3858	260	1	analysis	analysis	NOUN
fsr-3858	260	2	of	of	ADP
fsr-3858	260	3	variance	variance	NOUN
fsr-3858	260	4	f	f	X
fsr-3858	260	5	-	-	PUNCT
fsr-3858	260	6	tests	test	NOUN
fsr-3858	260	7	are	be	AUX
fsr-3858	260	8	used	use	VERB
fsr-3858	260	9	to	to	PART
fsr-3858	260	10	identify	identify	VERB
fsr-3858	260	11	the	the	DET
fsr-3858	260	12	categories	category	NOUN
fsr-3858	260	13	of	of	ADP
fsr-3858	260	14	independent	independent	ADJ
fsr-3858	260	15	variables	variable	NOUN
fsr-3858	260	16	with	with	ADP
fsr-3858	260	17	significant	significant	ADJ
fsr-3858	260	18	differences	difference	NOUN
fsr-3858	260	19	in	in	ADP
fsr-3858	260	20	mean	mean	ADJ
fsr-3858	260	21	wealth	wealth	NOUN
fsr-3858	260	22	-	-	PUNCT
fsr-3858	260	23	needs	need	NOUN
fsr-3858	260	24	ratios	ratio	NOUN
fsr-3858	260	25	,	,	PUNCT
fsr-3858	260	26	not	not	PART
fsr-3858	260	27	controlling	control	VERB
fsr-3858	260	28	for	for	ADP
fsr-3858	260	29	other	other	ADJ
fsr-3858	260	30	factors	factor	NOUN
fsr-3858	260	31	.	.	PUNCT
fsr-3858	261	1	for	for	ADP
fsr-3858	261	2	the	the	DET
fsr-3858	261	3	mean	mean	ADJ
fsr-3858	261	4	case	case	NOUN
fsr-3858	261	5	projection	projection	NOUN
fsr-3858	261	6	,	,	PUNCT
fsr-3858	261	7	all	all	PRON
fsr-3858	261	8	of	of	ADP
fsr-3858	261	9	the	the	DET
fsr-3858	261	10	independent	independent	ADJ
fsr-3858	261	11	variables	variable	NOUN
fsr-3858	261	12	are	be	AUX
fsr-3858	261	13	significantly	significantly	ADV
fsr-3858	261	14	related	relate	VERB
fsr-3858	261	15	to	to	ADP
fsr-3858	261	16	the	the	DET
fsr-3858	261	17	wealth	wealth	NOUN
fsr-3858	261	18	-	-	PUNCT
fsr-3858	261	19	needs	need	NOUN
fsr-3858	261	20	ratio	ratio	NOUN
fsr-3858	261	21	at	at	ADP
fsr-3858	261	22	the	the	DET
fsr-3858	261	23	0.1	0.1	NUM
fsr-3858	261	24	%	%	NOUN
fsr-3858	261	25	level	level	NOUN
fsr-3858	261	26	or	or	CCONJ
fsr-3858	261	27	better	well	ADJ
fsr-3858	261	28	.	.	PUNCT
fsr-3858	262	1	for	for	ADP
fsr-3858	262	2	the	the	DET
fsr-3858	262	3	pessimistic	pessimistic	ADJ
fsr-3858	262	4	case	case	NOUN
fsr-3858	262	5	projection	projection	NOUN
fsr-3858	262	6	,	,	PUNCT
fsr-3858	262	7	all	all	DET
fsr-3858	262	8	independent	independent	ADJ
fsr-3858	262	9	variables	variable	NOUN
fsr-3858	262	10	,	,	PUNCT
fsr-3858	262	11	with	with	ADP
fsr-3858	262	12	the	the	DET
fsr-3858	262	13	exception	exception	NOUN
fsr-3858	262	14	of	of	ADP
fsr-3858	262	15	the	the	DET
fsr-3858	262	16	expectation	expectation	NOUN
fsr-3858	262	17	of	of	ADP
fsr-3858	262	18	real	real	ADJ
fsr-3858	262	19	income	income	NOUN
fsr-3858	262	20	growth	growth	NOUN
fsr-3858	262	21	,	,	PUNCT
fsr-3858	262	22	are	be	AUX
fsr-3858	262	23	significantly	significantly	ADV
fsr-3858	262	24	related	relate	VERB
fsr-3858	262	25	to	to	ADP
fsr-3858	262	26	the	the	DET
fsr-3858	262	27	mean	mean	ADJ
fsr-3858	262	28	wealth	wealth	NOUN
fsr-3858	262	29	-	-	PUNCT
fsr-3858	262	30	needs	need	NOUN
fsr-3858	262	31	ratio	ratio	NOUN
fsr-3858	262	32	at	at	ADP
fsr-3858	262	33	the	the	DET
fsr-3858	262	34	5	5	NUM
fsr-3858	262	35	%	%	NOUN
fsr-3858	262	36	level	level	NOUN
fsr-3858	262	37	or	or	CCONJ
fsr-3858	262	38	better	well	ADJ
fsr-3858	262	39	.	.	PUNCT
fsr-3858	263	1	the	the	DET
fsr-3858	263	2	wealth	wealth	NOUN
fsr-3858	263	3	-	-	PUNCT
fsr-3858	263	4	needs	need	NOUN
fsr-3858	263	5	ratio	ratio	NOUN
fsr-3858	263	6	is	be	AUX
fsr-3858	263	7	positively	positively	ADV
fsr-3858	263	8	related	relate	VERB
fsr-3858	263	9	to	to	ADP
fsr-3858	263	10	education	education	NOUN
fsr-3858	263	11	,	,	PUNCT
fsr-3858	263	12	household	household	NOUN
fsr-3858	263	13	income	income	NOUN
fsr-3858	263	14	,	,	PUNCT
fsr-3858	263	15	planned	plan	VERB
fsr-3858	263	16	retirement	retirement	NOUN
fsr-3858	263	17	age	age	NOUN
fsr-3858	263	18	,	,	PUNCT
fsr-3858	263	19	and	and	CCONJ
fsr-3858	263	20	the	the	DET
fsr-3858	263	21	share	share	NOUN
fsr-3858	263	22	of	of	ADP
fsr-3858	263	23	non	non	ADJ
fsr-3858	263	24	-	-	ADJ
fsr-3858	263	25	housing	housing	ADJ
fsr-3858	263	26	assets	asset	NOUN
fsr-3858	263	27	held	hold	VERB
fsr-3858	263	28	in	in	ADP
fsr-3858	263	29	stocks	stock	NOUN
fsr-3858	263	30	,	,	PUNCT
fsr-3858	263	31	and	and	CCONJ
fsr-3858	263	32	varies	vary	VERB
fsr-3858	263	33	with	with	ADP
fsr-3858	263	34	household	household	NOUN
fsr-3858	263	35	spending	spending	NOUN
fsr-3858	263	36	behavior	behavior	NOUN
fsr-3858	263	37	.	.	PUNCT
fsr-3858	264	1	the	the	DET
fsr-3858	264	2	wealth	wealth	NOUN
fsr-3858	264	3	-	-	PUNCT
fsr-3858	264	4	needs	need	NOUN
fsr-3858	264	5	ratio	ratio	NOUN
fsr-3858	264	6	(	(	PUNCT
fsr-3858	264	7	mean	mean	VERB
fsr-3858	264	8	case	case	NOUN
fsr-3858	264	9	projection	projection	NOUN
fsr-3858	264	10	)	)	PUNCT
fsr-3858	264	11	ranges	range	VERB
fsr-3858	264	12	from	from	ADP
fsr-3858	264	13	94	94	NUM
fsr-3858	264	14	%	%	NOUN
fsr-3858	264	15	for	for	ADP
fsr-3858	264	16	households	household	NOUN
fsr-3858	264	17	with	with	ADP
fsr-3858	264	18	a	a	DET
fsr-3858	264	19	householder	householder	NOUN
fsr-3858	264	20	who	who	PRON
fsr-3858	264	21	has	have	AUX
fsr-3858	264	22	not	not	PART
fsr-3858	264	23	graduated	graduate	VERB
fsr-3858	264	24	from	from	ADP
fsr-3858	264	25	high	high	ADJ
fsr-3858	264	26	school	school	NOUN
fsr-3858	264	27	to	to	ADP
fsr-3858	264	28	157	157	NUM
fsr-3858	264	29	%	%	NOUN
fsr-3858	264	30	for	for	ADP
fsr-3858	264	31	households	household	NOUN
fsr-3858	264	32	with	with	ADP
fsr-3858	264	33	a	a	DET
fsr-3858	264	34	householder	householder	NOUN
fsr-3858	264	35	who	who	PRON
fsr-3858	264	36	is	be	AUX
fsr-3858	264	37	a	a	DET
fsr-3858	264	38	college	college	NOUN
fsr-3858	264	39	graduate	graduate	NOUN
fsr-3858	264	40	.	.	PUNCT
fsr-3858	265	1	the	the	DET
fsr-3858	265	2	ratio	ratio	NOUN
fsr-3858	265	3	ranges	range	VERB
fsr-3858	265	4	from	from	ADP
fsr-3858	265	5	109	109	NUM
fsr-3858	265	6	%	%	NOUN
fsr-3858	265	7	for	for	ADP
fsr-3858	265	8	households	household	NOUN
fsr-3858	265	9	with	with	ADP
fsr-3858	265	10	annual	annual	ADJ
fsr-3858	265	11	income	income	NOUN
fsr-3858	265	12	of	of	ADP
fsr-3858	265	13	$	$	SYM
fsr-3858	265	14	32,000	32,000	NUM
fsr-3858	265	15	or	or	CCONJ
fsr-3858	265	16	less	less	ADJ
fsr-3858	265	17	,	,	PUNCT
fsr-3858	265	18	to	to	ADP
fsr-3858	265	19	173	173	NUM
fsr-3858	265	20	%	%	NOUN
fsr-3858	265	21	for	for	ADP
fsr-3858	265	22	households	household	NOUN
fsr-3858	265	23	with	with	ADP
fsr-3858	265	24	annual	annual	ADJ
fsr-3858	265	25	income	income	NOUN
fsr-3858	265	26	over	over	ADP
fsr-3858	265	27	$	$	SYM
fsr-3858	265	28	71,000	71,000	NUM
fsr-3858	265	29	.	.	PUNCT
fsr-3858	266	1	households	household	NOUN
fsr-3858	266	2	with	with	ADP
fsr-3858	266	3	a	a	DET
fsr-3858	266	4	householder	householder	NOUN
fsr-3858	266	5	who	who	PRON
fsr-3858	266	6	plans	plan	VERB
fsr-3858	266	7	to	to	PART
fsr-3858	266	8	retire	retire	VERB
fsr-3858	266	9	at	at	ADP
fsr-3858	266	10	age	age	NOUN
fsr-3858	266	11	66	66	NUM
fsr-3858	266	12	or	or	CCONJ
fsr-3858	266	13	later	later	ADV
fsr-3858	266	14	have	have	VERB
fsr-3858	266	15	a	a	DET
fsr-3858	266	16	much	much	ADV
fsr-3858	266	17	higher	high	ADJ
fsr-3858	266	18	mean	mean	NOUN
fsr-3858	266	19	wealth	wealth	NOUN
fsr-3858	266	20	-	-	PUNCT
fsr-3858	266	21	needs	need	NOUN
fsr-3858	266	22	ratio	ratio	NOUN
fsr-3858	266	23	(	(	PUNCT
fsr-3858	266	24	190	190	NUM
fsr-3858	266	25	%	%	NOUN
fsr-3858	266	26	)	)	PUNCT
fsr-3858	266	27	than	than	ADP
fsr-3858	266	28	those	those	PRON
fsr-3858	266	29	with	with	ADP
fsr-3858	266	30	a	a	DET
fsr-3858	266	31	householder	householder	NOUN
fsr-3858	266	32	who	who	PRON
fsr-3858	266	33	plans	plan	VERB
fsr-3858	266	34	to	to	PART
fsr-3858	266	35	retire	retire	VERB
fsr-3858	266	36	before	before	ADP
fsr-3858	266	37	age	age	NOUN
fsr-3858	266	38	62	62	NUM
fsr-3858	266	39	(	(	PUNCT
fsr-3858	266	40	114	114	NUM
fsr-3858	266	41	%	%	NOUN
fsr-3858	266	42	)	)	PUNCT
fsr-3858	266	43	or	or	CCONJ
fsr-3858	266	44	between	between	ADP
fsr-3858	266	45	age	age	NOUN
fsr-3858	266	46	62	62	NUM
fsr-3858	266	47	and	and	CCONJ
fsr-3858	266	48	65	65	NUM
fsr-3858	266	49	(	(	PUNCT
fsr-3858	266	50	132	132	NUM
fsr-3858	266	51	%	%	NOUN
fsr-3858	266	52	)	)	PUNCT
fsr-3858	266	53	.	.	PUNCT
fsr-3858	267	1	households	household	NOUN
fsr-3858	267	2	with	with	ADP
fsr-3858	267	3	a	a	DET
fsr-3858	267	4	zero	zero	NUM
fsr-3858	267	5	stock	stock	NOUN
fsr-3858	267	6	share	share	NOUN
fsr-3858	267	7	have	have	VERB
fsr-3858	267	8	a	a	DET
fsr-3858	267	9	mean	mean	ADJ
fsr-3858	267	10	wealth	wealth	NOUN
fsr-3858	267	11	-	-	PUNCT
fsr-3858	267	12	needs	need	VERB
fsr-3858	267	13	ratio	ratio	NOUN
fsr-3858	267	14	of	of	ADP
fsr-3858	267	15	98	98	NUM
fsr-3858	267	16	%	%	NOUN
fsr-3858	267	17	,	,	PUNCT
fsr-3858	267	18	compared	compare	VERB
fsr-3858	267	19	to	to	ADP
fsr-3858	267	20	a	a	DET
fsr-3858	267	21	ratio	ratio	NOUN
fsr-3858	267	22	of	of	ADP
fsr-3858	267	23	167	167	NUM
fsr-3858	267	24	%	%	NOUN
fsr-3858	267	25	of	of	ADP
fsr-3858	267	26	households	household	NOUN
fsr-3858	267	27	with	with	ADP
fsr-3858	267	28	a	a	DET
fsr-3858	267	29	stock	stock	NOUN
fsr-3858	267	30	share	share	NOUN
fsr-3858	267	31	or	or	CCONJ
fsr-3858	267	32	36.5	36.5	NUM
fsr-3858	267	33	%	%	NOUN
fsr-3858	267	34	or	or	CCONJ
fsr-3858	267	35	more	more	ADJ
fsr-3858	267	36	.	.	PUNCT
fsr-3858	268	1	mean	mean	VERB
fsr-3858	268	2	wealth	wealth	NOUN
fsr-3858	268	3	-	-	PUNCT
fsr-3858	268	4	needs	need	NOUN
fsr-3858	268	5	ratios	ratio	NOUN
fsr-3858	268	6	are	be	AUX
fsr-3858	268	7	higher	high	ADJ
fsr-3858	268	8	for	for	ADP
fsr-3858	268	9	households	household	NOUN
fsr-3858	268	10	that	that	PRON
fsr-3858	268	11	spend	spend	VERB
fsr-3858	268	12	less	less	ADJ
fsr-3858	268	13	than	than	ADP
fsr-3858	268	14	income	income	NOUN
fsr-3858	268	15	(	(	PUNCT
fsr-3858	268	16	173	173	NUM
fsr-3858	268	17	%	%	NOUN
fsr-3858	268	18	)	)	PUNCT
fsr-3858	268	19	compared	compare	VERB
fsr-3858	268	20	to	to	ADP
fsr-3858	268	21	those	those	PRON
fsr-3858	268	22	that	that	PRON
fsr-3858	268	23	do	do	VERB
fsr-3858	268	24	not	not	PART
fsr-3858	268	25	(	(	PUNCT
fsr-3858	268	26	92	92	NUM
fsr-3858	268	27	%	%	NOUN
fsr-3858	268	28	)	)	PUNCT
fsr-3858	268	29	.	.	PUNCT
fsr-3858	269	1	4.3	4.3	NUM
fsr-3858	269	2	.	.	PUNCT
fsr-3858	269	3	determinants	determinant	NOUN
fsr-3858	269	4	of	of	ADP
fsr-3858	269	5	retirement	retirement	NOUN
fsr-3858	269	6	wealth	wealth	NOUN
fsr-3858	269	7	adequacy	adequacy	NOUN
fsr-3858	269	8	multivariate	multivariate	VERB
fsr-3858	269	9	ordinary	ordinary	ADJ
fsr-3858	269	10	least	least	ADJ
fsr-3858	269	11	squares	square	NOUN
fsr-3858	269	12	(	(	PUNCT
fsr-3858	269	13	ols	ol	NOUN
fsr-3858	269	14	)	)	PUNCT
fsr-3858	269	15	regression	regression	NOUN
fsr-3858	269	16	analyses	analysis	NOUN
fsr-3858	269	17	are	be	AUX
fsr-3858	269	18	performed	perform	VERB
fsr-3858	269	19	to	to	PART
fsr-3858	269	20	estimate	estimate	VERB
fsr-3858	269	21	the	the	DET
fsr-3858	269	22	effect	effect	NOUN
fsr-3858	269	23	of	of	ADP
fsr-3858	269	24	each	each	DET
fsr-3858	269	25	independent	independent	ADJ
fsr-3858	269	26	variable	variable	NOUN
fsr-3858	269	27	while	while	SCONJ
fsr-3858	269	28	simultaneously	simultaneously	ADV
fsr-3858	269	29	controlling	control	VERB
fsr-3858	269	30	for	for	ADP
fsr-3858	269	31	the	the	DET
fsr-3858	269	32	effects	effect	NOUN
fsr-3858	269	33	of	of	ADP
fsr-3858	269	34	all	all	DET
fsr-3858	269	35	other	other	ADJ
fsr-3858	269	36	independent	independent	ADJ
fsr-3858	269	37	variables	variable	NOUN
fsr-3858	269	38	.	.	PUNCT
fsr-3858	270	1	the	the	DET
fsr-3858	270	2	measure	measure	NOUN
fsr-3858	270	3	of	of	ADP
fsr-3858	270	4	retirement	retirement	NOUN
fsr-3858	270	5	wealth	wealth	NOUN
fsr-3858	270	6	adequacy	adequacy	NOUN
fsr-3858	270	7	used	use	VERB
fsr-3858	270	8	in	in	ADP
fsr-3858	270	9	the	the	DET
fsr-3858	270	10	analyses	analysis	NOUN
fsr-3858	270	11	is	be	AUX
fsr-3858	270	12	the	the	DET
fsr-3858	270	13	wealth	wealth	NOUN
fsr-3858	270	14	-	-	PUNCT
fsr-3858	270	15	needs	need	NOUN
fsr-3858	270	16	ratio	ratio	NOUN
fsr-3858	270	17	expressed	express	VERB
fsr-3858	270	18	as	as	ADP
fsr-3858	270	19	a	a	DET
fsr-3858	270	20	percentage	percentage	NOUN
fsr-3858	270	21	.	.	PUNCT
fsr-3858	271	1	separate	separate	ADJ
fsr-3858	271	2	regressions	regression	NOUN
fsr-3858	271	3	are	be	AUX
fsr-3858	271	4	performed	perform	VERB
fsr-3858	271	5	for	for	ADP
fsr-3858	271	6	adequacy	adequacy	NOUN
fsr-3858	271	7	ratios	ratio	NOUN
fsr-3858	271	8	based	base	VERB
fsr-3858	271	9	onmean	onmean	PROPN
fsr-3858	271	10	portfolio	portfolio	NOUN
fsr-3858	271	11	performanceprojections	performanceprojection	NOUN
fsr-3858	271	12	of	of	ADP
fsr-3858	271	13	total	total	ADJ
fsr-3858	271	14	retirement	retirement	NOUN
fsr-3858	271	15	wealth	wealth	NOUN
fsr-3858	271	16	(	(	PUNCT
fsr-3858	271	17	table	table	NOUN
fsr-3858	271	18	2	2	NUM
fsr-3858	271	19	)	)	PUNCT
fsr-3858	271	20	andpessimistic	andpessimistic	ADJ
fsr-3858	271	21	portfolio	portfolio	NOUN
fsr-3858	271	22	performanceprojections	performanceprojection	NOUN
fsr-3858	271	23	of	of	ADP
fsr-3858	271	24	total	total	ADJ
fsr-3858	271	25	retirement	retirement	NOUN
fsr-3858	271	26	wealth	wealth	NOUN
fsr-3858	271	27	(	(	PUNCT
fsr-3858	271	28	table	table	NOUN
fsr-3858	271	29	188	188	NUM
fsr-3858	271	30	y.	y.	PROPN
fsr-3858	271	31	yuh	yuh	PROPN
fsr-3858	271	32	et	et	PROPN
fsr-3858	271	33	al	al	PROPN
fsr-3858	271	34	.	.	PUNCT
fsr-3858	271	35	/	/	SYM
fsr-3858	271	36	financial	financial	ADJ
fsr-3858	271	37	services	service	NOUN
fsr-3858	271	38	review	review	VERB
fsr-3858	271	39	7	7	NUM
fsr-3858	271	40	(	(	PUNCT
fsr-3858	271	41	1998	1998	NUM
fsr-3858	271	42	)	)	PUNCT
fsr-3858	272	1	175–193	175–193	NUM
fsr-3858	272	2	3	3	NUM
fsr-3858	272	3	)	)	PUNCT
fsr-3858	272	4	.	.	PUNCT
fsr-3858	273	1	total	total	ADJ
fsr-3858	273	2	retirement	retirement	NOUN
fsr-3858	273	3	needs	need	NOUN
fsr-3858	273	4	are	be	AUX
fsr-3858	273	5	estimated	estimate	VERB
fsr-3858	273	6	from	from	ADP
fsr-3858	273	7	a	a	DET
fsr-3858	273	8	household	household	NOUN
fsr-3858	273	9	expenditure	expenditure	NOUN
fsr-3858	273	10	function	function	NOUN
fsr-3858	273	11	for	for	ADP
fsr-3858	273	12	both	both	DET
fsr-3858	273	13	cases	case	NOUN
fsr-3858	273	14	.	.	PUNCT
fsr-3858	274	1	since	since	SCONJ
fsr-3858	274	2	this	this	DET
fsr-3858	274	3	dependent	dependent	ADJ
fsr-3858	274	4	variable	variable	NOUN
fsr-3858	274	5	captures	capture	VERB
fsr-3858	274	6	the	the	DET
fsr-3858	274	7	amount	amount	NOUN
fsr-3858	274	8	of	of	ADP
fsr-3858	274	9	total	total	ADJ
fsr-3858	274	10	retirement	retirement	NOUN
fsr-3858	274	11	wealth	wealth	NOUN
fsr-3858	274	12	in	in	ADP
fsr-3858	274	13	the	the	DET
fsr-3858	274	14	households	household	NOUN
fsr-3858	274	15	relative	relative	ADJ
fsr-3858	274	16	to	to	ADP
fsr-3858	274	17	their	their	PRON
fsr-3858	274	18	needs	need	NOUN
fsr-3858	274	19	,	,	PUNCT
fsr-3858	274	20	it	it	PRON
fsr-3858	274	21	measures	measure	VERB
fsr-3858	274	22	the	the	DET
fsr-3858	274	23	extent	extent	NOUN
fsr-3858	274	24	of	of	ADP
fsr-3858	274	25	adequacy	adequacy	NOUN
fsr-3858	274	26	of	of	ADP
fsr-3858	274	27	retirement	retirement	NOUN
fsr-3858	274	28	wealth	wealth	NOUN
fsr-3858	274	29	in	in	ADP
fsr-3858	274	30	each	each	DET
fsr-3858	274	31	household	household	NOUN
fsr-3858	274	32	.	.	PUNCT
fsr-3858	275	1	table	table	NOUN
fsr-3858	275	2	3	3	NUM
fsr-3858	275	3	regression	regression	NOUN
fsr-3858	275	4	of	of	ADP
fsr-3858	275	5	wealth	wealth	NOUN
fsr-3858	275	6	-	-	PUNCT
fsr-3858	275	7	needs	need	NOUN
fsr-3858	275	8	ratio	ratio	NOUN
fsr-3858	275	9	(	(	PUNCT
fsr-3858	275	10	%	%	INTJ
fsr-3858	275	11	)	)	PUNCT
fsr-3858	275	12	on	on	ADP
fsr-3858	275	13	household	household	NOUN
fsr-3858	275	14	characteristics	characteristic	NOUN
fsr-3858	275	15	,	,	PUNCT
fsr-3858	275	16	pessimistic	pessimistic	ADJ
fsr-3858	275	17	portfolio	portfolio	NOUN
fsr-3858	275	18	projections	projection	NOUN
fsr-3858	275	19	variable	variable	ADJ
fsr-3858	275	20	estimate	estimate	VERB
fsr-3858	275	21	std	std	NOUN
fsr-3858	275	22	error	error	NOUN
fsr-3858	275	23	p	p	NOUN
fsr-3858	275	24	-	-	PUNCT
fsr-3858	275	25	value	value	NOUN
fsr-3858	275	26	intercept	intercept	NOUN
fsr-3858	275	27	67.7287	67.7287	NUM
fsr-3858	275	28	44.0674	44.0674	NUM
fsr-3858	275	29	0.1304	0.1304	NUM
fsr-3858	275	30	less	less	ADJ
fsr-3858	275	31	than	than	ADP
fsr-3858	275	32	high	high	ADJ
fsr-3858	275	33	school	school	NOUN
fsr-3858	275	34	:	:	PUNCT
fsr-3858	275	35	reference	reference	NOUN
fsr-3858	275	36	high	high	ADJ
fsr-3858	275	37	school	school	NOUN
fsr-3858	275	38	graduate	graduate	NOUN
fsr-3858	275	39	6.8667	6.8667	NUM
fsr-3858	275	40	9.3918	9.3918	NUM
fsr-3858	275	41	0.4648	0.4648	NUM
fsr-3858	275	42	some	some	DET
fsr-3858	275	43	college	college	NOUN
fsr-3858	275	44	23.4516	23.4516	NUM
fsr-3858	275	45	9.7785	9.7785	NUM
fsr-3858	275	46	0.7241	0.7241	NUM
fsr-3858	275	47	college	college	NOUN
fsr-3858	275	48	or	or	CCONJ
fsr-3858	275	49	more	more	ADJ
fsr-3858	275	50	25.2969	25.2969	NUM
fsr-3858	275	51	10.4124	10.4124	NUM
fsr-3858	275	52	0.6110	0.6110	NUM
fsr-3858	275	53	white	white	ADJ
fsr-3858	275	54	,	,	PUNCT
fsr-3858	275	55	non	non	ADJ
fsr-3858	275	56	-	-	ADJ
fsr-3858	275	57	hispanic	hispanic	ADJ
fsr-3858	275	58	:	:	PUNCT
fsr-3858	275	59	reference	reference	NOUN
fsr-3858	275	60	black	black	ADJ
fsr-3858	275	61	,	,	PUNCT
fsr-3858	275	62	non	non	ADJ
fsr-3858	275	63	-	-	ADJ
fsr-3858	275	64	hispanic	hispanic	ADJ
fsr-3858	275	65	26.1461	26.1461	NUM
fsr-3858	275	66	8.3860	8.3860	NUM
fsr-3858	275	67	0.4637	0.4637	NUM
fsr-3858	275	68	hispanic	hispanic	ADJ
fsr-3858	275	69	0.3468	0.3468	NUM
fsr-3858	275	70	13.3589	13.3589	NUM
fsr-3858	275	71	0.9793	0.9793	NUM
fsr-3858	275	72	other	other	ADJ
fsr-3858	275	73	,	,	PUNCT
fsr-3858	275	74	non	non	ADJ
fsr-3858	275	75	-	-	ADJ
fsr-3858	275	76	hispanic	hispanic	ADJ
fsr-3858	275	77	34.6908	34.6908	NUM
fsr-3858	275	78	10.7793	10.7793	NUM
fsr-3858	275	79	0.0021	0.0021	NUM
fsr-3858	275	80	*	*	PUNCT
fsr-3858	275	81	*	*	PUNCT
fsr-3858	275	82	excellent	excellent	ADJ
fsr-3858	275	83	health	health	NOUN
fsr-3858	275	84	1.7044	1.7044	NUM
fsr-3858	275	85	4.6951	4.6951	NUM
fsr-3858	275	86	0.7168	0.7168	NUM
fsr-3858	275	87	married	married	ADJ
fsr-3858	275	88	couple	couple	NOUN
fsr-3858	275	89	:	:	PUNCT
fsr-3858	275	90	reference	reference	NOUN
fsr-3858	275	91	unmarried	unmarried	ADJ
fsr-3858	275	92	male	male	NOUN
fsr-3858	275	93	19.3435	19.3435	NUM
fsr-3858	275	94	7.3878	7.3878	NUM
fsr-3858	275	95	0.0089	0.0089	NUM
fsr-3858	275	96	*	*	SYM
fsr-3858	275	97	*	*	ADJ
fsr-3858	275	98	unmarried	unmarried	ADJ
fsr-3858	275	99	female	female	ADJ
fsr-3858	275	100	3.4093	3.4093	NUM
fsr-3858	275	101	7.4554	7.4554	NUM
fsr-3858	275	102	0.6475	0.6475	NUM
fsr-3858	275	103	household	household	NOUN
fsr-3858	275	104	size	size	NOUN
fsr-3858	275	105	21.0024	21.0024	NUM
fsr-3858	275	106	2.6199	2.6199	NUM
fsr-3858	275	107	0.7021	0.7021	NUM
fsr-3858	275	108	proportion	proportion	NOUN
fsr-3858	275	109	of	of	ADP
fsr-3858	275	110	members	member	NOUN
fsr-3858	275	111	,	,	PUNCT
fsr-3858	275	112	18	18	NUM
fsr-3858	275	113	16.1367	16.1367	NUM
fsr-3858	275	114	14.5988	14.5988	NUM
fsr-3858	275	115	0.2701	0.2701	NUM
fsr-3858	275	116	professional	professional	ADJ
fsr-3858	275	117	,	,	PUNCT
fsr-3858	275	118	managerial	managerial	ADJ
fsr-3858	275	119	,	,	PUNCT
fsr-3858	275	120	specialty	specialty	NOUN
fsr-3858	275	121	:	:	PUNCT
fsr-3858	275	122	reference	reference	NOUN
fsr-3858	275	123	technical	technical	ADJ
fsr-3858	275	124	,	,	PUNCT
fsr-3858	275	125	sales	sale	NOUN
fsr-3858	275	126	,	,	PUNCT
fsr-3858	275	127	admin	admin	ADJ
fsr-3858	275	128	.	.	PUNCT
fsr-3858	275	129	support	support	VERB
fsr-3858	275	130	0.6829	0.6829	NUM
fsr-3858	275	131	6.3033	6.3033	NUM
fsr-3858	275	132	0.9139	0.9139	NUM
fsr-3858	275	133	service	service	NOUN
fsr-3858	275	134	28.7984	28.7984	NUM
fsr-3858	275	135	10.1076	10.1076	NUM
fsr-3858	275	136	0.3843	0.3843	NUM
fsr-3858	275	137	precision	precision	NOUN
fsr-3858	275	138	production	production	NOUN
fsr-3858	275	139	,	,	PUNCT
fsr-3858	275	140	craft	craft	NOUN
fsr-3858	275	141	,	,	PUNCT
fsr-3858	275	142	repair	repair	VERB
fsr-3858	275	143	213.6439	213.6439	NUM
fsr-3858	275	144	8.9079	8.9079	NUM
fsr-3858	275	145	0.1275	0.1275	NUM
fsr-3858	275	146	operators	operator	NOUN
fsr-3858	275	147	,	,	PUNCT
fsr-3858	275	148	fabricators	fabricator	NOUN
fsr-3858	275	149	,	,	PUNCT
fsr-3858	275	150	laborers	laborer	NOUN
fsr-3858	275	151	215.4189	215.4189	NUM
fsr-3858	275	152	7.8768	7.8768	NUM
fsr-3858	275	153	0.0504	0.0504	NUM
fsr-3858	275	154	farming	farming	NOUN
fsr-3858	275	155	,	,	PUNCT
fsr-3858	275	156	forestry	forestry	NOUN
fsr-3858	275	157	,	,	PUNCT
fsr-3858	275	158	fishing	fish	VERB
fsr-3858	275	159	236.0423	236.0423	NUM
fsr-3858	275	160	20.2499	20.2499	NUM
fsr-3858	275	161	0.0754	0.0754	NUM
fsr-3858	275	162	self	self	NOUN
fsr-3858	275	163	employed	employ	VERB
fsr-3858	275	164	20.3252	20.3252	NUM
fsr-3858	275	165	6.3783	6.3783	NUM
fsr-3858	275	166	0.0017	0.0017	NUM
fsr-3858	275	167	*	*	PUNCT
fsr-3858	275	168	*	*	PUNCT
fsr-3858	275	169	log	log	NOUN
fsr-3858	275	170	of	of	ADP
fsr-3858	275	171	household	household	NOUN
fsr-3858	275	172	income	income	NOUN
fsr-3858	276	1	6.6942	6.6942	NUM
fsr-3858	276	2	3.7562	3.7562	NUM
fsr-3858	276	3	0.0818	0.0818	NUM
fsr-3858	276	4	db	db	PROPN
fsr-3858	276	5	pension	pension	NOUN
fsr-3858	276	6	ownership	ownership	NOUN
fsr-3858	276	7	27.2414	27.2414	NUM
fsr-3858	276	8	4.6763	4.6763	NUM
fsr-3858	276	9	0.0000	0.0000	NUM
fsr-3858	276	10	*	*	PUNCT
fsr-3858	276	11	*	*	PUNCT
fsr-3858	276	12	*	*	PUNCT
fsr-3858	276	13	rent	rent	VERB
fsr-3858	276	14	240.6923	240.6923	NUM
fsr-3858	276	15	7.9816	7.9816	NUM
fsr-3858	276	16	0.0000	0.0000	NUM
fsr-3858	276	17	*	*	PUNCT
fsr-3858	276	18	*	*	PUNCT
fsr-3858	276	19	*	*	PUNCT
fsr-3858	276	20	own	own	ADJ
fsr-3858	276	21	with	with	ADP
fsr-3858	276	22	mortgage	mortgage	NOUN
fsr-3858	276	23	228.1107	228.1107	NUM
fsr-3858	276	24	5.8227	5.8227	NUM
fsr-3858	276	25	0.0000	0.0000	NUM
fsr-3858	276	26	*	*	PUNCT
fsr-3858	276	27	*	*	PUNCT
fsr-3858	276	28	*	*	PUNCT
fsr-3858	276	29	own	own	ADJ
fsr-3858	276	30	without	without	ADP
fsr-3858	276	31	mortgage	mortgage	NOUN
fsr-3858	276	32	:	:	PUNCT
fsr-3858	276	33	reference	reference	NOUN
fsr-3858	276	34	category	category	NOUN
fsr-3858	276	35	retire	retire	VERB
fsr-3858	276	36	at	at	ADP
fsr-3858	276	37	61	61	NUM
fsr-3858	276	38	or	or	CCONJ
fsr-3858	276	39	earlier	early	ADV
fsr-3858	276	40	:	:	PUNCT
fsr-3858	276	41	reference	reference	NOUN
fsr-3858	276	42	retire	retire	NOUN
fsr-3858	276	43	at	at	ADP
fsr-3858	276	44	62–65	62–65	NUM
fsr-3858	276	45	25.0765	25.0765	NUM
fsr-3858	276	46	5.1477	5.1477	NUM
fsr-3858	276	47	0.0000	0.0000	NUM
fsr-3858	276	48	*	*	PUNCT
fsr-3858	276	49	*	*	PUNCT
fsr-3858	276	50	*	*	PUNCT
fsr-3858	276	51	retire	retire	VERB
fsr-3858	276	52	at	at	ADP
fsr-3858	276	53	66	66	NUM
fsr-3858	276	54	or	or	CCONJ
fsr-3858	276	55	up	up	ADV
fsr-3858	276	56	77.3792	77.3792	NUM
fsr-3858	276	57	8.5035	8.5035	NUM
fsr-3858	276	58	0.0000	0.0000	NUM
fsr-3858	276	59	*	*	PUNCT
fsr-3858	276	60	*	*	PUNCT
fsr-3858	276	61	*	*	PUNCT
fsr-3858	276	62	retirement	retirement	NOUN
fsr-3858	276	63	saving	save	VERB
fsr-3858	276	64	goal	goal	NOUN
fsr-3858	276	65	2.5834	2.5834	NUM
fsr-3858	276	66	4.6160	4.6160	NUM
fsr-3858	276	67	0.5758	0.5758	NUM
fsr-3858	276	68	use	use	NOUN
fsr-3858	276	69	of	of	ADP
fsr-3858	276	70	financial	financial	ADJ
fsr-3858	276	71	planner	planner	NOUN
fsr-3858	276	72	1.8390	1.8390	NUM
fsr-3858	276	73	4.9622	4.9622	NUM
fsr-3858	276	74	0.7112	0.7112	NUM
fsr-3858	276	75	stock	stock	NOUN
fsr-3858	276	76	share	share	NOUN
fsr-3858	276	77	59.8913	59.8913	NUM
fsr-3858	276	78	46.4871	46.4871	NUM
fsr-3858	277	1	0.2088	0.2088	NUM
fsr-3858	277	2	investment	investment	NOUN
fsr-3858	277	3	horizon	horizon	NOUN
fsr-3858	277	4	20.9314	20.9314	NUM
fsr-3858	277	5	0.4250	0.4250	NUM
fsr-3858	277	6	0.0290	0.0290	NUM
fsr-3858	277	7	*	*	PUNCT
fsr-3858	277	8	investment	investment	NOUN
fsr-3858	277	9	horizonp	horizonp	ADJ
fsr-3858	277	10	stock	stock	NOUN
fsr-3858	277	11	share	share	NOUN
fsr-3858	277	12	1.5370	1.5370	NUM
fsr-3858	277	13	2.6086	2.6086	NUM
fsr-3858	277	14	0.5605	0.5605	NUM
fsr-3858	277	15	spending$	spending$	NOUN
fsr-3858	277	16	income	income	VERB
fsr-3858	277	17	256.7591	256.7591	NUM
fsr-3858	277	18	5.1399	5.1399	NUM
fsr-3858	277	19	0.0000	0.0000	NUM
fsr-3858	277	20	*	*	PUNCT
fsr-3858	277	21	*	*	PUNCT
fsr-3858	277	22	*	*	PUNCT
fsr-3858	277	23	high	high	ADJ
fsr-3858	277	24	risk	risk	NOUN
fsr-3858	277	25	taking	take	VERB
fsr-3858	277	26	12.4335	12.4335	NUM
fsr-3858	277	27	4.9803	4.9803	NUM
fsr-3858	277	28	0.0126	0.0126	NUM
fsr-3858	277	29	*	*	PUNCT
fsr-3858	277	30	expect	expect	VERB
fsr-3858	277	31	income	income	NOUN
fsr-3858	277	32	growth	growth	NOUN
fsr-3858	277	33	2.8483	2.8483	NUM
fsr-3858	277	34	5.7522	5.7522	NUM
fsr-3858	277	35	0.6211	0.6211	NUM
fsr-3858	277	36	expected	expect	VERB
fsr-3858	277	37	life	life	NOUN
fsr-3858	277	38	expectancy	expectancy	NOUN
fsr-3858	277	39	20.0577	20.0577	NUM
fsr-3858	277	40	0.2134	0.2134	NUM
fsr-3858	277	41	0.7871	0.7871	NUM
fsr-3858	277	42	f	f	NOUN
fsr-3858	277	43	5	5	NUM
fsr-3858	277	44	17.6192	17.6192	NUM
fsr-3858	277	45	,	,	PUNCT
fsr-3858	277	46	p	p	NOUN
fsr-3858	277	47	-	-	PUNCT
fsr-3858	277	48	value5	value5	NOUN
fsr-3858	277	49	0.0000	0.0000	NUM
fsr-3858	277	50	r	r	X
fsr-3858	277	51	-	-	PUNCT
fsr-3858	277	52	square5	square5	NOUN
fsr-3858	277	53	0.3373	0.3373	NUM
fsr-3858	277	54	to	to	ADP
fsr-3858	277	55	0.3527	0.3527	NUM
fsr-3858	277	56	combined	combine	VERB
fsr-3858	277	57	data	datum	NOUN
fsr-3858	277	58	set	set	VERB
fsr-3858	277	59	,	,	PUNCT
fsr-3858	277	60	number	number	NOUN
fsr-3858	277	61	of	of	ADP
fsr-3858	277	62	observations	observation	NOUN
fsr-3858	277	63	in	in	ADP
fsr-3858	277	64	each	each	DET
fsr-3858	277	65	implicate5	implicate5	NOUN
fsr-3858	278	1	1,262	1,262	NUM
fsr-3858	278	2	*	*	PUNCT
fsr-3858	278	3	:	:	PUNCT
fsr-3858	278	4	p	p	ADJ
fsr-3858	278	5	-	-	PUNCT
fsr-3858	278	6	value	value	NOUN
fsr-3858	278	7	#	#	NOUN
fsr-3858	278	8	0.05	0.05	NUM
fsr-3858	278	9	,	,	PUNCT
fsr-3858	278	10	*	*	PUNCT
fsr-3858	278	11	*	*	PUNCT
fsr-3858	278	12	:	:	PUNCT
fsr-3858	278	13	p	p	ADJ
fsr-3858	278	14	-	-	PUNCT
fsr-3858	278	15	value	value	NOUN
fsr-3858	278	16	#	#	NOUN
fsr-3858	278	17	0.01	0.01	NUM
fsr-3858	278	18	,	,	PUNCT
fsr-3858	278	19	*	*	PUNCT
fsr-3858	278	20	*	*	PUNCT
fsr-3858	278	21	*	*	PUNCT
fsr-3858	278	22	:	:	PUNCT
fsr-3858	278	23	p	p	ADJ
fsr-3858	278	24	-	-	PUNCT
fsr-3858	278	25	value	value	NOUN
fsr-3858	278	26	#	#	NOUN
fsr-3858	278	27	0.001	0.001	NUM
fsr-3858	278	28	189y	189y	NOUN
fsr-3858	278	29	.	.	PUNCT
fsr-3858	279	1	yuh	yuh	PROPN
fsr-3858	279	2	et	et	PROPN
fsr-3858	279	3	al	al	PROPN
fsr-3858	279	4	.	.	PUNCT
fsr-3858	279	5	/	/	SYM
fsr-3858	279	6	financial	financial	ADJ
fsr-3858	279	7	services	service	NOUN
fsr-3858	279	8	review	review	VERB
fsr-3858	279	9	7	7	NUM
fsr-3858	279	10	(	(	PUNCT
fsr-3858	279	11	1998	1998	NUM
fsr-3858	279	12	)	)	PUNCT
fsr-3858	280	1	175–193	175–193	NUM
fsr-3858	280	2	4.4	4.4	NUM
fsr-3858	280	3	.	.	PUNCT
fsr-3858	281	1	discussion	discussion	NOUN
fsr-3858	281	2	of	of	ADP
fsr-3858	281	3	regression	regression	NOUN
fsr-3858	281	4	results	result	NOUN
fsr-3858	281	5	for	for	ADP
fsr-3858	281	6	the	the	DET
fsr-3858	281	7	mean	mean	ADJ
fsr-3858	281	8	portfolio	portfolio	NOUN
fsr-3858	281	9	performance	performance	NOUN
fsr-3858	281	10	regression	regression	NOUN
fsr-3858	281	11	,	,	PUNCT
fsr-3858	281	12	race	race	NOUN
fsr-3858	281	13	/	/	SYM
fsr-3858	281	14	ethnicity	ethnicity	NOUN
fsr-3858	281	15	,	,	PUNCT
fsr-3858	281	16	marital	marital	ADJ
fsr-3858	281	17	status	status	NOUN
fsr-3858	281	18	,	,	PUNCT
fsr-3858	281	19	occupation	occupation	NOUN
fsr-3858	281	20	,	,	PUNCT
fsr-3858	281	21	self	self	NOUN
fsr-3858	281	22	-	-	PUNCT
fsr-3858	281	23	employment	employment	NOUN
fsr-3858	281	24	,	,	PUNCT
fsr-3858	281	25	income	income	NOUN
fsr-3858	281	26	,	,	PUNCT
fsr-3858	281	27	ownership	ownership	NOUN
fsr-3858	281	28	of	of	ADP
fsr-3858	281	29	a	a	DET
fsr-3858	281	30	defined	define	VERB
fsr-3858	281	31	benefit	benefit	NOUN
fsr-3858	281	32	pension	pension	NOUN
fsr-3858	281	33	,	,	PUNCT
fsr-3858	281	34	housing	housing	NOUN
fsr-3858	281	35	tenure	tenure	NOUN
fsr-3858	281	36	,	,	PUNCT
fsr-3858	281	37	planned	plan	VERB
fsr-3858	281	38	retirement	retirement	NOUN
fsr-3858	281	39	age	age	NOUN
fsr-3858	281	40	,	,	PUNCT
fsr-3858	281	41	the	the	DET
fsr-3858	281	42	interaction	interaction	NOUN
fsr-3858	281	43	of	of	ADP
fsr-3858	281	44	stock	stock	NOUN
fsr-3858	281	45	share	share	NOUN
fsr-3858	281	46	and	and	CCONJ
fsr-3858	281	47	investment	investment	NOUN
fsr-3858	281	48	horizon	horizon	NOUN
fsr-3858	281	49	,	,	PUNCT
fsr-3858	281	50	and	and	CCONJ
fsr-3858	281	51	spending	spending	NOUN
fsr-3858	281	52	behavior	behavior	NOUN
fsr-3858	281	53	are	be	AUX
fsr-3858	281	54	significantly	significantly	ADV
fsr-3858	281	55	related	relate	VERB
fsr-3858	281	56	to	to	ADP
fsr-3858	281	57	the	the	DET
fsr-3858	281	58	mean	mean	ADJ
fsr-3858	281	59	wealth	wealth	NOUN
fsr-3858	281	60	-	-	PUNCT
fsr-3858	281	61	needs	need	NOUN
fsr-3858	281	62	ratio	ratio	NOUN
fsr-3858	281	63	at	at	ADP
fsr-3858	281	64	the	the	DET
fsr-3858	281	65	5	5	NUM
fsr-3858	281	66	%	%	NOUN
fsr-3858	281	67	level	level	NOUN
fsr-3858	281	68	or	or	CCONJ
fsr-3858	281	69	better	well	ADJ
fsr-3858	281	70	(	(	PUNCT
fsr-3858	281	71	table	table	NOUN
fsr-3858	281	72	2	2	NUM
fsr-3858	281	73	)	)	PUNCT
fsr-3858	281	74	.	.	PUNCT
fsr-3858	282	1	results	result	NOUN
fsr-3858	282	2	for	for	ADP
fsr-3858	282	3	the	the	DET
fsr-3858	282	4	pessimistic	pessimistic	ADJ
fsr-3858	282	5	portfolio	portfolio	NOUN
fsr-3858	282	6	performance	performance	NOUN
fsr-3858	282	7	regression	regression	NOUN
fsr-3858	282	8	are	be	AUX
fsr-3858	282	9	similar	similar	ADJ
fsr-3858	282	10	with	with	ADP
fsr-3858	282	11	the	the	DET
fsr-3858	282	12	exception	exception	NOUN
fsr-3858	282	13	that	that	PRON
fsr-3858	282	14	the	the	DET
fsr-3858	282	15	investment	investment	NOUN
fsr-3858	282	16	horizon	horizon	NOUN
fsr-3858	282	17	and	and	CCONJ
fsr-3858	282	18	high	high	ADJ
fsr-3858	282	19	risk	risk	NOUN
fsr-3858	282	20	tolerance	tolerance	NOUN
fsr-3858	282	21	are	be	AUX
fsr-3858	282	22	significant	significant	ADJ
fsr-3858	282	23	,	,	PUNCT
fsr-3858	282	24	while	while	SCONJ
fsr-3858	282	25	occupation	occupation	NOUN
fsr-3858	282	26	,	,	PUNCT
fsr-3858	282	27	income	income	NOUN
fsr-3858	282	28	,	,	PUNCT
fsr-3858	282	29	and	and	CCONJ
fsr-3858	282	30	the	the	DET
fsr-3858	282	31	interaction	interaction	NOUN
fsr-3858	282	32	of	of	ADP
fsr-3858	282	33	stock	stock	NOUN
fsr-3858	282	34	share	share	NOUN
fsr-3858	282	35	and	and	CCONJ
fsr-3858	282	36	investment	investment	NOUN
fsr-3858	282	37	horizon	horizon	NOUN
fsr-3858	282	38	are	be	AUX
fsr-3858	282	39	not	not	PART
fsr-3858	282	40	significant	significant	ADJ
fsr-3858	282	41	(	(	PUNCT
fsr-3858	282	42	table	table	NOUN
fsr-3858	282	43	3	3	NUM
fsr-3858	282	44	)	)	PUNCT
fsr-3858	282	45	.	.	PUNCT
fsr-3858	283	1	although	although	SCONJ
fsr-3858	283	2	significant	significant	ADJ
fsr-3858	283	3	in	in	ADP
fsr-3858	283	4	the	the	DET
fsr-3858	283	5	bivariate	bivariate	ADJ
fsr-3858	283	6	analysis	analysis	NOUN
fsr-3858	283	7	,	,	PUNCT
fsr-3858	283	8	education	education	NOUN
fsr-3858	283	9	,	,	PUNCT
fsr-3858	283	10	health	health	NOUN
fsr-3858	283	11	status	status	NOUN
fsr-3858	283	12	,	,	PUNCT
fsr-3858	283	13	having	have	VERB
fsr-3858	283	14	retirement	retirement	NOUN
fsr-3858	283	15	as	as	ADP
fsr-3858	283	16	a	a	DET
fsr-3858	283	17	saving	save	VERB
fsr-3858	283	18	goal	goal	NOUN
fsr-3858	283	19	,	,	PUNCT
fsr-3858	283	20	stock	stock	NOUN
fsr-3858	283	21	share	share	NOUN
fsr-3858	283	22	,	,	PUNCT
fsr-3858	283	23	expectation	expectation	NOUN
fsr-3858	283	24	of	of	ADP
fsr-3858	283	25	real	real	ADJ
fsr-3858	283	26	income	income	NOUN
fsr-3858	283	27	growth	growth	NOUN
fsr-3858	283	28	,	,	PUNCT
fsr-3858	283	29	and	and	CCONJ
fsr-3858	283	30	subjective	subjective	ADJ
fsr-3858	283	31	life	life	NOUN
fsr-3858	283	32	expectancy	expectancy	NOUN
fsr-3858	283	33	do	do	AUX
fsr-3858	283	34	not	not	PART
fsr-3858	283	35	have	have	VERB
fsr-3858	283	36	statistically	statistically	ADV
fsr-3858	283	37	significant	significant	ADJ
fsr-3858	283	38	effects	effect	NOUN
fsr-3858	283	39	on	on	ADP
fsr-3858	283	40	the	the	DET
fsr-3858	283	41	wealth	wealth	NOUN
fsr-3858	283	42	-	-	PUNCT
fsr-3858	283	43	needs	need	NOUN
fsr-3858	283	44	ratio	ratio	NOUN
fsr-3858	283	45	when	when	SCONJ
fsr-3858	283	46	the	the	DET
fsr-3858	283	47	other	other	ADJ
fsr-3858	283	48	independent	independent	ADJ
fsr-3858	283	49	variables	variable	NOUN
fsr-3858	283	50	are	be	AUX
fsr-3858	283	51	controlled	control	VERB
fsr-3858	283	52	.	.	PUNCT
fsr-3858	284	1	the	the	DET
fsr-3858	284	2	predicted	predict	VERB
fsr-3858	284	3	wealth	wealth	NOUN
fsr-3858	284	4	-	-	PUNCT
fsr-3858	284	5	needs	need	VERB
fsr-3858	284	6	ratio	ratio	NOUN
fsr-3858	284	7	increases	increase	NOUN
fsr-3858	284	8	with	with	ADP
fsr-3858	284	9	the	the	DET
fsr-3858	284	10	log	log	NOUN
fsr-3858	284	11	of	of	ADP
fsr-3858	284	12	household	household	NOUN
fsr-3858	284	13	income	income	NOUN
fsr-3858	284	14	for	for	ADP
fsr-3858	284	15	the	the	DET
fsr-3858	284	16	mean	mean	ADJ
fsr-3858	284	17	portfolio	portfolio	NOUN
fsr-3858	284	18	projection	projection	NOUN
fsr-3858	284	19	but	but	CCONJ
fsr-3858	284	20	not	not	PART
fsr-3858	284	21	for	for	ADP
fsr-3858	284	22	the	the	DET
fsr-3858	284	23	pessimistic	pessimistic	ADJ
fsr-3858	284	24	projection	projection	NOUN
fsr-3858	284	25	.	.	PUNCT
fsr-3858	285	1	the	the	DET
fsr-3858	285	2	increase	increase	NOUN
fsr-3858	285	3	in	in	ADP
fsr-3858	285	4	the	the	DET
fsr-3858	285	5	predicted	predict	VERB
fsr-3858	285	6	wealth	wealth	NOUN
fsr-3858	285	7	-	-	PUNCT
fsr-3858	285	8	needs	need	NOUN
fsr-3858	285	9	ratio	ratio	NOUN
fsr-3858	285	10	is	be	AUX
fsr-3858	285	11	large	large	ADJ
fsr-3858	285	12	for	for	ADP
fsr-3858	285	13	an	an	DET
fsr-3858	285	14	increase	increase	NOUN
fsr-3858	285	15	from	from	ADP
fsr-3858	285	16	very	very	ADV
fsr-3858	285	17	low	low	ADJ
fsr-3858	285	18	income	income	NOUN
fsr-3858	285	19	to	to	ADP
fsr-3858	285	20	middle	middle	ADJ
fsr-3858	285	21	income	income	NOUN
fsr-3858	285	22	(	(	PUNCT
fsr-3858	285	23	e.g.	e.g.	ADV
fsr-3858	285	24	,	,	PUNCT
fsr-3858	285	25	$	$	SYM
fsr-3858	285	26	10,000	10,000	NUM
fsr-3858	285	27	to	to	PART
fsr-3858	285	28	$	$	SYM
fsr-3858	285	29	40,000	40,000	NUM
fsr-3858	285	30	)	)	PUNCT
fsr-3858	285	31	but	but	CCONJ
fsr-3858	285	32	small	small	ADJ
fsr-3858	285	33	for	for	ADP
fsr-3858	285	34	increases	increase	NOUN
fsr-3858	285	35	above	above	ADP
fsr-3858	285	36	$	$	SYM
fsr-3858	285	37	40,000	40,000	NUM
fsr-3858	285	38	.	.	PUNCT
fsr-3858	286	1	for	for	ADP
fsr-3858	286	2	the	the	DET
fsr-3858	286	3	mean	mean	PROPN
fsr-3858	286	4	portfolio	portfolio	NOUN
fsr-3858	286	5	projection	projection	NOUN
fsr-3858	286	6	,	,	PUNCT
fsr-3858	286	7	the	the	DET
fsr-3858	286	8	wealth	wealth	NOUN
fsr-3858	286	9	-	-	PUNCT
fsr-3858	286	10	needs	need	NOUN
fsr-3858	286	11	ratio	ratio	NOUN
fsr-3858	286	12	is	be	AUX
fsr-3858	286	13	related	relate	VERB
fsr-3858	286	14	to	to	ADP
fsr-3858	286	15	an	an	DET
fsr-3858	286	16	interaction	interaction	NOUN
fsr-3858	286	17	term	term	NOUN
fsr-3858	286	18	for	for	ADP
fsr-3858	286	19	investment	investment	NOUN
fsr-3858	286	20	horizon	horizon	NOUN
fsr-3858	286	21	and	and	CCONJ
fsr-3858	286	22	stock	stock	NOUN
fsr-3858	286	23	share	share	NOUN
fsr-3858	286	24	,	,	PUNCT
fsr-3858	286	25	but	but	CCONJ
fsr-3858	286	26	not	not	PART
fsr-3858	286	27	to	to	PART
fsr-3858	286	28	stock	stock	NOUN
fsr-3858	286	29	share	share	NOUN
fsr-3858	286	30	or	or	CCONJ
fsr-3858	286	31	investment	investment	NOUN
fsr-3858	286	32	horizon	horizon	NOUN
fsr-3858	286	33	variables	variable	NOUN
fsr-3858	286	34	individually	individually	ADV
fsr-3858	286	35	.	.	PUNCT
fsr-3858	287	1	the	the	DET
fsr-3858	287	2	net	net	ADJ
fsr-3858	287	3	effect	effect	NOUN
fsr-3858	287	4	of	of	ADP
fsr-3858	287	5	all	all	DET
fsr-3858	287	6	three	three	NUM
fsr-3858	287	7	variables	variable	NOUN
fsr-3858	287	8	is	be	AUX
fsr-3858	287	9	that	that	SCONJ
fsr-3858	287	10	the	the	DET
fsr-3858	287	11	predicted	predict	VERB
fsr-3858	287	12	wealth	wealth	NOUN
fsr-3858	287	13	-	-	PUNCT
fsr-3858	287	14	needs	need	VERB
fsr-3858	287	15	ratio	ratio	NOUN
fsr-3858	287	16	increases	increase	NOUN
fsr-3858	287	17	with	with	ADP
fsr-3858	287	18	horizon	horizon	NOUN
fsr-3858	287	19	for	for	ADP
fsr-3858	287	20	values	value	NOUN
fsr-3858	287	21	of	of	ADP
fsr-3858	287	22	stock	stock	NOUN
fsr-3858	287	23	share	share	NOUN
fsr-3858	287	24	over	over	ADP
fsr-3858	287	25	5	5	NUM
fsr-3858	287	26	%	%	NOUN
fsr-3858	287	27	.	.	PUNCT
fsr-3858	288	1	the	the	DET
fsr-3858	288	2	predicted	predict	VERB
fsr-3858	288	3	wealth	wealth	NOUN
fsr-3858	288	4	-	-	PUNCT
fsr-3858	288	5	needs	need	VERB
fsr-3858	288	6	ratio	ratio	NOUN
fsr-3858	288	7	increases	increase	NOUN
fsr-3858	288	8	with	with	ADP
fsr-3858	288	9	stock	stock	NOUN
fsr-3858	288	10	share	share	NOUN
fsr-3858	288	11	for	for	ADP
fsr-3858	288	12	horizons	horizon	NOUN
fsr-3858	288	13	of	of	ADP
fsr-3858	288	14	at	at	ADV
fsr-3858	288	15	least	least	ADV
fsr-3858	288	16	1	1	NUM
fsr-3858	288	17	year	year	NOUN
fsr-3858	288	18	.	.	PUNCT
fsr-3858	289	1	for	for	ADP
fsr-3858	289	2	the	the	DET
fsr-3858	289	3	pessimistic	pessimistic	ADJ
fsr-3858	289	4	portfolio	portfolio	NOUN
fsr-3858	289	5	projection	projection	NOUN
fsr-3858	289	6	,	,	PUNCT
fsr-3858	289	7	the	the	DET
fsr-3858	289	8	wealth	wealth	NOUN
fsr-3858	289	9	-	-	PUNCT
fsr-3858	289	10	needs	need	NOUN
fsr-3858	289	11	ratio	ratio	NOUN
fsr-3858	289	12	is	be	AUX
fsr-3858	289	13	not	not	PART
fsr-3858	289	14	significantly	significantly	ADV
fsr-3858	289	15	related	relate	VERB
fsr-3858	289	16	to	to	ADP
fsr-3858	289	17	stock	stock	NOUN
fsr-3858	289	18	share	share	NOUN
fsr-3858	289	19	by	by	ADP
fsr-3858	289	20	itself	itself	PRON
fsr-3858	289	21	or	or	CCONJ
fsr-3858	289	22	to	to	ADP
fsr-3858	289	23	the	the	DET
fsr-3858	289	24	interaction	interaction	NOUN
fsr-3858	289	25	term	term	NOUN
fsr-3858	289	26	for	for	ADP
fsr-3858	289	27	investment	investment	NOUN
fsr-3858	289	28	horizon	horizon	NOUN
fsr-3858	289	29	and	and	CCONJ
fsr-3858	289	30	stock	stock	NOUN
fsr-3858	289	31	share	share	NOUN
fsr-3858	289	32	,	,	PUNCT
fsr-3858	289	33	but	but	CCONJ
fsr-3858	289	34	it	it	PRON
fsr-3858	289	35	is	be	AUX
fsr-3858	289	36	related	relate	VERB
fsr-3858	289	37	to	to	ADP
fsr-3858	289	38	the	the	DET
fsr-3858	289	39	investment	investment	NOUN
fsr-3858	289	40	horizon	horizon	NOUN
fsr-3858	289	41	variable	variable	NOUN
fsr-3858	289	42	.	.	PUNCT
fsr-3858	290	1	the	the	DET
fsr-3858	290	2	net	net	ADJ
fsr-3858	290	3	effect	effect	NOUN
fsr-3858	290	4	of	of	ADP
fsr-3858	290	5	all	all	DET
fsr-3858	290	6	three	three	NUM
fsr-3858	290	7	variables	variable	NOUN
fsr-3858	290	8	is	be	AUX
fsr-3858	290	9	that	that	SCONJ
fsr-3858	290	10	the	the	DET
fsr-3858	290	11	predicted	predict	VERB
fsr-3858	290	12	wealth	wealth	NOUN
fsr-3858	290	13	-	-	PUNCT
fsr-3858	290	14	needs	need	NOUN
fsr-3858	290	15	ratio	ratio	NOUN
fsr-3858	290	16	decreases	decrease	NOUN
fsr-3858	290	17	with	with	ADP
fsr-3858	290	18	horizon	horizon	NOUN
fsr-3858	290	19	for	for	ADP
fsr-3858	290	20	values	value	NOUN
fsr-3858	290	21	of	of	ADP
fsr-3858	290	22	stock	stock	NOUN
fsr-3858	290	23	share	share	NOUN
fsr-3858	290	24	under	under	ADP
fsr-3858	290	25	60	60	NUM
fsr-3858	290	26	%	%	NOUN
fsr-3858	290	27	.	.	PUNCT
fsr-3858	291	1	planned	plan	VERB
fsr-3858	291	2	retirement	retirement	NOUN
fsr-3858	291	3	age	age	NOUN
fsr-3858	291	4	also	also	ADV
fsr-3858	291	5	has	have	VERB
fsr-3858	291	6	a	a	DET
fsr-3858	291	7	large	large	ADJ
fsr-3858	291	8	effect	effect	NOUN
fsr-3858	291	9	on	on	ADP
fsr-3858	291	10	the	the	DET
fsr-3858	291	11	wealth	wealth	NOUN
fsr-3858	291	12	-	-	PUNCT
fsr-3858	291	13	needs	need	NOUN
fsr-3858	291	14	ratio	ratio	NOUN
fsr-3858	291	15	.	.	PUNCT
fsr-3858	292	1	for	for	ADP
fsr-3858	292	2	the	the	DET
fsr-3858	292	3	mean	mean	PROPN
fsr-3858	292	4	portfolio	portfolio	NOUN
fsr-3858	292	5	projection	projection	NOUN
fsr-3858	292	6	,	,	PUNCT
fsr-3858	292	7	those	those	PRON
fsr-3858	292	8	who	who	PRON
fsr-3858	292	9	plan	plan	VERB
fsr-3858	292	10	to	to	PART
fsr-3858	292	11	retire	retire	VERB
fsr-3858	292	12	at	at	ADP
fsr-3858	292	13	age	age	NOUN
fsr-3858	292	14	66	66	NUM
fsr-3858	292	15	or	or	CCONJ
fsr-3858	292	16	later	later	ADV
fsr-3858	292	17	have	have	VERB
fsr-3858	292	18	a	a	DET
fsr-3858	292	19	predicted	predict	VERB
fsr-3858	292	20	wealth	wealth	NOUN
fsr-3858	292	21	-	-	PUNCT
fsr-3858	292	22	needs	need	NOUN
fsr-3858	292	23	ratio	ratio	NOUN
fsr-3858	292	24	85	85	NUM
fsr-3858	292	25	percentage	percentage	NOUN
fsr-3858	292	26	points	point	NOUN
fsr-3858	292	27	higher	high	ADJ
fsr-3858	292	28	,	,	PUNCT
fsr-3858	292	29	and	and	CCONJ
fsr-3858	292	30	those	those	PRON
fsr-3858	292	31	who	who	PRON
fsr-3858	292	32	plan	plan	VERB
fsr-3858	292	33	to	to	PART
fsr-3858	292	34	retire	retire	VERB
fsr-3858	292	35	between	between	ADP
fsr-3858	292	36	age	age	NOUN
fsr-3858	292	37	62	62	NUM
fsr-3858	292	38	and	and	CCONJ
fsr-3858	292	39	65	65	NUM
fsr-3858	292	40	have	have	VERB
fsr-3858	292	41	a	a	DET
fsr-3858	292	42	predicted	predict	VERB
fsr-3858	292	43	wealth	wealth	NOUN
fsr-3858	292	44	-	-	PUNCT
fsr-3858	292	45	needs	need	NOUN
fsr-3858	292	46	ratio	ratio	NOUN
fsr-3858	292	47	28	28	NUM
fsr-3858	292	48	percentage	percentage	NOUN
fsr-3858	292	49	points	point	NOUN
fsr-3858	292	50	higher	high	ADJ
fsr-3858	292	51	than	than	ADP
fsr-3858	292	52	otherwise	otherwise	ADV
fsr-3858	292	53	similar	similar	ADJ
fsr-3858	292	54	households	household	NOUN
fsr-3858	292	55	who	who	PRON
fsr-3858	292	56	plan	plan	VERB
fsr-3858	292	57	to	to	PART
fsr-3858	292	58	retire	retire	VERB
fsr-3858	292	59	before	before	ADP
fsr-3858	292	60	age	age	NOUN
fsr-3858	292	61	62	62	NUM
fsr-3858	292	62	.	.	PUNCT
fsr-3858	293	1	for	for	ADP
fsr-3858	293	2	the	the	DET
fsr-3858	293	3	pessimistic	pessimistic	ADJ
fsr-3858	293	4	portfolio	portfolio	NOUN
fsr-3858	293	5	projection	projection	VERB
fsr-3858	293	6	those	those	PRON
fsr-3858	293	7	who	who	PRON
fsr-3858	293	8	plan	plan	VERB
fsr-3858	293	9	to	to	PART
fsr-3858	293	10	retire	retire	VERB
fsr-3858	293	11	at	at	ADP
fsr-3858	293	12	age	age	NOUN
fsr-3858	293	13	66	66	NUM
fsr-3858	293	14	or	or	CCONJ
fsr-3858	293	15	later	later	ADV
fsr-3858	293	16	have	have	VERB
fsr-3858	293	17	a	a	DET
fsr-3858	293	18	predicted	predict	VERB
fsr-3858	293	19	wealth	wealth	NOUN
fsr-3858	293	20	-	-	PUNCT
fsr-3858	293	21	needs	need	NOUN
fsr-3858	293	22	ratio	ratio	NOUN
fsr-3858	293	23	77	77	NUM
fsr-3858	293	24	percentage	percentage	NOUN
fsr-3858	293	25	points	point	NOUN
fsr-3858	293	26	higher	higher	ADV
fsr-3858	293	27	,	,	PUNCT
fsr-3858	293	28	and	and	CCONJ
fsr-3858	293	29	those	those	PRON
fsr-3858	293	30	who	who	PRON
fsr-3858	293	31	plan	plan	VERB
fsr-3858	293	32	to	to	PART
fsr-3858	293	33	retire	retire	VERB
fsr-3858	293	34	between	between	ADP
fsr-3858	293	35	age	age	NOUN
fsr-3858	293	36	62	62	NUM
fsr-3858	293	37	and	and	CCONJ
fsr-3858	293	38	65	65	NUM
fsr-3858	293	39	have	have	AUX
fsr-3858	293	40	predicted	predict	VERB
fsr-3858	293	41	wealth	wealth	NOUN
fsr-3858	293	42	-	-	PUNCT
fsr-3858	293	43	needs	need	NOUN
fsr-3858	293	44	ratio	ratio	NOUN
fsr-3858	293	45	25	25	NUM
fsr-3858	293	46	percentage	percentage	NOUN
fsr-3858	293	47	points	point	NOUN
fsr-3858	293	48	higher	high	ADJ
fsr-3858	293	49	than	than	ADP
fsr-3858	293	50	otherwise	otherwise	ADV
fsr-3858	293	51	similar	similar	ADJ
fsr-3858	293	52	households	household	NOUN
fsr-3858	293	53	who	who	PRON
fsr-3858	293	54	plan	plan	VERB
fsr-3858	293	55	to	to	PART
fsr-3858	293	56	retire	retire	VERB
fsr-3858	293	57	before	before	ADP
fsr-3858	293	58	age	age	NOUN
fsr-3858	293	59	62	62	NUM
fsr-3858	293	60	.	.	PUNCT
fsr-3858	294	1	spending	spend	VERB
fsr-3858	294	2	as	as	ADV
fsr-3858	294	3	much	much	ADV
fsr-3858	294	4	as	as	ADP
fsr-3858	294	5	or	or	CCONJ
fsr-3858	294	6	more	more	ADJ
fsr-3858	294	7	than	than	ADP
fsr-3858	294	8	income	income	NOUN
fsr-3858	294	9	has	have	VERB
fsr-3858	294	10	a	a	DET
fsr-3858	294	11	large	large	ADJ
fsr-3858	294	12	effect	effect	NOUN
fsr-3858	294	13	on	on	ADP
fsr-3858	294	14	the	the	DET
fsr-3858	294	15	wealth	wealth	NOUN
fsr-3858	294	16	-	-	PUNCT
fsr-3858	294	17	needs	need	NOUN
fsr-3858	294	18	ratio	ratio	NOUN
fsr-3858	294	19	.	.	PUNCT
fsr-3858	295	1	for	for	ADP
fsr-3858	295	2	the	the	DET
fsr-3858	295	3	mean	mean	PROPN
fsr-3858	295	4	portfolio	portfolio	NOUN
fsr-3858	295	5	projection	projection	NOUN
fsr-3858	295	6	,	,	PUNCT
fsr-3858	295	7	those	those	PRON
fsr-3858	295	8	who	who	PRON
fsr-3858	295	9	report	report	VERB
fsr-3858	295	10	spending	spend	VERB
fsr-3858	295	11	at	at	ADV
fsr-3858	295	12	least	least	ADJ
fsr-3858	295	13	as	as	ADV
fsr-3858	295	14	much	much	ADJ
fsr-3858	295	15	as	as	SCONJ
fsr-3858	295	16	income	income	NOUN
fsr-3858	295	17	have	have	VERB
fsr-3858	295	18	a	a	DET
fsr-3858	295	19	predicted	predict	VERB
fsr-3858	295	20	wealth	wealth	NOUN
fsr-3858	295	21	-	-	PUNCT
fsr-3858	295	22	needs	need	NOUN
fsr-3858	295	23	ratio	ratio	NOUN
fsr-3858	295	24	82	82	NUM
fsr-3858	295	25	percentage	percentage	NOUN
fsr-3858	295	26	points	point	NOUN
fsr-3858	295	27	lower	low	ADJ
fsr-3858	295	28	than	than	ADP
fsr-3858	295	29	otherwise	otherwise	ADV
fsr-3858	295	30	similar	similar	ADJ
fsr-3858	295	31	households	household	NOUN
fsr-3858	295	32	who	who	PRON
fsr-3858	295	33	spend	spend	VERB
fsr-3858	295	34	less	less	ADJ
fsr-3858	295	35	than	than	ADP
fsr-3858	295	36	income	income	NOUN
fsr-3858	295	37	.	.	PUNCT
fsr-3858	296	1	for	for	ADP
fsr-3858	296	2	the	the	DET
fsr-3858	296	3	pessimistic	pessimistic	ADJ
fsr-3858	296	4	portfolio	portfolio	NOUN
fsr-3858	296	5	projection	projection	NOUN
fsr-3858	296	6	,	,	PUNCT
fsr-3858	296	7	those	those	PRON
fsr-3858	296	8	who	who	PRON
fsr-3858	296	9	report	report	VERB
fsr-3858	296	10	spending	spend	VERB
fsr-3858	296	11	at	at	ADV
fsr-3858	296	12	least	least	ADJ
fsr-3858	296	13	as	as	ADV
fsr-3858	296	14	much	much	ADJ
fsr-3858	296	15	as	as	SCONJ
fsr-3858	296	16	income	income	NOUN
fsr-3858	296	17	have	have	VERB
fsr-3858	296	18	a	a	DET
fsr-3858	296	19	predicted	predict	VERB
fsr-3858	296	20	wealth	wealth	NOUN
fsr-3858	296	21	-	-	PUNCT
fsr-3858	296	22	needs	need	NOUN
fsr-3858	296	23	ratio	ratio	NOUN
fsr-3858	296	24	57	57	NUM
fsr-3858	296	25	percentage	percentage	NOUN
fsr-3858	296	26	points	point	NOUN
fsr-3858	296	27	lower	low	ADJ
fsr-3858	296	28	than	than	ADP
fsr-3858	296	29	otherwise	otherwise	ADV
fsr-3858	296	30	similar	similar	ADJ
fsr-3858	296	31	households	household	NOUN
fsr-3858	296	32	who	who	PRON
fsr-3858	296	33	spend	spend	VERB
fsr-3858	296	34	less	less	ADJ
fsr-3858	296	35	than	than	ADP
fsr-3858	296	36	income	income	NOUN
fsr-3858	296	37	.	.	PUNCT
fsr-3858	297	1	to	to	PART
fsr-3858	297	2	provide	provide	VERB
fsr-3858	297	3	some	some	DET
fsr-3858	297	4	idea	idea	NOUN
fsr-3858	297	5	of	of	ADP
fsr-3858	297	6	the	the	DET
fsr-3858	297	7	magnitude	magnitude	NOUN
fsr-3858	297	8	of	of	ADP
fsr-3858	297	9	the	the	DET
fsr-3858	297	10	effects	effect	NOUN
fsr-3858	297	11	of	of	ADP
fsr-3858	297	12	planned	plan	VERB
fsr-3858	297	13	retirement	retirement	NOUN
fsr-3858	297	14	age	age	NOUN
fsr-3858	297	15	and	and	CCONJ
fsr-3858	297	16	overspending	overspending	NOUN
fsr-3858	297	17	behavior	behavior	NOUN
fsr-3858	297	18	,	,	PUNCT
fsr-3858	297	19	predicted	predict	VERB
fsr-3858	297	20	wealth	wealth	NOUN
fsr-3858	297	21	-	-	PUNCT
fsr-3858	297	22	needs	need	NOUN
fsr-3858	297	23	ratios	ratio	NOUN
fsr-3858	297	24	at	at	ADP
fsr-3858	297	25	retirement	retirement	NOUN
fsr-3858	297	26	are	be	AUX
fsr-3858	297	27	calculated	calculate	VERB
fsr-3858	297	28	based	base	VERB
fsr-3858	297	29	on	on	ADP
fsr-3858	297	30	the	the	DET
fsr-3858	297	31	regression	regression	NOUN
fsr-3858	297	32	results	result	NOUN
fsr-3858	297	33	in	in	ADP
fsr-3858	297	34	tables	table	NOUN
fsr-3858	297	35	2	2	NUM
fsr-3858	297	36	and	and	CCONJ
fsr-3858	297	37	3	3	NUM
fsr-3858	297	38	.	.	PUNCT
fsr-3858	298	1	a	a	DET
fsr-3858	298	2	hypothetical	hypothetical	ADJ
fsr-3858	298	3	household	household	NOUN
fsr-3858	298	4	is	be	AUX
fsr-3858	298	5	defined	define	VERB
fsr-3858	298	6	to	to	PART
fsr-3858	298	7	have	have	AUX
fsr-3858	298	8	mean	mean	VERB
fsr-3858	298	9	values	value	NOUN
fsr-3858	298	10	for	for	ADP
fsr-3858	298	11	continuous	continuous	ADJ
fsr-3858	298	12	variables	variable	NOUN
fsr-3858	298	13	(	(	PUNCT
fsr-3858	298	14	median	median	ADJ
fsr-3858	298	15	value	value	NOUN
fsr-3858	298	16	for	for	ADP
fsr-3858	298	17	household	household	NOUN
fsr-3858	298	18	income	income	NOUN
fsr-3858	298	19	)	)	PUNCT
fsr-3858	298	20	and	and	CCONJ
fsr-3858	298	21	the	the	DET
fsr-3858	298	22	most	most	ADV
fsr-3858	298	23	common	common	ADJ
fsr-3858	298	24	190	190	NUM
fsr-3858	298	25	y.	y.	NOUN
fsr-3858	298	26	yuh	yuh	PROPN
fsr-3858	298	27	et	et	PROPN
fsr-3858	298	28	al	al	PROPN
fsr-3858	298	29	.	.	PUNCT
fsr-3858	298	30	/	/	SYM
fsr-3858	298	31	financial	financial	ADJ
fsr-3858	298	32	services	service	NOUN
fsr-3858	298	33	review	review	VERB
fsr-3858	298	34	7	7	NUM
fsr-3858	298	35	(	(	PUNCT
fsr-3858	298	36	1998	1998	NUM
fsr-3858	298	37	)	)	PUNCT
fsr-3858	299	1	175–193	175–193	NUM
fsr-3858	299	2	values	value	NOUN
fsr-3858	299	3	for	for	ADP
fsr-3858	299	4	dummy	dummy	ADJ
fsr-3858	299	5	variables	variable	NOUN
fsr-3858	299	6	in	in	ADP
fsr-3858	299	7	the	the	DET
fsr-3858	299	8	model	model	NOUN
fsr-3858	299	9	.	.	PUNCT
fsr-3858	300	1	the	the	DET
fsr-3858	300	2	predicted	predict	VERB
fsr-3858	300	3	probabilities	probability	NOUN
fsr-3858	300	4	of	of	ADP
fsr-3858	300	5	having	have	VERB
fsr-3858	300	6	adequate	adequate	ADJ
fsr-3858	300	7	wealth	wealth	NOUN
fsr-3858	300	8	at	at	ADP
fsr-3858	300	9	retirement	retirement	NOUN
fsr-3858	300	10	for	for	ADP
fsr-3858	300	11	this	this	DET
fsr-3858	300	12	scenario	scenario	NOUN
fsr-3858	300	13	are	be	AUX
fsr-3858	300	14	presented	present	VERB
fsr-3858	300	15	in	in	ADP
fsr-3858	300	16	table	table	NOUN
fsr-3858	300	17	4	4	NUM
fsr-3858	300	18	.	.	PUNCT
fsr-3858	301	1	the	the	DET
fsr-3858	301	2	importance	importance	NOUN
fsr-3858	301	3	of	of	ADP
fsr-3858	301	4	spending	spend	VERB
fsr-3858	301	5	less	less	ADJ
fsr-3858	301	6	than	than	SCONJ
fsr-3858	301	7	income	income	NOUN
fsr-3858	301	8	can	can	AUX
fsr-3858	301	9	be	be	AUX
fsr-3858	301	10	clearly	clearly	ADV
fsr-3858	301	11	seen	see	VERB
fsr-3858	301	12	—	—	PUNCT
fsr-3858	301	13	even	even	ADV
fsr-3858	301	14	those	those	PRON
fsr-3858	301	15	planning	planning	NOUN
fsr-3858	301	16	to	to	PART
fsr-3858	301	17	retire	retire	VERB
fsr-3858	301	18	before	before	ADP
fsr-3858	301	19	age	age	NOUN
fsr-3858	301	20	62	62	NUM
fsr-3858	301	21	have	have	VERB
fsr-3858	301	22	a	a	DET
fsr-3858	301	23	projected	project	VERB
fsr-3858	301	24	wealth	wealth	NOUN
fsr-3858	301	25	-	-	PUNCT
fsr-3858	301	26	needs	need	NOUN
fsr-3858	301	27	ratio	ratio	NOUN
fsr-3858	301	28	at	at	ADP
fsr-3858	301	29	retirement	retirement	NOUN
fsr-3858	301	30	of	of	ADP
fsr-3858	301	31	135	135	NUM
fsr-3858	301	32	%	%	NOUN
fsr-3858	301	33	if	if	SCONJ
fsr-3858	301	34	they	they	PRON
fsr-3858	301	35	spend	spend	VERB
fsr-3858	301	36	less	less	ADJ
fsr-3858	301	37	than	than	ADP
fsr-3858	301	38	their	their	PRON
fsr-3858	301	39	income	income	NOUN
fsr-3858	301	40	,	,	PUNCT
fsr-3858	301	41	compared	compare	VERB
fsr-3858	301	42	to	to	ADP
fsr-3858	301	43	52	52	NUM
fsr-3858	301	44	%	%	NOUN
fsr-3858	301	45	for	for	ADP
fsr-3858	301	46	comparable	comparable	ADJ
fsr-3858	301	47	households	household	NOUN
fsr-3858	301	48	that	that	PRON
fsr-3858	301	49	spend	spend	VERB
fsr-3858	301	50	at	at	ADV
fsr-3858	301	51	least	least	ADJ
fsr-3858	301	52	as	as	ADV
fsr-3858	301	53	much	much	ADJ
fsr-3858	301	54	as	as	ADP
fsr-3858	301	55	income	income	NOUN
fsr-3858	301	56	(	(	PUNCT
fsr-3858	301	57	mean	mean	NOUN
fsr-3858	301	58	portfolio	portfolio	NOUN
fsr-3858	301	59	projection	projection	NOUN
fsr-3858	301	60	)	)	PUNCT
fsr-3858	301	61	.	.	PUNCT
fsr-3858	302	1	retiring	retire	VERB
fsr-3858	302	2	at	at	ADP
fsr-3858	302	3	a	a	DET
fsr-3858	302	4	later	later	ADJ
fsr-3858	302	5	age	age	NOUN
fsr-3858	302	6	has	have	VERB
fsr-3858	302	7	a	a	DET
fsr-3858	302	8	large	large	ADJ
fsr-3858	302	9	impact	impact	NOUN
fsr-3858	302	10	on	on	ADP
fsr-3858	302	11	the	the	DET
fsr-3858	302	12	wealth	wealth	NOUN
fsr-3858	302	13	-	-	PUNCT
fsr-3858	302	14	needs	need	NOUN
fsr-3858	302	15	ratio	ratio	NOUN
fsr-3858	302	16	.	.	PUNCT
fsr-3858	303	1	for	for	ADP
fsr-3858	303	2	households	household	NOUN
fsr-3858	303	3	currently	currently	ADV
fsr-3858	303	4	spending	spend	VERB
fsr-3858	303	5	at	at	ADV
fsr-3858	303	6	least	least	ADJ
fsr-3858	303	7	as	as	ADV
fsr-3858	303	8	much	much	ADJ
fsr-3858	303	9	as	as	ADP
fsr-3858	303	10	income	income	NOUN
fsr-3858	303	11	,	,	PUNCT
fsr-3858	303	12	those	those	PRON
fsr-3858	303	13	planning	plan	VERB
fsr-3858	303	14	to	to	PART
fsr-3858	303	15	retire	retire	VERB
fsr-3858	303	16	before	before	ADP
fsr-3858	303	17	age	age	NOUN
fsr-3858	303	18	62	62	NUM
fsr-3858	303	19	have	have	VERB
fsr-3858	303	20	a	a	DET
fsr-3858	303	21	projected	project	VERB
fsr-3858	303	22	wealth	wealth	NOUN
fsr-3858	303	23	-	-	PUNCT
fsr-3858	303	24	needs	need	NOUN
fsr-3858	303	25	ratio	ratio	NOUN
fsr-3858	303	26	at	at	ADP
fsr-3858	303	27	retirement	retirement	NOUN
fsr-3858	303	28	of	of	ADP
fsr-3858	303	29	52	52	NUM
fsr-3858	303	30	%	%	NOUN
fsr-3858	303	31	,	,	PUNCT
fsr-3858	303	32	compared	compare	VERB
fsr-3858	303	33	to	to	ADP
fsr-3858	303	34	a	a	DET
fsr-3858	303	35	ratio	ratio	NOUN
fsr-3858	303	36	of	of	ADP
fsr-3858	303	37	80	80	NUM
fsr-3858	303	38	%	%	NOUN
fsr-3858	303	39	for	for	ADP
fsr-3858	303	40	those	those	PRON
fsr-3858	303	41	retiring	retire	VERB
fsr-3858	303	42	between	between	ADP
fsr-3858	303	43	ages	age	NOUN
fsr-3858	303	44	62	62	NUM
fsr-3858	303	45	and	and	CCONJ
fsr-3858	303	46	65	65	NUM
fsr-3858	303	47	,	,	PUNCT
fsr-3858	303	48	and	and	CCONJ
fsr-3858	303	49	a	a	DET
fsr-3858	303	50	ratio	ratio	NOUN
fsr-3858	303	51	of	of	ADP
fsr-3858	303	52	138	138	NUM
fsr-3858	303	53	%	%	NOUN
fsr-3858	303	54	for	for	ADP
fsr-3858	303	55	those	those	DET
fsr-3858	303	56	planning	planning	NOUN
fsr-3858	303	57	to	to	PART
fsr-3858	303	58	retire	retire	VERB
fsr-3858	303	59	after	after	ADP
fsr-3858	303	60	age	age	NOUN
fsr-3858	303	61	65	65	NUM
fsr-3858	303	62	.	.	PUNCT
fsr-3858	304	1	5	5	NUM
fsr-3858	304	2	.	.	PUNCT
fsr-3858	304	3	conclusions	conclusion	NOUN
fsr-3858	304	4	this	this	DET
fsr-3858	304	5	study	study	NOUN
fsr-3858	304	6	projects	project	VERB
fsr-3858	304	7	that	that	SCONJ
fsr-3858	304	8	almost	almost	ADV
fsr-3858	304	9	half	half	NOUN
fsr-3858	304	10	of	of	ADP
fsr-3858	304	11	u.s	u.s	PROPN
fsr-3858	304	12	.	.	PROPN
fsr-3858	304	13	households	household	NOUN
fsr-3858	304	14	headed	head	VERB
fsr-3858	304	15	by	by	ADP
fsr-3858	304	16	a	a	DET
fsr-3858	304	17	worker	worker	NOUN
fsr-3858	304	18	age	age	NOUN
fsr-3858	304	19	35	35	NUM
fsr-3858	304	20	to	to	ADP
fsr-3858	304	21	70	70	NUM
fsr-3858	304	22	will	will	AUX
fsr-3858	304	23	not	not	PART
fsr-3858	304	24	be	be	AUX
fsr-3858	304	25	able	able	ADJ
fsr-3858	304	26	to	to	PART
fsr-3858	304	27	maintain	maintain	VERB
fsr-3858	304	28	the	the	DET
fsr-3858	304	29	current	current	ADJ
fsr-3858	304	30	level	level	NOUN
fsr-3858	304	31	of	of	ADP
fsr-3858	304	32	spending	spending	NOUN
fsr-3858	304	33	in	in	ADP
fsr-3858	304	34	retirement	retirement	NOUN
fsr-3858	304	35	,	,	PUNCT
fsr-3858	304	36	even	even	ADV
fsr-3858	304	37	if	if	SCONJ
fsr-3858	304	38	investments	investment	NOUN
fsr-3858	304	39	achieve	achieve	VERB
fsr-3858	304	40	an	an	DET
fsr-3858	304	41	average	average	ADJ
fsr-3858	304	42	rate	rate	NOUN
fsr-3858	304	43	of	of	ADP
fsr-3858	304	44	return	return	NOUN
fsr-3858	304	45	in	in	ADP
fsr-3858	304	46	the	the	DET
fsr-3858	304	47	future	future	NOUN
fsr-3858	304	48	.	.	PUNCT
fsr-3858	305	1	the	the	DET
fsr-3858	305	2	proportion	proportion	NOUN
fsr-3858	305	3	unable	unable	ADJ
fsr-3858	305	4	to	to	PART
fsr-3858	305	5	maintain	maintain	VERB
fsr-3858	305	6	the	the	DET
fsr-3858	305	7	level	level	NOUN
fsr-3858	305	8	of	of	ADP
fsr-3858	305	9	spending	spending	NOUN
fsr-3858	305	10	increases	increase	NOUN
fsr-3858	305	11	to	to	ADP
fsr-3858	305	12	58	58	NUM
fsr-3858	305	13	%	%	NOUN
fsr-3858	305	14	with	with	ADP
fsr-3858	305	15	pessimistic	pessimistic	ADJ
fsr-3858	305	16	investment	investment	NOUN
fsr-3858	305	17	projections	projection	NOUN
fsr-3858	305	18	.	.	PUNCT
fsr-3858	306	1	these	these	DET
fsr-3858	306	2	estimates	estimate	NOUN
fsr-3858	306	3	are	be	AUX
fsr-3858	306	4	based	base	VERB
fsr-3858	306	5	on	on	ADP
fsr-3858	306	6	current	current	ADJ
fsr-3858	306	7	projections	projection	NOUN
fsr-3858	306	8	of	of	ADP
fsr-3858	306	9	social	social	ADJ
fsr-3858	306	10	security	security	NOUN
fsr-3858	306	11	pensions	pension	NOUN
fsr-3858	306	12	and	and	CCONJ
fsr-3858	306	13	ignore	ignore	VERB
fsr-3858	306	14	the	the	DET
fsr-3858	306	15	effect	effect	NOUN
fsr-3858	306	16	of	of	ADP
fsr-3858	306	17	income	income	NOUN
fsr-3858	306	18	taxes	taxis	NOUN
fsr-3858	306	19	,	,	PUNCT
fsr-3858	306	20	so	so	SCONJ
fsr-3858	306	21	the	the	DET
fsr-3858	306	22	situation	situation	NOUN
fsr-3858	306	23	could	could	AUX
fsr-3858	306	24	be	be	AUX
fsr-3858	306	25	worse	bad	ADJ
fsr-3858	306	26	than	than	SCONJ
fsr-3858	306	27	reported	report	VERB
fsr-3858	306	28	.	.	PUNCT
fsr-3858	307	1	planned	plan	VERB
fsr-3858	307	2	retirement	retirement	NOUN
fsr-3858	307	3	age	age	NOUN
fsr-3858	307	4	and	and	CCONJ
fsr-3858	307	5	household	household	NOUN
fsr-3858	307	6	spending	spending	NOUN
fsr-3858	307	7	behavior	behavior	NOUN
fsr-3858	307	8	are	be	AUX
fsr-3858	307	9	important	important	ADJ
fsr-3858	307	10	factors	factor	NOUN
fsr-3858	307	11	affecting	affect	VERB
fsr-3858	307	12	the	the	DET
fsr-3858	307	13	adequacy	adequacy	NOUN
fsr-3858	307	14	of	of	ADP
fsr-3858	307	15	retirement	retirement	NOUN
fsr-3858	307	16	wealth	wealth	NOUN
fsr-3858	307	17	.	.	PUNCT
fsr-3858	308	1	later	later	ADV
fsr-3858	308	2	retirement	retirement	NOUN
fsr-3858	308	3	increases	increase	VERB
fsr-3858	308	4	the	the	DET
fsr-3858	308	5	number	number	NOUN
fsr-3858	308	6	of	of	ADP
fsr-3858	308	7	years	year	NOUN
fsr-3858	308	8	to	to	PART
fsr-3858	308	9	accumulate	accumulate	VERB
fsr-3858	308	10	retirement	retirement	NOUN
fsr-3858	308	11	resources	resource	NOUN
fsr-3858	308	12	and	and	CCONJ
fsr-3858	308	13	decreases	decrease	VERB
fsr-3858	308	14	the	the	DET
fsr-3858	308	15	number	number	NOUN
fsr-3858	308	16	of	of	ADP
fsr-3858	308	17	years	year	NOUN
fsr-3858	308	18	in	in	ADP
fsr-3858	308	19	retirement	retirement	NOUN
fsr-3858	308	20	.	.	PUNCT
fsr-3858	309	1	in	in	ADP
fsr-3858	309	2	addition	addition	NOUN
fsr-3858	309	3	,	,	PUNCT
fsr-3858	309	4	retirement	retirement	NOUN
fsr-3858	309	5	age	age	NOUN
fsr-3858	309	6	is	be	AUX
fsr-3858	309	7	directly	directly	ADV
fsr-3858	309	8	related	relate	VERB
fsr-3858	309	9	to	to	ADP
fsr-3858	309	10	pension	pension	NOUN
fsr-3858	309	11	availability	availability	NOUN
fsr-3858	309	12	and	and	CCONJ
fsr-3858	309	13	the	the	DET
fsr-3858	309	14	level	level	NOUN
fsr-3858	309	15	of	of	ADP
fsr-3858	309	16	pension	pension	NOUN
fsr-3858	309	17	benefits	benefit	NOUN
fsr-3858	309	18	.	.	PUNCT
fsr-3858	310	1	spending	spend	VERB
fsr-3858	310	2	less	less	ADJ
fsr-3858	310	3	than	than	SCONJ
fsr-3858	310	4	income	income	NOUN
fsr-3858	310	5	implies	imply	VERB
fsr-3858	310	6	saving	save	VERB
fsr-3858	310	7	,	,	PUNCT
fsr-3858	310	8	and	and	CCONJ
fsr-3858	310	9	thus	thus	ADV
fsr-3858	310	10	increases	increase	VERB
fsr-3858	310	11	the	the	DET
fsr-3858	310	12	opportunity	opportunity	NOUN
fsr-3858	310	13	to	to	PART
fsr-3858	310	14	save	save	VERB
fsr-3858	310	15	for	for	ADP
fsr-3858	310	16	table	table	NOUN
fsr-3858	310	17	4	4	NUM
fsr-3858	310	18	predicted	predict	VERB
fsr-3858	310	19	retirement	retirement	NOUN
fsr-3858	310	20	wealth	wealth	NOUN
fsr-3858	310	21	-	-	PUNCT
fsr-3858	310	22	needs	need	VERB
fsr-3858	310	23	ratio	ratio	NOUN
fsr-3858	310	24	for	for	ADP
fsr-3858	310	25	a	a	DET
fsr-3858	310	26	hypothetical	hypothetical	ADJ
fsr-3858	310	27	scenario	scenario	NOUN
fsr-3858	310	28	,	,	PUNCT
fsr-3858	310	29	for	for	ADP
fsr-3858	310	30	mean	mean	NOUN
fsr-3858	310	31	and	and	CCONJ
fsr-3858	310	32	pessimistic	pessimistic	ADJ
fsr-3858	310	33	portfolio	portfolio	NOUN
fsr-3858	310	34	projections	projection	NOUN
fsr-3858	310	35	,	,	PUNCT
fsr-3858	310	36	by	by	ADP
fsr-3858	310	37	spending	spending	NOUN
fsr-3858	310	38	and	and	CCONJ
fsr-3858	310	39	retirement	retirement	NOUN
fsr-3858	310	40	age	age	NOUN
fsr-3858	310	41	retire	retire	NOUN
fsr-3858	310	42	at	at	ADP
fsr-3858	310	43	predicted	predict	VERB
fsr-3858	310	44	retirement	retirement	NOUN
fsr-3858	310	45	wealth	wealth	NOUN
fsr-3858	310	46	-	-	PUNCT
fsr-3858	310	47	needs	need	NOUN
fsr-3858	310	48	ratio	ratio	NOUN
fsr-3858	310	49	mean	mean	NOUN
fsr-3858	310	50	projection	projection	NOUN
fsr-3858	310	51	pessimistic	pessimistic	ADJ
fsr-3858	310	52	projection	projection	NOUN
fsr-3858	310	53	spend$	spend$	PROPN
fsr-3858	310	54	income	income	NOUN
fsr-3858	310	55	spend	spend	NOUN
fsr-3858	310	56	,	,	PUNCT
fsr-3858	310	57	income	income	NOUN
fsr-3858	310	58	spend$	spend$	PROPN
fsr-3858	310	59	income	income	NOUN
fsr-3858	310	60	spend	spend	NOUN
fsr-3858	310	61	,	,	PUNCT
fsr-3858	310	62	income	income	NOUN
fsr-3858	310	63	,	,	PUNCT
fsr-3858	310	64	62	62	NUM
fsr-3858	310	65	52.2	52.2	NUM
fsr-3858	310	66	134.6	134.6	NUM
fsr-3858	310	67	50.9	50.9	NUM
fsr-3858	310	68	107.7	107.7	NUM
fsr-3858	310	69	62–65	62–65	NUM
fsr-3858	310	70	80.0	80.0	NUM
fsr-3858	310	71	162.5	162.5	NUM
fsr-3858	310	72	76.0	76.0	NUM
fsr-3858	310	73	132.8	132.8	NUM
fsr-3858	310	74	$	$	SYM
fsr-3858	310	75	66	66	NUM
fsr-3858	310	76	137.6	137.6	NUM
fsr-3858	310	77	220.0	220.0	NUM
fsr-3858	310	78	128.3	128.3	NUM
fsr-3858	310	79	185.0	185.0	NUM
fsr-3858	310	80	predicted	predict	VERB
fsr-3858	310	81	wealth	wealth	NOUN
fsr-3858	310	82	-	-	PUNCT
fsr-3858	310	83	needs	need	NOUN
fsr-3858	310	84	ratios	ratio	NOUN
fsr-3858	310	85	at	at	ADP
fsr-3858	310	86	retirement	retirement	NOUN
fsr-3858	310	87	were	be	AUX
fsr-3858	310	88	calculated	calculate	VERB
fsr-3858	310	89	based	base	VERB
fsr-3858	310	90	on	on	ADP
fsr-3858	310	91	the	the	DET
fsr-3858	310	92	mean	mean	PROPN
fsr-3858	310	93	portfolio	portfolio	NOUN
fsr-3858	310	94	projection	projection	NOUN
fsr-3858	310	95	(	(	PUNCT
fsr-3858	310	96	table	table	NOUN
fsr-3858	310	97	2	2	NUM
fsr-3858	310	98	)	)	PUNCT
fsr-3858	310	99	and	and	CCONJ
fsr-3858	310	100	pessimistic	pessimistic	ADJ
fsr-3858	310	101	portfolio	portfolio	NOUN
fsr-3858	310	102	projection	projection	NOUN
fsr-3858	310	103	(	(	PUNCT
fsr-3858	310	104	table	table	NOUN
fsr-3858	310	105	3	3	NUM
fsr-3858	310	106	)	)	PUNCT
fsr-3858	310	107	.	.	PUNCT
fsr-3858	311	1	a	a	DET
fsr-3858	311	2	hypothetical	hypothetical	ADJ
fsr-3858	311	3	household	household	NOUN
fsr-3858	311	4	is	be	AUX
fsr-3858	311	5	defined	define	VERB
fsr-3858	311	6	to	to	PART
fsr-3858	311	7	have	have	AUX
fsr-3858	311	8	mean	mean	VERB
fsr-3858	311	9	values	value	NOUN
fsr-3858	311	10	for	for	ADP
fsr-3858	311	11	continuous	continuous	ADJ
fsr-3858	311	12	variables	variable	NOUN
fsr-3858	311	13	(	(	PUNCT
fsr-3858	311	14	median	median	ADJ
fsr-3858	311	15	value	value	NOUN
fsr-3858	311	16	for	for	ADP
fsr-3858	311	17	normal	normal	ADJ
fsr-3858	311	18	income	income	NOUN
fsr-3858	311	19	)	)	PUNCT
fsr-3858	311	20	and	and	CCONJ
fsr-3858	311	21	the	the	DET
fsr-3858	311	22	most	most	ADV
fsr-3858	311	23	common	common	ADJ
fsr-3858	311	24	categories	category	NOUN
fsr-3858	311	25	for	for	ADP
fsr-3858	311	26	dummy	dummy	ADJ
fsr-3858	311	27	variables	variable	NOUN
fsr-3858	311	28	in	in	ADP
fsr-3858	311	29	the	the	DET
fsr-3858	311	30	model	model	NOUN
fsr-3858	311	31	,	,	PUNCT
fsr-3858	311	32	except	except	SCONJ
fsr-3858	311	33	for	for	ADP
fsr-3858	311	34	health	health	NOUN
fsr-3858	311	35	and	and	CCONJ
fsr-3858	311	36	having	have	VERB
fsr-3858	311	37	retirement	retirement	NOUN
fsr-3858	311	38	as	as	ADP
fsr-3858	311	39	a	a	DET
fsr-3858	311	40	savings	saving	NOUN
fsr-3858	311	41	goal	goal	NOUN
fsr-3858	311	42	.	.	PUNCT
fsr-3858	312	1	thus	thus	ADV
fsr-3858	312	2	,	,	PUNCT
fsr-3858	312	3	the	the	DET
fsr-3858	312	4	example	example	NOUN
fsr-3858	312	5	household	household	NOUN
fsr-3858	312	6	is	be	AUX
fsr-3858	312	7	assumed	assume	VERB
fsr-3858	312	8	to	to	PART
fsr-3858	312	9	have	have	VERB
fsr-3858	312	10	the	the	DET
fsr-3858	312	11	following	following	ADJ
fsr-3858	312	12	characteristics	characteristic	NOUN
fsr-3858	312	13	:	:	PUNCT
fsr-3858	312	14	white	white	ADJ
fsr-3858	312	15	non	non	ADJ
fsr-3858	312	16	-	-	ADJ
fsr-3858	312	17	hispanic	hispanic	ADJ
fsr-3858	312	18	married	married	ADJ
fsr-3858	312	19	couple	couple	NOUN
fsr-3858	312	20	,	,	PUNCT
fsr-3858	312	21	with	with	ADP
fsr-3858	312	22	one	one	NUM
fsr-3858	312	23	child	child	NOUN
fsr-3858	312	24	,	,	PUNCT
fsr-3858	312	25	a	a	DET
fsr-3858	312	26	college	college	NOUN
fsr-3858	312	27	educated	educate	VERB
fsr-3858	312	28	householder	householder	NOUN
fsr-3858	312	29	in	in	ADP
fsr-3858	312	30	excellent	excellent	ADJ
fsr-3858	312	31	health	health	NOUN
fsr-3858	312	32	employed	employ	VERB
fsr-3858	312	33	in	in	ADP
fsr-3858	312	34	a	a	DET
fsr-3858	312	35	professional	professional	ADJ
fsr-3858	312	36	occupation	occupation	NOUN
fsr-3858	312	37	,	,	PUNCT
fsr-3858	312	38	annual	annual	ADJ
fsr-3858	312	39	household	household	NOUN
fsr-3858	312	40	income	income	NOUN
fsr-3858	312	41	of	of	ADP
fsr-3858	312	42	$	$	SYM
fsr-3858	312	43	45,000	45,000	NUM
fsr-3858	312	44	,	,	PUNCT
fsr-3858	312	45	no	no	DET
fsr-3858	312	46	defined	define	VERB
fsr-3858	312	47	benefit	benefit	NOUN
fsr-3858	312	48	pension	pension	NOUN
fsr-3858	312	49	plan	plan	NOUN
fsr-3858	312	50	,	,	PUNCT
fsr-3858	312	51	retirement	retirement	NOUN
fsr-3858	312	52	portfolio	portfolio	NOUN
fsr-3858	312	53	with	with	ADP
fsr-3858	312	54	a	a	DET
fsr-3858	312	55	14	14	NUM
fsr-3858	312	56	%	%	NOUN
fsr-3858	312	57	stock	stock	NOUN
fsr-3858	312	58	share	share	NOUN
fsr-3858	312	59	,	,	PUNCT
fsr-3858	312	60	owns	own	VERB
fsr-3858	312	61	a	a	DET
fsr-3858	312	62	house	house	NOUN
fsr-3858	312	63	with	with	ADP
fsr-3858	312	64	a	a	DET
fsr-3858	312	65	mortgage	mortgage	NOUN
fsr-3858	312	66	,	,	PUNCT
fsr-3858	312	67	16	16	NUM
fsr-3858	312	68	years	year	NOUN
fsr-3858	312	69	away	away	ADV
fsr-3858	312	70	from	from	ADP
fsr-3858	312	71	retirement	retirement	NOUN
fsr-3858	312	72	,	,	PUNCT
fsr-3858	312	73	not	not	PART
fsr-3858	312	74	expecting	expect	VERB
fsr-3858	312	75	future	future	ADJ
fsr-3858	312	76	income	income	NOUN
fsr-3858	312	77	growth	growth	NOUN
fsr-3858	312	78	,	,	PUNCT
fsr-3858	312	79	does	do	AUX
fsr-3858	312	80	not	not	PART
fsr-3858	312	81	use	use	VERB
fsr-3858	312	82	a	a	DET
fsr-3858	312	83	financial	financial	ADJ
fsr-3858	312	84	planner	planner	NOUN
fsr-3858	312	85	,	,	PUNCT
fsr-3858	312	86	does	do	AUX
fsr-3858	312	87	not	not	PART
fsr-3858	312	88	expect	expect	VERB
fsr-3858	312	89	income	income	NOUN
fsr-3858	312	90	growth	growth	NOUN
fsr-3858	312	91	,	,	PUNCT
fsr-3858	312	92	not	not	PART
fsr-3858	312	93	a	a	DET
fsr-3858	312	94	risk	risk	NOUN
fsr-3858	312	95	taker	taker	NOUN
fsr-3858	312	96	,	,	PUNCT
fsr-3858	312	97	has	have	VERB
fsr-3858	312	98	retirement	retirement	NOUN
fsr-3858	312	99	as	as	ADP
fsr-3858	312	100	a	a	DET
fsr-3858	312	101	saving	save	VERB
fsr-3858	312	102	goal	goal	NOUN
fsr-3858	312	103	,	,	PUNCT
fsr-3858	312	104	and	and	CCONJ
fsr-3858	312	105	expects	expect	VERB
fsr-3858	312	106	to	to	PART
fsr-3858	312	107	live	live	VERB
fsr-3858	312	108	34	34	NUM
fsr-3858	312	109	years	year	NOUN
fsr-3858	312	110	.	.	PUNCT
fsr-3858	313	1	191y	191y	NOUN
fsr-3858	313	2	.	.	PUNCT
fsr-3858	314	1	yuh	yuh	PROPN
fsr-3858	314	2	et	et	PROPN
fsr-3858	314	3	al	al	PROPN
fsr-3858	314	4	.	.	PUNCT
fsr-3858	314	5	/	/	SYM
fsr-3858	314	6	financial	financial	ADJ
fsr-3858	314	7	services	service	NOUN
fsr-3858	314	8	review	review	VERB
fsr-3858	314	9	7	7	NUM
fsr-3858	314	10	(	(	PUNCT
fsr-3858	314	11	1998	1998	NUM
fsr-3858	314	12	)	)	PUNCT
fsr-3858	314	13	175–193	175–193	NUM
fsr-3858	314	14	retirement	retirement	NOUN
fsr-3858	314	15	.	.	PUNCT
fsr-3858	315	1	overspending	overspending	NOUN
fsr-3858	315	2	decreases	decrease	VERB
fsr-3858	315	3	the	the	DET
fsr-3858	315	4	wealth	wealth	NOUN
fsr-3858	315	5	accumulations	accumulation	NOUN
fsr-3858	315	6	for	for	ADP
fsr-3858	315	7	retirement	retirement	NOUN
fsr-3858	315	8	and	and	CCONJ
fsr-3858	315	9	increases	increase	VERB
fsr-3858	315	10	estimated	estimate	VERB
fsr-3858	315	11	retirement	retirement	NOUN
fsr-3858	315	12	consumption	consumption	NOUN
fsr-3858	315	13	needs	need	NOUN
fsr-3858	315	14	.	.	PUNCT
fsr-3858	316	1	based	base	VERB
fsr-3858	316	2	on	on	ADP
fsr-3858	316	3	mean	mean	ADJ
fsr-3858	316	4	projections	projection	NOUN
fsr-3858	316	5	,	,	PUNCT
fsr-3858	316	6	the	the	DET
fsr-3858	316	7	interaction	interaction	NOUN
fsr-3858	316	8	between	between	ADP
fsr-3858	316	9	the	the	DET
fsr-3858	316	10	stock	stock	NOUN
fsr-3858	316	11	share	share	NOUN
fsr-3858	316	12	and	and	CCONJ
fsr-3858	316	13	the	the	DET
fsr-3858	316	14	investment	investment	NOUN
fsr-3858	316	15	horizon	horizon	NOUN
fsr-3858	316	16	(	(	PUNCT
fsr-3858	316	17	number	number	NOUN
fsr-3858	316	18	of	of	ADP
fsr-3858	316	19	years	year	NOUN
fsr-3858	316	20	until	until	ADP
fsr-3858	316	21	retirement	retirement	NOUN
fsr-3858	316	22	)	)	PUNCT
fsr-3858	316	23	is	be	AUX
fsr-3858	316	24	an	an	DET
fsr-3858	316	25	important	important	ADJ
fsr-3858	316	26	factor	factor	NOUN
fsr-3858	316	27	affecting	affect	VERB
fsr-3858	316	28	retirement	retirement	NOUN
fsr-3858	316	29	wealth	wealth	NOUN
fsr-3858	316	30	adequacy	adequacy	NOUN
fsr-3858	316	31	.	.	PUNCT
fsr-3858	317	1	a	a	DET
fsr-3858	317	2	higher	high	ADJ
fsr-3858	317	3	stock	stock	NOUN
fsr-3858	317	4	share	share	NOUN
fsr-3858	317	5	with	with	ADP
fsr-3858	317	6	the	the	DET
fsr-3858	317	7	same	same	ADJ
fsr-3858	317	8	investment	investment	NOUN
fsr-3858	317	9	horizon	horizon	NOUN
fsr-3858	317	10	or	or	CCONJ
fsr-3858	317	11	a	a	DET
fsr-3858	317	12	longer	long	ADJ
fsr-3858	317	13	investment	investment	NOUN
fsr-3858	317	14	horizon	horizon	NOUN
fsr-3858	317	15	with	with	ADP
fsr-3858	317	16	the	the	DET
fsr-3858	317	17	same	same	ADJ
fsr-3858	317	18	stock	stock	NOUN
fsr-3858	317	19	share	share	NOUN
fsr-3858	317	20	significantly	significantly	ADV
fsr-3858	317	21	increase	increase	VERB
fsr-3858	317	22	the	the	DET
fsr-3858	317	23	adequacy	adequacy	NOUN
fsr-3858	317	24	of	of	ADP
fsr-3858	317	25	retirement	retirement	NOUN
fsr-3858	317	26	wealth	wealth	NOUN
fsr-3858	317	27	.	.	PUNCT
fsr-3858	318	1	the	the	DET
fsr-3858	318	2	lack	lack	NOUN
fsr-3858	318	3	of	of	ADP
fsr-3858	318	4	a	a	DET
fsr-3858	318	5	significant	significant	ADJ
fsr-3858	318	6	negative	negative	ADJ
fsr-3858	318	7	effect	effect	NOUN
fsr-3858	318	8	of	of	ADP
fsr-3858	318	9	stock	stock	NOUN
fsr-3858	318	10	share	share	NOUN
fsr-3858	318	11	on	on	ADP
fsr-3858	318	12	the	the	DET
fsr-3858	318	13	wealth	wealth	NOUN
fsr-3858	318	14	-	-	PUNCT
fsr-3858	318	15	needs	need	NOUN
fsr-3858	318	16	ratio	ratio	NOUN
fsr-3858	318	17	implies	imply	VERB
fsr-3858	318	18	that	that	SCONJ
fsr-3858	318	19	increasing	increase	VERB
fsr-3858	318	20	the	the	DET
fsr-3858	318	21	stock	stock	NOUN
fsr-3858	318	22	share	share	NOUN
fsr-3858	318	23	will	will	AUX
fsr-3858	318	24	not	not	PART
fsr-3858	318	25	impose	impose	VERB
fsr-3858	318	26	a	a	DET
fsr-3858	318	27	risk	risk	NOUN
fsr-3858	318	28	for	for	ADP
fsr-3858	318	29	households	household	NOUN
fsr-3858	318	30	in	in	ADP
fsr-3858	318	31	general	general	ADJ
fsr-3858	318	32	,	,	PUNCT
fsr-3858	318	33	even	even	ADV
fsr-3858	318	34	if	if	SCONJ
fsr-3858	318	35	projected	project	VERB
fsr-3858	318	36	future	future	ADJ
fsr-3858	318	37	real	real	ADJ
fsr-3858	318	38	returns	return	NOUN
fsr-3858	318	39	for	for	ADP
fsr-3858	318	40	investments	investment	NOUN
fsr-3858	318	41	are	be	AUX
fsr-3858	318	42	at	at	ADP
fsr-3858	318	43	the	the	DET
fsr-3858	318	44	levels	level	NOUN
fsr-3858	318	45	of	of	ADP
fsr-3858	318	46	the	the	DET
fsr-3858	318	47	lowest	low	ADJ
fsr-3858	318	48	5	5	NUM
fsr-3858	318	49	%	%	NOUN
fsr-3858	318	50	for	for	ADP
fsr-3858	318	51	time	time	NOUN
fsr-3858	318	52	periods	period	NOUN
fsr-3858	318	53	in	in	ADP
fsr-3858	318	54	the	the	DET
fsr-3858	318	55	past	past	NOUN
fsr-3858	318	56	.	.	PUNCT
fsr-3858	319	1	(	(	PUNCT
fsr-3858	319	2	households	household	NOUN
fsr-3858	319	3	with	with	ADP
fsr-3858	319	4	little	little	ADJ
fsr-3858	319	5	diversification	diversification	NOUN
fsr-3858	319	6	may	may	AUX
fsr-3858	319	7	be	be	AUX
fsr-3858	319	8	at	at	ADP
fsr-3858	319	9	risk	risk	NOUN
fsr-3858	319	10	,	,	PUNCT
fsr-3858	319	11	but	but	CCONJ
fsr-3858	319	12	low	low	ADJ
fsr-3858	319	13	diversification	diversification	NOUN
fsr-3858	319	14	could	could	AUX
fsr-3858	319	15	not	not	PART
fsr-3858	319	16	be	be	AUX
fsr-3858	319	17	measured	measure	VERB
fsr-3858	319	18	accurately	accurately	ADV
fsr-3858	319	19	in	in	ADP
fsr-3858	319	20	the	the	DET
fsr-3858	319	21	dataset	dataset	NOUN
fsr-3858	319	22	.	.	PUNCT
fsr-3858	319	23	)	)	PUNCT
fsr-3858	320	1	aggressive	aggressive	ADJ
fsr-3858	320	2	investment	investment	NOUN
fsr-3858	320	3	or	or	CCONJ
fsr-3858	320	4	saving	saving	NOUN
fsr-3858	320	5	strategies	strategy	NOUN
fsr-3858	320	6	should	should	AUX
fsr-3858	320	7	be	be	AUX
fsr-3858	320	8	encouraged	encourage	VERB
fsr-3858	320	9	especially	especially	ADV
fsr-3858	320	10	for	for	ADP
fsr-3858	320	11	individuals	individual	NOUN
fsr-3858	320	12	who	who	PRON
fsr-3858	320	13	have	have	VERB
fsr-3858	320	14	longer	long	ADJ
fsr-3858	320	15	investment	investment	NOUN
fsr-3858	320	16	horizons	horizon	NOUN
fsr-3858	320	17	.	.	PUNCT
fsr-3858	321	1	moreover	moreover	ADV
fsr-3858	321	2	,	,	PUNCT
fsr-3858	321	3	asset	asset	NOUN
fsr-3858	321	4	allocation	allocation	NOUN
fsr-3858	321	5	decisions	decision	NOUN
fsr-3858	321	6	within	within	ADP
fsr-3858	321	7	retirement	retirement	NOUN
fsr-3858	321	8	saving	saving	NOUN
fsr-3858	321	9	programs	program	NOUN
fsr-3858	321	10	are	be	AUX
fsr-3858	321	11	important	important	ADJ
fsr-3858	321	12	for	for	SCONJ
fsr-3858	321	13	individual	individual	ADJ
fsr-3858	321	14	investors	investor	NOUN
fsr-3858	321	15	given	give	VERB
fsr-3858	321	16	the	the	DET
fsr-3858	321	17	increase	increase	NOUN
fsr-3858	321	18	in	in	ADP
fsr-3858	321	19	401(k	401(k	PROPN
fsr-3858	321	20	)	)	PUNCT
fsr-3858	321	21	and	and	CCONJ
fsr-3858	321	22	related	relate	VERB
fsr-3858	321	23	retirement	retirement	NOUN
fsr-3858	321	24	saving	saving	NOUN
fsr-3858	321	25	programs	program	NOUN
fsr-3858	321	26	and	and	CCONJ
fsr-3858	321	27	the	the	DET
fsr-3858	321	28	decrease	decrease	NOUN
fsr-3858	321	29	in	in	ADP
fsr-3858	321	30	defined	define	VERB
fsr-3858	321	31	benefit	benefit	NOUN
fsr-3858	321	32	plans	plan	NOUN
fsr-3858	321	33	since	since	SCONJ
fsr-3858	321	34	the	the	DET
fsr-3858	321	35	1980s	1980s	NUM
fsr-3858	321	36	.	.	PUNCT
fsr-3858	322	1	evidence	evidence	NOUN
fsr-3858	322	2	of	of	ADP
fsr-3858	322	3	higher	high	ADJ
fsr-3858	322	4	rates	rate	NOUN
fsr-3858	322	5	of	of	ADP
fsr-3858	322	6	return	return	NOUN
fsr-3858	322	7	for	for	ADP
fsr-3858	322	8	stocks	stock	NOUN
fsr-3858	322	9	in	in	ADP
fsr-3858	322	10	the	the	DET
fsr-3858	322	11	long	long	ADJ
fsr-3858	322	12	run	run	NOUN
fsr-3858	322	13	should	should	AUX
fsr-3858	322	14	be	be	AUX
fsr-3858	322	15	used	use	VERB
fsr-3858	322	16	to	to	PART
fsr-3858	322	17	encourage	encourage	VERB
fsr-3858	322	18	stock	stock	NOUN
fsr-3858	322	19	investment	investment	NOUN
fsr-3858	322	20	within	within	ADP
fsr-3858	322	21	retirement	retirement	NOUN
fsr-3858	322	22	savings	saving	NOUN
fsr-3858	322	23	programs	program	NOUN
fsr-3858	322	24	.	.	PUNCT
fsr-3858	323	1	clearly	clearly	ADV
fsr-3858	323	2	though	though	ADV
fsr-3858	323	3	,	,	PUNCT
fsr-3858	323	4	a	a	DET
fsr-3858	323	5	simple	simple	ADJ
fsr-3858	323	6	first	first	ADJ
fsr-3858	323	7	step	step	NOUN
fsr-3858	323	8	to	to	ADP
fsr-3858	323	9	an	an	DET
fsr-3858	323	10	adequate	adequate	ADJ
fsr-3858	323	11	retirement	retirement	NOUN
fsr-3858	323	12	is	be	AUX
fsr-3858	323	13	getting	getting	AUX
fsr-3858	323	14	spending	spend	VERB
fsr-3858	323	15	under	under	ADP
fsr-3858	323	16	control	control	NOUN
fsr-3858	323	17	.	.	PUNCT
fsr-3858	324	1	the	the	DET
fsr-3858	324	2	fact	fact	NOUN
fsr-3858	324	3	that	that	SCONJ
fsr-3858	324	4	education	education	NOUN
fsr-3858	324	5	was	be	AUX
fsr-3858	324	6	not	not	PART
fsr-3858	324	7	significant	significant	ADJ
fsr-3858	324	8	in	in	ADP
fsr-3858	324	9	the	the	DET
fsr-3858	324	10	regressions	regression	NOUN
fsr-3858	324	11	suggests	suggest	VERB
fsr-3858	324	12	that	that	SCONJ
fsr-3858	324	13	there	there	PRON
fsr-3858	324	14	is	be	VERB
fsr-3858	324	15	not	not	PART
fsr-3858	324	16	an	an	DET
fsr-3858	324	17	inherent	inherent	ADJ
fsr-3858	324	18	barrier	barrier	NOUN
fsr-3858	324	19	to	to	ADP
fsr-3858	324	20	teaching	teach	VERB
fsr-3858	324	21	workers	worker	NOUN
fsr-3858	324	22	about	about	ADP
fsr-3858	324	23	saving	save	VERB
fsr-3858	324	24	for	for	ADP
fsr-3858	324	25	retirement	retirement	NOUN
fsr-3858	324	26	.	.	PUNCT
fsr-3858	325	1	many	many	ADJ
fsr-3858	325	2	of	of	ADP
fsr-3858	325	3	the	the	DET
fsr-3858	325	4	variables	variable	NOUN
fsr-3858	325	5	with	with	ADP
fsr-3858	325	6	substantial	substantial	ADJ
fsr-3858	325	7	significant	significant	ADJ
fsr-3858	325	8	effects	effect	NOUN
fsr-3858	325	9	in	in	ADP
fsr-3858	325	10	the	the	DET
fsr-3858	325	11	regressions	regression	NOUN
fsr-3858	325	12	are	be	AUX
fsr-3858	325	13	factors	factor	NOUN
fsr-3858	325	14	that	that	SCONJ
fsr-3858	325	15	households	household	NOUN
fsr-3858	325	16	can	can	AUX
fsr-3858	325	17	control	control	VERB
fsr-3858	325	18	,	,	PUNCT
fsr-3858	325	19	as	as	SCONJ
fsr-3858	325	20	illustrated	illustrate	VERB
fsr-3858	325	21	in	in	ADP
fsr-3858	325	22	table	table	NOUN
fsr-3858	325	23	4	4	NUM
fsr-3858	325	24	for	for	ADP
fsr-3858	325	25	spending	spending	NOUN
fsr-3858	325	26	and	and	CCONJ
fsr-3858	325	27	retirement	retirement	NOUN
fsr-3858	325	28	age	age	NOUN
fsr-3858	325	29	.	.	PUNCT
fsr-3858	326	1	references	reference	NOUN
fsr-3858	326	2	andrews	andrews	PROPN
fsr-3858	326	3	,	,	PUNCT
fsr-3858	326	4	e.	e.	PROPN
fsr-3858	326	5	s.	s.	PROPN
fsr-3858	326	6	(	(	PUNCT
fsr-3858	326	7	1993	1993	NUM
fsr-3858	326	8	)	)	PUNCT
fsr-3858	326	9	.	.	PUNCT
fsr-3858	327	1	gaps	gap	NOUN
fsr-3858	327	2	in	in	ADP
fsr-3858	327	3	retirement	retirement	NOUN
fsr-3858	327	4	income	income	NOUN
fsr-3858	327	5	adequacy	adequacy	NOUN
fsr-3858	327	6	.	.	PUNCT
fsr-3858	328	1	in	in	ADP
fsr-3858	328	2	r.	r.	PROPN
fsr-3858	328	3	schmitt	schmitt	PROPN
fsr-3858	328	4	&	&	CCONJ
fsr-3858	328	5	pension	pension	PROPN
fsr-3858	328	6	research	research	PROPN
fsr-3858	328	7	council	council	PROPN
fsr-3858	328	8	(	(	PUNCT
fsr-3858	328	9	eds	ed	NOUN
fsr-3858	328	10	.	.	PUNCT
fsr-3858	328	11	)	)	PUNCT
fsr-3858	328	12	,	,	PUNCT
fsr-3858	328	13	future	future	NOUN
fsr-3858	328	14	of	of	ADP
fsr-3858	328	15	pensions	pension	NOUN
fsr-3858	328	16	in	in	ADP
fsr-3858	328	17	the	the	DET
fsr-3858	328	18	united	united	PROPN
fsr-3858	328	19	states	states	PROPN
fsr-3858	328	20	.	.	PUNCT
fsr-3858	329	1	(	(	PUNCT
fsr-3858	329	2	pp.1–52	pp.1–52	NUM
fsr-3858	329	3	)	)	PUNCT
fsr-3858	329	4	.	.	PUNCT
fsr-3858	330	1	philadelphia	philadelphia	PROPN
fsr-3858	330	2	:	:	PUNCT
fsr-3858	330	3	university	university	NOUN
fsr-3858	330	4	of	of	ADP
fsr-3858	330	5	pennsylvania	pennsylvania	PROPN
fsr-3858	330	6	press	press	PROPN
fsr-3858	330	7	.	.	PUNCT
fsr-3858	331	1	bajtelsmit	bajtelsmit	NOUN
fsr-3858	331	2	,	,	PUNCT
fsr-3858	331	3	v.	v.	PROPN
fsr-3858	331	4	j.	j.	PROPN
fsr-3858	331	5	,	,	PUNCT
fsr-3858	331	6	&	&	CCONJ
fsr-3858	331	7	van	van	PROPN
fsr-3858	331	8	derhei	derhei	PROPN
fsr-3858	331	9	,	,	PUNCT
fsr-3858	331	10	j.	j.	PROPN
fsr-3858	331	11	a.	a.	PROPN
fsr-3858	331	12	(	(	PUNCT
fsr-3858	331	13	1996	1996	NUM
fsr-3858	331	14	)	)	PUNCT
fsr-3858	331	15	.	.	PUNCT
fsr-3858	332	1	risk	risk	NOUN
fsr-3858	332	2	aversion	aversion	NOUN
fsr-3858	332	3	and	and	CCONJ
fsr-3858	332	4	retirement	retirement	NOUN
fsr-3858	332	5	income	income	NOUN
fsr-3858	332	6	adequacy	adequacy	NOUN
fsr-3858	332	7	.	.	PUNCT
fsr-3858	333	1	in	in	ADP
fsr-3858	333	2	o.	o.	PROPN
fsr-3858	333	3	s.	s.	PROPN
fsr-3858	333	4	mitchell	mitchell	PROPN
fsr-3858	333	5	(	(	PUNCT
fsr-3858	333	6	ed	ed	NOUN
fsr-3858	333	7	.	.	PUNCT
fsr-3858	333	8	)	)	PUNCT
fsr-3858	333	9	,	,	PUNCT
fsr-3858	333	10	positioning	position	VERB
fsr-3858	333	11	pensions	pension	NOUN
fsr-3858	333	12	for	for	ADP
fsr-3858	333	13	the	the	DET
fsr-3858	333	14	twenty	twenty	NUM
fsr-3858	333	15	-	-	PUNCT
fsr-3858	333	16	first	first	ADJ
fsr-3858	333	17	century	century	NOUN
fsr-3858	333	18	.	.	PUNCT
fsr-3858	334	1	philadelphia	philadelphia	PROPN
fsr-3858	334	2	:	:	PUNCT
fsr-3858	334	3	university	university	NOUN
fsr-3858	334	4	of	of	ADP
fsr-3858	334	5	pennsylvania	pennsylvania	PROPN
fsr-3858	334	6	press	press	PROPN
fsr-3858	334	7	.	.	PUNCT
fsr-3858	335	1	bernheim	bernheim	PROPN
fsr-3858	335	2	,	,	PUNCT
fsr-3858	335	3	b.	b.	PROPN
fsr-3858	335	4	d.	d.	PROPN
fsr-3858	335	5	(	(	PUNCT
fsr-3858	335	6	1996).the	1996).the	PROPN
fsr-3858	335	7	merrill	merrill	PROPN
fsr-3858	335	8	lynch	lynch	PROPN
fsr-3858	335	9	baby	baby	PROPN
fsr-3858	335	10	boom	boom	PROPN
fsr-3858	335	11	retirement	retirement	PROPN
fsr-3858	335	12	index	index	PROPN
fsr-3858	335	13	:	:	PUNCT
fsr-3858	335	14	update	update	NOUN
fsr-3858	335	15	’	'	PUNCT
fsr-3858	335	16	96	96	NUM
fsr-3858	335	17	.	.	PUNCT
fsr-3858	336	1	stanford	stanford	PROPN
fsr-3858	336	2	university	university	PROPN
fsr-3858	336	3	:	:	PUNCT
fsr-3858	336	4	merrill	merrill	PROPN
fsr-3858	336	5	lynch	lynch	PROPN
fsr-3858	336	6	.	.	PUNCT
fsr-3858	337	1	bernheim	bernheim	PROPN
fsr-3858	337	2	,	,	PUNCT
fsr-3858	337	3	b.	b.	PROPN
fsr-3858	337	4	d.	d.	PROPN
fsr-3858	337	5	,	,	PUNCT
fsr-3858	337	6	skinner	skinner	PROPN
fsr-3858	337	7	,	,	PUNCT
fsr-3858	337	8	j.	j.	PROPN
fsr-3858	337	9	&	&	CCONJ
fsr-3858	337	10	weinberg	weinberg	PROPN
fsr-3858	337	11	(	(	PUNCT
fsr-3858	337	12	1997	1997	NUM
fsr-3858	337	13	,	,	PUNCT
fsr-3858	337	14	september	september	PROPN
fsr-3858	337	15	)	)	PUNCT
fsr-3858	337	16	.	.	PUNCT
fsr-3858	338	1	what	what	PRON
fsr-3858	338	2	accounts	account	VERB
fsr-3858	338	3	for	for	ADP
fsr-3858	338	4	variation	variation	NOUN
fsr-3858	338	5	in	in	ADP
fsr-3858	338	6	retirement	retirement	NOUN
fsr-3858	338	7	wealth	wealth	NOUN
fsr-3858	338	8	among	among	ADP
fsr-3858	338	9	u.s	u.s	PROPN
fsr-3858	338	10	.	.	PROPN
fsr-3858	338	11	households	household	NOUN
fsr-3858	338	12	?	?	PUNCT
fsr-3858	339	1	mimeo	mimeo	NOUN
fsr-3858	339	2	,	,	PUNCT
fsr-3858	339	3	stanford	stanford	PROPN
fsr-3858	339	4	university	university	PROPN
fsr-3858	339	5	.	.	PUNCT
fsr-3858	340	1	burns	burn	NOUN
fsr-3858	340	2	,	,	PUNCT
fsr-3858	340	3	s.	s.	PROPN
fsr-3858	340	4	a.	a.	PROPN
fsr-3858	340	5	,	,	PUNCT
fsr-3858	340	6	&	&	CCONJ
fsr-3858	340	7	widdows	widdows	PROPN
fsr-3858	340	8	,	,	PUNCT
fsr-3858	340	9	r.	r.	PROPN
fsr-3858	340	10	(	(	PUNCT
fsr-3858	340	11	1988	1988	NUM
fsr-3858	340	12	)	)	PUNCT
fsr-3858	340	13	.	.	PUNCT
fsr-3858	341	1	an	an	DET
fsr-3858	341	2	estimation	estimation	NOUN
fsr-3858	341	3	of	of	ADP
fsr-3858	341	4	savings	saving	NOUN
fsr-3858	341	5	needs	need	VERB
fsr-3858	341	6	to	to	PART
fsr-3858	341	7	adequately	adequately	ADV
fsr-3858	341	8	fund	fund	VERB
fsr-3858	341	9	baby	baby	NOUN
fsr-3858	341	10	boomers	boomer	NOUN
fsr-3858	341	11	’	'	PUNCT
fsr-3858	341	12	retirement	retirement	NOUN
fsr-3858	341	13	.	.	PUNCT
fsr-3858	342	1	in	in	ADP
fsr-3858	342	2	v.	v.	ADP
fsr-3858	342	3	hampton	hampton	PROPN
fsr-3858	342	4	(	(	PUNCT
fsr-3858	342	5	ed.),proceedings	ed.),proceeding	NOUN
fsr-3858	342	6	of	of	ADP
fsr-3858	342	7	the	the	DET
fsr-3858	342	8	34th	34th	ADJ
fsr-3858	342	9	annual	annual	ADJ
fsr-3858	342	10	conference	conference	NOUN
fsr-3858	342	11	of	of	ADP
fsr-3858	342	12	the	the	DET
fsr-3858	342	13	american	american	PROPN
fsr-3858	342	14	council	council	PROPN
fsr-3858	342	15	on	on	ADP
fsr-3858	342	16	consumer	consumer	NOUN
fsr-3858	342	17	interests(pp	interests(pp	NOUN
fsr-3858	342	18	.	.	PUNCT
fsr-3858	343	1	15–8	15–8	NUM
fsr-3858	343	2	)	)	PUNCT
fsr-3858	343	3	.	.	PUNCT
fsr-3858	344	1	columbia	columbia	PROPN
fsr-3858	344	2	,	,	PUNCT
fsr-3858	344	3	mo	mo	PROPN
fsr-3858	344	4	:	:	PUNCT
fsr-3858	344	5	american	american	PROPN
fsr-3858	344	6	council	council	PROPN
fsr-3858	344	7	on	on	ADP
fsr-3858	344	8	consumer	consumer	NOUN
fsr-3858	344	9	interests	interest	NOUN
fsr-3858	344	10	.	.	PUNCT
fsr-3858	345	1	burns	burn	NOUN
fsr-3858	345	2	,	,	PUNCT
fsr-3858	345	3	s.	s.	PROPN
fsr-3858	345	4	a.	a.	PROPN
fsr-3858	345	5	&	&	CCONJ
fsr-3858	345	6	widdows	widdows	PROPN
fsr-3858	345	7	,	,	PUNCT
fsr-3858	345	8	r.	r.	PROPN
fsr-3858	345	9	(	(	PUNCT
fsr-3858	345	10	1990	1990	NUM
fsr-3858	345	11	)	)	PUNCT
fsr-3858	345	12	.	.	PUNCT
fsr-3858	346	1	sensitivity	sensitivity	NOUN
fsr-3858	346	2	of	of	ADP
fsr-3858	346	3	a	a	DET
fsr-3858	346	4	retirement	retirement	NOUN
fsr-3858	346	5	analysis	analysis	NOUN
fsr-3858	346	6	framework	framework	NOUN
fsr-3858	346	7	to	to	ADP
fsr-3858	346	8	changes	change	NOUN
fsr-3858	346	9	in	in	ADP
fsr-3858	346	10	retirement	retirement	NOUN
fsr-3858	346	11	analysis	analysis	NOUN
fsr-3858	346	12	parameters.financial	parameters.financial	ADJ
fsr-3858	346	13	counseling	counseling	NOUN
fsr-3858	346	14	and	and	CCONJ
fsr-3858	346	15	planning	planning	NOUN
fsr-3858	346	16	1	1	NUM
fsr-3858	346	17	,	,	PUNCT
fsr-3858	346	18	71–91	71–91	NUM
fsr-3858	346	19	.	.	PUNCT
fsr-3858	347	1	crow	crow	PROPN
fsr-3858	347	2	,	,	PUNCT
fsr-3858	347	3	e.	e.	PROPN
fsr-3858	347	4	l.	l.	PROPN
fsr-3858	347	5	,	,	PUNCT
fsr-3858	347	6	&	&	CCONJ
fsr-3858	347	7	shimizu	shimizu	PROPN
fsr-3858	347	8	,	,	PUNCT
fsr-3858	347	9	k.	k.	PROPN
fsr-3858	347	10	(	(	PUNCT
fsr-3858	347	11	1988).lognormal	1988).lognormal	NUM
fsr-3858	347	12	distribution	distribution	NOUN
fsr-3858	347	13	.	.	PUNCT
fsr-3858	348	1	new	new	PROPN
fsr-3858	348	2	york	york	PROPN
fsr-3858	348	3	:	:	PUNCT
fsr-3858	348	4	marcel	marcel	PROPN
fsr-3858	348	5	dekker	dekker	PROPN
fsr-3858	348	6	.	.	PUNCT
fsr-3858	349	1	duncan	duncan	PROPN
fsr-3858	349	2	,	,	PUNCT
fsr-3858	349	3	g.	g.	PROPN
fsr-3858	349	4	j.	j.	PROPN
fsr-3858	349	5	,	,	PUNCT
fsr-3858	349	6	mitchell	mitchell	PROPN
fsr-3858	349	7	,	,	PUNCT
fsr-3858	349	8	o.	o.	PROPN
fsr-3858	349	9	s.	s.	PROPN
fsr-3858	349	10	,	,	PUNCT
fsr-3858	349	11	&	&	CCONJ
fsr-3858	349	12	morgan	morgan	PROPN
fsr-3858	349	13	,	,	PUNCT
fsr-3858	349	14	j.	j.	PROPN
fsr-3858	349	15	n.	n.	PROPN
fsr-3858	349	16	(	(	PUNCT
fsr-3858	349	17	1984	1984	NUM
fsr-3858	349	18	)	)	PUNCT
fsr-3858	349	19	.	.	PUNCT
fsr-3858	350	1	a	a	DET
fsr-3858	350	2	framework	framework	NOUN
fsr-3858	350	3	for	for	ADP
fsr-3858	350	4	setting	set	VERB
fsr-3858	350	5	retirement	retirement	NOUN
fsr-3858	350	6	savings	saving	NOUN
fsr-3858	350	7	goals.journal	goals.journal	PROPN
fsr-3858	350	8	of	of	ADP
fsr-3858	350	9	consumer	consumer	NOUN
fsr-3858	350	10	affairs	affair	NOUN
fsr-3858	350	11	18(1	18(1	NOUN
fsr-3858	350	12	)	)	PUNCT
fsr-3858	350	13	,	,	PUNCT
fsr-3858	350	14	22–46	22–46	NUM
fsr-3858	350	15	.	.	PUNCT
fsr-3858	350	16	hatcher	hatcher	PROPN
fsr-3858	350	17	,	,	PUNCT
fsr-3858	350	18	c.	c.	PROPN
fsr-3858	350	19	b.	b.	PROPN
fsr-3858	350	20	(	(	PUNCT
fsr-3858	350	21	1997	1997	NUM
fsr-3858	350	22	)	)	PUNCT
fsr-3858	350	23	.	.	PUNCT
fsr-3858	351	1	a	a	DET
fsr-3858	351	2	model	model	NOUN
fsr-3858	351	3	of	of	ADP
fsr-3858	351	4	desired	desire	VERB
fsr-3858	351	5	wealth	wealth	NOUN
fsr-3858	351	6	at	at	ADP
fsr-3858	351	7	retirement.financial	retirement.financial	ADJ
fsr-3858	351	8	counseling	counseling	NOUN
fsr-3858	351	9	and	and	CCONJ
fsr-3858	351	10	planning	plan	VERB
fsr-3858	351	11	8(1	8(1	NOUN
fsr-3858	351	12	)	)	PUNCT
fsr-3858	351	13	,	,	PUNCT
fsr-3858	351	14	57–64	57–64	PROPN
fsr-3858	351	15	.	.	PUNCT
fsr-3858	351	16	ibbotson	ibbotson	PROPN
fsr-3858	351	17	associates	associates	PROPN
fsr-3858	351	18	.	.	PUNCT
fsr-3858	352	1	(	(	PUNCT
fsr-3858	352	2	1995).stocks	1995).stocks	NUM
fsr-3858	352	3	,	,	PUNCT
fsr-3858	352	4	bonds	bond	NOUN
fsr-3858	352	5	,	,	PUNCT
fsr-3858	352	6	bills	bill	NOUN
fsr-3858	352	7	,	,	PUNCT
fsr-3858	352	8	and	and	CCONJ
fsr-3858	352	9	inflation	inflation	NOUN
fsr-3858	352	10	yearbook	yearbook	NOUN
fsr-3858	352	11	.	.	PUNCT
fsr-3858	353	1	chicago	chicago	PROPN
fsr-3858	353	2	,	,	PUNCT
fsr-3858	353	3	il	il	PROPN
fsr-3858	353	4	:	:	PUNCT
fsr-3858	353	5	ibbotson	ibbotson	PROPN
fsr-3858	353	6	associates	associates	PROPN
fsr-3858	353	7	.	.	PUNCT
fsr-3858	354	1	ibbotson	ibbotson	PROPN
fsr-3858	354	2	,	,	PUNCT
fsr-3858	354	3	r.	r.	PROPN
fsr-3858	354	4	g.	g.	PROPN
fsr-3858	354	5	,	,	PUNCT
fsr-3858	354	6	&	&	CCONJ
fsr-3858	354	7	siegel	siegel	PROPN
fsr-3858	354	8	,	,	PUNCT
fsr-3858	354	9	l.	l.	PROPN
fsr-3858	354	10	b.	b.	PROPN
fsr-3858	354	11	(	(	PUNCT
fsr-3858	354	12	1984	1984	NUM
fsr-3858	354	13	)	)	PUNCT
fsr-3858	354	14	.	.	PUNCT
fsr-3858	355	1	real	real	ADJ
fsr-3858	355	2	estate	estate	NOUN
fsr-3858	355	3	returns	return	NOUN
fsr-3858	355	4	:	:	PUNCT
fsr-3858	355	5	a	a	DET
fsr-3858	355	6	comparison	comparison	NOUN
fsr-3858	355	7	with	with	ADP
fsr-3858	355	8	other	other	ADJ
fsr-3858	355	9	investments.areuea	investments.areuea	PROPN
fsr-3858	355	10	journal	journal	NOUN
fsr-3858	355	11	12(3	12(3	PROPN
fsr-3858	355	12	)	)	PUNCT
fsr-3858	355	13	,	,	PUNCT
fsr-3858	355	14	219–242	219–242	NUM
fsr-3858	355	15	.	.	PUNCT
fsr-3858	356	1	internal	internal	ADJ
fsr-3858	356	2	revenue	revenue	NOUN
fsr-3858	356	3	service	service	NOUN
fsr-3858	356	4	.	.	PUNCT
fsr-3858	357	1	(	(	PUNCT
fsr-3858	357	2	1998).how	1998).how	NUM
fsr-3858	357	3	to	to	PART
fsr-3858	357	4	use	use	VERB
fsr-3858	357	5	actuarial	actuarial	ADJ
fsr-3858	357	6	tables[online	tables[online	NOUN
fsr-3858	357	7	]	]	PUNCT
fsr-3858	357	8	.	.	PUNCT
fsr-3858	358	1	available	available	ADJ
fsr-3858	358	2	:	:	PUNCT
fsr-3858	358	3	http://www.irs.ustreas.gov/	http://www.irs.ustreas.gov/	PROPN
fsr-3858	358	4	prod	prod	PROPN
fsr-3858	358	5	/	/	SYM
fsr-3858	358	6	forms2pubs	forms2pubs	PROPN
fsr-3858	358	7	/	/	SYM
fsr-3858	358	8	graphics	graphic	NOUN
fsr-3858	358	9	.	.	PUNCT
fsr-3858	359	1	192	192	NUM
fsr-3858	359	2	y.	y.	PROPN
fsr-3858	359	3	yuh	yuh	PROPN
fsr-3858	359	4	et	et	PROPN
fsr-3858	359	5	al	al	PROPN
fsr-3858	359	6	.	.	PUNCT
fsr-3858	359	7	/	/	SYM
fsr-3858	359	8	financial	financial	ADJ
fsr-3858	359	9	services	service	NOUN
fsr-3858	359	10	review	review	VERB
fsr-3858	359	11	7	7	NUM
fsr-3858	359	12	(	(	PUNCT
fsr-3858	359	13	1998	1998	NUM
fsr-3858	359	14	)	)	PUNCT
fsr-3858	360	1	175–193	175–193	NUM
fsr-3858	360	2	kennickell	kennickell	NOUN
fsr-3858	360	3	,	,	PUNCT
fsr-3858	360	4	a.	a.	PROPN
fsr-3858	360	5	b.	b.	PROPN
fsr-3858	360	6	,	,	PUNCT
fsr-3858	360	7	starr	starr	PROPN
fsr-3858	360	8	-	-	PUNCT
fsr-3858	360	9	mccluer	mccluer	PROPN
fsr-3858	360	10	,	,	PUNCT
fsr-3858	360	11	m.	m.	NOUN
fsr-3858	360	12	,	,	PUNCT
fsr-3858	360	13	&	&	CCONJ
fsr-3858	360	14	sunde´n	sunde´n	PROPN
fsr-3858	360	15	,	,	PUNCT
fsr-3858	360	16	a.	a.	PROPN
fsr-3858	360	17	e.	e.	PROPN
fsr-3858	360	18	(	(	PUNCT
fsr-3858	360	19	1997	1997	NUM
fsr-3858	360	20	)	)	PUNCT
fsr-3858	360	21	.	.	PUNCT
fsr-3858	361	1	family	family	NOUN
fsr-3858	361	2	finances	finance	NOUN
fsr-3858	361	3	in	in	ADP
fsr-3858	361	4	the	the	DET
fsr-3858	361	5	u.s	u.s	PROPN
fsr-3858	361	6	.	.	PROPN
fsr-3858	361	7	:	:	PUNCT
fsr-3858	361	8	recent	recent	ADJ
fsr-3858	361	9	evidence	evidence	NOUN
fsr-3858	361	10	from	from	ADP
fsr-3858	361	11	the	the	DET
fsr-3858	361	12	survey	survey	NOUN
fsr-3858	361	13	of	of	ADP
fsr-3858	361	14	consumer	consumer	NOUN
fsr-3858	361	15	finances.federal	finances.federal	PROPN
fsr-3858	361	16	reserve	reserve	PROPN
fsr-3858	361	17	bulletin	bulletin	PROPN
fsr-3858	361	18	83(1	83(1	PROPN
fsr-3858	361	19	)	)	PUNCT
fsr-3858	361	20	,	,	PUNCT
fsr-3858	361	21	1–24	1–24	PROPN
fsr-3858	361	22	.	.	PUNCT
fsr-3858	362	1	li	li	PROPN
fsr-3858	362	2	,	,	PUNCT
fsr-3858	362	3	j.	j.	PROPN
fsr-3858	362	4	,	,	PUNCT
fsr-3858	362	5	montalto	montalto	PROPN
fsr-3858	362	6	,	,	PUNCT
fsr-3858	362	7	c.	c.	PROPN
fsr-3858	362	8	p.	p.	PROPN
fsr-3858	362	9	,	,	PUNCT
fsr-3858	362	10	&	&	CCONJ
fsr-3858	362	11	geistfeld	geistfeld	PROPN
fsr-3858	362	12	,	,	PUNCT
fsr-3858	362	13	l.	l.	PROPN
fsr-3858	362	14	v.	v.	PROPN
fsr-3858	362	15	(	(	PUNCT
fsr-3858	362	16	1996	1996	NUM
fsr-3858	362	17	)	)	PUNCT
fsr-3858	362	18	.	.	PUNCT
fsr-3858	363	1	determinants	determinant	NOUN
fsr-3858	363	2	of	of	ADP
fsr-3858	363	3	financial	financial	ADJ
fsr-3858	363	4	adequacy	adequacy	NOUN
fsr-3858	363	5	for	for	ADP
fsr-3858	363	6	retirement.financial	retirement.financial	ADJ
fsr-3858	363	7	counseling	counseling	NOUN
fsr-3858	363	8	and	and	CCONJ
fsr-3858	363	9	planning	plan	VERB
fsr-3858	363	10	7	7	NUM
fsr-3858	363	11	,	,	PUNCT
fsr-3858	363	12	39–48	39–48	NUM
fsr-3858	363	13	.	.	PUNCT
fsr-3858	364	1	mitchell	mitchell	PROPN
fsr-3858	364	2	,	,	PUNCT
fsr-3858	364	3	o.	o.	PROPN
fsr-3858	364	4	s.	s.	PROPN
fsr-3858	364	5	,	,	PUNCT
fsr-3858	364	6	&	&	CCONJ
fsr-3858	364	7	moore	moore	PROPN
fsr-3858	364	8	,	,	PUNCT
fsr-3858	364	9	j.	j.	PROPN
fsr-3858	364	10	f.	f.	PROPN
fsr-3858	364	11	(	(	PUNCT
fsr-3858	364	12	1997).retirement	1997).retirement	NUM
fsr-3858	364	13	wealth	wealth	NOUN
fsr-3858	364	14	accumulation	accumulation	NOUN
fsr-3858	364	15	and	and	CCONJ
fsr-3858	364	16	decumulation	decumulation	NOUN
fsr-3858	364	17	:	:	PUNCT
fsr-3858	364	18	new	new	ADJ
fsr-3858	364	19	developments	development	NOUN
fsr-3858	364	20	and	and	CCONJ
fsr-3858	364	21	outstanding	outstanding	ADJ
fsr-3858	364	22	opportunities	opportunity	NOUN
fsr-3858	364	23	.	.	PUNCT
fsr-3858	365	1	wharton	wharton	PROPN
fsr-3858	365	2	financial	financial	ADJ
fsr-3858	365	3	institutions	institution	NOUN
fsr-3858	365	4	center	center	VERB
fsr-3858	365	5	working	work	VERB
fsr-3858	365	6	paper	paper	NOUN
fsr-3858	365	7	97	97	NUM
fsr-3858	365	8	-	-	SYM
fsr-3858	365	9	12	12	NUM
fsr-3858	365	10	,	,	PUNCT
fsr-3858	365	11	the	the	DET
fsr-3858	365	12	wharton	wharton	PROPN
fsr-3858	365	13	school	school	NOUN
fsr-3858	365	14	of	of	ADP
fsr-3858	365	15	the	the	DET
fsr-3858	365	16	university	university	PROPN
fsr-3858	365	17	of	of	ADP
fsr-3858	365	18	pennsylvania	pennsylvania	PROPN
fsr-3858	365	19	,	,	PUNCT
fsr-3858	365	20	philadelphia	philadelphia	PROPN
fsr-3858	365	21	.	.	PUNCT
fsr-3858	366	1	modigliani	modigliani	PROPN
fsr-3858	366	2	,	,	PUNCT
fsr-3858	366	3	f.	f.	PROPN
fsr-3858	366	4	,	,	PUNCT
fsr-3858	366	5	&	&	CCONJ
fsr-3858	366	6	brumberg	brumberg	PROPN
fsr-3858	366	7	,	,	PUNCT
fsr-3858	366	8	r.	r.	PROPN
fsr-3858	366	9	(	(	PUNCT
fsr-3858	366	10	1954	1954	NUM
fsr-3858	366	11	)	)	PUNCT
fsr-3858	366	12	.	.	PUNCT
fsr-3858	367	1	utility	utility	NOUN
fsr-3858	367	2	analysis	analysis	NOUN
fsr-3858	367	3	and	and	CCONJ
fsr-3858	367	4	the	the	DET
fsr-3858	367	5	consumption	consumption	NOUN
fsr-3858	367	6	function	function	NOUN
fsr-3858	367	7	:	:	PUNCT
fsr-3858	367	8	an	an	DET
fsr-3858	367	9	interpretation	interpretation	NOUN
fsr-3858	367	10	of	of	ADP
fsr-3858	367	11	cross	cross	ADJ
fsr-3858	367	12	-	-	ADJ
fsr-3858	367	13	section	section	ADJ
fsr-3858	367	14	data	datum	NOUN
fsr-3858	367	15	.	.	PUNCT
fsr-3858	368	1	in	in	ADP
fsr-3858	368	2	k.	k.	PROPN
fsr-3858	368	3	kurihara	kurihara	PROPN
fsr-3858	368	4	(	(	PUNCT
fsr-3858	368	5	ed.),post	ed.),post	ADJ
fsr-3858	368	6	keynesian	keynesian	ADJ
fsr-3858	368	7	economics(pp	economics(pp	NOUN
fsr-3858	368	8	.	.	PUNCT
fsr-3858	369	1	388–446	388–446	NUM
fsr-3858	369	2	)	)	PUNCT
fsr-3858	369	3	.	.	PUNCT
fsr-3858	370	1	new	new	PROPN
fsr-3858	370	2	brunswick	brunswick	PROPN
fsr-3858	370	3	,	,	PUNCT
fsr-3858	370	4	nj	nj	PROPN
fsr-3858	370	5	:	:	PUNCT
fsr-3858	370	6	rutgers	rutgers	PROPN
fsr-3858	370	7	university	university	PROPN
fsr-3858	370	8	press	press	NOUN
fsr-3858	370	9	.	.	PUNCT
fsr-3858	370	10	montalto	montalto	PROPN
fsr-3858	370	11	,	,	PUNCT
fsr-3858	370	12	c.	c.	PROPN
fsr-3858	370	13	p.	p.	PROPN
fsr-3858	370	14	,	,	PUNCT
fsr-3858	370	15	&	&	CCONJ
fsr-3858	370	16	sung	sung	PROPN
fsr-3858	370	17	,	,	PUNCT
fsr-3858	370	18	j.	j.	PROPN
fsr-3858	370	19	(	(	PUNCT
fsr-3858	370	20	1996	1996	NUM
fsr-3858	370	21	)	)	PUNCT
fsr-3858	370	22	.	.	PUNCT
fsr-3858	371	1	multiple	multiple	ADJ
fsr-3858	371	2	imputation	imputation	NOUN
fsr-3858	371	3	in	in	ADP
fsr-3858	371	4	the	the	DET
fsr-3858	371	5	1992	1992	NUM
fsr-3858	371	6	survey	survey	NOUN
fsr-3858	371	7	of	of	ADP
fsr-3858	371	8	consumer	consumer	NOUN
fsr-3858	371	9	finances.financial	finances.financial	ADJ
fsr-3858	371	10	counseling	counseling	NOUN
fsr-3858	371	11	and	and	CCONJ
fsr-3858	371	12	planning	plan	VERB
fsr-3858	371	13	7	7	NUM
fsr-3858	371	14	,	,	PUNCT
fsr-3858	371	15	133–146	133–146	NUM
fsr-3858	371	16	.	.	PUNCT
fsr-3858	372	1	moore	moore	PROPN
fsr-3858	372	2	,	,	PUNCT
fsr-3858	372	3	j.	j.	PROPN
fsr-3858	372	4	f.	f.	PROPN
fsr-3858	372	5	,	,	PUNCT
fsr-3858	372	6	&	&	CCONJ
fsr-3858	372	7	mitchell	mitchell	PROPN
fsr-3858	372	8	,	,	PUNCT
fsr-3858	372	9	o.	o.	PROPN
fsr-3858	372	10	s.	s.	PROPN
fsr-3858	372	11	(	(	PUNCT
fsr-3858	372	12	1997).projected	1997).projecte	VERB
fsr-3858	372	13	retirement	retirement	NOUN
fsr-3858	372	14	wealth	wealth	NOUN
fsr-3858	372	15	and	and	CCONJ
fsr-3858	372	16	savings	saving	NOUN
fsr-3858	372	17	adequacy	adequacy	NOUN
fsr-3858	372	18	in	in	ADP
fsr-3858	372	19	the	the	DET
fsr-3858	372	20	health	health	NOUN
fsr-3858	372	21	and	and	CCONJ
fsr-3858	372	22	retirement	retirement	NOUN
fsr-3858	372	23	study	study	NOUN
fsr-3858	372	24	.	.	PUNCT
fsr-3858	373	1	pension	pension	NOUN
fsr-3858	373	2	research	research	NOUN
fsr-3858	373	3	council	council	PROPN
fsr-3858	373	4	working	working	PROPN
fsr-3858	373	5	paper	paper	PROPN
fsr-3858	373	6	98	98	NUM
fsr-3858	373	7	-	-	SYM
fsr-3858	373	8	1	1	NUM
fsr-3858	373	9	.	.	PUNCT
fsr-3858	374	1	the	the	DET
fsr-3858	374	2	wharton	wharton	PROPN
fsr-3858	374	3	school	school	NOUN
fsr-3858	374	4	of	of	ADP
fsr-3858	374	5	the	the	DET
fsr-3858	374	6	university	university	PROPN
fsr-3858	374	7	of	of	ADP
fsr-3858	374	8	pennsylvania	pennsylvania	PROPN
fsr-3858	374	9	,	,	PUNCT
fsr-3858	374	10	philadelphia	philadelphia	PROPN
fsr-3858	374	11	.	.	PUNCT
fsr-3858	375	1	palmer	palmer	PROPN
fsr-3858	375	2	,	,	PUNCT
fsr-3858	375	3	b.	b.	PROPN
fsr-3858	375	4	a.	a.	PROPN
fsr-3858	375	5	(	(	PUNCT
fsr-3858	375	6	1989	1989	NUM
fsr-3858	375	7	)	)	PUNCT
fsr-3858	375	8	.	.	PUNCT
fsr-3858	376	1	tax	tax	NOUN
fsr-3858	376	2	reform	reform	NOUN
fsr-3858	376	3	and	and	CCONJ
fsr-3858	376	4	retirement	retirement	NOUN
fsr-3858	376	5	income	income	NOUN
fsr-3858	376	6	replacement	replacement	NOUN
fsr-3858	376	7	ratios.the	ratios.the	DET
fsr-3858	376	8	journal	journal	NOUN
fsr-3858	376	9	of	of	ADP
fsr-3858	376	10	risk	risk	NOUN
fsr-3858	376	11	and	and	CCONJ
fsr-3858	376	12	insurance	insurance	NOUN
fsr-3858	376	13	56	56	NUM
fsr-3858	376	14	,	,	PUNCT
fsr-3858	376	15	702–725	702–725	NUM
fsr-3858	376	16	.	.	PUNCT
fsr-3858	376	17	palmer	palmer	PROPN
fsr-3858	376	18	,	,	PUNCT
fsr-3858	376	19	b.	b.	PROPN
fsr-3858	376	20	a.	a.	PROPN
fsr-3858	376	21	(	(	PUNCT
fsr-3858	376	22	1994	1994	NUM
fsr-3858	376	23	)	)	PUNCT
fsr-3858	376	24	.	.	PUNCT
fsr-3858	377	1	retirement	retirement	NOUN
fsr-3858	377	2	income	income	NOUN
fsr-3858	377	3	replacement	replacement	NOUN
fsr-3858	377	4	ratios	ratio	NOUN
fsr-3858	377	5	:	:	PUNCT
fsr-3858	377	6	an	an	DET
fsr-3858	377	7	update.benefits	update.benefits	NUM
fsr-3858	377	8	quarterly	quarterly	NOUN
fsr-3858	377	9	10(2	10(2	NUM
fsr-3858	377	10	)	)	PUNCT
fsr-3858	377	11	,	,	PUNCT
fsr-3858	377	12	59–75	59–75	NUM
fsr-3858	377	13	.	.	PUNCT
fsr-3858	378	1	rubin	rubin	PROPN
fsr-3858	378	2	,	,	PUNCT
fsr-3858	378	3	d.	d.	PROPN
fsr-3858	378	4	b.	b.	PROPN
fsr-3858	378	5	(	(	PUNCT
fsr-3858	378	6	1987).multiple	1987).multiple	NUM
fsr-3858	378	7	imputation	imputation	NOUN
fsr-3858	378	8	for	for	ADP
fsr-3858	378	9	nonresponse	nonresponse	NOUN
fsr-3858	378	10	in	in	ADP
fsr-3858	378	11	surveys	survey	NOUN
fsr-3858	378	12	.	.	PUNCT
fsr-3858	379	1	new	new	PROPN
fsr-3858	379	2	york	york	PROPN
fsr-3858	379	3	:	:	PUNCT
fsr-3858	379	4	wiley	wiley	PROPN
fsr-3858	379	5	.	.	PUNCT
fsr-3858	380	1	schulz	schulz	PROPN
fsr-3858	380	2	,	,	PUNCT
fsr-3858	380	3	j.	j.	PROPN
fsr-3858	380	4	h.	h.	PROPN
fsr-3858	380	5	(	(	PUNCT
fsr-3858	380	6	1992).the	1992).the	DET
fsr-3858	380	7	economics	economic	NOUN
fsr-3858	380	8	of	of	ADP
fsr-3858	380	9	aging	aging	NOUN
fsr-3858	380	10	.	.	PUNCT
fsr-3858	381	1	westport	westport	NOUN
fsr-3858	381	2	,	,	PUNCT
fsr-3858	381	3	ct	ct	PROPN
fsr-3858	381	4	:	:	PUNCT
fsr-3858	381	5	auburn	auburn	PROPN
fsr-3858	381	6	house	house	PROPN
fsr-3858	381	7	.	.	PUNCT
fsr-3858	382	1	social	social	ADJ
fsr-3858	382	2	security	security	NOUN
fsr-3858	382	3	administration	administration	NOUN
fsr-3858	382	4	.	.	PUNCT
fsr-3858	383	1	(	(	PUNCT
fsr-3858	383	2	1995).annual	1995).annual	NUM
fsr-3858	383	3	statistical	statistical	ADJ
fsr-3858	383	4	supplement	supplement	NOUN
fsr-3858	383	5	,	,	PUNCT
fsr-3858	383	6	1995	1995	NUM
fsr-3858	383	7	to	to	ADP
fsr-3858	383	8	the	the	DET
fsr-3858	383	9	social	social	ADJ
fsr-3858	383	10	security	security	NOUN
fsr-3858	383	11	bulletin	bulletin	NOUN
fsr-3858	383	12	.	.	PUNCT
fsr-3858	384	1	washington	washington	PROPN
fsr-3858	384	2	,	,	PUNCT
fsr-3858	384	3	dc	dc	PROPN
fsr-3858	384	4	:	:	PUNCT
fsr-3858	384	5	us	us	PROPN
fsr-3858	384	6	department	department	PROPN
fsr-3858	384	7	of	of	ADP
fsr-3858	384	8	health	health	PROPN
fsr-3858	384	9	and	and	CCONJ
fsr-3858	384	10	human	human	ADJ
fsr-3858	384	11	services	service	NOUN
fsr-3858	384	12	,	,	PUNCT
fsr-3858	384	13	social	social	ADJ
fsr-3858	384	14	security	security	NOUN
fsr-3858	384	15	administration	administration	NOUN
fsr-3858	384	16	.	.	PUNCT
fsr-3858	385	1	u.s	u.s	PROPN
fsr-3858	385	2	.	.	PROPN
fsr-3858	385	3	bureau	bureau	PROPN
fsr-3858	385	4	of	of	ADP
fsr-3858	385	5	labor	labor	PROPN
fsr-3858	385	6	statistics	statistic	NOUN
fsr-3858	385	7	.	.	PUNCT
fsr-3858	386	1	(	(	PUNCT
fsr-3858	386	2	1996).consumer	1996).consumer	NUM
fsr-3858	386	3	expenditure	expenditure	NOUN
fsr-3858	386	4	survey	survey	NOUN
fsr-3858	386	5	:	:	PUNCT
fsr-3858	386	6	1994	1994	NUM
fsr-3858	386	7	interview	interview	NOUN
fsr-3858	386	8	survey	survey	PROPN
fsr-3858	386	9	cd	cd	PROPN
fsr-3858	386	10	rom	rom	PROPN
fsr-3858	386	11	/	/	SYM
fsr-3858	386	12	public	public	ADJ
fsr-3858	386	13	use	use	NOUN
fsr-3858	386	14	tape	tape	NOUN
fsr-3858	386	15	documentation	documentation	NOUN
fsr-3858	386	16	.	.	PUNCT
fsr-3858	387	1	washington	washington	PROPN
fsr-3858	387	2	,	,	PUNCT
fsr-3858	387	3	dc	dc	PROPN
fsr-3858	387	4	:	:	PUNCT
fsr-3858	387	5	u.s	u.s	PROPN
fsr-3858	387	6	.	.	PROPN
fsr-3858	387	7	bureau	bureau	PROPN
fsr-3858	387	8	of	of	ADP
fsr-3858	387	9	labor	labor	PROPN
fsr-3858	387	10	statistics	statistic	NOUN
fsr-3858	387	11	.	.	PUNCT
fsr-3858	388	1	u.s	u.s	PROPN
fsr-3858	388	2	.	.	PROPN
fsr-3858	388	3	bureau	bureau	PROPN
fsr-3858	388	4	of	of	ADP
fsr-3858	388	5	the	the	DET
fsr-3858	388	6	census	census	NOUN
fsr-3858	388	7	.	.	PUNCT
fsr-3858	389	1	(	(	PUNCT
fsr-3858	389	2	1998	1998	NUM
fsr-3858	389	3	)	)	PUNCT
fsr-3858	389	4	.	.	PUNCT
fsr-3858	390	1	population	population	NOUN
fsr-3858	390	2	profile	profile	NOUN
fsr-3858	390	3	of	of	ADP
fsr-3858	390	4	the	the	DET
fsr-3858	390	5	united	united	PROPN
fsr-3858	390	6	states	states	PROPN
fsr-3858	390	7	1997.current	1997.current	NUM
fsr-3858	390	8	population	population	NOUN
fsr-3858	390	9	reports	report	NOUN
fsr-3858	390	10	,	,	PUNCT
fsr-3858	390	11	p23	p23	NOUN
fsr-3858	390	12	-	-	PUNCT
fsr-3858	390	13	194	194	NUM
fsr-3858	390	14	.	.	PUNCT
fsr-3858	391	1	washington	washington	PROPN
fsr-3858	391	2	,	,	PUNCT
fsr-3858	391	3	dc	dc	PROPN
fsr-3858	391	4	:	:	PUNCT
fsr-3858	391	5	u.s	u.s	PROPN
fsr-3858	391	6	.	.	PROPN
fsr-3858	391	7	government	government	NOUN
fsr-3858	391	8	printing	printing	NOUN
fsr-3858	391	9	office	office	NOUN
fsr-3858	391	10	.	.	PUNCT
fsr-3858	392	1	u.s	u.s	PROPN
fsr-3858	392	2	.	.	PROPN
fsr-3858	392	3	department	department	PROPN
fsr-3858	392	4	of	of	ADP
fsr-3858	392	5	commerce	commerce	PROPN
fsr-3858	392	6	.	.	PUNCT
fsr-3858	393	1	(	(	PUNCT
fsr-3858	393	2	1998	1998	NUM
fsr-3858	393	3	,	,	PUNCT
fsr-3858	393	4	november	november	PROPN
fsr-3858	393	5	3	3	NUM
fsr-3858	393	6	)	)	PUNCT
fsr-3858	393	7	.	.	PUNCT
fsr-3858	394	1	personal	personal	ADJ
fsr-3858	394	2	income	income	NOUN
fsr-3858	394	3	and	and	CCONJ
fsr-3858	394	4	outlays	outlay	NOUN
fsr-3858	394	5	:	:	PUNCT
fsr-3858	394	6	september	september	PROPN
fsr-3858	394	7	1998	1998	NUM
fsr-3858	394	8	,	,	PUNCT
fsr-3858	394	9	bea	bea	PROPN
fsr-3858	394	10	98	98	NUM
fsr-3858	394	11	-	-	SYM
fsr-3858	394	12	34	34	NUM
fsr-3858	394	13	.	.	PUNCT
fsr-3858	395	1	washington	washington	PROPN
fsr-3858	395	2	,	,	PUNCT
fsr-3858	395	3	dc	dc	PROPN
fsr-3858	395	4	:	:	PUNCT
fsr-3858	395	5	author	author	NOUN
fsr-3858	395	6	.	.	PUNCT
fsr-3858	396	1	u.s	u.s	PROPN
fsr-3858	396	2	.	.	PROPN
fsr-3858	396	3	general	general	ADJ
fsr-3858	396	4	accounting	accounting	PROPN
fsr-3858	396	5	office	office	NOUN
fsr-3858	396	6	.	.	PUNCT
fsr-3858	397	1	(	(	PUNCT
fsr-3858	397	2	1996	1996	NUM
fsr-3858	397	3	,	,	PUNCT
fsr-3858	397	4	october	october	PROPN
fsr-3858	397	5	3	3	NUM
fsr-3858	397	6	)	)	PUNCT
fsr-3858	397	7	.	.	PUNCT
fsr-3858	398	1	private	private	ADJ
fsr-3858	398	2	pensions	pension	NOUN
fsr-3858	398	3	:	:	PUNCT
fsr-3858	398	4	most	most	ADJ
fsr-3858	398	5	employers	employer	NOUN
fsr-3858	398	6	offer	offer	VERB
fsr-3858	398	7	pensions	pension	NOUN
fsr-3858	398	8	that	that	PRON
fsr-3858	398	9	use	use	VERB
fsr-3858	398	10	defined	define	VERB
fsr-3858	398	11	contribution	contribution	NOUN
fsr-3858	398	12	plans	plan	NOUN
fsr-3858	398	13	,	,	PUNCT
fsr-3858	398	14	ggd-97	ggd-97	PROPN
fsr-3858	398	15	-	-	PUNCT
fsr-3858	398	16	1	1	NUM
fsr-3858	398	17	.	.	PUNCT
fsr-3858	399	1	washington	washington	PROPN
fsr-3858	399	2	,	,	PUNCT
fsr-3858	399	3	dc	dc	PROPN
fsr-3858	399	4	:	:	PUNCT
fsr-3858	399	5	author	author	NOUN
fsr-3858	399	6	.	.	PUNCT
fsr-3858	400	1	yuh	yuh	PROPN
fsr-3858	400	2	,	,	PUNCT
fsr-3858	400	3	y.	y.	PROPN
fsr-3858	400	4	(	(	PUNCT
fsr-3858	400	5	1998	1998	NUM
fsr-3858	400	6	)	)	PUNCT
fsr-3858	400	7	.	.	PUNCT
fsr-3858	401	1	adequacy	adequacy	NOUN
fsr-3858	401	2	of	of	ADP
fsr-3858	401	3	preparation	preparation	NOUN
fsr-3858	401	4	for	for	ADP
fsr-3858	401	5	retirement	retirement	NOUN
fsr-3858	401	6	:	:	PUNCT
fsr-3858	401	7	mean	mean	VERB
fsr-3858	401	8	and	and	CCONJ
fsr-3858	401	9	pessimistic	pessimistic	ADJ
fsr-3858	401	10	case	case	NOUN
fsr-3858	401	11	projections	projection	NOUN
fsr-3858	401	12	.	.	PUNCT
fsr-3858	402	1	unpublished	unpublished	ADJ
fsr-3858	402	2	doctoral	doctoral	ADJ
fsr-3858	402	3	dissertation	dissertation	NOUN
fsr-3858	402	4	.	.	PUNCT
fsr-3858	403	1	the	the	DET
fsr-3858	403	2	ohio	ohio	PROPN
fsr-3858	403	3	state	state	PROPN
fsr-3858	403	4	university	university	PROPN
fsr-3858	403	5	,	,	PUNCT
fsr-3858	403	6	columbus	columbus	PROPN
fsr-3858	403	7	,	,	PUNCT
fsr-3858	403	8	oh	oh	INTJ
fsr-3858	403	9	.	.	PUNCT
fsr-3858	404	1	yuh	yuh	PROPN
fsr-3858	404	2	,	,	PUNCT
fsr-3858	404	3	y.	y.	PROPN
fsr-3858	404	4	,	,	PUNCT
fsr-3858	404	5	montalto	montalto	PROPN
fsr-3858	404	6	,	,	PUNCT
fsr-3858	404	7	c.	c.	PROPN
fsr-3858	404	8	p.	p.	PROPN
fsr-3858	404	9	,	,	PUNCT
fsr-3858	404	10	&	&	CCONJ
fsr-3858	404	11	hanna	hanna	PROPN
fsr-3858	404	12	,	,	PUNCT
fsr-3858	404	13	s.	s.	PROPN
fsr-3858	404	14	(	(	PUNCT
fsr-3858	404	15	1998	1998	NUM
fsr-3858	404	16	)	)	PUNCT
fsr-3858	404	17	.	.	PUNCT
fsr-3858	405	1	are	be	AUX
fsr-3858	405	2	americans	americans	PROPN
fsr-3858	405	3	prepared	prepare	VERB
fsr-3858	405	4	for	for	ADP
fsr-3858	405	5	retirement?financial	retirement?financial	PROPN
fsr-3858	405	6	counseling	counseling	NOUN
fsr-3858	405	7	and	and	CCONJ
fsr-3858	405	8	planning	planning	NOUN
fsr-3858	405	9	9(1	9(1	NUM
fsr-3858	405	10	)	)	PUNCT
fsr-3858	405	11	,	,	PUNCT
fsr-3858	405	12	1–12	1–12	NOUN
fsr-3858	405	13	.	.	PUNCT
fsr-3858	406	1	193y	193y	PROPN
fsr-3858	406	2	.	.	PUNCT
fsr-3858	407	1	yuh	yuh	PROPN
fsr-3858	407	2	et	et	PROPN
fsr-3858	407	3	al	al	PROPN
fsr-3858	407	4	.	.	PUNCT
fsr-3858	407	5	/	/	SYM
fsr-3858	407	6	financial	financial	ADJ
fsr-3858	407	7	services	service	NOUN
fsr-3858	407	8	review	review	VERB
fsr-3858	407	9	7	7	NUM
fsr-3858	407	10	(	(	PUNCT
fsr-3858	407	11	1998	1998	NUM
fsr-3858	407	12	)	)	PUNCT
fsr-3858	408	1	175–193	175–193	NUM