id	sid	tid	token	lemma	pos
fsr-3908	1	1	pii	pii	PROPN
fsr-3908	1	2	:	:	PUNCT
fsr-3908	1	3	s1057	s1057	NOUN
fsr-3908	1	4	-	-	PUNCT
fsr-3908	1	5	0810(00)00054	0810(00)00054	NUM
fsr-3908	1	6	-	-	PUNCT
fsr-3908	1	7	8	8	NUM
fsr-3908	1	8	beliefs	belief	NOUN
fsr-3908	1	9	and	and	CCONJ
fsr-3908	1	10	actions	action	NOUN
fsr-3908	1	11	:	:	PUNCT
fsr-3908	1	12	expectations	expectation	NOUN
fsr-3908	1	13	and	and	CCONJ
fsr-3908	1	14	savings	saving	NOUN
fsr-3908	1	15	decisions	decision	NOUN
fsr-3908	1	16	by	by	ADP
fsr-3908	1	17	older	old	ADJ
fsr-3908	1	18	americans	americans	PROPN
fsr-3908	1	19	harold	harold	PROPN
fsr-3908	1	20	w.	w.	PROPN
fsr-3908	1	21	elder	elder	PROPN
fsr-3908	1	22	*	*	PROPN
fsr-3908	1	23	,	,	PUNCT
fsr-3908	1	24	patricia	patricia	PROPN
fsr-3908	1	25	m.	m.	PROPN
fsr-3908	1	26	rudolph	rudolph	PROPN
fsr-3908	1	27	department	department	PROPN
fsr-3908	1	28	of	of	ADP
fsr-3908	1	29	economics	economic	NOUN
fsr-3908	1	30	,	,	PUNCT
fsr-3908	1	31	finance	finance	NOUN
fsr-3908	1	32	&	&	CCONJ
fsr-3908	1	33	legal	legal	ADJ
fsr-3908	1	34	studies	study	NOUN
fsr-3908	1	35	,	,	PUNCT
fsr-3908	1	36	university	university	NOUN
fsr-3908	1	37	of	of	ADP
fsr-3908	1	38	alabama	alabama	PROPN
fsr-3908	1	39	,	,	PUNCT
fsr-3908	1	40	box	box	PROPN
fsr-3908	1	41	870224	870224	NUM
fsr-3908	1	42	,	,	PUNCT
fsr-3908	1	43	tuscaloosa	tuscaloosa	PROPN
fsr-3908	1	44	,	,	PUNCT
fsr-3908	1	45	al	al	PROPN
fsr-3908	1	46	35487	35487	NUM
fsr-3908	1	47	,	,	PUNCT
fsr-3908	1	48	usa	usa	PROPN
fsr-3908	1	49	abstract	abstract	PROPN
fsr-3908	1	50	to	to	PART
fsr-3908	1	51	understand	understand	VERB
fsr-3908	1	52	the	the	DET
fsr-3908	1	53	interaction	interaction	NOUN
fsr-3908	1	54	of	of	ADP
fsr-3908	1	55	savings	saving	NOUN
fsr-3908	1	56	behavior	behavior	NOUN
fsr-3908	1	57	,	,	PUNCT
fsr-3908	1	58	pension	pension	NOUN
fsr-3908	1	59	fund	fund	NOUN
fsr-3908	1	60	participation	participation	NOUN
fsr-3908	1	61	and	and	CCONJ
fsr-3908	1	62	expectations	expectation	NOUN
fsr-3908	1	63	of	of	ADP
fsr-3908	1	64	retirement	retirement	NOUN
fsr-3908	1	65	well	well	ADV
fsr-3908	1	66	being	be	AUX
fsr-3908	1	67	,	,	PUNCT
fsr-3908	1	68	we	we	PRON
fsr-3908	1	69	ask	ask	VERB
fsr-3908	1	70	two	two	NUM
fsr-3908	1	71	questions	question	NOUN
fsr-3908	1	72	.	.	PUNCT
fsr-3908	2	1	are	be	AUX
fsr-3908	2	2	expected	expect	VERB
fsr-3908	2	3	pension	pension	NOUN
fsr-3908	2	4	benefits	benefit	NOUN
fsr-3908	2	5	a	a	DET
fsr-3908	2	6	substitute	substitute	NOUN
fsr-3908	2	7	for	for	ADP
fsr-3908	2	8	accumulated	accumulate	VERB
fsr-3908	2	9	savings	saving	NOUN
fsr-3908	2	10	in	in	ADP
fsr-3908	2	11	replacing	replace	VERB
fsr-3908	2	12	preretirement	preretirement	ADJ
fsr-3908	2	13	income	income	NOUN
fsr-3908	2	14	?	?	PUNCT
fsr-3908	3	1	are	be	AUX
fsr-3908	3	2	individuals	individual	NOUN
fsr-3908	3	3	’	'	PUNCT
fsr-3908	3	4	expectations	expectation	NOUN
fsr-3908	3	5	concerning	concern	VERB
fsr-3908	3	6	their	their	PRON
fsr-3908	3	7	retirement	retirement	NOUN
fsr-3908	3	8	standard	standard	NOUN
fsr-3908	3	9	of	of	ADP
fsr-3908	3	10	living	living	NOUN
fsr-3908	3	11	realistic	realistic	ADJ
fsr-3908	3	12	based	base	VERB
fsr-3908	3	13	on	on	ADP
fsr-3908	3	14	their	their	PRON
fsr-3908	3	15	accumulated	accumulate	VERB
fsr-3908	3	16	savings	saving	NOUN
fsr-3908	3	17	and	and	CCONJ
fsr-3908	3	18	pension	pension	NOUN
fsr-3908	3	19	plan	plan	NOUN
fsr-3908	3	20	participation	participation	NOUN
fsr-3908	3	21	?	?	PUNCT
fsr-3908	4	1	first	first	ADJ
fsr-3908	4	2	-	-	PUNCT
fsr-3908	4	3	wave	wave	NOUN
fsr-3908	4	4	data	datum	NOUN
fsr-3908	4	5	from	from	ADP
fsr-3908	4	6	the	the	DET
fsr-3908	4	7	health	health	NOUN
fsr-3908	4	8	and	and	CCONJ
fsr-3908	4	9	retirement	retirement	NOUN
fsr-3908	4	10	study	study	NOUN
fsr-3908	4	11	(	(	PUNCT
fsr-3908	4	12	hrs	hrs	NOUN
fsr-3908	4	13	)	)	PUNCT
fsr-3908	4	14	are	be	AUX
fsr-3908	4	15	analyzed	analyze	VERB
fsr-3908	4	16	using	use	VERB
fsr-3908	4	17	a	a	DET
fsr-3908	4	18	probit	probit	NOUN
fsr-3908	4	19	regression	regression	NOUN
fsr-3908	4	20	.	.	PUNCT
fsr-3908	5	1	the	the	DET
fsr-3908	5	2	results	result	NOUN
fsr-3908	5	3	are	be	AUX
fsr-3908	5	4	consistent	consistent	ADJ
fsr-3908	5	5	with	with	ADP
fsr-3908	5	6	the	the	DET
fsr-3908	5	7	idea	idea	NOUN
fsr-3908	5	8	that	that	SCONJ
fsr-3908	5	9	pension	pension	NOUN
fsr-3908	5	10	benefits	benefit	NOUN
fsr-3908	5	11	are	be	AUX
fsr-3908	5	12	substitutes	substitute	NOUN
fsr-3908	5	13	for	for	ADP
fsr-3908	5	14	saving	save	VERB
fsr-3908	5	15	and	and	CCONJ
fsr-3908	5	16	that	that	SCONJ
fsr-3908	5	17	accumulated	accumulate	VERB
fsr-3908	5	18	savings	saving	NOUN
fsr-3908	5	19	have	have	VERB
fsr-3908	5	20	a	a	DET
fsr-3908	5	21	significant	significant	ADJ
fsr-3908	5	22	impact	impact	NOUN
fsr-3908	5	23	on	on	ADP
fsr-3908	5	24	the	the	DET
fsr-3908	5	25	expected	expect	VERB
fsr-3908	5	26	standard	standard	NOUN
fsr-3908	5	27	of	of	ADP
fsr-3908	5	28	living	living	NOUN
fsr-3908	5	29	but	but	CCONJ
fsr-3908	5	30	pension	pension	NOUN
fsr-3908	5	31	plan	plan	NOUN
fsr-3908	5	32	participation	participation	NOUN
fsr-3908	5	33	does	do	VERB
fsr-3908	5	34	not	not	PART
fsr-3908	5	35	.	.	PUNCT
fsr-3908	6	1	©	©	ADP
fsr-3908	6	2	2000	2000	NUM
fsr-3908	6	3	elsevier	elsevier	PROPN
fsr-3908	6	4	science	science	PROPN
fsr-3908	6	5	inc	inc	PROPN
fsr-3908	6	6	.	.	PUNCT
fsr-3908	7	1	all	all	DET
fsr-3908	7	2	rights	right	NOUN
fsr-3908	7	3	reserved	reserve	VERB
fsr-3908	7	4	.	.	PUNCT
fsr-3908	8	1	jel	jel	PROPN
fsr-3908	8	2	classification	classification	PROPN
fsr-3908	8	3	:	:	PUNCT
fsr-3908	8	4	j14	j14	PROPN
fsr-3908	8	5	;	;	PUNCT
fsr-3908	8	6	d1	d1	NOUN
fsr-3908	8	7	;	;	PUNCT
fsr-3908	8	8	e21	e21	NUM
fsr-3908	8	9	keywords	keyword	NOUN
fsr-3908	8	10	:	:	PUNCT
fsr-3908	8	11	savings	saving	NOUN
fsr-3908	8	12	;	;	PUNCT
fsr-3908	8	13	consumption	consumption	NOUN
fsr-3908	8	14	;	;	PUNCT
fsr-3908	8	15	pensions	pension	NOUN
fsr-3908	8	16	1	1	NUM
fsr-3908	8	17	.	.	PUNCT
fsr-3908	8	18	introduction	introduction	NOUN
fsr-3908	8	19	survey	survey	NOUN
fsr-3908	8	20	data	datum	NOUN
fsr-3908	8	21	as	as	ADV
fsr-3908	8	22	well	well	ADV
fsr-3908	8	23	as	as	ADP
fsr-3908	8	24	anecdotal	anecdotal	ADJ
fsr-3908	8	25	evidence	evidence	NOUN
fsr-3908	8	26	indicate	indicate	VERB
fsr-3908	8	27	the	the	DET
fsr-3908	8	28	existence	existence	NOUN
fsr-3908	8	29	of	of	ADP
fsr-3908	8	30	a	a	DET
fsr-3908	8	31	significant	significant	ADJ
fsr-3908	8	32	discrepancy	discrepancy	NOUN
fsr-3908	8	33	between	between	ADP
fsr-3908	8	34	the	the	DET
fsr-3908	8	35	expectations	expectation	NOUN
fsr-3908	8	36	of	of	ADP
fsr-3908	8	37	economic	economic	ADJ
fsr-3908	8	38	well	well	NOUN
fsr-3908	8	39	being	be	AUX
fsr-3908	8	40	in	in	ADP
fsr-3908	8	41	retirement	retirement	NOUN
fsr-3908	8	42	and	and	CCONJ
fsr-3908	8	43	the	the	DET
fsr-3908	8	44	savings	saving	NOUN
fsr-3908	8	45	behavior	behavior	NOUN
fsr-3908	8	46	of	of	ADP
fsr-3908	8	47	americans	americans	PROPN
fsr-3908	8	48	.	.	PUNCT
fsr-3908	9	1	the	the	DET
fsr-3908	9	2	ability	ability	NOUN
fsr-3908	9	3	of	of	ADP
fsr-3908	9	4	a	a	DET
fsr-3908	9	5	retiree	retiree	NOUN
fsr-3908	9	6	to	to	PART
fsr-3908	9	7	maintain	maintain	VERB
fsr-3908	9	8	his	his	PRON
fsr-3908	9	9	preretirement	preretirement	ADJ
fsr-3908	9	10	standard	standard	NOUN
fsr-3908	9	11	of	of	ADP
fsr-3908	9	12	living	living	NOUN
fsr-3908	9	13	depends	depend	VERB
fsr-3908	9	14	on	on	ADP
fsr-3908	9	15	his	his	PRON
fsr-3908	9	16	ability	ability	NOUN
fsr-3908	9	17	to	to	PART
fsr-3908	9	18	replace	replace	VERB
fsr-3908	9	19	preretirement	preretirement	ADJ
fsr-3908	9	20	income	income	NOUN
fsr-3908	9	21	from	from	ADP
fsr-3908	9	22	a	a	DET
fsr-3908	9	23	combination	combination	NOUN
fsr-3908	9	24	of	of	ADP
fsr-3908	9	25	social	social	ADJ
fsr-3908	9	26	security	security	NOUN
fsr-3908	9	27	,	,	PUNCT
fsr-3908	9	28	private	private	ADJ
fsr-3908	9	29	retirement	retirement	NOUN
fsr-3908	9	30	benefits	benefit	NOUN
fsr-3908	9	31	and	and	CCONJ
fsr-3908	9	32	income	income	NOUN
fsr-3908	9	33	from	from	ADP
fsr-3908	9	34	investments	investment	NOUN
fsr-3908	9	35	.	.	PUNCT
fsr-3908	10	1	social	social	ADJ
fsr-3908	10	2	security	security	NOUN
fsr-3908	10	3	benefits	benefit	NOUN
fsr-3908	10	4	serve	serve	VERB
fsr-3908	10	5	as	as	ADP
fsr-3908	10	6	the	the	DET
fsr-3908	10	7	*	*	PUNCT
fsr-3908	10	8	corresponding	correspond	VERB
fsr-3908	10	9	author	author	NOUN
fsr-3908	10	10	.	.	PUNCT
fsr-3908	11	1	tel.:11	tel.:11	PROPN
fsr-3908	11	2	-	-	PUNCT
fsr-3908	11	3	205	205	NUM
fsr-3908	11	4	-	-	PUNCT
fsr-3908	11	5	348	348	NUM
fsr-3908	11	6	-	-	PUNCT
fsr-3908	11	7	8976	8976	NUM
fsr-3908	11	8	;	;	PUNCT
fsr-3908	11	9	fax:11	fax:11	NOUN
fsr-3908	11	10	-	-	PUNCT
fsr-3908	11	11	205	205	NUM
fsr-3908	11	12	-	-	PUNCT
fsr-3908	11	13	348	348	NUM
fsr-3908	11	14	-	-	PUNCT
fsr-3908	11	15	0590	0590	NUM
fsr-3908	11	16	.	.	PUNCT
fsr-3908	12	1	e	e	X
fsr-3908	12	2	-	-	NOUN
fsr-3908	12	3	mail	mail	NOUN
fsr-3908	12	4	address:helder@cba.ua.edu	address:helder@cba.ua.edu	SYM
fsr-3908	12	5	(	(	PUNCT
fsr-3908	12	6	h.w	h.w	PROPN
fsr-3908	12	7	.	.	PROPN
fsr-3908	12	8	elder	elder	PROPN
fsr-3908	12	9	)	)	PUNCT
fsr-3908	12	10	.	.	PUNCT
fsr-3908	13	1	financial	financial	ADJ
fsr-3908	13	2	services	service	NOUN
fsr-3908	13	3	review	review	VERB
fsr-3908	13	4	9	9	NUM
fsr-3908	13	5	(	(	PUNCT
fsr-3908	13	6	2000	2000	NUM
fsr-3908	13	7	)	)	PUNCT
fsr-3908	14	1	33–45	33–45	NUM
fsr-3908	14	2	1057	1057	NUM
fsr-3908	14	3	-	-	SYM
fsr-3908	14	4	0810/00/$	0810/00/$	NUM
fsr-3908	14	5	–	–	PUNCT
fsr-3908	14	6	see	see	VERB
fsr-3908	14	7	front	front	ADJ
fsr-3908	14	8	matter	matter	NOUN
fsr-3908	14	9	©	©	PROPN
fsr-3908	14	10	2000	2000	NUM
fsr-3908	14	11	elsevier	elsevier	PROPN
fsr-3908	14	12	science	science	PROPN
fsr-3908	14	13	inc	inc	PROPN
fsr-3908	14	14	.	.	PUNCT
fsr-3908	15	1	all	all	DET
fsr-3908	15	2	rights	right	NOUN
fsr-3908	15	3	reserved	reserve	VERB
fsr-3908	15	4	.	.	PUNCT
fsr-3908	16	1	pii	pii	NOUN
fsr-3908	16	2	:	:	PUNCT
fsr-3908	16	3	s1057	s1057	NOUN
fsr-3908	16	4	-	-	PUNCT
fsr-3908	16	5	0810(00)00054	0810(00)00054	NUM
fsr-3908	16	6	-	-	PUNCT
fsr-3908	16	7	8	8	NUM
fsr-3908	16	8	primary	primary	ADJ
fsr-3908	16	9	source	source	NOUN
fsr-3908	16	10	of	of	ADP
fsr-3908	16	11	retirement	retirement	NOUN
fsr-3908	16	12	income	income	NOUN
fsr-3908	16	13	for	for	ADP
fsr-3908	16	14	many	many	ADJ
fsr-3908	16	15	,	,	PUNCT
fsr-3908	16	16	but	but	CCONJ
fsr-3908	16	17	for	for	ADP
fsr-3908	16	18	most	most	ADV
fsr-3908	16	19	—	—	PUNCT
fsr-3908	16	20	especially	especially	ADV
fsr-3908	16	21	higher	high	ADJ
fsr-3908	16	22	income	income	NOUN
fsr-3908	16	23	individuals	individual	NOUN
fsr-3908	16	24	—	—	PUNCT
fsr-3908	16	25	those	those	DET
fsr-3908	16	26	benefits	benefit	NOUN
fsr-3908	16	27	do	do	AUX
fsr-3908	16	28	not	not	PART
fsr-3908	16	29	provide	provide	VERB
fsr-3908	16	30	sufficient	sufficient	ADJ
fsr-3908	16	31	income	income	NOUN
fsr-3908	16	32	to	to	PART
fsr-3908	16	33	maintain	maintain	VERB
fsr-3908	16	34	the	the	DET
fsr-3908	16	35	preretirement	preretirement	ADJ
fsr-3908	16	36	standard	standard	NOUN
fsr-3908	16	37	of	of	ADP
fsr-3908	16	38	living	living	NOUN
fsr-3908	16	39	.	.	PUNCT
fsr-3908	17	1	income	income	NOUN
fsr-3908	17	2	from	from	ADP
fsr-3908	17	3	accumulated	accumulate	VERB
fsr-3908	17	4	savings	saving	NOUN
fsr-3908	17	5	,	,	PUNCT
fsr-3908	17	6	liquidation	liquidation	NOUN
fsr-3908	17	7	of	of	ADP
fsr-3908	17	8	capital	capital	NOUN
fsr-3908	17	9	and	and	CCONJ
fsr-3908	17	10	private	private	ADJ
fsr-3908	17	11	pension	pension	NOUN
fsr-3908	17	12	benefits	benefit	NOUN
fsr-3908	17	13	must	must	AUX
fsr-3908	17	14	fill	fill	VERB
fsr-3908	17	15	the	the	DET
fsr-3908	17	16	gap	gap	NOUN
fsr-3908	17	17	.	.	PUNCT
fsr-3908	18	1	the	the	DET
fsr-3908	18	2	divergence	divergence	NOUN
fsr-3908	18	3	of	of	ADP
fsr-3908	18	4	individual	individual	ADJ
fsr-3908	18	5	expectations	expectation	NOUN
fsr-3908	18	6	and	and	CCONJ
fsr-3908	18	7	the	the	DET
fsr-3908	18	8	level	level	NOUN
fsr-3908	18	9	of	of	ADP
fsr-3908	18	10	accumulated	accumulate	VERB
fsr-3908	18	11	savings	saving	NOUN
fsr-3908	18	12	has	have	VERB
fsr-3908	18	13	at	at	ADV
fsr-3908	18	14	least	least	ADV
fsr-3908	18	15	two	two	NUM
fsr-3908	18	16	potential	potential	ADJ
fsr-3908	18	17	sources	source	NOUN
fsr-3908	18	18	.	.	PUNCT
fsr-3908	19	1	the	the	DET
fsr-3908	19	2	first	first	ADJ
fsr-3908	19	3	is	be	AUX
fsr-3908	19	4	that	that	SCONJ
fsr-3908	19	5	people	people	NOUN
fsr-3908	19	6	do	do	AUX
fsr-3908	19	7	not	not	PART
fsr-3908	19	8	perceive	perceive	VERB
fsr-3908	19	9	the	the	DET
fsr-3908	19	10	need	need	NOUN
fsr-3908	19	11	to	to	PART
fsr-3908	19	12	accumulate	accumulate	VERB
fsr-3908	19	13	savings	saving	NOUN
fsr-3908	19	14	,	,	PUNCT
fsr-3908	19	15	because	because	SCONJ
fsr-3908	19	16	they	they	PRON
fsr-3908	19	17	expect	expect	VERB
fsr-3908	19	18	pension	pension	NOUN
fsr-3908	19	19	benefits	benefit	NOUN
fsr-3908	19	20	to	to	PART
fsr-3908	19	21	“	"	PUNCT
fsr-3908	19	22	fill	fill	VERB
fsr-3908	19	23	the	the	DET
fsr-3908	19	24	gap	gap	NOUN
fsr-3908	19	25	.	.	PUNCT
fsr-3908	19	26	”	"	PUNCT
fsr-3908	20	1	the	the	DET
fsr-3908	20	2	second	second	ADJ
fsr-3908	20	3	is	be	AUX
fsr-3908	20	4	that	that	SCONJ
fsr-3908	20	5	people	people	NOUN
fsr-3908	20	6	have	have	VERB
fsr-3908	20	7	unrealistic	unrealistic	ADJ
fsr-3908	20	8	expectations	expectation	NOUN
fsr-3908	20	9	concerning	concern	VERB
fsr-3908	20	10	their	their	PRON
fsr-3908	20	11	likely	likely	ADJ
fsr-3908	20	12	standard	standard	NOUN
fsr-3908	20	13	of	of	ADP
fsr-3908	20	14	living	live	VERB
fsr-3908	20	15	in	in	ADP
fsr-3908	20	16	retirement	retirement	NOUN
fsr-3908	20	17	.	.	PUNCT
fsr-3908	21	1	in	in	ADP
fsr-3908	21	2	this	this	DET
fsr-3908	21	3	paper	paper	NOUN
fsr-3908	21	4	,	,	PUNCT
fsr-3908	21	5	data	datum	NOUN
fsr-3908	21	6	from	from	ADP
fsr-3908	21	7	the	the	DET
fsr-3908	21	8	first	first	ADJ
fsr-3908	21	9	wave	wave	NOUN
fsr-3908	21	10	of	of	ADP
fsr-3908	21	11	the	the	DET
fsr-3908	21	12	health	health	NOUN
fsr-3908	21	13	and	and	CCONJ
fsr-3908	21	14	retirement	retirement	NOUN
fsr-3908	21	15	study	study	NOUN
fsr-3908	21	16	(	(	PUNCT
fsr-3908	21	17	hrs	hrs	NOUN
fsr-3908	21	18	)	)	PUNCT
fsr-3908	21	19	are	be	AUX
fsr-3908	21	20	used	use	VERB
fsr-3908	21	21	to	to	PART
fsr-3908	21	22	analyze	analyze	VERB
fsr-3908	21	23	savings	saving	NOUN
fsr-3908	21	24	behavior	behavior	NOUN
fsr-3908	21	25	and	and	CCONJ
fsr-3908	21	26	the	the	DET
fsr-3908	21	27	formulation	formulation	NOUN
fsr-3908	21	28	of	of	ADP
fsr-3908	21	29	expectations	expectation	NOUN
fsr-3908	21	30	concerning	concern	VERB
fsr-3908	21	31	retirement	retirement	NOUN
fsr-3908	21	32	well	well	ADV
fsr-3908	21	33	being	being	NOUN
fsr-3908	21	34	.	.	PUNCT
fsr-3908	22	1	the	the	DET
fsr-3908	22	2	hrs	hrs	NOUN
fsr-3908	22	3	is	be	AUX
fsr-3908	22	4	an	an	DET
fsr-3908	22	5	excellent	excellent	ADJ
fsr-3908	22	6	resource	resource	NOUN
fsr-3908	22	7	for	for	ADP
fsr-3908	22	8	the	the	DET
fsr-3908	22	9	examination	examination	NOUN
fsr-3908	22	10	of	of	ADP
fsr-3908	22	11	these	these	DET
fsr-3908	22	12	issues	issue	NOUN
fsr-3908	22	13	,	,	PUNCT
fsr-3908	22	14	since	since	SCONJ
fsr-3908	22	15	it	it	PRON
fsr-3908	22	16	is	be	AUX
fsr-3908	22	17	a	a	DET
fsr-3908	22	18	longitudinal	longitudinal	ADJ
fsr-3908	22	19	database	database	NOUN
fsr-3908	22	20	of	of	ADP
fsr-3908	22	21	households	household	NOUN
fsr-3908	22	22	in	in	ADP
fsr-3908	22	23	which	which	PRON
fsr-3908	22	24	at	at	ADP
fsr-3908	22	25	least	least	ADV
fsr-3908	22	26	one	one	NUM
fsr-3908	22	27	member	member	NOUN
fsr-3908	22	28	was	be	AUX
fsr-3908	22	29	age	age	NOUN
fsr-3908	22	30	51	51	NUM
fsr-3908	22	31	to	to	ADP
fsr-3908	22	32	61	61	NUM
fsr-3908	22	33	at	at	ADP
fsr-3908	22	34	the	the	DET
fsr-3908	22	35	time	time	NOUN
fsr-3908	22	36	of	of	ADP
fsr-3908	22	37	the	the	DET
fsr-3908	22	38	start	start	NOUN
fsr-3908	22	39	of	of	ADP
fsr-3908	22	40	the	the	DET
fsr-3908	22	41	survey	survey	NOUN
fsr-3908	22	42	(	(	PUNCT
fsr-3908	22	43	1992	1992	NUM
fsr-3908	22	44	)	)	PUNCT
fsr-3908	22	45	.	.	PUNCT
fsr-3908	23	1	the	the	DET
fsr-3908	23	2	data	datum	NOUN
fsr-3908	23	3	contained	contain	VERB
fsr-3908	23	4	in	in	ADP
fsr-3908	23	5	the	the	DET
fsr-3908	23	6	survey	survey	NOUN
fsr-3908	23	7	include	include	VERB
fsr-3908	23	8	information	information	NOUN
fsr-3908	23	9	on	on	ADP
fsr-3908	23	10	economic	economic	ADJ
fsr-3908	23	11	and	and	CCONJ
fsr-3908	23	12	demographic	demographic	ADJ
fsr-3908	23	13	characteristics	characteristic	NOUN
fsr-3908	23	14	,	,	PUNCT
fsr-3908	23	15	as	as	ADV
fsr-3908	23	16	well	well	ADV
fsr-3908	23	17	as	as	ADP
fsr-3908	23	18	detailed	detailed	ADJ
fsr-3908	23	19	information	information	NOUN
fsr-3908	23	20	on	on	ADP
fsr-3908	23	21	individual	individual	ADJ
fsr-3908	23	22	health	health	NOUN
fsr-3908	23	23	and	and	CCONJ
fsr-3908	23	24	disabilities	disability	NOUN
fsr-3908	23	25	,	,	PUNCT
fsr-3908	23	26	employment	employment	NOUN
fsr-3908	23	27	history	history	NOUN
fsr-3908	23	28	,	,	PUNCT
fsr-3908	23	29	and	and	CCONJ
fsr-3908	23	30	retirement	retirement	NOUN
fsr-3908	23	31	plans	plan	NOUN
fsr-3908	23	32	,	,	PUNCT
fsr-3908	23	33	including	include	VERB
fsr-3908	23	34	the	the	DET
fsr-3908	23	35	individual	individual	NOUN
fsr-3908	23	36	’s	’s	PART
fsr-3908	23	37	expectations	expectation	NOUN
fsr-3908	23	38	about	about	ADP
fsr-3908	23	39	his	his	PRON
fsr-3908	23	40	standard	standard	NOUN
fsr-3908	23	41	of	of	ADP
fsr-3908	23	42	living	live	VERB
fsr-3908	23	43	in	in	ADP
fsr-3908	23	44	retirement	retirement	NOUN
fsr-3908	23	45	.	.	PUNCT
fsr-3908	24	1	the	the	DET
fsr-3908	24	2	first	first	ADJ
fsr-3908	24	3	section	section	NOUN
fsr-3908	24	4	of	of	ADP
fsr-3908	24	5	our	our	PRON
fsr-3908	24	6	analysis	analysis	NOUN
fsr-3908	24	7	focuses	focus	VERB
fsr-3908	24	8	on	on	ADP
fsr-3908	24	9	past	past	ADJ
fsr-3908	24	10	savings	saving	NOUN
fsr-3908	24	11	behavior	behavior	NOUN
fsr-3908	24	12	as	as	SCONJ
fsr-3908	24	13	reflected	reflect	VERB
fsr-3908	24	14	in	in	ADP
fsr-3908	24	15	accumulated	accumulate	VERB
fsr-3908	24	16	savings	saving	NOUN
fsr-3908	24	17	.	.	PUNCT
fsr-3908	25	1	if	if	SCONJ
fsr-3908	25	2	individuals	individual	NOUN
fsr-3908	25	3	use	use	VERB
fsr-3908	25	4	savings	saving	NOUN
fsr-3908	25	5	and	and	CCONJ
fsr-3908	25	6	pension	pension	NOUN
fsr-3908	25	7	participation	participation	NOUN
fsr-3908	25	8	as	as	ADP
fsr-3908	25	9	a	a	DET
fsr-3908	25	10	means	means	NOUN
fsr-3908	25	11	of	of	ADP
fsr-3908	25	12	smoothing	smooth	VERB
fsr-3908	25	13	consumption	consumption	NOUN
fsr-3908	25	14	over	over	ADP
fsr-3908	25	15	their	their	PRON
fsr-3908	25	16	lifetimes	lifetime	NOUN
fsr-3908	25	17	,	,	PUNCT
fsr-3908	25	18	then	then	ADV
fsr-3908	25	19	savings	saving	NOUN
fsr-3908	25	20	and	and	CCONJ
fsr-3908	25	21	pension	pension	NOUN
fsr-3908	25	22	participation	participation	NOUN
fsr-3908	25	23	may	may	AUX
fsr-3908	25	24	be	be	AUX
fsr-3908	25	25	substitutes	substitute	NOUN
fsr-3908	25	26	.	.	PUNCT
fsr-3908	26	1	we	we	PRON
fsr-3908	26	2	assess	assess	VERB
fsr-3908	26	3	the	the	DET
fsr-3908	26	4	impact	impact	NOUN
fsr-3908	26	5	on	on	ADP
fsr-3908	26	6	accumulated	accumulate	VERB
fsr-3908	26	7	savings	saving	NOUN
fsr-3908	26	8	of	of	ADP
fsr-3908	26	9	pension	pension	NOUN
fsr-3908	26	10	participation	participation	NOUN
fsr-3908	26	11	,	,	PUNCT
fsr-3908	26	12	as	as	ADV
fsr-3908	26	13	well	well	ADV
fsr-3908	26	14	as	as	ADP
fsr-3908	26	15	such	such	ADJ
fsr-3908	26	16	economic	economic	ADJ
fsr-3908	26	17	and	and	CCONJ
fsr-3908	26	18	demographic	demographic	ADJ
fsr-3908	26	19	characteristics	characteristic	NOUN
fsr-3908	26	20	as	as	ADP
fsr-3908	26	21	income	income	NOUN
fsr-3908	26	22	,	,	PUNCT
fsr-3908	26	23	occupation	occupation	NOUN
fsr-3908	26	24	,	,	PUNCT
fsr-3908	26	25	education	education	NOUN
fsr-3908	26	26	,	,	PUNCT
fsr-3908	26	27	race	race	NOUN
fsr-3908	26	28	,	,	PUNCT
fsr-3908	26	29	marital	marital	ADJ
fsr-3908	26	30	status	status	NOUN
fsr-3908	26	31	and	and	CCONJ
fsr-3908	26	32	number	number	NOUN
fsr-3908	26	33	of	of	ADP
fsr-3908	26	34	children	child	NOUN
fsr-3908	26	35	.	.	PUNCT
fsr-3908	27	1	the	the	DET
fsr-3908	27	2	second	second	ADJ
fsr-3908	27	3	section	section	NOUN
fsr-3908	27	4	of	of	ADP
fsr-3908	27	5	the	the	DET
fsr-3908	27	6	paper	paper	NOUN
fsr-3908	27	7	focuses	focus	VERB
fsr-3908	27	8	on	on	ADP
fsr-3908	27	9	whether	whether	SCONJ
fsr-3908	27	10	individuals	individual	NOUN
fsr-3908	27	11	have	have	AUX
fsr-3908	27	12	realistic	realistic	ADJ
fsr-3908	27	13	expectations	expectation	NOUN
fsr-3908	27	14	of	of	ADP
fsr-3908	27	15	their	their	PRON
fsr-3908	27	16	standard	standard	NOUN
fsr-3908	27	17	of	of	ADP
fsr-3908	27	18	living	live	VERB
fsr-3908	27	19	after	after	ADP
fsr-3908	27	20	retirement	retirement	NOUN
fsr-3908	27	21	.	.	PUNCT
fsr-3908	28	1	if	if	SCONJ
fsr-3908	28	2	individuals	individual	NOUN
fsr-3908	28	3	have	have	VERB
fsr-3908	28	4	realistic	realistic	ADJ
fsr-3908	28	5	expectations	expectation	NOUN
fsr-3908	28	6	of	of	ADP
fsr-3908	28	7	the	the	DET
fsr-3908	28	8	effect	effect	NOUN
fsr-3908	28	9	of	of	ADP
fsr-3908	28	10	retirement	retirement	NOUN
fsr-3908	28	11	on	on	ADP
fsr-3908	28	12	their	their	PRON
fsr-3908	28	13	standard	standard	NOUN
fsr-3908	28	14	of	of	ADP
fsr-3908	28	15	living	living	NOUN
fsr-3908	28	16	,	,	PUNCT
fsr-3908	28	17	then	then	ADV
fsr-3908	28	18	factors	factor	NOUN
fsr-3908	28	19	that	that	PRON
fsr-3908	28	20	affect	affect	VERB
fsr-3908	28	21	their	their	PRON
fsr-3908	28	22	ability	ability	NOUN
fsr-3908	28	23	to	to	PART
fsr-3908	28	24	replace	replace	VERB
fsr-3908	28	25	their	their	PRON
fsr-3908	28	26	preretirement	preretirement	ADJ
fsr-3908	28	27	income	income	NOUN
fsr-3908	28	28	should	should	AUX
fsr-3908	28	29	be	be	AUX
fsr-3908	28	30	systematically	systematically	ADV
fsr-3908	28	31	related	relate	VERB
fsr-3908	28	32	to	to	ADP
fsr-3908	28	33	their	their	PRON
fsr-3908	28	34	expectations	expectation	NOUN
fsr-3908	28	35	.	.	PUNCT
fsr-3908	29	1	the	the	DET
fsr-3908	29	2	impact	impact	NOUN
fsr-3908	29	3	of	of	ADP
fsr-3908	29	4	accumulated	accumulate	VERB
fsr-3908	29	5	savings	saving	NOUN
fsr-3908	29	6	and	and	CCONJ
fsr-3908	29	7	pension	pension	NOUN
fsr-3908	29	8	participation	participation	NOUN
fsr-3908	29	9	on	on	ADP
fsr-3908	29	10	the	the	DET
fsr-3908	29	11	individual	individual	NOUN
fsr-3908	29	12	’s	’s	PART
fsr-3908	29	13	expectations	expectation	NOUN
fsr-3908	29	14	is	be	AUX
fsr-3908	29	15	tested	test	VERB
fsr-3908	29	16	in	in	ADP
fsr-3908	29	17	an	an	DET
fsr-3908	29	18	ordered	order	VERB
fsr-3908	29	19	probit	probit	NOUN
fsr-3908	29	20	model	model	NOUN
fsr-3908	29	21	that	that	PRON
fsr-3908	29	22	includes	include	VERB
fsr-3908	29	23	demographic	demographic	ADJ
fsr-3908	29	24	characteristics	characteristic	NOUN
fsr-3908	29	25	.	.	PUNCT
fsr-3908	30	1	our	our	PRON
fsr-3908	30	2	results	result	NOUN
fsr-3908	30	3	are	be	AUX
fsr-3908	30	4	consistent	consistent	ADJ
fsr-3908	30	5	with	with	ADP
fsr-3908	30	6	the	the	DET
fsr-3908	30	7	notion	notion	NOUN
fsr-3908	30	8	that	that	SCONJ
fsr-3908	30	9	individuals	individual	NOUN
fsr-3908	30	10	view	view	VERB
fsr-3908	30	11	pension	pension	NOUN
fsr-3908	30	12	plan	plan	NOUN
fsr-3908	30	13	participation	participation	NOUN
fsr-3908	30	14	as	as	ADP
fsr-3908	30	15	an	an	DET
fsr-3908	30	16	alternative	alternative	NOUN
fsr-3908	30	17	to	to	ADP
fsr-3908	30	18	savings	saving	NOUN
fsr-3908	30	19	even	even	ADV
fsr-3908	30	20	when	when	SCONJ
fsr-3908	30	21	differences	difference	NOUN
fsr-3908	30	22	in	in	ADP
fsr-3908	30	23	income	income	NOUN
fsr-3908	30	24	,	,	PUNCT
fsr-3908	30	25	education	education	NOUN
fsr-3908	30	26	,	,	PUNCT
fsr-3908	30	27	gender	gender	NOUN
fsr-3908	30	28	,	,	PUNCT
fsr-3908	30	29	age	age	NOUN
fsr-3908	30	30	,	,	PUNCT
fsr-3908	30	31	number	number	NOUN
fsr-3908	30	32	of	of	ADP
fsr-3908	30	33	children	child	NOUN
fsr-3908	30	34	and	and	CCONJ
fsr-3908	30	35	health	health	NOUN
fsr-3908	30	36	are	be	AUX
fsr-3908	30	37	taken	take	VERB
fsr-3908	30	38	into	into	ADP
fsr-3908	30	39	account	account	NOUN
fsr-3908	30	40	.	.	PUNCT
fsr-3908	31	1	in	in	ADP
fsr-3908	31	2	forming	form	VERB
fsr-3908	31	3	their	their	PRON
fsr-3908	31	4	expectations	expectation	NOUN
fsr-3908	31	5	of	of	ADP
fsr-3908	31	6	retirement	retirement	NOUN
fsr-3908	31	7	well	well	ADV
fsr-3908	31	8	being	be	AUX
fsr-3908	31	9	,	,	PUNCT
fsr-3908	31	10	the	the	DET
fsr-3908	31	11	results	result	NOUN
fsr-3908	31	12	indicate	indicate	VERB
fsr-3908	31	13	that	that	SCONJ
fsr-3908	31	14	individuals	individual	NOUN
fsr-3908	31	15	do	do	AUX
fsr-3908	31	16	take	take	VERB
fsr-3908	31	17	into	into	ADP
fsr-3908	31	18	account	account	NOUN
fsr-3908	31	19	their	their	PRON
fsr-3908	31	20	own	own	ADJ
fsr-3908	31	21	levels	level	NOUN
fsr-3908	31	22	of	of	ADP
fsr-3908	31	23	accumulated	accumulate	VERB
fsr-3908	31	24	savings	saving	NOUN
fsr-3908	31	25	but	but	CCONJ
fsr-3908	31	26	do	do	AUX
fsr-3908	31	27	not	not	PART
fsr-3908	31	28	consider	consider	VERB
fsr-3908	31	29	pension	pension	NOUN
fsr-3908	31	30	plan	plan	NOUN
fsr-3908	31	31	participation	participation	NOUN
fsr-3908	31	32	.	.	PUNCT
fsr-3908	32	1	these	these	DET
fsr-3908	32	2	results	result	NOUN
fsr-3908	32	3	can	can	AUX
fsr-3908	32	4	potentially	potentially	ADV
fsr-3908	32	5	provide	provide	VERB
fsr-3908	32	6	useful	useful	ADJ
fsr-3908	32	7	information	information	NOUN
fsr-3908	32	8	about	about	ADP
fsr-3908	32	9	the	the	DET
fsr-3908	32	10	extent	extent	NOUN
fsr-3908	32	11	of	of	ADP
fsr-3908	32	12	the	the	DET
fsr-3908	32	13	divergence	divergence	NOUN
fsr-3908	32	14	between	between	ADP
fsr-3908	32	15	beliefs	belief	NOUN
fsr-3908	32	16	and	and	CCONJ
fsr-3908	32	17	actions	action	NOUN
fsr-3908	32	18	in	in	ADP
fsr-3908	32	19	savings	saving	NOUN
fsr-3908	32	20	decisions	decision	NOUN
fsr-3908	32	21	.	.	PUNCT
fsr-3908	33	1	it	it	PRON
fsr-3908	33	2	can	can	AUX
fsr-3908	33	3	also	also	ADV
fsr-3908	33	4	provide	provide	VERB
fsr-3908	33	5	insights	insight	NOUN
fsr-3908	33	6	as	as	ADP
fsr-3908	33	7	to	to	ADP
fsr-3908	33	8	the	the	DET
fsr-3908	33	9	impact	impact	NOUN
fsr-3908	33	10	of	of	ADP
fsr-3908	33	11	this	this	DET
fsr-3908	33	12	behavior	behavior	NOUN
fsr-3908	33	13	on	on	ADP
fsr-3908	33	14	the	the	DET
fsr-3908	33	15	economic	economic	ADJ
fsr-3908	33	16	status	status	NOUN
fsr-3908	33	17	of	of	ADP
fsr-3908	33	18	the	the	DET
fsr-3908	33	19	upcoming	upcoming	ADJ
fsr-3908	33	20	cohort	cohort	NOUN
fsr-3908	33	21	of	of	ADP
fsr-3908	33	22	older	old	ADJ
fsr-3908	33	23	americans	americans	PROPN
fsr-3908	33	24	.	.	PUNCT
fsr-3908	34	1	such	such	ADJ
fsr-3908	34	2	information	information	NOUN
fsr-3908	34	3	could	could	AUX
fsr-3908	34	4	play	play	VERB
fsr-3908	34	5	an	an	DET
fsr-3908	34	6	important	important	ADJ
fsr-3908	34	7	role	role	NOUN
fsr-3908	34	8	in	in	ADP
fsr-3908	34	9	public	public	ADJ
fsr-3908	34	10	policy	policy	NOUN
fsr-3908	34	11	making	making	NOUN
fsr-3908	34	12	,	,	PUNCT
fsr-3908	34	13	particularly	particularly	ADV
fsr-3908	34	14	as	as	SCONJ
fsr-3908	34	15	it	it	PRON
fsr-3908	34	16	relates	relate	VERB
fsr-3908	34	17	to	to	ADP
fsr-3908	34	18	the	the	DET
fsr-3908	34	19	proposals	proposal	NOUN
fsr-3908	34	20	to	to	PART
fsr-3908	34	21	reform	reform	VERB
fsr-3908	34	22	the	the	DET
fsr-3908	34	23	social	social	ADJ
fsr-3908	34	24	security	security	NOUN
fsr-3908	34	25	system	system	NOUN
fsr-3908	34	26	.	.	PUNCT
fsr-3908	35	1	2	2	X
fsr-3908	35	2	.	.	X
fsr-3908	35	3	the	the	DET
fsr-3908	35	4	analysis	analysis	NOUN
fsr-3908	35	5	of	of	ADP
fsr-3908	35	6	savings	saving	NOUN
fsr-3908	35	7	,	,	PUNCT
fsr-3908	35	8	consumption	consumption	NOUN
fsr-3908	35	9	and	and	CCONJ
fsr-3908	35	10	retirement	retirement	NOUN
fsr-3908	35	11	the	the	DET
fsr-3908	35	12	literature	literature	NOUN
fsr-3908	35	13	that	that	PRON
fsr-3908	35	14	addresses	address	VERB
fsr-3908	35	15	the	the	DET
fsr-3908	35	16	issues	issue	NOUN
fsr-3908	35	17	surrounding	surround	VERB
fsr-3908	35	18	savings	saving	NOUN
fsr-3908	35	19	and	and	CCONJ
fsr-3908	35	20	retirement	retirement	NOUN
fsr-3908	35	21	is	be	AUX
fsr-3908	35	22	vast	vast	ADJ
fsr-3908	35	23	.	.	PUNCT
fsr-3908	36	1	hurd	hurd	PROPN
fsr-3908	36	2	(	(	PUNCT
fsr-3908	36	3	1990	1990	NUM
fsr-3908	36	4	)	)	PUNCT
fsr-3908	36	5	and	and	CCONJ
fsr-3908	36	6	poterba	poterba	NOUN
fsr-3908	36	7	(	(	PUNCT
fsr-3908	36	8	1996	1996	NUM
fsr-3908	36	9	)	)	PUNCT
fsr-3908	36	10	provide	provide	VERB
fsr-3908	36	11	good	good	ADJ
fsr-3908	36	12	overviews	overview	NOUN
fsr-3908	36	13	of	of	ADP
fsr-3908	36	14	the	the	DET
fsr-3908	36	15	literature	literature	NOUN
fsr-3908	36	16	,	,	PUNCT
fsr-3908	36	17	along	along	ADP
fsr-3908	36	18	with	with	ADP
fsr-3908	36	19	insights	insight	NOUN
fsr-3908	36	20	into	into	ADP
fsr-3908	36	21	34	34	NUM
fsr-3908	36	22	h.w	h.w	PROPN
fsr-3908	36	23	.	.	PROPN
fsr-3908	36	24	elder	elder	PROPN
fsr-3908	36	25	,	,	PUNCT
fsr-3908	36	26	p.m.	p.m.	NOUN
fsr-3908	36	27	rudolph	rudolph	PROPN
fsr-3908	36	28	/	/	SYM
fsr-3908	36	29	financial	financial	ADJ
fsr-3908	36	30	services	service	NOUN
fsr-3908	36	31	review	review	VERB
fsr-3908	36	32	9	9	NUM
fsr-3908	36	33	(	(	PUNCT
fsr-3908	36	34	2000	2000	NUM
fsr-3908	36	35	)	)	PUNCT
fsr-3908	36	36	33–45	33–45	NUM
fsr-3908	36	37	the	the	DET
fsr-3908	36	38	direction	direction	NOUN
fsr-3908	36	39	of	of	ADP
fsr-3908	36	40	future	future	ADJ
fsr-3908	36	41	research	research	NOUN
fsr-3908	36	42	.	.	PUNCT
fsr-3908	37	1	some	some	DET
fsr-3908	37	2	researchers	researcher	NOUN
fsr-3908	37	3	like	like	ADP
fsr-3908	37	4	lazear	lazear	ADV
fsr-3908	37	5	(	(	PUNCT
fsr-3908	37	6	1994	1994	NUM
fsr-3908	37	7	)	)	PUNCT
fsr-3908	37	8	focus	focus	NOUN
fsr-3908	37	9	on	on	ADP
fsr-3908	37	10	the	the	DET
fsr-3908	37	11	level	level	NOUN
fsr-3908	37	12	of	of	ADP
fsr-3908	37	13	aggregate	aggregate	ADJ
fsr-3908	37	14	savings	saving	NOUN
fsr-3908	37	15	and	and	CCONJ
fsr-3908	37	16	the	the	DET
fsr-3908	37	17	potential	potential	ADJ
fsr-3908	37	18	impact	impact	NOUN
fsr-3908	37	19	on	on	ADP
fsr-3908	37	20	economic	economic	ADJ
fsr-3908	37	21	growth	growth	NOUN
fsr-3908	37	22	.	.	PUNCT
fsr-3908	38	1	others	other	NOUN
fsr-3908	38	2	,	,	PUNCT
fsr-3908	38	3	like	like	ADP
fsr-3908	38	4	cantor	cantor	NOUN
fsr-3908	38	5	and	and	CCONJ
fsr-3908	38	6	yuengert	yuengert	PROPN
fsr-3908	38	7	(	(	PUNCT
fsr-3908	38	8	1994	1994	NUM
fsr-3908	38	9	)	)	PUNCT
fsr-3908	38	10	,	,	PUNCT
fsr-3908	38	11	are	be	AUX
fsr-3908	38	12	more	more	ADV
fsr-3908	38	13	interested	interested	ADJ
fsr-3908	38	14	in	in	ADP
fsr-3908	38	15	the	the	DET
fsr-3908	38	16	adequacy	adequacy	NOUN
fsr-3908	38	17	of	of	ADP
fsr-3908	38	18	individuals	individual	NOUN
fsr-3908	38	19	’	'	PUNCT
fsr-3908	38	20	saving	save	VERB
fsr-3908	38	21	for	for	ADP
fsr-3908	38	22	retirement	retirement	NOUN
fsr-3908	38	23	.	.	PUNCT
fsr-3908	39	1	regardless	regardless	ADV
fsr-3908	39	2	of	of	ADP
fsr-3908	39	3	the	the	DET
fsr-3908	39	4	perspective	perspective	NOUN
fsr-3908	39	5	,	,	PUNCT
fsr-3908	39	6	most	most	ADJ
fsr-3908	39	7	of	of	ADP
fsr-3908	39	8	the	the	DET
fsr-3908	39	9	work	work	NOUN
fsr-3908	39	10	in	in	ADP
fsr-3908	39	11	this	this	DET
fsr-3908	39	12	area	area	NOUN
fsr-3908	39	13	has	have	VERB
fsr-3908	39	14	the	the	DET
fsr-3908	39	15	life	life	NOUN
fsr-3908	39	16	-	-	PUNCT
fsr-3908	39	17	cycle	cycle	NOUN
fsr-3908	39	18	theory	theory	NOUN
fsr-3908	39	19	of	of	ADP
fsr-3908	39	20	consumption	consumption	NOUN
fsr-3908	39	21	and	and	CCONJ
fsr-3908	39	22	savings	saving	NOUN
fsr-3908	39	23	as	as	ADP
fsr-3908	39	24	its	its	PRON
fsr-3908	39	25	theoretical	theoretical	ADJ
fsr-3908	39	26	foundation	foundation	NOUN
fsr-3908	39	27	.	.	PUNCT
fsr-3908	40	1	according	accord	VERB
fsr-3908	40	2	to	to	ADP
fsr-3908	40	3	the	the	DET
fsr-3908	40	4	life	life	NOUN
fsr-3908	40	5	-	-	PUNCT
fsr-3908	40	6	cycle	cycle	NOUN
fsr-3908	40	7	theory	theory	NOUN
fsr-3908	40	8	,	,	PUNCT
fsr-3908	40	9	individuals	individual	NOUN
fsr-3908	40	10	make	make	VERB
fsr-3908	40	11	decisions	decision	NOUN
fsr-3908	40	12	to	to	PART
fsr-3908	40	13	maximize	maximize	VERB
fsr-3908	40	14	lifetime	lifetime	NOUN
fsr-3908	40	15	utility	utility	NOUN
fsr-3908	40	16	.	.	PUNCT
fsr-3908	41	1	thus	thus	ADV
fsr-3908	41	2	,	,	PUNCT
fsr-3908	41	3	during	during	ADP
fsr-3908	41	4	years	year	NOUN
fsr-3908	41	5	when	when	SCONJ
fsr-3908	41	6	income	income	NOUN
fsr-3908	41	7	is	be	AUX
fsr-3908	41	8	earned	earn	VERB
fsr-3908	41	9	,	,	PUNCT
fsr-3908	41	10	savings	saving	NOUN
fsr-3908	41	11	decisions	decision	NOUN
fsr-3908	41	12	are	be	AUX
fsr-3908	41	13	made	make	VERB
fsr-3908	41	14	so	so	SCONJ
fsr-3908	41	15	that	that	PRON
fsr-3908	41	16	part	part	NOUN
fsr-3908	41	17	of	of	ADP
fsr-3908	41	18	the	the	DET
fsr-3908	41	19	income	income	NOUN
fsr-3908	41	20	can	can	AUX
fsr-3908	41	21	be	be	AUX
fsr-3908	41	22	consumed	consume	VERB
fsr-3908	41	23	after	after	ADP
fsr-3908	41	24	retirement	retirement	NOUN
fsr-3908	41	25	.	.	PUNCT
fsr-3908	42	1	the	the	DET
fsr-3908	42	2	main	main	ADJ
fsr-3908	42	3	goal	goal	NOUN
fsr-3908	42	4	of	of	ADP
fsr-3908	42	5	saving	saving	NOUN
fsr-3908	42	6	is	be	AUX
fsr-3908	42	7	to	to	PART
fsr-3908	42	8	smooth	smooth	VERB
fsr-3908	42	9	consumption	consumption	NOUN
fsr-3908	42	10	over	over	ADP
fsr-3908	42	11	the	the	DET
fsr-3908	42	12	lifetime	lifetime	NOUN
fsr-3908	42	13	.	.	PUNCT
fsr-3908	43	1	this	this	DET
fsr-3908	43	2	theory	theory	NOUN
fsr-3908	43	3	takes	take	VERB
fsr-3908	43	4	the	the	DET
fsr-3908	43	5	view	view	NOUN
fsr-3908	43	6	that	that	SCONJ
fsr-3908	43	7	individuals	individual	NOUN
fsr-3908	43	8	have	have	AUX
fsr-3908	43	9	foresight	foresight	NOUN
fsr-3908	43	10	and	and	CCONJ
fsr-3908	43	11	the	the	DET
fsr-3908	43	12	planning	planning	NOUN
fsr-3908	43	13	capability	capability	NOUN
fsr-3908	43	14	to	to	PART
fsr-3908	43	15	project	project	VERB
fsr-3908	43	16	future	future	ADJ
fsr-3908	43	17	income	income	NOUN
fsr-3908	43	18	streams	stream	NOUN
fsr-3908	43	19	,	,	PUNCT
fsr-3908	43	20	future	future	ADJ
fsr-3908	43	21	price	price	NOUN
fsr-3908	43	22	changes	change	NOUN
fsr-3908	43	23	,	,	PUNCT
fsr-3908	43	24	future	future	ADJ
fsr-3908	43	25	expected	expect	VERB
fsr-3908	43	26	returns	return	NOUN
fsr-3908	43	27	on	on	ADP
fsr-3908	43	28	investments	investment	NOUN
fsr-3908	43	29	,	,	PUNCT
fsr-3908	43	30	and	and	CCONJ
fsr-3908	43	31	to	to	PART
fsr-3908	43	32	make	make	VERB
fsr-3908	43	33	utility	utility	NOUN
fsr-3908	43	34	maximizing	maximizing	NOUN
fsr-3908	43	35	decisions	decision	NOUN
fsr-3908	43	36	.	.	PUNCT
fsr-3908	44	1	this	this	PRON
fsr-3908	44	2	leads	lead	VERB
fsr-3908	44	3	directly	directly	ADV
fsr-3908	44	4	to	to	ADP
fsr-3908	44	5	the	the	DET
fsr-3908	44	6	first	first	ADJ
fsr-3908	44	7	question	question	NOUN
fsr-3908	44	8	addressed	address	VERB
fsr-3908	44	9	in	in	ADP
fsr-3908	44	10	this	this	DET
fsr-3908	44	11	paper	paper	NOUN
fsr-3908	44	12	:	:	PUNCT
fsr-3908	44	13	are	be	AUX
fsr-3908	44	14	pension	pension	NOUN
fsr-3908	44	15	benefits	benefit	NOUN
fsr-3908	44	16	a	a	DET
fsr-3908	44	17	substitute	substitute	NOUN
fsr-3908	44	18	for	for	ADP
fsr-3908	44	19	accumulated	accumulate	VERB
fsr-3908	44	20	savings	saving	NOUN
fsr-3908	44	21	?	?	PUNCT
fsr-3908	45	1	because	because	SCONJ
fsr-3908	45	2	the	the	DET
fsr-3908	45	3	goal	goal	NOUN
fsr-3908	45	4	of	of	ADP
fsr-3908	45	5	saving	saving	NOUN
fsr-3908	45	6	is	be	AUX
fsr-3908	45	7	to	to	PART
fsr-3908	45	8	maintain	maintain	VERB
fsr-3908	45	9	the	the	DET
fsr-3908	45	10	preretirement	preretirement	ADJ
fsr-3908	45	11	standard	standard	NOUN
fsr-3908	45	12	of	of	ADP
fsr-3908	45	13	living	living	NOUN
fsr-3908	45	14	,	,	PUNCT
fsr-3908	45	15	many	many	ADJ
fsr-3908	45	16	researchers	researcher	NOUN
fsr-3908	45	17	focus	focus	VERB
fsr-3908	45	18	on	on	ADP
fsr-3908	45	19	the	the	DET
fsr-3908	45	20	replacement	replacement	NOUN
fsr-3908	45	21	ratio	ratio	NOUN
fsr-3908	45	22	,	,	PUNCT
fsr-3908	45	23	the	the	DET
fsr-3908	45	24	ratio	ratio	NOUN
fsr-3908	45	25	of	of	ADP
fsr-3908	45	26	postretirement	postretirement	ADJ
fsr-3908	45	27	income	income	NOUN
fsr-3908	45	28	to	to	ADP
fsr-3908	45	29	preretirement	preretirement	ADJ
fsr-3908	45	30	income	income	NOUN
fsr-3908	45	31	.	.	PUNCT
fsr-3908	46	1	retirement	retirement	NOUN
fsr-3908	46	2	income	income	NOUN
fsr-3908	46	3	is	be	AUX
fsr-3908	46	4	provided	provide	VERB
fsr-3908	46	5	by	by	ADP
fsr-3908	46	6	social	social	ADJ
fsr-3908	46	7	security	security	NOUN
fsr-3908	46	8	benefits	benefit	NOUN
fsr-3908	46	9	and	and	CCONJ
fsr-3908	46	10	pension	pension	NOUN
fsr-3908	46	11	benefits	benefit	NOUN
fsr-3908	46	12	as	as	ADV
fsr-3908	46	13	well	well	ADV
fsr-3908	46	14	as	as	ADP
fsr-3908	46	15	income	income	NOUN
fsr-3908	46	16	generated	generate	VERB
fsr-3908	46	17	by	by	ADP
fsr-3908	46	18	accumulated	accumulate	VERB
fsr-3908	46	19	saving	saving	NOUN
fsr-3908	46	20	.	.	PUNCT
fsr-3908	47	1	if	if	SCONJ
fsr-3908	47	2	the	the	DET
fsr-3908	47	3	individual	individual	ADJ
fsr-3908	47	4	approaches	approach	VERB
fsr-3908	47	5	retirement	retirement	NOUN
fsr-3908	47	6	with	with	ADP
fsr-3908	47	7	a	a	DET
fsr-3908	47	8	desired	desire	VERB
fsr-3908	47	9	replacement	replacement	NOUN
fsr-3908	47	10	ratio	ratio	NOUN
fsr-3908	47	11	,	,	PUNCT
fsr-3908	47	12	the	the	DET
fsr-3908	47	13	amount	amount	NOUN
fsr-3908	47	14	of	of	ADP
fsr-3908	47	15	saving	save	VERB
fsr-3908	47	16	she	she	PRON
fsr-3908	47	17	will	will	AUX
fsr-3908	47	18	need	need	VERB
fsr-3908	47	19	to	to	PART
fsr-3908	47	20	have	have	AUX
fsr-3908	47	21	accumulated	accumulate	VERB
fsr-3908	47	22	will	will	AUX
fsr-3908	47	23	be	be	AUX
fsr-3908	47	24	less	less	ADJ
fsr-3908	47	25	if	if	SCONJ
fsr-3908	47	26	pension	pension	NOUN
fsr-3908	47	27	benefits	benefit	NOUN
fsr-3908	47	28	will	will	AUX
fsr-3908	47	29	replace	replace	VERB
fsr-3908	47	30	part	part	NOUN
fsr-3908	47	31	of	of	ADP
fsr-3908	47	32	the	the	DET
fsr-3908	47	33	preretirement	preretirement	ADJ
fsr-3908	47	34	income	income	NOUN
fsr-3908	47	35	.	.	PUNCT
fsr-3908	48	1	to	to	PART
fsr-3908	48	2	attempt	attempt	VERB
fsr-3908	48	3	to	to	PART
fsr-3908	48	4	answer	answer	VERB
fsr-3908	48	5	this	this	DET
fsr-3908	48	6	question	question	NOUN
fsr-3908	48	7	,	,	PUNCT
fsr-3908	48	8	we	we	PRON
fsr-3908	48	9	look	look	VERB
fsr-3908	48	10	at	at	ADP
fsr-3908	48	11	the	the	DET
fsr-3908	48	12	impact	impact	NOUN
fsr-3908	48	13	of	of	ADP
fsr-3908	48	14	participating	participate	VERB
fsr-3908	48	15	in	in	ADP
fsr-3908	48	16	a	a	DET
fsr-3908	48	17	pension	pension	NOUN
fsr-3908	48	18	fund	fund	NOUN
fsr-3908	48	19	on	on	ADP
fsr-3908	48	20	the	the	DET
fsr-3908	48	21	level	level	NOUN
fsr-3908	48	22	of	of	ADP
fsr-3908	48	23	accumulated	accumulate	VERB
fsr-3908	48	24	savings	saving	NOUN
fsr-3908	48	25	.	.	PUNCT
fsr-3908	49	1	the	the	DET
fsr-3908	49	2	amount	amount	NOUN
fsr-3908	49	3	of	of	ADP
fsr-3908	49	4	savings	saving	NOUN
fsr-3908	49	5	necessary	necessary	ADJ
fsr-3908	49	6	to	to	PART
fsr-3908	49	7	replace	replace	VERB
fsr-3908	49	8	an	an	DET
fsr-3908	49	9	acceptable	acceptable	ADJ
fsr-3908	49	10	portion	portion	NOUN
fsr-3908	49	11	of	of	ADP
fsr-3908	49	12	income	income	NOUN
fsr-3908	49	13	will	will	AUX
fsr-3908	49	14	be	be	AUX
fsr-3908	49	15	related	relate	VERB
fsr-3908	49	16	to	to	ADP
fsr-3908	49	17	the	the	DET
fsr-3908	49	18	level	level	NOUN
fsr-3908	49	19	of	of	ADP
fsr-3908	49	20	income	income	NOUN
fsr-3908	49	21	,	,	PUNCT
fsr-3908	49	22	how	how	SCONJ
fsr-3908	49	23	much	much	ADJ
fsr-3908	49	24	income	income	NOUN
fsr-3908	49	25	will	will	AUX
fsr-3908	49	26	be	be	AUX
fsr-3908	49	27	replaced	replace	VERB
fsr-3908	49	28	by	by	ADP
fsr-3908	49	29	pension	pension	NOUN
fsr-3908	49	30	benefits	benefit	NOUN
fsr-3908	49	31	and	and	CCONJ
fsr-3908	49	32	the	the	DET
fsr-3908	49	33	time	time	NOUN
fsr-3908	49	34	remaining	remain	VERB
fsr-3908	49	35	to	to	PART
fsr-3908	49	36	save	save	VERB
fsr-3908	49	37	.	.	PUNCT
fsr-3908	50	1	demographic	demographic	ADJ
fsr-3908	50	2	and	and	CCONJ
fsr-3908	50	3	life	life	NOUN
fsr-3908	50	4	situation	situation	NOUN
fsr-3908	50	5	(	(	PUNCT
fsr-3908	50	6	marital	marital	ADJ
fsr-3908	50	7	status	status	NOUN
fsr-3908	50	8	,	,	PUNCT
fsr-3908	50	9	number	number	NOUN
fsr-3908	50	10	of	of	ADP
fsr-3908	50	11	children	child	NOUN
fsr-3908	50	12	and	and	CCONJ
fsr-3908	50	13	health	health	NOUN
fsr-3908	50	14	)	)	PUNCT
fsr-3908	50	15	may	may	AUX
fsr-3908	50	16	also	also	ADV
fsr-3908	50	17	be	be	AUX
fsr-3908	50	18	systematically	systematically	ADV
fsr-3908	50	19	related	relate	VERB
fsr-3908	50	20	to	to	ADP
fsr-3908	50	21	accumulated	accumulate	VERB
fsr-3908	50	22	savings	saving	NOUN
fsr-3908	50	23	.	.	PUNCT
fsr-3908	51	1	in	in	ADP
fsr-3908	51	2	the	the	DET
fsr-3908	51	3	second	second	ADJ
fsr-3908	51	4	part	part	NOUN
fsr-3908	51	5	of	of	ADP
fsr-3908	51	6	our	our	PRON
fsr-3908	51	7	analysis	analysis	NOUN
fsr-3908	51	8	,	,	PUNCT
fsr-3908	51	9	we	we	PRON
fsr-3908	51	10	address	address	VERB
fsr-3908	51	11	the	the	DET
fsr-3908	51	12	question	question	NOUN
fsr-3908	51	13	:	:	PUNCT
fsr-3908	51	14	do	do	AUX
fsr-3908	51	15	individuals	individual	NOUN
fsr-3908	51	16	have	have	VERB
fsr-3908	51	17	realistic	realistic	ADJ
fsr-3908	51	18	expectations	expectation	NOUN
fsr-3908	51	19	of	of	ADP
fsr-3908	51	20	their	their	PRON
fsr-3908	51	21	economic	economic	ADJ
fsr-3908	51	22	well	well	NOUN
fsr-3908	51	23	being	be	AUX
fsr-3908	51	24	in	in	ADP
fsr-3908	51	25	retirement	retirement	NOUN
fsr-3908	51	26	?	?	PUNCT
fsr-3908	52	1	two	two	NUM
fsr-3908	52	2	recent	recent	ADJ
fsr-3908	52	3	papers	paper	NOUN
fsr-3908	52	4	by	by	ADP
fsr-3908	52	5	banks	bank	NOUN
fsr-3908	52	6	,	,	PUNCT
fsr-3908	52	7	blundell	blundell	PROPN
fsr-3908	52	8	and	and	CCONJ
fsr-3908	52	9	tanner	tanner	NOUN
fsr-3908	52	10	(	(	PUNCT
fsr-3908	52	11	1998	1998	NUM
fsr-3908	52	12	)	)	PUNCT
fsr-3908	52	13	and	and	CCONJ
fsr-3908	52	14	bernheim	bernheim	NOUN
fsr-3908	52	15	,	,	PUNCT
fsr-3908	52	16	skinner	skinner	PROPN
fsr-3908	52	17	and	and	CCONJ
fsr-3908	52	18	weinberg	weinberg	PROPN
fsr-3908	52	19	(	(	PUNCT
fsr-3908	52	20	1997	1997	NUM
fsr-3908	52	21	)	)	PUNCT
fsr-3908	52	22	raise	raise	VERB
fsr-3908	52	23	questions	question	NOUN
fsr-3908	52	24	about	about	ADP
fsr-3908	52	25	how	how	SCONJ
fsr-3908	52	26	realistic	realistic	ADJ
fsr-3908	52	27	individuals	individual	NOUN
fsr-3908	52	28	are	be	AUX
fsr-3908	52	29	in	in	ADP
fsr-3908	52	30	the	the	DET
fsr-3908	52	31	formation	formation	NOUN
fsr-3908	52	32	of	of	ADP
fsr-3908	52	33	their	their	PRON
fsr-3908	52	34	expectations	expectation	NOUN
fsr-3908	52	35	.	.	PUNCT
fsr-3908	53	1	they	they	PRON
fsr-3908	53	2	consider	consider	VERB
fsr-3908	53	3	the	the	DET
fsr-3908	53	4	consumption	consumption	NOUN
fsr-3908	53	5	drop	drop	NOUN
fsr-3908	53	6	at	at	ADP
fsr-3908	53	7	retirement	retirement	NOUN
fsr-3908	53	8	as	as	ADP
fsr-3908	53	9	evidence	evidence	NOUN
fsr-3908	53	10	that	that	SCONJ
fsr-3908	53	11	the	the	DET
fsr-3908	53	12	individuals	individual	NOUN
fsr-3908	53	13	may	may	AUX
fsr-3908	53	14	not	not	PART
fsr-3908	53	15	be	be	AUX
fsr-3908	53	16	the	the	DET
fsr-3908	53	17	far	far	ADV
fsr-3908	53	18	-	-	PUNCT
fsr-3908	53	19	sighted	sighted	ADJ
fsr-3908	53	20	,	,	PUNCT
fsr-3908	53	21	utility	utility	NOUN
fsr-3908	53	22	maximizers	maximizer	NOUN
fsr-3908	53	23	represented	represent	VERB
fsr-3908	53	24	in	in	ADP
fsr-3908	53	25	the	the	DET
fsr-3908	53	26	life	life	NOUN
fsr-3908	53	27	-	-	PUNCT
fsr-3908	53	28	cycle	cycle	NOUN
fsr-3908	53	29	theory	theory	NOUN
fsr-3908	53	30	.	.	PUNCT
fsr-3908	54	1	banks	bank	NOUN
fsr-3908	54	2	,	,	PUNCT
fsr-3908	54	3	blundell	blundell	PROPN
fsr-3908	54	4	and	and	CCONJ
fsr-3908	54	5	turner	turner	PROPN
fsr-3908	54	6	explain	explain	VERB
fsr-3908	54	7	the	the	DET
fsr-3908	54	8	observed	observed	ADJ
fsr-3908	54	9	drop	drop	NOUN
fsr-3908	54	10	in	in	ADP
fsr-3908	54	11	consumption	consumption	NOUN
fsr-3908	54	12	in	in	ADP
fsr-3908	54	13	terms	term	NOUN
fsr-3908	54	14	of	of	ADP
fsr-3908	54	15	the	the	DET
fsr-3908	54	16	“	"	PUNCT
fsr-3908	54	17	systematic	systematic	ADJ
fsr-3908	54	18	arrival	arrival	NOUN
fsr-3908	54	19	of	of	ADP
fsr-3908	54	20	adverse	adverse	ADJ
fsr-3908	54	21	information	information	NOUN
fsr-3908	54	22	,	,	PUNCT
fsr-3908	54	23	”	"	PUNCT
fsr-3908	54	24	while	while	SCONJ
fsr-3908	54	25	bernheim	bernheim	NOUN
fsr-3908	54	26	,	,	PUNCT
fsr-3908	54	27	skinner	skinner	PROPN
fsr-3908	54	28	and	and	CCONJ
fsr-3908	54	29	weinberg	weinberg	PROPN
fsr-3908	54	30	write	write	VERB
fsr-3908	54	31	of	of	ADP
fsr-3908	54	32	a	a	DET
fsr-3908	54	33	“	"	PUNCT
fsr-3908	54	34	surprise	surprise	NOUN
fsr-3908	54	35	”	"	PUNCT
fsr-3908	54	36	at	at	ADP
fsr-3908	54	37	retirement	retirement	NOUN
fsr-3908	54	38	.	.	PUNCT
fsr-3908	55	1	either	either	DET
fsr-3908	55	2	explanation	explanation	NOUN
fsr-3908	55	3	would	would	AUX
fsr-3908	55	4	imply	imply	VERB
fsr-3908	55	5	that	that	SCONJ
fsr-3908	55	6	individuals	individual	NOUN
fsr-3908	55	7	’	'	PUNCT
fsr-3908	55	8	expectations	expectation	NOUN
fsr-3908	55	9	are	be	AUX
fsr-3908	55	10	not	not	PART
fsr-3908	55	11	realistic	realistic	ADJ
fsr-3908	55	12	.	.	PUNCT
fsr-3908	56	1	whether	whether	SCONJ
fsr-3908	56	2	an	an	DET
fsr-3908	56	3	individual	individual	NOUN
fsr-3908	56	4	expects	expect	VERB
fsr-3908	56	5	to	to	PART
fsr-3908	56	6	be	be	AUX
fsr-3908	56	7	better	well	ADJ
fsr-3908	56	8	off	off	ADV
fsr-3908	56	9	,	,	PUNCT
fsr-3908	56	10	the	the	DET
fsr-3908	56	11	same	same	ADJ
fsr-3908	56	12	,	,	PUNCT
fsr-3908	56	13	or	or	CCONJ
fsr-3908	56	14	worse	bad	ADJ
fsr-3908	56	15	off	off	ADP
fsr-3908	56	16	after	after	ADP
fsr-3908	56	17	retirement	retirement	NOUN
fsr-3908	56	18	should	should	AUX
fsr-3908	56	19	be	be	AUX
fsr-3908	56	20	based	base	VERB
fsr-3908	56	21	on	on	ADP
fsr-3908	56	22	his	his	PRON
fsr-3908	56	23	ability	ability	NOUN
fsr-3908	56	24	to	to	PART
fsr-3908	56	25	replace	replace	VERB
fsr-3908	56	26	preretirement	preretirement	ADJ
fsr-3908	56	27	income	income	NOUN
fsr-3908	56	28	and	and	CCONJ
fsr-3908	56	29	continue	continue	VERB
fsr-3908	56	30	preretirement	preretirement	ADJ
fsr-3908	56	31	levels	level	NOUN
fsr-3908	56	32	of	of	ADP
fsr-3908	56	33	consumption	consumption	NOUN
fsr-3908	56	34	.	.	PUNCT
fsr-3908	57	1	to	to	PART
fsr-3908	57	2	form	form	VERB
fsr-3908	57	3	realistic	realistic	ADJ
fsr-3908	57	4	expectations	expectation	NOUN
fsr-3908	57	5	,	,	PUNCT
fsr-3908	57	6	the	the	DET
fsr-3908	57	7	individual	individual	NOUN
fsr-3908	57	8	should	should	AUX
fsr-3908	57	9	consider	consider	VERB
fsr-3908	57	10	her	her	PRON
fsr-3908	57	11	claim	claim	NOUN
fsr-3908	57	12	on	on	ADP
fsr-3908	57	13	retirement	retirement	NOUN
fsr-3908	57	14	benefits	benefit	NOUN
fsr-3908	57	15	and	and	CCONJ
fsr-3908	57	16	accumulated	accumulate	VERB
fsr-3908	57	17	saving	saving	NOUN
fsr-3908	57	18	.	.	PUNCT
fsr-3908	58	1	these	these	DET
fsr-3908	58	2	variables	variable	NOUN
fsr-3908	58	3	along	along	ADP
fsr-3908	58	4	with	with	ADP
fsr-3908	58	5	demographic	demographic	ADJ
fsr-3908	58	6	and	and	CCONJ
fsr-3908	58	7	life	life	NOUN
fsr-3908	58	8	situation	situation	NOUN
fsr-3908	58	9	variables	variable	NOUN
fsr-3908	58	10	should	should	AUX
fsr-3908	58	11	have	have	VERB
fsr-3908	58	12	an	an	DET
fsr-3908	58	13	impact	impact	NOUN
fsr-3908	58	14	on	on	ADP
fsr-3908	58	15	the	the	DET
fsr-3908	58	16	expected	expect	VERB
fsr-3908	58	17	living	living	NOUN
fsr-3908	58	18	standard	standard	NOUN
fsr-3908	58	19	in	in	ADP
fsr-3908	58	20	retirement	retirement	NOUN
fsr-3908	58	21	.	.	PUNCT
fsr-3908	59	1	35h.w	35h.w	NUM
fsr-3908	59	2	.	.	PUNCT
fsr-3908	60	1	elder	elder	NOUN
fsr-3908	60	2	,	,	PUNCT
fsr-3908	60	3	p.m.	p.m.	NOUN
fsr-3908	60	4	rudolph	rudolph	PROPN
fsr-3908	60	5	/	/	SYM
fsr-3908	60	6	financial	financial	ADJ
fsr-3908	60	7	services	service	NOUN
fsr-3908	60	8	review	review	VERB
fsr-3908	60	9	9	9	NUM
fsr-3908	60	10	(	(	PUNCT
fsr-3908	60	11	2000	2000	NUM
fsr-3908	60	12	)	)	PUNCT
fsr-3908	61	1	33–45	33–45	NUM
fsr-3908	61	2	3	3	NUM
fsr-3908	61	3	.	.	PUNCT
fsr-3908	61	4	data	datum	NOUN
fsr-3908	61	5	and	and	CCONJ
fsr-3908	61	6	empirical	empirical	ADJ
fsr-3908	61	7	model	model	NOUN
fsr-3908	61	8	the	the	DET
fsr-3908	61	9	hrs	hrs	NOUN
fsr-3908	61	10	is	be	AUX
fsr-3908	61	11	a	a	DET
fsr-3908	61	12	survey	survey	NOUN
fsr-3908	61	13	specifically	specifically	ADV
fsr-3908	61	14	designed	design	VERB
fsr-3908	61	15	by	by	ADP
fsr-3908	61	16	an	an	DET
fsr-3908	61	17	interdisciplinary	interdisciplinary	ADJ
fsr-3908	61	18	panel	panel	NOUN
fsr-3908	61	19	to	to	PART
fsr-3908	61	20	gather	gather	VERB
fsr-3908	61	21	a	a	DET
fsr-3908	61	22	broad	broad	ADJ
fsr-3908	61	23	range	range	NOUN
fsr-3908	61	24	of	of	ADP
fsr-3908	61	25	information	information	NOUN
fsr-3908	61	26	pertinent	pertinent	ADJ
fsr-3908	61	27	to	to	ADP
fsr-3908	61	28	savings	saving	NOUN
fsr-3908	61	29	and	and	CCONJ
fsr-3908	61	30	retirement	retirement	NOUN
fsr-3908	61	31	decisions	decision	NOUN
fsr-3908	61	32	.	.	PUNCT
fsr-3908	62	1	the	the	DET
fsr-3908	62	2	national	national	PROPN
fsr-3908	62	3	institute	institute	PROPN
fsr-3908	62	4	on	on	ADP
fsr-3908	62	5	aging	age	VERB
fsr-3908	62	6	(	(	PUNCT
fsr-3908	62	7	nia	nia	PROPN
fsr-3908	62	8	)	)	PUNCT
fsr-3908	62	9	is	be	AUX
fsr-3908	62	10	the	the	DET
fsr-3908	62	11	sponsoring	sponsor	VERB
fsr-3908	62	12	organization	organization	NOUN
fsr-3908	62	13	and	and	CCONJ
fsr-3908	62	14	the	the	DET
fsr-3908	62	15	data	datum	NOUN
fsr-3908	62	16	are	be	AUX
fsr-3908	62	17	collected	collect	VERB
fsr-3908	62	18	by	by	ADP
fsr-3908	62	19	the	the	DET
fsr-3908	62	20	institute	institute	NOUN
fsr-3908	62	21	for	for	ADP
fsr-3908	62	22	social	social	ADJ
fsr-3908	62	23	research	research	NOUN
fsr-3908	62	24	at	at	ADP
fsr-3908	62	25	the	the	DET
fsr-3908	62	26	university	university	PROPN
fsr-3908	62	27	of	of	ADP
fsr-3908	62	28	michigan	michigan	PROPN
fsr-3908	62	29	.	.	PUNCT
fsr-3908	63	1	juster	just	ADJ
fsr-3908	63	2	and	and	CCONJ
fsr-3908	63	3	suzman	suzman	ADJ
fsr-3908	63	4	(	(	PUNCT
fsr-3908	63	5	1995	1995	NUM
fsr-3908	63	6	)	)	PUNCT
fsr-3908	63	7	provide	provide	VERB
fsr-3908	63	8	an	an	DET
fsr-3908	63	9	introduction	introduction	NOUN
fsr-3908	63	10	to	to	ADP
fsr-3908	63	11	the	the	DET
fsr-3908	63	12	data	datum	NOUN
fsr-3908	63	13	in	in	ADP
fsr-3908	63	14	a	a	DET
fsr-3908	63	15	supplemental	supplemental	ADJ
fsr-3908	63	16	issue	issue	NOUN
fsr-3908	63	17	of	of	ADP
fsr-3908	63	18	thejournal	thejournal	NOUN
fsr-3908	63	19	of	of	ADP
fsr-3908	63	20	human	human	ADJ
fsr-3908	63	21	resourcesthat	resourcesthat	NOUN
fsr-3908	63	22	is	be	AUX
fsr-3908	63	23	devoted	devote	VERB
fsr-3908	63	24	to	to	ADP
fsr-3908	63	25	the	the	DET
fsr-3908	63	26	hrs	hrs	NOUN
fsr-3908	63	27	.	.	PUNCT
fsr-3908	64	1	current	current	ADJ
fsr-3908	64	2	information	information	NOUN
fsr-3908	64	3	about	about	ADP
fsr-3908	64	4	the	the	DET
fsr-3908	64	5	data	data	NOUN
fsr-3908	64	6	collection	collection	NOUN
fsr-3908	64	7	process	process	NOUN
fsr-3908	64	8	and	and	CCONJ
fsr-3908	64	9	the	the	DET
fsr-3908	64	10	data	datum	NOUN
fsr-3908	64	11	itself	itself	PRON
fsr-3908	64	12	can	can	AUX
fsr-3908	64	13	be	be	AUX
fsr-3908	64	14	downloaded	download	VERB
fsr-3908	64	15	from	from	ADP
fsr-3908	64	16	the	the	DET
fsr-3908	64	17	institute	institute	NOUN
fsr-3908	64	18	for	for	ADP
fsr-3908	64	19	social	social	ADJ
fsr-3908	64	20	research	research	NOUN
fsr-3908	64	21	web	web	NOUN
fsr-3908	64	22	site	site	NOUN
fsr-3908	64	23	,	,	PUNCT
fsr-3908	64	24	http://www.umich.edu/	http://www.umich.edu/	NOUN
fsr-3908	64	25	;	;	PUNCT
fsr-3908	65	1	hrswww/.	hrswww/.	NOUN
fsr-3908	65	2	the	the	DET
fsr-3908	65	3	survey	survey	NOUN
fsr-3908	65	4	includes	include	VERB
fsr-3908	65	5	questions	question	NOUN
fsr-3908	65	6	on	on	ADP
fsr-3908	65	7	retirement	retirement	NOUN
fsr-3908	65	8	planning	planning	NOUN
fsr-3908	65	9	,	,	PUNCT
fsr-3908	65	10	pension	pension	NOUN
fsr-3908	65	11	participation	participation	NOUN
fsr-3908	65	12	,	,	PUNCT
fsr-3908	65	13	net	net	ADJ
fsr-3908	65	14	worth	worth	NOUN
fsr-3908	65	15	,	,	PUNCT
fsr-3908	65	16	income	income	NOUN
fsr-3908	65	17	and	and	CCONJ
fsr-3908	65	18	employment	employment	NOUN
fsr-3908	65	19	history	history	NOUN
fsr-3908	65	20	,	,	PUNCT
fsr-3908	65	21	as	as	ADV
fsr-3908	65	22	well	well	ADV
fsr-3908	65	23	as	as	ADP
fsr-3908	65	24	health	health	NOUN
fsr-3908	65	25	status	status	NOUN
fsr-3908	65	26	and	and	CCONJ
fsr-3908	65	27	familial	familial	ADJ
fsr-3908	65	28	relationships	relationship	NOUN
fsr-3908	65	29	.	.	PUNCT
fsr-3908	66	1	alternative	alternative	ADJ
fsr-3908	66	2	data	datum	NOUN
fsr-3908	66	3	sets	set	NOUN
fsr-3908	66	4	,	,	PUNCT
fsr-3908	66	5	such	such	ADJ
fsr-3908	66	6	as	as	ADP
fsr-3908	66	7	the	the	DET
fsr-3908	66	8	panel	panel	NOUN
fsr-3908	66	9	study	study	NOUN
fsr-3908	66	10	of	of	ADP
fsr-3908	66	11	income	income	NOUN
fsr-3908	66	12	dynamics	dynamic	NOUN
fsr-3908	66	13	and	and	CCONJ
fsr-3908	66	14	the	the	DET
fsr-3908	66	15	surveys	survey	NOUN
fsr-3908	66	16	of	of	ADP
fsr-3908	66	17	consumer	consumer	NOUN
fsr-3908	66	18	finances	finance	NOUN
fsr-3908	66	19	,	,	PUNCT
fsr-3908	66	20	were	be	AUX
fsr-3908	66	21	designed	design	VERB
fsr-3908	66	22	to	to	PART
fsr-3908	66	23	focus	focus	VERB
fsr-3908	66	24	on	on	ADP
fsr-3908	66	25	households	household	NOUN
fsr-3908	66	26	’	'	PUNCT
fsr-3908	66	27	economic	economic	ADJ
fsr-3908	66	28	decisions	decision	NOUN
fsr-3908	66	29	and	and	CCONJ
fsr-3908	66	30	,	,	PUNCT
fsr-3908	66	31	accordingly	accordingly	ADV
fsr-3908	66	32	,	,	PUNCT
fsr-3908	66	33	do	do	AUX
fsr-3908	66	34	not	not	PART
fsr-3908	66	35	include	include	VERB
fsr-3908	66	36	questions	question	NOUN
fsr-3908	66	37	about	about	ADP
fsr-3908	66	38	many	many	ADJ
fsr-3908	66	39	important	important	ADJ
fsr-3908	66	40	noneconomic	noneconomic	ADJ
fsr-3908	66	41	factors	factor	NOUN
fsr-3908	66	42	.	.	PUNCT
fsr-3908	67	1	in	in	ADP
fsr-3908	67	2	this	this	DET
fsr-3908	67	3	paper	paper	NOUN
fsr-3908	67	4	,	,	PUNCT
fsr-3908	67	5	the	the	DET
fsr-3908	67	6	first	first	ADJ
fsr-3908	67	7	wave	wave	NOUN
fsr-3908	67	8	of	of	ADP
fsr-3908	67	9	the	the	DET
fsr-3908	67	10	hrs	hrs	NOUN
fsr-3908	67	11	,	,	PUNCT
fsr-3908	67	12	collected	collect	VERB
fsr-3908	67	13	in	in	ADP
fsr-3908	67	14	march	march	PROPN
fsr-3908	67	15	1992	1992	NUM
fsr-3908	67	16	,	,	PUNCT
fsr-3908	67	17	is	be	AUX
fsr-3908	67	18	used	use	VERB
fsr-3908	67	19	.	.	PUNCT
fsr-3908	68	1	to	to	PART
fsr-3908	68	2	be	be	AUX
fsr-3908	68	3	age	age	NOUN
fsr-3908	68	4	-	-	PUNCT
fsr-3908	68	5	eligible	eligible	ADJ
fsr-3908	68	6	at	at	ADP
fsr-3908	68	7	that	that	DET
fsr-3908	68	8	time	time	NOUN
fsr-3908	68	9	a	a	DET
fsr-3908	68	10	person	person	NOUN
fsr-3908	68	11	had	have	VERB
fsr-3908	68	12	to	to	PART
fsr-3908	68	13	be	be	AUX
fsr-3908	68	14	between	between	ADP
fsr-3908	68	15	51	51	NUM
fsr-3908	68	16	and	and	CCONJ
fsr-3908	68	17	61	61	NUM
fsr-3908	68	18	years	year	NOUN
fsr-3908	68	19	of	of	ADP
fsr-3908	68	20	age	age	NOUN
fsr-3908	68	21	.	.	PUNCT
fsr-3908	69	1	partners	partner	NOUN
fsr-3908	69	2	were	be	AUX
fsr-3908	69	3	also	also	ADV
fsr-3908	69	4	interviewed	interview	VERB
fsr-3908	69	5	,	,	PUNCT
fsr-3908	69	6	so	so	SCONJ
fsr-3908	69	7	some	some	PRON
fsr-3908	69	8	of	of	ADP
fsr-3908	69	9	the	the	DET
fsr-3908	69	10	respondents	respondent	NOUN
fsr-3908	69	11	are	be	AUX
fsr-3908	69	12	not	not	PART
fsr-3908	69	13	“	"	PUNCT
fsr-3908	69	14	age	age	NOUN
fsr-3908	69	15	eligible	eligible	ADJ
fsr-3908	69	16	.	.	PUNCT
fsr-3908	69	17	”	"	PUNCT
fsr-3908	70	1	from	from	ADP
fsr-3908	70	2	the	the	DET
fsr-3908	70	3	12,652	12,652	NUM
fsr-3908	70	4	total	total	ADJ
fsr-3908	70	5	respondents	respondent	NOUN
fsr-3908	70	6	,	,	PUNCT
fsr-3908	70	7	5,600	5,600	NUM
fsr-3908	70	8	were	be	AUX
fsr-3908	70	9	age	age	NOUN
fsr-3908	70	10	-	-	PUNCT
fsr-3908	70	11	eligible	eligible	ADJ
fsr-3908	70	12	and	and	CCONJ
fsr-3908	70	13	answered	answer	VERB
fsr-3908	70	14	that	that	SCONJ
fsr-3908	70	15	they	they	PRON
fsr-3908	70	16	were	be	AUX
fsr-3908	70	17	“	"	PUNCT
fsr-3908	70	18	not	not	PART
fsr-3908	70	19	retired	retire	VERB
fsr-3908	70	20	at	at	ADV
fsr-3908	70	21	all	all	ADV
fsr-3908	70	22	.	.	PUNCT
fsr-3908	70	23	”	"	PUNCT
fsr-3908	71	1	of	of	ADP
fsr-3908	71	2	those	those	PRON
fsr-3908	71	3	,	,	PUNCT
fsr-3908	71	4	4,978	4,978	NUM
fsr-3908	71	5	had	have	VERB
fsr-3908	71	6	complete	complete	ADJ
fsr-3908	71	7	data	datum	NOUN
fsr-3908	71	8	and	and	CCONJ
fsr-3908	71	9	are	be	AUX
fsr-3908	71	10	included	include	VERB
fsr-3908	71	11	in	in	ADP
fsr-3908	71	12	our	our	PRON
fsr-3908	71	13	analysis	analysis	NOUN
fsr-3908	71	14	.	.	PUNCT
fsr-3908	72	1	the	the	DET
fsr-3908	72	2	subset	subset	NOUN
fsr-3908	72	3	of	of	ADP
fsr-3908	72	4	the	the	DET
fsr-3908	72	5	hrs	hrs	NOUN
fsr-3908	72	6	data	datum	NOUN
fsr-3908	72	7	used	use	VERB
fsr-3908	72	8	in	in	ADP
fsr-3908	72	9	our	our	PRON
fsr-3908	72	10	statistical	statistical	ADJ
fsr-3908	72	11	analysis	analysis	NOUN
fsr-3908	72	12	includes	include	VERB
fsr-3908	72	13	income	income	NOUN
fsr-3908	72	14	and	and	CCONJ
fsr-3908	72	15	net	net	ADJ
fsr-3908	72	16	worth	worth	ADJ
fsr-3908	72	17	information	information	NOUN
fsr-3908	72	18	,	,	PUNCT
fsr-3908	72	19	expected	expect	VERB
fsr-3908	72	20	standard	standard	NOUN
fsr-3908	72	21	of	of	ADP
fsr-3908	72	22	living	live	VERB
fsr-3908	72	23	in	in	ADP
fsr-3908	72	24	retirement	retirement	NOUN
fsr-3908	72	25	and	and	CCONJ
fsr-3908	72	26	demographic	demographic	ADJ
fsr-3908	72	27	information	information	NOUN
fsr-3908	72	28	.	.	PUNCT
fsr-3908	73	1	definitions	definition	NOUN
fsr-3908	73	2	,	,	PUNCT
fsr-3908	73	3	means	mean	NOUN
fsr-3908	73	4	and	and	CCONJ
fsr-3908	73	5	standard	standard	ADJ
fsr-3908	73	6	deviations	deviation	NOUN
fsr-3908	73	7	for	for	ADP
fsr-3908	73	8	the	the	DET
fsr-3908	73	9	variables	variable	NOUN
fsr-3908	73	10	used	use	VERB
fsr-3908	73	11	in	in	ADP
fsr-3908	73	12	this	this	DET
fsr-3908	73	13	study	study	NOUN
fsr-3908	73	14	are	be	AUX
fsr-3908	73	15	contained	contain	VERB
fsr-3908	73	16	in	in	ADP
fsr-3908	73	17	table	table	NOUN
fsr-3908	73	18	1	1	NUM
fsr-3908	73	19	.	.	PUNCT
fsr-3908	74	1	in	in	ADP
fsr-3908	74	2	the	the	DET
fsr-3908	74	3	hrs	hrs	NOUN
fsr-3908	74	4	,	,	PUNCT
fsr-3908	74	5	income	income	NOUN
fsr-3908	74	6	and	and	CCONJ
fsr-3908	74	7	wealth	wealth	NOUN
fsr-3908	74	8	information	information	NOUN
fsr-3908	74	9	is	be	AUX
fsr-3908	74	10	collected	collect	VERB
fsr-3908	74	11	on	on	ADP
fsr-3908	74	12	a	a	DET
fsr-3908	74	13	household	household	NOUN
fsr-3908	74	14	level	level	NOUN
fsr-3908	74	15	,	,	PUNCT
fsr-3908	74	16	so	so	SCONJ
fsr-3908	74	17	both	both	CCONJ
fsr-3908	74	18	the	the	DET
fsr-3908	74	19	respondent	respondent	NOUN
fsr-3908	74	20	’s	’s	NOUN
fsr-3908	74	21	and	and	CCONJ
fsr-3908	74	22	the	the	DET
fsr-3908	74	23	partner	partner	NOUN
fsr-3908	74	24	’s	’s	PART
fsr-3908	74	25	(	(	PUNCT
fsr-3908	74	26	if	if	SCONJ
fsr-3908	74	27	there	there	PRON
fsr-3908	74	28	is	be	VERB
fsr-3908	74	29	one	one	NUM
fsr-3908	74	30	)	)	PUNCT
fsr-3908	74	31	income	income	NOUN
fsr-3908	74	32	and	and	CCONJ
fsr-3908	74	33	net	net	ADJ
fsr-3908	74	34	worth	worth	NOUN
fsr-3908	74	35	are	be	AUX
fsr-3908	74	36	included	include	VERB
fsr-3908	74	37	.	.	PUNCT
fsr-3908	75	1	the	the	DET
fsr-3908	75	2	individual	individual	PROPN
fsr-3908	75	3	’s	’s	PART
fsr-3908	75	4	expected	expect	VERB
fsr-3908	75	5	standard	standard	NOUN
fsr-3908	75	6	of	of	ADP
fsr-3908	75	7	living	living	NOUN
fsr-3908	75	8	reflects	reflect	VERB
fsr-3908	75	9	that	that	SCONJ
fsr-3908	75	10	one	one	NUM
fsr-3908	75	11	person	person	NOUN
fsr-3908	75	12	’s	’s	PART
fsr-3908	75	13	perception	perception	NOUN
fsr-3908	75	14	.	.	PUNCT
fsr-3908	76	1	demographic	demographic	ADJ
fsr-3908	76	2	information	information	NOUN
fsr-3908	76	3	is	be	AUX
fsr-3908	76	4	also	also	ADV
fsr-3908	76	5	on	on	ADP
fsr-3908	76	6	an	an	DET
fsr-3908	76	7	individual	individual	ADJ
fsr-3908	76	8	level	level	NOUN
fsr-3908	76	9	.	.	PUNCT
fsr-3908	77	1	3.1	3.1	NUM
fsr-3908	77	2	.	.	PUNCT
fsr-3908	77	3	wealth	wealth	NOUN
fsr-3908	77	4	and	and	CCONJ
fsr-3908	77	5	income	income	NOUN
fsr-3908	77	6	measures	measure	NOUN
fsr-3908	77	7	the	the	DET
fsr-3908	77	8	household	household	NOUN
fsr-3908	77	9	income	income	NOUN
fsr-3908	77	10	figure	figure	NOUN
fsr-3908	77	11	includes	include	VERB
fsr-3908	77	12	income	income	NOUN
fsr-3908	77	13	from	from	ADP
fsr-3908	77	14	all	all	DET
fsr-3908	77	15	sources	source	NOUN
fsr-3908	77	16	—	—	PUNCT
fsr-3908	77	17	earnings	earning	NOUN
fsr-3908	77	18	,	,	PUNCT
fsr-3908	77	19	pensions	pension	NOUN
fsr-3908	77	20	and	and	CCONJ
fsr-3908	77	21	social	social	ADJ
fsr-3908	77	22	security	security	NOUN
fsr-3908	77	23	,	,	PUNCT
fsr-3908	77	24	investment	investment	NOUN
fsr-3908	77	25	income	income	NOUN
fsr-3908	77	26	,	,	PUNCT
fsr-3908	77	27	and	and	CCONJ
fsr-3908	77	28	welfare	welfare	NOUN
fsr-3908	77	29	payments	payment	NOUN
fsr-3908	77	30	.	.	PUNCT
fsr-3908	78	1	accumulated	accumulate	VERB
fsr-3908	78	2	savings	saving	NOUN
fsr-3908	78	3	or	or	CCONJ
fsr-3908	78	4	net	net	ADJ
fsr-3908	78	5	worth	worth	ADJ
fsr-3908	78	6	measures	measure	NOUN
fsr-3908	78	7	reported	report	VERB
fsr-3908	78	8	in	in	ADP
fsr-3908	78	9	the	the	DET
fsr-3908	78	10	hrs	hrs	NOUN
fsr-3908	78	11	include	include	VERB
fsr-3908	78	12	both	both	PRON
fsr-3908	78	13	financial	financial	ADJ
fsr-3908	78	14	assets	asset	NOUN
fsr-3908	78	15	and	and	CCONJ
fsr-3908	78	16	housing	housing	NOUN
fsr-3908	78	17	equity	equity	NOUN
fsr-3908	78	18	.	.	PUNCT
fsr-3908	79	1	the	the	DET
fsr-3908	79	2	question	question	NOUN
fsr-3908	79	3	of	of	ADP
fsr-3908	79	4	which	which	PRON
fsr-3908	79	5	assets	asset	NOUN
fsr-3908	79	6	should	should	AUX
fsr-3908	79	7	be	be	AUX
fsr-3908	79	8	regarded	regard	VERB
fsr-3908	79	9	as	as	ADP
fsr-3908	79	10	accumulated	accumulate	VERB
fsr-3908	79	11	savings	saving	NOUN
fsr-3908	79	12	for	for	ADP
fsr-3908	79	13	retirement	retirement	NOUN
fsr-3908	79	14	is	be	AUX
fsr-3908	79	15	the	the	DET
fsr-3908	79	16	subject	subject	NOUN
fsr-3908	79	17	of	of	ADP
fsr-3908	79	18	some	some	DET
fsr-3908	79	19	debate	debate	NOUN
fsr-3908	79	20	.	.	PUNCT
fsr-3908	80	1	because	because	SCONJ
fsr-3908	80	2	of	of	ADP
fsr-3908	80	3	this	this	DET
fsr-3908	80	4	debate	debate	NOUN
fsr-3908	80	5	,	,	PUNCT
fsr-3908	80	6	we	we	PRON
fsr-3908	80	7	will	will	AUX
fsr-3908	80	8	use	use	VERB
fsr-3908	80	9	several	several	ADJ
fsr-3908	80	10	measures	measure	NOUN
fsr-3908	80	11	of	of	ADP
fsr-3908	80	12	accumulated	accumulate	VERB
fsr-3908	80	13	saving	saving	NOUN
fsr-3908	80	14	.	.	PUNCT
fsr-3908	81	1	along	along	ADP
fsr-3908	81	2	with	with	ADP
fsr-3908	81	3	many	many	ADJ
fsr-3908	81	4	researchers	researcher	NOUN
fsr-3908	81	5	,	,	PUNCT
fsr-3908	81	6	we	we	PRON
fsr-3908	81	7	assume	assume	VERB
fsr-3908	81	8	that	that	SCONJ
fsr-3908	81	9	individuals	individual	NOUN
fsr-3908	81	10	are	be	AUX
fsr-3908	81	11	unwilling	unwilling	ADJ
fsr-3908	81	12	or	or	CCONJ
fsr-3908	81	13	unable	unable	ADJ
fsr-3908	81	14	to	to	PART
fsr-3908	81	15	consume	consume	VERB
fsr-3908	81	16	housing	housing	NOUN
fsr-3908	81	17	equity	equity	NOUN
fsr-3908	81	18	and	and	CCONJ
fsr-3908	81	19	so	so	ADV
fsr-3908	81	20	exclude	exclude	VERB
fsr-3908	81	21	housing	housing	NOUN
fsr-3908	81	22	equity	equity	NOUN
fsr-3908	81	23	from	from	ADP
fsr-3908	81	24	accumulated	accumulate	VERB
fsr-3908	81	25	saving	saving	NOUN
fsr-3908	81	26	.	.	PUNCT
fsr-3908	82	1	we	we	PRON
fsr-3908	82	2	also	also	ADV
fsr-3908	82	3	exclude	exclude	VERB
fsr-3908	82	4	the	the	DET
fsr-3908	82	5	value	value	NOUN
fsr-3908	82	6	of	of	ADP
fsr-3908	82	7	any	any	DET
fsr-3908	82	8	vehicles	vehicle	NOUN
fsr-3908	82	9	,	,	PUNCT
fsr-3908	82	10	since	since	SCONJ
fsr-3908	82	11	they	they	PRON
fsr-3908	82	12	are	be	AUX
fsr-3908	82	13	generally	generally	ADV
fsr-3908	82	14	not	not	PART
fsr-3908	82	15	used	use	VERB
fsr-3908	82	16	to	to	PART
fsr-3908	82	17	provide	provide	VERB
fsr-3908	82	18	resources	resource	NOUN
fsr-3908	82	19	for	for	ADP
fsr-3908	82	20	consumption	consumption	NOUN
fsr-3908	82	21	during	during	ADP
fsr-3908	82	22	retirement	retirement	NOUN
fsr-3908	82	23	.	.	PUNCT
fsr-3908	83	1	in	in	ADP
fsr-3908	83	2	the	the	DET
fsr-3908	83	3	results	result	NOUN
fsr-3908	83	4	presented	present	VERB
fsr-3908	83	5	below	below	ADV
fsr-3908	83	6	,	,	PUNCT
fsr-3908	83	7	housing	housing	NOUN
fsr-3908	83	8	equity	equity	NOUN
fsr-3908	83	9	is	be	AUX
fsr-3908	83	10	excluded	exclude	VERB
fsr-3908	83	11	;	;	PUNCT
fsr-3908	83	12	however	however	ADV
fsr-3908	83	13	,	,	PUNCT
fsr-3908	83	14	the	the	DET
fsr-3908	83	15	inclusion	inclusion	NOUN
fsr-3908	83	16	of	of	ADP
fsr-3908	83	17	housing	housing	NOUN
fsr-3908	83	18	equity	equity	NOUN
fsr-3908	83	19	does	do	AUX
fsr-3908	83	20	not	not	PART
fsr-3908	83	21	significantly	significantly	ADV
fsr-3908	83	22	affect	affect	VERB
fsr-3908	83	23	the	the	DET
fsr-3908	83	24	results	result	NOUN
fsr-3908	83	25	.	.	PUNCT
fsr-3908	84	1	the	the	DET
fsr-3908	84	2	household	household	NOUN
fsr-3908	84	3	’s	’s	PART
fsr-3908	84	4	current	current	ADJ
fsr-3908	84	5	level	level	NOUN
fsr-3908	84	6	of	of	ADP
fsr-3908	84	7	accumulated	accumulate	VERB
fsr-3908	84	8	financial	financial	ADJ
fsr-3908	84	9	assets	asset	NOUN
fsr-3908	84	10	(	(	PUNCT
fsr-3908	84	11	savefin	savefin	NOUN
fsr-3908	84	12	)	)	PUNCT
fsr-3908	84	13	is	be	AUX
fsr-3908	84	14	measured	measure	VERB
fsr-3908	84	15	by	by	ADP
fsr-3908	84	16	the	the	DET
fsr-3908	84	17	sum	sum	NOUN
fsr-3908	84	18	of	of	ADP
fsr-3908	84	19	liquid	liquid	ADJ
fsr-3908	84	20	assets	asset	NOUN
fsr-3908	84	21	,	,	PUNCT
fsr-3908	84	22	such	such	ADJ
fsr-3908	84	23	as	as	ADP
fsr-3908	84	24	bank	bank	NOUN
fsr-3908	84	25	accounts	account	NOUN
fsr-3908	84	26	,	,	PUNCT
fsr-3908	84	27	cds	cd	NOUN
fsr-3908	84	28	,	,	PUNCT
fsr-3908	84	29	treasury	treasury	NOUN
fsr-3908	84	30	bills	bill	NOUN
fsr-3908	84	31	,	,	PUNCT
fsr-3908	84	32	stocks	stock	NOUN
fsr-3908	84	33	,	,	PUNCT
fsr-3908	84	34	mutual	mutual	ADJ
fsr-3908	84	35	funds	fund	NOUN
fsr-3908	84	36	and	and	CCONJ
fsr-3908	84	37	36	36	NUM
fsr-3908	84	38	h.w	h.w	PROPN
fsr-3908	84	39	.	.	PROPN
fsr-3908	84	40	elder	elder	PROPN
fsr-3908	84	41	,	,	PUNCT
fsr-3908	84	42	p.m.	p.m.	NOUN
fsr-3908	84	43	rudolph	rudolph	PROPN
fsr-3908	84	44	/	/	SYM
fsr-3908	84	45	financial	financial	ADJ
fsr-3908	84	46	services	service	NOUN
fsr-3908	84	47	review	review	VERB
fsr-3908	84	48	9	9	NUM
fsr-3908	84	49	(	(	PUNCT
fsr-3908	84	50	2000	2000	NUM
fsr-3908	85	1	)	)	PUNCT
fsr-3908	85	2	33–45	33–45	NUM
fsr-3908	85	3	bonds	bond	NOUN
fsr-3908	85	4	.	.	PUNCT
fsr-3908	86	1	a	a	DET
fsr-3908	86	2	second	second	ADJ
fsr-3908	86	3	,	,	PUNCT
fsr-3908	86	4	more	more	ADV
fsr-3908	86	5	inclusive	inclusive	ADJ
fsr-3908	86	6	measure	measure	NOUN
fsr-3908	86	7	of	of	ADP
fsr-3908	86	8	accumulated	accumulate	VERB
fsr-3908	86	9	savings	saving	NOUN
fsr-3908	86	10	is	be	AUX
fsr-3908	86	11	also	also	ADV
fsr-3908	86	12	examined	examine	VERB
fsr-3908	86	13	.	.	PUNCT
fsr-3908	87	1	this	this	DET
fsr-3908	87	2	measure	measure	NOUN
fsr-3908	87	3	,	,	PUNCT
fsr-3908	87	4	savetot	savetot	ADJ
fsr-3908	87	5	,	,	PUNCT
fsr-3908	87	6	includes	include	VERB
fsr-3908	87	7	financial	financial	ADJ
fsr-3908	87	8	assets	asset	NOUN
fsr-3908	87	9	as	as	ADV
fsr-3908	87	10	well	well	ADV
fsr-3908	87	11	as	as	ADP
fsr-3908	87	12	such	such	ADJ
fsr-3908	87	13	nonfinancial	nonfinancial	ADJ
fsr-3908	87	14	assets	asset	NOUN
fsr-3908	87	15	as	as	ADP
fsr-3908	87	16	business	business	NOUN
fsr-3908	87	17	equity	equity	NOUN
fsr-3908	87	18	and	and	CCONJ
fsr-3908	87	19	real	real	ADJ
fsr-3908	87	20	estate	estate	NOUN
fsr-3908	87	21	(	(	PUNCT
fsr-3908	87	22	other	other	ADJ
fsr-3908	87	23	than	than	ADP
fsr-3908	87	24	equity	equity	NOUN
fsr-3908	87	25	in	in	ADP
fsr-3908	87	26	the	the	DET
fsr-3908	87	27	household	household	NOUN
fsr-3908	87	28	’s	’s	PART
fsr-3908	87	29	first	first	ADJ
fsr-3908	87	30	or	or	CCONJ
fsr-3908	87	31	second	second	ADJ
fsr-3908	87	32	residence	residence	NOUN
fsr-3908	87	33	)	)	PUNCT
fsr-3908	87	34	.	.	PUNCT
fsr-3908	88	1	finally	finally	ADV
fsr-3908	88	2	,	,	PUNCT
fsr-3908	88	3	table	table	NOUN
fsr-3908	88	4	1	1	NUM
fsr-3908	88	5	variable	variable	ADJ
fsr-3908	88	6	definitions	definition	NOUN
fsr-3908	88	7	,	,	PUNCT
fsr-3908	88	8	means	mean	NOUN
fsr-3908	88	9	and	and	CCONJ
fsr-3908	88	10	standard	standard	ADJ
fsr-3908	88	11	deviations	deviation	NOUN
fsr-3908	88	12	variable	variable	ADJ
fsr-3908	88	13	name	name	NOUN
fsr-3908	88	14	variable	variable	ADJ
fsr-3908	88	15	definition	definition	NOUN
fsr-3908	88	16	mean	mean	VERB
fsr-3908	88	17	(	(	PUNCT
fsr-3908	88	18	std	std	PROPN
fsr-3908	88	19	.	.	PROPN
fsr-3908	88	20	dev	dev	PROPN
fsr-3908	88	21	.	.	PUNCT
fsr-3908	88	22	)	)	PUNCT
fsr-3908	89	1	n	n	CCONJ
fsr-3908	89	2	5	5	NUM
fsr-3908	89	3	4978	4978	NUM
fsr-3908	89	4	male	male	ADJ
fsr-3908	89	5	binary	binary	ADJ
fsr-3908	89	6	variable	variable	NOUN
fsr-3908	89	7	that	that	PRON
fsr-3908	89	8	takes	take	VERB
fsr-3908	89	9	on	on	ADP
fsr-3908	89	10	a	a	DET
fsr-3908	89	11	value	value	NOUN
fsr-3908	89	12	of	of	ADP
fsr-3908	89	13	one	one	NUM
fsr-3908	89	14	if	if	SCONJ
fsr-3908	89	15	the	the	DET
fsr-3908	89	16	respondent	respondent	NOUN
fsr-3908	89	17	is	be	AUX
fsr-3908	89	18	male	male	ADJ
fsr-3908	89	19	and	and	CCONJ
fsr-3908	89	20	zero	zero	NUM
fsr-3908	89	21	otherwise	otherwise	ADV
fsr-3908	89	22	.	.	PUNCT
fsr-3908	90	1	.504	.504	NUM
fsr-3908	90	2	(	(	PUNCT
fsr-3908	90	3	.500	.500	NUM
fsr-3908	90	4	)	)	PUNCT
fsr-3908	90	5	white	white	ADJ
fsr-3908	90	6	binary	binary	ADJ
fsr-3908	90	7	variable	variable	NOUN
fsr-3908	90	8	that	that	PRON
fsr-3908	90	9	takes	take	VERB
fsr-3908	90	10	on	on	ADP
fsr-3908	90	11	a	a	DET
fsr-3908	90	12	value	value	NOUN
fsr-3908	90	13	of	of	ADP
fsr-3908	90	14	one	one	NUM
fsr-3908	90	15	if	if	SCONJ
fsr-3908	90	16	the	the	DET
fsr-3908	90	17	respondent	respondent	NOUN
fsr-3908	90	18	is	be	AUX
fsr-3908	90	19	white	white	ADJ
fsr-3908	90	20	and	and	CCONJ
fsr-3908	90	21	zero	zero	NUM
fsr-3908	90	22	otherwise	otherwise	ADV
fsr-3908	90	23	.	.	PUNCT
fsr-3908	91	1	.741	.741	NUM
fsr-3908	91	2	(	(	PUNCT
fsr-3908	91	3	.438	.438	NUM
fsr-3908	91	4	)	)	PUNCT
fsr-3908	91	5	married	married	ADJ
fsr-3908	91	6	binary	binary	ADJ
fsr-3908	91	7	variable	variable	NOUN
fsr-3908	91	8	that	that	PRON
fsr-3908	91	9	takes	take	VERB
fsr-3908	91	10	on	on	ADP
fsr-3908	91	11	a	a	DET
fsr-3908	91	12	value	value	NOUN
fsr-3908	91	13	of	of	ADP
fsr-3908	91	14	one	one	NUM
fsr-3908	91	15	if	if	SCONJ
fsr-3908	91	16	the	the	DET
fsr-3908	91	17	respondent	respondent	NOUN
fsr-3908	91	18	has	have	VERB
fsr-3908	91	19	a	a	DET
fsr-3908	91	20	partner	partner	NOUN
fsr-3908	91	21	and	and	CCONJ
fsr-3908	91	22	zero	zero	NUM
fsr-3908	91	23	otherwise	otherwise	ADV
fsr-3908	91	24	.	.	PUNCT
fsr-3908	92	1	‘	'	PUNCT
fsr-3908	92	2	‘	'	PUNCT
fsr-3908	92	3	partner	partner	NOUN
fsr-3908	92	4	’’	’'	PUNCT
fsr-3908	92	5	refers	refer	VERB
fsr-3908	92	6	to	to	ADP
fsr-3908	92	7	a	a	DET
fsr-3908	92	8	spouse	spouse	NOUN
fsr-3908	92	9	or	or	CCONJ
fsr-3908	92	10	live	live	ADJ
fsr-3908	92	11	-	-	PUNCT
fsr-3908	92	12	in	in	ADP
fsr-3908	92	13	companion	companion	NOUN
fsr-3908	92	14	of	of	ADP
fsr-3908	92	15	the	the	DET
fsr-3908	92	16	same	same	ADJ
fsr-3908	92	17	or	or	CCONJ
fsr-3908	92	18	opposite	opposite	ADJ
fsr-3908	92	19	sex	sex	NOUN
fsr-3908	92	20	.	.	PUNCT
fsr-3908	93	1	.756	.756	NUM
fsr-3908	93	2	(	(	PUNCT
fsr-3908	93	3	.429	.429	NUM
fsr-3908	93	4	)	)	PUNCT
fsr-3908	93	5	age	age	NOUN
fsr-3908	93	6	number	number	NOUN
fsr-3908	93	7	of	of	ADP
fsr-3908	93	8	years	year	NOUN
fsr-3908	93	9	of	of	ADP
fsr-3908	93	10	age	age	NOUN
fsr-3908	93	11	.	.	PUNCT
fsr-3908	94	1	55.5	55.5	NUM
fsr-3908	94	2	(	(	PUNCT
fsr-3908	94	3	3.10	3.10	NUM
fsr-3908	94	4	)	)	PUNCT
fsr-3908	94	5	edyrs	edyr	NOUN
fsr-3908	94	6	number	number	NOUN
fsr-3908	94	7	of	of	ADP
fsr-3908	94	8	years	year	NOUN
fsr-3908	94	9	of	of	ADP
fsr-3908	94	10	education	education	NOUN
fsr-3908	94	11	completed	complete	VERB
fsr-3908	94	12	.	.	PUNCT
fsr-3908	95	1	12.50	12.50	NUM
fsr-3908	95	2	(	(	PUNCT
fsr-3908	95	3	2.93	2.93	NUM
fsr-3908	95	4	)	)	PUNCT
fsr-3908	95	5	hlth	hlth	NOUN
fsr-3908	95	6	binary	binary	ADJ
fsr-3908	95	7	variable	variable	NOUN
fsr-3908	95	8	that	that	PRON
fsr-3908	95	9	takes	take	VERB
fsr-3908	95	10	on	on	ADP
fsr-3908	95	11	a	a	DET
fsr-3908	95	12	value	value	NOUN
fsr-3908	95	13	of	of	ADP
fsr-3908	95	14	one	one	NUM
fsr-3908	95	15	if	if	SCONJ
fsr-3908	95	16	the	the	DET
fsr-3908	95	17	respondent	respondent	NOUN
fsr-3908	95	18	states	state	VERB
fsr-3908	95	19	that	that	SCONJ
fsr-3908	95	20	their	their	PRON
fsr-3908	95	21	current	current	ADJ
fsr-3908	95	22	health	health	NOUN
fsr-3908	95	23	is	be	AUX
fsr-3908	95	24	excellent	excellent	ADJ
fsr-3908	95	25	,	,	PUNCT
fsr-3908	95	26	very	very	ADV
fsr-3908	95	27	good	good	ADJ
fsr-3908	95	28	or	or	CCONJ
fsr-3908	95	29	good	good	ADJ
fsr-3908	95	30	,	,	PUNCT
fsr-3908	95	31	and	and	CCONJ
fsr-3908	95	32	zero	zero	NUM
fsr-3908	95	33	otherwise	otherwise	ADV
fsr-3908	95	34	.	.	PUNCT
fsr-3908	96	1	.925	.925	NUM
fsr-3908	96	2	(	(	PUNCT
fsr-3908	96	3	.263	.263	NUM
fsr-3908	96	4	)	)	PUNCT
fsr-3908	96	5	hhinc	hhinc	NOUN
fsr-3908	96	6	the	the	DET
fsr-3908	96	7	total	total	ADJ
fsr-3908	96	8	household	household	NOUN
fsr-3908	96	9	income	income	NOUN
fsr-3908	96	10	from	from	ADP
fsr-3908	96	11	all	all	DET
fsr-3908	96	12	sources	source	NOUN
fsr-3908	96	13	including	include	VERB
fsr-3908	96	14	earned	earn	VERB
fsr-3908	96	15	income	income	NOUN
fsr-3908	96	16	,	,	PUNCT
fsr-3908	96	17	investment	investment	NOUN
fsr-3908	96	18	income	income	NOUN
fsr-3908	96	19	,	,	PUNCT
fsr-3908	96	20	pensions	pension	NOUN
fsr-3908	96	21	and	and	CCONJ
fsr-3908	96	22	transfers	transfer	NOUN
fsr-3908	96	23	payments	payment	NOUN
fsr-3908	96	24	.	.	PUNCT
fsr-3908	97	1	(	(	PUNCT
fsr-3908	97	2	the	the	DET
fsr-3908	97	3	log	log	NOUN
fsr-3908	97	4	of	of	ADP
fsr-3908	97	5	hhinc	hhinc	NOUN
fsr-3908	97	6	is	be	AUX
fsr-3908	97	7	actually	actually	ADV
fsr-3908	97	8	used	use	VERB
fsr-3908	97	9	in	in	ADP
fsr-3908	97	10	the	the	DET
fsr-3908	97	11	estimates	estimate	NOUN
fsr-3908	97	12	.	.	PUNCT
fsr-3908	98	1	$	$	SYM
fsr-3908	98	2	56,537	56,537	NUM
fsr-3908	98	3	(	(	PUNCT
fsr-3908	98	4	50349	50349	NUM
fsr-3908	98	5	)	)	PUNCT
fsr-3908	98	6	totkids	totkid	NOUN
fsr-3908	98	7	number	number	NOUN
fsr-3908	98	8	children	child	NOUN
fsr-3908	98	9	,	,	PUNCT
fsr-3908	98	10	either	either	CCONJ
fsr-3908	98	11	living	live	VERB
fsr-3908	98	12	at	at	ADP
fsr-3908	98	13	home	home	NOUN
fsr-3908	98	14	or	or	CCONJ
fsr-3908	98	15	outside	outside	ADJ
fsr-3908	98	16	household	household	NOUN
fsr-3908	98	17	1.74	1.74	NUM
fsr-3908	98	18	(	(	PUNCT
fsr-3908	98	19	2.14	2.14	NUM
fsr-3908	98	20	)	)	PUNCT
fsr-3908	98	21	kidsah	kidsah	NOUN
fsr-3908	98	22	number	number	NOUN
fsr-3908	98	23	of	of	ADP
fsr-3908	98	24	children	child	NOUN
fsr-3908	98	25	living	live	VERB
fsr-3908	98	26	at	at	ADP
fsr-3908	98	27	home	home	NOUN
fsr-3908	98	28	.312	.312	NUM
fsr-3908	98	29	(	(	PUNCT
fsr-3908	98	30	0.680	0.680	NUM
fsr-3908	98	31	)	)	PUNCT
fsr-3908	98	32	yrsemp	yrsemp	NOUN
fsr-3908	98	33	number	number	NOUN
fsr-3908	98	34	of	of	ADP
fsr-3908	98	35	years	year	NOUN
fsr-3908	98	36	employed	employ	VERB
fsr-3908	98	37	with	with	ADP
fsr-3908	98	38	the	the	DET
fsr-3908	98	39	current	current	ADJ
fsr-3908	98	40	employer	employer	NOUN
fsr-3908	98	41	.	.	PUNCT
fsr-3908	99	1	15.41	15.41	NUM
fsr-3908	99	2	(	(	PUNCT
fsr-3908	99	3	10.97	10.97	NUM
fsr-3908	99	4	)	)	PUNCT
fsr-3908	99	5	selfemp	selfemp	ADJ
fsr-3908	99	6	binary	binary	ADJ
fsr-3908	99	7	variable	variable	NOUN
fsr-3908	99	8	that	that	PRON
fsr-3908	99	9	takes	take	VERB
fsr-3908	99	10	on	on	ADP
fsr-3908	99	11	a	a	DET
fsr-3908	99	12	value	value	NOUN
fsr-3908	99	13	of	of	ADP
fsr-3908	99	14	one	one	NUM
fsr-3908	99	15	if	if	SCONJ
fsr-3908	99	16	the	the	DET
fsr-3908	99	17	respondent	respondent	NOUN
fsr-3908	99	18	is	be	AUX
fsr-3908	99	19	selfemployed	selfemploye	VERB
fsr-3908	99	20	and	and	CCONJ
fsr-3908	99	21	zero	zero	NUM
fsr-3908	99	22	otherwise	otherwise	ADV
fsr-3908	99	23	.	.	PUNCT
fsr-3908	100	1	.128	.128	NUM
fsr-3908	100	2	(	(	PUNCT
fsr-3908	100	3	.334	.334	NUM
fsr-3908	100	4	)	)	PUNCT
fsr-3908	100	5	retplan	retplan	NOUN
fsr-3908	100	6	binary	binary	ADJ
fsr-3908	100	7	variable	variable	NOUN
fsr-3908	100	8	that	that	PRON
fsr-3908	100	9	takes	take	VERB
fsr-3908	100	10	on	on	ADP
fsr-3908	100	11	a	a	DET
fsr-3908	100	12	value	value	NOUN
fsr-3908	100	13	of	of	ADP
fsr-3908	100	14	one	one	NUM
fsr-3908	100	15	if	if	SCONJ
fsr-3908	100	16	the	the	DET
fsr-3908	100	17	respondent	respondent	NOUN
fsr-3908	100	18	participates	participate	VERB
fsr-3908	100	19	in	in	ADP
fsr-3908	100	20	a	a	DET
fsr-3908	100	21	retirement	retirement	NOUN
fsr-3908	100	22	plan	plan	NOUN
fsr-3908	100	23	offered	offer	VERB
fsr-3908	100	24	through	through	ADP
fsr-3908	100	25	the	the	DET
fsr-3908	100	26	place	place	NOUN
fsr-3908	100	27	of	of	ADP
fsr-3908	100	28	employment	employment	NOUN
fsr-3908	100	29	and	and	CCONJ
fsr-3908	100	30	zero	zero	NUM
fsr-3908	100	31	otherwise	otherwise	ADV
fsr-3908	100	32	.	.	PUNCT
fsr-3908	101	1	.626	.626	NUM
fsr-3908	101	2	(	(	PUNCT
fsr-3908	101	3	.484	.484	NUM
fsr-3908	101	4	)	)	PUNCT
fsr-3908	101	5	sevefin	sevefin	NOUN
fsr-3908	101	6	the	the	DET
fsr-3908	101	7	value	value	NOUN
fsr-3908	101	8	of	of	ADP
fsr-3908	101	9	the	the	DET
fsr-3908	101	10	household	household	NOUN
fsr-3908	101	11	’s	’s	PART
fsr-3908	101	12	liquid	liquid	ADJ
fsr-3908	101	13	assets	asset	NOUN
fsr-3908	101	14	plus	plus	CCONJ
fsr-3908	101	15	stocks	stock	NOUN
fsr-3908	101	16	plus	plus	CCONJ
fsr-3908	101	17	bonds	bond	NOUN
fsr-3908	101	18	.	.	PUNCT
fsr-3908	102	1	$	$	SYM
fsr-3908	102	2	41,073	41,073	NUM
fsr-3908	102	3	(	(	PUNCT
fsr-3908	102	4	157,783	157,783	NUM
fsr-3908	102	5	)	)	PUNCT
fsr-3908	102	6	savetot	savetot	VERB
fsr-3908	102	7	the	the	DET
fsr-3908	102	8	value	value	NOUN
fsr-3908	102	9	of	of	ADP
fsr-3908	102	10	the	the	DET
fsr-3908	102	11	households	household	NOUN
fsr-3908	102	12	assets	asset	NOUN
fsr-3908	102	13	,	,	PUNCT
fsr-3908	102	14	less	less	ADJ
fsr-3908	102	15	housing	housing	NOUN
fsr-3908	102	16	equity	equity	NOUN
fsr-3908	102	17	,	,	PUNCT
fsr-3908	102	18	ira	ira	PROPN
fsr-3908	102	19	value	value	NOUN
fsr-3908	102	20	and	and	CCONJ
fsr-3908	102	21	the	the	DET
fsr-3908	102	22	value	value	NOUN
fsr-3908	102	23	of	of	ADP
fsr-3908	102	24	household	household	NOUN
fsr-3908	102	25	vehicles	vehicle	NOUN
fsr-3908	102	26	.	.	PUNCT
fsr-3908	103	1	$	$	SYM
fsr-3908	103	2	130,797	130,797	NUM
fsr-3908	103	3	(	(	PUNCT
fsr-3908	103	4	448,760	448,760	NUM
fsr-3908	103	5	)	)	PUNCT
fsr-3908	103	6	retsave	retsave	NOUN
fsr-3908	103	7	the	the	DET
fsr-3908	103	8	respondent	respondent	NOUN
fsr-3908	103	9	’s	’s	PART
fsr-3908	103	10	expectation	expectation	NOUN
fsr-3908	103	11	of	of	ADP
fsr-3908	103	12	the	the	DET
fsr-3908	103	13	household	household	NOUN
fsr-3908	103	14	’s	’s	PART
fsr-3908	103	15	liquid	liquid	ADJ
fsr-3908	103	16	assets	asset	NOUN
fsr-3908	103	17	and	and	CCONJ
fsr-3908	103	18	reserves	reserve	NOUN
fsr-3908	103	19	at	at	ADP
fsr-3908	103	20	retirement	retirement	NOUN
fsr-3908	103	21	without	without	ADP
fsr-3908	103	22	ira	ira	PROPN
fsr-3908	103	23	or	or	CCONJ
fsr-3908	103	24	pension	pension	NOUN
fsr-3908	103	25	funds	fund	NOUN
fsr-3908	103	26	.	.	PUNCT
fsr-3908	104	1	$	$	SYM
fsr-3908	104	2	108.669	108.669	NUM
fsr-3908	104	3	(	(	PUNCT
fsr-3908	104	4	346,774	346,774	NUM
fsr-3908	104	5	)	)	PUNCT
fsr-3908	104	6	nwira	nwira	VERB
fsr-3908	104	7	the	the	DET
fsr-3908	104	8	value	value	NOUN
fsr-3908	104	9	of	of	ADP
fsr-3908	104	10	all	all	PRON
fsr-3908	104	11	of	of	ADP
fsr-3908	104	12	household	household	NOUN
fsr-3908	104	13	’s	’s	PART
fsr-3908	104	14	ira	ira	PROPN
fsr-3908	104	15	assets	asset	NOUN
fsr-3908	104	16	.	.	PUNCT
fsr-3908	105	1	$	$	SYM
fsr-3908	105	2	19,041	19,041	NUM
fsr-3908	105	3	(	(	PUNCT
fsr-3908	105	4	55,419	55,419	NUM
fsr-3908	105	5	)	)	PUNCT
fsr-3908	105	6	wlthinc	wlthinc	NOUN
fsr-3908	105	7	the	the	DET
fsr-3908	105	8	ratio	ratio	NOUN
fsr-3908	105	9	of	of	ADP
fsr-3908	105	10	savefin	savefin	NOUN
fsr-3908	105	11	to	to	ADP
fsr-3908	105	12	hhinc	hhinc	VERB
fsr-3908	105	13	.	.	PROPN
fsr-3908	105	14	.722	.722	NUM
fsr-3908	105	15	(	(	PUNCT
fsr-3908	105	16	3.50	3.50	NUM
fsr-3908	105	17	)	)	PUNCT
fsr-3908	105	18	increp	increp	NOUN
fsr-3908	105	19	the	the	DET
fsr-3908	105	20	ratio	ratio	NOUN
fsr-3908	105	21	of	of	ADP
fsr-3908	105	22	the	the	DET
fsr-3908	105	23	future	future	ADJ
fsr-3908	105	24	value	value	NOUN
fsr-3908	105	25	of	of	ADP
fsr-3908	105	26	savefin	savefin	NOUN
fsr-3908	105	27	to	to	PART
fsr-3908	105	28	retsave	retsave	VERB
fsr-3908	105	29	.	.	PUNCT
fsr-3908	106	1	1.75	1.75	NUM
fsr-3908	106	2	(	(	PUNCT
fsr-3908	106	3	12.51	12.51	NUM
fsr-3908	106	4	)	)	PUNCT
fsr-3908	106	5	standrd	standrd	ADV
fsr-3908	106	6	coded	code	VERB
fsr-3908	106	7	response	response	NOUN
fsr-3908	106	8	to	to	ADP
fsr-3908	106	9	the	the	DET
fsr-3908	106	10	question	question	NOUN
fsr-3908	106	11	,	,	PUNCT
fsr-3908	106	12	‘	'	PUNCT
fsr-3908	106	13	‘	'	PUNCT
fsr-3908	106	14	do	do	AUX
fsr-3908	106	15	you	you	PRON
fsr-3908	106	16	expect	expect	VERB
fsr-3908	106	17	your	your	PRON
fsr-3908	106	18	living	living	NOUN
fsr-3908	106	19	standards	standard	NOUN
fsr-3908	106	20	to	to	PART
fsr-3908	106	21	increase	increase	VERB
fsr-3908	106	22	a	a	DET
fsr-3908	106	23	lot	lot	NOUN
fsr-3908	106	24	(	(	PUNCT
fsr-3908	106	25	4	4	NUM
fsr-3908	106	26	)	)	PUNCT
fsr-3908	106	27	,	,	PUNCT
fsr-3908	106	28	increase	increase	VERB
fsr-3908	106	29	somewhat	somewhat	ADV
fsr-3908	106	30	(	(	PUNCT
fsr-3908	106	31	3	3	NUM
fsr-3908	106	32	)	)	PUNCT
fsr-3908	106	33	,	,	PUNCT
fsr-3908	106	34	stay	stay	VERB
fsr-3908	106	35	about	about	ADP
fsr-3908	106	36	the	the	DET
fsr-3908	106	37	same	same	ADJ
fsr-3908	106	38	(	(	PUNCT
fsr-3908	106	39	2	2	NUM
fsr-3908	106	40	)	)	PUNCT
fsr-3908	106	41	,	,	PUNCT
fsr-3908	106	42	decline	decline	VERB
fsr-3908	106	43	somewhat	somewhat	ADV
fsr-3908	106	44	(	(	PUNCT
fsr-3908	106	45	1	1	NUM
fsr-3908	106	46	)	)	PUNCT
fsr-3908	106	47	or	or	CCONJ
fsr-3908	106	48	decline	decline	VERB
fsr-3908	106	49	a	a	DET
fsr-3908	106	50	lot	lot	NOUN
fsr-3908	106	51	(	(	PUNCT
fsr-3908	106	52	0	0	NUM
fsr-3908	106	53	)	)	PUNCT
fsr-3908	106	54	?	?	PUNCT
fsr-3908	106	55	’’	’'	PUNCT
fsr-3908	107	1	1.60	1.60	NUM
fsr-3908	107	2	(	(	PUNCT
fsr-3908	107	3	0.750	0.750	NUM
fsr-3908	107	4	)	)	PUNCT
fsr-3908	107	5	37h.w	37h.w	NOUN
fsr-3908	107	6	.	.	PUNCT
fsr-3908	108	1	elder	elder	NOUN
fsr-3908	108	2	,	,	PUNCT
fsr-3908	108	3	p.m.	p.m.	NOUN
fsr-3908	108	4	rudolph	rudolph	PROPN
fsr-3908	108	5	/	/	SYM
fsr-3908	108	6	financial	financial	ADJ
fsr-3908	108	7	services	service	NOUN
fsr-3908	108	8	review	review	VERB
fsr-3908	108	9	9	9	NUM
fsr-3908	108	10	(	(	PUNCT
fsr-3908	108	11	2000	2000	NUM
fsr-3908	108	12	)	)	PUNCT
fsr-3908	108	13	33–45	33–45	NUM
fsr-3908	108	14	the	the	DET
fsr-3908	108	15	part	part	NOUN
fsr-3908	108	16	of	of	ADP
fsr-3908	108	17	savings	saving	NOUN
fsr-3908	108	18	that	that	PRON
fsr-3908	108	19	is	be	AUX
fsr-3908	108	20	specifically	specifically	ADV
fsr-3908	108	21	set	set	VERB
fsr-3908	108	22	aside	aside	ADV
fsr-3908	108	23	in	in	ADP
fsr-3908	108	24	an	an	DET
fsr-3908	108	25	ira	ira	PROPN
fsr-3908	108	26	(	(	PUNCT
fsr-3908	108	27	nwira	nwira	PROPN
fsr-3908	108	28	)	)	PUNCT
fsr-3908	108	29	is	be	AUX
fsr-3908	108	30	used	use	VERB
fsr-3908	108	31	as	as	ADP
fsr-3908	108	32	another	another	DET
fsr-3908	108	33	measure	measure	NOUN
fsr-3908	108	34	of	of	ADP
fsr-3908	108	35	accumulated	accumulate	VERB
fsr-3908	108	36	retirement	retirement	NOUN
fsr-3908	108	37	saving	saving	NOUN
fsr-3908	108	38	.	.	PUNCT
fsr-3908	109	1	in	in	ADP
fsr-3908	109	2	planning	plan	VERB
fsr-3908	109	3	to	to	PART
fsr-3908	109	4	replace	replace	VERB
fsr-3908	109	5	some	some	DET
fsr-3908	109	6	percentage	percentage	NOUN
fsr-3908	109	7	of	of	ADP
fsr-3908	109	8	preretirement	preretirement	ADJ
fsr-3908	109	9	income	income	NOUN
fsr-3908	109	10	,	,	PUNCT
fsr-3908	109	11	the	the	DET
fsr-3908	109	12	dollar	dollar	NOUN
fsr-3908	109	13	amount	amount	NOUN
fsr-3908	109	14	of	of	ADP
fsr-3908	109	15	savings	saving	NOUN
fsr-3908	109	16	may	may	AUX
fsr-3908	109	17	not	not	PART
fsr-3908	109	18	be	be	AUX
fsr-3908	109	19	as	as	ADV
fsr-3908	109	20	important	important	ADJ
fsr-3908	109	21	as	as	ADP
fsr-3908	109	22	the	the	DET
fsr-3908	109	23	accumulated	accumulate	VERB
fsr-3908	109	24	savings	saving	NOUN
fsr-3908	109	25	relative	relative	ADJ
fsr-3908	109	26	to	to	ADP
fsr-3908	109	27	the	the	DET
fsr-3908	109	28	income	income	NOUN
fsr-3908	109	29	that	that	PRON
fsr-3908	109	30	needs	need	VERB
fsr-3908	109	31	to	to	PART
fsr-3908	109	32	be	be	AUX
fsr-3908	109	33	replaced	replace	VERB
fsr-3908	109	34	.	.	PUNCT
fsr-3908	110	1	the	the	DET
fsr-3908	110	2	same	same	ADJ
fsr-3908	110	3	dollar	dollar	NOUN
fsr-3908	110	4	amount	amount	NOUN
fsr-3908	110	5	of	of	ADP
fsr-3908	110	6	savings	saving	NOUN
fsr-3908	110	7	might	might	AUX
fsr-3908	110	8	be	be	AUX
fsr-3908	110	9	sufficient	sufficient	ADJ
fsr-3908	110	10	to	to	PART
fsr-3908	110	11	replace	replace	VERB
fsr-3908	110	12	all	all	PRON
fsr-3908	110	13	of	of	ADP
fsr-3908	110	14	a	a	DET
fsr-3908	110	15	low	low	ADJ
fsr-3908	110	16	-	-	PUNCT
fsr-3908	110	17	income	income	NOUN
fsr-3908	110	18	individual	individual	NOUN
fsr-3908	110	19	’s	’s	PART
fsr-3908	110	20	income	income	NOUN
fsr-3908	110	21	but	but	CCONJ
fsr-3908	110	22	might	might	AUX
fsr-3908	110	23	replace	replace	VERB
fsr-3908	110	24	only	only	ADV
fsr-3908	110	25	a	a	DET
fsr-3908	110	26	very	very	ADV
fsr-3908	110	27	small	small	ADJ
fsr-3908	110	28	percentage	percentage	NOUN
fsr-3908	110	29	of	of	ADP
fsr-3908	110	30	a	a	DET
fsr-3908	110	31	high	high	ADJ
fsr-3908	110	32	-	-	PUNCT
fsr-3908	110	33	income	income	NOUN
fsr-3908	110	34	individual	individual	NOUN
fsr-3908	110	35	’s	’s	PART
fsr-3908	110	36	income	income	NOUN
fsr-3908	110	37	.	.	PUNCT
fsr-3908	111	1	to	to	PART
fsr-3908	111	2	capture	capture	VERB
fsr-3908	111	3	the	the	DET
fsr-3908	111	4	relative	relative	ADJ
fsr-3908	111	5	need	need	NOUN
fsr-3908	111	6	for	for	ADP
fsr-3908	111	7	saving	saving	NOUN
fsr-3908	111	8	,	,	PUNCT
fsr-3908	111	9	the	the	DET
fsr-3908	111	10	ratio	ratio	NOUN
fsr-3908	111	11	of	of	ADP
fsr-3908	111	12	nonpension	nonpension	NOUN
fsr-3908	111	13	financial	financial	ADJ
fsr-3908	111	14	assets	asset	NOUN
fsr-3908	111	15	to	to	ADP
fsr-3908	111	16	household	household	NOUN
fsr-3908	111	17	income	income	NOUN
fsr-3908	111	18	(	(	PUNCT
fsr-3908	111	19	finsave	finsave	NOUN
fsr-3908	111	20	/	/	SYM
fsr-3908	111	21	hhinc	hhinc	NOUN
fsr-3908	111	22	)	)	PUNCT
fsr-3908	111	23	is	be	AUX
fsr-3908	111	24	used	use	VERB
fsr-3908	111	25	.	.	PUNCT
fsr-3908	112	1	because	because	SCONJ
fsr-3908	112	2	the	the	DET
fsr-3908	112	3	sample	sample	NOUN
fsr-3908	112	4	consists	consist	VERB
fsr-3908	112	5	of	of	ADP
fsr-3908	112	6	those	those	PRON
fsr-3908	112	7	who	who	PRON
fsr-3908	112	8	are	be	AUX
fsr-3908	112	9	“	"	PUNCT
fsr-3908	112	10	not	not	PART
fsr-3908	112	11	at	at	ADV
fsr-3908	112	12	all	all	ADV
fsr-3908	112	13	retired	retire	VERB
fsr-3908	112	14	,	,	PUNCT
fsr-3908	112	15	”	"	PUNCT
fsr-3908	112	16	additional	additional	ADJ
fsr-3908	112	17	savings	saving	NOUN
fsr-3908	112	18	may	may	AUX
fsr-3908	112	19	be	be	AUX
fsr-3908	112	20	accumulated	accumulate	VERB
fsr-3908	112	21	in	in	ADP
fsr-3908	112	22	the	the	DET
fsr-3908	112	23	period	period	NOUN
fsr-3908	112	24	prior	prior	ADV
fsr-3908	112	25	to	to	ADP
fsr-3908	112	26	retirement	retirement	NOUN
fsr-3908	112	27	.	.	PUNCT
fsr-3908	113	1	as	as	ADP
fsr-3908	113	2	part	part	NOUN
fsr-3908	113	3	of	of	ADP
fsr-3908	113	4	the	the	DET
fsr-3908	113	5	retirement	retirement	NOUN
fsr-3908	113	6	planning	planning	NOUN
fsr-3908	113	7	section	section	NOUN
fsr-3908	113	8	of	of	ADP
fsr-3908	113	9	the	the	DET
fsr-3908	113	10	survey	survey	NOUN
fsr-3908	113	11	,	,	PUNCT
fsr-3908	113	12	individuals	individual	NOUN
fsr-3908	113	13	were	be	AUX
fsr-3908	113	14	asked	ask	VERB
fsr-3908	113	15	what	what	PRON
fsr-3908	113	16	they	they	PRON
fsr-3908	113	17	expected	expect	VERB
fsr-3908	113	18	to	to	PART
fsr-3908	113	19	have	have	VERB
fsr-3908	113	20	in	in	ADP
fsr-3908	113	21	“	"	PUNCT
fsr-3908	113	22	savings	saving	NOUN
fsr-3908	113	23	and	and	CCONJ
fsr-3908	113	24	reserves	reserve	NOUN
fsr-3908	113	25	”	"	PUNCT
fsr-3908	113	26	exclusive	exclusive	NOUN
fsr-3908	113	27	of	of	ADP
fsr-3908	113	28	ira	ira	PROPN
fsr-3908	113	29	and	and	CCONJ
fsr-3908	113	30	pension	pension	NOUN
fsr-3908	113	31	fund	fund	NOUN
fsr-3908	113	32	assets	asset	NOUN
fsr-3908	113	33	.	.	PUNCT
fsr-3908	114	1	this	this	DET
fsr-3908	114	2	variable	variable	ADJ
fsr-3908	114	3	(	(	PUNCT
fsr-3908	114	4	retsave	retsave	NOUN
fsr-3908	114	5	)	)	PUNCT
fsr-3908	114	6	reflects	reflect	VERB
fsr-3908	114	7	the	the	DET
fsr-3908	114	8	individual	individual	NOUN
fsr-3908	114	9	’s	’s	PART
fsr-3908	114	10	expectations	expectation	NOUN
fsr-3908	114	11	concerning	concern	VERB
fsr-3908	114	12	future	future	ADJ
fsr-3908	114	13	savings	saving	NOUN
fsr-3908	114	14	.	.	PUNCT
fsr-3908	115	1	individuals	individual	NOUN
fsr-3908	115	2	may	may	AUX
fsr-3908	115	3	have	have	VERB
fsr-3908	115	4	unrealistic	unrealistic	ADJ
fsr-3908	115	5	expectations	expectation	NOUN
fsr-3908	115	6	of	of	ADP
fsr-3908	115	7	their	their	PRON
fsr-3908	115	8	ability	ability	NOUN
fsr-3908	115	9	to	to	PART
fsr-3908	115	10	save	save	VERB
fsr-3908	115	11	in	in	ADP
fsr-3908	115	12	the	the	DET
fsr-3908	115	13	future	future	NOUN
fsr-3908	115	14	.	.	PUNCT
fsr-3908	116	1	to	to	PART
fsr-3908	116	2	try	try	VERB
fsr-3908	116	3	to	to	PART
fsr-3908	116	4	capture	capture	VERB
fsr-3908	116	5	how	how	SCONJ
fsr-3908	116	6	reasonable	reasonable	ADJ
fsr-3908	116	7	those	those	DET
fsr-3908	116	8	savings	saving	NOUN
fsr-3908	116	9	goals	goal	NOUN
fsr-3908	116	10	are	be	AUX
fsr-3908	116	11	we	we	PRON
fsr-3908	116	12	compute	compute	VERB
fsr-3908	116	13	the	the	DET
fsr-3908	116	14	ratio	ratio	NOUN
fsr-3908	116	15	of	of	ADP
fsr-3908	116	16	the	the	DET
fsr-3908	116	17	future	future	ADJ
fsr-3908	116	18	value	value	NOUN
fsr-3908	116	19	of	of	ADP
fsr-3908	116	20	the	the	DET
fsr-3908	116	21	actual	actual	ADJ
fsr-3908	116	22	accumulated	accumulate	VERB
fsr-3908	116	23	savings	saving	NOUN
fsr-3908	116	24	to	to	ADP
fsr-3908	116	25	the	the	DET
fsr-3908	116	26	expected	expect	VERB
fsr-3908	116	27	savings	saving	NOUN
fsr-3908	116	28	at	at	ADP
fsr-3908	116	29	retirement	retirement	NOUN
fsr-3908	116	30	(	(	PUNCT
fsr-3908	116	31	increp	increp	NOUN
fsr-3908	116	32	)	)	PUNCT
fsr-3908	116	33	.	.	PUNCT
fsr-3908	117	1	the	the	DET
fsr-3908	117	2	numerator	numerator	NOUN
fsr-3908	117	3	is	be	AUX
fsr-3908	117	4	what	what	PRON
fsr-3908	117	5	they	they	PRON
fsr-3908	117	6	will	will	AUX
fsr-3908	117	7	have	have	VERB
fsr-3908	117	8	at	at	ADP
fsr-3908	117	9	retirement	retirement	NOUN
fsr-3908	117	10	if	if	SCONJ
fsr-3908	117	11	they	they	PRON
fsr-3908	117	12	simply	simply	ADV
fsr-3908	117	13	invest	invest	VERB
fsr-3908	117	14	what	what	PRON
fsr-3908	117	15	they	they	PRON
fsr-3908	117	16	have	have	AUX
fsr-3908	117	17	already	already	ADV
fsr-3908	117	18	accumulated	accumulate	VERB
fsr-3908	117	19	.	.	PUNCT
fsr-3908	118	1	the	the	DET
fsr-3908	118	2	denominator	denominator	NOUN
fsr-3908	118	3	is	be	AUX
fsr-3908	118	4	what	what	PRON
fsr-3908	118	5	they	they	PRON
fsr-3908	118	6	expect	expect	VERB
fsr-3908	118	7	to	to	PART
fsr-3908	118	8	have	have	VERB
fsr-3908	118	9	at	at	ADP
fsr-3908	118	10	retirement	retirement	NOUN
fsr-3908	118	11	.	.	PUNCT
fsr-3908	119	1	the	the	DET
fsr-3908	119	2	larger	large	ADJ
fsr-3908	119	3	increp	increp	NOUN
fsr-3908	119	4	,	,	PUNCT
fsr-3908	119	5	the	the	PRON
fsr-3908	119	6	larger	large	ADJ
fsr-3908	119	7	the	the	DET
fsr-3908	119	8	percentage	percentage	NOUN
fsr-3908	119	9	of	of	ADP
fsr-3908	119	10	their	their	PRON
fsr-3908	119	11	expected	expect	VERB
fsr-3908	119	12	savings	saving	NOUN
fsr-3908	119	13	and	and	CCONJ
fsr-3908	119	14	reserves	reserve	NOUN
fsr-3908	119	15	have	have	AUX
fsr-3908	119	16	already	already	ADV
fsr-3908	119	17	been	be	AUX
fsr-3908	119	18	accumulated	accumulate	VERB
fsr-3908	119	19	.	.	PUNCT
fsr-3908	120	1	3.2	3.2	NUM
fsr-3908	120	2	.	.	PUNCT
fsr-3908	121	1	expectation	expectation	NOUN
fsr-3908	121	2	standard	standard	NOUN
fsr-3908	121	3	of	of	ADP
fsr-3908	121	4	living	live	VERB
fsr-3908	121	5	the	the	DET
fsr-3908	121	6	second	second	ADJ
fsr-3908	121	7	part	part	NOUN
fsr-3908	121	8	of	of	ADP
fsr-3908	121	9	our	our	PRON
fsr-3908	121	10	research	research	NOUN
fsr-3908	121	11	focuses	focus	VERB
fsr-3908	121	12	on	on	ADP
fsr-3908	121	13	the	the	DET
fsr-3908	121	14	expectation	expectation	NOUN
fsr-3908	121	15	of	of	ADP
fsr-3908	121	16	the	the	DET
fsr-3908	121	17	standard	standard	NOUN
fsr-3908	121	18	of	of	ADP
fsr-3908	121	19	living	live	VERB
fsr-3908	121	20	after	after	ADP
fsr-3908	121	21	retirement	retirement	NOUN
fsr-3908	121	22	.	.	PUNCT
fsr-3908	122	1	the	the	DET
fsr-3908	122	2	hrs	hrs	NOUN
fsr-3908	122	3	provides	provide	VERB
fsr-3908	122	4	two	two	NUM
fsr-3908	122	5	methods	method	NOUN
fsr-3908	122	6	to	to	PART
fsr-3908	122	7	assess	assess	VERB
fsr-3908	122	8	the	the	DET
fsr-3908	122	9	individual	individual	NOUN
fsr-3908	122	10	’s	’s	PART
fsr-3908	122	11	expectations	expectation	NOUN
fsr-3908	122	12	.	.	PUNCT
fsr-3908	123	1	the	the	DET
fsr-3908	123	2	first	first	ADJ
fsr-3908	123	3	is	be	AUX
fsr-3908	123	4	simply	simply	ADV
fsr-3908	123	5	to	to	PART
fsr-3908	123	6	ask	ask	VERB
fsr-3908	123	7	,	,	PUNCT
fsr-3908	123	8	“	"	PUNCT
fsr-3908	123	9	do	do	AUX
fsr-3908	123	10	you	you	PRON
fsr-3908	123	11	expect	expect	VERB
fsr-3908	123	12	your	your	PRON
fsr-3908	123	13	living	living	NOUN
fsr-3908	123	14	standard	standard	NOUN
fsr-3908	123	15	to	to	PART
fsr-3908	123	16	increase	increase	VERB
fsr-3908	123	17	a	a	DET
fsr-3908	123	18	lot	lot	NOUN
fsr-3908	123	19	(	(	PUNCT
fsr-3908	123	20	4	4	NUM
fsr-3908	123	21	)	)	PUNCT
fsr-3908	123	22	,	,	PUNCT
fsr-3908	123	23	increase	increase	VERB
fsr-3908	123	24	somewhat	somewhat	ADV
fsr-3908	123	25	(	(	PUNCT
fsr-3908	123	26	3	3	NUM
fsr-3908	123	27	)	)	PUNCT
fsr-3908	123	28	,	,	PUNCT
fsr-3908	123	29	stay	stay	VERB
fsr-3908	123	30	about	about	ADP
fsr-3908	123	31	the	the	DET
fsr-3908	123	32	same	same	ADJ
fsr-3908	123	33	(	(	PUNCT
fsr-3908	123	34	2	2	NUM
fsr-3908	123	35	)	)	PUNCT
fsr-3908	123	36	,	,	PUNCT
fsr-3908	123	37	decline	decline	VERB
fsr-3908	123	38	somewhat	somewhat	ADV
fsr-3908	123	39	(	(	PUNCT
fsr-3908	123	40	1	1	NUM
fsr-3908	123	41	)	)	PUNCT
fsr-3908	123	42	,	,	PUNCT
fsr-3908	123	43	or	or	CCONJ
fsr-3908	123	44	decline	decline	VERB
fsr-3908	123	45	a	a	DET
fsr-3908	123	46	lot	lot	NOUN
fsr-3908	123	47	(	(	PUNCT
fsr-3908	123	48	0	0	NUM
fsr-3908	123	49	)	)	PUNCT
fsr-3908	123	50	?	?	PUNCT
fsr-3908	123	51	”	"	PUNCT
fsr-3908	124	1	the	the	DET
fsr-3908	124	2	second	second	ADJ
fsr-3908	124	3	method	method	NOUN
fsr-3908	124	4	is	be	AUX
fsr-3908	124	5	to	to	PART
fsr-3908	124	6	proxy	proxy	VERB
fsr-3908	124	7	the	the	DET
fsr-3908	124	8	individual	individual	NOUN
fsr-3908	124	9	’s	’s	PART
fsr-3908	124	10	expected	expect	VERB
fsr-3908	124	11	ability	ability	NOUN
fsr-3908	124	12	to	to	PART
fsr-3908	124	13	replace	replace	VERB
fsr-3908	124	14	preretirement	preretirement	ADJ
fsr-3908	124	15	income	income	NOUN
fsr-3908	124	16	with	with	ADP
fsr-3908	124	17	pension	pension	NOUN
fsr-3908	124	18	benefits	benefit	NOUN
fsr-3908	124	19	.	.	PUNCT
fsr-3908	125	1	we	we	PRON
fsr-3908	125	2	use	use	VERB
fsr-3908	125	3	a	a	DET
fsr-3908	125	4	binary	binary	ADJ
fsr-3908	125	5	variable	variable	NOUN
fsr-3908	125	6	indicating	indicate	VERB
fsr-3908	125	7	pension	pension	NOUN
fsr-3908	125	8	plan	plan	NOUN
fsr-3908	125	9	participation	participation	NOUN
fsr-3908	125	10	and	and	CCONJ
fsr-3908	125	11	the	the	DET
fsr-3908	125	12	number	number	NOUN
fsr-3908	125	13	of	of	ADP
fsr-3908	125	14	years	year	NOUN
fsr-3908	125	15	employed	employ	VERB
fsr-3908	125	16	by	by	ADP
fsr-3908	125	17	the	the	DET
fsr-3908	125	18	current	current	ADJ
fsr-3908	125	19	employer	employer	NOUN
fsr-3908	125	20	to	to	ADP
fsr-3908	125	21	proxy	proxy	NOUN
fsr-3908	125	22	expected	expect	VERB
fsr-3908	125	23	pension	pension	NOUN
fsr-3908	125	24	benefits	benefit	NOUN
fsr-3908	125	25	.	.	PUNCT
fsr-3908	126	1	a	a	DET
fsr-3908	126	2	binary	binary	ADJ
fsr-3908	126	3	variable	variable	NOUN
fsr-3908	126	4	for	for	ADP
fsr-3908	126	5	self	self	NOUN
fsr-3908	126	6	-	-	PUNCT
fsr-3908	126	7	employed	employ	VERB
fsr-3908	126	8	is	be	AUX
fsr-3908	126	9	also	also	ADV
fsr-3908	126	10	included	include	VERB
fsr-3908	126	11	to	to	PART
fsr-3908	126	12	indicate	indicate	VERB
fsr-3908	126	13	the	the	DET
fsr-3908	126	14	individual	individual	NOUN
fsr-3908	126	15	’s	’s	PART
fsr-3908	126	16	work	work	NOUN
fsr-3908	126	17	situation	situation	NOUN
fsr-3908	126	18	.	.	PUNCT
fsr-3908	127	1	the	the	DET
fsr-3908	127	2	hrs	hrs	NOUN
fsr-3908	127	3	contains	contain	VERB
fsr-3908	127	4	the	the	DET
fsr-3908	127	5	information	information	NOUN
fsr-3908	127	6	necessary	necessary	ADJ
fsr-3908	127	7	to	to	PART
fsr-3908	127	8	estimate	estimate	VERB
fsr-3908	127	9	a	a	DET
fsr-3908	127	10	dollar	dollar	NOUN
fsr-3908	127	11	amount	amount	NOUN
fsr-3908	127	12	of	of	ADP
fsr-3908	127	13	expected	expect	VERB
fsr-3908	127	14	pension	pension	NOUN
fsr-3908	127	15	benefits	benefit	NOUN
fsr-3908	127	16	;	;	PUNCT
fsr-3908	127	17	however	however	ADV
fsr-3908	127	18	,	,	PUNCT
fsr-3908	127	19	the	the	DET
fsr-3908	127	20	computation	computation	NOUN
fsr-3908	127	21	is	be	AUX
fsr-3908	127	22	complicated	complicated	ADJ
fsr-3908	127	23	.	.	PUNCT
fsr-3908	128	1	mitchell	mitchell	PROPN
fsr-3908	128	2	and	and	CCONJ
fsr-3908	128	3	moore	moore	PROPN
fsr-3908	128	4	(	(	PUNCT
fsr-3908	128	5	1997	1997	NUM
fsr-3908	128	6	)	)	PUNCT
fsr-3908	128	7	discuss	discuss	VERB
fsr-3908	128	8	the	the	DET
fsr-3908	128	9	complexities	complexity	NOUN
fsr-3908	128	10	of	of	ADP
fsr-3908	128	11	estimating	estimate	VERB
fsr-3908	128	12	pension	pension	NOUN
fsr-3908	128	13	wealth	wealth	NOUN
fsr-3908	128	14	as	as	ADV
fsr-3908	128	15	well	well	ADV
fsr-3908	128	16	as	as	ADP
fsr-3908	128	17	the	the	DET
fsr-3908	128	18	problems	problem	NOUN
fsr-3908	128	19	of	of	ADP
fsr-3908	128	20	estimating	estimate	VERB
fsr-3908	128	21	“	"	PUNCT
fsr-3908	128	22	adequate	adequate	ADJ
fsr-3908	128	23	”	"	PUNCT
fsr-3908	128	24	retirement	retirement	NOUN
fsr-3908	128	25	saving	saving	NOUN
fsr-3908	128	26	.	.	PUNCT
fsr-3908	129	1	mcgarry	mcgarry	PROPN
fsr-3908	129	2	and	and	CCONJ
fsr-3908	129	3	davenport	davenport	PROPN
fsr-3908	129	4	(	(	PUNCT
fsr-3908	129	5	1997	1997	NUM
fsr-3908	129	6	)	)	PUNCT
fsr-3908	129	7	deal	deal	VERB
fsr-3908	129	8	specifically	specifically	ADV
fsr-3908	129	9	with	with	ADP
fsr-3908	129	10	some	some	PRON
fsr-3908	129	11	of	of	ADP
fsr-3908	129	12	the	the	DET
fsr-3908	129	13	assumptions	assumption	NOUN
fsr-3908	129	14	involved	involve	VERB
fsr-3908	129	15	in	in	ADP
fsr-3908	129	16	the	the	DET
fsr-3908	129	17	estimation	estimation	NOUN
fsr-3908	129	18	process	process	NOUN
fsr-3908	129	19	.	.	PUNCT
fsr-3908	130	1	a	a	DET
fsr-3908	130	2	question	question	NOUN
fsr-3908	130	3	of	of	ADP
fsr-3908	130	4	interest	interest	NOUN
fsr-3908	130	5	in	in	ADP
fsr-3908	130	6	future	future	ADJ
fsr-3908	130	7	research	research	NOUN
fsr-3908	130	8	is	be	AUX
fsr-3908	130	9	how	how	SCONJ
fsr-3908	130	10	well	well	ADV
fsr-3908	130	11	individuals	individual	NOUN
fsr-3908	130	12	understand	understand	VERB
fsr-3908	130	13	their	their	PRON
fsr-3908	130	14	pension	pension	NOUN
fsr-3908	130	15	benefits	benefit	NOUN
fsr-3908	130	16	and	and	CCONJ
fsr-3908	130	17	whether	whether	SCONJ
fsr-3908	130	18	their	their	PRON
fsr-3908	130	19	expectations	expectation	NOUN
fsr-3908	130	20	correspond	correspond	VERB
fsr-3908	130	21	with	with	ADP
fsr-3908	130	22	the	the	DET
fsr-3908	130	23	benefits	benefit	NOUN
fsr-3908	130	24	projected	project	VERB
fsr-3908	130	25	by	by	ADP
fsr-3908	130	26	their	their	PRON
fsr-3908	130	27	employers	employer	NOUN
fsr-3908	130	28	.	.	PUNCT
fsr-3908	131	1	3.3	3.3	NUM
fsr-3908	131	2	.	.	PUNCT
fsr-3908	132	1	demographic	demographic	ADJ
fsr-3908	132	2	variables	variable	NOUN
fsr-3908	132	3	in	in	ADP
fsr-3908	132	4	addition	addition	NOUN
fsr-3908	132	5	to	to	ADP
fsr-3908	132	6	the	the	DET
fsr-3908	132	7	variables	variable	NOUN
fsr-3908	132	8	that	that	PRON
fsr-3908	132	9	directly	directly	ADV
fsr-3908	132	10	reflect	reflect	VERB
fsr-3908	132	11	the	the	DET
fsr-3908	132	12	ability	ability	NOUN
fsr-3908	132	13	to	to	PART
fsr-3908	132	14	replace	replace	VERB
fsr-3908	132	15	income	income	NOUN
fsr-3908	132	16	,	,	PUNCT
fsr-3908	132	17	variables	variable	NOUN
fsr-3908	132	18	reflecting	reflect	VERB
fsr-3908	132	19	demographic	demographic	ADJ
fsr-3908	132	20	and	and	CCONJ
fsr-3908	132	21	life	life	NOUN
fsr-3908	132	22	situation	situation	NOUN
fsr-3908	132	23	differences	difference	NOUN
fsr-3908	132	24	are	be	AUX
fsr-3908	132	25	included	include	VERB
fsr-3908	132	26	in	in	ADP
fsr-3908	132	27	both	both	CCONJ
fsr-3908	132	28	the	the	DET
fsr-3908	132	29	accumulated	accumulate	VERB
fsr-3908	132	30	saving	saving	NOUN
fsr-3908	132	31	and	and	CCONJ
fsr-3908	132	32	standard	standard	NOUN
fsr-3908	132	33	of	of	ADP
fsr-3908	132	34	living	living	NOUN
fsr-3908	132	35	models	model	NOUN
fsr-3908	132	36	.	.	PUNCT
fsr-3908	133	1	the	the	DET
fsr-3908	133	2	respondent	respondent	NOUN
fsr-3908	133	3	’s	’s	PART
fsr-3908	133	4	race	race	NOUN
fsr-3908	133	5	is	be	AUX
fsr-3908	133	6	coded	code	VERB
fsr-3908	133	7	as	as	ADP
fsr-3908	133	8	one	one	NUM
fsr-3908	133	9	if	if	SCONJ
fsr-3908	133	10	white	white	ADJ
fsr-3908	133	11	and	and	CCONJ
fsr-3908	133	12	zero	zero	NUM
fsr-3908	133	13	otherwise	otherwise	ADV
fsr-3908	133	14	.	.	PUNCT
fsr-3908	134	1	the	the	DET
fsr-3908	134	2	education	education	NOUN
fsr-3908	134	3	level	level	NOUN
fsr-3908	134	4	is	be	AUX
fsr-3908	134	5	measured	measure	VERB
fsr-3908	134	6	in	in	ADP
fsr-3908	134	7	years	year	NOUN
fsr-3908	134	8	of	of	ADP
fsr-3908	134	9	education	education	NOUN
fsr-3908	134	10	.	.	PUNCT
fsr-3908	135	1	since	since	SCONJ
fsr-3908	135	2	marital	marital	ADJ
fsr-3908	135	3	and	and	CCONJ
fsr-3908	135	4	health	health	PROPN
fsr-3908	135	5	38	38	NUM
fsr-3908	135	6	h.w	h.w	PROPN
fsr-3908	135	7	.	.	PROPN
fsr-3908	135	8	elder	elder	PROPN
fsr-3908	135	9	,	,	PUNCT
fsr-3908	135	10	p.m.	p.m.	NOUN
fsr-3908	135	11	rudolph	rudolph	PROPN
fsr-3908	135	12	/	/	SYM
fsr-3908	135	13	financial	financial	ADJ
fsr-3908	135	14	services	service	NOUN
fsr-3908	135	15	review	review	VERB
fsr-3908	135	16	9	9	NUM
fsr-3908	135	17	(	(	PUNCT
fsr-3908	135	18	2000	2000	NUM
fsr-3908	135	19	)	)	PUNCT
fsr-3908	135	20	33–45	33–45	NUM
fsr-3908	135	21	status	status	NOUN
fsr-3908	135	22	may	may	AUX
fsr-3908	135	23	both	both	PRON
fsr-3908	135	24	affect	affect	VERB
fsr-3908	135	25	the	the	DET
fsr-3908	135	26	need	need	NOUN
fsr-3908	135	27	for	for	ADP
fsr-3908	135	28	accumulated	accumulate	VERB
fsr-3908	135	29	savings	saving	NOUN
fsr-3908	135	30	,	,	PUNCT
fsr-3908	135	31	“	"	PUNCT
fsr-3908	135	32	married	marry	VERB
fsr-3908	135	33	”	"	PUNCT
fsr-3908	135	34	is	be	AUX
fsr-3908	135	35	used	use	VERB
fsr-3908	135	36	to	to	PART
fsr-3908	135	37	designate	designate	VERB
fsr-3908	135	38	those	those	PRON
fsr-3908	135	39	who	who	PRON
fsr-3908	135	40	indicate	indicate	VERB
fsr-3908	135	41	they	they	PRON
fsr-3908	135	42	have	have	VERB
fsr-3908	135	43	partners	partner	NOUN
fsr-3908	135	44	of	of	ADP
fsr-3908	135	45	the	the	DET
fsr-3908	135	46	same	same	ADJ
fsr-3908	135	47	or	or	CCONJ
fsr-3908	135	48	opposite	opposite	ADJ
fsr-3908	135	49	sex	sex	NOUN
fsr-3908	135	50	,	,	PUNCT
fsr-3908	135	51	and	and	CCONJ
fsr-3908	135	52	health	health	NOUN
fsr-3908	135	53	status	status	NOUN
fsr-3908	135	54	is	be	AUX
fsr-3908	135	55	an	an	DET
fsr-3908	135	56	indicator	indicator	NOUN
fsr-3908	135	57	variable	variable	NOUN
fsr-3908	135	58	that	that	PRON
fsr-3908	135	59	is	be	AUX
fsr-3908	135	60	based	base	VERB
fsr-3908	135	61	upon	upon	SCONJ
fsr-3908	135	62	a	a	DET
fsr-3908	135	63	self	self	NOUN
fsr-3908	135	64	-	-	PUNCT
fsr-3908	135	65	reported	report	VERB
fsr-3908	135	66	scale	scale	NOUN
fsr-3908	135	67	of	of	ADP
fsr-3908	135	68	physical	physical	ADJ
fsr-3908	135	69	health	health	NOUN
fsr-3908	135	70	.	.	PUNCT
fsr-3908	136	1	the	the	DET
fsr-3908	136	2	total	total	ADJ
fsr-3908	136	3	number	number	NOUN
fsr-3908	136	4	of	of	ADP
fsr-3908	136	5	children	child	NOUN
fsr-3908	136	6	and	and	CCONJ
fsr-3908	136	7	the	the	DET
fsr-3908	136	8	number	number	NOUN
fsr-3908	136	9	of	of	ADP
fsr-3908	136	10	children	child	NOUN
fsr-3908	136	11	at	at	ADP
fsr-3908	136	12	home	home	NOUN
fsr-3908	136	13	may	may	AUX
fsr-3908	136	14	affect	affect	VERB
fsr-3908	136	15	the	the	DET
fsr-3908	136	16	ability	ability	NOUN
fsr-3908	136	17	to	to	PART
fsr-3908	136	18	save	save	VERB
fsr-3908	136	19	for	for	ADP
fsr-3908	136	20	retirement	retirement	NOUN
fsr-3908	136	21	.	.	PUNCT
fsr-3908	137	1	4	4	X
fsr-3908	137	2	.	.	X
fsr-3908	137	3	statistical	statistical	ADJ
fsr-3908	137	4	methodology	methodology	NOUN
fsr-3908	137	5	in	in	ADP
fsr-3908	137	6	the	the	DET
fsr-3908	137	7	first	first	ADJ
fsr-3908	137	8	part	part	NOUN
fsr-3908	137	9	of	of	ADP
fsr-3908	137	10	our	our	PRON
fsr-3908	137	11	analysis	analysis	NOUN
fsr-3908	137	12	,	,	PUNCT
fsr-3908	137	13	the	the	DET
fsr-3908	137	14	level	level	NOUN
fsr-3908	137	15	of	of	ADP
fsr-3908	137	16	accumulated	accumulate	VERB
fsr-3908	137	17	savings	saving	NOUN
fsr-3908	137	18	is	be	AUX
fsr-3908	137	19	modeled	model	VERB
fsr-3908	137	20	using	use	VERB
fsr-3908	137	21	a	a	DET
fsr-3908	137	22	sample	sample	NOUN
fsr-3908	137	23	selection	selection	NOUN
fsr-3908	137	24	technique	technique	NOUN
fsr-3908	137	25	rather	rather	ADV
fsr-3908	137	26	than	than	ADP
fsr-3908	137	27	a	a	DET
fsr-3908	137	28	simple	simple	ADJ
fsr-3908	137	29	regression	regression	NOUN
fsr-3908	137	30	.	.	PUNCT
fsr-3908	138	1	the	the	DET
fsr-3908	138	2	level	level	NOUN
fsr-3908	138	3	of	of	ADP
fsr-3908	138	4	accumulated	accumulate	VERB
fsr-3908	138	5	savings	saving	NOUN
fsr-3908	138	6	is	be	AUX
fsr-3908	138	7	a	a	DET
fsr-3908	138	8	function	function	NOUN
fsr-3908	138	9	of	of	ADP
fsr-3908	138	10	the	the	DET
fsr-3908	138	11	binary	binary	ADJ
fsr-3908	138	12	variable	variable	NOUN
fsr-3908	138	13	for	for	ADP
fsr-3908	138	14	pension	pension	NOUN
fsr-3908	138	15	plan	plan	NOUN
fsr-3908	138	16	participation	participation	NOUN
fsr-3908	138	17	and	and	CCONJ
fsr-3908	138	18	other	other	ADJ
fsr-3908	138	19	explanatory	explanatory	ADJ
fsr-3908	138	20	variables	variable	NOUN
fsr-3908	138	21	.	.	PUNCT
fsr-3908	139	1	the	the	DET
fsr-3908	139	2	use	use	NOUN
fsr-3908	139	3	of	of	ADP
fsr-3908	139	4	this	this	DET
fsr-3908	139	5	binary	binary	ADJ
fsr-3908	139	6	variable	variable	NOUN
fsr-3908	139	7	may	may	AUX
fsr-3908	139	8	introduce	introduce	VERB
fsr-3908	139	9	a	a	DET
fsr-3908	139	10	sample	sample	NOUN
fsr-3908	139	11	selection	selection	NOUN
fsr-3908	139	12	bias	bias	NOUN
fsr-3908	139	13	if	if	SCONJ
fsr-3908	139	14	pension	pension	NOUN
fsr-3908	139	15	plan	plan	NOUN
fsr-3908	139	16	participation	participation	NOUN
fsr-3908	139	17	is	be	AUX
fsr-3908	139	18	systematically	systematically	ADV
fsr-3908	139	19	related	relate	VERB
fsr-3908	139	20	to	to	ADP
fsr-3908	139	21	the	the	DET
fsr-3908	139	22	other	other	ADJ
fsr-3908	139	23	explanatory	explanatory	ADJ
fsr-3908	139	24	variables	variable	NOUN
fsr-3908	139	25	.	.	PUNCT
fsr-3908	140	1	to	to	PART
fsr-3908	140	2	take	take	VERB
fsr-3908	140	3	account	account	NOUN
fsr-3908	140	4	of	of	ADP
fsr-3908	140	5	this	this	DET
fsr-3908	140	6	potential	potential	ADJ
fsr-3908	140	7	problem	problem	NOUN
fsr-3908	140	8	,	,	PUNCT
fsr-3908	140	9	a	a	DET
fsr-3908	140	10	two	two	NUM
fsr-3908	140	11	-	-	PUNCT
fsr-3908	140	12	stage	stage	NOUN
fsr-3908	140	13	heckman	heckman	NOUN
fsr-3908	140	14	procedure	procedure	NOUN
fsr-3908	140	15	is	be	AUX
fsr-3908	140	16	used	use	VERB
fsr-3908	140	17	.	.	PUNCT
fsr-3908	141	1	in	in	ADP
fsr-3908	141	2	the	the	DET
fsr-3908	141	3	first	first	ADJ
fsr-3908	141	4	stage	stage	NOUN
fsr-3908	141	5	,	,	PUNCT
fsr-3908	141	6	a	a	DET
fsr-3908	141	7	probit	probit	NOUN
fsr-3908	141	8	model	model	NOUN
fsr-3908	141	9	of	of	ADP
fsr-3908	141	10	pension	pension	NOUN
fsr-3908	141	11	plan	plan	NOUN
fsr-3908	141	12	participation	participation	NOUN
fsr-3908	141	13	is	be	AUX
fsr-3908	141	14	estimated	estimate	VERB
fsr-3908	141	15	using	use	VERB
fsr-3908	141	16	the	the	DET
fsr-3908	141	17	other	other	ADJ
fsr-3908	141	18	explanatory	explanatory	ADJ
fsr-3908	141	19	variables	variable	NOUN
fsr-3908	141	20	as	as	ADP
fsr-3908	141	21	right	right	ADJ
fsr-3908	141	22	hand	hand	NOUN
fsr-3908	141	23	side	side	NOUN
fsr-3908	141	24	variables	variable	NOUN
fsr-3908	141	25	.	.	PUNCT
fsr-3908	142	1	from	from	ADP
fsr-3908	142	2	this	this	DET
fsr-3908	142	3	estimate	estimate	NOUN
fsr-3908	142	4	,	,	PUNCT
fsr-3908	142	5	the	the	DET
fsr-3908	142	6	inverse	inverse	NOUN
fsr-3908	142	7	mills	mill	NOUN
fsr-3908	142	8	ratio	ratio	NOUN
fsr-3908	142	9	(	(	PUNCT
fsr-3908	142	10	generally	generally	ADV
fsr-3908	142	11	referred	refer	VERB
fsr-3908	142	12	to	to	ADP
fsr-3908	142	13	as	as	ADP
fsr-3908	142	14	“	"	PUNCT
fsr-3908	142	15	lambda	lambda	NOUN
fsr-3908	142	16	”	"	PUNCT
fsr-3908	142	17	)	)	PUNCT
fsr-3908	142	18	is	be	AUX
fsr-3908	142	19	calculated	calculate	VERB
fsr-3908	142	20	and	and	CCONJ
fsr-3908	142	21	included	include	VERB
fsr-3908	142	22	as	as	ADP
fsr-3908	142	23	an	an	DET
fsr-3908	142	24	explanatory	explanatory	ADJ
fsr-3908	142	25	variable	variable	NOUN
fsr-3908	142	26	in	in	ADP
fsr-3908	142	27	the	the	DET
fsr-3908	142	28	second	second	ADJ
fsr-3908	142	29	-	-	PUNCT
fsr-3908	142	30	stage	stage	NOUN
fsr-3908	142	31	,	,	PUNCT
fsr-3908	142	32	leastsquares	leastsquare	VERB
fsr-3908	142	33	regression	regression	NOUN
fsr-3908	142	34	.	.	PUNCT
fsr-3908	143	1	if	if	SCONJ
fsr-3908	143	2	the	the	DET
fsr-3908	143	3	lambda	lambda	ADJ
fsr-3908	143	4	variable	variable	NOUN
fsr-3908	143	5	is	be	AUX
fsr-3908	143	6	significant	significant	ADJ
fsr-3908	143	7	,	,	PUNCT
fsr-3908	143	8	the	the	DET
fsr-3908	143	9	use	use	NOUN
fsr-3908	143	10	of	of	ADP
fsr-3908	143	11	the	the	DET
fsr-3908	143	12	pension	pension	NOUN
fsr-3908	143	13	plan	plan	NOUN
fsr-3908	143	14	participation	participation	NOUN
fsr-3908	143	15	variable	variable	NOUN
fsr-3908	143	16	in	in	ADP
fsr-3908	143	17	a	a	DET
fsr-3908	143	18	simple	simple	ADJ
fsr-3908	143	19	regression	regression	NOUN
fsr-3908	143	20	model	model	NOUN
fsr-3908	143	21	would	would	AUX
fsr-3908	143	22	introduce	introduce	VERB
fsr-3908	143	23	a	a	DET
fsr-3908	143	24	sample	sample	NOUN
fsr-3908	143	25	selection	selection	NOUN
fsr-3908	143	26	bias	bias	NOUN
fsr-3908	143	27	.	.	PUNCT
fsr-3908	144	1	the	the	DET
fsr-3908	144	2	second	second	ADJ
fsr-3908	144	3	component	component	NOUN
fsr-3908	144	4	of	of	ADP
fsr-3908	144	5	the	the	DET
fsr-3908	144	6	analysis	analysis	NOUN
fsr-3908	144	7	investigates	investigate	VERB
fsr-3908	144	8	the	the	DET
fsr-3908	144	9	“	"	PUNCT
fsr-3908	144	10	expected	expect	VERB
fsr-3908	144	11	standard	standard	NOUN
fsr-3908	144	12	of	of	ADP
fsr-3908	144	13	living	live	VERB
fsr-3908	144	14	in	in	ADP
fsr-3908	144	15	retirement	retirement	NOUN
fsr-3908	144	16	”	"	PUNCT
fsr-3908	144	17	equation	equation	NOUN
fsr-3908	144	18	,	,	PUNCT
fsr-3908	144	19	by	by	ADP
fsr-3908	144	20	estimating	estimate	VERB
fsr-3908	144	21	an	an	DET
fsr-3908	144	22	ordered	order	VERB
fsr-3908	144	23	probit	probit	NOUN
fsr-3908	144	24	model	model	NOUN
fsr-3908	144	25	.	.	PUNCT
fsr-3908	145	1	as	as	SCONJ
fsr-3908	145	2	can	can	AUX
fsr-3908	145	3	be	be	AUX
fsr-3908	145	4	seen	see	VERB
fsr-3908	145	5	in	in	ADP
fsr-3908	145	6	the	the	DET
fsr-3908	145	7	form	form	NOUN
fsr-3908	145	8	that	that	SCONJ
fsr-3908	145	9	the	the	DET
fsr-3908	145	10	question	question	NOUN
fsr-3908	145	11	about	about	ADP
fsr-3908	145	12	retirement	retirement	NOUN
fsr-3908	145	13	living	live	VERB
fsr-3908	145	14	standard	standard	NOUN
fsr-3908	145	15	is	be	AUX
fsr-3908	145	16	posed	pose	VERB
fsr-3908	145	17	(	(	PUNCT
fsr-3908	145	18	see	see	VERB
fsr-3908	145	19	above	above	ADV
fsr-3908	145	20	)	)	PUNCT
fsr-3908	145	21	,	,	PUNCT
fsr-3908	145	22	respondents	respondent	NOUN
fsr-3908	145	23	provide	provide	VERB
fsr-3908	145	24	information	information	NOUN
fsr-3908	145	25	about	about	ADP
fsr-3908	145	26	their	their	PRON
fsr-3908	145	27	expected	expect	VERB
fsr-3908	145	28	standard	standard	NOUN
fsr-3908	145	29	of	of	ADP
fsr-3908	145	30	living	living	NOUN
fsr-3908	145	31	based	base	VERB
fsr-3908	145	32	upon	upon	SCONJ
fsr-3908	145	33	an	an	DET
fsr-3908	145	34	ordinal	ordinal	ADJ
fsr-3908	145	35	ranking	ranking	NOUN
fsr-3908	145	36	of	of	ADP
fsr-3908	145	37	the	the	DET
fsr-3908	145	38	choices	choice	NOUN
fsr-3908	145	39	,	,	PUNCT
fsr-3908	145	40	choosing	choose	VERB
fsr-3908	145	41	the	the	DET
fsr-3908	145	42	selection	selection	NOUN
fsr-3908	145	43	that	that	PRON
fsr-3908	145	44	most	most	ADV
fsr-3908	145	45	closely	closely	ADV
fsr-3908	145	46	corresponds	correspond	VERB
fsr-3908	145	47	to	to	ADP
fsr-3908	145	48	their	their	PRON
fsr-3908	145	49	true	true	ADJ
fsr-3908	145	50	level	level	NOUN
fsr-3908	145	51	of	of	ADP
fsr-3908	145	52	expectations	expectation	NOUN
fsr-3908	145	53	.	.	PUNCT
fsr-3908	146	1	an	an	DET
fsr-3908	146	2	ordered	order	VERB
fsr-3908	146	3	probit	probit	NOUN
fsr-3908	146	4	model	model	NOUN
fsr-3908	146	5	can	can	AUX
fsr-3908	146	6	provide	provide	VERB
fsr-3908	146	7	useful	useful	ADJ
fsr-3908	146	8	insights	insight	NOUN
fsr-3908	146	9	about	about	ADP
fsr-3908	146	10	this	this	DET
fsr-3908	146	11	type	type	NOUN
fsr-3908	146	12	of	of	ADP
fsr-3908	146	13	question	question	NOUN
fsr-3908	146	14	(	(	PUNCT
fsr-3908	146	15	see	see	VERB
fsr-3908	146	16	zavoina	zavoina	NOUN
fsr-3908	146	17	&	&	CCONJ
fsr-3908	146	18	mcelvey	mcelvey	PROPN
fsr-3908	146	19	,	,	PUNCT
fsr-3908	146	20	1975	1975	NUM
fsr-3908	146	21	)	)	PUNCT
fsr-3908	146	22	.	.	PUNCT
fsr-3908	147	1	this	this	DET
fsr-3908	147	2	model	model	NOUN
fsr-3908	147	3	is	be	AUX
fsr-3908	147	4	a	a	DET
fsr-3908	147	5	latent	latent	NOUN
fsr-3908	147	6	regression	regression	NOUN
fsr-3908	147	7	procedure	procedure	NOUN
fsr-3908	147	8	that	that	PRON
fsr-3908	147	9	assumes	assume	VERB
fsr-3908	147	10	that	that	SCONJ
fsr-3908	147	11	an	an	DET
fsr-3908	147	12	underlying	underlying	ADJ
fsr-3908	147	13	measure	measure	NOUN
fsr-3908	147	14	of	of	ADP
fsr-3908	147	15	expectations	expectation	NOUN
fsr-3908	147	16	exists	exist	VERB
fsr-3908	147	17	but	but	CCONJ
fsr-3908	147	18	that	that	SCONJ
fsr-3908	147	19	its	its	PRON
fsr-3908	147	20	value	value	NOUN
fsr-3908	147	21	can	can	AUX
fsr-3908	147	22	not	not	PART
fsr-3908	147	23	be	be	AUX
fsr-3908	147	24	observed	observe	VERB
fsr-3908	147	25	.	.	PUNCT
fsr-3908	148	1	thus	thus	ADV
fsr-3908	148	2	,	,	PUNCT
fsr-3908	148	3	the	the	DET
fsr-3908	148	4	true	true	ADJ
fsr-3908	148	5	model	model	NOUN
fsr-3908	148	6	is	be	AUX
fsr-3908	148	7	y	y	PROPN
fsr-3908	148	8	*	*	PROPN
fsr-3908	148	9	5	5	NUM
fsr-3908	148	10	b9x	b9x	NOUN
fsr-3908	148	11	1	1	NUM
fsr-3908	148	12	e	e	NOUN
fsr-3908	148	13	,	,	PUNCT
fsr-3908	148	14	(	(	PUNCT
fsr-3908	148	15	1	1	NUM
fsr-3908	148	16	)	)	PUNCT
fsr-3908	148	17	but	but	CCONJ
fsr-3908	148	18	y	y	X
fsr-3908	148	19	*	*	PROPN
fsr-3908	148	20	is	be	AUX
fsr-3908	148	21	unobserved	unobserved	ADJ
fsr-3908	148	22	.	.	PUNCT
fsr-3908	149	1	instead	instead	ADV
fsr-3908	149	2	,	,	PUNCT
fsr-3908	149	3	we	we	PRON
fsr-3908	149	4	observe	observe	VERB
fsr-3908	149	5	values	value	NOUN
fsr-3908	149	6	ofy	ofy	PROPN
fsr-3908	149	7	,	,	PUNCT
fsr-3908	149	8	which	which	PRON
fsr-3908	149	9	correspond	correspond	VERB
fsr-3908	149	10	to	to	ADP
fsr-3908	149	11	this	this	DET
fsr-3908	149	12	person	person	NOUN
fsr-3908	149	13	’s	’s	PART
fsr-3908	149	14	expected	expect	VERB
fsr-3908	149	15	standard	standard	NOUN
fsr-3908	149	16	of	of	ADP
fsr-3908	149	17	living	living	NOUN
fsr-3908	149	18	,	,	PUNCT
fsr-3908	149	19	with	with	ADP
fsr-3908	149	20	values	value	NOUN
fsr-3908	149	21	starting	start	VERB
fsr-3908	149	22	at	at	ADP
fsr-3908	149	23	0	0	NUM
fsr-3908	149	24	and	and	CCONJ
fsr-3908	149	25	increasing	increase	VERB
fsr-3908	149	26	by	by	ADP
fsr-3908	149	27	units	unit	NOUN
fsr-3908	149	28	of	of	ADP
fsr-3908	149	29	one	one	NUM
fsr-3908	149	30	as	as	ADP
fsr-3908	149	31	the	the	DET
fsr-3908	149	32	expected	expect	VERB
fsr-3908	149	33	standard	standard	NOUN
fsr-3908	149	34	of	of	ADP
fsr-3908	149	35	living	living	NOUN
fsr-3908	149	36	increases	increase	NOUN
fsr-3908	149	37	.	.	PUNCT
fsr-3908	150	1	these	these	DET
fsr-3908	150	2	responses	response	NOUN
fsr-3908	150	3	correspond	correspond	VERB
fsr-3908	150	4	to	to	ADP
fsr-3908	150	5	a	a	DET
fsr-3908	150	6	set	set	NOUN
fsr-3908	150	7	of	of	ADP
fsr-3908	150	8	parameters	parameter	NOUN
fsr-3908	150	9	,	,	PUNCT
fsr-3908	150	10	usually	usually	ADV
fsr-3908	150	11	labeledm	labeledm	X
fsr-3908	150	12	’s	’s	ADV
fsr-3908	150	13	,	,	PUNCT
fsr-3908	150	14	that	that	PRON
fsr-3908	150	15	partitions	partition	VERB
fsr-3908	150	16	the	the	DET
fsr-3908	150	17	distribution	distribution	NOUN
fsr-3908	150	18	ofy	ofy	NOUN
fsr-3908	150	19	*	*	PUNCT
fsr-3908	150	20	.	.	PUNCT
fsr-3908	151	1	the	the	DET
fsr-3908	151	2	estimation	estimation	NOUN
fsr-3908	151	3	procedure	procedure	NOUN
fsr-3908	151	4	thus	thus	ADV
fsr-3908	151	5	determines	determine	VERB
fsr-3908	151	6	the	the	DET
fsr-3908	151	7	probability	probability	NOUN
fsr-3908	151	8	that	that	SCONJ
fsr-3908	151	9	the	the	DET
fsr-3908	151	10	valuey	valuey	NOUN
fsr-3908	151	11	*	*	PUNCT
fsr-3908	151	12	falls	fall	VERB
fsr-3908	151	13	into	into	ADP
fsr-3908	151	14	a	a	DET
fsr-3908	151	15	range	range	NOUN
fsr-3908	151	16	of	of	ADP
fsr-3908	151	17	themi	themi	NOUN
fsr-3908	151	18	’s	’s	ADJ
fsr-3908	151	19	as	as	ADP
fsr-3908	151	20	established	establish	VERB
fsr-3908	151	21	by	by	ADP
fsr-3908	151	22	the	the	DET
fsr-3908	151	23	observed	observe	VERB
fsr-3908	151	24	values	value	NOUN
fsr-3908	151	25	of	of	ADP
fsr-3908	151	26	y	y	PROPN
fsr-3908	151	27	(	(	PUNCT
fsr-3908	151	28	in	in	ADP
fsr-3908	151	29	this	this	DET
fsr-3908	151	30	case	case	NOUN
fsr-3908	151	31	,	,	PUNCT
fsr-3908	151	32	the	the	DET
fsr-3908	151	33	responses	response	NOUN
fsr-3908	151	34	to	to	ADP
fsr-3908	151	35	the	the	DET
fsr-3908	151	36	questions	question	NOUN
fsr-3908	151	37	of	of	ADP
fsr-3908	151	38	expected	expect	VERB
fsr-3908	151	39	standard	standard	NOUN
fsr-3908	151	40	of	of	ADP
fsr-3908	151	41	living	living	NOUN
fsr-3908	151	42	)	)	PUNCT
fsr-3908	151	43	.	.	PUNCT
fsr-3908	152	1	this	this	DET
fsr-3908	152	2	model	model	NOUN
fsr-3908	152	3	assumes	assume	VERB
fsr-3908	152	4	thate	thate	NOUN
fsr-3908	152	5	is	be	AUX
fsr-3908	152	6	normally	normally	ADV
fsr-3908	152	7	distributed	distribute	VERB
fsr-3908	152	8	and	and	CCONJ
fsr-3908	152	9	the	the	DET
fsr-3908	152	10	mean	mean	NOUN
fsr-3908	152	11	and	and	CCONJ
fsr-3908	152	12	variance	variance	NOUN
fsr-3908	152	13	ofe	ofe	INTJ
fsr-3908	152	14	are	be	AUX
fsr-3908	152	15	normalized	normalize	VERB
fsr-3908	152	16	to	to	ADP
fsr-3908	152	17	zero	zero	NUM
fsr-3908	152	18	and	and	CCONJ
fsr-3908	152	19	one	one	NUM
fsr-3908	152	20	,	,	PUNCT
fsr-3908	152	21	respectively	respectively	ADV
fsr-3908	152	22	.	.	PUNCT
fsr-3908	153	1	5	5	X
fsr-3908	153	2	.	.	PUNCT
fsr-3908	153	3	empirical	empirical	ADJ
fsr-3908	153	4	results	result	NOUN
fsr-3908	153	5	5.1	5.1	NUM
fsr-3908	153	6	.	.	PUNCT
fsr-3908	154	1	actual	actual	ADJ
fsr-3908	154	2	and	and	CCONJ
fsr-3908	154	3	expected	expect	VERB
fsr-3908	154	4	savings	saving	NOUN
fsr-3908	154	5	accumulations	accumulation	NOUN
fsr-3908	154	6	before	before	ADP
fsr-3908	154	7	examining	examine	VERB
fsr-3908	154	8	the	the	DET
fsr-3908	154	9	findings	finding	NOUN
fsr-3908	154	10	concerning	concern	VERB
fsr-3908	154	11	the	the	DET
fsr-3908	154	12	factors	factor	NOUN
fsr-3908	154	13	affecting	affect	VERB
fsr-3908	154	14	accumulated	accumulate	VERB
fsr-3908	154	15	savings	saving	NOUN
fsr-3908	154	16	by	by	ADP
fsr-3908	154	17	the	the	DET
fsr-3908	154	18	respondents	respondent	NOUN
fsr-3908	154	19	,	,	PUNCT
fsr-3908	154	20	it	it	PRON
fsr-3908	154	21	may	may	AUX
fsr-3908	154	22	be	be	AUX
fsr-3908	154	23	helpful	helpful	ADJ
fsr-3908	154	24	to	to	PART
fsr-3908	154	25	consider	consider	VERB
fsr-3908	154	26	the	the	DET
fsr-3908	154	27	determinants	determinant	NOUN
fsr-3908	154	28	of	of	ADP
fsr-3908	154	29	pension	pension	NOUN
fsr-3908	154	30	plan	plan	NOUN
fsr-3908	154	31	participation	participation	NOUN
fsr-3908	154	32	.	.	PUNCT
fsr-3908	155	1	39h.w	39h.w	NUM
fsr-3908	155	2	.	.	PUNCT
fsr-3908	156	1	elder	elder	NOUN
fsr-3908	156	2	,	,	PUNCT
fsr-3908	156	3	p.m.	p.m.	NOUN
fsr-3908	156	4	rudolph	rudolph	PROPN
fsr-3908	156	5	/	/	SYM
fsr-3908	156	6	financial	financial	ADJ
fsr-3908	156	7	services	service	NOUN
fsr-3908	156	8	review	review	VERB
fsr-3908	156	9	9	9	NUM
fsr-3908	156	10	(	(	PUNCT
fsr-3908	156	11	2000	2000	NUM
fsr-3908	156	12	)	)	PUNCT
fsr-3908	156	13	33–45	33–45	NUM
fsr-3908	156	14	while	while	SCONJ
fsr-3908	156	15	these	these	DET
fsr-3908	156	16	estimates	estimate	NOUN
fsr-3908	156	17	are	be	AUX
fsr-3908	156	18	produced	produce	VERB
fsr-3908	156	19	primarily	primarily	ADV
fsr-3908	156	20	to	to	PART
fsr-3908	156	21	evaluate	evaluate	VERB
fsr-3908	156	22	and	and	CCONJ
fsr-3908	156	23	control	control	VERB
fsr-3908	156	24	for	for	ADP
fsr-3908	156	25	selection	selection	NOUN
fsr-3908	156	26	bias	bias	NOUN
fsr-3908	156	27	,	,	PUNCT
fsr-3908	156	28	they	they	PRON
fsr-3908	156	29	also	also	ADV
fsr-3908	156	30	provide	provide	VERB
fsr-3908	156	31	a	a	DET
fsr-3908	156	32	profile	profile	NOUN
fsr-3908	156	33	of	of	ADP
fsr-3908	156	34	the	the	DET
fsr-3908	156	35	type	type	NOUN
fsr-3908	156	36	of	of	ADP
fsr-3908	156	37	individuals	individual	NOUN
fsr-3908	156	38	who	who	PRON
fsr-3908	156	39	are	be	AUX
fsr-3908	156	40	more	more	ADV
fsr-3908	156	41	(	(	PUNCT
fsr-3908	156	42	or	or	CCONJ
fsr-3908	156	43	less	less	ADJ
fsr-3908	156	44	)	)	PUNCT
fsr-3908	156	45	likely	likely	ADJ
fsr-3908	156	46	to	to	PART
fsr-3908	156	47	receive	receive	VERB
fsr-3908	156	48	pension	pension	NOUN
fsr-3908	156	49	benefits	benefit	NOUN
fsr-3908	156	50	upon	upon	SCONJ
fsr-3908	156	51	retirement	retirement	NOUN
fsr-3908	156	52	.	.	PUNCT
fsr-3908	157	1	these	these	DET
fsr-3908	157	2	results	result	NOUN
fsr-3908	157	3	,	,	PUNCT
fsr-3908	157	4	as	as	SCONJ
fsr-3908	157	5	are	be	AUX
fsr-3908	157	6	the	the	DET
fsr-3908	157	7	accumulated	accumulate	VERB
fsr-3908	157	8	and	and	CCONJ
fsr-3908	157	9	expected	expect	VERB
fsr-3908	157	10	savings	saving	NOUN
fsr-3908	157	11	estimates	estimate	NOUN
fsr-3908	157	12	,	,	PUNCT
fsr-3908	157	13	are	be	AUX
fsr-3908	157	14	displayed	display	VERB
fsr-3908	157	15	in	in	ADP
fsr-3908	157	16	table	table	NOUN
fsr-3908	157	17	2	2	NUM
fsr-3908	157	18	.	.	PUNCT
fsr-3908	158	1	in	in	ADP
fsr-3908	158	2	general	general	ADJ
fsr-3908	158	3	,	,	PUNCT
fsr-3908	158	4	the	the	DET
fsr-3908	158	5	results	result	NOUN
fsr-3908	158	6	shown	show	VERB
fsr-3908	158	7	in	in	ADP
fsr-3908	158	8	these	these	DET
fsr-3908	158	9	estimates	estimate	NOUN
fsr-3908	158	10	,	,	PUNCT
fsr-3908	158	11	found	find	VERB
fsr-3908	158	12	in	in	ADP
fsr-3908	158	13	the	the	DET
fsr-3908	158	14	first	first	ADJ
fsr-3908	158	15	column	column	NOUN
fsr-3908	158	16	of	of	ADP
fsr-3908	158	17	the	the	DET
fsr-3908	158	18	table	table	NOUN
fsr-3908	158	19	,	,	PUNCT
fsr-3908	158	20	are	be	AUX
fsr-3908	158	21	quite	quite	ADV
fsr-3908	158	22	consistent	consistent	ADJ
fsr-3908	158	23	with	with	ADP
fsr-3908	158	24	one	one	NUM
fsr-3908	158	25	’s	’s	PART
fsr-3908	158	26	intuition	intuition	NOUN
fsr-3908	158	27	about	about	ADP
fsr-3908	158	28	a	a	DET
fsr-3908	158	29	typical	typical	ADJ
fsr-3908	158	30	individual	individual	NOUN
fsr-3908	158	31	who	who	PRON
fsr-3908	158	32	is	be	AUX
fsr-3908	158	33	a	a	DET
fsr-3908	158	34	participant	participant	NOUN
fsr-3908	158	35	in	in	ADP
fsr-3908	158	36	a	a	DET
fsr-3908	158	37	pension	pension	NOUN
fsr-3908	158	38	plan	plan	NOUN
fsr-3908	158	39	.	.	PUNCT
fsr-3908	159	1	the	the	DET
fsr-3908	159	2	estimates	estimate	NOUN
fsr-3908	159	3	show	show	VERB
fsr-3908	159	4	that	that	SCONJ
fsr-3908	159	5	participants	participant	NOUN
fsr-3908	159	6	are	be	AUX
fsr-3908	159	7	more	more	ADV
fsr-3908	159	8	likely	likely	ADJ
fsr-3908	159	9	to	to	PART
fsr-3908	159	10	be	be	AUX
fsr-3908	159	11	male	male	ADJ
fsr-3908	159	12	,	,	PUNCT
fsr-3908	159	13	to	to	PART
fsr-3908	159	14	have	have	VERB
fsr-3908	159	15	more	more	ADJ
fsr-3908	159	16	education	education	NOUN
fsr-3908	159	17	and	and	CCONJ
fsr-3908	159	18	higher	high	ADJ
fsr-3908	159	19	income	income	NOUN
fsr-3908	159	20	,	,	PUNCT
fsr-3908	159	21	and	and	CCONJ
fsr-3908	159	22	to	to	PART
fsr-3908	159	23	have	have	AUX
fsr-3908	159	24	worked	work	VERB
fsr-3908	159	25	longer	long	ADV
fsr-3908	159	26	for	for	ADP
fsr-3908	159	27	their	their	PRON
fsr-3908	159	28	employers	employer	NOUN
fsr-3908	159	29	.	.	PUNCT
fsr-3908	160	1	as	as	SCONJ
fsr-3908	160	2	one	one	PRON
fsr-3908	160	3	would	would	AUX
fsr-3908	160	4	expect	expect	VERB
fsr-3908	160	5	,	,	PUNCT
fsr-3908	160	6	individuals	individual	NOUN
fsr-3908	160	7	who	who	PRON
fsr-3908	160	8	are	be	AUX
fsr-3908	160	9	self	self	NOUN
fsr-3908	160	10	employed	employ	VERB
fsr-3908	160	11	are	be	AUX
fsr-3908	160	12	significantly	significantly	ADV
fsr-3908	160	13	less	less	ADV
fsr-3908	160	14	likely	likely	ADJ
fsr-3908	160	15	to	to	PART
fsr-3908	160	16	be	be	AUX
fsr-3908	160	17	involved	involve	VERB
fsr-3908	160	18	in	in	ADP
fsr-3908	160	19	a	a	DET
fsr-3908	160	20	pension	pension	NOUN
fsr-3908	160	21	plan	plan	NOUN
fsr-3908	160	22	.	.	PUNCT
fsr-3908	161	1	interestingly	interestingly	ADV
fsr-3908	161	2	,	,	PUNCT
fsr-3908	161	3	younger	young	ADJ
fsr-3908	161	4	individuals	individual	NOUN
fsr-3908	161	5	are	be	AUX
fsr-3908	161	6	more	more	ADV
fsr-3908	161	7	likely	likely	ADJ
fsr-3908	161	8	to	to	PART
fsr-3908	161	9	participate	participate	VERB
fsr-3908	161	10	in	in	ADP
fsr-3908	161	11	a	a	DET
fsr-3908	161	12	pension	pension	NOUN
fsr-3908	161	13	plan	plan	NOUN
fsr-3908	161	14	.	.	PUNCT
fsr-3908	162	1	along	along	ADP
fsr-3908	162	2	the	the	DET
fsr-3908	162	3	same	same	ADJ
fsr-3908	162	4	lines	line	NOUN
fsr-3908	162	5	,	,	PUNCT
fsr-3908	162	6	married	married	ADJ
fsr-3908	162	7	respondents	respondent	NOUN
fsr-3908	162	8	are	be	AUX
fsr-3908	162	9	significantly	significantly	ADV
fsr-3908	162	10	less	less	ADV
fsr-3908	162	11	likely	likely	ADJ
fsr-3908	162	12	to	to	PART
fsr-3908	162	13	participate	participate	VERB
fsr-3908	162	14	.	.	PUNCT
fsr-3908	163	1	the	the	DET
fsr-3908	163	2	total	total	ADJ
fsr-3908	163	3	number	number	NOUN
fsr-3908	163	4	of	of	ADP
fsr-3908	163	5	children	child	NOUN
fsr-3908	163	6	(	(	PUNCT
fsr-3908	163	7	totkids	totkid	NOUN
fsr-3908	163	8	)	)	PUNCT
fsr-3908	163	9	is	be	AUX
fsr-3908	163	10	not	not	PART
fsr-3908	163	11	significant	significant	ADJ
fsr-3908	163	12	but	but	CCONJ
fsr-3908	163	13	the	the	DET
fsr-3908	163	14	number	number	NOUN
fsr-3908	163	15	of	of	ADP
fsr-3908	163	16	children	child	NOUN
fsr-3908	163	17	in	in	ADP
fsr-3908	163	18	the	the	DET
fsr-3908	163	19	home	home	NOUN
fsr-3908	163	20	(	(	PUNCT
fsr-3908	163	21	kidsah	kidsah	NOUN
fsr-3908	163	22	)	)	PUNCT
fsr-3908	163	23	has	have	VERB
fsr-3908	163	24	a	a	DET
fsr-3908	163	25	significant	significant	ADJ
fsr-3908	163	26	negative	negative	ADJ
fsr-3908	163	27	impact	impact	NOUN
fsr-3908	163	28	on	on	ADP
fsr-3908	163	29	pension	pension	NOUN
fsr-3908	163	30	participation	participation	NOUN
fsr-3908	163	31	.	.	PUNCT
fsr-3908	164	1	it	it	PRON
fsr-3908	164	2	may	may	AUX
fsr-3908	164	3	be	be	AUX
fsr-3908	164	4	that	that	DET
fsr-3908	164	5	table	table	NOUN
fsr-3908	164	6	2	2	NUM
fsr-3908	164	7	sample	sample	NOUN
fsr-3908	164	8	selection	selection	NOUN
fsr-3908	164	9	model	model	NOUN
fsr-3908	164	10	of	of	ADP
fsr-3908	164	11	accumulated	accumulate	VERB
fsr-3908	164	12	savings	saving	NOUN
fsr-3908	164	13	dependent	dependent	ADJ
fsr-3908	164	14	variable	variable	ADJ
fsr-3908	164	15	first	first	ADJ
fsr-3908	164	16	stage	stage	NOUN
fsr-3908	164	17	probit	probit	NOUN
fsr-3908	164	18	estimates	estimate	NOUN
fsr-3908	164	19	retplan	retplan	VERB
fsr-3908	164	20	second	second	ADJ
fsr-3908	164	21	stage	stage	NOUN
fsr-3908	164	22	estimates	estimate	VERB
fsr-3908	164	23	savefin	savefin	PROPN
fsr-3908	164	24	savetot	savetot	VERB
fsr-3908	164	25	nwira	nwira	PROPN
fsr-3908	164	26	retsave	retsave	PROPN
fsr-3908	164	27	constant	constant	ADJ
fsr-3908	164	28	24.02	24.02	NUM
fsr-3908	164	29	2695746	2695746	NUM
fsr-3908	164	30	2301408	2301408	NUM
fsr-3908	164	31	2265833	2265833	NUM
fsr-3908	164	32	1297383	1297383	NUM
fsr-3908	164	33	(	(	PUNCT
fsr-3908	164	34	7.485	7.485	NUM
fsr-3908	164	35	)	)	PUNCT
fsr-3908	164	36	(	(	PUNCT
fsr-3908	164	37	12.696	12.696	NUM
fsr-3908	164	38	)	)	PUNCT
fsr-3908	164	39	(	(	PUNCT
fsr-3908	164	40	14.768	14.768	NUM
fsr-3908	164	41	)	)	PUNCT
fsr-3908	164	42	(	(	PUNCT
fsr-3908	164	43	14.047	14.047	NUM
fsr-3908	164	44	)	)	PUNCT
fsr-3908	164	45	(	(	PUNCT
fsr-3908	164	46	10.724	10.724	NUM
fsr-3908	164	47	)	)	PUNCT
fsr-3908	164	48	male	male	NOUN
fsr-3908	164	49	.1376	.1376	PROPN
fsr-3908	164	50	21253.0	21253.0	NUM
fsr-3908	164	51	233406.7	233406.7	NUM
fsr-3908	164	52	28610.4	28610.4	NUM
fsr-3908	164	53	33820.6	33820.6	NUM
fsr-3908	164	54	(	(	PUNCT
fsr-3908	164	55	2.281	2.281	NUM
fsr-3908	164	56	)	)	PUNCT
fsr-3908	164	57	(	(	PUNCT
fsr-3908	164	58	0.205	0.205	NUM
fsr-3908	164	59	)	)	PUNCT
fsr-3908	164	60	(	(	PUNCT
fsr-3908	164	61	1.921	1.921	NUM
fsr-3908	164	62	)	)	PUNCT
fsr-3908	164	63	(	(	PUNCT
fsr-3908	164	64	4.084	4.084	NUM
fsr-3908	164	65	)	)	PUNCT
fsr-3908	164	66	(	(	PUNCT
fsr-3908	164	67	2.507	2.507	NUM
fsr-3908	164	68	)	)	PUNCT
fsr-3908	164	69	white	white	NOUN
fsr-3908	164	70	.0051	.0051	PUNCT
fsr-3908	165	1	1596.5	1596.5	NUM
fsr-3908	165	2	22759.8	22759.8	NUM
fsr-3908	165	3	6257.1	6257.1	NUM
fsr-3908	165	4	24592.4	24592.4	NUM
fsr-3908	165	5	(	(	PUNCT
fsr-3908	165	6	0.099	0.099	NUM
fsr-3908	165	7	)	)	PUNCT
fsr-3908	165	8	(	(	PUNCT
fsr-3908	165	9	3.030	3.030	NUM
fsr-3908	165	10	)	)	PUNCT
fsr-3908	165	11	(	(	PUNCT
fsr-3908	165	12	1.516	1.516	NUM
fsr-3908	165	13	)	)	PUNCT
fsr-3908	165	14	(	(	PUNCT
fsr-3908	165	15	3.439	3.439	NUM
fsr-3908	165	16	)	)	PUNCT
fsr-3908	165	17	(	(	PUNCT
fsr-3908	165	18	2.112	2.112	NUM
fsr-3908	165	19	)	)	PUNCT
fsr-3908	165	20	married	marry	VERB
fsr-3908	165	21	21953	21953	NUM
fsr-3908	165	22	222525.8	222525.8	NUM
fsr-3908	165	23	279910.2	279910.2	NUM
fsr-3908	165	24	20.400	20.400	NUM
fsr-3908	165	25	287628.5	287628.5	NUM
fsr-3908	165	26	(	(	PUNCT
fsr-3908	165	27	3.423	3.423	NUM
fsr-3908	165	28	)	)	PUNCT
fsr-3908	165	29	(	(	PUNCT
fsr-3908	165	30	3.815	3.815	NUM
fsr-3908	165	31	)	)	PUNCT
fsr-3908	165	32	(	(	PUNCT
fsr-3908	165	33	4.755	4.755	NUM
fsr-3908	165	34	)	)	PUNCT
fsr-3908	165	35	(	(	PUNCT
fsr-3908	165	36	0.000	0.000	NUM
fsr-3908	165	37	)	)	PUNCT
fsr-3908	165	38	(	(	PUNCT
fsr-3908	165	39	6.719	6.719	NUM
fsr-3908	165	40	)	)	PUNCT
fsr-3908	165	41	age	age	NOUN
fsr-3908	165	42	20313	20313	NUM
fsr-3908	165	43	2490.5	2490.5	NUM
fsr-3908	165	44	3023.6	3023.6	NUM
fsr-3908	165	45	1697.1	1697.1	NUM
fsr-3908	165	46	23455.5	23455.5	NUM
fsr-3908	165	47	(	(	PUNCT
fsr-3908	165	48	4.400	4.400	NUM
fsr-3908	165	49	)	)	PUNCT
fsr-3908	165	50	(	(	PUNCT
fsr-3908	165	51	3.340	3.340	NUM
fsr-3908	165	52	)	)	PUNCT
fsr-3908	165	53	(	(	PUNCT
fsr-3908	165	54	1.426	1.426	NUM
fsr-3908	165	55	)	)	PUNCT
fsr-3908	165	56	(	(	PUNCT
fsr-3908	165	57	6.590	6.590	NUM
fsr-3908	165	58	)	)	PUNCT
fsr-3908	165	59	(	(	PUNCT
fsr-3908	165	60	2.099	2.099	NUM
fsr-3908	165	61	)	)	PUNCT
fsr-3908	165	62	edyrs	edyr	NOUN
fsr-3908	165	63	.0829	.0829	PUNCT
fsr-3908	166	1	3222.8	3222.8	NUM
fsr-3908	166	2	7753.8	7753.8	NUM
fsr-3908	166	3	1187.5	1187.5	NUM
fsr-3908	166	4	6619.3	6619.3	NUM
fsr-3908	166	5	(	(	PUNCT
fsr-3908	166	6	9.545	9.545	NUM
fsr-3908	166	7	)	)	PUNCT
fsr-3908	166	8	(	(	PUNCT
fsr-3908	166	9	3.156	3.156	NUM
fsr-3908	166	10	)	)	PUNCT
fsr-3908	166	11	(	(	PUNCT
fsr-3908	166	12	3.684	3.684	NUM
fsr-3908	166	13	)	)	PUNCT
fsr-3908	166	14	(	(	PUNCT
fsr-3908	166	15	3.366	3.366	NUM
fsr-3908	166	16	)	)	PUNCT
fsr-3908	166	17	(	(	PUNCT
fsr-3908	166	18	2.945	2.945	NUM
fsr-3908	166	19	)	)	PUNCT
fsr-3908	166	20	hlth	hlth	NOUN
fsr-3908	166	21	—	—	PUNCT
fsr-3908	166	22	21144.7	21144.7	NUM
fsr-3908	166	23	212920.4	212920.4	NUM
fsr-3908	166	24	1331.1	1331.1	NUM
fsr-3908	166	25	9505.3	9505.3	NUM
fsr-3908	166	26	(	(	PUNCT
fsr-3908	166	27	0.139	0.139	NUM
fsr-3908	166	28	)	)	PUNCT
fsr-3908	166	29	(	(	PUNCT
fsr-3908	166	30	0.577	0.577	NUM
fsr-3908	166	31	)	)	PUNCT
fsr-3908	166	32	(	(	PUNCT
fsr-3908	166	33	0.467	0.467	NUM
fsr-3908	166	34	)	)	PUNCT
fsr-3908	166	35	(	(	PUNCT
fsr-3908	166	36	0.537	0.537	NUM
fsr-3908	166	37	)	)	PUNCT
fsr-3908	166	38	loghhinc	loghhinc	NOUN
fsr-3908	166	39	.4446	.4446	PROPN
fsr-3908	167	1	55160.5	55160.5	NUM
fsr-3908	167	2	224918	224918	NUM
fsr-3908	167	3	15913.3	15913.3	NUM
fsr-3908	167	4	154362	154362	NUM
fsr-3908	167	5	(	(	PUNCT
fsr-3908	167	6	22.766	22.766	NUM
fsr-3908	167	7	)	)	PUNCT
fsr-3908	167	8	(	(	PUNCT
fsr-3908	167	9	11.702	11.702	NUM
fsr-3908	167	10	)	)	PUNCT
fsr-3908	167	11	(	(	PUNCT
fsr-3908	167	12	16.915	16.915	NUM
fsr-3908	167	13	)	)	PUNCT
fsr-3908	167	14	(	(	PUNCT
fsr-3908	167	15	9.770	9.770	NUM
fsr-3908	167	16	)	)	PUNCT
fsr-3908	167	17	(	(	PUNCT
fsr-3908	167	18	14.904	14.904	NUM
fsr-3908	167	19	)	)	PUNCT
fsr-3908	167	20	yrsemp	yrsemp	NOUN
fsr-3908	167	21	.0514	.0514	NOUN
fsr-3908	168	1	697.9	697.9	NUM
fsr-3908	168	2	4778.6	4778.6	NUM
fsr-3908	168	3	232.15	232.15	NUM
fsr-3908	168	4	23221.3	23221.3	NUM
fsr-3908	168	5	(	(	PUNCT
fsr-3908	168	6	22.233	22.233	NUM
fsr-3908	168	7	)	)	PUNCT
fsr-3908	168	8	(	(	PUNCT
fsr-3908	168	9	1.776	1.776	NUM
fsr-3908	168	10	)	)	PUNCT
fsr-3908	168	11	(	(	PUNCT
fsr-3908	168	12	4.343	4.343	NUM
fsr-3908	168	13	)	)	PUNCT
fsr-3908	168	14	(	(	PUNCT
fsr-3908	168	15	0.237	0.237	NUM
fsr-3908	168	16	)	)	PUNCT
fsr-3908	168	17	(	(	PUNCT
fsr-3908	168	18	2.700	2.700	NUM
fsr-3908	168	19	)	)	PUNCT
fsr-3908	168	20	selfemp	selfemp	NOUN
fsr-3908	168	21	22.58	22.58	NUM
fsr-3908	168	22	20607.1	20607.1	NUM
fsr-3908	168	23	74967.4	74967.4	NUM
fsr-3908	168	24	17944.1	17944.1	NUM
fsr-3908	168	25	10932.1	10932.1	NUM
fsr-3908	168	26	(	(	PUNCT
fsr-3908	168	27	28.238	28.238	NUM
fsr-3908	168	28	)	)	PUNCT
fsr-3908	168	29	(	(	PUNCT
fsr-3908	168	30	0.529	0.529	NUM
fsr-3908	168	31	)	)	PUNCT
fsr-3908	168	32	(	(	PUNCT
fsr-3908	168	33	1.481	1.481	NUM
fsr-3908	168	34	)	)	PUNCT
fsr-3908	168	35	(	(	PUNCT
fsr-3908	168	36	2.859	2.859	NUM
fsr-3908	168	37	)	)	PUNCT
fsr-3908	168	38	(	(	PUNCT
fsr-3908	168	39	0.276	0.276	NUM
fsr-3908	168	40	)	)	PUNCT
fsr-3908	168	41	totkids	totkid	NOUN
fsr-3908	168	42	.0002	.0002	PROPN
fsr-3908	168	43	2830.7	2830.7	NUM
fsr-3908	168	44	577.2	577.2	NUM
fsr-3908	168	45	2406.5	2406.5	NUM
fsr-3908	168	46	471.0	471.0	NUM
fsr-3908	168	47	(	(	PUNCT
fsr-3908	168	48	0.014	0.014	NUM
fsr-3908	168	49	)	)	PUNCT
fsr-3908	168	50	(	(	PUNCT
fsr-3908	168	51	0.568	0.568	NUM
fsr-3908	168	52	)	)	PUNCT
fsr-3908	168	53	(	(	PUNCT
fsr-3908	168	54	0.139	0.139	NUM
fsr-3908	168	55	)	)	PUNCT
fsr-3908	168	56	(	(	PUNCT
fsr-3908	168	57	0.805	0.805	NUM
fsr-3908	168	58	)	)	PUNCT
fsr-3908	168	59	(	(	PUNCT
fsr-3908	168	60	0.146	0.146	NUM
fsr-3908	168	61	)	)	PUNCT
fsr-3908	168	62	kidsah	kidsah	NOUN
fsr-3908	168	63	2.0985	2.0985	NUM
fsr-3908	168	64	1516.6	1516.6	NUM
fsr-3908	168	65	239746.6	239746.6	NUM
fsr-3908	168	66	23349.0	23349.0	NUM
fsr-3908	168	67	228208.5	228208.5	NUM
fsr-3908	168	68	(	(	PUNCT
fsr-3908	168	69	2.766	2.766	NUM
fsr-3908	168	70	)	)	PUNCT
fsr-3908	168	71	(	(	PUNCT
fsr-3908	168	72	0.396	0.396	NUM
fsr-3908	168	73	)	)	PUNCT
fsr-3908	168	74	(	(	PUNCT
fsr-3908	168	75	3.647	3.647	NUM
fsr-3908	168	76	)	)	PUNCT
fsr-3908	168	77	(	(	PUNCT
fsr-3908	168	78	2.532	2.532	NUM
fsr-3908	168	79	)	)	PUNCT
fsr-3908	168	80	(	(	PUNCT
fsr-3908	168	81	3.335	3.335	NUM
fsr-3908	168	82	)	)	PUNCT
fsr-3908	168	83	retplan	retplan	NOUN
fsr-3908	168	84	—	—	PUNCT
fsr-3908	169	1	252172.8	252172.8	NUM
fsr-3908	169	2	2374513	2374513	NUM
fsr-3908	169	3	6700.2	6700.2	NUM
fsr-3908	169	4	2224576	2224576	NUM
fsr-3908	169	5	(	(	PUNCT
fsr-3908	169	6	1.980	1.980	NUM
fsr-3908	169	7	)	)	PUNCT
fsr-3908	169	8	(	(	PUNCT
fsr-3908	169	9	5.110	5.110	NUM
fsr-3908	169	10	)	)	PUNCT
fsr-3908	169	11	(	(	PUNCT
fsr-3908	169	12	0.735	0.735	NUM
fsr-3908	169	13	)	)	PUNCT
fsr-3908	169	14	(	(	PUNCT
fsr-3908	169	15	3.911	3.911	NUM
fsr-3908	169	16	)	)	PUNCT
fsr-3908	169	17	lambda	lambda	NOUN
fsr-3908	169	18	—	—	PUNCT
fsr-3908	169	19	288842.1	288842.1	NUM
fsr-3908	169	20	207961	207961	NUM
fsr-3908	169	21	27552.3	27552.3	NUM
fsr-3908	169	22	129951.8	129951.8	NUM
fsr-3908	169	23	(	(	PUNCT
fsr-3908	169	24	1.855	1.855	NUM
fsr-3908	169	25	)	)	PUNCT
fsr-3908	169	26	(	(	PUNCT
fsr-3908	169	27	4.824	4.824	NUM
fsr-3908	169	28	)	)	PUNCT
fsr-3908	169	29	(	(	PUNCT
fsr-3908	169	30	1.404	1.404	NUM
fsr-3908	169	31	)	)	PUNCT
fsr-3908	169	32	(	(	PUNCT
fsr-3908	169	33	3.842	3.842	NUM
fsr-3908	169	34	)	)	PUNCT
fsr-3908	169	35	chi	chi	NOUN
fsr-3908	169	36	-	-	PUNCT
fsr-3908	169	37	squared	square	VERB
fsr-3908	169	38	statistic/	statistic/	NUM
fsr-3908	169	39	adjusted	adjust	VERB
fsr-3908	169	40	r2	r2	NOUN
fsr-3908	169	41	2174.0	2174.0	NUM
fsr-3908	169	42	0.068	0.068	NUM
fsr-3908	169	43	0.144	0.144	NUM
fsr-3908	169	44	0.094	0.094	NUM
fsr-3908	169	45	0.104	0.104	PRON
fsr-3908	169	46	note	note	NOUN
fsr-3908	169	47	:	:	PUNCT
fsr-3908	169	48	absolute	absolute	ADJ
fsr-3908	169	49	value	value	NOUN
fsr-3908	169	50	of	of	ADP
fsr-3908	169	51	t	t	PROPN
fsr-3908	169	52	-	-	PUNCT
fsr-3908	169	53	statistics	statistic	NOUN
fsr-3908	169	54	in	in	ADP
fsr-3908	169	55	parentheses	parenthesis	NOUN
fsr-3908	169	56	.	.	PUNCT
fsr-3908	170	1	40	40	NUM
fsr-3908	170	2	h.w	h.w	PROPN
fsr-3908	170	3	.	.	PROPN
fsr-3908	170	4	elder	elder	PROPN
fsr-3908	170	5	,	,	PUNCT
fsr-3908	170	6	p.m.	p.m.	NOUN
fsr-3908	170	7	rudolph	rudolph	PROPN
fsr-3908	170	8	/	/	SYM
fsr-3908	170	9	financial	financial	ADJ
fsr-3908	170	10	services	service	NOUN
fsr-3908	170	11	review	review	VERB
fsr-3908	170	12	9	9	NUM
fsr-3908	170	13	(	(	PUNCT
fsr-3908	170	14	2000	2000	NUM
fsr-3908	170	15	)	)	PUNCT
fsr-3908	170	16	33–45	33–45	NUM
fsr-3908	170	17	children	child	NOUN
fsr-3908	170	18	at	at	ADP
fsr-3908	170	19	home	home	NOUN
fsr-3908	170	20	represent	represent	VERB
fsr-3908	170	21	a	a	DET
fsr-3908	170	22	drain	drain	NOUN
fsr-3908	170	23	on	on	ADP
fsr-3908	170	24	resources	resource	NOUN
fsr-3908	170	25	so	so	SCONJ
fsr-3908	170	26	that	that	SCONJ
fsr-3908	170	27	pension	pension	NOUN
fsr-3908	170	28	fund	fund	NOUN
fsr-3908	170	29	participation	participation	NOUN
fsr-3908	170	30	is	be	AUX
fsr-3908	170	31	delayed	delay	VERB
fsr-3908	170	32	or	or	CCONJ
fsr-3908	170	33	foregone	foregone	NOUN
fsr-3908	170	34	entirely	entirely	ADV
fsr-3908	170	35	.	.	PUNCT
fsr-3908	171	1	once	once	SCONJ
fsr-3908	171	2	children	child	NOUN
fsr-3908	171	3	have	have	AUX
fsr-3908	171	4	left	leave	VERB
fsr-3908	171	5	the	the	DET
fsr-3908	171	6	home	home	NOUN
fsr-3908	171	7	they	they	PRON
fsr-3908	171	8	no	no	ADV
fsr-3908	171	9	longer	long	ADV
fsr-3908	171	10	have	have	VERB
fsr-3908	171	11	an	an	DET
fsr-3908	171	12	impact	impact	NOUN
fsr-3908	171	13	on	on	ADP
fsr-3908	171	14	participation	participation	NOUN
fsr-3908	171	15	.	.	PUNCT
fsr-3908	172	1	table	table	NOUN
fsr-3908	172	2	2	2	NUM
fsr-3908	172	3	also	also	ADV
fsr-3908	172	4	contains	contain	VERB
fsr-3908	172	5	the	the	DET
fsr-3908	172	6	estimates	estimate	NOUN
fsr-3908	172	7	of	of	ADP
fsr-3908	172	8	the	the	DET
fsr-3908	172	9	relationship	relationship	NOUN
fsr-3908	172	10	between	between	ADP
fsr-3908	172	11	accumulated	accumulate	VERB
fsr-3908	172	12	savings	saving	NOUN
fsr-3908	172	13	and	and	CCONJ
fsr-3908	172	14	participation	participation	NOUN
fsr-3908	172	15	in	in	ADP
fsr-3908	172	16	a	a	DET
fsr-3908	172	17	pension	pension	NOUN
fsr-3908	172	18	plan	plan	NOUN
fsr-3908	172	19	for	for	ADP
fsr-3908	172	20	four	four	NUM
fsr-3908	172	21	measures	measure	NOUN
fsr-3908	172	22	of	of	ADP
fsr-3908	172	23	accumulated	accumulate	VERB
fsr-3908	172	24	savings	saving	NOUN
fsr-3908	172	25	:	:	PUNCT
fsr-3908	172	26	financial	financial	ADJ
fsr-3908	172	27	assets	asset	NOUN
fsr-3908	172	28	(	(	PUNCT
fsr-3908	172	29	savefin	savefin	NOUN
fsr-3908	172	30	)	)	PUNCT
fsr-3908	172	31	,	,	PUNCT
fsr-3908	172	32	all	all	DET
fsr-3908	172	33	assets	asset	NOUN
fsr-3908	172	34	except	except	SCONJ
fsr-3908	172	35	equity	equity	NOUN
fsr-3908	172	36	in	in	ADP
fsr-3908	172	37	one	one	NUM
fsr-3908	172	38	’s	’s	PART
fsr-3908	172	39	residence	residence	NOUN
fsr-3908	172	40	and	and	CCONJ
fsr-3908	172	41	ira	ira	PROPN
fsr-3908	172	42	accumulations	accumulation	NOUN
fsr-3908	172	43	(	(	PUNCT
fsr-3908	172	44	savetot	savetot	NOUN
fsr-3908	172	45	)	)	PUNCT
fsr-3908	172	46	,	,	PUNCT
fsr-3908	172	47	estimates	estimate	NOUN
fsr-3908	172	48	of	of	ADP
fsr-3908	172	49	accumulated	accumulate	VERB
fsr-3908	172	50	ira	ira	PROPN
fsr-3908	172	51	assets	asset	NOUN
fsr-3908	172	52	(	(	PUNCT
fsr-3908	172	53	nwira	nwira	PROPN
fsr-3908	172	54	)	)	PUNCT
fsr-3908	172	55	,	,	PUNCT
fsr-3908	172	56	and	and	CCONJ
fsr-3908	172	57	anticipated	anticipate	VERB
fsr-3908	172	58	financial	financial	ADJ
fsr-3908	172	59	assets	asset	NOUN
fsr-3908	172	60	at	at	ADP
fsr-3908	172	61	retirement	retirement	NOUN
fsr-3908	172	62	(	(	PUNCT
fsr-3908	172	63	retsave	retsave	NOUN
fsr-3908	172	64	)	)	PUNCT
fsr-3908	172	65	.	.	PUNCT
fsr-3908	173	1	these	these	DET
fsr-3908	173	2	estimates	estimate	NOUN
fsr-3908	173	3	are	be	AUX
fsr-3908	173	4	generally	generally	ADV
fsr-3908	173	5	consistent	consistent	ADJ
fsr-3908	173	6	across	across	ADP
fsr-3908	173	7	most	most	ADJ
fsr-3908	173	8	of	of	ADP
fsr-3908	173	9	the	the	DET
fsr-3908	173	10	variables	variable	NOUN
fsr-3908	173	11	,	,	PUNCT
fsr-3908	173	12	though	though	SCONJ
fsr-3908	173	13	there	there	PRON
fsr-3908	173	14	are	be	VERB
fsr-3908	173	15	some	some	DET
fsr-3908	173	16	notable	notable	ADJ
fsr-3908	173	17	differences	difference	NOUN
fsr-3908	173	18	between	between	ADP
fsr-3908	173	19	“	"	PUNCT
fsr-3908	173	20	ordinary	ordinary	ADJ
fsr-3908	173	21	”	"	PUNCT
fsr-3908	173	22	savings	saving	NOUN
fsr-3908	173	23	and	and	CCONJ
fsr-3908	173	24	iras	ira	NOUN
fsr-3908	173	25	.	.	PUNCT
fsr-3908	174	1	accordingly	accordingly	ADV
fsr-3908	174	2	,	,	PUNCT
fsr-3908	174	3	these	these	PRON
fsr-3908	174	4	will	will	AUX
fsr-3908	174	5	be	be	AUX
fsr-3908	174	6	discussed	discuss	VERB
fsr-3908	174	7	separately	separately	ADV
fsr-3908	174	8	.	.	PUNCT
fsr-3908	175	1	accumulated	accumulate	VERB
fsr-3908	175	2	savings	saving	NOUN
fsr-3908	175	3	portray	portray	VERB
fsr-3908	175	4	a	a	DET
fsr-3908	175	5	consistent	consistent	ADJ
fsr-3908	175	6	and	and	CCONJ
fsr-3908	175	7	intriguing	intriguing	ADJ
fsr-3908	175	8	picture	picture	NOUN
fsr-3908	175	9	of	of	ADP
fsr-3908	175	10	savings	saving	NOUN
fsr-3908	175	11	behavior	behavior	NOUN
fsr-3908	175	12	.	.	PUNCT
fsr-3908	176	1	individuals	individual	NOUN
fsr-3908	176	2	who	who	PRON
fsr-3908	176	3	have	have	AUX
fsr-3908	176	4	accumulated	accumulate	VERB
fsr-3908	176	5	more	more	ADJ
fsr-3908	176	6	total	total	ADJ
fsr-3908	176	7	dollars	dollar	NOUN
fsr-3908	176	8	of	of	ADP
fsr-3908	176	9	savings	saving	NOUN
fsr-3908	176	10	are	be	AUX
fsr-3908	176	11	significantly	significantly	ADV
fsr-3908	176	12	more	more	ADV
fsr-3908	176	13	likely	likely	ADJ
fsr-3908	176	14	to	to	PART
fsr-3908	176	15	be	be	AUX
fsr-3908	176	16	white	white	ADJ
fsr-3908	176	17	,	,	PUNCT
fsr-3908	176	18	older	old	ADJ
fsr-3908	176	19	,	,	PUNCT
fsr-3908	176	20	have	have	AUX
fsr-3908	176	21	more	more	ADV
fsr-3908	176	22	formal	formal	ADJ
fsr-3908	176	23	education	education	NOUN
fsr-3908	176	24	,	,	PUNCT
fsr-3908	176	25	have	have	VERB
fsr-3908	176	26	higher	high	ADJ
fsr-3908	176	27	income	income	NOUN
fsr-3908	176	28	,	,	PUNCT
fsr-3908	176	29	and	and	CCONJ
fsr-3908	176	30	have	have	VERB
fsr-3908	176	31	more	more	ADJ
fsr-3908	176	32	work	work	NOUN
fsr-3908	176	33	experience	experience	NOUN
fsr-3908	176	34	.	.	PUNCT
fsr-3908	177	1	notably	notably	ADV
fsr-3908	177	2	,	,	PUNCT
fsr-3908	177	3	males	male	NOUN
fsr-3908	177	4	have	have	VERB
fsr-3908	177	5	significantly	significantly	ADV
fsr-3908	177	6	higher	high	ADJ
fsr-3908	177	7	levels	level	NOUN
fsr-3908	177	8	of	of	ADP
fsr-3908	177	9	savings	saving	NOUN
fsr-3908	177	10	than	than	ADP
fsr-3908	177	11	females	female	NOUN
fsr-3908	177	12	,	,	PUNCT
fsr-3908	177	13	and	and	CCONJ
fsr-3908	177	14	married	married	ADJ
fsr-3908	177	15	respondents	respondent	NOUN
fsr-3908	177	16	have	have	VERB
fsr-3908	177	17	lower	low	ADJ
fsr-3908	177	18	levels	level	NOUN
fsr-3908	177	19	of	of	ADP
fsr-3908	177	20	savings	saving	NOUN
fsr-3908	177	21	than	than	ADP
fsr-3908	177	22	their	their	PRON
fsr-3908	177	23	unmarried	unmarried	ADJ
fsr-3908	177	24	counterparts	counterpart	NOUN
fsr-3908	177	25	.	.	PUNCT
fsr-3908	178	1	the	the	DET
fsr-3908	178	2	more	more	ADJ
fsr-3908	178	3	children	child	NOUN
fsr-3908	178	4	in	in	ADP
fsr-3908	178	5	the	the	DET
fsr-3908	178	6	home	home	NOUN
fsr-3908	178	7	,	,	PUNCT
fsr-3908	178	8	the	the	PRON
fsr-3908	178	9	lower	low	ADJ
fsr-3908	178	10	the	the	DET
fsr-3908	178	11	level	level	NOUN
fsr-3908	178	12	of	of	ADP
fsr-3908	178	13	accumulated	accumulate	VERB
fsr-3908	178	14	saving	saving	NOUN
fsr-3908	178	15	as	as	SCONJ
fsr-3908	178	16	measured	measure	VERB
fsr-3908	178	17	by	by	ADP
fsr-3908	178	18	savetot	savetot	NOUN
fsr-3908	178	19	.	.	PUNCT
fsr-3908	179	1	health	health	NOUN
fsr-3908	179	2	status	status	NOUN
fsr-3908	179	3	(	(	PUNCT
fsr-3908	179	4	current	current	ADJ
fsr-3908	179	5	)	)	PUNCT
fsr-3908	179	6	does	do	AUX
fsr-3908	179	7	not	not	PART
fsr-3908	179	8	play	play	VERB
fsr-3908	179	9	a	a	DET
fsr-3908	179	10	significant	significant	ADJ
fsr-3908	179	11	role	role	NOUN
fsr-3908	179	12	in	in	ADP
fsr-3908	179	13	the	the	DET
fsr-3908	179	14	level	level	NOUN
fsr-3908	179	15	of	of	ADP
fsr-3908	179	16	savings	saving	NOUN
fsr-3908	179	17	,	,	PUNCT
fsr-3908	179	18	and	and	CCONJ
fsr-3908	179	19	interestingly	interestingly	ADV
fsr-3908	179	20	,	,	PUNCT
fsr-3908	179	21	the	the	DET
fsr-3908	179	22	results	result	NOUN
fsr-3908	179	23	show	show	VERB
fsr-3908	179	24	no	no	DET
fsr-3908	179	25	statistically	statistically	ADV
fsr-3908	179	26	measurable	measurable	ADJ
fsr-3908	179	27	differences	difference	NOUN
fsr-3908	179	28	in	in	ADP
fsr-3908	179	29	the	the	DET
fsr-3908	179	30	level	level	NOUN
fsr-3908	179	31	of	of	ADP
fsr-3908	179	32	savings	saving	NOUN
fsr-3908	179	33	for	for	ADP
fsr-3908	179	34	self	self	NOUN
fsr-3908	179	35	-	-	PUNCT
fsr-3908	179	36	employed	employ	VERB
fsr-3908	179	37	individuals	individual	NOUN
fsr-3908	179	38	as	as	SCONJ
fsr-3908	179	39	compared	compare	VERB
fsr-3908	179	40	to	to	ADP
fsr-3908	179	41	those	those	PRON
fsr-3908	179	42	who	who	PRON
fsr-3908	179	43	are	be	AUX
fsr-3908	179	44	employed	employ	VERB
fsr-3908	179	45	by	by	ADP
fsr-3908	179	46	others	other	NOUN
fsr-3908	179	47	.	.	PUNCT
fsr-3908	180	1	this	this	PRON
fsr-3908	180	2	is	be	AUX
fsr-3908	180	3	noteworthy	noteworthy	ADJ
fsr-3908	180	4	,	,	PUNCT
fsr-3908	180	5	because	because	SCONJ
fsr-3908	180	6	self	self	NOUN
fsr-3908	180	7	-	-	PUNCT
fsr-3908	180	8	employed	employ	VERB
fsr-3908	180	9	individuals	individual	NOUN
fsr-3908	180	10	are	be	AUX
fsr-3908	180	11	far	far	ADV
fsr-3908	180	12	less	less	ADV
fsr-3908	180	13	likely	likely	ADJ
fsr-3908	180	14	to	to	PART
fsr-3908	180	15	have	have	VERB
fsr-3908	180	16	pension	pension	NOUN
fsr-3908	180	17	assets	asset	NOUN
fsr-3908	180	18	to	to	PART
fsr-3908	180	19	draw	draw	VERB
fsr-3908	180	20	on	on	ADP
fsr-3908	180	21	in	in	ADP
fsr-3908	180	22	their	their	PRON
fsr-3908	180	23	retirement	retirement	NOUN
fsr-3908	180	24	.	.	PUNCT
fsr-3908	181	1	their	their	PRON
fsr-3908	181	2	savings	saving	NOUN
fsr-3908	181	3	may	may	AUX
fsr-3908	181	4	,	,	PUNCT
fsr-3908	181	5	however	however	ADV
fsr-3908	181	6	,	,	PUNCT
fsr-3908	181	7	take	take	VERB
fsr-3908	181	8	a	a	DET
fsr-3908	181	9	different	different	ADJ
fsr-3908	181	10	form	form	NOUN
fsr-3908	181	11	,	,	PUNCT
fsr-3908	181	12	as	as	SCONJ
fsr-3908	181	13	the	the	DET
fsr-3908	181	14	ira	ira	PROPN
fsr-3908	181	15	estimates	estimate	NOUN
fsr-3908	181	16	indicate	indicate	VERB
fsr-3908	181	17	.	.	PUNCT
fsr-3908	182	1	for	for	ADP
fsr-3908	182	2	the	the	DET
fsr-3908	182	3	first	first	ADJ
fsr-3908	182	4	two	two	NUM
fsr-3908	182	5	measures	measure	NOUN
fsr-3908	182	6	of	of	ADP
fsr-3908	182	7	savings	saving	NOUN
fsr-3908	182	8	accumulations	accumulation	NOUN
fsr-3908	182	9	(	(	PUNCT
fsr-3908	182	10	savefin	savefin	NOUN
fsr-3908	182	11	and	and	CCONJ
fsr-3908	182	12	savetot	savetot	NOUN
fsr-3908	182	13	)	)	PUNCT
fsr-3908	182	14	,	,	PUNCT
fsr-3908	182	15	there	there	PRON
fsr-3908	182	16	are	be	VERB
fsr-3908	182	17	indications	indication	NOUN
fsr-3908	182	18	that	that	SCONJ
fsr-3908	182	19	individuals	individual	NOUN
fsr-3908	182	20	treat	treat	VERB
fsr-3908	182	21	their	their	PRON
fsr-3908	182	22	savings	saving	NOUN
fsr-3908	182	23	and	and	CCONJ
fsr-3908	182	24	pension	pension	NOUN
fsr-3908	182	25	benefits	benefit	NOUN
fsr-3908	182	26	as	as	ADP
fsr-3908	182	27	substitutes	substitute	NOUN
fsr-3908	182	28	.	.	PUNCT
fsr-3908	183	1	the	the	DET
fsr-3908	183	2	coefficient	coefficient	NOUN
fsr-3908	183	3	on	on	ADP
fsr-3908	183	4	the	the	DET
fsr-3908	183	5	pension	pension	NOUN
fsr-3908	183	6	participation	participation	NOUN
fsr-3908	183	7	variable	variable	NOUN
fsr-3908	183	8	is	be	AUX
fsr-3908	183	9	negative	negative	ADJ
fsr-3908	183	10	and	and	CCONJ
fsr-3908	183	11	significant	significant	ADJ
fsr-3908	183	12	in	in	ADP
fsr-3908	183	13	both	both	DET
fsr-3908	183	14	estimates	estimate	NOUN
fsr-3908	183	15	of	of	ADP
fsr-3908	183	16	accumulated	accumulate	VERB
fsr-3908	183	17	savings	saving	NOUN
fsr-3908	183	18	.	.	PUNCT
fsr-3908	184	1	one	one	PRON
fsr-3908	184	2	should	should	AUX
fsr-3908	184	3	note	note	VERB
fsr-3908	184	4	that	that	SCONJ
fsr-3908	184	5	many	many	ADJ
fsr-3908	184	6	of	of	ADP
fsr-3908	184	7	the	the	DET
fsr-3908	184	8	studies	study	NOUN
fsr-3908	184	9	using	use	VERB
fsr-3908	184	10	techniques	technique	NOUN
fsr-3908	184	11	to	to	PART
fsr-3908	184	12	detect	detect	VERB
fsr-3908	184	13	and	and	CCONJ
fsr-3908	184	14	control	control	NOUN
fsr-3908	184	15	for	for	ADP
fsr-3908	184	16	the	the	DET
fsr-3908	184	17	presence	presence	NOUN
fsr-3908	184	18	of	of	ADP
fsr-3908	184	19	selection	selection	NOUN
fsr-3908	184	20	bias	bias	NOUN
fsr-3908	184	21	provide	provide	VERB
fsr-3908	184	22	separate	separate	ADJ
fsr-3908	184	23	estimates	estimate	NOUN
fsr-3908	184	24	for	for	ADP
fsr-3908	184	25	the	the	DET
fsr-3908	184	26	two	two	NUM
fsr-3908	184	27	groups	group	NOUN
fsr-3908	184	28	—	—	PUNCT
fsr-3908	184	29	in	in	ADP
fsr-3908	184	30	the	the	DET
fsr-3908	184	31	case	case	NOUN
fsr-3908	184	32	here	here	ADV
fsr-3908	184	33	,	,	PUNCT
fsr-3908	184	34	this	this	PRON
fsr-3908	184	35	would	would	AUX
fsr-3908	184	36	be	be	AUX
fsr-3908	184	37	pension	pension	NOUN
fsr-3908	184	38	plan	plan	NOUN
fsr-3908	184	39	participants	participant	NOUN
fsr-3908	184	40	and	and	CCONJ
fsr-3908	184	41	nonparticipants	nonparticipant	NOUN
fsr-3908	184	42	.	.	PUNCT
fsr-3908	185	1	the	the	DET
fsr-3908	185	2	approach	approach	NOUN
fsr-3908	185	3	we	we	PRON
fsr-3908	185	4	take	take	VERB
fsr-3908	185	5	is	be	AUX
fsr-3908	185	6	to	to	PART
fsr-3908	185	7	determine	determine	VERB
fsr-3908	185	8	what	what	PRON
fsr-3908	185	9	is	be	AUX
fsr-3908	185	10	usually	usually	ADV
fsr-3908	185	11	called	call	VERB
fsr-3908	185	12	the	the	DET
fsr-3908	185	13	“	"	PUNCT
fsr-3908	185	14	treatment	treatment	NOUN
fsr-3908	185	15	”	"	PUNCT
fsr-3908	185	16	effect	effect	NOUN
fsr-3908	185	17	and	and	CCONJ
fsr-3908	185	18	estimate	estimate	VERB
fsr-3908	185	19	only	only	ADV
fsr-3908	185	20	one	one	NUM
fsr-3908	185	21	equation	equation	NOUN
fsr-3908	185	22	with	with	ADP
fsr-3908	185	23	a	a	DET
fsr-3908	185	24	dummy	dummy	ADJ
fsr-3908	185	25	variable	variable	NOUN
fsr-3908	185	26	.	.	PUNCT
fsr-3908	186	1	see	see	VERB
fsr-3908	186	2	barnow	barnow	NOUN
fsr-3908	186	3	,	,	PUNCT
fsr-3908	186	4	cain	cain	NOUN
fsr-3908	186	5	and	and	CCONJ
fsr-3908	186	6	goldberger	goldberger	ADJ
fsr-3908	186	7	(	(	PUNCT
fsr-3908	186	8	1981	1981	NUM
fsr-3908	186	9	)	)	PUNCT
fsr-3908	186	10	for	for	ADP
fsr-3908	186	11	a	a	DET
fsr-3908	186	12	discussion	discussion	NOUN
fsr-3908	186	13	of	of	ADP
fsr-3908	186	14	this	this	DET
fsr-3908	186	15	approach	approach	NOUN
fsr-3908	186	16	.	.	PUNCT
fsr-3908	187	1	the	the	DET
fsr-3908	187	2	results	result	NOUN
fsr-3908	187	3	show	show	VERB
fsr-3908	187	4	convincing	convincing	ADJ
fsr-3908	187	5	evidence	evidence	NOUN
fsr-3908	187	6	of	of	ADP
fsr-3908	187	7	selection	selection	NOUN
fsr-3908	187	8	bias	bias	NOUN
fsr-3908	187	9	at	at	ADP
fsr-3908	187	10	work	work	NOUN
fsr-3908	187	11	in	in	ADP
fsr-3908	187	12	this	this	DET
fsr-3908	187	13	process	process	NOUN
fsr-3908	187	14	,	,	PUNCT
fsr-3908	187	15	as	as	SCONJ
fsr-3908	187	16	shown	show	VERB
fsr-3908	187	17	by	by	ADP
fsr-3908	187	18	the	the	DET
fsr-3908	187	19	statistical	statistical	ADJ
fsr-3908	187	20	significance	significance	NOUN
fsr-3908	187	21	of	of	ADP
fsr-3908	187	22	lambda	lambda	NOUN
fsr-3908	187	23	.	.	PUNCT
fsr-3908	188	1	taken	take	VERB
fsr-3908	188	2	together	together	ADV
fsr-3908	188	3	,	,	PUNCT
fsr-3908	188	4	retplan	retplan	NOUN
fsr-3908	188	5	and	and	CCONJ
fsr-3908	188	6	lambda	lambda	NOUN
fsr-3908	188	7	show	show	VERB
fsr-3908	188	8	that	that	SCONJ
fsr-3908	188	9	the	the	DET
fsr-3908	188	10	impact	impact	NOUN
fsr-3908	188	11	of	of	ADP
fsr-3908	188	12	pension	pension	NOUN
fsr-3908	188	13	plan	plan	NOUN
fsr-3908	188	14	participation	participation	NOUN
fsr-3908	188	15	is	be	AUX
fsr-3908	188	16	larger	large	ADJ
fsr-3908	188	17	than	than	ADP
fsr-3908	188	18	estimates	estimate	NOUN
fsr-3908	188	19	that	that	PRON
fsr-3908	188	20	do	do	AUX
fsr-3908	188	21	not	not	PART
fsr-3908	188	22	take	take	VERB
fsr-3908	188	23	into	into	ADP
fsr-3908	188	24	account	account	NOUN
fsr-3908	188	25	the	the	DET
fsr-3908	188	26	selection	selection	NOUN
fsr-3908	188	27	effects	effect	NOUN
fsr-3908	188	28	on	on	ADP
fsr-3908	188	29	savings	saving	NOUN
fsr-3908	188	30	.	.	PUNCT
fsr-3908	189	1	in	in	ADP
fsr-3908	189	2	general	general	ADJ
fsr-3908	189	3	,	,	PUNCT
fsr-3908	189	4	the	the	DET
fsr-3908	189	5	estimates	estimate	NOUN
fsr-3908	189	6	show	show	VERB
fsr-3908	189	7	that	that	SCONJ
fsr-3908	189	8	those	those	PRON
fsr-3908	189	9	who	who	PRON
fsr-3908	189	10	participate	participate	VERB
fsr-3908	189	11	in	in	ADP
fsr-3908	189	12	a	a	DET
fsr-3908	189	13	pension	pension	NOUN
fsr-3908	189	14	are	be	AUX
fsr-3908	189	15	more	more	ADV
fsr-3908	189	16	likely	likely	ADJ
fsr-3908	189	17	to	to	PART
fsr-3908	189	18	save	save	VERB
fsr-3908	189	19	than	than	ADP
fsr-3908	189	20	those	those	PRON
fsr-3908	189	21	who	who	PRON
fsr-3908	189	22	do	do	VERB
fsr-3908	189	23	not	not	PART
fsr-3908	189	24	,	,	PUNCT
fsr-3908	189	25	so	so	ADV
fsr-3908	189	26	the	the	DET
fsr-3908	189	27	impact	impact	NOUN
fsr-3908	189	28	of	of	ADP
fsr-3908	189	29	pensions	pension	NOUN
fsr-3908	189	30	on	on	ADP
fsr-3908	189	31	savings	saving	NOUN
fsr-3908	189	32	accumulation	accumulation	NOUN
fsr-3908	189	33	would	would	AUX
fsr-3908	189	34	be	be	AUX
fsr-3908	189	35	understated	understate	VERB
fsr-3908	189	36	if	if	SCONJ
fsr-3908	189	37	this	this	DET
fsr-3908	189	38	bias	bias	NOUN
fsr-3908	189	39	were	be	AUX
fsr-3908	189	40	not	not	PART
fsr-3908	189	41	controlled	control	VERB
fsr-3908	189	42	in	in	ADP
fsr-3908	189	43	the	the	DET
fsr-3908	189	44	estimates	estimate	NOUN
fsr-3908	189	45	.	.	PUNCT
fsr-3908	190	1	a	a	DET
fsr-3908	190	2	simple	simple	ADJ
fsr-3908	190	3	way	way	NOUN
fsr-3908	190	4	to	to	PART
fsr-3908	190	5	check	check	VERB
fsr-3908	190	6	this	this	PRON
fsr-3908	190	7	is	be	AUX
fsr-3908	190	8	to	to	PART
fsr-3908	190	9	examine	examine	VERB
fsr-3908	190	10	an	an	DET
fsr-3908	190	11	ordinary	ordinary	ADJ
fsr-3908	190	12	least	least	ADJ
fsr-3908	190	13	squares	square	NOUN
fsr-3908	190	14	estimate	estimate	NOUN
fsr-3908	190	15	of	of	ADP
fsr-3908	190	16	the	the	DET
fsr-3908	190	17	accumulated	accumulate	VERB
fsr-3908	190	18	savings	saving	NOUN
fsr-3908	190	19	equations	equation	NOUN
fsr-3908	190	20	.	.	PUNCT
fsr-3908	191	1	the	the	DET
fsr-3908	191	2	ols	ols	PROPN
fsr-3908	191	3	estimates	estimate	NOUN
fsr-3908	191	4	show	show	VERB
fsr-3908	191	5	that	that	SCONJ
fsr-3908	191	6	little	little	ADJ
fsr-3908	191	7	or	or	CCONJ
fsr-3908	191	8	no	no	PRON
fsr-3908	191	9	substitution	substitution	NOUN
fsr-3908	191	10	behavior	behavior	NOUN
fsr-3908	191	11	is	be	AUX
fsr-3908	191	12	present	present	ADJ
fsr-3908	191	13	.	.	PUNCT
fsr-3908	192	1	(	(	PUNCT
fsr-3908	192	2	these	these	DET
fsr-3908	192	3	estimates	estimate	NOUN
fsr-3908	192	4	are	be	AUX
fsr-3908	192	5	available	available	ADJ
fsr-3908	192	6	from	from	ADP
fsr-3908	192	7	the	the	DET
fsr-3908	192	8	authors	author	NOUN
fsr-3908	192	9	upon	upon	SCONJ
fsr-3908	192	10	request	request	NOUN
fsr-3908	192	11	.	.	PUNCT
fsr-3908	192	12	)	)	PUNCT
fsr-3908	193	1	now	now	ADV
fsr-3908	193	2	consider	consider	VERB
fsr-3908	193	3	the	the	DET
fsr-3908	193	4	fourth	fourth	ADJ
fsr-3908	193	5	column	column	NOUN
fsr-3908	193	6	of	of	ADP
fsr-3908	193	7	the	the	DET
fsr-3908	193	8	table	table	NOUN
fsr-3908	193	9	2	2	NUM
fsr-3908	193	10	,	,	PUNCT
fsr-3908	193	11	in	in	ADP
fsr-3908	193	12	which	which	PRON
fsr-3908	193	13	estimates	estimate	NOUN
fsr-3908	193	14	of	of	ADP
fsr-3908	193	15	accumulated	accumulate	VERB
fsr-3908	193	16	ira	ira	PROPN
fsr-3908	193	17	assets	asset	NOUN
fsr-3908	193	18	are	be	AUX
fsr-3908	193	19	presented	present	VERB
fsr-3908	193	20	.	.	PUNCT
fsr-3908	194	1	there	there	PRON
fsr-3908	194	2	are	be	VERB
fsr-3908	194	3	several	several	ADJ
fsr-3908	194	4	differences	difference	NOUN
fsr-3908	194	5	in	in	ADP
fsr-3908	194	6	the	the	DET
fsr-3908	194	7	factors	factor	NOUN
fsr-3908	194	8	that	that	PRON
fsr-3908	194	9	are	be	AUX
fsr-3908	194	10	important	important	ADJ
fsr-3908	194	11	in	in	ADP
fsr-3908	194	12	determining	determine	VERB
fsr-3908	194	13	the	the	DET
fsr-3908	194	14	size	size	NOUN
fsr-3908	194	15	of	of	ADP
fsr-3908	194	16	ira	ira	PROPN
fsr-3908	194	17	accumulations	accumulation	NOUN
fsr-3908	194	18	,	,	PUNCT
fsr-3908	194	19	as	as	SCONJ
fsr-3908	194	20	compared	compare	VERB
fsr-3908	194	21	to	to	ADP
fsr-3908	194	22	ordinary	ordinary	ADJ
fsr-3908	194	23	savings	saving	NOUN
fsr-3908	194	24	.	.	PUNCT
fsr-3908	195	1	for	for	ADP
fsr-3908	195	2	instance	instance	NOUN
fsr-3908	195	3	,	,	PUNCT
fsr-3908	195	4	while	while	SCONJ
fsr-3908	195	5	there	there	PRON
fsr-3908	195	6	are	be	VERB
fsr-3908	195	7	no	no	DET
fsr-3908	195	8	gender	gender	NOUN
fsr-3908	195	9	differences	difference	NOUN
fsr-3908	195	10	in	in	ADP
fsr-3908	195	11	the	the	DET
fsr-3908	195	12	accumulation	accumulation	NOUN
fsr-3908	195	13	of	of	ADP
fsr-3908	195	14	ordinary	ordinary	ADJ
fsr-3908	195	15	savings	saving	NOUN
fsr-3908	195	16	,	,	PUNCT
fsr-3908	195	17	males	male	NOUN
fsr-3908	195	18	are	be	AUX
fsr-3908	195	19	41h.w	41h.w	NUM
fsr-3908	195	20	.	.	PUNCT
fsr-3908	196	1	elder	elder	NOUN
fsr-3908	196	2	,	,	PUNCT
fsr-3908	196	3	p.m.	p.m.	NOUN
fsr-3908	196	4	rudolph	rudolph	PROPN
fsr-3908	196	5	/	/	SYM
fsr-3908	196	6	financial	financial	ADJ
fsr-3908	196	7	services	service	NOUN
fsr-3908	196	8	review	review	VERB
fsr-3908	196	9	9	9	NUM
fsr-3908	196	10	(	(	PUNCT
fsr-3908	196	11	2000	2000	NUM
fsr-3908	196	12	)	)	PUNCT
fsr-3908	196	13	33–45	33–45	NUM
fsr-3908	196	14	significantly	significantly	ADV
fsr-3908	196	15	more	more	ADV
fsr-3908	196	16	likely	likely	ADJ
fsr-3908	196	17	to	to	PART
fsr-3908	196	18	have	have	VERB
fsr-3908	196	19	higher	high	ADJ
fsr-3908	196	20	ira	ira	PROPN
fsr-3908	196	21	assets	asset	NOUN
fsr-3908	196	22	,	,	PUNCT
fsr-3908	196	23	and	and	CCONJ
fsr-3908	196	24	,	,	PUNCT
fsr-3908	196	25	in	in	ADP
fsr-3908	196	26	contrast	contrast	NOUN
fsr-3908	196	27	to	to	ADP
fsr-3908	196	28	the	the	DET
fsr-3908	196	29	findings	finding	NOUN
fsr-3908	196	30	for	for	ADP
fsr-3908	196	31	ordinary	ordinary	ADJ
fsr-3908	196	32	savings	saving	NOUN
fsr-3908	196	33	,	,	PUNCT
fsr-3908	196	34	married	married	ADJ
fsr-3908	196	35	and	and	CCONJ
fsr-3908	196	36	unmarried	unmarried	ADJ
fsr-3908	196	37	respondents	respondent	NOUN
fsr-3908	196	38	display	display	VERB
fsr-3908	196	39	no	no	DET
fsr-3908	196	40	significant	significant	ADJ
fsr-3908	196	41	differences	difference	NOUN
fsr-3908	196	42	in	in	ADP
fsr-3908	196	43	the	the	DET
fsr-3908	196	44	amount	amount	NOUN
fsr-3908	196	45	of	of	ADP
fsr-3908	196	46	ira	ira	PROPN
fsr-3908	196	47	savings	saving	NOUN
fsr-3908	196	48	.	.	PUNCT
fsr-3908	197	1	the	the	DET
fsr-3908	197	2	years	year	NOUN
fsr-3908	197	3	of	of	ADP
fsr-3908	197	4	work	work	NOUN
fsr-3908	197	5	experience	experience	NOUN
fsr-3908	197	6	are	be	AUX
fsr-3908	197	7	not	not	PART
fsr-3908	197	8	statistically	statistically	ADV
fsr-3908	197	9	significant	significant	ADJ
fsr-3908	197	10	in	in	ADP
fsr-3908	197	11	the	the	DET
fsr-3908	197	12	ira	ira	PROPN
fsr-3908	197	13	equation	equation	NOUN
fsr-3908	197	14	,	,	PUNCT
fsr-3908	197	15	unlike	unlike	ADP
fsr-3908	197	16	the	the	DET
fsr-3908	197	17	results	result	NOUN
fsr-3908	197	18	for	for	ADP
fsr-3908	197	19	both	both	PRON
fsr-3908	197	20	of	of	ADP
fsr-3908	197	21	the	the	DET
fsr-3908	197	22	regular	regular	ADJ
fsr-3908	197	23	savings	saving	NOUN
fsr-3908	197	24	equations	equation	NOUN
fsr-3908	197	25	.	.	PUNCT
fsr-3908	198	1	most	most	ADV
fsr-3908	198	2	notably	notably	ADV
fsr-3908	198	3	,	,	PUNCT
fsr-3908	198	4	those	those	PRON
fsr-3908	198	5	who	who	PRON
fsr-3908	198	6	are	be	AUX
fsr-3908	198	7	self	self	NOUN
fsr-3908	198	8	-	-	PUNCT
fsr-3908	198	9	employed	employ	VERB
fsr-3908	198	10	are	be	AUX
fsr-3908	198	11	significantly	significantly	ADV
fsr-3908	198	12	more	more	ADV
fsr-3908	198	13	likely	likely	ADJ
fsr-3908	198	14	to	to	PART
fsr-3908	198	15	have	have	VERB
fsr-3908	198	16	larger	large	ADJ
fsr-3908	198	17	accumulations	accumulation	NOUN
fsr-3908	198	18	of	of	ADP
fsr-3908	198	19	ira	ira	PROPN
fsr-3908	198	20	assets	asset	NOUN
fsr-3908	198	21	,	,	PUNCT
fsr-3908	198	22	though	though	SCONJ
fsr-3908	198	23	it	it	PRON
fsr-3908	198	24	is	be	AUX
fsr-3908	198	25	reasonable	reasonable	ADJ
fsr-3908	198	26	to	to	PART
fsr-3908	198	27	expect	expect	VERB
fsr-3908	198	28	these	these	DET
fsr-3908	198	29	individuals	individual	NOUN
fsr-3908	198	30	to	to	PART
fsr-3908	198	31	use	use	VERB
fsr-3908	198	32	this	this	DET
fsr-3908	198	33	type	type	NOUN
fsr-3908	198	34	of	of	ADP
fsr-3908	198	35	financial	financial	ADJ
fsr-3908	198	36	vehicle	vehicle	NOUN
fsr-3908	198	37	,	,	PUNCT
fsr-3908	198	38	since	since	SCONJ
fsr-3908	198	39	pensions	pension	NOUN
fsr-3908	198	40	are	be	AUX
fsr-3908	198	41	often	often	ADV
fsr-3908	198	42	unavailable	unavailable	ADJ
fsr-3908	198	43	.	.	PUNCT
fsr-3908	199	1	the	the	DET
fsr-3908	199	2	total	total	ADJ
fsr-3908	199	3	number	number	NOUN
fsr-3908	199	4	of	of	ADP
fsr-3908	199	5	children	child	NOUN
fsr-3908	199	6	is	be	AUX
fsr-3908	199	7	insignificant	insignificant	ADJ
fsr-3908	199	8	;	;	PUNCT
fsr-3908	199	9	however	however	ADV
fsr-3908	199	10	,	,	PUNCT
fsr-3908	199	11	the	the	DET
fsr-3908	199	12	number	number	NOUN
fsr-3908	199	13	of	of	ADP
fsr-3908	199	14	children	child	NOUN
fsr-3908	199	15	at	at	ADP
fsr-3908	199	16	home	home	NOUN
fsr-3908	199	17	has	have	VERB
fsr-3908	199	18	a	a	DET
fsr-3908	199	19	significant	significant	ADJ
fsr-3908	199	20	negative	negative	ADJ
fsr-3908	199	21	impact	impact	NOUN
fsr-3908	199	22	on	on	ADP
fsr-3908	199	23	nwira	nwira	PROPN
fsr-3908	199	24	.	.	PUNCT
fsr-3908	200	1	finally	finally	ADV
fsr-3908	200	2	,	,	PUNCT
fsr-3908	200	3	participation	participation	NOUN
fsr-3908	200	4	in	in	ADP
fsr-3908	200	5	a	a	DET
fsr-3908	200	6	retirement	retirement	NOUN
fsr-3908	200	7	plan	plan	NOUN
fsr-3908	200	8	is	be	AUX
fsr-3908	200	9	unrelated	unrelated	ADJ
fsr-3908	200	10	to	to	ADP
fsr-3908	200	11	ira	ira	PROPN
fsr-3908	200	12	accumulations	accumulation	NOUN
fsr-3908	200	13	,	,	PUNCT
fsr-3908	200	14	again	again	ADV
fsr-3908	200	15	different	different	ADJ
fsr-3908	200	16	from	from	ADP
fsr-3908	200	17	accumulations	accumulation	NOUN
fsr-3908	200	18	of	of	ADP
fsr-3908	200	19	savings	saving	NOUN
fsr-3908	200	20	outside	outside	ADP
fsr-3908	200	21	of	of	ADP
fsr-3908	200	22	retirement	retirement	NOUN
fsr-3908	200	23	plans	plan	NOUN
fsr-3908	200	24	.	.	PUNCT
fsr-3908	201	1	additionally	additionally	ADV
fsr-3908	201	2	,	,	PUNCT
fsr-3908	201	3	there	there	PRON
fsr-3908	201	4	is	be	VERB
fsr-3908	201	5	scant	scant	ADJ
fsr-3908	201	6	evidence	evidence	NOUN
fsr-3908	201	7	of	of	ADP
fsr-3908	201	8	selection	selection	NOUN
fsr-3908	201	9	bias	bias	NOUN
fsr-3908	201	10	in	in	ADP
fsr-3908	201	11	the	the	DET
fsr-3908	201	12	case	case	NOUN
fsr-3908	201	13	of	of	ADP
fsr-3908	201	14	ira	ira	PROPN
fsr-3908	201	15	savings	saving	NOUN
fsr-3908	201	16	.	.	PUNCT
fsr-3908	202	1	the	the	DET
fsr-3908	202	2	final	final	ADJ
fsr-3908	202	3	column	column	NOUN
fsr-3908	202	4	in	in	ADP
fsr-3908	202	5	table	table	NOUN
fsr-3908	202	6	2	2	NUM
fsr-3908	202	7	shows	show	VERB
fsr-3908	202	8	estimates	estimate	NOUN
fsr-3908	202	9	based	base	VERB
fsr-3908	202	10	upon	upon	SCONJ
fsr-3908	202	11	the	the	DET
fsr-3908	202	12	(	(	PUNCT
fsr-3908	202	13	self	self	NOUN
fsr-3908	202	14	-	-	PUNCT
fsr-3908	202	15	reported	report	VERB
fsr-3908	202	16	)	)	PUNCT
fsr-3908	202	17	expectations	expectation	NOUN
fsr-3908	202	18	of	of	ADP
fsr-3908	202	19	respondents	respondent	NOUN
fsr-3908	202	20	about	about	ADP
fsr-3908	202	21	the	the	DET
fsr-3908	202	22	level	level	NOUN
fsr-3908	202	23	of	of	ADP
fsr-3908	202	24	savings	saving	NOUN
fsr-3908	202	25	they	they	PRON
fsr-3908	202	26	will	will	AUX
fsr-3908	202	27	have	have	VERB
fsr-3908	202	28	in	in	ADP
fsr-3908	202	29	retirement	retirement	NOUN
fsr-3908	202	30	.	.	PUNCT
fsr-3908	203	1	there	there	PRON
fsr-3908	203	2	is	be	VERB
fsr-3908	203	3	remarkable	remarkable	ADJ
fsr-3908	203	4	consistency	consistency	NOUN
fsr-3908	203	5	here	here	ADV
fsr-3908	203	6	between	between	ADP
fsr-3908	203	7	the	the	DET
fsr-3908	203	8	results	result	NOUN
fsr-3908	203	9	for	for	ADP
fsr-3908	203	10	this	this	DET
fsr-3908	203	11	equation	equation	NOUN
fsr-3908	203	12	and	and	CCONJ
fsr-3908	203	13	the	the	DET
fsr-3908	203	14	estimates	estimate	NOUN
fsr-3908	203	15	for	for	ADP
fsr-3908	203	16	both	both	CCONJ
fsr-3908	203	17	financial	financial	ADJ
fsr-3908	203	18	assets	asset	NOUN
fsr-3908	203	19	and	and	CCONJ
fsr-3908	203	20	overall	overall	ADJ
fsr-3908	203	21	savings	saving	NOUN
fsr-3908	203	22	amounts	amount	NOUN
fsr-3908	203	23	.	.	PUNCT
fsr-3908	204	1	note	note	VERB
fsr-3908	204	2	that	that	SCONJ
fsr-3908	204	3	the	the	DET
fsr-3908	204	4	question	question	NOUN
fsr-3908	204	5	about	about	ADP
fsr-3908	204	6	expected	expect	VERB
fsr-3908	204	7	savings	saving	NOUN
fsr-3908	204	8	explicitly	explicitly	ADV
fsr-3908	204	9	asked	ask	VERB
fsr-3908	204	10	the	the	DET
fsr-3908	204	11	respondent	respondent	NOUN
fsr-3908	204	12	to	to	PART
fsr-3908	204	13	answer	answer	VERB
fsr-3908	204	14	based	base	VERB
fsr-3908	204	15	upon	upon	SCONJ
fsr-3908	204	16	overall	overall	ADJ
fsr-3908	204	17	savings	saving	NOUN
fsr-3908	204	18	but	but	CCONJ
fsr-3908	204	19	not	not	PART
fsr-3908	204	20	to	to	PART
fsr-3908	204	21	include	include	VERB
fsr-3908	204	22	either	either	CCONJ
fsr-3908	204	23	iras	ira	NOUN
fsr-3908	204	24	or	or	CCONJ
fsr-3908	204	25	pension	pension	NOUN
fsr-3908	204	26	benefits	benefit	NOUN
fsr-3908	204	27	.	.	PUNCT
fsr-3908	205	1	thus	thus	ADV
fsr-3908	205	2	,	,	PUNCT
fsr-3908	205	3	the	the	DET
fsr-3908	205	4	comparison	comparison	NOUN
fsr-3908	205	5	between	between	ADP
fsr-3908	205	6	columns	column	NOUN
fsr-3908	205	7	two	two	NUM
fsr-3908	205	8	,	,	PUNCT
fsr-3908	205	9	three	three	NUM
fsr-3908	205	10	and	and	CCONJ
fsr-3908	205	11	five	five	NUM
fsr-3908	205	12	is	be	AUX
fsr-3908	205	13	natural	natural	ADJ
fsr-3908	205	14	.	.	PUNCT
fsr-3908	206	1	the	the	DET
fsr-3908	206	2	only	only	ADJ
fsr-3908	206	3	differences	difference	NOUN
fsr-3908	206	4	in	in	ADP
fsr-3908	206	5	the	the	DET
fsr-3908	206	6	estimates	estimate	NOUN
fsr-3908	206	7	are	be	AUX
fsr-3908	206	8	found	find	VERB
fsr-3908	206	9	in	in	ADP
fsr-3908	206	10	the	the	DET
fsr-3908	206	11	gender	gender	NOUN
fsr-3908	206	12	variable	variable	NOUN
fsr-3908	206	13	:	:	PUNCT
fsr-3908	206	14	males	male	NOUN
fsr-3908	206	15	are	be	AUX
fsr-3908	206	16	significantly	significantly	ADV
fsr-3908	206	17	more	more	ADV
fsr-3908	206	18	optimistic	optimistic	ADJ
fsr-3908	206	19	about	about	ADP
fsr-3908	206	20	their	their	PRON
fsr-3908	206	21	level	level	NOUN
fsr-3908	206	22	of	of	ADP
fsr-3908	206	23	retirement	retirement	NOUN
fsr-3908	206	24	savings	saving	NOUN
fsr-3908	206	25	,	,	PUNCT
fsr-3908	206	26	in	in	SCONJ
fsr-3908	206	27	that	that	DET
fsr-3908	206	28	males	male	NOUN
fsr-3908	206	29	have	have	VERB
fsr-3908	206	30	a	a	DET
fsr-3908	206	31	significantly	significantly	ADV
fsr-3908	206	32	higher	high	ADJ
fsr-3908	206	33	level	level	NOUN
fsr-3908	206	34	of	of	ADP
fsr-3908	206	35	anticipated	anticipate	VERB
fsr-3908	206	36	savings	saving	NOUN
fsr-3908	206	37	,	,	PUNCT
fsr-3908	206	38	while	while	SCONJ
fsr-3908	206	39	there	there	PRON
fsr-3908	206	40	are	be	VERB
fsr-3908	206	41	no	no	DET
fsr-3908	206	42	significant	significant	ADJ
fsr-3908	206	43	gender	gender	NOUN
fsr-3908	206	44	differences	difference	NOUN
fsr-3908	206	45	in	in	ADP
fsr-3908	206	46	actual	actual	ADJ
fsr-3908	206	47	accumulations	accumulation	NOUN
fsr-3908	206	48	.	.	PUNCT
fsr-3908	207	1	there	there	PRON
fsr-3908	207	2	are	be	VERB
fsr-3908	207	3	also	also	ADV
fsr-3908	207	4	some	some	DET
fsr-3908	207	5	slight	slight	ADJ
fsr-3908	207	6	differences	difference	NOUN
fsr-3908	207	7	on	on	ADP
fsr-3908	207	8	the	the	DET
fsr-3908	207	9	basis	basis	NOUN
fsr-3908	207	10	of	of	ADP
fsr-3908	207	11	age	age	NOUN
fsr-3908	207	12	.	.	PUNCT
fsr-3908	208	1	older	old	ADJ
fsr-3908	208	2	individuals	individual	NOUN
fsr-3908	208	3	expect	expect	VERB
fsr-3908	208	4	to	to	PART
fsr-3908	208	5	have	have	VERB
fsr-3908	208	6	lower	low	ADJ
fsr-3908	208	7	retirement	retirement	NOUN
fsr-3908	208	8	savings	saving	NOUN
fsr-3908	208	9	than	than	SCONJ
fsr-3908	208	10	younger	young	ADJ
fsr-3908	208	11	respondents	respondent	NOUN
fsr-3908	208	12	do	do	VERB
fsr-3908	208	13	.	.	PUNCT
fsr-3908	209	1	these	these	DET
fsr-3908	209	2	individuals	individual	NOUN
fsr-3908	209	3	are	be	AUX
fsr-3908	209	4	likely	likely	ADJ
fsr-3908	209	5	to	to	PART
fsr-3908	209	6	be	be	AUX
fsr-3908	209	7	closer	close	ADJ
fsr-3908	209	8	to	to	ADP
fsr-3908	209	9	retirement	retirement	NOUN
fsr-3908	209	10	than	than	SCONJ
fsr-3908	209	11	are	be	AUX
fsr-3908	209	12	younger	young	ADJ
fsr-3908	209	13	individuals	individual	NOUN
fsr-3908	209	14	;	;	PUNCT
fsr-3908	209	15	therefore	therefore	ADV
fsr-3908	209	16	,	,	PUNCT
fsr-3908	209	17	this	this	PRON
fsr-3908	209	18	may	may	AUX
fsr-3908	209	19	not	not	PART
fsr-3908	209	20	constitute	constitute	VERB
fsr-3908	209	21	a	a	DET
fsr-3908	209	22	real	real	ADJ
fsr-3908	209	23	difference	difference	NOUN
fsr-3908	209	24	in	in	ADP
fsr-3908	209	25	the	the	DET
fsr-3908	209	26	estimates	estimate	NOUN
fsr-3908	209	27	but	but	CCONJ
fsr-3908	209	28	,	,	PUNCT
fsr-3908	209	29	rather	rather	ADV
fsr-3908	209	30	,	,	PUNCT
fsr-3908	209	31	better	well	ADJ
fsr-3908	209	32	information	information	NOUN
fsr-3908	209	33	about	about	ADP
fsr-3908	209	34	actual	actual	ADJ
fsr-3908	209	35	accumulations	accumulation	NOUN
fsr-3908	209	36	.	.	PUNCT
fsr-3908	210	1	indeed	indeed	ADV
fsr-3908	210	2	,	,	PUNCT
fsr-3908	210	3	if	if	SCONJ
fsr-3908	210	4	the	the	DET
fsr-3908	210	5	similarities	similarity	NOUN
fsr-3908	210	6	across	across	ADP
fsr-3908	210	7	the	the	DET
fsr-3908	210	8	two	two	NUM
fsr-3908	210	9	types	type	NOUN
fsr-3908	210	10	of	of	ADP
fsr-3908	210	11	estimates	estimate	NOUN
fsr-3908	210	12	are	be	AUX
fsr-3908	210	13	any	any	DET
fsr-3908	210	14	indication	indication	NOUN
fsr-3908	210	15	,	,	PUNCT
fsr-3908	210	16	there	there	PRON
fsr-3908	210	17	is	be	VERB
fsr-3908	210	18	consistency	consistency	NOUN
fsr-3908	210	19	between	between	ADP
fsr-3908	210	20	actual	actual	ADJ
fsr-3908	210	21	accumulations	accumulation	NOUN
fsr-3908	210	22	and	and	CCONJ
fsr-3908	210	23	the	the	DET
fsr-3908	210	24	expected	expect	VERB
fsr-3908	210	25	levels	level	NOUN
fsr-3908	210	26	of	of	ADP
fsr-3908	210	27	savings	saving	NOUN
fsr-3908	210	28	upon	upon	SCONJ
fsr-3908	210	29	retirement	retirement	NOUN
fsr-3908	210	30	.	.	PUNCT
fsr-3908	211	1	of	of	ADP
fsr-3908	211	2	course	course	NOUN
fsr-3908	211	3	,	,	PUNCT
fsr-3908	211	4	these	these	DET
fsr-3908	211	5	results	result	NOUN
fsr-3908	211	6	do	do	AUX
fsr-3908	211	7	not	not	PART
fsr-3908	211	8	address	address	VERB
fsr-3908	211	9	the	the	DET
fsr-3908	211	10	issue	issue	NOUN
fsr-3908	211	11	of	of	ADP
fsr-3908	211	12	savingsadequacy.additional	savingsadequacy.additional	ADJ
fsr-3908	211	13	work	work	NOUN
fsr-3908	211	14	on	on	ADP
fsr-3908	211	15	this	this	DET
fsr-3908	211	16	needs	need	NOUN
fsr-3908	211	17	to	to	PART
fsr-3908	211	18	be	be	AUX
fsr-3908	211	19	done	do	VERB
fsr-3908	211	20	to	to	PART
fsr-3908	211	21	determine	determine	VERB
fsr-3908	211	22	the	the	DET
fsr-3908	211	23	underlying	underlie	VERB
fsr-3908	211	24	relationship	relationship	NOUN
fsr-3908	211	25	between	between	ADP
fsr-3908	211	26	the	the	DET
fsr-3908	211	27	size	size	NOUN
fsr-3908	211	28	of	of	ADP
fsr-3908	211	29	accumulated	accumulate	VERB
fsr-3908	211	30	savings	saving	NOUN
fsr-3908	211	31	and	and	CCONJ
fsr-3908	211	32	expected	expect	VERB
fsr-3908	211	33	retirement	retirement	NOUN
fsr-3908	211	34	levels	level	NOUN
fsr-3908	211	35	.	.	PUNCT
fsr-3908	212	1	5.2	5.2	NUM
fsr-3908	212	2	.	.	PUNCT
fsr-3908	213	1	expectations	expectation	NOUN
fsr-3908	213	2	about	about	ADP
fsr-3908	213	3	changes	change	NOUN
fsr-3908	213	4	in	in	ADP
fsr-3908	213	5	the	the	DET
fsr-3908	213	6	living	living	NOUN
fsr-3908	213	7	standard	standard	NOUN
fsr-3908	213	8	the	the	DET
fsr-3908	213	9	results	result	NOUN
fsr-3908	213	10	for	for	ADP
fsr-3908	213	11	the	the	DET
fsr-3908	213	12	estimates	estimate	NOUN
fsr-3908	213	13	of	of	ADP
fsr-3908	213	14	expected	expect	VERB
fsr-3908	213	15	living	living	NOUN
fsr-3908	213	16	standard	standard	NOUN
fsr-3908	213	17	can	can	AUX
fsr-3908	213	18	be	be	AUX
fsr-3908	213	19	found	find	VERB
fsr-3908	213	20	in	in	ADP
fsr-3908	213	21	table	table	NOUN
fsr-3908	213	22	3	3	NUM
fsr-3908	213	23	.	.	PUNCT
fsr-3908	214	1	all	all	PRON
fsr-3908	214	2	of	of	ADP
fsr-3908	214	3	the	the	DET
fsr-3908	214	4	results	result	NOUN
fsr-3908	214	5	examine	examine	VERB
fsr-3908	214	6	the	the	DET
fsr-3908	214	7	relationship	relationship	NOUN
fsr-3908	214	8	between	between	ADP
fsr-3908	214	9	the	the	DET
fsr-3908	214	10	anticipated	anticipate	VERB
fsr-3908	214	11	living	living	NOUN
fsr-3908	214	12	standard	standard	ADJ
fsr-3908	214	13	and	and	CCONJ
fsr-3908	214	14	objective	objective	ADJ
fsr-3908	214	15	measures	measure	NOUN
fsr-3908	214	16	of	of	ADP
fsr-3908	214	17	the	the	DET
fsr-3908	214	18	individual	individual	NOUN
fsr-3908	214	19	’s	’s	PART
fsr-3908	214	20	ability	ability	NOUN
fsr-3908	214	21	to	to	PART
fsr-3908	214	22	replace	replace	VERB
fsr-3908	214	23	income	income	NOUN
fsr-3908	214	24	.	.	PUNCT
fsr-3908	215	1	the	the	DET
fsr-3908	215	2	differences	difference	NOUN
fsr-3908	215	3	displayed	display	VERB
fsr-3908	215	4	across	across	ADP
fsr-3908	215	5	the	the	DET
fsr-3908	215	6	columns	column	NOUN
fsr-3908	215	7	depend	depend	VERB
fsr-3908	215	8	upon	upon	SCONJ
fsr-3908	215	9	the	the	DET
fsr-3908	215	10	savings	saving	NOUN
fsr-3908	215	11	or	or	CCONJ
fsr-3908	215	12	income	income	NOUN
fsr-3908	215	13	measures	measure	NOUN
fsr-3908	215	14	included	include	VERB
fsr-3908	215	15	in	in	ADP
fsr-3908	215	16	the	the	DET
fsr-3908	215	17	specification	specification	NOUN
fsr-3908	215	18	.	.	PUNCT
fsr-3908	216	1	the	the	DET
fsr-3908	216	2	first	first	ADJ
fsr-3908	216	3	column	column	NOUN
fsr-3908	216	4	includes	include	VERB
fsr-3908	216	5	income	income	NOUN
fsr-3908	216	6	and	and	CCONJ
fsr-3908	216	7	accumulated	accumulate	VERB
fsr-3908	216	8	financial	financial	ADJ
fsr-3908	216	9	assets	asset	NOUN
fsr-3908	216	10	plus	plus	CCONJ
fsr-3908	216	11	the	the	DET
fsr-3908	216	12	value	value	NOUN
fsr-3908	216	13	of	of	ADP
fsr-3908	216	14	ira	ira	PROPN
fsr-3908	216	15	assets	asset	NOUN
fsr-3908	216	16	.	.	PUNCT
fsr-3908	217	1	the	the	DET
fsr-3908	217	2	subsequent	subsequent	ADJ
fsr-3908	217	3	columns	column	NOUN
fsr-3908	217	4	move	move	VERB
fsr-3908	217	5	from	from	ADP
fsr-3908	217	6	absolute	absolute	ADJ
fsr-3908	217	7	measures	measure	NOUN
fsr-3908	217	8	of	of	ADP
fsr-3908	217	9	income	income	NOUN
fsr-3908	217	10	or	or	CCONJ
fsr-3908	217	11	wealth	wealth	NOUN
fsr-3908	217	12	to	to	ADP
fsr-3908	217	13	relative	relative	ADJ
fsr-3908	217	14	measures	measure	NOUN
fsr-3908	217	15	that	that	PRON
fsr-3908	217	16	attempt	attempt	VERB
fsr-3908	217	17	to	to	PART
fsr-3908	217	18	measure	measure	VERB
fsr-3908	217	19	the	the	DET
fsr-3908	217	20	extent	extent	NOUN
fsr-3908	217	21	to	to	PART
fsr-3908	217	22	which	which	PRON
fsr-3908	217	23	income	income	NOUN
fsr-3908	217	24	replacement	replacement	NOUN
fsr-3908	217	25	is	be	AUX
fsr-3908	217	26	to	to	PART
fsr-3908	217	27	be	be	AUX
fsr-3908	217	28	accomplished	accomplish	VERB
fsr-3908	217	29	.	.	PUNCT
fsr-3908	218	1	the	the	DET
fsr-3908	218	2	dependent	dependent	ADJ
fsr-3908	218	3	variable	variable	NOUN
fsr-3908	218	4	is	be	AUX
fsr-3908	218	5	defined	define	VERB
fsr-3908	218	6	as	as	ADP
fsr-3908	218	7	arelative	arelative	ADJ
fsr-3908	218	8	change	change	NOUN
fsr-3908	218	9	in	in	ADP
fsr-3908	218	10	the	the	DET
fsr-3908	218	11	living	living	NOUN
fsr-3908	218	12	standard	standard	NOUN
fsr-3908	218	13	,	,	PUNCT
fsr-3908	218	14	that	that	ADV
fsr-3908	218	15	is	is	ADV
fsr-3908	218	16	,	,	PUNCT
fsr-3908	218	17	whether	whether	SCONJ
fsr-3908	218	18	they	they	PRON
fsr-3908	218	19	expect	expect	VERB
fsr-3908	218	20	their	their	PRON
fsr-3908	218	21	standard	standard	NOUN
fsr-3908	218	22	of	of	ADP
fsr-3908	218	23	living	live	VERB
fsr-3908	218	24	to	to	PART
fsr-3908	218	25	improve	improve	VERB
fsr-3908	218	26	,	,	PUNCT
fsr-3908	218	27	stay	stay	VERB
fsr-3908	218	28	the	the	DET
fsr-3908	218	29	same	same	ADJ
fsr-3908	218	30	or	or	CCONJ
fsr-3908	218	31	worsen	worsen	VERB
fsr-3908	218	32	.	.	PUNCT
fsr-3908	219	1	if	if	SCONJ
fsr-3908	219	2	one	one	NUM
fsr-3908	219	3	were	be	AUX
fsr-3908	219	4	measuring	measure	VERB
fsr-3908	219	5	the	the	DET
fsr-3908	219	6	absolute	absolute	ADJ
fsr-3908	219	7	standard	standard	NOUN
fsr-3908	219	8	of	of	ADP
fsr-3908	219	9	living	living	NOUN
fsr-3908	219	10	,	,	PUNCT
fsr-3908	219	11	the	the	DET
fsr-3908	219	12	results	result	NOUN
fsr-3908	219	13	presented	present	VERB
fsr-3908	219	14	in	in	ADP
fsr-3908	219	15	the	the	DET
fsr-3908	219	16	table	table	NOUN
fsr-3908	219	17	may	may	AUX
fsr-3908	219	18	appear	appear	VERB
fsr-3908	219	19	counterintuitive	counterintuitive	ADJ
fsr-3908	219	20	,	,	PUNCT
fsr-3908	219	21	but	but	CCONJ
fsr-3908	219	22	not	not	PART
fsr-3908	219	23	in	in	ADP
fsr-3908	219	24	relative	relative	ADJ
fsr-3908	219	25	terms	term	NOUN
fsr-3908	219	26	.	.	PUNCT
fsr-3908	220	1	an	an	DET
fsr-3908	220	2	example	example	NOUN
fsr-3908	220	3	of	of	ADP
fsr-3908	220	4	this	this	PRON
fsr-3908	220	5	is	be	AUX
fsr-3908	220	6	found	find	VERB
fsr-3908	220	7	in	in	ADP
fsr-3908	220	8	the	the	DET
fsr-3908	220	9	results	result	NOUN
fsr-3908	220	10	for	for	ADP
fsr-3908	220	11	the	the	DET
fsr-3908	220	12	first	first	ADJ
fsr-3908	220	13	column	column	NOUN
fsr-3908	220	14	.	.	PUNCT
fsr-3908	221	1	the	the	DET
fsr-3908	221	2	income	income	NOUN
fsr-3908	221	3	variable	variable	NOUN
fsr-3908	221	4	is	be	AUX
fsr-3908	221	5	negative	negative	ADJ
fsr-3908	221	6	and	and	CCONJ
fsr-3908	221	7	not	not	PART
fsr-3908	221	8	statistically	statistically	ADV
fsr-3908	221	9	significant	significant	ADJ
fsr-3908	221	10	.	.	PUNCT
fsr-3908	222	1	the	the	DET
fsr-3908	222	2	anticipated	anticipated	ADJ
fsr-3908	222	3	42	42	NUM
fsr-3908	222	4	h.w	h.w	PROPN
fsr-3908	222	5	.	.	PROPN
fsr-3908	222	6	elder	elder	PROPN
fsr-3908	222	7	,	,	PUNCT
fsr-3908	222	8	p.m.	p.m.	NOUN
fsr-3908	222	9	rudolph	rudolph	PROPN
fsr-3908	222	10	/	/	SYM
fsr-3908	222	11	financial	financial	ADJ
fsr-3908	222	12	services	service	NOUN
fsr-3908	222	13	review	review	VERB
fsr-3908	222	14	9	9	NUM
fsr-3908	222	15	(	(	PUNCT
fsr-3908	222	16	2000	2000	NUM
fsr-3908	222	17	)	)	PUNCT
fsr-3908	222	18	33–45	33–45	NUM
fsr-3908	222	19	change	change	NOUN
fsr-3908	222	20	in	in	ADP
fsr-3908	222	21	living	living	NOUN
fsr-3908	222	22	standard	standard	NOUN
fsr-3908	222	23	after	after	ADP
fsr-3908	222	24	retirement	retirement	NOUN
fsr-3908	222	25	is	be	AUX
fsr-3908	222	26	unrelated	unrelated	ADJ
fsr-3908	222	27	to	to	ADP
fsr-3908	222	28	income	income	NOUN
fsr-3908	222	29	level	level	NOUN
fsr-3908	222	30	,	,	PUNCT
fsr-3908	222	31	even	even	ADV
fsr-3908	222	32	though	though	SCONJ
fsr-3908	222	33	people	people	NOUN
fsr-3908	222	34	with	with	ADP
fsr-3908	222	35	higher	high	ADJ
fsr-3908	222	36	incomes	income	NOUN
fsr-3908	222	37	are	be	AUX
fsr-3908	222	38	likely	likely	ADJ
fsr-3908	222	39	to	to	PART
fsr-3908	222	40	have	have	VERB
fsr-3908	222	41	higher	high	ADJ
fsr-3908	222	42	living	living	NOUN
fsr-3908	222	43	standards	standard	NOUN
fsr-3908	222	44	than	than	SCONJ
fsr-3908	222	45	do	do	VERB
fsr-3908	222	46	people	people	NOUN
fsr-3908	222	47	with	with	ADP
fsr-3908	222	48	lower	low	ADJ
fsr-3908	222	49	incomes	income	NOUN
fsr-3908	222	50	.	.	PUNCT
fsr-3908	223	1	their	their	PRON
fsr-3908	223	2	expectations	expectation	NOUN
fsr-3908	223	3	about	about	ADP
fsr-3908	223	4	their	their	PRON
fsr-3908	223	5	future	future	ADJ
fsr-3908	223	6	standard	standard	NOUN
fsr-3908	223	7	of	of	ADP
fsr-3908	223	8	living	living	NOUN
fsr-3908	223	9	—	—	PUNCT
fsr-3908	223	10	relative	relative	ADJ
fsr-3908	223	11	to	to	ADP
fsr-3908	223	12	their	their	PRON
fsr-3908	223	13	current	current	ADJ
fsr-3908	223	14	standard	standard	NOUN
fsr-3908	223	15	of	of	ADP
fsr-3908	223	16	living	living	NOUN
fsr-3908	223	17	—	—	PUNCT
fsr-3908	223	18	are	be	AUX
fsr-3908	223	19	unrelated	unrelated	ADJ
fsr-3908	223	20	to	to	ADP
fsr-3908	223	21	an	an	DET
fsr-3908	223	22	absolute	absolute	ADJ
fsr-3908	223	23	measure	measure	NOUN
fsr-3908	223	24	of	of	ADP
fsr-3908	223	25	income	income	NOUN
fsr-3908	223	26	.	.	PUNCT
fsr-3908	224	1	many	many	ADJ
fsr-3908	224	2	of	of	ADP
fsr-3908	224	3	the	the	DET
fsr-3908	224	4	other	other	ADJ
fsr-3908	224	5	variables	variable	NOUN
fsr-3908	224	6	work	work	VERB
fsr-3908	224	7	in	in	ADP
fsr-3908	224	8	a	a	DET
fsr-3908	224	9	manner	manner	NOUN
fsr-3908	224	10	comparable	comparable	ADJ
fsr-3908	224	11	to	to	ADP
fsr-3908	224	12	these	these	DET
fsr-3908	224	13	findings	finding	NOUN
fsr-3908	224	14	.	.	PUNCT
fsr-3908	225	1	respondents	respondent	NOUN
fsr-3908	225	2	who	who	PRON
fsr-3908	225	3	are	be	AUX
fsr-3908	225	4	white	white	ADJ
fsr-3908	225	5	may	may	AUX
fsr-3908	225	6	expect	expect	VERB
fsr-3908	225	7	(	(	PUNCT
fsr-3908	225	8	because	because	SCONJ
fsr-3908	225	9	their	their	PRON
fsr-3908	225	10	socioeconomic	socioeconomic	ADJ
fsr-3908	225	11	status	status	NOUN
fsr-3908	225	12	may	may	AUX
fsr-3908	225	13	be	be	AUX
fsr-3908	225	14	higher	high	ADJ
fsr-3908	225	15	)	)	PUNCT
fsr-3908	225	16	that	that	SCONJ
fsr-3908	225	17	this	this	DET
fsr-3908	225	18	level	level	NOUN
fsr-3908	225	19	may	may	AUX
fsr-3908	225	20	not	not	PART
fsr-3908	225	21	be	be	AUX
fsr-3908	225	22	maintained	maintain	VERB
fsr-3908	225	23	in	in	ADP
fsr-3908	225	24	retirement	retirement	NOUN
fsr-3908	225	25	,	,	PUNCT
fsr-3908	225	26	while	while	SCONJ
fsr-3908	225	27	minority	minority	NOUN
fsr-3908	225	28	individuals	individual	NOUN
fsr-3908	225	29	—	—	PUNCT
fsr-3908	225	30	at	at	ADP
fsr-3908	225	31	a	a	DET
fsr-3908	225	32	lower	low	ADJ
fsr-3908	225	33	level	level	NOUN
fsr-3908	225	34	—	—	PUNCT
fsr-3908	225	35	may	may	AUX
fsr-3908	225	36	view	view	VERB
fsr-3908	225	37	the	the	DET
fsr-3908	225	38	potential	potential	ADJ
fsr-3908	225	39	change	change	NOUN
fsr-3908	225	40	in	in	ADP
fsr-3908	225	41	their	their	PRON
fsr-3908	225	42	living	living	NOUN
fsr-3908	225	43	standard	standard	NOUN
fsr-3908	225	44	more	more	ADV
fsr-3908	225	45	positively	positively	ADV
fsr-3908	225	46	.	.	PUNCT
fsr-3908	226	1	similarly	similarly	ADV
fsr-3908	226	2	,	,	PUNCT
fsr-3908	226	3	the	the	DET
fsr-3908	226	4	results	result	NOUN
fsr-3908	226	5	for	for	ADP
fsr-3908	226	6	the	the	DET
fsr-3908	226	7	respondent	respondent	NOUN
fsr-3908	226	8	’s	’s	PART
fsr-3908	226	9	education	education	NOUN
fsr-3908	226	10	level	level	NOUN
fsr-3908	226	11	are	be	AUX
fsr-3908	226	12	negative	negative	ADJ
fsr-3908	226	13	and	and	CCONJ
fsr-3908	226	14	(	(	PUNCT
fsr-3908	226	15	marginally	marginally	ADV
fsr-3908	226	16	)	)	PUNCT
fsr-3908	226	17	statistically	statistically	ADV
fsr-3908	226	18	significant	significant	ADJ
fsr-3908	226	19	.	.	PUNCT
fsr-3908	227	1	education	education	NOUN
fsr-3908	227	2	may	may	AUX
fsr-3908	227	3	increase	increase	VERB
fsr-3908	227	4	income	income	NOUN
fsr-3908	227	5	in	in	ADP
fsr-3908	227	6	absolute	absolute	ADJ
fsr-3908	227	7	levels	level	NOUN
fsr-3908	227	8	,	,	PUNCT
fsr-3908	227	9	but	but	CCONJ
fsr-3908	227	10	may	may	AUX
fsr-3908	227	11	not	not	PART
fsr-3908	227	12	positively	positively	ADV
fsr-3908	227	13	affect	affect	VERB
fsr-3908	227	14	the	the	DET
fsr-3908	227	15	anticipated	anticipated	ADJ
fsr-3908	227	16	retirement	retirement	NOUN
fsr-3908	227	17	living	living	NOUN
fsr-3908	227	18	standards	standard	NOUN
fsr-3908	227	19	.	.	PUNCT
fsr-3908	228	1	table	table	NOUN
fsr-3908	228	2	3	3	NUM
fsr-3908	228	3	ordered	order	VERB
fsr-3908	228	4	probit	probit	NOUN
fsr-3908	228	5	model	model	NOUN
fsr-3908	228	6	of	of	ADP
fsr-3908	228	7	expected	expect	VERB
fsr-3908	228	8	standard	standard	NOUN
fsr-3908	228	9	of	of	ADP
fsr-3908	228	10	living	live	VERB
fsr-3908	228	11	retirement	retirement	NOUN
fsr-3908	228	12	variable	variable	NOUN
fsr-3908	228	13	(	(	PUNCT
fsr-3908	228	14	1	1	NUM
fsr-3908	228	15	)	)	PUNCT
fsr-3908	228	16	(	(	PUNCT
fsr-3908	228	17	2	2	NUM
fsr-3908	228	18	)	)	PUNCT
fsr-3908	228	19	(	(	PUNCT
fsr-3908	228	20	3	3	X
fsr-3908	228	21	)	)	PUNCT
fsr-3908	228	22	(	(	PUNCT
fsr-3908	228	23	4	4	X
fsr-3908	228	24	)	)	PUNCT
fsr-3908	228	25	constant	constant	ADJ
fsr-3908	228	26	2.420	2.420	NUM
fsr-3908	228	27	2.048	2.048	NUM
fsr-3908	228	28	2.204	2.204	NUM
fsr-3908	228	29	2.202	2.202	NUM
fsr-3908	228	30	(	(	PUNCT
fsr-3908	228	31	6.410	6.410	NUM
fsr-3908	228	32	)	)	PUNCT
fsr-3908	228	33	(	(	PUNCT
fsr-3908	228	34	6.698	6.698	NUM
fsr-3908	228	35	)	)	PUNCT
fsr-3908	228	36	(	(	PUNCT
fsr-3908	228	37	7.158	7.158	NUM
fsr-3908	228	38	)	)	PUNCT
fsr-3908	228	39	(	(	PUNCT
fsr-3908	228	40	7.149	7.149	NUM
fsr-3908	228	41	)	)	PUNCT
fsr-3908	228	42	male	male	NOUN
fsr-3908	228	43	.2372	.2372	NOUN
fsr-3908	228	44	.2306	.2306	PROPN
fsr-3908	229	1	.2383	.2383	INTJ
fsr-3908	229	2	.2381	.2381	PROPN
fsr-3908	229	3	(	(	PUNCT
fsr-3908	229	4	5.593	5.593	NUM
fsr-3908	229	5	)	)	PUNCT
fsr-3908	229	6	(	(	PUNCT
fsr-3908	229	7	5.431	5.431	NUM
fsr-3908	229	8	)	)	PUNCT
fsr-3908	229	9	(	(	PUNCT
fsr-3908	229	10	5.620	5.620	NUM
fsr-3908	229	11	)	)	PUNCT
fsr-3908	229	12	(	(	PUNCT
fsr-3908	229	13	5.615	5.615	NUM
fsr-3908	229	14	)	)	PUNCT
fsr-3908	229	15	white	white	NOUN
fsr-3908	229	16	2.1833	2.1833	NUM
fsr-3908	229	17	2.1724	2.1724	NUM
fsr-3908	229	18	2.1835	2.1835	NUM
fsr-3908	229	19	2.1839	2.1839	NUM
fsr-3908	229	20	(	(	PUNCT
fsr-3908	229	21	5.121	5.121	NUM
fsr-3908	229	22	)	)	PUNCT
fsr-3908	229	23	(	(	PUNCT
fsr-3908	229	24	4.863	4.863	NUM
fsr-3908	229	25	)	)	PUNCT
fsr-3908	229	26	(	(	PUNCT
fsr-3908	229	27	5.151	5.151	NUM
fsr-3908	229	28	)	)	PUNCT
fsr-3908	229	29	(	(	PUNCT
fsr-3908	229	30	5.163	5.163	NUM
fsr-3908	229	31	)	)	PUNCT
fsr-3908	229	32	married	marry	VERB
fsr-3908	229	33	.0289	.0289	NOUN
fsr-3908	230	1	.0331	.0331	NUM
fsr-3908	230	2	.0193	.0193	PROPN
fsr-3908	230	3	.0188	.0188	PROPN
fsr-3908	230	4	(	(	PUNCT
fsr-3908	230	5	0.737	0.737	NUM
fsr-3908	230	6	)	)	PUNCT
fsr-3908	230	7	(	(	PUNCT
fsr-3908	230	8	0.925	0.925	NUM
fsr-3908	230	9	)	)	PUNCT
fsr-3908	230	10	(	(	PUNCT
fsr-3908	230	11	0.539	0.539	NUM
fsr-3908	230	12	)	)	PUNCT
fsr-3908	230	13	(	(	PUNCT
fsr-3908	230	14	0.525	0.525	NUM
fsr-3908	230	15	)	)	PUNCT
fsr-3908	230	16	age	age	NOUN
fsr-3908	230	17	2.0131	2.0131	NUM
fsr-3908	230	18	2.0110	2.0110	NUM
fsr-3908	230	19	2.0130	2.0130	NUM
fsr-3908	230	20	2.0129	2.0129	NUM
fsr-3908	230	21	(	(	PUNCT
fsr-3908	230	22	2.5580	2.5580	NUM
fsr-3908	230	23	(	(	PUNCT
fsr-3908	230	24	2.157	2.157	NUM
fsr-3908	230	25	)	)	PUNCT
fsr-3908	230	26	(	(	PUNCT
fsr-3908	230	27	2.534	2.534	NUM
fsr-3908	230	28	)	)	PUNCT
fsr-3908	230	29	(	(	PUNCT
fsr-3908	230	30	2.523	2.523	NUM
fsr-3908	230	31	)	)	PUNCT
fsr-3908	230	32	edyrs	edyr	VERB
fsr-3908	230	33	2.0098	2.0098	NUM
fsr-3908	230	34	2.0070	2.0070	NUM
fsr-3908	230	35	2.0106	2.0106	NUM
fsr-3908	230	36	2.0107	2.0107	NUM
fsr-3908	230	37	(	(	PUNCT
fsr-3908	230	38	1.696	1.696	NUM
fsr-3908	230	39	)	)	PUNCT
fsr-3908	230	40	(	(	PUNCT
fsr-3908	230	41	1.278	1.278	NUM
fsr-3908	230	42	)	)	PUNCT
fsr-3908	230	43	(	(	PUNCT
fsr-3908	230	44	1.935	1.935	NUM
fsr-3908	230	45	)	)	PUNCT
fsr-3908	230	46	(	(	PUNCT
fsr-3908	230	47	1.950	1.950	NUM
fsr-3908	230	48	)	)	PUNCT
fsr-3908	230	49	hlth	hlth	NOUN
fsr-3908	230	50	.1356	.1356	NOUN
fsr-3908	231	1	.1374	.1374	PROPN
fsr-3908	232	1	.1330	.1330	PROPN
fsr-3908	232	2	.1327	.1327	NOUN
fsr-3908	232	3	(	(	PUNCT
fsr-3908	232	4	2.655	2.655	NUM
fsr-3908	232	5	)	)	PUNCT
fsr-3908	232	6	(	(	PUNCT
fsr-3908	232	7	2.697	2.697	NUM
fsr-3908	232	8	)	)	PUNCT
fsr-3908	232	9	(	(	PUNCT
fsr-3908	232	10	2.612	2.612	NUM
fsr-3908	232	11	)	)	PUNCT
fsr-3908	232	12	(	(	PUNCT
fsr-3908	232	13	2.605	2.605	NUM
fsr-3908	232	14	)	)	PUNCT
fsr-3908	232	15	hhinc	hhinc	NOUN
fsr-3908	232	16	(	(	PUNCT
fsr-3908	232	17	log	log	NOUN
fsr-3908	232	18	)	)	PUNCT
fsr-3908	232	19	2.0219	2.0219	NUM
fsr-3908	232	20	—	—	PUNCT
fsr-3908	232	21	—	—	PUNCT
fsr-3908	232	22	—	—	PUNCT
fsr-3908	232	23	(	(	PUNCT
fsr-3908	232	24	0.872	0.872	NUM
fsr-3908	232	25	)	)	PUNCT
fsr-3908	232	26	totkids	totkid	NOUN
fsr-3908	232	27	.0117	.0117	PROPN
fsr-3908	232	28	.0113	.0113	PROPN
fsr-3908	232	29	.0123	.0123	PROPN
fsr-3908	232	30	.0123	.0123	PROPN
fsr-3908	233	1	(	(	PUNCT
fsr-3908	233	2	1.163	1.163	NUM
fsr-3908	233	3	)	)	PUNCT
fsr-3908	233	4	(	(	PUNCT
fsr-3908	233	5	1.124	1.124	NUM
fsr-3908	233	6	)	)	PUNCT
fsr-3908	233	7	(	(	PUNCT
fsr-3908	233	8	1.223	1.223	NUM
fsr-3908	233	9	)	)	PUNCT
fsr-3908	233	10	(	(	PUNCT
fsr-3908	233	11	1.228	1.228	NUM
fsr-3908	233	12	)	)	PUNCT
fsr-3908	233	13	kidsah	kidsah	NOUN
fsr-3908	234	1	.0133	.0133	PROPN
fsr-3908	234	2	.0127	.0127	PROPN
fsr-3908	234	3	.0129	.0129	PROPN
fsr-3908	235	1	.0129	.0129	INTJ
fsr-3908	235	2	(	(	PUNCT
fsr-3908	235	3	0.522	0.522	NUM
fsr-3908	235	4	)	)	PUNCT
fsr-3908	235	5	(	(	PUNCT
fsr-3908	235	6	0.512	0.512	NUM
fsr-3908	235	7	)	)	PUNCT
fsr-3908	235	8	(	(	PUNCT
fsr-3908	235	9	0.520	0.520	NUM
fsr-3908	235	10	)	)	PUNCT
fsr-3908	235	11	(	(	PUNCT
fsr-3908	235	12	0.520	0.520	NUM
fsr-3908	235	13	)	)	PUNCT
fsr-3908	236	1	selfemp	selfemp	NOUN
fsr-3908	236	2	.0924	.0924	NOUN
fsr-3908	237	1	.1085	.1085	PUNCT
fsr-3908	237	2	.0920	.0920	PUNCT
fsr-3908	238	1	.0927	.0927	PROPN
fsr-3908	238	2	(	(	PUNCT
fsr-3908	238	3	1.804	1.804	NUM
fsr-3908	238	4	)	)	PUNCT
fsr-3908	238	5	(	(	PUNCT
fsr-3908	238	6	2.138	2.138	NUM
fsr-3908	238	7	)	)	PUNCT
fsr-3908	238	8	(	(	PUNCT
fsr-3908	238	9	1.804	1.804	NUM
fsr-3908	238	10	)	)	PUNCT
fsr-3908	238	11	(	(	PUNCT
fsr-3908	238	12	1.818	1.818	NUM
fsr-3908	238	13	)	)	PUNCT
fsr-3908	238	14	retplan	retplan	NOUN
fsr-3908	238	15	.0420	.0420	NOUN
fsr-3908	238	16	.0408	.0408	PROPN
fsr-3908	239	1	.0396	.0396	PROPN
fsr-3908	239	2	.0394	.0394	NOUN
fsr-3908	239	3	(	(	PUNCT
fsr-3908	239	4	1.140	1.140	NUM
fsr-3908	239	5	)	)	PUNCT
fsr-3908	239	6	(	(	PUNCT
fsr-3908	239	7	1.144	1.144	NUM
fsr-3908	239	8	)	)	PUNCT
fsr-3908	239	9	(	(	PUNCT
fsr-3908	239	10	1.109	1.109	NUM
fsr-3908	239	11	)	)	PUNCT
fsr-3908	239	12	(	(	PUNCT
fsr-3908	239	13	1.103	1.103	NUM
fsr-3908	239	14	)	)	PUNCT
fsr-3908	239	15	savefin	savefin	NOUN
fsr-3908	239	16	.33	.33	PROPN
fsr-3908	239	17	e206	e206	PROPN
fsr-3908	239	18	—	—	PUNCT
fsr-3908	239	19	—	—	PUNCT
fsr-3908	239	20	—	—	PUNCT
fsr-3908	239	21	(	(	PUNCT
fsr-3908	239	22	2.991	2.991	NUM
fsr-3908	239	23	)	)	PUNCT
fsr-3908	239	24	nwira	nwira	PROPN
fsr-3908	239	25	.13	.13	NUM
fsr-3908	240	1	e205	e205	PROPN
fsr-3908	240	2	—	—	PUNCT
fsr-3908	241	1	.13	.13	NUM
fsr-3908	241	2	e205	e205	NUM
fsr-3908	241	3	.13	.13	NUM
fsr-3908	241	4	e205	e205	PROPN
fsr-3908	241	5	(	(	PUNCT
fsr-3908	241	6	2.586	2.586	NUM
fsr-3908	241	7	)	)	PUNCT
fsr-3908	241	8	(	(	PUNCT
fsr-3908	241	9	2.885	2.885	NUM
fsr-3908	241	10	)	)	PUNCT
fsr-3908	241	11	(	(	PUNCT
fsr-3908	241	12	2.862	2.862	NUM
fsr-3908	241	13	)	)	PUNCT
fsr-3908	241	14	wlthinc	wlthinc	NOUN
fsr-3908	241	15	—	—	PUNCT
fsr-3908	241	16	.0105	.0105	NOUN
fsr-3908	241	17	.0092	.0092	PROPN
fsr-3908	241	18	.0089	.0089	NOUN
fsr-3908	241	19	(	(	PUNCT
fsr-3908	241	20	2.444	2.444	NUM
fsr-3908	241	21	)	)	PUNCT
fsr-3908	241	22	(	(	PUNCT
fsr-3908	241	23	1.901	1.901	NUM
fsr-3908	241	24	)	)	PUNCT
fsr-3908	241	25	(	(	PUNCT
fsr-3908	241	26	1.768	1.768	NUM
fsr-3908	241	27	)	)	PUNCT
fsr-3908	241	28	increp	increp	NOUN
fsr-3908	241	29	—	—	PUNCT
fsr-3908	241	30	—	—	PUNCT
fsr-3908	241	31	—	—	PUNCT
fsr-3908	241	32	.0009	.0009	NOUN
fsr-3908	241	33	(	(	PUNCT
fsr-3908	241	34	0.669	0.669	NUM
fsr-3908	241	35	)	)	PUNCT
fsr-3908	241	36	chi	chi	NOUN
fsr-3908	241	37	-	-	PUNCT
fsr-3908	241	38	squared	square	VERB
fsr-3908	241	39	statistic	statistic	NOUN
fsr-3908	241	40	112.5	112.5	NUM
fsr-3908	241	41	87.4	87.4	NUM
fsr-3908	241	42	107.1	107.1	NUM
fsr-3908	241	43	107.7	107.7	NUM
fsr-3908	241	44	note	note	NOUN
fsr-3908	241	45	:	:	PUNCT
fsr-3908	241	46	asymptotic	asymptotic	ADJ
fsr-3908	241	47	t	t	NOUN
fsr-3908	241	48	-	-	PUNCT
fsr-3908	241	49	statistic	statistic	NOUN
fsr-3908	241	50	in	in	ADP
fsr-3908	241	51	parentheses	parenthesis	NOUN
fsr-3908	241	52	.	.	PUNCT
fsr-3908	242	1	43h.w	43h.w	NUM
fsr-3908	242	2	.	.	PUNCT
fsr-3908	243	1	elder	elder	NOUN
fsr-3908	243	2	,	,	PUNCT
fsr-3908	243	3	p.m.	p.m.	NOUN
fsr-3908	243	4	rudolph	rudolph	PROPN
fsr-3908	243	5	/	/	SYM
fsr-3908	243	6	financial	financial	ADJ
fsr-3908	243	7	services	service	NOUN
fsr-3908	243	8	review	review	VERB
fsr-3908	243	9	9	9	NUM
fsr-3908	243	10	(	(	PUNCT
fsr-3908	243	11	2000	2000	NUM
fsr-3908	243	12	)	)	PUNCT
fsr-3908	243	13	33–45	33–45	NUM
fsr-3908	243	14	it	it	PRON
fsr-3908	243	15	does	do	AUX
fsr-3908	243	16	appear	appear	VERB
fsr-3908	243	17	that	that	SCONJ
fsr-3908	243	18	(	(	PUNCT
fsr-3908	243	19	echoing	echo	VERB
fsr-3908	243	20	the	the	DET
fsr-3908	243	21	results	result	NOUN
fsr-3908	243	22	from	from	ADP
fsr-3908	243	23	the	the	DET
fsr-3908	243	24	expected	expect	VERB
fsr-3908	243	25	retirement	retirement	NOUN
fsr-3908	243	26	savings	saving	NOUN
fsr-3908	243	27	level	level	NOUN
fsr-3908	243	28	)	)	PUNCT
fsr-3908	243	29	male	male	ADJ
fsr-3908	243	30	respondents	respondent	NOUN
fsr-3908	243	31	are	be	AUX
fsr-3908	243	32	more	more	ADV
fsr-3908	243	33	optimistic	optimistic	ADJ
fsr-3908	243	34	about	about	ADP
fsr-3908	243	35	their	their	PRON
fsr-3908	243	36	living	living	NOUN
fsr-3908	243	37	standard	standard	NOUN
fsr-3908	243	38	than	than	SCONJ
fsr-3908	243	39	are	be	AUX
fsr-3908	243	40	females	female	NOUN
fsr-3908	243	41	.	.	PUNCT
fsr-3908	244	1	in	in	ADP
fsr-3908	244	2	contrast	contrast	NOUN
fsr-3908	244	3	to	to	ADP
fsr-3908	244	4	the	the	DET
fsr-3908	244	5	results	result	NOUN
fsr-3908	244	6	for	for	ADP
fsr-3908	244	7	the	the	DET
fsr-3908	244	8	savings	saving	NOUN
fsr-3908	244	9	estimates	estimate	NOUN
fsr-3908	244	10	in	in	ADP
fsr-3908	244	11	table	table	NOUN
fsr-3908	244	12	2	2	NUM
fsr-3908	244	13	,	,	PUNCT
fsr-3908	244	14	marital	marital	ADJ
fsr-3908	244	15	status	status	NOUN
fsr-3908	244	16	is	be	AUX
fsr-3908	244	17	unrelated	unrelated	ADJ
fsr-3908	244	18	to	to	AUX
fsr-3908	244	19	expected	expect	VERB
fsr-3908	244	20	changes	change	NOUN
fsr-3908	244	21	in	in	ADP
fsr-3908	244	22	living	living	NOUN
fsr-3908	244	23	standard	standard	NOUN
fsr-3908	244	24	.	.	PUNCT
fsr-3908	245	1	individuals	individual	NOUN
fsr-3908	245	2	who	who	PRON
fsr-3908	245	3	are	be	AUX
fsr-3908	245	4	self	self	NOUN
fsr-3908	245	5	-	-	PUNCT
fsr-3908	245	6	employed	employ	VERB
fsr-3908	245	7	have	have	VERB
fsr-3908	245	8	expectations	expectation	NOUN
fsr-3908	245	9	of	of	ADP
fsr-3908	245	10	an	an	DET
fsr-3908	245	11	improved	improved	ADJ
fsr-3908	245	12	living	living	NOUN
fsr-3908	245	13	standard	standard	NOUN
fsr-3908	245	14	.	.	PUNCT
fsr-3908	246	1	both	both	PRON
fsr-3908	246	2	the	the	DET
fsr-3908	246	3	total	total	ADJ
fsr-3908	246	4	number	number	NOUN
fsr-3908	246	5	of	of	ADP
fsr-3908	246	6	children	child	NOUN
fsr-3908	246	7	and	and	CCONJ
fsr-3908	246	8	the	the	DET
fsr-3908	246	9	number	number	NOUN
fsr-3908	246	10	of	of	ADP
fsr-3908	246	11	children	child	NOUN
fsr-3908	246	12	at	at	ADP
fsr-3908	246	13	home	home	NOUN
fsr-3908	246	14	are	be	AUX
fsr-3908	246	15	insignificant	insignificant	ADJ
fsr-3908	246	16	.	.	PUNCT
fsr-3908	247	1	finally	finally	ADV
fsr-3908	247	2	,	,	PUNCT
fsr-3908	247	3	those	those	DET
fsr-3908	247	4	individuals	individual	NOUN
fsr-3908	247	5	who	who	PRON
fsr-3908	247	6	consider	consider	VERB
fsr-3908	247	7	themselves	themselves	PRON
fsr-3908	247	8	to	to	PART
fsr-3908	247	9	be	be	AUX
fsr-3908	247	10	currently	currently	ADV
fsr-3908	247	11	in	in	ADP
fsr-3908	247	12	good	good	ADJ
fsr-3908	247	13	health	health	NOUN
fsr-3908	247	14	view	view	NOUN
fsr-3908	247	15	their	their	PRON
fsr-3908	247	16	future	future	ADJ
fsr-3908	247	17	living	living	NOUN
fsr-3908	247	18	standard	standard	NOUN
fsr-3908	247	19	positively	positively	ADV
fsr-3908	247	20	.	.	PUNCT
fsr-3908	248	1	it	it	PRON
fsr-3908	248	2	is	be	AUX
fsr-3908	248	3	possible	possible	ADJ
fsr-3908	248	4	that	that	SCONJ
fsr-3908	248	5	individuals	individual	NOUN
fsr-3908	248	6	whose	whose	DET
fsr-3908	248	7	current	current	ADJ
fsr-3908	248	8	health	health	NOUN
fsr-3908	248	9	is	be	AUX
fsr-3908	248	10	good	good	ADJ
fsr-3908	248	11	(	(	PUNCT
fsr-3908	248	12	which	which	PRON
fsr-3908	248	13	is	be	AUX
fsr-3908	248	14	correlated	correlate	VERB
fsr-3908	248	15	with	with	ADP
fsr-3908	248	16	future	future	ADJ
fsr-3908	248	17	health	health	NOUN
fsr-3908	248	18	)	)	PUNCT
fsr-3908	248	19	do	do	AUX
fsr-3908	248	20	not	not	PART
fsr-3908	248	21	anticipate	anticipate	VERB
fsr-3908	248	22	significant	significant	ADJ
fsr-3908	248	23	outlays	outlay	NOUN
fsr-3908	248	24	for	for	ADP
fsr-3908	248	25	health	health	NOUN
fsr-3908	248	26	care	care	NOUN
fsr-3908	248	27	costs	cost	NOUN
fsr-3908	248	28	that	that	PRON
fsr-3908	248	29	could	could	AUX
fsr-3908	248	30	impair	impair	VERB
fsr-3908	248	31	their	their	PRON
fsr-3908	248	32	ability	ability	NOUN
fsr-3908	248	33	to	to	PART
fsr-3908	248	34	consume	consume	VERB
fsr-3908	248	35	otherwise	otherwise	ADV
fsr-3908	248	36	.	.	PUNCT
fsr-3908	249	1	turning	turn	VERB
fsr-3908	249	2	to	to	ADP
fsr-3908	249	3	the	the	DET
fsr-3908	249	4	variables	variable	NOUN
fsr-3908	249	5	related	relate	VERB
fsr-3908	249	6	to	to	ADP
fsr-3908	249	7	financial	financial	ADJ
fsr-3908	249	8	status	status	NOUN
fsr-3908	249	9	as	as	SCONJ
fsr-3908	249	10	it	it	PRON
fsr-3908	249	11	relates	relate	VERB
fsr-3908	249	12	to	to	ADP
fsr-3908	249	13	retirement	retirement	NOUN
fsr-3908	249	14	,	,	PUNCT
fsr-3908	249	15	these	these	DET
fsr-3908	249	16	variables	variable	NOUN
fsr-3908	249	17	produce	produce	VERB
fsr-3908	249	18	an	an	DET
fsr-3908	249	19	interesting	interesting	ADJ
fsr-3908	249	20	set	set	NOUN
fsr-3908	249	21	of	of	ADP
fsr-3908	249	22	results	result	NOUN
fsr-3908	249	23	.	.	PUNCT
fsr-3908	250	1	the	the	DET
fsr-3908	250	2	accumulation	accumulation	NOUN
fsr-3908	250	3	of	of	ADP
fsr-3908	250	4	assets	asset	NOUN
fsr-3908	250	5	is	be	AUX
fsr-3908	250	6	,	,	PUNCT
fsr-3908	250	7	in	in	ADP
fsr-3908	250	8	general	general	ADJ
fsr-3908	250	9	,	,	PUNCT
fsr-3908	250	10	positively	positively	ADV
fsr-3908	250	11	related	relate	VERB
fsr-3908	250	12	to	to	ADP
fsr-3908	250	13	the	the	DET
fsr-3908	250	14	expected	expect	VERB
fsr-3908	250	15	standard	standard	NOUN
fsr-3908	250	16	of	of	ADP
fsr-3908	250	17	living	living	NOUN
fsr-3908	250	18	.	.	PUNCT
fsr-3908	251	1	those	those	PRON
fsr-3908	251	2	who	who	PRON
fsr-3908	251	3	have	have	VERB
fsr-3908	251	4	larger	large	ADJ
fsr-3908	251	5	accumulations	accumulation	NOUN
fsr-3908	251	6	of	of	ADP
fsr-3908	251	7	ira	ira	PROPN
fsr-3908	251	8	assets	asset	NOUN
fsr-3908	251	9	or	or	CCONJ
fsr-3908	251	10	other	other	ADJ
fsr-3908	251	11	financial	financial	ADJ
fsr-3908	251	12	assets	asset	NOUN
fsr-3908	251	13	(	(	PUNCT
fsr-3908	251	14	savefin	savefin	NOUN
fsr-3908	251	15	)	)	PUNCT
fsr-3908	251	16	anticipate	anticipate	VERB
fsr-3908	251	17	an	an	DET
fsr-3908	251	18	improved	improved	ADJ
fsr-3908	251	19	standard	standard	NOUN
fsr-3908	251	20	of	of	ADP
fsr-3908	251	21	living	living	NOUN
fsr-3908	251	22	.	.	PUNCT
fsr-3908	252	1	the	the	DET
fsr-3908	252	2	relative	relative	ADJ
fsr-3908	252	3	measure	measure	NOUN
fsr-3908	252	4	of	of	ADP
fsr-3908	252	5	wealth	wealth	NOUN
fsr-3908	252	6	to	to	ADP
fsr-3908	252	7	income	income	NOUN
fsr-3908	252	8	(	(	PUNCT
fsr-3908	252	9	wlthinc	wlthinc	NOUN
fsr-3908	252	10	)	)	PUNCT
fsr-3908	252	11	is	be	AUX
fsr-3908	252	12	also	also	ADV
fsr-3908	252	13	positively	positively	ADV
fsr-3908	252	14	associated	associate	VERB
fsr-3908	252	15	with	with	ADP
fsr-3908	252	16	the	the	DET
fsr-3908	252	17	expected	expect	VERB
fsr-3908	252	18	living	living	NOUN
fsr-3908	252	19	standard	standard	NOUN
fsr-3908	252	20	.	.	PUNCT
fsr-3908	253	1	the	the	DET
fsr-3908	253	2	ratio	ratio	NOUN
fsr-3908	253	3	of	of	ADP
fsr-3908	253	4	actual	actual	ADJ
fsr-3908	253	5	accumulated	accumulate	VERB
fsr-3908	253	6	savings	saving	NOUN
fsr-3908	253	7	to	to	ADP
fsr-3908	253	8	the	the	DET
fsr-3908	253	9	expected	expect	VERB
fsr-3908	253	10	accumulation	accumulation	NOUN
fsr-3908	253	11	of	of	ADP
fsr-3908	253	12	savings	saving	NOUN
fsr-3908	253	13	at	at	ADP
fsr-3908	253	14	retirement	retirement	NOUN
fsr-3908	253	15	,	,	PUNCT
fsr-3908	253	16	increp	increp	PROPN
fsr-3908	253	17	,	,	PUNCT
fsr-3908	253	18	is	be	AUX
fsr-3908	253	19	not	not	PART
fsr-3908	253	20	statistically	statistically	ADV
fsr-3908	253	21	significant	significant	ADJ
fsr-3908	253	22	.	.	PUNCT
fsr-3908	254	1	the	the	PRON
fsr-3908	254	2	more	more	ADV
fsr-3908	254	3	the	the	DET
fsr-3908	254	4	household	household	NOUN
fsr-3908	254	5	has	have	AUX
fsr-3908	254	6	saved	save	VERB
fsr-3908	254	7	,	,	PUNCT
fsr-3908	254	8	the	the	PRON
fsr-3908	254	9	more	more	ADV
fsr-3908	254	10	likely	likely	ADJ
fsr-3908	254	11	it	it	PRON
fsr-3908	254	12	is	be	AUX
fsr-3908	254	13	to	to	PART
fsr-3908	254	14	believe	believe	VERB
fsr-3908	254	15	that	that	SCONJ
fsr-3908	254	16	it	it	PRON
fsr-3908	254	17	will	will	AUX
fsr-3908	254	18	maintain	maintain	VERB
fsr-3908	254	19	its	its	PRON
fsr-3908	254	20	living	living	NOUN
fsr-3908	254	21	standard	standard	NOUN
fsr-3908	254	22	.	.	PUNCT
fsr-3908	255	1	on	on	ADP
fsr-3908	255	2	the	the	DET
fsr-3908	255	3	other	other	ADJ
fsr-3908	255	4	hand	hand	NOUN
fsr-3908	255	5	,	,	PUNCT
fsr-3908	255	6	what	what	PRON
fsr-3908	255	7	they	they	PRON
fsr-3908	255	8	have	have	AUX
fsr-3908	255	9	saved	save	VERB
fsr-3908	255	10	relative	relative	ADJ
fsr-3908	255	11	to	to	ADP
fsr-3908	255	12	what	what	PRON
fsr-3908	255	13	they	they	PRON
fsr-3908	255	14	expect	expect	VERB
fsr-3908	255	15	to	to	PART
fsr-3908	255	16	save	save	VERB
fsr-3908	255	17	may	may	AUX
fsr-3908	255	18	not	not	PART
fsr-3908	255	19	convey	convey	VERB
fsr-3908	255	20	as	as	ADV
fsr-3908	255	21	much	much	ADJ
fsr-3908	255	22	information	information	NOUN
fsr-3908	255	23	as	as	ADP
fsr-3908	255	24	to	to	ADP
fsr-3908	255	25	the	the	DET
fsr-3908	255	26	direction	direction	NOUN
fsr-3908	255	27	of	of	ADP
fsr-3908	255	28	their	their	PRON
fsr-3908	255	29	standard	standard	NOUN
fsr-3908	255	30	of	of	ADP
fsr-3908	255	31	living	living	NOUN
fsr-3908	255	32	.	.	PUNCT
fsr-3908	256	1	the	the	DET
fsr-3908	256	2	pension	pension	NOUN
fsr-3908	256	3	plan	plan	NOUN
fsr-3908	256	4	participation	participation	NOUN
fsr-3908	256	5	variable	variable	NOUN
fsr-3908	256	6	is	be	AUX
fsr-3908	256	7	insignificant	insignificant	ADJ
fsr-3908	256	8	in	in	ADP
fsr-3908	256	9	all	all	PRON
fsr-3908	256	10	of	of	ADP
fsr-3908	256	11	the	the	DET
fsr-3908	256	12	equations	equation	NOUN
fsr-3908	256	13	.	.	PUNCT
fsr-3908	257	1	participation	participation	NOUN
fsr-3908	257	2	in	in	ADP
fsr-3908	257	3	a	a	DET
fsr-3908	257	4	pension	pension	NOUN
fsr-3908	257	5	plan	plan	NOUN
fsr-3908	257	6	is	be	AUX
fsr-3908	257	7	not	not	PART
fsr-3908	257	8	statistically	statistically	ADV
fsr-3908	257	9	related	relate	VERB
fsr-3908	257	10	to	to	ADP
fsr-3908	257	11	anticipated	anticipate	VERB
fsr-3908	257	12	changes	change	NOUN
fsr-3908	257	13	in	in	ADP
fsr-3908	257	14	standard	standard	NOUN
fsr-3908	257	15	of	of	ADP
fsr-3908	257	16	living	living	NOUN
fsr-3908	257	17	.	.	PUNCT
fsr-3908	258	1	the	the	DET
fsr-3908	258	2	lack	lack	NOUN
fsr-3908	258	3	of	of	ADP
fsr-3908	258	4	significance	significance	NOUN
fsr-3908	258	5	of	of	ADP
fsr-3908	258	6	this	this	DET
fsr-3908	258	7	variable	variable	NOUN
fsr-3908	258	8	is	be	AUX
fsr-3908	258	9	intriguing	intriguing	ADJ
fsr-3908	258	10	.	.	PUNCT
fsr-3908	259	1	apparently	apparently	ADV
fsr-3908	259	2	,	,	PUNCT
fsr-3908	259	3	people	people	NOUN
fsr-3908	259	4	believe	believe	VERB
fsr-3908	259	5	that	that	SCONJ
fsr-3908	259	6	their	their	PRON
fsr-3908	259	7	accumulated	accumulate	VERB
fsr-3908	259	8	savings	saving	NOUN
fsr-3908	259	9	will	will	AUX
fsr-3908	259	10	affect	affect	VERB
fsr-3908	259	11	their	their	PRON
fsr-3908	259	12	retirement	retirement	NOUN
fsr-3908	259	13	standard	standard	NOUN
fsr-3908	259	14	of	of	ADP
fsr-3908	259	15	living	living	NOUN
fsr-3908	259	16	but	but	CCONJ
fsr-3908	259	17	not	not	PART
fsr-3908	259	18	pension	pension	NOUN
fsr-3908	259	19	fund	fund	NOUN
fsr-3908	259	20	participation	participation	NOUN
fsr-3908	259	21	.	.	PUNCT
fsr-3908	260	1	this	this	DET
fsr-3908	260	2	discrepancy	discrepancy	NOUN
fsr-3908	260	3	may	may	AUX
fsr-3908	260	4	be	be	AUX
fsr-3908	260	5	related	relate	VERB
fsr-3908	260	6	to	to	ADP
fsr-3908	260	7	the	the	DET
fsr-3908	260	8	tendency	tendency	NOUN
fsr-3908	260	9	seen	see	VERB
fsr-3908	260	10	in	in	ADP
fsr-3908	260	11	the	the	DET
fsr-3908	260	12	first	first	ADJ
fsr-3908	260	13	section	section	NOUN
fsr-3908	260	14	of	of	ADP
fsr-3908	260	15	our	our	PRON
fsr-3908	260	16	analysis	analysis	NOUN
fsr-3908	260	17	for	for	SCONJ
fsr-3908	260	18	individuals	individual	NOUN
fsr-3908	260	19	to	to	PART
fsr-3908	260	20	substitute	substitute	VERB
fsr-3908	260	21	saving	saving	NOUN
fsr-3908	260	22	for	for	ADP
fsr-3908	260	23	retirement	retirement	NOUN
fsr-3908	260	24	participation	participation	NOUN
fsr-3908	260	25	.	.	PUNCT
fsr-3908	261	1	one	one	NUM
fsr-3908	261	2	interpretation	interpretation	NOUN
fsr-3908	261	3	of	of	ADP
fsr-3908	261	4	this	this	DET
fsr-3908	261	5	result	result	NOUN
fsr-3908	261	6	is	be	AUX
fsr-3908	261	7	that	that	SCONJ
fsr-3908	261	8	individuals	individual	NOUN
fsr-3908	261	9	who	who	PRON
fsr-3908	261	10	do	do	AUX
fsr-3908	261	11	not	not	PART
fsr-3908	261	12	participate	participate	VERB
fsr-3908	261	13	in	in	ADP
fsr-3908	261	14	pensions	pension	NOUN
fsr-3908	261	15	may	may	AUX
fsr-3908	261	16	have	have	AUX
fsr-3908	261	17	made	make	VERB
fsr-3908	261	18	sufficient	sufficient	ADJ
fsr-3908	261	19	other	other	ADJ
fsr-3908	261	20	arrangements	arrangement	NOUN
fsr-3908	261	21	so	so	SCONJ
fsr-3908	261	22	that	that	SCONJ
fsr-3908	261	23	their	their	PRON
fsr-3908	261	24	expectations	expectation	NOUN
fsr-3908	261	25	about	about	ADP
fsr-3908	261	26	their	their	PRON
fsr-3908	261	27	future	future	ADJ
fsr-3908	261	28	living	living	NOUN
fsr-3908	261	29	standard	standard	NOUN
fsr-3908	261	30	do	do	AUX
fsr-3908	261	31	not	not	PART
fsr-3908	261	32	differ	differ	VERB
fsr-3908	261	33	from	from	ADP
fsr-3908	261	34	those	those	PRON
fsr-3908	261	35	who	who	PRON
fsr-3908	261	36	participate	participate	VERB
fsr-3908	261	37	in	in	ADP
fsr-3908	261	38	pension	pension	NOUN
fsr-3908	261	39	plans	plan	NOUN
fsr-3908	261	40	.	.	PUNCT
fsr-3908	262	1	other	other	ADJ
fsr-3908	262	2	potential	potential	ADJ
fsr-3908	262	3	explanations	explanation	NOUN
fsr-3908	262	4	of	of	ADP
fsr-3908	262	5	the	the	DET
fsr-3908	262	6	insignificance	insignificance	NOUN
fsr-3908	262	7	of	of	ADP
fsr-3908	262	8	the	the	DET
fsr-3908	262	9	pension	pension	NOUN
fsr-3908	262	10	plan	plan	NOUN
fsr-3908	262	11	participation	participation	NOUN
fsr-3908	262	12	variable	variable	NOUN
fsr-3908	262	13	could	could	AUX
fsr-3908	262	14	be	be	AUX
fsr-3908	262	15	that	that	SCONJ
fsr-3908	262	16	they	they	PRON
fsr-3908	262	17	are	be	AUX
fsr-3908	262	18	not	not	PART
fsr-3908	262	19	certain	certain	ADJ
fsr-3908	262	20	what	what	DET
fsr-3908	262	21	benefits	benefit	NOUN
fsr-3908	262	22	they	they	PRON
fsr-3908	262	23	will	will	AUX
fsr-3908	262	24	actually	actually	ADV
fsr-3908	262	25	receive	receive	VERB
fsr-3908	262	26	.	.	PUNCT
fsr-3908	263	1	this	this	PRON
fsr-3908	263	2	could	could	AUX
fsr-3908	263	3	be	be	AUX
fsr-3908	263	4	a	a	DET
fsr-3908	263	5	lack	lack	NOUN
fsr-3908	263	6	of	of	ADP
fsr-3908	263	7	understanding	understanding	NOUN
fsr-3908	263	8	of	of	ADP
fsr-3908	263	9	their	their	PRON
fsr-3908	263	10	pension	pension	NOUN
fsr-3908	263	11	plan	plan	NOUN
fsr-3908	263	12	or	or	CCONJ
fsr-3908	263	13	a	a	DET
fsr-3908	263	14	lack	lack	NOUN
fsr-3908	263	15	of	of	ADP
fsr-3908	263	16	confidence	confidence	NOUN
fsr-3908	263	17	that	that	SCONJ
fsr-3908	263	18	they	they	PRON
fsr-3908	263	19	will	will	AUX
fsr-3908	263	20	receive	receive	VERB
fsr-3908	263	21	the	the	DET
fsr-3908	263	22	promised	promise	VERB
fsr-3908	263	23	benefits	benefit	NOUN
fsr-3908	263	24	.	.	PUNCT
fsr-3908	264	1	savings	saving	NOUN
fsr-3908	264	2	may	may	AUX
fsr-3908	264	3	be	be	AUX
fsr-3908	264	4	given	give	VERB
fsr-3908	264	5	greater	great	ADJ
fsr-3908	264	6	weight	weight	NOUN
fsr-3908	264	7	because	because	SCONJ
fsr-3908	264	8	saving	saving	NOUN
fsr-3908	264	9	is	be	AUX
fsr-3908	264	10	controlled	control	VERB
fsr-3908	264	11	directly	directly	ADV
fsr-3908	264	12	by	by	ADP
fsr-3908	264	13	the	the	DET
fsr-3908	264	14	respondent	respondent	NOUN
fsr-3908	264	15	.	.	PUNCT
fsr-3908	265	1	alternatively	alternatively	ADV
fsr-3908	265	2	,	,	PUNCT
fsr-3908	265	3	it	it	PRON
fsr-3908	265	4	may	may	AUX
fsr-3908	265	5	be	be	AUX
fsr-3908	265	6	that	that	SCONJ
fsr-3908	265	7	the	the	DET
fsr-3908	265	8	measure	measure	NOUN
fsr-3908	265	9	of	of	ADP
fsr-3908	265	10	pension	pension	NOUN
fsr-3908	265	11	benefits	benefit	NOUN
fsr-3908	265	12	is	be	AUX
fsr-3908	265	13	inadequate	inadequate	ADJ
fsr-3908	265	14	.	.	PUNCT
fsr-3908	266	1	future	future	ADJ
fsr-3908	266	2	research	research	NOUN
fsr-3908	266	3	should	should	AUX
fsr-3908	266	4	involve	involve	VERB
fsr-3908	266	5	a	a	DET
fsr-3908	266	6	dollar	dollar	NOUN
fsr-3908	266	7	estimate	estimate	NOUN
fsr-3908	266	8	of	of	ADP
fsr-3908	266	9	the	the	DET
fsr-3908	266	10	expected	expect	VERB
fsr-3908	266	11	pension	pension	NOUN
fsr-3908	266	12	benefits	benefit	NOUN
fsr-3908	266	13	rather	rather	ADV
fsr-3908	266	14	than	than	ADP
fsr-3908	266	15	a	a	DET
fsr-3908	266	16	dummy	dummy	ADJ
fsr-3908	266	17	variable	variable	NOUN
fsr-3908	266	18	for	for	ADP
fsr-3908	266	19	participation	participation	NOUN
fsr-3908	266	20	.	.	PUNCT
fsr-3908	267	1	6	6	X
fsr-3908	267	2	.	.	X
fsr-3908	267	3	summary	summary	NOUN
fsr-3908	267	4	and	and	CCONJ
fsr-3908	267	5	conclusion	conclusion	NOUN
fsr-3908	267	6	to	to	PART
fsr-3908	267	7	understand	understand	VERB
fsr-3908	267	8	the	the	DET
fsr-3908	267	9	discrepancy	discrepancy	NOUN
fsr-3908	267	10	between	between	ADP
fsr-3908	267	11	the	the	DET
fsr-3908	267	12	expectations	expectation	NOUN
fsr-3908	267	13	of	of	ADP
fsr-3908	267	14	economic	economic	ADJ
fsr-3908	267	15	well	well	NOUN
fsr-3908	267	16	being	be	AUX
fsr-3908	267	17	in	in	ADP
fsr-3908	267	18	retirement	retirement	NOUN
fsr-3908	267	19	and	and	CCONJ
fsr-3908	267	20	the	the	DET
fsr-3908	267	21	savings	saving	NOUN
fsr-3908	267	22	behavior	behavior	NOUN
fsr-3908	267	23	of	of	ADP
fsr-3908	267	24	americans	americans	PROPN
fsr-3908	267	25	,	,	PUNCT
fsr-3908	267	26	we	we	PRON
fsr-3908	267	27	examined	examine	VERB
fsr-3908	267	28	at	at	ADP
fsr-3908	267	29	two	two	NUM
fsr-3908	267	30	questions	question	NOUN
fsr-3908	267	31	.	.	PUNCT
fsr-3908	268	1	first	first	ADV
fsr-3908	268	2	,	,	PUNCT
fsr-3908	268	3	do	do	AUX
fsr-3908	268	4	individuals	individual	NOUN
fsr-3908	268	5	view	view	VERB
fsr-3908	268	6	expected	expect	VERB
fsr-3908	268	7	pension	pension	NOUN
fsr-3908	268	8	benefits	benefit	NOUN
fsr-3908	268	9	as	as	ADP
fsr-3908	268	10	a	a	DET
fsr-3908	268	11	substitute	substitute	NOUN
fsr-3908	268	12	for	for	ADP
fsr-3908	268	13	accumulated	accumulate	VERB
fsr-3908	268	14	savings	saving	NOUN
fsr-3908	268	15	in	in	ADP
fsr-3908	268	16	the	the	DET
fsr-3908	268	17	process	process	NOUN
fsr-3908	268	18	of	of	ADP
fsr-3908	268	19	replacing	replace	VERB
fsr-3908	268	20	preretirement	preretirement	ADJ
fsr-3908	268	21	income	income	NOUN
fsr-3908	268	22	?	?	PUNCT
fsr-3908	269	1	our	our	PRON
fsr-3908	269	2	results	result	NOUN
fsr-3908	269	3	are	be	AUX
fsr-3908	269	4	consistent	consistent	ADJ
fsr-3908	269	5	with	with	ADP
fsr-3908	269	6	the	the	DET
fsr-3908	269	7	idea	idea	NOUN
fsr-3908	269	8	that	that	SCONJ
fsr-3908	269	9	pension	pension	NOUN
fsr-3908	269	10	benefits	benefit	NOUN
fsr-3908	269	11	are	be	AUX
fsr-3908	269	12	seen	see	VERB
fsr-3908	269	13	as	as	ADP
fsr-3908	269	14	substitutes	substitute	NOUN
fsr-3908	269	15	for	for	ADP
fsr-3908	269	16	saving	save	VERB
fsr-3908	269	17	.	.	PUNCT
fsr-3908	270	1	second	second	ADJ
fsr-3908	270	2	,	,	PUNCT
fsr-3908	270	3	are	be	AUX
fsr-3908	270	4	individuals	individual	NOUN
fsr-3908	270	5	’	'	PUNCT
fsr-3908	270	6	expectations	expectation	NOUN
fsr-3908	270	7	concerning	concern	VERB
fsr-3908	270	8	the	the	DET
fsr-3908	270	9	standard	standard	NOUN
fsr-3908	270	10	of	of	ADP
fsr-3908	270	11	living	living	NOUN
fsr-3908	270	12	they	they	PRON
fsr-3908	270	13	will	will	AUX
fsr-3908	270	14	enjoy	enjoy	VERB
fsr-3908	270	15	in	in	ADP
fsr-3908	270	16	retirement	retirement	NOUN
fsr-3908	270	17	realistic	realistic	ADJ
fsr-3908	270	18	based	base	VERB
fsr-3908	270	19	on	on	ADP
fsr-3908	270	20	their	their	PRON
fsr-3908	270	21	44	44	NUM
fsr-3908	270	22	h.w	h.w	PROPN
fsr-3908	270	23	.	.	PROPN
fsr-3908	270	24	elder	elder	PROPN
fsr-3908	270	25	,	,	PUNCT
fsr-3908	270	26	p.m.	p.m.	NOUN
fsr-3908	270	27	rudolph	rudolph	PROPN
fsr-3908	270	28	/	/	SYM
fsr-3908	270	29	financial	financial	ADJ
fsr-3908	270	30	services	service	NOUN
fsr-3908	270	31	review	review	VERB
fsr-3908	270	32	9	9	NUM
fsr-3908	270	33	(	(	PUNCT
fsr-3908	270	34	2000	2000	NUM
fsr-3908	270	35	)	)	PUNCT
fsr-3908	270	36	33–45	33–45	NUM
fsr-3908	270	37	accumulated	accumulate	VERB
fsr-3908	270	38	savings	saving	NOUN
fsr-3908	270	39	and	and	CCONJ
fsr-3908	270	40	pension	pension	NOUN
fsr-3908	270	41	plan	plan	NOUN
fsr-3908	270	42	participation	participation	NOUN
fsr-3908	270	43	?	?	PUNCT
fsr-3908	271	1	our	our	PRON
fsr-3908	271	2	results	result	NOUN
fsr-3908	271	3	indicate	indicate	VERB
fsr-3908	271	4	that	that	SCONJ
fsr-3908	271	5	accumulated	accumulate	VERB
fsr-3908	271	6	savings	saving	NOUN
fsr-3908	271	7	have	have	VERB
fsr-3908	271	8	a	a	DET
fsr-3908	271	9	significant	significant	ADJ
fsr-3908	271	10	impact	impact	NOUN
fsr-3908	271	11	on	on	ADP
fsr-3908	271	12	the	the	DET
fsr-3908	271	13	expected	expect	VERB
fsr-3908	271	14	standard	standard	NOUN
fsr-3908	271	15	of	of	ADP
fsr-3908	271	16	living	living	NOUN
fsr-3908	271	17	but	but	CCONJ
fsr-3908	271	18	pension	pension	NOUN
fsr-3908	271	19	plan	plan	NOUN
fsr-3908	271	20	participation	participation	NOUN
fsr-3908	271	21	does	do	VERB
fsr-3908	271	22	not	not	PART
fsr-3908	271	23	.	.	PUNCT
fsr-3908	272	1	the	the	DET
fsr-3908	272	2	insignificance	insignificance	NOUN
fsr-3908	272	3	of	of	ADP
fsr-3908	272	4	the	the	DET
fsr-3908	272	5	pension	pension	NOUN
fsr-3908	272	6	plan	plan	NOUN
fsr-3908	272	7	participation	participation	NOUN
fsr-3908	272	8	variable	variable	NOUN
fsr-3908	272	9	is	be	AUX
fsr-3908	272	10	intriguing	intriguing	ADJ
fsr-3908	272	11	.	.	PUNCT
fsr-3908	273	1	as	as	SCONJ
fsr-3908	273	2	is	be	AUX
fsr-3908	273	3	often	often	ADV
fsr-3908	273	4	the	the	DET
fsr-3908	273	5	situation	situation	NOUN
fsr-3908	273	6	,	,	PUNCT
fsr-3908	273	7	a	a	DET
fsr-3908	273	8	variety	variety	NOUN
fsr-3908	273	9	of	of	ADP
fsr-3908	273	10	explanations	explanation	NOUN
fsr-3908	273	11	for	for	ADP
fsr-3908	273	12	the	the	DET
fsr-3908	273	13	lack	lack	NOUN
fsr-3908	273	14	of	of	ADP
fsr-3908	273	15	significance	significance	NOUN
fsr-3908	273	16	are	be	AUX
fsr-3908	273	17	possible	possible	ADJ
fsr-3908	273	18	,	,	PUNCT
fsr-3908	273	19	but	but	CCONJ
fsr-3908	273	20	none	none	NOUN
fsr-3908	273	21	is	be	AUX
fsr-3908	273	22	satisfying	satisfying	ADJ
fsr-3908	273	23	.	.	PUNCT
fsr-3908	274	1	future	future	ADJ
fsr-3908	274	2	research	research	NOUN
fsr-3908	274	3	that	that	PRON
fsr-3908	274	4	focuses	focus	VERB
fsr-3908	274	5	on	on	ADP
fsr-3908	274	6	how	how	SCONJ
fsr-3908	274	7	well	well	ADV
fsr-3908	274	8	individuals	individual	NOUN
fsr-3908	274	9	understand	understand	VERB
fsr-3908	274	10	their	their	PRON
fsr-3908	274	11	retirement	retirement	NOUN
fsr-3908	274	12	plans	plan	NOUN
fsr-3908	274	13	and	and	CCONJ
fsr-3908	274	14	how	how	SCONJ
fsr-3908	274	15	realistically	realistically	ADV
fsr-3908	274	16	they	they	PRON
fsr-3908	274	17	anticipate	anticipate	VERB
fsr-3908	274	18	the	the	DET
fsr-3908	274	19	benefits	benefit	NOUN
fsr-3908	274	20	they	they	PRON
fsr-3908	274	21	will	will	AUX
fsr-3908	274	22	receive	receive	VERB
fsr-3908	274	23	may	may	AUX
fsr-3908	274	24	explain	explain	VERB
fsr-3908	274	25	why	why	SCONJ
fsr-3908	274	26	pension	pension	NOUN
fsr-3908	274	27	plan	plan	NOUN
fsr-3908	274	28	participation	participation	NOUN
fsr-3908	274	29	does	do	AUX
fsr-3908	274	30	not	not	PART
fsr-3908	274	31	affect	affect	VERB
fsr-3908	274	32	the	the	DET
fsr-3908	274	33	expected	expect	VERB
fsr-3908	274	34	standard	standard	NOUN
fsr-3908	274	35	of	of	ADP
fsr-3908	274	36	living	living	NOUN
fsr-3908	274	37	.	.	PUNCT
fsr-3908	275	1	references	reference	NOUN
fsr-3908	275	2	banks	bank	NOUN
fsr-3908	275	3	,	,	PUNCT
fsr-3908	275	4	j.	j.	PROPN
fsr-3908	275	5	,	,	PUNCT
fsr-3908	275	6	blundell	blundell	PROPN
fsr-3908	275	7	,	,	PUNCT
fsr-3908	275	8	r.	r.	PROPN
fsr-3908	275	9	,	,	PUNCT
fsr-3908	275	10	&	&	CCONJ
fsr-3908	275	11	tanner	tanner	PROPN
fsr-3908	275	12	,	,	PUNCT
fsr-3908	275	13	s.	s.	PROPN
fsr-3908	275	14	(	(	PUNCT
fsr-3908	275	15	1998	1998	NUM
fsr-3908	275	16	)	)	PUNCT
fsr-3908	275	17	.	.	PUNCT
fsr-3908	275	18	is	be	AUX
fsr-3908	275	19	there	there	PRON
fsr-3908	275	20	a	a	DET
fsr-3908	275	21	retirement	retirement	NOUN
fsr-3908	275	22	-	-	PUNCT
fsr-3908	275	23	savings	saving	NOUN
fsr-3908	275	24	puzzle?american	puzzle?american	PROPN
fsr-3908	275	25	economic	economic	ADJ
fsr-3908	275	26	review	review	NOUN
fsr-3908	275	27	,	,	PUNCT
fsr-3908	275	28	88	88	NUM
fsr-3908	275	29	,	,	PUNCT
fsr-3908	275	30	769–788	769–788	NUM
fsr-3908	275	31	.	.	PUNCT
fsr-3908	276	1	barnow	barnow	PROPN
fsr-3908	276	2	,	,	PUNCT
fsr-3908	276	3	b.	b.	PROPN
fsr-3908	276	4	,	,	PUNCT
fsr-3908	276	5	cain	cain	PROPN
fsr-3908	276	6	,	,	PUNCT
fsr-3908	276	7	g.	g.	PROPN
fsr-3908	276	8	,	,	PUNCT
fsr-3908	276	9	&	&	CCONJ
fsr-3908	276	10	goldberger	goldberger	NOUN
fsr-3908	276	11	,	,	PUNCT
fsr-3908	276	12	a.	a.	NOUN
fsr-3908	276	13	(	(	PUNCT
fsr-3908	276	14	1981	1981	NUM
fsr-3908	276	15	)	)	PUNCT
fsr-3908	276	16	.	.	PUNCT
fsr-3908	277	1	issues	issue	NOUN
fsr-3908	277	2	in	in	ADP
fsr-3908	277	3	the	the	DET
fsr-3908	277	4	analysis	analysis	NOUN
fsr-3908	277	5	of	of	ADP
fsr-3908	277	6	selectivity	selectivity	NOUN
fsr-3908	277	7	bias	bias	NOUN
fsr-3908	277	8	.	.	PUNCT
fsr-3908	278	1	in	in	ADP
fsr-3908	278	2	:	:	PUNCT
fsr-3908	278	3	e.	e.	PROPN
fsr-3908	278	4	stromsdorfer	stromsdorfer	PROPN
fsr-3908	278	5	&	&	CCONJ
fsr-3908	278	6	g.	g.	PROPN
fsr-3908	278	7	farkas	farkas	PROPN
fsr-3908	278	8	(	(	PUNCT
fsr-3908	278	9	eds.),evaluation	eds.),evaluation	NUM
fsr-3908	278	10	studies	study	NOUN
fsr-3908	278	11	review	review	VERB
fsr-3908	278	12	annual(vol	annual(vol	NOUN
fsr-3908	278	13	.	.	PUNCT
fsr-3908	279	1	5	5	NUM
fsr-3908	279	2	pp.43–59	pp.43–59	NOUN
fsr-3908	279	3	)	)	PUNCT
fsr-3908	279	4	.	.	PUNCT
fsr-3908	280	1	beverly	beverly	PROPN
fsr-3908	280	2	hills	hills	PROPN
fsr-3908	280	3	,	,	PUNCT
fsr-3908	280	4	california	california	PROPN
fsr-3908	280	5	:	:	PUNCT
fsr-3908	280	6	sage	sage	NOUN
fsr-3908	280	7	.	.	PUNCT
fsr-3908	281	1	bernheim	bernheim	PROPN
fsr-3908	281	2	,	,	PUNCT
fsr-3908	281	3	b.	b.	PROPN
fsr-3908	281	4	d.	d.	PROPN
fsr-3908	281	5	,	,	PUNCT
fsr-3908	281	6	skinner	skinner	PROPN
fsr-3908	281	7	,	,	PUNCT
fsr-3908	281	8	j.	j.	PROPN
fsr-3908	281	9	,	,	PUNCT
fsr-3908	281	10	&	&	CCONJ
fsr-3908	281	11	weinberg	weinberg	PROPN
fsr-3908	281	12	,	,	PUNCT
fsr-3908	281	13	s.	s.	PROPN
fsr-3908	281	14	(	(	PUNCT
fsr-3908	281	15	1997	1997	NUM
fsr-3908	281	16	)	)	PUNCT
fsr-3908	281	17	.	.	PUNCT
fsr-3908	282	1	what	what	PRON
fsr-3908	282	2	accounts	account	VERB
fsr-3908	282	3	for	for	ADP
fsr-3908	282	4	the	the	DET
fsr-3908	282	5	variation	variation	NOUN
fsr-3908	282	6	in	in	ADP
fsr-3908	282	7	retirement	retirement	NOUN
fsr-3908	282	8	wealth	wealth	NOUN
fsr-3908	282	9	among	among	ADP
fsr-3908	282	10	u.s	u.s	PROPN
fsr-3908	282	11	.	.	PROPN
fsr-3908	282	12	households?nber	households?nber	PROPN
fsr-3908	282	13	working	working	NOUN
fsr-3908	282	14	paper	paper	NOUN
fsr-3908	282	15	no	no	INTJ
fsr-3908	282	16	,	,	PUNCT
fsr-3908	282	17	6227	6227	NUM
fsr-3908	282	18	.	.	PUNCT
fsr-3908	283	1	cantor	cantor	PROPN
fsr-3908	283	2	,	,	PUNCT
fsr-3908	283	3	r.	r.	PROPN
fsr-3908	283	4	,	,	PUNCT
fsr-3908	283	5	&	&	CCONJ
fsr-3908	283	6	yuengert	yuengert	PROPN
fsr-3908	283	7	,	,	PUNCT
fsr-3908	283	8	a.	a.	PROPN
fsr-3908	283	9	(	(	PUNCT
fsr-3908	283	10	1994	1994	NUM
fsr-3908	283	11	)	)	PUNCT
fsr-3908	283	12	.	.	PUNCT
fsr-3908	284	1	the	the	DET
fsr-3908	284	2	baby	baby	NOUN
fsr-3908	284	3	boom	boom	NOUN
fsr-3908	284	4	generation	generation	NOUN
fsr-3908	284	5	and	and	CCONJ
fsr-3908	284	6	aggregate	aggregate	VERB
fsr-3908	284	7	savings.federal	savings.federal	PROPN
fsr-3908	284	8	reserve	reserve	PROPN
fsr-3908	284	9	bank	bank	PROPN
fsr-3908	284	10	of	of	ADP
fsr-3908	284	11	new	new	PROPN
fsr-3908	284	12	york	york	PROPN
fsr-3908	284	13	,	,	PUNCT
fsr-3908	284	14	quarterly	quarterly	ADJ
fsr-3908	284	15	review	review	NOUN
fsr-3908	284	16	,	,	PUNCT
fsr-3908	284	17	19,76–91	19,76–91	PROPN
fsr-3908	284	18	.	.	PUNCT
fsr-3908	285	1	hurd	hurd	PROPN
fsr-3908	285	2	,	,	PUNCT
fsr-3908	285	3	m.	m.	NOUN
fsr-3908	285	4	(	(	PUNCT
fsr-3908	285	5	1990	1990	NUM
fsr-3908	285	6	)	)	PUNCT
fsr-3908	285	7	.	.	PUNCT
fsr-3908	286	1	research	research	NOUN
fsr-3908	286	2	on	on	ADP
fsr-3908	286	3	the	the	DET
fsr-3908	286	4	elderly	elderly	ADJ
fsr-3908	286	5	,	,	PUNCT
fsr-3908	286	6	economic	economic	ADJ
fsr-3908	286	7	status	status	NOUN
fsr-3908	286	8	,	,	PUNCT
fsr-3908	286	9	retirement	retirement	NOUN
fsr-3908	286	10	and	and	CCONJ
fsr-3908	286	11	consumption	consumption	NOUN
fsr-3908	286	12	and	and	CCONJ
fsr-3908	286	13	saving.journal	saving.journal	PROPN
fsr-3908	286	14	of	of	ADP
fsr-3908	286	15	economic	economic	ADJ
fsr-3908	286	16	literature	literature	NOUN
fsr-3908	286	17	,	,	PUNCT
fsr-3908	286	18	28,565–637	28,565–637	NUM
fsr-3908	286	19	.	.	PUNCT
fsr-3908	286	20	juster	juster	PROPN
fsr-3908	286	21	,	,	PUNCT
fsr-3908	286	22	f.	f.	PROPN
fsr-3908	286	23	t.	t.	PROPN
fsr-3908	286	24	,	,	PUNCT
fsr-3908	286	25	&	&	CCONJ
fsr-3908	286	26	suzman	suzman	PROPN
fsr-3908	286	27	,	,	PUNCT
fsr-3908	286	28	e.	e.	PROPN
fsr-3908	286	29	(	(	PUNCT
fsr-3908	286	30	1995	1995	NUM
fsr-3908	286	31	)	)	PUNCT
fsr-3908	286	32	.	.	PUNCT
fsr-3908	287	1	an	an	DET
fsr-3908	287	2	overview	overview	NOUN
fsr-3908	287	3	of	of	ADP
fsr-3908	287	4	the	the	DET
fsr-3908	287	5	health	health	NOUN
fsr-3908	287	6	and	and	CCONJ
fsr-3908	287	7	retirement	retirement	NOUN
fsr-3908	287	8	study.the	study.the	DET
fsr-3908	287	9	journal	journal	NOUN
fsr-3908	287	10	of	of	ADP
fsr-3908	287	11	human	human	ADJ
fsr-3908	287	12	resources	resource	NOUN
fsr-3908	287	13	,	,	PUNCT
fsr-3908	287	14	30(suppl	30(suppl	NUM
fsr-3908	287	15	.	.	PUNCT
fsr-3908	287	16	)	)	PUNCT
fsr-3908	288	1	,	,	PUNCT
fsr-3908	288	2	s7	s7	NOUN
fsr-3908	288	3	–	–	PUNCT
fsr-3908	288	4	s58	s58	ADJ
fsr-3908	288	5	.	.	PUNCT
fsr-3908	289	1	lazear	lazear	PROPN
fsr-3908	289	2	,	,	PUNCT
fsr-3908	290	1	e.	e.	PROPN
fsr-3908	290	2	p.	p.	PROPN
fsr-3908	290	3	(	(	PUNCT
fsr-3908	290	4	1994	1994	NUM
fsr-3908	290	5	)	)	PUNCT
fsr-3908	290	6	.	.	PUNCT
fsr-3908	291	1	some	some	DET
fsr-3908	291	2	thoughts	thought	NOUN
fsr-3908	291	3	on	on	ADP
fsr-3908	291	4	savings	saving	NOUN
fsr-3908	291	5	.	.	PUNCT
fsr-3908	292	1	in	in	ADP
fsr-3908	292	2	d.	d.	PROPN
fsr-3908	292	3	a.	a.	PROPN
fsr-3908	292	4	wise	wise	ADV
fsr-3908	292	5	(	(	PUNCT
fsr-3908	292	6	ed.),studies	ed.),studies	PROPN
fsr-3908	292	7	in	in	ADP
fsr-3908	292	8	the	the	DET
fsr-3908	292	9	economics	economic	NOUN
fsr-3908	292	10	of	of	ADP
fsr-3908	292	11	aging(pp	aging(pp	PROPN
fsr-3908	292	12	.	.	PUNCT
fsr-3908	292	13	143–167	143–167	NUM
fsr-3908	292	14	)	)	PUNCT
fsr-3908	292	15	.	.	PUNCT
fsr-3908	293	1	chicago	chicago	PROPN
fsr-3908	293	2	:	:	PUNCT
fsr-3908	293	3	national	national	PROPN
fsr-3908	293	4	bureau	bureau	PROPN
fsr-3908	293	5	of	of	ADP
fsr-3908	293	6	economic	economic	ADJ
fsr-3908	293	7	research	research	NOUN
fsr-3908	293	8	.	.	PUNCT
fsr-3908	294	1	mcgarry	mcgarry	PROPN
fsr-3908	294	2	k.	k.	PROPN
fsr-3908	294	3	&	&	CCONJ
fsr-3908	294	4	davenport	davenport	PROPN
fsr-3908	294	5	,	,	PUNCT
fsr-3908	294	6	a.	a.	PROPN
fsr-3908	294	7	(	(	PUNCT
fsr-3908	294	8	1997	1997	NUM
fsr-3908	294	9	)	)	PUNCT
fsr-3908	294	10	.	.	PUNCT
fsr-3908	295	1	pensions	pension	NOUN
fsr-3908	295	2	and	and	CCONJ
fsr-3908	295	3	the	the	DET
fsr-3908	295	4	distribution	distribution	NOUN
fsr-3908	295	5	of	of	ADP
fsr-3908	295	6	wealth.nber	wealth.nber	PROPN
fsr-3908	295	7	working	working	NOUN
fsr-3908	295	8	paper	paper	NOUN
fsr-3908	295	9	no	no	INTJ
fsr-3908	295	10	,	,	PUNCT
fsr-3908	295	11	6171	6171	NUM
fsr-3908	295	12	.	.	PUNCT
fsr-3908	296	1	mitchell	mitchell	PROPN
fsr-3908	296	2	,	,	PUNCT
fsr-3908	296	3	o.	o.	PROPN
fsr-3908	296	4	,	,	PUNCT
fsr-3908	296	5	&	&	CCONJ
fsr-3908	296	6	moore	moore	PROPN
fsr-3908	296	7	,	,	PUNCT
fsr-3908	296	8	j.	j.	PROPN
fsr-3908	296	9	(	(	PUNCT
fsr-3908	296	10	1997	1997	NUM
fsr-3908	296	11	)	)	PUNCT
fsr-3908	296	12	.	.	PUNCT
fsr-3908	297	1	retirement	retirement	NOUN
fsr-3908	297	2	wealth	wealth	NOUN
fsr-3908	297	3	accumulation	accumulation	NOUN
fsr-3908	297	4	and	and	CCONJ
fsr-3908	297	5	decumulation	decumulation	NOUN
fsr-3908	297	6	:	:	PUNCT
fsr-3908	297	7	new	new	ADJ
fsr-3908	297	8	developments	development	NOUN
fsr-3908	297	9	and	and	CCONJ
fsr-3908	297	10	outstanding	outstanding	ADJ
fsr-3908	297	11	opportunities.nber	opportunities.nber	NUM
fsr-3908	297	12	working	working	NOUN
fsr-3908	297	13	paper	paper	NOUN
fsr-3908	297	14	no	no	NOUN
fsr-3908	297	15	,	,	PUNCT
fsr-3908	297	16	6178	6178	NUM
fsr-3908	297	17	.	.	PUNCT
fsr-3908	298	1	poterba	poterba	NOUN
fsr-3908	298	2	,	,	PUNCT
fsr-3908	298	3	j.	j.	PROPN
fsr-3908	298	4	a.	a.	PROPN
fsr-3908	298	5	(	(	PUNCT
fsr-3908	298	6	1996	1996	NUM
fsr-3908	298	7	)	)	PUNCT
fsr-3908	298	8	.	.	PUNCT
fsr-3908	299	1	personal	personal	ADJ
fsr-3908	299	2	saving	save	VERB
fsr-3908	299	3	behavior	behavior	NOUN
fsr-3908	299	4	and	and	CCONJ
fsr-3908	299	5	retirement	retirement	NOUN
fsr-3908	299	6	income	income	NOUN
fsr-3908	299	7	modeling	modeling	NOUN
fsr-3908	299	8	:	:	PUNCT
fsr-3908	299	9	a	a	DET
fsr-3908	299	10	research	research	NOUN
fsr-3908	299	11	assessment	assessment	NOUN
fsr-3908	299	12	.	.	PUNCT
fsr-3908	300	1	in	in	ADP
fsr-3908	300	2	nation	nation	NOUN
fsr-3908	300	3	research	research	PROPN
fsr-3908	300	4	council	council	PROPN
fsr-3908	300	5	,	,	PUNCT
fsr-3908	300	6	assessing	assess	VERB
fsr-3908	300	7	knowledge	knowledge	NOUN
fsr-3908	300	8	of	of	ADP
fsr-3908	300	9	retirement	retirement	NOUN
fsr-3908	300	10	behavior(pp	behavior(pp	NOUN
fsr-3908	300	11	.	.	PUNCT
fsr-3908	301	1	123–148	123–148	NUM
fsr-3908	301	2	)	)	PUNCT
fsr-3908	301	3	.	.	PUNCT
fsr-3908	302	1	washington	washington	PROPN
fsr-3908	302	2	,	,	PUNCT
fsr-3908	302	3	dc	dc	PROPN
fsr-3908	302	4	:	:	PUNCT
fsr-3908	302	5	national	national	PROPN
fsr-3908	302	6	academy	academy	PROPN
fsr-3908	302	7	press	press	PROPN
fsr-3908	302	8	.	.	PUNCT
fsr-3908	303	1	zavonia	zavonia	PROPN
fsr-3908	303	2	,	,	PUNCT
fsr-3908	303	3	r.	r.	PROPN
fsr-3908	303	4	,	,	PUNCT
fsr-3908	303	5	&	&	CCONJ
fsr-3908	303	6	mcelvey	mcelvey	PROPN
fsr-3908	303	7	,	,	PUNCT
fsr-3908	303	8	w.	w.	PROPN
fsr-3908	303	9	(	(	PUNCT
fsr-3908	303	10	1975	1975	NUM
fsr-3908	303	11	)	)	PUNCT
fsr-3908	303	12	.	.	PUNCT
fsr-3908	304	1	a	a	DET
fsr-3908	304	2	statistical	statistical	ADJ
fsr-3908	304	3	model	model	NOUN
fsr-3908	304	4	for	for	ADP
fsr-3908	304	5	the	the	DET
fsr-3908	304	6	analysis	analysis	NOUN
fsr-3908	304	7	of	of	ADP
fsr-3908	304	8	ordinal	ordinal	ADJ
fsr-3908	304	9	level	level	NOUN
fsr-3908	304	10	dependent	dependent	ADJ
fsr-3908	304	11	variables	variable	NOUN
fsr-3908	304	12	.	.	PUNCT
fsr-3908	305	1	journal	journal	NOUN
fsr-3908	305	2	of	of	ADP
fsr-3908	305	3	mathematical	mathematical	ADJ
fsr-3908	305	4	sociology	sociology	NOUN
fsr-3908	305	5	,	,	PUNCT
fsr-3908	305	6	4,103–120	4,103–120	NUM
fsr-3908	305	7	.	.	PUNCT
fsr-3908	306	1	45h.w	45h.w	NUM
fsr-3908	306	2	.	.	PUNCT
fsr-3908	307	1	elder	elder	NOUN
fsr-3908	307	2	,	,	PUNCT
fsr-3908	307	3	p.m.	p.m.	NOUN
fsr-3908	307	4	rudolph	rudolph	PROPN
fsr-3908	307	5	/	/	SYM
fsr-3908	307	6	financial	financial	ADJ
fsr-3908	307	7	services	service	NOUN
fsr-3908	307	8	review	review	VERB
fsr-3908	307	9	9	9	NUM
fsr-3908	307	10	(	(	PUNCT
fsr-3908	307	11	2000	2000	NUM
fsr-3908	307	12	)	)	PUNCT
fsr-3908	307	13	33–45	33–45	NUM