id	sid	tid	token	lemma	pos
fsr-3910	1	1	pii	pii	PROPN
fsr-3910	1	2	:	:	PUNCT
fsr-3910	1	3	s1057	s1057	NOUN
fsr-3910	1	4	-	-	PUNCT
fsr-3910	1	5	0810(00)00056	0810(00)00056	NUM
fsr-3910	1	6	-	-	PUNCT
fsr-3910	1	7	1	1	NUM
fsr-3910	1	8	social	social	ADJ
fsr-3910	1	9	security	security	NOUN
fsr-3910	1	10	investment	investment	NOUN
fsr-3910	1	11	accounts	account	NOUN
fsr-3910	1	12	:	:	PUNCT
fsr-3910	1	13	lessons	lesson	NOUN
fsr-3910	1	14	from	from	ADP
fsr-3910	1	15	participant	participant	ADJ
fsr-3910	1	16	-	-	PUNCT
fsr-3910	1	17	directed	direct	VERB
fsr-3910	1	18	401(k	401(k	PROPN
fsr-3910	1	19	)	)	PUNCT
fsr-3910	1	20	data	data	PROPN
fsr-3910	1	21	jack	jack	PROPN
fsr-3910	1	22	l.	l.	PROPN
fsr-3910	1	23	vanderheia	vanderheia	PROPN
fsr-3910	1	24	,	,	PUNCT
fsr-3910	1	25	*	*	PUNCT
fsr-3910	1	26	,	,	PUNCT
fsr-3910	1	27	1	1	NUM
fsr-3910	1	28	,	,	PUNCT
fsr-3910	1	29	kelly	kelly	PROPN
fsr-3910	1	30	a.	a.	PROPN
fsr-3910	1	31	olsenb,2	olsenb,2	VERB
fsr-3910	1	32	a1000	a1000	PROPN
fsr-3910	1	33	great	great	ADJ
fsr-3910	1	34	springs	spring	NOUN
fsr-3910	1	35	road	road	NOUN
fsr-3910	1	36	,	,	PUNCT
fsr-3910	1	37	rosemont	rosemont	PROPN
fsr-3910	1	38	,	,	PUNCT
fsr-3910	1	39	pa	pa	PROPN
fsr-3910	1	40	19010	19010	NUM
fsr-3910	1	41	,	,	PUNCT
fsr-3910	1	42	usa	usa	PROPN
fsr-3910	1	43	b500	b500	PROPN
fsr-3910	1	44	e	e	PROPN
fsr-3910	1	45	street	street	NOUN
fsr-3910	1	46	,	,	PUNCT
fsr-3910	1	47	9th	9th	ADJ
fsr-3910	1	48	floor	floor	NOUN
fsr-3910	1	49	,	,	PUNCT
fsr-3910	1	50	sw	sw	PROPN
fsr-3910	1	51	,	,	PUNCT
fsr-3910	1	52	washington	washington	PROPN
fsr-3910	1	53	,	,	PUNCT
fsr-3910	1	54	dc	dc	PROPN
fsr-3910	1	55	20036	20036	NUM
fsr-3910	1	56	,	,	PUNCT
fsr-3910	1	57	usa	usa	PROPN
fsr-3910	1	58	revised	revise	VERB
fsr-3910	1	59	16	16	NUM
fsr-3910	1	60	march	march	PROPN
fsr-3910	1	61	2000	2000	NUM
fsr-3910	1	62	abstract	abstract	ADJ
fsr-3910	1	63	newly	newly	ADV
fsr-3910	1	64	available	available	ADJ
fsr-3910	1	65	401(k	401(k	PROPN
fsr-3910	1	66	)	)	PUNCT
fsr-3910	1	67	participant	participant	NOUN
fsr-3910	1	68	investment	investment	NOUN
fsr-3910	1	69	data	datum	NOUN
fsr-3910	1	70	may	may	AUX
fsr-3910	1	71	have	have	VERB
fsr-3910	1	72	implications	implication	NOUN
fsr-3910	1	73	for	for	ADP
fsr-3910	1	74	individual	individual	ADJ
fsr-3910	1	75	social	social	ADJ
fsr-3910	1	76	security	security	NOUN
fsr-3910	1	77	account	account	NOUN
fsr-3910	1	78	(	(	PUNCT
fsr-3910	1	79	ia	ia	NOUN
fsr-3910	1	80	)	)	PUNCT
fsr-3910	1	81	proposals	proposal	NOUN
fsr-3910	1	82	.	.	PUNCT
fsr-3910	2	1	we	we	PRON
fsr-3910	2	2	found	find	VERB
fsr-3910	2	3	that	that	SCONJ
fsr-3910	2	4	women	woman	NOUN
fsr-3910	2	5	with	with	ADP
fsr-3910	2	6	wages	wage	NOUN
fsr-3910	2	7	between	between	ADP
fsr-3910	2	8	$	$	SYM
fsr-3910	2	9	25,000	25,000	NUM
fsr-3910	2	10	and	and	CCONJ
fsr-3910	2	11	$	$	SYM
fsr-3910	2	12	50,000	50,000	NUM
fsr-3910	2	13	have	have	VERB
fsr-3910	2	14	a	a	DET
fsr-3910	2	15	significantly	significantly	ADV
fsr-3910	2	16	greater	great	ADJ
fsr-3910	2	17	probability	probability	NOUN
fsr-3910	2	18	of	of	ADP
fsr-3910	2	19	investing	invest	VERB
fsr-3910	2	20	a	a	DET
fsr-3910	2	21	small	small	ADJ
fsr-3910	2	22	percentage	percentage	NOUN
fsr-3910	2	23	of	of	ADP
fsr-3910	2	24	their	their	PRON
fsr-3910	2	25	401(k	401(k	NOUN
fsr-3910	2	26	)	)	PUNCT
fsr-3910	2	27	in	in	ADP
fsr-3910	2	28	equities	equity	NOUN
fsr-3910	2	29	than	than	ADP
fsr-3910	2	30	their	their	PRON
fsr-3910	2	31	male	male	ADJ
fsr-3910	2	32	counterparts	counterpart	NOUN
fsr-3910	2	33	,	,	PUNCT
fsr-3910	2	34	but	but	CCONJ
fsr-3910	2	35	those	those	PRON
fsr-3910	2	36	with	with	ADP
fsr-3910	2	37	salaries	salary	NOUN
fsr-3910	2	38	over	over	ADP
fsr-3910	2	39	$	$	SYM
fsr-3910	2	40	75,000	75,000	NUM
fsr-3910	2	41	have	have	VERB
fsr-3910	2	42	a	a	DET
fsr-3910	2	43	smaller	small	ADJ
fsr-3910	2	44	probability	probability	NOUN
fsr-3910	2	45	.	.	PUNCT
fsr-3910	3	1	hence	hence	ADV
fsr-3910	3	2	,	,	PUNCT
fsr-3910	3	3	women	woman	NOUN
fsr-3910	3	4	’s	’s	PART
fsr-3910	3	5	less	less	ADV
fsr-3910	3	6	aggressive	aggressive	ADJ
fsr-3910	3	7	investment	investment	NOUN
fsr-3910	3	8	behavior	behavior	NOUN
fsr-3910	3	9	may	may	AUX
fsr-3910	3	10	be	be	AUX
fsr-3910	3	11	primarily	primarily	ADV
fsr-3910	3	12	due	due	ADJ
fsr-3910	3	13	to	to	ADP
fsr-3910	3	14	younger	young	ADJ
fsr-3910	3	15	cohorts	cohort	NOUN
fsr-3910	3	16	and	and	CCONJ
fsr-3910	3	17	may	may	AUX
fsr-3910	3	18	not	not	PART
fsr-3910	3	19	apply	apply	VERB
fsr-3910	3	20	above	above	ADP
fsr-3910	3	21	a	a	DET
fsr-3910	3	22	threshold	threshold	NOUN
fsr-3910	3	23	wage	wage	NOUN
fsr-3910	3	24	.	.	PUNCT
fsr-3910	4	1	however	however	ADV
fsr-3910	4	2	,	,	PUNCT
fsr-3910	4	3	overall	overall	ADJ
fsr-3910	4	4	,	,	PUNCT
fsr-3910	4	5	28.4	28.4	NUM
fsr-3910	4	6	%	%	NOUN
fsr-3910	4	7	of	of	ADP
fsr-3910	4	8	men	man	NOUN
fsr-3910	4	9	and	and	CCONJ
fsr-3910	4	10	33.8	33.8	NUM
fsr-3910	4	11	%	%	NOUN
fsr-3910	4	12	of	of	ADP
fsr-3910	4	13	women	woman	NOUN
fsr-3910	4	14	are	be	AUX
fsr-3910	4	15	conservative	conservative	ADJ
fsr-3910	4	16	investors	investor	NOUN
fsr-3910	4	17	,	,	PUNCT
fsr-3910	4	18	suggesting	suggest	VERB
fsr-3910	4	19	the	the	DET
fsr-3910	4	20	possible	possible	ADJ
fsr-3910	4	21	risk	risk	NOUN
fsr-3910	4	22	low	low	PROPN
fsr-3910	4	23	ia	ia	PROPN
fsr-3910	4	24	accumulations	accumulation	NOUN
fsr-3910	4	25	under	under	ADP
fsr-3910	4	26	some	some	DET
fsr-3910	4	27	proposals	proposal	NOUN
fsr-3910	4	28	.	.	PUNCT
fsr-3910	5	1	©	©	ADP
fsr-3910	5	2	2000	2000	NUM
fsr-3910	5	3	elsevier	elsevier	PROPN
fsr-3910	5	4	science	science	PROPN
fsr-3910	5	5	inc	inc	PROPN
fsr-3910	5	6	.	.	PUNCT
fsr-3910	6	1	all	all	DET
fsr-3910	6	2	rights	right	NOUN
fsr-3910	6	3	reserved	reserve	VERB
fsr-3910	6	4	.	.	PUNCT
fsr-3910	7	1	1	1	X
fsr-3910	7	2	.	.	X
fsr-3910	7	3	introduction	introduction	NOUN
fsr-3910	7	4	and	and	CCONJ
fsr-3910	7	5	background	background	NOUN
fsr-3910	7	6	obtaining	obtain	VERB
fsr-3910	7	7	private	private	ADJ
fsr-3910	7	8	market	market	NOUN
fsr-3910	7	9	returns	return	NOUN
fsr-3910	7	10	though	though	SCONJ
fsr-3910	7	11	social	social	ADJ
fsr-3910	7	12	security	security	NOUN
fsr-3910	7	13	individual	individual	ADJ
fsr-3910	7	14	accounts	account	NOUN
fsr-3910	7	15	(	(	PUNCT
fsr-3910	7	16	ias	ias	PROPN
fsr-3910	7	17	)	)	PUNCT
fsr-3910	7	18	is	be	AUX
fsr-3910	7	19	a	a	DET
fsr-3910	7	20	relatively	relatively	ADV
fsr-3910	7	21	novel	novel	ADJ
fsr-3910	7	22	and	and	CCONJ
fsr-3910	7	23	popular	popular	ADJ
fsr-3910	7	24	idea	idea	NOUN
fsr-3910	7	25	(	(	PUNCT
fsr-3910	7	26	bowman	bowman	NOUN
fsr-3910	7	27	,	,	PUNCT
fsr-3910	7	28	1999	1999	NUM
fsr-3910	7	29	;	;	PUNCT
fsr-3910	7	30	upston	upston	NOUN
fsr-3910	7	31	,	,	PUNCT
fsr-3910	7	32	1998	1998	NUM
fsr-3910	7	33	)	)	PUNCT
fsr-3910	7	34	.	.	PUNCT
fsr-3910	8	1	this	this	DET
fsr-3910	8	2	type	type	NOUN
fsr-3910	8	3	of	of	ADP
fsr-3910	8	4	reform	reform	NOUN
fsr-3910	8	5	*	*	PUNCT
fsr-3910	8	6	corresponding	correspond	VERB
fsr-3910	8	7	author	author	NOUN
fsr-3910	8	8	.	.	PUNCT
fsr-3910	9	1	tel.:11	tel.:11	PROPN
fsr-3910	9	2	-	-	PUNCT
fsr-3910	9	3	610	610	NUM
fsr-3910	9	4	-	-	PUNCT
fsr-3910	9	5	525	525	NUM
fsr-3910	9	6	-	-	PUNCT
fsr-3910	9	7	6139	6139	NUM
fsr-3910	9	8	.	.	PUNCT
fsr-3910	10	1	e	e	X
fsr-3910	10	2	-	-	NOUN
fsr-3910	10	3	mail	mail	NOUN
fsr-3910	10	4	address:jack@vanderhei.com	address:jack@vanderhei.com	NOUN
fsr-3910	10	5	(	(	PUNCT
fsr-3910	10	6	j.l	j.l	PROPN
fsr-3910	10	7	.	.	PROPN
fsr-3910	10	8	vanderhei	vanderhei	PROPN
fsr-3910	10	9	)	)	PUNCT
fsr-3910	10	10	.	.	PUNCT
fsr-3910	11	1	1	1	NUM
fsr-3910	11	2	jack	jack	PROPN
fsr-3910	11	3	l.	l.	PROPN
fsr-3910	11	4	vanderhei	vanderhei	PROPN
fsr-3910	11	5	is	be	AUX
fsr-3910	11	6	a	a	DET
fsr-3910	11	7	faculty	faculty	NOUN
fsr-3910	11	8	member	member	NOUN
fsr-3910	11	9	at	at	ADP
fsr-3910	11	10	temple	temple	PROPN
fsr-3910	11	11	university	university	PROPN
fsr-3910	11	12	’s	’s	PART
fsr-3910	11	13	fox	fox	PROPN
fsr-3910	11	14	school	school	NOUN
fsr-3910	11	15	of	of	ADP
fsr-3910	11	16	business	business	NOUN
fsr-3910	11	17	and	and	CCONJ
fsr-3910	11	18	management	management	NOUN
fsr-3910	11	19	(	(	PUNCT
fsr-3910	11	20	department	department	NOUN
fsr-3910	11	21	of	of	ADP
fsr-3910	11	22	risk	risk	NOUN
fsr-3910	11	23	,	,	PUNCT
fsr-3910	11	24	insurance	insurance	NOUN
fsr-3910	11	25	,	,	PUNCT
fsr-3910	11	26	and	and	CCONJ
fsr-3910	11	27	healthcare	healthcare	PROPN
fsr-3910	11	28	management	management	NOUN
fsr-3910	11	29	)	)	PUNCT
fsr-3910	11	30	and	and	CCONJ
fsr-3910	11	31	the	the	DET
fsr-3910	11	32	research	research	NOUN
fsr-3910	11	33	director	director	NOUN
fsr-3910	11	34	of	of	ADP
fsr-3910	11	35	the	the	DET
fsr-3910	11	36	ebri	ebri	PROPN
fsr-3910	11	37	fellow	fellow	NOUN
fsr-3910	11	38	’s	’s	PART
fsr-3910	11	39	program	program	NOUN
fsr-3910	11	40	.	.	PUNCT
fsr-3910	12	1	2	2	NUM
fsr-3910	12	2	kelly	kelly	PROPN
fsr-3910	12	3	a.	a.	PROPN
fsr-3910	12	4	olsen	olsen	PROPN
fsr-3910	12	5	is	be	AUX
fsr-3910	12	6	a	a	DET
fsr-3910	12	7	policy	policy	NOUN
fsr-3910	12	8	analyst	analyst	NOUN
fsr-3910	12	9	with	with	ADP
fsr-3910	12	10	the	the	DET
fsr-3910	12	11	social	social	ADJ
fsr-3910	12	12	security	security	NOUN
fsr-3910	12	13	administration	administration	NOUN
fsr-3910	12	14	’s	’s	PART
fsr-3910	12	15	office	office	NOUN
fsr-3910	12	16	of	of	ADP
fsr-3910	12	17	retirement	retirement	NOUN
fsr-3910	12	18	policy	policy	NOUN
fsr-3910	12	19	.	.	PUNCT
fsr-3910	13	1	all	all	DET
fsr-3910	13	2	statements	statement	NOUN
fsr-3910	13	3	made	make	VERB
fsr-3910	13	4	in	in	ADP
fsr-3910	13	5	this	this	DET
fsr-3910	13	6	paper	paper	NOUN
fsr-3910	13	7	reflect	reflect	VERB
fsr-3910	13	8	only	only	ADV
fsr-3910	13	9	those	those	PRON
fsr-3910	13	10	of	of	ADP
fsr-3910	13	11	the	the	DET
fsr-3910	13	12	authors	author	NOUN
fsr-3910	13	13	and	and	CCONJ
fsr-3910	13	14	do	do	AUX
fsr-3910	13	15	not	not	PART
fsr-3910	13	16	represent	represent	VERB
fsr-3910	13	17	or	or	CCONJ
fsr-3910	13	18	reflect	reflect	VERB
fsr-3910	13	19	whatsoever	whatsoever	ADV
fsr-3910	13	20	any	any	DET
fsr-3910	13	21	positions	position	NOUN
fsr-3910	13	22	held	hold	VERB
fsr-3910	13	23	by	by	ADP
fsr-3910	13	24	the	the	DET
fsr-3910	13	25	administration	administration	NOUN
fsr-3910	13	26	or	or	CCONJ
fsr-3910	13	27	the	the	DET
fsr-3910	13	28	office	office	NOUN
fsr-3910	13	29	of	of	ADP
fsr-3910	13	30	retirement	retirement	NOUN
fsr-3910	13	31	policy	policy	NOUN
fsr-3910	13	32	.	.	PUNCT
fsr-3910	14	1	financial	financial	ADJ
fsr-3910	14	2	services	service	NOUN
fsr-3910	14	3	review	review	VERB
fsr-3910	14	4	9	9	NUM
fsr-3910	14	5	(	(	PUNCT
fsr-3910	14	6	2000	2000	NUM
fsr-3910	14	7	)	)	PUNCT
fsr-3910	14	8	65–78	65–78	NOUN
fsr-3910	14	9	1057	1057	NUM
fsr-3910	14	10	-	-	SYM
fsr-3910	14	11	0810/00/$	0810/00/$	NUM
fsr-3910	14	12	–	–	PUNCT
fsr-3910	14	13	see	see	VERB
fsr-3910	14	14	front	front	ADJ
fsr-3910	14	15	matter	matter	NOUN
fsr-3910	15	1	©	©	PROPN
fsr-3910	15	2	2000	2000	NUM
fsr-3910	15	3	elsevier	elsevier	PROPN
fsr-3910	15	4	science	science	PROPN
fsr-3910	15	5	inc	inc	PROPN
fsr-3910	15	6	.	.	PUNCT
fsr-3910	16	1	all	all	DET
fsr-3910	16	2	rights	right	NOUN
fsr-3910	16	3	reserved	reserve	VERB
fsr-3910	16	4	.	.	PUNCT
fsr-3910	17	1	pii	pii	NOUN
fsr-3910	17	2	:	:	PUNCT
fsr-3910	17	3	s1057	s1057	NOUN
fsr-3910	17	4	-	-	PUNCT
fsr-3910	17	5	0810(00)00056	0810(00)00056	NUM
fsr-3910	17	6	-	-	PUNCT
fsr-3910	17	7	1	1	NUM
fsr-3910	17	8	proposal	proposal	NOUN
fsr-3910	17	9	is	be	AUX
fsr-3910	17	10	the	the	DET
fsr-3910	17	11	alternative	alternative	NOUN
fsr-3910	17	12	to	to	ADP
fsr-3910	17	13	the	the	DET
fsr-3910	17	14	traditional	traditional	ADJ
fsr-3910	17	15	,	,	PUNCT
fsr-3910	17	16	unpopular	unpopular	ADJ
fsr-3910	17	17	program	program	NOUN
fsr-3910	17	18	fixes	fix	NOUN
fsr-3910	17	19	of	of	ADP
fsr-3910	17	20	tax	tax	NOUN
fsr-3910	17	21	increases	increase	NOUN
fsr-3910	17	22	and	and	CCONJ
fsr-3910	17	23	benefit	benefit	NOUN
fsr-3910	17	24	cuts	cut	NOUN
fsr-3910	17	25	that	that	PRON
fsr-3910	17	26	will	will	AUX
fsr-3910	17	27	inevitably	inevitably	ADV
fsr-3910	17	28	need	need	VERB
fsr-3910	17	29	to	to	PART
fsr-3910	17	30	be	be	AUX
fsr-3910	17	31	part	part	NOUN
fsr-3910	17	32	of	of	ADP
fsr-3910	17	33	a	a	DET
fsr-3910	17	34	comprehensive	comprehensive	ADJ
fsr-3910	17	35	approach	approach	NOUN
fsr-3910	17	36	to	to	ADP
fsr-3910	17	37	long	long	ADJ
fsr-3910	17	38	-	-	PUNCT
fsr-3910	17	39	term	term	NOUN
fsr-3910	17	40	social	social	ADJ
fsr-3910	17	41	security	security	NOUN
fsr-3910	17	42	policy	policy	NOUN
fsr-3910	17	43	.	.	PUNCT
fsr-3910	18	1	however	however	ADV
fsr-3910	18	2	,	,	PUNCT
fsr-3910	18	3	the	the	DET
fsr-3910	18	4	idea	idea	NOUN
fsr-3910	18	5	raises	raise	VERB
fsr-3910	18	6	concerns	concern	NOUN
fsr-3910	18	7	over	over	ADP
fsr-3910	18	8	the	the	DET
fsr-3910	18	9	extent	extent	NOUN
fsr-3910	18	10	to	to	PART
fsr-3910	18	11	which	which	PRON
fsr-3910	18	12	benefits	benefit	NOUN
fsr-3910	18	13	would	would	AUX
fsr-3910	18	14	vary	vary	VERB
fsr-3910	18	15	across	across	ADP
fsr-3910	18	16	participants	participant	NOUN
fsr-3910	18	17	.	.	PUNCT
fsr-3910	19	1	while	while	SCONJ
fsr-3910	19	2	most	most	ADJ
fsr-3910	19	3	research	research	NOUN
fsr-3910	19	4	thus	thus	ADV
fsr-3910	19	5	far	far	ADV
fsr-3910	19	6	has	have	AUX
fsr-3910	19	7	focused	focus	VERB
fsr-3910	19	8	on	on	ADP
fsr-3910	19	9	the	the	DET
fsr-3910	19	10	effect	effect	NOUN
fsr-3910	19	11	of	of	ADP
fsr-3910	19	12	market	market	NOUN
fsr-3910	19	13	volatility	volatility	NOUN
fsr-3910	19	14	on	on	ADP
fsr-3910	19	15	social	social	ADJ
fsr-3910	19	16	security	security	NOUN
fsr-3910	19	17	benefits	benefit	NOUN
fsr-3910	19	18	across	across	ADP
fsr-3910	19	19	workers	worker	NOUN
fsr-3910	19	20	participating	participate	VERB
fsr-3910	19	21	in	in	ADP
fsr-3910	19	22	ia	ia	PROPN
fsr-3910	19	23	plans	plan	NOUN
fsr-3910	19	24	(	(	PUNCT
fsr-3910	19	25	e.g.	e.g.	ADV
fsr-3910	19	26	,	,	PUNCT
fsr-3910	19	27	ball	ball	NOUN
fsr-3910	19	28	1998	1998	NUM
fsr-3910	19	29	)	)	PUNCT
fsr-3910	19	30	,	,	PUNCT
fsr-3910	19	31	the	the	DET
fsr-3910	19	32	objective	objective	NOUN
fsr-3910	19	33	of	of	ADP
fsr-3910	19	34	this	this	DET
fsr-3910	19	35	analysis	analysis	NOUN
fsr-3910	19	36	is	be	AUX
fsr-3910	19	37	to	to	PART
fsr-3910	19	38	ascertain	ascertain	VERB
fsr-3910	19	39	the	the	DET
fsr-3910	19	40	extent	extent	NOUN
fsr-3910	19	41	to	to	PART
fsr-3910	19	42	which	which	PRON
fsr-3910	19	43	individual	individual	ADJ
fsr-3910	19	44	investment	investment	NOUN
fsr-3910	19	45	behavior	behavior	NOUN
fsr-3910	19	46	would	would	AUX
fsr-3910	19	47	be	be	AUX
fsr-3910	19	48	a	a	DET
fsr-3910	19	49	source	source	NOUN
fsr-3910	19	50	of	of	ADP
fsr-3910	19	51	benefit	benefit	NOUN
fsr-3910	19	52	variation	variation	NOUN
fsr-3910	19	53	.	.	PUNCT
fsr-3910	20	1	the	the	DET
fsr-3910	20	2	extent	extent	NOUN
fsr-3910	20	3	of	of	ADP
fsr-3910	20	4	such	such	ADJ
fsr-3910	20	5	variation	variation	NOUN
fsr-3910	20	6	,	,	PUNCT
fsr-3910	20	7	relative	relative	ADJ
fsr-3910	20	8	to	to	ADP
fsr-3910	20	9	current	current	ADJ
fsr-3910	20	10	law	law	NOUN
fsr-3910	20	11	,	,	PUNCT
fsr-3910	20	12	is	be	AUX
fsr-3910	20	13	likely	likely	ADJ
fsr-3910	20	14	to	to	PART
fsr-3910	20	15	be	be	AUX
fsr-3910	20	16	a	a	DET
fsr-3910	20	17	consideration	consideration	NOUN
fsr-3910	20	18	used	use	VERB
fsr-3910	20	19	by	by	ADP
fsr-3910	20	20	policymakers	policymaker	NOUN
fsr-3910	20	21	and	and	CCONJ
fsr-3910	20	22	the	the	DET
fsr-3910	20	23	public	public	NOUN
fsr-3910	20	24	in	in	ADP
fsr-3910	20	25	assessing	assess	VERB
fsr-3910	20	26	predicted	predict	VERB
fsr-3910	20	27	outcomes	outcome	NOUN
fsr-3910	20	28	under	under	ADP
fsr-3910	20	29	ia	ia	NOUN
fsr-3910	20	30	plans	plan	NOUN
fsr-3910	20	31	and	and	CCONJ
fsr-3910	20	32	for	for	ADP
fsr-3910	20	33	the	the	DET
fsr-3910	20	34	possible	possible	ADJ
fsr-3910	20	35	design	design	NOUN
fsr-3910	20	36	and/or	and/or	CCONJ
fsr-3910	20	37	redesign	redesign	NOUN
fsr-3910	20	38	of	of	ADP
fsr-3910	20	39	the	the	DET
fsr-3910	20	40	plans	plan	NOUN
fsr-3910	20	41	based	base	VERB
fsr-3910	20	42	on	on	ADP
fsr-3910	20	43	those	those	DET
fsr-3910	20	44	expectations	expectation	NOUN
fsr-3910	20	45	.	.	PUNCT
fsr-3910	21	1	to	to	PART
fsr-3910	21	2	demonstrate	demonstrate	VERB
fsr-3910	21	3	the	the	DET
fsr-3910	21	4	varying	vary	VERB
fsr-3910	21	5	degrees	degree	NOUN
fsr-3910	21	6	to	to	ADP
fsr-3910	21	7	which	which	PRON
fsr-3910	21	8	final	final	ADJ
fsr-3910	21	9	social	social	ADJ
fsr-3910	21	10	security	security	NOUN
fsr-3910	21	11	benefits	benefit	NOUN
fsr-3910	21	12	would	would	AUX
fsr-3910	21	13	depend	depend	VERB
fsr-3910	21	14	on	on	ADP
fsr-3910	21	15	individual	individual	ADJ
fsr-3910	21	16	investment	investment	NOUN
fsr-3910	21	17	decisions	decision	NOUN
fsr-3910	21	18	under	under	ADP
fsr-3910	21	19	proposed	propose	VERB
fsr-3910	21	20	policies	policy	NOUN
fsr-3910	21	21	,	,	PUNCT
fsr-3910	21	22	this	this	DET
fsr-3910	21	23	article	article	NOUN
fsr-3910	21	24	first	first	ADV
fsr-3910	21	25	describes	describe	VERB
fsr-3910	21	26	five	five	NUM
fsr-3910	21	27	individual	individual	ADJ
fsr-3910	21	28	account	account	NOUN
fsr-3910	21	29	(	(	PUNCT
fsr-3910	21	30	ia	ia	NOUN
fsr-3910	21	31	)	)	PUNCT
fsr-3910	21	32	proposals	proposal	NOUN
fsr-3910	21	33	that	that	PRON
fsr-3910	21	34	were	be	AUX
fsr-3910	21	35	introduced	introduce	VERB
fsr-3910	21	36	in	in	ADP
fsr-3910	21	37	1999	1999	NUM
fsr-3910	21	38	.	.	PUNCT
fsr-3910	22	1	then	then	ADV
fsr-3910	22	2	,	,	PUNCT
fsr-3910	22	3	a	a	DET
fsr-3910	22	4	review	review	NOUN
fsr-3910	22	5	is	be	AUX
fsr-3910	22	6	provided	provide	VERB
fsr-3910	22	7	of	of	ADP
fsr-3910	22	8	previous	previous	ADJ
fsr-3910	22	9	studies	study	NOUN
fsr-3910	22	10	that	that	PRON
fsr-3910	22	11	estimate	estimate	VERB
fsr-3910	22	12	401(k	401(k	NOUN
fsr-3910	22	13	)	)	PUNCT
fsr-3910	22	14	participant	participant	ADJ
fsr-3910	22	15	investment	investment	NOUN
fsr-3910	22	16	behavior	behavior	NOUN
fsr-3910	22	17	.	.	PUNCT
fsr-3910	23	1	in	in	ADP
fsr-3910	23	2	the	the	DET
fsr-3910	23	3	third	third	ADJ
fsr-3910	23	4	section	section	NOUN
fsr-3910	23	5	of	of	ADP
fsr-3910	23	6	this	this	DET
fsr-3910	23	7	article	article	NOUN
fsr-3910	23	8	,	,	PUNCT
fsr-3910	23	9	we	we	PRON
fsr-3910	23	10	describe	describe	VERB
fsr-3910	23	11	how	how	SCONJ
fsr-3910	23	12	newly	newly	ADV
fsr-3910	23	13	available	available	ADJ
fsr-3910	23	14	data	datum	NOUN
fsr-3910	23	15	on	on	ADP
fsr-3910	23	16	401(k	401(k	PROPN
fsr-3910	23	17	)	)	PUNCT
fsr-3910	23	18	participant	participant	NOUN
fsr-3910	23	19	investment	investment	NOUN
fsr-3910	23	20	behavior	behavior	NOUN
fsr-3910	23	21	can	can	AUX
fsr-3910	23	22	be	be	AUX
fsr-3910	23	23	used	use	VERB
fsr-3910	23	24	to	to	PART
fsr-3910	23	25	identify	identify	VERB
fsr-3910	23	26	groups	group	NOUN
fsr-3910	23	27	that	that	PRON
fsr-3910	23	28	tend	tend	VERB
fsr-3910	23	29	to	to	PART
fsr-3910	23	30	be	be	AUX
fsr-3910	23	31	overly	overly	ADV
fsr-3910	23	32	conservative	conservative	ADJ
fsr-3910	23	33	investors	investor	NOUN
fsr-3910	23	34	in	in	ADP
fsr-3910	23	35	their	their	PRON
fsr-3910	23	36	401(k	401(k	NOUN
fsr-3910	23	37	)	)	PUNCT
fsr-3910	23	38	plans	plan	NOUN
fsr-3910	23	39	,	,	PUNCT
fsr-3910	23	40	and	and	CCONJ
fsr-3910	23	41	we	we	PRON
fsr-3910	23	42	present	present	VERB
fsr-3910	23	43	our	our	PRON
fsr-3910	23	44	findings	finding	NOUN
fsr-3910	23	45	.	.	PUNCT
fsr-3910	24	1	finally	finally	ADV
fsr-3910	24	2	,	,	PUNCT
fsr-3910	24	3	the	the	DET
fsr-3910	24	4	implications	implication	NOUN
fsr-3910	24	5	of	of	ADP
fsr-3910	24	6	these	these	DET
fsr-3910	24	7	results	result	NOUN
fsr-3910	24	8	are	be	AUX
fsr-3910	24	9	discussed	discuss	VERB
fsr-3910	24	10	in	in	ADP
fsr-3910	24	11	terms	term	NOUN
fsr-3910	24	12	of	of	ADP
fsr-3910	24	13	the	the	DET
fsr-3910	24	14	ia	ia	PROPN
fsr-3910	24	15	plans	plan	NOUN
fsr-3910	24	16	profiled	profile	VERB
fsr-3910	24	17	.	.	PUNCT
fsr-3910	25	1	2	2	X
fsr-3910	25	2	.	.	X
fsr-3910	25	3	specific	specific	ADJ
fsr-3910	25	4	proposals	proposal	NOUN
fsr-3910	25	5	for	for	ADP
fsr-3910	25	6	individual	individual	ADJ
fsr-3910	25	7	social	social	ADJ
fsr-3910	25	8	security	security	NOUN
fsr-3910	25	9	investment	investment	NOUN
fsr-3910	25	10	accounts	account	VERB
fsr-3910	25	11	2.1	2.1	NUM
fsr-3910	25	12	.	.	PUNCT
fsr-3910	26	1	kolbe	kolbe	PROPN
fsr-3910	26	2	-	-	PUNCT
fsr-3910	26	3	stenholm	stenholm	NOUN
fsr-3910	26	4	plan	plan	NOUN
fsr-3910	26	5	(	(	PUNCT
fsr-3910	26	6	1999	1999	NUM
fsr-3910	26	7	version	version	NOUN
fsr-3910	26	8	)	)	PUNCT
fsr-3910	26	9	the	the	DET
fsr-3910	26	10	kolbe	kolbe	PROPN
fsr-3910	26	11	-	-	PUNCT
fsr-3910	26	12	stenholm	stenholm	NOUN
fsr-3910	26	13	proposal	proposal	NOUN
fsr-3910	26	14	(	(	PUNCT
fsr-3910	26	15	table	table	NOUN
fsr-3910	26	16	1	1	NUM
fsr-3910	26	17	)	)	PUNCT
fsr-3910	26	18	would	would	AUX
fsr-3910	26	19	maintain	maintain	VERB
fsr-3910	26	20	oasdi	oasdi	ADJ
fsr-3910	26	21	taxes	taxis	NOUN
fsr-3910	26	22	at	at	ADP
fsr-3910	26	23	their	their	PRON
fsr-3910	26	24	current	current	ADJ
fsr-3910	26	25	-	-	PUNCT
fsr-3910	26	26	law	law	NOUN
fsr-3910	26	27	rate	rate	NOUN
fsr-3910	26	28	(	(	PUNCT
fsr-3910	26	29	12.4	12.4	NUM
fsr-3910	26	30	%	%	NOUN
fsr-3910	26	31	in	in	ADP
fsr-3910	26	32	2000	2000	NUM
fsr-3910	26	33	and	and	CCONJ
fsr-3910	26	34	beyond	beyond	ADP
fsr-3910	26	35	)	)	PUNCT
fsr-3910	26	36	and	and	CCONJ
fsr-3910	26	37	divert	divert	VERB
fsr-3910	26	38	2	2	NUM
fsr-3910	26	39	percentage	percentage	NOUN
fsr-3910	26	40	points	point	NOUN
fsr-3910	26	41	of	of	ADP
fsr-3910	26	42	this	this	DET
fsr-3910	26	43	12.4	12.4	NUM
fsr-3910	26	44	%	%	NOUN
fsr-3910	26	45	into	into	ADP
fsr-3910	26	46	ias	ias	PROPN
fsr-3910	26	47	.	.	PUNCT
fsr-3910	27	1	voluntary	voluntary	ADJ
fsr-3910	27	2	contributions	contribution	NOUN
fsr-3910	27	3	of	of	ADP
fsr-3910	27	4	up	up	ADP
fsr-3910	27	5	to	to	PART
fsr-3910	27	6	$	$	SYM
fsr-3910	27	7	2,000	2,000	NUM
fsr-3910	27	8	per	per	ADP
fsr-3910	27	9	year	year	NOUN
fsr-3910	27	10	could	could	AUX
fsr-3910	27	11	be	be	AUX
fsr-3910	27	12	added	add	VERB
fsr-3910	27	13	,	,	PUNCT
fsr-3910	27	14	and	and	CCONJ
fsr-3910	27	15	low	low	ADJ
fsr-3910	27	16	-	-	PUNCT
fsr-3910	27	17	income	income	NOUN
fsr-3910	27	18	workers	worker	NOUN
fsr-3910	27	19	would	would	AUX
fsr-3910	27	20	be	be	AUX
fsr-3910	27	21	provided	provide	VERB
fsr-3910	27	22	a	a	DET
fsr-3910	27	23	matching	matching	NOUN
fsr-3910	27	24	contribution	contribution	NOUN
fsr-3910	27	25	on	on	ADP
fsr-3910	27	26	a	a	DET
fsr-3910	27	27	sliding	slide	VERB
fsr-3910	27	28	scale	scale	NOUN
fsr-3910	27	29	based	base	VERB
fsr-3910	27	30	on	on	ADP
fsr-3910	27	31	income	income	NOUN
fsr-3910	27	32	.	.	PUNCT
fsr-3910	28	1	investment	investment	NOUN
fsr-3910	28	2	choices	choice	NOUN
fsr-3910	28	3	would	would	AUX
fsr-3910	28	4	be	be	AUX
fsr-3910	28	5	limited	limit	VERB
fsr-3910	28	6	and	and	CCONJ
fsr-3910	28	7	designed	design	VERB
fsr-3910	28	8	to	to	PART
fsr-3910	28	9	resemble	resemble	VERB
fsr-3910	28	10	those	those	PRON
fsr-3910	28	11	available	available	ADJ
fsr-3910	28	12	to	to	ADP
fsr-3910	28	13	federal	federal	ADJ
fsr-3910	28	14	workers	worker	NOUN
fsr-3910	28	15	who	who	PRON
fsr-3910	28	16	participate	participate	VERB
fsr-3910	28	17	in	in	ADP
fsr-3910	28	18	the	the	DET
fsr-3910	28	19	thrift	thrift	NOUN
fsr-3910	28	20	savings	saving	NOUN
fsr-3910	28	21	plan	plan	NOUN
fsr-3910	28	22	(	(	PUNCT
fsr-3910	28	23	tsp	tsp	NOUN
fsr-3910	28	24	)	)	PUNCT
fsr-3910	28	25	.	.	PUNCT
fsr-3910	29	1	tsp	tsp	NOUN
fsr-3910	29	2	participants	participant	NOUN
fsr-3910	29	3	are	be	AUX
fsr-3910	29	4	currently	currently	ADV
fsr-3910	29	5	limited	limit	VERB
fsr-3910	29	6	to	to	ADP
fsr-3910	29	7	investment	investment	NOUN
fsr-3910	29	8	in	in	ADP
fsr-3910	29	9	equity	equity	NOUN
fsr-3910	29	10	index	index	NOUN
fsr-3910	29	11	funds	fund	NOUN
fsr-3910	29	12	,	,	PUNCT
fsr-3910	29	13	treasury	treasury	NOUN
fsr-3910	29	14	bonds	bond	NOUN
fsr-3910	29	15	,	,	PUNCT
fsr-3910	29	16	and	and	CCONJ
fsr-3910	29	17	debt	debt	NOUN
fsr-3910	29	18	index	index	NOUN
fsr-3910	29	19	funds	fund	NOUN
fsr-3910	29	20	,	,	PUNCT
fsr-3910	29	21	and	and	CCONJ
fsr-3910	29	22	a	a	DET
fsr-3910	29	23	small	small	ADJ
fsr-3910	29	24	-	-	PUNCT
fsr-3910	29	25	cap	cap	NOUN
fsr-3910	29	26	and	and	CCONJ
fsr-3910	29	27	an	an	DET
fsr-3910	29	28	international	international	ADJ
fsr-3910	29	29	fund	fund	NOUN
fsr-3910	29	30	are	be	AUX
fsr-3910	29	31	scheduled	schedule	VERB
fsr-3910	29	32	to	to	PART
fsr-3910	29	33	be	be	AUX
fsr-3910	29	34	added	add	VERB
fsr-3910	29	35	.	.	PUNCT
fsr-3910	30	1	in	in	ADP
fsr-3910	30	2	order	order	NOUN
fsr-3910	30	3	to	to	PART
fsr-3910	30	4	“	"	PUNCT
fsr-3910	30	5	make	make	VERB
fsr-3910	30	6	room	room	NOUN
fsr-3910	30	7	”	"	PUNCT
fsr-3910	30	8	for	for	ADP
fsr-3910	30	9	the	the	DET
fsr-3910	30	10	diversion	diversion	NOUN
fsr-3910	30	11	of	of	ADP
fsr-3910	30	12	2	2	NUM
fsr-3910	30	13	%	%	NOUN
fsr-3910	30	14	of	of	ADP
fsr-3910	30	15	taxable	taxable	ADJ
fsr-3910	30	16	payroll	payroll	NOUN
fsr-3910	30	17	to	to	ADP
fsr-3910	30	18	individual	individual	ADJ
fsr-3910	30	19	accounts	account	NOUN
fsr-3910	30	20	,	,	PUNCT
fsr-3910	30	21	kolbe	kolbe	PROPN
fsr-3910	30	22	and	and	CCONJ
fsr-3910	30	23	stenholm	stenholm	NOUN
fsr-3910	30	24	would	would	AUX
fsr-3910	30	25	significantly	significantly	ADV
fsr-3910	30	26	reduce	reduce	VERB
fsr-3910	30	27	the	the	DET
fsr-3910	30	28	current	current	ADJ
fsr-3910	30	29	-	-	PUNCT
fsr-3910	30	30	law	law	NOUN
fsr-3910	30	31	defined	define	VERB
fsr-3910	30	32	benefit	benefit	NOUN
fsr-3910	30	33	.	.	PUNCT
fsr-3910	31	1	in	in	ADP
fsr-3910	31	2	order	order	NOUN
fsr-3910	31	3	to	to	PART
fsr-3910	31	4	protect	protect	VERB
fsr-3910	31	5	workers	worker	NOUN
fsr-3910	31	6	to	to	ADP
fsr-3910	31	7	some	some	DET
fsr-3910	31	8	extent	extent	NOUN
fsr-3910	31	9	from	from	ADP
fsr-3910	31	10	down	down	ADJ
fsr-3910	31	11	-	-	PUNCT
fsr-3910	31	12	side	side	NOUN
fsr-3910	31	13	investment	investment	NOUN
fsr-3910	31	14	risk	risk	NOUN
fsr-3910	31	15	,	,	PUNCT
fsr-3910	31	16	this	this	DET
fsr-3910	31	17	plan	plan	NOUN
fsr-3910	31	18	proposes	propose	VERB
fsr-3910	31	19	a	a	DET
fsr-3910	31	20	sliding	slide	VERB
fsr-3910	31	21	scale	scale	NOUN
fsr-3910	31	22	minimum	minimum	NOUN
fsr-3910	31	23	defined	define	VERB
fsr-3910	31	24	benefit	benefit	NOUN
fsr-3910	31	25	social	social	ADJ
fsr-3910	31	26	security	security	NOUN
fsr-3910	31	27	payment	payment	NOUN
fsr-3910	31	28	equal	equal	ADJ
fsr-3910	31	29	to	to	ADP
fsr-3910	31	30	60	60	NUM
fsr-3910	31	31	to	to	PART
fsr-3910	31	32	100	100	NUM
fsr-3910	31	33	%	%	NOUN
fsr-3910	31	34	of	of	ADP
fsr-3910	31	35	the	the	DET
fsr-3910	31	36	poverty	poverty	NOUN
fsr-3910	31	37	level	level	NOUN
fsr-3910	31	38	for	for	ADP
fsr-3910	31	39	retired	retire	VERB
fsr-3910	31	40	workers	worker	NOUN
fsr-3910	31	41	with	with	ADP
fsr-3910	31	42	between	between	ADP
fsr-3910	31	43	20	20	NUM
fsr-3910	31	44	and	and	CCONJ
fsr-3910	31	45	40	40	NUM
fsr-3910	31	46	years	year	NOUN
fsr-3910	31	47	of	of	ADP
fsr-3910	31	48	covered	covered	ADJ
fsr-3910	31	49	employment	employment	NOUN
fsr-3910	31	50	.	.	PUNCT
fsr-3910	32	1	for	for	ADP
fsr-3910	32	2	workers	worker	NOUN
fsr-3910	32	3	who	who	PRON
fsr-3910	32	4	want	want	VERB
fsr-3910	32	5	to	to	PART
fsr-3910	32	6	retire	retire	VERB
fsr-3910	32	7	with	with	ADP
fsr-3910	32	8	social	social	ADJ
fsr-3910	32	9	security	security	NOUN
fsr-3910	32	10	benefits	benefit	NOUN
fsr-3910	32	11	above	above	ADP
fsr-3910	32	12	the	the	DET
fsr-3910	32	13	poverty	poverty	NOUN
fsr-3910	32	14	level	level	NOUN
fsr-3910	32	15	,	,	PUNCT
fsr-3910	32	16	individual	individual	ADJ
fsr-3910	32	17	account	account	NOUN
fsr-3910	32	18	investment	investment	NOUN
fsr-3910	32	19	behavior	behavior	NOUN
fsr-3910	32	20	would	would	AUX
fsr-3910	32	21	be	be	AUX
fsr-3910	32	22	extremely	extremely	ADV
fsr-3910	32	23	important	important	ADJ
fsr-3910	32	24	to	to	PART
fsr-3910	32	25	total	total	VERB
fsr-3910	32	26	social	social	ADJ
fsr-3910	32	27	security	security	NOUN
fsr-3910	32	28	benefits	benefit	NOUN
fsr-3910	32	29	under	under	ADP
fsr-3910	32	30	the	the	DET
fsr-3910	32	31	kolbe	kolbe	NOUN
fsr-3910	32	32	-	-	PUNCT
fsr-3910	32	33	stenholm	stenholm	NOUN
fsr-3910	32	34	plan	plan	NOUN
fsr-3910	32	35	.	.	PUNCT
fsr-3910	33	1	66	66	NUM
fsr-3910	33	2	j.l	j.l	PROPN
fsr-3910	33	3	.	.	PROPN
fsr-3910	33	4	vanderhei	vanderhei	PROPN
fsr-3910	33	5	,	,	PUNCT
fsr-3910	33	6	k.a	k.a	PROPN
fsr-3910	33	7	.	.	PROPN
fsr-3910	33	8	olsen	olsen	PROPN
fsr-3910	33	9	/	/	SYM
fsr-3910	33	10	financial	financial	ADJ
fsr-3910	33	11	services	service	NOUN
fsr-3910	33	12	review	review	VERB
fsr-3910	33	13	9	9	NUM
fsr-3910	33	14	(	(	PUNCT
fsr-3910	33	15	2000	2000	NUM
fsr-3910	33	16	)	)	PUNCT
fsr-3910	33	17	65–78	65–78	NUM
fsr-3910	33	18	2.2	2.2	NUM
fsr-3910	33	19	.	.	PUNCT
fsr-3910	34	1	nick	nick	PROPN
fsr-3910	34	2	smith	smith	PROPN
fsr-3910	34	3	’s	’s	PART
fsr-3910	34	4	plan	plan	NOUN
fsr-3910	34	5	(	(	PUNCT
fsr-3910	34	6	1999	1999	NUM
fsr-3910	34	7	)	)	PUNCT
fsr-3910	34	8	like	like	ADP
fsr-3910	34	9	the	the	DET
fsr-3910	34	10	kolbe	kolbe	PROPN
fsr-3910	34	11	-	-	PUNCT
fsr-3910	34	12	stenholm	stenholm	NOUN
fsr-3910	34	13	plan	plan	NOUN
fsr-3910	34	14	,	,	PUNCT
fsr-3910	34	15	rep	rep	PROPN
fsr-3910	34	16	.	.	PROPN
fsr-3910	34	17	nick	nick	PROPN
fsr-3910	34	18	smith	smith	PROPN
fsr-3910	34	19	’s	’s	PART
fsr-3910	34	20	most	most	ADV
fsr-3910	34	21	recent	recent	ADJ
fsr-3910	34	22	plan	plan	NOUN
fsr-3910	34	23	(	(	PUNCT
fsr-3910	34	24	table	table	NOUN
fsr-3910	34	25	1	1	NUM
fsr-3910	34	26	)	)	PUNCT
fsr-3910	34	27	is	be	AUX
fsr-3910	34	28	the	the	DET
fsr-3910	34	29	quintessential	quintessential	ADJ
fsr-3910	34	30	“	"	PUNCT
fsr-3910	34	31	carve	carve	NOUN
fsr-3910	34	32	-	-	PUNCT
fsr-3910	34	33	out	out	ADP
fsr-3910	34	34	”	"	PUNCT
fsr-3910	34	35	plan	plan	NOUN
fsr-3910	34	36	,	,	PUNCT
fsr-3910	34	37	whereby	whereby	SCONJ
fsr-3910	34	38	a	a	DET
fsr-3910	34	39	percentage	percentage	NOUN
fsr-3910	34	40	of	of	ADP
fsr-3910	34	41	social	social	ADJ
fsr-3910	34	42	security	security	NOUN
fsr-3910	34	43	payroll	payroll	NOUN
fsr-3910	34	44	taxes	taxis	NOUN
fsr-3910	34	45	would	would	AUX
fsr-3910	34	46	be	be	AUX
fsr-3910	34	47	redirected	redirect	VERB
fsr-3910	34	48	to	to	ADP
fsr-3910	34	49	individual	individual	ADJ
fsr-3910	34	50	accounts	account	NOUN
fsr-3910	34	51	,	,	PUNCT
fsr-3910	34	52	and	and	CCONJ
fsr-3910	34	53	social	social	ADJ
fsr-3910	34	54	security	security	NOUN
fsr-3910	34	55	’s	’s	PART
fsr-3910	34	56	defined	define	VERB
fsr-3910	34	57	benefit	benefit	NOUN
fsr-3910	34	58	would	would	AUX
fsr-3910	34	59	be	be	AUX
fsr-3910	34	60	reduced	reduce	VERB
fsr-3910	34	61	so	so	SCONJ
fsr-3910	34	62	that	that	SCONJ
fsr-3910	34	63	it	it	PRON
fsr-3910	34	64	could	could	AUX
fsr-3910	34	65	be	be	AUX
fsr-3910	34	66	financed	finance	VERB
fsr-3910	34	67	with	with	ADP
fsr-3910	34	68	the	the	DET
fsr-3910	34	69	resulting	result	VERB
fsr-3910	34	70	(	(	PUNCT
fsr-3910	34	71	lower	low	ADJ
fsr-3910	34	72	)	)	PUNCT
fsr-3910	34	73	payroll	payroll	NOUN
fsr-3910	34	74	tax	tax	NOUN
fsr-3910	34	75	rate	rate	NOUN
fsr-3910	34	76	.	.	PUNCT
fsr-3910	35	1	under	under	ADP
fsr-3910	35	2	nick	nick	PROPN
fsr-3910	35	3	smith	smith	PROPN
fsr-3910	35	4	’s	’s	PART
fsr-3910	35	5	1999	1999	NUM
fsr-3910	35	6	plan	plan	NOUN
fsr-3910	35	7	,	,	PUNCT
fsr-3910	35	8	the	the	DET
fsr-3910	35	9	payroll	payroll	NOUN
fsr-3910	35	10	tax	tax	NOUN
fsr-3910	35	11	“	"	PUNCT
fsr-3910	35	12	carve	carve	NOUN
fsr-3910	35	13	-	-	PUNCT
fsr-3910	35	14	out	out	NOUN
fsr-3910	35	15	”	"	PUNCT
fsr-3910	35	16	would	would	AUX
fsr-3910	35	17	begin	begin	VERB
fsr-3910	35	18	at	at	ADP
fsr-3910	35	19	2.6	2.6	NUM
fsr-3910	35	20	percentage	percentage	NOUN
fsr-3910	35	21	points	point	NOUN
fsr-3910	35	22	from	from	ADP
fsr-3910	35	23	2001–2036	2001–2036	NUM
fsr-3910	35	24	.	.	PUNCT
fsr-3910	36	1	investment	investment	NOUN
fsr-3910	36	2	selection	selection	NOUN
fsr-3910	36	3	would	would	AUX
fsr-3910	36	4	be	be	AUX
fsr-3910	36	5	modeled	model	VERB
fsr-3910	36	6	on	on	ADP
fsr-3910	36	7	the	the	DET
fsr-3910	36	8	tsp	tsp	NOUN
fsr-3910	36	9	for	for	ADP
fsr-3910	36	10	smaller	small	ADJ
fsr-3910	36	11	account	account	NOUN
fsr-3910	36	12	balances	balance	NOUN
fsr-3910	36	13	.	.	PUNCT
fsr-3910	37	1	after	after	SCONJ
fsr-3910	37	2	account	account	NOUN
fsr-3910	37	3	assets	asset	NOUN
fsr-3910	37	4	had	have	AUX
fsr-3910	37	5	grown	grow	VERB
fsr-3910	37	6	to	to	ADP
fsr-3910	37	7	a	a	DET
fsr-3910	37	8	sufficient	sufficient	ADJ
fsr-3910	37	9	(	(	PUNCT
fsr-3910	37	10	to	to	PART
fsr-3910	37	11	-	-	PUNCT
fsr-3910	37	12	be	be	AUX
fsr-3910	37	13	-	-	PUNCT
fsr-3910	37	14	determined	determined	ADJ
fsr-3910	37	15	)	)	PUNCT
fsr-3910	37	16	size	size	NOUN
fsr-3910	37	17	,	,	PUNCT
fsr-3910	37	18	they	they	PRON
fsr-3910	37	19	could	could	AUX
fsr-3910	37	20	be	be	AUX
fsr-3910	37	21	transferred	transfer	VERB
fsr-3910	37	22	into	into	ADP
fsr-3910	37	23	an	an	DET
fsr-3910	37	24	ira	ira	PROPN
fsr-3910	37	25	type	type	NOUN
fsr-3910	37	26	of	of	ADP
fsr-3910	37	27	vehicle	vehicle	NOUN
fsr-3910	37	28	that	that	PRON
fsr-3910	37	29	would	would	AUX
fsr-3910	37	30	allow	allow	VERB
fsr-3910	37	31	for	for	ADP
fsr-3910	37	32	broader	broad	ADJ
fsr-3910	37	33	investment	investment	NOUN
fsr-3910	37	34	selections	selection	NOUN
fsr-3910	37	35	.	.	PUNCT
fsr-3910	38	1	at	at	ADP
fsr-3910	38	2	time	time	NOUN
fsr-3910	38	3	of	of	ADP
fsr-3910	38	4	benefit	benefit	NOUN
fsr-3910	38	5	claim	claim	NOUN
fsr-3910	38	6	,	,	PUNCT
fsr-3910	38	7	the	the	DET
fsr-3910	38	8	participant	participant	NOUN
fsr-3910	38	9	’s	’s	PART
fsr-3910	38	10	social	social	ADJ
fsr-3910	38	11	security	security	NOUN
fsr-3910	38	12	defined	define	VERB
fsr-3910	38	13	benefit	benefit	NOUN
fsr-3910	38	14	would	would	AUX
fsr-3910	38	15	be	be	AUX
fsr-3910	38	16	reduced	reduce	VERB
fsr-3910	38	17	by	by	ADP
fsr-3910	38	18	the	the	DET
fsr-3910	38	19	amount	amount	NOUN
fsr-3910	38	20	of	of	ADP
fsr-3910	38	21	his	his	PRON
fsr-3910	38	22	or	or	CCONJ
fsr-3910	38	23	her	her	PRON
fsr-3910	38	24	hypothetical	hypothetical	ADJ
fsr-3910	38	25	account	account	NOUN
fsr-3910	38	26	balance	balance	NOUN
fsr-3910	38	27	—	—	PUNCT
fsr-3910	38	28	not	not	PART
fsr-3910	38	29	actual	actual	ADJ
fsr-3910	38	30	account	account	NOUN
fsr-3910	38	31	balance	balance	NOUN
fsr-3910	38	32	.	.	PUNCT
fsr-3910	39	1	the	the	DET
fsr-3910	39	2	hypothetical	hypothetical	ADJ
fsr-3910	39	3	account	account	NOUN
fsr-3910	39	4	balance	balance	NOUN
fsr-3910	39	5	would	would	AUX
fsr-3910	39	6	be	be	AUX
fsr-3910	39	7	calculated	calculate	VERB
fsr-3910	39	8	using	use	VERB
fsr-3910	39	9	a	a	DET
fsr-3910	39	10	rate	rate	NOUN
fsr-3910	39	11	based	base	VERB
fsr-3910	39	12	on	on	ADP
fsr-3910	39	13	long	long	ADJ
fsr-3910	39	14	-	-	PUNCT
fsr-3910	39	15	term	term	NOUN
fsr-3910	39	16	u.s	u.s	PROPN
fsr-3910	39	17	.	.	PROPN
fsr-3910	39	18	bonds	bond	NOUN
fsr-3910	39	19	held	hold	VERB
fsr-3910	39	20	by	by	ADP
fsr-3910	39	21	the	the	DET
fsr-3910	39	22	public	public	NOUN
fsr-3910	39	23	,	,	PUNCT
fsr-3910	39	24	plus	plus	CCONJ
fsr-3910	39	25	0.7	0.7	NUM
fsr-3910	39	26	percentage	percentage	NOUN
fsr-3910	39	27	points	point	NOUN
fsr-3910	39	28	.	.	PUNCT
fsr-3910	40	1	under	under	ADP
fsr-3910	40	2	the	the	DET
fsr-3910	40	3	smith	smith	PROPN
fsr-3910	40	4	plan	plan	PROPN
fsr-3910	40	5	,	,	PUNCT
fsr-3910	40	6	participants	participant	NOUN
fsr-3910	40	7	’	'	PUNCT
fsr-3910	40	8	social	social	ADJ
fsr-3910	40	9	security	security	NOUN
fsr-3910	40	10	benefits	benefit	NOUN
fsr-3910	40	11	—	—	PUNCT
fsr-3910	40	12	which	which	PRON
fsr-3910	40	13	would	would	AUX
fsr-3910	40	14	be	be	AUX
fsr-3910	40	15	reduced	reduce	VERB
fsr-3910	40	16	from	from	ADP
fsr-3910	40	17	current	current	ADJ
fsr-3910	40	18	-	-	PUNCT
fsr-3910	40	19	law	law	NOUN
fsr-3910	40	20	levels	level	NOUN
fsr-3910	40	21	—	—	PUNCT
fsr-3910	40	22	would	would	AUX
fsr-3910	40	23	be	be	AUX
fsr-3910	40	24	further	far	ADV
fsr-3910	40	25	reduced	reduce	VERB
fsr-3910	40	26	by	by	ADP
fsr-3910	40	27	the	the	DET
fsr-3910	40	28	amount	amount	NOUN
fsr-3910	40	29	of	of	ADP
fsr-3910	40	30	benefits	benefit	NOUN
fsr-3910	40	31	that	that	PRON
fsr-3910	40	32	could	could	AUX
fsr-3910	40	33	be	be	AUX
fsr-3910	40	34	provided	provide	VERB
fsr-3910	40	35	by	by	ADP
fsr-3910	40	36	a	a	DET
fsr-3910	40	37	life	life	NOUN
fsr-3910	40	38	annuity	annuity	NOUN
fsr-3910	40	39	from	from	ADP
fsr-3910	40	40	the	the	DET
fsr-3910	40	41	hypothetical	hypothetical	ADJ
fsr-3910	40	42	account	account	NOUN
fsr-3910	40	43	balance	balance	NOUN
fsr-3910	40	44	.	.	PUNCT
fsr-3910	41	1	through	through	ADP
fsr-3910	41	2	the	the	DET
fsr-3910	41	3	combination	combination	NOUN
fsr-3910	41	4	of	of	ADP
fsr-3910	41	5	the	the	DET
fsr-3910	41	6	ia	ia	PROPN
fsr-3910	41	7	and	and	CCONJ
fsr-3910	41	8	the	the	DET
fsr-3910	41	9	defined	define	VERB
fsr-3910	41	10	benefit	benefit	NOUN
fsr-3910	41	11	,	,	PUNCT
fsr-3910	41	12	participants	participant	NOUN
fsr-3910	41	13	could	could	AUX
fsr-3910	41	14	receive	receive	VERB
fsr-3910	41	15	more	more	ADJ
fsr-3910	41	16	than	than	ADP
fsr-3910	41	17	the	the	DET
fsr-3910	41	18	scaled	scale	VERB
fsr-3910	41	19	-	-	PUNCT
fsr-3910	41	20	down	down	ADP
fsr-3910	41	21	social	social	ADJ
fsr-3910	41	22	security	security	NOUN
fsr-3910	41	23	defined	define	VERB
fsr-3910	41	24	benefit	benefit	NOUN
fsr-3910	41	25	(	(	PUNCT
fsr-3910	41	26	i.e.	i.e.	X
fsr-3910	41	27	,	,	PUNCT
fsr-3910	41	28	the	the	DET
fsr-3910	41	29	benefit	benefit	NOUN
fsr-3910	41	30	before	before	SCONJ
fsr-3910	41	31	the	the	DET
fsr-3910	41	32	hypothetical	hypothetical	ADJ
fsr-3910	41	33	annuity	annuity	NOUN
fsr-3910	41	34	is	be	AUX
fsr-3910	41	35	subtracted	subtract	VERB
fsr-3910	41	36	)	)	PUNCT
fsr-3910	41	37	if	if	SCONJ
fsr-3910	41	38	their	their	PRON
fsr-3910	41	39	actual	actual	ADJ
fsr-3910	41	40	ia	ia	NOUN
fsr-3910	41	41	returns	return	NOUN
fsr-3910	41	42	are	be	AUX
fsr-3910	41	43	greater	great	ADJ
fsr-3910	41	44	than	than	ADP
fsr-3910	41	45	the	the	DET
fsr-3910	41	46	return	return	NOUN
fsr-3910	41	47	used	use	VERB
fsr-3910	41	48	to	to	PART
fsr-3910	41	49	compute	compute	VERB
fsr-3910	41	50	their	their	PRON
fsr-3910	41	51	hypothetical	hypothetical	ADJ
fsr-3910	41	52	annuity	annuity	NOUN
fsr-3910	41	53	.	.	PUNCT
fsr-3910	42	1	on	on	ADP
fsr-3910	42	2	the	the	DET
fsr-3910	42	3	other	other	ADJ
fsr-3910	42	4	hand	hand	NOUN
fsr-3910	42	5	,	,	PUNCT
fsr-3910	42	6	they	they	PRON
fsr-3910	42	7	would	would	AUX
fsr-3910	42	8	receive	receive	VERB
fsr-3910	42	9	less	less	ADJ
fsr-3910	42	10	than	than	ADP
fsr-3910	42	11	the	the	DET
fsr-3910	42	12	scaled	scale	VERB
fsr-3910	42	13	-	-	PUNCT
fsr-3910	42	14	back	back	NOUN
fsr-3910	42	15	defined	define	VERB
fsr-3910	42	16	benefit	benefit	NOUN
fsr-3910	42	17	if	if	SCONJ
fsr-3910	42	18	their	their	PRON
fsr-3910	42	19	ia	ia	NOUN
fsr-3910	42	20	investments	investment	NOUN
fsr-3910	42	21	earned	earn	VERB
fsr-3910	42	22	less	less	ADJ
fsr-3910	42	23	than	than	ADP
fsr-3910	42	24	the	the	DET
fsr-3910	42	25	returns	return	NOUN
fsr-3910	42	26	used	use	VERB
fsr-3910	42	27	to	to	PART
fsr-3910	42	28	compute	compute	VERB
fsr-3910	42	29	the	the	DET
fsr-3910	42	30	hypothetical	hypothetical	ADJ
fsr-3910	42	31	annuity	annuity	NOUN
fsr-3910	42	32	.	.	PUNCT
fsr-3910	43	1	as	as	ADP
fsr-3910	43	2	a	a	DET
fsr-3910	43	3	result	result	NOUN
fsr-3910	43	4	,	,	PUNCT
fsr-3910	43	5	the	the	DET
fsr-3910	43	6	number	number	NOUN
fsr-3910	43	7	of	of	ADP
fsr-3910	43	8	individuals	individual	NOUN
fsr-3910	43	9	who	who	PRON
fsr-3910	43	10	might	might	AUX
fsr-3910	43	11	only	only	ADV
fsr-3910	43	12	invest	invest	VERB
fsr-3910	43	13	in	in	ADP
fsr-3910	43	14	long	long	ADJ
fsr-3910	43	15	-	-	PUNCT
fsr-3910	43	16	term	term	NOUN
fsr-3910	43	17	bonds	bond	NOUN
fsr-3910	43	18	and	and	CCONJ
fsr-3910	43	19	not	not	PART
fsr-3910	43	20	earn	earn	VERB
fsr-3910	43	21	on	on	ADP
fsr-3910	43	22	their	their	PRON
fsr-3910	43	23	assets	asset	NOUN
fsr-3910	43	24	the	the	DET
fsr-3910	43	25	additional	additional	ADJ
fsr-3910	43	26	0.7	0.7	NUM
fsr-3910	43	27	%	%	NOUN
fsr-3910	43	28	used	use	VERB
fsr-3910	43	29	to	to	PART
fsr-3910	43	30	compute	compute	VERB
fsr-3910	43	31	their	their	PRON
fsr-3910	43	32	hypothetical	hypothetical	ADJ
fsr-3910	43	33	annuity	annuity	NOUN
fsr-3910	43	34	for	for	ADP
fsr-3910	43	35	purposes	purpose	NOUN
fsr-3910	43	36	of	of	ADP
fsr-3910	43	37	reducing	reduce	VERB
fsr-3910	43	38	their	their	PRON
fsr-3910	43	39	defined	define	VERB
fsr-3910	43	40	benefit	benefit	NOUN
fsr-3910	43	41	from	from	ADP
fsr-3910	43	42	social	social	ADJ
fsr-3910	43	43	security	security	NOUN
fsr-3910	43	44	is	be	AUX
fsr-3910	43	45	of	of	ADP
fsr-3910	43	46	interest	interest	NOUN
fsr-3910	43	47	.	.	PUNCT
fsr-3910	44	1	in	in	ADP
fsr-3910	44	2	addition	addition	NOUN
fsr-3910	44	3	,	,	PUNCT
fsr-3910	44	4	the	the	DET
fsr-3910	44	5	number	number	NOUN
fsr-3910	44	6	of	of	ADP
fsr-3910	44	7	people	people	NOUN
fsr-3910	44	8	who	who	PRON
fsr-3910	44	9	would	would	AUX
fsr-3910	44	10	earn	earn	VERB
fsr-3910	44	11	returns	return	NOUN
fsr-3910	44	12	substantially	substantially	ADV
fsr-3910	44	13	higher	high	ADJ
fsr-3910	44	14	than	than	ADP
fsr-3910	44	15	the	the	DET
fsr-3910	44	16	long	long	ADJ
fsr-3910	44	17	-	-	PUNCT
fsr-3910	44	18	term	term	NOUN
fsr-3910	44	19	bond	bond	NOUN
fsr-3910	44	20	rate	rate	NOUN
fsr-3910	44	21	plus	plus	CCONJ
fsr-3910	44	22	0.7	0.7	NUM
fsr-3910	44	23	%	%	NOUN
fsr-3910	44	24	is	be	AUX
fsr-3910	44	25	a	a	DET
fsr-3910	44	26	behavioral	behavioral	ADJ
fsr-3910	44	27	assumption	assumption	NOUN
fsr-3910	44	28	of	of	ADP
fsr-3910	44	29	particular	particular	ADJ
fsr-3910	44	30	interest	interest	NOUN
fsr-3910	44	31	in	in	ADP
fsr-3910	44	32	assessing	assess	VERB
fsr-3910	44	33	the	the	DET
fsr-3910	44	34	distributional	distributional	ADJ
fsr-3910	44	35	outcome	outcome	NOUN
fsr-3910	44	36	under	under	ADP
fsr-3910	44	37	this	this	DET
fsr-3910	44	38	plan	plan	NOUN
fsr-3910	44	39	.	.	PUNCT
fsr-3910	45	1	2.3	2.3	NUM
fsr-3910	45	2	.	.	PUNCT
fsr-3910	46	1	moynihan	moynihan	PROPN
fsr-3910	46	2	-	-	PUNCT
fsr-3910	46	3	kerrey	kerrey	PROPN
fsr-3910	46	4	plan	plan	NOUN
fsr-3910	46	5	(	(	PUNCT
fsr-3910	46	6	1999	1999	NUM
fsr-3910	46	7	)	)	PUNCT
fsr-3910	46	8	this	this	DET
fsr-3910	46	9	plan	plan	NOUN
fsr-3910	46	10	permits	permit	VERB
fsr-3910	46	11	a	a	DET
fsr-3910	46	12	worker	worker	NOUN
fsr-3910	46	13	to	to	PART
fsr-3910	46	14	elect	elect	VERB
fsr-3910	46	15	individual	individual	ADJ
fsr-3910	46	16	account	account	NOUN
fsr-3910	46	17	contributions	contribution	NOUN
fsr-3910	46	18	equal	equal	ADJ
fsr-3910	46	19	to	to	ADP
fsr-3910	46	20	1	1	NUM
fsr-3910	46	21	%	%	NOUN
fsr-3910	46	22	of	of	ADP
fsr-3910	46	23	taxable	taxable	ADJ
fsr-3910	46	24	payroll	payroll	NOUN
fsr-3910	46	25	,	,	PUNCT
fsr-3910	46	26	which	which	PRON
fsr-3910	46	27	his	his	PRON
fsr-3910	46	28	or	or	CCONJ
fsr-3910	46	29	her	her	PRON
fsr-3910	46	30	employer	employer	NOUN
fsr-3910	46	31	would	would	AUX
fsr-3910	46	32	be	be	AUX
fsr-3910	46	33	required	require	VERB
fsr-3910	46	34	to	to	PART
fsr-3910	46	35	match	match	VERB
fsr-3910	46	36	(	(	PUNCT
fsr-3910	46	37	for	for	ADP
fsr-3910	46	38	a	a	DET
fsr-3910	46	39	total	total	NOUN
fsr-3910	46	40	of	of	ADP
fsr-3910	46	41	2	2	NUM
fsr-3910	46	42	%	%	NOUN
fsr-3910	46	43	of	of	ADP
fsr-3910	46	44	taxable	taxable	ADJ
fsr-3910	46	45	payroll	payroll	NOUN
fsr-3910	46	46	beyond	beyond	ADP
fsr-3910	46	47	the	the	DET
fsr-3910	46	48	payroll	payroll	NOUN
fsr-3910	46	49	tax	tax	NOUN
fsr-3910	46	50	specified	specify	VERB
fsr-3910	46	51	to	to	PART
fsr-3910	46	52	finance	finance	VERB
fsr-3910	46	53	the	the	DET
fsr-3910	46	54	plan	plan	NOUN
fsr-3910	46	55	’s	’s	PART
fsr-3910	46	56	reduced	reduce	VERB
fsr-3910	46	57	social	social	ADJ
fsr-3910	46	58	security	security	NOUN
fsr-3910	46	59	defined	define	VERB
fsr-3910	46	60	benefit	benefit	NOUN
fsr-3910	46	61	)	)	PUNCT
fsr-3910	46	62	(	(	PUNCT
fsr-3910	46	63	table	table	NOUN
fsr-3910	46	64	1	1	NUM
fsr-3910	46	65	)	)	PUNCT
fsr-3910	46	66	.	.	PUNCT
fsr-3910	47	1	a	a	DET
fsr-3910	47	2	wide	wide	ADJ
fsr-3910	47	3	range	range	NOUN
fsr-3910	47	4	of	of	ADP
fsr-3910	47	5	investments	investment	NOUN
fsr-3910	47	6	would	would	AUX
fsr-3910	47	7	be	be	AUX
fsr-3910	47	8	available	available	ADJ
fsr-3910	47	9	to	to	ADP
fsr-3910	47	10	workers	worker	NOUN
fsr-3910	47	11	who	who	PRON
fsr-3910	47	12	directed	direct	VERB
fsr-3910	47	13	their	their	PRON
fsr-3910	47	14	contributions	contribution	NOUN
fsr-3910	47	15	to	to	ADP
fsr-3910	47	16	an	an	DET
fsr-3910	47	17	ira	ira	PROPN
fsr-3910	47	18	or	or	CCONJ
fsr-3910	47	19	any	any	DET
fsr-3910	47	20	other	other	ADJ
fsr-3910	47	21	type	type	NOUN
fsr-3910	47	22	of	of	ADP
fsr-3910	47	23	voluntary	voluntary	ADJ
fsr-3910	47	24	investment	investment	NOUN
fsr-3910	47	25	account	account	NOUN
fsr-3910	47	26	,	,	PUNCT
fsr-3910	47	27	as	as	SCONJ
fsr-3910	47	28	determined	determine	VERB
fsr-3910	47	29	by	by	ADP
fsr-3910	47	30	the	the	DET
fsr-3910	47	31	secretary	secretary	PROPN
fsr-3910	47	32	of	of	ADP
fsr-3910	47	33	treasury	treasury	PROPN
fsr-3910	47	34	.	.	PUNCT
fsr-3910	48	1	other	other	ADJ
fsr-3910	48	2	workers	worker	NOUN
fsr-3910	48	3	could	could	AUX
fsr-3910	48	4	elect	elect	VERB
fsr-3910	48	5	to	to	PART
fsr-3910	48	6	contribute	contribute	VERB
fsr-3910	48	7	to	to	ADP
fsr-3910	48	8	a	a	DET
fsr-3910	48	9	voluntary	voluntary	ADJ
fsr-3910	48	10	investment	investment	NOUN
fsr-3910	48	11	fund	fund	NOUN
fsr-3910	48	12	that	that	PRON
fsr-3910	48	13	would	would	AUX
fsr-3910	48	14	provide	provide	VERB
fsr-3910	48	15	investment	investment	NOUN
fsr-3910	48	16	options	option	NOUN
fsr-3910	48	17	similar	similar	ADJ
fsr-3910	48	18	to	to	ADP
fsr-3910	48	19	those	those	PRON
fsr-3910	48	20	offered	offer	VERB
fsr-3910	48	21	to	to	ADP
fsr-3910	48	22	federal	federal	ADJ
fsr-3910	48	23	workers	worker	NOUN
fsr-3910	48	24	under	under	ADP
fsr-3910	48	25	their	their	PRON
fsr-3910	48	26	thrift	thrift	NOUN
fsr-3910	48	27	savings	saving	NOUN
fsr-3910	48	28	plan	plan	NOUN
fsr-3910	48	29	.	.	PUNCT
fsr-3910	49	1	the	the	DET
fsr-3910	49	2	individual	individual	ADJ
fsr-3910	49	3	accounts	account	NOUN
fsr-3910	49	4	would	would	AUX
fsr-3910	49	5	be	be	AUX
fsr-3910	49	6	exclusively	exclusively	ADV
fsr-3910	49	7	supplemental	supplemental	ADJ
fsr-3910	49	8	to	to	ADP
fsr-3910	49	9	the	the	DET
fsr-3910	49	10	social	social	ADJ
fsr-3910	49	11	security	security	NOUN
fsr-3910	49	12	defined	define	VERB
fsr-3910	49	13	benefit	benefit	NOUN
fsr-3910	49	14	in	in	ADP
fsr-3910	49	15	the	the	DET
fsr-3910	49	16	sense	sense	NOUN
fsr-3910	49	17	that	that	SCONJ
fsr-3910	49	18	participation	participation	NOUN
fsr-3910	49	19	is	be	AUX
fsr-3910	49	20	voluntary	voluntary	ADJ
fsr-3910	49	21	.	.	PUNCT
fsr-3910	50	1	on	on	ADP
fsr-3910	50	2	the	the	DET
fsr-3910	50	3	other	other	ADJ
fsr-3910	50	4	hand	hand	NOUN
fsr-3910	50	5	,	,	PUNCT
fsr-3910	50	6	these	these	DET
fsr-3910	50	7	accounts	account	NOUN
fsr-3910	50	8	could	could	AUX
fsr-3910	50	9	be	be	AUX
fsr-3910	50	10	considered	consider	VERB
fsr-3910	50	11	to	to	PART
fsr-3910	50	12	be	be	AUX
fsr-3910	50	13	a	a	DET
fsr-3910	50	14	partial	partial	ADJ
fsr-3910	50	15	replacement	replacement	NOUN
fsr-3910	50	16	for	for	ADP
fsr-3910	50	17	social	social	ADJ
fsr-3910	50	18	security	security	NOUN
fsr-3910	50	19	benefits	benefit	NOUN
fsr-3910	50	20	,	,	PUNCT
fsr-3910	50	21	since	since	SCONJ
fsr-3910	50	22	current	current	ADJ
fsr-3910	50	23	-	-	PUNCT
fsr-3910	50	24	law	law	NOUN
fsr-3910	50	25	social	social	ADJ
fsr-3910	50	26	security	security	NOUN
fsr-3910	50	27	benefits	benefit	NOUN
fsr-3910	50	28	would	would	AUX
fsr-3910	50	29	be	be	AUX
fsr-3910	50	30	reduced	reduce	VERB
fsr-3910	50	31	under	under	ADP
fsr-3910	50	32	the	the	DET
fsr-3910	50	33	moynihan	moynihan	PROPN
fsr-3910	50	34	-	-	PUNCT
fsr-3910	50	35	kerrey	kerrey	NOUN
fsr-3910	50	36	plan	plan	NOUN
fsr-3910	50	37	based	base	VERB
fsr-3910	50	38	on	on	ADP
fsr-3910	50	39	an	an	DET
fsr-3910	50	40	individual	individual	NOUN
fsr-3910	50	41	’s	’s	PART
fsr-3910	50	42	cohort	cohort	NOUN
fsr-3910	50	43	and	and	CCONJ
fsr-3910	50	44	other	other	ADJ
fsr-3910	50	45	characteristics	characteristic	NOUN
fsr-3910	50	46	.	.	PUNCT
fsr-3910	51	1	either	either	CCONJ
fsr-3910	51	2	67j.l	67j.l	PROPN
fsr-3910	51	3	.	.	PUNCT
fsr-3910	52	1	vanderhei	vanderhei	PROPN
fsr-3910	52	2	,	,	PUNCT
fsr-3910	52	3	k.a	k.a	PROPN
fsr-3910	52	4	.	.	PROPN
fsr-3910	52	5	olsen	olsen	PROPN
fsr-3910	52	6	/	/	SYM
fsr-3910	52	7	financial	financial	ADJ
fsr-3910	52	8	services	service	NOUN
fsr-3910	52	9	review	review	VERB
fsr-3910	52	10	9	9	NUM
fsr-3910	52	11	(	(	PUNCT
fsr-3910	52	12	2000	2000	NUM
fsr-3910	52	13	)	)	PUNCT
fsr-3910	52	14	65–78	65–78	PROPN
fsr-3910	53	1	t	t	X
fsr-3910	53	2	ab	ab	X
fsr-3910	53	3	le	le	PROPN
fsr-3910	53	4	1	1	PROPN
fsr-3910	53	5	s	s	PROPN
fsr-3910	53	6	el	el	PROPN
fsr-3910	53	7	ec	ec	PROPN
fsr-3910	53	8	te	te	PROPN
fsr-3910	53	9	d	d	PROPN
fsr-3910	53	10	in	in	ADP
fsr-3910	53	11	di	di	X
fsr-3910	53	12	vi	vi	PROPN
fsr-3910	53	13	du	du	PROPN
fsr-3910	53	14	al	al	PROPN
fsr-3910	53	15	ac	ac	PROPN
fsr-3910	53	16	co	co	PROPN
fsr-3910	53	17	un	un	PROPN
fsr-3910	53	18	t	t	PROPN
fsr-3910	53	19	po	po	PROPN
fsr-3910	53	20	lic	lic	PROPN
fsr-3910	53	21	y	y	PROPN
fsr-3910	53	22	op	op	NOUN
fsr-3910	53	23	tio	tio	NOUN
fsr-3910	53	24	ns	ns	NUM
fsr-3910	53	25	pr	pr	NOUN
fsr-3910	53	26	op	op	NOUN
fsr-3910	53	27	os	os	PROPN
fsr-3910	53	28	ed	ed	NOUN
fsr-3910	53	29	in	in	ADP
fsr-3910	53	30	19	19	NUM
fsr-3910	53	31	99	99	NUM
fsr-3910	53	32	p	p	NOUN
fsr-3910	53	33	la	la	PROPN
fsr-3910	53	34	n	n	PROPN
fsr-3910	53	35	s	s	AUX
fsr-3910	53	36	up	up	ADP
fsr-3910	53	37	pl	pl	X
fsr-3910	53	38	em	em	PRON
fsr-3910	53	39	en	en	ADV
fsr-3910	53	40	ts	ts	ADV
fsr-3910	53	41	or	or	CCONJ
fsr-3910	53	42	re	re	VERB
fsr-3910	53	43	pl	pl	AUX
fsr-3910	53	44	ac	ac	PROPN
fsr-3910	53	45	es	es	ADP
fsr-3910	53	46	a	a	DET
fsr-3910	53	47	po	po	NOUN
fsr-3910	53	48	rt	rt	PROPN
fsr-3910	53	49	io	io	PROPN
fsr-3910	53	50	n	n	PROPN
fsr-3910	53	51	of	of	ADP
fsr-3910	53	52	s	s	PRON
fsr-3910	53	53	oc	oc	PROPN
fsr-3910	53	54	ia	ia	PROPN
fsr-3910	53	55	l	l	PROPN
fsr-3910	53	56	s	s	PART
fsr-3910	53	57	ec	ec	PROPN
fsr-3910	53	58	ur	ur	NOUN
fsr-3910	53	59	ity	ity	PROPN
fsr-3910	53	60	?	?	PUNCT
fsr-3910	54	1	f	f	PROPN
fsr-3910	54	2	un	un	PROPN
fsr-3910	54	3	di	di	PROPN
fsr-3910	54	4	ng	ng	PROPN
fsr-3910	55	1	so	so	ADV
fsr-3910	55	2	ur	ur	PROPN
fsr-3910	55	3	ce	ce	PROPN
fsr-3910	55	4	in	in	ADP
fsr-3910	55	5	ve	ve	PROPN
fsr-3910	55	6	st	st	PROPN
fsr-3910	55	7	m	m	PROPN
fsr-3910	55	8	en	en	PROPN
fsr-3910	55	9	t	t	PROPN
fsr-3910	55	10	ch	ch	PROPN
fsr-3910	55	11	oi	oi	PROPN
fsr-3910	55	12	ce	ce	PROPN
fsr-3910	55	13	s	s	PROPN
fsr-3910	55	14	oc	oc	PROPN
fsr-3910	55	15	ia	ia	PROPN
fsr-3910	55	16	ls	ls	PROPN
fsr-3910	55	17	ec	ec	PROPN
fsr-3910	56	1	ur	ur	INTJ
fsr-3910	56	2	ity	ity	PROPN
fsr-3910	56	3	be	be	AUX
fsr-3910	56	4	ne	ne	ADP
fsr-3910	56	5	fit	fit	NOUN
fsr-3910	56	6	of	of	ADP
fsr-3910	56	7	fs	fs	ADP
fsr-3910	56	8	et	et	PROPN
fsr-3910	57	1	ba	ba	PROPN
fsr-3910	57	2	se	se	PROPN
fsr-3910	58	1	d	d	PROPN
fsr-3910	58	2	on	on	ADP
fsr-3910	58	3	ac	ac	PROPN
fsr-3910	58	4	co	co	PROPN
fsr-3910	58	5	un	un	PROPN
fsr-3910	58	6	t	t	PROPN
fsr-3910	58	7	ba	ba	PROPN
fsr-3910	58	8	la	la	PROPN
fsr-3910	58	9	nc	nc	PROPN
fsr-3910	58	10	e	e	PROPN
fsr-3910	58	11	?	?	PUNCT
fsr-3910	59	1	m	m	AUX
fsr-3910	59	2	in	in	AUX
fsr-3910	59	3	i	i	PRON
fsr-3910	59	4	m	m	VERB
fsr-3910	59	5	um	um	INTJ
fsr-3910	59	6	be	be	AUX
fsr-3910	59	7	ne	ne	PROPN
fsr-3910	59	8	fit	fit	PROPN
fsr-3910	59	9	gu	gu	PROPN
fsr-3910	59	10	ar	ar	PROPN
fsr-3910	59	11	an	an	DET
fsr-3910	59	12	te	te	PROPN
fsr-3910	59	13	e	e	NOUN
fsr-3910	59	14	be	be	AUX
fsr-3910	59	15	yo	yo	INTJ
fsr-3910	59	16	nd	nd	NOUN
fsr-3910	59	17	s	s	NOUN
fsr-3910	59	18	oc	oc	AUX
fsr-3910	59	19	ia	ia	PROPN
fsr-3910	59	20	l	l	PROPN
fsr-3910	59	21	s	s	PART
fsr-3910	59	22	ec	ec	PROPN
fsr-3910	59	23	ur	ur	INTJ
fsr-3910	59	24	ity	ity	PROPN
fsr-3910	59	25	de	de	X
fsr-3910	59	26	fin	fin	PROPN
fsr-3910	59	27	ed	ed	NOUN
fsr-3910	59	28	be	be	AUX
fsr-3910	59	29	ne	ne	X
fsr-3910	59	30	fit	fit	ADJ
fsr-3910	59	31	?	?	PUNCT
fsr-3910	60	1	r	r	NOUN
fsr-3910	60	2	ep	ep	PROPN
fsr-3910	60	3	s.	s.	PROPN
fsr-3910	61	1	ji	ji	PROPN
fsr-3910	61	2	m	m	PROPN
fsr-3910	61	3	k	k	ADJ
fsr-3910	61	4	ol	ol	ADJ
fsr-3910	61	5	be	be	AUX
fsr-3910	61	6	(	(	PUNCT
fsr-3910	61	7	r	r	NOUN
fsr-3910	61	8	.	.	PUNCT
fsr-3910	61	9	,	,	PUNCT
fsr-3910	61	10	a	a	DET
fsr-3910	61	11	z	z	NOUN
fsr-3910	61	12	)	)	PUNCT
fsr-3910	62	1	an	an	PRON
fsr-3910	63	1	d	d	X
fsr-3910	63	2	c	c	VERB
fsr-3910	63	3	ha	ha	INTJ
fsr-3910	63	4	rle	rle	PROPN
fsr-3910	63	5	s	s	X
fsr-3910	63	6	s	s	X
fsr-3910	63	7	te	te	PROPN
fsr-3910	63	8	nh	nh	PROPN
fsr-3910	63	9	ol	ol	PROPN
fsr-3910	63	10	m	m	PROPN
fsr-3910	63	11	(	(	PUNCT
fsr-3910	63	12	d	d	PROPN
fsr-3910	63	13	.	.	PUNCT
fsr-3910	63	14	,	,	PUNCT
fsr-3910	63	15	t	t	PROPN
fsr-3910	63	16	x	x	SYM
fsr-3910	63	17	)	)	PUNCT
fsr-3910	63	18	(	(	PUNCT
fsr-3910	63	19	m	m	VERB
fsr-3910	63	20	ay	ay	PROPN
fsr-3910	63	21	19	19	NUM
fsr-3910	63	22	99	99	NUM
fsr-3910	63	23	p	p	NOUN
fsr-3910	63	24	ro	ro	X
fsr-3910	63	25	po	po	PROPN
fsr-3910	63	26	sa	sa	PROPN
fsr-3910	63	27	l)r	l)r	PROPN
fsr-3910	63	28	ep	ep	PROPN
fsr-3910	63	29	la	la	PROPN
fsr-3910	63	30	ce	ce	PROPN
fsr-3910	63	31	s	s	PROPN
fsr-3910	63	32	m	m	PROPN
fsr-3910	63	33	an	an	DET
fsr-3910	63	34	da	da	NOUN
fsr-3910	63	35	to	to	ADP
fsr-3910	63	36	ry	ry	PROPN
fsr-3910	63	37	2	2	NUM
fsr-3910	63	38	pe	pe	PROPN
fsr-3910	63	39	rc	rc	PROPN
fsr-3910	63	40	en	en	X
fsr-3910	63	41	ta	ta	PROPN
fsr-3910	63	42	ge	ge	PROPN
fsr-3910	63	43	po	po	PROPN
fsr-3910	63	44	in	in	ADP
fsr-3910	63	45	ts	ts	ADP
fsr-3910	63	46	of	of	ADP
fsr-3910	63	47	s	s	PRON
fsr-3910	63	48	oc	oc	PROPN
fsr-3910	63	49	ia	ia	PROPN
fsr-3910	63	50	ls	ls	PROPN
fsr-3910	63	51	ec	ec	PROPN
fsr-3910	63	52	ur	ur	INTJ
fsr-3910	63	53	ity	ity	PROPN
fsr-3910	63	54	pa	pa	PROPN
fsr-3910	63	55	yr	yr	PROPN
fsr-3910	63	56	ol	ol	PROPN
fsr-3910	63	57	lt	lt	PROPN
fsr-3910	63	58	ax	ax	PROPN
fsr-3910	63	59	w	w	PROPN
fsr-3910	63	60	ith	ith	PROPN
fsr-3910	63	61	sc	sc	PROPN
fsr-3910	63	62	al	al	PROPN
fsr-3910	63	63	ed	ed	PROPN
fsr-3910	63	64	m	m	VERB
fsr-3910	63	65	at	at	ADP
fsr-3910	63	66	ch	ch	NOUN
fsr-3910	63	67	in	in	ADP
fsr-3910	63	68	g	g	PROPN
fsr-3910	63	69	co	co	PROPN
fsr-3910	63	70	nt	nt	PROPN
fsr-3910	63	71	rib	rib	PROPN
fsr-3910	63	72	ut	ut	PROPN
fsr-3910	63	73	io	io	PROPN
fsr-3910	64	1	ns	ns	INTJ
fsr-3910	64	2	fo	fo	INTJ
fsr-3910	65	1	r	r	NOUN
fsr-3910	65	2	lo	lo	PROPN
fsr-3910	65	3	w	w	PROPN
fsr-3910	65	4	-in	-in	PROPN
fsr-3910	65	5	co	co	NOUN
fsr-3910	65	6	m	m	PROPN
fsr-3910	65	7	e	e	NOUN
fsr-3910	65	8	w	w	NOUN
fsr-3910	65	9	or	or	CCONJ
fsr-3910	65	10	ke	ke	NOUN
fsr-3910	65	11	rs	r	NOUN
fsr-3910	65	12	on	on	ADP
fsr-3910	65	13	vo	vo	INTJ
fsr-3910	65	14	lu	lu	PROPN
fsr-3910	65	15	nt	not	PART
fsr-3910	65	16	ar	ar	VERB
fsr-3910	65	17	ya	ya	PROPN
fsr-3910	65	18	co	co	PROPN
fsr-3910	65	19	nt	nt	PROPN
fsr-3910	65	20	rib	rib	PROPN
fsr-3910	65	21	ut	ut	PROPN
fsr-3910	65	22	io	io	PROPN
fsr-3910	65	23	ns	ns	PROPN
fsr-3910	65	24	li	li	PROPN
fsr-3910	65	25	m	m	PROPN
fsr-3910	65	26	ite	ite	PROPN
fsr-3910	66	1	d	d	PROPN
fsr-3910	66	2	ch	ch	PROPN
fsr-3910	66	3	oi	oi	PROPN
fsr-3910	66	4	ce	ce	PROPN
fsr-3910	66	5	s	s	PROPN
fsr-3910	66	6	,	,	PUNCT
fsr-3910	66	7	su	su	PROPN
fsr-3910	66	8	ch	ch	PROPN
fsr-3910	66	9	as	as	ADP
fsr-3910	66	10	th	th	X
fsr-3910	66	11	os	os	NOUN
fsr-3910	66	12	e	e	X
fsr-3910	66	13	av	av	PROPN
fsr-3910	66	14	ai	ai	VERB
fsr-3910	66	15	la	la	ADV
fsr-3910	66	16	bl	bl	ADP
fsr-3910	66	17	e	e	NOUN
fsr-3910	66	18	to	to	ADP
fsr-3910	66	19	fe	fe	X
fsr-3910	66	20	de	de	X
fsr-3910	66	21	ra	ra	PROPN
fsr-3910	66	22	l	l	PROPN
fsr-3910	66	23	w	w	PROPN
fsr-3910	66	24	or	or	CCONJ
fsr-3910	66	25	ke	ke	PROPN
fsr-3910	66	26	rsb	rsb	PROPN
fsr-3910	66	27	n	n	CCONJ
fsr-3910	66	28	o	o	X
fsr-3910	66	29	y	y	NOUN
fsr-3910	66	30	es	es	PROPN
fsr-3910	66	31	,	,	PUNCT
fsr-3910	66	32	be	be	AUX
fsr-3910	66	33	tw	tw	INTJ
fsr-3910	66	34	ee	ee	ADP
fsr-3910	66	35	n	n	PROPN
fsr-3910	66	36	60	60	NUM
fsr-3910	66	37	an	an	DET
fsr-3910	66	38	d	d	PROPN
fsr-3910	66	39	10	10	NUM
fsr-3910	66	40	0	0	NUM
fsr-3910	66	41	pe	pe	PROPN
fsr-3910	66	42	rc	rc	PROPN
fsr-3910	66	43	en	en	PROPN
fsr-3910	66	44	t	t	PROPN
fsr-3910	66	45	of	of	ADP
fsr-3910	66	46	po	po	PROPN
fsr-3910	66	47	ve	ve	VERB
fsr-3910	66	48	rt	rt	PROPN
fsr-3910	66	49	y	y	PROPN
fsr-3910	66	50	le	le	X
fsr-3910	66	51	ve	ve	PROPN
fsr-3910	66	52	l	l	NOUN
fsr-3910	66	53	,	,	PUNCT
fsr-3910	66	54	de	de	X
fsr-3910	66	55	pe	pe	X
fsr-3910	66	56	nd	nd	INTJ
fsr-3910	66	57	in	in	ADP
fsr-3910	66	58	g	g	PROPN
fsr-3910	66	59	on	on	ADP
fsr-3910	66	60	ye	ye	NUM
fsr-3910	66	61	ar	ar	PROPN
fsr-3910	66	62	s	s	PROPN
fsr-3910	66	63	of	of	ADP
fsr-3910	66	64	w	w	NOUN
fsr-3910	66	65	or	or	CCONJ
fsr-3910	66	66	k	k	PROPN
fsr-3910	66	67	r	r	NOUN
fsr-3910	66	68	ep	ep	PROPN
fsr-3910	66	69	.	.	PUNCT
fsr-3910	67	1	n	n	CCONJ
fsr-3910	68	1	ic	ic	PROPN
fsr-3910	69	1	k	k	PROPN
fsr-3910	69	2	s	s	PROPN
fsr-3910	69	3	m	m	VERB
fsr-3910	69	4	ith	ith	NOUN
fsr-3910	69	5	(	(	PUNCT
fsr-3910	69	6	r	r	NOUN
fsr-3910	69	7	.	.	PUNCT
fsr-3910	69	8	,	,	PUNCT
fsr-3910	69	9	m	m	VERB
fsr-3910	69	10	i	i	VERB
fsr-3910	69	11	)	)	PUNCT
fsr-3910	69	12	c	c	PROPN
fsr-3910	69	13	r	r	NOUN
fsr-3910	69	14	ep	ep	PROPN
fsr-3910	69	15	la	la	PROPN
fsr-3910	69	16	ce	ce	PROPN
fsr-3910	69	17	s	s	PROPN
fsr-3910	69	18	m	m	PROPN
fsr-3910	69	19	an	an	DET
fsr-3910	69	20	da	da	NOUN
fsr-3910	69	21	to	to	PART
fsr-3910	69	22	ry	ry	VERB
fsr-3910	69	23	in	in	ADP
fsr-3910	69	24	di	di	X
fsr-3910	69	25	vi	vi	PROPN
fsr-3910	69	26	du	du	PROPN
fsr-3910	69	27	al	al	PROPN
fsr-3910	69	28	ac	ac	PROPN
fsr-3910	70	1	co	co	PROPN
fsr-3910	70	2	un	un	PROPN
fsr-3910	70	3	t	t	PROPN
fsr-3910	70	4	co	co	PROPN
fsr-3910	70	5	nt	nt	PROPN
fsr-3910	70	6	rib	rib	PROPN
fsr-3910	70	7	ut	ut	PROPN
fsr-3910	70	8	io	io	PROPN
fsr-3910	70	9	ns	ns	PROPN
fsr-3910	70	10	eq	eq	PROPN
fsr-3910	70	11	ua	ua	PROPN
fsr-3910	70	12	lt	lt	PROPN
fsr-3910	70	13	o	o	PROPN
fsr-3910	70	14	2	2	NUM
fsr-3910	70	15	.	.	NOUN
fsr-3910	70	16	6	6	NUM
fsr-3910	70	17	pe	pe	NOUN
fsr-3910	70	18	rc	rc	PROPN
fsr-3910	70	19	en	en	PROPN
fsr-3910	70	20	t	t	PROPN
fsr-3910	70	21	of	of	ADP
fsr-3910	70	22	ta	ta	PROPN
fsr-3910	70	23	xa	xa	PROPN
fsr-3910	70	24	bl	bl	PROPN
fsr-3910	71	1	e	e	PROPN
fsr-3910	71	2	pa	pa	PROPN
fsr-3910	71	3	yr	yr	PROPN
fsr-3910	71	4	ol	ol	PROPN
fsr-3910	72	1	lf	lf	PROPN
fsr-3910	72	2	ro	ro	PROPN
fsr-3910	72	3	m	m	PROPN
fsr-3910	72	4	20	20	NUM
fsr-3910	72	5	01	01	NUM
fsr-3910	72	6	-3	-3	SYM
fsr-3910	72	7	6d	6d	NUM
fsr-3910	72	8	li	li	PROPN
fsr-3910	72	9	m	m	PROPN
fsr-3910	72	10	ite	ite	PROPN
fsr-3910	73	1	d	d	PROPN
fsr-3910	73	2	ch	ch	PROPN
fsr-3910	73	3	oi	oi	PROPN
fsr-3910	73	4	ce	ce	PROPN
fsr-3910	73	5	s	s	PROPN
fsr-3910	73	6	,	,	PUNCT
fsr-3910	73	7	su	su	PROPN
fsr-3910	73	8	ch	ch	PROPN
fsr-3910	73	9	as	as	ADP
fsr-3910	73	10	th	th	X
fsr-3910	73	11	os	os	NOUN
fsr-3910	73	12	e	e	X
fsr-3910	73	13	av	av	PROPN
fsr-3910	73	14	ai	ai	VERB
fsr-3910	73	15	la	la	ADV
fsr-3910	73	16	bl	bl	ADP
fsr-3910	73	17	e	e	NOUN
fsr-3910	73	18	to	to	ADP
fsr-3910	73	19	fe	fe	X
fsr-3910	73	20	de	de	X
fsr-3910	73	21	ra	ra	PROPN
fsr-3910	73	22	l	l	PROPN
fsr-3910	73	23	w	w	PROPN
fsr-3910	73	24	or	or	CCONJ
fsr-3910	73	25	ke	ke	PROPN
fsr-3910	73	26	rs	rs	PROPN
fsr-3910	73	27	un	un	PROPN
fsr-3910	73	28	til	til	PROPN
fsr-3910	73	29	ac	ac	PROPN
fsr-3910	73	30	co	co	PROPN
fsr-3910	73	31	un	un	PROPN
fsr-3910	73	32	ts	ts	AUX
fsr-3910	73	33	be	be	AUX
fsr-3910	73	34	co	co	VERB
fsr-3910	73	35	m	m	PROPN
fsr-3910	73	36	e	e	NOUN
fsr-3910	73	37	la	la	X
fsr-3910	73	38	rg	rg	PROPN
fsr-3910	73	39	e	e	PROPN
fsr-3910	73	40	en	en	X
fsr-3910	73	41	ou	ou	ADP
fsr-3910	73	42	gh	gh	PROPN
fsr-3910	73	43	to	to	ADP
fsr-3910	73	44	tr	tr	VERB
fsr-3910	73	45	an	an	DET
fsr-3910	73	46	sf	sf	NOUN
fsr-3910	73	47	er	er	INTJ
fsr-3910	73	48	in	in	ADP
fsr-3910	73	49	to	to	ADP
fsr-3910	73	50	an	an	DET
fsr-3910	73	51	ir	ir	NOUN
fsr-3910	73	52	a	a	DET
fsr-3910	73	53	ve	ve	NOUN
fsr-3910	73	54	hi	hi	INTJ
fsr-3910	73	55	cl	cl	NOUN
fsr-3910	73	56	e	e	PROPN
fsr-3910	73	57	w	w	NOUN
fsr-3910	73	58	ith	ith	PROPN
fsr-3910	73	59	br	br	PROPN
fsr-3910	73	60	oa	oa	PROPN
fsr-3910	73	61	de	de	PROPN
fsr-3910	73	62	r	r	NOUN
fsr-3910	73	63	in	in	ADP
fsr-3910	73	64	ve	ve	PROPN
fsr-3910	73	65	st	st	PROPN
fsr-3910	73	66	m	m	PROPN
fsr-3910	73	67	en	en	PROPN
fsr-3910	73	68	t	t	PROPN
fsr-3910	73	69	ch	ch	PROPN
fsr-3910	73	70	oi	oi	PROPN
fsr-3910	73	71	ce	ce	PROPN
fsr-3910	73	72	s	s	PROPN
fsr-3910	73	73	y	y	PROPN
fsr-3910	73	74	es	es	X
fsr-3910	73	75	,	,	PUNCT
fsr-3910	73	76	de	de	X
fsr-3910	73	77	fin	fin	NOUN
fsr-3910	73	78	ed	ed	NOUN
fsr-3910	73	79	be	be	AUX
fsr-3910	73	80	ne	ne	ADP
fsr-3910	73	81	fit	fit	PROPN
fsr-3910	73	82	is	be	AUX
fsr-3910	73	83	re	re	VERB
fsr-3910	73	84	du	du	PROPN
fsr-3910	73	85	ce	ce	PROPN
fsr-3910	73	86	d	d	PROPN
fsr-3910	73	87	by	by	ADP
fsr-3910	73	88	th	th	ADP
fsr-3910	73	89	e	e	NOUN
fsr-3910	73	90	am	be	AUX
fsr-3910	73	91	ou	ou	ADP
fsr-3910	73	92	nt	not	PART
fsr-3910	73	93	of	of	ADP
fsr-3910	73	94	ac	ac	PROPN
fsr-3910	73	95	co	co	PROPN
fsr-3910	73	96	un	un	PROPN
fsr-3910	73	97	t	t	PROPN
fsr-3910	73	98	co	co	PROPN
fsr-3910	73	99	nt	nt	PROPN
fsr-3910	73	100	rib	rib	PROPN
fsr-3910	73	101	ut	ut	PROPN
fsr-3910	73	102	io	io	PROPN
fsr-3910	73	103	ns	ns	PROPN
fsr-3910	73	104	,	,	PUNCT
fsr-3910	73	105	ac	ac	PROPN
fsr-3910	73	106	cu	cu	PROPN
fsr-3910	73	107	m	m	PROPN
fsr-3910	73	108	ul	ul	PROPN
fsr-3910	73	109	at	at	ADP
fsr-3910	73	110	ed	ed	PROPN
fsr-3910	73	111	hy	hy	PROPN
fsr-3910	73	112	po	po	X
fsr-3910	73	113	th	th	X
fsr-3910	73	114	et	et	X
fsr-3910	73	115	ic	ic	PROPN
fsr-3910	73	116	al	al	PROPN
fsr-3910	73	117	ly	ly	X
fsr-3910	73	118	at	at	ADP
fsr-3910	73	119	a	a	DET
fsr-3910	73	120	ra	ra	NOUN
fsr-3910	73	121	te	te	ADP
fsr-3910	73	122	ba	ba	PROPN
fsr-3910	73	123	se	se	PROPN
fsr-3910	74	1	d	d	PROPN
fsr-3910	74	2	on	on	ADP
fsr-3910	74	3	lo	lo	PROPN
fsr-3910	74	4	ng	ng	PROPN
fsr-3910	75	1	-t	-t	INTJ
fsr-3910	75	2	er	er	INTJ
fsr-3910	75	3	m	m	VERB
fsr-3910	75	4	u	u	NOUN
fsr-3910	75	5	.s	.s	NOUN
fsr-3910	75	6	.	.	PUNCT
fsr-3910	76	1	bo	bo	PROPN
fsr-3910	77	1	nd	nd	ADV
fsr-3910	77	2	s	s	VERB
fsr-3910	77	3	he	he	PRON
fsr-3910	77	4	ld	ld	PROPN
fsr-3910	77	5	by	by	ADP
fsr-3910	77	6	th	th	ADP
fsr-3910	77	7	e	e	X
fsr-3910	77	8	pu	pu	PROPN
fsr-3910	77	9	bl	bl	PROPN
fsr-3910	78	1	ic	ic	PROPN
fsr-3910	78	2	pl	pl	VERB
fsr-3910	78	3	us	we	PRON
fsr-3910	78	4	0	0	NUM
fsr-3910	78	5	.	.	PROPN
fsr-3910	78	6	7	7	NUM
fsr-3910	79	1	n	n	NUM
fsr-3910	79	2	ot	ot	INTJ
fsr-3910	79	3	ap	ap	PROPN
fsr-3910	79	4	pl	pl	PROPN
fsr-3910	79	5	ic	ic	PROPN
fsr-3910	79	6	ab	ab	PROPN
fsr-3910	79	7	le	le	PROPN
fsr-3910	79	8	,	,	PUNCT
fsr-3910	79	9	si	si	PROPN
fsr-3910	79	10	nc	nc	PROPN
fsr-3910	79	11	e	e	PROPN
fsr-3910	79	12	de	de	X
fsr-3910	79	13	fin	fin	PROPN
fsr-3910	79	14	ed	ed	NOUN
fsr-3910	79	15	be	be	AUX
fsr-3910	79	16	ne	ne	X
fsr-3910	79	17	fit	fit	PROPN
fsr-3910	79	18	pa	pa	PROPN
fsr-3910	79	19	i	i	PROPN
fsr-3910	79	20	d	d	PROPN
fsr-3910	79	21	to	to	PART
fsr-3910	79	22	in	in	ADP
fsr-3910	79	23	di	di	X
fsr-3910	79	24	vi	vi	PROPN
fsr-3910	79	25	du	du	PROPN
fsr-3910	79	26	al	al	PROPN
fsr-3910	79	27	de	de	PROPN
fsr-3910	79	28	pe	pe	PROPN
fsr-3910	79	29	nd	nd	NOUN
fsr-3910	79	30	s	s	X
fsr-3910	79	31	on	on	ADP
fsr-3910	79	32	hy	hy	PROPN
fsr-3910	79	33	po	po	X
fsr-3910	79	34	th	th	X
fsr-3910	79	35	et	et	X
fsr-3910	79	36	ic	ic	PROPN
fsr-3910	79	37	al	al	PROPN
fsr-3910	79	38	in	in	ADP
fsr-3910	79	39	di	di	PROPN
fsr-3910	79	40	vi	vi	PROPN
fsr-3910	79	41	du	du	PROPN
fsr-3910	79	42	al	al	PROPN
fsr-3910	79	43	ac	ac	PROPN
fsr-3910	79	44	co	co	PROPN
fsr-3910	79	45	un	un	PROPN
fsr-3910	79	46	t	t	PROPN
fsr-3910	79	47	ba	ba	PROPN
fsr-3910	79	48	la	la	PROPN
fsr-3910	79	49	nc	nc	PROPN
fsr-3910	79	50	e	e	PROPN
fsr-3910	79	51	pe	pe	PROPN
fsr-3910	79	52	rc	rc	PROPN
fsr-3910	79	53	en	en	X
fsr-3910	79	54	ta	ta	PROPN
fsr-3910	79	55	ge	ge	PROPN
fsr-3910	79	56	po	po	PROPN
fsr-3910	79	57	in	in	ADP
fsr-3910	79	58	ts	ts	X
fsr-3910	79	59	.	.	PUNCT
fsr-3910	80	1	p	p	X
fsr-3910	80	2	ar	ar	PROPN
fsr-3910	80	3	tic	tic	PROPN
fsr-3910	80	4	ip	ip	NOUN
fsr-3910	80	5	an	an	DET
fsr-3910	80	6	ts	ts	NOUN
fsr-3910	80	7	ca	ca	NOUN
fsr-3910	80	8	n	n	ADV
fsr-3910	80	9	re	re	VERB
fsr-3910	80	10	ce	ce	PROPN
fsr-3910	80	11	iv	iv	NUM
fsr-3910	80	12	e	e	PROPN
fsr-3910	80	13	ad	ad	NOUN
fsr-3910	80	14	di	di	NOUN
fsr-3910	80	15	tio	tio	NOUN
fsr-3910	80	16	na	na	INTJ
fsr-3910	80	17	lb	lb	NUM
fsr-3910	80	18	en	en	PROPN
fsr-3910	80	19	efi	efi	NOUN
fsr-3910	80	20	ts	ts	X
fsr-3910	80	21	if	if	SCONJ
fsr-3910	80	22	in	in	ADP
fsr-3910	80	23	di	di	X
fsr-3910	80	24	vi	vi	PROPN
fsr-3910	80	25	du	du	PROPN
fsr-3910	80	26	al	al	PROPN
fsr-3910	80	27	ac	ac	PROPN
fsr-3910	80	28	co	co	PROPN
fsr-3910	80	29	un	un	PROPN
fsr-3910	80	30	t	t	PROPN
fsr-3910	80	31	re	re	PROPN
fsr-3910	80	32	tu	tu	PROPN
fsr-3910	80	33	rn	rn	PROPN
fsr-3910	80	34	s	s	PROPN
fsr-3910	80	35	ex	ex	X
fsr-3910	80	36	ce	ce	PROPN
fsr-3910	80	37	ed	ed	NOUN
fsr-3910	80	38	th	th	PROPN
fsr-3910	80	39	os	os	NOUN
fsr-3910	81	1	e	e	VERB
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fsr-3910	81	5	co	co	VERB
fsr-3910	81	6	m	m	PROPN
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fsr-3910	81	9	th	th	X
fsr-3910	81	10	e	e	X
fsr-3910	81	11	hy	hy	X
fsr-3910	81	12	po	po	X
fsr-3910	81	13	th	th	X
fsr-3910	81	14	et	et	NOUN
fsr-3910	81	15	ic	ic	PROPN
fsr-3910	81	16	al	al	PROPN
fsr-3910	81	17	ba	ba	PROPN
fsr-3910	81	18	la	la	PROPN
fsr-3910	81	19	nc	nc	PROPN
fsr-3910	81	20	e.	e.	PROPN
fsr-3910	81	21	s	s	PROPN
fsr-3910	81	22	en	en	ADP
fsr-3910	81	23	s.	s.	PROPN
fsr-3910	81	24	d	d	PROPN
fsr-3910	81	25	an	an	DET
fsr-3910	81	26	ie	ie	X
fsr-3910	81	27	lp	lp	NOUN
fsr-3910	81	28	at	at	ADP
fsr-3910	81	29	ric	ric	PROPN
fsr-3910	81	30	k	k	PROPN
fsr-3910	81	31	m	m	VERB
fsr-3910	81	32	oy	oy	PROPN
fsr-3910	81	33	ni	ni	PROPN
fsr-3910	81	34	ha	ha	INTJ
fsr-3910	81	35	n	n	PROPN
fsr-3910	81	36	(	(	PUNCT
fsr-3910	81	37	d	d	X
fsr-3910	81	38	-n	-n	X
fsr-3910	81	39	y	y	PROPN
fsr-3910	81	40	)	)	PUNCT
fsr-3910	82	1	an	an	PRON
fsr-3910	82	2	d	d	PROPN
fsr-3910	82	3	b	b	PROPN
fsr-3910	82	4	ob	ob	X
fsr-3910	83	1	k	k	PROPN
fsr-3910	83	2	er	er	INTJ
fsr-3910	83	3	re	re	VERB
fsr-3910	83	4	y	y	PROPN
fsr-3910	83	5	(	(	PUNCT
fsr-3910	83	6	d	d	PROPN
fsr-3910	83	7	-n	-n	X
fsr-3910	83	8	eb	eb	PROPN
fsr-3910	83	9	)	)	PUNCT
fsr-3910	84	1	e	e	PROPN
fsr-3910	84	2	a	a	X
fsr-3910	84	3	rg	rg	X
fsr-3910	84	4	ua	ua	PROPN
fsr-3910	84	5	bl	bl	PROPN
fsr-3910	84	6	y	y	PROPN
fsr-3910	84	7	ei	ei	X
fsr-3910	84	8	th	th	INTJ
fsr-3910	84	9	er	er	INTJ
fsr-3910	84	10	v	v	X
fsr-3910	84	11	ol	ol	PROPN
fsr-3910	84	12	un	un	PROPN
fsr-3910	84	13	ta	ta	AUX
fsr-3910	84	14	ry	ry	PROPN
fsr-3910	84	15	in	in	ADP
fsr-3910	84	16	di	di	X
fsr-3910	84	17	vi	vi	PROPN
fsr-3910	84	18	du	du	PROPN
fsr-3910	84	19	al	al	PROPN
fsr-3910	84	20	ac	ac	PROPN
fsr-3910	85	1	co	co	PROPN
fsr-3910	85	2	un	un	PROPN
fsr-3910	85	3	t	t	PROPN
fsr-3910	85	4	co	co	PROPN
fsr-3910	85	5	nt	nt	PROPN
fsr-3910	85	6	rib	rib	PROPN
fsr-3910	85	7	ut	ut	PROPN
fsr-3910	85	8	io	io	PROPN
fsr-3910	85	9	ns	ns	PROPN
fsr-3910	85	10	eq	eq	PROPN
fsr-3910	85	11	ua	ua	PROPN
fsr-3910	85	12	lt	lt	NOUN
fsr-3910	85	13	o	o	PROPN
fsr-3910	85	14	2	2	NUM
fsr-3910	85	15	pe	pe	PROPN
fsr-3910	85	16	rc	rc	PROPN
fsr-3910	85	17	en	en	PROPN
fsr-3910	85	18	t	t	PROPN
fsr-3910	85	19	of	of	ADP
fsr-3910	85	20	ta	ta	PROPN
fsr-3910	86	1	xa	xa	PROPN
fsr-3910	86	2	bl	bl	PROPN
fsr-3910	87	1	e	e	PROPN
fsr-3910	88	1	pa	pa	PROPN
fsr-3910	88	2	yr	yr	PROPN
fsr-3910	88	3	ol	ol	PROPN
fsr-3910	88	4	l	l	PROPN
fsr-3910	88	5	(	(	PUNCT
fsr-3910	88	6	1	1	NUM
fsr-3910	88	7	pe	pe	PROPN
fsr-3910	88	8	rc	rc	PROPN
fsr-3910	88	9	en	en	X
fsr-3910	88	10	t	t	PROPN
fsr-3910	88	11	ea	ea	PROPN
fsr-3910	89	1	ch	ch	NOUN
fsr-3910	90	1	fr	fr	INTJ
fsr-3910	90	2	om	om	INTJ
fsr-3910	90	3	em	em	PRON
fsr-3910	90	4	pl	pl	INTJ
fsr-3910	90	5	oy	oy	INTJ
fsr-3910	91	1	er	er	INTJ
fsr-3910	91	2	s	s	VERB
fsr-3910	91	3	an	an	DET
fsr-3910	91	4	d	d	X
fsr-3910	91	5	em	em	PRON
fsr-3910	91	6	pl	pl	X
fsr-3910	91	7	oy	oy	X
fsr-3910	91	8	ee	ee	PROPN
fsr-3910	91	9	)	)	PUNCT
fsr-3910	92	1	e	e	PROPN
fsr-3910	92	2	st	st	PROPN
fsr-3910	92	3	ab	ab	PROPN
fsr-3910	92	4	lis	lis	PROPN
fsr-3910	92	5	he	he	PRON
fsr-3910	92	6	s	s	VERB
fsr-3910	92	7	a	a	DET
fsr-3910	92	8	vo	vo	NOUN
fsr-3910	92	9	lu	lu	NOUN
fsr-3910	92	10	nt	not	PART
fsr-3910	92	11	ar	ar	VERB
fsr-3910	92	12	y	y	PROPN
fsr-3910	92	13	in	in	ADP
fsr-3910	92	14	ve	ve	PROPN
fsr-3910	92	15	st	st	PROPN
fsr-3910	92	16	m	m	PROPN
fsr-3910	92	17	en	en	PROPN
fsr-3910	92	18	t	t	PROPN
fsr-3910	92	19	fu	fu	PROPN
fsr-3910	92	20	nd	nd	PROPN
fsr-3910	92	21	w	w	PROPN
fsr-3910	92	22	ith	ith	PROPN
fsr-3910	92	23	in	in	ADP
fsr-3910	92	24	ve	ve	PROPN
fsr-3910	92	25	st	st	PROPN
fsr-3910	92	26	m	m	PROPN
fsr-3910	92	27	en	en	X
fsr-3910	92	28	ts	ts	X
fsr-3910	92	29	lik	lik	PROPN
fsr-3910	92	30	e	e	X
fsr-3910	92	31	th	th	X
fsr-3910	92	32	os	os	PROPN
fsr-3910	92	33	e	e	PROPN
fsr-3910	92	34	of	of	ADP
fsr-3910	92	35	fe	fe	X
fsr-3910	92	36	re	re	ADP
fsr-3910	92	37	d	d	PROPN
fsr-3910	92	38	to	to	ADP
fsr-3910	92	39	fe	fe	X
fsr-3910	92	40	de	de	X
fsr-3910	92	41	ra	ra	PROPN
fsr-3910	92	42	l	l	PROPN
fsr-3910	92	43	w	w	PROPN
fsr-3910	92	44	or	or	CCONJ
fsr-3910	92	45	ke	ke	NOUN
fsr-3910	92	46	rs	rs	PROPN
fsr-3910	92	47	bu	bu	PROPN
fsr-3910	92	48	t	t	PROPN
fsr-3910	92	49	al	al	PROPN
fsr-3910	93	1	so	so	ADV
fsr-3910	93	2	ir	ir	PROPN
fsr-3910	94	1	a	a	DET
fsr-3910	94	2	ty	ty	INTJ
fsr-3910	94	3	pe	pe	INTJ
fsr-3910	94	4	ac	ac	PROPN
fsr-3910	94	5	co	co	PROPN
fsr-3910	94	6	un	un	PROPN
fsr-3910	94	7	ts	ts	PROPN
fsr-3910	94	8	n	n	PROPN
fsr-3910	94	9	o	o	NOUN
fsr-3910	94	10	n	n	X
fsr-3910	94	11	o	o	NOUN
fsr-3910	94	12	(	(	PUNCT
fsr-3910	94	13	c	c	NOUN
fsr-3910	94	14	o	o	NOUN
fsr-3910	94	15	n	n	CCONJ
fsr-3910	94	16	tin	tin	X
fsr-3910	94	17	u	u	NOUN
fsr-3910	94	18	e	e	NOUN
fsr-3910	94	19	d	d	NOUN
fsr-3910	94	20	o	o	X
fsr-3910	94	21	n	n	CCONJ
fsr-3910	94	22	n	n	NOUN
fsr-3910	94	23	e	e	NOUN
fsr-3910	94	24	xt	xt	X
fsr-3910	94	25	p	p	NOUN
fsr-3910	94	26	a	a	DET
fsr-3910	94	27	g	g	PROPN
fsr-3910	94	28	e	e	NOUN
fsr-3910	94	29	)	)	PUNCT
fsr-3910	95	1	68	68	NUM
fsr-3910	95	2	j.l	j.l	PROPN
fsr-3910	95	3	.	.	PROPN
fsr-3910	95	4	vanderhei	vanderhei	PROPN
fsr-3910	95	5	,	,	PUNCT
fsr-3910	95	6	k.a	k.a	PROPN
fsr-3910	95	7	.	.	PROPN
fsr-3910	95	8	olsen	olsen	PROPN
fsr-3910	95	9	/	/	SYM
fsr-3910	95	10	financial	financial	ADJ
fsr-3910	95	11	services	service	NOUN
fsr-3910	95	12	review	review	VERB
fsr-3910	95	13	9	9	NUM
fsr-3910	95	14	(	(	PUNCT
fsr-3910	95	15	2000	2000	NUM
fsr-3910	95	16	)	)	PUNCT
fsr-3910	95	17	65–78	65–78	PROPN
fsr-3910	95	18	t	t	X
fsr-3910	95	19	ab	ab	X
fsr-3910	95	20	le	le	X
fsr-3910	95	21	1	1	NUM
fsr-3910	95	22	(	(	PUNCT
fsr-3910	95	23	c	c	NOUN
fsr-3910	95	24	o	o	NOUN
fsr-3910	95	25	n	n	CCONJ
fsr-3910	95	26	tin	tin	X
fsr-3910	95	27	u	u	X
fsr-3910	95	28	e	e	PROPN
fsr-3910	95	29	d	d	NOUN
fsr-3910	95	30	)	)	PUNCT
fsr-3910	96	1	p	p	X
fsr-3910	96	2	la	la	PROPN
fsr-3910	96	3	n	n	PROPN
fsr-3910	96	4	s	s	X
fsr-3910	96	5	up	up	ADP
fsr-3910	96	6	pl	pl	X
fsr-3910	96	7	em	em	PRON
fsr-3910	96	8	en	en	ADV
fsr-3910	96	9	ts	ts	ADV
fsr-3910	96	10	or	or	CCONJ
fsr-3910	96	11	re	re	VERB
fsr-3910	96	12	pl	pl	VERB
fsr-3910	96	13	ac	ac	PROPN
fsr-3910	96	14	es	es	ADP
fsr-3910	96	15	a	a	DET
fsr-3910	96	16	po	po	NOUN
fsr-3910	96	17	rt	rt	PROPN
fsr-3910	96	18	io	io	PROPN
fsr-3910	96	19	n	n	PROPN
fsr-3910	96	20	of	of	ADP
fsr-3910	96	21	so	so	ADV
fsr-3910	96	22	ci	ci	PROPN
fsr-3910	96	23	al	al	PROPN
fsr-3910	96	24	se	se	PROPN
fsr-3910	96	25	cu	cu	PROPN
fsr-3910	96	26	rit	rit	PROPN
fsr-3910	96	27	y	y	PROPN
fsr-3910	96	28	?	?	PUNCT
fsr-3910	97	1	f	f	PROPN
fsr-3910	97	2	un	un	PROPN
fsr-3910	97	3	di	di	PROPN
fsr-3910	97	4	ng	ng	PROPN
fsr-3910	98	1	so	so	ADV
fsr-3910	98	2	ur	ur	PROPN
fsr-3910	98	3	ce	ce	PROPN
fsr-3910	98	4	in	in	ADP
fsr-3910	98	5	ve	ve	PROPN
fsr-3910	98	6	st	st	PROPN
fsr-3910	98	7	m	m	PROPN
fsr-3910	98	8	en	en	PROPN
fsr-3910	98	9	t	t	PROPN
fsr-3910	98	10	ch	ch	PROPN
fsr-3910	98	11	oi	oi	PROPN
fsr-3910	98	12	ce	ce	PROPN
fsr-3910	98	13	s	s	PROPN
fsr-3910	98	14	oc	oc	PROPN
fsr-3910	98	15	ia	ia	PROPN
fsr-3910	98	16	ls	ls	PROPN
fsr-3910	98	17	ec	ec	PROPN
fsr-3910	99	1	ur	ur	INTJ
fsr-3910	99	2	ity	ity	PROPN
fsr-3910	99	3	be	be	AUX
fsr-3910	99	4	ne	ne	ADP
fsr-3910	99	5	fit	fit	NOUN
fsr-3910	99	6	of	of	ADP
fsr-3910	99	7	fs	fs	ADP
fsr-3910	99	8	et	et	PROPN
fsr-3910	100	1	ba	ba	PROPN
fsr-3910	100	2	se	se	PROPN
fsr-3910	101	1	d	d	PROPN
fsr-3910	101	2	on	on	ADP
fsr-3910	101	3	ac	ac	PROPN
fsr-3910	101	4	co	co	PROPN
fsr-3910	101	5	un	un	PROPN
fsr-3910	101	6	t	t	PROPN
fsr-3910	101	7	ba	ba	PROPN
fsr-3910	101	8	la	la	PROPN
fsr-3910	101	9	nc	nc	PROPN
fsr-3910	101	10	e	e	PROPN
fsr-3910	101	11	?	?	PUNCT
fsr-3910	102	1	m	m	AUX
fsr-3910	102	2	in	in	AUX
fsr-3910	102	3	i	i	PRON
fsr-3910	102	4	m	m	VERB
fsr-3910	102	5	um	um	INTJ
fsr-3910	102	6	be	be	AUX
fsr-3910	102	7	ne	ne	PROPN
fsr-3910	102	8	fit	fit	PROPN
fsr-3910	102	9	gu	gu	PROPN
fsr-3910	102	10	ar	ar	PROPN
fsr-3910	102	11	an	an	DET
fsr-3910	102	12	te	te	PROPN
fsr-3910	102	13	e	e	NOUN
fsr-3910	102	14	be	be	AUX
fsr-3910	102	15	yo	yo	INTJ
fsr-3910	102	16	nd	nd	NOUN
fsr-3910	102	17	s	s	NOUN
fsr-3910	102	18	oc	oc	AUX
fsr-3910	102	19	ia	ia	PROPN
fsr-3910	102	20	l	l	PROPN
fsr-3910	102	21	s	s	PART
fsr-3910	102	22	ec	ec	PROPN
fsr-3910	102	23	ur	ur	INTJ
fsr-3910	102	24	ity	ity	PROPN
fsr-3910	102	25	de	de	X
fsr-3910	102	26	fin	fin	PROPN
fsr-3910	102	27	ed	ed	NOUN
fsr-3910	102	28	be	be	AUX
fsr-3910	102	29	ne	ne	X
fsr-3910	102	30	fit	fit	ADJ
fsr-3910	102	31	?	?	PUNCT
fsr-3910	103	1	r	r	NOUN
fsr-3910	103	2	ep	ep	PROPN
fsr-3910	103	3	.	.	PUNCT
fsr-3910	104	1	jo	jo	PROPN
fsr-3910	105	1	hn	hn	PROPN
fsr-3910	105	2	k	k	PROPN
fsr-3910	106	1	as	as	SCONJ
fsr-3910	106	2	ic	ic	PROPN
fsr-3910	106	3	h	h	PROPN
fsr-3910	106	4	(	(	PUNCT
fsr-3910	106	5	r	r	NOUN
fsr-3910	106	6	-o	-o	INTJ
fsr-3910	106	7	h	h	NOUN
fsr-3910	106	8	)	)	PUNCT
fsr-3910	106	9	r	r	NOUN
fsr-3910	106	10	ep	ep	PROPN
fsr-3910	106	11	la	la	PROPN
fsr-3910	106	12	ce	ce	PROPN
fsr-3910	106	13	m	m	PROPN
fsr-3910	106	14	en	en	PROPN
fsr-3910	106	15	t	t	X
fsr-3910	106	16	ir	ir	PROPN
fsr-3910	106	17	re	re	PROPN
fsr-3910	106	18	vo	vo	PROPN
fsr-3910	106	19	ca	ca	NOUN
fsr-3910	106	20	bl	bl	PROPN
fsr-3910	106	21	e	e	NOUN
fsr-3910	106	22	op	op	NOUN
fsr-3910	106	23	tio	tio	NOUN
fsr-3910	106	24	n	n	X
fsr-3910	106	25	to	to	ADP
fsr-3910	106	26	pa	pa	PROPN
fsr-3910	106	27	rt	rt	PROPN
fsr-3910	106	28	ic	ic	PROPN
fsr-3910	106	29	ip	ip	VERB
fsr-3910	106	30	at	at	ADP
fsr-3910	106	31	e	e	NOUN
fsr-3910	106	32	in	in	ADP
fsr-3910	106	33	in	in	ADP
fsr-3910	106	34	di	di	X
fsr-3910	106	35	vi	vi	PROPN
fsr-3910	106	36	du	du	PROPN
fsr-3910	106	37	al	al	PROPN
fsr-3910	106	38	pl	pl	PROPN
fsr-3910	106	39	an	an	PROPN
fsr-3910	106	40	;	;	PUNCT
fsr-3910	106	41	go	go	VERB
fsr-3910	106	42	ve	ve	PROPN
fsr-3910	106	43	rn	rn	PROPN
fsr-3910	106	44	m	m	PROPN
fsr-3910	106	45	en	en	ADP
fsr-3910	106	46	t	t	PROPN
fsr-3910	106	47	w	w	PROPN
fsr-3910	106	48	ou	ou	X
fsr-3910	106	49	ld	ld	PROPN
fsr-3910	106	50	co	co	PROPN
fsr-3910	106	51	nt	nt	PROPN
fsr-3910	106	52	rib	rib	PROPN
fsr-3910	106	53	ut	ut	PROPN
fsr-3910	106	54	e	e	PROPN
fsr-3910	106	55	be	be	AUX
fsr-3910	106	56	tw	tw	INTJ
fsr-3910	106	57	ee	ee	ADP
fsr-3910	106	58	n	n	PROPN
fsr-3910	106	59	1	1	NUM
fsr-3910	106	60	an	an	DET
fsr-3910	106	61	d	d	PROPN
fsr-3910	106	62	3	3	NUM
fsr-3910	106	63	.	.	NOUN
fsr-3910	106	64	5	5	NUM
fsr-3910	106	65	pe	pe	NOUN
fsr-3910	106	66	rc	rc	PROPN
fsr-3910	106	67	en	en	PROPN
fsr-3910	106	68	t	t	PROPN
fsr-3910	106	69	of	of	ADP
fsr-3910	106	70	ta	ta	PROPN
fsr-3910	106	71	xa	xa	PROPN
fsr-3910	106	72	bl	bl	PROPN
fsr-3910	107	1	e	e	PROPN
fsr-3910	107	2	pa	pa	PROPN
fsr-3910	107	3	yr	yr	PROPN
fsr-3910	107	4	ol	ol	PROPN
fsr-3910	107	5	l	l	PROPN
fsr-3910	107	6	(	(	PUNCT
fsr-3910	107	7	d	d	X
fsr-3910	107	8	ep	ep	PROPN
fsr-3910	107	9	en	en	PROPN
fsr-3910	107	10	di	di	X
fsr-3910	107	11	ng	ng	PROPN
fsr-3910	107	12	on	on	ADP
fsr-3910	107	13	ea	ea	PROPN
fsr-3910	107	14	rn	rn	PROPN
fsr-3910	107	15	in	in	ADP
fsr-3910	107	16	gs	gs	PROPN
fsr-3910	107	17	)	)	PUNCT
fsr-3910	107	18	to	to	ADP
fsr-3910	107	19	in	in	ADP
fsr-3910	107	20	di	di	X
fsr-3910	107	21	vi	vi	PROPN
fsr-3910	107	22	du	du	PROPN
fsr-3910	107	23	al	al	PROPN
fsr-3910	107	24	ac	ac	PROPN
fsr-3910	107	25	co	co	PROPN
fsr-3910	107	26	un	un	PROPN
fsr-3910	107	27	t	t	PROPN
fsr-3910	107	28	in	in	ADP
fsr-3910	107	29	ve	ve	PROPN
fsr-3910	107	30	st	st	PROPN
fsr-3910	107	31	m	m	PROPN
fsr-3910	107	32	en	en	X
fsr-3910	107	33	ts	ts	X
fsr-3910	107	34	ch	ch	PROPN
fsr-3910	107	35	oi	oi	PROPN
fsr-3910	107	36	ce	ce	PROPN
fsr-3910	107	37	s	s	PROPN
fsr-3910	107	38	lik	lik	PROPN
fsr-3910	107	39	e	e	X
fsr-3910	107	40	th	th	X
fsr-3910	107	41	os	os	PROPN
fsr-3910	107	42	e	e	PROPN
fsr-3910	107	43	of	of	ADP
fsr-3910	107	44	fe	fe	X
fsr-3910	107	45	re	re	ADP
fsr-3910	107	46	d	d	NOUN
fsr-3910	107	47	to	to	ADP
fsr-3910	107	48	of	of	ADP
fsr-3910	107	49	fe	fe	X
fsr-3910	107	50	de	de	X
fsr-3910	107	51	ra	ra	PROPN
fsr-3910	107	52	lw	lw	PROPN
fsr-3910	107	53	or	or	CCONJ
fsr-3910	107	54	ke	ke	NOUN
fsr-3910	107	55	rs	rs	NOUN
fsr-3910	107	56	y	y	PROPN
fsr-3910	107	57	es	es	PROPN
fsr-3910	107	58	,	,	PUNCT
fsr-3910	107	59	in	in	ADP
fsr-3910	107	60	ex	ex	PRON
fsr-3910	107	61	ch	ch	NOUN
fsr-3910	107	62	an	an	DET
fsr-3910	107	63	ge	ge	NOUN
fsr-3910	108	1	fo	fo	ADP
fsr-3910	108	2	r	r	NOUN
fsr-3910	108	3	pa	pa	PROPN
fsr-3910	108	4	rt	rt	PROPN
fsr-3910	108	5	ic	ic	INTJ
fsr-3910	108	6	ip	ip	VERB
fsr-3910	108	7	at	at	ADP
fsr-3910	108	8	in	in	ADP
fsr-3910	108	9	g	g	NOUN
fsr-3910	108	10	in	in	ADV
fsr-3910	108	11	in	in	ADP
fsr-3910	108	12	di	di	X
fsr-3910	108	13	vi	vi	PROPN
fsr-3910	108	14	du	du	PROPN
fsr-3910	108	15	al	al	PROPN
fsr-3910	108	16	ac	ac	PROPN
fsr-3910	108	17	co	co	PROPN
fsr-3910	108	18	un	un	PROPN
fsr-3910	108	19	t	t	PROPN
fsr-3910	108	20	pl	pl	PROPN
fsr-3910	108	21	an	an	PRON
fsr-3910	108	22	,	,	PUNCT
fsr-3910	108	23	pa	pa	PROPN
fsr-3910	108	24	rt	rt	PROPN
fsr-3910	108	25	ic	ic	PROPN
fsr-3910	108	26	ip	ip	VERB
fsr-3910	108	27	an	an	DET
fsr-3910	108	28	ts	ts	NOUN
fsr-3910	108	29	m	m	VERB
fsr-3910	108	30	us	us	PROPN
fsr-3910	108	31	t	t	PROPN
fsr-3910	108	32	ag	ag	PROPN
fsr-3910	108	33	re	re	ADP
fsr-3910	108	34	e	e	PROPN
fsr-3910	108	35	to	to	ADP
fsr-3910	108	36	a	a	DET
fsr-3910	108	37	sc	sc	PROPN
fsr-3910	108	38	al	al	PROPN
fsr-3910	108	39	ed	ed	PROPN
fsr-3910	108	40	ba	ba	PROPN
fsr-3910	108	41	ck	ck	PROPN
fsr-3910	108	42	de	de	X
fsr-3910	108	43	fin	fin	PROPN
fsr-3910	108	44	ed	ed	NOUN
fsr-3910	108	45	be	be	AUX
fsr-3910	108	46	ne	ne	X
fsr-3910	108	47	fit	fit	ADJ
fsr-3910	108	48	n	n	INTJ
fsr-3910	108	49	o	o	NOUN
fsr-3910	108	50	r	r	NOUN
fsr-3910	109	1	ep	ep	PROPN
fsr-3910	109	2	s.	s.	PROPN
fsr-3910	109	3	b	b	PROPN
fsr-3910	109	4	ill	ill	PROPN
fsr-3910	109	5	a	a	DET
fsr-3910	109	6	rc	rc	NOUN
fsr-3910	110	1	he	he	PRON
fsr-3910	110	2	r	r	NOUN
fsr-3910	110	3	(	(	PUNCT
fsr-3910	110	4	r	r	NOUN
fsr-3910	110	5	.	.	PUNCT
fsr-3910	110	6	,	,	PUNCT
fsr-3910	110	7	t	t	PROPN
fsr-3910	110	8	x	x	SYM
fsr-3910	110	9	)	)	PUNCT
fsr-3910	110	10	an	an	DET
fsr-3910	110	11	d	d	X
fsr-3910	110	12	e	e	X
fsr-3910	110	13	.	.	PUNCT
fsr-3910	111	1	c	c	X
fsr-3910	111	2	la	la	PROPN
fsr-3910	111	3	y	y	PROPN
fsr-3910	111	4	s	s	X
fsr-3910	111	5	ha	ha	INTJ
fsr-3910	111	6	w	w	INTJ
fsr-3910	111	7	(	(	PUNCT
fsr-3910	111	8	r	r	NOUN
fsr-3910	111	9	.	.	PUNCT
fsr-3910	111	10	,	,	PUNCT
fsr-3910	111	11	f	f	PROPN
fsr-3910	111	12	l	l	NOUN
fsr-3910	111	13	)	)	PUNCT
fsr-3910	111	14	f	f	PROPN
fsr-3910	111	15	r	r	NOUN
fsr-3910	111	16	ep	ep	PROPN
fsr-3910	111	17	la	la	PROPN
fsr-3910	111	18	ce	ce	PROPN
fsr-3910	111	19	s	s	PROPN
fsr-3910	111	20	m	m	PROPN
fsr-3910	111	21	an	an	DET
fsr-3910	111	22	da	da	NOUN
fsr-3910	111	23	to	to	ADP
fsr-3910	111	24	ry	ry	PROPN
fsr-3910	111	25	2	2	NUM
fsr-3910	111	26	pe	pe	PROPN
fsr-3910	111	27	rc	rc	PROPN
fsr-3910	111	28	en	en	X
fsr-3910	111	29	ta	ta	PROPN
fsr-3910	111	30	ge	ge	PROPN
fsr-3910	111	31	po	po	PROPN
fsr-3910	111	32	in	in	ADP
fsr-3910	111	33	ts	ts	ADP
fsr-3910	111	34	of	of	ADP
fsr-3910	111	35	s	s	PRON
fsr-3910	111	36	oc	oc	PROPN
fsr-3910	111	37	ia	ia	PROPN
fsr-3910	111	38	l	l	PROPN
fsr-3910	111	39	s	s	PART
fsr-3910	111	40	ec	ec	PROPN
fsr-3910	111	41	ur	ur	INTJ
fsr-3910	111	42	ity	ity	PROPN
fsr-3910	111	43	pa	pa	PROPN
fsr-3910	111	44	yr	yr	PROPN
fsr-3910	111	45	ol	ol	PROPN
fsr-3910	111	46	lt	lt	NOUN
fsr-3910	111	47	ax	ax	NOUN
fsr-3910	111	48	a	a	DET
fsr-3910	111	49	ll	ll	NOUN
fsr-3910	111	50	as	as	ADV
fsr-3910	111	51	se	se	X
fsr-3910	111	52	ts	ts	PROPN
fsr-3910	111	53	w	w	PROPN
fsr-3910	111	54	ou	ou	PROPN
fsr-3910	111	55	ld	ld	PROPN
fsr-3910	111	56	be	be	AUX
fsr-3910	111	57	in	in	ADP
fsr-3910	111	58	ve	ve	PROPN
fsr-3910	111	59	st	st	PROPN
fsr-3910	111	60	ed	ed	PROPN
fsr-3910	111	61	in	in	ADP
fsr-3910	111	62	a	a	DET
fsr-3910	111	63	qu	qu	PROPN
fsr-3910	111	64	al	al	PROPN
fsr-3910	111	65	ifi	ifi	PROPN
fsr-3910	112	1	ed	ed	PROPN
fsr-3910	112	2	m	m	PROPN
fsr-3910	112	3	ut	ut	PROPN
fsr-3910	112	4	ua	ua	PROPN
fsr-3910	112	5	lf	lf	PROPN
fsr-3910	112	6	un	un	PROPN
fsr-3910	113	1	d	d	PROPN
fsr-3910	113	2	m	m	VERB
fsr-3910	113	3	ai	be	VERB
fsr-3910	113	4	nt	not	PART
fsr-3910	113	5	ai	ai	VERB
fsr-3910	113	6	ne	ne	PROPN
fsr-3910	113	7	d	d	PROPN
fsr-3910	113	8	w	w	PROPN
fsr-3910	113	9	ith	ith	PROPN
fsr-3910	113	10	a	a	DET
fsr-3910	113	11	po	po	NOUN
fsr-3910	114	1	rt	rt	INTJ
fsr-3910	114	2	fo	fo	INTJ
fsr-3910	114	3	lio	lio	PROPN
fsr-3910	114	4	al	al	PROPN
fsr-3910	114	5	lo	lo	PROPN
fsr-3910	114	6	ca	can	AUX
fsr-3910	114	7	tio	tio	VERB
fsr-3910	114	8	n	n	PROPN
fsr-3910	114	9	of	of	ADP
fsr-3910	114	10	60	60	NUM
fsr-3910	114	11	pe	pe	PROPN
fsr-3910	114	12	rc	rc	PROPN
fsr-3910	114	13	en	en	PROPN
fsr-3910	114	14	t	t	PROPN
fsr-3910	114	15	st	st	PROPN
fsr-3910	115	1	oc	oc	PROPN
fsr-3910	115	2	k	k	PROPN
fsr-3910	115	3	in	in	ADP
fsr-3910	115	4	de	de	PROPN
fsr-3910	115	5	x	x	PROPN
fsr-3910	115	6	fu	fu	PROPN
fsr-3910	115	7	nd	nd	NOUN
fsr-3910	115	8	s	s	VERB
fsr-3910	115	9	an	an	DET
fsr-3910	115	10	d	d	NUM
fsr-3910	115	11	40	40	NUM
fsr-3910	115	12	pe	pe	PROPN
fsr-3910	115	13	rc	rc	PROPN
fsr-3910	115	14	en	en	PROPN
fsr-3910	115	15	t	t	PROPN
fsr-3910	115	16	co	co	NOUN
fsr-3910	115	17	rp	rp	NOUN
fsr-3910	115	18	or	or	CCONJ
fsr-3910	115	19	at	at	ADP
fsr-3910	115	20	e	e	PROPN
fsr-3910	115	21	bo	bo	PROPN
fsr-3910	115	22	nd	nd	PROPN
fsr-3910	115	23	s	s	PROPN
fsr-3910	115	24	y	y	NOUN
fsr-3910	115	25	es	es	NOUN
fsr-3910	115	26	,	,	PUNCT
fsr-3910	115	27	pa	pa	PROPN
fsr-3910	115	28	rt	rt	PROPN
fsr-3910	115	29	ic	ic	PROPN
fsr-3910	115	30	ip	ip	VERB
fsr-3910	115	31	an	an	DET
fsr-3910	115	32	ts	ts	X
fsr-3910	115	33	ar	ar	PROPN
fsr-3910	115	34	e	e	PROPN
fsr-3910	115	35	gu	gu	PROPN
fsr-3910	115	36	ar	ar	PROPN
fsr-3910	115	37	an	an	DET
fsr-3910	115	38	te	te	PROPN
fsr-3910	115	39	ed	ed	NOUN
fsr-3910	115	40	at	at	ADP
fsr-3910	115	41	le	le	PROPN
fsr-3910	115	42	as	as	ADP
fsr-3910	115	43	t	t	PROPN
fsr-3910	115	44	th	th	X
fsr-3910	115	45	e	e	X
fsr-3910	115	46	cu	cu	PROPN
fsr-3910	115	47	rr	rr	X
fsr-3910	116	1	en	en	INTJ
fsr-3910	116	2	tla	tla	PROPN
fsr-3910	116	3	w	w	PROPN
fsr-3910	116	4	s	s	PROPN
fsr-3910	116	5	oc	oc	PROPN
fsr-3910	116	6	ia	ia	PROPN
fsr-3910	116	7	l	l	PROPN
fsr-3910	116	8	s	s	PART
fsr-3910	116	9	ec	ec	PROPN
fsr-3910	116	10	ur	ur	INTJ
fsr-3910	116	11	ity	ity	PROPN
fsr-3910	116	12	be	be	AUX
fsr-3910	116	13	ne	ne	NOUN
fsr-3910	116	14	fit	fit	ADJ
fsr-3910	116	15	an	an	DET
fsr-3910	116	16	d	d	PROPN
fsr-3910	116	17	ca	can	AUX
fsr-3910	116	18	n	n	ADV
fsr-3910	116	19	re	re	VERB
fsr-3910	116	20	ce	ce	PROPN
fsr-3910	116	21	iv	iv	NUM
fsr-3910	116	22	e	e	PROPN
fsr-3910	116	23	ad	ad	NOUN
fsr-3910	116	24	di	di	NOUN
fsr-3910	116	25	tio	tio	NOUN
fsr-3910	116	26	na	na	AUX
fsr-3910	116	27	l	l	NOUN
fsr-3910	116	28	be	be	AUX
fsr-3910	116	29	ne	ne	X
fsr-3910	116	30	fit	fit	PROPN
fsr-3910	116	31	s	s	X
fsr-3910	116	32	if	if	SCONJ
fsr-3910	116	33	in	in	ADP
fsr-3910	116	34	di	di	X
fsr-3910	116	35	vi	vi	PROPN
fsr-3910	116	36	du	du	PROPN
fsr-3910	116	37	al	al	PROPN
fsr-3910	116	38	ac	ac	PROPN
fsr-3910	117	1	co	co	PROPN
fsr-3910	117	2	un	un	PROPN
fsr-3910	117	3	t	t	PROPN
fsr-3910	117	4	ba	ba	PROPN
fsr-3910	117	5	la	la	PROPN
fsr-3910	117	6	nc	nc	PROPN
fsr-3910	117	7	es	es	X
fsr-3910	117	8	ex	ex	X
fsr-3910	117	9	ce	ce	PROPN
fsr-3910	117	10	ed	ed	NOUN
fsr-3910	117	11	th	th	PROPN
fsr-3910	117	12	e	e	NOUN
fsr-3910	117	13	am	be	AUX
fsr-3910	117	14	ou	ou	ADP
fsr-3910	117	15	nt	nt	ADP
fsr-3910	117	16	ne	ne	PROPN
fsr-3910	117	17	ed	ed	PROPN
fsr-3910	117	18	ed	ed	NOUN
fsr-3910	117	19	to	to	ADP
fsr-3910	117	20	fu	fu	PROPN
fsr-3910	117	21	nd	nd	PROPN
fsr-3910	117	22	cu	cu	PROPN
fsr-3910	117	23	rr	rr	X
fsr-3910	117	24	en	en	X
fsr-3910	117	25	tla	tla	PROPN
fsr-3910	117	26	w	w	PROPN
fsr-3910	117	27	s	s	PROPN
fsr-3910	117	28	oc	oc	PROPN
fsr-3910	118	1	ia	ia	PROPN
fsr-3910	118	2	l	l	PROPN
fsr-3910	118	3	s	s	PART
fsr-3910	118	4	ec	ec	PROPN
fsr-3910	118	5	ur	ur	INTJ
fsr-3910	118	6	ity	ity	PROPN
fsr-3910	118	7	be	be	AUX
fsr-3910	118	8	ne	ne	X
fsr-3910	118	9	fit	fit	PROPN
fsr-3910	118	10	n	n	INTJ
fsr-3910	118	11	ot	ot	INTJ
fsr-3910	118	12	ap	ap	PROPN
fsr-3910	118	13	pl	pl	PROPN
fsr-3910	118	14	ic	ic	PROPN
fsr-3910	118	15	ab	ab	PROPN
fsr-3910	118	16	le	le	PROPN
fsr-3910	118	17	,	,	PUNCT
fsr-3910	118	18	si	si	PROPN
fsr-3910	118	19	nc	nc	PROPN
fsr-3910	118	20	e	e	PROPN
fsr-3910	118	21	de	de	X
fsr-3910	118	22	fin	fin	PROPN
fsr-3910	118	23	ed	ed	NOUN
fsr-3910	118	24	be	be	AUX
fsr-3910	118	25	ne	ne	X
fsr-3910	118	26	fit	fit	PROPN
fsr-3910	118	27	pa	pa	PROPN
fsr-3910	118	28	i	i	PROPN
fsr-3910	118	29	d	d	PROPN
fsr-3910	118	30	to	to	PART
fsr-3910	118	31	in	in	ADP
fsr-3910	118	32	di	di	X
fsr-3910	118	33	vi	vi	PROPN
fsr-3910	118	34	du	du	PROPN
fsr-3910	118	35	al	al	PROPN
fsr-3910	118	36	de	de	PROPN
fsr-3910	118	37	pe	pe	PROPN
fsr-3910	118	38	nd	nd	NOUN
fsr-3910	118	39	s	s	X
fsr-3910	118	40	on	on	ADV
fsr-3910	118	41	in	in	ADP
fsr-3910	118	42	di	di	X
fsr-3910	118	43	vi	vi	PROPN
fsr-3910	118	44	du	du	PROPN
fsr-3910	118	45	al	al	PROPN
fsr-3910	118	46	ac	ac	PROPN
fsr-3910	118	47	co	co	PROPN
fsr-3910	118	48	un	un	PROPN
fsr-3910	118	49	t	t	PROPN
fsr-3910	118	50	ba	ba	PROPN
fsr-3910	118	51	la	la	PROPN
fsr-3910	118	52	nc	nc	PROPN
fsr-3910	118	53	e	e	PROPN
fsr-3910	118	54	;	;	PUNCT
fsr-3910	118	55	to	to	ADP
fsr-3910	118	56	ta	ta	PROPN
fsr-3910	118	57	lb	lb	PROPN
fsr-3910	118	58	en	en	PROPN
fsr-3910	118	59	efi	efi	PROPN
fsr-3910	118	60	t	t	PROPN
fsr-3910	118	61	ca	can	AUX
fsr-3910	118	62	nn	nn	INTJ
fsr-3910	118	63	ot	ot	NOUN
fsr-3910	118	64	be	be	AUX
fsr-3910	118	65	lo	lo	PROPN
fsr-3910	118	66	w	w	NOUN
fsr-3910	118	67	er	er	INTJ
fsr-3910	118	68	th	th	X
fsr-3910	118	69	an	an	DET
fsr-3910	118	70	cu	cu	PROPN
fsr-3910	118	71	rr	rr	X
fsr-3910	118	72	en	en	X
fsr-3910	118	73	tla	tla	PROPN
fsr-3910	118	74	w	w	PROPN
fsr-3910	118	75	s	s	PROPN
fsr-3910	118	76	oc	oc	PROPN
fsr-3910	119	1	ia	ia	PROPN
fsr-3910	119	2	l	l	PROPN
fsr-3910	119	3	s	s	PART
fsr-3910	119	4	ec	ec	PROPN
fsr-3910	119	5	ur	ur	INTJ
fsr-3910	119	6	ity	ity	PROPN
fsr-3910	119	7	be	be	AUX
fsr-3910	119	8	ne	ne	NOUN
fsr-3910	119	9	fit	fit	VERB
fsr-3910	119	10	a	a	DET
fsr-3910	119	11	a	a	DET
fsr-3910	119	12	dd	dd	NOUN
fsr-3910	119	13	iti	iti	NOUN
fsr-3910	119	14	on	on	ADP
fsr-3910	119	15	al	al	PROPN
fsr-3910	119	16	$	$	SYM
fsr-3910	119	17	2	2	NUM
fsr-3910	119	18	,	,	PUNCT
fsr-3910	119	19	0	0	NUM
fsr-3910	119	20	00	00	NUM
fsr-3910	120	1	pe	pe	INTJ
fsr-3910	120	2	r	r	PROPN
fsr-3910	120	3	ye	ye	PROPN
fsr-3910	120	4	ar	ar	PROPN
fsr-3910	120	5	co	co	NOUN
fsr-3910	120	6	ul	ul	PROPN
fsr-3910	121	1	d	d	AUX
fsr-3910	121	2	be	be	AUX
fsr-3910	121	3	co	co	VERB
fsr-3910	121	4	nt	not	PART
fsr-3910	121	5	rib	rib	PROPN
fsr-3910	121	6	ut	ut	PROPN
fsr-3910	121	7	ed	ed	NOUN
fsr-3910	121	8	by	by	ADP
fsr-3910	121	9	th	th	X
fsr-3910	121	10	e	e	NOUN
fsr-3910	121	11	in	in	ADP
fsr-3910	121	12	di	di	PROPN
fsr-3910	121	13	vi	vi	PROPN
fsr-3910	121	14	du	du	PROPN
fsr-3910	121	15	al	al	PROPN
fsr-3910	121	16	on	on	ADP
fsr-3910	121	17	a	a	DET
fsr-3910	121	18	vo	vo	NOUN
fsr-3910	121	19	lu	lu	NOUN
fsr-3910	121	20	nt	not	PART
fsr-3910	121	21	ar	ar	VERB
fsr-3910	121	22	y	y	PROPN
fsr-3910	121	23	ba	ba	PROPN
fsr-3910	122	1	si	si	PROPN
fsr-3910	122	2	s.	s.	PROPN
fsr-3910	122	3	b	b	PROPN
fsr-3910	122	4	f	f	PROPN
fsr-3910	123	1	ed	ed	INTJ
fsr-3910	123	2	er	er	INTJ
fsr-3910	123	3	al	al	PROPN
fsr-3910	123	4	w	w	PROPN
fsr-3910	123	5	or	or	CCONJ
fsr-3910	123	6	ke	ke	PROPN
fsr-3910	123	7	rs	rs	PROPN
fsr-3910	123	8	w	w	PROPN
fsr-3910	123	9	ho	ho	PROPN
fsr-3910	123	10	pa	pa	PROPN
fsr-3910	123	11	rt	rt	PROPN
fsr-3910	123	12	ic	ic	PROPN
fsr-3910	123	13	ip	ip	VERB
fsr-3910	123	14	at	at	ADP
fsr-3910	123	15	e	e	PROPN
fsr-3910	123	16	in	in	ADP
fsr-3910	123	17	th	th	NUM
fsr-3910	123	18	e	e	X
fsr-3910	123	19	f	f	PROPN
fsr-3910	124	1	ed	ed	PROPN
fsr-3910	125	1	er	er	INTJ
fsr-3910	125	2	al	al	PROPN
fsr-3910	125	3	t	t	PROPN
fsr-3910	125	4	hr	hr	PROPN
fsr-3910	125	5	ift	ift	PROPN
fsr-3910	125	6	s	s	PROPN
fsr-3910	125	7	av	av	PROPN
fsr-3910	125	8	in	in	ADP
fsr-3910	125	9	gs	gs	PROPN
fsr-3910	125	10	p	p	PROPN
fsr-3910	125	11	la	la	PROPN
fsr-3910	125	12	n	n	X
fsr-3910	125	13	ar	ar	PROPN
fsr-3910	125	14	e	e	PROPN
fsr-3910	125	15	cu	cu	PROPN
fsr-3910	125	16	rr	rr	X
fsr-3910	125	17	en	en	X
fsr-3910	125	18	tly	tly	ADV
fsr-3910	125	19	lim	lim	PROPN
fsr-3910	125	20	ite	ite	PROPN
fsr-3910	125	21	d	d	PROPN
fsr-3910	125	22	to	to	ADP
fsr-3910	125	23	in	in	ADP
fsr-3910	125	24	ve	ve	PROPN
fsr-3910	125	25	st	st	PROPN
fsr-3910	125	26	m	m	PROPN
fsr-3910	125	27	en	en	PROPN
fsr-3910	125	28	t	t	PROPN
fsr-3910	125	29	in	in	ADP
fsr-3910	125	30	eq	eq	ADP
fsr-3910	125	31	ui	ui	PROPN
fsr-3910	125	32	ty	ty	INTJ
fsr-3910	125	33	in	in	ADP
fsr-3910	125	34	de	de	X
fsr-3910	125	35	x	x	PROPN
fsr-3910	125	36	,	,	PUNCT
fsr-3910	125	37	t	t	PROPN
fsr-3910	125	38	re	re	VERB
fsr-3910	125	39	as	as	ADP
fsr-3910	125	40	ur	ur	PROPN
fsr-3910	125	41	y	y	PROPN
fsr-3910	125	42	bo	bo	PROPN
fsr-3910	125	43	nd	nd	INTJ
fsr-3910	125	44	,	,	PUNCT
fsr-3910	125	45	an	an	DET
fsr-3910	125	46	d	d	PROPN
fsr-3910	125	47	de	de	X
fsr-3910	125	48	bt	bt	NOUN
fsr-3910	125	49	in	in	ADP
fsr-3910	125	50	de	de	X
fsr-3910	125	51	x	x	PROPN
fsr-3910	125	52	fu	fu	PROPN
fsr-3910	125	53	nd	nd	PROPN
fsr-3910	125	54	s.	s.	PROPN
fsr-3910	125	55	c	c	PROPN
fsr-3910	125	56	u	u	PROPN
fsr-3910	125	57	pd	pd	PROPN
fsr-3910	125	58	at	at	ADP
fsr-3910	125	59	e	e	PROPN
fsr-3910	125	60	of	of	ADP
fsr-3910	125	61	th	th	X
fsr-3910	125	62	e	e	NOUN
fsr-3910	125	63	s	s	PROPN
fsr-3910	125	64	oc	oc	PROPN
fsr-3910	125	65	ia	ia	PROPN
fsr-3910	125	66	ls	ls	PROPN
fsr-3910	125	67	ec	ec	PROPN
fsr-3910	126	1	ur	ur	INTJ
fsr-3910	126	2	ity	ity	PROPN
fsr-3910	126	3	s	s	X
fsr-3910	126	4	ol	ol	PROPN
fsr-3910	126	5	ve	ve	PROPN
fsr-3910	126	6	nc	nc	PROPN
fsr-3910	126	7	y	y	PROPN
fsr-3910	126	8	a	a	DET
fsr-3910	126	9	ct	ct	NUM
fsr-3910	126	10	of	of	ADP
fsr-3910	126	11	19	19	NUM
fsr-3910	126	12	95	95	NUM
fsr-3910	126	13	.	.	PUNCT
fsr-3910	127	1	d	d	X
fsr-3910	127	2	a	a	DET
fsr-3910	127	3	m	m	NOUN
fsr-3910	127	4	ou	ou	NOUN
fsr-3910	127	5	nt	not	PART
fsr-3910	127	6	of	of	ADP
fsr-3910	127	7	ac	ac	PROPN
fsr-3910	127	8	co	co	PROPN
fsr-3910	127	9	un	un	PROPN
fsr-3910	127	10	t	t	PROPN
fsr-3910	127	11	co	co	PROPN
fsr-3910	127	12	nt	nt	PROPN
fsr-3910	127	13	rib	rib	PROPN
fsr-3910	127	14	ut	ut	PROPN
fsr-3910	127	15	io	io	PROPN
fsr-3910	127	16	ns	ns	INTJ
fsr-3910	127	17	be	be	AUX
fsr-3910	127	18	yo	yo	PROPN
fsr-3910	127	19	nd	nd	ADV
fsr-3910	127	20	20	20	NUM
fsr-3910	127	21	36	36	NUM
fsr-3910	127	22	de	de	X
fsr-3910	127	23	pe	pe	PROPN
fsr-3910	128	1	nd	nd	NOUN
fsr-3910	128	2	s	s	X
fsr-3910	128	3	on	on	ADP
fsr-3910	128	4	th	th	NUM
fsr-3910	128	5	e	e	NOUN
fsr-3910	128	6	am	be	AUX
fsr-3910	128	7	ou	ou	ADP
fsr-3910	128	8	nt	not	PART
fsr-3910	128	9	of	of	ADP
fsr-3910	128	10	o	o	PROPN
fsr-3910	128	11	a	a	DET
fsr-3910	128	12	s	s	X
fsr-3910	128	13	d	d	X
fsr-3910	128	14	i	i	PRON
fsr-3910	128	15	in	in	ADP
fsr-3910	128	16	co	co	NOUN
fsr-3910	128	17	m	m	PROPN
fsr-3910	128	18	e	e	X
fsr-3910	128	19	th	th	X
fsr-3910	128	20	at	at	ADP
fsr-3910	128	21	w	w	PROPN
fsr-3910	128	22	ou	ou	ADP
fsr-3910	128	23	ld	ld	PROPN
fsr-3910	128	24	no	no	DET
fsr-3910	128	25	t	t	NOUN
fsr-3910	128	26	be	be	AUX
fsr-3910	128	27	ne	ne	PROPN
fsr-3910	128	28	ed	ed	NOUN
fsr-3910	128	29	ed	ed	NOUN
fsr-3910	128	30	to	to	ADP
fsr-3910	128	31	in	in	ADP
fsr-3910	128	32	or	or	CCONJ
fsr-3910	128	33	de	de	ADP
fsr-3910	128	34	r	r	NOUN
fsr-3910	128	35	to	to	ADP
fsr-3910	128	36	m	m	NOUN
fsr-3910	128	37	ai	be	AUX
fsr-3910	128	38	nt	not	PART
fsr-3910	128	39	ai	ai	VERB
fsr-3910	128	40	n	n	ADV
fsr-3910	128	41	so	so	ADV
fsr-3910	128	42	lv	lv	PROPN
fsr-3910	128	43	en	en	PROPN
fsr-3910	128	44	cy	cy	PROPN
fsr-3910	128	45	of	of	ADP
fsr-3910	128	46	th	th	X
fsr-3910	128	47	e	e	X
fsr-3910	128	48	de	de	X
fsr-3910	128	49	fin	fin	PROPN
fsr-3910	128	50	ed	ed	NOUN
fsr-3910	128	51	be	be	AUX
fsr-3910	128	52	ne	ne	X
fsr-3910	128	53	fit	fit	ADJ
fsr-3910	128	54	pl	pl	PROPN
fsr-3910	128	55	an	an	PRON
fsr-3910	128	56	on	on	ADP
fsr-3910	128	57	a	a	DET
fsr-3910	128	58	pa	pa	PROPN
fsr-3910	128	59	yas	yas	PROPN
fsr-3910	128	60	-y	-y	PROPN
fsr-3910	128	61	ou	ou	PROPN
fsr-3910	128	62	go	go	VERB
fsr-3910	128	63	ba	ba	PROPN
fsr-3910	128	64	si	si	PROPN
fsr-3910	129	1	s	s	PROPN
fsr-3910	130	1	w	w	PROPN
fsr-3910	130	2	ith	ith	PROPN
fsr-3910	130	3	a	a	DET
fsr-3910	130	4	tr	tr	PUNCT
fsr-3910	130	5	us	us	PROPN
fsr-3910	130	6	t	t	PROPN
fsr-3910	130	7	fu	fu	PROPN
fsr-3910	130	8	nd	nd	INTJ
fsr-3910	130	9	ra	ra	PROPN
fsr-3910	130	10	tio	tio	NOUN
fsr-3910	130	11	of	of	ADP
fsr-3910	130	12	ab	ab	PROPN
fsr-3910	130	13	ou	ou	PROPN
fsr-3910	130	14	t	t	PROPN
fsr-3910	130	15	50	50	NUM
fsr-3910	130	16	pe	pe	INTJ
fsr-3910	130	17	rc	rc	PROPN
fsr-3910	130	18	en	en	PROPN
fsr-3910	130	19	t	t	PROPN
fsr-3910	130	20	of	of	ADP
fsr-3910	130	21	an	an	DET
fsr-3910	130	22	nu	nu	PROPN
fsr-3910	130	23	al	al	PROPN
fsr-3910	130	24	co	co	PROPN
fsr-3910	130	25	st	st	PROPN
fsr-3910	130	26	.	.	PUNCT
fsr-3910	131	1	e	e	PROPN
fsr-3910	131	2	s	s	PROPN
fsr-3910	131	3	oc	oc	AUX
fsr-3910	131	4	ia	ia	PROPN
fsr-3910	131	5	ls	ls	PROPN
fsr-3910	131	6	ec	ec	PROPN
fsr-3910	131	7	ur	ur	INTJ
fsr-3910	131	8	ity	ity	PROPN
fsr-3910	131	9	s	s	X
fsr-3910	131	10	ol	ol	PROPN
fsr-3910	131	11	ve	ve	PROPN
fsr-3910	131	12	nc	nc	PROPN
fsr-3910	131	13	y	y	PROPN
fsr-3910	131	14	a	a	DET
fsr-3910	131	15	ct	ct	NUM
fsr-3910	131	16	of	of	ADP
fsr-3910	131	17	19	19	NUM
fsr-3910	131	18	99	99	NUM
fsr-3910	131	19	(	(	PUNCT
fsr-3910	131	20	s	s	NOUN
fsr-3910	131	21	.	.	NOUN
fsr-3910	131	22	21	21	NUM
fsr-3910	131	23	)	)	PUNCT
fsr-3910	131	24	.	.	PUNCT
fsr-3910	132	1	f	f	PROPN
fsr-3910	132	2	t	t	PROPN
fsr-3910	133	1	he	he	PRON
fsr-3910	133	2	s	s	VERB
fsr-3910	133	3	oc	oc	AUX
fsr-3910	133	4	ia	ia	PROPN
fsr-3910	133	5	ls	ls	PROPN
fsr-3910	133	6	ec	ec	PROPN
fsr-3910	134	1	ur	ur	INTJ
fsr-3910	134	2	ity	ity	PROPN
fsr-3910	134	3	g	g	PROPN
fsr-3910	134	4	ua	ua	PROPN
fsr-3910	134	5	ra	ra	PROPN
fsr-3910	134	6	nt	not	PART
fsr-3910	134	7	ee	ee	VERB
fsr-3910	134	8	p	p	PROPN
fsr-3910	134	9	la	la	PROPN
fsr-3910	134	10	n.	n.	PROPN
fsr-3910	134	11	69j.l	69j.l	PROPN
fsr-3910	134	12	.	.	PUNCT
fsr-3910	135	1	vanderhei	vanderhei	PROPN
fsr-3910	135	2	,	,	PUNCT
fsr-3910	135	3	k.a	k.a	PROPN
fsr-3910	135	4	.	.	PROPN
fsr-3910	135	5	olsen	olsen	PROPN
fsr-3910	135	6	/	/	SYM
fsr-3910	135	7	financial	financial	ADJ
fsr-3910	135	8	services	service	NOUN
fsr-3910	135	9	review	review	VERB
fsr-3910	135	10	9	9	NUM
fsr-3910	135	11	(	(	PUNCT
fsr-3910	135	12	2000	2000	NUM
fsr-3910	135	13	)	)	PUNCT
fsr-3910	136	1	65–78	65–78	NUM
fsr-3910	136	2	way	way	NOUN
fsr-3910	136	3	,	,	PUNCT
fsr-3910	136	4	individual	individual	ADJ
fsr-3910	136	5	investment	investment	NOUN
fsr-3910	136	6	behavior	behavior	NOUN
fsr-3910	136	7	could	could	AUX
fsr-3910	136	8	significantly	significantly	ADV
fsr-3910	136	9	affect	affect	VERB
fsr-3910	136	10	retirees	retiree	NOUN
fsr-3910	136	11	’	'	PUNCT
fsr-3910	136	12	well	well	ADV
fsr-3910	136	13	being	be	AUX
fsr-3910	136	14	under	under	ADP
fsr-3910	136	15	this	this	DET
fsr-3910	136	16	reform	reform	NOUN
fsr-3910	136	17	option	option	NOUN
fsr-3910	136	18	.	.	PUNCT
fsr-3910	137	1	2.4	2.4	NUM
fsr-3910	137	2	.	.	PUNCT
fsr-3910	138	1	kasich	kasich	PROPN
fsr-3910	138	2	plan	plan	PROPN
fsr-3910	138	3	(	(	PUNCT
fsr-3910	138	4	1999	1999	NUM
fsr-3910	138	5	)	)	PUNCT
fsr-3910	138	6	the	the	DET
fsr-3910	138	7	kasich	kasich	PROPN
fsr-3910	138	8	plan	plan	NOUN
fsr-3910	138	9	gives	give	VERB
fsr-3910	138	10	workers	worker	NOUN
fsr-3910	138	11	an	an	DET
fsr-3910	138	12	irrevocable	irrevocable	ADJ
fsr-3910	138	13	option	option	NOUN
fsr-3910	138	14	to	to	PART
fsr-3910	138	15	participate	participate	VERB
fsr-3910	138	16	in	in	ADP
fsr-3910	138	17	an	an	DET
fsr-3910	138	18	ia	ia	NOUN
fsr-3910	138	19	system	system	NOUN
fsr-3910	138	20	,	,	PUNCT
fsr-3910	138	21	whereby	whereby	SCONJ
fsr-3910	138	22	the	the	DET
fsr-3910	138	23	government	government	NOUN
fsr-3910	138	24	would	would	AUX
fsr-3910	138	25	contribute	contribute	VERB
fsr-3910	138	26	to	to	ADP
fsr-3910	138	27	their	their	PRON
fsr-3910	138	28	personal	personal	ADJ
fsr-3910	138	29	accounts	account	NOUN
fsr-3910	138	30	(	(	PUNCT
fsr-3910	138	31	table	table	NOUN
fsr-3910	138	32	1	1	NUM
fsr-3910	138	33	)	)	PUNCT
fsr-3910	138	34	.	.	PUNCT
fsr-3910	139	1	the	the	DET
fsr-3910	139	2	amount	amount	NOUN
fsr-3910	139	3	that	that	PRON
fsr-3910	139	4	the	the	DET
fsr-3910	139	5	government	government	NOUN
fsr-3910	139	6	would	would	AUX
fsr-3910	139	7	contribute	contribute	VERB
fsr-3910	139	8	would	would	AUX
fsr-3910	139	9	be	be	AUX
fsr-3910	139	10	between	between	ADP
fsr-3910	139	11	1	1	NUM
fsr-3910	139	12	and	and	CCONJ
fsr-3910	139	13	3.5	3.5	NUM
fsr-3910	139	14	%	%	NOUN
fsr-3910	139	15	of	of	ADP
fsr-3910	139	16	the	the	DET
fsr-3910	139	17	individual	individual	NOUN
fsr-3910	139	18	’s	’s	PART
fsr-3910	139	19	taxable	taxable	ADJ
fsr-3910	139	20	payroll	payroll	NOUN
fsr-3910	139	21	,	,	PUNCT
fsr-3910	139	22	with	with	ADP
fsr-3910	139	23	higher	high	ADJ
fsr-3910	139	24	percentages	percentage	NOUN
fsr-3910	139	25	going	go	VERB
fsr-3910	139	26	to	to	PART
fsr-3910	139	27	lower	lower	ADV
fsr-3910	139	28	-	-	PUNCT
fsr-3910	139	29	earning	earn	VERB
fsr-3910	139	30	workers	worker	NOUN
fsr-3910	139	31	.	.	PUNCT
fsr-3910	140	1	workers	worker	NOUN
fsr-3910	140	2	would	would	AUX
fsr-3910	140	3	be	be	AUX
fsr-3910	140	4	provided	provide	VERB
fsr-3910	140	5	the	the	DET
fsr-3910	140	6	same	same	ADJ
fsr-3910	140	7	type	type	NOUN
fsr-3910	140	8	of	of	ADP
fsr-3910	140	9	investment	investment	NOUN
fsr-3910	140	10	options	option	NOUN
fsr-3910	140	11	that	that	PRON
fsr-3910	140	12	are	be	AUX
fsr-3910	140	13	available	available	ADJ
fsr-3910	140	14	to	to	ADP
fsr-3910	140	15	federal	federal	ADJ
fsr-3910	140	16	workers	worker	NOUN
fsr-3910	140	17	under	under	ADP
fsr-3910	140	18	the	the	DET
fsr-3910	140	19	tsp	tsp	NOUN
fsr-3910	140	20	.	.	PUNCT
fsr-3910	141	1	in	in	ADP
fsr-3910	141	2	exchange	exchange	NOUN
fsr-3910	141	3	for	for	ADP
fsr-3910	141	4	accepting	accept	VERB
fsr-3910	141	5	government	government	NOUN
fsr-3910	141	6	contributions	contribution	NOUN
fsr-3910	141	7	to	to	ADP
fsr-3910	141	8	their	their	PRON
fsr-3910	141	9	account	account	NOUN
fsr-3910	141	10	,	,	PUNCT
fsr-3910	141	11	the	the	DET
fsr-3910	141	12	individual	individual	NOUN
fsr-3910	141	13	would	would	AUX
fsr-3910	141	14	agree	agree	VERB
fsr-3910	141	15	to	to	PART
fsr-3910	141	16	accept	accept	VERB
fsr-3910	141	17	a	a	DET
fsr-3910	141	18	social	social	ADJ
fsr-3910	141	19	security	security	NOUN
fsr-3910	141	20	defined	define	VERB
fsr-3910	141	21	benefit	benefit	NOUN
fsr-3910	141	22	that	that	PRON
fsr-3910	141	23	would	would	AUX
fsr-3910	141	24	be	be	AUX
fsr-3910	141	25	reduced	reduce	VERB
fsr-3910	141	26	by	by	ADP
fsr-3910	141	27	the	the	DET
fsr-3910	141	28	number	number	NOUN
fsr-3910	141	29	of	of	ADP
fsr-3910	141	30	years	year	NOUN
fsr-3910	141	31	for	for	ADP
fsr-3910	141	32	which	which	PRON
fsr-3910	141	33	account	account	NOUN
fsr-3910	141	34	contributions	contribution	NOUN
fsr-3910	141	35	were	be	AUX
fsr-3910	141	36	made	make	VERB
fsr-3910	141	37	.	.	PUNCT
fsr-3910	142	1	obviously	obviously	ADV
fsr-3910	142	2	,	,	PUNCT
fsr-3910	142	3	the	the	DET
fsr-3910	142	4	extent	extent	NOUN
fsr-3910	142	5	to	to	PART
fsr-3910	142	6	which	which	PRON
fsr-3910	142	7	individual	individual	ADJ
fsr-3910	142	8	investment	investment	NOUN
fsr-3910	142	9	behavior	behavior	NOUN
fsr-3910	142	10	can	can	AUX
fsr-3910	142	11	produce	produce	VERB
fsr-3910	142	12	returns	return	NOUN
fsr-3910	142	13	that	that	PRON
fsr-3910	142	14	offset	offset	VERB
fsr-3910	142	15	or	or	CCONJ
fsr-3910	142	16	exceed	exceed	VERB
fsr-3910	142	17	the	the	DET
fsr-3910	142	18	worker	worker	NOUN
fsr-3910	142	19	’s	’s	PART
fsr-3910	142	20	reduced	reduce	VERB
fsr-3910	142	21	defined	define	VERB
fsr-3910	142	22	benefit	benefit	NOUN
fsr-3910	142	23	is	be	AUX
fsr-3910	142	24	crucial	crucial	ADJ
fsr-3910	142	25	to	to	ADP
fsr-3910	142	26	predicting	predict	VERB
fsr-3910	142	27	outcomes	outcome	NOUN
fsr-3910	142	28	under	under	ADP
fsr-3910	142	29	the	the	DET
fsr-3910	142	30	kasich	kasich	PROPN
fsr-3910	142	31	plan	plan	PROPN
fsr-3910	142	32	.	.	PUNCT
fsr-3910	143	1	2.5	2.5	NUM
fsr-3910	143	2	.	.	PUNCT
fsr-3910	144	1	the	the	DET
fsr-3910	144	2	social	social	ADJ
fsr-3910	144	3	security	security	NOUN
fsr-3910	144	4	guarantee	guarantee	NOUN
fsr-3910	144	5	plan	plan	NOUN
fsr-3910	144	6	(	(	PUNCT
fsr-3910	144	7	1999	1999	NUM
fsr-3910	144	8	)	)	PUNCT
fsr-3910	144	9	this	this	DET
fsr-3910	144	10	plan	plan	NOUN
fsr-3910	144	11	takes	take	VERB
fsr-3910	144	12	a	a	DET
fsr-3910	144	13	novel	novel	ADJ
fsr-3910	144	14	approach	approach	NOUN
fsr-3910	144	15	to	to	ADP
fsr-3910	144	16	individual	individual	ADJ
fsr-3910	144	17	accounts	account	NOUN
fsr-3910	144	18	(	(	PUNCT
fsr-3910	144	19	table	table	NOUN
fsr-3910	144	20	1	1	NUM
fsr-3910	144	21	)	)	PUNCT
fsr-3910	144	22	.	.	PUNCT
fsr-3910	145	1	in	in	ADP
fsr-3910	145	2	a	a	DET
fsr-3910	145	3	sense	sense	NOUN
fsr-3910	145	4	,	,	PUNCT
fsr-3910	145	5	the	the	DET
fsr-3910	145	6	archer	archer	PROPN
fsr-3910	145	7	-	-	PUNCT
fsr-3910	145	8	shaw	shaw	PROPN
fsr-3910	145	9	plan	plan	NOUN
fsr-3910	145	10	is	be	AUX
fsr-3910	145	11	a	a	DET
fsr-3910	145	12	new	new	ADJ
fsr-3910	145	13	type	type	NOUN
fsr-3910	145	14	of	of	ADP
fsr-3910	145	15	hybrid	hybrid	NOUN
fsr-3910	145	16	between	between	ADP
fsr-3910	145	17	defined	define	VERB
fsr-3910	145	18	benefit	benefit	NOUN
fsr-3910	145	19	and	and	CCONJ
fsr-3910	145	20	defined	define	VERB
fsr-3910	145	21	contribution	contribution	NOUN
fsr-3910	145	22	plans	plan	NOUN
fsr-3910	145	23	.	.	PUNCT
fsr-3910	146	1	while	while	SCONJ
fsr-3910	146	2	archer	archer	PROPN
fsr-3910	146	3	-	-	PUNCT
fsr-3910	146	4	shaw	shaw	PROPN
fsr-3910	146	5	includes	include	VERB
fsr-3910	146	6	individual	individual	ADJ
fsr-3910	146	7	accounts	account	NOUN
fsr-3910	146	8	and	and	CCONJ
fsr-3910	146	9	allows	allow	VERB
fsr-3910	146	10	participants	participant	NOUN
fsr-3910	146	11	to	to	PART
fsr-3910	146	12	benefit	benefit	VERB
fsr-3910	146	13	from	from	ADP
fsr-3910	146	14	up	up	ADJ
fsr-3910	146	15	-	-	PUNCT
fsr-3910	146	16	side	side	NOUN
fsr-3910	146	17	investment	investment	NOUN
fsr-3910	146	18	risk	risk	NOUN
fsr-3910	146	19	,	,	PUNCT
fsr-3910	146	20	the	the	DET
fsr-3910	146	21	social	social	ADJ
fsr-3910	146	22	security	security	NOUN
fsr-3910	146	23	program	program	NOUN
fsr-3910	146	24	eventually	eventually	ADV
fsr-3910	146	25	recaptures	recapture	VERB
fsr-3910	146	26	the	the	DET
fsr-3910	146	27	entire	entire	ADJ
fsr-3910	146	28	account	account	NOUN
fsr-3910	146	29	balance	balance	NOUN
fsr-3910	146	30	and	and	CCONJ
fsr-3910	146	31	protects	protect	VERB
fsr-3910	146	32	workers	worker	NOUN
fsr-3910	146	33	from	from	ADP
fsr-3910	146	34	downside	downside	ADJ
fsr-3910	146	35	investment	investment	NOUN
fsr-3910	146	36	risk	risk	NOUN
fsr-3910	146	37	,	,	PUNCT
fsr-3910	146	38	inflation	inflation	NOUN
fsr-3910	146	39	risk	risk	NOUN
fsr-3910	146	40	,	,	PUNCT
fsr-3910	146	41	and	and	CCONJ
fsr-3910	146	42	longevity	longevity	NOUN
fsr-3910	146	43	risk	risk	NOUN
fsr-3910	146	44	.	.	PUNCT
fsr-3910	147	1	although	although	SCONJ
fsr-3910	147	2	individuals	individual	NOUN
fsr-3910	147	3	would	would	AUX
fsr-3910	147	4	manage	manage	VERB
fsr-3910	147	5	their	their	PRON
fsr-3910	147	6	own	own	ADJ
fsr-3910	147	7	accounts	account	NOUN
fsr-3910	147	8	,	,	PUNCT
fsr-3910	147	9	such	such	ADJ
fsr-3910	147	10	management	management	NOUN
fsr-3910	147	11	would	would	AUX
fsr-3910	147	12	be	be	AUX
fsr-3910	147	13	limited	limit	VERB
fsr-3910	147	14	to	to	ADP
fsr-3910	147	15	the	the	DET
fsr-3910	147	16	choice	choice	NOUN
fsr-3910	147	17	of	of	ADP
fsr-3910	147	18	one	one	NUM
fsr-3910	147	19	’s	’s	PART
fsr-3910	147	20	qualified	qualified	ADJ
fsr-3910	147	21	mutual	mutual	ADJ
fsr-3910	147	22	fund	fund	NOUN
fsr-3910	147	23	provider	provider	NOUN
fsr-3910	147	24	.	.	PUNCT
fsr-3910	148	1	for	for	ADP
fsr-3910	148	2	purposes	purpose	NOUN
fsr-3910	148	3	of	of	ADP
fsr-3910	148	4	social	social	ADJ
fsr-3910	148	5	security	security	NOUN
fsr-3910	148	6	accounts	account	NOUN
fsr-3910	148	7	,	,	PUNCT
fsr-3910	148	8	these	these	DET
fsr-3910	148	9	providers	provider	NOUN
fsr-3910	148	10	would	would	AUX
fsr-3910	148	11	be	be	AUX
fsr-3910	148	12	required	require	VERB
fsr-3910	148	13	to	to	PART
fsr-3910	148	14	offer	offer	VERB
fsr-3910	148	15	only	only	ADV
fsr-3910	148	16	investments	investment	NOUN
fsr-3910	148	17	with	with	ADP
fsr-3910	148	18	a	a	DET
fsr-3910	148	19	portfolio	portfolio	NOUN
fsr-3910	148	20	allocation	allocation	NOUN
fsr-3910	148	21	of	of	ADP
fsr-3910	148	22	60	60	NUM
fsr-3910	148	23	%	%	NOUN
fsr-3910	148	24	indexed	index	VERB
fsr-3910	148	25	equities	equity	NOUN
fsr-3910	148	26	and	and	CCONJ
fsr-3910	148	27	40	40	NUM
fsr-3910	148	28	%	%	NOUN
fsr-3910	148	29	corporate	corporate	ADJ
fsr-3910	148	30	bonds	bond	NOUN
fsr-3910	148	31	.	.	PUNCT
fsr-3910	149	1	at	at	ADP
fsr-3910	149	2	retirement	retirement	NOUN
fsr-3910	149	3	or	or	CCONJ
fsr-3910	149	4	disability	disability	NOUN
fsr-3910	149	5	,	,	PUNCT
fsr-3910	149	6	the	the	DET
fsr-3910	149	7	social	social	ADJ
fsr-3910	149	8	security	security	NOUN
fsr-3910	149	9	administration	administration	NOUN
fsr-3910	149	10	would	would	AUX
fsr-3910	149	11	use	use	VERB
fsr-3910	149	12	a	a	DET
fsr-3910	149	13	formula	formula	NOUN
fsr-3910	149	14	to	to	PART
fsr-3910	149	15	determine	determine	VERB
fsr-3910	149	16	whether	whether	SCONJ
fsr-3910	149	17	a	a	DET
fsr-3910	149	18	participant	participant	NOUN
fsr-3910	149	19	’s	’s	PART
fsr-3910	149	20	account	account	NOUN
fsr-3910	149	21	balance	balance	NOUN
fsr-3910	149	22	was	be	AUX
fsr-3910	149	23	adequate	adequate	ADJ
fsr-3910	149	24	to	to	PART
fsr-3910	149	25	provide	provide	VERB
fsr-3910	149	26	a	a	DET
fsr-3910	149	27	benefit	benefit	NOUN
fsr-3910	149	28	equal	equal	ADJ
fsr-3910	149	29	to	to	ADP
fsr-3910	149	30	that	that	PRON
fsr-3910	149	31	available	available	ADJ
fsr-3910	149	32	under	under	ADP
fsr-3910	149	33	the	the	DET
fsr-3910	149	34	currentlaw	currentlaw	ADJ
fsr-3910	149	35	social	social	ADJ
fsr-3910	149	36	security	security	NOUN
fsr-3910	149	37	program	program	NOUN
fsr-3910	149	38	.	.	PUNCT
fsr-3910	150	1	if	if	SCONJ
fsr-3910	150	2	the	the	DET
fsr-3910	150	3	result	result	NOUN
fsr-3910	150	4	of	of	ADP
fsr-3910	150	5	this	this	DET
fsr-3910	150	6	formula	formula	NOUN
fsr-3910	150	7	shows	show	VERB
fsr-3910	150	8	that	that	SCONJ
fsr-3910	150	9	the	the	DET
fsr-3910	150	10	account	account	NOUN
fsr-3910	150	11	to	to	PART
fsr-3910	150	12	be	be	AUX
fsr-3910	150	13	inadequate	inadequate	ADJ
fsr-3910	150	14	,	,	PUNCT
fsr-3910	150	15	then	then	ADV
fsr-3910	150	16	social	social	ADJ
fsr-3910	150	17	security	security	NOUN
fsr-3910	150	18	’s	’s	PART
fsr-3910	150	19	defined	define	VERB
fsr-3910	150	20	benefit	benefit	NOUN
fsr-3910	150	21	program	program	NOUN
fsr-3910	150	22	would	would	AUX
fsr-3910	150	23	cover	cover	VERB
fsr-3910	150	24	the	the	DET
fsr-3910	150	25	difference	difference	NOUN
fsr-3910	150	26	,	,	PUNCT
fsr-3910	150	27	and	and	CCONJ
fsr-3910	150	28	social	social	ADJ
fsr-3910	150	29	security	security	NOUN
fsr-3910	150	30	would	would	AUX
fsr-3910	150	31	pay	pay	VERB
fsr-3910	150	32	benefits	benefit	NOUN
fsr-3910	150	33	in	in	ADP
fsr-3910	150	34	the	the	DET
fsr-3910	150	35	form	form	NOUN
fsr-3910	150	36	of	of	ADP
fsr-3910	150	37	a	a	DET
fsr-3910	150	38	life	life	NOUN
fsr-3910	150	39	annuity	annuity	NOUN
fsr-3910	150	40	,	,	PUNCT
fsr-3910	150	41	just	just	ADV
fsr-3910	150	42	as	as	SCONJ
fsr-3910	150	43	under	under	ADP
fsr-3910	150	44	current	current	ADJ
fsr-3910	150	45	law	law	NOUN
fsr-3910	150	46	.	.	PUNCT
fsr-3910	151	1	alternatively	alternatively	ADV
fsr-3910	151	2	,	,	PUNCT
fsr-3910	151	3	if	if	SCONJ
fsr-3910	151	4	the	the	DET
fsr-3910	151	5	result	result	NOUN
fsr-3910	151	6	of	of	ADP
fsr-3910	151	7	the	the	DET
fsr-3910	151	8	formula	formula	NOUN
fsr-3910	151	9	was	be	AUX
fsr-3910	151	10	a	a	DET
fsr-3910	151	11	higher	high	ADJ
fsr-3910	151	12	benefit	benefit	NOUN
fsr-3910	151	13	than	than	SCONJ
fsr-3910	151	14	the	the	DET
fsr-3910	151	15	beneficiary	beneficiary	NOUN
fsr-3910	151	16	would	would	AUX
fsr-3910	151	17	be	be	AUX
fsr-3910	151	18	entitled	entitle	VERB
fsr-3910	151	19	to	to	ADP
fsr-3910	151	20	under	under	ADP
fsr-3910	151	21	current	current	ADJ
fsr-3910	151	22	-	-	PUNCT
fsr-3910	151	23	law	law	NOUN
fsr-3910	151	24	,	,	PUNCT
fsr-3910	151	25	then	then	ADV
fsr-3910	151	26	social	social	ADJ
fsr-3910	151	27	security	security	NOUN
fsr-3910	151	28	pays	pay	VERB
fsr-3910	151	29	the	the	DET
fsr-3910	151	30	beneficiary	beneficiary	NOUN
fsr-3910	151	31	a	a	DET
fsr-3910	151	32	life	life	NOUN
fsr-3910	151	33	annuity	annuity	NOUN
fsr-3910	151	34	greater	great	ADJ
fsr-3910	151	35	than	than	ADP
fsr-3910	151	36	the	the	DET
fsr-3910	151	37	current	current	ADJ
fsr-3910	151	38	-	-	PUNCT
fsr-3910	151	39	law	law	NOUN
fsr-3910	151	40	benefit	benefit	NOUN
fsr-3910	151	41	.	.	PUNCT
fsr-3910	152	1	either	either	CCONJ
fsr-3910	152	2	way	way	NOUN
fsr-3910	152	3	,	,	PUNCT
fsr-3910	152	4	the	the	DET
fsr-3910	152	5	entire	entire	ADJ
fsr-3910	152	6	balance	balance	NOUN
fsr-3910	152	7	of	of	ADP
fsr-3910	152	8	the	the	DET
fsr-3910	152	9	individual	individual	ADJ
fsr-3910	152	10	account	account	NOUN
fsr-3910	152	11	is	be	AUX
fsr-3910	152	12	gradually	gradually	ADV
fsr-3910	152	13	transferred	transfer	VERB
fsr-3910	152	14	to	to	ADP
fsr-3910	152	15	the	the	DET
fsr-3910	152	16	social	social	ADJ
fsr-3910	152	17	security	security	NOUN
fsr-3910	152	18	trust	trust	NOUN
fsr-3910	152	19	funds	fund	NOUN
fsr-3910	152	20	,	,	PUNCT
fsr-3910	152	21	and	and	CCONJ
fsr-3910	152	22	for	for	ADP
fsr-3910	152	23	about	about	ADV
fsr-3910	152	24	half	half	NOUN
fsr-3910	152	25	of	of	ADP
fsr-3910	152	26	all	all	DET
fsr-3910	152	27	participants	participant	NOUN
fsr-3910	152	28	who	who	PRON
fsr-3910	152	29	will	will	AUX
fsr-3910	152	30	live	live	VERB
fsr-3910	152	31	beyond	beyond	ADP
fsr-3910	152	32	their	their	PRON
fsr-3910	152	33	life	life	NOUN
fsr-3910	152	34	expectancy	expectancy	NOUN
fsr-3910	152	35	,	,	PUNCT
fsr-3910	152	36	social	social	ADJ
fsr-3910	152	37	security	security	NOUN
fsr-3910	152	38	’s	’s	PART
fsr-3910	152	39	defined	define	VERB
fsr-3910	152	40	benefit	benefit	NOUN
fsr-3910	152	41	program	program	NOUN
fsr-3910	152	42	would	would	AUX
fsr-3910	152	43	pay	pay	VERB
fsr-3910	152	44	benefits	benefit	NOUN
fsr-3910	152	45	entirely	entirely	ADV
fsr-3910	152	46	after	after	ADP
fsr-3910	152	47	the	the	DET
fsr-3910	152	48	exhaustion	exhaustion	NOUN
fsr-3910	152	49	of	of	ADP
fsr-3910	152	50	their	their	PRON
fsr-3910	152	51	individual	individual	ADJ
fsr-3910	152	52	account	account	NOUN
fsr-3910	152	53	assets	asset	NOUN
fsr-3910	152	54	.	.	PUNCT
fsr-3910	153	1	because	because	SCONJ
fsr-3910	153	2	individual	individual	ADJ
fsr-3910	153	3	account	account	NOUN
fsr-3910	153	4	investment	investment	NOUN
fsr-3910	153	5	behavior	behavior	NOUN
fsr-3910	153	6	is	be	AUX
fsr-3910	153	7	so	so	ADV
fsr-3910	153	8	constrained	constrain	VERB
fsr-3910	153	9	under	under	ADP
fsr-3910	153	10	archer	archer	NOUN
fsr-3910	153	11	-	-	PUNCT
fsr-3910	153	12	shaw	shaw	NOUN
fsr-3910	153	13	,	,	PUNCT
fsr-3910	153	14	this	this	DET
fsr-3910	153	15	plan	plan	NOUN
fsr-3910	153	16	’s	’s	PART
fsr-3910	153	17	outcome	outcome	NOUN
fsr-3910	153	18	depends	depend	VERB
fsr-3910	153	19	least	least	ADJ
fsr-3910	153	20	on	on	ADP
fsr-3910	153	21	individual	individual	ADJ
fsr-3910	153	22	asset	asset	NOUN
fsr-3910	153	23	allocation	allocation	NOUN
fsr-3910	153	24	when	when	SCONJ
fsr-3910	153	25	compared	compare	VERB
fsr-3910	153	26	to	to	ADP
fsr-3910	153	27	other	other	ADJ
fsr-3910	153	28	plans	plan	NOUN
fsr-3910	153	29	described	describe	VERB
fsr-3910	153	30	above	above	ADV
fsr-3910	153	31	.	.	PUNCT
fsr-3910	154	1	70	70	NUM
fsr-3910	154	2	j.l	j.l	PROPN
fsr-3910	154	3	.	.	PROPN
fsr-3910	154	4	vanderhei	vanderhei	PROPN
fsr-3910	154	5	,	,	PUNCT
fsr-3910	154	6	k.a	k.a	PROPN
fsr-3910	154	7	.	.	PROPN
fsr-3910	154	8	olsen	olsen	PROPN
fsr-3910	154	9	/	/	SYM
fsr-3910	154	10	financial	financial	ADJ
fsr-3910	154	11	services	service	NOUN
fsr-3910	154	12	review	review	VERB
fsr-3910	154	13	9	9	NUM
fsr-3910	154	14	(	(	PUNCT
fsr-3910	154	15	2000	2000	NUM
fsr-3910	154	16	)	)	PUNCT
fsr-3910	154	17	65–78	65–78	NUM
fsr-3910	154	18	3	3	NUM
fsr-3910	154	19	.	.	X
fsr-3910	154	20	401(k	401(k	NOUN
fsr-3910	154	21	)	)	PUNCT
fsr-3910	154	22	participant	participant	ADJ
fsr-3910	154	23	behavior	behavior	NOUN
fsr-3910	154	24	3.1	3.1	NUM
fsr-3910	154	25	.	.	PUNCT
fsr-3910	155	1	relevance	relevance	NOUN
fsr-3910	155	2	and	and	CCONJ
fsr-3910	155	3	applicability	applicability	NOUN
fsr-3910	155	4	to	to	ADP
fsr-3910	155	5	ias	ias	PROPN
fsr-3910	155	6	due	due	ADP
fsr-3910	155	7	to	to	ADP
fsr-3910	155	8	their	their	PRON
fsr-3910	155	9	preeminence	preeminence	NOUN
fsr-3910	155	10	in	in	ADP
fsr-3910	155	11	the	the	DET
fsr-3910	155	12	defined	define	VERB
fsr-3910	155	13	contribution	contribution	NOUN
fsr-3910	155	14	plan	plan	NOUN
fsr-3910	155	15	world	world	NOUN
fsr-3910	155	16	,	,	PUNCT
fsr-3910	155	17	401(k	401(k	PROPN
fsr-3910	155	18	)	)	PUNCT
fsr-3910	155	19	plans	plan	NOUN
fsr-3910	155	20	are	be	AUX
fsr-3910	155	21	the	the	DET
fsr-3910	155	22	closest	close	ADJ
fsr-3910	155	23	existing	exist	VERB
fsr-3910	155	24	model	model	NOUN
fsr-3910	155	25	to	to	AUX
fsr-3910	155	26	ias	ias	VERB
fsr-3910	155	27	in	in	ADP
fsr-3910	155	28	terms	term	NOUN
fsr-3910	155	29	of	of	ADP
fsr-3910	155	30	how	how	SCONJ
fsr-3910	155	31	large	large	ADJ
fsr-3910	155	32	numbers	number	NOUN
fsr-3910	155	33	of	of	ADP
fsr-3910	155	34	workers	worker	NOUN
fsr-3910	155	35	would	would	AUX
fsr-3910	155	36	invest	invest	VERB
fsr-3910	155	37	their	their	PRON
fsr-3910	155	38	account	account	NOUN
fsr-3910	155	39	balances	balance	NOUN
fsr-3910	155	40	.	.	PUNCT
fsr-3910	156	1	however	however	ADV
fsr-3910	156	2	,	,	PUNCT
fsr-3910	156	3	it	it	PRON
fsr-3910	156	4	should	should	AUX
fsr-3910	156	5	be	be	AUX
fsr-3910	156	6	noted	note	VERB
fsr-3910	156	7	that	that	SCONJ
fsr-3910	156	8	the	the	DET
fsr-3910	156	9	populations	population	NOUN
fsr-3910	156	10	covered	cover	VERB
fsr-3910	156	11	by	by	ADP
fsr-3910	156	12	401(k	401(k	NOUN
fsr-3910	156	13	)	)	PUNCT
fsr-3910	156	14	plans	plan	NOUN
fsr-3910	156	15	differ	differ	VERB
fsr-3910	156	16	substantially	substantially	ADV
fsr-3910	156	17	in	in	ADP
fsr-3910	156	18	terms	term	NOUN
fsr-3910	156	19	of	of	ADP
fsr-3910	156	20	income	income	NOUN
fsr-3910	156	21	and	and	CCONJ
fsr-3910	156	22	other	other	ADJ
fsr-3910	156	23	demographic	demographic	ADJ
fsr-3910	156	24	variables	variable	NOUN
fsr-3910	156	25	from	from	ADP
fsr-3910	156	26	the	the	DET
fsr-3910	156	27	96	96	NUM
fsr-3910	156	28	%	%	NOUN
fsr-3910	156	29	of	of	ADP
fsr-3910	156	30	the	the	DET
fsr-3910	156	31	u.s	u.s	PROPN
fsr-3910	156	32	.	.	PROPN
fsr-3910	156	33	workforce	workforce	NOUN
fsr-3910	156	34	that	that	PRON
fsr-3910	156	35	is	be	AUX
fsr-3910	156	36	covered	cover	VERB
fsr-3910	156	37	by	by	ADP
fsr-3910	156	38	social	social	ADJ
fsr-3910	156	39	security	security	NOUN
fsr-3910	156	40	(	(	PUNCT
fsr-3910	156	41	vanderhei	vanderhei	PROPN
fsr-3910	156	42	,	,	PUNCT
fsr-3910	156	43	1999a	1999a	NUM
fsr-3910	156	44	)	)	PUNCT
fsr-3910	156	45	.	.	PUNCT
fsr-3910	157	1	in	in	ADP
fsr-3910	157	2	addition	addition	NOUN
fsr-3910	157	3	,	,	PUNCT
fsr-3910	157	4	to	to	ADP
fsr-3910	157	5	the	the	DET
fsr-3910	157	6	extent	extent	NOUN
fsr-3910	157	7	that	that	SCONJ
fsr-3910	157	8	401(k	401(k	NOUN
fsr-3910	157	9	)	)	PUNCT
fsr-3910	157	10	behavior	behavior	NOUN
fsr-3910	157	11	is	be	AUX
fsr-3910	157	12	influenced	influence	VERB
fsr-3910	157	13	by	by	ADP
fsr-3910	157	14	the	the	DET
fsr-3910	157	15	existence	existence	NOUN
fsr-3910	157	16	of	of	ADP
fsr-3910	157	17	a	a	DET
fsr-3910	157	18	totally	totally	ADV
fsr-3910	157	19	defined	define	VERB
fsr-3910	157	20	benefit	benefit	NOUN
fsr-3910	157	21	social	social	ADJ
fsr-3910	157	22	security	security	NOUN
fsr-3910	157	23	promise	promise	NOUN
fsr-3910	157	24	,	,	PUNCT
fsr-3910	157	25	current	current	ADJ
fsr-3910	157	26	401(k	401(k	PROPN
fsr-3910	157	27	)	)	PUNCT
fsr-3910	157	28	investment	investment	NOUN
fsr-3910	157	29	behavior	behavior	NOUN
fsr-3910	157	30	may	may	AUX
fsr-3910	157	31	differ	differ	VERB
fsr-3910	157	32	from	from	ADP
fsr-3910	157	33	ia	ia	PROPN
fsr-3910	157	34	investment	investment	NOUN
fsr-3910	157	35	behavior	behavior	NOUN
fsr-3910	157	36	.	.	PUNCT
fsr-3910	158	1	in	in	ADP
fsr-3910	158	2	1981	1981	NUM
fsr-3910	158	3	,	,	PUNCT
fsr-3910	158	4	the	the	DET
fsr-3910	158	5	irs	irs	PROPN
fsr-3910	158	6	issued	issue	VERB
fsr-3910	158	7	preliminary	preliminary	ADJ
fsr-3910	158	8	regulations	regulation	NOUN
fsr-3910	158	9	that	that	PRON
fsr-3910	158	10	set	set	VERB
fsr-3910	158	11	the	the	DET
fsr-3910	158	12	stage	stage	NOUN
fsr-3910	158	13	for	for	ADP
fsr-3910	158	14	the	the	DET
fsr-3910	158	15	proliferation	proliferation	NOUN
fsr-3910	158	16	of	of	ADP
fsr-3910	158	17	401(k	401(k	NOUN
fsr-3910	158	18	)	)	PUNCT
fsr-3910	158	19	plans	plan	NOUN
fsr-3910	158	20	,	,	PUNCT
fsr-3910	158	21	which	which	PRON
fsr-3910	158	22	accounted	account	VERB
fsr-3910	158	23	for	for	ADP
fsr-3910	158	24	over	over	ADP
fsr-3910	158	25	three	three	NUM
fsr-3910	158	26	-	-	PUNCT
fsr-3910	158	27	quarters	quarter	NOUN
fsr-3910	158	28	of	of	ADP
fsr-3910	158	29	the	the	DET
fsr-3910	158	30	net	net	ADJ
fsr-3910	158	31	increase	increase	NOUN
fsr-3910	158	32	in	in	ADP
fsr-3910	158	33	all	all	DET
fsr-3910	158	34	private	private	ADJ
fsr-3910	158	35	pension	pension	NOUN
fsr-3910	158	36	plans	plan	NOUN
fsr-3910	158	37	from	from	ADP
fsr-3910	158	38	1980–1995	1980–1995	NUM
fsr-3910	158	39	.	.	PUNCT
fsr-3910	159	1	by	by	ADP
fsr-3910	159	2	1995	1995	NUM
fsr-3910	159	3	(	(	PUNCT
fsr-3910	159	4	the	the	DET
fsr-3910	159	5	most	most	ADV
fsr-3910	159	6	recent	recent	ADJ
fsr-3910	159	7	data	datum	NOUN
fsr-3910	159	8	available	available	ADJ
fsr-3910	159	9	)	)	PUNCT
fsr-3910	159	10	,	,	PUNCT
fsr-3910	159	11	401(k	401(k	PROPN
fsr-3910	159	12	)	)	PUNCT
fsr-3910	159	13	plan	plan	NOUN
fsr-3910	159	14	contributions	contribution	NOUN
fsr-3910	159	15	accounted	account	VERB
fsr-3910	159	16	for	for	ADP
fsr-3910	159	17	more	more	ADJ
fsr-3910	159	18	than	than	ADP
fsr-3910	159	19	half	half	NOUN
fsr-3910	159	20	of	of	ADP
fsr-3910	159	21	all	all	DET
fsr-3910	159	22	new	new	ADJ
fsr-3910	159	23	defined	define	VERB
fsr-3910	159	24	benefit	benefit	NOUN
fsr-3910	159	25	and	and	CCONJ
fsr-3910	159	26	defined	define	VERB
fsr-3910	159	27	contribution	contribution	NOUN
fsr-3910	159	28	retirement	retirement	NOUN
fsr-3910	159	29	plan	plan	NOUN
fsr-3910	159	30	contributions	contribution	NOUN
fsr-3910	159	31	(	(	PUNCT
fsr-3910	159	32	u.s	u.s	PROPN
fsr-3910	159	33	.	.	PROPN
fsr-3910	159	34	department	department	PROPN
fsr-3910	159	35	of	of	ADP
fsr-3910	159	36	labor	labor	NOUN
fsr-3910	159	37	,	,	PUNCT
fsr-3910	159	38	1999	1999	NUM
fsr-3910	159	39	)	)	PUNCT
fsr-3910	159	40	.	.	PUNCT
fsr-3910	160	1	as	as	ADP
fsr-3910	160	2	a	a	DET
fsr-3910	160	3	result	result	NOUN
fsr-3910	160	4	,	,	PUNCT
fsr-3910	160	5	more	more	ADJ
fsr-3910	160	6	and	and	CCONJ
fsr-3910	160	7	more	more	ADJ
fsr-3910	160	8	individuals	individual	NOUN
fsr-3910	160	9	have	have	VERB
fsr-3910	160	10	a	a	DET
fsr-3910	160	11	direct	direct	ADJ
fsr-3910	160	12	stake	stake	NOUN
fsr-3910	160	13	in	in	ADP
fsr-3910	160	14	the	the	DET
fsr-3910	160	15	equities	equity	NOUN
fsr-3910	160	16	market	market	NOUN
fsr-3910	160	17	,	,	PUNCT
fsr-3910	160	18	as	as	SCONJ
fsr-3910	160	19	evidenced	evidence	VERB
fsr-3910	160	20	by	by	ADP
fsr-3910	160	21	the	the	DET
fsr-3910	160	22	number	number	NOUN
fsr-3910	160	23	of	of	ADP
fsr-3910	160	24	households	household	NOUN
fsr-3910	160	25	that	that	PRON
fsr-3910	160	26	own	own	VERB
fsr-3910	160	27	mutual	mutual	ADJ
fsr-3910	160	28	fund	fund	NOUN
fsr-3910	160	29	shares	share	NOUN
fsr-3910	160	30	.	.	PUNCT
fsr-3910	161	1	mutual	mutual	ADJ
fsr-3910	161	2	funds	fund	NOUN
fsr-3910	161	3	are	be	AUX
fsr-3910	161	4	one	one	NUM
fsr-3910	161	5	gauge	gauge	NOUN
fsr-3910	161	6	of	of	ADP
fsr-3910	161	7	how	how	SCONJ
fsr-3910	161	8	401(k	401(k	NOUN
fsr-3910	161	9	)	)	PUNCT
fsr-3910	161	10	plans	plan	NOUN
fsr-3910	161	11	have	have	AUX
fsr-3910	161	12	brought	bring	VERB
fsr-3910	161	13	individuals	individual	NOUN
fsr-3910	161	14	into	into	ADP
fsr-3910	161	15	the	the	DET
fsr-3910	161	16	market	market	NOUN
fsr-3910	161	17	,	,	PUNCT
fsr-3910	161	18	since	since	SCONJ
fsr-3910	161	19	35	35	NUM
fsr-3910	161	20	%	%	NOUN
fsr-3910	161	21	of	of	ADP
fsr-3910	161	22	mutual	mutual	ADJ
fsr-3910	161	23	fund	fund	NOUN
fsr-3910	161	24	assets	asset	NOUN
fsr-3910	161	25	are	be	AUX
fsr-3910	161	26	held	hold	VERB
fsr-3910	161	27	in	in	ADP
fsr-3910	161	28	retirement	retirement	NOUN
fsr-3910	161	29	plans	plan	NOUN
fsr-3910	161	30	(	(	PUNCT
fsr-3910	161	31	investment	investment	NOUN
fsr-3910	161	32	company	company	NOUN
fsr-3910	161	33	institute	institute	NOUN
fsr-3910	161	34	,	,	PUNCT
fsr-3910	161	35	1999	1999	NUM
fsr-3910	161	36	)	)	PUNCT
fsr-3910	161	37	.	.	PUNCT
fsr-3910	162	1	3.2	3.2	NUM
fsr-3910	162	2	.	.	PUNCT
fsr-3910	163	1	previous	previous	ADJ
fsr-3910	163	2	research	research	NOUN
fsr-3910	163	3	on	on	ADP
fsr-3910	163	4	401(k	401(k	PROPN
fsr-3910	163	5	)	)	PUNCT
fsr-3910	163	6	investment	investment	NOUN
fsr-3910	163	7	behavior	behavior	NOUN
fsr-3910	163	8	despite	despite	SCONJ
fsr-3910	163	9	the	the	DET
fsr-3910	163	10	importance	importance	NOUN
fsr-3910	163	11	of	of	ADP
fsr-3910	163	12	401(k	401(k	NOUN
fsr-3910	163	13	)	)	PUNCT
fsr-3910	163	14	asset	asset	NOUN
fsr-3910	163	15	allocation	allocation	NOUN
fsr-3910	163	16	behavior	behavior	NOUN
fsr-3910	163	17	as	as	ADP
fsr-3910	163	18	the	the	DET
fsr-3910	163	19	closet	closet	NOUN
fsr-3910	163	20	available	available	ADJ
fsr-3910	163	21	model	model	NOUN
fsr-3910	163	22	by	by	ADP
fsr-3910	163	23	which	which	PRON
fsr-3910	163	24	to	to	PART
fsr-3910	163	25	estimate	estimate	VERB
fsr-3910	163	26	possible	possible	ADJ
fsr-3910	163	27	ia	ia	PROPN
fsr-3910	163	28	behavior	behavior	NOUN
fsr-3910	163	29	,	,	PUNCT
fsr-3910	163	30	previous	previous	ADJ
fsr-3910	163	31	401(k	401(k	PROPN
fsr-3910	163	32	)	)	PUNCT
fsr-3910	163	33	studies	study	NOUN
fsr-3910	163	34	unfortunately	unfortunately	ADV
fsr-3910	163	35	have	have	AUX
fsr-3910	163	36	provided	provide	VERB
fsr-3910	163	37	limited	limited	ADJ
fsr-3910	163	38	information	information	NOUN
fsr-3910	163	39	.	.	PUNCT
fsr-3910	164	1	as	as	ADP
fsr-3910	164	2	a	a	DET
fsr-3910	164	3	result	result	NOUN
fsr-3910	164	4	,	,	PUNCT
fsr-3910	164	5	analysts	analyst	NOUN
fsr-3910	164	6	generally	generally	ADV
fsr-3910	164	7	have	have	AUX
fsr-3910	164	8	estimated	estimate	VERB
fsr-3910	164	9	the	the	DET
fsr-3910	164	10	outcomes	outcome	NOUN
fsr-3910	164	11	of	of	ADP
fsr-3910	164	12	various	various	ADJ
fsr-3910	164	13	ia	ia	NOUN
fsr-3910	164	14	plans	plan	NOUN
fsr-3910	164	15	by	by	ADP
fsr-3910	164	16	assuming	assume	VERB
fsr-3910	164	17	:	:	PUNCT
fsr-3910	164	18	that	that	SCONJ
fsr-3910	164	19	all	all	DET
fsr-3910	164	20	individuals	individual	NOUN
fsr-3910	164	21	invest	invest	VERB
fsr-3910	164	22	identically	identically	ADV
fsr-3910	164	23	;	;	PUNCT
fsr-3910	164	24	that	that	SCONJ
fsr-3910	164	25	individuals	individual	NOUN
fsr-3910	164	26	will	will	AUX
fsr-3910	164	27	invest	invest	VERB
fsr-3910	164	28	in	in	ADP
fsr-3910	164	29	a	a	DET
fsr-3910	164	30	range	range	NOUN
fsr-3910	164	31	of	of	ADP
fsr-3910	164	32	hypothetical	hypothetical	ADJ
fsr-3910	164	33	portfolios	portfolio	NOUN
fsr-3910	164	34	(	(	PUNCT
fsr-3910	164	35	e.g.	e.g.	ADV
fsr-3910	164	36	,	,	PUNCT
fsr-3910	164	37	all	all	DET
fsr-3910	164	38	bonds	bond	NOUN
fsr-3910	164	39	,	,	PUNCT
fsr-3910	164	40	all	all	DET
fsr-3910	164	41	equities	equity	NOUN
fsr-3910	164	42	,	,	PUNCT
fsr-3910	164	43	or	or	CCONJ
fsr-3910	164	44	mixed	mixed	ADJ
fsr-3910	164	45	)	)	PUNCT
fsr-3910	164	46	;	;	PUNCT
fsr-3910	164	47	or	or	CCONJ
fsr-3910	164	48	that	that	SCONJ
fsr-3910	164	49	the	the	DET
fsr-3910	164	50	experience	experience	NOUN
fsr-3910	164	51	of	of	ADP
fsr-3910	164	52	a	a	DET
fsr-3910	164	53	limited	limited	ADJ
fsr-3910	164	54	sample	sample	NOUN
fsr-3910	164	55	applies	apply	VERB
fsr-3910	164	56	to	to	ADP
fsr-3910	164	57	all	all	DET
fsr-3910	164	58	workers	worker	NOUN
fsr-3910	164	59	.	.	PUNCT
fsr-3910	165	1	the	the	DET
fsr-3910	165	2	database	database	NOUN
fsr-3910	165	3	used	use	VERB
fsr-3910	165	4	for	for	ADP
fsr-3910	165	5	this	this	DET
fsr-3910	165	6	analysis	analysis	NOUN
fsr-3910	165	7	bypasses	bypass	VERB
fsr-3910	165	8	several	several	ADJ
fsr-3910	165	9	limitations	limitation	NOUN
fsr-3910	165	10	inherent	inherent	ADJ
fsr-3910	165	11	in	in	ADP
fsr-3910	165	12	earlier	early	ADJ
fsr-3910	165	13	studies	study	NOUN
fsr-3910	165	14	of	of	ADP
fsr-3910	165	15	401(k	401(k	NOUN
fsr-3910	165	16	)	)	PUNCT
fsr-3910	165	17	investment	investment	NOUN
fsr-3910	165	18	behavior	behavior	NOUN
fsr-3910	165	19	and	and	CCONJ
fsr-3910	165	20	thereby	thereby	ADV
fsr-3910	165	21	precludes	preclude	VERB
fsr-3910	165	22	the	the	DET
fsr-3910	165	23	need	need	NOUN
fsr-3910	165	24	to	to	PART
fsr-3910	165	25	use	use	VERB
fsr-3910	165	26	such	such	ADJ
fsr-3910	165	27	simplifying	simplify	VERB
fsr-3910	165	28	assumptions	assumption	NOUN
fsr-3910	165	29	to	to	PART
fsr-3910	165	30	estimate	estimate	VERB
fsr-3910	165	31	the	the	DET
fsr-3910	165	32	outcomes	outcome	NOUN
fsr-3910	165	33	of	of	ADP
fsr-3910	165	34	various	various	ADJ
fsr-3910	165	35	ia	ia	PROPN
fsr-3910	165	36	plans	plan	NOUN
fsr-3910	165	37	.	.	PUNCT
fsr-3910	166	1	much	much	ADJ
fsr-3910	166	2	of	of	ADP
fsr-3910	166	3	the	the	DET
fsr-3910	166	4	previous	previous	ADJ
fsr-3910	166	5	research	research	NOUN
fsr-3910	166	6	in	in	ADP
fsr-3910	166	7	this	this	DET
fsr-3910	166	8	field	field	NOUN
fsr-3910	166	9	examined	examine	VERB
fsr-3910	166	10	aggregate	aggregate	ADJ
fsr-3910	166	11	401(k	401(k	PROPN
fsr-3910	166	12	)	)	PUNCT
fsr-3910	166	13	plan	plan	NOUN
fsr-3910	166	14	data	datum	NOUN
fsr-3910	166	15	(	(	PUNCT
fsr-3910	166	16	buck	buck	NOUN
fsr-3910	166	17	consultants	consultant	NOUN
fsr-3910	166	18	,	,	PUNCT
fsr-3910	166	19	1997	1997	NUM
fsr-3910	166	20	;	;	PUNCT
fsr-3910	166	21	hewitt	hewitt	PROPN
fsr-3910	166	22	associates	associate	NOUN
fsr-3910	166	23	,	,	PUNCT
fsr-3910	166	24	1997	1997	NUM
fsr-3910	166	25	;	;	PUNCT
fsr-3910	166	26	profit	profit	NOUN
fsr-3910	166	27	sharing/401(k	sharing/401(k	NOUN
fsr-3910	166	28	)	)	PUNCT
fsr-3910	166	29	council	council	PROPN
fsr-3910	166	30	of	of	ADP
fsr-3910	166	31	america	america	PROPN
fsr-3910	166	32	,	,	PUNCT
fsr-3910	166	33	1997	1997	NUM
fsr-3910	166	34	;	;	PUNCT
fsr-3910	166	35	kpmg	kpmg	PROPN
fsr-3910	166	36	,	,	PUNCT
fsr-3910	166	37	1998	1998	NUM
fsr-3910	166	38	;	;	PUNCT
fsr-3910	166	39	william	william	PROPN
fsr-3910	166	40	m.	m.	PROPN
fsr-3910	166	41	mercer	mercer	PROPN
fsr-3910	166	42	,	,	PUNCT
fsr-3910	166	43	1997	1997	NUM
fsr-3910	166	44	;	;	PUNCT
fsr-3910	166	45	and	and	CCONJ
fsr-3910	166	46	cerulli	cerulli	PROPN
fsr-3910	166	47	associates	associates	PROPN
fsr-3910	166	48	,	,	PUNCT
fsr-3910	166	49	inc	inc	PROPN
fsr-3910	166	50	.	.	PROPN
fsr-3910	166	51	,	,	PUNCT
fsr-3910	166	52	1998	1998	NUM
fsr-3910	166	53	)	)	PUNCT
fsr-3910	166	54	.	.	PUNCT
fsr-3910	167	1	although	although	SCONJ
fsr-3910	167	2	this	this	PRON
fsr-3910	167	3	allowed	allow	VERB
fsr-3910	167	4	analysts	analyst	NOUN
fsr-3910	167	5	to	to	PART
fsr-3910	167	6	aggregate	aggregate	VERB
fsr-3910	167	7	plan	plan	NOUN
fsr-3910	167	8	data	datum	NOUN
fsr-3910	167	9	to	to	PART
fsr-3910	167	10	determine	determine	VERB
fsr-3910	167	11	overall	overall	ADJ
fsr-3910	167	12	asset	asset	NOUN
fsr-3910	167	13	allocation	allocation	NOUN
fsr-3910	167	14	behavior	behavior	NOUN
fsr-3910	167	15	,	,	PUNCT
fsr-3910	167	16	it	it	PRON
fsr-3910	167	17	did	do	AUX
fsr-3910	167	18	not	not	PART
fsr-3910	167	19	allow	allow	VERB
fsr-3910	167	20	any	any	DET
fsr-3910	167	21	examination	examination	NOUN
fsr-3910	167	22	of	of	ADP
fsr-3910	167	23	the	the	DET
fsr-3910	167	24	impact	impact	NOUN
fsr-3910	167	25	of	of	ADP
fsr-3910	167	26	demographic	demographic	ADJ
fsr-3910	167	27	characteristics	characteristic	NOUN
fsr-3910	167	28	.	.	PUNCT
fsr-3910	168	1	still	still	ADV
fsr-3910	168	2	other	other	ADJ
fsr-3910	168	3	researchers	researcher	NOUN
fsr-3910	168	4	have	have	AUX
fsr-3910	168	5	used	use	VERB
fsr-3910	168	6	surveys	survey	NOUN
fsr-3910	168	7	of	of	ADP
fsr-3910	168	8	401(k	401(k	NOUN
fsr-3910	168	9	)	)	PUNCT
fsr-3910	168	10	participants	participant	NOUN
fsr-3910	168	11	to	to	PART
fsr-3910	168	12	analyze	analyze	VERB
fsr-3910	168	13	participant	participant	ADJ
fsr-3910	168	14	activity	activity	NOUN
fsr-3910	168	15	and	and	CCONJ
fsr-3910	168	16	decision	decision	NOUN
fsr-3910	168	17	-	-	PUNCT
fsr-3910	168	18	making	making	NOUN
fsr-3910	168	19	in	in	ADP
fsr-3910	168	20	401(k	401(k	NOUN
fsr-3910	168	21	)	)	PUNCT
fsr-3910	168	22	plans	plan	NOUN
fsr-3910	168	23	.	.	PUNCT
fsr-3910	169	1	one	one	NUM
fsr-3910	169	2	of	of	ADP
fsr-3910	169	3	the	the	DET
fsr-3910	169	4	more	more	ADV
fsr-3910	169	5	frequently	frequently	ADV
fsr-3910	169	6	used	use	VERB
fsr-3910	169	7	is	be	AUX
fsr-3910	169	8	the	the	DET
fsr-3910	169	9	survey	survey	NOUN
fsr-3910	169	10	of	of	ADP
fsr-3910	169	11	consumer	consumer	NOUN
fsr-3910	169	12	finances	finance	NOUN
fsr-3910	169	13	(	(	PUNCT
fsr-3910	169	14	scf	scf	PROPN
fsr-3910	169	15	)	)	PUNCT
fsr-3910	169	16	,	,	PUNCT
fsr-3910	169	17	a	a	DET
fsr-3910	169	18	stratified	stratified	ADJ
fsr-3910	169	19	random	random	ADJ
fsr-3910	169	20	sample	sample	NOUN
fsr-3910	169	21	of	of	ADP
fsr-3910	169	22	u.s	u.s	PROPN
fsr-3910	169	23	.	.	PROPN
fsr-3910	169	24	households	household	NOUN
fsr-3910	169	25	,	,	PUNCT
fsr-3910	169	26	administered	administer	VERB
fsr-3910	169	27	by	by	ADP
fsr-3910	169	28	the	the	DET
fsr-3910	169	29	federal	federal	PROPN
fsr-3910	169	30	reserve	reserve	PROPN
fsr-3910	169	31	board	board	PROPN
fsr-3910	169	32	.	.	PUNCT
fsr-3910	170	1	although	although	SCONJ
fsr-3910	170	2	the	the	DET
fsr-3910	170	3	survey	survey	NOUN
fsr-3910	170	4	has	have	VERB
fsr-3910	170	5	the	the	DET
fsr-3910	170	6	advantage	advantage	NOUN
fsr-3910	170	7	of	of	ADP
fsr-3910	170	8	providing	provide	VERB
fsr-3910	170	9	information	information	NOUN
fsr-3910	170	10	on	on	ADP
fsr-3910	170	11	asset	asset	NOUN
fsr-3910	170	12	holdings	holding	NOUN
fsr-3910	170	13	outside	outside	ADP
fsr-3910	170	14	the	the	DET
fsr-3910	170	15	participant	participant	NOUN
fsr-3910	170	16	’s	’s	PART
fsr-3910	170	17	401(k	401(k	PROPN
fsr-3910	170	18	)	)	PUNCT
fsr-3910	170	19	plan	plan	NOUN
fsr-3910	170	20	,	,	PUNCT
fsr-3910	170	21	it	it	PRON
fsr-3910	170	22	only	only	ADV
fsr-3910	170	23	asks	ask	VERB
fsr-3910	170	24	the	the	DET
fsr-3910	170	25	respondents	respondent	NOUN
fsr-3910	170	26	to	to	PART
fsr-3910	170	27	indicate	indicate	VERB
fsr-3910	170	28	plan	plan	NOUN
fsr-3910	170	29	asset	asset	NOUN
fsr-3910	170	30	allocations	allocation	NOUN
fsr-3910	170	31	as	as	ADP
fsr-3910	170	32	“	"	PUNCT
fsr-3910	170	33	mostly	mostly	ADV
fsr-3910	170	34	in	in	ADP
fsr-3910	170	35	stock	stock	NOUN
fsr-3910	170	36	,	,	PUNCT
fsr-3910	170	37	”	"	PUNCT
fsr-3910	170	38	“	"	PUNCT
fsr-3910	170	39	mostly	mostly	ADV
fsr-3910	170	40	in	in	ADP
fsr-3910	170	41	bonds	bond	NOUN
fsr-3910	170	42	,	,	PUNCT
fsr-3910	170	43	”	"	PUNCT
fsr-3910	170	44	or	or	CCONJ
fsr-3910	170	45	“	"	PUNCT
fsr-3910	170	46	split	split	VERB
fsr-3910	170	47	between	between	ADP
fsr-3910	170	48	.	.	PUNCT
fsr-3910	170	49	”	"	PUNCT
fsr-3910	171	1	any	any	DET
fsr-3910	171	2	analysis	analysis	NOUN
fsr-3910	171	3	71j.l	71j.l	NOUN
fsr-3910	171	4	.	.	PUNCT
fsr-3910	172	1	vanderhei	vanderhei	PROPN
fsr-3910	172	2	,	,	PUNCT
fsr-3910	172	3	k.a	k.a	PROPN
fsr-3910	172	4	.	.	PROPN
fsr-3910	172	5	olsen	olsen	PROPN
fsr-3910	172	6	/	/	SYM
fsr-3910	172	7	financial	financial	ADJ
fsr-3910	172	8	services	service	NOUN
fsr-3910	172	9	review	review	VERB
fsr-3910	172	10	9	9	NUM
fsr-3910	172	11	(	(	PUNCT
fsr-3910	172	12	2000	2000	NUM
fsr-3910	172	13	)	)	PUNCT
fsr-3910	172	14	65–78	65–78	NUM
fsr-3910	172	15	of	of	ADP
fsr-3910	172	16	this	this	DET
fsr-3910	172	17	data	datum	NOUN
fsr-3910	172	18	therefore	therefore	ADV
fsr-3910	172	19	must	must	AUX
fsr-3910	172	20	either	either	CCONJ
fsr-3910	172	21	restrict	restrict	VERB
fsr-3910	172	22	itself	itself	PRON
fsr-3910	172	23	to	to	ADP
fsr-3910	172	24	these	these	DET
fsr-3910	172	25	three	three	NUM
fsr-3910	172	26	categories	category	NOUN
fsr-3910	172	27	or	or	CCONJ
fsr-3910	172	28	utilize	utilize	VERB
fsr-3910	172	29	ad	ad	NOUN
fsr-3910	172	30	-	-	PUNCT
fsr-3910	172	31	hoc	hoc	X
fsr-3910	172	32	assumptions	assumption	NOUN
fsr-3910	172	33	with	with	ADP
fsr-3910	172	34	respect	respect	NOUN
fsr-3910	172	35	to	to	ADP
fsr-3910	172	36	the	the	DET
fsr-3910	172	37	actual	actual	ADJ
fsr-3910	172	38	distributions	distribution	NOUN
fsr-3910	172	39	.	.	PUNCT
fsr-3910	173	1	similar	similar	ADJ
fsr-3910	173	2	problems	problem	NOUN
fsr-3910	173	3	exist	exist	VERB
fsr-3910	173	4	with	with	ADP
fsr-3910	173	5	the	the	DET
fsr-3910	173	6	national	national	ADJ
fsr-3910	173	7	longitudinal	longitudinal	ADJ
fsr-3910	173	8	survey	survey	NOUN
fsr-3910	173	9	of	of	ADP
fsr-3910	173	10	mature	mature	ADJ
fsr-3910	173	11	women	woman	NOUN
fsr-3910	173	12	(	(	PUNCT
fsr-3910	173	13	papke	papke	PROPN
fsr-3910	173	14	1998	1998	NUM
fsr-3910	173	15	)	)	PUNCT
fsr-3910	173	16	.	.	PUNCT
fsr-3910	174	1	at	at	ADV
fsr-3910	174	2	least	least	ADV
fsr-3910	174	3	three	three	NUM
fsr-3910	174	4	research	research	NOUN
fsr-3910	174	5	projects	project	NOUN
fsr-3910	174	6	have	have	AUX
fsr-3910	174	7	used	use	VERB
fsr-3910	174	8	401(k	401(k	PROPN
fsr-3910	174	9	)	)	PUNCT
fsr-3910	174	10	administrative	administrative	ADJ
fsr-3910	174	11	records	record	NOUN
fsr-3910	174	12	;	;	PUNCT
fsr-3910	174	13	unfortunately	unfortunately	ADV
fsr-3910	174	14	they	they	PRON
fsr-3910	174	15	have	have	AUX
fsr-3910	174	16	all	all	PRON
fsr-3910	174	17	utilized	utilize	VERB
fsr-3910	174	18	relatively	relatively	ADV
fsr-3910	174	19	small	small	ADJ
fsr-3910	174	20	samples	sample	NOUN
fsr-3910	174	21	.	.	PUNCT
fsr-3910	175	1	goodfellow	goodfellow	NOUN
fsr-3910	175	2	and	and	CCONJ
fsr-3910	175	3	schieber	schieber	PROPN
fsr-3910	175	4	(	(	PUNCT
fsr-3910	175	5	1997	1997	NUM
fsr-3910	175	6	)	)	PUNCT
fsr-3910	175	7	investigated	investigate	VERB
fsr-3910	175	8	the	the	DET
fsr-3910	175	9	investment	investment	NOUN
fsr-3910	175	10	elections	election	NOUN
fsr-3910	175	11	of	of	ADP
fsr-3910	175	12	36,000	36,000	NUM
fsr-3910	175	13	participants	participant	NOUN
fsr-3910	175	14	in	in	ADP
fsr-3910	175	15	twenty	twenty	NUM
fsr-3910	175	16	-	-	PUNCT
fsr-3910	175	17	four	four	NUM
fsr-3910	175	18	401(k	401(k	PROPN
fsr-3910	175	19	)	)	PUNCT
fsr-3910	175	20	plans	plan	NOUN
fsr-3910	175	21	.	.	PUNCT
fsr-3910	176	1	the	the	DET
fsr-3910	176	2	total	total	ADJ
fsr-3910	176	3	number	number	NOUN
fsr-3910	176	4	of	of	ADP
fsr-3910	176	5	participants	participant	NOUN
fsr-3910	176	6	in	in	ADP
fsr-3910	176	7	the	the	DET
fsr-3910	176	8	plans	plan	NOUN
fsr-3910	176	9	analyzed	analyze	VERB
fsr-3910	176	10	in	in	ADP
fsr-3910	176	11	their	their	PRON
fsr-3910	176	12	study	study	NOUN
fsr-3910	176	13	ranged	range	VERB
fsr-3910	176	14	from	from	ADP
fsr-3910	176	15	around	around	ADP
fsr-3910	176	16	150	150	NUM
fsr-3910	176	17	to	to	PART
fsr-3910	176	18	6,000	6,000	NUM
fsr-3910	176	19	.	.	PUNCT
fsr-3910	177	1	in	in	ADP
fsr-3910	177	2	addition	addition	NOUN
fsr-3910	177	3	,	,	PUNCT
fsr-3910	177	4	yakoboski	yakoboski	NOUN
fsr-3910	177	5	and	and	CCONJ
fsr-3910	177	6	vanderhei	vanderhei	PROPN
fsr-3910	177	7	(	(	PUNCT
fsr-3910	177	8	1996	1996	NUM
fsr-3910	177	9	)	)	PUNCT
fsr-3910	177	10	analyzed	analyze	VERB
fsr-3910	177	11	the	the	DET
fsr-3910	177	12	asset	asset	NOUN
fsr-3910	177	13	allocation	allocation	NOUN
fsr-3910	177	14	decisions	decision	NOUN
fsr-3910	177	15	of	of	ADP
fsr-3910	177	16	401(k	401(k	NOUN
fsr-3910	177	17	)	)	PUNCT
fsr-3910	177	18	plan	plan	VERB
fsr-3910	177	19	participants	participant	NOUN
fsr-3910	177	20	working	work	VERB
fsr-3910	177	21	for	for	ADP
fsr-3910	177	22	three	three	NUM
fsr-3910	177	23	large	large	ADJ
fsr-3910	177	24	employers	employer	NOUN
fsr-3910	177	25	(	(	PUNCT
fsr-3910	177	26	at&t	at&t	PROPN
fsr-3910	177	27	,	,	PUNCT
fsr-3910	177	28	ibm	ibm	PROPN
fsr-3910	177	29	corporation	corporation	NOUN
fsr-3910	177	30	,	,	PUNCT
fsr-3910	177	31	and	and	CCONJ
fsr-3910	177	32	new	new	PROPN
fsr-3910	177	33	york	york	PROPN
fsr-3910	177	34	life	life	PROPN
fsr-3910	177	35	insurance	insurance	NOUN
fsr-3910	177	36	company	company	NOUN
fsr-3910	177	37	)	)	PUNCT
fsr-3910	177	38	with	with	ADP
fsr-3910	177	39	a	a	DET
fsr-3910	177	40	total	total	NOUN
fsr-3910	177	41	of	of	ADP
fsr-3910	177	42	180,000	180,000	NUM
fsr-3910	177	43	employees	employee	NOUN
fsr-3910	177	44	.	.	PUNCT
fsr-3910	178	1	finally	finally	ADV
fsr-3910	178	2	,	,	PUNCT
fsr-3910	178	3	hewitt	hewitt	PROPN
fsr-3910	178	4	associates	associate	NOUN
fsr-3910	178	5	has	have	AUX
fsr-3910	178	6	developed	develop	VERB
fsr-3910	178	7	an	an	DET
fsr-3910	178	8	index	index	NOUN
fsr-3910	178	9	to	to	PART
fsr-3910	178	10	track	track	VERB
fsr-3910	178	11	the	the	DET
fsr-3910	178	12	investment	investment	NOUN
fsr-3910	178	13	activity	activity	NOUN
fsr-3910	178	14	of	of	ADP
fsr-3910	178	15	401(k	401(k	PROPN
fsr-3910	178	16	)	)	PUNCT
fsr-3910	178	17	participants	participant	NOUN
fsr-3910	178	18	.	.	PUNCT
fsr-3910	179	1	this	this	DET
fsr-3910	179	2	index	index	NOUN
fsr-3910	179	3	is	be	AUX
fsr-3910	179	4	based	base	VERB
fsr-3910	179	5	upon	upon	SCONJ
fsr-3910	179	6	1.4	1.4	NUM
fsr-3910	179	7	million	million	NUM
fsr-3910	179	8	401(k	401(k	NOUN
fsr-3910	179	9	)	)	PUNCT
fsr-3910	179	10	participants	participant	NOUN
fsr-3910	179	11	with	with	ADP
fsr-3910	179	12	approximately	approximately	ADV
fsr-3910	179	13	$	$	SYM
fsr-3910	179	14	62	62	NUM
fsr-3910	179	15	billion	billion	NUM
fsr-3910	179	16	in	in	ADP
fsr-3910	179	17	collective	collective	ADJ
fsr-3910	179	18	assets	asset	NOUN
fsr-3910	179	19	.	.	PUNCT
fsr-3910	180	1	currently	currently	ADV
fsr-3910	180	2	,	,	PUNCT
fsr-3910	180	3	this	this	DET
fsr-3910	180	4	index	index	NOUN
fsr-3910	180	5	reflects	reflect	VERB
fsr-3910	180	6	experience	experience	NOUN
fsr-3910	180	7	of	of	ADP
fsr-3910	180	8	large	large	ADJ
fsr-3910	180	9	corporations	corporation	NOUN
fsr-3910	180	10	and	and	CCONJ
fsr-3910	180	11	does	do	AUX
fsr-3910	180	12	not	not	PART
fsr-3910	180	13	provide	provide	VERB
fsr-3910	180	14	any	any	DET
fsr-3910	180	15	analysis	analysis	NOUN
fsr-3910	180	16	of	of	ADP
fsr-3910	180	17	employee	employee	NOUN
fsr-3910	180	18	demographics	demographic	NOUN
fsr-3910	180	19	.	.	PUNCT
fsr-3910	181	1	two	two	NUM
fsr-3910	181	2	other	other	ADJ
fsr-3910	181	3	micro	micro	ADJ
fsr-3910	181	4	level	level	NOUN
fsr-3910	181	5	defined	define	VERB
fsr-3910	181	6	contribution	contribution	NOUN
fsr-3910	181	7	databases	database	NOUN
fsr-3910	181	8	have	have	AUX
fsr-3910	181	9	been	be	AUX
fsr-3910	181	10	analyzed	analyze	VERB
fsr-3910	181	11	but	but	CCONJ
fsr-3910	181	12	constitute	constitute	VERB
fsr-3910	181	13	different	different	ADJ
fsr-3910	181	14	types	type	NOUN
fsr-3910	181	15	of	of	ADP
fsr-3910	181	16	plans	plan	NOUN
fsr-3910	181	17	.	.	PUNCT
fsr-3910	182	1	hinz	hinz	PROPN
fsr-3910	182	2	,	,	PUNCT
fsr-3910	182	3	mccarthy	mccarthy	PROPN
fsr-3910	182	4	,	,	PUNCT
fsr-3910	182	5	and	and	CCONJ
fsr-3910	182	6	turner	turner	NOUN
fsr-3910	182	7	(	(	PUNCT
fsr-3910	182	8	1997	1997	NUM
fsr-3910	182	9	)	)	PUNCT
fsr-3910	182	10	investigate	investigate	VERB
fsr-3910	182	11	asset	asset	NOUN
fsr-3910	182	12	allocations	allocation	NOUN
fsr-3910	182	13	among	among	ADP
fsr-3910	182	14	federal	federal	ADJ
fsr-3910	182	15	thrift	thrift	NOUN
fsr-3910	182	16	savings	saving	NOUN
fsr-3910	182	17	plan	plan	NOUN
fsr-3910	182	18	participants	participant	NOUN
fsr-3910	182	19	,	,	PUNCT
fsr-3910	182	20	and	and	CCONJ
fsr-3910	182	21	ameriks	ameriks	PROPN
fsr-3910	182	22	,	,	PUNCT
fsr-3910	182	23	king	king	NOUN
fsr-3910	182	24	and	and	CCONJ
fsr-3910	182	25	warshawsky	warshawsky	NOUN
fsr-3910	182	26	(	(	PUNCT
fsr-3910	182	27	1997	1997	NUM
fsr-3910	182	28	)	)	PUNCT
fsr-3910	182	29	perform	perform	VERB
fsr-3910	182	30	a	a	DET
fsr-3910	182	31	similar	similar	ADJ
fsr-3910	182	32	analysis	analysis	NOUN
fsr-3910	182	33	on	on	ADP
fsr-3910	182	34	the	the	DET
fsr-3910	182	35	tiaa	tiaa	ADJ
fsr-3910	182	36	-	-	PUNCT
fsr-3910	182	37	cref	cref	NOUN
fsr-3910	182	38	population	population	NOUN
fsr-3910	182	39	.	.	PUNCT
fsr-3910	183	1	3.3	3.3	NUM
fsr-3910	183	2	.	.	PUNCT
fsr-3910	184	1	the	the	DET
fsr-3910	184	2	ebri	ebri	NOUN
fsr-3910	184	3	/	/	SYM
fsr-3910	184	4	ici	ici	NOUN
fsr-3910	184	5	database	database	NOUN
fsr-3910	184	6	in	in	ADP
fsr-3910	184	7	comparison	comparison	NOUN
fsr-3910	184	8	to	to	ADP
fsr-3910	184	9	previous	previous	ADJ
fsr-3910	184	10	studies	study	NOUN
fsr-3910	184	11	,	,	PUNCT
fsr-3910	184	12	the	the	DET
fsr-3910	184	13	database	database	NOUN
fsr-3910	184	14	created	create	VERB
fsr-3910	184	15	by	by	ADP
fsr-3910	184	16	the	the	DET
fsr-3910	184	17	employee	employee	NOUN
fsr-3910	184	18	benefit	benefit	PROPN
fsr-3910	184	19	research	research	PROPN
fsr-3910	184	20	institute	institute	PROPN
fsr-3910	184	21	(	(	PUNCT
fsr-3910	184	22	ebri	ebri	NOUN
fsr-3910	184	23	)	)	PUNCT
fsr-3910	184	24	and	and	CCONJ
fsr-3910	184	25	the	the	DET
fsr-3910	184	26	investment	investment	NOUN
fsr-3910	184	27	company	company	NOUN
fsr-3910	184	28	institute	institute	PROPN
fsr-3910	184	29	(	(	PUNCT
fsr-3910	184	30	ici	ici	PROPN
fsr-3910	184	31	)	)	PUNCT
fsr-3910	184	32	for	for	ADP
fsr-3910	184	33	1996	1996	NUM
fsr-3910	184	34	contains	contain	VERB
fsr-3910	184	35	6.6	6.6	NUM
fsr-3910	184	36	million	million	NUM
fsr-3910	184	37	active	active	ADJ
fsr-3910	184	38	participants	participant	NOUN
fsr-3910	184	39	,	,	PUNCT
fsr-3910	184	40	who	who	PRON
fsr-3910	184	41	hold	hold	VERB
fsr-3910	184	42	nearly	nearly	ADV
fsr-3910	184	43	$	$	SYM
fsr-3910	184	44	250	250	NUM
fsr-3910	184	45	billion	billion	NUM
fsr-3910	184	46	worth	worth	NOUN
fsr-3910	184	47	of	of	ADP
fsr-3910	184	48	assets	asset	NOUN
fsr-3910	184	49	in	in	ADP
fsr-3910	184	50	27,762	27,762	NUM
fsr-3910	184	51	401(k	401(k	NOUN
fsr-3910	184	52	)	)	PUNCT
fsr-3910	184	53	plans	plan	NOUN
fsr-3910	184	54	of	of	ADP
fsr-3910	184	55	all	all	DET
fsr-3910	184	56	sizes	size	NOUN
fsr-3910	184	57	.	.	PUNCT
fsr-3910	185	1	measured	measure	VERB
fsr-3910	185	2	against	against	ADP
fsr-3910	185	3	the	the	DET
fsr-3910	185	4	universe	universe	NOUN
fsr-3910	185	5	of	of	ADP
fsr-3910	185	6	401(k	401(k	NOUN
fsr-3910	185	7	)	)	PUNCT
fsr-3910	185	8	plans	plan	NOUN
fsr-3910	185	9	,	,	PUNCT
fsr-3910	185	10	the	the	DET
fsr-3910	185	11	1996	1996	NUM
fsr-3910	185	12	database	database	NOUN
fsr-3910	185	13	accounts	account	VERB
fsr-3910	185	14	for	for	ADP
fsr-3910	185	15	9	9	NUM
fsr-3910	185	16	%	%	NOUN
fsr-3910	185	17	of	of	ADP
fsr-3910	185	18	all	all	DET
fsr-3910	185	19	plans	plan	NOUN
fsr-3910	185	20	,	,	PUNCT
fsr-3910	185	21	18	18	NUM
fsr-3910	185	22	%	%	NOUN
fsr-3910	185	23	of	of	ADP
fsr-3910	185	24	all	all	DET
fsr-3910	185	25	participants	participant	NOUN
fsr-3910	185	26	,	,	PUNCT
fsr-3910	185	27	and	and	CCONJ
fsr-3910	185	28	31	31	NUM
fsr-3910	185	29	%	%	NOUN
fsr-3910	185	30	of	of	ADP
fsr-3910	185	31	all	all	DET
fsr-3910	185	32	assets	asset	NOUN
fsr-3910	185	33	.	.	PUNCT
fsr-3910	186	1	the	the	DET
fsr-3910	186	2	distribution	distribution	NOUN
fsr-3910	186	3	of	of	ADP
fsr-3910	186	4	participants	participant	NOUN
fsr-3910	186	5	,	,	PUNCT
fsr-3910	186	6	plans	plan	NOUN
fsr-3910	186	7	,	,	PUNCT
fsr-3910	186	8	and	and	CCONJ
fsr-3910	186	9	assets	asset	NOUN
fsr-3910	186	10	in	in	ADP
fsr-3910	186	11	the	the	DET
fsr-3910	186	12	ebri	ebri	NOUN
fsr-3910	186	13	/	/	SYM
fsr-3910	186	14	ici	ici	NOUN
fsr-3910	186	15	database	database	NOUN
fsr-3910	186	16	for	for	ADP
fsr-3910	186	17	1996	1996	NUM
fsr-3910	186	18	is	be	AUX
fsr-3910	186	19	similar	similar	ADJ
fsr-3910	186	20	to	to	ADP
fsr-3910	186	21	that	that	PRON
fsr-3910	186	22	reported	report	VERB
fsr-3910	186	23	for	for	ADP
fsr-3910	186	24	the	the	DET
fsr-3910	186	25	universe	universe	NOUN
fsr-3910	186	26	of	of	ADP
fsr-3910	186	27	plans	plan	NOUN
fsr-3910	186	28	by	by	ADP
fsr-3910	186	29	cerulli	cerulli	PROPN
fsr-3910	186	30	associates	associates	PROPN
fsr-3910	186	31	,	,	PUNCT
fsr-3910	186	32	inc	inc	PROPN
fsr-3910	186	33	.	.	PROPN
fsr-3910	186	34	(	(	PUNCT
fsr-3910	186	35	1998	1998	NUM
fsr-3910	186	36	)	)	PUNCT
fsr-3910	186	37	.	.	PUNCT
fsr-3910	187	1	for	for	ADP
fsr-3910	187	2	each	each	PRON
fsr-3910	187	3	of	of	ADP
fsr-3910	187	4	five	five	NUM
fsr-3910	187	5	plan	plan	NOUN
fsr-3910	187	6	size	size	NOUN
fsr-3910	187	7	classifications	classification	NOUN
fsr-3910	187	8	,	,	PUNCT
fsr-3910	187	9	the	the	DET
fsr-3910	187	10	share	share	NOUN
fsr-3910	187	11	of	of	ADP
fsr-3910	187	12	the	the	DET
fsr-3910	187	13	database	database	NOUN
fsr-3910	187	14	’s	’s	PART
fsr-3910	187	15	assets	asset	NOUN
fsr-3910	187	16	falling	fall	VERB
fsr-3910	187	17	within	within	ADP
fsr-3910	187	18	those	those	DET
fsr-3910	187	19	categories	category	NOUN
fsr-3910	187	20	is	be	AUX
fsr-3910	187	21	very	very	ADV
fsr-3910	187	22	close	close	ADJ
fsr-3910	187	23	to	to	ADP
fsr-3910	187	24	the	the	DET
fsr-3910	187	25	share	share	NOUN
fsr-3910	187	26	found	find	VERB
fsr-3910	187	27	in	in	ADP
fsr-3910	187	28	the	the	DET
fsr-3910	187	29	universe	universe	NOUN
fsr-3910	187	30	for	for	ADP
fsr-3910	187	31	that	that	DET
fsr-3910	187	32	size	size	NOUN
fsr-3910	187	33	category	category	NOUN
fsr-3910	187	34	.	.	PUNCT
fsr-3910	188	1	similarly	similarly	ADV
fsr-3910	188	2	,	,	PUNCT
fsr-3910	188	3	the	the	DET
fsr-3910	188	4	share	share	NOUN
fsr-3910	188	5	of	of	ADP
fsr-3910	188	6	the	the	DET
fsr-3910	188	7	database	database	NOUN
fsr-3910	188	8	’s	’s	PART
fsr-3910	188	9	participants	participant	NOUN
fsr-3910	188	10	and	and	CCONJ
fsr-3910	188	11	plans	plan	NOUN
fsr-3910	188	12	within	within	ADP
fsr-3910	188	13	these	these	DET
fsr-3910	188	14	size	size	NOUN
fsr-3910	188	15	categories	category	NOUN
fsr-3910	188	16	is	be	AUX
fsr-3910	188	17	approximately	approximately	ADV
fsr-3910	188	18	the	the	DET
fsr-3910	188	19	same	same	ADJ
fsr-3910	188	20	as	as	ADP
fsr-3910	188	21	that	that	PRON
fsr-3910	188	22	in	in	ADP
fsr-3910	188	23	the	the	DET
fsr-3910	188	24	universe	universe	NOUN
fsr-3910	188	25	(	(	PUNCT
fsr-3910	188	26	vanderhei	vanderhei	PROPN
fsr-3910	188	27	et	et	PROPN
fsr-3910	188	28	al	al	PROPN
fsr-3910	188	29	.	.	PROPN
fsr-3910	188	30	,	,	PUNCT
fsr-3910	188	31	1999b	1999b	NUM
fsr-3910	188	32	)	)	PUNCT
fsr-3910	188	33	.	.	PUNCT
fsr-3910	189	1	4	4	X
fsr-3910	189	2	.	.	X
fsr-3910	189	3	analysis	analysis	NOUN
fsr-3910	189	4	of	of	ADP
fsr-3910	189	5	participant	participant	ADJ
fsr-3910	189	6	-	-	PUNCT
fsr-3910	189	7	directed	direct	VERB
fsr-3910	189	8	asset	asset	NOUN
fsr-3910	189	9	allocation	allocation	NOUN
fsr-3910	189	10	much	much	ADJ
fsr-3910	189	11	research	research	NOUN
fsr-3910	189	12	has	have	AUX
fsr-3910	189	13	focused	focus	VERB
fsr-3910	189	14	on	on	ADP
fsr-3910	189	15	the	the	DET
fsr-3910	189	16	effects	effect	NOUN
fsr-3910	189	17	of	of	ADP
fsr-3910	189	18	market	market	NOUN
fsr-3910	189	19	volatility	volatility	NOUN
fsr-3910	189	20	risk	risk	NOUN
fsr-3910	189	21	in	in	ADP
fsr-3910	189	22	distributing	distribute	VERB
fsr-3910	189	23	social	social	ADJ
fsr-3910	189	24	security	security	NOUN
fsr-3910	189	25	benefits	benefit	NOUN
fsr-3910	189	26	across	across	ADP
fsr-3910	189	27	workers	worker	NOUN
fsr-3910	189	28	participating	participate	VERB
fsr-3910	189	29	in	in	ADP
fsr-3910	189	30	ia	ia	PROPN
fsr-3910	189	31	plans	plan	NOUN
fsr-3910	189	32	(	(	PUNCT
fsr-3910	189	33	e.	e.	PROPN
fsr-3910	189	34	g.	g.	PROPN
fsr-3910	189	35	,	,	PUNCT
fsr-3910	189	36	ball	ball	NOUN
fsr-3910	189	37	1998	1998	NUM
fsr-3910	189	38	)	)	PUNCT
fsr-3910	189	39	.	.	PUNCT
fsr-3910	190	1	the	the	DET
fsr-3910	190	2	objective	objective	NOUN
fsr-3910	190	3	of	of	ADP
fsr-3910	190	4	this	this	DET
fsr-3910	190	5	analysis	analysis	NOUN
fsr-3910	190	6	is	be	AUX
fsr-3910	190	7	to	to	PART
fsr-3910	190	8	ascertain	ascertain	VERB
fsr-3910	190	9	the	the	DET
fsr-3910	190	10	extent	extent	NOUN
fsr-3910	190	11	to	to	PART
fsr-3910	190	12	which	which	PRON
fsr-3910	190	13	individual	individual	ADJ
fsr-3910	190	14	investment	investment	NOUN
fsr-3910	190	15	behavior	behavior	NOUN
fsr-3910	190	16	is	be	AUX
fsr-3910	190	17	a	a	DET
fsr-3910	190	18	potential	potential	ADJ
fsr-3910	190	19	source	source	NOUN
fsr-3910	190	20	of	of	ADP
fsr-3910	190	21	variation	variation	NOUN
fsr-3910	190	22	in	in	ADP
fsr-3910	190	23	social	social	ADJ
fsr-3910	190	24	security	security	NOUN
fsr-3910	190	25	benefits	benefit	NOUN
fsr-3910	190	26	between	between	ADP
fsr-3910	190	27	ia	ia	PROPN
fsr-3910	190	28	participants	participant	NOUN
fsr-3910	190	29	.	.	PUNCT
fsr-3910	191	1	the	the	DET
fsr-3910	191	2	extent	extent	NOUN
fsr-3910	191	3	of	of	ADP
fsr-3910	191	4	such	such	ADJ
fsr-3910	191	5	variation	variation	NOUN
fsr-3910	191	6	in	in	ADP
fsr-3910	191	7	benefit	benefit	NOUN
fsr-3910	191	8	distribution	distribution	NOUN
fsr-3910	191	9	across	across	ADP
fsr-3910	191	10	beneficiaries	beneficiary	NOUN
fsr-3910	191	11	,	,	PUNCT
fsr-3910	191	12	relative	relative	ADJ
fsr-3910	191	13	to	to	ADP
fsr-3910	191	14	current	current	ADJ
fsr-3910	191	15	law	law	NOUN
fsr-3910	191	16	,	,	PUNCT
fsr-3910	191	17	is	be	AUX
fsr-3910	191	18	likely	likely	ADJ
fsr-3910	191	19	to	to	PART
fsr-3910	191	20	have	have	VERB
fsr-3910	191	21	implications	implication	NOUN
fsr-3910	191	22	for	for	ADP
fsr-3910	191	23	assessing	assess	VERB
fsr-3910	191	24	outcomes	outcome	NOUN
fsr-3910	191	25	under	under	ADP
fsr-3910	191	26	ia	ia	NOUN
fsr-3910	191	27	plans	plan	NOUN
fsr-3910	191	28	and	and	CCONJ
fsr-3910	191	29	for	for	ADP
fsr-3910	191	30	possibly	possibly	ADV
fsr-3910	191	31	(	(	PUNCT
fsr-3910	191	32	re)designing	re)designe	VERB
fsr-3910	191	33	ia	ia	PROPN
fsr-3910	191	34	plans	plan	NOUN
fsr-3910	191	35	based	base	VERB
fsr-3910	191	36	on	on	ADP
fsr-3910	191	37	those	those	DET
fsr-3910	191	38	expected	expect	VERB
fsr-3910	191	39	outcomes	outcome	NOUN
fsr-3910	191	40	.	.	PUNCT
fsr-3910	192	1	however	however	ADV
fsr-3910	192	2	,	,	PUNCT
fsr-3910	192	3	it	it	PRON
fsr-3910	192	4	is	be	AUX
fsr-3910	192	5	important	important	ADJ
fsr-3910	192	6	to	to	PART
fsr-3910	192	7	note	note	VERB
fsr-3910	192	8	that	that	SCONJ
fsr-3910	192	9	just	just	ADV
fsr-3910	192	10	because	because	SCONJ
fsr-3910	192	11	beneficiaries	beneficiary	NOUN
fsr-3910	192	12	under	under	ADP
fsr-3910	192	13	one	one	NUM
fsr-3910	192	14	ia	ia	NOUN
fsr-3910	192	15	proposal	proposal	NOUN
fsr-3910	192	16	may	may	AUX
fsr-3910	192	17	experience	experience	VERB
fsr-3910	192	18	more	more	ADJ
fsr-3910	192	19	disparate	disparate	ADJ
fsr-3910	192	20	benefits	benefit	NOUN
fsr-3910	192	21	than	than	ADP
fsr-3910	192	22	under	under	ADP
fsr-3910	192	23	72	72	NUM
fsr-3910	192	24	j.l	j.l	NOUN
fsr-3910	193	1	.	.	PROPN
fsr-3910	193	2	vanderhei	vanderhei	PROPN
fsr-3910	193	3	,	,	PUNCT
fsr-3910	193	4	k.a	k.a	PROPN
fsr-3910	193	5	.	.	PROPN
fsr-3910	193	6	olsen	olsen	PROPN
fsr-3910	193	7	/	/	SYM
fsr-3910	193	8	financial	financial	ADJ
fsr-3910	193	9	services	service	NOUN
fsr-3910	193	10	review	review	VERB
fsr-3910	193	11	9	9	NUM
fsr-3910	193	12	(	(	PUNCT
fsr-3910	193	13	2000	2000	NUM
fsr-3910	193	14	)	)	PUNCT
fsr-3910	193	15	65–78	65–78	NUM
fsr-3910	193	16	current	current	ADJ
fsr-3910	193	17	-	-	PUNCT
fsr-3910	193	18	law	law	NOUN
fsr-3910	193	19	does	do	AUX
fsr-3910	193	20	not	not	PART
fsr-3910	193	21	mean	mean	VERB
fsr-3910	193	22	that	that	SCONJ
fsr-3910	193	23	one	one	NUM
fsr-3910	193	24	proposal	proposal	NOUN
fsr-3910	193	25	is	be	AUX
fsr-3910	193	26	necessarily	necessarily	ADV
fsr-3910	193	27	inferior	inferior	ADJ
fsr-3910	193	28	to	to	ADP
fsr-3910	193	29	another	another	PRON
fsr-3910	193	30	.	.	PUNCT
fsr-3910	194	1	for	for	ADP
fsr-3910	194	2	example	example	NOUN
fsr-3910	194	3	,	,	PUNCT
fsr-3910	194	4	a	a	DET
fsr-3910	194	5	plan	plan	NOUN
fsr-3910	194	6	could	could	AUX
fsr-3910	194	7	theoretically	theoretically	ADV
fsr-3910	194	8	produce	produce	VERB
fsr-3910	194	9	more	more	ADJ
fsr-3910	194	10	disparate	disparate	ADJ
fsr-3910	194	11	benefits	benefit	NOUN
fsr-3910	194	12	across	across	ADP
fsr-3910	194	13	beneficiaries	beneficiary	NOUN
fsr-3910	194	14	than	than	ADP
fsr-3910	194	15	currentlaw	currentlaw	NOUN
fsr-3910	194	16	but	but	CCONJ
fsr-3910	194	17	also	also	ADV
fsr-3910	194	18	provide	provide	VERB
fsr-3910	194	19	higher	high	ADJ
fsr-3910	194	20	benefits	benefit	NOUN
fsr-3910	194	21	to	to	ADP
fsr-3910	194	22	all	all	PRON
fsr-3910	194	23	,	,	PUNCT
fsr-3910	194	24	or	or	CCONJ
fsr-3910	194	25	be	be	AUX
fsr-3910	194	26	more	more	ADV
fsr-3910	194	27	desirable	desirable	ADJ
fsr-3910	194	28	on	on	ADP
fsr-3910	194	29	other	other	ADJ
fsr-3910	194	30	grounds	ground	NOUN
fsr-3910	194	31	.	.	PUNCT
fsr-3910	195	1	it	it	PRON
fsr-3910	195	2	is	be	AUX
fsr-3910	195	3	indisputable	indisputable	ADJ
fsr-3910	195	4	,	,	PUNCT
fsr-3910	195	5	though	though	ADV
fsr-3910	195	6	,	,	PUNCT
fsr-3910	195	7	that	that	SCONJ
fsr-3910	195	8	the	the	DET
fsr-3910	195	9	extent	extent	NOUN
fsr-3910	195	10	to	to	PART
fsr-3910	195	11	which	which	PRON
fsr-3910	195	12	benefit	benefit	NOUN
fsr-3910	195	13	distribution	distribution	NOUN
fsr-3910	195	14	will	will	AUX
fsr-3910	195	15	differ	differ	VERB
fsr-3910	195	16	from	from	ADP
fsr-3910	195	17	current	current	ADJ
fsr-3910	195	18	law	law	NOUN
fsr-3910	195	19	social	social	ADJ
fsr-3910	195	20	security	security	NOUN
fsr-3910	195	21	benefits	benefit	NOUN
fsr-3910	195	22	isone	isone	NOUN
fsr-3910	195	23	important	important	ADJ
fsr-3910	195	24	concern	concern	NOUN
fsr-3910	195	25	when	when	SCONJ
fsr-3910	195	26	comparing	compare	VERB
fsr-3910	195	27	the	the	DET
fsr-3910	195	28	desirability	desirability	NOUN
fsr-3910	195	29	of	of	ADP
fsr-3910	195	30	different	different	ADJ
fsr-3910	195	31	ia	ia	PROPN
fsr-3910	195	32	plans	plan	NOUN
fsr-3910	195	33	.	.	PUNCT
fsr-3910	196	1	for	for	ADP
fsr-3910	196	2	purposes	purpose	NOUN
fsr-3910	196	3	of	of	ADP
fsr-3910	196	4	this	this	DET
fsr-3910	196	5	analysis	analysis	NOUN
fsr-3910	196	6	,	,	PUNCT
fsr-3910	196	7	investment	investment	NOUN
fsr-3910	196	8	options	option	NOUN
fsr-3910	196	9	have	have	AUX
fsr-3910	196	10	been	be	AUX
fsr-3910	196	11	grouped	group	VERB
fsr-3910	196	12	into	into	ADP
fsr-3910	196	13	three	three	NUM
fsr-3910	196	14	broad	broad	ADJ
fsr-3910	196	15	asset	asset	NOUN
fsr-3910	196	16	classes	class	NOUN
fsr-3910	196	17	:	:	PUNCT
fsr-3910	197	1	1	1	X
fsr-3910	197	2	.	.	NUM
fsr-3910	197	3	diversified	diversify	VERB
fsr-3910	197	4	equity	equity	NOUN
fsr-3910	197	5	fundsconsist	fundsconsist	NOUN
fsr-3910	197	6	of	of	ADP
fsr-3910	197	7	pooled	pool	VERB
fsr-3910	197	8	accounts	account	NOUN
fsr-3910	197	9	primarily	primarily	ADV
fsr-3910	197	10	investing	invest	VERB
fsr-3910	197	11	in	in	ADP
fsr-3910	197	12	stocks	stock	NOUN
fsr-3910	197	13	.	.	PUNCT
fsr-3910	198	1	these	these	DET
fsr-3910	198	2	funds	fund	NOUN
fsr-3910	198	3	include	include	VERB
fsr-3910	198	4	mutual	mutual	ADJ
fsr-3910	198	5	funds	fund	NOUN
fsr-3910	198	6	,	,	PUNCT
fsr-3910	198	7	bank	bank	NOUN
fsr-3910	198	8	collective	collective	ADJ
fsr-3910	198	9	trusts	trust	NOUN
fsr-3910	198	10	,	,	PUNCT
fsr-3910	198	11	life	life	NOUN
fsr-3910	198	12	insurance	insurance	NOUN
fsr-3910	198	13	separate	separate	ADJ
fsr-3910	198	14	accounts	account	NOUN
fsr-3910	198	15	,	,	PUNCT
fsr-3910	198	16	and	and	CCONJ
fsr-3910	198	17	other	other	ADJ
fsr-3910	198	18	pooled	pool	VERB
fsr-3910	198	19	investments	investment	NOUN
fsr-3910	198	20	.	.	PUNCT
fsr-3910	199	1	in	in	ADP
fsr-3910	199	2	addition	addition	NOUN
fsr-3910	199	3	,	,	PUNCT
fsr-3910	199	4	60	60	NUM
fsr-3910	199	5	%	%	NOUN
fsr-3910	199	6	of	of	ADP
fsr-3910	199	7	any	any	DET
fsr-3910	199	8	monies	monie	NOUN
fsr-3910	199	9	invested	invest	VERB
fsr-3910	199	10	in	in	ADP
fsr-3910	199	11	balanced	balanced	ADJ
fsr-3910	199	12	funds	fund	NOUN
fsr-3910	199	13	were	be	AUX
fsr-3910	199	14	added	add	VERB
fsr-3910	199	15	to	to	ADP
fsr-3910	199	16	this	this	DET
fsr-3910	199	17	category	category	NOUN
fsr-3910	199	18	.	.	PUNCT
fsr-3910	200	1	2	2	X
fsr-3910	200	2	.	.	NUM
fsr-3910	200	3	fixed	fix	VERB
fsr-3910	200	4	income	income	NOUN
fsr-3910	200	5	fundsincluded	fundsinclude	VERB
fsr-3910	200	6	bond	bond	NOUN
fsr-3910	200	7	funds	fund	NOUN
fsr-3910	200	8	and	and	CCONJ
fsr-3910	200	9	40	40	NUM
fsr-3910	200	10	%	%	NOUN
fsr-3910	200	11	of	of	ADP
fsr-3910	200	12	any	any	DET
fsr-3910	200	13	balanced	balanced	ADJ
fsr-3910	200	14	funds	fund	NOUN
fsr-3910	200	15	in	in	ADP
fsr-3910	200	16	addition	addition	NOUN
fsr-3910	200	17	to	to	ADP
fsr-3910	200	18	money	money	NOUN
fsr-3910	200	19	funds	fund	NOUN
fsr-3910	200	20	,	,	PUNCT
fsr-3910	200	21	guaranteed	guarantee	VERB
fsr-3910	200	22	investment	investment	NOUN
fsr-3910	200	23	contracts	contract	NOUN
fsr-3910	200	24	(	(	PUNCT
fsr-3910	200	25	gics	gic	NOUN
fsr-3910	200	26	)	)	PUNCT
fsr-3910	200	27	and	and	CCONJ
fsr-3910	200	28	other	other	ADJ
fsr-3910	200	29	stable	stable	ADJ
fsr-3910	200	30	value	value	NOUN
fsr-3910	200	31	funds	fund	NOUN
fsr-3910	200	32	(	(	PUNCT
fsr-3910	200	33	synthetic	synthetic	ADJ
fsr-3910	200	34	gics	gic	NOUN
fsr-3910	200	35	providing	provide	VERB
fsr-3910	200	36	benefit	benefit	NOUN
fsr-3910	200	37	payments	payment	NOUN
fsr-3910	200	38	at	at	ADP
fsr-3910	200	39	book	book	NOUN
fsr-3910	200	40	value	value	NOUN
fsr-3910	200	41	or	or	CCONJ
fsr-3910	200	42	similar	similar	ADJ
fsr-3910	200	43	instruments	instrument	NOUN
fsr-3910	200	44	)	)	PUNCT
fsr-3910	200	45	.	.	PUNCT
fsr-3910	201	1	3	3	X
fsr-3910	201	2	.	.	X
fsr-3910	201	3	company	company	NOUN
fsr-3910	201	4	stockwhich	stockwhich	NOUN
fsr-3910	201	5	is	be	AUX
fsr-3910	201	6	equity	equity	NOUN
fsr-3910	201	7	in	in	ADP
fsr-3910	201	8	the	the	DET
fsr-3910	201	9	participant	participant	NOUN
fsr-3910	201	10	’s	’s	PART
fsr-3910	201	11	employer	employer	NOUN
fsr-3910	201	12	.	.	PUNCT
fsr-3910	202	1	because	because	SCONJ
fsr-3910	202	2	vanderhei	vanderhei	PROPN
fsr-3910	202	3	et	et	PROPN
fsr-3910	202	4	al	al	PROPN
fsr-3910	202	5	.	.	PROPN
fsr-3910	202	6	(	(	PUNCT
fsr-3910	202	7	1999b	1999b	NUM
fsr-3910	202	8	)	)	PUNCT
fsr-3910	202	9	emphasize	emphasize	VERB
fsr-3910	202	10	that	that	SCONJ
fsr-3910	202	11	overall	overall	ADJ
fsr-3910	202	12	401(k	401(k	PROPN
fsr-3910	202	13	)	)	PUNCT
fsr-3910	202	14	asset	asset	NOUN
fsr-3910	202	15	allocation	allocation	NOUN
fsr-3910	202	16	is	be	AUX
fsr-3910	202	17	largely	largely	ADV
fsr-3910	202	18	a	a	DET
fsr-3910	202	19	function	function	NOUN
fsr-3910	202	20	of	of	ADP
fsr-3910	202	21	the	the	DET
fsr-3910	202	22	investment	investment	NOUN
fsr-3910	202	23	menus	menu	NOUN
fsr-3910	202	24	provided	provide	VERB
fsr-3910	202	25	to	to	ADP
fsr-3910	202	26	workers	worker	NOUN
fsr-3910	202	27	(	(	PUNCT
fsr-3910	202	28	e.g.	e.g.	ADV
fsr-3910	202	29	,	,	PUNCT
fsr-3910	202	30	the	the	DET
fsr-3910	202	31	existence	existence	NOUN
fsr-3910	202	32	of	of	ADP
fsr-3910	202	33	company	company	NOUN
fsr-3910	202	34	stock	stock	NOUN
fsr-3910	202	35	as	as	ADP
fsr-3910	202	36	an	an	DET
fsr-3910	202	37	optional	optional	ADJ
fsr-3910	202	38	and/or	and/or	CCONJ
fsr-3910	202	39	required	require	VERB
fsr-3910	202	40	investment	investment	NOUN
fsr-3910	202	41	for	for	ADP
fsr-3910	202	42	employee	employee	NOUN
fsr-3910	202	43	and	and	CCONJ
fsr-3910	202	44	employer	employer	NOUN
fsr-3910	202	45	contributions	contribution	NOUN
fsr-3910	202	46	)	)	PUNCT
fsr-3910	202	47	,	,	PUNCT
fsr-3910	202	48	we	we	PRON
fsr-3910	202	49	limit	limit	VERB
fsr-3910	202	50	our	our	PRON
fsr-3910	202	51	study	study	NOUN
fsr-3910	202	52	to	to	ADP
fsr-3910	202	53	a	a	DET
fsr-3910	202	54	subset	subset	NOUN
fsr-3910	202	55	of	of	ADP
fsr-3910	202	56	participants	participant	NOUN
fsr-3910	202	57	completely	completely	ADV
fsr-3910	202	58	free	free	ADJ
fsr-3910	202	59	of	of	ADP
fsr-3910	202	60	any	any	DET
fsr-3910	202	61	potential	potential	ADJ
fsr-3910	202	62	company	company	NOUN
fsr-3910	202	63	stock	stock	NOUN
fsr-3910	202	64	contamination	contamination	NOUN
fsr-3910	202	65	.	.	PUNCT
fsr-3910	203	1	we	we	PRON
fsr-3910	203	2	chose	choose	VERB
fsr-3910	203	3	a	a	DET
fsr-3910	203	4	sample	sample	NOUN
fsr-3910	203	5	of	of	ADP
fsr-3910	203	6	approximately	approximately	ADV
fsr-3910	203	7	122,000	122,000	NUM
fsr-3910	203	8	participants	participant	NOUN
fsr-3910	203	9	with	with	ADP
fsr-3910	203	10	age	age	NOUN
fsr-3910	203	11	,	,	PUNCT
fsr-3910	203	12	salary	salary	NOUN
fsr-3910	203	13	,	,	PUNCT
fsr-3910	203	14	gender	gender	NOUN
fsr-3910	203	15	and	and	CCONJ
fsr-3910	203	16	complete	complete	ADJ
fsr-3910	203	17	information	information	NOUN
fsr-3910	203	18	on	on	ADP
fsr-3910	203	19	year	year	NOUN
fsr-3910	203	20	-	-	PUNCT
fsr-3910	203	21	end	end	NOUN
fsr-3910	203	22	1996	1996	NUM
fsr-3910	203	23	asset	asset	NOUN
fsr-3910	203	24	allocations	allocation	NOUN
fsr-3910	203	25	.	.	PUNCT
fsr-3910	204	1	none	none	NOUN
fsr-3910	204	2	of	of	ADP
fsr-3910	204	3	these	these	DET
fsr-3910	204	4	participants	participant	NOUN
fsr-3910	204	5	were	be	AUX
fsr-3910	204	6	exposed	expose	VERB
fsr-3910	204	7	to	to	ADP
fsr-3910	204	8	a	a	DET
fsr-3910	204	9	company	company	NOUN
fsr-3910	204	10	stock	stock	NOUN
fsr-3910	204	11	investment	investment	NOUN
fsr-3910	204	12	as	as	ADP
fsr-3910	204	13	either	either	CCONJ
fsr-3910	204	14	an	an	DET
fsr-3910	204	15	optional	optional	ADJ
fsr-3910	204	16	or	or	CCONJ
fsr-3910	204	17	a	a	DET
fsr-3910	204	18	required	required	ADJ
fsr-3910	204	19	contribution	contribution	NOUN
fsr-3910	204	20	.	.	PUNCT
fsr-3910	205	1	similar	similar	ADJ
fsr-3910	205	2	to	to	ADP
fsr-3910	205	3	earlier	early	ADJ
fsr-3910	205	4	studies	study	NOUN
fsr-3910	205	5	by	by	ADP
fsr-3910	205	6	bajtelsmit	bajtelsmit	NOUN
fsr-3910	205	7	and	and	CCONJ
fsr-3910	205	8	vanderhei	vanderhei	PROPN
fsr-3910	205	9	(	(	PUNCT
fsr-3910	205	10	1997	1997	NUM
fsr-3910	205	11	)	)	PUNCT
fsr-3910	205	12	and	and	CCONJ
fsr-3910	205	13	hinz	hinz	PROPN
fsr-3910	205	14	,	,	PUNCT
fsr-3910	205	15	mccarthy	mccarthy	PROPN
fsr-3910	205	16	and	and	CCONJ
fsr-3910	205	17	turner	turner	PROPN
fsr-3910	205	18	(	(	PUNCT
fsr-3910	205	19	1997	1997	NUM
fsr-3910	205	20	)	)	PUNCT
fsr-3910	205	21	,	,	PUNCT
fsr-3910	205	22	we	we	PRON
fsr-3910	205	23	begin	begin	VERB
fsr-3910	205	24	by	by	ADP
fsr-3910	205	25	estimating	estimate	VERB
fsr-3910	205	26	the	the	DET
fsr-3910	205	27	effect	effect	NOUN
fsr-3910	205	28	of	of	ADP
fsr-3910	205	29	gender	gender	NOUN
fsr-3910	205	30	,	,	PUNCT
fsr-3910	205	31	age	age	NOUN
fsr-3910	205	32	and	and	CCONJ
fsr-3910	205	33	salary	salary	NOUN
fsr-3910	205	34	on	on	ADP
fsr-3910	205	35	asset	asset	NOUN
fsr-3910	205	36	allocations	allocation	NOUN
fsr-3910	205	37	for	for	ADP
fsr-3910	205	38	the	the	DET
fsr-3910	205	39	total	total	ADJ
fsr-3910	205	40	account	account	NOUN
fsr-3910	205	41	balance	balance	NOUN
fsr-3910	205	42	.	.	PUNCT
fsr-3910	206	1	given	give	VERB
fsr-3910	206	2	the	the	DET
fsr-3910	206	3	nonlinearity	nonlinearity	NOUN
fsr-3910	206	4	of	of	ADP
fsr-3910	206	5	the	the	DET
fsr-3910	206	6	impact	impact	NOUN
fsr-3910	206	7	of	of	ADP
fsr-3910	206	8	age	age	NOUN
fsr-3910	206	9	and	and	CCONJ
fsr-3910	206	10	salary	salary	NOUN
fsr-3910	206	11	found	find	VERB
fsr-3910	206	12	in	in	ADP
fsr-3910	206	13	yakoboski	yakoboski	NOUN
fsr-3910	206	14	and	and	CCONJ
fsr-3910	206	15	vanderhei	vanderhei	PROPN
fsr-3910	206	16	(	(	PUNCT
fsr-3910	206	17	1996	1996	NUM
fsr-3910	206	18	)	)	PUNCT
fsr-3910	206	19	,	,	PUNCT
fsr-3910	206	20	bajtelsmit	bajtelsmit	NOUN
fsr-3910	206	21	and	and	CCONJ
fsr-3910	206	22	vanderhei	vanderhei	PROPN
fsr-3910	206	23	(	(	PUNCT
fsr-3910	206	24	1997	1997	NUM
fsr-3910	206	25	)	)	PUNCT
fsr-3910	206	26	,	,	PUNCT
fsr-3910	206	27	and	and	CCONJ
fsr-3910	206	28	goodfellow	goodfellow	NOUN
fsr-3910	206	29	and	and	CCONJ
fsr-3910	206	30	schieber	schieber	PROPN
fsr-3910	206	31	(	(	PUNCT
fsr-3910	206	32	1997	1997	NUM
fsr-3910	206	33	)	)	PUNCT
fsr-3910	206	34	,	,	PUNCT
fsr-3910	206	35	we	we	PRON
fsr-3910	206	36	chose	choose	VERB
fsr-3910	206	37	to	to	PART
fsr-3910	206	38	segment	segment	VERB
fsr-3910	206	39	the	the	DET
fsr-3910	206	40	age	age	NOUN
fsr-3910	206	41	category	category	NOUN
fsr-3910	206	42	into	into	ADP
fsr-3910	206	43	ten	ten	NUM
fsr-3910	206	44	year	year	NOUN
fsr-3910	206	45	increments	increment	NOUN
fsr-3910	206	46	(	(	PUNCT
fsr-3910	206	47	20–30	20–30	NUM
fsr-3910	206	48	,	,	PUNCT
fsr-3910	206	49	30–40	30–40	NUM
fsr-3910	206	50	,	,	PUNCT
fsr-3910	206	51	40–50	40–50	NUM
fsr-3910	206	52	,	,	PUNCT
fsr-3910	206	53	50–60	50–60	NOUN
fsr-3910	206	54	and	and	CCONJ
fsr-3910	206	55	over	over	ADP
fsr-3910	206	56	60	60	NUM
fsr-3910	206	57	)	)	PUNCT
fsr-3910	206	58	and	and	CCONJ
fsr-3910	206	59	salary	salary	NOUN
fsr-3910	206	60	into	into	ADP
fsr-3910	206	61	$	$	SYM
fsr-3910	206	62	25,000	25,000	NUM
fsr-3910	206	63	increments	increment	NOUN
fsr-3910	206	64	(	(	PUNCT
fsr-3910	206	65	less	less	ADJ
fsr-3910	206	66	than	than	ADP
fsr-3910	206	67	$	$	SYM
fsr-3910	206	68	25,000	25,000	NUM
fsr-3910	206	69	,	,	PUNCT
fsr-3910	206	70	$	$	SYM
fsr-3910	206	71	25,000-$50,000	25,000-$50,000	NUM
fsr-3910	206	72	,	,	PUNCT
fsr-3910	206	73	$	$	SYM
fsr-3910	206	74	50,000-$75,000	50,000-$75,000	NUM
fsr-3910	206	75	,	,	PUNCT
fsr-3910	206	76	$	$	SYM
fsr-3910	206	77	75,000-$100,000	75,000-$100,000	NUM
fsr-3910	206	78	,	,	PUNCT
fsr-3910	206	79	and	and	CCONJ
fsr-3910	206	80	over	over	ADP
fsr-3910	206	81	$	$	SYM
fsr-3910	206	82	100,000	100,000	NUM
fsr-3910	206	83	)	)	PUNCT
fsr-3910	206	84	.	.	PUNCT
fsr-3910	207	1	we	we	PRON
fsr-3910	207	2	also	also	ADV
fsr-3910	207	3	chose	choose	VERB
fsr-3910	207	4	to	to	PART
fsr-3910	207	5	analyze	analyze	VERB
fsr-3910	207	6	the	the	DET
fsr-3910	207	7	impact	impact	NOUN
fsr-3910	207	8	of	of	ADP
fsr-3910	207	9	gender	gender	NOUN
fsr-3910	207	10	by	by	ADP
fsr-3910	207	11	including	include	VERB
fsr-3910	207	12	both	both	CCONJ
fsr-3910	207	13	a	a	DET
fsr-3910	207	14	dummy	dummy	ADJ
fsr-3910	207	15	variable	variable	NOUN
fsr-3910	207	16	for	for	ADP
fsr-3910	207	17	females	female	NOUN
fsr-3910	207	18	as	as	ADV
fsr-3910	207	19	well	well	ADV
fsr-3910	207	20	as	as	ADP
fsr-3910	207	21	an	an	DET
fsr-3910	207	22	interaction	interaction	NOUN
fsr-3910	207	23	term	term	NOUN
fsr-3910	207	24	with	with	ADP
fsr-3910	207	25	each	each	PRON
fsr-3910	207	26	of	of	ADP
fsr-3910	207	27	the	the	DET
fsr-3910	207	28	age	age	NOUN
fsr-3910	207	29	and	and	CCONJ
fsr-3910	207	30	salary	salary	NOUN
fsr-3910	207	31	categories	category	NOUN
fsr-3910	207	32	.	.	PUNCT
fsr-3910	208	1	table	table	NOUN
fsr-3910	208	2	2	2	NUM
fsr-3910	208	3	shows	show	VERB
fsr-3910	208	4	double	double	ADJ
fsr-3910	208	5	-	-	PUNCT
fsr-3910	208	6	censored	censor	VERB
fsr-3910	208	7	tobit	tobit	NOUN
fsr-3910	208	8	regression	regression	NOUN
fsr-3910	208	9	results	result	NOUN
fsr-3910	208	10	when	when	SCONJ
fsr-3910	208	11	the	the	DET
fsr-3910	208	12	dependent	dependent	ADJ
fsr-3910	208	13	variable	variable	NOUN
fsr-3910	208	14	is	be	AUX
fsr-3910	208	15	defined	define	VERB
fsr-3910	208	16	as	as	ADP
fsr-3910	208	17	the	the	DET
fsr-3910	208	18	percentage	percentage	NOUN
fsr-3910	208	19	of	of	ADP
fsr-3910	208	20	equity	equity	NOUN
fsr-3910	208	21	in	in	ADP
fsr-3910	208	22	the	the	DET
fsr-3910	208	23	total	total	ADJ
fsr-3910	208	24	account	account	NOUN
fsr-3910	208	25	balance	balance	NOUN
fsr-3910	208	26	.	.	PUNCT
fsr-3910	209	1	the	the	DET
fsr-3910	209	2	model	model	NOUN
fsr-3910	209	3	consists	consist	VERB
fsr-3910	209	4	of	of	ADP
fsr-3910	209	5	a	a	DET
fsr-3910	209	6	gender	gender	NOUN
fsr-3910	209	7	variable	variable	NOUN
fsr-3910	209	8	(	(	PUNCT
fsr-3910	209	9	female	female	NOUN
fsr-3910	209	10	)	)	PUNCT
fsr-3910	209	11	,	,	PUNCT
fsr-3910	209	12	four	four	NUM
fsr-3910	209	13	salary	salary	NOUN
fsr-3910	209	14	dummy	dummy	ADJ
fsr-3910	209	15	variables	variable	NOUN
fsr-3910	209	16	,	,	PUNCT
fsr-3910	209	17	four	four	NUM
fsr-3910	209	18	age	age	NOUN
fsr-3910	209	19	dummy	dummy	ADJ
fsr-3910	209	20	variables	variable	NOUN
fsr-3910	209	21	and	and	CCONJ
fsr-3910	209	22	separate	separate	ADJ
fsr-3910	209	23	interaction	interaction	NOUN
fsr-3910	209	24	terms	term	NOUN
fsr-3910	209	25	between	between	ADP
fsr-3910	209	26	gender	gender	NOUN
fsr-3910	209	27	and	and	CCONJ
fsr-3910	209	28	the	the	DET
fsr-3910	209	29	salary	salary	NOUN
fsr-3910	209	30	and	and	CCONJ
fsr-3910	209	31	age	age	NOUN
fsr-3910	209	32	dummy	dummy	ADJ
fsr-3910	209	33	variables	variable	NOUN
fsr-3910	209	34	.	.	PUNCT
fsr-3910	210	1	the	the	DET
fsr-3910	210	2	salary	salary	NOUN
fsr-3910	210	3	variables	variable	NOUN
fsr-3910	210	4	(	(	PUNCT
fsr-3910	210	5	sal2550	sal2550	ADV
fsr-3910	210	6	,	,	PUNCT
fsr-3910	210	7	sal5075	sal5075	ADJ
fsr-3910	210	8	,	,	PUNCT
fsr-3910	210	9	sal75100	sal75100	NOUN
fsr-3910	210	10	,	,	PUNCT
fsr-3910	210	11	and	and	CCONJ
fsr-3910	210	12	sal100p	sal100p	NOUN
fsr-3910	210	13	)	)	PUNCT
fsr-3910	210	14	bracket	bracket	VERB
fsr-3910	210	15	the	the	DET
fsr-3910	210	16	participant	participant	NOUN
fsr-3910	210	17	’s	’s	PART
fsr-3910	210	18	salary	salary	NOUN
fsr-3910	210	19	in	in	ADP
fsr-3910	210	20	$	$	SYM
fsr-3910	210	21	25,000	25,000	NUM
fsr-3910	210	22	increments	increment	NOUN
fsr-3910	210	23	with	with	ADP
fsr-3910	210	24	the	the	DET
fsr-3910	210	25	last	last	ADJ
fsr-3910	210	26	variable	variable	NOUN
fsr-3910	210	27	including	include	VERB
fsr-3910	210	28	all	all	DET
fsr-3910	210	29	participants	participant	NOUN
fsr-3910	210	30	earning	earn	VERB
fsr-3910	210	31	in	in	ADP
fsr-3910	210	32	excess	excess	NOUN
fsr-3910	210	33	of	of	ADP
fsr-3910	210	34	$	$	SYM
fsr-3910	210	35	100,000	100,000	NUM
fsr-3910	210	36	.	.	PUNCT
fsr-3910	211	1	the	the	DET
fsr-3910	211	2	age	age	NOUN
fsr-3910	211	3	variables	variable	NOUN
fsr-3910	211	4	(	(	PUNCT
fsr-3910	211	5	age3040	age3040	ADV
fsr-3910	211	6	,	,	PUNCT
fsr-3910	211	7	age4050	age4050	ADJ
fsr-3910	211	8	,	,	PUNCT
fsr-3910	211	9	age5060	age5060	NOUN
fsr-3910	211	10	,	,	PUNCT
fsr-3910	211	11	age60p	age60p	ADJ
fsr-3910	211	12	)	)	PUNCT
fsr-3910	211	13	divide	divide	VERB
fsr-3910	211	14	the	the	DET
fsr-3910	211	15	participants	participant	NOUN
fsr-3910	211	16	into	into	ADP
fsr-3910	211	17	ten	ten	NUM
fsr-3910	211	18	year	year	NOUN
fsr-3910	211	19	age	age	NOUN
fsr-3910	211	20	brackets	bracket	NOUN
fsr-3910	211	21	with	with	ADP
fsr-3910	211	22	the	the	DET
fsr-3910	211	23	last	last	ADJ
fsr-3910	211	24	variable	variable	NOUN
fsr-3910	211	25	including	include	VERB
fsr-3910	211	26	all	all	DET
fsr-3910	211	27	participants	participant	NOUN
fsr-3910	211	28	over	over	ADP
fsr-3910	211	29	age	age	NOUN
fsr-3910	211	30	60	60	NUM
fsr-3910	211	31	.	.	PUNCT
fsr-3910	212	1	the	the	DET
fsr-3910	212	2	various	various	ADJ
fsr-3910	212	3	interaction	interaction	NOUN
fsr-3910	212	4	terms	term	NOUN
fsr-3910	212	5	(	(	PUNCT
fsr-3910	212	6	e.g.	e.g.	ADV
fsr-3910	212	7	,	,	PUNCT
fsr-3910	212	8	isal2550	isal2550	PROPN
fsr-3910	212	9	)	)	PUNCT
fsr-3910	212	10	represent	represent	VERB
fsr-3910	212	11	dummy	dummy	NOUN
fsr-3910	212	12	73j.l	73j.l	PROPN
fsr-3910	212	13	.	.	PUNCT
fsr-3910	213	1	vanderhei	vanderhei	PROPN
fsr-3910	213	2	,	,	PUNCT
fsr-3910	213	3	k.a	k.a	PROPN
fsr-3910	213	4	.	.	PROPN
fsr-3910	213	5	olsen	olsen	PROPN
fsr-3910	213	6	/	/	SYM
fsr-3910	213	7	financial	financial	ADJ
fsr-3910	213	8	services	service	NOUN
fsr-3910	213	9	review	review	VERB
fsr-3910	213	10	9	9	NUM
fsr-3910	213	11	(	(	PUNCT
fsr-3910	213	12	2000	2000	NUM
fsr-3910	213	13	)	)	PUNCT
fsr-3910	213	14	65–78	65–78	NUM
fsr-3910	213	15	variables	variable	NOUN
fsr-3910	213	16	that	that	PRON
fsr-3910	213	17	are	be	AUX
fsr-3910	213	18	equal	equal	ADJ
fsr-3910	213	19	to	to	ADP
fsr-3910	213	20	one	one	NUM
fsr-3910	213	21	if	if	SCONJ
fsr-3910	213	22	the	the	DET
fsr-3910	213	23	participant	participant	NOUN
fsr-3910	213	24	is	be	AUX
fsr-3910	213	25	a	a	DET
fsr-3910	213	26	female	female	ADJ
fsr-3910	213	27	and	and	CCONJ
fsr-3910	213	28	the	the	DET
fsr-3910	213	29	respective	respective	ADJ
fsr-3910	213	30	salary	salary	NOUN
fsr-3910	213	31	or	or	CCONJ
fsr-3910	213	32	age	age	NOUN
fsr-3910	213	33	variable	variable	NOUN
fsr-3910	213	34	is	be	AUX
fsr-3910	213	35	equal	equal	ADJ
fsr-3910	213	36	to	to	ADP
fsr-3910	213	37	one	one	NUM
fsr-3910	213	38	.	.	PUNCT
fsr-3910	214	1	each	each	PRON
fsr-3910	214	2	of	of	ADP
fsr-3910	214	3	the	the	DET
fsr-3910	214	4	coefficients	coefficient	NOUN
fsr-3910	214	5	for	for	ADP
fsr-3910	214	6	salary	salary	NOUN
fsr-3910	214	7	are	be	AUX
fsr-3910	214	8	positive	positive	ADJ
fsr-3910	214	9	and	and	CCONJ
fsr-3910	214	10	significant	significant	ADJ
fsr-3910	214	11	,	,	PUNCT
fsr-3910	214	12	indicating	indicate	VERB
fsr-3910	214	13	that	that	SCONJ
fsr-3910	214	14	persons	person	NOUN
fsr-3910	214	15	earning	earn	VERB
fsr-3910	214	16	more	more	ADJ
fsr-3910	214	17	than	than	ADP
fsr-3910	214	18	$	$	SYM
fsr-3910	214	19	25,000	25,000	NUM
fsr-3910	214	20	tend	tend	VERB
fsr-3910	214	21	to	to	PART
fsr-3910	214	22	invest	invest	VERB
fsr-3910	214	23	in	in	ADP
fsr-3910	214	24	equities	equity	NOUN
fsr-3910	214	25	to	to	ADP
fsr-3910	214	26	a	a	DET
fsr-3910	214	27	greater	great	ADJ
fsr-3910	214	28	extent	extent	NOUN
fsr-3910	214	29	than	than	ADP
fsr-3910	214	30	those	those	PRON
fsr-3910	214	31	earning	earn	VERB
fsr-3910	214	32	less	less	ADJ
fsr-3910	214	33	than	than	ADP
fsr-3910	214	34	$	$	SYM
fsr-3910	214	35	25,000	25,000	NUM
fsr-3910	214	36	.	.	PUNCT
fsr-3910	215	1	however	however	ADV
fsr-3910	215	2	,	,	PUNCT
fsr-3910	215	3	the	the	DET
fsr-3910	215	4	coefficients	coefficient	NOUN
fsr-3910	215	5	are	be	AUX
fsr-3910	215	6	not	not	PART
fsr-3910	215	7	monotonically	monotonically	ADV
fsr-3910	215	8	increasing	increase	VERB
fsr-3910	215	9	but	but	CCONJ
fsr-3910	215	10	follow	follow	VERB
fsr-3910	215	11	a	a	DET
fsr-3910	215	12	“	"	PUNCT
fsr-3910	215	13	u	u	NOUN
fsr-3910	215	14	”	"	PUNCT
fsr-3910	215	15	shape	shape	NOUN
fsr-3910	215	16	with	with	ADP
fsr-3910	215	17	the	the	DET
fsr-3910	215	18	minimum	minimum	NOUN
fsr-3910	215	19	(	(	PUNCT
fsr-3910	215	20	but	but	CCONJ
fsr-3910	215	21	still	still	ADV
fsr-3910	215	22	positive	positive	ADJ
fsr-3910	215	23	)	)	PUNCT
fsr-3910	215	24	value	value	NOUN
fsr-3910	215	25	for	for	ADP
fsr-3910	215	26	those	those	PRON
fsr-3910	215	27	earning	earn	VERB
fsr-3910	215	28	between	between	ADP
fsr-3910	215	29	$	$	SYM
fsr-3910	215	30	50,000	50,000	NUM
fsr-3910	215	31	and	and	CCONJ
fsr-3910	215	32	$	$	SYM
fsr-3910	215	33	75,000	75,000	NUM
fsr-3910	215	34	.	.	PUNCT
fsr-3910	216	1	each	each	PRON
fsr-3910	216	2	of	of	ADP
fsr-3910	216	3	the	the	DET
fsr-3910	216	4	age	age	NOUN
fsr-3910	216	5	coefficients	coefficient	NOUN
fsr-3910	216	6	are	be	AUX
fsr-3910	216	7	also	also	ADV
fsr-3910	216	8	significant	significant	ADJ
fsr-3910	216	9	:	:	PUNCT
fsr-3910	216	10	however	however	ADV
fsr-3910	216	11	,	,	PUNCT
fsr-3910	216	12	as	as	SCONJ
fsr-3910	216	13	expected	expect	VERB
fsr-3910	216	14	,	,	PUNCT
fsr-3910	216	15	the	the	DET
fsr-3910	216	16	coefficients	coefficient	NOUN
fsr-3910	216	17	for	for	ADP
fsr-3910	216	18	those	those	DET
fsr-3910	216	19	over	over	ADP
fsr-3910	216	20	40	40	NUM
fsr-3910	216	21	are	be	AUX
fsr-3910	216	22	all	all	ADV
fsr-3910	216	23	negative	negative	ADJ
fsr-3910	216	24	(	(	PUNCT
fsr-3910	216	25	indicating	indicate	VERB
fsr-3910	216	26	a	a	DET
fsr-3910	216	27	smaller	small	ADJ
fsr-3910	216	28	propensity	propensity	NOUN
fsr-3910	216	29	to	to	PART
fsr-3910	216	30	invest	invest	VERB
fsr-3910	216	31	in	in	ADP
fsr-3910	216	32	equities	equity	NOUN
fsr-3910	216	33	than	than	ADP
fsr-3910	216	34	those	those	PRON
fsr-3910	216	35	in	in	ADP
fsr-3910	216	36	their	their	PRON
fsr-3910	216	37	twenties	twenty	NOUN
fsr-3910	216	38	)	)	PUNCT
fsr-3910	216	39	.	.	PUNCT
fsr-3910	217	1	after	after	ADP
fsr-3910	217	2	a	a	DET
fsr-3910	217	3	small	small	ADJ
fsr-3910	217	4	positive	positive	ADJ
fsr-3910	217	5	coefficient	coefficient	NOUN
fsr-3910	217	6	for	for	ADP
fsr-3910	217	7	participants	participant	NOUN
fsr-3910	217	8	in	in	ADP
fsr-3910	217	9	their	their	PRON
fsr-3910	217	10	thirties	thirty	NOUN
fsr-3910	217	11	,	,	PUNCT
fsr-3910	217	12	the	the	DET
fsr-3910	217	13	coefficients	coefficient	NOUN
fsr-3910	217	14	become	become	VERB
fsr-3910	217	15	increasingly	increasingly	ADV
fsr-3910	217	16	negative	negative	ADJ
fsr-3910	217	17	for	for	ADP
fsr-3910	217	18	older	old	ADJ
fsr-3910	217	19	age	age	NOUN
fsr-3910	217	20	cohorts	cohort	NOUN
fsr-3910	217	21	.	.	PUNCT
fsr-3910	218	1	the	the	DET
fsr-3910	218	2	coefficient	coefficient	NOUN
fsr-3910	218	3	for	for	ADP
fsr-3910	218	4	the	the	DET
fsr-3910	218	5	female	female	ADJ
fsr-3910	218	6	dummy	dummy	ADJ
fsr-3910	218	7	variable	variable	NOUN
fsr-3910	218	8	is	be	AUX
fsr-3910	218	9	negative	negative	ADJ
fsr-3910	218	10	(	(	PUNCT
fsr-3910	218	11	indicating	indicate	VERB
fsr-3910	218	12	that	that	SCONJ
fsr-3910	218	13	women	woman	NOUN
fsr-3910	218	14	have	have	VERB
fsr-3910	218	15	a	a	DET
fsr-3910	218	16	smaller	small	ADJ
fsr-3910	218	17	propensity	propensity	NOUN
fsr-3910	218	18	to	to	PART
fsr-3910	218	19	invest	invest	VERB
fsr-3910	218	20	in	in	ADP
fsr-3910	218	21	equities	equity	NOUN
fsr-3910	218	22	)	)	PUNCT
fsr-3910	218	23	and	and	CCONJ
fsr-3910	218	24	statistically	statistically	ADV
fsr-3910	218	25	significant	significant	ADJ
fsr-3910	218	26	.	.	PUNCT
fsr-3910	219	1	in	in	ADP
fsr-3910	219	2	addition	addition	NOUN
fsr-3910	219	3	many	many	ADJ
fsr-3910	219	4	of	of	ADP
fsr-3910	219	5	the	the	DET
fsr-3910	219	6	interaction	interaction	NOUN
fsr-3910	219	7	terms	term	NOUN
fsr-3910	219	8	between	between	ADP
fsr-3910	219	9	gender	gender	NOUN
fsr-3910	219	10	and	and	CCONJ
fsr-3910	219	11	salary	salary	NOUN
fsr-3910	219	12	or	or	CCONJ
fsr-3910	219	13	age	age	NOUN
fsr-3910	219	14	are	be	AUX
fsr-3910	219	15	also	also	ADV
fsr-3910	219	16	significant	significant	ADJ
fsr-3910	219	17	,	,	PUNCT
fsr-3910	219	18	suggesting	suggest	VERB
fsr-3910	219	19	that	that	SCONJ
fsr-3910	219	20	the	the	DET
fsr-3910	219	21	relationship	relationship	NOUN
fsr-3910	219	22	between	between	ADP
fsr-3910	219	23	these	these	DET
fsr-3910	219	24	variables	variable	NOUN
fsr-3910	219	25	and	and	CCONJ
fsr-3910	219	26	equity	equity	NOUN
fsr-3910	219	27	allocation	allocation	NOUN
fsr-3910	219	28	differs	differ	VERB
fsr-3910	219	29	by	by	ADP
fsr-3910	219	30	gender	gender	NOUN
fsr-3910	219	31	.	.	PUNCT
fsr-3910	220	1	the	the	DET
fsr-3910	220	2	interaction	interaction	NOUN
fsr-3910	220	3	terms	term	NOUN
fsr-3910	220	4	between	between	ADP
fsr-3910	220	5	gender	gender	NOUN
fsr-3910	220	6	and	and	CCONJ
fsr-3910	220	7	$	$	SYM
fsr-3910	220	8	25,000	25,000	NUM
fsr-3910	220	9	and	and	CCONJ
fsr-3910	220	10	$	$	SYM
fsr-3910	220	11	75,000	75,000	NUM
fsr-3910	220	12	salaries	salary	NOUN
fsr-3910	220	13	are	be	AUX
fsr-3910	220	14	negative	negative	ADJ
fsr-3910	220	15	and	and	CCONJ
fsr-3910	220	16	statistically	statistically	ADV
fsr-3910	220	17	significant	significant	ADJ
fsr-3910	220	18	while	while	SCONJ
fsr-3910	220	19	the	the	DET
fsr-3910	220	20	interaction	interaction	NOUN
fsr-3910	220	21	terms	term	NOUN
fsr-3910	220	22	for	for	ADP
fsr-3910	220	23	women	woman	NOUN
fsr-3910	220	24	at	at	ADP
fsr-3910	220	25	salaries	salary	NOUN
fsr-3910	220	26	above	above	ADP
fsr-3910	220	27	$	$	SYM
fsr-3910	220	28	75,000	75,000	NUM
fsr-3910	220	29	are	be	AUX
fsr-3910	220	30	insignificant	insignificant	ADJ
fsr-3910	220	31	.	.	PUNCT
fsr-3910	221	1	this	this	PRON
fsr-3910	221	2	suggests	suggest	VERB
fsr-3910	221	3	that	that	SCONJ
fsr-3910	221	4	some	some	PRON
fsr-3910	221	5	of	of	ADP
fsr-3910	221	6	the	the	DET
fsr-3910	221	7	gender	gender	NOUN
fsr-3910	221	8	differences	difference	NOUN
fsr-3910	221	9	in	in	ADP
fsr-3910	221	10	asset	asset	NOUN
fsr-3910	221	11	allocation	allocation	NOUN
fsr-3910	221	12	reported	report	VERB
fsr-3910	221	13	earlier	early	ADV
fsr-3910	221	14	(	(	PUNCT
fsr-3910	221	15	sunden	sunden	ADJ
fsr-3910	221	16	,	,	PUNCT
fsr-3910	221	17	1998	1998	NUM
fsr-3910	221	18	;	;	PUNCT
fsr-3910	221	19	papke	papke	PROPN
fsr-3910	221	20	,	,	PUNCT
fsr-3910	221	21	1998	1998	NUM
fsr-3910	221	22	)	)	PUNCT
fsr-3910	221	23	may	may	AUX
fsr-3910	221	24	be	be	AUX
fsr-3910	221	25	due	due	ADJ
fsr-3910	221	26	primarily	primarily	ADV
fsr-3910	221	27	to	to	PART
fsr-3910	221	28	lower	lower	ADV
fsr-3910	221	29	-	-	PUNCT
fsr-3910	221	30	earning	earn	VERB
fsr-3910	221	31	females	female	NOUN
fsr-3910	221	32	and	and	CCONJ
fsr-3910	221	33	that	that	SCONJ
fsr-3910	221	34	,	,	PUNCT
fsr-3910	221	35	above	above	ADP
fsr-3910	221	36	a	a	DET
fsr-3910	221	37	threshold	threshold	NOUN
fsr-3910	221	38	wage	wage	NOUN
fsr-3910	221	39	,	,	PUNCT
fsr-3910	221	40	the	the	DET
fsr-3910	221	41	distinctions	distinction	NOUN
fsr-3910	221	42	may	may	AUX
fsr-3910	221	43	no	no	ADV
fsr-3910	221	44	longer	long	ADV
fsr-3910	221	45	be	be	AUX
fsr-3910	221	46	material	material	ADJ
fsr-3910	221	47	.	.	PUNCT
fsr-3910	222	1	two	two	NUM
fsr-3910	222	2	of	of	ADP
fsr-3910	222	3	the	the	DET
fsr-3910	222	4	interaction	interaction	NOUN
fsr-3910	222	5	terms	term	NOUN
fsr-3910	222	6	for	for	ADP
fsr-3910	222	7	age	age	NOUN
fsr-3910	222	8	and	and	CCONJ
fsr-3910	222	9	gender	gender	NOUN
fsr-3910	222	10	categories	category	NOUN
fsr-3910	222	11	are	be	AUX
fsr-3910	222	12	statistically	statistically	ADV
fsr-3910	222	13	significant	significant	ADJ
fsr-3910	222	14	.	.	PUNCT
fsr-3910	223	1	the	the	DET
fsr-3910	223	2	coefficient	coefficient	NOUN
fsr-3910	223	3	for	for	ADP
fsr-3910	223	4	those	those	PRON
fsr-3910	223	5	between	between	ADP
fsr-3910	223	6	age	age	NOUN
fsr-3910	223	7	30	30	NUM
fsr-3910	223	8	and	and	CCONJ
fsr-3910	223	9	40	40	NUM
fsr-3910	223	10	is	be	AUX
fsr-3910	223	11	negative	negative	ADJ
fsr-3910	223	12	while	while	SCONJ
fsr-3910	223	13	the	the	DET
fsr-3910	223	14	coefficient	coefficient	NOUN
fsr-3910	223	15	for	for	ADP
fsr-3910	223	16	females	female	NOUN
fsr-3910	223	17	ages	age	NOUN
fsr-3910	223	18	50	50	NUM
fsr-3910	223	19	to	to	PART
fsr-3910	223	20	60	60	NUM
fsr-3910	223	21	is	be	AUX
fsr-3910	223	22	positive	positive	ADJ
fsr-3910	223	23	.	.	PUNCT
fsr-3910	224	1	this	this	PRON
fsr-3910	224	2	suggests	suggest	VERB
fsr-3910	224	3	that	that	SCONJ
fsr-3910	224	4	women	woman	NOUN
fsr-3910	224	5	may	may	AUX
fsr-3910	224	6	be	be	AUX
fsr-3910	224	7	more	more	ADJ
fsr-3910	224	8	risk	risk	NOUN
fsr-3910	224	9	averse	averse	ADJ
fsr-3910	224	10	in	in	ADP
fsr-3910	224	11	their	their	PRON
fsr-3910	224	12	asset	asset	NOUN
fsr-3910	224	13	allocation	allocation	NOUN
fsr-3910	224	14	decisions	decision	NOUN
fsr-3910	224	15	while	while	SCONJ
fsr-3910	224	16	young	young	ADJ
fsr-3910	224	17	and	and	CCONJ
fsr-3910	224	18	that	that	SCONJ
fsr-3910	224	19	this	this	DET
fsr-3910	224	20	discrepancy	discrepancy	NOUN
fsr-3910	224	21	lessens	lessen	VERB
fsr-3910	224	22	and	and	CCONJ
fsr-3910	224	23	even	even	ADV
fsr-3910	224	24	reverses	reverse	VERB
fsr-3910	224	25	later	later	ADV
fsr-3910	224	26	in	in	ADP
fsr-3910	224	27	life	life	NOUN
fsr-3910	224	28	.	.	PUNCT
fsr-3910	225	1	table	table	NOUN
fsr-3910	225	2	2	2	NUM
fsr-3910	225	3	estimates	estimate	NOUN
fsr-3910	225	4	of	of	ADP
fsr-3910	225	5	the	the	DET
fsr-3910	225	6	effect	effect	NOUN
fsr-3910	225	7	of	of	ADP
fsr-3910	225	8	gender	gender	NOUN
fsr-3910	225	9	,	,	PUNCT
fsr-3910	225	10	age	age	NOUN
fsr-3910	225	11	and	and	CCONJ
fsr-3910	225	12	salary	salary	NOUN
fsr-3910	225	13	on	on	ADP
fsr-3910	225	14	equity	equity	NOUN
fsr-3910	225	15	allocation	allocation	NOUN
fsr-3910	225	16	for	for	ADP
fsr-3910	225	17	401	401	NUM
fsr-3910	225	18	(	(	PUNCT
fsr-3910	225	19	k	k	NOUN
fsr-3910	225	20	)	)	PUNCT
fsr-3910	225	21	total	total	ADJ
fsr-3910	225	22	account	account	NOUN
fsr-3910	225	23	balances	balance	NOUN
fsr-3910	225	24	variable	variable	ADJ
fsr-3910	225	25	estimate	estimate	VERB
fsr-3910	225	26	std	std	X
fsr-3910	225	27	err	err	NOUN
fsr-3910	225	28	pr	pr	X
fsr-3910	225	29	.	.	PUNCT
fsr-3910	226	1	chi	chi	PROPN
fsr-3910	226	2	intercpt	intercpt	NOUN
fsr-3910	226	3	0.44567686	0.44567686	NUM
fsr-3910	226	4	0.006469	0.006469	NUM
fsr-3910	226	5	0.0001	0.0001	NUM
fsr-3910	226	6	sal2550	sal2550	NOUN
fsr-3910	226	7	0.14827351	0.14827351	NUM
fsr-3910	226	8	0.0066276	0.0066276	NUM
fsr-3910	226	9	0.0001	0.0001	NUM
fsr-3910	226	10	sal5075	sal5075	VERB
fsr-3910	226	11	0.09016767	0.09016767	NUM
fsr-3910	226	12	0.007006	0.007006	NUM
fsr-3910	226	13	0.0001	0.0001	NUM
fsr-3910	226	14	sal75100	sal75100	NOUN
fsr-3910	226	15	0.1228902	0.1228902	NUM
fsr-3910	226	16	0.008916	0.008916	NUM
fsr-3910	226	17	0.0001	0.0001	NUM
fsr-3910	226	18	sal100p	sal100p	NUM
fsr-3910	226	19	0.2406459	0.2406459	NUM
fsr-3910	226	20	0.010615	0.010615	NUM
fsr-3910	226	21	0.0001	0.0001	NUM
fsr-3910	226	22	age3040	age3040	VERB
fsr-3910	226	23	0.04015406	0.04015406	NUM
fsr-3910	226	24	0.007449	0.007449	NUM
fsr-3910	226	25	0.0001	0.0001	NUM
fsr-3910	226	26	age4050	age4050	NOUN
fsr-3910	226	27	20.0456495	20.0456495	NUM
fsr-3910	226	28	0.007371	0.007371	NUM
fsr-3910	226	29	0.0001	0.0001	NUM
fsr-3910	226	30	age5060	age5060	NOUN
fsr-3910	226	31	20.1040694	20.1040694	NUM
fsr-3910	226	32	0.008217	0.008217	NUM
fsr-3910	226	33	0.0001	0.0001	NUM
fsr-3910	226	34	age60p	age60p	ADJ
fsr-3910	226	35	20.2480606	20.2480606	NUM
fsr-3910	226	36	0.014716	0.014716	NUM
fsr-3910	226	37	0.0001	0.0001	NUM
fsr-3910	226	38	isal2550	isal2550	PROPN
fsr-3910	226	39	20.1509172	20.1509172	NUM
fsr-3910	226	40	0.0086698	0.0086698	NUM
fsr-3910	226	41	0.0001	0.0001	NUM
fsr-3910	227	1	isal5075	isal5075	PROPN
fsr-3910	227	2	20.0574428	20.0574428	NUM
fsr-3910	227	3	0.010559	0.010559	NUM
fsr-3910	227	4	0.0001	0.0001	NUM
fsr-3910	227	5	isl75100	isl75100	NOUN
fsr-3910	227	6	0.01385501	0.01385501	NUM
fsr-3910	227	7	0.016792	0.016792	NUM
fsr-3910	227	8	0.4093	0.4093	NUM
fsr-3910	227	9	isal100p	isal100p	VERB
fsr-3910	227	10	0.03445817	0.03445817	NUM
fsr-3910	227	11	0.024106	0.024106	NUM
fsr-3910	227	12	0.1529	0.1529	NUM
fsr-3910	228	1	iage3040	iage3040	NOUN
fsr-3910	228	2	20.0294692	20.0294692	NUM
fsr-3910	228	3	0.01073	0.01073	NUM
fsr-3910	228	4	0.0060	0.0060	NUM
fsr-3910	228	5	iage4050	iage4050	PROPN
fsr-3910	228	6	20.0013867	20.0013867	NUM
fsr-3910	228	7	0.010614	0.010614	NUM
fsr-3910	228	8	0.8961	0.8961	NUM
fsr-3910	228	9	iage5060	iage5060	NOUN
fsr-3910	228	10	0.03041728	0.03041728	NOUN
fsr-3910	228	11	0.0123	0.0123	NUM
fsr-3910	228	12	0.0134	0.0134	NUM
fsr-3910	228	13	iage60p	iage60p	ADJ
fsr-3910	228	14	20.017036	20.017036	NUM
fsr-3910	228	15	0.022798	0.022798	NUM
fsr-3910	228	16	0.4549	0.4549	NUM
fsr-3910	228	17	female	female	ADJ
fsr-3910	228	18	20.0305001	20.0305001	NUM
fsr-3910	228	19	0.009192	0.009192	NUM
fsr-3910	228	20	0.0009	0.0009	NUM
fsr-3910	228	21	74	74	NUM
fsr-3910	228	22	j.l	j.l	PROPN
fsr-3910	228	23	.	.	PROPN
fsr-3910	228	24	vanderhei	vanderhei	PROPN
fsr-3910	228	25	,	,	PUNCT
fsr-3910	228	26	k.a	k.a	PROPN
fsr-3910	228	27	.	.	PROPN
fsr-3910	228	28	olsen	olsen	PROPN
fsr-3910	228	29	/	/	SYM
fsr-3910	228	30	financial	financial	ADJ
fsr-3910	228	31	services	service	NOUN
fsr-3910	228	32	review	review	VERB
fsr-3910	228	33	9	9	NUM
fsr-3910	228	34	(	(	PUNCT
fsr-3910	228	35	2000	2000	NUM
fsr-3910	228	36	)	)	PUNCT
fsr-3910	228	37	65–78	65–78	NOUN
fsr-3910	228	38	however	however	ADV
fsr-3910	228	39	,	,	PUNCT
fsr-3910	228	40	some	some	DET
fsr-3910	228	41	prediction	prediction	NOUN
fsr-3910	228	42	of	of	ADP
fsr-3910	228	43	groups	group	NOUN
fsr-3910	228	44	that	that	PRON
fsr-3910	228	45	will	will	AUX
fsr-3910	228	46	be	be	AUX
fsr-3910	228	47	expected	expect	VERB
fsr-3910	228	48	to	to	PART
fsr-3910	228	49	generate	generate	VERB
fsr-3910	228	50	less	less	ADJ
fsr-3910	228	51	-	-	PUNCT
fsr-3910	228	52	than	than	ADP
fsr-3910	228	53	-	-	PUNCT
fsr-3910	228	54	average	average	ADJ
fsr-3910	228	55	investment	investment	NOUN
fsr-3910	228	56	income	income	NOUN
fsr-3910	228	57	based	base	VERB
fsr-3910	228	58	on	on	ADP
fsr-3910	228	59	their	their	PRON
fsr-3910	228	60	under	under	ADP
fsr-3910	228	61	aggressive	aggressive	ADJ
fsr-3910	228	62	investment	investment	NOUN
fsr-3910	228	63	behavior	behavior	NOUN
fsr-3910	228	64	is	be	AUX
fsr-3910	228	65	perhaps	perhaps	ADV
fsr-3910	228	66	of	of	ADP
fsr-3910	228	67	more	more	ADJ
fsr-3910	228	68	relevance	relevance	NOUN
fsr-3910	228	69	to	to	ADP
fsr-3910	228	70	the	the	DET
fsr-3910	228	71	current	current	ADJ
fsr-3910	228	72	public	public	ADJ
fsr-3910	228	73	policy	policy	NOUN
fsr-3910	228	74	debate	debate	NOUN
fsr-3910	228	75	.	.	PUNCT
fsr-3910	229	1	bajtelsmit	bajtelsmit	NOUN
fsr-3910	229	2	(	(	PUNCT
fsr-3910	229	3	1996	1996	NUM
fsr-3910	229	4	)	)	PUNCT
fsr-3910	229	5	demonstrates	demonstrate	VERB
fsr-3910	229	6	the	the	DET
fsr-3910	229	7	potential	potential	NOUN
fsr-3910	229	8	for	for	ADP
fsr-3910	229	9	very	very	ADV
fsr-3910	229	10	diverse	diverse	ADJ
fsr-3910	229	11	outcomes	outcome	NOUN
fsr-3910	229	12	for	for	ADP
fsr-3910	229	13	persons	person	NOUN
fsr-3910	229	14	of	of	ADP
fsr-3910	229	15	similar	similar	ADJ
fsr-3910	229	16	demographics	demographic	NOUN
fsr-3910	229	17	given	give	VERB
fsr-3910	229	18	varying	vary	VERB
fsr-3910	229	19	investment	investment	NOUN
fsr-3910	229	20	behavior	behavior	NOUN
fsr-3910	229	21	.	.	PUNCT
fsr-3910	230	1	table	table	NOUN
fsr-3910	230	2	3	3	NUM
fsr-3910	230	3	provides	provide	VERB
fsr-3910	230	4	estimates	estimate	NOUN
fsr-3910	230	5	from	from	ADP
fsr-3910	230	6	a	a	DET
fsr-3910	230	7	probit	probit	NOUN
fsr-3910	230	8	model	model	NOUN
fsr-3910	230	9	for	for	ADP
fsr-3910	230	10	the	the	DET
fsr-3910	230	11	sample	sample	NOUN
fsr-3910	230	12	described	describe	VERB
fsr-3910	230	13	above	above	ADP
fsr-3910	230	14	that	that	PRON
fsr-3910	230	15	predicts	predict	VERB
fsr-3910	230	16	whether	whether	SCONJ
fsr-3910	230	17	a	a	DET
fsr-3910	230	18	participant	participant	NOUN
fsr-3910	230	19	will	will	AUX
fsr-3910	230	20	hold	hold	VERB
fsr-3910	230	21	a	a	DET
fsr-3910	230	22	very	very	ADV
fsr-3910	230	23	small	small	ADJ
fsr-3910	230	24	percentage	percentage	NOUN
fsr-3910	230	25	of	of	ADP
fsr-3910	230	26	their	their	PRON
fsr-3910	230	27	total	total	ADJ
fsr-3910	230	28	account	account	NOUN
fsr-3910	230	29	balance	balance	NOUN
fsr-3910	230	30	in	in	ADP
fsr-3910	230	31	equities	equity	NOUN
fsr-3910	230	32	.	.	PUNCT
fsr-3910	231	1	admittedly	admittedly	ADV
fsr-3910	231	2	,	,	PUNCT
fsr-3910	231	3	there	there	PRON
fsr-3910	231	4	is	be	VERB
fsr-3910	231	5	no	no	DET
fsr-3910	231	6	clear	clear	ADV
fsr-3910	231	7	-	-	PUNCT
fsr-3910	231	8	cut	cut	VERB
fsr-3910	231	9	threshold	threshold	NOUN
fsr-3910	231	10	as	as	ADP
fsr-3910	231	11	to	to	ADP
fsr-3910	231	12	what	what	PRON
fsr-3910	231	13	should	should	AUX
fsr-3910	231	14	be	be	AUX
fsr-3910	231	15	considered	consider	VERB
fsr-3910	231	16	a	a	DET
fsr-3910	231	17	small	small	ADJ
fsr-3910	231	18	percentage	percentage	NOUN
fsr-3910	231	19	,	,	PUNCT
fsr-3910	231	20	but	but	CCONJ
fsr-3910	231	21	we	we	PRON
fsr-3910	231	22	chose	choose	VERB
fsr-3910	231	23	20	20	NUM
fsr-3910	231	24	%	%	NOUN
fsr-3910	231	25	as	as	ADP
fsr-3910	231	26	a	a	DET
fsr-3910	231	27	cutoff	cutoff	NOUN
fsr-3910	231	28	value	value	NOUN
fsr-3910	231	29	.	.	PUNCT
fsr-3910	232	1	overall	overall	ADV
fsr-3910	232	2	,	,	PUNCT
fsr-3910	232	3	we	we	PRON
fsr-3910	232	4	find	find	VERB
fsr-3910	232	5	that	that	SCONJ
fsr-3910	232	6	28.4	28.4	NUM
fsr-3910	232	7	%	%	NOUN
fsr-3910	232	8	of	of	ADP
fsr-3910	232	9	all	all	DET
fsr-3910	232	10	males	male	NOUN
fsr-3910	232	11	,	,	PUNCT
fsr-3910	232	12	and	and	CCONJ
fsr-3910	232	13	33.8	33.8	NUM
fsr-3910	232	14	%	%	NOUN
fsr-3910	232	15	of	of	ADP
fsr-3910	232	16	all	all	DET
fsr-3910	232	17	females	female	NOUN
fsr-3910	232	18	fall	fall	VERB
fsr-3910	232	19	into	into	ADP
fsr-3910	232	20	this	this	DET
fsr-3910	232	21	category	category	NOUN
fsr-3910	232	22	of	of	ADP
fsr-3910	232	23	conservative	conservative	ADJ
fsr-3910	232	24	investors	investor	NOUN
fsr-3910	232	25	.	.	PUNCT
fsr-3910	233	1	the	the	DET
fsr-3910	233	2	variable	variable	ADJ
fsr-3910	233	3	definitions	definition	NOUN
fsr-3910	233	4	are	be	AUX
fsr-3910	233	5	the	the	DET
fsr-3910	233	6	same	same	ADJ
fsr-3910	233	7	as	as	ADP
fsr-3910	233	8	in	in	ADP
fsr-3910	233	9	table	table	NOUN
fsr-3910	233	10	2	2	NUM
fsr-3910	233	11	.	.	PUNCT
fsr-3910	234	1	the	the	DET
fsr-3910	234	2	results	result	NOUN
fsr-3910	234	3	in	in	ADP
fsr-3910	234	4	table	table	NOUN
fsr-3910	234	5	3	3	NUM
fsr-3910	234	6	generally	generally	ADV
fsr-3910	234	7	follow	follow	VERB
fsr-3910	234	8	those	those	PRON
fsr-3910	234	9	in	in	ADP
fsr-3910	234	10	table	table	NOUN
fsr-3910	234	11	2	2	NUM
fsr-3910	234	12	as	as	SCONJ
fsr-3910	234	13	expected	expect	VERB
fsr-3910	234	14	.	.	PUNCT
fsr-3910	235	1	all	all	DET
fsr-3910	235	2	the	the	DET
fsr-3910	235	3	noninteractive	noninteractive	ADJ
fsr-3910	235	4	age	age	NOUN
fsr-3910	235	5	terms	term	NOUN
fsr-3910	235	6	are	be	AUX
fsr-3910	235	7	statistically	statistically	ADV
fsr-3910	235	8	significant	significant	ADJ
fsr-3910	235	9	as	as	SCONJ
fsr-3910	235	10	are	be	AUX
fsr-3910	235	11	all	all	PRON
fsr-3910	235	12	but	but	SCONJ
fsr-3910	235	13	one	one	NUM
fsr-3910	235	14	of	of	ADP
fsr-3910	235	15	the	the	DET
fsr-3910	235	16	salary	salary	NOUN
fsr-3910	235	17	terms	term	NOUN
fsr-3910	235	18	.	.	PUNCT
fsr-3910	236	1	the	the	DET
fsr-3910	236	2	salary	salary	NOUN
fsr-3910	236	3	categories	category	NOUN
fsr-3910	236	4	follow	follow	VERB
fsr-3910	236	5	the	the	DET
fsr-3910	236	6	same	same	ADJ
fsr-3910	236	7	“	"	PUNCT
fsr-3910	236	8	u	u	NOUN
fsr-3910	236	9	”	"	PUNCT
fsr-3910	236	10	shaped	shape	VERB
fsr-3910	236	11	curve	curve	NOUN
fsr-3910	236	12	as	as	ADP
fsr-3910	236	13	before	before	ADV
fsr-3910	236	14	and	and	CCONJ
fsr-3910	236	15	after	after	ADP
fsr-3910	236	16	an	an	DET
fsr-3910	236	17	initial	initial	ADJ
fsr-3910	236	18	negative	negative	ADJ
fsr-3910	236	19	coefficient	coefficient	NOUN
fsr-3910	236	20	for	for	ADP
fsr-3910	236	21	participants	participant	NOUN
fsr-3910	236	22	in	in	ADP
fsr-3910	236	23	their	their	PRON
fsr-3910	236	24	thirties	thirty	NOUN
fsr-3910	236	25	(	(	PUNCT
fsr-3910	236	26	which	which	PRON
fsr-3910	236	27	suggests	suggest	VERB
fsr-3910	236	28	they	they	PRON
fsr-3910	236	29	are	be	AUX
fsr-3910	236	30	less	less	ADV
fsr-3910	236	31	likely	likely	ADJ
fsr-3910	236	32	to	to	PART
fsr-3910	236	33	invest	invest	VERB
fsr-3910	236	34	a	a	DET
fsr-3910	236	35	“	"	PUNCT
fsr-3910	236	36	small	small	ADJ
fsr-3910	236	37	”	"	PUNCT
fsr-3910	236	38	percentage	percentage	NOUN
fsr-3910	236	39	of	of	ADP
fsr-3910	236	40	their	their	PRON
fsr-3910	236	41	assets	asset	NOUN
fsr-3910	236	42	in	in	ADP
fsr-3910	236	43	equities	equity	NOUN
fsr-3910	236	44	than	than	ADP
fsr-3910	236	45	participants	participant	NOUN
fsr-3910	236	46	in	in	ADP
fsr-3910	236	47	their	their	PRON
fsr-3910	236	48	twenties	twenty	NOUN
fsr-3910	236	49	)	)	PUNCT
fsr-3910	236	50	,	,	PUNCT
fsr-3910	236	51	the	the	DET
fsr-3910	236	52	coefficients	coefficient	NOUN
fsr-3910	236	53	are	be	AUX
fsr-3910	236	54	all	all	ADV
fsr-3910	236	55	positive	positive	ADJ
fsr-3910	236	56	and	and	CCONJ
fsr-3910	236	57	monotonically	monotonically	ADV
fsr-3910	236	58	increasing	increase	VERB
fsr-3910	236	59	with	with	ADP
fsr-3910	236	60	age	age	NOUN
fsr-3910	236	61	.	.	PUNCT
fsr-3910	237	1	the	the	DET
fsr-3910	237	2	female	female	ADJ
fsr-3910	237	3	dummy	dummy	ADJ
fsr-3910	237	4	variable	variable	NOUN
fsr-3910	237	5	is	be	AUX
fsr-3910	237	6	statistically	statistically	ADV
fsr-3910	237	7	significant	significant	ADJ
fsr-3910	237	8	at	at	ADP
fsr-3910	237	9	the	the	DET
fsr-3910	237	10	ten	ten	NUM
fsr-3910	237	11	percentage	percentage	NOUN
fsr-3910	237	12	level	level	NOUN
fsr-3910	237	13	,	,	PUNCT
fsr-3910	237	14	as	as	SCONJ
fsr-3910	237	15	are	be	AUX
fsr-3910	237	16	as	as	ADV
fsr-3910	237	17	all	all	ADV
fsr-3910	237	18	but	but	SCONJ
fsr-3910	237	19	one	one	NUM
fsr-3910	237	20	of	of	ADP
fsr-3910	237	21	the	the	DET
fsr-3910	237	22	gender	gender	NOUN
fsr-3910	237	23	-	-	PUNCT
fsr-3910	237	24	salary	salary	NOUN
fsr-3910	237	25	interaction	interaction	NOUN
fsr-3910	237	26	terms	term	NOUN
fsr-3910	237	27	.	.	PUNCT
fsr-3910	238	1	the	the	DET
fsr-3910	238	2	women	woman	NOUN
fsr-3910	238	3	with	with	ADP
fsr-3910	238	4	wages	wage	NOUN
fsr-3910	238	5	between	between	ADP
fsr-3910	238	6	$	$	SYM
fsr-3910	238	7	25,000	25,000	NUM
fsr-3910	238	8	and	and	CCONJ
fsr-3910	238	9	$	$	SYM
fsr-3910	238	10	50,000	50,000	NUM
fsr-3910	238	11	experience	experience	NOUN
fsr-3910	238	12	a	a	DET
fsr-3910	238	13	significantly	significantly	ADV
fsr-3910	238	14	greater	great	ADJ
fsr-3910	238	15	probability	probability	NOUN
fsr-3910	238	16	of	of	ADP
fsr-3910	238	17	investing	invest	VERB
fsr-3910	238	18	a	a	DET
fsr-3910	238	19	small	small	ADJ
fsr-3910	238	20	percentage	percentage	NOUN
fsr-3910	238	21	of	of	ADP
fsr-3910	238	22	their	their	PRON
fsr-3910	238	23	401(k	401(k	NOUN
fsr-3910	238	24	)	)	PUNCT
fsr-3910	238	25	assets	asset	NOUN
fsr-3910	238	26	in	in	ADP
fsr-3910	238	27	equities	equity	NOUN
fsr-3910	238	28	,	,	PUNCT
fsr-3910	238	29	while	while	SCONJ
fsr-3910	238	30	those	those	PRON
fsr-3910	238	31	with	with	ADP
fsr-3910	238	32	salaries	salary	NOUN
fsr-3910	238	33	over	over	ADP
fsr-3910	238	34	$	$	SYM
fsr-3910	238	35	75,000	75,000	NUM
fsr-3910	238	36	have	have	VERB
fsr-3910	238	37	a	a	DET
fsr-3910	238	38	significantly	significantly	ADV
fsr-3910	238	39	smaller	small	ADJ
fsr-3910	238	40	probability	probability	NOUN
fsr-3910	238	41	of	of	ADP
fsr-3910	238	42	investing	invest	VERB
fsr-3910	238	43	a	a	DET
fsr-3910	238	44	small	small	ADJ
fsr-3910	238	45	percentage	percentage	NOUN
fsr-3910	238	46	of	of	ADP
fsr-3910	238	47	their	their	PRON
fsr-3910	238	48	401(k	401(k	NOUN
fsr-3910	238	49	)	)	PUNCT
fsr-3910	238	50	assets	asset	NOUN
fsr-3910	238	51	in	in	ADP
fsr-3910	238	52	equities	equity	NOUN
fsr-3910	238	53	than	than	ADP
fsr-3910	238	54	their	their	PRON
fsr-3910	238	55	male	male	ADJ
fsr-3910	238	56	counterparts	counterpart	NOUN
fsr-3910	238	57	.	.	PUNCT
fsr-3910	239	1	only	only	ADV
fsr-3910	239	2	one	one	NUM
fsr-3910	239	3	of	of	ADP
fsr-3910	239	4	the	the	DET
fsr-3910	239	5	age	age	NOUN
fsr-3910	239	6	-	-	PUNCT
fsr-3910	239	7	gender	gender	NOUN
fsr-3910	239	8	interaction	interaction	NOUN
fsr-3910	239	9	terms	term	NOUN
fsr-3910	239	10	is	be	AUX
fsr-3910	239	11	significant	significant	ADJ
fsr-3910	239	12	.	.	PUNCT
fsr-3910	240	1	females	female	NOUN
fsr-3910	240	2	between	between	ADP
fsr-3910	240	3	30	30	NUM
fsr-3910	240	4	and	and	CCONJ
fsr-3910	240	5	40	40	NUM
fsr-3910	240	6	table	table	NOUN
fsr-3910	240	7	3	3	NUM
fsr-3910	240	8	probit	probit	NOUN
fsr-3910	240	9	estimates	estimate	NOUN
fsr-3910	240	10	for	for	ADP
fsr-3910	240	11	the	the	DET
fsr-3910	240	12	probability	probability	NOUN
fsr-3910	240	13	that	that	SCONJ
fsr-3910	240	14	a	a	DET
fsr-3910	240	15	401	401	NUM
fsr-3910	240	16	(	(	PUNCT
fsr-3910	240	17	k	k	NOUN
fsr-3910	240	18	)	)	PUNCT
fsr-3910	240	19	participant	participant	NOUN
fsr-3910	240	20	will	will	AUX
fsr-3910	240	21	hold	hold	VERB
fsr-3910	240	22	less	less	ADJ
fsr-3910	240	23	than	than	ADP
fsr-3910	240	24	20	20	NUM
fsr-3910	240	25	percent	percent	NOUN
fsr-3910	240	26	of	of	ADP
fsr-3910	240	27	the	the	DET
fsr-3910	240	28	total	total	ADJ
fsr-3910	240	29	account	account	NOUN
fsr-3910	240	30	balance	balance	NOUN
fsr-3910	240	31	in	in	ADP
fsr-3910	240	32	equities	equity	NOUN
fsr-3910	240	33	variable	variable	ADJ
fsr-3910	240	34	parameter	parameter	NOUN
fsr-3910	240	35	estimate	estimate	VERB
fsr-3910	240	36	standard	standard	ADJ
fsr-3910	240	37	error	error	NOUN
fsr-3910	240	38	pr	pr	NOUN
fsr-3910	240	39	.	.	PUNCT
fsr-3910	241	1	chisquare	chisquare	PROPN
fsr-3910	241	2	intercpt	intercpt	NOUN
fsr-3910	241	3	20.5168	20.5168	NUM
fsr-3910	241	4	0.0136	0.0136	NUM
fsr-3910	241	5	0.0001	0.0001	NUM
fsr-3910	241	6	sal2550	sal2550	NOUN
fsr-3910	241	7	20.2003	20.2003	NUM
fsr-3910	241	8	0.0134	0.0134	NUM
fsr-3910	241	9	0.0001	0.0001	NUM
fsr-3910	241	10	sal5075	sal5075	VERB
fsr-3910	241	11	20.0199	20.0199	NUM
fsr-3910	241	12	0.0145	0.0145	NUM
fsr-3910	241	13	0.1706	0.1706	NUM
fsr-3910	241	14	sal75100	sal75100	NOUN
fsr-3910	241	15	20.1316	20.1316	NUM
fsr-3910	241	16	0.0188	0.0188	NUM
fsr-3910	241	17	0.0001	0.0001	NUM
fsr-3910	241	18	sal100p	sal100p	NOUN
fsr-3910	241	19	20.4162	20.4162	NUM
fsr-3910	241	20	0.0239	0.0239	NUM
fsr-3910	241	21	0.0001	0.0001	NUM
fsr-3910	241	22	age3040	age3040	VERB
fsr-3910	241	23	20.0881	20.0881	NUM
fsr-3910	241	24	0.0160	0.0160	NUM
fsr-3910	241	25	0.0001	0.0001	NUM
fsr-3910	241	26	age4050	age4050	NOUN
fsr-3910	241	27	0.0513	0.0513	NUM
fsr-3910	241	28	0.0156	0.0156	NUM
fsr-3910	241	29	0.0010	0.0010	NUM
fsr-3910	241	30	age5060	age5060	NOUN
fsr-3910	241	31	0.1803	0.1803	NUM
fsr-3910	241	32	0.0172	0.0172	NUM
fsr-3910	241	33	0.0001	0.0001	NUM
fsr-3910	241	34	age60p	age60p	PROPN
fsr-3910	241	35	0.4484	0.4484	NUM
fsr-3910	241	36	0.0294	0.0294	NUM
fsr-3910	241	37	0.0001	0.0001	NUM
fsr-3910	241	38	isal2550	isal2550	NOUN
fsr-3910	241	39	0.2691	0.2691	NUM
fsr-3910	241	40	0.0182	0.0182	NUM
fsr-3910	241	41	0.0001	0.0001	NUM
fsr-3910	241	42	isal5075	isal5075	NOUN
fsr-3910	241	43	0.0202	0.0202	NUM
fsr-3910	241	44	0.0218	0.0218	NUM
fsr-3910	241	45	0.3531	0.3531	NUM
fsr-3910	241	46	isl75100	isl75100	NOUN
fsr-3910	241	47	20.0797	20.0797	NUM
fsr-3910	241	48	0.0359	0.0359	NUM
fsr-3910	241	49	0.0265	0.0265	NUM
fsr-3910	241	50	isal100p	isal100p	NOUN
fsr-3910	241	51	20.1982	20.1982	NUM
fsr-3910	241	52	0.0581	0.0581	NUM
fsr-3910	241	53	0.0006	0.0006	NUM
fsr-3910	241	54	iage3040	iage3040	PROPN
fsr-3910	241	55	0.0620	0.0620	NUM
fsr-3910	241	56	0.0226	0.0226	NUM
fsr-3910	241	57	0.0061	0.0061	NUM
fsr-3910	241	58	iage4050	iage4050	PROPN
fsr-3910	241	59	0.0246	0.0246	NUM
fsr-3910	241	60	0.0222	0.0222	NUM
fsr-3910	241	61	0.2671	0.2671	NUM
fsr-3910	241	62	iage5060	iage5060	NOUN
fsr-3910	241	63	20.0336	20.0336	NUM
fsr-3910	241	64	0.0254	0.0254	NUM
fsr-3910	241	65	0.1867	0.1867	NUM
fsr-3910	241	66	iage60p	iage60p	ADJ
fsr-3910	241	67	0.0666	0.0666	NUM
fsr-3910	241	68	0.0450	0.0450	NUM
fsr-3910	241	69	0.1389	0.1389	NUM
fsr-3910	241	70	female	female	ADJ
fsr-3910	241	71	0.0363	0.0363	NUM
fsr-3910	241	72	0.0192	0.0192	NUM
fsr-3910	241	73	0.0581	0.0581	NUM
fsr-3910	241	74	75j.l	75j.l	PROPN
fsr-3910	241	75	.	.	PUNCT
fsr-3910	242	1	vanderhei	vanderhei	PROPN
fsr-3910	242	2	,	,	PUNCT
fsr-3910	242	3	k.a	k.a	PROPN
fsr-3910	242	4	.	.	PROPN
fsr-3910	242	5	olsen	olsen	PROPN
fsr-3910	242	6	/	/	SYM
fsr-3910	242	7	financial	financial	ADJ
fsr-3910	242	8	services	service	NOUN
fsr-3910	242	9	review	review	VERB
fsr-3910	242	10	9	9	NUM
fsr-3910	242	11	(	(	PUNCT
fsr-3910	242	12	2000	2000	NUM
fsr-3910	242	13	)	)	PUNCT
fsr-3910	242	14	65–78	65–78	NOUN
fsr-3910	242	15	have	have	VERB
fsr-3910	242	16	a	a	DET
fsr-3910	242	17	significantly	significantly	ADV
fsr-3910	242	18	higher	high	ADJ
fsr-3910	242	19	probability	probability	NOUN
fsr-3910	242	20	of	of	ADP
fsr-3910	242	21	small	small	ADJ
fsr-3910	242	22	equity	equity	NOUN
fsr-3910	242	23	investments	investment	NOUN
fsr-3910	242	24	than	than	SCONJ
fsr-3910	242	25	do	do	VERB
fsr-3910	242	26	males	male	NOUN
fsr-3910	242	27	;	;	PUNCT
fsr-3910	242	28	however	however	ADV
fsr-3910	242	29	there	there	PRON
fsr-3910	242	30	is	be	VERB
fsr-3910	242	31	no	no	DET
fsr-3910	242	32	significant	significant	ADJ
fsr-3910	242	33	difference	difference	NOUN
fsr-3910	242	34	after	after	ADP
fsr-3910	242	35	age	age	NOUN
fsr-3910	242	36	40	40	NUM
fsr-3910	242	37	.	.	PUNCT
fsr-3910	243	1	this	this	PRON
fsr-3910	243	2	suggests	suggest	VERB
fsr-3910	243	3	that	that	SCONJ
fsr-3910	243	4	the	the	DET
fsr-3910	243	5	less	less	ADV
fsr-3910	243	6	aggressive	aggressive	ADJ
fsr-3910	243	7	401(k	401(k	NOUN
fsr-3910	243	8	)	)	PUNCT
fsr-3910	243	9	investment	investment	NOUN
fsr-3910	243	10	behavior	behavior	NOUN
fsr-3910	243	11	observed	observe	VERB
fsr-3910	243	12	for	for	ADP
fsr-3910	243	13	women	woman	NOUN
fsr-3910	243	14	may	may	AUX
fsr-3910	243	15	be	be	AUX
fsr-3910	243	16	primarily	primarily	ADV
fsr-3910	243	17	due	due	ADJ
fsr-3910	243	18	to	to	ADP
fsr-3910	243	19	younger	young	ADJ
fsr-3910	243	20	female	female	ADJ
fsr-3910	243	21	cohorts	cohort	NOUN
fsr-3910	243	22	.	.	PUNCT
fsr-3910	244	1	the	the	DET
fsr-3910	244	2	overall	overall	ADJ
fsr-3910	244	3	impact	impact	NOUN
fsr-3910	244	4	of	of	ADP
fsr-3910	244	5	the	the	DET
fsr-3910	244	6	estimated	estimate	VERB
fsr-3910	244	7	model	model	NOUN
fsr-3910	244	8	in	in	ADP
fsr-3910	244	9	table	table	NOUN
fsr-3910	244	10	3	3	NUM
fsr-3910	244	11	is	be	AUX
fsr-3910	244	12	summarized	summarize	VERB
fsr-3910	244	13	in	in	ADP
fsr-3910	244	14	table	table	NOUN
fsr-3910	244	15	4	4	NUM
fsr-3910	244	16	.	.	PUNCT
fsr-3910	245	1	the	the	DET
fsr-3910	245	2	estimated	estimate	VERB
fsr-3910	245	3	probabilities	probability	NOUN
fsr-3910	245	4	for	for	ADP
fsr-3910	245	5	each	each	DET
fsr-3910	245	6	age	age	NOUN
fsr-3910	245	7	and	and	CCONJ
fsr-3910	245	8	salary	salary	NOUN
fsr-3910	245	9	category	category	NOUN
fsr-3910	245	10	are	be	AUX
fsr-3910	245	11	displayed	display	VERB
fsr-3910	245	12	by	by	ADP
fsr-3910	245	13	gender	gender	NOUN
fsr-3910	245	14	.	.	PUNCT
fsr-3910	246	1	5	5	NUM
fsr-3910	246	2	.	.	PUNCT
fsr-3910	246	3	social	social	ADJ
fsr-3910	246	4	security	security	NOUN
fsr-3910	246	5	implications	implication	NOUN
fsr-3910	246	6	/	/	SYM
fsr-3910	246	7	discussion	discussion	NOUN
fsr-3910	246	8	our	our	PRON
fsr-3910	246	9	results	result	NOUN
fsr-3910	246	10	suggest	suggest	VERB
fsr-3910	246	11	that	that	SCONJ
fsr-3910	246	12	differences	difference	NOUN
fsr-3910	246	13	which	which	PRON
fsr-3910	246	14	other	other	ADJ
fsr-3910	246	15	researchers	researcher	NOUN
fsr-3910	246	16	have	have	AUX
fsr-3910	246	17	found	find	VERB
fsr-3910	246	18	between	between	ADP
fsr-3910	246	19	men	man	NOUN
fsr-3910	246	20	’s	’s	PART
fsr-3910	246	21	and	and	CCONJ
fsr-3910	246	22	women	woman	NOUN
fsr-3910	246	23	’s	’s	PART
fsr-3910	246	24	401(k	401(k	PROPN
fsr-3910	246	25	)	)	PUNCT
fsr-3910	246	26	investments	investment	NOUN
fsr-3910	246	27	may	may	AUX
fsr-3910	246	28	not	not	PART
fsr-3910	246	29	apply	apply	VERB
fsr-3910	246	30	above	above	ADP
fsr-3910	246	31	a	a	DET
fsr-3910	246	32	threshold	threshold	NOUN
fsr-3910	246	33	wage	wage	NOUN
fsr-3910	246	34	.	.	PUNCT
fsr-3910	247	1	assuming	assume	VERB
fsr-3910	247	2	this	this	PRON
fsr-3910	247	3	applies	apply	VERB
fsr-3910	247	4	to	to	ADP
fsr-3910	247	5	social	social	ADJ
fsr-3910	247	6	security	security	NOUN
fsr-3910	247	7	accounts	account	NOUN
fsr-3910	247	8	,	,	PUNCT
fsr-3910	247	9	the	the	DET
fsr-3910	247	10	bad	bad	ADJ
fsr-3910	247	11	news	news	NOUN
fsr-3910	247	12	for	for	ADP
fsr-3910	247	13	advocates	advocate	NOUN
fsr-3910	247	14	is	be	AUX
fsr-3910	247	15	that	that	SCONJ
fsr-3910	247	16	despite	despite	SCONJ
fsr-3910	247	17	recent	recent	ADJ
fsr-3910	247	18	progress	progress	NOUN
fsr-3910	247	19	in	in	ADP
fsr-3910	247	20	closing	close	VERB
fsr-3910	247	21	the	the	DET
fsr-3910	247	22	gap	gap	NOUN
fsr-3910	247	23	between	between	ADP
fsr-3910	247	24	men	man	NOUN
fsr-3910	247	25	’s	’s	PART
fsr-3910	247	26	and	and	CCONJ
fsr-3910	247	27	women	woman	NOUN
fsr-3910	247	28	’s	’s	PART
fsr-3910	247	29	earnings	earning	NOUN
fsr-3910	247	30	,	,	PUNCT
fsr-3910	247	31	women	woman	NOUN
fsr-3910	247	32	’s	’s	PART
fsr-3910	247	33	labor	labor	NOUN
fsr-3910	247	34	force	force	NOUN
fsr-3910	247	35	participation	participation	NOUN
fsr-3910	247	36	rates	rate	NOUN
fsr-3910	247	37	continue	continue	VERB
fsr-3910	247	38	to	to	PART
fsr-3910	247	39	be	be	AUX
fsr-3910	247	40	lower	low	ADJ
fsr-3910	247	41	than	than	SCONJ
fsr-3910	247	42	men	man	NOUN
fsr-3910	247	43	’s	’s	X
fsr-3910	247	44	at	at	ADP
fsr-3910	247	45	every	every	DET
fsr-3910	247	46	age	age	NOUN
fsr-3910	247	47	.	.	PUNCT
fsr-3910	248	1	also	also	ADV
fsr-3910	248	2	,	,	PUNCT
fsr-3910	248	3	despite	despite	SCONJ
fsr-3910	248	4	the	the	DET
fsr-3910	248	5	fact	fact	NOUN
fsr-3910	248	6	that	that	SCONJ
fsr-3910	248	7	a	a	DET
fsr-3910	248	8	larger	large	ADJ
fsr-3910	248	9	percentage	percentage	NOUN
fsr-3910	248	10	of	of	ADP
fsr-3910	248	11	women	woman	NOUN
fsr-3910	248	12	are	be	AUX
fsr-3910	248	13	entering	enter	VERB
fsr-3910	248	14	the	the	DET
fsr-3910	248	15	workforce	workforce	NOUN
fsr-3910	248	16	than	than	ADP
fsr-3910	248	17	ever	ever	ADV
fsr-3910	248	18	,	,	PUNCT
fsr-3910	248	19	women	woman	NOUN
fsr-3910	248	20	’s	’s	PART
fsr-3910	248	21	earnings	earning	NOUN
fsr-3910	248	22	are	be	AUX
fsr-3910	248	23	still	still	ADV
fsr-3910	248	24	substantially	substantially	ADV
fsr-3910	248	25	lower	low	ADJ
fsr-3910	248	26	than	than	ADP
fsr-3910	248	27	those	those	PRON
fsr-3910	248	28	of	of	ADP
fsr-3910	248	29	men	man	NOUN
fsr-3910	248	30	.	.	PUNCT
fsr-3910	249	1	women	woman	NOUN
fsr-3910	249	2	who	who	PRON
fsr-3910	249	3	worked	work	VERB
fsr-3910	249	4	full	full	ADJ
fsr-3910	249	5	-	-	PUNCT
fsr-3910	249	6	time	time	NOUN
fsr-3910	249	7	,	,	PUNCT
fsr-3910	249	8	year	year	NOUN
fsr-3910	249	9	-	-	PUNCT
fsr-3910	249	10	round	round	NOUN
fsr-3910	249	11	in	in	ADP
fsr-3910	249	12	1955	1955	NUM
fsr-3910	249	13	earned	earn	VERB
fsr-3910	249	14	about	about	ADV
fsr-3910	249	15	64	64	NUM
fsr-3910	249	16	%	%	NOUN
fsr-3910	249	17	of	of	ADP
fsr-3910	249	18	what	what	PRON
fsr-3910	249	19	their	their	PRON
fsr-3910	249	20	male	male	ADJ
fsr-3910	249	21	counterparts	counterpart	NOUN
fsr-3910	249	22	earned	earn	VERB
fsr-3910	249	23	.	.	PUNCT
fsr-3910	250	1	not	not	PART
fsr-3910	250	2	much	much	ADJ
fsr-3910	250	3	has	have	AUX
fsr-3910	250	4	changed	change	VERB
fsr-3910	250	5	since	since	SCONJ
fsr-3910	250	6	then	then	ADV
fsr-3910	250	7	;	;	PUNCT
fsr-3910	250	8	women	woman	NOUN
fsr-3910	250	9	who	who	PRON
fsr-3910	250	10	work	work	VERB
fsr-3910	250	11	full	full	ADJ
fsr-3910	250	12	-	-	PUNCT
fsr-3910	250	13	time	time	NOUN
fsr-3910	250	14	,	,	PUNCT
fsr-3910	250	15	year	year	NOUN
fsr-3910	250	16	-	-	PUNCT
fsr-3910	250	17	round	round	NOUN
fsr-3910	250	18	today	today	NOUN
fsr-3910	250	19	earn	earn	VERB
fsr-3910	250	20	about	about	ADV
fsr-3910	250	21	70	70	NUM
fsr-3910	250	22	%	%	NOUN
fsr-3910	250	23	of	of	ADP
fsr-3910	250	24	what	what	PRON
fsr-3910	250	25	their	their	PRON
fsr-3910	250	26	male	male	ADJ
fsr-3910	250	27	counterparts	counterpart	NOUN
fsr-3910	250	28	earn	earn	VERB
fsr-3910	250	29	—	—	PUNCT
fsr-3910	250	30	an	an	DET
fsr-3910	250	31	increase	increase	NOUN
fsr-3910	250	32	of	of	ADP
fsr-3910	250	33	just	just	ADV
fsr-3910	250	34	6	6	NUM
fsr-3910	250	35	percentage	percentage	NOUN
fsr-3910	250	36	points	point	NOUN
fsr-3910	250	37	(	(	PUNCT
fsr-3910	250	38	9	9	NUM
fsr-3910	250	39	%	%	NOUN
fsr-3910	250	40	)	)	PUNCT
fsr-3910	250	41	in	in	ADP
fsr-3910	250	42	over	over	ADP
fsr-3910	250	43	40	40	NUM
fsr-3910	250	44	years	year	NOUN
fsr-3910	250	45	.	.	PUNCT
fsr-3910	251	1	this	this	PRON
fsr-3910	251	2	means	mean	VERB
fsr-3910	251	3	that	that	SCONJ
fsr-3910	251	4	the	the	DET
fsr-3910	251	5	gap	gap	NOUN
fsr-3910	251	6	between	between	ADP
fsr-3910	251	7	men	man	NOUN
fsr-3910	251	8	’s	’s	PART
fsr-3910	251	9	and	and	CCONJ
fsr-3910	251	10	women	woman	NOUN
fsr-3910	251	11	’s	’s	PART
fsr-3910	251	12	social	social	ADJ
fsr-3910	251	13	security	security	NOUN
fsr-3910	251	14	benefits	benefit	NOUN
fsr-3910	251	15	that	that	PRON
fsr-3910	251	16	exists	exist	VERB
fsr-3910	251	17	under	under	ADP
fsr-3910	251	18	today	today	NOUN
fsr-3910	251	19	’s	’s	PART
fsr-3910	251	20	program	program	NOUN
fsr-3910	251	21	due	due	ADP
fsr-3910	251	22	to	to	ADP
fsr-3910	251	23	work	work	VERB
fsr-3910	251	24	history	history	NOUN
fsr-3910	251	25	differences	difference	NOUN
fsr-3910	251	26	could	could	AUX
fsr-3910	251	27	widen	widen	VERB
fsr-3910	251	28	under	under	ADP
fsr-3910	251	29	an	an	DET
fsr-3910	251	30	ia	ia	NOUN
fsr-3910	251	31	system	system	NOUN
fsr-3910	251	32	due	due	ADP
fsr-3910	251	33	to	to	ADP
fsr-3910	251	34	differences	difference	NOUN
fsr-3910	251	35	in	in	ADP
fsr-3910	251	36	investment	investment	NOUN
fsr-3910	251	37	behavior	behavior	NOUN
fsr-3910	251	38	.	.	PUNCT
fsr-3910	252	1	of	of	ADP
fsr-3910	252	2	the	the	DET
fsr-3910	252	3	five	five	NUM
fsr-3910	252	4	proposals	proposal	NOUN
fsr-3910	252	5	profiled	profile	VERB
fsr-3910	252	6	above	above	ADV
fsr-3910	252	7	,	,	PUNCT
fsr-3910	252	8	only	only	ADV
fsr-3910	252	9	the	the	DET
fsr-3910	252	10	archer	archer	PROPN
fsr-3910	252	11	-	-	PUNCT
fsr-3910	252	12	shaw	shaw	PROPN
fsr-3910	252	13	plan	plan	NOUN
fsr-3910	252	14	would	would	AUX
fsr-3910	252	15	protect	protect	VERB
fsr-3910	252	16	certain	certain	ADJ
fsr-3910	252	17	groups	group	NOUN
fsr-3910	252	18	of	of	ADP
fsr-3910	252	19	workers	worker	NOUN
fsr-3910	252	20	(	(	PUNCT
fsr-3910	252	21	such	such	ADJ
fsr-3910	252	22	as	as	ADP
fsr-3910	252	23	lower	lower	ADV
fsr-3910	252	24	-	-	PUNCT
fsr-3910	252	25	earning	earn	VERB
fsr-3910	252	26	women	woman	NOUN
fsr-3910	252	27	)	)	PUNCT
fsr-3910	252	28	that	that	PRON
fsr-3910	252	29	were	be	AUX
fsr-3910	252	30	shown	show	VERB
fsr-3910	252	31	above	above	ADV
fsr-3910	252	32	to	to	PART
fsr-3910	252	33	be	be	AUX
fsr-3910	252	34	most	most	ADV
fsr-3910	252	35	likely	likely	ADJ
fsr-3910	252	36	to	to	PART
fsr-3910	252	37	invest	invest	VERB
fsr-3910	252	38	overly	overly	ADV
fsr-3910	252	39	conservatively	conservatively	ADV
fsr-3910	252	40	,	,	PUNCT
fsr-3910	252	41	and	and	CCONJ
fsr-3910	252	42	this	this	DET
fsr-3910	252	43	plan	plan	NOUN
fsr-3910	252	44	would	would	AUX
fsr-3910	252	45	be	be	AUX
fsr-3910	252	46	most	most	ADV
fsr-3910	252	47	apt	apt	ADJ
fsr-3910	252	48	to	to	PART
fsr-3910	252	49	distribute	distribute	VERB
fsr-3910	252	50	social	social	ADJ
fsr-3910	252	51	security	security	NOUN
fsr-3910	252	52	benefits	benefit	NOUN
fsr-3910	252	53	across	across	ADP
fsr-3910	252	54	workers	worker	NOUN
fsr-3910	252	55	in	in	ADP
fsr-3910	252	56	the	the	DET
fsr-3910	252	57	same	same	ADJ
fsr-3910	252	58	pattern	pattern	NOUN
fsr-3910	252	59	as	as	ADP
fsr-3910	252	60	current	current	ADJ
fsr-3910	252	61	-	-	PUNCT
fsr-3910	252	62	law	law	NOUN
fsr-3910	252	63	.	.	PUNCT
fsr-3910	253	1	the	the	DET
fsr-3910	253	2	kolbe	kolbe	PROPN
fsr-3910	253	3	-	-	PUNCT
fsr-3910	253	4	stenholm	stenholm	NOUN
fsr-3910	253	5	proposal	proposal	NOUN
fsr-3910	253	6	would	would	AUX
fsr-3910	253	7	mitigate	mitigate	VERB
fsr-3910	253	8	the	the	DET
fsr-3910	253	9	extent	extent	NOUN
fsr-3910	253	10	to	to	PART
fsr-3910	253	11	which	which	PRON
fsr-3910	253	12	some	some	DET
fsr-3910	253	13	persons	person	NOUN
fsr-3910	253	14	within	within	ADP
fsr-3910	253	15	a	a	DET
fsr-3910	253	16	cohort	cohort	NOUN
fsr-3910	253	17	would	would	AUX
fsr-3910	253	18	receive	receive	VERB
fsr-3910	253	19	different	different	ADJ
fsr-3910	253	20	social	social	ADJ
fsr-3910	253	21	security	security	NOUN
fsr-3910	253	22	benefits	benefit	NOUN
fsr-3910	253	23	based	base	VERB
fsr-3910	253	24	on	on	ADP
fsr-3910	253	25	different	different	ADJ
fsr-3910	253	26	investment	investment	NOUN
fsr-3910	253	27	choices	choice	NOUN
fsr-3910	253	28	by	by	ADP
fsr-3910	253	29	including	include	VERB
fsr-3910	253	30	a	a	DET
fsr-3910	253	31	minimum	minimum	ADJ
fsr-3910	253	32	table	table	NOUN
fsr-3910	253	33	4	4	NUM
fsr-3910	253	34	estimated	estimate	VERB
fsr-3910	253	35	probabilities	probability	NOUN
fsr-3910	253	36	that	that	PRON
fsr-3910	253	37	a	a	DET
fsr-3910	253	38	401	401	NUM
fsr-3910	253	39	(	(	PUNCT
fsr-3910	253	40	k	k	NOUN
fsr-3910	253	41	)	)	PUNCT
fsr-3910	253	42	participant	participant	NOUN
fsr-3910	253	43	will	will	AUX
fsr-3910	253	44	hold	hold	VERB
fsr-3910	253	45	less	less	ADJ
fsr-3910	253	46	than	than	ADP
fsr-3910	253	47	20	20	NUM
fsr-3910	253	48	percent	percent	NOUN
fsr-3910	253	49	of	of	ADP
fsr-3910	253	50	the	the	DET
fsr-3910	253	51	total	total	ADJ
fsr-3910	253	52	account	account	NOUN
fsr-3910	253	53	balance	balance	NOUN
fsr-3910	253	54	in	in	ADP
fsr-3910	253	55	equities	equity	NOUN
fsr-3910	253	56	,	,	PUNCT
fsr-3910	253	57	by	by	ADP
fsr-3910	253	58	age	age	NOUN
fsr-3910	253	59	,	,	PUNCT
fsr-3910	253	60	salary	salary	NOUN
fsr-3910	253	61	and	and	CCONJ
fsr-3910	253	62	gender	gender	NOUN
fsr-3910	253	63	male	male	NOUN
fsr-3910	253	64	20–29	20–29	NUM
fsr-3910	253	65	30–39	30–39	NUM
fsr-3910	253	66	40–49	40–49	NUM
fsr-3910	253	67	50–59	50–59	NUM
fsr-3910	253	68	601	601	NUM
fsr-3910	253	69	,	,	PUNCT
fsr-3910	253	70	$	$	SYM
fsr-3910	253	71	25,000	25,000	NUM
fsr-3910	253	72	30.3	30.3	NUM
fsr-3910	253	73	%	%	NOUN
fsr-3910	253	74	27.3	27.3	NUM
fsr-3910	253	75	%	%	NOUN
fsr-3910	253	76	32.1	32.1	NUM
fsr-3910	253	77	%	%	NOUN
fsr-3910	253	78	36.8	36.8	NUM
fsr-3910	253	79	%	%	NOUN
fsr-3910	253	80	47.3	47.3	NUM
fsr-3910	253	81	%	%	NOUN
fsr-3910	253	82	$	$	SYM
fsr-3910	253	83	25,000–$50,000	25,000–$50,000	NUM
fsr-3910	253	84	23.7	23.7	NUM
fsr-3910	253	85	%	%	NOUN
fsr-3910	253	86	21.0	21.0	NUM
fsr-3910	253	87	%	%	NOUN
fsr-3910	253	88	25.3	25.3	NUM
fsr-3910	253	89	%	%	NOUN
fsr-3910	253	90	29.6	29.6	NUM
fsr-3910	253	91	%	%	NOUN
fsr-3910	253	92	39.4	39.4	NUM
fsr-3910	253	93	%	%	NOUN
fsr-3910	253	94	$	$	SYM
fsr-3910	253	95	50,000–$75,000	50,000–$75,000	NUM
fsr-3910	253	96	29.6	29.6	NUM
fsr-3910	253	97	%	%	NOUN
fsr-3910	253	98	26.6	26.6	NUM
fsr-3910	253	99	%	%	NOUN
fsr-3910	253	100	31.4	31.4	NUM
fsr-3910	253	101	%	%	NOUN
fsr-3910	253	102	36.1	36.1	NUM
fsr-3910	253	103	%	%	NOUN
fsr-3910	253	104	46.5	46.5	NUM
fsr-3910	253	105	%	%	NOUN
fsr-3910	253	106	$	$	SYM
fsr-3910	253	107	75,000–$100,000	75,000–$100,000	NUM
fsr-3910	253	108	25.8	25.8	NUM
fsr-3910	253	109	%	%	NOUN
fsr-3910	253	110	23.1	23.1	NUM
fsr-3910	253	111	%	%	NOUN
fsr-3910	253	112	27.5	27.5	NUM
fsr-3910	253	113	%	%	NOUN
fsr-3910	253	114	32.0	32.0	NUM
fsr-3910	253	115	%	%	NOUN
fsr-3910	253	116	42.1	42.1	NUM
fsr-3910	253	117	%	%	NOUN
fsr-3910	253	118	.$100,000	.$100,000	PUNCT
fsr-3910	254	1	17.5	17.5	NUM
fsr-3910	254	2	%	%	NOUN
fsr-3910	254	3	15.4	15.4	NUM
fsr-3910	254	4	%	%	NOUN
fsr-3910	254	5	18.9	18.9	NUM
fsr-3910	254	6	%	%	NOUN
fsr-3910	254	7	22.6	22.6	NUM
fsr-3910	254	8	%	%	NOUN
fsr-3910	254	9	31.4	31.4	NUM
fsr-3910	254	10	%	%	NOUN
fsr-3910	254	11	female	female	ADJ
fsr-3910	254	12	20–29	20–29	PROPN
fsr-3910	254	13	30–39	30–39	NUM
fsr-3910	254	14	40–49	40–49	NUM
fsr-3910	254	15	50–59	50–59	NUM
fsr-3910	254	16	601	601	NUM
fsr-3910	254	17	,	,	PUNCT
fsr-3910	254	18	$	$	SYM
fsr-3910	254	19	25,000	25,000	NUM
fsr-3910	254	20	31.5	31.5	NUM
fsr-3910	254	21	%	%	NOUN
fsr-3910	254	22	30.6	30.6	NUM
fsr-3910	254	23	%	%	NOUN
fsr-3910	254	24	34.3	34.3	NUM
fsr-3910	254	25	%	%	NOUN
fsr-3910	254	26	36.9	36.9	NUM
fsr-3910	254	27	%	%	NOUN
fsr-3910	254	28	51.4	51.4	NUM
fsr-3910	254	29	%	%	NOUN
fsr-3910	254	30	$	$	SYM
fsr-3910	254	31	25,000–$50,000	25,000–$50,000	NUM
fsr-3910	254	32	34.0	34.0	NUM
fsr-3910	254	33	%	%	NOUN
fsr-3910	254	34	33.1	33.1	NUM
fsr-3910	254	35	%	%	NOUN
fsr-3910	254	36	36.9	36.9	NUM
fsr-3910	254	37	%	%	NOUN
fsr-3910	254	38	39.6	39.6	NUM
fsr-3910	254	39	%	%	NOUN
fsr-3910	254	40	54.1	54.1	NUM
fsr-3910	254	41	%	%	NOUN
fsr-3910	254	42	$	$	SYM
fsr-3910	254	43	50,000–$75,000	50,000–$75,000	NUM
fsr-3910	254	44	31.6	31.6	NUM
fsr-3910	254	45	%	%	NOUN
fsr-3910	254	46	30.6	30.6	NUM
fsr-3910	254	47	%	%	NOUN
fsr-3910	254	48	34.3	34.3	NUM
fsr-3910	254	49	%	%	NOUN
fsr-3910	254	50	36.9	36.9	NUM
fsr-3910	254	51	%	%	NOUN
fsr-3910	254	52	51.4	51.4	NUM
fsr-3910	254	53	%	%	NOUN
fsr-3910	254	54	$	$	SYM
fsr-3910	254	55	75,000–$100,000	75,000–$100,000	NUM
fsr-3910	254	56	24.5	24.5	NUM
fsr-3910	254	57	%	%	NOUN
fsr-3910	254	58	23.6	23.6	NUM
fsr-3910	254	59	%	%	NOUN
fsr-3910	254	60	26.9	26.9	NUM
fsr-3910	254	61	%	%	NOUN
fsr-3910	254	62	29.3	29.3	NUM
fsr-3910	254	63	%	%	NOUN
fsr-3910	254	64	43.0	43.0	NUM
fsr-3910	254	65	%	%	NOUN
fsr-3910	254	66	.$100,000	.$100,000	PUNCT
fsr-3910	255	1	13.7	13.7	NUM
fsr-3910	255	2	%	%	NOUN
fsr-3910	255	3	13.1	13.1	NUM
fsr-3910	255	4	%	%	NOUN
fsr-3910	255	5	15.4	15.4	NUM
fsr-3910	255	6	%	%	NOUN
fsr-3910	255	7	17.2	17.2	NUM
fsr-3910	255	8	%	%	NOUN
fsr-3910	255	9	28.1	28.1	NUM
fsr-3910	255	10	%	%	NOUN
fsr-3910	255	11	76	76	NUM
fsr-3910	255	12	j.l	j.l	PROPN
fsr-3910	255	13	.	.	PROPN
fsr-3910	255	14	vanderhei	vanderhei	PROPN
fsr-3910	255	15	,	,	PUNCT
fsr-3910	255	16	k.a	k.a	PROPN
fsr-3910	255	17	.	.	PROPN
fsr-3910	255	18	olsen	olsen	PROPN
fsr-3910	255	19	/	/	SYM
fsr-3910	255	20	financial	financial	ADJ
fsr-3910	255	21	services	service	NOUN
fsr-3910	255	22	review	review	VERB
fsr-3910	255	23	9	9	NUM
fsr-3910	255	24	(	(	PUNCT
fsr-3910	255	25	2000	2000	NUM
fsr-3910	255	26	)	)	PUNCT
fsr-3910	255	27	65–78	65–78	NUM
fsr-3910	255	28	benefit	benefit	NOUN
fsr-3910	255	29	guarantee	guarantee	NOUN
fsr-3910	255	30	of	of	ADP
fsr-3910	255	31	up	up	ADP
fsr-3910	255	32	to	to	ADP
fsr-3910	255	33	the	the	DET
fsr-3910	255	34	poverty	poverty	NOUN
fsr-3910	255	35	level	level	NOUN
fsr-3910	255	36	.	.	PUNCT
fsr-3910	256	1	in	in	ADP
fsr-3910	256	2	contrast	contrast	NOUN
fsr-3910	256	3	,	,	PUNCT
fsr-3910	256	4	by	by	ADP
fsr-3910	256	5	providing	provide	VERB
fsr-3910	256	6	investment	investment	NOUN
fsr-3910	256	7	choices	choice	NOUN
fsr-3910	256	8	like	like	ADP
fsr-3910	256	9	those	those	PRON
fsr-3910	256	10	available	available	ADJ
fsr-3910	256	11	to	to	ADP
fsr-3910	256	12	federal	federal	ADJ
fsr-3910	256	13	workers	worker	NOUN
fsr-3910	256	14	and	and	CCONJ
fsr-3910	256	15	by	by	ADP
fsr-3910	256	16	not	not	PART
fsr-3910	256	17	providing	provide	VERB
fsr-3910	256	18	a	a	DET
fsr-3910	256	19	minimum	minimum	ADJ
fsr-3910	256	20	benefit	benefit	NOUN
fsr-3910	256	21	guarantee	guarantee	NOUN
fsr-3910	256	22	,	,	PUNCT
fsr-3910	256	23	the	the	DET
fsr-3910	256	24	kasich	kasich	PROPN
fsr-3910	256	25	,	,	PUNCT
fsr-3910	256	26	moynihan	moynihan	PROPN
fsr-3910	256	27	-	-	PUNCT
fsr-3910	256	28	kerrey	kerrey	PROPN
fsr-3910	256	29	,	,	PUNCT
fsr-3910	256	30	and	and	CCONJ
fsr-3910	256	31	smith	smith	NOUN
fsr-3910	256	32	plans	plan	NOUN
fsr-3910	256	33	would	would	AUX
fsr-3910	256	34	likely	likely	ADV
fsr-3910	256	35	result	result	VERB
fsr-3910	256	36	in	in	ADP
fsr-3910	256	37	greater	great	ADJ
fsr-3910	256	38	differences	difference	NOUN
fsr-3910	256	39	in	in	ADP
fsr-3910	256	40	individual	individual	ADJ
fsr-3910	256	41	social	social	ADJ
fsr-3910	256	42	security	security	NOUN
fsr-3910	256	43	benefits	benefit	NOUN
fsr-3910	256	44	between	between	ADP
fsr-3910	256	45	men	man	NOUN
fsr-3910	256	46	and	and	CCONJ
fsr-3910	256	47	women	woman	NOUN
fsr-3910	256	48	than	than	SCONJ
fsr-3910	256	49	exist	exist	VERB
fsr-3910	256	50	under	under	ADP
fsr-3910	256	51	current	current	ADJ
fsr-3910	256	52	law	law	NOUN
fsr-3910	256	53	.	.	PUNCT
fsr-3910	257	1	our	our	PRON
fsr-3910	257	2	results	result	NOUN
fsr-3910	257	3	also	also	ADV
fsr-3910	257	4	suggest	suggest	VERB
fsr-3910	257	5	some	some	DET
fsr-3910	257	6	good	good	ADJ
fsr-3910	257	7	news	news	NOUN
fsr-3910	257	8	for	for	ADP
fsr-3910	257	9	those	those	PRON
fsr-3910	257	10	who	who	PRON
fsr-3910	257	11	advocate	advocate	VERB
fsr-3910	257	12	recent	recent	ADJ
fsr-3910	257	13	ia	ia	NOUN
fsr-3910	257	14	proposals	proposal	NOUN
fsr-3910	257	15	.	.	PUNCT
fsr-3910	258	1	first	first	ADV
fsr-3910	258	2	,	,	PUNCT
fsr-3910	258	3	our	our	PRON
fsr-3910	258	4	results	result	NOUN
fsr-3910	258	5	suggest	suggest	VERB
fsr-3910	258	6	that	that	SCONJ
fsr-3910	258	7	average	average	ADJ
fsr-3910	258	8	investment	investment	NOUN
fsr-3910	258	9	disparities	disparity	NOUN
fsr-3910	258	10	will	will	AUX
fsr-3910	258	11	lessen	lessen	VERB
fsr-3910	258	12	—	—	PUNCT
fsr-3910	258	13	or	or	CCONJ
fsr-3910	258	14	even	even	ADV
fsr-3910	258	15	disappear	disappear	VERB
fsr-3910	258	16	—	—	PUNCT
fsr-3910	258	17	as	as	SCONJ
fsr-3910	258	18	the	the	DET
fsr-3910	258	19	gap	gap	NOUN
fsr-3910	258	20	between	between	ADP
fsr-3910	258	21	women	woman	NOUN
fsr-3910	258	22	’s	’s	PART
fsr-3910	258	23	and	and	CCONJ
fsr-3910	258	24	men	man	NOUN
fsr-3910	258	25	’s	’s	PART
fsr-3910	258	26	incomes	income	NOUN
fsr-3910	258	27	continues	continue	VERB
fsr-3910	258	28	to	to	PART
fsr-3910	258	29	narrow	narrow	VERB
fsr-3910	258	30	.	.	PUNCT
fsr-3910	259	1	second	second	ADV
fsr-3910	259	2	,	,	PUNCT
fsr-3910	259	3	the	the	DET
fsr-3910	259	4	identification	identification	NOUN
fsr-3910	259	5	of	of	ADP
fsr-3910	259	6	those	those	PRON
fsr-3910	259	7	most	most	ADJ
fsr-3910	259	8	at	at	ADP
fsr-3910	259	9	risk	risk	NOUN
fsr-3910	259	10	for	for	ADP
fsr-3910	259	11	very	very	ADV
fsr-3910	259	12	conservative	conservative	ADJ
fsr-3910	259	13	investments	investment	NOUN
fsr-3910	259	14	,	,	PUNCT
fsr-3910	259	15	such	such	ADJ
fsr-3910	259	16	as	as	ADP
fsr-3910	259	17	lower	lower	ADV
fsr-3910	259	18	-	-	PUNCT
fsr-3910	259	19	earning	earn	VERB
fsr-3910	259	20	,	,	PUNCT
fsr-3910	259	21	younger	young	ADJ
fsr-3910	259	22	women	woman	NOUN
fsr-3910	259	23	,	,	PUNCT
fsr-3910	259	24	may	may	AUX
fsr-3910	259	25	help	help	VERB
fsr-3910	259	26	policymakers	policymaker	NOUN
fsr-3910	259	27	target	target	VERB
fsr-3910	259	28	them	they	PRON
fsr-3910	259	29	for	for	ADP
fsr-3910	259	30	special	special	ADJ
fsr-3910	259	31	social	social	ADJ
fsr-3910	259	32	security	security	NOUN
fsr-3910	259	33	account	account	NOUN
fsr-3910	259	34	investment	investment	NOUN
fsr-3910	259	35	education	education	NOUN
fsr-3910	259	36	or	or	CCONJ
fsr-3910	259	37	special	special	ADJ
fsr-3910	259	38	social	social	ADJ
fsr-3910	259	39	security	security	NOUN
fsr-3910	259	40	benefit	benefit	NOUN
fsr-3910	259	41	protections	protection	NOUN
fsr-3910	259	42	(	(	PUNCT
fsr-3910	259	43	such	such	ADJ
fsr-3910	259	44	as	as	ADP
fsr-3910	259	45	the	the	DET
fsr-3910	259	46	minimum	minimum	ADJ
fsr-3910	259	47	benefit	benefit	NOUN
fsr-3910	259	48	guarantees	guarantee	NOUN
fsr-3910	259	49	)	)	PUNCT
fsr-3910	259	50	suited	suit	VERB
fsr-3910	259	51	to	to	ADP
fsr-3910	259	52	their	their	PRON
fsr-3910	259	53	needs	need	NOUN
fsr-3910	259	54	.	.	PUNCT
fsr-3910	260	1	such	such	ADJ
fsr-3910	260	2	targets	target	NOUN
fsr-3910	260	3	may	may	AUX
fsr-3910	260	4	be	be	AUX
fsr-3910	260	5	desirable	desirable	ADJ
fsr-3910	260	6	,	,	PUNCT
fsr-3910	260	7	because	because	SCONJ
fsr-3910	260	8	:	:	PUNCT
fsr-3910	260	9	(	(	PUNCT
fsr-3910	260	10	1	1	X
fsr-3910	260	11	)	)	PUNCT
fsr-3910	260	12	those	those	PRON
fsr-3910	260	13	most	most	ADV
fsr-3910	260	14	at	at	ADP
fsr-3910	260	15	risk	risk	NOUN
fsr-3910	260	16	from	from	ADP
fsr-3910	260	17	overly	overly	ADV
fsr-3910	260	18	conservative	conservative	ADJ
fsr-3910	260	19	investing	investing	NOUN
fsr-3910	260	20	in	in	ADP
fsr-3910	260	21	401(k)s	401(k)s	PROPN
fsr-3910	260	22	are	be	AUX
fsr-3910	260	23	those	those	PRON
fsr-3910	260	24	who	who	PRON
fsr-3910	260	25	will	will	AUX
fsr-3910	260	26	probably	probably	ADV
fsr-3910	260	27	need	need	VERB
fsr-3910	260	28	retirement	retirement	NOUN
fsr-3910	260	29	income	income	NOUN
fsr-3910	260	30	supplementation	supplementation	NOUN
fsr-3910	260	31	from	from	ADP
fsr-3910	260	32	social	social	ADJ
fsr-3910	260	33	security	security	NOUN
fsr-3910	260	34	the	the	DET
fsr-3910	260	35	most	most	ADJ
fsr-3910	260	36	,	,	PUNCT
fsr-3910	260	37	and	and	CCONJ
fsr-3910	260	38	(	(	PUNCT
fsr-3910	260	39	2	2	X
fsr-3910	260	40	)	)	PUNCT
fsr-3910	260	41	this	this	DET
fsr-3910	260	42	analysis	analysis	NOUN
fsr-3910	260	43	has	have	AUX
fsr-3910	260	44	shown	show	VERB
fsr-3910	260	45	that	that	SCONJ
fsr-3910	260	46	young	young	ADJ
fsr-3910	260	47	females	female	NOUN
fsr-3910	260	48	are	be	AUX
fsr-3910	260	49	even	even	ADV
fsr-3910	260	50	more	more	ADV
fsr-3910	260	51	conservative	conservative	ADJ
fsr-3910	260	52	in	in	ADP
fsr-3910	260	53	their	their	PRON
fsr-3910	260	54	investment	investment	NOUN
fsr-3910	260	55	of	of	ADP
fsr-3910	260	56	401(k	401(k	NOUN
fsr-3910	260	57	)	)	PUNCT
fsr-3910	260	58	assets	asset	NOUN
fsr-3910	260	59	than	than	ADP
fsr-3910	260	60	overall	overall	ADJ
fsr-3910	260	61	gender	gender	NOUN
fsr-3910	260	62	differences	difference	NOUN
fsr-3910	260	63	would	would	AUX
fsr-3910	260	64	suggest	suggest	VERB
fsr-3910	260	65	,	,	PUNCT
fsr-3910	260	66	and	and	CCONJ
fsr-3910	260	67	it	it	PRON
fsr-3910	260	68	is	be	AUX
fsr-3910	260	69	precisely	precisely	ADV
fsr-3910	260	70	younger	young	ADJ
fsr-3910	260	71	age	age	NOUN
fsr-3910	260	72	groups	group	NOUN
fsr-3910	260	73	,	,	PUNCT
fsr-3910	260	74	of	of	ADP
fsr-3910	260	75	course	course	NOUN
fsr-3910	260	76	,	,	PUNCT
fsr-3910	260	77	whose	whose	DET
fsr-3910	260	78	contributions	contribution	NOUN
fsr-3910	260	79	would	would	AUX
fsr-3910	260	80	have	have	VERB
fsr-3910	260	81	the	the	DET
fsr-3910	260	82	longest	long	ADJ
fsr-3910	260	83	period	period	NOUN
fsr-3910	260	84	of	of	ADP
fsr-3910	260	85	time	time	NOUN
fsr-3910	260	86	to	to	PART
fsr-3910	260	87	accumulate	accumulate	VERB
fsr-3910	260	88	investment	investment	NOUN
fsr-3910	260	89	income	income	NOUN
fsr-3910	260	90	(	(	PUNCT
fsr-3910	260	91	barring	bar	VERB
fsr-3910	260	92	any	any	DET
fsr-3910	260	93	loan	loan	NOUN
fsr-3910	260	94	or	or	CCONJ
fsr-3910	260	95	withdrawal	withdrawal	NOUN
fsr-3910	260	96	behavior	behavior	NOUN
fsr-3910	260	97	)	)	PUNCT
fsr-3910	260	98	.	.	PUNCT
fsr-3910	261	1	references	reference	NOUN
fsr-3910	261	2	ameriks	ameriks	PROPN
fsr-3910	261	3	,	,	PUNCT
fsr-3910	261	4	j.	j.	PROPN
fsr-3910	261	5	,	,	PUNCT
fsr-3910	261	6	king	king	PROPN
fsr-3910	261	7	,	,	PUNCT
fsr-3910	261	8	f.	f.	PROPN
fsr-3910	261	9	p.	p.	PROPN
fsr-3910	261	10	,	,	PUNCT
fsr-3910	261	11	&	&	CCONJ
fsr-3910	261	12	warshawsky	warshawsky	PROPN
fsr-3910	261	13	,	,	PUNCT
fsr-3910	261	14	m.	m.	NOUN
fsr-3910	261	15	(	(	PUNCT
fsr-3910	261	16	1997	1997	NUM
fsr-3910	261	17	)	)	PUNCT
fsr-3910	261	18	.	.	PUNCT
fsr-3910	262	1	premium	premium	NOUN
fsr-3910	262	2	allocations	allocation	NOUN
fsr-3910	262	3	and	and	CCONJ
fsr-3910	262	4	accumulations	accumulation	NOUN
fsr-3910	262	5	in	in	ADP
fsr-3910	262	6	tiaa	tiaa	NOUN
fsr-3910	262	7	-	-	PUNCT
fsr-3910	262	8	cref	cref	NOUN
fsr-3910	262	9	—	—	PUNCT
fsr-3910	262	10	trends	trend	NOUN
fsr-3910	262	11	in	in	ADP
fsr-3910	262	12	participant	participant	ADJ
fsr-3910	262	13	choices	choice	NOUN
fsr-3910	262	14	among	among	ADP
fsr-3910	262	15	asset	asset	NOUN
fsr-3910	262	16	classes	class	NOUN
fsr-3910	262	17	and	and	CCONJ
fsr-3910	262	18	investment	investment	NOUN
fsr-3910	262	19	accounts.tiaa	accounts.tiaa	PROPN
fsr-3910	262	20	-	-	PUNCT
fsr-3910	262	21	cref	cref	NOUN
fsr-3910	262	22	research	research	NOUN
fsr-3910	262	23	dialogues	dialogue	NOUN
fsr-3910	262	24	,	,	PUNCT
fsr-3910	262	25	51	51	NUM
fsr-3910	262	26	.	.	PUNCT
fsr-3910	262	27	bajtelsmit	bajtelsmit	NOUN
fsr-3910	262	28	,	,	PUNCT
fsr-3910	262	29	v.	v.	ADP
fsr-3910	262	30	l.	l.	PROPN
fsr-3910	262	31	(	(	PUNCT
fsr-3910	262	32	1996	1996	NUM
fsr-3910	262	33	)	)	PUNCT
fsr-3910	262	34	.	.	PUNCT
fsr-3910	263	1	conservative	conservative	ADJ
fsr-3910	263	2	pension	pension	NOUN
fsr-3910	263	3	investment	investment	NOUN
fsr-3910	263	4	:	:	PUNCT
fsr-3910	263	5	how	how	SCONJ
fsr-3910	263	6	much	much	ADJ
fsr-3910	263	7	difference	difference	NOUN
fsr-3910	263	8	does	do	AUX
fsr-3910	263	9	it	it	PRON
fsr-3910	263	10	make?benefits	make?benefit	VERB
fsr-3910	263	11	quarterly	quarterly	ADJ
fsr-3910	263	12	,	,	PUNCT
fsr-3910	263	13	12(2	12(2	NUM
fsr-3910	263	14	)	)	PUNCT
fsr-3910	263	15	,	,	PUNCT
fsr-3910	263	16	35–39	35–39	NUM
fsr-3910	263	17	.	.	PUNCT
fsr-3910	264	1	bajtelsmit	bajtelsmit	NOUN
fsr-3910	264	2	,	,	PUNCT
fsr-3910	264	3	v.	v.	PROPN
fsr-3910	264	4	l.	l.	PROPN
fsr-3910	264	5	,	,	PUNCT
fsr-3910	264	6	&	&	CCONJ
fsr-3910	264	7	vanderhei	vanderhei	PROPN
fsr-3910	264	8	,	,	PUNCT
fsr-3910	264	9	j.	j.	PROPN
fsr-3910	264	10	l.	l.	PROPN
fsr-3910	264	11	(	(	PUNCT
fsr-3910	264	12	1997	1997	NUM
fsr-3910	264	13	)	)	PUNCT
fsr-3910	264	14	.	.	PUNCT
fsr-3910	265	1	risk	risk	NOUN
fsr-3910	265	2	aversion	aversion	NOUN
fsr-3910	265	3	and	and	CCONJ
fsr-3910	265	4	pension	pension	NOUN
fsr-3910	265	5	investment	investment	NOUN
fsr-3910	265	6	choices	choice	NOUN
fsr-3910	265	7	.	.	PUNCT
fsr-3910	266	1	in	in	ADP
fsr-3910	266	2	mitchell	mitchell	PROPN
fsr-3910	266	3	,	,	PUNCT
fsr-3910	266	4	gordon	gordon	PROPN
fsr-3910	266	5	et	et	PROPN
fsr-3910	266	6	al	al	PROPN
fsr-3910	266	7	.	.	PROPN
fsr-3910	267	1	(	(	PUNCT
fsr-3910	267	2	eds.),positioning	eds.),positione	VERB
fsr-3910	267	3	pensions	pension	NOUN
fsr-3910	267	4	for	for	ADP
fsr-3910	267	5	the	the	DET
fsr-3910	267	6	twenty	twenty	NUM
fsr-3910	267	7	-	-	PUNCT
fsr-3910	267	8	first	first	ADV
fsr-3910	267	9	century.philadelphia	century.philadelphia	PROPN
fsr-3910	267	10	,	,	PUNCT
fsr-3910	267	11	pa	pa	NOUN
fsr-3910	267	12	:	:	PUNCT
fsr-3910	267	13	university	university	PROPN
fsr-3910	267	14	of	of	ADP
fsr-3910	267	15	pennsylvania	pennsylvania	PROPN
fsr-3910	267	16	press	press	PROPN
fsr-3910	267	17	.	.	PUNCT
fsr-3910	268	1	ball	ball	PROPN
fsr-3910	268	2	,	,	PUNCT
fsr-3910	268	3	r.	r.	PROPN
fsr-3910	268	4	m.	m.	PROPN
fsr-3910	268	5	(	(	PUNCT
fsr-3910	268	6	1998).straight	1998).straight	NUM
fsr-3910	268	7	talk	talk	NOUN
fsr-3910	268	8	about	about	ADP
fsr-3910	268	9	social	social	ADJ
fsr-3910	268	10	security	security	NOUN
fsr-3910	268	11	:	:	PUNCT
fsr-3910	268	12	an	an	DET
fsr-3910	268	13	analysis	analysis	NOUN
fsr-3910	268	14	of	of	ADP
fsr-3910	268	15	the	the	DET
fsr-3910	268	16	issues	issue	NOUN
fsr-3910	268	17	in	in	ADP
fsr-3910	268	18	the	the	DET
fsr-3910	268	19	current	current	ADJ
fsr-3910	268	20	debate.new	debate.new	PROPN
fsr-3910	268	21	york	york	PROPN
fsr-3910	268	22	:	:	PUNCT
fsr-3910	268	23	the	the	DET
fsr-3910	268	24	century	century	PROPN
fsr-3910	268	25	foundation	foundation	NOUN
fsr-3910	268	26	press	press	PROPN
fsr-3910	268	27	.	.	PUNCT
fsr-3910	269	1	bowman	bowman	PROPN
fsr-3910	269	2	,	,	PUNCT
fsr-3910	269	3	k.	k.	PROPN
fsr-3910	269	4	(	(	PUNCT
fsr-3910	269	5	1999).social	1999).social	ADJ
fsr-3910	269	6	security	security	NOUN
fsr-3910	269	7	:	:	PUNCT
fsr-3910	269	8	a	a	DET
fsr-3910	269	9	report	report	NOUN
fsr-3910	269	10	on	on	ADP
fsr-3910	269	11	current	current	ADJ
fsr-3910	269	12	polls.social	polls.social	ADJ
fsr-3910	269	13	security	security	NOUN
fsr-3910	269	14	and	and	CCONJ
fsr-3910	269	15	pension	pension	NOUN
fsr-3910	269	16	studies	study	NOUN
fsr-3910	269	17	.	.	PUNCT
fsr-3910	270	1	the	the	DET
fsr-3910	270	2	american	american	PROPN
fsr-3910	270	3	enterprise	enterprise	PROPN
fsr-3910	270	4	institute	institute	PROPN
fsr-3910	270	5	,	,	PUNCT
fsr-3910	270	6	washington	washington	PROPN
fsr-3910	270	7	,	,	PUNCT
fsr-3910	270	8	dc	dc	PROPN
fsr-3910	270	9	:	:	PUNCT
fsr-3910	270	10	april	april	PROPN
fsr-3910	270	11	.	.	PUNCT
fsr-3910	271	1	buck	buck	NOUN
fsr-3910	271	2	consultants	consultant	NOUN
fsr-3910	271	3	.	.	PUNCT
fsr-3910	272	1	(	(	PUNCT
fsr-3910	272	2	1997).401(k	1997).401(k	NUM
fsr-3910	272	3	)	)	PUNCT
fsr-3910	272	4	plans	plan	NOUN
fsr-3910	272	5	:	:	PUNCT
fsr-3910	272	6	survey	survey	NOUN
fsr-3910	272	7	report	report	NOUN
fsr-3910	272	8	on	on	ADP
fsr-3910	272	9	plan	plan	NOUN
fsr-3910	272	10	design—1997(9th	design—1997(9th	PROPN
fsr-3910	272	11	ed	ed	NOUN
fsr-3910	272	12	.	.	PUNCT
fsr-3910	272	13	)	)	PUNCT
fsr-3910	273	1	new	new	PROPN
fsr-3910	273	2	york	york	PROPN
fsr-3910	273	3	:	:	PUNCT
fsr-3910	273	4	buck	buck	NOUN
fsr-3910	273	5	consultants	consultant	NOUN
fsr-3910	273	6	.	.	PUNCT
fsr-3910	274	1	cerulli	cerulli	PROPN
fsr-3910	274	2	associates	associates	PROPN
fsr-3910	274	3	,	,	PUNCT
fsr-3910	274	4	inc	inc	PROPN
fsr-3910	274	5	.	.	PROPN
fsr-3910	274	6	(	(	PUNCT
fsr-3910	274	7	1998).the	1998).the	NUM
fsr-3910	274	8	cerulli	cerulli	PROPN
fsr-3910	274	9	report	report	PROPN
fsr-3910	274	10	:	:	PUNCT
fsr-3910	274	11	the	the	DET
fsr-3910	274	12	state	state	NOUN
fsr-3910	274	13	of	of	ADP
fsr-3910	274	14	the	the	DET
fsr-3910	274	15	pension	pension	NOUN
fsr-3910	274	16	and	and	CCONJ
fsr-3910	274	17	retirement	retirement	NOUN
fsr-3910	274	18	markets.financial	markets.financial	PROPN
fsr-3910	274	19	press	press	NOUN
fsr-3910	274	20	copy	copy	NOUN
fsr-3910	274	21	.	.	PUNCT
fsr-3910	275	1	clark	clark	PROPN
fsr-3910	275	2	,	,	PUNCT
fsr-3910	275	3	r.	r.	PROPN
fsr-3910	275	4	l.	l.	PROPN
fsr-3910	275	5	,	,	PUNCT
fsr-3910	275	6	&	&	CCONJ
fsr-3910	275	7	schieber	schieber	PROPN
fsr-3910	275	8	,	,	PUNCT
fsr-3910	275	9	s.	s.	PROPN
fsr-3910	275	10	j.	j.	PROPN
fsr-3910	275	11	factors	factors	PROPN
fsr-3910	275	12	affecting	affect	VERB
fsr-3910	275	13	participation	participation	NOUN
fsr-3910	275	14	rates	rate	NOUN
fsr-3910	275	15	and	and	CCONJ
fsr-3910	275	16	contribution	contribution	NOUN
fsr-3910	275	17	levels	level	NOUN
fsr-3910	275	18	in	in	ADP
fsr-3910	275	19	401(k	401(k	PROPN
fsr-3910	275	20	)	)	PUNCT
fsr-3910	275	21	plans	plan	NOUN
fsr-3910	275	22	.	.	PUNCT
fsr-3910	276	1	in	in	ADP
fsr-3910	276	2	o.	o.	PROPN
fsr-3910	276	3	s.	s.	PROPN
fsr-3910	276	4	mitchell	mitchell	PROPN
fsr-3910	276	5	and	and	CCONJ
fsr-3910	276	6	s.	s.	PROPN
fsr-3910	276	7	j.	j.	PROPN
fsr-3910	276	8	schieber	schieber	PROPN
fsr-3910	276	9	(	(	PUNCT
fsr-3910	276	10	eds.),living	eds.),live	VERB
fsr-3910	276	11	with	with	ADP
fsr-3910	276	12	defined	define	VERB
fsr-3910	276	13	contribution	contribution	NOUN
fsr-3910	276	14	pensions	pension	NOUN
fsr-3910	276	15	.	.	PUNCT
fsr-3910	277	1	remaking	remake	VERB
fsr-3910	277	2	responsibility	responsibility	NOUN
fsr-3910	277	3	for	for	ADP
fsr-3910	277	4	retirement.philadelphia	retirement.philadelphia	PRON
fsr-3910	277	5	,	,	PUNCT
fsr-3910	277	6	pa	pa	PROPN
fsr-3910	277	7	:	:	PUNCT
fsr-3910	277	8	university	university	PROPN
fsr-3910	277	9	of	of	ADP
fsr-3910	277	10	pennsylvania	pennsylvania	PROPN
fsr-3910	277	11	press	press	PROPN
fsr-3910	277	12	.	.	PUNCT
fsr-3910	278	1	clark	clark	PROPN
fsr-3910	278	2	,	,	PUNCT
fsr-3910	278	3	r.	r.	PROPN
fsr-3910	278	4	l.	l.	PROPN
fsr-3910	278	5	,	,	PUNCT
fsr-3910	278	6	goodfellow	goodfellow	PROPN
fsr-3910	278	7	,	,	PUNCT
fsr-3910	278	8	g.	g.	PROPN
fsr-3910	278	9	p.	p.	PROPN
fsr-3910	278	10	,	,	PUNCT
fsr-3910	278	11	schieber	schieber	PROPN
fsr-3910	278	12	,	,	PUNCT
fsr-3910	278	13	s.	s.	PROPN
fsr-3910	278	14	,	,	PUNCT
fsr-3910	278	15	&	&	CCONJ
fsr-3910	278	16	warwick	warwick	PROPN
fsr-3910	278	17	,	,	PUNCT
fsr-3910	278	18	d.	d.	PROPN
fsr-3910	278	19	(	(	PUNCT
fsr-3910	278	20	1998	1998	NUM
fsr-3910	278	21	)	)	PUNCT
fsr-3910	278	22	.	.	PUNCT
fsr-3910	279	1	making	make	VERB
fsr-3910	279	2	the	the	DET
fsr-3910	279	3	most	most	ADJ
fsr-3910	279	4	of	of	ADP
fsr-3910	279	5	401(k	401(k	PROPN
fsr-3910	279	6	)	)	PUNCT
fsr-3910	279	7	plans	plan	NOUN
fsr-3910	279	8	:	:	PUNCT
fsr-3910	279	9	who	who	PRON
fsr-3910	279	10	’s	’s	AUX
fsr-3910	279	11	choosing	choose	VERB
fsr-3910	279	12	what	what	PRON
fsr-3910	279	13	and	and	CCONJ
fsr-3910	279	14	why	why	SCONJ
fsr-3910	279	15	?	?	PUNCT
fsr-3910	280	1	pension	pension	NOUN
fsr-3910	280	2	research	research	NOUN
fsr-3910	280	3	council	council	PROPN
fsr-3910	280	4	working	working	PROPN
fsr-3910	280	5	paper	paper	NOUN
fsr-3910	280	6	.	.	PUNCT
fsr-3910	281	1	goodfellow	goodfellow	PROPN
fsr-3910	281	2	,	,	PUNCT
fsr-3910	281	3	g.	g.	PROPN
fsr-3910	281	4	p.	p.	PROPN
fsr-3910	281	5	,	,	PUNCT
fsr-3910	281	6	&	&	CCONJ
fsr-3910	281	7	schieber	schieber	PROPN
fsr-3910	281	8	,	,	PUNCT
fsr-3910	281	9	s.	s.	PROPN
fsr-3910	281	10	j.	j.	PROPN
fsr-3910	281	11	(	(	PUNCT
fsr-3910	281	12	1997	1997	NUM
fsr-3910	281	13	)	)	PUNCT
fsr-3910	281	14	.	.	PUNCT
fsr-3910	282	1	investment	investment	NOUN
fsr-3910	282	2	of	of	ADP
fsr-3910	282	3	assets	asset	NOUN
fsr-3910	282	4	in	in	ADP
fsr-3910	282	5	self	self	NOUN
fsr-3910	282	6	-	-	PUNCT
fsr-3910	282	7	directed	direct	VERB
fsr-3910	282	8	retirement	retirement	NOUN
fsr-3910	282	9	plans	plan	NOUN
fsr-3910	282	10	.	.	PUNCT
fsr-3910	283	1	in	in	ADP
fsr-3910	283	2	m.	m.	PROPN
fsr-3910	283	3	gordon	gordon	PROPN
fsr-3910	283	4	,	,	PUNCT
fsr-3910	283	5	o.s	o.s	PROPN
fsr-3910	283	6	.	.	PROPN
fsr-3910	283	7	mitchell	mitchell	PROPN
fsr-3910	283	8	,	,	PUNCT
fsr-3910	283	9	&	&	CCONJ
fsr-3910	283	10	m.	m.	PROPN
fsr-3910	283	11	twinney	twinney	PROPN
fsr-3910	283	12	(	(	PUNCT
fsr-3910	283	13	eds.),positioning	eds.),positione	VERB
fsr-3910	283	14	pensions	pension	NOUN
fsr-3910	283	15	for	for	ADP
fsr-3910	283	16	the	the	DET
fsr-3910	283	17	twenty	twenty	NUM
fsr-3910	283	18	first	first	ADJ
fsr-3910	283	19	century.philadelphia	century.philadelphia	PROPN
fsr-3910	283	20	,	,	PUNCT
fsr-3910	283	21	pa	pa	NOUN
fsr-3910	283	22	:	:	PUNCT
fsr-3910	283	23	university	university	PROPN
fsr-3910	283	24	of	of	ADP
fsr-3910	283	25	pennsylvania	pennsylvania	PROPN
fsr-3910	283	26	press	press	PROPN
fsr-3910	283	27	.	.	PUNCT
fsr-3910	284	1	hewitt	hewitt	PROPN
fsr-3910	284	2	associates	associates	PROPN
fsr-3910	284	3	(	(	PUNCT
fsr-3910	284	4	1997).survey	1997).survey	NUM
fsr-3910	284	5	findings	finding	NOUN
fsr-3910	284	6	:	:	PUNCT
fsr-3910	284	7	401(k	401(k	NOUN
fsr-3910	284	8	)	)	PUNCT
fsr-3910	284	9	trends	trend	NOUN
fsr-3910	284	10	and	and	CCONJ
fsr-3910	284	11	experience	experience	NOUN
fsr-3910	284	12	,	,	PUNCT
fsr-3910	284	13	1997.lincolnshire	1997.lincolnshire	INTJ
fsr-3910	284	14	,	,	PUNCT
fsr-3910	284	15	il	il	PROPN
fsr-3910	284	16	:	:	PUNCT
fsr-3910	284	17	hewitt	hewitt	PROPN
fsr-3910	284	18	associates	associates	PROPN
fsr-3910	284	19	.	.	PUNCT
fsr-3910	285	1	hinz	hinz	PROPN
fsr-3910	285	2	,	,	PUNCT
fsr-3910	285	3	r.	r.	PROPN
fsr-3910	285	4	,	,	PUNCT
fsr-3910	285	5	mccarthy	mccarthy	PROPN
fsr-3910	285	6	,	,	PUNCT
fsr-3910	285	7	d.	d.	PROPN
fsr-3910	285	8	,	,	PUNCT
fsr-3910	285	9	&	&	CCONJ
fsr-3910	285	10	turner	turner	PROPN
fsr-3910	285	11	,	,	PUNCT
fsr-3910	285	12	j.	j.	PROPN
fsr-3910	285	13	(	(	PUNCT
fsr-3910	285	14	1997	1997	NUM
fsr-3910	285	15	)	)	PUNCT
fsr-3910	285	16	.	.	PUNCT
fsr-3910	285	17	are	be	AUX
fsr-3910	285	18	women	woman	NOUN
fsr-3910	285	19	conservative	conservative	ADJ
fsr-3910	285	20	investors	investor	NOUN
fsr-3910	285	21	:	:	PUNCT
fsr-3910	285	22	gender	gender	NOUN
fsr-3910	285	23	differences	difference	NOUN
fsr-3910	285	24	in	in	ADP
fsr-3910	285	25	77j.l	77j.l	PROPN
fsr-3910	285	26	.	.	PUNCT
fsr-3910	286	1	vanderhei	vanderhei	PROPN
fsr-3910	286	2	,	,	PUNCT
fsr-3910	286	3	k.a	k.a	PROPN
fsr-3910	286	4	.	.	PROPN
fsr-3910	286	5	olsen	olsen	PROPN
fsr-3910	286	6	/	/	SYM
fsr-3910	286	7	financial	financial	ADJ
fsr-3910	286	8	services	service	NOUN
fsr-3910	286	9	review	review	VERB
fsr-3910	286	10	9	9	NUM
fsr-3910	286	11	(	(	PUNCT
fsr-3910	286	12	2000	2000	NUM
fsr-3910	286	13	)	)	PUNCT
fsr-3910	286	14	65–78	65–78	NUM
fsr-3910	286	15	participant	participant	ADV
fsr-3910	286	16	-	-	PUNCT
fsr-3910	286	17	directed	direct	VERB
fsr-3910	286	18	pension	pension	NOUN
fsr-3910	286	19	investments	investment	NOUN
fsr-3910	286	20	.	.	PUNCT
fsr-3910	287	1	in	in	ADP
fsr-3910	287	2	mitchell	mitchell	PROPN
fsr-3910	287	3	,	,	PUNCT
fsr-3910	287	4	g.	g.	PROPN
fsr-3910	287	5	et	et	PROPN
fsr-3910	287	6	al	al	PROPN
fsr-3910	287	7	.	.	PROPN
fsr-3910	288	1	(	(	PUNCT
fsr-3910	288	2	eds.),positioning	eds.),positione	VERB
fsr-3910	288	3	pensions	pension	NOUN
fsr-3910	288	4	for	for	ADP
fsr-3910	288	5	the	the	DET
fsr-3910	288	6	twentyfirst	twentyfirst	NOUN
fsr-3910	288	7	century.philadelphia	century.philadelphia	X
fsr-3910	288	8	,	,	PUNCT
fsr-3910	288	9	pa	pa	NOUN
fsr-3910	288	10	:	:	PUNCT
fsr-3910	288	11	university	university	PROPN
fsr-3910	288	12	of	of	ADP
fsr-3910	288	13	pennsylvania	pennsylvania	PROPN
fsr-3910	288	14	press	press	PROPN
fsr-3910	288	15	.	.	PUNCT
fsr-3910	289	1	investment	investment	NOUN
fsr-3910	289	2	company	company	PROPN
fsr-3910	289	3	institute	institute	NOUN
fsr-3910	289	4	.	.	PUNCT
fsr-3910	290	1	(	(	PUNCT
fsr-3910	290	2	1999).u.s	1999).u.s	NUM
fsr-3910	290	3	.	.	PUNCT
fsr-3910	291	1	household	household	NOUN
fsr-3910	291	2	ownership	ownership	NOUN
fsr-3910	291	3	of	of	ADP
fsr-3910	291	4	mutual	mutual	ADJ
fsr-3910	291	5	funds	fund	NOUN
fsr-3910	291	6	in	in	ADP
fsr-3910	291	7	1998,washington	1998,washington	PROPN
fsr-3910	291	8	,	,	PUNCT
fsr-3910	291	9	dc	dc	PROPN
fsr-3910	291	10	:	:	PUNCT
fsr-3910	291	11	march	march	PROPN
fsr-3910	291	12	.	.	PUNCT
fsr-3910	292	1	kpmg	kpmg	PROPN
fsr-3910	292	2	peat	peat	NOUN
fsr-3910	292	3	marwick	marwick	NOUN
fsr-3910	292	4	.	.	PUNCT
fsr-3910	293	1	(	(	PUNCT
fsr-3910	293	2	1998).retirement	1998).retirement	NUM
fsr-3910	293	3	benefits	benefit	NOUN
fsr-3910	293	4	in	in	ADP
fsr-3910	293	5	the	the	DET
fsr-3910	293	6	1990s	1990s	NUM
fsr-3910	293	7	:	:	PUNCT
fsr-3910	293	8	1998	1998	NUM
fsr-3910	293	9	survey	survey	NOUN
fsr-3910	293	10	data.washington	data.washington	PROPN
fsr-3910	293	11	,	,	PUNCT
fsr-3910	293	12	dc	dc	PROPN
fsr-3910	293	13	:	:	PUNCT
fsr-3910	293	14	kpmg	kpmg	PROPN
fsr-3910	293	15	peat	peat	NOUN
fsr-3910	293	16	marwick	marwick	PROPN
fsr-3910	293	17	.	.	PUNCT
fsr-3910	294	1	mercer	mercer	PROPN
fsr-3910	294	2	,	,	PUNCT
fsr-3910	294	3	w.	w.	PROPN
fsr-3910	294	4	m.	m.	PROPN
fsr-3910	294	5	(	(	PUNCT
fsr-3910	294	6	1997).survey	1997).survey	NUM
fsr-3910	294	7	on	on	ADP
fsr-3910	294	8	employee	employee	NOUN
fsr-3910	294	9	savings	saving	NOUN
fsr-3910	294	10	plans	plan	NOUN
fsr-3910	294	11	,	,	PUNCT
fsr-3910	294	12	1997.new	1997.new	PROPN
fsr-3910	294	13	york	york	PROPN
fsr-3910	294	14	:	:	PUNCT
fsr-3910	294	15	william	william	PROPN
fsr-3910	294	16	m.	m.	PROPN
fsr-3910	294	17	mercer	mercer	PROPN
fsr-3910	294	18	.	.	PUNCT
fsr-3910	294	19	office	office	PROPN
fsr-3910	294	20	of	of	ADP
fsr-3910	294	21	management	management	NOUN
fsr-3910	294	22	and	and	CCONJ
fsr-3910	294	23	budget	budget	NOUN
fsr-3910	294	24	.	.	PUNCT
fsr-3910	295	1	(	(	PUNCT
fsr-3910	295	2	2000).budget	2000).budget	NUM
fsr-3910	295	3	of	of	ADP
fsr-3910	295	4	the	the	DET
fsr-3910	295	5	united	united	PROPN
fsr-3910	295	6	states	states	PROPN
fsr-3910	295	7	government	government	NOUN
fsr-3910	295	8	.	.	PUNCT
fsr-3910	296	1	fiscal	fiscal	ADJ
fsr-3910	296	2	year	year	NOUN
fsr-3910	296	3	,	,	PUNCT
fsr-3910	296	4	2000	2000	NUM
fsr-3910	296	5	.	.	PUNCT
fsr-3910	297	1	papke	papke	PROPN
fsr-3910	297	2	,	,	PUNCT
fsr-3910	297	3	l.	l.	PROPN
fsr-3910	297	4	e.	e.	PROPN
fsr-3910	297	5	(	(	PUNCT
fsr-3910	297	6	1998	1998	NUM
fsr-3910	297	7	)	)	PUNCT
fsr-3910	297	8	.	.	PUNCT
fsr-3910	298	1	how	how	SCONJ
fsr-3910	298	2	are	be	AUX
fsr-3910	298	3	participants	participant	NOUN
fsr-3910	298	4	investing	invest	VERB
fsr-3910	298	5	their	their	PRON
fsr-3910	298	6	accounts	account	NOUN
fsr-3910	298	7	in	in	ADP
fsr-3910	298	8	participant	participant	ADV
fsr-3910	298	9	-	-	PUNCT
fsr-3910	298	10	directed	direct	VERB
fsr-3910	298	11	individual	individual	ADJ
fsr-3910	298	12	account	account	NOUN
fsr-3910	298	13	pension	pension	NOUN
fsr-3910	298	14	plans?the	plans?the	DET
fsr-3910	298	15	american	american	PROPN
fsr-3910	298	16	economic	economic	PROPN
fsr-3910	298	17	review	review	PROPN
fsr-3910	298	18	,	,	PUNCT
fsr-3910	298	19	88(2	88(2	NUM
fsr-3910	298	20	)	)	PUNCT
fsr-3910	298	21	,	,	PUNCT
fsr-3910	298	22	212–216	212–216	NUM
fsr-3910	298	23	.	.	PUNCT
fsr-3910	298	24	profit	profit	NOUN
fsr-3910	298	25	sharing/401(k	sharing/401(k	NOUN
fsr-3910	298	26	)	)	PUNCT
fsr-3910	298	27	council	council	PROPN
fsr-3910	298	28	of	of	ADP
fsr-3910	298	29	america	america	PROPN
fsr-3910	298	30	.	.	PUNCT
fsr-3910	299	1	(	(	PUNCT
fsr-3910	299	2	1988).41st	1988).41st	ADJ
fsr-3910	299	3	annual	annual	ADJ
fsr-3910	299	4	survey	survey	NOUN
fsr-3910	299	5	of	of	ADP
fsr-3910	299	6	profit	profit	NOUN
fsr-3910	299	7	sharing	sharing	NOUN
fsr-3910	299	8	and	and	CCONJ
fsr-3910	299	9	401(k	401(k	NOUN
fsr-3910	299	10	)	)	PUNCT
fsr-3910	299	11	plans	plan	NOUN
fsr-3910	299	12	,	,	PUNCT
fsr-3910	299	13	reflecting	reflect	VERB
fsr-3910	299	14	1997	1997	NUM
fsr-3910	299	15	plan	plan	NOUN
fsr-3910	299	16	year	year	NOUN
fsr-3910	299	17	experience.chicago	experience.chicago	PROPN
fsr-3910	299	18	:	:	PUNCT
fsr-3910	299	19	profit	profit	NOUN
fsr-3910	299	20	sharing/401(k	sharing/401(k	NOUN
fsr-3910	299	21	)	)	PUNCT
fsr-3910	299	22	council	council	PROPN
fsr-3910	299	23	of	of	ADP
fsr-3910	299	24	america	america	PROPN
fsr-3910	299	25	.	.	PUNCT
fsr-3910	300	1	sunden	sunden	PROPN
fsr-3910	300	2	.	.	PUNCT
fsr-3910	301	1	(	(	PUNCT
fsr-3910	301	2	1998	1998	NUM
fsr-3910	301	3	)	)	PUNCT
fsr-3910	301	4	.	.	PUNCT
fsr-3910	302	1	gender	gender	NOUN
fsr-3910	302	2	differences	difference	NOUN
fsr-3910	302	3	in	in	ADP
fsr-3910	302	4	the	the	DET
fsr-3910	302	5	allocation	allocation	NOUN
fsr-3910	302	6	of	of	ADP
fsr-3910	302	7	assets	asset	NOUN
fsr-3910	302	8	in	in	ADP
fsr-3910	302	9	retirement	retirement	NOUN
fsr-3910	302	10	savings	saving	NOUN
fsr-3910	302	11	plans.the	plans.the	DET
fsr-3910	302	12	american	american	PROPN
fsr-3910	302	13	economic	economic	PROPN
fsr-3910	302	14	review	review	PROPN
fsr-3910	302	15	,	,	PUNCT
fsr-3910	302	16	may	may	AUX
fsr-3910	302	17	.	.	PUNCT
fsr-3910	303	1	u.	u.	PROPN
fsr-3910	303	2	s.	s.	PROPN
fsr-3910	303	3	department	department	PROPN
fsr-3910	303	4	of	of	ADP
fsr-3910	303	5	labor	labor	PROPN
fsr-3910	303	6	,	,	PUNCT
fsr-3910	303	7	pension	pension	NOUN
fsr-3910	303	8	and	and	CCONJ
fsr-3910	303	9	welfare	welfare	NOUN
fsr-3910	303	10	benefit	benefit	PROPN
fsr-3910	303	11	administration	administration	NOUN
fsr-3910	303	12	.	.	PUNCT
fsr-3910	304	1	(	(	PUNCT
fsr-3910	304	2	1998).abstract	1998).abstract	NUM
fsr-3910	304	3	of	of	ADP
fsr-3910	304	4	1994	1994	NUM
fsr-3910	304	5	form	form	NOUN
fsr-3910	304	6	5500	5500	NUM
fsr-3910	304	7	annual	annual	ADJ
fsr-3910	304	8	reports.washington	reports.washington	PROPN
fsr-3910	304	9	,	,	PUNCT
fsr-3910	304	10	dc	dc	PROPN
fsr-3910	304	11	:	:	PUNCT
fsr-3910	304	12	u.s	u.s	PROPN
fsr-3910	304	13	.	.	PROPN
fsr-3910	304	14	government	government	NOUN
fsr-3910	304	15	printing	printing	NOUN
fsr-3910	304	16	office	office	NOUN
fsr-3910	304	17	.	.	PUNCT
fsr-3910	305	1	upston	upston	PROPN
fsr-3910	305	2	,	,	PUNCT
fsr-3910	305	3	a.	a.	NOUN
fsr-3910	305	4	(	(	PUNCT
fsr-3910	305	5	1998	1998	NUM
fsr-3910	305	6	)	)	PUNCT
fsr-3910	305	7	.	.	PUNCT
fsr-3910	306	1	public	public	ADJ
fsr-3910	306	2	opinion	opinion	NOUN
fsr-3910	306	3	on	on	ADP
fsr-3910	306	4	social	social	ADJ
fsr-3910	306	5	security.ebri	security.ebri	PROPN
fsr-3910	306	6	notes	note	NOUN
fsr-3910	306	7	,	,	PUNCT
fsr-3910	306	8	19(10	19(10	NUM
fsr-3910	306	9	)	)	PUNCT
fsr-3910	306	10	.	.	PUNCT
fsr-3910	307	1	vanderhei	vanderhei	PROPN
fsr-3910	307	2	,	,	PUNCT
fsr-3910	307	3	j.	j.	PROPN
fsr-3910	307	4	(	(	PUNCT
fsr-3910	307	5	1999a	1999a	NUM
fsr-3910	307	6	)	)	PUNCT
fsr-3910	307	7	.	.	PUNCT
fsr-3910	308	1	demographic	demographic	ADJ
fsr-3910	308	2	differences	difference	NOUN
fsr-3910	308	3	between	between	ADP
fsr-3910	308	4	the	the	DET
fsr-3910	308	5	population	population	NOUN
fsr-3910	308	6	covered	cover	VERB
fsr-3910	308	7	by	by	ADP
fsr-3910	308	8	employment	employment	NOUN
fsr-3910	308	9	-	-	PUNCT
fsr-3910	308	10	based	base	VERB
fsr-3910	308	11	defined	define	VERB
fsr-3910	308	12	contributions	contribution	NOUN
fsr-3910	308	13	plans	plan	NOUN
fsr-3910	308	14	and	and	CCONJ
fsr-3910	308	15	the	the	DET
fsr-3910	308	16	total	total	ADJ
fsr-3910	308	17	work	work	NOUN
fsr-3910	308	18	force	force	NOUN
fsr-3910	308	19	covered	cover	VERB
fsr-3910	308	20	by	by	ADP
fsr-3910	308	21	social	social	ADJ
fsr-3910	308	22	security	security	NOUN
fsr-3910	308	23	.	.	PUNCT
fsr-3910	309	1	in	in	ADP
fsr-3910	309	2	d.	d.	PROPN
fsr-3910	309	3	salisbury	salisbury	PROPN
fsr-3910	309	4	.	.	PUNCT
fsr-3910	310	1	(	(	PUNCT
fsr-3910	310	2	ed.).beyond	ed.).beyond	NOUN
fsr-3910	310	3	ideology	ideology	NOUN
fsr-3910	310	4	:	:	PUNCT
fsr-3910	310	5	are	be	AUX
fsr-3910	310	6	individual	individual	ADJ
fsr-3910	310	7	social	social	ADJ
fsr-3910	310	8	security	security	NOUN
fsr-3910	310	9	accounts	account	NOUN
fsr-3910	310	10	feasible?.washington	feasible?.washington	PROPN
fsr-3910	310	11	,	,	PUNCT
fsr-3910	310	12	dc	dc	PROPN
fsr-3910	310	13	:	:	PUNCT
fsr-3910	310	14	employee	employee	NOUN
fsr-3910	310	15	benefit	benefit	PROPN
fsr-3910	310	16	research	research	PROPN
fsr-3910	310	17	institute	institute	NOUN
fsr-3910	310	18	.	.	PUNCT
fsr-3910	311	1	117–122	117–122	NUM
fsr-3910	311	2	.	.	PUNCT
fsr-3910	312	1	vanderhei	vanderhei	PROPN
fsr-3910	312	2	,	,	PUNCT
fsr-3910	312	3	j.	j.	PROPN
fsr-3910	312	4	,	,	PUNCT
fsr-3910	312	5	galer	galer	PROPN
fsr-3910	312	6	,	,	PUNCT
fsr-3910	312	7	r.	r.	PROPN
fsr-3910	312	8	,	,	PUNCT
fsr-3910	312	9	quick	quick	ADJ
fsr-3910	312	10	,	,	PUNCT
fsr-3910	312	11	c.	c.	PROPN
fsr-3910	312	12	,	,	PUNCT
fsr-3910	312	13	&	&	CCONJ
fsr-3910	312	14	rea	rea	PROPN
fsr-3910	312	15	,	,	PUNCT
fsr-3910	312	16	j.	j.	PROPN
fsr-3910	312	17	(	(	PUNCT
fsr-3910	312	18	1999b	1999b	NUM
fsr-3910	312	19	)	)	PUNCT
fsr-3910	312	20	.	.	PUNCT
fsr-3910	313	1	401(k	401(k	NOUN
fsr-3910	313	2	)	)	PUNCT
fsr-3910	313	3	plan	plan	VERB
fsr-3910	313	4	asset	asset	NOUN
fsr-3910	313	5	allocation	allocation	NOUN
fsr-3910	313	6	,	,	PUNCT
fsr-3910	313	7	account	account	NOUN
fsr-3910	313	8	balances	balance	NOUN
fsr-3910	313	9	,	,	PUNCT
fsr-3910	313	10	and	and	CCONJ
fsr-3910	313	11	loan	loan	NOUN
fsr-3910	313	12	activity	activity	NOUN
fsr-3910	313	13	.	.	PUNCT
fsr-3910	314	1	ebri	ebri	NOUN
fsr-3910	314	2	issue	issue	NOUN
fsr-3910	314	3	brief	brief	NOUN
fsr-3910	314	4	,	,	PUNCT
fsr-3910	314	5	205	205	NUM
fsr-3910	314	6	.	.	PUNCT
fsr-3910	315	1	yakoboski	yakoboski	PROPN
fsr-3910	315	2	,	,	PUNCT
fsr-3910	315	3	p.	p.	PROPN
fsr-3910	315	4	j.	j.	PROPN
fsr-3910	315	5	,	,	PUNCT
fsr-3910	315	6	&	&	CCONJ
fsr-3910	315	7	vanderhei	vanderhei	PROPN
fsr-3910	315	8	,	,	PUNCT
fsr-3910	315	9	j.	j.	PROPN
fsr-3910	315	10	l.	l.	PROPN
fsr-3910	315	11	(	(	PUNCT
fsr-3910	315	12	1996	1996	NUM
fsr-3910	315	13	)	)	PUNCT
fsr-3910	315	14	.	.	PUNCT
fsr-3910	316	1	worker	worker	NOUN
fsr-3910	316	2	investment	investment	NOUN
fsr-3910	316	3	decisions	decision	NOUN
fsr-3910	316	4	:	:	PUNCT
fsr-3910	316	5	an	an	DET
fsr-3910	316	6	analysis	analysis	NOUN
fsr-3910	316	7	of	of	ADP
fsr-3910	316	8	large	large	ADJ
fsr-3910	316	9	401(k	401(k	PROPN
fsr-3910	316	10	)	)	PUNCT
fsr-3910	316	11	data.ebri	data.ebri	NOUN
fsr-3910	316	12	issue	issue	NOUN
fsr-3910	316	13	,	,	PUNCT
fsr-3910	316	14	brief	brief	ADJ
fsr-3910	317	1	no	no	INTJ
fsr-3910	317	2	.	.	NOUN
fsr-3910	318	1	176	176	NUM
fsr-3910	318	2	(	(	PUNCT
fsr-3910	318	3	employee	employee	NOUN
fsr-3910	318	4	benefit	benefit	NOUN
fsr-3910	318	5	research	research	PROPN
fsr-3910	318	6	institute	institute	PROPN
fsr-3910	318	7	)	)	PUNCT
fsr-3910	318	8	.	.	PUNCT
fsr-3910	319	1	78	78	NUM
fsr-3910	319	2	j.l	j.l	PROPN
fsr-3910	319	3	.	.	PROPN
fsr-3910	319	4	vanderhei	vanderhei	PROPN
fsr-3910	319	5	,	,	PUNCT
fsr-3910	319	6	k.a	k.a	PROPN
fsr-3910	319	7	.	.	PROPN
fsr-3910	319	8	olsen	olsen	PROPN
fsr-3910	319	9	/	/	SYM
fsr-3910	319	10	financial	financial	ADJ
fsr-3910	319	11	services	service	NOUN
fsr-3910	319	12	review	review	VERB
fsr-3910	319	13	9	9	NUM
fsr-3910	319	14	(	(	PUNCT
fsr-3910	319	15	2000	2000	NUM
fsr-3910	319	16	)	)	PUNCT
fsr-3910	319	17	65–78	65–78	NOUN