id	sid	tid	token	lemma	pos
fsr-3905	1	1	pii	pii	PROPN
fsr-3905	1	2	:	:	PUNCT
fsr-3905	1	3	s1057	s1057	NOUN
fsr-3905	1	4	-	-	PUNCT
fsr-3905	1	5	0810(00)00051	0810(00)00051	NOUN
fsr-3905	1	6	-	-	PUNCT
fsr-3905	1	7	2	2	NUM
fsr-3905	1	8	from	from	ADP
fsr-3905	1	9	the	the	DET
fsr-3905	1	10	special	special	ADJ
fsr-3905	1	11	issue	issue	NOUN
fsr-3905	1	12	editor	editor	NOUN
fsr-3905	1	13	vickie	vickie	PROPN
fsr-3905	1	14	l.	l.	PROPN
fsr-3905	1	15	bajtelsmit	bajtelsmit	PROPN
fsr-3905	1	16	it	it	PRON
fsr-3905	1	17	is	be	AUX
fsr-3905	1	18	my	my	PRON
fsr-3905	1	19	great	great	ADJ
fsr-3905	1	20	pleasure	pleasure	NOUN
fsr-3905	1	21	to	to	PART
fsr-3905	1	22	have	have	AUX
fsr-3905	1	23	served	serve	VERB
fsr-3905	1	24	as	as	ADP
fsr-3905	1	25	special	special	ADJ
fsr-3905	1	26	issue	issue	NOUN
fsr-3905	1	27	editor	editor	NOUN
fsr-3905	1	28	for	for	ADP
fsr-3905	1	29	volume	volume	NOUN
fsr-3905	1	30	9	9	NUM
fsr-3905	1	31	,	,	PUNCT
fsr-3905	1	32	number	number	NOUN
fsr-3905	1	33	1	1	NUM
fsr-3905	1	34	of	of	ADP
fsr-3905	1	35	thefinancial	thefinancial	ADJ
fsr-3905	1	36	services	service	NOUN
fsr-3905	1	37	reviewand	reviewand	NOUN
fsr-3905	1	38	to	to	PART
fsr-3905	1	39	offer	offer	VERB
fsr-3905	1	40	you	you	PRON
fsr-3905	1	41	eight	eight	NUM
fsr-3905	1	42	outstanding	outstanding	ADJ
fsr-3905	1	43	articles	article	NOUN
fsr-3905	1	44	covering	cover	VERB
fsr-3905	1	45	a	a	DET
fsr-3905	1	46	variety	variety	NOUN
fsr-3905	1	47	of	of	ADP
fsr-3905	1	48	issues	issue	NOUN
fsr-3905	1	49	related	relate	VERB
fsr-3905	1	50	to	to	ADP
fsr-3905	1	51	retirement	retirement	NOUN
fsr-3905	1	52	.	.	PUNCT
fsr-3905	2	1	the	the	DET
fsr-3905	2	2	topic	topic	NOUN
fsr-3905	2	3	of	of	ADP
fsr-3905	2	4	this	this	DET
fsr-3905	2	5	issue	issue	NOUN
fsr-3905	2	6	“	"	PUNCT
fsr-3905	2	7	ensuring	ensure	VERB
fsr-3905	2	8	retirement	retirement	NOUN
fsr-3905	2	9	income	income	NOUN
fsr-3905	2	10	adequacy	adequacy	NOUN
fsr-3905	2	11	in	in	ADP
fsr-3905	2	12	the	the	DET
fsr-3905	2	13	next	next	ADJ
fsr-3905	2	14	century	century	NOUN
fsr-3905	2	15	”	"	PUNCT
fsr-3905	2	16	is	be	AUX
fsr-3905	2	17	quite	quite	ADV
fsr-3905	2	18	timely	timely	ADJ
fsr-3905	2	19	and	and	CCONJ
fsr-3905	2	20	has	have	VERB
fsr-3905	2	21	implications	implication	NOUN
fsr-3905	2	22	for	for	ADP
fsr-3905	2	23	all	all	PRON
fsr-3905	2	24	of	of	ADP
fsr-3905	2	25	us	we	PRON
fsr-3905	2	26	,	,	PUNCT
fsr-3905	2	27	whether	whether	SCONJ
fsr-3905	2	28	or	or	CCONJ
fsr-3905	2	29	not	not	PART
fsr-3905	2	30	we	we	PRON
fsr-3905	2	31	are	be	AUX
fsr-3905	2	32	doing	do	VERB
fsr-3905	2	33	research	research	NOUN
fsr-3905	2	34	in	in	ADP
fsr-3905	2	35	retirement	retirement	NOUN
fsr-3905	2	36	investment	investment	NOUN
fsr-3905	2	37	,	,	PUNCT
fsr-3905	2	38	pensions	pension	NOUN
fsr-3905	2	39	,	,	PUNCT
fsr-3905	2	40	or	or	CCONJ
fsr-3905	2	41	social	social	ADJ
fsr-3905	2	42	security	security	NOUN
fsr-3905	2	43	.	.	PUNCT
fsr-3905	3	1	the	the	DET
fsr-3905	3	2	retirement	retirement	NOUN
fsr-3905	3	3	of	of	ADP
fsr-3905	3	4	the	the	DET
fsr-3905	3	5	baby	baby	NOUN
fsr-3905	3	6	boom	boom	NOUN
fsr-3905	3	7	is	be	AUX
fsr-3905	3	8	fast	fast	ADV
fsr-3905	3	9	approaching	approach	VERB
fsr-3905	3	10	and	and	CCONJ
fsr-3905	3	11	,	,	PUNCT
fsr-3905	3	12	despite	despite	SCONJ
fsr-3905	3	13	the	the	DET
fsr-3905	3	14	strength	strength	NOUN
fsr-3905	3	15	of	of	ADP
fsr-3905	3	16	the	the	DET
fsr-3905	3	17	economy	economy	NOUN
fsr-3905	3	18	in	in	ADP
fsr-3905	3	19	recent	recent	ADJ
fsr-3905	3	20	years	year	NOUN
fsr-3905	3	21	,	,	PUNCT
fsr-3905	3	22	there	there	PRON
fsr-3905	3	23	is	be	VERB
fsr-3905	3	24	much	much	ADJ
fsr-3905	3	25	concern	concern	NOUN
fsr-3905	3	26	among	among	ADP
fsr-3905	3	27	policy	policy	NOUN
fsr-3905	3	28	-	-	PUNCT
fsr-3905	3	29	makers	maker	NOUN
fsr-3905	3	30	that	that	PRON
fsr-3905	3	31	this	this	DET
fsr-3905	3	32	generation	generation	NOUN
fsr-3905	3	33	is	be	AUX
fsr-3905	3	34	financially	financially	ADV
fsr-3905	3	35	ill	ill	ADV
fsr-3905	3	36	-	-	PUNCT
fsr-3905	3	37	prepared	prepared	ADJ
fsr-3905	3	38	for	for	ADP
fsr-3905	3	39	retirement	retirement	NOUN
fsr-3905	3	40	.	.	PUNCT
fsr-3905	4	1	this	this	PRON
fsr-3905	4	2	is	be	AUX
fsr-3905	4	3	not	not	PART
fsr-3905	4	4	an	an	DET
fsr-3905	4	5	insignificant	insignificant	ADJ
fsr-3905	4	6	problem	problem	NOUN
fsr-3905	4	7	in	in	ADP
fsr-3905	4	8	light	light	NOUN
fsr-3905	4	9	of	of	ADP
fsr-3905	4	10	the	the	DET
fsr-3905	4	11	demographic	demographic	ADJ
fsr-3905	4	12	changes	change	NOUN
fsr-3905	4	13	facing	face	VERB
fsr-3905	4	14	this	this	DET
fsr-3905	4	15	country	country	NOUN
fsr-3905	4	16	and	and	CCONJ
fsr-3905	4	17	others	other	NOUN
fsr-3905	4	18	worldwide	worldwide	ADV
fsr-3905	4	19	.	.	PUNCT
fsr-3905	5	1	the	the	DET
fsr-3905	5	2	aging	aging	NOUN
fsr-3905	5	3	of	of	ADP
fsr-3905	5	4	the	the	DET
fsr-3905	5	5	population	population	NOUN
fsr-3905	5	6	is	be	AUX
fsr-3905	5	7	predicted	predict	VERB
fsr-3905	5	8	to	to	PART
fsr-3905	5	9	place	place	VERB
fsr-3905	5	10	great	great	ADJ
fsr-3905	5	11	strain	strain	NOUN
fsr-3905	5	12	on	on	ADP
fsr-3905	5	13	financial	financial	ADJ
fsr-3905	5	14	markets	market	NOUN
fsr-3905	5	15	as	as	SCONJ
fsr-3905	5	16	the	the	DET
fsr-3905	5	17	flow	flow	NOUN
fsr-3905	5	18	of	of	ADP
fsr-3905	5	19	investment	investment	NOUN
fsr-3905	5	20	funds	fund	NOUN
fsr-3905	5	21	reverses	reverse	VERB
fsr-3905	5	22	direction	direction	NOUN
fsr-3905	5	23	,	,	PUNCT
fsr-3905	5	24	and	and	CCONJ
fsr-3905	5	25	retirees	retiree	NOUN
fsr-3905	5	26	gradually	gradually	ADV
fsr-3905	5	27	liquidate	liquidate	VERB
fsr-3905	5	28	asset	asset	NOUN
fsr-3905	5	29	portfolios	portfolio	NOUN
fsr-3905	5	30	to	to	PART
fsr-3905	5	31	fund	fund	VERB
fsr-3905	5	32	cash	cash	NOUN
fsr-3905	5	33	flow	flow	NOUN
fsr-3905	5	34	in	in	ADP
fsr-3905	5	35	retirement	retirement	NOUN
fsr-3905	5	36	.	.	PUNCT
fsr-3905	6	1	the	the	DET
fsr-3905	6	2	social	social	ADJ
fsr-3905	6	3	security	security	NOUN
fsr-3905	6	4	administration	administration	NOUN
fsr-3905	6	5	predicts	predict	VERB
fsr-3905	6	6	that	that	SCONJ
fsr-3905	6	7	,	,	PUNCT
fsr-3905	6	8	although	although	SCONJ
fsr-3905	6	9	we	we	PRON
fsr-3905	6	10	can	can	AUX
fsr-3905	6	11	expect	expect	VERB
fsr-3905	6	12	many	many	ADJ
fsr-3905	6	13	more	more	ADJ
fsr-3905	6	14	years	year	NOUN
fsr-3905	6	15	in	in	ADP
fsr-3905	6	16	which	which	PRON
fsr-3905	6	17	payroll	payroll	NOUN
fsr-3905	6	18	tax	tax	NOUN
fsr-3905	6	19	inflows	inflow	NOUN
fsr-3905	6	20	exceed	exceed	VERB
fsr-3905	6	21	benefit	benefit	NOUN
fsr-3905	6	22	outflows	outflow	NOUN
fsr-3905	6	23	while	while	SCONJ
fsr-3905	6	24	the	the	DET
fsr-3905	6	25	baby	baby	NOUN
fsr-3905	6	26	boom	boom	NOUN
fsr-3905	6	27	enjoys	enjoy	VERB
fsr-3905	6	28	their	their	PRON
fsr-3905	6	29	peak	peak	NOUN
fsr-3905	6	30	earning	earning	NOUN
fsr-3905	6	31	years	year	NOUN
fsr-3905	6	32	,	,	PUNCT
fsr-3905	6	33	their	their	PRON
fsr-3905	6	34	retirement	retirement	NOUN
fsr-3905	6	35	which	which	PRON
fsr-3905	6	36	begins	begin	VERB
fsr-3905	6	37	in	in	ADP
fsr-3905	6	38	2008	2008	NUM
fsr-3905	6	39	will	will	AUX
fsr-3905	6	40	eventually	eventually	ADV
fsr-3905	6	41	bankrupt	bankrupt	VERB
fsr-3905	6	42	the	the	DET
fsr-3905	6	43	social	social	ADJ
fsr-3905	6	44	security	security	NOUN
fsr-3905	6	45	trust	trust	NOUN
fsr-3905	6	46	fund	fund	NOUN
fsr-3905	6	47	in	in	ADP
fsr-3905	6	48	the	the	DET
fsr-3905	6	49	absence	absence	NOUN
fsr-3905	6	50	of	of	ADP
fsr-3905	6	51	significant	significant	ADJ
fsr-3905	6	52	reform	reform	NOUN
fsr-3905	6	53	,	,	PUNCT
fsr-3905	6	54	and	and	CCONJ
fsr-3905	6	55	this	this	PRON
fsr-3905	6	56	will	will	AUX
fsr-3905	6	57	occur	occur	VERB
fsr-3905	6	58	sooner	soon	ADV
fsr-3905	6	59	if	if	SCONJ
fsr-3905	6	60	politicians	politician	NOUN
fsr-3905	6	61	continue	continue	VERB
fsr-3905	6	62	to	to	PART
fsr-3905	6	63	look	look	VERB
fsr-3905	6	64	for	for	ADP
fsr-3905	6	65	ways	way	NOUN
fsr-3905	6	66	to	to	PART
fsr-3905	6	67	spend	spend	VERB
fsr-3905	6	68	the	the	DET
fsr-3905	6	69	surplus	surplus	NOUN
fsr-3905	6	70	.	.	PUNCT
fsr-3905	7	1	in	in	ADP
fsr-3905	7	2	recognition	recognition	NOUN
fsr-3905	7	3	of	of	ADP
fsr-3905	7	4	the	the	DET
fsr-3905	7	5	“	"	PUNCT
fsr-3905	7	6	three	three	NUM
fsr-3905	7	7	-	-	PUNCT
fsr-3905	7	8	legged	legged	ADJ
fsr-3905	7	9	stool	stool	NOUN
fsr-3905	7	10	”	"	PUNCT
fsr-3905	7	11	concept	concept	NOUN
fsr-3905	7	12	of	of	ADP
fsr-3905	7	13	retirement	retirement	NOUN
fsr-3905	7	14	planning	planning	NOUN
fsr-3905	7	15	,	,	PUNCT
fsr-3905	7	16	this	this	DET
fsr-3905	7	17	issue	issue	NOUN
fsr-3905	7	18	of	of	ADP
fsr-3905	7	19	thefinancial	thefinancial	ADJ
fsr-3905	7	20	services	service	NOUN
fsr-3905	7	21	reviewaddresses	reviewaddresse	VERB
fsr-3905	7	22	problems	problem	NOUN
fsr-3905	7	23	and	and	CCONJ
fsr-3905	7	24	solutions	solution	NOUN
fsr-3905	7	25	in	in	ADP
fsr-3905	7	26	all	all	DET
fsr-3905	7	27	three	three	NUM
fsr-3905	7	28	areas	area	NOUN
fsr-3905	7	29	:	:	PUNCT
fsr-3905	7	30	private	private	ADJ
fsr-3905	7	31	pensions	pension	NOUN
fsr-3905	7	32	,	,	PUNCT
fsr-3905	7	33	social	social	ADJ
fsr-3905	7	34	security	security	NOUN
fsr-3905	7	35	,	,	PUNCT
fsr-3905	7	36	and	and	CCONJ
fsr-3905	7	37	individual	individual	ADJ
fsr-3905	7	38	savings	saving	NOUN
fsr-3905	7	39	.	.	PUNCT
fsr-3905	8	1	how	how	SCONJ
fsr-3905	8	2	will	will	AUX
fsr-3905	8	3	individuals	individual	NOUN
fsr-3905	8	4	respond	respond	VERB
fsr-3905	8	5	to	to	ADP
fsr-3905	8	6	a	a	DET
fsr-3905	8	7	shortfall	shortfall	NOUN
fsr-3905	8	8	of	of	ADP
fsr-3905	8	9	financial	financial	ADJ
fsr-3905	8	10	resources	resource	NOUN
fsr-3905	8	11	as	as	ADP
fsr-3905	8	12	retirement	retirement	NOUN
fsr-3905	8	13	approaches	approach	NOUN
fsr-3905	8	14	?	?	PUNCT
fsr-3905	9	1	a	a	DET
fsr-3905	9	2	large	large	ADJ
fsr-3905	9	3	percentage	percentage	NOUN
fsr-3905	9	4	of	of	ADP
fsr-3905	9	5	u.s	u.s	PROPN
fsr-3905	9	6	.	.	PROPN
fsr-3905	9	7	workers	worker	NOUN
fsr-3905	9	8	do	do	AUX
fsr-3905	9	9	not	not	PART
fsr-3905	9	10	have	have	VERB
fsr-3905	9	11	access	access	NOUN
fsr-3905	9	12	to	to	ADP
fsr-3905	9	13	employer	employer	NOUN
fsr-3905	9	14	-	-	PUNCT
fsr-3905	9	15	provided	provide	VERB
fsr-3905	9	16	pensions	pension	NOUN
fsr-3905	9	17	,	,	PUNCT
fsr-3905	9	18	and	and	CCONJ
fsr-3905	9	19	some	some	DET
fsr-3905	9	20	cross	cros	NOUN
fsr-3905	9	21	-	-	NOUN
fsr-3905	9	22	sections	section	NOUN
fsr-3905	9	23	of	of	ADP
fsr-3905	9	24	individuals	individual	NOUN
fsr-3905	9	25	,	,	PUNCT
fsr-3905	9	26	most	most	ADV
fsr-3905	9	27	notably	notably	ADV
fsr-3905	9	28	women	woman	NOUN
fsr-3905	9	29	,	,	PUNCT
fsr-3905	9	30	have	have	VERB
fsr-3905	9	31	significantly	significantly	ADV
fsr-3905	9	32	lower	low	ADJ
fsr-3905	9	33	pension	pension	NOUN
fsr-3905	9	34	sponsorship	sponsorship	NOUN
fsr-3905	9	35	and	and	CCONJ
fsr-3905	9	36	participation	participation	NOUN
fsr-3905	9	37	rates	rate	NOUN
fsr-3905	9	38	.	.	PUNCT
fsr-3905	10	1	furthermore	furthermore	ADV
fsr-3905	10	2	,	,	PUNCT
fsr-3905	10	3	u.s	u.s	PROPN
fsr-3905	10	4	.	.	PROPN
fsr-3905	10	5	savings	saving	NOUN
fsr-3905	10	6	rates	rate	NOUN
fsr-3905	10	7	are	be	AUX
fsr-3905	10	8	low	low	ADJ
fsr-3905	10	9	relative	relative	ADJ
fsr-3905	10	10	to	to	ADP
fsr-3905	10	11	other	other	ADJ
fsr-3905	10	12	developed	develop	VERB
fsr-3905	10	13	countries	country	NOUN
fsr-3905	10	14	and	and	CCONJ
fsr-3905	10	15	studies	study	NOUN
fsr-3905	10	16	have	have	AUX
fsr-3905	10	17	reported	report	VERB
fsr-3905	10	18	that	that	SCONJ
fsr-3905	10	19	the	the	DET
fsr-3905	10	20	average	average	ADJ
fsr-3905	10	21	household	household	NOUN
fsr-3905	10	22	in	in	ADP
fsr-3905	10	23	the	the	DET
fsr-3905	10	24	u.s	u.s	PROPN
fsr-3905	10	25	.	.	PROPN
fsr-3905	10	26	has	have	VERB
fsr-3905	10	27	too	too	ADV
fsr-3905	10	28	little	little	ADJ
fsr-3905	10	29	retirement	retirement	NOUN
fsr-3905	10	30	wealth	wealth	NOUN
fsr-3905	10	31	accumulation	accumulation	NOUN
fsr-3905	10	32	.	.	PUNCT
fsr-3905	11	1	individuals	individual	NOUN
fsr-3905	11	2	approaching	approach	VERB
fsr-3905	11	3	retirement	retirement	NOUN
fsr-3905	11	4	under	under	ADP
fsr-3905	11	5	these	these	DET
fsr-3905	11	6	circumstances	circumstance	NOUN
fsr-3905	11	7	have	have	VERB
fsr-3905	11	8	few	few	ADJ
fsr-3905	11	9	choices	choice	NOUN
fsr-3905	11	10	.	.	PUNCT
fsr-3905	12	1	two	two	NUM
fsr-3905	12	2	of	of	ADP
fsr-3905	12	3	the	the	DET
fsr-3905	12	4	articles	article	NOUN
fsr-3905	12	5	in	in	ADP
fsr-3905	12	6	this	this	DET
fsr-3905	12	7	issue	issue	NOUN
fsr-3905	12	8	address	address	VERB
fsr-3905	12	9	the	the	DET
fsr-3905	12	10	timing	timing	NOUN
fsr-3905	12	11	of	of	ADP
fsr-3905	12	12	retirement	retirement	NOUN
fsr-3905	12	13	.	.	PUNCT
fsr-3905	13	1	in	in	ADP
fsr-3905	13	2	“	"	PUNCT
fsr-3905	13	3	determinants	determinant	NOUN
fsr-3905	13	4	of	of	ADP
fsr-3905	13	5	planned	plan	VERB
fsr-3905	13	6	retirement	retirement	NOUN
fsr-3905	13	7	age	age	NOUN
fsr-3905	13	8	,	,	PUNCT
fsr-3905	13	9	”	"	PUNCT
fsr-3905	13	10	catherine	catherine	PROPN
fsr-3905	13	11	montalto	montalto	PROPN
fsr-3905	13	12	,	,	PUNCT
fsr-3905	13	13	yoonkyung	yoonkyung	PROPN
fsr-3905	13	14	yuh	yuh	PROPN
fsr-3905	13	15	,	,	PUNCT
fsr-3905	13	16	and	and	CCONJ
fsr-3905	13	17	sherman	sherman	PROPN
fsr-3905	13	18	hanna	hanna	PROPN
fsr-3905	13	19	use	use	VERB
fsr-3905	13	20	the	the	DET
fsr-3905	13	21	health	health	NOUN
fsr-3905	13	22	and	and	CCONJ
fsr-3905	13	23	retirement	retirement	NOUN
fsr-3905	13	24	study	study	NOUN
fsr-3905	13	25	dataset	dataset	NOUN
fsr-3905	13	26	covering	cover	VERB
fsr-3905	13	27	older	old	ADJ
fsr-3905	13	28	households	household	NOUN
fsr-3905	13	29	to	to	PART
fsr-3905	13	30	consider	consider	VERB
fsr-3905	13	31	the	the	DET
fsr-3905	13	32	factors	factor	NOUN
fsr-3905	13	33	that	that	PRON
fsr-3905	13	34	influence	influence	NOUN
fsr-3905	13	35	planned	plan	VERB
fsr-3905	13	36	retirement	retirement	NOUN
fsr-3905	13	37	age	age	NOUN
fsr-3905	13	38	.	.	PUNCT
fsr-3905	14	1	although	although	SCONJ
fsr-3905	14	2	individuals	individual	NOUN
fsr-3905	14	3	may	may	AUX
fsr-3905	14	4	have	have	VERB
fsr-3905	14	5	plans	plan	NOUN
fsr-3905	14	6	to	to	PART
fsr-3905	14	7	retire	retire	VERB
fsr-3905	14	8	earlier	early	ADV
fsr-3905	14	9	while	while	SCONJ
fsr-3905	14	10	they	they	PRON
fsr-3905	14	11	are	be	AUX
fsr-3905	14	12	young	young	ADJ
fsr-3905	14	13	,	,	PUNCT
fsr-3905	14	14	planned	plan	VERB
fsr-3905	14	15	retirement	retirement	NOUN
fsr-3905	14	16	age	age	NOUN
fsr-3905	14	17	increases	increase	VERB
fsr-3905	14	18	with	with	ADP
fsr-3905	14	19	age	age	NOUN
fsr-3905	14	20	,	,	PUNCT
fsr-3905	14	21	perhaps	perhaps	ADV
fsr-3905	14	22	an	an	DET
fsr-3905	14	23	indication	indication	NOUN
fsr-3905	14	24	that	that	SCONJ
fsr-3905	14	25	inadequacy	inadequacy	NOUN
fsr-3905	14	26	of	of	ADP
fsr-3905	14	27	retirement	retirement	NOUN
fsr-3905	14	28	wealth	wealth	NOUN
fsr-3905	14	29	is	be	AUX
fsr-3905	14	30	forcing	force	VERB
fsr-3905	14	31	financial	financial	ADJ
fsr-3905	14	32	services	service	NOUN
fsr-3905	14	33	review	review	VERB
fsr-3905	14	34	9	9	NUM
fsr-3905	14	35	(	(	PUNCT
fsr-3905	14	36	2000	2000	NUM
fsr-3905	14	37	)	)	PUNCT
fsr-3905	14	38	v	v	PROPN
fsr-3905	14	39	–	–	PUNCT
fsr-3905	14	40	vii	vii	PROPN
fsr-3905	14	41	1057	1057	NUM
fsr-3905	14	42	-	-	SYM
fsr-3905	14	43	0810/00/$	0810/00/$	NUM
fsr-3905	14	44	–	–	PUNCT
fsr-3905	14	45	see	see	VERB
fsr-3905	14	46	front	front	ADJ
fsr-3905	14	47	matter	matter	NOUN
fsr-3905	14	48	©	©	PROPN
fsr-3905	14	49	2000	2000	NUM
fsr-3905	14	50	elsevier	elsevier	PROPN
fsr-3905	14	51	science	science	PROPN
fsr-3905	14	52	inc	inc	PROPN
fsr-3905	14	53	.	.	PUNCT
fsr-3905	15	1	all	all	DET
fsr-3905	15	2	rights	right	NOUN
fsr-3905	15	3	reserved	reserve	VERB
fsr-3905	15	4	.	.	PUNCT
fsr-3905	16	1	pii	pii	NOUN
fsr-3905	16	2	:	:	PUNCT
fsr-3905	16	3	s1057	s1057	NOUN
fsr-3905	16	4	-	-	PUNCT
fsr-3905	16	5	0810(00)00051	0810(00)00051	NUM
fsr-3905	16	6	-	-	PUNCT
fsr-3905	16	7	2	2	NUM
fsr-3905	16	8	longer	long	ADV
fsr-3905	16	9	working	work	VERB
fsr-3905	16	10	periods	period	NOUN
fsr-3905	16	11	.	.	PUNCT
fsr-3905	17	1	walt	walt	PROPN
fsr-3905	17	2	woerheide	woerheide	PROPN
fsr-3905	17	3	takes	take	VERB
fsr-3905	17	4	a	a	DET
fsr-3905	17	5	different	different	ADJ
fsr-3905	17	6	approach	approach	NOUN
fsr-3905	17	7	to	to	ADP
fsr-3905	17	8	this	this	DET
fsr-3905	17	9	question	question	NOUN
fsr-3905	17	10	in	in	ADP
fsr-3905	17	11	his	his	PRON
fsr-3905	17	12	paper	paper	NOUN
fsr-3905	17	13	,	,	PUNCT
fsr-3905	17	14	“	"	PUNCT
fsr-3905	17	15	the	the	DET
fsr-3905	17	16	impact	impact	NOUN
fsr-3905	17	17	of	of	ADP
fsr-3905	17	18	the	the	DET
fsr-3905	17	19	pension	pension	NOUN
fsr-3905	17	20	on	on	ADP
fsr-3905	17	21	the	the	DET
fsr-3905	17	22	decision	decision	NOUN
fsr-3905	17	23	to	to	PART
fsr-3905	17	24	work	work	VERB
fsr-3905	17	25	one	one	NUM
fsr-3905	17	26	more	more	ADJ
fsr-3905	17	27	year	year	NOUN
fsr-3905	17	28	,	,	PUNCT
fsr-3905	17	29	”	"	PUNCT
fsr-3905	17	30	in	in	ADP
fsr-3905	17	31	which	which	PRON
fsr-3905	17	32	he	he	PRON
fsr-3905	17	33	estimates	estimate	VERB
fsr-3905	17	34	the	the	DET
fsr-3905	17	35	net	net	ADJ
fsr-3905	17	36	benefit	benefit	NOUN
fsr-3905	17	37	to	to	PART
fsr-3905	17	38	be	be	AUX
fsr-3905	17	39	received	receive	VERB
fsr-3905	17	40	by	by	ADP
fsr-3905	17	41	working	work	VERB
fsr-3905	17	42	an	an	DET
fsr-3905	17	43	additional	additional	ADJ
fsr-3905	17	44	year	year	NOUN
fsr-3905	17	45	(	(	PUNCT
fsr-3905	17	46	salary	salary	NOUN
fsr-3905	17	47	plus	plus	CCONJ
fsr-3905	17	48	additional	additional	ADJ
fsr-3905	17	49	pension	pension	NOUN
fsr-3905	17	50	accruals	accrual	NOUN
fsr-3905	17	51	less	less	ADJ
fsr-3905	17	52	foregone	foregone	NOUN
fsr-3905	17	53	retirement	retirement	NOUN
fsr-3905	17	54	benefits	benefit	NOUN
fsr-3905	17	55	)	)	PUNCT
fsr-3905	17	56	.	.	PUNCT
fsr-3905	18	1	in	in	ADP
fsr-3905	18	2	“	"	PUNCT
fsr-3905	18	3	beliefs	belief	NOUN
fsr-3905	18	4	and	and	CCONJ
fsr-3905	18	5	actions	action	NOUN
fsr-3905	18	6	:	:	PUNCT
fsr-3905	18	7	expectations	expectation	NOUN
fsr-3905	18	8	and	and	CCONJ
fsr-3905	18	9	savings	saving	NOUN
fsr-3905	18	10	decisions	decision	NOUN
fsr-3905	18	11	by	by	ADP
fsr-3905	18	12	older	old	ADJ
fsr-3905	18	13	americans	american	NOUN
fsr-3905	18	14	”	"	PUNCT
fsr-3905	18	15	,	,	PUNCT
fsr-3905	18	16	harold	harold	PROPN
fsr-3905	18	17	elder	elder	PROPN
fsr-3905	18	18	and	and	CCONJ
fsr-3905	18	19	patricia	patricia	PROPN
fsr-3905	18	20	rudolph	rudolph	PROPN
fsr-3905	18	21	explore	explore	VERB
fsr-3905	18	22	the	the	DET
fsr-3905	18	23	interesting	interesting	ADJ
fsr-3905	18	24	question	question	NOUN
fsr-3905	18	25	of	of	ADP
fsr-3905	18	26	the	the	DET
fsr-3905	18	27	inter	inter	NOUN
fsr-3905	18	28	-	-	NOUN
fsr-3905	18	29	relationship	relationship	NOUN
fsr-3905	18	30	between	between	ADP
fsr-3905	18	31	savings	saving	NOUN
fsr-3905	18	32	behavior	behavior	NOUN
fsr-3905	18	33	,	,	PUNCT
fsr-3905	18	34	pension	pension	NOUN
fsr-3905	18	35	plan	plan	NOUN
fsr-3905	18	36	participation	participation	NOUN
fsr-3905	18	37	,	,	PUNCT
fsr-3905	18	38	and	and	CCONJ
fsr-3905	18	39	expectations	expectation	NOUN
fsr-3905	18	40	with	with	ADP
fsr-3905	18	41	respect	respect	NOUN
fsr-3905	18	42	to	to	ADP
fsr-3905	18	43	retirement	retirement	NOUN
fsr-3905	18	44	standard	standard	NOUN
fsr-3905	18	45	of	of	ADP
fsr-3905	18	46	living	living	NOUN
fsr-3905	18	47	.	.	PUNCT
fsr-3905	19	1	their	their	PRON
fsr-3905	19	2	finding	finding	NOUN
fsr-3905	19	3	that	that	SCONJ
fsr-3905	19	4	individuals	individual	NOUN
fsr-3905	19	5	consider	consider	VERB
fsr-3905	19	6	personal	personal	ADJ
fsr-3905	19	7	savings	saving	NOUN
fsr-3905	19	8	and	and	CCONJ
fsr-3905	19	9	pension	pension	NOUN
fsr-3905	19	10	plan	plan	NOUN
fsr-3905	19	11	savings	saving	NOUN
fsr-3905	19	12	to	to	PART
fsr-3905	19	13	be	be	AUX
fsr-3905	19	14	substitutes	substitute	NOUN
fsr-3905	19	15	is	be	AUX
fsr-3905	19	16	an	an	DET
fsr-3905	19	17	important	important	ADJ
fsr-3905	19	18	explanation	explanation	NOUN
fsr-3905	19	19	for	for	ADP
fsr-3905	19	20	low	low	ADJ
fsr-3905	19	21	savings	saving	NOUN
fsr-3905	19	22	rates	rate	NOUN
fsr-3905	19	23	in	in	ADP
fsr-3905	19	24	light	light	NOUN
fsr-3905	19	25	of	of	ADP
fsr-3905	19	26	the	the	DET
fsr-3905	19	27	increasing	increase	VERB
fsr-3905	19	28	numbers	number	NOUN
fsr-3905	19	29	of	of	ADP
fsr-3905	19	30	defined	define	VERB
fsr-3905	19	31	contribution	contribution	NOUN
fsr-3905	19	32	plans	plan	NOUN
fsr-3905	19	33	and	and	CCONJ
fsr-3905	19	34	their	their	PRON
fsr-3905	19	35	financial	financial	ADJ
fsr-3905	19	36	performance	performance	NOUN
fsr-3905	19	37	over	over	ADP
fsr-3905	19	38	the	the	DET
fsr-3905	19	39	last	last	ADJ
fsr-3905	19	40	decade	decade	NOUN
fsr-3905	19	41	.	.	PUNCT
fsr-3905	20	1	however	however	ADV
fsr-3905	20	2	,	,	PUNCT
fsr-3905	20	3	the	the	DET
fsr-3905	20	4	fact	fact	NOUN
fsr-3905	20	5	that	that	SCONJ
fsr-3905	20	6	individual	individual	ADJ
fsr-3905	20	7	saving	saving	NOUN
fsr-3905	20	8	,	,	PUNCT
fsr-3905	20	9	but	but	CCONJ
fsr-3905	20	10	not	not	PART
fsr-3905	20	11	pensions	pension	NOUN
fsr-3905	20	12	,	,	PUNCT
fsr-3905	20	13	is	be	AUX
fsr-3905	20	14	found	find	VERB
fsr-3905	20	15	to	to	PART
fsr-3905	20	16	have	have	VERB
fsr-3905	20	17	an	an	DET
fsr-3905	20	18	affect	affect	NOUN
fsr-3905	20	19	on	on	ADP
fsr-3905	20	20	expected	expect	VERB
fsr-3905	20	21	standard	standard	NOUN
fsr-3905	20	22	of	of	ADP
fsr-3905	20	23	living	live	VERB
fsr-3905	20	24	in	in	ADP
fsr-3905	20	25	retirement	retirement	NOUN
fsr-3905	20	26	may	may	AUX
fsr-3905	20	27	imply	imply	VERB
fsr-3905	20	28	that	that	SCONJ
fsr-3905	20	29	individuals	individual	NOUN
fsr-3905	20	30	do	do	AUX
fsr-3905	20	31	not	not	PART
fsr-3905	20	32	fully	fully	ADV
fsr-3905	20	33	understand	understand	VERB
fsr-3905	20	34	the	the	DET
fsr-3905	20	35	value	value	NOUN
fsr-3905	20	36	of	of	ADP
fsr-3905	20	37	private	private	ADJ
fsr-3905	20	38	pensions	pension	NOUN
fsr-3905	20	39	.	.	PUNCT
fsr-3905	21	1	in	in	ADP
fsr-3905	21	2	light	light	NOUN
fsr-3905	21	3	of	of	ADP
fsr-3905	21	4	social	social	ADJ
fsr-3905	21	5	security	security	NOUN
fsr-3905	21	6	reform	reform	NOUN
fsr-3905	21	7	proposals	proposal	NOUN
fsr-3905	21	8	that	that	PRON
fsr-3905	21	9	suggest	suggest	VERB
fsr-3905	21	10	creation	creation	NOUN
fsr-3905	21	11	of	of	ADP
fsr-3905	21	12	individual	individual	ADJ
fsr-3905	21	13	investment	investment	NOUN
fsr-3905	21	14	accounts	account	NOUN
fsr-3905	21	15	and/or	and/or	CCONJ
fsr-3905	21	16	investment	investment	NOUN
fsr-3905	21	17	of	of	ADP
fsr-3905	21	18	social	social	ADJ
fsr-3905	21	19	security	security	NOUN
fsr-3905	21	20	trust	trust	NOUN
fsr-3905	21	21	fund	fund	NOUN
fsr-3905	21	22	in	in	ADP
fsr-3905	21	23	equities	equity	NOUN
fsr-3905	21	24	,	,	PUNCT
fsr-3905	21	25	several	several	ADJ
fsr-3905	21	26	papers	paper	NOUN
fsr-3905	21	27	in	in	ADP
fsr-3905	21	28	this	this	DET
fsr-3905	21	29	issue	issue	NOUN
fsr-3905	21	30	are	be	AUX
fsr-3905	21	31	particularly	particularly	ADV
fsr-3905	21	32	interesting	interesting	ADJ
fsr-3905	21	33	.	.	PUNCT
fsr-3905	22	1	although	although	SCONJ
fsr-3905	22	2	previous	previous	ADJ
fsr-3905	22	3	studies	study	NOUN
fsr-3905	22	4	have	have	AUX
fsr-3905	22	5	suggested	suggest	VERB
fsr-3905	22	6	that	that	SCONJ
fsr-3905	22	7	stocks	stock	NOUN
fsr-3905	22	8	generally	generally	ADV
fsr-3905	22	9	have	have	AUX
fsr-3905	22	10	outperformed	outperform	VERB
fsr-3905	22	11	bonds	bond	NOUN
fsr-3905	22	12	in	in	ADP
fsr-3905	22	13	the	the	DET
fsr-3905	22	14	long	long	ADJ
fsr-3905	22	15	run	run	NOUN
fsr-3905	22	16	,	,	PUNCT
fsr-3905	22	17	common	common	ADJ
fsr-3905	22	18	wisdom	wisdom	NOUN
fsr-3905	22	19	has	have	AUX
fsr-3905	22	20	argued	argue	VERB
fsr-3905	22	21	in	in	ADP
fsr-3905	22	22	favor	favor	NOUN
fsr-3905	22	23	of	of	ADP
fsr-3905	22	24	reducing	reduce	VERB
fsr-3905	22	25	equity	equity	NOUN
fsr-3905	22	26	exposure	exposure	NOUN
fsr-3905	22	27	as	as	SCONJ
fsr-3905	22	28	retirement	retirement	NOUN
fsr-3905	22	29	nears	near	VERB
fsr-3905	22	30	.	.	PUNCT
fsr-3905	23	1	in	in	ADP
fsr-3905	23	2	“	"	PUNCT
fsr-3905	23	3	the	the	DET
fsr-3905	23	4	asset	asset	NOUN
fsr-3905	23	5	allocation	allocation	NOUN
fsr-3905	23	6	decision	decision	NOUN
fsr-3905	23	7	in	in	ADP
fsr-3905	23	8	retirement	retirement	NOUN
fsr-3905	23	9	:	:	PUNCT
fsr-3905	23	10	lessons	lesson	NOUN
fsr-3905	23	11	from	from	ADP
fsr-3905	23	12	dollar	dollar	NOUN
fsr-3905	23	13	-	-	PUNCT
fsr-3905	23	14	cost	cost	NOUN
fsr-3905	23	15	averaging	averaging	NOUN
fsr-3905	23	16	,	,	PUNCT
fsr-3905	23	17	”	"	PUNCT
fsr-3905	23	18	premal	premal	ADJ
fsr-3905	23	19	vora	vora	NOUN
fsr-3905	23	20	and	and	CCONJ
fsr-3905	23	21	john	john	PROPN
fsr-3905	23	22	mcginnis	mcginnis	PROPN
fsr-3905	23	23	consider	consider	VERB
fsr-3905	23	24	the	the	DET
fsr-3905	23	25	retirement	retirement	NOUN
fsr-3905	23	26	consumption	consumption	NOUN
fsr-3905	23	27	effect	effect	NOUN
fsr-3905	23	28	of	of	ADP
fsr-3905	23	29	stock	stock	NOUN
fsr-3905	23	30	versus	versus	ADP
fsr-3905	23	31	bond	bond	NOUN
fsr-3905	23	32	investing	invest	VERB
fsr-3905	23	33	during	during	ADP
fsr-3905	23	34	the	the	DET
fsr-3905	23	35	retirement	retirement	NOUN
fsr-3905	23	36	period	period	NOUN
fsr-3905	23	37	.	.	PUNCT
fsr-3905	24	1	employing	employ	VERB
fsr-3905	24	2	a	a	DET
fsr-3905	24	3	“	"	PUNCT
fsr-3905	24	4	dollar	dollar	NOUN
fsr-3905	24	5	-	-	PUNCT
fsr-3905	24	6	cost	cost	NOUN
fsr-3905	24	7	disinvesting	disinvesting	NOUN
fsr-3905	24	8	”	"	PUNCT
fsr-3905	24	9	methodology	methodology	NOUN
fsr-3905	24	10	,	,	PUNCT
fsr-3905	24	11	they	they	PRON
fsr-3905	24	12	show	show	VERB
fsr-3905	24	13	that	that	SCONJ
fsr-3905	24	14	retirees	retiree	NOUN
fsr-3905	24	15	over	over	ADP
fsr-3905	24	16	that	that	PRON
fsr-3905	24	17	last	last	ADJ
fsr-3905	24	18	several	several	ADJ
fsr-3905	24	19	decades	decade	NOUN
fsr-3905	24	20	would	would	AUX
fsr-3905	24	21	have	have	AUX
fsr-3905	24	22	consistently	consistently	ADV
fsr-3905	24	23	done	do	VERB
fsr-3905	24	24	better	well	ADV
fsr-3905	24	25	by	by	ADP
fsr-3905	24	26	investing	invest	VERB
fsr-3905	24	27	in	in	ADP
fsr-3905	24	28	stocks	stock	NOUN
fsr-3905	24	29	.	.	PUNCT
fsr-3905	25	1	however	however	ADV
fsr-3905	25	2	,	,	PUNCT
fsr-3905	25	3	it	it	PRON
fsr-3905	25	4	is	be	AUX
fsr-3905	25	5	clear	clear	ADJ
fsr-3905	25	6	from	from	ADP
fsr-3905	25	7	the	the	DET
fsr-3905	25	8	other	other	ADJ
fsr-3905	25	9	papers	paper	NOUN
fsr-3905	25	10	in	in	ADP
fsr-3905	25	11	this	this	DET
fsr-3905	25	12	issue	issue	NOUN
fsr-3905	25	13	that	that	SCONJ
fsr-3905	25	14	actual	actual	ADJ
fsr-3905	25	15	investment	investment	NOUN
fsr-3905	25	16	decisions	decision	NOUN
fsr-3905	25	17	by	by	ADP
fsr-3905	25	18	individuals	individual	NOUN
fsr-3905	25	19	may	may	AUX
fsr-3905	25	20	not	not	PART
fsr-3905	25	21	produce	produce	VERB
fsr-3905	25	22	optimal	optimal	ADJ
fsr-3905	25	23	retirement	retirement	NOUN
fsr-3905	25	24	outcomes	outcome	NOUN
fsr-3905	25	25	.	.	PUNCT
fsr-3905	26	1	jack	jack	PROPN
fsr-3905	26	2	vanderhei	vanderhei	PROPN
fsr-3905	26	3	and	and	CCONJ
fsr-3905	26	4	kelly	kelly	PROPN
fsr-3905	26	5	olsen	olsen	PROPN
fsr-3905	26	6	use	use	VERB
fsr-3905	26	7	a	a	DET
fsr-3905	26	8	unique	unique	ADJ
fsr-3905	26	9	database	database	NOUN
fsr-3905	26	10	which	which	PRON
fsr-3905	26	11	includes	include	VERB
fsr-3905	26	12	information	information	NOUN
fsr-3905	26	13	on	on	ADP
fsr-3905	26	14	nearly	nearly	ADV
fsr-3905	26	15	thirty	thirty	NUM
fsr-3905	26	16	thousand	thousand	NUM
fsr-3905	26	17	401(k	401(k	NOUN
fsr-3905	26	18	)	)	PUNCT
fsr-3905	26	19	plans	plan	NOUN
fsr-3905	26	20	and	and	CCONJ
fsr-3905	26	21	more	more	ADJ
fsr-3905	26	22	than	than	ADP
fsr-3905	26	23	six	six	NUM
fsr-3905	26	24	million	million	NUM
fsr-3905	26	25	participants	participant	NOUN
fsr-3905	26	26	in	in	ADP
fsr-3905	26	27	“	"	PUNCT
fsr-3905	26	28	social	social	ADJ
fsr-3905	26	29	security	security	NOUN
fsr-3905	26	30	investment	investment	NOUN
fsr-3905	26	31	accounts	account	NOUN
fsr-3905	26	32	:	:	PUNCT
fsr-3905	26	33	lessons	lesson	NOUN
fsr-3905	26	34	from	from	ADP
fsr-3905	26	35	participant	participant	ADJ
fsr-3905	26	36	directed	direct	VERB
fsr-3905	26	37	401(k	401(k	PROPN
fsr-3905	26	38	)	)	PUNCT
fsr-3905	26	39	data	datum	NOUN
fsr-3905	26	40	”	"	PUNCT
fsr-3905	26	41	and	and	CCONJ
fsr-3905	26	42	apply	apply	VERB
fsr-3905	26	43	their	their	PRON
fsr-3905	26	44	findings	finding	NOUN
fsr-3905	26	45	to	to	ADP
fsr-3905	26	46	an	an	DET
fsr-3905	26	47	analysis	analysis	NOUN
fsr-3905	26	48	of	of	ADP
fsr-3905	26	49	the	the	DET
fsr-3905	26	50	advisability	advisability	NOUN
fsr-3905	26	51	of	of	ADP
fsr-3905	26	52	giving	give	VERB
fsr-3905	26	53	investment	investment	NOUN
fsr-3905	26	54	control	control	NOUN
fsr-3905	26	55	over	over	ADP
fsr-3905	26	56	social	social	ADJ
fsr-3905	26	57	security	security	NOUN
fsr-3905	26	58	accounts	account	NOUN
fsr-3905	26	59	to	to	ADP
fsr-3905	26	60	individual	individual	ADJ
fsr-3905	26	61	participants	participant	NOUN
fsr-3905	26	62	.	.	PUNCT
fsr-3905	27	1	based	base	VERB
fsr-3905	27	2	on	on	ADP
fsr-3905	27	3	recent	recent	ADJ
fsr-3905	27	4	investment	investment	NOUN
fsr-3905	27	5	decisions	decision	NOUN
fsr-3905	27	6	by	by	ADP
fsr-3905	27	7	401(k	401(k	NOUN
fsr-3905	27	8	)	)	PUNCT
fsr-3905	27	9	participants	participant	NOUN
fsr-3905	27	10	,	,	PUNCT
fsr-3905	27	11	they	they	PRON
fsr-3905	27	12	conclude	conclude	VERB
fsr-3905	27	13	that	that	SCONJ
fsr-3905	27	14	a	a	DET
fsr-3905	27	15	large	large	ADJ
fsr-3905	27	16	percentage	percentage	NOUN
fsr-3905	27	17	of	of	ADP
fsr-3905	27	18	individuals	individual	NOUN
fsr-3905	27	19	are	be	AUX
fsr-3905	27	20	very	very	ADV
fsr-3905	27	21	conservative	conservative	ADJ
fsr-3905	27	22	in	in	ADP
fsr-3905	27	23	their	their	PRON
fsr-3905	27	24	investment	investment	NOUN
fsr-3905	27	25	choices	choice	NOUN
fsr-3905	27	26	,	,	PUNCT
fsr-3905	27	27	a	a	DET
fsr-3905	27	28	finding	finding	NOUN
fsr-3905	27	29	that	that	PRON
fsr-3905	27	30	is	be	AUX
fsr-3905	27	31	consistent	consistent	ADJ
fsr-3905	27	32	with	with	ADP
fsr-3905	27	33	that	that	PRON
fsr-3905	27	34	of	of	ADP
fsr-3905	27	35	doug	doug	NOUN
fsr-3905	27	36	waggle	waggle	NOUN
fsr-3905	27	37	and	and	CCONJ
fsr-3905	27	38	basil	basil	PROPN
fsr-3905	27	39	englis	englis	PROPN
fsr-3905	27	40	who	who	PRON
fsr-3905	27	41	examine	examine	VERB
fsr-3905	27	42	individual	individual	ADJ
fsr-3905	27	43	retirement	retirement	NOUN
fsr-3905	27	44	account	account	NOUN
fsr-3905	27	45	investments	investment	NOUN
fsr-3905	27	46	in	in	ADP
fsr-3905	27	47	their	their	PRON
fsr-3905	27	48	article	article	NOUN
fsr-3905	27	49	“	"	PUNCT
fsr-3905	27	50	asset	asset	NOUN
fsr-3905	27	51	allocation	allocation	NOUN
fsr-3905	27	52	decisions	decision	NOUN
fsr-3905	27	53	in	in	ADP
fsr-3905	27	54	retirement	retirement	NOUN
fsr-3905	27	55	accounts	account	NOUN
fsr-3905	27	56	:	:	PUNCT
fsr-3905	27	57	an	an	DET
fsr-3905	27	58	all	all	ADV
fsr-3905	27	59	-	-	PUNCT
fsr-3905	27	60	ornothing	ornothe	VERB
fsr-3905	27	61	proposition	proposition	NOUN
fsr-3905	27	62	.	.	PUNCT
fsr-3905	27	63	”	"	PUNCT
fsr-3905	28	1	their	their	PRON
fsr-3905	28	2	results	result	NOUN
fsr-3905	28	3	,	,	PUNCT
fsr-3905	28	4	based	base	VERB
fsr-3905	28	5	on	on	ADP
fsr-3905	28	6	a	a	DET
fsr-3905	28	7	large	large	ADJ
fsr-3905	28	8	survey	survey	NOUN
fsr-3905	28	9	sample	sample	NOUN
fsr-3905	28	10	of	of	ADP
fsr-3905	28	11	consumers	consumer	NOUN
fsr-3905	28	12	,	,	PUNCT
fsr-3905	28	13	suggest	suggest	VERB
fsr-3905	28	14	that	that	SCONJ
fsr-3905	28	15	many	many	ADJ
fsr-3905	28	16	individuals	individual	NOUN
fsr-3905	28	17	are	be	AUX
fsr-3905	28	18	totally	totally	ADV
fsr-3905	28	19	undiversified	undiversified	ADJ
fsr-3905	28	20	and	and	CCONJ
fsr-3905	28	21	that	that	SCONJ
fsr-3905	28	22	a	a	DET
fsr-3905	28	23	large	large	ADJ
fsr-3905	28	24	percentage	percentage	NOUN
fsr-3905	28	25	have	have	VERB
fsr-3905	28	26	their	their	PRON
fsr-3905	28	27	iras	ira	NOUN
fsr-3905	28	28	invested	invest	VERB
fsr-3905	28	29	entirely	entirely	ADV
fsr-3905	28	30	in	in	ADP
fsr-3905	28	31	cash	cash	NOUN
fsr-3905	28	32	.	.	PUNCT
fsr-3905	29	1	whether	whether	SCONJ
fsr-3905	29	2	or	or	CCONJ
fsr-3905	29	3	not	not	PART
fsr-3905	29	4	individuals	individual	NOUN
fsr-3905	29	5	can	can	AUX
fsr-3905	29	6	be	be	AUX
fsr-3905	29	7	expected	expect	VERB
fsr-3905	29	8	to	to	PART
fsr-3905	29	9	optimally	optimally	ADV
fsr-3905	29	10	invest	invest	VERB
fsr-3905	29	11	their	their	PRON
fsr-3905	29	12	individual	individual	ADJ
fsr-3905	29	13	social	social	ADJ
fsr-3905	29	14	security	security	NOUN
fsr-3905	29	15	accounts	account	NOUN
fsr-3905	29	16	,	,	PUNCT
fsr-3905	29	17	there	there	PRON
fsr-3905	29	18	are	be	VERB
fsr-3905	29	19	potentially	potentially	ADV
fsr-3905	29	20	large	large	ADJ
fsr-3905	29	21	macroeconomic	macroeconomic	ADJ
fsr-3905	29	22	spillover	spillover	NOUN
fsr-3905	29	23	effects	effect	NOUN
fsr-3905	29	24	from	from	ADP
fsr-3905	29	25	shifting	shift	VERB
fsr-3905	29	26	payroll	payroll	NOUN
fsr-3905	29	27	taxes	taxis	NOUN
fsr-3905	29	28	to	to	ADP
fsr-3905	29	29	equities	equity	NOUN
fsr-3905	29	30	.	.	PUNCT
fsr-3905	30	1	in	in	ADP
fsr-3905	30	2	“	"	PUNCT
fsr-3905	30	3	social	social	ADJ
fsr-3905	30	4	security	security	NOUN
fsr-3905	30	5	reform	reform	NOUN
fsr-3905	30	6	:	:	PUNCT
fsr-3905	30	7	the	the	DET
fsr-3905	30	8	effect	effect	NOUN
fsr-3905	30	9	of	of	ADP
fsr-3905	30	10	investing	invest	VERB
fsr-3905	30	11	in	in	ADP
fsr-3905	30	12	equities	equity	NOUN
fsr-3905	30	13	,	,	PUNCT
fsr-3905	30	14	”	"	PUNCT
fsr-3905	30	15	erick	erick	PROPN
fsr-3905	30	16	elder	elder	NOUN
fsr-3905	30	17	and	and	CCONJ
fsr-3905	30	18	larry	larry	PROPN
fsr-3905	30	19	holland	holland	PROPN
fsr-3905	30	20	provide	provide	VERB
fsr-3905	30	21	a	a	DET
fsr-3905	30	22	convincing	convincing	ADJ
fsr-3905	30	23	argument	argument	NOUN
fsr-3905	30	24	that	that	SCONJ
fsr-3905	30	25	shifting	shift	VERB
fsr-3905	30	26	social	social	ADJ
fsr-3905	30	27	security	security	NOUN
fsr-3905	30	28	funds	fund	NOUN
fsr-3905	30	29	from	from	ADP
fsr-3905	30	30	government	government	NOUN
fsr-3905	30	31	securities	security	NOUN
fsr-3905	30	32	to	to	ADP
fsr-3905	30	33	equities	equity	NOUN
fsr-3905	30	34	implies	imply	VERB
fsr-3905	30	35	a	a	DET
fsr-3905	30	36	decrease	decrease	NOUN
fsr-3905	30	37	in	in	ADP
fsr-3905	30	38	the	the	DET
fsr-3905	30	39	return	return	NOUN
fsr-3905	30	40	on	on	ADP
fsr-3905	30	41	equities	equity	NOUN
fsr-3905	30	42	,	,	PUNCT
fsr-3905	30	43	an	an	DET
fsr-3905	30	44	increase	increase	NOUN
fsr-3905	30	45	in	in	ADP
fsr-3905	30	46	bond	bond	NOUN
fsr-3905	30	47	yield	yield	NOUN
fsr-3905	30	48	and	and	CCONJ
fsr-3905	30	49	ultimately	ultimately	ADV
fsr-3905	30	50	an	an	DET
fsr-3905	30	51	increase	increase	NOUN
fsr-3905	30	52	in	in	ADP
fsr-3905	30	53	general	general	ADJ
fsr-3905	30	54	income	income	NOUN
fsr-3905	30	55	taxes	taxis	NOUN
fsr-3905	30	56	.	.	PUNCT
fsr-3905	31	1	the	the	DET
fsr-3905	31	2	final	final	ADJ
fsr-3905	31	3	paper	paper	NOUN
fsr-3905	31	4	in	in	ADP
fsr-3905	31	5	this	this	DET
fsr-3905	31	6	issue	issue	NOUN
fsr-3905	31	7	provides	provide	VERB
fsr-3905	31	8	an	an	DET
fsr-3905	31	9	interesting	interesting	ADJ
fsr-3905	31	10	analysis	analysis	NOUN
fsr-3905	31	11	of	of	ADP
fsr-3905	31	12	an	an	DET
fsr-3905	31	13	alternative	alternative	ADJ
fsr-3905	31	14	retirement	retirement	NOUN
fsr-3905	31	15	savings	saving	NOUN
fsr-3905	31	16	vehicle	vehicle	NOUN
fsr-3905	31	17	.	.	PUNCT
fsr-3905	32	1	in	in	ADP
fsr-3905	32	2	“	"	PUNCT
fsr-3905	32	3	an	an	DET
fsr-3905	32	4	analysis	analysis	NOUN
fsr-3905	32	5	of	of	ADP
fsr-3905	32	6	the	the	DET
fsr-3905	32	7	medical	medical	ADJ
fsr-3905	32	8	savings	saving	NOUN
fsr-3905	32	9	account	account	NOUN
fsr-3905	32	10	as	as	ADP
fsr-3905	32	11	an	an	DET
fsr-3905	32	12	alternative	alternative	ADJ
fsr-3905	32	13	retirement	retirement	NOUN
fsr-3905	32	14	savings	saving	NOUN
fsr-3905	32	15	vehicle	vehicle	NOUN
fsr-3905	32	16	,	,	PUNCT
fsr-3905	32	17	”	"	PUNCT
fsr-3905	32	18	j.	j.	PROPN
fsr-3905	32	19	tim	tim	PROPN
fsr-3905	32	20	query	query	PROPN
fsr-3905	32	21	suggest	suggest	VERB
fsr-3905	32	22	that	that	SCONJ
fsr-3905	32	23	,	,	PUNCT
fsr-3905	32	24	while	while	SCONJ
fsr-3905	32	25	the	the	DET
fsr-3905	32	26	medical	medical	ADJ
fsr-3905	32	27	savings	saving	NOUN
fsr-3905	32	28	account	account	NOUN
fsr-3905	32	29	is	be	AUX
fsr-3905	32	30	not	not	PART
fsr-3905	32	31	vi	vi	PROPN
fsr-3905	32	32	v.l	v.l	PROPN
fsr-3905	32	33	.	.	PROPN
fsr-3905	32	34	bajtelsmit	bajtelsmit	NOUN
fsr-3905	32	35	/	/	SYM
fsr-3905	32	36	financial	financial	ADJ
fsr-3905	32	37	services	service	NOUN
fsr-3905	32	38	review	review	VERB
fsr-3905	32	39	9	9	NUM
fsr-3905	32	40	(	(	PUNCT
fsr-3905	32	41	2000	2000	NUM
fsr-3905	32	42	)	)	PUNCT
fsr-3905	32	43	v	v	NOUN
fsr-3905	32	44	–	–	PUNCT
fsr-3905	32	45	vii	vii	PROPN
fsr-3905	32	46	a	a	DET
fsr-3905	32	47	substitute	substitute	NOUN
fsr-3905	32	48	for	for	ADP
fsr-3905	32	49	traditional	traditional	ADJ
fsr-3905	32	50	retirement	retirement	NOUN
fsr-3905	32	51	savings	saving	NOUN
fsr-3905	32	52	vehicles	vehicle	NOUN
fsr-3905	32	53	and	and	CCONJ
fsr-3905	32	54	pensions	pension	NOUN
fsr-3905	32	55	,	,	PUNCT
fsr-3905	32	56	individuals	individual	NOUN
fsr-3905	32	57	with	with	ADP
fsr-3905	32	58	low	low	ADJ
fsr-3905	32	59	expected	expect	VERB
fsr-3905	32	60	medical	medical	ADJ
fsr-3905	32	61	expenditures	expenditure	NOUN
fsr-3905	32	62	could	could	AUX
fsr-3905	32	63	accumulate	accumulate	VERB
fsr-3905	32	64	significant	significant	ADJ
fsr-3905	32	65	account	account	NOUN
fsr-3905	32	66	balances	balance	NOUN
fsr-3905	32	67	by	by	ADP
fsr-3905	32	68	the	the	DET
fsr-3905	32	69	time	time	NOUN
fsr-3905	32	70	of	of	ADP
fsr-3905	32	71	retirement	retirement	NOUN
fsr-3905	32	72	.	.	PUNCT
fsr-3905	33	1	vickie	vickie	PROPN
fsr-3905	33	2	l.	l.	PROPN
fsr-3905	33	3	bajtelsmit	bajtelsmit	PROPN
fsr-3905	33	4	department	department	PROPN
fsr-3905	33	5	of	of	ADP
fsr-3905	33	6	finance	finance	NOUN
fsr-3905	33	7	and	and	CCONJ
fsr-3905	33	8	real	real	ADJ
fsr-3905	33	9	estate	estate	NOUN
fsr-3905	33	10	colorado	colorado	PROPN
fsr-3905	33	11	state	state	PROPN
fsr-3905	33	12	university	university	PROPN
fsr-3905	33	13	fort	fort	PROPN
fsr-3905	33	14	collins	collins	PROPN
fsr-3905	33	15	,	,	PUNCT
fsr-3905	33	16	co	co	NOUN
fsr-3905	33	17	80523	80523	NUM
fsr-3905	33	18	,	,	PUNCT
fsr-3905	33	19	usa	usa	PROPN
fsr-3905	33	20	viiv.l	viiv.l	PROPN
fsr-3905	33	21	.	.	PUNCT
fsr-3905	34	1	bajtelsmit	bajtelsmit	NOUN
fsr-3905	34	2	/	/	SYM
fsr-3905	34	3	financial	financial	ADJ
fsr-3905	34	4	services	service	NOUN
fsr-3905	34	5	review	review	VERB
fsr-3905	34	6	9	9	NUM
fsr-3905	34	7	(	(	PUNCT
fsr-3905	34	8	2000	2000	NUM
fsr-3905	34	9	)	)	PUNCT
fsr-3905	34	10	v	v	NOUN
fsr-3905	34	11	–	–	PUNCT
fsr-3905	34	12	vii	vii	NOUN