id	sid	tid	token	lemma	pos
fsr-3874	1	1	pii	pii	PROPN
fsr-3874	1	2	:	:	PUNCT
fsr-3874	1	3	s1057	s1057	NOUN
fsr-3874	1	4	-	-	PUNCT
fsr-3874	1	5	0810(99)00030	0810(99)00030	NOUN
fsr-3874	1	6	-	-	PUNCT
fsr-3874	1	7	x	x	NOUN
fsr-3874	1	8	gender	gender	NOUN
fsr-3874	1	9	differences	difference	NOUN
fsr-3874	1	10	in	in	ADP
fsr-3874	1	11	defined	define	VERB
fsr-3874	1	12	contribution	contribution	NOUN
fsr-3874	1	13	pension	pension	NOUN
fsr-3874	1	14	decisions	decision	NOUN
fsr-3874	1	15	vickie	vickie	PROPN
fsr-3874	1	16	l.	l.	PROPN
fsr-3874	1	17	bajtelsmita	bajtelsmita	PROPN
fsr-3874	1	18	,	,	PUNCT
fsr-3874	1	19	alexandra	alexandra	PROPN
fsr-3874	1	20	bernasekb	bernasekb	PROPN
fsr-3874	1	21	,	,	PUNCT
fsr-3874	1	22	nancy	nancy	PROPN
fsr-3874	1	23	a.	a.	PROPN
fsr-3874	1	24	jianakoplosb	jianakoplosb	PROPN
fsr-3874	1	25	adepartment	adepartment	PROPN
fsr-3874	1	26	of	of	ADP
fsr-3874	1	27	finance	finance	NOUN
fsr-3874	1	28	and	and	CCONJ
fsr-3874	1	29	real	real	ADJ
fsr-3874	1	30	estate	estate	NOUN
fsr-3874	1	31	,	,	PUNCT
fsr-3874	1	32	colorado	colorado	PROPN
fsr-3874	1	33	state	state	PROPN
fsr-3874	1	34	university	university	PROPN
fsr-3874	1	35	,	,	PUNCT
fsr-3874	1	36	fort	fort	PROPN
fsr-3874	1	37	collins	collins	PROPN
fsr-3874	1	38	,	,	PUNCT
fsr-3874	1	39	co	co	NOUN
fsr-3874	1	40	80523	80523	NUM
fsr-3874	1	41	,	,	PUNCT
fsr-3874	1	42	usa	usa	PROPN
fsr-3874	1	43	bdepartment	bdepartment	NOUN
fsr-3874	1	44	of	of	ADP
fsr-3874	1	45	economics	economic	NOUN
fsr-3874	1	46	,	,	PUNCT
fsr-3874	1	47	colorado	colorado	PROPN
fsr-3874	1	48	state	state	PROPN
fsr-3874	1	49	university	university	PROPN
fsr-3874	1	50	,	,	PUNCT
fsr-3874	1	51	fort	fort	PROPN
fsr-3874	1	52	collins	collins	PROPN
fsr-3874	1	53	,	,	PUNCT
fsr-3874	1	54	co	co	NOUN
fsr-3874	1	55	80523	80523	NUM
fsr-3874	1	56	,	,	PUNCT
fsr-3874	1	57	usa	usa	PROPN
fsr-3874	1	58	abstract	abstract	PROPN
fsr-3874	1	59	this	this	DET
fsr-3874	1	60	paper	paper	NOUN
fsr-3874	1	61	considers	consider	VERB
fsr-3874	1	62	gender	gender	NOUN
fsr-3874	1	63	differences	difference	NOUN
fsr-3874	1	64	in	in	ADP
fsr-3874	1	65	allocation	allocation	NOUN
fsr-3874	1	66	of	of	ADP
fsr-3874	1	67	household	household	NOUN
fsr-3874	1	68	wealth	wealth	NOUN
fsr-3874	1	69	to	to	ADP
fsr-3874	1	70	defined	define	VERB
fsr-3874	1	71	contribution	contribution	NOUN
fsr-3874	1	72	pensions	pension	NOUN
fsr-3874	1	73	.	.	PUNCT
fsr-3874	2	1	using	use	VERB
fsr-3874	2	2	data	datum	NOUN
fsr-3874	2	3	from	from	ADP
fsr-3874	2	4	the	the	DET
fsr-3874	2	5	1989survey	1989survey	NOUN
fsr-3874	2	6	of	of	ADP
fsr-3874	2	7	consumer	consumer	NOUN
fsr-3874	2	8	finances	finance	NOUN
fsr-3874	2	9	,	,	PUNCT
fsr-3874	2	10	we	we	PRON
fsr-3874	2	11	estimate	estimate	VERB
fsr-3874	2	12	the	the	DET
fsr-3874	2	13	coefficient	coefficient	NOUN
fsr-3874	2	14	of	of	ADP
fsr-3874	2	15	relative	relative	ADJ
fsr-3874	2	16	risk	risk	NOUN
fsr-3874	2	17	aversion	aversion	NOUN
fsr-3874	2	18	based	base	VERB
fsr-3874	2	19	on	on	ADP
fsr-3874	2	20	the	the	DET
fsr-3874	2	21	allocation	allocation	NOUN
fsr-3874	2	22	of	of	ADP
fsr-3874	2	23	wealth	wealth	NOUN
fsr-3874	2	24	into	into	ADP
fsr-3874	2	25	defined	define	VERB
fsr-3874	2	26	contribution	contribution	NOUN
fsr-3874	2	27	pensions	pension	NOUN
fsr-3874	2	28	.	.	PUNCT
fsr-3874	3	1	unlike	unlike	ADP
fsr-3874	3	2	previous	previous	ADJ
fsr-3874	3	3	studies	study	NOUN
fsr-3874	3	4	,	,	PUNCT
fsr-3874	3	5	we	we	PRON
fsr-3874	3	6	consider	consider	VERB
fsr-3874	3	7	the	the	DET
fsr-3874	3	8	problem	problem	NOUN
fsr-3874	3	9	in	in	ADP
fsr-3874	3	10	the	the	DET
fsr-3874	3	11	context	context	NOUN
fsr-3874	3	12	of	of	ADP
fsr-3874	3	13	the	the	DET
fsr-3874	3	14	household	household	NOUN
fsr-3874	3	15	’s	’s	PART
fsr-3874	3	16	overall	overall	ADJ
fsr-3874	3	17	portfolio	portfolio	NOUN
fsr-3874	3	18	.	.	PUNCT
fsr-3874	4	1	we	we	PRON
fsr-3874	4	2	find	find	VERB
fsr-3874	4	3	that	that	SCONJ
fsr-3874	4	4	women	woman	NOUN
fsr-3874	4	5	exhibit	exhibit	VERB
fsr-3874	4	6	greater	great	ADJ
fsr-3874	4	7	relative	relative	ADJ
fsr-3874	4	8	risk	risk	NOUN
fsr-3874	4	9	aversion	aversion	NOUN
fsr-3874	4	10	in	in	ADP
fsr-3874	4	11	their	their	PRON
fsr-3874	4	12	allocation	allocation	NOUN
fsr-3874	4	13	of	of	ADP
fsr-3874	4	14	wealth	wealth	NOUN
fsr-3874	4	15	into	into	ADP
fsr-3874	4	16	defined	define	VERB
fsr-3874	4	17	contribution	contribution	NOUN
fsr-3874	4	18	pension	pension	NOUN
fsr-3874	4	19	assets	asset	NOUN
fsr-3874	4	20	.	.	PUNCT
fsr-3874	5	1	©	©	PROPN
fsr-3874	5	2	1999	1999	NUM
fsr-3874	5	3	elsevier	elsevier	PROPN
fsr-3874	5	4	science	science	PROPN
fsr-3874	5	5	inc	inc	PROPN
fsr-3874	5	6	.	.	PUNCT
fsr-3874	6	1	all	all	DET
fsr-3874	6	2	rights	right	NOUN
fsr-3874	6	3	reserved	reserve	VERB
fsr-3874	6	4	.	.	PUNCT
fsr-3874	7	1	jel	jel	PROPN
fsr-3874	7	2	classification	classification	NOUN
fsr-3874	7	3	:	:	PUNCT
fsr-3874	7	4	j16	j16	PROPN
fsr-3874	7	5	;	;	PUNCT
fsr-3874	7	6	g11	g11	X
fsr-3874	7	7	;	;	PUNCT
fsr-3874	7	8	g23	g23	NOUN
fsr-3874	7	9	keywords	keyword	NOUN
fsr-3874	7	10	:	:	PUNCT
fsr-3874	7	11	risk	risk	NOUN
fsr-3874	7	12	aversion	aversion	NOUN
fsr-3874	7	13	;	;	PUNCT
fsr-3874	7	14	pension	pension	NOUN
fsr-3874	7	15	;	;	PUNCT
fsr-3874	7	16	gender	gender	NOUN
fsr-3874	7	17	differences	difference	NOUN
fsr-3874	7	18	1	1	NUM
fsr-3874	7	19	.	.	PUNCT
fsr-3874	8	1	introduction	introduction	NOUN
fsr-3874	8	2	trends	trend	NOUN
fsr-3874	8	3	in	in	ADP
fsr-3874	8	4	employer	employer	NOUN
fsr-3874	8	5	provision	provision	NOUN
fsr-3874	8	6	of	of	ADP
fsr-3874	8	7	private	private	ADJ
fsr-3874	8	8	pensions	pension	NOUN
fsr-3874	8	9	show	show	VERB
fsr-3874	8	10	that	that	SCONJ
fsr-3874	8	11	defined	define	VERB
fsr-3874	8	12	contribution	contribution	NOUN
fsr-3874	8	13	pension	pension	NOUN
fsr-3874	8	14	plans	plan	NOUN
fsr-3874	8	15	are	be	AUX
fsr-3874	8	16	becoming	become	VERB
fsr-3874	8	17	increasingly	increasingly	ADV
fsr-3874	8	18	prevalent	prevalent	ADJ
fsr-3874	8	19	(	(	PUNCT
fsr-3874	8	20	gustman	gustman	NOUN
fsr-3874	8	21	and	and	CCONJ
fsr-3874	8	22	steinmeier	steinmeier	NOUN
fsr-3874	8	23	,	,	PUNCT
fsr-3874	8	24	1992	1992	NUM
fsr-3874	8	25	)	)	PUNCT
fsr-3874	8	26	.	.	PUNCT
fsr-3874	9	1	the	the	DET
fsr-3874	9	2	united	united	PROPN
fsr-3874	9	3	states	states	PROPN
fsr-3874	9	4	department	department	PROPN
fsr-3874	9	5	of	of	ADP
fsr-3874	9	6	labor	labor	NOUN
fsr-3874	9	7	(	(	PUNCT
fsr-3874	9	8	1997	1997	NUM
fsr-3874	9	9	)	)	PUNCT
fsr-3874	9	10	reports	report	VERB
fsr-3874	9	11	that	that	SCONJ
fsr-3874	9	12	the	the	DET
fsr-3874	9	13	number	number	NOUN
fsr-3874	9	14	of	of	ADP
fsr-3874	9	15	workers	worker	NOUN
fsr-3874	9	16	covered	cover	VERB
fsr-3874	9	17	by	by	ADP
fsr-3874	9	18	defined	define	VERB
fsr-3874	9	19	benefit	benefit	NOUN
fsr-3874	9	20	plans	plan	NOUN
fsr-3874	9	21	decreased	decrease	VERB
fsr-3874	9	22	by	by	ADP
fsr-3874	9	23	1.7	1.7	NUM
fsr-3874	9	24	million	million	NUM
fsr-3874	9	25	between	between	ADP
fsr-3874	9	26	1975	1975	NUM
fsr-3874	9	27	and	and	CCONJ
fsr-3874	9	28	1993	1993	NUM
fsr-3874	9	29	whereas	whereas	SCONJ
fsr-3874	9	30	the	the	DET
fsr-3874	9	31	number	number	NOUN
fsr-3874	9	32	covered	cover	VERB
fsr-3874	9	33	by	by	ADP
fsr-3874	9	34	defined	define	VERB
fsr-3874	9	35	contribution	contribution	NOUN
fsr-3874	9	36	plans	plan	NOUN
fsr-3874	9	37	increased	increase	VERB
fsr-3874	9	38	nearly	nearly	ADV
fsr-3874	9	39	300	300	NUM
fsr-3874	9	40	%	%	NOUN
fsr-3874	9	41	over	over	ADP
fsr-3874	9	42	that	that	DET
fsr-3874	9	43	same	same	ADJ
fsr-3874	9	44	period	period	NOUN
fsr-3874	9	45	to	to	ADP
fsr-3874	9	46	36.4	36.4	NUM
fsr-3874	9	47	million	million	NUM
fsr-3874	9	48	in	in	ADP
fsr-3874	9	49	1993	1993	NUM
fsr-3874	9	50	.	.	PUNCT
fsr-3874	10	1	bajtelsmit	bajtelsmit	NOUN
fsr-3874	10	2	and	and	CCONJ
fsr-3874	10	3	vanderhei	vanderhei	PROPN
fsr-3874	10	4	(	(	PUNCT
fsr-3874	10	5	1997	1997	NUM
fsr-3874	10	6	)	)	PUNCT
fsr-3874	10	7	summarize	summarize	VERB
fsr-3874	10	8	recent	recent	ADJ
fsr-3874	10	9	trends	trend	NOUN
fsr-3874	10	10	in	in	ADP
fsr-3874	10	11	pensions	pension	NOUN
fsr-3874	10	12	and	and	CCONJ
fsr-3874	10	13	conclude	conclude	VERB
fsr-3874	10	14	that	that	SCONJ
fsr-3874	10	15	an	an	DET
fsr-3874	10	16	increasing	increase	VERB
fsr-3874	10	17	percentage	percentage	NOUN
fsr-3874	10	18	of	of	ADP
fsr-3874	10	19	new	new	ADJ
fsr-3874	10	20	plans	plan	NOUN
fsr-3874	10	21	also	also	ADV
fsr-3874	10	22	require	require	VERB
fsr-3874	10	23	participants	participant	NOUN
fsr-3874	10	24	to	to	PART
fsr-3874	10	25	make	make	VERB
fsr-3874	10	26	their	their	PRON
fsr-3874	10	27	own	own	ADJ
fsr-3874	10	28	*	*	PUNCT
fsr-3874	10	29	corresponding	correspond	VERB
fsr-3874	10	30	author	author	NOUN
fsr-3874	10	31	.	.	PUNCT
fsr-3874	11	1	tel.:11	tel.:11	PROPN
fsr-3874	11	2	-	-	PUNCT
fsr-3874	11	3	970	970	NUM
fsr-3874	11	4	-	-	PUNCT
fsr-3874	11	5	491	491	NUM
fsr-3874	11	6	-	-	PUNCT
fsr-3874	11	7	0610	0610	NUM
fsr-3874	11	8	;	;	PUNCT
fsr-3874	11	9	fax:11	fax:11	NOUN
fsr-3874	11	10	-	-	PUNCT
fsr-3874	11	11	970	970	NUM
fsr-3874	11	12	-	-	PUNCT
fsr-3874	11	13	491	491	NUM
fsr-3874	11	14	-	-	NUM
fsr-3874	11	15	7665	7665	NUM
fsr-3874	11	16	.	.	PUNCT
fsr-3874	12	1	e	e	X
fsr-3874	12	2	-	-	NOUN
fsr-3874	12	3	mail	mail	NOUN
fsr-3874	12	4	address:vickieba@lamar.colostate.edu	address:vickieba@lamar.colostate.edu	NOUN
fsr-3874	12	5	(	(	PUNCT
fsr-3874	12	6	v.l	v.l	PROPN
fsr-3874	12	7	.	.	PROPN
fsr-3874	12	8	bajtelsmit	bajtelsmit	NOUN
fsr-3874	12	9	)	)	PUNCT
fsr-3874	12	10	financial	financial	ADJ
fsr-3874	12	11	services	service	NOUN
fsr-3874	12	12	review	review	VERB
fsr-3874	12	13	8	8	NUM
fsr-3874	12	14	(	(	PUNCT
fsr-3874	12	15	1999	1999	NUM
fsr-3874	12	16	)	)	PUNCT
fsr-3874	12	17	1–10	1–10	NOUN
fsr-3874	12	18	1057	1057	NUM
fsr-3874	12	19	-	-	SYM
fsr-3874	12	20	0810/99/$	0810/99/$	NUM
fsr-3874	12	21	–	–	PUNCT
fsr-3874	12	22	see	see	VERB
fsr-3874	12	23	front	front	ADJ
fsr-3874	12	24	matter	matter	NOUN
fsr-3874	13	1	©	©	PROPN
fsr-3874	13	2	1999	1999	NUM
fsr-3874	13	3	elsevier	elsevier	PROPN
fsr-3874	13	4	science	science	PROPN
fsr-3874	13	5	inc	inc	PROPN
fsr-3874	13	6	.	.	PUNCT
fsr-3874	14	1	all	all	DET
fsr-3874	14	2	rights	right	NOUN
fsr-3874	14	3	reserved	reserve	VERB
fsr-3874	14	4	.	.	PUNCT
fsr-3874	15	1	pii	pii	NOUN
fsr-3874	15	2	:	:	PUNCT
fsr-3874	15	3	s1057	s1057	NOUN
fsr-3874	15	4	-	-	PUNCT
fsr-3874	15	5	0810(99)00030	0810(99)00030	NOUN
fsr-3874	15	6	-	-	PUNCT
fsr-3874	15	7	x	x	NOUN
fsr-3874	15	8	investment	investment	NOUN
fsr-3874	15	9	decisions	decision	NOUN
fsr-3874	15	10	.	.	PUNCT
fsr-3874	16	1	although	although	SCONJ
fsr-3874	16	2	investment	investment	NOUN
fsr-3874	16	3	choice	choice	NOUN
fsr-3874	16	4	is	be	AUX
fsr-3874	16	5	arguably	arguably	ADV
fsr-3874	16	6	a	a	DET
fsr-3874	16	7	source	source	NOUN
fsr-3874	16	8	of	of	ADP
fsr-3874	16	9	empowerment	empowerment	NOUN
fsr-3874	16	10	,	,	PUNCT
fsr-3874	16	11	increasing	increase	VERB
fsr-3874	16	12	evidence	evidence	NOUN
fsr-3874	16	13	that	that	SCONJ
fsr-3874	16	14	individuals	individual	NOUN
fsr-3874	16	15	tend	tend	VERB
fsr-3874	16	16	to	to	PART
fsr-3874	16	17	choose	choose	VERB
fsr-3874	16	18	conservative	conservative	ADJ
fsr-3874	16	19	investment	investment	NOUN
fsr-3874	16	20	strategies	strategy	NOUN
fsr-3874	16	21	for	for	ADP
fsr-3874	16	22	self	self	NOUN
fsr-3874	16	23	-	-	PUNCT
fsr-3874	16	24	directed	direct	VERB
fsr-3874	16	25	accounts	account	NOUN
fsr-3874	16	26	raises	raise	VERB
fsr-3874	16	27	questions	question	NOUN
fsr-3874	16	28	of	of	ADP
fsr-3874	16	29	whether	whether	SCONJ
fsr-3874	16	30	today	today	NOUN
fsr-3874	16	31	’s	’s	PART
fsr-3874	16	32	workforce	workforce	NOUN
fsr-3874	16	33	will	will	AUX
fsr-3874	16	34	retire	retire	VERB
fsr-3874	16	35	with	with	ADP
fsr-3874	16	36	significantly	significantly	ADV
fsr-3874	16	37	lower	low	ADJ
fsr-3874	16	38	pension	pension	NOUN
fsr-3874	16	39	benefits	benefit	NOUN
fsr-3874	16	40	than	than	ADP
fsr-3874	16	41	those	those	PRON
fsr-3874	16	42	that	that	PRON
fsr-3874	16	43	would	would	AUX
fsr-3874	16	44	have	have	AUX
fsr-3874	16	45	resulted	result	VERB
fsr-3874	16	46	from	from	ADP
fsr-3874	16	47	investment	investment	NOUN
fsr-3874	16	48	by	by	ADP
fsr-3874	16	49	professional	professional	ADJ
fsr-3874	16	50	pension	pension	NOUN
fsr-3874	16	51	managers	manager	NOUN
fsr-3874	16	52	.	.	PUNCT
fsr-3874	17	1	thus	thus	ADV
fsr-3874	17	2	this	this	DET
fsr-3874	17	3	trend	trend	NOUN
fsr-3874	17	4	has	have	VERB
fsr-3874	17	5	potentially	potentially	ADV
fsr-3874	17	6	serious	serious	ADJ
fsr-3874	17	7	implications	implication	NOUN
fsr-3874	17	8	for	for	ADP
fsr-3874	17	9	the	the	DET
fsr-3874	17	10	retirement	retirement	NOUN
fsr-3874	17	11	income	income	NOUN
fsr-3874	17	12	adequacy	adequacy	NOUN
fsr-3874	17	13	of	of	ADP
fsr-3874	17	14	american	american	ADJ
fsr-3874	17	15	workers	worker	NOUN
fsr-3874	17	16	.	.	PUNCT
fsr-3874	18	1	a	a	DET
fsr-3874	18	2	related	related	ADJ
fsr-3874	18	3	problem	problem	NOUN
fsr-3874	18	4	that	that	PRON
fsr-3874	18	5	has	have	AUX
fsr-3874	18	6	received	receive	VERB
fsr-3874	18	7	less	less	ADJ
fsr-3874	18	8	attention	attention	NOUN
fsr-3874	18	9	is	be	AUX
fsr-3874	18	10	the	the	DET
fsr-3874	18	11	impact	impact	NOUN
fsr-3874	18	12	of	of	ADP
fsr-3874	18	13	this	this	DET
fsr-3874	18	14	trend	trend	NOUN
fsr-3874	18	15	on	on	ADP
fsr-3874	18	16	women	woman	NOUN
fsr-3874	18	17	in	in	ADP
fsr-3874	18	18	retirement	retirement	NOUN
fsr-3874	18	19	.	.	PUNCT
fsr-3874	19	1	previous	previous	ADJ
fsr-3874	19	2	studies	study	NOUN
fsr-3874	19	3	have	have	AUX
fsr-3874	19	4	found	find	VERB
fsr-3874	19	5	that	that	SCONJ
fsr-3874	19	6	women	woman	NOUN
fsr-3874	19	7	display	display	VERB
fsr-3874	19	8	greater	great	ADJ
fsr-3874	19	9	risk	risk	NOUN
fsr-3874	19	10	aversion	aversion	NOUN
fsr-3874	19	11	in	in	ADP
fsr-3874	19	12	a	a	DET
fsr-3874	19	13	wide	wide	ADJ
fsr-3874	19	14	variety	variety	NOUN
fsr-3874	19	15	of	of	ADP
fsr-3874	19	16	activities	activity	NOUN
fsr-3874	19	17	,	,	PUNCT
fsr-3874	19	18	including	include	VERB
fsr-3874	19	19	smoking	smoking	NOUN
fsr-3874	19	20	,	,	PUNCT
fsr-3874	19	21	seat	seat	NOUN
fsr-3874	19	22	belt	belt	NOUN
fsr-3874	19	23	usage	usage	NOUN
fsr-3874	19	24	,	,	PUNCT
fsr-3874	19	25	and	and	CCONJ
fsr-3874	19	26	financial	financial	ADJ
fsr-3874	19	27	decision	decision	NOUN
fsr-3874	19	28	making	making	NOUN
fsr-3874	19	29	(	(	PUNCT
fsr-3874	19	30	hersch	hersch	PROPN
fsr-3874	19	31	,	,	PUNCT
fsr-3874	19	32	1996	1996	NUM
fsr-3874	19	33	;	;	PUNCT
fsr-3874	19	34	jianakoplos	jianakoplo	NOUN
fsr-3874	19	35	and	and	CCONJ
fsr-3874	19	36	bernasek	bernasek	PROPN
fsr-3874	19	37	,	,	PUNCT
fsr-3874	19	38	1998	1998	NUM
fsr-3874	19	39	;	;	PUNCT
fsr-3874	19	40	bajtelsmit	bajtelsmit	NOUN
fsr-3874	19	41	and	and	CCONJ
fsr-3874	19	42	bernasek	bernasek	NOUN
fsr-3874	19	43	,	,	PUNCT
fsr-3874	19	44	1996	1996	NUM
fsr-3874	19	45	)	)	PUNCT
fsr-3874	19	46	.	.	PUNCT
fsr-3874	20	1	there	there	PRON
fsr-3874	20	2	is	be	VERB
fsr-3874	20	3	also	also	ADV
fsr-3874	20	4	evidence	evidence	NOUN
fsr-3874	20	5	that	that	SCONJ
fsr-3874	20	6	women	woman	NOUN
fsr-3874	20	7	tend	tend	VERB
fsr-3874	20	8	to	to	PART
fsr-3874	20	9	exhibit	exhibit	VERB
fsr-3874	20	10	greater	great	ADJ
fsr-3874	20	11	risk	risk	NOUN
fsr-3874	20	12	aversion	aversion	NOUN
fsr-3874	20	13	within	within	ADP
fsr-3874	20	14	their	their	PRON
fsr-3874	20	15	defined	define	VERB
fsr-3874	20	16	contribution	contribution	NOUN
fsr-3874	20	17	plans	plan	NOUN
fsr-3874	20	18	(	(	PUNCT
fsr-3874	20	19	dcps	dcp	NOUN
fsr-3874	20	20	)	)	PUNCT
fsr-3874	20	21	(	(	PUNCT
fsr-3874	20	22	bajtelsmit	bajtelsmit	NOUN
fsr-3874	20	23	and	and	CCONJ
fsr-3874	20	24	vanderhei	vanderhei	PROPN
fsr-3874	20	25	,	,	PUNCT
fsr-3874	20	26	1997	1997	NUM
fsr-3874	20	27	;	;	PUNCT
fsr-3874	20	28	hinz	hinz	PROPN
fsr-3874	20	29	,	,	PUNCT
fsr-3874	20	30	mccarthy	mccarthy	PROPN
fsr-3874	20	31	and	and	CCONJ
fsr-3874	20	32	turner	turner	NOUN
fsr-3874	20	33	,	,	PUNCT
fsr-3874	20	34	1997	1997	NUM
fsr-3874	20	35	;	;	PUNCT
fsr-3874	20	36	sunden	sunden	ADJ
fsr-3874	20	37	and	and	CCONJ
fsr-3874	20	38	surette	surette	NOUN
fsr-3874	20	39	,	,	PUNCT
fsr-3874	20	40	1998	1998	NUM
fsr-3874	20	41	)	)	PUNCT
fsr-3874	20	42	.	.	PUNCT
fsr-3874	21	1	women	woman	NOUN
fsr-3874	21	2	’s	’s	PART
fsr-3874	21	3	greater	great	ADJ
fsr-3874	21	4	longevity	longevity	NOUN
fsr-3874	21	5	implies	imply	VERB
fsr-3874	21	6	that	that	SCONJ
fsr-3874	21	7	,	,	PUNCT
fsr-3874	21	8	even	even	ADV
fsr-3874	21	9	with	with	ADP
fsr-3874	21	10	the	the	DET
fsr-3874	21	11	same	same	ADJ
fsr-3874	21	12	investment	investment	NOUN
fsr-3874	21	13	strategy	strategy	NOUN
fsr-3874	21	14	and	and	CCONJ
fsr-3874	21	15	pension	pension	NOUN
fsr-3874	21	16	investment	investment	NOUN
fsr-3874	21	17	accumulation	accumulation	NOUN
fsr-3874	21	18	as	as	ADP
fsr-3874	21	19	men	man	NOUN
fsr-3874	21	20	,	,	PUNCT
fsr-3874	21	21	retirement	retirement	NOUN
fsr-3874	21	22	wealth	wealth	NOUN
fsr-3874	21	23	must	must	AUX
fsr-3874	21	24	support	support	VERB
fsr-3874	21	25	a	a	DET
fsr-3874	21	26	longer	long	ADJ
fsr-3874	21	27	period	period	NOUN
fsr-3874	21	28	of	of	ADP
fsr-3874	21	29	retirement	retirement	NOUN
fsr-3874	21	30	.	.	PUNCT
fsr-3874	22	1	thus	thus	ADV
fsr-3874	22	2	,	,	PUNCT
fsr-3874	22	3	all	all	PRON
fsr-3874	22	4	else	else	ADV
fsr-3874	22	5	,	,	PUNCT
fsr-3874	22	6	equal	equal	ADJ
fsr-3874	22	7	,	,	PUNCT
fsr-3874	22	8	consumption	consumption	NOUN
fsr-3874	22	9	in	in	ADP
fsr-3874	22	10	retirement	retirement	NOUN
fsr-3874	22	11	will	will	AUX
fsr-3874	22	12	be	be	AUX
fsr-3874	22	13	lower	low	ADJ
fsr-3874	22	14	for	for	ADP
fsr-3874	22	15	women	woman	NOUN
fsr-3874	22	16	.	.	PUNCT
fsr-3874	23	1	furthermore	furthermore	ADV
fsr-3874	23	2	,	,	PUNCT
fsr-3874	23	3	although	although	SCONJ
fsr-3874	23	4	the	the	DET
fsr-3874	23	5	pension	pension	NOUN
fsr-3874	23	6	gap	gap	NOUN
fsr-3874	23	7	between	between	ADP
fsr-3874	23	8	women	woman	NOUN
fsr-3874	23	9	and	and	CCONJ
fsr-3874	23	10	men	man	NOUN
fsr-3874	23	11	has	have	AUX
fsr-3874	23	12	closed	close	VERB
fsr-3874	23	13	more	more	ADV
fsr-3874	23	14	rapidly	rapidly	ADV
fsr-3874	23	15	than	than	ADP
fsr-3874	23	16	the	the	DET
fsr-3874	23	17	earnings	earning	NOUN
fsr-3874	23	18	gap	gap	NOUN
fsr-3874	23	19	,	,	PUNCT
fsr-3874	23	20	women	woman	NOUN
fsr-3874	23	21	still	still	ADV
fsr-3874	23	22	tend	tend	VERB
fsr-3874	23	23	to	to	PART
fsr-3874	23	24	have	have	VERB
fsr-3874	23	25	lower	low	ADJ
fsr-3874	23	26	coverage	coverage	NOUN
fsr-3874	23	27	,	,	PUNCT
fsr-3874	23	28	lower	low	ADJ
fsr-3874	23	29	participation	participation	NOUN
fsr-3874	23	30	rates	rate	NOUN
fsr-3874	23	31	,	,	PUNCT
fsr-3874	23	32	and	and	CCONJ
fsr-3874	23	33	lower	low	ADJ
fsr-3874	23	34	contribution	contribution	NOUN
fsr-3874	23	35	rates	rate	NOUN
fsr-3874	23	36	(	(	PUNCT
fsr-3874	23	37	magenheim	magenheim	PROPN
fsr-3874	23	38	,	,	PUNCT
fsr-3874	23	39	1993	1993	NUM
fsr-3874	23	40	)	)	PUNCT
fsr-3874	23	41	.	.	PUNCT
fsr-3874	24	1	this	this	DET
fsr-3874	24	2	paper	paper	NOUN
fsr-3874	24	3	differs	differ	VERB
fsr-3874	24	4	from	from	ADP
fsr-3874	24	5	previous	previous	ADJ
fsr-3874	24	6	studies	study	NOUN
fsr-3874	24	7	of	of	ADP
fsr-3874	24	8	gender	gender	NOUN
fsr-3874	24	9	differences	difference	NOUN
fsr-3874	24	10	in	in	ADP
fsr-3874	24	11	pension	pension	NOUN
fsr-3874	24	12	decisions	decision	NOUN
fsr-3874	24	13	by	by	ADP
fsr-3874	24	14	investigating	investigate	VERB
fsr-3874	24	15	pension	pension	NOUN
fsr-3874	24	16	allocations	allocation	NOUN
fsr-3874	24	17	within	within	ADP
fsr-3874	24	18	the	the	DET
fsr-3874	24	19	larger	large	ADJ
fsr-3874	24	20	context	context	NOUN
fsr-3874	24	21	of	of	ADP
fsr-3874	24	22	the	the	DET
fsr-3874	24	23	household	household	NOUN
fsr-3874	24	24	’s	’s	PART
fsr-3874	24	25	overall	overall	ADJ
fsr-3874	24	26	portfolio	portfolio	NOUN
fsr-3874	24	27	balance	balance	NOUN
fsr-3874	24	28	.	.	PUNCT
fsr-3874	25	1	the	the	DET
fsr-3874	25	2	studies	study	NOUN
fsr-3874	25	3	by	by	ADP
fsr-3874	25	4	bajtelsmit	bajtelsmit	NOUN
fsr-3874	25	5	and	and	CCONJ
fsr-3874	25	6	vanderhei	vanderhei	PROPN
fsr-3874	25	7	(	(	PUNCT
fsr-3874	25	8	1997	1997	NUM
fsr-3874	25	9	)	)	PUNCT
fsr-3874	25	10	and	and	CCONJ
fsr-3874	25	11	hinz	hinz	PROPN
fsr-3874	25	12	,	,	PUNCT
fsr-3874	25	13	et	et	PROPN
fsr-3874	25	14	al	al	PROPN
fsr-3874	25	15	.	.	PROPN
fsr-3874	25	16	(	(	PUNCT
fsr-3874	25	17	1997	1997	NUM
fsr-3874	25	18	)	)	PUNCT
fsr-3874	25	19	rely	rely	VERB
fsr-3874	25	20	on	on	ADP
fsr-3874	25	21	data	datum	NOUN
fsr-3874	25	22	from	from	ADP
fsr-3874	25	23	a	a	DET
fsr-3874	25	24	single	single	ADJ
fsr-3874	25	25	employer	employer	NOUN
fsr-3874	25	26	/	/	SYM
fsr-3874	25	27	provider	provider	NOUN
fsr-3874	25	28	.	.	PUNCT
fsr-3874	26	1	many	many	ADJ
fsr-3874	26	2	other	other	ADJ
fsr-3874	26	3	studies	study	NOUN
fsr-3874	26	4	of	of	ADP
fsr-3874	26	5	pension	pension	NOUN
fsr-3874	26	6	allocation	allocation	NOUN
fsr-3874	26	7	,	,	PUNCT
fsr-3874	26	8	such	such	ADJ
fsr-3874	26	9	as	as	ADP
fsr-3874	26	10	those	those	PRON
fsr-3874	26	11	conducted	conduct	VERB
fsr-3874	26	12	by	by	ADP
fsr-3874	26	13	pension	pension	NOUN
fsr-3874	26	14	plan	plan	NOUN
fsr-3874	26	15	providers	provider	NOUN
fsr-3874	26	16	(	(	PUNCT
fsr-3874	26	17	e.g.	e.g.	ADV
fsr-3874	26	18	,	,	PUNCT
fsr-3874	26	19	goodfellow	goodfellow	NOUN
fsr-3874	26	20	and	and	CCONJ
fsr-3874	26	21	schieber	schieber	NOUN
fsr-3874	26	22	,	,	PUNCT
fsr-3874	26	23	1997	1997	NUM
fsr-3874	26	24	)	)	PUNCT
fsr-3874	26	25	,	,	PUNCT
fsr-3874	26	26	are	be	AUX
fsr-3874	26	27	flawed	flaw	VERB
fsr-3874	26	28	in	in	ADP
fsr-3874	26	29	that	that	SCONJ
fsr-3874	26	30	the	the	DET
fsr-3874	26	31	researchers	researcher	NOUN
fsr-3874	26	32	lack	lack	VERB
fsr-3874	26	33	complete	complete	ADJ
fsr-3874	26	34	information	information	NOUN
fsr-3874	26	35	on	on	ADP
fsr-3874	26	36	the	the	DET
fsr-3874	26	37	household	household	NOUN
fsr-3874	26	38	.	.	PUNCT
fsr-3874	27	1	for	for	ADP
fsr-3874	27	2	example	example	NOUN
fsr-3874	27	3	,	,	PUNCT
fsr-3874	27	4	a	a	DET
fsr-3874	27	5	conservative	conservative	ADJ
fsr-3874	27	6	pension	pension	NOUN
fsr-3874	27	7	portfolio	portfolio	NOUN
fsr-3874	27	8	might	might	AUX
fsr-3874	27	9	be	be	AUX
fsr-3874	27	10	part	part	NOUN
fsr-3874	27	11	of	of	ADP
fsr-3874	27	12	an	an	DET
fsr-3874	27	13	overall	overall	ADJ
fsr-3874	27	14	portfolio	portfolio	NOUN
fsr-3874	27	15	that	that	PRON
fsr-3874	27	16	includes	include	VERB
fsr-3874	27	17	investment	investment	NOUN
fsr-3874	27	18	in	in	ADP
fsr-3874	27	19	a	a	DET
fsr-3874	27	20	risky	risky	ADJ
fsr-3874	27	21	privately	privately	ADV
fsr-3874	27	22	-	-	PUNCT
fsr-3874	27	23	held	hold	VERB
fsr-3874	27	24	business	business	NOUN
fsr-3874	27	25	or	or	CCONJ
fsr-3874	27	26	a	a	DET
fsr-3874	27	27	small	small	ADJ
fsr-3874	27	28	stock	stock	NOUN
fsr-3874	27	29	mutual	mutual	ADJ
fsr-3874	27	30	fund	fund	NOUN
fsr-3874	27	31	.	.	PUNCT
fsr-3874	28	1	a	a	DET
fsr-3874	28	2	similar	similar	ADJ
fsr-3874	28	3	problem	problem	NOUN
fsr-3874	28	4	arises	arise	VERB
fsr-3874	28	5	when	when	SCONJ
fsr-3874	28	6	the	the	DET
fsr-3874	28	7	researcher	researcher	NOUN
fsr-3874	28	8	considers	consider	VERB
fsr-3874	28	9	individual	individual	ADJ
fsr-3874	28	10	investment	investment	NOUN
fsr-3874	28	11	portfolios	portfolio	NOUN
fsr-3874	28	12	in	in	ADP
fsr-3874	28	13	isolation	isolation	NOUN
fsr-3874	28	14	because	because	SCONJ
fsr-3874	28	15	many	many	ADJ
fsr-3874	28	16	households	household	NOUN
fsr-3874	28	17	may	may	AUX
fsr-3874	28	18	pool	pool	VERB
fsr-3874	28	19	their	their	PRON
fsr-3874	28	20	resources	resource	NOUN
fsr-3874	28	21	.	.	PUNCT
fsr-3874	29	1	one	one	NUM
fsr-3874	29	2	spouse	spouse	NOUN
fsr-3874	29	3	may	may	AUX
fsr-3874	29	4	have	have	VERB
fsr-3874	29	5	a	a	DET
fsr-3874	29	6	conservative	conservative	ADJ
fsr-3874	29	7	pension	pension	NOUN
fsr-3874	29	8	portfolio	portfolio	NOUN
fsr-3874	29	9	when	when	SCONJ
fsr-3874	29	10	the	the	DET
fsr-3874	29	11	other	other	ADJ
fsr-3874	29	12	spouse	spouse	NOUN
fsr-3874	29	13	has	have	VERB
fsr-3874	29	14	their	their	PRON
fsr-3874	29	15	pension	pension	NOUN
fsr-3874	29	16	invested	invest	VERB
fsr-3874	29	17	in	in	ADP
fsr-3874	29	18	risky	risky	ADJ
fsr-3874	29	19	assets	asset	NOUN
fsr-3874	29	20	such	such	ADJ
fsr-3874	29	21	that	that	SCONJ
fsr-3874	29	22	the	the	DET
fsr-3874	29	23	overall	overall	ADJ
fsr-3874	29	24	household	household	NOUN
fsr-3874	29	25	portfolio	portfolio	NOUN
fsr-3874	29	26	is	be	AUX
fsr-3874	29	27	more	more	ADV
fsr-3874	29	28	diversified	diversified	ADJ
fsr-3874	29	29	than	than	SCONJ
fsr-3874	29	30	it	it	PRON
fsr-3874	29	31	would	would	AUX
fsr-3874	29	32	appear	appear	VERB
fsr-3874	29	33	by	by	ADP
fsr-3874	29	34	considering	consider	VERB
fsr-3874	29	35	each	each	PRON
fsr-3874	29	36	in	in	ADP
fsr-3874	29	37	isolation	isolation	NOUN
fsr-3874	29	38	.	.	PUNCT
fsr-3874	30	1	jianakoplos	jianakoplo	NOUN
fsr-3874	30	2	and	and	CCONJ
fsr-3874	30	3	bernasek	bernasek	PROPN
fsr-3874	30	4	(	(	PUNCT
fsr-3874	30	5	1998	1998	NUM
fsr-3874	30	6	)	)	PUNCT
fsr-3874	30	7	,	,	PUNCT
fsr-3874	30	8	investigating	investigate	VERB
fsr-3874	30	9	gender	gender	NOUN
fsr-3874	30	10	differences	difference	NOUN
fsr-3874	30	11	in	in	ADP
fsr-3874	30	12	financial	financial	ADJ
fsr-3874	30	13	risk	risk	NOUN
fsr-3874	30	14	taking	taking	NOUN
fsr-3874	30	15	,	,	PUNCT
fsr-3874	30	16	find	find	VERB
fsr-3874	30	17	that	that	SCONJ
fsr-3874	30	18	demographic	demographic	ADJ
fsr-3874	30	19	and	and	CCONJ
fsr-3874	30	20	household	household	NOUN
fsr-3874	30	21	variables	variable	NOUN
fsr-3874	30	22	are	be	AUX
fsr-3874	30	23	highly	highly	ADV
fsr-3874	30	24	significant	significant	ADJ
fsr-3874	30	25	determinants	determinant	NOUN
fsr-3874	30	26	of	of	ADP
fsr-3874	30	27	risky	risky	ADJ
fsr-3874	30	28	decision	decision	NOUN
fsr-3874	30	29	making	making	NOUN
fsr-3874	30	30	.	.	PUNCT
fsr-3874	31	1	the	the	DET
fsr-3874	31	2	paper	paper	NOUN
fsr-3874	31	3	proceeds	proceed	NOUN
fsr-3874	31	4	as	as	SCONJ
fsr-3874	31	5	follows	follow	VERB
fsr-3874	31	6	.	.	PUNCT
fsr-3874	32	1	section	section	NOUN
fsr-3874	32	2	2	2	NUM
fsr-3874	32	3	explains	explain	VERB
fsr-3874	32	4	the	the	DET
fsr-3874	32	5	theoretical	theoretical	ADJ
fsr-3874	32	6	models	model	NOUN
fsr-3874	32	7	underlying	underlie	VERB
fsr-3874	32	8	our	our	PRON
fsr-3874	32	9	estimation	estimation	NOUN
fsr-3874	32	10	of	of	ADP
fsr-3874	32	11	relative	relative	ADJ
fsr-3874	32	12	risk	risk	NOUN
fsr-3874	32	13	aversion	aversion	NOUN
fsr-3874	32	14	.	.	PUNCT
fsr-3874	33	1	in	in	ADP
fsr-3874	33	2	section	section	NOUN
fsr-3874	33	3	3	3	NUM
fsr-3874	33	4	we	we	PRON
fsr-3874	33	5	explain	explain	VERB
fsr-3874	33	6	the	the	DET
fsr-3874	33	7	empirical	empirical	ADJ
fsr-3874	33	8	methodology	methodology	NOUN
fsr-3874	33	9	and	and	CCONJ
fsr-3874	33	10	provide	provide	VERB
fsr-3874	33	11	the	the	DET
fsr-3874	33	12	results	result	NOUN
fsr-3874	33	13	of	of	ADP
fsr-3874	33	14	the	the	DET
fsr-3874	33	15	estimations	estimation	NOUN
fsr-3874	33	16	.	.	PUNCT
fsr-3874	34	1	finally	finally	ADV
fsr-3874	34	2	,	,	PUNCT
fsr-3874	34	3	conclusions	conclusion	NOUN
fsr-3874	34	4	and	and	CCONJ
fsr-3874	34	5	policy	policy	NOUN
fsr-3874	34	6	implications	implication	NOUN
fsr-3874	34	7	are	be	AUX
fsr-3874	34	8	given	give	VERB
fsr-3874	34	9	in	in	ADP
fsr-3874	34	10	section	section	NOUN
fsr-3874	34	11	4	4	NUM
fsr-3874	34	12	.	.	NOUN
fsr-3874	34	13	2	2	NUM
fsr-3874	34	14	.	.	X
fsr-3874	34	15	measurement	measurement	NOUN
fsr-3874	34	16	of	of	ADP
fsr-3874	34	17	risk	risk	NOUN
fsr-3874	34	18	aversion	aversion	NOUN
fsr-3874	34	19	under	under	ADP
fsr-3874	34	20	expected	expect	VERB
fsr-3874	34	21	utility	utility	NOUN
fsr-3874	34	22	theory	theory	NOUN
fsr-3874	34	23	,	,	PUNCT
fsr-3874	34	24	the	the	DET
fsr-3874	34	25	dollar	dollar	NOUN
fsr-3874	34	26	amount	amount	NOUN
fsr-3874	34	27	and	and	CCONJ
fsr-3874	34	28	proportion	proportion	NOUN
fsr-3874	34	29	of	of	ADP
fsr-3874	34	30	risky	risky	ADJ
fsr-3874	34	31	assets	asset	NOUN
fsr-3874	34	32	in	in	ADP
fsr-3874	34	33	an	an	DET
fsr-3874	34	34	investor	investor	NOUN
fsr-3874	34	35	’s	’s	PART
fsr-3874	34	36	portfolio	portfolio	NOUN
fsr-3874	34	37	are	be	AUX
fsr-3874	34	38	a	a	DET
fsr-3874	34	39	function	function	NOUN
fsr-3874	34	40	of	of	ADP
fsr-3874	34	41	wealth	wealth	NOUN
fsr-3874	34	42	and	and	CCONJ
fsr-3874	34	43	individual	individual	ADJ
fsr-3874	34	44	risk	risk	NOUN
fsr-3874	34	45	preferences	preference	NOUN
fsr-3874	34	46	.	.	PUNCT
fsr-3874	35	1	the	the	DET
fsr-3874	35	2	relationship	relationship	NOUN
fsr-3874	35	3	between	between	ADP
fsr-3874	35	4	risk	risk	NOUN
fsr-3874	35	5	preferences	preference	NOUN
fsr-3874	35	6	and	and	CCONJ
fsr-3874	35	7	wealth	wealth	NOUN
fsr-3874	35	8	was	be	AUX
fsr-3874	35	9	further	far	ADV
fsr-3874	35	10	developed	develop	VERB
fsr-3874	35	11	by	by	ADP
fsr-3874	35	12	pratt	pratt	PROPN
fsr-3874	35	13	(	(	PUNCT
fsr-3874	35	14	1964	1964	NUM
fsr-3874	35	15	)	)	PUNCT
fsr-3874	35	16	and	and	CCONJ
fsr-3874	35	17	arrow	arrow	NOUN
fsr-3874	35	18	2	2	NUM
fsr-3874	35	19	v.l	v.l	PROPN
fsr-3874	35	20	.	.	PROPN
fsr-3874	35	21	bajtelsmit	bajtelsmit	PROPN
fsr-3874	35	22	et	et	PROPN
fsr-3874	35	23	al	al	PROPN
fsr-3874	35	24	.	.	PUNCT
fsr-3874	35	25	/	/	SYM
fsr-3874	35	26	financial	financial	ADJ
fsr-3874	35	27	services	service	NOUN
fsr-3874	35	28	review	review	VERB
fsr-3874	35	29	8	8	NUM
fsr-3874	35	30	(	(	PUNCT
fsr-3874	35	31	1999	1999	NUM
fsr-3874	35	32	)	)	PUNCT
fsr-3874	35	33	1–10	1–10	NOUN
fsr-3874	35	34	(	(	PUNCT
fsr-3874	35	35	1971	1971	NUM
fsr-3874	35	36	)	)	PUNCT
fsr-3874	35	37	,	,	PUNCT
fsr-3874	35	38	who	who	PRON
fsr-3874	35	39	define	define	VERB
fsr-3874	35	40	measures	measure	NOUN
fsr-3874	35	41	of	of	ADP
fsr-3874	35	42	absolute	absolute	ADJ
fsr-3874	35	43	risk	risk	NOUN
fsr-3874	35	44	aversion	aversion	NOUN
fsr-3874	35	45	(	(	PUNCT
fsr-3874	35	46	change	change	NOUN
fsr-3874	35	47	in	in	ADP
fsr-3874	35	48	dollar	dollar	NOUN
fsr-3874	35	49	allocation	allocation	NOUN
fsr-3874	35	50	to	to	ADP
fsr-3874	35	51	risky	risky	ADJ
fsr-3874	35	52	assets	asset	NOUN
fsr-3874	35	53	as	as	ADP
fsr-3874	35	54	wealth	wealth	NOUN
fsr-3874	35	55	increases	increase	NOUN
fsr-3874	35	56	)	)	PUNCT
fsr-3874	35	57	and	and	CCONJ
fsr-3874	35	58	relative	relative	ADJ
fsr-3874	35	59	risk	risk	NOUN
fsr-3874	35	60	aversion	aversion	NOUN
fsr-3874	35	61	(	(	PUNCT
fsr-3874	35	62	change	change	NOUN
fsr-3874	35	63	in	in	ADP
fsr-3874	35	64	portfolio	portfolio	NOUN
fsr-3874	35	65	allocation	allocation	NOUN
fsr-3874	35	66	to	to	ADP
fsr-3874	35	67	risky	risky	ADJ
fsr-3874	35	68	assets	asset	NOUN
fsr-3874	35	69	as	as	ADP
fsr-3874	35	70	wealth	wealth	NOUN
fsr-3874	35	71	increases	increase	NOUN
fsr-3874	35	72	)	)	PUNCT
fsr-3874	35	73	.	.	PUNCT
fsr-3874	36	1	based	base	VERB
fsr-3874	36	2	on	on	ADP
fsr-3874	36	3	empirical	empirical	ADJ
fsr-3874	36	4	and	and	CCONJ
fsr-3874	36	5	experimental	experimental	ADJ
fsr-3874	36	6	studies	study	NOUN
fsr-3874	36	7	of	of	ADP
fsr-3874	36	8	individual	individual	ADJ
fsr-3874	36	9	decision	decision	NOUN
fsr-3874	36	10	-	-	PUNCT
fsr-3874	36	11	making	making	NOUN
fsr-3874	36	12	under	under	ADP
fsr-3874	36	13	risk	risk	NOUN
fsr-3874	36	14	,	,	PUNCT
fsr-3874	36	15	there	there	PRON
fsr-3874	36	16	is	be	VERB
fsr-3874	36	17	now	now	ADV
fsr-3874	36	18	general	general	ADJ
fsr-3874	36	19	consensus	consensus	NOUN
fsr-3874	36	20	thatabsoluterisk	thatabsoluterisk	NOUN
fsr-3874	36	21	aversion	aversion	NOUN
fsr-3874	36	22	declines	decline	VERB
fsr-3874	36	23	with	with	ADP
fsr-3874	36	24	wealth	wealth	NOUN
fsr-3874	36	25	.	.	PUNCT
fsr-3874	37	1	that	that	PRON
fsr-3874	37	2	is	is	ADV
fsr-3874	37	3	,	,	PUNCT
fsr-3874	37	4	individuals	individual	NOUN
fsr-3874	37	5	will	will	AUX
fsr-3874	37	6	invest	invest	VERB
fsr-3874	37	7	a	a	DET
fsr-3874	37	8	higher	high	ADJ
fsr-3874	37	9	dollar	dollar	NOUN
fsr-3874	37	10	amount	amount	NOUN
fsr-3874	37	11	in	in	ADP
fsr-3874	37	12	risky	risky	ADJ
fsr-3874	37	13	assets	asset	NOUN
fsr-3874	37	14	as	as	ADP
fsr-3874	37	15	their	their	PRON
fsr-3874	37	16	wealth	wealth	NOUN
fsr-3874	37	17	increases	increase	NOUN
fsr-3874	37	18	.	.	PUNCT
fsr-3874	38	1	the	the	DET
fsr-3874	38	2	characteristics	characteristic	NOUN
fsr-3874	38	3	of	of	ADP
fsr-3874	38	4	individualrelative	individualrelative	ADJ
fsr-3874	38	5	risk	risk	NOUN
fsr-3874	38	6	aversion	aversion	NOUN
fsr-3874	38	7	are	be	AUX
fsr-3874	38	8	not	not	PART
fsr-3874	38	9	as	as	ADV
fsr-3874	38	10	clear	clear	ADJ
fsr-3874	38	11	and	and	CCONJ
fsr-3874	38	12	seem	seem	VERB
fsr-3874	38	13	to	to	PART
fsr-3874	38	14	exhibit	exhibit	VERB
fsr-3874	38	15	systematic	systematic	ADJ
fsr-3874	38	16	differences	difference	NOUN
fsr-3874	38	17	by	by	ADP
fsr-3874	38	18	some	some	DET
fsr-3874	38	19	characteristics	characteristic	NOUN
fsr-3874	38	20	such	such	ADJ
fsr-3874	38	21	as	as	ADP
fsr-3874	38	22	age	age	NOUN
fsr-3874	38	23	and	and	CCONJ
fsr-3874	38	24	income	income	NOUN
fsr-3874	38	25	.	.	PUNCT
fsr-3874	39	1	the	the	DET
fsr-3874	39	2	impact	impact	NOUN
fsr-3874	39	3	of	of	ADP
fsr-3874	39	4	gender	gender	NOUN
fsr-3874	39	5	on	on	ADP
fsr-3874	39	6	relative	relative	ADJ
fsr-3874	39	7	risk	risk	NOUN
fsr-3874	39	8	aversion	aversion	NOUN
fsr-3874	39	9	was	be	AUX
fsr-3874	39	10	considered	consider	VERB
fsr-3874	39	11	in	in	ADP
fsr-3874	39	12	jianakoplos	jianakoplo	NOUN
fsr-3874	39	13	and	and	CCONJ
fsr-3874	39	14	bernasek	bernasek	PROPN
fsr-3874	39	15	(	(	PUNCT
fsr-3874	39	16	1998	1998	NUM
fsr-3874	39	17	)	)	PUNCT
fsr-3874	39	18	who	who	PRON
fsr-3874	39	19	find	find	VERB
fsr-3874	39	20	evidence	evidence	NOUN
fsr-3874	39	21	that	that	SCONJ
fsr-3874	39	22	single	single	ADJ
fsr-3874	39	23	women	woman	NOUN
fsr-3874	39	24	exhibit	exhibit	VERB
fsr-3874	39	25	greater	great	ADJ
fsr-3874	39	26	relative	relative	ADJ
fsr-3874	39	27	risk	risk	NOUN
fsr-3874	39	28	aversion	aversion	NOUN
fsr-3874	39	29	than	than	SCONJ
fsr-3874	39	30	single	single	ADJ
fsr-3874	39	31	men	man	NOUN
fsr-3874	39	32	do	do	VERB
fsr-3874	39	33	.	.	PUNCT
fsr-3874	40	1	the	the	DET
fsr-3874	40	2	empirical	empirical	ADJ
fsr-3874	40	3	estimation	estimation	NOUN
fsr-3874	40	4	of	of	ADP
fsr-3874	40	5	risk	risk	NOUN
fsr-3874	40	6	aversion	aversion	NOUN
fsr-3874	40	7	in	in	ADP
fsr-3874	40	8	pension	pension	NOUN
fsr-3874	40	9	allocations	allocation	NOUN
fsr-3874	40	10	undertaken	undertake	VERB
fsr-3874	40	11	in	in	ADP
fsr-3874	40	12	this	this	DET
fsr-3874	40	13	paper	paper	NOUN
fsr-3874	40	14	follows	follow	VERB
fsr-3874	40	15	the	the	DET
fsr-3874	40	16	methodology	methodology	NOUN
fsr-3874	40	17	developed	develop	VERB
fsr-3874	40	18	by	by	ADP
fsr-3874	40	19	friend	friend	NOUN
fsr-3874	40	20	and	and	CCONJ
fsr-3874	40	21	blume	blume	PROPN
fsr-3874	40	22	(	(	PUNCT
fsr-3874	40	23	1975	1975	NUM
fsr-3874	40	24	)	)	PUNCT
fsr-3874	40	25	.	.	PUNCT
fsr-3874	41	1	this	this	DET
fsr-3874	41	2	methodology	methodology	NOUN
fsr-3874	41	3	for	for	ADP
fsr-3874	41	4	measuring	measure	VERB
fsr-3874	41	5	relative	relative	ADJ
fsr-3874	41	6	risk	risk	NOUN
fsr-3874	41	7	aversion	aversion	NOUN
fsr-3874	41	8	is	be	AUX
fsr-3874	41	9	also	also	ADV
fsr-3874	41	10	employed	employ	VERB
fsr-3874	41	11	by	by	ADP
fsr-3874	41	12	siegal	siegal	PROPN
fsr-3874	41	13	and	and	CCONJ
fsr-3874	41	14	hoban	hoban	PROPN
fsr-3874	41	15	(	(	PUNCT
fsr-3874	41	16	1982,1991	1982,1991	NUM
fsr-3874	41	17	)	)	PUNCT
fsr-3874	41	18	,	,	PUNCT
fsr-3874	41	19	morin	morin	NOUN
fsr-3874	41	20	and	and	CCONJ
fsr-3874	41	21	suarez	suarez	PROPN
fsr-3874	41	22	(	(	PUNCT
fsr-3874	41	23	1983	1983	NUM
fsr-3874	41	24	)	)	PUNCT
fsr-3874	41	25	,	,	PUNCT
fsr-3874	41	26	ballante	ballante	NOUN
fsr-3874	41	27	and	and	CCONJ
fsr-3874	41	28	saba	saba	PROPN
fsr-3874	41	29	(	(	PUNCT
fsr-3874	41	30	1986	1986	NUM
fsr-3874	41	31	)	)	PUNCT
fsr-3874	41	32	,	,	PUNCT
fsr-3874	41	33	riley	riley	NOUN
fsr-3874	41	34	and	and	CCONJ
fsr-3874	41	35	chow	chow	PROPN
fsr-3874	41	36	(	(	PUNCT
fsr-3874	41	37	1992	1992	NUM
fsr-3874	41	38	)	)	PUNCT
fsr-3874	41	39	,	,	PUNCT
fsr-3874	41	40	jianakoplos	jianakoplo	NOUN
fsr-3874	41	41	and	and	CCONJ
fsr-3874	41	42	bernasek	bernasek	PROPN
fsr-3874	41	43	(	(	PUNCT
fsr-3874	41	44	1998	1998	NUM
fsr-3874	41	45	)	)	PUNCT
fsr-3874	41	46	,	,	PUNCT
fsr-3874	41	47	and	and	CCONJ
fsr-3874	41	48	schooley	schooley	NOUN
fsr-3874	41	49	and	and	CCONJ
fsr-3874	41	50	worden	worden	NOUN
fsr-3874	41	51	(	(	PUNCT
fsr-3874	41	52	1996	1996	NUM
fsr-3874	41	53	)	)	PUNCT
fsr-3874	41	54	.	.	PUNCT
fsr-3874	42	1	they	they	PRON
fsr-3874	42	2	define	define	VERB
fsr-3874	42	3	an	an	DET
fsr-3874	42	4	individual	individual	NOUN
fsr-3874	42	5	’s	’s	PART
fsr-3874	42	6	division	division	NOUN
fsr-3874	42	7	between	between	ADP
fsr-3874	42	8	risky	risky	ADJ
fsr-3874	42	9	and	and	CCONJ
fsr-3874	42	10	riskfree	riskfree	ADJ
fsr-3874	42	11	assets	asset	NOUN
fsr-3874	42	12	in	in	ADP
fsr-3874	42	13	their	their	PRON
fsr-3874	42	14	portfolio	portfolio	NOUN
fsr-3874	42	15	,	,	PUNCT
fsr-3874	42	16	in	in	ADP
fsr-3874	42	17	the	the	DET
fsr-3874	42	18	absence	absence	NOUN
fsr-3874	42	19	of	of	ADP
fsr-3874	42	20	taxes	taxis	NOUN
fsr-3874	42	21	,	,	PUNCT
fsr-3874	42	22	according	accord	VERB
fsr-3874	42	23	to	to	ADP
fsr-3874	42	24	the	the	DET
fsr-3874	42	25	following	following	NOUN
fsr-3874	42	26	:	:	PUNCT
fsr-3874	42	27	ak	ak	PROPN
fsr-3874	42	28	5	5	NUM
fsr-3874	42	29	e	e	PROPN
fsr-3874	42	30	~	~	PROPN
fsr-3874	42	31	rm	rm	NOUN
fsr-3874	42	32	2	2	NUM
fsr-3874	42	33	r	r	NOUN
fsr-3874	42	34	f	f	NOUN
fsr-3874	42	35	!	!	PUNCT
fsr-3874	43	1	sm	sm	INTJ
fsr-3874	43	2	2	2	NUM
fsr-3874	43	3	p	p	NOUN
fsr-3874	43	4	1	1	NUM
fsr-3874	43	5	ck	ck	NOUN
fsr-3874	43	6	(	(	PUNCT
fsr-3874	43	7	1	1	X
fsr-3874	43	8	)	)	PUNCT
fsr-3874	43	9	whereak	whereak	NOUN
fsr-3874	43	10	is	be	AUX
fsr-3874	43	11	the	the	DET
fsr-3874	43	12	proportion	proportion	NOUN
fsr-3874	43	13	of	of	ADP
fsr-3874	43	14	investork	investork	NOUN
fsr-3874	43	15	’s	’s	PART
fsr-3874	43	16	net	net	ADJ
fsr-3874	43	17	worth	worth	NOUN
fsr-3874	43	18	that	that	PRON
fsr-3874	43	19	is	be	AUX
fsr-3874	43	20	placed	place	VERB
fsr-3874	43	21	in	in	ADP
fsr-3874	43	22	risky	risky	ADJ
fsr-3874	43	23	assets	asset	NOUN
fsr-3874	43	24	,	,	PUNCT
fsr-3874	43	25	e(rm	e(rm	PROPN
fsr-3874	43	26	2	2	NUM
fsr-3874	43	27	rf	rf	NOUN
fsr-3874	43	28	)	)	PUNCT
fsr-3874	43	29	is	be	AUX
fsr-3874	43	30	the	the	DET
fsr-3874	43	31	expected	expect	VERB
fsr-3874	43	32	difference	difference	NOUN
fsr-3874	43	33	between	between	ADP
fsr-3874	43	34	the	the	DET
fsr-3874	43	35	return	return	NOUN
fsr-3874	43	36	on	on	ADP
fsr-3874	43	37	the	the	DET
fsr-3874	43	38	market	market	NOUN
fsr-3874	43	39	portfolio	portfolio	NOUN
fsr-3874	43	40	of	of	ADP
fsr-3874	43	41	risky	risky	ADJ
fsr-3874	43	42	assets	asset	NOUN
fsr-3874	43	43	(	(	PUNCT
fsr-3874	43	44	rm	rm	NOUN
fsr-3874	43	45	)	)	PUNCT
fsr-3874	43	46	and	and	CCONJ
fsr-3874	43	47	the	the	DET
fsr-3874	43	48	return	return	NOUN
fsr-3874	43	49	on	on	ADP
fsr-3874	43	50	the	the	DET
fsr-3874	43	51	risk	risk	NOUN
fsr-3874	43	52	free	free	ADJ
fsr-3874	43	53	asset	asset	NOUN
fsr-3874	43	54	(	(	PUNCT
fsr-3874	43	55	rm	rm	PROPN
fsr-3874	43	56	)	)	PUNCT
fsr-3874	43	57	,	,	PUNCT
fsr-3874	43	58	sm	sm	PROPN
fsr-3874	43	59	2	2	NUM
fsr-3874	43	60	the	the	DET
fsr-3874	43	61	variance	variance	NOUN
fsr-3874	43	62	of	of	ADP
fsr-3874	43	63	the	the	DET
fsr-3874	43	64	returns	return	NOUN
fsr-3874	43	65	on	on	ADP
fsr-3874	43	66	the	the	DET
fsr-3874	43	67	market	market	NOUN
fsr-3874	43	68	portfolio	portfolio	NOUN
fsr-3874	43	69	of	of	ADP
fsr-3874	43	70	risky	risky	ADJ
fsr-3874	43	71	assets	asset	NOUN
fsr-3874	43	72	,	,	PUNCT
fsr-3874	43	73	ck	ck	PROPN
fsr-3874	43	74	is	be	AUX
fsr-3874	43	75	pratt	pratt	PROPN
fsr-3874	43	76	’s	’s	PART
fsr-3874	43	77	measure	measure	NOUN
fsr-3874	43	78	of	of	ADP
fsr-3874	43	79	relative	relative	ADJ
fsr-3874	43	80	risk	risk	NOUN
fsr-3874	43	81	aversion(ck	aversion(ck	ADJ
fsr-3874	43	82	5	5	NUM
fsr-3874	43	83	[	[	SYM
fsr-3874	43	84	2u“(wkt)/u’(wkt)]wkt	2u“(wkt)/u’(wkt)]wkt	NUM
fsr-3874	43	85	)	)	PUNCT
fsr-3874	43	86	”	"	PUNCT
fsr-3874	43	87	andwkt	andwkt	PROPN
fsr-3874	43	88	is	be	AUX
fsr-3874	43	89	investork	investork	NOUN
fsr-3874	43	90	’s	’s	PART
fsr-3874	43	91	wealth	wealth	NOUN
fsr-3874	43	92	in	in	ADP
fsr-3874	43	93	period	period	NOUN
fsr-3874	43	94	t.	t.	NOUN
fsr-3874	44	1	we	we	PRON
fsr-3874	44	2	ignore	ignore	VERB
fsr-3874	44	3	the	the	DET
fsr-3874	44	4	effects	effect	NOUN
fsr-3874	44	5	of	of	ADP
fsr-3874	44	6	taxes	taxis	NOUN
fsr-3874	44	7	in	in	ADP
fsr-3874	44	8	the	the	DET
fsr-3874	44	9	estimation	estimation	NOUN
fsr-3874	44	10	of	of	ADP
fsr-3874	44	11	the	the	DET
fsr-3874	44	12	model	model	NOUN
fsr-3874	44	13	based	base	VERB
fsr-3874	44	14	on	on	ADP
fsr-3874	44	15	previous	previous	ADJ
fsr-3874	44	16	research	research	NOUN
fsr-3874	44	17	which	which	PRON
fsr-3874	44	18	shows	show	VERB
fsr-3874	44	19	that	that	SCONJ
fsr-3874	44	20	taxes	taxis	NOUN
fsr-3874	44	21	do	do	AUX
fsr-3874	44	22	not	not	PART
fsr-3874	44	23	have	have	VERB
fsr-3874	44	24	a	a	DET
fsr-3874	44	25	significantly	significantly	ADV
fsr-3874	44	26	affect	affect	VERB
fsr-3874	44	27	on	on	ADP
fsr-3874	44	28	the	the	DET
fsr-3874	44	29	results	result	NOUN
fsr-3874	44	30	(	(	PUNCT
fsr-3874	44	31	bellante	bellante	NOUN
fsr-3874	44	32	and	and	CCONJ
fsr-3874	44	33	saba	saba	PROPN
fsr-3874	44	34	,	,	PUNCT
fsr-3874	44	35	1986	1986	NUM
fsr-3874	44	36	)	)	PUNCT
fsr-3874	44	37	.	.	PUNCT
fsr-3874	45	1	the	the	DET
fsr-3874	45	2	model	model	NOUN
fsr-3874	45	3	assumes	assume	VERB
fsr-3874	45	4	that	that	SCONJ
fsr-3874	45	5	financial	financial	ADJ
fsr-3874	45	6	assets	asset	NOUN
fsr-3874	45	7	are	be	AUX
fsr-3874	45	8	infinitely	infinitely	ADV
fsr-3874	45	9	divisible	divisible	ADJ
fsr-3874	45	10	and	and	CCONJ
fsr-3874	45	11	can	can	AUX
fsr-3874	45	12	be	be	AUX
fsr-3874	45	13	traded	trade	VERB
fsr-3874	45	14	with	with	ADP
fsr-3874	45	15	zero	zero	NUM
fsr-3874	45	16	transactions	transaction	NOUN
fsr-3874	45	17	costs	cost	NOUN
fsr-3874	45	18	.	.	PUNCT
fsr-3874	46	1	these	these	DET
fsr-3874	46	2	assumptions	assumption	NOUN
fsr-3874	46	3	are	be	AUX
fsr-3874	46	4	problematic	problematic	ADJ
fsr-3874	46	5	when	when	SCONJ
fsr-3874	46	6	applied	apply	VERB
fsr-3874	46	7	to	to	ADP
fsr-3874	46	8	housing	housing	NOUN
fsr-3874	46	9	wealth	wealth	NOUN
fsr-3874	46	10	and	and	CCONJ
fsr-3874	46	11	human	human	ADJ
fsr-3874	46	12	capital	capital	NOUN
fsr-3874	46	13	.	.	PUNCT
fsr-3874	47	1	for	for	ADP
fsr-3874	47	2	that	that	DET
fsr-3874	47	3	reason	reason	NOUN
fsr-3874	47	4	,	,	PUNCT
fsr-3874	47	5	some	some	DET
fsr-3874	47	6	studies	study	NOUN
fsr-3874	47	7	estimate	estimate	VERB
fsr-3874	47	8	the	the	DET
fsr-3874	47	9	value	value	NOUN
fsr-3874	47	10	of	of	ADP
fsr-3874	47	11	wealth	wealth	NOUN
fsr-3874	47	12	with	with	ADP
fsr-3874	47	13	and	and	CCONJ
fsr-3874	47	14	without	without	ADP
fsr-3874	47	15	the	the	DET
fsr-3874	47	16	value	value	NOUN
fsr-3874	47	17	of	of	ADP
fsr-3874	47	18	housing	housing	NOUN
fsr-3874	47	19	(	(	PUNCT
fsr-3874	47	20	friend	friend	NOUN
fsr-3874	47	21	and	and	CCONJ
fsr-3874	47	22	blume	blume	PROPN
fsr-3874	47	23	,	,	PUNCT
fsr-3874	47	24	1975	1975	NUM
fsr-3874	47	25	)	)	PUNCT
fsr-3874	47	26	.	.	PUNCT
fsr-3874	48	1	to	to	PART
fsr-3874	48	2	include	include	VERB
fsr-3874	48	3	human	human	ADJ
fsr-3874	48	4	capital	capital	NOUN
fsr-3874	48	5	in	in	ADP
fsr-3874	48	6	net	net	ADJ
fsr-3874	48	7	wealth	wealth	NOUN
fsr-3874	48	8	,	,	PUNCT
fsr-3874	48	9	a	a	DET
fsr-3874	48	10	reformulation	reformulation	NOUN
fsr-3874	48	11	of	of	ADP
fsr-3874	48	12	eq	eq	PROPN
fsr-3874	48	13	.	.	PUNCT
fsr-3874	49	1	(	(	PUNCT
fsr-3874	49	2	1	1	X
fsr-3874	49	3	)	)	PUNCT
fsr-3874	49	4	is	be	AUX
fsr-3874	49	5	required	require	VERB
fsr-3874	49	6	takes	take	NOUN
fsr-3874	49	7	into	into	ADP
fsr-3874	49	8	account	account	NOUN
fsr-3874	49	9	the	the	DET
fsr-3874	49	10	dependence	dependence	NOUN
fsr-3874	49	11	ofak	ofak	ADJ
fsr-3874	49	12	on	on	ADP
fsr-3874	49	13	the	the	DET
fsr-3874	49	14	covariance	covariance	NOUN
fsr-3874	49	15	between	between	ADP
fsr-3874	49	16	the	the	DET
fsr-3874	49	17	return	return	NOUN
fsr-3874	49	18	on	on	ADP
fsr-3874	49	19	the	the	DET
fsr-3874	49	20	market	market	NOUN
fsr-3874	49	21	portfolio	portfolio	NOUN
fsr-3874	49	22	(	(	PUNCT
fsr-3874	49	23	rm	rm	PROPN
fsr-3874	49	24	)	)	PUNCT
fsr-3874	49	25	and	and	CCONJ
fsr-3874	49	26	the	the	DET
fsr-3874	49	27	return	return	NOUN
fsr-3874	49	28	on	on	ADP
fsr-3874	49	29	human	human	ADJ
fsr-3874	49	30	wealth	wealth	NOUN
fsr-3874	49	31	(	(	PUNCT
fsr-3874	49	32	rh	rh	PROPN
fsr-3874	49	33	)	)	PUNCT
fsr-3874	49	34	.	.	PUNCT
fsr-3874	50	1	this	this	DET
fsr-3874	50	2	results	result	VERB
fsr-3874	50	3	in	in	ADP
fsr-3874	50	4	the	the	DET
fsr-3874	50	5	following	follow	VERB
fsr-3874	50	6	specification	specification	NOUN
fsr-3874	50	7	for	for	ADP
fsr-3874	50	8	allocation	allocation	NOUN
fsr-3874	50	9	to	to	ADP
fsr-3874	50	10	risky	risky	ADJ
fsr-3874	50	11	assets	asset	NOUN
fsr-3874	50	12	:	:	PUNCT
fsr-3874	50	13	ak	ak	PROPN
fsr-3874	50	14	5	5	NUM
fsr-3874	50	15	e	e	PROPN
fsr-3874	50	16	~	~	PROPN
fsr-3874	50	17	rm	rm	NOUN
fsr-3874	50	18	2	2	NUM
fsr-3874	50	19	r	r	NOUN
fsr-3874	50	20	f	f	NOUN
fsr-3874	50	21	!	!	PUNCT
fsr-3874	51	1	sm	sm	INTJ
fsr-3874	51	2	2	2	NUM
fsr-3874	51	3	p	p	NOUN
fsr-3874	51	4	1	1	NUM
fsr-3874	51	5	ck~1	ck~1	NOUN
fsr-3874	51	6	2	2	NUM
fsr-3874	51	7	hk	hk	PROPN
fsr-3874	51	8	!	!	PROPN
fsr-3874	51	9	2	2	NUM
fsr-3874	51	10	hk	hk	NOUN
fsr-3874	51	11	~1	~1	VERB
fsr-3874	51	12	2	2	NUM
fsr-3874	51	13	hk	hk	NOUN
fsr-3874	51	14	!	!	PUNCT
fsr-3874	52	1	p	p	X
fsr-3874	52	2	bh	bh	PROPN
fsr-3874	52	3	,	,	PUNCT
fsr-3874	52	4	m	m	PROPN
fsr-3874	52	5	(	(	PUNCT
fsr-3874	52	6	2	2	NUM
fsr-3874	52	7	)	)	PUNCT
fsr-3874	52	8	wherehk	wherehk	NOUN
fsr-3874	52	9	is	be	AUX
fsr-3874	52	10	the	the	DET
fsr-3874	52	11	ratio	ratio	NOUN
fsr-3874	52	12	of	of	ADP
fsr-3874	52	13	investor	investor	NOUN
fsr-3874	52	14	k	k	PROPN
fsr-3874	52	15	’s	’s	PROPN
fsr-3874	52	16	human	human	ADJ
fsr-3874	52	17	wealth	wealth	NOUN
fsr-3874	52	18	to	to	ADP
fsr-3874	52	19	net	net	ADJ
fsr-3874	52	20	wealth	wealth	NOUN
fsr-3874	52	21	,	,	PUNCT
fsr-3874	52	22	andbh	andbh	ADV
fsr-3874	52	23	,	,	PUNCT
fsr-3874	52	24	m	m	VERB
fsr-3874	52	25	is	be	AUX
fsr-3874	52	26	the	the	DET
fsr-3874	52	27	ratio	ratio	NOUN
fsr-3874	52	28	of	of	ADP
fsr-3874	52	29	the	the	DET
fsr-3874	52	30	covariance	covariance	NOUN
fsr-3874	52	31	ofrm	ofrm	PROPN
fsr-3874	52	32	andrh	andrh	PROPN
fsr-3874	52	33	to	to	ADP
fsr-3874	52	34	sm	sm	PROPN
fsr-3874	52	35	2	2	NUM
fsr-3874	52	36	.	.	PUNCT
fsr-3874	53	1	this	this	DET
fsr-3874	53	2	equation	equation	NOUN
fsr-3874	53	3	can	can	AUX
fsr-3874	53	4	be	be	AUX
fsr-3874	53	5	simplified	simplify	VERB
fsr-3874	53	6	however	however	ADV
fsr-3874	53	7	,	,	PUNCT
fsr-3874	53	8	by	by	ADP
fsr-3874	53	9	making	make	VERB
fsr-3874	53	10	use	use	NOUN
fsr-3874	53	11	of	of	ADP
fsr-3874	53	12	the	the	DET
fsr-3874	53	13	findings	finding	NOUN
fsr-3874	53	14	by	by	ADP
fsr-3874	53	15	liberman	liberman	PROPN
fsr-3874	53	16	(	(	PUNCT
fsr-3874	53	17	1980	1980	NUM
fsr-3874	53	18	)	)	PUNCT
fsr-3874	53	19	and	and	CCONJ
fsr-3874	53	20	fama	fama	PROPN
fsr-3874	53	21	and	and	CCONJ
fsr-3874	53	22	schwert	schwert	NOUN
fsr-3874	53	23	(	(	PUNCT
fsr-3874	53	24	1977	1977	NUM
fsr-3874	53	25	)	)	PUNCT
fsr-3874	53	26	thatbh	thatbh	NOUN
fsr-3874	53	27	,	,	PUNCT
fsr-3874	53	28	m	m	VERB
fsr-3874	53	29	is	be	AUX
fsr-3874	53	30	zero	zero	NUM
fsr-3874	53	31	.	.	PUNCT
fsr-3874	54	1	then	then	ADV
fsr-3874	54	2	eq	eq	ADP
fsr-3874	54	3	.	.	PUNCT
fsr-3874	55	1	(	(	PUNCT
fsr-3874	55	2	2	2	X
fsr-3874	55	3	)	)	PUNCT
fsr-3874	55	4	becomes	become	VERB
fsr-3874	55	5	:	:	PUNCT
fsr-3874	55	6	3v.l	3v.l	NUM
fsr-3874	55	7	.	.	X
fsr-3874	55	8	bajtelsmit	bajtelsmit	NOUN
fsr-3874	55	9	et	et	PROPN
fsr-3874	55	10	al	al	PROPN
fsr-3874	55	11	.	.	PUNCT
fsr-3874	55	12	/	/	SYM
fsr-3874	55	13	financial	financial	ADJ
fsr-3874	55	14	services	service	NOUN
fsr-3874	55	15	review	review	VERB
fsr-3874	55	16	8	8	NUM
fsr-3874	55	17	(	(	PUNCT
fsr-3874	55	18	1999	1999	NUM
fsr-3874	55	19	)	)	PUNCT
fsr-3874	55	20	1–10	1–10	PROPN
fsr-3874	55	21	ak	ak	PROPN
fsr-3874	55	22	5	5	NUM
fsr-3874	55	23	e	e	NOUN
fsr-3874	55	24	~	~	PROPN
fsr-3874	55	25	rm	rm	NOUN
fsr-3874	55	26	2	2	NUM
fsr-3874	55	27	r	r	NOUN
fsr-3874	55	28	f	f	NOUN
fsr-3874	55	29	!	!	PUNCT
fsr-3874	56	1	sm	sm	INTJ
fsr-3874	56	2	2	2	NUM
fsr-3874	56	3	p	p	NOUN
fsr-3874	56	4	1	1	NUM
fsr-3874	56	5	ck~1	ck~1	NOUN
fsr-3874	56	6	2	2	NUM
fsr-3874	56	7	hk	hk	PROPN
fsr-3874	56	8	!	!	PUNCT
fsr-3874	57	1	(	(	PUNCT
fsr-3874	57	2	3	3	X
fsr-3874	57	3	)	)	PUNCT
fsr-3874	57	4	for	for	ADP
fsr-3874	57	5	the	the	DET
fsr-3874	57	6	analysis	analysis	NOUN
fsr-3874	57	7	in	in	ADP
fsr-3874	57	8	this	this	DET
fsr-3874	57	9	paper	paper	NOUN
fsr-3874	57	10	,	,	PUNCT
fsr-3874	57	11	eq	eq	NOUN
fsr-3874	57	12	.	.	PUNCT
fsr-3874	58	1	(	(	PUNCT
fsr-3874	58	2	3	3	X
fsr-3874	58	3	)	)	PUNCT
fsr-3874	58	4	is	be	AUX
fsr-3874	58	5	rewritten	rewrite	VERB
fsr-3874	58	6	to	to	PART
fsr-3874	58	7	focus	focus	VERB
fsr-3874	58	8	on	on	ADP
fsr-3874	58	9	the	the	DET
fsr-3874	58	10	proportion	proportion	NOUN
fsr-3874	58	11	of	of	ADP
fsr-3874	58	12	riskypension	riskypension	NOUN
fsr-3874	58	13	assets	asset	NOUN
fsr-3874	58	14	in	in	ADP
fsr-3874	58	15	an	an	DET
fsr-3874	58	16	individual	individual	NOUN
fsr-3874	58	17	’s	’s	PART
fsr-3874	58	18	portfolio	portfolio	NOUN
fsr-3874	58	19	as	as	SCONJ
fsr-3874	58	20	follows	follow	VERB
fsr-3874	58	21	:	:	PUNCT
fsr-3874	58	22	ak1	ak1	ADV
fsr-3874	58	23	5	5	NUM
fsr-3874	58	24	2ak2	2ak2	NUM
fsr-3874	58	25	1	1	NUM
fsr-3874	58	26	e	e	X
fsr-3874	58	27	~	~	NOUN
fsr-3874	58	28	rm	rm	NOUN
fsr-3874	58	29	2	2	NUM
fsr-3874	58	30	r	r	NOUN
fsr-3874	58	31	f	f	NOUN
fsr-3874	58	32	!	!	PUNCT
fsr-3874	59	1	sm	sm	INTJ
fsr-3874	59	2	2	2	NUM
fsr-3874	59	3	p	p	NOUN
fsr-3874	59	4	1	1	NUM
fsr-3874	59	5	ck~1	ck~1	NOUN
fsr-3874	59	6	2	2	NUM
fsr-3874	59	7	hk	hk	PROPN
fsr-3874	59	8	!	!	PUNCT
fsr-3874	60	1	(	(	PUNCT
fsr-3874	60	2	4	4	NUM
fsr-3874	60	3	)	)	PUNCT
fsr-3874	60	4	whereak1	whereak1	NOUN
fsr-3874	60	5	is	be	AUX
fsr-3874	60	6	the	the	DET
fsr-3874	60	7	proportion	proportion	NOUN
fsr-3874	60	8	of	of	ADP
fsr-3874	60	9	net	net	ADJ
fsr-3874	60	10	worth	worth	NOUN
fsr-3874	60	11	of	of	ADP
fsr-3874	60	12	investor	investor	NOUN
fsr-3874	60	13	k	k	PROPN
fsr-3874	60	14	in	in	ADP
fsr-3874	60	15	riskypensionassets	riskypensionasset	NOUN
fsr-3874	60	16	andak2	andak2	NOUN
fsr-3874	60	17	is	be	AUX
fsr-3874	60	18	the	the	DET
fsr-3874	60	19	proportion	proportion	NOUN
fsr-3874	60	20	of	of	ADP
fsr-3874	60	21	net	net	ADJ
fsr-3874	60	22	worth	worth	NOUN
fsr-3874	60	23	of	of	ADP
fsr-3874	60	24	investor	investor	NOUN
fsr-3874	60	25	k	k	PROPN
fsr-3874	60	26	inother	inother	ADP
fsr-3874	60	27	risky	risky	ADJ
fsr-3874	60	28	assets	asset	NOUN
fsr-3874	60	29	.	.	PUNCT
fsr-3874	61	1	eq	eq	X
fsr-3874	61	2	.	.	PUNCT
fsr-3874	62	1	(	(	PUNCT
fsr-3874	62	2	4	4	X
fsr-3874	62	3	)	)	PUNCT
fsr-3874	62	4	forms	form	VERB
fsr-3874	62	5	the	the	DET
fsr-3874	62	6	basis	basis	NOUN
fsr-3874	62	7	for	for	ADP
fsr-3874	62	8	estimating	estimate	VERB
fsr-3874	62	9	the	the	DET
fsr-3874	62	10	coefficient	coefficient	NOUN
fsr-3874	62	11	of	of	ADP
fsr-3874	62	12	relative	relative	ADJ
fsr-3874	62	13	risk	risk	NOUN
fsr-3874	62	14	aversion	aversion	NOUN
fsr-3874	62	15	when	when	SCONJ
fsr-3874	62	16	we	we	PRON
fsr-3874	62	17	consider	consider	VERB
fsr-3874	62	18	an	an	DET
fsr-3874	62	19	individual	individual	NOUN
fsr-3874	62	20	’s	’s	PART
fsr-3874	62	21	investment	investment	NOUN
fsr-3874	62	22	in	in	ADP
fsr-3874	62	23	risky	risky	ADJ
fsr-3874	62	24	pension	pension	NOUN
fsr-3874	62	25	assets	asset	NOUN
fsr-3874	62	26	.	.	PUNCT
fsr-3874	63	1	3	3	X
fsr-3874	63	2	.	.	X
fsr-3874	63	3	empirical	empirical	ADJ
fsr-3874	63	4	model	model	NOUN
fsr-3874	63	5	and	and	CCONJ
fsr-3874	63	6	estimation	estimation	NOUN
fsr-3874	63	7	3.1	3.1	NUM
fsr-3874	63	8	.	.	PUNCT
fsr-3874	64	1	data	datum	NOUN
fsr-3874	64	2	this	this	DET
fsr-3874	64	3	study	study	NOUN
fsr-3874	64	4	employs	employ	VERB
fsr-3874	64	5	data	datum	NOUN
fsr-3874	64	6	from	from	ADP
fsr-3874	64	7	the	the	DET
fsr-3874	64	8	1989survey	1989survey	NOUN
fsr-3874	64	9	of	of	ADP
fsr-3874	64	10	consumer	consumer	NOUN
fsr-3874	64	11	finances(scf89	finances(scf89	NOUN
fsr-3874	64	12	)	)	PUNCT
fsr-3874	64	13	to	to	PART
fsr-3874	64	14	examine	examine	VERB
fsr-3874	64	15	whether	whether	SCONJ
fsr-3874	64	16	defined	define	VERB
fsr-3874	64	17	contribution	contribution	NOUN
fsr-3874	64	18	pension	pension	NOUN
fsr-3874	64	19	allocation	allocation	NOUN
fsr-3874	64	20	decisions	decision	NOUN
fsr-3874	64	21	differ	differ	VERB
fsr-3874	64	22	by	by	ADP
fsr-3874	64	23	gender	gender	NOUN
fsr-3874	64	24	.	.	PUNCT
fsr-3874	65	1	the	the	DET
fsr-3874	65	2	scf89	scf89	NOUN
fsr-3874	65	3	includes	include	VERB
fsr-3874	65	4	interview	interview	NOUN
fsr-3874	65	5	data	datum	NOUN
fsr-3874	65	6	collected	collect	VERB
fsr-3874	65	7	from	from	ADP
fsr-3874	65	8	a	a	DET
fsr-3874	65	9	sample	sample	NOUN
fsr-3874	65	10	of	of	ADP
fsr-3874	65	11	2	2	NUM
fsr-3874	65	12	,	,	PUNCT
fsr-3874	65	13	277	277	NUM
fsr-3874	65	14	households	household	NOUN
fsr-3874	65	15	,	,	PUNCT
fsr-3874	65	16	chosen	choose	VERB
fsr-3874	65	17	to	to	PART
fsr-3874	65	18	be	be	AUX
fsr-3874	65	19	representative	representative	NOUN
fsr-3874	65	20	of	of	ADP
fsr-3874	65	21	households	household	NOUN
fsr-3874	65	22	in	in	ADP
fsr-3874	65	23	the	the	DET
fsr-3874	65	24	contiguous	contiguous	ADJ
fsr-3874	65	25	48	48	NUM
fsr-3874	65	26	states	state	NOUN
fsr-3874	65	27	of	of	ADP
fsr-3874	65	28	the	the	DET
fsr-3874	65	29	united	united	PROPN
fsr-3874	65	30	states	states	PROPN
fsr-3874	65	31	.	.	PUNCT
fsr-3874	66	1	because	because	SCONJ
fsr-3874	66	2	one	one	NUM
fsr-3874	66	3	of	of	ADP
fsr-3874	66	4	the	the	DET
fsr-3874	66	5	principal	principal	ADJ
fsr-3874	66	6	goals	goal	NOUN
fsr-3874	66	7	of	of	ADP
fsr-3874	66	8	the	the	DET
fsr-3874	66	9	survey	survey	NOUN
fsr-3874	66	10	was	be	AUX
fsr-3874	66	11	to	to	PART
fsr-3874	66	12	obtain	obtain	VERB
fsr-3874	66	13	estimates	estimate	NOUN
fsr-3874	66	14	of	of	ADP
fsr-3874	66	15	household	household	NOUN
fsr-3874	66	16	wealth	wealth	NOUN
fsr-3874	66	17	,	,	PUNCT
fsr-3874	66	18	which	which	PRON
fsr-3874	66	19	is	be	AUX
fsr-3874	66	20	a	a	DET
fsr-3874	66	21	highly	highly	ADV
fsr-3874	66	22	skewed	skewed	ADJ
fsr-3874	66	23	variable	variable	NOUN
fsr-3874	66	24	,	,	PUNCT
fsr-3874	66	25	an	an	DET
fsr-3874	66	26	additional	additional	ADJ
fsr-3874	66	27	oversampling	oversampling	NOUN
fsr-3874	66	28	of	of	ADP
fsr-3874	66	29	866	866	NUM
fsr-3874	66	30	wealthy	wealthy	ADJ
fsr-3874	66	31	households	household	NOUN
fsr-3874	66	32	was	be	AUX
fsr-3874	66	33	undertaken	undertake	VERB
fsr-3874	66	34	,	,	PUNCT
fsr-3874	66	35	selected	select	VERB
fsr-3874	66	36	from	from	ADP
fsr-3874	66	37	tax	tax	NOUN
fsr-3874	66	38	records	record	NOUN
fsr-3874	66	39	to	to	PART
fsr-3874	66	40	represent	represent	VERB
fsr-3874	66	41	wealthier	wealthy	ADJ
fsr-3874	66	42	households	household	NOUN
fsr-3874	66	43	.	.	PUNCT
fsr-3874	67	1	the	the	DET
fsr-3874	67	2	combined	combined	ADJ
fsr-3874	67	3	sample	sample	NOUN
fsr-3874	67	4	of	of	ADP
fsr-3874	67	5	3,143	3,143	NUM
fsr-3874	67	6	households	household	NOUN
fsr-3874	67	7	reported	report	VERB
fsr-3874	67	8	on	on	ADP
fsr-3874	67	9	the	the	DET
fsr-3874	67	10	composition	composition	NOUN
fsr-3874	67	11	of	of	ADP
fsr-3874	67	12	their	their	PRON
fsr-3874	67	13	balance	balance	NOUN
fsr-3874	67	14	sheets	sheet	NOUN
fsr-3874	67	15	,	,	PUNCT
fsr-3874	67	16	employment	employment	NOUN
fsr-3874	67	17	status	status	NOUN
fsr-3874	67	18	,	,	PUNCT
fsr-3874	67	19	income	income	NOUN
fsr-3874	67	20	,	,	PUNCT
fsr-3874	67	21	pensions	pension	NOUN
fsr-3874	67	22	,	,	PUNCT
fsr-3874	67	23	and	and	CCONJ
fsr-3874	67	24	other	other	ADJ
fsr-3874	67	25	economic	economic	ADJ
fsr-3874	67	26	and	and	CCONJ
fsr-3874	67	27	demographic	demographic	ADJ
fsr-3874	67	28	information	information	NOUN
fsr-3874	67	29	.	.	PUNCT
fsr-3874	68	1	kennickell	kennickell	NOUN
fsr-3874	68	2	and	and	CCONJ
fsr-3874	68	3	shack	shack	NOUN
fsr-3874	68	4	–	–	PUNCT
fsr-3874	68	5	marquez	marquez	X
fsr-3874	68	6	(	(	PUNCT
fsr-3874	68	7	1992	1992	NUM
fsr-3874	68	8	)	)	PUNCT
fsr-3874	68	9	provide	provide	VERB
fsr-3874	68	10	more	more	ADJ
fsr-3874	68	11	details	detail	NOUN
fsr-3874	68	12	on	on	ADP
fsr-3874	68	13	the	the	DET
fsr-3874	68	14	survey	survey	NOUN
fsr-3874	68	15	methods	method	NOUN
fsr-3874	68	16	.	.	PUNCT
fsr-3874	69	1	according	accord	VERB
fsr-3874	69	2	to	to	ADP
fsr-3874	69	3	several	several	ADJ
fsr-3874	69	4	studies	study	NOUN
fsr-3874	69	5	(	(	PUNCT
fsr-3874	69	6	curtin	curtin	PROPN
fsr-3874	69	7	,	,	PUNCT
fsr-3874	69	8	et	et	PROPN
fsr-3874	69	9	al	al	PROPN
fsr-3874	69	10	.	.	PROPN
fsr-3874	69	11	,	,	PUNCT
fsr-3874	69	12	1989	1989	NUM
fsr-3874	69	13	;	;	PUNCT
fsr-3874	69	14	juster	just	ADJ
fsr-3874	69	15	and	and	CCONJ
fsr-3874	69	16	kuester	kuester	NOUN
fsr-3874	69	17	,	,	PUNCT
fsr-3874	69	18	1991	1991	NUM
fsr-3874	69	19	;	;	PUNCT
fsr-3874	69	20	and	and	CCONJ
fsr-3874	69	21	starr	starr	PROPN
fsr-3874	69	22	–	–	PUNCT
fsr-3874	69	23	mccluer	mccluer	NOUN
fsr-3874	69	24	,	,	PUNCT
fsr-3874	69	25	1996	1996	NUM
fsr-3874	69	26	)	)	PUNCT
fsr-3874	69	27	thesurveys	thesurvey	NOUN
fsr-3874	69	28	of	of	ADP
fsr-3874	69	29	consumer	consumer	NOUN
fsr-3874	69	30	financesare	financesare	NOUN
fsr-3874	69	31	the	the	DET
fsr-3874	69	32	best	well	ADV
fsr-3874	69	33	available	available	ADJ
fsr-3874	69	34	source	source	NOUN
fsr-3874	69	35	of	of	ADP
fsr-3874	69	36	individual	individual	ADJ
fsr-3874	69	37	household	household	NOUN
fsr-3874	69	38	wealth	wealth	NOUN
fsr-3874	69	39	data	datum	NOUN
fsr-3874	69	40	collected	collect	VERB
fsr-3874	69	41	in	in	ADP
fsr-3874	69	42	the	the	DET
fsr-3874	69	43	united	united	PROPN
fsr-3874	69	44	states	states	PROPN
fsr-3874	69	45	.	.	PUNCT
fsr-3874	70	1	the	the	DET
fsr-3874	70	2	scf89	scf89	PROPN
fsr-3874	70	3	respondents	respondent	NOUN
fsr-3874	70	4	reported	report	VERB
fsr-3874	70	5	balances	balance	NOUN
fsr-3874	70	6	in	in	ADP
fsr-3874	70	7	defined	define	VERB
fsr-3874	70	8	contribution	contribution	NOUN
fsr-3874	70	9	pensions	pension	NOUN
fsr-3874	70	10	(	(	PUNCT
fsr-3874	70	11	dcps	dcp	NOUN
fsr-3874	70	12	)	)	PUNCT
fsr-3874	70	13	for	for	ADP
fsr-3874	70	14	both	both	PRON
fsr-3874	70	15	themselves	themselves	PRON
fsr-3874	70	16	and	and	CCONJ
fsr-3874	70	17	spouse	spouse	NOUN
fsr-3874	70	18	/	/	SYM
fsr-3874	70	19	partners	partner	NOUN
fsr-3874	70	20	,	,	PUNCT
fsr-3874	70	21	if	if	SCONJ
fsr-3874	70	22	any	any	PRON
fsr-3874	70	23	.	.	PUNCT
fsr-3874	71	1	because	because	SCONJ
fsr-3874	71	2	the	the	DET
fsr-3874	71	3	focus	focus	NOUN
fsr-3874	71	4	of	of	ADP
fsr-3874	71	5	this	this	DET
fsr-3874	71	6	study	study	NOUN
fsr-3874	71	7	is	be	AUX
fsr-3874	71	8	on	on	ADP
fsr-3874	71	9	pension	pension	NOUN
fsr-3874	71	10	balances	balance	NOUN
fsr-3874	71	11	of	of	ADP
fsr-3874	71	12	individuals	individual	NOUN
fsr-3874	71	13	,	,	PUNCT
fsr-3874	71	14	rather	rather	ADV
fsr-3874	71	15	than	than	ADP
fsr-3874	71	16	of	of	ADP
fsr-3874	71	17	households	household	NOUN
fsr-3874	71	18	,	,	PUNCT
fsr-3874	71	19	data	datum	NOUN
fsr-3874	71	20	for	for	ADP
fsr-3874	71	21	respondents	respondent	NOUN
fsr-3874	71	22	and	and	CCONJ
fsr-3874	71	23	spouses	spouse	NOUN
fsr-3874	71	24	are	be	AUX
fsr-3874	71	25	included	include	VERB
fsr-3874	71	26	separately	separately	ADV
fsr-3874	71	27	in	in	ADP
fsr-3874	71	28	the	the	DET
fsr-3874	71	29	sample	sample	NOUN
fsr-3874	71	30	.	.	PUNCT
fsr-3874	72	1	consequently	consequently	ADV
fsr-3874	72	2	,	,	PUNCT
fsr-3874	72	3	pension	pension	NOUN
fsr-3874	72	4	allocation	allocation	NOUN
fsr-3874	72	5	behavior	behavior	NOUN
fsr-3874	72	6	is	be	AUX
fsr-3874	72	7	examined	examine	VERB
fsr-3874	72	8	for	for	ADP
fsr-3874	72	9	a	a	DET
fsr-3874	72	10	sample	sample	NOUN
fsr-3874	72	11	of	of	ADP
fsr-3874	72	12	5	5	NUM
fsr-3874	72	13	,	,	PUNCT
fsr-3874	72	14	287	287	NUM
fsr-3874	72	15	individuals	individual	NOUN
fsr-3874	72	16	—	—	PUNCT
fsr-3874	72	17	the	the	DET
fsr-3874	72	18	3	3	NUM
fsr-3874	72	19	,	,	PUNCT
fsr-3874	72	20	143	143	NUM
fsr-3874	72	21	respondents	respondent	NOUN
fsr-3874	72	22	and	and	CCONJ
fsr-3874	72	23	an	an	DET
fsr-3874	72	24	additional	additional	ADJ
fsr-3874	72	25	2	2	NUM
fsr-3874	72	26	,	,	PUNCT
fsr-3874	72	27	144	144	NUM
fsr-3874	72	28	spouse/	spouse/	NUM
fsr-3874	72	29	partners	partner	NOUN
fsr-3874	72	30	.	.	PUNCT
fsr-3874	73	1	in	in	ADP
fsr-3874	73	2	the	the	DET
fsr-3874	73	3	cases	case	NOUN
fsr-3874	73	4	where	where	SCONJ
fsr-3874	73	5	there	there	PRON
fsr-3874	73	6	are	be	VERB
fsr-3874	73	7	two	two	NUM
fsr-3874	73	8	individuals	individual	NOUN
fsr-3874	73	9	from	from	ADP
fsr-3874	73	10	the	the	DET
fsr-3874	73	11	same	same	ADJ
fsr-3874	73	12	household	household	NOUN
fsr-3874	73	13	,	,	PUNCT
fsr-3874	73	14	they	they	PRON
fsr-3874	73	15	have	have	VERB
fsr-3874	73	16	the	the	DET
fsr-3874	73	17	same	same	ADJ
fsr-3874	73	18	household	household	NOUN
fsr-3874	73	19	wealth	wealth	NOUN
fsr-3874	73	20	,	,	PUNCT
fsr-3874	73	21	because	because	SCONJ
fsr-3874	73	22	there	there	PRON
fsr-3874	73	23	is	be	VERB
fsr-3874	73	24	no	no	DET
fsr-3874	73	25	basis	basis	NOUN
fsr-3874	73	26	for	for	ADP
fsr-3874	73	27	dividing	divide	VERB
fsr-3874	73	28	their	their	PRON
fsr-3874	73	29	joint	joint	ADJ
fsr-3874	73	30	assets	asset	NOUN
fsr-3874	73	31	.	.	PUNCT
fsr-3874	74	1	because	because	SCONJ
fsr-3874	74	2	of	of	ADP
fsr-3874	74	3	the	the	DET
fsr-3874	74	4	oversampling	oversampling	NOUN
fsr-3874	74	5	of	of	ADP
fsr-3874	74	6	the	the	DET
fsr-3874	74	7	wealthy	wealthy	ADJ
fsr-3874	74	8	households	household	NOUN
fsr-3874	74	9	,	,	PUNCT
fsr-3874	74	10	all	all	DET
fsr-3874	74	11	summary	summary	NOUN
fsr-3874	74	12	statistics	statistic	NOUN
fsr-3874	74	13	reported	report	VERB
fsr-3874	74	14	in	in	ADP
fsr-3874	74	15	this	this	DET
fsr-3874	74	16	paper	paper	NOUN
fsr-3874	74	17	are	be	AUX
fsr-3874	74	18	sample	sample	NOUN
fsr-3874	74	19	weighted	weight	VERB
fsr-3874	74	20	.	.	PUNCT
fsr-3874	75	1	in	in	ADP
fsr-3874	75	2	addition	addition	NOUN
fsr-3874	75	3	,	,	PUNCT
fsr-3874	75	4	the	the	DET
fsr-3874	75	5	multiple	multiple	ADJ
fsr-3874	75	6	imputation	imputation	NOUN
fsr-3874	75	7	procedure	procedure	NOUN
fsr-3874	75	8	employed	employ	VERB
fsr-3874	75	9	on	on	ADP
fsr-3874	75	10	the	the	DET
fsr-3874	75	11	public	public	ADJ
fsr-3874	75	12	-	-	PUNCT
fsr-3874	75	13	use	use	NOUN
fsr-3874	75	14	data	datum	NOUN
fsr-3874	75	15	tapes	tape	NOUN
fsr-3874	75	16	by	by	ADP
fsr-3874	75	17	the	the	DET
fsr-3874	75	18	federal	federal	PROPN
fsr-3874	75	19	reserve	reserve	PROPN
fsr-3874	75	20	system	system	NOUN
fsr-3874	75	21	to	to	PART
fsr-3874	75	22	handle	handle	VERB
fsr-3874	75	23	missing	miss	VERB
fsr-3874	75	24	data	datum	NOUN
fsr-3874	75	25	is	be	AUX
fsr-3874	75	26	used	use	VERB
fsr-3874	75	27	here	here	ADV
fsr-3874	75	28	.	.	PUNCT
fsr-3874	76	1	4	4	NUM
fsr-3874	76	2	v.l	v.l	PROPN
fsr-3874	76	3	.	.	PROPN
fsr-3874	76	4	bajtelsmit	bajtelsmit	PROPN
fsr-3874	76	5	et	et	PROPN
fsr-3874	76	6	al	al	PROPN
fsr-3874	76	7	.	.	PUNCT
fsr-3874	76	8	/	/	SYM
fsr-3874	76	9	financial	financial	ADJ
fsr-3874	76	10	services	service	NOUN
fsr-3874	76	11	review	review	VERB
fsr-3874	76	12	8	8	NUM
fsr-3874	76	13	(	(	PUNCT
fsr-3874	76	14	1999	1999	NUM
fsr-3874	76	15	)	)	PUNCT
fsr-3874	76	16	1–10	1–10	NOUN
fsr-3874	76	17	3.2	3.2	NUM
fsr-3874	76	18	.	.	PUNCT
fsr-3874	77	1	empirical	empirical	ADJ
fsr-3874	77	2	methodology	methodology	NOUN
fsr-3874	77	3	based	base	VERB
fsr-3874	77	4	on	on	ADP
fsr-3874	77	5	eq	eq	PROPN
fsr-3874	77	6	.	.	PUNCT
fsr-3874	78	1	(	(	PUNCT
fsr-3874	78	2	4	4	NUM
fsr-3874	78	3	)	)	PUNCT
fsr-3874	78	4	,	,	PUNCT
fsr-3874	78	5	that	that	PRON
fsr-3874	78	6	is	be	AUX
fsr-3874	78	7	the	the	DET
fsr-3874	78	8	theoretical	theoretical	ADJ
fsr-3874	78	9	basis	basis	NOUN
fsr-3874	78	10	for	for	ADP
fsr-3874	78	11	the	the	DET
fsr-3874	78	12	allocation	allocation	NOUN
fsr-3874	78	13	of	of	ADP
fsr-3874	78	14	an	an	DET
fsr-3874	78	15	individual	individual	NOUN
fsr-3874	78	16	’s	’s	PART
fsr-3874	78	17	portfolio	portfolio	NOUN
fsr-3874	78	18	into	into	ADP
fsr-3874	78	19	risky	risky	ADJ
fsr-3874	78	20	pension	pension	NOUN
fsr-3874	78	21	assets	asset	NOUN
fsr-3874	78	22	,	,	PUNCT
fsr-3874	78	23	the	the	DET
fsr-3874	78	24	estimating	estimate	VERB
fsr-3874	78	25	equation	equation	NOUN
fsr-3874	78	26	takes	take	VERB
fsr-3874	78	27	the	the	DET
fsr-3874	78	28	following	follow	VERB
fsr-3874	78	29	specification	specification	NOUN
fsr-3874	78	30	:	:	PUNCT
fsr-3874	78	31	alpha5	alpha5	PROPN
fsr-3874	78	32	b1	b1	PROPN
fsr-3874	78	33	1	1	NUM
fsr-3874	78	34	b2ln	b2ln	X
fsr-3874	78	35	wealth1	wealth1	PROPN
fsr-3874	78	36	b3age1	b3age1	NOUN
fsr-3874	78	37	b4age2	b4age2	NOUN
fsr-3874	78	38	1	1	NUM
fsr-3874	78	39	b5age	b5age	NUM
fsr-3874	78	40	-	-	PUNCT
fsr-3874	78	41	s	s	NOUN
fsr-3874	78	42	1	1	NUM
fsr-3874	78	43	b6age2	b6age2	NOUN
fsr-3874	78	44	-	-	PUNCT
fsr-3874	78	45	s1	s1	NOUN
fsr-3874	78	46	b7educ-12	b7educ-12	PROPN
fsr-3874	78	47	1	1	NUM
fsr-3874	78	48	b8black	b8black	NOUN
fsr-3874	78	49	1	1	NUM
fsr-3874	78	50	b9kids	b9kid	NOUN
fsr-3874	78	51	1	1	NUM
fsr-3874	78	52	b10single1	b10single1	ADJ
fsr-3874	78	53	b11humanj	b11humanj	PROPN
fsr-3874	78	54	1	1	NUM
fsr-3874	78	55	b12human	b12human	PROPN
fsr-3874	78	56	-	-	PUNCT
fsr-3874	78	57	s	s	NOUN
fsr-3874	78	58	1	1	NUM
fsr-3874	78	59	b13risky1	b13risky1	ADJ
fsr-3874	78	60	b14homeowner1	b14homeowner1	NOUN
fsr-3874	78	61	b15otherpens	b15otherpen	VERB
fsr-3874	78	62	1	1	NUM
fsr-3874	78	63	b16otherpens	b16otherpen	NOUN
fsr-3874	78	64	-	-	PUNCT
fsr-3874	78	65	s1	s1	NOUN
fsr-3874	78	66	b17lambda1	b17lambda1	NOUN
fsr-3874	78	67	m	m	PROPN
fsr-3874	78	68	,	,	PUNCT
fsr-3874	78	69	(	(	PUNCT
fsr-3874	78	70	5	5	NUM
fsr-3874	78	71	)	)	PUNCT
fsr-3874	78	72	where	where	SCONJ
fsr-3874	78	73	alpha	alpha	NOUN
fsr-3874	78	74	is	be	AUX
fsr-3874	78	75	the	the	DET
fsr-3874	78	76	ratio	ratio	NOUN
fsr-3874	78	77	of	of	ADP
fsr-3874	78	78	individual	individual	ADJ
fsr-3874	78	79	holdings	holding	NOUN
fsr-3874	78	80	of	of	ADP
fsr-3874	78	81	dollar	dollar	NOUN
fsr-3874	78	82	balances	balance	NOUN
fsr-3874	78	83	in	in	ADP
fsr-3874	78	84	dcps	dcp	NOUN
fsr-3874	78	85	to	to	ADP
fsr-3874	78	86	total	total	ADJ
fsr-3874	78	87	householdwealth	householdwealth	NOUN
fsr-3874	78	88	(	(	PUNCT
fsr-3874	78	89	wealth	wealth	NOUN
fsr-3874	78	90	)	)	PUNCT
fsr-3874	78	91	that	that	PRON
fsr-3874	78	92	includes	include	VERB
fsr-3874	78	93	both	both	CCONJ
fsr-3874	78	94	riskfree	riskfree	ADJ
fsr-3874	78	95	and	and	CCONJ
fsr-3874	78	96	risky	risky	ADJ
fsr-3874	78	97	assets	asset	NOUN
fsr-3874	78	98	.	.	PUNCT
fsr-3874	79	1	riskfree	riskfree	NOUN
fsr-3874	79	2	assets	asset	NOUN
fsr-3874	79	3	include	include	VERB
fsr-3874	79	4	dollar	dollar	NOUN
fsr-3874	79	5	balances	balance	NOUN
fsr-3874	79	6	in	in	ADP
fsr-3874	79	7	checking	checking	NOUN
fsr-3874	79	8	,	,	PUNCT
fsr-3874	79	9	savings	saving	NOUN
fsr-3874	79	10	,	,	PUNCT
fsr-3874	79	11	and	and	CCONJ
fsr-3874	79	12	money	money	NOUN
fsr-3874	79	13	market	market	NOUN
fsr-3874	79	14	accounts	account	NOUN
fsr-3874	79	15	,	,	PUNCT
fsr-3874	79	16	certificates	certificate	NOUN
fsr-3874	79	17	of	of	ADP
fsr-3874	79	18	deposit	deposit	NOUN
fsr-3874	79	19	,	,	PUNCT
fsr-3874	79	20	u.s	u.s	PROPN
fsr-3874	79	21	.	.	PROPN
fsr-3874	79	22	savings	saving	NOUN
fsr-3874	79	23	bonds	bond	NOUN
fsr-3874	79	24	,	,	PUNCT
fsr-3874	79	25	ira	ira	PROPN
fsr-3874	79	26	balances	balance	NOUN
fsr-3874	79	27	invested	invest	VERB
fsr-3874	79	28	in	in	ADP
fsr-3874	79	29	certificates	certificate	NOUN
fsr-3874	79	30	of	of	ADP
fsr-3874	79	31	deposit	deposit	NOUN
fsr-3874	79	32	or	or	CCONJ
fsr-3874	79	33	bank	bank	NOUN
fsr-3874	79	34	accounts	account	NOUN
fsr-3874	79	35	,	,	PUNCT
fsr-3874	79	36	and	and	CCONJ
fsr-3874	79	37	the	the	DET
fsr-3874	79	38	cash	cash	NOUN
fsr-3874	79	39	value	value	NOUN
fsr-3874	79	40	of	of	ADP
fsr-3874	79	41	life	life	NOUN
fsr-3874	79	42	insurance	insurance	NOUN
fsr-3874	79	43	less	less	ADJ
fsr-3874	79	44	policy	policy	NOUN
fsr-3874	79	45	loans	loan	NOUN
fsr-3874	79	46	outstanding	outstanding	ADJ
fsr-3874	79	47	.	.	PUNCT
fsr-3874	80	1	risky	risky	ADJ
fsr-3874	80	2	assets	asset	NOUN
fsr-3874	80	3	are	be	AUX
fsr-3874	80	4	the	the	DET
fsr-3874	80	5	sum	sum	NOUN
fsr-3874	80	6	of	of	ADP
fsr-3874	80	7	:	:	PUNCT
fsr-3874	80	8	balances	balance	NOUN
fsr-3874	80	9	in	in	ADP
fsr-3874	80	10	iras	ira	NOUN
fsr-3874	80	11	not	not	PART
fsr-3874	80	12	invested	invest	VERB
fsr-3874	80	13	in	in	ADP
fsr-3874	80	14	bank	bank	NOUN
fsr-3874	80	15	deposits	deposit	NOUN
fsr-3874	80	16	,	,	PUNCT
fsr-3874	80	17	stock	stock	NOUN
fsr-3874	80	18	holdings	holding	NOUN
fsr-3874	80	19	less	less	ADJ
fsr-3874	80	20	margin	margin	NOUN
fsr-3874	80	21	loans	loan	NOUN
fsr-3874	80	22	outstanding	outstanding	ADJ
fsr-3874	80	23	,	,	PUNCT
fsr-3874	80	24	bonds	bond	NOUN
fsr-3874	80	25	,	,	PUNCT
fsr-3874	80	26	trust	trust	NOUN
fsr-3874	80	27	assets	asset	NOUN
fsr-3874	80	28	,	,	PUNCT
fsr-3874	80	29	the	the	DET
fsr-3874	80	30	net	net	ADJ
fsr-3874	80	31	value	value	NOUN
fsr-3874	80	32	of	of	ADP
fsr-3874	80	33	real	real	ADJ
fsr-3874	80	34	estate	estate	NOUN
fsr-3874	80	35	other	other	ADJ
fsr-3874	80	36	than	than	ADP
fsr-3874	80	37	residential	residential	ADJ
fsr-3874	80	38	housing	housing	NOUN
fsr-3874	80	39	,	,	PUNCT
fsr-3874	80	40	the	the	DET
fsr-3874	80	41	net	net	ADJ
fsr-3874	80	42	value	value	NOUN
fsr-3874	80	43	of	of	ADP
fsr-3874	80	44	businesses	business	NOUN
fsr-3874	80	45	owned	own	VERB
fsr-3874	80	46	,	,	PUNCT
fsr-3874	80	47	the	the	DET
fsr-3874	80	48	net	net	ADJ
fsr-3874	80	49	value	value	NOUN
fsr-3874	80	50	of	of	ADP
fsr-3874	80	51	other	other	ADJ
fsr-3874	80	52	miscellaneous	miscellaneous	ADJ
fsr-3874	80	53	assets	asset	NOUN
fsr-3874	80	54	(	(	PUNCT
fsr-3874	80	55	e.g.	e.g.	ADV
fsr-3874	80	56	,	,	PUNCT
fsr-3874	80	57	precious	precious	ADJ
fsr-3874	80	58	metal	metal	NOUN
fsr-3874	80	59	,	,	PUNCT
fsr-3874	80	60	futures	future	NOUN
fsr-3874	80	61	contracts	contract	NOUN
fsr-3874	80	62	,	,	PUNCT
fsr-3874	80	63	art	art	NOUN
fsr-3874	80	64	work	work	NOUN
fsr-3874	80	65	,	,	PUNCT
fsr-3874	80	66	etc	etc	X
fsr-3874	80	67	.	.	X
fsr-3874	80	68	)	)	PUNCT
fsr-3874	80	69	reported	report	VERB
fsr-3874	80	70	by	by	ADP
fsr-3874	80	71	the	the	DET
fsr-3874	80	72	household	household	NOUN
fsr-3874	80	73	,	,	PUNCT
fsr-3874	80	74	and	and	CCONJ
fsr-3874	80	75	balances	balance	NOUN
fsr-3874	80	76	in	in	ADP
fsr-3874	80	77	dcps	dcp	NOUN
fsr-3874	80	78	.	.	PUNCT
fsr-3874	81	1	to	to	PART
fsr-3874	81	2	control	control	VERB
fsr-3874	81	3	for	for	ADP
fsr-3874	81	4	demographic	demographic	ADJ
fsr-3874	81	5	differences	difference	NOUN
fsr-3874	81	6	,	,	PUNCT
fsr-3874	81	7	the	the	DET
fsr-3874	81	8	specification	specification	NOUN
fsr-3874	81	9	includes	include	VERB
fsr-3874	81	10	:	:	PUNCT
fsr-3874	81	11	age	age	NOUN
fsr-3874	81	12	andage2	andage2	PROPN
fsr-3874	81	13	,	,	PUNCT
fsr-3874	81	14	the	the	DET
fsr-3874	81	15	individual	individual	NOUN
fsr-3874	81	16	’s	’s	PART
fsr-3874	81	17	age	age	NOUN
fsr-3874	81	18	in	in	ADP
fsr-3874	81	19	years	year	NOUN
fsr-3874	81	20	and	and	CCONJ
fsr-3874	81	21	it	it	PRON
fsr-3874	81	22	’s	’	VERB
fsr-3874	81	23	square;age	square;age	NOUN
fsr-3874	81	24	-	-	PUNCT
fsr-3874	81	25	sandage2	sandage2	NOUN
fsr-3874	81	26	-	-	PUNCT
fsr-3874	81	27	s	s	PROPN
fsr-3874	81	28	,	,	PUNCT
fsr-3874	81	29	age	age	NOUN
fsr-3874	81	30	and	and	CCONJ
fsr-3874	81	31	age	age	NOUN
fsr-3874	81	32	squared	square	VERB
fsr-3874	81	33	of	of	ADP
fsr-3874	81	34	the	the	DET
fsr-3874	81	35	spouse	spouse	NOUN
fsr-3874	81	36	,	,	PUNCT
fsr-3874	81	37	if	if	SCONJ
fsr-3874	81	38	any;educ-12	any;educ-12	NOUN
fsr-3874	81	39	,	,	PUNCT
fsr-3874	81	40	a	a	DET
fsr-3874	81	41	dummy	dummy	ADJ
fsr-3874	81	42	variable	variable	NOUN
fsr-3874	81	43	that	that	PRON
fsr-3874	81	44	equals	equal	VERB
fsr-3874	81	45	one	one	NUM
fsr-3874	81	46	if	if	SCONJ
fsr-3874	81	47	the	the	DET
fsr-3874	81	48	individual	individual	NOUN
fsr-3874	81	49	has	have	AUX
fsr-3874	81	50	completed	complete	VERB
fsr-3874	81	51	more	more	ADJ
fsr-3874	81	52	than	than	ADP
fsr-3874	81	53	12	12	NUM
fsr-3874	81	54	years	year	NOUN
fsr-3874	81	55	of	of	ADP
fsr-3874	81	56	schooling;black	schooling;black	NOUN
fsr-3874	81	57	,	,	PUNCT
fsr-3874	81	58	a	a	DET
fsr-3874	81	59	dummy	dummy	ADJ
fsr-3874	81	60	variable	variable	NOUN
fsr-3874	81	61	that	that	PRON
fsr-3874	81	62	equals	equal	VERB
fsr-3874	81	63	one	one	NUM
fsr-3874	81	64	if	if	SCONJ
fsr-3874	81	65	the	the	DET
fsr-3874	81	66	individual	individual	NOUN
fsr-3874	81	67	’s	’s	PART
fsr-3874	81	68	race	race	NOUN
fsr-3874	81	69	is	be	AUX
fsr-3874	81	70	reported	report	VERB
fsr-3874	81	71	as	as	ADP
fsr-3874	81	72	black;kids	black;kid	NOUN
fsr-3874	81	73	,	,	PUNCT
fsr-3874	81	74	the	the	DET
fsr-3874	81	75	number	number	NOUN
fsr-3874	81	76	of	of	ADP
fsr-3874	81	77	children	child	NOUN
fsr-3874	81	78	living	live	VERB
fsr-3874	81	79	in	in	ADP
fsr-3874	81	80	the	the	DET
fsr-3874	81	81	household	household	NOUN
fsr-3874	81	82	;	;	PUNCT
fsr-3874	81	83	and	and	CCONJ
fsr-3874	81	84	single	single	ADJ
fsr-3874	81	85	,	,	PUNCT
fsr-3874	81	86	a	a	DET
fsr-3874	81	87	dummy	dummy	ADJ
fsr-3874	81	88	variable	variable	NOUN
fsr-3874	81	89	equal	equal	ADJ
fsr-3874	81	90	to	to	ADP
fsr-3874	81	91	one	one	NUM
fsr-3874	81	92	if	if	SCONJ
fsr-3874	81	93	the	the	DET
fsr-3874	81	94	individual	individual	NOUN
fsr-3874	81	95	’s	’s	PART
fsr-3874	81	96	marital	marital	ADJ
fsr-3874	81	97	status	status	NOUN
fsr-3874	81	98	is	be	AUX
fsr-3874	81	99	not	not	PART
fsr-3874	81	100	reported	report	VERB
fsr-3874	81	101	to	to	PART
fsr-3874	81	102	be	be	AUX
fsr-3874	81	103	married	marry	VERB
fsr-3874	81	104	or	or	CCONJ
fsr-3874	81	105	living	live	VERB
fsr-3874	81	106	with	with	ADP
fsr-3874	81	107	a	a	DET
fsr-3874	81	108	partner	partner	NOUN
fsr-3874	81	109	.	.	PUNCT
fsr-3874	82	1	a	a	DET
fsr-3874	82	2	number	number	NOUN
fsr-3874	82	3	of	of	ADP
fsr-3874	82	4	variables	variable	NOUN
fsr-3874	82	5	are	be	AUX
fsr-3874	82	6	included	include	VERB
fsr-3874	82	7	to	to	PART
fsr-3874	82	8	capture	capture	VERB
fsr-3874	82	9	other	other	ADJ
fsr-3874	82	10	aspects	aspect	NOUN
fsr-3874	82	11	of	of	ADP
fsr-3874	82	12	the	the	DET
fsr-3874	82	13	individual	individual	NOUN
fsr-3874	82	14	’s	’s	PART
fsr-3874	82	15	portfolio	portfolio	NOUN
fsr-3874	82	16	.	.	PUNCT
fsr-3874	83	1	riskyis	riskyis	VERB
fsr-3874	83	2	the	the	DET
fsr-3874	83	3	ratio	ratio	NOUN
fsr-3874	83	4	of	of	ADP
fsr-3874	83	5	other	other	ADJ
fsr-3874	83	6	risky	risky	ADJ
fsr-3874	83	7	assets	asset	NOUN
fsr-3874	83	8	,	,	PUNCT
fsr-3874	83	9	excluding	exclude	VERB
fsr-3874	83	10	assets	asset	NOUN
fsr-3874	83	11	held	hold	VERB
fsr-3874	83	12	in	in	ADP
fsr-3874	83	13	dcps	dcp	NOUN
fsr-3874	83	14	,	,	PUNCT
fsr-3874	83	15	towealth(the	towealth(the	DET
fsr-3874	83	16	empirical	empirical	ADJ
fsr-3874	83	17	estimate	estimate	NOUN
fsr-3874	83	18	ofak	ofak	ADJ
fsr-3874	83	19	)	)	PUNCT
fsr-3874	83	20	in	in	ADP
fsr-3874	83	21	eq	eq	ADP
fsr-3874	83	22	.	.	PUNCT
fsr-3874	84	1	(	(	PUNCT
fsr-3874	84	2	4	4	NUM
fsr-3874	84	3	)	)	PUNCT
fsr-3874	84	4	.	.	PUNCT
fsr-3874	85	1	other	other	ADJ
fsr-3874	85	2	risky	risky	ADJ
fsr-3874	85	3	assets	asset	NOUN
fsr-3874	85	4	are	be	AUX
fsr-3874	85	5	all	all	PRON
fsr-3874	85	6	household	household	NOUN
fsr-3874	85	7	risky	risky	ADJ
fsr-3874	85	8	assets	asset	NOUN
fsr-3874	85	9	except	except	SCONJ
fsr-3874	85	10	those	those	DET
fsr-3874	85	11	included	include	VERB
fsr-3874	85	12	inalphaij	inalphaij	PROPN
fsr-3874	85	13	.	.	PUNCT
fsr-3874	86	1	human	human	PROPN
fsr-3874	86	2	andhuman	andhuman	PROPN
fsr-3874	86	3	-	-	PROPN
fsr-3874	86	4	sare	sare	PROPN
fsr-3874	86	5	the	the	DET
fsr-3874	86	6	ratios	ratio	NOUN
fsr-3874	86	7	of	of	ADP
fsr-3874	86	8	the	the	DET
fsr-3874	86	9	individual	individual	NOUN
fsr-3874	86	10	’s	’s	PART
fsr-3874	86	11	and	and	CCONJ
fsr-3874	86	12	spouse	spouse	NOUN
fsr-3874	86	13	’s	’s	PART
fsr-3874	87	1	(	(	PUNCT
fsr-3874	87	2	if	if	SCONJ
fsr-3874	87	3	any	any	PRON
fsr-3874	87	4	)	)	PUNCT
fsr-3874	87	5	human	human	ADJ
fsr-3874	87	6	capital	capital	NOUN
fsr-3874	87	7	to	to	ADP
fsr-3874	87	8	wealth	wealth	NOUN
fsr-3874	87	9	,	,	PUNCT
fsr-3874	87	10	respectively	respectively	ADV
fsr-3874	87	11	.	.	PUNCT
fsr-3874	88	1	human	human	ADJ
fsr-3874	88	2	capital	capital	NOUN
fsr-3874	88	3	for	for	ADP
fsr-3874	88	4	each	each	DET
fsr-3874	88	5	individual	individual	NOUN
fsr-3874	88	6	is	be	AUX
fsr-3874	88	7	calculated	calculate	VERB
fsr-3874	88	8	as	as	ADP
fsr-3874	88	9	the	the	DET
fsr-3874	88	10	present	present	ADJ
fsr-3874	88	11	value	value	NOUN
fsr-3874	88	12	of	of	ADP
fsr-3874	88	13	the	the	DET
fsr-3874	88	14	stream	stream	NOUN
fsr-3874	88	15	of	of	ADP
fsr-3874	88	16	future	future	ADJ
fsr-3874	88	17	earnings	earning	NOUN
fsr-3874	88	18	,	,	PUNCT
fsr-3874	88	19	assuming	assume	VERB
fsr-3874	88	20	that	that	SCONJ
fsr-3874	88	21	current	current	ADJ
fsr-3874	88	22	wages	wage	NOUN
fsr-3874	88	23	,	,	PUNCT
fsr-3874	88	24	salaries	salary	NOUN
fsr-3874	88	25	,	,	PUNCT
fsr-3874	88	26	and/or	and/or	CCONJ
fsr-3874	88	27	self	self	NOUN
fsr-3874	88	28	-	-	PUNCT
fsr-3874	88	29	employment	employment	NOUN
fsr-3874	88	30	earnings	earning	NOUN
fsr-3874	88	31	grow	grow	VERB
fsr-3874	88	32	at	at	ADP
fsr-3874	88	33	a	a	DET
fsr-3874	88	34	constant	constant	ADJ
fsr-3874	88	35	rate	rate	NOUN
fsr-3874	88	36	until	until	ADP
fsr-3874	88	37	retirement	retirement	NOUN
fsr-3874	88	38	.	.	PUNCT
fsr-3874	89	1	retirement	retirement	NOUN
fsr-3874	89	2	is	be	AUX
fsr-3874	89	3	assumed	assume	VERB
fsr-3874	89	4	at	at	ADP
fsr-3874	89	5	age	age	NOUN
fsr-3874	89	6	65	65	NUM
fsr-3874	89	7	for	for	ADP
fsr-3874	89	8	those	those	DET
fsr-3874	89	9	65	65	NUM
fsr-3874	89	10	or	or	CCONJ
fsr-3874	89	11	younger	young	ADJ
fsr-3874	89	12	.	.	PUNCT
fsr-3874	90	1	if	if	SCONJ
fsr-3874	90	2	the	the	DET
fsr-3874	90	3	individual	individual	NOUN
fsr-3874	90	4	is	be	AUX
fsr-3874	90	5	still	still	ADV
fsr-3874	90	6	working	work	VERB
fsr-3874	90	7	and	and	CCONJ
fsr-3874	90	8	between	between	ADP
fsr-3874	90	9	the	the	DET
fsr-3874	90	10	ages	age	NOUN
fsr-3874	90	11	65	65	NUM
fsr-3874	90	12	and	and	CCONJ
fsr-3874	90	13	69	69	NUM
fsr-3874	90	14	,	,	PUNCT
fsr-3874	90	15	current	current	ADJ
fsr-3874	90	16	earnings	earning	NOUN
fsr-3874	90	17	are	be	AUX
fsr-3874	90	18	assumed	assume	VERB
fsr-3874	90	19	to	to	PART
fsr-3874	90	20	continue	continue	VERB
fsr-3874	90	21	for	for	ADP
fsr-3874	90	22	four	four	NUM
fsr-3874	90	23	more	more	ADJ
fsr-3874	90	24	years	year	NOUN
fsr-3874	90	25	;	;	PUNCT
fsr-3874	90	26	if	if	SCONJ
fsr-3874	90	27	between	between	ADP
fsr-3874	90	28	70	70	NUM
fsr-3874	90	29	and	and	CCONJ
fsr-3874	90	30	74	74	NUM
fsr-3874	90	31	,	,	PUNCT
fsr-3874	90	32	to	to	PART
fsr-3874	90	33	continue	continue	VERB
fsr-3874	90	34	for	for	ADP
fsr-3874	90	35	three	three	NUM
fsr-3874	90	36	more	more	ADJ
fsr-3874	90	37	years	year	NOUN
fsr-3874	90	38	;	;	PUNCT
fsr-3874	90	39	if	if	SCONJ
fsr-3874	90	40	between	between	ADP
fsr-3874	90	41	75	75	NUM
fsr-3874	90	42	and	and	CCONJ
fsr-3874	90	43	79	79	NUM
fsr-3874	90	44	,	,	PUNCT
fsr-3874	90	45	to	to	PART
fsr-3874	90	46	continue	continue	VERB
fsr-3874	90	47	for	for	ADP
fsr-3874	90	48	two	two	NUM
fsr-3874	90	49	more	more	ADJ
fsr-3874	90	50	years	year	NOUN
fsr-3874	90	51	;	;	PUNCT
fsr-3874	90	52	and	and	CCONJ
fsr-3874	90	53	if	if	SCONJ
fsr-3874	90	54	over	over	ADP
fsr-3874	90	55	79	79	NUM
fsr-3874	90	56	,	,	PUNCT
fsr-3874	90	57	for	for	ADP
fsr-3874	90	58	one	one	NUM
fsr-3874	90	59	more	more	ADJ
fsr-3874	90	60	year	year	NOUN
fsr-3874	90	61	,	,	PUNCT
fsr-3874	90	62	consistent	consistent	ADJ
fsr-3874	90	63	with	with	ADP
fsr-3874	90	64	friend	friend	NOUN
fsr-3874	90	65	and	and	CCONJ
fsr-3874	90	66	blume	blume	PROPN
fsr-3874	90	67	(	(	PUNCT
fsr-3874	90	68	1975	1975	NUM
fsr-3874	90	69	)	)	PUNCT
fsr-3874	90	70	.	.	PUNCT
fsr-3874	91	1	the	the	DET
fsr-3874	91	2	discount	discount	NOUN
fsr-3874	91	3	rate	rate	NOUN
fsr-3874	91	4	is	be	AUX
fsr-3874	91	5	assumed	assume	VERB
fsr-3874	91	6	to	to	PART
fsr-3874	91	7	be	be	AUX
fsr-3874	91	8	2	2	NUM
fsr-3874	91	9	%	%	NOUN
fsr-3874	91	10	,	,	PUNCT
fsr-3874	91	11	which	which	PRON
fsr-3874	91	12	approximates	approximate	VERB
fsr-3874	91	13	the	the	DET
fsr-3874	91	14	long	long	ADJ
fsr-3874	91	15	run	run	NOUN
fsr-3874	91	16	growth	growth	NOUN
fsr-3874	91	17	in	in	ADP
fsr-3874	91	18	real	real	ADJ
fsr-3874	91	19	gdp	gdp	NOUN
fsr-3874	91	20	.	.	PUNCT
fsr-3874	92	1	although	although	SCONJ
fsr-3874	92	2	this	this	DET
fsr-3874	92	3	measure	measure	NOUN
fsr-3874	92	4	of	of	ADP
fsr-3874	92	5	human	human	ADJ
fsr-3874	92	6	capital	capital	NOUN
fsr-3874	92	7	is	be	AUX
fsr-3874	92	8	obviously	obviously	ADV
fsr-3874	92	9	an	an	DET
fsr-3874	92	10	approximation	approximation	NOUN
fsr-3874	92	11	,	,	PUNCT
fsr-3874	92	12	analysis	analysis	NOUN
fsr-3874	92	13	by	by	ADP
fsr-3874	92	14	thornton	thornton	PROPN
fsr-3874	92	15	,	,	PUNCT
fsr-3874	92	16	rodgers	rodger	NOUN
fsr-3874	92	17	,	,	PUNCT
fsr-3874	92	18	and	and	CCONJ
fsr-3874	92	19	brookshire	brookshire	NOUN
fsr-3874	92	20	(	(	PUNCT
fsr-3874	92	21	1997	1997	NUM
fsr-3874	92	22	)	)	PUNCT
fsr-3874	92	23	suggests	suggest	VERB
fsr-3874	92	24	that	that	SCONJ
fsr-3874	92	25	the	the	DET
fsr-3874	92	26	assumption	assumption	NOUN
fsr-3874	92	27	of	of	ADP
fsr-3874	92	28	a	a	DET
fsr-3874	92	29	constant	constant	ADJ
fsr-3874	92	30	growth	growth	NOUN
fsr-3874	92	31	rate	rate	NOUN
fsr-3874	92	32	5v.l	5v.l	NUM
fsr-3874	92	33	.	.	PUNCT
fsr-3874	93	1	bajtelsmit	bajtelsmit	NOUN
fsr-3874	93	2	et	et	PROPN
fsr-3874	93	3	al	al	PROPN
fsr-3874	93	4	.	.	PUNCT
fsr-3874	93	5	/	/	SYM
fsr-3874	93	6	financial	financial	ADJ
fsr-3874	93	7	services	service	NOUN
fsr-3874	93	8	review	review	VERB
fsr-3874	93	9	8	8	NUM
fsr-3874	93	10	(	(	PUNCT
fsr-3874	93	11	1999	1999	NUM
fsr-3874	93	12	)	)	PUNCT
fsr-3874	93	13	1–10	1–10	NOUN
fsr-3874	93	14	of	of	ADP
fsr-3874	93	15	earnings	earning	NOUN
fsr-3874	93	16	,	,	PUNCT
fsr-3874	93	17	rather	rather	ADV
fsr-3874	93	18	than	than	ADP
fsr-3874	93	19	the	the	DET
fsr-3874	93	20	traditional	traditional	ADJ
fsr-3874	93	21	inverted	invert	VERB
fsr-3874	93	22	u	u	ADJ
fsr-3874	93	23	-	-	ADJ
fsr-3874	93	24	shaped	shape	VERB
fsr-3874	93	25	pattern	pattern	NOUN
fsr-3874	93	26	,	,	PUNCT
fsr-3874	93	27	is	be	AUX
fsr-3874	93	28	supported	support	VERB
fsr-3874	93	29	by	by	ADP
fsr-3874	93	30	longitudinal	longitudinal	ADJ
fsr-3874	93	31	data	datum	NOUN
fsr-3874	93	32	.	.	PUNCT
fsr-3874	94	1	given	give	VERB
fsr-3874	94	2	the	the	DET
fsr-3874	94	3	ambiguity	ambiguity	NOUN
fsr-3874	94	4	between	between	ADP
fsr-3874	94	5	investment	investment	NOUN
fsr-3874	94	6	and	and	CCONJ
fsr-3874	94	7	consumption	consumption	NOUN
fsr-3874	94	8	aspects	aspect	NOUN
fsr-3874	94	9	of	of	ADP
fsr-3874	94	10	residential	residential	ADJ
fsr-3874	94	11	housing	housing	NOUN
fsr-3874	94	12	,	,	PUNCT
fsr-3874	94	13	rather	rather	ADV
fsr-3874	94	14	than	than	ADP
fsr-3874	94	15	including	include	VERB
fsr-3874	94	16	it	it	PRON
fsr-3874	94	17	as	as	ADP
fsr-3874	94	18	a	a	DET
fsr-3874	94	19	risky	risky	ADJ
fsr-3874	94	20	asset	asset	NOUN
fsr-3874	94	21	,	,	PUNCT
fsr-3874	94	22	we	we	PRON
fsr-3874	94	23	have	have	AUX
fsr-3874	94	24	included	include	VERB
fsr-3874	94	25	a	a	DET
fsr-3874	94	26	dummy	dummy	ADJ
fsr-3874	94	27	variable	variable	NOUN
fsr-3874	94	28	,	,	PUNCT
fsr-3874	94	29	homeowner	homeowner	NOUN
fsr-3874	94	30	that	that	PRON
fsr-3874	94	31	equals	equal	VERB
fsr-3874	94	32	one	one	NUM
fsr-3874	94	33	if	if	SCONJ
fsr-3874	94	34	the	the	DET
fsr-3874	94	35	respondent	respondent	NOUN
fsr-3874	94	36	owns	own	VERB
fsr-3874	94	37	a	a	DET
fsr-3874	94	38	house.otherpensand	house.otherpensand	NUM
fsr-3874	94	39	otherpens	otherpens	PROPN
fsr-3874	94	40	-	-	PUNCT
fsr-3874	94	41	sare	sare	PROPN
fsr-3874	94	42	dummy	dummy	PROPN
fsr-3874	94	43	variables	variable	NOUN
fsr-3874	94	44	that	that	PRON
fsr-3874	94	45	equal	equal	VERB
fsr-3874	94	46	one	one	NOUN
fsr-3874	94	47	if	if	SCONJ
fsr-3874	94	48	the	the	DET
fsr-3874	94	49	individual	individual	NOUN
fsr-3874	94	50	or	or	CCONJ
fsr-3874	94	51	spouse	spouse	NOUN
fsr-3874	94	52	,	,	PUNCT
fsr-3874	94	53	respectively	respectively	ADV
fsr-3874	94	54	,	,	PUNCT
fsr-3874	94	55	reports	report	VERB
fsr-3874	94	56	entitlement	entitlement	NOUN
fsr-3874	94	57	to	to	ADP
fsr-3874	94	58	defined	define	VERB
fsr-3874	94	59	benefit	benefit	NOUN
fsr-3874	94	60	pensions	pension	NOUN
fsr-3874	94	61	.	.	PUNCT
fsr-3874	95	1	following	follow	VERB
fsr-3874	95	2	previous	previous	ADJ
fsr-3874	95	3	research	research	NOUN
fsr-3874	95	4	,	,	PUNCT
fsr-3874	95	5	the	the	DET
fsr-3874	95	6	sample	sample	NOUN
fsr-3874	95	7	is	be	AUX
fsr-3874	95	8	limited	limit	VERB
fsr-3874	95	9	to	to	ADP
fsr-3874	95	10	those	those	DET
fsr-3874	95	11	individuals	individual	NOUN
fsr-3874	95	12	withwealthj	withwealthj	VERB
fsr-3874	95	13	greater	great	ADJ
fsr-3874	95	14	than	than	ADP
fsr-3874	95	15	$	$	SYM
fsr-3874	95	16	1	1	NUM
fsr-3874	95	17	,	,	PUNCT
fsr-3874	95	18	000	000	NUM
fsr-3874	95	19	.	.	PUNCT
fsr-3874	96	1	furthermore	furthermore	ADV
fsr-3874	96	2	,	,	PUNCT
fsr-3874	96	3	the	the	DET
fsr-3874	96	4	nature	nature	NOUN
fsr-3874	96	5	of	of	ADP
fsr-3874	96	6	the	the	DET
fsr-3874	96	7	question	question	NOUN
fsr-3874	96	8	under	under	ADP
fsr-3874	96	9	consideration	consideration	NOUN
fsr-3874	96	10	requires	require	VERB
fsr-3874	96	11	that	that	SCONJ
fsr-3874	96	12	the	the	DET
fsr-3874	96	13	sample	sample	NOUN
fsr-3874	96	14	be	be	AUX
fsr-3874	96	15	limited	limit	VERB
fsr-3874	96	16	to	to	ADP
fsr-3874	96	17	those	those	DET
fsr-3874	96	18	individuals	individual	NOUN
fsr-3874	96	19	with	with	ADP
fsr-3874	96	20	defined	define	VERB
fsr-3874	96	21	contribution	contribution	NOUN
fsr-3874	96	22	pensions	pension	NOUN
fsr-3874	96	23	.	.	PUNCT
fsr-3874	97	1	if	if	SCONJ
fsr-3874	97	2	sample	sample	NOUN
fsr-3874	97	3	selection	selection	NOUN
fsr-3874	97	4	were	be	AUX
fsr-3874	97	5	random	random	ADJ
fsr-3874	97	6	,	,	PUNCT
fsr-3874	97	7	ols	ol	NOUN
fsr-3874	97	8	would	would	AUX
fsr-3874	97	9	be	be	AUX
fsr-3874	97	10	an	an	DET
fsr-3874	97	11	appropriate	appropriate	ADJ
fsr-3874	97	12	estimation	estimation	NOUN
fsr-3874	97	13	technique	technique	NOUN
fsr-3874	97	14	.	.	PUNCT
fsr-3874	98	1	however	however	ADV
fsr-3874	98	2	,	,	PUNCT
fsr-3874	98	3	if	if	SCONJ
fsr-3874	98	4	the	the	DET
fsr-3874	98	5	sample	sample	NOUN
fsr-3874	98	6	selection	selection	NOUN
fsr-3874	98	7	is	be	AUX
fsr-3874	98	8	not	not	PART
fsr-3874	98	9	random	random	ADJ
fsr-3874	98	10	,	,	PUNCT
fsr-3874	98	11	ols	ols	PROPN
fsr-3874	98	12	yields	yield	VERB
fsr-3874	98	13	inconsistent	inconsistent	ADJ
fsr-3874	98	14	results	result	NOUN
fsr-3874	98	15	(	(	PUNCT
fsr-3874	98	16	greene	greene	PROPN
fsr-3874	98	17	,	,	PUNCT
fsr-3874	98	18	1993	1993	NUM
fsr-3874	98	19	)	)	PUNCT
fsr-3874	98	20	.	.	PUNCT
fsr-3874	99	1	to	to	PART
fsr-3874	99	2	correct	correct	VERB
fsr-3874	99	3	for	for	ADP
fsr-3874	99	4	possible	possible	ADJ
fsr-3874	99	5	sample	sample	NOUN
fsr-3874	99	6	selection	selection	NOUN
fsr-3874	99	7	bias	bias	NOUN
fsr-3874	99	8	,	,	PUNCT
fsr-3874	99	9	heckman	heckman	PROPN
fsr-3874	99	10	’s	’s	PART
fsr-3874	99	11	(	(	PUNCT
fsr-3874	99	12	1979	1979	NUM
fsr-3874	99	13	)	)	PUNCT
fsr-3874	99	14	two	two	NUM
fsr-3874	99	15	-	-	PUNCT
fsr-3874	99	16	step	step	NOUN
fsr-3874	99	17	procedure	procedure	NOUN
fsr-3874	99	18	is	be	AUX
fsr-3874	99	19	employed	employ	VERB
fsr-3874	99	20	.	.	PUNCT
fsr-3874	100	1	a	a	DET
fsr-3874	100	2	probit	probit	NOUN
fsr-3874	100	3	regression	regression	NOUN
fsr-3874	100	4	of	of	ADP
fsr-3874	100	5	the	the	DET
fsr-3874	100	6	factors	factor	NOUN
fsr-3874	100	7	that	that	PRON
fsr-3874	100	8	influence	influence	VERB
fsr-3874	100	9	inclusion	inclusion	NOUN
fsr-3874	100	10	in	in	ADP
fsr-3874	100	11	the	the	DET
fsr-3874	100	12	sample	sample	NOUN
fsr-3874	100	13	is	be	AUX
fsr-3874	100	14	estimated	estimate	VERB
fsr-3874	100	15	over	over	ADP
fsr-3874	100	16	all	all	DET
fsr-3874	100	17	observations	observation	NOUN
fsr-3874	100	18	jointly	jointly	ADV
fsr-3874	100	19	with	with	ADP
fsr-3874	100	20	eq	eq	NOUN
fsr-3874	100	21	.	.	PUNCT
fsr-3874	101	1	(	(	PUNCT
fsr-3874	101	2	5	5	NUM
fsr-3874	101	3	)	)	PUNCT
fsr-3874	101	4	.	.	PUNCT
fsr-3874	102	1	the	the	DET
fsr-3874	102	2	specification	specification	NOUN
fsr-3874	102	3	of	of	ADP
fsr-3874	102	4	the	the	DET
fsr-3874	102	5	probit	probit	NOUN
fsr-3874	102	6	equation	equation	NOUN
fsr-3874	102	7	is	be	AUX
fsr-3874	102	8	:	:	PUNCT
fsr-3874	102	9	hasdc5	hasdc5	PROPN
fsr-3874	102	10	g1	g1	PROPN
fsr-3874	102	11	1	1	NUM
fsr-3874	102	12	g2age1	g2age1	NOUN
fsr-3874	102	13	g3union	g3union	NOUN
fsr-3874	102	14	1	1	NUM
fsr-3874	102	15	g4bigfirm	g4bigfirm	NOUN
fsr-3874	102	16	1	1	NUM
fsr-3874	102	17	g5prof1	g5prof1	NOUN
fsr-3874	102	18	g6sales	g6sale	NOUN
fsr-3874	102	19	1	1	NUM
fsr-3874	102	20	g7crafts1	g7crafts1	PROPN
fsr-3874	102	21	g8labor1	g8labor1	PROPN
fsr-3874	102	22	g9farm1	g9farm1	PROPN
fsr-3874	102	23	y	y	PROPN
fsr-3874	102	24	,	,	PUNCT
fsr-3874	102	25	(	(	PUNCT
fsr-3874	102	26	6	6	X
fsr-3874	102	27	)	)	PUNCT
fsr-3874	102	28	wherehasdc	wherehasdc	NOUN
fsr-3874	102	29	is	be	AUX
fsr-3874	102	30	a	a	DET
fsr-3874	102	31	dummy	dummy	ADJ
fsr-3874	102	32	variable	variable	NOUN
fsr-3874	102	33	that	that	PRON
fsr-3874	102	34	equals	equal	VERB
fsr-3874	102	35	one	one	NUM
fsr-3874	102	36	if	if	SCONJ
fsr-3874	102	37	the	the	DET
fsr-3874	102	38	individual	individual	NOUN
fsr-3874	102	39	has	have	VERB
fsr-3874	102	40	a	a	DET
fsr-3874	102	41	defined	define	VERB
fsr-3874	102	42	contribution	contribution	NOUN
fsr-3874	102	43	pension	pension	NOUN
fsr-3874	102	44	and	and	CCONJ
fsr-3874	102	45	haswealthgreater	haswealthgreater	NOUN
fsr-3874	102	46	than	than	ADP
fsr-3874	102	47	$	$	SYM
fsr-3874	102	48	1	1	NUM
fsr-3874	102	49	,	,	PUNCT
fsr-3874	102	50	000	000	NUM
fsr-3874	102	51	.	.	PUNCT
fsr-3874	103	1	the	the	DET
fsr-3874	103	2	explanatory	explanatory	ADJ
fsr-3874	103	3	variables	variable	NOUN
fsr-3874	103	4	include	include	VERB
fsr-3874	103	5	:	:	PUNCT
fsr-3874	103	6	age	age	NOUN
fsr-3874	103	7	,	,	PUNCT
fsr-3874	103	8	union	union	NOUN
fsr-3874	103	9	,	,	PUNCT
fsr-3874	103	10	a	a	DET
fsr-3874	103	11	dummy	dummy	ADJ
fsr-3874	103	12	variable	variable	NOUN
fsr-3874	103	13	that	that	PRON
fsr-3874	103	14	equals	equal	VERB
fsr-3874	103	15	one	one	NUM
fsr-3874	103	16	if	if	SCONJ
fsr-3874	103	17	the	the	DET
fsr-3874	103	18	individual	individual	NOUN
fsr-3874	103	19	belongs	belong	VERB
fsr-3874	103	20	to	to	ADP
fsr-3874	103	21	a	a	DET
fsr-3874	103	22	union	union	NOUN
fsr-3874	103	23	,	,	PUNCT
fsr-3874	103	24	bigfirm	bigfirm	PROPN
fsr-3874	103	25	,	,	PUNCT
fsr-3874	103	26	a	a	DET
fsr-3874	103	27	dummy	dummy	ADJ
fsr-3874	103	28	variable	variable	NOUN
fsr-3874	103	29	that	that	PRON
fsr-3874	103	30	equals	equal	VERB
fsr-3874	103	31	one	one	NUM
fsr-3874	103	32	if	if	SCONJ
fsr-3874	103	33	the	the	DET
fsr-3874	103	34	individual	individual	NOUN
fsr-3874	103	35	works	work	VERB
fsr-3874	103	36	for	for	ADP
fsr-3874	103	37	a	a	DET
fsr-3874	103	38	firm	firm	NOUN
fsr-3874	103	39	employing	employ	VERB
fsr-3874	103	40	over	over	ADP
fsr-3874	103	41	500	500	NUM
fsr-3874	103	42	people	people	NOUN
fsr-3874	103	43	,	,	PUNCT
fsr-3874	103	44	and	and	CCONJ
fsr-3874	103	45	a	a	DET
fsr-3874	103	46	set	set	NOUN
fsr-3874	103	47	of	of	ADP
fsr-3874	103	48	five	five	NUM
fsr-3874	103	49	occupational	occupational	ADJ
fsr-3874	103	50	dummies	dummy	NOUN
fsr-3874	103	51	(	(	PUNCT
fsr-3874	103	52	prof	prof	NOUN
fsr-3874	103	53	,	,	PUNCT
fsr-3874	103	54	sales	sale	NOUN
fsr-3874	103	55	,	,	PUNCT
fsr-3874	103	56	crafts	craft	NOUN
fsr-3874	103	57	,	,	PUNCT
fsr-3874	103	58	labor	labor	NOUN
fsr-3874	103	59	,	,	PUNCT
fsr-3874	103	60	andfarm	andfarm	PROPN
fsr-3874	103	61	)	)	PUNCT
fsr-3874	103	62	,	,	PUNCT
fsr-3874	103	63	where	where	SCONJ
fsr-3874	103	64	the	the	DET
fsr-3874	103	65	excluded	exclude	VERB
fsr-3874	103	66	occupational	occupational	ADJ
fsr-3874	103	67	category	category	NOUN
fsr-3874	103	68	is	be	AUX
fsr-3874	103	69	service	service	NOUN
fsr-3874	103	70	jobs	job	NOUN
fsr-3874	103	71	.	.	PUNCT
fsr-3874	104	1	an	an	DET
fsr-3874	104	2	estimate	estimate	NOUN
fsr-3874	104	3	of	of	ADP
fsr-3874	104	4	the	the	DET
fsr-3874	104	5	inverse	inverse	NOUN
fsr-3874	104	6	mill	mill	NOUN
fsr-3874	104	7	’s	’s	PART
fsr-3874	104	8	ratio	ratio	NOUN
fsr-3874	104	9	is	be	AUX
fsr-3874	104	10	calculated	calculate	VERB
fsr-3874	104	11	from	from	ADP
fsr-3874	104	12	this	this	DET
fsr-3874	104	13	equation	equation	NOUN
fsr-3874	104	14	and	and	CCONJ
fsr-3874	104	15	included	include	VERB
fsr-3874	104	16	in	in	ADP
fsr-3874	104	17	eq	eq	ADP
fsr-3874	104	18	.	.	PUNCT
fsr-3874	105	1	(	(	PUNCT
fsr-3874	105	2	5	5	NUM
fsr-3874	105	3	)	)	PUNCT
fsr-3874	105	4	as	as	ADP
fsr-3874	105	5	the	the	DET
fsr-3874	105	6	variable	variable	ADJ
fsr-3874	105	7	lambda	lambda	NOUN
fsr-3874	105	8	.	.	PUNCT
fsr-3874	106	1	3.3	3.3	NUM
fsr-3874	106	2	.	.	PUNCT
fsr-3874	106	3	results	result	NOUN
fsr-3874	106	4	because	because	SCONJ
fsr-3874	106	5	the	the	DET
fsr-3874	106	6	sample	sample	NOUN
fsr-3874	106	7	used	use	VERB
fsr-3874	106	8	for	for	ADP
fsr-3874	106	9	analysis	analysis	NOUN
fsr-3874	106	10	in	in	ADP
fsr-3874	106	11	this	this	DET
fsr-3874	106	12	paper	paper	NOUN
fsr-3874	106	13	is	be	AUX
fsr-3874	106	14	comprised	comprise	VERB
fsr-3874	106	15	of	of	ADP
fsr-3874	106	16	only	only	ADV
fsr-3874	106	17	those	those	DET
fsr-3874	106	18	survey	survey	NOUN
fsr-3874	106	19	participants	participant	NOUN
fsr-3874	106	20	who	who	PRON
fsr-3874	106	21	report	report	VERB
fsr-3874	106	22	having	have	VERB
fsr-3874	106	23	dcps	dcp	NOUN
fsr-3874	106	24	and	and	CCONJ
fsr-3874	106	25	wealth	wealth	NOUN
fsr-3874	106	26	greater	great	ADJ
fsr-3874	106	27	than	than	ADP
fsr-3874	106	28	$	$	SYM
fsr-3874	106	29	1	1	NUM
fsr-3874	106	30	,	,	PUNCT
fsr-3874	106	31	000	000	NUM
fsr-3874	106	32	,	,	PUNCT
fsr-3874	106	33	table	table	NOUN
fsr-3874	106	34	1	1	NUM
fsr-3874	106	35	provides	provide	VERB
fsr-3874	106	36	a	a	DET
fsr-3874	106	37	comparison	comparison	NOUN
fsr-3874	106	38	of	of	ADP
fsr-3874	106	39	variable	variable	ADJ
fsr-3874	106	40	means	mean	NOUN
fsr-3874	106	41	for	for	ADP
fsr-3874	106	42	the	the	DET
fsr-3874	106	43	dcp	dcp	PROPN
fsr-3874	106	44	subset	subset	NOUN
fsr-3874	106	45	and	and	CCONJ
fsr-3874	106	46	the	the	DET
fsr-3874	106	47	rest	rest	NOUN
fsr-3874	106	48	of	of	ADP
fsr-3874	106	49	the	the	DET
fsr-3874	106	50	scf89	scf89	PROPN
fsr-3874	106	51	sample	sample	NOUN
fsr-3874	106	52	.	.	PUNCT
fsr-3874	107	1	individuals	individual	NOUN
fsr-3874	107	2	in	in	ADP
fsr-3874	107	3	this	this	DET
fsr-3874	107	4	subset	subset	NOUN
fsr-3874	107	5	are	be	AUX
fsr-3874	107	6	,	,	PUNCT
fsr-3874	107	7	on	on	ADP
fsr-3874	107	8	average	average	ADJ
fsr-3874	107	9	,	,	PUNCT
fsr-3874	107	10	more	more	ADV
fsr-3874	107	11	likely	likely	ADJ
fsr-3874	107	12	to	to	PART
fsr-3874	107	13	be	be	AUX
fsr-3874	107	14	younger	young	ADJ
fsr-3874	107	15	,	,	PUNCT
fsr-3874	107	16	to	to	PART
fsr-3874	107	17	be	be	AUX
fsr-3874	107	18	union	union	NOUN
fsr-3874	107	19	members	member	NOUN
fsr-3874	107	20	,	,	PUNCT
fsr-3874	107	21	to	to	PART
fsr-3874	107	22	be	be	AUX
fsr-3874	107	23	employed	employ	VERB
fsr-3874	107	24	by	by	ADP
fsr-3874	107	25	a	a	DET
fsr-3874	107	26	large	large	ADJ
fsr-3874	107	27	firm	firm	NOUN
fsr-3874	107	28	,	,	PUNCT
fsr-3874	107	29	to	to	PART
fsr-3874	107	30	have	have	VERB
fsr-3874	107	31	higher	high	ADJ
fsr-3874	107	32	education	education	NOUN
fsr-3874	107	33	,	,	PUNCT
fsr-3874	107	34	and	and	CCONJ
fsr-3874	107	35	to	to	PART
fsr-3874	107	36	have	have	VERB
fsr-3874	107	37	more	more	ADJ
fsr-3874	107	38	children	child	NOUN
fsr-3874	107	39	.	.	PUNCT
fsr-3874	108	1	comparison	comparison	NOUN
fsr-3874	108	2	of	of	ADP
fsr-3874	108	3	male	male	ADJ
fsr-3874	108	4	and	and	CCONJ
fsr-3874	108	5	female	female	ADJ
fsr-3874	108	6	variable	variable	NOUN
fsr-3874	108	7	means	mean	VERB
fsr-3874	108	8	shows	show	VERB
fsr-3874	108	9	differences	difference	NOUN
fsr-3874	108	10	that	that	PRON
fsr-3874	108	11	would	would	AUX
fsr-3874	108	12	be	be	AUX
fsr-3874	108	13	expected	expect	VERB
fsr-3874	108	14	.	.	PUNCT
fsr-3874	109	1	on	on	ADP
fsr-3874	109	2	average	average	ADJ
fsr-3874	109	3	,	,	PUNCT
fsr-3874	109	4	women	woman	NOUN
fsr-3874	109	5	with	with	ADP
fsr-3874	109	6	dcps	dcp	NOUN
fsr-3874	109	7	allocate	allocate	VERB
fsr-3874	109	8	a	a	DET
fsr-3874	109	9	smaller	small	ADJ
fsr-3874	109	10	proportion	proportion	NOUN
fsr-3874	109	11	of	of	ADP
fsr-3874	109	12	wealth	wealth	NOUN
fsr-3874	109	13	to	to	ADP
fsr-3874	109	14	their	their	PRON
fsr-3874	109	15	pensions	pension	NOUN
fsr-3874	109	16	(	(	PUNCT
fsr-3874	109	17	27	27	NUM
fsr-3874	109	18	%	%	NOUN
fsr-3874	109	19	)	)	PUNCT
fsr-3874	109	20	compared	compare	VERB
fsr-3874	109	21	to	to	ADP
fsr-3874	109	22	men	man	NOUN
fsr-3874	109	23	(	(	PUNCT
fsr-3874	109	24	35	35	NUM
fsr-3874	109	25	%	%	NOUN
fsr-3874	109	26	)	)	PUNCT
fsr-3874	109	27	.	.	PUNCT
fsr-3874	110	1	the	the	DET
fsr-3874	110	2	results	result	NOUN
fsr-3874	110	3	of	of	ADP
fsr-3874	110	4	the	the	DET
fsr-3874	110	5	first	first	ADJ
fsr-3874	110	6	stage	stage	NOUN
fsr-3874	110	7	probit	probit	NOUN
fsr-3874	110	8	estimation	estimation	NOUN
fsr-3874	110	9	,	,	PUNCT
fsr-3874	110	10	that	that	PRON
fsr-3874	110	11	are	be	AUX
fsr-3874	110	12	available	available	ADJ
fsr-3874	110	13	from	from	ADP
fsr-3874	110	14	the	the	DET
fsr-3874	110	15	authors	author	NOUN
fsr-3874	110	16	upon	upon	SCONJ
fsr-3874	110	17	request	request	NOUN
fsr-3874	110	18	,	,	PUNCT
fsr-3874	110	19	indicate	indicate	VERB
fsr-3874	110	20	that	that	SCONJ
fsr-3874	110	21	the	the	DET
fsr-3874	110	22	survey	survey	NOUN
fsr-3874	110	23	subset	subset	VERB
fsr-3874	110	24	is	be	AUX
fsr-3874	110	25	significantly	significantly	ADV
fsr-3874	110	26	different	different	ADJ
fsr-3874	110	27	from	from	ADP
fsr-3874	110	28	the	the	DET
fsr-3874	110	29	overall	overall	ADJ
fsr-3874	110	30	scf89	scf89	PROPN
fsr-3874	110	31	survey	survey	NOUN
fsr-3874	110	32	sample	sample	NOUN
fsr-3874	110	33	.	.	PUNCT
fsr-3874	111	1	the	the	DET
fsr-3874	111	2	inclusion	inclusion	NOUN
fsr-3874	111	3	of	of	ADP
fsr-3874	111	4	thelambdavariable	thelambdavariable	ADJ
fsr-3874	111	5	in	in	ADP
fsr-3874	111	6	the	the	DET
fsr-3874	111	7	estimation	estimation	NOUN
fsr-3874	111	8	procedure	procedure	NOUN
fsr-3874	111	9	therefore	therefore	ADV
fsr-3874	111	10	serves	serve	VERB
fsr-3874	111	11	to	to	PART
fsr-3874	111	12	ensure	ensure	VERB
fsr-3874	111	13	that	that	SCONJ
fsr-3874	111	14	the	the	DET
fsr-3874	111	15	other	other	ADJ
fsr-3874	111	16	coefficients	coefficient	NOUN
fsr-3874	111	17	are	be	AUX
fsr-3874	111	18	consistent	consistent	ADJ
fsr-3874	111	19	.	.	PUNCT
fsr-3874	112	1	the	the	DET
fsr-3874	112	2	results	result	NOUN
fsr-3874	112	3	of	of	ADP
fsr-3874	112	4	the	the	DET
fsr-3874	112	5	full	full	ADJ
fsr-3874	112	6	information	information	NOUN
fsr-3874	112	7	maximum	maximum	ADJ
fsr-3874	112	8	likelihood	likelihood	NOUN
fsr-3874	112	9	estimations	estimation	NOUN
fsr-3874	112	10	of	of	ADP
fsr-3874	112	11	eq	eq	PROPN
fsr-3874	112	12	.	.	PUNCT
fsr-3874	113	1	(	(	PUNCT
fsr-3874	113	2	2	2	X
fsr-3874	113	3	)	)	PUNCT
fsr-3874	113	4	are	be	AUX
fsr-3874	113	5	shown	show	VERB
fsr-3874	113	6	separately	separately	ADV
fsr-3874	113	7	for	for	ADP
fsr-3874	113	8	men	man	NOUN
fsr-3874	113	9	and	and	CCONJ
fsr-3874	113	10	women	woman	NOUN
fsr-3874	113	11	in	in	ADP
fsr-3874	113	12	table	table	NOUN
fsr-3874	113	13	2	2	NUM
fsr-3874	113	14	.	.	PUNCT
fsr-3874	113	15	to	to	PART
fsr-3874	113	16	test	test	VERB
fsr-3874	113	17	whether	whether	SCONJ
fsr-3874	113	18	the	the	DET
fsr-3874	113	19	factors	factor	NOUN
fsr-3874	113	20	determining	determine	VERB
fsr-3874	113	21	the	the	DET
fsr-3874	113	22	proportion	proportion	NOUN
fsr-3874	113	23	of	of	ADP
fsr-3874	113	24	wealth	wealth	NOUN
fsr-3874	113	25	allocated	allocate	VERB
fsr-3874	113	26	to	to	ADP
fsr-3874	113	27	dcps	dcp	NOUN
fsr-3874	113	28	differ	differ	VERB
fsr-3874	113	29	by	by	ADP
fsr-3874	113	30	gender	gender	NOUN
fsr-3874	113	31	,	,	PUNCT
fsr-3874	113	32	all	all	PRON
fsr-3874	113	33	of	of	ADP
fsr-3874	113	34	the	the	DET
fsr-3874	113	35	variables	variable	NOUN
fsr-3874	113	36	in	in	ADP
fsr-3874	113	37	eq	eq	ADP
fsr-3874	113	38	.	.	PUNCT
fsr-3874	114	1	(	(	PUNCT
fsr-3874	114	2	2	2	X
fsr-3874	114	3	)	)	PUNCT
fsr-3874	114	4	were	be	AUX
fsr-3874	114	5	6	6	NUM
fsr-3874	114	6	v.l	v.l	PROPN
fsr-3874	114	7	.	.	PROPN
fsr-3874	114	8	bajtelsmit	bajtelsmit	PROPN
fsr-3874	114	9	et	et	PROPN
fsr-3874	114	10	al	al	PROPN
fsr-3874	114	11	.	.	PUNCT
fsr-3874	114	12	/	/	SYM
fsr-3874	114	13	financial	financial	ADJ
fsr-3874	114	14	services	service	NOUN
fsr-3874	114	15	review	review	VERB
fsr-3874	114	16	8	8	NUM
fsr-3874	114	17	(	(	PUNCT
fsr-3874	114	18	1999	1999	NUM
fsr-3874	114	19	)	)	PUNCT
fsr-3874	114	20	1–10	1–10	NOUN
fsr-3874	114	21	interacted	interact	VERB
fsr-3874	114	22	with	with	ADP
fsr-3874	114	23	a	a	DET
fsr-3874	114	24	dummy	dummy	ADJ
fsr-3874	114	25	variablefemaleand	variablefemaleand	NOUN
fsr-3874	114	26	the	the	DET
fsr-3874	114	27	equation	equation	NOUN
fsr-3874	114	28	was	be	AUX
fsr-3874	114	29	re	re	VERB
fsr-3874	114	30	-	-	VERB
fsr-3874	114	31	estimated	estimate	VERB
fsr-3874	114	32	for	for	ADP
fsr-3874	114	33	the	the	DET
fsr-3874	114	34	sample	sample	NOUN
fsr-3874	114	35	including	include	VERB
fsr-3874	114	36	both	both	DET
fsr-3874	114	37	men	man	NOUN
fsr-3874	114	38	and	and	CCONJ
fsr-3874	114	39	women	woman	NOUN
fsr-3874	114	40	.	.	PUNCT
fsr-3874	115	1	a	a	DET
fsr-3874	115	2	likelihood	likelihood	NOUN
fsr-3874	115	3	ratio	ratio	NOUN
fsr-3874	115	4	test	test	NOUN
fsr-3874	115	5	of	of	ADP
fsr-3874	115	6	the	the	DET
fsr-3874	115	7	null	null	ADJ
fsr-3874	115	8	hypothesis	hypothesis	NOUN
fsr-3874	115	9	that	that	PRON
fsr-3874	115	10	all	all	DET
fsr-3874	115	11	the	the	DET
fsr-3874	115	12	female	female	ADJ
fsr-3874	115	13	interaction	interaction	NOUN
fsr-3874	115	14	terms	term	NOUN
fsr-3874	115	15	equal	equal	ADJ
fsr-3874	115	16	zero	zero	NUM
fsr-3874	115	17	is	be	AUX
fsr-3874	115	18	rejected	reject	VERB
fsr-3874	115	19	,	,	PUNCT
fsr-3874	115	20	indicating	indicate	VERB
fsr-3874	115	21	that	that	SCONJ
fsr-3874	115	22	the	the	DET
fsr-3874	115	23	factors	factor	NOUN
fsr-3874	115	24	determining	determine	VERB
fsr-3874	115	25	women	woman	NOUN
fsr-3874	115	26	’s	’s	PART
fsr-3874	115	27	allocation	allocation	NOUN
fsr-3874	115	28	of	of	ADP
fsr-3874	115	29	wealth	wealth	NOUN
fsr-3874	115	30	to	to	ADP
fsr-3874	115	31	dcps	dcp	NOUN
fsr-3874	115	32	are	be	AUX
fsr-3874	115	33	different	different	ADJ
fsr-3874	115	34	from	from	ADP
fsr-3874	115	35	men	man	NOUN
fsr-3874	115	36	’s	’s	PART
fsr-3874	115	37	.	.	PUNCT
fsr-3874	116	1	the	the	DET
fsr-3874	116	2	test	test	NOUN
fsr-3874	116	3	statistic	statistic	NOUN
fsr-3874	116	4	was	be	AUX
fsr-3874	116	5	220.66	220.66	NUM
fsr-3874	116	6	distributedx2	distributedx2	NOUN
fsr-3874	116	7	with	with	ADP
fsr-3874	116	8	16	16	NUM
fsr-3874	116	9	degrees	degree	NOUN
fsr-3874	116	10	of	of	ADP
fsr-3874	116	11	freedom	freedom	NOUN
fsr-3874	116	12	.	.	PUNCT
fsr-3874	117	1	the	the	DET
fsr-3874	117	2	critical	critical	ADJ
fsr-3874	117	3	value	value	NOUN
fsr-3874	117	4	at	at	ADP
fsr-3874	117	5	the	the	DET
fsr-3874	117	6	1	1	NUM
fsr-3874	117	7	%	%	NOUN
fsr-3874	117	8	level	level	NOUN
fsr-3874	117	9	of	of	ADP
fsr-3874	117	10	significance	significance	NOUN
fsr-3874	117	11	is	be	AUX
fsr-3874	117	12	31.99	31.99	NUM
fsr-3874	117	13	.	.	PUNCT
fsr-3874	118	1	thus	thus	ADV
fsr-3874	118	2	,	,	PUNCT
fsr-3874	118	3	the	the	DET
fsr-3874	118	4	null	null	ADJ
fsr-3874	118	5	hypothesis	hypothesis	NOUN
fsr-3874	118	6	is	be	AUX
fsr-3874	118	7	rejected	reject	VERB
fsr-3874	118	8	.	.	PUNCT
fsr-3874	119	1	coefficients	coefficient	NOUN
fsr-3874	119	2	that	that	PRON
fsr-3874	119	3	differ	differ	VERB
fsr-3874	119	4	significantly	significantly	ADV
fsr-3874	119	5	between	between	ADP
fsr-3874	119	6	the	the	DET
fsr-3874	119	7	men	man	NOUN
fsr-3874	119	8	’s	’s	PART
fsr-3874	119	9	and	and	CCONJ
fsr-3874	119	10	women	woman	NOUN
fsr-3874	119	11	’s	’s	PART
fsr-3874	119	12	equations	equation	NOUN
fsr-3874	119	13	are	be	AUX
fsr-3874	119	14	indicated	indicate	VERB
fsr-3874	119	15	in	in	ADP
fsr-3874	119	16	table	table	NOUN
fsr-3874	119	17	2	2	NUM
fsr-3874	119	18	.	.	PUNCT
fsr-3874	119	19	significant	significant	ADJ
fsr-3874	119	20	gender	gender	NOUN
fsr-3874	119	21	differences	difference	NOUN
fsr-3874	119	22	exist	exist	VERB
fsr-3874	119	23	for	for	ADP
fsr-3874	119	24	age	age	NOUN
fsr-3874	119	25	(	(	PUNCT
fsr-3874	119	26	both	both	PRON
fsr-3874	119	27	respondent	respondent	VERB
fsr-3874	119	28	’s	’s	ADV
fsr-3874	119	29	and	and	CCONJ
fsr-3874	119	30	spouse	spouse	NOUN
fsr-3874	119	31	’s	’s	PART
fsr-3874	119	32	)	)	PUNCT
fsr-3874	119	33	,	,	PUNCT
fsr-3874	119	34	education	education	NOUN
fsr-3874	119	35	,	,	PUNCT
fsr-3874	119	36	number	number	NOUN
fsr-3874	119	37	of	of	ADP
fsr-3874	119	38	children	child	NOUN
fsr-3874	119	39	,	,	PUNCT
fsr-3874	119	40	marital	marital	ADJ
fsr-3874	119	41	status	status	NOUN
fsr-3874	119	42	,	,	PUNCT
fsr-3874	119	43	human	human	ADJ
fsr-3874	119	44	capital	capital	NOUN
fsr-3874	119	45	(	(	PUNCT
fsr-3874	119	46	both	both	PRON
fsr-3874	119	47	respondent	respondent	VERB
fsr-3874	119	48	’s	’s	ADV
fsr-3874	119	49	and	and	CCONJ
fsr-3874	119	50	spouse	spouse	NOUN
fsr-3874	119	51	’s	’s	PART
fsr-3874	119	52	)	)	PUNCT
fsr-3874	119	53	,	,	PUNCT
fsr-3874	119	54	allocation	allocation	NOUN
fsr-3874	119	55	to	to	ADP
fsr-3874	119	56	other	other	ADJ
fsr-3874	119	57	risky	risky	ADJ
fsr-3874	119	58	assets	asset	NOUN
fsr-3874	119	59	,	,	PUNCT
fsr-3874	119	60	and	and	CCONJ
fsr-3874	119	61	having	have	VERB
fsr-3874	119	62	claims	claim	NOUN
fsr-3874	119	63	on	on	ADP
fsr-3874	119	64	other	other	ADJ
fsr-3874	119	65	pensions	pension	NOUN
fsr-3874	119	66	.	.	PUNCT
fsr-3874	120	1	the	the	DET
fsr-3874	120	2	coefficient	coefficient	NOUN
fsr-3874	120	3	oflnwealthis	oflnwealthis	ADP
fsr-3874	120	4	an	an	DET
fsr-3874	120	5	estimate	estimate	NOUN
fsr-3874	120	6	of	of	ADP
fsr-3874	120	7	relative	relative	ADJ
fsr-3874	120	8	risk	risk	NOUN
fsr-3874	120	9	aversion	aversion	NOUN
fsr-3874	120	10	(	(	PUNCT
fsr-3874	120	11	ck	ck	NOUN
fsr-3874	120	12	)	)	PUNCT
fsr-3874	120	13	up	up	ADP
fsr-3874	120	14	to	to	ADP
fsr-3874	120	15	a	a	DET
fsr-3874	120	16	positive	positive	ADJ
fsr-3874	120	17	multiplicative	multiplicative	ADJ
fsr-3874	120	18	constant	constant	NOUN
fsr-3874	120	19	.	.	PUNCT
fsr-3874	121	1	a	a	DET
fsr-3874	121	2	positive	positive	ADJ
fsr-3874	121	3	(	(	PUNCT
fsr-3874	121	4	negative	negative	ADJ
fsr-3874	121	5	)	)	PUNCT
fsr-3874	121	6	coefficient	coefficient	NOUN
fsr-3874	121	7	indicates	indicate	VERB
fsr-3874	121	8	decreasing	decrease	VERB
fsr-3874	121	9	(	(	PUNCT
fsr-3874	121	10	increasing	increase	VERB
fsr-3874	121	11	)	)	PUNCT
fsr-3874	121	12	relative	relative	ADJ
fsr-3874	121	13	risk	risk	NOUN
fsr-3874	121	14	aversion	aversion	NOUN
fsr-3874	121	15	.	.	PUNCT
fsr-3874	122	1	for	for	ADP
fsr-3874	122	2	men	man	NOUN
fsr-3874	122	3	,	,	PUNCT
fsr-3874	122	4	the	the	DET
fsr-3874	122	5	coefficient	coefficient	NOUN
fsr-3874	122	6	is	be	AUX
fsr-3874	122	7	significantly	significantly	ADV
fsr-3874	122	8	positive	positive	ADJ
fsr-3874	122	9	,	,	PUNCT
fsr-3874	122	10	indicating	indicate	VERB
fsr-3874	122	11	decreasing	decrease	VERB
fsr-3874	122	12	relative	relative	ADJ
fsr-3874	122	13	risk	risk	NOUN
fsr-3874	122	14	aversion	aversion	NOUN
fsr-3874	122	15	.	.	PUNCT
fsr-3874	123	1	the	the	DET
fsr-3874	123	2	estimated	estimate	VERB
fsr-3874	123	3	coefficient	coefficient	NOUN
fsr-3874	123	4	for	for	ADP
fsr-3874	123	5	women	woman	NOUN
fsr-3874	123	6	is	be	AUX
fsr-3874	123	7	negative	negative	ADJ
fsr-3874	123	8	,	,	PUNCT
fsr-3874	123	9	but	but	CCONJ
fsr-3874	123	10	not	not	PART
fsr-3874	123	11	significantly	significantly	ADV
fsr-3874	123	12	different	different	ADJ
fsr-3874	123	13	from	from	ADP
fsr-3874	123	14	zero	zero	NUM
fsr-3874	123	15	,	,	PUNCT
fsr-3874	123	16	indicating	indicate	VERB
fsr-3874	123	17	constant	constant	ADJ
fsr-3874	123	18	relative	relative	ADJ
fsr-3874	123	19	risk	risk	NOUN
fsr-3874	123	20	aversion	aversion	NOUN
fsr-3874	123	21	.	.	PUNCT
fsr-3874	124	1	thus	thus	ADV
fsr-3874	124	2	women	woman	NOUN
fsr-3874	124	3	exhibit	exhibit	VERB
fsr-3874	124	4	greater	great	ADJ
fsr-3874	124	5	relative	relative	ADJ
fsr-3874	124	6	risk	risk	NOUN
fsr-3874	124	7	aversion	aversion	NOUN
fsr-3874	124	8	than	than	ADP
fsr-3874	124	9	men	man	NOUN
fsr-3874	124	10	in	in	ADP
fsr-3874	124	11	the	the	DET
fsr-3874	124	12	allocation	allocation	NOUN
fsr-3874	124	13	of	of	ADP
fsr-3874	124	14	wealth	wealth	NOUN
fsr-3874	124	15	to	to	ADP
fsr-3874	124	16	dcps	dcp	NOUN
fsr-3874	124	17	,	,	PUNCT
fsr-3874	124	18	holding	hold	VERB
fsr-3874	124	19	other	other	ADJ
fsr-3874	124	20	factors	factor	NOUN
fsr-3874	124	21	constant	constant	ADJ
fsr-3874	124	22	.	.	PUNCT
fsr-3874	125	1	to	to	PART
fsr-3874	125	2	illustrate	illustrate	VERB
fsr-3874	125	3	the	the	DET
fsr-3874	125	4	impact	impact	NOUN
fsr-3874	125	5	on	on	ADP
fsr-3874	125	6	individual	individual	ADJ
fsr-3874	125	7	portfolios	portfolio	NOUN
fsr-3874	125	8	,	,	PUNCT
fsr-3874	125	9	consider	consider	VERB
fsr-3874	125	10	the	the	DET
fsr-3874	125	11	following	follow	VERB
fsr-3874	125	12	application	application	NOUN
fsr-3874	125	13	of	of	ADP
fsr-3874	125	14	these	these	DET
fsr-3874	125	15	estimation	estimation	NOUN
fsr-3874	125	16	results	result	NOUN
fsr-3874	125	17	.	.	PUNCT
fsr-3874	126	1	if	if	SCONJ
fsr-3874	126	2	initial	initial	ADJ
fsr-3874	126	3	wealth	wealth	NOUN
fsr-3874	126	4	for	for	ADP
fsr-3874	126	5	both	both	DET
fsr-3874	126	6	men	man	NOUN
fsr-3874	126	7	and	and	CCONJ
fsr-3874	126	8	women	woman	NOUN
fsr-3874	126	9	is	be	AUX
fsr-3874	126	10	assumed	assume	VERB
fsr-3874	126	11	to	to	PART
fsr-3874	126	12	be	be	AUX
fsr-3874	126	13	$	$	SYM
fsr-3874	126	14	116	116	NUM
fsr-3874	126	15	,	,	PUNCT
fsr-3874	126	16	000	000	NUM
fsr-3874	126	17	,	,	PUNCT
fsr-3874	126	18	the	the	DET
fsr-3874	126	19	mean	mean	ADJ
fsr-3874	126	20	wealth	wealth	NOUN
fsr-3874	126	21	of	of	ADP
fsr-3874	126	22	the	the	DET
fsr-3874	126	23	women	woman	NOUN
fsr-3874	126	24	in	in	ADP
fsr-3874	126	25	the	the	DET
fsr-3874	126	26	sample	sample	NOUN
fsr-3874	126	27	,	,	PUNCT
fsr-3874	126	28	and	and	CCONJ
fsr-3874	126	29	all	all	DET
fsr-3874	126	30	other	other	ADJ
fsr-3874	126	31	variables	variable	NOUN
fsr-3874	126	32	are	be	AUX
fsr-3874	126	33	held	hold	VERB
fsr-3874	126	34	table	table	NOUN
fsr-3874	126	35	1	1	NUM
fsr-3874	126	36	variables	variable	NOUN
fsr-3874	126	37	means	mean	VERB
fsr-3874	126	38	defined	define	VERB
fsr-3874	126	39	contribution	contribution	NOUN
fsr-3874	126	40	pension	pension	NOUN
fsr-3874	126	41	no	no	DET
fsr-3874	126	42	defined	define	VERB
fsr-3874	126	43	contribution	contribution	NOUN
fsr-3874	126	44	pension	pension	NOUN
fsr-3874	126	45	women	woman	NOUN
fsr-3874	126	46	men	man	NOUN
fsr-3874	126	47	women	woman	NOUN
fsr-3874	126	48	men	man	NOUN
fsr-3874	126	49	alpha	alpha	VERB
fsr-3874	126	50	0.27	0.27	NUM
fsr-3874	126	51	0.35	0.35	NUM
fsr-3874	126	52	—	—	PUNCT
fsr-3874	126	53	—	—	PUNCT
fsr-3874	126	54	wealth	wealth	NOUN
fsr-3874	126	55	116	116	NUM
fsr-3874	126	56	,	,	PUNCT
fsr-3874	126	57	044	044	NUM
fsr-3874	126	58	212	212	NUM
fsr-3874	126	59	,	,	PUNCT
fsr-3874	126	60	933	933	NUM
fsr-3874	126	61	134	134	NUM
fsr-3874	126	62	,	,	PUNCT
fsr-3874	126	63	763	763	NUM
fsr-3874	126	64	148	148	NUM
fsr-3874	126	65	,	,	PUNCT
fsr-3874	126	66	497	497	NUM
fsr-3874	126	67	age	age	NOUN
fsr-3874	126	68	40.5	40.5	NUM
fsr-3874	126	69	41.6	41.6	NUM
fsr-3874	126	70	48.4	48.4	NUM
fsr-3874	126	71	37.4	37.4	NUM
fsr-3874	126	72	age	age	NOUN
fsr-3874	126	73	-	-	PUNCT
fsr-3874	126	74	sa	sa	PROPN
fsr-3874	126	75	41.1	41.1	NUM
fsr-3874	126	76	39.8	39.8	NUM
fsr-3874	126	77	48.5	48.5	NUM
fsr-3874	126	78	46.5	46.5	NUM
fsr-3874	126	79	educ-12	educ-12	PROPN
fsr-3874	126	80	0.58	0.58	NUM
fsr-3874	126	81	0.68	0.68	NUM
fsr-3874	126	82	0.35	0.35	NUM
fsr-3874	126	83	0.41	0.41	NUM
fsr-3874	126	84	black	black	ADJ
fsr-3874	126	85	0.10	0.10	NUM
fsr-3874	126	86	0.06	0.06	NUM
fsr-3874	126	87	0.13	0.13	NUM
fsr-3874	126	88	0.08	0.08	NUM
fsr-3874	126	89	kids	kid	NOUN
fsr-3874	126	90	0.99	0.99	NUM
fsr-3874	126	91	1.21	1.21	NUM
fsr-3874	126	92	0.95	0.95	NUM
fsr-3874	126	93	0.92	0.92	NUM
fsr-3874	126	94	single	single	ADJ
fsr-3874	126	95	0.35	0.35	NUM
fsr-3874	127	1	0.15	0.15	NUM
fsr-3874	127	2	0.33	0.33	NUM
fsr-3874	127	3	0.20	0.20	NUM
fsr-3874	127	4	human	human	ADJ
fsr-3874	127	5	32.33	32.33	NUM
fsr-3874	127	6	45.8	45.8	NUM
fsr-3874	127	7	194.76	194.76	NUM
fsr-3874	127	8	81.51	81.51	NUM
fsr-3874	127	9	human	human	NOUN
fsr-3874	127	10	-	-	PUNCT
fsr-3874	127	11	sa	sa	NOUN
fsr-3874	127	12	32.76	32.76	NUM
fsr-3874	127	13	12.30	12.30	NUM
fsr-3874	127	14	192.90	192.90	NUM
fsr-3874	127	15	99.36	99.36	NUM
fsr-3874	127	16	risky	risky	ADJ
fsr-3874	127	17	0.36	0.36	NUM
fsr-3874	127	18	0.34	0.34	NUM
fsr-3874	127	19	0.41	0.41	NUM
fsr-3874	127	20	0.42	0.42	NUM
fsr-3874	127	21	homeowner	homeowner	NOUN
fsr-3874	127	22	0.74	0.74	NUM
fsr-3874	127	23	0.78	0.78	NUM
fsr-3874	127	24	0.62	0.62	NUM
fsr-3874	127	25	0.63	0.63	NUM
fsr-3874	127	26	other	other	ADJ
fsr-3874	127	27	pension	pension	NOUN
fsr-3874	127	28	0.41	0.41	NUM
fsr-3874	127	29	0.42	0.42	NUM
fsr-3874	127	30	0.14	0.14	NUM
fsr-3874	127	31	0.25	0.25	NUM
fsr-3874	127	32	other	other	ADJ
fsr-3874	127	33	pension	pension	NOUN
fsr-3874	127	34	-	-	PUNCT
fsr-3874	127	35	sa	sa	NOUN
fsr-3874	127	36	0.43	0.43	NUM
fsr-3874	127	37	0.20	0.20	NUM
fsr-3874	127	38	0.27	0.27	NUM
fsr-3874	127	39	0.17	0.17	NUM
fsr-3874	127	40	union	union	NOUN
fsr-3874	128	1	0.26	0.26	NUM
fsr-3874	128	2	0.25	0.25	NUM
fsr-3874	128	3	0.07	0.07	NUM
fsr-3874	128	4	0.16	0.16	NUM
fsr-3874	128	5	big	big	ADJ
fsr-3874	128	6	firm	firm	NOUN
fsr-3874	128	7	0.66	0.66	NUM
fsr-3874	128	8	0.60	0.60	NUM
fsr-3874	128	9	0.16	0.16	NUM
fsr-3874	128	10	0.23	0.23	NUM
fsr-3874	128	11	professional	professional	ADJ
fsr-3874	128	12	0.39	0.39	NUM
fsr-3874	128	13	0.46	0.46	NUM
fsr-3874	128	14	0.13	0.13	NUM
fsr-3874	128	15	0.18	0.18	NUM
fsr-3874	128	16	sales	sale	NOUN
fsr-3874	128	17	0.49	0.49	NUM
fsr-3874	128	18	0.18	0.18	NUM
fsr-3874	128	19	0.20	0.20	NUM
fsr-3874	128	20	0.13	0.13	NUM
fsr-3874	128	21	crafts	craft	NOUN
fsr-3874	128	22	0.01	0.01	NUM
fsr-3874	128	23	0.19	0.19	NUM
fsr-3874	128	24	0.01	0.01	NUM
fsr-3874	128	25	0.15	0.15	NUM
fsr-3874	128	26	labor	labor	NOUN
fsr-3874	128	27	0.06	0.06	NUM
fsr-3874	128	28	0.11	0.11	NUM
fsr-3874	128	29	0.05	0.05	NUM
fsr-3874	128	30	0.12	0.12	NUM
fsr-3874	128	31	farm	farm	NOUN
fsr-3874	128	32	—	—	PUNCT
fsr-3874	128	33	0.01	0.01	NUM
fsr-3874	128	34	0.01	0.01	NUM
fsr-3874	128	35	0.04	0.04	NUM
fsr-3874	128	36	n	n	DET
fsr-3874	128	37	319	319	NUM
fsr-3874	128	38	573	573	NUM
fsr-3874	128	39	2	2	NUM
fsr-3874	128	40	,	,	PUNCT
fsr-3874	128	41	489	489	NUM
fsr-3874	128	42	1	1	NUM
fsr-3874	128	43	,	,	PUNCT
fsr-3874	128	44	906	906	NUM
fsr-3874	128	45	a	a	DET
fsr-3874	128	46	means	mean	NOUN
fsr-3874	128	47	are	be	AUX
fsr-3874	128	48	calculates	calculate	NOUN
fsr-3874	128	49	only	only	ADV
fsr-3874	128	50	for	for	ADP
fsr-3874	128	51	individuals	individual	NOUN
fsr-3874	128	52	with	with	ADP
fsr-3874	128	53	a	a	DET
fsr-3874	128	54	spouse	spouse	NOUN
fsr-3874	128	55	present	present	NOUN
fsr-3874	128	56	.	.	PUNCT
fsr-3874	129	1	7v.l	7v.l	X
fsr-3874	129	2	.	.	X
fsr-3874	129	3	bajtelsmit	bajtelsmit	NOUN
fsr-3874	129	4	et	et	PROPN
fsr-3874	129	5	al	al	PROPN
fsr-3874	129	6	.	.	PUNCT
fsr-3874	129	7	/	/	SYM
fsr-3874	129	8	financial	financial	ADJ
fsr-3874	129	9	services	service	NOUN
fsr-3874	129	10	review	review	VERB
fsr-3874	129	11	8	8	NUM
fsr-3874	129	12	(	(	PUNCT
fsr-3874	129	13	1999	1999	NUM
fsr-3874	129	14	)	)	PUNCT
fsr-3874	129	15	1–10	1–10	NOUN
fsr-3874	129	16	constant	constant	ADJ
fsr-3874	129	17	at	at	ADP
fsr-3874	129	18	the	the	DET
fsr-3874	129	19	sample	sample	NOUN
fsr-3874	129	20	means	mean	VERB
fsr-3874	129	21	for	for	ADP
fsr-3874	129	22	men	man	NOUN
fsr-3874	129	23	and	and	CCONJ
fsr-3874	129	24	women	woman	NOUN
fsr-3874	129	25	separately	separately	ADV
fsr-3874	129	26	,	,	PUNCT
fsr-3874	129	27	the	the	DET
fsr-3874	129	28	proportion	proportion	NOUN
fsr-3874	129	29	of	of	ADP
fsr-3874	129	30	wealth	wealth	NOUN
fsr-3874	129	31	held	hold	VERB
fsr-3874	129	32	in	in	ADP
fsr-3874	129	33	dcps	dcps	PROPN
fsr-3874	129	34	is	be	AUX
fsr-3874	129	35	predicted	predict	VERB
fsr-3874	129	36	to	to	PART
fsr-3874	129	37	be	be	AUX
fsr-3874	129	38	27.1	27.1	NUM
fsr-3874	129	39	and	and	CCONJ
fsr-3874	129	40	35.5	35.5	NUM
fsr-3874	129	41	%	%	NOUN
fsr-3874	129	42	for	for	ADP
fsr-3874	129	43	women	woman	NOUN
fsr-3874	129	44	and	and	CCONJ
fsr-3874	129	45	men	man	NOUN
fsr-3874	129	46	,	,	PUNCT
fsr-3874	129	47	respectively	respectively	ADV
fsr-3874	129	48	.	.	PUNCT
fsr-3874	130	1	if	if	SCONJ
fsr-3874	130	2	wealth	wealth	NOUN
fsr-3874	130	3	is	be	AUX
fsr-3874	130	4	now	now	ADV
fsr-3874	130	5	increased	increase	VERB
fsr-3874	130	6	to	to	ADP
fsr-3874	130	7	$	$	SYM
fsr-3874	130	8	213	213	NUM
fsr-3874	130	9	,	,	PUNCT
fsr-3874	130	10	000	000	NUM
fsr-3874	130	11	,	,	PUNCT
fsr-3874	130	12	the	the	DET
fsr-3874	130	13	mean	mean	ADJ
fsr-3874	130	14	wealth	wealth	NOUN
fsr-3874	130	15	of	of	ADP
fsr-3874	130	16	men	man	NOUN
fsr-3874	130	17	in	in	ADP
fsr-3874	130	18	the	the	DET
fsr-3874	130	19	sample	sample	NOUN
fsr-3874	130	20	,	,	PUNCT
fsr-3874	130	21	the	the	DET
fsr-3874	130	22	proportion	proportion	NOUN
fsr-3874	130	23	of	of	ADP
fsr-3874	130	24	wealth	wealth	NOUN
fsr-3874	130	25	held	hold	VERB
fsr-3874	130	26	in	in	ADP
fsr-3874	130	27	dcps	dcps	PROPN
fsr-3874	130	28	is	be	AUX
fsr-3874	130	29	predicted	predict	VERB
fsr-3874	130	30	to	to	PART
fsr-3874	130	31	decrease	decrease	VERB
fsr-3874	130	32	slightly	slightly	ADV
fsr-3874	130	33	to	to	ADP
fsr-3874	130	34	26.3	26.3	NUM
fsr-3874	130	35	%	%	NOUN
fsr-3874	130	36	for	for	ADP
fsr-3874	130	37	women	woman	NOUN
fsr-3874	130	38	and	and	CCONJ
fsr-3874	130	39	to	to	PART
fsr-3874	130	40	increase	increase	VERB
fsr-3874	130	41	only	only	ADV
fsr-3874	130	42	slightly	slightly	ADV
fsr-3874	130	43	to	to	ADP
fsr-3874	130	44	35.9	35.9	NUM
fsr-3874	130	45	%	%	NOUN
fsr-3874	130	46	for	for	ADP
fsr-3874	130	47	men	man	NOUN
fsr-3874	130	48	.	.	PUNCT
fsr-3874	131	1	the	the	DET
fsr-3874	131	2	gender	gender	NOUN
fsr-3874	131	3	difference	difference	NOUN
fsr-3874	131	4	in	in	ADP
fsr-3874	131	5	relative	relative	ADJ
fsr-3874	131	6	risk	risk	NOUN
fsr-3874	131	7	aversion	aversion	NOUN
fsr-3874	131	8	explains	explain	VERB
fsr-3874	131	9	only	only	ADV
fsr-3874	131	10	part	part	NOUN
fsr-3874	131	11	of	of	ADP
fsr-3874	131	12	the	the	DET
fsr-3874	131	13	difference	difference	NOUN
fsr-3874	131	14	in	in	ADP
fsr-3874	131	15	allocation	allocation	NOUN
fsr-3874	131	16	of	of	ADP
fsr-3874	131	17	wealth	wealth	NOUN
fsr-3874	131	18	to	to	ADP
fsr-3874	131	19	dcps	dcp	NOUN
fsr-3874	131	20	.	.	PUNCT
fsr-3874	132	1	for	for	ADP
fsr-3874	132	2	example	example	NOUN
fsr-3874	132	3	,	,	PUNCT
fsr-3874	132	4	an	an	DET
fsr-3874	132	5	increase	increase	NOUN
fsr-3874	132	6	in	in	ADP
fsr-3874	132	7	number	number	NOUN
fsr-3874	132	8	of	of	ADP
fsr-3874	132	9	children	child	NOUN
fsr-3874	132	10	is	be	AUX
fsr-3874	132	11	estimated	estimate	VERB
fsr-3874	132	12	to	to	PART
fsr-3874	132	13	increase	increase	VERB
fsr-3874	132	14	allocations	allocation	NOUN
fsr-3874	132	15	to	to	PART
fsr-3874	132	16	dcps	dcps	VERB
fsr-3874	132	17	for	for	ADP
fsr-3874	132	18	both	both	DET
fsr-3874	132	19	men	man	NOUN
fsr-3874	132	20	and	and	CCONJ
fsr-3874	132	21	women	woman	NOUN
fsr-3874	132	22	,	,	PUNCT
fsr-3874	132	23	but	but	CCONJ
fsr-3874	132	24	by	by	ADP
fsr-3874	132	25	a	a	DET
fsr-3874	132	26	small	small	ADJ
fsr-3874	132	27	proportion	proportion	NOUN
fsr-3874	132	28	for	for	ADP
fsr-3874	132	29	women	woman	NOUN
fsr-3874	132	30	.	.	PUNCT
fsr-3874	133	1	holding	hold	VERB
fsr-3874	133	2	everything	everything	PRON
fsr-3874	133	3	else	else	ADV
fsr-3874	133	4	constant	constant	ADJ
fsr-3874	133	5	,	,	PUNCT
fsr-3874	133	6	single	single	ADJ
fsr-3874	133	7	men	man	NOUN
fsr-3874	133	8	are	be	AUX
fsr-3874	133	9	estimated	estimate	VERB
fsr-3874	133	10	to	to	PART
fsr-3874	133	11	allocate	allocate	VERB
fsr-3874	133	12	more	more	ADJ
fsr-3874	133	13	to	to	ADP
fsr-3874	133	14	dcps	dcp	NOUN
fsr-3874	133	15	compared	compare	VERB
fsr-3874	133	16	to	to	ADP
fsr-3874	133	17	married	married	ADJ
fsr-3874	133	18	men	man	NOUN
fsr-3874	133	19	,	,	PUNCT
fsr-3874	133	20	but	but	CCONJ
fsr-3874	133	21	single	single	ADJ
fsr-3874	133	22	women	woman	NOUN
fsr-3874	133	23	are	be	AUX
fsr-3874	133	24	estimated	estimate	VERB
fsr-3874	133	25	to	to	PART
fsr-3874	133	26	allocate	allocate	VERB
fsr-3874	133	27	significantly	significantly	ADV
fsr-3874	133	28	less	less	ADJ
fsr-3874	133	29	than	than	ADP
fsr-3874	133	30	married	married	ADJ
fsr-3874	133	31	women	woman	NOUN
fsr-3874	133	32	.	.	PUNCT
fsr-3874	134	1	when	when	SCONJ
fsr-3874	134	2	either	either	CCONJ
fsr-3874	134	3	the	the	DET
fsr-3874	134	4	individual	individual	NOUN
fsr-3874	134	5	or	or	CCONJ
fsr-3874	134	6	spouse	spouse	NOUN
fsr-3874	134	7	has	have	VERB
fsr-3874	134	8	access	access	NOUN
fsr-3874	134	9	to	to	ADP
fsr-3874	134	10	pensions	pension	NOUN
fsr-3874	134	11	other	other	ADJ
fsr-3874	134	12	than	than	ADP
fsr-3874	134	13	dcps	dcp	NOUN
fsr-3874	134	14	,	,	PUNCT
fsr-3874	134	15	men	man	NOUN
fsr-3874	134	16	are	be	AUX
fsr-3874	134	17	estimated	estimate	VERB
fsr-3874	134	18	to	to	PART
fsr-3874	134	19	increase	increase	VERB
fsr-3874	134	20	relative	relative	ADJ
fsr-3874	134	21	allocations	allocation	NOUN
fsr-3874	134	22	to	to	ADP
fsr-3874	134	23	dcps	dcp	NOUN
fsr-3874	134	24	,	,	PUNCT
fsr-3874	134	25	but	but	CCONJ
fsr-3874	134	26	women	woman	NOUN
fsr-3874	134	27	are	be	AUX
fsr-3874	134	28	estimated	estimate	VERB
fsr-3874	134	29	to	to	PART
fsr-3874	134	30	reduce	reduce	VERB
fsr-3874	134	31	their	their	PRON
fsr-3874	134	32	dcp	dcp	NOUN
fsr-3874	134	33	allocations	allocation	NOUN
fsr-3874	134	34	.	.	PUNCT
fsr-3874	135	1	one	one	NUM
fsr-3874	135	2	way	way	NOUN
fsr-3874	135	3	to	to	PART
fsr-3874	135	4	assess	assess	VERB
fsr-3874	135	5	the	the	DET
fsr-3874	135	6	relative	relative	ADJ
fsr-3874	135	7	importance	importance	NOUN
fsr-3874	135	8	of	of	ADP
fsr-3874	135	9	the	the	DET
fsr-3874	135	10	factors	factor	NOUN
fsr-3874	135	11	that	that	PRON
fsr-3874	135	12	contribute	contribute	VERB
fsr-3874	135	13	to	to	ADP
fsr-3874	135	14	the	the	DET
fsr-3874	135	15	lower	low	ADJ
fsr-3874	135	16	allocation	allocation	NOUN
fsr-3874	135	17	of	of	ADP
fsr-3874	135	18	wealth	wealth	NOUN
fsr-3874	135	19	to	to	PART
fsr-3874	135	20	dcps	dcps	VERB
fsr-3874	135	21	by	by	ADP
fsr-3874	135	22	women	woman	NOUN
fsr-3874	135	23	is	be	AUX
fsr-3874	135	24	to	to	PART
fsr-3874	135	25	consider	consider	VERB
fsr-3874	135	26	the	the	DET
fsr-3874	135	27	following	follow	VERB
fsr-3874	135	28	example	example	NOUN
fsr-3874	135	29	.	.	PUNCT
fsr-3874	136	1	if	if	SCONJ
fsr-3874	136	2	the	the	DET
fsr-3874	136	3	sample	sample	NOUN
fsr-3874	136	4	mean	mean	VERB
fsr-3874	136	5	characteristics	characteristic	NOUN
fsr-3874	136	6	for	for	ADP
fsr-3874	136	7	women	woman	NOUN
fsr-3874	136	8	are	be	AUX
fsr-3874	136	9	applied	apply	VERB
fsr-3874	136	10	to	to	ADP
fsr-3874	136	11	the	the	DET
fsr-3874	136	12	coefficients	coefficient	NOUN
fsr-3874	136	13	of	of	ADP
fsr-3874	136	14	the	the	DET
fsr-3874	136	15	men	man	NOUN
fsr-3874	136	16	’s	’s	PART
fsr-3874	136	17	equation	equation	NOUN
fsr-3874	136	18	,	,	PUNCT
fsr-3874	136	19	the	the	DET
fsr-3874	136	20	allocation	allocation	NOUN
fsr-3874	136	21	to	to	ADP
fsr-3874	136	22	dcps	dcps	PROPN
fsr-3874	136	23	is	be	AUX
fsr-3874	136	24	predicted	predict	VERB
fsr-3874	136	25	to	to	PART
fsr-3874	136	26	be	be	AUX
fsr-3874	136	27	33.8	33.8	NUM
fsr-3874	136	28	%	%	NOUN
fsr-3874	136	29	of	of	ADP
fsr-3874	136	30	wealth	wealth	NOUN
fsr-3874	136	31	compared	compare	VERB
fsr-3874	136	32	to	to	ADP
fsr-3874	136	33	the	the	DET
fsr-3874	136	34	sample	sample	NOUN
fsr-3874	136	35	average	average	NOUN
fsr-3874	136	36	of	of	ADP
fsr-3874	136	37	27	27	NUM
fsr-3874	136	38	%	%	NOUN
fsr-3874	136	39	.	.	PUNCT
fsr-3874	137	1	this	this	PRON
fsr-3874	137	2	would	would	AUX
fsr-3874	137	3	bring	bring	VERB
fsr-3874	137	4	the	the	DET
fsr-3874	137	5	female	female	ADJ
fsr-3874	137	6	allocation	allocation	NOUN
fsr-3874	137	7	to	to	PART
fsr-3874	137	8	dcps	dcps	VERB
fsr-3874	137	9	very	very	ADV
fsr-3874	137	10	close	close	ADV
fsr-3874	137	11	to	to	ADP
fsr-3874	137	12	the	the	DET
fsr-3874	137	13	mean	mean	NOUN
fsr-3874	137	14	for	for	ADP
fsr-3874	137	15	men	man	NOUN
fsr-3874	137	16	which	which	PRON
fsr-3874	137	17	table	table	VERB
fsr-3874	137	18	2	2	NUM
fsr-3874	137	19	dependent	dependent	ADJ
fsr-3874	137	20	variable	variable	NOUN
fsr-3874	137	21	:	:	PUNCT
fsr-3874	137	22	proportion	proportion	NOUN
fsr-3874	137	23	of	of	ADP
fsr-3874	137	24	wealth	wealth	NOUN
fsr-3874	137	25	held	hold	VERB
fsr-3874	137	26	in	in	ADP
fsr-3874	137	27	defined	define	VERB
fsr-3874	137	28	-	-	PUNCT
fsr-3874	137	29	contribution	contribution	NOUN
fsr-3874	137	30	pensions	pension	NOUN
fsr-3874	137	31	women	woman	NOUN
fsr-3874	137	32	men	man	NOUN
fsr-3874	137	33	independent	independent	ADJ
fsr-3874	137	34	variables	variables	PROPN
fsr-3874	137	35	coef	coef	PROPN
fsr-3874	137	36	se	se	PROPN
fsr-3874	137	37	coef	coef	PROPN
fsr-3874	137	38	se	se	PROPN
fsr-3874	137	39	ln	ln	PROPN
fsr-3874	137	40	wealth	wealth	NOUN
fsr-3874	137	41	20.004†††	20.004†††	NOUN
fsr-3874	137	42	0.004	0.004	NUM
fsr-3874	137	43	0.007	0.007	NUM
fsr-3874	137	44	*	*	PUNCT
fsr-3874	137	45	*	*	PUNCT
fsr-3874	137	46	*	*	SYM
fsr-3874	137	47	0.002	0.002	NUM
fsr-3874	137	48	age	age	NOUN
fsr-3874	137	49	0.021***††	0.021***††	NUM
fsr-3874	137	50	0.006	0.006	NUM
fsr-3874	137	51	0.005	0.005	NUM
fsr-3874	137	52	0.003	0.003	NUM
fsr-3874	137	53	age2	age2	NOUN
fsr-3874	137	54	20.000	20.000	NUM
fsr-3874	137	55	*	*	PUNCT
fsr-3874	137	56	*	*	PUNCT
fsr-3874	137	57	*	*	PUNCT
fsr-3874	137	58	0.000	0.000	NUM
fsr-3874	137	59	20.000	20.000	NUM
fsr-3874	137	60	0.000	0.000	NUM
fsr-3874	137	61	age	age	NOUN
fsr-3874	137	62	-	-	PUNCT
fsr-3874	137	63	s	s	NOUN
fsr-3874	137	64	20.027***†††	20.027***†††	NUM
fsr-3874	137	65	0.006	0.006	NUM
fsr-3874	137	66	0.006	0.006	NUM
fsr-3874	137	67	*	*	PUNCT
fsr-3874	137	68	*	*	SYM
fsr-3874	137	69	0.002	0.002	NUM
fsr-3874	137	70	age2	age2	NOUN
fsr-3874	137	71	-	-	PUNCT
fsr-3874	137	72	s	s	NOUN
fsr-3874	137	73	0.000***†††	0.000***†††	NOUN
fsr-3874	137	74	0.000	0.000	NUM
fsr-3874	137	75	20.000	20.000	NUM
fsr-3874	137	76	*	*	PUNCT
fsr-3874	137	77	*	*	SYM
fsr-3874	137	78	0.000	0.000	NUM
fsr-3874	137	79	educ-12	educ-12	PROPN
fsr-3874	137	80	20.015†††	20.015†††	NOUN
fsr-3874	137	81	0.011	0.011	NUM
fsr-3874	137	82	20.054	20.054	NUM
fsr-3874	137	83	*	*	PUNCT
fsr-3874	137	84	*	*	PUNCT
fsr-3874	137	85	*	*	PUNCT
fsr-3874	137	86	0.010	0.010	NUM
fsr-3874	137	87	black	black	ADJ
fsr-3874	137	88	20.004	20.004	NUM
fsr-3874	137	89	0.018	0.018	NUM
fsr-3874	137	90	0.002	0.002	NUM
fsr-3874	137	91	0.018	0.018	NUM
fsr-3874	137	92	kids	kid	NOUN
fsr-3874	137	93	0.007†	0.007†	X
fsr-3874	137	94	0.005	0.005	NUM
fsr-3874	137	95	0.017	0.017	NUM
fsr-3874	137	96	*	*	PUNCT
fsr-3874	137	97	*	*	PUNCT
fsr-3874	137	98	*	*	PUNCT
fsr-3874	137	99	0.003	0.003	NUM
fsr-3874	137	100	single	single	ADJ
fsr-3874	137	101	20.634***†††	20.634***†††	NUM
fsr-3874	137	102	0.146	0.146	NUM
fsr-3874	137	103	0.168	0.168	NUM
fsr-3874	137	104	*	*	PUNCT
fsr-3874	137	105	*	*	PUNCT
fsr-3874	137	106	*	*	PUNCT
fsr-3874	137	107	0.050	0.050	NUM
fsr-3874	137	108	human	human	ADJ
fsr-3874	137	109	20.000†††	20.000†††	NOUN
fsr-3874	137	110	0.000	0.000	NUM
fsr-3874	137	111	0.000	0.000	NUM
fsr-3874	137	112	*	*	PUNCT
fsr-3874	137	113	*	*	PUNCT
fsr-3874	137	114	*	*	PUNCT
fsr-3874	137	115	0.000	0.000	NUM
fsr-3874	137	116	human	human	NOUN
fsr-3874	137	117	-	-	PUNCT
fsr-3874	137	118	s	s	NOUN
fsr-3874	137	119	20.000	20.000	NUM
fsr-3874	137	120	0.000	0.000	NUM
fsr-3874	137	121	20.000	20.000	NUM
fsr-3874	137	122	0.000	0.000	NUM
fsr-3874	137	123	risky	risky	ADJ
fsr-3874	137	124	20.376***†††	20.376***†††	NUM
fsr-3874	137	125	0.018	0.018	NUM
fsr-3874	137	126	20.561	20.561	NUM
fsr-3874	137	127	*	*	PUNCT
fsr-3874	137	128	*	*	PUNCT
fsr-3874	137	129	*	*	PUNCT
fsr-3874	137	130	0.015	0.015	NUM
fsr-3874	137	131	homeowner	homeowner	NOUN
fsr-3874	137	132	20.027	20.027	NUM
fsr-3874	137	133	*	*	PUNCT
fsr-3874	137	134	*	*	PUNCT
fsr-3874	137	135	0.014	0.014	NUM
fsr-3874	137	136	20.013	20.013	NUM
fsr-3874	137	137	0.011	0.011	NUM
fsr-3874	137	138	other	other	ADJ
fsr-3874	137	139	pension	pension	NOUN
fsr-3874	137	140	20.014†††	20.014†††	NUM
fsr-3874	137	141	0.011	0.011	NUM
fsr-3874	137	142	0.024	0.024	NUM
fsr-3874	137	143	*	*	PUNCT
fsr-3874	137	144	*	*	PUNCT
fsr-3874	137	145	*	*	PUNCT
fsr-3874	137	146	0.008	0.008	NUM
fsr-3874	137	147	other	other	ADJ
fsr-3874	137	148	pension	pension	NOUN
fsr-3874	137	149	-	-	PUNCT
fsr-3874	137	150	s	s	PART
fsr-3874	137	151	20.025**††	20.025**††	NUM
fsr-3874	137	152	0.013	0.013	NUM
fsr-3874	137	153	0.011	0.011	NUM
fsr-3874	137	154	0.010	0.010	NUM
fsr-3874	137	155	constant	constant	ADJ
fsr-3874	137	156	0.650***†††	0.650***†††	NOUN
fsr-3874	137	157	0.106	0.106	NUM
fsr-3874	137	158	0.161	0.161	NUM
fsr-3874	137	159	*	*	PUNCT
fsr-3874	137	160	*	*	NOUN
fsr-3874	137	161	0.072	0.072	NUM
fsr-3874	137	162	lambda	lambda	NOUN
fsr-3874	137	163	20.028	20.028	NUM
fsr-3874	137	164	*	*	NOUN
fsr-3874	137	165	*	*	NOUN
fsr-3874	137	166	0.013	0.013	NUM
fsr-3874	137	167	0.022	0.022	NUM
fsr-3874	137	168	*	*	PUNCT
fsr-3874	137	169	*	*	PUNCT
fsr-3874	137	170	0.010	0.010	NUM
fsr-3874	137	171	n	n	CCONJ
fsr-3874	137	172	:	:	PUNCT
fsr-3874	137	173	probituregression	probituregression	NOUN
fsr-3874	137	174	2	2	NUM
fsr-3874	137	175	,	,	PUNCT
fsr-3874	137	176	808	808	NUM
fsr-3874	137	177	319	319	NUM
fsr-3874	137	178	2	2	NUM
fsr-3874	137	179	,	,	PUNCT
fsr-3874	137	180	479	479	NUM
fsr-3874	137	181	573	573	NUM
fsr-3874	137	182	log	log	NOUN
fsr-3874	137	183	likelihood1	likelihood1	NOUN
fsr-3874	137	184	23140	23140	NUM
fsr-3874	137	185	24707	24707	NUM
fsr-3874	137	186	*	*	PUNCT
fsr-3874	137	187	,	,	PUNCT
fsr-3874	137	188	*	*	PUNCT
fsr-3874	137	189	*	*	PUNCT
fsr-3874	137	190	,	,	PUNCT
fsr-3874	137	191	*	*	PUNCT
fsr-3874	137	192	*	*	PUNCT
fsr-3874	137	193	*	*	PUNCT
fsr-3874	137	194	significantly	significantly	ADV
fsr-3874	137	195	different	different	ADJ
fsr-3874	137	196	from	from	ADP
fsr-3874	137	197	zero	zero	NUM
fsr-3874	137	198	at	at	ADP
fsr-3874	137	199	the	the	DET
fsr-3874	137	200	10	10	NUM
fsr-3874	137	201	%	%	NOUN
fsr-3874	137	202	,	,	PUNCT
fsr-3874	137	203	5	5	NUM
fsr-3874	137	204	%	%	NOUN
fsr-3874	137	205	,	,	PUNCT
fsr-3874	137	206	and	and	CCONJ
fsr-3874	137	207	1	1	NUM
fsr-3874	137	208	%	%	NOUN
fsr-3874	137	209	levels	level	NOUN
fsr-3874	137	210	,	,	PUNCT
fsr-3874	137	211	respectively	respectively	ADV
fsr-3874	137	212	.	.	PUNCT
fsr-3874	138	1	†,††,†††significantly	†,††,†††significantly	ADV
fsr-3874	138	2	different	different	ADJ
fsr-3874	138	3	from	from	ADP
fsr-3874	138	4	male	male	ADJ
fsr-3874	138	5	coefficient	coefficient	NOUN
fsr-3874	138	6	at	at	ADP
fsr-3874	138	7	the	the	DET
fsr-3874	138	8	10	10	NUM
fsr-3874	138	9	%	%	NOUN
fsr-3874	138	10	,	,	PUNCT
fsr-3874	138	11	5	5	NUM
fsr-3874	138	12	%	%	NOUN
fsr-3874	138	13	,	,	PUNCT
fsr-3874	138	14	and	and	CCONJ
fsr-3874	138	15	1	1	NUM
fsr-3874	138	16	%	%	NOUN
fsr-3874	138	17	level	level	NOUN
fsr-3874	138	18	,	,	PUNCT
fsr-3874	138	19	respectively	respectively	ADV
fsr-3874	138	20	.	.	PUNCT
fsr-3874	139	1	1	1	NUM
fsr-3874	139	2	the	the	DET
fsr-3874	139	3	likelihood	likelihood	NOUN
fsr-3874	139	4	ratio	ratio	NOUN
fsr-3874	139	5	statistic	statistic	NOUN
fsr-3874	139	6	for	for	ADP
fsr-3874	139	7	the	the	DET
fsr-3874	139	8	women	woman	NOUN
fsr-3874	139	9	’s	’s	PART
fsr-3874	139	10	equation	equation	NOUN
fsr-3874	139	11	was	be	AUX
fsr-3874	139	12	2	2	NUM
fsr-3874	139	13	,	,	PUNCT
fsr-3874	139	14	929.96	929.96	NUM
fsr-3874	139	15	distributed	distribute	VERB
fsr-3874	139	16	x2	x2	NOUN
fsr-3874	139	17	with	with	ADP
fsr-3874	139	18	23	23	NUM
fsr-3874	139	19	degrees	degree	NOUN
fsr-3874	139	20	of	of	ADP
fsr-3874	139	21	freedom	freedom	NOUN
fsr-3874	139	22	.	.	PUNCT
fsr-3874	140	1	the	the	DET
fsr-3874	140	2	equation	equation	NOUN
fsr-3874	140	3	is	be	AUX
fsr-3874	140	4	significant	significant	ADJ
fsr-3874	140	5	at	at	ADP
fsr-3874	140	6	the	the	DET
fsr-3874	140	7	1	1	NUM
fsr-3874	140	8	%	%	NOUN
fsr-3874	140	9	level	level	NOUN
fsr-3874	140	10	.	.	PUNCT
fsr-3874	141	1	the	the	DET
fsr-3874	141	2	likelihood	likelihood	NOUN
fsr-3874	141	3	ratio	ratio	NOUN
fsr-3874	141	4	statistic	statistic	NOUN
fsr-3874	141	5	for	for	ADP
fsr-3874	141	6	the	the	DET
fsr-3874	141	7	men	man	NOUN
fsr-3874	141	8	’s	’s	PART
fsr-3874	141	9	equation	equation	NOUN
fsr-3874	141	10	was	be	AUX
fsr-3874	141	11	2	2	NUM
fsr-3874	141	12	,	,	PUNCT
fsr-3874	141	13	469.51	469.51	NUM
fsr-3874	141	14	distributed	distribute	VERB
fsr-3874	141	15	x2	x2	NOUN
fsr-3874	141	16	with	with	ADP
fsr-3874	141	17	24	24	NUM
fsr-3874	141	18	degrees	degree	NOUN
fsr-3874	141	19	of	of	ADP
fsr-3874	141	20	freedom	freedom	NOUN
fsr-3874	141	21	.	.	PUNCT
fsr-3874	142	1	the	the	DET
fsr-3874	142	2	equation	equation	NOUN
fsr-3874	142	3	is	be	AUX
fsr-3874	142	4	significant	significant	ADJ
fsr-3874	142	5	at	at	ADP
fsr-3874	142	6	the	the	DET
fsr-3874	142	7	1	1	NUM
fsr-3874	142	8	%	%	NOUN
fsr-3874	142	9	level	level	NOUN
fsr-3874	142	10	.	.	PUNCT
fsr-3874	143	1	8	8	NUM
fsr-3874	143	2	v.l	v.l	PROPN
fsr-3874	143	3	.	.	PROPN
fsr-3874	143	4	bajtelsmit	bajtelsmit	PROPN
fsr-3874	143	5	et	et	PROPN
fsr-3874	143	6	al	al	PROPN
fsr-3874	143	7	.	.	PUNCT
fsr-3874	143	8	/	/	SYM
fsr-3874	143	9	financial	financial	ADJ
fsr-3874	143	10	services	service	NOUN
fsr-3874	143	11	review	review	VERB
fsr-3874	143	12	8	8	NUM
fsr-3874	143	13	(	(	PUNCT
fsr-3874	143	14	1999	1999	NUM
fsr-3874	143	15	)	)	PUNCT
fsr-3874	143	16	1–10	1–10	NOUN
fsr-3874	143	17	is	be	AUX
fsr-3874	143	18	35	35	NUM
fsr-3874	143	19	%	%	NOUN
fsr-3874	143	20	.	.	PUNCT
fsr-3874	144	1	on	on	ADP
fsr-3874	144	2	the	the	DET
fsr-3874	144	3	other	other	ADJ
fsr-3874	144	4	hand	hand	NOUN
fsr-3874	144	5	,	,	PUNCT
fsr-3874	144	6	if	if	SCONJ
fsr-3874	144	7	women	woman	NOUN
fsr-3874	144	8	were	be	AUX
fsr-3874	144	9	assumed	assume	VERB
fsr-3874	144	10	to	to	PART
fsr-3874	144	11	have	have	VERB
fsr-3874	144	12	the	the	DET
fsr-3874	144	13	same	same	ADJ
fsr-3874	144	14	characteristics	characteristic	NOUN
fsr-3874	144	15	as	as	ADP
fsr-3874	144	16	the	the	DET
fsr-3874	144	17	sample	sample	NOUN
fsr-3874	144	18	average	average	NOUN
fsr-3874	144	19	for	for	ADP
fsr-3874	144	20	men	man	NOUN
fsr-3874	144	21	,	,	PUNCT
fsr-3874	144	22	and	and	CCONJ
fsr-3874	144	23	these	these	DET
fsr-3874	144	24	mean	mean	ADJ
fsr-3874	144	25	values	value	NOUN
fsr-3874	144	26	were	be	AUX
fsr-3874	144	27	applied	apply	VERB
fsr-3874	144	28	to	to	ADP
fsr-3874	144	29	the	the	DET
fsr-3874	144	30	estimated	estimate	VERB
fsr-3874	144	31	coefficients	coefficient	NOUN
fsr-3874	144	32	of	of	ADP
fsr-3874	144	33	the	the	DET
fsr-3874	144	34	women	woman	NOUN
fsr-3874	144	35	’s	’s	PART
fsr-3874	144	36	equation	equation	NOUN
fsr-3874	144	37	,	,	PUNCT
fsr-3874	144	38	the	the	DET
fsr-3874	144	39	predicted	predict	VERB
fsr-3874	144	40	proportion	proportion	NOUN
fsr-3874	144	41	of	of	ADP
fsr-3874	144	42	wealth	wealth	NOUN
fsr-3874	144	43	in	in	ADP
fsr-3874	144	44	dcps	dcp	NOUN
fsr-3874	144	45	would	would	AUX
fsr-3874	144	46	increase	increase	VERB
fsr-3874	144	47	to	to	ADP
fsr-3874	144	48	only	only	ADV
fsr-3874	144	49	27.9	27.9	NUM
fsr-3874	144	50	%	%	NOUN
fsr-3874	144	51	.	.	PUNCT
fsr-3874	145	1	thus	thus	ADV
fsr-3874	145	2	,	,	PUNCT
fsr-3874	145	3	the	the	DET
fsr-3874	145	4	gender	gender	NOUN
fsr-3874	145	5	differences	difference	NOUN
fsr-3874	145	6	in	in	ADP
fsr-3874	145	7	the	the	DET
fsr-3874	145	8	allocation	allocation	NOUN
fsr-3874	145	9	of	of	ADP
fsr-3874	145	10	wealth	wealth	NOUN
fsr-3874	145	11	to	to	ADP
fsr-3874	145	12	dcps	dcps	PROPN
fsr-3874	145	13	are	be	AUX
fsr-3874	145	14	largely	largely	ADV
fsr-3874	145	15	attributable	attributable	ADJ
fsr-3874	145	16	to	to	ADP
fsr-3874	145	17	differences	difference	NOUN
fsr-3874	145	18	in	in	ADP
fsr-3874	145	19	male	male	ADJ
fsr-3874	145	20	versus	versus	ADP
fsr-3874	145	21	female	female	ADJ
fsr-3874	145	22	behavior	behavior	NOUN
fsr-3874	145	23	.	.	PUNCT
fsr-3874	146	1	this	this	PRON
fsr-3874	146	2	is	be	AUX
fsr-3874	146	3	a	a	DET
fsr-3874	146	4	reflection	reflection	NOUN
fsr-3874	146	5	of	of	ADP
fsr-3874	146	6	the	the	DET
fsr-3874	146	7	differences	difference	NOUN
fsr-3874	146	8	in	in	ADP
fsr-3874	146	9	the	the	DET
fsr-3874	146	10	estimated	estimate	VERB
fsr-3874	146	11	regression	regression	NOUN
fsr-3874	146	12	coefficients	coefficient	NOUN
fsr-3874	146	13	,	,	PUNCT
fsr-3874	146	14	rather	rather	ADV
fsr-3874	146	15	than	than	ADP
fsr-3874	146	16	differences	difference	NOUN
fsr-3874	146	17	in	in	ADP
fsr-3874	146	18	the	the	DET
fsr-3874	146	19	characteristics	characteristic	NOUN
fsr-3874	146	20	of	of	ADP
fsr-3874	146	21	women	woman	NOUN
fsr-3874	146	22	versus	versus	ADP
fsr-3874	146	23	men	man	NOUN
fsr-3874	146	24	as	as	SCONJ
fsr-3874	146	25	summarized	summarize	VERB
fsr-3874	146	26	in	in	ADP
fsr-3874	146	27	the	the	DET
fsr-3874	146	28	variable	variable	ADJ
fsr-3874	146	29	means	mean	NOUN
fsr-3874	146	30	.	.	PUNCT
fsr-3874	147	1	4	4	X
fsr-3874	147	2	.	.	X
fsr-3874	147	3	conclusions	conclusion	NOUN
fsr-3874	147	4	and	and	CCONJ
fsr-3874	147	5	policy	policy	NOUN
fsr-3874	147	6	implications	implication	NOUN
fsr-3874	147	7	although	although	SCONJ
fsr-3874	147	8	several	several	ADJ
fsr-3874	147	9	previous	previous	ADJ
fsr-3874	147	10	studies	study	NOUN
fsr-3874	147	11	have	have	AUX
fsr-3874	147	12	examined	examine	VERB
fsr-3874	147	13	the	the	DET
fsr-3874	147	14	issue	issue	NOUN
fsr-3874	147	15	of	of	ADP
fsr-3874	147	16	gender	gender	NOUN
fsr-3874	147	17	differences	difference	NOUN
fsr-3874	147	18	in	in	ADP
fsr-3874	147	19	investing	investing	NOUN
fsr-3874	147	20	,	,	PUNCT
fsr-3874	147	21	this	this	DET
fsr-3874	147	22	study	study	NOUN
fsr-3874	147	23	specifically	specifically	ADV
fsr-3874	147	24	considers	consider	VERB
fsr-3874	147	25	the	the	DET
fsr-3874	147	26	allocation	allocation	NOUN
fsr-3874	147	27	of	of	ADP
fsr-3874	147	28	wealth	wealth	NOUN
fsr-3874	147	29	to	to	ADP
fsr-3874	147	30	pensions	pension	NOUN
fsr-3874	147	31	and	and	CCONJ
fsr-3874	147	32	improves	improve	VERB
fsr-3874	147	33	on	on	ADP
fsr-3874	147	34	earlier	early	ADJ
fsr-3874	147	35	studies	study	NOUN
fsr-3874	147	36	by	by	ADP
fsr-3874	147	37	including	include	VERB
fsr-3874	147	38	important	important	ADJ
fsr-3874	147	39	socio	socio	NOUN
fsr-3874	147	40	-	-	PUNCT
fsr-3874	147	41	economic	economic	ADJ
fsr-3874	147	42	and	and	CCONJ
fsr-3874	147	43	demographic	demographic	ADJ
fsr-3874	147	44	explanatory	explanatory	ADJ
fsr-3874	147	45	variables	variable	NOUN
fsr-3874	147	46	.	.	PUNCT
fsr-3874	148	1	the	the	DET
fsr-3874	148	2	results	result	NOUN
fsr-3874	148	3	of	of	ADP
fsr-3874	148	4	this	this	DET
fsr-3874	148	5	analysis	analysis	NOUN
fsr-3874	148	6	demonstrate	demonstrate	VERB
fsr-3874	148	7	that	that	SCONJ
fsr-3874	148	8	there	there	PRON
fsr-3874	148	9	are	be	VERB
fsr-3874	148	10	significant	significant	ADJ
fsr-3874	148	11	gender	gender	NOUN
fsr-3874	148	12	differences	difference	NOUN
fsr-3874	148	13	in	in	ADP
fsr-3874	148	14	allocation	allocation	NOUN
fsr-3874	148	15	of	of	ADP
fsr-3874	148	16	wealth	wealth	NOUN
fsr-3874	148	17	into	into	ADP
fsr-3874	148	18	defined	define	VERB
fsr-3874	148	19	contribution	contribution	NOUN
fsr-3874	148	20	pensions	pension	NOUN
fsr-3874	148	21	.	.	PUNCT
fsr-3874	149	1	this	this	DET
fsr-3874	149	2	study	study	NOUN
fsr-3874	149	3	improves	improve	VERB
fsr-3874	149	4	on	on	ADP
fsr-3874	149	5	earlier	early	ADJ
fsr-3874	149	6	research	research	NOUN
fsr-3874	149	7	by	by	ADP
fsr-3874	149	8	analyzing	analyze	VERB
fsr-3874	149	9	pension	pension	NOUN
fsr-3874	149	10	decisions	decision	NOUN
fsr-3874	149	11	within	within	ADP
fsr-3874	149	12	the	the	DET
fsr-3874	149	13	broader	broad	ADJ
fsr-3874	149	14	context	context	NOUN
fsr-3874	149	15	of	of	ADP
fsr-3874	149	16	the	the	DET
fsr-3874	149	17	household	household	NOUN
fsr-3874	149	18	portfolio	portfolio	NOUN
fsr-3874	149	19	.	.	PUNCT
fsr-3874	150	1	this	this	DET
fsr-3874	150	2	conclusion	conclusion	NOUN
fsr-3874	150	3	has	have	VERB
fsr-3874	150	4	important	important	ADJ
fsr-3874	150	5	implications	implication	NOUN
fsr-3874	150	6	for	for	ADP
fsr-3874	150	7	public	public	ADJ
fsr-3874	150	8	policy	policy	NOUN
fsr-3874	150	9	,	,	PUNCT
fsr-3874	150	10	particularly	particularly	ADV
fsr-3874	150	11	in	in	ADP
fsr-3874	150	12	light	light	NOUN
fsr-3874	150	13	of	of	ADP
fsr-3874	150	14	recent	recent	ADJ
fsr-3874	150	15	demographic	demographic	ADJ
fsr-3874	150	16	and	and	CCONJ
fsr-3874	150	17	legislative	legislative	ADJ
fsr-3874	150	18	trends	trend	NOUN
fsr-3874	150	19	.	.	PUNCT
fsr-3874	151	1	although	although	SCONJ
fsr-3874	151	2	pension	pension	NOUN
fsr-3874	151	3	coverage	coverage	NOUN
fsr-3874	151	4	rates	rate	NOUN
fsr-3874	151	5	for	for	ADP
fsr-3874	151	6	women	woman	NOUN
fsr-3874	151	7	have	have	AUX
fsr-3874	151	8	improved	improve	VERB
fsr-3874	151	9	substantially	substantially	ADV
fsr-3874	151	10	in	in	ADP
fsr-3874	151	11	the	the	DET
fsr-3874	151	12	last	last	ADJ
fsr-3874	151	13	two	two	NUM
fsr-3874	151	14	decades	decade	NOUN
fsr-3874	151	15	as	as	SCONJ
fsr-3874	151	16	the	the	DET
fsr-3874	151	17	number	number	NOUN
fsr-3874	151	18	of	of	ADP
fsr-3874	151	19	women	woman	NOUN
fsr-3874	151	20	in	in	ADP
fsr-3874	151	21	the	the	DET
fsr-3874	151	22	workforce	workforce	NOUN
fsr-3874	151	23	has	have	AUX
fsr-3874	151	24	increased	increase	VERB
fsr-3874	151	25	,	,	PUNCT
fsr-3874	151	26	this	this	DET
fsr-3874	151	27	study	study	NOUN
fsr-3874	151	28	indicates	indicate	VERB
fsr-3874	151	29	that	that	SCONJ
fsr-3874	151	30	women	woman	NOUN
fsr-3874	151	31	allocate	allocate	VERB
fsr-3874	151	32	a	a	DET
fsr-3874	151	33	smaller	small	ADJ
fsr-3874	151	34	proportion	proportion	NOUN
fsr-3874	151	35	of	of	ADP
fsr-3874	151	36	their	their	PRON
fsr-3874	151	37	total	total	ADJ
fsr-3874	151	38	wealth	wealth	NOUN
fsr-3874	151	39	to	to	ADP
fsr-3874	151	40	these	these	DET
fsr-3874	151	41	retirement	retirement	NOUN
fsr-3874	151	42	vehicles	vehicle	NOUN
fsr-3874	151	43	.	.	PUNCT
fsr-3874	152	1	at	at	ADP
fsr-3874	152	2	the	the	DET
fsr-3874	152	3	same	same	ADJ
fsr-3874	152	4	time	time	NOUN
fsr-3874	152	5	,	,	PUNCT
fsr-3874	152	6	social	social	ADJ
fsr-3874	152	7	security	security	NOUN
fsr-3874	152	8	replacement	replacement	NOUN
fsr-3874	152	9	ratios	ratio	NOUN
fsr-3874	152	10	are	be	AUX
fsr-3874	152	11	lower	low	ADJ
fsr-3874	152	12	than	than	SCONJ
fsr-3874	152	13	they	they	PRON
fsr-3874	152	14	have	have	AUX
fsr-3874	152	15	been	be	AUX
fsr-3874	152	16	in	in	ADP
fsr-3874	152	17	the	the	DET
fsr-3874	152	18	past	past	NOUN
fsr-3874	152	19	and	and	CCONJ
fsr-3874	152	20	most	most	ADJ
fsr-3874	152	21	new	new	ADJ
fsr-3874	152	22	pensions	pension	NOUN
fsr-3874	152	23	require	require	VERB
fsr-3874	152	24	self	self	NOUN
fsr-3874	152	25	-	-	PUNCT
fsr-3874	152	26	direction	direction	NOUN
fsr-3874	152	27	of	of	ADP
fsr-3874	152	28	pension	pension	NOUN
fsr-3874	152	29	account	account	NOUN
fsr-3874	152	30	allocations	allocation	NOUN
fsr-3874	152	31	.	.	PUNCT
fsr-3874	153	1	given	give	VERB
fsr-3874	153	2	evidence	evidence	NOUN
fsr-3874	153	3	that	that	SCONJ
fsr-3874	153	4	women	woman	NOUN
fsr-3874	153	5	tend	tend	VERB
fsr-3874	153	6	to	to	PART
fsr-3874	153	7	be	be	AUX
fsr-3874	153	8	very	very	ADV
fsr-3874	153	9	risk	risk	NOUN
fsr-3874	153	10	averse	averse	ADJ
fsr-3874	153	11	with	with	ADP
fsr-3874	153	12	respect	respect	NOUN
fsr-3874	153	13	to	to	ADP
fsr-3874	153	14	the	the	DET
fsr-3874	153	15	pension	pension	NOUN
fsr-3874	153	16	allocation	allocation	NOUN
fsr-3874	153	17	decision	decision	NOUN
fsr-3874	153	18	,	,	PUNCT
fsr-3874	153	19	it	it	PRON
fsr-3874	153	20	is	be	AUX
fsr-3874	153	21	likely	likely	ADJ
fsr-3874	153	22	that	that	SCONJ
fsr-3874	153	23	women	woman	NOUN
fsr-3874	153	24	will	will	AUX
fsr-3874	153	25	retire	retire	VERB
fsr-3874	153	26	with	with	ADP
fsr-3874	153	27	significantly	significantly	ADV
fsr-3874	153	28	lower	low	ADJ
fsr-3874	153	29	pension	pension	NOUN
fsr-3874	153	30	wealth	wealth	NOUN
fsr-3874	153	31	than	than	ADP
fsr-3874	153	32	their	their	PRON
fsr-3874	153	33	male	male	ADJ
fsr-3874	153	34	counterparts	counterpart	NOUN
fsr-3874	153	35	.	.	PUNCT
fsr-3874	154	1	furthermore	furthermore	ADV
fsr-3874	154	2	,	,	PUNCT
fsr-3874	154	3	this	this	DET
fsr-3874	154	4	smaller	small	ADJ
fsr-3874	154	5	wealth	wealth	NOUN
fsr-3874	154	6	will	will	AUX
fsr-3874	154	7	have	have	VERB
fsr-3874	154	8	to	to	PART
fsr-3874	154	9	be	be	AUX
fsr-3874	154	10	spread	spread	VERB
fsr-3874	154	11	over	over	ADP
fsr-3874	154	12	a	a	DET
fsr-3874	154	13	longer	long	ADJ
fsr-3874	154	14	retirement	retirement	NOUN
fsr-3874	154	15	due	due	ADP
fsr-3874	154	16	to	to	ADP
fsr-3874	154	17	greater	great	ADJ
fsr-3874	154	18	average	average	ADJ
fsr-3874	154	19	longevity	longevity	NOUN
fsr-3874	154	20	.	.	PUNCT
fsr-3874	155	1	references	reference	NOUN
fsr-3874	155	2	arrow	arrow	NOUN
fsr-3874	155	3	,	,	PUNCT
fsr-3874	155	4	k.	k.	PROPN
fsr-3874	155	5	j.	j.	PROPN
fsr-3874	156	1	(	(	PUNCT
fsr-3874	156	2	1971).essays	1971).essays	NUM
fsr-3874	156	3	in	in	ADP
fsr-3874	156	4	the	the	DET
fsr-3874	156	5	theory	theory	NOUN
fsr-3874	156	6	of	of	ADP
fsr-3874	156	7	risk	risk	NOUN
fsr-3874	156	8	bearing	bearing	NOUN
fsr-3874	156	9	.	.	PUNCT
fsr-3874	157	1	chicago	chicago	PROPN
fsr-3874	157	2	:	:	PUNCT
fsr-3874	158	1	markham	markham	PROPN
fsr-3874	158	2	.	.	PUNCT
fsr-3874	158	3	bajtelsmit	bajtelsmit	PROPN
fsr-3874	158	4	,	,	PUNCT
fsr-3874	158	5	v.	v.	PROPN
fsr-3874	158	6	l.	l.	PROPN
fsr-3874	158	7	,	,	PUNCT
fsr-3874	158	8	&	&	CCONJ
fsr-3874	158	9	bernasek	bernasek	PROPN
fsr-3874	158	10	a.	a.	NOUN
fsr-3874	159	1	(	(	PUNCT
fsr-3874	159	2	1996).why	1996).why	NUM
fsr-3874	159	3	do	do	AUX
fsr-3874	159	4	women	woman	NOUN
fsr-3874	159	5	invest	invest	VERB
fsr-3874	159	6	differently	differently	ADV
fsr-3874	159	7	than	than	ADP
fsr-3874	159	8	men	man	NOUN
fsr-3874	159	9	?	?	PUNCT
fsr-3874	160	1	finan	finan	PROPN
fsr-3874	160	2	counsel	counsel	NOUN
fsr-3874	160	3	plan	plan	NOUN
fsr-3874	160	4	,	,	PUNCT
fsr-3874	160	5	7	7	NUM
fsr-3874	160	6	,	,	PUNCT
fsr-3874	160	7	1–10	1–10	NOUN
fsr-3874	160	8	.	.	PUNCT
fsr-3874	160	9	bajtelsmit	bajtelsmit	NOUN
fsr-3874	160	10	,	,	PUNCT
fsr-3874	160	11	v.	v.	PROPN
fsr-3874	160	12	l.	l.	PROPN
fsr-3874	160	13	,	,	PUNCT
fsr-3874	160	14	&	&	CCONJ
fsr-3874	160	15	vanderhei	vanderhei	PROPN
fsr-3874	160	16	,	,	PUNCT
fsr-3874	160	17	j.	j.	PROPN
fsr-3874	160	18	a.	a.	PROPN
fsr-3874	160	19	(	(	PUNCT
fsr-3874	160	20	1997	1997	NUM
fsr-3874	160	21	)	)	PUNCT
fsr-3874	160	22	.	.	PUNCT
fsr-3874	161	1	risk	risk	NOUN
fsr-3874	161	2	aversion	aversion	NOUN
fsr-3874	161	3	and	and	CCONJ
fsr-3874	161	4	retirement	retirement	NOUN
fsr-3874	161	5	income	income	NOUN
fsr-3874	161	6	adequacy	adequacy	NOUN
fsr-3874	161	7	.	.	PUNCT
fsr-3874	162	1	in	in	ADP
fsr-3874	162	2	.	.	PUNCT
fsr-3874	163	1	mitchell	mitchell	PROPN
fsr-3874	163	2	,	,	PUNCT
fsr-3874	163	3	o.	o.	PROPN
fsr-3874	163	4	s.	s.	PROPN
fsr-3874	163	5	(	(	PUNCT
fsr-3874	163	6	ed	ed	NOUN
fsr-3874	163	7	.	.	PUNCT
fsr-3874	163	8	)	)	PUNCT
fsr-3874	164	1	positioning	position	VERB
fsr-3874	164	2	pensions	pension	NOUN
fsr-3874	164	3	for	for	ADP
fsr-3874	164	4	the	the	DET
fsr-3874	164	5	year	year	NOUN
fsr-3874	164	6	2	2	NUM
fsr-3874	164	7	000(pp	000(pp	NOUN
fsr-3874	164	8	.	.	PUNCT
fsr-3874	165	1	45–66	45–66	NUM
fsr-3874	165	2	)	)	PUNCT
fsr-3874	165	3	.	.	PUNCT
fsr-3874	166	1	philadelphia	philadelphia	PROPN
fsr-3874	166	2	:	:	PUNCT
fsr-3874	166	3	university	university	NOUN
fsr-3874	166	4	of	of	ADP
fsr-3874	166	5	pennsylvania	pennsylvania	PROPN
fsr-3874	166	6	press	press	PROPN
fsr-3874	166	7	.	.	PUNCT
fsr-3874	167	1	bellante	bellante	PROPN
fsr-3874	167	2	,	,	PUNCT
fsr-3874	167	3	d.	d.	PROPN
fsr-3874	167	4	&	&	CCONJ
fsr-3874	167	5	saba	saba	PROPN
fsr-3874	167	6	r.	r.	PROPN
fsr-3874	167	7	p.	p.	PROPN
fsr-3874	167	8	(	(	PUNCT
fsr-3874	167	9	1986	1986	NUM
fsr-3874	167	10	)	)	PUNCT
fsr-3874	167	11	.	.	PUNCT
fsr-3874	168	1	human	human	ADJ
fsr-3874	168	2	capital	capital	NOUN
fsr-3874	168	3	and	and	CCONJ
fsr-3874	168	4	life	life	NOUN
fsr-3874	168	5	-	-	PUNCT
fsr-3874	168	6	cycle	cycle	NOUN
fsr-3874	168	7	effects	effect	NOUN
fsr-3874	168	8	on	on	ADP
fsr-3874	168	9	risk	risk	NOUN
fsr-3874	168	10	aversion.j	aversion.j	PROPN
fsr-3874	168	11	finan	finan	PROPN
fsr-3874	168	12	res	re	NOUN
fsr-3874	168	13	,	,	PUNCT
fsr-3874	168	14	9(spring	9(spring	NOUN
fsr-3874	168	15	)	)	PUNCT
fsr-3874	168	16	,	,	PUNCT
fsr-3874	168	17	41–51	41–51	NUM
fsr-3874	168	18	.	.	PUNCT
fsr-3874	169	1	curtin	curtin	PROPN
fsr-3874	169	2	,	,	PUNCT
fsr-3874	169	3	r.	r.	PROPN
fsr-3874	169	4	,	,	PUNCT
fsr-3874	169	5	thomas	thomas	PROPN
fsr-3874	169	6	,	,	PUNCT
fsr-3874	169	7	f.	f.	PROPN
fsr-3874	169	8	,	,	PUNCT
fsr-3874	169	9	&	&	CCONJ
fsr-3874	169	10	morgan	morgan	PROPN
fsr-3874	169	11	,	,	PUNCT
fsr-3874	169	12	j.	j.	PROPN
fsr-3874	169	13	(	(	PUNCT
fsr-3874	169	14	1989	1989	NUM
fsr-3874	169	15	)	)	PUNCT
fsr-3874	169	16	.	.	PUNCT
fsr-3874	170	1	survey	survey	NOUN
fsr-3874	170	2	of	of	ADP
fsr-3874	170	3	estimates	estimate	NOUN
fsr-3874	170	4	of	of	ADP
fsr-3874	170	5	wealth	wealth	NOUN
fsr-3874	170	6	:	:	PUNCT
fsr-3874	170	7	an	an	DET
fsr-3874	170	8	assessment	assessment	NOUN
fsr-3874	170	9	of	of	ADP
fsr-3874	170	10	quality	quality	NOUN
fsr-3874	170	11	.	.	PUNCT
fsr-3874	171	1	in	in	ADP
fsr-3874	171	2	lipsey	lipsey	PROPN
fsr-3874	171	3	,	,	PUNCT
fsr-3874	171	4	r.	r.	PROPN
fsr-3874	171	5	&	&	CCONJ
fsr-3874	171	6	tice	tice	PROPN
fsr-3874	171	7	,	,	PUNCT
fsr-3874	171	8	h.	h.	PROPN
fsr-3874	171	9	s.	s.	PROPN
fsr-3874	171	10	(	(	PUNCT
fsr-3874	171	11	eds.).the	eds.).the	DET
fsr-3874	171	12	measurement	measurement	NOUN
fsr-3874	171	13	of	of	ADP
fsr-3874	171	14	saving	saving	NOUN
fsr-3874	171	15	,	,	PUNCT
fsr-3874	171	16	investment	investment	NOUN
fsr-3874	171	17	,	,	PUNCT
fsr-3874	171	18	and	and	CCONJ
fsr-3874	171	19	wealth(pp	wealth(pp	VERB
fsr-3874	171	20	.	.	PUNCT
fsr-3874	171	21	473–548	473–548	NUM
fsr-3874	171	22	)	)	PUNCT
fsr-3874	171	23	.	.	PUNCT
fsr-3874	172	1	chicago	chicago	PROPN
fsr-3874	172	2	:	:	PUNCT
fsr-3874	172	3	university	university	NOUN
fsr-3874	172	4	of	of	ADP
fsr-3874	172	5	chicago	chicago	PROPN
fsr-3874	172	6	press	press	NOUN
fsr-3874	172	7	.	.	PUNCT
fsr-3874	173	1	fama	fama	PROPN
fsr-3874	173	2	,	,	PUNCT
fsr-3874	173	3	e.	e.	PROPN
fsr-3874	173	4	f.	f.	PROPN
fsr-3874	173	5	&	&	CCONJ
fsr-3874	173	6	schwert	schwert	PROPN
fsr-3874	173	7	,	,	PUNCT
fsr-3874	173	8	g.	g.	PROPN
fsr-3874	173	9	w.	w.	PROPN
fsr-3874	173	10	(	(	PUNCT
fsr-3874	173	11	1977	1977	NUM
fsr-3874	173	12	)	)	PUNCT
fsr-3874	173	13	.	.	PUNCT
fsr-3874	174	1	human	human	ADJ
fsr-3874	174	2	capital	capital	NOUN
fsr-3874	174	3	and	and	CCONJ
fsr-3874	174	4	capital	capital	NOUN
fsr-3874	174	5	market	market	NOUN
fsr-3874	174	6	equilibrium.j	equilibrium.j	PROPN
fsr-3874	174	7	finan	finan	PROPN
fsr-3874	174	8	econ	econ	PROPN
fsr-3874	174	9	,	,	PUNCT
fsr-3874	174	10	4	4	NUM
fsr-3874	174	11	,	,	PUNCT
fsr-3874	174	12	95–125	95–125	NUM
fsr-3874	174	13	.	.	PUNCT
fsr-3874	174	14	friend	friend	PROPN
fsr-3874	174	15	,	,	PUNCT
fsr-3874	174	16	i.	i.	PROPN
fsr-3874	174	17	&	&	CCONJ
fsr-3874	174	18	blume	blume	PROPN
fsr-3874	174	19	,	,	PUNCT
fsr-3874	174	20	m.	m.	PROPN
fsr-3874	174	21	e.	e.	PROPN
fsr-3874	174	22	(	(	PUNCT
fsr-3874	174	23	1975	1975	NUM
fsr-3874	174	24	)	)	PUNCT
fsr-3874	174	25	.	.	PUNCT
fsr-3874	175	1	the	the	DET
fsr-3874	175	2	demand	demand	NOUN
fsr-3874	175	3	for	for	ADP
fsr-3874	175	4	risky	risky	ADJ
fsr-3874	175	5	assets.am	assets.am	ADP
fsr-3874	175	6	econ	econ	PROPN
fsr-3874	175	7	rev	rev	X
fsr-3874	175	8	,	,	PUNCT
fsr-3874	175	9	65(december	65(december	NUM
fsr-3874	175	10	)	)	PUNCT
fsr-3874	175	11	,	,	PUNCT
fsr-3874	175	12	900–922	900–922	NUM
fsr-3874	175	13	.	.	PUNCT
fsr-3874	175	14	gilbert	gilbert	PROPN
fsr-3874	175	15	,	,	PUNCT
fsr-3874	175	16	r.	r.	PROPN
fsr-3874	175	17	f.	f.	PROPN
fsr-3874	175	18	(	(	PUNCT
fsr-3874	175	19	1994	1994	NUM
fsr-3874	175	20	)	)	PUNCT
fsr-3874	175	21	.	.	PUNCT
fsr-3874	176	1	estimates	estimate	NOUN
fsr-3874	176	2	of	of	ADP
fsr-3874	176	3	earnings	earning	NOUN
fsr-3874	176	4	growth	growth	NOUN
fsr-3874	176	5	rates	rate	NOUN
fsr-3874	176	6	based	base	VERB
fsr-3874	176	7	on	on	ADP
fsr-3874	176	8	earnings	earning	NOUN
fsr-3874	176	9	profiles.j	profiles.j	NOUN
fsr-3874	176	10	legal	legal	ADJ
fsr-3874	176	11	econ	econ	NOUN
fsr-3874	176	12	,	,	PUNCT
fsr-3874	176	13	(	(	PUNCT
fsr-3874	176	14	summer	summer	NOUN
fsr-3874	176	15	)	)	PUNCT
fsr-3874	176	16	,	,	PUNCT
fsr-3874	176	17	1–17	1–17	PROPN
fsr-3874	176	18	.	.	PUNCT
fsr-3874	177	1	9v.l	9v.l	NUM
fsr-3874	177	2	.	.	X
fsr-3874	178	1	bajtelsmit	bajtelsmit	VERB
fsr-3874	178	2	et	et	PROPN
fsr-3874	178	3	al	al	PROPN
fsr-3874	178	4	.	.	PUNCT
fsr-3874	178	5	/	/	SYM
fsr-3874	178	6	financial	financial	ADJ
fsr-3874	178	7	services	service	NOUN
fsr-3874	178	8	review	review	VERB
fsr-3874	178	9	8	8	NUM
fsr-3874	178	10	(	(	PUNCT
fsr-3874	178	11	1999	1999	NUM
fsr-3874	178	12	)	)	PUNCT
fsr-3874	178	13	1–10	1–10	PROPN
fsr-3874	178	14	goodfellow	goodfellow	PROPN
fsr-3874	178	15	,	,	PUNCT
fsr-3874	178	16	g.	g.	PROPN
fsr-3874	178	17	p.	p.	PROPN
fsr-3874	178	18	,	,	PUNCT
fsr-3874	178	19	&	&	CCONJ
fsr-3874	178	20	schieber	schieber	PROPN
fsr-3874	178	21	,	,	PUNCT
fsr-3874	178	22	s.	s.	PROPN
fsr-3874	178	23	j.	j.	PROPN
fsr-3874	178	24	(	(	PUNCT
fsr-3874	178	25	1997	1997	NUM
fsr-3874	178	26	)	)	PUNCT
fsr-3874	178	27	.	.	PUNCT
fsr-3874	179	1	investment	investment	NOUN
fsr-3874	179	2	of	of	ADP
fsr-3874	179	3	assets	asset	NOUN
fsr-3874	179	4	in	in	ADP
fsr-3874	179	5	self	self	NOUN
fsr-3874	179	6	-	-	PUNCT
fsr-3874	179	7	directed	direct	VERB
fsr-3874	179	8	retirement	retirement	NOUN
fsr-3874	179	9	plans	plan	NOUN
fsr-3874	179	10	.	.	PUNCT
fsr-3874	180	1	in	in	ADP
fsr-3874	180	2	mitchell	mitchell	PROPN
fsr-3874	180	3	,	,	PUNCT
fsr-3874	180	4	o.	o.	PROPN
fsr-3874	180	5	(	(	PUNCT
fsr-3874	180	6	ed.)positioning	ed.)positione	VERB
fsr-3874	180	7	pensions	pension	NOUN
fsr-3874	180	8	for	for	ADP
fsr-3874	180	9	the	the	DET
fsr-3874	180	10	year	year	NOUN
fsr-3874	180	11	2000(pp	2000(pp	NUM
fsr-3874	180	12	.	.	PUNCT
fsr-3874	180	13	67–90	67–90	NUM
fsr-3874	180	14	)	)	PUNCT
fsr-3874	180	15	.	.	PUNCT
fsr-3874	181	1	philadelphia	philadelphia	PROPN
fsr-3874	181	2	:	:	PUNCT
fsr-3874	181	3	university	university	NOUN
fsr-3874	181	4	of	of	ADP
fsr-3874	181	5	pennsylvania	pennsylvania	PROPN
fsr-3874	181	6	press	press	PROPN
fsr-3874	181	7	.	.	PUNCT
fsr-3874	182	1	gustman	gustman	PROPN
fsr-3874	182	2	,	,	PUNCT
fsr-3874	182	3	a.	a.	PROPN
fsr-3874	182	4	l.	l.	PROPN
fsr-3874	182	5	&	&	CCONJ
fsr-3874	182	6	steinmeier	steinmeier	PROPN
fsr-3874	182	7	,	,	PUNCT
fsr-3874	182	8	t.	t.	PROPN
fsr-3874	182	9	(	(	PUNCT
fsr-3874	182	10	1992	1992	NUM
fsr-3874	182	11	)	)	PUNCT
fsr-3874	182	12	.	.	PUNCT
fsr-3874	183	1	the	the	DET
fsr-3874	183	2	stampede	stampede	NOUN
fsr-3874	183	3	toward	toward	ADP
fsr-3874	183	4	defined	define	VERB
fsr-3874	183	5	contribution	contribution	NOUN
fsr-3874	183	6	plans	plan	NOUN
fsr-3874	183	7	:	:	PUNCT
fsr-3874	183	8	fact	fact	NOUN
fsr-3874	183	9	or	or	CCONJ
fsr-3874	183	10	fiction?indus	fiction?indus	PROPN
fsr-3874	183	11	relations	relation	NOUN
fsr-3874	183	12	,	,	PUNCT
fsr-3874	183	13	31(2	31(2	NUM
fsr-3874	183	14	)	)	PUNCT
fsr-3874	183	15	,	,	PUNCT
fsr-3874	183	16	361–369	361–369	NUM
fsr-3874	183	17	.	.	PUNCT
fsr-3874	184	1	greene	greene	PROPN
fsr-3874	184	2	,	,	PUNCT
fsr-3874	184	3	w.	w.	PROPN
fsr-3874	184	4	h.	h.	PROPN
fsr-3874	184	5	(	(	PUNCT
fsr-3874	184	6	1993).econometric	1993).econometric	NUM
fsr-3874	184	7	analysis(2nd	analysis(2nd	PROPN
fsr-3874	184	8	.	.	PUNCT
fsr-3874	185	1	ed	ed	NOUN
fsr-3874	185	2	)	)	PUNCT
fsr-3874	185	3	.	.	PUNCT
fsr-3874	186	1	new	new	PROPN
fsr-3874	186	2	york	york	PROPN
fsr-3874	186	3	:	:	PUNCT
fsr-3874	186	4	macmillan	macmillan	PROPN
fsr-3874	186	5	publishing	publishing	PROPN
fsr-3874	186	6	company	company	NOUN
fsr-3874	186	7	.	.	PUNCT
fsr-3874	187	1	heckman	heckman	PROPN
fsr-3874	187	2	,	,	PUNCT
fsr-3874	187	3	j.	j.	PROPN
fsr-3874	187	4	(	(	PUNCT
fsr-3874	187	5	1979	1979	NUM
fsr-3874	187	6	)	)	PUNCT
fsr-3874	187	7	.	.	PUNCT
fsr-3874	188	1	sample	sample	NOUN
fsr-3874	188	2	selection	selection	NOUN
fsr-3874	188	3	bias	bias	NOUN
fsr-3874	188	4	as	as	ADP
fsr-3874	188	5	a	a	DET
fsr-3874	188	6	specification	specification	NOUN
fsr-3874	188	7	error.econometrica	error.econometrica	PROPN
fsr-3874	188	8	47(january	47(january	NUM
fsr-3874	188	9	)	)	PUNCT
fsr-3874	188	10	,	,	PUNCT
fsr-3874	188	11	153–161	153–161	NUM
fsr-3874	188	12	.	.	PUNCT
fsr-3874	189	1	hersch	hersch	PROPN
fsr-3874	189	2	,	,	PUNCT
fsr-3874	189	3	j.	j.	PROPN
fsr-3874	189	4	(	(	PUNCT
fsr-3874	189	5	1996	1996	NUM
fsr-3874	189	6	)	)	PUNCT
fsr-3874	189	7	.	.	PUNCT
fsr-3874	190	1	smoking	smoking	NOUN
fsr-3874	190	2	,	,	PUNCT
fsr-3874	190	3	seat	seat	NOUN
fsr-3874	190	4	belts	belt	NOUN
fsr-3874	190	5	,	,	PUNCT
fsr-3874	190	6	and	and	CCONJ
fsr-3874	190	7	other	other	ADJ
fsr-3874	190	8	risky	risky	ADJ
fsr-3874	190	9	consumer	consumer	NOUN
fsr-3874	190	10	decisions	decision	NOUN
fsr-3874	190	11	:	:	PUNCT
fsr-3874	190	12	differences	difference	NOUN
fsr-3874	190	13	by	by	ADP
fsr-3874	190	14	gender	gender	NOUN
fsr-3874	190	15	and	and	CCONJ
fsr-3874	190	16	race	race	NOUN
fsr-3874	190	17	.	.	PUNCT
fsr-3874	191	1	managerial	managerial	ADJ
fsr-3874	191	2	decision	decision	NOUN
fsr-3874	191	3	economics	economic	NOUN
fsr-3874	191	4	,	,	PUNCT
fsr-3874	191	5	17(5	17(5	NUM
fsr-3874	191	6	)	)	PUNCT
fsr-3874	191	7	,	,	PUNCT
fsr-3874	191	8	471–481	471–481	NUM
fsr-3874	191	9	.	.	PUNCT
fsr-3874	192	1	hinz	hinz	PROPN
fsr-3874	192	2	,	,	PUNCT
fsr-3874	192	3	r.	r.	PROPN
fsr-3874	192	4	p.	p.	PROPN
fsr-3874	192	5	,	,	PUNCT
fsr-3874	192	6	mccarthy	mccarthy	PROPN
fsr-3874	192	7	,	,	PUNCT
fsr-3874	192	8	d.	d.	PROPN
fsr-3874	192	9	d.	d.	PROPN
fsr-3874	192	10	,	,	PUNCT
fsr-3874	192	11	&	&	CCONJ
fsr-3874	192	12	turner	turner	PROPN
fsr-3874	192	13	,	,	PUNCT
fsr-3874	192	14	j.	j.	PROPN
fsr-3874	192	15	a.	a.	PROPN
fsr-3874	192	16	(	(	PUNCT
fsr-3874	192	17	1997	1997	NUM
fsr-3874	192	18	)	)	PUNCT
fsr-3874	192	19	.	.	PUNCT
fsr-3874	192	20	are	be	AUX
fsr-3874	192	21	women	woman	NOUN
fsr-3874	192	22	conservative	conservative	ADJ
fsr-3874	192	23	investors	investor	NOUN
fsr-3874	192	24	?	?	PUNCT
fsr-3874	193	1	gender	gender	NOUN
fsr-3874	193	2	differences	difference	NOUN
fsr-3874	193	3	in	in	ADP
fsr-3874	193	4	participant	participant	ADJ
fsr-3874	193	5	-	-	PUNCT
fsr-3874	193	6	directed	direct	VERB
fsr-3874	193	7	pension	pension	NOUN
fsr-3874	193	8	investments	investment	NOUN
fsr-3874	193	9	.	.	PUNCT
fsr-3874	194	1	in	in	ADP
fsr-3874	194	2	mitchell	mitchell	PROPN
fsr-3874	194	3	,	,	PUNCT
fsr-3874	194	4	o.	o.	PROPN
fsr-3874	194	5	(	(	PUNCT
fsr-3874	194	6	ed.)positioning	ed.)positione	VERB
fsr-3874	194	7	pensions	pension	NOUN
fsr-3874	194	8	for	for	ADP
fsr-3874	194	9	the	the	DET
fsr-3874	194	10	year	year	NOUN
fsr-3874	194	11	2000(pp	2000(pp	NUM
fsr-3874	194	12	.	.	PUNCT
fsr-3874	195	1	91–103	91–103	NUM
fsr-3874	195	2	)	)	PUNCT
fsr-3874	195	3	.	.	PUNCT
fsr-3874	196	1	philadelphia	philadelphia	PROPN
fsr-3874	196	2	:	:	PUNCT
fsr-3874	196	3	university	university	NOUN
fsr-3874	196	4	of	of	ADP
fsr-3874	196	5	pennsylvania	pennsylvania	PROPN
fsr-3874	196	6	press	press	PROPN
fsr-3874	196	7	.	.	PUNCT
fsr-3874	197	1	jianakoplos	jianakoplos	PROPN
fsr-3874	197	2	,	,	PUNCT
fsr-3874	197	3	n.	n.	NOUN
fsr-3874	197	4	,	,	PUNCT
fsr-3874	197	5	&	&	CCONJ
fsr-3874	197	6	bernasek	bernasek	PROPN
fsr-3874	197	7	,	,	PUNCT
fsr-3874	197	8	a.	a.	NOUN
fsr-3874	197	9	(	(	PUNCT
fsr-3874	197	10	1998	1998	NUM
fsr-3874	197	11	)	)	PUNCT
fsr-3874	197	12	.	.	PUNCT
fsr-3874	197	13	are	be	AUX
fsr-3874	197	14	women	woman	NOUN
fsr-3874	197	15	more	more	ADJ
fsr-3874	197	16	risk	risk	NOUN
fsr-3874	197	17	averse?economic	averse?economic	ADJ
fsr-3874	197	18	inquiry	inquiry	NOUN
fsr-3874	197	19	,	,	PUNCT
fsr-3874	197	20	36(4	36(4	NUM
fsr-3874	197	21	)	)	PUNCT
fsr-3874	197	22	,	,	PUNCT
fsr-3874	197	23	620–630	620–630	NUM
fsr-3874	197	24	.	.	PUNCT
fsr-3874	198	1	juster	juster	NOUN
fsr-3874	198	2	,	,	PUNCT
fsr-3874	198	3	f.	f.	PROPN
fsr-3874	198	4	t.	t.	PROPN
fsr-3874	198	5	,	,	PUNCT
fsr-3874	198	6	&	&	CCONJ
fsr-3874	198	7	kuester	kuester	PROPN
fsr-3874	198	8	,	,	PUNCT
fsr-3874	198	9	k	k	PROPN
fsr-3874	198	10	a.	a.	NOUN
fsr-3874	198	11	(	(	PUNCT
fsr-3874	198	12	1991	1991	NUM
fsr-3874	198	13	)	)	PUNCT
fsr-3874	198	14	.	.	PUNCT
fsr-3874	199	1	differences	difference	NOUN
fsr-3874	199	2	in	in	ADP
fsr-3874	199	3	the	the	DET
fsr-3874	199	4	measurement	measurement	NOUN
fsr-3874	199	5	of	of	ADP
fsr-3874	199	6	wealth	wealth	NOUN
fsr-3874	199	7	,	,	PUNCT
fsr-3874	199	8	wealth	wealth	NOUN
fsr-3874	199	9	inequality	inequality	NOUN
fsr-3874	199	10	,	,	PUNCT
fsr-3874	199	11	and	and	CCONJ
fsr-3874	199	12	wealth	wealth	NOUN
fsr-3874	199	13	composition	composition	NOUN
fsr-3874	199	14	obtained	obtain	VERB
fsr-3874	199	15	from	from	ADP
fsr-3874	199	16	alternative	alternative	ADJ
fsr-3874	199	17	u.s	u.s	PROPN
fsr-3874	199	18	.	.	PROPN
fsr-3874	199	19	wealth	wealth	NOUN
fsr-3874	199	20	surveys.rev	surveys.rev	PROPN
fsr-3874	199	21	income	income	NOUN
fsr-3874	199	22	wealth	wealth	NOUN
fsr-3874	199	23	,	,	PUNCT
fsr-3874	199	24	37(march),33–62	37(march),33–62	NUM
fsr-3874	199	25	.	.	PUNCT
fsr-3874	200	1	kennickell	kennickell	PROPN
fsr-3874	200	2	,	,	PUNCT
fsr-3874	200	3	a.	a.	PROPN
fsr-3874	200	4	,	,	PUNCT
fsr-3874	200	5	&	&	CCONJ
fsr-3874	200	6	shack	shack	PROPN
fsr-3874	200	7	-	-	PUNCT
fsr-3874	200	8	marquez	marquez	PROPN
fsr-3874	200	9	,	,	PUNCT
fsr-3874	200	10	j.	j.	PROPN
fsr-3874	200	11	(	(	PUNCT
fsr-3874	200	12	1992	1992	NUM
fsr-3874	200	13	)	)	PUNCT
fsr-3874	200	14	.	.	PUNCT
fsr-3874	201	1	changes	change	NOUN
fsr-3874	201	2	in	in	ADP
fsr-3874	201	3	family	family	NOUN
fsr-3874	201	4	finances	finance	NOUN
fsr-3874	201	5	from	from	ADP
fsr-3874	201	6	1983	1983	NUM
fsr-3874	201	7	through	through	ADP
fsr-3874	201	8	1989	1989	NUM
fsr-3874	201	9	:	:	PUNCT
fsr-3874	201	10	evidence	evidence	NOUN
fsr-3874	201	11	from	from	ADP
fsr-3874	201	12	the	the	DET
fsr-3874	201	13	survey	survey	NOUN
fsr-3874	201	14	of	of	ADP
fsr-3874	201	15	consumer	consumer	NOUN
fsr-3874	201	16	finances.fed	finances.fed	X
fsr-3874	201	17	reserve	reserve	NOUN
fsr-3874	201	18	bull	bull	NOUN
fsr-3874	201	19	,	,	PUNCT
fsr-3874	201	20	(	(	PUNCT
fsr-3874	201	21	january	january	PROPN
fsr-3874	201	22	)	)	PUNCT
fsr-3874	201	23	,	,	PUNCT
fsr-3874	201	24	1–18	1–18	NUM
fsr-3874	201	25	.	.	PUNCT
fsr-3874	202	1	liberman	liberman	PROPN
fsr-3874	202	2	,	,	PUNCT
fsr-3874	202	3	j.	j.	PROPN
fsr-3874	202	4	(	(	PUNCT
fsr-3874	202	5	1980	1980	NUM
fsr-3874	202	6	)	)	PUNCT
fsr-3874	202	7	.	.	PUNCT
fsr-3874	203	1	human	human	ADJ
fsr-3874	203	2	capital	capital	NOUN
fsr-3874	203	3	and	and	CCONJ
fsr-3874	203	4	financial	financial	ADJ
fsr-3874	203	5	capital	capital	NOUN
fsr-3874	203	6	market.j	market.j	PROPN
fsr-3874	203	7	bus	bus	NOUN
fsr-3874	203	8	,	,	PUNCT
fsr-3874	203	9	53	53	NUM
fsr-3874	203	10	,	,	PUNCT
fsr-3874	203	11	165–191	165–191	NUM
fsr-3874	203	12	.	.	PUNCT
fsr-3874	204	1	magenheim	magenheim	PROPN
fsr-3874	204	2	,	,	PUNCT
fsr-3874	204	3	e.	e.	PROPN
fsr-3874	204	4	b.	b.	PROPN
fsr-3874	204	5	(	(	PUNCT
fsr-3874	204	6	1993	1993	NUM
fsr-3874	204	7	)	)	PUNCT
fsr-3874	204	8	.	.	PUNCT
fsr-3874	205	1	gender	gender	NOUN
fsr-3874	205	2	related	relate	VERB
fsr-3874	205	3	patterns	pattern	NOUN
fsr-3874	205	4	in	in	ADP
fsr-3874	205	5	pensions	pension	NOUN
fsr-3874	205	6	:	:	PUNCT
fsr-3874	205	7	a	a	DET
fsr-3874	205	8	review	review	NOUN
fsr-3874	205	9	of	of	ADP
fsr-3874	205	10	the	the	DET
fsr-3874	205	11	literature	literature	NOUN
fsr-3874	205	12	,	,	PUNCT
fsr-3874	205	13	“	"	PUNCT
fsr-3874	205	14	u.s	u.s	PROPN
fsr-3874	205	15	.	.	PROPN
fsr-3874	205	16	department	department	PROPN
fsr-3874	205	17	of	of	ADP
fsr-3874	205	18	labor	labor	PROPN
fsr-3874	205	19	paper	paper	PROPN
fsr-3874	205	20	no	no	INTJ
fsr-3874	205	21	.	.	PUNCT
fsr-3874	206	1	b9324129	b9324129	PROPN
fsr-3874	206	2	.	.	PUNCT
fsr-3874	207	1	washington	washington	PROPN
fsr-3874	207	2	dc	dc	PROPN
fsr-3874	207	3	:	:	PUNCT
fsr-3874	207	4	u.s	u.s	PROPN
fsr-3874	207	5	.	.	PROPN
fsr-3874	207	6	govt	govt	PROPN
fsr-3874	207	7	.	.	PUNCT
fsr-3874	208	1	printing	print	VERB
fsr-3874	208	2	office	office	NOUN
fsr-3874	208	3	.	.	PUNCT
fsr-3874	209	1	morin	morin	PROPN
fsr-3874	209	2	,	,	PUNCT
fsr-3874	209	3	r.	r.	PROPN
fsr-3874	209	4	a.	a.	PROPN
fsr-3874	209	5	&	&	CCONJ
fsr-3874	209	6	suarez	suarez	PROPN
fsr-3874	209	7	,	,	PUNCT
fsr-3874	209	8	f.	f.	PROPN
fsr-3874	209	9	(	(	PUNCT
fsr-3874	209	10	1983	1983	NUM
fsr-3874	209	11	)	)	PUNCT
fsr-3874	209	12	.	.	PUNCT
fsr-3874	210	1	risk	risk	NOUN
fsr-3874	210	2	aversion	aversion	NOUN
fsr-3874	210	3	revisited.j	revisited.j	PROPN
fsr-3874	210	4	finan	finan	NOUN
fsr-3874	210	5	,	,	PUNCT
fsr-3874	210	6	37(september	37(september	NUM
fsr-3874	210	7	)	)	PUNCT
fsr-3874	210	8	,	,	PUNCT
fsr-3874	210	9	1201–1216	1201–1216	NUM
fsr-3874	210	10	.	.	PUNCT
fsr-3874	211	1	pratt	pratt	PROPN
fsr-3874	211	2	,	,	PUNCT
fsr-3874	211	3	j.	j.	PROPN
fsr-3874	211	4	(	(	PUNCT
fsr-3874	211	5	1964	1964	NUM
fsr-3874	211	6	)	)	PUNCT
fsr-3874	211	7	.	.	PUNCT
fsr-3874	212	1	risk	risk	NOUN
fsr-3874	212	2	aversion	aversion	NOUN
fsr-3874	212	3	in	in	ADP
fsr-3874	212	4	the	the	DET
fsr-3874	212	5	small	small	ADJ
fsr-3874	212	6	and	and	CCONJ
fsr-3874	212	7	the	the	DET
fsr-3874	212	8	large.econometrica	large.econometrica	PROPN
fsr-3874	212	9	,	,	PUNCT
fsr-3874	212	10	32(january	32(january	NUM
fsr-3874	212	11	/	/	SYM
fsr-3874	212	12	april	april	PROPN
fsr-3874	212	13	)	)	PUNCT
fsr-3874	212	14	,	,	PUNCT
fsr-3874	212	15	122–136	122–136	NUM
fsr-3874	212	16	.	.	PUNCT
fsr-3874	213	1	riley	riley	PROPN
fsr-3874	213	2	,	,	PUNCT
fsr-3874	213	3	w.	w.	PROPN
fsr-3874	213	4	b.	b.	PROPN
fsr-3874	213	5	,	,	PUNCT
fsr-3874	213	6	&	&	CCONJ
fsr-3874	213	7	chow	chow	PROPN
fsr-3874	213	8	,	,	PUNCT
fsr-3874	213	9	k.	k.	PROPN
fsr-3874	213	10	v.	v.	PROPN
fsr-3874	213	11	(	(	PUNCT
fsr-3874	213	12	1992	1992	NUM
fsr-3874	213	13	)	)	PUNCT
fsr-3874	213	14	.	.	PUNCT
fsr-3874	214	1	asset	asset	NOUN
fsr-3874	214	2	allocation	allocation	NOUN
fsr-3874	214	3	and	and	CCONJ
fsr-3874	214	4	individual	individual	ADJ
fsr-3874	214	5	risk	risk	NOUN
fsr-3874	214	6	aversion.finan	aversion.finan	PROPN
fsr-3874	214	7	anal	anal	PROPN
fsr-3874	214	8	j	j	PROPN
fsr-3874	214	9	,	,	PUNCT
fsr-3874	214	10	48(nov./dec	48(nov./dec	PROPN
fsr-3874	214	11	.	.	PUNCT
fsr-3874	214	12	)	)	PUNCT
fsr-3874	214	13	,	,	PUNCT
fsr-3874	215	1	32–37	32–37	NUM
fsr-3874	215	2	.	.	PUNCT
fsr-3874	216	1	schooley	schooley	PROPN
fsr-3874	216	2	,	,	PUNCT
fsr-3874	216	3	d.	d.	PROPN
fsr-3874	216	4	k.	k.	PROPN
fsr-3874	216	5	,	,	PUNCT
fsr-3874	216	6	&	&	CCONJ
fsr-3874	216	7	worden	worden	PROPN
fsr-3874	216	8	,	,	PUNCT
fsr-3874	216	9	d.	d.	PROPN
fsr-3874	216	10	d.	d.	PROPN
fsr-3874	216	11	(	(	PUNCT
fsr-3874	216	12	1996	1996	NUM
fsr-3874	216	13	)	)	PUNCT
fsr-3874	216	14	.	.	PUNCT
fsr-3874	217	1	risk	risk	NOUN
fsr-3874	217	2	aversion	aversion	NOUN
fsr-3874	217	3	measures	measure	NOUN
fsr-3874	217	4	:	:	PUNCT
fsr-3874	217	5	comparing	compare	VERB
fsr-3874	217	6	attitudes	attitude	NOUN
fsr-3874	217	7	and	and	CCONJ
fsr-3874	217	8	asset	asset	NOUN
fsr-3874	217	9	allocation	allocation	NOUN
fsr-3874	217	10	.	.	PUNCT
fsr-3874	218	1	finan	finan	PROPN
fsr-3874	218	2	serv	serv	PROPN
fsr-3874	218	3	rev	rev	PROPN
fsr-3874	218	4	,	,	PUNCT
fsr-3874	218	5	5(2	5(2	NUM
fsr-3874	218	6	)	)	PUNCT
fsr-3874	218	7	,	,	PUNCT
fsr-3874	218	8	87–100	87–100	PROPN
fsr-3874	218	9	.	.	PUNCT
fsr-3874	219	1	siegel	siegel	PROPN
fsr-3874	219	2	,	,	PUNCT
fsr-3874	219	3	f.	f.	PROPN
fsr-3874	219	4	w.	w.	PROPN
fsr-3874	219	5	,	,	PUNCT
fsr-3874	219	6	&	&	CCONJ
fsr-3874	219	7	hoban	hoban	PROPN
fsr-3874	219	8	,	,	PUNCT
fsr-3874	219	9	j.	j.	PROPN
fsr-3874	219	10	p.	p.	PROPN
fsr-3874	219	11	(	(	PUNCT
fsr-3874	219	12	1982	1982	NUM
fsr-3874	219	13	)	)	PUNCT
fsr-3874	219	14	.	.	PUNCT
fsr-3874	220	1	relative	relative	ADJ
fsr-3874	220	2	risk	risk	NOUN
fsr-3874	220	3	aversion	aversion	NOUN
fsr-3874	220	4	revisited.rev	revisited.rev	X
fsr-3874	220	5	econ	econ	PROPN
fsr-3874	220	6	stats	stat	VERB
fsr-3874	220	7	64(august	64(august	NUM
fsr-3874	220	8	)	)	PUNCT
fsr-3874	220	9	,	,	PUNCT
fsr-3874	220	10	481–487	481–487	NUM
fsr-3874	220	11	.	.	PUNCT
fsr-3874	221	1	siegel	siegel	PROPN
fsr-3874	221	2	,	,	PUNCT
fsr-3874	221	3	f.	f.	PROPN
fsr-3874	221	4	w.	w.	PROPN
fsr-3874	221	5	,	,	PUNCT
fsr-3874	221	6	&	&	CCONJ
fsr-3874	221	7	hoban	hoban	PROPN
fsr-3874	221	8	,	,	PUNCT
fsr-3874	221	9	j.	j.	PROPN
fsr-3874	221	10	p.	p.	PROPN
fsr-3874	221	11	(	(	PUNCT
fsr-3874	221	12	1991	1991	NUM
fsr-3874	221	13	)	)	PUNCT
fsr-3874	221	14	.	.	PUNCT
fsr-3874	222	1	measuring	measure	VERB
fsr-3874	222	2	risk	risk	NOUN
fsr-3874	222	3	aversion	aversion	NOUN
fsr-3874	222	4	:	:	PUNCT
fsr-3874	222	5	allocation	allocation	NOUN
fsr-3874	222	6	,	,	PUNCT
fsr-3874	222	7	leverage	leverage	NOUN
fsr-3874	222	8	,	,	PUNCT
fsr-3874	222	9	and	and	CCONJ
fsr-3874	222	10	accumulation.j	accumulation.j	PROPN
fsr-3874	222	11	finan	finan	NOUN
fsr-3874	222	12	res	re	NOUN
fsr-3874	222	13	.	.	PUNCT
fsr-3874	222	14	14(spring	14(spring	NUM
fsr-3874	222	15	)	)	PUNCT
fsr-3874	222	16	,	,	PUNCT
fsr-3874	222	17	27–35	27–35	NUM
fsr-3874	222	18	.	.	PUNCT
fsr-3874	222	19	starr	starr	PROPN
fsr-3874	222	20	–	–	PUNCT
fsr-3874	222	21	mccluer	mccluer	PROPN
fsr-3874	222	22	,	,	PUNCT
fsr-3874	222	23	m.	m.	NOUN
fsr-3874	222	24	(	(	PUNCT
fsr-3874	222	25	1996	1996	NUM
fsr-3874	222	26	)	)	PUNCT
fsr-3874	222	27	.	.	PUNCT
fsr-3874	223	1	health	health	NOUN
fsr-3874	223	2	insurance	insurance	NOUN
fsr-3874	223	3	and	and	CCONJ
fsr-3874	223	4	precautionary	precautionary	ADJ
fsr-3874	223	5	savings.am	savings.am	PROPN
fsr-3874	223	6	econ	econ	PROPN
fsr-3874	223	7	rev	rev	PROPN
fsr-3874	223	8	86(1	86(1	PROPN
fsr-3874	223	9	)	)	PUNCT
fsr-3874	223	10	,	,	PUNCT
fsr-3874	223	11	285–295	285–295	NUM
fsr-3874	223	12	.	.	PUNCT
fsr-3874	224	1	sunden	sunden	PROPN
fsr-3874	224	2	,	,	PUNCT
fsr-3874	224	3	a.	a.	PROPN
fsr-3874	224	4	e.	e.	PROPN
fsr-3874	224	5	,	,	PUNCT
fsr-3874	224	6	&	&	CCONJ
fsr-3874	224	7	surette	surette	PROPN
fsr-3874	224	8	,	,	PUNCT
fsr-3874	224	9	b.	b.	PROPN
fsr-3874	224	10	j.	j.	PROPN
fsr-3874	224	11	(	(	PUNCT
fsr-3874	224	12	1998	1998	NUM
fsr-3874	224	13	)	)	PUNCT
fsr-3874	224	14	.	.	PUNCT
fsr-3874	225	1	gender	gender	NOUN
fsr-3874	225	2	differences	difference	NOUN
fsr-3874	225	3	in	in	ADP
fsr-3874	225	4	the	the	DET
fsr-3874	225	5	allocation	allocation	NOUN
fsr-3874	225	6	of	of	ADP
fsr-3874	225	7	assets	asset	NOUN
fsr-3874	225	8	in	in	ADP
fsr-3874	225	9	retirement	retirement	NOUN
fsr-3874	225	10	savings	saving	NOUN
fsr-3874	225	11	plans	plan	NOUN
fsr-3874	225	12	.	.	PUNCT
fsr-3874	226	1	am	be	AUX
fsr-3874	226	2	econ	econ	PROPN
fsr-3874	226	3	rev	rev	PROPN
fsr-3874	226	4	,	,	PUNCT
fsr-3874	226	5	88(2	88(2	NUM
fsr-3874	226	6	)	)	PUNCT
fsr-3874	226	7	,	,	PUNCT
fsr-3874	226	8	207–211	207–211	NUM
fsr-3874	226	9	.	.	PUNCT
fsr-3874	227	1	survey	survey	NOUN
fsr-3874	227	2	of	of	ADP
fsr-3874	227	3	consumer	consumer	NOUN
fsr-3874	227	4	finances	finance	NOUN
fsr-3874	227	5	.	.	PUNCT
fsr-3874	228	1	(	(	PUNCT
fsr-3874	228	2	1989	1989	NUM
fsr-3874	228	3	)	)	PUNCT
fsr-3874	228	4	.	.	PUNCT
fsr-3874	229	1	federal	federal	PROPN
fsr-3874	229	2	reserve	reserve	PROPN
fsr-3874	229	3	.	.	PUNCT
fsr-3874	230	1	thornton	thornton	PROPN
fsr-3874	230	2	,	,	PUNCT
fsr-3874	230	3	r.	r.	PROPN
fsr-3874	230	4	j.	j.	PROPN
fsr-3874	230	5	,	,	PUNCT
fsr-3874	230	6	rodgers	rodger	VERB
fsr-3874	230	7	,	,	PUNCT
fsr-3874	230	8	j.	j.	PROPN
fsr-3874	230	9	d.	d.	PROPN
fsr-3874	230	10	,	,	PUNCT
fsr-3874	230	11	&	&	CCONJ
fsr-3874	230	12	brookshire	brookshire	PROPN
fsr-3874	230	13	,	,	PUNCT
fsr-3874	230	14	m.	m.	NOUN
fsr-3874	230	15	l.	l.	PROPN
fsr-3874	230	16	(	(	PUNCT
fsr-3874	230	17	1997	1997	NUM
fsr-3874	230	18	)	)	PUNCT
fsr-3874	230	19	.	.	PUNCT
fsr-3874	231	1	on	on	ADP
fsr-3874	231	2	interpretation	interpretation	NOUN
fsr-3874	231	3	of	of	ADP
fsr-3874	231	4	age	age	NOUN
fsr-3874	231	5	-	-	PUNCT
fsr-3874	231	6	earnings	earning	NOUN
fsr-3874	231	7	profiles.j	profiles.j	NOUN
fsr-3874	231	8	labor	labor	NOUN
fsr-3874	231	9	res	re	NOUN
fsr-3874	231	10	,	,	PUNCT
fsr-3874	231	11	18(2	18(2	NUM
fsr-3874	231	12	)	)	PUNCT
fsr-3874	231	13	,	,	PUNCT
fsr-3874	231	14	351–365	351–365	NUM
fsr-3874	231	15	.	.	PUNCT
fsr-3874	232	1	tiaa	tiaa	NOUN
fsr-3874	232	2	-	-	PUNCT
fsr-3874	232	3	cref	cref	NOUN
fsr-3874	232	4	.	.	PUNCT
fsr-3874	233	1	(	(	PUNCT
fsr-3874	233	2	1994	1994	NUM
fsr-3874	233	3	)	)	PUNCT
fsr-3874	233	4	.	.	PUNCT
fsr-3874	234	1	replacement	replacement	NOUN
fsr-3874	234	2	ratio	ratio	NOUN
fsr-3874	234	3	projections	projection	NOUN
fsr-3874	234	4	in	in	ADP
fsr-3874	234	5	defined	define	VERB
fsr-3874	234	6	contribution	contribution	NOUN
fsr-3874	234	7	retirement	retirement	NOUN
fsr-3874	234	8	plans	plan	NOUN
fsr-3874	234	9	:	:	PUNCT
fsr-3874	234	10	time	time	NOUN
fsr-3874	234	11	,	,	PUNCT
fsr-3874	234	12	salary	salary	NOUN
fsr-3874	234	13	growth	growth	NOUN
fsr-3874	234	14	,	,	PUNCT
fsr-3874	234	15	investment	investment	NOUN
fsr-3874	234	16	return	return	NOUN
fsr-3874	234	17	,	,	PUNCT
fsr-3874	234	18	and	and	CCONJ
fsr-3874	234	19	real	real	ADJ
fsr-3874	234	20	income.res	income.re	NOUN
fsr-3874	234	21	dialog	dialog	NOUN
fsr-3874	234	22	41(september	41(september	NUM
fsr-3874	234	23	)	)	PUNCT
fsr-3874	234	24	,	,	PUNCT
fsr-3874	234	25	1–6	1–6	X
fsr-3874	234	26	.	.	PUNCT
fsr-3874	234	27	u.s	u.s	PROPN
fsr-3874	234	28	.	.	PROPN
fsr-3874	234	29	department	department	PROPN
fsr-3874	234	30	of	of	ADP
fsr-3874	234	31	labor	labor	NOUN
fsr-3874	234	32	.	.	PUNCT
fsr-3874	235	1	(	(	PUNCT
fsr-3874	235	2	1997).report	1997).report	NUM
fsr-3874	235	3	on	on	ADP
fsr-3874	235	4	the	the	DET
fsr-3874	235	5	american	american	PROPN
fsr-3874	235	6	work	work	PROPN
fsr-3874	235	7	force.washington	force.washington	PROPN
fsr-3874	235	8	,	,	PUNCT
fsr-3874	235	9	dc	dc	PROPN
fsr-3874	235	10	:	:	PUNCT
fsr-3874	235	11	u.s	u.s	PROPN
fsr-3874	235	12	.	.	PROPN
fsr-3874	235	13	government	government	NOUN
fsr-3874	235	14	printing	printing	NOUN
fsr-3874	235	15	office	office	NOUN
fsr-3874	235	16	.	.	PUNCT
fsr-3874	236	1	10	10	NUM
fsr-3874	236	2	v.l	v.l	PROPN
fsr-3874	236	3	.	.	PROPN
fsr-3874	236	4	bajtelsmit	bajtelsmit	PROPN
fsr-3874	236	5	et	et	PROPN
fsr-3874	236	6	al	al	PROPN
fsr-3874	236	7	.	.	PUNCT
fsr-3874	236	8	/	/	SYM
fsr-3874	236	9	financial	financial	ADJ
fsr-3874	236	10	services	service	NOUN
fsr-3874	236	11	review	review	VERB
fsr-3874	236	12	8	8	NUM
fsr-3874	236	13	(	(	PUNCT
fsr-3874	236	14	1999	1999	NUM
fsr-3874	236	15	)	)	PUNCT
fsr-3874	236	16	1–10	1–10	NOUN