id	sid	tid	token	lemma	pos
fsr-3906	1	1	pii	pii	PROPN
fsr-3906	1	2	:	:	PUNCT
fsr-3906	1	3	s1057	s1057	NOUN
fsr-3906	1	4	-	-	PUNCT
fsr-3906	1	5	0810(00)00052	0810(00)00052	NOUN
fsr-3906	1	6	-	-	PUNCT
fsr-3906	1	7	4	4	NUM
fsr-3906	1	8	determinants	determinant	NOUN
fsr-3906	1	9	of	of	ADP
fsr-3906	1	10	planned	plan	VERB
fsr-3906	1	11	retirement	retirement	NOUN
fsr-3906	1	12	age	age	NOUN
fsr-3906	1	13	catherine	catherine	PROPN
fsr-3906	1	14	phillips	phillips	PROPN
fsr-3906	1	15	montaltoa	montaltoa	PROPN
fsr-3906	1	16	,	,	PUNCT
fsr-3906	1	17	*	*	PUNCT
fsr-3906	1	18	,	,	PUNCT
fsr-3906	1	19	yoonkyung	yoonkyung	NOUN
fsr-3906	1	20	yuhb	yuhb	PROPN
fsr-3906	1	21	,	,	PUNCT
fsr-3906	1	22	sherman	sherman	PROPN
fsr-3906	1	23	hannac	hannac	PROPN
fsr-3906	1	24	aassistant	aassistant	PROPN
fsr-3906	1	25	professor	professor	PROPN
fsr-3906	1	26	consumer	consumer	NOUN
fsr-3906	1	27	and	and	CCONJ
fsr-3906	1	28	textile	textile	NOUN
fsr-3906	1	29	sciences	sciences	PROPN
fsr-3906	1	30	department	department	PROPN
fsr-3906	1	31	,	,	PUNCT
fsr-3906	1	32	the	the	DET
fsr-3906	1	33	ohio	ohio	PROPN
fsr-3906	1	34	state	state	PROPN
fsr-3906	1	35	university	university	PROPN
fsr-3906	1	36	,	,	PUNCT
fsr-3906	1	37	1787	1787	NUM
fsr-3906	1	38	neil	neil	PROPN
fsr-3906	1	39	avenue	avenue	PROPN
fsr-3906	1	40	,	,	PUNCT
fsr-3906	1	41	columbus	columbus	PROPN
fsr-3906	1	42	,	,	PUNCT
fsr-3906	1	43	oh	oh	INTJ
fsr-3906	1	44	43210	43210	NUM
fsr-3906	1	45	-	-	SYM
fsr-3906	1	46	1295	1295	NUM
fsr-3906	1	47	,	,	PUNCT
fsr-3906	1	48	usa	usa	PROPN
fsr-3906	1	49	blecturer	blecturer	NOUN
fsr-3906	1	50	in	in	ADP
fsr-3906	1	51	consumer	consumer	NOUN
fsr-3906	1	52	sciences	science	NOUN
fsr-3906	1	53	,	,	PUNCT
fsr-3906	1	54	203	203	NUM
fsr-3906	1	55	-	-	PUNCT
fsr-3906	1	56	dong	dong	NOUN
fsr-3906	1	57	1403	1403	NUM
fsr-3906	1	58	-	-	PUNCT
fsr-3906	1	59	ho	ho	PROPN
fsr-3906	1	60	,	,	PUNCT
fsr-3906	1	61	hyundai	hyundai	PROPN
fsr-3906	1	62	apartment	apartment	NOUN
fsr-3906	1	63	,	,	PUNCT
fsr-3906	1	64	dowha	dowha	NOUN
fsr-3906	1	65	-	-	PUNCT
fsr-3906	1	66	dong	dong	NOUN
fsr-3906	1	67	,	,	PUNCT
fsr-3906	1	68	mapo	mapo	PROPN
fsr-3906	1	69	-	-	PUNCT
fsr-3906	1	70	ku	ku	PROPN
fsr-3906	1	71	,	,	PUNCT
fsr-3906	1	72	seoul	seoul	PROPN
fsr-3906	1	73	korea	korea	PROPN
fsr-3906	1	74	cprofessor	cprofessor	NOUN
fsr-3906	1	75	,	,	PUNCT
fsr-3906	1	76	consumer	consumer	NOUN
fsr-3906	1	77	and	and	CCONJ
fsr-3906	1	78	textile	textile	NOUN
fsr-3906	1	79	sciences	sciences	PROPN
fsr-3906	1	80	department	department	PROPN
fsr-3906	1	81	,	,	PUNCT
fsr-3906	1	82	the	the	DET
fsr-3906	1	83	ohio	ohio	PROPN
fsr-3906	1	84	state	state	PROPN
fsr-3906	1	85	university	university	PROPN
fsr-3906	1	86	,	,	PUNCT
fsr-3906	1	87	1787	1787	NUM
fsr-3906	1	88	neil	neil	PROPN
fsr-3906	1	89	avenue	avenue	PROPN
fsr-3906	1	90	,	,	PUNCT
fsr-3906	1	91	columbus	columbus	PROPN
fsr-3906	1	92	,	,	PUNCT
fsr-3906	1	93	oh	oh	INTJ
fsr-3906	1	94	43210	43210	NUM
fsr-3906	1	95	-	-	SYM
fsr-3906	1	96	1295	1295	NUM
fsr-3906	1	97	,	,	PUNCT
fsr-3906	1	98	usa	usa	PROPN
fsr-3906	1	99	abstract	abstract	ADJ
fsr-3906	1	100	determinants	determinant	NOUN
fsr-3906	1	101	of	of	ADP
fsr-3906	1	102	planned	plan	VERB
fsr-3906	1	103	retirement	retirement	NOUN
fsr-3906	1	104	age	age	NOUN
fsr-3906	1	105	are	be	AUX
fsr-3906	1	106	analyzed	analyze	VERB
fsr-3906	1	107	.	.	PUNCT
fsr-3906	2	1	the	the	DET
fsr-3906	2	2	prediction	prediction	NOUN
fsr-3906	2	3	equation	equation	NOUN
fsr-3906	2	4	indicates	indicate	VERB
fsr-3906	2	5	that	that	SCONJ
fsr-3906	2	6	planned	plan	VERB
fsr-3906	2	7	retirement	retirement	NOUN
fsr-3906	2	8	age	age	NOUN
fsr-3906	2	9	increases	increase	VERB
fsr-3906	2	10	substantially	substantially	ADV
fsr-3906	2	11	as	as	SCONJ
fsr-3906	2	12	people	people	NOUN
fsr-3906	2	13	get	get	VERB
fsr-3906	2	14	older	old	ADJ
fsr-3906	2	15	,	,	PUNCT
fsr-3906	2	16	and	and	CCONJ
fsr-3906	2	17	increases	increase	VERB
fsr-3906	2	18	somewhat	somewhat	ADV
fsr-3906	2	19	with	with	ADP
fsr-3906	2	20	higher	high	ADJ
fsr-3906	2	21	noninvestment	noninvestment	ADJ
fsr-3906	2	22	income	income	NOUN
fsr-3906	2	23	.	.	PUNCT
fsr-3906	3	1	social	social	ADJ
fsr-3906	3	2	security	security	NOUN
fsr-3906	3	3	reform	reform	NOUN
fsr-3906	3	4	should	should	AUX
fsr-3906	3	5	recognize	recognize	VERB
fsr-3906	3	6	that	that	SCONJ
fsr-3906	3	7	the	the	DET
fsr-3906	3	8	capacity	capacity	NOUN
fsr-3906	3	9	to	to	PART
fsr-3906	3	10	continue	continue	VERB
fsr-3906	3	11	working	work	VERB
fsr-3906	3	12	and	and	CCONJ
fsr-3906	3	13	the	the	DET
fsr-3906	3	14	ability	ability	NOUN
fsr-3906	3	15	to	to	PART
fsr-3906	3	16	afford	afford	VERB
fsr-3906	3	17	to	to	PART
fsr-3906	3	18	retire	retire	VERB
fsr-3906	3	19	both	both	DET
fsr-3906	3	20	influence	influence	NOUN
fsr-3906	3	21	the	the	DET
fsr-3906	3	22	age	age	NOUN
fsr-3906	3	23	at	at	ADP
fsr-3906	3	24	which	which	PRON
fsr-3906	3	25	people	people	NOUN
fsr-3906	3	26	plan	plan	VERB
fsr-3906	3	27	to	to	PART
fsr-3906	3	28	retire	retire	VERB
fsr-3906	3	29	.	.	PUNCT
fsr-3906	4	1	the	the	DET
fsr-3906	4	2	range	range	NOUN
fsr-3906	4	3	of	of	ADP
fsr-3906	4	4	planned	plan	VERB
fsr-3906	4	5	retirement	retirement	NOUN
fsr-3906	4	6	ages	age	NOUN
fsr-3906	4	7	suggests	suggest	VERB
fsr-3906	4	8	that	that	SCONJ
fsr-3906	4	9	research	research	NOUN
fsr-3906	4	10	on	on	ADP
fsr-3906	4	11	the	the	DET
fsr-3906	4	12	adequacy	adequacy	NOUN
fsr-3906	4	13	of	of	ADP
fsr-3906	4	14	retirement	retirement	NOUN
fsr-3906	4	15	preparation	preparation	NOUN
fsr-3906	4	16	should	should	AUX
fsr-3906	4	17	focus	focus	VERB
fsr-3906	4	18	on	on	ADP
fsr-3906	4	19	planned	plan	VERB
fsr-3906	4	20	retirement	retirement	NOUN
fsr-3906	4	21	age	age	NOUN
fsr-3906	4	22	.	.	PUNCT
fsr-3906	5	1	financial	financial	ADJ
fsr-3906	5	2	planners	planner	NOUN
fsr-3906	5	3	should	should	AUX
fsr-3906	5	4	consider	consider	VERB
fsr-3906	5	5	the	the	DET
fsr-3906	5	6	finding	finding	NOUN
fsr-3906	5	7	that	that	PRON
fsr-3906	5	8	planned	plan	VERB
fsr-3906	5	9	retirement	retirement	NOUN
fsr-3906	5	10	age	age	NOUN
fsr-3906	5	11	increases	increase	VERB
fsr-3906	5	12	with	with	ADP
fsr-3906	5	13	age	age	NOUN
fsr-3906	5	14	.	.	PUNCT
fsr-3906	6	1	©	©	PROPN
fsr-3906	6	2	2000	2000	NUM
fsr-3906	6	3	elsevier	elsevier	PROPN
fsr-3906	6	4	science	science	PROPN
fsr-3906	6	5	inc	inc	PROPN
fsr-3906	6	6	.	.	PUNCT
fsr-3906	7	1	all	all	DET
fsr-3906	7	2	rights	right	NOUN
fsr-3906	7	3	reserved	reserve	VERB
fsr-3906	7	4	.	.	PUNCT
fsr-3906	8	1	jel	jel	PROPN
fsr-3906	8	2	classification	classification	NOUN
fsr-3906	8	3	:	:	PUNCT
fsr-3906	8	4	d12	d12	PROPN
fsr-3906	8	5	;	;	PUNCT
fsr-3906	8	6	j26	j26	ADJ
fsr-3906	8	7	keywords	keyword	NOUN
fsr-3906	8	8	:	:	PUNCT
fsr-3906	8	9	planned	plan	VERB
fsr-3906	8	10	retirement	retirement	NOUN
fsr-3906	8	11	age	age	NOUN
fsr-3906	8	12	;	;	PUNCT
fsr-3906	8	13	retirement	retirement	NOUN
fsr-3906	8	14	adequacy	adequacy	NOUN
fsr-3906	8	15	1	1	NUM
fsr-3906	8	16	.	.	PUNCT
fsr-3906	8	17	introduction	introduction	NOUN
fsr-3906	8	18	the	the	DET
fsr-3906	8	19	financial	financial	ADJ
fsr-3906	8	20	viability	viability	NOUN
fsr-3906	8	21	of	of	ADP
fsr-3906	8	22	the	the	DET
fsr-3906	8	23	social	social	ADJ
fsr-3906	8	24	security	security	NOUN
fsr-3906	8	25	program	program	NOUN
fsr-3906	8	26	in	in	ADP
fsr-3906	8	27	the	the	DET
fsr-3906	8	28	united	united	PROPN
fsr-3906	8	29	states	states	PROPN
fsr-3906	8	30	is	be	AUX
fsr-3906	8	31	being	be	AUX
fsr-3906	8	32	debated	debate	VERB
fsr-3906	8	33	in	in	ADP
fsr-3906	8	34	response	response	NOUN
fsr-3906	8	35	to	to	ADP
fsr-3906	8	36	the	the	DET
fsr-3906	8	37	aging	aging	NOUN
fsr-3906	8	38	of	of	ADP
fsr-3906	8	39	the	the	DET
fsr-3906	8	40	population	population	NOUN
fsr-3906	8	41	.	.	PUNCT
fsr-3906	9	1	the	the	DET
fsr-3906	9	2	percentage	percentage	NOUN
fsr-3906	9	3	of	of	ADP
fsr-3906	9	4	the	the	DET
fsr-3906	9	5	u.s	u.s	PROPN
fsr-3906	9	6	.	.	PROPN
fsr-3906	9	7	population	population	NOUN
fsr-3906	9	8	made	make	VERB
fsr-3906	9	9	up	up	ADP
fsr-3906	9	10	of	of	ADP
fsr-3906	9	11	persons	person	NOUN
fsr-3906	9	12	65	65	NUM
fsr-3906	9	13	years	year	NOUN
fsr-3906	9	14	of	of	ADP
fsr-3906	9	15	age	age	NOUN
fsr-3906	9	16	and	and	CCONJ
fsr-3906	9	17	over	over	ADV
fsr-3906	9	18	is	be	AUX
fsr-3906	9	19	15	15	NUM
fsr-3906	9	20	%	%	NOUN
fsr-3906	9	21	today	today	NOUN
fsr-3906	9	22	and	and	CCONJ
fsr-3906	9	23	is	be	AUX
fsr-3906	9	24	projected	project	VERB
fsr-3906	9	25	to	to	PART
fsr-3906	9	26	increase	increase	VERB
fsr-3906	9	27	to	to	ADP
fsr-3906	9	28	20	20	NUM
fsr-3906	9	29	%	%	NOUN
fsr-3906	9	30	over	over	ADP
fsr-3906	9	31	the	the	DET
fsr-3906	9	32	next	next	ADJ
fsr-3906	9	33	30	30	NUM
fsr-3906	9	34	years	year	NOUN
fsr-3906	9	35	(	(	PUNCT
fsr-3906	9	36	u.s	u.s	PROPN
fsr-3906	9	37	.	.	PROPN
fsr-3906	9	38	bureau	bureau	PROPN
fsr-3906	9	39	of	of	ADP
fsr-3906	9	40	the	the	DET
fsr-3906	9	41	census	census	NOUN
fsr-3906	9	42	,	,	PUNCT
fsr-3906	9	43	1998	1998	NUM
fsr-3906	9	44	)	)	PUNCT
fsr-3906	9	45	.	.	PUNCT
fsr-3906	10	1	the	the	DET
fsr-3906	10	2	demographic	demographic	ADJ
fsr-3906	10	3	pressures	pressure	NOUN
fsr-3906	10	4	of	of	ADP
fsr-3906	10	5	*	*	PUNCT
fsr-3906	10	6	corresponding	correspond	VERB
fsr-3906	10	7	author	author	NOUN
fsr-3906	10	8	.	.	PUNCT
fsr-3906	11	1	tel.:11	tel.:11	PROPN
fsr-3906	11	2	-	-	PUNCT
fsr-3906	11	3	614	614	NUM
fsr-3906	11	4	-	-	PUNCT
fsr-3906	11	5	292	292	NUM
fsr-3906	11	6	-	-	SYM
fsr-3906	11	7	4571	4571	NUM
fsr-3906	11	8	;	;	PUNCT
fsr-3906	11	9	fax:11	fax:11	NOUN
fsr-3906	11	10	-	-	PUNCT
fsr-3906	11	11	614	614	NUM
fsr-3906	11	12	-	-	PUNCT
fsr-3906	11	13	688	688	NUM
fsr-3906	11	14	-	-	PUNCT
fsr-3906	11	15	8133	8133	NUM
fsr-3906	11	16	.	.	PUNCT
fsr-3906	12	1	e	e	X
fsr-3906	12	2	-	-	NOUN
fsr-3906	12	3	mail	mail	NOUN
fsr-3906	12	4	address:montalto.2@osu.edu	address:montalto.2@osu.edu	PROPN
fsr-3906	12	5	(	(	PUNCT
fsr-3906	12	6	c.p	c.p	PROPN
fsr-3906	12	7	.	.	PROPN
fsr-3906	12	8	montalto	montalto	PROPN
fsr-3906	12	9	)	)	PUNCT
fsr-3906	12	10	.	.	PUNCT
fsr-3906	13	1	financial	financial	ADJ
fsr-3906	13	2	services	service	NOUN
fsr-3906	13	3	review	review	VERB
fsr-3906	13	4	9	9	NUM
fsr-3906	13	5	(	(	PUNCT
fsr-3906	13	6	2000	2000	NUM
fsr-3906	13	7	)	)	PUNCT
fsr-3906	13	8	1–15	1–15	PROPN
fsr-3906	13	9	1057	1057	NUM
fsr-3906	13	10	-	-	SYM
fsr-3906	13	11	0810/00/$	0810/00/$	NUM
fsr-3906	13	12	–	–	PUNCT
fsr-3906	13	13	see	see	VERB
fsr-3906	13	14	front	front	ADJ
fsr-3906	13	15	matter	matter	NOUN
fsr-3906	14	1	©	©	PROPN
fsr-3906	14	2	2000	2000	NUM
fsr-3906	14	3	elsevier	elsevier	PROPN
fsr-3906	14	4	science	science	PROPN
fsr-3906	14	5	inc	inc	PROPN
fsr-3906	14	6	.	.	PUNCT
fsr-3906	15	1	all	all	DET
fsr-3906	15	2	rights	right	NOUN
fsr-3906	15	3	reserved	reserve	VERB
fsr-3906	15	4	.	.	PUNCT
fsr-3906	16	1	pii	pii	NOUN
fsr-3906	16	2	:	:	PUNCT
fsr-3906	16	3	s1057	s1057	NOUN
fsr-3906	16	4	-	-	PUNCT
fsr-3906	16	5	0810(00)00052	0810(00)00052	NOUN
fsr-3906	16	6	-	-	PUNCT
fsr-3906	16	7	4	4	NUM
fsr-3906	16	8	population	population	NOUN
fsr-3906	16	9	aging	aging	NOUN
fsr-3906	16	10	will	will	AUX
fsr-3906	16	11	require	require	VERB
fsr-3906	16	12	forward	forward	ADV
fsr-3906	16	13	-	-	PUNCT
fsr-3906	16	14	looking	look	VERB
fsr-3906	16	15	action	action	NOUN
fsr-3906	16	16	from	from	ADP
fsr-3906	16	17	policy	policy	NOUN
fsr-3906	16	18	makers	maker	NOUN
fsr-3906	16	19	to	to	PART
fsr-3906	16	20	preserve	preserve	VERB
fsr-3906	16	21	the	the	DET
fsr-3906	16	22	financial	financial	ADJ
fsr-3906	16	23	viability	viability	NOUN
fsr-3906	16	24	of	of	ADP
fsr-3906	16	25	the	the	DET
fsr-3906	16	26	social	social	ADJ
fsr-3906	16	27	security	security	NOUN
fsr-3906	16	28	program	program	NOUN
fsr-3906	16	29	.	.	PUNCT
fsr-3906	17	1	one	one	NUM
fsr-3906	17	2	proposed	propose	VERB
fsr-3906	17	3	change	change	NOUN
fsr-3906	17	4	is	be	AUX
fsr-3906	17	5	to	to	PART
fsr-3906	17	6	raise	raise	VERB
fsr-3906	17	7	the	the	DET
fsr-3906	17	8	age	age	NOUN
fsr-3906	17	9	of	of	ADP
fsr-3906	17	10	eligibility	eligibility	NOUN
fsr-3906	17	11	for	for	ADP
fsr-3906	17	12	full	full	ADJ
fsr-3906	17	13	retirement	retirement	NOUN
fsr-3906	17	14	benefits	benefit	NOUN
fsr-3906	17	15	further	far	ADV
fsr-3906	17	16	or	or	CCONJ
fsr-3906	17	17	more	more	ADV
fsr-3906	17	18	rapidly	rapidly	ADV
fsr-3906	17	19	than	than	ADP
fsr-3906	17	20	the	the	DET
fsr-3906	17	21	currently	currently	ADV
fsr-3906	17	22	planned	plan	VERB
fsr-3906	17	23	gradual	gradual	ADJ
fsr-3906	17	24	increase	increase	NOUN
fsr-3906	17	25	from	from	ADP
fsr-3906	17	26	65	65	NUM
fsr-3906	17	27	to	to	PART
fsr-3906	17	28	67	67	NUM
fsr-3906	17	29	over	over	ADP
fsr-3906	17	30	the	the	DET
fsr-3906	17	31	next	next	ADJ
fsr-3906	17	32	25	25	NUM
fsr-3906	17	33	years	year	NOUN
fsr-3906	17	34	.	.	PUNCT
fsr-3906	18	1	proposals	proposal	NOUN
fsr-3906	18	2	have	have	AUX
fsr-3906	18	3	also	also	ADV
fsr-3906	18	4	been	be	AUX
fsr-3906	18	5	made	make	VERB
fsr-3906	18	6	to	to	PART
fsr-3906	18	7	increase	increase	VERB
fsr-3906	18	8	the	the	DET
fsr-3906	18	9	early	early	ADJ
fsr-3906	18	10	retirement	retirement	NOUN
fsr-3906	18	11	age	age	NOUN
fsr-3906	18	12	from	from	ADP
fsr-3906	18	13	age	age	NOUN
fsr-3906	18	14	62	62	NUM
fsr-3906	18	15	to	to	ADP
fsr-3906	18	16	age	age	NOUN
fsr-3906	18	17	65	65	NUM
fsr-3906	18	18	(	(	PUNCT
fsr-3906	18	19	mitchell	mitchell	PROPN
fsr-3906	18	20	&	&	CCONJ
fsr-3906	18	21	quinn	quinn	PROPN
fsr-3906	18	22	,	,	PUNCT
fsr-3906	18	23	1995	1995	NUM
fsr-3906	18	24	)	)	PUNCT
fsr-3906	18	25	.	.	PUNCT
fsr-3906	19	1	the	the	DET
fsr-3906	19	2	rationale	rationale	NOUN
fsr-3906	19	3	for	for	ADP
fsr-3906	19	4	increasing	increase	VERB
fsr-3906	19	5	retirement	retirement	NOUN
fsr-3906	19	6	age	age	NOUN
fsr-3906	19	7	is	be	AUX
fsr-3906	19	8	to	to	PART
fsr-3906	19	9	reduce	reduce	VERB
fsr-3906	19	10	the	the	DET
fsr-3906	19	11	long	long	ADJ
fsr-3906	19	12	-	-	PUNCT
fsr-3906	19	13	term	term	NOUN
fsr-3906	19	14	deficit	deficit	NOUN
fsr-3906	19	15	in	in	ADP
fsr-3906	19	16	the	the	DET
fsr-3906	19	17	social	social	ADJ
fsr-3906	19	18	security	security	NOUN
fsr-3906	19	19	trust	trust	NOUN
fsr-3906	19	20	fund	fund	NOUN
fsr-3906	19	21	.	.	PUNCT
fsr-3906	20	1	increasing	increase	VERB
fsr-3906	20	2	retirement	retirement	NOUN
fsr-3906	20	3	age	age	NOUN
fsr-3906	20	4	would	would	AUX
fsr-3906	20	5	increase	increase	VERB
fsr-3906	20	6	the	the	DET
fsr-3906	20	7	number	number	NOUN
fsr-3906	20	8	of	of	ADP
fsr-3906	20	9	years	year	NOUN
fsr-3906	20	10	a	a	DET
fsr-3906	20	11	worker	worker	NOUN
fsr-3906	20	12	spends	spend	VERB
fsr-3906	20	13	in	in	ADP
fsr-3906	20	14	the	the	DET
fsr-3906	20	15	workforce	workforce	NOUN
fsr-3906	20	16	thereby	thereby	ADV
fsr-3906	20	17	increasing	increase	VERB
fsr-3906	20	18	the	the	DET
fsr-3906	20	19	amount	amount	NOUN
fsr-3906	20	20	the	the	DET
fsr-3906	20	21	worker	worker	NOUN
fsr-3906	20	22	contributes	contribute	VERB
fsr-3906	20	23	to	to	ADP
fsr-3906	20	24	the	the	DET
fsr-3906	20	25	trust	trust	NOUN
fsr-3906	20	26	fund	fund	NOUN
fsr-3906	20	27	.	.	PUNCT
fsr-3906	21	1	additionally	additionally	ADV
fsr-3906	21	2	,	,	PUNCT
fsr-3906	21	3	increasing	increase	VERB
fsr-3906	21	4	the	the	DET
fsr-3906	21	5	retirement	retirement	NOUN
fsr-3906	21	6	age	age	NOUN
fsr-3906	21	7	would	would	AUX
fsr-3906	21	8	decrease	decrease	VERB
fsr-3906	21	9	the	the	DET
fsr-3906	21	10	number	number	NOUN
fsr-3906	21	11	of	of	ADP
fsr-3906	21	12	years	year	NOUN
fsr-3906	21	13	a	a	DET
fsr-3906	21	14	retiree	retiree	NOUN
fsr-3906	21	15	spends	spend	VERB
fsr-3906	21	16	in	in	ADP
fsr-3906	21	17	retirement	retirement	NOUN
fsr-3906	21	18	thereby	thereby	ADV
fsr-3906	21	19	reducing	reduce	VERB
fsr-3906	21	20	the	the	DET
fsr-3906	21	21	benefits	benefit	NOUN
fsr-3906	21	22	drawn	draw	VERB
fsr-3906	21	23	out	out	ADP
fsr-3906	21	24	.	.	PUNCT
fsr-3906	22	1	the	the	DET
fsr-3906	22	2	primary	primary	ADJ
fsr-3906	22	3	justification	justification	NOUN
fsr-3906	22	4	given	give	VERB
fsr-3906	22	5	for	for	ADP
fsr-3906	22	6	increasing	increase	VERB
fsr-3906	22	7	the	the	DET
fsr-3906	22	8	retirement	retirement	NOUN
fsr-3906	22	9	age	age	NOUN
fsr-3906	22	10	is	be	AUX
fsr-3906	22	11	the	the	DET
fsr-3906	22	12	longer	long	ADJ
fsr-3906	22	13	life	life	NOUN
fsr-3906	22	14	expectancy	expectancy	NOUN
fsr-3906	22	15	and	and	CCONJ
fsr-3906	22	16	improved	improve	VERB
fsr-3906	22	17	health	health	NOUN
fsr-3906	22	18	of	of	ADP
fsr-3906	22	19	the	the	DET
fsr-3906	22	20	nation	nation	NOUN
fsr-3906	22	21	’s	’s	PART
fsr-3906	22	22	elderly	elderly	ADJ
fsr-3906	22	23	.	.	PUNCT
fsr-3906	23	1	raising	raise	VERB
fsr-3906	23	2	the	the	DET
fsr-3906	23	3	retirement	retirement	NOUN
fsr-3906	23	4	age	age	NOUN
fsr-3906	23	5	may	may	AUX
fsr-3906	23	6	improve	improve	VERB
fsr-3906	23	7	the	the	DET
fsr-3906	23	8	financial	financial	ADJ
fsr-3906	23	9	solvency	solvency	NOUN
fsr-3906	23	10	of	of	ADP
fsr-3906	23	11	the	the	DET
fsr-3906	23	12	social	social	ADJ
fsr-3906	23	13	security	security	NOUN
fsr-3906	23	14	system	system	NOUN
fsr-3906	23	15	,	,	PUNCT
fsr-3906	23	16	but	but	CCONJ
fsr-3906	23	17	it	it	PRON
fsr-3906	23	18	will	will	AUX
fsr-3906	23	19	also	also	ADV
fsr-3906	23	20	affect	affect	VERB
fsr-3906	23	21	the	the	DET
fsr-3906	23	22	economic	economic	ADJ
fsr-3906	23	23	well	well	NOUN
fsr-3906	23	24	-	-	PUNCT
fsr-3906	23	25	being	being	NOUN
fsr-3906	23	26	of	of	ADP
fsr-3906	23	27	individuals	individual	NOUN
fsr-3906	23	28	.	.	PUNCT
fsr-3906	24	1	implications	implication	NOUN
fsr-3906	24	2	for	for	ADP
fsr-3906	24	3	individual	individual	ADJ
fsr-3906	24	4	well	well	ADV
fsr-3906	24	5	-	-	PUNCT
fsr-3906	24	6	being	being	NOUN
fsr-3906	24	7	depend	depend	VERB
fsr-3906	24	8	on	on	ADP
fsr-3906	24	9	the	the	DET
fsr-3906	24	10	importance	importance	NOUN
fsr-3906	24	11	of	of	ADP
fsr-3906	24	12	social	social	ADJ
fsr-3906	24	13	security	security	NOUN
fsr-3906	24	14	income	income	NOUN
fsr-3906	24	15	,	,	PUNCT
fsr-3906	24	16	the	the	DET
fsr-3906	24	17	impact	impact	NOUN
fsr-3906	24	18	of	of	ADP
fsr-3906	24	19	delayed	delay	VERB
fsr-3906	24	20	receipt	receipt	NOUN
fsr-3906	24	21	of	of	ADP
fsr-3906	24	22	social	social	ADJ
fsr-3906	24	23	security	security	NOUN
fsr-3906	24	24	income	income	NOUN
fsr-3906	24	25	,	,	PUNCT
fsr-3906	24	26	the	the	DET
fsr-3906	24	27	ability	ability	NOUN
fsr-3906	24	28	to	to	PART
fsr-3906	24	29	continue	continue	VERB
fsr-3906	24	30	working	work	VERB
fsr-3906	24	31	to	to	ADP
fsr-3906	24	32	the	the	DET
fsr-3906	24	33	age	age	NOUN
fsr-3906	24	34	of	of	ADP
fsr-3906	24	35	eligibility	eligibility	NOUN
fsr-3906	24	36	,	,	PUNCT
fsr-3906	24	37	and	and	CCONJ
fsr-3906	24	38	individual	individual	ADJ
fsr-3906	24	39	preferences	preference	NOUN
fsr-3906	24	40	related	relate	VERB
fsr-3906	24	41	to	to	ADP
fsr-3906	24	42	retirement	retirement	NOUN
fsr-3906	24	43	age	age	NOUN
fsr-3906	24	44	.	.	PUNCT
fsr-3906	25	1	additionally	additionally	ADV
fsr-3906	25	2	,	,	PUNCT
fsr-3906	25	3	raising	raise	VERB
fsr-3906	25	4	the	the	DET
fsr-3906	25	5	age	age	NOUN
fsr-3906	25	6	of	of	ADP
fsr-3906	25	7	eligibility	eligibility	NOUN
fsr-3906	25	8	for	for	ADP
fsr-3906	25	9	social	social	ADJ
fsr-3906	25	10	security	security	NOUN
fsr-3906	25	11	benefits	benefit	NOUN
fsr-3906	25	12	has	have	VERB
fsr-3906	25	13	possible	possible	ADJ
fsr-3906	25	14	spill	spill	NOUN
fsr-3906	25	15	-	-	PUNCT
fsr-3906	25	16	over	over	ADP
fsr-3906	25	17	effects	effect	NOUN
fsr-3906	25	18	to	to	ADP
fsr-3906	25	19	other	other	ADJ
fsr-3906	25	20	government	government	NOUN
fsr-3906	25	21	programs	program	NOUN
fsr-3906	25	22	,	,	PUNCT
fsr-3906	25	23	such	such	ADJ
fsr-3906	25	24	as	as	ADP
fsr-3906	25	25	supplemental	supplemental	ADJ
fsr-3906	25	26	security	security	NOUN
fsr-3906	25	27	income	income	NOUN
fsr-3906	25	28	and	and	CCONJ
fsr-3906	25	29	disability	disability	NOUN
fsr-3906	25	30	insurance	insurance	NOUN
fsr-3906	25	31	(	(	PUNCT
fsr-3906	25	32	bovbjerg	bovbjerg	PROPN
fsr-3906	25	33	,	,	PUNCT
fsr-3906	25	34	1998	1998	NUM
fsr-3906	25	35	)	)	PUNCT
fsr-3906	25	36	.	.	PUNCT
fsr-3906	26	1	previous	previous	ADJ
fsr-3906	26	2	research	research	NOUN
fsr-3906	26	3	documents	document	NOUN
fsr-3906	26	4	that	that	PRON
fsr-3906	26	5	a	a	DET
fsr-3906	26	6	worker	worker	NOUN
fsr-3906	26	7	’s	’s	PART
fsr-3906	26	8	decision	decision	NOUN
fsr-3906	26	9	to	to	PART
fsr-3906	26	10	retire	retire	VERB
fsr-3906	26	11	is	be	AUX
fsr-3906	26	12	influenced	influence	VERB
fsr-3906	26	13	by	by	ADP
fsr-3906	26	14	rules	rule	NOUN
fsr-3906	26	15	governing	govern	VERB
fsr-3906	26	16	pensions	pension	NOUN
fsr-3906	26	17	and	and	CCONJ
fsr-3906	26	18	social	social	ADJ
fsr-3906	26	19	security	security	NOUN
fsr-3906	26	20	benefits	benefit	NOUN
fsr-3906	26	21	,	,	PUNCT
fsr-3906	26	22	wealth	wealth	NOUN
fsr-3906	26	23	,	,	PUNCT
fsr-3906	26	24	characteristics	characteristic	NOUN
fsr-3906	26	25	of	of	ADP
fsr-3906	26	26	jobs	job	NOUN
fsr-3906	26	27	held	hold	VERB
fsr-3906	26	28	by	by	ADP
fsr-3906	26	29	elderly	elderly	ADJ
fsr-3906	26	30	workers	worker	NOUN
fsr-3906	26	31	,	,	PUNCT
fsr-3906	26	32	health	health	NOUN
fsr-3906	26	33	insurance	insurance	NOUN
fsr-3906	26	34	coverage	coverage	NOUN
fsr-3906	26	35	,	,	PUNCT
fsr-3906	26	36	and	and	CCONJ
fsr-3906	26	37	social	social	ADJ
fsr-3906	26	38	norms	norm	NOUN
fsr-3906	26	39	(	(	PUNCT
fsr-3906	26	40	fields	field	NOUN
fsr-3906	26	41	&	&	CCONJ
fsr-3906	26	42	mitchell	mitchell	PROPN
fsr-3906	26	43	,	,	PUNCT
fsr-3906	26	44	1984	1984	NUM
fsr-3906	26	45	;	;	PUNCT
fsr-3906	26	46	hurd	hurd	NOUN
fsr-3906	26	47	,	,	PUNCT
fsr-3906	26	48	1997	1997	NUM
fsr-3906	26	49	)	)	PUNCT
fsr-3906	26	50	.	.	PUNCT
fsr-3906	27	1	during	during	ADP
fsr-3906	27	2	this	this	DET
fsr-3906	27	3	century	century	NOUN
fsr-3906	27	4	,	,	PUNCT
fsr-3906	27	5	social	social	ADJ
fsr-3906	27	6	norms	norm	NOUN
fsr-3906	27	7	and	and	CCONJ
fsr-3906	27	8	enacted	enact	VERB
fsr-3906	27	9	legislation	legislation	NOUN
fsr-3906	27	10	have	have	AUX
fsr-3906	27	11	resulted	result	VERB
fsr-3906	27	12	in	in	ADP
fsr-3906	27	13	retirement	retirement	NOUN
fsr-3906	27	14	at	at	ADP
fsr-3906	27	15	earlier	early	ADJ
fsr-3906	27	16	ages	age	NOUN
fsr-3906	27	17	.	.	PUNCT
fsr-3906	28	1	labor	labor	NOUN
fsr-3906	28	2	force	force	NOUN
fsr-3906	28	3	participation	participation	NOUN
fsr-3906	28	4	rates	rate	NOUN
fsr-3906	28	5	of	of	ADP
fsr-3906	28	6	older	old	ADJ
fsr-3906	28	7	males	male	NOUN
fsr-3906	28	8	declined	decline	VERB
fsr-3906	28	9	throughout	throughout	ADP
fsr-3906	28	10	most	most	ADJ
fsr-3906	28	11	of	of	ADP
fsr-3906	28	12	this	this	DET
fsr-3906	28	13	century	century	NOUN
fsr-3906	28	14	,	,	PUNCT
fsr-3906	28	15	and	and	CCONJ
fsr-3906	28	16	then	then	ADV
fsr-3906	28	17	stabilized	stabilize	VERB
fsr-3906	28	18	in	in	ADP
fsr-3906	28	19	the	the	DET
fsr-3906	28	20	mid-1980s	mid-1980	NOUN
fsr-3906	28	21	.	.	PUNCT
fsr-3906	29	1	today	today	NOUN
fsr-3906	29	2	,	,	PUNCT
fsr-3906	29	3	older	old	ADJ
fsr-3906	29	4	men	man	NOUN
fsr-3906	29	5	(	(	PUNCT
fsr-3906	29	6	55	55	NUM
fsr-3906	29	7	to	to	PART
fsr-3906	29	8	64	64	NUM
fsr-3906	29	9	years	year	NOUN
fsr-3906	29	10	of	of	ADP
fsr-3906	29	11	age	age	NOUN
fsr-3906	29	12	)	)	PUNCT
fsr-3906	29	13	frequently	frequently	ADV
fsr-3906	29	14	leave	leave	VERB
fsr-3906	29	15	full	full	ADJ
fsr-3906	29	16	-	-	PUNCT
fsr-3906	29	17	time	time	NOUN
fsr-3906	29	18	career	career	NOUN
fsr-3906	29	19	jobs	job	NOUN
fsr-3906	29	20	,	,	PUNCT
fsr-3906	29	21	but	but	CCONJ
fsr-3906	29	22	continue	continue	VERB
fsr-3906	29	23	working	work	VERB
fsr-3906	29	24	part	part	ADJ
fsr-3906	29	25	-	-	PUNCT
fsr-3906	29	26	time	time	NOUN
fsr-3906	29	27	or	or	CCONJ
fsr-3906	29	28	part	part	NOUN
fsr-3906	29	29	-	-	PUNCT
fsr-3906	29	30	year	year	NOUN
fsr-3906	29	31	rather	rather	ADV
fsr-3906	29	32	than	than	ADP
fsr-3906	29	33	completely	completely	ADV
fsr-3906	29	34	withdrawing	withdraw	VERB
fsr-3906	29	35	from	from	ADP
fsr-3906	29	36	the	the	DET
fsr-3906	29	37	labor	labor	NOUN
fsr-3906	29	38	force	force	NOUN
fsr-3906	29	39	(	(	PUNCT
fsr-3906	29	40	employee	employee	NOUN
fsr-3906	29	41	benefit	benefit	NOUN
fsr-3906	29	42	research	research	PROPN
fsr-3906	29	43	institute	institute	NOUN
fsr-3906	29	44	,	,	PUNCT
fsr-3906	29	45	1999	1999	NUM
fsr-3906	29	46	)	)	PUNCT
fsr-3906	29	47	.	.	PUNCT
fsr-3906	30	1	although	although	SCONJ
fsr-3906	30	2	age	age	NOUN
fsr-3906	30	3	65	65	NUM
fsr-3906	30	4	is	be	AUX
fsr-3906	30	5	currently	currently	ADV
fsr-3906	30	6	the	the	DET
fsr-3906	30	7	age	age	NOUN
fsr-3906	30	8	of	of	ADP
fsr-3906	30	9	eligibility	eligibility	NOUN
fsr-3906	30	10	for	for	ADP
fsr-3906	30	11	full	full	ADJ
fsr-3906	30	12	retirement	retirement	NOUN
fsr-3906	30	13	benefits	benefit	NOUN
fsr-3906	30	14	under	under	ADP
fsr-3906	30	15	the	the	DET
fsr-3906	30	16	social	social	ADJ
fsr-3906	30	17	security	security	NOUN
fsr-3906	30	18	program	program	NOUN
fsr-3906	30	19	,	,	PUNCT
fsr-3906	30	20	everyone	everyone	PRON
fsr-3906	30	21	does	do	AUX
fsr-3906	30	22	not	not	PART
fsr-3906	30	23	plan	plan	VERB
fsr-3906	30	24	to	to	PART
fsr-3906	30	25	retire	retire	VERB
fsr-3906	30	26	at	at	ADP
fsr-3906	30	27	age	age	NOUN
fsr-3906	30	28	65	65	NUM
fsr-3906	30	29	.	.	PUNCT
fsr-3906	31	1	the	the	DET
fsr-3906	31	2	range	range	NOUN
fsr-3906	31	3	of	of	ADP
fsr-3906	31	4	planned	plan	VERB
fsr-3906	31	5	retirement	retirement	NOUN
fsr-3906	31	6	ages	age	NOUN
fsr-3906	31	7	is	be	AUX
fsr-3906	31	8	quite	quite	ADV
fsr-3906	31	9	large	large	ADJ
fsr-3906	31	10	.	.	PUNCT
fsr-3906	32	1	five	five	NUM
fsr-3906	32	2	percent	percent	NOUN
fsr-3906	32	3	of	of	ADP
fsr-3906	32	4	today	today	NOUN
fsr-3906	32	5	’s	’s	PART
fsr-3906	32	6	workers	worker	NOUN
fsr-3906	32	7	plan	plan	VERB
fsr-3906	32	8	to	to	PART
fsr-3906	32	9	retire	retire	VERB
fsr-3906	32	10	before	before	ADP
fsr-3906	32	11	age	age	NOUN
fsr-3906	32	12	55	55	NUM
fsr-3906	32	13	,	,	PUNCT
fsr-3906	32	14	while	while	SCONJ
fsr-3906	32	15	22	22	NUM
fsr-3906	32	16	percent	percent	NOUN
fsr-3906	32	17	plan	plan	NOUN
fsr-3906	32	18	to	to	PART
fsr-3906	32	19	stay	stay	VERB
fsr-3906	32	20	in	in	ADP
fsr-3906	32	21	the	the	DET
fsr-3906	32	22	labor	labor	NOUN
fsr-3906	32	23	force	force	NOUN
fsr-3906	32	24	until	until	ADP
fsr-3906	32	25	at	at	ADP
fsr-3906	32	26	least	least	ADJ
fsr-3906	32	27	age	age	NOUN
fsr-3906	32	28	66	66	NUM
fsr-3906	32	29	(	(	PUNCT
fsr-3906	32	30	retirement	retirement	NOUN
fsr-3906	32	31	confidence	confidence	NOUN
fsr-3906	32	32	survey	survey	NOUN
fsr-3906	32	33	,	,	PUNCT
fsr-3906	32	34	1999	1999	NUM
fsr-3906	32	35	)	)	PUNCT
fsr-3906	32	36	.	.	PUNCT
fsr-3906	33	1	despite	despite	SCONJ
fsr-3906	33	2	evidence	evidence	NOUN
fsr-3906	33	3	of	of	ADP
fsr-3906	33	4	variation	variation	NOUN
fsr-3906	33	5	in	in	ADP
fsr-3906	33	6	the	the	DET
fsr-3906	33	7	age	age	NOUN
fsr-3906	33	8	at	at	ADP
fsr-3906	33	9	which	which	PRON
fsr-3906	33	10	individuals	individual	NOUN
fsr-3906	33	11	plan	plan	VERB
fsr-3906	33	12	to	to	PART
fsr-3906	33	13	retire	retire	VERB
fsr-3906	33	14	,	,	PUNCT
fsr-3906	33	15	some	some	DET
fsr-3906	33	16	recent	recent	ADJ
fsr-3906	33	17	studies	study	NOUN
fsr-3906	33	18	(	(	PUNCT
fsr-3906	33	19	mitchell	mitchell	PROPN
fsr-3906	33	20	&	&	CCONJ
fsr-3906	33	21	moore	moore	PROPN
fsr-3906	33	22	,	,	PUNCT
fsr-3906	33	23	1997	1997	NUM
fsr-3906	33	24	;	;	PUNCT
fsr-3906	33	25	bernheim	bernheim	NOUN
fsr-3906	33	26	,	,	PUNCT
fsr-3906	33	27	1996	1996	NUM
fsr-3906	33	28	)	)	PUNCT
fsr-3906	33	29	evaluating	evaluate	VERB
fsr-3906	33	30	retirement	retirement	NOUN
fsr-3906	33	31	wealth	wealth	NOUN
fsr-3906	33	32	adequacy	adequacy	NOUN
fsr-3906	33	33	of	of	ADP
fsr-3906	33	34	preretirees	preretiree	NOUN
fsr-3906	33	35	assume	assume	VERB
fsr-3906	33	36	age	age	NOUN
fsr-3906	33	37	65	65	NUM
fsr-3906	33	38	as	as	ADP
fsr-3906	33	39	the	the	DET
fsr-3906	33	40	retirement	retirement	NOUN
fsr-3906	33	41	age	age	NOUN
fsr-3906	33	42	.	.	PUNCT
fsr-3906	34	1	the	the	DET
fsr-3906	34	2	standardized	standardized	ADJ
fsr-3906	34	3	assumption	assumption	NOUN
fsr-3906	34	4	of	of	ADP
fsr-3906	34	5	retirement	retirement	NOUN
fsr-3906	34	6	at	at	ADP
fsr-3906	34	7	age	age	NOUN
fsr-3906	34	8	65	65	NUM
fsr-3906	34	9	without	without	ADP
fsr-3906	34	10	allowing	allow	VERB
fsr-3906	34	11	for	for	ADP
fsr-3906	34	12	individual	individual	ADJ
fsr-3906	34	13	differences	difference	NOUN
fsr-3906	34	14	can	can	AUX
fsr-3906	34	15	result	result	VERB
fsr-3906	34	16	in	in	ADP
fsr-3906	34	17	significant	significant	ADJ
fsr-3906	34	18	overestimation	overestimation	NOUN
fsr-3906	34	19	or	or	CCONJ
fsr-3906	34	20	underestimation	underestimation	NOUN
fsr-3906	34	21	of	of	ADP
fsr-3906	34	22	the	the	DET
fsr-3906	34	23	adequacy	adequacy	NOUN
fsr-3906	34	24	of	of	ADP
fsr-3906	34	25	retirement	retirement	NOUN
fsr-3906	34	26	wealth	wealth	NOUN
fsr-3906	34	27	.	.	PUNCT
fsr-3906	35	1	clearly	clearly	ADV
fsr-3906	35	2	,	,	PUNCT
fsr-3906	35	3	assumptions	assumption	NOUN
fsr-3906	35	4	made	make	VERB
fsr-3906	35	5	about	about	ADP
fsr-3906	35	6	planned	plan	VERB
fsr-3906	35	7	retirement	retirement	NOUN
fsr-3906	35	8	age	age	NOUN
fsr-3906	35	9	are	be	AUX
fsr-3906	35	10	critical	critical	ADJ
fsr-3906	35	11	in	in	ADP
fsr-3906	35	12	determining	determine	VERB
fsr-3906	35	13	whether	whether	SCONJ
fsr-3906	35	14	people	people	NOUN
fsr-3906	35	15	have	have	AUX
fsr-3906	35	16	saved	save	VERB
fsr-3906	35	17	‘	'	PUNCT
fsr-3906	35	18	enough	enough	ADJ
fsr-3906	35	19	’	'	PUNCT
fsr-3906	35	20	for	for	ADP
fsr-3906	35	21	retirement	retirement	NOUN
fsr-3906	35	22	.	.	PUNCT
fsr-3906	36	1	yuh	yuh	PROPN
fsr-3906	36	2	,	,	PUNCT
fsr-3906	36	3	montalto	montalto	PROPN
fsr-3906	36	4	,	,	PUNCT
fsr-3906	36	5	and	and	CCONJ
fsr-3906	36	6	hanna	hanna	PROPN
fsr-3906	36	7	(	(	PUNCT
fsr-3906	36	8	1998	1998	NUM
fsr-3906	36	9	)	)	PUNCT
fsr-3906	36	10	and	and	CCONJ
fsr-3906	36	11	yuh	yuh	PROPN
fsr-3906	36	12	,	,	PUNCT
fsr-3906	36	13	hanna	hanna	PROPN
fsr-3906	36	14	,	,	PUNCT
fsr-3906	36	15	and	and	CCONJ
fsr-3906	36	16	montalto	montalto	PROPN
fsr-3906	36	17	(	(	PUNCT
fsr-3906	36	18	1998	1998	NUM
fsr-3906	36	19	)	)	PUNCT
fsr-3906	36	20	find	find	VERB
fsr-3906	36	21	that	that	SCONJ
fsr-3906	36	22	planned	plan	VERB
fsr-3906	36	23	retirement	retirement	NOUN
fsr-3906	36	24	age	age	NOUN
fsr-3906	36	25	has	have	VERB
fsr-3906	36	26	a	a	DET
fsr-3906	36	27	substantial	substantial	ADJ
fsr-3906	36	28	impact	impact	NOUN
fsr-3906	36	29	on	on	ADP
fsr-3906	36	30	the	the	DET
fsr-3906	36	31	estimated	estimate	VERB
fsr-3906	36	32	adequacy	adequacy	NOUN
fsr-3906	36	33	of	of	ADP
fsr-3906	36	34	preparation	preparation	NOUN
fsr-3906	36	35	for	for	ADP
fsr-3906	36	36	retirement	retirement	NOUN
fsr-3906	36	37	.	.	PUNCT
fsr-3906	37	1	even	even	ADV
fsr-3906	37	2	though	though	SCONJ
fsr-3906	37	3	about	about	ADV
fsr-3906	37	4	75	75	NUM
fsr-3906	37	5	%	%	NOUN
fsr-3906	37	6	of	of	ADP
fsr-3906	37	7	workers	worker	NOUN
fsr-3906	37	8	elect	elect	VERB
fsr-3906	37	9	to	to	PART
fsr-3906	37	10	retire	retire	VERB
fsr-3906	37	11	before	before	ADP
fsr-3906	37	12	age	age	NOUN
fsr-3906	37	13	65	65	NUM
fsr-3906	37	14	,	,	PUNCT
fsr-3906	37	15	there	there	PRON
fsr-3906	37	16	are	be	VERB
fsr-3906	37	17	proposals	proposal	NOUN
fsr-3906	37	18	to	to	PART
fsr-3906	37	19	increase	increase	VERB
fsr-3906	37	20	the	the	DET
fsr-3906	37	21	minimum	minimum	ADJ
fsr-3906	37	22	age	age	NOUN
fsr-3906	37	23	to	to	PART
fsr-3906	37	24	receive	receive	VERB
fsr-3906	37	25	any	any	DET
fsr-3906	37	26	social	social	ADJ
fsr-3906	37	27	security	security	NOUN
fsr-3906	37	28	retirement	retirement	NOUN
fsr-3906	37	29	pension	pension	NOUN
fsr-3906	37	30	(	(	PUNCT
fsr-3906	37	31	apfel	apfel	PROPN
fsr-3906	37	32	,	,	PUNCT
fsr-3906	37	33	1998	1998	NUM
fsr-3906	37	34	)	)	PUNCT
fsr-3906	37	35	.	.	PUNCT
fsr-3906	38	1	therefore	therefore	ADV
fsr-3906	38	2	,	,	PUNCT
fsr-3906	38	3	it	it	PRON
fsr-3906	38	4	is	be	AUX
fsr-3906	38	5	worthwhile	worthwhile	ADJ
fsr-3906	38	6	to	to	PART
fsr-3906	38	7	study	study	VERB
fsr-3906	38	8	factors	factor	NOUN
fsr-3906	38	9	related	relate	VERB
fsr-3906	38	10	to	to	ADP
fsr-3906	38	11	planned	plan	VERB
fsr-3906	38	12	retirement	retirement	NOUN
fsr-3906	38	13	age	age	NOUN
fsr-3906	38	14	to	to	PART
fsr-3906	38	15	see	see	VERB
fsr-3906	38	16	which	which	DET
fsr-3906	38	17	types	type	NOUN
fsr-3906	38	18	of	of	ADP
fsr-3906	38	19	workers	worker	NOUN
fsr-3906	38	20	would	would	AUX
fsr-3906	38	21	be	be	AUX
fsr-3906	38	22	impacted	impact	VERB
fsr-3906	38	23	most	most	ADV
fsr-3906	38	24	by	by	ADP
fsr-3906	38	25	increases	increase	NOUN
fsr-3906	38	26	in	in	ADP
fsr-3906	38	27	the	the	DET
fsr-3906	38	28	minimum	minimum	ADJ
fsr-3906	38	29	age	age	NOUN
fsr-3906	38	30	for	for	ADP
fsr-3906	38	31	2	2	NUM
fsr-3906	38	32	c.p	c.p	PROPN
fsr-3906	38	33	.	.	PROPN
fsr-3906	38	34	montalto	montalto	PROPN
fsr-3906	38	35	et	et	PROPN
fsr-3906	38	36	al	al	PROPN
fsr-3906	38	37	.	.	PUNCT
fsr-3906	38	38	/	/	SYM
fsr-3906	38	39	financial	financial	ADJ
fsr-3906	38	40	services	service	NOUN
fsr-3906	38	41	review	review	VERB
fsr-3906	38	42	9	9	NUM
fsr-3906	38	43	(	(	PUNCT
fsr-3906	38	44	2000	2000	NUM
fsr-3906	38	45	)	)	PUNCT
fsr-3906	38	46	1–15	1–15	NOUN
fsr-3906	38	47	receiving	receive	VERB
fsr-3906	38	48	social	social	ADJ
fsr-3906	38	49	security	security	NOUN
fsr-3906	38	50	benefits	benefit	NOUN
fsr-3906	38	51	.	.	PUNCT
fsr-3906	39	1	additionally	additionally	ADV
fsr-3906	39	2	,	,	PUNCT
fsr-3906	39	3	planned	plan	VERB
fsr-3906	39	4	retirement	retirement	NOUN
fsr-3906	39	5	age	age	NOUN
fsr-3906	39	6	is	be	AUX
fsr-3906	39	7	an	an	DET
fsr-3906	39	8	important	important	ADJ
fsr-3906	39	9	variable	variable	NOUN
fsr-3906	39	10	in	in	ADP
fsr-3906	39	11	developing	develop	VERB
fsr-3906	39	12	rational	rational	ADJ
fsr-3906	39	13	savings	saving	NOUN
fsr-3906	39	14	plans	plan	NOUN
fsr-3906	39	15	for	for	ADP
fsr-3906	39	16	retirement	retirement	NOUN
fsr-3906	39	17	,	,	PUNCT
fsr-3906	39	18	so	so	ADV
fsr-3906	39	19	improving	improve	VERB
fsr-3906	39	20	understanding	understanding	NOUN
fsr-3906	39	21	of	of	ADP
fsr-3906	39	22	planned	plan	VERB
fsr-3906	39	23	retirement	retirement	NOUN
fsr-3906	39	24	age	age	NOUN
fsr-3906	39	25	has	have	VERB
fsr-3906	39	26	implications	implication	NOUN
fsr-3906	39	27	for	for	ADP
fsr-3906	39	28	financial	financial	ADJ
fsr-3906	39	29	planning	planning	NOUN
fsr-3906	39	30	.	.	PUNCT
fsr-3906	40	1	this	this	DET
fsr-3906	40	2	research	research	NOUN
fsr-3906	40	3	investigates	investigate	VERB
fsr-3906	40	4	the	the	DET
fsr-3906	40	5	determinants	determinant	NOUN
fsr-3906	40	6	of	of	ADP
fsr-3906	40	7	planned	plan	VERB
fsr-3906	40	8	retirement	retirement	NOUN
fsr-3906	40	9	age	age	NOUN
fsr-3906	40	10	.	.	PUNCT
fsr-3906	41	1	few	few	ADJ
fsr-3906	41	2	studies	study	NOUN
fsr-3906	41	3	have	have	AUX
fsr-3906	41	4	addressed	address	VERB
fsr-3906	41	5	this	this	DET
fsr-3906	41	6	issue	issue	NOUN
fsr-3906	41	7	directly	directly	ADV
fsr-3906	41	8	.	.	PUNCT
fsr-3906	42	1	although	although	SCONJ
fsr-3906	42	2	previous	previous	ADJ
fsr-3906	42	3	studies	study	NOUN
fsr-3906	42	4	on	on	ADP
fsr-3906	42	5	retirement	retirement	NOUN
fsr-3906	42	6	behavior	behavior	NOUN
fsr-3906	42	7	have	have	AUX
fsr-3906	42	8	analyzed	analyze	VERB
fsr-3906	42	9	the	the	DET
fsr-3906	42	10	observed	observed	ADJ
fsr-3906	42	11	age	age	NOUN
fsr-3906	42	12	of	of	ADP
fsr-3906	42	13	retirement	retirement	NOUN
fsr-3906	42	14	among	among	ADP
fsr-3906	42	15	retireesex	retireesex	NOUN
fsr-3906	42	16	-	-	PUNCT
fsr-3906	42	17	post	post	NOUN
fsr-3906	42	18	,	,	PUNCT
fsr-3906	42	19	little	little	ADJ
fsr-3906	42	20	research	research	NOUN
fsr-3906	42	21	has	have	AUX
fsr-3906	42	22	focused	focus	VERB
fsr-3906	42	23	on	on	ADP
fsr-3906	42	24	the	the	DET
fsr-3906	42	25	planned	plan	VERB
fsr-3906	42	26	retirement	retirement	NOUN
fsr-3906	42	27	age	age	NOUN
fsr-3906	42	28	of	of	ADP
fsr-3906	42	29	preretired	preretire	VERB
fsr-3906	42	30	workersex-ante.understanding	workersex-ante.understande	VERB
fsr-3906	42	31	the	the	DET
fsr-3906	42	32	determinants	determinant	NOUN
fsr-3906	42	33	of	of	ADP
fsr-3906	42	34	the	the	DET
fsr-3906	42	35	age	age	NOUN
fsr-3906	42	36	that	that	PRON
fsr-3906	42	37	current	current	ADJ
fsr-3906	42	38	workers	worker	NOUN
fsr-3906	42	39	plan	plan	VERB
fsr-3906	42	40	to	to	PART
fsr-3906	42	41	retire	retire	VERB
fsr-3906	42	42	is	be	AUX
fsr-3906	42	43	important	important	ADJ
fsr-3906	42	44	because	because	SCONJ
fsr-3906	42	45	the	the	DET
fsr-3906	42	46	planned	plan	VERB
fsr-3906	42	47	retirement	retirement	NOUN
fsr-3906	42	48	age	age	NOUN
fsr-3906	42	49	of	of	ADP
fsr-3906	42	50	preretirees	preretiree	NOUN
fsr-3906	42	51	is	be	AUX
fsr-3906	42	52	a	a	DET
fsr-3906	42	53	crucial	crucial	ADJ
fsr-3906	42	54	factor	factor	NOUN
fsr-3906	42	55	affecting	affect	VERB
fsr-3906	42	56	saving	saving	NOUN
fsr-3906	42	57	and	and	CCONJ
fsr-3906	42	58	investment	investment	NOUN
fsr-3906	42	59	decisions	decision	NOUN
fsr-3906	42	60	during	during	ADP
fsr-3906	42	61	the	the	DET
fsr-3906	42	62	working	working	NOUN
fsr-3906	42	63	years	year	NOUN
fsr-3906	42	64	.	.	PUNCT
fsr-3906	43	1	additionally	additionally	ADV
fsr-3906	43	2	,	,	PUNCT
fsr-3906	43	3	proposed	propose	VERB
fsr-3906	43	4	increases	increase	NOUN
fsr-3906	43	5	in	in	ADP
fsr-3906	43	6	the	the	DET
fsr-3906	43	7	minimum	minimum	ADJ
fsr-3906	43	8	age	age	NOUN
fsr-3906	43	9	for	for	ADP
fsr-3906	43	10	receiving	receive	VERB
fsr-3906	43	11	social	social	ADJ
fsr-3906	43	12	security	security	NOUN
fsr-3906	43	13	benefits	benefit	NOUN
fsr-3906	43	14	will	will	AUX
fsr-3906	43	15	have	have	VERB
fsr-3906	43	16	the	the	DET
fsr-3906	43	17	most	most	ADJ
fsr-3906	43	18	impact	impact	NOUN
fsr-3906	43	19	on	on	ADP
fsr-3906	43	20	workers	worker	NOUN
fsr-3906	43	21	that	that	PRON
fsr-3906	43	22	plan	plan	VERB
fsr-3906	43	23	to	to	PART
fsr-3906	43	24	retire	retire	VERB
fsr-3906	43	25	before	before	ADP
fsr-3906	43	26	the	the	DET
fsr-3906	43	27	minimum	minimum	ADJ
fsr-3906	43	28	age	age	NOUN
fsr-3906	43	29	.	.	PUNCT
fsr-3906	44	1	the	the	DET
fsr-3906	44	2	paper	paper	NOUN
fsr-3906	44	3	is	be	AUX
fsr-3906	44	4	organized	organize	VERB
fsr-3906	44	5	as	as	SCONJ
fsr-3906	44	6	follows	follow	VERB
fsr-3906	44	7	.	.	PUNCT
fsr-3906	45	1	section	section	NOUN
fsr-3906	45	2	2	2	NUM
fsr-3906	45	3	provides	provide	VERB
fsr-3906	45	4	a	a	DET
fsr-3906	45	5	review	review	NOUN
fsr-3906	45	6	of	of	ADP
fsr-3906	45	7	relevant	relevant	ADJ
fsr-3906	45	8	literature	literature	NOUN
fsr-3906	45	9	and	and	CCONJ
fsr-3906	45	10	presents	present	VERB
fsr-3906	45	11	the	the	DET
fsr-3906	45	12	conceptual	conceptual	ADJ
fsr-3906	45	13	framework	framework	NOUN
fsr-3906	45	14	underlying	underlie	VERB
fsr-3906	45	15	our	our	PRON
fsr-3906	45	16	estimation	estimation	NOUN
fsr-3906	45	17	of	of	ADP
fsr-3906	45	18	determinants	determinant	NOUN
fsr-3906	45	19	of	of	ADP
fsr-3906	45	20	planned	plan	VERB
fsr-3906	45	21	retirement	retirement	NOUN
fsr-3906	45	22	age	age	NOUN
fsr-3906	45	23	.	.	PUNCT
fsr-3906	46	1	the	the	DET
fsr-3906	46	2	methodology	methodology	NOUN
fsr-3906	46	3	is	be	AUX
fsr-3906	46	4	presented	present	VERB
fsr-3906	46	5	in	in	ADP
fsr-3906	46	6	section	section	NOUN
fsr-3906	46	7	3	3	NUM
fsr-3906	46	8	,	,	PUNCT
fsr-3906	46	9	and	and	CCONJ
fsr-3906	46	10	the	the	DET
fsr-3906	46	11	results	result	NOUN
fsr-3906	46	12	and	and	CCONJ
fsr-3906	46	13	discussion	discussion	NOUN
fsr-3906	46	14	are	be	AUX
fsr-3906	46	15	provided	provide	VERB
fsr-3906	46	16	in	in	ADP
fsr-3906	46	17	section	section	NOUN
fsr-3906	46	18	4	4	NUM
fsr-3906	46	19	.	.	PUNCT
fsr-3906	47	1	the	the	DET
fsr-3906	47	2	summary	summary	NOUN
fsr-3906	47	3	and	and	CCONJ
fsr-3906	47	4	policy	policy	NOUN
fsr-3906	47	5	implications	implication	NOUN
fsr-3906	47	6	are	be	AUX
fsr-3906	47	7	presented	present	VERB
fsr-3906	47	8	in	in	ADP
fsr-3906	47	9	section	section	NOUN
fsr-3906	47	10	5	5	NUM
fsr-3906	47	11	.	.	SYM
fsr-3906	47	12	2	2	NUM
fsr-3906	47	13	.	.	X
fsr-3906	47	14	literature	literature	NOUN
fsr-3906	47	15	review	review	NOUN
fsr-3906	47	16	there	there	PRON
fsr-3906	47	17	have	have	AUX
fsr-3906	47	18	been	be	AUX
fsr-3906	47	19	many	many	ADJ
fsr-3906	47	20	studies	study	NOUN
fsr-3906	47	21	on	on	ADP
fsr-3906	47	22	retirement	retirement	NOUN
fsr-3906	47	23	issues	issue	NOUN
fsr-3906	47	24	since	since	SCONJ
fsr-3906	47	25	the	the	DET
fsr-3906	47	26	1970s	1970	NOUN
fsr-3906	47	27	.	.	PUNCT
fsr-3906	48	1	typically	typically	ADV
fsr-3906	48	2	,	,	PUNCT
fsr-3906	48	3	actual	actual	ADJ
fsr-3906	48	4	retirement	retirement	NOUN
fsr-3906	48	5	has	have	AUX
fsr-3906	48	6	been	be	AUX
fsr-3906	48	7	treated	treat	VERB
fsr-3906	48	8	as	as	ADP
fsr-3906	48	9	a	a	DET
fsr-3906	48	10	choice	choice	NOUN
fsr-3906	48	11	variable	variable	NOUN
fsr-3906	48	12	in	in	ADP
fsr-3906	48	13	the	the	DET
fsr-3906	48	14	literature	literature	NOUN
fsr-3906	48	15	,	,	PUNCT
fsr-3906	48	16	and	and	CCONJ
fsr-3906	48	17	various	various	ADJ
fsr-3906	48	18	economic	economic	ADJ
fsr-3906	48	19	factors	factor	NOUN
fsr-3906	48	20	have	have	AUX
fsr-3906	48	21	been	be	AUX
fsr-3906	48	22	shown	show	VERB
fsr-3906	48	23	to	to	PART
fsr-3906	48	24	play	play	VERB
fsr-3906	48	25	an	an	DET
fsr-3906	48	26	important	important	ADJ
fsr-3906	48	27	role	role	NOUN
fsr-3906	48	28	in	in	ADP
fsr-3906	48	29	the	the	DET
fsr-3906	48	30	retirement	retirement	NOUN
fsr-3906	48	31	decision	decision	NOUN
fsr-3906	48	32	.	.	PUNCT
fsr-3906	49	1	2.1	2.1	NUM
fsr-3906	49	2	.	.	PUNCT
fsr-3906	50	1	related	relate	VERB
fsr-3906	50	2	empirical	empirical	ADJ
fsr-3906	50	3	research	research	NOUN
fsr-3906	50	4	boskin	boskin	NOUN
fsr-3906	50	5	(	(	PUNCT
fsr-3906	50	6	1977	1977	NUM
fsr-3906	50	7	)	)	PUNCT
fsr-3906	50	8	tries	try	VERB
fsr-3906	50	9	to	to	PART
fsr-3906	50	10	explain	explain	VERB
fsr-3906	50	11	the	the	DET
fsr-3906	50	12	long	long	ADJ
fsr-3906	50	13	-	-	PUNCT
fsr-3906	50	14	term	term	NOUN
fsr-3906	50	15	decline	decline	NOUN
fsr-3906	50	16	in	in	ADP
fsr-3906	50	17	the	the	DET
fsr-3906	50	18	labor	labor	NOUN
fsr-3906	50	19	-	-	PUNCT
fsr-3906	50	20	force	force	NOUN
fsr-3906	50	21	participation	participation	NOUN
fsr-3906	50	22	of	of	ADP
fsr-3906	50	23	all	all	DET
fsr-3906	50	24	male	male	ADJ
fsr-3906	50	25	age	age	NOUN
fsr-3906	50	26	-	-	PUNCT
fsr-3906	50	27	groups	group	NOUN
fsr-3906	50	28	.	.	PUNCT
fsr-3906	51	1	using	use	VERB
fsr-3906	51	2	data	datum	NOUN
fsr-3906	51	3	from	from	ADP
fsr-3906	51	4	the	the	DET
fsr-3906	51	5	panel	panel	NOUN
fsr-3906	51	6	study	study	NOUN
fsr-3906	51	7	of	of	ADP
fsr-3906	51	8	income	income	NOUN
fsr-3906	51	9	dynamics	dynamic	NOUN
fsr-3906	51	10	for	for	ADP
fsr-3906	51	11	1968	1968	NUM
fsr-3906	51	12	through	through	ADP
fsr-3906	51	13	1972	1972	NUM
fsr-3906	51	14	,	,	PUNCT
fsr-3906	51	15	he	he	PRON
fsr-3906	51	16	finds	find	VERB
fsr-3906	51	17	that	that	SCONJ
fsr-3906	51	18	the	the	DET
fsr-3906	51	19	value	value	NOUN
fsr-3906	51	20	of	of	ADP
fsr-3906	51	21	current	current	ADJ
fsr-3906	51	22	annual	annual	ADJ
fsr-3906	51	23	social	social	ADJ
fsr-3906	51	24	security	security	NOUN
fsr-3906	51	25	retirement	retirement	NOUN
fsr-3906	51	26	benefits	benefit	NOUN
fsr-3906	51	27	has	have	VERB
fsr-3906	51	28	a	a	DET
fsr-3906	51	29	pronounced	pronounced	ADJ
fsr-3906	51	30	effect	effect	NOUN
fsr-3906	51	31	on	on	ADP
fsr-3906	51	32	the	the	DET
fsr-3906	51	33	decision	decision	NOUN
fsr-3906	51	34	to	to	PART
fsr-3906	51	35	retire	retire	VERB
fsr-3906	51	36	.	.	PUNCT
fsr-3906	52	1	the	the	DET
fsr-3906	52	2	level	level	NOUN
fsr-3906	52	3	of	of	ADP
fsr-3906	52	4	net	net	ADJ
fsr-3906	52	5	earnings	earning	NOUN
fsr-3906	52	6	has	have	VERB
fsr-3906	52	7	a	a	DET
fsr-3906	52	8	strong	strong	ADJ
fsr-3906	52	9	negative	negative	ADJ
fsr-3906	52	10	effect	effect	NOUN
fsr-3906	52	11	on	on	ADP
fsr-3906	52	12	the	the	DET
fsr-3906	52	13	probability	probability	NOUN
fsr-3906	52	14	of	of	ADP
fsr-3906	52	15	retirement	retirement	NOUN
fsr-3906	52	16	.	.	PUNCT
fsr-3906	53	1	quinn	quinn	NOUN
fsr-3906	53	2	(	(	PUNCT
fsr-3906	53	3	1977	1977	NUM
fsr-3906	53	4	)	)	PUNCT
fsr-3906	53	5	examines	examine	VERB
fsr-3906	53	6	the	the	DET
fsr-3906	53	7	microeconomic	microeconomic	ADJ
fsr-3906	53	8	determinants	determinant	NOUN
fsr-3906	53	9	of	of	ADP
fsr-3906	53	10	early	early	ADJ
fsr-3906	53	11	retirement	retirement	NOUN
fsr-3906	53	12	among	among	ADP
fsr-3906	53	13	white	white	ADJ
fsr-3906	53	14	married	married	ADJ
fsr-3906	53	15	men	man	NOUN
fsr-3906	53	16	aged	age	VERB
fsr-3906	53	17	58–63	58–63	NUM
fsr-3906	53	18	using	use	VERB
fsr-3906	53	19	the	the	DET
fsr-3906	53	20	1969	1969	NUM
fsr-3906	53	21	retirement	retirement	NOUN
fsr-3906	53	22	history	history	NOUN
fsr-3906	53	23	study	study	NOUN
fsr-3906	53	24	.	.	PUNCT
fsr-3906	54	1	the	the	DET
fsr-3906	54	2	relative	relative	ADJ
fsr-3906	54	3	impact	impact	NOUN
fsr-3906	54	4	of	of	ADP
fsr-3906	54	5	three	three	NUM
fsr-3906	54	6	sets	set	NOUN
fsr-3906	54	7	of	of	ADP
fsr-3906	54	8	factors	factor	NOUN
fsr-3906	54	9	in	in	ADP
fsr-3906	54	10	explaining	explain	VERB
fsr-3906	54	11	older	old	ADJ
fsr-3906	54	12	men	man	NOUN
fsr-3906	54	13	’s	’s	PART
fsr-3906	54	14	labor	labor	NOUN
fsr-3906	54	15	-	-	PUNCT
fsr-3906	54	16	force	force	NOUN
fsr-3906	54	17	participation	participation	NOUN
fsr-3906	54	18	decisions	decision	NOUN
fsr-3906	54	19	are	be	AUX
fsr-3906	54	20	investigated	investigate	VERB
fsr-3906	54	21	:	:	PUNCT
fsr-3906	54	22	personal	personal	ADJ
fsr-3906	54	23	and	and	CCONJ
fsr-3906	54	24	financial	financial	ADJ
fsr-3906	54	25	characteristics	characteristic	NOUN
fsr-3906	54	26	,	,	PUNCT
fsr-3906	54	27	local	local	ADJ
fsr-3906	54	28	labor	labor	NOUN
fsr-3906	54	29	market	market	NOUN
fsr-3906	54	30	conditions	condition	NOUN
fsr-3906	54	31	,	,	PUNCT
fsr-3906	54	32	and	and	CCONJ
fsr-3906	54	33	certain	certain	ADJ
fsr-3906	54	34	attributes	attribute	NOUN
fsr-3906	54	35	of	of	ADP
fsr-3906	54	36	the	the	DET
fsr-3906	54	37	individual	individual	NOUN
fsr-3906	54	38	’s	’s	PART
fsr-3906	54	39	job	job	NOUN
fsr-3906	54	40	.	.	PUNCT
fsr-3906	55	1	quinn	quinn	PROPN
fsr-3906	55	2	finds	find	VERB
fsr-3906	55	3	that	that	SCONJ
fsr-3906	55	4	health	health	NOUN
fsr-3906	55	5	status	status	NOUN
fsr-3906	55	6	and	and	CCONJ
fsr-3906	55	7	current	current	ADJ
fsr-3906	55	8	eligibility	eligibility	NOUN
fsr-3906	55	9	for	for	ADP
fsr-3906	55	10	social	social	ADJ
fsr-3906	55	11	security	security	NOUN
fsr-3906	55	12	and	and	CCONJ
fsr-3906	55	13	other	other	ADJ
fsr-3906	55	14	pensions	pension	NOUN
fsr-3906	55	15	are	be	AUX
fsr-3906	55	16	the	the	DET
fsr-3906	55	17	most	most	ADV
fsr-3906	55	18	important	important	ADJ
fsr-3906	55	19	determinants	determinant	NOUN
fsr-3906	55	20	of	of	ADP
fsr-3906	55	21	retirement	retirement	NOUN
fsr-3906	55	22	,	,	PUNCT
fsr-3906	55	23	and	and	CCONJ
fsr-3906	55	24	that	that	SCONJ
fsr-3906	55	25	there	there	PRON
fsr-3906	55	26	is	be	VERB
fsr-3906	55	27	a	a	DET
fsr-3906	55	28	definite	definite	ADJ
fsr-3906	55	29	interaction	interaction	NOUN
fsr-3906	55	30	between	between	ADP
fsr-3906	55	31	the	the	DET
fsr-3906	55	32	two	two	NUM
fsr-3906	55	33	—	—	PUNCT
fsr-3906	55	34	persons	person	NOUN
fsr-3906	55	35	in	in	ADP
fsr-3906	55	36	poor	poor	ADJ
fsr-3906	55	37	health	health	NOUN
fsr-3906	55	38	are	be	AUX
fsr-3906	55	39	more	more	ADV
fsr-3906	55	40	likely	likely	ADJ
fsr-3906	55	41	to	to	PART
fsr-3906	55	42	retire	retire	VERB
fsr-3906	55	43	in	in	ADP
fsr-3906	55	44	response	response	NOUN
fsr-3906	55	45	to	to	ADP
fsr-3906	55	46	financial	financial	ADJ
fsr-3906	55	47	incentives	incentive	NOUN
fsr-3906	55	48	from	from	ADP
fsr-3906	55	49	social	social	ADJ
fsr-3906	55	50	security	security	NOUN
fsr-3906	55	51	and	and	CCONJ
fsr-3906	55	52	other	other	ADJ
fsr-3906	55	53	private	private	ADJ
fsr-3906	55	54	pensions	pension	NOUN
fsr-3906	55	55	.	.	PUNCT
fsr-3906	56	1	kotlikoff	kotlikoff	PROPN
fsr-3906	56	2	(	(	PUNCT
fsr-3906	56	3	1979	1979	NUM
fsr-3906	56	4	)	)	PUNCT
fsr-3906	56	5	estimates	estimate	VERB
fsr-3906	56	6	a	a	DET
fsr-3906	56	7	model	model	NOUN
fsr-3906	56	8	for	for	ADP
fsr-3906	56	9	expected	expect	VERB
fsr-3906	56	10	age	age	NOUN
fsr-3906	56	11	of	of	ADP
fsr-3906	56	12	retirement	retirement	NOUN
fsr-3906	56	13	using	use	VERB
fsr-3906	56	14	data	datum	NOUN
fsr-3906	56	15	from	from	ADP
fsr-3906	56	16	the	the	DET
fsr-3906	56	17	national	national	ADJ
fsr-3906	56	18	longitudinal	longitudinal	ADJ
fsr-3906	56	19	survey	survey	NOUN
fsr-3906	56	20	(	(	PUNCT
fsr-3906	56	21	nls	nls	NOUN
fsr-3906	56	22	)	)	PUNCT
fsr-3906	56	23	of	of	ADP
fsr-3906	56	24	older	old	ADJ
fsr-3906	56	25	men	man	NOUN
fsr-3906	56	26	.	.	PUNCT
fsr-3906	57	1	private	private	ADJ
fsr-3906	57	2	pension	pension	NOUN
fsr-3906	57	3	coverage	coverage	NOUN
fsr-3906	57	4	is	be	AUX
fsr-3906	57	5	an	an	DET
fsr-3906	57	6	important	important	ADJ
fsr-3906	57	7	predictor	predictor	NOUN
fsr-3906	57	8	of	of	ADP
fsr-3906	57	9	expected	expect	VERB
fsr-3906	57	10	retirement	retirement	NOUN
fsr-3906	57	11	age	age	NOUN
fsr-3906	57	12	.	.	PUNCT
fsr-3906	58	1	coverage	coverage	NOUN
fsr-3906	58	2	under	under	ADP
fsr-3906	58	3	a	a	DET
fsr-3906	58	4	private	private	ADJ
fsr-3906	58	5	pension	pension	NOUN
fsr-3906	58	6	plan	plan	NOUN
fsr-3906	58	7	is	be	AUX
fsr-3906	58	8	associated	associate	VERB
fsr-3906	58	9	with	with	ADP
fsr-3906	58	10	expected	expect	VERB
fsr-3906	58	11	retirement	retirement	NOUN
fsr-3906	58	12	1.2	1.2	NUM
fsr-3906	58	13	years	year	NOUN
fsr-3906	58	14	earlier	early	ADV
fsr-3906	58	15	;	;	PUNCT
fsr-3906	58	16	for	for	ADP
fsr-3906	58	17	government	government	NOUN
fsr-3906	58	18	pension	pension	NOUN
fsr-3906	58	19	coverage	coverage	NOUN
fsr-3906	58	20	the	the	DET
fsr-3906	58	21	impact	impact	NOUN
fsr-3906	58	22	is	be	AUX
fsr-3906	58	23	1.8	1.8	NUM
fsr-3906	58	24	3c.p	3c.p	NUM
fsr-3906	58	25	.	.	PUNCT
fsr-3906	59	1	montalto	montalto	PROPN
fsr-3906	59	2	et	et	PROPN
fsr-3906	59	3	al	al	PROPN
fsr-3906	59	4	.	.	PUNCT
fsr-3906	59	5	/	/	SYM
fsr-3906	59	6	financial	financial	ADJ
fsr-3906	59	7	services	service	NOUN
fsr-3906	59	8	review	review	VERB
fsr-3906	59	9	9	9	NUM
fsr-3906	59	10	(	(	PUNCT
fsr-3906	59	11	2000	2000	NUM
fsr-3906	59	12	)	)	PUNCT
fsr-3906	60	1	1–15	1–15	NUM
fsr-3906	60	2	years	year	NOUN
fsr-3906	60	3	.	.	PUNCT
fsr-3906	61	1	age	age	NOUN
fsr-3906	61	2	has	have	VERB
fsr-3906	61	3	a	a	DET
fsr-3906	61	4	positive	positive	ADJ
fsr-3906	61	5	and	and	CCONJ
fsr-3906	61	6	significant	significant	ADJ
fsr-3906	61	7	effect	effect	NOUN
fsr-3906	61	8	,	,	PUNCT
fsr-3906	61	9	and	and	CCONJ
fsr-3906	61	10	the	the	DET
fsr-3906	61	11	health	health	NOUN
fsr-3906	61	12	and	and	CCONJ
fsr-3906	61	13	employment	employment	NOUN
fsr-3906	61	14	attitudinal	attitudinal	ADJ
fsr-3906	61	15	variables	variable	NOUN
fsr-3906	61	16	all	all	ADV
fsr-3906	61	17	have	have	VERB
fsr-3906	61	18	the	the	DET
fsr-3906	61	19	anticipated	anticipate	VERB
fsr-3906	61	20	negative	negative	ADJ
fsr-3906	61	21	effects	effect	NOUN
fsr-3906	61	22	.	.	PUNCT
fsr-3906	62	1	diamond	diamond	NOUN
fsr-3906	62	2	and	and	CCONJ
fsr-3906	62	3	hausman	hausman	ADJ
fsr-3906	62	4	(	(	PUNCT
fsr-3906	62	5	1984	1984	NUM
fsr-3906	62	6	)	)	PUNCT
fsr-3906	62	7	examine	examine	VERB
fsr-3906	62	8	factors	factor	NOUN
fsr-3906	62	9	that	that	PRON
fsr-3906	62	10	affect	affect	VERB
fsr-3906	62	11	the	the	DET
fsr-3906	62	12	actual	actual	ADJ
fsr-3906	62	13	retirement	retirement	NOUN
fsr-3906	62	14	decision	decision	NOUN
fsr-3906	62	15	using	use	VERB
fsr-3906	62	16	the	the	DET
fsr-3906	62	17	national	national	ADJ
fsr-3906	62	18	longitudinal	longitudinal	ADJ
fsr-3906	62	19	survey	survey	NOUN
fsr-3906	62	20	of	of	ADP
fsr-3906	62	21	older	old	ADJ
fsr-3906	62	22	men	man	NOUN
fsr-3906	62	23	.	.	PUNCT
fsr-3906	63	1	the	the	DET
fsr-3906	63	2	presence	presence	NOUN
fsr-3906	63	3	of	of	ADP
fsr-3906	63	4	pensions	pension	NOUN
fsr-3906	63	5	and	and	CCONJ
fsr-3906	63	6	social	social	ADJ
fsr-3906	63	7	security	security	NOUN
fsr-3906	63	8	benefits	benefit	NOUN
fsr-3906	63	9	,	,	PUNCT
fsr-3906	63	10	the	the	DET
fsr-3906	63	11	level	level	NOUN
fsr-3906	63	12	of	of	ADP
fsr-3906	63	13	permanent	permanent	ADJ
fsr-3906	63	14	income	income	NOUN
fsr-3906	63	15	,	,	PUNCT
fsr-3906	63	16	and	and	CCONJ
fsr-3906	63	17	poor	poor	ADJ
fsr-3906	63	18	health	health	NOUN
fsr-3906	63	19	have	have	VERB
fsr-3906	63	20	strong	strong	ADJ
fsr-3906	63	21	,	,	PUNCT
fsr-3906	63	22	positive	positive	ADJ
fsr-3906	63	23	effects	effect	NOUN
fsr-3906	63	24	on	on	ADP
fsr-3906	63	25	the	the	DET
fsr-3906	63	26	probability	probability	NOUN
fsr-3906	63	27	of	of	ADP
fsr-3906	63	28	retirement	retirement	NOUN
fsr-3906	63	29	.	.	PUNCT
fsr-3906	64	1	they	they	PRON
fsr-3906	64	2	argue	argue	VERB
fsr-3906	64	3	that	that	SCONJ
fsr-3906	64	4	planned	plan	VERB
fsr-3906	64	5	retirement	retirement	NOUN
fsr-3906	64	6	dates	date	NOUN
fsr-3906	64	7	change	change	VERB
fsr-3906	64	8	over	over	ADP
fsr-3906	64	9	time	time	NOUN
fsr-3906	64	10	.	.	PUNCT
fsr-3906	65	1	in	in	ADP
fsr-3906	65	2	fact	fact	NOUN
fsr-3906	65	3	,	,	PUNCT
fsr-3906	65	4	while	while	SCONJ
fsr-3906	65	5	planned	plan	VERB
fsr-3906	65	6	retirement	retirement	NOUN
fsr-3906	65	7	age	age	NOUN
fsr-3906	65	8	has	have	VERB
fsr-3906	65	9	some	some	DET
fsr-3906	65	10	predictive	predictive	ADJ
fsr-3906	65	11	power	power	NOUN
fsr-3906	65	12	for	for	ADP
fsr-3906	65	13	actual	actual	ADJ
fsr-3906	65	14	retirement	retirement	NOUN
fsr-3906	65	15	age	age	NOUN
fsr-3906	65	16	,	,	PUNCT
fsr-3906	65	17	much	much	ADJ
fsr-3906	65	18	unexplained	unexplained	ADJ
fsr-3906	65	19	variance	variance	NOUN
fsr-3906	65	20	remains	remain	VERB
fsr-3906	65	21	.	.	PUNCT
fsr-3906	66	1	honig	honig	PROPN
fsr-3906	66	2	(	(	PUNCT
fsr-3906	66	3	1996	1996	NUM
fsr-3906	66	4	)	)	PUNCT
fsr-3906	66	5	uses	use	VERB
fsr-3906	66	6	data	datum	NOUN
fsr-3906	66	7	from	from	ADP
fsr-3906	66	8	the	the	DET
fsr-3906	66	9	first	first	ADJ
fsr-3906	66	10	wave	wave	NOUN
fsr-3906	66	11	of	of	ADP
fsr-3906	66	12	the	the	DET
fsr-3906	66	13	health	health	NOUN
fsr-3906	66	14	and	and	CCONJ
fsr-3906	66	15	retirement	retirement	NOUN
fsr-3906	66	16	survey	survey	NOUN
fsr-3906	66	17	and	and	CCONJ
fsr-3906	66	18	finds	find	VERB
fsr-3906	66	19	evidence	evidence	NOUN
fsr-3906	66	20	that	that	PRON
fsr-3906	66	21	expected	expect	VERB
fsr-3906	66	22	and	and	CCONJ
fsr-3906	66	23	observed	observed	ADJ
fsr-3906	66	24	retirement	retirement	NOUN
fsr-3906	66	25	functions	function	NOUN
fsr-3906	66	26	are	be	AUX
fsr-3906	66	27	similar	similar	ADJ
fsr-3906	66	28	.	.	PUNCT
fsr-3906	67	1	honig	honig	PROPN
fsr-3906	67	2	suggests	suggest	VERB
fsr-3906	67	3	that	that	SCONJ
fsr-3906	67	4	retirement	retirement	NOUN
fsr-3906	67	5	expectations	expectation	NOUN
fsr-3906	67	6	may	may	AUX
fsr-3906	67	7	accurately	accurately	ADV
fsr-3906	67	8	forecast	forecast	VERB
fsr-3906	67	9	retirement	retirement	NOUN
fsr-3906	67	10	behavior	behavior	NOUN
fsr-3906	67	11	.	.	PUNCT
fsr-3906	68	1	burtless	burtless	NOUN
fsr-3906	68	2	and	and	CCONJ
fsr-3906	68	3	moffitt	moffitt	PROPN
fsr-3906	68	4	(	(	PUNCT
fsr-3906	68	5	1985	1985	NUM
fsr-3906	68	6	)	)	PUNCT
fsr-3906	68	7	develop	develop	VERB
fsr-3906	68	8	and	and	CCONJ
fsr-3906	68	9	estimate	estimate	VERB
fsr-3906	68	10	a	a	DET
fsr-3906	68	11	model	model	NOUN
fsr-3906	68	12	of	of	ADP
fsr-3906	68	13	the	the	DET
fsr-3906	68	14	joint	joint	ADJ
fsr-3906	68	15	choice	choice	NOUN
fsr-3906	68	16	of	of	ADP
fsr-3906	68	17	retirement	retirement	NOUN
fsr-3906	68	18	age	age	NOUN
fsr-3906	68	19	and	and	CCONJ
fsr-3906	68	20	post	post	VERB
fsr-3906	68	21	retirement	retirement	NOUN
fsr-3906	68	22	hours	hour	NOUN
fsr-3906	68	23	of	of	ADP
fsr-3906	68	24	work	work	NOUN
fsr-3906	68	25	by	by	ADP
fsr-3906	68	26	the	the	DET
fsr-3906	68	27	aged	aged	ADJ
fsr-3906	68	28	population	population	NOUN
fsr-3906	68	29	using	use	VERB
fsr-3906	68	30	data	datum	NOUN
fsr-3906	68	31	from	from	ADP
fsr-3906	68	32	the	the	DET
fsr-3906	68	33	longitudinal	longitudinal	ADJ
fsr-3906	68	34	retirement	retirement	NOUN
fsr-3906	68	35	history	history	NOUN
fsr-3906	68	36	survey	survey	NOUN
fsr-3906	68	37	(	(	PUNCT
fsr-3906	68	38	lrhs	lrhs	PROPN
fsr-3906	68	39	)	)	PUNCT
fsr-3906	68	40	.	.	PUNCT
fsr-3906	69	1	they	they	PRON
fsr-3906	69	2	find	find	VERB
fsr-3906	69	3	that	that	SCONJ
fsr-3906	69	4	social	social	ADJ
fsr-3906	69	5	security	security	NOUN
fsr-3906	69	6	influences	influence	VERB
fsr-3906	69	7	both	both	DET
fsr-3906	69	8	retirement	retirement	NOUN
fsr-3906	69	9	age	age	NOUN
fsr-3906	69	10	and	and	CCONJ
fsr-3906	69	11	choice	choice	NOUN
fsr-3906	69	12	of	of	ADP
fsr-3906	69	13	post	post	ADJ
fsr-3906	69	14	retirement	retirement	NOUN
fsr-3906	69	15	hours	hour	NOUN
fsr-3906	69	16	of	of	ADP
fsr-3906	69	17	work	work	NOUN
fsr-3906	69	18	,	,	PUNCT
fsr-3906	69	19	but	but	CCONJ
fsr-3906	69	20	the	the	DET
fsr-3906	69	21	magnitude	magnitude	NOUN
fsr-3906	69	22	of	of	ADP
fsr-3906	69	23	the	the	DET
fsr-3906	69	24	effect	effect	NOUN
fsr-3906	69	25	on	on	ADP
fsr-3906	69	26	the	the	DET
fsr-3906	69	27	age	age	NOUN
fsr-3906	69	28	of	of	ADP
fsr-3906	69	29	retirement	retirement	NOUN
fsr-3906	69	30	is	be	AUX
fsr-3906	69	31	small	small	ADJ
fsr-3906	69	32	.	.	PUNCT
fsr-3906	70	1	they	they	PRON
fsr-3906	70	2	also	also	ADV
fsr-3906	70	3	find	find	VERB
fsr-3906	70	4	that	that	SCONJ
fsr-3906	70	5	an	an	DET
fsr-3906	70	6	earlier	early	ADJ
fsr-3906	70	7	retirement	retirement	NOUN
fsr-3906	70	8	age	age	NOUN
fsr-3906	70	9	is	be	AUX
fsr-3906	70	10	related	relate	VERB
fsr-3906	70	11	to	to	ADP
fsr-3906	70	12	poor	poor	ADJ
fsr-3906	70	13	health	health	NOUN
fsr-3906	70	14	,	,	PUNCT
fsr-3906	70	15	lower	low	ADJ
fsr-3906	70	16	levels	level	NOUN
fsr-3906	70	17	of	of	ADP
fsr-3906	70	18	education	education	NOUN
fsr-3906	70	19	,	,	PUNCT
fsr-3906	70	20	and	and	CCONJ
fsr-3906	70	21	higher	high	ADJ
fsr-3906	70	22	pre	pre	ADJ
fsr-3906	70	23	retirement	retirement	NOUN
fsr-3906	70	24	wage	wage	NOUN
fsr-3906	70	25	rates	rate	NOUN
fsr-3906	70	26	.	.	PUNCT
fsr-3906	71	1	burtless	burtless	NOUN
fsr-3906	71	2	(	(	PUNCT
fsr-3906	71	3	1986	1986	NUM
fsr-3906	71	4	)	)	PUNCT
fsr-3906	71	5	develops	develop	VERB
fsr-3906	71	6	a	a	DET
fsr-3906	71	7	retirement	retirement	NOUN
fsr-3906	71	8	age	age	NOUN
fsr-3906	71	9	model	model	NOUN
fsr-3906	71	10	and	and	CCONJ
fsr-3906	71	11	estimates	estimate	VERB
fsr-3906	71	12	the	the	DET
fsr-3906	71	13	model	model	NOUN
fsr-3906	71	14	using	use	VERB
fsr-3906	71	15	the	the	DET
fsr-3906	71	16	longitudinal	longitudinal	ADJ
fsr-3906	71	17	retirement	retirement	NOUN
fsr-3906	71	18	history	history	NOUN
fsr-3906	71	19	survey	survey	NOUN
fsr-3906	71	20	.	.	PUNCT
fsr-3906	72	1	poor	poor	ADJ
fsr-3906	72	2	health	health	NOUN
fsr-3906	72	3	,	,	PUNCT
fsr-3906	72	4	being	be	AUX
fsr-3906	72	5	married	marry	VERB
fsr-3906	72	6	,	,	PUNCT
fsr-3906	72	7	household	household	NOUN
fsr-3906	72	8	size	size	NOUN
fsr-3906	72	9	,	,	PUNCT
fsr-3906	72	10	and	and	CCONJ
fsr-3906	72	11	wealth	wealth	NOUN
fsr-3906	72	12	in	in	ADP
fsr-3906	72	13	excess	excess	NOUN
fsr-3906	72	14	of	of	ADP
fsr-3906	72	15	$	$	SYM
fsr-3906	72	16	25,000	25,000	NUM
fsr-3906	72	17	all	all	PRON
fsr-3906	72	18	reduced	reduce	VERB
fsr-3906	72	19	the	the	DET
fsr-3906	72	20	age	age	NOUN
fsr-3906	72	21	of	of	ADP
fsr-3906	72	22	retirement	retirement	NOUN
fsr-3906	72	23	.	.	PUNCT
fsr-3906	73	1	samwick	samwick	PROPN
fsr-3906	73	2	(	(	PUNCT
fsr-3906	73	3	1998	1998	NUM
fsr-3906	73	4	)	)	PUNCT
fsr-3906	73	5	investigates	investigate	VERB
fsr-3906	73	6	the	the	DET
fsr-3906	73	7	incentive	incentive	NOUN
fsr-3906	73	8	effects	effect	NOUN
fsr-3906	73	9	of	of	ADP
fsr-3906	73	10	social	social	ADJ
fsr-3906	73	11	security	security	NOUN
fsr-3906	73	12	and	and	CCONJ
fsr-3906	73	13	pension	pension	NOUN
fsr-3906	73	14	benefits	benefit	NOUN
fsr-3906	73	15	on	on	ADP
fsr-3906	73	16	retirement	retirement	NOUN
fsr-3906	73	17	using	use	VERB
fsr-3906	73	18	data	datum	NOUN
fsr-3906	73	19	from	from	ADP
fsr-3906	73	20	the	the	DET
fsr-3906	73	21	1983	1983	NUM
fsr-3906	73	22	survey	survey	NOUN
fsr-3906	73	23	of	of	ADP
fsr-3906	73	24	consumer	consumer	NOUN
fsr-3906	73	25	finances	finance	NOUN
fsr-3906	73	26	and	and	CCONJ
fsr-3906	73	27	the	the	DET
fsr-3906	73	28	corresponding	corresponding	ADJ
fsr-3906	73	29	pension	pension	NOUN
fsr-3906	73	30	provider	provider	NOUN
fsr-3906	73	31	survey	survey	NOUN
fsr-3906	73	32	.	.	PUNCT
fsr-3906	74	1	the	the	DET
fsr-3906	74	2	results	result	NOUN
fsr-3906	74	3	suggest	suggest	VERB
fsr-3906	74	4	that	that	SCONJ
fsr-3906	74	5	the	the	DET
fsr-3906	74	6	retirement	retirement	NOUN
fsr-3906	74	7	decision	decision	NOUN
fsr-3906	74	8	is	be	AUX
fsr-3906	74	9	much	much	ADV
fsr-3906	74	10	more	more	ADV
fsr-3906	74	11	sensitive	sensitive	ADJ
fsr-3906	74	12	to	to	ADP
fsr-3906	74	13	changes	change	NOUN
fsr-3906	74	14	in	in	ADP
fsr-3906	74	15	retirement	retirement	NOUN
fsr-3906	74	16	wealth	wealth	NOUN
fsr-3906	74	17	than	than	ADP
fsr-3906	74	18	to	to	ADP
fsr-3906	74	19	the	the	DET
fsr-3906	74	20	level	level	NOUN
fsr-3906	74	21	of	of	ADP
fsr-3906	74	22	retirement	retirement	NOUN
fsr-3906	74	23	wealth	wealth	NOUN
fsr-3906	74	24	.	.	PUNCT
fsr-3906	75	1	further	far	ADV
fsr-3906	75	2	,	,	PUNCT
fsr-3906	75	3	changes	change	NOUN
fsr-3906	75	4	in	in	ADP
fsr-3906	75	5	retirement	retirement	NOUN
fsr-3906	75	6	wealth	wealth	NOUN
fsr-3906	75	7	are	be	AUX
fsr-3906	75	8	primarily	primarily	ADV
fsr-3906	75	9	determined	determine	VERB
fsr-3906	75	10	by	by	ADP
fsr-3906	75	11	pensions	pension	NOUN
fsr-3906	75	12	,	,	PUNCT
fsr-3906	75	13	and	and	CCONJ
fsr-3906	75	14	not	not	PART
fsr-3906	75	15	social	social	ADJ
fsr-3906	75	16	security	security	NOUN
fsr-3906	75	17	.	.	PUNCT
fsr-3906	76	1	samwick	samwick	PROPN
fsr-3906	76	2	finds	find	VERB
fsr-3906	76	3	small	small	ADJ
fsr-3906	76	4	effects	effect	NOUN
fsr-3906	76	5	of	of	ADP
fsr-3906	76	6	social	social	ADJ
fsr-3906	76	7	security	security	NOUN
fsr-3906	76	8	on	on	ADP
fsr-3906	76	9	retirement	retirement	NOUN
fsr-3906	76	10	,	,	PUNCT
fsr-3906	76	11	and	and	CCONJ
fsr-3906	76	12	much	much	ADV
fsr-3906	76	13	more	more	ADV
fsr-3906	76	14	substantial	substantial	ADJ
fsr-3906	76	15	effects	effect	NOUN
fsr-3906	76	16	of	of	ADP
fsr-3906	76	17	pensions	pension	NOUN
fsr-3906	76	18	.	.	PUNCT
fsr-3906	77	1	uccello	uccello	PROPN
fsr-3906	77	2	(	(	PUNCT
fsr-3906	77	3	1998	1998	NUM
fsr-3906	77	4	)	)	PUNCT
fsr-3906	77	5	examines	examine	VERB
fsr-3906	77	6	the	the	DET
fsr-3906	77	7	relative	relative	ADJ
fsr-3906	77	8	importance	importance	NOUN
fsr-3906	77	9	of	of	ADP
fsr-3906	77	10	health	health	NOUN
fsr-3906	77	11	status	status	NOUN
fsr-3906	77	12	,	,	PUNCT
fsr-3906	77	13	income	income	NOUN
fsr-3906	77	14	,	,	PUNCT
fsr-3906	77	15	employment	employment	NOUN
fsr-3906	77	16	characteristics	characteristic	NOUN
fsr-3906	77	17	,	,	PUNCT
fsr-3906	77	18	and	and	CCONJ
fsr-3906	77	19	demographic	demographic	ADJ
fsr-3906	77	20	characteristics	characteristic	NOUN
fsr-3906	77	21	in	in	ADP
fsr-3906	77	22	the	the	DET
fsr-3906	77	23	decision	decision	NOUN
fsr-3906	77	24	to	to	PART
fsr-3906	77	25	retire	retire	VERB
fsr-3906	77	26	using	use	VERB
fsr-3906	77	27	data	datum	NOUN
fsr-3906	77	28	from	from	ADP
fsr-3906	77	29	the	the	DET
fsr-3906	77	30	1990	1990	NUM
fsr-3906	77	31	survey	survey	NOUN
fsr-3906	77	32	of	of	ADP
fsr-3906	77	33	income	income	NOUN
fsr-3906	77	34	and	and	CCONJ
fsr-3906	77	35	program	program	NOUN
fsr-3906	77	36	participation	participation	NOUN
fsr-3906	77	37	and	and	CCONJ
fsr-3906	77	38	the	the	DET
fsr-3906	77	39	1994	1994	NUM
fsr-3906	77	40	wave	wave	NOUN
fsr-3906	77	41	of	of	ADP
fsr-3906	77	42	the	the	DET
fsr-3906	77	43	health	health	NOUN
fsr-3906	77	44	and	and	CCONJ
fsr-3906	77	45	retirement	retirement	NOUN
fsr-3906	77	46	survey	survey	NOUN
fsr-3906	77	47	.	.	PUNCT
fsr-3906	78	1	simulations	simulation	NOUN
fsr-3906	78	2	reveal	reveal	VERB
fsr-3906	78	3	that	that	SCONJ
fsr-3906	78	4	health	health	NOUN
fsr-3906	78	5	insurance	insurance	NOUN
fsr-3906	78	6	coverage	coverage	NOUN
fsr-3906	78	7	solely	solely	ADV
fsr-3906	78	8	through	through	ADP
fsr-3906	78	9	one	one	NUM
fsr-3906	78	10	’s	’s	PART
fsr-3906	78	11	employer	employer	NOUN
fsr-3906	78	12	and	and	CCONJ
fsr-3906	78	13	presence	presence	NOUN
fsr-3906	78	14	of	of	ADP
fsr-3906	78	15	a	a	DET
fsr-3906	78	16	working	working	NOUN
fsr-3906	78	17	spouse	spouse	NOUN
fsr-3906	78	18	have	have	VERB
fsr-3906	78	19	the	the	DET
fsr-3906	78	20	largest	large	ADJ
fsr-3906	78	21	negative	negative	ADJ
fsr-3906	78	22	effects	effect	NOUN
fsr-3906	78	23	on	on	ADP
fsr-3906	78	24	the	the	DET
fsr-3906	78	25	expected	expect	VERB
fsr-3906	78	26	level	level	NOUN
fsr-3906	78	27	of	of	ADP
fsr-3906	78	28	retirement	retirement	NOUN
fsr-3906	78	29	.	.	PUNCT
fsr-3906	79	1	pension	pension	NOUN
fsr-3906	79	2	coverage	coverage	NOUN
fsr-3906	79	3	,	,	PUNCT
fsr-3906	79	4	employment	employment	NOUN
fsr-3906	79	5	in	in	ADP
fsr-3906	79	6	a	a	DET
fsr-3906	79	7	physically	physically	ADV
fsr-3906	79	8	demanding	demanding	ADJ
fsr-3906	79	9	occupation	occupation	NOUN
fsr-3906	79	10	,	,	PUNCT
fsr-3906	79	11	and	and	CCONJ
fsr-3906	80	1	being	be	AUX
fsr-3906	80	2	nonwhite	nonwhite	ADJ
fsr-3906	80	3	have	have	VERB
fsr-3906	80	4	the	the	DET
fsr-3906	80	5	largest	large	ADJ
fsr-3906	80	6	positive	positive	ADJ
fsr-3906	80	7	impact	impact	NOUN
fsr-3906	80	8	on	on	ADP
fsr-3906	80	9	the	the	DET
fsr-3906	80	10	expected	expect	VERB
fsr-3906	80	11	level	level	NOUN
fsr-3906	80	12	of	of	ADP
fsr-3906	80	13	retirement	retirement	NOUN
fsr-3906	80	14	.	.	PUNCT
fsr-3906	81	1	the	the	DET
fsr-3906	81	2	previous	previous	ADJ
fsr-3906	81	3	research	research	NOUN
fsr-3906	81	4	focuses	focus	VERB
fsr-3906	81	5	primarily	primarily	ADV
fsr-3906	81	6	onex	onex	NOUN
fsr-3906	81	7	-	-	PUNCT
fsr-3906	81	8	postanalyses	postanalyse	NOUN
fsr-3906	81	9	of	of	ADP
fsr-3906	81	10	the	the	DET
fsr-3906	81	11	observed	observe	VERB
fsr-3906	81	12	retirement	retirement	NOUN
fsr-3906	81	13	age	age	NOUN
fsr-3906	81	14	of	of	ADP
fsr-3906	81	15	retirees	retiree	NOUN
fsr-3906	81	16	using	use	VERB
fsr-3906	81	17	a	a	DET
fsr-3906	81	18	work	work	NOUN
fsr-3906	81	19	-	-	PUNCT
fsr-3906	81	20	leisure	leisure	NOUN
fsr-3906	81	21	model	model	NOUN
fsr-3906	81	22	or	or	CCONJ
fsr-3906	81	23	a	a	DET
fsr-3906	81	24	life	life	NOUN
fsr-3906	81	25	cycle	cycle	NOUN
fsr-3906	81	26	labor	labor	NOUN
fsr-3906	81	27	supply	supply	NOUN
fsr-3906	81	28	model	model	NOUN
fsr-3906	81	29	.	.	PUNCT
fsr-3906	82	1	typically	typically	ADV
fsr-3906	82	2	,	,	PUNCT
fsr-3906	82	3	data	datum	NOUN
fsr-3906	82	4	on	on	ADP
fsr-3906	82	5	actual	actual	ADJ
fsr-3906	82	6	retirement	retirement	NOUN
fsr-3906	82	7	behavior	behavior	NOUN
fsr-3906	82	8	is	be	AUX
fsr-3906	82	9	used	use	VERB
fsr-3906	82	10	to	to	PART
fsr-3906	82	11	estimate	estimate	VERB
fsr-3906	82	12	the	the	DET
fsr-3906	82	13	probability	probability	NOUN
fsr-3906	82	14	of	of	ADP
fsr-3906	82	15	being	be	AUX
fsr-3906	82	16	retired	retire	VERB
fsr-3906	82	17	as	as	ADP
fsr-3906	82	18	a	a	DET
fsr-3906	82	19	function	function	NOUN
fsr-3906	82	20	of	of	ADP
fsr-3906	82	21	social	social	ADJ
fsr-3906	82	22	security	security	NOUN
fsr-3906	82	23	and	and	CCONJ
fsr-3906	82	24	pension	pension	NOUN
fsr-3906	82	25	benefits	benefit	NOUN
fsr-3906	82	26	,	,	PUNCT
fsr-3906	82	27	and	and	CCONJ
fsr-3906	82	28	other	other	ADJ
fsr-3906	82	29	demographic	demographic	ADJ
fsr-3906	82	30	characteristics	characteristic	NOUN
fsr-3906	82	31	.	.	PUNCT
fsr-3906	83	1	the	the	DET
fsr-3906	83	2	results	result	NOUN
fsr-3906	83	3	consistently	consistently	ADV
fsr-3906	83	4	confirm	confirm	VERB
fsr-3906	83	5	that	that	SCONJ
fsr-3906	83	6	higher	high	ADJ
fsr-3906	83	7	earning	earning	NOUN
fsr-3906	83	8	power	power	NOUN
fsr-3906	83	9	and	and	CCONJ
fsr-3906	83	10	good	good	ADJ
fsr-3906	83	11	health	health	NOUN
fsr-3906	83	12	reduce	reduce	VERB
fsr-3906	83	13	the	the	DET
fsr-3906	83	14	probability	probability	NOUN
fsr-3906	83	15	of	of	ADP
fsr-3906	83	16	retirement	retirement	NOUN
fsr-3906	83	17	,	,	PUNCT
fsr-3906	83	18	while	while	SCONJ
fsr-3906	83	19	eligibility	eligibility	NOUN
fsr-3906	83	20	for	for	ADP
fsr-3906	83	21	and	and	CCONJ
fsr-3906	83	22	higher	high	ADJ
fsr-3906	83	23	levels	level	NOUN
fsr-3906	83	24	of	of	ADP
fsr-3906	83	25	retirement	retirement	NOUN
fsr-3906	83	26	benefits	benefit	NOUN
fsr-3906	83	27	,	,	PUNCT
fsr-3906	83	28	and	and	CCONJ
fsr-3906	83	29	higher	high	ADJ
fsr-3906	83	30	financial	financial	ADJ
fsr-3906	83	31	wealth	wealth	NOUN
fsr-3906	83	32	increase	increase	VERB
fsr-3906	83	33	the	the	DET
fsr-3906	83	34	probability	probability	NOUN
fsr-3906	83	35	of	of	ADP
fsr-3906	83	36	retirement	retirement	NOUN
fsr-3906	83	37	.	.	PUNCT
fsr-3906	84	1	previous	previous	ADJ
fsr-3906	84	2	research	research	NOUN
fsr-3906	84	3	has	have	AUX
fsr-3906	84	4	not	not	PART
fsr-3906	84	5	analyzed	analyze	VERB
fsr-3906	84	6	factors	factor	NOUN
fsr-3906	84	7	affecting	affect	VERB
fsr-3906	84	8	the	the	DET
fsr-3906	84	9	age	age	NOUN
fsr-3906	84	10	that	that	PRON
fsr-3906	84	11	currently	currently	ADV
fsr-3906	84	12	employed	employ	VERB
fsr-3906	84	13	workers	worker	NOUN
fsr-3906	84	14	plan	plan	VERB
fsr-3906	84	15	to	to	PART
fsr-3906	84	16	retire	retire	VERB
fsr-3906	84	17	.	.	PUNCT
fsr-3906	85	1	4	4	NUM
fsr-3906	85	2	c.p	c.p	PROPN
fsr-3906	85	3	.	.	PROPN
fsr-3906	85	4	montalto	montalto	PROPN
fsr-3906	85	5	et	et	PROPN
fsr-3906	85	6	al	al	PROPN
fsr-3906	85	7	.	.	PUNCT
fsr-3906	85	8	/	/	SYM
fsr-3906	85	9	financial	financial	ADJ
fsr-3906	85	10	services	service	NOUN
fsr-3906	85	11	review	review	VERB
fsr-3906	85	12	9	9	NUM
fsr-3906	85	13	(	(	PUNCT
fsr-3906	85	14	2000	2000	NUM
fsr-3906	85	15	)	)	PUNCT
fsr-3906	85	16	1–15	1–15	PROPN
fsr-3906	86	1	2.2	2.2	NUM
fsr-3906	86	2	.	.	PUNCT
fsr-3906	87	1	conceptual	conceptual	ADJ
fsr-3906	87	2	model	model	NOUN
fsr-3906	87	3	a	a	DET
fsr-3906	87	4	currently	currently	ADV
fsr-3906	87	5	employed	employ	VERB
fsr-3906	87	6	individual	individual	NOUN
fsr-3906	87	7	choosing	choose	VERB
fsr-3906	87	8	a	a	DET
fsr-3906	87	9	planned	plan	VERB
fsr-3906	87	10	retirement	retirement	NOUN
fsr-3906	87	11	age	age	NOUN
fsr-3906	87	12	must	must	AUX
fsr-3906	87	13	consider	consider	VERB
fsr-3906	87	14	whether	whether	SCONJ
fsr-3906	87	15	resources	resource	NOUN
fsr-3906	87	16	will	will	AUX
fsr-3906	87	17	be	be	AUX
fsr-3906	87	18	adequate	adequate	ADJ
fsr-3906	87	19	,	,	PUNCT
fsr-3906	87	20	whether	whether	SCONJ
fsr-3906	87	21	working	working	NOUN
fsr-3906	87	22	will	will	AUX
fsr-3906	87	23	be	be	AUX
fsr-3906	87	24	possible	possible	ADJ
fsr-3906	87	25	,	,	PUNCT
fsr-3906	87	26	and	and	CCONJ
fsr-3906	87	27	also	also	ADV
fsr-3906	87	28	his	his	PRON
fsr-3906	87	29	or	or	CCONJ
fsr-3906	87	30	her	her	PRON
fsr-3906	87	31	individual	individual	ADJ
fsr-3906	87	32	preferences	preference	NOUN
fsr-3906	87	33	for	for	ADP
fsr-3906	87	34	leisure	leisure	NOUN
fsr-3906	87	35	.	.	PUNCT
fsr-3906	88	1	the	the	DET
fsr-3906	88	2	ability	ability	NOUN
fsr-3906	88	3	to	to	PART
fsr-3906	88	4	afford	afford	VERB
fsr-3906	88	5	to	to	PART
fsr-3906	88	6	retire	retire	VERB
fsr-3906	88	7	is	be	AUX
fsr-3906	88	8	influenced	influence	VERB
fsr-3906	88	9	by	by	ADP
fsr-3906	88	10	the	the	DET
fsr-3906	88	11	individual	individual	NOUN
fsr-3906	88	12	’s	’s	PART
fsr-3906	88	13	accumulated	accumulate	VERB
fsr-3906	88	14	financial	financial	ADJ
fsr-3906	88	15	resources	resource	NOUN
fsr-3906	88	16	as	as	ADV
fsr-3906	88	17	well	well	ADV
fsr-3906	88	18	as	as	ADP
fsr-3906	88	19	the	the	DET
fsr-3906	88	20	earned	earn	VERB
fsr-3906	88	21	retirement	retirement	NOUN
fsr-3906	88	22	benefits	benefit	NOUN
fsr-3906	88	23	.	.	PUNCT
fsr-3906	89	1	the	the	DET
fsr-3906	89	2	ability	ability	NOUN
fsr-3906	89	3	to	to	PART
fsr-3906	89	4	continue	continue	VERB
fsr-3906	89	5	to	to	PART
fsr-3906	89	6	work	work	VERB
fsr-3906	89	7	is	be	AUX
fsr-3906	89	8	influenced	influence	VERB
fsr-3906	89	9	by	by	ADP
fsr-3906	89	10	individual	individual	ADJ
fsr-3906	89	11	productivity	productivity	NOUN
fsr-3906	89	12	and	and	CCONJ
fsr-3906	89	13	health	health	NOUN
fsr-3906	89	14	,	,	PUNCT
fsr-3906	89	15	as	as	ADV
fsr-3906	89	16	well	well	ADV
fsr-3906	89	17	as	as	ADP
fsr-3906	89	18	characteristics	characteristic	NOUN
fsr-3906	89	19	of	of	ADP
fsr-3906	89	20	jobs	job	NOUN
fsr-3906	89	21	.	.	PUNCT
fsr-3906	90	1	preferences	preference	NOUN
fsr-3906	90	2	for	for	ADP
fsr-3906	90	3	leisure	leisure	NOUN
fsr-3906	90	4	may	may	AUX
fsr-3906	90	5	be	be	AUX
fsr-3906	90	6	influenced	influence	VERB
fsr-3906	90	7	by	by	ADP
fsr-3906	90	8	social	social	ADJ
fsr-3906	90	9	norms	norm	NOUN
fsr-3906	90	10	,	,	PUNCT
fsr-3906	90	11	but	but	CCONJ
fsr-3906	90	12	also	also	ADV
fsr-3906	90	13	vary	vary	VERB
fsr-3906	90	14	across	across	ADP
fsr-3906	90	15	individuals	individual	NOUN
fsr-3906	90	16	at	at	ADP
fsr-3906	90	17	a	a	DET
fsr-3906	90	18	given	give	VERB
fsr-3906	90	19	point	point	NOUN
fsr-3906	90	20	in	in	ADP
fsr-3906	90	21	time	time	NOUN
fsr-3906	90	22	.	.	PUNCT
fsr-3906	91	1	the	the	DET
fsr-3906	91	2	data	datum	NOUN
fsr-3906	91	3	set	set	VERB
fsr-3906	91	4	used	use	VERB
fsr-3906	91	5	in	in	ADP
fsr-3906	91	6	the	the	DET
fsr-3906	91	7	empirical	empirical	ADJ
fsr-3906	91	8	analysis	analysis	NOUN
fsr-3906	91	9	allows	allow	VERB
fsr-3906	91	10	examination	examination	NOUN
fsr-3906	91	11	of	of	ADP
fsr-3906	91	12	several	several	ADJ
fsr-3906	91	13	of	of	ADP
fsr-3906	91	14	these	these	DET
fsr-3906	91	15	factors	factor	NOUN
fsr-3906	91	16	.	.	PUNCT
fsr-3906	92	1	a	a	DET
fsr-3906	92	2	definition	definition	NOUN
fsr-3906	92	3	of	of	ADP
fsr-3906	92	4	retirement	retirement	NOUN
fsr-3906	92	5	is	be	AUX
fsr-3906	92	6	required	require	VERB
fsr-3906	92	7	before	before	SCONJ
fsr-3906	92	8	the	the	DET
fsr-3906	92	9	determinants	determinant	NOUN
fsr-3906	92	10	of	of	ADP
fsr-3906	92	11	planned	plan	VERB
fsr-3906	92	12	retirement	retirement	NOUN
fsr-3906	92	13	age	age	NOUN
fsr-3906	92	14	can	can	AUX
fsr-3906	92	15	be	be	AUX
fsr-3906	92	16	analyzed	analyze	VERB
fsr-3906	92	17	.	.	PUNCT
fsr-3906	93	1	however	however	ADV
fsr-3906	93	2	,	,	PUNCT
fsr-3906	93	3	there	there	PRON
fsr-3906	93	4	is	be	VERB
fsr-3906	93	5	no	no	DET
fsr-3906	93	6	consensus	consensus	NOUN
fsr-3906	93	7	in	in	ADP
fsr-3906	93	8	the	the	DET
fsr-3906	93	9	literature	literature	NOUN
fsr-3906	93	10	on	on	ADP
fsr-3906	93	11	the	the	DET
fsr-3906	93	12	definition	definition	NOUN
fsr-3906	93	13	of	of	ADP
fsr-3906	93	14	retirement	retirement	NOUN
fsr-3906	93	15	(	(	PUNCT
fsr-3906	93	16	gustman	gustman	NOUN
fsr-3906	93	17	,	,	PUNCT
fsr-3906	93	18	mitchell	mitchell	PROPN
fsr-3906	93	19	&	&	CCONJ
fsr-3906	93	20	steinmeier	steinmeier	PROPN
fsr-3906	93	21	,	,	PUNCT
fsr-3906	93	22	1995	1995	NUM
fsr-3906	93	23	)	)	PUNCT
fsr-3906	93	24	.	.	PUNCT
fsr-3906	94	1	various	various	ADJ
fsr-3906	94	2	definitions	definition	NOUN
fsr-3906	94	3	of	of	ADP
fsr-3906	94	4	retirement	retirement	NOUN
fsr-3906	94	5	have	have	AUX
fsr-3906	94	6	been	be	AUX
fsr-3906	94	7	used	use	VERB
fsr-3906	94	8	by	by	ADP
fsr-3906	94	9	economists	economist	NOUN
fsr-3906	94	10	and	and	CCONJ
fsr-3906	94	11	other	other	ADJ
fsr-3906	94	12	social	social	ADJ
fsr-3906	94	13	scientists	scientist	NOUN
fsr-3906	94	14	,	,	PUNCT
fsr-3906	94	15	including	include	VERB
fsr-3906	94	16	:	:	PUNCT
fsr-3906	94	17	self	self	NOUN
fsr-3906	94	18	-	-	PUNCT
fsr-3906	94	19	reported	report	VERB
fsr-3906	94	20	retirement	retirement	NOUN
fsr-3906	94	21	;	;	PUNCT
fsr-3906	94	22	termination	termination	NOUN
fsr-3906	94	23	of	of	ADP
fsr-3906	94	24	work	work	NOUN
fsr-3906	94	25	or	or	CCONJ
fsr-3906	94	26	looking	look	VERB
fsr-3906	94	27	for	for	ADP
fsr-3906	94	28	work	work	NOUN
fsr-3906	94	29	;	;	PUNCT
fsr-3906	94	30	termination	termination	NOUN
fsr-3906	94	31	of	of	ADP
fsr-3906	94	32	full	full	ADJ
fsr-3906	94	33	-	-	PUNCT
fsr-3906	94	34	time	time	NOUN
fsr-3906	94	35	work	work	NOUN
fsr-3906	94	36	;	;	PUNCT
fsr-3906	94	37	working	work	VERB
fsr-3906	94	38	less	less	ADJ
fsr-3906	94	39	than	than	ADP
fsr-3906	94	40	a	a	DET
fsr-3906	94	41	given	give	VERB
fsr-3906	94	42	number	number	NOUN
fsr-3906	94	43	of	of	ADP
fsr-3906	94	44	hours	hour	NOUN
fsr-3906	94	45	;	;	PUNCT
fsr-3906	94	46	leaving	leave	VERB
fsr-3906	94	47	the	the	DET
fsr-3906	94	48	main	main	ADJ
fsr-3906	94	49	employer	employer	NOUN
fsr-3906	94	50	(	(	PUNCT
fsr-3906	94	51	a	a	DET
fsr-3906	94	52	long	long	ADJ
fsr-3906	94	53	-	-	PUNCT
fsr-3906	94	54	term	term	NOUN
fsr-3906	94	55	job	job	NOUN
fsr-3906	94	56	)	)	PUNCT
fsr-3906	94	57	;	;	PUNCT
fsr-3906	94	58	and	and	CCONJ
fsr-3906	94	59	receipt	receipt	NOUN
fsr-3906	94	60	of	of	ADP
fsr-3906	94	61	an	an	DET
fsr-3906	94	62	employer	employer	NOUN
fsr-3906	94	63	-	-	PUNCT
fsr-3906	94	64	provided	provide	VERB
fsr-3906	94	65	pension	pension	NOUN
fsr-3906	94	66	or	or	CCONJ
fsr-3906	94	67	social	social	ADJ
fsr-3906	94	68	security	security	NOUN
fsr-3906	94	69	benefits	benefit	NOUN
fsr-3906	94	70	.	.	PUNCT
fsr-3906	95	1	this	this	DET
fsr-3906	95	2	study	study	NOUN
fsr-3906	95	3	defines	define	VERB
fsr-3906	95	4	retirement	retirement	NOUN
fsr-3906	95	5	as	as	ADP
fsr-3906	95	6	occurring	occur	VERB
fsr-3906	95	7	when	when	SCONJ
fsr-3906	95	8	an	an	DET
fsr-3906	95	9	individual	individual	NOUN
fsr-3906	95	10	stops	stop	VERB
fsr-3906	95	11	working	work	VERB
fsr-3906	95	12	full	full	ADJ
fsr-3906	95	13	-	-	PUNCT
fsr-3906	95	14	time	time	NOUN
fsr-3906	95	15	which	which	PRON
fsr-3906	95	16	is	be	AUX
fsr-3906	95	17	the	the	DET
fsr-3906	95	18	definition	definition	NOUN
fsr-3906	95	19	most	most	ADV
fsr-3906	95	20	commonly	commonly	ADV
fsr-3906	95	21	used	use	VERB
fsr-3906	95	22	in	in	ADP
fsr-3906	95	23	empirical	empirical	ADJ
fsr-3906	95	24	studies	study	NOUN
fsr-3906	95	25	(	(	PUNCT
fsr-3906	95	26	sickles	sickle	NOUN
fsr-3906	95	27	&	&	CCONJ
fsr-3906	95	28	taubman	taubman	NOUN
fsr-3906	95	29	,	,	PUNCT
fsr-3906	95	30	1986	1986	NUM
fsr-3906	95	31	;	;	PUNCT
fsr-3906	95	32	diamond	diamond	PROPN
fsr-3906	95	33	&	&	CCONJ
fsr-3906	95	34	hausman	hausman	PROPN
fsr-3906	95	35	,	,	PUNCT
fsr-3906	95	36	1984	1984	NUM
fsr-3906	95	37	)	)	PUNCT
fsr-3906	95	38	.	.	PUNCT
fsr-3906	96	1	3	3	X
fsr-3906	96	2	.	.	X
fsr-3906	96	3	methodology	methodology	NOUN
fsr-3906	96	4	3.1	3.1	NUM
fsr-3906	96	5	.	.	PUNCT
fsr-3906	97	1	data	datum	NOUN
fsr-3906	97	2	data	datum	NOUN
fsr-3906	97	3	for	for	ADP
fsr-3906	97	4	this	this	DET
fsr-3906	97	5	study	study	NOUN
fsr-3906	97	6	are	be	AUX
fsr-3906	97	7	drawn	draw	VERB
fsr-3906	97	8	from	from	ADP
fsr-3906	97	9	the	the	DET
fsr-3906	97	10	public	public	ADJ
fsr-3906	97	11	use	use	NOUN
fsr-3906	97	12	tape	tape	NOUN
fsr-3906	97	13	of	of	ADP
fsr-3906	97	14	the	the	DET
fsr-3906	97	15	1995	1995	NUM
fsr-3906	97	16	survey	survey	NOUN
fsr-3906	97	17	of	of	ADP
fsr-3906	97	18	consumer	consumer	NOUN
fsr-3906	97	19	finances	finance	NOUN
fsr-3906	97	20	(	(	PUNCT
fsr-3906	97	21	kennickell	kennickell	PROPN
fsr-3906	97	22	,	,	PUNCT
fsr-3906	97	23	starr	starr	PROPN
fsr-3906	97	24	-	-	PUNCT
fsr-3906	97	25	mccluer	mccluer	PROPN
fsr-3906	97	26	&	&	CCONJ
fsr-3906	97	27	sunde´n	sunde´n	PROPN
fsr-3906	97	28	,	,	PUNCT
fsr-3906	97	29	1997	1997	NUM
fsr-3906	97	30	)	)	PUNCT
fsr-3906	97	31	.	.	PUNCT
fsr-3906	98	1	the	the	DET
fsr-3906	98	2	survey	survey	NOUN
fsr-3906	98	3	of	of	ADP
fsr-3906	98	4	consumer	consumer	NOUN
fsr-3906	98	5	finances	finance	NOUN
fsr-3906	98	6	(	(	PUNCT
fsr-3906	98	7	scf	scf	PROPN
fsr-3906	98	8	)	)	PUNCT
fsr-3906	98	9	is	be	AUX
fsr-3906	98	10	a	a	DET
fsr-3906	98	11	triennial	triennial	ADJ
fsr-3906	98	12	survey	survey	NOUN
fsr-3906	98	13	sponsored	sponsor	VERB
fsr-3906	98	14	by	by	ADP
fsr-3906	98	15	the	the	DET
fsr-3906	98	16	federal	federal	PROPN
fsr-3906	98	17	reserve	reserve	PROPN
fsr-3906	98	18	with	with	ADP
fsr-3906	98	19	the	the	DET
fsr-3906	98	20	cooperation	cooperation	NOUN
fsr-3906	98	21	of	of	ADP
fsr-3906	98	22	the	the	DET
fsr-3906	98	23	department	department	NOUN
fsr-3906	98	24	of	of	ADP
fsr-3906	98	25	the	the	DET
fsr-3906	98	26	treasury	treasury	NOUN
fsr-3906	98	27	.	.	PUNCT
fsr-3906	99	1	the	the	DET
fsr-3906	99	2	purpose	purpose	NOUN
fsr-3906	99	3	of	of	ADP
fsr-3906	99	4	the	the	DET
fsr-3906	99	5	scf	scf	PROPN
fsr-3906	99	6	is	be	AUX
fsr-3906	99	7	to	to	PART
fsr-3906	99	8	provide	provide	VERB
fsr-3906	99	9	comprehensive	comprehensive	ADJ
fsr-3906	99	10	and	and	CCONJ
fsr-3906	99	11	detailed	detailed	ADJ
fsr-3906	99	12	information	information	NOUN
fsr-3906	99	13	on	on	ADP
fsr-3906	99	14	the	the	DET
fsr-3906	99	15	financial	financial	ADJ
fsr-3906	99	16	characteristics	characteristic	NOUN
fsr-3906	99	17	of	of	ADP
fsr-3906	99	18	u.s	u.s	PROPN
fsr-3906	99	19	.	.	PROPN
fsr-3906	99	20	households	household	NOUN
fsr-3906	99	21	.	.	PUNCT
fsr-3906	100	1	a	a	DET
fsr-3906	100	2	total	total	NOUN
fsr-3906	100	3	of	of	ADP
fsr-3906	100	4	4,299	4,299	NUM
fsr-3906	100	5	families	family	NOUN
fsr-3906	100	6	were	be	AUX
fsr-3906	100	7	interviewed	interview	VERB
fsr-3906	100	8	in	in	ADP
fsr-3906	100	9	the	the	DET
fsr-3906	100	10	1995	1995	NUM
fsr-3906	100	11	scf	scf	PROPN
fsr-3906	100	12	survey	survey	NOUN
fsr-3906	100	13	.	.	PUNCT
fsr-3906	101	1	the	the	DET
fsr-3906	101	2	1995	1995	NUM
fsr-3906	101	3	scf	scf	PROPN
fsr-3906	101	4	has	have	VERB
fsr-3906	101	5	five	five	NUM
fsr-3906	101	6	complete	complete	ADJ
fsr-3906	101	7	data	datum	NOUN
fsr-3906	101	8	sets	set	NOUN
fsr-3906	101	9	called	call	VERB
fsr-3906	101	10	“	"	PUNCT
fsr-3906	101	11	implicates	implicate	VERB
fsr-3906	101	12	”	"	PUNCT
fsr-3906	101	13	as	as	ADP
fsr-3906	101	14	a	a	DET
fsr-3906	101	15	result	result	NOUN
fsr-3906	101	16	of	of	ADP
fsr-3906	101	17	multiple	multiple	ADJ
fsr-3906	101	18	imputation	imputation	NOUN
fsr-3906	101	19	to	to	PART
fsr-3906	101	20	handle	handle	VERB
fsr-3906	101	21	missing	miss	VERB
fsr-3906	101	22	data	datum	NOUN
fsr-3906	101	23	.	.	PUNCT
fsr-3906	102	1	this	this	DET
fsr-3906	102	2	study	study	NOUN
fsr-3906	102	3	uses	use	VERB
fsr-3906	102	4	repeated	repeat	VERB
fsr-3906	102	5	-	-	PUNCT
fsr-3906	102	6	imputation	imputation	NOUN
fsr-3906	102	7	inference	inference	NOUN
fsr-3906	102	8	(	(	PUNCT
fsr-3906	102	9	rii	rii	NOUN
fsr-3906	102	10	)	)	PUNCT
fsr-3906	102	11	techniques	technique	NOUN
fsr-3906	102	12	to	to	PART
fsr-3906	102	13	combine	combine	VERB
fsr-3906	102	14	the	the	DET
fsr-3906	102	15	five	five	NUM
fsr-3906	102	16	different	different	ADJ
fsr-3906	102	17	data	datum	NOUN
fsr-3906	102	18	sets	set	NOUN
fsr-3906	102	19	to	to	PART
fsr-3906	102	20	make	make	VERB
fsr-3906	102	21	valid	valid	ADJ
fsr-3906	102	22	inferences	inference	NOUN
fsr-3906	102	23	(	(	PUNCT
fsr-3906	102	24	rubin	rubin	PROPN
fsr-3906	102	25	,	,	PUNCT
fsr-3906	102	26	1987	1987	NUM
fsr-3906	102	27	;	;	PUNCT
fsr-3906	102	28	montalto	montalto	PROPN
fsr-3906	102	29	&	&	CCONJ
fsr-3906	102	30	sung	sung	PROPN
fsr-3906	102	31	,	,	PUNCT
fsr-3906	102	32	1996	1996	NUM
fsr-3906	102	33	)	)	PUNCT
fsr-3906	102	34	.	.	PUNCT
fsr-3906	103	1	the	the	DET
fsr-3906	103	2	survey	survey	NOUN
fsr-3906	103	3	of	of	ADP
fsr-3906	103	4	consumer	consumer	NOUN
fsr-3906	103	5	finances	finance	NOUN
fsr-3906	103	6	was	be	AUX
fsr-3906	103	7	chosen	choose	VERB
fsr-3906	103	8	for	for	ADP
fsr-3906	103	9	this	this	DET
fsr-3906	103	10	study	study	NOUN
fsr-3906	103	11	because	because	SCONJ
fsr-3906	103	12	it	it	PRON
fsr-3906	103	13	provides	provide	VERB
fsr-3906	103	14	information	information	NOUN
fsr-3906	103	15	on	on	ADP
fsr-3906	103	16	a	a	DET
fsr-3906	103	17	broad	broad	ADJ
fsr-3906	103	18	age	age	NOUN
fsr-3906	103	19	-	-	PUNCT
fsr-3906	103	20	range	range	NOUN
fsr-3906	103	21	of	of	ADP
fsr-3906	103	22	the	the	DET
fsr-3906	103	23	u.s	u.s	PROPN
fsr-3906	103	24	.	.	PROPN
fsr-3906	103	25	population	population	NOUN
fsr-3906	103	26	,	,	PUNCT
fsr-3906	103	27	and	and	CCONJ
fsr-3906	103	28	it	it	PRON
fsr-3906	103	29	specifically	specifically	ADV
fsr-3906	103	30	asks	ask	VERB
fsr-3906	103	31	currently	currently	ADV
fsr-3906	103	32	employed	employ	VERB
fsr-3906	103	33	respondents	respondent	NOUN
fsr-3906	103	34	to	to	PART
fsr-3906	103	35	provide	provide	VERB
fsr-3906	103	36	their	their	PRON
fsr-3906	103	37	planned	plan	VERB
fsr-3906	103	38	retirement	retirement	NOUN
fsr-3906	103	39	age	age	NOUN
fsr-3906	103	40	.	.	PUNCT
fsr-3906	104	1	to	to	PART
fsr-3906	104	2	analyze	analyze	VERB
fsr-3906	104	3	determinants	determinant	NOUN
fsr-3906	104	4	of	of	ADP
fsr-3906	104	5	planned	plan	VERB
fsr-3906	104	6	retirement	retirement	NOUN
fsr-3906	104	7	age	age	NOUN
fsr-3906	104	8	,	,	PUNCT
fsr-3906	104	9	heads	head	NOUN
fsr-3906	104	10	of	of	ADP
fsr-3906	104	11	household	household	NOUN
fsr-3906	104	12	age	age	NOUN
fsr-3906	104	13	35	35	NUM
fsr-3906	104	14	to	to	ADP
fsr-3906	104	15	70	70	NUM
fsr-3906	104	16	years	year	NOUN
fsr-3906	104	17	who	who	PRON
fsr-3906	104	18	were	be	AUX
fsr-3906	104	19	currently	currently	ADV
fsr-3906	104	20	working	work	VERB
fsr-3906	104	21	full	full	ADJ
fsr-3906	104	22	-	-	PUNCT
fsr-3906	104	23	time	time	NOUN
fsr-3906	104	24	were	be	AUX
fsr-3906	104	25	selected	select	VERB
fsr-3906	104	26	,	,	PUNCT
fsr-3906	104	27	resulting	result	VERB
fsr-3906	104	28	in	in	ADP
fsr-3906	104	29	a	a	DET
fsr-3906	104	30	sample	sample	NOUN
fsr-3906	104	31	of	of	ADP
fsr-3906	104	32	1,607	1,607	NUM
fsr-3906	104	33	individuals	individual	NOUN
fsr-3906	104	34	.	.	PUNCT
fsr-3906	105	1	fig	fig	NOUN
fsr-3906	105	2	.	.	PUNCT
fsr-3906	106	1	1	1	NUM
fsr-3906	106	2	shows	show	VERB
fsr-3906	106	3	the	the	DET
fsr-3906	106	4	cumulative	cumulative	ADJ
fsr-3906	106	5	distribution	distribution	NOUN
fsr-3906	106	6	of	of	ADP
fsr-3906	106	7	the	the	DET
fsr-3906	106	8	planned	plan	VERB
fsr-3906	106	9	retirement	retirement	NOUN
fsr-3906	106	10	age	age	NOUN
fsr-3906	106	11	.	.	PUNCT
fsr-3906	107	1	about	about	ADV
fsr-3906	107	2	17	17	NUM
fsr-3906	107	3	%	%	NOUN
fsr-3906	107	4	of	of	ADP
fsr-3906	107	5	the	the	DET
fsr-3906	107	6	sample	sample	NOUN
fsr-3906	107	7	planned	plan	VERB
fsr-3906	107	8	to	to	PART
fsr-3906	107	9	retire	retire	VERB
fsr-3906	107	10	by	by	ADP
fsr-3906	107	11	age	age	NOUN
fsr-3906	107	12	55	55	NUM
fsr-3906	107	13	,	,	PUNCT
fsr-3906	107	14	35	35	NUM
fsr-3906	107	15	%	%	NOUN
fsr-3906	107	16	planned	plan	VERB
fsr-3906	107	17	to	to	PART
fsr-3906	107	18	retire	retire	VERB
fsr-3906	107	19	before	before	ADP
fsr-3906	107	20	age	age	NOUN
fsr-3906	107	21	62	62	NUM
fsr-3906	107	22	,	,	PUNCT
fsr-3906	107	23	and	and	CCONJ
fsr-3906	107	24	51	51	NUM
fsr-3906	107	25	%	%	NOUN
fsr-3906	107	26	planned	plan	VERB
fsr-3906	107	27	to	to	PART
fsr-3906	107	28	retire	retire	VERB
fsr-3906	107	29	by	by	ADP
fsr-3906	107	30	age	age	NOUN
fsr-3906	107	31	62	62	NUM
fsr-3906	107	32	.	.	PUNCT
fsr-3906	108	1	almost	almost	ADV
fsr-3906	108	2	all	all	PRON
fsr-3906	108	3	respondents	respondent	NOUN
fsr-3906	108	4	(	(	PUNCT
fsr-3906	108	5	89	89	NUM
fsr-3906	108	6	%	%	NOUN
fsr-3906	108	7	)	)	PUNCT
fsr-3906	108	8	planned	plan	VERB
fsr-3906	108	9	to	to	PART
fsr-3906	108	10	retire	retire	VERB
fsr-3906	108	11	by	by	ADP
fsr-3906	108	12	age	age	NOUN
fsr-3906	108	13	65	65	NUM
fsr-3906	108	14	,	,	PUNCT
fsr-3906	108	15	and	and	CCONJ
fsr-3906	108	16	91	91	NUM
fsr-3906	108	17	%	%	NOUN
fsr-3906	108	18	planned	plan	VERB
fsr-3906	108	19	to	to	PART
fsr-3906	108	20	retire	retire	VERB
fsr-3906	108	21	by	by	ADP
fsr-3906	108	22	age	age	NOUN
fsr-3906	108	23	67	67	NUM
fsr-3906	108	24	.	.	PUNCT
fsr-3906	109	1	5c.p	5c.p	NUM
fsr-3906	109	2	.	.	NUM
fsr-3906	109	3	montalto	montalto	PROPN
fsr-3906	109	4	et	et	PROPN
fsr-3906	109	5	al	al	PROPN
fsr-3906	109	6	.	.	PUNCT
fsr-3906	109	7	/	/	SYM
fsr-3906	109	8	financial	financial	ADJ
fsr-3906	109	9	services	service	NOUN
fsr-3906	109	10	review	review	VERB
fsr-3906	109	11	9	9	NUM
fsr-3906	109	12	(	(	PUNCT
fsr-3906	109	13	2000	2000	NUM
fsr-3906	109	14	)	)	PUNCT
fsr-3906	109	15	1–15	1–15	PROPN
fsr-3906	109	16	3.2	3.2	NUM
fsr-3906	109	17	.	.	PUNCT
fsr-3906	110	1	sample	sample	NOUN
fsr-3906	110	2	selection	selection	NOUN
fsr-3906	110	3	planned	plan	VERB
fsr-3906	110	4	retirement	retirement	NOUN
fsr-3906	110	5	age	age	NOUN
fsr-3906	110	6	in	in	ADP
fsr-3906	110	7	this	this	DET
fsr-3906	110	8	study	study	NOUN
fsr-3906	110	9	is	be	AUX
fsr-3906	110	10	defined	define	VERB
fsr-3906	110	11	as	as	ADP
fsr-3906	110	12	the	the	DET
fsr-3906	110	13	age	age	NOUN
fsr-3906	110	14	at	at	ADP
fsr-3906	110	15	which	which	PRON
fsr-3906	110	16	the	the	DET
fsr-3906	110	17	individual	individual	ADJ
fsr-3906	110	18	plans	plan	VERB
fsr-3906	110	19	to	to	PART
fsr-3906	110	20	stop	stop	VERB
fsr-3906	110	21	working	work	VERB
fsr-3906	110	22	full	full	ADJ
fsr-3906	110	23	-	-	PUNCT
fsr-3906	110	24	time	time	NOUN
fsr-3906	110	25	.	.	PUNCT
fsr-3906	111	1	thus	thus	ADV
fsr-3906	111	2	,	,	PUNCT
fsr-3906	111	3	the	the	DET
fsr-3906	111	4	variable	variable	NOUN
fsr-3906	111	5	of	of	ADP
fsr-3906	111	6	interest	interest	NOUN
fsr-3906	111	7	is	be	AUX
fsr-3906	111	8	only	only	ADV
fsr-3906	111	9	observed	observe	VERB
fsr-3906	111	10	for	for	ADP
fsr-3906	111	11	those	those	DET
fsr-3906	111	12	individuals	individual	NOUN
fsr-3906	111	13	currently	currently	ADV
fsr-3906	111	14	working	work	VERB
fsr-3906	111	15	35	35	NUM
fsr-3906	111	16	hours	hour	NOUN
fsr-3906	111	17	per	per	ADP
fsr-3906	111	18	week	week	NOUN
fsr-3906	111	19	or	or	CCONJ
fsr-3906	111	20	more	more	ADJ
fsr-3906	111	21	.	.	PUNCT
fsr-3906	112	1	if	if	SCONJ
fsr-3906	112	2	current	current	ADJ
fsr-3906	112	3	hours	hour	NOUN
fsr-3906	112	4	of	of	ADP
fsr-3906	112	5	work	work	NOUN
fsr-3906	112	6	and	and	CCONJ
fsr-3906	112	7	planned	plan	VERB
fsr-3906	112	8	retirement	retirement	NOUN
fsr-3906	112	9	age	age	NOUN
fsr-3906	112	10	are	be	AUX
fsr-3906	112	11	correlated	correlate	VERB
fsr-3906	112	12	,	,	PUNCT
fsr-3906	112	13	then	then	ADV
fsr-3906	112	14	analysis	analysis	NOUN
fsr-3906	112	15	of	of	ADP
fsr-3906	112	16	planned	plan	VERB
fsr-3906	112	17	retirement	retirement	NOUN
fsr-3906	112	18	age	age	NOUN
fsr-3906	112	19	using	use	VERB
fsr-3906	112	20	only	only	ADV
fsr-3906	112	21	the	the	DET
fsr-3906	112	22	sample	sample	NOUN
fsr-3906	112	23	of	of	ADP
fsr-3906	112	24	individuals	individual	NOUN
fsr-3906	112	25	currently	currently	ADV
fsr-3906	112	26	working	work	VERB
fsr-3906	112	27	full	full	ADJ
fsr-3906	112	28	-	-	PUNCT
fsr-3906	112	29	time	time	NOUN
fsr-3906	112	30	will	will	AUX
fsr-3906	112	31	produce	produce	VERB
fsr-3906	112	32	inconsistent	inconsistent	ADJ
fsr-3906	112	33	estimates	estimate	NOUN
fsr-3906	112	34	of	of	ADP
fsr-3906	112	35	the	the	DET
fsr-3906	112	36	parameters	parameter	NOUN
fsr-3906	112	37	of	of	ADP
fsr-3906	112	38	the	the	DET
fsr-3906	112	39	planned	plan	VERB
fsr-3906	112	40	retirement	retirement	NOUN
fsr-3906	112	41	age	age	NOUN
fsr-3906	112	42	equation	equation	NOUN
fsr-3906	112	43	.	.	PUNCT
fsr-3906	113	1	a	a	DET
fsr-3906	113	2	positive	positive	ADJ
fsr-3906	113	3	correlation	correlation	NOUN
fsr-3906	113	4	between	between	ADP
fsr-3906	113	5	current	current	ADJ
fsr-3906	113	6	hours	hour	NOUN
fsr-3906	113	7	of	of	ADP
fsr-3906	113	8	work	work	NOUN
fsr-3906	113	9	and	and	CCONJ
fsr-3906	113	10	planned	plan	VERB
fsr-3906	113	11	retirement	retirement	NOUN
fsr-3906	113	12	age	age	NOUN
fsr-3906	113	13	is	be	AUX
fsr-3906	113	14	plausible	plausible	ADJ
fsr-3906	113	15	,	,	PUNCT
fsr-3906	113	16	since	since	SCONJ
fsr-3906	113	17	a	a	DET
fsr-3906	113	18	“	"	PUNCT
fsr-3906	113	19	taste	taste	NOUN
fsr-3906	113	20	”	"	PUNCT
fsr-3906	113	21	for	for	ADP
fsr-3906	113	22	work	work	NOUN
fsr-3906	113	23	would	would	AUX
fsr-3906	113	24	likely	likely	ADV
fsr-3906	113	25	result	result	VERB
fsr-3906	113	26	in	in	ADP
fsr-3906	113	27	more	more	ADJ
fsr-3906	113	28	hours	hour	NOUN
fsr-3906	113	29	of	of	ADP
fsr-3906	113	30	work	work	NOUN
fsr-3906	113	31	and	and	CCONJ
fsr-3906	113	32	a	a	DET
fsr-3906	113	33	later	later	ADJ
fsr-3906	113	34	age	age	NOUN
fsr-3906	113	35	of	of	ADP
fsr-3906	113	36	planned	plan	VERB
fsr-3906	113	37	retirement	retirement	NOUN
fsr-3906	113	38	.	.	PUNCT
fsr-3906	114	1	if	if	SCONJ
fsr-3906	114	2	this	this	DET
fsr-3906	114	3	“	"	PUNCT
fsr-3906	114	4	taste	taste	NOUN
fsr-3906	114	5	”	"	PUNCT
fsr-3906	114	6	for	for	ADP
fsr-3906	114	7	work	work	NOUN
fsr-3906	114	8	is	be	AUX
fsr-3906	114	9	not	not	PART
fsr-3906	114	10	controlled	control	VERB
fsr-3906	114	11	in	in	ADP
fsr-3906	114	12	the	the	DET
fsr-3906	114	13	planned	plan	VERB
fsr-3906	114	14	retirement	retirement	NOUN
fsr-3906	114	15	age	age	NOUN
fsr-3906	114	16	equation	equation	NOUN
fsr-3906	114	17	,	,	PUNCT
fsr-3906	114	18	a	a	DET
fsr-3906	114	19	specification	specification	NOUN
fsr-3906	114	20	error	error	NOUN
fsr-3906	114	21	is	be	AUX
fsr-3906	114	22	committed	commit	VERB
fsr-3906	114	23	by	by	ADP
fsr-3906	114	24	omitting	omit	VERB
fsr-3906	114	25	a	a	DET
fsr-3906	114	26	relevant	relevant	ADJ
fsr-3906	114	27	variable	variable	NOUN
fsr-3906	114	28	.	.	PUNCT
fsr-3906	115	1	this	this	DET
fsr-3906	115	2	type	type	NOUN
fsr-3906	115	3	of	of	ADP
fsr-3906	115	4	specification	specification	NOUN
fsr-3906	115	5	error	error	NOUN
fsr-3906	115	6	is	be	AUX
fsr-3906	115	7	commonly	commonly	ADV
fsr-3906	115	8	referred	refer	VERB
fsr-3906	115	9	to	to	ADP
fsr-3906	115	10	as	as	ADP
fsr-3906	115	11	selection	selection	NOUN
fsr-3906	115	12	bias	bias	NOUN
fsr-3906	115	13	.	.	PUNCT
fsr-3906	116	1	in	in	ADP
fsr-3906	116	2	other	other	ADJ
fsr-3906	116	3	words	word	NOUN
fsr-3906	116	4	,	,	PUNCT
fsr-3906	116	5	an	an	DET
fsr-3906	116	6	estimation	estimation	NOUN
fsr-3906	116	7	of	of	ADP
fsr-3906	116	8	the	the	DET
fsr-3906	116	9	effect	effect	NOUN
fsr-3906	116	10	of	of	ADP
fsr-3906	116	11	age	age	NOUN
fsr-3906	116	12	on	on	ADP
fsr-3906	116	13	planned	plan	VERB
fsr-3906	116	14	retirement	retirement	NOUN
fsr-3906	116	15	age	age	NOUN
fsr-3906	116	16	may	may	AUX
fsr-3906	116	17	be	be	AUX
fsr-3906	116	18	biased	bias	VERB
fsr-3906	116	19	because	because	SCONJ
fsr-3906	116	20	older	old	ADJ
fsr-3906	116	21	workers	worker	NOUN
fsr-3906	116	22	with	with	ADP
fsr-3906	116	23	a	a	DET
fsr-3906	116	24	preference	preference	NOUN
fsr-3906	116	25	for	for	ADP
fsr-3906	116	26	earlier	early	ADJ
fsr-3906	116	27	retirement	retirement	NOUN
fsr-3906	116	28	are	be	AUX
fsr-3906	116	29	selected	select	VERB
fsr-3906	116	30	out	out	ADP
fsr-3906	116	31	of	of	ADP
fsr-3906	116	32	the	the	DET
fsr-3906	116	33	sample	sample	NOUN
fsr-3906	116	34	of	of	ADP
fsr-3906	116	35	individuals	individual	NOUN
fsr-3906	116	36	currently	currently	ADV
fsr-3906	116	37	working	work	VERB
fsr-3906	116	38	full	full	ADJ
fsr-3906	116	39	-	-	PUNCT
fsr-3906	116	40	time	time	NOUN
fsr-3906	116	41	.	.	PUNCT
fsr-3906	117	1	heckman	heckman	PROPN
fsr-3906	117	2	’s	’s	PART
fsr-3906	117	3	(	(	PUNCT
fsr-3906	117	4	1979	1979	NUM
fsr-3906	117	5	)	)	PUNCT
fsr-3906	117	6	two	two	NUM
fsr-3906	117	7	-	-	PUNCT
fsr-3906	117	8	step	step	NOUN
fsr-3906	117	9	estimation	estimation	NOUN
fsr-3906	117	10	procedure	procedure	NOUN
fsr-3906	117	11	is	be	AUX
fsr-3906	117	12	used	use	VERB
fsr-3906	117	13	to	to	PART
fsr-3906	117	14	estimate	estimate	VERB
fsr-3906	117	15	a	a	DET
fsr-3906	117	16	planned	plan	VERB
fsr-3906	117	17	retirement	retirement	NOUN
fsr-3906	117	18	age	age	NOUN
fsr-3906	117	19	equation	equation	NOUN
fsr-3906	117	20	that	that	PRON
fsr-3906	117	21	includes	include	VERB
fsr-3906	117	22	a	a	DET
fsr-3906	117	23	variable	variable	NOUN
fsr-3906	117	24	to	to	PART
fsr-3906	117	25	correct	correct	VERB
fsr-3906	117	26	for	for	ADP
fsr-3906	117	27	potential	potential	ADJ
fsr-3906	117	28	selection	selection	NOUN
fsr-3906	117	29	bias	bias	NOUN
fsr-3906	117	30	.	.	PUNCT
fsr-3906	118	1	in	in	ADP
fsr-3906	118	2	the	the	DET
fsr-3906	118	3	first	first	ADJ
fsr-3906	118	4	step	step	NOUN
fsr-3906	118	5	,	,	PUNCT
fsr-3906	118	6	probit	probit	NOUN
fsr-3906	118	7	analysis	analysis	NOUN
fsr-3906	118	8	is	be	AUX
fsr-3906	118	9	used	use	VERB
fsr-3906	118	10	to	to	PART
fsr-3906	118	11	estimate	estimate	VERB
fsr-3906	118	12	the	the	DET
fsr-3906	118	13	probability	probability	NOUN
fsr-3906	118	14	of	of	ADP
fsr-3906	118	15	working	work	VERB
fsr-3906	118	16	full	full	ADJ
fsr-3906	118	17	-	-	PUNCT
fsr-3906	118	18	time	time	NOUN
fsr-3906	118	19	for	for	ADP
fsr-3906	118	20	the	the	DET
fsr-3906	118	21	full	full	ADJ
fsr-3906	118	22	sample	sample	NOUN
fsr-3906	118	23	of	of	ADP
fsr-3906	118	24	heads	head	NOUN
fsr-3906	118	25	of	of	ADP
fsr-3906	118	26	household	household	NOUN
fsr-3906	118	27	age	age	NOUN
fsr-3906	118	28	35	35	NUM
fsr-3906	118	29	to	to	PART
fsr-3906	118	30	70	70	NUM
fsr-3906	118	31	years	year	NOUN
fsr-3906	118	32	.	.	PUNCT
fsr-3906	119	1	the	the	DET
fsr-3906	119	2	probit	probit	NOUN
fsr-3906	119	3	results	result	NOUN
fsr-3906	119	4	are	be	AUX
fsr-3906	119	5	then	then	ADV
fsr-3906	119	6	used	use	VERB
fsr-3906	119	7	to	to	PART
fsr-3906	119	8	calculate	calculate	VERB
fsr-3906	119	9	the	the	DET
fsr-3906	119	10	selection	selection	NOUN
fsr-3906	119	11	bias	bias	NOUN
fsr-3906	119	12	correction	correction	NOUN
fsr-3906	119	13	variable	variable	NOUN
fsr-3906	119	14	(	(	PUNCT
fsr-3906	119	15	also	also	ADV
fsr-3906	119	16	referred	refer	VERB
fsr-3906	119	17	to	to	ADP
fsr-3906	119	18	as	as	ADP
fsr-3906	119	19	the	the	DET
fsr-3906	119	20	inverse	inverse	NOUN
fsr-3906	119	21	mills	mill	NOUN
fsr-3906	119	22	ratio	ratio	NOUN
fsr-3906	119	23	)	)	PUNCT
fsr-3906	119	24	for	for	ADP
fsr-3906	119	25	each	each	DET
fsr-3906	119	26	observation	observation	NOUN
fsr-3906	119	27	.	.	PUNCT
fsr-3906	120	1	in	in	ADP
fsr-3906	120	2	the	the	DET
fsr-3906	120	3	second	second	ADJ
fsr-3906	120	4	step	step	NOUN
fsr-3906	120	5	,	,	PUNCT
fsr-3906	120	6	the	the	DET
fsr-3906	120	7	determinants	determinant	NOUN
fsr-3906	120	8	of	of	ADP
fsr-3906	120	9	planned	plan	VERB
fsr-3906	120	10	retirement	retirement	NOUN
fsr-3906	120	11	age	age	NOUN
fsr-3906	120	12	are	be	AUX
fsr-3906	120	13	estimated	estimate	VERB
fsr-3906	120	14	by	by	ADP
fsr-3906	120	15	ordinary	ordinary	ADJ
fsr-3906	120	16	least	least	ADJ
fsr-3906	120	17	squares	square	NOUN
fsr-3906	120	18	on	on	ADP
fsr-3906	120	19	the	the	DET
fsr-3906	120	20	sub	sub	NOUN
fsr-3906	120	21	sample	sample	NOUN
fsr-3906	120	22	of	of	ADP
fsr-3906	120	23	heads	head	NOUN
fsr-3906	120	24	of	of	ADP
fsr-3906	120	25	household	household	NOUN
fsr-3906	120	26	age	age	NOUN
fsr-3906	120	27	35	35	NUM
fsr-3906	120	28	to	to	ADP
fsr-3906	120	29	70	70	NUM
fsr-3906	120	30	years	year	NOUN
fsr-3906	120	31	who	who	PRON
fsr-3906	120	32	were	be	AUX
fsr-3906	120	33	currently	currently	ADV
fsr-3906	120	34	working	work	VERB
fsr-3906	120	35	full	full	ADJ
fsr-3906	120	36	-	-	PUNCT
fsr-3906	120	37	time	time	NOUN
fsr-3906	120	38	.	.	PUNCT
fsr-3906	121	1	the	the	DET
fsr-3906	121	2	selection	selection	NOUN
fsr-3906	121	3	bias	bias	NOUN
fsr-3906	121	4	correction	correction	NOUN
fsr-3906	121	5	variable	variable	NOUN
fsr-3906	121	6	is	be	AUX
fsr-3906	121	7	used	use	VERB
fsr-3906	121	8	as	as	ADP
fsr-3906	121	9	an	an	DET
fsr-3906	121	10	independent	independent	ADJ
fsr-3906	121	11	fig	fig	NOUN
fsr-3906	121	12	.	.	PUNCT
fsr-3906	122	1	1	1	X
fsr-3906	122	2	.	.	X
fsr-3906	122	3	cumulative	cumulative	ADJ
fsr-3906	122	4	distribution	distribution	NOUN
fsr-3906	122	5	of	of	ADP
fsr-3906	122	6	planned	plan	VERB
fsr-3906	122	7	retirement	retirement	NOUN
fsr-3906	122	8	age	age	NOUN
fsr-3906	122	9	.	.	PUNCT
fsr-3906	123	1	6	6	NUM
fsr-3906	123	2	c.p	c.p	PROPN
fsr-3906	123	3	.	.	PROPN
fsr-3906	123	4	montalto	montalto	PROPN
fsr-3906	123	5	et	et	PROPN
fsr-3906	123	6	al	al	PROPN
fsr-3906	123	7	.	.	PUNCT
fsr-3906	123	8	/	/	SYM
fsr-3906	123	9	financial	financial	ADJ
fsr-3906	123	10	services	service	NOUN
fsr-3906	123	11	review	review	VERB
fsr-3906	123	12	9	9	NUM
fsr-3906	123	13	(	(	PUNCT
fsr-3906	123	14	2000	2000	NUM
fsr-3906	123	15	)	)	PUNCT
fsr-3906	123	16	1–15	1–15	PROPN
fsr-3906	123	17	variable	variable	NOUN
fsr-3906	123	18	in	in	ADP
fsr-3906	123	19	this	this	DET
fsr-3906	123	20	equation	equation	NOUN
fsr-3906	123	21	,	,	PUNCT
fsr-3906	123	22	thereby	thereby	ADV
fsr-3906	123	23	producing	produce	VERB
fsr-3906	123	24	consistent	consistent	ADJ
fsr-3906	123	25	estimates	estimate	NOUN
fsr-3906	123	26	of	of	ADP
fsr-3906	123	27	the	the	DET
fsr-3906	123	28	parameters	parameter	NOUN
fsr-3906	123	29	of	of	ADP
fsr-3906	123	30	the	the	DET
fsr-3906	123	31	planned	plan	VERB
fsr-3906	123	32	retirement	retirement	NOUN
fsr-3906	123	33	age	age	NOUN
fsr-3906	123	34	equation	equation	NOUN
fsr-3906	123	35	.	.	PUNCT
fsr-3906	124	1	3.3	3.3	NUM
fsr-3906	124	2	.	.	PUNCT
fsr-3906	124	3	probability	probability	NOUN
fsr-3906	124	4	of	of	ADP
fsr-3906	124	5	working	work	VERB
fsr-3906	124	6	full	full	ADJ
fsr-3906	124	7	-	-	PUNCT
fsr-3906	124	8	time	time	NOUN
fsr-3906	124	9	equation	equation	NOUN
fsr-3906	124	10	the	the	DET
fsr-3906	124	11	probability	probability	NOUN
fsr-3906	124	12	of	of	ADP
fsr-3906	124	13	currently	currently	ADV
fsr-3906	124	14	working	work	VERB
fsr-3906	124	15	full	full	ADJ
fsr-3906	124	16	-	-	PUNCT
fsr-3906	124	17	time	time	NOUN
fsr-3906	124	18	is	be	AUX
fsr-3906	124	19	estimated	estimate	VERB
fsr-3906	124	20	with	with	ADP
fsr-3906	124	21	a	a	DET
fsr-3906	124	22	probit	probit	NOUN
fsr-3906	124	23	regression	regression	NOUN
fsr-3906	124	24	on	on	ADP
fsr-3906	124	25	the	the	DET
fsr-3906	124	26	sample	sample	NOUN
fsr-3906	124	27	of	of	ADP
fsr-3906	124	28	heads	head	NOUN
fsr-3906	124	29	of	of	ADP
fsr-3906	124	30	household	household	NOUN
fsr-3906	124	31	age	age	NOUN
fsr-3906	124	32	35	35	NUM
fsr-3906	124	33	to	to	PART
fsr-3906	124	34	70	70	NUM
fsr-3906	124	35	years	year	NOUN
fsr-3906	124	36	(	(	PUNCT
fsr-3906	124	37	n	n	ADV
fsr-3906	124	38	5	5	NUM
fsr-3906	124	39	2,731	2,731	NUM
fsr-3906	124	40	)	)	PUNCT
fsr-3906	124	41	.	.	PUNCT
fsr-3906	125	1	the	the	DET
fsr-3906	125	2	dependent	dependent	ADJ
fsr-3906	125	3	variable	variable	NOUN
fsr-3906	125	4	is	be	AUX
fsr-3906	125	5	a	a	DET
fsr-3906	125	6	dichotomous	dichotomous	ADJ
fsr-3906	125	7	variable	variable	NOUN
fsr-3906	125	8	equal	equal	ADJ
fsr-3906	125	9	to	to	ADP
fsr-3906	125	10	one	one	NUM
fsr-3906	125	11	if	if	SCONJ
fsr-3906	125	12	the	the	DET
fsr-3906	125	13	respondent	respondent	NOUN
fsr-3906	125	14	is	be	AUX
fsr-3906	125	15	currently	currently	ADV
fsr-3906	125	16	working	work	VERB
fsr-3906	125	17	full	full	ADJ
fsr-3906	125	18	-	-	PUNCT
fsr-3906	125	19	time	time	NOUN
fsr-3906	125	20	,	,	PUNCT
fsr-3906	125	21	zero	zero	NUM
fsr-3906	125	22	otherwise	otherwise	ADV
fsr-3906	125	23	.	.	PUNCT
fsr-3906	126	1	independent	independent	ADJ
fsr-3906	126	2	variables	variable	NOUN
fsr-3906	126	3	include	include	VERB
fsr-3906	126	4	variables	variable	NOUN
fsr-3906	126	5	capturing	capture	VERB
fsr-3906	126	6	potential	potential	ADJ
fsr-3906	126	7	barriers	barrier	NOUN
fsr-3906	126	8	to	to	ADP
fsr-3906	126	9	full	full	ADJ
fsr-3906	126	10	-	-	PUNCT
fsr-3906	126	11	time	time	NOUN
fsr-3906	126	12	employment	employment	NOUN
fsr-3906	126	13	as	as	ADV
fsr-3906	126	14	well	well	ADV
fsr-3906	126	15	as	as	ADP
fsr-3906	126	16	the	the	DET
fsr-3906	126	17	standard	standard	ADJ
fsr-3906	126	18	human	human	ADJ
fsr-3906	126	19	capital	capital	NOUN
fsr-3906	126	20	variables	variable	NOUN
fsr-3906	126	21	.	.	PUNCT
fsr-3906	127	1	the	the	PRON
fsr-3906	127	2	probit	probit	NOUN
fsr-3906	127	3	estimating	estimate	VERB
fsr-3906	127	4	equation	equation	NOUN
fsr-3906	127	5	contains	contain	VERB
fsr-3906	127	6	eighteen	eighteen	NUM
fsr-3906	127	7	independent	independent	ADJ
fsr-3906	127	8	variables	variable	NOUN
fsr-3906	127	9	and	and	CCONJ
fsr-3906	127	10	can	can	AUX
fsr-3906	127	11	be	be	AUX
fsr-3906	127	12	represented	represent	VERB
fsr-3906	127	13	as	as	ADP
fsr-3906	127	14	full	full	ADJ
fsr-3906	127	15	-	-	PUNCT
fsr-3906	127	16	time	time	NOUN
fsr-3906	127	17	5	5	NUM
fsr-3906	127	18	b0	b0	NOUN
fsr-3906	127	19	1	1	NUM
fsr-3906	127	20	b1	b1	NOUN
fsr-3906	127	21	black	black	ADJ
fsr-3906	127	22	non	non	ADJ
fsr-3906	127	23	-	-	ADJ
fsr-3906	127	24	hispanic1	hispanic1	ADJ
fsr-3906	127	25	b2	b2	NOUN
fsr-3906	127	26	hispanic1	hispanic1	PROPN
fsr-3906	127	27	b3	b3	PROPN
fsr-3906	127	28	other	other	ADJ
fsr-3906	127	29	1	1	NUM
fsr-3906	127	30	b4	b4	NOUN
fsr-3906	127	31	unmarried	unmarried	ADJ
fsr-3906	127	32	male	male	NOUN
fsr-3906	127	33	,	,	PUNCT
fsr-3906	127	34	living	live	VERB
fsr-3906	127	35	alone1	alone1	PROPN
fsr-3906	127	36	b5	b5	PROPN
fsr-3906	127	37	unmarried	unmarried	ADJ
fsr-3906	127	38	female	female	NOUN
fsr-3906	127	39	,	,	PUNCT
fsr-3906	127	40	living	live	VERB
fsr-3906	127	41	alone	alone	ADJ
fsr-3906	127	42	1	1	NUM
fsr-3906	127	43	b6	b6	NOUN
fsr-3906	127	44	unmarried	unmarried	ADJ
fsr-3906	127	45	male	male	NOUN
fsr-3906	127	46	,	,	PUNCT
fsr-3906	127	47	living	live	VERB
fsr-3906	127	48	with	with	ADP
fsr-3906	127	49	others1	others1	NOUN
fsr-3906	127	50	b7	b7	PROPN
fsr-3906	127	51	unmarried	unmarried	ADJ
fsr-3906	127	52	female	female	NOUN
fsr-3906	127	53	,	,	PUNCT
fsr-3906	127	54	living	live	VERB
fsr-3906	127	55	with	with	ADP
fsr-3906	127	56	others	other	NOUN
fsr-3906	127	57	1	1	NUM
fsr-3906	127	58	b8	b8	PROPN
fsr-3906	127	59	poor	poor	ADJ
fsr-3906	127	60	health1	health1	NOUN
fsr-3906	127	61	b9	b9	PROPN
fsr-3906	127	62	children	child	NOUN
fsr-3906	127	63	under	under	ADP
fsr-3906	127	64	6	6	NUM
fsr-3906	127	65	years1	years1	NOUN
fsr-3906	127	66	b10	b10	PROPN
fsr-3906	127	67	children	child	NOUN
fsr-3906	127	68	6	6	NUM
fsr-3906	127	69	to	to	PART
fsr-3906	127	70	17	17	NUM
fsr-3906	127	71	years	year	NOUN
fsr-3906	127	72	1	1	NUM
fsr-3906	127	73	b11	b11	PROPN
fsr-3906	127	74	high	high	ADJ
fsr-3906	127	75	school1	school1	NOUN
fsr-3906	127	76	b12	b12	NOUN
fsr-3906	127	77	some	some	DET
fsr-3906	127	78	college1	college1	ADJ
fsr-3906	127	79	b13	b13	NOUN
fsr-3906	127	80	college	college	NOUN
fsr-3906	127	81	grad1	grad1	NOUN
fsr-3906	127	82	b14	b14	NOUN
fsr-3906	127	83	age	age	NOUN
fsr-3906	127	84	1	1	NUM
fsr-3906	127	85	b15	b15	NOUN
fsr-3906	127	86	age	age	NOUN
fsr-3906	127	87	over	over	ADP
fsr-3906	127	88	451	451	NUM
fsr-3906	127	89	b16	b16	NOUN
fsr-3906	127	90	age	age	NOUN
fsr-3906	127	91	over	over	ADP
fsr-3906	127	92	551	551	NUM
fsr-3906	127	93	b17	b17	NOUN
fsr-3906	127	94	age	age	NOUN
fsr-3906	127	95	over	over	ADP
fsr-3906	127	96	651	651	NUM
fsr-3906	127	97	b18	b18	ADJ
fsr-3906	127	98	experience	experience	NOUN
fsr-3906	127	99	(	(	PUNCT
fsr-3906	127	100	1	1	NUM
fsr-3906	127	101	)	)	PUNCT
fsr-3906	127	102	potential	potential	ADJ
fsr-3906	127	103	barriers	barrier	NOUN
fsr-3906	127	104	to	to	ADP
fsr-3906	127	105	full	full	ADJ
fsr-3906	127	106	-	-	PUNCT
fsr-3906	127	107	time	time	NOUN
fsr-3906	127	108	employment	employment	NOUN
fsr-3906	127	109	are	be	AUX
fsr-3906	127	110	measured	measure	VERB
fsr-3906	127	111	with	with	ADP
fsr-3906	127	112	categorical	categorical	ADJ
fsr-3906	127	113	dichotomous	dichotomous	ADJ
fsr-3906	127	114	variables	variable	NOUN
fsr-3906	127	115	for	for	ADP
fsr-3906	127	116	race	race	NOUN
fsr-3906	127	117	/	/	SYM
fsr-3906	127	118	ethnicity	ethnicity	NOUN
fsr-3906	127	119	and	and	CCONJ
fsr-3906	127	120	marital	marital	ADJ
fsr-3906	127	121	status	status	NOUN
fsr-3906	127	122	/	/	SYM
fsr-3906	127	123	living	living	NOUN
fsr-3906	127	124	arrangement	arrangement	NOUN
fsr-3906	127	125	,	,	PUNCT
fsr-3906	127	126	and	and	CCONJ
fsr-3906	127	127	dichotomous	dichotomous	ADJ
fsr-3906	127	128	variables	variable	NOUN
fsr-3906	127	129	for	for	ADP
fsr-3906	127	130	self	self	NOUN
fsr-3906	127	131	-	-	PUNCT
fsr-3906	127	132	reported	report	VERB
fsr-3906	127	133	poor	poor	ADJ
fsr-3906	127	134	health	health	NOUN
fsr-3906	127	135	of	of	ADP
fsr-3906	127	136	the	the	DET
fsr-3906	127	137	respondent	respondent	NOUN
fsr-3906	127	138	,	,	PUNCT
fsr-3906	127	139	presence	presence	NOUN
fsr-3906	127	140	of	of	ADP
fsr-3906	127	141	children	child	NOUN
fsr-3906	127	142	under	under	ADP
fsr-3906	127	143	age	age	NOUN
fsr-3906	127	144	6	6	NUM
fsr-3906	127	145	in	in	ADP
fsr-3906	127	146	the	the	DET
fsr-3906	127	147	household	household	NOUN
fsr-3906	127	148	,	,	PUNCT
fsr-3906	127	149	and	and	CCONJ
fsr-3906	127	150	presence	presence	NOUN
fsr-3906	127	151	of	of	ADP
fsr-3906	127	152	children	child	NOUN
fsr-3906	127	153	6	6	NUM
fsr-3906	127	154	to	to	PART
fsr-3906	127	155	17	17	NUM
fsr-3906	127	156	years	year	NOUN
fsr-3906	127	157	of	of	ADP
fsr-3906	127	158	age	age	NOUN
fsr-3906	127	159	in	in	ADP
fsr-3906	127	160	the	the	DET
fsr-3906	127	161	household	household	NOUN
fsr-3906	127	162	.	.	PUNCT
fsr-3906	128	1	human	human	ADJ
fsr-3906	128	2	capital	capital	NOUN
fsr-3906	128	3	is	be	AUX
fsr-3906	128	4	measured	measure	VERB
fsr-3906	128	5	with	with	ADP
fsr-3906	128	6	categorical	categorical	ADJ
fsr-3906	128	7	dichotomous	dichotomous	ADJ
fsr-3906	128	8	variables	variable	NOUN
fsr-3906	128	9	for	for	ADP
fsr-3906	128	10	education	education	NOUN
fsr-3906	128	11	,	,	PUNCT
fsr-3906	128	12	a	a	DET
fsr-3906	128	13	spline	spline	NOUN
fsr-3906	128	14	variable	variable	NOUN
fsr-3906	128	15	for	for	ADP
fsr-3906	128	16	respondent	respondent	NOUN
fsr-3906	128	17	’s	’s	PART
fsr-3906	128	18	age	age	NOUN
fsr-3906	128	19	(	(	PUNCT
fsr-3906	128	20	suits	suit	NOUN
fsr-3906	128	21	,	,	PUNCT
fsr-3906	128	22	mason	mason	PROPN
fsr-3906	128	23	&	&	CCONJ
fsr-3906	128	24	chan	chan	PROPN
fsr-3906	128	25	,	,	PUNCT
fsr-3906	128	26	1978	1978	NUM
fsr-3906	128	27	)	)	PUNCT
fsr-3906	128	28	,	,	PUNCT
fsr-3906	128	29	and	and	CCONJ
fsr-3906	128	30	a	a	DET
fsr-3906	128	31	continuous	continuous	ADJ
fsr-3906	128	32	variable	variable	NOUN
fsr-3906	128	33	measuring	measure	VERB
fsr-3906	128	34	the	the	DET
fsr-3906	128	35	respondent	respondent	NOUN
fsr-3906	128	36	’s	’s	PART
fsr-3906	128	37	previous	previous	ADJ
fsr-3906	128	38	years	year	NOUN
fsr-3906	128	39	of	of	ADP
fsr-3906	128	40	full	full	ADJ
fsr-3906	128	41	-	-	PUNCT
fsr-3906	128	42	time	time	NOUN
fsr-3906	128	43	work	work	NOUN
fsr-3906	128	44	experience	experience	NOUN
fsr-3906	128	45	.	.	PUNCT
fsr-3906	129	1	means	mean	VERB
fsr-3906	129	2	for	for	ADP
fsr-3906	129	3	the	the	DET
fsr-3906	129	4	continuous	continuous	ADJ
fsr-3906	129	5	variables	variable	NOUN
fsr-3906	129	6	and	and	CCONJ
fsr-3906	129	7	percentages	percentage	NOUN
fsr-3906	129	8	for	for	ADP
fsr-3906	129	9	the	the	DET
fsr-3906	129	10	dichotomous	dichotomous	ADJ
fsr-3906	129	11	variables	variable	NOUN
fsr-3906	129	12	are	be	AUX
fsr-3906	129	13	presented	present	VERB
fsr-3906	129	14	in	in	ADP
fsr-3906	129	15	table	table	NOUN
fsr-3906	129	16	1	1	NUM
fsr-3906	129	17	.	.	PUNCT
fsr-3906	130	1	the	the	DET
fsr-3906	130	2	probit	probit	NOUN
fsr-3906	130	3	equation	equation	NOUN
fsr-3906	130	4	is	be	AUX
fsr-3906	130	5	estimated	estimate	VERB
fsr-3906	130	6	on	on	ADP
fsr-3906	130	7	the	the	DET
fsr-3906	130	8	combined	combine	VERB
fsr-3906	130	9	data	datum	NOUN
fsr-3906	130	10	from	from	ADP
fsr-3906	130	11	the	the	DET
fsr-3906	130	12	five	five	NUM
fsr-3906	130	13	implicates	implicate	NOUN
fsr-3906	130	14	of	of	ADP
fsr-3906	130	15	the	the	DET
fsr-3906	130	16	survey	survey	NOUN
fsr-3906	130	17	of	of	ADP
fsr-3906	130	18	consumer	consumer	NOUN
fsr-3906	130	19	finances	finance	NOUN
fsr-3906	130	20	,	,	PUNCT
fsr-3906	130	21	resulting	result	VERB
fsr-3906	130	22	in	in	ADP
fsr-3906	130	23	unbiased	unbiased	ADJ
fsr-3906	130	24	coefficient	coefficient	NOUN
fsr-3906	130	25	estimates	estimate	NOUN
fsr-3906	130	26	.	.	PUNCT
fsr-3906	131	1	in	in	ADP
fsr-3906	131	2	order	order	NOUN
fsr-3906	131	3	to	to	PART
fsr-3906	131	4	correct	correct	VERB
fsr-3906	131	5	the	the	DET
fsr-3906	131	6	standard	standard	ADJ
fsr-3906	131	7	errors	error	NOUN
fsr-3906	131	8	for	for	ADP
fsr-3906	131	9	imputation	imputation	NOUN
fsr-3906	131	10	error	error	NOUN
fsr-3906	131	11	,	,	PUNCT
fsr-3906	131	12	the	the	DET
fsr-3906	131	13	estimated	estimate	VERB
fsr-3906	131	14	covariance	covariance	NOUN
fsr-3906	131	15	matrix	matrix	NOUN
fsr-3906	131	16	of	of	ADP
fsr-3906	131	17	the	the	DET
fsr-3906	131	18	estimated	estimate	VERB
fsr-3906	131	19	coefficients	coefficient	NOUN
fsr-3906	131	20	is	be	AUX
fsr-3906	131	21	needed	need	VERB
fsr-3906	131	22	.	.	PUNCT
fsr-3906	132	1	the	the	DET
fsr-3906	132	2	probit	probit	NOUN
fsr-3906	132	3	procedure	procedure	NOUN
fsr-3906	132	4	in	in	ADP
fsr-3906	132	5	sas	sas	PROPN
fsr-3906	132	6	does	do	AUX
fsr-3906	132	7	not	not	PART
fsr-3906	132	8	generate	generate	VERB
fsr-3906	132	9	this	this	DET
fsr-3906	132	10	matrix	matrix	NOUN
fsr-3906	132	11	when	when	SCONJ
fsr-3906	132	12	the	the	DET
fsr-3906	132	13	model	model	NOUN
fsr-3906	132	14	includes	include	VERB
fsr-3906	132	15	dichotomous	dichotomous	ADJ
fsr-3906	132	16	variables	variable	NOUN
fsr-3906	132	17	as	as	ADP
fsr-3906	132	18	dependent	dependent	ADJ
fsr-3906	132	19	or	or	CCONJ
fsr-3906	132	20	independent	independent	ADJ
fsr-3906	132	21	variables	variable	NOUN
fsr-3906	132	22	(	(	PUNCT
fsr-3906	132	23	sas	sas	PROPN
fsr-3906	132	24	institute	institute	PROPN
fsr-3906	132	25	inc	inc	PROPN
fsr-3906	132	26	.	.	PROPN
fsr-3906	132	27	,	,	PUNCT
fsr-3906	132	28	1990	1990	NUM
fsr-3906	132	29	,	,	PUNCT
fsr-3906	132	30	p.	p.	NOUN
fsr-3906	132	31	1338	1338	NUM
fsr-3906	132	32	)	)	PUNCT
fsr-3906	132	33	.	.	PUNCT
fsr-3906	133	1	as	as	ADP
fsr-3906	133	2	a	a	DET
fsr-3906	133	3	result	result	NOUN
fsr-3906	133	4	,	,	PUNCT
fsr-3906	133	5	the	the	DET
fsr-3906	133	6	standard	standard	ADJ
fsr-3906	133	7	errors	error	NOUN
fsr-3906	133	8	can	can	AUX
fsr-3906	133	9	not	not	PART
fsr-3906	133	10	be	be	AUX
fsr-3906	133	11	corrected	correct	VERB
fsr-3906	133	12	for	for	ADP
fsr-3906	133	13	imputation	imputation	NOUN
fsr-3906	133	14	error	error	NOUN
fsr-3906	133	15	,	,	PUNCT
fsr-3906	133	16	and	and	CCONJ
fsr-3906	133	17	the	the	DET
fsr-3906	133	18	statistical	statistical	ADJ
fsr-3906	133	19	significance	significance	NOUN
fsr-3906	133	20	of	of	ADP
fsr-3906	133	21	the	the	DET
fsr-3906	133	22	coefficient	coefficient	NOUN
fsr-3906	133	23	estimates	estimate	NOUN
fsr-3906	133	24	may	may	AUX
fsr-3906	133	25	be	be	AUX
fsr-3906	133	26	overestimated	overestimate	VERB
fsr-3906	133	27	.	.	PUNCT
fsr-3906	134	1	however	however	ADV
fsr-3906	134	2	,	,	PUNCT
fsr-3906	134	3	since	since	SCONJ
fsr-3906	134	4	the	the	DET
fsr-3906	134	5	purpose	purpose	NOUN
fsr-3906	134	6	of	of	ADP
fsr-3906	134	7	the	the	DET
fsr-3906	134	8	probit	probit	NOUN
fsr-3906	134	9	equation	equation	NOUN
fsr-3906	134	10	is	be	AUX
fsr-3906	134	11	to	to	PART
fsr-3906	134	12	generate	generate	VERB
fsr-3906	134	13	the	the	DET
fsr-3906	134	14	selection	selection	NOUN
fsr-3906	134	15	bias	bias	NOUN
fsr-3906	134	16	correction	correction	NOUN
fsr-3906	134	17	variable	variable	NOUN
fsr-3906	134	18	,	,	PUNCT
fsr-3906	134	19	the	the	DET
fsr-3906	134	20	criteria	criterion	NOUN
fsr-3906	134	21	of	of	ADP
fsr-3906	134	22	unbiased	unbiased	ADJ
fsr-3906	134	23	coefficient	coefficient	NOUN
fsr-3906	134	24	estimates	estimate	NOUN
fsr-3906	134	25	is	be	AUX
fsr-3906	134	26	relatively	relatively	ADV
fsr-3906	134	27	more	more	ADV
fsr-3906	134	28	important	important	ADJ
fsr-3906	134	29	,	,	PUNCT
fsr-3906	134	30	and	and	CCONJ
fsr-3906	134	31	the	the	DET
fsr-3906	134	32	significance	significance	NOUN
fsr-3906	134	33	of	of	ADP
fsr-3906	134	34	relationships	relationship	NOUN
fsr-3906	134	35	of	of	ADP
fsr-3906	134	36	lesser	less	ADJ
fsr-3906	134	37	importance	importance	NOUN
fsr-3906	134	38	in	in	ADP
fsr-3906	134	39	this	this	DET
fsr-3906	134	40	application	application	NOUN
fsr-3906	134	41	.	.	PUNCT
fsr-3906	135	1	3.4	3.4	NUM
fsr-3906	135	2	.	.	PUNCT
fsr-3906	135	3	planned	plan	VERB
fsr-3906	135	4	retirement	retirement	NOUN
fsr-3906	135	5	age	age	NOUN
fsr-3906	135	6	equation	equation	NOUN
fsr-3906	135	7	the	the	DET
fsr-3906	135	8	determinants	determinant	NOUN
fsr-3906	135	9	of	of	ADP
fsr-3906	135	10	planned	plan	VERB
fsr-3906	135	11	retirement	retirement	NOUN
fsr-3906	135	12	age	age	NOUN
fsr-3906	135	13	are	be	AUX
fsr-3906	135	14	estimated	estimate	VERB
fsr-3906	135	15	by	by	ADP
fsr-3906	135	16	ordinary	ordinary	ADJ
fsr-3906	135	17	least	least	ADJ
fsr-3906	135	18	squares	square	NOUN
fsr-3906	135	19	on	on	ADP
fsr-3906	135	20	the	the	DET
fsr-3906	135	21	sub	sub	NOUN
fsr-3906	135	22	-	-	NOUN
fsr-3906	135	23	sample	sample	NOUN
fsr-3906	135	24	of	of	ADP
fsr-3906	135	25	heads	head	NOUN
fsr-3906	135	26	of	of	ADP
fsr-3906	135	27	household	household	NOUN
fsr-3906	135	28	age	age	NOUN
fsr-3906	135	29	35	35	NUM
fsr-3906	135	30	to	to	ADP
fsr-3906	135	31	70	70	NUM
fsr-3906	135	32	years	year	NOUN
fsr-3906	135	33	who	who	PRON
fsr-3906	135	34	were	be	AUX
fsr-3906	135	35	currently	currently	ADV
fsr-3906	135	36	working	work	VERB
fsr-3906	135	37	full	full	ADJ
fsr-3906	135	38	-	-	PUNCT
fsr-3906	135	39	time	time	NOUN
fsr-3906	135	40	.	.	PUNCT
fsr-3906	136	1	repeated	repeat	VERB
fsr-3906	136	2	-	-	PUNCT
fsr-3906	136	3	imputation	imputation	NOUN
fsr-3906	136	4	inference	inference	NOUN
fsr-3906	136	5	(	(	PUNCT
fsr-3906	136	6	rii	rii	NOUN
fsr-3906	136	7	)	)	PUNCT
fsr-3906	136	8	techniques	technique	NOUN
fsr-3906	136	9	are	be	AUX
fsr-3906	136	10	used	use	VERB
fsr-3906	136	11	to	to	PART
fsr-3906	136	12	combine	combine	VERB
fsr-3906	136	13	data	datum	NOUN
fsr-3906	136	14	from	from	ADP
fsr-3906	136	15	all	all	DET
fsr-3906	136	16	five	five	NUM
fsr-3906	136	17	implicates	implicate	NOUN
fsr-3906	136	18	of	of	ADP
fsr-3906	136	19	the	the	DET
fsr-3906	136	20	survey	survey	NOUN
fsr-3906	136	21	of	of	ADP
fsr-3906	136	22	consumer	consumer	NOUN
fsr-3906	136	23	finances	finance	NOUN
fsr-3906	136	24	to	to	PART
fsr-3906	136	25	generate	generate	VERB
fsr-3906	136	26	the	the	DET
fsr-3906	136	27	coefficient	coefficient	NOUN
fsr-3906	136	28	estimates	estimate	NOUN
fsr-3906	136	29	of	of	ADP
fsr-3906	136	30	the	the	DET
fsr-3906	136	31	7c.p	7c.p	NUM
fsr-3906	136	32	.	.	PUNCT
fsr-3906	136	33	montalto	montalto	PROPN
fsr-3906	136	34	et	et	PROPN
fsr-3906	136	35	al	al	PROPN
fsr-3906	136	36	.	.	PUNCT
fsr-3906	136	37	/	/	SYM
fsr-3906	136	38	financial	financial	ADJ
fsr-3906	136	39	services	service	NOUN
fsr-3906	136	40	review	review	VERB
fsr-3906	136	41	9	9	NUM
fsr-3906	136	42	(	(	PUNCT
fsr-3906	136	43	2000	2000	NUM
fsr-3906	136	44	)	)	PUNCT
fsr-3906	136	45	1–15	1–15	PROPN
fsr-3906	136	46	planned	plan	VERB
fsr-3906	136	47	retirement	retirement	NOUN
fsr-3906	136	48	age	age	NOUN
fsr-3906	136	49	equation	equation	NOUN
fsr-3906	136	50	.	.	PUNCT
fsr-3906	137	1	standard	standard	ADJ
fsr-3906	137	2	errors	error	NOUN
fsr-3906	137	3	are	be	AUX
fsr-3906	137	4	corrected	correct	VERB
fsr-3906	137	5	for	for	ADP
fsr-3906	137	6	imputation	imputation	NOUN
fsr-3906	137	7	error	error	NOUN
fsr-3906	137	8	to	to	PART
fsr-3906	137	9	enable	enable	VERB
fsr-3906	137	10	valid	valid	ADJ
fsr-3906	137	11	tests	test	NOUN
fsr-3906	137	12	of	of	ADP
fsr-3906	137	13	significance	significance	NOUN
fsr-3906	137	14	of	of	ADP
fsr-3906	137	15	coefficients	coefficient	NOUN
fsr-3906	137	16	.	.	PUNCT
fsr-3906	138	1	the	the	DET
fsr-3906	138	2	dependent	dependent	ADJ
fsr-3906	138	3	variable	variable	NOUN
fsr-3906	138	4	is	be	AUX
fsr-3906	138	5	the	the	DET
fsr-3906	138	6	planned	plan	VERB
fsr-3906	138	7	retirement	retirement	NOUN
fsr-3906	138	8	age	age	NOUN
fsr-3906	138	9	of	of	ADP
fsr-3906	138	10	the	the	DET
fsr-3906	138	11	respondent	respondent	NOUN
fsr-3906	138	12	.	.	PUNCT
fsr-3906	139	1	the	the	DET
fsr-3906	139	2	independent	independent	ADJ
fsr-3906	139	3	variables	variable	NOUN
fsr-3906	139	4	are	be	AUX
fsr-3906	139	5	selected	select	VERB
fsr-3906	139	6	in	in	ADP
fsr-3906	139	7	accordance	accordance	NOUN
fsr-3906	139	8	with	with	ADP
fsr-3906	139	9	the	the	DET
fsr-3906	139	10	conceptual	conceptual	ADJ
fsr-3906	139	11	model	model	NOUN
fsr-3906	139	12	where	where	SCONJ
fsr-3906	139	13	a	a	DET
fsr-3906	139	14	currently	currently	ADV
fsr-3906	139	15	employed	employ	VERB
fsr-3906	139	16	individual	individual	NOUN
fsr-3906	139	17	considers	consider	VERB
fsr-3906	139	18	the	the	DET
fsr-3906	139	19	adequacy	adequacy	NOUN
fsr-3906	139	20	of	of	ADP
fsr-3906	139	21	retirement	retirement	NOUN
fsr-3906	139	22	resources	resource	NOUN
fsr-3906	139	23	,	,	PUNCT
fsr-3906	139	24	the	the	DET
fsr-3906	139	25	feasibility	feasibility	NOUN
fsr-3906	139	26	of	of	ADP
fsr-3906	139	27	continued	continue	VERB
fsr-3906	139	28	employment	employment	NOUN
fsr-3906	139	29	,	,	PUNCT
fsr-3906	139	30	and	and	CCONJ
fsr-3906	139	31	individual	individual	ADJ
fsr-3906	139	32	preferences	preference	NOUN
fsr-3906	139	33	for	for	ADP
fsr-3906	139	34	leisure	leisure	NOUN
fsr-3906	139	35	when	when	SCONJ
fsr-3906	139	36	selecting	select	VERB
fsr-3906	139	37	the	the	DET
fsr-3906	139	38	age	age	NOUN
fsr-3906	139	39	at	at	ADP
fsr-3906	139	40	which	which	PRON
fsr-3906	139	41	retirement	retirement	NOUN
fsr-3906	139	42	will	will	AUX
fsr-3906	139	43	occur	occur	VERB
fsr-3906	139	44	.	.	PUNCT
fsr-3906	140	1	the	the	DET
fsr-3906	140	2	independent	independent	ADJ
fsr-3906	140	3	variables	variable	NOUN
fsr-3906	140	4	include	include	VERB
fsr-3906	140	5	financial	financial	ADJ
fsr-3906	140	6	variables	variable	NOUN
fsr-3906	140	7	and	and	CCONJ
fsr-3906	140	8	variables	variable	NOUN
fsr-3906	140	9	capturing	capture	VERB
fsr-3906	140	10	access	access	NOUN
fsr-3906	140	11	to	to	ADP
fsr-3906	140	12	resources	resource	NOUN
fsr-3906	140	13	,	,	PUNCT
fsr-3906	140	14	characteristics	characteristic	NOUN
fsr-3906	140	15	of	of	ADP
fsr-3906	140	16	employment	employment	NOUN
fsr-3906	140	17	,	,	PUNCT
fsr-3906	140	18	and	and	CCONJ
fsr-3906	140	19	respondent	respondent	VERB
fsr-3906	140	20	demographic	demographic	ADJ
fsr-3906	140	21	characteristics	characteristic	NOUN
fsr-3906	140	22	and	and	CCONJ
fsr-3906	140	23	perceptions	perception	NOUN
fsr-3906	140	24	.	.	PUNCT
fsr-3906	141	1	the	the	DET
fsr-3906	141	2	selection	selection	NOUN
fsr-3906	141	3	bias	bias	NOUN
fsr-3906	141	4	correction	correction	NOUN
fsr-3906	141	5	variable	variable	NOUN
fsr-3906	141	6	is	be	AUX
fsr-3906	141	7	included	include	VERB
fsr-3906	141	8	as	as	ADP
fsr-3906	141	9	an	an	DET
fsr-3906	141	10	independent	independent	ADJ
fsr-3906	141	11	variable	variable	NOUN
fsr-3906	141	12	to	to	PART
fsr-3906	141	13	correct	correct	VERB
fsr-3906	141	14	for	for	ADP
fsr-3906	141	15	potential	potential	ADJ
fsr-3906	141	16	selection	selection	NOUN
fsr-3906	141	17	bias	bias	NOUN
fsr-3906	141	18	.	.	PUNCT
fsr-3906	142	1	means	mean	VERB
fsr-3906	142	2	for	for	ADP
fsr-3906	142	3	the	the	DET
fsr-3906	142	4	continuous	continuous	ADJ
fsr-3906	142	5	variables	variable	NOUN
fsr-3906	142	6	and	and	CCONJ
fsr-3906	142	7	percentages	percentage	NOUN
fsr-3906	142	8	for	for	ADP
fsr-3906	142	9	dichotomous	dichotomous	ADJ
fsr-3906	142	10	variables	variable	NOUN
fsr-3906	142	11	are	be	AUX
fsr-3906	142	12	presented	present	VERB
fsr-3906	142	13	in	in	ADP
fsr-3906	142	14	table	table	NOUN
fsr-3906	142	15	2	2	NUM
fsr-3906	142	16	.	.	PUNCT
fsr-3906	143	1	the	the	DET
fsr-3906	143	2	ordinary	ordinary	ADJ
fsr-3906	143	3	least	least	ADJ
fsr-3906	143	4	squares	square	NOUN
fsr-3906	143	5	regression	regression	NOUN
fsr-3906	143	6	equation	equation	NOUN
fsr-3906	143	7	contains	contain	VERB
fsr-3906	143	8	twenty	twenty	NUM
fsr-3906	143	9	seven	seven	NUM
fsr-3906	143	10	independent	independent	ADJ
fsr-3906	143	11	variables	variable	NOUN
fsr-3906	143	12	and	and	CCONJ
fsr-3906	143	13	can	can	AUX
fsr-3906	143	14	be	be	AUX
fsr-3906	143	15	represented	represent	VERB
fsr-3906	143	16	by	by	ADP
fsr-3906	143	17	table	table	NOUN
fsr-3906	143	18	1	1	NUM
fsr-3906	143	19	descriptive	descriptive	ADJ
fsr-3906	143	20	statistics	statistic	NOUN
fsr-3906	143	21	and	and	CCONJ
fsr-3906	143	22	probit	probit	VERB
fsr-3906	143	23	analysis	analysis	NOUN
fsr-3906	143	24	of	of	ADP
fsr-3906	143	25	the	the	DET
fsr-3906	143	26	probability	probability	NOUN
fsr-3906	143	27	of	of	ADP
fsr-3906	143	28	working	work	VERB
fsr-3906	143	29	full	full	ADJ
fsr-3906	143	30	-	-	PUNCT
fsr-3906	143	31	time	time	NOUN
fsr-3906	143	32	variable	variable	NOUN
fsr-3906	143	33	mean	mean	NOUN
fsr-3906	143	34	percent1	percent1	ADJ
fsr-3906	143	35	probit	probit	NOUN
fsr-3906	143	36	regression2	regression2	NOUN
fsr-3906	143	37	estimate	estimate	NOUN
fsr-3906	144	1	std	std	PROPN
fsr-3906	144	2	.	.	NOUN
fsr-3906	144	3	error	error	NOUN
fsr-3906	144	4	p	p	NOUN
fsr-3906	144	5	-	-	PUNCT
fsr-3906	144	6	value3	value3	NOUN
fsr-3906	144	7	working	work	VERB
fsr-3906	144	8	full	full	ADJ
fsr-3906	144	9	-	-	PUNCT
fsr-3906	144	10	time	time	NOUN
fsr-3906	144	11	(	(	PUNCT
fsr-3906	144	12	dependent	dependent	ADJ
fsr-3906	144	13	variable	variable	NOUN
fsr-3906	144	14	)	)	PUNCT
fsr-3906	144	15	67.4	67.4	NUM
fsr-3906	144	16	%	%	NOUN
fsr-3906	144	17	intercept	intercept	VERB
fsr-3906	144	18	0.5026	0.5026	NUM
fsr-3906	144	19	0.6099	0.6099	NUM
fsr-3906	144	20	0.4099	0.4099	NUM
fsr-3906	144	21	respondent	respondent	NOUN
fsr-3906	144	22	’s	’s	PART
fsr-3906	144	23	race	race	NOUN
fsr-3906	144	24	/	/	SYM
fsr-3906	144	25	ethnicity	ethnicity	NOUN
fsr-3906	144	26	(	(	PUNCT
fsr-3906	144	27	reference	reference	NOUN
fsr-3906	144	28	category	category	NOUN
fsr-3906	144	29	:	:	PUNCT
fsr-3906	144	30	white	white	ADJ
fsr-3906	144	31	non	non	ADJ
fsr-3906	144	32	-	-	ADJ
fsr-3906	144	33	hispanic	hispanic	ADJ
fsr-3906	144	34	)	)	PUNCT
fsr-3906	144	35	black	black	ADJ
fsr-3906	144	36	non	non	ADJ
fsr-3906	144	37	-	-	ADJ
fsr-3906	144	38	hispanic	hispanic	ADJ
fsr-3906	144	39	12.6	12.6	NUM
fsr-3906	144	40	%	%	NOUN
fsr-3906	144	41	20.2844	20.2844	NUM
fsr-3906	144	42	0.1116	0.1116	NUM
fsr-3906	144	43	0.0109	0.0109	NUM
fsr-3906	144	44	*	*	PUNCT
fsr-3906	144	45	hispanic	hispanic	ADJ
fsr-3906	144	46	5.7	5.7	NUM
fsr-3906	144	47	%	%	NOUN
fsr-3906	144	48	20.1621	20.1621	NUM
fsr-3906	144	49	0.1540	0.1540	NUM
fsr-3906	144	50	0.2926	0.2926	NUM
fsr-3906	144	51	other	other	ADJ
fsr-3906	144	52	races	race	NOUN
fsr-3906	144	53	4.2	4.2	NUM
fsr-3906	144	54	%	%	NOUN
fsr-3906	144	55	0.1842	0.1842	NUM
fsr-3906	144	56	0.1566	0.1566	NUM
fsr-3906	144	57	0.2396	0.2396	NUM
fsr-3906	144	58	marital	marital	ADJ
fsr-3906	144	59	status	status	NOUN
fsr-3906	144	60	/	/	SYM
fsr-3906	144	61	living	living	NOUN
fsr-3906	144	62	arrangement	arrangement	NOUN
fsr-3906	144	63	(	(	PUNCT
fsr-3906	144	64	reference	reference	NOUN
fsr-3906	144	65	category	category	NOUN
fsr-3906	144	66	:	:	PUNCT
fsr-3906	144	67	married	married	ADJ
fsr-3906	144	68	or	or	CCONJ
fsr-3906	144	69	living	live	VERB
fsr-3906	144	70	with	with	ADP
fsr-3906	144	71	partner	partner	NOUN
fsr-3906	144	72	)	)	PUNCT
fsr-3906	144	73	unmarried	unmarried	ADJ
fsr-3906	144	74	male	male	NOUN
fsr-3906	144	75	,	,	PUNCT
fsr-3906	144	76	living	live	VERB
fsr-3906	144	77	alone	alone	ADV
fsr-3906	144	78	7.3	7.3	NUM
fsr-3906	144	79	%	%	NOUN
fsr-3906	144	80	20.2421	20.2421	NUM
fsr-3906	144	81	0.1189	0.1189	NUM
fsr-3906	145	1	0.0417	0.0417	NUM
fsr-3906	145	2	*	*	ADJ
fsr-3906	145	3	unmarried	unmarried	ADJ
fsr-3906	145	4	female	female	NOUN
fsr-3906	145	5	,	,	PUNCT
fsr-3906	145	6	living	live	VERB
fsr-3906	145	7	alone	alone	ADV
fsr-3906	145	8	11.9	11.9	NUM
fsr-3906	145	9	%	%	NOUN
fsr-3906	145	10	20.2662	20.2662	NUM
fsr-3906	145	11	0.1207	0.1207	NUM
fsr-3906	145	12	0.0274	0.0274	NUM
fsr-3906	145	13	*	*	NUM
fsr-3906	145	14	unmarried	unmarried	ADJ
fsr-3906	145	15	male	male	NOUN
fsr-3906	145	16	,	,	PUNCT
fsr-3906	145	17	living	live	VERB
fsr-3906	145	18	with	with	ADP
fsr-3906	145	19	others	other	NOUN
fsr-3906	145	20	3.9	3.9	NUM
fsr-3906	145	21	%	%	NOUN
fsr-3906	145	22	20.3032	20.3032	NUM
fsr-3906	145	23	0.1782	0.1782	NUM
fsr-3906	145	24	0.0889	0.0889	NUM
fsr-3906	145	25	unmarried	unmarried	ADJ
fsr-3906	145	26	female	female	NOUN
fsr-3906	145	27	,	,	PUNCT
fsr-3906	145	28	living	live	VERB
fsr-3906	145	29	with	with	ADP
fsr-3906	145	30	others	other	NOUN
fsr-3906	145	31	13.1	13.1	NUM
fsr-3906	145	32	%	%	NOUN
fsr-3906	145	33	20.2832	20.2832	NUM
fsr-3906	145	34	0.1088	0.1088	NUM
fsr-3906	145	35	0.0092	0.0092	NUM
fsr-3906	145	36	*	*	PUNCT
fsr-3906	145	37	*	*	PUNCT
fsr-3906	145	38	respondent	respondent	NOUN
fsr-3906	145	39	self	self	NOUN
fsr-3906	145	40	reports	report	VERB
fsr-3906	145	41	poor	poor	ADJ
fsr-3906	145	42	health	health	NOUN
fsr-3906	145	43	6.3	6.3	NUM
fsr-3906	145	44	%	%	NOUN
fsr-3906	145	45	21.4016	21.4016	NUM
fsr-3906	145	46	0.1607	0.1607	NUM
fsr-3906	145	47	0.0001	0.0001	NUM
fsr-3906	145	48	*	*	PUNCT
fsr-3906	145	49	*	*	PUNCT
fsr-3906	145	50	*	*	PUNCT
fsr-3906	145	51	presence	presence	NOUN
fsr-3906	145	52	of	of	ADP
fsr-3906	145	53	children	child	NOUN
fsr-3906	145	54	,	,	PUNCT
fsr-3906	145	55	age	age	NOUN
fsr-3906	145	56	6	6	NUM
fsr-3906	145	57	in	in	ADP
fsr-3906	145	58	the	the	DET
fsr-3906	145	59	household	household	NOUN
fsr-3906	145	60	13.4	13.4	NUM
fsr-3906	145	61	%	%	NOUN
fsr-3906	145	62	20.0097	20.0097	NUM
fsr-3906	145	63	0.1081	0.1081	NUM
fsr-3906	145	64	0.9288	0.9288	NUM
fsr-3906	145	65	presence	presence	NOUN
fsr-3906	145	66	of	of	ADP
fsr-3906	145	67	children	child	NOUN
fsr-3906	145	68	6	6	NUM
fsr-3906	145	69	to	to	PART
fsr-3906	145	70	17	17	NUM
fsr-3906	145	71	in	in	ADP
fsr-3906	145	72	the	the	DET
fsr-3906	145	73	household	household	NOUN
fsr-3906	145	74	35.9	35.9	NUM
fsr-3906	145	75	%	%	NOUN
fsr-3906	145	76	0.2058	0.2058	NUM
fsr-3906	145	77	0.0823	0.0823	NUM
fsr-3906	145	78	0.0124	0.0124	NUM
fsr-3906	145	79	*	*	PUNCT
fsr-3906	145	80	respondent	respondent	NOUN
fsr-3906	145	81	’s	’s	PART
fsr-3906	145	82	education	education	NOUN
fsr-3906	145	83	(	(	PUNCT
fsr-3906	145	84	reference	reference	NOUN
fsr-3906	145	85	category	category	NOUN
fsr-3906	145	86	:	:	PUNCT
fsr-3906	145	87	less	less	ADJ
fsr-3906	145	88	than	than	ADP
fsr-3906	145	89	high	high	ADJ
fsr-3906	145	90	school	school	NOUN
fsr-3906	145	91	graduate	graduate	NOUN
fsr-3906	145	92	)	)	PUNCT
fsr-3906	145	93	high	high	ADJ
fsr-3906	145	94	school	school	NOUN
fsr-3906	145	95	graduate	graduate	NOUN
fsr-3906	145	96	30.6	30.6	NUM
fsr-3906	145	97	%	%	NOUN
fsr-3906	145	98	0.2418	0.2418	NUM
fsr-3906	145	99	0.1042	0.1042	NUM
fsr-3906	145	100	0.0203	0.0203	NUM
fsr-3906	145	101	*	*	PUNCT
fsr-3906	145	102	some	some	DET
fsr-3906	145	103	college	college	NOUN
fsr-3906	145	104	education	education	NOUN
fsr-3906	145	105	23.2	23.2	NUM
fsr-3906	145	106	%	%	NOUN
fsr-3906	145	107	0.2924	0.2924	NUM
fsr-3906	145	108	0.1091	0.1091	NUM
fsr-3906	145	109	0.0073	0.0073	NUM
fsr-3906	145	110	*	*	PUNCT
fsr-3906	145	111	*	*	PUNCT
fsr-3906	145	112	college	college	NOUN
fsr-3906	145	113	graduate	graduate	NOUN
fsr-3906	145	114	or	or	CCONJ
fsr-3906	145	115	more	more	ADJ
fsr-3906	145	116	27.6	27.6	NUM
fsr-3906	145	117	%	%	NOUN
fsr-3906	145	118	0.5225	0.5225	NUM
fsr-3906	145	119	0.0992	0.0992	NUM
fsr-3906	145	120	0.0001	0.0001	NUM
fsr-3906	145	121	*	*	PUNCT
fsr-3906	145	122	*	*	PUNCT
fsr-3906	145	123	*	*	PUNCT
fsr-3906	145	124	respondent	respondent	NOUN
fsr-3906	145	125	age	age	NOUN
fsr-3906	145	126	(	(	PUNCT
fsr-3906	145	127	spline	spline	NOUN
fsr-3906	145	128	variable	variable	ADJ
fsr-3906	145	129	)	)	PUNCT
fsr-3906	145	130	years	year	NOUN
fsr-3906	145	131	of	of	ADP
fsr-3906	145	132	age	age	NOUN
fsr-3906	145	133	49.77	49.77	NUM
fsr-3906	145	134	20.0108	20.0108	NUM
fsr-3906	145	135	0.0148	0.0148	NUM
fsr-3906	145	136	0.4646	0.4646	NUM
fsr-3906	145	137	years	year	NOUN
fsr-3906	145	138	of	of	ADP
fsr-3906	145	139	age	age	NOUN
fsr-3906	145	140	over	over	ADP
fsr-3906	145	141	45	45	NUM
fsr-3906	145	142	6.87	6.87	NUM
fsr-3906	145	143	20.0515	20.0515	NUM
fsr-3906	145	144	0.0241	0.0241	NUM
fsr-3906	145	145	0.0328	0.0328	NUM
fsr-3906	145	146	*	*	NUM
fsr-3906	145	147	years	year	NOUN
fsr-3906	145	148	of	of	ADP
fsr-3906	145	149	age	age	NOUN
fsr-3906	145	150	over	over	ADP
fsr-3906	145	151	55	55	NUM
fsr-3906	145	152	2.49	2.49	NUM
fsr-3906	145	153	20.1280	20.1280	NUM
fsr-3906	145	154	0.0236	0.0236	NUM
fsr-3906	145	155	0.0001	0.0001	NUM
fsr-3906	145	156	*	*	PUNCT
fsr-3906	145	157	*	*	PUNCT
fsr-3906	145	158	*	*	NOUN
fsr-3906	145	159	years	year	NOUN
fsr-3906	145	160	of	of	ADP
fsr-3906	145	161	age	age	NOUN
fsr-3906	145	162	over	over	ADP
fsr-3906	145	163	65	65	NUM
fsr-3906	145	164	0.31	0.31	NUM
fsr-3906	145	165	0.1050	0.1050	NUM
fsr-3906	145	166	0.0452	0.0452	NUM
fsr-3906	145	167	0.0201	0.0201	NUM
fsr-3906	145	168	*	*	PUNCT
fsr-3906	145	169	respondents	respondent	NOUN
fsr-3906	145	170	previous	previous	ADJ
fsr-3906	145	171	years	year	NOUN
fsr-3906	145	172	of	of	ADP
fsr-3906	145	173	full	full	ADJ
fsr-3906	145	174	-	-	PUNCT
fsr-3906	145	175	time	time	NOUN
fsr-3906	145	176	work	work	NOUN
fsr-3906	145	177	experience	experience	NOUN
fsr-3906	145	178	25.6	25.6	NUM
fsr-3906	145	179	0.0452	0.0452	NUM
fsr-3906	145	180	0.0041	0.0041	NUM
fsr-3906	145	181	0.0001	0.0001	NUM
fsr-3906	145	182	*	*	PUNCT
fsr-3906	145	183	*	*	PUNCT
fsr-3906	145	184	*	*	SYM
fsr-3906	145	185	1	1	NUM
fsr-3906	145	186	descriptive	descriptive	ADJ
fsr-3906	145	187	statistics	statistic	NOUN
fsr-3906	145	188	are	be	AUX
fsr-3906	145	189	weighted	weight	VERB
fsr-3906	145	190	and	and	CCONJ
fsr-3906	145	191	estimated	estimate	VERB
fsr-3906	145	192	using	use	VERB
fsr-3906	145	193	rii	rii	NOUN
fsr-3906	145	194	techniques	technique	NOUN
fsr-3906	145	195	.	.	PUNCT
fsr-3906	146	1	2probit	2probit	NUM
fsr-3906	146	2	analysis	analysis	NOUN
fsr-3906	146	3	is	be	AUX
fsr-3906	146	4	unweighted	unweighte	VERB
fsr-3906	146	5	and	and	CCONJ
fsr-3906	146	6	estimated	estimate	VERB
fsr-3906	146	7	on	on	ADP
fsr-3906	146	8	the	the	DET
fsr-3906	146	9	pooled	pooled	ADJ
fsr-3906	146	10	sample	sample	NOUN
fsr-3906	146	11	;	;	PUNCT
fsr-3906	146	12	standard	standard	ADJ
fsr-3906	146	13	errors	error	NOUN
fsr-3906	146	14	are	be	AUX
fsr-3906	146	15	not	not	PART
fsr-3906	146	16	corrected	correct	VERB
fsr-3906	146	17	for	for	ADP
fsr-3906	146	18	imputation	imputation	NOUN
fsr-3906	146	19	error	error	NOUN
fsr-3906	146	20	and	and	CCONJ
fsr-3906	146	21	the	the	DET
fsr-3906	146	22	statistical	statistical	ADJ
fsr-3906	146	23	significance	significance	NOUN
fsr-3906	146	24	of	of	ADP
fsr-3906	146	25	the	the	DET
fsr-3906	146	26	coefficient	coefficient	NOUN
fsr-3906	146	27	estimates	estimate	NOUN
fsr-3906	146	28	may	may	AUX
fsr-3906	146	29	be	be	AUX
fsr-3906	146	30	overestimated	overestimate	VERB
fsr-3906	146	31	.	.	PUNCT
fsr-3906	147	1	3	3	NUM
fsr-3906	147	2	*	*	SYM
fsr-3906	147	3	p	p	X
fsr-3906	147	4	,	,	PUNCT
fsr-3906	147	5	.05	.05	NUM
fsr-3906	147	6	,	,	PUNCT
fsr-3906	147	7	*	*	PUNCT
fsr-3906	147	8	*	*	PUNCT
fsr-3906	148	1	p	p	X
fsr-3906	148	2	,	,	PUNCT
fsr-3906	148	3	.01	.01	NUM
fsr-3906	148	4	,	,	PUNCT
fsr-3906	148	5	*	*	PUNCT
fsr-3906	149	1	*	*	PUNCT
fsr-3906	149	2	*	*	PUNCT
fsr-3906	149	3	p	p	X
fsr-3906	149	4	,	,	PUNCT
fsr-3906	149	5	.001	.001	NUM
fsr-3906	149	6	.	.	PUNCT
fsr-3906	150	1	source	source	NOUN
fsr-3906	150	2	:	:	PUNCT
fsr-3906	150	3	1995	1995	NUM
fsr-3906	150	4	survey	survey	NOUN
fsr-3906	150	5	of	of	ADP
fsr-3906	150	6	consumer	consumer	NOUN
fsr-3906	150	7	finances	finance	NOUN
fsr-3906	150	8	,	,	PUNCT
fsr-3906	150	9	combined	combined	ADJ
fsr-3906	150	10	data	datum	NOUN
fsr-3906	150	11	set	set	VERB
fsr-3906	150	12	,	,	PUNCT
fsr-3906	150	13	n5	n5	PROPN
fsr-3906	150	14	13,655	13,655	NUM
fsr-3906	150	15	(	(	PUNCT
fsr-3906	150	16	2,731	2,731	NUM
fsr-3906	150	17	in	in	ADP
fsr-3906	150	18	each	each	DET
fsr-3906	150	19	implicate	implicate	NOUN
fsr-3906	150	20	)	)	PUNCT
fsr-3906	150	21	.	.	PUNCT
fsr-3906	151	1	8	8	NUM
fsr-3906	151	2	c.p	c.p	PROPN
fsr-3906	151	3	.	.	PROPN
fsr-3906	151	4	montalto	montalto	PROPN
fsr-3906	151	5	et	et	PROPN
fsr-3906	151	6	al	al	PROPN
fsr-3906	151	7	.	.	PUNCT
fsr-3906	151	8	/	/	SYM
fsr-3906	151	9	financial	financial	ADJ
fsr-3906	151	10	services	service	NOUN
fsr-3906	151	11	review	review	VERB
fsr-3906	151	12	9	9	NUM
fsr-3906	151	13	(	(	PUNCT
fsr-3906	151	14	2000	2000	NUM
fsr-3906	151	15	)	)	PUNCT
fsr-3906	151	16	1–15	1–15	PROPN
fsr-3906	151	17	planned	plan	VERB
fsr-3906	151	18	retirement	retirement	NOUN
fsr-3906	151	19	age5	age5	PROPN
fsr-3906	151	20	a0	a0	PROPN
fsr-3906	151	21	1	1	NUM
fsr-3906	151	22	a1	a1	NOUN
fsr-3906	151	23	ln	ln	NOUN
fsr-3906	151	24	noninvestment	noninvestment	ADJ
fsr-3906	151	25	income1	income1	PROPN
fsr-3906	151	26	a2	a2	PROPN
fsr-3906	151	27	ln	ln	ADJ
fsr-3906	151	28	financial	financial	ADJ
fsr-3906	151	29	assets	asset	NOUN
fsr-3906	151	30	1	1	NUM
fsr-3906	151	31	a3	a3	NOUN
fsr-3906	151	32	ln	ln	ADJ
fsr-3906	151	33	nonfinancial	nonfinancial	ADJ
fsr-3906	151	34	assets1	assets1	PROPN
fsr-3906	151	35	a4	a4	NUM
fsr-3906	152	1	ln	ln	NOUN
fsr-3906	152	2	debt	debt	NOUN
fsr-3906	152	3	1	1	NUM
fsr-3906	152	4	a5	a5	PROPN
fsr-3906	152	5	ln	ln	PROPN
fsr-3906	152	6	ira	ira	PROPN
fsr-3906	152	7	/	/	SYM
fsr-3906	152	8	keogh	keogh	PROPN
fsr-3906	152	9	1	1	NUM
fsr-3906	152	10	a6	a6	PROPN
fsr-3906	152	11	ln	ln	ADJ
fsr-3906	152	12	defined	define	VERB
fsr-3906	152	13	contribution1	contribution1	NOUN
fsr-3906	152	14	a7	a7	PROPN
fsr-3906	152	15	defined	define	VERB
fsr-3906	152	16	benefit1	benefit1	PROPN
fsr-3906	152	17	a8	a8	PROPN
fsr-3906	152	18	employed	employ	VERB
fsr-3906	152	19	spouse	spouse	NOUN
fsr-3906	152	20	/	/	SYM
fsr-3906	152	21	partner	partner	NOUN
fsr-3906	152	22	1	1	NUM
fsr-3906	152	23	a9	a9	NOUN
fsr-3906	152	24	household	household	NOUN
fsr-3906	153	1	size1	size1	PROPN
fsr-3906	153	2	a10	a10	PROPN
fsr-3906	153	3	retirement	retirement	NOUN
fsr-3906	153	4	saving	saving	PROPN
fsr-3906	153	5	goal1	goal1	PROPN
fsr-3906	153	6	a11	a11	PROPN
fsr-3906	153	7	poor	poor	ADJ
fsr-3906	153	8	health	health	NOUN
fsr-3906	153	9	1	1	NUM
fsr-3906	153	10	a12	a12	NOUN
fsr-3906	153	11	self	self	NOUN
fsr-3906	153	12	-	-	PUNCT
fsr-3906	153	13	employed1	employed1	NOUN
fsr-3906	153	14	a13	a13	PROPN
fsr-3906	153	15	technical1	technical1	PROPN
fsr-3906	153	16	a14	a14	PROPN
fsr-3906	153	17	service1	service1	NOUN
fsr-3906	153	18	a15	a15	PROPN
fsr-3906	153	19	precision	precision	NOUN
fsr-3906	153	20	/	/	SYM
fsr-3906	153	21	repair	repair	NOUN
fsr-3906	153	22	1	1	NUM
fsr-3906	153	23	a16	a16	PROPN
fsr-3906	153	24	operators1	operators1	PROPN
fsr-3906	153	25	a17	a17	PROPN
fsr-3906	153	26	farming1	farming1	PROPN
fsr-3906	153	27	a18	a18	PROPN
fsr-3906	153	28	life	life	PROPN
fsr-3906	153	29	expectancy1	expectancy1	PROPN
fsr-3906	154	1	a19	a19	PROPN
fsr-3906	154	2	age	age	NOUN
fsr-3906	154	3	1	1	NUM
fsr-3906	154	4	a20	a20	NOUN
fsr-3906	154	5	age	age	NOUN
fsr-3906	154	6	-	-	PUNCT
fsr-3906	154	7	squared1	squared1	NOUN
fsr-3906	154	8	a21	a21	PROPN
fsr-3906	154	9	black	black	ADJ
fsr-3906	154	10	non	non	PROPN
fsr-3906	154	11	-	-	ADJ
fsr-3906	154	12	hispanic1	hispanic1	VERB
fsr-3906	154	13	a22	a22	PROPN
fsr-3906	154	14	hispanic1	hispanic1	PROPN
fsr-3906	154	15	a23	a23	PROPN
fsr-3906	154	16	other	other	ADJ
fsr-3906	154	17	1	1	NUM
fsr-3906	154	18	a24	a24	PROPN
fsr-3906	154	19	high	high	PROPN
fsr-3906	154	20	school1	school1	PROPN
fsr-3906	154	21	a25	a25	PROPN
fsr-3906	154	22	some	some	DET
fsr-3906	154	23	college1	college1	PROPN
fsr-3906	154	24	a26	a26	PROPN
fsr-3906	154	25	college	college	NOUN
fsr-3906	154	26	graduate	graduate	PROPN
fsr-3906	154	27	1	1	NUM
fsr-3906	154	28	a27	a27	NOUN
fsr-3906	154	29	selection	selection	NOUN
fsr-3906	154	30	bias	bias	NOUN
fsr-3906	154	31	correction	correction	NOUN
fsr-3906	154	32	variable	variable	NOUN
fsr-3906	154	33	(	(	PUNCT
fsr-3906	154	34	2	2	NUM
fsr-3906	154	35	)	)	PUNCT
fsr-3906	154	36	the	the	DET
fsr-3906	154	37	financial	financial	ADJ
fsr-3906	154	38	variables	variable	NOUN
fsr-3906	154	39	include	include	VERB
fsr-3906	154	40	amounts	amount	NOUN
fsr-3906	154	41	of	of	ADP
fsr-3906	154	42	noninvestment	noninvestment	ADJ
fsr-3906	154	43	income	income	NOUN
fsr-3906	154	44	,	,	PUNCT
fsr-3906	154	45	financial	financial	ADJ
fsr-3906	154	46	assets	asset	NOUN
fsr-3906	154	47	(	(	PUNCT
fsr-3906	154	48	excluding	exclude	VERB
fsr-3906	154	49	ira	ira	PROPN
fsr-3906	154	50	/	/	SYM
fsr-3906	154	51	keogh	keogh	PROPN
fsr-3906	154	52	and	and	CCONJ
fsr-3906	154	53	defined	define	VERB
fsr-3906	154	54	contribution	contribution	NOUN
fsr-3906	154	55	values	value	NOUN
fsr-3906	154	56	)	)	PUNCT
fsr-3906	154	57	,	,	PUNCT
fsr-3906	154	58	nonfinancial	nonfinancial	ADJ
fsr-3906	154	59	assets	asset	NOUN
fsr-3906	154	60	,	,	PUNCT
fsr-3906	154	61	defined	define	VERB
fsr-3906	154	62	contribution	contribution	NOUN
fsr-3906	154	63	benefits	benefit	NOUN
fsr-3906	154	64	,	,	PUNCT
fsr-3906	154	65	ira	ira	PROPN
fsr-3906	154	66	/	/	SYM
fsr-3906	154	67	keogh	keogh	PROPN
fsr-3906	154	68	,	,	PUNCT
fsr-3906	154	69	and	and	CCONJ
fsr-3906	154	70	debt	debt	NOUN
fsr-3906	154	71	.	.	PUNCT
fsr-3906	155	1	these	these	DET
fsr-3906	155	2	amounts	amount	NOUN
fsr-3906	155	3	are	be	AUX
fsr-3906	155	4	measured	measure	VERB
fsr-3906	155	5	as	as	ADP
fsr-3906	155	6	the	the	DET
fsr-3906	155	7	natural	natural	ADJ
fsr-3906	155	8	logarithm	logarithm	NOUN
fsr-3906	155	9	(	(	PUNCT
fsr-3906	155	10	ln	ln	ADJ
fsr-3906	155	11	)	)	PUNCT
fsr-3906	155	12	to	to	PART
fsr-3906	155	13	reduce	reduce	VERB
fsr-3906	155	14	heteroskedasticity	heteroskedasticity	NOUN
fsr-3906	155	15	(	(	PUNCT
fsr-3906	155	16	unequal	unequal	ADJ
fsr-3906	155	17	variance	variance	NOUN
fsr-3906	155	18	of	of	ADP
fsr-3906	155	19	the	the	DET
fsr-3906	155	20	disturbances	disturbance	NOUN
fsr-3906	155	21	)	)	PUNCT
fsr-3906	155	22	.	.	PUNCT
fsr-3906	156	1	an	an	DET
fsr-3906	156	2	indicator	indicator	NOUN
fsr-3906	156	3	variable	variable	NOUN
fsr-3906	156	4	is	be	AUX
fsr-3906	156	5	included	include	VERB
fsr-3906	156	6	for	for	ADP
fsr-3906	156	7	ownership	ownership	NOUN
fsr-3906	156	8	of	of	ADP
fsr-3906	156	9	a	a	DET
fsr-3906	156	10	defined	define	VERB
fsr-3906	156	11	benefit	benefit	NOUN
fsr-3906	156	12	plan	plan	NOUN
fsr-3906	156	13	.	.	PUNCT
fsr-3906	157	1	access	access	NOUN
fsr-3906	157	2	to	to	ADP
fsr-3906	157	3	resources	resource	NOUN
fsr-3906	157	4	is	be	AUX
fsr-3906	157	5	measured	measure	VERB
fsr-3906	157	6	with	with	ADP
fsr-3906	157	7	an	an	DET
fsr-3906	157	8	indicator	indicator	NOUN
fsr-3906	157	9	variable	variable	NOUN
fsr-3906	157	10	for	for	ADP
fsr-3906	157	11	an	an	DET
fsr-3906	157	12	employed	employ	VERB
fsr-3906	157	13	spouse	spouse	NOUN
fsr-3906	157	14	or	or	CCONJ
fsr-3906	157	15	partner	partner	NOUN
fsr-3906	157	16	,	,	PUNCT
fsr-3906	157	17	a	a	DET
fsr-3906	157	18	continuous	continuous	ADJ
fsr-3906	157	19	variable	variable	NOUN
fsr-3906	157	20	for	for	ADP
fsr-3906	157	21	household	household	NOUN
fsr-3906	157	22	size	size	NOUN
fsr-3906	157	23	,	,	PUNCT
fsr-3906	157	24	and	and	CCONJ
fsr-3906	157	25	an	an	DET
fsr-3906	157	26	indicator	indicator	NOUN
fsr-3906	157	27	variable	variable	NOUN
fsr-3906	157	28	equal	equal	ADJ
fsr-3906	157	29	to	to	ADP
fsr-3906	157	30	one	one	NUM
fsr-3906	157	31	if	if	SCONJ
fsr-3906	157	32	retirement	retirement	NOUN
fsr-3906	157	33	is	be	AUX
fsr-3906	157	34	one	one	NUM
fsr-3906	157	35	of	of	ADP
fsr-3906	157	36	the	the	DET
fsr-3906	157	37	top	top	ADJ
fsr-3906	157	38	three	three	NUM
fsr-3906	157	39	household	household	NOUN
fsr-3906	157	40	saving	saving	NOUN
fsr-3906	157	41	goals	goal	NOUN
fsr-3906	157	42	.	.	PUNCT
fsr-3906	158	1	higher	high	ADJ
fsr-3906	158	2	levels	level	NOUN
fsr-3906	158	3	of	of	ADP
fsr-3906	158	4	financial	financial	ADJ
fsr-3906	158	5	variables	variable	NOUN
fsr-3906	158	6	,	,	PUNCT
fsr-3906	158	7	lower	low	ADJ
fsr-3906	158	8	levels	level	NOUN
fsr-3906	158	9	of	of	ADP
fsr-3906	158	10	debt	debt	NOUN
fsr-3906	158	11	,	,	PUNCT
fsr-3906	158	12	and	and	CCONJ
fsr-3906	158	13	increased	increase	VERB
fsr-3906	158	14	access	access	NOUN
fsr-3906	158	15	to	to	ADP
fsr-3906	158	16	resources	resource	NOUN
fsr-3906	158	17	through	through	ADP
fsr-3906	158	18	family	family	NOUN
fsr-3906	158	19	members	member	NOUN
fsr-3906	158	20	or	or	CCONJ
fsr-3906	158	21	saving	save	VERB
fsr-3906	158	22	behavior	behavior	NOUN
fsr-3906	158	23	increase	increase	VERB
fsr-3906	158	24	the	the	DET
fsr-3906	158	25	ability	ability	NOUN
fsr-3906	158	26	to	to	PART
fsr-3906	158	27	“	"	PUNCT
fsr-3906	158	28	afford	afford	VERB
fsr-3906	158	29	”	"	PUNCT
fsr-3906	158	30	to	to	PART
fsr-3906	158	31	retire	retire	VERB
fsr-3906	158	32	and	and	CCONJ
fsr-3906	158	33	are	be	AUX
fsr-3906	158	34	expected	expect	VERB
fsr-3906	158	35	to	to	PART
fsr-3906	158	36	decrease	decrease	VERB
fsr-3906	158	37	the	the	DET
fsr-3906	158	38	planned	plan	VERB
fsr-3906	158	39	age	age	NOUN
fsr-3906	158	40	of	of	ADP
fsr-3906	158	41	retirement	retirement	NOUN
fsr-3906	158	42	.	.	PUNCT
fsr-3906	159	1	alternatively	alternatively	ADV
fsr-3906	159	2	,	,	PUNCT
fsr-3906	159	3	employment	employment	NOUN
fsr-3906	159	4	of	of	ADP
fsr-3906	159	5	a	a	DET
fsr-3906	159	6	spouse	spouse	NOUN
fsr-3906	159	7	or	or	CCONJ
fsr-3906	159	8	partner	partner	NOUN
fsr-3906	159	9	may	may	AUX
fsr-3906	159	10	suggest	suggest	VERB
fsr-3906	159	11	interdependent	interdependent	ADJ
fsr-3906	159	12	decision	decision	NOUN
fsr-3906	159	13	making	making	NOUN
fsr-3906	159	14	regarding	regard	VERB
fsr-3906	159	15	the	the	DET
fsr-3906	159	16	timing	timing	NOUN
fsr-3906	159	17	of	of	ADP
fsr-3906	159	18	retirement	retirement	NOUN
fsr-3906	159	19	and	and	CCONJ
fsr-3906	159	20	may	may	AUX
fsr-3906	159	21	increase	increase	VERB
fsr-3906	159	22	the	the	DET
fsr-3906	159	23	planned	plan	VERB
fsr-3906	159	24	retirement	retirement	NOUN
fsr-3906	159	25	age	age	NOUN
fsr-3906	159	26	.	.	PUNCT
fsr-3906	160	1	larger	large	ADJ
fsr-3906	160	2	household	household	NOUN
fsr-3906	160	3	size	size	NOUN
fsr-3906	160	4	may	may	AUX
fsr-3906	160	5	also	also	ADV
fsr-3906	160	6	increase	increase	VERB
fsr-3906	160	7	the	the	DET
fsr-3906	160	8	level	level	NOUN
fsr-3906	160	9	of	of	ADP
fsr-3906	160	10	resources	resource	NOUN
fsr-3906	160	11	needed	need	VERB
fsr-3906	160	12	in	in	ADP
fsr-3906	160	13	retirement	retirement	NOUN
fsr-3906	160	14	,	,	PUNCT
fsr-3906	160	15	thus	thus	ADV
fsr-3906	160	16	increasing	increase	VERB
fsr-3906	160	17	the	the	DET
fsr-3906	160	18	planned	plan	VERB
fsr-3906	160	19	age	age	NOUN
fsr-3906	160	20	of	of	ADP
fsr-3906	160	21	retirement	retirement	NOUN
fsr-3906	160	22	.	.	PUNCT
fsr-3906	161	1	characteristics	characteristic	NOUN
fsr-3906	161	2	of	of	ADP
fsr-3906	161	3	the	the	DET
fsr-3906	161	4	respondent	respondent	NOUN
fsr-3906	161	5	’s	’s	PART
fsr-3906	161	6	employment	employment	NOUN
fsr-3906	161	7	are	be	AUX
fsr-3906	161	8	measured	measure	VERB
fsr-3906	161	9	with	with	ADP
fsr-3906	161	10	indicator	indicator	NOUN
fsr-3906	161	11	variables	variable	NOUN
fsr-3906	161	12	for	for	ADP
fsr-3906	161	13	self	self	NOUN
fsr-3906	161	14	-	-	PUNCT
fsr-3906	161	15	reported	report	VERB
fsr-3906	161	16	poor	poor	ADJ
fsr-3906	161	17	health	health	NOUN
fsr-3906	161	18	,	,	PUNCT
fsr-3906	161	19	and	and	CCONJ
fsr-3906	161	20	for	for	ADP
fsr-3906	161	21	self	self	NOUN
fsr-3906	161	22	-	-	PUNCT
fsr-3906	161	23	employment	employment	NOUN
fsr-3906	161	24	of	of	ADP
fsr-3906	161	25	the	the	DET
fsr-3906	161	26	respondent	respondent	NOUN
fsr-3906	161	27	,	,	PUNCT
fsr-3906	161	28	and	and	CCONJ
fsr-3906	161	29	categorical	categorical	ADJ
fsr-3906	161	30	dichotomous	dichotomous	ADJ
fsr-3906	161	31	variables	variable	NOUN
fsr-3906	161	32	for	for	ADP
fsr-3906	161	33	respondent	respondent	NOUN
fsr-3906	161	34	’s	’s	PART
fsr-3906	161	35	occupation	occupation	NOUN
fsr-3906	161	36	.	.	PUNCT
fsr-3906	162	1	the	the	DET
fsr-3906	162	2	occupation	occupation	NOUN
fsr-3906	162	3	controls	control	NOUN
fsr-3906	162	4	are	be	AUX
fsr-3906	162	5	rather	rather	ADV
fsr-3906	162	6	crude	crude	ADJ
fsr-3906	162	7	since	since	SCONJ
fsr-3906	162	8	the	the	DET
fsr-3906	162	9	information	information	NOUN
fsr-3906	162	10	in	in	ADP
fsr-3906	162	11	the	the	DET
fsr-3906	162	12	data	datum	NOUN
fsr-3906	162	13	set	set	VERB
fsr-3906	162	14	only	only	ADV
fsr-3906	162	15	identifies	identify	VERB
fsr-3906	162	16	six	six	NUM
fsr-3906	162	17	broad	broad	ADJ
fsr-3906	162	18	categories	category	NOUN
fsr-3906	162	19	of	of	ADP
fsr-3906	162	20	occupation	occupation	NOUN
fsr-3906	162	21	.	.	PUNCT
fsr-3906	163	1	this	this	DET
fsr-3906	163	2	information	information	NOUN
fsr-3906	163	3	is	be	AUX
fsr-3906	163	4	used	use	VERB
fsr-3906	163	5	in	in	ADP
fsr-3906	163	6	an	an	DET
fsr-3906	163	7	attempt	attempt	NOUN
fsr-3906	163	8	to	to	PART
fsr-3906	163	9	control	control	VERB
fsr-3906	163	10	for	for	ADP
fsr-3906	163	11	differences	difference	NOUN
fsr-3906	163	12	across	across	ADP
fsr-3906	163	13	these	these	DET
fsr-3906	163	14	occupation	occupation	NOUN
fsr-3906	163	15	categories	category	NOUN
fsr-3906	163	16	in	in	ADP
fsr-3906	163	17	the	the	DET
fsr-3906	163	18	characteristics	characteristic	NOUN
fsr-3906	163	19	of	of	ADP
fsr-3906	163	20	jobs	job	NOUN
fsr-3906	163	21	held	hold	VERB
fsr-3906	163	22	by	by	ADP
fsr-3906	163	23	elderly	elderly	ADJ
fsr-3906	163	24	workers	worker	NOUN
fsr-3906	163	25	.	.	PUNCT
fsr-3906	164	1	poor	poor	ADJ
fsr-3906	164	2	health	health	NOUN
fsr-3906	164	3	may	may	AUX
fsr-3906	164	4	reduce	reduce	VERB
fsr-3906	164	5	the	the	DET
fsr-3906	164	6	ability	ability	NOUN
fsr-3906	164	7	to	to	PART
fsr-3906	164	8	continue	continue	VERB
fsr-3906	164	9	working	work	VERB
fsr-3906	164	10	thus	thus	ADV
fsr-3906	164	11	lowering	lower	VERB
fsr-3906	164	12	the	the	DET
fsr-3906	164	13	planned	plan	VERB
fsr-3906	164	14	retirement	retirement	NOUN
fsr-3906	164	15	age	age	NOUN
fsr-3906	164	16	.	.	PUNCT
fsr-3906	165	1	the	the	DET
fsr-3906	165	2	effect	effect	NOUN
fsr-3906	165	3	of	of	ADP
fsr-3906	165	4	health	health	NOUN
fsr-3906	165	5	problems	problem	NOUN
fsr-3906	165	6	on	on	ADP
fsr-3906	165	7	the	the	DET
fsr-3906	165	8	ability	ability	NOUN
fsr-3906	165	9	to	to	PART
fsr-3906	165	10	work	work	VERB
fsr-3906	165	11	may	may	AUX
fsr-3906	165	12	also	also	ADV
fsr-3906	165	13	depend	depend	VERB
fsr-3906	165	14	on	on	ADP
fsr-3906	165	15	the	the	DET
fsr-3906	165	16	type	type	NOUN
fsr-3906	165	17	of	of	ADP
fsr-3906	165	18	job	job	NOUN
fsr-3906	165	19	one	one	NUM
fsr-3906	165	20	has	have	VERB
fsr-3906	165	21	,	,	PUNCT
fsr-3906	165	22	the	the	DET
fsr-3906	165	23	opportunities	opportunity	NOUN
fsr-3906	165	24	for	for	ADP
fsr-3906	165	25	accommodating	accommodate	VERB
fsr-3906	165	26	health	health	NOUN
fsr-3906	165	27	problems	problem	NOUN
fsr-3906	165	28	,	,	PUNCT
fsr-3906	165	29	and	and	CCONJ
fsr-3906	165	30	the	the	DET
fsr-3906	165	31	opportunities	opportunity	NOUN
fsr-3906	165	32	to	to	PART
fsr-3906	165	33	switch	switch	VERB
fsr-3906	165	34	to	to	ADP
fsr-3906	165	35	less	less	ADV
fsr-3906	165	36	demanding	demanding	ADJ
fsr-3906	165	37	jobs	job	NOUN
fsr-3906	165	38	.	.	PUNCT
fsr-3906	166	1	some	some	PRON
fsr-3906	166	2	of	of	ADP
fsr-3906	166	3	this	this	DET
fsr-3906	166	4	effect	effect	NOUN
fsr-3906	166	5	may	may	AUX
fsr-3906	166	6	be	be	AUX
fsr-3906	166	7	picked	pick	VERB
fsr-3906	166	8	up	up	ADP
fsr-3906	166	9	by	by	ADP
fsr-3906	166	10	the	the	DET
fsr-3906	166	11	occupation	occupation	NOUN
fsr-3906	166	12	variables	variable	NOUN
fsr-3906	166	13	.	.	PUNCT
fsr-3906	167	1	self	self	NOUN
fsr-3906	167	2	-	-	PUNCT
fsr-3906	167	3	employment	employment	NOUN
fsr-3906	167	4	may	may	AUX
fsr-3906	167	5	enable	enable	VERB
fsr-3906	167	6	one	one	PRON
fsr-3906	167	7	to	to	PART
fsr-3906	167	8	extend	extend	VERB
fsr-3906	167	9	the	the	DET
fsr-3906	167	10	working	work	VERB
fsr-3906	167	11	life	life	NOUN
fsr-3906	167	12	at	at	ADP
fsr-3906	167	13	their	their	PRON
fsr-3906	167	14	own	own	ADJ
fsr-3906	167	15	discretion	discretion	NOUN
fsr-3906	167	16	,	,	PUNCT
fsr-3906	167	17	and	and	CCONJ
fsr-3906	167	18	is	be	AUX
fsr-3906	167	19	expected	expect	VERB
fsr-3906	167	20	to	to	PART
fsr-3906	167	21	be	be	AUX
fsr-3906	167	22	positively	positively	ADV
fsr-3906	167	23	associated	associate	VERB
fsr-3906	167	24	with	with	ADP
fsr-3906	167	25	planned	plan	VERB
fsr-3906	167	26	retirement	retirement	NOUN
fsr-3906	167	27	age	age	NOUN
fsr-3906	167	28	.	.	PUNCT
fsr-3906	168	1	respondent	respondent	NOUN
fsr-3906	168	2	’s	’s	PART
fsr-3906	168	3	demographic	demographic	ADJ
fsr-3906	168	4	characteristics	characteristic	NOUN
fsr-3906	168	5	are	be	AUX
fsr-3906	168	6	measured	measure	VERB
fsr-3906	168	7	with	with	ADP
fsr-3906	168	8	linear	linear	ADJ
fsr-3906	168	9	and	and	CCONJ
fsr-3906	168	10	quadratic	quadratic	ADJ
fsr-3906	168	11	terms	term	NOUN
fsr-3906	168	12	for	for	ADP
fsr-3906	168	13	respondent	respondent	NOUN
fsr-3906	168	14	’s	’s	PART
fsr-3906	168	15	current	current	ADJ
fsr-3906	168	16	age	age	NOUN
fsr-3906	168	17	,	,	PUNCT
fsr-3906	168	18	and	and	CCONJ
fsr-3906	168	19	categorical	categorical	ADJ
fsr-3906	168	20	dichotomous	dichotomous	ADJ
fsr-3906	168	21	variables	variable	NOUN
fsr-3906	168	22	for	for	ADP
fsr-3906	168	23	race	race	NOUN
fsr-3906	168	24	/	/	SYM
fsr-3906	168	25	ethnicity	ethnicity	NOUN
fsr-3906	168	26	,	,	PUNCT
fsr-3906	168	27	and	and	CCONJ
fsr-3906	168	28	for	for	ADP
fsr-3906	168	29	the	the	DET
fsr-3906	168	30	highest	high	ADJ
fsr-3906	168	31	level	level	NOUN
fsr-3906	168	32	of	of	ADP
fsr-3906	168	33	educational	educational	ADJ
fsr-3906	168	34	attainment	attainment	NOUN
fsr-3906	168	35	.	.	PUNCT
fsr-3906	169	1	the	the	DET
fsr-3906	169	2	respondent	respondent	NOUN
fsr-3906	169	3	’s	’s	PART
fsr-3906	169	4	perception	perception	NOUN
fsr-3906	169	5	of	of	ADP
fsr-3906	169	6	life	life	NOUN
fsr-3906	169	7	expectancy	expectancy	NOUN
fsr-3906	169	8	is	be	AUX
fsr-3906	169	9	measured	measure	VERB
fsr-3906	169	10	with	with	ADP
fsr-3906	169	11	a	a	DET
fsr-3906	169	12	continuous	continuous	ADJ
fsr-3906	169	13	variable	variable	NOUN
fsr-3906	169	14	.	.	PUNCT
fsr-3906	170	1	the	the	DET
fsr-3906	170	2	availability	availability	NOUN
fsr-3906	170	3	of	of	ADP
fsr-3906	170	4	reduced	reduce	VERB
fsr-3906	170	5	social	social	ADJ
fsr-3906	170	6	security	security	NOUN
fsr-3906	170	7	benefits	benefit	NOUN
fsr-3906	170	8	at	at	ADP
fsr-3906	170	9	age	age	NOUN
fsr-3906	170	10	62	62	NUM
fsr-3906	170	11	,	,	PUNCT
fsr-3906	170	12	and	and	CCONJ
fsr-3906	170	13	the	the	DET
fsr-3906	170	14	increase	increase	NOUN
fsr-3906	170	15	in	in	ADP
fsr-3906	170	16	the	the	DET
fsr-3906	170	17	benefit	benefit	NOUN
fsr-3906	170	18	level	level	NOUN
fsr-3906	170	19	per	per	ADP
fsr-3906	170	20	year	year	NOUN
fsr-3906	170	21	that	that	PRON
fsr-3906	170	22	receipt	receipt	NOUN
fsr-3906	170	23	is	be	AUX
fsr-3906	170	24	deferred	defer	VERB
fsr-3906	170	25	(	(	PUNCT
fsr-3906	170	26	up	up	ADP
fsr-3906	170	27	to	to	ADP
fsr-3906	170	28	age	age	NOUN
fsr-3906	170	29	65	65	NUM
fsr-3906	170	30	)	)	PUNCT
fsr-3906	170	31	is	be	AUX
fsr-3906	170	32	actuarially	actuarially	ADV
fsr-3906	170	33	fair	fair	ADJ
fsr-3906	170	34	for	for	ADP
fsr-3906	170	35	a	a	DET
fsr-3906	170	36	person	person	NOUN
fsr-3906	170	37	with	with	ADP
fsr-3906	170	38	average	average	ADJ
fsr-3906	170	39	life	life	NOUN
fsr-3906	170	40	expectancy	expectancy	NOUN
fsr-3906	170	41	,	,	PUNCT
fsr-3906	170	42	and	and	CCONJ
fsr-3906	170	43	better	well	ADJ
fsr-3906	170	44	than	than	ADP
fsr-3906	170	45	fair	fair	ADJ
fsr-3906	170	46	for	for	ADP
fsr-3906	170	47	someone	someone	PRON
fsr-3906	170	48	with	with	ADP
fsr-3906	170	49	longer	long	ADJ
fsr-3906	170	50	than	than	ADP
fsr-3906	170	51	average	average	ADJ
fsr-3906	170	52	life	life	NOUN
fsr-3906	170	53	expectancy	expectancy	NOUN
fsr-3906	170	54	.	.	PUNCT
fsr-3906	171	1	however	however	ADV
fsr-3906	171	2	,	,	PUNCT
fsr-3906	171	3	for	for	ADP
fsr-3906	171	4	persons	person	NOUN
fsr-3906	171	5	whose	whose	DET
fsr-3906	171	6	life	life	NOUN
fsr-3906	171	7	expectancy	expectancy	NOUN
fsr-3906	171	8	is	be	AUX
fsr-3906	171	9	lower	low	ADJ
fsr-3906	171	10	than	than	SCONJ
fsr-3906	171	11	the	the	DET
fsr-3906	171	12	average	average	ADJ
fsr-3906	171	13	,	,	PUNCT
fsr-3906	171	14	social	social	ADJ
fsr-3906	171	15	security	security	NOUN
fsr-3906	171	16	wealth	wealth	NOUN
fsr-3906	171	17	decreases	decrease	VERB
fsr-3906	171	18	the	the	PRON
fsr-3906	171	19	longer	long	ADJ
fsr-3906	171	20	they	they	PRON
fsr-3906	171	21	9c.p	9c.p	NUM
fsr-3906	171	22	.	.	X
fsr-3906	171	23	montalto	montalto	PROPN
fsr-3906	171	24	et	et	PROPN
fsr-3906	171	25	al	al	PROPN
fsr-3906	171	26	.	.	PUNCT
fsr-3906	171	27	/	/	SYM
fsr-3906	171	28	financial	financial	ADJ
fsr-3906	171	29	services	service	NOUN
fsr-3906	171	30	review	review	VERB
fsr-3906	171	31	9	9	NUM
fsr-3906	171	32	(	(	PUNCT
fsr-3906	171	33	2000	2000	NUM
fsr-3906	171	34	)	)	PUNCT
fsr-3906	171	35	1–15	1–15	PROPN
fsr-3906	171	36	postpone	postpone	VERB
fsr-3906	171	37	benefits	benefit	NOUN
fsr-3906	171	38	beyond	beyond	ADP
fsr-3906	171	39	age	age	NOUN
fsr-3906	171	40	62	62	NUM
fsr-3906	171	41	,	,	PUNCT
fsr-3906	171	42	creating	create	VERB
fsr-3906	171	43	an	an	DET
fsr-3906	171	44	incentive	incentive	NOUN
fsr-3906	171	45	to	to	PART
fsr-3906	171	46	begin	begin	VERB
fsr-3906	171	47	taking	take	VERB
fsr-3906	171	48	benefits	benefit	NOUN
fsr-3906	171	49	at	at	ADP
fsr-3906	171	50	age	age	NOUN
fsr-3906	171	51	62	62	NUM
fsr-3906	171	52	rather	rather	ADV
fsr-3906	171	53	than	than	ADP
fsr-3906	171	54	later	later	ADV
fsr-3906	171	55	(	(	PUNCT
fsr-3906	171	56	economic	economic	ADJ
fsr-3906	171	57	report	report	NOUN
fsr-3906	171	58	of	of	ADP
fsr-3906	171	59	the	the	DET
fsr-3906	171	60	president	president	NOUN
fsr-3906	171	61	,	,	PUNCT
fsr-3906	171	62	1999	1999	NUM
fsr-3906	171	63	)	)	PUNCT
fsr-3906	171	64	.	.	PUNCT
fsr-3906	172	1	lower	low	ADJ
fsr-3906	172	2	life	life	NOUN
fsr-3906	172	3	expectancy	expectancy	NOUN
fsr-3906	172	4	is	be	AUX
fsr-3906	172	5	thus	thus	ADV
fsr-3906	172	6	expected	expect	VERB
fsr-3906	172	7	to	to	PART
fsr-3906	172	8	decrease	decrease	VERB
fsr-3906	172	9	the	the	DET
fsr-3906	172	10	planned	plan	VERB
fsr-3906	172	11	retirement	retirement	NOUN
fsr-3906	172	12	age	age	NOUN
fsr-3906	172	13	,	,	PUNCT
fsr-3906	172	14	and	and	CCONJ
fsr-3906	172	15	therefore	therefore	ADV
fsr-3906	172	16	we	we	PRON
fsr-3906	172	17	expect	expect	VERB
fsr-3906	172	18	a	a	DET
fsr-3906	172	19	positive	positive	ADJ
fsr-3906	172	20	relationship	relationship	NOUN
fsr-3906	172	21	between	between	ADP
fsr-3906	172	22	life	life	NOUN
fsr-3906	172	23	expectancy	expectancy	NOUN
fsr-3906	172	24	and	and	CCONJ
fsr-3906	172	25	planned	plan	VERB
fsr-3906	172	26	retirement	retirement	NOUN
fsr-3906	172	27	age	age	NOUN
fsr-3906	172	28	.	.	PUNCT
fsr-3906	173	1	table	table	NOUN
fsr-3906	173	2	2	2	NUM
fsr-3906	173	3	descriptive	descriptive	ADJ
fsr-3906	173	4	statistics	statistic	NOUN
fsr-3906	173	5	and	and	CCONJ
fsr-3906	173	6	ordinary	ordinary	ADJ
fsr-3906	173	7	least	least	ADJ
fsr-3906	173	8	squares	square	NOUN
fsr-3906	173	9	regression	regression	NOUN
fsr-3906	173	10	of	of	ADP
fsr-3906	173	11	planned	plan	VERB
fsr-3906	173	12	retirement	retirement	NOUN
fsr-3906	173	13	age	age	NOUN
fsr-3906	173	14	variable	variable	NOUN
fsr-3906	173	15	mean	mean	VERB
fsr-3906	173	16	percent1	percent1	NOUN
fsr-3906	173	17	ols	ol	NOUN
fsr-3906	173	18	regression2	regression2	NOUN
fsr-3906	173	19	estimate	estimate	NOUN
fsr-3906	173	20	std	std	PROPN
fsr-3906	173	21	.	.	NOUN
fsr-3906	174	1	error	error	NOUN
fsr-3906	174	2	p	p	NOUN
fsr-3906	174	3	-	-	PUNCT
fsr-3906	174	4	value3	value3	NOUN
fsr-3906	174	5	planned	plan	VERB
fsr-3906	174	6	retirement	retirement	NOUN
fsr-3906	174	7	age	age	NOUN
fsr-3906	174	8	(	(	PUNCT
fsr-3906	174	9	dependent	dependent	ADJ
fsr-3906	174	10	variable	variable	NOUN
fsr-3906	174	11	)	)	PUNCT
fsr-3906	174	12	61.97	61.97	NUM
fsr-3906	174	13	intercept	intercept	NOUN
fsr-3906	174	14	69.3167	69.3167	NUM
fsr-3906	174	15	6.7182	6.7182	NUM
fsr-3906	174	16	0.0001	0.0001	NUM
fsr-3906	174	17	*	*	PUNCT
fsr-3906	174	18	*	*	PUNCT
fsr-3906	174	19	*	*	PUNCT
fsr-3906	174	20	financial	financial	ADJ
fsr-3906	174	21	variables	variable	NOUN
fsr-3906	174	22	/	/	SYM
fsr-3906	174	23	access	access	NOUN
fsr-3906	174	24	to	to	ADP
fsr-3906	174	25	resources	resource	NOUN
fsr-3906	174	26	log(non	log(non	NOUN
fsr-3906	174	27	-	-	PUNCT
fsr-3906	174	28	investment	investment	NOUN
fsr-3906	174	29	income	income	NOUN
fsr-3906	174	30	)	)	PUNCT
fsr-3906	174	31	10.72	10.72	NUM
fsr-3906	174	32	0.3885	0.3885	NUM
fsr-3906	174	33	0.1781	0.1781	NUM
fsr-3906	174	34	0.0309	0.0309	NUM
fsr-3906	174	35	*	*	PUNCT
fsr-3906	174	36	log(financial	log(financial	ADJ
fsr-3906	174	37	assets	asset	NOUN
fsr-3906	174	38	excluding	exclude	VERB
fsr-3906	174	39	ira	ira	PROPN
fsr-3906	174	40	/	/	SYM
fsr-3906	174	41	keogh	keogh	PROPN
fsr-3906	174	42	and	and	CCONJ
fsr-3906	174	43	defined	define	VERB
fsr-3906	174	44	contribution	contribution	NOUN
fsr-3906	174	45	)	)	PUNCT
fsr-3906	174	46	8.70	8.70	NUM
fsr-3906	174	47	20.1797	20.1797	NUM
fsr-3906	174	48	0.0720	0.0720	NUM
fsr-3906	174	49	0.0127	0.0127	NUM
fsr-3906	174	50	*	*	NOUN
fsr-3906	174	51	log(nonfinancial	log(nonfinancial	ADJ
fsr-3906	174	52	assets	asset	NOUN
fsr-3906	174	53	)	)	PUNCT
fsr-3906	174	54	10.99	10.99	NUM
fsr-3906	174	55	20.1976	20.1976	NUM
fsr-3906	174	56	0.0833	0.0833	NUM
fsr-3906	174	57	0.0179	0.0179	NUM
fsr-3906	174	58	*	*	SYM
fsr-3906	174	59	log(debt	log(debt	NOUN
fsr-3906	174	60	)	)	PUNCT
fsr-3906	174	61	9.24	9.24	NUM
fsr-3906	174	62	0.0448	0.0448	NUM
fsr-3906	174	63	0.0415	0.0415	NUM
fsr-3906	174	64	0.2812	0.2812	NUM
fsr-3906	174	65	log(ira	log(ira	PROPN
fsr-3906	174	66	/	/	SYM
fsr-3906	174	67	keogh	keogh	PROPN
fsr-3906	174	68	)	)	PUNCT
fsr-3906	174	69	3.44	3.44	NUM
fsr-3906	174	70	20.0759	20.0759	NUM
fsr-3906	174	71	0.0357	0.0357	NUM
fsr-3906	174	72	0.0335	0.0335	NUM
fsr-3906	174	73	*	*	PUNCT
fsr-3906	174	74	log(defined	log(define	VERB
fsr-3906	174	75	contribution	contribution	NOUN
fsr-3906	174	76	)	)	PUNCT
fsr-3906	174	77	4.28	4.28	NUM
fsr-3906	174	78	20.0520	20.0520	NUM
fsr-3906	174	79	0.0311	0.0311	NUM
fsr-3906	174	80	0.0954	0.0954	NUM
fsr-3906	174	81	defined	define	VERB
fsr-3906	174	82	benefit	benefit	NOUN
fsr-3906	174	83	ownership	ownership	NOUN
fsr-3906	174	84	34.2	34.2	NUM
fsr-3906	174	85	%	%	NOUN
fsr-3906	174	86	20.7557	20.7557	NUM
fsr-3906	174	87	0.3411	0.3411	NUM
fsr-3906	174	88	0.0268	0.0268	NUM
fsr-3906	174	89	*	*	SYM
fsr-3906	174	90	employed	employ	VERB
fsr-3906	174	91	spouse	spouse	NOUN
fsr-3906	174	92	/	/	SYM
fsr-3906	174	93	partner	partner	NOUN
fsr-3906	174	94	47.3	47.3	NUM
fsr-3906	174	95	%	%	NOUN
fsr-3906	174	96	0.3024	0.3024	NUM
fsr-3906	174	97	0.3162	0.3162	NUM
fsr-3906	174	98	0.3388	0.3388	NUM
fsr-3906	174	99	household	household	NOUN
fsr-3906	174	100	size	size	NOUN
fsr-3906	174	101	3.0	3.0	NUM
fsr-3906	174	102	0.0769	0.0769	NUM
fsr-3906	174	103	0.1168	0.1168	NUM
fsr-3906	174	104	0.5102	0.5102	NUM
fsr-3906	174	105	retirement	retirement	NOUN
fsr-3906	174	106	is	be	AUX
fsr-3906	174	107	a	a	DET
fsr-3906	174	108	saving	save	VERB
fsr-3906	174	109	goal	goal	NOUN
fsr-3906	174	110	34.1	34.1	NUM
fsr-3906	174	111	%	%	NOUN
fsr-3906	174	112	20.4173	20.4173	NUM
fsr-3906	174	113	0.3179	0.3179	NUM
fsr-3906	174	114	0.1893	0.1893	NUM
fsr-3906	174	115	characteristics	characteristic	NOUN
fsr-3906	174	116	of	of	ADP
fsr-3906	174	117	employment	employment	NOUN
fsr-3906	174	118	respondent	respondent	NOUN
fsr-3906	174	119	self	self	NOUN
fsr-3906	174	120	-	-	PUNCT
fsr-3906	174	121	reports	report	NOUN
fsr-3906	174	122	poor	poor	ADJ
fsr-3906	174	123	health	health	NOUN
fsr-3906	174	124	1.0	1.0	NUM
fsr-3906	174	125	%	%	NOUN
fsr-3906	174	126	0.5543	0.5543	NUM
fsr-3906	174	127	1.9092	1.9092	NUM
fsr-3906	174	128	0.7716	0.7716	NUM
fsr-3906	174	129	respondent	respondent	NOUN
fsr-3906	174	130	is	be	AUX
fsr-3906	174	131	self	self	NOUN
fsr-3906	174	132	employed	employ	VERB
fsr-3906	174	133	10.8	10.8	NUM
fsr-3906	174	134	%	%	NOUN
fsr-3906	174	135	0.3040	0.3040	NUM
fsr-3906	174	136	0.3985	0.3985	NUM
fsr-3906	174	137	0.4456	0.4456	NUM
fsr-3906	174	138	respondent	respondent	NOUN
fsr-3906	174	139	’s	’s	PART
fsr-3906	174	140	occupation	occupation	NOUN
fsr-3906	174	141	(	(	PUNCT
fsr-3906	174	142	reference	reference	NOUN
fsr-3906	174	143	category	category	NOUN
fsr-3906	174	144	:	:	PUNCT
fsr-3906	174	145	managerial	managerial	ADJ
fsr-3906	174	146	and	and	CCONJ
fsr-3906	174	147	professional	professional	ADJ
fsr-3906	174	148	specialty	specialty	NOUN
fsr-3906	174	149	)	)	PUNCT
fsr-3906	174	150	technical	technical	ADJ
fsr-3906	174	151	,	,	PUNCT
fsr-3906	174	152	sales	sale	NOUN
fsr-3906	174	153	,	,	PUNCT
fsr-3906	174	154	administrative	administrative	ADJ
fsr-3906	174	155	support	support	NOUN
fsr-3906	174	156	24.6	24.6	NUM
fsr-3906	174	157	%	%	NOUN
fsr-3906	174	158	0.4040	0.4040	NUM
fsr-3906	174	159	0.4192	0.4192	NUM
fsr-3906	174	160	0.3355	0.3355	NUM
fsr-3906	174	161	service	service	NOUN
fsr-3906	174	162	9.0	9.0	NUM
fsr-3906	174	163	%	%	NOUN
fsr-3906	174	164	21.4772	21.4772	NUM
fsr-3906	174	165	0.7020	0.7020	NUM
fsr-3906	174	166	0.0354	0.0354	NUM
fsr-3906	174	167	*	*	SYM
fsr-3906	174	168	precision	precision	NOUN
fsr-3906	174	169	production	production	NOUN
fsr-3906	174	170	,	,	PUNCT
fsr-3906	174	171	craft	craft	NOUN
fsr-3906	174	172	and	and	CCONJ
fsr-3906	174	173	repair	repair	VERB
fsr-3906	174	174	12.9	12.9	NUM
fsr-3906	174	175	%	%	NOUN
fsr-3906	174	176	21.2691	21.2691	NUM
fsr-3906	174	177	0.6032	0.6032	NUM
fsr-3906	174	178	0.0355	0.0355	NUM
fsr-3906	174	179	*	*	PUNCT
fsr-3906	174	180	operators	operator	NOUN
fsr-3906	174	181	,	,	PUNCT
fsr-3906	174	182	fabricators	fabricator	NOUN
fsr-3906	174	183	,	,	PUNCT
fsr-3906	174	184	and	and	CCONJ
fsr-3906	174	185	laborers	laborer	NOUN
fsr-3906	174	186	20.0	20.0	NUM
fsr-3906	174	187	%	%	NOUN
fsr-3906	174	188	20.0331	20.0331	NUM
fsr-3906	174	189	0.5526	0.5526	NUM
fsr-3906	174	190	0.9522	0.9522	NUM
fsr-3906	174	191	farming	farming	NOUN
fsr-3906	174	192	,	,	PUNCT
fsr-3906	174	193	forestry	forestry	NOUN
fsr-3906	174	194	,	,	PUNCT
fsr-3906	174	195	and	and	CCONJ
fsr-3906	174	196	fishing	fish	VERB
fsr-3906	174	197	1.8	1.8	NUM
fsr-3906	174	198	%	%	NOUN
fsr-3906	174	199	22.0350	22.0350	NUM
fsr-3906	174	200	1.1511	1.1511	NUM
fsr-3906	174	201	0.0772	0.0772	NUM
fsr-3906	174	202	respondent	respondent	NOUN
fsr-3906	174	203	demographic	demographic	ADJ
fsr-3906	174	204	characteristics	characteristic	NOUN
fsr-3906	174	205	and	and	CCONJ
fsr-3906	174	206	perceptions	perception	NOUN
fsr-3906	174	207	respondent	respondent	VERB
fsr-3906	174	208	’s	’s	PART
fsr-3906	174	209	life	life	NOUN
fsr-3906	174	210	expectancy	expectancy	NOUN
fsr-3906	174	211	(	(	PUNCT
fsr-3906	174	212	years	year	NOUN
fsr-3906	174	213	)	)	PUNCT
fsr-3906	175	1	80.22	80.22	NUM
fsr-3906	175	2	0.0511	0.0511	NUM
fsr-3906	175	3	0.0163	0.0163	NUM
fsr-3906	175	4	0.0024	0.0024	NUM
fsr-3906	175	5	*	*	NOUN
fsr-3906	175	6	*	*	NOUN
fsr-3906	175	7	age	age	NOUN
fsr-3906	175	8	of	of	ADP
fsr-3906	175	9	respondent	respondent	NOUN
fsr-3906	175	10	46.09	46.09	NUM
fsr-3906	175	11	20.8195	20.8195	NUM
fsr-3906	175	12	0.2483	0.2483	NUM
fsr-3906	175	13	0.0010	0.0010	NUM
fsr-3906	175	14	*	*	NOUN
fsr-3906	175	15	*	*	NOUN
fsr-3906	175	16	age	age	NOUN
fsr-3906	175	17	of	of	ADP
fsr-3906	175	18	respondent	respondent	NOUN
fsr-3906	175	19	squared	square	VERB
fsr-3906	175	20	2184.14	2184.14	NUM
fsr-3906	175	21	0.0116	0.0116	NUM
fsr-3906	175	22	0.0026	0.0026	NUM
fsr-3906	175	23	0.0001	0.0001	NUM
fsr-3906	175	24	*	*	PUNCT
fsr-3906	175	25	*	*	PUNCT
fsr-3906	175	26	*	*	PUNCT
fsr-3906	175	27	respondent	respondent	NOUN
fsr-3906	175	28	’s	’s	PART
fsr-3906	175	29	race	race	NOUN
fsr-3906	175	30	/	/	SYM
fsr-3906	175	31	ethnicity	ethnicity	NOUN
fsr-3906	175	32	(	(	PUNCT
fsr-3906	175	33	reference	reference	NOUN
fsr-3906	175	34	category	category	NOUN
fsr-3906	175	35	:	:	PUNCT
fsr-3906	175	36	white	white	ADJ
fsr-3906	175	37	non	non	ADJ
fsr-3906	175	38	-	-	ADJ
fsr-3906	175	39	hispanic	hispanic	ADJ
fsr-3906	175	40	)	)	PUNCT
fsr-3906	175	41	black	black	ADJ
fsr-3906	175	42	non	non	ADJ
fsr-3906	175	43	-	-	ADJ
fsr-3906	175	44	hispanic	hispanic	ADJ
fsr-3906	175	45	10.7	10.7	NUM
fsr-3906	175	46	%	%	NOUN
fsr-3906	175	47	22.4825	22.4825	NUM
fsr-3906	175	48	0.6583	0.6583	NUM
fsr-3906	175	49	0.0002	0.0002	NUM
fsr-3906	175	50	*	*	PUNCT
fsr-3906	175	51	*	*	PUNCT
fsr-3906	175	52	*	*	PUNCT
fsr-3906	175	53	hispanic	hispanic	ADJ
fsr-3906	175	54	5.1	5.1	NUM
fsr-3906	175	55	%	%	NOUN
fsr-3906	175	56	22.3700	22.3700	NUM
fsr-3906	175	57	0.8655	0.8655	NUM
fsr-3906	175	58	0.0066	0.0066	NUM
fsr-3906	175	59	*	*	PROPN
fsr-3906	175	60	*	*	PUNCT
fsr-3906	175	61	other	other	ADJ
fsr-3906	175	62	races	race	NOUN
fsr-3906	175	63	4.7	4.7	NUM
fsr-3906	175	64	%	%	NOUN
fsr-3906	175	65	20.9494	20.9494	NUM
fsr-3906	175	66	0.7092	0.7092	NUM
fsr-3906	175	67	0.1813	0.1813	NUM
fsr-3906	175	68	respondent	respondent	NOUN
fsr-3906	175	69	’s	’s	PART
fsr-3906	175	70	education	education	NOUN
fsr-3906	175	71	(	(	PUNCT
fsr-3906	175	72	reference	reference	NOUN
fsr-3906	175	73	category	category	NOUN
fsr-3906	175	74	:	:	PUNCT
fsr-3906	175	75	less	less	ADJ
fsr-3906	175	76	than	than	ADP
fsr-3906	175	77	high	high	ADJ
fsr-3906	175	78	school	school	NOUN
fsr-3906	175	79	graduate	graduate	NOUN
fsr-3906	175	80	)	)	PUNCT
fsr-3906	175	81	high	high	ADJ
fsr-3906	175	82	school	school	NOUN
fsr-3906	175	83	graduate	graduate	NOUN
fsr-3906	175	84	30.2	30.2	NUM
fsr-3906	175	85	%	%	NOUN
fsr-3906	175	86	0.7226	0.7226	NUM
fsr-3906	175	87	0.6793	0.6793	NUM
fsr-3906	175	88	0.2877	0.2877	NUM
fsr-3906	175	89	some	some	DET
fsr-3906	175	90	college	college	NOUN
fsr-3906	175	91	education	education	NOUN
fsr-3906	175	92	25.6	25.6	NUM
fsr-3906	175	93	%	%	NOUN
fsr-3906	175	94	1.3220	1.3220	NUM
fsr-3906	175	95	0.7007	0.7007	NUM
fsr-3906	175	96	0.0593	0.0593	NUM
fsr-3906	175	97	college	college	NOUN
fsr-3906	175	98	graduate	graduate	NOUN
fsr-3906	175	99	or	or	CCONJ
fsr-3906	175	100	more	more	ADJ
fsr-3906	175	101	33.6	33.6	NUM
fsr-3906	175	102	%	%	NOUN
fsr-3906	175	103	1.7421	1.7421	NUM
fsr-3906	175	104	0.7366	0.7366	NUM
fsr-3906	175	105	0.0181	0.0181	NUM
fsr-3906	175	106	*	*	PUNCT
fsr-3906	175	107	selection	selection	NOUN
fsr-3906	175	108	bias	bias	NOUN
fsr-3906	175	109	correction	correction	NOUN
fsr-3906	175	110	variable	variable	NOUN
fsr-3906	175	111	0.28	0.28	NUM
fsr-3906	175	112	0.6124	0.6124	NUM
fsr-3906	175	113	1.1247	1.1247	NUM
fsr-3906	175	114	0.5861	0.5861	NUM
fsr-3906	175	115	model	model	NOUN
fsr-3906	175	116	f	f	PROPN
fsr-3906	175	117	-	-	PUNCT
fsr-3906	175	118	statistic5	statistic5	PROPN
fsr-3906	175	119	16.0438	16.0438	NUM
fsr-3906	175	120	(	(	PUNCT
fsr-3906	175	121	p	p	NOUN
fsr-3906	175	122	-	-	PUNCT
fsr-3906	175	123	value5	value5	NOUN
fsr-3906	175	124	0.0001	0.0001	NUM
fsr-3906	175	125	)	)	PUNCT
fsr-3906	175	126	.	.	PUNCT
fsr-3906	176	1	adjusted	adjust	VERB
fsr-3906	176	2	r	r	NOUN
fsr-3906	176	3	-	-	PUNCT
fsr-3906	176	4	square	square	ADJ
fsr-3906	176	5	ranges	range	NOUN
fsr-3906	176	6	from	from	ADP
fsr-3906	176	7	0.2093	0.2093	NUM
fsr-3906	176	8	to	to	ADP
fsr-3906	176	9	0.2194	0.2194	NUM
fsr-3906	176	10	.	.	PUNCT
fsr-3906	177	1	1	1	NUM
fsr-3906	177	2	descriptive	descriptive	ADJ
fsr-3906	177	3	statistics	statistic	NOUN
fsr-3906	177	4	are	be	AUX
fsr-3906	177	5	weighted	weight	VERB
fsr-3906	177	6	and	and	CCONJ
fsr-3906	177	7	estimated	estimate	VERB
fsr-3906	177	8	using	use	VERB
fsr-3906	177	9	rii	rii	NOUN
fsr-3906	177	10	techniques	technique	NOUN
fsr-3906	177	11	.	.	PUNCT
fsr-3906	178	1	2	2	NUM
fsr-3906	178	2	regression	regression	NOUN
fsr-3906	178	3	analysis	analysis	NOUN
fsr-3906	178	4	is	be	AUX
fsr-3906	178	5	unweighted	unweighte	VERB
fsr-3906	178	6	and	and	CCONJ
fsr-3906	178	7	estimated	estimate	VERB
fsr-3906	178	8	using	use	VERB
fsr-3906	178	9	rii	rii	NOUN
fsr-3906	178	10	techniques	technique	NOUN
fsr-3906	178	11	.	.	PUNCT
fsr-3906	179	1	3	3	NUM
fsr-3906	179	2	*	*	SYM
fsr-3906	179	3	p	p	X
fsr-3906	179	4	,	,	PUNCT
fsr-3906	179	5	.05	.05	NUM
fsr-3906	179	6	,	,	PUNCT
fsr-3906	179	7	*	*	PUNCT
fsr-3906	179	8	*	*	PUNCT
fsr-3906	180	1	p	p	X
fsr-3906	180	2	,	,	PUNCT
fsr-3906	180	3	.01	.01	NUM
fsr-3906	180	4	,	,	PUNCT
fsr-3906	180	5	*	*	PUNCT
fsr-3906	181	1	*	*	PUNCT
fsr-3906	181	2	*	*	PUNCT
fsr-3906	181	3	p	p	X
fsr-3906	181	4	,	,	PUNCT
fsr-3906	181	5	.001	.001	NUM
fsr-3906	181	6	.	.	PUNCT
fsr-3906	182	1	source	source	NOUN
fsr-3906	182	2	:	:	PUNCT
fsr-3906	182	3	1995	1995	NUM
fsr-3906	182	4	survey	survey	NOUN
fsr-3906	182	5	of	of	ADP
fsr-3906	182	6	consumer	consumer	NOUN
fsr-3906	182	7	finances	finance	NOUN
fsr-3906	182	8	(	(	PUNCT
fsr-3906	182	9	1,607	1,607	NUM
fsr-3906	182	10	)	)	PUNCT
fsr-3906	182	11	households	household	NOUN
fsr-3906	182	12	in	in	ADP
fsr-3906	182	13	each	each	DET
fsr-3906	182	14	implicate	implicate	NOUN
fsr-3906	182	15	)	)	PUNCT
fsr-3906	182	16	.	.	PUNCT
fsr-3906	183	1	10	10	NUM
fsr-3906	183	2	c.p	c.p	PROPN
fsr-3906	183	3	.	.	PROPN
fsr-3906	183	4	montalto	montalto	PROPN
fsr-3906	183	5	et	et	PROPN
fsr-3906	183	6	al	al	PROPN
fsr-3906	183	7	.	.	PUNCT
fsr-3906	183	8	/	/	SYM
fsr-3906	183	9	financial	financial	ADJ
fsr-3906	183	10	services	service	NOUN
fsr-3906	183	11	review	review	VERB
fsr-3906	183	12	9	9	NUM
fsr-3906	183	13	(	(	PUNCT
fsr-3906	183	14	2000	2000	NUM
fsr-3906	183	15	)	)	PUNCT
fsr-3906	183	16	1–15	1–15	PROPN
fsr-3906	184	1	4	4	NUM
fsr-3906	184	2	.	.	NOUN
fsr-3906	184	3	results	result	NOUN
fsr-3906	184	4	and	and	CCONJ
fsr-3906	184	5	discussion	discussion	NOUN
fsr-3906	184	6	4.1	4.1	NUM
fsr-3906	184	7	.	.	PUNCT
fsr-3906	185	1	probability	probability	NOUN
fsr-3906	185	2	of	of	ADP
fsr-3906	185	3	working	work	VERB
fsr-3906	185	4	full	full	ADJ
fsr-3906	185	5	-	-	PUNCT
fsr-3906	185	6	time	time	NOUN
fsr-3906	185	7	the	the	DET
fsr-3906	185	8	probit	probit	NOUN
fsr-3906	185	9	results	result	VERB
fsr-3906	185	10	for	for	ADP
fsr-3906	185	11	the	the	DET
fsr-3906	185	12	probability	probability	NOUN
fsr-3906	185	13	of	of	ADP
fsr-3906	185	14	working	work	VERB
fsr-3906	185	15	full	full	ADJ
fsr-3906	185	16	-	-	PUNCT
fsr-3906	185	17	time	time	NOUN
fsr-3906	185	18	are	be	AUX
fsr-3906	185	19	consistent	consistent	ADJ
fsr-3906	185	20	with	with	ADP
fsr-3906	185	21	a	a	DET
fsr-3906	185	22	priori	priori	ADJ
fsr-3906	185	23	expectations	expectation	NOUN
fsr-3906	185	24	and	and	CCONJ
fsr-3906	185	25	previous	previous	ADJ
fsr-3906	185	26	research	research	NOUN
fsr-3906	185	27	(	(	PUNCT
fsr-3906	185	28	table	table	NOUN
fsr-3906	185	29	1	1	NUM
fsr-3906	185	30	)	)	PUNCT
fsr-3906	185	31	.	.	PUNCT
fsr-3906	186	1	for	for	ADP
fsr-3906	186	2	a	a	DET
fsr-3906	186	3	40	40	NUM
fsr-3906	186	4	year	year	NOUN
fsr-3906	186	5	old	old	ADJ
fsr-3906	186	6	,	,	PUNCT
fsr-3906	186	7	white	white	ADJ
fsr-3906	186	8	,	,	PUNCT
fsr-3906	186	9	married	married	ADJ
fsr-3906	186	10	respondent	respondent	NOUN
fsr-3906	186	11	,	,	PUNCT
fsr-3906	186	12	in	in	ADP
fsr-3906	186	13	good	good	ADJ
fsr-3906	186	14	health	health	NOUN
fsr-3906	186	15	,	,	PUNCT
fsr-3906	186	16	with	with	ADP
fsr-3906	186	17	no	no	DET
fsr-3906	186	18	dependent	dependent	ADJ
fsr-3906	186	19	children	child	NOUN
fsr-3906	186	20	,	,	PUNCT
fsr-3906	186	21	a	a	DET
fsr-3906	186	22	high	high	ADJ
fsr-3906	186	23	school	school	NOUN
fsr-3906	186	24	diploma	diploma	NOUN
fsr-3906	186	25	,	,	PUNCT
fsr-3906	186	26	and	and	CCONJ
fsr-3906	186	27	22	22	NUM
fsr-3906	186	28	years	year	NOUN
fsr-3906	186	29	of	of	ADP
fsr-3906	186	30	previous	previous	ADJ
fsr-3906	186	31	full	full	ADJ
fsr-3906	186	32	-	-	PUNCT
fsr-3906	186	33	time	time	NOUN
fsr-3906	186	34	work	work	NOUN
fsr-3906	186	35	experience	experience	NOUN
fsr-3906	186	36	,	,	PUNCT
fsr-3906	186	37	the	the	DET
fsr-3906	186	38	probability	probability	NOUN
fsr-3906	186	39	of	of	ADP
fsr-3906	186	40	working	work	VERB
fsr-3906	186	41	full	full	ADJ
fsr-3906	186	42	-	-	PUNCT
fsr-3906	186	43	time	time	NOUN
fsr-3906	186	44	is	be	AUX
fsr-3906	186	45	90	90	NUM
fsr-3906	186	46	%	%	NOUN
fsr-3906	186	47	.	.	PUNCT
fsr-3906	187	1	the	the	DET
fsr-3906	187	2	probability	probability	NOUN
fsr-3906	187	3	of	of	ADP
fsr-3906	187	4	currently	currently	ADV
fsr-3906	187	5	working	work	VERB
fsr-3906	187	6	full	full	ADJ
fsr-3906	187	7	-	-	PUNCT
fsr-3906	187	8	time	time	NOUN
fsr-3906	187	9	increases	increase	NOUN
fsr-3906	187	10	with	with	ADP
fsr-3906	187	11	education	education	NOUN
fsr-3906	187	12	and	and	CCONJ
fsr-3906	187	13	work	work	NOUN
fsr-3906	187	14	experience	experience	NOUN
fsr-3906	187	15	.	.	PUNCT
fsr-3906	188	1	for	for	ADP
fsr-3906	188	2	the	the	DET
fsr-3906	188	3	reference	reference	NOUN
fsr-3906	188	4	case	case	NOUN
fsr-3906	188	5	,	,	PUNCT
fsr-3906	188	6	the	the	DET
fsr-3906	188	7	probability	probability	NOUN
fsr-3906	188	8	of	of	ADP
fsr-3906	188	9	working	work	VERB
fsr-3906	188	10	full	full	ADJ
fsr-3906	188	11	-	-	PUNCT
fsr-3906	188	12	time	time	NOUN
fsr-3906	188	13	is	be	AUX
fsr-3906	188	14	only	only	ADV
fsr-3906	188	15	86	86	NUM
fsr-3906	188	16	%	%	NOUN
fsr-3906	188	17	for	for	ADP
fsr-3906	188	18	someone	someone	PRON
fsr-3906	188	19	who	who	PRON
fsr-3906	188	20	has	have	AUX
fsr-3906	188	21	not	not	PART
fsr-3906	188	22	completed	complete	VERB
fsr-3906	188	23	high	high	ADJ
fsr-3906	188	24	school	school	NOUN
fsr-3906	188	25	,	,	PUNCT
fsr-3906	188	26	and	and	CCONJ
fsr-3906	188	27	increases	increase	VERB
fsr-3906	188	28	to	to	ADP
fsr-3906	188	29	94	94	NUM
fsr-3906	188	30	%	%	NOUN
fsr-3906	188	31	for	for	ADP
fsr-3906	188	32	a	a	DET
fsr-3906	188	33	college	college	NOUN
fsr-3906	188	34	graduate	graduate	NOUN
fsr-3906	188	35	.	.	PUNCT
fsr-3906	189	1	each	each	DET
fsr-3906	189	2	additional	additional	ADJ
fsr-3906	189	3	year	year	NOUN
fsr-3906	189	4	of	of	ADP
fsr-3906	189	5	previous	previous	ADJ
fsr-3906	189	6	full	full	ADJ
fsr-3906	189	7	-	-	PUNCT
fsr-3906	189	8	time	time	NOUN
fsr-3906	189	9	work	work	NOUN
fsr-3906	189	10	experience	experience	NOUN
fsr-3906	189	11	increases	increase	VERB
fsr-3906	189	12	the	the	DET
fsr-3906	189	13	probability	probability	NOUN
fsr-3906	189	14	of	of	ADP
fsr-3906	189	15	currently	currently	ADV
fsr-3906	189	16	working	work	VERB
fsr-3906	189	17	full	full	ADJ
fsr-3906	189	18	-	-	PUNCT
fsr-3906	189	19	time	time	NOUN
fsr-3906	189	20	by	by	ADP
fsr-3906	189	21	0.76	0.76	NUM
fsr-3906	189	22	percentage	percentage	NOUN
fsr-3906	189	23	points	point	NOUN
fsr-3906	189	24	.	.	PUNCT
fsr-3906	190	1	for	for	ADP
fsr-3906	190	2	the	the	DET
fsr-3906	190	3	reference	reference	NOUN
fsr-3906	190	4	case	case	NOUN
fsr-3906	190	5	,	,	PUNCT
fsr-3906	190	6	25	25	NUM
fsr-3906	190	7	years	year	NOUN
fsr-3906	190	8	of	of	ADP
fsr-3906	190	9	previous	previous	ADJ
fsr-3906	190	10	full	full	ADJ
fsr-3906	190	11	-	-	PUNCT
fsr-3906	190	12	time	time	NOUN
fsr-3906	190	13	work	work	NOUN
fsr-3906	190	14	experience	experience	NOUN
fsr-3906	190	15	increases	increase	VERB
fsr-3906	190	16	the	the	DET
fsr-3906	190	17	probability	probability	NOUN
fsr-3906	190	18	of	of	ADP
fsr-3906	190	19	currently	currently	ADV
fsr-3906	190	20	working	work	VERB
fsr-3906	190	21	full	full	ADJ
fsr-3906	190	22	-	-	PUNCT
fsr-3906	190	23	time	time	NOUN
fsr-3906	190	24	to	to	ADP
fsr-3906	190	25	92.5	92.5	NUM
fsr-3906	190	26	%	%	NOUN
fsr-3906	190	27	.	.	PUNCT
fsr-3906	191	1	age	age	NOUN
fsr-3906	191	2	is	be	AUX
fsr-3906	191	3	inversely	inversely	ADV
fsr-3906	191	4	related	relate	VERB
fsr-3906	191	5	to	to	ADP
fsr-3906	191	6	the	the	DET
fsr-3906	191	7	probability	probability	NOUN
fsr-3906	191	8	of	of	ADP
fsr-3906	191	9	currently	currently	ADV
fsr-3906	191	10	working	work	VERB
fsr-3906	191	11	full	full	ADJ
fsr-3906	191	12	-	-	PUNCT
fsr-3906	191	13	time	time	NOUN
fsr-3906	191	14	within	within	ADP
fsr-3906	191	15	the	the	DET
fsr-3906	191	16	sample	sample	NOUN
fsr-3906	191	17	of	of	ADP
fsr-3906	191	18	people	people	NOUN
fsr-3906	191	19	35	35	NUM
fsr-3906	191	20	to	to	PART
fsr-3906	191	21	70	70	NUM
fsr-3906	191	22	years	year	NOUN
fsr-3906	191	23	old	old	ADJ
fsr-3906	191	24	,	,	PUNCT
fsr-3906	191	25	with	with	ADP
fsr-3906	191	26	the	the	DET
fsr-3906	191	27	most	most	ADV
fsr-3906	191	28	noticeable	noticeable	ADJ
fsr-3906	191	29	declines	decline	NOUN
fsr-3906	191	30	occurring	occur	VERB
fsr-3906	191	31	after	after	ADP
fsr-3906	191	32	age	age	NOUN
fsr-3906	191	33	50	50	NUM
fsr-3906	191	34	.	.	PUNCT
fsr-3906	192	1	for	for	ADP
fsr-3906	192	2	the	the	DET
fsr-3906	192	3	reference	reference	NOUN
fsr-3906	192	4	case	case	NOUN
fsr-3906	192	5	,	,	PUNCT
fsr-3906	192	6	the	the	DET
fsr-3906	192	7	probability	probability	NOUN
fsr-3906	192	8	of	of	ADP
fsr-3906	192	9	currently	currently	ADV
fsr-3906	192	10	working	work	VERB
fsr-3906	192	11	full	full	ADJ
fsr-3906	192	12	-	-	PUNCT
fsr-3906	192	13	time	time	NOUN
fsr-3906	192	14	is	be	AUX
fsr-3906	192	15	92	92	NUM
fsr-3906	192	16	%	%	NOUN
fsr-3906	192	17	at	at	ADP
fsr-3906	192	18	age	age	NOUN
fsr-3906	192	19	35	35	NUM
fsr-3906	192	20	,	,	PUNCT
fsr-3906	192	21	90	90	NUM
fsr-3906	192	22	%	%	NOUN
fsr-3906	192	23	at	at	ADP
fsr-3906	192	24	age	age	NOUN
fsr-3906	192	25	40	40	NUM
fsr-3906	192	26	,	,	PUNCT
fsr-3906	192	27	89	89	NUM
fsr-3906	192	28	%	%	NOUN
fsr-3906	192	29	at	at	ADP
fsr-3906	192	30	age	age	NOUN
fsr-3906	192	31	45	45	NUM
fsr-3906	192	32	,	,	PUNCT
fsr-3906	192	33	82	82	NUM
fsr-3906	192	34	%	%	NOUN
fsr-3906	192	35	at	at	ADP
fsr-3906	192	36	age	age	NOUN
fsr-3906	192	37	50	50	NUM
fsr-3906	192	38	,	,	PUNCT
fsr-3906	192	39	then	then	ADV
fsr-3906	192	40	declines	decline	VERB
fsr-3906	192	41	to	to	ADP
fsr-3906	192	42	73	73	NUM
fsr-3906	192	43	%	%	NOUN
fsr-3906	192	44	at	at	ADP
fsr-3906	192	45	age	age	NOUN
fsr-3906	192	46	55	55	NUM
fsr-3906	192	47	,	,	PUNCT
fsr-3906	192	48	37	37	NUM
fsr-3906	192	49	%	%	NOUN
fsr-3906	192	50	at	at	ADP
fsr-3906	192	51	age	age	NOUN
fsr-3906	192	52	60	60	NUM
fsr-3906	192	53	,	,	PUNCT
fsr-3906	192	54	10	10	NUM
fsr-3906	192	55	%	%	NOUN
fsr-3906	192	56	at	at	ADP
fsr-3906	192	57	age	age	NOUN
fsr-3906	192	58	65	65	NUM
fsr-3906	192	59	,	,	PUNCT
fsr-3906	192	60	and	and	CCONJ
fsr-3906	192	61	4	4	NUM
fsr-3906	192	62	%	%	NOUN
fsr-3906	192	63	at	at	ADP
fsr-3906	192	64	age	age	NOUN
fsr-3906	192	65	70	70	NUM
fsr-3906	192	66	.	.	PUNCT
fsr-3906	193	1	the	the	DET
fsr-3906	193	2	probability	probability	NOUN
fsr-3906	193	3	of	of	ADP
fsr-3906	193	4	currently	currently	ADV
fsr-3906	193	5	working	work	VERB
fsr-3906	193	6	full	full	ADJ
fsr-3906	193	7	-	-	PUNCT
fsr-3906	193	8	time	time	NOUN
fsr-3906	193	9	is	be	AUX
fsr-3906	193	10	lower	low	ADJ
fsr-3906	193	11	for	for	ADP
fsr-3906	193	12	black	black	ADJ
fsr-3906	193	13	,	,	PUNCT
fsr-3906	193	14	non	non	ADJ
fsr-3906	193	15	-	-	ADJ
fsr-3906	193	16	hispanic	hispanic	ADJ
fsr-3906	193	17	respondents	respondent	NOUN
fsr-3906	193	18	than	than	ADP
fsr-3906	193	19	for	for	ADP
fsr-3906	193	20	otherwise	otherwise	ADV
fsr-3906	193	21	similar	similar	ADJ
fsr-3906	193	22	white	white	ADJ
fsr-3906	193	23	,	,	PUNCT
fsr-3906	193	24	non	non	ADJ
fsr-3906	193	25	-	-	ADJ
fsr-3906	193	26	hispanic	hispanic	ADJ
fsr-3906	193	27	respondents	respondent	NOUN
fsr-3906	193	28	(	(	PUNCT
fsr-3906	193	29	85	85	NUM
fsr-3906	193	30	%	%	NOUN
fsr-3906	193	31	vs.	vs.	ADP
fsr-3906	193	32	90	90	NUM
fsr-3906	193	33	%	%	NOUN
fsr-3906	193	34	given	give	VERB
fsr-3906	193	35	the	the	DET
fsr-3906	193	36	characteristics	characteristic	NOUN
fsr-3906	193	37	of	of	ADP
fsr-3906	193	38	the	the	DET
fsr-3906	193	39	reference	reference	NOUN
fsr-3906	193	40	case	case	NOUN
fsr-3906	193	41	)	)	PUNCT
fsr-3906	193	42	.	.	PUNCT
fsr-3906	194	1	compared	compare	VERB
fsr-3906	194	2	to	to	ADP
fsr-3906	194	3	respondents	respondent	NOUN
fsr-3906	194	4	who	who	PRON
fsr-3906	194	5	are	be	AUX
fsr-3906	194	6	married	married	ADJ
fsr-3906	194	7	or	or	CCONJ
fsr-3906	194	8	living	live	VERB
fsr-3906	194	9	with	with	ADP
fsr-3906	194	10	a	a	DET
fsr-3906	194	11	partner	partner	NOUN
fsr-3906	194	12	,	,	PUNCT
fsr-3906	194	13	unmarried	unmarried	ADJ
fsr-3906	194	14	respondents	respondent	NOUN
fsr-3906	194	15	living	live	VERB
fsr-3906	194	16	alone	alone	ADV
fsr-3906	194	17	,	,	PUNCT
fsr-3906	194	18	and	and	CCONJ
fsr-3906	194	19	unmarried	unmarried	ADJ
fsr-3906	194	20	female	female	ADJ
fsr-3906	194	21	respondents	respondent	NOUN
fsr-3906	194	22	living	live	VERB
fsr-3906	194	23	with	with	ADP
fsr-3906	194	24	at	at	ADV
fsr-3906	194	25	least	least	ADV
fsr-3906	194	26	one	one	NUM
fsr-3906	194	27	other	other	ADJ
fsr-3906	194	28	person	person	NOUN
fsr-3906	194	29	,	,	PUNCT
fsr-3906	194	30	are	be	AUX
fsr-3906	194	31	less	less	ADV
fsr-3906	194	32	likely	likely	ADJ
fsr-3906	194	33	to	to	PART
fsr-3906	194	34	currently	currently	ADV
fsr-3906	194	35	work	work	VERB
fsr-3906	194	36	full	full	ADJ
fsr-3906	194	37	-	-	PUNCT
fsr-3906	194	38	time	time	NOUN
fsr-3906	194	39	.	.	PUNCT
fsr-3906	195	1	self	self	NOUN
fsr-3906	195	2	reported	report	VERB
fsr-3906	195	3	poor	poor	ADJ
fsr-3906	195	4	health	health	NOUN
fsr-3906	195	5	of	of	ADP
fsr-3906	195	6	the	the	DET
fsr-3906	195	7	respondent	respondent	NOUN
fsr-3906	195	8	also	also	ADV
fsr-3906	195	9	reduces	reduce	VERB
fsr-3906	195	10	the	the	DET
fsr-3906	195	11	probability	probability	NOUN
fsr-3906	195	12	of	of	ADP
fsr-3906	195	13	currently	currently	ADV
fsr-3906	195	14	working	work	VERB
fsr-3906	195	15	full	full	ADJ
fsr-3906	195	16	-	-	PUNCT
fsr-3906	195	17	time	time	NOUN
fsr-3906	195	18	.	.	PUNCT
fsr-3906	196	1	for	for	ADP
fsr-3906	196	2	the	the	DET
fsr-3906	196	3	reference	reference	NOUN
fsr-3906	196	4	case	case	NOUN
fsr-3906	196	5	,	,	PUNCT
fsr-3906	196	6	poor	poor	ADJ
fsr-3906	196	7	health	health	NOUN
fsr-3906	196	8	reduces	reduce	VERB
fsr-3906	196	9	the	the	DET
fsr-3906	196	10	probability	probability	NOUN
fsr-3906	196	11	of	of	ADP
fsr-3906	196	12	currently	currently	ADV
fsr-3906	196	13	working	work	VERB
fsr-3906	196	14	full	full	ADJ
fsr-3906	196	15	-	-	PUNCT
fsr-3906	196	16	time	time	NOUN
fsr-3906	196	17	to	to	ADP
fsr-3906	196	18	only	only	ADV
fsr-3906	196	19	46	46	NUM
fsr-3906	196	20	%	%	NOUN
fsr-3906	196	21	.	.	PUNCT
fsr-3906	197	1	4.2	4.2	NUM
fsr-3906	197	2	.	.	PUNCT
fsr-3906	198	1	planned	plan	VERB
fsr-3906	198	2	retirement	retirement	NOUN
fsr-3906	198	3	age	age	NOUN
fsr-3906	198	4	the	the	DET
fsr-3906	198	5	retirement	retirement	NOUN
fsr-3906	198	6	age	age	NOUN
fsr-3906	198	7	prediction	prediction	NOUN
fsr-3906	198	8	equation	equation	NOUN
fsr-3906	198	9	explains	explain	VERB
fsr-3906	198	10	approximately	approximately	ADV
fsr-3906	198	11	21	21	NUM
fsr-3906	198	12	%	%	NOUN
fsr-3906	198	13	of	of	ADP
fsr-3906	198	14	the	the	DET
fsr-3906	198	15	variance	variance	NOUN
fsr-3906	198	16	,	,	PUNCT
fsr-3906	198	17	and	and	CCONJ
fsr-3906	198	18	13	13	NUM
fsr-3906	198	19	of	of	ADP
fsr-3906	198	20	the	the	DET
fsr-3906	198	21	27	27	NUM
fsr-3906	198	22	variables	variable	NOUN
fsr-3906	198	23	are	be	AUX
fsr-3906	198	24	significant	significant	ADJ
fsr-3906	198	25	at	at	ADP
fsr-3906	198	26	the	the	DET
fsr-3906	198	27	0.05	0.05	NUM
fsr-3906	198	28	level	level	NOUN
fsr-3906	198	29	or	or	CCONJ
fsr-3906	198	30	better	well	ADJ
fsr-3906	198	31	(	(	PUNCT
fsr-3906	198	32	table	table	NOUN
fsr-3906	198	33	2	2	NUM
fsr-3906	198	34	)	)	PUNCT
fsr-3906	198	35	.	.	PUNCT
fsr-3906	199	1	the	the	DET
fsr-3906	199	2	levels	level	NOUN
fsr-3906	199	3	of	of	ADP
fsr-3906	199	4	financial	financial	ADJ
fsr-3906	199	5	assets	asset	NOUN
fsr-3906	199	6	(	(	PUNCT
fsr-3906	199	7	excluding	exclude	VERB
fsr-3906	199	8	ira	ira	PROPN
fsr-3906	199	9	/	/	SYM
fsr-3906	199	10	keogh	keogh	PROPN
fsr-3906	199	11	and	and	CCONJ
fsr-3906	199	12	defined	define	VERB
fsr-3906	199	13	contribution	contribution	NOUN
fsr-3906	199	14	values	value	NOUN
fsr-3906	199	15	)	)	PUNCT
fsr-3906	199	16	,	,	PUNCT
fsr-3906	199	17	nonfinancial	nonfinancial	ADJ
fsr-3906	199	18	assets	asset	NOUN
fsr-3906	199	19	,	,	PUNCT
fsr-3906	199	20	and	and	CCONJ
fsr-3906	199	21	other	other	ADJ
fsr-3906	199	22	private	private	ADJ
fsr-3906	199	23	pension	pension	NOUN
fsr-3906	199	24	funds	fund	NOUN
fsr-3906	199	25	significantly	significantly	ADV
fsr-3906	199	26	lower	low	ADJ
fsr-3906	199	27	the	the	DET
fsr-3906	199	28	planned	plan	VERB
fsr-3906	199	29	retirement	retirement	NOUN
fsr-3906	199	30	age	age	NOUN
fsr-3906	199	31	.	.	PUNCT
fsr-3906	200	1	levels	level	NOUN
fsr-3906	200	2	of	of	ADP
fsr-3906	200	3	financial	financial	ADJ
fsr-3906	200	4	assets	asset	NOUN
fsr-3906	200	5	and	and	CCONJ
fsr-3906	200	6	nonfinancial	nonfinancial	ADJ
fsr-3906	200	7	assets	asset	NOUN
fsr-3906	200	8	lower	low	ADJ
fsr-3906	200	9	the	the	DET
fsr-3906	200	10	planned	plan	VERB
fsr-3906	200	11	retirement	retirement	NOUN
fsr-3906	200	12	age	age	NOUN
fsr-3906	200	13	relatively	relatively	ADV
fsr-3906	200	14	more	more	ADV
fsr-3906	200	15	than	than	ADP
fsr-3906	200	16	levels	level	NOUN
fsr-3906	200	17	of	of	ADP
fsr-3906	200	18	ira	ira	PROPN
fsr-3906	200	19	/	/	SYM
fsr-3906	200	20	keogh	keogh	PROPN
fsr-3906	200	21	accounts	account	VERB
fsr-3906	200	22	or	or	CCONJ
fsr-3906	200	23	defined	define	VERB
fsr-3906	200	24	-	-	PUNCT
fsr-3906	200	25	contribution	contribution	NOUN
fsr-3906	200	26	pension	pension	NOUN
fsr-3906	200	27	plans	plan	NOUN
fsr-3906	200	28	.	.	PUNCT
fsr-3906	201	1	ownership	ownership	NOUN
fsr-3906	201	2	of	of	ADP
fsr-3906	201	3	a	a	DET
fsr-3906	201	4	defined	define	VERB
fsr-3906	201	5	-	-	PUNCT
fsr-3906	201	6	benefit	benefit	NOUN
fsr-3906	201	7	pension	pension	NOUN
fsr-3906	201	8	significantly	significantly	ADV
fsr-3906	201	9	decreases	decrease	VERB
fsr-3906	201	10	the	the	DET
fsr-3906	201	11	planned	plan	VERB
fsr-3906	201	12	retirement	retirement	NOUN
fsr-3906	201	13	age	age	NOUN
fsr-3906	201	14	.	.	PUNCT
fsr-3906	202	1	because	because	SCONJ
fsr-3906	202	2	the	the	DET
fsr-3906	202	3	dependent	dependent	ADJ
fsr-3906	202	4	variable	variable	NOUN
fsr-3906	202	5	is	be	AUX
fsr-3906	202	6	planned	plan	VERB
fsr-3906	202	7	retirement	retirement	NOUN
fsr-3906	202	8	age	age	NOUN
fsr-3906	202	9	,	,	PUNCT
fsr-3906	202	10	the	the	DET
fsr-3906	202	11	coefficients	coefficient	NOUN
fsr-3906	202	12	of	of	ADP
fsr-3906	202	13	dummy	dummy	ADJ
fsr-3906	202	14	variables	variable	NOUN
fsr-3906	202	15	can	can	AUX
fsr-3906	202	16	be	be	AUX
fsr-3906	202	17	interpreted	interpret	VERB
fsr-3906	202	18	as	as	ADP
fsr-3906	202	19	the	the	DET
fsr-3906	202	20	effect	effect	NOUN
fsr-3906	202	21	on	on	ADP
fsr-3906	202	22	planned	plan	VERB
fsr-3906	202	23	retirement	retirement	NOUN
fsr-3906	202	24	age	age	NOUN
fsr-3906	202	25	,	,	PUNCT
fsr-3906	202	26	holding	hold	VERB
fsr-3906	202	27	all	all	DET
fsr-3906	202	28	other	other	ADJ
fsr-3906	202	29	variables	variable	NOUN
fsr-3906	202	30	constant	constant	ADJ
fsr-3906	202	31	.	.	PUNCT
fsr-3906	203	1	for	for	ADP
fsr-3906	203	2	instance	instance	NOUN
fsr-3906	203	3	,	,	PUNCT
fsr-3906	203	4	all	all	DET
fsr-3906	203	5	other	other	ADJ
fsr-3906	203	6	things	thing	NOUN
fsr-3906	203	7	equal	equal	ADJ
fsr-3906	203	8	,	,	PUNCT
fsr-3906	203	9	those	those	PRON
fsr-3906	203	10	who	who	PRON
fsr-3906	203	11	have	have	VERB
fsr-3906	203	12	a	a	DET
fsr-3906	203	13	defined	define	VERB
fsr-3906	203	14	benefit	benefit	NOUN
fsr-3906	203	15	pension	pension	NOUN
fsr-3906	203	16	have	have	VERB
fsr-3906	203	17	a	a	DET
fsr-3906	203	18	predicted	predict	VERB
fsr-3906	203	19	retirement	retirement	NOUN
fsr-3906	203	20	age	age	NOUN
fsr-3906	203	21	0.76	0.76	NUM
fsr-3906	203	22	years	year	NOUN
fsr-3906	203	23	lower	low	ADJ
fsr-3906	203	24	than	than	ADP
fsr-3906	203	25	otherwise	otherwise	ADV
fsr-3906	203	26	similar	similar	ADJ
fsr-3906	203	27	households	household	NOUN
fsr-3906	203	28	without	without	ADP
fsr-3906	203	29	a	a	DET
fsr-3906	203	30	defined	define	VERB
fsr-3906	203	31	benefit	benefit	NOUN
fsr-3906	203	32	pension	pension	NOUN
fsr-3906	203	33	.	.	PUNCT
fsr-3906	204	1	planned	plan	VERB
fsr-3906	204	2	retirement	retirement	NOUN
fsr-3906	204	3	age	age	NOUN
fsr-3906	204	4	does	do	AUX
fsr-3906	204	5	not	not	PART
fsr-3906	204	6	vary	vary	VERB
fsr-3906	204	7	much	much	ADV
fsr-3906	204	8	across	across	ADP
fsr-3906	204	9	the	the	DET
fsr-3906	204	10	six	six	NUM
fsr-3906	204	11	broad	broad	ADJ
fsr-3906	204	12	occupation	occupation	NOUN
fsr-3906	204	13	categories	category	NOUN
fsr-3906	204	14	.	.	PUNCT
fsr-3906	205	1	more	more	ADV
fsr-3906	205	2	detailed	detailed	ADJ
fsr-3906	205	3	information	information	NOUN
fsr-3906	205	4	on	on	ADP
fsr-3906	205	5	occupation	occupation	NOUN
fsr-3906	205	6	may	may	AUX
fsr-3906	205	7	be	be	AUX
fsr-3906	205	8	necessary	necessary	ADJ
fsr-3906	205	9	to	to	PART
fsr-3906	205	10	accurately	accurately	ADV
fsr-3906	205	11	measure	measure	VERB
fsr-3906	205	12	this	this	DET
fsr-3906	205	13	effect	effect	NOUN
fsr-3906	205	14	.	.	PUNCT
fsr-3906	206	1	11c.p	11c.p	NUM
fsr-3906	206	2	.	.	PUNCT
fsr-3906	206	3	montalto	montalto	PROPN
fsr-3906	206	4	et	et	PROPN
fsr-3906	206	5	al	al	PROPN
fsr-3906	206	6	.	.	PUNCT
fsr-3906	206	7	/	/	SYM
fsr-3906	206	8	financial	financial	ADJ
fsr-3906	206	9	services	service	NOUN
fsr-3906	206	10	review	review	VERB
fsr-3906	206	11	9	9	NUM
fsr-3906	206	12	(	(	PUNCT
fsr-3906	206	13	2000	2000	NUM
fsr-3906	206	14	)	)	PUNCT
fsr-3906	206	15	1–15	1–15	PROPN
fsr-3906	206	16	being	be	AUX
fsr-3906	206	17	employed	employ	VERB
fsr-3906	206	18	in	in	ADP
fsr-3906	206	19	less	less	ADV
fsr-3906	206	20	-	-	PUNCT
fsr-3906	206	21	skilled	skilled	ADJ
fsr-3906	206	22	occupations	occupation	NOUN
fsr-3906	206	23	(	(	PUNCT
fsr-3906	206	24	service	service	NOUN
fsr-3906	206	25	;	;	PUNCT
fsr-3906	206	26	precision	precision	NOUN
fsr-3906	206	27	production	production	NOUN
fsr-3906	206	28	,	,	PUNCT
fsr-3906	206	29	craft	craft	NOUN
fsr-3906	206	30	and	and	CCONJ
fsr-3906	206	31	repair	repair	NOUN
fsr-3906	206	32	)	)	PUNCT
fsr-3906	206	33	relative	relative	ADJ
fsr-3906	206	34	to	to	ADP
fsr-3906	206	35	managerial	managerial	ADJ
fsr-3906	206	36	and	and	CCONJ
fsr-3906	206	37	professional	professional	ADJ
fsr-3906	206	38	specialty	specialty	NOUN
fsr-3906	206	39	occupations	occupation	NOUN
fsr-3906	206	40	decreases	decrease	VERB
fsr-3906	206	41	the	the	DET
fsr-3906	206	42	planned	plan	VERB
fsr-3906	206	43	retirement	retirement	NOUN
fsr-3906	206	44	age	age	NOUN
fsr-3906	206	45	by	by	ADP
fsr-3906	206	46	less	less	ADJ
fsr-3906	206	47	than	than	ADP
fsr-3906	206	48	1.5	1.5	NUM
fsr-3906	206	49	years	year	NOUN
fsr-3906	206	50	.	.	PUNCT
fsr-3906	207	1	being	be	AUX
fsr-3906	207	2	black	black	ADJ
fsr-3906	207	3	non	non	ADJ
fsr-3906	207	4	-	-	ADJ
fsr-3906	207	5	hispanic	hispanic	ADJ
fsr-3906	207	6	,	,	PUNCT
fsr-3906	207	7	or	or	CCONJ
fsr-3906	207	8	hispanic	hispanic	ADJ
fsr-3906	207	9	relative	relative	ADJ
fsr-3906	207	10	to	to	ADP
fsr-3906	207	11	white	white	ADJ
fsr-3906	207	12	non	non	ADJ
fsr-3906	207	13	-	-	ADJ
fsr-3906	207	14	hispanic	hispanic	ADJ
fsr-3906	207	15	decreases	decrease	VERB
fsr-3906	207	16	the	the	DET
fsr-3906	207	17	planned	plan	VERB
fsr-3906	207	18	retirement	retirement	NOUN
fsr-3906	207	19	age	age	NOUN
fsr-3906	207	20	significantly	significantly	ADV
fsr-3906	207	21	.	.	PUNCT
fsr-3906	208	1	the	the	DET
fsr-3906	208	2	planned	plan	VERB
fsr-3906	208	3	retirement	retirement	NOUN
fsr-3906	208	4	ages	age	NOUN
fsr-3906	208	5	for	for	ADP
fsr-3906	208	6	black	black	ADJ
fsr-3906	208	7	non	non	ADJ
fsr-3906	208	8	-	-	ADJ
fsr-3906	208	9	hispanic	hispanic	ADJ
fsr-3906	208	10	respondents	respondent	NOUN
fsr-3906	208	11	and	and	CCONJ
fsr-3906	208	12	hispanic	hispanic	ADJ
fsr-3906	208	13	respondents	respondent	NOUN
fsr-3906	208	14	are	be	AUX
fsr-3906	208	15	2.4	2.4	NUM
fsr-3906	208	16	and	and	CCONJ
fsr-3906	208	17	2.2	2.2	NUM
fsr-3906	208	18	years	year	NOUN
fsr-3906	208	19	lower	low	ADJ
fsr-3906	208	20	,	,	PUNCT
fsr-3906	208	21	respectively	respectively	ADV
fsr-3906	208	22	,	,	PUNCT
fsr-3906	208	23	than	than	ADP
fsr-3906	208	24	that	that	PRON
fsr-3906	208	25	of	of	ADP
fsr-3906	208	26	otherwise	otherwise	ADV
fsr-3906	208	27	similar	similar	ADJ
fsr-3906	208	28	white	white	ADJ
fsr-3906	208	29	non	non	ADJ
fsr-3906	208	30	-	-	ADJ
fsr-3906	208	31	hispanic	hispanic	ADJ
fsr-3906	208	32	respondents	respondent	NOUN
fsr-3906	208	33	.	.	PUNCT
fsr-3906	209	1	planned	plan	VERB
fsr-3906	209	2	retirement	retirement	NOUN
fsr-3906	209	3	age	age	NOUN
fsr-3906	209	4	increases	increase	VERB
fsr-3906	209	5	with	with	ADP
fsr-3906	209	6	noninvestment	noninvestment	ADJ
fsr-3906	209	7	income	income	NOUN
fsr-3906	209	8	,	,	PUNCT
fsr-3906	209	9	anticipated	anticipate	VERB
fsr-3906	209	10	life	life	NOUN
fsr-3906	209	11	expectancy	expectancy	NOUN
fsr-3906	209	12	of	of	ADP
fsr-3906	209	13	the	the	DET
fsr-3906	209	14	householder	householder	NOUN
fsr-3906	209	15	,	,	PUNCT
fsr-3906	209	16	the	the	DET
fsr-3906	209	17	combined	combined	ADJ
fsr-3906	209	18	effect	effect	NOUN
fsr-3906	209	19	of	of	ADP
fsr-3906	209	20	linear	linear	ADJ
fsr-3906	209	21	and	and	CCONJ
fsr-3906	209	22	quadratic	quadratic	ADJ
fsr-3906	209	23	age	age	NOUN
fsr-3906	209	24	variables	variable	NOUN
fsr-3906	209	25	,	,	PUNCT
fsr-3906	209	26	and	and	CCONJ
fsr-3906	209	27	education	education	NOUN
fsr-3906	209	28	.	.	PUNCT
fsr-3906	210	1	the	the	DET
fsr-3906	210	2	selection	selection	NOUN
fsr-3906	210	3	bias	bias	NOUN
fsr-3906	210	4	correction	correction	NOUN
fsr-3906	210	5	variable	variable	NOUN
fsr-3906	210	6	is	be	AUX
fsr-3906	210	7	not	not	PART
fsr-3906	210	8	statistically	statistically	ADV
fsr-3906	210	9	significant	significant	ADJ
fsr-3906	210	10	.	.	PUNCT
fsr-3906	211	1	the	the	DET
fsr-3906	211	2	effect	effect	NOUN
fsr-3906	211	3	of	of	ADP
fsr-3906	211	4	noninvestment	noninvestment	ADJ
fsr-3906	211	5	income	income	NOUN
fsr-3906	211	6	,	,	PUNCT
fsr-3906	211	7	although	although	SCONJ
fsr-3906	211	8	significant	significant	ADJ
fsr-3906	211	9	,	,	PUNCT
fsr-3906	211	10	is	be	AUX
fsr-3906	211	11	generally	generally	ADV
fsr-3906	211	12	small	small	ADJ
fsr-3906	211	13	.	.	PUNCT
fsr-3906	212	1	for	for	ADP
fsr-3906	212	2	instance	instance	NOUN
fsr-3906	212	3	,	,	PUNCT
fsr-3906	212	4	at	at	ADP
fsr-3906	212	5	the	the	DET
fsr-3906	212	6	mean	mean	ADJ
fsr-3906	212	7	values	value	NOUN
fsr-3906	212	8	of	of	ADP
fsr-3906	212	9	other	other	ADJ
fsr-3906	212	10	variables	variable	NOUN
fsr-3906	212	11	,	,	PUNCT
fsr-3906	212	12	the	the	DET
fsr-3906	212	13	predicted	predict	VERB
fsr-3906	212	14	effect	effect	NOUN
fsr-3906	212	15	of	of	ADP
fsr-3906	212	16	income	income	NOUN
fsr-3906	212	17	increasing	increase	VERB
fsr-3906	212	18	from	from	ADP
fsr-3906	212	19	$	$	SYM
fsr-3906	212	20	10,000	10,000	NUM
fsr-3906	212	21	per	per	ADP
fsr-3906	212	22	year	year	NOUN
fsr-3906	212	23	to	to	ADP
fsr-3906	212	24	$	$	SYM
fsr-3906	212	25	50,000	50,000	NUM
fsr-3906	212	26	per	per	ADP
fsr-3906	212	27	year	year	NOUN
fsr-3906	212	28	is	be	AUX
fsr-3906	212	29	a	a	DET
fsr-3906	212	30	0.63	0.63	NUM
fsr-3906	212	31	year	year	NOUN
fsr-3906	212	32	increase	increase	NOUN
fsr-3906	212	33	in	in	ADP
fsr-3906	212	34	planned	plan	VERB
fsr-3906	212	35	retirement	retirement	NOUN
fsr-3906	212	36	age	age	NOUN
fsr-3906	212	37	;	;	PUNCT
fsr-3906	212	38	but	but	CCONJ
fsr-3906	212	39	an	an	DET
fsr-3906	212	40	increase	increase	NOUN
fsr-3906	212	41	from	from	ADP
fsr-3906	212	42	$	$	SYM
fsr-3906	212	43	50,000	50,000	NUM
fsr-3906	212	44	per	per	ADP
fsr-3906	212	45	year	year	NOUN
fsr-3906	212	46	to	to	ADP
fsr-3906	212	47	$	$	SYM
fsr-3906	212	48	100,000	100,000	NUM
fsr-3906	212	49	per	per	ADP
fsr-3906	212	50	year	year	NOUN
fsr-3906	212	51	is	be	AUX
fsr-3906	212	52	only	only	ADV
fsr-3906	212	53	a	a	DET
fsr-3906	212	54	0.27	0.27	NUM
fsr-3906	212	55	year	year	NOUN
fsr-3906	212	56	increase	increase	NOUN
fsr-3906	212	57	in	in	ADP
fsr-3906	212	58	planned	plan	VERB
fsr-3906	212	59	retirement	retirement	NOUN
fsr-3906	212	60	age	age	NOUN
fsr-3906	212	61	.	.	PUNCT
fsr-3906	213	1	planned	plan	VERB
fsr-3906	213	2	retirement	retirement	NOUN
fsr-3906	213	3	age	age	NOUN
fsr-3906	213	4	of	of	ADP
fsr-3906	213	5	respondents	respondent	NOUN
fsr-3906	213	6	who	who	PRON
fsr-3906	213	7	have	have	AUX
fsr-3906	213	8	graduated	graduate	VERB
fsr-3906	213	9	from	from	ADP
fsr-3906	213	10	college	college	NOUN
fsr-3906	213	11	is	be	AUX
fsr-3906	213	12	1.7	1.7	NUM
fsr-3906	213	13	years	year	NOUN
fsr-3906	213	14	higher	high	ADJ
fsr-3906	213	15	than	than	ADP
fsr-3906	213	16	that	that	PRON
fsr-3906	213	17	of	of	ADP
fsr-3906	213	18	otherwise	otherwise	ADV
fsr-3906	213	19	similar	similar	ADJ
fsr-3906	213	20	respondents	respondent	NOUN
fsr-3906	213	21	who	who	PRON
fsr-3906	213	22	have	have	AUX
fsr-3906	213	23	not	not	PART
fsr-3906	213	24	finished	finish	VERB
fsr-3906	213	25	high	high	ADJ
fsr-3906	213	26	school	school	NOUN
fsr-3906	213	27	.	.	PUNCT
fsr-3906	214	1	fig	fig	NOUN
fsr-3906	214	2	.	.	PUNCT
fsr-3906	215	1	2	2	NUM
fsr-3906	215	2	shows	show	VERB
fsr-3906	215	3	the	the	DET
fsr-3906	215	4	effect	effect	NOUN
fsr-3906	215	5	of	of	ADP
fsr-3906	215	6	current	current	ADJ
fsr-3906	215	7	age	age	NOUN
fsr-3906	215	8	on	on	ADP
fsr-3906	215	9	planned	plan	VERB
fsr-3906	215	10	retirement	retirement	NOUN
fsr-3906	215	11	age	age	NOUN
fsr-3906	215	12	.	.	PUNCT
fsr-3906	216	1	at	at	ADP
fsr-3906	216	2	the	the	DET
fsr-3906	216	3	mean	mean	ADJ
fsr-3906	216	4	value	value	NOUN
fsr-3906	216	5	of	of	ADP
fsr-3906	216	6	other	other	ADJ
fsr-3906	216	7	variables	variable	NOUN
fsr-3906	216	8	,	,	PUNCT
fsr-3906	216	9	the	the	DET
fsr-3906	216	10	effect	effect	NOUN
fsr-3906	216	11	of	of	ADP
fsr-3906	216	12	increasing	increase	VERB
fsr-3906	216	13	current	current	ADJ
fsr-3906	216	14	age	age	NOUN
fsr-3906	216	15	from	from	ADP
fsr-3906	216	16	35	35	NUM
fsr-3906	216	17	to	to	PART
fsr-3906	216	18	45	45	NUM
fsr-3906	216	19	is	be	AUX
fsr-3906	216	20	a	a	DET
fsr-3906	216	21	1.08	1.08	NUM
fsr-3906	216	22	year	year	NOUN
fsr-3906	216	23	increase	increase	NOUN
fsr-3906	216	24	in	in	ADP
fsr-3906	216	25	planned	plan	VERB
fsr-3906	216	26	retirement	retirement	NOUN
fsr-3906	216	27	age	age	NOUN
fsr-3906	216	28	,	,	PUNCT
fsr-3906	216	29	while	while	SCONJ
fsr-3906	216	30	an	an	DET
fsr-3906	216	31	increase	increase	NOUN
fsr-3906	216	32	from	from	ADP
fsr-3906	216	33	45	45	NUM
fsr-3906	216	34	to	to	PART
fsr-3906	216	35	55	55	NUM
fsr-3906	216	36	is	be	AUX
fsr-3906	216	37	a	a	DET
fsr-3906	216	38	3.41	3.41	NUM
fsr-3906	216	39	year	year	NOUN
fsr-3906	216	40	increase	increase	NOUN
fsr-3906	216	41	,	,	PUNCT
fsr-3906	216	42	and	and	CCONJ
fsr-3906	216	43	an	an	DET
fsr-3906	216	44	increase	increase	NOUN
fsr-3906	216	45	from	from	ADP
fsr-3906	216	46	55	55	NUM
fsr-3906	216	47	to	to	PART
fsr-3906	216	48	65	65	NUM
fsr-3906	216	49	is	be	AUX
fsr-3906	216	50	a	a	DET
fsr-3906	216	51	5.72	5.72	NUM
fsr-3906	216	52	year	year	NOUN
fsr-3906	216	53	increase	increase	NOUN
fsr-3906	216	54	.	.	PUNCT
fsr-3906	217	1	5	5	X
fsr-3906	217	2	.	.	X
fsr-3906	217	3	summary	summary	NOUN
fsr-3906	217	4	and	and	CCONJ
fsr-3906	217	5	implications	implication	NOUN
fsr-3906	217	6	5.1	5.1	NUM
fsr-3906	217	7	.	.	PUNCT
fsr-3906	218	1	summary	summary	VERB
fsr-3906	218	2	the	the	DET
fsr-3906	218	3	regression	regression	NOUN
fsr-3906	218	4	results	result	NOUN
fsr-3906	218	5	suggest	suggest	VERB
fsr-3906	218	6	that	that	SCONJ
fsr-3906	218	7	financial	financial	ADJ
fsr-3906	218	8	preparation	preparation	NOUN
fsr-3906	218	9	for	for	ADP
fsr-3906	218	10	retirement	retirement	NOUN
fsr-3906	218	11	,	,	PUNCT
fsr-3906	218	12	as	as	ADV
fsr-3906	218	13	well	well	ADV
fsr-3906	218	14	as	as	ADP
fsr-3906	218	15	demographic	demographic	ADJ
fsr-3906	218	16	characteristics	characteristic	NOUN
fsr-3906	218	17	and	and	CCONJ
fsr-3906	218	18	perceptions	perception	NOUN
fsr-3906	218	19	,	,	PUNCT
fsr-3906	218	20	including	include	VERB
fsr-3906	218	21	current	current	ADJ
fsr-3906	218	22	age	age	NOUN
fsr-3906	218	23	and	and	CCONJ
fsr-3906	218	24	anticipated	anticipate	VERB
fsr-3906	218	25	life	life	NOUN
fsr-3906	218	26	expectfig	expectfig	NOUN
fsr-3906	218	27	.	.	PUNCT
fsr-3906	219	1	2	2	X
fsr-3906	219	2	.	.	NUM
fsr-3906	219	3	predicted	predict	VERB
fsr-3906	219	4	planned	plan	VERB
fsr-3906	219	5	retirement	retirement	NOUN
fsr-3906	219	6	age	age	NOUN
fsr-3906	219	7	by	by	ADP
fsr-3906	219	8	current	current	ADJ
fsr-3906	219	9	age	age	NOUN
fsr-3906	219	10	.	.	PUNCT
fsr-3906	220	1	12	12	NUM
fsr-3906	220	2	c.p	c.p	PROPN
fsr-3906	220	3	.	.	PROPN
fsr-3906	220	4	montalto	montalto	PROPN
fsr-3906	220	5	et	et	PROPN
fsr-3906	220	6	al	al	PROPN
fsr-3906	220	7	.	.	PUNCT
fsr-3906	220	8	/	/	SYM
fsr-3906	220	9	financial	financial	ADJ
fsr-3906	220	10	services	service	NOUN
fsr-3906	220	11	review	review	VERB
fsr-3906	220	12	9	9	NUM
fsr-3906	220	13	(	(	PUNCT
fsr-3906	220	14	2000	2000	NUM
fsr-3906	220	15	)	)	PUNCT
fsr-3906	221	1	1–15	1–15	PROPN
fsr-3906	221	2	ancy	ancy	NOUN
fsr-3906	221	3	,	,	PUNCT
fsr-3906	221	4	strongly	strongly	ADV
fsr-3906	221	5	affect	affect	VERB
fsr-3906	221	6	planned	plan	VERB
fsr-3906	221	7	retirement	retirement	NOUN
fsr-3906	221	8	age	age	NOUN
fsr-3906	221	9	.	.	PUNCT
fsr-3906	222	1	the	the	DET
fsr-3906	222	2	results	result	NOUN
fsr-3906	222	3	also	also	ADV
fsr-3906	222	4	suggest	suggest	VERB
fsr-3906	222	5	that	that	SCONJ
fsr-3906	222	6	adjustments	adjustment	NOUN
fsr-3906	222	7	to	to	ADP
fsr-3906	222	8	planned	plan	VERB
fsr-3906	222	9	retirement	retirement	NOUN
fsr-3906	222	10	age	age	NOUN
fsr-3906	222	11	take	take	VERB
fsr-3906	222	12	place	place	NOUN
fsr-3906	222	13	over	over	ADP
fsr-3906	222	14	time	time	NOUN
fsr-3906	222	15	.	.	PUNCT
fsr-3906	223	1	these	these	DET
fsr-3906	223	2	adjustments	adjustment	NOUN
fsr-3906	223	3	may	may	AUX
fsr-3906	223	4	be	be	AUX
fsr-3906	223	5	in	in	ADP
fsr-3906	223	6	response	response	NOUN
fsr-3906	223	7	to	to	ADP
fsr-3906	223	8	the	the	DET
fsr-3906	223	9	realization	realization	NOUN
fsr-3906	223	10	that	that	SCONJ
fsr-3906	223	11	accumulated	accumulate	VERB
fsr-3906	223	12	resources	resource	NOUN
fsr-3906	223	13	are	be	AUX
fsr-3906	223	14	not	not	PART
fsr-3906	223	15	adequate	adequate	ADJ
fsr-3906	223	16	to	to	PART
fsr-3906	223	17	meet	meet	VERB
fsr-3906	223	18	needs	need	NOUN
fsr-3906	223	19	in	in	ADP
fsr-3906	223	20	retirement	retirement	NOUN
fsr-3906	223	21	,	,	PUNCT
fsr-3906	223	22	thus	thus	ADV
fsr-3906	223	23	causing	cause	VERB
fsr-3906	223	24	workers	worker	NOUN
fsr-3906	223	25	to	to	PART
fsr-3906	223	26	postpone	postpone	VERB
fsr-3906	223	27	retirement	retirement	NOUN
fsr-3906	223	28	.	.	PUNCT
fsr-3906	224	1	an	an	DET
fsr-3906	224	2	alternate	alternate	ADJ
fsr-3906	224	3	explanation	explanation	NOUN
fsr-3906	224	4	is	be	AUX
fsr-3906	224	5	that	that	SCONJ
fsr-3906	224	6	a	a	DET
fsr-3906	224	7	generational	generational	ADJ
fsr-3906	224	8	change	change	NOUN
fsr-3906	224	9	may	may	AUX
fsr-3906	224	10	result	result	VERB
fsr-3906	224	11	in	in	ADP
fsr-3906	224	12	lower	low	ADJ
fsr-3906	224	13	planned	plan	VERB
fsr-3906	224	14	retirement	retirement	NOUN
fsr-3906	224	15	ages	age	NOUN
fsr-3906	224	16	for	for	ADP
fsr-3906	224	17	younger	young	ADJ
fsr-3906	224	18	cohorts	cohort	NOUN
fsr-3906	224	19	of	of	ADP
fsr-3906	224	20	workers	worker	NOUN
fsr-3906	224	21	since	since	SCONJ
fsr-3906	224	22	norms	norm	NOUN
fsr-3906	224	23	regarding	regard	VERB
fsr-3906	224	24	retirement	retirement	NOUN
fsr-3906	224	25	age	age	NOUN
fsr-3906	224	26	and	and	CCONJ
fsr-3906	224	27	financial	financial	ADJ
fsr-3906	224	28	instruments	instrument	NOUN
fsr-3906	224	29	used	use	VERB
fsr-3906	224	30	to	to	PART
fsr-3906	224	31	save	save	VERB
fsr-3906	224	32	for	for	ADP
fsr-3906	224	33	retirement	retirement	NOUN
fsr-3906	224	34	have	have	AUX
fsr-3906	224	35	changed	change	VERB
fsr-3906	224	36	over	over	ADP
fsr-3906	224	37	time	time	NOUN
fsr-3906	224	38	.	.	PUNCT
fsr-3906	225	1	these	these	DET
fsr-3906	225	2	differences	difference	NOUN
fsr-3906	225	3	may	may	AUX
fsr-3906	225	4	produce	produce	VERB
fsr-3906	225	5	systematic	systematic	ADJ
fsr-3906	225	6	differences	difference	NOUN
fsr-3906	225	7	between	between	ADP
fsr-3906	225	8	younger	young	ADJ
fsr-3906	225	9	cohorts	cohort	NOUN
fsr-3906	225	10	and	and	CCONJ
fsr-3906	225	11	older	old	ADJ
fsr-3906	225	12	cohorts	cohort	NOUN
fsr-3906	225	13	of	of	ADP
fsr-3906	225	14	workers	worker	NOUN
fsr-3906	225	15	in	in	ADP
fsr-3906	225	16	the	the	DET
fsr-3906	225	17	age	age	NOUN
fsr-3906	225	18	at	at	ADP
fsr-3906	225	19	which	which	PRON
fsr-3906	225	20	they	they	PRON
fsr-3906	225	21	plan	plan	VERB
fsr-3906	225	22	to	to	PART
fsr-3906	225	23	retire	retire	VERB
fsr-3906	225	24	.	.	PUNCT
fsr-3906	226	1	either	either	DET
fsr-3906	226	2	explanation	explanation	NOUN
fsr-3906	226	3	has	have	VERB
fsr-3906	226	4	implications	implication	NOUN
fsr-3906	226	5	for	for	ADP
fsr-3906	226	6	proposed	propose	VERB
fsr-3906	226	7	changes	change	NOUN
fsr-3906	226	8	in	in	ADP
fsr-3906	226	9	government	government	NOUN
fsr-3906	226	10	policy	policy	NOUN
fsr-3906	226	11	.	.	PUNCT
fsr-3906	227	1	5.2	5.2	NUM
fsr-3906	227	2	.	.	PUNCT
fsr-3906	227	3	implications	implication	NOUN
fsr-3906	227	4	for	for	ADP
fsr-3906	227	5	financial	financial	ADJ
fsr-3906	227	6	planning	planning	NOUN
fsr-3906	227	7	as	as	ADP
fsr-3906	227	8	fig	fig	NOUN
fsr-3906	227	9	.	.	PUNCT
fsr-3906	228	1	1	1	NUM
fsr-3906	228	2	demonstrates	demonstrate	NOUN
fsr-3906	228	3	,	,	PUNCT
fsr-3906	228	4	there	there	PRON
fsr-3906	228	5	is	be	VERB
fsr-3906	228	6	a	a	DET
fsr-3906	228	7	wide	wide	ADJ
fsr-3906	228	8	range	range	NOUN
fsr-3906	228	9	of	of	ADP
fsr-3906	228	10	planned	plan	VERB
fsr-3906	228	11	retirement	retirement	NOUN
fsr-3906	228	12	ages	age	NOUN
fsr-3906	228	13	.	.	PUNCT
fsr-3906	229	1	the	the	DET
fsr-3906	229	2	effect	effect	NOUN
fsr-3906	229	3	of	of	ADP
fsr-3906	229	4	current	current	ADJ
fsr-3906	229	5	age	age	NOUN
fsr-3906	229	6	on	on	ADP
fsr-3906	229	7	planned	plan	VERB
fsr-3906	229	8	retirement	retirement	NOUN
fsr-3906	229	9	age	age	NOUN
fsr-3906	229	10	(	(	PUNCT
fsr-3906	229	11	fig	fig	NOUN
fsr-3906	229	12	.	.	NOUN
fsr-3906	229	13	2	2	X
fsr-3906	229	14	)	)	PUNCT
fsr-3906	229	15	suggests	suggest	VERB
fsr-3906	229	16	that	that	SCONJ
fsr-3906	229	17	some	some	DET
fsr-3906	229	18	workers	worker	NOUN
fsr-3906	229	19	’	’	PART
fsr-3906	229	20	plans	plan	NOUN
fsr-3906	229	21	are	be	AUX
fsr-3906	229	22	not	not	PART
fsr-3906	229	23	achieved	achieve	VERB
fsr-3906	229	24	,	,	PUNCT
fsr-3906	229	25	or	or	CCONJ
fsr-3906	229	26	that	that	SCONJ
fsr-3906	229	27	there	there	PRON
fsr-3906	229	28	is	be	VERB
fsr-3906	229	29	a	a	DET
fsr-3906	229	30	generational	generational	ADJ
fsr-3906	229	31	change	change	NOUN
fsr-3906	229	32	in	in	ADP
fsr-3906	229	33	planned	plan	VERB
fsr-3906	229	34	retirement	retirement	NOUN
fsr-3906	229	35	ages	age	NOUN
fsr-3906	229	36	.	.	PUNCT
fsr-3906	230	1	financial	financial	ADJ
fsr-3906	230	2	planners	planner	NOUN
fsr-3906	230	3	should	should	AUX
fsr-3906	230	4	try	try	VERB
fsr-3906	230	5	to	to	PART
fsr-3906	230	6	assess	assess	VERB
fsr-3906	230	7	the	the	DET
fsr-3906	230	8	likelihood	likelihood	NOUN
fsr-3906	230	9	that	that	SCONJ
fsr-3906	230	10	a	a	DET
fsr-3906	230	11	client	client	NOUN
fsr-3906	230	12	’s	’s	PART
fsr-3906	230	13	planned	plan	VERB
fsr-3906	230	14	retirement	retirement	NOUN
fsr-3906	230	15	age	age	NOUN
fsr-3906	230	16	can	can	AUX
fsr-3906	230	17	be	be	AUX
fsr-3906	230	18	achieved	achieve	VERB
fsr-3906	230	19	,	,	PUNCT
fsr-3906	230	20	both	both	CCONJ
fsr-3906	230	21	in	in	ADP
fsr-3906	230	22	terms	term	NOUN
fsr-3906	230	23	of	of	ADP
fsr-3906	230	24	the	the	DET
fsr-3906	230	25	risks	risk	NOUN
fsr-3906	230	26	of	of	ADP
fsr-3906	230	27	loss	loss	NOUN
fsr-3906	230	28	of	of	ADP
fsr-3906	230	29	a	a	DET
fsr-3906	230	30	high	high	ADJ
fsr-3906	230	31	income	income	NOUN
fsr-3906	230	32	job	job	NOUN
fsr-3906	230	33	before	before	ADP
fsr-3906	230	34	the	the	DET
fsr-3906	230	35	planned	plan	VERB
fsr-3906	230	36	retirement	retirement	NOUN
fsr-3906	230	37	age	age	NOUN
fsr-3906	230	38	and	and	CCONJ
fsr-3906	230	39	the	the	DET
fsr-3906	230	40	chance	chance	NOUN
fsr-3906	230	41	that	that	SCONJ
fsr-3906	230	42	the	the	DET
fsr-3906	230	43	client	client	NOUN
fsr-3906	230	44	will	will	AUX
fsr-3906	230	45	have	have	AUX
fsr-3906	230	46	to	to	PART
fsr-3906	230	47	work	work	VERB
fsr-3906	230	48	longer	long	ADV
fsr-3906	230	49	than	than	SCONJ
fsr-3906	230	50	planned	plan	VERB
fsr-3906	230	51	.	.	PUNCT
fsr-3906	231	1	if	if	SCONJ
fsr-3906	231	2	there	there	PRON
fsr-3906	231	3	is	be	VERB
fsr-3906	231	4	a	a	DET
fsr-3906	231	5	generational	generational	ADJ
fsr-3906	231	6	reduction	reduction	NOUN
fsr-3906	231	7	in	in	ADP
fsr-3906	231	8	planned	plan	VERB
fsr-3906	231	9	retirement	retirement	NOUN
fsr-3906	231	10	ages	age	NOUN
fsr-3906	231	11	,	,	PUNCT
fsr-3906	231	12	financial	financial	ADJ
fsr-3906	231	13	planning	planning	NOUN
fsr-3906	231	14	for	for	ADP
fsr-3906	231	15	retirement	retirement	NOUN
fsr-3906	231	16	will	will	AUX
fsr-3906	231	17	become	become	VERB
fsr-3906	231	18	more	more	ADV
fsr-3906	231	19	challenging	challenging	ADJ
fsr-3906	231	20	and	and	CCONJ
fsr-3906	231	21	perhaps	perhaps	ADV
fsr-3906	231	22	further	far	ADV
fsr-3906	231	23	increase	increase	VERB
fsr-3906	231	24	the	the	DET
fsr-3906	231	25	need	need	NOUN
fsr-3906	231	26	for	for	SCONJ
fsr-3906	231	27	financial	financial	ADJ
fsr-3906	231	28	professionals	professional	NOUN
fsr-3906	231	29	to	to	PART
fsr-3906	231	30	assist	assist	VERB
fsr-3906	231	31	workers	worker	NOUN
fsr-3906	231	32	.	.	PUNCT
fsr-3906	232	1	5.3	5.3	NUM
fsr-3906	232	2	.	.	PUNCT
fsr-3906	232	3	implications	implication	NOUN
fsr-3906	232	4	for	for	ADP
fsr-3906	232	5	public	public	ADJ
fsr-3906	232	6	policy	policy	NOUN
fsr-3906	232	7	and	and	CCONJ
fsr-3906	232	8	future	future	ADJ
fsr-3906	232	9	research	research	NOUN
fsr-3906	232	10	the	the	DET
fsr-3906	232	11	ability	ability	NOUN
fsr-3906	232	12	of	of	ADP
fsr-3906	232	13	workers	worker	NOUN
fsr-3906	232	14	to	to	PART
fsr-3906	232	15	adapt	adapt	VERB
fsr-3906	232	16	to	to	ADP
fsr-3906	232	17	further	further	ADJ
fsr-3906	232	18	increases	increase	NOUN
fsr-3906	232	19	in	in	ADP
fsr-3906	232	20	social	social	ADJ
fsr-3906	232	21	security	security	NOUN
fsr-3906	232	22	retirement	retirement	NOUN
fsr-3906	232	23	age	age	NOUN
fsr-3906	232	24	depends	depend	VERB
fsr-3906	232	25	on	on	ADP
fsr-3906	232	26	their	their	PRON
fsr-3906	232	27	capacity	capacity	NOUN
fsr-3906	232	28	to	to	PART
fsr-3906	232	29	extend	extend	VERB
fsr-3906	232	30	their	their	PRON
fsr-3906	232	31	working	work	VERB
fsr-3906	232	32	lives	life	NOUN
fsr-3906	232	33	and	and	CCONJ
fsr-3906	232	34	to	to	PART
fsr-3906	232	35	accumulate	accumulate	VERB
fsr-3906	232	36	enough	enough	ADJ
fsr-3906	232	37	savings	saving	NOUN
fsr-3906	232	38	to	to	PART
fsr-3906	232	39	offset	offset	VERB
fsr-3906	232	40	a	a	DET
fsr-3906	232	41	delay	delay	NOUN
fsr-3906	232	42	or	or	CCONJ
fsr-3906	232	43	reduction	reduction	NOUN
fsr-3906	232	44	in	in	ADP
fsr-3906	232	45	social	social	ADJ
fsr-3906	232	46	security	security	NOUN
fsr-3906	232	47	income	income	NOUN
fsr-3906	232	48	.	.	PUNCT
fsr-3906	233	1	alternatively	alternatively	ADV
fsr-3906	233	2	,	,	PUNCT
fsr-3906	233	3	workers	worker	NOUN
fsr-3906	233	4	face	face	VERB
fsr-3906	233	5	retirement	retirement	NOUN
fsr-3906	233	6	with	with	ADP
fsr-3906	233	7	reduced	reduced	ADJ
fsr-3906	233	8	income	income	NOUN
fsr-3906	233	9	.	.	PUNCT
fsr-3906	234	1	adequacy	adequacy	NOUN
fsr-3906	234	2	of	of	ADP
fsr-3906	234	3	retirement	retirement	NOUN
fsr-3906	234	4	resources	resource	NOUN
fsr-3906	234	5	is	be	AUX
fsr-3906	234	6	influenced	influence	VERB
fsr-3906	234	7	by	by	ADP
fsr-3906	234	8	family	family	NOUN
fsr-3906	234	9	income	income	NOUN
fsr-3906	234	10	and	and	CCONJ
fsr-3906	234	11	wealth	wealth	NOUN
fsr-3906	234	12	.	.	PUNCT
fsr-3906	235	1	policies	policy	NOUN
fsr-3906	235	2	to	to	PART
fsr-3906	235	3	increase	increase	VERB
fsr-3906	235	4	pension	pension	NOUN
fsr-3906	235	5	coverage	coverage	NOUN
fsr-3906	235	6	as	as	ADV
fsr-3906	235	7	well	well	ADV
fsr-3906	235	8	as	as	ADP
fsr-3906	235	9	private	private	ADJ
fsr-3906	235	10	savings	saving	NOUN
fsr-3906	235	11	would	would	AUX
fsr-3906	235	12	help	help	VERB
fsr-3906	235	13	counter	counter	VERB
fsr-3906	235	14	the	the	DET
fsr-3906	235	15	negative	negative	ADJ
fsr-3906	235	16	effects	effect	NOUN
fsr-3906	235	17	of	of	ADP
fsr-3906	235	18	a	a	DET
fsr-3906	235	19	decrease	decrease	NOUN
fsr-3906	235	20	in	in	ADP
fsr-3906	235	21	social	social	ADJ
fsr-3906	235	22	security	security	NOUN
fsr-3906	235	23	income	income	NOUN
fsr-3906	235	24	.	.	PUNCT
fsr-3906	236	1	the	the	DET
fsr-3906	236	2	ability	ability	NOUN
fsr-3906	236	3	to	to	PART
fsr-3906	236	4	extend	extend	VERB
fsr-3906	236	5	the	the	DET
fsr-3906	236	6	working	work	VERB
fsr-3906	236	7	life	life	NOUN
fsr-3906	236	8	is	be	AUX
fsr-3906	236	9	influenced	influence	VERB
fsr-3906	236	10	by	by	ADP
fsr-3906	236	11	health	health	NOUN
fsr-3906	236	12	status	status	NOUN
fsr-3906	236	13	as	as	ADV
fsr-3906	236	14	well	well	ADV
fsr-3906	236	15	as	as	ADP
fsr-3906	236	16	characteristics	characteristic	NOUN
fsr-3906	236	17	of	of	ADP
fsr-3906	236	18	the	the	DET
fsr-3906	236	19	job	job	NOUN
fsr-3906	236	20	.	.	PUNCT
fsr-3906	237	1	some	some	DET
fsr-3906	237	2	workers	worker	NOUN
fsr-3906	237	3	will	will	AUX
fsr-3906	237	4	have	have	VERB
fsr-3906	237	5	difficulty	difficulty	NOUN
fsr-3906	237	6	extending	extend	VERB
fsr-3906	237	7	their	their	PRON
fsr-3906	237	8	working	work	VERB
fsr-3906	237	9	lives	life	NOUN
fsr-3906	237	10	.	.	PUNCT
fsr-3906	238	1	important	important	ADJ
fsr-3906	238	2	questions	question	NOUN
fsr-3906	238	3	to	to	PART
fsr-3906	238	4	address	address	VERB
fsr-3906	238	5	with	with	ADP
fsr-3906	238	6	additional	additional	ADJ
fsr-3906	238	7	research	research	NOUN
fsr-3906	238	8	include	include	VERB
fsr-3906	238	9	:	:	PUNCT
fsr-3906	238	10	will	will	AUX
fsr-3906	238	11	employers	employer	NOUN
fsr-3906	238	12	be	be	AUX
fsr-3906	238	13	willing	willing	ADJ
fsr-3906	238	14	to	to	PART
fsr-3906	238	15	retain	retain	VERB
fsr-3906	238	16	and/or	and/or	CCONJ
fsr-3906	238	17	hire	hire	VERB
fsr-3906	238	18	older	old	ADJ
fsr-3906	238	19	workers	worker	NOUN
fsr-3906	238	20	?	?	PUNCT
fsr-3906	239	1	what	what	PRON
fsr-3906	239	2	will	will	AUX
fsr-3906	239	3	happen	happen	VERB
fsr-3906	239	4	to	to	ADP
fsr-3906	239	5	older	old	ADJ
fsr-3906	239	6	men	man	NOUN
fsr-3906	239	7	and	and	CCONJ
fsr-3906	239	8	women	woman	NOUN
fsr-3906	239	9	who	who	PRON
fsr-3906	239	10	are	be	AUX
fsr-3906	239	11	not	not	PART
fsr-3906	239	12	healthy	healthy	ADJ
fsr-3906	239	13	enough	enough	ADV
fsr-3906	239	14	to	to	PART
fsr-3906	239	15	work	work	VERB
fsr-3906	239	16	full	full	ADJ
fsr-3906	239	17	-	-	PUNCT
fsr-3906	239	18	time	time	NOUN
fsr-3906	239	19	or	or	CCONJ
fsr-3906	239	20	who	who	PRON
fsr-3906	239	21	are	be	AUX
fsr-3906	239	22	unable	unable	ADJ
fsr-3906	239	23	to	to	PART
fsr-3906	239	24	find	find	VERB
fsr-3906	239	25	jobs	job	NOUN
fsr-3906	239	26	?	?	PUNCT
fsr-3906	240	1	what	what	PRON
fsr-3906	240	2	will	will	AUX
fsr-3906	240	3	happen	happen	VERB
fsr-3906	240	4	to	to	ADP
fsr-3906	240	5	older	old	ADJ
fsr-3906	240	6	workers	worker	NOUN
fsr-3906	240	7	in	in	ADP
fsr-3906	240	8	physically	physically	ADV
fsr-3906	240	9	demanding	demanding	ADJ
fsr-3906	240	10	jobs	job	NOUN
fsr-3906	240	11	?	?	PUNCT
fsr-3906	241	1	the	the	DET
fsr-3906	241	2	relationship	relationship	NOUN
fsr-3906	241	3	between	between	ADP
fsr-3906	241	4	age	age	NOUN
fsr-3906	241	5	and	and	CCONJ
fsr-3906	241	6	planned	plan	VERB
fsr-3906	241	7	retirement	retirement	NOUN
fsr-3906	241	8	age	age	NOUN
fsr-3906	241	9	should	should	AUX
fsr-3906	241	10	be	be	AUX
fsr-3906	241	11	further	far	ADV
fsr-3906	241	12	explored	explore	VERB
fsr-3906	241	13	with	with	ADP
fsr-3906	241	14	different	different	ADJ
fsr-3906	241	15	data	data	NOUN
fsr-3906	241	16	sets	set	NOUN
fsr-3906	241	17	,	,	PUNCT
fsr-3906	241	18	including	include	VERB
fsr-3906	241	19	the	the	DET
fsr-3906	241	20	1998	1998	NUM
fsr-3906	241	21	survey	survey	NOUN
fsr-3906	241	22	of	of	ADP
fsr-3906	241	23	consumer	consumer	NOUN
fsr-3906	241	24	finances	finance	NOUN
fsr-3906	241	25	,	,	PUNCT
fsr-3906	241	26	in	in	ADP
fsr-3906	241	27	order	order	NOUN
fsr-3906	241	28	to	to	PART
fsr-3906	241	29	test	test	VERB
fsr-3906	241	30	the	the	DET
fsr-3906	241	31	generational	generational	ADJ
fsr-3906	241	32	explanation	explanation	NOUN
fsr-3906	241	33	of	of	ADP
fsr-3906	241	34	the	the	DET
fsr-3906	241	35	positive	positive	ADJ
fsr-3906	241	36	relationship	relationship	NOUN
fsr-3906	241	37	between	between	ADP
fsr-3906	241	38	age	age	NOUN
fsr-3906	241	39	and	and	CCONJ
fsr-3906	241	40	planned	plan	VERB
fsr-3906	241	41	retirement	retirement	NOUN
fsr-3906	241	42	age	age	NOUN
fsr-3906	241	43	.	.	PUNCT
fsr-3906	242	1	there	there	PRON
fsr-3906	242	2	are	be	VERB
fsr-3906	242	3	implications	implication	NOUN
fsr-3906	242	4	for	for	ADP
fsr-3906	242	5	proposed	propose	VERB
fsr-3906	242	6	changes	change	NOUN
fsr-3906	242	7	in	in	ADP
fsr-3906	242	8	government	government	NOUN
fsr-3906	242	9	policy	policy	NOUN
fsr-3906	242	10	whether	whether	SCONJ
fsr-3906	242	11	workers	worker	NOUN
fsr-3906	242	12	adjust	adjust	VERB
fsr-3906	242	13	their	their	PRON
fsr-3906	242	14	planned	plan	VERB
fsr-3906	242	15	retirement	retirement	NOUN
fsr-3906	242	16	age	age	NOUN
fsr-3906	242	17	over	over	ADP
fsr-3906	242	18	time	time	NOUN
fsr-3906	242	19	,	,	PUNCT
fsr-3906	242	20	or	or	CCONJ
fsr-3906	242	21	more	more	ADV
fsr-3906	242	22	recent	recent	ADJ
fsr-3906	242	23	cohorts	cohort	NOUN
fsr-3906	242	24	of	of	ADP
fsr-3906	242	25	workers	worker	NOUN
fsr-3906	242	26	plan	plan	VERB
fsr-3906	242	27	to	to	PART
fsr-3906	242	28	retire	retire	VERB
fsr-3906	242	29	at	at	ADP
fsr-3906	242	30	younger	young	ADJ
fsr-3906	242	31	ages	age	NOUN
fsr-3906	242	32	than	than	ADP
fsr-3906	242	33	earlier	early	ADJ
fsr-3906	242	34	cohorts	cohort	NOUN
fsr-3906	242	35	.	.	PUNCT
fsr-3906	243	1	this	this	DET
fsr-3906	243	2	study	study	NOUN
fsr-3906	243	3	focuses	focus	VERB
fsr-3906	243	4	on	on	ADP
fsr-3906	243	5	financial	financial	ADJ
fsr-3906	243	6	,	,	PUNCT
fsr-3906	243	7	employment	employment	NOUN
fsr-3906	243	8	and	and	CCONJ
fsr-3906	243	9	demographic	demographic	ADJ
fsr-3906	243	10	characteristics	characteristic	NOUN
fsr-3906	243	11	as	as	ADP
fsr-3906	243	12	determinants	determinant	NOUN
fsr-3906	243	13	of	of	ADP
fsr-3906	243	14	planned	plan	VERB
fsr-3906	243	15	retirement	retirement	NOUN
fsr-3906	243	16	age	age	NOUN
fsr-3906	243	17	.	.	PUNCT
fsr-3906	244	1	however	however	ADV
fsr-3906	244	2	,	,	PUNCT
fsr-3906	244	3	attitudinal	attitudinal	ADJ
fsr-3906	244	4	and	and	CCONJ
fsr-3906	244	5	psychological	psychological	ADJ
fsr-3906	244	6	factors	factor	NOUN
fsr-3906	244	7	might	might	AUX
fsr-3906	244	8	also	also	ADV
fsr-3906	244	9	13c.p	13c.p	NUM
fsr-3906	244	10	.	.	PUNCT
fsr-3906	245	1	montalto	montalto	PROPN
fsr-3906	245	2	et	et	PROPN
fsr-3906	245	3	al	al	PROPN
fsr-3906	245	4	.	.	PUNCT
fsr-3906	245	5	/	/	SYM
fsr-3906	245	6	financial	financial	ADJ
fsr-3906	245	7	services	service	NOUN
fsr-3906	245	8	review	review	VERB
fsr-3906	245	9	9	9	NUM
fsr-3906	245	10	(	(	PUNCT
fsr-3906	245	11	2000	2000	NUM
fsr-3906	245	12	)	)	PUNCT
fsr-3906	245	13	1–15	1–15	PROPN
fsr-3906	245	14	affect	affect	VERB
fsr-3906	245	15	planned	plan	VERB
fsr-3906	245	16	retirement	retirement	NOUN
fsr-3906	245	17	age	age	NOUN
fsr-3906	245	18	.	.	PUNCT
fsr-3906	246	1	in	in	ADP
fsr-3906	246	2	reality	reality	NOUN
fsr-3906	246	3	,	,	PUNCT
fsr-3906	246	4	individual	individual	ADJ
fsr-3906	246	5	responses	response	NOUN
fsr-3906	246	6	to	to	PART
fsr-3906	246	7	work	work	NOUN
fsr-3906	246	8	and	and	CCONJ
fsr-3906	246	9	retirement	retirement	NOUN
fsr-3906	246	10	incentives	incentive	NOUN
fsr-3906	246	11	often	often	ADV
fsr-3906	246	12	vary	vary	VERB
fsr-3906	246	13	substantially	substantially	ADV
fsr-3906	246	14	even	even	ADV
fsr-3906	246	15	among	among	ADP
fsr-3906	246	16	persons	person	NOUN
fsr-3906	246	17	who	who	PRON
fsr-3906	246	18	appear	appear	VERB
fsr-3906	246	19	to	to	PART
fsr-3906	246	20	have	have	VERB
fsr-3906	246	21	much	much	ADJ
fsr-3906	246	22	in	in	ADP
fsr-3906	246	23	common	common	ADJ
fsr-3906	246	24	in	in	ADP
fsr-3906	246	25	terms	term	NOUN
fsr-3906	246	26	of	of	ADP
fsr-3906	246	27	background	background	NOUN
fsr-3906	246	28	characteristics	characteristic	NOUN
fsr-3906	246	29	and	and	CCONJ
fsr-3906	246	30	financial	financial	ADJ
fsr-3906	246	31	circumstances	circumstance	NOUN
fsr-3906	246	32	.	.	PUNCT
fsr-3906	247	1	thus	thus	ADV
fsr-3906	247	2	,	,	PUNCT
fsr-3906	247	3	unobserved	unobserved	ADJ
fsr-3906	247	4	,	,	PUNCT
fsr-3906	247	5	unmeasured	unmeasured	ADJ
fsr-3906	247	6	individual	individual	ADJ
fsr-3906	247	7	differences	difference	NOUN
fsr-3906	247	8	might	might	AUX
fsr-3906	247	9	play	play	VERB
fsr-3906	247	10	an	an	DET
fsr-3906	247	11	important	important	ADJ
fsr-3906	247	12	role	role	NOUN
fsr-3906	247	13	in	in	ADP
fsr-3906	247	14	retirement	retirement	NOUN
fsr-3906	247	15	decisions	decision	NOUN
fsr-3906	247	16	.	.	PUNCT
fsr-3906	248	1	a	a	DET
fsr-3906	248	2	comprehensive	comprehensive	ADJ
fsr-3906	248	3	theory	theory	NOUN
fsr-3906	248	4	of	of	ADP
fsr-3906	248	5	work	work	NOUN
fsr-3906	248	6	and	and	CCONJ
fsr-3906	248	7	retirement	retirement	NOUN
fsr-3906	248	8	should	should	AUX
fsr-3906	248	9	be	be	AUX
fsr-3906	248	10	able	able	ADJ
fsr-3906	248	11	to	to	PART
fsr-3906	248	12	explain	explain	VERB
fsr-3906	248	13	the	the	DET
fsr-3906	248	14	substantial	substantial	ADJ
fsr-3906	248	15	variations	variation	NOUN
fsr-3906	248	16	in	in	ADP
fsr-3906	248	17	retirement	retirement	NOUN
fsr-3906	248	18	decisions	decision	NOUN
fsr-3906	248	19	that	that	PRON
fsr-3906	248	20	are	be	AUX
fsr-3906	248	21	observed	observe	VERB
fsr-3906	248	22	among	among	ADP
fsr-3906	248	23	apparently	apparently	ADV
fsr-3906	248	24	similar	similar	ADJ
fsr-3906	248	25	individuals	individual	NOUN
fsr-3906	248	26	(	(	PUNCT
fsr-3906	248	27	leonesio	leonesio	PROPN
fsr-3906	248	28	,	,	PUNCT
fsr-3906	248	29	1996	1996	NUM
fsr-3906	248	30	)	)	PUNCT
fsr-3906	248	31	.	.	PUNCT
fsr-3906	249	1	research	research	NOUN
fsr-3906	249	2	that	that	PRON
fsr-3906	249	3	improves	improve	VERB
fsr-3906	249	4	our	our	PRON
fsr-3906	249	5	understanding	understanding	NOUN
fsr-3906	249	6	of	of	ADP
fsr-3906	249	7	factors	factor	NOUN
fsr-3906	249	8	related	relate	VERB
fsr-3906	249	9	to	to	ADP
fsr-3906	249	10	planned	plan	VERB
fsr-3906	249	11	retirement	retirement	NOUN
fsr-3906	249	12	age	age	NOUN
fsr-3906	249	13	will	will	AUX
fsr-3906	249	14	improve	improve	VERB
fsr-3906	249	15	our	our	PRON
fsr-3906	249	16	ability	ability	NOUN
fsr-3906	249	17	to	to	PART
fsr-3906	249	18	analyze	analyze	VERB
fsr-3906	249	19	policy	policy	NOUN
fsr-3906	249	20	issues	issue	NOUN
fsr-3906	249	21	,	,	PUNCT
fsr-3906	249	22	including	include	VERB
fsr-3906	249	23	proposed	propose	VERB
fsr-3906	249	24	changes	change	NOUN
fsr-3906	249	25	to	to	ADP
fsr-3906	249	26	the	the	DET
fsr-3906	249	27	social	social	ADJ
fsr-3906	249	28	security	security	NOUN
fsr-3906	249	29	program	program	NOUN
fsr-3906	249	30	,	,	PUNCT
fsr-3906	249	31	as	as	ADV
fsr-3906	249	32	well	well	ADV
fsr-3906	249	33	as	as	ADP
fsr-3906	249	34	provide	provide	VERB
fsr-3906	249	35	better	well	ADJ
fsr-3906	249	36	insight	insight	NOUN
fsr-3906	249	37	into	into	ADP
fsr-3906	249	38	how	how	SCONJ
fsr-3906	249	39	to	to	PART
fsr-3906	249	40	influence	influence	VERB
fsr-3906	249	41	individual	individual	ADJ
fsr-3906	249	42	behavior	behavior	NOUN
fsr-3906	249	43	related	relate	VERB
fsr-3906	249	44	to	to	ADP
fsr-3906	249	45	planning	plan	VERB
fsr-3906	249	46	and	and	CCONJ
fsr-3906	249	47	saving	save	VERB
fsr-3906	249	48	for	for	ADP
fsr-3906	249	49	retirement	retirement	NOUN
fsr-3906	249	50	.	.	PUNCT
fsr-3906	250	1	references	reference	NOUN
fsr-3906	250	2	apfel	apfel	PROPN
fsr-3906	250	3	,	,	PUNCT
fsr-3906	250	4	k.	k.	PROPN
fsr-3906	250	5	s.	s.	PROPN
fsr-3906	250	6	(	(	PUNCT
fsr-3906	250	7	1998	1998	NUM
fsr-3906	250	8	,	,	PUNCT
fsr-3906	250	9	february	february	PROPN
fsr-3906	250	10	26	26	NUM
fsr-3906	250	11	)	)	PUNCT
fsr-3906	250	12	.	.	PUNCT
fsr-3906	251	1	testimony	testimony	NOUN
fsr-3906	251	2	before	before	ADP
fsr-3906	251	3	house	house	NOUN
fsr-3906	251	4	ways	way	NOUN
fsr-3906	251	5	and	and	CCONJ
fsr-3906	251	6	means	mean	VERB
fsr-3906	251	7	subcommittee	subcommittee	NOUN
fsr-3906	251	8	on	on	ADP
fsr-3906	251	9	social	social	ADJ
fsr-3906	251	10	security	security	NOUN
fsr-3906	251	11	by	by	ADP
fsr-3906	251	12	social	social	ADJ
fsr-3906	251	13	security	security	NOUN
fsr-3906	251	14	commissioner	commissioner	NOUN
fsr-3906	251	15	kenneth	kenneth	PROPN
fsr-3906	251	16	s.	s.	PROPN
fsr-3906	251	17	apfel	apfel	PROPN
fsr-3906	251	18	.	.	PROPN
fsr-3906	251	19	bernheim	bernheim	PROPN
fsr-3906	251	20	,	,	PUNCT
fsr-3906	251	21	b.	b.	PROPN
fsr-3906	251	22	d.	d.	PROPN
fsr-3906	251	23	(	(	PUNCT
fsr-3906	251	24	1996).the	1996).the	PROPN
fsr-3906	251	25	merrill	merrill	PROPN
fsr-3906	251	26	lynch	lynch	PROPN
fsr-3906	251	27	baby	baby	PROPN
fsr-3906	251	28	boom	boom	PROPN
fsr-3906	251	29	retirement	retirement	PROPN
fsr-3906	251	30	index	index	PROPN
fsr-3906	251	31	:	:	PUNCT
fsr-3906	251	32	update	update	NOUN
fsr-3906	251	33	‘	'	PUNCT
fsr-3906	251	34	96.stanford	96.stanford	NUM
fsr-3906	251	35	university	university	NOUN
fsr-3906	251	36	,	,	PUNCT
fsr-3906	251	37	merrill	merrill	PROPN
fsr-3906	251	38	lynch	lynch	PROPN
fsr-3906	251	39	&	&	CCONJ
fsr-3906	251	40	co.	co.	PROPN
fsr-3906	251	41	,	,	PUNCT
fsr-3906	251	42	inc	inc	PROPN
fsr-3906	251	43	.	.	PROPN
fsr-3906	251	44	boskin	boskin	PROPN
fsr-3906	251	45	,	,	PUNCT
fsr-3906	251	46	m.	m.	NOUN
fsr-3906	251	47	j.	j.	PROPN
fsr-3906	251	48	(	(	PUNCT
fsr-3906	251	49	1977	1977	NUM
fsr-3906	251	50	)	)	PUNCT
fsr-3906	251	51	.	.	PUNCT
fsr-3906	252	1	social	social	ADJ
fsr-3906	252	2	security	security	NOUN
fsr-3906	252	3	and	and	CCONJ
fsr-3906	252	4	retirement	retirement	NOUN
fsr-3906	252	5	decisions.economic	decisions.economic	ADJ
fsr-3906	252	6	inquiry	inquiry	NOUN
fsr-3906	252	7	,	,	PUNCT
fsr-3906	252	8	15(1	15(1	NUM
fsr-3906	252	9	)	)	PUNCT
fsr-3906	252	10	,	,	PUNCT
fsr-3906	252	11	1–25	1–25	PROPN
fsr-3906	252	12	.	.	PUNCT
fsr-3906	253	1	bovbjerg	bovbjerg	PROPN
fsr-3906	253	2	,	,	PUNCT
fsr-3906	253	3	b.	b.	PROPN
fsr-3906	253	4	d.	d.	PROPN
fsr-3906	253	5	(	(	PUNCT
fsr-3906	253	6	1998	1998	NUM
fsr-3906	253	7	,	,	PUNCT
fsr-3906	253	8	july	july	PROPN
fsr-3906	253	9	15	15	NUM
fsr-3906	253	10	)	)	PUNCT
fsr-3906	253	11	.	.	PUNCT
fsr-3906	254	1	social	social	ADJ
fsr-3906	254	2	security	security	NOUN
fsr-3906	254	3	reform	reform	NOUN
fsr-3906	254	4	.	.	PUNCT
fsr-3906	255	1	raising	raise	VERB
fsr-3906	255	2	the	the	DET
fsr-3906	255	3	retirement	retirement	NOUN
fsr-3906	255	4	age	age	NOUN
fsr-3906	255	5	improves	improve	VERB
fsr-3906	255	6	program	program	NOUN
fsr-3906	255	7	solvency	solvency	NOUN
fsr-3906	255	8	but	but	CCONJ
fsr-3906	255	9	may	may	AUX
fsr-3906	255	10	cause	cause	VERB
fsr-3906	255	11	hardship	hardship	NOUN
fsr-3906	255	12	for	for	ADP
fsr-3906	255	13	some	some	PRON
fsr-3906	255	14	.	.	PUNCT
fsr-3906	256	1	government	government	NOUN
fsr-3906	256	2	accounting	accounting	NOUN
fsr-3906	256	3	office	office	PROPN
fsr-3906	256	4	,	,	PUNCT
fsr-3906	256	5	t	t	PROPN
fsr-3906	256	6	-	-	PUNCT
fsr-3906	256	7	hehs-98–207	hehs-98–207	PROPN
fsr-3906	256	8	.	.	PUNCT
fsr-3906	257	1	burtless	burtless	NOUN
fsr-3906	257	2	,	,	PUNCT
fsr-3906	257	3	g.	g.	PROPN
fsr-3906	257	4	(	(	PUNCT
fsr-3906	257	5	1986	1986	NUM
fsr-3906	257	6	)	)	PUNCT
fsr-3906	257	7	.	.	PUNCT
fsr-3906	258	1	social	social	ADJ
fsr-3906	258	2	security	security	NOUN
fsr-3906	258	3	,	,	PUNCT
fsr-3906	258	4	unanticipated	unanticipated	ADJ
fsr-3906	258	5	benefit	benefit	NOUN
fsr-3906	258	6	increases	increase	NOUN
fsr-3906	258	7	,	,	PUNCT
fsr-3906	258	8	and	and	CCONJ
fsr-3906	258	9	the	the	DET
fsr-3906	258	10	timing	timing	NOUN
fsr-3906	258	11	of	of	ADP
fsr-3906	258	12	retirement.review	retirement.review	NOUN
fsr-3906	258	13	of	of	ADP
fsr-3906	258	14	economic	economic	ADJ
fsr-3906	258	15	studies	study	NOUN
fsr-3906	258	16	,	,	PUNCT
fsr-3906	258	17	53(5	53(5	NUM
fsr-3906	258	18	)	)	PUNCT
fsr-3906	258	19	,	,	PUNCT
fsr-3906	258	20	781–805	781–805	NUM
fsr-3906	258	21	.	.	PUNCT
fsr-3906	259	1	burtless	burtless	NOUN
fsr-3906	259	2	,	,	PUNCT
fsr-3906	259	3	g.	g.	PROPN
fsr-3906	259	4	,	,	PUNCT
fsr-3906	259	5	&	&	CCONJ
fsr-3906	259	6	moffitt	moffitt	PROPN
fsr-3906	259	7	,	,	PUNCT
fsr-3906	259	8	r.	r.	PROPN
fsr-3906	259	9	a.	a.	PROPN
fsr-3906	259	10	(	(	PUNCT
fsr-3906	259	11	1985	1985	NUM
fsr-3906	259	12	)	)	PUNCT
fsr-3906	259	13	.	.	PUNCT
fsr-3906	260	1	the	the	DET
fsr-3906	260	2	joint	joint	ADJ
fsr-3906	260	3	choice	choice	NOUN
fsr-3906	260	4	of	of	ADP
fsr-3906	260	5	retirement	retirement	NOUN
fsr-3906	260	6	age	age	NOUN
fsr-3906	260	7	and	and	CCONJ
fsr-3906	260	8	postretirement	postretirement	NOUN
fsr-3906	260	9	hours	hour	NOUN
fsr-3906	260	10	of	of	ADP
fsr-3906	260	11	work	work	NOUN
fsr-3906	260	12	.	.	PUNCT
fsr-3906	261	1	journal	journal	NOUN
fsr-3906	261	2	of	of	ADP
fsr-3906	261	3	labor	labor	NOUN
fsr-3906	261	4	economics	economic	NOUN
fsr-3906	261	5	,	,	PUNCT
fsr-3906	261	6	3(2	3(2	NUM
fsr-3906	261	7	)	)	PUNCT
fsr-3906	261	8	,	,	PUNCT
fsr-3906	261	9	209–236	209–236	NUM
fsr-3906	261	10	.	.	PUNCT
fsr-3906	261	11	diamond	diamond	NOUN
fsr-3906	261	12	,	,	PUNCT
fsr-3906	261	13	p.	p.	NOUN
fsr-3906	261	14	a.	a.	NOUN
fsr-3906	261	15	,	,	PUNCT
fsr-3906	261	16	&	&	CCONJ
fsr-3906	261	17	hausman	hausman	PROPN
fsr-3906	261	18	,	,	PUNCT
fsr-3906	261	19	j.	j.	PROPN
fsr-3906	261	20	a.	a.	PROPN
fsr-3906	261	21	(	(	PUNCT
fsr-3906	261	22	1984	1984	NUM
fsr-3906	261	23	)	)	PUNCT
fsr-3906	261	24	.	.	PUNCT
fsr-3906	262	1	individual	individual	ADJ
fsr-3906	262	2	retirement	retirement	NOUN
fsr-3906	262	3	and	and	CCONJ
fsr-3906	262	4	savings	saving	NOUN
fsr-3906	262	5	behavior.journal	behavior.journal	NOUN
fsr-3906	262	6	of	of	ADP
fsr-3906	262	7	public	public	ADJ
fsr-3906	262	8	economics	economic	NOUN
fsr-3906	262	9	,	,	PUNCT
fsr-3906	262	10	23,81–114	23,81–114	NUM
fsr-3906	262	11	.	.	PUNCT
fsr-3906	262	12	economic	economic	ADJ
fsr-3906	262	13	report	report	NOUN
fsr-3906	262	14	of	of	ADP
fsr-3906	262	15	the	the	DET
fsr-3906	262	16	president.(1999	president.(1999	NOUN
fsr-3906	262	17	)	)	PUNCT
fsr-3906	262	18	.	.	PUNCT
fsr-3906	263	1	washington	washington	PROPN
fsr-3906	263	2	,	,	PUNCT
fsr-3906	263	3	d.c	d.c	PROPN
fsr-3906	263	4	.	.	PUNCT
fsr-3906	263	5	:	:	PUNCT
fsr-3906	264	1	u.s	u.s	PROPN
fsr-3906	264	2	.	.	PROPN
fsr-3906	264	3	government	government	NOUN
fsr-3906	264	4	printing	printing	NOUN
fsr-3906	264	5	office	office	NOUN
fsr-3906	264	6	.	.	PUNCT
fsr-3906	265	1	employee	employee	NOUN
fsr-3906	265	2	benefit	benefit	PROPN
fsr-3906	265	3	research	research	PROPN
fsr-3906	265	4	institute	institute	PROPN
fsr-3906	265	5	.	.	PUNCT
fsr-3906	266	1	(	(	PUNCT
fsr-3906	266	2	1999	1999	NUM
fsr-3906	266	3	)	)	PUNCT
fsr-3906	266	4	.	.	PUNCT
fsr-3906	267	1	retirement	retirement	NOUN
fsr-3906	267	2	patterns	pattern	NOUN
fsr-3906	267	3	and	and	CCONJ
fsr-3906	267	4	bridge	bridge	NOUN
fsr-3906	267	5	jobs	job	NOUN
fsr-3906	267	6	in	in	ADP
fsr-3906	267	7	the	the	DET
fsr-3906	267	8	1990s.ebri	1990s.ebri	PROPN
fsr-3906	267	9	issue	issue	NOUN
fsr-3906	267	10	brief	brief	ADJ
fsr-3906	267	11	no	no	INTJ
fsr-3906	267	12	.	.	PUNCT
fsr-3906	268	1	206.author	206.author	X
fsr-3906	268	2	.	.	PUNCT
fsr-3906	269	1	fields	field	NOUN
fsr-3906	269	2	,	,	PUNCT
fsr-3906	269	3	g.	g.	PROPN
fsr-3906	269	4	s.	s.	PROPN
fsr-3906	269	5	,	,	PUNCT
fsr-3906	269	6	&	&	CCONJ
fsr-3906	269	7	mitchell	mitchell	PROPN
fsr-3906	269	8	,	,	PUNCT
fsr-3906	269	9	o.	o.	PROPN
fsr-3906	269	10	s.	s.	PROPN
fsr-3906	269	11	(	(	PUNCT
fsr-3906	269	12	1984	1984	NUM
fsr-3906	269	13	)	)	PUNCT
fsr-3906	269	14	.	.	PUNCT
fsr-3906	270	1	economic	economic	ADJ
fsr-3906	270	2	determinants	determinant	NOUN
fsr-3906	270	3	of	of	ADP
fsr-3906	270	4	the	the	DET
fsr-3906	270	5	optimal	optimal	ADJ
fsr-3906	270	6	retirement	retirement	NOUN
fsr-3906	270	7	age	age	NOUN
fsr-3906	270	8	:	:	PUNCT
fsr-3906	270	9	an	an	DET
fsr-3906	270	10	empirical	empirical	ADJ
fsr-3906	270	11	investigation.journal	investigation.journal	NOUN
fsr-3906	270	12	of	of	ADP
fsr-3906	270	13	human	human	ADJ
fsr-3906	270	14	resources	resource	NOUN
fsr-3906	270	15	,	,	PUNCT
fsr-3906	270	16	19(2	19(2	NUM
fsr-3906	270	17	)	)	PUNCT
fsr-3906	270	18	,	,	PUNCT
fsr-3906	270	19	245–262	245–262	NUM
fsr-3906	270	20	.	.	PUNCT
fsr-3906	270	21	gustman	gustman	NOUN
fsr-3906	270	22	,	,	PUNCT
fsr-3906	270	23	a.	a.	PROPN
fsr-3906	270	24	l.	l.	PROPN
fsr-3906	270	25	,	,	PUNCT
fsr-3906	270	26	mitchell	mitchell	PROPN
fsr-3906	270	27	,	,	PUNCT
fsr-3906	270	28	o.	o.	PROPN
fsr-3906	270	29	s.	s.	PROPN
fsr-3906	270	30	,	,	PUNCT
fsr-3906	270	31	&	&	CCONJ
fsr-3906	270	32	steinmeier	steinmeier	PROPN
fsr-3906	270	33	,	,	PUNCT
fsr-3906	270	34	t.	t.	PROPN
fsr-3906	270	35	l.	l.	PROPN
fsr-3906	270	36	(	(	PUNCT
fsr-3906	270	37	1995	1995	NUM
fsr-3906	270	38	)	)	PUNCT
fsr-3906	270	39	.	.	PUNCT
fsr-3906	271	1	retirement	retirement	NOUN
fsr-3906	271	2	measures	measure	NOUN
fsr-3906	271	3	in	in	ADP
fsr-3906	271	4	the	the	DET
fsr-3906	271	5	health	health	NOUN
fsr-3906	271	6	and	and	CCONJ
fsr-3906	271	7	retirement	retirement	NOUN
fsr-3906	271	8	study.journal	study.journal	NUM
fsr-3906	271	9	of	of	ADP
fsr-3906	271	10	human	human	ADJ
fsr-3906	271	11	resources	resource	NOUN
fsr-3906	271	12	,	,	PUNCT
fsr-3906	271	13	30(1995	30(1995	NUM
fsr-3906	271	14	supplement	supplement	NOUN
fsr-3906	271	15	)	)	PUNCT
fsr-3906	271	16	,	,	PUNCT
fsr-3906	271	17	s57	s57	NOUN
fsr-3906	271	18	–	–	PUNCT
fsr-3906	271	19	s83	s83	NOUN
fsr-3906	271	20	.	.	PUNCT
fsr-3906	272	1	heckman	heckman	PROPN
fsr-3906	272	2	,	,	PUNCT
fsr-3906	272	3	j.	j.	PROPN
fsr-3906	272	4	(	(	PUNCT
fsr-3906	272	5	1979	1979	NUM
fsr-3906	272	6	)	)	PUNCT
fsr-3906	272	7	.	.	PUNCT
fsr-3906	273	1	sample	sample	NOUN
fsr-3906	273	2	selection	selection	NOUN
fsr-3906	273	3	bias	bias	NOUN
fsr-3906	273	4	as	as	ADP
fsr-3906	273	5	a	a	DET
fsr-3906	273	6	specification	specification	NOUN
fsr-3906	273	7	error.econometrica	error.econometrica	PROPN
fsr-3906	273	8	,	,	PUNCT
fsr-3906	273	9	47,153–161	47,153–161	NOUN
fsr-3906	273	10	.	.	PUNCT
fsr-3906	274	1	honig	honig	PROPN
fsr-3906	274	2	,	,	PUNCT
fsr-3906	274	3	m.	m.	NOUN
fsr-3906	274	4	(	(	PUNCT
fsr-3906	274	5	1996	1996	NUM
fsr-3906	274	6	)	)	PUNCT
fsr-3906	274	7	.	.	PUNCT
fsr-3906	275	1	retirement	retirement	NOUN
fsr-3906	275	2	expectations	expectation	NOUN
fsr-3906	275	3	:	:	PUNCT
fsr-3906	275	4	differences	difference	NOUN
fsr-3906	275	5	by	by	ADP
fsr-3906	275	6	race	race	NOUN
fsr-3906	275	7	,	,	PUNCT
fsr-3906	275	8	ethnicity	ethnicity	NOUN
fsr-3906	275	9	,	,	PUNCT
fsr-3906	275	10	and	and	CCONJ
fsr-3906	275	11	gender.the	gender.the	DET
fsr-3906	275	12	gerontologist	gerontologist	NOUN
fsr-3906	275	13	,	,	PUNCT
fsr-3906	275	14	36(3	36(3	NOUN
fsr-3906	275	15	)	)	PUNCT
fsr-3906	275	16	,	,	PUNCT
fsr-3906	275	17	373–382	373–382	NUM
fsr-3906	275	18	.	.	PUNCT
fsr-3906	276	1	hurd	hurd	PROPN
fsr-3906	276	2	,	,	PUNCT
fsr-3906	276	3	m.	m.	PROPN
fsr-3906	276	4	d.	d.	PROPN
fsr-3906	276	5	(	(	PUNCT
fsr-3906	276	6	1997	1997	NUM
fsr-3906	276	7	)	)	PUNCT
fsr-3906	276	8	.	.	PUNCT
fsr-3906	277	1	the	the	DET
fsr-3906	277	2	economics	economic	NOUN
fsr-3906	277	3	of	of	ADP
fsr-3906	277	4	individual	individual	ADJ
fsr-3906	277	5	aging	aging	NOUN
fsr-3906	277	6	.	.	PUNCT
fsr-3906	278	1	in	in	ADP
fsr-3906	278	2	m.	m.	PROPN
fsr-3906	278	3	r.	r.	PROPN
fsr-3906	278	4	rosenzweig	rosenzweig	PROPN
fsr-3906	278	5	&	&	CCONJ
fsr-3906	278	6	o.	o.	PROPN
fsr-3906	278	7	stark	stark	PROPN
fsr-3906	278	8	(	(	PUNCT
fsr-3906	278	9	eds.),handbook	eds.),handbook	NOUN
fsr-3906	278	10	of	of	ADP
fsr-3906	278	11	population	population	NOUN
fsr-3906	278	12	and	and	CCONJ
fsr-3906	278	13	family	family	NOUN
fsr-3906	278	14	economics	economic	NOUN
fsr-3906	278	15	,	,	PUNCT
fsr-3906	278	16	volume	volume	NOUN
fsr-3906	278	17	1b	1b	NUM
fsr-3906	278	18	(	(	PUNCT
fsr-3906	278	19	pp	pp	ADV
fsr-3906	278	20	.	.	PUNCT
fsr-3906	278	21	891–966	891–966	NUM
fsr-3906	278	22	)	)	PUNCT
fsr-3906	278	23	.	.	PUNCT
fsr-3906	279	1	new	new	PROPN
fsr-3906	279	2	york	york	PROPN
fsr-3906	279	3	:	:	PUNCT
fsr-3906	279	4	new	new	PROPN
fsr-3906	279	5	holland	holland	PROPN
fsr-3906	279	6	.	.	PUNCT
fsr-3906	280	1	kennickell	kennickell	PROPN
fsr-3906	280	2	,	,	PUNCT
fsr-3906	280	3	a.	a.	PROPN
fsr-3906	280	4	b.	b.	PROPN
fsr-3906	280	5	,	,	PUNCT
fsr-3906	280	6	starr	starr	PROPN
fsr-3906	280	7	-	-	PUNCT
fsr-3906	280	8	mccluer	mccluer	PROPN
fsr-3906	280	9	,	,	PUNCT
fsr-3906	280	10	m.	m.	NOUN
fsr-3906	280	11	,	,	PUNCT
fsr-3906	280	12	&	&	CCONJ
fsr-3906	280	13	sunde´n	sunde´n	PROPN
fsr-3906	280	14	,	,	PUNCT
fsr-3906	280	15	a.	a.	PROPN
fsr-3906	280	16	e.	e.	PROPN
fsr-3906	280	17	(	(	PUNCT
fsr-3906	280	18	1997	1997	NUM
fsr-3906	280	19	)	)	PUNCT
fsr-3906	280	20	.	.	PUNCT
fsr-3906	281	1	family	family	NOUN
fsr-3906	281	2	finances	finance	NOUN
fsr-3906	281	3	in	in	ADP
fsr-3906	281	4	the	the	DET
fsr-3906	281	5	u.s	u.s	PROPN
fsr-3906	281	6	.	.	PROPN
fsr-3906	281	7	:	:	PUNCT
fsr-3906	281	8	recent	recent	ADJ
fsr-3906	281	9	evidence	evidence	NOUN
fsr-3906	281	10	from	from	ADP
fsr-3906	281	11	the	the	DET
fsr-3906	281	12	survey	survey	NOUN
fsr-3906	281	13	of	of	ADP
fsr-3906	281	14	consumer	consumer	NOUN
fsr-3906	281	15	finances.federal	finances.federal	PROPN
fsr-3906	281	16	reserve	reserve	PROPN
fsr-3906	281	17	bulletin	bulletin	NOUN
fsr-3906	281	18	,	,	PUNCT
fsr-3906	281	19	83(1	83(1	PROPN
fsr-3906	281	20	)	)	PUNCT
fsr-3906	281	21	,	,	PUNCT
fsr-3906	281	22	1–24	1–24	PROPN
fsr-3906	281	23	.	.	PUNCT
fsr-3906	282	1	kotlikoff	kotlikoff	PROPN
fsr-3906	282	2	,	,	PUNCT
fsr-3906	282	3	l.	l.	PROPN
fsr-3906	282	4	j.	j.	PROPN
fsr-3906	282	5	(	(	PUNCT
fsr-3906	282	6	1979	1979	NUM
fsr-3906	282	7	)	)	PUNCT
fsr-3906	282	8	.	.	PUNCT
fsr-3906	283	1	testing	test	VERB
fsr-3906	283	2	the	the	DET
fsr-3906	283	3	theory	theory	NOUN
fsr-3906	283	4	of	of	ADP
fsr-3906	283	5	social	social	ADJ
fsr-3906	283	6	security	security	NOUN
fsr-3906	283	7	and	and	CCONJ
fsr-3906	283	8	life	life	NOUN
fsr-3906	283	9	cycle	cycle	NOUN
fsr-3906	283	10	accumulation.the	accumulation.the	DET
fsr-3906	283	11	american	american	PROPN
fsr-3906	283	12	economic	economic	PROPN
fsr-3906	283	13	review	review	PROPN
fsr-3906	283	14	,	,	PUNCT
fsr-3906	283	15	69(3	69(3	NUM
fsr-3906	283	16	)	)	PUNCT
fsr-3906	283	17	,	,	PUNCT
fsr-3906	283	18	396–410	396–410	NUM
fsr-3906	283	19	.	.	PUNCT
fsr-3906	284	1	leonesio	leonesio	PROPN
fsr-3906	284	2	,	,	PUNCT
fsr-3906	284	3	m.	m.	NOUN
fsr-3906	284	4	v.	v.	PROPN
fsr-3906	284	5	(	(	PUNCT
fsr-3906	284	6	1996	1996	NUM
fsr-3906	284	7	)	)	PUNCT
fsr-3906	284	8	.	.	PUNCT
fsr-3906	285	1	the	the	DET
fsr-3906	285	2	economics	economic	NOUN
fsr-3906	285	3	of	of	ADP
fsr-3906	285	4	retirement	retirement	NOUN
fsr-3906	285	5	:	:	PUNCT
fsr-3906	285	6	a	a	DET
fsr-3906	285	7	nontechnical	nontechnical	ADJ
fsr-3906	285	8	guide.social	guide.social	ADJ
fsr-3906	285	9	security	security	NOUN
fsr-3906	285	10	bulletin	bulletin	NOUN
fsr-3906	285	11	,	,	PUNCT
fsr-3906	285	12	59(4	59(4	NUM
fsr-3906	285	13	)	)	PUNCT
fsr-3906	285	14	,	,	PUNCT
fsr-3906	285	15	29–50	29–50	NUM
fsr-3906	285	16	.	.	PUNCT
fsr-3906	286	1	mitchell	mitchell	PROPN
fsr-3906	286	2	,	,	PUNCT
fsr-3906	286	3	o.	o.	PROPN
fsr-3906	286	4	s.	s.	PROPN
fsr-3906	286	5	,	,	PUNCT
fsr-3906	286	6	&	&	CCONJ
fsr-3906	286	7	moore	moore	PROPN
fsr-3906	286	8	,	,	PUNCT
fsr-3906	286	9	j.	j.	PROPN
fsr-3906	286	10	f.	f.	PROPN
fsr-3906	286	11	(	(	PUNCT
fsr-3906	286	12	1997).retirement	1997).retirement	NUM
fsr-3906	286	13	wealth	wealth	NOUN
fsr-3906	286	14	accumulation	accumulation	NOUN
fsr-3906	286	15	and	and	CCONJ
fsr-3906	286	16	decumulation	decumulation	NOUN
fsr-3906	286	17	:	:	PUNCT
fsr-3906	286	18	new	new	ADJ
fsr-3906	286	19	developments	development	NOUN
fsr-3906	286	20	and	and	CCONJ
fsr-3906	286	21	outstanding	outstanding	ADJ
fsr-3906	286	22	opportunities.the	opportunities.the	DET
fsr-3906	286	23	wharton	wharton	PROPN
fsr-3906	286	24	financial	financial	ADJ
fsr-3906	286	25	institutions	institution	NOUN
fsr-3906	286	26	center	center	NOUN
fsr-3906	286	27	,	,	PUNCT
fsr-3906	286	28	university	university	NOUN
fsr-3906	286	29	of	of	ADP
fsr-3906	286	30	pennsylvania	pennsylvania	PROPN
fsr-3906	286	31	,	,	PUNCT
fsr-3906	286	32	working	work	VERB
fsr-3906	286	33	paper	paper	NOUN
fsr-3906	286	34	97–12	97–12	NUM
fsr-3906	286	35	.	.	PUNCT
fsr-3906	287	1	14	14	NUM
fsr-3906	288	1	c.p	c.p	PROPN
fsr-3906	288	2	.	.	PROPN
fsr-3906	288	3	montalto	montalto	PROPN
fsr-3906	288	4	et	et	PROPN
fsr-3906	288	5	al	al	PROPN
fsr-3906	288	6	.	.	PUNCT
fsr-3906	288	7	/	/	SYM
fsr-3906	288	8	financial	financial	ADJ
fsr-3906	288	9	services	service	NOUN
fsr-3906	288	10	review	review	VERB
fsr-3906	288	11	9	9	NUM
fsr-3906	288	12	(	(	PUNCT
fsr-3906	288	13	2000	2000	NUM
fsr-3906	288	14	)	)	PUNCT
fsr-3906	288	15	1–15	1–15	PROPN
fsr-3906	288	16	mitchell	mitchell	NOUN
fsr-3906	288	17	,	,	PUNCT
fsr-3906	288	18	o.	o.	PROPN
fsr-3906	288	19	s.	s.	PROPN
fsr-3906	288	20	,	,	PUNCT
fsr-3906	288	21	&	&	CCONJ
fsr-3906	288	22	quinn	quinn	PROPN
fsr-3906	288	23	,	,	PUNCT
fsr-3906	288	24	j.	j.	PROPN
fsr-3906	288	25	f.	f.	PROPN
fsr-3906	288	26	(	(	PUNCT
fsr-3906	288	27	1995	1995	NUM
fsr-3906	288	28	)	)	PUNCT
fsr-3906	288	29	.	.	PUNCT
fsr-3906	289	1	final	final	ADJ
fsr-3906	289	2	report	report	NOUN
fsr-3906	289	3	to	to	ADP
fsr-3906	289	4	the	the	DET
fsr-3906	289	5	technical	technical	ADJ
fsr-3906	289	6	panel	panel	NOUN
fsr-3906	289	7	on	on	ADP
fsr-3906	289	8	trends	trend	NOUN
fsr-3906	289	9	and	and	CCONJ
fsr-3906	289	10	issues	issue	NOUN
fsr-3906	289	11	in	in	ADP
fsr-3906	289	12	retirement	retirement	NOUN
fsr-3906	289	13	savings	saving	NOUN
fsr-3906	289	14	.	.	PUNCT
fsr-3906	290	1	washington	washington	PROPN
fsr-3906	290	2	,	,	PUNCT
fsr-3906	290	3	d.c	d.c	PROPN
fsr-3906	290	4	.	.	PUNCT
fsr-3906	290	5	:	:	PUNCT
fsr-3906	291	1	1994–95	1994–95	NUM
fsr-3906	291	2	advisory	advisory	ADJ
fsr-3906	291	3	council	council	NOUN
fsr-3906	291	4	on	on	ADP
fsr-3906	291	5	social	social	ADJ
fsr-3906	291	6	security	security	NOUN
fsr-3906	291	7	.	.	PUNCT
fsr-3906	292	1	montalto	montalto	PROPN
fsr-3906	292	2	,	,	PUNCT
fsr-3906	292	3	c.	c.	PROPN
fsr-3906	292	4	p.	p.	PROPN
fsr-3906	292	5	,	,	PUNCT
fsr-3906	292	6	&	&	CCONJ
fsr-3906	292	7	sung	sung	PROPN
fsr-3906	292	8	,	,	PUNCT
fsr-3906	292	9	j.	j.	PROPN
fsr-3906	292	10	(	(	PUNCT
fsr-3906	292	11	1996	1996	NUM
fsr-3906	292	12	)	)	PUNCT
fsr-3906	292	13	.	.	PUNCT
fsr-3906	293	1	multiple	multiple	ADJ
fsr-3906	293	2	imputation	imputation	NOUN
fsr-3906	293	3	in	in	ADP
fsr-3906	293	4	the	the	DET
fsr-3906	293	5	1992	1992	NUM
fsr-3906	293	6	survey	survey	NOUN
fsr-3906	293	7	of	of	ADP
fsr-3906	293	8	consumer	consumer	NOUN
fsr-3906	293	9	finances.financial	finances.financial	ADJ
fsr-3906	293	10	counseling	counseling	NOUN
fsr-3906	293	11	and	and	CCONJ
fsr-3906	293	12	planning	planning	NOUN
fsr-3906	293	13	,	,	PUNCT
fsr-3906	293	14	7,133–146	7,133–146	NUM
fsr-3906	293	15	.	.	PUNCT
fsr-3906	294	1	quinn	quinn	PROPN
fsr-3906	294	2	,	,	PUNCT
fsr-3906	294	3	j.	j.	PROPN
fsr-3906	294	4	f.	f.	PROPN
fsr-3906	294	5	(	(	PUNCT
fsr-3906	294	6	1977	1977	NUM
fsr-3906	294	7	)	)	PUNCT
fsr-3906	294	8	.	.	PUNCT
fsr-3906	295	1	microeconomic	microeconomic	ADJ
fsr-3906	295	2	determinants	determinant	NOUN
fsr-3906	295	3	of	of	ADP
fsr-3906	295	4	early	early	ADJ
fsr-3906	295	5	retirement	retirement	NOUN
fsr-3906	295	6	:	:	PUNCT
fsr-3906	295	7	a	a	DET
fsr-3906	295	8	cross	cross	ADJ
fsr-3906	295	9	-	-	ADJ
fsr-3906	295	10	sectional	sectional	ADJ
fsr-3906	295	11	view	view	NOUN
fsr-3906	295	12	of	of	ADP
fsr-3906	295	13	white	white	ADJ
fsr-3906	295	14	married	marry	VERB
fsr-3906	295	15	men.the	men.the	DET
fsr-3906	295	16	journal	journal	NOUN
fsr-3906	295	17	of	of	ADP
fsr-3906	295	18	human	human	ADJ
fsr-3906	295	19	resources	resource	NOUN
fsr-3906	295	20	,	,	PUNCT
fsr-3906	295	21	12(3	12(3	NUM
fsr-3906	295	22	)	)	PUNCT
fsr-3906	295	23	,	,	PUNCT
fsr-3906	295	24	329–346	329–346	NUM
fsr-3906	295	25	.	.	PUNCT
fsr-3906	296	1	retirement	retirement	NOUN
fsr-3906	296	2	confidence	confidence	NOUN
fsr-3906	296	3	survey	survey	NOUN
fsr-3906	296	4	.	.	PUNCT
fsr-3906	297	1	(	(	PUNCT
fsr-3906	297	2	1999	1999	NUM
fsr-3906	297	3	)	)	PUNCT
fsr-3906	297	4	.	.	PUNCT
fsr-3906	298	1	changing	change	VERB
fsr-3906	298	2	nature	nature	NOUN
fsr-3906	298	3	of	of	ADP
fsr-3906	298	4	retirement	retirement	NOUN
fsr-3906	298	5	:	:	PUNCT
fsr-3906	298	6	fact	fact	NOUN
fsr-3906	298	7	sheet	sheet	NOUN
fsr-3906	298	8	.	.	PUNCT
fsr-3906	299	1	[	[	X
fsr-3906	299	2	www	www	NOUN
fsr-3906	299	3	document	document	NOUN
fsr-3906	299	4	]	]	X
fsr-3906	299	5	.	.	PUNCT
fsr-3906	300	1	url	url	PROPN
fsr-3906	301	1	http://www.asec.org/rcshm.htm	http://www.asec.org/rcshm.htm	PROPN
fsr-3906	301	2	rubin	rubin	PROPN
fsr-3906	301	3	,	,	PUNCT
fsr-3906	301	4	d.	d.	PROPN
fsr-3906	301	5	b.	b.	PROPN
fsr-3906	301	6	(	(	PUNCT
fsr-3906	301	7	1987).multiple	1987).multiple	NUM
fsr-3906	301	8	imputation	imputation	NOUN
fsr-3906	301	9	for	for	ADP
fsr-3906	301	10	nonresponse	nonresponse	NOUN
fsr-3906	301	11	in	in	ADP
fsr-3906	301	12	surveys.new	surveys.new	PROPN
fsr-3906	301	13	york	york	PROPN
fsr-3906	301	14	:	:	PUNCT
fsr-3906	301	15	john	john	PROPN
fsr-3906	301	16	wiley	wiley	PROPN
fsr-3906	301	17	&	&	CCONJ
fsr-3906	301	18	sons	son	NOUN
fsr-3906	301	19	.	.	PUNCT
fsr-3906	302	1	samwick	samwick	PROPN
fsr-3906	302	2	,	,	PUNCT
fsr-3906	302	3	a.	a.	NOUN
fsr-3906	302	4	a.	a.	NOUN
fsr-3906	302	5	(	(	PUNCT
fsr-3906	302	6	1998	1998	NUM
fsr-3906	302	7	)	)	PUNCT
fsr-3906	302	8	.	.	PUNCT
fsr-3906	303	1	new	new	ADJ
fsr-3906	303	2	evidence	evidence	NOUN
fsr-3906	303	3	on	on	ADP
fsr-3906	303	4	pensions	pension	NOUN
fsr-3906	303	5	,	,	PUNCT
fsr-3906	303	6	social	social	ADJ
fsr-3906	303	7	security	security	NOUN
fsr-3906	303	8	,	,	PUNCT
fsr-3906	303	9	and	and	CCONJ
fsr-3906	303	10	the	the	DET
fsr-3906	303	11	timing	timing	NOUN
fsr-3906	303	12	of	of	ADP
fsr-3906	303	13	retirement.journal	retirement.journal	ADJ
fsr-3906	303	14	of	of	ADP
fsr-3906	303	15	public	public	ADJ
fsr-3906	303	16	economics	economic	NOUN
fsr-3906	303	17	,	,	PUNCT
fsr-3906	303	18	70(2	70(2	NUM
fsr-3906	303	19	)	)	PUNCT
fsr-3906	303	20	,	,	PUNCT
fsr-3906	303	21	207–236	207–236	NUM
fsr-3906	303	22	.	.	PUNCT
fsr-3906	304	1	sas	sas	PROPN
fsr-3906	304	2	institute	institute	PROPN
fsr-3906	304	3	inc	inc	PROPN
fsr-3906	304	4	.	.	PROPN
fsr-3906	304	5	(	(	PUNCT
fsr-3906	304	6	1990	1990	NUM
fsr-3906	304	7	)	)	PUNCT
fsr-3906	304	8	.	.	PUNCT
fsr-3906	305	1	sas	sas	PROPN
fsr-3906	305	2	/	/	SYM
fsr-3906	305	3	stat	stat	PROPN
fsr-3906	305	4	©	©	PROPN
fsr-3906	305	5	user	user	NOUN
fsr-3906	305	6	’s	’s	PART
fsr-3906	305	7	guide	guide	NOUN
fsr-3906	305	8	,	,	PUNCT
fsr-3906	305	9	version	version	NOUN
fsr-3906	305	10	6	6	NUM
fsr-3906	305	11	,	,	PUNCT
fsr-3906	305	12	fourth	fourth	ADJ
fsr-3906	305	13	edition	edition	NOUN
fsr-3906	305	14	,	,	PUNCT
fsr-3906	305	15	volume	volume	NOUN
fsr-3906	305	16	2	2	NUM
fsr-3906	305	17	.	.	PUNCT
fsr-3906	306	1	cary	cary	PROPN
fsr-3906	306	2	,	,	PUNCT
fsr-3906	306	3	nc	nc	PROPN
fsr-3906	306	4	:	:	PROPN
fsr-3906	306	5	sas	sas	PROPN
fsr-3906	306	6	institute	institute	PROPN
fsr-3906	306	7	inc	inc	PROPN
fsr-3906	306	8	.	.	PROPN
fsr-3906	306	9	sickles	sickle	NOUN
fsr-3906	306	10	,	,	PUNCT
fsr-3906	306	11	r.	r.	PROPN
fsr-3906	306	12	c.	c.	PROPN
fsr-3906	306	13	,	,	PUNCT
fsr-3906	306	14	&	&	CCONJ
fsr-3906	306	15	taubman	taubman	PROPN
fsr-3906	306	16	,	,	PUNCT
fsr-3906	306	17	p.	p.	NOUN
fsr-3906	306	18	(	(	PUNCT
fsr-3906	306	19	1986	1986	NUM
fsr-3906	306	20	)	)	PUNCT
fsr-3906	306	21	.	.	PUNCT
fsr-3906	307	1	an	an	DET
fsr-3906	307	2	analysis	analysis	NOUN
fsr-3906	307	3	of	of	ADP
fsr-3906	307	4	the	the	DET
fsr-3906	307	5	health	health	NOUN
fsr-3906	307	6	and	and	CCONJ
fsr-3906	307	7	retirement	retirement	NOUN
fsr-3906	307	8	status	status	NOUN
fsr-3906	307	9	of	of	ADP
fsr-3906	307	10	the	the	DET
fsr-3906	307	11	elderly.econometrica	elderly.econometrica	PROPN
fsr-3906	307	12	,	,	PUNCT
fsr-3906	307	13	54	54	NUM
fsr-3906	307	14	,	,	PUNCT
fsr-3906	307	15	1339–1356	1339–1356	NUM
fsr-3906	307	16	.	.	PUNCT
fsr-3906	307	17	suits	suit	NOUN
fsr-3906	307	18	,	,	PUNCT
fsr-3906	307	19	d.	d.	PROPN
fsr-3906	307	20	b.	b.	PROPN
fsr-3906	307	21	,	,	PUNCT
fsr-3906	307	22	mason	mason	PROPN
fsr-3906	307	23	,	,	PUNCT
fsr-3906	307	24	a.	a.	PROPN
fsr-3906	307	25	,	,	PUNCT
fsr-3906	307	26	&	&	CCONJ
fsr-3906	307	27	chan	chan	PROPN
fsr-3906	307	28	,	,	PUNCT
fsr-3906	307	29	l.	l.	PROPN
fsr-3906	307	30	(	(	PUNCT
fsr-3906	307	31	1978	1978	NUM
fsr-3906	307	32	)	)	PUNCT
fsr-3906	307	33	.	.	PUNCT
fsr-3906	308	1	spline	spline	NOUN
fsr-3906	308	2	functions	function	NOUN
fsr-3906	308	3	fitted	fit	VERB
fsr-3906	308	4	by	by	ADP
fsr-3906	308	5	standard	standard	ADJ
fsr-3906	308	6	regression	regression	NOUN
fsr-3906	308	7	methods.the	methods.the	DET
fsr-3906	308	8	review	review	NOUN
fsr-3906	308	9	of	of	ADP
fsr-3906	308	10	economics	economic	NOUN
fsr-3906	308	11	and	and	CCONJ
fsr-3906	308	12	statistics	statistic	NOUN
fsr-3906	308	13	,	,	PUNCT
fsr-3906	308	14	60(1	60(1	NUM
fsr-3906	308	15	)	)	PUNCT
fsr-3906	308	16	,	,	PUNCT
fsr-3906	308	17	132–139	132–139	NUM
fsr-3906	308	18	.	.	PUNCT
fsr-3906	309	1	uccello	uccello	PROPN
fsr-3906	309	2	,	,	PUNCT
fsr-3906	309	3	c.	c.	PROPN
fsr-3906	309	4	e.	e.	PROPN
fsr-3906	309	5	(	(	PUNCT
fsr-3906	309	6	1998).factors	1998).factors	NUM
fsr-3906	309	7	influencing	influence	VERB
fsr-3906	309	8	retirement	retirement	NOUN
fsr-3906	309	9	:	:	PUNCT
fsr-3906	309	10	their	their	PRON
fsr-3906	309	11	implications	implication	NOUN
fsr-3906	309	12	for	for	ADP
fsr-3906	309	13	raising	raise	VERB
fsr-3906	309	14	retirement	retirement	NOUN
fsr-3906	309	15	age.(aarp	age.(aarp	ADJ
fsr-3906	309	16	public	public	ADJ
fsr-3906	309	17	policy	policy	NOUN
fsr-3906	309	18	institute	institute	NOUN
fsr-3906	309	19	,	,	PUNCT
fsr-3906	309	20	report	report	VERB
fsr-3906	309	21	no	no	INTJ
fsr-3906	309	22	.	.	NOUN
fsr-3906	309	23	9810	9810	NUM
fsr-3906	309	24	)	)	PUNCT
fsr-3906	309	25	.	.	PUNCT
fsr-3906	310	1	washington	washington	PROPN
fsr-3906	310	2	,	,	PUNCT
fsr-3906	310	3	d.c	d.c	PROPN
fsr-3906	310	4	.	.	PROPN
fsr-3906	310	5	:	:	PUNCT
fsr-3906	311	1	american	american	PROPN
fsr-3906	311	2	association	association	PROPN
fsr-3906	311	3	of	of	ADP
fsr-3906	311	4	retired	retire	VERB
fsr-3906	311	5	persons	person	NOUN
fsr-3906	311	6	.	.	PUNCT
fsr-3906	312	1	u.	u.	PROPN
fsr-3906	312	2	s.	s.	PROPN
fsr-3906	312	3	bureau	bureau	PROPN
fsr-3906	312	4	of	of	ADP
fsr-3906	312	5	the	the	DET
fsr-3906	312	6	census	census	NOUN
fsr-3906	312	7	.	.	PUNCT
fsr-3906	313	1	(	(	PUNCT
fsr-3906	313	2	1998	1998	NUM
fsr-3906	313	3	)	)	PUNCT
fsr-3906	313	4	.	.	PUNCT
fsr-3906	314	1	population	population	NOUN
fsr-3906	314	2	profile	profile	NOUN
fsr-3906	314	3	of	of	ADP
fsr-3906	314	4	the	the	DET
fsr-3906	314	5	united	united	PROPN
fsr-3906	314	6	states	states	PROPN
fsr-3906	314	7	1997.current	1997.current	NUM
fsr-3906	314	8	population	population	NOUN
fsr-3906	314	9	reports	report	NOUN
fsr-3906	314	10	,	,	PUNCT
fsr-3906	314	11	p23–194	p23–194	PROPN
fsr-3906	314	12	.	.	PUNCT
fsr-3906	315	1	washington	washington	PROPN
fsr-3906	315	2	,	,	PUNCT
fsr-3906	315	3	d.c	d.c	PROPN
fsr-3906	315	4	.	.	PUNCT
fsr-3906	315	5	:	:	PUNCT
fsr-3906	316	1	u.s	u.s	PROPN
fsr-3906	316	2	.	.	PROPN
fsr-3906	316	3	government	government	NOUN
fsr-3906	316	4	printing	printing	NOUN
fsr-3906	316	5	office	office	NOUN
fsr-3906	316	6	.	.	PUNCT
fsr-3906	317	1	yuh	yuh	PROPN
fsr-3906	317	2	,	,	PUNCT
fsr-3906	317	3	y.	y.	PROPN
fsr-3906	317	4	,	,	PUNCT
fsr-3906	317	5	hanna	hanna	PROPN
fsr-3906	317	6	,	,	PUNCT
fsr-3906	317	7	s.	s.	PROPN
fsr-3906	317	8	,	,	PUNCT
fsr-3906	317	9	&	&	CCONJ
fsr-3906	317	10	montalto	montalto	PROPN
fsr-3906	317	11	,	,	PUNCT
fsr-3906	317	12	c.	c.	PROPN
fsr-3906	317	13	p.	p.	PROPN
fsr-3906	317	14	(	(	PUNCT
fsr-3906	317	15	1998	1998	NUM
fsr-3906	317	16	)	)	PUNCT
fsr-3906	317	17	.	.	PUNCT
fsr-3906	318	1	mean	mean	VERB
fsr-3906	318	2	and	and	CCONJ
fsr-3906	318	3	pessimistic	pessimistic	ADJ
fsr-3906	318	4	projections	projection	NOUN
fsr-3906	318	5	of	of	ADP
fsr-3906	318	6	retirement	retirement	NOUN
fsr-3906	318	7	adequacy	adequacy	NOUN
fsr-3906	318	8	.	.	PUNCT
fsr-3906	319	1	financial	financial	ADJ
fsr-3906	319	2	services	service	NOUN
fsr-3906	319	3	review	review	PROPN
fsr-3906	319	4	,	,	PUNCT
fsr-3906	319	5	7(3	7(3	NUM
fsr-3906	319	6	)	)	PUNCT
fsr-3906	319	7	,	,	PUNCT
fsr-3906	319	8	175–193	175–193	NUM
fsr-3906	319	9	.	.	PUNCT
fsr-3906	320	1	yuh	yuh	PROPN
fsr-3906	320	2	,	,	PUNCT
fsr-3906	320	3	y.	y.	PROPN
fsr-3906	320	4	,	,	PUNCT
fsr-3906	320	5	montalto	montalto	PROPN
fsr-3906	320	6	,	,	PUNCT
fsr-3906	320	7	c.	c.	PROPN
fsr-3906	320	8	p.	p.	PROPN
fsr-3906	320	9	,	,	PUNCT
fsr-3906	320	10	&	&	CCONJ
fsr-3906	320	11	hanna	hanna	PROPN
fsr-3906	320	12	,	,	PUNCT
fsr-3906	320	13	s.	s.	PROPN
fsr-3906	320	14	(	(	PUNCT
fsr-3906	320	15	1998	1998	NUM
fsr-3906	320	16	)	)	PUNCT
fsr-3906	320	17	.	.	PUNCT
fsr-3906	321	1	are	be	AUX
fsr-3906	321	2	americans	americans	PROPN
fsr-3906	321	3	prepared	prepare	VERB
fsr-3906	321	4	for	for	ADP
fsr-3906	321	5	retirement?financial	retirement?financial	PROPN
fsr-3906	321	6	counseling	counseling	NOUN
fsr-3906	321	7	and	and	CCONJ
fsr-3906	321	8	planning	planning	NOUN
fsr-3906	321	9	,	,	PUNCT
fsr-3906	321	10	9(1	9(1	NUM
fsr-3906	321	11	)	)	PUNCT
fsr-3906	321	12	,	,	PUNCT
fsr-3906	321	13	1–12	1–12	NOUN
fsr-3906	321	14	.	.	PUNCT
fsr-3906	322	1	15c.p	15c.p	NUM
fsr-3906	322	2	.	.	PUNCT
fsr-3906	322	3	montalto	montalto	PROPN
fsr-3906	322	4	et	et	PROPN
fsr-3906	322	5	al	al	PROPN
fsr-3906	322	6	.	.	PUNCT
fsr-3906	322	7	/	/	SYM
fsr-3906	322	8	financial	financial	ADJ
fsr-3906	322	9	services	service	NOUN
fsr-3906	322	10	review	review	VERB
fsr-3906	322	11	9	9	NUM
fsr-3906	322	12	(	(	PUNCT
fsr-3906	322	13	2000	2000	NUM
fsr-3906	322	14	)	)	PUNCT
fsr-3906	322	15	1–15	1–15	PROPN