id	sid	tid	token	lemma	pos
fsr-3925	1	1	pii	pii	PROPN
fsr-3925	1	2	:	:	PUNCT
fsr-3925	1	3	s1057	s1057	NOUN
fsr-3925	1	4	-	-	PUNCT
fsr-3925	1	5	0810(01)00069	0810(01)00069	NUM
fsr-3925	1	6	-	-	PUNCT
fsr-3925	1	7	5	5	NUM
fsr-3925	1	8	retirement	retirement	NOUN
fsr-3925	1	9	planning	planning	NOUN
fsr-3925	1	10	guidelines	guideline	NOUN
fsr-3925	1	11	:	:	PUNCT
fsr-3925	1	12	a	a	DET
fsr-3925	1	13	delphi	delphi	ADJ
fsr-3925	1	14	study	study	NOUN
fsr-3925	1	15	of	of	ADP
fsr-3925	1	16	financial	financial	ADJ
fsr-3925	1	17	planners	planner	NOUN
fsr-3925	1	18	and	and	CCONJ
fsr-3925	1	19	educators	educator	NOUN
fsr-3925	1	20	sue	sue	VERB
fsr-3925	1	21	alexander	alexander	PROPN
fsr-3925	1	22	greningera	greningera	PROPN
fsr-3925	1	23	,	,	PUNCT
fsr-3925	1	24	vickie	vickie	PROPN
fsr-3925	1	25	l.	l.	PROPN
fsr-3925	1	26	hamptonb	hamptonb	PROPN
fsr-3925	1	27	,	,	PUNCT
fsr-3925	1	28	*	*	PROPN
fsr-3925	1	29	,	,	PUNCT
fsr-3925	1	30	karrol	karrol	PROPN
fsr-3925	1	31	a.	a.	PROPN
fsr-3925	1	32	kitt	kitt	PROPN
fsr-3925	2	1	a	a	PROPN
fsr-3925	2	2	,	,	PUNCT
fsr-3925	2	3	susan	susan	PROPN
fsr-3925	2	4	jacquetc	jacquetc	PROPN
fsr-3925	2	5	adepartment	adepartment	NOUN
fsr-3925	2	6	of	of	ADP
fsr-3925	2	7	human	human	ADJ
fsr-3925	2	8	ecology	ecology	NOUN
fsr-3925	2	9	,	,	PUNCT
fsr-3925	2	10	university	university	PROPN
fsr-3925	2	11	of	of	ADP
fsr-3925	2	12	texas	texas	PROPN
fsr-3925	2	13	at	at	ADP
fsr-3925	2	14	austin	austin	PROPN
fsr-3925	2	15	,	,	PUNCT
fsr-3925	2	16	austin	austin	PROPN
fsr-3925	2	17	,	,	PUNCT
fsr-3925	2	18	tx	tx	PROPN
fsr-3925	2	19	78712	78712	NUM
fsr-3925	2	20	,	,	PUNCT
fsr-3925	2	21	usa	usa	PROPN
fsr-3925	2	22	bfamily	bfamily	PROPN
fsr-3925	2	23	financial	financial	PROPN
fsr-3925	2	24	planning	planning	NOUN
fsr-3925	2	25	program	program	NOUN
fsr-3925	2	26	,	,	PUNCT
fsr-3925	2	27	box	box	PROPN
fsr-3925	2	28	41162	41162	NUM
fsr-3925	2	29	,	,	PUNCT
fsr-3925	2	30	texas	texas	PROPN
fsr-3925	2	31	tech	tech	PROPN
fsr-3925	2	32	university	university	PROPN
fsr-3925	2	33	,	,	PUNCT
fsr-3925	2	34	lubbock	lubbock	PROPN
fsr-3925	2	35	,	,	PUNCT
fsr-3925	2	36	tx	tx	PROPN
fsr-3925	2	37	79409	79409	NUM
fsr-3925	2	38	,	,	PUNCT
fsr-3925	2	39	usa	usa	PROPN
fsr-3925	2	40	ccalifornia	ccalifornia	PROPN
fsr-3925	2	41	social	social	ADJ
fsr-3925	2	42	work	work	NOUN
fsr-3925	2	43	education	education	NOUN
fsr-3925	2	44	center	center	NOUN
fsr-3925	2	45	,	,	PUNCT
fsr-3925	2	46	uc	uc	PROPN
fsr-3925	2	47	berkeley	berkeley	PROPN
fsr-3925	2	48	school	school	NOUN
fsr-3925	2	49	of	of	ADP
fsr-3925	2	50	social	social	ADJ
fsr-3925	2	51	work	work	NOUN
fsr-3925	2	52	,	,	PUNCT
fsr-3925	2	53	120	120	NUM
fsr-3925	2	54	haviland	haviland	NOUN
fsr-3925	2	55	hall	hall	NOUN
fsr-3925	2	56	,	,	PUNCT
fsr-3925	2	57	berkeley	berkeley	PROPN
fsr-3925	2	58	,	,	PUNCT
fsr-3925	2	59	ca	ca	NOUN
fsr-3925	2	60	94720	94720	NUM
fsr-3925	2	61	,	,	PUNCT
fsr-3925	2	62	usa	usa	PROPN
fsr-3925	2	63	received	receive	VERB
fsr-3925	2	64	22	22	NUM
fsr-3925	2	65	december	december	PROPN
fsr-3925	2	66	2000	2000	NUM
fsr-3925	2	67	;	;	PUNCT
fsr-3925	2	68	received	receive	VERB
fsr-3925	2	69	in	in	ADP
fsr-3925	2	70	revised	revise	VERB
fsr-3925	2	71	form	form	NOUN
fsr-3925	2	72	19	19	NUM
fsr-3925	2	73	february	february	NOUN
fsr-3925	2	74	2001	2001	NUM
fsr-3925	2	75	;	;	PUNCT
fsr-3925	2	76	accepted	accept	VERB
fsr-3925	2	77	26	26	NUM
fsr-3925	2	78	february	february	PROPN
fsr-3925	2	79	2001	2001	NUM
fsr-3925	2	80	abstract	abstract	ADJ
fsr-3925	2	81	retirement	retirement	NOUN
fsr-3925	2	82	planning	planning	NOUN
fsr-3925	2	83	guidelines	guideline	NOUN
fsr-3925	2	84	were	be	AUX
fsr-3925	2	85	determined	determine	VERB
fsr-3925	2	86	using	use	VERB
fsr-3925	2	87	a	a	DET
fsr-3925	2	88	delphi	delphi	ADJ
fsr-3925	2	89	research	research	NOUN
fsr-3925	2	90	design	design	NOUN
fsr-3925	2	91	among	among	ADP
fsr-3925	2	92	188	188	NUM
fsr-3925	2	93	financial	financial	ADJ
fsr-3925	2	94	planners	planner	NOUN
fsr-3925	2	95	and	and	CCONJ
fsr-3925	2	96	educators	educator	NOUN
fsr-3925	2	97	.	.	PUNCT
fsr-3925	3	1	consensus	consensus	NOUN
fsr-3925	3	2	was	be	AUX
fsr-3925	3	3	found	find	VERB
fsr-3925	3	4	for	for	ADP
fsr-3925	3	5	using	use	VERB
fsr-3925	3	6	a	a	DET
fsr-3925	3	7	4	4	NUM
fsr-3925	3	8	%	%	NOUN
fsr-3925	3	9	inflation	inflation	NOUN
fsr-3925	3	10	rate	rate	NOUN
fsr-3925	3	11	,	,	PUNCT
fsr-3925	3	12	an	an	DET
fsr-3925	3	13	8.5	8.5	NUM
fsr-3925	3	14	%	%	NOUN
fsr-3925	3	15	rate	rate	NOUN
fsr-3925	3	16	of	of	ADP
fsr-3925	3	17	return	return	NOUN
fsr-3925	3	18	on	on	ADP
fsr-3925	3	19	investments	investment	NOUN
fsr-3925	3	20	,	,	PUNCT
fsr-3925	3	21	and	and	CCONJ
fsr-3925	3	22	a	a	DET
fsr-3925	3	23	replacement	replacement	NOUN
fsr-3925	3	24	ratio	ratio	NOUN
fsr-3925	3	25	of	of	ADP
fsr-3925	3	26	70–89	70–89	NUM
fsr-3925	3	27	%	%	NOUN
fsr-3925	3	28	of	of	ADP
fsr-3925	3	29	current	current	ADJ
fsr-3925	3	30	income	income	NOUN
fsr-3925	3	31	when	when	SCONJ
fsr-3925	3	32	making	make	VERB
fsr-3925	3	33	retirement	retirement	NOUN
fsr-3925	3	34	projections	projection	NOUN
fsr-3925	3	35	.	.	PUNCT
fsr-3925	4	1	nine	nine	NUM
fsr-3925	4	2	-	-	PUNCT
fsr-3925	4	3	tenths	tenth	NOUN
fsr-3925	4	4	of	of	ADP
fsr-3925	4	5	the	the	DET
fsr-3925	4	6	experts	expert	NOUN
fsr-3925	4	7	agreed	agree	VERB
fsr-3925	4	8	that	that	SCONJ
fsr-3925	4	9	families	family	NOUN
fsr-3925	4	10	should	should	AUX
fsr-3925	4	11	have	have	AUX
fsr-3925	4	12	achieved	achieve	VERB
fsr-3925	4	13	50–60	50–60	NUM
fsr-3925	4	14	%	%	NOUN
fsr-3925	4	15	of	of	ADP
fsr-3925	4	16	their	their	PRON
fsr-3925	4	17	retirement	retirement	NOUN
fsr-3925	4	18	savings	saving	NOUN
fsr-3925	4	19	goal	goal	NOUN
fsr-3925	4	20	by	by	ADP
fsr-3925	4	21	age	age	NOUN
fsr-3925	4	22	50	50	NUM
fsr-3925	4	23	and	and	CCONJ
fsr-3925	4	24	85–90	85–90	NUM
fsr-3925	4	25	%	%	NOUN
fsr-3925	4	26	by	by	ADP
fsr-3925	4	27	age	age	NOUN
fsr-3925	4	28	60	60	NUM
fsr-3925	4	29	.	.	PUNCT
fsr-3925	5	1	regarding	regard	VERB
fsr-3925	5	2	asset	asset	NOUN
fsr-3925	5	3	allocation	allocation	NOUN
fsr-3925	5	4	,	,	PUNCT
fsr-3925	5	5	over	over	ADP
fsr-3925	5	6	60	60	NUM
fsr-3925	5	7	%	%	NOUN
fsr-3925	5	8	felt	feel	VERB
fsr-3925	5	9	it	it	PRON
fsr-3925	5	10	was	be	AUX
fsr-3925	5	11	prudent	prudent	ADJ
fsr-3925	5	12	to	to	PART
fsr-3925	5	13	start	start	VERB
fsr-3925	5	14	moving	move	VERB
fsr-3925	5	15	toward	toward	ADP
fsr-3925	5	16	more	more	ADJ
fsr-3925	5	17	conservative	conservative	ADJ
fsr-3925	5	18	investments	investment	NOUN
fsr-3925	5	19	about	about	ADP
fsr-3925	5	20	3–5	3–5	NUM
fsr-3925	5	21	years	year	NOUN
fsr-3925	5	22	before	before	ADP
fsr-3925	5	23	retirement	retirement	NOUN
fsr-3925	5	24	.	.	PUNCT
fsr-3925	6	1	recommendations	recommendation	NOUN
fsr-3925	6	2	were	be	AUX
fsr-3925	6	3	developed	develop	VERB
fsr-3925	6	4	on	on	ADP
fsr-3925	6	5	the	the	DET
fsr-3925	6	6	proportion	proportion	NOUN
fsr-3925	6	7	of	of	ADP
fsr-3925	6	8	growth	growth	NOUN
fsr-3925	6	9	-	-	PUNCT
fsr-3925	6	10	oriented	orient	VERB
fsr-3925	6	11	equities	equity	NOUN
fsr-3925	6	12	to	to	PART
fsr-3925	6	13	hold	hold	VERB
fsr-3925	6	14	at	at	ADP
fsr-3925	6	15	various	various	ADJ
fsr-3925	6	16	points	point	NOUN
fsr-3925	6	17	prior	prior	ADV
fsr-3925	6	18	to	to	ADP
fsr-3925	6	19	and	and	CCONJ
fsr-3925	6	20	after	after	ADP
fsr-3925	6	21	retiring	retire	VERB
fsr-3925	6	22	.	.	PUNCT
fsr-3925	7	1	while	while	SCONJ
fsr-3925	7	2	the	the	DET
fsr-3925	7	3	level	level	NOUN
fsr-3925	7	4	of	of	ADP
fsr-3925	7	5	consensus	consensus	NOUN
fsr-3925	7	6	was	be	AUX
fsr-3925	7	7	high	high	ADJ
fsr-3925	7	8	,	,	PUNCT
fsr-3925	7	9	occupational	occupational	ADJ
fsr-3925	7	10	and	and	CCONJ
fsr-3925	7	11	gender	gender	NOUN
fsr-3925	7	12	differences	difference	NOUN
fsr-3925	7	13	were	be	AUX
fsr-3925	7	14	noted	note	VERB
fsr-3925	7	15	.	.	PUNCT
fsr-3925	8	1	©	©	PROPN
fsr-3925	8	2	2001	2001	NUM
fsr-3925	8	3	elsevier	elsevier	PROPN
fsr-3925	8	4	science	science	PROPN
fsr-3925	8	5	inc	inc	PROPN
fsr-3925	8	6	.	.	PUNCT
fsr-3925	9	1	all	all	DET
fsr-3925	9	2	rights	right	NOUN
fsr-3925	9	3	reserved	reserve	VERB
fsr-3925	9	4	.	.	PUNCT
fsr-3925	10	1	jel	jel	PROPN
fsr-3925	10	2	classification	classification	PROPN
fsr-3925	10	3	:	:	PUNCT
fsr-3925	10	4	d12	d12	ADJ
fsr-3925	10	5	keywords	keyword	NOUN
fsr-3925	10	6	:	:	PUNCT
fsr-3925	10	7	retirement	retirement	NOUN
fsr-3925	10	8	planning	planning	NOUN
fsr-3925	10	9	;	;	PUNCT
fsr-3925	10	10	retirement	retirement	NOUN
fsr-3925	10	11	needs	need	VERB
fsr-3925	10	12	analysis	analysis	NOUN
fsr-3925	10	13	;	;	PUNCT
fsr-3925	10	14	retirement	retirement	NOUN
fsr-3925	10	15	guidelines	guideline	NOUN
fsr-3925	10	16	;	;	PUNCT
fsr-3925	10	17	asset	asset	NOUN
fsr-3925	10	18	allocation	allocation	NOUN
fsr-3925	10	19	*	*	PUNCT
fsr-3925	10	20	corresponding	correspond	VERB
fsr-3925	10	21	author	author	NOUN
fsr-3925	10	22	.	.	PUNCT
fsr-3925	11	1	tel.:11	tel.:11	PROPN
fsr-3925	11	2	-	-	PUNCT
fsr-3925	11	3	806	806	NUM
fsr-3925	11	4	-	-	PUNCT
fsr-3925	11	5	742	742	NUM
fsr-3925	11	6	-	-	NUM
fsr-3925	11	7	3050	3050	NUM
fsr-3925	11	8	;	;	PUNCT
fsr-3925	11	9	fax:11	fax:11	NOUN
fsr-3925	11	10	-	-	PUNCT
fsr-3925	11	11	806	806	NUM
fsr-3925	11	12	-	-	PUNCT
fsr-3925	11	13	742	742	NUM
fsr-3925	11	14	-	-	NUM
fsr-3925	11	15	1639	1639	NUM
fsr-3925	11	16	.	.	PUNCT
fsr-3925	12	1	e	e	X
fsr-3925	12	2	-	-	NOUN
fsr-3925	12	3	mail	mail	NOUN
fsr-3925	12	4	addresses:vhampton@hs.ttu.edu	addresses:vhampton@hs.ttu.edu	NOUN
fsr-3925	12	5	(	(	PUNCT
fsr-3925	12	6	v.l	v.l	PROPN
fsr-3925	12	7	.	.	PROPN
fsr-3925	12	8	hampton	hampton	PROPN
fsr-3925	12	9	)	)	PUNCT
fsr-3925	12	10	,	,	PUNCT
fsr-3925	12	11	sgreninger@mail.utexas.edu	sgreninger@mail.utexas.edu	PROPN
fsr-3925	12	12	(	(	PUNCT
fsr-3925	12	13	s.a	s.a	PROPN
fsr-3925	12	14	.	.	PROPN
fsr-3925	12	15	greninger	greninger	NOUN
fsr-3925	12	16	)	)	PUNCT
fsr-3925	12	17	,	,	PUNCT
fsr-3925	12	18	kkitt@mail.utexas.edu	kkitt@mail.utexas.edu	X
fsr-3925	12	19	(	(	PUNCT
fsr-3925	12	20	k.a	k.a	PROPN
fsr-3925	12	21	.	.	PROPN
fsr-3925	12	22	kitt	kitt	PROPN
fsr-3925	12	23	)	)	PUNCT
fsr-3925	12	24	,	,	PUNCT
fsr-3925	12	25	sjacquet@uclink.berkeley.edu	sjacquet@uclink.berkeley.edu	PROPN
fsr-3925	12	26	(	(	PUNCT
fsr-3925	12	27	s.	s.	PROPN
fsr-3925	12	28	jacquet	jacquet	PROPN
fsr-3925	12	29	)	)	PUNCT
fsr-3925	12	30	.	.	PUNCT
fsr-3925	13	1	financial	financial	ADJ
fsr-3925	13	2	services	service	NOUN
fsr-3925	13	3	review	review	VERB
fsr-3925	13	4	9	9	NUM
fsr-3925	13	5	(	(	PUNCT
fsr-3925	13	6	2000	2000	NUM
fsr-3925	13	7	)	)	PUNCT
fsr-3925	14	1	231–245	231–245	NUM
fsr-3925	14	2	1057	1057	NUM
fsr-3925	14	3	-	-	SYM
fsr-3925	14	4	0810/00/$	0810/00/$	NUM
fsr-3925	14	5	–	–	PUNCT
fsr-3925	14	6	see	see	VERB
fsr-3925	14	7	front	front	ADJ
fsr-3925	14	8	matter	matter	NOUN
fsr-3925	14	9	©	©	PROPN
fsr-3925	14	10	2001	2001	NUM
fsr-3925	14	11	elsevier	elsevier	PROPN
fsr-3925	14	12	science	science	PROPN
fsr-3925	14	13	inc	inc	PROPN
fsr-3925	14	14	.	.	PUNCT
fsr-3925	15	1	all	all	DET
fsr-3925	15	2	rights	right	NOUN
fsr-3925	15	3	reserved	reserve	VERB
fsr-3925	15	4	.	.	PUNCT
fsr-3925	16	1	pii	pii	NOUN
fsr-3925	16	2	:	:	PUNCT
fsr-3925	16	3	s1057	s1057	NOUN
fsr-3925	16	4	-	-	PUNCT
fsr-3925	16	5	0810(01)00069	0810(01)00069	NUM
fsr-3925	16	6	-	-	SYM
fsr-3925	16	7	5	5	NUM
fsr-3925	16	8	1	1	NUM
fsr-3925	16	9	.	.	PUNCT
fsr-3925	17	1	introduction	introduction	NOUN
fsr-3925	17	2	the	the	DET
fsr-3925	17	3	convergence	convergence	NOUN
fsr-3925	17	4	of	of	ADP
fsr-3925	17	5	several	several	ADJ
fsr-3925	17	6	demographic	demographic	ADJ
fsr-3925	17	7	and	and	CCONJ
fsr-3925	17	8	economic	economic	ADJ
fsr-3925	17	9	trends	trend	NOUN
fsr-3925	17	10	have	have	AUX
fsr-3925	17	11	created	create	VERB
fsr-3925	17	12	great	great	ADJ
fsr-3925	17	13	interest	interest	NOUN
fsr-3925	17	14	among	among	ADP
fsr-3925	17	15	the	the	DET
fsr-3925	17	16	financial	financial	ADJ
fsr-3925	17	17	community	community	NOUN
fsr-3925	17	18	and	and	CCONJ
fsr-3925	17	19	the	the	DET
fsr-3925	17	20	general	general	ADJ
fsr-3925	17	21	population	population	NOUN
fsr-3925	17	22	alike	alike	ADV
fsr-3925	17	23	in	in	ADP
fsr-3925	17	24	planning	plan	VERB
fsr-3925	17	25	for	for	ADP
fsr-3925	17	26	that	that	DET
fsr-3925	17	27	period	period	NOUN
fsr-3925	17	28	of	of	ADP
fsr-3925	17	29	life	life	NOUN
fsr-3925	17	30	called	call	VERB
fsr-3925	17	31	retirement	retirement	NOUN
fsr-3925	17	32	.	.	PUNCT
fsr-3925	18	1	the	the	DET
fsr-3925	18	2	vast	vast	ADJ
fsr-3925	18	3	numbers	number	NOUN
fsr-3925	18	4	of	of	ADP
fsr-3925	18	5	aging	age	VERB
fsr-3925	18	6	baby	baby	NOUN
fsr-3925	18	7	boomers	boomer	NOUN
fsr-3925	18	8	and	and	CCONJ
fsr-3925	18	9	longer	long	ADJ
fsr-3925	18	10	retirement	retirement	NOUN
fsr-3925	18	11	periods	period	NOUN
fsr-3925	18	12	due	due	ADJ
fsr-3925	18	13	to	to	ADP
fsr-3925	18	14	increased	increase	VERB
fsr-3925	18	15	longevity	longevity	NOUN
fsr-3925	18	16	have	have	AUX
fsr-3925	18	17	raised	raise	VERB
fsr-3925	18	18	questions	question	NOUN
fsr-3925	18	19	about	about	ADP
fsr-3925	18	20	financial	financial	ADJ
fsr-3925	18	21	preparedness	preparedness	NOUN
fsr-3925	18	22	for	for	ADP
fsr-3925	18	23	retirement	retirement	NOUN
fsr-3925	18	24	and	and	CCONJ
fsr-3925	18	25	the	the	DET
fsr-3925	18	26	survival	survival	NOUN
fsr-3925	18	27	of	of	ADP
fsr-3925	18	28	the	the	DET
fsr-3925	18	29	social	social	ADJ
fsr-3925	18	30	security	security	NOUN
fsr-3925	18	31	system	system	NOUN
fsr-3925	18	32	.	.	PUNCT
fsr-3925	19	1	in	in	ADP
fsr-3925	19	2	addition	addition	NOUN
fsr-3925	19	3	,	,	PUNCT
fsr-3925	19	4	employment	employment	NOUN
fsr-3925	19	5	issues	issue	NOUN
fsr-3925	19	6	that	that	PRON
fsr-3925	19	7	affect	affect	VERB
fsr-3925	19	8	the	the	DET
fsr-3925	19	9	value	value	NOUN
fsr-3925	19	10	of	of	ADP
fsr-3925	19	11	retirement	retirement	NOUN
fsr-3925	19	12	plans	plan	NOUN
fsr-3925	19	13	such	such	ADJ
fsr-3925	19	14	as	as	ADP
fsr-3925	19	15	corporate	corporate	ADJ
fsr-3925	19	16	downsizing	downsizing	NOUN
fsr-3925	19	17	and	and	CCONJ
fsr-3925	19	18	the	the	DET
fsr-3925	19	19	growing	grow	VERB
fsr-3925	19	20	use	use	NOUN
fsr-3925	19	21	of	of	ADP
fsr-3925	19	22	defined	define	VERB
fsr-3925	19	23	contribution	contribution	NOUN
fsr-3925	19	24	plans	plan	NOUN
fsr-3925	19	25	rather	rather	ADV
fsr-3925	19	26	than	than	ADP
fsr-3925	19	27	defined	define	VERB
fsr-3925	19	28	benefit	benefit	NOUN
fsr-3925	19	29	plans	plan	NOUN
fsr-3925	19	30	(	(	PUNCT
fsr-3925	19	31	employee	employee	NOUN
fsr-3925	19	32	benefit	benefit	NOUN
fsr-3925	19	33	research	research	PROPN
fsr-3925	19	34	institute	institute	NOUN
fsr-3925	20	1	[	[	X
fsr-3925	20	2	ebri	ebri	NOUN
fsr-3925	20	3	]	]	X
fsr-3925	20	4	,	,	PUNCT
fsr-3925	20	5	2000a	2000a	NOUN
fsr-3925	20	6	)	)	PUNCT
fsr-3925	20	7	have	have	AUX
fsr-3925	20	8	increasingly	increasingly	ADV
fsr-3925	20	9	shifted	shift	VERB
fsr-3925	20	10	responsibility	responsibility	NOUN
fsr-3925	20	11	for	for	ADP
fsr-3925	20	12	financial	financial	ADJ
fsr-3925	20	13	well	well	NOUN
fsr-3925	20	14	-	-	PUNCT
fsr-3925	20	15	being	being	NOUN
fsr-3925	20	16	in	in	ADP
fsr-3925	20	17	retirement	retirement	NOUN
fsr-3925	20	18	from	from	ADP
fsr-3925	20	19	employers	employer	NOUN
fsr-3925	20	20	to	to	ADP
fsr-3925	20	21	individuals	individual	NOUN
fsr-3925	20	22	and	and	CCONJ
fsr-3925	20	23	families	family	NOUN
fsr-3925	20	24	.	.	PUNCT
fsr-3925	21	1	the	the	DET
fsr-3925	21	2	past	past	ADJ
fsr-3925	21	3	two	two	NUM
fsr-3925	21	4	decades	decade	NOUN
fsr-3925	21	5	have	have	AUX
fsr-3925	21	6	produced	produce	VERB
fsr-3925	21	7	a	a	DET
fsr-3925	21	8	tremendous	tremendous	ADJ
fsr-3925	21	9	proliferation	proliferation	NOUN
fsr-3925	21	10	of	of	ADP
fsr-3925	21	11	financial	financial	ADJ
fsr-3925	21	12	publications	publication	NOUN
fsr-3925	21	13	,	,	PUNCT
fsr-3925	21	14	programs	program	NOUN
fsr-3925	21	15	,	,	PUNCT
fsr-3925	21	16	software	software	NOUN
fsr-3925	21	17	/	/	SYM
fsr-3925	21	18	web	web	NOUN
fsr-3925	21	19	sites	site	NOUN
fsr-3925	21	20	,	,	PUNCT
fsr-3925	21	21	and	and	CCONJ
fsr-3925	21	22	advisors	advisor	NOUN
fsr-3925	21	23	eager	eager	ADJ
fsr-3925	21	24	to	to	PART
fsr-3925	21	25	provide	provide	VERB
fsr-3925	21	26	investors	investor	NOUN
fsr-3925	21	27	with	with	ADP
fsr-3925	21	28	financial	financial	ADJ
fsr-3925	21	29	information	information	NOUN
fsr-3925	21	30	and	and	CCONJ
fsr-3925	21	31	services	service	NOUN
fsr-3925	21	32	.	.	PUNCT
fsr-3925	22	1	retirement	retirement	NOUN
fsr-3925	22	2	planning	planning	NOUN
fsr-3925	22	3	has	have	AUX
fsr-3925	22	4	been	be	AUX
fsr-3925	22	5	a	a	DET
fsr-3925	22	6	key	key	ADJ
fsr-3925	22	7	area	area	NOUN
fsr-3925	22	8	of	of	ADP
fsr-3925	22	9	emphasis	emphasis	NOUN
fsr-3925	22	10	for	for	ADP
fsr-3925	22	11	the	the	DET
fsr-3925	22	12	relatively	relatively	ADV
fsr-3925	22	13	new	new	ADJ
fsr-3925	22	14	profession	profession	NOUN
fsr-3925	22	15	of	of	ADP
fsr-3925	22	16	financial	financial	ADJ
fsr-3925	22	17	planners	planner	NOUN
fsr-3925	22	18	.	.	PUNCT
fsr-3925	23	1	according	accord	VERB
fsr-3925	23	2	to	to	ADP
fsr-3925	23	3	the	the	DET
fsr-3925	23	4	certified	certify	VERB
fsr-3925	23	5	financial	financial	ADJ
fsr-3925	23	6	planner	planner	NOUN
fsr-3925	23	7	board	board	NOUN
fsr-3925	23	8	of	of	ADP
fsr-3925	23	9	standards	standard	NOUN
fsr-3925	23	10	(	(	PUNCT
fsr-3925	23	11	1999	1999	NUM
fsr-3925	23	12	)	)	PUNCT
fsr-3925	23	13	,	,	PUNCT
fsr-3925	23	14	85	85	NUM
fsr-3925	23	15	%	%	NOUN
fsr-3925	23	16	of	of	ADP
fsr-3925	23	17	those	those	DET
fsr-3925	23	18	people	people	NOUN
fsr-3925	23	19	who	who	PRON
fsr-3925	23	20	engage	engage	VERB
fsr-3925	23	21	the	the	DET
fsr-3925	23	22	services	service	NOUN
fsr-3925	23	23	of	of	ADP
fsr-3925	23	24	a	a	DET
fsr-3925	23	25	financial	financial	ADJ
fsr-3925	23	26	planner	planner	NOUN
fsr-3925	23	27	seek	seek	VERB
fsr-3925	23	28	professional	professional	ADJ
fsr-3925	23	29	assistance	assistance	NOUN
fsr-3925	23	30	because	because	SCONJ
fsr-3925	23	31	they	they	PRON
fsr-3925	23	32	want	want	VERB
fsr-3925	23	33	help	help	NOUN
fsr-3925	23	34	with	with	ADP
fsr-3925	23	35	retirement	retirement	NOUN
fsr-3925	23	36	planning	planning	NOUN
fsr-3925	23	37	.	.	PUNCT
fsr-3925	24	1	in	in	ADP
fsr-3925	24	2	addition	addition	NOUN
fsr-3925	24	3	,	,	PUNCT
fsr-3925	24	4	many	many	ADJ
fsr-3925	24	5	institutions	institution	NOUN
fsr-3925	24	6	of	of	ADP
fsr-3925	24	7	higher	high	ADJ
fsr-3925	24	8	education	education	NOUN
fsr-3925	24	9	are	be	AUX
fsr-3925	24	10	now	now	ADV
fsr-3925	24	11	offering	offer	VERB
fsr-3925	24	12	degree	degree	NOUN
fsr-3925	24	13	and	and	CCONJ
fsr-3925	24	14	certificate	certificate	NOUN
fsr-3925	24	15	programs	program	NOUN
fsr-3925	24	16	for	for	ADP
fsr-3925	24	17	students	student	NOUN
fsr-3925	24	18	interested	interested	ADJ
fsr-3925	24	19	in	in	ADP
fsr-3925	24	20	pursuing	pursue	VERB
fsr-3925	24	21	careers	career	NOUN
fsr-3925	24	22	in	in	ADP
fsr-3925	24	23	this	this	DET
fsr-3925	24	24	growing	grow	VERB
fsr-3925	24	25	field	field	NOUN
fsr-3925	24	26	.	.	PUNCT
fsr-3925	25	1	at	at	ADP
fsr-3925	25	2	the	the	DET
fsr-3925	25	3	end	end	NOUN
fsr-3925	25	4	of	of	ADP
fsr-3925	25	5	2000	2000	NUM
fsr-3925	25	6	,	,	PUNCT
fsr-3925	25	7	122	122	NUM
fsr-3925	25	8	colleges	college	NOUN
fsr-3925	25	9	and	and	CCONJ
fsr-3925	25	10	universities	university	NOUN
fsr-3925	25	11	offer	offer	VERB
fsr-3925	25	12	169	169	NUM
fsr-3925	25	13	programs	program	NOUN
fsr-3925	25	14	that	that	PRON
fsr-3925	25	15	are	be	AUX
fsr-3925	25	16	registered	register	VERB
fsr-3925	25	17	by	by	ADP
fsr-3925	25	18	the	the	DET
fsr-3925	25	19	cfp	cfp	PROPN
fsr-3925	25	20	board	board	PROPN
fsr-3925	25	21	,	,	PUNCT
fsr-3925	25	22	allowing	allow	VERB
fsr-3925	25	23	students	student	NOUN
fsr-3925	25	24	of	of	ADP
fsr-3925	25	25	these	these	DET
fsr-3925	25	26	programs	program	NOUN
fsr-3925	25	27	to	to	PART
fsr-3925	25	28	take	take	VERB
fsr-3925	25	29	the	the	DET
fsr-3925	25	30	cfp	cfp	NOUN
fsr-3925	25	31	™	™	PROPN
fsr-3925	25	32	certification	certification	NOUN
fsr-3925	25	33	exam	exam	NOUN
fsr-3925	25	34	that	that	PRON
fsr-3925	25	35	includes	include	VERB
fsr-3925	25	36	retirement	retirement	NOUN
fsr-3925	25	37	planning	planning	NOUN
fsr-3925	25	38	as	as	ADP
fsr-3925	25	39	one	one	NUM
fsr-3925	25	40	of	of	ADP
fsr-3925	25	41	the	the	DET
fsr-3925	25	42	major	major	ADJ
fsr-3925	25	43	topics	topic	NOUN
fsr-3925	25	44	(	(	PUNCT
fsr-3925	25	45	cfp	cfp	PROPN
fsr-3925	25	46	board	board	NOUN
fsr-3925	25	47	of	of	ADP
fsr-3925	25	48	standards	standard	NOUN
fsr-3925	25	49	,	,	PUNCT
fsr-3925	25	50	2000	2000	NUM
fsr-3925	25	51	)	)	PUNCT
fsr-3925	25	52	.	.	PUNCT
fsr-3925	26	1	starting	start	VERB
fsr-3925	26	2	with	with	ADP
fsr-3925	26	3	the	the	DET
fsr-3925	26	4	november	november	PROPN
fsr-3925	26	5	2001	2001	NUM
fsr-3925	26	6	exam	exam	NOUN
fsr-3925	26	7	,	,	PUNCT
fsr-3925	26	8	a	a	DET
fsr-3925	26	9	target	target	NOUN
fsr-3925	26	10	18	18	NUM
fsr-3925	26	11	%	%	NOUN
fsr-3925	26	12	of	of	ADP
fsr-3925	26	13	this	this	DET
fsr-3925	26	14	exam	exam	NOUN
fsr-3925	26	15	will	will	AUX
fsr-3925	26	16	test	test	VERB
fsr-3925	26	17	retirement	retirement	NOUN
fsr-3925	26	18	knowledge	knowledge	NOUN
fsr-3925	26	19	.	.	PUNCT
fsr-3925	27	1	other	other	ADJ
fsr-3925	27	2	universities	university	NOUN
fsr-3925	27	3	and	and	CCONJ
fsr-3925	27	4	programs	program	NOUN
fsr-3925	27	5	offer	offer	VERB
fsr-3925	27	6	studies	study	NOUN
fsr-3925	27	7	and	and	CCONJ
fsr-3925	27	8	certifications	certification	NOUN
fsr-3925	27	9	for	for	ADP
fsr-3925	27	10	financial	financial	ADJ
fsr-3925	27	11	planners	planner	NOUN
fsr-3925	27	12	and	and	CCONJ
fsr-3925	27	13	human	human	ADJ
fsr-3925	27	14	resource	resource	NOUN
fsr-3925	27	15	professionals	professional	NOUN
fsr-3925	27	16	that	that	PRON
fsr-3925	27	17	are	be	AUX
fsr-3925	27	18	focused	focus	VERB
fsr-3925	27	19	even	even	ADV
fsr-3925	27	20	more	more	ADV
fsr-3925	27	21	specifically	specifically	ADV
fsr-3925	27	22	on	on	ADP
fsr-3925	27	23	retirement	retirement	NOUN
fsr-3925	27	24	issues	issue	NOUN
fsr-3925	27	25	.	.	PUNCT
fsr-3925	28	1	the	the	DET
fsr-3925	28	2	importance	importance	NOUN
fsr-3925	28	3	of	of	ADP
fsr-3925	28	4	retirement	retirement	NOUN
fsr-3925	28	5	planning	planning	NOUN
fsr-3925	28	6	for	for	ADP
fsr-3925	28	7	the	the	DET
fsr-3925	28	8	well	well	ADV
fsr-3925	28	9	-	-	PUNCT
fsr-3925	28	10	being	being	NOUN
fsr-3925	28	11	of	of	ADP
fsr-3925	28	12	families	family	NOUN
fsr-3925	28	13	and	and	CCONJ
fsr-3925	28	14	individuals	individual	NOUN
fsr-3925	28	15	as	as	ADV
fsr-3925	28	16	well	well	ADV
fsr-3925	28	17	as	as	ADP
fsr-3925	28	18	for	for	ADP
fsr-3925	28	19	the	the	DET
fsr-3925	28	20	economy	economy	NOUN
fsr-3925	28	21	and	and	CCONJ
fsr-3925	28	22	society	society	NOUN
fsr-3925	28	23	,	,	PUNCT
fsr-3925	28	24	coupled	couple	VERB
fsr-3925	28	25	with	with	ADP
fsr-3925	28	26	the	the	DET
fsr-3925	28	27	growth	growth	NOUN
fsr-3925	28	28	of	of	ADP
fsr-3925	28	29	the	the	DET
fsr-3925	28	30	financial	financial	ADJ
fsr-3925	28	31	advisory	advisory	ADJ
fsr-3925	28	32	and	and	CCONJ
fsr-3925	28	33	educational	educational	ADJ
fsr-3925	28	34	establishment	establishment	NOUN
fsr-3925	28	35	,	,	PUNCT
fsr-3925	28	36	provide	provide	VERB
fsr-3925	28	37	fertile	fertile	ADJ
fsr-3925	28	38	research	research	NOUN
fsr-3925	28	39	questions	question	NOUN
fsr-3925	28	40	.	.	PUNCT
fsr-3925	29	1	interestingly	interestingly	ADV
fsr-3925	29	2	,	,	PUNCT
fsr-3925	29	3	numerous	numerous	ADJ
fsr-3925	29	4	studies	study	NOUN
fsr-3925	29	5	have	have	AUX
fsr-3925	29	6	looked	look	VERB
fsr-3925	29	7	at	at	ADP
fsr-3925	29	8	whether	whether	SCONJ
fsr-3925	29	9	or	or	CCONJ
fsr-3925	29	10	not	not	PART
fsr-3925	29	11	individuals	individual	NOUN
fsr-3925	29	12	are	be	AUX
fsr-3925	29	13	financially	financially	ADV
fsr-3925	29	14	prepared	prepare	VERB
fsr-3925	29	15	for	for	ADP
fsr-3925	29	16	retirement	retirement	NOUN
fsr-3925	29	17	,	,	PUNCT
fsr-3925	29	18	but	but	CCONJ
fsr-3925	29	19	the	the	DET
fsr-3925	29	20	financial	financial	ADJ
fsr-3925	29	21	community	community	NOUN
fsr-3925	29	22	has	have	AUX
fsr-3925	29	23	just	just	ADV
fsr-3925	29	24	started	start	VERB
fsr-3925	29	25	to	to	PART
fsr-3925	29	26	seriously	seriously	ADV
fsr-3925	29	27	question	question	VERB
fsr-3925	29	28	the	the	DET
fsr-3925	29	29	meaning	meaning	NOUN
fsr-3925	29	30	of	of	ADP
fsr-3925	29	31	the	the	DET
fsr-3925	29	32	term	term	NOUN
fsr-3925	29	33	“	"	PUNCT
fsr-3925	29	34	retirement	retirement	NOUN
fsr-3925	29	35	.	.	PUNCT
fsr-3925	29	36	”	"	PUNCT
fsr-3925	30	1	based	base	VERB
fsr-3925	30	2	on	on	ADP
fsr-3925	30	3	census	census	NOUN
fsr-3925	30	4	data	datum	NOUN
fsr-3925	30	5	,	,	PUNCT
fsr-3925	30	6	(	(	PUNCT
fsr-3925	30	7	hobbs	hobbs	PROPN
fsr-3925	30	8	&	&	CCONJ
fsr-3925	30	9	damon	damon	PROPN
fsr-3925	30	10	,	,	PUNCT
fsr-3925	30	11	1996	1996	NUM
fsr-3925	30	12	)	)	PUNCT
fsr-3925	30	13	,	,	PUNCT
fsr-3925	30	14	the	the	DET
fsr-3925	30	15	average	average	ADJ
fsr-3925	30	16	retirement	retirement	NOUN
fsr-3925	30	17	age	age	NOUN
fsr-3925	30	18	has	have	AUX
fsr-3925	30	19	dropped	drop	VERB
fsr-3925	30	20	from	from	ADP
fsr-3925	30	21	67	67	NUM
fsr-3925	30	22	to	to	ADP
fsr-3925	30	23	62	62	NUM
fsr-3925	30	24	over	over	ADP
fsr-3925	30	25	the	the	DET
fsr-3925	30	26	last	last	ADJ
fsr-3925	30	27	decade	decade	NOUN
fsr-3925	30	28	and	and	CCONJ
fsr-3925	30	29	could	could	AUX
fsr-3925	30	30	go	go	VERB
fsr-3925	30	31	as	as	ADV
fsr-3925	30	32	low	low	ADJ
fsr-3925	30	33	as	as	ADP
fsr-3925	30	34	age	age	NOUN
fsr-3925	30	35	60	60	NUM
fsr-3925	30	36	.	.	PUNCT
fsr-3925	31	1	but	but	CCONJ
fsr-3925	31	2	there	there	PRON
fsr-3925	31	3	is	be	VERB
fsr-3925	31	4	strong	strong	ADJ
fsr-3925	31	5	survey	survey	NOUN
fsr-3925	31	6	and	and	CCONJ
fsr-3925	31	7	antidotal	antidotal	ADJ
fsr-3925	31	8	evidence	evidence	NOUN
fsr-3925	31	9	that	that	SCONJ
fsr-3925	31	10	retirement	retirement	NOUN
fsr-3925	31	11	does	do	AUX
fsr-3925	31	12	not	not	PART
fsr-3925	31	13	equal	equal	VERB
fsr-3925	31	14	“	"	PUNCT
fsr-3925	31	15	quit	quit	VERB
fsr-3925	31	16	working	working	NOUN
fsr-3925	31	17	”	"	PUNCT
fsr-3925	31	18	for	for	ADP
fsr-3925	31	19	a	a	DET
fsr-3925	31	20	large	large	ADJ
fsr-3925	31	21	portion	portion	NOUN
fsr-3925	31	22	of	of	ADP
fsr-3925	31	23	the	the	DET
fsr-3925	31	24	population	population	NOUN
fsr-3925	31	25	(	(	PUNCT
fsr-3925	31	26	national	national	ADJ
fsr-3925	31	27	center	center	NOUN
fsr-3925	31	28	for	for	ADP
fsr-3925	31	29	women	woman	NOUN
fsr-3925	31	30	and	and	CCONJ
fsr-3925	31	31	retirement	retirement	NOUN
fsr-3925	31	32	research	research	NOUN
fsr-3925	31	33	,	,	PUNCT
fsr-3925	31	34	2000	2000	NUM
fsr-3925	31	35	)	)	PUNCT
fsr-3925	31	36	.	.	PUNCT
fsr-3925	32	1	gustman	gustman	PROPN
fsr-3925	32	2	,	,	PUNCT
fsr-3925	32	3	mitchell	mitchell	PROPN
fsr-3925	32	4	and	and	CCONJ
fsr-3925	32	5	steinmeier	steinmeier	PROPN
fsr-3925	32	6	(	(	PUNCT
fsr-3925	32	7	1995	1995	NUM
fsr-3925	32	8	)	)	PUNCT
fsr-3925	32	9	report	report	NOUN
fsr-3925	32	10	that	that	SCONJ
fsr-3925	32	11	there	there	PRON
fsr-3925	32	12	is	be	VERB
fsr-3925	32	13	no	no	DET
fsr-3925	32	14	consensus	consensus	NOUN
fsr-3925	32	15	in	in	ADP
fsr-3925	32	16	the	the	DET
fsr-3925	32	17	literature	literature	NOUN
fsr-3925	32	18	regarding	regard	VERB
fsr-3925	32	19	the	the	DET
fsr-3925	32	20	definition	definition	NOUN
fsr-3925	32	21	of	of	ADP
fsr-3925	32	22	retirement	retirement	NOUN
fsr-3925	32	23	.	.	PUNCT
fsr-3925	33	1	if	if	SCONJ
fsr-3925	33	2	we	we	PRON
fsr-3925	33	3	do	do	AUX
fsr-3925	33	4	not	not	PART
fsr-3925	33	5	understand	understand	VERB
fsr-3925	33	6	what	what	PRON
fsr-3925	33	7	retirement	retirement	NOUN
fsr-3925	33	8	means	mean	VERB
fsr-3925	33	9	to	to	ADP
fsr-3925	33	10	individuals	individual	NOUN
fsr-3925	33	11	,	,	PUNCT
fsr-3925	33	12	how	how	SCONJ
fsr-3925	33	13	can	can	AUX
fsr-3925	33	14	we	we	PRON
fsr-3925	33	15	judge	judge	VERB
fsr-3925	33	16	whether	whether	SCONJ
fsr-3925	33	17	the	the	DET
fsr-3925	33	18	population	population	NOUN
fsr-3925	33	19	is	be	AUX
fsr-3925	33	20	financially	financially	ADV
fsr-3925	33	21	prepared	prepare	VERB
fsr-3925	33	22	?	?	PUNCT
fsr-3925	34	1	this	this	DET
fsr-3925	34	2	one	one	NUM
fsr-3925	34	3	issue	issue	NOUN
fsr-3925	34	4	underscores	underscore	VERB
fsr-3925	34	5	the	the	DET
fsr-3925	34	6	importance	importance	NOUN
fsr-3925	34	7	of	of	ADP
fsr-3925	34	8	gathering	gather	VERB
fsr-3925	34	9	information	information	NOUN
fsr-3925	34	10	,	,	PUNCT
fsr-3925	34	11	both	both	DET
fsr-3925	34	12	qualitative	qualitative	ADJ
fsr-3925	34	13	information	information	NOUN
fsr-3925	34	14	such	such	ADJ
fsr-3925	34	15	as	as	ADP
fsr-3925	34	16	goals	goal	NOUN
fsr-3925	34	17	and	and	CCONJ
fsr-3925	34	18	risk	risk	NOUN
fsr-3925	34	19	tolerances	tolerance	NOUN
fsr-3925	34	20	and	and	CCONJ
fsr-3925	34	21	quantitative	quantitative	ADJ
fsr-3925	34	22	data	datum	NOUN
fsr-3925	34	23	,	,	PUNCT
fsr-3925	34	24	before	before	SCONJ
fsr-3925	34	25	completing	complete	VERB
fsr-3925	34	26	a	a	DET
fsr-3925	34	27	capital	capital	NOUN
fsr-3925	34	28	needs	need	VERB
fsr-3925	34	29	analysis	analysis	NOUN
fsr-3925	34	30	to	to	PART
fsr-3925	34	31	determine	determine	VERB
fsr-3925	34	32	what	what	PRON
fsr-3925	34	33	clients	client	NOUN
fsr-3925	34	34	need	need	VERB
fsr-3925	34	35	to	to	PART
fsr-3925	34	36	do	do	VERB
fsr-3925	34	37	in	in	ADP
fsr-3925	34	38	order	order	NOUN
fsr-3925	34	39	to	to	PART
fsr-3925	34	40	successfully	successfully	ADV
fsr-3925	34	41	meet	meet	VERB
fsr-3925	34	42	their	their	PRON
fsr-3925	34	43	retirement	retirement	NOUN
fsr-3925	34	44	goals	goal	NOUN
fsr-3925	34	45	.	.	PUNCT
fsr-3925	35	1	while	while	SCONJ
fsr-3925	35	2	there	there	PRON
fsr-3925	35	3	are	be	VERB
fsr-3925	35	4	various	various	ADJ
fsr-3925	35	5	methods	method	NOUN
fsr-3925	35	6	of	of	ADP
fsr-3925	35	7	computing	compute	VERB
fsr-3925	35	8	retirement	retirement	NOUN
fsr-3925	35	9	needs	need	NOUN
fsr-3925	35	10	for	for	ADP
fsr-3925	35	11	families	family	NOUN
fsr-3925	35	12	and	and	CCONJ
fsr-3925	35	13	individuals	individual	NOUN
fsr-3925	35	14	,	,	PUNCT
fsr-3925	35	15	these	these	DET
fsr-3925	35	16	models	model	NOUN
fsr-3925	35	17	are	be	AUX
fsr-3925	35	18	based	base	VERB
fsr-3925	35	19	on	on	ADP
fsr-3925	35	20	a	a	DET
fsr-3925	35	21	common	common	ADJ
fsr-3925	35	22	set	set	NOUN
fsr-3925	35	23	of	of	ADP
fsr-3925	35	24	assumptions	assumption	NOUN
fsr-3925	35	25	:	:	PUNCT
fsr-3925	35	26	232	232	NUM
fsr-3925	35	27	s.a	s.a	PROPN
fsr-3925	35	28	.	.	PROPN
fsr-3925	35	29	greninger	greninger	PROPN
fsr-3925	35	30	et	et	PROPN
fsr-3925	35	31	al	al	PROPN
fsr-3925	35	32	.	.	PUNCT
fsr-3925	35	33	/	/	SYM
fsr-3925	35	34	financial	financial	ADJ
fsr-3925	35	35	services	service	NOUN
fsr-3925	35	36	review	review	VERB
fsr-3925	35	37	9	9	NUM
fsr-3925	35	38	(	(	PUNCT
fsr-3925	35	39	2000	2000	NUM
fsr-3925	35	40	)	)	PUNCT
fsr-3925	36	1	231–245	231–245	NUM
fsr-3925	36	2	y	y	PROPN
fsr-3925	36	3	retirement	retirement	NOUN
fsr-3925	36	4	age	age	NOUN
fsr-3925	36	5	y	y	PROPN
fsr-3925	36	6	inflation	inflation	NOUN
fsr-3925	36	7	rate	rate	NOUN
fsr-3925	36	8	y	y	PROPN
fsr-3925	36	9	rate	rate	NOUN
fsr-3925	36	10	of	of	ADP
fsr-3925	36	11	return	return	NOUN
fsr-3925	36	12	on	on	ADP
fsr-3925	36	13	investments	investment	NOUN
fsr-3925	36	14	before	before	ADP
fsr-3925	36	15	and	and	CCONJ
fsr-3925	36	16	after	after	ADP
fsr-3925	36	17	retirement	retirement	NOUN
fsr-3925	36	18	y	y	PROPN
fsr-3925	36	19	tax	tax	NOUN
fsr-3925	36	20	bracket	bracket	NOUN
fsr-3925	36	21	before	before	ADV
fsr-3925	36	22	and	and	CCONJ
fsr-3925	36	23	after	after	ADP
fsr-3925	36	24	retirement	retirement	NOUN
fsr-3925	36	25	y	y	PROPN
fsr-3925	36	26	life	life	NOUN
fsr-3925	36	27	expectancy	expectancy	NOUN
fsr-3925	36	28	y	y	PROPN
fsr-3925	36	29	level	level	NOUN
fsr-3925	36	30	of	of	ADP
fsr-3925	36	31	annual	annual	ADJ
fsr-3925	36	32	expenditures	expenditure	NOUN
fsr-3925	36	33	required	require	VERB
fsr-3925	36	34	during	during	ADP
fsr-3925	36	35	retirement	retirement	NOUN
fsr-3925	36	36	these	these	DET
fsr-3925	36	37	assumptions	assumption	NOUN
fsr-3925	36	38	are	be	AUX
fsr-3925	36	39	incorporated	incorporate	VERB
fsr-3925	36	40	into	into	ADP
fsr-3925	36	41	models	model	NOUN
fsr-3925	36	42	used	use	VERB
fsr-3925	36	43	by	by	ADP
fsr-3925	36	44	financial	financial	ADJ
fsr-3925	36	45	planners	planner	NOUN
fsr-3925	36	46	,	,	PUNCT
fsr-3925	36	47	computer	computer	NOUN
fsr-3925	36	48	calculators	calculator	NOUN
fsr-3925	36	49	,	,	PUNCT
fsr-3925	36	50	and	and	CCONJ
fsr-3925	36	51	software	software	NOUN
fsr-3925	36	52	programs	program	NOUN
fsr-3925	36	53	to	to	PART
fsr-3925	36	54	assess	assess	VERB
fsr-3925	36	55	the	the	DET
fsr-3925	36	56	required	require	VERB
fsr-3925	36	57	savings	saving	NOUN
fsr-3925	36	58	needed	need	VERB
fsr-3925	36	59	to	to	PART
fsr-3925	36	60	meet	meet	VERB
fsr-3925	36	61	one	one	NUM
fsr-3925	36	62	’s	’s	PART
fsr-3925	36	63	retirement	retirement	NOUN
fsr-3925	36	64	goals	goal	NOUN
fsr-3925	36	65	.	.	PUNCT
fsr-3925	37	1	the	the	DET
fsr-3925	37	2	actual	actual	ADJ
fsr-3925	37	3	assumptions	assumption	NOUN
fsr-3925	37	4	made	make	VERB
fsr-3925	37	5	regarding	regard	VERB
fsr-3925	37	6	inflation	inflation	NOUN
fsr-3925	37	7	and	and	CCONJ
fsr-3925	37	8	investment	investment	NOUN
fsr-3925	37	9	rates	rate	NOUN
fsr-3925	37	10	,	,	PUNCT
fsr-3925	37	11	retirement	retirement	NOUN
fsr-3925	37	12	age	age	NOUN
fsr-3925	37	13	,	,	PUNCT
fsr-3925	37	14	longevity	longevity	NOUN
fsr-3925	37	15	,	,	PUNCT
fsr-3925	37	16	and	and	CCONJ
fsr-3925	37	17	the	the	DET
fsr-3925	37	18	cost	cost	NOUN
fsr-3925	37	19	of	of	ADP
fsr-3925	37	20	living	live	VERB
fsr-3925	37	21	during	during	ADP
fsr-3925	37	22	retirement	retirement	NOUN
fsr-3925	37	23	make	make	VERB
fsr-3925	37	24	a	a	DET
fsr-3925	37	25	very	very	ADV
fsr-3925	37	26	large	large	ADJ
fsr-3925	37	27	difference	difference	NOUN
fsr-3925	37	28	in	in	ADP
fsr-3925	37	29	determining	determine	VERB
fsr-3925	37	30	how	how	SCONJ
fsr-3925	37	31	much	much	ADJ
fsr-3925	37	32	must	must	AUX
fsr-3925	37	33	be	be	AUX
fsr-3925	37	34	saved	save	VERB
fsr-3925	37	35	to	to	PART
fsr-3925	37	36	meet	meet	VERB
fsr-3925	37	37	a	a	DET
fsr-3925	37	38	retirement	retirement	NOUN
fsr-3925	37	39	goal	goal	NOUN
fsr-3925	37	40	.	.	PUNCT
fsr-3925	38	1	for	for	ADP
fsr-3925	38	2	example	example	NOUN
fsr-3925	38	3	,	,	PUNCT
fsr-3925	38	4	an	an	DET
fsr-3925	38	5	individual	individual	NOUN
fsr-3925	38	6	whose	whose	DET
fsr-3925	38	7	projected	project	VERB
fsr-3925	38	8	retirement	retirement	NOUN
fsr-3925	38	9	needs	need	NOUN
fsr-3925	38	10	are	be	AUX
fsr-3925	38	11	$	$	SYM
fsr-3925	38	12	50,000	50,000	NUM
fsr-3925	38	13	annually	annually	ADV
fsr-3925	38	14	in	in	ADP
fsr-3925	38	15	today	today	NOUN
fsr-3925	38	16	’s	’s	PART
fsr-3925	38	17	dollars	dollar	NOUN
fsr-3925	38	18	will	will	AUX
fsr-3925	38	19	need	need	VERB
fsr-3925	38	20	to	to	PART
fsr-3925	38	21	save	save	VERB
fsr-3925	38	22	about	about	ADV
fsr-3925	38	23	$	$	SYM
fsr-3925	38	24	15,800	15,800	NUM
fsr-3925	38	25	annually	annually	ADV
fsr-3925	38	26	assuming	assume	VERB
fsr-3925	38	27	1	1	NUM
fsr-3925	38	28	)	)	PUNCT
fsr-3925	38	29	no	no	DET
fsr-3925	38	30	current	current	ADJ
fsr-3925	38	31	retirement	retirement	NOUN
fsr-3925	38	32	assets	asset	NOUN
fsr-3925	38	33	,	,	PUNCT
fsr-3925	38	34	2	2	X
fsr-3925	38	35	)	)	PUNCT
fsr-3925	38	36	30	30	NUM
fsr-3925	38	37	years	year	NOUN
fsr-3925	38	38	to	to	PART
fsr-3925	38	39	save	save	VERB
fsr-3925	38	40	until	until	ADP
fsr-3925	38	41	retirement	retirement	NOUN
fsr-3925	38	42	,	,	PUNCT
fsr-3925	38	43	3	3	NUM
fsr-3925	38	44	)	)	PUNCT
fsr-3925	38	45	20	20	NUM
fsr-3925	38	46	years	year	NOUN
fsr-3925	38	47	of	of	ADP
fsr-3925	38	48	retirement	retirement	NOUN
fsr-3925	38	49	,	,	PUNCT
fsr-3925	38	50	4	4	NUM
fsr-3925	38	51	)	)	PUNCT
fsr-3925	38	52	9	9	NUM
fsr-3925	38	53	%	%	NOUN
fsr-3925	38	54	return	return	NOUN
fsr-3925	38	55	on	on	ADP
fsr-3925	38	56	investments	investment	NOUN
fsr-3925	38	57	before	before	ADP
fsr-3925	38	58	and	and	CCONJ
fsr-3925	38	59	after	after	ADP
fsr-3925	38	60	retirement	retirement	NOUN
fsr-3925	38	61	,	,	PUNCT
fsr-3925	38	62	and	and	CCONJ
fsr-3925	38	63	5	5	X
fsr-3925	38	64	)	)	PUNCT
fsr-3925	38	65	4	4	NUM
fsr-3925	38	66	%	%	NOUN
fsr-3925	38	67	inflation	inflation	NOUN
fsr-3925	38	68	before	before	ADP
fsr-3925	38	69	and	and	CCONJ
fsr-3925	38	70	after	after	ADP
fsr-3925	38	71	retirement	retirement	NOUN
fsr-3925	38	72	.	.	PUNCT
fsr-3925	39	1	the	the	DET
fsr-3925	39	2	annual	annual	ADJ
fsr-3925	39	3	savings	saving	NOUN
fsr-3925	39	4	requirement	requirement	NOUN
fsr-3925	39	5	drops	drop	VERB
fsr-3925	39	6	about	about	ADP
fsr-3925	39	7	50	50	NUM
fsr-3925	39	8	%	%	NOUN
fsr-3925	39	9	to	to	ADP
fsr-3925	39	10	approximately	approximately	ADV
fsr-3925	39	11	$	$	SYM
fsr-3925	39	12	7,950	7,950	NUM
fsr-3925	39	13	by	by	ADP
fsr-3925	39	14	just	just	ADV
fsr-3925	39	15	raising	raise	VERB
fsr-3925	39	16	the	the	DET
fsr-3925	39	17	investment	investment	NOUN
fsr-3925	39	18	return	return	NOUN
fsr-3925	39	19	to	to	ADP
fsr-3925	39	20	10	10	NUM
fsr-3925	39	21	%	%	NOUN
fsr-3925	39	22	and	and	CCONJ
fsr-3925	39	23	dropping	drop	VERB
fsr-3925	39	24	the	the	DET
fsr-3925	39	25	inflation	inflation	NOUN
fsr-3925	39	26	rate	rate	NOUN
fsr-3925	39	27	to	to	ADP
fsr-3925	39	28	3	3	NUM
fsr-3925	39	29	%	%	NOUN
fsr-3925	39	30	.	.	PUNCT
fsr-3925	40	1	based	base	VERB
fsr-3925	40	2	on	on	ADP
fsr-3925	40	3	the	the	DET
fsr-3925	40	4	importance	importance	NOUN
fsr-3925	40	5	of	of	ADP
fsr-3925	40	6	these	these	DET
fsr-3925	40	7	assumptions	assumption	NOUN
fsr-3925	40	8	,	,	PUNCT
fsr-3925	40	9	this	this	DET
fsr-3925	40	10	research	research	NOUN
fsr-3925	40	11	asks	ask	VERB
fsr-3925	40	12	several	several	ADJ
fsr-3925	40	13	questions	question	NOUN
fsr-3925	40	14	previous	previous	ADJ
fsr-3925	40	15	studies	study	NOUN
fsr-3925	40	16	have	have	AUX
fsr-3925	40	17	not	not	PART
fsr-3925	40	18	addressed	address	VERB
fsr-3925	40	19	.	.	PUNCT
fsr-3925	41	1	are	be	AUX
fsr-3925	41	2	there	there	PRON
fsr-3925	41	3	basic	basic	ADJ
fsr-3925	41	4	retirement	retirement	NOUN
fsr-3925	41	5	planning	planning	NOUN
fsr-3925	41	6	guidelines	guideline	NOUN
fsr-3925	41	7	that	that	PRON
fsr-3925	41	8	financial	financial	ADJ
fsr-3925	41	9	planners	planner	NOUN
fsr-3925	41	10	and	and	CCONJ
fsr-3925	41	11	educators	educator	NOUN
fsr-3925	41	12	tend	tend	VERB
fsr-3925	41	13	to	to	PART
fsr-3925	41	14	recommend	recommend	VERB
fsr-3925	41	15	in	in	ADP
fsr-3925	41	16	their	their	PRON
fsr-3925	41	17	work	work	NOUN
fsr-3925	41	18	?	?	PUNCT
fsr-3925	42	1	how	how	SCONJ
fsr-3925	42	2	much	much	ADJ
fsr-3925	42	3	agreement	agreement	NOUN
fsr-3925	42	4	or	or	CCONJ
fsr-3925	42	5	consensus	consensus	NOUN
fsr-3925	42	6	exists	exist	VERB
fsr-3925	42	7	regarding	regard	VERB
fsr-3925	42	8	these	these	DET
fsr-3925	42	9	guidelines	guideline	NOUN
fsr-3925	42	10	?	?	PUNCT
fsr-3925	43	1	can	can	AUX
fsr-3925	43	2	a	a	DET
fsr-3925	43	3	consensus	consensus	NOUN
fsr-3925	43	4	be	be	AUX
fsr-3925	43	5	developed	develop	VERB
fsr-3925	43	6	by	by	ADP
fsr-3925	43	7	facilitating	facilitate	VERB
fsr-3925	43	8	communication	communication	NOUN
fsr-3925	43	9	between	between	ADP
fsr-3925	43	10	planners	planner	NOUN
fsr-3925	43	11	and	and	CCONJ
fsr-3925	43	12	educators	educator	NOUN
fsr-3925	43	13	?	?	PUNCT
fsr-3925	44	1	this	this	DET
fsr-3925	44	2	research	research	NOUN
fsr-3925	44	3	effort	effort	NOUN
fsr-3925	44	4	was	be	AUX
fsr-3925	44	5	embarked	embark	VERB
fsr-3925	44	6	upon	upon	SCONJ
fsr-3925	44	7	in	in	ADP
fsr-3925	44	8	an	an	DET
fsr-3925	44	9	effort	effort	NOUN
fsr-3925	44	10	to	to	PART
fsr-3925	44	11	find	find	VERB
fsr-3925	44	12	answers	answer	NOUN
fsr-3925	44	13	to	to	ADP
fsr-3925	44	14	these	these	DET
fsr-3925	44	15	questions	question	NOUN
fsr-3925	44	16	.	.	PUNCT
fsr-3925	45	1	2	2	X
fsr-3925	45	2	.	.	X
fsr-3925	45	3	review	review	NOUN
fsr-3925	45	4	of	of	ADP
fsr-3925	45	5	the	the	DET
fsr-3925	45	6	literature	literature	NOUN
fsr-3925	45	7	there	there	PRON
fsr-3925	45	8	is	be	VERB
fsr-3925	45	9	much	much	ADJ
fsr-3925	45	10	research	research	NOUN
fsr-3925	45	11	interest	interest	NOUN
fsr-3925	45	12	in	in	ADP
fsr-3925	45	13	how	how	SCONJ
fsr-3925	45	14	well	well	ADV
fsr-3925	45	15	americans	americans	PROPN
fsr-3925	45	16	are	be	AUX
fsr-3925	45	17	preparing	prepare	VERB
fsr-3925	45	18	for	for	ADP
fsr-3925	45	19	the	the	DET
fsr-3925	45	20	future	future	NOUN
fsr-3925	45	21	.	.	PUNCT
fsr-3925	46	1	for	for	ADP
fsr-3925	46	2	example	example	NOUN
fsr-3925	46	3	,	,	PUNCT
fsr-3925	46	4	a	a	DET
fsr-3925	46	5	retirement	retirement	NOUN
fsr-3925	46	6	confidence	confidence	NOUN
fsr-3925	46	7	survey	survey	NOUN
fsr-3925	46	8	(	(	PUNCT
fsr-3925	46	9	rcs	rcs	NOUN
fsr-3925	46	10	)	)	PUNCT
fsr-3925	46	11	designed	design	VERB
fsr-3925	46	12	to	to	PART
fsr-3925	46	13	monitor	monitor	VERB
fsr-3925	46	14	savings	saving	NOUN
fsr-3925	46	15	,	,	PUNCT
fsr-3925	46	16	investing	investing	NOUN
fsr-3925	46	17	,	,	PUNCT
fsr-3925	46	18	and	and	CCONJ
fsr-3925	46	19	planning	planning	NOUN
fsr-3925	46	20	behaviors	behavior	NOUN
fsr-3925	46	21	and	and	CCONJ
fsr-3925	46	22	attitudes	attitude	NOUN
fsr-3925	46	23	among	among	ADP
fsr-3925	46	24	a	a	DET
fsr-3925	46	25	representative	representative	ADJ
fsr-3925	46	26	sample	sample	NOUN
fsr-3925	46	27	of	of	ADP
fsr-3925	46	28	u.s	u.s	PROPN
fsr-3925	46	29	.	.	PROPN
fsr-3925	46	30	workers	worker	NOUN
fsr-3925	46	31	has	have	AUX
fsr-3925	46	32	been	be	AUX
fsr-3925	46	33	conducted	conduct	VERB
fsr-3925	46	34	annually	annually	ADV
fsr-3925	46	35	during	during	ADP
fsr-3925	46	36	the	the	DET
fsr-3925	46	37	last	last	ADJ
fsr-3925	46	38	ten	ten	NUM
fsr-3925	46	39	years	year	NOUN
fsr-3925	46	40	.	.	PUNCT
fsr-3925	47	1	even	even	ADV
fsr-3925	47	2	with	with	ADP
fsr-3925	47	3	the	the	DET
fsr-3925	47	4	robust	robust	ADJ
fsr-3925	47	5	economy	economy	NOUN
fsr-3925	47	6	the	the	DET
fsr-3925	47	7	past	past	ADJ
fsr-3925	47	8	few	few	ADJ
fsr-3925	47	9	years	year	NOUN
fsr-3925	47	10	,	,	PUNCT
fsr-3925	47	11	the	the	DET
fsr-3925	47	12	2000	2000	NUM
fsr-3925	47	13	rcs	rcs	NOUN
fsr-3925	47	14	reported	report	VERB
fsr-3925	47	15	that	that	SCONJ
fsr-3925	47	16	retirement	retirement	NOUN
fsr-3925	47	17	confidence	confidence	NOUN
fsr-3925	47	18	in	in	ADP
fsr-3925	47	19	the	the	DET
fsr-3925	47	20	u.s	u.s	PROPN
fsr-3925	47	21	.	.	PROPN
fsr-3925	47	22	had	have	AUX
fsr-3925	47	23	remained	remain	VERB
fsr-3925	47	24	virtually	virtually	ADV
fsr-3925	47	25	unchanged	unchanged	ADJ
fsr-3925	47	26	.	.	PUNCT
fsr-3925	48	1	although	although	SCONJ
fsr-3925	48	2	26	26	NUM
fsr-3925	48	3	%	%	NOUN
fsr-3925	48	4	of	of	ADP
fsr-3925	48	5	the	the	DET
fsr-3925	48	6	workers	worker	NOUN
fsr-3925	48	7	were	be	AUX
fsr-3925	48	8	very	very	ADV
fsr-3925	48	9	confident	confident	ADJ
fsr-3925	48	10	and	and	CCONJ
fsr-3925	48	11	47	47	NUM
fsr-3925	48	12	%	%	NOUN
fsr-3925	48	13	were	be	AUX
fsr-3925	48	14	somewhat	somewhat	ADV
fsr-3925	48	15	confident	confident	ADJ
fsr-3925	48	16	about	about	ADP
fsr-3925	48	17	having	have	VERB
fsr-3925	48	18	adequate	adequate	ADJ
fsr-3925	48	19	resources	resource	NOUN
fsr-3925	48	20	to	to	PART
fsr-3925	48	21	live	live	VERB
fsr-3925	48	22	comfortably	comfortably	ADV
fsr-3925	48	23	in	in	ADP
fsr-3925	48	24	retirement	retirement	NOUN
fsr-3925	48	25	,	,	PUNCT
fsr-3925	48	26	the	the	DET
fsr-3925	48	27	rcs	rcs	PROPN
fsr-3925	48	28	researchers	researcher	NOUN
fsr-3925	48	29	feared	fear	VERB
fsr-3925	48	30	that	that	SCONJ
fsr-3925	48	31	some	some	PRON
fsr-3925	48	32	of	of	ADP
fsr-3925	48	33	this	this	DET
fsr-3925	48	34	confidence	confidence	NOUN
fsr-3925	48	35	might	might	AUX
fsr-3925	48	36	be	be	AUX
fsr-3925	48	37	overstated	overstate	VERB
fsr-3925	48	38	or	or	CCONJ
fsr-3925	48	39	based	base	VERB
fsr-3925	48	40	on	on	ADP
fsr-3925	48	41	false	false	ADJ
fsr-3925	48	42	hopes	hope	NOUN
fsr-3925	48	43	given	give	VERB
fsr-3925	48	44	some	some	PRON
fsr-3925	48	45	of	of	ADP
fsr-3925	48	46	their	their	PRON
fsr-3925	48	47	other	other	ADJ
fsr-3925	48	48	research	research	NOUN
fsr-3925	48	49	findings	finding	NOUN
fsr-3925	48	50	.	.	PUNCT
fsr-3925	49	1	the	the	DET
fsr-3925	49	2	majority	majority	NOUN
fsr-3925	49	3	of	of	ADP
fsr-3925	49	4	respondents	respondent	NOUN
fsr-3925	49	5	able	able	ADJ
fsr-3925	49	6	to	to	PART
fsr-3925	49	7	provide	provide	VERB
fsr-3925	49	8	a	a	DET
fsr-3925	49	9	number	number	NOUN
fsr-3925	49	10	reported	report	VERB
fsr-3925	49	11	having	have	VERB
fsr-3925	49	12	less	less	ADJ
fsr-3925	49	13	than	than	ADP
fsr-3925	49	14	$	$	SYM
fsr-3925	49	15	50,000	50,000	NUM
fsr-3925	49	16	accumulated	accumulate	VERB
fsr-3925	49	17	for	for	ADP
fsr-3925	49	18	retirement	retirement	NOUN
fsr-3925	49	19	with	with	ADP
fsr-3925	49	20	almost	almost	ADV
fsr-3925	49	21	one	one	NUM
fsr-3925	49	22	-	-	PUNCT
fsr-3925	49	23	fourth	fourth	NOUN
fsr-3925	49	24	having	have	VERB
fsr-3925	49	25	less	less	ADJ
fsr-3925	49	26	than	than	ADP
fsr-3925	49	27	$	$	SYM
fsr-3925	49	28	10,000	10,000	NUM
fsr-3925	49	29	,	,	PUNCT
fsr-3925	49	30	and	and	CCONJ
fsr-3925	49	31	only	only	ADV
fsr-3925	49	32	16	16	NUM
fsr-3925	49	33	%	%	NOUN
fsr-3925	49	34	reported	report	VERB
fsr-3925	49	35	having	have	VERB
fsr-3925	49	36	$	$	SYM
fsr-3925	49	37	100,000	100,000	NUM
fsr-3925	49	38	or	or	CCONJ
fsr-3925	49	39	more	more	ADV
fsr-3925	49	40	accumulated	accumulate	VERB
fsr-3925	49	41	in	in	ADP
fsr-3925	49	42	total	total	ADJ
fsr-3925	49	43	retirement	retirement	NOUN
fsr-3925	49	44	funds	fund	NOUN
fsr-3925	49	45	.	.	PUNCT
fsr-3925	50	1	results	result	NOUN
fsr-3925	50	2	using	use	VERB
fsr-3925	50	3	the	the	DET
fsr-3925	50	4	survey	survey	NOUN
fsr-3925	50	5	’s	’s	PART
fsr-3925	50	6	retirement	retirement	NOUN
fsr-3925	50	7	readiness	readiness	NOUN
fsr-3925	50	8	rating	rating	NOUN
fsr-3925	50	9	instrument	instrument	NOUN
fsr-3925	50	10	indicated	indicate	VERB
fsr-3925	50	11	that	that	SCONJ
fsr-3925	50	12	approximately	approximately	ADV
fsr-3925	50	13	30	30	NUM
fsr-3925	50	14	%	%	NOUN
fsr-3925	50	15	of	of	ADP
fsr-3925	50	16	the	the	DET
fsr-3925	50	17	respondents	respondent	NOUN
fsr-3925	50	18	scored	score	VERB
fsr-3925	50	19	in	in	ADP
fsr-3925	50	20	the	the	DET
fsr-3925	50	21	poor	poor	ADJ
fsr-3925	50	22	or	or	CCONJ
fsr-3925	50	23	very	very	ADV
fsr-3925	50	24	poor	poor	ADJ
fsr-3925	50	25	ranges	range	NOUN
fsr-3925	50	26	with	with	ADP
fsr-3925	50	27	regard	regard	NOUN
fsr-3925	50	28	to	to	ADP
fsr-3925	50	29	preparedness	preparedness	NOUN
fsr-3925	50	30	(	(	PUNCT
fsr-3925	50	31	employee	employee	NOUN
fsr-3925	50	32	benefit	benefit	PROPN
fsr-3925	50	33	research	research	PROPN
fsr-3925	50	34	institute	institute	NOUN
fsr-3925	50	35	,	,	PUNCT
fsr-3925	50	36	2000b	2000b	NUM
fsr-3925	50	37	)	)	PUNCT
fsr-3925	50	38	.	.	PUNCT
fsr-3925	51	1	other	other	ADJ
fsr-3925	51	2	research	research	NOUN
fsr-3925	51	3	has	have	AUX
fsr-3925	51	4	documented	document	VERB
fsr-3925	51	5	similar	similar	ADJ
fsr-3925	51	6	negative	negative	ADJ
fsr-3925	51	7	results	result	NOUN
fsr-3925	51	8	regarding	regard	VERB
fsr-3925	51	9	retirement	retirement	NOUN
fsr-3925	51	10	preparation	preparation	NOUN
fsr-3925	51	11	,	,	PUNCT
fsr-3925	51	12	especially	especially	ADV
fsr-3925	51	13	among	among	ADP
fsr-3925	51	14	members	member	NOUN
fsr-3925	51	15	of	of	ADP
fsr-3925	51	16	the	the	DET
fsr-3925	51	17	baby	baby	NOUN
fsr-3925	51	18	-	-	PUNCT
fsr-3925	51	19	boom	boom	NOUN
fsr-3925	51	20	generation	generation	NOUN
fsr-3925	51	21	.	.	PUNCT
fsr-3925	52	1	an	an	DET
fsr-3925	52	2	econometric	econometric	ADJ
fsr-3925	52	3	model	model	NOUN
fsr-3925	52	4	using	use	VERB
fsr-3925	52	5	accumulations	accumulation	NOUN
fsr-3925	52	6	and	and	CCONJ
fsr-3925	52	7	allocations	allocation	NOUN
fsr-3925	52	8	constructed	construct	VERB
fsr-3925	52	9	by	by	ADP
fsr-3925	52	10	kotlikoff	kotlikoff	NOUN
fsr-3925	52	11	and	and	CCONJ
fsr-3925	52	12	auerbach	auerbach	PROPN
fsr-3925	52	13	(	(	PUNCT
fsr-3925	52	14	1994	1994	NUM
fsr-3925	52	15	)	)	PUNCT
fsr-3925	52	16	projected	project	VERB
fsr-3925	52	17	that	that	SCONJ
fsr-3925	52	18	233s.a	233s.a	NUM
fsr-3925	52	19	.	.	PUNCT
fsr-3925	52	20	greninger	greninger	NOUN
fsr-3925	52	21	et	et	PROPN
fsr-3925	52	22	al	al	PROPN
fsr-3925	52	23	.	.	PUNCT
fsr-3925	52	24	/	/	SYM
fsr-3925	52	25	financial	financial	ADJ
fsr-3925	52	26	services	service	NOUN
fsr-3925	52	27	review	review	VERB
fsr-3925	52	28	9	9	NUM
fsr-3925	52	29	(	(	PUNCT
fsr-3925	52	30	2000	2000	NUM
fsr-3925	52	31	)	)	PUNCT
fsr-3925	52	32	231–245	231–245	NUM
fsr-3925	52	33	baby	baby	NOUN
fsr-3925	52	34	boomers	boomer	NOUN
fsr-3925	52	35	were	be	AUX
fsr-3925	52	36	not	not	PART
fsr-3925	52	37	saving	save	VERB
fsr-3925	52	38	at	at	ADP
fsr-3925	52	39	a	a	DET
fsr-3925	52	40	rate	rate	NOUN
fsr-3925	52	41	that	that	PRON
fsr-3925	52	42	would	would	AUX
fsr-3925	52	43	allow	allow	VERB
fsr-3925	52	44	them	they	PRON
fsr-3925	52	45	to	to	PART
fsr-3925	52	46	maintain	maintain	VERB
fsr-3925	52	47	their	their	PRON
fsr-3925	52	48	preretirement	preretirement	ADJ
fsr-3925	52	49	level	level	NOUN
fsr-3925	52	50	of	of	ADP
fsr-3925	52	51	consumption	consumption	NOUN
fsr-3925	52	52	after	after	ADP
fsr-3925	52	53	retiring	retire	VERB
fsr-3925	52	54	,	,	PUNCT
fsr-3925	52	55	concluding	conclude	VERB
fsr-3925	52	56	that	that	SCONJ
fsr-3925	52	57	the	the	DET
fsr-3925	52	58	baby	baby	NOUN
fsr-3925	52	59	boomers	boomer	NOUN
fsr-3925	52	60	’	'	PUNCT
fsr-3925	52	61	financial	financial	ADJ
fsr-3925	52	62	preparation	preparation	NOUN
fsr-3925	52	63	was	be	AUX
fsr-3925	52	64	poor	poor	ADJ
fsr-3925	52	65	.	.	PUNCT
fsr-3925	53	1	mitchell	mitchell	PROPN
fsr-3925	53	2	and	and	CCONJ
fsr-3925	53	3	moore	moore	PROPN
fsr-3925	53	4	(	(	PUNCT
fsr-3925	53	5	1998	1998	NUM
fsr-3925	53	6	)	)	PUNCT
fsr-3925	53	7	reported	report	VERB
fsr-3925	53	8	that	that	SCONJ
fsr-3925	53	9	the	the	DET
fsr-3925	53	10	median	median	NOUN
fsr-3925	53	11	married	marry	VERB
fsr-3925	53	12	couple	couple	NOUN
fsr-3925	53	13	at	at	ADP
fsr-3925	53	14	age	age	NOUN
fsr-3925	53	15	55	55	NUM
fsr-3925	53	16	owned	own	VERB
fsr-3925	53	17	financial	financial	ADJ
fsr-3925	53	18	assets	asset	NOUN
fsr-3925	53	19	,	,	PUNCT
fsr-3925	53	20	excluding	exclude	VERB
fsr-3925	53	21	their	their	PRON
fsr-3925	53	22	pension	pension	NOUN
fsr-3925	53	23	plan	plan	NOUN
fsr-3925	53	24	,	,	PUNCT
fsr-3925	53	25	of	of	ADP
fsr-3925	53	26	only	only	ADV
fsr-3925	53	27	$	$	SYM
fsr-3925	53	28	73,000	73,000	NUM
fsr-3925	53	29	and	and	CCONJ
fsr-3925	53	30	that	that	SCONJ
fsr-3925	53	31	this	this	DET
fsr-3925	53	32	level	level	NOUN
fsr-3925	53	33	of	of	ADP
fsr-3925	53	34	savings	saving	NOUN
fsr-3925	53	35	was	be	AUX
fsr-3925	53	36	insufficient	insufficient	ADJ
fsr-3925	53	37	to	to	PART
fsr-3925	53	38	fund	fund	VERB
fsr-3925	53	39	20	20	NUM
fsr-3925	53	40	years	year	NOUN
fsr-3925	53	41	or	or	CCONJ
fsr-3925	53	42	more	more	ADJ
fsr-3925	53	43	of	of	ADP
fsr-3925	53	44	retirement	retirement	NOUN
fsr-3925	53	45	expenses	expense	NOUN
fsr-3925	53	46	at	at	ADP
fsr-3925	53	47	preretirement	preretirement	ADJ
fsr-3925	53	48	living	living	NOUN
fsr-3925	53	49	standards	standard	NOUN
fsr-3925	53	50	.	.	PUNCT
fsr-3925	54	1	concern	concern	NOUN
fsr-3925	54	2	over	over	ADP
fsr-3925	54	3	the	the	DET
fsr-3925	54	4	lack	lack	NOUN
fsr-3925	54	5	of	of	ADP
fsr-3925	54	6	participation	participation	NOUN
fsr-3925	54	7	in	in	ADP
fsr-3925	54	8	401(k	401(k	PROPN
fsr-3925	54	9	)	)	PUNCT
fsr-3925	54	10	plans	plan	NOUN
fsr-3925	54	11	was	be	AUX
fsr-3925	54	12	noted	note	VERB
fsr-3925	54	13	by	by	ADP
fsr-3925	54	14	bassett	bassett	PROPN
fsr-3925	54	15	,	,	PUNCT
fsr-3925	54	16	fleming	fleming	NOUN
fsr-3925	54	17	,	,	PUNCT
fsr-3925	54	18	and	and	CCONJ
fsr-3925	54	19	rodrigues	rodrigues	PROPN
fsr-3925	54	20	(	(	PUNCT
fsr-3925	54	21	1998	1998	NUM
fsr-3925	54	22	)	)	PUNCT
fsr-3925	54	23	who	who	PRON
fsr-3925	54	24	reported	report	VERB
fsr-3925	54	25	that	that	SCONJ
fsr-3925	54	26	over	over	ADP
fsr-3925	54	27	one	one	NUM
fsr-3925	54	28	-	-	PUNCT
fsr-3925	54	29	third	third	NOUN
fsr-3925	54	30	of	of	ADP
fsr-3925	54	31	employees	employee	NOUN
fsr-3925	54	32	eligible	eligible	ADJ
fsr-3925	54	33	to	to	PART
fsr-3925	54	34	participate	participate	VERB
fsr-3925	54	35	declined	decline	VERB
fsr-3925	54	36	to	to	PART
fsr-3925	54	37	do	do	VERB
fsr-3925	54	38	so	so	ADV
fsr-3925	54	39	.	.	PUNCT
fsr-3925	55	1	not	not	PART
fsr-3925	55	2	all	all	DET
fsr-3925	55	3	research	research	NOUN
fsr-3925	55	4	has	have	AUX
fsr-3925	55	5	reached	reach	VERB
fsr-3925	55	6	such	such	ADJ
fsr-3925	55	7	negative	negative	ADJ
fsr-3925	55	8	conclusions	conclusion	NOUN
fsr-3925	55	9	.	.	PUNCT
fsr-3925	56	1	studies	study	NOUN
fsr-3925	56	2	by	by	ADP
fsr-3925	56	3	easterlin	easterlin	PROPN
fsr-3925	56	4	,	,	PUNCT
fsr-3925	56	5	schaeffer	schaeffer	PROPN
fsr-3925	56	6	and	and	CCONJ
fsr-3925	56	7	macunovich	macunovich	PROPN
fsr-3925	56	8	(	(	PUNCT
fsr-3925	56	9	1993	1993	NUM
fsr-3925	56	10	)	)	PUNCT
fsr-3925	56	11	and	and	CCONJ
fsr-3925	56	12	the	the	DET
fsr-3925	56	13	congressional	congressional	ADJ
fsr-3925	56	14	budget	budget	NOUN
fsr-3925	56	15	office	office	NOUN
fsr-3925	56	16	(	(	PUNCT
fsr-3925	56	17	1993	1993	NUM
fsr-3925	56	18	)	)	PUNCT
fsr-3925	56	19	concluded	conclude	VERB
fsr-3925	56	20	that	that	SCONJ
fsr-3925	56	21	baby	baby	NOUN
fsr-3925	56	22	boomers	boomer	NOUN
fsr-3925	56	23	would	would	AUX
fsr-3925	56	24	generally	generally	ADV
fsr-3925	56	25	be	be	AUX
fsr-3925	56	26	better	well	ADJ
fsr-3925	56	27	off	off	ADP
fsr-3925	56	28	in	in	ADP
fsr-3925	56	29	retirement	retirement	NOUN
fsr-3925	56	30	than	than	ADP
fsr-3925	56	31	their	their	PRON
fsr-3925	56	32	parents	parent	NOUN
fsr-3925	56	33	,	,	PUNCT
fsr-3925	56	34	and	and	CCONJ
fsr-3925	56	35	the	the	DET
fsr-3925	56	36	american	american	PROPN
fsr-3925	56	37	association	association	PROPN
fsr-3925	56	38	of	of	ADP
fsr-3925	56	39	retired	retire	VERB
fsr-3925	56	40	persons	person	NOUN
fsr-3925	56	41	(	(	PUNCT
fsr-3925	56	42	1994	1994	NUM
fsr-3925	56	43	)	)	PUNCT
fsr-3925	56	44	concluded	conclude	VERB
fsr-3925	56	45	that	that	SCONJ
fsr-3925	56	46	baby	baby	NOUN
fsr-3925	56	47	boomers	boomer	NOUN
fsr-3925	56	48	would	would	AUX
fsr-3925	56	49	be	be	AUX
fsr-3925	56	50	better	well	ADJ
fsr-3925	56	51	off	off	ADP
fsr-3925	56	52	in	in	ADP
fsr-3925	56	53	retirement	retirement	NOUN
fsr-3925	56	54	than	than	SCONJ
fsr-3925	56	55	the	the	DET
fsr-3925	56	56	elderly	elderly	ADJ
fsr-3925	56	57	had	have	AUX
fsr-3925	56	58	been	be	AUX
fsr-3925	56	59	in	in	ADP
fsr-3925	56	60	1990	1990	NUM
fsr-3925	56	61	.	.	PUNCT
fsr-3925	57	1	each	each	PRON
fsr-3925	57	2	of	of	ADP
fsr-3925	57	3	these	these	DET
fsr-3925	57	4	studies	study	NOUN
fsr-3925	57	5	cautioned	caution	VERB
fsr-3925	57	6	that	that	SCONJ
fsr-3925	57	7	there	there	PRON
fsr-3925	57	8	would	would	AUX
fsr-3925	57	9	be	be	AUX
fsr-3925	57	10	unevenness	unevenness	NOUN
fsr-3925	57	11	in	in	ADP
fsr-3925	57	12	the	the	DET
fsr-3925	57	13	financial	financial	ADJ
fsr-3925	57	14	well	well	NOUN
fsr-3925	57	15	-	-	PUNCT
fsr-3925	57	16	being	being	NOUN
fsr-3925	57	17	of	of	ADP
fsr-3925	57	18	baby	baby	NOUN
fsr-3925	57	19	boomers	boomer	NOUN
fsr-3925	57	20	during	during	ADP
fsr-3925	57	21	retirement	retirement	NOUN
fsr-3925	57	22	with	with	ADP
fsr-3925	57	23	certain	certain	ADJ
fsr-3925	57	24	subgroups	subgroup	NOUN
fsr-3925	57	25	being	be	AUX
fsr-3925	57	26	less	less	ADV
fsr-3925	57	27	well	well	ADV
fsr-3925	57	28	off	off	ADV
fsr-3925	57	29	than	than	ADP
fsr-3925	57	30	current	current	ADJ
fsr-3925	57	31	retirees	retiree	NOUN
fsr-3925	57	32	or	or	CCONJ
fsr-3925	57	33	their	their	PRON
fsr-3925	57	34	parents	parent	NOUN
fsr-3925	57	35	.	.	PUNCT
fsr-3925	58	1	in	in	ADP
fsr-3925	58	2	studies	study	NOUN
fsr-3925	58	3	more	more	ADV
fsr-3925	58	4	related	relate	VERB
fsr-3925	58	5	to	to	ADP
fsr-3925	58	6	the	the	DET
fsr-3925	58	7	assumptions	assumption	NOUN
fsr-3925	58	8	used	use	VERB
fsr-3925	58	9	in	in	ADP
fsr-3925	58	10	the	the	DET
fsr-3925	58	11	capital	capital	NOUN
fsr-3925	58	12	needs	need	VERB
fsr-3925	58	13	analysis	analysis	NOUN
fsr-3925	58	14	,	,	PUNCT
fsr-3925	58	15	researchers	researcher	NOUN
fsr-3925	58	16	including	include	VERB
fsr-3925	58	17	england	england	PROPN
fsr-3925	58	18	(	(	PUNCT
fsr-3925	58	19	1988	1988	NUM
fsr-3925	58	20	)	)	PUNCT
fsr-3925	58	21	,	,	PUNCT
fsr-3925	58	22	palmer	palmer	PROPN
fsr-3925	58	23	(	(	PUNCT
fsr-3925	58	24	1994	1994	NUM
fsr-3925	58	25	)	)	PUNCT
fsr-3925	58	26	,	,	PUNCT
fsr-3925	58	27	and	and	CCONJ
fsr-3925	58	28	mcgill	mcgill	PROPN
fsr-3925	58	29	,	,	PUNCT
fsr-3925	58	30	brown	brown	PROPN
fsr-3925	58	31	,	,	PUNCT
fsr-3925	58	32	haley	haley	NOUN
fsr-3925	58	33	,	,	PUNCT
fsr-3925	58	34	and	and	CCONJ
fsr-3925	58	35	schieber	schieber	NOUN
fsr-3925	58	36	(	(	PUNCT
fsr-3925	58	37	1996	1996	NUM
fsr-3925	58	38	)	)	PUNCT
fsr-3925	58	39	have	have	AUX
fsr-3925	58	40	focused	focus	VERB
fsr-3925	58	41	on	on	ADP
fsr-3925	58	42	replacement	replacement	NOUN
fsr-3925	58	43	rates	rate	NOUN
fsr-3925	58	44	or	or	CCONJ
fsr-3925	58	45	the	the	DET
fsr-3925	58	46	ratio	ratio	NOUN
fsr-3925	58	47	of	of	ADP
fsr-3925	58	48	income	income	NOUN
fsr-3925	58	49	required	require	VERB
fsr-3925	58	50	to	to	PART
fsr-3925	58	51	provide	provide	VERB
fsr-3925	58	52	retirement	retirement	NOUN
fsr-3925	58	53	living	living	NOUN
fsr-3925	58	54	expenses	expense	NOUN
fsr-3925	58	55	divided	divide	VERB
fsr-3925	58	56	by	by	ADP
fsr-3925	58	57	preretirement	preretirement	ADJ
fsr-3925	58	58	income	income	NOUN
fsr-3925	58	59	.	.	PUNCT
fsr-3925	59	1	rates	rate	NOUN
fsr-3925	59	2	vary	vary	VERB
fsr-3925	59	3	depending	depend	VERB
fsr-3925	59	4	on	on	ADP
fsr-3925	59	5	the	the	DET
fsr-3925	59	6	components	component	NOUN
fsr-3925	59	7	and	and	CCONJ
fsr-3925	59	8	sophistication	sophistication	NOUN
fsr-3925	59	9	in	in	ADP
fsr-3925	59	10	measurement	measurement	NOUN
fsr-3925	59	11	but	but	CCONJ
fsr-3925	59	12	range	range	VERB
fsr-3925	59	13	from	from	ADP
fsr-3925	59	14	55	55	NUM
fsr-3925	59	15	to	to	PART
fsr-3925	59	16	80	80	NUM
fsr-3925	59	17	%	%	NOUN
fsr-3925	59	18	.	.	PUNCT
fsr-3925	60	1	the	the	DET
fsr-3925	60	2	replacement	replacement	NOUN
fsr-3925	60	3	rates	rate	NOUN
fsr-3925	60	4	recommended	recommend	VERB
fsr-3925	60	5	for	for	ADP
fsr-3925	60	6	lower	low	ADJ
fsr-3925	60	7	income	income	NOUN
fsr-3925	60	8	individuals	individual	NOUN
fsr-3925	60	9	and	and	CCONJ
fsr-3925	60	10	families	family	NOUN
fsr-3925	60	11	are	be	AUX
fsr-3925	60	12	higher	high	ADJ
fsr-3925	60	13	than	than	ADP
fsr-3925	60	14	those	those	PRON
fsr-3925	60	15	who	who	PRON
fsr-3925	60	16	are	be	AUX
fsr-3925	60	17	more	more	ADV
fsr-3925	60	18	affluent	affluent	ADJ
fsr-3925	60	19	.	.	PUNCT
fsr-3925	61	1	replacement	replacement	NOUN
fsr-3925	61	2	ratios	ratio	NOUN
fsr-3925	61	3	are	be	AUX
fsr-3925	61	4	often	often	ADV
fsr-3925	61	5	used	use	VERB
fsr-3925	61	6	in	in	ADP
fsr-3925	61	7	a	a	DET
fsr-3925	61	8	retirement	retirement	NOUN
fsr-3925	61	9	needs	need	VERB
fsr-3925	61	10	analysis	analysis	NOUN
fsr-3925	61	11	in	in	ADP
fsr-3925	61	12	lieu	lieu	NOUN
fsr-3925	61	13	of	of	ADP
fsr-3925	61	14	more	more	ADV
fsr-3925	61	15	accurate	accurate	ADJ
fsr-3925	61	16	expenditure	expenditure	NOUN
fsr-3925	61	17	data	datum	NOUN
fsr-3925	61	18	.	.	PUNCT
fsr-3925	62	1	in	in	ADP
fsr-3925	62	2	a	a	DET
fsr-3925	62	3	significant	significant	ADJ
fsr-3925	62	4	evaluation	evaluation	NOUN
fsr-3925	62	5	of	of	ADP
fsr-3925	62	6	retirement	retirement	NOUN
fsr-3925	62	7	needs	need	NOUN
fsr-3925	62	8	assumptions	assumption	NOUN
fsr-3925	62	9	,	,	PUNCT
fsr-3925	62	10	tacchino	tacchino	NOUN
fsr-3925	62	11	and	and	CCONJ
fsr-3925	62	12	saltzman	saltzman	NOUN
fsr-3925	62	13	(	(	PUNCT
fsr-3925	62	14	1999	1999	NUM
fsr-3925	62	15	)	)	PUNCT
fsr-3925	62	16	challenged	challenge	VERB
fsr-3925	62	17	the	the	DET
fsr-3925	62	18	presumption	presumption	NOUN
fsr-3925	62	19	that	that	SCONJ
fsr-3925	62	20	expenditures	expenditure	NOUN
fsr-3925	62	21	are	be	AUX
fsr-3925	62	22	constant	constant	ADJ
fsr-3925	62	23	throughout	throughout	ADP
fsr-3925	62	24	the	the	DET
fsr-3925	62	25	retirement	retirement	NOUN
fsr-3925	62	26	years	year	NOUN
fsr-3925	62	27	.	.	PUNCT
fsr-3925	63	1	they	they	PRON
fsr-3925	63	2	present	present	VERB
fsr-3925	63	3	evidence	evidence	NOUN
fsr-3925	63	4	that	that	SCONJ
fsr-3925	63	5	individuals	individual	NOUN
fsr-3925	63	6	continue	continue	VERB
fsr-3925	63	7	to	to	PART
fsr-3925	63	8	save	save	VERB
fsr-3925	63	9	during	during	ADP
fsr-3925	63	10	the	the	DET
fsr-3925	63	11	early	early	ADJ
fsr-3925	63	12	years	year	NOUN
fsr-3925	63	13	of	of	ADP
fsr-3925	63	14	retirement	retirement	NOUN
fsr-3925	63	15	and	and	CCONJ
fsr-3925	63	16	that	that	SCONJ
fsr-3925	63	17	spending	spend	VERB
fsr-3925	63	18	patterns	pattern	NOUN
fsr-3925	63	19	voluntarily	voluntarily	ADV
fsr-3925	63	20	decline	decline	VERB
fsr-3925	63	21	over	over	ADP
fsr-3925	63	22	the	the	DET
fsr-3925	63	23	retirement	retirement	NOUN
fsr-3925	63	24	period	period	NOUN
fsr-3925	63	25	.	.	PUNCT
fsr-3925	64	1	they	they	PRON
fsr-3925	64	2	suggest	suggest	VERB
fsr-3925	64	3	that	that	SCONJ
fsr-3925	64	4	retirement	retirement	NOUN
fsr-3925	64	5	needs	need	VERB
fsr-3925	64	6	analyses	analysis	NOUN
fsr-3925	64	7	should	should	AUX
fsr-3925	64	8	incorporate	incorporate	VERB
fsr-3925	64	9	this	this	DET
fsr-3925	64	10	information	information	NOUN
fsr-3925	64	11	into	into	ADP
fsr-3925	64	12	the	the	DET
fsr-3925	64	13	models	model	NOUN
fsr-3925	64	14	to	to	PART
fsr-3925	64	15	avoid	avoid	VERB
fsr-3925	64	16	overstating	overstate	VERB
fsr-3925	64	17	the	the	DET
fsr-3925	64	18	amount	amount	NOUN
fsr-3925	64	19	required	require	VERB
fsr-3925	64	20	to	to	PART
fsr-3925	64	21	meet	meet	VERB
fsr-3925	64	22	one	one	NUM
fsr-3925	64	23	’s	’s	PART
fsr-3925	64	24	retirement	retirement	NOUN
fsr-3925	64	25	goals	goal	NOUN
fsr-3925	64	26	.	.	PUNCT
fsr-3925	65	1	work	work	NOUN
fsr-3925	65	2	has	have	AUX
fsr-3925	65	3	also	also	ADV
fsr-3925	65	4	been	be	AUX
fsr-3925	65	5	done	do	VERB
fsr-3925	65	6	in	in	ADP
fsr-3925	65	7	the	the	DET
fsr-3925	65	8	area	area	NOUN
fsr-3925	65	9	of	of	ADP
fsr-3925	65	10	retirement	retirement	NOUN
fsr-3925	65	11	age	age	NOUN
fsr-3925	65	12	and	and	CCONJ
fsr-3925	65	13	asset	asset	NOUN
fsr-3925	65	14	allocation	allocation	NOUN
fsr-3925	65	15	before	before	ADP
fsr-3925	65	16	and	and	CCONJ
fsr-3925	65	17	during	during	ADP
fsr-3925	65	18	retirement	retirement	NOUN
fsr-3925	65	19	.	.	PUNCT
fsr-3925	66	1	recent	recent	ADJ
fsr-3925	66	2	work	work	NOUN
fsr-3925	66	3	by	by	ADP
fsr-3925	66	4	montalto	montalto	PROPN
fsr-3925	66	5	,	,	PUNCT
fsr-3925	66	6	yuh	yuh	PROPN
fsr-3925	66	7	,	,	PUNCT
fsr-3925	66	8	and	and	CCONJ
fsr-3925	66	9	hanna	hanna	PROPN
fsr-3925	66	10	(	(	PUNCT
fsr-3925	66	11	2000	2000	NUM
fsr-3925	66	12	)	)	PUNCT
fsr-3925	66	13	indicates	indicate	VERB
fsr-3925	66	14	that	that	SCONJ
fsr-3925	66	15	planned	plan	VERB
fsr-3925	66	16	retirement	retirement	NOUN
fsr-3925	66	17	age	age	NOUN
fsr-3925	66	18	increases	increase	NOUN
fsr-3925	66	19	as	as	SCONJ
fsr-3925	66	20	people	people	NOUN
fsr-3925	66	21	get	get	VERB
fsr-3925	66	22	older	old	ADJ
fsr-3925	66	23	,	,	PUNCT
fsr-3925	66	24	reinforcing	reinforce	VERB
fsr-3925	66	25	the	the	DET
fsr-3925	66	26	need	need	NOUN
fsr-3925	66	27	to	to	PART
fsr-3925	66	28	revisit	revisit	VERB
fsr-3925	66	29	the	the	DET
fsr-3925	66	30	retirement	retirement	NOUN
fsr-3925	66	31	needs	need	VERB
fsr-3925	66	32	analysis	analysis	NOUN
fsr-3925	66	33	periodically	periodically	ADV
fsr-3925	66	34	.	.	PUNCT
fsr-3925	67	1	others	other	NOUN
fsr-3925	67	2	have	have	AUX
fsr-3925	67	3	investigated	investigate	VERB
fsr-3925	67	4	the	the	DET
fsr-3925	67	5	relative	relative	ADJ
fsr-3925	67	6	importance	importance	NOUN
fsr-3925	67	7	of	of	ADP
fsr-3925	67	8	various	various	ADJ
fsr-3925	67	9	factors	factor	NOUN
fsr-3925	67	10	(	(	PUNCT
fsr-3925	67	11	e.g.	e.g.	ADV
fsr-3925	67	12	,	,	PUNCT
fsr-3925	67	13	social	social	ADJ
fsr-3925	67	14	security	security	NOUN
fsr-3925	67	15	,	,	PUNCT
fsr-3925	67	16	pensions	pension	NOUN
fsr-3925	67	17	,	,	PUNCT
fsr-3925	67	18	and	and	CCONJ
fsr-3925	67	19	health	health	NOUN
fsr-3925	67	20	status	status	NOUN
fsr-3925	67	21	)	)	PUNCT
fsr-3925	67	22	that	that	PRON
fsr-3925	67	23	might	might	AUX
fsr-3925	67	24	affect	affect	VERB
fsr-3925	67	25	retirement	retirement	NOUN
fsr-3925	67	26	age	age	NOUN
fsr-3925	67	27	(	(	PUNCT
fsr-3925	67	28	samwick	samwick	NOUN
fsr-3925	67	29	,	,	PUNCT
fsr-3925	67	30	1998	1998	NUM
fsr-3925	67	31	;	;	PUNCT
fsr-3925	67	32	uccello	uccello	PROPN
fsr-3925	67	33	,	,	PUNCT
fsr-3925	67	34	1998	1998	NUM
fsr-3925	67	35	)	)	PUNCT
fsr-3925	67	36	.	.	PUNCT
fsr-3925	68	1	a	a	DET
fsr-3925	68	2	large	large	ADJ
fsr-3925	68	3	body	body	NOUN
fsr-3925	68	4	of	of	ADP
fsr-3925	68	5	literature	literature	NOUN
fsr-3925	68	6	exists	exist	VERB
fsr-3925	68	7	regarding	regard	VERB
fsr-3925	68	8	the	the	DET
fsr-3925	68	9	relationship	relationship	NOUN
fsr-3925	68	10	between	between	ADP
fsr-3925	68	11	asset	asset	NOUN
fsr-3925	68	12	allocation	allocation	NOUN
fsr-3925	68	13	and	and	CCONJ
fsr-3925	68	14	investment	investment	NOUN
fsr-3925	68	15	time	time	NOUN
fsr-3925	68	16	horizon	horizon	NOUN
fsr-3925	68	17	.	.	PUNCT
fsr-3925	69	1	some	some	PRON
fsr-3925	69	2	of	of	ADP
fsr-3925	69	3	this	this	DET
fsr-3925	69	4	work	work	NOUN
fsr-3925	69	5	supports	support	VERB
fsr-3925	69	6	the	the	DET
fsr-3925	69	7	strategy	strategy	NOUN
fsr-3925	69	8	generally	generally	ADV
fsr-3925	69	9	offered	offer	VERB
fsr-3925	69	10	by	by	ADP
fsr-3925	69	11	financial	financial	ADJ
fsr-3925	69	12	practitioners	practitioner	NOUN
fsr-3925	69	13	that	that	PRON
fsr-3925	69	14	longer	long	ADV
fsr-3925	69	15	investment	investment	NOUN
fsr-3925	69	16	horizons	horizon	NOUN
fsr-3925	69	17	should	should	AUX
fsr-3925	69	18	be	be	AUX
fsr-3925	69	19	associated	associate	VERB
fsr-3925	69	20	with	with	ADP
fsr-3925	69	21	more	more	ADJ
fsr-3925	69	22	equities	equity	NOUN
fsr-3925	69	23	while	while	SCONJ
fsr-3925	69	24	shorter	short	ADJ
fsr-3925	69	25	investment	investment	NOUN
fsr-3925	69	26	horizons	horizon	NOUN
fsr-3925	69	27	require	require	VERB
fsr-3925	69	28	larger	large	ADJ
fsr-3925	69	29	portions	portion	NOUN
fsr-3925	69	30	of	of	ADP
fsr-3925	69	31	fixed	fix	VERB
fsr-3925	69	32	income	income	NOUN
fsr-3925	69	33	products	product	NOUN
fsr-3925	69	34	(	(	PUNCT
fsr-3925	69	35	bierman	bierman	ADJ
fsr-3925	69	36	,	,	PUNCT
fsr-3925	69	37	1997	1997	NUM
fsr-3925	69	38	;	;	PUNCT
fsr-3925	69	39	bodie	bodie	PROPN
fsr-3925	69	40	,	,	PUNCT
fsr-3925	69	41	merton	merton	PROPN
fsr-3925	69	42	,	,	PUNCT
fsr-3925	69	43	&	&	CCONJ
fsr-3925	69	44	samuelson	samuelson	PROPN
fsr-3925	69	45	,	,	PUNCT
fsr-3925	69	46	1992	1992	NUM
fsr-3925	69	47	;	;	PUNCT
fsr-3925	69	48	butler	butler	PROPN
fsr-3925	69	49	&	&	CCONJ
fsr-3925	69	50	domian	domian	PROPN
fsr-3925	69	51	,	,	PUNCT
fsr-3925	69	52	1991	1991	NUM
fsr-3925	69	53	;	;	PUNCT
fsr-3925	69	54	thaler	thaler	PROPN
fsr-3925	69	55	&	&	CCONJ
fsr-3925	69	56	williamson	williamson	PROPN
fsr-3925	69	57	,	,	PUNCT
fsr-3925	69	58	1994	1994	NUM
fsr-3925	69	59	;	;	PUNCT
fsr-3925	69	60	thorley	thorley	PROPN
fsr-3925	69	61	,	,	PUNCT
fsr-3925	69	62	1995	1995	NUM
fsr-3925	69	63	)	)	PUNCT
fsr-3925	69	64	.	.	PUNCT
fsr-3925	70	1	however	however	ADV
fsr-3925	70	2	,	,	PUNCT
fsr-3925	70	3	several	several	ADJ
fsr-3925	70	4	papers	paper	NOUN
fsr-3925	70	5	by	by	ADP
fsr-3925	70	6	samuelson	samuelson	PROPN
fsr-3925	70	7	(	(	PUNCT
fsr-3925	70	8	1989	1989	NUM
fsr-3925	70	9	,	,	PUNCT
fsr-3925	70	10	1990	1990	NUM
fsr-3925	70	11	,	,	PUNCT
fsr-3925	70	12	1994	1994	NUM
fsr-3925	70	13	)	)	PUNCT
fsr-3925	70	14	and	and	CCONJ
fsr-3925	70	15	kritzman	kritzman	NOUN
fsr-3925	70	16	(	(	PUNCT
fsr-3925	70	17	1994	1994	NUM
fsr-3925	70	18	)	)	PUNCT
fsr-3925	70	19	indicate	indicate	VERB
fsr-3925	70	20	that	that	SCONJ
fsr-3925	70	21	asset	asset	NOUN
fsr-3925	70	22	allocation	allocation	NOUN
fsr-3925	70	23	for	for	ADP
fsr-3925	70	24	an	an	DET
fsr-3925	70	25	individual	individual	NOUN
fsr-3925	70	26	should	should	AUX
fsr-3925	70	27	be	be	AUX
fsr-3925	70	28	independent	independent	ADJ
fsr-3925	70	29	of	of	ADP
fsr-3925	70	30	time	time	NOUN
fsr-3925	70	31	horizon	horizon	NOUN
fsr-3925	70	32	.	.	PUNCT
fsr-3925	71	1	bierman	bierman	PROPN
fsr-3925	71	2	(	(	PUNCT
fsr-3925	71	3	1998	1998	NUM
fsr-3925	71	4	)	)	PUNCT
fsr-3925	71	5	and	and	CCONJ
fsr-3925	71	6	olsen	olsen	NOUN
fsr-3925	71	7	and	and	CCONJ
fsr-3925	71	8	khaki	khaki	PROPN
fsr-3925	71	9	(	(	PUNCT
fsr-3925	71	10	1998	1998	NUM
fsr-3925	71	11	)	)	PUNCT
fsr-3925	71	12	present	present	ADJ
fsr-3925	71	13	evidence	evidence	NOUN
fsr-3925	71	14	that	that	PRON
fsr-3925	71	15	supports	support	VERB
fsr-3925	71	16	either	either	CCONJ
fsr-3925	71	17	increasing	increase	VERB
fsr-3925	71	18	or	or	CCONJ
fsr-3925	71	19	decreasing	decrease	VERB
fsr-3925	71	20	equity	equity	NOUN
fsr-3925	71	21	positions	position	NOUN
fsr-3925	71	22	with	with	ADP
fsr-3925	71	23	changing	change	VERB
fsr-3925	71	24	time	time	NOUN
fsr-3925	71	25	horizons	horizon	NOUN
fsr-3925	71	26	,	,	PUNCT
fsr-3925	71	27	234	234	NUM
fsr-3925	71	28	s.a	s.a	PROPN
fsr-3925	71	29	.	.	PROPN
fsr-3925	71	30	greninger	greninger	PROPN
fsr-3925	71	31	et	et	PROPN
fsr-3925	71	32	al	al	PROPN
fsr-3925	71	33	.	.	PUNCT
fsr-3925	71	34	/	/	SYM
fsr-3925	71	35	financial	financial	ADJ
fsr-3925	71	36	services	service	NOUN
fsr-3925	71	37	review	review	VERB
fsr-3925	71	38	9	9	NUM
fsr-3925	71	39	(	(	PUNCT
fsr-3925	71	40	2000	2000	NUM
fsr-3925	71	41	)	)	PUNCT
fsr-3925	72	1	231–245	231–245	NUM
fsr-3925	72	2	while	while	SCONJ
fsr-3925	72	3	levy	levy	NOUN
fsr-3925	72	4	and	and	CCONJ
fsr-3925	72	5	gunthorpe	gunthorpe	NOUN
fsr-3925	72	6	(	(	PUNCT
fsr-3925	72	7	1993	1993	NUM
fsr-3925	72	8	)	)	PUNCT
fsr-3925	72	9	and	and	CCONJ
fsr-3925	72	10	hodges	hodges	PROPN
fsr-3925	72	11	,	,	PUNCT
fsr-3925	72	12	taylor	taylor	PROPN
fsr-3925	72	13	,	,	PUNCT
fsr-3925	72	14	and	and	CCONJ
fsr-3925	72	15	yoder	yoder	PROPN
fsr-3925	72	16	(	(	PUNCT
fsr-3925	72	17	1997	1997	NUM
fsr-3925	72	18	)	)	PUNCT
fsr-3925	72	19	argue	argue	VERB
fsr-3925	72	20	that	that	SCONJ
fsr-3925	72	21	equities	equity	NOUN
fsr-3925	72	22	should	should	AUX
fsr-3925	72	23	consume	consume	VERB
fsr-3925	72	24	a	a	DET
fsr-3925	72	25	smaller	small	ADJ
fsr-3925	72	26	position	position	NOUN
fsr-3925	72	27	in	in	ADP
fsr-3925	72	28	one	one	NUM
fsr-3925	72	29	’s	’s	PART
fsr-3925	72	30	portfolio	portfolio	NOUN
fsr-3925	72	31	as	as	ADP
fsr-3925	72	32	time	time	NOUN
fsr-3925	72	33	horizons	horizon	NOUN
fsr-3925	72	34	increase	increase	NOUN
fsr-3925	72	35	.	.	PUNCT
fsr-3925	73	1	while	while	SCONJ
fsr-3925	73	2	a	a	DET
fsr-3925	73	3	body	body	NOUN
fsr-3925	73	4	of	of	ADP
fsr-3925	73	5	research	research	NOUN
fsr-3925	73	6	does	do	AUX
fsr-3925	73	7	exist	exist	VERB
fsr-3925	73	8	regarding	regard	VERB
fsr-3925	73	9	replacement	replacement	NOUN
fsr-3925	73	10	ratios	ratio	NOUN
fsr-3925	73	11	,	,	PUNCT
fsr-3925	73	12	retirement	retirement	NOUN
fsr-3925	73	13	age	age	NOUN
fsr-3925	73	14	,	,	PUNCT
fsr-3925	73	15	and	and	CCONJ
fsr-3925	73	16	asset	asset	NOUN
fsr-3925	73	17	allocation	allocation	NOUN
fsr-3925	73	18	that	that	PRON
fsr-3925	73	19	can	can	AUX
fsr-3925	73	20	be	be	AUX
fsr-3925	73	21	applied	apply	VERB
fsr-3925	73	22	to	to	ADP
fsr-3925	73	23	the	the	DET
fsr-3925	73	24	analysis	analysis	NOUN
fsr-3925	73	25	of	of	ADP
fsr-3925	73	26	retirement	retirement	NOUN
fsr-3925	73	27	needs	need	NOUN
fsr-3925	73	28	,	,	PUNCT
fsr-3925	73	29	the	the	DET
fsr-3925	73	30	literature	literature	NOUN
fsr-3925	73	31	does	do	AUX
fsr-3925	73	32	not	not	PART
fsr-3925	73	33	address	address	VERB
fsr-3925	73	34	the	the	DET
fsr-3925	73	35	other	other	ADJ
fsr-3925	73	36	assumptions	assumption	NOUN
fsr-3925	73	37	included	include	VERB
fsr-3925	73	38	in	in	ADP
fsr-3925	73	39	the	the	DET
fsr-3925	73	40	capital	capital	NOUN
fsr-3925	73	41	needs	need	VERB
fsr-3925	73	42	model	model	NOUN
fsr-3925	73	43	.	.	PUNCT
fsr-3925	74	1	in	in	ADP
fsr-3925	74	2	addition	addition	NOUN
fsr-3925	74	3	,	,	PUNCT
fsr-3925	74	4	the	the	DET
fsr-3925	74	5	existing	exist	VERB
fsr-3925	74	6	research	research	NOUN
fsr-3925	74	7	on	on	ADP
fsr-3925	74	8	asset	asset	NOUN
fsr-3925	74	9	allocation	allocation	NOUN
fsr-3925	74	10	leaves	leave	VERB
fsr-3925	74	11	much	much	ADJ
fsr-3925	74	12	uncertainty	uncertainty	NOUN
fsr-3925	74	13	.	.	PUNCT
fsr-3925	75	1	therefore	therefore	ADV
fsr-3925	75	2	,	,	PUNCT
fsr-3925	75	3	this	this	DET
fsr-3925	75	4	paper	paper	NOUN
fsr-3925	75	5	will	will	AUX
fsr-3925	75	6	explore	explore	VERB
fsr-3925	75	7	the	the	DET
fsr-3925	75	8	guidelines	guideline	NOUN
fsr-3925	75	9	financial	financial	ADJ
fsr-3925	75	10	planners	planner	NOUN
fsr-3925	75	11	use	use	VERB
fsr-3925	75	12	and	and	CCONJ
fsr-3925	75	13	financial	financial	ADJ
fsr-3925	75	14	educators	educator	NOUN
fsr-3925	75	15	recommend	recommend	VERB
fsr-3925	75	16	in	in	ADP
fsr-3925	75	17	addition	addition	NOUN
fsr-3925	75	18	to	to	ADP
fsr-3925	75	19	other	other	ADJ
fsr-3925	75	20	important	important	ADJ
fsr-3925	75	21	retirement	retirement	NOUN
fsr-3925	75	22	planning	planning	NOUN
fsr-3925	75	23	considerations	consideration	NOUN
fsr-3925	75	24	,	,	PUNCT
fsr-3925	75	25	goals	goal	NOUN
fsr-3925	75	26	that	that	PRON
fsr-3925	75	27	may	may	AUX
fsr-3925	75	28	conflict	conflict	VERB
fsr-3925	75	29	with	with	ADP
fsr-3925	75	30	successful	successful	ADJ
fsr-3925	75	31	retirement	retirement	NOUN
fsr-3925	75	32	planning	planning	NOUN
fsr-3925	75	33	,	,	PUNCT
fsr-3925	75	34	guidelines	guideline	NOUN
fsr-3925	75	35	for	for	ADP
fsr-3925	75	36	meeting	meet	VERB
fsr-3925	75	37	retirement	retirement	NOUN
fsr-3925	75	38	needs	need	NOUN
fsr-3925	75	39	,	,	PUNCT
fsr-3925	75	40	and	and	CCONJ
fsr-3925	75	41	asset	asset	NOUN
fsr-3925	75	42	allocation	allocation	NOUN
fsr-3925	75	43	guidelines	guideline	NOUN
fsr-3925	75	44	.	.	PUNCT
fsr-3925	76	1	3	3	X
fsr-3925	76	2	.	.	X
fsr-3925	76	3	objectives	objective	NOUN
fsr-3925	76	4	and	and	CCONJ
fsr-3925	76	5	methodology	methodology	NOUN
fsr-3925	76	6	the	the	DET
fsr-3925	76	7	major	major	ADJ
fsr-3925	76	8	objectives	objective	NOUN
fsr-3925	76	9	of	of	ADP
fsr-3925	76	10	this	this	DET
fsr-3925	76	11	research	research	NOUN
fsr-3925	76	12	study	study	NOUN
fsr-3925	76	13	were	be	AUX
fsr-3925	76	14	:	:	PUNCT
fsr-3925	76	15	(	(	PUNCT
fsr-3925	76	16	1	1	X
fsr-3925	76	17	)	)	PUNCT
fsr-3925	76	18	to	to	PART
fsr-3925	76	19	ascertain	ascertain	VERB
fsr-3925	76	20	retirement	retirement	NOUN
fsr-3925	76	21	planning	planning	NOUN
fsr-3925	76	22	considerations	consideration	NOUN
fsr-3925	76	23	and	and	CCONJ
fsr-3925	76	24	guidelines	guideline	NOUN
fsr-3925	76	25	from	from	ADP
fsr-3925	76	26	a	a	DET
fsr-3925	76	27	panel	panel	NOUN
fsr-3925	76	28	of	of	ADP
fsr-3925	76	29	financial	financial	ADJ
fsr-3925	76	30	experts	expert	NOUN
fsr-3925	76	31	comprised	comprise	VERB
fsr-3925	76	32	of	of	ADP
fsr-3925	76	33	both	both	DET
fsr-3925	76	34	planners	planner	NOUN
fsr-3925	76	35	and	and	CCONJ
fsr-3925	76	36	educators	educator	NOUN
fsr-3925	76	37	(	(	PUNCT
fsr-3925	76	38	2	2	NUM
fsr-3925	76	39	)	)	PUNCT
fsr-3925	76	40	to	to	PART
fsr-3925	76	41	determine	determine	VERB
fsr-3925	76	42	if	if	SCONJ
fsr-3925	76	43	a	a	DET
fsr-3925	76	44	consensus	consensus	NOUN
fsr-3925	76	45	of	of	ADP
fsr-3925	76	46	opinion	opinion	NOUN
fsr-3925	76	47	existed	exist	VERB
fsr-3925	76	48	or	or	CCONJ
fsr-3925	76	49	could	could	AUX
fsr-3925	76	50	be	be	AUX
fsr-3925	76	51	established	establish	VERB
fsr-3925	76	52	regarding	regard	VERB
fsr-3925	76	53	these	these	DET
fsr-3925	76	54	considerations	consideration	NOUN
fsr-3925	76	55	and	and	CCONJ
fsr-3925	76	56	guidelines	guideline	NOUN
fsr-3925	76	57	(	(	PUNCT
fsr-3925	76	58	3	3	NUM
fsr-3925	76	59	)	)	PUNCT
fsr-3925	76	60	to	to	PART
fsr-3925	76	61	determine	determine	VERB
fsr-3925	76	62	what	what	PRON
fsr-3925	76	63	differences	difference	NOUN
fsr-3925	76	64	in	in	ADP
fsr-3925	76	65	opinions	opinion	NOUN
fsr-3925	76	66	might	might	AUX
fsr-3925	76	67	exist	exist	VERB
fsr-3925	76	68	between	between	ADP
fsr-3925	76	69	occupational	occupational	ADJ
fsr-3925	76	70	and	and	CCONJ
fsr-3925	76	71	gender	gender	NOUN
fsr-3925	76	72	subgroups	subgroup	NOUN
fsr-3925	76	73	in	in	ADP
fsr-3925	76	74	the	the	DET
fsr-3925	76	75	panel	panel	NOUN
fsr-3925	76	76	of	of	ADP
fsr-3925	76	77	experts	expert	NOUN
fsr-3925	76	78	although	although	SCONJ
fsr-3925	76	79	it	it	PRON
fsr-3925	76	80	is	be	AUX
fsr-3925	76	81	important	important	ADJ
fsr-3925	76	82	to	to	PART
fsr-3925	76	83	acknowledge	acknowledge	VERB
fsr-3925	76	84	that	that	SCONJ
fsr-3925	76	85	guidelines	guideline	NOUN
fsr-3925	76	86	should	should	AUX
fsr-3925	76	87	be	be	AUX
fsr-3925	76	88	reviewed	review	VERB
fsr-3925	76	89	in	in	ADP
fsr-3925	76	90	terms	term	NOUN
fsr-3925	76	91	of	of	ADP
fsr-3925	76	92	the	the	DET
fsr-3925	76	93	contextual	contextual	ADJ
fsr-3925	76	94	situation	situation	NOUN
fsr-3925	76	95	including	include	VERB
fsr-3925	76	96	such	such	ADJ
fsr-3925	76	97	factors	factor	NOUN
fsr-3925	76	98	as	as	ADP
fsr-3925	76	99	economic	economic	ADJ
fsr-3925	76	100	conditions	condition	NOUN
fsr-3925	76	101	,	,	PUNCT
fsr-3925	76	102	personal	personal	ADJ
fsr-3925	76	103	goals	goal	NOUN
fsr-3925	76	104	,	,	PUNCT
fsr-3925	76	105	and	and	CCONJ
fsr-3925	76	106	the	the	DET
fsr-3925	76	107	individual	individual	NOUN
fsr-3925	76	108	’s	’s	PART
fsr-3925	76	109	or	or	CCONJ
fsr-3925	76	110	family	family	NOUN
fsr-3925	76	111	’s	’s	PART
fsr-3925	76	112	financial	financial	ADJ
fsr-3925	76	113	status	status	NOUN
fsr-3925	76	114	and	and	CCONJ
fsr-3925	76	115	life	life	NOUN
fsr-3925	76	116	-	-	PUNCT
fsr-3925	76	117	cycle	cycle	NOUN
fsr-3925	76	118	stage	stage	NOUN
fsr-3925	76	119	,	,	PUNCT
fsr-3925	76	120	this	this	DET
fsr-3925	76	121	research	research	NOUN
fsr-3925	76	122	sought	seek	VERB
fsr-3925	76	123	to	to	PART
fsr-3925	76	124	determine	determine	VERB
fsr-3925	76	125	baseline	baseline	NOUN
fsr-3925	76	126	norms	norm	NOUN
fsr-3925	76	127	for	for	ADP
fsr-3925	76	128	retirement	retirement	NOUN
fsr-3925	76	129	planning	planning	NOUN
fsr-3925	76	130	issues	issue	NOUN
fsr-3925	76	131	through	through	ADP
fsr-3925	76	132	a	a	DET
fsr-3925	76	133	consensus	consensus	NOUN
fsr-3925	76	134	-	-	PUNCT
fsr-3925	76	135	developing	develop	VERB
fsr-3925	76	136	process	process	NOUN
fsr-3925	76	137	.	.	PUNCT
fsr-3925	77	1	this	this	DET
fsr-3925	77	2	study	study	NOUN
fsr-3925	77	3	was	be	AUX
fsr-3925	77	4	part	part	NOUN
fsr-3925	77	5	of	of	ADP
fsr-3925	77	6	a	a	DET
fsr-3925	77	7	broader	broad	ADJ
fsr-3925	77	8	project	project	NOUN
fsr-3925	77	9	whose	whose	DET
fsr-3925	77	10	goal	goal	NOUN
fsr-3925	77	11	was	be	AUX
fsr-3925	77	12	to	to	PART
fsr-3925	77	13	identify	identify	VERB
fsr-3925	77	14	and	and	CCONJ
fsr-3925	77	15	refine	refine	VERB
fsr-3925	77	16	a	a	DET
fsr-3925	77	17	set	set	NOUN
fsr-3925	77	18	of	of	ADP
fsr-3925	77	19	benchmarks	benchmark	NOUN
fsr-3925	77	20	and	and	CCONJ
fsr-3925	77	21	ratios	ratio	NOUN
fsr-3925	77	22	for	for	ADP
fsr-3925	77	23	assessing	assess	VERB
fsr-3925	77	24	financial	financial	ADJ
fsr-3925	77	25	well	well	NOUN
fsr-3925	77	26	-	-	PUNCT
fsr-3925	77	27	being	being	NOUN
fsr-3925	77	28	.	.	PUNCT
fsr-3925	78	1	funding	fund	VERB
fsr-3925	78	2	for	for	ADP
fsr-3925	78	3	the	the	DET
fsr-3925	78	4	project	project	NOUN
fsr-3925	78	5	was	be	AUX
fsr-3925	78	6	provided	provide	VERB
fsr-3925	78	7	by	by	ADP
fsr-3925	78	8	a	a	DET
fsr-3925	78	9	small	small	ADJ
fsr-3925	78	10	grant	grant	NOUN
fsr-3925	78	11	from	from	ADP
fsr-3925	78	12	the	the	DET
fsr-3925	78	13	cfp	cfp	PROPN
fsr-3925	78	14	board	board	NOUN
fsr-3925	78	15	.	.	PUNCT
fsr-3925	79	1	the	the	DET
fsr-3925	79	2	study	study	NOUN
fsr-3925	79	3	utilized	utilize	VERB
fsr-3925	79	4	a	a	DET
fsr-3925	79	5	delphi	delphi	NOUN
fsr-3925	79	6	research	research	NOUN
fsr-3925	79	7	methodology	methodology	NOUN
fsr-3925	79	8	whereby	whereby	SCONJ
fsr-3925	79	9	a	a	DET
fsr-3925	79	10	panel	panel	NOUN
fsr-3925	79	11	of	of	ADP
fsr-3925	79	12	experts	expert	NOUN
fsr-3925	79	13	was	be	AUX
fsr-3925	79	14	queried	query	VERB
fsr-3925	79	15	in	in	ADP
fsr-3925	79	16	a	a	DET
fsr-3925	79	17	sequential	sequential	ADJ
fsr-3925	79	18	set	set	NOUN
fsr-3925	79	19	of	of	ADP
fsr-3925	79	20	mailed	mail	VERB
fsr-3925	79	21	-	-	PUNCT
fsr-3925	79	22	out	out	ADP
fsr-3925	79	23	questionnaires	questionnaire	NOUN
fsr-3925	79	24	designed	design	VERB
fsr-3925	79	25	to	to	PART
fsr-3925	79	26	facilitate	facilitate	VERB
fsr-3925	79	27	consensus	consensus	NOUN
fsr-3925	79	28	-	-	PUNCT
fsr-3925	79	29	building	building	NOUN
fsr-3925	79	30	.	.	PUNCT
fsr-3925	80	1	the	the	DET
fsr-3925	80	2	delphi	delphi	NOUN
fsr-3925	80	3	process	process	NOUN
fsr-3925	80	4	,	,	PUNCT
fsr-3925	80	5	as	as	SCONJ
fsr-3925	80	6	described	describe	VERB
fsr-3925	80	7	by	by	ADP
fsr-3925	80	8	linstone	linstone	NOUN
fsr-3925	80	9	and	and	CCONJ
fsr-3925	80	10	turoff	turoff	NOUN
fsr-3925	80	11	(	(	PUNCT
fsr-3925	80	12	1975	1975	NUM
fsr-3925	80	13	)	)	PUNCT
fsr-3925	80	14	,	,	PUNCT
fsr-3925	80	15	is	be	AUX
fsr-3925	80	16	a	a	DET
fsr-3925	80	17	way	way	NOUN
fsr-3925	80	18	of	of	ADP
fsr-3925	80	19	focusing	focus	VERB
fsr-3925	80	20	and	and	CCONJ
fsr-3925	80	21	organizing	organize	VERB
fsr-3925	80	22	communication	communication	NOUN
fsr-3925	80	23	among	among	ADP
fsr-3925	80	24	individuals	individual	NOUN
fsr-3925	80	25	such	such	ADJ
fsr-3925	80	26	“	"	PUNCT
fsr-3925	80	27	that	that	SCONJ
fsr-3925	80	28	the	the	DET
fsr-3925	80	29	process	process	NOUN
fsr-3925	80	30	is	be	AUX
fsr-3925	80	31	effective	effective	ADJ
fsr-3925	80	32	in	in	ADP
fsr-3925	80	33	allowing	allow	VERB
fsr-3925	80	34	a	a	DET
fsr-3925	80	35	group	group	NOUN
fsr-3925	80	36	of	of	ADP
fsr-3925	80	37	individuals	individual	NOUN
fsr-3925	80	38	,	,	PUNCT
fsr-3925	80	39	as	as	ADP
fsr-3925	80	40	a	a	DET
fsr-3925	80	41	whole	whole	NOUN
fsr-3925	80	42	,	,	PUNCT
fsr-3925	80	43	to	to	PART
fsr-3925	80	44	deal	deal	VERB
fsr-3925	80	45	with	with	ADP
fsr-3925	80	46	a	a	DET
fsr-3925	80	47	complex	complex	ADJ
fsr-3925	80	48	problem	problem	NOUN
fsr-3925	80	49	”	"	PUNCT
fsr-3925	80	50	(	(	PUNCT
fsr-3925	80	51	p.	p.	NOUN
fsr-3925	80	52	3	3	NUM
fsr-3925	80	53	)	)	PUNCT
fsr-3925	80	54	.	.	PUNCT
fsr-3925	81	1	a	a	DET
fsr-3925	81	2	conventional	conventional	ADJ
fsr-3925	81	3	delphi	delphi	NOUN
fsr-3925	81	4	study	study	NOUN
fsr-3925	81	5	according	accord	VERB
fsr-3925	81	6	to	to	ADP
fsr-3925	81	7	linstone	linstone	NOUN
fsr-3925	81	8	and	and	CCONJ
fsr-3925	81	9	turoff	turoff	NOUN
fsr-3925	81	10	is	be	AUX
fsr-3925	81	11	described	describe	VERB
fsr-3925	81	12	as	as	SCONJ
fsr-3925	81	13	follows	follow	VERB
fsr-3925	81	14	:	:	PUNCT
fsr-3925	81	15	a	a	DET
fsr-3925	81	16	small	small	ADJ
fsr-3925	81	17	monitor	monitor	NOUN
fsr-3925	81	18	team	team	NOUN
fsr-3925	81	19	designs	design	VERB
fsr-3925	81	20	a	a	DET
fsr-3925	81	21	questionnaire	questionnaire	NOUN
fsr-3925	81	22	which	which	PRON
fsr-3925	81	23	is	be	AUX
fsr-3925	81	24	sent	send	VERB
fsr-3925	81	25	to	to	ADP
fsr-3925	81	26	a	a	DET
fsr-3925	81	27	larger	large	ADJ
fsr-3925	81	28	respondent	respondent	NOUN
fsr-3925	81	29	group	group	NOUN
fsr-3925	81	30	.	.	PUNCT
fsr-3925	82	1	after	after	SCONJ
fsr-3925	82	2	the	the	DET
fsr-3925	82	3	questionnaire	questionnaire	NOUN
fsr-3925	82	4	is	be	AUX
fsr-3925	82	5	returned	return	VERB
fsr-3925	82	6	,	,	PUNCT
fsr-3925	82	7	the	the	DET
fsr-3925	82	8	monitor	monitor	NOUN
fsr-3925	82	9	team	team	NOUN
fsr-3925	82	10	summarizes	summarize	VERB
fsr-3925	82	11	the	the	DET
fsr-3925	82	12	results	result	NOUN
fsr-3925	82	13	and	and	CCONJ
fsr-3925	82	14	,	,	PUNCT
fsr-3925	82	15	based	base	VERB
fsr-3925	82	16	upon	upon	SCONJ
fsr-3925	82	17	the	the	DET
fsr-3925	82	18	results	result	NOUN
fsr-3925	82	19	,	,	PUNCT
fsr-3925	82	20	develops	develop	VERB
fsr-3925	82	21	a	a	DET
fsr-3925	82	22	new	new	ADJ
fsr-3925	82	23	questionnaire	questionnaire	NOUN
fsr-3925	82	24	for	for	ADP
fsr-3925	82	25	the	the	DET
fsr-3925	82	26	responding	respond	VERB
fsr-3925	82	27	group	group	NOUN
fsr-3925	82	28	.	.	PUNCT
fsr-3925	83	1	the	the	DET
fsr-3925	83	2	respondent	respondent	NOUN
fsr-3925	83	3	group	group	NOUN
fsr-3925	83	4	is	be	AUX
fsr-3925	83	5	usually	usually	ADV
fsr-3925	83	6	given	give	VERB
fsr-3925	83	7	at	at	ADV
fsr-3925	83	8	least	least	ADV
fsr-3925	83	9	one	one	NUM
fsr-3925	83	10	opportunity	opportunity	NOUN
fsr-3925	83	11	to	to	PART
fsr-3925	83	12	reevaluate	reevaluate	VERB
fsr-3925	83	13	its	its	PRON
fsr-3925	83	14	original	original	ADJ
fsr-3925	83	15	answers	answer	NOUN
fsr-3925	83	16	based	base	VERB
fsr-3925	83	17	upon	upon	SCONJ
fsr-3925	83	18	examination	examination	NOUN
fsr-3925	83	19	of	of	ADP
fsr-3925	83	20	the	the	DET
fsr-3925	83	21	group	group	NOUN
fsr-3925	83	22	response	response	NOUN
fsr-3925	83	23	(	(	PUNCT
fsr-3925	83	24	p.	p.	NOUN
fsr-3925	83	25	5	5	NUM
fsr-3925	83	26	)	)	PUNCT
fsr-3925	83	27	.	.	PUNCT
fsr-3925	84	1	the	the	DET
fsr-3925	84	2	delphi	delphi	NOUN
fsr-3925	84	3	methodology	methodology	NOUN
fsr-3925	84	4	is	be	AUX
fsr-3925	84	5	attributed	attribute	VERB
fsr-3925	84	6	to	to	ADP
fsr-3925	84	7	the	the	DET
fsr-3925	84	8	rand	rand	NOUN
fsr-3925	84	9	corporation	corporation	NOUN
fsr-3925	84	10	where	where	SCONJ
fsr-3925	84	11	it	it	PRON
fsr-3925	84	12	was	be	AUX
fsr-3925	84	13	developed	develop	VERB
fsr-3925	84	14	in	in	ADP
fsr-3925	84	15	the	the	DET
fsr-3925	84	16	1950s	1950	NOUN
fsr-3925	84	17	to	to	PART
fsr-3925	84	18	study	study	VERB
fsr-3925	84	19	defense	defense	NOUN
fsr-3925	84	20	-	-	PUNCT
fsr-3925	84	21	oriented	orient	VERB
fsr-3925	84	22	issues	issue	NOUN
fsr-3925	84	23	.	.	PUNCT
fsr-3925	85	1	although	although	SCONJ
fsr-3925	85	2	this	this	DET
fsr-3925	85	3	method	method	NOUN
fsr-3925	85	4	has	have	AUX
fsr-3925	85	5	not	not	PART
fsr-3925	85	6	been	be	AUX
fsr-3925	85	7	used	use	VERB
fsr-3925	85	8	in	in	ADP
fsr-3925	85	9	financial	financial	ADJ
fsr-3925	85	10	planning	planning	NOUN
fsr-3925	85	11	research	research	NOUN
fsr-3925	85	12	,	,	PUNCT
fsr-3925	85	13	variants	variant	NOUN
fsr-3925	85	14	of	of	ADP
fsr-3925	85	15	the	the	DET
fsr-3925	85	16	methodology	methodology	NOUN
fsr-3925	85	17	have	have	AUX
fsr-3925	85	18	since	since	ADV
fsr-3925	85	19	been	be	AUX
fsr-3925	85	20	applied	apply	VERB
fsr-3925	85	21	to	to	ADP
fsr-3925	85	22	complex	complex	ADJ
fsr-3925	85	23	problems	problem	NOUN
fsr-3925	85	24	in	in	ADP
fsr-3925	85	25	a	a	DET
fsr-3925	85	26	relatively	relatively	ADV
fsr-3925	85	27	wide	wide	ADJ
fsr-3925	85	28	array	array	NOUN
fsr-3925	85	29	of	of	ADP
fsr-3925	85	30	disciplines	discipline	NOUN
fsr-3925	85	31	.	.	PUNCT
fsr-3925	86	1	in	in	ADP
fsr-3925	86	2	the	the	DET
fsr-3925	86	3	present	present	ADJ
fsr-3925	86	4	study	study	NOUN
fsr-3925	86	5	,	,	PUNCT
fsr-3925	86	6	a	a	DET
fsr-3925	86	7	three	three	NUM
fsr-3925	86	8	-	-	PUNCT
fsr-3925	86	9	person	person	NOUN
fsr-3925	86	10	research	research	NOUN
fsr-3925	86	11	team	team	NOUN
fsr-3925	86	12	of	of	ADP
fsr-3925	86	13	personal	personal	ADJ
fsr-3925	86	14	finance	finance	NOUN
fsr-3925	86	15	educators	educator	NOUN
fsr-3925	86	16	,	,	PUNCT
fsr-3925	86	17	who	who	PRON
fsr-3925	86	18	are	be	AUX
fsr-3925	86	19	235s.a	235s.a	NUM
fsr-3925	86	20	.	.	PUNCT
fsr-3925	87	1	greninger	greninger	NOUN
fsr-3925	87	2	et	et	PROPN
fsr-3925	87	3	al	al	PROPN
fsr-3925	87	4	.	.	PUNCT
fsr-3925	87	5	/	/	SYM
fsr-3925	87	6	financial	financial	ADJ
fsr-3925	87	7	services	service	NOUN
fsr-3925	87	8	review	review	VERB
fsr-3925	87	9	9	9	NUM
fsr-3925	87	10	(	(	PUNCT
fsr-3925	87	11	2000	2000	NUM
fsr-3925	87	12	)	)	PUNCT
fsr-3925	88	1	231–245	231–245	NUM
fsr-3925	88	2	also	also	ADV
fsr-3925	88	3	all	all	DET
fsr-3925	88	4	cfp	cfp	NOUN
fsr-3925	88	5	™	™	ADJ
fsr-3925	88	6	certificants	certificant	NOUN
fsr-3925	88	7	,	,	PUNCT
fsr-3925	88	8	identified	identify	VERB
fsr-3925	88	9	financial	financial	ADJ
fsr-3925	88	10	guidelines	guideline	NOUN
fsr-3925	88	11	and	and	CCONJ
fsr-3925	88	12	recommendations	recommendation	NOUN
fsr-3925	88	13	from	from	ADP
fsr-3925	88	14	existing	exist	VERB
fsr-3925	88	15	educational	educational	ADJ
fsr-3925	88	16	and	and	CCONJ
fsr-3925	88	17	research	research	NOUN
fsr-3925	88	18	literature	literature	NOUN
fsr-3925	88	19	.	.	PUNCT
fsr-3925	89	1	their	their	PRON
fsr-3925	89	2	findings	finding	NOUN
fsr-3925	89	3	were	be	AUX
fsr-3925	89	4	then	then	ADV
fsr-3925	89	5	reviewed	review	VERB
fsr-3925	89	6	by	by	ADP
fsr-3925	89	7	an	an	DET
fsr-3925	89	8	advisory	advisory	ADJ
fsr-3925	89	9	committee	committee	NOUN
fsr-3925	89	10	comprised	comprise	VERB
fsr-3925	89	11	of	of	ADP
fsr-3925	89	12	five	five	NUM
fsr-3925	89	13	cfp	cfp	NOUN
fsr-3925	89	14	™	™	ADJ
fsr-3925	89	15	practitioners	practitioner	NOUN
fsr-3925	89	16	and	and	CCONJ
fsr-3925	89	17	one	one	NUM
fsr-3925	89	18	additional	additional	ADJ
fsr-3925	89	19	university	university	NOUN
fsr-3925	89	20	educator	educator	NOUN
fsr-3925	89	21	with	with	ADP
fsr-3925	89	22	an	an	DET
fsr-3925	89	23	interest	interest	NOUN
fsr-3925	89	24	in	in	ADP
fsr-3925	89	25	financial	financial	ADJ
fsr-3925	89	26	planning	planning	NOUN
fsr-3925	89	27	.	.	PUNCT
fsr-3925	90	1	the	the	DET
fsr-3925	90	2	advisory	advisory	ADJ
fsr-3925	90	3	committee	committee	NOUN
fsr-3925	90	4	also	also	ADV
fsr-3925	90	5	reviewed	review	VERB
fsr-3925	90	6	and	and	CCONJ
fsr-3925	90	7	had	have	VERB
fsr-3925	90	8	input	input	NOUN
fsr-3925	90	9	regarding	regard	VERB
fsr-3925	90	10	the	the	DET
fsr-3925	90	11	sampling	sample	VERB
fsr-3925	90	12	technique	technique	NOUN
fsr-3925	90	13	and	and	CCONJ
fsr-3925	90	14	research	research	NOUN
fsr-3925	90	15	design	design	NOUN
fsr-3925	90	16	proposed	propose	VERB
fsr-3925	90	17	for	for	ADP
fsr-3925	90	18	the	the	DET
fsr-3925	90	19	study	study	NOUN
fsr-3925	90	20	.	.	PUNCT
fsr-3925	91	1	invitations	invitation	NOUN
fsr-3925	91	2	were	be	AUX
fsr-3925	91	3	extended	extend	VERB
fsr-3925	91	4	to	to	ADP
fsr-3925	91	5	400	400	NUM
fsr-3925	91	6	financial	financial	ADJ
fsr-3925	91	7	planners	planner	NOUN
fsr-3925	91	8	randomly	randomly	ADV
fsr-3925	91	9	selected	select	VERB
fsr-3925	91	10	from	from	ADP
fsr-3925	91	11	a	a	DET
fsr-3925	91	12	national	national	ADJ
fsr-3925	91	13	listing	listing	NOUN
fsr-3925	91	14	of	of	ADP
fsr-3925	91	15	cfp	cfp	PROPN
fsr-3925	91	16	™	™	ADJ
fsr-3925	91	17	professionals	professional	NOUN
fsr-3925	91	18	and	and	CCONJ
fsr-3925	91	19	340	340	NUM
fsr-3925	91	20	financial	financial	ADJ
fsr-3925	91	21	educators	educator	NOUN
fsr-3925	91	22	selected	select	VERB
fsr-3925	91	23	from	from	ADP
fsr-3925	91	24	the	the	DET
fsr-3925	91	25	membership	membership	NOUN
fsr-3925	91	26	of	of	ADP
fsr-3925	91	27	the	the	DET
fsr-3925	91	28	association	association	NOUN
fsr-3925	91	29	for	for	ADP
fsr-3925	91	30	financial	financial	ADJ
fsr-3925	91	31	counseling	counseling	NOUN
fsr-3925	91	32	and	and	CCONJ
fsr-3925	91	33	planning	planning	NOUN
fsr-3925	91	34	educators	educator	NOUN
fsr-3925	91	35	(	(	PUNCT
fsr-3925	91	36	afcpe	afcpe	NOUN
fsr-3925	91	37	)	)	PUNCT
fsr-3925	91	38	in	in	ADP
fsr-3925	91	39	1994	1994	NUM
fsr-3925	91	40	asking	ask	VERB
fsr-3925	91	41	them	they	PRON
fsr-3925	91	42	to	to	PART
fsr-3925	91	43	participate	participate	VERB
fsr-3925	91	44	in	in	ADP
fsr-3925	91	45	the	the	DET
fsr-3925	91	46	project	project	NOUN
fsr-3925	91	47	.	.	PUNCT
fsr-3925	92	1	both	both	DET
fsr-3925	92	2	practitioners	practitioner	NOUN
fsr-3925	92	3	and	and	CCONJ
fsr-3925	92	4	educators	educator	NOUN
fsr-3925	92	5	were	be	AUX
fsr-3925	92	6	included	include	VERB
fsr-3925	92	7	in	in	ADP
fsr-3925	92	8	the	the	DET
fsr-3925	92	9	sample	sample	NOUN
fsr-3925	92	10	because	because	SCONJ
fsr-3925	92	11	of	of	ADP
fsr-3925	92	12	the	the	DET
fsr-3925	92	13	importance	importance	NOUN
fsr-3925	92	14	of	of	ADP
fsr-3925	92	15	industry	industry	NOUN
fsr-3925	92	16	involvement	involvement	NOUN
fsr-3925	92	17	in	in	ADP
fsr-3925	92	18	professional	professional	ADJ
fsr-3925	92	19	education	education	NOUN
fsr-3925	92	20	.	.	PUNCT
fsr-3925	93	1	since	since	SCONJ
fsr-3925	93	2	educators	educator	NOUN
fsr-3925	93	3	train	train	VERB
fsr-3925	93	4	students	student	NOUN
fsr-3925	93	5	to	to	PART
fsr-3925	93	6	work	work	VERB
fsr-3925	93	7	in	in	ADP
fsr-3925	93	8	industry	industry	NOUN
fsr-3925	93	9	,	,	PUNCT
fsr-3925	93	10	it	it	PRON
fsr-3925	93	11	is	be	AUX
fsr-3925	93	12	important	important	ADJ
fsr-3925	93	13	that	that	SCONJ
fsr-3925	93	14	educators	educator	NOUN
fsr-3925	93	15	and	and	CCONJ
fsr-3925	93	16	practitioners	practitioner	NOUN
fsr-3925	93	17	agree	agree	VERB
fsr-3925	93	18	upon	upon	SCONJ
fsr-3925	93	19	the	the	DET
fsr-3925	93	20	basic	basic	ADJ
fsr-3925	93	21	concepts	concept	NOUN
fsr-3925	93	22	that	that	PRON
fsr-3925	93	23	define	define	VERB
fsr-3925	93	24	a	a	DET
fsr-3925	93	25	profession	profession	NOUN
fsr-3925	93	26	.	.	PUNCT
fsr-3925	94	1	while	while	SCONJ
fsr-3925	94	2	there	there	PRON
fsr-3925	94	3	could	could	AUX
fsr-3925	94	4	be	be	AUX
fsr-3925	94	5	overlap	overlap	NOUN
fsr-3925	94	6	between	between	ADP
fsr-3925	94	7	the	the	DET
fsr-3925	94	8	cfp	cfp	NOUN
fsr-3925	94	9	™	™	ADJ
fsr-3925	94	10	certificants	certificant	NOUN
fsr-3925	94	11	who	who	PRON
fsr-3925	94	12	are	be	AUX
fsr-3925	94	13	largely	largely	ADV
fsr-3925	94	14	practitioners	practitioner	NOUN
fsr-3925	94	15	and	and	CCONJ
fsr-3925	94	16	afcpe	afcpe	NOUN
fsr-3925	94	17	members	member	NOUN
fsr-3925	94	18	who	who	PRON
fsr-3925	94	19	are	be	AUX
fsr-3925	94	20	primarily	primarily	ADV
fsr-3925	94	21	university	university	NOUN
fsr-3925	94	22	educators	educator	NOUN
fsr-3925	94	23	,	,	PUNCT
fsr-3925	94	24	it	it	PRON
fsr-3925	94	25	was	be	AUX
fsr-3925	94	26	quite	quite	ADV
fsr-3925	94	27	small	small	ADJ
fsr-3925	94	28	.	.	PUNCT
fsr-3925	95	1	an	an	DET
fsr-3925	95	2	initial	initial	ADJ
fsr-3925	95	3	acceptance	acceptance	NOUN
fsr-3925	95	4	rate	rate	NOUN
fsr-3925	95	5	of	of	ADP
fsr-3925	95	6	38	38	NUM
fsr-3925	95	7	%	%	NOUN
fsr-3925	95	8	was	be	AUX
fsr-3925	95	9	achieved	achieve	VERB
fsr-3925	95	10	with	with	ADP
fsr-3925	95	11	122	122	NUM
fsr-3925	95	12	financial	financial	ADJ
fsr-3925	95	13	planners	planner	NOUN
fsr-3925	95	14	and	and	CCONJ
fsr-3925	95	15	159	159	NUM
fsr-3925	95	16	educators	educator	NOUN
fsr-3925	95	17	agreeing	agree	VERB
fsr-3925	95	18	to	to	PART
fsr-3925	95	19	participate	participate	VERB
fsr-3925	95	20	.	.	PUNCT
fsr-3925	96	1	in	in	ADP
fsr-3925	96	2	keeping	keep	VERB
fsr-3925	96	3	with	with	ADP
fsr-3925	96	4	the	the	DET
fsr-3925	96	5	delphi	delphi	NOUN
fsr-3925	96	6	protocol	protocol	NOUN
fsr-3925	96	7	,	,	PUNCT
fsr-3925	96	8	four	four	NUM
fsr-3925	96	9	separate	separate	ADJ
fsr-3925	96	10	mailed	mail	VERB
fsr-3925	96	11	questionnaires	questionnaire	NOUN
fsr-3925	96	12	distributed	distribute	VERB
fsr-3925	96	13	over	over	ADP
fsr-3925	96	14	several	several	ADJ
fsr-3925	96	15	months	month	NOUN
fsr-3925	96	16	were	be	AUX
fsr-3925	96	17	sent	send	VERB
fsr-3925	96	18	to	to	ADP
fsr-3925	96	19	these	these	DET
fsr-3925	96	20	participants	participant	NOUN
fsr-3925	96	21	.	.	PUNCT
fsr-3925	97	1	round	round	ADV
fsr-3925	97	2	one	one	NUM
fsr-3925	97	3	featured	feature	VERB
fsr-3925	97	4	an	an	DET
fsr-3925	97	5	open	open	ADV
fsr-3925	97	6	-	-	PUNCT
fsr-3925	97	7	ended	end	VERB
fsr-3925	97	8	questionnaire	questionnaire	NOUN
fsr-3925	97	9	that	that	PRON
fsr-3925	97	10	asked	ask	VERB
fsr-3925	97	11	for	for	ADP
fsr-3925	97	12	input	input	NOUN
fsr-3925	97	13	from	from	ADP
fsr-3925	97	14	the	the	DET
fsr-3925	97	15	expert	expert	ADJ
fsr-3925	97	16	panel	panel	NOUN
fsr-3925	97	17	regarding	regard	VERB
fsr-3925	97	18	the	the	DET
fsr-3925	97	19	following	follow	VERB
fsr-3925	97	20	20	20	NUM
fsr-3925	97	21	financial	financial	ADJ
fsr-3925	97	22	concepts	concept	NOUN
fsr-3925	97	23	identified	identify	VERB
fsr-3925	97	24	in	in	ADP
fsr-3925	97	25	the	the	DET
fsr-3925	97	26	literature	literature	NOUN
fsr-3925	97	27	:	:	PUNCT
fsr-3925	97	28	y	y	NOUN
fsr-3925	97	29	diversification	diversification	NOUN
fsr-3925	97	30	between	between	ADP
fsr-3925	97	31	and	and	CCONJ
fsr-3925	97	32	within	within	ADP
fsr-3925	97	33	investment	investment	NOUN
fsr-3925	97	34	types	type	NOUN
fsr-3925	97	35	y	y	PROPN
fsr-3925	97	36	asset	asset	NOUN
fsr-3925	97	37	allocation	allocation	NOUN
fsr-3925	97	38	appropriate	appropriate	ADJ
fsr-3925	97	39	for	for	ADP
fsr-3925	97	40	life	life	NOUN
fsr-3925	97	41	cycle	cycle	NOUN
fsr-3925	97	42	stage	stage	NOUN
fsr-3925	97	43	and	and	CCONJ
fsr-3925	97	44	goals	goal	NOUN
fsr-3925	97	45	y	y	PROPN
fsr-3925	97	46	extent	extent	NOUN
fsr-3925	97	47	and	and	CCONJ
fsr-3925	97	48	adequacy	adequacy	NOUN
fsr-3925	97	49	of	of	ADP
fsr-3925	97	50	regular	regular	ADJ
fsr-3925	97	51	savings	saving	NOUN
fsr-3925	97	52	/	/	SYM
fsr-3925	97	53	investing	investing	NOUN
fsr-3925	97	54	program	program	NOUN
fsr-3925	97	55	y	y	PROPN
fsr-3925	97	56	cash	cash	NOUN
fsr-3925	97	57	reserves	reserve	NOUN
fsr-3925	97	58	and	and	CCONJ
fsr-3925	97	59	liquidity	liquidity	NOUN
fsr-3925	97	60	y	y	PROPN
fsr-3925	97	61	exposure	exposure	NOUN
fsr-3925	97	62	to	to	ADP
fsr-3925	97	63	insolvency	insolvency	NOUN
fsr-3925	97	64	y	y	PROPN
fsr-3925	97	65	debt	debt	NOUN
fsr-3925	97	66	safety	safety	NOUN
fsr-3925	97	67	level	level	NOUN
fsr-3925	97	68	y	y	PROPN
fsr-3925	97	69	housing	housing	NOUN
fsr-3925	97	70	expense	expense	NOUN
fsr-3925	97	71	relative	relative	ADJ
fsr-3925	97	72	to	to	ADP
fsr-3925	97	73	income	income	NOUN
fsr-3925	97	74	level	level	NOUN
fsr-3925	97	75	y	y	PROPN
fsr-3925	97	76	tax	tax	NOUN
fsr-3925	97	77	burden	burden	NOUN
fsr-3925	97	78	y	y	PROPN
fsr-3925	97	79	inflation	inflation	NOUN
fsr-3925	97	80	protection	protection	PROPN
fsr-3925	97	81	y	y	PROPN
fsr-3925	97	82	frequency	frequency	NOUN
fsr-3925	97	83	of	of	ADP
fsr-3925	97	84	financial	financial	ADJ
fsr-3925	97	85	review	review	PROPN
fsr-3925	97	86	y	y	PROPN
fsr-3925	97	87	specificity	specificity	NOUN
fsr-3925	97	88	of	of	ADP
fsr-3925	97	89	financial	financial	ADJ
fsr-3925	97	90	goals	goal	NOUN
fsr-3925	97	91	y	y	PROPN
fsr-3925	97	92	progress	progress	VERB
fsr-3925	97	93	toward	toward	ADP
fsr-3925	97	94	goal	goal	NOUN
fsr-3925	97	95	attainment	attainment	ADJ
fsr-3925	97	96	y	y	PROPN
fsr-3925	97	97	adequacy	adequacy	NOUN
fsr-3925	97	98	of	of	ADP
fsr-3925	97	99	life	life	NOUN
fsr-3925	97	100	insurance	insurance	NOUN
fsr-3925	97	101	coverage	coverage	NOUN
fsr-3925	97	102	y	y	PROPN
fsr-3925	97	103	adequacy	adequacy	NOUN
fsr-3925	97	104	of	of	ADP
fsr-3925	97	105	disability	disability	NOUN
fsr-3925	97	106	insurance	insurance	NOUN
fsr-3925	97	107	coverage	coverage	NOUN
fsr-3925	97	108	y	y	PROPN
fsr-3925	97	109	adequacy	adequacy	NOUN
fsr-3925	97	110	of	of	ADP
fsr-3925	97	111	property	property	NOUN
fsr-3925	97	112	insurance	insurance	NOUN
fsr-3925	97	113	coverage	coverage	NOUN
fsr-3925	97	114	y	y	PROPN
fsr-3925	97	115	protection	protection	NOUN
fsr-3925	97	116	from	from	ADP
fsr-3925	97	117	liability	liability	NOUN
fsr-3925	97	118	exposure	exposure	NOUN
fsr-3925	97	119	y	y	PROPN
fsr-3925	97	120	adequacy	adequacy	NOUN
fsr-3925	97	121	of	of	ADP
fsr-3925	97	122	medical	medical	ADJ
fsr-3925	97	123	insurance	insurance	NOUN
fsr-3925	97	124	coverage	coverage	NOUN
fsr-3925	97	125	y	y	PROPN
fsr-3925	97	126	adequacy	adequacy	NOUN
fsr-3925	97	127	of	of	ADP
fsr-3925	97	128	long	long	ADJ
fsr-3925	97	129	-	-	PUNCT
fsr-3925	97	130	term	term	NOUN
fsr-3925	97	131	care	care	NOUN
fsr-3925	97	132	coverage	coverage	NOUN
fsr-3925	97	133	y	y	PROPN
fsr-3925	97	134	adequacy	adequacy	NOUN
fsr-3925	97	135	of	of	ADP
fsr-3925	97	136	retirement	retirement	NOUN
fsr-3925	97	137	planning	planning	NOUN
fsr-3925	97	138	given	give	VERB
fsr-3925	97	139	life	life	NOUN
fsr-3925	97	140	cycle	cycle	NOUN
fsr-3925	97	141	stage	stage	NOUN
fsr-3925	97	142	and	and	CCONJ
fsr-3925	97	143	goals	goal	NOUN
fsr-3925	97	144	y	y	PROPN
fsr-3925	97	145	adequacy	adequacy	NOUN
fsr-3925	97	146	of	of	ADP
fsr-3925	97	147	estate	estate	NOUN
fsr-3925	97	148	planning	planning	NOUN
fsr-3925	97	149	participants	participant	NOUN
fsr-3925	97	150	were	be	AUX
fsr-3925	97	151	asked	ask	VERB
fsr-3925	97	152	to	to	PART
fsr-3925	97	153	list	list	VERB
fsr-3925	97	154	factors	factor	NOUN
fsr-3925	97	155	they	they	PRON
fsr-3925	97	156	felt	feel	VERB
fsr-3925	97	157	were	be	AUX
fsr-3925	97	158	important	important	ADJ
fsr-3925	97	159	in	in	ADP
fsr-3925	97	160	assessing	assess	VERB
fsr-3925	97	161	the	the	DET
fsr-3925	97	162	financial	financial	ADJ
fsr-3925	97	163	well	well	NOUN
fsr-3925	97	164	-	-	PUNCT
fsr-3925	97	165	being	being	NOUN
fsr-3925	97	166	of	of	ADP
fsr-3925	97	167	individuals	individual	NOUN
fsr-3925	97	168	and	and	CCONJ
fsr-3925	97	169	families	family	NOUN
fsr-3925	97	170	for	for	ADP
fsr-3925	97	171	each	each	PRON
fsr-3925	97	172	of	of	ADP
fsr-3925	97	173	these	these	DET
fsr-3925	97	174	areas	area	NOUN
fsr-3925	97	175	.	.	PUNCT
fsr-3925	98	1	based	base	VERB
fsr-3925	98	2	on	on	ADP
fsr-3925	98	3	the	the	DET
fsr-3925	98	4	open	open	ADV
fsr-3925	98	5	-	-	PUNCT
fsr-3925	98	6	ended	end	VERB
fsr-3925	98	7	responses	response	NOUN
fsr-3925	98	8	from	from	ADP
fsr-3925	98	9	round	round	NOUN
fsr-3925	98	10	one	one	NUM
fsr-3925	98	11	,	,	PUNCT
fsr-3925	98	12	the	the	DET
fsr-3925	98	13	research	research	NOUN
fsr-3925	98	14	team	team	NOUN
fsr-3925	98	15	developed	develop	VERB
fsr-3925	98	16	two	two	NUM
fsr-3925	98	17	separate	separate	ADJ
fsr-3925	98	18	closed	close	VERB
fsr-3925	98	19	-	-	PUNCT
fsr-3925	98	20	end	end	NOUN
fsr-3925	98	21	questionnaires	questionnaire	NOUN
fsr-3925	98	22	that	that	PRON
fsr-3925	98	23	comprised	comprise	VERB
fsr-3925	98	24	round	round	ADV
fsr-3925	98	25	two	two	NUM
fsr-3925	98	26	.	.	PUNCT
fsr-3925	99	1	the	the	DET
fsr-3925	99	2	decision	decision	NOUN
fsr-3925	99	3	to	to	PART
fsr-3925	99	4	split	split	VERB
fsr-3925	99	5	round	round	ADV
fsr-3925	99	6	236	236	NUM
fsr-3925	99	7	s.a	s.a	PROPN
fsr-3925	99	8	.	.	PROPN
fsr-3925	99	9	greninger	greninger	PROPN
fsr-3925	99	10	et	et	PROPN
fsr-3925	99	11	al	al	PROPN
fsr-3925	99	12	.	.	PUNCT
fsr-3925	99	13	/	/	SYM
fsr-3925	99	14	financial	financial	ADJ
fsr-3925	99	15	services	service	NOUN
fsr-3925	99	16	review	review	VERB
fsr-3925	99	17	9	9	NUM
fsr-3925	99	18	(	(	PUNCT
fsr-3925	99	19	2000	2000	NUM
fsr-3925	99	20	)	)	PUNCT
fsr-3925	99	21	231–245	231–245	NUM
fsr-3925	99	22	two	two	NUM
fsr-3925	99	23	into	into	ADP
fsr-3925	99	24	two	two	NUM
fsr-3925	99	25	halves	half	NOUN
fsr-3925	99	26	was	be	AUX
fsr-3925	99	27	made	make	VERB
fsr-3925	99	28	in	in	ADP
fsr-3925	99	29	order	order	NOUN
fsr-3925	99	30	to	to	PART
fsr-3925	99	31	keep	keep	VERB
fsr-3925	99	32	the	the	DET
fsr-3925	99	33	questionnaire	questionnaire	NOUN
fsr-3925	99	34	length	length	NOUN
fsr-3925	99	35	short	short	ADJ
fsr-3925	99	36	enough	enough	ADV
fsr-3925	99	37	to	to	PART
fsr-3925	99	38	encourage	encourage	VERB
fsr-3925	99	39	participation	participation	NOUN
fsr-3925	99	40	.	.	PUNCT
fsr-3925	100	1	results	result	NOUN
fsr-3925	100	2	from	from	ADP
fsr-3925	100	3	round	round	NOUN
fsr-3925	100	4	two	two	NUM
fsr-3925	100	5	,	,	PUNCT
fsr-3925	100	6	where	where	SCONJ
fsr-3925	100	7	there	there	PRON
fsr-3925	100	8	was	be	VERB
fsr-3925	100	9	not	not	PART
fsr-3925	100	10	a	a	DET
fsr-3925	100	11	general	general	ADJ
fsr-3925	100	12	consensus	consensus	NOUN
fsr-3925	100	13	,	,	PUNCT
fsr-3925	100	14	were	be	AUX
fsr-3925	100	15	then	then	ADV
fsr-3925	100	16	summarized	summarize	VERB
fsr-3925	100	17	by	by	ADP
fsr-3925	100	18	the	the	DET
fsr-3925	100	19	research	research	NOUN
fsr-3925	100	20	team	team	NOUN
fsr-3925	100	21	and	and	CCONJ
fsr-3925	100	22	reported	report	VERB
fsr-3925	100	23	back	back	ADV
fsr-3925	100	24	to	to	ADP
fsr-3925	100	25	the	the	DET
fsr-3925	100	26	participants	participant	NOUN
fsr-3925	100	27	on	on	ADP
fsr-3925	100	28	the	the	DET
fsr-3925	100	29	round	round	ADJ
fsr-3925	100	30	three	three	NUM
fsr-3925	100	31	questionnaire	questionnaire	NOUN
fsr-3925	100	32	.	.	PUNCT
fsr-3925	101	1	in	in	ADP
fsr-3925	101	2	accordance	accordance	NOUN
fsr-3925	101	3	with	with	ADP
fsr-3925	101	4	the	the	DET
fsr-3925	101	5	recommended	recommend	VERB
fsr-3925	101	6	protocol	protocol	NOUN
fsr-3925	101	7	for	for	ADP
fsr-3925	101	8	the	the	DET
fsr-3925	101	9	delphi	delphi	NOUN
fsr-3925	101	10	method	method	NOUN
fsr-3925	101	11	,	,	PUNCT
fsr-3925	101	12	this	this	PRON
fsr-3925	101	13	allowed	allow	VERB
fsr-3925	101	14	the	the	DET
fsr-3925	101	15	participants	participant	NOUN
fsr-3925	101	16	an	an	DET
fsr-3925	101	17	opportunity	opportunity	NOUN
fsr-3925	101	18	to	to	PART
fsr-3925	101	19	reevaluate	reevaluate	VERB
fsr-3925	101	20	their	their	PRON
fsr-3925	101	21	answers	answer	NOUN
fsr-3925	101	22	based	base	VERB
fsr-3925	101	23	on	on	ADP
fsr-3925	101	24	the	the	DET
fsr-3925	101	25	group	group	NOUN
fsr-3925	101	26	results	result	VERB
fsr-3925	101	27	.	.	PUNCT
fsr-3925	102	1	in	in	ADP
fsr-3925	102	2	round	round	NOUN
fsr-3925	102	3	three	three	NUM
fsr-3925	102	4	,	,	PUNCT
fsr-3925	102	5	the	the	DET
fsr-3925	102	6	participants	participant	NOUN
fsr-3925	102	7	were	be	AUX
fsr-3925	102	8	asked	ask	VERB
fsr-3925	102	9	to	to	PART
fsr-3925	102	10	rate	rate	VERB
fsr-3925	102	11	their	their	PRON
fsr-3925	102	12	level	level	NOUN
fsr-3925	102	13	of	of	ADP
fsr-3925	102	14	agreement	agreement	NOUN
fsr-3925	102	15	with	with	ADP
fsr-3925	102	16	summary	summary	NOUN
fsr-3925	102	17	statements	statement	NOUN
fsr-3925	102	18	that	that	PRON
fsr-3925	102	19	had	have	AUX
fsr-3925	102	20	emerged	emerge	VERB
fsr-3925	102	21	from	from	ADP
fsr-3925	102	22	round	round	ADJ
fsr-3925	102	23	two	two	NUM
fsr-3925	102	24	results	result	NOUN
fsr-3925	102	25	on	on	ADP
fsr-3925	102	26	a	a	DET
fsr-3925	102	27	5	5	NUM
fsr-3925	102	28	-	-	PUNCT
fsr-3925	102	29	point	point	NOUN
fsr-3925	102	30	likert	likert	ADJ
fsr-3925	102	31	scale	scale	NOUN
fsr-3925	102	32	where	where	SCONJ
fsr-3925	102	33	15	15	NUM
fsr-3925	102	34	definitely	definitely	ADV
fsr-3925	102	35	do	do	AUX
fsr-3925	102	36	not	not	PART
fsr-3925	102	37	agree	agree	VERB
fsr-3925	102	38	,	,	PUNCT
fsr-3925	102	39	25	25	NUM
fsr-3925	102	40	do	do	AUX
fsr-3925	102	41	not	not	PART
fsr-3925	102	42	agree	agree	VERB
fsr-3925	102	43	,	,	PUNCT
fsr-3925	102	44	35	35	NUM
fsr-3925	102	45	uncertain	uncertain	ADJ
fsr-3925	102	46	,	,	PUNCT
fsr-3925	102	47	45	45	NUM
fsr-3925	102	48	agree	agree	VERB
fsr-3925	102	49	,	,	PUNCT
fsr-3925	102	50	and	and	CCONJ
fsr-3925	102	51	55	55	NUM
fsr-3925	102	52	strongly	strongly	ADV
fsr-3925	102	53	agree	agree	VERB
fsr-3925	102	54	.	.	PUNCT
fsr-3925	103	1	these	these	DET
fsr-3925	103	2	scaled	scale	VERB
fsr-3925	103	3	responses	response	NOUN
fsr-3925	103	4	allowed	allow	VERB
fsr-3925	103	5	differences	difference	NOUN
fsr-3925	103	6	to	to	PART
fsr-3925	103	7	be	be	AUX
fsr-3925	103	8	tested	test	VERB
fsr-3925	103	9	between	between	ADP
fsr-3925	103	10	the	the	DET
fsr-3925	103	11	occupational	occupational	ADJ
fsr-3925	103	12	and	and	CCONJ
fsr-3925	103	13	gender	gender	NOUN
fsr-3925	103	14	subgroups	subgroup	NOUN
fsr-3925	103	15	.	.	PUNCT
fsr-3925	104	1	in	in	ADP
fsr-3925	104	2	the	the	DET
fsr-3925	104	3	analyses	analysis	NOUN
fsr-3925	104	4	of	of	ADP
fsr-3925	104	5	the	the	DET
fsr-3925	104	6	data	datum	NOUN
fsr-3925	104	7	,	,	PUNCT
fsr-3925	104	8	we	we	PRON
fsr-3925	104	9	used	use	VERB
fsr-3925	104	10	exploratory	exploratory	ADJ
fsr-3925	104	11	factor	factor	NOUN
fsr-3925	104	12	analysis	analysis	NOUN
fsr-3925	104	13	and	and	CCONJ
fsr-3925	104	14	anovas	anovas	NOUN
fsr-3925	104	15	for	for	ADP
fsr-3925	104	16	continuous	continuous	ADJ
fsr-3925	104	17	variables	variable	NOUN
fsr-3925	104	18	and	and	CCONJ
fsr-3925	104	19	frequencies	frequency	NOUN
fsr-3925	104	20	and	and	CCONJ
fsr-3925	104	21	chi	chi	NOUN
fsr-3925	104	22	-	-	PUNCT
fsr-3925	104	23	square	square	NOUN
fsr-3925	104	24	to	to	PART
fsr-3925	104	25	handle	handle	VERB
fsr-3925	104	26	categorical	categorical	ADJ
fsr-3925	104	27	variables	variable	NOUN
fsr-3925	104	28	.	.	PUNCT
fsr-3925	105	1	comparisons	comparison	NOUN
fsr-3925	105	2	of	of	ADP
fsr-3925	105	3	means	mean	NOUN
fsr-3925	105	4	and	and	CCONJ
fsr-3925	105	5	frequencies	frequency	NOUN
fsr-3925	105	6	were	be	AUX
fsr-3925	105	7	based	base	VERB
fsr-3925	105	8	for	for	ADP
fsr-3925	105	9	the	the	DET
fsr-3925	105	10	most	most	ADJ
fsr-3925	105	11	part	part	NOUN
fsr-3925	105	12	on	on	ADP
fsr-3925	105	13	gender	gender	NOUN
fsr-3925	105	14	and	and	CCONJ
fsr-3925	105	15	occupations	occupation	NOUN
fsr-3925	105	16	.	.	PUNCT
fsr-3925	106	1	separate	separate	ADJ
fsr-3925	106	2	exploratory	exploratory	ADJ
fsr-3925	106	3	factor	factor	NOUN
fsr-3925	106	4	analyses	analysis	NOUN
fsr-3925	106	5	were	be	AUX
fsr-3925	106	6	performed	perform	VERB
fsr-3925	106	7	on	on	ADP
fsr-3925	106	8	the	the	DET
fsr-3925	106	9	responses	response	NOUN
fsr-3925	106	10	to	to	ADP
fsr-3925	106	11	two	two	NUM
fsr-3925	106	12	sets	set	NOUN
fsr-3925	106	13	of	of	ADP
fsr-3925	106	14	items	item	NOUN
fsr-3925	106	15	.	.	PUNCT
fsr-3925	107	1	the	the	DET
fsr-3925	107	2	intention	intention	NOUN
fsr-3925	107	3	was	be	AUX
fsr-3925	107	4	to	to	PART
fsr-3925	107	5	determine	determine	VERB
fsr-3925	107	6	whether	whether	SCONJ
fsr-3925	107	7	there	there	PRON
fsr-3925	107	8	were	be	VERB
fsr-3925	107	9	global	global	ADJ
fsr-3925	107	10	concepts	concept	NOUN
fsr-3925	107	11	(	(	PUNCT
fsr-3925	107	12	tabachnick	tabachnick	NOUN
fsr-3925	107	13	&	&	CCONJ
fsr-3925	107	14	fidell	fidell	PROPN
fsr-3925	107	15	,	,	PUNCT
fsr-3925	107	16	1996	1996	NUM
fsr-3925	107	17	)	)	PUNCT
fsr-3925	107	18	that	that	PRON
fsr-3925	107	19	might	might	AUX
fsr-3925	107	20	be	be	AUX
fsr-3925	107	21	embedded	embed	VERB
fsr-3925	107	22	within	within	ADP
fsr-3925	107	23	each	each	DET
fsr-3925	107	24	set	set	NOUN
fsr-3925	107	25	of	of	ADP
fsr-3925	107	26	items	item	NOUN
fsr-3925	107	27	that	that	PRON
fsr-3925	107	28	might	might	AUX
fsr-3925	107	29	be	be	AUX
fsr-3925	107	30	identified	identify	VERB
fsr-3925	107	31	for	for	ADP
fsr-3925	107	32	future	future	ADJ
fsr-3925	107	33	research	research	NOUN
fsr-3925	107	34	endeavors	endeavor	NOUN
fsr-3925	107	35	.	.	PUNCT
fsr-3925	108	1	in	in	ADP
fsr-3925	108	2	round	round	NOUN
fsr-3925	108	3	two	two	NUM
fsr-3925	108	4	,	,	PUNCT
fsr-3925	108	5	participants	participant	NOUN
fsr-3925	108	6	rated	rate	VERB
fsr-3925	108	7	the	the	DET
fsr-3925	108	8	“	"	PUNCT
fsr-3925	108	9	importance	importance	NOUN
fsr-3925	108	10	of	of	ADP
fsr-3925	108	11	factors	factor	NOUN
fsr-3925	108	12	to	to	PART
fsr-3925	108	13	consider	consider	VERB
fsr-3925	108	14	when	when	SCONJ
fsr-3925	108	15	planning	plan	VERB
fsr-3925	108	16	for	for	ADP
fsr-3925	108	17	retirement	retirement	NOUN
fsr-3925	108	18	,	,	PUNCT
fsr-3925	108	19	”	"	PUNCT
fsr-3925	108	20	which	which	PRON
fsr-3925	108	21	contained	contain	VERB
fsr-3925	108	22	13	13	NUM
fsr-3925	108	23	items	item	NOUN
fsr-3925	108	24	and	and	CCONJ
fsr-3925	108	25	the	the	DET
fsr-3925	108	26	“	"	PUNCT
fsr-3925	108	27	likelihood	likelihood	NOUN
fsr-3925	108	28	of	of	ADP
fsr-3925	108	29	goals	goal	NOUN
fsr-3925	108	30	being	be	AUX
fsr-3925	108	31	perceived	perceive	VERB
fsr-3925	108	32	as	as	ADP
fsr-3925	108	33	more	more	ADV
fsr-3925	108	34	important	important	ADJ
fsr-3925	108	35	than	than	ADP
fsr-3925	108	36	(	(	PUNCT
fsr-3925	108	37	therefore	therefore	ADV
fsr-3925	108	38	,	,	PUNCT
fsr-3925	108	39	in	in	ADP
fsr-3925	108	40	conflict	conflict	NOUN
fsr-3925	108	41	with	with	ADP
fsr-3925	108	42	)	)	PUNCT
fsr-3925	108	43	retirement	retirement	NOUN
fsr-3925	108	44	planning	planning	NOUN
fsr-3925	108	45	for	for	ADP
fsr-3925	108	46	the	the	DET
fsr-3925	108	47	typical	typical	ADJ
fsr-3925	108	48	family	family	NOUN
fsr-3925	108	49	,	,	PUNCT
fsr-3925	108	50	”	"	PUNCT
fsr-3925	108	51	which	which	PRON
fsr-3925	108	52	contained	contain	VERB
fsr-3925	108	53	six	six	NUM
fsr-3925	108	54	items	item	NOUN
fsr-3925	108	55	.	.	PUNCT
fsr-3925	109	1	in	in	ADP
fsr-3925	109	2	both	both	DET
fsr-3925	109	3	analyses	analysis	NOUN
fsr-3925	109	4	,	,	PUNCT
fsr-3925	109	5	we	we	PRON
fsr-3925	109	6	used	use	VERB
fsr-3925	109	7	a	a	DET
fsr-3925	109	8	principal	principal	ADJ
fsr-3925	109	9	components	component	NOUN
fsr-3925	109	10	extraction	extraction	NOUN
fsr-3925	109	11	method	method	NOUN
fsr-3925	109	12	with	with	ADP
fsr-3925	109	13	varimax	varimax	ADJ
fsr-3925	109	14	rotation	rotation	NOUN
fsr-3925	109	15	.	.	PUNCT
fsr-3925	110	1	these	these	DET
fsr-3925	110	2	analyses	analysis	NOUN
fsr-3925	110	3	were	be	AUX
fsr-3925	110	4	performed	perform	VERB
fsr-3925	110	5	on	on	ADP
fsr-3925	110	6	ratings	rating	NOUN
fsr-3925	110	7	made	make	VERB
fsr-3925	110	8	by	by	ADP
fsr-3925	110	9	the	the	DET
fsr-3925	110	10	participants	participant	NOUN
fsr-3925	110	11	on	on	ADP
fsr-3925	110	12	5	5	NUM
fsr-3925	110	13	-	-	PUNCT
fsr-3925	110	14	point	point	NOUN
fsr-3925	110	15	likert	likert	NOUN
fsr-3925	110	16	scales	scale	NOUN
fsr-3925	110	17	.	.	PUNCT
fsr-3925	111	1	when	when	SCONJ
fsr-3925	111	2	frequency	frequency	NOUN
fsr-3925	111	3	information	information	NOUN
fsr-3925	111	4	is	be	AUX
fsr-3925	111	5	reported	report	VERB
fsr-3925	111	6	from	from	ADP
fsr-3925	111	7	the	the	DET
fsr-3925	111	8	ratings	rating	NOUN
fsr-3925	111	9	on	on	ADP
fsr-3925	111	10	the	the	DET
fsr-3925	111	11	likert	likert	NOUN
fsr-3925	111	12	scales	scale	NOUN
fsr-3925	111	13	,	,	PUNCT
fsr-3925	111	14	percentages	percentage	NOUN
fsr-3925	111	15	may	may	AUX
fsr-3925	111	16	be	be	AUX
fsr-3925	111	17	reported	report	VERB
fsr-3925	111	18	in	in	ADP
fsr-3925	111	19	a	a	DET
fsr-3925	111	20	truncated	truncated	ADJ
fsr-3925	111	21	manner	manner	NOUN
fsr-3925	111	22	in	in	ADP
fsr-3925	111	23	terms	term	NOUN
fsr-3925	111	24	of	of	ADP
fsr-3925	111	25	the	the	DET
fsr-3925	111	26	percentages	percentage	NOUN
fsr-3925	111	27	of	of	ADP
fsr-3925	111	28	participants	participant	NOUN
fsr-3925	111	29	who	who	PRON
fsr-3925	111	30	agreed	agree	VERB
fsr-3925	111	31	,	,	PUNCT
fsr-3925	111	32	disagreed	disagree	VERB
fsr-3925	111	33	,	,	PUNCT
fsr-3925	111	34	and	and	CCONJ
fsr-3925	111	35	were	be	AUX
fsr-3925	111	36	uncertain	uncertain	ADJ
fsr-3925	111	37	.	.	PUNCT
fsr-3925	112	1	however	however	ADV
fsr-3925	112	2	,	,	PUNCT
fsr-3925	112	3	the	the	DET
fsr-3925	112	4	means	mean	NOUN
fsr-3925	112	5	and	and	CCONJ
fsr-3925	112	6	medians	median	NOUN
fsr-3925	112	7	reported	report	VERB
fsr-3925	112	8	in	in	ADP
fsr-3925	112	9	this	this	DET
fsr-3925	112	10	paper	paper	NOUN
fsr-3925	112	11	from	from	ADP
fsr-3925	112	12	the	the	DET
fsr-3925	112	13	likert	likert	NOUN
fsr-3925	112	14	scales	scale	NOUN
fsr-3925	112	15	reflect	reflect	VERB
fsr-3925	112	16	all	all	DET
fsr-3925	112	17	five	five	NUM
fsr-3925	112	18	response	response	NOUN
fsr-3925	112	19	categories	category	NOUN
fsr-3925	112	20	.	.	PUNCT
fsr-3925	113	1	findings	finding	NOUN
fsr-3925	113	2	from	from	ADP
fsr-3925	113	3	188	188	NUM
fsr-3925	113	4	participants	participant	NOUN
fsr-3925	113	5	who	who	PRON
fsr-3925	113	6	responded	respond	VERB
fsr-3925	113	7	to	to	ADP
fsr-3925	113	8	retirement	retirement	NOUN
fsr-3925	113	9	questions	question	NOUN
fsr-3925	113	10	in	in	ADP
fsr-3925	113	11	round	round	NOUN
fsr-3925	113	12	two	two	NUM
fsr-3925	113	13	and/or	and/or	CCONJ
fsr-3925	113	14	round	round	ADP
fsr-3925	113	15	three	three	NUM
fsr-3925	113	16	of	of	ADP
fsr-3925	113	17	the	the	DET
fsr-3925	113	18	study	study	NOUN
fsr-3925	113	19	are	be	AUX
fsr-3925	113	20	reported	report	VERB
fsr-3925	113	21	in	in	ADP
fsr-3925	113	22	this	this	DET
fsr-3925	113	23	paper	paper	NOUN
fsr-3925	113	24	.	.	PUNCT
fsr-3925	114	1	of	of	ADP
fsr-3925	114	2	the	the	DET
fsr-3925	114	3	188	188	NUM
fsr-3925	114	4	respondents	respondent	NOUN
fsr-3925	114	5	,	,	PUNCT
fsr-3925	114	6	113	113	NUM
fsr-3925	114	7	(	(	PUNCT
fsr-3925	114	8	60	60	NUM
fsr-3925	114	9	%	%	NOUN
fsr-3925	114	10	)	)	PUNCT
fsr-3925	114	11	were	be	AUX
fsr-3925	114	12	educators	educator	NOUN
fsr-3925	114	13	and	and	CCONJ
fsr-3925	114	14	75	75	NUM
fsr-3925	114	15	(	(	PUNCT
fsr-3925	114	16	40	40	NUM
fsr-3925	114	17	%	%	NOUN
fsr-3925	114	18	)	)	PUNCT
fsr-3925	114	19	were	be	AUX
fsr-3925	114	20	planners	planner	NOUN
fsr-3925	114	21	.	.	PUNCT
fsr-3925	115	1	there	there	PRON
fsr-3925	115	2	were	be	VERB
fsr-3925	115	3	more	more	ADJ
fsr-3925	115	4	males	male	NOUN
fsr-3925	115	5	than	than	ADP
fsr-3925	115	6	females	female	NOUN
fsr-3925	115	7	,	,	PUNCT
fsr-3925	115	8	55	55	NUM
fsr-3925	115	9	%	%	NOUN
fsr-3925	115	10	versus	versus	ADP
fsr-3925	115	11	45	45	NUM
fsr-3925	115	12	%	%	NOUN
fsr-3925	115	13	,	,	PUNCT
fsr-3925	115	14	respectively	respectively	ADV
fsr-3925	115	15	.	.	PUNCT
fsr-3925	116	1	a	a	DET
fsr-3925	116	2	significant	significant	ADJ
fsr-3925	116	3	relationship	relationship	NOUN
fsr-3925	116	4	between	between	ADP
fsr-3925	116	5	gender	gender	NOUN
fsr-3925	116	6	and	and	CCONJ
fsr-3925	116	7	occupation	occupation	NOUN
fsr-3925	116	8	existed	exist	VERB
fsr-3925	116	9	in	in	ADP
fsr-3925	116	10	the	the	DET
fsr-3925	116	11	sample	sample	NOUN
fsr-3925	116	12	with	with	ADP
fsr-3925	116	13	planners	planner	NOUN
fsr-3925	116	14	predominantly	predominantly	ADV
fsr-3925	116	15	being	be	AUX
fsr-3925	116	16	male	male	ADJ
fsr-3925	116	17	(	(	PUNCT
fsr-3925	116	18	77	77	NUM
fsr-3925	116	19	%	%	NOUN
fsr-3925	116	20	)	)	PUNCT
fsr-3925	116	21	and	and	CCONJ
fsr-3925	116	22	educators	educator	NOUN
fsr-3925	116	23	predominantly	predominantly	ADV
fsr-3925	116	24	being	be	AUX
fsr-3925	116	25	female	female	ADJ
fsr-3925	116	26	(	(	PUNCT
fsr-3925	116	27	59	59	NUM
fsr-3925	116	28	%	%	NOUN
fsr-3925	116	29	)	)	PUNCT
fsr-3925	117	1	[	[	X
fsr-3925	117	2	x2	x2	X
fsr-3925	117	3	(	(	PUNCT
fsr-3925	117	4	1	1	NUM
fsr-3925	117	5	,	,	PUNCT
fsr-3925	117	6	n	n	PRON
fsr-3925	117	7	5	5	NUM
fsr-3925	117	8	188	188	NUM
fsr-3925	117	9	)	)	PUNCT
fsr-3925	117	10	5	5	NUM
fsr-3925	117	11	25.71,p	25.71,p	NUM
fsr-3925	117	12	,	,	PUNCT
fsr-3925	117	13	.000	.000	NUM
fsr-3925	117	14	]	]	PUNCT
fsr-3925	117	15	.	.	PUNCT
fsr-3925	118	1	there	there	PRON
fsr-3925	118	2	was	be	VERB
fsr-3925	118	3	also	also	ADV
fsr-3925	118	4	a	a	DET
fsr-3925	118	5	significant	significant	ADJ
fsr-3925	118	6	difference	difference	NOUN
fsr-3925	118	7	in	in	ADP
fsr-3925	118	8	the	the	DET
fsr-3925	118	9	educational	educational	ADJ
fsr-3925	118	10	level	level	NOUN
fsr-3925	118	11	of	of	ADP
fsr-3925	118	12	the	the	DET
fsr-3925	118	13	two	two	NUM
fsr-3925	118	14	occupational	occupational	ADJ
fsr-3925	118	15	subgroups	subgroup	NOUN
fsr-3925	118	16	.	.	PUNCT
fsr-3925	119	1	as	as	SCONJ
fsr-3925	119	2	might	might	AUX
fsr-3925	119	3	be	be	AUX
fsr-3925	119	4	expected	expect	VERB
fsr-3925	119	5	,	,	PUNCT
fsr-3925	119	6	the	the	DET
fsr-3925	119	7	planners	planner	NOUN
fsr-3925	119	8	were	be	AUX
fsr-3925	119	9	more	more	ADV
fsr-3925	119	10	likely	likely	ADJ
fsr-3925	119	11	to	to	PART
fsr-3925	119	12	have	have	AUX
fsr-3925	119	13	received	receive	VERB
fsr-3925	119	14	bachelor	bachelor	NOUN
fsr-3925	119	15	degrees	degree	NOUN
fsr-3925	119	16	whereas	whereas	SCONJ
fsr-3925	119	17	the	the	DET
fsr-3925	119	18	educators	educator	NOUN
fsr-3925	119	19	were	be	AUX
fsr-3925	119	20	more	more	ADV
fsr-3925	119	21	likely	likely	ADJ
fsr-3925	119	22	to	to	PART
fsr-3925	119	23	have	have	AUX
fsr-3925	119	24	received	receive	VERB
fsr-3925	119	25	advanced	advanced	ADJ
fsr-3925	119	26	degrees	degree	NOUN
fsr-3925	119	27	,	,	PUNCT
fsr-3925	119	28	particularly	particularly	ADV
fsr-3925	119	29	at	at	ADP
fsr-3925	119	30	the	the	DET
fsr-3925	119	31	doctoral	doctoral	ADJ
fsr-3925	119	32	level	level	NOUN
fsr-3925	119	33	[	[	X
fsr-3925	119	34	x2	x2	X
fsr-3925	119	35	(	(	PUNCT
fsr-3925	119	36	5	5	NUM
fsr-3925	119	37	,	,	PUNCT
fsr-3925	119	38	n	n	PRON
fsr-3925	119	39	5	5	NUM
fsr-3925	119	40	188	188	NUM
fsr-3925	119	41	)	)	PUNCT
fsr-3925	119	42	5	5	NUM
fsr-3925	119	43	49.74,p	49.74,p	NUM
fsr-3925	119	44	,	,	PUNCT
fsr-3925	119	45	.000	.000	NUM
fsr-3925	119	46	]	]	PUNCT
fsr-3925	119	47	.	.	PUNCT
fsr-3925	120	1	4	4	X
fsr-3925	120	2	.	.	X
fsr-3925	120	3	research	research	NOUN
fsr-3925	120	4	findings	finding	NOUN
fsr-3925	120	5	4.1	4.1	NUM
fsr-3925	120	6	.	.	PUNCT
fsr-3925	121	1	retirement	retirement	NOUN
fsr-3925	121	2	planning	planning	NOUN
fsr-3925	121	3	considerations	consideration	NOUN
fsr-3925	121	4	in	in	ADP
fsr-3925	121	5	round	round	NOUN
fsr-3925	121	6	two	two	NUM
fsr-3925	122	1	,	,	PUNCT
fsr-3925	122	2	the	the	DET
fsr-3925	122	3	panel	panel	NOUN
fsr-3925	122	4	of	of	ADP
fsr-3925	122	5	experts	expert	NOUN
fsr-3925	122	6	was	be	AUX
fsr-3925	122	7	asked	ask	VERB
fsr-3925	122	8	to	to	PART
fsr-3925	122	9	rate	rate	VERB
fsr-3925	122	10	the	the	DET
fsr-3925	122	11	importance	importance	NOUN
fsr-3925	122	12	of	of	ADP
fsr-3925	122	13	a	a	DET
fsr-3925	122	14	number	number	NOUN
fsr-3925	122	15	of	of	ADP
fsr-3925	122	16	factors	factor	NOUN
fsr-3925	122	17	to	to	PART
fsr-3925	122	18	consider	consider	VERB
fsr-3925	122	19	when	when	SCONJ
fsr-3925	122	20	planning	plan	VERB
fsr-3925	122	21	for	for	ADP
fsr-3925	122	22	retirement	retirement	NOUN
fsr-3925	122	23	on	on	ADP
fsr-3925	122	24	a	a	DET
fsr-3925	122	25	5	5	NUM
fsr-3925	122	26	-	-	PUNCT
fsr-3925	122	27	point	point	NOUN
fsr-3925	122	28	likert	likert	ADJ
fsr-3925	122	29	scale	scale	NOUN
fsr-3925	122	30	where	where	SCONJ
fsr-3925	122	31	15	15	NUM
fsr-3925	122	32	very	very	ADV
fsr-3925	122	33	237s.a	237s.a	NUM
fsr-3925	122	34	.	.	PUNCT
fsr-3925	123	1	greninger	greninger	NOUN
fsr-3925	123	2	et	et	PROPN
fsr-3925	123	3	al	al	PROPN
fsr-3925	123	4	.	.	PUNCT
fsr-3925	123	5	/	/	SYM
fsr-3925	123	6	financial	financial	ADJ
fsr-3925	123	7	services	service	NOUN
fsr-3925	123	8	review	review	VERB
fsr-3925	123	9	9	9	NUM
fsr-3925	123	10	(	(	PUNCT
fsr-3925	123	11	2000	2000	NUM
fsr-3925	123	12	)	)	PUNCT
fsr-3925	124	1	231–245	231–245	NUM
fsr-3925	124	2	unimportant	unimportant	ADJ
fsr-3925	124	3	,	,	PUNCT
fsr-3925	124	4	25	25	NUM
fsr-3925	124	5	unimportant	unimportant	ADJ
fsr-3925	124	6	,	,	PUNCT
fsr-3925	124	7	35	35	NUM
fsr-3925	124	8	uncertain	uncertain	ADJ
fsr-3925	124	9	,	,	PUNCT
fsr-3925	124	10	45	45	NUM
fsr-3925	124	11	important	important	ADJ
fsr-3925	124	12	,	,	PUNCT
fsr-3925	124	13	and	and	CCONJ
fsr-3925	124	14	55	55	NUM
fsr-3925	124	15	very	very	ADV
fsr-3925	124	16	important	important	ADJ
fsr-3925	124	17	.	.	PUNCT
fsr-3925	125	1	the	the	DET
fsr-3925	125	2	list	list	NOUN
fsr-3925	125	3	of	of	ADP
fsr-3925	125	4	considerations	consideration	NOUN
fsr-3925	125	5	was	be	AUX
fsr-3925	125	6	developed	develop	VERB
fsr-3925	125	7	from	from	ADP
fsr-3925	125	8	responses	response	NOUN
fsr-3925	125	9	given	give	VERB
fsr-3925	125	10	to	to	ADP
fsr-3925	125	11	an	an	DET
fsr-3925	125	12	open	open	ADV
fsr-3925	125	13	-	-	PUNCT
fsr-3925	125	14	ended	end	VERB
fsr-3925	125	15	question	question	NOUN
fsr-3925	125	16	asked	ask	VERB
fsr-3925	125	17	in	in	ADP
fsr-3925	125	18	round	round	NOUN
fsr-3925	125	19	one	one	NUM
fsr-3925	125	20	.	.	PUNCT
fsr-3925	126	1	the	the	DET
fsr-3925	126	2	mean	mean	ADJ
fsr-3925	126	3	,	,	PUNCT
fsr-3925	126	4	median	median	ADJ
fsr-3925	126	5	and	and	CCONJ
fsr-3925	126	6	modal	modal	ADJ
fsr-3925	126	7	ratings	rating	NOUN
fsr-3925	126	8	for	for	ADP
fsr-3925	126	9	these	these	DET
fsr-3925	126	10	considerations	consideration	NOUN
fsr-3925	126	11	are	be	AUX
fsr-3925	126	12	presented	present	VERB
fsr-3925	126	13	in	in	ADP
fsr-3925	126	14	table	table	NOUN
fsr-3925	126	15	1	1	NUM
fsr-3925	126	16	.	.	PUNCT
fsr-3925	127	1	in	in	ADP
fsr-3925	127	2	addition	addition	NOUN
fsr-3925	127	3	to	to	ADP
fsr-3925	127	4	rating	rating	NOUN
fsr-3925	127	5	each	each	PRON
fsr-3925	127	6	,	,	PUNCT
fsr-3925	127	7	the	the	DET
fsr-3925	127	8	participants	participant	NOUN
fsr-3925	127	9	were	be	AUX
fsr-3925	127	10	asked	ask	VERB
fsr-3925	127	11	to	to	PART
fsr-3925	127	12	identify	identify	VERB
fsr-3925	127	13	the	the	DET
fsr-3925	127	14	three	three	NUM
fsr-3925	127	15	considerations	consideration	NOUN
fsr-3925	127	16	that	that	PRON
fsr-3925	127	17	they	they	PRON
fsr-3925	127	18	believed	believe	VERB
fsr-3925	127	19	were	be	AUX
fsr-3925	127	20	most	most	ADV
fsr-3925	127	21	important	important	ADJ
fsr-3925	127	22	overall	overall	ADV
fsr-3925	127	23	.	.	PUNCT
fsr-3925	128	1	the	the	DET
fsr-3925	128	2	frequency	frequency	NOUN
fsr-3925	128	3	with	with	ADP
fsr-3925	128	4	which	which	PRON
fsr-3925	128	5	each	each	DET
fsr-3925	128	6	consideration	consideration	NOUN
fsr-3925	128	7	was	be	AUX
fsr-3925	128	8	listed	list	VERB
fsr-3925	128	9	in	in	ADP
fsr-3925	128	10	the	the	DET
fsr-3925	128	11	top	top	ADJ
fsr-3925	128	12	three	three	NUM
fsr-3925	128	13	is	be	AUX
fsr-3925	128	14	also	also	ADV
fsr-3925	128	15	included	include	VERB
fsr-3925	128	16	in	in	ADP
fsr-3925	128	17	table	table	NOUN
fsr-3925	128	18	1	1	NUM
fsr-3925	128	19	.	.	PUNCT
fsr-3925	129	1	the	the	DET
fsr-3925	129	2	factors	factor	NOUN
fsr-3925	129	3	that	that	PRON
fsr-3925	129	4	were	be	AUX
fsr-3925	129	5	considered	consider	VERB
fsr-3925	129	6	as	as	ADP
fsr-3925	129	7	most	most	ADV
fsr-3925	129	8	important	important	ADJ
fsr-3925	129	9	to	to	ADP
fsr-3925	129	10	the	the	DET
fsr-3925	129	11	panel	panel	NOUN
fsr-3925	129	12	of	of	ADP
fsr-3925	129	13	experts	expert	NOUN
fsr-3925	129	14	were	be	AUX
fsr-3925	129	15	available	available	ADJ
fsr-3925	129	16	income	income	NOUN
fsr-3925	129	17	sources	source	NOUN
fsr-3925	129	18	,	,	PUNCT
fsr-3925	129	19	availability	availability	NOUN
fsr-3925	129	20	of	of	ADP
fsr-3925	129	21	a	a	DET
fsr-3925	129	22	vested	vested	ADJ
fsr-3925	129	23	pension	pension	NOUN
fsr-3925	129	24	plan	plan	NOUN
fsr-3925	129	25	,	,	PUNCT
fsr-3925	129	26	availability	availability	NOUN
fsr-3925	129	27	of	of	ADP
fsr-3925	129	28	tax	tax	NOUN
fsr-3925	129	29	-	-	PUNCT
fsr-3925	129	30	deferred	defer	VERB
fsr-3925	129	31	plans	plan	NOUN
fsr-3925	129	32	,	,	PUNCT
fsr-3925	129	33	and	and	CCONJ
fsr-3925	129	34	availability	availability	NOUN
fsr-3925	129	35	of	of	ADP
fsr-3925	129	36	employer	employer	NOUN
fsr-3925	129	37	matching	match	VERB
fsr-3925	129	38	for	for	ADP
fsr-3925	129	39	building	build	VERB
fsr-3925	129	40	retirement	retirement	NOUN
fsr-3925	129	41	funds	fund	NOUN
fsr-3925	129	42	.	.	PUNCT
fsr-3925	130	1	an	an	DET
fsr-3925	130	2	exploratory	exploratory	ADJ
fsr-3925	130	3	factor	factor	NOUN
fsr-3925	130	4	analysis	analysis	NOUN
fsr-3925	130	5	was	be	AUX
fsr-3925	130	6	performed	perform	VERB
fsr-3925	130	7	on	on	ADP
fsr-3925	130	8	the	the	DET
fsr-3925	130	9	ratings	rating	NOUN
fsr-3925	130	10	of	of	ADP
fsr-3925	130	11	the	the	DET
fsr-3925	130	12	above	above	ADJ
fsr-3925	130	13	considerations	consideration	NOUN
fsr-3925	130	14	when	when	SCONJ
fsr-3925	130	15	planning	plan	VERB
fsr-3925	130	16	for	for	ADP
fsr-3925	130	17	retirement	retirement	NOUN
fsr-3925	130	18	to	to	PART
fsr-3925	130	19	determine	determine	VERB
fsr-3925	130	20	whether	whether	SCONJ
fsr-3925	130	21	there	there	PRON
fsr-3925	130	22	were	be	VERB
fsr-3925	130	23	any	any	DET
fsr-3925	130	24	global	global	ADJ
fsr-3925	130	25	concepts	concept	NOUN
fsr-3925	130	26	among	among	ADP
fsr-3925	130	27	the	the	DET
fsr-3925	130	28	13	13	NUM
fsr-3925	130	29	items	item	NOUN
fsr-3925	130	30	.	.	PUNCT
fsr-3925	131	1	in	in	ADP
fsr-3925	131	2	the	the	DET
fsr-3925	131	3	initial	initial	ADJ
fsr-3925	131	4	analysis	analysis	NOUN
fsr-3925	131	5	,	,	PUNCT
fsr-3925	131	6	three	three	NUM
fsr-3925	131	7	factors	factor	NOUN
fsr-3925	131	8	were	be	AUX
fsr-3925	131	9	observed	observe	VERB
fsr-3925	131	10	with	with	ADP
fsr-3925	131	11	eigen	eigen	PROPN
fsr-3925	131	12	values	value	NOUN
fsr-3925	131	13	that	that	PRON
fsr-3925	131	14	exceeded	exceed	VERB
fsr-3925	131	15	1.0	1.0	NUM
fsr-3925	131	16	.	.	PUNCT
fsr-3925	132	1	factor	factor	NOUN
fsr-3925	132	2	loadings	loading	NOUN
fsr-3925	132	3	are	be	AUX
fsr-3925	132	4	presented	present	VERB
fsr-3925	132	5	in	in	ADP
fsr-3925	132	6	table	table	NOUN
fsr-3925	132	7	2	2	NUM
fsr-3925	132	8	.	.	PUNCT
fsr-3925	132	9	factor	factor	NOUN
fsr-3925	132	10	1	1	NUM
fsr-3925	132	11	,	,	PUNCT
fsr-3925	132	12	which	which	PRON
fsr-3925	132	13	was	be	AUX
fsr-3925	132	14	named	name	VERB
fsr-3925	132	15	“	"	PUNCT
fsr-3925	132	16	availability	availability	NOUN
fsr-3925	132	17	of	of	ADP
fsr-3925	132	18	income	income	NOUN
fsr-3925	132	19	sources	source	NOUN
fsr-3925	132	20	,	,	PUNCT
fsr-3925	132	21	”	"	PUNCT
fsr-3925	132	22	had	have	VERB
fsr-3925	132	23	an	an	DET
fsr-3925	132	24	eigen	eigen	NOUN
fsr-3925	132	25	value	value	NOUN
fsr-3925	132	26	of	of	ADP
fsr-3925	132	27	3.9	3.9	NUM
fsr-3925	132	28	and	and	CCONJ
fsr-3925	132	29	explained	explain	VERB
fsr-3925	132	30	30	30	NUM
fsr-3925	132	31	%	%	NOUN
fsr-3925	132	32	of	of	ADP
fsr-3925	132	33	the	the	DET
fsr-3925	132	34	variance	variance	NOUN
fsr-3925	132	35	.	.	PUNCT
fsr-3925	133	1	this	this	DET
fsr-3925	133	2	factor	factor	NOUN
fsr-3925	133	3	included	include	VERB
fsr-3925	133	4	the	the	DET
fsr-3925	133	5	following	follow	VERB
fsr-3925	133	6	retirement	retirement	NOUN
fsr-3925	133	7	considerations	consideration	NOUN
fsr-3925	133	8	:	:	PUNCT
fsr-3925	133	9	availability	availability	NOUN
fsr-3925	133	10	of	of	ADP
fsr-3925	133	11	profit	profit	NOUN
fsr-3925	133	12	sharing	sharing	NOUN
fsr-3925	133	13	plan	plan	NOUN
fsr-3925	133	14	,	,	PUNCT
fsr-3925	133	15	vested	vested	ADJ
fsr-3925	133	16	pension	pension	NOUN
fsr-3925	133	17	plan	plan	NOUN
fsr-3925	133	18	,	,	PUNCT
fsr-3925	133	19	tax	tax	NOUN
fsr-3925	133	20	-	-	PUNCT
fsr-3925	133	21	deferred	defer	VERB
fsr-3925	133	22	plans	plan	NOUN
fsr-3925	133	23	,	,	PUNCT
fsr-3925	133	24	employer	employer	NOUN
fsr-3925	133	25	matching	matching	NOUN
fsr-3925	133	26	,	,	PUNCT
fsr-3925	133	27	and	and	CCONJ
fsr-3925	133	28	income	income	NOUN
fsr-3925	133	29	sources	source	NOUN
fsr-3925	133	30	.	.	PUNCT
fsr-3925	134	1	the	the	DET
fsr-3925	134	2	mean	mean	ADJ
fsr-3925	134	3	rating	rating	NOUN
fsr-3925	134	4	for	for	ADP
fsr-3925	134	5	factor	factor	NOUN
fsr-3925	134	6	1	1	NUM
fsr-3925	134	7	was	be	AUX
fsr-3925	134	8	4.5	4.5	NUM
fsr-3925	134	9	on	on	ADP
fsr-3925	134	10	the	the	DET
fsr-3925	134	11	5	5	NUM
fsr-3925	134	12	-	-	PUNCT
fsr-3925	134	13	point	point	NOUN
fsr-3925	134	14	likert	likert	ADJ
fsr-3925	134	15	scale	scale	NOUN
fsr-3925	134	16	for	for	ADP
fsr-3925	134	17	importance	importance	NOUN
fsr-3925	134	18	.	.	PUNCT
fsr-3925	135	1	the	the	DET
fsr-3925	135	2	mean	mean	ADJ
fsr-3925	135	3	ratings	rating	NOUN
fsr-3925	135	4	on	on	ADP
fsr-3925	135	5	this	this	DET
fsr-3925	135	6	factor	factor	NOUN
fsr-3925	135	7	differed	differ	VERB
fsr-3925	135	8	significantly	significantly	ADV
fsr-3925	135	9	(	(	PUNCT
fsr-3925	135	10	p	p	X
fsr-3925	135	11	,	,	PUNCT
fsr-3925	135	12	.01	.01	NUM
fsr-3925	135	13	)	)	PUNCT
fsr-3925	135	14	by	by	ADP
fsr-3925	135	15	gender	gender	NOUN
fsr-3925	135	16	with	with	ADP
fsr-3925	135	17	higher	high	ADJ
fsr-3925	135	18	importance	importance	NOUN
fsr-3925	135	19	assigned	assign	VERB
fsr-3925	135	20	to	to	ADP
fsr-3925	135	21	this	this	DET
fsr-3925	135	22	component	component	NOUN
fsr-3925	135	23	by	by	ADP
fsr-3925	135	24	women	woman	NOUN
fsr-3925	135	25	than	than	ADP
fsr-3925	135	26	men	man	NOUN
fsr-3925	135	27	.	.	PUNCT
fsr-3925	136	1	the	the	DET
fsr-3925	136	2	second	second	ADJ
fsr-3925	136	3	factor	factor	NOUN
fsr-3925	136	4	,	,	PUNCT
fsr-3925	136	5	which	which	PRON
fsr-3925	136	6	was	be	AUX
fsr-3925	136	7	named	name	VERB
fsr-3925	136	8	“	"	PUNCT
fsr-3925	136	9	needs	need	NOUN
fsr-3925	136	10	and	and	CCONJ
fsr-3925	136	11	changes	change	NOUN
fsr-3925	136	12	,	,	PUNCT
fsr-3925	136	13	”	"	PUNCT
fsr-3925	136	14	had	have	VERB
fsr-3925	136	15	an	an	DET
fsr-3925	136	16	eigen	eigen	NOUN
fsr-3925	136	17	value	value	NOUN
fsr-3925	136	18	of	of	ADP
fsr-3925	136	19	1.4	1.4	NUM
fsr-3925	136	20	and	and	CCONJ
fsr-3925	136	21	explained	explain	VERB
fsr-3925	136	22	11	11	NUM
fsr-3925	136	23	%	%	NOUN
fsr-3925	136	24	of	of	ADP
fsr-3925	136	25	the	the	DET
fsr-3925	136	26	variance	variance	NOUN
fsr-3925	136	27	.	.	PUNCT
fsr-3925	137	1	factor	factor	NOUN
fsr-3925	137	2	2	2	NUM
fsr-3925	137	3	was	be	AUX
fsr-3925	137	4	comprised	comprise	VERB
fsr-3925	137	5	of	of	ADP
fsr-3925	137	6	career	career	NOUN
fsr-3925	137	7	change	change	NOUN
fsr-3925	137	8	needs	need	NOUN
fsr-3925	137	9	,	,	PUNCT
fsr-3925	137	10	past	past	ADP
fsr-3925	137	11	job	job	NOUN
fsr-3925	137	12	stability	stability	NOUN
fsr-3925	137	13	/	/	SYM
fsr-3925	137	14	changes	change	NOUN
fsr-3925	137	15	,	,	PUNCT
fsr-3925	137	16	and	and	CCONJ
fsr-3925	137	17	conflicting	conflicting	ADJ
fsr-3925	137	18	goals	goal	NOUN
fsr-3925	137	19	.	.	PUNCT
fsr-3925	138	1	the	the	DET
fsr-3925	138	2	mean	mean	ADJ
fsr-3925	138	3	rating	rating	NOUN
fsr-3925	138	4	of	of	ADP
fsr-3925	138	5	the	the	DET
fsr-3925	138	6	overall	overall	ADJ
fsr-3925	138	7	panel	panel	NOUN
fsr-3925	138	8	was	be	AUX
fsr-3925	138	9	3.8	3.8	NUM
fsr-3925	138	10	on	on	ADP
fsr-3925	138	11	this	this	DET
fsr-3925	138	12	factor	factor	NOUN
fsr-3925	138	13	with	with	ADP
fsr-3925	138	14	women	woman	NOUN
fsr-3925	138	15	again	again	ADV
fsr-3925	138	16	assigning	assign	VERB
fsr-3925	138	17	significantly	significantly	ADV
fsr-3925	138	18	(	(	PUNCT
fsr-3925	138	19	p	p	X
fsr-3925	138	20	,	,	PUNCT
fsr-3925	138	21	.05	.05	NUM
fsr-3925	138	22	)	)	PUNCT
fsr-3925	138	23	higher	high	ADJ
fsr-3925	138	24	importance	importance	NOUN
fsr-3925	138	25	than	than	ADP
fsr-3925	138	26	men	man	NOUN
fsr-3925	138	27	to	to	ADP
fsr-3925	138	28	these	these	DET
fsr-3925	138	29	retirement	retirement	NOUN
fsr-3925	138	30	considerations	consideration	NOUN
fsr-3925	138	31	.	.	PUNCT
fsr-3925	139	1	the	the	DET
fsr-3925	139	2	third	third	ADJ
fsr-3925	139	3	factor	factor	NOUN
fsr-3925	139	4	was	be	AUX
fsr-3925	139	5	a	a	DET
fsr-3925	139	6	weak	weak	ADJ
fsr-3925	139	7	one	one	NOUN
fsr-3925	139	8	,	,	PUNCT
fsr-3925	139	9	having	have	VERB
fsr-3925	139	10	an	an	DET
fsr-3925	139	11	eigen	eigen	NOUN
fsr-3925	139	12	value	value	NOUN
fsr-3925	139	13	of	of	ADP
fsr-3925	139	14	0.7	0.7	NUM
fsr-3925	139	15	and	and	CCONJ
fsr-3925	139	16	explaining	explain	VERB
fsr-3925	139	17	only	only	ADV
fsr-3925	139	18	5	5	NUM
fsr-3925	139	19	%	%	NOUN
fsr-3925	139	20	of	of	ADP
fsr-3925	139	21	the	the	DET
fsr-3925	139	22	table	table	NOUN
fsr-3925	139	23	1	1	NUM
fsr-3925	139	24	important	important	ADJ
fsr-3925	139	25	considerations	consideration	NOUN
fsr-3925	139	26	when	when	SCONJ
fsr-3925	139	27	planning	plan	VERB
fsr-3925	139	28	for	for	ADP
fsr-3925	139	29	retirement	retirement	NOUN
fsr-3925	139	30	consideration	consideration	NOUN
fsr-3925	139	31	top	top	ADJ
fsr-3925	139	32	three	three	NUM
fsr-3925	139	33	frequency	frequency	NOUN
fsr-3925	139	34	mean	mean	NOUN
fsr-3925	139	35	rating	rating	NOUN
fsr-3925	139	36	*	*	PUNCT
fsr-3925	139	37	median	median	ADJ
fsr-3925	139	38	rating	rating	NOUN
fsr-3925	139	39	modal	modal	NOUN
fsr-3925	139	40	rating	rating	NOUN
fsr-3925	139	41	available	available	ADJ
fsr-3925	139	42	income	income	NOUN
fsr-3925	139	43	sources	source	NOUN
fsr-3925	139	44	103	103	NUM
fsr-3925	139	45	4.7	4.7	NUM
fsr-3925	139	46	5	5	NUM
fsr-3925	139	47	5	5	NUM
fsr-3925	139	48	availability	availability	NOUN
fsr-3925	139	49	of	of	ADP
fsr-3925	139	50	a	a	DET
fsr-3925	139	51	vested	vested	ADJ
fsr-3925	139	52	pension	pension	NOUN
fsr-3925	139	53	plan	plan	NOUN
fsr-3925	139	54	88	88	NUM
fsr-3925	139	55	4.6	4.6	NUM
fsr-3925	139	56	5	5	NUM
fsr-3925	139	57	5	5	NUM
fsr-3925	139	58	availability	availability	NOUN
fsr-3925	139	59	of	of	ADP
fsr-3925	139	60	tax	tax	NOUN
fsr-3925	139	61	-	-	PUNCT
fsr-3925	139	62	deferred	defer	VERB
fsr-3925	139	63	plans	plan	NOUN
fsr-3925	139	64	64	64	NUM
fsr-3925	139	65	4.4	4.4	NUM
fsr-3925	139	66	4	4	NUM
fsr-3925	139	67	4	4	NUM
fsr-3925	139	68	availability	availability	NOUN
fsr-3925	139	69	of	of	ADP
fsr-3925	139	70	employer	employer	NOUN
fsr-3925	139	71	matching	match	VERB
fsr-3925	139	72	for	for	ADP
fsr-3925	139	73	building	build	VERB
fsr-3925	139	74	retirement	retirement	NOUN
fsr-3925	139	75	funds	fund	NOUN
fsr-3925	139	76	46	46	NUM
fsr-3925	139	77	4.4	4.4	NUM
fsr-3925	139	78	5	5	NUM
fsr-3925	139	79	5	5	NUM
fsr-3925	139	80	availability	availability	NOUN
fsr-3925	139	81	of	of	ADP
fsr-3925	139	82	profit	profit	NOUN
fsr-3925	139	83	-	-	PUNCT
fsr-3925	139	84	sharing	share	VERB
fsr-3925	139	85	plan	plan	NOUN
fsr-3925	139	86	19	19	NUM
fsr-3925	139	87	4.3	4.3	NUM
fsr-3925	139	88	4	4	NUM
fsr-3925	139	89	4	4	NUM
fsr-3925	139	90	need	need	VERB
fsr-3925	139	91	to	to	PART
fsr-3925	139	92	meet	meet	VERB
fsr-3925	139	93	other	other	ADJ
fsr-3925	139	94	conflicting	conflicting	ADJ
fsr-3925	139	95	goals	goal	NOUN
fsr-3925	139	96	(	(	PUNCT
fsr-3925	139	97	especially	especially	ADV
fsr-3925	139	98	children	child	NOUN
fsr-3925	139	99	’s	’s	PART
fsr-3925	139	100	education	education	NOUN
fsr-3925	139	101	)	)	PUNCT
fsr-3925	139	102	41	41	NUM
fsr-3925	139	103	4.1	4.1	NUM
fsr-3925	139	104	4	4	NUM
fsr-3925	139	105	4	4	NUM
fsr-3925	139	106	eligibility	eligibility	NOUN
fsr-3925	139	107	for	for	ADP
fsr-3925	139	108	social	social	ADJ
fsr-3925	139	109	security	security	NOUN
fsr-3925	139	110	31	31	NUM
fsr-3925	139	111	4.0	4.0	NUM
fsr-3925	139	112	4	4	NUM
fsr-3925	139	113	4	4	NUM
fsr-3925	139	114	past	past	ADJ
fsr-3925	139	115	job	job	NOUN
fsr-3925	139	116	stability	stability	NOUN
fsr-3925	139	117	and	and	CCONJ
fsr-3925	139	118	changes	change	NOUN
fsr-3925	139	119	17	17	NUM
fsr-3925	139	120	3.8	3.8	NUM
fsr-3925	139	121	4	4	NUM
fsr-3925	139	122	4	4	NUM
fsr-3925	139	123	potential	potential	NOUN
fsr-3925	139	124	to	to	PART
fsr-3925	139	125	continue	continue	VERB
fsr-3925	139	126	working	work	VERB
fsr-3925	139	127	on	on	ADP
fsr-3925	139	128	a	a	DET
fsr-3925	139	129	part	part	ADJ
fsr-3925	139	130	-	-	PUNCT
fsr-3925	139	131	time	time	NOUN
fsr-3925	139	132	basis	basis	NOUN
fsr-3925	139	133	12	12	NUM
fsr-3925	139	134	3.6	3.6	NUM
fsr-3925	139	135	4	4	NUM
fsr-3925	139	136	4	4	NUM
fsr-3925	139	137	need	need	NOUN
fsr-3925	139	138	to	to	PART
fsr-3925	139	139	change	change	VERB
fsr-3925	139	140	career	career	NOUN
fsr-3925	139	141	3	3	NUM
fsr-3925	139	142	3.4	3.4	NUM
fsr-3925	139	143	3	3	NUM
fsr-3925	139	144	3	3	NUM
fsr-3925	139	145	potential	potential	NOUN
fsr-3925	139	146	for	for	ADP
fsr-3925	139	147	a	a	DET
fsr-3925	139	148	life	life	NOUN
fsr-3925	139	149	insurance	insurance	NOUN
fsr-3925	139	150	buy	buy	NOUN
fsr-3925	139	151	-	-	PUNCT
fsr-3925	139	152	out	out	NOUN
fsr-3925	139	153	0	0	NUM
fsr-3925	139	154	3.0	3.0	NUM
fsr-3925	139	155	3	3	NUM
fsr-3925	139	156	3	3	NUM
fsr-3925	139	157	potential	potential	NOUN
fsr-3925	139	158	for	for	ADP
fsr-3925	139	159	receiving	receive	VERB
fsr-3925	139	160	an	an	DET
fsr-3925	139	161	inheritance	inheritance	NOUN
fsr-3925	139	162	4	4	NUM
fsr-3925	139	163	3.0	3.0	NUM
fsr-3925	139	164	4	4	NUM
fsr-3925	139	165	3	3	NUM
fsr-3925	139	166	potential	potential	NOUN
fsr-3925	139	167	for	for	ADP
fsr-3925	139	168	use	use	NOUN
fsr-3925	139	169	of	of	ADP
fsr-3925	139	170	reverse	reverse	ADJ
fsr-3925	139	171	mortgage	mortgage	NOUN
fsr-3925	139	172	1	1	NUM
fsr-3925	139	173	2.8	2.8	NUM
fsr-3925	139	174	3	3	NUM
fsr-3925	139	175	3	3	NUM
fsr-3925	139	176	*	*	PUNCT
fsr-3925	139	177	rating	rating	NOUN
fsr-3925	139	178	scale	scale	NOUN
fsr-3925	139	179	:	:	PUNCT
fsr-3925	139	180	15	15	NUM
fsr-3925	139	181	very	very	ADV
fsr-3925	139	182	important	important	ADJ
fsr-3925	139	183	,	,	PUNCT
fsr-3925	139	184	25	25	NUM
fsr-3925	139	185	unimportant	unimportant	ADJ
fsr-3925	139	186	,	,	PUNCT
fsr-3925	139	187	35	35	NUM
fsr-3925	139	188	uncertain	uncertain	ADJ
fsr-3925	139	189	,	,	PUNCT
fsr-3925	139	190	45	45	NUM
fsr-3925	139	191	important	important	ADJ
fsr-3925	139	192	,	,	PUNCT
fsr-3925	139	193	55	55	NUM
fsr-3925	139	194	very	very	ADV
fsr-3925	139	195	important	important	ADJ
fsr-3925	139	196	.	.	PUNCT
fsr-3925	140	1	238	238	NUM
fsr-3925	140	2	s.a	s.a	PROPN
fsr-3925	140	3	.	.	PROPN
fsr-3925	140	4	greninger	greninger	PROPN
fsr-3925	140	5	et	et	PROPN
fsr-3925	140	6	al	al	PROPN
fsr-3925	140	7	.	.	PUNCT
fsr-3925	140	8	/	/	SYM
fsr-3925	140	9	financial	financial	ADJ
fsr-3925	140	10	services	service	NOUN
fsr-3925	140	11	review	review	VERB
fsr-3925	140	12	9	9	NUM
fsr-3925	140	13	(	(	PUNCT
fsr-3925	140	14	2000	2000	NUM
fsr-3925	140	15	)	)	PUNCT
fsr-3925	140	16	231–245	231–245	NUM
fsr-3925	140	17	variance	variance	NOUN
fsr-3925	140	18	.	.	PUNCT
fsr-3925	141	1	this	this	DET
fsr-3925	141	2	factor	factor	NOUN
fsr-3925	141	3	was	be	AUX
fsr-3925	141	4	named	name	VERB
fsr-3925	141	5	“	"	PUNCT
fsr-3925	141	6	potential	potential	ADJ
fsr-3925	141	7	resources	resource	NOUN
fsr-3925	141	8	”	"	PUNCT
fsr-3925	141	9	and	and	CCONJ
fsr-3925	141	10	included	include	VERB
fsr-3925	141	11	the	the	DET
fsr-3925	141	12	following	follow	VERB
fsr-3925	141	13	retirement	retirement	NOUN
fsr-3925	141	14	considerations	consideration	NOUN
fsr-3925	141	15	:	:	PUNCT
fsr-3925	141	16	reverse	reverse	NOUN
fsr-3925	141	17	mortgages	mortgage	NOUN
fsr-3925	141	18	,	,	PUNCT
fsr-3925	141	19	insurance	insurance	NOUN
fsr-3925	141	20	buyouts	buyout	NOUN
fsr-3925	141	21	,	,	PUNCT
fsr-3925	141	22	part	part	ADJ
fsr-3925	141	23	-	-	PUNCT
fsr-3925	141	24	time	time	NOUN
fsr-3925	141	25	employment	employment	NOUN
fsr-3925	141	26	,	,	PUNCT
fsr-3925	141	27	social	social	ADJ
fsr-3925	141	28	security	security	NOUN
fsr-3925	141	29	eligibility	eligibility	NOUN
fsr-3925	141	30	,	,	PUNCT
fsr-3925	141	31	and	and	CCONJ
fsr-3925	141	32	inheritances	inheritance	NOUN
fsr-3925	141	33	.	.	PUNCT
fsr-3925	142	1	the	the	DET
fsr-3925	142	2	mean	mean	ADJ
fsr-3925	142	3	rating	rating	NOUN
fsr-3925	142	4	on	on	ADP
fsr-3925	142	5	factor	factor	NOUN
fsr-3925	142	6	3	3	NUM
fsr-3925	142	7	on	on	ADP
fsr-3925	142	8	the	the	DET
fsr-3925	142	9	overall	overall	ADJ
fsr-3925	142	10	panel	panel	NOUN
fsr-3925	142	11	was	be	AUX
fsr-3925	142	12	3.3	3.3	NUM
fsr-3925	142	13	.	.	PUNCT
fsr-3925	143	1	in	in	ADP
fsr-3925	143	2	this	this	DET
fsr-3925	143	3	case	case	NOUN
fsr-3925	143	4	,	,	PUNCT
fsr-3925	143	5	the	the	DET
fsr-3925	143	6	mean	mean	ADJ
fsr-3925	143	7	rating	rating	NOUN
fsr-3925	143	8	was	be	AUX
fsr-3925	143	9	significantly	significantly	ADV
fsr-3925	143	10	(	(	PUNCT
fsr-3925	143	11	p	p	X
fsr-3925	143	12	,	,	PUNCT
fsr-3925	143	13	.05	.05	NUM
fsr-3925	143	14	)	)	PUNCT
fsr-3925	143	15	higher	high	ADJ
fsr-3925	143	16	for	for	ADP
fsr-3925	143	17	educators	educator	NOUN
fsr-3925	143	18	than	than	ADP
fsr-3925	143	19	planners	planner	NOUN
fsr-3925	143	20	.	.	PUNCT
fsr-3925	144	1	4.2	4.2	NUM
fsr-3925	144	2	.	.	PUNCT
fsr-3925	145	1	conflicting	conflict	VERB
fsr-3925	145	2	goals	goal	NOUN
fsr-3925	145	3	in	in	ADP
fsr-3925	145	4	round	round	NOUN
fsr-3925	145	5	two	two	NUM
fsr-3925	145	6	,	,	PUNCT
fsr-3925	145	7	respondents	respondent	NOUN
fsr-3925	145	8	were	be	AUX
fsr-3925	145	9	asked	ask	VERB
fsr-3925	145	10	to	to	PART
fsr-3925	145	11	rate	rate	VERB
fsr-3925	145	12	other	other	ADJ
fsr-3925	145	13	goals	goal	NOUN
fsr-3925	145	14	on	on	ADP
fsr-3925	145	15	the	the	DET
fsr-3925	145	16	likelihood	likelihood	NOUN
fsr-3925	145	17	that	that	SCONJ
fsr-3925	145	18	they	they	PRON
fsr-3925	145	19	might	might	AUX
fsr-3925	145	20	be	be	AUX
fsr-3925	145	21	perceived	perceive	VERB
fsr-3925	145	22	as	as	ADP
fsr-3925	145	23	more	more	ADV
fsr-3925	145	24	important	important	ADJ
fsr-3925	145	25	than	than	ADP
fsr-3925	145	26	retirement	retirement	NOUN
fsr-3925	145	27	planning	planning	NOUN
fsr-3925	145	28	for	for	ADP
fsr-3925	145	29	the	the	DET
fsr-3925	145	30	typical	typical	ADJ
fsr-3925	145	31	family	family	NOUN
fsr-3925	145	32	.	.	PUNCT
fsr-3925	146	1	again	again	ADV
fsr-3925	146	2	a	a	DET
fsr-3925	146	3	5	5	NUM
fsr-3925	146	4	-	-	PUNCT
fsr-3925	146	5	point	point	NOUN
fsr-3925	146	6	scale	scale	NOUN
fsr-3925	146	7	was	be	AUX
fsr-3925	146	8	used	use	VERB
fsr-3925	146	9	with	with	ADP
fsr-3925	146	10	15	15	NUM
fsr-3925	146	11	very	very	ADV
fsr-3925	146	12	unlikely	unlikely	ADJ
fsr-3925	146	13	,	,	PUNCT
fsr-3925	146	14	25	25	NUM
fsr-3925	146	15	unlikely	unlikely	ADJ
fsr-3925	146	16	,	,	PUNCT
fsr-3925	146	17	3	3	NUM
fsr-3925	146	18	5	5	NUM
fsr-3925	146	19	uncertain	uncertain	ADJ
fsr-3925	146	20	,	,	PUNCT
fsr-3925	146	21	45	45	NUM
fsr-3925	146	22	likely	likely	ADJ
fsr-3925	146	23	,	,	PUNCT
fsr-3925	146	24	and	and	CCONJ
fsr-3925	146	25	55	55	NUM
fsr-3925	146	26	very	very	ADV
fsr-3925	146	27	likely	likely	ADV
fsr-3925	146	28	.	.	PUNCT
fsr-3925	147	1	the	the	DET
fsr-3925	147	2	mean	mean	ADJ
fsr-3925	147	3	ratings	rating	NOUN
fsr-3925	147	4	of	of	ADP
fsr-3925	147	5	the	the	DET
fsr-3925	147	6	panel	panel	NOUN
fsr-3925	147	7	for	for	ADP
fsr-3925	147	8	these	these	DET
fsr-3925	147	9	goals	goal	NOUN
fsr-3925	147	10	are	be	AUX
fsr-3925	147	11	presented	present	VERB
fsr-3925	147	12	in	in	ADP
fsr-3925	147	13	table	table	NOUN
fsr-3925	147	14	3	3	NUM
fsr-3925	147	15	.	.	PUNCT
fsr-3925	147	16	children	child	NOUN
fsr-3925	147	17	’s	’s	PART
fsr-3925	147	18	education	education	NOUN
fsr-3925	147	19	received	receive	VERB
fsr-3925	147	20	the	the	DET
fsr-3925	147	21	highest	high	ADJ
fsr-3925	147	22	mean	mean	ADJ
fsr-3925	147	23	rating	rating	NOUN
fsr-3925	147	24	,	,	PUNCT
fsr-3925	147	25	indicating	indicate	VERB
fsr-3925	147	26	it	it	PRON
fsr-3925	147	27	was	be	AUX
fsr-3925	147	28	perceived	perceive	VERB
fsr-3925	147	29	as	as	ADP
fsr-3925	147	30	the	the	DET
fsr-3925	147	31	most	most	ADV
fsr-3925	147	32	likely	likely	ADJ
fsr-3925	147	33	goal	goal	NOUN
fsr-3925	147	34	to	to	PART
fsr-3925	147	35	conflict	conflict	VERB
fsr-3925	147	36	with	with	ADP
fsr-3925	147	37	retirement	retirement	NOUN
fsr-3925	147	38	planning	planning	NOUN
fsr-3925	147	39	.	.	PUNCT
fsr-3925	148	1	the	the	DET
fsr-3925	148	2	other	other	ADJ
fsr-3925	148	3	goal	goal	NOUN
fsr-3925	148	4	with	with	ADP
fsr-3925	148	5	a	a	DET
fsr-3925	148	6	relatively	relatively	ADV
fsr-3925	148	7	high	high	ADJ
fsr-3925	148	8	table	table	NOUN
fsr-3925	148	9	2	2	NUM
fsr-3925	148	10	component	component	NOUN
fsr-3925	148	11	loadings	loading	NOUN
fsr-3925	148	12	of	of	ADP
fsr-3925	148	13	retirement	retirement	NOUN
fsr-3925	148	14	planning	planning	NOUN
fsr-3925	148	15	considerations	consideration	NOUN
fsr-3925	148	16	considerations	consideration	NOUN
fsr-3925	148	17	factor	factor	NOUN
fsr-3925	148	18	1	1	NUM
fsr-3925	148	19	availability	availability	NOUN
fsr-3925	148	20	of	of	ADP
fsr-3925	148	21	income	income	NOUN
fsr-3925	148	22	sources	source	NOUN
fsr-3925	148	23	factor	factor	VERB
fsr-3925	148	24	2	2	NUM
fsr-3925	148	25	needs	need	NOUN
fsr-3925	148	26	&	&	CCONJ
fsr-3925	148	27	changes	change	NOUN
fsr-3925	148	28	factor	factor	NOUN
fsr-3925	148	29	3	3	NUM
fsr-3925	148	30	potential	potential	ADJ
fsr-3925	148	31	resources	resource	NOUN
fsr-3925	148	32	availability	availability	NOUN
fsr-3925	148	33	of	of	ADP
fsr-3925	148	34	:	:	PUNCT
fsr-3925	148	35	profit	profit	NOUN
fsr-3925	148	36	-	-	PUNCT
fsr-3925	148	37	sharing	share	VERB
fsr-3925	148	38	plan	plan	NOUN
fsr-3925	148	39	.80	.80	NUM
fsr-3925	148	40	.10	.10	NUM
fsr-3925	148	41	.01	.01	NUM
fsr-3925	148	42	vested	vested	ADJ
fsr-3925	148	43	pension	pension	NOUN
fsr-3925	148	44	plan	plan	NOUN
fsr-3925	148	45	.76	.76	NUM
fsr-3925	148	46	.15	.15	NUM
fsr-3925	148	47	.10	.10	NUM
fsr-3925	148	48	tax	tax	NOUN
fsr-3925	148	49	-	-	PUNCT
fsr-3925	148	50	deferred	defer	VERB
fsr-3925	148	51	plan	plan	NOUN
fsr-3925	148	52	.73	.73	NUM
fsr-3925	148	53	.13	.13	NUM
fsr-3925	148	54	.11	.11	NUM
fsr-3925	148	55	employer	employer	NOUN
fsr-3925	148	56	matching	matching	NOUN
fsr-3925	148	57	funds	fund	NOUN
fsr-3925	148	58	.69	.69	NUM
fsr-3925	148	59	.34	.34	NUM
fsr-3925	148	60	.10	.10	NUM
fsr-3925	148	61	income	income	NOUN
fsr-3925	148	62	sources	source	NOUN
fsr-3925	148	63	.59	.59	NUM
fsr-3925	148	64	.15	.15	NUM
fsr-3925	148	65	.13	.13	NUM
fsr-3925	148	66	need	need	VERB
fsr-3925	148	67	to	to	PART
fsr-3925	148	68	change	change	VERB
fsr-3925	148	69	careers	career	NOUN
fsr-3925	148	70	.11	.11	NUM
fsr-3925	148	71	.88	.88	NUM
fsr-3925	148	72	.29	.29	NUM
fsr-3925	148	73	past	past	ADJ
fsr-3925	148	74	job	job	NOUN
fsr-3925	148	75	stability	stability	NOUN
fsr-3925	148	76	/	/	SYM
fsr-3925	148	77	changes	change	VERB
fsr-3925	148	78	.24	.24	NUM
fsr-3925	148	79	.49	.49	NUM
fsr-3925	148	80	.15	.15	NUM
fsr-3925	148	81	need	need	VERB
fsr-3925	148	82	to	to	PART
fsr-3925	148	83	meet	meet	VERB
fsr-3925	148	84	other	other	ADJ
fsr-3925	148	85	conflicting	conflicting	ADJ
fsr-3925	148	86	goals	goal	NOUN
fsr-3925	148	87	.32	.32	NUM
fsr-3925	148	88	.46	.46	NUM
fsr-3925	148	89	.14	.14	NUM
fsr-3925	148	90	potential	potential	NOUN
fsr-3925	148	91	for	for	ADP
fsr-3925	148	92	:	:	PUNCT
fsr-3925	148	93	reverse	reverse	VERB
fsr-3925	148	94	mortgage	mortgage	NOUN
fsr-3925	148	95	usage	usage	NOUN
fsr-3925	148	96	.01	.01	NUM
fsr-3925	148	97	2.04	2.04	NUM
fsr-3925	148	98	.62	.62	NUM
fsr-3925	148	99	life	life	NOUN
fsr-3925	148	100	-	-	PUNCT
fsr-3925	148	101	insurance	insurance	NOUN
fsr-3925	148	102	buyout	buyout	NOUN
fsr-3925	148	103	2.05	2.05	NUM
fsr-3925	148	104	.23	.23	NUM
fsr-3925	148	105	.62	.62	NUM
fsr-3925	148	106	part	part	ADJ
fsr-3925	148	107	-	-	PUNCT
fsr-3925	148	108	time	time	NOUN
fsr-3925	148	109	employment	employment	NOUN
fsr-3925	148	110	.19	.19	NUM
fsr-3925	148	111	.28	.28	NUM
fsr-3925	148	112	.53	.53	NUM
fsr-3925	148	113	social	social	ADJ
fsr-3925	148	114	security	security	NOUN
fsr-3925	148	115	eligibility	eligibility	NOUN
fsr-3925	148	116	.29	.29	NUM
fsr-3925	148	117	.13	.13	NUM
fsr-3925	148	118	.40	.40	NUM
fsr-3925	148	119	inheritance	inheritance	NOUN
fsr-3925	148	120	availability	availability	NOUN
fsr-3925	148	121	.10	.10	NUM
fsr-3925	148	122	.15	.15	NUM
fsr-3925	148	123	.38	.38	NUM
fsr-3925	148	124	eigen	eigen	PROPN
fsr-3925	148	125	value	value	NOUN
fsr-3925	148	126	3.9	3.9	NUM
fsr-3925	148	127	1.4	1.4	NUM
fsr-3925	148	128	0.7	0.7	NUM
fsr-3925	148	129	%	%	NOUN
fsr-3925	148	130	of	of	ADP
fsr-3925	148	131	variance	variance	NOUN
fsr-3925	148	132	30.0	30.0	NUM
fsr-3925	148	133	11.1	11.1	NUM
fsr-3925	148	134	5.0	5.0	NUM
fsr-3925	148	135	table	table	NOUN
fsr-3925	148	136	3	3	NUM
fsr-3925	148	137	other	other	ADJ
fsr-3925	148	138	goals	goal	NOUN
fsr-3925	148	139	that	that	PRON
fsr-3925	148	140	potentially	potentially	ADV
fsr-3925	148	141	conflict	conflict	NOUN
fsr-3925	148	142	with	with	ADP
fsr-3925	148	143	retirement	retirement	NOUN
fsr-3925	148	144	planning	planning	NOUN
fsr-3925	148	145	goal	goal	NOUN
fsr-3925	148	146	mean	mean	VERB
fsr-3925	148	147	rating	rating	NOUN
fsr-3925	148	148	*	*	PUNCT
fsr-3925	148	149	median	median	ADJ
fsr-3925	148	150	mode	mode	NOUN
fsr-3925	148	151	college	college	NOUN
fsr-3925	148	152	education	education	NOUN
fsr-3925	148	153	for	for	ADP
fsr-3925	148	154	children	child	NOUN
fsr-3925	148	155	4.5	4.5	NUM
fsr-3925	148	156	5	5	NUM
fsr-3925	148	157	5	5	NUM
fsr-3925	148	158	maintenance	maintenance	NOUN
fsr-3925	148	159	of	of	ADP
fsr-3925	148	160	current	current	ADJ
fsr-3925	148	161	standard	standard	NOUN
fsr-3925	148	162	of	of	ADP
fsr-3925	148	163	living	live	VERB
fsr-3925	148	164	4.3	4.3	NUM
fsr-3925	148	165	4	4	NUM
fsr-3925	148	166	4	4	NUM
fsr-3925	148	167	better	well	ADJ
fsr-3925	148	168	house	house	NOUN
fsr-3925	148	169	or	or	CCONJ
fsr-3925	148	170	second	second	ADJ
fsr-3925	148	171	home	home	NOUN
fsr-3925	148	172	3.7	3.7	NUM
fsr-3925	148	173	4	4	NUM
fsr-3925	148	174	4	4	NUM
fsr-3925	148	175	vacation	vacation	NOUN
fsr-3925	148	176	and	and	CCONJ
fsr-3925	148	177	travel	travel	VERB
fsr-3925	148	178	3.6	3.6	NUM
fsr-3925	148	179	4	4	NUM
fsr-3925	148	180	4	4	NUM
fsr-3925	148	181	resources	resource	NOUN
fsr-3925	148	182	to	to	PART
fsr-3925	148	183	change	change	VERB
fsr-3925	148	184	career	career	NOUN
fsr-3925	148	185	3.3	3.3	NUM
fsr-3925	148	186	3	3	NUM
fsr-3925	148	187	3	3	NUM
fsr-3925	148	188	estate	estate	NOUN
fsr-3925	148	189	preservation	preservation	NOUN
fsr-3925	148	190	3.0	3.0	NUM
fsr-3925	148	191	3	3	NUM
fsr-3925	148	192	3	3	NUM
fsr-3925	148	193	*	*	PUNCT
fsr-3925	148	194	rating	rating	NOUN
fsr-3925	148	195	scale	scale	NOUN
fsr-3925	148	196	:	:	PUNCT
fsr-3925	148	197	15	15	NUM
fsr-3925	148	198	very	very	ADV
fsr-3925	148	199	unlikely	unlikely	ADJ
fsr-3925	148	200	,	,	PUNCT
fsr-3925	148	201	25	25	NUM
fsr-3925	148	202	unlikely	unlikely	ADJ
fsr-3925	148	203	,	,	PUNCT
fsr-3925	148	204	3	3	NUM
fsr-3925	148	205	5	5	NUM
fsr-3925	148	206	uncertain	uncertain	ADJ
fsr-3925	148	207	,	,	PUNCT
fsr-3925	148	208	45	45	NUM
fsr-3925	148	209	likely	likely	ADJ
fsr-3925	148	210	,	,	PUNCT
fsr-3925	148	211	5	5	NUM
fsr-3925	148	212	5	5	NUM
fsr-3925	148	213	very	very	ADV
fsr-3925	148	214	likely	likely	ADJ
fsr-3925	148	215	.	.	PUNCT
fsr-3925	149	1	239s.a	239s.a	NUM
fsr-3925	149	2	.	.	PUNCT
fsr-3925	149	3	greninger	greninger	NOUN
fsr-3925	149	4	et	et	PROPN
fsr-3925	149	5	al	al	PROPN
fsr-3925	149	6	.	.	PUNCT
fsr-3925	149	7	/	/	SYM
fsr-3925	149	8	financial	financial	ADJ
fsr-3925	149	9	services	service	NOUN
fsr-3925	149	10	review	review	VERB
fsr-3925	149	11	9	9	NUM
fsr-3925	149	12	(	(	PUNCT
fsr-3925	149	13	2000	2000	NUM
fsr-3925	149	14	)	)	PUNCT
fsr-3925	150	1	231–245	231–245	NUM
fsr-3925	150	2	probability	probability	NOUN
fsr-3925	150	3	of	of	ADP
fsr-3925	150	4	negatively	negatively	ADV
fsr-3925	150	5	impacting	impact	VERB
fsr-3925	150	6	retirement	retirement	NOUN
fsr-3925	150	7	planning	planning	NOUN
fsr-3925	150	8	was	be	AUX
fsr-3925	150	9	maintenance	maintenance	NOUN
fsr-3925	150	10	of	of	ADP
fsr-3925	150	11	current	current	ADJ
fsr-3925	150	12	living	living	NOUN
fsr-3925	150	13	standards	standard	NOUN
fsr-3925	150	14	.	.	PUNCT
fsr-3925	151	1	when	when	SCONJ
fsr-3925	151	2	the	the	DET
fsr-3925	151	3	ratings	rating	NOUN
fsr-3925	151	4	for	for	ADP
fsr-3925	151	5	these	these	DET
fsr-3925	151	6	goals	goal	NOUN
fsr-3925	151	7	where	where	SCONJ
fsr-3925	151	8	factor	factor	NOUN
fsr-3925	151	9	analyzed	analyze	VERB
fsr-3925	151	10	,	,	PUNCT
fsr-3925	151	11	two	two	NUM
fsr-3925	151	12	factors	factor	NOUN
fsr-3925	151	13	emerged	emerge	VERB
fsr-3925	151	14	.	.	PUNCT
fsr-3925	152	1	these	these	DET
fsr-3925	152	2	two	two	NUM
fsr-3925	152	3	factors	factor	NOUN
fsr-3925	152	4	were	be	AUX
fsr-3925	152	5	named	name	VERB
fsr-3925	152	6	“	"	PUNCT
fsr-3925	152	7	maintaining	maintain	VERB
fsr-3925	152	8	the	the	DET
fsr-3925	152	9	good	good	ADJ
fsr-3925	152	10	life	life	NOUN
fsr-3925	152	11	”	"	PUNCT
fsr-3925	152	12	and	and	CCONJ
fsr-3925	152	13	“	"	PUNCT
fsr-3925	152	14	future	future	ADJ
fsr-3925	152	15	security	security	NOUN
fsr-3925	152	16	.	.	PUNCT
fsr-3925	152	17	”	"	PUNCT
fsr-3925	153	1	the	the	DET
fsr-3925	153	2	first	first	ADJ
fsr-3925	153	3	one	one	NOUN
fsr-3925	153	4	had	have	VERB
fsr-3925	153	5	an	an	DET
fsr-3925	153	6	eigen	eigen	NOUN
fsr-3925	153	7	value	value	NOUN
fsr-3925	153	8	of	of	ADP
fsr-3925	153	9	1.5	1.5	NUM
fsr-3925	153	10	and	and	CCONJ
fsr-3925	153	11	explained	explain	VERB
fsr-3925	153	12	26	26	NUM
fsr-3925	153	13	%	%	NOUN
fsr-3925	153	14	of	of	ADP
fsr-3925	153	15	the	the	DET
fsr-3925	153	16	variance	variance	NOUN
fsr-3925	153	17	.	.	PUNCT
fsr-3925	154	1	this	this	DET
fsr-3925	154	2	“	"	PUNCT
fsr-3925	154	3	good	good	ADJ
fsr-3925	154	4	life	life	NOUN
fsr-3925	154	5	”	"	PUNCT
fsr-3925	154	6	factor	factor	NOUN
fsr-3925	154	7	included	include	VERB
fsr-3925	154	8	the	the	DET
fsr-3925	154	9	following	follow	VERB
fsr-3925	154	10	goals	goal	NOUN
fsr-3925	154	11	:	:	PUNCT
fsr-3925	154	12	vacations	vacation	NOUN
fsr-3925	154	13	and	and	CCONJ
fsr-3925	154	14	travel	travel	NOUN
fsr-3925	154	15	,	,	PUNCT
fsr-3925	154	16	better	well	ADJ
fsr-3925	154	17	house	house	NOUN
fsr-3925	154	18	or	or	CCONJ
fsr-3925	154	19	second	second	ADJ
fsr-3925	154	20	home	home	NOUN
fsr-3925	154	21	,	,	PUNCT
fsr-3925	154	22	and	and	CCONJ
fsr-3925	154	23	maintenance	maintenance	NOUN
fsr-3925	154	24	of	of	ADP
fsr-3925	154	25	current	current	ADJ
fsr-3925	154	26	living	living	NOUN
fsr-3925	154	27	standard	standard	NOUN
fsr-3925	154	28	.	.	PUNCT
fsr-3925	155	1	the	the	DET
fsr-3925	155	2	mean	mean	ADJ
fsr-3925	155	3	rating	rating	NOUN
fsr-3925	155	4	on	on	ADP
fsr-3925	155	5	this	this	DET
fsr-3925	155	6	factor	factor	NOUN
fsr-3925	155	7	for	for	ADP
fsr-3925	155	8	the	the	DET
fsr-3925	155	9	overall	overall	ADJ
fsr-3925	155	10	panel	panel	NOUN
fsr-3925	155	11	of	of	ADP
fsr-3925	155	12	experts	expert	NOUN
fsr-3925	155	13	was	be	AUX
fsr-3925	155	14	3.9	3.9	NUM
fsr-3925	155	15	.	.	PUNCT
fsr-3925	156	1	the	the	DET
fsr-3925	156	2	“	"	PUNCT
fsr-3925	156	3	future	future	ADJ
fsr-3925	156	4	security	security	NOUN
fsr-3925	156	5	”	"	PUNCT
fsr-3925	156	6	factor	factor	NOUN
fsr-3925	156	7	had	have	VERB
fsr-3925	156	8	an	an	DET
fsr-3925	156	9	eigen	eigen	NOUN
fsr-3925	156	10	value	value	NOUN
fsr-3925	156	11	of	of	ADP
fsr-3925	156	12	only	only	ADV
fsr-3925	156	13	0.8	0.8	NUM
fsr-3925	156	14	and	and	CCONJ
fsr-3925	156	15	explained	explain	VERB
fsr-3925	156	16	13	13	NUM
fsr-3925	156	17	%	%	NOUN
fsr-3925	156	18	of	of	ADP
fsr-3925	156	19	the	the	DET
fsr-3925	156	20	variance	variance	NOUN
fsr-3925	156	21	.	.	PUNCT
fsr-3925	157	1	the	the	DET
fsr-3925	157	2	goals	goal	NOUN
fsr-3925	157	3	included	include	VERB
fsr-3925	157	4	in	in	ADP
fsr-3925	157	5	this	this	DET
fsr-3925	157	6	factor	factor	NOUN
fsr-3925	157	7	included	include	VERB
fsr-3925	157	8	the	the	DET
fsr-3925	157	9	need	need	NOUN
fsr-3925	157	10	to	to	PART
fsr-3925	157	11	change	change	VERB
fsr-3925	157	12	careers	career	NOUN
fsr-3925	157	13	,	,	PUNCT
fsr-3925	157	14	preserve	preserve	VERB
fsr-3925	157	15	one	one	NUM
fsr-3925	157	16	’s	’s	PART
fsr-3925	157	17	estate	estate	NOUN
fsr-3925	157	18	,	,	PUNCT
fsr-3925	157	19	and	and	CCONJ
fsr-3925	157	20	pay	pay	VERB
fsr-3925	157	21	for	for	ADP
fsr-3925	157	22	children	child	NOUN
fsr-3925	157	23	’s	’s	PART
fsr-3925	157	24	college	college	NOUN
fsr-3925	157	25	education	education	NOUN
fsr-3925	157	26	.	.	PUNCT
fsr-3925	158	1	this	this	DET
fsr-3925	158	2	factor	factor	NOUN
fsr-3925	158	3	’s	’s	PART
fsr-3925	158	4	mean	mean	NOUN
fsr-3925	158	5	was	be	AUX
fsr-3925	158	6	3.6	3.6	NUM
fsr-3925	158	7	for	for	ADP
fsr-3925	158	8	the	the	DET
fsr-3925	158	9	entire	entire	ADJ
fsr-3925	158	10	panel	panel	NOUN
fsr-3925	158	11	,	,	PUNCT
fsr-3925	158	12	with	with	ADP
fsr-3925	158	13	educators	educator	NOUN
fsr-3925	158	14	rating	rate	VERB
fsr-3925	158	15	this	this	DET
fsr-3925	158	16	factor	factor	NOUN
fsr-3925	158	17	significantly	significantly	ADV
fsr-3925	158	18	(	(	PUNCT
fsr-3925	158	19	p	p	X
fsr-3925	158	20	,	,	PUNCT
fsr-3925	158	21	.05	.05	NUM
fsr-3925	158	22	)	)	PUNCT
fsr-3925	158	23	higher	high	ADJ
fsr-3925	158	24	than	than	ADP
fsr-3925	158	25	planners	planner	NOUN
fsr-3925	158	26	.	.	PUNCT
fsr-3925	159	1	4.3	4.3	NUM
fsr-3925	159	2	.	.	PUNCT
fsr-3925	159	3	retirement	retirement	NOUN
fsr-3925	159	4	needs	needs	PROPN
fsr-3925	159	5	assumptions	assumption	VERB
fsr-3925	159	6	two	two	NUM
fsr-3925	159	7	key	key	ADJ
fsr-3925	159	8	planning	planning	NOUN
fsr-3925	159	9	assumptions	assumption	NOUN
fsr-3925	159	10	used	use	VERB
fsr-3925	159	11	in	in	ADP
fsr-3925	159	12	retirement	retirement	NOUN
fsr-3925	159	13	needs	need	NOUN
fsr-3925	159	14	analyses	analysis	NOUN
fsr-3925	159	15	are	be	AUX
fsr-3925	159	16	the	the	DET
fsr-3925	159	17	expected	expect	VERB
fsr-3925	159	18	rates	rate	NOUN
fsr-3925	159	19	of	of	ADP
fsr-3925	159	20	inflation	inflation	NOUN
fsr-3925	159	21	and	and	CCONJ
fsr-3925	159	22	investment	investment	NOUN
fsr-3925	159	23	return	return	NOUN
fsr-3925	159	24	.	.	PUNCT
fsr-3925	160	1	when	when	SCONJ
fsr-3925	160	2	asked	ask	VERB
fsr-3925	160	3	about	about	ADP
fsr-3925	160	4	the	the	DET
fsr-3925	160	5	appropriate	appropriate	ADJ
fsr-3925	160	6	rate	rate	NOUN
fsr-3925	160	7	of	of	ADP
fsr-3925	160	8	inflation	inflation	NOUN
fsr-3925	160	9	to	to	PART
fsr-3925	160	10	use	use	VERB
fsr-3925	160	11	for	for	ADP
fsr-3925	160	12	retirement	retirement	NOUN
fsr-3925	160	13	planning	planning	NOUN
fsr-3925	160	14	,	,	PUNCT
fsr-3925	160	15	round	round	VERB
fsr-3925	160	16	two	two	NUM
fsr-3925	160	17	respondents	respondent	NOUN
fsr-3925	160	18	reported	report	VERB
fsr-3925	160	19	a	a	DET
fsr-3925	160	20	range	range	NOUN
fsr-3925	160	21	of	of	ADP
fsr-3925	160	22	2–10	2–10	NOUN
fsr-3925	160	23	%	%	NOUN
fsr-3925	160	24	with	with	ADP
fsr-3925	160	25	the	the	DET
fsr-3925	160	26	mean	mean	NOUN
fsr-3925	160	27	being	be	AUX
fsr-3925	160	28	4.3	4.3	NUM
fsr-3925	160	29	%	%	NOUN
fsr-3925	160	30	.	.	PUNCT
fsr-3925	161	1	the	the	DET
fsr-3925	161	2	most	most	ADV
fsr-3925	161	3	common	common	ADJ
fsr-3925	161	4	response	response	NOUN
fsr-3925	161	5	was	be	AUX
fsr-3925	161	6	4	4	NUM
fsr-3925	161	7	%	%	NOUN
fsr-3925	161	8	inflation	inflation	NOUN
fsr-3925	161	9	,	,	PUNCT
fsr-3925	161	10	indicated	indicate	VERB
fsr-3925	161	11	by	by	ADP
fsr-3925	161	12	35	35	NUM
fsr-3925	161	13	%	%	NOUN
fsr-3925	161	14	of	of	ADP
fsr-3925	161	15	the	the	DET
fsr-3925	161	16	respondents	respondent	NOUN
fsr-3925	161	17	.	.	PUNCT
fsr-3925	162	1	slightly	slightly	ADV
fsr-3925	162	2	less	less	ADJ
fsr-3925	162	3	than	than	ADP
fsr-3925	162	4	one	one	NUM
fsr-3925	162	5	-	-	PUNCT
fsr-3925	162	6	fourth	fourth	NOUN
fsr-3925	162	7	of	of	ADP
fsr-3925	162	8	the	the	DET
fsr-3925	162	9	experts	expert	NOUN
fsr-3925	162	10	said	say	VERB
fsr-3925	162	11	5	5	NUM
fsr-3925	162	12	%	%	NOUN
fsr-3925	162	13	,	,	PUNCT
fsr-3925	162	14	while	while	SCONJ
fsr-3925	162	15	14	14	NUM
fsr-3925	162	16	%	%	NOUN
fsr-3925	162	17	said	say	VERB
fsr-3925	162	18	3	3	NUM
fsr-3925	162	19	%	%	NOUN
fsr-3925	162	20	inflation	inflation	NOUN
fsr-3925	162	21	.	.	PUNCT
fsr-3925	163	1	when	when	SCONJ
fsr-3925	163	2	asked	ask	VERB
fsr-3925	163	3	how	how	SCONJ
fsr-3925	163	4	they	they	PRON
fsr-3925	163	5	decided	decide	VERB
fsr-3925	163	6	on	on	ADP
fsr-3925	163	7	the	the	DET
fsr-3925	163	8	rate	rate	NOUN
fsr-3925	163	9	to	to	PART
fsr-3925	163	10	use	use	VERB
fsr-3925	163	11	,	,	PUNCT
fsr-3925	163	12	almost	almost	ADV
fsr-3925	163	13	seven	seven	NUM
fsr-3925	163	14	-	-	PUNCT
fsr-3925	163	15	tenths	tenth	NOUN
fsr-3925	163	16	of	of	ADP
fsr-3925	163	17	the	the	DET
fsr-3925	163	18	participants	participant	NOUN
fsr-3925	163	19	said	say	VERB
fsr-3925	163	20	they	they	PRON
fsr-3925	163	21	used	use	VERB
fsr-3925	163	22	an	an	DET
fsr-3925	163	23	average	average	ADJ
fsr-3925	163	24	rate	rate	NOUN
fsr-3925	163	25	over	over	ADP
fsr-3925	163	26	time	time	NOUN
fsr-3925	163	27	as	as	ADP
fsr-3925	163	28	their	their	PRON
fsr-3925	163	29	assumed	assume	VERB
fsr-3925	163	30	inflation	inflation	NOUN
fsr-3925	163	31	rate	rate	NOUN
fsr-3925	163	32	for	for	ADP
fsr-3925	163	33	retirement	retirement	NOUN
fsr-3925	163	34	planning	planning	NOUN
fsr-3925	163	35	.	.	PUNCT
fsr-3925	164	1	one	one	NUM
fsr-3925	164	2	-	-	PUNCT
fsr-3925	164	3	fourth	fourth	NOUN
fsr-3925	164	4	indicated	indicate	VERB
fsr-3925	164	5	they	they	PRON
fsr-3925	164	6	used	use	VERB
fsr-3925	164	7	their	their	PRON
fsr-3925	164	8	client	client	NOUN
fsr-3925	164	9	’s	’s	PART
fsr-3925	164	10	preference	preference	NOUN
fsr-3925	164	11	,	,	PUNCT
fsr-3925	164	12	and	and	CCONJ
fsr-3925	164	13	6	6	NUM
fsr-3925	164	14	%	%	NOUN
fsr-3925	164	15	said	say	VERB
fsr-3925	164	16	they	they	PRON
fsr-3925	164	17	used	use	VERB
fsr-3925	164	18	the	the	DET
fsr-3925	164	19	current	current	ADJ
fsr-3925	164	20	rate	rate	NOUN
fsr-3925	164	21	of	of	ADP
fsr-3925	164	22	inflation	inflation	NOUN
fsr-3925	164	23	.	.	PUNCT
fsr-3925	165	1	in	in	ADP
fsr-3925	165	2	round	round	NOUN
fsr-3925	165	3	three	three	NUM
fsr-3925	165	4	,	,	PUNCT
fsr-3925	165	5	the	the	DET
fsr-3925	165	6	participants	participant	NOUN
fsr-3925	165	7	were	be	AUX
fsr-3925	165	8	asked	ask	VERB
fsr-3925	165	9	to	to	PART
fsr-3925	165	10	rate	rate	VERB
fsr-3925	165	11	their	their	PRON
fsr-3925	165	12	agreement	agreement	NOUN
fsr-3925	165	13	on	on	ADP
fsr-3925	165	14	a	a	DET
fsr-3925	165	15	5	5	NUM
fsr-3925	165	16	-	-	PUNCT
fsr-3925	165	17	point	point	NOUN
fsr-3925	165	18	likert	likert	ADJ
fsr-3925	165	19	scale	scale	NOUN
fsr-3925	165	20	with	with	ADP
fsr-3925	165	21	the	the	DET
fsr-3925	165	22	following	follow	VERB
fsr-3925	165	23	two	two	NUM
fsr-3925	165	24	statements	statement	NOUN
fsr-3925	165	25	:	:	PUNCT
fsr-3925	165	26	(	(	PUNCT
fsr-3925	165	27	1	1	X
fsr-3925	165	28	)	)	PUNCT
fsr-3925	165	29	the	the	DET
fsr-3925	165	30	rate	rate	NOUN
fsr-3925	165	31	of	of	ADP
fsr-3925	165	32	inflation	inflation	NOUN
fsr-3925	165	33	used	use	VERB
fsr-3925	165	34	for	for	ADP
fsr-3925	165	35	retirement	retirement	NOUN
fsr-3925	165	36	planning	planning	NOUN
fsr-3925	165	37	should	should	AUX
fsr-3925	165	38	be	be	AUX
fsr-3925	165	39	based	base	VERB
fsr-3925	165	40	on	on	ADP
fsr-3925	165	41	an	an	DET
fsr-3925	165	42	average	average	ADJ
fsr-3925	165	43	rate	rate	NOUN
fsr-3925	165	44	of	of	ADP
fsr-3925	165	45	inflation	inflation	NOUN
fsr-3925	165	46	over	over	ADP
fsr-3925	165	47	time	time	NOUN
fsr-3925	165	48	.	.	PUNCT
fsr-3925	166	1	(	(	PUNCT
fsr-3925	166	2	2	2	X
fsr-3925	166	3	)	)	PUNCT
fsr-3925	166	4	four	four	NUM
fsr-3925	166	5	percentage	percentage	NOUN
fsr-3925	166	6	is	be	AUX
fsr-3925	166	7	currently	currently	ADV
fsr-3925	166	8	an	an	DET
fsr-3925	166	9	appropriate	appropriate	ADJ
fsr-3925	166	10	rate	rate	NOUN
fsr-3925	166	11	of	of	ADP
fsr-3925	166	12	inflation	inflation	NOUN
fsr-3925	166	13	to	to	PART
fsr-3925	166	14	use	use	VERB
fsr-3925	166	15	in	in	ADP
fsr-3925	166	16	retirement	retirement	NOUN
fsr-3925	166	17	planning	planning	NOUN
fsr-3925	166	18	projections	projection	NOUN
fsr-3925	166	19	.	.	PUNCT
fsr-3925	167	1	the	the	DET
fsr-3925	167	2	mean	mean	ADJ
fsr-3925	167	3	ratings	rating	NOUN
fsr-3925	167	4	for	for	ADP
fsr-3925	167	5	these	these	DET
fsr-3925	167	6	two	two	NUM
fsr-3925	167	7	statements	statement	NOUN
fsr-3925	167	8	were	be	AUX
fsr-3925	167	9	4.3	4.3	NUM
fsr-3925	167	10	and	and	CCONJ
fsr-3925	167	11	3.8	3.8	NUM
fsr-3925	167	12	,	,	PUNCT
fsr-3925	167	13	respectively	respectively	ADV
fsr-3925	167	14	.	.	PUNCT
fsr-3925	168	1	approximately	approximately	ADV
fsr-3925	168	2	nine	nine	NUM
fsr-3925	168	3	-	-	PUNCT
fsr-3925	168	4	tenths	tenth	NOUN
fsr-3925	168	5	of	of	ADP
fsr-3925	168	6	the	the	DET
fsr-3925	168	7	experts	expert	NOUN
fsr-3925	168	8	agreed	agree	VERB
fsr-3925	168	9	with	with	ADP
fsr-3925	168	10	the	the	DET
fsr-3925	168	11	first	first	ADJ
fsr-3925	168	12	statement	statement	NOUN
fsr-3925	168	13	,	,	PUNCT
fsr-3925	168	14	while	while	SCONJ
fsr-3925	168	15	4	4	NUM
fsr-3925	168	16	%	%	NOUN
fsr-3925	168	17	disagreed	disagree	VERB
fsr-3925	168	18	,	,	PUNCT
fsr-3925	168	19	and	and	CCONJ
fsr-3925	168	20	6	6	NUM
fsr-3925	168	21	%	%	NOUN
fsr-3925	168	22	were	be	AUX
fsr-3925	168	23	uncertain	uncertain	ADJ
fsr-3925	168	24	.	.	PUNCT
fsr-3925	169	1	although	although	SCONJ
fsr-3925	169	2	the	the	DET
fsr-3925	169	3	mean	mean	NOUN
fsr-3925	169	4	rating	rating	NOUN
fsr-3925	169	5	was	be	AUX
fsr-3925	169	6	lower	low	ADJ
fsr-3925	169	7	for	for	ADP
fsr-3925	169	8	the	the	DET
fsr-3925	169	9	second	second	ADJ
fsr-3925	169	10	statement	statement	NOUN
fsr-3925	169	11	,	,	PUNCT
fsr-3925	169	12	almost	almost	ADV
fsr-3925	169	13	three	three	NUM
fsr-3925	169	14	-	-	PUNCT
fsr-3925	169	15	fourths	fourth	NOUN
fsr-3925	169	16	of	of	ADP
fsr-3925	169	17	the	the	DET
fsr-3925	169	18	participants	participant	NOUN
fsr-3925	169	19	agreed	agree	VERB
fsr-3925	169	20	at	at	ADP
fsr-3925	169	21	some	some	DET
fsr-3925	169	22	level	level	NOUN
fsr-3925	169	23	with	with	ADP
fsr-3925	169	24	this	this	DET
fsr-3925	169	25	statement	statement	NOUN
fsr-3925	169	26	;	;	PUNCT
fsr-3925	169	27	12	12	NUM
fsr-3925	169	28	%	%	NOUN
fsr-3925	169	29	disagreed	disagree	VERB
fsr-3925	169	30	and	and	CCONJ
fsr-3925	169	31	15	15	NUM
fsr-3925	169	32	%	%	NOUN
fsr-3925	169	33	were	be	AUX
fsr-3925	169	34	uncertain	uncertain	ADJ
fsr-3925	169	35	.	.	PUNCT
fsr-3925	170	1	based	base	VERB
fsr-3925	170	2	on	on	ADP
fsr-3925	170	3	long	long	ADJ
fsr-3925	170	4	-	-	PUNCT
fsr-3925	170	5	term	term	NOUN
fsr-3925	170	6	inflation	inflation	NOUN
fsr-3925	170	7	data	datum	NOUN
fsr-3925	170	8	from	from	ADP
fsr-3925	170	9	ibbotson	ibbotson	PROPN
fsr-3925	170	10	associates	associates	PROPN
fsr-3925	170	11	(	(	PUNCT
fsr-3925	170	12	2000	2000	NUM
fsr-3925	170	13	)	)	PUNCT
fsr-3925	170	14	,	,	PUNCT
fsr-3925	170	15	participants	participant	NOUN
fsr-3925	170	16	were	be	AUX
fsr-3925	170	17	consistent	consistent	ADJ
fsr-3925	170	18	in	in	ADP
fsr-3925	170	19	their	their	PRON
fsr-3925	170	20	responses	response	NOUN
fsr-3925	170	21	.	.	PUNCT
fsr-3925	171	1	over	over	ADP
fsr-3925	171	2	the	the	DET
fsr-3925	171	3	period	period	NOUN
fsr-3925	171	4	from	from	ADP
fsr-3925	171	5	1926	1926	NUM
fsr-3925	171	6	to	to	ADP
fsr-3925	171	7	1999	1999	NUM
fsr-3925	171	8	,	,	PUNCT
fsr-3925	171	9	inflation	inflation	NOUN
fsr-3925	171	10	has	have	AUX
fsr-3925	171	11	averaged	average	VERB
fsr-3925	171	12	3	3	NUM
fsr-3925	171	13	%	%	NOUN
fsr-3925	171	14	annually	annually	ADV
fsr-3925	171	15	;	;	PUNCT
fsr-3925	171	16	however	however	ADV
fsr-3925	171	17	,	,	PUNCT
fsr-3925	171	18	the	the	DET
fsr-3925	171	19	most	most	ADV
fsr-3925	171	20	recent	recent	ADJ
fsr-3925	171	21	20	20	NUM
fsr-3925	171	22	-	-	PUNCT
fsr-3925	171	23	year	year	NOUN
fsr-3925	171	24	period	period	NOUN
fsr-3925	171	25	has	have	AUX
fsr-3925	171	26	averaged	average	VERB
fsr-3925	171	27	4	4	NUM
fsr-3925	171	28	%	%	NOUN
fsr-3925	171	29	annually	annually	ADV
fsr-3925	171	30	.	.	PUNCT
fsr-3925	172	1	looking	look	VERB
fsr-3925	172	2	at	at	ADP
fsr-3925	172	3	20	20	NUM
fsr-3925	172	4	-	-	PUNCT
fsr-3925	172	5	year	year	NOUN
fsr-3925	172	6	rolling	rolling	ADJ
fsr-3925	172	7	periods	period	NOUN
fsr-3925	172	8	starting	start	VERB
fsr-3925	172	9	with	with	ADP
fsr-3925	172	10	1960	1960	NUM
fsr-3925	172	11	,	,	PUNCT
fsr-3925	172	12	there	there	PRON
fsr-3925	172	13	are	be	VERB
fsr-3925	172	14	several	several	ADJ
fsr-3925	172	15	that	that	PRON
fsr-3925	172	16	produce	produce	VERB
fsr-3925	172	17	average	average	ADJ
fsr-3925	172	18	annual	annual	ADJ
fsr-3925	172	19	rates	rate	NOUN
fsr-3925	172	20	of	of	ADP
fsr-3925	172	21	inflation	inflation	NOUN
fsr-3925	172	22	of	of	ADP
fsr-3925	172	23	5–6	5–6	NOUN
fsr-3925	172	24	%	%	NOUN
fsr-3925	172	25	.	.	PUNCT
fsr-3925	173	1	regarding	regard	VERB
fsr-3925	173	2	expected	expect	VERB
fsr-3925	173	3	investment	investment	NOUN
fsr-3925	173	4	returns	return	NOUN
fsr-3925	173	5	,	,	PUNCT
fsr-3925	173	6	the	the	DET
fsr-3925	173	7	recommended	recommend	VERB
fsr-3925	173	8	rate	rate	NOUN
fsr-3925	173	9	for	for	ADP
fsr-3925	173	10	retirement	retirement	NOUN
fsr-3925	173	11	planning	planning	NOUN
fsr-3925	173	12	reported	report	VERB
fsr-3925	173	13	in	in	ADP
fsr-3925	173	14	round	round	ADJ
fsr-3925	173	15	two	two	NUM
fsr-3925	173	16	ranged	range	VERB
fsr-3925	173	17	from	from	ADP
fsr-3925	173	18	2	2	NUM
fsr-3925	173	19	to	to	PART
fsr-3925	173	20	12	12	NUM
fsr-3925	173	21	%	%	NOUN
fsr-3925	173	22	with	with	ADP
fsr-3925	173	23	both	both	CCONJ
fsr-3925	173	24	the	the	DET
fsr-3925	173	25	median	median	ADJ
fsr-3925	173	26	and	and	CCONJ
fsr-3925	173	27	modal	modal	ADJ
fsr-3925	173	28	responses	response	NOUN
fsr-3925	173	29	being	be	AUX
fsr-3925	173	30	8	8	NUM
fsr-3925	173	31	%	%	NOUN
fsr-3925	173	32	.	.	PUNCT
fsr-3925	174	1	when	when	SCONJ
fsr-3925	174	2	asked	ask	VERB
fsr-3925	174	3	how	how	SCONJ
fsr-3925	174	4	the	the	DET
fsr-3925	174	5	investment	investment	NOUN
fsr-3925	174	6	rate	rate	NOUN
fsr-3925	174	7	of	of	ADP
fsr-3925	174	8	return	return	NOUN
fsr-3925	174	9	was	be	AUX
fsr-3925	174	10	determined	determine	VERB
fsr-3925	174	11	,	,	PUNCT
fsr-3925	174	12	respondents	respondent	NOUN
fsr-3925	174	13	said	say	VERB
fsr-3925	174	14	that	that	SCONJ
fsr-3925	174	15	this	this	DET
fsr-3925	174	16	rate	rate	NOUN
fsr-3925	174	17	was	be	AUX
fsr-3925	174	18	based	base	VERB
fsr-3925	174	19	on	on	ADP
fsr-3925	174	20	factors	factor	NOUN
fsr-3925	174	21	such	such	ADJ
fsr-3925	174	22	as	as	ADP
fsr-3925	174	23	the	the	DET
fsr-3925	174	24	historical	historical	ADJ
fsr-3925	174	25	rate	rate	NOUN
fsr-3925	174	26	of	of	ADP
fsr-3925	174	27	return	return	NOUN
fsr-3925	174	28	;	;	PUNCT
fsr-3925	174	29	the	the	DET
fsr-3925	174	30	type	type	NOUN
fsr-3925	174	31	of	of	ADP
fsr-3925	174	32	assets	asset	NOUN
fsr-3925	174	33	in	in	ADP
fsr-3925	174	34	a	a	DET
fsr-3925	174	35	portfolio	portfolio	NOUN
fsr-3925	174	36	;	;	PUNCT
fsr-3925	174	37	client	client	NOUN
fsr-3925	174	38	preferences	preference	NOUN
fsr-3925	174	39	,	,	PUNCT
fsr-3925	174	40	risk	risk	NOUN
fsr-3925	174	41	tolerances	tolerance	NOUN
fsr-3925	174	42	,	,	PUNCT
fsr-3925	174	43	and	and	CCONJ
fsr-3925	174	44	timeframe	timeframe	NOUN
fsr-3925	174	45	;	;	PUNCT
fsr-3925	174	46	inflation	inflation	NOUN
fsr-3925	174	47	;	;	PUNCT
fsr-3925	174	48	and	and	CCONJ
fsr-3925	174	49	taxes	taxis	NOUN
fsr-3925	174	50	.	.	PUNCT
fsr-3925	175	1	in	in	ADP
fsr-3925	175	2	round	round	NOUN
fsr-3925	175	3	240	240	NUM
fsr-3925	175	4	s.a	s.a	PROPN
fsr-3925	175	5	.	.	PROPN
fsr-3925	175	6	greninger	greninger	PROPN
fsr-3925	175	7	et	et	PROPN
fsr-3925	175	8	al	al	PROPN
fsr-3925	175	9	.	.	PUNCT
fsr-3925	175	10	/	/	SYM
fsr-3925	175	11	financial	financial	ADJ
fsr-3925	175	12	services	service	NOUN
fsr-3925	175	13	review	review	VERB
fsr-3925	175	14	9	9	NUM
fsr-3925	175	15	(	(	PUNCT
fsr-3925	175	16	2000	2000	NUM
fsr-3925	175	17	)	)	PUNCT
fsr-3925	175	18	231–245	231–245	NUM
fsr-3925	175	19	three	three	NUM
fsr-3925	175	20	,	,	PUNCT
fsr-3925	175	21	the	the	DET
fsr-3925	175	22	panel	panel	NOUN
fsr-3925	175	23	of	of	ADP
fsr-3925	175	24	experts	expert	NOUN
fsr-3925	175	25	overwhelmingly	overwhelmingly	ADV
fsr-3925	175	26	agreed	agree	VERB
fsr-3925	175	27	(	(	PUNCT
fsr-3925	175	28	94	94	NUM
fsr-3925	175	29	%	%	NOUN
fsr-3925	175	30	)	)	PUNCT
fsr-3925	175	31	that	that	SCONJ
fsr-3925	175	32	inflation	inflation	NOUN
fsr-3925	175	33	and	and	CCONJ
fsr-3925	175	34	taxes	taxis	NOUN
fsr-3925	175	35	should	should	AUX
fsr-3925	175	36	be	be	AUX
fsr-3925	175	37	considered	consider	VERB
fsr-3925	175	38	when	when	SCONJ
fsr-3925	175	39	projecting	project	VERB
fsr-3925	175	40	investment	investment	NOUN
fsr-3925	175	41	return	return	NOUN
fsr-3925	175	42	for	for	ADP
fsr-3925	175	43	retirement	retirement	NOUN
fsr-3925	175	44	planning	planning	NOUN
fsr-3925	175	45	purposes	purpose	NOUN
fsr-3925	175	46	,	,	PUNCT
fsr-3925	175	47	resulting	result	VERB
fsr-3925	175	48	in	in	ADP
fsr-3925	175	49	a	a	DET
fsr-3925	175	50	mean	mean	ADJ
fsr-3925	175	51	rating	rating	NOUN
fsr-3925	175	52	of	of	ADP
fsr-3925	175	53	4.5	4.5	NUM
fsr-3925	175	54	on	on	ADP
fsr-3925	175	55	the	the	DET
fsr-3925	175	56	5	5	NUM
fsr-3925	175	57	-	-	PUNCT
fsr-3925	175	58	point	point	NOUN
fsr-3925	175	59	scale	scale	NOUN
fsr-3925	175	60	.	.	PUNCT
fsr-3925	176	1	there	there	PRON
fsr-3925	176	2	was	be	VERB
fsr-3925	176	3	a	a	DET
fsr-3925	176	4	similar	similar	ADJ
fsr-3925	176	5	percentage	percentage	NOUN
fsr-3925	176	6	(	(	PUNCT
fsr-3925	176	7	95	95	NUM
fsr-3925	176	8	%	%	NOUN
fsr-3925	176	9	)	)	PUNCT
fsr-3925	176	10	who	who	PRON
fsr-3925	176	11	agreed	agree	VERB
fsr-3925	176	12	that	that	SCONJ
fsr-3925	176	13	the	the	DET
fsr-3925	176	14	investment	investment	NOUN
fsr-3925	176	15	rate	rate	NOUN
fsr-3925	176	16	of	of	ADP
fsr-3925	176	17	return	return	NOUN
fsr-3925	176	18	used	use	VERB
fsr-3925	176	19	in	in	ADP
fsr-3925	176	20	retirement	retirement	NOUN
fsr-3925	176	21	planning	planning	NOUN
fsr-3925	176	22	should	should	AUX
fsr-3925	176	23	be	be	AUX
fsr-3925	176	24	based	base	VERB
fsr-3925	176	25	on	on	ADP
fsr-3925	176	26	client	client	NOUN
fsr-3925	176	27	preferences	preference	NOUN
fsr-3925	176	28	,	,	PUNCT
fsr-3925	176	29	risk	risk	NOUN
fsr-3925	176	30	tolerance	tolerance	NOUN
fsr-3925	176	31	,	,	PUNCT
fsr-3925	176	32	and	and	CCONJ
fsr-3925	176	33	time	time	NOUN
fsr-3925	176	34	frame	frame	NOUN
fsr-3925	176	35	as	as	ADV
fsr-3925	176	36	well	well	ADV
fsr-3925	176	37	as	as	ADP
fsr-3925	176	38	on	on	ADP
fsr-3925	176	39	the	the	DET
fsr-3925	176	40	historical	historical	ADJ
fsr-3925	176	41	rate	rate	NOUN
fsr-3925	176	42	of	of	ADP
fsr-3925	176	43	return	return	NOUN
fsr-3925	176	44	on	on	ADP
fsr-3925	176	45	assets	asset	NOUN
fsr-3925	176	46	in	in	ADP
fsr-3925	176	47	the	the	DET
fsr-3925	176	48	client	client	NOUN
fsr-3925	176	49	’s	’s	PART
fsr-3925	176	50	portfolio	portfolio	NOUN
fsr-3925	176	51	;	;	PUNCT
fsr-3925	176	52	the	the	DET
fsr-3925	176	53	mean	mean	ADJ
fsr-3925	176	54	rating	rating	NOUN
fsr-3925	176	55	on	on	ADP
fsr-3925	176	56	this	this	DET
fsr-3925	176	57	statement	statement	NOUN
fsr-3925	176	58	was	be	AUX
fsr-3925	176	59	also	also	ADV
fsr-3925	176	60	4.5	4.5	NUM
fsr-3925	176	61	.	.	PUNCT
fsr-3925	177	1	only	only	ADV
fsr-3925	177	2	2	2	NUM
fsr-3925	177	3	%	%	NOUN
fsr-3925	177	4	of	of	ADP
fsr-3925	177	5	the	the	DET
fsr-3925	177	6	experts	expert	NOUN
fsr-3925	177	7	disagreed	disagree	VERB
fsr-3925	177	8	with	with	ADP
fsr-3925	177	9	these	these	DET
fsr-3925	177	10	two	two	NUM
fsr-3925	177	11	planning	planning	NOUN
fsr-3925	177	12	assumptions	assumption	NOUN
fsr-3925	177	13	.	.	PUNCT
fsr-3925	178	1	in	in	ADP
fsr-3925	178	2	round	round	NOUN
fsr-3925	178	3	three	three	NUM
fsr-3925	178	4	,	,	PUNCT
fsr-3925	178	5	the	the	DET
fsr-3925	178	6	mean	mean	ADJ
fsr-3925	178	7	annual	annual	ADJ
fsr-3925	178	8	rate	rate	NOUN
fsr-3925	178	9	of	of	ADP
fsr-3925	178	10	investment	investment	NOUN
fsr-3925	178	11	return	return	NOUN
fsr-3925	178	12	deemed	deem	VERB
fsr-3925	178	13	appropriate	appropriate	ADJ
fsr-3925	178	14	for	for	ADP
fsr-3925	178	15	retirement	retirement	NOUN
fsr-3925	178	16	planning	planning	NOUN
fsr-3925	178	17	purposes	purpose	NOUN
fsr-3925	178	18	before	before	SCONJ
fsr-3925	178	19	inflation	inflation	NOUN
fsr-3925	178	20	and	and	CCONJ
fsr-3925	178	21	taxes	taxis	NOUN
fsr-3925	178	22	are	be	AUX
fsr-3925	178	23	taken	take	VERB
fsr-3925	178	24	into	into	ADP
fsr-3925	178	25	account	account	NOUN
fsr-3925	178	26	was	be	AUX
fsr-3925	178	27	8.5	8.5	NUM
fsr-3925	178	28	%	%	NOUN
fsr-3925	178	29	for	for	ADP
fsr-3925	178	30	overall	overall	ADJ
fsr-3925	178	31	investments	investment	NOUN
fsr-3925	178	32	.	.	PUNCT
fsr-3925	179	1	this	this	PRON
fsr-3925	179	2	was	be	AUX
fsr-3925	179	3	a	a	DET
fsr-3925	179	4	little	little	ADV
fsr-3925	179	5	higher	high	ADJ
fsr-3925	179	6	than	than	ADP
fsr-3925	179	7	the	the	DET
fsr-3925	179	8	comparable	comparable	ADJ
fsr-3925	179	9	mean	mean	NOUN
fsr-3925	179	10	in	in	ADP
fsr-3925	179	11	round	round	NOUN
fsr-3925	179	12	two	two	NUM
fsr-3925	179	13	.	.	PUNCT
fsr-3925	180	1	for	for	ADP
fsr-3925	180	2	specific	specific	ADJ
fsr-3925	180	3	asset	asset	NOUN
fsr-3925	180	4	classes	class	NOUN
fsr-3925	180	5	,	,	PUNCT
fsr-3925	180	6	the	the	DET
fsr-3925	180	7	means	mean	NOUN
fsr-3925	180	8	in	in	ADP
fsr-3925	180	9	round	round	ADJ
fsr-3925	180	10	three	three	NUM
fsr-3925	180	11	were	be	AUX
fsr-3925	180	12	4.3	4.3	NUM
fsr-3925	180	13	%	%	NOUN
fsr-3925	180	14	for	for	ADP
fsr-3925	180	15	cash	cash	NOUN
fsr-3925	180	16	equivalents	equivalent	NOUN
fsr-3925	180	17	,	,	PUNCT
fsr-3925	180	18	10.4	10.4	NUM
fsr-3925	180	19	%	%	NOUN
fsr-3925	180	20	for	for	ADP
fsr-3925	180	21	stocks	stock	NOUN
fsr-3925	180	22	,	,	PUNCT
fsr-3925	180	23	7.1	7.1	NUM
fsr-3925	180	24	%	%	NOUN
fsr-3925	180	25	for	for	ADP
fsr-3925	180	26	bonds	bond	NOUN
fsr-3925	180	27	,	,	PUNCT
fsr-3925	180	28	and	and	CCONJ
fsr-3925	180	29	6.9	6.9	NUM
fsr-3925	180	30	%	%	NOUN
fsr-3925	180	31	for	for	ADP
fsr-3925	180	32	real	real	ADJ
fsr-3925	180	33	estate	estate	NOUN
fsr-3925	180	34	.	.	PUNCT
fsr-3925	181	1	the	the	DET
fsr-3925	181	2	rate	rate	NOUN
fsr-3925	181	3	of	of	ADP
fsr-3925	181	4	return	return	NOUN
fsr-3925	181	5	thought	think	VERB
fsr-3925	181	6	to	to	PART
fsr-3925	181	7	be	be	AUX
fsr-3925	181	8	appropriate	appropriate	ADJ
fsr-3925	181	9	for	for	ADP
fsr-3925	181	10	cash	cash	NOUN
fsr-3925	181	11	equivalents	equivalent	NOUN
fsr-3925	181	12	differed	differ	VERB
fsr-3925	181	13	significantly	significantly	ADV
fsr-3925	181	14	(	(	PUNCT
fsr-3925	181	15	p	p	X
fsr-3925	181	16	,	,	PUNCT
fsr-3925	181	17	.05	.05	NUM
fsr-3925	181	18	)	)	PUNCT
fsr-3925	181	19	between	between	ADP
fsr-3925	181	20	the	the	DET
fsr-3925	181	21	two	two	NUM
fsr-3925	181	22	occupational	occupational	ADJ
fsr-3925	181	23	groups	group	NOUN
fsr-3925	181	24	.	.	PUNCT
fsr-3925	182	1	in	in	ADP
fsr-3925	182	2	this	this	DET
fsr-3925	182	3	case	case	NOUN
fsr-3925	182	4	,	,	PUNCT
fsr-3925	182	5	the	the	DET
fsr-3925	182	6	difference	difference	NOUN
fsr-3925	182	7	between	between	ADP
fsr-3925	182	8	planners	planner	NOUN
fsr-3925	182	9	and	and	CCONJ
fsr-3925	182	10	educators	educator	NOUN
fsr-3925	182	11	was	be	AUX
fsr-3925	182	12	qualified	qualify	VERB
fsr-3925	182	13	by	by	ADP
fsr-3925	182	14	interaction	interaction	NOUN
fsr-3925	182	15	between	between	ADP
fsr-3925	182	16	gender	gender	NOUN
fsr-3925	182	17	and	and	CCONJ
fsr-3925	182	18	occupation	occupation	NOUN
fsr-3925	182	19	with	with	ADP
fsr-3925	182	20	female	female	ADJ
fsr-3925	182	21	educators	educator	NOUN
fsr-3925	182	22	reporting	report	VERB
fsr-3925	182	23	higher	high	ADJ
fsr-3925	182	24	return	return	NOUN
fsr-3925	182	25	rates	rate	NOUN
fsr-3925	182	26	than	than	ADP
fsr-3925	182	27	either	either	CCONJ
fsr-3925	182	28	male	male	ADJ
fsr-3925	182	29	or	or	CCONJ
fsr-3925	182	30	female	female	ADJ
fsr-3925	182	31	planners	planner	NOUN
fsr-3925	182	32	.	.	PUNCT
fsr-3925	183	1	ibbotson	ibbotson	PROPN
fsr-3925	183	2	associates	associates	PROPN
fsr-3925	183	3	(	(	PUNCT
fsr-3925	183	4	2000	2000	NUM
fsr-3925	183	5	)	)	PUNCT
fsr-3925	183	6	data	datum	NOUN
fsr-3925	183	7	provide	provide	VERB
fsr-3925	183	8	benchmark	benchmark	NOUN
fsr-3925	183	9	returns	return	NOUN
fsr-3925	183	10	for	for	ADP
fsr-3925	183	11	three	three	NUM
fsr-3925	183	12	of	of	ADP
fsr-3925	183	13	the	the	DET
fsr-3925	183	14	above	above	ADJ
fsr-3925	183	15	asset	asset	NOUN
fsr-3925	183	16	classes	class	NOUN
fsr-3925	183	17	.	.	PUNCT
fsr-3925	184	1	between	between	ADP
fsr-3925	184	2	1926	1926	NUM
fsr-3925	184	3	and	and	CCONJ
fsr-3925	184	4	1999	1999	NUM
fsr-3925	184	5	large	large	ADJ
fsr-3925	184	6	company	company	NOUN
fsr-3925	184	7	stocks	stock	NOUN
fsr-3925	184	8	,	,	PUNCT
fsr-3925	184	9	long	long	ADJ
fsr-3925	184	10	-	-	PUNCT
fsr-3925	184	11	term	term	NOUN
fsr-3925	184	12	corporate	corporate	ADJ
fsr-3925	184	13	bonds	bond	NOUN
fsr-3925	184	14	,	,	PUNCT
fsr-3925	184	15	and	and	CCONJ
fsr-3925	184	16	u.s	u.s	PROPN
fsr-3925	184	17	.	.	PROPN
fsr-3925	184	18	treasury	treasury	PROPN
fsr-3925	184	19	bills	bill	NOUN
fsr-3925	184	20	(	(	PUNCT
fsr-3925	184	21	cash	cash	NOUN
fsr-3925	184	22	)	)	PUNCT
fsr-3925	184	23	averaged	average	VERB
fsr-3925	184	24	annual	annual	ADJ
fsr-3925	184	25	returns	return	NOUN
fsr-3925	184	26	of	of	ADP
fsr-3925	184	27	13	13	NUM
fsr-3925	184	28	%	%	NOUN
fsr-3925	184	29	,	,	PUNCT
fsr-3925	184	30	6	6	NUM
fsr-3925	184	31	%	%	NOUN
fsr-3925	184	32	,	,	PUNCT
fsr-3925	184	33	and	and	CCONJ
fsr-3925	184	34	4	4	NUM
fsr-3925	184	35	%	%	NOUN
fsr-3925	184	36	,	,	PUNCT
fsr-3925	184	37	respectively	respectively	ADV
fsr-3925	184	38	.	.	PUNCT
fsr-3925	185	1	over	over	ADP
fsr-3925	185	2	the	the	DET
fsr-3925	185	3	most	most	ADV
fsr-3925	185	4	recent	recent	ADJ
fsr-3925	185	5	20	20	NUM
fsr-3925	185	6	years	year	NOUN
fsr-3925	185	7	,	,	PUNCT
fsr-3925	185	8	annual	annual	ADJ
fsr-3925	185	9	returns	return	NOUN
fsr-3925	185	10	for	for	ADP
fsr-3925	185	11	all	all	DET
fsr-3925	185	12	three	three	NUM
fsr-3925	185	13	asset	asset	NOUN
fsr-3925	185	14	classes	class	NOUN
fsr-3925	185	15	have	have	AUX
fsr-3925	185	16	been	be	AUX
fsr-3925	185	17	higher	high	ADJ
fsr-3925	185	18	than	than	ADP
fsr-3925	185	19	over	over	ADP
fsr-3925	185	20	the	the	DET
fsr-3925	185	21	longer	long	ADJ
fsr-3925	185	22	term	term	NOUN
fsr-3925	185	23	at	at	ADP
fsr-3925	185	24	18	18	NUM
fsr-3925	185	25	%	%	NOUN
fsr-3925	185	26	,	,	PUNCT
fsr-3925	185	27	11	11	NUM
fsr-3925	185	28	%	%	NOUN
fsr-3925	185	29	,	,	PUNCT
fsr-3925	185	30	and	and	CCONJ
fsr-3925	185	31	7	7	NUM
fsr-3925	185	32	%	%	NOUN
fsr-3925	185	33	,	,	PUNCT
fsr-3925	185	34	respectively	respectively	ADV
fsr-3925	185	35	.	.	PUNCT
fsr-3925	186	1	4.4	4.4	NUM
fsr-3925	186	2	.	.	PUNCT
fsr-3925	186	3	guidelines	guideline	NOUN
fsr-3925	186	4	for	for	ADP
fsr-3925	186	5	meeting	meet	VERB
fsr-3925	186	6	retirement	retirement	NOUN
fsr-3925	186	7	income	income	NOUN
fsr-3925	186	8	needs	need	NOUN
fsr-3925	186	9	in	in	ADP
fsr-3925	186	10	round	round	NOUN
fsr-3925	186	11	two	two	NUM
fsr-3925	186	12	,	,	PUNCT
fsr-3925	186	13	over	over	ADP
fsr-3925	186	14	one	one	NUM
fsr-3925	186	15	-	-	PUNCT
fsr-3925	186	16	half	half	NOUN
fsr-3925	186	17	(	(	PUNCT
fsr-3925	186	18	56	56	NUM
fsr-3925	186	19	%	%	NOUN
fsr-3925	186	20	)	)	PUNCT
fsr-3925	186	21	of	of	ADP
fsr-3925	186	22	the	the	DET
fsr-3925	186	23	experts	expert	NOUN
fsr-3925	186	24	reported	report	VERB
fsr-3925	186	25	that	that	SCONJ
fsr-3925	186	26	they	they	PRON
fsr-3925	186	27	recommended	recommend	VERB
fsr-3925	186	28	a	a	DET
fsr-3925	186	29	percentage	percentage	NOUN
fsr-3925	186	30	of	of	ADP
fsr-3925	186	31	current	current	ADJ
fsr-3925	186	32	expenses	expense	NOUN
fsr-3925	186	33	to	to	PART
fsr-3925	186	34	estimate	estimate	VERB
fsr-3925	186	35	postretirement	postretirement	NOUN
fsr-3925	186	36	needs	need	NOUN
fsr-3925	186	37	.	.	PUNCT
fsr-3925	187	1	the	the	DET
fsr-3925	187	2	mean	mean	NOUN
fsr-3925	187	3	reported	report	VERB
fsr-3925	187	4	for	for	ADP
fsr-3925	187	5	this	this	DET
fsr-3925	187	6	benchmark	benchmark	NOUN
fsr-3925	187	7	was	be	AUX
fsr-3925	187	8	74	74	NUM
fsr-3925	187	9	%	%	NOUN
fsr-3925	187	10	with	with	ADP
fsr-3925	187	11	the	the	DET
fsr-3925	187	12	median	median	NOUN
fsr-3925	187	13	being	be	AUX
fsr-3925	187	14	75	75	NUM
fsr-3925	187	15	%	%	NOUN
fsr-3925	187	16	.	.	PUNCT
fsr-3925	188	1	because	because	SCONJ
fsr-3925	188	2	there	there	PRON
fsr-3925	188	3	were	be	VERB
fsr-3925	188	4	a	a	DET
fsr-3925	188	5	number	number	NOUN
fsr-3925	188	6	of	of	ADP
fsr-3925	188	7	low	low	ADJ
fsr-3925	188	8	percentages	percentage	NOUN
fsr-3925	188	9	reported	report	VERB
fsr-3925	188	10	,	,	PUNCT
fsr-3925	188	11	the	the	DET
fsr-3925	188	12	research	research	NOUN
fsr-3925	188	13	team	team	NOUN
fsr-3925	188	14	decided	decide	VERB
fsr-3925	188	15	to	to	PART
fsr-3925	188	16	reask	reask	VERB
fsr-3925	188	17	this	this	DET
fsr-3925	188	18	question	question	NOUN
fsr-3925	188	19	in	in	ADP
fsr-3925	188	20	round	round	NOUN
fsr-3925	188	21	three	three	NUM
fsr-3925	188	22	using	use	VERB
fsr-3925	188	23	a	a	DET
fsr-3925	188	24	closed	close	VERB
fsr-3925	188	25	-	-	PUNCT
fsr-3925	188	26	end	end	NOUN
fsr-3925	188	27	format	format	NOUN
fsr-3925	188	28	.	.	PUNCT
fsr-3925	189	1	the	the	DET
fsr-3925	189	2	majority	majority	NOUN
fsr-3925	189	3	of	of	ADP
fsr-3925	189	4	the	the	DET
fsr-3925	189	5	experts	expert	NOUN
fsr-3925	189	6	(	(	PUNCT
fsr-3925	189	7	81	81	NUM
fsr-3925	189	8	%	%	NOUN
fsr-3925	189	9	)	)	PUNCT
fsr-3925	189	10	felt	feel	VERB
fsr-3925	189	11	that	that	SCONJ
fsr-3925	189	12	amounts	amount	NOUN
fsr-3925	189	13	ranging	range	VERB
fsr-3925	189	14	from	from	ADP
fsr-3925	189	15	70	70	NUM
fsr-3925	189	16	to	to	PART
fsr-3925	189	17	89	89	NUM
fsr-3925	189	18	%	%	NOUN
fsr-3925	189	19	of	of	ADP
fsr-3925	189	20	current	current	ADJ
fsr-3925	189	21	expenses	expense	NOUN
fsr-3925	189	22	were	be	AUX
fsr-3925	189	23	useful	useful	ADJ
fsr-3925	189	24	in	in	ADP
fsr-3925	189	25	estimating	estimate	VERB
fsr-3925	189	26	postretirement	postretirement	NOUN
fsr-3925	189	27	needs	need	NOUN
fsr-3925	189	28	.	.	PUNCT
fsr-3925	190	1	a	a	DET
fsr-3925	190	2	few	few	ADJ
fsr-3925	190	3	more	more	ADJ
fsr-3925	190	4	of	of	ADP
fsr-3925	190	5	the	the	DET
fsr-3925	190	6	experts	expert	NOUN
fsr-3925	190	7	selected	select	VERB
fsr-3925	190	8	70–79	70–79	NUM
fsr-3925	190	9	%	%	NOUN
fsr-3925	190	10	rather	rather	ADV
fsr-3925	190	11	than	than	ADP
fsr-3925	190	12	80–89	80–89	NUM
fsr-3925	190	13	%	%	NOUN
fsr-3925	190	14	of	of	ADP
fsr-3925	190	15	expenses—42	expenses—42	NOUN
fsr-3925	190	16	%	%	NOUN
fsr-3925	190	17	and	and	CCONJ
fsr-3925	190	18	39	39	NUM
fsr-3925	190	19	%	%	NOUN
fsr-3925	190	20	of	of	ADP
fsr-3925	190	21	the	the	DET
fsr-3925	190	22	experts	expert	NOUN
fsr-3925	190	23	,	,	PUNCT
fsr-3925	190	24	respectively	respectively	ADV
fsr-3925	190	25	.	.	PUNCT
fsr-3925	191	1	according	accord	VERB
fsr-3925	191	2	to	to	ADP
fsr-3925	191	3	round	round	VERB
fsr-3925	191	4	two	two	NUM
fsr-3925	191	5	participants	participant	NOUN
fsr-3925	191	6	,	,	PUNCT
fsr-3925	191	7	the	the	DET
fsr-3925	191	8	mean	mean	ADJ
fsr-3925	191	9	percentages	percentage	NOUN
fsr-3925	191	10	of	of	ADP
fsr-3925	191	11	retirement	retirement	NOUN
fsr-3925	191	12	needs	need	VERB
fsr-3925	191	13	the	the	DET
fsr-3925	191	14	typical	typical	ADJ
fsr-3925	191	15	individual	individual	ADJ
fsr-3925	191	16	/	/	SYM
fsr-3925	191	17	family	family	NOUN
fsr-3925	191	18	should	should	AUX
fsr-3925	191	19	have	have	AUX
fsr-3925	191	20	achieved	achieve	VERB
fsr-3925	191	21	by	by	ADP
fsr-3925	191	22	various	various	ADJ
fsr-3925	191	23	ages	age	NOUN
fsr-3925	191	24	were	be	AUX
fsr-3925	191	25	as	as	SCONJ
fsr-3925	191	26	follows	follow	VERB
fsr-3925	191	27	:	:	PUNCT
fsr-3925	191	28	at	at	ADP
fsr-3925	191	29	age	age	NOUN
fsr-3925	191	30	30	30	NUM
fsr-3925	191	31	,	,	PUNCT
fsr-3925	191	32	18	18	NUM
fsr-3925	191	33	%	%	NOUN
fsr-3925	191	34	;	;	PUNCT
fsr-3925	191	35	at	at	ADP
fsr-3925	191	36	age	age	NOUN
fsr-3925	191	37	40	40	NUM
fsr-3925	191	38	,	,	PUNCT
fsr-3925	191	39	37	37	NUM
fsr-3925	191	40	%	%	NOUN
fsr-3925	191	41	;	;	PUNCT
fsr-3925	191	42	at	at	ADP
fsr-3925	191	43	age	age	NOUN
fsr-3925	191	44	50	50	NUM
fsr-3925	191	45	,	,	PUNCT
fsr-3925	191	46	59	59	NUM
fsr-3925	191	47	%	%	NOUN
fsr-3925	191	48	;	;	PUNCT
fsr-3925	191	49	at	at	ADP
fsr-3925	191	50	age	age	NOUN
fsr-3925	191	51	60	60	NUM
fsr-3925	191	52	,	,	PUNCT
fsr-3925	191	53	85	85	NUM
fsr-3925	191	54	%	%	NOUN
fsr-3925	191	55	;	;	PUNCT
fsr-3925	191	56	at	at	ADP
fsr-3925	191	57	age	age	NOUN
fsr-3925	191	58	65	65	NUM
fsr-3925	191	59	,	,	PUNCT
fsr-3925	191	60	96	96	NUM
fsr-3925	191	61	%	%	NOUN
fsr-3925	191	62	;	;	PUNCT
fsr-3925	191	63	and	and	CCONJ
fsr-3925	191	64	at	at	ADP
fsr-3925	191	65	age	age	NOUN
fsr-3925	191	66	70	70	NUM
fsr-3925	191	67	,	,	PUNCT
fsr-3925	191	68	99	99	NUM
fsr-3925	191	69	%	%	NOUN
fsr-3925	191	70	.	.	PUNCT
fsr-3925	192	1	all	all	PRON
fsr-3925	192	2	of	of	ADP
fsr-3925	192	3	these	these	DET
fsr-3925	192	4	means	mean	NOUN
fsr-3925	192	5	were	be	AUX
fsr-3925	192	6	significantly	significantly	ADV
fsr-3925	192	7	(	(	PUNCT
fsr-3925	192	8	p	p	X
fsr-3925	192	9	,	,	PUNCT
fsr-3925	192	10	.001	.001	NUM
fsr-3925	192	11	)	)	PUNCT
fsr-3925	192	12	different	different	ADJ
fsr-3925	192	13	from	from	ADP
fsr-3925	192	14	each	each	DET
fsr-3925	192	15	other	other	ADJ
fsr-3925	192	16	.	.	PUNCT
fsr-3925	193	1	the	the	DET
fsr-3925	193	2	percentage	percentage	NOUN
fsr-3925	193	3	of	of	ADP
fsr-3925	193	4	total	total	ADJ
fsr-3925	193	5	needs	need	NOUN
fsr-3925	193	6	recommended	recommend	VERB
fsr-3925	193	7	for	for	ADP
fsr-3925	193	8	retirement	retirement	NOUN
fsr-3925	193	9	by	by	ADP
fsr-3925	193	10	age	age	NOUN
fsr-3925	193	11	70	70	NUM
fsr-3925	193	12	differed	differ	VERB
fsr-3925	193	13	significantly	significantly	ADV
fsr-3925	193	14	(	(	PUNCT
fsr-3925	193	15	p	p	X
fsr-3925	193	16	,	,	PUNCT
fsr-3925	193	17	.05	.05	NUM
fsr-3925	193	18	)	)	PUNCT
fsr-3925	193	19	by	by	ADP
fsr-3925	193	20	gender	gender	NOUN
fsr-3925	193	21	with	with	ADP
fsr-3925	193	22	the	the	DET
fsr-3925	193	23	men	man	NOUN
fsr-3925	193	24	’s	’s	PART
fsr-3925	193	25	responses	response	NOUN
fsr-3925	193	26	averaging	average	VERB
fsr-3925	193	27	100	100	NUM
fsr-3925	193	28	%	%	NOUN
fsr-3925	193	29	and	and	CCONJ
fsr-3925	193	30	the	the	DET
fsr-3925	193	31	women	woman	NOUN
fsr-3925	193	32	’s	’s	PART
fsr-3925	193	33	averaging	average	VERB
fsr-3925	193	34	96	96	NUM
fsr-3925	193	35	%	%	NOUN
fsr-3925	193	36	,	,	PUNCT
fsr-3925	193	37	respectively	respectively	ADV
fsr-3925	193	38	.	.	PUNCT
fsr-3925	194	1	based	base	VERB
fsr-3925	194	2	on	on	ADP
fsr-3925	194	3	the	the	DET
fsr-3925	194	4	round	round	ADJ
fsr-3925	194	5	two	two	NUM
fsr-3925	194	6	responses	response	NOUN
fsr-3925	194	7	,	,	PUNCT
fsr-3925	194	8	four	four	NUM
fsr-3925	194	9	benchmarks	benchmark	NOUN
fsr-3925	194	10	regarding	regard	VERB
fsr-3925	194	11	the	the	DET
fsr-3925	194	12	percentage	percentage	NOUN
fsr-3925	194	13	of	of	ADP
fsr-3925	194	14	overall	overall	ADJ
fsr-3925	194	15	retirement	retirement	NOUN
fsr-3925	194	16	savings	saving	NOUN
fsr-3925	194	17	that	that	PRON
fsr-3925	194	18	should	should	AUX
fsr-3925	194	19	be	be	AUX
fsr-3925	194	20	achieved	achieve	VERB
fsr-3925	194	21	by	by	ADP
fsr-3925	194	22	certain	certain	ADJ
fsr-3925	194	23	preretirement	preretirement	ADJ
fsr-3925	194	24	age	age	NOUN
fsr-3925	194	25	levels	level	NOUN
fsr-3925	194	26	were	be	AUX
fsr-3925	194	27	developed	develop	VERB
fsr-3925	194	28	.	.	PUNCT
fsr-3925	195	1	these	these	PRON
fsr-3925	195	2	were	be	AUX
fsr-3925	195	3	included	include	VERB
fsr-3925	195	4	in	in	ADP
fsr-3925	195	5	the	the	DET
fsr-3925	195	6	round	round	ADJ
fsr-3925	195	7	three	three	NUM
fsr-3925	195	8	questionnaire	questionnaire	NOUN
fsr-3925	195	9	for	for	SCONJ
fsr-3925	195	10	the	the	DET
fsr-3925	195	11	experts	expert	NOUN
fsr-3925	195	12	to	to	PART
fsr-3925	195	13	rate	rate	VERB
fsr-3925	195	14	in	in	ADP
fsr-3925	195	15	terms	term	NOUN
fsr-3925	195	16	of	of	ADP
fsr-3925	195	17	their	their	PRON
fsr-3925	195	18	agreement	agreement	NOUN
fsr-3925	195	19	.	.	PUNCT
fsr-3925	196	1	the	the	DET
fsr-3925	196	2	mean	mean	ADJ
fsr-3925	196	3	ratings	rating	NOUN
fsr-3925	196	4	and	and	CCONJ
fsr-3925	196	5	distribution	distribution	NOUN
fsr-3925	196	6	of	of	ADP
fsr-3925	196	7	agreement	agreement	NOUN
fsr-3925	196	8	,	,	PUNCT
fsr-3925	196	9	disagreement	disagreement	NOUN
fsr-3925	196	10	,	,	PUNCT
fsr-3925	196	11	and	and	CCONJ
fsr-3925	196	12	uncertainty	uncertainty	NOUN
fsr-3925	196	13	regarding	regard	VERB
fsr-3925	196	14	these	these	DET
fsr-3925	196	15	recommended	recommend	VERB
fsr-3925	196	16	benchmarks	benchmark	NOUN
fsr-3925	196	17	are	be	AUX
fsr-3925	196	18	presented	present	VERB
fsr-3925	196	19	in	in	ADP
fsr-3925	196	20	table	table	NOUN
fsr-3925	196	21	4	4	NUM
fsr-3925	196	22	.	.	PUNCT
fsr-3925	197	1	the	the	DET
fsr-3925	197	2	major241s.a	major241s.a	NOUN
fsr-3925	197	3	.	.	PUNCT
fsr-3925	197	4	greninger	greninger	NOUN
fsr-3925	197	5	et	et	PROPN
fsr-3925	197	6	al	al	PROPN
fsr-3925	197	7	.	.	PUNCT
fsr-3925	197	8	/	/	SYM
fsr-3925	197	9	financial	financial	ADJ
fsr-3925	197	10	services	service	NOUN
fsr-3925	197	11	review	review	VERB
fsr-3925	197	12	9	9	NUM
fsr-3925	197	13	(	(	PUNCT
fsr-3925	197	14	2000	2000	NUM
fsr-3925	197	15	)	)	PUNCT
fsr-3925	198	1	231–245	231–245	NUM
fsr-3925	198	2	ity	ity	NOUN
fsr-3925	198	3	of	of	ADP
fsr-3925	198	4	the	the	DET
fsr-3925	198	5	experts	expert	NOUN
fsr-3925	198	6	agreed	agree	VERB
fsr-3925	198	7	with	with	ADP
fsr-3925	198	8	each	each	PRON
fsr-3925	198	9	of	of	ADP
fsr-3925	198	10	these	these	DET
fsr-3925	198	11	benchmarks	benchmark	NOUN
fsr-3925	198	12	.	.	PUNCT
fsr-3925	199	1	as	as	SCONJ
fsr-3925	199	2	might	might	AUX
fsr-3925	199	3	be	be	AUX
fsr-3925	199	4	expected	expect	VERB
fsr-3925	199	5	,	,	PUNCT
fsr-3925	199	6	there	there	PRON
fsr-3925	199	7	was	be	VERB
fsr-3925	199	8	less	less	ADJ
fsr-3925	199	9	consensus	consensus	NOUN
fsr-3925	199	10	among	among	ADP
fsr-3925	199	11	the	the	DET
fsr-3925	199	12	experts	expert	NOUN
fsr-3925	199	13	regarding	regard	VERB
fsr-3925	199	14	the	the	DET
fsr-3925	199	15	percentage	percentage	NOUN
fsr-3925	199	16	of	of	ADP
fsr-3925	199	17	retirement	retirement	NOUN
fsr-3925	199	18	savings	saving	NOUN
fsr-3925	199	19	that	that	PRON
fsr-3925	199	20	should	should	AUX
fsr-3925	199	21	be	be	AUX
fsr-3925	199	22	achieved	achieve	VERB
fsr-3925	199	23	at	at	ADP
fsr-3925	199	24	younger	young	ADJ
fsr-3925	199	25	ages	age	NOUN
fsr-3925	199	26	than	than	ADP
fsr-3925	199	27	at	at	ADP
fsr-3925	199	28	older	old	ADJ
fsr-3925	199	29	ages	age	NOUN
fsr-3925	199	30	.	.	PUNCT
fsr-3925	200	1	more	more	ADJ
fsr-3925	200	2	than	than	ADP
fsr-3925	200	3	nine	nine	NUM
fsr-3925	200	4	-	-	PUNCT
fsr-3925	200	5	tenths	tenth	NOUN
fsr-3925	200	6	of	of	ADP
fsr-3925	200	7	the	the	DET
fsr-3925	200	8	experts	expert	NOUN
fsr-3925	200	9	agreed	agree	VERB
fsr-3925	200	10	with	with	ADP
fsr-3925	200	11	the	the	DET
fsr-3925	200	12	benchmarks	benchmark	NOUN
fsr-3925	200	13	for	for	ADP
fsr-3925	200	14	50	50	NUM
fsr-3925	200	15	and	and	CCONJ
fsr-3925	200	16	60	60	NUM
fsr-3925	200	17	year	year	NOUN
fsr-3925	200	18	old	old	ADJ
fsr-3925	200	19	individuals	individual	NOUN
fsr-3925	200	20	while	while	SCONJ
fsr-3925	200	21	approximately	approximately	ADV
fsr-3925	200	22	two	two	NUM
fsr-3925	200	23	-	-	PUNCT
fsr-3925	200	24	thirds	third	NOUN
fsr-3925	200	25	agreed	agree	VERB
fsr-3925	200	26	with	with	ADP
fsr-3925	200	27	the	the	DET
fsr-3925	200	28	benchmark	benchmark	NOUN
fsr-3925	200	29	for	for	ADP
fsr-3925	200	30	30	30	NUM
fsr-3925	200	31	-	-	PUNCT
fsr-3925	200	32	year	year	NOUN
fsr-3925	200	33	old	old	ADJ
fsr-3925	200	34	individuals	individual	NOUN
fsr-3925	200	35	.	.	PUNCT
fsr-3925	201	1	4.5	4.5	NUM
fsr-3925	201	2	.	.	PUNCT
fsr-3925	202	1	timing	timing	NOUN
fsr-3925	202	2	and	and	CCONJ
fsr-3925	202	3	asset	asset	NOUN
fsr-3925	202	4	allocations	allocation	NOUN
fsr-3925	202	5	guidelines	guideline	NOUN
fsr-3925	202	6	in	in	ADP
fsr-3925	202	7	round	round	NOUN
fsr-3925	202	8	two	two	NUM
fsr-3925	202	9	,	,	PUNCT
fsr-3925	202	10	respondents	respondent	NOUN
fsr-3925	202	11	were	be	AUX
fsr-3925	202	12	asked	ask	VERB
fsr-3925	202	13	when	when	SCONJ
fsr-3925	202	14	they	they	PRON
fsr-3925	202	15	thought	think	VERB
fsr-3925	202	16	it	it	PRON
fsr-3925	202	17	was	be	AUX
fsr-3925	202	18	prudent	prudent	ADJ
fsr-3925	202	19	for	for	SCONJ
fsr-3925	202	20	the	the	DET
fsr-3925	202	21	average	average	ADJ
fsr-3925	202	22	preretiree	preretiree	NOUN
fsr-3925	202	23	to	to	PART
fsr-3925	202	24	begin	begin	VERB
fsr-3925	202	25	moving	move	VERB
fsr-3925	202	26	their	their	PRON
fsr-3925	202	27	investments	investment	NOUN
fsr-3925	202	28	to	to	ADP
fsr-3925	202	29	more	more	ADV
fsr-3925	202	30	conservative	conservative	ADJ
fsr-3925	202	31	investments	investment	NOUN
fsr-3925	202	32	as	as	SCONJ
fsr-3925	202	33	they	they	PRON
fsr-3925	202	34	approached	approach	VERB
fsr-3925	202	35	their	their	PRON
fsr-3925	202	36	planned	plan	VERB
fsr-3925	202	37	retirement	retirement	NOUN
fsr-3925	202	38	target	target	NOUN
fsr-3925	202	39	date	date	NOUN
fsr-3925	202	40	.	.	PUNCT
fsr-3925	203	1	the	the	DET
fsr-3925	203	2	frequency	frequency	NOUN
fsr-3925	203	3	of	of	ADP
fsr-3925	203	4	the	the	DET
fsr-3925	203	5	panel	panel	NOUN
fsr-3925	203	6	’s	’s	PART
fsr-3925	203	7	responses	response	NOUN
fsr-3925	203	8	were	be	AUX
fsr-3925	203	9	as	as	SCONJ
fsr-3925	203	10	follows	follow	VERB
fsr-3925	203	11	:	:	PUNCT
fsr-3925	203	12	never	never	ADV
fsr-3925	203	13	,	,	PUNCT
fsr-3925	203	14	21	21	NUM
fsr-3925	203	15	%	%	NOUN
fsr-3925	203	16	;	;	PUNCT
fsr-3925	203	17	one	one	NUM
fsr-3925	203	18	year	year	NOUN
fsr-3925	203	19	before	before	ADP
fsr-3925	203	20	retirement	retirement	NOUN
fsr-3925	203	21	,	,	PUNCT
fsr-3925	203	22	5	5	NUM
fsr-3925	203	23	%	%	NOUN
fsr-3925	203	24	;	;	PUNCT
fsr-3925	203	25	three	three	NUM
fsr-3925	203	26	years	year	NOUN
fsr-3925	203	27	before	before	ADP
fsr-3925	203	28	retirement	retirement	NOUN
fsr-3925	203	29	,	,	PUNCT
fsr-3925	203	30	27	27	NUM
fsr-3925	203	31	%	%	NOUN
fsr-3925	203	32	;	;	PUNCT
fsr-3925	203	33	five	five	NUM
fsr-3925	203	34	years	year	NOUN
fsr-3925	203	35	before	before	ADP
fsr-3925	203	36	retirement	retirement	NOUN
fsr-3925	203	37	,	,	PUNCT
fsr-3925	203	38	34	34	NUM
fsr-3925	203	39	%	%	NOUN
fsr-3925	203	40	;	;	PUNCT
fsr-3925	203	41	seven	seven	NUM
fsr-3925	203	42	years	year	NOUN
fsr-3925	203	43	before	before	ADP
fsr-3925	203	44	retirement	retirement	NOUN
fsr-3925	203	45	,	,	PUNCT
fsr-3925	203	46	7	7	NUM
fsr-3925	203	47	%	%	NOUN
fsr-3925	203	48	;	;	PUNCT
fsr-3925	203	49	and	and	CCONJ
fsr-3925	203	50	ten	ten	NUM
fsr-3925	203	51	years	year	NOUN
fsr-3925	203	52	before	before	ADP
fsr-3925	203	53	retirement	retirement	NOUN
fsr-3925	203	54	,	,	PUNCT
fsr-3925	203	55	6	6	NUM
fsr-3925	203	56	%	%	NOUN
fsr-3925	203	57	.	.	PUNCT
fsr-3925	204	1	this	this	PRON
fsr-3925	204	2	indicated	indicate	VERB
fsr-3925	204	3	that	that	SCONJ
fsr-3925	204	4	over	over	ADP
fsr-3925	204	5	six	six	NUM
fsr-3925	204	6	-	-	PUNCT
fsr-3925	204	7	tenths	tenth	NOUN
fsr-3925	204	8	of	of	ADP
fsr-3925	204	9	the	the	DET
fsr-3925	204	10	participants	participant	NOUN
fsr-3925	204	11	thought	think	VERB
fsr-3925	204	12	it	it	PRON
fsr-3925	204	13	was	be	AUX
fsr-3925	204	14	prudent	prudent	ADJ
fsr-3925	204	15	to	to	PART
fsr-3925	204	16	move	move	VERB
fsr-3925	204	17	toward	toward	ADP
fsr-3925	204	18	more	more	ADJ
fsr-3925	204	19	conservative	conservative	ADJ
fsr-3925	204	20	investments	investment	NOUN
fsr-3925	204	21	about	about	ADP
fsr-3925	204	22	three	three	NUM
fsr-3925	204	23	-	-	PUNCT
fsr-3925	204	24	to	to	ADP
fsr-3925	204	25	-	-	PUNCT
fsr-3925	204	26	five	five	NUM
fsr-3925	204	27	years	year	NOUN
fsr-3925	204	28	before	before	ADP
fsr-3925	204	29	retirement	retirement	NOUN
fsr-3925	204	30	.	.	PUNCT
fsr-3925	205	1	however	however	ADV
fsr-3925	205	2	,	,	PUNCT
fsr-3925	205	3	over	over	ADP
fsr-3925	205	4	one	one	NUM
fsr-3925	205	5	-	-	PUNCT
fsr-3925	205	6	fifth	fifth	NOUN
fsr-3925	205	7	thought	think	VERB
fsr-3925	205	8	it	it	PRON
fsr-3925	205	9	was	be	AUX
fsr-3925	205	10	never	never	ADV
fsr-3925	205	11	prudent	prudent	ADJ
fsr-3925	205	12	to	to	PART
fsr-3925	205	13	do	do	VERB
fsr-3925	205	14	this	this	PRON
fsr-3925	205	15	.	.	PUNCT
fsr-3925	206	1	there	there	PRON
fsr-3925	206	2	was	be	VERB
fsr-3925	206	3	a	a	DET
fsr-3925	206	4	significant	significant	ADJ
fsr-3925	206	5	(	(	PUNCT
fsr-3925	206	6	p	p	X
fsr-3925	206	7	,	,	PUNCT
fsr-3925	206	8	.001	.001	NUM
fsr-3925	206	9	)	)	PUNCT
fsr-3925	206	10	difference	difference	NOUN
fsr-3925	206	11	between	between	ADP
fsr-3925	206	12	the	the	DET
fsr-3925	206	13	occupational	occupational	ADJ
fsr-3925	206	14	groups	group	NOUN
fsr-3925	206	15	on	on	ADP
fsr-3925	206	16	this	this	DET
fsr-3925	206	17	matter	matter	NOUN
fsr-3925	206	18	with	with	ADP
fsr-3925	206	19	educators	educator	NOUN
fsr-3925	206	20	recommending	recommend	VERB
fsr-3925	206	21	an	an	DET
fsr-3925	206	22	earlier	early	ADJ
fsr-3925	206	23	move	move	NOUN
fsr-3925	206	24	to	to	ADP
fsr-3925	206	25	conservative	conservative	ADJ
fsr-3925	206	26	investments	investment	NOUN
fsr-3925	206	27	than	than	ADP
fsr-3925	206	28	planners	planner	NOUN
fsr-3925	206	29	.	.	PUNCT
fsr-3925	207	1	in	in	ADP
fsr-3925	207	2	round	round	NOUN
fsr-3925	207	3	two	two	NUM
fsr-3925	207	4	,	,	PUNCT
fsr-3925	207	5	the	the	DET
fsr-3925	207	6	participants	participant	NOUN
fsr-3925	207	7	were	be	AUX
fsr-3925	207	8	also	also	ADV
fsr-3925	207	9	asked	ask	VERB
fsr-3925	207	10	what	what	PRON
fsr-3925	207	11	percentage	percentage	NOUN
fsr-3925	207	12	of	of	ADP
fsr-3925	207	13	assets	asset	NOUN
fsr-3925	207	14	they	they	PRON
fsr-3925	207	15	thought	think	VERB
fsr-3925	207	16	should	should	AUX
fsr-3925	207	17	be	be	AUX
fsr-3925	207	18	placed	place	VERB
fsr-3925	207	19	in	in	ADP
fsr-3925	207	20	growth	growth	NOUN
fsr-3925	207	21	-	-	PUNCT
fsr-3925	207	22	oriented	orient	VERB
fsr-3925	207	23	equities	equity	NOUN
fsr-3925	207	24	based	base	VERB
fsr-3925	207	25	on	on	ADP
fsr-3925	207	26	an	an	DET
fsr-3925	207	27	individual	individual	NOUN
fsr-3925	207	28	’s	’s	PART
fsr-3925	207	29	proximity	proximity	NOUN
fsr-3925	207	30	to	to	ADP
fsr-3925	207	31	retirement	retirement	NOUN
fsr-3925	207	32	acknowledging	acknowledge	VERB
fsr-3925	207	33	that	that	SCONJ
fsr-3925	207	34	norms	norm	NOUN
fsr-3925	207	35	would	would	AUX
fsr-3925	207	36	need	need	VERB
fsr-3925	207	37	to	to	PART
fsr-3925	207	38	be	be	AUX
fsr-3925	207	39	adjusted	adjust	VERB
fsr-3925	207	40	based	base	VERB
fsr-3925	207	41	on	on	ADP
fsr-3925	207	42	factors	factor	NOUN
fsr-3925	207	43	such	such	ADJ
fsr-3925	207	44	as	as	ADP
fsr-3925	207	45	a	a	DET
fsr-3925	207	46	person	person	NOUN
fsr-3925	207	47	’s	’s	PART
fsr-3925	207	48	risk	risk	NOUN
fsr-3925	207	49	tolerance	tolerance	NOUN
fsr-3925	207	50	and	and	CCONJ
fsr-3925	207	51	income	income	NOUN
fsr-3925	207	52	needs	need	NOUN
fsr-3925	207	53	.	.	PUNCT
fsr-3925	208	1	the	the	DET
fsr-3925	208	2	mean	mean	ADJ
fsr-3925	208	3	percentages	percentage	NOUN
fsr-3925	208	4	of	of	ADP
fsr-3925	208	5	assets	asset	NOUN
fsr-3925	208	6	in	in	ADP
fsr-3925	208	7	growth	growth	NOUN
fsr-3925	208	8	-	-	PUNCT
fsr-3925	208	9	oriented	orient	VERB
fsr-3925	208	10	equities	equity	NOUN
fsr-3925	208	11	recommended	recommend	VERB
fsr-3925	208	12	by	by	ADP
fsr-3925	208	13	the	the	DET
fsr-3925	208	14	panel	panel	NOUN
fsr-3925	208	15	based	base	VERB
fsr-3925	208	16	on	on	ADP
fsr-3925	208	17	proximity	proximity	NOUN
fsr-3925	208	18	to	to	ADP
fsr-3925	208	19	retirement	retirement	NOUN
fsr-3925	208	20	were	be	AUX
fsr-3925	208	21	as	as	SCONJ
fsr-3925	208	22	follows	follow	VERB
fsr-3925	208	23	:	:	PUNCT
fsr-3925	208	24	15	15	NUM
fsr-3925	208	25	years	year	NOUN
fsr-3925	208	26	before	before	ADP
fsr-3925	208	27	retirement	retirement	NOUN
fsr-3925	208	28	,	,	PUNCT
fsr-3925	208	29	69	69	NUM
fsr-3925	208	30	%	%	NOUN
fsr-3925	208	31	;	;	PUNCT
fsr-3925	208	32	10	10	NUM
fsr-3925	208	33	years	year	NOUN
fsr-3925	208	34	before	before	ADV
fsr-3925	208	35	,	,	PUNCT
fsr-3925	208	36	62	62	NUM
fsr-3925	208	37	%	%	NOUN
fsr-3925	208	38	;	;	PUNCT
fsr-3925	208	39	5	5	NUM
fsr-3925	208	40	years	year	NOUN
fsr-3925	208	41	before	before	ADV
fsr-3925	208	42	,	,	PUNCT
fsr-3925	208	43	51	51	NUM
fsr-3925	208	44	%	%	NOUN
fsr-3925	208	45	;	;	PUNCT
fsr-3925	208	46	at	at	ADP
fsr-3925	208	47	retirement	retirement	NOUN
fsr-3925	208	48	,	,	PUNCT
fsr-3925	208	49	40	40	NUM
fsr-3925	208	50	%	%	NOUN
fsr-3925	208	51	;	;	PUNCT
fsr-3925	208	52	5	5	NUM
fsr-3925	208	53	years	year	NOUN
fsr-3925	208	54	after	after	ADP
fsr-3925	208	55	retirement	retirement	NOUN
fsr-3925	208	56	,	,	PUNCT
fsr-3925	208	57	33	33	NUM
fsr-3925	208	58	%	%	NOUN
fsr-3925	208	59	;	;	PUNCT
fsr-3925	208	60	10	10	NUM
fsr-3925	208	61	years	year	NOUN
fsr-3925	208	62	after	after	ADP
fsr-3925	208	63	,	,	PUNCT
fsr-3925	208	64	28	28	NUM
fsr-3925	208	65	%	%	NOUN
fsr-3925	208	66	;	;	PUNCT
fsr-3925	208	67	and	and	CCONJ
fsr-3925	208	68	15	15	NUM
fsr-3925	208	69	years	year	NOUN
fsr-3925	208	70	after	after	ADP
fsr-3925	208	71	,	,	PUNCT
fsr-3925	208	72	25	25	NUM
fsr-3925	208	73	%	%	NOUN
fsr-3925	208	74	.	.	PUNCT
fsr-3925	209	1	significant	significant	ADJ
fsr-3925	209	2	differences	difference	NOUN
fsr-3925	209	3	based	base	VERB
fsr-3925	209	4	on	on	ADP
fsr-3925	209	5	occupation	occupation	NOUN
fsr-3925	209	6	existed	exist	VERB
fsr-3925	209	7	for	for	ADP
fsr-3925	209	8	the	the	DET
fsr-3925	209	9	recommended	recommend	VERB
fsr-3925	209	10	levels	level	NOUN
fsr-3925	209	11	both	both	CCONJ
fsr-3925	209	12	for	for	ADP
fsr-3925	209	13	10	10	NUM
fsr-3925	209	14	years	year	NOUN
fsr-3925	209	15	and	and	CCONJ
fsr-3925	209	16	15	15	NUM
fsr-3925	209	17	years	year	NOUN
fsr-3925	209	18	after	after	ADP
fsr-3925	209	19	retirement	retirement	NOUN
fsr-3925	209	20	.	.	PUNCT
fsr-3925	210	1	in	in	ADP
fsr-3925	210	2	both	both	DET
fsr-3925	210	3	cases	case	NOUN
fsr-3925	210	4	,	,	PUNCT
fsr-3925	210	5	planners	planner	NOUN
fsr-3925	210	6	recommended	recommend	VERB
fsr-3925	210	7	higher	high	ADJ
fsr-3925	210	8	mean	mean	ADJ
fsr-3925	210	9	percentages	percentage	NOUN
fsr-3925	210	10	in	in	ADP
fsr-3925	210	11	growthoriented	growthoriented	ADJ
fsr-3925	210	12	equities	equity	NOUN
fsr-3925	210	13	than	than	ADP
fsr-3925	210	14	the	the	DET
fsr-3925	210	15	educators	educator	NOUN
fsr-3925	210	16	.	.	PUNCT
fsr-3925	211	1	when	when	SCONJ
fsr-3925	211	2	the	the	DET
fsr-3925	211	3	panel	panel	NOUN
fsr-3925	211	4	of	of	ADP
fsr-3925	211	5	experts	expert	NOUN
fsr-3925	211	6	was	be	AUX
fsr-3925	211	7	asked	ask	VERB
fsr-3925	211	8	in	in	ADP
fsr-3925	211	9	round	round	NOUN
fsr-3925	211	10	three	three	NUM
fsr-3925	211	11	to	to	PART
fsr-3925	211	12	indicate	indicate	VERB
fsr-3925	211	13	their	their	PRON
fsr-3925	211	14	level	level	NOUN
fsr-3925	211	15	of	of	ADP
fsr-3925	211	16	agreement	agreement	NOUN
fsr-3925	211	17	with	with	ADP
fsr-3925	211	18	whether	whether	SCONJ
fsr-3925	211	19	the	the	DET
fsr-3925	211	20	declining	decline	VERB
fsr-3925	211	21	pattern	pattern	NOUN
fsr-3925	211	22	of	of	ADP
fsr-3925	211	23	growth	growth	NOUN
fsr-3925	211	24	-	-	PUNCT
fsr-3925	211	25	oriented	orient	VERB
fsr-3925	211	26	investments	investment	NOUN
fsr-3925	211	27	specified	specify	VERB
fsr-3925	211	28	in	in	ADP
fsr-3925	211	29	the	the	DET
fsr-3925	211	30	previous	previous	ADJ
fsr-3925	211	31	table	table	NOUN
fsr-3925	211	32	4	4	NUM
fsr-3925	211	33	level	level	NOUN
fsr-3925	211	34	of	of	ADP
fsr-3925	211	35	agreement	agreement	NOUN
fsr-3925	211	36	with	with	ADP
fsr-3925	211	37	recommended	recommend	VERB
fsr-3925	211	38	retirement	retirement	NOUN
fsr-3925	211	39	savings	saving	NOUN
fsr-3925	211	40	goals	goal	NOUN
fsr-3925	211	41	by	by	ADP
fsr-3925	211	42	age	age	NOUN
fsr-3925	211	43	recommended	recommend	VERB
fsr-3925	211	44	guideline	guideline	NOUN
fsr-3925	211	45	mean	mean	NOUN
fsr-3925	211	46	rating	rating	NOUN
fsr-3925	211	47	*	*	PUNCT
fsr-3925	211	48	%	%	NOUN
fsr-3925	211	49	of	of	ADP
fsr-3925	211	50	experts	expert	NOUN
fsr-3925	211	51	responding	respond	VERB
fsr-3925	211	52	agree	agree	VERB
fsr-3925	211	53	uncertain	uncertain	ADJ
fsr-3925	211	54	disagree	disagree	NOUN
fsr-3925	211	55	by	by	ADP
fsr-3925	211	56	age	age	NOUN
fsr-3925	211	57	60	60	NUM
fsr-3925	211	58	,	,	PUNCT
fsr-3925	211	59	individuals	individual	NOUN
fsr-3925	211	60	/	/	SYM
fsr-3925	211	61	families	family	NOUN
fsr-3925	211	62	should	should	AUX
fsr-3925	211	63	have	have	AUX
fsr-3925	211	64	achieved	achieve	VERB
fsr-3925	211	65	85–90	85–90	NUM
fsr-3925	211	66	%	%	NOUN
fsr-3925	211	67	of	of	ADP
fsr-3925	211	68	their	their	PRON
fsr-3925	211	69	retirement	retirement	NOUN
fsr-3925	211	70	savings	saving	NOUN
fsr-3925	211	71	goal	goal	NOUN
fsr-3925	211	72	4.4	4.4	NUM
fsr-3925	211	73	94	94	NUM
fsr-3925	211	74	4	4	NUM
fsr-3925	211	75	2	2	NUM
fsr-3925	211	76	by	by	ADP
fsr-3925	211	77	age	age	NOUN
fsr-3925	211	78	50	50	NUM
fsr-3925	211	79	,	,	PUNCT
fsr-3925	211	80	individuals	individual	NOUN
fsr-3925	211	81	/	/	SYM
fsr-3925	211	82	families	family	NOUN
fsr-3925	211	83	should	should	AUX
fsr-3925	211	84	have	have	AUX
fsr-3925	211	85	achieved	achieve	VERB
fsr-3925	211	86	50–60	50–60	NUM
fsr-3925	211	87	%	%	NOUN
fsr-3925	211	88	of	of	ADP
fsr-3925	211	89	their	their	PRON
fsr-3925	211	90	retirement	retirement	NOUN
fsr-3925	211	91	savings	saving	NOUN
fsr-3925	211	92	goal	goal	NOUN
fsr-3925	211	93	4.2	4.2	NUM
fsr-3925	211	94	90	90	NUM
fsr-3925	211	95	7	7	NUM
fsr-3925	211	96	3	3	NUM
fsr-3925	211	97	by	by	ADP
fsr-3925	211	98	age	age	NOUN
fsr-3925	211	99	40	40	NUM
fsr-3925	211	100	,	,	PUNCT
fsr-3925	211	101	individuals	individual	NOUN
fsr-3925	211	102	/	/	SYM
fsr-3925	211	103	families	family	NOUN
fsr-3925	211	104	should	should	AUX
fsr-3925	211	105	have	have	AUX
fsr-3925	211	106	achieved	achieve	VERB
fsr-3925	211	107	30–40	30–40	NUM
fsr-3925	211	108	%	%	NOUN
fsr-3925	211	109	of	of	ADP
fsr-3925	211	110	their	their	PRON
fsr-3925	211	111	retirement	retirement	NOUN
fsr-3925	211	112	savings	saving	NOUN
fsr-3925	211	113	goal	goal	NOUN
fsr-3925	211	114	3.9	3.9	NUM
fsr-3925	211	115	78	78	NUM
fsr-3925	211	116	18	18	NUM
fsr-3925	211	117	4	4	NUM
fsr-3925	211	118	by	by	ADP
fsr-3925	211	119	age	age	NOUN
fsr-3925	211	120	30	30	NUM
fsr-3925	211	121	,	,	PUNCT
fsr-3925	211	122	individuals	individual	NOUN
fsr-3925	211	123	/	/	SYM
fsr-3925	211	124	families	family	NOUN
fsr-3925	211	125	should	should	AUX
fsr-3925	211	126	have	have	AUX
fsr-3925	211	127	achieved	achieve	VERB
fsr-3925	211	128	10–20	10–20	NUM
fsr-3925	211	129	%	%	NOUN
fsr-3925	211	130	of	of	ADP
fsr-3925	211	131	their	their	PRON
fsr-3925	211	132	retirement	retirement	NOUN
fsr-3925	211	133	savings	saving	NOUN
fsr-3925	211	134	goal	goal	NOUN
fsr-3925	211	135	3.7	3.7	NUM
fsr-3925	211	136	68	68	NUM
fsr-3925	211	137	15	15	NUM
fsr-3925	211	138	17	17	NUM
fsr-3925	211	139	*	*	PUNCT
fsr-3925	211	140	rating	rating	NOUN
fsr-3925	211	141	scale	scale	NOUN
fsr-3925	211	142	:	:	PUNCT
fsr-3925	211	143	15	15	NUM
fsr-3925	211	144	definitely	definitely	ADV
fsr-3925	211	145	do	do	AUX
fsr-3925	211	146	not	not	PART
fsr-3925	211	147	agree	agree	VERB
fsr-3925	211	148	,	,	PUNCT
fsr-3925	211	149	25	25	NUM
fsr-3925	211	150	do	do	AUX
fsr-3925	211	151	not	not	PART
fsr-3925	211	152	agree	agree	VERB
fsr-3925	211	153	,	,	PUNCT
fsr-3925	211	154	35	35	NUM
fsr-3925	211	155	uncertain	uncertain	ADJ
fsr-3925	211	156	,	,	PUNCT
fsr-3925	211	157	45	45	NUM
fsr-3925	211	158	agree	agree	VERB
fsr-3925	211	159	,	,	PUNCT
fsr-3925	211	160	55	55	NUM
fsr-3925	211	161	strongly	strongly	ADV
fsr-3925	211	162	agree	agree	VERB
fsr-3925	211	163	.	.	PUNCT
fsr-3925	212	1	242	242	NUM
fsr-3925	212	2	s.a	s.a	PROPN
fsr-3925	212	3	.	.	PROPN
fsr-3925	212	4	greninger	greninger	PROPN
fsr-3925	212	5	et	et	PROPN
fsr-3925	212	6	al	al	PROPN
fsr-3925	212	7	.	.	PUNCT
fsr-3925	212	8	/	/	SYM
fsr-3925	212	9	financial	financial	ADJ
fsr-3925	212	10	services	service	NOUN
fsr-3925	212	11	review	review	VERB
fsr-3925	212	12	9	9	NUM
fsr-3925	212	13	(	(	PUNCT
fsr-3925	212	14	2000	2000	NUM
fsr-3925	212	15	)	)	PUNCT
fsr-3925	213	1	231–245	231–245	NUM
fsr-3925	213	2	paragraph	paragraph	NOUN
fsr-3925	213	3	was	be	AUX
fsr-3925	213	4	appropriate	appropriate	ADJ
fsr-3925	213	5	for	for	ADP
fsr-3925	213	6	preretirees	preretiree	NOUN
fsr-3925	213	7	and	and	CCONJ
fsr-3925	213	8	retirees	retiree	NOUN
fsr-3925	213	9	,	,	PUNCT
fsr-3925	213	10	the	the	DET
fsr-3925	213	11	mean	mean	ADJ
fsr-3925	213	12	response	response	NOUN
fsr-3925	213	13	was	be	AUX
fsr-3925	213	14	3.4	3.4	NUM
fsr-3925	213	15	on	on	ADP
fsr-3925	213	16	the	the	DET
fsr-3925	213	17	5	5	NUM
fsr-3925	213	18	-	-	PUNCT
fsr-3925	213	19	point	point	NOUN
fsr-3925	213	20	scale	scale	NOUN
fsr-3925	213	21	.	.	PUNCT
fsr-3925	214	1	there	there	PRON
fsr-3925	214	2	was	be	VERB
fsr-3925	214	3	a	a	DET
fsr-3925	214	4	significant	significant	ADJ
fsr-3925	214	5	(	(	PUNCT
fsr-3925	214	6	p	p	X
fsr-3925	214	7	,	,	PUNCT
fsr-3925	214	8	.05	.05	NUM
fsr-3925	214	9	)	)	PUNCT
fsr-3925	214	10	difference	difference	NOUN
fsr-3925	214	11	between	between	ADP
fsr-3925	214	12	the	the	DET
fsr-3925	214	13	means	mean	NOUN
fsr-3925	214	14	of	of	ADP
fsr-3925	214	15	the	the	DET
fsr-3925	214	16	occupational	occupational	ADJ
fsr-3925	214	17	groups	group	NOUN
fsr-3925	214	18	on	on	ADP
fsr-3925	214	19	this	this	DET
fsr-3925	214	20	issue	issue	NOUN
fsr-3925	214	21	with	with	ADP
fsr-3925	214	22	planners	planner	NOUN
fsr-3925	214	23	expressing	express	VERB
fsr-3925	214	24	less	less	ADJ
fsr-3925	214	25	agreement	agreement	NOUN
fsr-3925	214	26	than	than	ADP
fsr-3925	214	27	educators	educator	NOUN
fsr-3925	214	28	.	.	PUNCT
fsr-3925	215	1	when	when	SCONJ
fsr-3925	215	2	asked	ask	VERB
fsr-3925	215	3	what	what	DET
fsr-3925	215	4	percentage	percentage	NOUN
fsr-3925	215	5	of	of	ADP
fsr-3925	215	6	investments	investment	NOUN
fsr-3925	215	7	should	should	AUX
fsr-3925	215	8	be	be	AUX
fsr-3925	215	9	kept	keep	VERB
fsr-3925	215	10	in	in	ADP
fsr-3925	215	11	growth	growth	NOUN
fsr-3925	215	12	-	-	PUNCT
fsr-3925	215	13	oriented	orient	VERB
fsr-3925	215	14	investments	investment	NOUN
fsr-3925	215	15	during	during	ADP
fsr-3925	215	16	retirement	retirement	NOUN
fsr-3925	215	17	,	,	PUNCT
fsr-3925	215	18	the	the	DET
fsr-3925	215	19	mean	mean	ADJ
fsr-3925	215	20	percentage	percentage	NOUN
fsr-3925	215	21	recommended	recommend	VERB
fsr-3925	215	22	by	by	ADP
fsr-3925	215	23	the	the	DET
fsr-3925	215	24	panel	panel	NOUN
fsr-3925	215	25	of	of	ADP
fsr-3925	215	26	experts	expert	NOUN
fsr-3925	215	27	was	be	AUX
fsr-3925	215	28	31	31	NUM
fsr-3925	215	29	%	%	NOUN
fsr-3925	215	30	with	with	ADP
fsr-3925	215	31	the	the	DET
fsr-3925	215	32	median	median	NOUN
fsr-3925	215	33	being	be	AUX
fsr-3925	215	34	25	25	NUM
fsr-3925	215	35	%	%	NOUN
fsr-3925	215	36	.	.	PUNCT
fsr-3925	216	1	there	there	PRON
fsr-3925	216	2	was	be	VERB
fsr-3925	216	3	again	again	ADV
fsr-3925	216	4	a	a	DET
fsr-3925	216	5	significant	significant	ADJ
fsr-3925	216	6	(	(	PUNCT
fsr-3925	216	7	p	p	NOUN
fsr-3925	216	8	,	,	PUNCT
fsr-3925	216	9	.01	.01	NUM
fsr-3925	216	10	)	)	PUNCT
fsr-3925	216	11	difference	difference	NOUN
fsr-3925	216	12	in	in	ADP
fsr-3925	216	13	the	the	DET
fsr-3925	216	14	means	mean	NOUN
fsr-3925	216	15	based	base	VERB
fsr-3925	216	16	on	on	ADP
fsr-3925	216	17	occupation	occupation	NOUN
fsr-3925	216	18	with	with	ADP
fsr-3925	216	19	the	the	DET
fsr-3925	216	20	planners	planner	NOUN
fsr-3925	216	21	recommending	recommend	VERB
fsr-3925	216	22	36	36	NUM
fsr-3925	216	23	%	%	NOUN
fsr-3925	216	24	and	and	CCONJ
fsr-3925	216	25	the	the	DET
fsr-3925	216	26	educators	educator	NOUN
fsr-3925	216	27	recommending	recommend	VERB
fsr-3925	216	28	26	26	NUM
fsr-3925	216	29	%	%	NOUN
fsr-3925	216	30	.	.	PUNCT
fsr-3925	217	1	the	the	DET
fsr-3925	217	2	panel	panel	NOUN
fsr-3925	217	3	did	do	AUX
fsr-3925	217	4	not	not	PART
fsr-3925	217	5	generally	generally	ADV
fsr-3925	217	6	agree	agree	VERB
fsr-3925	217	7	with	with	ADP
fsr-3925	217	8	the	the	DET
fsr-3925	217	9	advice	advice	NOUN
fsr-3925	217	10	that	that	PRON
fsr-3925	217	11	an	an	DET
fsr-3925	217	12	investor	investor	NOUN
fsr-3925	217	13	should	should	AUX
fsr-3925	217	14	maintain	maintain	VERB
fsr-3925	217	15	stock	stock	NOUN
fsr-3925	217	16	holdings	holding	NOUN
fsr-3925	217	17	in	in	ADP
fsr-3925	217	18	his	his	PRON
fsr-3925	217	19	/	/	SYM
fsr-3925	217	20	her	her	PRON
fsr-3925	217	21	portfolio	portfolio	NOUN
fsr-3925	217	22	equal	equal	ADJ
fsr-3925	217	23	to	to	ADP
fsr-3925	217	24	“	"	PUNCT
fsr-3925	217	25	100	100	NUM
fsr-3925	217	26	minus	minus	ADP
fsr-3925	217	27	his	his	PRON
fsr-3925	217	28	/	/	SYM
fsr-3925	217	29	her	her	PRON
fsr-3925	217	30	age	age	NOUN
fsr-3925	217	31	.	.	PUNCT
fsr-3925	217	32	”	"	PUNCT
fsr-3925	218	1	the	the	DET
fsr-3925	218	2	mean	mean	ADJ
fsr-3925	218	3	rating	rating	NOUN
fsr-3925	218	4	on	on	ADP
fsr-3925	218	5	this	this	DET
fsr-3925	218	6	statement	statement	NOUN
fsr-3925	218	7	was	be	AUX
fsr-3925	218	8	2.7	2.7	NUM
fsr-3925	218	9	with	with	ADP
fsr-3925	218	10	only	only	ADV
fsr-3925	218	11	29	29	NUM
fsr-3925	218	12	%	%	NOUN
fsr-3925	218	13	agreeing	agree	VERB
fsr-3925	218	14	with	with	ADP
fsr-3925	218	15	this	this	DET
fsr-3925	218	16	statement	statement	NOUN
fsr-3925	218	17	.	.	PUNCT
fsr-3925	219	1	almost	almost	ADV
fsr-3925	219	2	one	one	NUM
fsr-3925	219	3	-	-	PUNCT
fsr-3925	219	4	half	half	NOUN
fsr-3925	219	5	(	(	PUNCT
fsr-3925	219	6	45	45	NUM
fsr-3925	219	7	%	%	NOUN
fsr-3925	219	8	)	)	PUNCT
fsr-3925	219	9	disagreed	disagree	VERB
fsr-3925	219	10	with	with	ADP
fsr-3925	219	11	this	this	DET
fsr-3925	219	12	often	often	ADV
fsr-3925	219	13	-	-	PUNCT
fsr-3925	219	14	quoted	quote	VERB
fsr-3925	219	15	rule	rule	NOUN
fsr-3925	219	16	of	of	ADP
fsr-3925	219	17	thumb	thumb	NOUN
fsr-3925	219	18	and	and	CCONJ
fsr-3925	219	19	more	more	ADJ
fsr-3925	219	20	than	than	ADP
fsr-3925	219	21	one	one	NUM
fsr-3925	219	22	-	-	PUNCT
fsr-3925	219	23	fourth	fourth	NOUN
fsr-3925	219	24	(	(	PUNCT
fsr-3925	219	25	26	26	NUM
fsr-3925	219	26	%	%	NOUN
fsr-3925	219	27	)	)	PUNCT
fsr-3925	219	28	were	be	AUX
fsr-3925	219	29	uncertain	uncertain	ADJ
fsr-3925	219	30	.	.	PUNCT
fsr-3925	220	1	planners	planner	NOUN
fsr-3925	220	2	rated	rate	VERB
fsr-3925	220	3	this	this	DET
fsr-3925	220	4	piece	piece	NOUN
fsr-3925	220	5	of	of	ADP
fsr-3925	220	6	advice	advice	NOUN
fsr-3925	220	7	significantly	significantly	ADV
fsr-3925	220	8	(	(	PUNCT
fsr-3925	220	9	p	p	X
fsr-3925	220	10	,	,	PUNCT
fsr-3925	220	11	.05	.05	NUM
fsr-3925	220	12	)	)	PUNCT
fsr-3925	220	13	lower	low	ADJ
fsr-3925	220	14	on	on	ADP
fsr-3925	220	15	the	the	DET
fsr-3925	220	16	5	5	NUM
fsr-3925	220	17	-	-	PUNCT
fsr-3925	220	18	point	point	NOUN
fsr-3925	220	19	scale	scale	NOUN
fsr-3925	220	20	than	than	SCONJ
fsr-3925	220	21	did	do	VERB
fsr-3925	220	22	the	the	DET
fsr-3925	220	23	educators	educator	NOUN
fsr-3925	220	24	.	.	PUNCT
fsr-3925	221	1	5	5	X
fsr-3925	221	2	.	.	X
fsr-3925	221	3	summary	summary	NOUN
fsr-3925	221	4	and	and	CCONJ
fsr-3925	221	5	conclusions	conclusion	NOUN
fsr-3925	221	6	this	this	DET
fsr-3925	221	7	study	study	NOUN
fsr-3925	221	8	determined	determine	VERB
fsr-3925	221	9	that	that	SCONJ
fsr-3925	221	10	there	there	PRON
fsr-3925	221	11	was	be	VERB
fsr-3925	221	12	a	a	DET
fsr-3925	221	13	relatively	relatively	ADV
fsr-3925	221	14	high	high	ADJ
fsr-3925	221	15	level	level	NOUN
fsr-3925	221	16	of	of	ADP
fsr-3925	221	17	consensus	consensus	NOUN
fsr-3925	221	18	among	among	ADP
fsr-3925	221	19	the	the	DET
fsr-3925	221	20	financial	financial	ADJ
fsr-3925	221	21	experts	expert	NOUN
fsr-3925	221	22	regarding	regard	VERB
fsr-3925	221	23	general	general	ADJ
fsr-3925	221	24	retirement	retirement	NOUN
fsr-3925	221	25	planning	planning	NOUN
fsr-3925	221	26	guidelines	guideline	NOUN
fsr-3925	221	27	.	.	PUNCT
fsr-3925	222	1	there	there	PRON
fsr-3925	222	2	was	be	VERB
fsr-3925	222	3	more	more	ADJ
fsr-3925	222	4	agreement	agreement	NOUN
fsr-3925	222	5	on	on	ADP
fsr-3925	222	6	the	the	DET
fsr-3925	222	7	guidelines	guideline	NOUN
fsr-3925	222	8	for	for	ADP
fsr-3925	222	9	planning	planning	NOUN
fsr-3925	222	10	assumptions	assumption	NOUN
fsr-3925	222	11	and	and	CCONJ
fsr-3925	222	12	meeting	meet	VERB
fsr-3925	222	13	retirement	retirement	NOUN
fsr-3925	222	14	needs	need	NOUN
fsr-3925	222	15	than	than	ADP
fsr-3925	222	16	about	about	ADP
fsr-3925	222	17	timing	timing	NOUN
fsr-3925	222	18	and	and	CCONJ
fsr-3925	222	19	asset	asset	NOUN
fsr-3925	222	20	allocation	allocation	NOUN
fsr-3925	222	21	.	.	PUNCT
fsr-3925	223	1	a	a	DET
fsr-3925	223	2	strong	strong	ADJ
fsr-3925	223	3	consensus	consensus	NOUN
fsr-3925	223	4	was	be	AUX
fsr-3925	223	5	found	find	VERB
fsr-3925	223	6	for	for	ADP
fsr-3925	223	7	using	use	VERB
fsr-3925	223	8	a	a	DET
fsr-3925	223	9	4	4	NUM
fsr-3925	223	10	%	%	NOUN
fsr-3925	223	11	inflation	inflation	NOUN
fsr-3925	223	12	rate	rate	NOUN
fsr-3925	223	13	,	,	PUNCT
fsr-3925	223	14	a	a	DET
fsr-3925	223	15	8.5	8.5	NUM
fsr-3925	223	16	%	%	NOUN
fsr-3925	223	17	rate	rate	NOUN
fsr-3925	223	18	of	of	ADP
fsr-3925	223	19	return	return	NOUN
fsr-3925	223	20	on	on	ADP
fsr-3925	223	21	investments	investment	NOUN
fsr-3925	223	22	,	,	PUNCT
fsr-3925	223	23	and	and	CCONJ
fsr-3925	223	24	a	a	DET
fsr-3925	223	25	replacement	replacement	NOUN
fsr-3925	223	26	ratio	ratio	NOUN
fsr-3925	223	27	of	of	ADP
fsr-3925	223	28	70–89	70–89	NUM
fsr-3925	223	29	%	%	NOUN
fsr-3925	223	30	of	of	ADP
fsr-3925	223	31	current	current	ADJ
fsr-3925	223	32	income	income	NOUN
fsr-3925	223	33	when	when	SCONJ
fsr-3925	223	34	making	make	VERB
fsr-3925	223	35	retirement	retirement	NOUN
fsr-3925	223	36	projections	projection	NOUN
fsr-3925	223	37	.	.	PUNCT
fsr-3925	224	1	over	over	ADP
fsr-3925	224	2	nine	nine	NUM
fsr-3925	224	3	-	-	PUNCT
fsr-3925	224	4	tenths	tenth	NOUN
fsr-3925	224	5	of	of	ADP
fsr-3925	224	6	the	the	DET
fsr-3925	224	7	experts	expert	NOUN
fsr-3925	224	8	agreed	agree	VERB
fsr-3925	224	9	that	that	SCONJ
fsr-3925	224	10	individuals	individual	NOUN
fsr-3925	224	11	and	and	CCONJ
fsr-3925	224	12	families	family	NOUN
fsr-3925	224	13	should	should	AUX
fsr-3925	224	14	have	have	AUX
fsr-3925	224	15	achieved	achieve	VERB
fsr-3925	224	16	50–60	50–60	NUM
fsr-3925	224	17	%	%	NOUN
fsr-3925	224	18	of	of	ADP
fsr-3925	224	19	their	their	PRON
fsr-3925	224	20	retirement	retirement	NOUN
fsr-3925	224	21	savings	saving	NOUN
fsr-3925	224	22	goal	goal	NOUN
fsr-3925	224	23	by	by	ADP
fsr-3925	224	24	age	age	NOUN
fsr-3925	224	25	50	50	NUM
fsr-3925	224	26	and	and	CCONJ
fsr-3925	224	27	85–90	85–90	NUM
fsr-3925	224	28	%	%	NOUN
fsr-3925	224	29	by	by	ADP
fsr-3925	224	30	age	age	NOUN
fsr-3925	224	31	60	60	NUM
fsr-3925	224	32	.	.	PUNCT
fsr-3925	225	1	although	although	SCONJ
fsr-3925	225	2	the	the	DET
fsr-3925	225	3	majority	majority	NOUN
fsr-3925	225	4	(	(	PUNCT
fsr-3925	225	5	60	60	NUM
fsr-3925	225	6	%	%	NOUN
fsr-3925	225	7	)	)	PUNCT
fsr-3925	225	8	of	of	ADP
fsr-3925	225	9	the	the	DET
fsr-3925	225	10	experts	expert	NOUN
fsr-3925	225	11	agreed	agree	VERB
fsr-3925	225	12	that	that	SCONJ
fsr-3925	225	13	it	it	PRON
fsr-3925	225	14	was	be	AUX
fsr-3925	225	15	prudent	prudent	ADJ
fsr-3925	225	16	to	to	PART
fsr-3925	225	17	start	start	VERB
fsr-3925	225	18	moving	move	VERB
fsr-3925	225	19	portfolio	portfolio	NOUN
fsr-3925	225	20	holdings	holding	NOUN
fsr-3925	225	21	toward	toward	ADP
fsr-3925	225	22	more	more	ADJ
fsr-3925	225	23	conservative	conservative	ADJ
fsr-3925	225	24	investments	investment	NOUN
fsr-3925	225	25	about	about	ADP
fsr-3925	225	26	3–5	3–5	NUM
fsr-3925	225	27	years	year	NOUN
fsr-3925	225	28	before	before	ADP
fsr-3925	225	29	retirement	retirement	NOUN
fsr-3925	225	30	,	,	PUNCT
fsr-3925	225	31	the	the	DET
fsr-3925	225	32	planners	planner	NOUN
fsr-3925	225	33	recommended	recommend	VERB
fsr-3925	225	34	that	that	SCONJ
fsr-3925	225	35	the	the	DET
fsr-3925	225	36	repositioning	repositioning	NOUN
fsr-3925	225	37	occur	occur	VERB
fsr-3925	225	38	in	in	ADP
fsr-3925	225	39	closer	close	ADJ
fsr-3925	225	40	proximity	proximity	NOUN
fsr-3925	225	41	to	to	ADP
fsr-3925	225	42	retirement	retirement	NOUN
fsr-3925	225	43	than	than	ADP
fsr-3925	225	44	the	the	DET
fsr-3925	225	45	educators	educator	NOUN
fsr-3925	225	46	.	.	PUNCT
fsr-3925	226	1	planners	planner	NOUN
fsr-3925	226	2	also	also	ADV
fsr-3925	226	3	recommended	recommend	VERB
fsr-3925	226	4	that	that	SCONJ
fsr-3925	226	5	a	a	DET
fsr-3925	226	6	significantly	significantly	ADV
fsr-3925	226	7	higher	high	ADJ
fsr-3925	226	8	proportion	proportion	NOUN
fsr-3925	226	9	of	of	ADP
fsr-3925	226	10	growth	growth	NOUN
fsr-3925	226	11	-	-	PUNCT
fsr-3925	226	12	oriented	orient	VERB
fsr-3925	226	13	assets	asset	NOUN
fsr-3925	226	14	be	be	AUX
fsr-3925	226	15	held	hold	VERB
fsr-3925	226	16	during	during	ADP
fsr-3925	226	17	retirement	retirement	NOUN
fsr-3925	226	18	than	than	ADP
fsr-3925	226	19	educators	educator	NOUN
fsr-3925	226	20	.	.	PUNCT
fsr-3925	227	1	there	there	PRON
fsr-3925	227	2	were	be	VERB
fsr-3925	227	3	few	few	ADJ
fsr-3925	227	4	differences	difference	NOUN
fsr-3925	227	5	in	in	ADP
fsr-3925	227	6	the	the	DET
fsr-3925	227	7	study	study	NOUN
fsr-3925	227	8	’s	’s	PART
fsr-3925	227	9	findings	finding	NOUN
fsr-3925	227	10	based	base	VERB
fsr-3925	227	11	on	on	ADP
fsr-3925	227	12	the	the	DET
fsr-3925	227	13	gender	gender	NOUN
fsr-3925	227	14	of	of	ADP
fsr-3925	227	15	the	the	DET
fsr-3925	227	16	experts	expert	NOUN
fsr-3925	227	17	.	.	PUNCT
fsr-3925	228	1	in	in	ADP
fsr-3925	228	2	conclusion	conclusion	NOUN
fsr-3925	228	3	,	,	PUNCT
fsr-3925	228	4	this	this	DET
fsr-3925	228	5	project	project	NOUN
fsr-3925	228	6	has	have	AUX
fsr-3925	228	7	contributed	contribute	VERB
fsr-3925	228	8	new	new	ADJ
fsr-3925	228	9	knowledge	knowledge	NOUN
fsr-3925	228	10	and	and	CCONJ
fsr-3925	228	11	information	information	NOUN
fsr-3925	228	12	that	that	PRON
fsr-3925	228	13	should	should	AUX
fsr-3925	228	14	be	be	AUX
fsr-3925	228	15	incorporated	incorporate	VERB
fsr-3925	228	16	into	into	ADP
fsr-3925	228	17	the	the	DET
fsr-3925	228	18	curriculum	curriculum	NOUN
fsr-3925	228	19	and	and	CCONJ
fsr-3925	228	20	educational	educational	ADJ
fsr-3925	228	21	materials	material	NOUN
fsr-3925	228	22	designed	design	VERB
fsr-3925	228	23	for	for	ADP
fsr-3925	228	24	retirement	retirement	NOUN
fsr-3925	228	25	education	education	NOUN
fsr-3925	228	26	programs	program	NOUN
fsr-3925	228	27	and	and	CCONJ
fsr-3925	228	28	personal	personal	ADJ
fsr-3925	228	29	finance	finance	NOUN
fsr-3925	228	30	classes	class	NOUN
fsr-3925	228	31	.	.	PUNCT
fsr-3925	229	1	as	as	ADP
fsr-3925	229	2	with	with	ADP
fsr-3925	229	3	much	much	ADJ
fsr-3925	229	4	research	research	NOUN
fsr-3925	229	5	,	,	PUNCT
fsr-3925	229	6	the	the	DET
fsr-3925	229	7	results	result	NOUN
fsr-3925	229	8	of	of	ADP
fsr-3925	229	9	this	this	DET
fsr-3925	229	10	project	project	NOUN
fsr-3925	229	11	raised	raise	VERB
fsr-3925	229	12	as	as	ADV
fsr-3925	229	13	many	many	ADJ
fsr-3925	229	14	questions	question	NOUN
fsr-3925	229	15	for	for	ADP
fsr-3925	229	16	future	future	ADJ
fsr-3925	229	17	research	research	NOUN
fsr-3925	229	18	as	as	SCONJ
fsr-3925	229	19	it	it	PRON
fsr-3925	229	20	provided	provide	VERB
fsr-3925	229	21	answers	answer	NOUN
fsr-3925	229	22	.	.	PUNCT
fsr-3925	230	1	on	on	ADP
fsr-3925	230	2	the	the	DET
fsr-3925	230	3	guidelines	guideline	NOUN
fsr-3925	230	4	where	where	SCONJ
fsr-3925	230	5	there	there	PRON
fsr-3925	230	6	was	be	VERB
fsr-3925	230	7	a	a	DET
fsr-3925	230	8	high	high	ADJ
fsr-3925	230	9	level	level	NOUN
fsr-3925	230	10	of	of	ADP
fsr-3925	230	11	agreement	agreement	NOUN
fsr-3925	230	12	,	,	PUNCT
fsr-3925	230	13	it	it	PRON
fsr-3925	230	14	would	would	AUX
fsr-3925	230	15	be	be	AUX
fsr-3925	230	16	useful	useful	ADJ
fsr-3925	230	17	to	to	PART
fsr-3925	230	18	know	know	VERB
fsr-3925	230	19	how	how	SCONJ
fsr-3925	230	20	the	the	DET
fsr-3925	230	21	advice	advice	NOUN
fsr-3925	230	22	stacks	stack	VERB
fsr-3925	230	23	up	up	ADP
fsr-3925	230	24	against	against	ADP
fsr-3925	230	25	the	the	DET
fsr-3925	230	26	reality	reality	NOUN
fsr-3925	230	27	of	of	ADP
fsr-3925	230	28	what	what	PRON
fsr-3925	230	29	families	family	NOUN
fsr-3925	230	30	and	and	CCONJ
fsr-3925	230	31	individuals	individual	NOUN
fsr-3925	230	32	are	be	AUX
fsr-3925	230	33	actually	actually	ADV
fsr-3925	230	34	doing	do	VERB
fsr-3925	230	35	.	.	PUNCT
fsr-3925	231	1	for	for	ADP
fsr-3925	231	2	example	example	NOUN
fsr-3925	231	3	,	,	PUNCT
fsr-3925	231	4	it	it	PRON
fsr-3925	231	5	would	would	AUX
fsr-3925	231	6	be	be	AUX
fsr-3925	231	7	interesting	interesting	ADJ
fsr-3925	231	8	to	to	PART
fsr-3925	231	9	determine	determine	VERB
fsr-3925	231	10	how	how	SCONJ
fsr-3925	231	11	many	many	ADJ
fsr-3925	231	12	50	50	NUM
fsr-3925	231	13	-	-	PUNCT
fsr-3925	231	14	years	year	NOUN
fsr-3925	231	15	olds	old	NOUN
fsr-3925	231	16	have	have	AUX
fsr-3925	231	17	actually	actually	ADV
fsr-3925	231	18	achieved	achieve	VERB
fsr-3925	231	19	50–60	50–60	NUM
fsr-3925	231	20	%	%	NOUN
fsr-3925	231	21	of	of	ADP
fsr-3925	231	22	their	their	PRON
fsr-3925	231	23	retirement	retirement	NOUN
fsr-3925	231	24	savings	saving	NOUN
fsr-3925	231	25	goal	goal	NOUN
fsr-3925	231	26	or	or	CCONJ
fsr-3925	231	27	how	how	SCONJ
fsr-3925	231	28	many	many	ADJ
fsr-3925	231	29	retirees	retiree	NOUN
fsr-3925	231	30	currently	currently	ADV
fsr-3925	231	31	hold	hold	VERB
fsr-3925	231	32	growth	growth	NOUN
fsr-3925	231	33	-	-	PUNCT
fsr-3925	231	34	oriented	orient	VERB
fsr-3925	231	35	equities	equity	NOUN
fsr-3925	231	36	in	in	ADP
fsr-3925	231	37	the	the	DET
fsr-3925	231	38	recommended	recommend	VERB
fsr-3925	231	39	proportions	proportion	NOUN
fsr-3925	231	40	suggested	suggest	VERB
fsr-3925	231	41	by	by	ADP
fsr-3925	231	42	the	the	DET
fsr-3925	231	43	panel	panel	NOUN
fsr-3925	231	44	.	.	PUNCT
fsr-3925	232	1	furthermore	furthermore	ADV
fsr-3925	232	2	,	,	PUNCT
fsr-3925	232	3	it	it	PRON
fsr-3925	232	4	would	would	AUX
fsr-3925	232	5	be	be	AUX
fsr-3925	232	6	of	of	ADP
fsr-3925	232	7	value	value	NOUN
fsr-3925	232	8	to	to	PART
fsr-3925	232	9	find	find	VERB
fsr-3925	232	10	out	out	ADP
fsr-3925	232	11	what	what	PRON
fsr-3925	232	12	guidelines	guideline	NOUN
fsr-3925	232	13	people	people	NOUN
fsr-3925	232	14	tend	tend	VERB
fsr-3925	232	15	to	to	PART
fsr-3925	232	16	have	have	VERB
fsr-3925	232	17	in	in	ADP
fsr-3925	232	18	their	their	PRON
fsr-3925	232	19	heads	head	NOUN
fsr-3925	232	20	regarding	regard	VERB
fsr-3925	232	21	retirement	retirement	NOUN
fsr-3925	232	22	planning	planning	NOUN
fsr-3925	232	23	and	and	CCONJ
fsr-3925	232	24	how	how	SCONJ
fsr-3925	232	25	well	well	ADV
fsr-3925	232	26	these	these	PRON
fsr-3925	232	27	match	match	VERB
fsr-3925	232	28	up	up	ADP
fsr-3925	232	29	with	with	ADP
fsr-3925	232	30	those	those	PRON
fsr-3925	232	31	of	of	ADP
fsr-3925	232	32	the	the	DET
fsr-3925	232	33	experts	expert	NOUN
fsr-3925	232	34	.	.	PUNCT
fsr-3925	233	1	243s.a	243s.a	X
fsr-3925	233	2	.	.	PUNCT
fsr-3925	234	1	greninger	greninger	NOUN
fsr-3925	234	2	et	et	PROPN
fsr-3925	234	3	al	al	PROPN
fsr-3925	234	4	.	.	PUNCT
fsr-3925	234	5	/	/	SYM
fsr-3925	234	6	financial	financial	ADJ
fsr-3925	234	7	services	service	NOUN
fsr-3925	234	8	review	review	VERB
fsr-3925	234	9	9	9	NUM
fsr-3925	234	10	(	(	PUNCT
fsr-3925	234	11	2000	2000	NUM
fsr-3925	234	12	)	)	PUNCT
fsr-3925	234	13	231–245	231–245	NUM
fsr-3925	234	14	acknowledgments	acknowledgment	NOUN
fsr-3925	234	15	preparation	preparation	NOUN
fsr-3925	234	16	of	of	ADP
fsr-3925	234	17	this	this	DET
fsr-3925	234	18	article	article	NOUN
fsr-3925	234	19	was	be	AUX
fsr-3925	234	20	supported	support	VERB
fsr-3925	234	21	in	in	ADP
fsr-3925	234	22	part	part	NOUN
fsr-3925	234	23	by	by	ADP
fsr-3925	234	24	a	a	DET
fsr-3925	234	25	grant	grant	NOUN
fsr-3925	234	26	from	from	ADP
fsr-3925	234	27	the	the	DET
fsr-3925	234	28	certified	certify	VERB
fsr-3925	234	29	financial	financial	ADJ
fsr-3925	234	30	planner	planner	NOUN
fsr-3925	234	31	board	board	NOUN
fsr-3925	234	32	of	of	ADP
fsr-3925	234	33	standards	standard	NOUN
fsr-3925	234	34	(	(	PUNCT
fsr-3925	234	35	cfp	cfp	PROPN
fsr-3925	234	36	board	board	PROPN
fsr-3925	234	37	)	)	PUNCT
fsr-3925	234	38	.	.	PUNCT
fsr-3925	235	1	references	reference	NOUN
fsr-3925	235	2	american	american	PROPN
fsr-3925	235	3	association	association	PROPN
fsr-3925	235	4	of	of	ADP
fsr-3925	235	5	retired	retire	VERB
fsr-3925	235	6	persons	person	NOUN
fsr-3925	235	7	.	.	PUNCT
fsr-3925	236	1	(	(	PUNCT
fsr-3925	236	2	1994).aging	1994).age	VERB
fsr-3925	236	3	baby	baby	NOUN
fsr-3925	236	4	boomers	boomer	NOUN
fsr-3925	236	5	:	:	PUNCT
fsr-3925	236	6	how	how	SCONJ
fsr-3925	236	7	secure	secure	ADJ
fsr-3925	236	8	is	be	AUX
fsr-3925	236	9	their	their	PRON
fsr-3925	236	10	economic	economic	ADJ
fsr-3925	236	11	future	future	NOUN
fsr-3925	236	12	?	?	PUNCT
fsr-3925	237	1	washington	washington	PROPN
fsr-3925	237	2	,	,	PUNCT
fsr-3925	237	3	dc	dc	PROPN
fsr-3925	237	4	.	.	PUNCT
fsr-3925	237	5	bassett	bassett	PROPN
fsr-3925	237	6	,	,	PUNCT
fsr-3925	237	7	w.	w.	PROPN
fsr-3925	237	8	f.	f.	PROPN
fsr-3925	237	9	,	,	PUNCT
fsr-3925	237	10	fleming	fleming	PROPN
fsr-3925	237	11	,	,	PUNCT
fsr-3925	237	12	m.	m.	NOUN
fsr-3925	237	13	j.	j.	PROPN
fsr-3925	237	14	,	,	PUNCT
fsr-3925	237	15	&	&	CCONJ
fsr-3925	237	16	rodrigues	rodrigues	PROPN
fsr-3925	237	17	,	,	PUNCT
fsr-3925	237	18	a.	a.	NOUN
fsr-3925	237	19	p.	p.	NOUN
fsr-3925	237	20	(	(	PUNCT
fsr-3925	237	21	1998	1998	NUM
fsr-3925	237	22	)	)	PUNCT
fsr-3925	237	23	.	.	PUNCT
fsr-3925	238	1	how	how	SCONJ
fsr-3925	238	2	workers	worker	NOUN
fsr-3925	238	3	use	use	VERB
fsr-3925	238	4	401(k	401(k	NOUN
fsr-3925	238	5	)	)	PUNCT
fsr-3925	238	6	plans	plan	NOUN
fsr-3925	238	7	:	:	PUNCT
fsr-3925	238	8	the	the	DET
fsr-3925	238	9	participation	participation	NOUN
fsr-3925	238	10	,	,	PUNCT
fsr-3925	238	11	contribution	contribution	NOUN
fsr-3925	238	12	,	,	PUNCT
fsr-3925	238	13	and	and	CCONJ
fsr-3925	238	14	withdrawal	withdrawal	NOUN
fsr-3925	238	15	decisions.national	decisions.national	PROPN
fsr-3925	238	16	tax	tax	NOUN
fsr-3925	238	17	journal	journal	NOUN
fsr-3925	238	18	,	,	PUNCT
fsr-3925	238	19	li	li	PROPN
fsr-3925	238	20	,	,	PUNCT
fsr-3925	238	21	263–289	263–289	NUM
fsr-3925	238	22	.	.	PUNCT
fsr-3925	239	1	bierman	bierman	PROPN
fsr-3925	239	2	h.	h.	PROPN
fsr-3925	239	3	,	,	PUNCT
fsr-3925	239	4	jr	jr	PROPN
fsr-3925	239	5	.	.	PROPN
fsr-3925	239	6	(	(	PUNCT
fsr-3925	239	7	1997	1997	NUM
fsr-3925	239	8	)	)	PUNCT
fsr-3925	239	9	.	.	PUNCT
fsr-3925	240	1	portfolio	portfolio	NOUN
fsr-3925	240	2	allocation	allocation	NOUN
fsr-3925	240	3	and	and	CCONJ
fsr-3925	240	4	the	the	DET
fsr-3925	240	5	investment	investment	NOUN
fsr-3925	240	6	horizon.journal	horizon.journal	PROPN
fsr-3925	240	7	of	of	ADP
fsr-3925	240	8	portfolio	portfolio	NOUN
fsr-3925	240	9	management	management	NOUN
fsr-3925	240	10	,	,	PUNCT
fsr-3925	240	11	23	23	NUM
fsr-3925	240	12	,	,	PUNCT
fsr-3925	240	13	51–55	51–55	NUM
fsr-3925	240	14	.	.	PUNCT
fsr-3925	241	1	bierman	bierman	PROPN
fsr-3925	241	2	jr	jr	PROPN
fsr-3925	241	3	.	.	PROPN
fsr-3925	241	4	,	,	PUNCT
fsr-3925	241	5	h.	h.	PROPN
fsr-3925	241	6	(	(	PUNCT
fsr-3925	241	7	1998	1998	NUM
fsr-3925	241	8	)	)	PUNCT
fsr-3925	241	9	.	.	PUNCT
fsr-3925	242	1	a	a	DET
fsr-3925	242	2	utility	utility	NOUN
fsr-3925	242	3	approach	approach	NOUN
fsr-3925	242	4	to	to	ADP
fsr-3925	242	5	the	the	DET
fsr-3925	242	6	portfolio	portfolio	NOUN
fsr-3925	242	7	allocation	allocation	NOUN
fsr-3925	242	8	decision	decision	NOUN
fsr-3925	242	9	and	and	CCONJ
fsr-3925	242	10	the	the	DET
fsr-3925	242	11	investment	investment	NOUN
fsr-3925	242	12	horizon.journal	horizon.journal	PROPN
fsr-3925	242	13	of	of	ADP
fsr-3925	242	14	portfolio	portfolio	NOUN
fsr-3925	242	15	management	management	NOUN
fsr-3925	242	16	,	,	PUNCT
fsr-3925	242	17	25,81–87	25,81–87	NOUN
fsr-3925	242	18	.	.	PUNCT
fsr-3925	243	1	bodie	bodie	PROPN
fsr-3925	243	2	,	,	PUNCT
fsr-3925	243	3	z.	z.	PROPN
fsr-3925	243	4	,	,	PUNCT
fsr-3925	243	5	merton	merton	PROPN
fsr-3925	243	6	,	,	PUNCT
fsr-3925	243	7	r.	r.	PROPN
fsr-3925	243	8	c.	c.	PROPN
fsr-3925	243	9	,	,	PUNCT
fsr-3925	243	10	&	&	CCONJ
fsr-3925	243	11	samuelson	samuelson	PROPN
fsr-3925	243	12	,	,	PUNCT
fsr-3925	243	13	w.	w.	PROPN
fsr-3925	243	14	f.	f.	PROPN
fsr-3925	243	15	(	(	PUNCT
fsr-3925	243	16	1992	1992	NUM
fsr-3925	243	17	)	)	PUNCT
fsr-3925	243	18	.	.	PUNCT
fsr-3925	244	1	labor	labor	NOUN
fsr-3925	244	2	supply	supply	NOUN
fsr-3925	244	3	flexibility	flexibility	NOUN
fsr-3925	244	4	and	and	CCONJ
fsr-3925	244	5	portfolio	portfolio	NOUN
fsr-3925	244	6	choice	choice	NOUN
fsr-3925	244	7	in	in	ADP
fsr-3925	244	8	a	a	DET
fsr-3925	244	9	life	life	NOUN
fsr-3925	244	10	cycle	cycle	NOUN
fsr-3925	244	11	model.journal	model.journal	ADJ
fsr-3925	244	12	of	of	ADP
fsr-3925	244	13	economic	economic	ADJ
fsr-3925	244	14	dynamics	dynamic	NOUN
fsr-3925	244	15	and	and	CCONJ
fsr-3925	244	16	control	control	NOUN
fsr-3925	244	17	,	,	PUNCT
fsr-3925	244	18	16,427–449	16,427–449	PROPN
fsr-3925	244	19	.	.	PUNCT
fsr-3925	244	20	butler	butler	PROPN
fsr-3925	244	21	,	,	PUNCT
fsr-3925	244	22	k.	k.	PROPN
fsr-3925	244	23	c.	c.	PROPN
fsr-3925	244	24	,	,	PUNCT
fsr-3925	244	25	&	&	CCONJ
fsr-3925	244	26	domian	domian	PROPN
fsr-3925	244	27	,	,	PUNCT
fsr-3925	244	28	d.	d.	PROPN
fsr-3925	244	29	l.	l.	PROPN
fsr-3925	244	30	(	(	PUNCT
fsr-3925	244	31	1991	1991	NUM
fsr-3925	244	32	)	)	PUNCT
fsr-3925	244	33	.	.	PUNCT
fsr-3925	245	1	risk	risk	NOUN
fsr-3925	245	2	,	,	PUNCT
fsr-3925	245	3	diversification	diversification	NOUN
fsr-3925	245	4	and	and	CCONJ
fsr-3925	245	5	the	the	DET
fsr-3925	245	6	investment	investment	NOUN
fsr-3925	245	7	horizon.journal	horizon.journal	PROPN
fsr-3925	245	8	of	of	ADP
fsr-3925	245	9	portfolio	portfolio	NOUN
fsr-3925	245	10	management	management	NOUN
fsr-3925	245	11	,	,	PUNCT
fsr-3925	245	12	17,41–47	17,41–47	NOUN
fsr-3925	245	13	.	.	PUNCT
fsr-3925	245	14	certified	certify	VERB
fsr-3925	245	15	financial	financial	ADJ
fsr-3925	245	16	planning	planning	NOUN
fsr-3925	245	17	board	board	NOUN
fsr-3925	245	18	of	of	ADP
fsr-3925	245	19	standards	standard	NOUN
fsr-3925	245	20	.	.	PUNCT
fsr-3925	246	1	(	(	PUNCT
fsr-3925	246	2	1999).1999	1999).1999	PROPN
fsr-3925	246	3	cfp	cfp	PROPN
fsr-3925	246	4	board	board	PROPN
fsr-3925	246	5	consumer	consumer	PROPN
fsr-3925	246	6	survey.denver	survey.denver	PROPN
fsr-3925	246	7	:	:	PUNCT
fsr-3925	246	8	author	author	NOUN
fsr-3925	246	9	.	.	PUNCT
fsr-3925	246	10	retrieved	retrieve	VERB
fsr-3925	246	11	december	december	PROPN
fsr-3925	246	12	21	21	NUM
fsr-3925	246	13	,	,	PUNCT
fsr-3925	246	14	2000	2000	NUM
fsr-3925	246	15	from	from	ADP
fsr-3925	246	16	the	the	DET
fsr-3925	246	17	world	world	NOUN
fsr-3925	246	18	wide	wide	ADJ
fsr-3925	246	19	web	web	NOUN
fsr-3925	246	20	:	:	PUNCT
fsr-3925	246	21	http://www.cfp-board.org/press_1999consumer	http://www.cfp-board.org/press_1999consumer	PROPN
fsr-3925	246	22	.	.	PROPN
fsr-3925	246	23	html	html	PROPN
fsr-3925	246	24	certified	certify	VERB
fsr-3925	246	25	financial	financial	ADJ
fsr-3925	246	26	planning	planning	NOUN
fsr-3925	246	27	board	board	NOUN
fsr-3925	246	28	of	of	ADP
fsr-3925	246	29	standards	standard	NOUN
fsr-3925	246	30	.	.	PUNCT
fsr-3925	247	1	(	(	PUNCT
fsr-3925	247	2	2000	2000	NUM
fsr-3925	247	3	)	)	PUNCT
fsr-3925	247	4	.	.	PUNCT
fsr-3925	248	1	twenty	twenty	NUM
fsr-3925	248	2	-	-	PUNCT
fsr-3925	248	3	two	two	NUM
fsr-3925	248	4	educational	educational	ADJ
fsr-3925	248	5	institutions	institution	NOUN
fsr-3925	248	6	register	register	VERB
fsr-3925	248	7	programs	program	NOUN
fsr-3925	248	8	with	with	ADP
fsr-3925	248	9	the	the	DET
fsr-3925	248	10	cfp	cfp	PROPN
fsr-3925	248	11	board	board	NOUN
fsr-3925	248	12	in	in	ADP
fsr-3925	248	13	2000.cfp	2000.cfp	NUM
fsr-3925	248	14	board	board	NOUN
fsr-3925	248	15	report	report	NOUN
fsr-3925	248	16	,	,	PUNCT
fsr-3925	248	17	7(6	7(6	NUM
fsr-3925	248	18	)	)	PUNCT
fsr-3925	248	19	,	,	PUNCT
fsr-3925	248	20	4	4	X
fsr-3925	248	21	.	.	X
fsr-3925	248	22	congressional	congressional	ADJ
fsr-3925	248	23	budget	budget	NOUN
fsr-3925	248	24	office	office	NOUN
fsr-3925	248	25	.	.	PUNCT
fsr-3925	249	1	(	(	PUNCT
fsr-3925	249	2	1993	1993	NUM
fsr-3925	249	3	)	)	PUNCT
fsr-3925	249	4	.	.	PUNCT
fsr-3925	250	1	baby	baby	NOUN
fsr-3925	250	2	boomers	boomer	NOUN
fsr-3925	250	3	in	in	ADP
fsr-3925	250	4	retirement	retirement	NOUN
fsr-3925	250	5	:	:	PUNCT
fsr-3925	250	6	an	an	DET
fsr-3925	250	7	early	early	ADJ
fsr-3925	250	8	perspective.washington	perspective.washington	PROPN
fsr-3925	250	9	,	,	PUNCT
fsr-3925	250	10	dc	dc	PROPN
fsr-3925	250	11	.	.	PUNCT
fsr-3925	251	1	easterlin	easterlin	PROPN
fsr-3925	251	2	,	,	PUNCT
fsr-3925	251	3	r.	r.	PROPN
fsr-3925	251	4	a.	a.	PROPN
fsr-3925	251	5	,	,	PUNCT
fsr-3925	251	6	schaeffer	schaeffer	PROPN
fsr-3925	251	7	,	,	PUNCT
fsr-3925	251	8	c.	c.	PROPN
fsr-3925	251	9	m.	m.	NOUN
fsr-3925	251	10	,	,	PUNCT
fsr-3925	251	11	&	&	CCONJ
fsr-3925	251	12	macunovich	macunovich	PROPN
fsr-3925	251	13	,	,	PUNCT
fsr-3925	251	14	d.	d.	PROPN
fsr-3925	251	15	j.	j.	PROPN
fsr-3925	251	16	(	(	PUNCT
fsr-3925	251	17	1993	1993	NUM
fsr-3925	251	18	)	)	PUNCT
fsr-3925	251	19	.	.	PUNCT
fsr-3925	252	1	will	will	AUX
fsr-3925	252	2	the	the	DET
fsr-3925	252	3	baby	baby	NOUN
fsr-3925	252	4	boomers	boomer	NOUN
fsr-3925	252	5	be	be	AUX
fsr-3925	252	6	less	less	ADV
fsr-3925	252	7	well	well	ADV
fsr-3925	252	8	off	off	ADV
fsr-3925	252	9	than	than	ADP
fsr-3925	252	10	their	their	PRON
fsr-3925	252	11	parents	parent	NOUN
fsr-3925	252	12	?	?	PUNCT
fsr-3925	253	1	income	income	NOUN
fsr-3925	253	2	,	,	PUNCT
fsr-3925	253	3	wealth	wealth	NOUN
fsr-3925	253	4	,	,	PUNCT
fsr-3925	253	5	and	and	CCONJ
fsr-3925	253	6	family	family	NOUN
fsr-3925	253	7	circumstances	circumstance	NOUN
fsr-3925	253	8	over	over	ADP
fsr-3925	253	9	the	the	DET
fsr-3925	253	10	life	life	NOUN
fsr-3925	253	11	cycle	cycle	NOUN
fsr-3925	253	12	in	in	ADP
fsr-3925	253	13	the	the	DET
fsr-3925	253	14	united	united	PROPN
fsr-3925	253	15	states.population	states.population	PROPN
fsr-3925	253	16	and	and	CCONJ
fsr-3925	253	17	development	development	NOUN
fsr-3925	253	18	review	review	PROPN
fsr-3925	253	19	,	,	PUNCT
fsr-3925	253	20	19	19	NUM
fsr-3925	253	21	,	,	PUNCT
fsr-3925	253	22	497–522	497–522	NUM
fsr-3925	253	23	.	.	PUNCT
fsr-3925	254	1	employee	employee	NOUN
fsr-3925	254	2	benefit	benefit	PROPN
fsr-3925	254	3	research	research	PROPN
fsr-3925	254	4	institute	institute	NOUN
fsr-3925	254	5	.	.	PUNCT
fsr-3925	255	1	(	(	PUNCT
fsr-3925	255	2	2000a).personal	2000a).personal	ADJ
fsr-3925	255	3	account	account	NOUN
fsr-3925	255	4	retirement	retirement	NOUN
fsr-3925	255	5	plans	plan	NOUN
fsr-3925	255	6	:	:	PUNCT
fsr-3925	255	7	an	an	DET
fsr-3925	255	8	analysis	analysis	NOUN
fsr-3925	255	9	of	of	ADP
fsr-3925	255	10	the	the	DET
fsr-3925	255	11	survey	survey	NOUN
fsr-3925	255	12	of	of	ADP
fsr-3925	255	13	consumer	consumer	NOUN
fsr-3925	255	14	finances(ebri	finances(ebri	NOUN
fsr-3925	255	15	issues	issue	NOUN
fsr-3925	255	16	brief	brief	VERB
fsr-3925	255	17	no	no	PRON
fsr-3925	255	18	.	.	NOUN
fsr-3925	255	19	223	223	NUM
fsr-3925	255	20	)	)	PUNCT
fsr-3925	255	21	.	.	PUNCT
fsr-3925	256	1	washington	washington	PROPN
fsr-3925	256	2	,	,	PUNCT
fsr-3925	256	3	dc	dc	PROPN
fsr-3925	256	4	:	:	PUNCT
fsr-3925	256	5	author	author	NOUN
fsr-3925	256	6	.	.	PUNCT
fsr-3925	257	1	retrieved	retrieve	VERB
fsr-3925	257	2	december	december	PROPN
fsr-3925	257	3	20	20	NUM
fsr-3925	257	4	,	,	PUNCT
fsr-3925	257	5	2000	2000	NUM
fsr-3925	257	6	from	from	ADP
fsr-3925	257	7	the	the	DET
fsr-3925	257	8	world	world	NOUN
fsr-3925	257	9	wide	wide	ADJ
fsr-3925	257	10	web	web	NOUN
fsr-3925	257	11	:	:	PUNCT
fsr-3925	257	12	http://www.ebri.org/ret_findings.htm	http://www.ebri.org/ret_findings.htm	X
fsr-3925	257	13	employee	employee	NOUN
fsr-3925	257	14	benefit	benefit	VERB
fsr-3925	257	15	research	research	PROPN
fsr-3925	257	16	institute	institute	NOUN
fsr-3925	257	17	.	.	PUNCT
fsr-3925	258	1	(	(	PUNCT
fsr-3925	258	2	2000b).2000	2000b).2000	NUM
fsr-3925	258	3	retirement	retirement	NOUN
fsr-3925	258	4	confidence	confidence	NOUN
fsr-3925	258	5	survey	survey	NOUN
fsr-3925	258	6	(	(	PUNCT
fsr-3925	258	7	rcs	rcs	NOUN
fsr-3925	258	8	)	)	PUNCT
fsr-3925	258	9	summary	summary	NOUN
fsr-3925	258	10	of	of	ADP
fsr-3925	258	11	findings	finding	NOUN
fsr-3925	258	12	.	.	PUNCT
fsr-3925	259	1	washington	washington	PROPN
fsr-3925	259	2	,	,	PUNCT
fsr-3925	259	3	dc	dc	PROPN
fsr-3925	259	4	:	:	PUNCT
fsr-3925	259	5	author	author	NOUN
fsr-3925	259	6	.	.	PUNCT
fsr-3925	260	1	england	england	PROPN
fsr-3925	260	2	,	,	PUNCT
fsr-3925	260	3	c.	c.	PROPN
fsr-3925	260	4	b.	b.	PROPN
fsr-3925	260	5	(	(	PUNCT
fsr-3925	260	6	1988	1988	NUM
fsr-3925	260	7	)	)	PUNCT
fsr-3925	260	8	.	.	PUNCT
fsr-3925	261	1	how	how	SCONJ
fsr-3925	261	2	much	much	ADJ
fsr-3925	261	3	retirement	retirement	NOUN
fsr-3925	261	4	income	income	NOUN
fsr-3925	261	5	do	do	VERB
fsr-3925	261	6	employees	employee	NOUN
fsr-3925	261	7	need?benefits	need?benefit	NOUN
fsr-3925	261	8	quarterly	quarterly	ADV
fsr-3925	261	9	,	,	PUNCT
fsr-3925	261	10	iv(1	iv(1	NOUN
fsr-3925	261	11	)	)	PUNCT
fsr-3925	261	12	,	,	PUNCT
fsr-3925	261	13	1–5	1–5	PROPN
fsr-3925	261	14	.	.	PROPN
fsr-3925	261	15	gustman	gustman	NOUN
fsr-3925	261	16	,	,	PUNCT
fsr-3925	261	17	a.	a.	PROPN
fsr-3925	261	18	l.	l.	PROPN
fsr-3925	261	19	,	,	PUNCT
fsr-3925	261	20	mitchell	mitchell	PROPN
fsr-3925	261	21	,	,	PUNCT
fsr-3925	261	22	o.	o.	PROPN
fsr-3925	261	23	s.	s.	PROPN
fsr-3925	261	24	,	,	PUNCT
fsr-3925	261	25	&	&	CCONJ
fsr-3925	261	26	steinmeier	steinmeier	PROPN
fsr-3925	261	27	,	,	PUNCT
fsr-3925	261	28	t.	t.	PROPN
fsr-3925	261	29	l.	l.	PROPN
fsr-3925	261	30	(	(	PUNCT
fsr-3925	261	31	1995	1995	NUM
fsr-3925	261	32	)	)	PUNCT
fsr-3925	261	33	.	.	PUNCT
fsr-3925	262	1	retirement	retirement	NOUN
fsr-3925	262	2	measures	measure	NOUN
fsr-3925	262	3	in	in	ADP
fsr-3925	262	4	the	the	DET
fsr-3925	262	5	health	health	NOUN
fsr-3925	262	6	and	and	CCONJ
fsr-3925	262	7	retirement	retirement	NOUN
fsr-3925	262	8	study.journal	study.journal	NUM
fsr-3925	262	9	of	of	ADP
fsr-3925	262	10	human	human	ADJ
fsr-3925	262	11	resources	resource	NOUN
fsr-3925	262	12	,	,	PUNCT
fsr-3925	262	13	30(1995	30(1995	NUM
fsr-3925	262	14	supplement	supplement	NOUN
fsr-3925	262	15	)	)	PUNCT
fsr-3925	262	16	,	,	PUNCT
fsr-3925	262	17	s57	s57	NOUN
fsr-3925	262	18	–	–	PUNCT
fsr-3925	262	19	s83	s83	NOUN
fsr-3925	262	20	.	.	PUNCT
fsr-3925	263	1	hobbs	hobbs	PROPN
fsr-3925	263	2	,	,	PUNCT
fsr-3925	263	3	f.	f.	PROPN
fsr-3925	263	4	b.	b.	PROPN
fsr-3925	263	5	,	,	PUNCT
fsr-3925	263	6	&	&	CCONJ
fsr-3925	263	7	damon	damon	PROPN
fsr-3925	263	8	,	,	PUNCT
fsr-3925	263	9	b.	b.	PROPN
fsr-3925	263	10	l.	l.	PROPN
fsr-3925	263	11	(	(	PUNCT
fsr-3925	263	12	1996	1996	NUM
fsr-3925	263	13	)	)	PUNCT
fsr-3925	263	14	.	.	PUNCT
fsr-3925	264	1	651	651	NUM
fsr-3925	264	2	in	in	ADP
fsr-3925	264	3	the	the	DET
fsr-3925	264	4	united	united	PROPN
fsr-3925	264	5	states	states	PROPN
fsr-3925	264	6	(	(	PUNCT
fsr-3925	264	7	current	current	ADJ
fsr-3925	264	8	population	population	NOUN
fsr-3925	264	9	reports	report	NOUN
fsr-3925	264	10	p23–190	p23–190	PROPN
fsr-3925	264	11	)	)	PUNCT
fsr-3925	264	12	.	.	PUNCT
fsr-3925	265	1	washington	washington	PROPN
fsr-3925	265	2	,	,	PUNCT
fsr-3925	265	3	dc	dc	PROPN
fsr-3925	265	4	:	:	PUNCT
fsr-3925	265	5	us	us	PROPN
fsr-3925	265	6	department	department	PROPN
fsr-3925	265	7	of	of	ADP
fsr-3925	265	8	commerce	commerce	PROPN
fsr-3925	265	9	bureau	bureau	PROPN
fsr-3925	265	10	of	of	ADP
fsr-3925	265	11	the	the	DET
fsr-3925	265	12	census	census	NOUN
fsr-3925	265	13	.	.	PUNCT
fsr-3925	266	1	hodges	hodge	NOUN
fsr-3925	266	2	,	,	PUNCT
fsr-3925	266	3	c.	c.	PROPN
fsr-3925	266	4	w.	w.	PROPN
fsr-3925	266	5	,	,	PUNCT
fsr-3925	266	6	taylor	taylor	PROPN
fsr-3925	266	7	,	,	PUNCT
fsr-3925	266	8	w.	w.	PROPN
fsr-3925	266	9	r.	r.	PROPN
fsr-3925	266	10	l.	l.	PROPN
fsr-3925	266	11	,	,	PUNCT
fsr-3925	266	12	&	&	CCONJ
fsr-3925	266	13	yoder	yoder	PROPN
fsr-3925	266	14	,	,	PUNCT
fsr-3925	266	15	j.	j.	PROPN
fsr-3925	266	16	a.	a.	PROPN
fsr-3925	266	17	(	(	PUNCT
fsr-3925	266	18	1997	1997	NUM
fsr-3925	266	19	)	)	PUNCT
fsr-3925	266	20	.	.	PUNCT
fsr-3925	267	1	stocks	stock	NOUN
fsr-3925	267	2	,	,	PUNCT
fsr-3925	267	3	bonds	bond	NOUN
fsr-3925	267	4	,	,	PUNCT
fsr-3925	267	5	the	the	DET
fsr-3925	267	6	sharpe	sharpe	PROPN
fsr-3925	267	7	ratio	ratio	NOUN
fsr-3925	267	8	,	,	PUNCT
fsr-3925	267	9	and	and	CCONJ
fsr-3925	267	10	the	the	DET
fsr-3925	267	11	investment	investment	NOUN
fsr-3925	267	12	horizon.financial	horizon.financial	PROPN
fsr-3925	267	13	analysts	analyst	NOUN
fsr-3925	267	14	journal	journal	NOUN
fsr-3925	267	15	,	,	PUNCT
fsr-3925	267	16	53,74–80	53,74–80	PROPN
fsr-3925	267	17	.	.	PUNCT
fsr-3925	268	1	ibbotson	ibbotson	PROPN
fsr-3925	268	2	associates	associates	PROPN
fsr-3925	268	3	.	.	PUNCT
fsr-3925	269	1	(	(	PUNCT
fsr-3925	269	2	2000	2000	NUM
fsr-3925	269	3	)	)	PUNCT
fsr-3925	269	4	.	.	PUNCT
fsr-3925	270	1	basic	basic	ADJ
fsr-3925	270	2	series	series	NOUN
fsr-3925	270	3	:	:	PUNCT
fsr-3925	270	4	summary	summary	NOUN
fsr-3925	270	5	statistics	statistic	NOUN
fsr-3925	270	6	of	of	ADP
fsr-3925	270	7	annual	annual	ADJ
fsr-3925	270	8	total	total	ADJ
fsr-3925	270	9	returns.stocks	returns.stock	NOUN
fsr-3925	270	10	,	,	PUNCT
fsr-3925	270	11	bonds	bond	NOUN
fsr-3925	270	12	,	,	PUNCT
fsr-3925	270	13	bill	bill	NOUN
fsr-3925	270	14	,	,	PUNCT
fsr-3925	270	15	and	and	CCONJ
fsr-3925	270	16	inflation	inflation	NOUN
fsr-3925	270	17	2000	2000	NUM
fsr-3925	270	18	yearbook	yearbook	NOUN
fsr-3925	270	19	.	.	PUNCT
fsr-3925	271	1	chicago	chicago	PROPN
fsr-3925	271	2	:	:	PUNCT
fsr-3925	272	1	author	author	NOUN
fsr-3925	272	2	.	.	PUNCT
fsr-3925	272	3	kotlikoff	kotlikoff	PROPN
fsr-3925	272	4	,	,	PUNCT
fsr-3925	272	5	l.	l.	PROPN
fsr-3925	272	6	j.	j.	PROPN
fsr-3925	272	7	,	,	PUNCT
fsr-3925	272	8	&	&	CCONJ
fsr-3925	272	9	auerbach	auerbach	PROPN
fsr-3925	272	10	,	,	PUNCT
fsr-3925	272	11	a.	a.	PROPN
fsr-3925	272	12	j.	j.	PROPN
fsr-3925	272	13	(	(	PUNCT
fsr-3925	272	14	1994	1994	NUM
fsr-3925	272	15	)	)	PUNCT
fsr-3925	272	16	.	.	PUNCT
fsr-3925	273	1	u.s	u.s	PROPN
fsr-3925	273	2	.	.	PROPN
fsr-3925	273	3	fiscal	fiscal	ADJ
fsr-3925	273	4	and	and	CCONJ
fsr-3925	273	5	savings	saving	NOUN
fsr-3925	273	6	crises	crisis	NOUN
fsr-3925	273	7	and	and	CCONJ
fsr-3925	273	8	their	their	PRON
fsr-3925	273	9	impact	impact	NOUN
fsr-3925	273	10	for	for	ADP
fsr-3925	273	11	baby	baby	NOUN
fsr-3925	273	12	boomers	boomer	NOUN
fsr-3925	273	13	.	.	PUNCT
fsr-3925	274	1	retirement	retirement	NOUN
fsr-3925	274	2	in	in	ADP
fsr-3925	274	3	the	the	DET
fsr-3925	274	4	21st	21st	ADJ
fsr-3925	274	5	century	century	NOUN
fsr-3925	274	6	.	.	PUNCT
fsr-3925	274	7	.	.	PUNCT
fsr-3925	274	8	.	.	PUNCT
fsr-3925	275	1	ready	ready	ADJ
fsr-3925	275	2	or	or	CCONJ
fsr-3925	275	3	not	not	PART
fsr-3925	275	4	.	.	PUNCT
fsr-3925	275	5	.	.	PUNCT
fsr-3925	275	6	.	.	PUNCT
fsr-3925	276	1	.	.	PUNCT
fsr-3925	277	1	employee	employee	NOUN
fsr-3925	277	2	benefit	benefit	PROPN
fsr-3925	277	3	research	research	PROPN
fsr-3925	277	4	institute	institute	PROPN
fsr-3925	277	5	,	,	PUNCT
fsr-3925	277	6	85–119	85–119	PROPN
fsr-3925	277	7	.	.	PROPN
fsr-3925	277	8	kritzman	kritzman	PROPN
fsr-3925	277	9	,	,	PUNCT
fsr-3925	277	10	m.	m.	NOUN
fsr-3925	277	11	(	(	PUNCT
fsr-3925	277	12	1994	1994	NUM
fsr-3925	277	13	)	)	PUNCT
fsr-3925	277	14	.	.	PUNCT
fsr-3925	278	1	what	what	PRON
fsr-3925	278	2	practitioners	practitioner	NOUN
fsr-3925	278	3	need	need	VERB
fsr-3925	278	4	to	to	PART
fsr-3925	278	5	know	know	VERB
fsr-3925	278	6	about	about	ADP
fsr-3925	278	7	time	time	NOUN
fsr-3925	278	8	diversification.financial	diversification.financial	PROPN
fsr-3925	278	9	analysts	analyst	NOUN
fsr-3925	278	10	journal	journal	NOUN
fsr-3925	278	11	,	,	PUNCT
fsr-3925	278	12	50	50	NUM
fsr-3925	278	13	,	,	PUNCT
fsr-3925	278	14	14–18	14–18	NUM
fsr-3925	278	15	.	.	PUNCT
fsr-3925	278	16	levy	levy	NOUN
fsr-3925	278	17	,	,	PUNCT
fsr-3925	278	18	h.	h.	PROPN
fsr-3925	278	19	,	,	PUNCT
fsr-3925	278	20	&	&	CCONJ
fsr-3925	278	21	gunthorpe	gunthorpe	PROPN
fsr-3925	278	22	,	,	PUNCT
fsr-3925	278	23	d.	d.	PROPN
fsr-3925	278	24	(	(	PUNCT
fsr-3925	278	25	1993	1993	NUM
fsr-3925	278	26	)	)	PUNCT
fsr-3925	278	27	.	.	PUNCT
fsr-3925	279	1	optimal	optimal	ADJ
fsr-3925	279	2	investment	investment	NOUN
fsr-3925	279	3	proportions	proportion	NOUN
fsr-3925	279	4	in	in	ADP
fsr-3925	279	5	senior	senior	ADJ
fsr-3925	279	6	securities	security	NOUN
fsr-3925	279	7	and	and	CCONJ
fsr-3925	279	8	equities	equity	NOUN
fsr-3925	279	9	under	under	ADP
fsr-3925	279	10	alternative	alternative	NOUN
fsr-3925	279	11	holding	hold	VERB
fsr-3925	279	12	periods.journal	periods.journal	PROPN
fsr-3925	279	13	of	of	ADP
fsr-3925	279	14	portfolio	portfolio	NOUN
fsr-3925	279	15	management	management	NOUN
fsr-3925	279	16	,	,	PUNCT
fsr-3925	279	17	19,30–36	19,30–36	PROPN
fsr-3925	279	18	.	.	PUNCT
fsr-3925	279	19	linstone	linstone	PROPN
fsr-3925	279	20	,	,	PUNCT
fsr-3925	279	21	h.	h.	PROPN
fsr-3925	279	22	a.	a.	PROPN
fsr-3925	279	23	,	,	PUNCT
fsr-3925	279	24	&	&	CCONJ
fsr-3925	279	25	turoff	turoff	NOUN
fsr-3925	279	26	,	,	PUNCT
fsr-3925	279	27	m.	m.	NOUN
fsr-3925	279	28	(	(	PUNCT
fsr-3925	279	29	eds	ed	NOUN
fsr-3925	279	30	.	.	PUNCT
fsr-3925	279	31	)	)	PUNCT
fsr-3925	280	1	(	(	PUNCT
fsr-3925	280	2	1975).the	1975).the	DET
fsr-3925	280	3	delphi	delphi	NOUN
fsr-3925	280	4	method	method	NOUN
fsr-3925	280	5	:	:	PUNCT
fsr-3925	280	6	techniques	technique	NOUN
fsr-3925	280	7	and	and	CCONJ
fsr-3925	280	8	applications.boston	applications.boston	PROPN
fsr-3925	280	9	:	:	PUNCT
fsr-3925	280	10	addison	addison	PROPN
fsr-3925	280	11	-	-	PUNCT
fsr-3925	280	12	wesley	wesley	PROPN
fsr-3925	280	13	publishing	publishing	PROPN
fsr-3925	280	14	co.	co.	PROPN
fsr-3925	280	15	244	244	NUM
fsr-3925	280	16	s.a	s.a	PROPN
fsr-3925	280	17	.	.	PROPN
fsr-3925	280	18	greninger	greninger	PROPN
fsr-3925	280	19	et	et	PROPN
fsr-3925	280	20	al	al	PROPN
fsr-3925	280	21	.	.	PUNCT
fsr-3925	280	22	/	/	SYM
fsr-3925	280	23	financial	financial	ADJ
fsr-3925	280	24	services	service	NOUN
fsr-3925	280	25	review	review	VERB
fsr-3925	280	26	9	9	NUM
fsr-3925	280	27	(	(	PUNCT
fsr-3925	280	28	2000	2000	NUM
fsr-3925	280	29	)	)	PUNCT
fsr-3925	280	30	231–245	231–245	NUM
fsr-3925	280	31	mcgill	mcgill	NOUN
fsr-3925	280	32	,	,	PUNCT
fsr-3925	280	33	d.	d.	PROPN
fsr-3925	280	34	m.	m.	PROPN
fsr-3925	280	35	,	,	PUNCT
fsr-3925	280	36	brown	brown	PROPN
fsr-3925	280	37	,	,	PUNCT
fsr-3925	280	38	k.	k.	PROPN
fsr-3925	280	39	n.	n.	PROPN
fsr-3925	280	40	,	,	PUNCT
fsr-3925	280	41	haley	haley	NOUN
fsr-3925	280	42	,	,	PUNCT
fsr-3925	280	43	j.	j.	PROPN
fsr-3925	280	44	j.	j.	PROPN
fsr-3925	280	45	,	,	PUNCT
fsr-3925	280	46	&	&	CCONJ
fsr-3925	280	47	schieber	schieber	PROPN
fsr-3925	280	48	,	,	PUNCT
fsr-3925	280	49	s.	s.	PROPN
fsr-3925	280	50	j.	j.	PROPN
fsr-3925	280	51	(	(	PUNCT
fsr-3925	280	52	1996).fundamentals	1996).fundamental	NOUN
fsr-3925	280	53	of	of	ADP
fsr-3925	280	54	private	private	ADJ
fsr-3925	280	55	pensions(7th	pensions(7th	ADJ
fsr-3925	280	56	ed	ed	NOUN
fsr-3925	280	57	.	.	PUNCT
fsr-3925	280	58	)	)	PUNCT
fsr-3925	280	59	.	.	PUNCT
fsr-3925	281	1	philadelphia	philadelphia	PROPN
fsr-3925	281	2	:	:	PUNCT
fsr-3925	281	3	university	university	NOUN
fsr-3925	281	4	of	of	ADP
fsr-3925	281	5	pennsylvania	pennsylvania	PROPN
fsr-3925	281	6	press	press	PROPN
fsr-3925	281	7	.	.	PUNCT
fsr-3925	282	1	mitchell	mitchell	PROPN
fsr-3925	282	2	,	,	PUNCT
fsr-3925	282	3	o.	o.	PROPN
fsr-3925	282	4	s.	s.	PROPN
fsr-3925	282	5	,	,	PUNCT
fsr-3925	282	6	&	&	CCONJ
fsr-3925	282	7	moore	moore	PROPN
fsr-3925	282	8	,	,	PUNCT
fsr-3925	282	9	j.	j.	PROPN
fsr-3925	282	10	f.	f.	PROPN
fsr-3925	282	11	(	(	PUNCT
fsr-3925	282	12	1998	1998	NUM
fsr-3925	282	13	)	)	PUNCT
fsr-3925	282	14	.	.	PUNCT
fsr-3925	283	1	can	can	AUX
fsr-3925	283	2	americans	americans	PROPN
fsr-3925	283	3	afford	afford	VERB
fsr-3925	283	4	to	to	PART
fsr-3925	283	5	retire	retire	VERB
fsr-3925	283	6	?	?	PUNCT
fsr-3925	284	1	new	new	ADJ
fsr-3925	284	2	evidence	evidence	NOUN
fsr-3925	284	3	on	on	ADP
fsr-3925	284	4	retirement	retirement	NOUN
fsr-3925	284	5	savings	saving	NOUN
fsr-3925	284	6	adequacy.the	adequacy.the	DET
fsr-3925	284	7	journal	journal	NOUN
fsr-3925	284	8	of	of	ADP
fsr-3925	284	9	risk	risk	NOUN
fsr-3925	284	10	and	and	CCONJ
fsr-3925	284	11	insurance	insurance	NOUN
fsr-3925	284	12	,	,	PUNCT
fsr-3925	284	13	65(3	65(3	NUM
fsr-3925	284	14	)	)	PUNCT
fsr-3925	284	15	,	,	PUNCT
fsr-3925	284	16	371–400	371–400	NUM
fsr-3925	284	17	.	.	PUNCT
fsr-3925	284	18	montalto	montalto	PROPN
fsr-3925	284	19	,	,	PUNCT
fsr-3925	284	20	c.	c.	PROPN
fsr-3925	284	21	p.	p.	PROPN
fsr-3925	284	22	,	,	PUNCT
fsr-3925	284	23	yuh	yuh	PROPN
fsr-3925	284	24	,	,	PUNCT
fsr-3925	284	25	y.	y.	PROPN
fsr-3925	284	26	,	,	PUNCT
fsr-3925	284	27	&	&	CCONJ
fsr-3925	284	28	hanna	hanna	PROPN
fsr-3925	284	29	,	,	PUNCT
fsr-3925	284	30	s.	s.	PROPN
fsr-3925	284	31	(	(	PUNCT
fsr-3925	284	32	2000	2000	NUM
fsr-3925	284	33	)	)	PUNCT
fsr-3925	284	34	.	.	PUNCT
fsr-3925	285	1	determinants	determinant	NOUN
fsr-3925	285	2	of	of	ADP
fsr-3925	285	3	planned	plan	VERB
fsr-3925	285	4	retirement	retirement	NOUN
fsr-3925	285	5	age.financial	age.financial	PROPN
fsr-3925	285	6	services	service	NOUN
fsr-3925	285	7	review	review	PROPN
fsr-3925	285	8	,	,	PUNCT
fsr-3925	285	9	9(1	9(1	NUM
fsr-3925	285	10	)	)	PUNCT
fsr-3925	285	11	,	,	PUNCT
fsr-3925	285	12	1–15	1–15	NUM
fsr-3925	285	13	.	.	PUNCT
fsr-3925	286	1	national	national	ADJ
fsr-3925	286	2	center	center	NOUN
fsr-3925	286	3	for	for	ADP
fsr-3925	286	4	women	woman	NOUN
fsr-3925	286	5	and	and	CCONJ
fsr-3925	286	6	retirement	retirement	NOUN
fsr-3925	286	7	research	research	NOUN
fsr-3925	286	8	.	.	PUNCT
fsr-3925	287	1	(	(	PUNCT
fsr-3925	287	2	2000).re	2000).re	ADV
fsr-3925	287	3	-	-	ADJ
fsr-3925	287	4	casting	cast	VERB
fsr-3925	287	5	retirement	retirement	NOUN
fsr-3925	287	6	planning	planning	NOUN
fsr-3925	287	7	for	for	ADP
fsr-3925	287	8	the	the	DET
fsr-3925	287	9	21st	21st	PROPN
fsr-3925	287	10	century.southampton	century.southampton	NOUN
fsr-3925	287	11	,	,	PUNCT
fsr-3925	287	12	ny	ny	NOUN
fsr-3925	287	13	:	:	PUNCT
fsr-3925	287	14	author	author	NOUN
fsr-3925	287	15	.	.	PUNCT
fsr-3925	288	1	olsen	olsen	PROPN
fsr-3925	288	2	,	,	PUNCT
fsr-3925	288	3	r.	r.	PROPN
fsr-3925	288	4	a.	a.	PROPN
fsr-3925	288	5	,	,	PUNCT
fsr-3925	288	6	&	&	CCONJ
fsr-3925	288	7	khaki	khaki	PROPN
fsr-3925	288	8	,	,	PUNCT
fsr-3925	288	9	m.	m.	NOUN
fsr-3925	288	10	(	(	PUNCT
fsr-3925	288	11	1998	1998	NUM
fsr-3925	288	12	)	)	PUNCT
fsr-3925	288	13	.	.	PUNCT
fsr-3925	289	1	risk	risk	NOUN
fsr-3925	289	2	,	,	PUNCT
fsr-3925	289	3	rationality	rationality	NOUN
fsr-3925	289	4	,	,	PUNCT
fsr-3925	289	5	and	and	CCONJ
fsr-3925	289	6	time	time	NOUN
fsr-3925	289	7	diversification.financial	diversification.financial	PROPN
fsr-3925	289	8	analysts	analyst	NOUN
fsr-3925	289	9	journal	journal	NOUN
fsr-3925	289	10	,	,	PUNCT
fsr-3925	289	11	54	54	NUM
fsr-3925	289	12	,	,	PUNCT
fsr-3925	289	13	58–63	58–63	NUM
fsr-3925	289	14	.	.	PUNCT
fsr-3925	289	15	palmer	palmer	PROPN
fsr-3925	289	16	,	,	PUNCT
fsr-3925	289	17	b.	b.	PROPN
fsr-3925	289	18	a.	a.	PROPN
fsr-3925	289	19	(	(	PUNCT
fsr-3925	289	20	1994	1994	NUM
fsr-3925	289	21	)	)	PUNCT
fsr-3925	289	22	.	.	PUNCT
fsr-3925	290	1	retirement	retirement	NOUN
fsr-3925	290	2	income	income	NOUN
fsr-3925	290	3	ratios	ratio	NOUN
fsr-3925	290	4	:	:	PUNCT
fsr-3925	290	5	an	an	DET
fsr-3925	290	6	update.benefits	update.benefit	NOUN
fsr-3925	290	7	quarterly	quarterly	ADV
fsr-3925	290	8	,	,	PUNCT
fsr-3925	290	9	10(2	10(2	NUM
fsr-3925	290	10	)	)	PUNCT
fsr-3925	290	11	.	.	PUNCT
fsr-3925	291	1	samuelson	samuelson	PROPN
fsr-3925	291	2	,	,	PUNCT
fsr-3925	291	3	p.	p.	NOUN
fsr-3925	291	4	a.	a.	NOUN
fsr-3925	291	5	(	(	PUNCT
fsr-3925	291	6	1989	1989	NUM
fsr-3925	291	7	)	)	PUNCT
fsr-3925	291	8	.	.	PUNCT
fsr-3925	292	1	the	the	DET
fsr-3925	292	2	judgment	judgment	NOUN
fsr-3925	292	3	of	of	ADP
fsr-3925	292	4	economic	economic	ADJ
fsr-3925	292	5	science	science	NOUN
fsr-3925	292	6	on	on	ADP
fsr-3925	292	7	rational	rational	ADJ
fsr-3925	292	8	portfolio	portfolio	NOUN
fsr-3925	292	9	management	management	NOUN
fsr-3925	292	10	:	:	PUNCT
fsr-3925	292	11	indexing	indexing	NOUN
fsr-3925	292	12	,	,	PUNCT
fsr-3925	292	13	timing	timing	NOUN
fsr-3925	292	14	,	,	PUNCT
fsr-3925	292	15	and	and	CCONJ
fsr-3925	292	16	long	long	ADJ
fsr-3925	292	17	-	-	PUNCT
fsr-3925	292	18	horizon	horizon	NOUN
fsr-3925	292	19	effects.journal	effects.journal	PROPN
fsr-3925	292	20	of	of	ADP
fsr-3925	292	21	portfolio	portfolio	NOUN
fsr-3925	292	22	management	management	NOUN
fsr-3925	292	23	,	,	PUNCT
fsr-3925	292	24	16,4–12	16,4–12	NUM
fsr-3925	292	25	.	.	PUNCT
fsr-3925	292	26	samuelson	samuelson	PROPN
fsr-3925	292	27	,	,	PUNCT
fsr-3925	292	28	p.	p.	NOUN
fsr-3925	292	29	a.	a.	NOUN
fsr-3925	292	30	(	(	PUNCT
fsr-3925	292	31	1990	1990	NUM
fsr-3925	292	32	)	)	PUNCT
fsr-3925	292	33	.	.	PUNCT
fsr-3925	293	1	asset	asset	NOUN
fsr-3925	293	2	allocation	allocation	NOUN
fsr-3925	293	3	could	could	AUX
fsr-3925	293	4	be	be	AUX
fsr-3925	293	5	dangerous	dangerous	ADJ
fsr-3925	293	6	to	to	ADP
fsr-3925	293	7	your	your	PRON
fsr-3925	293	8	health.journal	health.journal	PROPN
fsr-3925	293	9	of	of	ADP
fsr-3925	293	10	portfolio	portfolio	NOUN
fsr-3925	293	11	management	management	NOUN
fsr-3925	293	12	,	,	PUNCT
fsr-3925	293	13	16	16	NUM
fsr-3925	293	14	,	,	PUNCT
fsr-3925	293	15	5–8	5–8	PROPN
fsr-3925	293	16	.	.	PUNCT
fsr-3925	293	17	samuelson	samuelson	PROPN
fsr-3925	293	18	,	,	PUNCT
fsr-3925	293	19	p.	p.	NOUN
fsr-3925	293	20	a.	a.	NOUN
fsr-3925	294	1	(	(	PUNCT
fsr-3925	294	2	1994	1994	NUM
fsr-3925	294	3	)	)	PUNCT
fsr-3925	294	4	.	.	PUNCT
fsr-3925	295	1	the	the	DET
fsr-3925	295	2	long	long	ADJ
fsr-3925	295	3	-	-	PUNCT
fsr-3925	295	4	term	term	NOUN
fsr-3925	295	5	case	case	NOUN
fsr-3925	295	6	for	for	ADP
fsr-3925	295	7	equities.journal	equities.journal	PROPN
fsr-3925	295	8	of	of	ADP
fsr-3925	295	9	portfolio	portfolio	NOUN
fsr-3925	295	10	management	management	NOUN
fsr-3925	295	11	,	,	PUNCT
fsr-3925	295	12	21,15–24	21,15–24	NUM
fsr-3925	295	13	.	.	PUNCT
fsr-3925	295	14	samwick	samwick	PROPN
fsr-3925	295	15	,	,	PUNCT
fsr-3925	295	16	a.	a.	NOUN
fsr-3925	295	17	a.	a.	NOUN
fsr-3925	295	18	(	(	PUNCT
fsr-3925	295	19	1998	1998	NUM
fsr-3925	295	20	)	)	PUNCT
fsr-3925	295	21	.	.	PUNCT
fsr-3925	296	1	new	new	ADJ
fsr-3925	296	2	evidence	evidence	NOUN
fsr-3925	296	3	on	on	ADP
fsr-3925	296	4	pensions	pension	NOUN
fsr-3925	296	5	,	,	PUNCT
fsr-3925	296	6	social	social	ADJ
fsr-3925	296	7	security	security	NOUN
fsr-3925	296	8	,	,	PUNCT
fsr-3925	296	9	and	and	CCONJ
fsr-3925	296	10	the	the	DET
fsr-3925	296	11	timing	timing	NOUN
fsr-3925	296	12	of	of	ADP
fsr-3925	296	13	retirement.journal	retirement.journal	ADJ
fsr-3925	296	14	of	of	ADP
fsr-3925	296	15	public	public	ADJ
fsr-3925	296	16	economics	economic	NOUN
fsr-3925	296	17	,	,	PUNCT
fsr-3925	296	18	70(2	70(2	NUM
fsr-3925	296	19	)	)	PUNCT
fsr-3925	296	20	,	,	PUNCT
fsr-3925	296	21	207–236	207–236	NUM
fsr-3925	296	22	.	.	PUNCT
fsr-3925	297	1	schister	schister	PROPN
fsr-3925	297	2	,	,	PUNCT
fsr-3925	297	3	s.	s.	PROPN
fsr-3925	297	4	j.	j.	PROPN
fsr-3925	297	5	(	(	PUNCT
fsr-3925	297	6	1996	1996	NUM
fsr-3925	297	7	)	)	PUNCT
fsr-3925	297	8	.	.	PUNCT
fsr-3925	298	1	conceptual	conceptual	ADJ
fsr-3925	298	2	and	and	CCONJ
fsr-3925	298	3	measurement	measurement	NOUN
fsr-3925	298	4	problems	problem	NOUN
fsr-3925	298	5	in	in	ADP
fsr-3925	298	6	contemporary	contemporary	ADJ
fsr-3925	298	7	measures	measure	NOUN
fsr-3925	298	8	of	of	ADP
fsr-3925	298	9	income	income	NOUN
fsr-3925	298	10	needs	need	NOUN
fsr-3925	298	11	in	in	ADP
fsr-3925	298	12	retirement.benefits	retirement.benefit	NOUN
fsr-3925	298	13	quarterly,(second	quarterly,(second	ADJ
fsr-3925	298	14	quarter	quarter	NOUN
fsr-3925	298	15	)	)	PUNCT
fsr-3925	298	16	.	.	PUNCT
fsr-3925	299	1	tabachnick	tabachnick	PROPN
fsr-3925	299	2	,	,	PUNCT
fsr-3925	299	3	b.	b.	PROPN
fsr-3925	299	4	g.	g.	PROPN
fsr-3925	299	5	,	,	PUNCT
fsr-3925	299	6	&	&	CCONJ
fsr-3925	299	7	fidell	fidell	PROPN
fsr-3925	299	8	,	,	PUNCT
fsr-3925	299	9	l.	l.	PROPN
fsr-3925	299	10	s.	s.	PROPN
fsr-3925	300	1	(	(	PUNCT
fsr-3925	300	2	1996).using	1996).using	NUM
fsr-3925	300	3	multivariate	multivariate	NOUN
fsr-3925	300	4	statistics(3rd	statistics(3rd	PROPN
fsr-3925	300	5	ed	ed	NOUN
fsr-3925	300	6	.	.	PUNCT
fsr-3925	300	7	)	)	PUNCT
fsr-3925	300	8	.	.	PUNCT
fsr-3925	301	1	new	new	PROPN
fsr-3925	301	2	york	york	PROPN
fsr-3925	301	3	:	:	PUNCT
fsr-3925	301	4	harper	harper	PROPN
fsr-3925	301	5	collins	collins	PROPN
fsr-3925	301	6	.	.	PUNCT
fsr-3925	302	1	tacchino	tacchino	PROPN
fsr-3925	302	2	,	,	PUNCT
fsr-3925	302	3	k.	k.	PROPN
fsr-3925	302	4	,	,	PUNCT
fsr-3925	302	5	&	&	CCONJ
fsr-3925	302	6	saltzman	saltzman	PROPN
fsr-3925	302	7	,	,	PUNCT
fsr-3925	302	8	c.	c.	PROPN
fsr-3925	302	9	(	(	PUNCT
fsr-3925	302	10	1999	1999	NUM
fsr-3925	302	11	)	)	PUNCT
fsr-3925	302	12	.	.	PUNCT
fsr-3925	303	1	do	do	AUX
fsr-3925	303	2	accumulation	accumulation	NOUN
fsr-3925	303	3	models	model	NOUN
fsr-3925	303	4	overstate	overstate	VERB
fsr-3925	303	5	what	what	PRON
fsr-3925	303	6	’s	’s	AUX
fsr-3925	303	7	needed	need	VERB
fsr-3925	303	8	to	to	ADP
fsr-3925	303	9	retire?journal	retire?journal	PROPN
fsr-3925	303	10	of	of	ADP
fsr-3925	303	11	financial	financial	ADJ
fsr-3925	303	12	planning	planning	NOUN
fsr-3925	303	13	,	,	PUNCT
fsr-3925	303	14	12(2	12(2	NUM
fsr-3925	303	15	)	)	PUNCT
fsr-3925	303	16	,	,	PUNCT
fsr-3925	303	17	62–73	62–73	NOUN
fsr-3925	303	18	.	.	PUNCT
fsr-3925	304	1	thaler	thaler	PROPN
fsr-3925	304	2	,	,	PUNCT
fsr-3925	304	3	r.	r.	PROPN
fsr-3925	304	4	h.	h.	PROPN
fsr-3925	304	5	,	,	PUNCT
fsr-3925	304	6	&	&	CCONJ
fsr-3925	304	7	williamson	williamson	PROPN
fsr-3925	304	8	,	,	PUNCT
fsr-3925	304	9	j.	j.	PROPN
fsr-3925	304	10	p.	p.	PROPN
fsr-3925	304	11	(	(	PUNCT
fsr-3925	304	12	1994	1994	NUM
fsr-3925	304	13	)	)	PUNCT
fsr-3925	304	14	.	.	PUNCT
fsr-3925	305	1	college	college	NOUN
fsr-3925	305	2	and	and	CCONJ
fsr-3925	305	3	university	university	NOUN
fsr-3925	305	4	endowment	endowment	NOUN
fsr-3925	305	5	funds	fund	NOUN
fsr-3925	305	6	:	:	PUNCT
fsr-3925	305	7	why	why	SCONJ
fsr-3925	305	8	not	not	PART
fsr-3925	305	9	100	100	NUM
fsr-3925	305	10	%	%	NOUN
fsr-3925	305	11	equities	equity	NOUN
fsr-3925	305	12	?	?	PUNCT
fsr-3925	306	1	journal	journal	PROPN
fsr-3925	306	2	of	of	ADP
fsr-3925	306	3	portfolio	portfolio	NOUN
fsr-3925	306	4	management	management	NOUN
fsr-3925	306	5	,	,	PUNCT
fsr-3925	306	6	21,27–37	21,27–37	PROPN
fsr-3925	306	7	.	.	PUNCT
fsr-3925	307	1	thorley	thorley	PROPN
fsr-3925	307	2	,	,	PUNCT
fsr-3925	307	3	s.	s.	PROPN
fsr-3925	307	4	r.	r.	PROPN
fsr-3925	307	5	(	(	PUNCT
fsr-3925	307	6	1995	1995	NUM
fsr-3925	307	7	)	)	PUNCT
fsr-3925	307	8	.	.	PUNCT
fsr-3925	308	1	the	the	DET
fsr-3925	308	2	time	time	NOUN
fsr-3925	308	3	diversification	diversification	NOUN
fsr-3925	308	4	controversy.financial	controversy.financial	PROPN
fsr-3925	308	5	analysts	analyst	NOUN
fsr-3925	308	6	journal	journal	NOUN
fsr-3925	308	7	,	,	PUNCT
fsr-3925	308	8	51,68–76	51,68–76	PROPN
fsr-3925	308	9	.	.	PUNCT
fsr-3925	309	1	uccello	uccello	PROPN
fsr-3925	309	2	,	,	PUNCT
fsr-3925	309	3	c.	c.	PROPN
fsr-3925	309	4	e.	e.	PROPN
fsr-3925	309	5	(	(	PUNCT
fsr-3925	309	6	1998	1998	NUM
fsr-3925	309	7	)	)	PUNCT
fsr-3925	309	8	.	.	PUNCT
fsr-3925	310	1	factors	factor	NOUN
fsr-3925	310	2	influencing	influence	VERB
fsr-3925	310	3	retirement	retirement	NOUN
fsr-3925	310	4	:	:	PUNCT
fsr-3925	310	5	their	their	PRON
fsr-3925	310	6	implications	implication	NOUN
fsr-3925	310	7	for	for	ADP
fsr-3925	310	8	raising	raise	VERB
fsr-3925	310	9	retirement	retirement	NOUN
fsr-3925	310	10	age	age	NOUN
fsr-3925	310	11	(	(	PUNCT
fsr-3925	310	12	aarp	aarp	PROPN
fsr-3925	310	13	public	public	ADJ
fsr-3925	310	14	policy	policy	NOUN
fsr-3925	310	15	institute	institute	NOUN
fsr-3925	310	16	,	,	PUNCT
fsr-3925	310	17	report	report	VERB
fsr-3925	310	18	no	no	INTJ
fsr-3925	310	19	.	.	NOUN
fsr-3925	310	20	9810	9810	NUM
fsr-3925	310	21	)	)	PUNCT
fsr-3925	310	22	.	.	PUNCT
fsr-3925	311	1	washington	washington	PROPN
fsr-3925	311	2	,	,	PUNCT
fsr-3925	311	3	dc	dc	PROPN
fsr-3925	311	4	:	:	PUNCT
fsr-3925	311	5	american	american	PROPN
fsr-3925	311	6	association	association	PROPN
fsr-3925	311	7	of	of	ADP
fsr-3925	311	8	retired	retire	VERB
fsr-3925	311	9	persons	person	NOUN
fsr-3925	311	10	.	.	PUNCT
fsr-3925	312	1	245s.a	245s.a	X
fsr-3925	312	2	.	.	PUNCT
fsr-3925	312	3	greninger	greninger	NOUN
fsr-3925	312	4	et	et	PROPN
fsr-3925	312	5	al	al	PROPN
fsr-3925	312	6	.	.	PUNCT
fsr-3925	312	7	/	/	SYM
fsr-3925	312	8	financial	financial	ADJ
fsr-3925	312	9	services	service	NOUN
fsr-3925	312	10	review	review	VERB
fsr-3925	312	11	9	9	NUM
fsr-3925	312	12	(	(	PUNCT
fsr-3925	312	13	2000	2000	NUM
fsr-3925	312	14	)	)	PUNCT
fsr-3925	313	1	231–245	231–245	NUM