id	sid	tid	token	lemma	pos
fsr-3930	1	1	pii	pii	PROPN
fsr-3930	1	2	:	:	PUNCT
fsr-3930	1	3	s1057	s1057	NOUN
fsr-3930	1	4	-	-	PUNCT
fsr-3930	1	5	0810(01)00072	0810(01)00072	ADP
fsr-3930	1	6	-	-	PUNCT
fsr-3930	1	7	5	5	NUM
fsr-3930	1	8	strategic	strategic	ADJ
fsr-3930	1	9	asset	asset	NOUN
fsr-3930	1	10	allocation	allocation	NOUN
fsr-3930	1	11	for	for	ADP
fsr-3930	1	12	individual	individual	ADJ
fsr-3930	1	13	investors	investor	NOUN
fsr-3930	1	14	:	:	PUNCT
fsr-3930	1	15	the	the	DET
fsr-3930	1	16	impact	impact	NOUN
fsr-3930	1	17	of	of	ADP
fsr-3930	1	18	the	the	DET
fsr-3930	1	19	present	present	ADJ
fsr-3930	1	20	value	value	NOUN
fsr-3930	1	21	of	of	ADP
fsr-3930	1	22	social	social	ADJ
fsr-3930	1	23	security	security	NOUN
fsr-3930	1	24	benefits	benefit	NOUN
fsr-3930	1	25	steve	steve	PROPN
fsr-3930	1	26	p.	p.	PROPN
fsr-3930	1	27	frasera	frasera	NOUN
fsr-3930	1	28	,	,	PUNCT
fsr-3930	1	29	william	william	PROPN
fsr-3930	1	30	w.	w.	PROPN
fsr-3930	1	31	jenningsb	jenningsb	PROPN
fsr-3930	1	32	,	,	PUNCT
fsr-3930	1	33	*	*	PROPN
fsr-3930	1	34	,	,	PUNCT
fsr-3930	1	35	david	david	PROPN
fsr-3930	1	36	r.	r.	PROPN
fsr-3930	1	37	kingc	kingc	PROPN
fsr-3930	1	38	adoctoral	adoctoral	ADJ
fsr-3930	1	39	pre	pre	ADJ
fsr-3930	1	40	-	-	ADJ
fsr-3930	1	41	candidate	candidate	ADJ
fsr-3930	1	42	,	,	PUNCT
fsr-3930	1	43	department	department	NOUN
fsr-3930	1	44	of	of	ADP
fsr-3930	1	45	finance	finance	NOUN
fsr-3930	1	46	,	,	PUNCT
fsr-3930	1	47	college	college	NOUN
fsr-3930	1	48	of	of	ADP
fsr-3930	1	49	business	business	PROPN
fsr-3930	1	50	administration	administration	PROPN
fsr-3930	1	51	,	,	PUNCT
fsr-3930	1	52	university	university	PROPN
fsr-3930	1	53	of	of	ADP
fsr-3930	1	54	south	south	PROPN
fsr-3930	1	55	florida	florida	PROPN
fsr-3930	1	56	,	,	PUNCT
fsr-3930	1	57	tampa	tampa	PROPN
fsr-3930	1	58	,	,	PUNCT
fsr-3930	1	59	fl	fl	PROPN
fsr-3930	1	60	,	,	PUNCT
fsr-3930	1	61	usa	usa	PROPN
fsr-3930	1	62	bassistant	bassistant	PROPN
fsr-3930	1	63	professor	professor	NOUN
fsr-3930	1	64	of	of	ADP
fsr-3930	1	65	finance	finance	NOUN
fsr-3930	1	66	,	,	PUNCT
fsr-3930	1	67	hq	hq	PROPN
fsr-3930	1	68	usafa	usafa	PROPN
fsr-3930	1	69	/	/	SYM
fsr-3930	1	70	dfm	dfm	PROPN
fsr-3930	1	71	,	,	PUNCT
fsr-3930	1	72	u.s	u.s	PROPN
fsr-3930	1	73	.	.	PROPN
fsr-3930	1	74	air	air	PROPN
fsr-3930	1	75	force	force	PROPN
fsr-3930	1	76	academy	academy	PROPN
fsr-3930	1	77	,	,	PUNCT
fsr-3930	1	78	academy	academy	PROPN
fsr-3930	1	79	,	,	PUNCT
fsr-3930	1	80	co	co	NOUN
fsr-3930	1	81	80840	80840	NUM
fsr-3930	1	82	,	,	PUNCT
fsr-3930	1	83	usa	usa	PROPN
fsr-3930	1	84	cdoctoral	cdoctoral	ADJ
fsr-3930	1	85	pre	pre	ADJ
fsr-3930	1	86	-	-	ADJ
fsr-3930	1	87	candidate	candidate	ADJ
fsr-3930	1	88	,	,	PUNCT
fsr-3930	1	89	department	department	NOUN
fsr-3930	1	90	of	of	ADP
fsr-3930	1	91	strategy	strategy	NOUN
fsr-3930	1	92	,	,	PUNCT
fsr-3930	1	93	college	college	NOUN
fsr-3930	1	94	of	of	ADP
fsr-3930	1	95	business	business	NOUN
fsr-3930	1	96	,	,	PUNCT
fsr-3930	1	97	indiana	indiana	PROPN
fsr-3930	1	98	university	university	PROPN
fsr-3930	1	99	,	,	PUNCT
fsr-3930	1	100	bloomington	bloomington	PROPN
fsr-3930	1	101	,	,	PUNCT
fsr-3930	1	102	ia	ia	PROPN
fsr-3930	1	103	,	,	PUNCT
fsr-3930	1	104	usa	usa	PROPN
fsr-3930	1	105	received	receive	VERB
fsr-3930	1	106	17	17	NUM
fsr-3930	1	107	january	january	PROPN
fsr-3930	1	108	2001	2001	NUM
fsr-3930	1	109	;	;	PUNCT
fsr-3930	1	110	received	receive	VERB
fsr-3930	1	111	in	in	ADP
fsr-3930	1	112	revised	revise	VERB
fsr-3930	1	113	form	form	NOUN
fsr-3930	1	114	1	1	NUM
fsr-3930	1	115	march	march	NOUN
fsr-3930	1	116	2001	2001	NUM
fsr-3930	1	117	;	;	PUNCT
fsr-3930	1	118	accepted	accept	VERB
fsr-3930	1	119	3	3	NUM
fsr-3930	1	120	april	april	PROPN
fsr-3930	1	121	2001	2001	NUM
fsr-3930	1	122	abstract	abstract	NOUN
fsr-3930	1	123	this	this	DET
fsr-3930	1	124	paper	paper	NOUN
fsr-3930	1	125	demonstrates	demonstrate	VERB
fsr-3930	1	126	the	the	DET
fsr-3930	1	127	dramatic	dramatic	ADJ
fsr-3930	1	128	effect	effect	NOUN
fsr-3930	1	129	of	of	ADP
fsr-3930	1	130	social	social	ADJ
fsr-3930	1	131	security	security	NOUN
fsr-3930	1	132	wealth	wealth	NOUN
fsr-3930	1	133	on	on	ADP
fsr-3930	1	134	individuals	individual	NOUN
fsr-3930	1	135	’	’	PART
fsr-3930	1	136	asset	asset	NOUN
fsr-3930	1	137	allocation	allocation	NOUN
fsr-3930	1	138	.	.	PUNCT
fsr-3930	2	1	we	we	PRON
fsr-3930	2	2	first	first	ADV
fsr-3930	2	3	discuss	discuss	VERB
fsr-3930	2	4	why	why	SCONJ
fsr-3930	2	5	social	social	ADJ
fsr-3930	2	6	security	security	NOUN
fsr-3930	2	7	wealth	wealth	NOUN
fsr-3930	2	8	should	should	AUX
fsr-3930	2	9	be	be	AUX
fsr-3930	2	10	included	include	VERB
fsr-3930	2	11	in	in	ADP
fsr-3930	2	12	portfolio	portfolio	NOUN
fsr-3930	2	13	asset	asset	NOUN
fsr-3930	2	14	-	-	PUNCT
fsr-3930	2	15	mix	mix	NOUN
fsr-3930	2	16	decisions	decision	NOUN
fsr-3930	2	17	.	.	PUNCT
fsr-3930	3	1	we	we	PRON
fsr-3930	3	2	then	then	ADV
fsr-3930	3	3	draw	draw	VERB
fsr-3930	3	4	parallels	parallel	NOUN
fsr-3930	3	5	between	between	ADP
fsr-3930	3	6	social	social	ADJ
fsr-3930	3	7	security	security	NOUN
fsr-3930	3	8	benefits	benefit	NOUN
fsr-3930	3	9	and	and	CCONJ
fsr-3930	3	10	inflation	inflation	NOUN
fsr-3930	3	11	-	-	PUNCT
fsr-3930	3	12	indexed	index	VERB
fsr-3930	3	13	treasury	treasury	NOUN
fsr-3930	3	14	bonds	bond	NOUN
fsr-3930	3	15	to	to	PART
fsr-3930	3	16	help	help	VERB
fsr-3930	3	17	quantify	quantify	VERB
fsr-3930	3	18	the	the	DET
fsr-3930	3	19	present	present	ADJ
fsr-3930	3	20	value	value	NOUN
fsr-3930	3	21	of	of	ADP
fsr-3930	3	22	social	social	ADJ
fsr-3930	3	23	security	security	NOUN
fsr-3930	3	24	benefits	benefit	NOUN
fsr-3930	3	25	.	.	PUNCT
fsr-3930	4	1	finally	finally	ADV
fsr-3930	4	2	,	,	PUNCT
fsr-3930	4	3	we	we	PRON
fsr-3930	4	4	show	show	VERB
fsr-3930	4	5	the	the	DET
fsr-3930	4	6	portfolio	portfolio	NOUN
fsr-3930	4	7	impact	impact	NOUN
fsr-3930	4	8	of	of	ADP
fsr-3930	4	9	including	include	VERB
fsr-3930	4	10	social	social	ADJ
fsr-3930	4	11	security	security	NOUN
fsr-3930	4	12	wealth	wealth	NOUN
fsr-3930	4	13	under	under	ADP
fsr-3930	4	14	several	several	ADJ
fsr-3930	4	15	asset	asset	NOUN
fsr-3930	4	16	-	-	PUNCT
fsr-3930	4	17	mix	mix	NOUN
fsr-3930	4	18	decision	decision	NOUN
fsr-3930	4	19	rules	rule	NOUN
fsr-3930	4	20	.	.	PUNCT
fsr-3930	5	1	excluding	exclude	VERB
fsr-3930	5	2	social	social	ADJ
fsr-3930	5	3	security	security	NOUN
fsr-3930	5	4	wealth	wealth	NOUN
fsr-3930	5	5	from	from	ADP
fsr-3930	5	6	the	the	DET
fsr-3930	5	7	asset	asset	NOUN
fsr-3930	5	8	mix	mix	NOUN
fsr-3930	5	9	decision	decision	NOUN
fsr-3930	5	10	results	result	NOUN
fsr-3930	5	11	in	in	ADP
fsr-3930	5	12	suboptimal	suboptimal	ADJ
fsr-3930	5	13	portfolios	portfolio	NOUN
fsr-3930	5	14	.	.	PUNCT
fsr-3930	6	1	including	include	VERB
fsr-3930	6	2	social	social	ADJ
fsr-3930	6	3	security	security	NOUN
fsr-3930	6	4	wealth	wealth	NOUN
fsr-3930	6	5	provides	provide	VERB
fsr-3930	6	6	an	an	DET
fsr-3930	6	7	incentive	incentive	NOUN
fsr-3930	6	8	for	for	ADP
fsr-3930	6	9	including	include	VERB
fsr-3930	6	10	more	more	ADJ
fsr-3930	6	11	stock	stock	NOUN
fsr-3930	6	12	in	in	ADP
fsr-3930	6	13	the	the	DET
fsr-3930	6	14	asset	asset	NOUN
fsr-3930	6	15	mix	mix	NOUN
fsr-3930	6	16	.	.	PUNCT
fsr-3930	7	1	©	©	PROPN
fsr-3930	7	2	2001	2001	NUM
fsr-3930	7	3	elsevier	elsevier	PROPN
fsr-3930	7	4	science	science	PROPN
fsr-3930	7	5	inc	inc	PROPN
fsr-3930	7	6	.	.	PUNCT
fsr-3930	8	1	all	all	DET
fsr-3930	8	2	rights	right	NOUN
fsr-3930	8	3	reserved	reserve	VERB
fsr-3930	8	4	.	.	PUNCT
fsr-3930	9	1	jel	jel	PROPN
fsr-3930	9	2	classification	classification	NOUN
fsr-3930	9	3	:	:	PUNCT
fsr-3930	9	4	g11	g11	PROPN
fsr-3930	9	5	;	;	PUNCT
fsr-3930	9	6	h55	h55	PROPN
fsr-3930	9	7	;	;	PUNCT
fsr-3930	9	8	j26	j26	NOUN
fsr-3930	9	9	;	;	PUNCT
fsr-3930	9	10	j17	j17	PROPN
fsr-3930	9	11	;	;	PUNCT
fsr-3930	9	12	k13	k13	VERB
fsr-3930	9	13	keywords	keyword	NOUN
fsr-3930	9	14	:	:	PUNCT
fsr-3930	9	15	social	social	ADJ
fsr-3930	9	16	security	security	NOUN
fsr-3930	9	17	;	;	PUNCT
fsr-3930	9	18	portfolio	portfolio	NOUN
fsr-3930	9	19	choice	choice	NOUN
fsr-3930	9	20	;	;	PUNCT
fsr-3930	9	21	mean	mean	ADJ
fsr-3930	9	22	-	-	PUNCT
fsr-3930	9	23	variance	variance	NOUN
fsr-3930	9	24	optimization	optimization	NOUN
fsr-3930	9	25	;	;	PUNCT
fsr-3930	9	26	valuation	valuation	NOUN
fsr-3930	9	27	1	1	NUM
fsr-3930	9	28	.	.	PUNCT
fsr-3930	9	29	introduction	introduction	NOUN
fsr-3930	9	30	the	the	DET
fsr-3930	9	31	question	question	NOUN
fsr-3930	9	32	of	of	ADP
fsr-3930	9	33	retirement	retirement	NOUN
fsr-3930	9	34	income	income	NOUN
fsr-3930	9	35	adequacy	adequacy	NOUN
fsr-3930	9	36	is	be	AUX
fsr-3930	9	37	a	a	DET
fsr-3930	9	38	matter	matter	NOUN
fsr-3930	9	39	of	of	ADP
fsr-3930	9	40	national	national	ADJ
fsr-3930	9	41	concern	concern	NOUN
fsr-3930	9	42	given	give	VERB
fsr-3930	9	43	an	an	DET
fsr-3930	9	44	aging	age	VERB
fsr-3930	9	45	population	population	NOUN
fsr-3930	9	46	and	and	CCONJ
fsr-3930	9	47	the	the	DET
fsr-3930	9	48	imminent	imminent	ADJ
fsr-3930	9	49	baby	baby	NOUN
fsr-3930	9	50	-	-	PUNCT
fsr-3930	9	51	boomer	boomer	NOUN
fsr-3930	9	52	retirement	retirement	NOUN
fsr-3930	9	53	.	.	PUNCT
fsr-3930	10	1	although	although	SCONJ
fsr-3930	10	2	defined	define	VERB
fsr-3930	10	3	contribution	contribution	NOUN
fsr-3930	10	4	plans	plan	NOUN
fsr-3930	10	5	*	*	PUNCT
fsr-3930	10	6	corresponding	correspond	VERB
fsr-3930	10	7	author	author	NOUN
fsr-3930	10	8	.	.	PUNCT
fsr-3930	11	1	tel	tel	PROPN
fsr-3930	11	2	.	.	PUNCT
fsr-3930	11	3	:	:	PUNCT
fsr-3930	12	1	�	�	PROPN
fsr-3930	12	2	1	1	NUM
fsr-3930	12	3	-	-	SYM
fsr-3930	12	4	719	719	NUM
fsr-3930	12	5	-	-	PUNCT
fsr-3930	12	6	333	333	NUM
fsr-3930	12	7	-	-	SYM
fsr-3930	12	8	4130	4130	NUM
fsr-3930	12	9	;	;	PUNCT
fsr-3930	12	10	fax	fax	NOUN
fsr-3930	12	11	:	:	PUNCT
fsr-3930	12	12	�	�	PROPN
fsr-3930	12	13	1	1	NUM
fsr-3930	12	14	-	-	SYM
fsr-3930	12	15	719	719	NUM
fsr-3930	12	16	-	-	PUNCT
fsr-3930	12	17	333	333	NUM
fsr-3930	12	18	-	-	SYM
fsr-3930	12	19	6880	6880	NUM
fsr-3930	12	20	.	.	PUNCT
fsr-3930	13	1	e	e	X
fsr-3930	13	2	-	-	NOUN
fsr-3930	13	3	mail	mail	NOUN
fsr-3930	13	4	addresses	address	NOUN
fsr-3930	13	5	:	:	PUNCT
fsr-3930	13	6	sfraser@coba.usf.edu	sfraser@coba.usf.edu	PROPN
fsr-3930	13	7	(	(	PUNCT
fsr-3930	13	8	s.p	s.p	PROPN
fsr-3930	13	9	.	.	PROPN
fsr-3930	13	10	fraser	fraser	PROPN
fsr-3930	13	11	)	)	PUNCT
fsr-3930	13	12	,	,	PUNCT
fsr-3930	13	13	wj@williamjennings.com	wj@williamjennings.com	PROPN
fsr-3930	13	14	or	or	CCONJ
fsr-3930	13	15	william.jennings@usafa	william.jennings@usafa	PROPN
fsr-3930	13	16	.	.	PUNCT
fsr-3930	14	1	af.mil	af.mil	PROPN
fsr-3930	14	2	(	(	PUNCT
fsr-3930	14	3	w.w	w.w	PROPN
fsr-3930	14	4	.	.	PROPN
fsr-3930	14	5	jennings	jennings	PROPN
fsr-3930	14	6	)	)	PUNCT
fsr-3930	14	7	,	,	PUNCT
fsr-3930	15	1	drking@indiana.edu	drking@indiana.edu	PROPN
fsr-3930	15	2	(	(	PUNCT
fsr-3930	15	3	d.r	d.r	PROPN
fsr-3930	15	4	.	.	PROPN
fsr-3930	15	5	king	king	PROPN
fsr-3930	15	6	)	)	PUNCT
fsr-3930	15	7	.	.	PUNCT
fsr-3930	16	1	financial	financial	ADJ
fsr-3930	16	2	services	service	NOUN
fsr-3930	16	3	review	review	VERB
fsr-3930	16	4	9	9	NUM
fsr-3930	16	5	(	(	PUNCT
fsr-3930	16	6	2000	2000	NUM
fsr-3930	16	7	)	)	PUNCT
fsr-3930	17	1	295–326	295–326	NUM
fsr-3930	17	2	1057	1057	NUM
fsr-3930	17	3	-	-	SYM
fsr-3930	17	4	0810/00/$	0810/00/$	NUM
fsr-3930	17	5	–	–	PUNCT
fsr-3930	17	6	see	see	VERB
fsr-3930	17	7	front	front	ADJ
fsr-3930	17	8	matter	matter	NOUN
fsr-3930	17	9	©	©	PROPN
fsr-3930	17	10	2001	2001	NUM
fsr-3930	17	11	elsevier	elsevier	PROPN
fsr-3930	17	12	science	science	PROPN
fsr-3930	17	13	inc	inc	PROPN
fsr-3930	17	14	.	.	PUNCT
fsr-3930	18	1	all	all	DET
fsr-3930	18	2	rights	right	NOUN
fsr-3930	18	3	reserved	reserve	VERB
fsr-3930	18	4	.	.	PUNCT
fsr-3930	19	1	pii	pii	NOUN
fsr-3930	19	2	:	:	PUNCT
fsr-3930	19	3	s1057	s1057	NOUN
fsr-3930	19	4	-	-	PUNCT
fsr-3930	19	5	0810(01)00072	0810(01)00072	NOUN
fsr-3930	19	6	-	-	SYM
fsr-3930	19	7	5	5	NUM
fsr-3930	19	8	have	have	AUX
fsr-3930	19	9	overtaken	overtake	VERB
fsr-3930	19	10	traditional	traditional	ADJ
fsr-3930	19	11	pensions	pension	NOUN
fsr-3930	19	12	,	,	PUNCT
fsr-3930	19	13	one	one	NUM
fsr-3930	19	14	defined	define	VERB
fsr-3930	19	15	benefit	benefit	NOUN
fsr-3930	19	16	plan	plan	NOUN
fsr-3930	19	17	—	—	PUNCT
fsr-3930	19	18	social	social	ADJ
fsr-3930	19	19	security	security	NOUN
fsr-3930	19	20	—	—	PUNCT
fsr-3930	19	21	affects	affect	VERB
fsr-3930	19	22	virtually	virtually	ADV
fsr-3930	19	23	everyone	everyone	PRON
fsr-3930	19	24	.	.	PUNCT
fsr-3930	20	1	only	only	ADV
fsr-3930	20	2	a	a	DET
fsr-3930	20	3	limited	limited	ADJ
fsr-3930	20	4	group	group	NOUN
fsr-3930	20	5	of	of	ADP
fsr-3930	20	6	workers	worker	NOUN
fsr-3930	20	7	is	be	AUX
fsr-3930	20	8	excluded	exclude	VERB
fsr-3930	20	9	from	from	ADP
fsr-3930	20	10	social	social	ADJ
fsr-3930	20	11	security	security	NOUN
fsr-3930	20	12	.	.	PUNCT
fsr-3930	21	1	thus	thus	ADV
fsr-3930	21	2	,	,	PUNCT
fsr-3930	21	3	comprehensive	comprehensive	ADJ
fsr-3930	21	4	retirement	retirement	NOUN
fsr-3930	21	5	planning	planning	NOUN
fsr-3930	21	6	should	should	AUX
fsr-3930	21	7	consider	consider	VERB
fsr-3930	21	8	social	social	ADJ
fsr-3930	21	9	security	security	NOUN
fsr-3930	21	10	benefits	benefit	NOUN
fsr-3930	21	11	.	.	PUNCT
fsr-3930	22	1	a	a	DET
fsr-3930	22	2	typical	typical	ADJ
fsr-3930	22	3	financial	financial	ADJ
fsr-3930	22	4	planning	planning	NOUN
fsr-3930	22	5	approach	approach	NOUN
fsr-3930	22	6	deducts	deduct	VERB
fsr-3930	22	7	social	social	ADJ
fsr-3930	22	8	security	security	NOUN
fsr-3930	22	9	payments	payment	NOUN
fsr-3930	22	10	from	from	ADP
fsr-3930	22	11	a	a	DET
fsr-3930	22	12	retirement	retirement	NOUN
fsr-3930	22	13	incomeneeds	incomeneed	NOUN
fsr-3930	22	14	amount	amount	NOUN
fsr-3930	22	15	to	to	PART
fsr-3930	22	16	compute	compute	VERB
fsr-3930	22	17	a	a	DET
fsr-3930	22	18	retirement	retirement	NOUN
fsr-3930	22	19	income	income	NOUN
fsr-3930	22	20	gap	gap	NOUN
fsr-3930	22	21	that	that	PRON
fsr-3930	22	22	investments	investment	NOUN
fsr-3930	22	23	must	must	AUX
fsr-3930	22	24	fund	fund	VERB
fsr-3930	22	25	.	.	PUNCT
fsr-3930	23	1	however	however	ADV
fsr-3930	23	2	,	,	PUNCT
fsr-3930	23	3	this	this	DET
fsr-3930	23	4	income	income	NOUN
fsr-3930	23	5	-	-	PUNCT
fsr-3930	23	6	adequacy	adequacy	NOUN
fsr-3930	23	7	approach	approach	NOUN
fsr-3930	23	8	ignores	ignore	VERB
fsr-3930	23	9	the	the	DET
fsr-3930	23	10	effect	effect	NOUN
fsr-3930	23	11	of	of	ADP
fsr-3930	23	12	social	social	ADJ
fsr-3930	23	13	security	security	NOUN
fsr-3930	23	14	on	on	ADP
fsr-3930	23	15	portfolio	portfolio	NOUN
fsr-3930	23	16	asset	asset	NOUN
fsr-3930	23	17	-	-	PUNCT
fsr-3930	23	18	mix	mix	NOUN
fsr-3930	23	19	decisions	decision	NOUN
fsr-3930	23	20	.	.	PUNCT
fsr-3930	24	1	this	this	PRON
fsr-3930	24	2	is	be	AUX
fsr-3930	24	3	an	an	DET
fsr-3930	24	4	inconsistency	inconsistency	NOUN
fsr-3930	24	5	—	—	PUNCT
fsr-3930	24	6	if	if	SCONJ
fsr-3930	24	7	income	income	NOUN
fsr-3930	24	8	-	-	PUNCT
fsr-3930	24	9	adequacy	adequacy	NOUN
fsr-3930	24	10	computations	computation	NOUN
fsr-3930	24	11	include	include	VERB
fsr-3930	24	12	social	social	ADJ
fsr-3930	24	13	security	security	NOUN
fsr-3930	24	14	,	,	PUNCT
fsr-3930	24	15	strategic	strategic	ADJ
fsr-3930	24	16	asset	asset	NOUN
fsr-3930	24	17	allocation	allocation	NOUN
fsr-3930	24	18	should	should	AUX
fsr-3930	24	19	also	also	ADV
fsr-3930	24	20	incorporate	incorporate	VERB
fsr-3930	24	21	social	social	ADJ
fsr-3930	24	22	security	security	NOUN
fsr-3930	24	23	.	.	PUNCT
fsr-3930	25	1	a	a	DET
fsr-3930	25	2	fundamental	fundamental	ADJ
fsr-3930	25	3	aspect	aspect	NOUN
fsr-3930	25	4	of	of	ADP
fsr-3930	25	5	financial	financial	ADJ
fsr-3930	25	6	planning	planning	NOUN
fsr-3930	25	7	is	be	AUX
fsr-3930	25	8	ensuring	ensure	VERB
fsr-3930	25	9	there	there	PRON
fsr-3930	25	10	is	be	VERB
fsr-3930	25	11	adequate	adequate	ADJ
fsr-3930	25	12	retirement	retirement	NOUN
fsr-3930	25	13	income	income	NOUN
fsr-3930	25	14	.	.	PUNCT
fsr-3930	26	1	one	one	NUM
fsr-3930	26	2	means	mean	VERB
fsr-3930	26	3	of	of	ADP
fsr-3930	26	4	doing	do	VERB
fsr-3930	26	5	so	so	ADV
fsr-3930	26	6	is	be	AUX
fsr-3930	26	7	to	to	PART
fsr-3930	26	8	maximize	maximize	VERB
fsr-3930	26	9	the	the	DET
fsr-3930	26	10	utility	utility	NOUN
fsr-3930	26	11	of	of	ADP
fsr-3930	26	12	one	one	NUM
fsr-3930	26	13	’s	’s	PART
fsr-3930	26	14	retirement	retirement	NOUN
fsr-3930	26	15	benefits	benefit	NOUN
fsr-3930	26	16	—	—	PUNCT
fsr-3930	26	17	including	include	VERB
fsr-3930	26	18	social	social	ADJ
fsr-3930	26	19	security	security	NOUN
fsr-3930	26	20	.	.	PUNCT
fsr-3930	27	1	to	to	ADP
fsr-3930	27	2	that	that	DET
fsr-3930	27	3	end	end	NOUN
fsr-3930	27	4	,	,	PUNCT
fsr-3930	27	5	we	we	PRON
fsr-3930	27	6	consider	consider	VERB
fsr-3930	27	7	three	three	NUM
fsr-3930	27	8	questions	question	NOUN
fsr-3930	27	9	:	:	PUNCT
fsr-3930	27	10	first	first	ADV
fsr-3930	27	11	,	,	PUNCT
fsr-3930	27	12	should	should	AUX
fsr-3930	27	13	investors	investor	NOUN
fsr-3930	27	14	consider	consider	VERB
fsr-3930	27	15	social	social	ADJ
fsr-3930	27	16	security	security	NOUN
fsr-3930	27	17	when	when	SCONJ
fsr-3930	27	18	making	make	VERB
fsr-3930	27	19	asset	asset	NOUN
fsr-3930	27	20	mix	mix	NOUN
fsr-3930	27	21	decisions	decision	NOUN
fsr-3930	27	22	?	?	PUNCT
fsr-3930	28	1	second	second	ADJ
fsr-3930	28	2	,	,	PUNCT
fsr-3930	28	3	how	how	SCONJ
fsr-3930	28	4	should	should	AUX
fsr-3930	28	5	an	an	DET
fsr-3930	28	6	investor	investor	NOUN
fsr-3930	28	7	determine	determine	VERB
fsr-3930	28	8	the	the	DET
fsr-3930	28	9	value	value	NOUN
fsr-3930	28	10	of	of	ADP
fsr-3930	28	11	social	social	ADJ
fsr-3930	28	12	security	security	NOUN
fsr-3930	28	13	benefits	benefit	NOUN
fsr-3930	28	14	?	?	PUNCT
fsr-3930	29	1	third	third	ADJ
fsr-3930	29	2	,	,	PUNCT
fsr-3930	29	3	how	how	SCONJ
fsr-3930	29	4	does	do	AUX
fsr-3930	29	5	proper	proper	ADJ
fsr-3930	29	6	valuation	valuation	NOUN
fsr-3930	29	7	of	of	ADP
fsr-3930	29	8	social	social	ADJ
fsr-3930	29	9	security	security	NOUN
fsr-3930	29	10	affect	affect	VERB
fsr-3930	29	11	the	the	DET
fsr-3930	29	12	asset	asset	NOUN
fsr-3930	29	13	mix	mix	NOUN
fsr-3930	29	14	of	of	ADP
fsr-3930	29	15	a	a	DET
fsr-3930	29	16	financial	financial	ADJ
fsr-3930	29	17	portfolio	portfolio	NOUN
fsr-3930	29	18	?	?	PUNCT
fsr-3930	30	1	we	we	PRON
fsr-3930	30	2	address	address	VERB
fsr-3930	30	3	these	these	DET
fsr-3930	30	4	questions	question	NOUN
fsr-3930	30	5	in	in	ADP
fsr-3930	30	6	separate	separate	ADJ
fsr-3930	30	7	sections	section	NOUN
fsr-3930	30	8	below	below	ADV
fsr-3930	30	9	.	.	PUNCT
fsr-3930	31	1	scott	scott	PROPN
fsr-3930	31	2	(	(	PUNCT
fsr-3930	31	3	1995	1995	NUM
fsr-3930	31	4	,	,	PUNCT
fsr-3930	31	5	1997	1997	NUM
fsr-3930	31	6	)	)	PUNCT
fsr-3930	31	7	,	,	PUNCT
fsr-3930	31	8	reichenstein	reichenstein	NOUN
fsr-3930	31	9	(	(	PUNCT
fsr-3930	31	10	1998	1998	NUM
fsr-3930	31	11	,	,	PUNCT
fsr-3930	31	12	2000	2000	NUM
fsr-3930	31	13	)	)	PUNCT
fsr-3930	31	14	and	and	CCONJ
fsr-3930	31	15	others	other	NOUN
fsr-3930	31	16	advance	advance	VERB
fsr-3930	31	17	a	a	DET
fsr-3930	31	18	concept	concept	NOUN
fsr-3930	31	19	we	we	PRON
fsr-3930	31	20	label	label	VERB
fsr-3930	31	21	an	an	DET
fsr-3930	31	22	individual	individual	NOUN
fsr-3930	31	23	’s	’s	PART
fsr-3930	31	24	“	"	PUNCT
fsr-3930	31	25	total	total	ADJ
fsr-3930	31	26	portfolio	portfolio	NOUN
fsr-3930	31	27	.	.	PUNCT
fsr-3930	31	28	”	"	PUNCT
fsr-3930	32	1	this	this	DET
fsr-3930	32	2	total	total	ADJ
fsr-3930	32	3	portfolio	portfolio	NOUN
fsr-3930	32	4	includes	include	VERB
fsr-3930	32	5	the	the	DET
fsr-3930	32	6	traditional	traditional	ADJ
fsr-3930	32	7	financial	financial	ADJ
fsr-3930	32	8	portfolio	portfolio	NOUN
fsr-3930	32	9	(	(	PUNCT
fsr-3930	32	10	stocks	stock	NOUN
fsr-3930	32	11	,	,	PUNCT
fsr-3930	32	12	bonds	bond	NOUN
fsr-3930	32	13	,	,	PUNCT
fsr-3930	32	14	cash	cash	NOUN
fsr-3930	32	15	,	,	PUNCT
fsr-3930	32	16	etc	etc	X
fsr-3930	32	17	.	.	X
fsr-3930	32	18	)	)	PUNCT
fsr-3930	32	19	but	but	CCONJ
fsr-3930	32	20	adds	add	VERB
fsr-3930	32	21	other	other	ADJ
fsr-3930	32	22	relevant	relevant	ADJ
fsr-3930	32	23	assets	asset	NOUN
fsr-3930	32	24	.	.	PUNCT
fsr-3930	33	1	scott	scott	PROPN
fsr-3930	33	2	and	and	CCONJ
fsr-3930	33	3	reichenstein	reichenstein	PROPN
fsr-3930	33	4	both	both	PRON
fsr-3930	33	5	argue	argue	VERB
fsr-3930	33	6	that	that	SCONJ
fsr-3930	33	7	total	total	ADJ
fsr-3930	33	8	portfolios	portfolio	NOUN
fsr-3930	33	9	should	should	AUX
fsr-3930	33	10	include	include	VERB
fsr-3930	33	11	the	the	DET
fsr-3930	33	12	present	present	ADJ
fsr-3930	33	13	value	value	NOUN
fsr-3930	33	14	of	of	ADP
fsr-3930	33	15	social	social	ADJ
fsr-3930	33	16	security	security	NOUN
fsr-3930	33	17	benefits	benefit	NOUN
fsr-3930	33	18	(	(	PUNCT
fsr-3930	33	19	which	which	PRON
fsr-3930	33	20	we	we	PRON
fsr-3930	33	21	call	call	VERB
fsr-3930	33	22	“	"	PUNCT
fsr-3930	33	23	social	social	ADJ
fsr-3930	33	24	security	security	NOUN
fsr-3930	33	25	wealth	wealth	NOUN
fsr-3930	33	26	”	"	PUNCT
fsr-3930	33	27	)	)	PUNCT
fsr-3930	33	28	.	.	PUNCT
fsr-3930	34	1	few	few	ADJ
fsr-3930	34	2	would	would	AUX
fsr-3930	34	3	argue	argue	VERB
fsr-3930	34	4	that	that	SCONJ
fsr-3930	34	5	social	social	ADJ
fsr-3930	34	6	security	security	NOUN
fsr-3930	34	7	is	be	AUX
fsr-3930	34	8	unimportant	unimportant	ADJ
fsr-3930	34	9	,	,	PUNCT
fsr-3930	34	10	but	but	CCONJ
fsr-3930	34	11	even	even	ADV
fsr-3930	34	12	the	the	DET
fsr-3930	34	13	financially	financially	ADV
fsr-3930	34	14	sophisticated	sophisticated	ADJ
fsr-3930	34	15	regularly	regularly	ADV
fsr-3930	34	16	exclude	exclude	VERB
fsr-3930	34	17	social	social	ADJ
fsr-3930	34	18	security	security	NOUN
fsr-3930	34	19	wealth	wealth	NOUN
fsr-3930	34	20	from	from	ADP
fsr-3930	34	21	portfolio	portfolio	NOUN
fsr-3930	34	22	analysis	analysis	NOUN
fsr-3930	34	23	.	.	PUNCT
fsr-3930	35	1	as	as	ADP
fsr-3930	35	2	an	an	DET
fsr-3930	35	3	example	example	NOUN
fsr-3930	35	4	,	,	PUNCT
fsr-3930	35	5	two	two	NUM
fsr-3930	35	6	popular	popular	ADJ
fsr-3930	35	7	financial	financial	ADJ
fsr-3930	35	8	planning	planning	NOUN
fsr-3930	35	9	textbooks	textbook	NOUN
fsr-3930	35	10	(	(	PUNCT
fsr-3930	35	11	gitman	gitman	PROPN
fsr-3930	35	12	&	&	CCONJ
fsr-3930	35	13	joehnk	joehnk	PROPN
fsr-3930	35	14	,	,	PUNCT
fsr-3930	35	15	1999	1999	NUM
fsr-3930	35	16	,	,	PUNCT
fsr-3930	35	17	and	and	CCONJ
fsr-3930	35	18	kapoor	kapoor	PROPN
fsr-3930	35	19	,	,	PUNCT
fsr-3930	35	20	dlabay	dlabay	PROPN
fsr-3930	35	21	&	&	CCONJ
fsr-3930	35	22	hughes	hughes	PROPN
fsr-3930	35	23	,	,	PUNCT
fsr-3930	35	24	1999	1999	NUM
fsr-3930	35	25	)	)	PUNCT
fsr-3930	35	26	acknowledge	acknowledge	VERB
fsr-3930	35	27	that	that	SCONJ
fsr-3930	35	28	social	social	ADJ
fsr-3930	35	29	security	security	NOUN
fsr-3930	35	30	reduces	reduce	VERB
fsr-3930	35	31	,	,	PUNCT
fsr-3930	35	32	to	to	ADP
fsr-3930	35	33	a	a	DET
fsr-3930	35	34	degree	degree	NOUN
fsr-3930	35	35	,	,	PUNCT
fsr-3930	35	36	the	the	DET
fsr-3930	35	37	need	need	NOUN
fsr-3930	35	38	for	for	ADP
fsr-3930	35	39	other	other	ADJ
fsr-3930	35	40	retirement	retirement	NOUN
fsr-3930	35	41	income	income	NOUN
fsr-3930	35	42	but	but	CCONJ
fsr-3930	35	43	ignore	ignore	VERB
fsr-3930	35	44	social	social	ADJ
fsr-3930	35	45	security	security	NOUN
fsr-3930	35	46	wealth	wealth	NOUN
fsr-3930	35	47	’s	’s	PART
fsr-3930	35	48	impact	impact	NOUN
fsr-3930	35	49	on	on	ADP
fsr-3930	35	50	portfolio	portfolio	NOUN
fsr-3930	35	51	composition	composition	NOUN
fsr-3930	35	52	.	.	PUNCT
fsr-3930	36	1	we	we	PRON
fsr-3930	36	2	take	take	VERB
fsr-3930	36	3	scott	scott	PROPN
fsr-3930	36	4	’s	’s	PART
fsr-3930	36	5	and	and	CCONJ
fsr-3930	36	6	reichenstein	reichenstein	PROPN
fsr-3930	36	7	’s	’s	PART
fsr-3930	36	8	valuable	valuable	ADJ
fsr-3930	36	9	insights	insight	NOUN
fsr-3930	36	10	and	and	CCONJ
fsr-3930	36	11	advance	advance	VERB
fsr-3930	36	12	them	they	PRON
fsr-3930	36	13	with	with	ADP
fsr-3930	36	14	a	a	DET
fsr-3930	36	15	detailed	detailed	ADJ
fsr-3930	36	16	analysis	analysis	NOUN
fsr-3930	36	17	of	of	ADP
fsr-3930	36	18	how	how	SCONJ
fsr-3930	36	19	to	to	PART
fsr-3930	36	20	measure	measure	VERB
fsr-3930	36	21	and	and	CCONJ
fsr-3930	36	22	include	include	VERB
fsr-3930	36	23	social	social	ADJ
fsr-3930	36	24	security	security	NOUN
fsr-3930	36	25	as	as	ADP
fsr-3930	36	26	a	a	DET
fsr-3930	36	27	portfolio	portfolio	NOUN
fsr-3930	36	28	asset	asset	NOUN
fsr-3930	36	29	.	.	PUNCT
fsr-3930	37	1	despite	despite	SCONJ
fsr-3930	37	2	the	the	DET
fsr-3930	37	3	exclusion	exclusion	NOUN
fsr-3930	37	4	of	of	ADP
fsr-3930	37	5	social	social	ADJ
fsr-3930	37	6	security	security	NOUN
fsr-3930	37	7	from	from	ADP
fsr-3930	37	8	formal	formal	ADJ
fsr-3930	37	9	portfolio	portfolio	NOUN
fsr-3930	37	10	analysis	analysis	NOUN
fsr-3930	37	11	,	,	PUNCT
fsr-3930	37	12	many	many	ADJ
fsr-3930	37	13	people	people	NOUN
fsr-3930	37	14	implicitly	implicitly	ADV
fsr-3930	37	15	include	include	VERB
fsr-3930	37	16	social	social	ADJ
fsr-3930	37	17	security	security	NOUN
fsr-3930	37	18	as	as	ADP
fsr-3930	37	19	a	a	DET
fsr-3930	37	20	portfolio	portfolio	NOUN
fsr-3930	37	21	asset	asset	NOUN
fsr-3930	37	22	as	as	ADP
fsr-3930	37	23	a	a	DET
fsr-3930	37	24	matter	matter	NOUN
fsr-3930	37	25	of	of	ADP
fsr-3930	37	26	practice	practice	NOUN
fsr-3930	37	27	.	.	PUNCT
fsr-3930	38	1	feldstein	feldstein	PROPN
fsr-3930	38	2	(	(	PUNCT
fsr-3930	38	3	1974	1974	NUM
fsr-3930	38	4	)	)	PUNCT
fsr-3930	38	5	shows	show	VERB
fsr-3930	38	6	“	"	PUNCT
fsr-3930	38	7	social	social	ADJ
fsr-3930	38	8	security	security	NOUN
fsr-3930	38	9	substantially	substantially	ADV
fsr-3930	38	10	depresses	depress	VERB
fsr-3930	38	11	personal	personal	ADJ
fsr-3930	38	12	savings	saving	NOUN
fsr-3930	38	13	.	.	PUNCT
fsr-3930	38	14	”	"	PUNCT
fsr-3930	39	1	if	if	SCONJ
fsr-3930	39	2	social	social	ADJ
fsr-3930	39	3	security	security	NOUN
fsr-3930	39	4	empirically	empirically	ADV
fsr-3930	39	5	substitutes	substitute	VERB
fsr-3930	39	6	for	for	ADP
fsr-3930	39	7	savings	saving	NOUN
fsr-3930	39	8	,	,	PUNCT
fsr-3930	39	9	then	then	ADV
fsr-3930	39	10	the	the	DET
fsr-3930	39	11	typical	typical	ADJ
fsr-3930	39	12	social	social	ADJ
fsr-3930	39	13	security	security	NOUN
fsr-3930	39	14	beneficiary	beneficiary	NOUN
fsr-3930	39	15	is	be	AUX
fsr-3930	39	16	implicitly	implicitly	ADV
fsr-3930	39	17	incorporating	incorporate	VERB
fsr-3930	39	18	benefits	benefit	NOUN
fsr-3930	39	19	in	in	ADP
fsr-3930	39	20	his	his	PRON
fsr-3930	39	21	or	or	CCONJ
fsr-3930	39	22	her	her	PRON
fsr-3930	39	23	portfolio	portfolio	NOUN
fsr-3930	39	24	.	.	PUNCT
fsr-3930	40	1	hubbard	hubbard	PROPN
fsr-3930	40	2	(	(	PUNCT
fsr-3930	40	3	1985	1985	NUM
fsr-3930	40	4	)	)	PUNCT
fsr-3930	40	5	shows	show	VERB
fsr-3930	40	6	that	that	SCONJ
fsr-3930	40	7	social	social	ADJ
fsr-3930	40	8	security	security	NOUN
fsr-3930	40	9	wealth	wealth	NOUN
fsr-3930	40	10	affects	affect	VERB
fsr-3930	40	11	both	both	DET
fsr-3930	40	12	an	an	DET
fsr-3930	40	13	individual	individual	NOUN
fsr-3930	40	14	’s	’s	PART
fsr-3930	40	15	choice	choice	NOUN
fsr-3930	40	16	to	to	PART
fsr-3930	40	17	include	include	VERB
fsr-3930	40	18	particular	particular	ADJ
fsr-3930	40	19	investments	investment	NOUN
fsr-3930	40	20	and	and	CCONJ
fsr-3930	40	21	their	their	PRON
fsr-3930	40	22	subsequent	subsequent	ADJ
fsr-3930	40	23	portfolio	portfolio	NOUN
fsr-3930	40	24	weighting	weighting	NOUN
fsr-3930	40	25	.	.	PUNCT
fsr-3930	41	1	individuals	individual	NOUN
fsr-3930	41	2	are	be	AUX
fsr-3930	41	3	inherently	inherently	ADV
fsr-3930	41	4	including	include	VERB
fsr-3930	41	5	social	social	ADJ
fsr-3930	41	6	security	security	NOUN
fsr-3930	41	7	in	in	ADP
fsr-3930	41	8	the	the	DET
fsr-3930	41	9	asset	asset	NOUN
fsr-3930	41	10	mix	mix	NOUN
fsr-3930	41	11	decision	decision	NOUN
fsr-3930	41	12	,	,	PUNCT
fsr-3930	41	13	and	and	CCONJ
fsr-3930	41	14	portfolio	portfolio	NOUN
fsr-3930	41	15	analysis	analysis	NOUN
fsr-3930	41	16	literature	literature	NOUN
fsr-3930	41	17	should	should	AUX
fsr-3930	41	18	include	include	VERB
fsr-3930	41	19	social	social	ADJ
fsr-3930	41	20	security	security	NOUN
fsr-3930	41	21	as	as	ADV
fsr-3930	41	22	well	well	ADV
fsr-3930	41	23	.	.	PUNCT
fsr-3930	42	1	to	to	PART
fsr-3930	42	2	address	address	VERB
fsr-3930	42	3	this	this	DET
fsr-3930	42	4	issue	issue	NOUN
fsr-3930	42	5	,	,	PUNCT
fsr-3930	42	6	we	we	PRON
fsr-3930	42	7	first	first	ADV
fsr-3930	42	8	quantify	quantify	VERB
fsr-3930	42	9	the	the	DET
fsr-3930	42	10	present	present	ADJ
fsr-3930	42	11	value	value	NOUN
fsr-3930	42	12	of	of	ADP
fsr-3930	42	13	social	social	ADJ
fsr-3930	42	14	security	security	NOUN
fsr-3930	42	15	benefits	benefit	NOUN
fsr-3930	42	16	.	.	PUNCT
fsr-3930	43	1	we	we	PRON
fsr-3930	43	2	use	use	VERB
fsr-3930	43	3	the	the	DET
fsr-3930	43	4	similarities	similarity	NOUN
fsr-3930	43	5	between	between	ADP
fsr-3930	43	6	inflation	inflation	NOUN
fsr-3930	43	7	-	-	PUNCT
fsr-3930	43	8	indexed	index	VERB
fsr-3930	43	9	treasury	treasury	NOUN
fsr-3930	43	10	bonds	bond	NOUN
fsr-3930	43	11	and	and	CCONJ
fsr-3930	43	12	social	social	ADJ
fsr-3930	43	13	security	security	NOUN
fsr-3930	43	14	benefits	benefit	NOUN
fsr-3930	43	15	to	to	PART
fsr-3930	43	16	value	value	VERB
fsr-3930	43	17	those	those	DET
fsr-3930	43	18	benefits	benefit	NOUN
fsr-3930	43	19	.	.	PUNCT
fsr-3930	44	1	both	both	PRON
fsr-3930	44	2	social	social	ADJ
fsr-3930	44	3	security	security	NOUN
fsr-3930	44	4	and	and	CCONJ
fsr-3930	44	5	treasury	treasury	NOUN
fsr-3930	44	6	inflation	inflation	NOUN
fsr-3930	44	7	protection	protection	NOUN
fsr-3930	44	8	securities	security	NOUN
fsr-3930	44	9	(	(	PUNCT
fsr-3930	44	10	tips	tip	NOUN
fsr-3930	44	11	)	)	PUNCT
fsr-3930	44	12	have	have	VERB
fsr-3930	44	13	cash	cash	NOUN
fsr-3930	44	14	flows	flow	NOUN
fsr-3930	44	15	linked	link	VERB
fsr-3930	44	16	to	to	ADP
fsr-3930	44	17	the	the	DET
fsr-3930	44	18	consumer	consumer	NOUN
fsr-3930	44	19	price	price	NOUN
fsr-3930	44	20	index	index	NOUN
fsr-3930	44	21	(	(	PUNCT
fsr-3930	44	22	cpi	cpi	PROPN
fsr-3930	44	23	)	)	PUNCT
fsr-3930	44	24	,	,	PUNCT
fsr-3930	44	25	and	and	CCONJ
fsr-3930	44	26	both	both	PRON
fsr-3930	44	27	are	be	AUX
fsr-3930	44	28	federal	federal	ADJ
fsr-3930	44	29	obligations	obligation	NOUN
fsr-3930	44	30	.	.	PUNCT
fsr-3930	45	1	while	while	SCONJ
fsr-3930	45	2	there	there	PRON
fsr-3930	45	3	is	be	VERB
fsr-3930	45	4	slight	slight	ADJ
fsr-3930	45	5	ambiguity	ambiguity	NOUN
fsr-3930	45	6	in	in	ADP
fsr-3930	45	7	the	the	DET
fsr-3930	45	8	tips	tip	NOUN
fsr-3930	45	9	-	-	PUNCT
fsr-3930	45	10	social	social	ADJ
fsr-3930	45	11	security	security	NOUN
fsr-3930	45	12	analogy	analogy	NOUN
fsr-3930	45	13	(	(	PUNCT
fsr-3930	45	14	which	which	PRON
fsr-3930	45	15	we	we	PRON
fsr-3930	45	16	discuss	discuss	VERB
fsr-3930	45	17	in	in	ADP
fsr-3930	45	18	section	section	NOUN
fsr-3930	45	19	3.2	3.2	NUM
fsr-3930	45	20	below	below	ADP
fsr-3930	45	21	)	)	PUNCT
fsr-3930	45	22	,	,	PUNCT
fsr-3930	45	23	tips	tip	NOUN
fsr-3930	45	24	are	be	AUX
fsr-3930	45	25	good	good	ADJ
fsr-3930	45	26	approximations	approximation	NOUN
fsr-3930	45	27	for	for	ADP
fsr-3930	45	28	social	social	ADJ
fsr-3930	45	29	security	security	NOUN
fsr-3930	45	30	wealth	wealth	NOUN
fsr-3930	45	31	.	.	PUNCT
fsr-3930	46	1	with	with	ADP
fsr-3930	46	2	this	this	DET
fsr-3930	46	3	wealth	wealth	NOUN
fsr-3930	46	4	value	value	NOUN
fsr-3930	46	5	computed	compute	VERB
fsr-3930	46	6	,	,	PUNCT
fsr-3930	46	7	we	we	PRON
fsr-3930	46	8	investigate	investigate	VERB
fsr-3930	46	9	the	the	DET
fsr-3930	46	10	effect	effect	NOUN
fsr-3930	46	11	of	of	ADP
fsr-3930	46	12	social	social	ADJ
fsr-3930	46	13	security	security	NOUN
fsr-3930	46	14	benefits	benefit	NOUN
fsr-3930	46	15	on	on	ADP
fsr-3930	46	16	strategic	strategic	ADJ
fsr-3930	46	17	asset	asset	NOUN
fsr-3930	46	18	allocation	allocation	NOUN
fsr-3930	46	19	under	under	ADP
fsr-3930	46	20	several	several	ADJ
fsr-3930	46	21	common	common	ADJ
fsr-3930	46	22	asset	asset	NOUN
fsr-3930	46	23	-	-	PUNCT
fsr-3930	46	24	mix	mix	NOUN
fsr-3930	46	25	decision	decision	NOUN
fsr-3930	46	26	rules	rule	NOUN
fsr-3930	46	27	.	.	PUNCT
fsr-3930	47	1	there	there	PRON
fsr-3930	47	2	are	be	VERB
fsr-3930	47	3	numerous	numerous	ADJ
fsr-3930	47	4	approaches	approach	NOUN
fsr-3930	47	5	to	to	ADP
fsr-3930	47	6	the	the	DET
fsr-3930	47	7	asset	asset	NOUN
fsr-3930	47	8	allocation	allocation	NOUN
fsr-3930	47	9	decision	decision	NOUN
fsr-3930	47	10	ranging	range	VERB
fsr-3930	47	11	from	from	ADP
fsr-3930	47	12	the	the	DET
fsr-3930	47	13	simple	simple	NOUN
fsr-3930	47	14	to	to	ADP
fsr-3930	47	15	complex	complex	ADJ
fsr-3930	47	16	.	.	PUNCT
fsr-3930	48	1	we	we	PRON
fsr-3930	48	2	consider	consider	VERB
fsr-3930	48	3	simple	simple	ADJ
fsr-3930	48	4	fixed	fix	VERB
fsr-3930	48	5	mixes	mix	NOUN
fsr-3930	48	6	,	,	PUNCT
fsr-3930	48	7	life	life	NOUN
fsr-3930	48	8	-	-	PUNCT
fsr-3930	48	9	cycle	cycle	NOUN
fsr-3930	48	10	rules	rule	NOUN
fsr-3930	48	11	and	and	CCONJ
fsr-3930	48	12	consensus	consensus	NOUN
fsr-3930	48	13	expert	expert	NOUN
fsr-3930	48	14	views	view	NOUN
fsr-3930	48	15	.	.	PUNCT
fsr-3930	49	1	in	in	ADP
fsr-3930	49	2	296	296	NUM
fsr-3930	49	3	s.p	s.p	PROPN
fsr-3930	49	4	.	.	PROPN
fsr-3930	49	5	fraser	fraser	PROPN
fsr-3930	49	6	et	et	PROPN
fsr-3930	49	7	al	al	PROPN
fsr-3930	49	8	.	.	PUNCT
fsr-3930	49	9	/	/	SYM
fsr-3930	49	10	financial	financial	ADJ
fsr-3930	49	11	services	service	NOUN
fsr-3930	49	12	review	review	VERB
fsr-3930	49	13	9	9	NUM
fsr-3930	49	14	(	(	PUNCT
fsr-3930	49	15	2000	2000	NUM
fsr-3930	49	16	)	)	PUNCT
fsr-3930	49	17	295–326	295–326	NUM
fsr-3930	49	18	each	each	DET
fsr-3930	49	19	case	case	NOUN
fsr-3930	49	20	,	,	PUNCT
fsr-3930	49	21	the	the	DET
fsr-3930	49	22	impact	impact	NOUN
fsr-3930	49	23	on	on	ADP
fsr-3930	49	24	an	an	DET
fsr-3930	49	25	individual	individual	NOUN
fsr-3930	49	26	’s	’s	PART
fsr-3930	49	27	asset	asset	NOUN
fsr-3930	49	28	allocation	allocation	NOUN
fsr-3930	49	29	of	of	ADP
fsr-3930	49	30	including	include	VERB
fsr-3930	49	31	social	social	ADJ
fsr-3930	49	32	security	security	NOUN
fsr-3930	49	33	wealth	wealth	NOUN
fsr-3930	49	34	is	be	AUX
fsr-3930	49	35	dramatic	dramatic	ADJ
fsr-3930	49	36	.	.	PUNCT
fsr-3930	50	1	beyond	beyond	ADP
fsr-3930	50	2	these	these	DET
fsr-3930	50	3	simple	simple	ADJ
fsr-3930	50	4	diversified	diversified	ADJ
fsr-3930	50	5	portfolio	portfolio	NOUN
fsr-3930	50	6	approaches	approach	NOUN
fsr-3930	50	7	,	,	PUNCT
fsr-3930	50	8	we	we	PRON
fsr-3930	50	9	assess	assess	VERB
fsr-3930	50	10	the	the	DET
fsr-3930	50	11	impact	impact	NOUN
fsr-3930	50	12	of	of	ADP
fsr-3930	50	13	social	social	ADJ
fsr-3930	50	14	security	security	NOUN
fsr-3930	50	15	under	under	ADP
fsr-3930	50	16	mean	mean	ADJ
fsr-3930	50	17	-	-	PUNCT
fsr-3930	50	18	variance	variance	NOUN
fsr-3930	50	19	optimization	optimization	NOUN
fsr-3930	50	20	.	.	PUNCT
fsr-3930	51	1	social	social	ADJ
fsr-3930	51	2	security	security	NOUN
fsr-3930	51	3	benefits	benefit	NOUN
fsr-3930	51	4	shift	shift	VERB
fsr-3930	51	5	the	the	DET
fsr-3930	51	6	meanvariance	meanvariance	NOUN
fsr-3930	51	7	efficient	efficient	ADJ
fsr-3930	51	8	frontier	frontier	NOUN
fsr-3930	51	9	and	and	CCONJ
fsr-3930	51	10	offer	offer	VERB
fsr-3930	51	11	substantial	substantial	ADJ
fsr-3930	51	12	risk	risk	NOUN
fsr-3930	51	13	-	-	PUNCT
fsr-3930	51	14	reduction	reduction	NOUN
fsr-3930	51	15	opportunities	opportunity	NOUN
fsr-3930	51	16	.	.	PUNCT
fsr-3930	52	1	since	since	SCONJ
fsr-3930	52	2	social	social	ADJ
fsr-3930	52	3	security	security	NOUN
fsr-3930	52	4	wealth	wealth	NOUN
fsr-3930	52	5	behaves	behave	VERB
fsr-3930	52	6	much	much	ADV
fsr-3930	52	7	like	like	ADP
fsr-3930	52	8	an	an	DET
fsr-3930	52	9	inflation	inflation	NOUN
fsr-3930	52	10	-	-	PUNCT
fsr-3930	52	11	indexed	index	VERB
fsr-3930	52	12	treasury	treasury	NOUN
fsr-3930	52	13	bond	bond	NOUN
fsr-3930	52	14	,	,	PUNCT
fsr-3930	52	15	considering	consider	VERB
fsr-3930	52	16	it	it	PRON
fsr-3930	52	17	in	in	ADP
fsr-3930	52	18	the	the	DET
fsr-3930	52	19	total	total	ADJ
fsr-3930	52	20	portfolio	portfolio	NOUN
fsr-3930	52	21	has	have	VERB
fsr-3930	52	22	a	a	DET
fsr-3930	52	23	striking	striking	ADJ
fsr-3930	52	24	impact	impact	NOUN
fsr-3930	52	25	on	on	ADP
fsr-3930	52	26	the	the	DET
fsr-3930	52	27	optimized	optimize	VERB
fsr-3930	52	28	financial	financial	ADJ
fsr-3930	52	29	portfolio	portfolio	NOUN
fsr-3930	52	30	.	.	PUNCT
fsr-3930	53	1	by	by	ADP
fsr-3930	53	2	answering	answer	VERB
fsr-3930	53	3	the	the	DET
fsr-3930	53	4	three	three	NUM
fsr-3930	53	5	questions	question	NOUN
fsr-3930	53	6	(	(	PUNCT
fsr-3930	53	7	should	should	AUX
fsr-3930	53	8	we	we	PRON
fsr-3930	53	9	include	include	VERB
fsr-3930	53	10	social	social	ADJ
fsr-3930	53	11	security	security	NOUN
fsr-3930	53	12	?	?	PUNCT
fsr-3930	54	1	what	what	PRON
fsr-3930	54	2	is	be	AUX
fsr-3930	54	3	its	its	PRON
fsr-3930	54	4	value	value	NOUN
fsr-3930	54	5	?	?	PUNCT
fsr-3930	55	1	and	and	CCONJ
fsr-3930	55	2	what	what	PRON
fsr-3930	55	3	is	be	AUX
fsr-3930	55	4	its	its	PRON
fsr-3930	55	5	impact	impact	NOUN
fsr-3930	55	6	?	?	PUNCT
fsr-3930	55	7	)	)	PUNCT
fsr-3930	55	8	,	,	PUNCT
fsr-3930	55	9	we	we	PRON
fsr-3930	55	10	create	create	VERB
fsr-3930	55	11	arguments	argument	NOUN
fsr-3930	55	12	for	for	ADP
fsr-3930	55	13	adding	add	VERB
fsr-3930	55	14	stock	stock	NOUN
fsr-3930	55	15	to	to	ADP
fsr-3930	55	16	the	the	DET
fsr-3930	55	17	asset	asset	NOUN
fsr-3930	55	18	mix	mix	NOUN
fsr-3930	55	19	.	.	PUNCT
fsr-3930	56	1	siegel	siegel	NOUN
fsr-3930	56	2	(	(	PUNCT
fsr-3930	56	3	1998	1998	NUM
fsr-3930	56	4	)	)	PUNCT
fsr-3930	56	5	and	and	CCONJ
fsr-3930	56	6	others	other	NOUN
fsr-3930	56	7	prescribe	prescribe	VERB
fsr-3930	56	8	higher	high	ADJ
fsr-3930	56	9	stock	stock	NOUN
fsr-3930	56	10	allocations	allocation	NOUN
fsr-3930	56	11	than	than	ADP
fsr-3930	56	12	typical	typical	ADJ
fsr-3930	56	13	asset	asset	NOUN
fsr-3930	56	14	allocation	allocation	NOUN
fsr-3930	56	15	models	model	NOUN
fsr-3930	56	16	because	because	SCONJ
fsr-3930	56	17	of	of	ADP
fsr-3930	56	18	their	their	PRON
fsr-3930	56	19	long	long	ADJ
fsr-3930	56	20	-	-	PUNCT
fsr-3930	56	21	run	run	VERB
fsr-3930	56	22	risk	risk	NOUN
fsr-3930	56	23	-	-	PUNCT
fsr-3930	56	24	return	return	NOUN
fsr-3930	56	25	benefits	benefit	NOUN
fsr-3930	56	26	.	.	PUNCT
fsr-3930	57	1	for	for	ADP
fsr-3930	57	2	some	some	DET
fsr-3930	57	3	investors	investor	NOUN
fsr-3930	57	4	,	,	PUNCT
fsr-3930	57	5	investing	invest	VERB
fsr-3930	57	6	in	in	ADP
fsr-3930	57	7	bonds	bond	NOUN
fsr-3930	57	8	can	can	AUX
fsr-3930	57	9	be	be	AUX
fsr-3930	57	10	comforting	comforting	ADJ
fsr-3930	57	11	.	.	PUNCT
fsr-3930	58	1	perhaps	perhaps	ADV
fsr-3930	58	2	this	this	PRON
fsr-3930	58	3	is	be	AUX
fsr-3930	58	4	the	the	DET
fsr-3930	58	5	case	case	NOUN
fsr-3930	58	6	because	because	SCONJ
fsr-3930	58	7	their	their	PRON
fsr-3930	58	8	predictable	predictable	ADJ
fsr-3930	58	9	cash	cash	NOUN
fsr-3930	58	10	flow	flow	NOUN
fsr-3930	58	11	allows	allow	VERB
fsr-3930	58	12	them	they	PRON
fsr-3930	58	13	to	to	PART
fsr-3930	58	14	plan	plan	VERB
fsr-3930	58	15	their	their	PRON
fsr-3930	58	16	spending	spending	NOUN
fsr-3930	58	17	or	or	CCONJ
fsr-3930	58	18	because	because	SCONJ
fsr-3930	58	19	bond	bond	NOUN
fsr-3930	58	20	’s	’s	PART
fsr-3930	58	21	stable	stable	ADJ
fsr-3930	58	22	returns	return	NOUN
fsr-3930	58	23	can	can	AUX
fsr-3930	58	24	be	be	AUX
fsr-3930	58	25	reassuring	reassure	VERB
fsr-3930	58	26	.	.	PUNCT
fsr-3930	59	1	the	the	DET
fsr-3930	59	2	notion	notion	NOUN
fsr-3930	59	3	that	that	SCONJ
fsr-3930	59	4	social	social	ADJ
fsr-3930	59	5	security	security	NOUN
fsr-3930	59	6	payments	payment	NOUN
fsr-3930	59	7	are	be	AUX
fsr-3930	59	8	very	very	ADV
fsr-3930	59	9	similar	similar	ADJ
fsr-3930	59	10	to	to	ADP
fsr-3930	59	11	treasury	treasury	NOUN
fsr-3930	59	12	bond	bond	NOUN
fsr-3930	59	13	coupon	coupon	NOUN
fsr-3930	59	14	payments	payment	NOUN
fsr-3930	59	15	is	be	AUX
fsr-3930	59	16	simple	simple	ADJ
fsr-3930	59	17	,	,	PUNCT
fsr-3930	59	18	intuitive	intuitive	ADJ
fsr-3930	59	19	,	,	PUNCT
fsr-3930	59	20	and	and	CCONJ
fsr-3930	59	21	persuasive	persuasive	ADJ
fsr-3930	59	22	—	—	PUNCT
fsr-3930	59	23	once	once	SCONJ
fsr-3930	59	24	the	the	DET
fsr-3930	59	25	similarity	similarity	NOUN
fsr-3930	59	26	is	be	AUX
fsr-3930	59	27	considered	consider	VERB
fsr-3930	59	28	.	.	PUNCT
fsr-3930	60	1	to	to	ADP
fsr-3930	60	2	the	the	DET
fsr-3930	60	3	extent	extent	NOUN
fsr-3930	60	4	it	it	PRON
fsr-3930	60	5	is	be	AUX
fsr-3930	60	6	persuasive	persuasive	ADJ
fsr-3930	60	7	,	,	PUNCT
fsr-3930	60	8	this	this	DET
fsr-3930	60	9	analysis	analysis	NOUN
fsr-3930	60	10	encourages	encourage	VERB
fsr-3930	60	11	increased	increase	VERB
fsr-3930	60	12	stockholdings	stockholding	NOUN
fsr-3930	60	13	to	to	PART
fsr-3930	60	14	achieve	achieve	VERB
fsr-3930	60	15	target	target	NOUN
fsr-3930	60	16	asset	asset	NOUN
fsr-3930	60	17	allocations	allocation	NOUN
fsr-3930	60	18	.	.	PUNCT
fsr-3930	61	1	we	we	PRON
fsr-3930	61	2	organize	organize	VERB
fsr-3930	61	3	the	the	DET
fsr-3930	61	4	remainder	remainder	NOUN
fsr-3930	61	5	of	of	ADP
fsr-3930	61	6	this	this	DET
fsr-3930	61	7	paper	paper	NOUN
fsr-3930	61	8	as	as	SCONJ
fsr-3930	61	9	follows	follow	VERB
fsr-3930	61	10	:	:	PUNCT
fsr-3930	61	11	section	section	NOUN
fsr-3930	61	12	2	2	NUM
fsr-3930	61	13	discusses	discuss	VERB
fsr-3930	61	14	the	the	DET
fsr-3930	61	15	inclusion	inclusion	NOUN
fsr-3930	61	16	of	of	ADP
fsr-3930	61	17	social	social	ADJ
fsr-3930	61	18	security	security	NOUN
fsr-3930	61	19	wealth	wealth	NOUN
fsr-3930	61	20	in	in	ADP
fsr-3930	61	21	an	an	DET
fsr-3930	61	22	investor	investor	NOUN
fsr-3930	61	23	’s	’s	PART
fsr-3930	61	24	portfolio	portfolio	NOUN
fsr-3930	61	25	.	.	PUNCT
fsr-3930	62	1	section	section	NOUN
fsr-3930	62	2	3	3	NUM
fsr-3930	62	3	presents	present	VERB
fsr-3930	62	4	our	our	PRON
fsr-3930	62	5	arguments	argument	NOUN
fsr-3930	62	6	for	for	ADP
fsr-3930	62	7	using	use	VERB
fsr-3930	62	8	tips	tip	NOUN
fsr-3930	62	9	to	to	PART
fsr-3930	62	10	value	value	VERB
fsr-3930	62	11	social	social	ADJ
fsr-3930	62	12	security	security	NOUN
fsr-3930	62	13	as	as	ADV
fsr-3930	62	14	well	well	ADV
fsr-3930	62	15	as	as	ADP
fsr-3930	62	16	our	our	PRON
fsr-3930	62	17	specific	specific	ADJ
fsr-3930	62	18	valuation	valuation	NOUN
fsr-3930	62	19	method	method	NOUN
fsr-3930	62	20	and	and	CCONJ
fsr-3930	62	21	the	the	DET
fsr-3930	62	22	underlying	underlie	VERB
fsr-3930	62	23	assumptions	assumption	NOUN
fsr-3930	62	24	.	.	PUNCT
fsr-3930	63	1	section	section	NOUN
fsr-3930	63	2	4	4	NUM
fsr-3930	63	3	shows	show	VERB
fsr-3930	63	4	the	the	DET
fsr-3930	63	5	asset	asset	NOUN
fsr-3930	63	6	allocation	allocation	NOUN
fsr-3930	63	7	implications	implication	NOUN
fsr-3930	63	8	of	of	ADP
fsr-3930	63	9	valuing	value	VERB
fsr-3930	63	10	social	social	ADJ
fsr-3930	63	11	security	security	NOUN
fsr-3930	63	12	wealth	wealth	NOUN
fsr-3930	63	13	.	.	PUNCT
fsr-3930	64	1	section	section	NOUN
fsr-3930	64	2	5	5	NUM
fsr-3930	64	3	summarizes	summarize	NOUN
fsr-3930	64	4	our	our	PRON
fsr-3930	64	5	findings	finding	NOUN
fsr-3930	64	6	,	,	PUNCT
fsr-3930	64	7	discusses	discuss	VERB
fsr-3930	64	8	extensions	extension	NOUN
fsr-3930	64	9	and	and	CCONJ
fsr-3930	64	10	includes	include	VERB
fsr-3930	64	11	a	a	DET
fsr-3930	64	12	simple	simple	ADJ
fsr-3930	64	13	one	one	NUM
fsr-3930	64	14	-	-	PUNCT
fsr-3930	64	15	paragraph	paragraph	NOUN
fsr-3930	64	16	description	description	NOUN
fsr-3930	64	17	of	of	ADP
fsr-3930	64	18	how	how	SCONJ
fsr-3930	64	19	to	to	PART
fsr-3930	64	20	apply	apply	VERB
fsr-3930	64	21	our	our	PRON
fsr-3930	64	22	findings	finding	NOUN
fsr-3930	64	23	.	.	PUNCT
fsr-3930	65	1	2	2	X
fsr-3930	65	2	.	.	X
fsr-3930	65	3	social	social	ADJ
fsr-3930	65	4	security	security	NOUN
fsr-3930	65	5	wealth	wealth	NOUN
fsr-3930	65	6	as	as	ADP
fsr-3930	65	7	a	a	DET
fsr-3930	65	8	portfolio	portfolio	NOUN
fsr-3930	65	9	asset	asset	NOUN
fsr-3930	65	10	despite	despite	SCONJ
fsr-3930	65	11	widespread	widespread	ADJ
fsr-3930	65	12	analysis	analysis	NOUN
fsr-3930	65	13	of	of	ADP
fsr-3930	65	14	optimal	optimal	ADJ
fsr-3930	65	15	portfolio	portfolio	NOUN
fsr-3930	65	16	asset	asset	NOUN
fsr-3930	65	17	allocation	allocation	NOUN
fsr-3930	65	18	policy	policy	NOUN
fsr-3930	65	19	,	,	PUNCT
fsr-3930	65	20	there	there	PRON
fsr-3930	65	21	is	be	VERB
fsr-3930	65	22	little	little	ADJ
fsr-3930	65	23	consensus	consensus	NOUN
fsr-3930	65	24	on	on	ADP
fsr-3930	65	25	which	which	PRON
fsr-3930	65	26	assets	asset	NOUN
fsr-3930	65	27	to	to	PART
fsr-3930	65	28	include	include	VERB
fsr-3930	65	29	.	.	PUNCT
fsr-3930	66	1	given	give	VERB
fsr-3930	66	2	the	the	DET
fsr-3930	66	3	dominance	dominance	NOUN
fsr-3930	66	4	of	of	ADP
fsr-3930	66	5	strategic	strategic	ADJ
fsr-3930	66	6	asset	asset	NOUN
fsr-3930	66	7	allocation	allocation	NOUN
fsr-3930	66	8	decisions	decision	NOUN
fsr-3930	66	9	over	over	ADP
fsr-3930	66	10	security	security	NOUN
fsr-3930	66	11	selection	selection	NOUN
fsr-3930	66	12	and	and	CCONJ
fsr-3930	66	13	market	market	NOUN
fsr-3930	66	14	timing	timing	NOUN
fsr-3930	66	15	decisions	decision	NOUN
fsr-3930	66	16	(	(	PUNCT
fsr-3930	66	17	brinson	brinson	PROPN
fsr-3930	66	18	,	,	PUNCT
fsr-3930	66	19	hood	hood	PROPN
fsr-3930	66	20	&	&	CCONJ
fsr-3930	66	21	beebower	beebower	PROPN
fsr-3930	66	22	,	,	PUNCT
fsr-3930	66	23	1986	1986	NUM
fsr-3930	66	24	)	)	PUNCT
fsr-3930	66	25	,	,	PUNCT
fsr-3930	66	26	there	there	PRON
fsr-3930	66	27	is	be	VERB
fsr-3930	66	28	a	a	DET
fsr-3930	66	29	critical	critical	ADJ
fsr-3930	66	30	need	need	NOUN
fsr-3930	66	31	for	for	ADP
fsr-3930	66	32	accuracy	accuracy	NOUN
fsr-3930	66	33	in	in	ADP
fsr-3930	66	34	determining	determine	VERB
fsr-3930	66	35	the	the	DET
fsr-3930	66	36	portfolio	portfolio	NOUN
fsr-3930	66	37	.	.	PUNCT
fsr-3930	67	1	reichenstein	reichenstein	PROPN
fsr-3930	67	2	(	(	PUNCT
fsr-3930	67	3	1998	1998	NUM
fsr-3930	67	4	,	,	PUNCT
fsr-3930	67	5	2000	2000	NUM
fsr-3930	67	6	)	)	PUNCT
fsr-3930	67	7	reviews	review	NOUN
fsr-3930	67	8	and	and	CCONJ
fsr-3930	67	9	analyzes	analyze	VERB
fsr-3930	67	10	the	the	DET
fsr-3930	67	11	inclusion	inclusion	NOUN
fsr-3930	67	12	and	and	CCONJ
fsr-3930	67	13	valuation	valuation	NOUN
fsr-3930	67	14	of	of	ADP
fsr-3930	67	15	portfolio	portfolio	NOUN
fsr-3930	67	16	assets	asset	NOUN
fsr-3930	67	17	.	.	PUNCT
fsr-3930	68	1	he	he	PRON
fsr-3930	68	2	advances	advance	VERB
fsr-3930	68	3	and	and	CCONJ
fsr-3930	68	4	enhances	enhance	VERB
fsr-3930	68	5	the	the	DET
fsr-3930	68	6	scott	scott	PROPN
fsr-3930	68	7	(	(	PUNCT
fsr-3930	68	8	1995	1995	NUM
fsr-3930	68	9	,	,	PUNCT
fsr-3930	68	10	1997	1997	NUM
fsr-3930	68	11	)	)	PUNCT
fsr-3930	68	12	view	view	NOUN
fsr-3930	68	13	of	of	ADP
fsr-3930	68	14	an	an	DET
fsr-3930	68	15	“	"	PUNCT
fsr-3930	68	16	investment	investment	NOUN
fsr-3930	68	17	portfolio	portfolio	NOUN
fsr-3930	68	18	”	"	PUNCT
fsr-3930	68	19	;	;	PUNCT
fsr-3930	68	20	that	that	PRON
fsr-3930	68	21	is	be	AUX
fsr-3930	68	22	,	,	PUNCT
fsr-3930	68	23	assets	asset	NOUN
fsr-3930	68	24	that	that	PRON
fsr-3930	68	25	generate	generate	VERB
fsr-3930	68	26	spending	spending	NOUN
fsr-3930	68	27	money	money	NOUN
fsr-3930	68	28	or	or	CCONJ
fsr-3930	68	29	that	that	PRON
fsr-3930	68	30	can	can	AUX
fsr-3930	68	31	be	be	AUX
fsr-3930	68	32	sold	sell	VERB
fsr-3930	68	33	for	for	ADP
fsr-3930	68	34	spending	spend	VERB
fsr-3930	68	35	money	money	NOUN
fsr-3930	68	36	.	.	PUNCT
fsr-3930	69	1	the	the	DET
fsr-3930	69	2	“	"	PUNCT
fsr-3930	69	3	investment	investment	NOUN
fsr-3930	69	4	portfolio	portfolio	NOUN
fsr-3930	69	5	”	"	PUNCT
fsr-3930	69	6	is	be	AUX
fsr-3930	69	7	larger	large	ADJ
fsr-3930	69	8	than	than	ADP
fsr-3930	69	9	a	a	DET
fsr-3930	69	10	pure	pure	ADJ
fsr-3930	69	11	financial	financial	ADJ
fsr-3930	69	12	portfolio	portfolio	NOUN
fsr-3930	69	13	.	.	PUNCT
fsr-3930	70	1	scott	scott	PROPN
fsr-3930	70	2	and	and	CCONJ
fsr-3930	70	3	reichenstein	reichenstein	PROPN
fsr-3930	70	4	both	both	PRON
fsr-3930	70	5	consider	consider	VERB
fsr-3930	70	6	social	social	ADJ
fsr-3930	70	7	security	security	NOUN
fsr-3930	70	8	wealth	wealth	NOUN
fsr-3930	70	9	a	a	DET
fsr-3930	70	10	portfolio	portfolio	NOUN
fsr-3930	70	11	asset	asset	NOUN
fsr-3930	70	12	.	.	PUNCT
fsr-3930	71	1	beyond	beyond	ADP
fsr-3930	71	2	the	the	DET
fsr-3930	71	3	limited	limited	ADJ
fsr-3930	71	4	individual	individual	ADJ
fsr-3930	71	5	finance	finance	NOUN
fsr-3930	71	6	literature	literature	NOUN
fsr-3930	71	7	,	,	PUNCT
fsr-3930	71	8	there	there	PRON
fsr-3930	71	9	is	be	VERB
fsr-3930	71	10	legal	legal	ADJ
fsr-3930	71	11	economics	economic	NOUN
fsr-3930	71	12	research	research	NOUN
fsr-3930	71	13	on	on	ADP
fsr-3930	71	14	the	the	DET
fsr-3930	71	15	value	value	NOUN
fsr-3930	71	16	of	of	ADP
fsr-3930	71	17	retirement	retirement	NOUN
fsr-3930	71	18	benefits	benefit	NOUN
fsr-3930	71	19	(	(	PUNCT
fsr-3930	71	20	e.g.	e.g.	ADV
fsr-3930	71	21	,	,	PUNCT
fsr-3930	71	22	stoller	stoller	NOUN
fsr-3930	71	23	,	,	PUNCT
fsr-3930	71	24	1992	1992	NUM
fsr-3930	71	25	;	;	PUNCT
fsr-3930	71	26	rosenman	rosenman	NOUN
fsr-3930	71	27	&	&	CCONJ
fsr-3930	71	28	fort	fort	NOUN
fsr-3930	71	29	,	,	PUNCT
fsr-3930	71	30	1992	1992	NUM
fsr-3930	71	31	)	)	PUNCT
fsr-3930	71	32	.	.	PUNCT
fsr-3930	72	1	valuation	valuation	NOUN
fsr-3930	72	2	is	be	AUX
fsr-3930	72	3	relevant	relevant	ADJ
fsr-3930	72	4	to	to	AUX
fsr-3930	72	5	divorce	divorce	VERB
fsr-3930	72	6	,	,	PUNCT
fsr-3930	72	7	personal	personal	ADJ
fsr-3930	72	8	injury	injury	NOUN
fsr-3930	72	9	and	and	CCONJ
fsr-3930	72	10	wrongful	wrongful	ADJ
fsr-3930	72	11	death	death	NOUN
fsr-3930	72	12	cases	case	NOUN
fsr-3930	72	13	.	.	PUNCT
fsr-3930	73	1	stoller	stoller	PROPN
fsr-3930	73	2	notes	note	VERB
fsr-3930	73	3	,	,	PUNCT
fsr-3930	73	4	“	"	PUNCT
fsr-3930	73	5	the	the	DET
fsr-3930	73	6	present	present	ADJ
fsr-3930	73	7	value	value	NOUN
fsr-3930	73	8	of	of	ADP
fsr-3930	73	9	a	a	DET
fsr-3930	73	10	spouse	spouse	NOUN
fsr-3930	73	11	’s	’s	PART
fsr-3930	73	12	pension	pension	NOUN
fsr-3930	73	13	can	can	AUX
fsr-3930	73	14	easily	easily	ADV
fsr-3930	73	15	be	be	AUX
fsr-3930	73	16	the	the	DET
fsr-3930	73	17	most	most	ADV
fsr-3930	73	18	valuable	valuable	ADJ
fsr-3930	73	19	asset	asset	NOUN
fsr-3930	73	20	that	that	SCONJ
fsr-3930	73	21	a	a	DET
fsr-3930	73	22	couple	couple	NOUN
fsr-3930	73	23	possesses	possesse	NOUN
fsr-3930	73	24	.	.	PUNCT
fsr-3930	73	25	”	"	PUNCT
fsr-3930	74	1	as	as	ADP
fsr-3930	74	2	a	a	DET
fsr-3930	74	3	valuable	valuable	ADJ
fsr-3930	74	4	asset	asset	NOUN
fsr-3930	74	5	and	and	CCONJ
fsr-3930	74	6	as	as	ADP
fsr-3930	74	7	the	the	DET
fsr-3930	74	8	most	most	ADV
fsr-3930	74	9	-	-	PUNCT
fsr-3930	74	10	portable	portable	ADJ
fsr-3930	74	11	pension	pension	NOUN
fsr-3930	74	12	,	,	PUNCT
fsr-3930	74	13	social	social	ADJ
fsr-3930	74	14	security	security	NOUN
fsr-3930	74	15	wealth	wealth	NOUN
fsr-3930	74	16	should	should	AUX
fsr-3930	74	17	affect	affect	VERB
fsr-3930	74	18	portfolio	portfolio	NOUN
fsr-3930	74	19	analysis	analysis	NOUN
fsr-3930	74	20	as	as	ADV
fsr-3930	74	21	well	well	ADV
fsr-3930	74	22	.	.	PUNCT
fsr-3930	75	1	social	social	ADJ
fsr-3930	75	2	security	security	NOUN
fsr-3930	75	3	is	be	AUX
fsr-3930	75	4	a	a	DET
fsr-3930	75	5	savings	savings	NOUN
fsr-3930	75	6	program	program	NOUN
fsr-3930	75	7	in	in	ADP
fsr-3930	75	8	some	some	DET
fsr-3930	75	9	respects	respect	NOUN
fsr-3930	75	10	.	.	PUNCT
fsr-3930	76	1	foregoing	forego	VERB
fsr-3930	76	2	consumption	consumption	NOUN
fsr-3930	76	3	now	now	ADV
fsr-3930	76	4	in	in	ADP
fsr-3930	76	5	order	order	NOUN
fsr-3930	76	6	to	to	PART
fsr-3930	76	7	consume	consume	VERB
fsr-3930	76	8	later	later	ADV
fsr-3930	76	9	is	be	AUX
fsr-3930	76	10	a	a	DET
fsr-3930	76	11	prime	prime	ADJ
fsr-3930	76	12	reason	reason	NOUN
fsr-3930	76	13	for	for	ADP
fsr-3930	76	14	saving	saving	NOUN
fsr-3930	76	15	.	.	PUNCT
fsr-3930	77	1	similarly	similarly	ADV
fsr-3930	77	2	,	,	PUNCT
fsr-3930	77	3	social	social	ADJ
fsr-3930	77	4	security	security	NOUN
fsr-3930	77	5	reallocates	reallocate	VERB
fsr-3930	77	6	consumption	consumption	NOUN
fsr-3930	77	7	across	across	ADP
fsr-3930	77	8	time	time	NOUN
fsr-3930	77	9	(	(	PUNCT
fsr-3930	77	10	albeit	albeit	SCONJ
fsr-3930	77	11	via	via	ADP
fsr-3930	77	12	forced	force	VERB
fsr-3930	77	13	intergenerational	intergenerational	ADJ
fsr-3930	77	14	transfers	transfer	NOUN
fsr-3930	77	15	)	)	PUNCT
fsr-3930	77	16	.	.	PUNCT
fsr-3930	78	1	this	this	DET
fsr-3930	78	2	similarity	similarity	NOUN
fsr-3930	78	3	supports	support	VERB
fsr-3930	78	4	thinking	thinking	NOUN
fsr-3930	78	5	of	of	ADP
fsr-3930	78	6	social	social	ADJ
fsr-3930	78	7	security	security	NOUN
fsr-3930	78	8	wealth	wealth	NOUN
fsr-3930	78	9	—	—	PUNCT
fsr-3930	78	10	like	like	ADP
fsr-3930	78	11	other	other	ADJ
fsr-3930	78	12	savings	saving	NOUN
fsr-3930	78	13	—	—	PUNCT
fsr-3930	78	14	as	as	ADP
fsr-3930	78	15	a	a	DET
fsr-3930	78	16	portfolio	portfolio	NOUN
fsr-3930	78	17	component	component	NOUN
fsr-3930	78	18	.	.	PUNCT
fsr-3930	79	1	297s.p	297s.p	X
fsr-3930	79	2	.	.	PUNCT
fsr-3930	80	1	fraser	fraser	PROPN
fsr-3930	80	2	et	et	PROPN
fsr-3930	80	3	al	al	PROPN
fsr-3930	80	4	.	.	PUNCT
fsr-3930	80	5	/	/	SYM
fsr-3930	80	6	financial	financial	ADJ
fsr-3930	80	7	services	service	NOUN
fsr-3930	80	8	review	review	VERB
fsr-3930	80	9	9	9	NUM
fsr-3930	80	10	(	(	PUNCT
fsr-3930	80	11	2000	2000	NUM
fsr-3930	80	12	)	)	PUNCT
fsr-3930	81	1	295–326	295–326	NUM
fsr-3930	81	2	inflation	inflation	NOUN
fsr-3930	81	3	offers	offer	VERB
fsr-3930	81	4	another	another	DET
fsr-3930	81	5	argument	argument	NOUN
fsr-3930	81	6	for	for	ADP
fsr-3930	81	7	including	include	VERB
fsr-3930	81	8	social	social	ADJ
fsr-3930	81	9	security	security	NOUN
fsr-3930	81	10	in	in	ADP
fsr-3930	81	11	the	the	DET
fsr-3930	81	12	portfolio	portfolio	NOUN
fsr-3930	81	13	.	.	PUNCT
fsr-3930	82	1	inflation	inflation	NOUN
fsr-3930	82	2	is	be	AUX
fsr-3930	82	3	a	a	DET
fsr-3930	82	4	big	big	ADJ
fsr-3930	82	5	risk	risk	NOUN
fsr-3930	82	6	to	to	ADP
fsr-3930	82	7	retirees	retiree	NOUN
fsr-3930	82	8	since	since	SCONJ
fsr-3930	82	9	they	they	PRON
fsr-3930	82	10	have	have	AUX
fsr-3930	82	11	limited	limit	VERB
fsr-3930	82	12	opportunities	opportunity	NOUN
fsr-3930	82	13	to	to	PART
fsr-3930	82	14	save	save	VERB
fsr-3930	82	15	more	more	ADJ
fsr-3930	82	16	,	,	PUNCT
fsr-3930	82	17	work	work	VERB
fsr-3930	82	18	longer	long	ADV
fsr-3930	82	19	or	or	CCONJ
fsr-3930	82	20	work	work	VERB
fsr-3930	82	21	harder	hard	ADV
fsr-3930	82	22	after	after	ADP
fsr-3930	82	23	an	an	DET
fsr-3930	82	24	inflationary	inflationary	ADJ
fsr-3930	82	25	period	period	NOUN
fsr-3930	82	26	.	.	PUNCT
fsr-3930	83	1	the	the	DET
fsr-3930	83	2	inflation	inflation	NOUN
fsr-3930	83	3	protection	protection	NOUN
fsr-3930	83	4	inherent	inherent	ADJ
fsr-3930	83	5	in	in	ADP
fsr-3930	83	6	social	social	ADJ
fsr-3930	83	7	security	security	NOUN
fsr-3930	83	8	has	have	AUX
fsr-3930	83	9	historically	historically	ADV
fsr-3930	83	10	been	be	AUX
fsr-3930	83	11	a	a	DET
fsr-3930	83	12	wealth	wealth	NOUN
fsr-3930	83	13	protector	protector	NOUN
fsr-3930	83	14	(	(	PUNCT
fsr-3930	83	15	dalio	dalio	NOUN
fsr-3930	83	16	&	&	CCONJ
fsr-3930	83	17	bernstein	bernstein	PROPN
fsr-3930	83	18	,	,	PUNCT
fsr-3930	83	19	1999	1999	NUM
fsr-3930	83	20	)	)	PUNCT
fsr-3930	83	21	.	.	PUNCT
fsr-3930	84	1	to	to	ADP
fsr-3930	84	2	the	the	DET
fsr-3930	84	3	extent	extent	NOUN
fsr-3930	84	4	that	that	SCONJ
fsr-3930	84	5	portfolios	portfolio	NOUN
fsr-3930	84	6	exist	exist	VERB
fsr-3930	84	7	for	for	ADP
fsr-3930	84	8	future	future	ADJ
fsr-3930	84	9	consumption	consumption	NOUN
fsr-3930	84	10	,	,	PUNCT
fsr-3930	84	11	social	social	ADJ
fsr-3930	84	12	security	security	NOUN
fsr-3930	84	13	’s	’s	PART
fsr-3930	84	14	inflation	inflation	NOUN
fsr-3930	84	15	protection	protection	NOUN
fsr-3930	84	16	suggests	suggest	VERB
fsr-3930	84	17	it	it	PRON
fsr-3930	84	18	be	be	AUX
fsr-3930	84	19	considered	consider	VERB
fsr-3930	84	20	part	part	NOUN
fsr-3930	84	21	of	of	ADP
fsr-3930	84	22	the	the	DET
fsr-3930	84	23	portfolio	portfolio	NOUN
fsr-3930	84	24	.	.	PUNCT
fsr-3930	85	1	counterarguments	counterargument	NOUN
fsr-3930	85	2	to	to	ADP
fsr-3930	85	3	including	include	VERB
fsr-3930	85	4	social	social	ADJ
fsr-3930	85	5	security	security	NOUN
fsr-3930	85	6	wealth	wealth	NOUN
fsr-3930	85	7	also	also	ADV
fsr-3930	85	8	exist	exist	VERB
fsr-3930	85	9	;	;	PUNCT
fsr-3930	85	10	one	one	NUM
fsr-3930	85	11	is	be	AUX
fsr-3930	85	12	simplicity	simplicity	NOUN
fsr-3930	85	13	.	.	PUNCT
fsr-3930	86	1	the	the	DET
fsr-3930	86	2	value	value	NOUN
fsr-3930	86	3	of	of	ADP
fsr-3930	86	4	social	social	ADJ
fsr-3930	86	5	security	security	NOUN
fsr-3930	86	6	benefits	benefit	NOUN
fsr-3930	86	7	relies	rely	VERB
fsr-3930	86	8	on	on	ADP
fsr-3930	86	9	many	many	ADJ
fsr-3930	86	10	hard	hard	ADJ
fsr-3930	86	11	-	-	PUNCT
fsr-3930	86	12	to	to	ADP
fsr-3930	86	13	-	-	PUNCT
fsr-3930	86	14	estimate	estimate	NOUN
fsr-3930	86	15	variables	variable	NOUN
fsr-3930	86	16	.	.	PUNCT
fsr-3930	87	1	however	however	ADV
fsr-3930	87	2	,	,	PUNCT
fsr-3930	87	3	simply	simply	ADV
fsr-3930	87	4	ignoring	ignore	VERB
fsr-3930	87	5	social	social	ADJ
fsr-3930	87	6	security	security	NOUN
fsr-3930	87	7	wealth	wealth	NOUN
fsr-3930	87	8	can	can	AUX
fsr-3930	87	9	hurt	hurt	VERB
fsr-3930	87	10	portfolio	portfolio	NOUN
fsr-3930	87	11	efficiency	efficiency	NOUN
fsr-3930	87	12	.	.	PUNCT
fsr-3930	88	1	another	another	DET
fsr-3930	88	2	counterargument	counterargument	NOUN
fsr-3930	88	3	is	be	AUX
fsr-3930	88	4	pessimism	pessimism	NOUN
fsr-3930	88	5	.	.	PUNCT
fsr-3930	89	1	planning	plan	VERB
fsr-3930	89	2	for	for	ADP
fsr-3930	89	3	the	the	DET
fsr-3930	89	4	worst	bad	ADJ
fsr-3930	89	5	can	can	AUX
fsr-3930	89	6	lead	lead	VERB
fsr-3930	89	7	to	to	ADP
fsr-3930	89	8	the	the	DET
fsr-3930	89	9	pleasant	pleasant	ADJ
fsr-3930	89	10	condition	condition	NOUN
fsr-3930	89	11	of	of	ADP
fsr-3930	89	12	having	have	VERB
fsr-3930	89	13	greater	great	ADJ
fsr-3930	89	14	retirement	retirement	NOUN
fsr-3930	89	15	wealth	wealth	NOUN
fsr-3930	89	16	than	than	SCONJ
fsr-3930	89	17	required	require	VERB
fsr-3930	89	18	.	.	PUNCT
fsr-3930	90	1	this	this	DET
fsr-3930	90	2	approach	approach	NOUN
fsr-3930	90	3	appeals	appeal	VERB
fsr-3930	90	4	to	to	ADP
fsr-3930	90	5	the	the	DET
fsr-3930	90	6	risk	risk	NOUN
fsr-3930	90	7	averse	averse	ADJ
fsr-3930	90	8	.	.	PUNCT
fsr-3930	91	1	however	however	ADV
fsr-3930	91	2	,	,	PUNCT
fsr-3930	91	3	the	the	DET
fsr-3930	91	4	pessimistic	pessimistic	ADJ
fsr-3930	91	5	approach	approach	NOUN
fsr-3930	91	6	ignores	ignore	VERB
fsr-3930	91	7	the	the	DET
fsr-3930	91	8	economic	economic	ADJ
fsr-3930	91	9	reality	reality	NOUN
fsr-3930	91	10	that	that	SCONJ
fsr-3930	91	11	a	a	DET
fsr-3930	91	12	suboptimal	suboptimal	ADJ
fsr-3930	91	13	risk	risk	NOUN
fsr-3930	91	14	-	-	PUNCT
fsr-3930	91	15	return	return	NOUN
fsr-3930	91	16	tradeoff	tradeoff	NOUN
fsr-3930	91	17	is	be	AUX
fsr-3930	91	18	a	a	DET
fsr-3930	91	19	disservice	disservice	NOUN
fsr-3930	91	20	to	to	ADP
fsr-3930	91	21	even	even	ADV
fsr-3930	91	22	the	the	DET
fsr-3930	91	23	most	most	ADJ
fsr-3930	91	24	risk	risk	NOUN
fsr-3930	91	25	-	-	PUNCT
fsr-3930	91	26	averse	averse	ADJ
fsr-3930	91	27	.	.	PUNCT
fsr-3930	92	1	the	the	DET
fsr-3930	92	2	most	most	ADV
fsr-3930	92	3	pessimistic	pessimistic	ADJ
fsr-3930	92	4	view	view	NOUN
fsr-3930	92	5	of	of	ADP
fsr-3930	92	6	social	social	ADJ
fsr-3930	92	7	security	security	NOUN
fsr-3930	92	8	is	be	AUX
fsr-3930	92	9	that	that	SCONJ
fsr-3930	92	10	the	the	DET
fsr-3930	92	11	system	system	NOUN
fsr-3930	92	12	will	will	AUX
fsr-3930	92	13	fail	fail	VERB
fsr-3930	92	14	before	before	ADP
fsr-3930	92	15	an	an	DET
fsr-3930	92	16	individual	individual	ADJ
fsr-3930	92	17	retires	retire	VERB
fsr-3930	92	18	.	.	PUNCT
fsr-3930	93	1	in	in	ADP
fsr-3930	93	2	response	response	NOUN
fsr-3930	93	3	,	,	PUNCT
fsr-3930	93	4	there	there	PRON
fsr-3930	93	5	are	be	VERB
fsr-3930	93	6	several	several	ADJ
fsr-3930	93	7	proposals	proposal	NOUN
fsr-3930	93	8	for	for	ADP
fsr-3930	93	9	social	social	ADJ
fsr-3930	93	10	security	security	NOUN
fsr-3930	93	11	reform	reform	NOUN
fsr-3930	93	12	including	include	VERB
fsr-3930	93	13	those	those	PRON
fsr-3930	93	14	that	that	PRON
fsr-3930	93	15	incorporate	incorporate	VERB
fsr-3930	93	16	elements	element	NOUN
fsr-3930	93	17	of	of	ADP
fsr-3930	93	18	privatization	privatization	NOUN
fsr-3930	93	19	.	.	PUNCT
fsr-3930	94	1	if	if	SCONJ
fsr-3930	94	2	that	that	PRON
fsr-3930	94	3	were	be	AUX
fsr-3930	94	4	to	to	PART
fsr-3930	94	5	occur	occur	VERB
fsr-3930	94	6	,	,	PUNCT
fsr-3930	94	7	the	the	DET
fsr-3930	94	8	system	system	NOUN
fsr-3930	94	9	would	would	AUX
fsr-3930	94	10	include	include	VERB
fsr-3930	94	11	asset	asset	NOUN
fsr-3930	94	12	accounts	account	NOUN
fsr-3930	94	13	that	that	PRON
fsr-3930	94	14	could	could	AUX
fsr-3930	94	15	hold	hold	VERB
fsr-3930	94	16	stocks	stock	NOUN
fsr-3930	94	17	and	and	CCONJ
fsr-3930	94	18	bonds	bond	NOUN
fsr-3930	94	19	.	.	PUNCT
fsr-3930	95	1	even	even	ADV
fsr-3930	95	2	partially	partially	ADV
fsr-3930	95	3	privatized	privatize	VERB
fsr-3930	95	4	social	social	ADJ
fsr-3930	95	5	security	security	NOUN
fsr-3930	95	6	has	have	VERB
fsr-3930	95	7	clear	clear	ADJ
fsr-3930	95	8	portfolio	portfolio	NOUN
fsr-3930	95	9	implications	implication	NOUN
fsr-3930	95	10	.	.	PUNCT
fsr-3930	96	1	alternative	alternative	ADJ
fsr-3930	96	2	reforms	reform	NOUN
fsr-3930	96	3	that	that	PRON
fsr-3930	96	4	are	be	AUX
fsr-3930	96	5	more	more	ADV
fsr-3930	96	6	needs	need	NOUN
fsr-3930	96	7	-	-	PUNCT
fsr-3930	96	8	based	base	VERB
fsr-3930	96	9	behave	behave	VERB
fsr-3930	96	10	like	like	ADP
fsr-3930	96	11	portfolio	portfolio	NOUN
fsr-3930	96	12	insurance	insurance	NOUN
fsr-3930	96	13	.	.	PUNCT
fsr-3930	97	1	if	if	SCONJ
fsr-3930	97	2	a	a	DET
fsr-3930	97	3	reformed	reform	VERB
fsr-3930	97	4	social	social	ADJ
fsr-3930	97	5	security	security	NOUN
fsr-3930	97	6	system	system	NOUN
fsr-3930	97	7	has	have	VERB
fsr-3930	97	8	portfolio	portfolio	NOUN
fsr-3930	97	9	management	management	NOUN
fsr-3930	97	10	implications	implication	NOUN
fsr-3930	97	11	,	,	PUNCT
fsr-3930	97	12	then	then	ADV
fsr-3930	97	13	the	the	DET
fsr-3930	97	14	current	current	ADJ
fsr-3930	97	15	social	social	ADJ
fsr-3930	97	16	security	security	NOUN
fsr-3930	97	17	should	should	AUX
fsr-3930	97	18	be	be	AUX
fsr-3930	97	19	included	include	VERB
fsr-3930	97	20	in	in	ADP
fsr-3930	97	21	portfolios	portfolio	NOUN
fsr-3930	97	22	as	as	ADV
fsr-3930	97	23	well	well	ADV
fsr-3930	97	24	.	.	PUNCT
fsr-3930	98	1	3	3	X
fsr-3930	98	2	.	.	X
fsr-3930	98	3	valuation	valuation	NOUN
fsr-3930	98	4	to	to	PART
fsr-3930	98	5	be	be	AUX
fsr-3930	98	6	included	include	VERB
fsr-3930	98	7	in	in	ADP
fsr-3930	98	8	a	a	DET
fsr-3930	98	9	portfolio	portfolio	NOUN
fsr-3930	98	10	,	,	PUNCT
fsr-3930	98	11	social	social	ADJ
fsr-3930	98	12	security	security	NOUN
fsr-3930	98	13	wealth	wealth	NOUN
fsr-3930	98	14	must	must	AUX
fsr-3930	98	15	be	be	AUX
fsr-3930	98	16	valued	value	VERB
fsr-3930	98	17	.	.	PUNCT
fsr-3930	99	1	to	to	PART
fsr-3930	99	2	value	value	VERB
fsr-3930	99	3	social	social	ADJ
fsr-3930	99	4	security	security	NOUN
fsr-3930	99	5	wealth	wealth	NOUN
fsr-3930	99	6	,	,	PUNCT
fsr-3930	99	7	we	we	PRON
fsr-3930	99	8	first	first	ADV
fsr-3930	99	9	discuss	discuss	VERB
fsr-3930	99	10	the	the	DET
fsr-3930	99	11	nature	nature	NOUN
fsr-3930	99	12	of	of	ADP
fsr-3930	99	13	social	social	ADJ
fsr-3930	99	14	security	security	NOUN
fsr-3930	99	15	benefits	benefit	NOUN
fsr-3930	99	16	.	.	PUNCT
fsr-3930	100	1	we	we	PRON
fsr-3930	100	2	then	then	ADV
fsr-3930	100	3	consider	consider	VERB
fsr-3930	100	4	our	our	PRON
fsr-3930	100	5	market	market	NOUN
fsr-3930	100	6	-	-	PUNCT
fsr-3930	100	7	based	base	VERB
fsr-3930	100	8	proxy	proxy	NOUN
fsr-3930	100	9	for	for	ADP
fsr-3930	100	10	social	social	ADJ
fsr-3930	100	11	security	security	NOUN
fsr-3930	100	12	cash	cash	NOUN
fsr-3930	100	13	flows	flow	NOUN
fsr-3930	100	14	—	—	PUNCT
fsr-3930	100	15	inflation	inflation	NOUN
fsr-3930	100	16	-	-	PUNCT
fsr-3930	100	17	indexed	index	VERB
fsr-3930	100	18	treasury	treasury	NOUN
fsr-3930	100	19	bonds	bond	NOUN
fsr-3930	100	20	—	—	PUNCT
fsr-3930	100	21	and	and	CCONJ
fsr-3930	100	22	draw	draw	VERB
fsr-3930	100	23	parallels	parallel	NOUN
fsr-3930	100	24	between	between	ADP
fsr-3930	100	25	the	the	DET
fsr-3930	100	26	two	two	NUM
fsr-3930	100	27	.	.	PUNCT
fsr-3930	101	1	finally	finally	ADV
fsr-3930	101	2	,	,	PUNCT
fsr-3930	101	3	we	we	PRON
fsr-3930	101	4	undertake	undertake	VERB
fsr-3930	101	5	the	the	DET
fsr-3930	101	6	actual	actual	ADJ
fsr-3930	101	7	valuation	valuation	NOUN
fsr-3930	101	8	.	.	PUNCT
fsr-3930	102	1	3.1	3.1	NUM
fsr-3930	102	2	.	.	PUNCT
fsr-3930	102	3	social	social	ADJ
fsr-3930	102	4	security	security	NOUN
fsr-3930	102	5	benefits	benefit	VERB
fsr-3930	102	6	the	the	DET
fsr-3930	102	7	social	social	ADJ
fsr-3930	102	8	security	security	NOUN
fsr-3930	102	9	act	act	NOUN
fsr-3930	102	10	encompasses	encompass	VERB
fsr-3930	102	11	numerous	numerous	ADJ
fsr-3930	102	12	social	social	ADJ
fsr-3930	102	13	insurance	insurance	NOUN
fsr-3930	102	14	programs	program	NOUN
fsr-3930	102	15	.	.	PUNCT
fsr-3930	103	1	this	this	DET
fsr-3930	103	2	paper	paper	NOUN
fsr-3930	103	3	focuses	focus	VERB
fsr-3930	103	4	only	only	ADV
fsr-3930	103	5	on	on	ADP
fsr-3930	103	6	its	its	PRON
fsr-3930	103	7	retirement	retirement	NOUN
fsr-3930	103	8	aspects	aspect	NOUN
fsr-3930	103	9	.	.	PUNCT
fsr-3930	104	1	for	for	ADP
fsr-3930	104	2	simplicity	simplicity	NOUN
fsr-3930	104	3	,	,	PUNCT
fsr-3930	104	4	we	we	PRON
fsr-3930	104	5	ignore	ignore	VERB
fsr-3930	104	6	other	other	ADJ
fsr-3930	104	7	aspects	aspect	NOUN
fsr-3930	104	8	of	of	ADP
fsr-3930	104	9	the	the	DET
fsr-3930	104	10	act	act	NOUN
fsr-3930	104	11	including	include	VERB
fsr-3930	104	12	nonspouse	nonspouse	PROPN
fsr-3930	104	13	survivor	survivor	NOUN
fsr-3930	104	14	benefits	benefit	NOUN
fsr-3930	104	15	,	,	PUNCT
fsr-3930	104	16	disability	disability	NOUN
fsr-3930	104	17	insurance	insurance	NOUN
fsr-3930	104	18	,	,	PUNCT
fsr-3930	104	19	death	death	NOUN
fsr-3930	104	20	benefits	benefit	NOUN
fsr-3930	104	21	,	,	PUNCT
fsr-3930	104	22	medicare	medicare	PROPN
fsr-3930	104	23	,	,	PUNCT
fsr-3930	104	24	unemployment	unemployment	NOUN
fsr-3930	104	25	insurance	insurance	NOUN
fsr-3930	104	26	,	,	PUNCT
fsr-3930	104	27	black	black	ADJ
fsr-3930	104	28	lung	lung	NOUN
fsr-3930	104	29	benefits	benefit	NOUN
fsr-3930	104	30	and	and	CCONJ
fsr-3930	104	31	supplemental	supplemental	ADJ
fsr-3930	104	32	security	security	NOUN
fsr-3930	104	33	income	income	NOUN
fsr-3930	104	34	.	.	PUNCT
fsr-3930	105	1	within	within	ADP
fsr-3930	105	2	the	the	DET
fsr-3930	105	3	retirement	retirement	NOUN
fsr-3930	105	4	aspects	aspect	NOUN
fsr-3930	105	5	,	,	PUNCT
fsr-3930	105	6	we	we	PRON
fsr-3930	105	7	consider	consider	VERB
fsr-3930	105	8	only	only	ADV
fsr-3930	105	9	the	the	DET
fsr-3930	105	10	old	old	ADJ
fsr-3930	105	11	age	age	NOUN
fsr-3930	105	12	and	and	CCONJ
fsr-3930	105	13	survivors	survivor	NOUN
fsr-3930	105	14	insurance	insurance	NOUN
fsr-3930	105	15	(	(	PUNCT
fsr-3930	105	16	oasi	oasi	PROPN
fsr-3930	105	17	)	)	PUNCT
fsr-3930	105	18	program	program	NOUN
fsr-3930	105	19	—	—	PUNCT
fsr-3930	105	20	and	and	CCONJ
fsr-3930	105	21	then	then	ADV
fsr-3930	105	22	only	only	ADV
fsr-3930	105	23	the	the	DET
fsr-3930	105	24	wage	wage	NOUN
fsr-3930	105	25	earner	earner	NOUN
fsr-3930	105	26	retirement	retirement	NOUN
fsr-3930	105	27	,	,	PUNCT
fsr-3930	105	28	spousal	spousal	NOUN
fsr-3930	105	29	retirement	retirement	NOUN
fsr-3930	105	30	and	and	CCONJ
fsr-3930	105	31	widow(er	widow(er	NOUN
fsr-3930	105	32	)	)	PUNCT
fsr-3930	105	33	retirement	retirement	NOUN
fsr-3930	105	34	benefits	benefit	NOUN
fsr-3930	105	35	.	.	PUNCT
fsr-3930	106	1	our	our	PRON
fsr-3930	106	2	approach	approach	NOUN
fsr-3930	106	3	is	be	AUX
fsr-3930	106	4	conservative	conservative	ADJ
fsr-3930	106	5	;	;	PUNCT
fsr-3930	106	6	considering	consider	VERB
fsr-3930	106	7	other	other	ADJ
fsr-3930	106	8	social	social	ADJ
fsr-3930	106	9	security	security	NOUN
fsr-3930	106	10	benefits	benefit	NOUN
fsr-3930	106	11	would	would	AUX
fsr-3930	106	12	increase	increase	VERB
fsr-3930	106	13	the	the	DET
fsr-3930	106	14	value	value	NOUN
fsr-3930	106	15	of	of	ADP
fsr-3930	106	16	social	social	ADJ
fsr-3930	106	17	security	security	NOUN
fsr-3930	106	18	benefits	benefit	NOUN
fsr-3930	106	19	and	and	CCONJ
fsr-3930	106	20	amplify	amplify	VERB
fsr-3930	106	21	any	any	DET
fsr-3930	106	22	impact	impact	NOUN
fsr-3930	106	23	of	of	ADP
fsr-3930	106	24	social	social	ADJ
fsr-3930	106	25	security	security	NOUN
fsr-3930	106	26	wealth	wealth	NOUN
fsr-3930	106	27	on	on	ADP
fsr-3930	106	28	asset	asset	NOUN
fsr-3930	106	29	allocation	allocation	NOUN
fsr-3930	106	30	.	.	PUNCT
fsr-3930	107	1	social	social	ADJ
fsr-3930	107	2	security	security	PROPN
fsr-3930	107	3	retirement	retirement	NOUN
fsr-3930	107	4	benefits	benefit	NOUN
fsr-3930	107	5	are	be	AUX
fsr-3930	107	6	available	available	ADJ
fsr-3930	107	7	to	to	ADP
fsr-3930	107	8	retired	retire	VERB
fsr-3930	107	9	insured	insure	VERB
fsr-3930	107	10	workers	worker	NOUN
fsr-3930	107	11	age	age	VERB
fsr-3930	107	12	62	62	NUM
fsr-3930	107	13	and	and	CCONJ
fsr-3930	107	14	over	over	ADV
fsr-3930	107	15	,	,	PUNCT
fsr-3930	107	16	the	the	DET
fsr-3930	107	17	spouse	spouse	NOUN
fsr-3930	107	18	(	(	PUNCT
fsr-3930	107	19	age	age	NOUN
fsr-3930	107	20	62	62	NUM
fsr-3930	107	21	and	and	CCONJ
fsr-3930	107	22	over	over	ADV
fsr-3930	107	23	)	)	PUNCT
fsr-3930	107	24	of	of	ADP
fsr-3930	107	25	retired	retire	VERB
fsr-3930	107	26	insured	insured	ADJ
fsr-3930	107	27	workers	worker	NOUN
fsr-3930	107	28	and	and	CCONJ
fsr-3930	107	29	the	the	DET
fsr-3930	107	30	surviving	surviving	NOUN
fsr-3930	107	31	spouse	spouse	NOUN
fsr-3930	107	32	(	(	PUNCT
fsr-3930	107	33	age	age	NOUN
fsr-3930	107	34	60	60	NUM
fsr-3930	107	35	and	and	CCONJ
fsr-3930	107	36	over	over	ADV
fsr-3930	107	37	)	)	PUNCT
fsr-3930	107	38	of	of	ADP
fsr-3930	107	39	a	a	DET
fsr-3930	107	40	deceased	deceased	ADJ
fsr-3930	107	41	insured	insure	VERB
fsr-3930	107	42	worker	worker	NOUN
fsr-3930	107	43	.	.	PUNCT
fsr-3930	108	1	almost	almost	ADV
fsr-3930	108	2	everyone	everyone	PRON
fsr-3930	108	3	in	in	ADP
fsr-3930	108	4	these	these	DET
fsr-3930	108	5	age	age	NOUN
fsr-3930	108	6	groups	group	NOUN
fsr-3930	108	7	is	be	AUX
fsr-3930	108	8	included	include	VERB
fsr-3930	108	9	—	—	PUNCT
fsr-3930	108	10	social	social	ADJ
fsr-3930	108	11	security	security	NOUN
fsr-3930	108	12	excludes	exclude	VERB
fsr-3930	108	13	only	only	ADV
fsr-3930	108	14	pre-1984	pre-1984	PROPN
fsr-3930	108	15	federal	federal	ADJ
fsr-3930	108	16	workers	worker	NOUN
fsr-3930	108	17	,	,	PUNCT
fsr-3930	108	18	some	some	DET
fsr-3930	108	19	state	state	NOUN
fsr-3930	108	20	employees	employee	NOUN
fsr-3930	108	21	,	,	PUNCT
fsr-3930	108	22	election	election	NOUN
fsr-3930	108	23	officials	official	NOUN
fsr-3930	108	24	,	,	PUNCT
fsr-3930	108	25	298	298	NUM
fsr-3930	108	26	s.p	s.p	PROPN
fsr-3930	108	27	.	.	PROPN
fsr-3930	108	28	fraser	fraser	PROPN
fsr-3930	108	29	et	et	PROPN
fsr-3930	108	30	al	al	PROPN
fsr-3930	108	31	.	.	PUNCT
fsr-3930	108	32	/	/	SYM
fsr-3930	108	33	financial	financial	ADJ
fsr-3930	108	34	services	service	NOUN
fsr-3930	108	35	review	review	VERB
fsr-3930	108	36	9	9	NUM
fsr-3930	108	37	(	(	PUNCT
fsr-3930	108	38	2000	2000	NUM
fsr-3930	108	39	)	)	PUNCT
fsr-3930	109	1	295–326	295–326	NUM
fsr-3930	109	2	railroad	railroad	NOUN
fsr-3930	109	3	employees	employee	NOUN
fsr-3930	109	4	,	,	PUNCT
fsr-3930	109	5	student	student	NOUN
fsr-3930	109	6	nurses	nurse	NOUN
fsr-3930	109	7	,	,	PUNCT
fsr-3930	109	8	paperboys	paperboy	NOUN
fsr-3930	109	9	and	and	CCONJ
fsr-3930	109	10	girls	girl	NOUN
fsr-3930	109	11	,	,	PUNCT
fsr-3930	109	12	clergy	clergy	NOUN
fsr-3930	109	13	who	who	PRON
fsr-3930	109	14	opt	opt	VERB
fsr-3930	109	15	out	out	ADP
fsr-3930	109	16	,	,	PUNCT
fsr-3930	109	17	and	and	CCONJ
fsr-3930	109	18	members	member	NOUN
fsr-3930	109	19	of	of	ADP
fsr-3930	109	20	certain	certain	ADJ
fsr-3930	109	21	religious	religious	ADJ
fsr-3930	109	22	sects	sect	NOUN
fsr-3930	109	23	like	like	ADP
fsr-3930	109	24	the	the	DET
fsr-3930	109	25	old	old	ADJ
fsr-3930	109	26	order	order	NOUN
fsr-3930	109	27	amish	amish	PROPN
fsr-3930	109	28	.	.	PUNCT
fsr-3930	110	1	a	a	DET
fsr-3930	110	2	worker	worker	NOUN
fsr-3930	110	3	becomes	becomes	AUX
fsr-3930	110	4	fully	fully	ADV
fsr-3930	110	5	insured	insure	VERB
fsr-3930	110	6	after	after	ADP
fsr-3930	110	7	40	40	NUM
fsr-3930	110	8	quarters	quarter	NOUN
fsr-3930	110	9	of	of	ADP
fsr-3930	110	10	earning	earn	VERB
fsr-3930	110	11	a	a	DET
fsr-3930	110	12	minimal	minimal	ADJ
fsr-3930	110	13	amount	amount	NOUN
fsr-3930	110	14	(	(	PUNCT
fsr-3930	110	15	indexed	index	VERB
fsr-3930	110	16	to	to	ADP
fsr-3930	110	17	$	$	SYM
fsr-3930	110	18	3,120	3,120	NUM
fsr-3930	110	19	annually	annually	ADV
fsr-3930	110	20	in	in	ADP
fsr-3930	110	21	2000	2000	NUM
fsr-3930	110	22	)	)	PUNCT
fsr-3930	110	23	.	.	PUNCT
fsr-3930	111	1	full	full	ADJ
fsr-3930	111	2	retirement	retirement	NOUN
fsr-3930	111	3	age	age	NOUN
fsr-3930	111	4	was	be	AUX
fsr-3930	111	5	65	65	NUM
fsr-3930	111	6	,	,	PUNCT
fsr-3930	111	7	but	but	CCONJ
fsr-3930	111	8	began	begin	VERB
fsr-3930	111	9	rising	rise	VERB
fsr-3930	111	10	in	in	ADP
fsr-3930	111	11	2000	2000	NUM
fsr-3930	111	12	and	and	CCONJ
fsr-3930	111	13	will	will	AUX
fsr-3930	111	14	reach	reach	VERB
fsr-3930	111	15	age	age	NOUN
fsr-3930	111	16	67	67	NUM
fsr-3930	111	17	in	in	ADP
fsr-3930	111	18	2020	2020	NUM
fsr-3930	111	19	.	.	PUNCT
fsr-3930	112	1	(	(	PUNCT
fsr-3930	112	2	full	full	ADJ
fsr-3930	112	3	retirement	retirement	NOUN
fsr-3930	112	4	age	age	NOUN
fsr-3930	112	5	is	be	AUX
fsr-3930	112	6	based	base	VERB
fsr-3930	112	7	on	on	ADP
fsr-3930	112	8	year	year	NOUN
fsr-3930	112	9	of	of	ADP
fsr-3930	112	10	birth	birth	NOUN
fsr-3930	112	11	;	;	PUNCT
fsr-3930	112	12	details	detail	NOUN
fsr-3930	112	13	are	be	AUX
fsr-3930	112	14	in	in	ADP
fsr-3930	112	15	thomas	thomas	PROPN
fsr-3930	112	16	(	(	PUNCT
fsr-3930	112	17	1999	1999	NUM
fsr-3930	112	18	,	,	PUNCT
fsr-3930	112	19	p.	p.	NOUN
fsr-3930	112	20	76	76	NUM
fsr-3930	112	21	)	)	PUNCT
fsr-3930	112	22	.	.	PUNCT
fsr-3930	112	23	)	)	PUNCT
fsr-3930	113	1	reduced	reduce	VERB
fsr-3930	113	2	retirement	retirement	NOUN
fsr-3930	113	3	benefits	benefit	NOUN
fsr-3930	113	4	are	be	AUX
fsr-3930	113	5	,	,	PUNCT
fsr-3930	113	6	and	and	CCONJ
fsr-3930	113	7	will	will	AUX
fsr-3930	113	8	continue	continue	VERB
fsr-3930	113	9	to	to	PART
fsr-3930	113	10	be	be	AUX
fsr-3930	113	11	,	,	PUNCT
fsr-3930	113	12	available	available	ADJ
fsr-3930	113	13	at	at	ADP
fsr-3930	113	14	age	age	NOUN
fsr-3930	113	15	62	62	NUM
fsr-3930	113	16	.	.	PUNCT
fsr-3930	114	1	such	such	ADJ
fsr-3930	114	2	reduced	reduced	ADJ
fsr-3930	114	3	benefits	benefit	NOUN
fsr-3930	114	4	were	be	AUX
fsr-3930	114	5	80	80	NUM
fsr-3930	114	6	%	%	NOUN
fsr-3930	114	7	of	of	ADP
fsr-3930	114	8	the	the	DET
fsr-3930	114	9	primary	primary	ADJ
fsr-3930	114	10	insurance	insurance	NOUN
fsr-3930	114	11	amount	amount	NOUN
fsr-3930	114	12	(	(	PUNCT
fsr-3930	114	13	pia	pia	PROPN
fsr-3930	114	14	)	)	PUNCT
fsr-3930	114	15	in	in	ADP
fsr-3930	114	16	1999	1999	NUM
fsr-3930	114	17	and	and	CCONJ
fsr-3930	114	18	gradually	gradually	ADV
fsr-3930	114	19	decline	decline	VERB
fsr-3930	114	20	to	to	ADP
fsr-3930	114	21	70	70	NUM
fsr-3930	114	22	%	%	NOUN
fsr-3930	114	23	when	when	SCONJ
fsr-3930	114	24	the	the	DET
fsr-3930	114	25	full	full	ADJ
fsr-3930	114	26	retirement	retirement	NOUN
fsr-3930	114	27	age	age	NOUN
fsr-3930	114	28	is	be	AUX
fsr-3930	114	29	67	67	NUM
fsr-3930	114	30	.	.	PUNCT
fsr-3930	115	1	if	if	SCONJ
fsr-3930	115	2	an	an	DET
fsr-3930	115	3	individual	individual	NOUN
fsr-3930	115	4	continues	continue	VERB
fsr-3930	115	5	to	to	PART
fsr-3930	115	6	work	work	VERB
fsr-3930	115	7	past	past	ADP
fsr-3930	115	8	full	full	ADJ
fsr-3930	115	9	retirement	retirement	NOUN
fsr-3930	115	10	age	age	NOUN
fsr-3930	115	11	,	,	PUNCT
fsr-3930	115	12	social	social	ADJ
fsr-3930	115	13	security	security	NOUN
fsr-3930	115	14	benefits	benefit	NOUN
fsr-3930	115	15	increase	increase	NOUN
fsr-3930	115	16	.	.	PUNCT
fsr-3930	116	1	a	a	DET
fsr-3930	116	2	piecewise	piecewise	NOUN
fsr-3930	116	3	linear	linear	NOUN
fsr-3930	116	4	function	function	NOUN
fsr-3930	116	5	of	of	ADP
fsr-3930	116	6	the	the	DET
fsr-3930	116	7	average	average	ADJ
fsr-3930	116	8	indexed	indexed	ADJ
fsr-3930	116	9	monthly	monthly	ADJ
fsr-3930	116	10	earnings	earning	NOUN
fsr-3930	116	11	(	(	PUNCT
fsr-3930	116	12	aime	aime	NOUN
fsr-3930	116	13	)	)	PUNCT
fsr-3930	116	14	credited	credit	VERB
fsr-3930	116	15	to	to	ADP
fsr-3930	116	16	a	a	DET
fsr-3930	116	17	worker	worker	NOUN
fsr-3930	116	18	’s	’s	PART
fsr-3930	116	19	account	account	NOUN
fsr-3930	116	20	determines	determine	VERB
fsr-3930	116	21	the	the	DET
fsr-3930	116	22	pia	pia	PROPN
fsr-3930	116	23	benefit	benefit	NOUN
fsr-3930	116	24	amount	amount	NOUN
fsr-3930	116	25	.	.	PUNCT
fsr-3930	117	1	in	in	ADP
fsr-3930	117	2	2000	2000	NUM
fsr-3930	117	3	,	,	PUNCT
fsr-3930	117	4	the	the	DET
fsr-3930	117	5	pia	pia	PROPN
fsr-3930	117	6	consists	consist	VERB
fsr-3930	117	7	of	of	ADP
fsr-3930	117	8	90	90	NUM
fsr-3930	117	9	%	%	NOUN
fsr-3930	117	10	of	of	ADP
fsr-3930	117	11	the	the	DET
fsr-3930	117	12	first	first	ADJ
fsr-3930	117	13	$	$	SYM
fsr-3930	117	14	531	531	NUM
fsr-3930	117	15	of	of	ADP
fsr-3930	117	16	aime	aime	NOUN
fsr-3930	117	17	,	,	PUNCT
fsr-3930	117	18	32	32	NUM
fsr-3930	117	19	%	%	NOUN
fsr-3930	117	20	of	of	ADP
fsr-3930	117	21	the	the	DET
fsr-3930	117	22	next	next	ADJ
fsr-3930	117	23	$	$	SYM
fsr-3930	117	24	2,671	2,671	NUM
fsr-3930	117	25	of	of	ADP
fsr-3930	117	26	aime	aime	NOUN
fsr-3930	117	27	and	and	CCONJ
fsr-3930	117	28	15	15	NUM
fsr-3930	117	29	%	%	NOUN
fsr-3930	117	30	of	of	ADP
fsr-3930	117	31	aime	aime	NOUN
fsr-3930	117	32	above	above	ADP
fsr-3930	117	33	that	that	PRON
fsr-3930	117	34	.	.	PUNCT
fsr-3930	118	1	aime	aime	PROPN
fsr-3930	118	2	adjusts	adjust	VERB
fsr-3930	118	3	a	a	DET
fsr-3930	118	4	worker	worker	NOUN
fsr-3930	118	5	’s	’s	PART
fsr-3930	118	6	historical	historical	ADJ
fsr-3930	118	7	wages	wage	NOUN
fsr-3930	118	8	for	for	ADP
fsr-3930	118	9	average	average	ADJ
fsr-3930	118	10	wage	wage	NOUN
fsr-3930	118	11	inflation	inflation	NOUN
fsr-3930	118	12	.	.	PUNCT
fsr-3930	119	1	the	the	DET
fsr-3930	119	2	maximum	maximum	ADJ
fsr-3930	119	3	earnings	earning	NOUN
fsr-3930	119	4	credited	credit	VERB
fsr-3930	119	5	to	to	ADP
fsr-3930	119	6	an	an	DET
fsr-3930	119	7	account	account	NOUN
fsr-3930	119	8	is	be	AUX
fsr-3930	119	9	the	the	DET
fsr-3930	119	10	maximum	maximum	ADJ
fsr-3930	119	11	amount	amount	NOUN
fsr-3930	119	12	subject	subject	ADJ
fsr-3930	119	13	to	to	ADP
fsr-3930	119	14	social	social	ADJ
fsr-3930	119	15	security	security	NOUN
fsr-3930	119	16	tax	tax	NOUN
fsr-3930	119	17	(	(	PUNCT
fsr-3930	119	18	indexed	index	VERB
fsr-3930	119	19	to	to	ADP
fsr-3930	119	20	$	$	SYM
fsr-3930	119	21	76,200	76,200	NUM
fsr-3930	119	22	in	in	ADP
fsr-3930	119	23	2000	2000	NUM
fsr-3930	119	24	)	)	PUNCT
fsr-3930	119	25	,	,	PUNCT
fsr-3930	119	26	so	so	ADV
fsr-3930	119	27	earning	earn	VERB
fsr-3930	119	28	more	more	ADJ
fsr-3930	119	29	than	than	SCONJ
fsr-3930	119	30	that	that	DET
fsr-3930	119	31	maximum	maximum	NOUN
fsr-3930	119	32	does	do	AUX
fsr-3930	119	33	not	not	PART
fsr-3930	119	34	increase	increase	VERB
fsr-3930	119	35	benefits	benefit	NOUN
fsr-3930	119	36	.	.	PUNCT
fsr-3930	120	1	the	the	DET
fsr-3930	120	2	maximum	maximum	ADJ
fsr-3930	120	3	monthly	monthly	ADJ
fsr-3930	120	4	pia	pia	NOUN
fsr-3930	120	5	a	a	DET
fsr-3930	120	6	worker	worker	NOUN
fsr-3930	120	7	may	may	AUX
fsr-3930	120	8	receive	receive	VERB
fsr-3930	120	9	is	be	AUX
fsr-3930	120	10	$	$	SYM
fsr-3930	120	11	1,433	1,433	NUM
fsr-3930	120	12	in	in	ADP
fsr-3930	120	13	2000	2000	NUM
fsr-3930	120	14	.	.	PUNCT
fsr-3930	121	1	spouses	spouse	NOUN
fsr-3930	121	2	of	of	ADP
fsr-3930	121	3	insured	insured	ADJ
fsr-3930	121	4	workers	worker	NOUN
fsr-3930	121	5	are	be	AUX
fsr-3930	121	6	entitled	entitle	VERB
fsr-3930	121	7	to	to	ADP
fsr-3930	121	8	the	the	DET
fsr-3930	121	9	greater	great	ADJ
fsr-3930	121	10	of	of	ADP
fsr-3930	121	11	their	their	PRON
fsr-3930	121	12	own	own	ADJ
fsr-3930	121	13	pia	pia	NOUN
fsr-3930	121	14	or	or	CCONJ
fsr-3930	121	15	one	one	NUM
fsr-3930	121	16	-	-	PUNCT
fsr-3930	121	17	half	half	NOUN
fsr-3930	121	18	of	of	ADP
fsr-3930	121	19	the	the	DET
fsr-3930	121	20	worker	worker	NOUN
fsr-3930	121	21	’s	’s	PART
fsr-3930	121	22	pia	pia	PROPN
fsr-3930	121	23	.	.	PUNCT
fsr-3930	122	1	a	a	DET
fsr-3930	122	2	widow(er	widow(er	NOUN
fsr-3930	122	3	)	)	PUNCT
fsr-3930	122	4	past	past	ADP
fsr-3930	122	5	full	full	ADJ
fsr-3930	122	6	retirement	retirement	NOUN
fsr-3930	122	7	age	age	NOUN
fsr-3930	122	8	is	be	AUX
fsr-3930	122	9	entitled	entitle	VERB
fsr-3930	122	10	to	to	ADP
fsr-3930	122	11	100	100	NUM
fsr-3930	122	12	%	%	NOUN
fsr-3930	122	13	of	of	ADP
fsr-3930	122	14	the	the	DET
fsr-3930	122	15	worker	worker	NOUN
fsr-3930	122	16	’s	’s	PART
fsr-3930	122	17	pia	pia	PROPN
fsr-3930	122	18	although	although	SCONJ
fsr-3930	122	19	reductions	reduction	NOUN
fsr-3930	122	20	similar	similar	ADJ
fsr-3930	122	21	to	to	ADP
fsr-3930	122	22	those	those	PRON
fsr-3930	122	23	for	for	ADP
fsr-3930	122	24	early	early	ADJ
fsr-3930	122	25	retirement	retirement	NOUN
fsr-3930	122	26	are	be	AUX
fsr-3930	122	27	available	available	ADJ
fsr-3930	122	28	after	after	ADP
fsr-3930	122	29	age	age	NOUN
fsr-3930	122	30	60	60	NUM
fsr-3930	122	31	.	.	PUNCT
fsr-3930	123	1	social	social	ADJ
fsr-3930	123	2	security	security	NOUN
fsr-3930	123	3	benefits	benefit	NOUN
fsr-3930	123	4	may	may	AUX
fsr-3930	123	5	be	be	AUX
fsr-3930	123	6	subject	subject	ADJ
fsr-3930	123	7	to	to	ADP
fsr-3930	123	8	income	income	NOUN
fsr-3930	123	9	tax	tax	NOUN
fsr-3930	123	10	.	.	PUNCT
fsr-3930	124	1	if	if	SCONJ
fsr-3930	124	2	social	social	ADJ
fsr-3930	124	3	security	security	NOUN
fsr-3930	124	4	is	be	AUX
fsr-3930	124	5	the	the	DET
fsr-3930	124	6	only	only	ADJ
fsr-3930	124	7	source	source	NOUN
fsr-3930	124	8	of	of	ADP
fsr-3930	124	9	income	income	NOUN
fsr-3930	124	10	,	,	PUNCT
fsr-3930	124	11	benefits	benefit	NOUN
fsr-3930	124	12	are	be	AUX
fsr-3930	124	13	generally	generally	ADV
fsr-3930	124	14	tax	tax	NOUN
fsr-3930	124	15	-	-	PUNCT
fsr-3930	124	16	exempt	exempt	ADJ
fsr-3930	124	17	.	.	PUNCT
fsr-3930	125	1	if	if	SCONJ
fsr-3930	125	2	annual	annual	ADJ
fsr-3930	125	3	taxable	taxable	ADJ
fsr-3930	125	4	income	income	NOUN
fsr-3930	125	5	for	for	ADP
fsr-3930	125	6	2000	2000	NUM
fsr-3930	125	7	(	(	PUNCT
fsr-3930	125	8	including	include	VERB
fsr-3930	125	9	tax	tax	NOUN
fsr-3930	125	10	-	-	PUNCT
fsr-3930	125	11	exempt	exempt	ADJ
fsr-3930	125	12	interest	interest	NOUN
fsr-3930	125	13	)	)	PUNCT
fsr-3930	125	14	is	be	AUX
fsr-3930	125	15	greater	great	ADJ
fsr-3930	125	16	than	than	ADP
fsr-3930	125	17	$	$	SYM
fsr-3930	125	18	34,000	34,000	NUM
fsr-3930	125	19	if	if	SCONJ
fsr-3930	125	20	single	single	ADJ
fsr-3930	125	21	or	or	CCONJ
fsr-3930	125	22	$	$	SYM
fsr-3930	125	23	44,000	44,000	NUM
fsr-3930	125	24	if	if	ADV
fsr-3930	125	25	married	marry	VERB
fsr-3930	125	26	,	,	PUNCT
fsr-3930	125	27	85	85	NUM
fsr-3930	125	28	%	%	NOUN
fsr-3930	125	29	of	of	ADP
fsr-3930	125	30	the	the	DET
fsr-3930	125	31	benefits	benefit	NOUN
fsr-3930	125	32	are	be	AUX
fsr-3930	125	33	taxable	taxable	ADJ
fsr-3930	125	34	.	.	PUNCT
fsr-3930	126	1	all	all	DET
fsr-3930	126	2	social	social	ADJ
fsr-3930	126	3	security	security	NOUN
fsr-3930	126	4	benefits	benefit	NOUN
fsr-3930	126	5	can	can	AUX
fsr-3930	126	6	be	be	AUX
fsr-3930	126	7	lost	lose	VERB
fsr-3930	126	8	if	if	SCONJ
fsr-3930	126	9	the	the	DET
fsr-3930	126	10	recipient	recipient	NOUN
fsr-3930	126	11	keeps	keep	VERB
fsr-3930	126	12	working	work	VERB
fsr-3930	126	13	and	and	CCONJ
fsr-3930	126	14	has	have	VERB
fsr-3930	126	15	annual	annual	ADJ
fsr-3930	126	16	wage	wage	NOUN
fsr-3930	126	17	income	income	NOUN
fsr-3930	126	18	above	above	ADP
fsr-3930	126	19	certain	certain	ADJ
fsr-3930	126	20	thresholds	threshold	NOUN
fsr-3930	126	21	(	(	PUNCT
fsr-3930	126	22	e.g.	e.g.	ADV
fsr-3930	126	23	,	,	PUNCT
fsr-3930	126	24	$	$	SYM
fsr-3930	126	25	10,080	10,080	NUM
fsr-3930	126	26	if	if	SCONJ
fsr-3930	126	27	under	under	ADP
fsr-3930	126	28	full	full	ADJ
fsr-3930	126	29	retirement	retirement	NOUN
fsr-3930	126	30	age	age	NOUN
fsr-3930	126	31	)	)	PUNCT
fsr-3930	126	32	.	.	PUNCT
fsr-3930	127	1	note	note	VERB
fsr-3930	127	2	that	that	SCONJ
fsr-3930	127	3	the	the	DET
fsr-3930	127	4	senior	senior	ADJ
fsr-3930	127	5	citizens	citizen	NOUN
fsr-3930	127	6	’	’	PART
fsr-3930	127	7	freedom	freedom	NOUN
fsr-3930	127	8	to	to	PART
fsr-3930	127	9	work	work	VERB
fsr-3930	127	10	act	act	NOUN
fsr-3930	127	11	of	of	ADP
fsr-3930	127	12	2000	2000	NUM
fsr-3930	127	13	only	only	ADV
fsr-3930	127	14	eliminated	eliminate	VERB
fsr-3930	127	15	the	the	DET
fsr-3930	127	16	retirement	retirement	NOUN
fsr-3930	127	17	earnings	earning	NOUN
fsr-3930	127	18	test	test	NOUN
fsr-3930	127	19	for	for	ADP
fsr-3930	127	20	individuals	individual	NOUN
fsr-3930	127	21	aged	age	VERB
fsr-3930	127	22	65–69	65–69	NUM
fsr-3930	127	23	.	.	PUNCT
fsr-3930	128	1	additionally	additionally	ADV
fsr-3930	128	2	,	,	PUNCT
fsr-3930	128	3	social	social	ADJ
fsr-3930	128	4	security	security	NOUN
fsr-3930	128	5	benefits	benefit	NOUN
fsr-3930	128	6	are	be	AUX
fsr-3930	128	7	effectively	effectively	ADV
fsr-3930	128	8	lost	lose	VERB
fsr-3930	128	9	if	if	SCONJ
fsr-3930	128	10	the	the	DET
fsr-3930	128	11	worker	worker	NOUN
fsr-3930	128	12	’s	’s	PART
fsr-3930	128	13	other	other	ADJ
fsr-3930	128	14	pensions	pension	NOUN
fsr-3930	128	15	are	be	AUX
fsr-3930	128	16	coordinated	coordinate	VERB
fsr-3930	128	17	with	with	ADP
fsr-3930	128	18	social	social	ADJ
fsr-3930	128	19	security	security	NOUN
fsr-3930	128	20	(	(	PUNCT
fsr-3930	128	21	as	as	ADP
fsr-3930	128	22	with	with	ADP
fsr-3930	128	23	the	the	DET
fsr-3930	128	24	federal	federal	ADJ
fsr-3930	128	25	employee	employee	NOUN
fsr-3930	128	26	’s	’s	PART
fsr-3930	128	27	retirement	retirement	NOUN
fsr-3930	128	28	system	system	NOUN
fsr-3930	128	29	and	and	CCONJ
fsr-3930	128	30	some	some	DET
fsr-3930	128	31	private	private	ADJ
fsr-3930	128	32	pensions	pension	NOUN
fsr-3930	128	33	)	)	PUNCT
fsr-3930	128	34	.	.	PUNCT
fsr-3930	129	1	thomas	thomas	PROPN
fsr-3930	129	2	(	(	PUNCT
fsr-3930	129	3	1999	1999	NUM
fsr-3930	129	4	)	)	PUNCT
fsr-3930	129	5	provides	provide	VERB
fsr-3930	129	6	additional	additional	ADJ
fsr-3930	129	7	detail	detail	NOUN
fsr-3930	129	8	about	about	ADP
fsr-3930	129	9	social	social	ADJ
fsr-3930	129	10	security	security	NOUN
fsr-3930	129	11	.	.	PUNCT
fsr-3930	130	1	3.2	3.2	NUM
fsr-3930	130	2	.	.	PUNCT
fsr-3930	131	1	inflation	inflation	NOUN
fsr-3930	131	2	-	-	PUNCT
fsr-3930	131	3	indexed	index	VERB
fsr-3930	131	4	treasury	treasury	NOUN
fsr-3930	131	5	securities	security	NOUN
fsr-3930	131	6	we	we	PRON
fsr-3930	131	7	use	use	VERB
fsr-3930	131	8	treasury	treasury	NOUN
fsr-3930	131	9	securities	security	NOUN
fsr-3930	131	10	as	as	ADP
fsr-3930	131	11	our	our	PRON
fsr-3930	131	12	market	market	NOUN
fsr-3930	131	13	-	-	PUNCT
fsr-3930	131	14	based	base	VERB
fsr-3930	131	15	proxy	proxy	NOUN
fsr-3930	131	16	for	for	ADP
fsr-3930	131	17	valuing	value	VERB
fsr-3930	131	18	social	social	ADJ
fsr-3930	131	19	security	security	NOUN
fsr-3930	131	20	wealth	wealth	NOUN
fsr-3930	131	21	.	.	PUNCT
fsr-3930	132	1	treasury	treasury	PROPN
fsr-3930	132	2	securities	security	NOUN
fsr-3930	132	3	,	,	PUNCT
fsr-3930	132	4	and	and	CCONJ
fsr-3930	132	5	specifically	specifically	ADV
fsr-3930	132	6	treasury	treasury	VERB
fsr-3930	132	7	inflation	inflation	NOUN
fsr-3930	132	8	protection	protection	NOUN
fsr-3930	132	9	securities	security	NOUN
fsr-3930	132	10	(	(	PUNCT
fsr-3930	132	11	tips	tip	NOUN
fsr-3930	132	12	)	)	PUNCT
fsr-3930	132	13	,	,	PUNCT
fsr-3930	132	14	are	be	AUX
fsr-3930	132	15	appropriate	appropriate	ADJ
fsr-3930	132	16	for	for	ADP
fsr-3930	132	17	two	two	NUM
fsr-3930	132	18	reasons	reason	NOUN
fsr-3930	132	19	.	.	PUNCT
fsr-3930	133	1	first	first	ADV
fsr-3930	133	2	,	,	PUNCT
fsr-3930	133	3	both	both	DET
fsr-3930	133	4	social	social	ADJ
fsr-3930	133	5	security	security	NOUN
fsr-3930	133	6	and	and	CCONJ
fsr-3930	133	7	tips	tip	NOUN
fsr-3930	133	8	are	be	AUX
fsr-3930	133	9	senior	senior	ADJ
fsr-3930	133	10	federal	federal	ADJ
fsr-3930	133	11	obligations	obligation	NOUN
fsr-3930	133	12	effectively	effectively	ADV
fsr-3930	133	13	backed	back	VERB
fsr-3930	133	14	by	by	ADP
fsr-3930	133	15	the	the	DET
fsr-3930	133	16	full	full	ADJ
fsr-3930	133	17	faith	faith	NOUN
fsr-3930	133	18	and	and	CCONJ
fsr-3930	133	19	credit	credit	NOUN
fsr-3930	133	20	of	of	ADP
fsr-3930	133	21	the	the	DET
fsr-3930	133	22	government	government	NOUN
fsr-3930	133	23	.	.	PUNCT
fsr-3930	134	1	second	second	ADJ
fsr-3930	134	2	,	,	PUNCT
fsr-3930	134	3	tips	tip	NOUN
fsr-3930	134	4	are	be	AUX
fsr-3930	134	5	appropriate	appropriate	ADJ
fsr-3930	134	6	because	because	SCONJ
fsr-3930	134	7	they	they	PRON
fsr-3930	134	8	distribute	distribute	VERB
fsr-3930	134	9	cash	cash	NOUN
fsr-3930	134	10	flows	flow	NOUN
fsr-3930	134	11	indexed	index	VERB
fsr-3930	134	12	to	to	ADP
fsr-3930	134	13	inflation	inflation	NOUN
fsr-3930	134	14	(	(	PUNCT
fsr-3930	134	15	i.e.	i.e.	X
fsr-3930	134	16	,	,	PUNCT
fsr-3930	134	17	that	that	PRON
fsr-3930	134	18	are	be	AUX
fsr-3930	134	19	constant	constant	ADJ
fsr-3930	134	20	real	real	ADJ
fsr-3930	134	21	payments	payment	NOUN
fsr-3930	134	22	)	)	PUNCT
fsr-3930	134	23	.	.	PUNCT
fsr-3930	135	1	although	although	SCONJ
fsr-3930	135	2	the	the	DET
fsr-3930	135	3	future	future	NOUN
fsr-3930	135	4	of	of	ADP
fsr-3930	135	5	social	social	ADJ
fsr-3930	135	6	security	security	NOUN
fsr-3930	135	7	is	be	AUX
fsr-3930	135	8	the	the	DET
fsr-3930	135	9	subject	subject	NOUN
fsr-3930	135	10	of	of	ADP
fsr-3930	135	11	much	much	ADJ
fsr-3930	135	12	speculation	speculation	NOUN
fsr-3930	135	13	,	,	PUNCT
fsr-3930	135	14	it	it	PRON
fsr-3930	135	15	can	can	AUX
fsr-3930	135	16	be	be	AUX
fsr-3930	135	17	valued	value	VERB
fsr-3930	135	18	with	with	ADP
fsr-3930	135	19	sufficient	sufficient	ADJ
fsr-3930	135	20	detail	detail	NOUN
fsr-3930	135	21	for	for	ADP
fsr-3930	135	22	our	our	PRON
fsr-3930	135	23	analysis	analysis	NOUN
fsr-3930	135	24	.	.	PUNCT
fsr-3930	136	1	using	use	VERB
fsr-3930	136	2	tips	tip	NOUN
fsr-3930	136	3	allows	allow	VERB
fsr-3930	136	4	us	we	PRON
fsr-3930	136	5	to	to	PART
fsr-3930	136	6	quantify	quantify	VERB
fsr-3930	136	7	the	the	DET
fsr-3930	136	8	rate	rate	NOUN
fsr-3930	136	9	of	of	ADP
fsr-3930	136	10	return	return	NOUN
fsr-3930	136	11	on	on	ADP
fsr-3930	136	12	inflation	inflation	NOUN
fsr-3930	136	13	-	-	PUNCT
fsr-3930	136	14	indexed	index	VERB
fsr-3930	136	15	federal	federal	ADJ
fsr-3930	136	16	obligations	obligation	NOUN
fsr-3930	136	17	;	;	PUNCT
fsr-3930	136	18	today	today	NOUN
fsr-3930	136	19	’s	’s	PART
fsr-3930	136	20	tips	tip	NOUN
fsr-3930	136	21	real	real	ADJ
fsr-3930	136	22	yield	yield	NOUN
fsr-3930	136	23	is	be	AUX
fsr-3930	136	24	appropriate	appropriate	ADJ
fsr-3930	136	25	for	for	ADP
fsr-3930	136	26	discounting	discount	VERB
fsr-3930	136	27	the	the	DET
fsr-3930	136	28	projected	project	VERB
fsr-3930	136	29	constant	constant	ADJ
fsr-3930	136	30	real	real	ADJ
fsr-3930	136	31	social	social	ADJ
fsr-3930	136	32	security	security	NOUN
fsr-3930	136	33	benefit	benefit	NOUN
fsr-3930	136	34	payments	payment	NOUN
fsr-3930	136	35	.	.	PUNCT
fsr-3930	137	1	tips	tip	NOUN
fsr-3930	137	2	,	,	PUNCT
fsr-3930	137	3	like	like	ADP
fsr-3930	137	4	social	social	ADJ
fsr-3930	137	5	security	security	NOUN
fsr-3930	137	6	,	,	PUNCT
fsr-3930	137	7	have	have	VERB
fsr-3930	137	8	unknown	unknown	ADJ
fsr-3930	137	9	nominal	nominal	ADJ
fsr-3930	137	10	cash	cash	NOUN
fsr-3930	137	11	flows	flow	NOUN
fsr-3930	137	12	but	but	CCONJ
fsr-3930	137	13	predictable	predictable	ADJ
fsr-3930	137	14	real	real	ADJ
fsr-3930	137	15	cash	cash	NOUN
fsr-3930	137	16	flows	flow	NOUN
fsr-3930	137	17	.	.	PUNCT
fsr-3930	138	1	both	both	DET
fsr-3930	138	2	instruments	instrument	NOUN
fsr-3930	138	3	include	include	VERB
fsr-3930	138	4	embedded	embed	VERB
fsr-3930	138	5	protection	protection	NOUN
fsr-3930	138	6	against	against	ADP
fsr-3930	138	7	changes	change	NOUN
fsr-3930	138	8	in	in	ADP
fsr-3930	138	9	inflation	inflation	NOUN
fsr-3930	138	10	—	—	PUNCT
fsr-3930	138	11	a	a	DET
fsr-3930	138	12	feature	feature	NOUN
fsr-3930	138	13	that	that	PRON
fsr-3930	138	14	ordinary	ordinary	ADJ
fsr-3930	138	15	bonds	bond	NOUN
fsr-3930	138	16	omit	omit	VERB
fsr-3930	138	17	.	.	PUNCT
fsr-3930	139	1	tips	tip	NOUN
fsr-3930	139	2	are	be	AUX
fsr-3930	139	3	bonds	bond	NOUN
fsr-3930	139	4	and	and	CCONJ
fsr-3930	139	5	notes	note	NOUN
fsr-3930	139	6	with	with	ADP
fsr-3930	139	7	semiannual	semiannual	ADJ
fsr-3930	139	8	interest	interest	NOUN
fsr-3930	139	9	payments	payment	NOUN
fsr-3930	139	10	based	base	VERB
fsr-3930	139	11	299s.p	299s.p	PROPN
fsr-3930	139	12	.	.	PUNCT
fsr-3930	140	1	fraser	fraser	PROPN
fsr-3930	140	2	et	et	PROPN
fsr-3930	140	3	al	al	PROPN
fsr-3930	140	4	.	.	PUNCT
fsr-3930	140	5	/	/	SYM
fsr-3930	140	6	financial	financial	ADJ
fsr-3930	140	7	services	service	NOUN
fsr-3930	140	8	review	review	VERB
fsr-3930	140	9	9	9	NUM
fsr-3930	140	10	(	(	PUNCT
fsr-3930	140	11	2000	2000	NUM
fsr-3930	140	12	)	)	PUNCT
fsr-3930	141	1	295–326	295–326	NUM
fsr-3930	141	2	on	on	ADP
fsr-3930	141	3	a	a	DET
fsr-3930	141	4	fixed	fix	VERB
fsr-3930	141	5	coupon	coupon	NOUN
fsr-3930	141	6	rate	rate	NOUN
fsr-3930	141	7	.	.	PUNCT
fsr-3930	142	1	however	however	ADV
fsr-3930	142	2	,	,	PUNCT
fsr-3930	142	3	the	the	DET
fsr-3930	142	4	underlying	underlying	ADJ
fsr-3930	142	5	principal	principal	ADJ
fsr-3930	142	6	amount	amount	NOUN
fsr-3930	142	7	adjusts	adjust	VERB
fsr-3930	142	8	for	for	ADP
fsr-3930	142	9	inflation	inflation	NOUN
fsr-3930	142	10	,	,	PUNCT
fsr-3930	142	11	and	and	CCONJ
fsr-3930	142	12	the	the	DET
fsr-3930	142	13	coupon	coupon	NOUN
fsr-3930	142	14	payment	payment	NOUN
fsr-3930	142	15	is	be	AUX
fsr-3930	142	16	calculated	calculate	VERB
fsr-3930	142	17	based	base	VERB
fsr-3930	142	18	on	on	ADP
fsr-3930	142	19	the	the	DET
fsr-3930	142	20	inflation	inflation	NOUN
fsr-3930	142	21	-	-	PUNCT
fsr-3930	142	22	adjusted	adjust	VERB
fsr-3930	142	23	principal	principal	ADJ
fsr-3930	142	24	amount	amount	NOUN
fsr-3930	142	25	.	.	PUNCT
fsr-3930	143	1	using	use	VERB
fsr-3930	143	2	tips	tip	NOUN
fsr-3930	143	3	yields	yield	NOUN
fsr-3930	143	4	to	to	PART
fsr-3930	143	5	quantify	quantify	VERB
fsr-3930	143	6	values	value	NOUN
fsr-3930	143	7	of	of	ADP
fsr-3930	143	8	real	real	ADJ
fsr-3930	143	9	federal	federal	ADJ
fsr-3930	143	10	obligations	obligation	NOUN
fsr-3930	143	11	requires	require	VERB
fsr-3930	143	12	acknowledging	acknowledge	VERB
fsr-3930	143	13	some	some	DET
fsr-3930	143	14	caveats	caveat	NOUN
fsr-3930	143	15	.	.	PUNCT
fsr-3930	144	1	first	first	ADV
fsr-3930	144	2	,	,	PUNCT
fsr-3930	144	3	cash	cash	NOUN
fsr-3930	144	4	flows	flow	NOUN
fsr-3930	144	5	from	from	ADP
fsr-3930	144	6	tips	tip	NOUN
fsr-3930	144	7	and	and	CCONJ
fsr-3930	144	8	social	social	ADJ
fsr-3930	144	9	security	security	NOUN
fsr-3930	144	10	depend	depend	VERB
fsr-3930	144	11	on	on	ADP
fsr-3930	144	12	different	different	ADJ
fsr-3930	144	13	versions	version	NOUN
fsr-3930	144	14	of	of	ADP
fsr-3930	144	15	cpi	cpi	PROPN
fsr-3930	144	16	.	.	PUNCT
fsr-3930	145	1	tips	tip	NOUN
fsr-3930	145	2	measure	measure	VERB
fsr-3930	145	3	inflation	inflation	NOUN
fsr-3930	145	4	with	with	ADP
fsr-3930	145	5	the	the	DET
fsr-3930	145	6	consumer	consumer	NOUN
fsr-3930	145	7	price	price	NOUN
fsr-3930	145	8	index	index	NOUN
fsr-3930	145	9	for	for	ADP
fsr-3930	145	10	urban	urban	ADJ
fsr-3930	145	11	consumers	consumer	NOUN
fsr-3930	145	12	;	;	PUNCT
fsr-3930	145	13	social	social	ADJ
fsr-3930	145	14	security	security	NOUN
fsr-3930	145	15	benefits	benefit	NOUN
fsr-3930	145	16	increase	increase	VERB
fsr-3930	145	17	with	with	ADP
fsr-3930	145	18	the	the	DET
fsr-3930	145	19	consumer	consumer	NOUN
fsr-3930	145	20	price	price	NOUN
fsr-3930	145	21	index	index	NOUN
fsr-3930	145	22	for	for	ADP
fsr-3930	145	23	urban	urban	ADJ
fsr-3930	145	24	wage	wage	NOUN
fsr-3930	145	25	earners	earner	NOUN
fsr-3930	145	26	and	and	CCONJ
fsr-3930	145	27	clerical	clerical	ADJ
fsr-3930	145	28	workers	worker	NOUN
fsr-3930	145	29	(	(	PUNCT
fsr-3930	145	30	phoa	phoa	NOUN
fsr-3930	145	31	,	,	PUNCT
fsr-3930	145	32	1999	1999	NUM
fsr-3930	145	33	;	;	PUNCT
fsr-3930	145	34	thomas	thomas	PROPN
fsr-3930	145	35	,	,	PUNCT
fsr-3930	145	36	1999	1999	NUM
fsr-3930	145	37	)	)	PUNCT
fsr-3930	145	38	.	.	PUNCT
fsr-3930	146	1	however	however	ADV
fsr-3930	146	2	,	,	PUNCT
fsr-3930	146	3	the	the	DET
fsr-3930	146	4	two	two	NUM
fsr-3930	146	5	cpis	cpis	NOUN
fsr-3930	146	6	are	be	AUX
fsr-3930	146	7	highly	highly	ADV
fsr-3930	146	8	correlated	correlate	VERB
fsr-3930	146	9	(	(	PUNCT
fsr-3930	146	10	�	�	NOUN
fsr-3930	146	11	0.99	0.99	NUM
fsr-3930	146	12	)	)	PUNCT
fsr-3930	146	13	and	and	CCONJ
fsr-3930	146	14	almost	almost	ADV
fsr-3930	146	15	identical	identical	ADJ
fsr-3930	146	16	in	in	ADP
fsr-3930	146	17	magnitude	magnitude	NOUN
fsr-3930	146	18	,	,	PUNCT
fsr-3930	146	19	so	so	CCONJ
fsr-3930	146	20	this	this	DET
fsr-3930	146	21	difference	difference	NOUN
fsr-3930	146	22	is	be	AUX
fsr-3930	146	23	inconsequential	inconsequential	ADJ
fsr-3930	146	24	.	.	PUNCT
fsr-3930	147	1	second	second	ADJ
fsr-3930	147	2	,	,	PUNCT
fsr-3930	147	3	tips	tip	NOUN
fsr-3930	147	4	adjust	adjust	VERB
fsr-3930	147	5	for	for	ADP
fsr-3930	147	6	inflation	inflation	NOUN
fsr-3930	147	7	daily	daily	ADV
fsr-3930	147	8	and	and	CCONJ
fsr-3930	147	9	use	use	VERB
fsr-3930	147	10	a	a	DET
fsr-3930	147	11	nonseasonally	nonseasonally	ADV
fsr-3930	147	12	adjusted	adjust	VERB
fsr-3930	147	13	cpi	cpi	NOUN
fsr-3930	147	14	.	.	PUNCT
fsr-3930	148	1	within	within	ADP
fsr-3930	148	2	a	a	DET
fsr-3930	148	3	year	year	NOUN
fsr-3930	148	4	,	,	PUNCT
fsr-3930	148	5	tips	tip	NOUN
fsr-3930	148	6	inflation	inflation	NOUN
fsr-3930	148	7	accrual	accrual	ADJ
fsr-3930	148	8	can	can	AUX
fsr-3930	148	9	vary	vary	VERB
fsr-3930	148	10	dramatically	dramatically	ADV
fsr-3930	148	11	and	and	CCONJ
fsr-3930	148	12	affect	affect	VERB
fsr-3930	148	13	yields	yield	NOUN
fsr-3930	148	14	(	(	PUNCT
fsr-3930	148	15	kan	kan	PROPN
fsr-3930	148	16	,	,	PUNCT
fsr-3930	148	17	1999	1999	NUM
fsr-3930	148	18	)	)	PUNCT
fsr-3930	148	19	.	.	PUNCT
fsr-3930	149	1	since	since	SCONJ
fsr-3930	149	2	social	social	ADJ
fsr-3930	149	3	security	security	NOUN
fsr-3930	149	4	does	do	AUX
fsr-3930	149	5	not	not	PART
fsr-3930	149	6	rely	rely	VERB
fsr-3930	149	7	on	on	ADP
fsr-3930	149	8	seasonal	seasonal	ADJ
fsr-3930	149	9	adjustments	adjustment	NOUN
fsr-3930	149	10	,	,	PUNCT
fsr-3930	149	11	using	use	VERB
fsr-3930	149	12	tips	tip	NOUN
fsr-3930	149	13	yields	yield	NOUN
fsr-3930	149	14	—	—	PUNCT
fsr-3930	149	15	with	with	ADP
fsr-3930	149	16	their	their	PRON
fsr-3930	149	17	seasonalities	seasonalitie	NOUN
fsr-3930	149	18	—	—	PUNCT
fsr-3930	149	19	can	can	AUX
fsr-3930	149	20	lead	lead	VERB
fsr-3930	149	21	to	to	ADP
fsr-3930	149	22	slight	slight	ADJ
fsr-3930	149	23	mispricing	mispricing	NOUN
fsr-3930	149	24	.	.	PUNCT
fsr-3930	150	1	in	in	ADP
fsr-3930	150	2	our	our	PRON
fsr-3930	150	3	valuation	valuation	NOUN
fsr-3930	150	4	,	,	PUNCT
fsr-3930	150	5	the	the	DET
fsr-3930	150	6	impact	impact	NOUN
fsr-3930	150	7	is	be	AUX
fsr-3930	150	8	negligible	negligible	ADJ
fsr-3930	150	9	.	.	PUNCT
fsr-3930	151	1	seasonal	seasonal	ADJ
fsr-3930	151	2	adjustments	adjustment	NOUN
fsr-3930	151	3	are	be	AUX
fsr-3930	151	4	greatest	great	ADJ
fsr-3930	151	5	november	november	PROPN
fsr-3930	151	6	-	-	PUNCT
fsr-3930	151	7	march	march	PROPN
fsr-3930	151	8	;	;	PUNCT
fsr-3930	151	9	however	however	ADV
fsr-3930	151	10	,	,	PUNCT
fsr-3930	151	11	kan	kan	PROPN
fsr-3930	151	12	(	(	PUNCT
fsr-3930	151	13	1999	1999	NUM
fsr-3930	151	14	)	)	PUNCT
fsr-3930	151	15	shows	show	VERB
fsr-3930	151	16	the	the	DET
fsr-3930	151	17	average	average	ADJ
fsr-3930	151	18	seasonal	seasonal	ADJ
fsr-3930	151	19	/	/	SYM
fsr-3930	151	20	nonseasonal	nonseasonal	ADJ
fsr-3930	151	21	difference	difference	NOUN
fsr-3930	151	22	is	be	AUX
fsr-3930	151	23	only	only	ADV
fsr-3930	151	24	one	one	NUM
fsr-3930	151	25	basis	basis	NOUN
fsr-3930	151	26	point	point	NOUN
fsr-3930	151	27	in	in	ADP
fsr-3930	151	28	june	june	PROPN
fsr-3930	151	29	,	,	PUNCT
fsr-3930	151	30	our	our	PRON
fsr-3930	151	31	valuation	valuation	NOUN
fsr-3930	151	32	month	month	NOUN
fsr-3930	151	33	.	.	PUNCT
fsr-3930	152	1	another	another	DET
fsr-3930	152	2	caveat	caveat	NOUN
fsr-3930	152	3	involves	involve	VERB
fsr-3930	152	4	taxes	taxis	NOUN
fsr-3930	152	5	.	.	PUNCT
fsr-3930	153	1	all	all	DET
fsr-3930	153	2	coupon	coupon	NOUN
fsr-3930	153	3	payments	payment	NOUN
fsr-3930	153	4	on	on	ADP
fsr-3930	153	5	tips	tip	NOUN
fsr-3930	153	6	are	be	AUX
fsr-3930	153	7	federally	federally	ADV
fsr-3930	153	8	taxable	taxable	ADJ
fsr-3930	153	9	,	,	PUNCT
fsr-3930	153	10	but	but	CCONJ
fsr-3930	153	11	,	,	PUNCT
fsr-3930	153	12	at	at	ADP
fsr-3930	153	13	most	most	ADJ
fsr-3930	153	14	,	,	PUNCT
fsr-3930	153	15	85	85	NUM
fsr-3930	153	16	%	%	NOUN
fsr-3930	153	17	of	of	ADP
fsr-3930	153	18	social	social	ADJ
fsr-3930	153	19	security	security	NOUN
fsr-3930	153	20	payments	payment	NOUN
fsr-3930	153	21	are	be	AUX
fsr-3930	153	22	taxable	taxable	ADJ
fsr-3930	153	23	.	.	PUNCT
fsr-3930	154	1	this	this	DET
fsr-3930	154	2	difference	difference	NOUN
fsr-3930	154	3	is	be	AUX
fsr-3930	154	4	economically	economically	ADV
fsr-3930	154	5	insignificant	insignificant	ADJ
fsr-3930	154	6	for	for	ADP
fsr-3930	154	7	this	this	DET
fsr-3930	154	8	analysis	analysis	NOUN
fsr-3930	154	9	.	.	PUNCT
fsr-3930	155	1	it	it	PRON
fsr-3930	155	2	has	have	VERB
fsr-3930	155	3	less	less	ADJ
fsr-3930	155	4	than	than	ADP
fsr-3930	155	5	3	3	NUM
fsr-3930	155	6	%	%	NOUN
fsr-3930	155	7	impact	impact	NOUN
fsr-3930	155	8	on	on	ADP
fsr-3930	155	9	our	our	PRON
fsr-3930	155	10	valuation	valuation	NOUN
fsr-3930	155	11	of	of	ADP
fsr-3930	155	12	social	social	ADJ
fsr-3930	155	13	security	security	NOUN
fsr-3930	155	14	benefits	benefit	NOUN
fsr-3930	155	15	,	,	PUNCT
fsr-3930	155	16	so	so	SCONJ
fsr-3930	155	17	we	we	PRON
fsr-3930	155	18	ignore	ignore	VERB
fsr-3930	155	19	this	this	DET
fsr-3930	155	20	difference	difference	NOUN
fsr-3930	155	21	.	.	PUNCT
fsr-3930	156	1	however	however	ADV
fsr-3930	156	2	,	,	PUNCT
fsr-3930	156	3	tips	tip	NOUN
fsr-3930	156	4	incur	incur	VERB
fsr-3930	156	5	an	an	DET
fsr-3930	156	6	additional	additional	ADJ
fsr-3930	156	7	tax	tax	NOUN
fsr-3930	156	8	on	on	ADP
fsr-3930	156	9	the	the	DET
fsr-3930	156	10	cpi	cpi	NOUN
fsr-3930	156	11	-	-	PUNCT
fsr-3930	156	12	driven	drive	VERB
fsr-3930	156	13	increase	increase	NOUN
fsr-3930	156	14	in	in	ADP
fsr-3930	156	15	principal	principal	ADJ
fsr-3930	156	16	amount	amount	NOUN
fsr-3930	156	17	.	.	PUNCT
fsr-3930	157	1	each	each	DET
fsr-3930	157	2	year	year	NOUN
fsr-3930	157	3	,	,	PUNCT
fsr-3930	157	4	as	as	SCONJ
fsr-3930	157	5	the	the	DET
fsr-3930	157	6	principal	principal	ADJ
fsr-3930	157	7	value	value	NOUN
fsr-3930	157	8	increases	increase	VERB
fsr-3930	157	9	with	with	ADP
fsr-3930	157	10	inflation	inflation	NOUN
fsr-3930	157	11	,	,	PUNCT
fsr-3930	157	12	the	the	DET
fsr-3930	157	13	increase	increase	NOUN
fsr-3930	157	14	is	be	AUX
fsr-3930	157	15	taxable	taxable	ADJ
fsr-3930	157	16	at	at	ADP
fsr-3930	157	17	the	the	DET
fsr-3930	157	18	ordinary	ordinary	ADJ
fsr-3930	157	19	income	income	NOUN
fsr-3930	157	20	tax	tax	NOUN
fsr-3930	157	21	rate	rate	NOUN
fsr-3930	157	22	.	.	PUNCT
fsr-3930	158	1	there	there	PRON
fsr-3930	158	2	is	be	VERB
fsr-3930	158	3	no	no	DET
fsr-3930	158	4	similar	similar	ADJ
fsr-3930	158	5	tax	tax	NOUN
fsr-3930	158	6	on	on	ADP
fsr-3930	158	7	the	the	DET
fsr-3930	158	8	increase	increase	NOUN
fsr-3930	158	9	in	in	ADP
fsr-3930	158	10	future	future	ADJ
fsr-3930	158	11	social	social	ADJ
fsr-3930	158	12	security	security	NOUN
fsr-3930	158	13	benefits	benefit	NOUN
fsr-3930	158	14	.	.	PUNCT
fsr-3930	159	1	this	this	PRON
fsr-3930	159	2	has	have	VERB
fsr-3930	159	3	three	three	NUM
fsr-3930	159	4	consequences	consequence	NOUN
fsr-3930	159	5	for	for	ADP
fsr-3930	159	6	our	our	PRON
fsr-3930	159	7	analysis	analysis	NOUN
fsr-3930	159	8	.	.	PUNCT
fsr-3930	160	1	first	first	ADV
fsr-3930	160	2	,	,	PUNCT
fsr-3930	160	3	tips	tip	NOUN
fsr-3930	160	4	yield	yield	NOUN
fsr-3930	160	5	may	may	AUX
fsr-3930	160	6	be	be	AUX
fsr-3930	160	7	higher	high	ADJ
fsr-3930	160	8	if	if	SCONJ
fsr-3930	160	9	investors	investor	NOUN
fsr-3930	160	10	are	be	AUX
fsr-3930	160	11	compensated	compensate	VERB
fsr-3930	160	12	for	for	ADP
fsr-3930	160	13	this	this	DET
fsr-3930	160	14	tax	tax	NOUN
fsr-3930	160	15	.	.	PUNCT
fsr-3930	161	1	if	if	SCONJ
fsr-3930	161	2	the	the	DET
fsr-3930	161	3	yield	yield	NOUN
fsr-3930	161	4	is	be	AUX
fsr-3930	161	5	higher	high	ADJ
fsr-3930	161	6	,	,	PUNCT
fsr-3930	161	7	then	then	ADV
fsr-3930	161	8	using	use	VERB
fsr-3930	161	9	tips	tip	NOUN
fsr-3930	161	10	undervalues	undervalue	VERB
fsr-3930	161	11	social	social	ADJ
fsr-3930	161	12	security	security	NOUN
fsr-3930	161	13	wealth	wealth	NOUN
fsr-3930	161	14	.	.	PUNCT
fsr-3930	162	1	adjusting	adjust	VERB
fsr-3930	162	2	for	for	ADP
fsr-3930	162	3	this	this	DET
fsr-3930	162	4	difference	difference	NOUN
fsr-3930	162	5	would	would	AUX
fsr-3930	162	6	only	only	ADV
fsr-3930	162	7	heighten	heighten	VERB
fsr-3930	162	8	the	the	DET
fsr-3930	162	9	portfolio	portfolio	NOUN
fsr-3930	162	10	impact	impact	NOUN
fsr-3930	162	11	of	of	ADP
fsr-3930	162	12	including	include	VERB
fsr-3930	162	13	social	social	ADJ
fsr-3930	162	14	security	security	NOUN
fsr-3930	162	15	as	as	ADP
fsr-3930	162	16	a	a	DET
fsr-3930	162	17	portfolio	portfolio	NOUN
fsr-3930	162	18	asset	asset	NOUN
fsr-3930	162	19	.	.	PUNCT
fsr-3930	163	1	second	second	ADJ
fsr-3930	163	2	,	,	PUNCT
fsr-3930	163	3	tips	tip	NOUN
fsr-3930	163	4	interest	interest	NOUN
fsr-3930	163	5	is	be	AUX
fsr-3930	163	6	exempt	exempt	ADJ
fsr-3930	163	7	from	from	ADP
fsr-3930	163	8	state	state	NOUN
fsr-3930	163	9	income	income	NOUN
fsr-3930	163	10	tax	tax	NOUN
fsr-3930	163	11	.	.	PUNCT
fsr-3930	164	1	social	social	ADJ
fsr-3930	164	2	security	security	NOUN
fsr-3930	164	3	benefits	benefit	NOUN
fsr-3930	164	4	are	be	AUX
fsr-3930	164	5	not	not	PART
fsr-3930	164	6	necessarily	necessarily	ADV
fsr-3930	164	7	exempt	exempt	ADJ
fsr-3930	164	8	,	,	PUNCT
fsr-3930	164	9	but	but	CCONJ
fsr-3930	164	10	many	many	ADJ
fsr-3930	164	11	states	state	NOUN
fsr-3930	164	12	do	do	AUX
fsr-3930	164	13	have	have	VERB
fsr-3930	164	14	significant	significant	ADJ
fsr-3930	164	15	exemptions	exemption	NOUN
fsr-3930	164	16	or	or	CCONJ
fsr-3930	164	17	deductions	deduction	NOUN
fsr-3930	164	18	for	for	ADP
fsr-3930	164	19	pension	pension	NOUN
fsr-3930	164	20	income	income	NOUN
fsr-3930	164	21	.	.	PUNCT
fsr-3930	165	1	third	third	ADJ
fsr-3930	165	2	,	,	PUNCT
fsr-3930	165	3	this	this	DET
fsr-3930	165	4	taxation	taxation	NOUN
fsr-3930	165	5	substantially	substantially	ADV
fsr-3930	165	6	limits	limit	VERB
fsr-3930	165	7	the	the	DET
fsr-3930	165	8	advantages	advantage	NOUN
fsr-3930	165	9	of	of	ADP
fsr-3930	165	10	inflation	inflation	NOUN
fsr-3930	165	11	-	-	PUNCT
fsr-3930	165	12	indexed	index	VERB
fsr-3930	165	13	bonds	bond	NOUN
fsr-3930	165	14	for	for	ADP
fsr-3930	165	15	(	(	PUNCT
fsr-3930	165	16	taxable	taxable	ADJ
fsr-3930	165	17	)	)	PUNCT
fsr-3930	165	18	individuals	individual	NOUN
fsr-3930	165	19	under	under	ADP
fsr-3930	165	20	mean	mean	ADJ
fsr-3930	165	21	-	-	PUNCT
fsr-3930	165	22	variance	variance	NOUN
fsr-3930	165	23	optimization	optimization	NOUN
fsr-3930	165	24	(	(	PUNCT
fsr-3930	165	25	kinney	kinney	PROPN
fsr-3930	165	26	,	,	PUNCT
fsr-3930	165	27	1999	1999	NUM
fsr-3930	165	28	)	)	PUNCT
fsr-3930	165	29	but	but	CCONJ
fsr-3930	165	30	does	do	AUX
fsr-3930	165	31	not	not	PART
fsr-3930	165	32	affect	affect	VERB
fsr-3930	165	33	social	social	ADJ
fsr-3930	165	34	security	security	NOUN
fsr-3930	165	35	similarly	similarly	ADV
fsr-3930	165	36	.	.	PUNCT
fsr-3930	166	1	a	a	DET
fsr-3930	166	2	final	final	ADJ
fsr-3930	166	3	caveat	caveat	NOUN
fsr-3930	166	4	to	to	ADP
fsr-3930	166	5	the	the	DET
fsr-3930	166	6	tips	tip	NOUN
fsr-3930	166	7	proxy	proxy	NOUN
fsr-3930	166	8	for	for	ADP
fsr-3930	166	9	social	social	ADJ
fsr-3930	166	10	security	security	NOUN
fsr-3930	166	11	concerns	concern	NOUN
fsr-3930	166	12	duration	duration	NOUN
fsr-3930	166	13	.	.	PUNCT
fsr-3930	167	1	tips	tip	NOUN
fsr-3930	167	2	and	and	CCONJ
fsr-3930	167	3	social	social	ADJ
fsr-3930	167	4	security	security	NOUN
fsr-3930	167	5	with	with	ADP
fsr-3930	167	6	the	the	DET
fsr-3930	167	7	same	same	ADJ
fsr-3930	167	8	maturity	maturity	NOUN
fsr-3930	167	9	(	(	PUNCT
fsr-3930	167	10	i.e.	i.e.	X
fsr-3930	167	11	,	,	PUNCT
fsr-3930	167	12	bond	bond	NOUN
fsr-3930	167	13	maturity	maturity	NOUN
fsr-3930	167	14	equal	equal	ADJ
fsr-3930	167	15	to	to	ADP
fsr-3930	167	16	life	life	NOUN
fsr-3930	167	17	expectancy	expectancy	NOUN
fsr-3930	167	18	)	)	PUNCT
fsr-3930	167	19	have	have	VERB
fsr-3930	167	20	different	different	ADJ
fsr-3930	167	21	sensitivities	sensitivity	NOUN
fsr-3930	167	22	to	to	ADP
fsr-3930	167	23	interest	interest	NOUN
fsr-3930	167	24	rate	rate	NOUN
fsr-3930	167	25	changes	change	NOUN
fsr-3930	167	26	as	as	SCONJ
fsr-3930	167	27	measured	measure	VERB
fsr-3930	167	28	by	by	ADP
fsr-3930	167	29	macaulay	macaulay	NOUN
fsr-3930	167	30	duration	duration	NOUN
fsr-3930	167	31	because	because	SCONJ
fsr-3930	167	32	tips	tip	NOUN
fsr-3930	167	33	have	have	VERB
fsr-3930	167	34	a	a	DET
fsr-3930	167	35	large	large	ADJ
fsr-3930	167	36	terminal	terminal	ADJ
fsr-3930	167	37	cash	cash	NOUN
fsr-3930	167	38	flow	flow	NOUN
fsr-3930	167	39	and	and	CCONJ
fsr-3930	167	40	social	social	ADJ
fsr-3930	167	41	security	security	NOUN
fsr-3930	167	42	does	do	VERB
fsr-3930	167	43	not	not	PART
fsr-3930	167	44	.	.	PUNCT
fsr-3930	168	1	because	because	SCONJ
fsr-3930	168	2	we	we	PRON
fsr-3930	168	3	focus	focus	VERB
fsr-3930	168	4	on	on	ADP
fsr-3930	168	5	point	point	NOUN
fsr-3930	168	6	estimates	estimate	NOUN
fsr-3930	168	7	of	of	ADP
fsr-3930	168	8	social	social	ADJ
fsr-3930	168	9	security	security	NOUN
fsr-3930	168	10	wealth	wealth	NOUN
fsr-3930	168	11	,	,	PUNCT
fsr-3930	168	12	we	we	PRON
fsr-3930	168	13	ignore	ignore	VERB
fsr-3930	168	14	the	the	DET
fsr-3930	168	15	duration	duration	NOUN
fsr-3930	168	16	issue	issue	NOUN
fsr-3930	168	17	.	.	PUNCT
fsr-3930	169	1	we	we	PRON
fsr-3930	169	2	can	can	AUX
fsr-3930	169	3	safely	safely	ADV
fsr-3930	169	4	do	do	VERB
fsr-3930	169	5	so	so	ADV
fsr-3930	169	6	because	because	SCONJ
fsr-3930	169	7	duration	duration	NOUN
fsr-3930	169	8	has	have	VERB
fsr-3930	169	9	minimal	minimal	ADJ
fsr-3930	169	10	consequences	consequence	NOUN
fsr-3930	169	11	on	on	ADP
fsr-3930	169	12	tips	tip	NOUN
fsr-3930	169	13	pricing	pricing	NOUN
fsr-3930	169	14	.	.	PUNCT
fsr-3930	170	1	the	the	DET
fsr-3930	170	2	tips	tip	NOUN
fsr-3930	170	3	yield	yield	NOUN
fsr-3930	170	4	curve	curve	NOUN
fsr-3930	170	5	is	be	AUX
fsr-3930	170	6	quite	quite	ADV
fsr-3930	170	7	flat	flat	ADJ
fsr-3930	170	8	;	;	PUNCT
fsr-3930	170	9	bonds	bond	NOUN
fsr-3930	170	10	with	with	ADP
fsr-3930	170	11	different	different	ADJ
fsr-3930	170	12	coupons	coupon	NOUN
fsr-3930	170	13	but	but	CCONJ
fsr-3930	170	14	similar	similar	ADJ
fsr-3930	170	15	maturity	maturity	NOUN
fsr-3930	170	16	have	have	VERB
fsr-3930	170	17	similar	similar	ADJ
fsr-3930	170	18	real	real	ADJ
fsr-3930	170	19	yields	yield	NOUN
fsr-3930	170	20	(	(	PUNCT
fsr-3930	170	21	as	as	ADP
fsr-3930	170	22	of	of	ADP
fsr-3930	170	23	june	june	PROPN
fsr-3930	170	24	2000	2000	NUM
fsr-3930	170	25	)	)	PUNCT
fsr-3930	170	26	.	.	PUNCT
fsr-3930	171	1	3.3	3.3	NUM
fsr-3930	171	2	.	.	PUNCT
fsr-3930	172	1	valuation	valuation	NOUN
fsr-3930	172	2	detail	detail	NOUN
fsr-3930	172	3	assets	asset	NOUN
fsr-3930	172	4	are	be	AUX
fsr-3930	172	5	worth	worth	ADJ
fsr-3930	172	6	the	the	DET
fsr-3930	172	7	present	present	ADJ
fsr-3930	172	8	value	value	NOUN
fsr-3930	172	9	of	of	ADP
fsr-3930	172	10	expected	expect	VERB
fsr-3930	172	11	future	future	ADJ
fsr-3930	172	12	cash	cash	NOUN
fsr-3930	172	13	flows	flow	NOUN
fsr-3930	172	14	.	.	PUNCT
fsr-3930	173	1	we	we	PRON
fsr-3930	173	2	have	have	VERB
fsr-3930	173	3	major	major	ADJ
fsr-3930	173	4	valuation	valuation	NOUN
fsr-3930	173	5	components	component	NOUN
fsr-3930	173	6	described	describe	VERB
fsr-3930	173	7	(	(	PUNCT
fsr-3930	173	8	i.e.	i.e.	X
fsr-3930	173	9	,	,	PUNCT
fsr-3930	173	10	social	social	ADJ
fsr-3930	173	11	security	security	NOUN
fsr-3930	173	12	benefits	benefit	NOUN
fsr-3930	173	13	described	describe	VERB
fsr-3930	173	14	and	and	CCONJ
fsr-3930	173	15	a	a	DET
fsr-3930	173	16	good	good	ADJ
fsr-3930	173	17	discount	discount	NOUN
fsr-3930	173	18	rate	rate	NOUN
fsr-3930	173	19	proxy	proxy	NOUN
fsr-3930	173	20	)	)	PUNCT
fsr-3930	173	21	but	but	CCONJ
fsr-3930	173	22	must	must	AUX
fsr-3930	173	23	make	make	VERB
fsr-3930	173	24	a	a	DET
fsr-3930	173	25	few	few	ADJ
fsr-3930	173	26	more	more	ADJ
fsr-3930	173	27	assumptions	assumption	NOUN
fsr-3930	173	28	.	.	PUNCT
fsr-3930	174	1	valuing	value	VERB
fsr-3930	174	2	pensions	pension	NOUN
fsr-3930	174	3	requires	require	VERB
fsr-3930	174	4	estimates	estimate	NOUN
fsr-3930	174	5	about	about	ADP
fsr-3930	174	6	coverage	coverage	NOUN
fsr-3930	174	7	levels	level	NOUN
fsr-3930	174	8	,	,	PUNCT
fsr-3930	174	9	work	work	NOUN
fsr-3930	174	10	life	life	NOUN
fsr-3930	174	11	,	,	PUNCT
fsr-3930	174	12	job	job	NOUN
fsr-3930	174	13	tenure	tenure	NOUN
fsr-3930	174	14	,	,	PUNCT
fsr-3930	174	15	age	age	NOUN
fsr-3930	174	16	,	,	PUNCT
fsr-3930	174	17	mortality	mortality	NOUN
fsr-3930	174	18	,	,	PUNCT
fsr-3930	174	19	discount	discount	NOUN
fsr-3930	174	20	rates	rate	NOUN
fsr-3930	174	21	,	,	PUNCT
fsr-3930	174	22	taxation	taxation	NOUN
fsr-3930	174	23	,	,	PUNCT
fsr-3930	174	24	salary	salary	NOUN
fsr-3930	174	25	in300	in300	PROPN
fsr-3930	174	26	s.p	s.p	PROPN
fsr-3930	175	1	.	.	PROPN
fsr-3930	175	2	fraser	fraser	PROPN
fsr-3930	175	3	et	et	PROPN
fsr-3930	175	4	al	al	PROPN
fsr-3930	175	5	.	.	PUNCT
fsr-3930	175	6	/	/	SYM
fsr-3930	175	7	financial	financial	ADJ
fsr-3930	175	8	services	service	NOUN
fsr-3930	175	9	review	review	VERB
fsr-3930	175	10	9	9	NUM
fsr-3930	175	11	(	(	PUNCT
fsr-3930	175	12	2000	2000	NUM
fsr-3930	175	13	)	)	PUNCT
fsr-3930	176	1	295–326	295–326	NUM
fsr-3930	176	2	creases	crease	NOUN
fsr-3930	176	3	and	and	CCONJ
fsr-3930	176	4	inflation	inflation	NOUN
fsr-3930	176	5	.	.	PUNCT
fsr-3930	177	1	this	this	DET
fsr-3930	177	2	present	present	ADJ
fsr-3930	177	3	value	value	NOUN
fsr-3930	177	4	approach	approach	NOUN
fsr-3930	177	5	is	be	AUX
fsr-3930	177	6	the	the	DET
fsr-3930	177	7	micro	micro	ADJ
fsr-3930	177	8	equivalent	equivalent	NOUN
fsr-3930	177	9	of	of	ADP
fsr-3930	177	10	macrovaluations	macrovaluation	NOUN
fsr-3930	177	11	of	of	ADP
fsr-3930	177	12	gross	gross	ADJ
fsr-3930	177	13	national	national	ADJ
fsr-3930	177	14	social	social	ADJ
fsr-3930	177	15	security	security	NOUN
fsr-3930	177	16	wealth	wealth	NOUN
fsr-3930	177	17	in	in	ADP
fsr-3930	177	18	the	the	DET
fsr-3930	177	19	literature	literature	NOUN
fsr-3930	177	20	(	(	PUNCT
fsr-3930	177	21	feldstein	feldstein	NOUN
fsr-3930	177	22	,	,	PUNCT
fsr-3930	177	23	1974	1974	NUM
fsr-3930	177	24	)	)	PUNCT
fsr-3930	177	25	.	.	PUNCT
fsr-3930	178	1	even	even	ADV
fsr-3930	178	2	the	the	DET
fsr-3930	178	3	micro	micro	ADJ
fsr-3930	178	4	approach	approach	NOUN
fsr-3930	178	5	is	be	AUX
fsr-3930	178	6	not	not	PART
fsr-3930	178	7	novel	novel	ADJ
fsr-3930	178	8	.	.	PUNCT
fsr-3930	179	1	reichenstein	reichenstein	PROPN
fsr-3930	179	2	(	(	PUNCT
fsr-3930	179	3	1998	1998	NUM
fsr-3930	179	4	,	,	PUNCT
fsr-3930	179	5	2000	2000	NUM
fsr-3930	179	6	)	)	PUNCT
fsr-3930	179	7	argues	argue	VERB
fsr-3930	179	8	for	for	ADP
fsr-3930	179	9	including	include	VERB
fsr-3930	179	10	the	the	DET
fsr-3930	179	11	present	present	ADJ
fsr-3930	179	12	value	value	NOUN
fsr-3930	179	13	of	of	ADP
fsr-3930	179	14	social	social	ADJ
fsr-3930	179	15	security	security	NOUN
fsr-3930	179	16	benefits	benefit	NOUN
fsr-3930	179	17	in	in	ADP
fsr-3930	179	18	asset	asset	NOUN
fsr-3930	179	19	mix	mix	NOUN
fsr-3930	179	20	decisions	decision	NOUN
fsr-3930	179	21	,	,	PUNCT
fsr-3930	179	22	but	but	CCONJ
fsr-3930	179	23	does	do	AUX
fsr-3930	179	24	not	not	PART
fsr-3930	179	25	quantify	quantify	VERB
fsr-3930	179	26	it	it	PRON
fsr-3930	179	27	because	because	SCONJ
fsr-3930	179	28	of	of	ADP
fsr-3930	179	29	social	social	ADJ
fsr-3930	179	30	security	security	NOUN
fsr-3930	179	31	’s	’s	PART
fsr-3930	179	32	complexities	complexity	NOUN
fsr-3930	179	33	.	.	PUNCT
fsr-3930	180	1	scott	scott	PROPN
fsr-3930	180	2	(	(	PUNCT
fsr-3930	180	3	1995	1995	NUM
fsr-3930	180	4	)	)	PUNCT
fsr-3930	180	5	argues	argue	VERB
fsr-3930	180	6	for	for	ADP
fsr-3930	180	7	inclusion	inclusion	NOUN
fsr-3930	180	8	of	of	ADP
fsr-3930	180	9	social	social	ADJ
fsr-3930	180	10	security	security	NOUN
fsr-3930	180	11	wealth	wealth	NOUN
fsr-3930	180	12	as	as	ADP
fsr-3930	180	13	a	a	DET
fsr-3930	180	14	fixed	fix	VERB
fsr-3930	180	15	income	income	NOUN
fsr-3930	180	16	component	component	NOUN
fsr-3930	180	17	of	of	ADP
fsr-3930	180	18	the	the	DET
fsr-3930	180	19	total	total	ADJ
fsr-3930	180	20	portfolio	portfolio	NOUN
fsr-3930	180	21	,	,	PUNCT
fsr-3930	180	22	but	but	CCONJ
fsr-3930	180	23	in	in	ADP
fsr-3930	180	24	discussing	discuss	VERB
fsr-3930	180	25	pensions	pension	NOUN
fsr-3930	180	26	is	be	AUX
fsr-3930	180	27	ambiguous	ambiguous	ADJ
fsr-3930	180	28	in	in	ADP
fsr-3930	180	29	her	her	PRON
fsr-3930	180	30	prescription	prescription	NOUN
fsr-3930	180	31	.	.	PUNCT
fsr-3930	181	1	first	first	ADV
fsr-3930	181	2	,	,	PUNCT
fsr-3930	181	3	she	she	PRON
fsr-3930	181	4	relates	relate	VERB
fsr-3930	181	5	social	social	ADJ
fsr-3930	181	6	security	security	NOUN
fsr-3930	181	7	to	to	ADP
fsr-3930	181	8	defined	define	VERB
fsr-3930	181	9	benefit	benefit	NOUN
fsr-3930	181	10	pension	pension	NOUN
fsr-3930	181	11	plans	plan	NOUN
fsr-3930	181	12	,	,	PUNCT
fsr-3930	181	13	but	but	CCONJ
fsr-3930	181	14	there	there	PRON
fsr-3930	181	15	suggests	suggest	VERB
fsr-3930	181	16	incorporating	incorporate	VERB
fsr-3930	181	17	the	the	DET
fsr-3930	181	18	value	value	NOUN
fsr-3930	181	19	of	of	ADP
fsr-3930	181	20	current	current	ADJ
fsr-3930	181	21	payments	payment	NOUN
fsr-3930	181	22	.	.	PUNCT
fsr-3930	182	1	second	second	ADJ
fsr-3930	182	2	,	,	PUNCT
fsr-3930	182	3	she	she	PRON
fsr-3930	182	4	argues	argue	VERB
fsr-3930	182	5	for	for	ADP
fsr-3930	182	6	excluding	exclude	VERB
fsr-3930	182	7	distant	distant	ADJ
fsr-3930	182	8	and	and	CCONJ
fsr-3930	182	9	uncertain	uncertain	ADJ
fsr-3930	182	10	cash	cash	NOUN
fsr-3930	182	11	flows	flow	NOUN
fsr-3930	182	12	.	.	PUNCT
fsr-3930	183	1	one	one	NUM
fsr-3930	183	2	interpretation	interpretation	NOUN
fsr-3930	183	3	of	of	ADP
fsr-3930	183	4	these	these	DET
fsr-3930	183	5	two	two	NUM
fsr-3930	183	6	points	point	NOUN
fsr-3930	183	7	is	be	AUX
fsr-3930	183	8	that	that	SCONJ
fsr-3930	183	9	social	social	ADJ
fsr-3930	183	10	security	security	NOUN
fsr-3930	183	11	is	be	AUX
fsr-3930	183	12	a	a	DET
fsr-3930	183	13	portfolio	portfolio	NOUN
fsr-3930	183	14	asset	asset	NOUN
fsr-3930	183	15	only	only	ADV
fsr-3930	183	16	for	for	ADP
fsr-3930	183	17	retirees	retiree	NOUN
fsr-3930	183	18	.	.	PUNCT
fsr-3930	184	1	third	third	ADJ
fsr-3930	184	2	,	,	PUNCT
fsr-3930	184	3	she	she	PRON
fsr-3930	184	4	offers	offer	VERB
fsr-3930	184	5	limited	limited	ADJ
fsr-3930	184	6	guidance	guidance	NOUN
fsr-3930	184	7	in	in	ADP
fsr-3930	184	8	selecting	select	VERB
fsr-3930	184	9	a	a	DET
fsr-3930	184	10	discount	discount	NOUN
fsr-3930	184	11	rate	rate	NOUN
fsr-3930	184	12	.	.	PUNCT
fsr-3930	185	1	her	her	PRON
fsr-3930	185	2	pension	pension	NOUN
fsr-3930	185	3	example	example	NOUN
fsr-3930	185	4	uses	use	VERB
fsr-3930	185	5	nominal	nominal	ADJ
fsr-3930	185	6	treasury	treasury	NOUN
fsr-3930	185	7	yields	yield	NOUN
fsr-3930	185	8	,	,	PUNCT
fsr-3930	185	9	but	but	CCONJ
fsr-3930	185	10	this	this	PRON
fsr-3930	185	11	ignores	ignore	VERB
fsr-3930	185	12	social	social	ADJ
fsr-3930	185	13	security	security	NOUN
fsr-3930	185	14	’s	’s	PART
fsr-3930	185	15	inflation	inflation	NOUN
fsr-3930	185	16	adjustment	adjustment	NOUN
fsr-3930	185	17	as	as	ADV
fsr-3930	185	18	well	well	ADV
fsr-3930	185	19	as	as	ADP
fsr-3930	185	20	risk	risk	NOUN
fsr-3930	185	21	adjustments	adjustment	NOUN
fsr-3930	185	22	(	(	PUNCT
fsr-3930	185	23	e.g.	e.g.	ADV
fsr-3930	185	24	,	,	PUNCT
fsr-3930	185	25	default	default	NOUN
fsr-3930	185	26	risk	risk	NOUN
fsr-3930	185	27	in	in	ADP
fsr-3930	185	28	her	her	PRON
fsr-3930	185	29	corporate	corporate	ADJ
fsr-3930	185	30	pension	pension	NOUN
fsr-3930	185	31	)	)	PUNCT
fsr-3930	185	32	.	.	PUNCT
fsr-3930	186	1	we	we	PRON
fsr-3930	186	2	build	build	VERB
fsr-3930	186	3	on	on	ADP
fsr-3930	186	4	reichenstein	reichenstein	NOUN
fsr-3930	186	5	’s	’s	PART
fsr-3930	186	6	(	(	PUNCT
fsr-3930	186	7	1998	1998	NUM
fsr-3930	186	8	,	,	PUNCT
fsr-3930	186	9	2000	2000	NUM
fsr-3930	186	10	)	)	PUNCT
fsr-3930	186	11	and	and	CCONJ
fsr-3930	186	12	scott	scott	PROPN
fsr-3930	186	13	’s	’s	PART
fsr-3930	186	14	(	(	PUNCT
fsr-3930	186	15	1995	1995	NUM
fsr-3930	186	16	)	)	PUNCT
fsr-3930	186	17	valuable	valuable	ADJ
fsr-3930	186	18	insights	insight	NOUN
fsr-3930	186	19	.	.	PUNCT
fsr-3930	187	1	before	before	ADP
fsr-3930	187	2	going	go	VERB
fsr-3930	187	3	into	into	ADP
fsr-3930	187	4	details	detail	NOUN
fsr-3930	187	5	,	,	PUNCT
fsr-3930	187	6	we	we	PRON
fsr-3930	187	7	should	should	AUX
fsr-3930	187	8	clarify	clarify	VERB
fsr-3930	187	9	the	the	DET
fsr-3930	187	10	appropriate	appropriate	ADJ
fsr-3930	187	11	valuation	valuation	NOUN
fsr-3930	187	12	framework	framework	NOUN
fsr-3930	187	13	.	.	PUNCT
fsr-3930	188	1	social	social	ADJ
fsr-3930	188	2	security	security	NOUN
fsr-3930	188	3	wealth	wealth	NOUN
fsr-3930	188	4	is	be	AUX
fsr-3930	188	5	not	not	PART
fsr-3930	188	6	liquid	liquid	ADJ
fsr-3930	188	7	,	,	PUNCT
fsr-3930	188	8	that	that	ADV
fsr-3930	188	9	is	is	ADV
fsr-3930	188	10	,	,	PUNCT
fsr-3930	188	11	it	it	PRON
fsr-3930	188	12	can	can	AUX
fsr-3930	188	13	not	not	PART
fsr-3930	188	14	be	be	AUX
fsr-3930	188	15	sold	sell	VERB
fsr-3930	188	16	or	or	CCONJ
fsr-3930	188	17	explicitly	explicitly	ADV
fsr-3930	188	18	be	be	AUX
fsr-3930	188	19	used	use	VERB
fsr-3930	188	20	as	as	ADP
fsr-3930	188	21	collateral	collateral	NOUN
fsr-3930	188	22	.	.	PUNCT
fsr-3930	189	1	lack	lack	NOUN
fsr-3930	189	2	of	of	ADP
fsr-3930	189	3	marketability	marketability	NOUN
fsr-3930	189	4	affects	affect	NOUN
fsr-3930	189	5	value	value	NOUN
fsr-3930	189	6	.	.	PUNCT
fsr-3930	190	1	this	this	PRON
fsr-3930	190	2	is	be	AUX
fsr-3930	190	3	the	the	DET
fsr-3930	190	4	essence	essence	NOUN
fsr-3930	190	5	of	of	ADP
fsr-3930	190	6	the	the	DET
fsr-3930	190	7	valuation	valuation	NOUN
fsr-3930	190	8	framework	framework	NOUN
fsr-3930	190	9	that	that	PRON
fsr-3930	190	10	applies	apply	VERB
fsr-3930	190	11	a	a	DET
fsr-3930	190	12	marketability	marketability	NOUN
fsr-3930	190	13	discount	discount	NOUN
fsr-3930	190	14	to	to	PART
fsr-3930	190	15	value	value	VERB
fsr-3930	190	16	an	an	DET
fsr-3930	190	17	illiquid	illiquid	ADJ
fsr-3930	190	18	asset	asset	NOUN
fsr-3930	190	19	.	.	PUNCT
fsr-3930	191	1	since	since	SCONJ
fsr-3930	191	2	the	the	DET
fsr-3930	191	3	marketability	marketability	NOUN
fsr-3930	191	4	discount	discount	NOUN
fsr-3930	191	5	increases	increase	VERB
fsr-3930	191	6	with	with	ADP
fsr-3930	191	7	the	the	DET
fsr-3930	191	8	difficulty	difficulty	NOUN
fsr-3930	191	9	of	of	ADP
fsr-3930	191	10	selling	sell	VERB
fsr-3930	191	11	an	an	DET
fsr-3930	191	12	asset	asset	NOUN
fsr-3930	191	13	,	,	PUNCT
fsr-3930	191	14	the	the	DET
fsr-3930	191	15	“	"	PUNCT
fsr-3930	191	16	fair	fair	ADJ
fsr-3930	191	17	market	market	NOUN
fsr-3930	191	18	value	value	NOUN
fsr-3930	191	19	”	"	PUNCT
fsr-3930	191	20	of	of	ADP
fsr-3930	191	21	social	social	ADJ
fsr-3930	191	22	security	security	NOUN
fsr-3930	191	23	wealth	wealth	NOUN
fsr-3930	191	24	under	under	ADP
fsr-3930	191	25	this	this	DET
fsr-3930	191	26	paradigm	paradigm	NOUN
fsr-3930	191	27	is	be	AUX
fsr-3930	191	28	zero	zero	NUM
fsr-3930	191	29	.	.	PUNCT
fsr-3930	192	1	(	(	PUNCT
fsr-3930	192	2	note	note	VERB
fsr-3930	192	3	,	,	PUNCT
fsr-3930	192	4	however	however	ADV
fsr-3930	192	5	,	,	PUNCT
fsr-3930	192	6	that	that	SCONJ
fsr-3930	192	7	if	if	SCONJ
fsr-3930	192	8	social	social	ADJ
fsr-3930	192	9	security	security	NOUN
fsr-3930	192	10	wealth	wealth	NOUN
fsr-3930	192	11	could	could	AUX
fsr-3930	192	12	be	be	AUX
fsr-3930	192	13	sold	sell	VERB
fsr-3930	192	14	,	,	PUNCT
fsr-3930	192	15	its	its	PRON
fsr-3930	192	16	near	near	ADV
fsr-3930	192	17	-	-	PUNCT
fsr-3930	192	18	certain	certain	ADJ
fsr-3930	192	19	cash	cash	NOUN
fsr-3930	192	20	flows	flow	NOUN
fsr-3930	192	21	would	would	AUX
fsr-3930	192	22	minimize	minimize	VERB
fsr-3930	192	23	any	any	DET
fsr-3930	192	24	marketability	marketability	NOUN
fsr-3930	192	25	discount	discount	NOUN
fsr-3930	192	26	(	(	PUNCT
fsr-3930	192	27	see	see	VERB
fsr-3930	192	28	pratt	pratt	PROPN
fsr-3930	192	29	,	,	PUNCT
fsr-3930	192	30	reilly	reilly	PROPN
fsr-3930	192	31	&	&	CCONJ
fsr-3930	192	32	schweihs	schweihs	NOUN
fsr-3930	192	33	,	,	PUNCT
fsr-3930	192	34	1996	1996	NUM
fsr-3930	192	35	,	,	PUNCT
fsr-3930	192	36	p.	p.	NOUN
fsr-3930	192	37	358	358	NUM
fsr-3930	192	38	)	)	PUNCT
fsr-3930	192	39	.	.	PUNCT
fsr-3930	192	40	)	)	PUNCT
fsr-3930	193	1	rather	rather	ADV
fsr-3930	193	2	than	than	ADP
fsr-3930	193	3	fair	fair	ADJ
fsr-3930	193	4	market	market	NOUN
fsr-3930	193	5	value	value	NOUN
fsr-3930	193	6	,	,	PUNCT
fsr-3930	193	7	the	the	DET
fsr-3930	193	8	individual	individual	ADJ
fsr-3930	193	9	-	-	PUNCT
fsr-3930	193	10	specific	specific	ADJ
fsr-3930	193	11	valuation	valuation	NOUN
fsr-3930	193	12	is	be	AUX
fsr-3930	193	13	relevant	relevant	ADJ
fsr-3930	193	14	to	to	ADP
fsr-3930	193	15	an	an	DET
fsr-3930	193	16	individual	individual	NOUN
fsr-3930	193	17	’s	’s	PART
fsr-3930	193	18	asset	asset	NOUN
fsr-3930	193	19	allocation	allocation	NOUN
fsr-3930	193	20	decision	decision	NOUN
fsr-3930	193	21	.	.	PUNCT
fsr-3930	194	1	this	this	PRON
fsr-3930	194	2	is	be	AUX
fsr-3930	194	3	investment	investment	NOUN
fsr-3930	194	4	value	value	NOUN
fsr-3930	194	5	,	,	PUNCT
fsr-3930	194	6	or	or	CCONJ
fsr-3930	194	7	“	"	PUNCT
fsr-3930	194	8	value	value	NOUN
fsr-3930	194	9	to	to	ADP
fsr-3930	194	10	a	a	DET
fsr-3930	194	11	particular	particular	ADJ
fsr-3930	194	12	investor	investor	NOUN
fsr-3930	194	13	based	base	VERB
fsr-3930	194	14	on	on	ADP
fsr-3930	194	15	individual	individual	ADJ
fsr-3930	194	16	investment	investment	NOUN
fsr-3930	194	17	requirements	requirement	NOUN
fsr-3930	194	18	”	"	PUNCT
fsr-3930	194	19	(	(	PUNCT
fsr-3930	194	20	pratt	pratt	PROPN
fsr-3930	194	21	et	et	PROPN
fsr-3930	194	22	al	al	PROPN
fsr-3930	194	23	.	.	PROPN
fsr-3930	194	24	,	,	PUNCT
fsr-3930	194	25	1996	1996	NUM
fsr-3930	194	26	)	)	PUNCT
fsr-3930	194	27	.	.	PUNCT
fsr-3930	195	1	using	use	VERB
fsr-3930	195	2	investment	investment	NOUN
fsr-3930	195	3	value	value	NOUN
fsr-3930	195	4	is	be	AUX
fsr-3930	195	5	valid	valid	ADJ
fsr-3930	195	6	because	because	SCONJ
fsr-3930	195	7	even	even	ADV
fsr-3930	195	8	nonsalable	nonsalable	ADJ
fsr-3930	195	9	assets	asset	NOUN
fsr-3930	195	10	have	have	VERB
fsr-3930	195	11	individual	individual	ADJ
fsr-3930	195	12	-	-	PUNCT
fsr-3930	195	13	specific	specific	ADJ
fsr-3930	195	14	value	value	NOUN
fsr-3930	195	15	.	.	PUNCT
fsr-3930	196	1	we	we	PRON
fsr-3930	196	2	describe	describe	VERB
fsr-3930	196	3	our	our	PRON
fsr-3930	196	4	specific	specific	ADJ
fsr-3930	196	5	methodology	methodology	NOUN
fsr-3930	196	6	and	and	CCONJ
fsr-3930	196	7	assumptions	assumption	NOUN
fsr-3930	196	8	in	in	ADP
fsr-3930	196	9	the	the	DET
fsr-3930	196	10	subsections	subsection	NOUN
fsr-3930	196	11	below	below	ADV
fsr-3930	196	12	.	.	PUNCT
fsr-3930	197	1	in	in	ADP
fsr-3930	197	2	turn	turn	NOUN
fsr-3930	197	3	,	,	PUNCT
fsr-3930	197	4	we	we	PRON
fsr-3930	197	5	discuss	discuss	VERB
fsr-3930	197	6	the	the	DET
fsr-3930	197	7	timing	timing	NOUN
fsr-3930	197	8	of	of	ADP
fsr-3930	197	9	social	social	ADJ
fsr-3930	197	10	security	security	NOUN
fsr-3930	197	11	cash	cash	NOUN
fsr-3930	197	12	flows	flow	NOUN
fsr-3930	197	13	,	,	PUNCT
fsr-3930	197	14	the	the	DET
fsr-3930	197	15	size	size	NOUN
fsr-3930	197	16	of	of	ADP
fsr-3930	197	17	social	social	ADJ
fsr-3930	197	18	security	security	NOUN
fsr-3930	197	19	cash	cash	NOUN
fsr-3930	197	20	flows	flow	NOUN
fsr-3930	197	21	,	,	PUNCT
fsr-3930	197	22	discounting	discount	VERB
fsr-3930	197	23	the	the	DET
fsr-3930	197	24	cash	cash	NOUN
fsr-3930	197	25	flows	flow	NOUN
fsr-3930	197	26	and	and	CCONJ
fsr-3930	197	27	our	our	PRON
fsr-3930	197	28	valuation	valuation	NOUN
fsr-3930	197	29	results	result	NOUN
fsr-3930	197	30	.	.	PUNCT
fsr-3930	198	1	3.3.1	3.3.1	X
fsr-3930	198	2	.	.	X
fsr-3930	198	3	timing	timing	NOUN
fsr-3930	198	4	of	of	ADP
fsr-3930	198	5	cash	cash	NOUN
fsr-3930	198	6	flows	flow	VERB
fsr-3930	198	7	several	several	ADJ
fsr-3930	198	8	cash	cash	NOUN
fsr-3930	198	9	flow	flow	NOUN
fsr-3930	198	10	timing	timing	NOUN
fsr-3930	198	11	issues	issue	NOUN
fsr-3930	198	12	are	be	AUX
fsr-3930	198	13	relevant	relevant	ADJ
fsr-3930	198	14	to	to	ADP
fsr-3930	198	15	our	our	PRON
fsr-3930	198	16	valuation	valuation	NOUN
fsr-3930	198	17	.	.	PUNCT
fsr-3930	199	1	we	we	PRON
fsr-3930	199	2	discuss	discuss	VERB
fsr-3930	199	3	retirement	retirement	NOUN
fsr-3930	199	4	timing	timing	NOUN
fsr-3930	199	5	,	,	PUNCT
fsr-3930	199	6	age	age	NOUN
fsr-3930	199	7	and	and	CCONJ
fsr-3930	199	8	mortality	mortality	NOUN
fsr-3930	199	9	in	in	ADP
fsr-3930	199	10	the	the	DET
fsr-3930	199	11	following	follow	VERB
fsr-3930	199	12	paragraphs	paragraph	NOUN
fsr-3930	199	13	.	.	PUNCT
fsr-3930	200	1	social	social	ADJ
fsr-3930	200	2	security	security	NOUN
fsr-3930	200	3	includes	include	VERB
fsr-3930	200	4	a	a	DET
fsr-3930	200	5	retirement	retirement	NOUN
fsr-3930	200	6	-	-	PUNCT
fsr-3930	200	7	timing	timing	NOUN
fsr-3930	200	8	option	option	NOUN
fsr-3930	200	9	.	.	PUNCT
fsr-3930	201	1	reduced	reduce	VERB
fsr-3930	201	2	benefits	benefit	NOUN
fsr-3930	201	3	are	be	AUX
fsr-3930	201	4	available	available	ADJ
fsr-3930	201	5	3–5	3–5	NUM
fsr-3930	201	6	years	year	NOUN
fsr-3930	201	7	before	before	ADP
fsr-3930	201	8	the	the	DET
fsr-3930	201	9	statutory	statutory	ADJ
fsr-3930	201	10	full	full	ADJ
fsr-3930	201	11	retirement	retirement	NOUN
fsr-3930	201	12	ages	age	NOUN
fsr-3930	201	13	of	of	ADP
fsr-3930	201	14	65–67	65–67	NUM
fsr-3930	201	15	.	.	PUNCT
fsr-3930	202	1	we	we	PRON
fsr-3930	202	2	focus	focus	VERB
fsr-3930	202	3	our	our	PRON
fsr-3930	202	4	primary	primary	ADJ
fsr-3930	202	5	analysis	analysis	NOUN
fsr-3930	202	6	on	on	ADP
fsr-3930	202	7	those	those	PRON
fsr-3930	202	8	who	who	PRON
fsr-3930	202	9	take	take	VERB
fsr-3930	202	10	or	or	CCONJ
fsr-3930	202	11	took	take	VERB
fsr-3930	202	12	social	social	ADJ
fsr-3930	202	13	security	security	NOUN
fsr-3930	202	14	at	at	ADP
fsr-3930	202	15	age	age	NOUN
fsr-3930	202	16	62	62	NUM
fsr-3930	202	17	(	(	PUNCT
fsr-3930	202	18	but	but	CCONJ
fsr-3930	202	19	consider	consider	VERB
fsr-3930	202	20	age	age	NOUN
fsr-3930	202	21	65	65	NUM
fsr-3930	202	22	in	in	ADP
fsr-3930	202	23	the	the	DET
fsr-3930	202	24	appendix	appendix	NOUN
fsr-3930	202	25	)	)	PUNCT
fsr-3930	202	26	.	.	PUNCT
fsr-3930	203	1	we	we	PRON
fsr-3930	203	2	do	do	VERB
fsr-3930	203	3	this	this	PRON
fsr-3930	203	4	for	for	ADP
fsr-3930	203	5	two	two	NUM
fsr-3930	203	6	reasons	reason	NOUN
fsr-3930	203	7	:	:	PUNCT
fsr-3930	203	8	first	first	ADV
fsr-3930	203	9	,	,	PUNCT
fsr-3930	203	10	detweiler	detweiler	NOUN
fsr-3930	203	11	(	(	PUNCT
fsr-3930	203	12	1999	1999	NUM
fsr-3930	203	13	)	)	PUNCT
fsr-3930	203	14	evaluates	evaluate	VERB
fsr-3930	203	15	the	the	DET
fsr-3930	203	16	early	early	ADJ
fsr-3930	203	17	retirement	retirement	NOUN
fsr-3930	203	18	decision	decision	NOUN
fsr-3930	203	19	;	;	PUNCT
fsr-3930	203	20	he	he	PRON
fsr-3930	203	21	calculates	calculate	VERB
fsr-3930	203	22	present	present	ADJ
fsr-3930	203	23	values	value	NOUN
fsr-3930	203	24	and	and	CCONJ
fsr-3930	203	25	concludes	conclude	VERB
fsr-3930	203	26	that	that	SCONJ
fsr-3930	203	27	retired	retired	ADJ
fsr-3930	203	28	men	man	NOUN
fsr-3930	203	29	should	should	AUX
fsr-3930	203	30	start	start	VERB
fsr-3930	203	31	social	social	ADJ
fsr-3930	203	32	security	security	NOUN
fsr-3930	203	33	at	at	ADP
fsr-3930	203	34	age	age	NOUN
fsr-3930	203	35	62	62	NUM
fsr-3930	203	36	when	when	SCONJ
fsr-3930	203	37	real	real	ADJ
fsr-3930	203	38	returns	return	NOUN
fsr-3930	203	39	are	be	AUX
fsr-3930	203	40	more	more	ADJ
fsr-3930	203	41	than	than	ADP
fsr-3930	203	42	2.25	2.25	NUM
fsr-3930	203	43	%	%	NOUN
fsr-3930	203	44	and	and	CCONJ
fsr-3930	203	45	that	that	SCONJ
fsr-3930	203	46	retired	retired	ADJ
fsr-3930	203	47	women	woman	NOUN
fsr-3930	203	48	should	should	AUX
fsr-3930	203	49	do	do	VERB
fsr-3930	203	50	so	so	ADV
fsr-3930	203	51	for	for	ADP
fsr-3930	203	52	real	real	ADJ
fsr-3930	203	53	returns	return	NOUN
fsr-3930	203	54	above	above	ADP
fsr-3930	203	55	4.5	4.5	NUM
fsr-3930	203	56	%	%	NOUN
fsr-3930	203	57	.	.	PUNCT
fsr-3930	204	1	second	second	ADJ
fsr-3930	204	2	and	and	CCONJ
fsr-3930	204	3	more	more	ADV
fsr-3930	204	4	importantly	importantly	ADV
fsr-3930	204	5	,	,	PUNCT
fsr-3930	204	6	most	most	ADJ
fsr-3930	204	7	people	people	NOUN
fsr-3930	204	8	start	start	VERB
fsr-3930	204	9	benefits	benefit	NOUN
fsr-3930	204	10	at	at	ADP
fsr-3930	204	11	62	62	NUM
fsr-3930	204	12	(	(	PUNCT
fsr-3930	204	13	congress	congress	PROPN
fsr-3930	204	14	,	,	PUNCT
fsr-3930	204	15	1996	1996	NUM
fsr-3930	204	16	)	)	PUNCT
fsr-3930	204	17	.	.	PUNCT
fsr-3930	205	1	we	we	PRON
fsr-3930	205	2	calculate	calculate	VERB
fsr-3930	205	3	the	the	DET
fsr-3930	205	4	present	present	ADJ
fsr-3930	205	5	value	value	NOUN
fsr-3930	205	6	of	of	ADP
fsr-3930	205	7	social	social	ADJ
fsr-3930	205	8	security	security	NOUN
fsr-3930	205	9	benefits	benefit	NOUN
fsr-3930	205	10	for	for	ADP
fsr-3930	205	11	a	a	DET
fsr-3930	205	12	wide	wide	ADJ
fsr-3930	205	13	range	range	NOUN
fsr-3930	205	14	of	of	ADP
fsr-3930	205	15	ages	age	NOUN
fsr-3930	205	16	as	as	ADP
fsr-3930	205	17	of	of	ADP
fsr-3930	205	18	2000	2000	NUM
fsr-3930	205	19	.	.	PUNCT
fsr-3930	206	1	this	this	DET
fsr-3930	206	2	date	date	NOUN
fsr-3930	206	3	is	be	AUX
fsr-3930	206	4	relevant	relevant	ADJ
fsr-3930	206	5	since	since	SCONJ
fsr-3930	206	6	we	we	PRON
fsr-3930	206	7	incorporate	incorporate	VERB
fsr-3930	206	8	the	the	DET
fsr-3930	206	9	planned	plan	VERB
fsr-3930	206	10	increases	increase	NOUN
fsr-3930	206	11	in	in	ADP
fsr-3930	206	12	statutory	statutory	ADJ
fsr-3930	206	13	“	"	PUNCT
fsr-3930	206	14	full	full	ADJ
fsr-3930	206	15	retirement	retirement	NOUN
fsr-3930	206	16	”	"	PUNCT
fsr-3930	206	17	ages	age	NOUN
fsr-3930	206	18	.	.	PUNCT
fsr-3930	207	1	that	that	PRON
fsr-3930	207	2	is	is	ADV
fsr-3930	207	3	,	,	PUNCT
fsr-3930	207	4	the	the	DET
fsr-3930	207	5	present	present	ADJ
fsr-3930	207	6	value	value	NOUN
fsr-3930	207	7	reflects	reflect	VERB
fsr-3930	207	8	the	the	DET
fsr-3930	207	9	early	early	ADJ
fsr-3930	207	10	retirement	retirement	NOUN
fsr-3930	207	11	penalty	penalty	NOUN
fsr-3930	207	12	,	,	PUNCT
fsr-3930	207	13	which	which	PRON
fsr-3930	207	14	varies	vary	VERB
fsr-3930	207	15	301s.p	301s.p	NUM
fsr-3930	207	16	.	.	PUNCT
fsr-3930	208	1	fraser	fraser	PROPN
fsr-3930	208	2	et	et	PROPN
fsr-3930	208	3	al	al	PROPN
fsr-3930	208	4	.	.	PUNCT
fsr-3930	208	5	/	/	SYM
fsr-3930	208	6	financial	financial	ADJ
fsr-3930	208	7	services	service	NOUN
fsr-3930	208	8	review	review	VERB
fsr-3930	208	9	9	9	NUM
fsr-3930	208	10	(	(	PUNCT
fsr-3930	208	11	2000	2000	NUM
fsr-3930	208	12	)	)	PUNCT
fsr-3930	209	1	295–326	295–326	NUM
fsr-3930	209	2	according	accord	VERB
fsr-3930	209	3	to	to	ADP
fsr-3930	209	4	birth	birth	NOUN
fsr-3930	209	5	year	year	NOUN
fsr-3930	209	6	(	(	PUNCT
fsr-3930	209	7	thomas	thomas	PROPN
fsr-3930	209	8	,	,	PUNCT
fsr-3930	209	9	1999	1999	NUM
fsr-3930	209	10	)	)	PUNCT
fsr-3930	209	11	.	.	PUNCT
fsr-3930	210	1	we	we	PRON
fsr-3930	210	2	assume	assume	VERB
fsr-3930	210	3	spouses	spouse	NOUN
fsr-3930	210	4	are	be	AUX
fsr-3930	210	5	the	the	DET
fsr-3930	210	6	same	same	ADJ
fsr-3930	210	7	ages	age	NOUN
fsr-3930	210	8	(	(	PUNCT
fsr-3930	210	9	but	but	CCONJ
fsr-3930	210	10	consider	consider	VERB
fsr-3930	210	11	alternatives	alternative	NOUN
fsr-3930	210	12	in	in	ADP
fsr-3930	210	13	the	the	DET
fsr-3930	210	14	appendix	appendix	NOUN
fsr-3930	210	15	)	)	PUNCT
fsr-3930	210	16	.	.	PUNCT
fsr-3930	211	1	we	we	PRON
fsr-3930	211	2	use	use	VERB
fsr-3930	211	3	irs	irs	PROPN
fsr-3930	211	4	life	life	NOUN
fsr-3930	211	5	expectancy	expectancy	NOUN
fsr-3930	211	6	tables	table	NOUN
fsr-3930	211	7	(	(	PUNCT
fsr-3930	211	8	irs	irs	PROPN
fsr-3930	211	9	publication	publication	NOUN
fsr-3930	211	10	939	939	NUM
fsr-3930	211	11	,	,	PUNCT
fsr-3930	211	12	1997	1997	NUM
fsr-3930	211	13	)	)	PUNCT
fsr-3930	211	14	,	,	PUNCT
fsr-3930	211	15	which	which	PRON
fsr-3930	211	16	force	force	VERB
fsr-3930	211	17	two	two	NUM
fsr-3930	211	18	simplifying	simplifying	NOUN
fsr-3930	211	19	assumptions	assumption	NOUN
fsr-3930	211	20	.	.	PUNCT
fsr-3930	212	1	first	first	ADV
fsr-3930	212	2	,	,	PUNCT
fsr-3930	212	3	the	the	DET
fsr-3930	212	4	primary	primary	ADJ
fsr-3930	212	5	irs	irs	PROPN
fsr-3930	212	6	tables	table	NOUN
fsr-3930	212	7	do	do	AUX
fsr-3930	212	8	not	not	PART
fsr-3930	212	9	distinguish	distinguish	VERB
fsr-3930	212	10	between	between	ADP
fsr-3930	212	11	men	man	NOUN
fsr-3930	212	12	and	and	CCONJ
fsr-3930	212	13	women	woman	NOUN
fsr-3930	212	14	—	—	PUNCT
fsr-3930	212	15	death	death	NOUN
fsr-3930	212	16	does	do	VERB
fsr-3930	212	17	.	.	PUNCT
fsr-3930	213	1	second	second	ADJ
fsr-3930	213	2	,	,	PUNCT
fsr-3930	213	3	we	we	PRON
fsr-3930	213	4	ignore	ignore	VERB
fsr-3930	213	5	the	the	DET
fsr-3930	213	6	correlation	correlation	NOUN
fsr-3930	213	7	between	between	ADP
fsr-3930	213	8	health	health	NOUN
fsr-3930	213	9	and	and	CCONJ
fsr-3930	213	10	wealth	wealth	NOUN
fsr-3930	213	11	(	(	PUNCT
fsr-3930	213	12	smith	smith	PROPN
fsr-3930	213	13	&	&	CCONJ
fsr-3930	213	14	kington	kington	PROPN
fsr-3930	213	15	,	,	PUNCT
fsr-3930	213	16	1997	1997	NUM
fsr-3930	213	17	)	)	PUNCT
fsr-3930	213	18	.	.	PUNCT
fsr-3930	214	1	the	the	DET
fsr-3930	214	2	high	high	ADJ
fsr-3930	214	3	earner	earner	NOUN
fsr-3930	214	4	we	we	PRON
fsr-3930	214	5	evaluate	evaluate	VERB
fsr-3930	214	6	below	below	ADV
fsr-3930	214	7	is	be	AUX
fsr-3930	214	8	more	more	ADV
fsr-3930	214	9	likely	likely	ADJ
fsr-3930	214	10	to	to	PART
fsr-3930	214	11	have	have	VERB
fsr-3930	214	12	the	the	DET
fsr-3930	214	13	resources	resource	NOUN
fsr-3930	214	14	to	to	PART
fsr-3930	214	15	pay	pay	VERB
fsr-3930	214	16	for	for	ADP
fsr-3930	214	17	quality	quality	NOUN
fsr-3930	214	18	health	health	NOUN
fsr-3930	214	19	care	care	NOUN
fsr-3930	214	20	and	and	CCONJ
fsr-3930	214	21	nutrition	nutrition	NOUN
fsr-3930	214	22	(	(	PUNCT
fsr-3930	214	23	evensky	evensky	ADJ
fsr-3930	214	24	,	,	PUNCT
fsr-3930	214	25	1997	1997	NUM
fsr-3930	214	26	)	)	PUNCT
fsr-3930	214	27	.	.	PUNCT
fsr-3930	215	1	3.3.2	3.3.2	NUM
fsr-3930	215	2	.	.	NUM
fsr-3930	215	3	size	size	NOUN
fsr-3930	215	4	of	of	ADP
fsr-3930	215	5	cash	cash	NOUN
fsr-3930	215	6	flows	flow	NOUN
fsr-3930	215	7	in	in	ADP
fsr-3930	215	8	our	our	PRON
fsr-3930	215	9	valuation	valuation	NOUN
fsr-3930	215	10	,	,	PUNCT
fsr-3930	215	11	we	we	PRON
fsr-3930	215	12	focus	focus	VERB
fsr-3930	215	13	on	on	ADP
fsr-3930	215	14	high	high	ADJ
fsr-3930	215	15	-	-	PUNCT
fsr-3930	215	16	income	income	NOUN
fsr-3930	215	17	individuals	individual	NOUN
fsr-3930	215	18	.	.	PUNCT
fsr-3930	216	1	we	we	PRON
fsr-3930	216	2	do	do	VERB
fsr-3930	216	3	so	so	ADV
fsr-3930	216	4	without	without	ADP
fsr-3930	216	5	much	much	ADJ
fsr-3930	216	6	loss	loss	NOUN
fsr-3930	216	7	of	of	ADP
fsr-3930	216	8	generality	generality	NOUN
fsr-3930	216	9	.	.	PUNCT
fsr-3930	217	1	social	social	ADJ
fsr-3930	217	2	security	security	NOUN
fsr-3930	217	3	benefits	benefit	NOUN
fsr-3930	217	4	are	be	AUX
fsr-3930	217	5	increasing	increase	VERB
fsr-3930	217	6	in	in	ADP
fsr-3930	217	7	earned	earn	VERB
fsr-3930	217	8	income	income	NOUN
fsr-3930	217	9	;	;	PUNCT
fsr-3930	217	10	further	far	ADV
fsr-3930	217	11	,	,	PUNCT
fsr-3930	217	12	savings	saving	NOUN
fsr-3930	217	13	are	be	AUX
fsr-3930	217	14	likely	likely	ADV
fsr-3930	217	15	increasing	increase	VERB
fsr-3930	217	16	in	in	ADP
fsr-3930	217	17	income	income	NOUN
fsr-3930	217	18	.	.	PUNCT
fsr-3930	218	1	that	that	PRON
fsr-3930	218	2	is	be	AUX
fsr-3930	218	3	,	,	PUNCT
fsr-3930	218	4	both	both	PRON
fsr-3930	218	5	social	social	ADJ
fsr-3930	218	6	security	security	NOUN
fsr-3930	218	7	wealth	wealth	NOUN
fsr-3930	218	8	and	and	CCONJ
fsr-3930	218	9	financial	financial	ADJ
fsr-3930	218	10	portfolio	portfolio	NOUN
fsr-3930	218	11	value	value	NOUN
fsr-3930	218	12	are	be	AUX
fsr-3930	218	13	likely	likely	ADV
fsr-3930	218	14	correlated	correlate	VERB
fsr-3930	218	15	with	with	ADP
fsr-3930	218	16	earnings	earning	NOUN
fsr-3930	218	17	.	.	PUNCT
fsr-3930	219	1	although	although	SCONJ
fsr-3930	219	2	the	the	DET
fsr-3930	219	3	exact	exact	ADJ
fsr-3930	219	4	quantities	quantity	NOUN
fsr-3930	219	5	will	will	AUX
fsr-3930	219	6	differ	differ	VERB
fsr-3930	219	7	,	,	PUNCT
fsr-3930	219	8	qualitative	qualitative	ADJ
fsr-3930	219	9	conclusions	conclusion	NOUN
fsr-3930	219	10	drawn	draw	VERB
fsr-3930	219	11	from	from	ADP
fsr-3930	219	12	high	high	ADJ
fsr-3930	219	13	earners	earner	NOUN
fsr-3930	219	14	are	be	AUX
fsr-3930	219	15	relevant	relevant	ADJ
fsr-3930	219	16	across	across	ADP
fsr-3930	219	17	most	most	ADJ
fsr-3930	219	18	income	income	NOUN
fsr-3930	219	19	classes	class	NOUN
fsr-3930	219	20	.	.	PUNCT
fsr-3930	220	1	in	in	ADP
fsr-3930	220	2	support	support	NOUN
fsr-3930	220	3	of	of	ADP
fsr-3930	220	4	this	this	DET
fsr-3930	220	5	view	view	NOUN
fsr-3930	220	6	,	,	PUNCT
fsr-3930	220	7	we	we	PRON
fsr-3930	220	8	consider	consider	VERB
fsr-3930	220	9	a	a	DET
fsr-3930	220	10	lower	low	ADJ
fsr-3930	220	11	-	-	PUNCT
fsr-3930	220	12	income	income	NOUN
fsr-3930	220	13	case	case	NOUN
fsr-3930	220	14	in	in	ADP
fsr-3930	220	15	the	the	DET
fsr-3930	220	16	appendix	appendix	NOUN
fsr-3930	220	17	.	.	PUNCT
fsr-3930	221	1	we	we	PRON
fsr-3930	221	2	assume	assume	VERB
fsr-3930	221	3	our	our	PRON
fsr-3930	221	4	worker	worker	NOUN
fsr-3930	221	5	earns	earn	VERB
fsr-3930	221	6	$	$	SYM
fsr-3930	221	7	76,200	76,200	NUM
fsr-3930	221	8	in	in	ADP
fsr-3930	221	9	2000	2000	NUM
fsr-3930	221	10	—	—	PUNCT
fsr-3930	221	11	the	the	DET
fsr-3930	221	12	maximum	maximum	ADJ
fsr-3930	221	13	amount	amount	NOUN
fsr-3930	221	14	credited	credit	VERB
fsr-3930	221	15	to	to	ADP
fsr-3930	221	16	a	a	DET
fsr-3930	221	17	social	social	ADJ
fsr-3930	221	18	security	security	NOUN
fsr-3930	221	19	account	account	NOUN
fsr-3930	221	20	.	.	PUNCT
fsr-3930	222	1	we	we	PRON
fsr-3930	222	2	assume	assume	VERB
fsr-3930	222	3	the	the	DET
fsr-3930	222	4	worker	worker	NOUN
fsr-3930	222	5	earns	earn	VERB
fsr-3930	222	6	the	the	DET
fsr-3930	222	7	inflation	inflation	NOUN
fsr-3930	222	8	-	-	PUNCT
fsr-3930	222	9	adjusted	adjust	VERB
fsr-3930	222	10	equivalent	equivalent	NOUN
fsr-3930	222	11	of	of	ADP
fsr-3930	222	12	$	$	SYM
fsr-3930	222	13	76,200	76,200	NUM
fsr-3930	222	14	in	in	ADP
fsr-3930	222	15	all	all	DET
fsr-3930	222	16	years	year	NOUN
fsr-3930	222	17	before	before	ADP
fsr-3930	222	18	retirement	retirement	NOUN
fsr-3930	222	19	.	.	PUNCT
fsr-3930	223	1	this	this	PRON
fsr-3930	223	2	has	have	VERB
fsr-3930	223	3	several	several	ADJ
fsr-3930	223	4	consequences	consequence	NOUN
fsr-3930	223	5	.	.	PUNCT
fsr-3930	224	1	first	first	ADV
fsr-3930	224	2	,	,	PUNCT
fsr-3930	224	3	if	if	SCONJ
fsr-3930	224	4	earned	earn	VERB
fsr-3930	224	5	in	in	ADP
fsr-3930	224	6	the	the	DET
fsr-3930	224	7	topearning	topearning	NOUN
fsr-3930	224	8	thirty	thirty	NUM
fsr-3930	224	9	-	-	PUNCT
fsr-3930	224	10	five	five	NUM
fsr-3930	224	11	years	year	NOUN
fsr-3930	224	12	of	of	ADP
fsr-3930	224	13	working	work	VERB
fsr-3930	224	14	lifetime	lifetime	NOUN
fsr-3930	224	15	,	,	PUNCT
fsr-3930	224	16	this	this	PRON
fsr-3930	224	17	qualifies	qualify	VERB
fsr-3930	224	18	for	for	ADP
fsr-3930	224	19	maximum	maximum	ADJ
fsr-3930	224	20	retirement	retirement	NOUN
fsr-3930	224	21	benefits	benefit	NOUN
fsr-3930	224	22	.	.	PUNCT
fsr-3930	225	1	recall	recall	VERB
fsr-3930	225	2	that	that	PRON
fsr-3930	225	3	maximum	maximum	ADJ
fsr-3930	225	4	monthly	monthly	ADJ
fsr-3930	225	5	benefits	benefit	NOUN
fsr-3930	225	6	are	be	AUX
fsr-3930	225	7	$	$	SYM
fsr-3930	225	8	1,433	1,433	NUM
fsr-3930	225	9	in	in	ADP
fsr-3930	225	10	2000	2000	NUM
fsr-3930	225	11	.	.	PUNCT
fsr-3930	226	1	we	we	PRON
fsr-3930	226	2	assume	assume	VERB
fsr-3930	226	3	retirees	retiree	NOUN
fsr-3930	226	4	qualify	qualify	VERB
fsr-3930	226	5	for	for	ADP
fsr-3930	226	6	this	this	DET
fsr-3930	226	7	maximum	maximum	ADJ
fsr-3930	226	8	pia	pia	PROPN
fsr-3930	226	9	.	.	PUNCT
fsr-3930	227	1	second	second	ADJ
fsr-3930	227	2	,	,	PUNCT
fsr-3930	227	3	this	this	PRON
fsr-3930	227	4	means	mean	VERB
fsr-3930	227	5	the	the	DET
fsr-3930	227	6	worker	worker	NOUN
fsr-3930	227	7	never	never	ADV
fsr-3930	227	8	receives	receive	VERB
fsr-3930	227	9	any	any	DET
fsr-3930	227	10	real	real	ADJ
fsr-3930	227	11	wage	wage	NOUN
fsr-3930	227	12	increases	increase	NOUN
fsr-3930	227	13	.	.	PUNCT
fsr-3930	228	1	third	third	ADV
fsr-3930	228	2	,	,	PUNCT
fsr-3930	228	3	we	we	PRON
fsr-3930	228	4	use	use	VERB
fsr-3930	228	5	this	this	DET
fsr-3930	228	6	earnings	earning	NOUN
fsr-3930	228	7	stream	stream	NOUN
fsr-3930	228	8	to	to	PART
fsr-3930	228	9	compute	compute	VERB
fsr-3930	228	10	financial	financial	ADJ
fsr-3930	228	11	portfolio	portfolio	NOUN
fsr-3930	228	12	values	value	NOUN
fsr-3930	228	13	when	when	SCONJ
fsr-3930	228	14	we	we	PRON
fsr-3930	228	15	discuss	discuss	VERB
fsr-3930	228	16	asset	asset	NOUN
fsr-3930	228	17	allocation	allocation	NOUN
fsr-3930	228	18	implications	implication	NOUN
fsr-3930	228	19	.	.	PUNCT
fsr-3930	229	1	as	as	SCONJ
fsr-3930	229	2	we	we	PRON
fsr-3930	229	3	detail	detail	VERB
fsr-3930	229	4	there	there	ADV
fsr-3930	229	5	,	,	PUNCT
fsr-3930	229	6	these	these	DET
fsr-3930	229	7	last	last	ADJ
fsr-3930	229	8	two	two	NUM
fsr-3930	229	9	consequences	consequence	NOUN
fsr-3930	229	10	are	be	AUX
fsr-3930	229	11	conservative	conservative	ADJ
fsr-3930	229	12	—	—	PUNCT
fsr-3930	229	13	they	they	PRON
fsr-3930	229	14	reduce	reduce	VERB
fsr-3930	229	15	social	social	ADJ
fsr-3930	229	16	security	security	NOUN
fsr-3930	229	17	’s	’s	PART
fsr-3930	229	18	impact	impact	NOUN
fsr-3930	229	19	on	on	ADP
fsr-3930	229	20	portfolios	portfolio	NOUN
fsr-3930	229	21	.	.	PUNCT
fsr-3930	230	1	recall	recall	VERB
fsr-3930	230	2	that	that	DET
fsr-3930	230	3	income	income	NOUN
fsr-3930	230	4	earned	earn	VERB
fsr-3930	230	5	(	(	PUNCT
fsr-3930	230	6	above	above	ADP
fsr-3930	230	7	certain	certain	ADJ
fsr-3930	230	8	thresholds	threshold	NOUN
fsr-3930	230	9	)	)	PUNCT
fsr-3930	230	10	while	while	SCONJ
fsr-3930	230	11	receiving	receive	VERB
fsr-3930	230	12	social	social	ADJ
fsr-3930	230	13	security	security	NOUN
fsr-3930	230	14	reduces	reduce	VERB
fsr-3930	230	15	benefits	benefit	NOUN
fsr-3930	230	16	.	.	PUNCT
fsr-3930	231	1	we	we	PRON
fsr-3930	231	2	avoid	avoid	VERB
fsr-3930	231	3	this	this	DET
fsr-3930	231	4	complication	complication	NOUN
fsr-3930	231	5	by	by	ADP
fsr-3930	231	6	assuming	assume	VERB
fsr-3930	231	7	the	the	DET
fsr-3930	231	8	worker	worker	NOUN
fsr-3930	231	9	truly	truly	ADV
fsr-3930	231	10	retires	retire	VERB
fsr-3930	231	11	at	at	ADP
fsr-3930	231	12	62	62	NUM
fsr-3930	231	13	and	and	CCONJ
fsr-3930	231	14	has	have	VERB
fsr-3930	231	15	no	no	DET
fsr-3930	231	16	earned	earn	VERB
fsr-3930	231	17	income	income	NOUN
fsr-3930	231	18	.	.	PUNCT
fsr-3930	232	1	(	(	PUNCT
fsr-3930	232	2	how	how	SCONJ
fsr-3930	232	3	work	work	NOUN
fsr-3930	232	4	affects	affect	VERB
fsr-3930	232	5	your	your	PRON
fsr-3930	232	6	benefits	benefit	NOUN
fsr-3930	232	7	,	,	PUNCT
fsr-3930	232	8	a	a	DET
fsr-3930	232	9	social	social	ADJ
fsr-3930	232	10	security	security	NOUN
fsr-3930	232	11	administration	administration	NOUN
fsr-3930	232	12	publication	publication	NOUN
fsr-3930	232	13	(	(	PUNCT
fsr-3930	232	14	2000	2000	NUM
fsr-3930	232	15	)	)	PUNCT
fsr-3930	232	16	,	,	PUNCT
fsr-3930	232	17	says	say	VERB
fsr-3930	232	18	,	,	PUNCT
fsr-3930	232	19	“	"	PUNCT
fsr-3930	232	20	we	we	PRON
fsr-3930	232	21	do	do	AUX
fsr-3930	232	22	not	not	PART
fsr-3930	232	23	count	count	VERB
fsr-3930	232	24	nonwork	nonwork	NOUN
fsr-3930	232	25	income	income	NOUN
fsr-3930	232	26	such	such	ADJ
fsr-3930	232	27	as	as	ADP
fsr-3930	232	28	investment	investment	NOUN
fsr-3930	232	29	earnings	earning	NOUN
fsr-3930	232	30	,	,	PUNCT
fsr-3930	232	31	interest	interest	NOUN
fsr-3930	232	32	,	,	PUNCT
fsr-3930	232	33	pensions	pension	NOUN
fsr-3930	232	34	,	,	PUNCT
fsr-3930	232	35	annuities	annuity	NOUN
fsr-3930	232	36	,	,	PUNCT
fsr-3930	232	37	capital	capital	NOUN
fsr-3930	232	38	gains	gain	NOUN
fsr-3930	232	39	,	,	PUNCT
fsr-3930	232	40	and	and	CCONJ
fsr-3930	232	41	other	other	ADJ
fsr-3930	232	42	government	government	NOUN
fsr-3930	232	43	benefits	benefit	NOUN
fsr-3930	232	44	”	"	PUNCT
fsr-3930	232	45	for	for	ADP
fsr-3930	232	46	this	this	DET
fsr-3930	232	47	earnings	earning	NOUN
fsr-3930	232	48	test	test	NOUN
fsr-3930	232	49	.	.	PUNCT
fsr-3930	232	50	)	)	PUNCT
fsr-3930	233	1	we	we	PRON
fsr-3930	233	2	assume	assume	VERB
fsr-3930	233	3	the	the	DET
fsr-3930	233	4	high	high	ADJ
fsr-3930	233	5	-	-	PUNCT
fsr-3930	233	6	earner	earner	NOUN
fsr-3930	233	7	retiree	retiree	NOUN
fsr-3930	233	8	receives	receive	VERB
fsr-3930	233	9	sufficient	sufficient	ADJ
fsr-3930	233	10	unearned	unearned	ADJ
fsr-3930	233	11	income	income	NOUN
fsr-3930	233	12	from	from	ADP
fsr-3930	233	13	other	other	ADJ
fsr-3930	233	14	sources	source	NOUN
fsr-3930	233	15	to	to	PART
fsr-3930	233	16	force	force	VERB
fsr-3930	233	17	the	the	DET
fsr-3930	233	18	maximum	maximum	ADJ
fsr-3930	233	19	85	85	NUM
fsr-3930	233	20	%	%	NOUN
fsr-3930	233	21	taxation	taxation	NOUN
fsr-3930	233	22	of	of	ADP
fsr-3930	233	23	social	social	ADJ
fsr-3930	233	24	security	security	NOUN
fsr-3930	233	25	benefits	benefit	NOUN
fsr-3930	233	26	.	.	PUNCT
fsr-3930	234	1	that	that	ADV
fsr-3930	234	2	is	is	ADV
fsr-3930	234	3	,	,	PUNCT
fsr-3930	234	4	the	the	DET
fsr-3930	234	5	retiree	retiree	NOUN
fsr-3930	234	6	’s	’s	PART
fsr-3930	234	7	annual	annual	ADJ
fsr-3930	234	8	income	income	NOUN
fsr-3930	234	9	from	from	ADP
fsr-3930	234	10	all	all	DET
fsr-3930	234	11	sources	source	NOUN
fsr-3930	234	12	exceeds	exceed	VERB
fsr-3930	234	13	$	$	SYM
fsr-3930	234	14	34,000	34,000	NUM
fsr-3930	234	15	if	if	SCONJ
fsr-3930	234	16	single	single	ADJ
fsr-3930	234	17	or	or	CCONJ
fsr-3930	234	18	$	$	SYM
fsr-3930	234	19	44,000	44,000	NUM
fsr-3930	234	20	if	if	SCONJ
fsr-3930	234	21	married	married	ADJ
fsr-3930	234	22	.	.	PUNCT
fsr-3930	235	1	this	this	DET
fsr-3930	235	2	assumption	assumption	NOUN
fsr-3930	235	3	makes	make	VERB
fsr-3930	235	4	social	social	ADJ
fsr-3930	235	5	security	security	NOUN
fsr-3930	235	6	benefits	benefit	NOUN
fsr-3930	235	7	very	very	ADV
fsr-3930	235	8	similar	similar	ADJ
fsr-3930	235	9	to	to	ADP
fsr-3930	235	10	other	other	ADJ
fsr-3930	235	11	income	income	NOUN
fsr-3930	235	12	with	with	ADP
fsr-3930	235	13	respect	respect	NOUN
fsr-3930	235	14	to	to	ADP
fsr-3930	235	15	taxes	taxis	NOUN
fsr-3930	235	16	and	and	CCONJ
fsr-3930	235	17	forces	force	VERB
fsr-3930	235	18	a	a	DET
fsr-3930	235	19	lower	low	ADJ
fsr-3930	235	20	value	value	NOUN
fsr-3930	235	21	of	of	ADP
fsr-3930	235	22	social	social	ADJ
fsr-3930	235	23	security	security	NOUN
fsr-3930	235	24	benefits	benefit	NOUN
fsr-3930	235	25	.	.	PUNCT
fsr-3930	236	1	if	if	SCONJ
fsr-3930	236	2	a	a	DET
fsr-3930	236	3	retiree	retiree	NOUN
fsr-3930	236	4	had	have	VERB
fsr-3930	236	5	lower	low	ADJ
fsr-3930	236	6	income	income	NOUN
fsr-3930	236	7	from	from	ADP
fsr-3930	236	8	other	other	ADJ
fsr-3930	236	9	sources	source	NOUN
fsr-3930	236	10	,	,	PUNCT
fsr-3930	236	11	this	this	PRON
fsr-3930	236	12	would	would	AUX
fsr-3930	236	13	shield	shield	VERB
fsr-3930	236	14	some	some	DET
fsr-3930	236	15	social	social	ADJ
fsr-3930	236	16	security	security	NOUN
fsr-3930	236	17	benefits	benefit	NOUN
fsr-3930	236	18	from	from	ADP
fsr-3930	236	19	taxes	taxis	NOUN
fsr-3930	236	20	.	.	PUNCT
fsr-3930	237	1	this	this	DET
fsr-3930	237	2	higher	high	ADJ
fsr-3930	237	3	tax	tax	NOUN
fsr-3930	237	4	shield	shield	NOUN
fsr-3930	237	5	would	would	AUX
fsr-3930	237	6	necessitate	necessitate	VERB
fsr-3930	237	7	decreasing	decrease	VERB
fsr-3930	237	8	the	the	DET
fsr-3930	237	9	discount	discount	NOUN
fsr-3930	237	10	rate	rate	NOUN
fsr-3930	237	11	on	on	ADP
fsr-3930	237	12	social	social	ADJ
fsr-3930	237	13	security	security	NOUN
fsr-3930	237	14	benefits	benefit	NOUN
fsr-3930	237	15	to	to	PART
fsr-3930	237	16	keep	keep	VERB
fsr-3930	237	17	it	it	PRON
fsr-3930	237	18	equivalent	equivalent	ADJ
fsr-3930	237	19	to	to	ADP
fsr-3930	237	20	taxable	taxable	ADJ
fsr-3930	237	21	tips	tip	NOUN
fsr-3930	237	22	yields	yield	NOUN
fsr-3930	237	23	;	;	PUNCT
fsr-3930	237	24	such	such	DET
fsr-3930	237	25	a	a	DET
fsr-3930	237	26	lower	low	ADJ
fsr-3930	237	27	discount	discount	NOUN
fsr-3930	237	28	rate	rate	NOUN
fsr-3930	237	29	would	would	AUX
fsr-3930	237	30	increase	increase	VERB
fsr-3930	237	31	the	the	DET
fsr-3930	237	32	value	value	NOUN
fsr-3930	237	33	of	of	ADP
fsr-3930	237	34	social	social	ADJ
fsr-3930	237	35	security	security	NOUN
fsr-3930	237	36	wealth	wealth	NOUN
fsr-3930	237	37	.	.	PUNCT
fsr-3930	238	1	lower	low	ADJ
fsr-3930	238	2	social	social	ADJ
fsr-3930	238	3	security	security	NOUN
fsr-3930	238	4	values	value	NOUN
fsr-3930	238	5	are	be	AUX
fsr-3930	238	6	conservative	conservative	ADJ
fsr-3930	238	7	with	with	ADP
fsr-3930	238	8	respect	respect	NOUN
fsr-3930	238	9	to	to	ADP
fsr-3930	238	10	our	our	PRON
fsr-3930	238	11	conclusion	conclusion	NOUN
fsr-3930	238	12	that	that	SCONJ
fsr-3930	238	13	social	social	ADJ
fsr-3930	238	14	security	security	NOUN
fsr-3930	238	15	has	have	AUX
fsr-3930	238	16	dramatic	dramatic	ADJ
fsr-3930	238	17	portfolio	portfolio	NOUN
fsr-3930	238	18	implications	implication	NOUN
fsr-3930	238	19	.	.	PUNCT
fsr-3930	239	1	we	we	PRON
fsr-3930	239	2	compute	compute	VERB
fsr-3930	239	3	the	the	DET
fsr-3930	239	4	present	present	ADJ
fsr-3930	239	5	value	value	NOUN
fsr-3930	239	6	of	of	ADP
fsr-3930	239	7	these	these	DET
fsr-3930	239	8	cash	cash	NOUN
fsr-3930	239	9	flows	flow	NOUN
fsr-3930	239	10	—	—	PUNCT
fsr-3930	239	11	on	on	ADP
fsr-3930	239	12	a	a	DET
fsr-3930	239	13	pretax	pretax	ADJ
fsr-3930	239	14	basis	basis	NOUN
fsr-3930	239	15	.	.	PUNCT
fsr-3930	240	1	this	this	DET
fsr-3930	240	2	pretax	pretax	ADJ
fsr-3930	240	3	basis	basis	NOUN
fsr-3930	240	4	allows	allow	VERB
fsr-3930	240	5	direct	direct	ADJ
fsr-3930	240	6	comparability	comparability	NOUN
fsr-3930	240	7	of	of	ADP
fsr-3930	240	8	social	social	ADJ
fsr-3930	240	9	security	security	NOUN
fsr-3930	240	10	wealth	wealth	NOUN
fsr-3930	240	11	to	to	ADP
fsr-3930	240	12	other	other	ADJ
fsr-3930	240	13	portfolio	portfolio	NOUN
fsr-3930	240	14	assets	asset	NOUN
fsr-3930	240	15	.	.	PUNCT
fsr-3930	241	1	while	while	SCONJ
fsr-3930	241	2	reichenstein	reichenstein	NOUN
fsr-3930	241	3	(	(	PUNCT
fsr-3930	241	4	1998	1998	NUM
fsr-3930	241	5	,	,	PUNCT
fsr-3930	241	6	2000	2000	NUM
fsr-3930	241	7	)	)	PUNCT
fsr-3930	241	8	argues	argue	VERB
fsr-3930	241	9	(	(	PUNCT
fsr-3930	241	10	appropriately	appropriately	ADV
fsr-3930	241	11	,	,	PUNCT
fsr-3930	241	12	in	in	ADP
fsr-3930	241	13	our	our	PRON
fsr-3930	241	14	view	view	NOUN
fsr-3930	241	15	)	)	PUNCT
fsr-3930	241	16	for	for	ADP
fsr-3930	241	17	after	after	ADP
fsr-3930	241	18	-	-	PUNCT
fsr-3930	241	19	tax	tax	NOUN
fsr-3930	241	20	valuation	valuation	NOUN
fsr-3930	241	21	of	of	ADP
fsr-3930	241	22	portfolio	portfolio	NOUN
fsr-3930	241	23	assets	asset	NOUN
fsr-3930	241	24	,	,	PUNCT
fsr-3930	241	25	pretax	pretax	ADJ
fsr-3930	241	26	valuation	valuation	NOUN
fsr-3930	241	27	is	be	AUX
fsr-3930	241	28	much	much	ADV
fsr-3930	241	29	more	more	ADV
fsr-3930	241	30	common	common	ADJ
fsr-3930	241	31	.	.	PUNCT
fsr-3930	242	1	pretax	pretax	ADJ
fsr-3930	242	2	valuation	valuation	NOUN
fsr-3930	242	3	also	also	ADV
fsr-3930	242	4	avoids	avoid	VERB
fsr-3930	242	5	the	the	DET
fsr-3930	242	6	complexities	complexity	NOUN
fsr-3930	242	7	of	of	ADP
fsr-3930	242	8	social	social	ADJ
fsr-3930	242	9	security	security	NOUN
fsr-3930	242	10	taxation	taxation	NOUN
fsr-3930	242	11	(	(	PUNCT
fsr-3930	242	12	thomas	thomas	PROPN
fsr-3930	242	13	,	,	PUNCT
fsr-3930	242	14	1999	1999	NUM
fsr-3930	242	15	)	)	PUNCT
fsr-3930	242	16	.	.	PUNCT
fsr-3930	243	1	302	302	NUM
fsr-3930	243	2	s.p	s.p	PROPN
fsr-3930	243	3	.	.	PROPN
fsr-3930	243	4	fraser	fraser	PROPN
fsr-3930	243	5	et	et	PROPN
fsr-3930	243	6	al	al	PROPN
fsr-3930	243	7	.	.	PUNCT
fsr-3930	243	8	/	/	SYM
fsr-3930	243	9	financial	financial	ADJ
fsr-3930	243	10	services	service	NOUN
fsr-3930	243	11	review	review	VERB
fsr-3930	243	12	9	9	NUM
fsr-3930	243	13	(	(	PUNCT
fsr-3930	243	14	2000	2000	NUM
fsr-3930	243	15	)	)	PUNCT
fsr-3930	244	1	295–326	295–326	NUM
fsr-3930	244	2	in	in	ADP
fsr-3930	244	3	summary	summary	NOUN
fsr-3930	244	4	,	,	PUNCT
fsr-3930	244	5	we	we	PRON
fsr-3930	244	6	discount	discount	VERB
fsr-3930	244	7	the	the	DET
fsr-3930	244	8	maximum	maximum	ADJ
fsr-3930	244	9	pia	pia	NOUN
fsr-3930	244	10	(	(	PUNCT
fsr-3930	244	11	adjusted	adjust	VERB
fsr-3930	244	12	for	for	ADP
fsr-3930	244	13	early	early	ADJ
fsr-3930	244	14	retirement	retirement	NOUN
fsr-3930	244	15	)	)	PUNCT
fsr-3930	244	16	over	over	ADP
fsr-3930	244	17	the	the	DET
fsr-3930	244	18	timeline	timeline	NOUN
fsr-3930	244	19	discussed	discuss	VERB
fsr-3930	244	20	.	.	PUNCT
fsr-3930	245	1	this	this	DET
fsr-3930	245	2	maximum	maximum	ADJ
fsr-3930	245	3	pia	pia	PROPN
fsr-3930	245	4	is	be	AUX
fsr-3930	245	5	constant	constant	ADJ
fsr-3930	245	6	in	in	ADP
fsr-3930	245	7	real	real	ADJ
fsr-3930	245	8	,	,	PUNCT
fsr-3930	245	9	not	not	PART
fsr-3930	245	10	nominal	nominal	ADJ
fsr-3930	245	11	,	,	PUNCT
fsr-3930	245	12	dollars	dollar	NOUN
fsr-3930	245	13	.	.	PUNCT
fsr-3930	246	1	for	for	ADP
fsr-3930	246	2	married	married	ADJ
fsr-3930	246	3	workers	worker	NOUN
fsr-3930	246	4	,	,	PUNCT
fsr-3930	246	5	we	we	PRON
fsr-3930	246	6	assume	assume	VERB
fsr-3930	246	7	the	the	DET
fsr-3930	246	8	spouse	spouse	NOUN
fsr-3930	246	9	never	never	ADV
fsr-3930	246	10	worked	work	VERB
fsr-3930	246	11	;	;	PUNCT
fsr-3930	246	12	the	the	DET
fsr-3930	246	13	spouse	spouse	NOUN
fsr-3930	246	14	receives	receive	VERB
fsr-3930	246	15	benefits	benefit	NOUN
fsr-3930	246	16	based	base	VERB
fsr-3930	246	17	on	on	ADP
fsr-3930	246	18	the	the	DET
fsr-3930	246	19	worker	worker	NOUN
fsr-3930	246	20	’s	’s	PART
fsr-3930	246	21	income	income	NOUN
fsr-3930	246	22	,	,	PUNCT
fsr-3930	246	23	not	not	PART
fsr-3930	246	24	his	his	PRON
fsr-3930	246	25	/	/	SYM
fsr-3930	246	26	her	her	PRON
fsr-3930	246	27	own	own	ADJ
fsr-3930	246	28	.	.	PUNCT
fsr-3930	247	1	we	we	PRON
fsr-3930	247	2	add	add	VERB
fsr-3930	247	3	the	the	DET
fsr-3930	247	4	50	50	NUM
fsr-3930	247	5	%	%	NOUN
fsr-3930	247	6	spousal	spousal	NOUN
fsr-3930	247	7	benefit	benefit	NOUN
fsr-3930	247	8	over	over	ADP
fsr-3930	247	9	the	the	DET
fsr-3930	247	10	same	same	ADJ
fsr-3930	247	11	timeline	timeline	NOUN
fsr-3930	247	12	used	use	VERB
fsr-3930	247	13	for	for	ADP
fsr-3930	247	14	single	single	ADJ
fsr-3930	247	15	retirees	retiree	NOUN
fsr-3930	247	16	.	.	PUNCT
fsr-3930	248	1	finally	finally	ADV
fsr-3930	248	2	,	,	PUNCT
fsr-3930	248	3	we	we	PRON
fsr-3930	248	4	then	then	ADV
fsr-3930	248	5	replace	replace	VERB
fsr-3930	248	6	the	the	DET
fsr-3930	248	7	worker	worker	NOUN
fsr-3930	248	8	-	-	PUNCT
fsr-3930	248	9	plus	plus	CCONJ
fsr-3930	248	10	-	-	PUNCT
fsr-3930	248	11	spousal	spousal	NOUN
fsr-3930	248	12	150	150	NUM
fsr-3930	248	13	%	%	NOUN
fsr-3930	248	14	with	with	ADP
fsr-3930	248	15	the	the	DET
fsr-3930	248	16	survivor	survivor	NOUN
fsr-3930	248	17	’s	’s	NOUN
fsr-3930	248	18	[	[	X
fsr-3930	248	19	either	either	CCONJ
fsr-3930	248	20	worker	worker	NOUN
fsr-3930	248	21	’s	’s	PART
fsr-3930	248	22	or	or	CCONJ
fsr-3930	248	23	widow(er	widow(er	NOUN
fsr-3930	248	24	)	)	PUNCT
fsr-3930	248	25	’s	’s	PART
fsr-3930	248	26	]	]	PUNCT
fsr-3930	248	27	100	100	NUM
fsr-3930	248	28	%	%	NOUN
fsr-3930	248	29	for	for	ADP
fsr-3930	248	30	the	the	DET
fsr-3930	248	31	years	year	NOUN
fsr-3930	248	32	the	the	DET
fsr-3930	248	33	joint	joint	ADJ
fsr-3930	248	34	life	life	NOUN
fsr-3930	248	35	expectancy	expectancy	NOUN
fsr-3930	248	36	exceeds	exceed	VERB
fsr-3930	248	37	the	the	DET
fsr-3930	248	38	single	single	ADJ
fsr-3930	248	39	life	life	NOUN
fsr-3930	248	40	expectancy	expectancy	NOUN
fsr-3930	248	41	.	.	PUNCT
fsr-3930	249	1	3.3.3	3.3.3	X
fsr-3930	249	2	.	.	PUNCT
fsr-3930	250	1	discounting	discount	VERB
fsr-3930	250	2	the	the	DET
fsr-3930	250	3	cash	cash	NOUN
fsr-3930	250	4	flows	flow	VERB
fsr-3930	250	5	we	we	PRON
fsr-3930	250	6	discount	discount	VERB
fsr-3930	250	7	the	the	DET
fsr-3930	250	8	constant	constant	ADJ
fsr-3930	250	9	real	real	ADJ
fsr-3930	250	10	cash	cash	NOUN
fsr-3930	250	11	flows	flow	NOUN
fsr-3930	250	12	using	use	VERB
fsr-3930	250	13	a	a	DET
fsr-3930	250	14	3.95	3.95	NUM
fsr-3930	250	15	%	%	NOUN
fsr-3930	250	16	real	real	ADJ
fsr-3930	250	17	yield	yield	NOUN
fsr-3930	250	18	to	to	ADP
fsr-3930	250	19	maturity	maturity	NOUN
fsr-3930	250	20	on	on	ADP
fsr-3930	250	21	inflation	inflation	NOUN
fsr-3930	250	22	-	-	PUNCT
fsr-3930	250	23	indexed	index	VERB
fsr-3930	250	24	treasury	treasury	NOUN
fsr-3930	250	25	securities	security	NOUN
fsr-3930	250	26	from	from	ADP
fsr-3930	250	27	june	june	PROPN
fsr-3930	250	28	2000	2000	NUM
fsr-3930	250	29	;	;	PUNCT
fsr-3930	250	30	we	we	PRON
fsr-3930	250	31	do	do	AUX
fsr-3930	250	32	so	so	ADV
fsr-3930	250	33	based	base	VERB
fsr-3930	250	34	on	on	ADP
fsr-3930	250	35	the	the	DET
fsr-3930	250	36	similarities	similarity	NOUN
fsr-3930	250	37	between	between	ADP
fsr-3930	250	38	tips	tip	NOUN
fsr-3930	250	39	and	and	CCONJ
fsr-3930	250	40	social	social	ADJ
fsr-3930	250	41	security	security	NOUN
fsr-3930	250	42	that	that	PRON
fsr-3930	250	43	we	we	PRON
fsr-3930	250	44	noted	note	VERB
fsr-3930	250	45	earlier	early	ADV
fsr-3930	250	46	.	.	PUNCT
fsr-3930	251	1	our	our	PRON
fsr-3930	251	2	approach	approach	NOUN
fsr-3930	251	3	is	be	AUX
fsr-3930	251	4	not	not	PART
fsr-3930	251	5	the	the	DET
fsr-3930	251	6	first	first	ADJ
fsr-3930	251	7	to	to	PART
fsr-3930	251	8	use	use	VERB
fsr-3930	251	9	real	real	ADJ
fsr-3930	251	10	rates	rate	NOUN
fsr-3930	251	11	to	to	PART
fsr-3930	251	12	value	value	VERB
fsr-3930	251	13	social	social	ADJ
fsr-3930	251	14	security	security	NOUN
fsr-3930	251	15	benefits	benefit	NOUN
fsr-3930	251	16	.	.	PUNCT
fsr-3930	252	1	newmark	newmark	PROPN
fsr-3930	252	2	and	and	CCONJ
fsr-3930	252	3	walden	walden	PROPN
fsr-3930	252	4	(	(	PUNCT
fsr-3930	252	5	1995	1995	NUM
fsr-3930	252	6	)	)	PUNCT
fsr-3930	252	7	suggest	suggest	VERB
fsr-3930	252	8	a	a	DET
fsr-3930	252	9	1%–3	1%–3	NUM
fsr-3930	252	10	%	%	NOUN
fsr-3930	252	11	range	range	NOUN
fsr-3930	252	12	is	be	AUX
fsr-3930	252	13	appropriate	appropriate	ADJ
fsr-3930	252	14	for	for	ADP
fsr-3930	252	15	most	most	ADJ
fsr-3930	252	16	individuals	individual	NOUN
fsr-3930	252	17	.	.	PUNCT
fsr-3930	253	1	steuerle	steuerle	PROPN
fsr-3930	253	2	(	(	PUNCT
fsr-3930	253	3	1996	1996	NUM
fsr-3930	253	4	)	)	PUNCT
fsr-3930	253	5	uses	use	VERB
fsr-3930	253	6	a	a	DET
fsr-3930	253	7	2	2	NUM
fsr-3930	253	8	%	%	NOUN
fsr-3930	253	9	rate	rate	NOUN
fsr-3930	253	10	.	.	PUNCT
fsr-3930	254	1	neither	neither	CCONJ
fsr-3930	254	2	,	,	PUNCT
fsr-3930	254	3	however	however	ADV
fsr-3930	254	4	,	,	PUNCT
fsr-3930	254	5	used	use	VERB
fsr-3930	254	6	market	market	NOUN
fsr-3930	254	7	-	-	PUNCT
fsr-3930	254	8	based	base	VERB
fsr-3930	254	9	real	real	ADJ
fsr-3930	254	10	rates	rate	NOUN
fsr-3930	254	11	.	.	PUNCT
fsr-3930	255	1	our	our	PRON
fsr-3930	255	2	market	market	NOUN
fsr-3930	255	3	-	-	PUNCT
fsr-3930	255	4	based	base	VERB
fsr-3930	255	5	rates	rate	NOUN
fsr-3930	255	6	provide	provide	VERB
fsr-3930	255	7	an	an	DET
fsr-3930	255	8	unbiased	unbiased	ADJ
fsr-3930	255	9	valuation	valuation	NOUN
fsr-3930	255	10	.	.	PUNCT
fsr-3930	256	1	in	in	ADP
fsr-3930	256	2	the	the	DET
fsr-3930	256	3	remainder	remainder	NOUN
fsr-3930	256	4	of	of	ADP
fsr-3930	256	5	this	this	DET
fsr-3930	256	6	subsection	subsection	NOUN
fsr-3930	256	7	,	,	PUNCT
fsr-3930	256	8	we	we	PRON
fsr-3930	256	9	consider	consider	VERB
fsr-3930	256	10	alternate	alternate	ADJ
fsr-3930	256	11	discount	discount	NOUN
fsr-3930	256	12	rate	rate	NOUN
fsr-3930	256	13	approaches	approach	NOUN
fsr-3930	256	14	.	.	PUNCT
fsr-3930	257	1	the	the	DET
fsr-3930	257	2	discount	discount	NOUN
fsr-3930	257	3	rate	rate	NOUN
fsr-3930	257	4	for	for	ADP
fsr-3930	257	5	valuing	value	VERB
fsr-3930	257	6	social	social	ADJ
fsr-3930	257	7	security	security	NOUN
fsr-3930	257	8	benefits	benefit	NOUN
fsr-3930	257	9	should	should	AUX
fsr-3930	257	10	be	be	AUX
fsr-3930	257	11	based	base	VERB
fsr-3930	257	12	only	only	ADV
fsr-3930	257	13	on	on	ADP
fsr-3930	257	14	expected	expect	VERB
fsr-3930	257	15	future	future	ADJ
fsr-3930	257	16	cash	cash	NOUN
fsr-3930	257	17	flows	flow	NOUN
fsr-3930	257	18	.	.	PUNCT
fsr-3930	258	1	it	it	PRON
fsr-3930	258	2	should	should	AUX
fsr-3930	258	3	not	not	PART
fsr-3930	258	4	be	be	AUX
fsr-3930	258	5	a	a	DET
fsr-3930	258	6	function	function	NOUN
fsr-3930	258	7	of	of	ADP
fsr-3930	258	8	imputed	impute	VERB
fsr-3930	258	9	returns	return	NOUN
fsr-3930	258	10	on	on	ADP
fsr-3930	258	11	past	past	ADJ
fsr-3930	258	12	contributions	contribution	NOUN
fsr-3930	258	13	.	.	PUNCT
fsr-3930	259	1	many	many	ADJ
fsr-3930	259	2	find	find	VERB
fsr-3930	259	3	the	the	DET
fsr-3930	259	4	imputed	impute	VERB
fsr-3930	259	5	returns	return	NOUN
fsr-3930	259	6	on	on	ADP
fsr-3930	259	7	social	social	ADJ
fsr-3930	259	8	security	security	NOUN
fsr-3930	259	9	are	be	AUX
fsr-3930	259	10	very	very	ADV
fsr-3930	259	11	low	low	ADJ
fsr-3930	259	12	or	or	CCONJ
fsr-3930	259	13	negative	negative	ADJ
fsr-3930	259	14	(	(	PUNCT
fsr-3930	259	15	see	see	VERB
fsr-3930	259	16	steuerle	steuerle	NOUN
fsr-3930	259	17	&	&	CCONJ
fsr-3930	259	18	bakija	bakija	NOUN
fsr-3930	259	19	,	,	PUNCT
fsr-3930	259	20	1994	1994	NUM
fsr-3930	259	21	)	)	PUNCT
fsr-3930	259	22	.	.	PUNCT
fsr-3930	260	1	leimer	leimer	NOUN
fsr-3930	260	2	(	(	PUNCT
fsr-3930	260	3	1995	1995	NUM
fsr-3930	260	4	)	)	PUNCT
fsr-3930	260	5	and	and	CCONJ
fsr-3930	260	6	munnell	munnell	PROPN
fsr-3930	260	7	(	(	PUNCT
fsr-3930	260	8	1998	1998	NUM
fsr-3930	260	9	)	)	PUNCT
fsr-3930	260	10	calculate	calculate	VERB
fsr-3930	260	11	them	they	PRON
fsr-3930	260	12	to	to	PART
fsr-3930	260	13	be	be	AUX
fsr-3930	260	14	less	less	ADJ
fsr-3930	260	15	than	than	ADP
fsr-3930	260	16	2	2	NUM
fsr-3930	260	17	%	%	NOUN
fsr-3930	260	18	.	.	PUNCT
fsr-3930	261	1	further	far	ADV
fsr-3930	261	2	,	,	PUNCT
fsr-3930	261	3	investment	investment	NOUN
fsr-3930	261	4	in	in	ADP
fsr-3930	261	5	social	social	ADJ
fsr-3930	261	6	security	security	NOUN
fsr-3930	261	7	is	be	AUX
fsr-3930	261	8	not	not	PART
fsr-3930	261	9	a	a	DET
fsr-3930	261	10	choice	choice	NOUN
fsr-3930	261	11	.	.	PUNCT
fsr-3930	262	1	if	if	SCONJ
fsr-3930	262	2	it	it	PRON
fsr-3930	262	3	were	be	AUX
fsr-3930	262	4	,	,	PUNCT
fsr-3930	262	5	these	these	DET
fsr-3930	262	6	imputed	impute	VERB
fsr-3930	262	7	returns	return	NOUN
fsr-3930	262	8	would	would	AUX
fsr-3930	262	9	be	be	AUX
fsr-3930	262	10	more	more	ADV
fsr-3930	262	11	relevant	relevant	ADJ
fsr-3930	262	12	to	to	ADP
fsr-3930	262	13	our	our	PRON
fsr-3930	262	14	valuation	valuation	NOUN
fsr-3930	262	15	and	and	CCONJ
fsr-3930	262	16	asset	asset	NOUN
fsr-3930	262	17	mix	mix	NOUN
fsr-3930	262	18	analysis	analysis	NOUN
fsr-3930	262	19	.	.	PUNCT
fsr-3930	263	1	our	our	PRON
fsr-3930	263	2	approach	approach	NOUN
fsr-3930	263	3	relies	rely	VERB
fsr-3930	263	4	on	on	ADP
fsr-3930	263	5	the	the	DET
fsr-3930	263	6	market	market	NOUN
fsr-3930	263	7	yield	yield	NOUN
fsr-3930	263	8	-	-	PUNCT
fsr-3930	263	9	to	to	ADP
fsr-3930	263	10	-	-	PUNCT
fsr-3930	263	11	maturity	maturity	NOUN
fsr-3930	263	12	curve	curve	NOUN
fsr-3930	263	13	rather	rather	ADV
fsr-3930	263	14	than	than	ADP
fsr-3930	263	15	attempting	attempt	VERB
fsr-3930	263	16	to	to	PART
fsr-3930	263	17	develop	develop	VERB
fsr-3930	263	18	a	a	DET
fsr-3930	263	19	theoretical	theoretical	ADJ
fsr-3930	263	20	spot	spot	NOUN
fsr-3930	263	21	rate	rate	NOUN
fsr-3930	263	22	curve	curve	NOUN
fsr-3930	263	23	to	to	PART
fsr-3930	263	24	discount	discount	VERB
fsr-3930	263	25	each	each	DET
fsr-3930	263	26	social	social	ADJ
fsr-3930	263	27	security	security	NOUN
fsr-3930	263	28	payment	payment	NOUN
fsr-3930	263	29	at	at	ADP
fsr-3930	263	30	an	an	DET
fsr-3930	263	31	exact	exact	ADJ
fsr-3930	263	32	rate	rate	NOUN
fsr-3930	263	33	.	.	PUNCT
fsr-3930	264	1	using	use	VERB
fsr-3930	264	2	market	market	NOUN
fsr-3930	264	3	yields	yield	NOUN
fsr-3930	264	4	is	be	AUX
fsr-3930	264	5	not	not	PART
fsr-3930	264	6	problematic	problematic	ADJ
fsr-3930	264	7	—	—	PUNCT
fsr-3930	264	8	the	the	DET
fsr-3930	264	9	tips	tip	NOUN
fsr-3930	264	10	yield	yield	NOUN
fsr-3930	264	11	curve	curve	NOUN
fsr-3930	264	12	is	be	AUX
fsr-3930	264	13	very	very	ADV
fsr-3930	264	14	flat	flat	ADJ
fsr-3930	264	15	,	,	PUNCT
fsr-3930	264	16	so	so	CCONJ
fsr-3930	264	17	the	the	DET
fsr-3930	264	18	inaccuracy	inaccuracy	NOUN
fsr-3930	264	19	is	be	AUX
fsr-3930	264	20	slight	slight	ADJ
fsr-3930	264	21	.	.	PUNCT
fsr-3930	265	1	we	we	PRON
fsr-3930	265	2	do	do	AUX
fsr-3930	265	3	not	not	PART
fsr-3930	265	4	make	make	VERB
fsr-3930	265	5	risk	risk	NOUN
fsr-3930	265	6	adjustments	adjustment	NOUN
fsr-3930	265	7	to	to	ADP
fsr-3930	265	8	the	the	DET
fsr-3930	265	9	discount	discount	NOUN
fsr-3930	265	10	rate	rate	NOUN
fsr-3930	265	11	;	;	PUNCT
fsr-3930	265	12	we	we	PRON
fsr-3930	265	13	rely	rely	VERB
fsr-3930	265	14	on	on	ADP
fsr-3930	265	15	the	the	DET
fsr-3930	265	16	risk	risk	NOUN
fsr-3930	265	17	-	-	PUNCT
fsr-3930	265	18	free	free	ADJ
fsr-3930	265	19	tips	tip	NOUN
fsr-3930	265	20	return	return	VERB
fsr-3930	265	21	.	.	PUNCT
fsr-3930	266	1	instead	instead	ADV
fsr-3930	266	2	,	,	PUNCT
fsr-3930	266	3	we	we	PRON
fsr-3930	266	4	incorporate	incorporate	VERB
fsr-3930	266	5	risk	risk	NOUN
fsr-3930	266	6	via	via	ADP
fsr-3930	266	7	the	the	DET
fsr-3930	266	8	options	option	NOUN
fsr-3930	266	9	approach	approach	NOUN
fsr-3930	266	10	discussed	discuss	VERB
fsr-3930	266	11	in	in	ADP
fsr-3930	266	12	section	section	NOUN
fsr-3930	266	13	3.4	3.4	NUM
fsr-3930	266	14	.	.	PUNCT
fsr-3930	267	1	3.3.4	3.3.4	NUM
fsr-3930	267	2	.	.	PUNCT
fsr-3930	267	3	results	result	NOUN
fsr-3930	267	4	of	of	ADP
fsr-3930	267	5	discounted	discount	VERB
fsr-3930	267	6	cash	cash	NOUN
fsr-3930	267	7	flow	flow	NOUN
fsr-3930	267	8	table	table	NOUN
fsr-3930	267	9	1	1	NUM
fsr-3930	267	10	presents	present	VERB
fsr-3930	267	11	our	our	PRON
fsr-3930	267	12	estimates	estimate	NOUN
fsr-3930	267	13	of	of	ADP
fsr-3930	267	14	the	the	DET
fsr-3930	267	15	net	net	ADJ
fsr-3930	267	16	present	present	ADJ
fsr-3930	267	17	value	value	NOUN
fsr-3930	267	18	of	of	ADP
fsr-3930	267	19	social	social	ADJ
fsr-3930	267	20	security	security	NOUN
fsr-3930	267	21	benefits	benefit	NOUN
fsr-3930	267	22	.	.	PUNCT
fsr-3930	268	1	it	it	PRON
fsr-3930	268	2	relies	rely	VERB
fsr-3930	268	3	on	on	ADP
fsr-3930	268	4	the	the	DET
fsr-3930	268	5	formula	formula	NOUN
fsr-3930	268	6	described	describe	VERB
fsr-3930	268	7	above	above	ADV
fsr-3930	268	8	and	and	CCONJ
fsr-3930	268	9	detailed	detail	VERB
fsr-3930	268	10	here	here	ADV
fsr-3930	268	11	.	.	PUNCT
fsr-3930	269	1	valuess	valuess	PROPN
fsr-3930	269	2	�	�	PROPN
fsr-3930	269	3	1	1	NUM
fsr-3930	269	4	�	�	PROPN
fsr-3930	269	5	1	1	NUM
fsr-3930	269	6	�	�	PROPN
fsr-3930	269	7	tips	tip	NOUN
fsr-3930	269	8	yield	yield	VERB
fsr-3930	269	9	12	12	NUM
fsr-3930	269	10	�	�	NOUN
fsr-3930	269	11	months	month	NOUN
fsr-3930	269	12	until	until	SCONJ
fsr-3930	269	13	retirement	retirement	NOUN
fsr-3930	269	14	�	�	PROPN
fsr-3930	269	15	�	�	PROPN
fsr-3930	269	16	1	1	NUM
fsr-3930	269	17	�	�	PROPN
fsr-3930	269	18	�	�	PROPN
fsr-3930	269	19	1	1	NUM
fsr-3930	269	20	�	�	PROPN
fsr-3930	269	21	tips	tip	NOUN
fsr-3930	269	22	yield	yield	VERB
fsr-3930	269	23	12	12	NUM
fsr-3930	269	24	�	�	PROPN
fsr-3930	269	25	�	�	NOUN
fsr-3930	269	26	months	month	NOUN
fsr-3930	269	27	in	in	ADP
fsr-3930	269	28	retirement	retirement	NOUN
fsr-3930	269	29	�	�	PROPN
fsr-3930	269	30	tips	tip	NOUN
fsr-3930	269	31	yield	yield	VERB
fsr-3930	269	32	12	12	NUM
fsr-3930	269	33	�	�	PROPN
fsr-3930	269	34	benefit	benefit	NOUN
fsr-3930	269	35	(	(	PUNCT
fsr-3930	269	36	1	1	X
fsr-3930	269	37	)	)	PUNCT
fsr-3930	269	38	it	it	PRON
fsr-3930	269	39	reflects	reflect	VERB
fsr-3930	269	40	our	our	PRON
fsr-3930	269	41	assumptions	assumption	NOUN
fsr-3930	269	42	about	about	ADP
fsr-3930	269	43	coverage	coverage	NOUN
fsr-3930	269	44	levels	level	NOUN
fsr-3930	269	45	,	,	PUNCT
fsr-3930	269	46	work	work	NOUN
fsr-3930	269	47	life	life	NOUN
fsr-3930	269	48	,	,	PUNCT
fsr-3930	269	49	job	job	NOUN
fsr-3930	269	50	tenure	tenure	NOUN
fsr-3930	269	51	,	,	PUNCT
fsr-3930	269	52	age	age	NOUN
fsr-3930	269	53	,	,	PUNCT
fsr-3930	269	54	mortality	mortality	NOUN
fsr-3930	269	55	,	,	PUNCT
fsr-3930	269	56	discount	discount	NOUN
fsr-3930	269	57	rates	rate	NOUN
fsr-3930	269	58	,	,	PUNCT
fsr-3930	269	59	taxation	taxation	NOUN
fsr-3930	269	60	,	,	PUNCT
fsr-3930	269	61	salary	salary	NOUN
fsr-3930	269	62	levels	level	NOUN
fsr-3930	269	63	,	,	PUNCT
fsr-3930	269	64	and	and	CCONJ
fsr-3930	269	65	inflation	inflation	NOUN
fsr-3930	269	66	.	.	PUNCT
fsr-3930	270	1	(	(	PUNCT
fsr-3930	270	2	it	it	PRON
fsr-3930	270	3	does	do	AUX
fsr-3930	270	4	not	not	PART
fsr-3930	270	5	reflect	reflect	VERB
fsr-3930	270	6	the	the	DET
fsr-3930	270	7	risk	risk	NOUN
fsr-3930	270	8	-	-	PUNCT
fsr-3930	270	9	adjustment	adjustment	NOUN
fsr-3930	270	10	303s.p	303s.p	NUM
fsr-3930	270	11	.	.	PUNCT
fsr-3930	271	1	fraser	fraser	PROPN
fsr-3930	271	2	et	et	PROPN
fsr-3930	271	3	al	al	PROPN
fsr-3930	271	4	.	.	PUNCT
fsr-3930	271	5	/	/	SYM
fsr-3930	271	6	financial	financial	ADJ
fsr-3930	271	7	services	service	NOUN
fsr-3930	271	8	review	review	VERB
fsr-3930	271	9	9	9	NUM
fsr-3930	271	10	(	(	PUNCT
fsr-3930	271	11	2000	2000	NUM
fsr-3930	271	12	)	)	PUNCT
fsr-3930	272	1	295–326	295–326	NUM
fsr-3930	272	2	described	describe	VERB
fsr-3930	272	3	in	in	ADP
fsr-3930	272	4	section	section	NOUN
fsr-3930	272	5	3.4	3.4	NUM
fsr-3930	272	6	below	below	ADP
fsr-3930	272	7	.	.	PUNCT
fsr-3930	272	8	)	)	PUNCT
fsr-3930	273	1	note	note	VERB
fsr-3930	273	2	that	that	SCONJ
fsr-3930	273	3	social	social	ADJ
fsr-3930	273	4	security	security	NOUN
fsr-3930	273	5	wealth	wealth	NOUN
fsr-3930	273	6	for	for	ADP
fsr-3930	273	7	couples	couple	NOUN
fsr-3930	273	8	is	be	AUX
fsr-3930	273	9	about	about	ADV
fsr-3930	273	10	two	two	NUM
fsr-3930	273	11	-	-	PUNCT
fsr-3930	273	12	thirds	third	NOUN
fsr-3930	273	13	greater	great	ADJ
fsr-3930	273	14	than	than	ADP
fsr-3930	273	15	for	for	ADP
fsr-3930	273	16	individuals	individual	NOUN
fsr-3930	273	17	.	.	PUNCT
fsr-3930	274	1	roughly	roughly	ADV
fsr-3930	274	2	three	three	NUM
fsr-3930	274	3	-	-	PUNCT
fsr-3930	274	4	quarters	quarter	NOUN
fsr-3930	274	5	of	of	ADP
fsr-3930	274	6	the	the	DET
fsr-3930	274	7	increase	increase	NOUN
fsr-3930	274	8	is	be	AUX
fsr-3930	274	9	due	due	ADJ
fsr-3930	274	10	to	to	ADP
fsr-3930	274	11	the	the	DET
fsr-3930	274	12	spousal	spousal	NOUN
fsr-3930	274	13	benefit	benefit	NOUN
fsr-3930	274	14	with	with	ADP
fsr-3930	274	15	the	the	DET
fsr-3930	274	16	remainder	remainder	NOUN
fsr-3930	274	17	coming	come	VERB
fsr-3930	274	18	from	from	ADP
fsr-3930	274	19	the	the	DET
fsr-3930	274	20	widow(er	widow(er	NOUN
fsr-3930	274	21	)	)	PUNCT
fsr-3930	274	22	’s	’s	PART
fsr-3930	274	23	benefit	benefit	NOUN
fsr-3930	274	24	.	.	PUNCT
fsr-3930	275	1	for	for	ADP
fsr-3930	275	2	both	both	PRON
fsr-3930	275	3	couples	couple	NOUN
fsr-3930	275	4	and	and	CCONJ
fsr-3930	275	5	individuals	individual	NOUN
fsr-3930	275	6	,	,	PUNCT
fsr-3930	275	7	social	social	ADJ
fsr-3930	275	8	security	security	NOUN
fsr-3930	275	9	wealth	wealth	NOUN
fsr-3930	275	10	increases	increase	NOUN
fsr-3930	275	11	until	until	ADP
fsr-3930	275	12	retirement	retirement	NOUN
fsr-3930	275	13	and	and	CCONJ
fsr-3930	275	14	then	then	ADV
fsr-3930	275	15	declines	decline	VERB
fsr-3930	275	16	.	.	PUNCT
fsr-3930	276	1	this	this	DET
fsr-3930	276	2	pattern	pattern	NOUN
fsr-3930	276	3	is	be	AUX
fsr-3930	276	4	similar	similar	ADJ
fsr-3930	276	5	to	to	ADP
fsr-3930	276	6	that	that	PRON
fsr-3930	276	7	expected	expect	VERB
fsr-3930	276	8	of	of	ADP
fsr-3930	276	9	a	a	DET
fsr-3930	276	10	financial	financial	ADJ
fsr-3930	276	11	portfolio	portfolio	NOUN
fsr-3930	276	12	.	.	PUNCT
fsr-3930	277	1	consider	consider	VERB
fsr-3930	277	2	a	a	DET
fsr-3930	277	3	simple	simple	ADJ
fsr-3930	277	4	example	example	NOUN
fsr-3930	277	5	from	from	ADP
fsr-3930	277	6	table	table	NOUN
fsr-3930	277	7	1	1	NUM
fsr-3930	277	8	—	—	PUNCT
fsr-3930	277	9	social	social	ADJ
fsr-3930	277	10	security	security	NOUN
fsr-3930	277	11	wealth	wealth	NOUN
fsr-3930	277	12	in	in	ADP
fsr-3930	277	13	2000	2000	NUM
fsr-3930	277	14	for	for	ADP
fsr-3930	277	15	a	a	DET
fsr-3930	277	16	single	single	ADJ
fsr-3930	277	17	sixty	sixty	NUM
fsr-3930	277	18	-	-	PUNCT
fsr-3930	277	19	two	two	NUM
fsr-3930	277	20	-	-	PUNCT
fsr-3930	277	21	year	year	NOUN
fsr-3930	277	22	old	old	ADJ
fsr-3930	277	23	.	.	PUNCT
fsr-3930	278	1	the	the	DET
fsr-3930	278	2	full	full	ADJ
fsr-3930	278	3	retirement	retirement	NOUN
fsr-3930	278	4	age	age	NOUN
fsr-3930	278	5	for	for	ADP
fsr-3930	278	6	those	those	PRON
fsr-3930	278	7	born	bear	VERB
fsr-3930	278	8	in	in	ADP
fsr-3930	278	9	1938	1938	NUM
fsr-3930	278	10	is	be	AUX
fsr-3930	278	11	65	65	NUM
fsr-3930	278	12	years	year	NOUN
fsr-3930	278	13	and	and	CCONJ
fsr-3930	278	14	2	2	NUM
fsr-3930	278	15	months	month	NOUN
fsr-3930	278	16	;	;	PUNCT
fsr-3930	278	17	accordingly	accordingly	ADV
fsr-3930	278	18	,	,	PUNCT
fsr-3930	278	19	she	she	PRON
fsr-3930	278	20	is	be	AUX
fsr-3930	278	21	retiring	retire	VERB
fsr-3930	278	22	38	38	NUM
fsr-3930	278	23	months	month	NOUN
fsr-3930	278	24	early	early	ADV
fsr-3930	278	25	and	and	CCONJ
fsr-3930	278	26	are	be	AUX
fsr-3930	278	27	only	only	ADV
fsr-3930	278	28	entitled	entitle	VERB
fsr-3930	278	29	to	to	ADP
fsr-3930	278	30	a	a	DET
fsr-3930	278	31	monthly	monthly	ADJ
fsr-3930	278	32	benefit	benefit	NOUN
fsr-3930	278	33	79.17	79.17	NUM
fsr-3930	278	34	%	%	NOUN
fsr-3930	278	35	of	of	ADP
fsr-3930	278	36	the	the	DET
fsr-3930	278	37	maximum	maximum	ADJ
fsr-3930	278	38	$	$	SYM
fsr-3930	278	39	1,433	1,433	NUM
fsr-3930	278	40	pia	pia	NOUN
fsr-3930	278	41	,	,	PUNCT
fsr-3930	278	42	or	or	CCONJ
fsr-3930	278	43	$	$	SYM
fsr-3930	278	44	1,134	1,134	NUM
fsr-3930	278	45	.	.	PUNCT
fsr-3930	279	1	the	the	DET
fsr-3930	279	2	79.17	79.17	NUM
fsr-3930	279	3	%	%	NOUN
fsr-3930	279	4	reflects	reflect	VERB
fsr-3930	279	5	5/9ths	5/9ths	NUM
fsr-3930	279	6	of	of	ADP
fsr-3930	279	7	1	1	NUM
fsr-3930	279	8	%	%	NOUN
fsr-3930	279	9	reduction	reduction	NOUN
fsr-3930	279	10	for	for	ADP
fsr-3930	279	11	the	the	DET
fsr-3930	279	12	first	first	ADJ
fsr-3930	279	13	36	36	NUM
fsr-3930	279	14	months	month	NOUN
fsr-3930	279	15	and	and	CCONJ
fsr-3930	279	16	5/12ths	5/12ths	NUM
fsr-3930	279	17	of	of	ADP
fsr-3930	279	18	1	1	NUM
fsr-3930	279	19	%	%	NOUN
fsr-3930	279	20	reduction	reduction	NOUN
fsr-3930	279	21	for	for	ADP
fsr-3930	279	22	the	the	DET
fsr-3930	279	23	two	two	NUM
fsr-3930	279	24	extra	extra	ADJ
fsr-3930	279	25	months	month	NOUN
fsr-3930	279	26	.	.	PUNCT
fsr-3930	280	1	according	accord	VERB
fsr-3930	280	2	to	to	ADP
fsr-3930	280	3	the	the	DET
fsr-3930	280	4	irs	irs	PROPN
fsr-3930	280	5	unisex	unisex	NOUN
fsr-3930	280	6	life	life	NOUN
fsr-3930	280	7	-	-	PUNCT
fsr-3930	280	8	expectancy	expectancy	NOUN
fsr-3930	280	9	tables	table	NOUN
fsr-3930	280	10	this	this	DET
fsr-3930	280	11	sixty	sixty	NUM
fsr-3930	280	12	-	-	PUNCT
fsr-3930	280	13	two	two	NUM
fsr-3930	280	14	-	-	PUNCT
fsr-3930	280	15	year	year	NOUN
fsr-3930	280	16	old	old	ADJ
fsr-3930	280	17	can	can	AUX
fsr-3930	280	18	expect	expect	VERB
fsr-3930	280	19	to	to	PART
fsr-3930	280	20	live	live	VERB
fsr-3930	280	21	22.5	22.5	NUM
fsr-3930	280	22	years	year	NOUN
fsr-3930	280	23	and	and	CCONJ
fsr-3930	280	24	will	will	AUX
fsr-3930	280	25	spend	spend	VERB
fsr-3930	280	26	270	270	NUM
fsr-3930	280	27	months	month	NOUN
fsr-3930	280	28	in	in	ADP
fsr-3930	280	29	retirement	retirement	NOUN
fsr-3930	280	30	.	.	PUNCT
fsr-3930	281	1	using	use	VERB
fsr-3930	281	2	eq	eq	ADP
fsr-3930	281	3	.	.	PUNCT
fsr-3930	282	1	(	(	PUNCT
fsr-3930	282	2	1	1	NUM
fsr-3930	282	3	)	)	PUNCT
fsr-3930	282	4	and	and	CCONJ
fsr-3930	282	5	the	the	DET
fsr-3930	282	6	3.95	3.95	NUM
fsr-3930	282	7	%	%	NOUN
fsr-3930	282	8	real	real	ADJ
fsr-3930	282	9	tips	tip	NOUN
fsr-3930	282	10	yield	yield	NOUN
fsr-3930	282	11	,	,	PUNCT
fsr-3930	282	12	the	the	DET
fsr-3930	282	13	present	present	ADJ
fsr-3930	282	14	value	value	NOUN
fsr-3930	282	15	of	of	ADP
fsr-3930	282	16	social	social	ADJ
fsr-3930	282	17	security	security	NOUN
fsr-3930	282	18	wealth	wealth	NOUN
fsr-3930	282	19	is	be	AUX
fsr-3930	282	20	$	$	SYM
fsr-3930	282	21	202,731	202,731	NUM
fsr-3930	282	22	.	.	PUNCT
fsr-3930	283	1	while	while	SCONJ
fsr-3930	283	2	monthly	monthly	ADJ
fsr-3930	283	3	benefits	benefit	NOUN
fsr-3930	283	4	will	will	AUX
fsr-3930	283	5	increase	increase	VERB
fsr-3930	283	6	in	in	ADP
fsr-3930	283	7	nominal	nominal	ADJ
fsr-3930	283	8	terms	term	NOUN
fsr-3930	283	9	from	from	ADP
fsr-3930	283	10	the	the	DET
fsr-3930	283	11	$	$	SYM
fsr-3930	283	12	1,134	1,134	NUM
fsr-3930	283	13	,	,	PUNCT
fsr-3930	283	14	they	they	PRON
fsr-3930	283	15	stay	stay	VERB
fsr-3930	283	16	constant	constant	ADJ
fsr-3930	283	17	in	in	ADP
fsr-3930	283	18	real	real	ADJ
fsr-3930	283	19	terms	term	NOUN
fsr-3930	283	20	and	and	CCONJ
fsr-3930	283	21	are	be	AUX
fsr-3930	283	22	correctly	correctly	ADV
fsr-3930	283	23	valued	value	VERB
fsr-3930	283	24	with	with	ADP
fsr-3930	283	25	the	the	DET
fsr-3930	283	26	real	real	ADJ
fsr-3930	283	27	tips	tip	NOUN
fsr-3930	283	28	yield	yield	NOUN
fsr-3930	283	29	.	.	PUNCT
fsr-3930	284	1	now	now	ADV
fsr-3930	284	2	add	add	VERB
fsr-3930	284	3	two	two	NUM
fsr-3930	284	4	changes	change	NOUN
fsr-3930	284	5	—	—	PUNCT
fsr-3930	284	6	marriage	marriage	NOUN
fsr-3930	284	7	and	and	CCONJ
fsr-3930	284	8	valuation	valuation	NOUN
fsr-3930	284	9	before	before	ADP
fsr-3930	284	10	retirement	retirement	NOUN
fsr-3930	284	11	;	;	PUNCT
fsr-3930	284	12	consider	consider	VERB
fsr-3930	284	13	social	social	ADJ
fsr-3930	284	14	security	security	NOUN
fsr-3930	284	15	wealth	wealth	NOUN
fsr-3930	284	16	in	in	ADP
fsr-3930	284	17	2000	2000	NUM
fsr-3930	284	18	for	for	ADP
fsr-3930	284	19	married	married	ADJ
fsr-3930	284	20	fifty	fifty	NUM
fsr-3930	284	21	-	-	PUNCT
fsr-3930	284	22	year	year	NOUN
fsr-3930	284	23	olds	old	NOUN
fsr-3930	284	24	.	.	PUNCT
fsr-3930	285	1	the	the	DET
fsr-3930	285	2	full	full	ADJ
fsr-3930	285	3	retirement	retirement	NOUN
fsr-3930	285	4	age	age	NOUN
fsr-3930	285	5	for	for	ADP
fsr-3930	285	6	those	those	PRON
fsr-3930	285	7	born	bear	VERB
fsr-3930	285	8	in	in	ADP
fsr-3930	285	9	1950	1950	NUM
fsr-3930	285	10	is	be	AUX
fsr-3930	285	11	66	66	NUM
fsr-3930	285	12	years	year	NOUN
fsr-3930	285	13	;	;	PUNCT
fsr-3930	285	14	so	so	CCONJ
fsr-3930	285	15	for	for	ADP
fsr-3930	285	16	a	a	DET
fsr-3930	285	17	fifty	fifty	NUM
fsr-3930	285	18	-	-	PUNCT
fsr-3930	285	19	year	year	NOUN
fsr-3930	285	20	-	-	PUNCT
fsr-3930	285	21	old	old	ADJ
fsr-3930	285	22	retiring	retiring	NOUN
fsr-3930	285	23	at	at	ADP
fsr-3930	285	24	62	62	NUM
fsr-3930	285	25	,	,	PUNCT
fsr-3930	285	26	they	they	PRON
fsr-3930	285	27	are	be	AUX
fsr-3930	285	28	retiring	retire	VERB
fsr-3930	285	29	48	48	NUM
fsr-3930	285	30	months	month	NOUN
fsr-3930	285	31	early	early	ADV
fsr-3930	285	32	and	and	CCONJ
fsr-3930	285	33	are	be	AUX
fsr-3930	285	34	only	only	ADV
fsr-3930	285	35	entitled	entitle	VERB
fsr-3930	285	36	to	to	ADP
fsr-3930	285	37	a	a	DET
fsr-3930	285	38	monthly	monthly	ADJ
fsr-3930	285	39	benefit	benefit	NOUN
fsr-3930	285	40	75	75	NUM
fsr-3930	285	41	%	%	NOUN
fsr-3930	285	42	of	of	ADP
fsr-3930	285	43	the	the	DET
fsr-3930	285	44	maximum	maximum	ADJ
fsr-3930	285	45	$	$	SYM
fsr-3930	285	46	1,433	1,433	NUM
fsr-3930	285	47	pia	pia	NOUN
fsr-3930	285	48	,	,	PUNCT
fsr-3930	285	49	or	or	CCONJ
fsr-3930	285	50	$	$	SYM
fsr-3930	285	51	1,075	1,075	NUM
fsr-3930	285	52	.	.	PUNCT
fsr-3930	286	1	note	note	VERB
fsr-3930	286	2	that	that	SCONJ
fsr-3930	286	3	we	we	PRON
fsr-3930	286	4	use	use	VERB
fsr-3930	286	5	the	the	DET
fsr-3930	286	6	same	same	ADJ
fsr-3930	286	7	$	$	SYM
fsr-3930	286	8	1,433	1,433	NUM
fsr-3930	286	9	pia	pia	NOUN
fsr-3930	286	10	;	;	PUNCT
fsr-3930	286	11	while	while	SCONJ
fsr-3930	286	12	this	this	DET
fsr-3930	286	13	amount	amount	NOUN
fsr-3930	286	14	will	will	AUX
fsr-3930	286	15	increase	increase	VERB
fsr-3930	286	16	in	in	ADP
fsr-3930	286	17	nominal	nominal	ADJ
fsr-3930	286	18	terms	term	NOUN
fsr-3930	286	19	over	over	ADP
fsr-3930	286	20	the	the	DET
fsr-3930	286	21	next	next	ADJ
fsr-3930	286	22	twelve	twelve	NUM
fsr-3930	286	23	table	table	NOUN
fsr-3930	286	24	1	1	NUM
fsr-3930	286	25	estimates	estimate	NOUN
fsr-3930	286	26	of	of	ADP
fsr-3930	286	27	high	high	ADJ
fsr-3930	286	28	-	-	PUNCT
fsr-3930	286	29	earner	earner	NOUN
fsr-3930	286	30	social	social	ADJ
fsr-3930	286	31	security	security	NOUN
fsr-3930	286	32	wealth	wealth	NOUN
fsr-3930	286	33	age	age	NOUN
fsr-3930	286	34	single	single	ADV
fsr-3930	286	35	married	marry	VERB
fsr-3930	286	36	25	25	NUM
fsr-3930	286	37	$	$	SYM
fsr-3930	286	38	38,645	38,645	NUM
fsr-3930	286	39	$	$	SYM
fsr-3930	286	40	65,636	65,636	NUM
fsr-3930	286	41	30	30	NUM
fsr-3930	286	42	$	$	SYM
fsr-3930	286	43	47,376	47,376	NUM
fsr-3930	286	44	$	$	SYM
fsr-3930	286	45	80,096	80,096	NUM
fsr-3930	286	46	35	35	NUM
fsr-3930	286	47	$	$	SYM
fsr-3930	286	48	57,889	57,889	NUM
fsr-3930	286	49	$	$	SYM
fsr-3930	286	50	97,790	97,790	NUM
fsr-3930	286	51	40	40	NUM
fsr-3930	286	52	$	$	SYM
fsr-3930	286	53	70,958	70,958	NUM
fsr-3930	286	54	$	$	SYM
fsr-3930	286	55	119,330	119,330	NUM
fsr-3930	286	56	45	45	NUM
fsr-3930	286	57	$	$	SYM
fsr-3930	286	58	92,146	92,146	NUM
fsr-3930	286	59	$	$	SYM
fsr-3930	286	60	154,504	154,504	NUM
fsr-3930	286	61	50	50	NUM
fsr-3930	286	62	$	$	SYM
fsr-3930	286	63	114,898	114,898	NUM
fsr-3930	286	64	$	$	SYM
fsr-3930	286	65	191,272	191,272	NUM
fsr-3930	286	66	55	55	NUM
fsr-3930	286	67	$	$	SYM
fsr-3930	286	68	142,046	142,046	NUM
fsr-3930	286	69	$	$	SYM
fsr-3930	286	70	234,679	234,679	NUM
fsr-3930	286	71	60	60	NUM
fsr-3930	286	72	$	$	SYM
fsr-3930	286	73	181,883	181,883	NUM
fsr-3930	286	74	$	$	SYM
fsr-3930	286	75	298,157	298,157	NUM
fsr-3930	286	76	62	62	NUM
fsr-3930	286	77	$	$	SYM
fsr-3930	286	78	202,731	202,731	NUM
fsr-3930	286	79	$	$	SYM
fsr-3930	286	80	330,863	330,863	NUM
fsr-3930	286	81	65	65	NUM
fsr-3930	286	82	$	$	SYM
fsr-3930	286	83	190,006	190,006	NUM
fsr-3930	286	84	$	$	SYM
fsr-3930	286	85	318,356	318,356	NUM
fsr-3930	286	86	70	70	NUM
fsr-3930	286	87	$	$	SYM
fsr-3930	286	88	162,964	162,964	NUM
fsr-3930	286	89	$	$	SYM
fsr-3930	286	90	275,189	275,189	NUM
fsr-3930	286	91	75	75	NUM
fsr-3930	286	92	$	$	SYM
fsr-3930	286	93	135,538	135,538	NUM
fsr-3930	286	94	$	$	SYM
fsr-3930	286	95	234,351	234,351	NUM
fsr-3930	286	96	80	80	NUM
fsr-3930	286	97	$	$	SYM
fsr-3930	286	98	108,821	108,821	NUM
fsr-3930	286	99	$	$	SYM
fsr-3930	286	100	192,451	192,451	NUM
fsr-3930	286	101	85	85	NUM
fsr-3930	286	102	$	$	SYM
fsr-3930	286	103	82,967	82,967	NUM
fsr-3930	286	104	$	$	SYM
fsr-3930	286	105	151,247	151,247	NUM
fsr-3930	286	106	estimated	estimate	VERB
fsr-3930	286	107	present	present	ADJ
fsr-3930	286	108	value	value	NOUN
fsr-3930	286	109	of	of	ADP
fsr-3930	286	110	social	social	ADJ
fsr-3930	286	111	security	security	NOUN
fsr-3930	286	112	benefits	benefit	NOUN
fsr-3930	286	113	given	give	VERB
fsr-3930	286	114	assumptions	assumption	NOUN
fsr-3930	286	115	listed	list	VERB
fsr-3930	286	116	below	below	ADV
fsr-3930	286	117	and	and	CCONJ
fsr-3930	286	118	explained	explain	VERB
fsr-3930	286	119	in	in	ADP
fsr-3930	286	120	the	the	DET
fsr-3930	286	121	text	text	NOUN
fsr-3930	286	122	.	.	PUNCT
fsr-3930	287	1	coverage	coverage	PROPN
fsr-3930	287	2	maximum	maximum	PROPN
fsr-3930	287	3	pia	pia	PROPN
fsr-3930	287	4	(	(	PUNCT
fsr-3930	287	5	$	$	SYM
fsr-3930	287	6	1,433	1,433	NUM
fsr-3930	287	7	in	in	ADP
fsr-3930	287	8	2000	2000	NUM
fsr-3930	287	9	)	)	PUNCT
fsr-3930	287	10	,	,	PUNCT
fsr-3930	287	11	adjusted	adjust	VERB
fsr-3930	287	12	for	for	ADP
fsr-3930	287	13	early	early	ADJ
fsr-3930	287	14	retirement	retirement	NOUN
fsr-3930	287	15	penalties	penalty	NOUN
fsr-3930	287	16	wages	wage	VERB
fsr-3930	287	17	social	social	ADJ
fsr-3930	287	18	security	security	NOUN
fsr-3930	287	19	maximum	maximum	NOUN
fsr-3930	287	20	(	(	PUNCT
fsr-3930	287	21	$	$	SYM
fsr-3930	287	22	76,200	76,200	NUM
fsr-3930	287	23	in	in	ADP
fsr-3930	287	24	2000	2000	NUM
fsr-3930	287	25	)	)	PUNCT
fsr-3930	287	26	,	,	PUNCT
fsr-3930	287	27	adjusted	adjust	VERB
fsr-3930	287	28	for	for	ADP
fsr-3930	287	29	inflation	inflation	NOUN
fsr-3930	287	30	job	job	NOUN
fsr-3930	287	31	tenure	tenure	NOUN
fsr-3930	287	32	from	from	ADP
fsr-3930	287	33	age	age	NOUN
fsr-3930	287	34	21	21	NUM
fsr-3930	287	35	to	to	PART
fsr-3930	287	36	61	61	NUM
fsr-3930	287	37	retirement	retirement	NOUN
fsr-3930	287	38	age	age	NOUN
fsr-3930	287	39	62	62	NUM
fsr-3930	287	40	mortality	mortality	NOUN
fsr-3930	287	41	based	base	VERB
fsr-3930	287	42	on	on	ADP
fsr-3930	287	43	gender	gender	NOUN
fsr-3930	287	44	-	-	PUNCT
fsr-3930	287	45	neutral	neutral	ADJ
fsr-3930	287	46	irs	irs	PROPN
fsr-3930	287	47	actuarial	actuarial	ADJ
fsr-3930	287	48	tables	table	NOUN
fsr-3930	287	49	discount	discount	NOUN
fsr-3930	287	50	rate	rate	NOUN
fsr-3930	287	51	tips	tip	NOUN
fsr-3930	287	52	yield	yield	VERB
fsr-3930	287	53	to	to	ADP
fsr-3930	287	54	maturity	maturity	NOUN
fsr-3930	287	55	(	(	PUNCT
fsr-3930	287	56	3.95	3.95	NUM
fsr-3930	287	57	%	%	NOUN
fsr-3930	287	58	in	in	ADP
fsr-3930	287	59	june	june	PROPN
fsr-3930	287	60	1999	1999	NUM
fsr-3930	287	61	)	)	PUNCT
fsr-3930	287	62	spouse	spouse	NOUN
fsr-3930	287	63	non	non	ADJ
fsr-3930	287	64	-	-	ADJ
fsr-3930	287	65	working	working	ADJ
fsr-3930	287	66	,	,	PUNCT
fsr-3930	287	67	entitled	entitle	VERB
fsr-3930	287	68	to	to	ADP
fsr-3930	287	69	50	50	NUM
fsr-3930	287	70	%	%	NOUN
fsr-3930	287	71	of	of	ADP
fsr-3930	287	72	worker	worker	NOUN
fsr-3930	287	73	pia	pia	PROPN
fsr-3930	287	74	(	(	PUNCT
fsr-3930	287	75	as	as	ADP
fsr-3930	287	76	spouse	spouse	NOUN
fsr-3930	287	77	)	)	PUNCT
fsr-3930	287	78	or	or	CCONJ
fsr-3930	287	79	100	100	NUM
fsr-3930	287	80	%	%	NOUN
fsr-3930	287	81	of	of	ADP
fsr-3930	287	82	worker	worker	NOUN
fsr-3930	287	83	pia	pia	PROPN
fsr-3930	287	84	(	(	PUNCT
fsr-3930	287	85	as	as	ADP
fsr-3930	287	86	widow(er	widow(er	NOUN
fsr-3930	287	87	)	)	PUNCT
fsr-3930	287	88	)	)	PUNCT
fsr-3930	287	89	304	304	NUM
fsr-3930	287	90	s.p	s.p	PROPN
fsr-3930	287	91	.	.	PROPN
fsr-3930	287	92	fraser	fraser	PROPN
fsr-3930	287	93	et	et	PROPN
fsr-3930	287	94	al	al	PROPN
fsr-3930	287	95	.	.	PUNCT
fsr-3930	287	96	/	/	SYM
fsr-3930	287	97	financial	financial	ADJ
fsr-3930	287	98	services	service	NOUN
fsr-3930	287	99	review	review	VERB
fsr-3930	287	100	9	9	NUM
fsr-3930	287	101	(	(	PUNCT
fsr-3930	287	102	2000	2000	NUM
fsr-3930	287	103	)	)	PUNCT
fsr-3930	288	1	295–326	295–326	NUM
fsr-3930	288	2	years	year	NOUN
fsr-3930	288	3	before	before	ADP
fsr-3930	288	4	retirement	retirement	NOUN
fsr-3930	288	5	,	,	PUNCT
fsr-3930	288	6	it	it	PRON
fsr-3930	288	7	is	be	AUX
fsr-3930	288	8	constant	constant	ADJ
fsr-3930	288	9	in	in	ADP
fsr-3930	288	10	real	real	ADJ
fsr-3930	288	11	terms	term	NOUN
fsr-3930	288	12	(	(	PUNCT
fsr-3930	288	13	and	and	CCONJ
fsr-3930	288	14	,	,	PUNCT
fsr-3930	288	15	therefore	therefore	ADV
fsr-3930	288	16	,	,	PUNCT
fsr-3930	288	17	appropriately	appropriately	ADV
fsr-3930	288	18	discounted	discount	VERB
fsr-3930	288	19	with	with	ADP
fsr-3930	288	20	the	the	DET
fsr-3930	288	21	tips	tip	NOUN
fsr-3930	288	22	yield	yield	NOUN
fsr-3930	288	23	)	)	PUNCT
fsr-3930	288	24	.	.	PUNCT
fsr-3930	289	1	according	accord	VERB
fsr-3930	289	2	to	to	ADP
fsr-3930	289	3	the	the	DET
fsr-3930	289	4	irs	irs	PROPN
fsr-3930	289	5	life	life	NOUN
fsr-3930	289	6	-	-	PUNCT
fsr-3930	289	7	expectancy	expectancy	NOUN
fsr-3930	289	8	tables	table	NOUN
fsr-3930	289	9	,	,	PUNCT
fsr-3930	289	10	a	a	DET
fsr-3930	289	11	single	single	ADJ
fsr-3930	289	12	fifty	fifty	NUM
fsr-3930	289	13	-	-	PUNCT
fsr-3930	289	14	year	year	NOUN
fsr-3930	289	15	old	old	ADJ
fsr-3930	289	16	life	life	NOUN
fsr-3930	289	17	expectancy	expectancy	NOUN
fsr-3930	289	18	is	be	AUX
fsr-3930	289	19	33.1	33.1	NUM
fsr-3930	289	20	years	year	NOUN
fsr-3930	289	21	and	and	CCONJ
fsr-3930	289	22	a	a	DET
fsr-3930	289	23	joint	joint	ADJ
fsr-3930	289	24	life	life	NOUN
fsr-3930	289	25	expectancy	expectancy	NOUN
fsr-3930	289	26	is	be	AUX
fsr-3930	289	27	39.2	39.2	NUM
fsr-3930	289	28	years	year	NOUN
fsr-3930	289	29	.	.	PUNCT
fsr-3930	290	1	the	the	DET
fsr-3930	290	2	couple	couple	NOUN
fsr-3930	290	3	can	can	AUX
fsr-3930	290	4	expect	expect	VERB
fsr-3930	290	5	21.1	21.1	NUM
fsr-3930	290	6	years	year	NOUN
fsr-3930	290	7	of	of	ADP
fsr-3930	290	8	150	150	NUM
fsr-3930	290	9	%	%	NOUN
fsr-3930	290	10	retiree	retiree	NOUN
fsr-3930	290	11	-	-	PUNCT
fsr-3930	290	12	plus	plus	CCONJ
fsr-3930	290	13	-	-	PUNCT
fsr-3930	290	14	spouse	spouse	NOUN
fsr-3930	290	15	benefits	benefit	NOUN
fsr-3930	290	16	and	and	CCONJ
fsr-3930	290	17	an	an	DET
fsr-3930	290	18	additional	additional	ADJ
fsr-3930	290	19	6.1	6.1	NUM
fsr-3930	290	20	years	year	NOUN
fsr-3930	290	21	of	of	ADP
fsr-3930	290	22	100	100	NUM
fsr-3930	290	23	%	%	NOUN
fsr-3930	290	24	retiree	retiree	NOUN
fsr-3930	290	25	or	or	CCONJ
fsr-3930	290	26	widow(er	widow(er	NOUN
fsr-3930	290	27	)	)	PUNCT
fsr-3930	290	28	benefits	benefit	NOUN
fsr-3930	290	29	.	.	PUNCT
fsr-3930	291	1	think	think	VERB
fsr-3930	291	2	of	of	ADP
fsr-3930	291	3	this	this	PRON
fsr-3930	291	4	as	as	ADP
fsr-3930	291	5	equating	equate	VERB
fsr-3930	291	6	to	to	ADP
fsr-3930	291	7	two	two	NUM
fsr-3930	291	8	components	component	NOUN
fsr-3930	291	9	—	—	PUNCT
fsr-3930	291	10	a	a	DET
fsr-3930	291	11	$	$	SYM
fsr-3930	291	12	1,075	1,075	NUM
fsr-3930	291	13	benefit	benefit	NOUN
fsr-3930	291	14	starting	start	VERB
fsr-3930	291	15	in	in	ADP
fsr-3930	291	16	144	144	NUM
fsr-3930	291	17	months	month	NOUN
fsr-3930	291	18	that	that	PRON
fsr-3930	291	19	lasts	last	VERB
fsr-3930	291	20	326.4	326.4	NUM
fsr-3930	291	21	months	month	NOUN
fsr-3930	291	22	and	and	CCONJ
fsr-3930	291	23	an	an	DET
fsr-3930	291	24	additional	additional	ADJ
fsr-3930	291	25	$	$	SYM
fsr-3930	291	26	537	537	NUM
fsr-3930	291	27	benefit	benefit	NOUN
fsr-3930	291	28	starting	start	VERB
fsr-3930	291	29	in	in	ADP
fsr-3930	291	30	144	144	NUM
fsr-3930	291	31	months	month	NOUN
fsr-3930	291	32	that	that	PRON
fsr-3930	291	33	lasts	last	VERB
fsr-3930	291	34	253.2	253.2	NUM
fsr-3930	291	35	months	month	NOUN
fsr-3930	291	36	.	.	PUNCT
fsr-3930	292	1	using	use	VERB
fsr-3930	292	2	eq	eq	ADP
fsr-3930	292	3	.	.	PUNCT
fsr-3930	293	1	(	(	PUNCT
fsr-3930	293	2	1	1	NUM
fsr-3930	293	3	)	)	PUNCT
fsr-3930	293	4	and	and	CCONJ
fsr-3930	293	5	the	the	DET
fsr-3930	293	6	3.95	3.95	NUM
fsr-3930	293	7	%	%	NOUN
fsr-3930	293	8	tips	tip	NOUN
fsr-3930	293	9	yield	yield	NOUN
fsr-3930	293	10	,	,	PUNCT
fsr-3930	293	11	the	the	DET
fsr-3930	293	12	present	present	ADJ
fsr-3930	293	13	value	value	NOUN
fsr-3930	293	14	of	of	ADP
fsr-3930	293	15	the	the	DET
fsr-3930	293	16	$	$	SYM
fsr-3930	293	17	1,075	1,075	NUM
fsr-3930	293	18	benefit	benefit	NOUN
fsr-3930	293	19	is	be	AUX
fsr-3930	293	20	$	$	SYM
fsr-3930	293	21	133,823	133,823	NUM
fsr-3930	293	22	;	;	PUNCT
fsr-3930	293	23	the	the	DET
fsr-3930	293	24	present	present	ADJ
fsr-3930	293	25	value	value	NOUN
fsr-3930	293	26	of	of	ADP
fsr-3930	293	27	the	the	DET
fsr-3930	293	28	$	$	SYM
fsr-3930	293	29	537	537	NUM
fsr-3930	293	30	benefit	benefit	NOUN
fsr-3930	293	31	is	be	AUX
fsr-3930	293	32	$	$	SYM
fsr-3930	293	33	57,449	57,449	NUM
fsr-3930	293	34	.	.	PUNCT
fsr-3930	294	1	together	together	ADV
fsr-3930	294	2	these	these	DET
fsr-3930	294	3	values	value	NOUN
fsr-3930	294	4	are	be	AUX
fsr-3930	294	5	the	the	DET
fsr-3930	294	6	$	$	SYM
fsr-3930	294	7	191,272	191,272	NUM
fsr-3930	294	8	shown	show	VERB
fsr-3930	294	9	in	in	ADP
fsr-3930	294	10	table	table	NOUN
fsr-3930	294	11	1	1	NUM
fsr-3930	294	12	.	.	X
fsr-3930	294	13	3.4	3.4	NUM
fsr-3930	294	14	.	.	PUNCT
fsr-3930	295	1	risk	risk	NOUN
fsr-3930	295	2	adjustment	adjustment	NOUN
fsr-3930	295	3	:	:	PUNCT
fsr-3930	295	4	the	the	DET
fsr-3930	295	5	binomial	binomial	ADJ
fsr-3930	295	6	options	option	NOUN
fsr-3930	295	7	overlay	overlay	VERB
fsr-3930	295	8	the	the	DET
fsr-3930	295	9	present	present	ADJ
fsr-3930	295	10	values	value	NOUN
fsr-3930	295	11	of	of	ADP
fsr-3930	295	12	social	social	ADJ
fsr-3930	295	13	security	security	NOUN
fsr-3930	295	14	benefits	benefit	NOUN
fsr-3930	295	15	are	be	AUX
fsr-3930	295	16	calculated	calculate	VERB
fsr-3930	295	17	from	from	ADP
fsr-3930	295	18	constant	constant	ADJ
fsr-3930	295	19	real	real	ADJ
fsr-3930	295	20	cash	cash	NOUN
fsr-3930	295	21	flows	flow	NOUN
fsr-3930	295	22	(	(	PUNCT
fsr-3930	295	23	if	if	SCONJ
fsr-3930	295	24	alive	alive	ADJ
fsr-3930	295	25	and	and	CCONJ
fsr-3930	295	26	social	social	ADJ
fsr-3930	295	27	security	security	NOUN
fsr-3930	295	28	operates	operate	VERB
fsr-3930	295	29	as	as	SCONJ
fsr-3930	295	30	planned	plan	VERB
fsr-3930	295	31	)	)	PUNCT
fsr-3930	295	32	;	;	PUNCT
fsr-3930	295	33	they	they	PRON
fsr-3930	295	34	do	do	AUX
fsr-3930	295	35	not	not	PART
fsr-3930	295	36	specifically	specifically	ADV
fsr-3930	295	37	include	include	VERB
fsr-3930	295	38	risk	risk	NOUN
fsr-3930	295	39	adjustments	adjustment	NOUN
fsr-3930	295	40	to	to	ADP
fsr-3930	295	41	the	the	DET
fsr-3930	295	42	discount	discount	NOUN
fsr-3930	295	43	rate	rate	NOUN
fsr-3930	295	44	.	.	PUNCT
fsr-3930	296	1	to	to	PART
fsr-3930	296	2	incorporate	incorporate	VERB
fsr-3930	296	3	risk	risk	NOUN
fsr-3930	296	4	,	,	PUNCT
fsr-3930	296	5	we	we	PRON
fsr-3930	296	6	prefer	prefer	VERB
fsr-3930	296	7	to	to	PART
fsr-3930	296	8	overlay	overlay	VERB
fsr-3930	296	9	a	a	DET
fsr-3930	296	10	binomial	binomial	ADJ
fsr-3930	296	11	-	-	PUNCT
fsr-3930	296	12	option	option	NOUN
fsr-3930	296	13	valuation	valuation	NOUN
fsr-3930	296	14	approach	approach	NOUN
fsr-3930	296	15	because	because	SCONJ
fsr-3930	296	16	it	it	PRON
fsr-3930	296	17	allows	allow	VERB
fsr-3930	296	18	cleaner	clean	ADJ
fsr-3930	296	19	specification	specification	NOUN
fsr-3930	296	20	of	of	ADP
fsr-3930	296	21	assumptions	assumption	NOUN
fsr-3930	296	22	.	.	PUNCT
fsr-3930	297	1	for	for	ADP
fsr-3930	297	2	example	example	NOUN
fsr-3930	297	3	,	,	PUNCT
fsr-3930	297	4	rather	rather	ADV
fsr-3930	297	5	than	than	ADP
fsr-3930	297	6	estimating	estimate	VERB
fsr-3930	297	7	a	a	DET
fsr-3930	297	8	discount	discount	NOUN
fsr-3930	297	9	rate	rate	NOUN
fsr-3930	297	10	adjustment	adjustment	NOUN
fsr-3930	297	11	for	for	ADP
fsr-3930	297	12	the	the	DET
fsr-3930	297	13	vagaries	vagary	NOUN
fsr-3930	297	14	of	of	ADP
fsr-3930	297	15	potential	potential	ADJ
fsr-3930	297	16	benefit	benefit	NOUN
fsr-3930	297	17	changes	change	NOUN
fsr-3930	297	18	,	,	PUNCT
fsr-3930	297	19	we	we	PRON
fsr-3930	297	20	use	use	VERB
fsr-3930	297	21	probabilities	probability	NOUN
fsr-3930	297	22	to	to	PART
fsr-3930	297	23	capture	capture	VERB
fsr-3930	297	24	the	the	DET
fsr-3930	297	25	same	same	ADJ
fsr-3930	297	26	effect	effect	NOUN
fsr-3930	297	27	.	.	PUNCT
fsr-3930	298	1	our	our	PRON
fsr-3930	298	2	recommended	recommend	VERB
fsr-3930	298	3	approach	approach	NOUN
fsr-3930	298	4	includes	include	VERB
fsr-3930	298	5	a	a	DET
fsr-3930	298	6	probability	probability	NOUN
fsr-3930	298	7	of	of	ADP
fsr-3930	298	8	living	live	VERB
fsr-3930	298	9	long	long	ADV
fsr-3930	298	10	enough	enough	ADV
fsr-3930	298	11	to	to	PART
fsr-3930	298	12	start	start	VERB
fsr-3930	298	13	benefits	benefit	NOUN
fsr-3930	298	14	at	at	ADP
fsr-3930	298	15	age	age	NOUN
fsr-3930	298	16	62	62	NUM
fsr-3930	298	17	.	.	PUNCT
fsr-3930	299	1	it	it	PRON
fsr-3930	299	2	also	also	ADV
fsr-3930	299	3	includes	include	VERB
fsr-3930	299	4	a	a	DET
fsr-3930	299	5	probability	probability	NOUN
fsr-3930	299	6	of	of	ADP
fsr-3930	299	7	social	social	ADJ
fsr-3930	299	8	security	security	NOUN
fsr-3930	299	9	continuing	continue	VERB
fsr-3930	299	10	to	to	PART
fsr-3930	299	11	exist	exist	VERB
fsr-3930	299	12	.	.	PUNCT
fsr-3930	300	1	conversely	conversely	ADV
fsr-3930	300	2	,	,	PUNCT
fsr-3930	300	3	social	social	ADJ
fsr-3930	300	4	security	security	NOUN
fsr-3930	300	5	not	not	PART
fsr-3930	300	6	existing	exist	VERB
fsr-3930	300	7	is	be	AUX
fsr-3930	300	8	equivalent	equivalent	ADJ
fsr-3930	300	9	to	to	ADP
fsr-3930	300	10	a	a	DET
fsr-3930	300	11	100	100	NUM
fsr-3930	300	12	%	%	NOUN
fsr-3930	300	13	benefit	benefit	NOUN
fsr-3930	300	14	reduction	reduction	NOUN
fsr-3930	300	15	.	.	PUNCT
fsr-3930	301	1	this	this	DET
fsr-3930	301	2	simple	simple	ADJ
fsr-3930	301	3	approach	approach	NOUN
fsr-3930	301	4	encompasses	encompass	VERB
fsr-3930	301	5	a	a	DET
fsr-3930	301	6	range	range	NOUN
fsr-3930	301	7	of	of	ADP
fsr-3930	301	8	other	other	ADJ
fsr-3930	301	9	possibilities	possibility	NOUN
fsr-3930	301	10	;	;	PUNCT
fsr-3930	301	11	for	for	ADP
fsr-3930	301	12	example	example	NOUN
fsr-3930	301	13	,	,	PUNCT
fsr-3930	301	14	a	a	DET
fsr-3930	301	15	5	5	NUM
fsr-3930	301	16	%	%	NOUN
fsr-3930	301	17	probability	probability	NOUN
fsr-3930	301	18	of	of	ADP
fsr-3930	301	19	zero	zero	NUM
fsr-3930	301	20	social	social	ADJ
fsr-3930	301	21	security	security	NOUN
fsr-3930	301	22	benefits	benefit	NOUN
fsr-3930	301	23	is	be	AUX
fsr-3930	301	24	equivalent	equivalent	ADJ
fsr-3930	301	25	to	to	ADP
fsr-3930	301	26	a	a	DET
fsr-3930	301	27	10	10	NUM
fsr-3930	301	28	%	%	NOUN
fsr-3930	301	29	probability	probability	NOUN
fsr-3930	301	30	of	of	ADP
fsr-3930	301	31	benefits	benefit	NOUN
fsr-3930	301	32	being	be	AUX
fsr-3930	301	33	reduced	reduce	VERB
fsr-3930	301	34	50	50	NUM
fsr-3930	301	35	%	%	NOUN
fsr-3930	301	36	.	.	PUNCT
fsr-3930	302	1	fig	fig	NOUN
fsr-3930	302	2	.	.	PUNCT
fsr-3930	303	1	1	1	NUM
fsr-3930	303	2	portrays	portray	VERB
fsr-3930	303	3	our	our	PRON
fsr-3930	303	4	approach	approach	NOUN
fsr-3930	303	5	graphically	graphically	ADV
fsr-3930	303	6	and	and	CCONJ
fsr-3930	303	7	eq	eq	NOUN
fsr-3930	303	8	.	.	PROPN
fsr-3930	303	9	fig	fig	NOUN
fsr-3930	303	10	.	.	PUNCT
fsr-3930	304	1	1	1	X
fsr-3930	304	2	.	.	X
fsr-3930	304	3	binomial	binomial	ADJ
fsr-3930	304	4	options	option	NOUN
fsr-3930	304	5	evaluation	evaluation	NOUN
fsr-3930	304	6	tree	tree	NOUN
fsr-3930	304	7	.	.	PUNCT
fsr-3930	305	1	305s.p	305s.p	INTJ
fsr-3930	305	2	.	.	PUNCT
fsr-3930	306	1	fraser	fraser	PROPN
fsr-3930	306	2	et	et	PROPN
fsr-3930	306	3	al	al	PROPN
fsr-3930	306	4	.	.	PUNCT
fsr-3930	306	5	/	/	SYM
fsr-3930	306	6	financial	financial	ADJ
fsr-3930	306	7	services	service	NOUN
fsr-3930	306	8	review	review	VERB
fsr-3930	306	9	9	9	NUM
fsr-3930	306	10	(	(	PUNCT
fsr-3930	306	11	2000	2000	NUM
fsr-3930	306	12	)	)	PUNCT
fsr-3930	307	1	295–326	295–326	NUM
fsr-3930	307	2	(	(	PUNCT
fsr-3930	307	3	2	2	NUM
fsr-3930	307	4	)	)	PUNCT
fsr-3930	307	5	does	do	VERB
fsr-3930	307	6	so	so	ADV
fsr-3930	307	7	mathematically	mathematically	ADV
fsr-3930	307	8	.	.	PUNCT
fsr-3930	308	1	pvrisky	pvrisky	PROPN
fsr-3930	308	2	�	�	PROPN
fsr-3930	308	3	p	p	SYM
fsr-3930	308	4	�	�	PROPN
fsr-3930	308	5	qpvriskfree	qpvriskfree	PROPN
fsr-3930	308	6	�	�	PROPN
fsr-3930	308	7	�	�	PROPN
fsr-3930	308	8	1	1	NUM
fsr-3930	308	9	�	�	PROPN
fsr-3930	308	10	q	q	PROPN
fsr-3930	308	11	�	�	PROPN
fsr-3930	308	12	pvnoss	pvnoss	NOUN
fsr-3930	308	13	�	�	PROPN
fsr-3930	308	14	�	�	PROPN
fsr-3930	308	15	�	�	PROPN
fsr-3930	308	16	1	1	NUM
fsr-3930	308	17	�	�	PROPN
fsr-3930	308	18	p	p	ADJ
fsr-3930	308	19	�	�	PROPN
fsr-3930	308	20	pvdead	pvdead	ADJ
fsr-3930	308	21	�	�	PROPN
fsr-3930	308	22	pqpvriskfree	pqpvriskfree	NOUN
fsr-3930	308	23	(	(	PUNCT
fsr-3930	308	24	2	2	NUM
fsr-3930	308	25	)	)	PUNCT
fsr-3930	308	26	where	where	SCONJ
fsr-3930	308	27	pvrisky	pvrisky	PROPN
fsr-3930	308	28	�	�	PROPN
fsr-3930	308	29	risk	risk	NOUN
fsr-3930	308	30	-	-	PUNCT
fsr-3930	308	31	adjusted	adjust	VERB
fsr-3930	308	32	and	and	CCONJ
fsr-3930	308	33	survival	survival	NOUN
fsr-3930	308	34	-	-	PUNCT
fsr-3930	308	35	adjusted	adjust	VERB
fsr-3930	308	36	present	present	ADJ
fsr-3930	308	37	value	value	NOUN
fsr-3930	308	38	,	,	PUNCT
fsr-3930	308	39	p	p	PROPN
fsr-3930	308	40	�	�	PROPN
fsr-3930	308	41	probability	probability	NOUN
fsr-3930	308	42	of	of	ADP
fsr-3930	308	43	survival	survival	NOUN
fsr-3930	308	44	to	to	PART
fsr-3930	308	45	age	age	NOUN
fsr-3930	308	46	62	62	NUM
fsr-3930	308	47	of	of	ADP
fsr-3930	308	48	the	the	DET
fsr-3930	308	49	beneficiary	beneficiary	NOUN
fsr-3930	308	50	(	(	PUNCT
fsr-3930	308	51	and	and	CCONJ
fsr-3930	308	52	spouse	spouse	NOUN
fsr-3930	308	53	)	)	PUNCT
fsr-3930	308	54	,	,	PUNCT
fsr-3930	308	55	q	q	PROPN
fsr-3930	308	56	�	�	PROPN
fsr-3930	308	57	probability	probability	NOUN
fsr-3930	308	58	of	of	ADP
fsr-3930	308	59	survival	survival	NOUN
fsr-3930	308	60	for	for	ADP
fsr-3930	308	61	the	the	DET
fsr-3930	308	62	social	social	ADJ
fsr-3930	308	63	security	security	NOUN
fsr-3930	308	64	system	system	NOUN
fsr-3930	308	65	,	,	PUNCT
fsr-3930	308	66	pvriskfree	pvriskfree	NOUN
fsr-3930	308	67	�	�	PROPN
fsr-3930	308	68	net	net	ADJ
fsr-3930	308	69	present	present	ADJ
fsr-3930	308	70	value	value	NOUN
fsr-3930	308	71	computed	compute	VERB
fsr-3930	308	72	above	above	ADP
fsr-3930	308	73	using	use	VERB
fsr-3930	308	74	eq	eq	ADP
fsr-3930	308	75	.	.	PUNCT
fsr-3930	308	76	(	(	PUNCT
fsr-3930	308	77	1	1	NUM
fsr-3930	308	78	)	)	PUNCT
fsr-3930	308	79	with	with	ADP
fsr-3930	308	80	the	the	DET
fsr-3930	308	81	risk	risk	NOUN
fsr-3930	308	82	-	-	PUNCT
fsr-3930	308	83	free	free	ADJ
fsr-3930	308	84	rate	rate	NOUN
fsr-3930	308	85	,	,	PUNCT
fsr-3930	308	86	pvnoss	pvnoss	NOUN
fsr-3930	308	87	�	�	PROPN
fsr-3930	308	88	the	the	DET
fsr-3930	308	89	present	present	ADJ
fsr-3930	308	90	value	value	NOUN
fsr-3930	308	91	without	without	ADP
fsr-3930	308	92	social	social	ADJ
fsr-3930	308	93	security	security	NOUN
fsr-3930	308	94	,	,	PUNCT
fsr-3930	308	95	and	and	CCONJ
fsr-3930	308	96	pvdead	pvdead	ADJ
fsr-3930	308	97	�	�	PROPN
fsr-3930	308	98	the	the	DET
fsr-3930	308	99	present	present	ADJ
fsr-3930	308	100	value	value	NOUN
fsr-3930	308	101	when	when	SCONJ
fsr-3930	308	102	dead	dead	ADJ
fsr-3930	308	103	.	.	PUNCT
fsr-3930	309	1	both	both	PRON
fsr-3930	309	2	pvnoss	pvnoss	NOUN
fsr-3930	309	3	and	and	CCONJ
fsr-3930	309	4	pvdead	pvdead	ADJ
fsr-3930	309	5	are	be	AUX
fsr-3930	309	6	zero	zero	NUM
fsr-3930	309	7	.	.	PUNCT
fsr-3930	310	1	the	the	DET
fsr-3930	310	2	risk	risk	NOUN
fsr-3930	310	3	-	-	PUNCT
fsr-3930	310	4	adjusted	adjust	VERB
fsr-3930	310	5	present	present	ADJ
fsr-3930	310	6	value	value	NOUN
fsr-3930	310	7	simplifies	simplifie	NOUN
fsr-3930	310	8	to	to	AUX
fsr-3930	310	9	pqpvriskfree	pqpvriskfree	NOUN
fsr-3930	310	10	.	.	PUNCT
fsr-3930	311	1	for	for	ADP
fsr-3930	311	2	example	example	NOUN
fsr-3930	311	3	,	,	PUNCT
fsr-3930	311	4	if	if	SCONJ
fsr-3930	311	5	there	there	PRON
fsr-3930	311	6	is	be	VERB
fsr-3930	311	7	a	a	DET
fsr-3930	311	8	95	95	NUM
fsr-3930	311	9	%	%	NOUN
fsr-3930	311	10	chance	chance	NOUN
fsr-3930	311	11	of	of	ADP
fsr-3930	311	12	survival	survival	NOUN
fsr-3930	311	13	of	of	ADP
fsr-3930	311	14	both	both	CCONJ
fsr-3930	311	15	the	the	DET
fsr-3930	311	16	beneficiary	beneficiary	NOUN
fsr-3930	311	17	and	and	CCONJ
fsr-3930	311	18	the	the	DET
fsr-3930	311	19	social	social	ADJ
fsr-3930	311	20	security	security	NOUN
fsr-3930	311	21	system	system	NOUN
fsr-3930	311	22	,	,	PUNCT
fsr-3930	311	23	the	the	DET
fsr-3930	311	24	risk	risk	NOUN
fsr-3930	311	25	-	-	PUNCT
fsr-3930	311	26	adjusted	adjust	VERB
fsr-3930	311	27	present	present	ADJ
fsr-3930	311	28	value	value	NOUN
fsr-3930	311	29	is	be	AUX
fsr-3930	311	30	90.25	90.25	NUM
fsr-3930	311	31	%	%	NOUN
fsr-3930	311	32	of	of	ADP
fsr-3930	311	33	the	the	DET
fsr-3930	311	34	net	net	ADJ
fsr-3930	311	35	present	present	ADJ
fsr-3930	311	36	value	value	NOUN
fsr-3930	311	37	computed	compute	VERB
fsr-3930	311	38	in	in	ADP
fsr-3930	311	39	table	table	NOUN
fsr-3930	311	40	1	1	NUM
fsr-3930	311	41	.	.	PUNCT
fsr-3930	312	1	in	in	ADP
fsr-3930	312	2	our	our	PRON
fsr-3930	312	3	valuation	valuation	NOUN
fsr-3930	312	4	,	,	PUNCT
fsr-3930	312	5	we	we	PRON
fsr-3930	312	6	assume	assume	VERB
fsr-3930	312	7	—	—	PUNCT
fsr-3930	312	8	for	for	ADP
fsr-3930	312	9	simplicity	simplicity	NOUN
fsr-3930	312	10	—	—	PUNCT
fsr-3930	312	11	this	this	DET
fsr-3930	312	12	value	value	NOUN
fsr-3930	312	13	is	be	AUX
fsr-3930	312	14	100	100	NUM
fsr-3930	312	15	%	%	NOUN
fsr-3930	312	16	of	of	ADP
fsr-3930	312	17	the	the	DET
fsr-3930	312	18	unadjusted	unadjuste	VERB
fsr-3930	312	19	present	present	ADJ
fsr-3930	312	20	value	value	NOUN
fsr-3930	312	21	(	(	PUNCT
fsr-3930	312	22	i.e.	i.e.	X
fsr-3930	312	23	,	,	PUNCT
fsr-3930	312	24	pq	pq	X
fsr-3930	312	25	�	�	PROPN
fsr-3930	312	26	100	100	NUM
fsr-3930	312	27	%	%	NOUN
fsr-3930	312	28	)	)	PUNCT
fsr-3930	312	29	.	.	PUNCT
fsr-3930	313	1	given	give	VERB
fsr-3930	313	2	the	the	DET
fsr-3930	313	3	demographic	demographic	ADJ
fsr-3930	313	4	trends	trend	NOUN
fsr-3930	313	5	influencing	influence	VERB
fsr-3930	313	6	social	social	ADJ
fsr-3930	313	7	security	security	NOUN
fsr-3930	313	8	,	,	PUNCT
fsr-3930	313	9	this	this	DET
fsr-3930	313	10	assumption	assumption	NOUN
fsr-3930	313	11	is	be	AUX
fsr-3930	313	12	debatable	debatable	ADJ
fsr-3930	313	13	,	,	PUNCT
fsr-3930	313	14	but	but	CCONJ
fsr-3930	313	15	quantifying	quantify	VERB
fsr-3930	313	16	the	the	DET
fsr-3930	313	17	probability	probability	NOUN
fsr-3930	313	18	of	of	ADP
fsr-3930	313	19	survival	survival	NOUN
fsr-3930	313	20	of	of	ADP
fsr-3930	313	21	the	the	DET
fsr-3930	313	22	social	social	ADJ
fsr-3930	313	23	security	security	NOUN
fsr-3930	313	24	system	system	NOUN
fsr-3930	313	25	is	be	AUX
fsr-3930	313	26	beyond	beyond	ADP
fsr-3930	313	27	the	the	DET
fsr-3930	313	28	scope	scope	NOUN
fsr-3930	313	29	of	of	ADP
fsr-3930	313	30	this	this	DET
fsr-3930	313	31	paper	paper	NOUN
fsr-3930	313	32	.	.	PUNCT
fsr-3930	314	1	those	those	PRON
fsr-3930	314	2	more	more	ADV
fsr-3930	314	3	pessimistic	pessimistic	ADJ
fsr-3930	314	4	should	should	AUX
fsr-3930	314	5	use	use	VERB
fsr-3930	314	6	a	a	DET
fsr-3930	314	7	lower	low	ADJ
fsr-3930	314	8	percentage	percentage	NOUN
fsr-3930	314	9	when	when	SCONJ
fsr-3930	314	10	applying	apply	VERB
fsr-3930	314	11	this	this	DET
fsr-3930	314	12	binomial	binomial	ADJ
fsr-3930	314	13	options	option	NOUN
fsr-3930	314	14	approach	approach	NOUN
fsr-3930	314	15	.	.	PUNCT
fsr-3930	315	1	the	the	DET
fsr-3930	315	2	binomial	binomial	ADJ
fsr-3930	315	3	options	option	NOUN
fsr-3930	315	4	overlay	overlay	NOUN
fsr-3930	315	5	approach	approach	NOUN
fsr-3930	315	6	to	to	ADP
fsr-3930	315	7	uncertainty	uncertainty	NOUN
fsr-3930	315	8	about	about	ADP
fsr-3930	315	9	social	social	ADJ
fsr-3930	315	10	security	security	NOUN
fsr-3930	315	11	’s	’s	PART
fsr-3930	315	12	future	future	NOUN
fsr-3930	315	13	is	be	AUX
fsr-3930	315	14	a	a	DET
fsr-3930	315	15	simple	simple	ADJ
fsr-3930	315	16	and	and	CCONJ
fsr-3930	315	17	tractable	tractable	ADJ
fsr-3930	315	18	alternative	alternative	NOUN
fsr-3930	315	19	to	to	ADP
fsr-3930	315	20	adjusting	adjust	VERB
fsr-3930	315	21	the	the	DET
fsr-3930	315	22	tips	tip	NOUN
fsr-3930	315	23	yield	yield	VERB
fsr-3930	315	24	with	with	ADP
fsr-3930	315	25	a	a	DET
fsr-3930	315	26	risk	risk	NOUN
fsr-3930	315	27	premium	premium	NOUN
fsr-3930	315	28	.	.	PUNCT
fsr-3930	316	1	for	for	ADP
fsr-3930	316	2	example	example	NOUN
fsr-3930	316	3	,	,	PUNCT
fsr-3930	316	4	reconsider	reconsider	VERB
fsr-3930	316	5	the	the	DET
fsr-3930	316	6	fifty	fifty	NUM
fsr-3930	316	7	-	-	PUNCT
fsr-3930	316	8	year	year	NOUN
fsr-3930	316	9	-	-	PUNCT
fsr-3930	316	10	old	old	ADJ
fsr-3930	316	11	high	high	ADJ
fsr-3930	316	12	-	-	PUNCT
fsr-3930	316	13	earning	earn	VERB
fsr-3930	316	14	couple	couple	NOUN
fsr-3930	316	15	;	;	PUNCT
fsr-3930	316	16	under	under	ADP
fsr-3930	316	17	the	the	DET
fsr-3930	316	18	assumptions	assumption	NOUN
fsr-3930	316	19	used	use	VERB
fsr-3930	316	20	in	in	ADP
fsr-3930	316	21	this	this	DET
fsr-3930	316	22	paper	paper	NOUN
fsr-3930	316	23	(	(	PUNCT
fsr-3930	316	24	and	and	CCONJ
fsr-3930	316	25	as	as	SCONJ
fsr-3930	316	26	we	we	PRON
fsr-3930	316	27	demonstrated	demonstrate	VERB
fsr-3930	316	28	in	in	ADP
fsr-3930	316	29	section	section	NOUN
fsr-3930	316	30	3.3	3.3	NUM
fsr-3930	316	31	)	)	PUNCT
fsr-3930	316	32	,	,	PUNCT
fsr-3930	316	33	their	their	PRON
fsr-3930	316	34	present	present	ADJ
fsr-3930	316	35	value	value	NOUN
fsr-3930	316	36	of	of	ADP
fsr-3930	316	37	social	social	ADJ
fsr-3930	316	38	security	security	NOUN
fsr-3930	316	39	benefits	benefit	NOUN
fsr-3930	316	40	is	be	AUX
fsr-3930	316	41	$	$	SYM
fsr-3930	316	42	191,272	191,272	NUM
fsr-3930	316	43	.	.	PUNCT
fsr-3930	317	1	a	a	DET
fsr-3930	317	2	2	2	NUM
fsr-3930	317	3	%	%	NOUN
fsr-3930	317	4	risk	risk	NOUN
fsr-3930	317	5	premium	premium	NOUN
fsr-3930	317	6	lowers	lower	VERB
fsr-3930	317	7	the	the	DET
fsr-3930	317	8	present	present	ADJ
fsr-3930	317	9	value	value	NOUN
fsr-3930	317	10	of	of	ADP
fsr-3930	317	11	social	social	ADJ
fsr-3930	317	12	security	security	NOUN
fsr-3930	317	13	benefits	benefit	NOUN
fsr-3930	317	14	by	by	ADP
fsr-3930	317	15	$	$	SYM
fsr-3930	317	16	68,135	68,135	NUM
fsr-3930	317	17	.	.	PUNCT
fsr-3930	318	1	this	this	PRON
fsr-3930	318	2	is	be	AUX
fsr-3930	318	3	the	the	DET
fsr-3930	318	4	same	same	ADJ
fsr-3930	318	5	as	as	ADP
fsr-3930	318	6	assuming	assume	VERB
fsr-3930	318	7	the	the	DET
fsr-3930	318	8	probability	probability	NOUN
fsr-3930	318	9	of	of	ADP
fsr-3930	318	10	social	social	ADJ
fsr-3930	318	11	security	security	NOUN
fsr-3930	318	12	not	not	PART
fsr-3930	318	13	surviving	survive	VERB
fsr-3930	318	14	is	be	AUX
fsr-3930	318	15	35.6	35.6	NUM
fsr-3930	318	16	%	%	NOUN
fsr-3930	318	17	.	.	PUNCT
fsr-3930	319	1	similarly	similarly	ADV
fsr-3930	319	2	,	,	PUNCT
fsr-3930	319	3	a	a	DET
fsr-3930	319	4	1	1	NUM
fsr-3930	319	5	%	%	NOUN
fsr-3930	319	6	risk	risk	NOUN
fsr-3930	319	7	premium	premium	NOUN
fsr-3930	319	8	is	be	AUX
fsr-3930	319	9	equivalent	equivalent	ADJ
fsr-3930	319	10	to	to	ADP
fsr-3930	319	11	a	a	DET
fsr-3930	319	12	20.0	20.0	NUM
fsr-3930	319	13	%	%	NOUN
fsr-3930	319	14	probability	probability	NOUN
fsr-3930	319	15	of	of	ADP
fsr-3930	319	16	no	no	DET
fsr-3930	319	17	social	social	ADJ
fsr-3930	319	18	security	security	NOUN
fsr-3930	319	19	.	.	PUNCT
fsr-3930	320	1	we	we	PRON
fsr-3930	320	2	suspect	suspect	VERB
fsr-3930	320	3	that	that	SCONJ
fsr-3930	320	4	most	most	ADJ
fsr-3930	320	5	consumers	consumer	NOUN
fsr-3930	320	6	of	of	ADP
fsr-3930	320	7	financial	financial	ADJ
fsr-3930	320	8	planning	planning	NOUN
fsr-3930	320	9	advice	advice	NOUN
fsr-3930	320	10	(	(	PUNCT
fsr-3930	320	11	and	and	CCONJ
fsr-3930	320	12	many	many	ADJ
fsr-3930	320	13	financial	financial	ADJ
fsr-3930	320	14	professionals	professional	NOUN
fsr-3930	320	15	)	)	PUNCT
fsr-3930	320	16	will	will	AUX
fsr-3930	320	17	find	find	VERB
fsr-3930	320	18	the	the	DET
fsr-3930	320	19	probability	probability	NOUN
fsr-3930	320	20	approach	approach	NOUN
fsr-3930	320	21	in	in	ADP
fsr-3930	320	22	the	the	DET
fsr-3930	320	23	options	option	NOUN
fsr-3930	320	24	overlay	overlay	NOUN
fsr-3930	320	25	more	more	ADV
fsr-3930	320	26	intuitive	intuitive	ADJ
fsr-3930	320	27	than	than	ADP
fsr-3930	320	28	the	the	DET
fsr-3930	320	29	risk	risk	NOUN
fsr-3930	320	30	premium	premium	NOUN
fsr-3930	320	31	.	.	PUNCT
fsr-3930	321	1	4	4	X
fsr-3930	321	2	.	.	X
fsr-3930	321	3	strategic	strategic	ADJ
fsr-3930	321	4	asset	asset	NOUN
fsr-3930	321	5	allocation	allocation	NOUN
fsr-3930	321	6	implications	implication	NOUN
fsr-3930	321	7	having	having	AUX
fsr-3930	321	8	computed	compute	VERB
fsr-3930	321	9	the	the	DET
fsr-3930	321	10	present	present	ADJ
fsr-3930	321	11	value	value	NOUN
fsr-3930	321	12	of	of	ADP
fsr-3930	321	13	social	social	ADJ
fsr-3930	321	14	security	security	NOUN
fsr-3930	321	15	benefits	benefit	NOUN
fsr-3930	321	16	,	,	PUNCT
fsr-3930	321	17	we	we	PRON
fsr-3930	321	18	can	can	AUX
fsr-3930	321	19	investigate	investigate	VERB
fsr-3930	321	20	the	the	DET
fsr-3930	321	21	effect	effect	NOUN
fsr-3930	321	22	of	of	ADP
fsr-3930	321	23	social	social	ADJ
fsr-3930	321	24	security	security	NOUN
fsr-3930	321	25	wealth	wealth	NOUN
fsr-3930	321	26	on	on	ADP
fsr-3930	321	27	the	the	DET
fsr-3930	321	28	asset	asset	NOUN
fsr-3930	321	29	mix	mix	NOUN
fsr-3930	321	30	decision	decision	NOUN
fsr-3930	321	31	.	.	PUNCT
fsr-3930	322	1	we	we	PRON
fsr-3930	322	2	apply	apply	VERB
fsr-3930	322	3	four	four	NUM
fsr-3930	322	4	asset	asset	NOUN
fsr-3930	322	5	-	-	PUNCT
fsr-3930	322	6	mix	mix	NOUN
fsr-3930	322	7	decision	decision	NOUN
fsr-3930	322	8	rules	rule	NOUN
fsr-3930	322	9	—	—	PUNCT
fsr-3930	322	10	simple	simple	ADJ
fsr-3930	322	11	fixed	fix	VERB
fsr-3930	322	12	mixes	mix	NOUN
fsr-3930	322	13	,	,	PUNCT
fsr-3930	322	14	life	life	NOUN
fsr-3930	322	15	-	-	PUNCT
fsr-3930	322	16	cycle	cycle	NOUN
fsr-3930	322	17	rules	rule	NOUN
fsr-3930	322	18	,	,	PUNCT
fsr-3930	322	19	consensus	consensus	NOUN
fsr-3930	322	20	expert	expert	NOUN
fsr-3930	322	21	views	view	NOUN
fsr-3930	322	22	and	and	CCONJ
fsr-3930	322	23	mean	mean	ADJ
fsr-3930	322	24	-	-	PUNCT
fsr-3930	322	25	variance	variance	NOUN
fsr-3930	322	26	optimization	optimization	NOUN
fsr-3930	322	27	.	.	PUNCT
fsr-3930	323	1	in	in	ADP
fsr-3930	323	2	each	each	DET
fsr-3930	323	3	case	case	NOUN
fsr-3930	323	4	,	,	PUNCT
fsr-3930	323	5	the	the	DET
fsr-3930	323	6	impact	impact	NOUN
fsr-3930	323	7	is	be	AUX
fsr-3930	323	8	dramatic	dramatic	ADJ
fsr-3930	323	9	.	.	PUNCT
fsr-3930	324	1	before	before	ADP
fsr-3930	324	2	continuing	continue	VERB
fsr-3930	324	3	,	,	PUNCT
fsr-3930	324	4	we	we	PRON
fsr-3930	324	5	should	should	AUX
fsr-3930	324	6	clarify	clarify	VERB
fsr-3930	324	7	our	our	PRON
fsr-3930	324	8	terminology	terminology	NOUN
fsr-3930	324	9	.	.	PUNCT
fsr-3930	325	1	the	the	DET
fsr-3930	325	2	“	"	PUNCT
fsr-3930	325	3	financial	financial	ADJ
fsr-3930	325	4	portfolio	portfolio	NOUN
fsr-3930	325	5	”	"	PUNCT
fsr-3930	325	6	is	be	AUX
fsr-3930	325	7	the	the	DET
fsr-3930	325	8	classic	classic	ADJ
fsr-3930	325	9	focus	focus	NOUN
fsr-3930	325	10	of	of	ADP
fsr-3930	325	11	the	the	DET
fsr-3930	325	12	investment	investment	NOUN
fsr-3930	325	13	manager	manager	NOUN
fsr-3930	325	14	—	—	PUNCT
fsr-3930	325	15	stocks	stock	NOUN
fsr-3930	325	16	,	,	PUNCT
fsr-3930	325	17	bonds	bond	NOUN
fsr-3930	325	18	,	,	PUNCT
fsr-3930	325	19	and	and	CCONJ
fsr-3930	325	20	so	so	ADV
fsr-3930	325	21	forth	forth	ADV
fsr-3930	325	22	.	.	PUNCT
fsr-3930	326	1	the	the	DET
fsr-3930	326	2	“	"	PUNCT
fsr-3930	326	3	total	total	ADJ
fsr-3930	326	4	portfolio	portfolio	NOUN
fsr-3930	326	5	”	"	PUNCT
fsr-3930	326	6	includes	include	VERB
fsr-3930	326	7	all	all	DET
fsr-3930	326	8	relevant	relevant	ADJ
fsr-3930	326	9	assets	asset	NOUN
fsr-3930	326	10	discussed	discuss	VERB
fsr-3930	326	11	in	in	ADP
fsr-3930	326	12	scott	scott	PROPN
fsr-3930	326	13	(	(	PUNCT
fsr-3930	326	14	1997	1997	NUM
fsr-3930	326	15	)	)	PUNCT
fsr-3930	326	16	and	and	CCONJ
fsr-3930	326	17	reichenstein	reichenstein	NOUN
fsr-3930	326	18	(	(	PUNCT
fsr-3930	326	19	1998	1998	NUM
fsr-3930	326	20	,	,	PUNCT
fsr-3930	326	21	2000	2000	NUM
fsr-3930	326	22	)	)	PUNCT
fsr-3930	326	23	.	.	PUNCT
fsr-3930	327	1	somewhere	somewhere	ADV
fsr-3930	327	2	between	between	ADP
fsr-3930	327	3	these	these	DET
fsr-3930	327	4	portfolio	portfolio	NOUN
fsr-3930	327	5	concepts	concept	NOUN
fsr-3930	327	6	is	be	AUX
fsr-3930	327	7	an	an	DET
fsr-3930	327	8	“	"	PUNCT
fsr-3930	327	9	expanded	expand	VERB
fsr-3930	327	10	portfolio	portfolio	NOUN
fsr-3930	327	11	”	"	PUNCT
fsr-3930	327	12	that	that	PRON
fsr-3930	327	13	is	be	AUX
fsr-3930	327	14	the	the	DET
fsr-3930	327	15	financial	financial	ADJ
fsr-3930	327	16	portfolio	portfolio	NOUN
fsr-3930	327	17	plus	plus	CCONJ
fsr-3930	327	18	social	social	ADJ
fsr-3930	327	19	security	security	NOUN
fsr-3930	327	20	wealth	wealth	NOUN
fsr-3930	327	21	.	.	PUNCT
fsr-3930	328	1	our	our	PRON
fsr-3930	328	2	analysis	analysis	NOUN
fsr-3930	328	3	focuses	focus	VERB
fsr-3930	328	4	only	only	ADV
fsr-3930	328	5	on	on	ADP
fsr-3930	328	6	the	the	DET
fsr-3930	328	7	expanded	expand	VERB
fsr-3930	328	8	portfolio	portfolio	NOUN
fsr-3930	328	9	.	.	PUNCT
fsr-3930	329	1	while	while	SCONJ
fsr-3930	329	2	doing	do	VERB
fsr-3930	329	3	so	so	ADV
fsr-3930	329	4	is	be	AUX
fsr-3930	329	5	incomplete	incomplete	ADJ
fsr-3930	329	6	from	from	ADP
fsr-3930	329	7	a	a	DET
fsr-3930	329	8	total	total	ADJ
fsr-3930	329	9	portfolio	portfolio	NOUN
fsr-3930	329	10	viewpoint	viewpoint	NOUN
fsr-3930	329	11	,	,	PUNCT
fsr-3930	329	12	this	this	DET
fsr-3930	329	13	approach	approach	NOUN
fsr-3930	329	14	isolates	isolate	VERB
fsr-3930	329	15	social	social	ADJ
fsr-3930	329	16	security	security	NOUN
fsr-3930	329	17	’s	’s	PART
fsr-3930	329	18	impact	impact	NOUN
fsr-3930	329	19	.	.	PUNCT
fsr-3930	330	1	306	306	NUM
fsr-3930	330	2	s.p	s.p	PROPN
fsr-3930	330	3	.	.	PROPN
fsr-3930	330	4	fraser	fraser	PROPN
fsr-3930	330	5	et	et	PROPN
fsr-3930	330	6	al	al	PROPN
fsr-3930	330	7	.	.	PUNCT
fsr-3930	330	8	/	/	SYM
fsr-3930	330	9	financial	financial	ADJ
fsr-3930	330	10	services	service	NOUN
fsr-3930	330	11	review	review	VERB
fsr-3930	330	12	9	9	NUM
fsr-3930	330	13	(	(	PUNCT
fsr-3930	330	14	2000	2000	NUM
fsr-3930	330	15	)	)	PUNCT
fsr-3930	331	1	295–326	295–326	NUM
fsr-3930	331	2	to	to	PART
fsr-3930	331	3	demonstrate	demonstrate	VERB
fsr-3930	331	4	the	the	DET
fsr-3930	331	5	impact	impact	NOUN
fsr-3930	331	6	of	of	ADP
fsr-3930	331	7	social	social	ADJ
fsr-3930	331	8	security	security	NOUN
fsr-3930	331	9	wealth	wealth	NOUN
fsr-3930	331	10	on	on	ADP
fsr-3930	331	11	portfolios	portfolio	NOUN
fsr-3930	331	12	,	,	PUNCT
fsr-3930	331	13	we	we	PRON
fsr-3930	331	14	must	must	AUX
fsr-3930	331	15	first	first	ADV
fsr-3930	331	16	quantify	quantify	VERB
fsr-3930	331	17	the	the	DET
fsr-3930	331	18	portfolios	portfolio	NOUN
fsr-3930	331	19	affected	affect	VERB
fsr-3930	331	20	.	.	PUNCT
fsr-3930	332	1	note	note	VERB
fsr-3930	332	2	that	that	SCONJ
fsr-3930	332	3	social	social	ADJ
fsr-3930	332	4	security	security	NOUN
fsr-3930	332	5	wealth	wealth	NOUN
fsr-3930	332	6	is	be	AUX
fsr-3930	332	7	measured	measure	VERB
fsr-3930	332	8	in	in	ADP
fsr-3930	332	9	dollars	dollar	NOUN
fsr-3930	332	10	,	,	PUNCT
fsr-3930	332	11	but	but	CCONJ
fsr-3930	332	12	asset	asset	NOUN
fsr-3930	332	13	-	-	PUNCT
fsr-3930	332	14	mix	mix	NOUN
fsr-3930	332	15	decision	decision	NOUN
fsr-3930	332	16	rules	rule	NOUN
fsr-3930	332	17	are	be	AUX
fsr-3930	332	18	expressed	express	VERB
fsr-3930	332	19	in	in	ADP
fsr-3930	332	20	percentages	percentage	NOUN
fsr-3930	332	21	.	.	PUNCT
fsr-3930	333	1	to	to	PART
fsr-3930	333	2	bridge	bridge	VERB
fsr-3930	333	3	this	this	DET
fsr-3930	333	4	gap	gap	NOUN
fsr-3930	333	5	,	,	PUNCT
fsr-3930	333	6	we	we	PRON
fsr-3930	333	7	compute	compute	VERB
fsr-3930	333	8	four	four	NUM
fsr-3930	333	9	realistic	realistic	ADJ
fsr-3930	333	10	,	,	PUNCT
fsr-3930	333	11	hypothetical	hypothetical	ADJ
fsr-3930	333	12	portfolios	portfolio	NOUN
fsr-3930	333	13	.	.	PUNCT
fsr-3930	334	1	the	the	DET
fsr-3930	334	2	first	first	ADJ
fsr-3930	334	3	three	three	NUM
fsr-3930	334	4	hypothetical	hypothetical	ADJ
fsr-3930	334	5	portfolios	portfolio	NOUN
fsr-3930	334	6	are	be	AUX
fsr-3930	334	7	based	base	VERB
fsr-3930	334	8	on	on	ADP
fsr-3930	334	9	savings	saving	NOUN
fsr-3930	334	10	rates	rate	NOUN
fsr-3930	334	11	of	of	ADP
fsr-3930	334	12	5	5	NUM
fsr-3930	334	13	,	,	PUNCT
fsr-3930	334	14	10	10	NUM
fsr-3930	334	15	and	and	CCONJ
fsr-3930	334	16	15	15	NUM
fsr-3930	334	17	%	%	NOUN
fsr-3930	334	18	of	of	ADP
fsr-3930	334	19	income	income	NOUN
fsr-3930	334	20	per	per	ADP
fsr-3930	334	21	year	year	NOUN
fsr-3930	334	22	over	over	ADP
fsr-3930	334	23	a	a	DET
fsr-3930	334	24	working	work	VERB
fsr-3930	334	25	lifetime	lifetime	NOUN
fsr-3930	334	26	(	(	PUNCT
fsr-3930	334	27	age	age	NOUN
fsr-3930	334	28	21–61	21–61	NUM
fsr-3930	334	29	)	)	PUNCT
fsr-3930	334	30	.	.	PUNCT
fsr-3930	335	1	ten	ten	NUM
fsr-3930	335	2	-	-	PUNCT
fsr-3930	335	3	percent	percent	NOUN
fsr-3930	335	4	and	and	CCONJ
fsr-3930	335	5	fifteen	fifteen	NUM
fsr-3930	335	6	-	-	PUNCT
fsr-3930	335	7	percent	percent	NOUN
fsr-3930	335	8	savings	saving	NOUN
fsr-3930	335	9	rules	rule	NOUN
fsr-3930	335	10	are	be	AUX
fsr-3930	335	11	common	common	ADJ
fsr-3930	335	12	advice	advice	NOUN
fsr-3930	335	13	(	(	PUNCT
fsr-3930	335	14	clements	clement	NOUN
fsr-3930	335	15	,	,	PUNCT
fsr-3930	335	16	1998	1998	NUM
fsr-3930	335	17	)	)	PUNCT
fsr-3930	335	18	and	and	CCONJ
fsr-3930	335	19	apply	apply	VERB
fsr-3930	335	20	to	to	ADP
fsr-3930	335	21	wages	wage	NOUN
fsr-3930	335	22	earned	earn	VERB
fsr-3930	335	23	.	.	PUNCT
fsr-3930	336	1	recall	recall	NOUN
fsr-3930	336	2	that	that	SCONJ
fsr-3930	336	3	we	we	PRON
fsr-3930	336	4	assumed	assume	VERB
fsr-3930	336	5	earnings	earning	NOUN
fsr-3930	336	6	of	of	ADP
fsr-3930	336	7	$	$	SYM
fsr-3930	336	8	76,200	76,200	NUM
fsr-3930	336	9	in	in	ADP
fsr-3930	336	10	2000	2000	NUM
fsr-3930	336	11	,	,	PUNCT
fsr-3930	336	12	adjusted	adjust	VERB
fsr-3930	336	13	this	this	DET
fsr-3930	336	14	amount	amount	NOUN
fsr-3930	336	15	for	for	ADP
fsr-3930	336	16	inflation	inflation	NOUN
fsr-3930	336	17	,	,	PUNCT
fsr-3930	336	18	and	and	CCONJ
fsr-3930	336	19	assumed	assume	VERB
fsr-3930	336	20	it	it	PRON
fsr-3930	336	21	is	be	AUX
fsr-3930	336	22	earned	earn	VERB
fsr-3930	336	23	in	in	ADP
fsr-3930	336	24	all	all	DET
fsr-3930	336	25	years	year	NOUN
fsr-3930	336	26	before	before	ADP
fsr-3930	336	27	retirement	retirement	NOUN
fsr-3930	336	28	.	.	PUNCT
fsr-3930	337	1	(	(	PUNCT
fsr-3930	337	2	this	this	PRON
fsr-3930	337	3	unrealistically	unrealistically	ADV
fsr-3930	337	4	assumes	assume	VERB
fsr-3930	337	5	maximum	maximum	ADJ
fsr-3930	337	6	earnings	earning	NOUN
fsr-3930	337	7	at	at	ADP
fsr-3930	337	8	age	age	NOUN
fsr-3930	337	9	21	21	NUM
fsr-3930	337	10	and	and	CCONJ
fsr-3930	337	11	proportional	proportional	ADJ
fsr-3930	337	12	lifelong	lifelong	ADJ
fsr-3930	337	13	savings	saving	NOUN
fsr-3930	337	14	.	.	PUNCT
fsr-3930	338	1	this	this	PRON
fsr-3930	338	2	is	be	AUX
fsr-3930	338	3	both	both	PRON
fsr-3930	338	4	a	a	DET
fsr-3930	338	5	simplifying	simplifying	NOUN
fsr-3930	338	6	and	and	CCONJ
fsr-3930	338	7	a	a	DET
fsr-3930	338	8	conservative	conservative	ADJ
fsr-3930	338	9	assumption	assumption	NOUN
fsr-3930	338	10	.	.	PUNCT
fsr-3930	339	1	high	high	ADJ
fsr-3930	339	2	early	early	ADJ
fsr-3930	339	3	savings	saving	NOUN
fsr-3930	339	4	and	and	CCONJ
fsr-3930	339	5	lifelong	lifelong	ADJ
fsr-3930	339	6	savings	saving	NOUN
fsr-3930	339	7	both	both	PRON
fsr-3930	339	8	increase	increase	VERB
fsr-3930	339	9	the	the	DET
fsr-3930	339	10	financial	financial	ADJ
fsr-3930	339	11	portfolio	portfolio	NOUN
fsr-3930	339	12	,	,	PUNCT
fsr-3930	339	13	which	which	PRON
fsr-3930	339	14	diminishes	diminish	VERB
fsr-3930	339	15	the	the	DET
fsr-3930	339	16	impact	impact	NOUN
fsr-3930	339	17	of	of	ADP
fsr-3930	339	18	social	social	ADJ
fsr-3930	339	19	security	security	NOUN
fsr-3930	339	20	wealth	wealth	NOUN
fsr-3930	339	21	on	on	ADP
fsr-3930	339	22	the	the	DET
fsr-3930	339	23	expanded	expand	VERB
fsr-3930	339	24	portfolio	portfolio	NOUN
fsr-3930	339	25	.	.	PUNCT
fsr-3930	339	26	)	)	PUNCT
fsr-3930	340	1	savings	saving	NOUN
fsr-3930	340	2	grow	grow	VERB
fsr-3930	340	3	at	at	ADP
fsr-3930	340	4	a	a	DET
fsr-3930	340	5	conservative	conservative	ADJ
fsr-3930	340	6	rate	rate	NOUN
fsr-3930	340	7	of	of	ADP
fsr-3930	340	8	6.5	6.5	NUM
fsr-3930	340	9	%	%	NOUN
fsr-3930	340	10	.	.	PUNCT
fsr-3930	341	1	for	for	ADP
fsr-3930	341	2	retirees	retiree	NOUN
fsr-3930	341	3	,	,	PUNCT
fsr-3930	341	4	we	we	PRON
fsr-3930	341	5	assume	assume	VERB
fsr-3930	341	6	savings	saving	NOUN
fsr-3930	341	7	stopped	stop	VERB
fsr-3930	341	8	at	at	ADP
fsr-3930	341	9	retirement	retirement	NOUN
fsr-3930	341	10	and	and	CCONJ
fsr-3930	341	11	spending	spending	NOUN
fsr-3930	341	12	begins	begin	VERB
fsr-3930	341	13	based	base	VERB
fsr-3930	341	14	on	on	ADP
fsr-3930	341	15	a	a	DET
fsr-3930	341	16	rolling	rolling	ADJ
fsr-3930	341	17	20	20	NUM
fsr-3930	341	18	-	-	PUNCT
fsr-3930	341	19	year	year	NOUN
fsr-3930	341	20	6.5	6.5	NUM
fsr-3930	341	21	%	%	NOUN
fsr-3930	341	22	annuity	annuity	NOUN
fsr-3930	341	23	;	;	PUNCT
fsr-3930	341	24	we	we	PRON
fsr-3930	341	25	update	update	VERB
fsr-3930	341	26	the	the	DET
fsr-3930	341	27	payout	payout	NOUN
fsr-3930	341	28	each	each	DET
fsr-3930	341	29	year	year	NOUN
fsr-3930	341	30	to	to	PART
fsr-3930	341	31	include	include	VERB
fsr-3930	341	32	a	a	DET
fsr-3930	341	33	new	new	ADJ
fsr-3930	341	34	20	20	NUM
fsr-3930	341	35	-	-	PUNCT
fsr-3930	341	36	year	year	NOUN
fsr-3930	341	37	remaining	remain	VERB
fsr-3930	341	38	life	life	NOUN
fsr-3930	341	39	.	.	PUNCT
fsr-3930	342	1	this	this	PRON
fsr-3930	342	2	avoids	avoid	VERB
fsr-3930	342	3	relying	rely	VERB
fsr-3930	342	4	on	on	ADP
fsr-3930	342	5	a	a	DET
fsr-3930	342	6	specific	specific	ADJ
fsr-3930	342	7	insurer	insurer	NOUN
fsr-3930	342	8	’s	’s	PART
fsr-3930	342	9	life	life	NOUN
fsr-3930	342	10	annuity	annuity	NOUN
fsr-3930	342	11	payout	payout	NOUN
fsr-3930	342	12	rate	rate	NOUN
fsr-3930	342	13	,	,	PUNCT
fsr-3930	342	14	but	but	CCONJ
fsr-3930	342	15	our	our	PRON
fsr-3930	342	16	approach	approach	NOUN
fsr-3930	342	17	’s	’s	PART
fsr-3930	342	18	average	average	ADJ
fsr-3930	342	19	payout	payout	NOUN
fsr-3930	342	20	approximates	approximate	VERB
fsr-3930	342	21	several	several	ADJ
fsr-3930	342	22	annuities	annuity	NOUN
fsr-3930	342	23	we	we	PRON
fsr-3930	342	24	did	do	AUX
fsr-3930	342	25	examine	examine	VERB
fsr-3930	342	26	.	.	PUNCT
fsr-3930	343	1	the	the	DET
fsr-3930	343	2	fourth	fourth	ADJ
fsr-3930	343	3	hypothetical	hypothetical	ADJ
fsr-3930	343	4	portfolio	portfolio	NOUN
fsr-3930	343	5	uses	use	VERB
fsr-3930	343	6	the	the	DET
fsr-3930	343	7	formula	formula	NOUN
fsr-3930	343	8	from	from	ADP
fsr-3930	343	9	the	the	DET
fsr-3930	343	10	millionaire	millionaire	NOUN
fsr-3930	343	11	next	next	ADJ
fsr-3930	343	12	door	door	NOUN
fsr-3930	343	13	(	(	PUNCT
fsr-3930	343	14	mnd	mnd	NOUN
fsr-3930	343	15	)	)	PUNCT
fsr-3930	343	16	bestseller	bestseller	NOUN
fsr-3930	343	17	.	.	PUNCT
fsr-3930	344	1	stanley	stanley	PROPN
fsr-3930	344	2	and	and	CCONJ
fsr-3930	344	3	danko	danko	PROPN
fsr-3930	344	4	(	(	PUNCT
fsr-3930	344	5	1996	1996	NUM
fsr-3930	344	6	,	,	PUNCT
fsr-3930	344	7	p.	p.	NOUN
fsr-3930	344	8	13	13	NUM
fsr-3930	344	9	)	)	PUNCT
fsr-3930	344	10	suggest	suggest	VERB
fsr-3930	344	11	an	an	DET
fsr-3930	344	12	investor	investor	NOUN
fsr-3930	344	13	is	be	AUX
fsr-3930	344	14	a	a	DET
fsr-3930	344	15	“	"	PUNCT
fsr-3930	344	16	prodigious	prodigious	ADJ
fsr-3930	344	17	accumulator	accumulator	NOUN
fsr-3930	344	18	of	of	ADP
fsr-3930	344	19	wealth	wealth	NOUN
fsr-3930	344	20	”	"	PUNCT
fsr-3930	344	21	if	if	SCONJ
fsr-3930	344	22	the	the	DET
fsr-3930	344	23	following	follow	VERB
fsr-3930	344	24	equation	equation	NOUN
fsr-3930	344	25	holds	hold	VERB
fsr-3930	344	26	:	:	PUNCT
fsr-3930	344	27	net	net	ADJ
fsr-3930	344	28	worth	worth	ADJ
fsr-3930	344	29	�	�	PROPN
fsr-3930	344	30	�	�	PROPN
fsr-3930	344	31	age	age	NOUN
fsr-3930	344	32	�	�	PROPN
fsr-3930	344	33	income	income	NOUN
fsr-3930	344	34	10	10	NUM
fsr-3930	344	35	(	(	PUNCT
fsr-3930	344	36	3	3	NUM
fsr-3930	344	37	)	)	PUNCT
fsr-3930	344	38	we	we	PRON
fsr-3930	344	39	assume	assume	VERB
fsr-3930	344	40	our	our	PRON
fsr-3930	344	41	fourth	fourth	ADJ
fsr-3930	344	42	portfolio	portfolio	NOUN
fsr-3930	344	43	equal	equal	ADJ
fsr-3930	344	44	to	to	ADP
fsr-3930	344	45	this	this	DET
fsr-3930	344	46	value	value	NOUN
fsr-3930	344	47	through	through	ADP
fsr-3930	344	48	the	the	DET
fsr-3930	344	49	beginning	beginning	NOUN
fsr-3930	344	50	of	of	ADP
fsr-3930	344	51	retirement	retirement	NOUN
fsr-3930	344	52	.	.	PUNCT
fsr-3930	345	1	for	for	ADP
fsr-3930	345	2	example	example	NOUN
fsr-3930	345	3	,	,	PUNCT
fsr-3930	345	4	our	our	PRON
fsr-3930	345	5	fifty	fifty	NUM
fsr-3930	345	6	-	-	PUNCT
fsr-3930	345	7	year	year	NOUN
fsr-3930	345	8	-	-	PUNCT
fsr-3930	345	9	old	old	ADJ
fsr-3930	345	10	high	high	ADJ
fsr-3930	345	11	-	-	PUNCT
fsr-3930	345	12	earner	earner	NOUN
fsr-3930	345	13	has	have	VERB
fsr-3930	345	14	a	a	DET
fsr-3930	345	15	financial	financial	ADJ
fsr-3930	345	16	portfolio	portfolio	NOUN
fsr-3930	345	17	of	of	ADP
fsr-3930	345	18	$	$	SYM
fsr-3930	345	19	381,000	381,000	NUM
fsr-3930	345	20	[	[	SYM
fsr-3930	345	21	50	50	NUM
fsr-3930	345	22	$	$	SYM
fsr-3930	345	23	76,200	76,200	NUM
fsr-3930	345	24	10	10	NUM
fsr-3930	345	25	]	]	PUNCT
fsr-3930	345	26	.	.	PUNCT
fsr-3930	346	1	4.1	4.1	NUM
fsr-3930	346	2	.	.	X
fsr-3930	346	3	four	four	NUM
fsr-3930	346	4	asset	asset	NOUN
fsr-3930	346	5	allocation	allocation	NOUN
fsr-3930	346	6	strategies	strategy	NOUN
fsr-3930	346	7	the	the	DET
fsr-3930	346	8	simplest	simple	ADJ
fsr-3930	346	9	strategic	strategic	ADJ
fsr-3930	346	10	asset	asset	NOUN
fsr-3930	346	11	allocation	allocation	NOUN
fsr-3930	346	12	that	that	PRON
fsr-3930	346	13	we	we	PRON
fsr-3930	346	14	consider	consider	VERB
fsr-3930	346	15	is	be	AUX
fsr-3930	346	16	the	the	DET
fsr-3930	346	17	classic	classic	ADJ
fsr-3930	346	18	fixed	fix	VERB
fsr-3930	346	19	mix	mix	NOUN
fsr-3930	346	20	of	of	ADP
fsr-3930	346	21	60	60	NUM
fsr-3930	346	22	%	%	NOUN
fsr-3930	346	23	stocks	stock	NOUN
fsr-3930	346	24	and	and	CCONJ
fsr-3930	346	25	40	40	NUM
fsr-3930	346	26	%	%	NOUN
fsr-3930	346	27	bonds	bond	NOUN
fsr-3930	346	28	(	(	PUNCT
fsr-3930	346	29	maginn	maginn	PROPN
fsr-3930	346	30	&	&	CCONJ
fsr-3930	346	31	tuttle	tuttle	PROPN
fsr-3930	346	32	,	,	PUNCT
fsr-3930	346	33	1990	1990	NUM
fsr-3930	346	34	)	)	PUNCT
fsr-3930	346	35	.	.	PUNCT
fsr-3930	347	1	the	the	DET
fsr-3930	347	2	standard	standard	ADJ
fsr-3930	347	3	interpretation	interpretation	NOUN
fsr-3930	347	4	of	of	ADP
fsr-3930	347	5	this	this	PRON
fsr-3930	347	6	and	and	CCONJ
fsr-3930	347	7	other	other	ADJ
fsr-3930	347	8	asset	asset	NOUN
fsr-3930	347	9	allocation	allocation	NOUN
fsr-3930	347	10	rules	rule	NOUN
fsr-3930	347	11	is	be	AUX
fsr-3930	347	12	that	that	SCONJ
fsr-3930	347	13	they	they	PRON
fsr-3930	347	14	apply	apply	VERB
fsr-3930	347	15	to	to	ADP
fsr-3930	347	16	financial	financial	ADJ
fsr-3930	347	17	portfolios	portfolio	NOUN
fsr-3930	347	18	only	only	ADV
fsr-3930	347	19	,	,	PUNCT
fsr-3930	347	20	not	not	PART
fsr-3930	347	21	more	more	ADV
fsr-3930	347	22	inclusive	inclusive	ADJ
fsr-3930	347	23	portfolios	portfolio	NOUN
fsr-3930	347	24	.	.	PUNCT
fsr-3930	348	1	the	the	DET
fsr-3930	348	2	60/40	60/40	NUM
fsr-3930	348	3	fixed	fix	VERB
fsr-3930	348	4	mix	mix	NOUN
fsr-3930	348	5	,	,	PUNCT
fsr-3930	348	6	while	while	SCONJ
fsr-3930	348	7	simple	simple	ADJ
fsr-3930	348	8	,	,	PUNCT
fsr-3930	348	9	does	do	AUX
fsr-3930	348	10	not	not	PART
fsr-3930	348	11	recognize	recognize	VERB
fsr-3930	348	12	life	life	NOUN
fsr-3930	348	13	-	-	PUNCT
fsr-3930	348	14	cycle	cycle	NOUN
fsr-3930	348	15	changes	change	NOUN
fsr-3930	348	16	.	.	PUNCT
fsr-3930	349	1	wealth	wealth	NOUN
fsr-3930	349	2	,	,	PUNCT
fsr-3930	349	3	risk	risk	NOUN
fsr-3930	349	4	aversion	aversion	NOUN
fsr-3930	349	5	and	and	CCONJ
fsr-3930	349	6	investment	investment	NOUN
fsr-3930	349	7	horizon	horizon	NOUN
fsr-3930	349	8	all	all	PRON
fsr-3930	349	9	change	change	VERB
fsr-3930	349	10	over	over	ADP
fsr-3930	349	11	a	a	DET
fsr-3930	349	12	life	life	NOUN
fsr-3930	349	13	cycle	cycle	NOUN
fsr-3930	349	14	.	.	PUNCT
fsr-3930	350	1	in	in	ADP
fsr-3930	350	2	response	response	NOUN
fsr-3930	350	3	,	,	PUNCT
fsr-3930	350	4	bogle	bogle	PROPN
fsr-3930	350	5	(	(	PUNCT
fsr-3930	350	6	1994	1994	NUM
fsr-3930	350	7	)	)	PUNCT
fsr-3930	350	8	and	and	CCONJ
fsr-3930	350	9	others	other	NOUN
fsr-3930	350	10	advocate	advocate	VERB
fsr-3930	350	11	a	a	DET
fsr-3930	350	12	simple	simple	ADJ
fsr-3930	350	13	rule	rule	NOUN
fsr-3930	350	14	of	of	ADP
fsr-3930	350	15	thumb	thumb	NOUN
fsr-3930	350	16	where	where	SCONJ
fsr-3930	350	17	a	a	DET
fsr-3930	350	18	portfolio	portfolio	NOUN
fsr-3930	350	19	’s	’s	PART
fsr-3930	350	20	bond	bond	NOUN
fsr-3930	350	21	weight	weight	NOUN
fsr-3930	350	22	(	(	PUNCT
fsr-3930	350	23	in	in	ADP
fsr-3930	350	24	percentage	percentage	NOUN
fsr-3930	350	25	)	)	PUNCT
fsr-3930	350	26	should	should	AUX
fsr-3930	350	27	be	be	AUX
fsr-3930	350	28	the	the	DET
fsr-3930	350	29	investor	investor	NOUN
fsr-3930	350	30	’s	’s	PART
fsr-3930	350	31	age	age	NOUN
fsr-3930	350	32	.	.	PUNCT
fsr-3930	351	1	a	a	DET
fsr-3930	351	2	40	40	NUM
fsr-3930	351	3	year	year	NOUN
fsr-3930	351	4	old	old	ADJ
fsr-3930	351	5	should	should	AUX
fsr-3930	351	6	be	be	AUX
fsr-3930	351	7	60	60	NUM
fsr-3930	351	8	%	%	NOUN
fsr-3930	351	9	in	in	ADP
fsr-3930	351	10	stock	stock	NOUN
fsr-3930	351	11	,	,	PUNCT
fsr-3930	351	12	and	and	CCONJ
fsr-3930	351	13	a	a	DET
fsr-3930	351	14	60	60	NUM
fsr-3930	351	15	year	year	NOUN
fsr-3930	351	16	old	old	ADJ
fsr-3930	351	17	should	should	AUX
fsr-3930	351	18	be	be	AUX
fsr-3930	351	19	40	40	NUM
fsr-3930	351	20	%	%	NOUN
fsr-3930	351	21	in	in	ADP
fsr-3930	351	22	stock	stock	NOUN
fsr-3930	351	23	.	.	PUNCT
fsr-3930	352	1	a	a	DET
fsr-3930	352	2	consensus	consensus	NOUN
fsr-3930	352	3	of	of	ADP
fsr-3930	352	4	many	many	ADJ
fsr-3930	352	5	investment	investment	NOUN
fsr-3930	352	6	experts	expert	NOUN
fsr-3930	352	7	offers	offer	VERB
fsr-3930	352	8	potential	potential	ADJ
fsr-3930	352	9	enhancements	enhancement	NOUN
fsr-3930	352	10	to	to	ADP
fsr-3930	352	11	both	both	CCONJ
fsr-3930	352	12	the	the	DET
fsr-3930	352	13	classic	classic	ADJ
fsr-3930	352	14	60/40	60/40	NUM
fsr-3930	352	15	mix	mix	NOUN
fsr-3930	352	16	and	and	CCONJ
fsr-3930	352	17	the	the	DET
fsr-3930	352	18	simple	simple	ADJ
fsr-3930	352	19	life	life	NOUN
fsr-3930	352	20	-	-	PUNCT
fsr-3930	352	21	cycle	cycle	NOUN
fsr-3930	352	22	mix	mix	NOUN
fsr-3930	352	23	.	.	PUNCT
fsr-3930	353	1	malkiel	malkiel	PROPN
fsr-3930	353	2	(	(	PUNCT
fsr-3930	353	3	1996	1996	NUM
fsr-3930	353	4	)	)	PUNCT
fsr-3930	353	5	offers	offer	VERB
fsr-3930	353	6	“	"	PUNCT
fsr-3930	353	7	life	life	NOUN
fsr-3930	353	8	-	-	PUNCT
fsr-3930	353	9	cycle	cycle	NOUN
fsr-3930	353	10	.	.	PUNCT
fsr-3930	353	11	.	.	PUNCT
fsr-3930	354	1	.savings	.savings	NUM
fsr-3930	354	2	allocations	allocation	NOUN
fsr-3930	354	3	”	"	PUNCT
fsr-3930	354	4	which	which	PRON
fsr-3930	354	5	vary	vary	VERB
fsr-3930	354	6	with	with	ADP
fsr-3930	354	7	an	an	DET
fsr-3930	354	8	investor	investor	NOUN
fsr-3930	354	9	’s	’s	PART
fsr-3930	354	10	age	age	NOUN
fsr-3930	354	11	and	and	CCONJ
fsr-3930	354	12	correspond	correspond	VERB
fsr-3930	354	13	with	with	ADP
fsr-3930	354	14	an	an	DET
fsr-3930	354	15	investor	investor	NOUN
fsr-3930	354	16	’s	’s	PART
fsr-3930	354	17	tolerance	tolerance	NOUN
fsr-3930	354	18	for	for	ADP
fsr-3930	354	19	risk	risk	NOUN
fsr-3930	354	20	.	.	PUNCT
fsr-3930	355	1	his	his	PRON
fsr-3930	355	2	guide	guide	NOUN
fsr-3930	355	3	provides	provide	VERB
fsr-3930	355	4	four	four	NUM
fsr-3930	355	5	sample	sample	NOUN
fsr-3930	355	6	portfolios	portfolio	NOUN
fsr-3930	355	7	ranging	range	VERB
fsr-3930	355	8	from	from	ADP
fsr-3930	355	9	a	a	DET
fsr-3930	355	10	70/30	70/30	NUM
fsr-3930	355	11	split	split	NOUN
fsr-3930	355	12	for	for	ADP
fsr-3930	355	13	the	the	DET
fsr-3930	355	14	midtwenties	midtwentie	NOUN
fsr-3930	355	15	age	age	NOUN
fsr-3930	355	16	group	group	NOUN
fsr-3930	355	17	to	to	ADP
fsr-3930	355	18	a	a	DET
fsr-3930	355	19	30/70	30/70	NUM
fsr-3930	355	20	mix	mix	NOUN
fsr-3930	355	21	for	for	ADP
fsr-3930	355	22	those	those	PRON
fsr-3930	355	23	in	in	ADP
fsr-3930	355	24	the	the	DET
fsr-3930	355	25	late	late	ADJ
fsr-3930	355	26	-	-	PUNCT
fsr-3930	355	27	sixties	sixty	NOUN
fsr-3930	355	28	-	-	PUNCT
fsr-3930	355	29	and	and	CCONJ
fsr-3930	355	30	-	-	PUNCT
fsr-3930	355	31	beyond	beyond	NOUN
fsr-3930	355	32	group	group	NOUN
fsr-3930	355	33	.	.	PUNCT
fsr-3930	356	1	malkiel	malkiel	PROPN
fsr-3930	356	2	’s	’s	PART
fsr-3930	356	3	portfolios	portfolio	NOUN
fsr-3930	356	4	are	be	AUX
fsr-3930	356	5	reasonable	reasonable	ADJ
fsr-3930	356	6	guides	guide	NOUN
fsr-3930	356	7	to	to	ADP
fsr-3930	356	8	this	this	DET
fsr-3930	356	9	class	class	NOUN
fsr-3930	356	10	of	of	ADP
fsr-3930	356	11	asset	asset	NOUN
fsr-3930	356	12	-	-	PUNCT
fsr-3930	356	13	mix	mix	NOUN
fsr-3930	356	14	decision	decision	NOUN
fsr-3930	356	15	rules	rule	NOUN
fsr-3930	356	16	.	.	PUNCT
fsr-3930	357	1	reichenstein	reichenstein	NOUN
fsr-3930	357	2	(	(	PUNCT
fsr-3930	357	3	1996	1996	NUM
fsr-3930	357	4	)	)	PUNCT
fsr-3930	358	1	307s.p	307s.p	PROPN
fsr-3930	358	2	.	.	PUNCT
fsr-3930	359	1	fraser	fraser	PROPN
fsr-3930	359	2	et	et	PROPN
fsr-3930	359	3	al	al	PROPN
fsr-3930	359	4	.	.	PUNCT
fsr-3930	359	5	/	/	SYM
fsr-3930	359	6	financial	financial	ADJ
fsr-3930	359	7	services	service	NOUN
fsr-3930	359	8	review	review	VERB
fsr-3930	359	9	9	9	NUM
fsr-3930	359	10	(	(	PUNCT
fsr-3930	359	11	2000	2000	NUM
fsr-3930	359	12	)	)	PUNCT
fsr-3930	360	1	295–326	295–326	NUM
fsr-3930	360	2	shows	show	VERB
fsr-3930	360	3	consensus	consensus	NOUN
fsr-3930	360	4	among	among	ADP
fsr-3930	360	5	asset	asset	NOUN
fsr-3930	360	6	allocation	allocation	NOUN
fsr-3930	360	7	strategies	strategy	NOUN
fsr-3930	360	8	from	from	ADP
fsr-3930	360	9	several	several	ADJ
fsr-3930	360	10	sources	source	NOUN
fsr-3930	360	11	including	include	VERB
fsr-3930	360	12	malkiel	malkiel	PROPN
fsr-3930	360	13	;	;	PUNCT
fsr-3930	360	14	fisher	fisher	PROPN
fsr-3930	360	15	and	and	CCONJ
fsr-3930	360	16	statman	statman	NOUN
fsr-3930	360	17	(	(	PUNCT
fsr-3930	360	18	1997	1997	NUM
fsr-3930	360	19	)	)	PUNCT
fsr-3930	360	20	also	also	ADV
fsr-3930	360	21	illustrate	illustrate	VERB
fsr-3930	360	22	commonalities	commonality	NOUN
fsr-3930	360	23	across	across	ADP
fsr-3930	360	24	expert	expert	NOUN
fsr-3930	360	25	asset	asset	NOUN
fsr-3930	360	26	allocations	allocation	NOUN
fsr-3930	360	27	.	.	PUNCT
fsr-3930	361	1	the	the	DET
fsr-3930	361	2	fourth	fourth	ADJ
fsr-3930	361	3	strategic	strategic	ADJ
fsr-3930	361	4	asset	asset	NOUN
fsr-3930	361	5	allocation	allocation	NOUN
fsr-3930	361	6	approach	approach	NOUN
fsr-3930	361	7	we	we	PRON
fsr-3930	361	8	consider	consider	VERB
fsr-3930	361	9	is	be	AUX
fsr-3930	361	10	mean	mean	ADJ
fsr-3930	361	11	-	-	PUNCT
fsr-3930	361	12	variance	variance	NOUN
fsr-3930	361	13	optimization	optimization	NOUN
fsr-3930	361	14	.	.	PUNCT
fsr-3930	362	1	under	under	ADP
fsr-3930	362	2	mean	mean	ADJ
fsr-3930	362	3	-	-	PUNCT
fsr-3930	362	4	variance	variance	NOUN
fsr-3930	362	5	optimization	optimization	NOUN
fsr-3930	362	6	,	,	PUNCT
fsr-3930	362	7	we	we	PRON
fsr-3930	362	8	examine	examine	VERB
fsr-3930	362	9	portfolio	portfolio	NOUN
fsr-3930	362	10	implications	implication	NOUN
fsr-3930	362	11	for	for	ADP
fsr-3930	362	12	a	a	DET
fsr-3930	362	13	range	range	NOUN
fsr-3930	362	14	of	of	ADP
fsr-3930	362	15	risk	risk	NOUN
fsr-3930	362	16	aversion	aversion	NOUN
fsr-3930	362	17	levels	level	NOUN
fsr-3930	362	18	.	.	PUNCT
fsr-3930	363	1	the	the	DET
fsr-3930	363	2	four	four	NUM
fsr-3930	363	3	asset	asset	NOUN
fsr-3930	363	4	allocation	allocation	NOUN
fsr-3930	363	5	strategies	strategy	NOUN
fsr-3930	363	6	are	be	AUX
fsr-3930	363	7	summarized	summarize	VERB
fsr-3930	363	8	in	in	ADP
fsr-3930	363	9	table	table	NOUN
fsr-3930	363	10	2	2	NUM
fsr-3930	363	11	.	.	NOUN
fsr-3930	363	12	4.2	4.2	NUM
fsr-3930	363	13	.	.	PUNCT
fsr-3930	364	1	implications	implication	NOUN
fsr-3930	364	2	for	for	ADP
fsr-3930	364	3	the	the	DET
fsr-3930	364	4	classic	classic	ADJ
fsr-3930	364	5	60/40	60/40	NUM
fsr-3930	364	6	mix	mix	NOUN
fsr-3930	364	7	table	table	NOUN
fsr-3930	364	8	3	3	NUM
fsr-3930	364	9	treats	treat	VERB
fsr-3930	364	10	social	social	ADJ
fsr-3930	364	11	security	security	NOUN
fsr-3930	364	12	wealth	wealth	NOUN
fsr-3930	364	13	as	as	ADP
fsr-3930	364	14	a	a	DET
fsr-3930	364	15	bond	bond	NOUN
fsr-3930	364	16	and	and	CCONJ
fsr-3930	364	17	shows	show	NOUN
fsr-3930	364	18	expanded	expand	VERB
fsr-3930	364	19	portfolio	portfolio	NOUN
fsr-3930	364	20	asset	asset	NOUN
fsr-3930	364	21	mixes	mix	VERB
fsr-3930	364	22	when	when	SCONJ
fsr-3930	364	23	the	the	DET
fsr-3930	364	24	financial	financial	ADJ
fsr-3930	364	25	portfolio	portfolio	NOUN
fsr-3930	364	26	is	be	AUX
fsr-3930	364	27	a	a	DET
fsr-3930	364	28	60/40	60/40	NUM
fsr-3930	364	29	fixed	fix	VERB
fsr-3930	364	30	mix	mix	NOUN
fsr-3930	364	31	.	.	PUNCT
fsr-3930	365	1	a	a	DET
fsr-3930	365	2	fifty	fifty	NUM
fsr-3930	365	3	-	-	PUNCT
fsr-3930	365	4	year	year	NOUN
fsr-3930	365	5	-	-	PUNCT
fsr-3930	365	6	old	old	ADJ
fsr-3930	365	7	5	5	NUM
fsr-3930	365	8	%	%	NOUN
fsr-3930	365	9	saver	saver	NOUN
fsr-3930	365	10	who	who	PRON
fsr-3930	365	11	thinks	think	VERB
fsr-3930	365	12	he	he	PRON
fsr-3930	365	13	owns	own	VERB
fsr-3930	365	14	more	more	ADJ
fsr-3930	365	15	stocks	stock	NOUN
fsr-3930	365	16	than	than	ADP
fsr-3930	365	17	bonds	bond	NOUN
fsr-3930	365	18	(	(	PUNCT
fsr-3930	365	19	the	the	DET
fsr-3930	365	20	60/40	60/40	NUM
fsr-3930	365	21	mix	mix	NOUN
fsr-3930	365	22	)	)	PUNCT
fsr-3930	365	23	actually	actually	ADV
fsr-3930	365	24	only	only	ADV
fsr-3930	365	25	owns	own	VERB
fsr-3930	365	26	half	half	DET
fsr-3930	365	27	as	as	ADV
fsr-3930	365	28	much	much	ADJ
fsr-3930	365	29	stocks	stock	NOUN
fsr-3930	365	30	as	as	ADP
fsr-3930	365	31	bonds	bond	NOUN
fsr-3930	365	32	in	in	ADP
fsr-3930	365	33	his	his	PRON
fsr-3930	365	34	expanded	expand	VERB
fsr-3930	365	35	portfolio	portfolio	NOUN
fsr-3930	365	36	(	(	PUNCT
fsr-3930	365	37	35	35	NUM
fsr-3930	365	38	%	%	NOUN
fsr-3930	365	39	stocks/65	stocks/65	NOUN
fsr-3930	365	40	%	%	NOUN
fsr-3930	365	41	bonds	bond	NOUN
fsr-3930	365	42	)	)	PUNCT
fsr-3930	365	43	when	when	SCONJ
fsr-3930	365	44	social	social	ADJ
fsr-3930	365	45	security	security	NOUN
fsr-3930	365	46	wealth	wealth	NOUN
fsr-3930	365	47	is	be	AUX
fsr-3930	365	48	included	include	VERB
fsr-3930	365	49	.	.	PUNCT
fsr-3930	366	1	that	that	PRON
fsr-3930	366	2	is	is	ADV
fsr-3930	366	3	,	,	PUNCT
fsr-3930	366	4	holding	hold	VERB
fsr-3930	366	5	60	60	NUM
fsr-3930	366	6	%	%	NOUN
fsr-3930	366	7	stocks	stock	NOUN
fsr-3930	366	8	and	and	CCONJ
fsr-3930	366	9	40	40	NUM
fsr-3930	366	10	%	%	NOUN
fsr-3930	366	11	bonds	bond	NOUN
fsr-3930	366	12	in	in	ADP
fsr-3930	366	13	the	the	DET
fsr-3930	366	14	financial	financial	ADJ
fsr-3930	366	15	portfolio	portfolio	NOUN
fsr-3930	366	16	really	really	ADV
fsr-3930	366	17	equates	equate	VERB
fsr-3930	366	18	to	to	ADP
fsr-3930	366	19	holding	hold	VERB
fsr-3930	366	20	35	35	NUM
fsr-3930	366	21	%	%	NOUN
fsr-3930	366	22	stocks	stock	NOUN
fsr-3930	366	23	and	and	CCONJ
fsr-3930	366	24	65	65	NUM
fsr-3930	366	25	%	%	NOUN
fsr-3930	366	26	bonds	bond	NOUN
fsr-3930	366	27	(	(	PUNCT
fsr-3930	366	28	actual	actual	ADJ
fsr-3930	366	29	bonds	bond	NOUN
fsr-3930	366	30	plus	plus	CCONJ
fsr-3930	366	31	social	social	ADJ
fsr-3930	366	32	security	security	NOUN
fsr-3930	366	33	wealth	wealth	NOUN
fsr-3930	366	34	)	)	PUNCT
fsr-3930	366	35	in	in	ADP
fsr-3930	366	36	the	the	DET
fsr-3930	366	37	expanded	expand	VERB
fsr-3930	366	38	portfolio	portfolio	NOUN
fsr-3930	366	39	.	.	PUNCT
fsr-3930	367	1	we	we	PRON
fsr-3930	367	2	rely	rely	VERB
fsr-3930	367	3	on	on	ADP
fsr-3930	367	4	the	the	DET
fsr-3930	367	5	following	follow	VERB
fsr-3930	367	6	formula	formula	NOUN
fsr-3930	367	7	:	:	PUNCT
fsr-3930	367	8	%	%	NOUN
fsr-3930	367	9	stocksexpanded	stocksexpande	VERB
fsr-3930	367	10	portfolio	portfolio	PROPN
fsr-3930	367	11	�	�	PROPN
fsr-3930	367	12	%	%	PROPN
fsr-3930	367	13	stocksfinancial	stocksfinancial	PROPN
fsr-3930	367	14	portfolio	portfolio	NOUN
fsr-3930	367	15	�	�	PROPN
fsr-3930	367	16	wealthfinancial	wealthfinancial	PROPN
fsr-3930	367	17	portfolio	portfolio	NOUN
fsr-3930	367	18	wealthfinancial	wealthfinancial	PROPN
fsr-3930	367	19	portfolio	portfolio	NOUN
fsr-3930	367	20	�	�	PROPN
fsr-3930	367	21	wealthsocial	wealthsocial	PROPN
fsr-3930	367	22	security	security	NOUN
fsr-3930	367	23	(	(	PUNCT
fsr-3930	367	24	4	4	NUM
fsr-3930	367	25	)	)	PUNCT
fsr-3930	367	26	fifty	fifty	NUM
fsr-3930	367	27	-	-	PUNCT
fsr-3930	367	28	year	year	NOUN
fsr-3930	367	29	-	-	PUNCT
fsr-3930	367	30	old	old	ADJ
fsr-3930	367	31	couples	couple	NOUN
fsr-3930	367	32	,	,	PUNCT
fsr-3930	367	33	with	with	ADP
fsr-3930	367	34	more	more	ADJ
fsr-3930	367	35	social	social	ADJ
fsr-3930	367	36	security	security	NOUN
fsr-3930	367	37	wealth	wealth	NOUN
fsr-3930	367	38	,	,	PUNCT
fsr-3930	367	39	are	be	AUX
fsr-3930	367	40	even	even	ADV
fsr-3930	367	41	more	more	ADV
fsr-3930	367	42	underweighted	underweighted	ADJ
fsr-3930	367	43	in	in	ADP
fsr-3930	367	44	stocks	stock	NOUN
fsr-3930	367	45	.	.	PUNCT
fsr-3930	368	1	better	well	ADJ
fsr-3930	368	2	savers	saver	NOUN
fsr-3930	368	3	,	,	PUNCT
fsr-3930	368	4	with	with	ADP
fsr-3930	368	5	larger	large	ADJ
fsr-3930	368	6	financial	financial	ADJ
fsr-3930	368	7	portfolios	portfolio	NOUN
fsr-3930	368	8	,	,	PUNCT
fsr-3930	368	9	obviously	obviously	ADV
fsr-3930	368	10	have	have	VERB
fsr-3930	368	11	a	a	DET
fsr-3930	368	12	larger	large	ADJ
fsr-3930	368	13	stock	stock	NOUN
fsr-3930	368	14	allocation	allocation	NOUN
fsr-3930	368	15	in	in	ADP
fsr-3930	368	16	their	their	PRON
fsr-3930	368	17	expanded	expand	VERB
fsr-3930	368	18	portfolio	portfolio	NOUN
fsr-3930	368	19	,	,	PUNCT
fsr-3930	368	20	but	but	CCONJ
fsr-3930	368	21	none	none	NOUN
fsr-3930	368	22	of	of	ADP
fsr-3930	368	23	the	the	DET
fsr-3930	368	24	four	four	NUM
fsr-3930	368	25	types	type	NOUN
fsr-3930	368	26	of	of	ADP
fsr-3930	368	27	savers	saver	NOUN
fsr-3930	368	28	has	have	VERB
fsr-3930	368	29	even	even	ADV
fsr-3930	368	30	a	a	DET
fsr-3930	368	31	50	50	NUM
fsr-3930	368	32	%	%	NOUN
fsr-3930	368	33	stock	stock	NOUN
fsr-3930	368	34	allocation	allocation	NOUN
fsr-3930	368	35	.	.	PUNCT
fsr-3930	369	1	in	in	ADP
fsr-3930	369	2	no	no	DET
fsr-3930	369	3	case	case	NOUN
fsr-3930	369	4	are	be	AUX
fsr-3930	369	5	seemingly	seemingly	ADV
fsr-3930	369	6	equity	equity	NOUN
fsr-3930	369	7	-	-	PUNCT
fsr-3930	369	8	heavy	heavy	ADJ
fsr-3930	369	9	portfolios	portfolio	NOUN
fsr-3930	369	10	even	even	ADV
fsr-3930	369	11	majority	majority	NOUN
fsr-3930	369	12	-	-	PUNCT
fsr-3930	369	13	equity	equity	NOUN
fsr-3930	369	14	portfolios	portfolio	NOUN
fsr-3930	369	15	.	.	PUNCT
fsr-3930	370	1	because	because	SCONJ
fsr-3930	370	2	social	social	ADJ
fsr-3930	370	3	security	security	NOUN
fsr-3930	370	4	wealth	wealth	NOUN
fsr-3930	370	5	grows	grow	VERB
fsr-3930	370	6	at	at	ADP
fsr-3930	370	7	the	the	DET
fsr-3930	370	8	same	same	ADJ
fsr-3930	370	9	time	time	NOUN
fsr-3930	370	10	as	as	SCONJ
fsr-3930	370	11	the	the	DET
fsr-3930	370	12	financial	financial	ADJ
fsr-3930	370	13	portfolio	portfolio	NOUN
fsr-3930	370	14	grows	grow	VERB
fsr-3930	370	15	,	,	PUNCT
fsr-3930	370	16	these	these	DET
fsr-3930	370	17	patterns	pattern	NOUN
fsr-3930	370	18	are	be	AUX
fsr-3930	370	19	relatively	relatively	ADV
fsr-3930	370	20	consistent	consistent	ADJ
fsr-3930	370	21	over	over	ADP
fsr-3930	370	22	a	a	DET
fsr-3930	370	23	lifetime	lifetime	NOUN
fsr-3930	370	24	.	.	PUNCT
fsr-3930	371	1	fig	fig	NOUN
fsr-3930	371	2	.	.	PUNCT
fsr-3930	372	1	2	2	NUM
fsr-3930	372	2	shows	show	VERB
fsr-3930	372	3	the	the	DET
fsr-3930	372	4	resultant	resultant	NOUN
fsr-3930	372	5	expanded	expand	VERB
fsr-3930	372	6	portfolio	portfolio	NOUN
fsr-3930	372	7	asset	asset	NOUN
fsr-3930	372	8	mix	mix	NOUN
fsr-3930	372	9	for	for	ADP
fsr-3930	372	10	a	a	DET
fsr-3930	372	11	fifty	fifty	NUM
fsr-3930	372	12	-	-	PUNCT
fsr-3930	372	13	year	year	NOUN
fsr-3930	372	14	-	-	PUNCT
fsr-3930	372	15	old	old	ADJ
fsr-3930	372	16	10%-saver	10%-saver	NUM
fsr-3930	372	17	couple	couple	NOUN
fsr-3930	372	18	when	when	SCONJ
fsr-3930	372	19	the	the	DET
fsr-3930	372	20	financial	financial	ADJ
fsr-3930	372	21	portfolio	portfolio	NOUN
fsr-3930	372	22	is	be	AUX
fsr-3930	372	23	a	a	DET
fsr-3930	372	24	60/40	60/40	NUM
fsr-3930	372	25	fixed	fix	VERB
fsr-3930	372	26	mix	mix	NOUN
fsr-3930	372	27	.	.	PUNCT
fsr-3930	373	1	the	the	DET
fsr-3930	373	2	discussion	discussion	NOUN
fsr-3930	373	3	above	above	ADV
fsr-3930	373	4	is	be	AUX
fsr-3930	373	5	descriptive	descriptive	ADJ
fsr-3930	373	6	—	—	PUNCT
fsr-3930	373	7	it	it	PRON
fsr-3930	373	8	describes	describe	VERB
fsr-3930	373	9	the	the	DET
fsr-3930	373	10	real	real	ADJ
fsr-3930	373	11	consequences	consequence	NOUN
fsr-3930	373	12	of	of	ADP
fsr-3930	373	13	applying	apply	VERB
fsr-3930	373	14	the	the	DET
fsr-3930	373	15	fixed	fix	VERB
fsr-3930	373	16	mix	mix	NOUN
fsr-3930	373	17	to	to	ADP
fsr-3930	373	18	a	a	DET
fsr-3930	373	19	financial	financial	ADJ
fsr-3930	373	20	portfolio	portfolio	NOUN
fsr-3930	373	21	.	.	PUNCT
fsr-3930	374	1	what	what	PRON
fsr-3930	374	2	follows	follow	VERB
fsr-3930	374	3	is	be	AUX
fsr-3930	374	4	prescriptive	prescriptive	ADJ
fsr-3930	374	5	—	—	PUNCT
fsr-3930	374	6	it	it	PRON
fsr-3930	374	7	describes	describe	VERB
fsr-3930	374	8	how	how	SCONJ
fsr-3930	374	9	to	to	PART
fsr-3930	374	10	implement	implement	VERB
fsr-3930	374	11	a	a	DET
fsr-3930	374	12	financial	financial	ADJ
fsr-3930	374	13	portfolio	portfolio	NOUN
fsr-3930	374	14	in	in	ADP
fsr-3930	374	15	order	order	NOUN
fsr-3930	374	16	to	to	PART
fsr-3930	374	17	achieve	achieve	VERB
fsr-3930	374	18	a	a	DET
fsr-3930	374	19	desired	desire	VERB
fsr-3930	374	20	expanded	expand	VERB
fsr-3930	374	21	portfolio	portfolio	NOUN
fsr-3930	374	22	.	.	PUNCT
fsr-3930	375	1	table	table	NOUN
fsr-3930	375	2	4	4	NUM
fsr-3930	375	3	shows	show	VERB
fsr-3930	375	4	the	the	DET
fsr-3930	375	5	required	require	VERB
fsr-3930	375	6	asset	asset	NOUN
fsr-3930	375	7	mixes	mix	VERB
fsr-3930	375	8	in	in	ADP
fsr-3930	375	9	the	the	DET
fsr-3930	375	10	financial	financial	ADJ
fsr-3930	375	11	portfolio	portfolio	NOUN
fsr-3930	375	12	to	to	PART
fsr-3930	375	13	obtain	obtain	VERB
fsr-3930	375	14	a	a	DET
fsr-3930	375	15	60/40	60/40	NUM
fsr-3930	375	16	fixed	fix	VERB
fsr-3930	375	17	mix	mix	NOUN
fsr-3930	375	18	in	in	ADP
fsr-3930	375	19	the	the	DET
fsr-3930	375	20	expanded	expand	VERB
fsr-3930	375	21	portfolio	portfolio	NOUN
fsr-3930	375	22	;	;	PUNCT
fsr-3930	375	23	that	that	PRON
fsr-3930	375	24	is	is	ADV
fsr-3930	375	25	,	,	PUNCT
fsr-3930	375	26	table	table	NOUN
fsr-3930	375	27	4	4	NUM
fsr-3930	375	28	shows	show	VERB
fsr-3930	375	29	how	how	SCONJ
fsr-3930	375	30	to	to	PART
fsr-3930	375	31	implement	implement	VERB
fsr-3930	375	32	a	a	DET
fsr-3930	375	33	60/40	60/40	NUM
fsr-3930	375	34	fixed	fix	VERB
fsr-3930	375	35	mix	mix	NOUN
fsr-3930	375	36	in	in	ADP
fsr-3930	375	37	the	the	DET
fsr-3930	375	38	expanded	expand	VERB
fsr-3930	375	39	portfolio	portfolio	NOUN
fsr-3930	375	40	by	by	ADP
fsr-3930	375	41	adjusting	adjust	VERB
fsr-3930	375	42	the	the	DET
fsr-3930	375	43	financial	financial	ADJ
fsr-3930	375	44	portfolio	portfolio	NOUN
fsr-3930	375	45	.	.	PUNCT
fsr-3930	376	1	we	we	PRON
fsr-3930	376	2	use	use	VERB
fsr-3930	376	3	the	the	DET
fsr-3930	376	4	following	follow	VERB
fsr-3930	376	5	formula	formula	NOUN
fsr-3930	376	6	:	:	PUNCT
fsr-3930	376	7	table	table	NOUN
fsr-3930	376	8	2	2	NUM
fsr-3930	376	9	summary	summary	NOUN
fsr-3930	376	10	of	of	ADP
fsr-3930	376	11	the	the	DET
fsr-3930	376	12	four	four	NUM
fsr-3930	376	13	asset	asset	NOUN
fsr-3930	376	14	allocation	allocation	NOUN
fsr-3930	376	15	strategies	strategy	NOUN
fsr-3930	376	16	asset	asset	NOUN
fsr-3930	376	17	-	-	PUNCT
fsr-3930	376	18	mix	mix	NOUN
fsr-3930	376	19	decision	decision	NOUN
fsr-3930	376	20	rule	rule	NOUN
fsr-3930	376	21	description	description	NOUN
fsr-3930	376	22	citation	citation	NOUN
fsr-3930	376	23	fixed	fix	VERB
fsr-3930	376	24	mix	mix	NOUN
fsr-3930	376	25	hold	hold	VERB
fsr-3930	376	26	60	60	NUM
fsr-3930	376	27	%	%	NOUN
fsr-3930	376	28	stocks	stock	NOUN
fsr-3930	376	29	and	and	CCONJ
fsr-3930	376	30	40	40	NUM
fsr-3930	376	31	%	%	NOUN
fsr-3930	376	32	bonds	bond	NOUN
fsr-3930	376	33	.	.	PUNCT
fsr-3930	377	1	maginn	maginn	NOUN
fsr-3930	377	2	and	and	CCONJ
fsr-3930	377	3	tuttle	tuttle	PROPN
fsr-3930	377	4	(	(	PUNCT
fsr-3930	377	5	1990	1990	NUM
fsr-3930	377	6	)	)	PUNCT
fsr-3930	377	7	life	life	NOUN
fsr-3930	377	8	cycle	cycle	NOUN
fsr-3930	377	9	mix	mix	NOUN
fsr-3930	377	10	hold	hold	NOUN
fsr-3930	377	11	(	(	PUNCT
fsr-3930	377	12	1	1	NUM
fsr-3930	377	13	-	-	NUM
fsr-3930	377	14	age)%	age)%	NOUN
fsr-3930	377	15	in	in	ADP
fsr-3930	377	16	stocks	stock	NOUN
fsr-3930	377	17	and	and	CCONJ
fsr-3930	377	18	(	(	PUNCT
fsr-3930	377	19	age)%	age)%	PROPN
fsr-3930	377	20	in	in	ADP
fsr-3930	377	21	bonds	bond	NOUN
fsr-3930	377	22	.	.	PUNCT
fsr-3930	378	1	bogle	bogle	PROPN
fsr-3930	378	2	(	(	PUNCT
fsr-3930	378	3	1994	1994	NUM
fsr-3930	378	4	)	)	PUNCT
fsr-3930	378	5	consensus	consensus	NOUN
fsr-3930	378	6	expert	expert	NOUN
fsr-3930	378	7	mix	mix	NOUN
fsr-3930	378	8	hold	hold	VERB
fsr-3930	378	9	stocks	stock	NOUN
fsr-3930	378	10	and	and	CCONJ
fsr-3930	378	11	bonds	bond	NOUN
fsr-3930	378	12	in	in	ADP
fsr-3930	378	13	accordance	accordance	NOUN
fsr-3930	378	14	with	with	ADP
fsr-3930	378	15	malkiel	malkiel	PROPN
fsr-3930	378	16	’s	’s	PART
fsr-3930	378	17	“	"	PUNCT
fsr-3930	378	18	life	life	NOUN
fsr-3930	378	19	-	-	PUNCT
fsr-3930	378	20	cycle	cycle	NOUN
fsr-3930	378	21	savings	saving	NOUN
fsr-3930	378	22	allocations	allocation	NOUN
fsr-3930	378	23	.	.	PUNCT
fsr-3930	378	24	”	"	PUNCT
fsr-3930	379	1	malkiel	malkiel	PROPN
fsr-3930	379	2	(	(	PUNCT
fsr-3930	379	3	1996	1996	NUM
fsr-3930	379	4	)	)	PUNCT
fsr-3930	379	5	mean	mean	ADJ
fsr-3930	379	6	-	-	PUNCT
fsr-3930	379	7	variance	variance	NOUN
fsr-3930	379	8	optimization	optimization	NOUN
fsr-3930	379	9	hold	hold	VERB
fsr-3930	379	10	stocks	stock	NOUN
fsr-3930	379	11	and	and	CCONJ
fsr-3930	379	12	bonds	bond	NOUN
fsr-3930	379	13	in	in	ADP
fsr-3930	379	14	proportions	proportion	NOUN
fsr-3930	379	15	found	find	VERB
fsr-3930	379	16	on	on	ADP
fsr-3930	379	17	the	the	DET
fsr-3930	379	18	mean	mean	ADJ
fsr-3930	379	19	-	-	PUNCT
fsr-3930	379	20	variance	variance	NOUN
fsr-3930	379	21	efficient	efficient	ADJ
fsr-3930	379	22	frontier	frontier	NOUN
fsr-3930	379	23	.	.	PUNCT
fsr-3930	380	1	markowitz	markowitz	PROPN
fsr-3930	380	2	(	(	PUNCT
fsr-3930	380	3	1959	1959	NUM
fsr-3930	380	4	)	)	PUNCT
fsr-3930	380	5	308	308	NUM
fsr-3930	380	6	s.p	s.p	PROPN
fsr-3930	380	7	.	.	PROPN
fsr-3930	380	8	fraser	fraser	PROPN
fsr-3930	380	9	et	et	PROPN
fsr-3930	380	10	al	al	PROPN
fsr-3930	380	11	.	.	PUNCT
fsr-3930	380	12	/	/	SYM
fsr-3930	380	13	financial	financial	ADJ
fsr-3930	380	14	services	service	NOUN
fsr-3930	380	15	review	review	VERB
fsr-3930	380	16	9	9	NUM
fsr-3930	380	17	(	(	PUNCT
fsr-3930	380	18	2000	2000	NUM
fsr-3930	380	19	)	)	PUNCT
fsr-3930	381	1	295–326	295–326	NUM
fsr-3930	381	2	%	%	NOUN
fsr-3930	381	3	stocksfinancial	stocksfinancial	ADJ
fsr-3930	381	4	portfolio	portfolio	NOUN
fsr-3930	381	5	�	�	PROPN
fsr-3930	381	6	%	%	PROPN
fsr-3930	381	7	stocksexpanded	stocksexpande	VERB
fsr-3930	381	8	portfolio	portfolio	PROPN
fsr-3930	381	9	�	�	PROPN
fsr-3930	381	10	�	�	PROPN
fsr-3930	381	11	wealthfinancial	wealthfinancial	PROPN
fsr-3930	381	12	portfolio	portfolio	NOUN
fsr-3930	381	13	�	�	PROPN
fsr-3930	381	14	wealthsocial	wealthsocial	PROPN
fsr-3930	381	15	security	security	NOUN
fsr-3930	381	16	)	)	PUNCT
fsr-3930	381	17	wealthfinancial	wealthfinancial	ADJ
fsr-3930	381	18	portfolio	portfolio	NOUN
fsr-3930	381	19	(	(	PUNCT
fsr-3930	381	20	5	5	NUM
fsr-3930	381	21	)	)	PUNCT
fsr-3930	381	22	again	again	ADV
fsr-3930	381	23	,	,	PUNCT
fsr-3930	381	24	consider	consider	VERB
fsr-3930	381	25	a	a	DET
fsr-3930	381	26	single	single	ADJ
fsr-3930	381	27	fifty	fifty	NUM
fsr-3930	381	28	-	-	PUNCT
fsr-3930	381	29	year	year	NOUN
fsr-3930	381	30	-	-	PUNCT
fsr-3930	381	31	old	old	ADJ
fsr-3930	381	32	5	5	NUM
fsr-3930	381	33	%	%	NOUN
fsr-3930	381	34	saver	saver	NOUN
fsr-3930	381	35	;	;	PUNCT
fsr-3930	381	36	he	he	PRON
fsr-3930	381	37	or	or	CCONJ
fsr-3930	381	38	she	she	PRON
fsr-3930	381	39	should	should	AUX
fsr-3930	381	40	be	be	AUX
fsr-3930	381	41	very	very	ADV
fsr-3930	381	42	slightly	slightly	ADV
fsr-3930	381	43	leveraged	leveraged	ADJ
fsr-3930	381	44	in	in	ADP
fsr-3930	381	45	her	her	PRON
fsr-3930	381	46	financial	financial	ADJ
fsr-3930	381	47	portfolio	portfolio	NOUN
fsr-3930	381	48	.	.	PUNCT
fsr-3930	382	1	this	this	DET
fsr-3930	382	2	slight	slight	ADJ
fsr-3930	382	3	leverage	leverage	NOUN
fsr-3930	382	4	(	(	PUNCT
fsr-3930	382	5	103	103	NUM
fsr-3930	382	6	%	%	NOUN
fsr-3930	382	7	equities	equity	NOUN
fsr-3930	382	8	)	)	PUNCT
fsr-3930	382	9	is	be	AUX
fsr-3930	382	10	equivalent	equivalent	ADJ
fsr-3930	382	11	to	to	PART
fsr-3930	382	12	margin	margin	VERB
fsr-3930	382	13	borrowing	borrowing	NOUN
fsr-3930	382	14	.	.	PUNCT
fsr-3930	383	1	the	the	DET
fsr-3930	383	2	fifty	fifty	NUM
fsr-3930	383	3	-	-	PUNCT
fsr-3930	383	4	year	year	NOUN
fsr-3930	383	5	-	-	PUNCT
fsr-3930	383	6	old	old	ADJ
fsr-3930	383	7	couple	couple	NOUN
fsr-3930	383	8	should	should	AUX
fsr-3930	383	9	be	be	AUX
fsr-3930	383	10	somewhat	somewhat	ADV
fsr-3930	383	11	more	more	ADV
fsr-3930	383	12	heavily	heavily	ADV
fsr-3930	383	13	leveraged	leveraged	ADJ
fsr-3930	383	14	(	(	PUNCT
fsr-3930	383	15	131	131	NUM
fsr-3930	383	16	%	%	NOUN
fsr-3930	383	17	in	in	ADP
fsr-3930	383	18	equity	equity	NOUN
fsr-3930	383	19	)	)	PUNCT
fsr-3930	383	20	.	.	PUNCT
fsr-3930	384	1	margin	margin	NOUN
fsr-3930	384	2	borrowing	borrowing	NOUN
fsr-3930	384	3	is	be	AUX
fsr-3930	384	4	only	only	ADV
fsr-3930	384	5	required	require	VERB
fsr-3930	384	6	for	for	ADP
fsr-3930	384	7	the	the	DET
fsr-3930	384	8	worst	bad	ADJ
fsr-3930	384	9	savers	saver	NOUN
fsr-3930	384	10	among	among	ADP
fsr-3930	384	11	our	our	PRON
fsr-3930	384	12	four	four	NUM
fsr-3930	384	13	types	type	NOUN
fsr-3930	384	14	of	of	ADP
fsr-3930	384	15	fifty	fifty	NUM
fsr-3930	384	16	year	year	NOUN
fsr-3930	384	17	olds	old	NOUN
fsr-3930	384	18	;	;	PUNCT
fsr-3930	384	19	a	a	DET
fsr-3930	384	20	fifty	fifty	NUM
fsr-3930	384	21	-	-	PUNCT
fsr-3930	384	22	year	year	NOUN
fsr-3930	384	23	-	-	PUNCT
fsr-3930	384	24	old	old	ADJ
fsr-3930	384	25	10	10	NUM
fsr-3930	384	26	%	%	NOUN
fsr-3930	384	27	saver	saver	NOUN
fsr-3930	384	28	should	should	AUX
fsr-3930	384	29	have	have	VERB
fsr-3930	384	30	81	81	NUM
fsr-3930	384	31	%	%	NOUN
fsr-3930	384	32	stock	stock	NOUN
fsr-3930	384	33	in	in	ADP
fsr-3930	384	34	her	her	PRON
fsr-3930	384	35	financial	financial	ADJ
fsr-3930	384	36	portfolio	portfolio	NOUN
fsr-3930	384	37	if	if	SCONJ
fsr-3930	384	38	single	single	ADJ
fsr-3930	384	39	or	or	CCONJ
fsr-3930	384	40	95	95	NUM
fsr-3930	384	41	%	%	NOUN
fsr-3930	384	42	if	if	SCONJ
fsr-3930	384	43	married	married	ADJ
fsr-3930	384	44	.	.	PUNCT
fsr-3930	385	1	fig	fig	NOUN
fsr-3930	385	2	.	.	PUNCT
fsr-3930	386	1	3	3	NUM
fsr-3930	386	2	shows	show	VERB
fsr-3930	386	3	the	the	DET
fsr-3930	386	4	required	require	VERB
fsr-3930	386	5	financial	financial	ADJ
fsr-3930	386	6	portfolio	portfolio	NOUN
fsr-3930	386	7	asset	asset	NOUN
fsr-3930	386	8	mix	mix	NOUN
fsr-3930	386	9	for	for	ADP
fsr-3930	386	10	a	a	DET
fsr-3930	386	11	fifty	fifty	NUM
fsr-3930	386	12	-	-	PUNCT
fsr-3930	386	13	year	year	NOUN
fsr-3930	386	14	-	-	PUNCT
fsr-3930	386	15	old	old	ADJ
fsr-3930	386	16	10%-saver	10%-saver	NUM
fsr-3930	386	17	couple	couple	NOUN
fsr-3930	386	18	when	when	SCONJ
fsr-3930	386	19	the	the	DET
fsr-3930	386	20	desired	desire	VERB
fsr-3930	386	21	expanded	expand	VERB
fsr-3930	386	22	portfolio	portfolio	NOUN
fsr-3930	386	23	is	be	AUX
fsr-3930	386	24	a	a	DET
fsr-3930	386	25	60/40	60/40	NUM
fsr-3930	386	26	fixed	fix	VERB
fsr-3930	386	27	mix	mix	NOUN
fsr-3930	386	28	.	.	PUNCT
fsr-3930	387	1	as	as	SCONJ
fsr-3930	387	2	one	one	PRON
fsr-3930	387	3	can	can	AUX
fsr-3930	387	4	see	see	VERB
fsr-3930	387	5	in	in	ADP
fsr-3930	387	6	table	table	NOUN
fsr-3930	387	7	4	4	NUM
fsr-3930	387	8	,	,	PUNCT
fsr-3930	387	9	social	social	ADJ
fsr-3930	387	10	security	security	NOUN
fsr-3930	387	11	wealth	wealth	NOUN
fsr-3930	387	12	has	have	VERB
fsr-3930	387	13	most	most	ADV
fsr-3930	387	14	significant	significant	ADJ
fsr-3930	387	15	impact	impact	NOUN
fsr-3930	387	16	for	for	ADP
fsr-3930	387	17	those	those	PRON
fsr-3930	387	18	just	just	ADV
fsr-3930	387	19	beginning	begin	VERB
fsr-3930	387	20	to	to	PART
fsr-3930	387	21	save	save	VERB
fsr-3930	387	22	(	(	PUNCT
fsr-3930	387	23	youngest	young	ADJ
fsr-3930	387	24	)	)	PUNCT
fsr-3930	387	25	,	,	PUNCT
fsr-3930	387	26	those	those	PRON
fsr-3930	387	27	no	no	ADV
fsr-3930	387	28	longer	long	ADV
fsr-3930	387	29	saving	save	VERB
fsr-3930	387	30	(	(	PUNCT
fsr-3930	387	31	oldest	old	ADJ
fsr-3930	387	32	)	)	PUNCT
fsr-3930	387	33	,	,	PUNCT
fsr-3930	387	34	and	and	CCONJ
fsr-3930	387	35	those	those	PRON
fsr-3930	387	36	that	that	PRON
fsr-3930	387	37	save	save	VERB
fsr-3930	387	38	the	the	DET
fsr-3930	387	39	least	least	ADJ
fsr-3930	387	40	.	.	PUNCT
fsr-3930	388	1	all	all	PRON
fsr-3930	388	2	of	of	ADP
fsr-3930	388	3	the	the	DET
fsr-3930	388	4	leveraged	leverage	VERB
fsr-3930	388	5	asset	asset	NOUN
fsr-3930	388	6	mixes	mixes	AUX
fsr-3930	388	7	described	describe	VERB
fsr-3930	388	8	in	in	ADP
fsr-3930	388	9	this	this	DET
fsr-3930	388	10	paper	paper	NOUN
fsr-3930	388	11	are	be	AUX
fsr-3930	388	12	feasible	feasible	ADJ
fsr-3930	388	13	.	.	PUNCT
fsr-3930	389	1	purchasing	purchase	VERB
fsr-3930	389	2	$	$	SYM
fsr-3930	389	3	100	100	NUM
fsr-3930	389	4	of	of	ADP
fsr-3930	389	5	stock	stock	NOUN
fsr-3930	389	6	on	on	ADP
fsr-3930	389	7	margin	margin	NOUN
fsr-3930	389	8	with	with	ADP
fsr-3930	389	9	$	$	SYM
fsr-3930	389	10	50	50	NUM
fsr-3930	389	11	equity	equity	NOUN
fsr-3930	389	12	is	be	AUX
fsr-3930	389	13	equivalent	equivalent	ADJ
fsr-3930	389	14	to	to	ADP
fsr-3930	389	15	a	a	DET
fsr-3930	389	16	portfolio	portfolio	NOUN
fsr-3930	389	17	with	with	ADP
fsr-3930	389	18	200	200	NUM
fsr-3930	389	19	%	%	NOUN
fsr-3930	389	20	stock/-100	stock/-100	NOUN
fsr-3930	389	21	%	%	NOUN
fsr-3930	389	22	bonds	bond	NOUN
fsr-3930	389	23	if	if	SCONJ
fsr-3930	389	24	one	one	PRON
fsr-3930	389	25	classifies	classify	VERB
fsr-3930	389	26	the	the	DET
fsr-3930	389	27	margin	margin	NOUN
fsr-3930	389	28	debt	debt	NOUN
fsr-3930	389	29	,	,	PUNCT
fsr-3930	389	30	a	a	DET
fsr-3930	389	31	fixed	fix	VERB
fsr-3930	389	32	obligation	obligation	NOUN
fsr-3930	389	33	,	,	PUNCT
fsr-3930	389	34	as	as	ADP
fsr-3930	389	35	a	a	DET
fsr-3930	389	36	(	(	PUNCT
fsr-3930	389	37	short	short	ADJ
fsr-3930	389	38	)	)	PUNCT
fsr-3930	389	39	bond	bond	NOUN
fsr-3930	389	40	.	.	PUNCT
fsr-3930	390	1	any	any	DET
fsr-3930	390	2	asset	asset	NOUN
fsr-3930	390	3	allocation	allocation	NOUN
fsr-3930	390	4	with	with	ADP
fsr-3930	390	5	the	the	DET
fsr-3930	390	6	bond	bond	NOUN
fsr-3930	390	7	weighting	weight	VERB
fsr-3930	390	8	greater	great	ADJ
fsr-3930	390	9	than	than	ADP
fsr-3930	390	10	or	or	CCONJ
fsr-3930	390	11	equal	equal	ADJ
fsr-3930	390	12	to	to	ADP
fsr-3930	390	13	�	�	NOUN
fsr-3930	390	14	100	100	NUM
fsr-3930	390	15	%	%	NOUN
fsr-3930	390	16	is	be	AUX
fsr-3930	390	17	possible	possible	ADJ
fsr-3930	390	18	with	with	ADP
fsr-3930	390	19	ordinary	ordinary	ADJ
fsr-3930	390	20	margin	margin	NOUN
fsr-3930	390	21	accounts	account	NOUN
fsr-3930	390	22	.	.	PUNCT
fsr-3930	391	1	stock	stock	NOUN
fsr-3930	391	2	index	index	NOUN
fsr-3930	391	3	futures	future	NOUN
fsr-3930	391	4	offer	offer	VERB
fsr-3930	391	5	even	even	ADV
fsr-3930	391	6	greater	great	ADJ
fsr-3930	391	7	leverage	leverage	NOUN
fsr-3930	391	8	potential	potential	NOUN
fsr-3930	391	9	.	.	PUNCT
fsr-3930	392	1	we	we	PRON
fsr-3930	392	2	considered	consider	VERB
fsr-3930	392	3	margined	margined	ADJ
fsr-3930	392	4	table	table	NOUN
fsr-3930	392	5	3	3	NUM
fsr-3930	392	6	implications	implication	NOUN
fsr-3930	392	7	of	of	ADP
fsr-3930	392	8	a	a	DET
fsr-3930	392	9	60/40	60/40	NUM
fsr-3930	392	10	mix	mix	NOUN
fsr-3930	392	11	in	in	ADP
fsr-3930	392	12	the	the	DET
fsr-3930	392	13	financial	financial	ADJ
fsr-3930	392	14	portfolio	portfolio	NOUN
fsr-3930	392	15	for	for	ADP
fsr-3930	392	16	the	the	DET
fsr-3930	392	17	expanded	expand	VERB
fsr-3930	392	18	portfolio	portfolio	NOUN
fsr-3930	392	19	demography	demography	NOUN
fsr-3930	392	20	perceived	perceive	VERB
fsr-3930	392	21	financial	financial	ADJ
fsr-3930	392	22	portfolio	portfolio	NOUN
fsr-3930	392	23	resultant	resultant	NOUN
fsr-3930	392	24	expanded	expand	VERB
fsr-3930	392	25	portfolio	portfolio	NOUN
fsr-3930	392	26	including	include	VERB
fsr-3930	392	27	social	social	ADJ
fsr-3930	392	28	security	security	NOUN
fsr-3930	392	29	wealth	wealth	NOUN
fsr-3930	392	30	5	5	NUM
fsr-3930	392	31	%	%	NOUN
fsr-3930	392	32	saver	saver	ADJ
fsr-3930	392	33	10	10	NUM
fsr-3930	392	34	%	%	NOUN
fsr-3930	392	35	saver	saver	ADJ
fsr-3930	392	36	15	15	NUM
fsr-3930	392	37	%	%	NOUN
fsr-3930	392	38	saver	saver	ADJ
fsr-3930	392	39	mnd	mnd	NOUN
fsr-3930	392	40	saver	saver	ADJ
fsr-3930	392	41	age	age	NOUN
fsr-3930	392	42	status	status	NOUN
fsr-3930	392	43	stocks	stock	NOUN
fsr-3930	392	44	bonds	bond	VERB
fsr-3930	392	45	stocks	stock	NOUN
fsr-3930	392	46	bonds	bond	VERB
fsr-3930	392	47	stocks	stock	NOUN
fsr-3930	392	48	bonds	bond	VERB
fsr-3930	392	49	stocks	stock	NOUN
fsr-3930	392	50	bonds	bond	VERB
fsr-3930	392	51	stocks	stock	NOUN
fsr-3930	392	52	bonds	bond	VERB
fsr-3930	392	53	30	30	NUM
fsr-3930	392	54	single	single	ADJ
fsr-3930	392	55	60	60	NUM
fsr-3930	392	56	%	%	NOUN
fsr-3930	392	57	40	40	NUM
fsr-3930	392	58	%	%	NOUN
fsr-3930	392	59	29	29	NUM
fsr-3930	392	60	%	%	NOUN
fsr-3930	392	61	71	71	NUM
fsr-3930	392	62	%	%	NOUN
fsr-3930	392	63	40	40	NUM
fsr-3930	392	64	%	%	NOUN
fsr-3930	392	65	60	60	NUM
fsr-3930	392	66	%	%	NOUN
fsr-3930	392	67	45	45	NUM
fsr-3930	392	68	%	%	NOUN
fsr-3930	392	69	55	55	NUM
fsr-3930	392	70	%	%	NOUN
fsr-3930	392	71	50	50	NUM
fsr-3930	392	72	%	%	NOUN
fsr-3930	392	73	50	50	NUM
fsr-3930	392	74	%	%	NOUN
fsr-3930	392	75	married	married	ADJ
fsr-3930	392	76	60	60	NUM
fsr-3930	392	77	%	%	NOUN
fsr-3930	392	78	40	40	NUM
fsr-3930	392	79	%	%	NOUN
fsr-3930	392	80	22	22	NUM
fsr-3930	392	81	%	%	NOUN
fsr-3930	392	82	78	78	NUM
fsr-3930	392	83	%	%	NOUN
fsr-3930	392	84	32	32	NUM
fsr-3930	392	85	%	%	NOUN
fsr-3930	392	86	68	68	NUM
fsr-3930	392	87	%	%	NOUN
fsr-3930	392	88	38	38	NUM
fsr-3930	392	89	%	%	NOUN
fsr-3930	392	90	62	62	NUM
fsr-3930	392	91	%	%	NOUN
fsr-3930	392	92	44	44	NUM
fsr-3930	392	93	%	%	NOUN
fsr-3930	392	94	56	56	NUM
fsr-3930	392	95	%	%	NOUN
fsr-3930	392	96	40	40	NUM
fsr-3930	392	97	single	single	ADJ
fsr-3930	392	98	60	60	NUM
fsr-3930	392	99	%	%	NOUN
fsr-3930	392	100	40	40	NUM
fsr-3930	392	101	%	%	NOUN
fsr-3930	392	102	36	36	NUM
fsr-3930	392	103	%	%	NOUN
fsr-3930	392	104	64	64	NUM
fsr-3930	392	105	%	%	NOUN
fsr-3930	392	106	45	45	NUM
fsr-3930	392	107	%	%	NOUN
fsr-3930	392	108	55	55	NUM
fsr-3930	392	109	%	%	NOUN
fsr-3930	392	110	49	49	NUM
fsr-3930	392	111	%	%	NOUN
fsr-3930	392	112	51	51	NUM
fsr-3930	392	113	%	%	NOUN
fsr-3930	392	114	49	49	NUM
fsr-3930	392	115	%	%	NOUN
fsr-3930	392	116	51	51	NUM
fsr-3930	392	117	%	%	NOUN
fsr-3930	392	118	married	marry	VERB
fsr-3930	392	119	60	60	NUM
fsr-3930	392	120	%	%	NOUN
fsr-3930	392	121	40	40	NUM
fsr-3930	392	122	%	%	NOUN
fsr-3930	392	123	28	28	NUM
fsr-3930	392	124	%	%	NOUN
fsr-3930	392	125	72	72	NUM
fsr-3930	392	126	%	%	NOUN
fsr-3930	392	127	38	38	NUM
fsr-3930	392	128	%	%	NOUN
fsr-3930	392	129	62	62	NUM
fsr-3930	392	130	%	%	NOUN
fsr-3930	392	131	44	44	NUM
fsr-3930	392	132	%	%	NOUN
fsr-3930	392	133	56	56	NUM
fsr-3930	392	134	%	%	NOUN
fsr-3930	392	135	43	43	NUM
fsr-3930	392	136	%	%	NOUN
fsr-3930	392	137	57	57	NUM
fsr-3930	392	138	%	%	NOUN
fsr-3930	392	139	50	50	NUM
fsr-3930	392	140	single	single	ADJ
fsr-3930	392	141	60	60	NUM
fsr-3930	392	142	%	%	NOUN
fsr-3930	392	143	40	40	NUM
fsr-3930	392	144	%	%	NOUN
fsr-3930	392	145	35	35	NUM
fsr-3930	392	146	%	%	NOUN
fsr-3930	392	147	65	65	NUM
fsr-3930	392	148	%	%	NOUN
fsr-3930	392	149	44	44	NUM
fsr-3930	392	150	%	%	NOUN
fsr-3930	392	151	56	56	NUM
fsr-3930	392	152	%	%	NOUN
fsr-3930	392	153	49	49	NUM
fsr-3930	392	154	%	%	NOUN
fsr-3930	392	155	51	51	NUM
fsr-3930	392	156	%	%	NOUN
fsr-3930	392	157	46	46	NUM
fsr-3930	392	158	%	%	NOUN
fsr-3930	392	159	54	54	NUM
fsr-3930	392	160	%	%	NOUN
fsr-3930	392	161	married	marry	VERB
fsr-3930	392	162	60	60	NUM
fsr-3930	392	163	%	%	NOUN
fsr-3930	392	164	40	40	NUM
fsr-3930	392	165	%	%	NOUN
fsr-3930	392	166	28	28	NUM
fsr-3930	392	167	%	%	NOUN
fsr-3930	392	168	72	72	NUM
fsr-3930	392	169	%	%	NOUN
fsr-3930	392	170	38	38	NUM
fsr-3930	392	171	%	%	NOUN
fsr-3930	392	172	62	62	NUM
fsr-3930	392	173	%	%	NOUN
fsr-3930	392	174	43	43	NUM
fsr-3930	392	175	%	%	NOUN
fsr-3930	392	176	57	57	NUM
fsr-3930	392	177	%	%	NOUN
fsr-3930	392	178	40	40	NUM
fsr-3930	392	179	%	%	NOUN
fsr-3930	392	180	60	60	NUM
fsr-3930	392	181	%	%	NOUN
fsr-3930	392	182	60	60	NUM
fsr-3930	392	183	single	single	ADJ
fsr-3930	392	184	60	60	NUM
fsr-3930	392	185	%	%	NOUN
fsr-3930	392	186	40	40	NUM
fsr-3930	392	187	%	%	NOUN
fsr-3930	392	188	33	33	NUM
fsr-3930	392	189	%	%	NOUN
fsr-3930	392	190	67	67	NUM
fsr-3930	392	191	%	%	NOUN
fsr-3930	392	192	43	43	NUM
fsr-3930	392	193	%	%	NOUN
fsr-3930	392	194	57	57	NUM
fsr-3930	392	195	%	%	NOUN
fsr-3930	392	196	47	47	NUM
fsr-3930	392	197	%	%	NOUN
fsr-3930	392	198	53	53	NUM
fsr-3930	392	199	%	%	NOUN
fsr-3930	392	200	43	43	NUM
fsr-3930	392	201	%	%	NOUN
fsr-3930	392	202	57	57	NUM
fsr-3930	392	203	%	%	NOUN
fsr-3930	392	204	married	married	ADJ
fsr-3930	392	205	60	60	NUM
fsr-3930	392	206	%	%	NOUN
fsr-3930	392	207	40	40	NUM
fsr-3930	392	208	%	%	NOUN
fsr-3930	392	209	26	26	NUM
fsr-3930	392	210	%	%	NOUN
fsr-3930	392	211	74	74	NUM
fsr-3930	392	212	%	%	NOUN
fsr-3930	392	213	36	36	NUM
fsr-3930	392	214	%	%	NOUN
fsr-3930	392	215	64	64	NUM
fsr-3930	392	216	%	%	NOUN
fsr-3930	392	217	42	42	NUM
fsr-3930	392	218	%	%	NOUN
fsr-3930	392	219	58	58	NUM
fsr-3930	392	220	%	%	NOUN
fsr-3930	392	221	36	36	NUM
fsr-3930	392	222	%	%	NOUN
fsr-3930	392	223	64	64	NUM
fsr-3930	392	224	%	%	NOUN
fsr-3930	392	225	62	62	NUM
fsr-3930	392	226	single	single	ADJ
fsr-3930	392	227	60	60	NUM
fsr-3930	392	228	%	%	NOUN
fsr-3930	392	229	40	40	NUM
fsr-3930	392	230	%	%	NOUN
fsr-3930	392	231	31	31	NUM
fsr-3930	392	232	%	%	NOUN
fsr-3930	392	233	69	69	NUM
fsr-3930	392	234	%	%	NOUN
fsr-3930	392	235	41	41	NUM
fsr-3930	392	236	%	%	NOUN
fsr-3930	392	237	59	59	NUM
fsr-3930	392	238	%	%	NOUN
fsr-3930	392	239	46	46	NUM
fsr-3930	392	240	%	%	NOUN
fsr-3930	392	241	54	54	NUM
fsr-3930	392	242	%	%	NOUN
fsr-3930	392	243	42	42	NUM
fsr-3930	392	244	%	%	NOUN
fsr-3930	392	245	58	58	NUM
fsr-3930	392	246	%	%	NOUN
fsr-3930	392	247	married	marry	VERB
fsr-3930	392	248	60	60	NUM
fsr-3930	392	249	%	%	NOUN
fsr-3930	392	250	40	40	NUM
fsr-3930	392	251	%	%	NOUN
fsr-3930	392	252	24	24	NUM
fsr-3930	392	253	%	%	NOUN
fsr-3930	392	254	76	76	NUM
fsr-3930	392	255	%	%	NOUN
fsr-3930	392	256	34	34	NUM
fsr-3930	392	257	%	%	NOUN
fsr-3930	392	258	66	66	NUM
fsr-3930	392	259	%	%	NOUN
fsr-3930	392	260	40	40	NUM
fsr-3930	392	261	%	%	NOUN
fsr-3930	392	262	60	60	NUM
fsr-3930	392	263	%	%	NOUN
fsr-3930	392	264	35	35	NUM
fsr-3930	392	265	%	%	NOUN
fsr-3930	392	266	65	65	NUM
fsr-3930	392	267	%	%	NOUN
fsr-3930	392	268	65	65	NUM
fsr-3930	392	269	single	single	ADJ
fsr-3930	392	270	60	60	NUM
fsr-3930	392	271	%	%	NOUN
fsr-3930	392	272	40	40	NUM
fsr-3930	392	273	%	%	NOUN
fsr-3930	392	274	29	29	NUM
fsr-3930	392	275	%	%	NOUN
fsr-3930	392	276	71	71	NUM
fsr-3930	392	277	%	%	NOUN
fsr-3930	392	278	40	40	NUM
fsr-3930	392	279	%	%	NOUN
fsr-3930	392	280	60	60	NUM
fsr-3930	392	281	%	%	NOUN
fsr-3930	392	282	45	45	NUM
fsr-3930	392	283	%	%	NOUN
fsr-3930	392	284	55	55	NUM
fsr-3930	392	285	%	%	NOUN
fsr-3930	392	286	41	41	NUM
fsr-3930	392	287	%	%	NOUN
fsr-3930	392	288	59	59	NUM
fsr-3930	392	289	%	%	NOUN
fsr-3930	392	290	married	married	ADJ
fsr-3930	392	291	60	60	NUM
fsr-3930	392	292	%	%	NOUN
fsr-3930	392	293	40	40	NUM
fsr-3930	392	294	%	%	NOUN
fsr-3930	392	295	22	22	NUM
fsr-3930	392	296	%	%	NOUN
fsr-3930	392	297	78	78	NUM
fsr-3930	392	298	%	%	NOUN
fsr-3930	392	299	32	32	NUM
fsr-3930	392	300	%	%	NOUN
fsr-3930	392	301	68	68	NUM
fsr-3930	392	302	%	%	NOUN
fsr-3930	392	303	38	38	NUM
fsr-3930	392	304	%	%	NOUN
fsr-3930	392	305	62	62	NUM
fsr-3930	392	306	%	%	NOUN
fsr-3930	392	307	34	34	NUM
fsr-3930	392	308	%	%	NOUN
fsr-3930	392	309	66	66	NUM
fsr-3930	392	310	%	%	NOUN
fsr-3930	392	311	70	70	NUM
fsr-3930	392	312	single	single	ADJ
fsr-3930	392	313	60	60	NUM
fsr-3930	392	314	%	%	NOUN
fsr-3930	392	315	40	40	NUM
fsr-3930	392	316	%	%	NOUN
fsr-3930	392	317	27	27	NUM
fsr-3930	392	318	%	%	NOUN
fsr-3930	392	319	73	73	NUM
fsr-3930	392	320	%	%	NOUN
fsr-3930	392	321	38	38	NUM
fsr-3930	392	322	%	%	NOUN
fsr-3930	392	323	62	62	NUM
fsr-3930	392	324	%	%	NOUN
fsr-3930	392	325	43	43	NUM
fsr-3930	392	326	%	%	NOUN
fsr-3930	392	327	57	57	NUM
fsr-3930	392	328	%	%	NOUN
fsr-3930	392	329	40	40	NUM
fsr-3930	392	330	%	%	NOUN
fsr-3930	392	331	60	60	NUM
fsr-3930	392	332	%	%	NOUN
fsr-3930	392	333	married	married	ADJ
fsr-3930	392	334	60	60	NUM
fsr-3930	392	335	%	%	NOUN
fsr-3930	392	336	40	40	NUM
fsr-3930	392	337	%	%	NOUN
fsr-3930	392	338	20	20	NUM
fsr-3930	392	339	%	%	NOUN
fsr-3930	392	340	80	80	NUM
fsr-3930	392	341	%	%	NOUN
fsr-3930	392	342	30	30	NUM
fsr-3930	392	343	%	%	NOUN
fsr-3930	392	344	70	70	NUM
fsr-3930	392	345	%	%	NOUN
fsr-3930	392	346	36	36	NUM
fsr-3930	392	347	%	%	NOUN
fsr-3930	392	348	64	64	NUM
fsr-3930	392	349	%	%	NOUN
fsr-3930	392	350	33	33	NUM
fsr-3930	392	351	%	%	NOUN
fsr-3930	392	352	67	67	NUM
fsr-3930	392	353	%	%	NOUN
fsr-3930	392	354	80	80	NUM
fsr-3930	392	355	single	single	ADJ
fsr-3930	392	356	60	60	NUM
fsr-3930	392	357	%	%	NOUN
fsr-3930	392	358	40	40	NUM
fsr-3930	392	359	%	%	NOUN
fsr-3930	392	360	24	24	NUM
fsr-3930	392	361	%	%	NOUN
fsr-3930	392	362	76	76	NUM
fsr-3930	392	363	%	%	NOUN
fsr-3930	392	364	35	35	NUM
fsr-3930	392	365	%	%	NOUN
fsr-3930	392	366	65	65	NUM
fsr-3930	392	367	%	%	NOUN
fsr-3930	392	368	40	40	NUM
fsr-3930	392	369	%	%	NOUN
fsr-3930	392	370	60	60	NUM
fsr-3930	392	371	%	%	NOUN
fsr-3930	392	372	38	38	NUM
fsr-3930	392	373	%	%	NOUN
fsr-3930	392	374	62	62	NUM
fsr-3930	392	375	%	%	NOUN
fsr-3930	392	376	married	marry	VERB
fsr-3930	392	377	60	60	NUM
fsr-3930	392	378	%	%	NOUN
fsr-3930	392	379	40	40	NUM
fsr-3930	392	380	%	%	NOUN
fsr-3930	392	381	17	17	NUM
fsr-3930	392	382	%	%	NOUN
fsr-3930	392	383	83	83	NUM
fsr-3930	392	384	%	%	NOUN
fsr-3930	392	385	26	26	NUM
fsr-3930	392	386	%	%	NOUN
fsr-3930	392	387	74	74	NUM
fsr-3930	392	388	%	%	NOUN
fsr-3930	392	389	32	32	NUM
fsr-3930	392	390	%	%	NOUN
fsr-3930	392	391	68	68	NUM
fsr-3930	392	392	%	%	NOUN
fsr-3930	392	393	29	29	NUM
fsr-3930	392	394	%	%	NOUN
fsr-3930	392	395	71	71	NUM
fsr-3930	392	396	%	%	NOUN
fsr-3930	392	397	expanded	expand	VERB
fsr-3930	392	398	portfolio	portfolio	NOUN
fsr-3930	392	399	stock	stock	NOUN
fsr-3930	392	400	/	/	SYM
fsr-3930	392	401	bond	bond	NOUN
fsr-3930	392	402	mix	mix	NOUN
fsr-3930	392	403	resulting	result	VERB
fsr-3930	392	404	from	from	ADP
fsr-3930	392	405	adding	add	VERB
fsr-3930	392	406	social	social	ADJ
fsr-3930	392	407	security	security	NOUN
fsr-3930	392	408	wealth	wealth	NOUN
fsr-3930	392	409	to	to	ADP
fsr-3930	392	410	a	a	DET
fsr-3930	392	411	financial	financial	ADJ
fsr-3930	392	412	portfolio	portfolio	NOUN
fsr-3930	392	413	with	with	ADP
fsr-3930	392	414	a	a	DET
fsr-3930	392	415	60/40	60/40	NUM
fsr-3930	392	416	fixed	fix	VERB
fsr-3930	392	417	mix	mix	NOUN
fsr-3930	392	418	.	.	PUNCT
fsr-3930	393	1	social	social	ADJ
fsr-3930	393	2	security	security	NOUN
fsr-3930	393	3	wealth	wealth	NOUN
fsr-3930	393	4	is	be	AUX
fsr-3930	393	5	treated	treat	VERB
fsr-3930	393	6	as	as	ADP
fsr-3930	393	7	a	a	DET
fsr-3930	393	8	bond	bond	NOUN
fsr-3930	393	9	and	and	CCONJ
fsr-3930	393	10	uses	use	VERB
fsr-3930	393	11	values	value	NOUN
fsr-3930	393	12	from	from	ADP
fsr-3930	393	13	table	table	NOUN
fsr-3930	393	14	1	1	NUM
fsr-3930	393	15	computed	compute	VERB
fsr-3930	393	16	using	use	VERB
fsr-3930	393	17	real	real	ADJ
fsr-3930	393	18	tips	tip	NOUN
fsr-3930	393	19	yields	yield	NOUN
fsr-3930	393	20	for	for	ADP
fsr-3930	393	21	a	a	DET
fsr-3930	393	22	high	high	ADV
fsr-3930	393	23	-	-	PUNCT
fsr-3930	393	24	earning	earn	VERB
fsr-3930	393	25	worker	worker	NOUN
fsr-3930	393	26	.	.	PUNCT
fsr-3930	394	1	savings	saving	NOUN
fsr-3930	394	2	rates	rate	NOUN
fsr-3930	394	3	are	be	AUX
fsr-3930	394	4	applied	apply	VERB
fsr-3930	394	5	over	over	ADP
fsr-3930	394	6	a	a	DET
fsr-3930	394	7	working	work	VERB
fsr-3930	394	8	lifetime	lifetime	NOUN
fsr-3930	394	9	to	to	PART
fsr-3930	394	10	create	create	VERB
fsr-3930	394	11	financial	financial	ADJ
fsr-3930	394	12	portfolio	portfolio	NOUN
fsr-3930	394	13	values	value	NOUN
fsr-3930	394	14	;	;	PUNCT
fsr-3930	394	15	mnd	mnd	PROPN
fsr-3930	394	16	saver	saver	NOUN
fsr-3930	394	17	’s	’s	PART
fsr-3930	394	18	financial	financial	ADJ
fsr-3930	394	19	portfolios	portfolio	NOUN
fsr-3930	394	20	are	be	AUX
fsr-3930	394	21	computed	compute	VERB
fsr-3930	394	22	for	for	ADP
fsr-3930	394	23	“	"	PUNCT
fsr-3930	394	24	prodigious	prodigious	ADJ
fsr-3930	394	25	accumulator[s	accumulator[s	NOUN
fsr-3930	394	26	]	]	PUNCT
fsr-3930	394	27	of	of	ADP
fsr-3930	394	28	wealth	wealth	NOUN
fsr-3930	394	29	”	"	PUNCT
fsr-3930	394	30	per	per	ADP
fsr-3930	394	31	stanley	stanley	NOUN
fsr-3930	394	32	and	and	CCONJ
fsr-3930	394	33	danko	danko	PROPN
fsr-3930	394	34	(	(	PUNCT
fsr-3930	394	35	1996	1996	NUM
fsr-3930	394	36	)	)	PUNCT
fsr-3930	394	37	.	.	PUNCT
fsr-3930	395	1	309s.p	309s.p	X
fsr-3930	395	2	.	.	PUNCT
fsr-3930	396	1	fraser	fraser	PROPN
fsr-3930	396	2	et	et	PROPN
fsr-3930	396	3	al	al	PROPN
fsr-3930	396	4	.	.	PUNCT
fsr-3930	396	5	/	/	SYM
fsr-3930	396	6	financial	financial	ADJ
fsr-3930	396	7	services	service	NOUN
fsr-3930	396	8	review	review	VERB
fsr-3930	396	9	9	9	NUM
fsr-3930	396	10	(	(	PUNCT
fsr-3930	396	11	2000	2000	NUM
fsr-3930	396	12	)	)	PUNCT
fsr-3930	397	1	295–326	295–326	NUM
fsr-3930	397	2	positions	position	NOUN
fsr-3930	397	3	rather	rather	ADV
fsr-3930	397	4	than	than	ADP
fsr-3930	397	5	constrained	constrain	VERB
fsr-3930	397	6	allocations	allocation	NOUN
fsr-3930	397	7	in	in	ADP
fsr-3930	397	8	order	order	NOUN
fsr-3930	397	9	to	to	PART
fsr-3930	397	10	highlight	highlight	VERB
fsr-3930	397	11	the	the	DET
fsr-3930	397	12	dramatic	dramatic	ADJ
fsr-3930	397	13	impact	impact	NOUN
fsr-3930	397	14	of	of	ADP
fsr-3930	397	15	incorporating	incorporate	VERB
fsr-3930	397	16	social	social	ADJ
fsr-3930	397	17	security	security	NOUN
fsr-3930	397	18	wealth	wealth	NOUN
fsr-3930	397	19	in	in	ADP
fsr-3930	397	20	portfolios	portfolio	NOUN
fsr-3930	397	21	.	.	PUNCT
fsr-3930	398	1	to	to	PART
fsr-3930	398	2	demonstrate	demonstrate	VERB
fsr-3930	398	3	the	the	DET
fsr-3930	398	4	calculations	calculation	NOUN
fsr-3930	398	5	behind	behind	ADP
fsr-3930	398	6	tables	table	NOUN
fsr-3930	398	7	3	3	NUM
fsr-3930	398	8	and	and	CCONJ
fsr-3930	398	9	4	4	NUM
fsr-3930	398	10	,	,	PUNCT
fsr-3930	398	11	consider	consider	VERB
fsr-3930	398	12	a	a	DET
fsr-3930	398	13	hypothetical	hypothetical	ADJ
fsr-3930	398	14	investor	investor	NOUN
fsr-3930	398	15	with	with	ADP
fsr-3930	398	16	a	a	DET
fsr-3930	398	17	$	$	SYM
fsr-3930	398	18	200,000	200,000	NUM
fsr-3930	398	19	financial	financial	ADJ
fsr-3930	398	20	portfolio	portfolio	NOUN
fsr-3930	398	21	invested	invest	VERB
fsr-3930	398	22	in	in	ADP
fsr-3930	398	23	a	a	DET
fsr-3930	398	24	60/40	60/40	NUM
fsr-3930	398	25	mix	mix	NOUN
fsr-3930	398	26	.	.	PUNCT
fsr-3930	399	1	that	that	PRON
fsr-3930	399	2	is	be	AUX
fsr-3930	399	3	,	,	PUNCT
fsr-3930	399	4	$	$	SYM
fsr-3930	399	5	120,000	120,000	NUM
fsr-3930	399	6	is	be	AUX
fsr-3930	399	7	in	in	ADP
fsr-3930	399	8	stocks	stock	NOUN
fsr-3930	399	9	and	and	CCONJ
fsr-3930	399	10	$	$	SYM
fsr-3930	399	11	80,000	80,000	NUM
fsr-3930	399	12	is	be	AUX
fsr-3930	399	13	in	in	ADP
fsr-3930	399	14	bonds	bond	NOUN
fsr-3930	399	15	.	.	PUNCT
fsr-3930	400	1	assume	assume	VERB
fsr-3930	400	2	social	social	ADJ
fsr-3930	400	3	security	security	NOUN
fsr-3930	400	4	wealth	wealth	NOUN
fsr-3930	400	5	is	be	AUX
fsr-3930	400	6	valued	value	VERB
fsr-3930	400	7	at	at	ADP
fsr-3930	400	8	$	$	SYM
fsr-3930	400	9	100,000	100,000	NUM
fsr-3930	400	10	.	.	PUNCT
fsr-3930	401	1	the	the	DET
fsr-3930	401	2	$	$	SYM
fsr-3930	401	3	120,000	120,000	NUM
fsr-3930	401	4	in	in	ADP
fsr-3930	401	5	stocks	stock	NOUN
fsr-3930	401	6	is	be	AUX
fsr-3930	401	7	40	40	NUM
fsr-3930	401	8	%	%	NOUN
fsr-3930	401	9	of	of	ADP
fsr-3930	401	10	the	the	DET
fsr-3930	401	11	$	$	SYM
fsr-3930	401	12	300,000	300,000	NUM
fsr-3930	401	13	expanded	expand	VERB
fsr-3930	401	14	portfolio	portfolio	NOUN
fsr-3930	401	15	.	.	PUNCT
fsr-3930	402	1	to	to	PART
fsr-3930	402	2	achieve	achieve	VERB
fsr-3930	402	3	a	a	DET
fsr-3930	402	4	60/40	60/40	NUM
fsr-3930	402	5	mix	mix	NOUN
fsr-3930	402	6	in	in	ADP
fsr-3930	402	7	the	the	DET
fsr-3930	402	8	expanded	expand	VERB
fsr-3930	402	9	portfolio	portfolio	NOUN
fsr-3930	402	10	,	,	PUNCT
fsr-3930	402	11	60	60	NUM
fsr-3930	402	12	%	%	NOUN
fsr-3930	402	13	of	of	ADP
fsr-3930	402	14	$	$	SYM
fsr-3930	402	15	300,000	300,000	NUM
fsr-3930	402	16	,	,	PUNCT
fsr-3930	402	17	or	or	CCONJ
fsr-3930	402	18	$	$	SYM
fsr-3930	402	19	180,000	180,000	NUM
fsr-3930	402	20	,	,	PUNCT
fsr-3930	402	21	must	must	AUX
fsr-3930	402	22	be	be	AUX
fsr-3930	402	23	invested	invest	VERB
fsr-3930	402	24	in	in	ADP
fsr-3930	402	25	stocks	stock	NOUN
fsr-3930	402	26	.	.	PUNCT
fsr-3930	403	1	this	this	DET
fsr-3930	403	2	value	value	NOUN
fsr-3930	403	3	would	would	AUX
fsr-3930	403	4	represent	represent	VERB
fsr-3930	403	5	90	90	NUM
fsr-3930	403	6	%	%	NOUN
fsr-3930	403	7	of	of	ADP
fsr-3930	403	8	the	the	DET
fsr-3930	403	9	$	$	SYM
fsr-3930	403	10	200,000	200,000	NUM
fsr-3930	403	11	financial	financial	ADJ
fsr-3930	403	12	portfolio	portfolio	NOUN
fsr-3930	403	13	.	.	PUNCT
fsr-3930	404	1	the	the	DET
fsr-3930	404	2	values	value	NOUN
fsr-3930	404	3	in	in	ADP
fsr-3930	404	4	this	this	DET
fsr-3930	404	5	example	example	NOUN
fsr-3930	404	6	also	also	ADV
fsr-3930	404	7	work	work	VERB
fsr-3930	404	8	with	with	ADP
fsr-3930	404	9	eqs	eqs	PROPN
fsr-3930	404	10	.	.	PUNCT
fsr-3930	405	1	(	(	PUNCT
fsr-3930	405	2	4	4	NUM
fsr-3930	405	3	)	)	PUNCT
fsr-3930	405	4	and	and	CCONJ
fsr-3930	405	5	(	(	PUNCT
fsr-3930	405	6	5	5	NUM
fsr-3930	405	7	)	)	PUNCT
fsr-3930	405	8	.	.	PUNCT
fsr-3930	406	1	4.3	4.3	NUM
fsr-3930	406	2	.	.	PUNCT
fsr-3930	406	3	implications	implication	NOUN
fsr-3930	406	4	for	for	ADP
fsr-3930	406	5	the	the	DET
fsr-3930	406	6	simple	simple	ADJ
fsr-3930	406	7	life	life	NOUN
fsr-3930	406	8	-	-	PUNCT
fsr-3930	406	9	cycle	cycle	NOUN
fsr-3930	406	10	mix	mix	NOUN
fsr-3930	406	11	if	if	SCONJ
fsr-3930	406	12	our	our	PRON
fsr-3930	406	13	fifty	fifty	NUM
fsr-3930	406	14	-	-	PUNCT
fsr-3930	406	15	year	year	NOUN
fsr-3930	406	16	-	-	PUNCT
fsr-3930	406	17	old	old	ADJ
fsr-3930	406	18	investor	investor	NOUN
fsr-3930	406	19	follows	follow	VERB
fsr-3930	406	20	our	our	PRON
fsr-3930	406	21	second	second	ADJ
fsr-3930	406	22	asset	asset	NOUN
fsr-3930	406	23	allocation	allocation	NOUN
fsr-3930	406	24	strategy	strategy	NOUN
fsr-3930	406	25	,	,	PUNCT
fsr-3930	406	26	the	the	DET
fsr-3930	406	27	simple	simple	ADJ
fsr-3930	406	28	life	life	NOUN
fsr-3930	406	29	-	-	PUNCT
fsr-3930	406	30	cycle	cycle	NOUN
fsr-3930	406	31	mix	mix	NOUN
fsr-3930	406	32	,	,	PUNCT
fsr-3930	406	33	it	it	PRON
fsr-3930	406	34	indicates	indicate	VERB
fsr-3930	406	35	a	a	DET
fsr-3930	406	36	50	50	NUM
fsr-3930	406	37	%	%	NOUN
fsr-3930	406	38	position	position	NOUN
fsr-3930	406	39	in	in	ADP
fsr-3930	406	40	bonds	bond	NOUN
fsr-3930	406	41	.	.	PUNCT
fsr-3930	407	1	for	for	ADP
fsr-3930	407	2	the	the	DET
fsr-3930	407	3	5	5	NUM
fsr-3930	407	4	%	%	NOUN
fsr-3930	407	5	saver	saver	NOUN
fsr-3930	407	6	,	,	PUNCT
fsr-3930	407	7	the	the	DET
fsr-3930	407	8	target	target	NOUN
fsr-3930	407	9	50/50	50/50	NUM
fsr-3930	407	10	(	(	PUNCT
fsr-3930	407	11	stock	stock	NOUN
fsr-3930	407	12	/	/	SYM
fsr-3930	407	13	bond	bond	NOUN
fsr-3930	407	14	)	)	PUNCT
fsr-3930	407	15	mix	mix	NOUN
fsr-3930	407	16	in	in	ADP
fsr-3930	407	17	the	the	DET
fsr-3930	407	18	financial	financial	ADJ
fsr-3930	407	19	portfolio	portfolio	NOUN
fsr-3930	407	20	results	result	VERB
fsr-3930	407	21	in	in	ADP
fsr-3930	407	22	an	an	DET
fsr-3930	407	23	expanded	expand	VERB
fsr-3930	407	24	portfolio	portfolio	NOUN
fsr-3930	407	25	mix	mix	NOUN
fsr-3930	407	26	of	of	ADP
fsr-3930	407	27	29/71	29/71	NUM
fsr-3930	407	28	if	if	SCONJ
fsr-3930	407	29	single	single	ADJ
fsr-3930	407	30	and	and	CCONJ
fsr-3930	407	31	23/77	23/77	NUM
fsr-3930	407	32	if	if	SCONJ
fsr-3930	407	33	married	marry	VERB
fsr-3930	407	34	.	.	PUNCT
fsr-3930	408	1	see	see	VERB
fsr-3930	408	2	table	table	NOUN
fsr-3930	408	3	5	5	NUM
fsr-3930	408	4	.	.	PUNCT
fsr-3930	409	1	even	even	ADV
fsr-3930	409	2	though	though	SCONJ
fsr-3930	409	3	the	the	DET
fsr-3930	409	4	life	life	NOUN
fsr-3930	409	5	-	-	PUNCT
fsr-3930	409	6	cycle	cycle	NOUN
fsr-3930	409	7	mix	mix	NOUN
fsr-3930	409	8	dictates	dictate	VERB
fsr-3930	409	9	a	a	DET
fsr-3930	409	10	majority	majority	NOUN
fsr-3930	409	11	-	-	PUNCT
fsr-3930	409	12	equity	equity	NOUN
fsr-3930	409	13	position	position	NOUN
fsr-3930	409	14	for	for	ADP
fsr-3930	409	15	those	those	PRON
fsr-3930	409	16	younger	young	ADJ
fsr-3930	409	17	than	than	ADP
fsr-3930	409	18	fifty	fifty	NUM
fsr-3930	409	19	years	year	NOUN
fsr-3930	409	20	old	old	ADJ
fsr-3930	409	21	(	(	PUNCT
fsr-3930	409	22	because	because	SCONJ
fsr-3930	409	23	the	the	DET
fsr-3930	409	24	bond	bond	NOUN
fsr-3930	409	25	weight	weight	NOUN
fsr-3930	409	26	fig	fig	NOUN
fsr-3930	409	27	.	.	PUNCT
fsr-3930	410	1	2	2	X
fsr-3930	410	2	.	.	X
fsr-3930	410	3	implications	implication	NOUN
fsr-3930	410	4	of	of	ADP
fsr-3930	410	5	social	social	ADJ
fsr-3930	410	6	security	security	NOUN
fsr-3930	410	7	wealth	wealth	NOUN
fsr-3930	410	8	on	on	ADP
fsr-3930	410	9	asset	asset	NOUN
fsr-3930	410	10	allocation	allocation	NOUN
fsr-3930	410	11	.	.	PUNCT
fsr-3930	411	1	310	310	NUM
fsr-3930	411	2	s.p	s.p	PROPN
fsr-3930	411	3	.	.	PROPN
fsr-3930	411	4	fraser	fraser	PROPN
fsr-3930	411	5	et	et	PROPN
fsr-3930	411	6	al	al	PROPN
fsr-3930	411	7	.	.	PUNCT
fsr-3930	411	8	/	/	SYM
fsr-3930	411	9	financial	financial	ADJ
fsr-3930	411	10	services	service	NOUN
fsr-3930	411	11	review	review	VERB
fsr-3930	411	12	9	9	NUM
fsr-3930	411	13	(	(	PUNCT
fsr-3930	411	14	2000	2000	NUM
fsr-3930	411	15	)	)	PUNCT
fsr-3930	412	1	295–326	295–326	NOUN
fsr-3930	412	2	equals	equal	VERB
fsr-3930	412	3	the	the	DET
fsr-3930	412	4	investor	investor	NOUN
fsr-3930	412	5	’s	’s	PART
fsr-3930	412	6	age	age	NOUN
fsr-3930	412	7	)	)	PUNCT
fsr-3930	412	8	,	,	PUNCT
fsr-3930	412	9	only	only	ADV
fsr-3930	412	10	the	the	DET
fsr-3930	412	11	youngest	young	ADJ
fsr-3930	412	12	,	,	PUNCT
fsr-3930	412	13	best	good	ADJ
fsr-3930	412	14	savers	saver	NOUN
fsr-3930	412	15	have	have	VERB
fsr-3930	412	16	such	such	DET
fsr-3930	412	17	a	a	DET
fsr-3930	412	18	majority	majority	NOUN
fsr-3930	412	19	-	-	PUNCT
fsr-3930	412	20	equity	equity	NOUN
fsr-3930	412	21	position	position	NOUN
fsr-3930	412	22	in	in	ADP
fsr-3930	412	23	their	their	PRON
fsr-3930	412	24	expanded	expand	VERB
fsr-3930	412	25	portfolios	portfolio	NOUN
fsr-3930	412	26	.	.	PUNCT
fsr-3930	413	1	table	table	NOUN
fsr-3930	413	2	6	6	NUM
fsr-3930	413	3	shows	show	VERB
fsr-3930	413	4	how	how	SCONJ
fsr-3930	413	5	to	to	PART
fsr-3930	413	6	implement	implement	VERB
fsr-3930	413	7	a	a	DET
fsr-3930	413	8	life	life	NOUN
fsr-3930	413	9	-	-	PUNCT
fsr-3930	413	10	cycle	cycle	NOUN
fsr-3930	413	11	mix	mix	NOUN
fsr-3930	413	12	in	in	ADP
fsr-3930	413	13	the	the	DET
fsr-3930	413	14	expanded	expand	VERB
fsr-3930	413	15	portfolio	portfolio	NOUN
fsr-3930	413	16	by	by	ADP
fsr-3930	413	17	adjusting	adjust	VERB
fsr-3930	413	18	the	the	DET
fsr-3930	413	19	financial	financial	ADJ
fsr-3930	413	20	portfolio	portfolio	NOUN
fsr-3930	413	21	.	.	PUNCT
fsr-3930	414	1	if	if	SCONJ
fsr-3930	414	2	she	she	PRON
fsr-3930	414	3	really	really	ADV
fsr-3930	414	4	desired	desire	VERB
fsr-3930	414	5	a	a	DET
fsr-3930	414	6	50/50	50/50	NUM
fsr-3930	414	7	mix	mix	NOUN
fsr-3930	414	8	in	in	ADP
fsr-3930	414	9	her	her	PRON
fsr-3930	414	10	expanded	expand	VERB
fsr-3930	414	11	portfolio	portfolio	NOUN
fsr-3930	414	12	,	,	PUNCT
fsr-3930	414	13	the	the	DET
fsr-3930	414	14	required	require	VERB
fsr-3930	414	15	mix	mix	NOUN
fsr-3930	414	16	in	in	ADP
fsr-3930	414	17	the	the	DET
fsr-3930	414	18	fifty	fifty	NUM
fsr-3930	414	19	-	-	PUNCT
fsr-3930	414	20	year	year	NOUN
fsr-3930	414	21	-	-	PUNCT
fsr-3930	414	22	old	old	ADJ
fsr-3930	414	23	investor	investor	NOUN
fsr-3930	414	24	’s	’s	PART
fsr-3930	414	25	financial	financial	ADJ
fsr-3930	414	26	portfolio	portfolio	NOUN
fsr-3930	414	27	is	be	AUX
fsr-3930	414	28	85/15	85/15	NUM
fsr-3930	414	29	if	if	SCONJ
fsr-3930	414	30	single	single	ADJ
fsr-3930	414	31	or	or	CCONJ
fsr-3930	414	32	a	a	DET
fsr-3930	414	33	margined	margine	VERB
fsr-3930	414	34	109/-9	109/-9	NUM
fsr-3930	414	35	if	if	SCONJ
fsr-3930	414	36	married	marry	VERB
fsr-3930	414	37	.	.	PUNCT
fsr-3930	415	1	to	to	PART
fsr-3930	415	2	offset	offset	VERB
fsr-3930	415	3	the	the	DET
fsr-3930	415	4	bond	bond	NOUN
fsr-3930	415	5	-	-	PUNCT
fsr-3930	415	6	like	like	ADJ
fsr-3930	415	7	value	value	NOUN
fsr-3930	415	8	of	of	ADP
fsr-3930	415	9	social	social	ADJ
fsr-3930	415	10	security	security	NOUN
fsr-3930	415	11	benefits	benefit	NOUN
fsr-3930	415	12	,	,	PUNCT
fsr-3930	415	13	all	all	DET
fsr-3930	415	14	investors	investor	NOUN
fsr-3930	415	15	,	,	PUNCT
fsr-3930	415	16	except	except	SCONJ
fsr-3930	415	17	the	the	DET
fsr-3930	415	18	oldest	old	ADJ
fsr-3930	415	19	,	,	PUNCT
fsr-3930	415	20	need	need	VERB
fsr-3930	415	21	at	at	ADV
fsr-3930	415	22	least	least	ADJ
fsr-3930	415	23	a	a	DET
fsr-3930	415	24	majority	majority	NOUN
fsr-3930	415	25	-	-	PUNCT
fsr-3930	415	26	equity	equity	NOUN
fsr-3930	415	27	position	position	NOUN
fsr-3930	415	28	in	in	ADP
fsr-3930	415	29	their	their	PRON
fsr-3930	415	30	financial	financial	ADJ
fsr-3930	415	31	portfolio	portfolio	NOUN
fsr-3930	415	32	.	.	PUNCT
fsr-3930	416	1	4.4	4.4	NUM
fsr-3930	416	2	.	.	PUNCT
fsr-3930	416	3	implications	implication	NOUN
fsr-3930	416	4	for	for	ADP
fsr-3930	416	5	the	the	DET
fsr-3930	416	6	consensus	consensus	NOUN
fsr-3930	416	7	expert	expert	NOUN
fsr-3930	416	8	mix	mix	NOUN
fsr-3930	416	9	table	table	NOUN
fsr-3930	416	10	7	7	NUM
fsr-3930	416	11	consolidates	consolidate	VERB
fsr-3930	416	12	the	the	DET
fsr-3930	416	13	expert	expert	NOUN
fsr-3930	416	14	’s	’s	PART
fsr-3930	416	15	views	view	NOUN
fsr-3930	416	16	and	and	CCONJ
fsr-3930	416	17	describes	describe	VERB
fsr-3930	416	18	the	the	DET
fsr-3930	416	19	impact	impact	NOUN
fsr-3930	416	20	of	of	ADP
fsr-3930	416	21	social	social	ADJ
fsr-3930	416	22	security	security	NOUN
fsr-3930	416	23	wealth	wealth	NOUN
fsr-3930	416	24	on	on	ADP
fsr-3930	416	25	the	the	DET
fsr-3930	416	26	expanded	expand	VERB
fsr-3930	416	27	portfolio	portfolio	NOUN
fsr-3930	416	28	asset	asset	NOUN
fsr-3930	416	29	mix	mix	NOUN
fsr-3930	416	30	.	.	PUNCT
fsr-3930	417	1	we	we	PRON
fsr-3930	417	2	make	make	VERB
fsr-3930	417	3	two	two	NUM
fsr-3930	417	4	simplifications	simplification	NOUN
fsr-3930	417	5	—	—	PUNCT
fsr-3930	417	6	we	we	PRON
fsr-3930	417	7	combine	combine	VERB
fsr-3930	417	8	cash	cash	NOUN
fsr-3930	417	9	with	with	ADP
fsr-3930	417	10	bonds	bond	NOUN
fsr-3930	417	11	and	and	CCONJ
fsr-3930	417	12	we	we	PRON
fsr-3930	417	13	ignore	ignore	VERB
fsr-3930	417	14	the	the	DET
fsr-3930	417	15	within	within	ADP
fsr-3930	417	16	-	-	PUNCT
fsr-3930	417	17	class	class	NOUN
fsr-3930	417	18	allocations	allocation	NOUN
fsr-3930	417	19	.	.	PUNCT
fsr-3930	418	1	for	for	ADP
fsr-3930	418	2	our	our	PRON
fsr-3930	418	3	same	same	ADJ
fsr-3930	418	4	fifty	fifty	NUM
fsr-3930	418	5	-	-	PUNCT
fsr-3930	418	6	year	year	NOUN
fsr-3930	418	7	-	-	PUNCT
fsr-3930	418	8	old	old	ADJ
fsr-3930	418	9	5	5	NUM
fsr-3930	418	10	%	%	NOUN
fsr-3930	418	11	saver	saver	NOUN
fsr-3930	418	12	,	,	PUNCT
fsr-3930	418	13	the	the	DET
fsr-3930	418	14	consensus	consensus	NOUN
fsr-3930	418	15	expert	expert	NOUN
fsr-3930	418	16	target	target	NOUN
fsr-3930	418	17	of	of	ADP
fsr-3930	418	18	53/47	53/47	NUM
fsr-3930	418	19	(	(	PUNCT
fsr-3930	418	20	interpolated	interpolate	VERB
fsr-3930	418	21	from	from	ADP
fsr-3930	418	22	malkiel	malkiel	PROPN
fsr-3930	418	23	,	,	PUNCT
fsr-3930	418	24	1996	1996	NUM
fsr-3930	418	25	)	)	PUNCT
fsr-3930	418	26	yields	yield	VERB
fsr-3930	418	27	an	an	DET
fsr-3930	418	28	actual	actual	ADJ
fsr-3930	418	29	expanded	expand	VERB
fsr-3930	418	30	portfolio	portfolio	NOUN
fsr-3930	418	31	asset	asset	NOUN
fsr-3930	418	32	mix	mix	NOUN
fsr-3930	418	33	of	of	ADP
fsr-3930	418	34	31/69	31/69	NUM
fsr-3930	418	35	.	.	PUNCT
fsr-3930	419	1	again	again	ADV
fsr-3930	419	2	,	,	PUNCT
fsr-3930	419	3	only	only	ADV
fsr-3930	419	4	the	the	DET
fsr-3930	419	5	youngest	young	ADJ
fsr-3930	419	6	and	and	CCONJ
fsr-3930	419	7	best	good	ADJ
fsr-3930	419	8	savers	saver	NOUN
fsr-3930	419	9	following	follow	VERB
fsr-3930	419	10	the	the	DET
fsr-3930	419	11	asset	asset	NOUN
fsr-3930	419	12	-	-	PUNCT
fsr-3930	419	13	mix	mix	NOUN
fsr-3930	419	14	decision	decision	NOUN
fsr-3930	419	15	rule	rule	NOUN
fsr-3930	419	16	have	have	VERB
fsr-3930	419	17	more	more	ADJ
fsr-3930	419	18	than	than	ADP
fsr-3930	419	19	a	a	DET
fsr-3930	419	20	majority	majority	NOUN
fsr-3930	419	21	-	-	PUNCT
fsr-3930	419	22	equity	equity	NOUN
fsr-3930	419	23	position	position	NOUN
fsr-3930	419	24	.	.	PUNCT
fsr-3930	420	1	table	table	NOUN
fsr-3930	420	2	8	8	NUM
fsr-3930	420	3	shows	show	VERB
fsr-3930	420	4	how	how	SCONJ
fsr-3930	420	5	to	to	PART
fsr-3930	420	6	implement	implement	VERB
fsr-3930	420	7	the	the	DET
fsr-3930	420	8	consensus	consensus	NOUN
fsr-3930	420	9	expert	expert	NOUN
fsr-3930	420	10	mix	mix	NOUN
fsr-3930	420	11	in	in	ADP
fsr-3930	420	12	the	the	DET
fsr-3930	420	13	expanded	expand	VERB
fsr-3930	420	14	portfolio	portfolio	NOUN
fsr-3930	420	15	by	by	ADP
fsr-3930	420	16	adjusting	adjust	VERB
fsr-3930	420	17	the	the	DET
fsr-3930	420	18	financial	financial	ADJ
fsr-3930	420	19	portfolio	portfolio	NOUN
fsr-3930	420	20	.	.	PUNCT
fsr-3930	421	1	to	to	PART
fsr-3930	421	2	achieve	achieve	VERB
fsr-3930	421	3	the	the	DET
fsr-3930	421	4	desired	desire	VERB
fsr-3930	421	5	53/47	53/47	NUM
fsr-3930	421	6	split	split	NOUN
fsr-3930	421	7	in	in	ADP
fsr-3930	421	8	the	the	DET
fsr-3930	421	9	expanded	expand	VERB
fsr-3930	421	10	portfolio	portfolio	NOUN
fsr-3930	421	11	would	would	AUX
fsr-3930	421	12	require	require	VERB
fsr-3930	421	13	a	a	DET
fsr-3930	421	14	91/9	91/9	NUM
fsr-3930	421	15	table	table	NOUN
fsr-3930	421	16	4	4	NUM
fsr-3930	421	17	implications	implication	NOUN
fsr-3930	421	18	of	of	ADP
fsr-3930	421	19	a	a	DET
fsr-3930	421	20	60/40	60/40	NUM
fsr-3930	421	21	mix	mix	NOUN
fsr-3930	421	22	in	in	ADP
fsr-3930	421	23	the	the	DET
fsr-3930	421	24	expanded	expand	VERB
fsr-3930	421	25	portfolio	portfolio	NOUN
fsr-3930	421	26	for	for	ADP
fsr-3930	421	27	the	the	DET
fsr-3930	421	28	financial	financial	ADJ
fsr-3930	421	29	portfolio	portfolio	NOUN
fsr-3930	421	30	demography	demography	NOUN
fsr-3930	421	31	desired	desire	VERB
fsr-3930	421	32	expanded	expand	VERB
fsr-3930	421	33	portfolio	portfolio	NOUN
fsr-3930	421	34	resultant	resultant	VERB
fsr-3930	421	35	financial	financial	ADJ
fsr-3930	421	36	portfolio	portfolio	NOUN
fsr-3930	421	37	5	5	NUM
fsr-3930	421	38	%	%	NOUN
fsr-3930	421	39	saver	saver	ADJ
fsr-3930	421	40	10	10	NUM
fsr-3930	421	41	%	%	NOUN
fsr-3930	421	42	saver	saver	ADJ
fsr-3930	421	43	15	15	NUM
fsr-3930	421	44	%	%	NOUN
fsr-3930	421	45	saver	saver	ADJ
fsr-3930	421	46	mnd	mnd	NOUN
fsr-3930	421	47	saver	saver	ADJ
fsr-3930	421	48	age	age	NOUN
fsr-3930	421	49	status	status	NOUN
fsr-3930	421	50	stocks	stock	NOUN
fsr-3930	421	51	bonds	bond	VERB
fsr-3930	421	52	stocks	stock	NOUN
fsr-3930	421	53	bonds	bond	VERB
fsr-3930	421	54	stocks	stock	NOUN
fsr-3930	421	55	bonds	bond	VERB
fsr-3930	421	56	stocks	stock	NOUN
fsr-3930	421	57	bonds	bond	VERB
fsr-3930	421	58	stocks	stock	NOUN
fsr-3930	421	59	bonds	bond	VERB
fsr-3930	421	60	30	30	NUM
fsr-3930	421	61	single	single	ADJ
fsr-3930	421	62	60	60	NUM
fsr-3930	421	63	%	%	NOUN
fsr-3930	421	64	40	40	NUM
fsr-3930	421	65	%	%	NOUN
fsr-3930	421	66	122	122	NUM
fsr-3930	421	67	%	%	NOUN
fsr-3930	421	68	�	�	NOUN
fsr-3930	421	69	22	22	NUM
fsr-3930	421	70	%	%	NOUN
fsr-3930	421	71	91	91	NUM
fsr-3930	421	72	%	%	NOUN
fsr-3930	421	73	9	9	NUM
fsr-3930	421	74	%	%	NOUN
fsr-3930	421	75	81	81	NUM
fsr-3930	421	76	%	%	NOUN
fsr-3930	421	77	19	19	NUM
fsr-3930	421	78	%	%	NOUN
fsr-3930	421	79	72	72	NUM
fsr-3930	421	80	%	%	NOUN
fsr-3930	421	81	28	28	NUM
fsr-3930	421	82	%	%	NOUN
fsr-3930	421	83	married	marry	VERB
fsr-3930	421	84	60	60	NUM
fsr-3930	421	85	%	%	NOUN
fsr-3930	421	86	40	40	NUM
fsr-3930	421	87	%	%	NOUN
fsr-3930	421	88	165	165	NUM
fsr-3930	421	89	%	%	NOUN
fsr-3930	421	90	�	�	NOUN
fsr-3930	421	91	65	65	NUM
fsr-3930	421	92	%	%	NOUN
fsr-3930	421	93	112	112	NUM
fsr-3930	421	94	%	%	NOUN
fsr-3930	421	95	�	�	NOUN
fsr-3930	421	96	12	12	NUM
fsr-3930	421	97	%	%	NOUN
fsr-3930	421	98	95	95	NUM
fsr-3930	421	99	%	%	NOUN
fsr-3930	421	100	5	5	NUM
fsr-3930	421	101	%	%	NOUN
fsr-3930	421	102	81	81	NUM
fsr-3930	421	103	%	%	NOUN
fsr-3930	421	104	19	19	NUM
fsr-3930	421	105	%	%	NOUN
fsr-3930	421	106	40	40	NUM
fsr-3930	421	107	single	single	ADJ
fsr-3930	421	108	60	60	NUM
fsr-3930	421	109	%	%	NOUN
fsr-3930	421	110	40	40	NUM
fsr-3930	421	111	%	%	NOUN
fsr-3930	421	112	100	100	NUM
fsr-3930	421	113	%	%	NOUN
fsr-3930	421	114	0	0	NUM
fsr-3930	421	115	%	%	NOUN
fsr-3930	421	116	80	80	NUM
fsr-3930	421	117	%	%	NOUN
fsr-3930	421	118	20	20	NUM
fsr-3930	421	119	%	%	NOUN
fsr-3930	421	120	73	73	NUM
fsr-3930	421	121	%	%	NOUN
fsr-3930	421	122	27	27	NUM
fsr-3930	421	123	%	%	NOUN
fsr-3930	421	124	74	74	NUM
fsr-3930	421	125	%	%	NOUN
fsr-3930	421	126	26	26	NUM
fsr-3930	421	127	%	%	NOUN
fsr-3930	421	128	married	marry	VERB
fsr-3930	421	129	60	60	NUM
fsr-3930	421	130	%	%	NOUN
fsr-3930	421	131	40	40	NUM
fsr-3930	421	132	%	%	NOUN
fsr-3930	421	133	128	128	NUM
fsr-3930	421	134	%	%	NOUN
fsr-3930	421	135	�	�	NOUN
fsr-3930	421	136	28	28	NUM
fsr-3930	421	137	%	%	NOUN
fsr-3930	421	138	94	94	NUM
fsr-3930	421	139	%	%	NOUN
fsr-3930	421	140	6	6	NUM
fsr-3930	421	141	%	%	NOUN
fsr-3930	421	142	83	83	NUM
fsr-3930	421	143	%	%	NOUN
fsr-3930	421	144	17	17	NUM
fsr-3930	421	145	%	%	NOUN
fsr-3930	421	146	83	83	NUM
fsr-3930	421	147	%	%	NOUN
fsr-3930	421	148	17	17	NUM
fsr-3930	421	149	%	%	NOUN
fsr-3930	421	150	50	50	NUM
fsr-3930	421	151	single	single	ADJ
fsr-3930	421	152	60	60	NUM
fsr-3930	421	153	%	%	NOUN
fsr-3930	421	154	40	40	NUM
fsr-3930	421	155	%	%	NOUN
fsr-3930	421	156	103	103	NUM
fsr-3930	421	157	%	%	NOUN
fsr-3930	421	158	�	�	NOUN
fsr-3930	421	159	3	3	NUM
fsr-3930	421	160	%	%	NOUN
fsr-3930	421	161	81	81	NUM
fsr-3930	421	162	%	%	NOUN
fsr-3930	421	163	19	19	NUM
fsr-3930	421	164	%	%	NOUN
fsr-3930	421	165	74	74	NUM
fsr-3930	421	166	%	%	NOUN
fsr-3930	421	167	26	26	NUM
fsr-3930	421	168	%	%	NOUN
fsr-3930	421	169	78	78	NUM
fsr-3930	421	170	%	%	NOUN
fsr-3930	421	171	22	22	NUM
fsr-3930	421	172	%	%	NOUN
fsr-3930	421	173	married	marry	VERB
fsr-3930	421	174	60	60	NUM
fsr-3930	421	175	%	%	NOUN
fsr-3930	421	176	40	40	NUM
fsr-3930	421	177	%	%	NOUN
fsr-3930	421	178	131	131	NUM
fsr-3930	421	179	%	%	NOUN
fsr-3930	421	180	�	�	PROPN
fsr-3930	421	181	31	31	NUM
fsr-3930	421	182	%	%	NOUN
fsr-3930	421	183	95	95	NUM
fsr-3930	421	184	%	%	NOUN
fsr-3930	421	185	5	5	NUM
fsr-3930	421	186	%	%	NOUN
fsr-3930	421	187	84	84	NUM
fsr-3930	421	188	%	%	NOUN
fsr-3930	421	189	16	16	NUM
fsr-3930	421	190	%	%	NOUN
fsr-3930	421	191	90	90	NUM
fsr-3930	421	192	%	%	NOUN
fsr-3930	421	193	10	10	NUM
fsr-3930	421	194	%	%	NOUN
fsr-3930	421	195	60	60	NUM
fsr-3930	421	196	single	single	ADJ
fsr-3930	421	197	60	60	NUM
fsr-3930	421	198	%	%	NOUN
fsr-3930	421	199	40	40	NUM
fsr-3930	421	200	%	%	NOUN
fsr-3930	421	201	108	108	NUM
fsr-3930	421	202	%	%	NOUN
fsr-3930	421	203	�	�	NOUN
fsr-3930	421	204	8	8	NUM
fsr-3930	421	205	%	%	NOUN
fsr-3930	421	206	84	84	NUM
fsr-3930	421	207	%	%	NOUN
fsr-3930	421	208	16	16	NUM
fsr-3930	421	209	%	%	NOUN
fsr-3930	421	210	76	76	NUM
fsr-3930	421	211	%	%	NOUN
fsr-3930	421	212	24	24	NUM
fsr-3930	421	213	%	%	NOUN
fsr-3930	421	214	84	84	NUM
fsr-3930	421	215	%	%	NOUN
fsr-3930	421	216	16	16	NUM
fsr-3930	421	217	%	%	NOUN
fsr-3930	421	218	married	marry	VERB
fsr-3930	421	219	60	60	NUM
fsr-3930	421	220	%	%	NOUN
fsr-3930	421	221	40	40	NUM
fsr-3930	421	222	%	%	NOUN
fsr-3930	421	223	139	139	NUM
fsr-3930	421	224	%	%	NOUN
fsr-3930	421	225	�	�	NOUN
fsr-3930	421	226	39	39	NUM
fsr-3930	421	227	%	%	NOUN
fsr-3930	421	228	99	99	NUM
fsr-3930	421	229	%	%	NOUN
fsr-3930	421	230	1	1	NUM
fsr-3930	421	231	%	%	NOUN
fsr-3930	421	232	86	86	NUM
fsr-3930	421	233	%	%	NOUN
fsr-3930	421	234	14	14	NUM
fsr-3930	421	235	%	%	NOUN
fsr-3930	421	236	99	99	NUM
fsr-3930	421	237	%	%	NOUN
fsr-3930	421	238	1	1	NUM
fsr-3930	421	239	%	%	NOUN
fsr-3930	421	240	62	62	NUM
fsr-3930	421	241	single	single	ADJ
fsr-3930	421	242	60	60	NUM
fsr-3930	421	243	%	%	NOUN
fsr-3930	421	244	40	40	NUM
fsr-3930	421	245	%	%	NOUN
fsr-3930	421	246	115	115	NUM
fsr-3930	421	247	%	%	NOUN
fsr-3930	421	248	�	�	NOUN
fsr-3930	421	249	15	15	NUM
fsr-3930	421	250	%	%	NOUN
fsr-3930	421	251	88	88	NUM
fsr-3930	421	252	%	%	NOUN
fsr-3930	421	253	12	12	NUM
fsr-3930	421	254	%	%	NOUN
fsr-3930	421	255	78	78	NUM
fsr-3930	421	256	%	%	NOUN
fsr-3930	421	257	22	22	NUM
fsr-3930	421	258	%	%	NOUN
fsr-3930	421	259	86	86	NUM
fsr-3930	421	260	%	%	NOUN
fsr-3930	421	261	14	14	NUM
fsr-3930	421	262	%	%	NOUN
fsr-3930	421	263	married	marry	VERB
fsr-3930	421	264	60	60	NUM
fsr-3930	421	265	%	%	NOUN
fsr-3930	421	266	40	40	NUM
fsr-3930	421	267	%	%	NOUN
fsr-3930	421	268	150	150	NUM
fsr-3930	421	269	%	%	NOUN
fsr-3930	421	270	�	�	NOUN
fsr-3930	421	271	50	50	NUM
fsr-3930	421	272	%	%	NOUN
fsr-3930	421	273	105	105	NUM
fsr-3930	421	274	%	%	NOUN
fsr-3930	421	275	�	�	NOUN
fsr-3930	421	276	5	5	NUM
fsr-3930	421	277	%	%	NOUN
fsr-3930	421	278	90	90	NUM
fsr-3930	421	279	%	%	NOUN
fsr-3930	421	280	10	10	NUM
fsr-3930	421	281	%	%	NOUN
fsr-3930	421	282	102	102	NUM
fsr-3930	421	283	%	%	NOUN
fsr-3930	421	284	�	�	NOUN
fsr-3930	421	285	2	2	NUM
fsr-3930	421	286	%	%	NOUN
fsr-3930	421	287	65	65	NUM
fsr-3930	421	288	single	single	ADJ
fsr-3930	421	289	60	60	NUM
fsr-3930	421	290	%	%	NOUN
fsr-3930	421	291	40	40	NUM
fsr-3930	421	292	%	%	NOUN
fsr-3930	421	293	122	122	NUM
fsr-3930	421	294	%	%	NOUN
fsr-3930	421	295	�	�	NOUN
fsr-3930	421	296	22	22	NUM
fsr-3930	421	297	%	%	NOUN
fsr-3930	421	298	91	91	NUM
fsr-3930	421	299	%	%	NOUN
fsr-3930	421	300	9	9	NUM
fsr-3930	421	301	%	%	NOUN
fsr-3930	421	302	81	81	NUM
fsr-3930	421	303	%	%	NOUN
fsr-3930	421	304	19	19	NUM
fsr-3930	421	305	%	%	NOUN
fsr-3930	421	306	87	87	NUM
fsr-3930	421	307	%	%	NOUN
fsr-3930	421	308	13	13	NUM
fsr-3930	421	309	%	%	NOUN
fsr-3930	421	310	married	marry	VERB
fsr-3930	421	311	60	60	NUM
fsr-3930	421	312	%	%	NOUN
fsr-3930	421	313	40	40	NUM
fsr-3930	421	314	%	%	NOUN
fsr-3930	421	315	164	164	NUM
fsr-3930	421	316	%	%	NOUN
fsr-3930	421	317	�	�	NOUN
fsr-3930	421	318	64	64	NUM
fsr-3930	421	319	%	%	NOUN
fsr-3930	421	320	112	112	NUM
fsr-3930	421	321	%	%	NOUN
fsr-3930	421	322	�	�	NOUN
fsr-3930	421	323	12	12	NUM
fsr-3930	421	324	%	%	NOUN
fsr-3930	421	325	95	95	NUM
fsr-3930	421	326	%	%	NOUN
fsr-3930	421	327	5	5	NUM
fsr-3930	421	328	%	%	NOUN
fsr-3930	421	329	105	105	NUM
fsr-3930	421	330	%	%	NOUN
fsr-3930	421	331	�	�	NOUN
fsr-3930	421	332	5	5	NUM
fsr-3930	421	333	%	%	NOUN
fsr-3930	421	334	70	70	NUM
fsr-3930	421	335	single	single	ADJ
fsr-3930	421	336	60	60	NUM
fsr-3930	421	337	%	%	NOUN
fsr-3930	421	338	40	40	NUM
fsr-3930	421	339	%	%	NOUN
fsr-3930	421	340	131	131	NUM
fsr-3930	421	341	%	%	NOUN
fsr-3930	421	342	�	�	PROPN
fsr-3930	421	343	31	31	NUM
fsr-3930	421	344	%	%	NOUN
fsr-3930	421	345	96	96	NUM
fsr-3930	421	346	%	%	NOUN
fsr-3930	421	347	4	4	NUM
fsr-3930	421	348	%	%	NOUN
fsr-3930	421	349	84	84	NUM
fsr-3930	421	350	%	%	NOUN
fsr-3930	421	351	16	16	NUM
fsr-3930	421	352	%	%	NOUN
fsr-3930	421	353	90	90	NUM
fsr-3930	421	354	%	%	NOUN
fsr-3930	421	355	10	10	NUM
fsr-3930	421	356	%	%	NOUN
fsr-3930	421	357	married	married	ADJ
fsr-3930	421	358	60	60	NUM
fsr-3930	421	359	%	%	NOUN
fsr-3930	421	360	40	40	NUM
fsr-3930	421	361	%	%	NOUN
fsr-3930	421	362	181	181	NUM
fsr-3930	421	363	%	%	NOUN
fsr-3930	421	364	�	�	NOUN
fsr-3930	421	365	81	81	NUM
fsr-3930	421	366	%	%	NOUN
fsr-3930	421	367	120	120	NUM
fsr-3930	421	368	%	%	NOUN
fsr-3930	421	369	�	�	NOUN
fsr-3930	421	370	20	20	NUM
fsr-3930	421	371	%	%	NOUN
fsr-3930	421	372	100	100	NUM
fsr-3930	421	373	%	%	NOUN
fsr-3930	421	374	0	0	NUM
fsr-3930	421	375	%	%	NOUN
fsr-3930	421	376	110	110	NUM
fsr-3930	421	377	%	%	NOUN
fsr-3930	421	378	�	�	NOUN
fsr-3930	421	379	10	10	NUM
fsr-3930	421	380	%	%	NOUN
fsr-3930	422	1	80	80	NUM
fsr-3930	422	2	single	single	ADJ
fsr-3930	422	3	60	60	NUM
fsr-3930	422	4	%	%	NOUN
fsr-3930	422	5	40	40	NUM
fsr-3930	422	6	%	%	NOUN
fsr-3930	422	7	148	148	NUM
fsr-3930	422	8	%	%	NOUN
fsr-3930	422	9	�	�	NOUN
fsr-3930	422	10	48	48	NUM
fsr-3930	422	11	%	%	NOUN
fsr-3930	422	12	104	104	NUM
fsr-3930	422	13	%	%	NOUN
fsr-3930	422	14	�	�	NOUN
fsr-3930	422	15	4	4	NUM
fsr-3930	422	16	%	%	NOUN
fsr-3930	422	17	89	89	NUM
fsr-3930	422	18	%	%	NOUN
fsr-3930	422	19	11	11	NUM
fsr-3930	422	20	%	%	NOUN
fsr-3930	422	21	96	96	NUM
fsr-3930	422	22	%	%	NOUN
fsr-3930	422	23	4	4	NUM
fsr-3930	422	24	%	%	NOUN
fsr-3930	422	25	married	married	ADJ
fsr-3930	422	26	60	60	NUM
fsr-3930	422	27	%	%	NOUN
fsr-3930	422	28	40	40	NUM
fsr-3930	422	29	%	%	NOUN
fsr-3930	422	30	215	215	NUM
fsr-3930	422	31	%	%	NOUN
fsr-3930	422	32	�	�	NOUN
fsr-3930	422	33	115	115	NUM
fsr-3930	422	34	%	%	NOUN
fsr-3930	422	35	137	137	NUM
fsr-3930	422	36	%	%	NOUN
fsr-3930	422	37	�	�	NOUN
fsr-3930	422	38	37	37	NUM
fsr-3930	422	39	%	%	NOUN
fsr-3930	422	40	112	112	NUM
fsr-3930	422	41	%	%	NOUN
fsr-3930	422	42	�	�	NOUN
fsr-3930	422	43	12	12	NUM
fsr-3930	422	44	%	%	NOUN
fsr-3930	422	45	123	123	NUM
fsr-3930	422	46	%	%	NOUN
fsr-3930	422	47	�	�	NOUN
fsr-3930	422	48	23	23	NUM
fsr-3930	422	49	%	%	NOUN
fsr-3930	422	50	required	require	VERB
fsr-3930	422	51	financial	financial	ADJ
fsr-3930	422	52	portfolio	portfolio	NOUN
fsr-3930	422	53	asset	asset	NOUN
fsr-3930	422	54	allocation	allocation	NOUN
fsr-3930	422	55	necessary	necessary	ADJ
fsr-3930	422	56	to	to	PART
fsr-3930	422	57	achieve	achieve	VERB
fsr-3930	422	58	a	a	DET
fsr-3930	422	59	60/40	60/40	NUM
fsr-3930	422	60	fixed	fix	VERB
fsr-3930	422	61	mix	mix	NOUN
fsr-3930	422	62	in	in	ADP
fsr-3930	422	63	the	the	DET
fsr-3930	422	64	expanded	expand	VERB
fsr-3930	422	65	portfolio	portfolio	NOUN
fsr-3930	422	66	,	,	PUNCT
fsr-3930	422	67	which	which	PRON
fsr-3930	422	68	includes	include	VERB
fsr-3930	422	69	social	social	ADJ
fsr-3930	422	70	security	security	NOUN
fsr-3930	422	71	wealth	wealth	NOUN
fsr-3930	422	72	.	.	PUNCT
fsr-3930	423	1	social	social	ADJ
fsr-3930	423	2	security	security	NOUN
fsr-3930	423	3	wealth	wealth	NOUN
fsr-3930	423	4	is	be	AUX
fsr-3930	423	5	treated	treat	VERB
fsr-3930	423	6	as	as	ADP
fsr-3930	423	7	a	a	DET
fsr-3930	423	8	bond	bond	NOUN
fsr-3930	423	9	and	and	CCONJ
fsr-3930	423	10	uses	use	VERB
fsr-3930	423	11	values	value	NOUN
fsr-3930	423	12	from	from	ADP
fsr-3930	423	13	table	table	NOUN
fsr-3930	423	14	1	1	NUM
fsr-3930	423	15	computed	compute	VERB
fsr-3930	423	16	using	use	VERB
fsr-3930	423	17	real	real	ADJ
fsr-3930	423	18	tips	tip	NOUN
fsr-3930	423	19	yields	yield	NOUN
fsr-3930	423	20	for	for	ADP
fsr-3930	423	21	a	a	DET
fsr-3930	423	22	high	high	ADV
fsr-3930	423	23	-	-	PUNCT
fsr-3930	423	24	earning	earn	VERB
fsr-3930	423	25	worker	worker	NOUN
fsr-3930	423	26	.	.	PUNCT
fsr-3930	424	1	savings	saving	NOUN
fsr-3930	424	2	rates	rate	NOUN
fsr-3930	424	3	are	be	AUX
fsr-3930	424	4	applied	apply	VERB
fsr-3930	424	5	over	over	ADP
fsr-3930	424	6	a	a	DET
fsr-3930	424	7	working	work	VERB
fsr-3930	424	8	lifetime	lifetime	NOUN
fsr-3930	424	9	to	to	PART
fsr-3930	424	10	create	create	VERB
fsr-3930	424	11	financial	financial	ADJ
fsr-3930	424	12	portfolio	portfolio	NOUN
fsr-3930	424	13	values	value	NOUN
fsr-3930	424	14	;	;	PUNCT
fsr-3930	424	15	mnd	mnd	PROPN
fsr-3930	424	16	saver	saver	NOUN
fsr-3930	424	17	’s	’s	PART
fsr-3930	424	18	financial	financial	ADJ
fsr-3930	424	19	portfolios	portfolio	NOUN
fsr-3930	424	20	are	be	AUX
fsr-3930	424	21	computed	compute	VERB
fsr-3930	424	22	for	for	ADP
fsr-3930	424	23	“	"	PUNCT
fsr-3930	424	24	prodigious	prodigious	ADJ
fsr-3930	424	25	accumulator[s	accumulator[s	NOUN
fsr-3930	424	26	]	]	PUNCT
fsr-3930	424	27	of	of	ADP
fsr-3930	424	28	wealth	wealth	NOUN
fsr-3930	424	29	”	"	PUNCT
fsr-3930	424	30	per	per	ADP
fsr-3930	424	31	stanley	stanley	NOUN
fsr-3930	424	32	and	and	CCONJ
fsr-3930	424	33	danko	danko	PROPN
fsr-3930	424	34	(	(	PUNCT
fsr-3930	424	35	1996	1996	NUM
fsr-3930	424	36	)	)	PUNCT
fsr-3930	424	37	.	.	PUNCT
fsr-3930	425	1	stock	stock	NOUN
fsr-3930	425	2	positions	position	NOUN
fsr-3930	425	3	greater	great	ADJ
fsr-3930	425	4	than	than	ADP
fsr-3930	425	5	100	100	NUM
fsr-3930	425	6	%	%	NOUN
fsr-3930	425	7	are	be	AUX
fsr-3930	425	8	purchased	purchase	VERB
fsr-3930	425	9	on	on	ADP
fsr-3930	425	10	margin	margin	NOUN
fsr-3930	425	11	;	;	PUNCT
fsr-3930	425	12	those	those	DET
fsr-3930	425	13	greater	great	ADJ
fsr-3930	425	14	than	than	ADP
fsr-3930	425	15	200	200	NUM
fsr-3930	425	16	%	%	NOUN
fsr-3930	425	17	require	require	VERB
fsr-3930	425	18	stock	stock	NOUN
fsr-3930	425	19	futures	future	NOUN
fsr-3930	425	20	to	to	PART
fsr-3930	425	21	implement	implement	VERB
fsr-3930	425	22	.	.	PUNCT
fsr-3930	426	1	negative	negative	ADJ
fsr-3930	426	2	bond	bond	NOUN
fsr-3930	426	3	positions	position	NOUN
fsr-3930	426	4	represent	represent	VERB
fsr-3930	426	5	margin	margin	NOUN
fsr-3930	426	6	borrowing	borrowing	NOUN
fsr-3930	426	7	.	.	PUNCT
fsr-3930	427	1	311s.p	311s.p	X
fsr-3930	427	2	.	.	PUNCT
fsr-3930	428	1	fraser	fraser	PROPN
fsr-3930	428	2	et	et	PROPN
fsr-3930	428	3	al	al	PROPN
fsr-3930	428	4	.	.	PUNCT
fsr-3930	428	5	/	/	SYM
fsr-3930	428	6	financial	financial	ADJ
fsr-3930	428	7	services	service	NOUN
fsr-3930	428	8	review	review	VERB
fsr-3930	428	9	9	9	NUM
fsr-3930	428	10	(	(	PUNCT
fsr-3930	428	11	2000	2000	NUM
fsr-3930	428	12	)	)	PUNCT
fsr-3930	429	1	295–326	295–326	NUM
fsr-3930	429	2	mix	mix	NOUN
fsr-3930	429	3	in	in	ADP
fsr-3930	429	4	the	the	DET
fsr-3930	429	5	financial	financial	ADJ
fsr-3930	429	6	portfolio	portfolio	NOUN
fsr-3930	429	7	.	.	PUNCT
fsr-3930	430	1	again	again	ADV
fsr-3930	430	2	,	,	PUNCT
fsr-3930	430	3	to	to	PART
fsr-3930	430	4	offset	offset	VERB
fsr-3930	430	5	social	social	ADJ
fsr-3930	430	6	security	security	NOUN
fsr-3930	430	7	’s	’s	PART
fsr-3930	430	8	impact	impact	NOUN
fsr-3930	430	9	on	on	ADP
fsr-3930	430	10	the	the	DET
fsr-3930	430	11	financial	financial	ADJ
fsr-3930	430	12	portfolio	portfolio	NOUN
fsr-3930	430	13	,	,	PUNCT
fsr-3930	430	14	most	most	ADJ
fsr-3930	430	15	investors	investor	NOUN
fsr-3930	430	16	need	need	VERB
fsr-3930	430	17	more	more	ADJ
fsr-3930	430	18	than	than	ADP
fsr-3930	430	19	50	50	NUM
fsr-3930	430	20	%	%	NOUN
fsr-3930	430	21	stock	stock	NOUN
fsr-3930	430	22	in	in	ADP
fsr-3930	430	23	their	their	PRON
fsr-3930	430	24	financial	financial	ADJ
fsr-3930	430	25	portfolio	portfolio	NOUN
fsr-3930	430	26	.	.	PUNCT
fsr-3930	431	1	while	while	SCONJ
fsr-3930	431	2	these	these	DET
fsr-3930	431	3	results	result	NOUN
fsr-3930	431	4	are	be	AUX
fsr-3930	431	5	similar	similar	ADJ
fsr-3930	431	6	to	to	ADP
fsr-3930	431	7	the	the	DET
fsr-3930	431	8	life	life	NOUN
fsr-3930	431	9	-	-	PUNCT
fsr-3930	431	10	cycle	cycle	NOUN
fsr-3930	431	11	approach	approach	NOUN
fsr-3930	431	12	,	,	PUNCT
fsr-3930	431	13	we	we	PRON
fsr-3930	431	14	include	include	VERB
fsr-3930	431	15	them	they	PRON
fsr-3930	431	16	to	to	PART
fsr-3930	431	17	demonstrate	demonstrate	VERB
fsr-3930	431	18	the	the	DET
fsr-3930	431	19	veracity	veracity	NOUN
fsr-3930	431	20	of	of	ADP
fsr-3930	431	21	our	our	PRON
fsr-3930	431	22	result	result	NOUN
fsr-3930	431	23	that	that	SCONJ
fsr-3930	431	24	including	include	VERB
fsr-3930	431	25	social	social	ADJ
fsr-3930	431	26	security	security	NOUN
fsr-3930	431	27	wealth	wealth	NOUN
fsr-3930	431	28	has	have	AUX
fsr-3930	431	29	a	a	DET
fsr-3930	431	30	profound	profound	ADJ
fsr-3930	431	31	impact	impact	NOUN
fsr-3930	431	32	on	on	ADP
fsr-3930	431	33	strategic	strategic	ADJ
fsr-3930	431	34	asset	asset	NOUN
fsr-3930	431	35	allocation	allocation	NOUN
fsr-3930	431	36	—	—	PUNCT
fsr-3930	431	37	whatever	whatever	PRON
fsr-3930	431	38	the	the	DET
fsr-3930	431	39	asset	asset	NOUN
fsr-3930	431	40	-	-	PUNCT
fsr-3930	431	41	mix	mix	NOUN
fsr-3930	431	42	decision	decision	NOUN
fsr-3930	431	43	rule	rule	NOUN
fsr-3930	431	44	.	.	PUNCT
fsr-3930	432	1	4.5	4.5	NUM
fsr-3930	432	2	.	.	PUNCT
fsr-3930	432	3	implications	implication	NOUN
fsr-3930	432	4	for	for	ADP
fsr-3930	432	5	optimization	optimization	NOUN
fsr-3930	432	6	we	we	PRON
fsr-3930	432	7	have	have	AUX
fsr-3930	432	8	shown	show	VERB
fsr-3930	432	9	social	social	ADJ
fsr-3930	432	10	security	security	NOUN
fsr-3930	432	11	wealth	wealth	NOUN
fsr-3930	432	12	has	have	VERB
fsr-3930	432	13	a	a	DET
fsr-3930	432	14	clear	clear	ADJ
fsr-3930	432	15	impact	impact	NOUN
fsr-3930	432	16	on	on	ADP
fsr-3930	432	17	the	the	DET
fsr-3930	432	18	portfolio	portfolio	NOUN
fsr-3930	432	19	asset	asset	NOUN
fsr-3930	432	20	mix	mix	NOUN
fsr-3930	432	21	under	under	ADP
fsr-3930	432	22	three	three	NUM
fsr-3930	432	23	common	common	ADJ
fsr-3930	432	24	decision	decision	NOUN
fsr-3930	432	25	rules	rule	NOUN
fsr-3930	432	26	.	.	PUNCT
fsr-3930	433	1	here	here	ADV
fsr-3930	433	2	we	we	PRON
fsr-3930	433	3	discuss	discuss	VERB
fsr-3930	433	4	its	its	PRON
fsr-3930	433	5	impact	impact	NOUN
fsr-3930	433	6	under	under	ADP
fsr-3930	433	7	the	the	DET
fsr-3930	433	8	more	more	ADV
fsr-3930	433	9	sophisticated	sophisticated	ADJ
fsr-3930	433	10	markowitz	markowitz	NOUN
fsr-3930	433	11	(	(	PUNCT
fsr-3930	433	12	1959	1959	NUM
fsr-3930	433	13	)	)	PUNCT
fsr-3930	433	14	approach	approach	NOUN
fsr-3930	433	15	that	that	PRON
fsr-3930	433	16	calculates	calculate	VERB
fsr-3930	433	17	the	the	DET
fsr-3930	433	18	efficient	efficient	ADJ
fsr-3930	433	19	frontier	frontier	NOUN
fsr-3930	433	20	of	of	ADP
fsr-3930	433	21	minimum	minimum	ADJ
fsr-3930	433	22	risk	risk	NOUN
fsr-3930	433	23	portfolios	portfolio	NOUN
fsr-3930	433	24	for	for	ADP
fsr-3930	433	25	a	a	DET
fsr-3930	433	26	given	give	VERB
fsr-3930	433	27	return	return	NOUN
fsr-3930	433	28	level	level	NOUN
fsr-3930	433	29	—	—	PUNCT
fsr-3930	433	30	mean	mean	ADJ
fsr-3930	433	31	-	-	PUNCT
fsr-3930	433	32	variance	variance	NOUN
fsr-3930	433	33	optimization	optimization	NOUN
fsr-3930	433	34	(	(	PUNCT
fsr-3930	433	35	mvo	mvo	PROPN
fsr-3930	433	36	)	)	PUNCT
fsr-3930	433	37	.	.	PUNCT
fsr-3930	434	1	as	as	ADP
fsr-3930	434	2	before	before	ADV
fsr-3930	434	3	,	,	PUNCT
fsr-3930	434	4	we	we	PRON
fsr-3930	434	5	can	can	AUX
fsr-3930	434	6	state	state	VERB
fsr-3930	434	7	that	that	SCONJ
fsr-3930	434	8	excluding	exclude	VERB
fsr-3930	434	9	social	social	ADJ
fsr-3930	434	10	security	security	NOUN
fsr-3930	434	11	wealth	wealth	NOUN
fsr-3930	434	12	will	will	AUX
fsr-3930	434	13	greatly	greatly	ADV
fsr-3930	434	14	affect	affect	VERB
fsr-3930	434	15	an	an	DET
fsr-3930	434	16	individual	individual	NOUN
fsr-3930	434	17	’s	’s	PART
fsr-3930	434	18	optimal	optimal	ADJ
fsr-3930	434	19	portfolio	portfolio	NOUN
fsr-3930	434	20	.	.	PUNCT
fsr-3930	435	1	many	many	ADJ
fsr-3930	435	2	researchers	researcher	NOUN
fsr-3930	435	3	(	(	PUNCT
fsr-3930	435	4	siegel	siegel	NOUN
fsr-3930	435	5	,	,	PUNCT
fsr-3930	435	6	1998	1998	NUM
fsr-3930	435	7	;	;	PUNCT
fsr-3930	435	8	bodie	bodie	PROPN
fsr-3930	435	9	,	,	PUNCT
fsr-3930	435	10	1990	1990	NUM
fsr-3930	435	11	;	;	PUNCT
fsr-3930	435	12	brynjolfsson	brynjolfsson	PROPN
fsr-3930	435	13	&	&	CCONJ
fsr-3930	435	14	fabozzi	fabozzi	PROPN
fsr-3930	435	15	,	,	PUNCT
fsr-3930	435	16	1999	1999	NUM
fsr-3930	435	17	;	;	PUNCT
fsr-3930	435	18	chen	chen	PROPN
fsr-3930	435	19	&	&	CCONJ
fsr-3930	435	20	terrien	terrien	PROPN
fsr-3930	435	21	,	,	PUNCT
fsr-3930	435	22	1999	1999	NUM
fsr-3930	435	23	;	;	PUNCT
fsr-3930	435	24	dalio	dalio	NOUN
fsr-3930	435	25	&	&	CCONJ
fsr-3930	435	26	bernstein	bernstein	PROPN
fsr-3930	435	27	,	,	PUNCT
fsr-3930	435	28	1999	1999	NUM
fsr-3930	435	29	;	;	PUNCT
fsr-3930	435	30	lamm	lamm	PROPN
fsr-3930	435	31	,	,	PUNCT
fsr-3930	435	32	1998	1998	NUM
fsr-3930	435	33	;	;	PUNCT
fsr-3930	435	34	phoa	phoa	NOUN
fsr-3930	435	35	,	,	PUNCT
fsr-3930	435	36	1999	1999	NUM
fsr-3930	435	37	;	;	PUNCT
fsr-3930	435	38	rudolph	rudolph	NOUN
fsr-3930	435	39	-	-	PUNCT
fsr-3930	435	40	shabinsky	shabinsky	NOUN
fsr-3930	435	41	,	,	PUNCT
fsr-3930	435	42	2000	2000	NUM
fsr-3930	435	43	)	)	PUNCT
fsr-3930	435	44	find	find	VERB
fsr-3930	435	45	that	that	SCONJ
fsr-3930	435	46	adding	add	VERB
fsr-3930	435	47	tips	tip	NOUN
fsr-3930	435	48	to	to	ADP
fsr-3930	435	49	stock	stock	NOUN
fsr-3930	435	50	/	/	SYM
fsr-3930	435	51	bond	bond	NOUN
fsr-3930	435	52	portfolios	portfolio	NOUN
fsr-3930	435	53	enhances	enhance	VERB
fsr-3930	435	54	portfolio	portfolio	NOUN
fsr-3930	435	55	efficiency	efficiency	NOUN
fsr-3930	435	56	and	and	CCONJ
fsr-3930	435	57	that	that	SCONJ
fsr-3930	435	58	tips	tip	NOUN
fsr-3930	435	59	displace	displace	VERB
fsr-3930	435	60	ordinary	ordinary	ADJ
fsr-3930	435	61	bonds	bond	NOUN
fsr-3930	435	62	along	along	ADP
fsr-3930	435	63	much	much	ADJ
fsr-3930	435	64	of	of	ADP
fsr-3930	435	65	the	the	DET
fsr-3930	435	66	efficient	efficient	ADJ
fsr-3930	435	67	frontier	frontier	NOUN
fsr-3930	435	68	.	.	PUNCT
fsr-3930	436	1	tips	tip	NOUN
fsr-3930	436	2	shift	shift	VERB
fsr-3930	436	3	the	the	DET
fsr-3930	436	4	meanvariance	meanvariance	NOUN
fsr-3930	436	5	efficient	efficient	ADJ
fsr-3930	436	6	frontier	frontier	NOUN
fsr-3930	436	7	because	because	SCONJ
fsr-3930	436	8	of	of	ADP
fsr-3930	436	9	their	their	PRON
fsr-3930	436	10	impact	impact	NOUN
fsr-3930	436	11	on	on	ADP
fsr-3930	436	12	the	the	DET
fsr-3930	436	13	optimization	optimization	NOUN
fsr-3930	436	14	inputs	input	NOUN
fsr-3930	436	15	—	—	PUNCT
fsr-3930	436	16	expected	expect	VERB
fsr-3930	436	17	means	mean	NOUN
fsr-3930	436	18	,	,	PUNCT
fsr-3930	436	19	variance	variance	NOUN
fsr-3930	436	20	and	and	CCONJ
fsr-3930	436	21	correlations	correlation	NOUN
fsr-3930	436	22	.	.	PUNCT
fsr-3930	437	1	we	we	PRON
fsr-3930	437	2	consider	consider	VERB
fsr-3930	437	3	these	these	PRON
fsr-3930	437	4	in	in	ADP
fsr-3930	437	5	turn	turn	NOUN
fsr-3930	437	6	.	.	PUNCT
fsr-3930	438	1	first	first	ADV
fsr-3930	438	2	,	,	PUNCT
fsr-3930	438	3	the	the	DET
fsr-3930	438	4	expected	expect	VERB
fsr-3930	438	5	return	return	NOUN
fsr-3930	438	6	on	on	ADP
fsr-3930	438	7	tips	tip	NOUN
fsr-3930	438	8	is	be	AUX
fsr-3930	438	9	low	low	ADJ
fsr-3930	438	10	when	when	SCONJ
fsr-3930	438	11	compared	compare	VERB
fsr-3930	438	12	to	to	ADP
fsr-3930	438	13	stocks	stock	NOUN
fsr-3930	438	14	and	and	CCONJ
fsr-3930	438	15	bonds	bond	NOUN
fsr-3930	438	16	in	in	ADP
fsr-3930	438	17	nominal	nominal	ADJ
fsr-3930	438	18	terms	term	NOUN
fsr-3930	438	19	,	,	PUNCT
fsr-3930	438	20	but	but	CCONJ
fsr-3930	438	21	they	they	PRON
fsr-3930	438	22	compare	compare	VERB
fsr-3930	438	23	favorably	favorably	ADV
fsr-3930	438	24	in	in	ADP
fsr-3930	438	25	real	real	ADJ
fsr-3930	438	26	terms	term	NOUN
fsr-3930	438	27	.	.	PUNCT
fsr-3930	439	1	second	second	ADV
fsr-3930	439	2	,	,	PUNCT
fsr-3930	439	3	the	the	DET
fsr-3930	439	4	variance	variance	NOUN
fsr-3930	439	5	of	of	ADP
fsr-3930	439	6	tips	tip	NOUN
fsr-3930	439	7	is	be	AUX
fsr-3930	439	8	lower	low	ADJ
fsr-3930	439	9	than	than	ADP
fsr-3930	439	10	other	other	ADJ
fsr-3930	439	11	asset	asset	NOUN
fsr-3930	439	12	classes	class	NOUN
fsr-3930	439	13	.	.	PUNCT
fsr-3930	440	1	while	while	SCONJ
fsr-3930	440	2	fig	fig	NOUN
fsr-3930	440	3	.	.	PUNCT
fsr-3930	441	1	3	3	X
fsr-3930	441	2	.	.	X
fsr-3930	441	3	adjusting	adjust	VERB
fsr-3930	441	4	the	the	DET
fsr-3930	441	5	financial	financial	ADJ
fsr-3930	441	6	portfolio	portfolio	NOUN
fsr-3930	441	7	to	to	PART
fsr-3930	441	8	reflect	reflect	VERB
fsr-3930	441	9	social	social	ADJ
fsr-3930	441	10	security	security	NOUN
fsr-3930	441	11	wealth	wealth	NOUN
fsr-3930	441	12	.	.	PUNCT
fsr-3930	442	1	312	312	NUM
fsr-3930	442	2	s.p	s.p	PROPN
fsr-3930	442	3	.	.	PROPN
fsr-3930	442	4	fraser	fraser	PROPN
fsr-3930	442	5	et	et	PROPN
fsr-3930	442	6	al	al	PROPN
fsr-3930	442	7	.	.	PUNCT
fsr-3930	442	8	/	/	SYM
fsr-3930	442	9	financial	financial	ADJ
fsr-3930	442	10	services	service	NOUN
fsr-3930	442	11	review	review	VERB
fsr-3930	442	12	9	9	NUM
fsr-3930	442	13	(	(	PUNCT
fsr-3930	442	14	2000	2000	NUM
fsr-3930	442	15	)	)	PUNCT
fsr-3930	443	1	295–326	295–326	NUM
fsr-3930	443	2	ordinary	ordinary	ADJ
fsr-3930	443	3	bonds	bond	NOUN
fsr-3930	443	4	’	'	PUNCT
fsr-3930	443	5	variance	variance	NOUN
fsr-3930	443	6	reflects	reflect	VERB
fsr-3930	443	7	changes	change	NOUN
fsr-3930	443	8	in	in	ADP
fsr-3930	443	9	both	both	DET
fsr-3930	443	10	real	real	ADJ
fsr-3930	443	11	yields	yield	NOUN
fsr-3930	443	12	and	and	CCONJ
fsr-3930	443	13	inflation	inflation	NOUN
fsr-3930	443	14	expectations	expectation	NOUN
fsr-3930	443	15	,	,	PUNCT
fsr-3930	443	16	tips	tip	NOUN
fsr-3930	443	17	’s	’s	PART
fsr-3930	443	18	variance	variance	NOUN
fsr-3930	443	19	only	only	ADV
fsr-3930	443	20	reflects	reflect	VERB
fsr-3930	443	21	changes	change	NOUN
fsr-3930	443	22	in	in	ADP
fsr-3930	443	23	real	real	ADJ
fsr-3930	443	24	yields	yield	NOUN
fsr-3930	443	25	.	.	PUNCT
fsr-3930	444	1	dalio	dalio	NOUN
fsr-3930	444	2	and	and	CCONJ
fsr-3930	444	3	bernstein	bernstein	PROPN
fsr-3930	444	4	(	(	PUNCT
fsr-3930	444	5	1999	1999	NUM
fsr-3930	444	6	)	)	PUNCT
fsr-3930	444	7	estimate	estimate	NOUN
fsr-3930	444	8	this	this	PRON
fsr-3930	444	9	is	be	AUX
fsr-3930	444	10	responsible	responsible	ADJ
fsr-3930	444	11	for	for	ADP
fsr-3930	444	12	only	only	ADV
fsr-3930	444	13	30	30	NUM
fsr-3930	444	14	%	%	NOUN
fsr-3930	444	15	of	of	ADP
fsr-3930	444	16	bonds	bond	NOUN
fsr-3930	444	17	’	'	PUNCT
fsr-3930	444	18	overall	overall	ADJ
fsr-3930	444	19	variance	variance	NOUN
fsr-3930	444	20	.	.	PUNCT
fsr-3930	445	1	third	third	ADJ
fsr-3930	445	2	,	,	PUNCT
fsr-3930	445	3	tips	tip	NOUN
fsr-3930	445	4	have	have	VERB
fsr-3930	445	5	an	an	DET
fsr-3930	445	6	unusually	unusually	ADV
fsr-3930	445	7	low	low	ADJ
fsr-3930	445	8	correlation	correlation	NOUN
fsr-3930	445	9	with	with	ADP
fsr-3930	445	10	other	other	ADJ
fsr-3930	445	11	asset	asset	NOUN
fsr-3930	445	12	classes	class	NOUN
fsr-3930	445	13	.	.	PUNCT
fsr-3930	446	1	tips	tip	NOUN
fsr-3930	446	2	have	have	VERB
fsr-3930	446	3	low	low	ADJ
fsr-3930	446	4	correlation	correlation	NOUN
fsr-3930	446	5	with	with	ADP
fsr-3930	446	6	nominal	nominal	ADJ
fsr-3930	446	7	bonds	bond	NOUN
fsr-3930	446	8	because	because	SCONJ
fsr-3930	446	9	of	of	ADP
fsr-3930	446	10	their	their	PRON
fsr-3930	446	11	opposite	opposite	ADJ
fsr-3930	446	12	reaction	reaction	NOUN
fsr-3930	446	13	to	to	ADP
fsr-3930	446	14	inflation	inflation	NOUN
fsr-3930	446	15	.	.	PUNCT
fsr-3930	447	1	tips	tip	NOUN
fsr-3930	447	2	have	have	VERB
fsr-3930	447	3	low	low	ADJ
fsr-3930	447	4	correlation	correlation	NOUN
fsr-3930	447	5	with	with	ADP
fsr-3930	447	6	stocks	stock	NOUN
fsr-3930	447	7	because	because	SCONJ
fsr-3930	447	8	stocks	stock	NOUN
fsr-3930	447	9	are	be	AUX
fsr-3930	447	10	empirically	empirically	ADV
fsr-3930	447	11	poor	poor	ADJ
fsr-3930	447	12	inflation	inflation	NOUN
fsr-3930	447	13	hedges	hedge	NOUN
fsr-3930	447	14	.	.	PUNCT
fsr-3930	448	1	for	for	ADP
fsr-3930	448	2	long	long	ADJ
fsr-3930	448	3	horizons	horizon	NOUN
fsr-3930	448	4	,	,	PUNCT
fsr-3930	448	5	dalio	dalio	NOUN
fsr-3930	448	6	and	and	CCONJ
fsr-3930	448	7	bernstein	bernstein	PROPN
fsr-3930	448	8	(	(	PUNCT
fsr-3930	448	9	1999	1999	NUM
fsr-3930	448	10	)	)	PUNCT
fsr-3930	448	11	estimate	estimate	VERB
fsr-3930	448	12	tips	tip	NOUN
fsr-3930	448	13	-	-	PUNCT
fsr-3930	448	14	nominal	nominal	ADJ
fsr-3930	448	15	bond	bond	NOUN
fsr-3930	448	16	correlation	correlation	NOUN
fsr-3930	448	17	at	at	ADP
fsr-3930	448	18	�	�	PROPN
fsr-3930	448	19	0.01	0.01	NUM
fsr-3930	448	20	and	and	CCONJ
fsr-3930	448	21	tips	tip	NOUN
fsr-3930	448	22	-	-	PUNCT
fsr-3930	448	23	stock	stock	NOUN
fsr-3930	448	24	correlation	correlation	NOUN
fsr-3930	448	25	at	at	ADP
fsr-3930	448	26	�	�	PROPN
fsr-3930	448	27	0.24	0.24	NUM
fsr-3930	448	28	.	.	PUNCT
fsr-3930	449	1	brynjolfsson	brynjolfsson	NOUN
fsr-3930	449	2	and	and	CCONJ
fsr-3930	449	3	rennie	rennie	PROPN
fsr-3930	449	4	(	(	PUNCT
fsr-3930	449	5	1999	1999	NUM
fsr-3930	449	6	)	)	PUNCT
fsr-3930	449	7	,	,	PUNCT
fsr-3930	449	8	chen	chen	PROPN
fsr-3930	449	9	and	and	CCONJ
fsr-3930	449	10	terrien	terrien	PROPN
fsr-3930	449	11	(	(	PUNCT
fsr-3930	449	12	1999	1999	NUM
fsr-3930	449	13	)	)	PUNCT
fsr-3930	449	14	and	and	CCONJ
fsr-3930	449	15	phoa	phoa	NOUN
fsr-3930	449	16	(	(	PUNCT
fsr-3930	449	17	1999	1999	NUM
fsr-3930	449	18	)	)	PUNCT
fsr-3930	449	19	also	also	ADV
fsr-3930	449	20	estimate	estimate	VERB
fsr-3930	449	21	negative	negative	ADJ
fsr-3930	449	22	or	or	CCONJ
fsr-3930	449	23	very	very	ADV
fsr-3930	449	24	low	low	ADJ
fsr-3930	449	25	correlations	correlation	NOUN
fsr-3930	449	26	.	.	PUNCT
fsr-3930	450	1	social	social	ADJ
fsr-3930	450	2	security	security	NOUN
fsr-3930	450	3	,	,	PUNCT
fsr-3930	450	4	like	like	ADP
fsr-3930	450	5	tips	tip	NOUN
fsr-3930	450	6	,	,	PUNCT
fsr-3930	450	7	affects	affect	VERB
fsr-3930	450	8	the	the	DET
fsr-3930	450	9	optimal	optimal	ADJ
fsr-3930	450	10	portfolio	portfolio	NOUN
fsr-3930	450	11	through	through	ADP
fsr-3930	450	12	mvo	mvo	PROPN
fsr-3930	450	13	inputs	input	NOUN
fsr-3930	450	14	—	—	PUNCT
fsr-3930	450	15	expected	expect	VERB
fsr-3930	450	16	means	mean	NOUN
fsr-3930	450	17	,	,	PUNCT
fsr-3930	450	18	variance	variance	NOUN
fsr-3930	450	19	and	and	CCONJ
fsr-3930	450	20	correlations	correlation	NOUN
fsr-3930	450	21	.	.	PUNCT
fsr-3930	451	1	in	in	ADP
fsr-3930	451	2	section	section	NOUN
fsr-3930	451	3	3.3	3.3	NUM
fsr-3930	451	4	,	,	PUNCT
fsr-3930	451	5	we	we	PRON
fsr-3930	451	6	related	relate	VERB
fsr-3930	451	7	social	social	ADJ
fsr-3930	451	8	security	security	NOUN
fsr-3930	451	9	returns	return	NOUN
fsr-3930	451	10	to	to	ADP
fsr-3930	451	11	tips	tip	NOUN
fsr-3930	451	12	returns	return	NOUN
fsr-3930	451	13	.	.	PUNCT
fsr-3930	452	1	variance	variance	NOUN
fsr-3930	452	2	on	on	ADP
fsr-3930	452	3	social	social	ADJ
fsr-3930	452	4	security	security	NOUN
fsr-3930	452	5	wealth	wealth	NOUN
fsr-3930	452	6	,	,	PUNCT
fsr-3930	452	7	like	like	ADP
fsr-3930	452	8	tips	tip	NOUN
fsr-3930	452	9	,	,	PUNCT
fsr-3930	452	10	is	be	AUX
fsr-3930	452	11	low	low	ADJ
fsr-3930	452	12	and	and	CCONJ
fsr-3930	452	13	reflects	reflect	VERB
fsr-3930	452	14	only	only	ADJ
fsr-3930	452	15	changes	change	NOUN
fsr-3930	452	16	in	in	ADP
fsr-3930	452	17	real	real	ADJ
fsr-3930	452	18	yields	yield	NOUN
fsr-3930	452	19	(	(	PUNCT
fsr-3930	452	20	but	but	CCONJ
fsr-3930	452	21	social	social	ADJ
fsr-3930	452	22	security	security	NOUN
fsr-3930	452	23	variance	variance	NOUN
fsr-3930	452	24	could	could	AUX
fsr-3930	452	25	be	be	AUX
fsr-3930	452	26	even	even	ADV
fsr-3930	452	27	lower	low	ADJ
fsr-3930	452	28	since	since	SCONJ
fsr-3930	452	29	it	it	PRON
fsr-3930	452	30	excludes	exclude	VERB
fsr-3930	452	31	tradinginduced	tradinginduce	VERB
fsr-3930	452	32	noise	noise	NOUN
fsr-3930	452	33	)	)	PUNCT
fsr-3930	452	34	.	.	PUNCT
fsr-3930	453	1	likewise	likewise	ADV
fsr-3930	453	2	,	,	PUNCT
fsr-3930	453	3	tips	tip	NOUN
fsr-3930	453	4	correlation	correlation	NOUN
fsr-3930	453	5	is	be	AUX
fsr-3930	453	6	a	a	DET
fsr-3930	453	7	reasonable	reasonable	ADJ
fsr-3930	453	8	guide	guide	NOUN
fsr-3930	453	9	to	to	ADP
fsr-3930	453	10	social	social	ADJ
fsr-3930	453	11	security	security	NOUN
fsr-3930	453	12	correlation	correlation	NOUN
fsr-3930	453	13	.	.	PUNCT
fsr-3930	454	1	social	social	ADJ
fsr-3930	454	2	security	security	NOUN
fsr-3930	454	3	has	have	VERB
fsr-3930	454	4	low	low	ADJ
fsr-3930	454	5	correlation	correlation	NOUN
fsr-3930	454	6	with	with	ADP
fsr-3930	454	7	bonds	bond	NOUN
fsr-3930	454	8	because	because	SCONJ
fsr-3930	454	9	of	of	ADP
fsr-3930	454	10	its	its	PRON
fsr-3930	454	11	opposite	opposite	ADJ
fsr-3930	454	12	relation	relation	NOUN
fsr-3930	454	13	to	to	ADP
fsr-3930	454	14	inflation	inflation	NOUN
fsr-3930	454	15	.	.	PUNCT
fsr-3930	455	1	for	for	ADP
fsr-3930	455	2	most	most	ADJ
fsr-3930	455	3	workers	worker	NOUN
fsr-3930	455	4	,	,	PUNCT
fsr-3930	455	5	social	social	ADJ
fsr-3930	455	6	security	security	NOUN
fsr-3930	455	7	wealth	wealth	NOUN
fsr-3930	455	8	is	be	AUX
fsr-3930	455	9	essentially	essentially	ADV
fsr-3930	455	10	unrelated	unrelated	ADJ
fsr-3930	455	11	to	to	ADP
fsr-3930	455	12	stock	stock	NOUN
fsr-3930	455	13	returns	return	NOUN
fsr-3930	455	14	;	;	PUNCT
fsr-3930	455	15	low	low	ADJ
fsr-3930	455	16	or	or	CCONJ
fsr-3930	455	17	negative	negative	ADJ
fsr-3930	455	18	correlations	correlation	NOUN
fsr-3930	455	19	for	for	ADP
fsr-3930	455	20	social	social	ADJ
fsr-3930	455	21	security	security	NOUN
fsr-3930	455	22	wealth	wealth	NOUN
fsr-3930	455	23	are	be	AUX
fsr-3930	455	24	appropriate	appropriate	ADJ
fsr-3930	455	25	.	.	PUNCT
fsr-3930	456	1	since	since	SCONJ
fsr-3930	456	2	social	social	ADJ
fsr-3930	456	3	security	security	NOUN
fsr-3930	456	4	behaves	behave	VERB
fsr-3930	456	5	much	much	ADJ
fsr-3930	456	6	like	like	ADP
fsr-3930	456	7	tips	tip	NOUN
fsr-3930	456	8	with	with	ADP
fsr-3930	456	9	respect	respect	NOUN
fsr-3930	456	10	to	to	ADP
fsr-3930	456	11	optimization	optimization	NOUN
fsr-3930	456	12	inputs	input	NOUN
fsr-3930	456	13	,	,	PUNCT
fsr-3930	456	14	social	social	ADJ
fsr-3930	456	15	security	security	NOUN
fsr-3930	456	16	wealth	wealth	NOUN
fsr-3930	456	17	will	will	AUX
fsr-3930	456	18	also	also	ADV
fsr-3930	456	19	table	table	VERB
fsr-3930	456	20	5	5	NUM
fsr-3930	456	21	implications	implication	NOUN
fsr-3930	456	22	of	of	ADP
fsr-3930	456	23	a	a	DET
fsr-3930	456	24	life	life	NOUN
fsr-3930	456	25	-	-	PUNCT
fsr-3930	456	26	cycle	cycle	NOUN
fsr-3930	456	27	mix	mix	NOUN
fsr-3930	456	28	in	in	ADP
fsr-3930	456	29	the	the	DET
fsr-3930	456	30	financial	financial	ADJ
fsr-3930	456	31	portfolio	portfolio	NOUN
fsr-3930	456	32	for	for	ADP
fsr-3930	456	33	the	the	DET
fsr-3930	456	34	expanded	expand	VERB
fsr-3930	456	35	portfolio	portfolio	NOUN
fsr-3930	456	36	demography	demography	NOUN
fsr-3930	456	37	perceived	perceive	VERB
fsr-3930	456	38	financial	financial	ADJ
fsr-3930	456	39	portfolio	portfolio	NOUN
fsr-3930	456	40	resultant	resultant	NOUN
fsr-3930	456	41	expanded	expand	VERB
fsr-3930	456	42	portfolio	portfolio	NOUN
fsr-3930	456	43	including	include	VERB
fsr-3930	456	44	social	social	ADJ
fsr-3930	456	45	security	security	NOUN
fsr-3930	456	46	wealth	wealth	NOUN
fsr-3930	456	47	5	5	NUM
fsr-3930	456	48	%	%	NOUN
fsr-3930	456	49	saver	saver	ADJ
fsr-3930	456	50	10	10	NUM
fsr-3930	456	51	%	%	NOUN
fsr-3930	456	52	saver	saver	ADJ
fsr-3930	456	53	15	15	NUM
fsr-3930	456	54	%	%	NOUN
fsr-3930	456	55	saver	saver	ADJ
fsr-3930	456	56	mnd	mnd	NOUN
fsr-3930	456	57	saver	saver	ADJ
fsr-3930	456	58	age	age	NOUN
fsr-3930	456	59	status	status	NOUN
fsr-3930	456	60	stocks	stock	NOUN
fsr-3930	456	61	bonds	bond	VERB
fsr-3930	456	62	stocks	stock	NOUN
fsr-3930	456	63	bonds	bond	VERB
fsr-3930	456	64	stocks	stock	NOUN
fsr-3930	456	65	bonds	bond	VERB
fsr-3930	456	66	stocks	stock	NOUN
fsr-3930	456	67	bonds	bond	VERB
fsr-3930	456	68	stocks	stock	NOUN
fsr-3930	456	69	bonds	bond	VERB
fsr-3930	456	70	30	30	NUM
fsr-3930	456	71	single	single	ADJ
fsr-3930	456	72	70	70	NUM
fsr-3930	456	73	%	%	NOUN
fsr-3930	456	74	30	30	NUM
fsr-3930	456	75	%	%	NOUN
fsr-3930	456	76	34	34	NUM
fsr-3930	456	77	%	%	NOUN
fsr-3930	456	78	66	66	NUM
fsr-3930	456	79	%	%	NOUN
fsr-3930	456	80	46	46	NUM
fsr-3930	456	81	%	%	NOUN
fsr-3930	456	82	54	54	NUM
fsr-3930	456	83	%	%	NOUN
fsr-3930	456	84	52	52	NUM
fsr-3930	456	85	%	%	NOUN
fsr-3930	456	86	48	48	NUM
fsr-3930	456	87	%	%	NOUN
fsr-3930	456	88	58	58	NUM
fsr-3930	456	89	%	%	NOUN
fsr-3930	456	90	42	42	NUM
fsr-3930	456	91	%	%	NOUN
fsr-3930	456	92	married	marry	VERB
fsr-3930	456	93	70	70	NUM
fsr-3930	456	94	%	%	NOUN
fsr-3930	456	95	30	30	NUM
fsr-3930	456	96	%	%	NOUN
fsr-3930	456	97	25	25	NUM
fsr-3930	456	98	%	%	NOUN
fsr-3930	456	99	75	75	NUM
fsr-3930	456	100	%	%	NOUN
fsr-3930	456	101	37	37	NUM
fsr-3930	456	102	%	%	NOUN
fsr-3930	456	103	63	63	NUM
fsr-3930	456	104	%	%	NOUN
fsr-3930	456	105	44	44	NUM
fsr-3930	456	106	%	%	NOUN
fsr-3930	456	107	56	56	NUM
fsr-3930	456	108	%	%	NOUN
fsr-3930	456	109	52	52	NUM
fsr-3930	456	110	%	%	NOUN
fsr-3930	456	111	48	48	NUM
fsr-3930	456	112	%	%	NOUN
fsr-3930	456	113	40	40	NUM
fsr-3930	456	114	single	single	ADJ
fsr-3930	456	115	60	60	NUM
fsr-3930	456	116	%	%	NOUN
fsr-3930	456	117	40	40	NUM
fsr-3930	456	118	%	%	NOUN
fsr-3930	456	119	36	36	NUM
fsr-3930	456	120	%	%	NOUN
fsr-3930	456	121	64	64	NUM
fsr-3930	456	122	%	%	NOUN
fsr-3930	456	123	45	45	NUM
fsr-3930	456	124	%	%	NOUN
fsr-3930	456	125	55	55	NUM
fsr-3930	456	126	%	%	NOUN
fsr-3930	456	127	49	49	NUM
fsr-3930	456	128	%	%	NOUN
fsr-3930	456	129	51	51	NUM
fsr-3930	456	130	%	%	NOUN
fsr-3930	456	131	49	49	NUM
fsr-3930	456	132	%	%	NOUN
fsr-3930	456	133	51	51	NUM
fsr-3930	456	134	%	%	NOUN
fsr-3930	456	135	married	marry	VERB
fsr-3930	456	136	60	60	NUM
fsr-3930	456	137	%	%	NOUN
fsr-3930	456	138	40	40	NUM
fsr-3930	456	139	%	%	NOUN
fsr-3930	456	140	28	28	NUM
fsr-3930	456	141	%	%	NOUN
fsr-3930	456	142	72	72	NUM
fsr-3930	456	143	%	%	NOUN
fsr-3930	456	144	38	38	NUM
fsr-3930	456	145	%	%	NOUN
fsr-3930	456	146	62	62	NUM
fsr-3930	456	147	%	%	NOUN
fsr-3930	456	148	44	44	NUM
fsr-3930	456	149	%	%	NOUN
fsr-3930	456	150	56	56	NUM
fsr-3930	456	151	%	%	NOUN
fsr-3930	456	152	43	43	NUM
fsr-3930	456	153	%	%	NOUN
fsr-3930	456	154	57	57	NUM
fsr-3930	456	155	%	%	NOUN
fsr-3930	456	156	50	50	NUM
fsr-3930	456	157	single	single	ADJ
fsr-3930	456	158	50	50	NUM
fsr-3930	456	159	%	%	NOUN
fsr-3930	456	160	50	50	NUM
fsr-3930	456	161	%	%	NOUN
fsr-3930	456	162	29	29	NUM
fsr-3930	456	163	%	%	NOUN
fsr-3930	456	164	71	71	NUM
fsr-3930	456	165	%	%	NOUN
fsr-3930	456	166	37	37	NUM
fsr-3930	456	167	%	%	NOUN
fsr-3930	456	168	63	63	NUM
fsr-3930	456	169	%	%	NOUN
fsr-3930	456	170	40	40	NUM
fsr-3930	456	171	%	%	NOUN
fsr-3930	456	172	60	60	NUM
fsr-3930	456	173	%	%	NOUN
fsr-3930	456	174	38	38	NUM
fsr-3930	456	175	%	%	NOUN
fsr-3930	456	176	62	62	NUM
fsr-3930	456	177	%	%	NOUN
fsr-3930	456	178	married	marry	VERB
fsr-3930	456	179	50	50	NUM
fsr-3930	456	180	%	%	NOUN
fsr-3930	456	181	50	50	NUM
fsr-3930	456	182	%	%	NOUN
fsr-3930	456	183	23	23	NUM
fsr-3930	456	184	%	%	NOUN
fsr-3930	456	185	77	77	NUM
fsr-3930	456	186	%	%	NOUN
fsr-3930	456	187	31	31	NUM
fsr-3930	456	188	%	%	NOUN
fsr-3930	456	189	69	69	NUM
fsr-3930	456	190	%	%	NOUN
fsr-3930	456	191	36	36	NUM
fsr-3930	456	192	%	%	NOUN
fsr-3930	456	193	64	64	NUM
fsr-3930	456	194	%	%	NOUN
fsr-3930	456	195	33	33	NUM
fsr-3930	456	196	%	%	NOUN
fsr-3930	456	197	67	67	NUM
fsr-3930	456	198	%	%	NOUN
fsr-3930	456	199	60	60	NUM
fsr-3930	456	200	single	single	ADJ
fsr-3930	456	201	40	40	NUM
fsr-3930	456	202	%	%	NOUN
fsr-3930	456	203	60	60	NUM
fsr-3930	456	204	%	%	NOUN
fsr-3930	456	205	22	22	NUM
fsr-3930	456	206	%	%	NOUN
fsr-3930	456	207	78	78	NUM
fsr-3930	456	208	%	%	NOUN
fsr-3930	456	209	29	29	NUM
fsr-3930	456	210	%	%	NOUN
fsr-3930	456	211	71	71	NUM
fsr-3930	456	212	%	%	NOUN
fsr-3930	456	213	32	32	NUM
fsr-3930	456	214	%	%	NOUN
fsr-3930	456	215	68	68	NUM
fsr-3930	456	216	%	%	NOUN
fsr-3930	456	217	29	29	NUM
fsr-3930	456	218	%	%	NOUN
fsr-3930	456	219	71	71	NUM
fsr-3930	456	220	%	%	NOUN
fsr-3930	456	221	married	marry	VERB
fsr-3930	456	222	40	40	NUM
fsr-3930	456	223	%	%	NOUN
fsr-3930	456	224	60	60	NUM
fsr-3930	456	225	%	%	NOUN
fsr-3930	456	226	17	17	NUM
fsr-3930	456	227	%	%	NOUN
fsr-3930	456	228	83	83	NUM
fsr-3930	456	229	%	%	NOUN
fsr-3930	456	230	24	24	NUM
fsr-3930	456	231	%	%	NOUN
fsr-3930	456	232	76	76	NUM
fsr-3930	456	233	%	%	NOUN
fsr-3930	456	234	28	28	NUM
fsr-3930	456	235	%	%	NOUN
fsr-3930	456	236	72	72	NUM
fsr-3930	456	237	%	%	NOUN
fsr-3930	456	238	24	24	NUM
fsr-3930	456	239	%	%	NOUN
fsr-3930	456	240	76	76	NUM
fsr-3930	456	241	%	%	NOUN
fsr-3930	456	242	62	62	NUM
fsr-3930	456	243	single	single	ADJ
fsr-3930	456	244	38	38	NUM
fsr-3930	456	245	%	%	NOUN
fsr-3930	456	246	62	62	NUM
fsr-3930	456	247	%	%	NOUN
fsr-3930	456	248	20	20	NUM
fsr-3930	456	249	%	%	NOUN
fsr-3930	456	250	80	80	NUM
fsr-3930	456	251	%	%	NOUN
fsr-3930	456	252	26	26	NUM
fsr-3930	456	253	%	%	NOUN
fsr-3930	456	254	74	74	NUM
fsr-3930	456	255	%	%	NOUN
fsr-3930	456	256	29	29	NUM
fsr-3930	456	257	%	%	NOUN
fsr-3930	456	258	71	71	NUM
fsr-3930	456	259	%	%	NOUN
fsr-3930	456	260	27	27	NUM
fsr-3930	456	261	%	%	NOUN
fsr-3930	456	262	73	73	NUM
fsr-3930	456	263	%	%	NOUN
fsr-3930	456	264	married	marry	VERB
fsr-3930	456	265	38	38	NUM
fsr-3930	456	266	%	%	NOUN
fsr-3930	456	267	62	62	NUM
fsr-3930	456	268	%	%	NOUN
fsr-3930	456	269	15	15	NUM
fsr-3930	456	270	%	%	NOUN
fsr-3930	456	271	85	85	NUM
fsr-3930	456	272	%	%	NOUN
fsr-3930	456	273	22	22	NUM
fsr-3930	456	274	%	%	NOUN
fsr-3930	456	275	78	78	NUM
fsr-3930	456	276	%	%	NOUN
fsr-3930	456	277	25	25	NUM
fsr-3930	456	278	%	%	NOUN
fsr-3930	456	279	75	75	NUM
fsr-3930	456	280	%	%	NOUN
fsr-3930	456	281	22	22	NUM
fsr-3930	456	282	%	%	NOUN
fsr-3930	456	283	78	78	NUM
fsr-3930	456	284	%	%	NOUN
fsr-3930	456	285	65	65	NUM
fsr-3930	456	286	single	single	ADJ
fsr-3930	456	287	35	35	NUM
fsr-3930	456	288	%	%	NOUN
fsr-3930	456	289	65	65	NUM
fsr-3930	456	290	%	%	NOUN
fsr-3930	456	291	17	17	NUM
fsr-3930	456	292	%	%	NOUN
fsr-3930	456	293	83	83	NUM
fsr-3930	456	294	%	%	NOUN
fsr-3930	456	295	23	23	NUM
fsr-3930	456	296	%	%	NOUN
fsr-3930	456	297	77	77	NUM
fsr-3930	456	298	%	%	NOUN
fsr-3930	456	299	26	26	NUM
fsr-3930	456	300	%	%	NOUN
fsr-3930	456	301	74	74	NUM
fsr-3930	456	302	%	%	NOUN
fsr-3930	456	303	24	24	NUM
fsr-3930	456	304	%	%	NOUN
fsr-3930	456	305	76	76	NUM
fsr-3930	456	306	%	%	NOUN
fsr-3930	456	307	married	marry	VERB
fsr-3930	456	308	35	35	NUM
fsr-3930	456	309	%	%	NOUN
fsr-3930	456	310	65	65	NUM
fsr-3930	456	311	%	%	NOUN
fsr-3930	456	312	13	13	NUM
fsr-3930	456	313	%	%	NOUN
fsr-3930	456	314	87	87	NUM
fsr-3930	456	315	%	%	NOUN
fsr-3930	456	316	19	19	NUM
fsr-3930	456	317	%	%	NOUN
fsr-3930	456	318	81	81	NUM
fsr-3930	456	319	%	%	NOUN
fsr-3930	456	320	22	22	NUM
fsr-3930	456	321	%	%	NOUN
fsr-3930	456	322	78	78	NUM
fsr-3930	456	323	%	%	NOUN
fsr-3930	456	324	20	20	NUM
fsr-3930	456	325	%	%	NOUN
fsr-3930	456	326	80	80	NUM
fsr-3930	456	327	%	%	NOUN
fsr-3930	456	328	70	70	NUM
fsr-3930	456	329	single	single	ADJ
fsr-3930	456	330	30	30	NUM
fsr-3930	456	331	%	%	NOUN
fsr-3930	456	332	70	70	NUM
fsr-3930	456	333	%	%	NOUN
fsr-3930	456	334	14	14	NUM
fsr-3930	456	335	%	%	NOUN
fsr-3930	456	336	86	86	NUM
fsr-3930	456	337	%	%	NOUN
fsr-3930	456	338	19	19	NUM
fsr-3930	456	339	%	%	NOUN
fsr-3930	456	340	81	81	NUM
fsr-3930	456	341	%	%	NOUN
fsr-3930	456	342	21	21	NUM
fsr-3930	456	343	%	%	NOUN
fsr-3930	456	344	79	79	NUM
fsr-3930	456	345	%	%	NOUN
fsr-3930	456	346	20	20	NUM
fsr-3930	456	347	%	%	NOUN
fsr-3930	456	348	80	80	NUM
fsr-3930	456	349	%	%	NOUN
fsr-3930	456	350	married	marry	VERB
fsr-3930	456	351	30	30	NUM
fsr-3930	456	352	%	%	NOUN
fsr-3930	456	353	70	70	NUM
fsr-3930	456	354	%	%	NOUN
fsr-3930	456	355	10	10	NUM
fsr-3930	456	356	%	%	NOUN
fsr-3930	456	357	90	90	NUM
fsr-3930	456	358	%	%	NOUN
fsr-3930	456	359	15	15	NUM
fsr-3930	456	360	%	%	NOUN
fsr-3930	456	361	85	85	NUM
fsr-3930	456	362	%	%	NOUN
fsr-3930	456	363	18	18	NUM
fsr-3930	456	364	%	%	NOUN
fsr-3930	456	365	82	82	NUM
fsr-3930	456	366	%	%	NOUN
fsr-3930	456	367	16	16	NUM
fsr-3930	456	368	%	%	NOUN
fsr-3930	456	369	84	84	NUM
fsr-3930	456	370	%	%	NOUN
fsr-3930	456	371	80	80	NUM
fsr-3930	456	372	single	single	ADJ
fsr-3930	456	373	20	20	NUM
fsr-3930	456	374	%	%	NOUN
fsr-3930	456	375	80	80	NUM
fsr-3930	456	376	%	%	NOUN
fsr-3930	456	377	8	8	NUM
fsr-3930	456	378	%	%	NOUN
fsr-3930	456	379	92	92	NUM
fsr-3930	456	380	%	%	NOUN
fsr-3930	456	381	12	12	NUM
fsr-3930	456	382	%	%	NOUN
fsr-3930	456	383	88	88	NUM
fsr-3930	456	384	%	%	NOUN
fsr-3930	456	385	13	13	NUM
fsr-3930	456	386	%	%	NOUN
fsr-3930	456	387	87	87	NUM
fsr-3930	456	388	%	%	NOUN
fsr-3930	456	389	13	13	NUM
fsr-3930	456	390	%	%	NOUN
fsr-3930	456	391	87	87	NUM
fsr-3930	456	392	%	%	NOUN
fsr-3930	456	393	married	marry	VERB
fsr-3930	456	394	20	20	NUM
fsr-3930	456	395	%	%	NOUN
fsr-3930	456	396	80	80	NUM
fsr-3930	456	397	%	%	NOUN
fsr-3930	456	398	6	6	NUM
fsr-3930	456	399	%	%	NOUN
fsr-3930	456	400	94	94	NUM
fsr-3930	456	401	%	%	NOUN
fsr-3930	456	402	9	9	NUM
fsr-3930	456	403	%	%	NOUN
fsr-3930	456	404	91	91	NUM
fsr-3930	456	405	%	%	NOUN
fsr-3930	456	406	11	11	NUM
fsr-3930	456	407	%	%	NOUN
fsr-3930	456	408	89	89	NUM
fsr-3930	456	409	%	%	NOUN
fsr-3930	456	410	10	10	NUM
fsr-3930	456	411	%	%	NOUN
fsr-3930	456	412	90	90	NUM
fsr-3930	456	413	%	%	NOUN
fsr-3930	456	414	expanded	expand	VERB
fsr-3930	456	415	portfolio	portfolio	NOUN
fsr-3930	456	416	stock	stock	NOUN
fsr-3930	456	417	/	/	SYM
fsr-3930	456	418	bond	bond	NOUN
fsr-3930	456	419	mix	mix	NOUN
fsr-3930	456	420	resulting	result	VERB
fsr-3930	456	421	from	from	ADP
fsr-3930	456	422	adding	add	VERB
fsr-3930	456	423	social	social	ADJ
fsr-3930	456	424	security	security	NOUN
fsr-3930	456	425	wealth	wealth	NOUN
fsr-3930	456	426	to	to	ADP
fsr-3930	456	427	a	a	DET
fsr-3930	456	428	financial	financial	ADJ
fsr-3930	456	429	portfolio	portfolio	NOUN
fsr-3930	456	430	with	with	ADP
fsr-3930	456	431	a	a	DET
fsr-3930	456	432	life	life	NOUN
fsr-3930	456	433	-	-	PUNCT
fsr-3930	456	434	cycle	cycle	NOUN
fsr-3930	456	435	asset	asset	NOUN
fsr-3930	456	436	allocation	allocation	NOUN
fsr-3930	456	437	.	.	PUNCT
fsr-3930	457	1	the	the	DET
fsr-3930	457	2	life	life	NOUN
fsr-3930	457	3	-	-	PUNCT
fsr-3930	457	4	cycle	cycle	NOUN
fsr-3930	457	5	mix	mix	NOUN
fsr-3930	457	6	invests	invest	VERB
fsr-3930	457	7	a	a	DET
fsr-3930	457	8	percentage	percentage	NOUN
fsr-3930	457	9	of	of	ADP
fsr-3930	457	10	the	the	DET
fsr-3930	457	11	portfolio	portfolio	NOUN
fsr-3930	457	12	in	in	ADP
fsr-3930	457	13	bonds	bond	NOUN
fsr-3930	457	14	equal	equal	ADJ
fsr-3930	457	15	to	to	ADP
fsr-3930	457	16	the	the	DET
fsr-3930	457	17	investor	investor	NOUN
fsr-3930	457	18	’s	’s	PART
fsr-3930	457	19	age	age	NOUN
fsr-3930	457	20	.	.	PUNCT
fsr-3930	458	1	social	social	ADJ
fsr-3930	458	2	security	security	NOUN
fsr-3930	458	3	wealth	wealth	NOUN
fsr-3930	458	4	is	be	AUX
fsr-3930	458	5	treated	treat	VERB
fsr-3930	458	6	as	as	ADP
fsr-3930	458	7	a	a	DET
fsr-3930	458	8	bond	bond	NOUN
fsr-3930	458	9	and	and	CCONJ
fsr-3930	458	10	uses	use	VERB
fsr-3930	458	11	values	value	NOUN
fsr-3930	458	12	from	from	ADP
fsr-3930	458	13	table	table	NOUN
fsr-3930	458	14	1	1	NUM
fsr-3930	458	15	computed	compute	VERB
fsr-3930	458	16	using	use	VERB
fsr-3930	458	17	real	real	ADJ
fsr-3930	458	18	tips	tip	NOUN
fsr-3930	458	19	yields	yield	NOUN
fsr-3930	458	20	for	for	ADP
fsr-3930	458	21	a	a	DET
fsr-3930	458	22	high	high	ADV
fsr-3930	458	23	-	-	PUNCT
fsr-3930	458	24	earning	earn	VERB
fsr-3930	458	25	worker	worker	NOUN
fsr-3930	458	26	.	.	PUNCT
fsr-3930	459	1	savings	saving	NOUN
fsr-3930	459	2	rates	rate	NOUN
fsr-3930	459	3	are	be	AUX
fsr-3930	459	4	applied	apply	VERB
fsr-3930	459	5	over	over	ADP
fsr-3930	459	6	a	a	DET
fsr-3930	459	7	working	work	VERB
fsr-3930	459	8	lifetime	lifetime	NOUN
fsr-3930	459	9	to	to	PART
fsr-3930	459	10	create	create	VERB
fsr-3930	459	11	financial	financial	ADJ
fsr-3930	459	12	portfolio	portfolio	NOUN
fsr-3930	459	13	values	value	NOUN
fsr-3930	459	14	;	;	PUNCT
fsr-3930	459	15	mnd	mnd	PROPN
fsr-3930	459	16	saver	saver	NOUN
fsr-3930	459	17	’s	’s	PART
fsr-3930	459	18	financial	financial	ADJ
fsr-3930	459	19	portfolios	portfolio	NOUN
fsr-3930	459	20	are	be	AUX
fsr-3930	459	21	computed	compute	VERB
fsr-3930	459	22	for	for	ADP
fsr-3930	459	23	“	"	PUNCT
fsr-3930	459	24	prodigious	prodigious	ADJ
fsr-3930	459	25	accumulator[s	accumulator[s	NOUN
fsr-3930	459	26	]	]	PUNCT
fsr-3930	459	27	of	of	ADP
fsr-3930	459	28	wealth	wealth	NOUN
fsr-3930	459	29	”	"	PUNCT
fsr-3930	459	30	per	per	ADP
fsr-3930	459	31	stanley	stanley	NOUN
fsr-3930	459	32	and	and	CCONJ
fsr-3930	459	33	danko	danko	PROPN
fsr-3930	459	34	(	(	PUNCT
fsr-3930	459	35	1996	1996	NUM
fsr-3930	459	36	)	)	PUNCT
fsr-3930	459	37	.	.	PUNCT
fsr-3930	460	1	313s.p	313s.p	X
fsr-3930	460	2	.	.	PUNCT
fsr-3930	461	1	fraser	fraser	PROPN
fsr-3930	461	2	et	et	PROPN
fsr-3930	461	3	al	al	PROPN
fsr-3930	461	4	.	.	PUNCT
fsr-3930	461	5	/	/	SYM
fsr-3930	461	6	financial	financial	ADJ
fsr-3930	461	7	services	service	NOUN
fsr-3930	461	8	review	review	VERB
fsr-3930	461	9	9	9	NUM
fsr-3930	461	10	(	(	PUNCT
fsr-3930	461	11	2000	2000	NUM
fsr-3930	461	12	)	)	PUNCT
fsr-3930	462	1	295–326	295–326	NUM
fsr-3930	462	2	enhance	enhance	VERB
fsr-3930	462	3	portfolio	portfolio	NOUN
fsr-3930	462	4	efficiency	efficiency	NOUN
fsr-3930	462	5	and	and	CCONJ
fsr-3930	462	6	be	be	AUX
fsr-3930	462	7	part	part	NOUN
fsr-3930	462	8	of	of	ADP
fsr-3930	462	9	optimal	optimal	ADJ
fsr-3930	462	10	portfolios	portfolio	NOUN
fsr-3930	462	11	.	.	PUNCT
fsr-3930	463	1	see	see	VERB
fsr-3930	463	2	bajtelsmit	bajtelsmit	NOUN
fsr-3930	463	3	and	and	CCONJ
fsr-3930	463	4	turner	turner	NOUN
fsr-3930	463	5	(	(	PUNCT
fsr-3930	463	6	1998	1998	NUM
fsr-3930	463	7	)	)	PUNCT
fsr-3930	463	8	.	.	PUNCT
fsr-3930	464	1	in	in	ADP
fsr-3930	464	2	tables	table	NOUN
fsr-3930	464	3	9	9	NUM
fsr-3930	464	4	and	and	CCONJ
fsr-3930	464	5	10	10	NUM
fsr-3930	464	6	,	,	PUNCT
fsr-3930	464	7	we	we	PRON
fsr-3930	464	8	demonstrate	demonstrate	VERB
fsr-3930	464	9	a	a	DET
fsr-3930	464	10	particular	particular	ADJ
fsr-3930	464	11	implementation	implementation	NOUN
fsr-3930	464	12	of	of	ADP
fsr-3930	464	13	mean	mean	ADJ
fsr-3930	464	14	-	-	PUNCT
fsr-3930	464	15	variance	variance	NOUN
fsr-3930	464	16	optimization	optimization	NOUN
fsr-3930	464	17	(	(	PUNCT
fsr-3930	464	18	mvo	mvo	PROPN
fsr-3930	464	19	)	)	PUNCT
fsr-3930	464	20	with	with	ADP
fsr-3930	464	21	social	social	ADJ
fsr-3930	464	22	security	security	NOUN
fsr-3930	464	23	.	.	PUNCT
fsr-3930	465	1	tables	table	NOUN
fsr-3930	465	2	3	3	NUM
fsr-3930	465	3	through	through	ADP
fsr-3930	465	4	8	8	NUM
fsr-3930	465	5	(	(	PUNCT
fsr-3930	465	6	which	which	PRON
fsr-3930	465	7	relate	relate	VERB
fsr-3930	465	8	to	to	ADP
fsr-3930	465	9	the	the	DET
fsr-3930	465	10	other	other	ADJ
fsr-3930	465	11	three	three	NUM
fsr-3930	465	12	asset	asset	NOUN
fsr-3930	465	13	-	-	PUNCT
fsr-3930	465	14	mix	mix	NOUN
fsr-3930	465	15	decision	decision	NOUN
fsr-3930	465	16	rules	rule	NOUN
fsr-3930	465	17	)	)	PUNCT
fsr-3930	465	18	vary	vary	VERB
fsr-3930	465	19	in	in	ADP
fsr-3930	465	20	three	three	NUM
fsr-3930	465	21	dimensions	dimension	NOUN
fsr-3930	465	22	—	—	PUNCT
fsr-3930	465	23	age	age	NOUN
fsr-3930	465	24	,	,	PUNCT
fsr-3930	465	25	savings	saving	NOUN
fsr-3930	465	26	rates	rate	NOUN
fsr-3930	465	27	and	and	CCONJ
fsr-3930	465	28	marital	marital	ADJ
fsr-3930	465	29	status	status	NOUN
fsr-3930	465	30	.	.	PUNCT
fsr-3930	466	1	mvo	mvo	PROPN
fsr-3930	466	2	adds	add	VERB
fsr-3930	466	3	many	many	ADJ
fsr-3930	466	4	more	more	ADJ
fsr-3930	466	5	dimensions	dimension	NOUN
fsr-3930	466	6	of	of	ADP
fsr-3930	466	7	variability	variability	NOUN
fsr-3930	466	8	including	include	VERB
fsr-3930	466	9	risk	risk	NOUN
fsr-3930	466	10	aversion	aversion	NOUN
fsr-3930	466	11	,	,	PUNCT
fsr-3930	466	12	means	mean	NOUN
fsr-3930	466	13	,	,	PUNCT
fsr-3930	466	14	variances	variance	NOUN
fsr-3930	466	15	and	and	CCONJ
fsr-3930	466	16	correlations	correlation	NOUN
fsr-3930	466	17	.	.	PUNCT
fsr-3930	467	1	even	even	ADV
fsr-3930	467	2	a	a	DET
fsr-3930	467	3	small	small	ADJ
fsr-3930	467	4	-	-	PUNCT
fsr-3930	467	5	scale	scale	NOUN
fsr-3930	467	6	optimization	optimization	NOUN
fsr-3930	467	7	with	with	ADP
fsr-3930	467	8	three	three	NUM
fsr-3930	467	9	assets	asset	NOUN
fsr-3930	467	10	(	(	PUNCT
fsr-3930	467	11	bonds	bond	NOUN
fsr-3930	467	12	,	,	PUNCT
fsr-3930	467	13	stocks	stock	NOUN
fsr-3930	467	14	and	and	CCONJ
fsr-3930	467	15	social	social	ADJ
fsr-3930	467	16	security	security	NOUN
fsr-3930	467	17	wealth	wealth	NOUN
fsr-3930	467	18	)	)	PUNCT
fsr-3930	467	19	adds	add	VERB
fsr-3930	467	20	10	10	NUM
fsr-3930	467	21	degrees	degree	NOUN
fsr-3930	467	22	of	of	ADP
fsr-3930	467	23	freedom	freedom	NOUN
fsr-3930	467	24	(	(	PUNCT
fsr-3930	467	25	3	3	NUM
fsr-3930	467	26	expected	expect	VERB
fsr-3930	467	27	returns	return	NOUN
fsr-3930	467	28	,	,	PUNCT
fsr-3930	467	29	3	3	NUM
fsr-3930	467	30	standard	standard	ADJ
fsr-3930	467	31	deviations	deviation	NOUN
fsr-3930	467	32	,	,	PUNCT
fsr-3930	467	33	3	3	NUM
fsr-3930	467	34	correlations	correlation	NOUN
fsr-3930	467	35	and	and	CCONJ
fsr-3930	467	36	risk	risk	NOUN
fsr-3930	467	37	aversion	aversion	NOUN
fsr-3930	467	38	)	)	PUNCT
fsr-3930	467	39	.	.	PUNCT
fsr-3930	468	1	rather	rather	ADV
fsr-3930	468	2	than	than	SCONJ
fsr-3930	468	3	attempt	attempt	VERB
fsr-3930	468	4	to	to	PART
fsr-3930	468	5	build	build	VERB
fsr-3930	468	6	tables	table	NOUN
fsr-3930	468	7	comparable	comparable	ADJ
fsr-3930	468	8	to	to	ADP
fsr-3930	468	9	tables	table	NOUN
fsr-3930	468	10	3	3	NUM
fsr-3930	468	11	through	through	ADP
fsr-3930	468	12	8	8	NUM
fsr-3930	468	13	across	across	ADP
fsr-3930	468	14	13	13	NUM
fsr-3930	468	15	dimensions	dimension	NOUN
fsr-3930	468	16	,	,	PUNCT
fsr-3930	468	17	we	we	PRON
fsr-3930	468	18	illustrate	illustrate	VERB
fsr-3930	468	19	how	how	SCONJ
fsr-3930	468	20	social	social	ADJ
fsr-3930	468	21	security	security	NOUN
fsr-3930	468	22	wealth	wealth	NOUN
fsr-3930	468	23	affects	affect	VERB
fsr-3930	468	24	optimal	optimal	ADJ
fsr-3930	468	25	strategic	strategic	ADJ
fsr-3930	468	26	asset	asset	NOUN
fsr-3930	468	27	allocation	allocation	NOUN
fsr-3930	468	28	in	in	ADP
fsr-3930	468	29	a	a	DET
fsr-3930	468	30	scenario	scenario	NOUN
fsr-3930	468	31	and	and	CCONJ
fsr-3930	468	32	leave	leave	VERB
fsr-3930	468	33	it	it	PRON
fsr-3930	468	34	to	to	ADP
fsr-3930	468	35	the	the	DET
fsr-3930	468	36	reader	reader	NOUN
fsr-3930	468	37	to	to	PART
fsr-3930	468	38	conduct	conduct	VERB
fsr-3930	468	39	mvo	mvo	PROPN
fsr-3930	468	40	with	with	ADP
fsr-3930	468	41	inputs	input	NOUN
fsr-3930	468	42	aligned	align	VERB
fsr-3930	468	43	with	with	ADP
fsr-3930	468	44	their	their	PRON
fsr-3930	468	45	beliefs	belief	NOUN
fsr-3930	468	46	.	.	PUNCT
fsr-3930	469	1	we	we	PRON
fsr-3930	469	2	first	first	ADV
fsr-3930	469	3	compute	compute	VERB
fsr-3930	469	4	the	the	DET
fsr-3930	469	5	mvo	mvo	PROPN
fsr-3930	469	6	frontier	frontier	NOUN
fsr-3930	469	7	with	with	ADP
fsr-3930	469	8	two	two	NUM
fsr-3930	469	9	assets	asset	NOUN
fsr-3930	469	10	—	—	PUNCT
fsr-3930	469	11	stocks	stock	NOUN
fsr-3930	469	12	and	and	CCONJ
fsr-3930	469	13	bonds	bond	NOUN
fsr-3930	469	14	.	.	PUNCT
fsr-3930	470	1	we	we	PRON
fsr-3930	470	2	use	use	VERB
fsr-3930	470	3	expected	expect	VERB
fsr-3930	470	4	returns	return	NOUN
fsr-3930	470	5	of	of	ADP
fsr-3930	470	6	10.5	10.5	NUM
fsr-3930	470	7	%	%	NOUN
fsr-3930	470	8	and	and	CCONJ
fsr-3930	470	9	6.5	6.5	NUM
fsr-3930	470	10	%	%	NOUN
fsr-3930	470	11	,	,	PUNCT
fsr-3930	470	12	respectively	respectively	ADV
fsr-3930	470	13	.	.	PUNCT
fsr-3930	471	1	the	the	DET
fsr-3930	471	2	less	less	ADJ
fsr-3930	471	3	-	-	PUNCT
fsr-3930	471	4	than	than	ADP
fsr-3930	471	5	-	-	PUNCT
fsr-3930	471	6	historical	historical	ADJ
fsr-3930	471	7	equity	equity	NOUN
fsr-3930	471	8	risk	risk	NOUN
fsr-3930	471	9	premium	premium	NOUN
fsr-3930	471	10	is	be	AUX
fsr-3930	471	11	conservative	conservative	ADJ
fsr-3930	471	12	(	(	PUNCT
fsr-3930	471	13	cornell	cornell	PROPN
fsr-3930	471	14	,	,	PUNCT
fsr-3930	471	15	1999	1999	NUM
fsr-3930	471	16	)	)	PUNCT
fsr-3930	471	17	.	.	PUNCT
fsr-3930	472	1	we	we	PRON
fsr-3930	472	2	use	use	VERB
fsr-3930	472	3	a	a	DET
fsr-3930	472	4	0.6	0.6	NUM
fsr-3930	472	5	correlation	correlation	NOUN
fsr-3930	472	6	between	between	ADP
fsr-3930	472	7	stocks	stock	NOUN
fsr-3930	472	8	and	and	CCONJ
fsr-3930	472	9	bonds	bond	NOUN
fsr-3930	472	10	and	and	CCONJ
fsr-3930	472	11	standard	standard	ADJ
fsr-3930	472	12	deviations	deviation	NOUN
fsr-3930	472	13	of	of	ADP
fsr-3930	472	14	20	20	NUM
fsr-3930	472	15	%	%	NOUN
fsr-3930	472	16	and	and	CCONJ
fsr-3930	472	17	9	9	NUM
fsr-3930	472	18	%	%	NOUN
fsr-3930	472	19	,	,	PUNCT
fsr-3930	472	20	respectively	respectively	ADV
fsr-3930	472	21	.	.	PUNCT
fsr-3930	473	1	from	from	ADP
fsr-3930	473	2	this	this	DET
fsr-3930	473	3	two	two	NUM
fsr-3930	473	4	-	-	PUNCT
fsr-3930	473	5	asset	asset	NOUN
fsr-3930	473	6	frontier	frontier	NOUN
fsr-3930	473	7	,	,	PUNCT
fsr-3930	473	8	we	we	PRON
fsr-3930	473	9	impute	impute	VERB
fsr-3930	473	10	table	table	NOUN
fsr-3930	473	11	6	6	NUM
fsr-3930	473	12	implications	implication	NOUN
fsr-3930	473	13	of	of	ADP
fsr-3930	473	14	a	a	DET
fsr-3930	473	15	life	life	NOUN
fsr-3930	473	16	-	-	PUNCT
fsr-3930	473	17	cycle	cycle	NOUN
fsr-3930	473	18	mix	mix	NOUN
fsr-3930	473	19	in	in	ADP
fsr-3930	473	20	the	the	DET
fsr-3930	473	21	expanded	expand	VERB
fsr-3930	473	22	portfolio	portfolio	NOUN
fsr-3930	473	23	for	for	ADP
fsr-3930	473	24	the	the	DET
fsr-3930	473	25	financial	financial	ADJ
fsr-3930	473	26	portfolio	portfolio	NOUN
fsr-3930	473	27	demography	demography	NOUN
fsr-3930	473	28	desired	desire	VERB
fsr-3930	473	29	expanded	expand	VERB
fsr-3930	473	30	portfolio	portfolio	NOUN
fsr-3930	473	31	required	require	VERB
fsr-3930	473	32	financial	financial	ADJ
fsr-3930	473	33	portfolio	portfolio	NOUN
fsr-3930	473	34	5	5	NUM
fsr-3930	473	35	%	%	NOUN
fsr-3930	473	36	saver	saver	ADJ
fsr-3930	473	37	10	10	NUM
fsr-3930	473	38	%	%	NOUN
fsr-3930	473	39	saver	saver	ADJ
fsr-3930	473	40	15	15	NUM
fsr-3930	473	41	%	%	NOUN
fsr-3930	473	42	saver	saver	ADJ
fsr-3930	473	43	mnd	mnd	NOUN
fsr-3930	473	44	saver	saver	ADJ
fsr-3930	473	45	age	age	NOUN
fsr-3930	473	46	status	status	NOUN
fsr-3930	473	47	stocks	stock	NOUN
fsr-3930	473	48	bonds	bond	VERB
fsr-3930	473	49	stocks	stock	NOUN
fsr-3930	473	50	bonds	bond	VERB
fsr-3930	473	51	stocks	stock	NOUN
fsr-3930	473	52	bonds	bond	VERB
fsr-3930	473	53	stocks	stock	NOUN
fsr-3930	473	54	bonds	bond	VERB
fsr-3930	473	55	stocks	stock	NOUN
fsr-3930	473	56	bonds	bond	VERB
fsr-3930	473	57	30	30	NUM
fsr-3930	473	58	single	single	ADJ
fsr-3930	473	59	70	70	NUM
fsr-3930	473	60	%	%	NOUN
fsr-3930	473	61	30	30	NUM
fsr-3930	473	62	%	%	NOUN
fsr-3930	473	63	142	142	NUM
fsr-3930	473	64	%	%	NOUN
fsr-3930	473	65	�	�	NOUN
fsr-3930	473	66	42	42	NUM
fsr-3930	473	67	%	%	NOUN
fsr-3930	473	68	106	106	NUM
fsr-3930	473	69	%	%	NOUN
fsr-3930	473	70	�	�	NOUN
fsr-3930	473	71	6	6	NUM
fsr-3930	473	72	%	%	NOUN
fsr-3930	473	73	94	94	NUM
fsr-3930	473	74	%	%	NOUN
fsr-3930	473	75	6	6	NUM
fsr-3930	473	76	%	%	NOUN
fsr-3930	473	77	85	85	NUM
fsr-3930	473	78	%	%	NOUN
fsr-3930	473	79	15	15	NUM
fsr-3930	473	80	%	%	NOUN
fsr-3930	473	81	married	married	ADJ
fsr-3930	473	82	70	70	NUM
fsr-3930	473	83	%	%	NOUN
fsr-3930	473	84	30	30	NUM
fsr-3930	473	85	%	%	NOUN
fsr-3930	473	86	192	192	NUM
fsr-3930	473	87	%	%	NOUN
fsr-3930	473	88	�	�	NOUN
fsr-3930	473	89	92	92	NUM
fsr-3930	473	90	%	%	NOUN
fsr-3930	473	91	131	131	NUM
fsr-3930	473	92	%	%	NOUN
fsr-3930	473	93	�	�	PROPN
fsr-3930	473	94	31	31	NUM
fsr-3930	473	95	%	%	NOUN
fsr-3930	473	96	111	111	NUM
fsr-3930	473	97	%	%	NOUN
fsr-3930	473	98	�	�	NOUN
fsr-3930	473	99	11	11	NUM
fsr-3930	473	100	%	%	NOUN
fsr-3930	473	101	95	95	NUM
fsr-3930	473	102	%	%	NOUN
fsr-3930	473	103	5	5	NUM
fsr-3930	473	104	%	%	NOUN
fsr-3930	473	105	40	40	NUM
fsr-3930	473	106	single	single	ADJ
fsr-3930	473	107	60	60	NUM
fsr-3930	473	108	%	%	NOUN
fsr-3930	473	109	40	40	NUM
fsr-3930	473	110	%	%	NOUN
fsr-3930	473	111	100	100	NUM
fsr-3930	473	112	%	%	NOUN
fsr-3930	473	113	0	0	NUM
fsr-3930	473	114	%	%	NOUN
fsr-3930	473	115	80	80	NUM
fsr-3930	473	116	%	%	NOUN
fsr-3930	473	117	20	20	NUM
fsr-3930	473	118	%	%	NOUN
fsr-3930	473	119	73	73	NUM
fsr-3930	473	120	%	%	NOUN
fsr-3930	473	121	27	27	NUM
fsr-3930	473	122	%	%	NOUN
fsr-3930	473	123	74	74	NUM
fsr-3930	473	124	%	%	NOUN
fsr-3930	473	125	26	26	NUM
fsr-3930	473	126	%	%	NOUN
fsr-3930	473	127	married	marry	VERB
fsr-3930	473	128	60	60	NUM
fsr-3930	473	129	%	%	NOUN
fsr-3930	473	130	40	40	NUM
fsr-3930	473	131	%	%	NOUN
fsr-3930	473	132	128	128	NUM
fsr-3930	473	133	%	%	NOUN
fsr-3930	473	134	�	�	NOUN
fsr-3930	473	135	28	28	NUM
fsr-3930	473	136	%	%	NOUN
fsr-3930	473	137	94	94	NUM
fsr-3930	473	138	%	%	NOUN
fsr-3930	473	139	6	6	NUM
fsr-3930	473	140	%	%	NOUN
fsr-3930	473	141	83	83	NUM
fsr-3930	473	142	%	%	NOUN
fsr-3930	473	143	17	17	NUM
fsr-3930	473	144	%	%	NOUN
fsr-3930	473	145	83	83	NUM
fsr-3930	473	146	%	%	NOUN
fsr-3930	473	147	17	17	NUM
fsr-3930	473	148	%	%	NOUN
fsr-3930	473	149	50	50	NUM
fsr-3930	473	150	single	single	ADJ
fsr-3930	473	151	50	50	NUM
fsr-3930	473	152	%	%	NOUN
fsr-3930	473	153	50	50	NUM
fsr-3930	473	154	%	%	NOUN
fsr-3930	473	155	85	85	NUM
fsr-3930	473	156	%	%	NOUN
fsr-3930	473	157	15	15	NUM
fsr-3930	473	158	%	%	NOUN
fsr-3930	473	159	68	68	NUM
fsr-3930	473	160	%	%	NOUN
fsr-3930	473	161	32	32	NUM
fsr-3930	473	162	%	%	NOUN
fsr-3930	473	163	62	62	NUM
fsr-3930	473	164	%	%	NOUN
fsr-3930	473	165	38	38	NUM
fsr-3930	473	166	%	%	NOUN
fsr-3930	473	167	65	65	NUM
fsr-3930	473	168	%	%	NOUN
fsr-3930	473	169	35	35	NUM
fsr-3930	473	170	%	%	NOUN
fsr-3930	473	171	married	marry	VERB
fsr-3930	473	172	50	50	NUM
fsr-3930	473	173	%	%	NOUN
fsr-3930	473	174	50	50	NUM
fsr-3930	473	175	%	%	NOUN
fsr-3930	473	176	109	109	NUM
fsr-3930	473	177	%	%	NOUN
fsr-3930	473	178	�	�	NOUN
fsr-3930	473	179	9	9	NUM
fsr-3930	473	180	%	%	NOUN
fsr-3930	473	181	79	79	NUM
fsr-3930	473	182	%	%	NOUN
fsr-3930	473	183	21	21	NUM
fsr-3930	473	184	%	%	NOUN
fsr-3930	473	185	70	70	NUM
fsr-3930	473	186	%	%	NOUN
fsr-3930	473	187	30	30	NUM
fsr-3930	473	188	%	%	NOUN
fsr-3930	473	189	75	75	NUM
fsr-3930	473	190	%	%	NOUN
fsr-3930	473	191	25	25	NUM
fsr-3930	473	192	%	%	NOUN
fsr-3930	473	193	60	60	NUM
fsr-3930	473	194	single	single	ADJ
fsr-3930	473	195	40	40	NUM
fsr-3930	473	196	%	%	NOUN
fsr-3930	473	197	60	60	NUM
fsr-3930	473	198	%	%	NOUN
fsr-3930	473	199	72	72	NUM
fsr-3930	473	200	%	%	NOUN
fsr-3930	473	201	28	28	NUM
fsr-3930	473	202	%	%	NOUN
fsr-3930	473	203	56	56	NUM
fsr-3930	473	204	%	%	NOUN
fsr-3930	473	205	44	44	NUM
fsr-3930	473	206	%	%	NOUN
fsr-3930	473	207	51	51	NUM
fsr-3930	473	208	%	%	NOUN
fsr-3930	473	209	49	49	NUM
fsr-3930	473	210	%	%	NOUN
fsr-3930	473	211	56	56	NUM
fsr-3930	473	212	%	%	NOUN
fsr-3930	473	213	44	44	NUM
fsr-3930	473	214	%	%	NOUN
fsr-3930	473	215	married	marry	VERB
fsr-3930	473	216	40	40	NUM
fsr-3930	473	217	%	%	NOUN
fsr-3930	474	1	60	60	NUM
fsr-3930	474	2	%	%	NOUN
fsr-3930	474	3	93	93	NUM
fsr-3930	474	4	%	%	NOUN
fsr-3930	474	5	7	7	NUM
fsr-3930	474	6	%	%	NOUN
fsr-3930	474	7	66	66	NUM
fsr-3930	474	8	%	%	NOUN
fsr-3930	474	9	34	34	NUM
fsr-3930	474	10	%	%	NOUN
fsr-3930	474	11	58	58	NUM
fsr-3930	474	12	%	%	NOUN
fsr-3930	474	13	42	42	NUM
fsr-3930	474	14	%	%	NOUN
fsr-3930	474	15	66	66	NUM
fsr-3930	474	16	%	%	NOUN
fsr-3930	474	17	34	34	NUM
fsr-3930	474	18	%	%	NOUN
fsr-3930	474	19	62	62	NUM
fsr-3930	474	20	single	single	ADJ
fsr-3930	474	21	38	38	NUM
fsr-3930	474	22	%	%	NOUN
fsr-3930	474	23	62	62	NUM
fsr-3930	474	24	%	%	NOUN
fsr-3930	474	25	73	73	NUM
fsr-3930	474	26	%	%	NOUN
fsr-3930	474	27	27	27	NUM
fsr-3930	474	28	%	%	NOUN
fsr-3930	474	29	55	55	NUM
fsr-3930	474	30	%	%	NOUN
fsr-3930	474	31	45	45	NUM
fsr-3930	474	32	%	%	NOUN
fsr-3930	474	33	50	50	NUM
fsr-3930	474	34	%	%	NOUN
fsr-3930	474	35	50	50	NUM
fsr-3930	474	36	%	%	NOUN
fsr-3930	474	37	54	54	NUM
fsr-3930	474	38	%	%	NOUN
fsr-3930	474	39	46	46	NUM
fsr-3930	474	40	%	%	NOUN
fsr-3930	474	41	married	marry	VERB
fsr-3930	474	42	38	38	NUM
fsr-3930	474	43	%	%	NOUN
fsr-3930	474	44	62	62	NUM
fsr-3930	474	45	%	%	NOUN
fsr-3930	474	46	95	95	NUM
fsr-3930	474	47	%	%	NOUN
fsr-3930	474	48	5	5	NUM
fsr-3930	474	49	%	%	NOUN
fsr-3930	474	50	66	66	NUM
fsr-3930	474	51	%	%	NOUN
fsr-3930	474	52	34	34	NUM
fsr-3930	474	53	%	%	NOUN
fsr-3930	474	54	57	57	NUM
fsr-3930	474	55	%	%	NOUN
fsr-3930	474	56	43	43	NUM
fsr-3930	474	57	%	%	NOUN
fsr-3930	474	58	65	65	NUM
fsr-3930	474	59	%	%	NOUN
fsr-3930	474	60	35	35	NUM
fsr-3930	474	61	%	%	NOUN
fsr-3930	474	62	65	65	NUM
fsr-3930	474	63	single	single	ADJ
fsr-3930	474	64	35	35	NUM
fsr-3930	474	65	%	%	NOUN
fsr-3930	474	66	65	65	NUM
fsr-3930	474	67	%	%	NOUN
fsr-3930	474	68	71	71	NUM
fsr-3930	474	69	%	%	NOUN
fsr-3930	474	70	29	29	NUM
fsr-3930	474	71	%	%	NOUN
fsr-3930	474	72	53	53	NUM
fsr-3930	474	73	%	%	NOUN
fsr-3930	474	74	47	47	NUM
fsr-3930	474	75	%	%	NOUN
fsr-3930	474	76	47	47	NUM
fsr-3930	474	77	%	%	NOUN
fsr-3930	474	78	53	53	NUM
fsr-3930	474	79	%	%	NOUN
fsr-3930	474	80	51	51	NUM
fsr-3930	474	81	%	%	NOUN
fsr-3930	474	82	49	49	NUM
fsr-3930	474	83	%	%	NOUN
fsr-3930	474	84	married	marry	VERB
fsr-3930	474	85	35	35	NUM
fsr-3930	474	86	%	%	NOUN
fsr-3930	474	87	65	65	NUM
fsr-3930	474	88	%	%	NOUN
fsr-3930	474	89	96	96	NUM
fsr-3930	474	90	%	%	NOUN
fsr-3930	474	91	4	4	NUM
fsr-3930	474	92	%	%	NOUN
fsr-3930	474	93	65	65	NUM
fsr-3930	474	94	%	%	NOUN
fsr-3930	474	95	35	35	NUM
fsr-3930	474	96	%	%	NOUN
fsr-3930	474	97	55	55	NUM
fsr-3930	474	98	%	%	NOUN
fsr-3930	474	99	45	45	NUM
fsr-3930	474	100	%	%	NOUN
fsr-3930	474	101	62	62	NUM
fsr-3930	474	102	%	%	NOUN
fsr-3930	474	103	38	38	NUM
fsr-3930	474	104	%	%	NOUN
fsr-3930	474	105	70	70	NUM
fsr-3930	474	106	single	single	ADJ
fsr-3930	474	107	30	30	NUM
fsr-3930	474	108	%	%	NOUN
fsr-3930	474	109	70	70	NUM
fsr-3930	474	110	%	%	NOUN
fsr-3930	474	111	66	66	NUM
fsr-3930	474	112	%	%	NOUN
fsr-3930	474	113	34	34	NUM
fsr-3930	474	114	%	%	NOUN
fsr-3930	474	115	48	48	NUM
fsr-3930	474	116	%	%	NOUN
fsr-3930	474	117	52	52	NUM
fsr-3930	474	118	%	%	NOUN
fsr-3930	474	119	42	42	NUM
fsr-3930	474	120	%	%	NOUN
fsr-3930	474	121	58	58	NUM
fsr-3930	474	122	%	%	NOUN
fsr-3930	474	123	45	45	NUM
fsr-3930	474	124	%	%	NOUN
fsr-3930	474	125	55	55	NUM
fsr-3930	474	126	%	%	NOUN
fsr-3930	474	127	married	marry	VERB
fsr-3930	474	128	30	30	NUM
fsr-3930	474	129	%	%	NOUN
fsr-3930	474	130	70	70	NUM
fsr-3930	474	131	%	%	NOUN
fsr-3930	474	132	90	90	NUM
fsr-3930	474	133	%	%	NOUN
fsr-3930	474	134	10	10	NUM
fsr-3930	474	135	%	%	NOUN
fsr-3930	474	136	60	60	NUM
fsr-3930	474	137	%	%	NOUN
fsr-3930	474	138	40	40	NUM
fsr-3930	474	139	%	%	NOUN
fsr-3930	474	140	50	50	NUM
fsr-3930	474	141	%	%	NOUN
fsr-3930	474	142	50	50	NUM
fsr-3930	474	143	%	%	NOUN
fsr-3930	474	144	55	55	NUM
fsr-3930	474	145	%	%	NOUN
fsr-3930	474	146	45	45	NUM
fsr-3930	474	147	%	%	NOUN
fsr-3930	474	148	80	80	NUM
fsr-3930	474	149	single	single	ADJ
fsr-3930	474	150	20	20	NUM
fsr-3930	474	151	%	%	NOUN
fsr-3930	474	152	80	80	NUM
fsr-3930	474	153	%	%	NOUN
fsr-3930	474	154	49	49	NUM
fsr-3930	474	155	%	%	NOUN
fsr-3930	474	156	51	51	NUM
fsr-3930	474	157	%	%	NOUN
fsr-3930	474	158	35	35	NUM
fsr-3930	474	159	%	%	NOUN
fsr-3930	474	160	65	65	NUM
fsr-3930	474	161	%	%	NOUN
fsr-3930	474	162	30	30	NUM
fsr-3930	474	163	%	%	NOUN
fsr-3930	474	164	70	70	NUM
fsr-3930	474	165	%	%	NOUN
fsr-3930	474	166	32	32	NUM
fsr-3930	474	167	%	%	NOUN
fsr-3930	474	168	68	68	NUM
fsr-3930	474	169	%	%	NOUN
fsr-3930	474	170	married	married	ADJ
fsr-3930	474	171	20	20	NUM
fsr-3930	474	172	%	%	NOUN
fsr-3930	474	173	80	80	NUM
fsr-3930	474	174	%	%	NOUN
fsr-3930	474	175	72	72	NUM
fsr-3930	474	176	%	%	NOUN
fsr-3930	474	177	28	28	NUM
fsr-3930	474	178	%	%	NOUN
fsr-3930	474	179	46	46	NUM
fsr-3930	474	180	%	%	NOUN
fsr-3930	474	181	54	54	NUM
fsr-3930	474	182	%	%	NOUN
fsr-3930	474	183	37	37	NUM
fsr-3930	474	184	%	%	NOUN
fsr-3930	474	185	63	63	NUM
fsr-3930	474	186	%	%	NOUN
fsr-3930	474	187	41	41	NUM
fsr-3930	474	188	%	%	NOUN
fsr-3930	474	189	59	59	NUM
fsr-3930	474	190	%	%	NOUN
fsr-3930	474	191	required	require	VERB
fsr-3930	474	192	financial	financial	ADJ
fsr-3930	474	193	portfolio	portfolio	NOUN
fsr-3930	474	194	asset	asset	NOUN
fsr-3930	474	195	allocation	allocation	NOUN
fsr-3930	474	196	necessary	necessary	ADJ
fsr-3930	474	197	to	to	PART
fsr-3930	474	198	achieve	achieve	VERB
fsr-3930	474	199	a	a	DET
fsr-3930	474	200	life	life	NOUN
fsr-3930	474	201	-	-	PUNCT
fsr-3930	474	202	cycle	cycle	NOUN
fsr-3930	474	203	asset	asset	NOUN
fsr-3930	474	204	allocation	allocation	NOUN
fsr-3930	474	205	in	in	ADP
fsr-3930	474	206	the	the	DET
fsr-3930	474	207	expanded	expand	VERB
fsr-3930	474	208	portfolio	portfolio	NOUN
fsr-3930	474	209	,	,	PUNCT
fsr-3930	474	210	which	which	PRON
fsr-3930	474	211	includes	include	VERB
fsr-3930	474	212	social	social	ADJ
fsr-3930	474	213	security	security	NOUN
fsr-3930	474	214	wealth	wealth	NOUN
fsr-3930	474	215	.	.	PUNCT
fsr-3930	475	1	the	the	DET
fsr-3930	475	2	life	life	NOUN
fsr-3930	475	3	-	-	PUNCT
fsr-3930	475	4	cycle	cycle	NOUN
fsr-3930	475	5	mix	mix	NOUN
fsr-3930	475	6	invests	invest	VERB
fsr-3930	475	7	a	a	DET
fsr-3930	475	8	percentage	percentage	NOUN
fsr-3930	475	9	of	of	ADP
fsr-3930	475	10	the	the	DET
fsr-3930	475	11	portfolio	portfolio	NOUN
fsr-3930	475	12	in	in	ADP
fsr-3930	475	13	bonds	bond	NOUN
fsr-3930	475	14	equal	equal	ADJ
fsr-3930	475	15	to	to	ADP
fsr-3930	475	16	the	the	DET
fsr-3930	475	17	investor	investor	NOUN
fsr-3930	475	18	’s	’s	PART
fsr-3930	475	19	age	age	NOUN
fsr-3930	475	20	.	.	PUNCT
fsr-3930	476	1	social	social	ADJ
fsr-3930	476	2	security	security	NOUN
fsr-3930	476	3	wealth	wealth	NOUN
fsr-3930	476	4	is	be	AUX
fsr-3930	476	5	treated	treat	VERB
fsr-3930	476	6	as	as	ADP
fsr-3930	476	7	a	a	DET
fsr-3930	476	8	bond	bond	NOUN
fsr-3930	476	9	and	and	CCONJ
fsr-3930	476	10	uses	use	VERB
fsr-3930	476	11	values	value	NOUN
fsr-3930	476	12	from	from	ADP
fsr-3930	476	13	table	table	NOUN
fsr-3930	476	14	1	1	NUM
fsr-3930	476	15	computed	compute	VERB
fsr-3930	476	16	using	use	VERB
fsr-3930	476	17	real	real	ADJ
fsr-3930	476	18	tips	tip	NOUN
fsr-3930	476	19	yields	yield	NOUN
fsr-3930	476	20	for	for	ADP
fsr-3930	476	21	a	a	DET
fsr-3930	476	22	high	high	ADV
fsr-3930	476	23	-	-	PUNCT
fsr-3930	476	24	earning	earn	VERB
fsr-3930	476	25	worker	worker	NOUN
fsr-3930	476	26	.	.	PUNCT
fsr-3930	477	1	savings	saving	NOUN
fsr-3930	477	2	rates	rate	NOUN
fsr-3930	477	3	are	be	AUX
fsr-3930	477	4	applied	apply	VERB
fsr-3930	477	5	over	over	ADP
fsr-3930	477	6	a	a	DET
fsr-3930	477	7	working	work	VERB
fsr-3930	477	8	lifetime	lifetime	NOUN
fsr-3930	477	9	to	to	PART
fsr-3930	477	10	create	create	VERB
fsr-3930	477	11	financial	financial	ADJ
fsr-3930	477	12	portfolio	portfolio	NOUN
fsr-3930	477	13	values	value	NOUN
fsr-3930	477	14	;	;	PUNCT
fsr-3930	477	15	mnd	mnd	PROPN
fsr-3930	477	16	saver	saver	NOUN
fsr-3930	477	17	’s	’s	PART
fsr-3930	477	18	financial	financial	ADJ
fsr-3930	477	19	portfolios	portfolio	NOUN
fsr-3930	477	20	are	be	AUX
fsr-3930	477	21	computed	compute	VERB
fsr-3930	477	22	for	for	ADP
fsr-3930	477	23	“	"	PUNCT
fsr-3930	477	24	prodigious	prodigious	ADJ
fsr-3930	477	25	accumulator[s	accumulator[s	NOUN
fsr-3930	477	26	]	]	PUNCT
fsr-3930	477	27	of	of	ADP
fsr-3930	477	28	wealth	wealth	NOUN
fsr-3930	477	29	”	"	PUNCT
fsr-3930	477	30	per	per	ADP
fsr-3930	477	31	stanley	stanley	NOUN
fsr-3930	477	32	and	and	CCONJ
fsr-3930	477	33	danko	danko	PROPN
fsr-3930	477	34	(	(	PUNCT
fsr-3930	477	35	1996	1996	NUM
fsr-3930	477	36	)	)	PUNCT
fsr-3930	477	37	.	.	PUNCT
fsr-3930	478	1	stock	stock	NOUN
fsr-3930	478	2	positions	position	NOUN
fsr-3930	478	3	greater	great	ADJ
fsr-3930	478	4	than	than	ADP
fsr-3930	478	5	100	100	NUM
fsr-3930	478	6	%	%	NOUN
fsr-3930	478	7	are	be	AUX
fsr-3930	478	8	purchased	purchase	VERB
fsr-3930	478	9	on	on	ADP
fsr-3930	478	10	margin	margin	NOUN
fsr-3930	478	11	;	;	PUNCT
fsr-3930	478	12	negative	negative	ADJ
fsr-3930	478	13	bond	bond	NOUN
fsr-3930	478	14	positions	position	NOUN
fsr-3930	478	15	represent	represent	VERB
fsr-3930	478	16	margin	margin	NOUN
fsr-3930	478	17	borrowing	borrowing	NOUN
fsr-3930	478	18	.	.	PUNCT
fsr-3930	479	1	314	314	NUM
fsr-3930	479	2	s.p	s.p	PROPN
fsr-3930	479	3	.	.	PROPN
fsr-3930	479	4	fraser	fraser	PROPN
fsr-3930	479	5	et	et	PROPN
fsr-3930	479	6	al	al	PROPN
fsr-3930	479	7	.	.	PUNCT
fsr-3930	479	8	/	/	SYM
fsr-3930	479	9	financial	financial	ADJ
fsr-3930	479	10	services	service	NOUN
fsr-3930	479	11	review	review	VERB
fsr-3930	479	12	9	9	NUM
fsr-3930	479	13	(	(	PUNCT
fsr-3930	479	14	2000	2000	NUM
fsr-3930	479	15	)	)	PUNCT
fsr-3930	480	1	295–326	295–326	NUM
fsr-3930	480	2	risk	risk	NOUN
fsr-3930	480	3	-	-	PUNCT
fsr-3930	480	4	aversion	aversion	NOUN
fsr-3930	480	5	coefficients	coefficient	NOUN
fsr-3930	480	6	,	,	PUNCT
fsr-3930	480	7	�	�	PROPN
fsr-3930	480	8	,	,	PUNCT
fsr-3930	480	9	for	for	ADP
fsr-3930	480	10	100/0	100/0	NUM
fsr-3930	480	11	,	,	PUNCT
fsr-3930	480	12	90/10	90/10	NUM
fsr-3930	480	13	,	,	PUNCT
fsr-3930	480	14	80/20	80/20	NUM
fsr-3930	480	15	,	,	PUNCT
fsr-3930	480	16	and	and	CCONJ
fsr-3930	480	17	so	so	ADV
fsr-3930	480	18	forth	forth	ADV
fsr-3930	480	19	,	,	PUNCT
fsr-3930	480	20	portfolios	portfolio	NOUN
fsr-3930	480	21	.	.	PUNCT
fsr-3930	481	1	these	these	DET
fsr-3930	481	2	riskaversion	riskaversion	ADJ
fsr-3930	481	3	coefficients	coefficient	NOUN
fsr-3930	481	4	maximize	maximize	VERB
fsr-3930	481	5	utility	utility	NOUN
fsr-3930	481	6	under	under	ADP
fsr-3930	481	7	the	the	DET
fsr-3930	481	8	standard	standard	ADJ
fsr-3930	481	9	framework	framework	NOUN
fsr-3930	481	10	:	:	PUNCT
fsr-3930	481	11	max	max	PROPN
fsr-3930	481	12	up	up	ADP
fsr-3930	481	13	�	�	PROPN
fsr-3930	481	14	e	e	PROPN
fsr-3930	481	15	�	�	PROPN
fsr-3930	481	16	rp	rp	NOUN
fsr-3930	481	17	�	�	PROPN
fsr-3930	481	18	�	�	PROPN
fsr-3930	481	19	�	�	PROPN
fsr-3930	481	20	e	e	NOUN
fsr-3930	481	21	�	�	PROPN
fsr-3930	481	22	�	�	PROPN
fsr-3930	481	23	p	p	NOUN
fsr-3930	481	24	�	�	PROPN
fsr-3930	481	25	(	(	PUNCT
fsr-3930	481	26	6	6	NUM
fsr-3930	481	27	)	)	PUNCT
fsr-3930	481	28	higher	high	ADJ
fsr-3930	481	29	�	�	PROPN
fsr-3930	481	30	implies	imply	VERB
fsr-3930	481	31	higher	high	ADJ
fsr-3930	481	32	risk	risk	NOUN
fsr-3930	481	33	aversion	aversion	NOUN
fsr-3930	481	34	.	.	PUNCT
fsr-3930	482	1	while	while	SCONJ
fsr-3930	482	2	the	the	DET
fsr-3930	482	3	levels	level	NOUN
fsr-3930	482	4	of	of	ADP
fsr-3930	482	5	the	the	DET
fsr-3930	482	6	risk	risk	NOUN
fsr-3930	482	7	-	-	PUNCT
fsr-3930	482	8	aversion	aversion	NOUN
fsr-3930	482	9	coefficients	coefficient	NOUN
fsr-3930	482	10	in	in	ADP
fsr-3930	482	11	tables	table	NOUN
fsr-3930	482	12	9	9	NUM
fsr-3930	482	13	and	and	CCONJ
fsr-3930	482	14	10	10	NUM
fsr-3930	482	15	appear	appear	VERB
fsr-3930	482	16	arbitrary	arbitrary	ADJ
fsr-3930	482	17	,	,	PUNCT
fsr-3930	482	18	they	they	PRON
fsr-3930	482	19	are	be	AUX
fsr-3930	482	20	designed	design	VERB
fsr-3930	482	21	to	to	PART
fsr-3930	482	22	map	map	VERB
fsr-3930	482	23	to	to	ADP
fsr-3930	482	24	“	"	PUNCT
fsr-3930	482	25	round	round	ADJ
fsr-3930	482	26	number	number	NOUN
fsr-3930	482	27	”	"	PUNCT
fsr-3930	482	28	asset	asset	NOUN
fsr-3930	482	29	mixes	mix	VERB
fsr-3930	482	30	in	in	ADP
fsr-3930	482	31	the	the	DET
fsr-3930	482	32	financial	financial	ADJ
fsr-3930	482	33	portfolio	portfolio	NOUN
fsr-3930	482	34	.	.	PUNCT
fsr-3930	483	1	we	we	PRON
fsr-3930	483	2	then	then	ADV
fsr-3930	483	3	apply	apply	VERB
fsr-3930	483	4	these	these	DET
fsr-3930	483	5	risk	risk	NOUN
fsr-3930	483	6	-	-	PUNCT
fsr-3930	483	7	aversion	aversion	NOUN
fsr-3930	483	8	coefficients	coefficient	NOUN
fsr-3930	483	9	to	to	ADP
fsr-3930	483	10	mvo	mvo	PROPN
fsr-3930	483	11	in	in	ADP
fsr-3930	483	12	expanded	expand	VERB
fsr-3930	483	13	portfolios	portfolio	NOUN
fsr-3930	483	14	that	that	PRON
fsr-3930	483	15	include	include	VERB
fsr-3930	483	16	social	social	ADJ
fsr-3930	483	17	security	security	NOUN
fsr-3930	483	18	wealth	wealth	NOUN
fsr-3930	483	19	.	.	PUNCT
fsr-3930	484	1	we	we	PRON
fsr-3930	484	2	consider	consider	VERB
fsr-3930	484	3	single	single	ADJ
fsr-3930	484	4	and	and	CCONJ
fsr-3930	484	5	married	married	ADJ
fsr-3930	484	6	fifty	fifty	NUM
fsr-3930	484	7	-	-	PUNCT
fsr-3930	484	8	year	year	NOUN
fsr-3930	484	9	-	-	PUNCT
fsr-3930	484	10	olds	old	NOUN
fsr-3930	484	11	with	with	ADP
fsr-3930	484	12	different	different	ADJ
fsr-3930	484	13	savings	saving	NOUN
fsr-3930	484	14	.	.	PUNCT
fsr-3930	485	1	we	we	PRON
fsr-3930	485	2	use	use	VERB
fsr-3930	485	3	the	the	DET
fsr-3930	485	4	table	table	NOUN
fsr-3930	485	5	1	1	NUM
fsr-3930	485	6	present	present	ADJ
fsr-3930	485	7	value	value	NOUN
fsr-3930	485	8	of	of	ADP
fsr-3930	485	9	social	social	ADJ
fsr-3930	485	10	security	security	NOUN
fsr-3930	485	11	benefits	benefit	NOUN
fsr-3930	485	12	and	and	CCONJ
fsr-3930	485	13	the	the	DET
fsr-3930	485	14	hypothetical	hypothetical	ADJ
fsr-3930	485	15	financial	financial	ADJ
fsr-3930	485	16	portfolios	portfolio	NOUN
fsr-3930	485	17	for	for	ADP
fsr-3930	485	18	5	5	NUM
fsr-3930	485	19	%	%	NOUN
fsr-3930	485	20	,	,	PUNCT
fsr-3930	485	21	10	10	NUM
fsr-3930	485	22	%	%	NOUN
fsr-3930	485	23	,	,	PUNCT
fsr-3930	485	24	15	15	NUM
fsr-3930	485	25	%	%	NOUN
fsr-3930	485	26	and	and	CCONJ
fsr-3930	485	27	mnd	mnd	NOUN
fsr-3930	485	28	savers	saver	NOUN
fsr-3930	485	29	to	to	PART
fsr-3930	485	30	calculate	calculate	VERB
fsr-3930	485	31	the	the	DET
fsr-3930	485	32	percentage	percentage	NOUN
fsr-3930	485	33	of	of	ADP
fsr-3930	485	34	the	the	DET
fsr-3930	485	35	expanded	expand	VERB
fsr-3930	485	36	portfolio	portfolio	NOUN
fsr-3930	485	37	that	that	SCONJ
fsr-3930	485	38	social	social	ADJ
fsr-3930	485	39	security	security	NOUN
fsr-3930	485	40	wealth	wealth	NOUN
fsr-3930	485	41	represents	represent	VERB
fsr-3930	485	42	.	.	PUNCT
fsr-3930	486	1	we	we	PRON
fsr-3930	486	2	constrain	constrain	VERB
fsr-3930	486	3	the	the	DET
fsr-3930	486	4	mvo	mvo	PROPN
fsr-3930	486	5	to	to	PART
fsr-3930	486	6	hold	hold	VERB
fsr-3930	486	7	social	social	ADJ
fsr-3930	486	8	security	security	NOUN
fsr-3930	486	9	wealth	wealth	NOUN
fsr-3930	486	10	in	in	ADP
fsr-3930	486	11	this	this	DET
fsr-3930	486	12	constant	constant	ADJ
fsr-3930	486	13	proportion	proportion	NOUN
fsr-3930	486	14	.	.	PUNCT
fsr-3930	487	1	unlike	unlike	ADP
fsr-3930	487	2	the	the	DET
fsr-3930	487	3	other	other	ADJ
fsr-3930	487	4	three	three	NUM
fsr-3930	487	5	asset	asset	NOUN
fsr-3930	487	6	-	-	PUNCT
fsr-3930	487	7	mix	mix	NOUN
fsr-3930	487	8	decision	decision	NOUN
fsr-3930	487	9	rules	rule	NOUN
fsr-3930	487	10	,	,	PUNCT
fsr-3930	487	11	we	we	PRON
fsr-3930	487	12	treat	treat	VERB
fsr-3930	487	13	social	social	ADJ
fsr-3930	487	14	security	security	NOUN
fsr-3930	487	15	wealth	wealth	NOUN
fsr-3930	487	16	as	as	ADP
fsr-3930	487	17	a	a	DET
fsr-3930	487	18	distinct	distinct	ADJ
fsr-3930	487	19	asset	asset	NOUN
fsr-3930	487	20	class	class	NOUN
fsr-3930	487	21	—	—	PUNCT
fsr-3930	487	22	not	not	PART
fsr-3930	487	23	an	an	DET
fsr-3930	487	24	ordinary	ordinary	ADJ
fsr-3930	487	25	bond	bond	NOUN
fsr-3930	487	26	.	.	PUNCT
fsr-3930	488	1	we	we	PRON
fsr-3930	488	2	use	use	VERB
fsr-3930	488	3	a	a	DET
fsr-3930	488	4	6.45	6.45	NUM
fsr-3930	488	5	%	%	NOUN
fsr-3930	488	6	expected	expect	VERB
fsr-3930	488	7	return	return	NOUN
fsr-3930	488	8	on	on	ADP
fsr-3930	488	9	social	social	ADJ
fsr-3930	488	10	security	security	NOUN
fsr-3930	488	11	that	that	PRON
fsr-3930	488	12	reflects	reflect	VERB
fsr-3930	488	13	2.5	2.5	NUM
fsr-3930	488	14	%	%	NOUN
fsr-3930	488	15	inflation	inflation	NOUN
fsr-3930	488	16	and	and	CCONJ
fsr-3930	488	17	the	the	DET
fsr-3930	488	18	3.95	3.95	NUM
fsr-3930	488	19	%	%	NOUN
fsr-3930	488	20	real	real	ADJ
fsr-3930	488	21	tips	tip	NOUN
fsr-3930	488	22	yield	yield	NOUN
fsr-3930	488	23	used	use	VERB
fsr-3930	488	24	throughout	throughout	ADP
fsr-3930	488	25	this	this	DET
fsr-3930	488	26	paper	paper	NOUN
fsr-3930	488	27	.	.	PUNCT
fsr-3930	489	1	we	we	PRON
fsr-3930	489	2	use	use	VERB
fsr-3930	489	3	a	a	DET
fsr-3930	489	4	3	3	NUM
fsr-3930	489	5	%	%	NOUN
fsr-3930	489	6	standard	standard	ADJ
fsr-3930	489	7	deviation	deviation	NOUN
fsr-3930	489	8	,	,	PUNCT
fsr-3930	489	9	�	�	NOUN
fsr-3930	489	10	0.2	0.2	NUM
fsr-3930	489	11	correlation	correlation	NOUN
fsr-3930	489	12	with	with	ADP
fsr-3930	489	13	stocks	stock	NOUN
fsr-3930	489	14	and	and	CCONJ
fsr-3930	489	15	0.0	0.0	NUM
fsr-3930	489	16	correlation	correlation	NOUN
fsr-3930	489	17	with	with	ADP
fsr-3930	489	18	nominal	nominal	ADJ
fsr-3930	489	19	bonds	bond	NOUN
fsr-3930	489	20	.	.	PUNCT
fsr-3930	490	1	the	the	DET
fsr-3930	490	2	optimization	optimization	NOUN
fsr-3930	490	3	inputs	input	NOUN
fsr-3930	490	4	are	be	AUX
fsr-3930	490	5	illustrative	illustrative	ADJ
fsr-3930	490	6	,	,	PUNCT
fsr-3930	490	7	not	not	PART
fsr-3930	490	8	authoritative	authoritative	ADJ
fsr-3930	490	9	,	,	PUNCT
fsr-3930	490	10	but	but	CCONJ
fsr-3930	490	11	represent	represent	VERB
fsr-3930	490	12	a	a	DET
fsr-3930	490	13	harmonization	harmonization	NOUN
fsr-3930	490	14	of	of	ADP
fsr-3930	490	15	many	many	ADJ
fsr-3930	490	16	sources	source	NOUN
fsr-3930	490	17	(	(	PUNCT
fsr-3930	490	18	bodie	bodie	PROPN
fsr-3930	490	19	,	,	PUNCT
fsr-3930	490	20	1990	1990	NUM
fsr-3930	490	21	;	;	PUNCT
fsr-3930	490	22	brynjolfsson	brynjolfsson	PROPN
fsr-3930	490	23	&	&	CCONJ
fsr-3930	490	24	fabozzi	fabozzi	PROPN
fsr-3930	490	25	,	,	PUNCT
fsr-3930	490	26	1999	1999	NUM
fsr-3930	490	27	;	;	PUNCT
fsr-3930	490	28	chen	chen	PROPN
fsr-3930	490	29	&	&	CCONJ
fsr-3930	490	30	table	table	PROPN
fsr-3930	490	31	7	7	NUM
fsr-3930	490	32	implications	implication	NOUN
fsr-3930	490	33	of	of	ADP
fsr-3930	490	34	malkiel	malkiel	ADJ
fsr-3930	490	35	mix	mix	NOUN
fsr-3930	490	36	in	in	ADP
fsr-3930	490	37	the	the	DET
fsr-3930	490	38	financial	financial	ADJ
fsr-3930	490	39	portfolio	portfolio	NOUN
fsr-3930	490	40	for	for	ADP
fsr-3930	490	41	the	the	DET
fsr-3930	490	42	expanded	expand	VERB
fsr-3930	490	43	portfolio	portfolio	NOUN
fsr-3930	490	44	demography	demography	NOUN
fsr-3930	490	45	perceived	perceive	VERB
fsr-3930	490	46	financial	financial	ADJ
fsr-3930	490	47	portfolio	portfolio	NOUN
fsr-3930	490	48	resultant	resultant	NOUN
fsr-3930	490	49	expanded	expand	VERB
fsr-3930	490	50	portfolio	portfolio	NOUN
fsr-3930	490	51	including	include	VERB
fsr-3930	490	52	social	social	ADJ
fsr-3930	490	53	security	security	NOUN
fsr-3930	490	54	wealth	wealth	NOUN
fsr-3930	490	55	5	5	NUM
fsr-3930	490	56	%	%	NOUN
fsr-3930	490	57	saver	saver	ADJ
fsr-3930	490	58	10	10	NUM
fsr-3930	490	59	%	%	NOUN
fsr-3930	490	60	saver	saver	ADJ
fsr-3930	490	61	15	15	NUM
fsr-3930	490	62	%	%	NOUN
fsr-3930	490	63	saver	saver	ADJ
fsr-3930	490	64	mnd	mnd	NOUN
fsr-3930	490	65	saver	saver	ADJ
fsr-3930	490	66	age	age	NOUN
fsr-3930	490	67	status	status	NOUN
fsr-3930	490	68	stocks	stock	NOUN
fsr-3930	490	69	bonds	bond	VERB
fsr-3930	490	70	stocks	stock	NOUN
fsr-3930	490	71	bonds	bond	VERB
fsr-3930	490	72	stocks	stock	NOUN
fsr-3930	490	73	bonds	bond	VERB
fsr-3930	490	74	stocks	stock	NOUN
fsr-3930	490	75	bonds	bond	VERB
fsr-3930	490	76	stocks	stock	NOUN
fsr-3930	490	77	bonds	bond	VERB
fsr-3930	490	78	30	30	NUM
fsr-3930	490	79	single	single	ADJ
fsr-3930	490	80	65	65	NUM
fsr-3930	490	81	%	%	NOUN
fsr-3930	490	82	35	35	NUM
fsr-3930	490	83	%	%	NOUN
fsr-3930	490	84	32	32	NUM
fsr-3930	490	85	%	%	NOUN
fsr-3930	490	86	68	68	NUM
fsr-3930	490	87	%	%	NOUN
fsr-3930	490	88	43	43	NUM
fsr-3930	490	89	%	%	NOUN
fsr-3930	490	90	57	57	NUM
fsr-3930	490	91	%	%	NOUN
fsr-3930	490	92	48	48	NUM
fsr-3930	490	93	%	%	NOUN
fsr-3930	490	94	52	52	NUM
fsr-3930	490	95	%	%	NOUN
fsr-3930	490	96	54	54	NUM
fsr-3930	490	97	%	%	NOUN
fsr-3930	490	98	46	46	NUM
fsr-3930	490	99	%	%	NOUN
fsr-3930	490	100	married	marry	VERB
fsr-3930	490	101	65	65	NUM
fsr-3930	490	102	%	%	NOUN
fsr-3930	490	103	35	35	NUM
fsr-3930	490	104	%	%	NOUN
fsr-3930	490	105	24	24	NUM
fsr-3930	490	106	%	%	NOUN
fsr-3930	490	107	76	76	NUM
fsr-3930	490	108	%	%	NOUN
fsr-3930	490	109	35	35	NUM
fsr-3930	490	110	%	%	NOUN
fsr-3930	490	111	65	65	NUM
fsr-3930	490	112	%	%	NOUN
fsr-3930	490	113	41	41	NUM
fsr-3930	490	114	%	%	NOUN
fsr-3930	490	115	59	59	NUM
fsr-3930	490	116	%	%	NOUN
fsr-3930	490	117	48	48	NUM
fsr-3930	490	118	%	%	NOUN
fsr-3930	490	119	52	52	NUM
fsr-3930	490	120	%	%	NOUN
fsr-3930	491	1	40	40	NUM
fsr-3930	491	2	single	single	ADJ
fsr-3930	491	3	60	60	NUM
fsr-3930	491	4	%	%	NOUN
fsr-3930	491	5	40	40	NUM
fsr-3930	491	6	%	%	NOUN
fsr-3930	491	7	36	36	NUM
fsr-3930	491	8	%	%	NOUN
fsr-3930	491	9	64	64	NUM
fsr-3930	491	10	%	%	NOUN
fsr-3930	491	11	45	45	NUM
fsr-3930	491	12	%	%	NOUN
fsr-3930	491	13	55	55	NUM
fsr-3930	491	14	%	%	NOUN
fsr-3930	491	15	49	49	NUM
fsr-3930	491	16	%	%	NOUN
fsr-3930	491	17	51	51	NUM
fsr-3930	491	18	%	%	NOUN
fsr-3930	491	19	49	49	NUM
fsr-3930	491	20	%	%	NOUN
fsr-3930	491	21	51	51	NUM
fsr-3930	491	22	%	%	NOUN
fsr-3930	491	23	married	marry	VERB
fsr-3930	491	24	60	60	NUM
fsr-3930	491	25	%	%	NOUN
fsr-3930	491	26	40	40	NUM
fsr-3930	491	27	%	%	NOUN
fsr-3930	491	28	28	28	NUM
fsr-3930	491	29	%	%	NOUN
fsr-3930	491	30	72	72	NUM
fsr-3930	491	31	%	%	NOUN
fsr-3930	491	32	38	38	NUM
fsr-3930	491	33	%	%	NOUN
fsr-3930	491	34	62	62	NUM
fsr-3930	491	35	%	%	NOUN
fsr-3930	491	36	44	44	NUM
fsr-3930	491	37	%	%	NOUN
fsr-3930	491	38	56	56	NUM
fsr-3930	491	39	%	%	NOUN
fsr-3930	491	40	43	43	NUM
fsr-3930	491	41	%	%	NOUN
fsr-3930	491	42	57	57	NUM
fsr-3930	491	43	%	%	NOUN
fsr-3930	491	44	50	50	NUM
fsr-3930	491	45	single	single	ADJ
fsr-3930	491	46	53	53	NUM
fsr-3930	491	47	%	%	NOUN
fsr-3930	491	48	47	47	NUM
fsr-3930	491	49	%	%	NOUN
fsr-3930	491	50	31	31	NUM
fsr-3930	491	51	%	%	NOUN
fsr-3930	491	52	69	69	NUM
fsr-3930	491	53	%	%	NOUN
fsr-3930	491	54	39	39	NUM
fsr-3930	491	55	%	%	NOUN
fsr-3930	491	56	61	61	NUM
fsr-3930	491	57	%	%	NOUN
fsr-3930	491	58	43	43	NUM
fsr-3930	491	59	%	%	NOUN
fsr-3930	491	60	57	57	NUM
fsr-3930	491	61	%	%	NOUN
fsr-3930	491	62	41	41	NUM
fsr-3930	491	63	%	%	NOUN
fsr-3930	491	64	59	59	NUM
fsr-3930	491	65	%	%	NOUN
fsr-3930	491	66	married	marry	VERB
fsr-3930	491	67	53	53	NUM
fsr-3930	491	68	%	%	NOUN
fsr-3930	491	69	47	47	NUM
fsr-3930	491	70	%	%	NOUN
fsr-3930	491	71	24	24	NUM
fsr-3930	491	72	%	%	NOUN
fsr-3930	491	73	76	76	NUM
fsr-3930	491	74	%	%	NOUN
fsr-3930	491	75	33	33	NUM
fsr-3930	491	76	%	%	NOUN
fsr-3930	491	77	67	67	NUM
fsr-3930	491	78	%	%	NOUN
fsr-3930	491	79	38	38	NUM
fsr-3930	491	80	%	%	NOUN
fsr-3930	491	81	62	62	NUM
fsr-3930	491	82	%	%	NOUN
fsr-3930	491	83	35	35	NUM
fsr-3930	491	84	%	%	NOUN
fsr-3930	491	85	65	65	NUM
fsr-3930	491	86	%	%	NOUN
fsr-3930	492	1	60	60	NUM
fsr-3930	492	2	single	single	ADJ
fsr-3930	492	3	43	43	NUM
fsr-3930	492	4	%	%	NOUN
fsr-3930	492	5	57	57	NUM
fsr-3930	492	6	%	%	NOUN
fsr-3930	492	7	24	24	NUM
fsr-3930	492	8	%	%	NOUN
fsr-3930	492	9	76	76	NUM
fsr-3930	492	10	%	%	NOUN
fsr-3930	492	11	31	31	NUM
fsr-3930	492	12	%	%	NOUN
fsr-3930	492	13	69	69	NUM
fsr-3930	492	14	%	%	NOUN
fsr-3930	492	15	34	34	NUM
fsr-3930	492	16	%	%	NOUN
fsr-3930	492	17	66	66	NUM
fsr-3930	492	18	%	%	NOUN
fsr-3930	492	19	31	31	NUM
fsr-3930	492	20	%	%	NOUN
fsr-3930	492	21	69	69	NUM
fsr-3930	492	22	%	%	NOUN
fsr-3930	492	23	married	marry	VERB
fsr-3930	492	24	43	43	NUM
fsr-3930	492	25	%	%	NOUN
fsr-3930	492	26	57	57	NUM
fsr-3930	492	27	%	%	NOUN
fsr-3930	492	28	19	19	NUM
fsr-3930	492	29	%	%	NOUN
fsr-3930	492	30	81	81	NUM
fsr-3930	492	31	%	%	NOUN
fsr-3930	492	32	26	26	NUM
fsr-3930	492	33	%	%	NOUN
fsr-3930	492	34	74	74	NUM
fsr-3930	492	35	%	%	NOUN
fsr-3930	492	36	30	30	NUM
fsr-3930	492	37	%	%	NOUN
fsr-3930	492	38	70	70	NUM
fsr-3930	492	39	%	%	NOUN
fsr-3930	492	40	26	26	NUM
fsr-3930	492	41	%	%	NOUN
fsr-3930	492	42	74	74	NUM
fsr-3930	492	43	%	%	NOUN
fsr-3930	492	44	62	62	NUM
fsr-3930	492	45	single	single	ADJ
fsr-3930	492	46	39	39	NUM
fsr-3930	492	47	%	%	NOUN
fsr-3930	492	48	61	61	NUM
fsr-3930	492	49	%	%	NOUN
fsr-3930	492	50	20	20	NUM
fsr-3930	492	51	%	%	NOUN
fsr-3930	492	52	80	80	NUM
fsr-3930	492	53	%	%	NOUN
fsr-3930	492	54	27	27	NUM
fsr-3930	492	55	%	%	NOUN
fsr-3930	492	56	73	73	NUM
fsr-3930	492	57	%	%	NOUN
fsr-3930	492	58	30	30	NUM
fsr-3930	492	59	%	%	NOUN
fsr-3930	492	60	70	70	NUM
fsr-3930	492	61	%	%	NOUN
fsr-3930	492	62	27	27	NUM
fsr-3930	492	63	%	%	NOUN
fsr-3930	492	64	73	73	NUM
fsr-3930	492	65	%	%	NOUN
fsr-3930	492	66	married	marry	VERB
fsr-3930	492	67	39	39	NUM
fsr-3930	492	68	%	%	NOUN
fsr-3930	492	69	61	61	NUM
fsr-3930	492	70	%	%	NOUN
fsr-3930	492	71	16	16	NUM
fsr-3930	492	72	%	%	NOUN
fsr-3930	492	73	84	84	NUM
fsr-3930	492	74	%	%	NOUN
fsr-3930	492	75	22	22	NUM
fsr-3930	492	76	%	%	NOUN
fsr-3930	492	77	78	78	NUM
fsr-3930	492	78	%	%	NOUN
fsr-3930	492	79	26	26	NUM
fsr-3930	492	80	%	%	NOUN
fsr-3930	492	81	74	74	NUM
fsr-3930	492	82	%	%	NOUN
fsr-3930	492	83	23	23	NUM
fsr-3930	492	84	%	%	NOUN
fsr-3930	492	85	77	77	NUM
fsr-3930	492	86	%	%	NOUN
fsr-3930	492	87	65	65	NUM
fsr-3930	492	88	single	single	ADJ
fsr-3930	492	89	37	37	NUM
fsr-3930	492	90	%	%	NOUN
fsr-3930	492	91	63	63	NUM
fsr-3930	492	92	%	%	NOUN
fsr-3930	492	93	18	18	NUM
fsr-3930	492	94	%	%	NOUN
fsr-3930	492	95	82	82	NUM
fsr-3930	492	96	%	%	NOUN
fsr-3930	492	97	24	24	NUM
fsr-3930	492	98	%	%	NOUN
fsr-3930	492	99	76	76	NUM
fsr-3930	492	100	%	%	NOUN
fsr-3930	492	101	28	28	NUM
fsr-3930	492	102	%	%	NOUN
fsr-3930	492	103	72	72	NUM
fsr-3930	492	104	%	%	NOUN
fsr-3930	492	105	25	25	NUM
fsr-3930	492	106	%	%	NOUN
fsr-3930	492	107	75	75	NUM
fsr-3930	492	108	%	%	NOUN
fsr-3930	492	109	married	marry	VERB
fsr-3930	492	110	37	37	NUM
fsr-3930	492	111	%	%	NOUN
fsr-3930	492	112	63	63	NUM
fsr-3930	492	113	%	%	NOUN
fsr-3930	492	114	14	14	NUM
fsr-3930	492	115	%	%	NOUN
fsr-3930	492	116	86	86	NUM
fsr-3930	492	117	%	%	NOUN
fsr-3930	492	118	20	20	NUM
fsr-3930	492	119	%	%	NOUN
fsr-3930	492	120	80	80	NUM
fsr-3930	492	121	%	%	NOUN
fsr-3930	492	122	23	23	NUM
fsr-3930	492	123	%	%	NOUN
fsr-3930	492	124	77	77	NUM
fsr-3930	492	125	%	%	NOUN
fsr-3930	492	126	21	21	NUM
fsr-3930	492	127	%	%	NOUN
fsr-3930	492	128	79	79	NUM
fsr-3930	492	129	%	%	NOUN
fsr-3930	492	130	70	70	NUM
fsr-3930	492	131	single	single	ADJ
fsr-3930	492	132	30	30	NUM
fsr-3930	492	133	%	%	NOUN
fsr-3930	492	134	70	70	NUM
fsr-3930	492	135	%	%	NOUN
fsr-3930	492	136	14	14	NUM
fsr-3930	492	137	%	%	NOUN
fsr-3930	492	138	86	86	NUM
fsr-3930	492	139	%	%	NOUN
fsr-3930	492	140	19	19	NUM
fsr-3930	492	141	%	%	NOUN
fsr-3930	492	142	81	81	NUM
fsr-3930	492	143	%	%	NOUN
fsr-3930	492	144	21	21	NUM
fsr-3930	492	145	%	%	NOUN
fsr-3930	492	146	79	79	NUM
fsr-3930	492	147	%	%	NOUN
fsr-3930	492	148	20	20	NUM
fsr-3930	492	149	%	%	NOUN
fsr-3930	492	150	80	80	NUM
fsr-3930	492	151	%	%	NOUN
fsr-3930	492	152	married	marry	VERB
fsr-3930	492	153	30	30	NUM
fsr-3930	492	154	%	%	NOUN
fsr-3930	492	155	70	70	NUM
fsr-3930	492	156	%	%	NOUN
fsr-3930	492	157	10	10	NUM
fsr-3930	492	158	%	%	NOUN
fsr-3930	492	159	90	90	NUM
fsr-3930	492	160	%	%	NOUN
fsr-3930	492	161	15	15	NUM
fsr-3930	492	162	%	%	NOUN
fsr-3930	492	163	85	85	NUM
fsr-3930	492	164	%	%	NOUN
fsr-3930	492	165	18	18	NUM
fsr-3930	492	166	%	%	NOUN
fsr-3930	492	167	82	82	NUM
fsr-3930	492	168	%	%	NOUN
fsr-3930	492	169	16	16	NUM
fsr-3930	492	170	%	%	NOUN
fsr-3930	492	171	84	84	NUM
fsr-3930	492	172	%	%	NOUN
fsr-3930	492	173	80	80	NUM
fsr-3930	492	174	single	single	ADJ
fsr-3930	492	175	30	30	NUM
fsr-3930	492	176	%	%	NOUN
fsr-3930	492	177	70	70	NUM
fsr-3930	492	178	%	%	NOUN
fsr-3930	492	179	12	12	NUM
fsr-3930	492	180	%	%	NOUN
fsr-3930	492	181	88	88	NUM
fsr-3930	492	182	%	%	NOUN
fsr-3930	492	183	17	17	NUM
fsr-3930	492	184	%	%	NOUN
fsr-3930	492	185	83	83	NUM
fsr-3930	492	186	%	%	NOUN
fsr-3930	492	187	20	20	NUM
fsr-3930	492	188	%	%	NOUN
fsr-3930	492	189	80	80	NUM
fsr-3930	492	190	%	%	NOUN
fsr-3930	492	191	19	19	NUM
fsr-3930	492	192	%	%	NOUN
fsr-3930	492	193	81	81	NUM
fsr-3930	492	194	%	%	NOUN
fsr-3930	492	195	married	marry	VERB
fsr-3930	492	196	30	30	NUM
fsr-3930	492	197	%	%	NOUN
fsr-3930	492	198	70	70	NUM
fsr-3930	492	199	%	%	NOUN
fsr-3930	492	200	8	8	NUM
fsr-3930	492	201	%	%	NOUN
fsr-3930	492	202	92	92	NUM
fsr-3930	492	203	%	%	NOUN
fsr-3930	492	204	13	13	NUM
fsr-3930	492	205	%	%	NOUN
fsr-3930	492	206	87	87	NUM
fsr-3930	492	207	%	%	NOUN
fsr-3930	492	208	16	16	NUM
fsr-3930	492	209	%	%	NOUN
fsr-3930	492	210	84	84	NUM
fsr-3930	492	211	%	%	NOUN
fsr-3930	492	212	15	15	NUM
fsr-3930	492	213	%	%	NOUN
fsr-3930	492	214	85	85	NUM
fsr-3930	492	215	%	%	NOUN
fsr-3930	492	216	expanded	expand	VERB
fsr-3930	492	217	portfolio	portfolio	NOUN
fsr-3930	492	218	stock	stock	NOUN
fsr-3930	492	219	/	/	SYM
fsr-3930	492	220	bond	bond	NOUN
fsr-3930	492	221	mix	mix	NOUN
fsr-3930	492	222	resulting	result	VERB
fsr-3930	492	223	from	from	ADP
fsr-3930	492	224	adding	add	VERB
fsr-3930	492	225	social	social	ADJ
fsr-3930	492	226	security	security	NOUN
fsr-3930	492	227	wealth	wealth	NOUN
fsr-3930	492	228	to	to	ADP
fsr-3930	492	229	a	a	DET
fsr-3930	492	230	financial	financial	ADJ
fsr-3930	492	231	portfolio	portfolio	NOUN
fsr-3930	492	232	with	with	ADP
fsr-3930	492	233	a	a	DET
fsr-3930	492	234	consensus	consensus	NOUN
fsr-3930	492	235	-	-	PUNCT
fsr-3930	492	236	expert	expert	NOUN
fsr-3930	492	237	asset	asset	NOUN
fsr-3930	492	238	allocation	allocation	NOUN
fsr-3930	492	239	.	.	PUNCT
fsr-3930	493	1	the	the	DET
fsr-3930	493	2	consensus	consensus	NOUN
fsr-3930	493	3	-	-	PUNCT
fsr-3930	493	4	expert	expert	NOUN
fsr-3930	493	5	mix	mix	NOUN
fsr-3930	493	6	is	be	AUX
fsr-3930	493	7	per	per	ADP
fsr-3930	493	8	malkiel	malkiel	NOUN
fsr-3930	493	9	(	(	PUNCT
fsr-3930	493	10	1996	1996	NUM
fsr-3930	493	11	)	)	PUNCT
fsr-3930	493	12	.	.	PUNCT
fsr-3930	494	1	social	social	ADJ
fsr-3930	494	2	security	security	NOUN
fsr-3930	494	3	wealth	wealth	NOUN
fsr-3930	494	4	is	be	AUX
fsr-3930	494	5	treated	treat	VERB
fsr-3930	494	6	as	as	ADP
fsr-3930	494	7	a	a	DET
fsr-3930	494	8	bond	bond	NOUN
fsr-3930	494	9	and	and	CCONJ
fsr-3930	494	10	uses	use	VERB
fsr-3930	494	11	values	value	NOUN
fsr-3930	494	12	from	from	ADP
fsr-3930	494	13	table	table	NOUN
fsr-3930	494	14	1	1	NUM
fsr-3930	494	15	computed	compute	VERB
fsr-3930	494	16	using	use	VERB
fsr-3930	494	17	real	real	ADJ
fsr-3930	494	18	tips	tip	NOUN
fsr-3930	494	19	yields	yield	NOUN
fsr-3930	494	20	for	for	ADP
fsr-3930	494	21	a	a	DET
fsr-3930	494	22	high	high	ADV
fsr-3930	494	23	-	-	PUNCT
fsr-3930	494	24	earning	earn	VERB
fsr-3930	494	25	worker	worker	NOUN
fsr-3930	494	26	.	.	PUNCT
fsr-3930	495	1	savings	saving	NOUN
fsr-3930	495	2	rates	rate	NOUN
fsr-3930	495	3	are	be	AUX
fsr-3930	495	4	applied	apply	VERB
fsr-3930	495	5	over	over	ADP
fsr-3930	495	6	a	a	DET
fsr-3930	495	7	working	work	VERB
fsr-3930	495	8	lifetime	lifetime	NOUN
fsr-3930	495	9	to	to	PART
fsr-3930	495	10	create	create	VERB
fsr-3930	495	11	financial	financial	ADJ
fsr-3930	495	12	portfolio	portfolio	NOUN
fsr-3930	495	13	values	value	NOUN
fsr-3930	495	14	;	;	PUNCT
fsr-3930	495	15	mnd	mnd	PROPN
fsr-3930	495	16	saver	saver	NOUN
fsr-3930	495	17	’s	’s	PART
fsr-3930	495	18	financial	financial	ADJ
fsr-3930	495	19	portfolios	portfolio	NOUN
fsr-3930	495	20	are	be	AUX
fsr-3930	495	21	computed	compute	VERB
fsr-3930	495	22	for	for	ADP
fsr-3930	495	23	“	"	PUNCT
fsr-3930	495	24	prodigious	prodigious	ADJ
fsr-3930	495	25	accumulator[s	accumulator[s	NOUN
fsr-3930	495	26	]	]	PUNCT
fsr-3930	495	27	of	of	ADP
fsr-3930	495	28	wealth	wealth	NOUN
fsr-3930	495	29	”	"	PUNCT
fsr-3930	495	30	per	per	ADP
fsr-3930	495	31	stanley	stanley	NOUN
fsr-3930	495	32	and	and	CCONJ
fsr-3930	495	33	danko	danko	PROPN
fsr-3930	495	34	(	(	PUNCT
fsr-3930	495	35	1996	1996	NUM
fsr-3930	495	36	)	)	PUNCT
fsr-3930	495	37	.	.	PUNCT
fsr-3930	496	1	315s.p	315s.p	X
fsr-3930	496	2	.	.	PUNCT
fsr-3930	497	1	fraser	fraser	PROPN
fsr-3930	497	2	et	et	PROPN
fsr-3930	497	3	al	al	PROPN
fsr-3930	497	4	.	.	PUNCT
fsr-3930	497	5	/	/	SYM
fsr-3930	497	6	financial	financial	ADJ
fsr-3930	497	7	services	service	NOUN
fsr-3930	497	8	review	review	VERB
fsr-3930	497	9	9	9	NUM
fsr-3930	497	10	(	(	PUNCT
fsr-3930	497	11	2000	2000	NUM
fsr-3930	497	12	)	)	PUNCT
fsr-3930	497	13	295–326	295–326	NUM
fsr-3930	497	14	terrien	terrien	NOUN
fsr-3930	497	15	,	,	PUNCT
fsr-3930	497	16	1999	1999	NUM
fsr-3930	497	17	;	;	PUNCT
fsr-3930	497	18	dalio	dalio	NOUN
fsr-3930	497	19	&	&	CCONJ
fsr-3930	497	20	bernstein	bernstein	PROPN
fsr-3930	497	21	,	,	PUNCT
fsr-3930	497	22	1999	1999	NUM
fsr-3930	497	23	;	;	PUNCT
fsr-3930	497	24	ibbotson	ibbotson	PROPN
fsr-3930	497	25	associates	associates	PROPN
fsr-3930	497	26	,	,	PUNCT
fsr-3930	497	27	1999	1999	NUM
fsr-3930	497	28	;	;	PUNCT
fsr-3930	497	29	lamm	lamm	PROPN
fsr-3930	497	30	,	,	PUNCT
fsr-3930	497	31	1998	1998	NUM
fsr-3930	497	32	;	;	PUNCT
fsr-3930	497	33	phoa	phoa	NOUN
fsr-3930	497	34	,	,	PUNCT
fsr-3930	497	35	1999	1999	NUM
fsr-3930	497	36	;	;	PUNCT
fsr-3930	497	37	rudolph	rudolph	NOUN
fsr-3930	497	38	-	-	PUNCT
fsr-3930	497	39	shabinsky	shabinsky	NOUN
fsr-3930	497	40	,	,	PUNCT
fsr-3930	497	41	2000	2000	NUM
fsr-3930	497	42	)	)	PUNCT
fsr-3930	497	43	.	.	PUNCT
fsr-3930	498	1	for	for	ADP
fsr-3930	498	2	simplicity	simplicity	NOUN
fsr-3930	498	3	,	,	PUNCT
fsr-3930	498	4	we	we	PRON
fsr-3930	498	5	require	require	VERB
fsr-3930	498	6	asset	asset	NOUN
fsr-3930	498	7	holdings	holding	NOUN
fsr-3930	498	8	to	to	PART
fsr-3930	498	9	be	be	AUX
fsr-3930	498	10	in	in	ADP
fsr-3930	498	11	whole	whole	ADJ
fsr-3930	498	12	percents	percent	NOUN
fsr-3930	498	13	and	and	CCONJ
fsr-3930	498	14	constrain	constrain	VERB
fsr-3930	498	15	stock	stock	NOUN
fsr-3930	498	16	positions	position	NOUN
fsr-3930	498	17	in	in	ADP
fsr-3930	498	18	the	the	DET
fsr-3930	498	19	expanded	expand	VERB
fsr-3930	498	20	portfolio	portfolio	NOUN
fsr-3930	498	21	to	to	ADP
fsr-3930	498	22	0	0	NUM
fsr-3930	498	23	%	%	NOUN
fsr-3930	498	24	to	to	PART
fsr-3930	498	25	100	100	NUM
fsr-3930	498	26	%	%	NOUN
fsr-3930	498	27	.	.	PUNCT
fsr-3930	499	1	table	table	NOUN
fsr-3930	499	2	9	9	NUM
fsr-3930	499	3	shows	show	VERB
fsr-3930	499	4	the	the	DET
fsr-3930	499	5	mvo	mvo	ADJ
fsr-3930	499	6	efficient	efficient	ADJ
fsr-3930	499	7	portfolios	portfolio	NOUN
fsr-3930	499	8	for	for	ADP
fsr-3930	499	9	the	the	DET
fsr-3930	499	10	different	different	ADJ
fsr-3930	499	11	imputed	impute	VERB
fsr-3930	499	12	risk	risk	NOUN
fsr-3930	499	13	aversion	aversion	NOUN
fsr-3930	499	14	levels	level	NOUN
fsr-3930	499	15	.	.	PUNCT
fsr-3930	500	1	for	for	ADP
fsr-3930	500	2	example	example	NOUN
fsr-3930	500	3	,	,	PUNCT
fsr-3930	500	4	a	a	DET
fsr-3930	500	5	single	single	ADJ
fsr-3930	500	6	10%-saver	10%-saver	NUM
fsr-3930	500	7	50	50	NUM
fsr-3930	500	8	-	-	PUNCT
fsr-3930	500	9	year	year	NOUN
fsr-3930	500	10	-	-	PUNCT
fsr-3930	500	11	old	old	ADJ
fsr-3930	500	12	whose	whose	DET
fsr-3930	500	13	risk	risk	NOUN
fsr-3930	500	14	aversion	aversion	NOUN
fsr-3930	500	15	recommends	recommend	VERB
fsr-3930	500	16	a	a	DET
fsr-3930	500	17	90%/10	90%/10	ADJ
fsr-3930	500	18	%	%	NOUN
fsr-3930	500	19	stock	stock	NOUN
fsr-3930	500	20	/	/	SYM
fsr-3930	500	21	bond	bond	NOUN
fsr-3930	500	22	mix	mix	NOUN
fsr-3930	500	23	if	if	SCONJ
fsr-3930	500	24	optimizing	optimize	VERB
fsr-3930	500	25	only	only	ADV
fsr-3930	500	26	her	her	PRON
fsr-3930	500	27	financial	financial	ADJ
fsr-3930	500	28	portfolio	portfolio	NOUN
fsr-3930	500	29	(	(	PUNCT
fsr-3930	500	30	i.e.	i.e.	X
fsr-3930	500	31	,	,	PUNCT
fsr-3930	500	32	�	�	PROPN
fsr-3930	500	33	�	�	PROPN
fsr-3930	500	34	0.279	0.279	NUM
fsr-3930	500	35	)	)	PUNCT
fsr-3930	500	36	would	would	AUX
fsr-3930	500	37	choose	choose	VERB
fsr-3930	500	38	to	to	PART
fsr-3930	500	39	hold	hold	VERB
fsr-3930	500	40	a	a	DET
fsr-3930	500	41	69%/5%/26	69%/5%/26	NOUN
fsr-3930	500	42	%	%	NOUN
fsr-3930	500	43	stock	stock	NOUN
fsr-3930	500	44	/	/	SYM
fsr-3930	500	45	bond	bond	NOUN
fsr-3930	500	46	/	/	SYM
fsr-3930	500	47	social	social	ADJ
fsr-3930	500	48	security	security	NOUN
fsr-3930	500	49	mix	mix	NOUN
fsr-3930	500	50	in	in	ADP
fsr-3930	500	51	her	her	PRON
fsr-3930	500	52	expanded	expand	VERB
fsr-3930	500	53	portfolio	portfolio	NOUN
fsr-3930	500	54	.	.	PUNCT
fsr-3930	501	1	table	table	NOUN
fsr-3930	501	2	10	10	NUM
fsr-3930	501	3	shows	show	VERB
fsr-3930	501	4	this	this	PRON
fsr-3930	501	5	is	be	AUX
fsr-3930	501	6	requires	require	VERB
fsr-3930	501	7	a	a	DET
fsr-3930	501	8	93%/7	93%/7	NUM
fsr-3930	501	9	%	%	NOUN
fsr-3930	501	10	stock	stock	NOUN
fsr-3930	501	11	/	/	SYM
fsr-3930	501	12	bond	bond	NOUN
fsr-3930	501	13	mix	mix	NOUN
fsr-3930	501	14	in	in	ADP
fsr-3930	501	15	the	the	DET
fsr-3930	501	16	financial	financial	ADJ
fsr-3930	501	17	portfolio	portfolio	NOUN
fsr-3930	501	18	to	to	PART
fsr-3930	501	19	implement	implement	VERB
fsr-3930	501	20	.	.	PUNCT
fsr-3930	502	1	as	as	ADP
fsr-3930	502	2	before	before	ADV
fsr-3930	502	3	,	,	PUNCT
fsr-3930	502	4	integrating	integrate	VERB
fsr-3930	502	5	social	social	ADJ
fsr-3930	502	6	security	security	NOUN
fsr-3930	502	7	wealth	wealth	NOUN
fsr-3930	502	8	under	under	ADP
fsr-3930	502	9	this	this	DET
fsr-3930	502	10	asset	asset	NOUN
fsr-3930	502	11	-	-	PUNCT
fsr-3930	502	12	mix	mix	NOUN
fsr-3930	502	13	decision	decision	NOUN
fsr-3930	502	14	rule	rule	NOUN
fsr-3930	502	15	requires	require	VERB
fsr-3930	502	16	more	more	ADJ
fsr-3930	502	17	stockholdings	stockholding	NOUN
fsr-3930	502	18	;	;	PUNCT
fsr-3930	502	19	however	however	ADV
fsr-3930	502	20	,	,	PUNCT
fsr-3930	502	21	note	note	VERB
fsr-3930	502	22	that	that	SCONJ
fsr-3930	502	23	the	the	DET
fsr-3930	502	24	required	require	VERB
fsr-3930	502	25	financial	financial	ADJ
fsr-3930	502	26	portfolios	portfolio	NOUN
fsr-3930	502	27	in	in	ADP
fsr-3930	502	28	table	table	NOUN
fsr-3930	502	29	10	10	NUM
fsr-3930	502	30	require	require	NOUN
fsr-3930	502	31	only	only	ADJ
fsr-3930	502	32	slight	slight	ADJ
fsr-3930	502	33	adjustments	adjustment	NOUN
fsr-3930	502	34	(	(	PUNCT
fsr-3930	502	35	1–17	1–17	NOUN
fsr-3930	502	36	%	%	NOUN
fsr-3930	502	37	shifts	shift	NOUN
fsr-3930	502	38	)	)	PUNCT
fsr-3930	502	39	from	from	ADP
fsr-3930	502	40	the	the	DET
fsr-3930	502	41	a	a	DET
fsr-3930	502	42	priori	priori	ADJ
fsr-3930	502	43	financial	financial	ADJ
fsr-3930	502	44	portfolios	portfolio	NOUN
fsr-3930	502	45	with	with	ADP
fsr-3930	502	46	the	the	DET
fsr-3930	502	47	same	same	ADJ
fsr-3930	502	48	risk	risk	NOUN
fsr-3930	502	49	aversion	aversion	NOUN
fsr-3930	502	50	.	.	PUNCT
fsr-3930	503	1	these	these	DET
fsr-3930	503	2	small	small	ADJ
fsr-3930	503	3	shifts	shift	NOUN
fsr-3930	503	4	are	be	AUX
fsr-3930	503	5	for	for	ADP
fsr-3930	503	6	constant	constant	ADJ
fsr-3930	503	7	risk	risk	NOUN
fsr-3930	503	8	aversions	aversion	NOUN
fsr-3930	503	9	�	�	PROPN
fsr-3930	503	10	(	(	PUNCT
fsr-3930	503	11	typically	typically	ADV
fsr-3930	503	12	diagonal	diagonal	ADJ
fsr-3930	503	13	moves	move	NOUN
fsr-3930	503	14	in	in	ADP
fsr-3930	503	15	risk	risk	NOUN
fsr-3930	503	16	-	-	PUNCT
fsr-3930	503	17	return	return	NOUN
fsr-3930	503	18	space	space	NOUN
fsr-3930	503	19	)	)	PUNCT
fsr-3930	503	20	;	;	PUNCT
fsr-3930	503	21	integrating	integrate	VERB
fsr-3930	503	22	social	social	ADJ
fsr-3930	503	23	security	security	NOUN
fsr-3930	503	24	into	into	ADP
fsr-3930	503	25	the	the	DET
fsr-3930	503	26	asset	asset	NOUN
fsr-3930	503	27	mix	mix	NOUN
fsr-3930	503	28	decision	decision	NOUN
fsr-3930	503	29	also	also	ADV
fsr-3930	503	30	allows	allow	VERB
fsr-3930	503	31	i	i	PRON
fsr-3930	503	32	)	)	PUNCT
fsr-3930	503	33	risk	risk	NOUN
fsr-3930	503	34	reductions	reduction	NOUN
fsr-3930	503	35	for	for	ADP
fsr-3930	503	36	constant	constant	ADJ
fsr-3930	503	37	expected	expect	VERB
fsr-3930	503	38	returns	return	NOUN
fsr-3930	503	39	(	(	PUNCT
fsr-3930	503	40	horizontal	horizontal	ADJ
fsr-3930	503	41	moves	move	NOUN
fsr-3930	503	42	)	)	PUNCT
fsr-3930	503	43	or	or	CCONJ
fsr-3930	503	44	ii	ii	X
fsr-3930	503	45	)	)	PUNCT
fsr-3930	503	46	return	return	VERB
fsr-3930	503	47	enhancements	enhancement	NOUN
fsr-3930	503	48	for	for	ADP
fsr-3930	503	49	constant	constant	ADJ
fsr-3930	503	50	risk	risk	NOUN
fsr-3930	503	51	levels	level	NOUN
fsr-3930	503	52	(	(	PUNCT
fsr-3930	503	53	vertical	vertical	ADJ
fsr-3930	503	54	moves	move	NOUN
fsr-3930	503	55	)	)	PUNCT
fsr-3930	503	56	.	.	PUNCT
fsr-3930	504	1	these	these	DET
fsr-3930	504	2	horizontal	horizontal	ADJ
fsr-3930	504	3	and	and	CCONJ
fsr-3930	504	4	vertical	vertical	ADJ
fsr-3930	504	5	moves	move	NOUN
fsr-3930	504	6	in	in	ADP
fsr-3930	504	7	risk	risk	NOUN
fsr-3930	504	8	-	-	PUNCT
fsr-3930	504	9	return	return	NOUN
fsr-3930	504	10	space	space	NOUN
fsr-3930	504	11	require	require	VERB
fsr-3930	504	12	larger	large	ADJ
fsr-3930	504	13	reallocations	reallocation	NOUN
fsr-3930	504	14	—	—	PUNCT
fsr-3930	504	15	akin	akin	ADJ
fsr-3930	504	16	to	to	ADP
fsr-3930	504	17	those	those	PRON
fsr-3930	504	18	under	under	ADP
fsr-3930	504	19	the	the	DET
fsr-3930	504	20	first	first	ADJ
fsr-3930	504	21	three	three	NUM
fsr-3930	504	22	asset	asset	NOUN
fsr-3930	504	23	-	-	PUNCT
fsr-3930	504	24	mix	mix	NOUN
fsr-3930	504	25	decision	decision	NOUN
fsr-3930	504	26	rules	rule	NOUN
fsr-3930	504	27	.	.	PUNCT
fsr-3930	505	1	fig	fig	NOUN
fsr-3930	505	2	.	.	PUNCT
fsr-3930	505	3	table	table	NOUN
fsr-3930	505	4	8	8	NUM
fsr-3930	505	5	implications	implication	NOUN
fsr-3930	505	6	of	of	ADP
fsr-3930	505	7	malkiel	malkiel	ADJ
fsr-3930	505	8	mix	mix	NOUN
fsr-3930	505	9	in	in	ADP
fsr-3930	505	10	the	the	DET
fsr-3930	505	11	expanded	expand	VERB
fsr-3930	505	12	portfolio	portfolio	NOUN
fsr-3930	505	13	for	for	ADP
fsr-3930	505	14	the	the	DET
fsr-3930	505	15	financial	financial	ADJ
fsr-3930	505	16	portfolio	portfolio	NOUN
fsr-3930	505	17	demography	demography	NOUN
fsr-3930	505	18	desired	desire	VERB
fsr-3930	505	19	expanded	expand	VERB
fsr-3930	505	20	portfolio	portfolio	NOUN
fsr-3930	505	21	required	require	VERB
fsr-3930	505	22	financial	financial	ADJ
fsr-3930	505	23	portfolio	portfolio	NOUN
fsr-3930	505	24	5	5	NUM
fsr-3930	505	25	%	%	NOUN
fsr-3930	505	26	saver	saver	ADJ
fsr-3930	505	27	10	10	NUM
fsr-3930	505	28	%	%	NOUN
fsr-3930	505	29	saver	saver	ADJ
fsr-3930	505	30	15	15	NUM
fsr-3930	505	31	%	%	NOUN
fsr-3930	505	32	saver	saver	ADJ
fsr-3930	505	33	mnd	mnd	NOUN
fsr-3930	505	34	saver	saver	ADJ
fsr-3930	505	35	age	age	NOUN
fsr-3930	505	36	status	status	NOUN
fsr-3930	505	37	stocks	stock	NOUN
fsr-3930	505	38	bonds	bond	VERB
fsr-3930	505	39	stocks	stock	NOUN
fsr-3930	505	40	bonds	bond	VERB
fsr-3930	505	41	stocks	stock	NOUN
fsr-3930	505	42	bonds	bond	VERB
fsr-3930	505	43	stocks	stock	NOUN
fsr-3930	505	44	bonds	bond	VERB
fsr-3930	505	45	stocks	stock	NOUN
fsr-3930	505	46	bonds	bond	VERB
fsr-3930	505	47	30	30	NUM
fsr-3930	505	48	single	single	ADJ
fsr-3930	505	49	65	65	NUM
fsr-3930	505	50	%	%	NOUN
fsr-3930	505	51	35	35	NUM
fsr-3930	505	52	%	%	NOUN
fsr-3930	505	53	132	132	NUM
fsr-3930	505	54	%	%	NOUN
fsr-3930	505	55	�	�	NOUN
fsr-3930	505	56	32	32	NUM
fsr-3930	505	57	%	%	NOUN
fsr-3930	505	58	99	99	NUM
fsr-3930	505	59	%	%	NOUN
fsr-3930	505	60	1	1	NUM
fsr-3930	505	61	%	%	NOUN
fsr-3930	505	62	87	87	NUM
fsr-3930	505	63	%	%	NOUN
fsr-3930	505	64	13	13	NUM
fsr-3930	505	65	%	%	NOUN
fsr-3930	505	66	78	78	NUM
fsr-3930	505	67	%	%	NOUN
fsr-3930	505	68	22	22	NUM
fsr-3930	505	69	%	%	NOUN
fsr-3930	505	70	married	marry	VERB
fsr-3930	505	71	65	65	NUM
fsr-3930	505	72	%	%	NOUN
fsr-3930	505	73	35	35	NUM
fsr-3930	505	74	%	%	NOUN
fsr-3930	505	75	179	179	NUM
fsr-3930	505	76	%	%	NOUN
fsr-3930	505	77	�	�	NOUN
fsr-3930	505	78	79	79	NUM
fsr-3930	505	79	%	%	NOUN
fsr-3930	505	80	122	122	NUM
fsr-3930	505	81	%	%	NOUN
fsr-3930	505	82	�	�	NOUN
fsr-3930	505	83	22	22	NUM
fsr-3930	505	84	%	%	NOUN
fsr-3930	505	85	103	103	NUM
fsr-3930	505	86	%	%	NOUN
fsr-3930	505	87	�	�	NOUN
fsr-3930	505	88	3	3	NUM
fsr-3930	505	89	%	%	NOUN
fsr-3930	505	90	88	88	NUM
fsr-3930	505	91	%	%	NOUN
fsr-3930	505	92	12	12	NUM
fsr-3930	505	93	%	%	NOUN
fsr-3930	505	94	40	40	NUM
fsr-3930	505	95	single	single	ADJ
fsr-3930	505	96	60	60	NUM
fsr-3930	505	97	%	%	NOUN
fsr-3930	505	98	40	40	NUM
fsr-3930	505	99	%	%	NOUN
fsr-3930	505	100	100	100	NUM
fsr-3930	505	101	%	%	NOUN
fsr-3930	505	102	0	0	NUM
fsr-3930	505	103	%	%	NOUN
fsr-3930	505	104	80	80	NUM
fsr-3930	505	105	%	%	NOUN
fsr-3930	505	106	20	20	NUM
fsr-3930	505	107	%	%	NOUN
fsr-3930	505	108	73	73	NUM
fsr-3930	505	109	%	%	NOUN
fsr-3930	505	110	27	27	NUM
fsr-3930	505	111	%	%	NOUN
fsr-3930	505	112	74	74	NUM
fsr-3930	505	113	%	%	NOUN
fsr-3930	505	114	26	26	NUM
fsr-3930	505	115	%	%	NOUN
fsr-3930	505	116	married	marry	VERB
fsr-3930	505	117	60	60	NUM
fsr-3930	505	118	%	%	NOUN
fsr-3930	505	119	40	40	NUM
fsr-3930	505	120	%	%	NOUN
fsr-3930	505	121	128	128	NUM
fsr-3930	505	122	%	%	NOUN
fsr-3930	505	123	�	�	NOUN
fsr-3930	505	124	28	28	NUM
fsr-3930	505	125	%	%	NOUN
fsr-3930	505	126	94	94	NUM
fsr-3930	505	127	%	%	NOUN
fsr-3930	505	128	6	6	NUM
fsr-3930	505	129	%	%	NOUN
fsr-3930	505	130	83	83	NUM
fsr-3930	505	131	%	%	NOUN
fsr-3930	505	132	17	17	NUM
fsr-3930	505	133	%	%	NOUN
fsr-3930	505	134	83	83	NUM
fsr-3930	505	135	%	%	NOUN
fsr-3930	505	136	17	17	NUM
fsr-3930	505	137	%	%	NOUN
fsr-3930	505	138	50	50	NUM
fsr-3930	505	139	single	single	ADJ
fsr-3930	505	140	53	53	NUM
fsr-3930	505	141	%	%	NOUN
fsr-3930	505	142	47	47	NUM
fsr-3930	505	143	%	%	NOUN
fsr-3930	505	144	91	91	NUM
fsr-3930	505	145	%	%	NOUN
fsr-3930	505	146	9	9	NUM
fsr-3930	505	147	%	%	NOUN
fsr-3930	505	148	72	72	NUM
fsr-3930	505	149	%	%	NOUN
fsr-3930	505	150	28	28	NUM
fsr-3930	505	151	%	%	NOUN
fsr-3930	505	152	66	66	NUM
fsr-3930	505	153	%	%	NOUN
fsr-3930	505	154	34	34	NUM
fsr-3930	505	155	%	%	NOUN
fsr-3930	505	156	69	69	NUM
fsr-3930	505	157	%	%	NOUN
fsr-3930	505	158	31	31	NUM
fsr-3930	505	159	%	%	NOUN
fsr-3930	505	160	married	marry	VERB
fsr-3930	505	161	53	53	NUM
fsr-3930	505	162	%	%	NOUN
fsr-3930	505	163	47	47	NUM
fsr-3930	505	164	%	%	NOUN
fsr-3930	505	165	115	115	NUM
fsr-3930	505	166	%	%	NOUN
fsr-3930	505	167	�	�	NOUN
fsr-3930	505	168	15	15	NUM
fsr-3930	505	169	%	%	NOUN
fsr-3930	505	170	84	84	NUM
fsr-3930	505	171	%	%	NOUN
fsr-3930	505	172	16	16	NUM
fsr-3930	505	173	%	%	NOUN
fsr-3930	505	174	74	74	NUM
fsr-3930	505	175	%	%	NOUN
fsr-3930	505	176	26	26	NUM
fsr-3930	505	177	%	%	NOUN
fsr-3930	505	178	80	80	NUM
fsr-3930	505	179	%	%	NOUN
fsr-3930	505	180	20	20	NUM
fsr-3930	505	181	%	%	NOUN
fsr-3930	506	1	60	60	NUM
fsr-3930	506	2	single	single	ADJ
fsr-3930	506	3	43	43	NUM
fsr-3930	506	4	%	%	NOUN
fsr-3930	506	5	57	57	NUM
fsr-3930	506	6	%	%	NOUN
fsr-3930	506	7	77	77	NUM
fsr-3930	506	8	%	%	NOUN
fsr-3930	506	9	23	23	NUM
fsr-3930	506	10	%	%	NOUN
fsr-3930	506	11	60	60	NUM
fsr-3930	506	12	%	%	NOUN
fsr-3930	506	13	40	40	NUM
fsr-3930	506	14	%	%	NOUN
fsr-3930	506	15	54	54	NUM
fsr-3930	506	16	%	%	NOUN
fsr-3930	506	17	46	46	NUM
fsr-3930	506	18	%	%	NOUN
fsr-3930	506	19	60	60	NUM
fsr-3930	506	20	%	%	NOUN
fsr-3930	506	21	40	40	NUM
fsr-3930	506	22	%	%	NOUN
fsr-3930	506	23	married	marry	VERB
fsr-3930	506	24	43	43	NUM
fsr-3930	506	25	%	%	NOUN
fsr-3930	506	26	57	57	NUM
fsr-3930	506	27	%	%	NOUN
fsr-3930	506	28	99	99	NUM
fsr-3930	506	29	%	%	NOUN
fsr-3930	506	30	1	1	NUM
fsr-3930	506	31	%	%	NOUN
fsr-3930	506	32	71	71	NUM
fsr-3930	506	33	%	%	NOUN
fsr-3930	506	34	29	29	NUM
fsr-3930	506	35	%	%	NOUN
fsr-3930	506	36	62	62	NUM
fsr-3930	506	37	%	%	NOUN
fsr-3930	506	38	38	38	NUM
fsr-3930	506	39	%	%	NOUN
fsr-3930	506	40	71	71	NUM
fsr-3930	506	41	%	%	NOUN
fsr-3930	506	42	29	29	NUM
fsr-3930	506	43	%	%	NOUN
fsr-3930	506	44	62	62	NUM
fsr-3930	506	45	single	single	ADJ
fsr-3930	506	46	39	39	NUM
fsr-3930	506	47	%	%	NOUN
fsr-3930	506	48	61	61	NUM
fsr-3930	506	49	%	%	NOUN
fsr-3930	506	50	75	75	NUM
fsr-3930	506	51	%	%	NOUN
fsr-3930	506	52	25	25	NUM
fsr-3930	506	53	%	%	NOUN
fsr-3930	506	54	57	57	NUM
fsr-3930	506	55	%	%	NOUN
fsr-3930	506	56	43	43	NUM
fsr-3930	506	57	%	%	NOUN
fsr-3930	506	58	51	51	NUM
fsr-3930	506	59	%	%	NOUN
fsr-3930	506	60	49	49	NUM
fsr-3930	506	61	%	%	NOUN
fsr-3930	506	62	56	56	NUM
fsr-3930	506	63	%	%	NOUN
fsr-3930	506	64	44	44	NUM
fsr-3930	506	65	%	%	NOUN
fsr-3930	506	66	married	marry	VERB
fsr-3930	506	67	39	39	NUM
fsr-3930	506	68	%	%	NOUN
fsr-3930	506	69	61	61	NUM
fsr-3930	506	70	%	%	NOUN
fsr-3930	506	71	97	97	NUM
fsr-3930	506	72	%	%	NOUN
fsr-3930	506	73	3	3	NUM
fsr-3930	506	74	%	%	NOUN
fsr-3930	506	75	68	68	NUM
fsr-3930	506	76	%	%	NOUN
fsr-3930	506	77	32	32	NUM
fsr-3930	506	78	%	%	NOUN
fsr-3930	506	79	58	58	NUM
fsr-3930	506	80	%	%	NOUN
fsr-3930	506	81	42	42	NUM
fsr-3930	506	82	%	%	NOUN
fsr-3930	506	83	66	66	NUM
fsr-3930	506	84	%	%	NOUN
fsr-3930	506	85	34	34	NUM
fsr-3930	506	86	%	%	NOUN
fsr-3930	506	87	65	65	NUM
fsr-3930	506	88	single	single	ADJ
fsr-3930	506	89	37	37	NUM
fsr-3930	506	90	%	%	NOUN
fsr-3930	506	91	63	63	NUM
fsr-3930	506	92	%	%	NOUN
fsr-3930	506	93	75	75	NUM
fsr-3930	506	94	%	%	NOUN
fsr-3930	506	95	25	25	NUM
fsr-3930	506	96	%	%	NOUN
fsr-3930	506	97	56	56	NUM
fsr-3930	506	98	%	%	NOUN
fsr-3930	506	99	44	44	NUM
fsr-3930	506	100	%	%	NOUN
fsr-3930	506	101	50	50	NUM
fsr-3930	506	102	%	%	NOUN
fsr-3930	506	103	50	50	NUM
fsr-3930	506	104	%	%	NOUN
fsr-3930	506	105	54	54	NUM
fsr-3930	506	106	%	%	NOUN
fsr-3930	506	107	46	46	NUM
fsr-3930	506	108	%	%	NOUN
fsr-3930	506	109	married	marry	VERB
fsr-3930	506	110	37	37	NUM
fsr-3930	506	111	%	%	NOUN
fsr-3930	506	112	63	63	NUM
fsr-3930	506	113	%	%	NOUN
fsr-3930	506	114	101	101	NUM
fsr-3930	506	115	%	%	NOUN
fsr-3930	506	116	�	�	NOUN
fsr-3930	506	117	1	1	NUM
fsr-3930	506	118	%	%	NOUN
fsr-3930	506	119	69	69	NUM
fsr-3930	506	120	%	%	NOUN
fsr-3930	506	121	31	31	NUM
fsr-3930	506	122	%	%	NOUN
fsr-3930	506	123	58	58	NUM
fsr-3930	506	124	%	%	NOUN
fsr-3930	506	125	42	42	NUM
fsr-3930	506	126	%	%	NOUN
fsr-3930	506	127	65	65	NUM
fsr-3930	506	128	%	%	NOUN
fsr-3930	506	129	35	35	NUM
fsr-3930	506	130	%	%	NOUN
fsr-3930	506	131	70	70	NUM
fsr-3930	506	132	single	single	ADJ
fsr-3930	506	133	30	30	NUM
fsr-3930	506	134	%	%	NOUN
fsr-3930	506	135	70	70	NUM
fsr-3930	506	136	%	%	NOUN
fsr-3930	506	137	66	66	NUM
fsr-3930	506	138	%	%	NOUN
fsr-3930	506	139	34	34	NUM
fsr-3930	506	140	%	%	NOUN
fsr-3930	506	141	48	48	NUM
fsr-3930	506	142	%	%	NOUN
fsr-3930	506	143	52	52	NUM
fsr-3930	506	144	%	%	NOUN
fsr-3930	506	145	42	42	NUM
fsr-3930	506	146	%	%	NOUN
fsr-3930	506	147	58	58	NUM
fsr-3930	506	148	%	%	NOUN
fsr-3930	506	149	45	45	NUM
fsr-3930	506	150	%	%	NOUN
fsr-3930	506	151	55	55	NUM
fsr-3930	506	152	%	%	NOUN
fsr-3930	506	153	married	marry	VERB
fsr-3930	506	154	30	30	NUM
fsr-3930	506	155	%	%	NOUN
fsr-3930	506	156	70	70	NUM
fsr-3930	506	157	%	%	NOUN
fsr-3930	506	158	90	90	NUM
fsr-3930	506	159	%	%	NOUN
fsr-3930	506	160	10	10	NUM
fsr-3930	506	161	%	%	NOUN
fsr-3930	506	162	60	60	NUM
fsr-3930	506	163	%	%	NOUN
fsr-3930	506	164	40	40	NUM
fsr-3930	506	165	%	%	NOUN
fsr-3930	506	166	50	50	NUM
fsr-3930	506	167	%	%	NOUN
fsr-3930	506	168	50	50	NUM
fsr-3930	506	169	%	%	NOUN
fsr-3930	506	170	55	55	NUM
fsr-3930	506	171	%	%	NOUN
fsr-3930	506	172	45	45	NUM
fsr-3930	506	173	%	%	NOUN
fsr-3930	506	174	80	80	NUM
fsr-3930	506	175	single	single	ADJ
fsr-3930	506	176	30	30	NUM
fsr-3930	506	177	%	%	NOUN
fsr-3930	506	178	70	70	NUM
fsr-3930	506	179	%	%	NOUN
fsr-3930	506	180	74	74	NUM
fsr-3930	506	181	%	%	NOUN
fsr-3930	506	182	26	26	NUM
fsr-3930	506	183	%	%	NOUN
fsr-3930	506	184	52	52	NUM
fsr-3930	506	185	%	%	NOUN
fsr-3930	506	186	48	48	NUM
fsr-3930	506	187	%	%	NOUN
fsr-3930	506	188	45	45	NUM
fsr-3930	506	189	%	%	NOUN
fsr-3930	506	190	55	55	NUM
fsr-3930	506	191	%	%	NOUN
fsr-3930	506	192	48	48	NUM
fsr-3930	506	193	%	%	NOUN
fsr-3930	506	194	52	52	NUM
fsr-3930	506	195	%	%	NOUN
fsr-3930	506	196	married	marry	VERB
fsr-3930	506	197	30	30	NUM
fsr-3930	506	198	%	%	NOUN
fsr-3930	506	199	70	70	NUM
fsr-3930	506	200	%	%	NOUN
fsr-3930	506	201	107	107	NUM
fsr-3930	506	202	%	%	NOUN
fsr-3930	506	203	�	�	NOUN
fsr-3930	506	204	7	7	NUM
fsr-3930	506	205	%	%	NOUN
fsr-3930	506	206	69	69	NUM
fsr-3930	506	207	%	%	NOUN
fsr-3930	506	208	31	31	NUM
fsr-3930	506	209	%	%	NOUN
fsr-3930	506	210	56	56	NUM
fsr-3930	506	211	%	%	NOUN
fsr-3930	506	212	44	44	NUM
fsr-3930	506	213	%	%	NOUN
fsr-3930	506	214	62	62	NUM
fsr-3930	506	215	%	%	NOUN
fsr-3930	506	216	38	38	NUM
fsr-3930	506	217	%	%	NOUN
fsr-3930	506	218	required	require	VERB
fsr-3930	506	219	financial	financial	ADJ
fsr-3930	506	220	portfolio	portfolio	NOUN
fsr-3930	506	221	asset	asset	NOUN
fsr-3930	506	222	allocation	allocation	NOUN
fsr-3930	506	223	necessary	necessary	ADJ
fsr-3930	506	224	to	to	PART
fsr-3930	506	225	achieve	achieve	VERB
fsr-3930	506	226	a	a	DET
fsr-3930	506	227	consensus	consensus	NOUN
fsr-3930	506	228	-	-	PUNCT
fsr-3930	506	229	expert	expert	NOUN
fsr-3930	506	230	asset	asset	NOUN
fsr-3930	506	231	allocation	allocation	NOUN
fsr-3930	506	232	in	in	ADP
fsr-3930	506	233	the	the	DET
fsr-3930	506	234	expanded	expand	VERB
fsr-3930	506	235	portfolio	portfolio	NOUN
fsr-3930	506	236	,	,	PUNCT
fsr-3930	506	237	which	which	PRON
fsr-3930	506	238	includes	include	VERB
fsr-3930	506	239	social	social	ADJ
fsr-3930	506	240	security	security	NOUN
fsr-3930	506	241	wealth	wealth	NOUN
fsr-3930	506	242	.	.	PUNCT
fsr-3930	507	1	the	the	DET
fsr-3930	507	2	consensus	consensus	NOUN
fsr-3930	507	3	-	-	PUNCT
fsr-3930	507	4	expert	expert	NOUN
fsr-3930	507	5	mix	mix	NOUN
fsr-3930	507	6	is	be	AUX
fsr-3930	507	7	per	per	ADP
fsr-3930	507	8	malkiel	malkiel	NOUN
fsr-3930	507	9	(	(	PUNCT
fsr-3930	507	10	1996	1996	NUM
fsr-3930	507	11	)	)	PUNCT
fsr-3930	507	12	.	.	PUNCT
fsr-3930	508	1	social	social	ADJ
fsr-3930	508	2	security	security	NOUN
fsr-3930	508	3	wealth	wealth	NOUN
fsr-3930	508	4	is	be	AUX
fsr-3930	508	5	treated	treat	VERB
fsr-3930	508	6	as	as	ADP
fsr-3930	508	7	a	a	DET
fsr-3930	508	8	bond	bond	NOUN
fsr-3930	508	9	and	and	CCONJ
fsr-3930	508	10	uses	use	VERB
fsr-3930	508	11	values	value	NOUN
fsr-3930	508	12	from	from	ADP
fsr-3930	508	13	table	table	NOUN
fsr-3930	508	14	1	1	NUM
fsr-3930	508	15	computed	compute	VERB
fsr-3930	508	16	using	use	VERB
fsr-3930	508	17	real	real	ADJ
fsr-3930	508	18	tips	tip	NOUN
fsr-3930	508	19	yields	yield	NOUN
fsr-3930	508	20	for	for	ADP
fsr-3930	508	21	a	a	DET
fsr-3930	508	22	high	high	ADV
fsr-3930	508	23	-	-	PUNCT
fsr-3930	508	24	earning	earn	VERB
fsr-3930	508	25	worker	worker	NOUN
fsr-3930	508	26	.	.	PUNCT
fsr-3930	509	1	savings	saving	NOUN
fsr-3930	509	2	rates	rate	NOUN
fsr-3930	509	3	are	be	AUX
fsr-3930	509	4	applied	apply	VERB
fsr-3930	509	5	over	over	ADP
fsr-3930	509	6	a	a	DET
fsr-3930	509	7	working	work	VERB
fsr-3930	509	8	lifetime	lifetime	NOUN
fsr-3930	509	9	to	to	PART
fsr-3930	509	10	create	create	VERB
fsr-3930	509	11	financial	financial	ADJ
fsr-3930	509	12	portfolio	portfolio	NOUN
fsr-3930	509	13	values	value	NOUN
fsr-3930	509	14	;	;	PUNCT
fsr-3930	509	15	mnd	mnd	PROPN
fsr-3930	509	16	saver	saver	NOUN
fsr-3930	509	17	’s	’s	PART
fsr-3930	509	18	financial	financial	ADJ
fsr-3930	509	19	portfolios	portfolio	NOUN
fsr-3930	509	20	are	be	AUX
fsr-3930	509	21	computed	compute	VERB
fsr-3930	509	22	for	for	ADP
fsr-3930	509	23	“	"	PUNCT
fsr-3930	509	24	prodigious	prodigious	ADJ
fsr-3930	509	25	accumulator[s	accumulator[s	NOUN
fsr-3930	509	26	]	]	PUNCT
fsr-3930	509	27	of	of	ADP
fsr-3930	509	28	wealth	wealth	NOUN
fsr-3930	509	29	”	"	PUNCT
fsr-3930	509	30	per	per	ADP
fsr-3930	509	31	stanley	stanley	NOUN
fsr-3930	509	32	and	and	CCONJ
fsr-3930	509	33	danko	danko	PROPN
fsr-3930	509	34	(	(	PUNCT
fsr-3930	509	35	1996	1996	NUM
fsr-3930	509	36	)	)	PUNCT
fsr-3930	509	37	.	.	PUNCT
fsr-3930	510	1	stock	stock	NOUN
fsr-3930	510	2	positions	position	NOUN
fsr-3930	510	3	greater	great	ADJ
fsr-3930	510	4	than	than	ADP
fsr-3930	510	5	100	100	NUM
fsr-3930	510	6	%	%	NOUN
fsr-3930	510	7	are	be	AUX
fsr-3930	510	8	purchased	purchase	VERB
fsr-3930	510	9	on	on	ADP
fsr-3930	510	10	margin	margin	NOUN
fsr-3930	510	11	;	;	PUNCT
fsr-3930	510	12	negative	negative	ADJ
fsr-3930	510	13	bond	bond	NOUN
fsr-3930	510	14	positions	position	NOUN
fsr-3930	510	15	represent	represent	VERB
fsr-3930	510	16	margin	margin	NOUN
fsr-3930	510	17	borrowing	borrowing	NOUN
fsr-3930	510	18	.	.	PUNCT
fsr-3930	511	1	316	316	NUM
fsr-3930	511	2	s.p	s.p	PROPN
fsr-3930	511	3	.	.	PROPN
fsr-3930	511	4	fraser	fraser	PROPN
fsr-3930	511	5	et	et	PROPN
fsr-3930	511	6	al	al	PROPN
fsr-3930	511	7	.	.	PUNCT
fsr-3930	511	8	/	/	SYM
fsr-3930	511	9	financial	financial	ADJ
fsr-3930	511	10	services	service	NOUN
fsr-3930	511	11	review	review	VERB
fsr-3930	511	12	9	9	NUM
fsr-3930	511	13	(	(	PUNCT
fsr-3930	511	14	2000	2000	NUM
fsr-3930	511	15	)	)	PUNCT
fsr-3930	512	1	295–326	295–326	NUM
fsr-3930	512	2	table	table	NOUN
fsr-3930	512	3	9	9	NUM
fsr-3930	512	4	.	.	PUNCT
fsr-3930	512	5	implications	implication	NOUN
fsr-3930	512	6	of	of	ADP
fsr-3930	512	7	mvo	mvo	PROPN
fsr-3930	512	8	for	for	ADP
fsr-3930	512	9	the	the	DET
fsr-3930	512	10	expanded	expand	VERB
fsr-3930	512	11	portfolio	portfolio	NOUN
fsr-3930	512	12	including	include	VERB
fsr-3930	512	13	social	social	ADJ
fsr-3930	512	14	security	security	NOUN
fsr-3930	512	15	risk	risk	NOUN
fsr-3930	512	16	aversion	aversion	NOUN
fsr-3930	512	17	actual	actual	ADJ
fsr-3930	512	18	financial	financial	ADJ
fsr-3930	512	19	portfolio	portfolio	NOUN
fsr-3930	512	20	resultant	resultant	NOUN
fsr-3930	512	21	expanded	expand	VERB
fsr-3930	512	22	portfolio	portfolio	NOUN
fsr-3930	512	23	including	include	VERB
fsr-3930	512	24	social	social	ADJ
fsr-3930	512	25	security	security	NOUN
fsr-3930	512	26	wealth	wealth	NOUN
fsr-3930	512	27	5	5	NUM
fsr-3930	512	28	%	%	NOUN
fsr-3930	512	29	saver	saver	ADJ
fsr-3930	512	30	10	10	NUM
fsr-3930	512	31	%	%	NOUN
fsr-3930	512	32	saver	saver	ADJ
fsr-3930	512	33	15	15	NUM
fsr-3930	512	34	%	%	NOUN
fsr-3930	512	35	saver	saver	ADJ
fsr-3930	512	36	mnd	mnd	NOUN
fsr-3930	512	37	saver	saver	ADJ
fsr-3930	512	38	status	status	NOUN
fsr-3930	512	39	�	�	PROPN
fsr-3930	512	40	stocks	stock	NOUN
fsr-3930	512	41	bonds	bond	VERB
fsr-3930	512	42	stocks	stock	NOUN
fsr-3930	512	43	bonds	bond	NOUN
fsr-3930	512	44	soc	soc	NOUN
fsr-3930	512	45	sec	sec	PROPN
fsr-3930	512	46	stocks	stock	NOUN
fsr-3930	512	47	bonds	bond	NOUN
fsr-3930	512	48	soc	soc	NOUN
fsr-3930	512	49	sec	sec	PROPN
fsr-3930	512	50	stocks	stock	NOUN
fsr-3930	512	51	bonds	bond	NOUN
fsr-3930	512	52	soc	soc	NOUN
fsr-3930	512	53	sec	sec	PROPN
fsr-3930	512	54	stocks	stock	NOUN
fsr-3930	512	55	bonds	bond	NOUN
fsr-3930	512	56	soc	soc	NOUN
fsr-3930	512	57	sec	sec	PROPN
fsr-3930	512	58	single	single	ADJ
fsr-3930	512	59	fifty	fifty	NUM
fsr-3930	512	60	-	-	PUNCT
fsr-3930	512	61	year	year	NOUN
fsr-3930	512	62	-	-	PUNCT
fsr-3930	512	63	old	old	ADJ
fsr-3930	512	64	0.274	0.274	NUM
fsr-3930	512	65	100	100	NUM
fsr-3930	512	66	%	%	NOUN
fsr-3930	512	67	0	0	NUM
fsr-3930	512	68	%	%	NOUN
fsr-3930	512	69	63	63	NUM
fsr-3930	512	70	%	%	NOUN
fsr-3930	512	71	�	�	NOUN
fsr-3930	512	72	4	4	NUM
fsr-3930	512	73	%	%	NOUN
fsr-3930	512	74	41	41	NUM
fsr-3930	512	75	%	%	NOUN
fsr-3930	512	76	76	76	NUM
fsr-3930	512	77	%	%	NOUN
fsr-3930	512	78	�	�	NOUN
fsr-3930	512	79	2	2	NUM
fsr-3930	512	80	%	%	NOUN
fsr-3930	512	81	26	26	NUM
fsr-3930	512	82	%	%	NOUN
fsr-3930	512	83	82	82	NUM
fsr-3930	512	84	%	%	NOUN
fsr-3930	512	85	�	�	NOUN
fsr-3930	512	86	1	1	NUM
fsr-3930	512	87	%	%	NOUN
fsr-3930	512	88	19	19	NUM
fsr-3930	512	89	%	%	NOUN
fsr-3930	512	90	78	78	NUM
fsr-3930	512	91	%	%	NOUN
fsr-3930	512	92	�	�	NOUN
fsr-3930	512	93	1	1	NUM
fsr-3930	512	94	%	%	NOUN
fsr-3930	512	95	23	23	NUM
fsr-3930	512	96	%	%	NOUN
fsr-3930	512	97	0.279	0.279	NUM
fsr-3930	512	98	90	90	NUM
fsr-3930	512	99	%	%	NOUN
fsr-3930	512	100	10	10	NUM
fsr-3930	512	101	%	%	NOUN
fsr-3930	512	102	57	57	NUM
fsr-3930	512	103	%	%	NOUN
fsr-3930	512	104	2	2	NUM
fsr-3930	512	105	%	%	NOUN
fsr-3930	512	106	41	41	NUM
fsr-3930	512	107	%	%	NOUN
fsr-3930	512	108	69	69	NUM
fsr-3930	512	109	%	%	NOUN
fsr-3930	512	110	5	5	NUM
fsr-3930	512	111	%	%	NOUN
fsr-3930	512	112	26	26	NUM
fsr-3930	512	113	%	%	NOUN
fsr-3930	512	114	75	75	NUM
fsr-3930	512	115	%	%	NOUN
fsr-3930	512	116	6	6	NUM
fsr-3930	512	117	%	%	NOUN
fsr-3930	512	118	19	19	NUM
fsr-3930	512	119	%	%	NOUN
fsr-3930	512	120	71	71	NUM
fsr-3930	512	121	%	%	NOUN
fsr-3930	512	122	6	6	NUM
fsr-3930	512	123	%	%	NOUN
fsr-3930	512	124	23	23	NUM
fsr-3930	512	125	%	%	NOUN
fsr-3930	512	126	0.286	0.286	NUM
fsr-3930	512	127	80	80	NUM
fsr-3930	512	128	%	%	NOUN
fsr-3930	512	129	20	20	NUM
fsr-3930	512	130	%	%	NOUN
fsr-3930	512	131	51	51	NUM
fsr-3930	512	132	%	%	NOUN
fsr-3930	512	133	8	8	NUM
fsr-3930	512	134	%	%	NOUN
fsr-3930	512	135	41	41	NUM
fsr-3930	512	136	%	%	NOUN
fsr-3930	512	137	62	62	NUM
fsr-3930	512	138	%	%	NOUN
fsr-3930	512	139	12	12	NUM
fsr-3930	512	140	%	%	NOUN
fsr-3930	512	141	26	26	NUM
fsr-3930	512	142	%	%	NOUN
fsr-3930	512	143	67	67	NUM
fsr-3930	512	144	%	%	NOUN
fsr-3930	512	145	14	14	NUM
fsr-3930	512	146	%	%	NOUN
fsr-3930	512	147	19	19	NUM
fsr-3930	512	148	%	%	NOUN
fsr-3930	512	149	64	64	NUM
fsr-3930	512	150	%	%	NOUN
fsr-3930	512	151	13	13	NUM
fsr-3930	512	152	%	%	NOUN
fsr-3930	512	153	23	23	NUM
fsr-3930	512	154	%	%	NOUN
fsr-3930	512	155	0.296	0.296	NUM
fsr-3930	512	156	70	70	NUM
fsr-3930	512	157	%	%	NOUN
fsr-3930	512	158	30	30	NUM
fsr-3930	512	159	%	%	NOUN
fsr-3930	512	160	45	45	NUM
fsr-3930	512	161	%	%	NOUN
fsr-3930	512	162	14	14	NUM
fsr-3930	512	163	%	%	NOUN
fsr-3930	512	164	41	41	NUM
fsr-3930	512	165	%	%	NOUN
fsr-3930	512	166	54	54	NUM
fsr-3930	512	167	%	%	NOUN
fsr-3930	512	168	20	20	NUM
fsr-3930	512	169	%	%	NOUN
fsr-3930	512	170	26	26	NUM
fsr-3930	512	171	%	%	NOUN
fsr-3930	512	172	58	58	NUM
fsr-3930	512	173	%	%	NOUN
fsr-3930	512	174	23	23	NUM
fsr-3930	512	175	%	%	NOUN
fsr-3930	512	176	19	19	NUM
fsr-3930	512	177	%	%	NOUN
fsr-3930	512	178	56	56	NUM
fsr-3930	512	179	%	%	NOUN
fsr-3930	512	180	21	21	NUM
fsr-3930	512	181	%	%	NOUN
fsr-3930	512	182	23	23	NUM
fsr-3930	512	183	%	%	NOUN
fsr-3930	512	184	0.310	0.310	NUM
fsr-3930	512	185	60	60	NUM
fsr-3930	512	186	%	%	NOUN
fsr-3930	512	187	40	40	NUM
fsr-3930	512	188	%	%	NOUN
fsr-3930	512	189	39	39	NUM
fsr-3930	512	190	%	%	NOUN
fsr-3930	512	191	20	20	NUM
fsr-3930	512	192	%	%	NOUN
fsr-3930	512	193	41	41	NUM
fsr-3930	512	194	%	%	NOUN
fsr-3930	512	195	47	47	NUM
fsr-3930	512	196	%	%	NOUN
fsr-3930	512	197	27	27	NUM
fsr-3930	512	198	%	%	NOUN
fsr-3930	512	199	26	26	NUM
fsr-3930	512	200	%	%	NOUN
fsr-3930	512	201	50	50	NUM
fsr-3930	512	202	%	%	NOUN
fsr-3930	512	203	31	31	NUM
fsr-3930	512	204	%	%	NOUN
fsr-3930	512	205	19	19	NUM
fsr-3930	512	206	%	%	NOUN
fsr-3930	512	207	48	48	NUM
fsr-3930	512	208	%	%	NOUN
fsr-3930	512	209	29	29	NUM
fsr-3930	512	210	%	%	NOUN
fsr-3930	512	211	23	23	NUM
fsr-3930	512	212	%	%	NOUN
fsr-3930	512	213	0.330	0.330	NUM
fsr-3930	512	214	50	50	NUM
fsr-3930	512	215	%	%	NOUN
fsr-3930	512	216	50	50	NUM
fsr-3930	512	217	%	%	NOUN
fsr-3930	512	218	33	33	NUM
fsr-3930	512	219	%	%	NOUN
fsr-3930	512	220	26	26	NUM
fsr-3930	512	221	%	%	NOUN
fsr-3930	512	222	41	41	NUM
fsr-3930	512	223	%	%	NOUN
fsr-3930	512	224	39	39	NUM
fsr-3930	512	225	%	%	NOUN
fsr-3930	512	226	35	35	NUM
fsr-3930	512	227	%	%	NOUN
fsr-3930	512	228	26	26	NUM
fsr-3930	512	229	%	%	NOUN
fsr-3930	512	230	42	42	NUM
fsr-3930	512	231	%	%	NOUN
fsr-3930	512	232	39	39	NUM
fsr-3930	512	233	%	%	NOUN
fsr-3930	512	234	19	19	NUM
fsr-3930	512	235	%	%	NOUN
fsr-3930	512	236	40	40	NUM
fsr-3930	512	237	%	%	NOUN
fsr-3930	512	238	37	37	NUM
fsr-3930	512	239	%	%	NOUN
fsr-3930	512	240	23	23	NUM
fsr-3930	512	241	%	%	NOUN
fsr-3930	512	242	0.360	0.360	NUM
fsr-3930	512	243	40	40	NUM
fsr-3930	512	244	%	%	NOUN
fsr-3930	512	245	60	60	NUM
fsr-3930	512	246	%	%	NOUN
fsr-3930	512	247	27	27	NUM
fsr-3930	512	248	%	%	NOUN
fsr-3930	512	249	32	32	NUM
fsr-3930	512	250	%	%	NOUN
fsr-3930	512	251	41	41	NUM
fsr-3930	512	252	%	%	NOUN
fsr-3930	512	253	32	32	NUM
fsr-3930	512	254	%	%	NOUN
fsr-3930	512	255	42	42	NUM
fsr-3930	512	256	%	%	NOUN
fsr-3930	512	257	26	26	NUM
fsr-3930	512	258	%	%	NOUN
fsr-3930	512	259	34	34	NUM
fsr-3930	512	260	%	%	NOUN
fsr-3930	512	261	47	47	NUM
fsr-3930	512	262	%	%	NOUN
fsr-3930	512	263	19	19	NUM
fsr-3930	512	264	%	%	NOUN
fsr-3930	512	265	33	33	NUM
fsr-3930	512	266	%	%	NOUN
fsr-3930	512	267	44	44	NUM
fsr-3930	512	268	%	%	NOUN
fsr-3930	512	269	23	23	NUM
fsr-3930	512	270	%	%	NOUN
fsr-3930	512	271	0.410	0.410	NUM
fsr-3930	512	272	30	30	NUM
fsr-3930	512	273	%	%	NOUN
fsr-3930	512	274	70	70	NUM
fsr-3930	512	275	%	%	NOUN
fsr-3930	512	276	21	21	NUM
fsr-3930	512	277	%	%	NOUN
fsr-3930	512	278	38	38	NUM
fsr-3930	512	279	%	%	NOUN
fsr-3930	512	280	41	41	NUM
fsr-3930	512	281	%	%	NOUN
fsr-3930	512	282	24	24	NUM
fsr-3930	512	283	%	%	NOUN
fsr-3930	512	284	50	50	NUM
fsr-3930	512	285	%	%	NOUN
fsr-3930	512	286	26	26	NUM
fsr-3930	512	287	%	%	NOUN
fsr-3930	512	288	26	26	NUM
fsr-3930	512	289	%	%	NOUN
fsr-3930	512	290	55	55	NUM
fsr-3930	512	291	%	%	NOUN
fsr-3930	512	292	19	19	NUM
fsr-3930	512	293	%	%	NOUN
fsr-3930	512	294	25	25	NUM
fsr-3930	512	295	%	%	NOUN
fsr-3930	512	296	52	52	NUM
fsr-3930	512	297	%	%	NOUN
fsr-3930	512	298	23	23	NUM
fsr-3930	512	299	%	%	NOUN
fsr-3930	512	300	0.500	0.500	NUM
fsr-3930	512	301	20	20	NUM
fsr-3930	512	302	%	%	NOUN
fsr-3930	512	303	80	80	NUM
fsr-3930	512	304	%	%	NOUN
fsr-3930	512	305	15	15	NUM
fsr-3930	512	306	%	%	NOUN
fsr-3930	512	307	44	44	NUM
fsr-3930	512	308	%	%	NOUN
fsr-3930	512	309	41	41	NUM
fsr-3930	512	310	%	%	NOUN
fsr-3930	512	311	17	17	NUM
fsr-3930	512	312	%	%	NOUN
fsr-3930	512	313	57	57	NUM
fsr-3930	512	314	%	%	NOUN
fsr-3930	512	315	26	26	NUM
fsr-3930	512	316	%	%	NOUN
fsr-3930	512	317	18	18	NUM
fsr-3930	512	318	%	%	NOUN
fsr-3930	512	319	63	63	NUM
fsr-3930	512	320	%	%	NOUN
fsr-3930	512	321	19	19	NUM
fsr-3930	512	322	%	%	NOUN
fsr-3930	512	323	17	17	NUM
fsr-3930	512	324	%	%	NOUN
fsr-3930	512	325	60	60	NUM
fsr-3930	512	326	%	%	NOUN
fsr-3930	512	327	23	23	NUM
fsr-3930	512	328	%	%	NOUN
fsr-3930	512	329	0.691	0.691	NUM
fsr-3930	512	330	10	10	NUM
fsr-3930	512	331	%	%	NOUN
fsr-3930	512	332	90	90	NUM
fsr-3930	512	333	%	%	NOUN
fsr-3930	512	334	8	8	NUM
fsr-3930	512	335	%	%	NOUN
fsr-3930	512	336	51	51	NUM
fsr-3930	512	337	%	%	NOUN
fsr-3930	512	338	41	41	NUM
fsr-3930	512	339	%	%	NOUN
fsr-3930	512	340	9	9	NUM
fsr-3930	512	341	%	%	NOUN
fsr-3930	512	342	65	65	NUM
fsr-3930	512	343	%	%	NOUN
fsr-3930	512	344	26	26	NUM
fsr-3930	512	345	%	%	NOUN
fsr-3930	512	346	9	9	NUM
fsr-3930	512	347	%	%	NOUN
fsr-3930	512	348	72	72	NUM
fsr-3930	512	349	%	%	NOUN
fsr-3930	512	350	19	19	NUM
fsr-3930	512	351	%	%	NOUN
fsr-3930	512	352	9	9	NUM
fsr-3930	512	353	%	%	NOUN
fsr-3930	512	354	68	68	NUM
fsr-3930	512	355	%	%	NOUN
fsr-3930	512	356	23	23	NUM
fsr-3930	512	357	%	%	NOUN
fsr-3930	512	358	1.273	1.273	NUM
fsr-3930	512	359	0	0	NUM
fsr-3930	512	360	%	%	NOUN
fsr-3930	512	361	100	100	NUM
fsr-3930	512	362	%	%	NOUN
fsr-3930	512	363	2	2	NUM
fsr-3930	512	364	%	%	NOUN
fsr-3930	512	365	57	57	NUM
fsr-3930	512	366	%	%	NOUN
fsr-3930	512	367	41	41	NUM
fsr-3930	512	368	%	%	NOUN
fsr-3930	512	369	2	2	NUM
fsr-3930	512	370	%	%	NOUN
fsr-3930	512	371	72	72	NUM
fsr-3930	512	372	%	%	NOUN
fsr-3930	512	373	26	26	NUM
fsr-3930	512	374	%	%	NOUN
fsr-3930	512	375	1	1	NUM
fsr-3930	512	376	%	%	NOUN
fsr-3930	512	377	80	80	NUM
fsr-3930	512	378	%	%	NOUN
fsr-3930	512	379	19	19	NUM
fsr-3930	512	380	%	%	NOUN
fsr-3930	512	381	2	2	NUM
fsr-3930	512	382	%	%	NOUN
fsr-3930	512	383	75	75	NUM
fsr-3930	512	384	%	%	NOUN
fsr-3930	512	385	23	23	NUM
fsr-3930	512	386	%	%	NOUN
fsr-3930	512	387	actual	actual	ADJ
fsr-3930	512	388	financial	financial	ADJ
fsr-3930	512	389	5	5	NUM
fsr-3930	512	390	%	%	NOUN
fsr-3930	512	391	saver	saver	ADJ
fsr-3930	512	392	10	10	NUM
fsr-3930	512	393	%	%	NOUN
fsr-3930	512	394	saver	saver	ADJ
fsr-3930	512	395	15	15	NUM
fsr-3930	512	396	%	%	NOUN
fsr-3930	512	397	saver	saver	ADJ
fsr-3930	512	398	mnd	mnd	NOUN
fsr-3930	512	399	saver	saver	ADJ
fsr-3930	512	400	stocks	stock	NOUN
fsr-3930	512	401	bonds	bond	VERB
fsr-3930	512	402	stocks	stock	NOUN
fsr-3930	512	403	bonds	bond	NOUN
fsr-3930	512	404	soc	soc	NOUN
fsr-3930	512	405	sec	sec	PROPN
fsr-3930	512	406	stocks	stock	NOUN
fsr-3930	512	407	bonds	bond	NOUN
fsr-3930	512	408	soc	soc	NOUN
fsr-3930	512	409	sec	sec	PROPN
fsr-3930	512	410	stocks	stock	NOUN
fsr-3930	512	411	bonds	bond	NOUN
fsr-3930	512	412	soc	soc	NOUN
fsr-3930	512	413	sec	sec	PROPN
fsr-3930	512	414	stocks	stock	NOUN
fsr-3930	512	415	bonds	bond	NOUN
fsr-3930	512	416	soc	soc	NOUN
fsr-3930	512	417	sec	sec	PROPN
fsr-3930	512	418	married	marry	VERB
fsr-3930	512	419	fifty	fifty	NUM
fsr-3930	512	420	-	-	PUNCT
fsr-3930	512	421	year	year	NOUN
fsr-3930	512	422	-	-	PUNCT
fsr-3930	512	423	old	old	ADJ
fsr-3930	512	424	0.274	0.274	NUM
fsr-3930	512	425	100	100	NUM
fsr-3930	512	426	%	%	NOUN
fsr-3930	512	427	0	0	NUM
fsr-3930	512	428	%	%	NOUN
fsr-3930	512	429	53	53	NUM
fsr-3930	512	430	%	%	NOUN
fsr-3930	512	431	�	�	NOUN
fsr-3930	512	432	7	7	NUM
fsr-3930	512	433	%	%	NOUN
fsr-3930	512	434	54	54	NUM
fsr-3930	512	435	%	%	NOUN
fsr-3930	512	436	66	66	NUM
fsr-3930	512	437	%	%	NOUN
fsr-3930	512	438	�	�	NOUN
fsr-3930	512	439	3	3	NUM
fsr-3930	512	440	%	%	NOUN
fsr-3930	512	441	37	37	NUM
fsr-3930	512	442	%	%	NOUN
fsr-3930	512	443	74	74	NUM
fsr-3930	512	444	%	%	NOUN
fsr-3930	512	445	�	�	NOUN
fsr-3930	512	446	2	2	NUM
fsr-3930	512	447	%	%	NOUN
fsr-3930	512	448	28	28	NUM
fsr-3930	512	449	%	%	NOUN
fsr-3930	512	450	70	70	NUM
fsr-3930	512	451	%	%	NOUN
fsr-3930	512	452	�	�	NOUN
fsr-3930	512	453	3	3	NUM
fsr-3930	512	454	%	%	NOUN
fsr-3930	512	455	33	33	NUM
fsr-3930	512	456	%	%	NOUN
fsr-3930	512	457	0.279	0.279	NUM
fsr-3930	512	458	90	90	NUM
fsr-3930	512	459	%	%	NOUN
fsr-3930	512	460	10	10	NUM
fsr-3930	512	461	%	%	NOUN
fsr-3930	512	462	48	48	NUM
fsr-3930	512	463	%	%	NOUN
fsr-3930	512	464	�	�	NOUN
fsr-3930	512	465	2	2	NUM
fsr-3930	512	466	%	%	NOUN
fsr-3930	512	467	54	54	NUM
fsr-3930	512	468	%	%	NOUN
fsr-3930	512	469	60	60	NUM
fsr-3930	512	470	%	%	NOUN
fsr-3930	512	471	3	3	NUM
fsr-3930	512	472	%	%	NOUN
fsr-3930	512	473	37	37	NUM
fsr-3930	512	474	%	%	NOUN
fsr-3930	512	475	67	67	NUM
fsr-3930	512	476	%	%	NOUN
fsr-3930	512	477	5	5	NUM
fsr-3930	512	478	%	%	NOUN
fsr-3930	512	479	28	28	NUM
fsr-3930	512	480	%	%	NOUN
fsr-3930	512	481	64	64	NUM
fsr-3930	512	482	%	%	NOUN
fsr-3930	512	483	3	3	NUM
fsr-3930	512	484	%	%	NOUN
fsr-3930	512	485	33	33	NUM
fsr-3930	512	486	%	%	NOUN
fsr-3930	512	487	0.286	0.286	NUM
fsr-3930	512	488	80	80	NUM
fsr-3930	512	489	%	%	NOUN
fsr-3930	512	490	20	20	NUM
fsr-3930	512	491	%	%	NOUN
fsr-3930	512	492	43	43	NUM
fsr-3930	512	493	%	%	NOUN
fsr-3930	512	494	3	3	NUM
fsr-3930	512	495	%	%	NOUN
fsr-3930	512	496	54	54	NUM
fsr-3930	512	497	%	%	NOUN
fsr-3930	512	498	54	54	NUM
fsr-3930	512	499	%	%	NOUN
fsr-3930	512	500	9	9	NUM
fsr-3930	512	501	%	%	NOUN
fsr-3930	512	502	37	37	NUM
fsr-3930	512	503	%	%	NOUN
fsr-3930	512	504	60	60	NUM
fsr-3930	512	505	%	%	NOUN
fsr-3930	512	506	12	12	NUM
fsr-3930	512	507	%	%	NOUN
fsr-3930	512	508	28	28	NUM
fsr-3930	512	509	%	%	NOUN
fsr-3930	512	510	57	57	NUM
fsr-3930	512	511	%	%	NOUN
fsr-3930	512	512	10	10	NUM
fsr-3930	512	513	%	%	NOUN
fsr-3930	512	514	33	33	NUM
fsr-3930	512	515	%	%	NOUN
fsr-3930	512	516	0.296	0.296	NUM
fsr-3930	512	517	70	70	NUM
fsr-3930	512	518	%	%	NOUN
fsr-3930	512	519	30	30	NUM
fsr-3930	512	520	%	%	NOUN
fsr-3930	512	521	38	38	NUM
fsr-3930	512	522	%	%	NOUN
fsr-3930	512	523	8	8	NUM
fsr-3930	512	524	%	%	NOUN
fsr-3930	512	525	54	54	NUM
fsr-3930	512	526	%	%	NOUN
fsr-3930	512	527	47	47	NUM
fsr-3930	512	528	%	%	NOUN
fsr-3930	512	529	16	16	NUM
fsr-3930	512	530	%	%	NOUN
fsr-3930	512	531	37	37	NUM
fsr-3930	512	532	%	%	NOUN
fsr-3930	512	533	53	53	NUM
fsr-3930	512	534	%	%	NOUN
fsr-3930	512	535	19	19	NUM
fsr-3930	512	536	%	%	NOUN
fsr-3930	512	537	28	28	NUM
fsr-3930	512	538	%	%	NOUN
fsr-3930	512	539	50	50	NUM
fsr-3930	512	540	%	%	NOUN
fsr-3930	512	541	17	17	NUM
fsr-3930	512	542	%	%	NOUN
fsr-3930	512	543	33	33	NUM
fsr-3930	512	544	%	%	NOUN
fsr-3930	512	545	0.310	0.310	NUM
fsr-3930	512	546	60	60	NUM
fsr-3930	512	547	%	%	NOUN
fsr-3930	512	548	40	40	NUM
fsr-3930	512	549	%	%	NOUN
fsr-3930	512	550	33	33	NUM
fsr-3930	512	551	%	%	NOUN
fsr-3930	512	552	13	13	NUM
fsr-3930	512	553	%	%	NOUN
fsr-3930	512	554	54	54	NUM
fsr-3930	512	555	%	%	NOUN
fsr-3930	512	556	41	41	NUM
fsr-3930	512	557	%	%	NOUN
fsr-3930	512	558	22	22	NUM
fsr-3930	512	559	%	%	NOUN
fsr-3930	512	560	37	37	NUM
fsr-3930	512	561	%	%	NOUN
fsr-3930	512	562	46	46	NUM
fsr-3930	512	563	%	%	NOUN
fsr-3930	512	564	26	26	NUM
fsr-3930	512	565	%	%	NOUN
fsr-3930	512	566	28	28	NUM
fsr-3930	512	567	%	%	NOUN
fsr-3930	512	568	43	43	NUM
fsr-3930	512	569	%	%	NOUN
fsr-3930	512	570	24	24	NUM
fsr-3930	512	571	%	%	NOUN
fsr-3930	512	572	33	33	NUM
fsr-3930	512	573	%	%	NOUN
fsr-3930	512	574	0.330	0.330	NUM
fsr-3930	512	575	50	50	NUM
fsr-3930	512	576	%	%	NOUN
fsr-3930	512	577	50	50	NUM
fsr-3930	512	578	%	%	NOUN
fsr-3930	512	579	28	28	NUM
fsr-3930	512	580	%	%	NOUN
fsr-3930	512	581	18	18	NUM
fsr-3930	512	582	%	%	NOUN
fsr-3930	512	583	54	54	NUM
fsr-3930	512	584	%	%	NOUN
fsr-3930	512	585	35	35	NUM
fsr-3930	512	586	%	%	NOUN
fsr-3930	512	587	28	28	NUM
fsr-3930	512	588	%	%	NOUN
fsr-3930	512	589	37	37	NUM
fsr-3930	512	590	%	%	NOUN
fsr-3930	512	591	38	38	NUM
fsr-3930	512	592	%	%	NOUN
fsr-3930	512	593	34	34	NUM
fsr-3930	512	594	%	%	NOUN
fsr-3930	512	595	28	28	NUM
fsr-3930	512	596	%	%	NOUN
fsr-3930	512	597	36	36	NUM
fsr-3930	512	598	%	%	NOUN
fsr-3930	512	599	31	31	NUM
fsr-3930	512	600	%	%	NOUN
fsr-3930	512	601	33	33	NUM
fsr-3930	512	602	%	%	NOUN
fsr-3930	512	603	0.360	0.360	NUM
fsr-3930	512	604	40	40	NUM
fsr-3930	512	605	%	%	NOUN
fsr-3930	512	606	60	60	NUM
fsr-3930	512	607	%	%	NOUN
fsr-3930	512	608	23	23	NUM
fsr-3930	512	609	%	%	NOUN
fsr-3930	512	610	23	23	NUM
fsr-3930	512	611	%	%	NOUN
fsr-3930	512	612	54	54	NUM
fsr-3930	512	613	%	%	NOUN
fsr-3930	512	614	28	28	NUM
fsr-3930	512	615	%	%	NOUN
fsr-3930	512	616	35	35	NUM
fsr-3930	512	617	%	%	NOUN
fsr-3930	512	618	37	37	NUM
fsr-3930	512	619	%	%	NOUN
fsr-3930	512	620	31	31	NUM
fsr-3930	512	621	%	%	NOUN
fsr-3930	512	622	41	41	NUM
fsr-3930	512	623	%	%	NOUN
fsr-3930	512	624	28	28	NUM
fsr-3930	512	625	%	%	NOUN
fsr-3930	512	626	29	29	NUM
fsr-3930	512	627	%	%	NOUN
fsr-3930	512	628	38	38	NUM
fsr-3930	512	629	%	%	NOUN
fsr-3930	512	630	33	33	NUM
fsr-3930	512	631	%	%	NOUN
fsr-3930	512	632	0.410	0.410	NUM
fsr-3930	512	633	30	30	NUM
fsr-3930	512	634	%	%	NOUN
fsr-3930	512	635	70	70	NUM
fsr-3930	512	636	%	%	NOUN
fsr-3930	512	637	18	18	NUM
fsr-3930	512	638	%	%	NOUN
fsr-3930	512	639	28	28	NUM
fsr-3930	512	640	%	%	NOUN
fsr-3930	512	641	54	54	NUM
fsr-3930	512	642	%	%	NOUN
fsr-3930	512	643	22	22	NUM
fsr-3930	512	644	%	%	NOUN
fsr-3930	512	645	41	41	NUM
fsr-3930	512	646	%	%	NOUN
fsr-3930	512	647	37	37	NUM
fsr-3930	512	648	%	%	NOUN
fsr-3930	512	649	24	24	NUM
fsr-3930	512	650	%	%	NOUN
fsr-3930	512	651	48	48	NUM
fsr-3930	512	652	%	%	NOUN
fsr-3930	512	653	28	28	NUM
fsr-3930	512	654	%	%	NOUN
fsr-3930	512	655	22	22	NUM
fsr-3930	512	656	%	%	NOUN
fsr-3930	512	657	45	45	NUM
fsr-3930	512	658	%	%	NOUN
fsr-3930	512	659	33	33	NUM
fsr-3930	512	660	%	%	NOUN
fsr-3930	512	661	0.500	0.500	NUM
fsr-3930	512	662	20	20	NUM
fsr-3930	512	663	%	%	NOUN
fsr-3930	512	664	80	80	NUM
fsr-3930	512	665	%	%	NOUN
fsr-3930	512	666	13	13	NUM
fsr-3930	512	667	%	%	NOUN
fsr-3930	512	668	33	33	NUM
fsr-3930	512	669	%	%	NOUN
fsr-3930	512	670	54	54	NUM
fsr-3930	512	671	%	%	NOUN
fsr-3930	512	672	15	15	NUM
fsr-3930	512	673	%	%	NOUN
fsr-3930	512	674	48	48	NUM
fsr-3930	512	675	%	%	NOUN
fsr-3930	512	676	37	37	NUM
fsr-3930	512	677	%	%	NOUN
fsr-3930	512	678	16	16	NUM
fsr-3930	512	679	%	%	NOUN
fsr-3930	512	680	56	56	NUM
fsr-3930	512	681	%	%	NOUN
fsr-3930	512	682	28	28	NUM
fsr-3930	512	683	%	%	NOUN
fsr-3930	512	684	16	16	NUM
fsr-3930	512	685	%	%	NOUN
fsr-3930	512	686	51	51	NUM
fsr-3930	512	687	%	%	NOUN
fsr-3930	512	688	33	33	NUM
fsr-3930	512	689	%	%	NOUN
fsr-3930	512	690	0.691	0.691	NUM
fsr-3930	512	691	10	10	NUM
fsr-3930	512	692	%	%	NOUN
fsr-3930	512	693	90	90	NUM
fsr-3930	512	694	%	%	NOUN
fsr-3930	512	695	8	8	NUM
fsr-3930	512	696	%	%	NOUN
fsr-3930	512	697	38	38	NUM
fsr-3930	512	698	%	%	NOUN
fsr-3930	512	699	54	54	NUM
fsr-3930	512	700	%	%	NOUN
fsr-3930	512	701	9	9	NUM
fsr-3930	512	702	%	%	NOUN
fsr-3930	512	703	54	54	NUM
fsr-3930	512	704	%	%	NOUN
fsr-3930	512	705	37	37	NUM
fsr-3930	512	706	%	%	NOUN
fsr-3930	512	707	9	9	NUM
fsr-3930	512	708	%	%	NOUN
fsr-3930	512	709	63	63	NUM
fsr-3930	512	710	%	%	NOUN
fsr-3930	512	711	28	28	NUM
fsr-3930	512	712	%	%	NOUN
fsr-3930	512	713	9	9	NUM
fsr-3930	512	714	%	%	NOUN
fsr-3930	512	715	58	58	NUM
fsr-3930	512	716	%	%	NOUN
fsr-3930	512	717	33	33	NUM
fsr-3930	512	718	%	%	NOUN
fsr-3930	512	719	1.273	1.273	NUM
fsr-3930	512	720	0	0	NUM
fsr-3930	512	721	%	%	NOUN
fsr-3930	512	722	100	100	NUM
fsr-3930	512	723	%	%	NOUN
fsr-3930	512	724	3	3	NUM
fsr-3930	512	725	%	%	NOUN
fsr-3930	512	726	43	43	NUM
fsr-3930	512	727	%	%	NOUN
fsr-3930	512	728	54	54	NUM
fsr-3930	512	729	%	%	NOUN
fsr-3930	512	730	2	2	NUM
fsr-3930	512	731	%	%	NOUN
fsr-3930	512	732	61	61	NUM
fsr-3930	512	733	%	%	NOUN
fsr-3930	512	734	37	37	NUM
fsr-3930	512	735	%	%	NOUN
fsr-3930	512	736	2	2	NUM
fsr-3930	512	737	%	%	NOUN
fsr-3930	512	738	70	70	NUM
fsr-3930	512	739	%	%	NOUN
fsr-3930	512	740	28	28	NUM
fsr-3930	512	741	%	%	NOUN
fsr-3930	512	742	2	2	NUM
fsr-3930	512	743	%	%	NOUN
fsr-3930	512	744	65	65	NUM
fsr-3930	512	745	%	%	NOUN
fsr-3930	512	746	33	33	NUM
fsr-3930	512	747	%	%	NOUN
fsr-3930	512	748	expanded	expand	VERB
fsr-3930	512	749	portfolio	portfolio	NOUN
fsr-3930	512	750	stock	stock	NOUN
fsr-3930	512	751	/	/	SYM
fsr-3930	512	752	bond	bond	NOUN
fsr-3930	512	753	/	/	SYM
fsr-3930	512	754	social	social	ADJ
fsr-3930	512	755	security	security	NOUN
fsr-3930	512	756	wealth	wealth	NOUN
fsr-3930	512	757	mix	mix	NOUN
fsr-3930	512	758	resulting	result	VERB
fsr-3930	512	759	from	from	ADP
fsr-3930	512	760	adding	add	VERB
fsr-3930	512	761	social	social	ADJ
fsr-3930	512	762	security	security	NOUN
fsr-3930	512	763	wealth	wealth	NOUN
fsr-3930	512	764	to	to	ADP
fsr-3930	512	765	a	a	DET
fsr-3930	512	766	financial	financial	ADJ
fsr-3930	512	767	portfolio	portfolio	NOUN
fsr-3930	512	768	with	with	ADP
fsr-3930	512	769	a	a	DET
fsr-3930	512	770	mean	mean	ADJ
fsr-3930	512	771	-	-	PUNCT
fsr-3930	512	772	variance	variance	NOUN
fsr-3930	512	773	optimal	optimal	ADJ
fsr-3930	512	774	asset	asset	NOUN
fsr-3930	512	775	allocation	allocation	NOUN
fsr-3930	512	776	for	for	ADP
fsr-3930	512	777	a	a	DET
fsr-3930	512	778	given	give	VERB
fsr-3930	512	779	risk	risk	NOUN
fsr-3930	512	780	aversion	aversion	NOUN
fsr-3930	512	781	level	level	NOUN
fsr-3930	512	782	�	�	PROPN
fsr-3930	512	783	.	.	PUNCT
fsr-3930	513	1	�	�	PROPN
fsr-3930	513	2	is	be	AUX
fsr-3930	513	3	the	the	DET
fsr-3930	513	4	risk	risk	NOUN
fsr-3930	513	5	aversion	aversion	NOUN
fsr-3930	513	6	from	from	ADP
fsr-3930	513	7	the	the	DET
fsr-3930	513	8	utility	utility	NOUN
fsr-3930	513	9	maximization	maximization	NOUN
fsr-3930	513	10	problem	problem	NOUN
fsr-3930	513	11	e(r	e(r	NUM
fsr-3930	513	12	)	)	PUNCT
fsr-3930	513	13	�	�	PROPN
fsr-3930	513	14	�	�	PROPN
fsr-3930	513	15	e	e	PROPN
fsr-3930	513	16	(	(	PUNCT
fsr-3930	513	17	�	�	PROPN
fsr-3930	513	18	)	)	PUNCT
fsr-3930	513	19	.	.	PUNCT
fsr-3930	514	1	social	social	ADJ
fsr-3930	514	2	security	security	NOUN
fsr-3930	514	3	wealth	wealth	NOUN
fsr-3930	514	4	is	be	AUX
fsr-3930	514	5	treated	treat	VERB
fsr-3930	514	6	as	as	ADP
fsr-3930	514	7	tips	tip	NOUN
fsr-3930	514	8	and	and	CCONJ
fsr-3930	514	9	uses	use	VERB
fsr-3930	514	10	values	value	NOUN
fsr-3930	514	11	from	from	ADP
fsr-3930	514	12	table	table	NOUN
fsr-3930	514	13	1	1	NUM
fsr-3930	514	14	computed	compute	VERB
fsr-3930	514	15	using	use	VERB
fsr-3930	514	16	real	real	ADJ
fsr-3930	514	17	tips	tip	NOUN
fsr-3930	514	18	yields	yield	NOUN
fsr-3930	514	19	for	for	ADP
fsr-3930	514	20	a	a	DET
fsr-3930	514	21	fifty	fifty	NUM
fsr-3930	514	22	-	-	PUNCT
fsr-3930	514	23	year	year	NOUN
fsr-3930	514	24	-	-	PUNCT
fsr-3930	514	25	old	old	ADJ
fsr-3930	514	26	high	high	ADJ
fsr-3930	514	27	-	-	PUNCT
fsr-3930	514	28	earning	earn	VERB
fsr-3930	514	29	worker	worker	NOUN
fsr-3930	514	30	.	.	PUNCT
fsr-3930	515	1	savings	saving	NOUN
fsr-3930	515	2	rates	rate	NOUN
fsr-3930	515	3	are	be	AUX
fsr-3930	515	4	applied	apply	VERB
fsr-3930	515	5	over	over	ADP
fsr-3930	515	6	a	a	DET
fsr-3930	515	7	working	work	VERB
fsr-3930	515	8	lifetime	lifetime	NOUN
fsr-3930	515	9	to	to	PART
fsr-3930	515	10	create	create	VERB
fsr-3930	515	11	financial	financial	ADJ
fsr-3930	515	12	portfolio	portfolio	NOUN
fsr-3930	515	13	values	value	NOUN
fsr-3930	515	14	;	;	PUNCT
fsr-3930	515	15	mnd	mnd	PROPN
fsr-3930	515	16	saver	saver	NOUN
fsr-3930	515	17	’s	’s	PART
fsr-3930	515	18	financial	financial	ADJ
fsr-3930	515	19	portfolios	portfolio	NOUN
fsr-3930	515	20	are	be	AUX
fsr-3930	515	21	computed	compute	VERB
fsr-3930	515	22	for	for	ADP
fsr-3930	515	23	“	"	PUNCT
fsr-3930	515	24	prodigious	prodigious	ADJ
fsr-3930	515	25	accumulator[s	accumulator[s	NOUN
fsr-3930	515	26	]	]	PUNCT
fsr-3930	515	27	of	of	ADP
fsr-3930	515	28	wealth	wealth	NOUN
fsr-3930	515	29	”	"	PUNCT
fsr-3930	515	30	per	per	ADP
fsr-3930	515	31	stanley	stanley	NOUN
fsr-3930	515	32	and	and	CCONJ
fsr-3930	515	33	danko	danko	PROPN
fsr-3930	515	34	(	(	PUNCT
fsr-3930	515	35	1996	1996	NUM
fsr-3930	515	36	)	)	PUNCT
fsr-3930	515	37	.	.	PUNCT
fsr-3930	516	1	317	317	NUM
fsr-3930	516	2	s.p	s.p	PROPN
fsr-3930	516	3	.	.	PUNCT
fsr-3930	517	1	f	f	PROPN
fsr-3930	517	2	raser	raser	PROPN
fsr-3930	517	3	et	et	PROPN
fsr-3930	517	4	al./f	al./f	PROPN
fsr-3930	517	5	inancial	inancial	ADJ
fsr-3930	517	6	services	service	NOUN
fsr-3930	517	7	r	r	NOUN
fsr-3930	517	8	eview	eview	NOUN
fsr-3930	517	9	9	9	NUM
fsr-3930	517	10	(	(	PUNCT
fsr-3930	517	11	2000	2000	NUM
fsr-3930	517	12	)	)	PUNCT
fsr-3930	518	1	295–326	295–326	NUM
fsr-3930	518	2	4	4	NUM
fsr-3930	518	3	,	,	PUNCT
fsr-3930	518	4	which	which	PRON
fsr-3930	518	5	shows	show	VERB
fsr-3930	518	6	the	the	DET
fsr-3930	518	7	efficient	efficient	ADJ
fsr-3930	518	8	frontiers	frontier	NOUN
fsr-3930	518	9	with	with	ADP
fsr-3930	518	10	and	and	CCONJ
fsr-3930	518	11	without	without	ADP
fsr-3930	518	12	social	social	ADJ
fsr-3930	518	13	security	security	NOUN
fsr-3930	518	14	for	for	ADP
fsr-3930	518	15	single	single	ADJ
fsr-3930	518	16	fifty	fifty	NUM
fsr-3930	518	17	-	-	PUNCT
fsr-3930	518	18	yearolds	yearold	NOUN
fsr-3930	518	19	,	,	PUNCT
fsr-3930	518	20	illustrates	illustrate	VERB
fsr-3930	518	21	these	these	DET
fsr-3930	518	22	horizontaland	horizontaland	ADJ
fsr-3930	518	23	vertical	vertical	ADJ
fsr-3930	518	24	-	-	PUNCT
fsr-3930	518	25	shift	shift	NOUN
fsr-3930	518	26	possibilities	possibility	NOUN
fsr-3930	518	27	.	.	PUNCT
fsr-3930	519	1	fig	fig	NOUN
fsr-3930	519	2	.	.	PUNCT
fsr-3930	520	1	4	4	NUM
fsr-3930	520	2	shows	show	VERB
fsr-3930	520	3	that	that	SCONJ
fsr-3930	520	4	for	for	ADP
fsr-3930	520	5	all	all	DET
fsr-3930	520	6	four	four	NUM
fsr-3930	520	7	savings	saving	NOUN
fsr-3930	520	8	levels	level	NOUN
fsr-3930	520	9	,	,	PUNCT
fsr-3930	520	10	social	social	ADJ
fsr-3930	520	11	security	security	NOUN
fsr-3930	520	12	wealth	wealth	NOUN
fsr-3930	520	13	shifts	shift	NOUN
fsr-3930	520	14	the	the	DET
fsr-3930	520	15	efficient	efficient	ADJ
fsr-3930	520	16	frontier	frontier	NOUN
fsr-3930	520	17	.	.	PUNCT
fsr-3930	521	1	this	this	PRON
fsr-3930	521	2	is	be	AUX
fsr-3930	521	3	consistent	consistent	ADJ
fsr-3930	521	4	with	with	ADP
fsr-3930	521	5	the	the	DET
fsr-3930	521	6	research	research	NOUN
fsr-3930	521	7	showing	show	VERB
fsr-3930	521	8	tips	tip	NOUN
fsr-3930	521	9	increasing	increase	VERB
fsr-3930	521	10	efficiency	efficiency	NOUN
fsr-3930	521	11	.	.	PUNCT
fsr-3930	522	1	the	the	DET
fsr-3930	522	2	efficient	efficient	ADJ
fsr-3930	522	3	frontiers	frontier	NOUN
fsr-3930	522	4	for	for	ADP
fsr-3930	522	5	expanded	expand	VERB
fsr-3930	522	6	portfolios	portfolio	NOUN
fsr-3930	522	7	are	be	AUX
fsr-3930	522	8	shorter	short	ADJ
fsr-3930	522	9	because	because	SCONJ
fsr-3930	522	10	required	required	ADJ
fsr-3930	522	11	holdings	holding	NOUN
fsr-3930	522	12	in	in	ADP
fsr-3930	522	13	social	social	ADJ
fsr-3930	522	14	security	security	NOUN
fsr-3930	522	15	wealth	wealth	NOUN
fsr-3930	522	16	are	be	AUX
fsr-3930	522	17	displacing	displace	VERB
fsr-3930	522	18	high	high	ADJ
fsr-3930	522	19	-	-	PUNCT
fsr-3930	522	20	risk	risk	NOUN
fsr-3930	522	21	/	/	SYM
fsr-3930	522	22	high	high	ADJ
fsr-3930	522	23	-	-	PUNCT
fsr-3930	522	24	return	return	NOUN
fsr-3930	522	25	stock	stock	NOUN
fsr-3930	522	26	(	(	PUNCT
fsr-3930	522	27	which	which	PRON
fsr-3930	522	28	we	we	PRON
fsr-3930	522	29	limited	limit	VERB
fsr-3930	522	30	to	to	ADP
fsr-3930	522	31	100	100	NUM
fsr-3930	522	32	%	%	NOUN
fsr-3930	522	33	of	of	ADP
fsr-3930	522	34	the	the	DET
fsr-3930	522	35	expanded	expand	VERB
fsr-3930	522	36	portfolio	portfolio	NOUN
fsr-3930	522	37	)	)	PUNCT
fsr-3930	522	38	;	;	PUNCT
fsr-3930	522	39	the	the	DET
fsr-3930	522	40	5	5	NUM
fsr-3930	522	41	%	%	NOUN
fsr-3930	522	42	saver	saver	NOUN
fsr-3930	522	43	’s	’s	PART
fsr-3930	522	44	efficient	efficient	ADJ
fsr-3930	522	45	frontier	frontier	NOUN
fsr-3930	522	46	is	be	AUX
fsr-3930	522	47	shortest	short	ADJ
fsr-3930	522	48	because	because	SCONJ
fsr-3930	522	49	social	social	ADJ
fsr-3930	522	50	security	security	NOUN
fsr-3930	522	51	wealth	wealth	NOUN
fsr-3930	522	52	is	be	AUX
fsr-3930	522	53	most	most	ADV
fsr-3930	522	54	significant	significant	ADJ
fsr-3930	522	55	in	in	ADP
fsr-3930	522	56	her	her	PRON
fsr-3930	522	57	expanded	expand	VERB
fsr-3930	522	58	portfolio	portfolio	NOUN
fsr-3930	522	59	.	.	PUNCT
fsr-3930	523	1	leverage	leverage	NOUN
fsr-3930	523	2	could	could	AUX
fsr-3930	523	3	extend	extend	VERB
fsr-3930	523	4	the	the	DET
fsr-3930	523	5	expanded	expand	VERB
fsr-3930	523	6	portfolio	portfolio	NOUN
fsr-3930	523	7	frontiers	frontier	NOUN
fsr-3930	523	8	.	.	PUNCT
fsr-3930	524	1	table	table	NOUN
fsr-3930	524	2	10	10	NUM
fsr-3930	524	3	implications	implication	NOUN
fsr-3930	524	4	of	of	ADP
fsr-3930	524	5	mvo	mvo	PROPN
fsr-3930	524	6	in	in	ADP
fsr-3930	524	7	the	the	DET
fsr-3930	524	8	expanded	expand	VERB
fsr-3930	524	9	portfolio	portfolio	NOUN
fsr-3930	524	10	for	for	ADP
fsr-3930	524	11	the	the	DET
fsr-3930	524	12	financial	financial	ADJ
fsr-3930	524	13	portfolio	portfolio	NOUN
fsr-3930	524	14	risk	risk	NOUN
fsr-3930	524	15	aversion	aversion	NOUN
fsr-3930	524	16	required	require	VERB
fsr-3930	524	17	financial	financial	ADJ
fsr-3930	524	18	portfolio	portfolio	NOUN
fsr-3930	524	19	5	5	NUM
fsr-3930	524	20	%	%	NOUN
fsr-3930	524	21	saver	saver	ADJ
fsr-3930	524	22	10	10	NUM
fsr-3930	524	23	%	%	NOUN
fsr-3930	524	24	saver	saver	ADJ
fsr-3930	524	25	15	15	NUM
fsr-3930	524	26	%	%	NOUN
fsr-3930	524	27	saver	saver	ADJ
fsr-3930	524	28	mnd	mnd	NOUN
fsr-3930	524	29	saver	saver	ADJ
fsr-3930	524	30	status	status	NOUN
fsr-3930	524	31	�	�	PROPN
fsr-3930	524	32	stocks	stock	NOUN
fsr-3930	524	33	bonds	bond	VERB
fsr-3930	524	34	stocks	stock	NOUN
fsr-3930	524	35	bonds	bond	VERB
fsr-3930	524	36	stocks	stock	NOUN
fsr-3930	524	37	bonds	bond	VERB
fsr-3930	524	38	stocks	stock	NOUN
fsr-3930	524	39	bonds	bond	VERB
fsr-3930	524	40	single	single	ADJ
fsr-3930	524	41	fifty	fifty	NUM
fsr-3930	524	42	-	-	PUNCT
fsr-3930	524	43	year	year	NOUN
fsr-3930	524	44	-	-	PUNCT
fsr-3930	524	45	old	old	ADJ
fsr-3930	524	46	0.274	0.274	NUM
fsr-3930	524	47	107	107	NUM
fsr-3930	524	48	%	%	NOUN
fsr-3930	524	49	�	�	NOUN
fsr-3930	524	50	7	7	NUM
fsr-3930	524	51	%	%	NOUN
fsr-3930	524	52	103	103	NUM
fsr-3930	524	53	%	%	NOUN
fsr-3930	524	54	�	�	NOUN
fsr-3930	524	55	3	3	NUM
fsr-3930	524	56	%	%	NOUN
fsr-3930	524	57	101	101	NUM
fsr-3930	524	58	%	%	NOUN
fsr-3930	524	59	�	�	PROPN
fsr-3930	524	60	1	1	NUM
fsr-3930	524	61	%	%	NOUN
fsr-3930	524	62	101	101	NUM
fsr-3930	524	63	%	%	NOUN
fsr-3930	524	64	�	�	NOUN
fsr-3930	524	65	1	1	NUM
fsr-3930	524	66	%	%	NOUN
fsr-3930	524	67	0.279	0.279	NUM
fsr-3930	524	68	97	97	NUM
fsr-3930	524	69	%	%	NOUN
fsr-3930	524	70	3	3	NUM
fsr-3930	524	71	%	%	NOUN
fsr-3930	524	72	93	93	NUM
fsr-3930	524	73	%	%	NOUN
fsr-3930	524	74	7	7	NUM
fsr-3930	524	75	%	%	NOUN
fsr-3930	524	76	93	93	NUM
fsr-3930	524	77	%	%	NOUN
fsr-3930	524	78	7	7	NUM
fsr-3930	524	79	%	%	NOUN
fsr-3930	524	80	92	92	NUM
fsr-3930	524	81	%	%	NOUN
fsr-3930	524	82	8	8	NUM
fsr-3930	524	83	%	%	NOUN
fsr-3930	524	84	0.286	0.286	NUM
fsr-3930	524	85	86	86	NUM
fsr-3930	524	86	%	%	NOUN
fsr-3930	524	87	14	14	NUM
fsr-3930	524	88	%	%	NOUN
fsr-3930	524	89	84	84	NUM
fsr-3930	524	90	%	%	NOUN
fsr-3930	524	91	16	16	NUM
fsr-3930	524	92	%	%	NOUN
fsr-3930	524	93	83	83	NUM
fsr-3930	524	94	%	%	NOUN
fsr-3930	524	95	17	17	NUM
fsr-3930	524	96	%	%	NOUN
fsr-3930	524	97	83	83	NUM
fsr-3930	524	98	%	%	NOUN
fsr-3930	524	99	17	17	NUM
fsr-3930	524	100	%	%	NOUN
fsr-3930	524	101	0.296	0.296	NUM
fsr-3930	524	102	76	76	NUM
fsr-3930	524	103	%	%	NOUN
fsr-3930	524	104	24	24	NUM
fsr-3930	524	105	%	%	NOUN
fsr-3930	524	106	73	73	NUM
fsr-3930	524	107	%	%	NOUN
fsr-3930	524	108	27	27	NUM
fsr-3930	524	109	%	%	NOUN
fsr-3930	524	110	72	72	NUM
fsr-3930	524	111	%	%	NOUN
fsr-3930	524	112	28	28	NUM
fsr-3930	524	113	%	%	NOUN
fsr-3930	524	114	73	73	NUM
fsr-3930	524	115	%	%	NOUN
fsr-3930	524	116	27	27	NUM
fsr-3930	524	117	%	%	NOUN
fsr-3930	524	118	0.310	0.310	NUM
fsr-3930	524	119	66	66	NUM
fsr-3930	524	120	%	%	NOUN
fsr-3930	524	121	34	34	NUM
fsr-3930	524	122	%	%	NOUN
fsr-3930	524	123	64	64	NUM
fsr-3930	524	124	%	%	NOUN
fsr-3930	524	125	36	36	NUM
fsr-3930	524	126	%	%	NOUN
fsr-3930	524	127	62	62	NUM
fsr-3930	524	128	%	%	NOUN
fsr-3930	524	129	38	38	NUM
fsr-3930	524	130	%	%	NOUN
fsr-3930	524	131	62	62	NUM
fsr-3930	524	132	%	%	NOUN
fsr-3930	524	133	38	38	NUM
fsr-3930	524	134	%	%	NOUN
fsr-3930	524	135	0.330	0.330	NUM
fsr-3930	524	136	56	56	NUM
fsr-3930	524	137	%	%	NOUN
fsr-3930	524	138	44	44	NUM
fsr-3930	524	139	%	%	NOUN
fsr-3930	524	140	53	53	NUM
fsr-3930	524	141	%	%	NOUN
fsr-3930	524	142	47	47	NUM
fsr-3930	524	143	%	%	NOUN
fsr-3930	524	144	52	52	NUM
fsr-3930	524	145	%	%	NOUN
fsr-3930	524	146	48	48	NUM
fsr-3930	524	147	%	%	NOUN
fsr-3930	524	148	52	52	NUM
fsr-3930	524	149	%	%	NOUN
fsr-3930	524	150	48	48	NUM
fsr-3930	524	151	%	%	NOUN
fsr-3930	524	152	0.360	0.360	NUM
fsr-3930	524	153	46	46	NUM
fsr-3930	524	154	%	%	NOUN
fsr-3930	524	155	54	54	NUM
fsr-3930	524	156	%	%	NOUN
fsr-3930	524	157	43	43	NUM
fsr-3930	524	158	%	%	NOUN
fsr-3930	524	159	57	57	NUM
fsr-3930	524	160	%	%	NOUN
fsr-3930	524	161	42	42	NUM
fsr-3930	524	162	%	%	NOUN
fsr-3930	524	163	58	58	NUM
fsr-3930	524	164	%	%	NOUN
fsr-3930	524	165	43	43	NUM
fsr-3930	524	166	%	%	NOUN
fsr-3930	524	167	57	57	NUM
fsr-3930	524	168	%	%	NOUN
fsr-3930	524	169	0.410	0.410	NUM
fsr-3930	524	170	36	36	NUM
fsr-3930	524	171	%	%	NOUN
fsr-3930	524	172	64	64	NUM
fsr-3930	524	173	%	%	NOUN
fsr-3930	524	174	32	32	NUM
fsr-3930	524	175	%	%	NOUN
fsr-3930	524	176	68	68	NUM
fsr-3930	524	177	%	%	NOUN
fsr-3930	524	178	32	32	NUM
fsr-3930	524	179	%	%	NOUN
fsr-3930	524	180	68	68	NUM
fsr-3930	524	181	%	%	NOUN
fsr-3930	524	182	32	32	NUM
fsr-3930	524	183	%	%	NOUN
fsr-3930	524	184	68	68	NUM
fsr-3930	524	185	%	%	NOUN
fsr-3930	524	186	0.500	0.500	NUM
fsr-3930	524	187	25	25	NUM
fsr-3930	524	188	%	%	NOUN
fsr-3930	524	189	75	75	NUM
fsr-3930	524	190	%	%	NOUN
fsr-3930	524	191	23	23	NUM
fsr-3930	524	192	%	%	NOUN
fsr-3930	524	193	77	77	NUM
fsr-3930	524	194	%	%	NOUN
fsr-3930	524	195	22	22	NUM
fsr-3930	524	196	%	%	NOUN
fsr-3930	524	197	78	78	NUM
fsr-3930	524	198	%	%	NOUN
fsr-3930	524	199	22	22	NUM
fsr-3930	524	200	%	%	NOUN
fsr-3930	524	201	78	78	NUM
fsr-3930	524	202	%	%	NOUN
fsr-3930	524	203	0.691	0.691	NUM
fsr-3930	524	204	14	14	NUM
fsr-3930	524	205	%	%	NOUN
fsr-3930	524	206	86	86	NUM
fsr-3930	524	207	%	%	NOUN
fsr-3930	524	208	12	12	NUM
fsr-3930	524	209	%	%	NOUN
fsr-3930	524	210	88	88	NUM
fsr-3930	524	211	%	%	NOUN
fsr-3930	524	212	11	11	NUM
fsr-3930	524	213	%	%	NOUN
fsr-3930	524	214	89	89	NUM
fsr-3930	524	215	%	%	NOUN
fsr-3930	524	216	12	12	NUM
fsr-3930	524	217	%	%	NOUN
fsr-3930	524	218	88	88	NUM
fsr-3930	524	219	%	%	NOUN
fsr-3930	524	220	1.273	1.273	NUM
fsr-3930	524	221	3	3	NUM
fsr-3930	524	222	%	%	NOUN
fsr-3930	524	223	97	97	NUM
fsr-3930	524	224	%	%	NOUN
fsr-3930	524	225	3	3	NUM
fsr-3930	524	226	%	%	NOUN
fsr-3930	524	227	97	97	NUM
fsr-3930	524	228	%	%	NOUN
fsr-3930	524	229	1	1	NUM
fsr-3930	524	230	%	%	NOUN
fsr-3930	524	231	99	99	NUM
fsr-3930	524	232	%	%	NOUN
fsr-3930	524	233	3	3	NUM
fsr-3930	524	234	%	%	NOUN
fsr-3930	524	235	97	97	NUM
fsr-3930	524	236	%	%	NOUN
fsr-3930	524	237	married	married	ADJ
fsr-3930	524	238	fifty	fifty	NUM
fsr-3930	524	239	-	-	PUNCT
fsr-3930	524	240	year	year	NOUN
fsr-3930	524	241	-	-	PUNCT
fsr-3930	524	242	old	old	ADJ
fsr-3930	524	243	0.274	0.274	NUM
fsr-3930	524	244	115	115	NUM
fsr-3930	524	245	%	%	NOUN
fsr-3930	524	246	�	�	NOUN
fsr-3930	524	247	15	15	NUM
fsr-3930	524	248	%	%	NOUN
fsr-3930	524	249	105	105	NUM
fsr-3930	524	250	%	%	NOUN
fsr-3930	524	251	�	�	NOUN
fsr-3930	524	252	5	5	NUM
fsr-3930	524	253	%	%	NOUN
fsr-3930	524	254	103	103	NUM
fsr-3930	524	255	%	%	NOUN
fsr-3930	524	256	�	�	NOUN
fsr-3930	524	257	3	3	NUM
fsr-3930	524	258	%	%	NOUN
fsr-3930	524	259	104	104	NUM
fsr-3930	524	260	%	%	NOUN
fsr-3930	524	261	�	�	NOUN
fsr-3930	524	262	4	4	NUM
fsr-3930	524	263	%	%	NOUN
fsr-3930	524	264	0.279	0.279	NUM
fsr-3930	524	265	104	104	NUM
fsr-3930	524	266	%	%	NOUN
fsr-3930	524	267	�	�	NOUN
fsr-3930	524	268	4	4	NUM
fsr-3930	524	269	%	%	NOUN
fsr-3930	524	270	95	95	NUM
fsr-3930	524	271	%	%	NOUN
fsr-3930	524	272	5	5	NUM
fsr-3930	524	273	%	%	NOUN
fsr-3930	524	274	93	93	NUM
fsr-3930	524	275	%	%	NOUN
fsr-3930	524	276	7	7	NUM
fsr-3930	524	277	%	%	NOUN
fsr-3930	524	278	96	96	NUM
fsr-3930	524	279	%	%	NOUN
fsr-3930	524	280	4	4	NUM
fsr-3930	524	281	%	%	NOUN
fsr-3930	524	282	0.286	0.286	NUM
fsr-3930	524	283	93	93	NUM
fsr-3930	524	284	%	%	NOUN
fsr-3930	524	285	7	7	NUM
fsr-3930	524	286	%	%	NOUN
fsr-3930	524	287	86	86	NUM
fsr-3930	524	288	%	%	NOUN
fsr-3930	524	289	14	14	NUM
fsr-3930	524	290	%	%	NOUN
fsr-3930	524	291	83	83	NUM
fsr-3930	524	292	%	%	NOUN
fsr-3930	524	293	17	17	NUM
fsr-3930	524	294	%	%	NOUN
fsr-3930	524	295	85	85	NUM
fsr-3930	524	296	%	%	NOUN
fsr-3930	524	297	15	15	NUM
fsr-3930	524	298	%	%	NOUN
fsr-3930	524	299	0.296	0.296	NUM
fsr-3930	524	300	83	83	NUM
fsr-3930	524	301	%	%	NOUN
fsr-3930	524	302	17	17	NUM
fsr-3930	524	303	%	%	NOUN
fsr-3930	524	304	75	75	NUM
fsr-3930	524	305	%	%	NOUN
fsr-3930	524	306	25	25	NUM
fsr-3930	524	307	%	%	NOUN
fsr-3930	524	308	74	74	NUM
fsr-3930	524	309	%	%	NOUN
fsr-3930	524	310	26	26	NUM
fsr-3930	524	311	%	%	NOUN
fsr-3930	524	312	75	75	NUM
fsr-3930	524	313	%	%	NOUN
fsr-3930	524	314	25	25	NUM
fsr-3930	524	315	%	%	NOUN
fsr-3930	524	316	0.310	0.310	NUM
fsr-3930	524	317	72	72	NUM
fsr-3930	524	318	%	%	NOUN
fsr-3930	524	319	28	28	NUM
fsr-3930	524	320	%	%	NOUN
fsr-3930	524	321	65	65	NUM
fsr-3930	524	322	%	%	NOUN
fsr-3930	524	323	35	35	NUM
fsr-3930	524	324	%	%	NOUN
fsr-3930	524	325	64	64	NUM
fsr-3930	524	326	%	%	NOUN
fsr-3930	524	327	36	36	NUM
fsr-3930	524	328	%	%	NOUN
fsr-3930	524	329	64	64	NUM
fsr-3930	524	330	%	%	NOUN
fsr-3930	524	331	36	36	NUM
fsr-3930	524	332	%	%	NOUN
fsr-3930	524	333	0.330	0.330	NUM
fsr-3930	524	334	61	61	NUM
fsr-3930	524	335	%	%	NOUN
fsr-3930	524	336	39	39	NUM
fsr-3930	524	337	%	%	NOUN
fsr-3930	524	338	56	56	NUM
fsr-3930	524	339	%	%	NOUN
fsr-3930	524	340	44	44	NUM
fsr-3930	524	341	%	%	NOUN
fsr-3930	524	342	53	53	NUM
fsr-3930	524	343	%	%	NOUN
fsr-3930	524	344	47	47	NUM
fsr-3930	524	345	%	%	NOUN
fsr-3930	524	346	54	54	NUM
fsr-3930	524	347	%	%	NOUN
fsr-3930	524	348	46	46	NUM
fsr-3930	524	349	%	%	NOUN
fsr-3930	524	350	0.360	0.360	NUM
fsr-3930	524	351	50	50	NUM
fsr-3930	524	352	%	%	NOUN
fsr-3930	524	353	50	50	NUM
fsr-3930	524	354	%	%	NOUN
fsr-3930	524	355	44	44	NUM
fsr-3930	524	356	%	%	NOUN
fsr-3930	524	357	56	56	NUM
fsr-3930	524	358	%	%	NOUN
fsr-3930	524	359	43	43	NUM
fsr-3930	524	360	%	%	NOUN
fsr-3930	524	361	57	57	NUM
fsr-3930	524	362	%	%	NOUN
fsr-3930	524	363	43	43	NUM
fsr-3930	524	364	%	%	NOUN
fsr-3930	524	365	57	57	NUM
fsr-3930	524	366	%	%	NOUN
fsr-3930	524	367	0.410	0.410	NUM
fsr-3930	524	368	39	39	NUM
fsr-3930	524	369	%	%	NOUN
fsr-3930	524	370	61	61	NUM
fsr-3930	524	371	%	%	NOUN
fsr-3930	524	372	35	35	NUM
fsr-3930	524	373	%	%	NOUN
fsr-3930	524	374	65	65	NUM
fsr-3930	524	375	%	%	NOUN
fsr-3930	524	376	33	33	NUM
fsr-3930	524	377	%	%	NOUN
fsr-3930	524	378	67	67	NUM
fsr-3930	524	379	%	%	NOUN
fsr-3930	524	380	33	33	NUM
fsr-3930	524	381	%	%	NOUN
fsr-3930	524	382	67	67	NUM
fsr-3930	524	383	%	%	NOUN
fsr-3930	524	384	0.500	0.500	NUM
fsr-3930	524	385	28	28	NUM
fsr-3930	524	386	%	%	NOUN
fsr-3930	524	387	72	72	NUM
fsr-3930	524	388	%	%	NOUN
fsr-3930	524	389	24	24	NUM
fsr-3930	524	390	%	%	NOUN
fsr-3930	524	391	76	76	NUM
fsr-3930	524	392	%	%	NOUN
fsr-3930	524	393	22	22	NUM
fsr-3930	524	394	%	%	NOUN
fsr-3930	524	395	78	78	NUM
fsr-3930	524	396	%	%	NOUN
fsr-3930	524	397	24	24	NUM
fsr-3930	524	398	%	%	NOUN
fsr-3930	524	399	76	76	NUM
fsr-3930	524	400	%	%	NOUN
fsr-3930	524	401	0.691	0.691	NUM
fsr-3930	524	402	17	17	NUM
fsr-3930	524	403	%	%	NOUN
fsr-3930	524	404	83	83	NUM
fsr-3930	524	405	%	%	NOUN
fsr-3930	524	406	14	14	NUM
fsr-3930	524	407	%	%	NOUN
fsr-3930	524	408	86	86	NUM
fsr-3930	524	409	%	%	NOUN
fsr-3930	524	410	12	12	NUM
fsr-3930	524	411	%	%	NOUN
fsr-3930	524	412	88	88	NUM
fsr-3930	524	413	%	%	NOUN
fsr-3930	524	414	13	13	NUM
fsr-3930	524	415	%	%	NOUN
fsr-3930	524	416	87	87	NUM
fsr-3930	524	417	%	%	NOUN
fsr-3930	524	418	1.273	1.273	NUM
fsr-3930	524	419	7	7	NUM
fsr-3930	524	420	%	%	NOUN
fsr-3930	524	421	93	93	NUM
fsr-3930	524	422	%	%	NOUN
fsr-3930	524	423	3	3	NUM
fsr-3930	524	424	%	%	NOUN
fsr-3930	524	425	97	97	NUM
fsr-3930	524	426	%	%	NOUN
fsr-3930	524	427	3	3	NUM
fsr-3930	524	428	%	%	NOUN
fsr-3930	524	429	97	97	NUM
fsr-3930	524	430	%	%	NOUN
fsr-3930	524	431	3	3	NUM
fsr-3930	524	432	%	%	NOUN
fsr-3930	524	433	97	97	NUM
fsr-3930	524	434	%	%	NOUN
fsr-3930	524	435	required	require	VERB
fsr-3930	524	436	financial	financial	ADJ
fsr-3930	524	437	portfolio	portfolio	NOUN
fsr-3930	524	438	asset	asset	NOUN
fsr-3930	524	439	allocation	allocation	NOUN
fsr-3930	524	440	necessary	necessary	ADJ
fsr-3930	524	441	to	to	PART
fsr-3930	524	442	achieve	achieve	VERB
fsr-3930	524	443	a	a	DET
fsr-3930	524	444	mean	mean	ADJ
fsr-3930	524	445	-	-	PUNCT
fsr-3930	524	446	variance	variance	NOUN
fsr-3930	524	447	optimal	optimal	ADJ
fsr-3930	524	448	asset	asset	NOUN
fsr-3930	524	449	allocation	allocation	NOUN
fsr-3930	524	450	in	in	ADP
fsr-3930	524	451	the	the	DET
fsr-3930	524	452	expanded	expand	VERB
fsr-3930	524	453	portfolio	portfolio	NOUN
fsr-3930	524	454	,	,	PUNCT
fsr-3930	524	455	which	which	PRON
fsr-3930	524	456	includes	include	VERB
fsr-3930	524	457	social	social	ADJ
fsr-3930	524	458	security	security	NOUN
fsr-3930	524	459	wealth	wealth	NOUN
fsr-3930	524	460	.	.	PUNCT
fsr-3930	525	1	risk	risk	NOUN
fsr-3930	525	2	aversion	aversion	NOUN
fsr-3930	525	3	levels	level	NOUN
fsr-3930	525	4	�	�	PROPN
fsr-3930	525	5	are	be	AUX
fsr-3930	525	6	from	from	ADP
fsr-3930	525	7	the	the	DET
fsr-3930	525	8	utility	utility	NOUN
fsr-3930	525	9	maximization	maximization	NOUN
fsr-3930	525	10	problem	problem	NOUN
fsr-3930	525	11	e(r	e(r	NUM
fsr-3930	525	12	)	)	PUNCT
fsr-3930	525	13	�	�	PROPN
fsr-3930	525	14	�	�	PROPN
fsr-3930	525	15	e	e	PROPN
fsr-3930	525	16	(	(	PUNCT
fsr-3930	525	17	�	�	PROPN
fsr-3930	525	18	)	)	PUNCT
fsr-3930	525	19	;	;	PUNCT
fsr-3930	525	20	specific	specific	ADJ
fsr-3930	525	21	values	value	NOUN
fsr-3930	525	22	of	of	ADP
fsr-3930	525	23	�	�	PROPN
fsr-3930	525	24	displayed	display	VERB
fsr-3930	525	25	in	in	ADP
fsr-3930	525	26	this	this	DET
fsr-3930	525	27	table	table	NOUN
fsr-3930	525	28	relate	relate	VERB
fsr-3930	525	29	to	to	ADP
fsr-3930	525	30	asset	asset	NOUN
fsr-3930	525	31	allocations	allocation	NOUN
fsr-3930	525	32	in	in	ADP
fsr-3930	525	33	table	table	NOUN
fsr-3930	525	34	9	9	NUM
fsr-3930	525	35	.	.	PUNCT
fsr-3930	525	36	expanded	expand	VERB
fsr-3930	525	37	portfolio	portfolio	NOUN
fsr-3930	525	38	weights	weight	NOUN
fsr-3930	525	39	are	be	AUX
fsr-3930	525	40	computed	compute	VERB
fsr-3930	525	41	from	from	ADP
fsr-3930	525	42	rounded	rounded	ADJ
fsr-3930	525	43	values	value	NOUN
fsr-3930	525	44	in	in	ADP
fsr-3930	525	45	table	table	NOUN
fsr-3930	525	46	9	9	NUM
fsr-3930	525	47	.	.	PUNCT
fsr-3930	526	1	social	social	ADJ
fsr-3930	526	2	security	security	NOUN
fsr-3930	526	3	wealth	wealth	NOUN
fsr-3930	526	4	is	be	AUX
fsr-3930	526	5	treated	treat	VERB
fsr-3930	526	6	as	as	ADP
fsr-3930	526	7	tips	tip	NOUN
fsr-3930	526	8	and	and	CCONJ
fsr-3930	526	9	uses	use	VERB
fsr-3930	526	10	values	value	NOUN
fsr-3930	526	11	from	from	ADP
fsr-3930	526	12	table	table	NOUN
fsr-3930	526	13	1	1	NUM
fsr-3930	526	14	computed	compute	VERB
fsr-3930	526	15	using	use	VERB
fsr-3930	526	16	real	real	ADJ
fsr-3930	526	17	tips	tip	NOUN
fsr-3930	526	18	yields	yield	NOUN
fsr-3930	526	19	for	for	ADP
fsr-3930	526	20	a	a	DET
fsr-3930	526	21	high	high	ADV
fsr-3930	526	22	-	-	PUNCT
fsr-3930	526	23	earning	earn	VERB
fsr-3930	526	24	worker	worker	NOUN
fsr-3930	526	25	.	.	PUNCT
fsr-3930	527	1	savings	saving	NOUN
fsr-3930	527	2	rates	rate	NOUN
fsr-3930	527	3	are	be	AUX
fsr-3930	527	4	applied	apply	VERB
fsr-3930	527	5	over	over	ADP
fsr-3930	527	6	a	a	DET
fsr-3930	527	7	working	work	VERB
fsr-3930	527	8	lifetime	lifetime	NOUN
fsr-3930	527	9	to	to	PART
fsr-3930	527	10	create	create	VERB
fsr-3930	527	11	financial	financial	ADJ
fsr-3930	527	12	portfolio	portfolio	NOUN
fsr-3930	527	13	values	value	NOUN
fsr-3930	527	14	;	;	PUNCT
fsr-3930	527	15	mnd	mnd	PROPN
fsr-3930	527	16	saver	saver	NOUN
fsr-3930	527	17	’s	’s	PART
fsr-3930	527	18	financial	financial	ADJ
fsr-3930	527	19	portfolios	portfolio	NOUN
fsr-3930	527	20	are	be	AUX
fsr-3930	527	21	computed	compute	VERB
fsr-3930	527	22	for	for	ADP
fsr-3930	527	23	“	"	PUNCT
fsr-3930	527	24	prodigious	prodigious	ADJ
fsr-3930	527	25	accumulator[s	accumulator[s	NOUN
fsr-3930	527	26	]	]	PUNCT
fsr-3930	527	27	of	of	ADP
fsr-3930	527	28	wealth	wealth	NOUN
fsr-3930	527	29	”	"	PUNCT
fsr-3930	527	30	per	per	ADP
fsr-3930	527	31	stanley	stanley	NOUN
fsr-3930	527	32	and	and	CCONJ
fsr-3930	527	33	danko	danko	PROPN
fsr-3930	527	34	(	(	PUNCT
fsr-3930	527	35	1996	1996	NUM
fsr-3930	527	36	)	)	PUNCT
fsr-3930	527	37	.	.	PUNCT
fsr-3930	528	1	stock	stock	NOUN
fsr-3930	528	2	positions	position	NOUN
fsr-3930	528	3	greater	great	ADJ
fsr-3930	528	4	than	than	ADP
fsr-3930	528	5	100	100	NUM
fsr-3930	528	6	%	%	NOUN
fsr-3930	528	7	are	be	AUX
fsr-3930	528	8	purchased	purchase	VERB
fsr-3930	528	9	on	on	ADP
fsr-3930	528	10	margin	margin	NOUN
fsr-3930	528	11	;	;	PUNCT
fsr-3930	528	12	negative	negative	ADJ
fsr-3930	528	13	bond	bond	NOUN
fsr-3930	528	14	positions	position	NOUN
fsr-3930	528	15	represent	represent	VERB
fsr-3930	528	16	margin	margin	NOUN
fsr-3930	528	17	borrowing	borrowing	NOUN
fsr-3930	528	18	.	.	PUNCT
fsr-3930	529	1	318	318	NUM
fsr-3930	529	2	s.p	s.p	PROPN
fsr-3930	529	3	.	.	PROPN
fsr-3930	529	4	fraser	fraser	PROPN
fsr-3930	529	5	et	et	PROPN
fsr-3930	529	6	al	al	PROPN
fsr-3930	529	7	.	.	PUNCT
fsr-3930	529	8	/	/	SYM
fsr-3930	529	9	financial	financial	ADJ
fsr-3930	529	10	services	service	NOUN
fsr-3930	529	11	review	review	VERB
fsr-3930	529	12	9	9	NUM
fsr-3930	529	13	(	(	PUNCT
fsr-3930	529	14	2000	2000	NUM
fsr-3930	529	15	)	)	PUNCT
fsr-3930	530	1	295–326	295–326	NUM
fsr-3930	530	2	in	in	ADP
fsr-3930	530	3	short	short	ADJ
fsr-3930	530	4	,	,	PUNCT
fsr-3930	530	5	integrating	integrate	VERB
fsr-3930	530	6	the	the	DET
fsr-3930	530	7	present	present	ADJ
fsr-3930	530	8	value	value	NOUN
fsr-3930	530	9	of	of	ADP
fsr-3930	530	10	social	social	ADJ
fsr-3930	530	11	security	security	NOUN
fsr-3930	530	12	benefits	benefit	VERB
fsr-3930	530	13	shifts	shift	NOUN
fsr-3930	530	14	the	the	DET
fsr-3930	530	15	mean	mean	ADJ
fsr-3930	530	16	-	-	PUNCT
fsr-3930	530	17	variance	variance	NOUN
fsr-3930	530	18	efficient	efficient	ADJ
fsr-3930	530	19	frontier	frontier	NOUN
fsr-3930	530	20	and	and	CCONJ
fsr-3930	530	21	offers	offer	VERB
fsr-3930	530	22	substantial	substantial	ADJ
fsr-3930	530	23	risk	risk	NOUN
fsr-3930	530	24	-	-	PUNCT
fsr-3930	530	25	reducing	reduce	VERB
fsr-3930	530	26	or	or	CCONJ
fsr-3930	530	27	return	return	NOUN
fsr-3930	530	28	-	-	PUNCT
fsr-3930	530	29	enhancing	enhance	VERB
fsr-3930	530	30	opportunities	opportunity	NOUN
fsr-3930	530	31	.	.	PUNCT
fsr-3930	531	1	since	since	SCONJ
fsr-3930	531	2	social	social	ADJ
fsr-3930	531	3	security	security	NOUN
fsr-3930	531	4	wealth	wealth	NOUN
fsr-3930	531	5	has	have	VERB
fsr-3930	531	6	risk	risk	NOUN
fsr-3930	531	7	-	-	PUNCT
fsr-3930	531	8	return	return	NOUN
fsr-3930	531	9	-	-	PUNCT
fsr-3930	531	10	correlation	correlation	NOUN
fsr-3930	531	11	characteristics	characteristic	NOUN
fsr-3930	531	12	much	much	ADV
fsr-3930	531	13	like	like	ADP
fsr-3930	531	14	an	an	DET
fsr-3930	531	15	inflationindexed	inflationindexed	ADJ
fsr-3930	531	16	treasury	treasury	NOUN
fsr-3930	531	17	bond	bond	NOUN
fsr-3930	531	18	,	,	PUNCT
fsr-3930	531	19	considering	consider	VERB
fsr-3930	531	20	it	it	PRON
fsr-3930	531	21	in	in	ADP
fsr-3930	531	22	the	the	DET
fsr-3930	531	23	total	total	ADJ
fsr-3930	531	24	portfolio	portfolio	NOUN
fsr-3930	531	25	has	have	VERB
fsr-3930	531	26	a	a	DET
fsr-3930	531	27	striking	striking	ADJ
fsr-3930	531	28	impact	impact	NOUN
fsr-3930	531	29	on	on	ADP
fsr-3930	531	30	the	the	DET
fsr-3930	531	31	optimized	optimize	VERB
fsr-3930	531	32	financial	financial	ADJ
fsr-3930	531	33	portfolio	portfolio	NOUN
fsr-3930	531	34	.	.	PUNCT
fsr-3930	532	1	5	5	X
fsr-3930	532	2	.	.	X
fsr-3930	532	3	conclusion	conclusion	NOUN
fsr-3930	532	4	5.1	5.1	NUM
fsr-3930	532	5	.	.	PUNCT
fsr-3930	533	1	summary	summary	VERB
fsr-3930	533	2	the	the	DET
fsr-3930	533	3	typical	typical	ADJ
fsr-3930	533	4	income	income	NOUN
fsr-3930	533	5	-	-	PUNCT
fsr-3930	533	6	adequacy	adequacy	NOUN
fsr-3930	533	7	retirement	retirement	NOUN
fsr-3930	533	8	planning	planning	NOUN
fsr-3930	533	9	approach	approach	NOUN
fsr-3930	533	10	,	,	PUNCT
fsr-3930	533	11	which	which	PRON
fsr-3930	533	12	deducts	deduct	VERB
fsr-3930	533	13	social	social	ADJ
fsr-3930	533	14	security	security	NOUN
fsr-3930	533	15	benefits	benefit	NOUN
fsr-3930	533	16	from	from	ADP
fsr-3930	533	17	required	require	VERB
fsr-3930	533	18	retirement	retirement	NOUN
fsr-3930	533	19	cash	cash	NOUN
fsr-3930	533	20	flows	flow	NOUN
fsr-3930	533	21	,	,	PUNCT
fsr-3930	533	22	ignores	ignore	VERB
fsr-3930	533	23	asset	asset	NOUN
fsr-3930	533	24	mix	mix	NOUN
fsr-3930	533	25	implications	implication	NOUN
fsr-3930	533	26	of	of	ADP
fsr-3930	533	27	social	social	ADJ
fsr-3930	533	28	security	security	NOUN
fsr-3930	533	29	wealth	wealth	NOUN
fsr-3930	533	30	.	.	PUNCT
fsr-3930	534	1	we	we	PRON
fsr-3930	534	2	assert	assert	VERB
fsr-3930	534	3	that	that	SCONJ
fsr-3930	534	4	including	include	VERB
fsr-3930	534	5	social	social	ADJ
fsr-3930	534	6	security	security	NOUN
fsr-3930	534	7	cash	cash	NOUN
fsr-3930	534	8	flows	flow	NOUN
fsr-3930	534	9	but	but	CCONJ
fsr-3930	534	10	ignoring	ignore	VERB
fsr-3930	534	11	asset	asset	NOUN
fsr-3930	534	12	mix	mix	NOUN
fsr-3930	534	13	implications	implication	NOUN
fsr-3930	534	14	is	be	AUX
fsr-3930	534	15	inconsistent	inconsistent	ADJ
fsr-3930	534	16	.	.	PUNCT
fsr-3930	535	1	this	this	DET
fsr-3930	535	2	paper	paper	NOUN
fsr-3930	535	3	addresses	address	VERB
fsr-3930	535	4	three	three	NUM
fsr-3930	535	5	questions	question	NOUN
fsr-3930	535	6	related	relate	VERB
fsr-3930	535	7	to	to	ADP
fsr-3930	535	8	this	this	DET
fsr-3930	535	9	inconsistency	inconsistency	NOUN
fsr-3930	535	10	(	(	PUNCT
fsr-3930	535	11	should	should	AUX
fsr-3930	535	12	we	we	PRON
fsr-3930	535	13	include	include	VERB
fsr-3930	535	14	social	social	ADJ
fsr-3930	535	15	security	security	NOUN
fsr-3930	535	16	?	?	PUNCT
fsr-3930	536	1	what	what	PRON
fsr-3930	536	2	is	be	AUX
fsr-3930	536	3	its	its	PRON
fsr-3930	536	4	value	value	NOUN
fsr-3930	536	5	?	?	PUNCT
fsr-3930	537	1	and	and	CCONJ
fsr-3930	537	2	what	what	PRON
fsr-3930	537	3	is	be	AUX
fsr-3930	537	4	its	its	PRON
fsr-3930	537	5	impact	impact	NOUN
fsr-3930	537	6	?	?	PUNCT
fsr-3930	537	7	)	)	PUNCT
fsr-3930	537	8	.	.	PUNCT
fsr-3930	538	1	we	we	PRON
fsr-3930	538	2	first	first	ADV
fsr-3930	538	3	consider	consider	VERB
fsr-3930	538	4	the	the	DET
fsr-3930	538	5	qualitative	qualitative	ADJ
fsr-3930	538	6	and	and	CCONJ
fsr-3930	538	7	quantitative	quantitative	ADJ
fsr-3930	538	8	arguments	argument	NOUN
fsr-3930	538	9	that	that	SCONJ
fsr-3930	538	10	this	this	PRON
fsr-3930	538	11	is	be	AUX
fsr-3930	538	12	an	an	DET
fsr-3930	538	13	inconsistency	inconsistency	NOUN
fsr-3930	538	14	and	and	CCONJ
fsr-3930	538	15	that	that	SCONJ
fsr-3930	538	16	social	social	ADJ
fsr-3930	538	17	security	security	NOUN
fsr-3930	538	18	should	should	AUX
fsr-3930	538	19	be	be	AUX
fsr-3930	538	20	included	include	VERB
fsr-3930	538	21	in	in	ADP
fsr-3930	538	22	asset	asset	NOUN
fsr-3930	538	23	mix	mix	NOUN
fsr-3930	538	24	decisions	decision	NOUN
fsr-3930	538	25	.	.	PUNCT
fsr-3930	539	1	next	next	ADV
fsr-3930	539	2	,	,	PUNCT
fsr-3930	539	3	we	we	PRON
fsr-3930	539	4	highlight	highlight	VERB
fsr-3930	539	5	commonalities	commonality	NOUN
fsr-3930	539	6	in	in	ADP
fsr-3930	539	7	the	the	DET
fsr-3930	539	8	payment	payment	NOUN
fsr-3930	539	9	stream	stream	NOUN
fsr-3930	539	10	from	from	ADP
fsr-3930	539	11	social	social	ADJ
fsr-3930	539	12	security	security	NOUN
fsr-3930	539	13	benefits	benefit	NOUN
fsr-3930	539	14	and	and	CCONJ
fsr-3930	539	15	tips	tip	NOUN
fsr-3930	539	16	and	and	CCONJ
fsr-3930	539	17	use	use	VERB
fsr-3930	539	18	those	those	DET
fsr-3930	539	19	commonalities	commonality	NOUN
fsr-3930	539	20	fig	fig	NOUN
fsr-3930	539	21	.	.	PUNCT
fsr-3930	540	1	4	4	X
fsr-3930	540	2	.	.	X
fsr-3930	540	3	efficient	efficient	ADJ
fsr-3930	540	4	frontiers	frontier	NOUN
fsr-3930	540	5	with	with	ADP
fsr-3930	540	6	and	and	CCONJ
fsr-3930	540	7	without	without	ADP
fsr-3930	540	8	social	social	ADJ
fsr-3930	540	9	security	security	NOUN
fsr-3930	540	10	wealth	wealth	NOUN
fsr-3930	540	11	for	for	ADP
fsr-3930	540	12	a	a	DET
fsr-3930	540	13	single	single	ADJ
fsr-3930	540	14	50	50	NUM
fsr-3930	540	15	-	-	PUNCT
fsr-3930	540	16	year	year	NOUN
fsr-3930	540	17	-	-	PUNCT
fsr-3930	540	18	old	old	ADJ
fsr-3930	540	19	.	.	PUNCT
fsr-3930	541	1	319s.p	319s.p	X
fsr-3930	541	2	.	.	PUNCT
fsr-3930	542	1	fraser	fraser	PROPN
fsr-3930	542	2	et	et	PROPN
fsr-3930	542	3	al	al	PROPN
fsr-3930	542	4	.	.	PUNCT
fsr-3930	542	5	/	/	SYM
fsr-3930	542	6	financial	financial	ADJ
fsr-3930	542	7	services	service	NOUN
fsr-3930	542	8	review	review	VERB
fsr-3930	542	9	9	9	NUM
fsr-3930	542	10	(	(	PUNCT
fsr-3930	542	11	2000	2000	NUM
fsr-3930	542	12	)	)	PUNCT
fsr-3930	543	1	295–326	295–326	NUM
fsr-3930	543	2	to	to	PART
fsr-3930	543	3	value	value	VERB
fsr-3930	543	4	social	social	ADJ
fsr-3930	543	5	security	security	NOUN
fsr-3930	543	6	wealth	wealth	NOUN
fsr-3930	543	7	.	.	PUNCT
fsr-3930	544	1	third	third	ADJ
fsr-3930	544	2	,	,	PUNCT
fsr-3930	544	3	we	we	PRON
fsr-3930	544	4	show	show	VERB
fsr-3930	544	5	that	that	SCONJ
fsr-3930	544	6	under	under	ADP
fsr-3930	544	7	any	any	PRON
fsr-3930	544	8	of	of	ADP
fsr-3930	544	9	the	the	DET
fsr-3930	544	10	asset	asset	NOUN
fsr-3930	544	11	-	-	PUNCT
fsr-3930	544	12	mix	mix	NOUN
fsr-3930	544	13	decision	decision	NOUN
fsr-3930	544	14	rules	rule	NOUN
fsr-3930	544	15	considered	consider	VERB
fsr-3930	544	16	,	,	PUNCT
fsr-3930	544	17	social	social	ADJ
fsr-3930	544	18	security	security	NOUN
fsr-3930	544	19	wealth	wealth	NOUN
fsr-3930	544	20	clearly	clearly	ADV
fsr-3930	544	21	affects	affect	VERB
fsr-3930	544	22	strategic	strategic	ADJ
fsr-3930	544	23	asset	asset	NOUN
fsr-3930	544	24	allocation	allocation	NOUN
fsr-3930	544	25	.	.	PUNCT
fsr-3930	545	1	common	common	ADJ
fsr-3930	545	2	interpretation	interpretation	NOUN
fsr-3930	545	3	of	of	ADP
fsr-3930	545	4	the	the	DET
fsr-3930	545	5	four	four	NUM
fsr-3930	545	6	asset	asset	NOUN
fsr-3930	545	7	-	-	PUNCT
fsr-3930	545	8	mix	mix	NOUN
fsr-3930	545	9	decision	decision	NOUN
fsr-3930	545	10	rules	rule	NOUN
fsr-3930	545	11	we	we	PRON
fsr-3930	545	12	consider	consider	VERB
fsr-3930	545	13	is	be	AUX
fsr-3930	545	14	that	that	SCONJ
fsr-3930	545	15	they	they	PRON
fsr-3930	545	16	apply	apply	VERB
fsr-3930	545	17	to	to	ADP
fsr-3930	545	18	asset	asset	NOUN
fsr-3930	545	19	mixes	mix	NOUN
fsr-3930	545	20	in	in	ADP
fsr-3930	545	21	financial	financial	ADJ
fsr-3930	545	22	portfolios	portfolio	NOUN
fsr-3930	545	23	rather	rather	ADV
fsr-3930	545	24	than	than	ADP
fsr-3930	545	25	expanded	expand	VERB
fsr-3930	545	26	portfolios	portfolio	NOUN
fsr-3930	545	27	that	that	PRON
fsr-3930	545	28	incorporate	incorporate	VERB
fsr-3930	545	29	social	social	ADJ
fsr-3930	545	30	security	security	NOUN
fsr-3930	545	31	wealth	wealth	NOUN
fsr-3930	545	32	.	.	PUNCT
fsr-3930	546	1	we	we	PRON
fsr-3930	546	2	show	show	VERB
fsr-3930	546	3	that	that	SCONJ
fsr-3930	546	4	adding	add	VERB
fsr-3930	546	5	social	social	ADJ
fsr-3930	546	6	security	security	NOUN
fsr-3930	546	7	wealth	wealth	NOUN
fsr-3930	546	8	to	to	ADP
fsr-3930	546	9	the	the	DET
fsr-3930	546	10	financial	financial	ADJ
fsr-3930	546	11	portfolio	portfolio	NOUN
fsr-3930	546	12	results	result	VERB
fsr-3930	546	13	in	in	ADP
fsr-3930	546	14	a	a	DET
fsr-3930	546	15	dramatically	dramatically	ADV
fsr-3930	546	16	different	different	ADJ
fsr-3930	546	17	asset	asset	NOUN
fsr-3930	546	18	mix	mix	NOUN
fsr-3930	546	19	in	in	ADP
fsr-3930	546	20	the	the	DET
fsr-3930	546	21	expanded	expand	VERB
fsr-3930	546	22	portfolio	portfolio	NOUN
fsr-3930	546	23	.	.	PUNCT
fsr-3930	547	1	for	for	ADP
fsr-3930	547	2	many	many	ADJ
fsr-3930	547	3	,	,	PUNCT
fsr-3930	547	4	social	social	ADJ
fsr-3930	547	5	security	security	NOUN
fsr-3930	547	6	wealth	wealth	NOUN
fsr-3930	547	7	inverts	invert	VERB
fsr-3930	547	8	a	a	DET
fsr-3930	547	9	seemingly	seemingly	ADV
fsr-3930	547	10	stock	stock	NOUN
fsr-3930	547	11	-	-	PUNCT
fsr-3930	547	12	heavy	heavy	ADJ
fsr-3930	547	13	portfolio	portfolio	NOUN
fsr-3930	547	14	into	into	ADP
fsr-3930	547	15	a	a	DET
fsr-3930	547	16	bond	bond	NOUN
fsr-3930	547	17	-	-	PUNCT
fsr-3930	547	18	heavy	heavy	ADJ
fsr-3930	547	19	one	one	NOUN
fsr-3930	547	20	.	.	PUNCT
fsr-3930	548	1	conversely	conversely	ADV
fsr-3930	548	2	,	,	PUNCT
fsr-3930	548	3	we	we	PRON
fsr-3930	548	4	show	show	VERB
fsr-3930	548	5	that	that	SCONJ
fsr-3930	548	6	achieving	achieve	VERB
fsr-3930	548	7	a	a	DET
fsr-3930	548	8	desired	desire	VERB
fsr-3930	548	9	expanded	expand	VERB
fsr-3930	548	10	portfolio	portfolio	NOUN
fsr-3930	548	11	mix	mix	NOUN
fsr-3930	548	12	requires	require	VERB
fsr-3930	548	13	significantly	significantly	ADV
fsr-3930	548	14	more	more	ADJ
fsr-3930	548	15	stock	stock	NOUN
fsr-3930	548	16	holdings	holding	NOUN
fsr-3930	548	17	in	in	ADP
fsr-3930	548	18	the	the	DET
fsr-3930	548	19	financial	financial	ADJ
fsr-3930	548	20	portfolio	portfolio	NOUN
fsr-3930	548	21	.	.	PUNCT
fsr-3930	549	1	for	for	ADP
fsr-3930	549	2	some	some	PRON
fsr-3930	549	3	,	,	PUNCT
fsr-3930	549	4	margined	margine	VERB
fsr-3930	549	5	stock	stock	NOUN
fsr-3930	549	6	positions	position	NOUN
fsr-3930	549	7	are	be	AUX
fsr-3930	549	8	required	require	VERB
fsr-3930	549	9	to	to	PART
fsr-3930	549	10	offset	offset	VERB
fsr-3930	549	11	the	the	DET
fsr-3930	549	12	bond	bond	NOUN
fsr-3930	549	13	-	-	PUNCT
fsr-3930	549	14	like	like	ADJ
fsr-3930	549	15	present	present	ADJ
fsr-3930	549	16	value	value	NOUN
fsr-3930	549	17	of	of	ADP
fsr-3930	549	18	social	social	ADJ
fsr-3930	549	19	security	security	NOUN
fsr-3930	549	20	benefits	benefit	NOUN
fsr-3930	549	21	.	.	PUNCT
fsr-3930	550	1	while	while	SCONJ
fsr-3930	550	2	we	we	PRON
fsr-3930	550	3	consider	consider	VERB
fsr-3930	550	4	a	a	DET
fsr-3930	550	5	range	range	NOUN
fsr-3930	550	6	of	of	ADP
fsr-3930	550	7	circumstances	circumstance	NOUN
fsr-3930	550	8	—	—	PUNCT
fsr-3930	550	9	age	age	NOUN
fsr-3930	550	10	,	,	PUNCT
fsr-3930	550	11	marital	marital	ADJ
fsr-3930	550	12	status	status	NOUN
fsr-3930	550	13	,	,	PUNCT
fsr-3930	550	14	savings	saving	NOUN
fsr-3930	550	15	-	-	PUNCT
fsr-3930	550	16	level	level	NOUN
fsr-3930	550	17	and	and	CCONJ
fsr-3930	550	18	(	(	PUNCT
fsr-3930	550	19	in	in	ADP
fsr-3930	550	20	the	the	DET
fsr-3930	550	21	appendix	appendix	ADJ
fsr-3930	550	22	)	)	PUNCT
fsr-3930	550	23	gender	gender	NOUN
fsr-3930	550	24	,	,	PUNCT
fsr-3930	550	25	income	income	NOUN
fsr-3930	550	26	-	-	PUNCT
fsr-3930	550	27	level	level	NOUN
fsr-3930	550	28	and	and	CCONJ
fsr-3930	550	29	retirement	retirement	NOUN
fsr-3930	550	30	age	age	NOUN
fsr-3930	550	31	,	,	PUNCT
fsr-3930	550	32	we	we	PRON
fsr-3930	550	33	encourage	encourage	VERB
fsr-3930	550	34	applying	apply	VERB
fsr-3930	550	35	our	our	PRON
fsr-3930	550	36	approach	approach	NOUN
fsr-3930	550	37	to	to	ADP
fsr-3930	550	38	individual	individual	ADJ
fsr-3930	550	39	circumstances	circumstance	NOUN
fsr-3930	550	40	.	.	PUNCT
fsr-3930	551	1	how	how	SCONJ
fsr-3930	551	2	,	,	PUNCT
fsr-3930	551	3	then	then	ADV
fsr-3930	551	4	,	,	PUNCT
fsr-3930	551	5	should	should	AUX
fsr-3930	551	6	an	an	DET
fsr-3930	551	7	individual	individual	ADJ
fsr-3930	551	8	value	value	NOUN
fsr-3930	551	9	their	their	PRON
fsr-3930	551	10	social	social	ADJ
fsr-3930	551	11	security	security	NOUN
fsr-3930	551	12	benefits	benefit	NOUN
fsr-3930	551	13	for	for	ADP
fsr-3930	551	14	inclusion	inclusion	NOUN
fsr-3930	551	15	in	in	ADP
fsr-3930	551	16	a	a	DET
fsr-3930	551	17	portfolio	portfolio	NOUN
fsr-3930	551	18	?	?	PUNCT
fsr-3930	552	1	first	first	ADV
fsr-3930	552	2	,	,	PUNCT
fsr-3930	552	3	we	we	PRON
fsr-3930	552	4	advise	advise	VERB
fsr-3930	552	5	completing	complete	VERB
fsr-3930	552	6	the	the	DET
fsr-3930	552	7	form	form	NOUN
fsr-3930	552	8	ssa-7004	ssa-7004	NOUN
fsr-3930	552	9	-	-	PUNCT
fsr-3930	552	10	sm	sm	PROPN
fsr-3930	552	11	,	,	PUNCT
fsr-3930	552	12	request	request	NOUN
fsr-3930	552	13	for	for	ADP
fsr-3930	552	14	earnings	earning	NOUN
fsr-3930	552	15	and	and	CCONJ
fsr-3930	552	16	benefit	benefit	NOUN
fsr-3930	552	17	estimate	estimate	NOUN
fsr-3930	552	18	statement	statement	NOUN
fsr-3930	552	19	,	,	PUNCT
fsr-3930	552	20	which	which	PRON
fsr-3930	552	21	is	be	AUX
fsr-3930	552	22	available	available	ADJ
fsr-3930	552	23	on	on	ADP
fsr-3930	552	24	www.ssa.gov	www.ssa.gov	PROPN
fsr-3930	552	25	.	.	PUNCT
fsr-3930	553	1	in	in	ADP
fsr-3930	553	2	completing	complete	VERB
fsr-3930	553	3	the	the	DET
fsr-3930	553	4	form	form	NOUN
fsr-3930	553	5	,	,	PUNCT
fsr-3930	553	6	pay	pay	VERB
fsr-3930	553	7	careful	careful	ADJ
fsr-3930	553	8	attention	attention	NOUN
fsr-3930	553	9	to	to	ADP
fsr-3930	553	10	the	the	DET
fsr-3930	553	11	instructions	instruction	NOUN
fsr-3930	553	12	about	about	ADP
fsr-3930	553	13	average	average	ADJ
fsr-3930	553	14	future	future	ADJ
fsr-3930	553	15	annual	annual	ADJ
fsr-3930	553	16	earnings	earning	NOUN
fsr-3930	553	17	—	—	PUNCT
fsr-3930	553	18	exclude	exclude	VERB
fsr-3930	553	19	any	any	DET
fsr-3930	553	20	cost	cost	NOUN
fsr-3930	553	21	-	-	PUNCT
fsr-3930	553	22	of	of	ADP
fsr-3930	553	23	-	-	PUNCT
fsr-3930	553	24	living	living	NOUN
fsr-3930	553	25	increases	increase	NOUN
fsr-3930	553	26	.	.	PUNCT
fsr-3930	554	1	(	(	PUNCT
fsr-3930	554	2	alternatively	alternatively	ADV
fsr-3930	554	3	,	,	PUNCT
fsr-3930	554	4	www.ssa.gov/planners/calculators.htm	www.ssa.gov/planners/calculators.htm	PROPN
fsr-3930	554	5	offers	offer	VERB
fsr-3930	554	6	three	three	NUM
fsr-3930	554	7	benefit	benefit	NOUN
fsr-3930	554	8	calculators	calculator	NOUN
fsr-3930	554	9	.	.	PUNCT
fsr-3930	554	10	)	)	PUNCT
fsr-3930	555	1	second	second	ADV
fsr-3930	555	2	,	,	PUNCT
fsr-3930	555	3	find	find	VERB
fsr-3930	555	4	the	the	DET
fsr-3930	555	5	wall	wall	PROPN
fsr-3930	555	6	street	street	PROPN
fsr-3930	555	7	journal	journal	PROPN
fsr-3930	555	8	yield	yield	NOUN
fsr-3930	555	9	quote	quote	INTJ
fsr-3930	555	10	for	for	ADP
fsr-3930	555	11	inflation	inflation	NOUN
fsr-3930	555	12	-	-	PUNCT
fsr-3930	555	13	indexed	index	VERB
fsr-3930	555	14	treasury	treasury	NOUN
fsr-3930	555	15	securities	security	NOUN
fsr-3930	555	16	whose	whose	DET
fsr-3930	555	17	maturity	maturity	NOUN
fsr-3930	555	18	approximates	approximate	VERB
fsr-3930	555	19	your	your	PRON
fsr-3930	555	20	years	year	NOUN
fsr-3930	555	21	to	to	ADP
fsr-3930	555	22	retirement	retirement	NOUN
fsr-3930	555	23	.	.	PUNCT
fsr-3930	556	1	third	third	ADV
fsr-3930	556	2	,	,	PUNCT
fsr-3930	556	3	estimate	estimate	VERB
fsr-3930	556	4	your	your	PRON
fsr-3930	556	5	life	life	NOUN
fsr-3930	556	6	expectancy	expectancy	NOUN
fsr-3930	556	7	.	.	PUNCT
fsr-3930	557	1	irs	irs	PROPN
fsr-3930	557	2	publication	publication	NOUN
fsr-3930	557	3	939	939	NUM
fsr-3930	557	4	has	have	VERB
fsr-3930	557	5	actuarial	actuarial	ADJ
fsr-3930	557	6	tables	table	NOUN
fsr-3930	557	7	,	,	PUNCT
fsr-3930	557	8	but	but	CCONJ
fsr-3930	557	9	you	you	PRON
fsr-3930	557	10	may	may	AUX
fsr-3930	557	11	want	want	VERB
fsr-3930	557	12	to	to	PART
fsr-3930	557	13	deviate	deviate	VERB
fsr-3930	557	14	from	from	ADP
fsr-3930	557	15	its	its	PRON
fsr-3930	557	16	median	median	ADJ
fsr-3930	557	17	values	value	NOUN
fsr-3930	557	18	.	.	PUNCT
fsr-3930	558	1	use	use	VERB
fsr-3930	558	2	the	the	DET
fsr-3930	558	3	yield	yield	NOUN
fsr-3930	558	4	and	and	CCONJ
fsr-3930	558	5	life	life	NOUN
fsr-3930	558	6	expectancy	expectancy	NOUN
fsr-3930	558	7	to	to	PART
fsr-3930	558	8	discount	discount	VERB
fsr-3930	558	9	the	the	DET
fsr-3930	558	10	estimated	estimate	VERB
fsr-3930	558	11	benefit	benefit	NOUN
fsr-3930	558	12	.	.	PUNCT
fsr-3930	559	1	remember	remember	VERB
fsr-3930	559	2	this	this	PRON
fsr-3930	559	3	is	be	AUX
fsr-3930	559	4	a	a	DET
fsr-3930	559	5	two	two	NUM
fsr-3930	559	6	-	-	PUNCT
fsr-3930	559	7	stage	stage	NOUN
fsr-3930	559	8	process	process	NOUN
fsr-3930	559	9	—	—	PUNCT
fsr-3930	559	10	compute	compute	VERB
fsr-3930	559	11	the	the	DET
fsr-3930	559	12	value	value	NOUN
fsr-3930	559	13	of	of	ADP
fsr-3930	559	14	the	the	DET
fsr-3930	559	15	expected	expect	VERB
fsr-3930	559	16	benefit	benefit	NOUN
fsr-3930	559	17	annuity	annuity	NOUN
fsr-3930	559	18	as	as	ADP
fsr-3930	559	19	of	of	ADP
fsr-3930	559	20	your	your	PRON
fsr-3930	559	21	expected	expect	VERB
fsr-3930	559	22	retirement	retirement	NOUN
fsr-3930	559	23	date	date	NOUN
fsr-3930	559	24	and	and	CCONJ
fsr-3930	559	25	then	then	ADV
fsr-3930	559	26	discount	discount	VERB
fsr-3930	559	27	the	the	DET
fsr-3930	559	28	value	value	NOUN
fsr-3930	559	29	of	of	ADP
fsr-3930	559	30	that	that	DET
fsr-3930	559	31	future	future	ADJ
fsr-3930	559	32	lump	lump	NOUN
fsr-3930	559	33	sum	sum	NOUN
fsr-3930	559	34	to	to	PART
fsr-3930	559	35	obtain	obtain	VERB
fsr-3930	559	36	today	today	NOUN
fsr-3930	559	37	’s	’s	PART
fsr-3930	559	38	value	value	NOUN
fsr-3930	559	39	.	.	PUNCT
fsr-3930	560	1	see	see	VERB
fsr-3930	560	2	eq	eq	NOUN
fsr-3930	560	3	.	.	PUNCT
fsr-3930	561	1	(	(	PUNCT
fsr-3930	561	2	1	1	NUM
fsr-3930	561	3	)	)	PUNCT
fsr-3930	561	4	.	.	PUNCT
fsr-3930	562	1	5.2	5.2	NUM
fsr-3930	562	2	.	.	PUNCT
fsr-3930	562	3	implications	implication	NOUN
fsr-3930	562	4	and	and	CCONJ
fsr-3930	562	5	extensions	extension	NOUN
fsr-3930	562	6	the	the	DET
fsr-3930	562	7	key	key	ADJ
fsr-3930	562	8	practical	practical	ADJ
fsr-3930	562	9	impact	impact	NOUN
fsr-3930	562	10	of	of	ADP
fsr-3930	562	11	this	this	DET
fsr-3930	562	12	paper	paper	NOUN
fsr-3930	562	13	is	be	AUX
fsr-3930	562	14	to	to	PART
fsr-3930	562	15	demonstrate	demonstrate	VERB
fsr-3930	562	16	that	that	SCONJ
fsr-3930	562	17	the	the	DET
fsr-3930	562	18	present	present	ADJ
fsr-3930	562	19	value	value	NOUN
fsr-3930	562	20	of	of	ADP
fsr-3930	562	21	social	social	ADJ
fsr-3930	562	22	security	security	NOUN
fsr-3930	562	23	benefits	benefit	NOUN
fsr-3930	562	24	is	be	AUX
fsr-3930	562	25	properly	properly	ADV
fsr-3930	562	26	considered	consider	VERB
fsr-3930	562	27	part	part	NOUN
fsr-3930	562	28	of	of	ADP
fsr-3930	562	29	investors	investor	NOUN
fsr-3930	562	30	total	total	NOUN
fsr-3930	562	31	portfolio	portfolio	NOUN
fsr-3930	562	32	and	and	CCONJ
fsr-3930	562	33	that	that	SCONJ
fsr-3930	562	34	excluding	exclude	VERB
fsr-3930	562	35	social	social	ADJ
fsr-3930	562	36	security	security	NOUN
fsr-3930	562	37	has	have	VERB
fsr-3930	562	38	a	a	DET
fsr-3930	562	39	striking	striking	ADJ
fsr-3930	562	40	impact	impact	NOUN
fsr-3930	562	41	on	on	ADP
fsr-3930	562	42	their	their	PRON
fsr-3930	562	43	finances	finance	NOUN
fsr-3930	562	44	and	and	CCONJ
fsr-3930	562	45	investment	investment	NOUN
fsr-3930	562	46	decisions	decision	NOUN
fsr-3930	562	47	.	.	PUNCT
fsr-3930	563	1	a	a	DET
fsr-3930	563	2	key	key	ADJ
fsr-3930	563	3	contribution	contribution	NOUN
fsr-3930	563	4	of	of	ADP
fsr-3930	563	5	this	this	DET
fsr-3930	563	6	paper	paper	NOUN
fsr-3930	563	7	is	be	AUX
fsr-3930	563	8	providing	provide	VERB
fsr-3930	563	9	a	a	DET
fsr-3930	563	10	well	well	ADV
fsr-3930	563	11	-	-	PUNCT
fsr-3930	563	12	reasoned	reason	VERB
fsr-3930	563	13	means	mean	NOUN
fsr-3930	563	14	of	of	ADP
fsr-3930	563	15	quantifying	quantify	VERB
fsr-3930	563	16	social	social	ADJ
fsr-3930	563	17	security	security	NOUN
fsr-3930	563	18	wealth	wealth	NOUN
fsr-3930	563	19	.	.	PUNCT
fsr-3930	564	1	once	once	ADV
fsr-3930	564	2	a	a	DET
fsr-3930	564	3	dollar	dollar	NOUN
fsr-3930	564	4	value	value	NOUN
fsr-3930	564	5	is	be	AUX
fsr-3930	564	6	assigned	assign	VERB
fsr-3930	564	7	to	to	ADP
fsr-3930	564	8	social	social	ADJ
fsr-3930	564	9	security	security	NOUN
fsr-3930	564	10	,	,	PUNCT
fsr-3930	564	11	it	it	PRON
fsr-3930	564	12	can	can	AUX
fsr-3930	564	13	be	be	AUX
fsr-3930	564	14	properly	properly	ADV
fsr-3930	564	15	integrated	integrate	VERB
fsr-3930	564	16	into	into	ADP
fsr-3930	564	17	a	a	DET
fsr-3930	564	18	portfolio	portfolio	NOUN
fsr-3930	564	19	.	.	PUNCT
fsr-3930	565	1	rarely	rarely	ADV
fsr-3930	565	2	do	do	VERB
fsr-3930	565	3	asset	asset	NOUN
fsr-3930	565	4	-	-	PUNCT
fsr-3930	565	5	mix	mix	NOUN
fsr-3930	565	6	prescriptions	prescription	NOUN
fsr-3930	565	7	incorporate	incorporate	VERB
fsr-3930	565	8	marital	marital	ADJ
fsr-3930	565	9	status	status	NOUN
fsr-3930	565	10	;	;	PUNCT
fsr-3930	565	11	none	none	NOUN
fsr-3930	565	12	that	that	PRON
fsr-3930	565	13	we	we	PRON
fsr-3930	565	14	consider	consider	VERB
fsr-3930	565	15	does	do	VERB
fsr-3930	565	16	so	so	ADV
fsr-3930	565	17	.	.	PUNCT
fsr-3930	566	1	some	some	PRON
fsr-3930	566	2	suggest	suggest	VERB
fsr-3930	566	3	that	that	SCONJ
fsr-3930	566	4	single	single	ADJ
fsr-3930	566	5	investors	investor	NOUN
fsr-3930	566	6	can	can	AUX
fsr-3930	566	7	accept	accept	VERB
fsr-3930	566	8	more	more	ADJ
fsr-3930	566	9	risk	risk	NOUN
fsr-3930	566	10	(	(	PUNCT
fsr-3930	566	11	e.g.	e.g.	ADV
fsr-3930	566	12	,	,	PUNCT
fsr-3930	566	13	gutner	gutner	NOUN
fsr-3930	566	14	,	,	PUNCT
fsr-3930	566	15	2000	2000	NUM
fsr-3930	566	16	)	)	PUNCT
fsr-3930	566	17	.	.	PUNCT
fsr-3930	567	1	the	the	DET
fsr-3930	567	2	present	present	ADJ
fsr-3930	567	3	value	value	NOUN
fsr-3930	567	4	of	of	ADP
fsr-3930	567	5	a	a	DET
fsr-3930	567	6	couple	couple	NOUN
fsr-3930	567	7	’s	’s	PART
fsr-3930	567	8	social	social	ADJ
fsr-3930	567	9	security	security	NOUN
fsr-3930	567	10	annuity	annuity	NOUN
fsr-3930	567	11	is	be	AUX
fsr-3930	567	12	more	more	ADV
fsr-3930	567	13	valuable	valuable	ADJ
fsr-3930	567	14	than	than	ADP
fsr-3930	567	15	a	a	DET
fsr-3930	567	16	single	single	ADJ
fsr-3930	567	17	person	person	NOUN
fsr-3930	567	18	’s	’s	PART
fsr-3930	567	19	annuity	annuity	NOUN
fsr-3930	567	20	.	.	PUNCT
fsr-3930	568	1	if	if	SCONJ
fsr-3930	568	2	asset	asset	NOUN
fsr-3930	568	3	-	-	PUNCT
fsr-3930	568	4	mix	mix	NOUN
fsr-3930	568	5	decision	decision	NOUN
fsr-3930	568	6	rules	rule	NOUN
fsr-3930	568	7	apply	apply	VERB
fsr-3930	568	8	to	to	ADP
fsr-3930	568	9	financial	financial	ADJ
fsr-3930	568	10	portfolios	portfolio	NOUN
fsr-3930	568	11	,	,	PUNCT
fsr-3930	568	12	couples	couple	NOUN
fsr-3930	568	13	are	be	AUX
fsr-3930	568	14	inherently	inherently	ADV
fsr-3930	568	15	implementing	implement	VERB
fsr-3930	568	16	a	a	DET
fsr-3930	568	17	less	less	ADV
fsr-3930	568	18	risky	risky	ADJ
fsr-3930	568	19	expanded	expand	VERB
fsr-3930	568	20	portfolio	portfolio	NOUN
fsr-3930	568	21	;	;	PUNCT
fsr-3930	568	22	conversely	conversely	ADV
fsr-3930	568	23	,	,	PUNCT
fsr-3930	568	24	singles	single	NOUN
fsr-3930	568	25	already	already	ADV
fsr-3930	568	26	have	have	VERB
fsr-3930	568	27	a	a	DET
fsr-3930	568	28	more	more	ADV
fsr-3930	568	29	risky	risky	ADJ
fsr-3930	568	30	expanded	expand	VERB
fsr-3930	568	31	portfolio	portfolio	NOUN
fsr-3930	568	32	—	—	PUNCT
fsr-3930	568	33	without	without	ADP
fsr-3930	568	34	adjusting	adjust	VERB
fsr-3930	568	35	the	the	DET
fsr-3930	568	36	financial	financial	ADJ
fsr-3930	568	37	portfolio	portfolio	NOUN
fsr-3930	568	38	.	.	PUNCT
fsr-3930	569	1	if	if	SCONJ
fsr-3930	569	2	,	,	PUNCT
fsr-3930	569	3	instead	instead	ADV
fsr-3930	569	4	,	,	PUNCT
fsr-3930	569	5	the	the	DET
fsr-3930	569	6	asset	asset	NOUN
fsr-3930	569	7	-	-	PUNCT
fsr-3930	569	8	mix	mix	NOUN
fsr-3930	569	9	decision	decision	NOUN
fsr-3930	569	10	rules	rule	NOUN
fsr-3930	569	11	apply	apply	VERB
fsr-3930	569	12	to	to	ADP
fsr-3930	569	13	expanded	expand	VERB
fsr-3930	569	14	portfolios	portfolio	NOUN
fsr-3930	569	15	,	,	PUNCT
fsr-3930	569	16	couples	couple	NOUN
fsr-3930	569	17	require	require	VERB
fsr-3930	569	18	riskier	risky	ADJ
fsr-3930	569	19	,	,	PUNCT
fsr-3930	569	20	stock	stock	NOUN
fsr-3930	569	21	-	-	PUNCT
fsr-3930	569	22	heavy	heavy	ADJ
fsr-3930	569	23	financial	financial	ADJ
fsr-3930	569	24	portfolios	portfolio	NOUN
fsr-3930	569	25	to	to	PART
fsr-3930	569	26	offset	offset	VERB
fsr-3930	569	27	their	their	PRON
fsr-3930	569	28	greater	great	ADJ
fsr-3930	569	29	social	social	ADJ
fsr-3930	569	30	security	security	NOUN
fsr-3930	569	31	wealth	wealth	NOUN
fsr-3930	569	32	.	.	PUNCT
fsr-3930	570	1	another	another	DET
fsr-3930	570	2	implication	implication	NOUN
fsr-3930	570	3	of	of	ADP
fsr-3930	570	4	this	this	DET
fsr-3930	570	5	paper	paper	NOUN
fsr-3930	570	6	is	be	AUX
fsr-3930	570	7	that	that	DET
fsr-3930	570	8	question	question	NOUN
fsr-3930	570	9	about	about	ADP
fsr-3930	570	10	the	the	DET
fsr-3930	570	11	prospects	prospect	NOUN
fsr-3930	570	12	for	for	ADP
fsr-3930	570	13	social	social	ADJ
fsr-3930	570	14	security	security	NOUN
fsr-3930	570	15	introduce	introduce	VERB
fsr-3930	570	16	a	a	DET
fsr-3930	570	17	paradox	paradox	NOUN
fsr-3930	570	18	.	.	PUNCT
fsr-3930	571	1	a	a	DET
fsr-3930	571	2	lower	low	ADJ
fsr-3930	571	3	probability	probability	NOUN
fsr-3930	571	4	of	of	ADP
fsr-3930	571	5	social	social	ADJ
fsr-3930	571	6	security	security	NOUN
fsr-3930	571	7	surviving	surviving	NOUN
fsr-3930	571	8	implies	imply	VERB
fsr-3930	571	9	social	social	ADJ
fsr-3930	571	10	security	security	NOUN
fsr-3930	571	11	wealth	wealth	NOUN
fsr-3930	571	12	is	be	AUX
fsr-3930	571	13	lower	low	ADJ
fsr-3930	571	14	.	.	PUNCT
fsr-3930	572	1	given	give	VERB
fsr-3930	572	2	a	a	DET
fsr-3930	572	3	specific	specific	ADJ
fsr-3930	572	4	asset	asset	NOUN
fsr-3930	572	5	mix	mix	NOUN
fsr-3930	572	6	decision	decision	NOUN
fsr-3930	572	7	rule	rule	NOUN
fsr-3930	572	8	for	for	ADP
fsr-3930	572	9	the	the	DET
fsr-3930	572	10	expanded	expand	VERB
fsr-3930	572	11	portfolio	portfolio	NOUN
fsr-3930	572	12	,	,	PUNCT
fsr-3930	572	13	this	this	DET
fsr-3930	572	14	320	320	NUM
fsr-3930	572	15	s.p	s.p	PROPN
fsr-3930	572	16	.	.	PUNCT
fsr-3930	572	17	fraser	fraser	PROPN
fsr-3930	572	18	et	et	PROPN
fsr-3930	572	19	al	al	PROPN
fsr-3930	572	20	.	.	PUNCT
fsr-3930	572	21	/	/	SYM
fsr-3930	572	22	financial	financial	ADJ
fsr-3930	572	23	services	service	NOUN
fsr-3930	572	24	review	review	VERB
fsr-3930	572	25	9	9	NUM
fsr-3930	572	26	(	(	PUNCT
fsr-3930	572	27	2000	2000	NUM
fsr-3930	572	28	)	)	PUNCT
fsr-3930	573	1	295–326	295–326	PROPN
fsr-3930	573	2	implies	imply	VERB
fsr-3930	573	3	a	a	DET
fsr-3930	573	4	smaller	small	ADJ
fsr-3930	573	5	equity	equity	NOUN
fsr-3930	573	6	allocation	allocation	NOUN
fsr-3930	573	7	in	in	ADP
fsr-3930	573	8	the	the	DET
fsr-3930	573	9	financial	financial	ADJ
fsr-3930	573	10	portfolio	portfolio	NOUN
fsr-3930	573	11	since	since	SCONJ
fsr-3930	573	12	the	the	DET
fsr-3930	573	13	expanded	expand	VERB
fsr-3930	573	14	portfolio	portfolio	NOUN
fsr-3930	573	15	has	have	VERB
fsr-3930	573	16	less	less	ADJ
fsr-3930	573	17	fixed	fix	VERB
fsr-3930	573	18	income	income	NOUN
fsr-3930	573	19	.	.	PUNCT
fsr-3930	574	1	however	however	ADV
fsr-3930	574	2	,	,	PUNCT
fsr-3930	574	3	less	less	ADV
fsr-3930	574	4	social	social	ADJ
fsr-3930	574	5	security	security	NOUN
fsr-3930	574	6	wealth	wealth	NOUN
fsr-3930	574	7	also	also	ADV
fsr-3930	574	8	reduces	reduce	VERB
fsr-3930	574	9	the	the	DET
fsr-3930	574	10	size	size	NOUN
fsr-3930	574	11	of	of	ADP
fsr-3930	574	12	the	the	DET
fsr-3930	574	13	expanded	expand	VERB
fsr-3930	574	14	portfolio	portfolio	NOUN
fsr-3930	574	15	—	—	PUNCT
fsr-3930	574	16	suggesting	suggest	VERB
fsr-3930	574	17	a	a	DET
fsr-3930	574	18	need	need	NOUN
fsr-3930	574	19	for	for	SCONJ
fsr-3930	574	20	more	more	ADJ
fsr-3930	574	21	equity	equity	NOUN
fsr-3930	574	22	to	to	PART
fsr-3930	574	23	grow	grow	VERB
fsr-3930	574	24	the	the	DET
fsr-3930	574	25	portfolio	portfolio	NOUN
fsr-3930	574	26	to	to	PART
fsr-3930	574	27	meet	meet	VERB
fsr-3930	574	28	future	future	ADJ
fsr-3930	574	29	cash	cash	NOUN
fsr-3930	574	30	flow	flow	NOUN
fsr-3930	574	31	needs	need	NOUN
fsr-3930	574	32	.	.	PUNCT
fsr-3930	575	1	we	we	PRON
fsr-3930	575	2	focus	focus	VERB
fsr-3930	575	3	on	on	ADP
fsr-3930	575	4	first	first	ADJ
fsr-3930	575	5	-	-	PUNCT
fsr-3930	575	6	order	order	NOUN
fsr-3930	575	7	strategic	strategic	ADJ
fsr-3930	575	8	asset	asset	NOUN
fsr-3930	575	9	allocation	allocation	NOUN
fsr-3930	575	10	implications	implication	NOUN
fsr-3930	575	11	under	under	ADP
fsr-3930	575	12	asset	asset	NOUN
fsr-3930	575	13	mix	mix	NOUN
fsr-3930	575	14	decision	decision	NOUN
fsr-3930	575	15	rules	rule	NOUN
fsr-3930	575	16	.	.	PUNCT
fsr-3930	576	1	expanding	expand	VERB
fsr-3930	576	2	the	the	DET
fsr-3930	576	3	analysis	analysis	NOUN
fsr-3930	576	4	to	to	PART
fsr-3930	576	5	include	include	VERB
fsr-3930	576	6	a	a	DET
fsr-3930	576	7	liability	liability	NOUN
fsr-3930	576	8	representing	represent	VERB
fsr-3930	576	9	future	future	ADJ
fsr-3930	576	10	cash	cash	NOUN
fsr-3930	576	11	flow	flow	NOUN
fsr-3930	576	12	needs	need	NOUN
fsr-3930	576	13	is	be	AUX
fsr-3930	576	14	left	leave	VERB
fsr-3930	576	15	to	to	ADP
fsr-3930	576	16	future	future	ADJ
fsr-3930	576	17	work	work	NOUN
fsr-3930	576	18	.	.	PUNCT
fsr-3930	577	1	putting	put	VERB
fsr-3930	577	2	aside	aside	ADP
fsr-3930	577	3	questions	question	NOUN
fsr-3930	577	4	about	about	ADP
fsr-3930	577	5	social	social	ADJ
fsr-3930	577	6	security	security	NOUN
fsr-3930	577	7	’s	’s	PART
fsr-3930	577	8	future	future	NOUN
fsr-3930	577	9	,	,	PUNCT
fsr-3930	577	10	this	this	DET
fsr-3930	577	11	analysis	analysis	NOUN
fsr-3930	577	12	creates	create	VERB
fsr-3930	577	13	arguments	argument	NOUN
fsr-3930	577	14	for	for	ADP
fsr-3930	577	15	adding	add	VERB
fsr-3930	577	16	stock	stock	NOUN
fsr-3930	577	17	to	to	ADP
fsr-3930	577	18	the	the	DET
fsr-3930	577	19	asset	asset	NOUN
fsr-3930	577	20	mix	mix	NOUN
fsr-3930	577	21	.	.	PUNCT
fsr-3930	578	1	for	for	ADP
fsr-3930	578	2	some	some	DET
fsr-3930	578	3	investors	investor	NOUN
fsr-3930	578	4	,	,	PUNCT
fsr-3930	578	5	bonds	bond	NOUN
fsr-3930	578	6	are	be	AUX
fsr-3930	578	7	comforting	comfort	VERB
fsr-3930	578	8	—	—	PUNCT
fsr-3930	578	9	to	to	ADP
fsr-3930	578	10	the	the	DET
fsr-3930	578	11	potential	potential	ADJ
fsr-3930	578	12	detriment	detriment	NOUN
fsr-3930	578	13	of	of	ADP
fsr-3930	578	14	their	their	PRON
fsr-3930	578	15	portfolio	portfolio	NOUN
fsr-3930	578	16	.	.	PUNCT
fsr-3930	579	1	the	the	DET
fsr-3930	579	2	similarity	similarity	NOUN
fsr-3930	579	3	between	between	ADP
fsr-3930	579	4	inflation	inflation	NOUN
fsr-3930	579	5	-	-	PUNCT
fsr-3930	579	6	indexed	index	VERB
fsr-3930	579	7	social	social	ADJ
fsr-3930	579	8	security	security	NOUN
fsr-3930	579	9	payments	payment	NOUN
fsr-3930	579	10	and	and	CCONJ
fsr-3930	579	11	inflation	inflation	NOUN
fsr-3930	579	12	-	-	PUNCT
fsr-3930	579	13	indexed	index	VERB
fsr-3930	579	14	tips	tip	NOUN
fsr-3930	579	15	payments	payment	NOUN
fsr-3930	579	16	is	be	AUX
fsr-3930	579	17	simple	simple	ADJ
fsr-3930	579	18	and	and	CCONJ
fsr-3930	579	19	persuasive	persuasive	ADJ
fsr-3930	579	20	.	.	PUNCT
fsr-3930	580	1	the	the	DET
fsr-3930	580	2	idea	idea	NOUN
fsr-3930	580	3	of	of	ADP
fsr-3930	580	4	an	an	DET
fsr-3930	580	5	expanded	expand	VERB
fsr-3930	580	6	portfolio	portfolio	NOUN
fsr-3930	580	7	(	(	PUNCT
fsr-3930	580	8	with	with	ADP
fsr-3930	580	9	comforting	comfort	VERB
fsr-3930	580	10	bond	bond	NOUN
fsr-3930	580	11	-	-	PUNCT
fsr-3930	580	12	like	like	ADJ
fsr-3930	580	13	social	social	ADJ
fsr-3930	580	14	security	security	NOUN
fsr-3930	580	15	wealth	wealth	NOUN
fsr-3930	580	16	)	)	PUNCT
fsr-3930	580	17	encourages	encourage	VERB
fsr-3930	580	18	and	and	CCONJ
fsr-3930	580	19	enables	enable	VERB
fsr-3930	580	20	increased	increase	VERB
fsr-3930	580	21	stockholdings	stockholding	NOUN
fsr-3930	580	22	to	to	PART
fsr-3930	580	23	achieve	achieve	VERB
fsr-3930	580	24	target	target	NOUN
fsr-3930	580	25	asset	asset	NOUN
fsr-3930	580	26	allocations	allocation	NOUN
fsr-3930	580	27	.	.	PUNCT
fsr-3930	581	1	there	there	PRON
fsr-3930	581	2	are	be	VERB
fsr-3930	581	3	many	many	ADJ
fsr-3930	581	4	other	other	ADJ
fsr-3930	581	5	possible	possible	ADJ
fsr-3930	581	6	extensions	extension	NOUN
fsr-3930	581	7	to	to	ADP
fsr-3930	581	8	this	this	DET
fsr-3930	581	9	investigation	investigation	NOUN
fsr-3930	581	10	.	.	PUNCT
fsr-3930	582	1	we	we	PRON
fsr-3930	582	2	ignore	ignore	VERB
fsr-3930	582	3	a	a	DET
fsr-3930	582	4	range	range	NOUN
fsr-3930	582	5	of	of	ADP
fsr-3930	582	6	additional	additional	ADJ
fsr-3930	582	7	nonretirement	nonretirement	ADJ
fsr-3930	582	8	social	social	ADJ
fsr-3930	582	9	security	security	NOUN
fsr-3930	582	10	benefits	benefit	NOUN
fsr-3930	582	11	;	;	PUNCT
fsr-3930	582	12	including	include	VERB
fsr-3930	582	13	them	they	PRON
fsr-3930	582	14	would	would	AUX
fsr-3930	582	15	only	only	ADV
fsr-3930	582	16	increase	increase	VERB
fsr-3930	582	17	the	the	DET
fsr-3930	582	18	value	value	NOUN
fsr-3930	582	19	of	of	ADP
fsr-3930	582	20	social	social	ADJ
fsr-3930	582	21	security	security	NOUN
fsr-3930	582	22	.	.	PUNCT
fsr-3930	583	1	one	one	PRON
fsr-3930	583	2	could	could	AUX
fsr-3930	583	3	extend	extend	VERB
fsr-3930	583	4	the	the	DET
fsr-3930	583	5	analysis	analysis	NOUN
fsr-3930	583	6	to	to	PART
fsr-3930	583	7	reflect	reflect	VERB
fsr-3930	583	8	the	the	DET
fsr-3930	583	9	probability	probability	NOUN
fsr-3930	583	10	of	of	ADP
fsr-3930	583	11	outliving	outlive	VERB
fsr-3930	583	12	the	the	DET
fsr-3930	583	13	actuarial	actuarial	ADJ
fsr-3930	583	14	life	life	NOUN
fsr-3930	583	15	expectancy	expectancy	NOUN
fsr-3930	583	16	.	.	PUNCT
fsr-3930	584	1	we	we	PRON
fsr-3930	584	2	assume	assume	VERB
fsr-3930	584	3	couples	couple	NOUN
fsr-3930	584	4	were	be	AUX
fsr-3930	584	5	the	the	DET
fsr-3930	584	6	same	same	ADJ
fsr-3930	584	7	age	age	NOUN
fsr-3930	584	8	and	and	CCONJ
fsr-3930	584	9	used	use	VERB
fsr-3930	584	10	gender	gender	NOUN
fsr-3930	584	11	-	-	PUNCT
fsr-3930	584	12	neutral	neutral	ADJ
fsr-3930	584	13	actuarial	actuarial	ADJ
fsr-3930	584	14	tables	table	NOUN
fsr-3930	584	15	.	.	PUNCT
fsr-3930	585	1	we	we	PRON
fsr-3930	585	2	make	make	VERB
fsr-3930	585	3	several	several	ADJ
fsr-3930	585	4	simplifying	simplifying	NOUN
fsr-3930	585	5	assumptions	assumption	NOUN
fsr-3930	585	6	related	relate	VERB
fsr-3930	585	7	to	to	ADP
fsr-3930	585	8	considering	consider	VERB
fsr-3930	585	9	only	only	ADV
fsr-3930	585	10	a	a	DET
fsr-3930	585	11	high	high	ADJ
fsr-3930	585	12	earner	earner	NOUN
fsr-3930	585	13	who	who	PRON
fsr-3930	585	14	receives	receive	VERB
fsr-3930	585	15	maximum	maximum	ADJ
fsr-3930	585	16	social	social	ADJ
fsr-3930	585	17	security	security	NOUN
fsr-3930	585	18	benefits	benefit	NOUN
fsr-3930	585	19	,	,	PUNCT
fsr-3930	585	20	but	but	CCONJ
fsr-3930	585	21	social	social	ADJ
fsr-3930	585	22	security	security	NOUN
fsr-3930	585	23	’s	’s	PART
fsr-3930	585	24	social	social	ADJ
fsr-3930	585	25	insurance	insurance	NOUN
fsr-3930	585	26	aspects	aspect	NOUN
fsr-3930	585	27	favor	favor	VERB
fsr-3930	585	28	low	low	ADJ
fsr-3930	585	29	and	and	CCONJ
fsr-3930	585	30	middle	middle	ADJ
fsr-3930	585	31	earners	earner	NOUN
fsr-3930	585	32	.	.	PUNCT
fsr-3930	586	1	if	if	SCONJ
fsr-3930	586	2	private	private	ADJ
fsr-3930	586	3	savings	saving	NOUN
fsr-3930	586	4	is	be	AUX
fsr-3930	586	5	proportional	proportional	ADJ
fsr-3930	586	6	to	to	ADP
fsr-3930	586	7	income	income	NOUN
fsr-3930	586	8	,	,	PUNCT
fsr-3930	586	9	the	the	DET
fsr-3930	586	10	portfolio	portfolio	NOUN
fsr-3930	586	11	impact	impact	NOUN
fsr-3930	586	12	for	for	ADP
fsr-3930	586	13	low	low	ADJ
fsr-3930	586	14	and	and	CCONJ
fsr-3930	586	15	middle	middle	ADJ
fsr-3930	586	16	earners	earner	NOUN
fsr-3930	586	17	will	will	AUX
fsr-3930	586	18	be	be	AUX
fsr-3930	586	19	even	even	ADV
fsr-3930	586	20	greater	great	ADJ
fsr-3930	586	21	than	than	ADP
fsr-3930	586	22	the	the	DET
fsr-3930	586	23	dramatic	dramatic	ADJ
fsr-3930	586	24	impact	impact	NOUN
fsr-3930	586	25	we	we	PRON
fsr-3930	586	26	show	show	VERB
fsr-3930	586	27	for	for	ADP
fsr-3930	586	28	high	high	ADJ
fsr-3930	586	29	earners	earner	NOUN
fsr-3930	586	30	.	.	PUNCT
fsr-3930	587	1	all	all	PRON
fsr-3930	587	2	of	of	ADP
fsr-3930	587	3	these	these	DET
fsr-3930	587	4	impacts	impact	NOUN
fsr-3930	587	5	could	could	AUX
fsr-3930	587	6	be	be	AUX
fsr-3930	587	7	quantified	quantify	VERB
fsr-3930	587	8	in	in	ADP
fsr-3930	587	9	detail	detail	NOUN
fsr-3930	587	10	;	;	PUNCT
fsr-3930	587	11	instead	instead	ADV
fsr-3930	587	12	,	,	PUNCT
fsr-3930	587	13	we	we	PRON
fsr-3930	587	14	briefly	briefly	ADV
fsr-3930	587	15	consider	consider	VERB
fsr-3930	587	16	gender	gender	NOUN
fsr-3930	587	17	,	,	PUNCT
fsr-3930	587	18	income	income	NOUN
fsr-3930	587	19	-	-	PUNCT
fsr-3930	587	20	level	level	NOUN
fsr-3930	587	21	and	and	CCONJ
fsr-3930	587	22	retirement	retirement	NOUN
fsr-3930	587	23	-	-	PUNCT
fsr-3930	587	24	age	age	NOUN
fsr-3930	587	25	in	in	ADP
fsr-3930	587	26	the	the	DET
fsr-3930	587	27	appendix	appendix	NOUN
fsr-3930	587	28	.	.	PUNCT
fsr-3930	588	1	however	however	ADV
fsr-3930	588	2	,	,	PUNCT
fsr-3930	588	3	the	the	DET
fsr-3930	588	4	point	point	NOUN
fsr-3930	588	5	of	of	ADP
fsr-3930	588	6	this	this	DET
fsr-3930	588	7	paper	paper	NOUN
fsr-3930	588	8	is	be	AUX
fsr-3930	588	9	to	to	PART
fsr-3930	588	10	demonstrate	demonstrate	VERB
fsr-3930	588	11	a	a	DET
fsr-3930	588	12	method	method	NOUN
fsr-3930	588	13	of	of	ADP
fsr-3930	588	14	quantifying	quantify	VERB
fsr-3930	588	15	social	social	ADJ
fsr-3930	588	16	security	security	NOUN
fsr-3930	588	17	wealth	wealth	NOUN
fsr-3930	588	18	and	and	CCONJ
fsr-3930	588	19	demonstrate	demonstrate	VERB
fsr-3930	588	20	its	its	PRON
fsr-3930	588	21	portfolio	portfolio	NOUN
fsr-3930	588	22	impact	impact	NOUN
fsr-3930	588	23	;	;	PUNCT
fsr-3930	588	24	rather	rather	ADV
fsr-3930	588	25	than	than	SCONJ
fsr-3930	588	26	attempt	attempt	VERB
fsr-3930	588	27	to	to	PART
fsr-3930	588	28	accommodate	accommodate	VERB
fsr-3930	588	29	infinite	infinite	ADJ
fsr-3930	588	30	variations	variation	NOUN
fsr-3930	588	31	,	,	PUNCT
fsr-3930	588	32	we	we	PRON
fsr-3930	588	33	suggest	suggest	VERB
fsr-3930	588	34	that	that	SCONJ
fsr-3930	588	35	our	our	PRON
fsr-3930	588	36	method	method	NOUN
fsr-3930	588	37	be	be	AUX
fsr-3930	588	38	applied	apply	VERB
fsr-3930	588	39	to	to	ADP
fsr-3930	588	40	an	an	DET
fsr-3930	588	41	individual	individual	NOUN
fsr-3930	588	42	’s	’s	PART
fsr-3930	588	43	specific	specific	ADJ
fsr-3930	588	44	circumstances	circumstance	NOUN
fsr-3930	588	45	.	.	PUNCT
fsr-3930	589	1	to	to	PART
fsr-3930	589	2	be	be	AUX
fsr-3930	589	3	realistic	realistic	ADJ
fsr-3930	589	4	,	,	PUNCT
fsr-3930	589	5	the	the	DET
fsr-3930	589	6	dual	dual	ADJ
fsr-3930	589	7	prescriptions	prescription	NOUN
fsr-3930	589	8	of	of	ADP
fsr-3930	589	9	this	this	DET
fsr-3930	589	10	paper	paper	NOUN
fsr-3930	589	11	—	—	PUNCT
fsr-3930	589	12	accurately	accurately	ADV
fsr-3930	589	13	valuing	value	VERB
fsr-3930	589	14	social	social	ADJ
fsr-3930	589	15	security	security	NOUN
fsr-3930	589	16	wealth	wealth	NOUN
fsr-3930	589	17	and	and	CCONJ
fsr-3930	589	18	then	then	ADV
fsr-3930	589	19	integrating	integrate	VERB
fsr-3930	589	20	that	that	DET
fsr-3930	589	21	wealth	wealth	NOUN
fsr-3930	589	22	into	into	ADP
fsr-3930	589	23	asset	asset	NOUN
fsr-3930	589	24	mix	mix	NOUN
fsr-3930	589	25	decisions	decision	NOUN
fsr-3930	589	26	—	—	PUNCT
fsr-3930	589	27	will	will	AUX
fsr-3930	589	28	most	most	ADV
fsr-3930	589	29	likely	likely	ADV
fsr-3930	589	30	be	be	AUX
fsr-3930	589	31	implemented	implement	VERB
fsr-3930	589	32	by	by	ADP
fsr-3930	589	33	financial	financial	ADJ
fsr-3930	589	34	educators	educator	NOUN
fsr-3930	589	35	or	or	CCONJ
fsr-3930	589	36	financial	financial	ADJ
fsr-3930	589	37	planners	planner	NOUN
fsr-3930	589	38	.	.	PUNCT
fsr-3930	590	1	we	we	PRON
fsr-3930	590	2	agree	agree	VERB
fsr-3930	590	3	with	with	ADP
fsr-3930	590	4	kritzman	kritzman	NOUN
fsr-3930	590	5	(	(	PUNCT
fsr-3930	590	6	1992	1992	NUM
fsr-3930	590	7	)	)	PUNCT
fsr-3930	590	8	that	that	SCONJ
fsr-3930	590	9	“	"	PUNCT
fsr-3930	590	10	the	the	DET
fsr-3930	590	11	key	key	ADJ
fsr-3930	590	12	challenge	challenge	NOUN
fsr-3930	590	13	.	.	PUNCT
fsr-3930	590	14	.	.	PUNCT
fsr-3930	591	1	.	.	PUNCT
fsr-3930	592	1	is	be	AUX
fsr-3930	592	2	to	to	PART
fsr-3930	592	3	present	present	VERB
fsr-3930	592	4	asset	asset	NOUN
fsr-3930	592	5	allocation	allocation	NOUN
fsr-3930	592	6	(	(	PUNCT
fsr-3930	592	7	to	to	ADP
fsr-3930	592	8	individuals	individual	NOUN
fsr-3930	592	9	)	)	PUNCT
fsr-3930	592	10	in	in	ADP
fsr-3930	592	11	a	a	DET
fsr-3930	592	12	way	way	NOUN
fsr-3930	592	13	that	that	PRON
fsr-3930	592	14	appeals	appeal	VERB
fsr-3930	592	15	to	to	ADP
fsr-3930	592	16	an	an	DET
fsr-3930	592	17	individual	individual	NOUN
fsr-3930	592	18	’s	’s	PART
fsr-3930	592	19	intuition	intuition	NOUN
fsr-3930	592	20	without	without	ADP
fsr-3930	592	21	compromising	compromise	VERB
fsr-3930	592	22	the	the	DET
fsr-3930	592	23	integrity	integrity	NOUN
fsr-3930	592	24	of	of	ADP
fsr-3930	592	25	the	the	DET
fsr-3930	592	26	analysis	analysis	NOUN
fsr-3930	592	27	.	.	PUNCT
fsr-3930	592	28	”	"	PUNCT
fsr-3930	593	1	as	as	SCONJ
fsr-3930	593	2	stated	state	VERB
fsr-3930	593	3	above	above	ADV
fsr-3930	593	4	,	,	PUNCT
fsr-3930	593	5	we	we	PRON
fsr-3930	593	6	find	find	VERB
fsr-3930	593	7	the	the	DET
fsr-3930	593	8	parallel	parallel	NOUN
fsr-3930	593	9	between	between	ADP
fsr-3930	593	10	social	social	ADJ
fsr-3930	593	11	security	security	NOUN
fsr-3930	593	12	payments	payment	NOUN
fsr-3930	593	13	and	and	CCONJ
fsr-3930	593	14	inflation	inflation	NOUN
fsr-3930	593	15	-	-	PUNCT
fsr-3930	593	16	indexed	index	VERB
fsr-3930	593	17	treasury	treasury	NOUN
fsr-3930	593	18	bond	bond	NOUN
fsr-3930	593	19	coupon	coupon	NOUN
fsr-3930	593	20	payments	payment	NOUN
fsr-3930	593	21	to	to	PART
fsr-3930	593	22	be	be	AUX
fsr-3930	593	23	intuitive	intuitive	ADJ
fsr-3930	593	24	and	and	CCONJ
fsr-3930	593	25	persuasive	persuasive	ADJ
fsr-3930	593	26	.	.	PUNCT
fsr-3930	594	1	we	we	PRON
fsr-3930	594	2	hope	hope	VERB
fsr-3930	594	3	that	that	SCONJ
fsr-3930	594	4	this	this	DET
fsr-3930	594	5	intuition	intuition	NOUN
fsr-3930	594	6	on	on	ADP
fsr-3930	594	7	valuing	value	VERB
fsr-3930	594	8	and	and	CCONJ
fsr-3930	594	9	integrating	integrate	VERB
fsr-3930	594	10	social	social	ADJ
fsr-3930	594	11	security	security	NOUN
fsr-3930	594	12	wealth	wealth	NOUN
fsr-3930	594	13	will	will	AUX
fsr-3930	594	14	aid	aid	VERB
fsr-3930	594	15	financial	financial	ADJ
fsr-3930	594	16	planners	planner	NOUN
fsr-3930	594	17	and	and	CCONJ
fsr-3930	594	18	educators	educator	NOUN
fsr-3930	594	19	to	to	PART
fsr-3930	594	20	better	well	ADV
fsr-3930	594	21	implement	implement	VERB
fsr-3930	594	22	rigorous	rigorous	ADJ
fsr-3930	594	23	asset	asset	NOUN
fsr-3930	594	24	allocation	allocation	NOUN
fsr-3930	594	25	decisions	decision	NOUN
fsr-3930	594	26	with	with	ADP
fsr-3930	594	27	their	their	PRON
fsr-3930	594	28	clients	client	NOUN
fsr-3930	594	29	or	or	CCONJ
fsr-3930	594	30	students	student	NOUN
fsr-3930	594	31	.	.	PUNCT
fsr-3930	595	1	acknowledgments	acknowledgment	NOUN
fsr-3930	595	2	the	the	DET
fsr-3930	595	3	opinions	opinion	NOUN
fsr-3930	595	4	included	include	VERB
fsr-3930	595	5	are	be	AUX
fsr-3930	595	6	those	those	PRON
fsr-3930	595	7	of	of	ADP
fsr-3930	595	8	the	the	DET
fsr-3930	595	9	authors	author	NOUN
fsr-3930	595	10	and	and	CCONJ
fsr-3930	595	11	not	not	PART
fsr-3930	595	12	necessarily	necessarily	ADV
fsr-3930	595	13	those	those	PRON
fsr-3930	595	14	of	of	ADP
fsr-3930	595	15	the	the	DET
fsr-3930	595	16	us	us	PROPN
fsr-3930	595	17	air	air	PROPN
fsr-3930	595	18	force	force	PROPN
fsr-3930	595	19	academy	academy	PROPN
fsr-3930	595	20	,	,	PUNCT
fsr-3930	595	21	the	the	DET
fsr-3930	595	22	us	us	PROPN
fsr-3930	595	23	air	air	NOUN
fsr-3930	595	24	force	force	NOUN
fsr-3930	595	25	or	or	CCONJ
fsr-3930	595	26	any	any	DET
fsr-3930	595	27	other	other	ADJ
fsr-3930	595	28	federal	federal	ADJ
fsr-3930	595	29	agency	agency	NOUN
fsr-3930	595	30	.	.	PUNCT
fsr-3930	596	1	we	we	PRON
fsr-3930	596	2	anticipate	anticipate	VERB
fsr-3930	596	3	maintaining	maintain	VERB
fsr-3930	596	4	related	related	ADJ
fsr-3930	596	5	materials	material	NOUN
fsr-3930	596	6	at	at	ADP
fsr-3930	596	7	www.williamjennings.com	www.williamjennings.com	PROPN
fsr-3930	596	8	.	.	PUNCT
fsr-3930	597	1	we	we	PRON
fsr-3930	597	2	are	be	AUX
fsr-3930	597	3	grateful	grateful	ADJ
fsr-3930	597	4	to	to	ADP
fsr-3930	597	5	vickie	vickie	NOUN
fsr-3930	597	6	bajtelsmit	bajtelsmit	NOUN
fsr-3930	597	7	,	,	PUNCT
fsr-3930	597	8	tim	tim	PROPN
fsr-3930	597	9	burch	burch	PROPN
fsr-3930	597	10	,	,	PUNCT
fsr-3930	597	11	conrad	conrad	PROPN
fsr-3930	597	12	ciccotello	ciccotello	PROPN
fsr-3930	597	13	,	,	PUNCT
fsr-3930	597	14	karen	karen	PROPN
fsr-3930	597	15	lahey	lahey	PROPN
fsr-3930	597	16	(	(	PUNCT
fsr-3930	597	17	the	the	DET
fsr-3930	597	18	editor	editor	NOUN
fsr-3930	597	19	)	)	PUNCT
fsr-3930	597	20	,	,	PUNCT
fsr-3930	597	21	bill	bill	NOUN
fsr-3930	597	22	reichenstein	reichenstein	PROPN
fsr-3930	597	23	,	,	PUNCT
fsr-3930	597	24	c.	c.	PROPN
fsr-3930	597	25	e.	e.	PROPN
fsr-3930	597	26	steuerle	steuerle	PROPN
fsr-3930	597	27	,	,	PUNCT
fsr-3930	597	28	participants	participant	NOUN
fsr-3930	597	29	at	at	ADP
fsr-3930	597	30	the	the	DET
fsr-3930	597	31	2000	2000	NUM
fsr-3930	597	32	academy	academy	NOUN
fsr-3930	597	33	of	of	ADP
fsr-3930	597	34	financial	financial	PROPN
fsr-3930	597	35	services	service	NOUN
fsr-3930	597	36	conference	conference	NOUN
fsr-3930	597	37	in	in	ADP
fsr-3930	597	38	seattle	seattle	PROPN
fsr-3930	597	39	,	,	PUNCT
fsr-3930	597	40	and	and	CCONJ
fsr-3930	597	41	four	four	NUM
fsr-3930	597	42	anonymous	anonymous	ADJ
fsr-3930	597	43	reviewers	reviewer	NOUN
fsr-3930	597	44	for	for	ADP
fsr-3930	597	45	their	their	PRON
fsr-3930	597	46	input	input	NOUN
fsr-3930	597	47	to	to	ADP
fsr-3930	597	48	this	this	DET
fsr-3930	597	49	project	project	NOUN
fsr-3930	597	50	.	.	PUNCT
fsr-3930	598	1	321s.p	321s.p	X
fsr-3930	598	2	.	.	PUNCT
fsr-3930	599	1	fraser	fraser	PROPN
fsr-3930	599	2	et	et	PROPN
fsr-3930	599	3	al	al	PROPN
fsr-3930	599	4	.	.	PUNCT
fsr-3930	599	5	/	/	SYM
fsr-3930	599	6	financial	financial	ADJ
fsr-3930	599	7	services	service	NOUN
fsr-3930	599	8	review	review	VERB
fsr-3930	599	9	9	9	NUM
fsr-3930	599	10	(	(	PUNCT
fsr-3930	599	11	2000	2000	NUM
fsr-3930	599	12	)	)	PUNCT
fsr-3930	600	1	295–326	295–326	NUM
fsr-3930	600	2	appendix	appendix	VERB
fsr-3930	600	3	a.	a.	NOUN
fsr-3930	600	4	generalized	generalize	VERB
fsr-3930	600	5	results	result	NOUN
fsr-3930	600	6	we	we	PRON
fsr-3930	600	7	can	can	AUX
fsr-3930	600	8	generalize	generalize	VERB
fsr-3930	600	9	qualitative	qualitative	ADJ
fsr-3930	600	10	aspects	aspect	NOUN
fsr-3930	600	11	of	of	ADP
fsr-3930	600	12	our	our	PRON
fsr-3930	600	13	results	result	NOUN
fsr-3930	600	14	.	.	PUNCT
fsr-3930	601	1	our	our	PRON
fsr-3930	601	2	base	base	NOUN
fsr-3930	601	3	case	case	NOUN
fsr-3930	601	4	analysis	analysis	NOUN
fsr-3930	601	5	made	make	VERB
fsr-3930	601	6	certain	certain	ADJ
fsr-3930	601	7	assumptions	assumption	NOUN
fsr-3930	601	8	about	about	ADP
fsr-3930	601	9	gender	gender	NOUN
fsr-3930	601	10	,	,	PUNCT
fsr-3930	601	11	income	income	NOUN
fsr-3930	601	12	levels	level	NOUN
fsr-3930	601	13	,	,	PUNCT
fsr-3930	601	14	and	and	CCONJ
fsr-3930	601	15	the	the	DET
fsr-3930	601	16	retirement	retirement	NOUN
fsr-3930	601	17	age	age	NOUN
fsr-3930	601	18	decision	decision	NOUN
fsr-3930	601	19	;	;	PUNCT
fsr-3930	601	20	here	here	ADV
fsr-3930	601	21	,	,	PUNCT
fsr-3930	601	22	we	we	PRON
fsr-3930	601	23	demonstrate	demonstrate	VERB
fsr-3930	601	24	the	the	DET
fsr-3930	601	25	dramatic	dramatic	ADJ
fsr-3930	601	26	impact	impact	NOUN
fsr-3930	601	27	of	of	ADP
fsr-3930	601	28	including	include	VERB
fsr-3930	601	29	social	social	ADJ
fsr-3930	601	30	security	security	NOUN
fsr-3930	601	31	wealth	wealth	NOUN
fsr-3930	601	32	in	in	ADP
fsr-3930	601	33	an	an	DET
fsr-3930	601	34	expanded	expand	VERB
fsr-3930	601	35	portfolio	portfolio	NOUN
fsr-3930	601	36	for	for	ADP
fsr-3930	601	37	men	man	NOUN
fsr-3930	601	38	,	,	PUNCT
fsr-3930	601	39	women	woman	NOUN
fsr-3930	601	40	,	,	PUNCT
fsr-3930	601	41	middle	middle	ADJ
fsr-3930	601	42	-	-	PUNCT
fsr-3930	601	43	income	income	NOUN
fsr-3930	601	44	workers	worker	NOUN
fsr-3930	601	45	,	,	PUNCT
fsr-3930	601	46	and	and	CCONJ
fsr-3930	601	47	those	those	PRON
fsr-3930	601	48	that	that	PRON
fsr-3930	601	49	retire	retire	VERB
fsr-3930	601	50	at	at	ADP
fsr-3930	601	51	age	age	NOUN
fsr-3930	601	52	65	65	NUM
fsr-3930	601	53	.	.	PUNCT
fsr-3930	602	1	we	we	PRON
fsr-3930	602	2	consider	consider	VERB
fsr-3930	602	3	each	each	DET
fsr-3930	602	4	permutation	permutation	NOUN
fsr-3930	602	5	separately	separately	ADV
fsr-3930	602	6	and	and	CCONJ
fsr-3930	602	7	examine	examine	VERB
fsr-3930	602	8	its	its	PRON
fsr-3930	602	9	impact	impact	NOUN
fsr-3930	602	10	on	on	ADP
fsr-3930	602	11	fifty	fifty	NUM
fsr-3930	602	12	-	-	PUNCT
fsr-3930	602	13	year	year	NOUN
fsr-3930	602	14	-	-	PUNCT
fsr-3930	602	15	old	old	ADJ
fsr-3930	602	16	workers	worker	NOUN
fsr-3930	602	17	.	.	PUNCT
fsr-3930	603	1	because	because	SCONJ
fsr-3930	603	2	of	of	ADP
fsr-3930	603	3	data	datum	NOUN
fsr-3930	603	4	availability	availability	NOUN
fsr-3930	603	5	,	,	PUNCT
fsr-3930	603	6	we	we	PRON
fsr-3930	603	7	use	use	VERB
fsr-3930	603	8	1999	1999	NUM
fsr-3930	603	9	information	information	NOUN
fsr-3930	603	10	in	in	ADP
fsr-3930	603	11	this	this	DET
fsr-3930	603	12	appendix	appendix	NOUN
fsr-3930	603	13	.	.	PUNCT
fsr-3930	604	1	without	without	ADP
fsr-3930	604	2	loss	loss	NOUN
fsr-3930	604	3	of	of	ADP
fsr-3930	604	4	generality	generality	NOUN
fsr-3930	604	5	,	,	PUNCT
fsr-3930	604	6	we	we	PRON
fsr-3930	604	7	focus	focus	VERB
fsr-3930	604	8	on	on	ADP
fsr-3930	604	9	the	the	DET
fsr-3930	604	10	60/40	60/40	NUM
fsr-3930	604	11	(	(	PUNCT
fsr-3930	604	12	stocks	stock	NOUN
fsr-3930	604	13	/	/	SYM
fsr-3930	604	14	bonds	bond	NOUN
fsr-3930	604	15	)	)	PUNCT
fsr-3930	604	16	fixed	fix	VERB
fsr-3930	604	17	mix	mix	NOUN
fsr-3930	604	18	decision	decision	NOUN
fsr-3930	604	19	rule	rule	NOUN
fsr-3930	604	20	.	.	PUNCT
fsr-3930	605	1	all	all	PRON
fsr-3930	605	2	of	of	ADP
fsr-3930	605	3	our	our	PRON
fsr-3930	605	4	other	other	ADJ
fsr-3930	605	5	assumptions	assumption	NOUN
fsr-3930	605	6	remain	remain	VERB
fsr-3930	605	7	unchanged	unchanged	ADJ
fsr-3930	605	8	.	.	PUNCT
fsr-3930	606	1	a.1	a.1	X
fsr-3930	606	2	.	.	PUNCT
fsr-3930	607	1	gender	gender	NOUN
fsr-3930	607	2	impact	impact	NOUN
fsr-3930	607	3	given	give	VERB
fsr-3930	607	4	equal	equal	ADJ
fsr-3930	607	5	earnings	earning	NOUN
fsr-3930	607	6	,	,	PUNCT
fsr-3930	607	7	men	man	NOUN
fsr-3930	607	8	and	and	CCONJ
fsr-3930	607	9	women	woman	NOUN
fsr-3930	607	10	have	have	VERB
fsr-3930	607	11	different	different	ADJ
fsr-3930	607	12	social	social	ADJ
fsr-3930	607	13	security	security	NOUN
fsr-3930	607	14	wealth	wealth	NOUN
fsr-3930	607	15	because	because	SCONJ
fsr-3930	607	16	their	their	PRON
fsr-3930	607	17	life	life	NOUN
fsr-3930	607	18	expectancies	expectancy	NOUN
fsr-3930	607	19	differ	differ	VERB
fsr-3930	607	20	.	.	PUNCT
fsr-3930	608	1	since	since	SCONJ
fsr-3930	608	2	women	woman	NOUN
fsr-3930	608	3	have	have	VERB
fsr-3930	608	4	longer	long	ADJ
fsr-3930	608	5	life	life	NOUN
fsr-3930	608	6	expectancies	expectancy	NOUN
fsr-3930	608	7	,	,	PUNCT
fsr-3930	608	8	they	they	PRON
fsr-3930	608	9	have	have	VERB
fsr-3930	608	10	greater	great	ADJ
fsr-3930	608	11	social	social	ADJ
fsr-3930	608	12	security	security	NOUN
fsr-3930	608	13	wealth	wealth	NOUN
fsr-3930	608	14	.	.	PUNCT
fsr-3930	609	1	women	woman	NOUN
fsr-3930	609	2	,	,	PUNCT
fsr-3930	609	3	therefore	therefore	ADV
fsr-3930	609	4	,	,	PUNCT
fsr-3930	609	5	will	will	AUX
fsr-3930	609	6	have	have	VERB
fsr-3930	609	7	a	a	DET
fsr-3930	609	8	greater	great	ADJ
fsr-3930	609	9	bond	bond	NOUN
fsr-3930	609	10	allocation	allocation	NOUN
fsr-3930	609	11	than	than	ADP
fsr-3930	609	12	men	man	NOUN
fsr-3930	609	13	in	in	ADP
fsr-3930	609	14	their	their	PRON
fsr-3930	609	15	expanded	expand	VERB
fsr-3930	609	16	portfolio	portfolio	NOUN
fsr-3930	609	17	for	for	ADP
fsr-3930	609	18	any	any	DET
fsr-3930	609	19	asset	asset	NOUN
fsr-3930	609	20	-	-	PUNCT
fsr-3930	609	21	mix	mix	NOUN
fsr-3930	609	22	decision	decision	NOUN
fsr-3930	609	23	rule	rule	NOUN
fsr-3930	609	24	.	.	PUNCT
fsr-3930	610	1	panel	panel	NOUN
fsr-3930	610	2	a	a	DET
fsr-3930	610	3	of	of	ADP
fsr-3930	610	4	table	table	NOUN
fsr-3930	610	5	11	11	NUM
fsr-3930	610	6	shows	show	VERB
fsr-3930	610	7	this	this	DET
fsr-3930	610	8	gender	gender	NOUN
fsr-3930	610	9	impact	impact	NOUN
fsr-3930	610	10	.	.	PUNCT
fsr-3930	611	1	we	we	PRON
fsr-3930	611	2	use	use	VERB
fsr-3930	611	3	irs	irs	PROPN
fsr-3930	611	4	gender	gender	NOUN
fsr-3930	611	5	-	-	PUNCT
fsr-3930	611	6	specific	specific	ADJ
fsr-3930	611	7	actuarial	actuarial	ADJ
fsr-3930	611	8	tables	table	NOUN
fsr-3930	611	9	for	for	ADP
fsr-3930	611	10	life	life	NOUN
fsr-3930	611	11	expectancies	expectancy	NOUN
fsr-3930	611	12	.	.	PUNCT
fsr-3930	612	1	(	(	PUNCT
fsr-3930	612	2	note	note	VERB
fsr-3930	612	3	that	that	SCONJ
fsr-3930	612	4	life	life	NOUN
fsr-3930	612	5	expectancies	expectancy	NOUN
fsr-3930	612	6	under	under	ADP
fsr-3930	612	7	these	these	DET
fsr-3930	612	8	tables	table	NOUN
fsr-3930	612	9	for	for	ADP
fsr-3930	612	10	pre-1986	pre-1986	NOUN
fsr-3930	612	11	annuities	annuity	NOUN
fsr-3930	612	12	are	be	AUX
fsr-3930	612	13	not	not	PART
fsr-3930	612	14	comparable	comparable	ADJ
fsr-3930	612	15	to	to	ADP
fsr-3930	612	16	the	the	DET
fsr-3930	612	17	more	more	ADV
fsr-3930	612	18	modern	modern	ADJ
fsr-3930	612	19	irs	irs	PROPN
fsr-3930	612	20	gender	gender	NOUN
fsr-3930	612	21	-	-	PUNCT
fsr-3930	612	22	neutral	neutral	ADJ
fsr-3930	612	23	actuarial	actuarial	ADJ
fsr-3930	612	24	tables	table	NOUN
fsr-3930	612	25	;	;	PUNCT
fsr-3930	612	26	however	however	ADV
fsr-3930	612	27	,	,	PUNCT
fsr-3930	612	28	they	they	PRON
fsr-3930	612	29	do	do	AUX
fsr-3930	612	30	serve	serve	VERB
fsr-3930	612	31	our	our	PRON
fsr-3930	612	32	purpose	purpose	NOUN
fsr-3930	612	33	in	in	ADP
fsr-3930	612	34	this	this	DET
fsr-3930	612	35	appendix	appendix	NOUN
fsr-3930	612	36	by	by	ADP
fsr-3930	612	37	allowing	allow	VERB
fsr-3930	612	38	comparison	comparison	NOUN
fsr-3930	612	39	between	between	ADP
fsr-3930	612	40	men	man	NOUN
fsr-3930	612	41	and	and	CCONJ
fsr-3930	612	42	women	woman	NOUN
fsr-3930	612	43	.	.	PUNCT
fsr-3930	612	44	)	)	PUNCT
fsr-3930	613	1	the	the	DET
fsr-3930	613	2	gender	gender	NOUN
fsr-3930	613	3	impact	impact	NOUN
fsr-3930	613	4	is	be	AUX
fsr-3930	613	5	greater	great	ADJ
fsr-3930	613	6	for	for	ADP
fsr-3930	613	7	single	single	ADJ
fsr-3930	613	8	individuals	individual	NOUN
fsr-3930	613	9	but	but	CCONJ
fsr-3930	613	10	is	be	AUX
fsr-3930	613	11	quite	quite	ADV
fsr-3930	613	12	small	small	ADJ
fsr-3930	613	13	even	even	ADV
fsr-3930	613	14	then	then	ADV
fsr-3930	613	15	.	.	PUNCT
fsr-3930	614	1	for	for	ADP
fsr-3930	614	2	fifty	fifty	NUM
fsr-3930	614	3	-	-	PUNCT
fsr-3930	614	4	year	year	NOUN
fsr-3930	614	5	-	-	PUNCT
fsr-3930	614	6	old	old	ADJ
fsr-3930	614	7	workers	worker	NOUN
fsr-3930	614	8	pursuing	pursue	VERB
fsr-3930	614	9	a	a	DET
fsr-3930	614	10	60/40	60/40	NUM
fsr-3930	614	11	fixed	fix	VERB
fsr-3930	614	12	mix	mix	NOUN
fsr-3930	614	13	,	,	PUNCT
fsr-3930	614	14	single	single	ADJ
fsr-3930	614	15	women	woman	NOUN
fsr-3930	614	16	’s	’s	PART
fsr-3930	614	17	expanded	expand	VERB
fsr-3930	614	18	portfolio	portfolio	NOUN
fsr-3930	614	19	stock	stock	NOUN
fsr-3930	614	20	allocation	allocation	NOUN
fsr-3930	614	21	is	be	AUX
fsr-3930	614	22	within	within	ADP
fsr-3930	614	23	3	3	NUM
fsr-3930	614	24	%	%	NOUN
fsr-3930	614	25	of	of	ADP
fsr-3930	614	26	men	man	NOUN
fsr-3930	614	27	.	.	PUNCT
fsr-3930	615	1	for	for	ADP
fsr-3930	615	2	married	married	ADJ
fsr-3930	615	3	couples	couple	NOUN
fsr-3930	615	4	,	,	PUNCT
fsr-3930	615	5	the	the	DET
fsr-3930	615	6	difference	difference	NOUN
fsr-3930	615	7	is	be	AUX
fsr-3930	615	8	less	less	ADJ
fsr-3930	615	9	than	than	ADP
fsr-3930	615	10	1	1	NUM
fsr-3930	615	11	%	%	NOUN
fsr-3930	615	12	.	.	PUNCT
fsr-3930	616	1	this	this	DET
fsr-3930	616	2	result	result	NOUN
fsr-3930	616	3	holds	hold	VERB
fsr-3930	616	4	when	when	SCONJ
fsr-3930	616	5	we	we	PRON
fsr-3930	616	6	change	change	VERB
fsr-3930	616	7	our	our	PRON
fsr-3930	616	8	assumption	assumption	NOUN
fsr-3930	616	9	of	of	ADP
fsr-3930	616	10	equal	equal	ADJ
fsr-3930	616	11	-	-	PUNCT
fsr-3930	616	12	age	age	NOUN
fsr-3930	616	13	couples	couple	NOUN
fsr-3930	616	14	to	to	ADP
fsr-3930	616	15	a	a	DET
fsr-3930	616	16	case	case	NOUN
fsr-3930	616	17	when	when	SCONJ
fsr-3930	616	18	the	the	DET
fsr-3930	616	19	nonworking	nonworking	ADJ
fsr-3930	616	20	spouse	spouse	NOUN
fsr-3930	616	21	is	be	AUX
fsr-3930	616	22	ten	ten	NUM
fsr-3930	616	23	years	year	NOUN
fsr-3930	616	24	younger	young	ADJ
fsr-3930	616	25	.	.	PUNCT
fsr-3930	617	1	accommodating	accommodate	VERB
fsr-3930	617	2	gender	gender	NOUN
fsr-3930	617	3	differences	difference	NOUN
fsr-3930	617	4	in	in	ADP
fsr-3930	617	5	life	life	NOUN
fsr-3930	617	6	expectancy	expectancy	NOUN
fsr-3930	617	7	has	have	VERB
fsr-3930	617	8	minimal	minimal	ADJ
fsr-3930	617	9	impact	impact	NOUN
fsr-3930	617	10	on	on	ADP
fsr-3930	617	11	our	our	PRON
fsr-3930	617	12	conclusion	conclusion	NOUN
fsr-3930	617	13	that	that	SCONJ
fsr-3930	617	14	social	social	ADJ
fsr-3930	617	15	security	security	NOUN
fsr-3930	617	16	wealth	wealth	NOUN
fsr-3930	617	17	dramatically	dramatically	ADV
fsr-3930	617	18	affects	affect	VERB
fsr-3930	617	19	the	the	DET
fsr-3930	617	20	asset	asset	NOUN
fsr-3930	617	21	mix	mix	NOUN
fsr-3930	617	22	decision	decision	NOUN
fsr-3930	617	23	.	.	PUNCT
fsr-3930	618	1	a2	a2	PROPN
fsr-3930	618	2	.	.	PUNCT
fsr-3930	618	3	income	income	NOUN
fsr-3930	618	4	level	level	NOUN
fsr-3930	618	5	impact	impact	NOUN
fsr-3930	618	6	given	give	VERB
fsr-3930	618	7	the	the	DET
fsr-3930	618	8	same	same	ADJ
fsr-3930	618	9	percentage	percentage	NOUN
fsr-3930	618	10	savings	saving	NOUN
fsr-3930	618	11	rates	rate	NOUN
fsr-3930	618	12	,	,	PUNCT
fsr-3930	618	13	people	people	NOUN
fsr-3930	618	14	with	with	ADP
fsr-3930	618	15	different	different	ADJ
fsr-3930	618	16	income	income	NOUN
fsr-3930	618	17	levels	level	NOUN
fsr-3930	618	18	will	will	AUX
fsr-3930	618	19	have	have	VERB
fsr-3930	618	20	different	different	ADJ
fsr-3930	618	21	asset	asset	NOUN
fsr-3930	618	22	allocation	allocation	NOUN
fsr-3930	618	23	consequences	consequence	NOUN
fsr-3930	618	24	of	of	ADP
fsr-3930	618	25	including	include	VERB
fsr-3930	618	26	social	social	ADJ
fsr-3930	618	27	security	security	NOUN
fsr-3930	618	28	wealth	wealth	NOUN
fsr-3930	618	29	in	in	ADP
fsr-3930	618	30	their	their	PRON
fsr-3930	618	31	expanded	expand	VERB
fsr-3930	618	32	portfolios	portfolio	NOUN
fsr-3930	618	33	.	.	PUNCT
fsr-3930	619	1	income	income	NOUN
fsr-3930	619	2	level	level	NOUN
fsr-3930	619	3	affects	affect	VERB
fsr-3930	619	4	both	both	CCONJ
fsr-3930	619	5	the	the	DET
fsr-3930	619	6	amount	amount	NOUN
fsr-3930	619	7	of	of	ADP
fsr-3930	619	8	social	social	ADJ
fsr-3930	619	9	security	security	NOUN
fsr-3930	619	10	benefits	benefit	NOUN
fsr-3930	619	11	and	and	CCONJ
fsr-3930	619	12	the	the	DET
fsr-3930	619	13	size	size	NOUN
fsr-3930	619	14	of	of	ADP
fsr-3930	619	15	financial	financial	ADJ
fsr-3930	619	16	portfolios	portfolio	NOUN
fsr-3930	619	17	.	.	PUNCT
fsr-3930	620	1	individuals	individual	NOUN
fsr-3930	620	2	with	with	ADP
fsr-3930	620	3	different	different	ADJ
fsr-3930	620	4	incomes	income	NOUN
fsr-3930	620	5	have	have	VERB
fsr-3930	620	6	different	different	ADJ
fsr-3930	620	7	expanded	expand	VERB
fsr-3930	620	8	portfolio	portfolio	NOUN
fsr-3930	620	9	consequences	consequence	NOUN
fsr-3930	620	10	because	because	SCONJ
fsr-3930	620	11	social	social	ADJ
fsr-3930	620	12	security	security	NOUN
fsr-3930	620	13	benefits	benefit	NOUN
fsr-3930	620	14	are	be	AUX
fsr-3930	620	15	a	a	DET
fsr-3930	620	16	concave	concave	ADJ
fsr-3930	620	17	function	function	NOUN
fsr-3930	620	18	of	of	ADP
fsr-3930	620	19	income	income	NOUN
fsr-3930	620	20	.	.	PUNCT
fsr-3930	621	1	middleincome	middleincome	PROPN
fsr-3930	621	2	workers	worker	NOUN
fsr-3930	621	3	have	have	VERB
fsr-3930	621	4	proportionally	proportionally	ADV
fsr-3930	621	5	more	more	ADJ
fsr-3930	621	6	of	of	ADP
fsr-3930	621	7	their	their	PRON
fsr-3930	621	8	wages	wage	NOUN
fsr-3930	621	9	replaced	replace	VERB
fsr-3930	621	10	by	by	ADP
fsr-3930	621	11	social	social	ADJ
fsr-3930	621	12	security	security	NOUN
fsr-3930	621	13	benefits	benefit	NOUN
fsr-3930	621	14	than	than	SCONJ
fsr-3930	621	15	high	high	ADJ
fsr-3930	621	16	-	-	PUNCT
fsr-3930	621	17	income	income	NOUN
fsr-3930	621	18	workers	worker	NOUN
fsr-3930	621	19	do	do	VERB
fsr-3930	621	20	.	.	PUNCT
fsr-3930	622	1	accordingly	accordingly	ADV
fsr-3930	622	2	,	,	PUNCT
fsr-3930	622	3	middle	middle	ADJ
fsr-3930	622	4	-	-	PUNCT
fsr-3930	622	5	income	income	NOUN
fsr-3930	622	6	workers	worker	NOUN
fsr-3930	622	7	have	have	VERB
fsr-3930	622	8	greater	great	ADJ
fsr-3930	622	9	social	social	ADJ
fsr-3930	622	10	security	security	NOUN
fsr-3930	622	11	wealth	wealth	NOUN
fsr-3930	622	12	relative	relative	ADJ
fsr-3930	622	13	to	to	ADP
fsr-3930	622	14	their	their	PRON
fsr-3930	622	15	financial	financial	ADJ
fsr-3930	622	16	portfolios	portfolio	NOUN
fsr-3930	622	17	;	;	PUNCT
fsr-3930	622	18	thus	thus	ADV
fsr-3930	622	19	,	,	PUNCT
fsr-3930	622	20	they	they	PRON
fsr-3930	622	21	will	will	AUX
fsr-3930	622	22	have	have	VERB
fsr-3930	622	23	a	a	DET
fsr-3930	622	24	greater	great	ADJ
fsr-3930	622	25	bond	bond	NOUN
fsr-3930	622	26	allocation	allocation	NOUN
fsr-3930	622	27	than	than	ADP
fsr-3930	622	28	high	high	ADJ
fsr-3930	622	29	-	-	PUNCT
fsr-3930	622	30	earners	earner	NOUN
fsr-3930	622	31	in	in	ADP
fsr-3930	622	32	their	their	PRON
fsr-3930	622	33	expanded	expand	VERB
fsr-3930	622	34	portfolio	portfolio	NOUN
fsr-3930	622	35	for	for	ADP
fsr-3930	622	36	any	any	DET
fsr-3930	622	37	asset	asset	NOUN
fsr-3930	622	38	-	-	PUNCT
fsr-3930	622	39	mix	mix	NOUN
fsr-3930	622	40	decision	decision	NOUN
fsr-3930	622	41	rule	rule	NOUN
fsr-3930	622	42	.	.	PUNCT
fsr-3930	623	1	note	note	VERB
fsr-3930	623	2	that	that	SCONJ
fsr-3930	623	3	using	use	VERB
fsr-3930	623	4	the	the	DET
fsr-3930	623	5	high	high	ADJ
fsr-3930	623	6	-	-	PUNCT
fsr-3930	623	7	income	income	NOUN
fsr-3930	623	8	worker	worker	NOUN
fsr-3930	623	9	as	as	SCONJ
fsr-3930	623	10	our	our	PRON
fsr-3930	623	11	base	base	NOUN
fsr-3930	623	12	case	case	NOUN
fsr-3930	623	13	was	be	AUX
fsr-3930	623	14	a	a	DET
fsr-3930	623	15	conservative	conservative	ADJ
fsr-3930	623	16	assumption	assumption	NOUN
fsr-3930	623	17	since	since	SCONJ
fsr-3930	623	18	it	it	PRON
fsr-3930	623	19	reduced	reduce	VERB
fsr-3930	623	20	the	the	DET
fsr-3930	623	21	impact	impact	NOUN
fsr-3930	623	22	of	of	ADP
fsr-3930	623	23	social	social	ADJ
fsr-3930	623	24	security	security	NOUN
fsr-3930	623	25	wealth	wealth	NOUN
fsr-3930	623	26	on	on	ADP
fsr-3930	623	27	the	the	DET
fsr-3930	623	28	expanded	expand	VERB
fsr-3930	623	29	portfolio	portfolio	NOUN
fsr-3930	623	30	.	.	PUNCT
fsr-3930	624	1	we	we	PRON
fsr-3930	624	2	compare	compare	VERB
fsr-3930	624	3	a	a	DET
fsr-3930	624	4	$	$	SYM
fsr-3930	624	5	72,600	72,600	NUM
fsr-3930	624	6	high	high	ADJ
fsr-3930	624	7	-	-	PUNCT
fsr-3930	624	8	income	income	NOUN
fsr-3930	624	9	worker	worker	NOUN
fsr-3930	624	10	with	with	ADP
fsr-3930	624	11	a	a	DET
fsr-3930	624	12	$	$	SYM
fsr-3930	624	13	36,456	36,456	NUM
fsr-3930	624	14	middle	middle	ADJ
fsr-3930	624	15	-	-	PUNCT
fsr-3930	624	16	income	income	NOUN
fsr-3930	624	17	worker	worker	NOUN
fsr-3930	624	18	.	.	PUNCT
fsr-3930	625	1	the	the	DET
fsr-3930	625	2	$	$	SYM
fsr-3930	625	3	36,456	36,456	NUM
fsr-3930	625	4	amount	amount	NOUN
fsr-3930	625	5	reflects	reflect	VERB
fsr-3930	625	6	someone	someone	PRON
fsr-3930	625	7	earning	earn	VERB
fsr-3930	625	8	160	160	NUM
fsr-3930	625	9	%	%	NOUN
fsr-3930	625	10	of	of	ADP
fsr-3930	625	11	the	the	DET
fsr-3930	625	12	national	national	ADJ
fsr-3930	625	13	average	average	ADJ
fsr-3930	625	14	wage	wage	NOUN
fsr-3930	625	15	in	in	ADP
fsr-3930	625	16	1999	1999	NUM
fsr-3930	625	17	and	and	CCONJ
fsr-3930	625	18	is	be	AUX
fsr-3930	625	19	approximately	approximately	ADV
fsr-3930	625	20	one	one	NUM
fsr-3930	625	21	-	-	PUNCT
fsr-3930	625	22	half	half	DET
fsr-3930	625	23	the	the	DET
fsr-3930	625	24	high	high	ADJ
fsr-3930	625	25	-	-	PUNCT
fsr-3930	625	26	earner	earner	NOUN
fsr-3930	625	27	income	income	NOUN
fsr-3930	625	28	.	.	PUNCT
fsr-3930	626	1	given	give	VERB
fsr-3930	626	2	equal	equal	ADJ
fsr-3930	626	3	percentage	percentage	NOUN
fsr-3930	626	4	savings	saving	NOUN
fsr-3930	626	5	,	,	PUNCT
fsr-3930	626	6	financial	financial	ADJ
fsr-3930	626	7	322	322	NUM
fsr-3930	626	8	s.p	s.p	PROPN
fsr-3930	626	9	.	.	PROPN
fsr-3930	626	10	fraser	fraser	PROPN
fsr-3930	626	11	et	et	PROPN
fsr-3930	626	12	al	al	PROPN
fsr-3930	626	13	.	.	PUNCT
fsr-3930	626	14	/	/	SYM
fsr-3930	626	15	financial	financial	ADJ
fsr-3930	626	16	services	service	NOUN
fsr-3930	626	17	review	review	VERB
fsr-3930	626	18	9	9	NUM
fsr-3930	626	19	(	(	PUNCT
fsr-3930	626	20	2000	2000	NUM
fsr-3930	626	21	)	)	PUNCT
fsr-3930	627	1	295–326	295–326	NUM
fsr-3930	627	2	portfolio	portfolio	NOUN
fsr-3930	627	3	values	value	NOUN
fsr-3930	627	4	will	will	AUX
fsr-3930	627	5	also	also	ADV
fsr-3930	627	6	be	be	AUX
fsr-3930	627	7	approximately	approximately	ADV
fsr-3930	627	8	one	one	NUM
fsr-3930	627	9	-	-	PUNCT
fsr-3930	627	10	half	half	DET
fsr-3930	627	11	those	those	PRON
fsr-3930	627	12	of	of	ADP
fsr-3930	627	13	the	the	DET
fsr-3930	627	14	high	high	ADJ
fsr-3930	627	15	earner	earner	NOUN
fsr-3930	627	16	.	.	PUNCT
fsr-3930	628	1	their	their	PRON
fsr-3930	628	2	social	social	ADJ
fsr-3930	628	3	security	security	NOUN
fsr-3930	628	4	benefits	benefit	NOUN
fsr-3930	628	5	,	,	PUNCT
fsr-3930	628	6	however	however	ADV
fsr-3930	628	7	,	,	PUNCT
fsr-3930	628	8	will	will	AUX
fsr-3930	628	9	be	be	AUX
fsr-3930	628	10	substantially	substantially	ADV
fsr-3930	628	11	greater	great	ADJ
fsr-3930	628	12	than	than	ADP
fsr-3930	628	13	one	one	NUM
fsr-3930	628	14	-	-	PUNCT
fsr-3930	628	15	half	half	NOUN
fsr-3930	628	16	those	those	PRON
fsr-3930	628	17	of	of	ADP
fsr-3930	628	18	the	the	DET
fsr-3930	628	19	high	high	ADJ
fsr-3930	628	20	earner	earner	NOUN
fsr-3930	628	21	.	.	PUNCT
fsr-3930	629	1	according	accord	VERB
fsr-3930	629	2	to	to	ADP
fsr-3930	629	3	the	the	DET
fsr-3930	629	4	social	social	ADJ
fsr-3930	629	5	security	security	NOUN
fsr-3930	629	6	web	web	NOUN
fsr-3930	629	7	site	site	NOUN
fsr-3930	629	8	(	(	PUNCT
fsr-3930	629	9	1999	1999	NUM
fsr-3930	629	10	)	)	PUNCT
fsr-3930	629	11	,	,	PUNCT
fsr-3930	629	12	this	this	DET
fsr-3930	629	13	middle	middle	ADJ
fsr-3930	629	14	-	-	PUNCT
fsr-3930	629	15	income	income	NOUN
fsr-3930	629	16	worker	worker	NOUN
fsr-3930	629	17	can	can	AUX
fsr-3930	629	18	expect	expect	VERB
fsr-3930	629	19	a	a	DET
fsr-3930	629	20	pia	pia	NOUN
fsr-3930	629	21	of	of	ADP
fsr-3930	629	22	$	$	SYM
fsr-3930	629	23	1,231	1,231	NUM
fsr-3930	629	24	,	,	PUNCT
fsr-3930	629	25	or	or	CCONJ
fsr-3930	629	26	about	about	ADV
fsr-3930	629	27	90	90	NUM
fsr-3930	629	28	%	%	NOUN
fsr-3930	629	29	of	of	ADP
fsr-3930	629	30	the	the	DET
fsr-3930	629	31	high	high	ADJ
fsr-3930	629	32	-	-	PUNCT
fsr-3930	629	33	earner	earner	NOUN
fsr-3930	629	34	’s	’s	PART
fsr-3930	629	35	maximum	maximum	ADJ
fsr-3930	629	36	pia	pia	PROPN
fsr-3930	629	37	.	.	PUNCT
fsr-3930	630	1	note	note	VERB
fsr-3930	630	2	that	that	SCONJ
fsr-3930	630	3	using	use	VERB
fsr-3930	630	4	the	the	DET
fsr-3930	630	5	high	high	ADJ
fsr-3930	630	6	-	-	PUNCT
fsr-3930	630	7	earner	earner	NOUN
fsr-3930	630	8	as	as	SCONJ
fsr-3930	630	9	our	our	PRON
fsr-3930	630	10	base	base	NOUN
fsr-3930	630	11	case	case	NOUN
fsr-3930	630	12	was	be	AUX
fsr-3930	630	13	a	a	DET
fsr-3930	630	14	conservative	conservative	ADJ
fsr-3930	630	15	assumption	assumption	NOUN
fsr-3930	630	16	since	since	SCONJ
fsr-3930	630	17	it	it	PRON
fsr-3930	630	18	reduced	reduce	VERB
fsr-3930	630	19	the	the	DET
fsr-3930	630	20	impact	impact	NOUN
fsr-3930	630	21	of	of	ADP
fsr-3930	630	22	social	social	ADJ
fsr-3930	630	23	security	security	NOUN
fsr-3930	630	24	wealth	wealth	NOUN
fsr-3930	630	25	on	on	ADP
fsr-3930	630	26	the	the	DET
fsr-3930	630	27	expanded	expand	VERB
fsr-3930	630	28	portfolio	portfolio	NOUN
fsr-3930	630	29	.	.	PUNCT
fsr-3930	631	1	panel	panel	NOUN
fsr-3930	631	2	b	b	PROPN
fsr-3930	631	3	of	of	ADP
fsr-3930	631	4	table	table	NOUN
fsr-3930	631	5	11	11	NUM
fsr-3930	631	6	shows	show	VERB
fsr-3930	631	7	this	this	DET
fsr-3930	631	8	income	income	NOUN
fsr-3930	631	9	impact	impact	NOUN
fsr-3930	631	10	.	.	PUNCT
fsr-3930	632	1	for	for	ADP
fsr-3930	632	2	fifty	fifty	NUM
fsr-3930	632	3	-	-	PUNCT
fsr-3930	632	4	year	year	NOUN
fsr-3930	632	5	-	-	PUNCT
fsr-3930	632	6	old	old	ADJ
fsr-3930	632	7	workers	worker	NOUN
fsr-3930	632	8	pursuing	pursue	VERB
fsr-3930	632	9	a	a	DET
fsr-3930	632	10	60/40	60/40	NUM
fsr-3930	632	11	fixed	fix	VERB
fsr-3930	632	12	mix	mix	NOUN
fsr-3930	632	13	,	,	PUNCT
fsr-3930	632	14	the	the	DET
fsr-3930	632	15	middle	middle	ADJ
fsr-3930	632	16	-	-	PUNCT
fsr-3930	632	17	income	income	NOUN
fsr-3930	632	18	expanded	expand	VERB
fsr-3930	632	19	portfolio	portfolio	NOUN
fsr-3930	632	20	stock	stock	NOUN
fsr-3930	632	21	allocation	allocation	NOUN
fsr-3930	632	22	is	be	AUX
fsr-3930	632	23	within	within	ADP
fsr-3930	632	24	9	9	NUM
fsr-3930	632	25	%	%	NOUN
fsr-3930	632	26	of	of	ADP
fsr-3930	632	27	the	the	DET
fsr-3930	632	28	high	high	ADJ
fsr-3930	632	29	-	-	PUNCT
fsr-3930	632	30	income	income	NOUN
fsr-3930	632	31	allocation	allocation	NOUN
fsr-3930	632	32	.	.	PUNCT
fsr-3930	633	1	the	the	DET
fsr-3930	633	2	impact	impact	NOUN
fsr-3930	633	3	would	would	AUX
fsr-3930	633	4	be	be	AUX
fsr-3930	633	5	greater	great	ADJ
fsr-3930	633	6	still	still	ADV
fsr-3930	633	7	upon	upon	SCONJ
fsr-3930	633	8	adding	add	VERB
fsr-3930	633	9	the	the	DET
fsr-3930	633	10	value	value	NOUN
fsr-3930	633	11	of	of	ADP
fsr-3930	633	12	the	the	DET
fsr-3930	633	13	tax	tax	NOUN
fsr-3930	633	14	shield	shield	NOUN
fsr-3930	633	15	on	on	ADP
fsr-3930	633	16	social	social	ADJ
fsr-3930	633	17	security	security	NOUN
fsr-3930	633	18	benefits	benefit	NOUN
fsr-3930	633	19	for	for	ADP
fsr-3930	633	20	lowand	lowand	ADJ
fsr-3930	633	21	middle	middle	ADJ
fsr-3930	633	22	-	-	PUNCT
fsr-3930	633	23	income	income	NOUN
fsr-3930	633	24	brackets	bracket	NOUN
fsr-3930	633	25	.	.	PUNCT
fsr-3930	634	1	while	while	SCONJ
fsr-3930	634	2	this	this	DET
fsr-3930	634	3	quantitative	quantitative	ADJ
fsr-3930	634	4	difference	difference	NOUN
fsr-3930	634	5	is	be	AUX
fsr-3930	634	6	economically	economically	ADV
fsr-3930	634	7	significant	significant	ADJ
fsr-3930	634	8	,	,	PUNCT
fsr-3930	634	9	it	it	PRON
fsr-3930	634	10	does	do	AUX
fsr-3930	634	11	not	not	PART
fsr-3930	634	12	affect	affect	VERB
fsr-3930	634	13	our	our	PRON
fsr-3930	634	14	qualitative	qualitative	ADJ
fsr-3930	634	15	conclusion	conclusion	NOUN
fsr-3930	634	16	that	that	SCONJ
fsr-3930	634	17	social	social	ADJ
fsr-3930	634	18	security	security	NOUN
fsr-3930	634	19	wealth	wealth	NOUN
fsr-3930	634	20	has	have	AUX
fsr-3930	634	21	a	a	DET
fsr-3930	634	22	dramatic	dramatic	ADJ
fsr-3930	634	23	impact	impact	NOUN
fsr-3930	634	24	on	on	ADP
fsr-3930	634	25	asset	asset	NOUN
fsr-3930	634	26	allocation	allocation	NOUN
fsr-3930	634	27	.	.	PUNCT
fsr-3930	635	1	it	it	PRON
fsr-3930	635	2	does	do	AUX
fsr-3930	635	3	encourage	encourage	VERB
fsr-3930	635	4	using	use	VERB
fsr-3930	635	5	individual	individual	ADJ
fsr-3930	635	6	-	-	PUNCT
fsr-3930	635	7	specific	specific	ADJ
fsr-3930	635	8	valuations	valuation	NOUN
fsr-3930	635	9	as	as	SCONJ
fsr-3930	635	10	discussed	discuss	VERB
fsr-3930	635	11	in	in	ADP
fsr-3930	635	12	section	section	NOUN
fsr-3930	635	13	5	5	NUM
fsr-3930	635	14	.	.	PUNCT
fsr-3930	635	15	table	table	NOUN
fsr-3930	635	16	11	11	NUM
fsr-3930	635	17	implications	implication	NOUN
fsr-3930	635	18	of	of	ADP
fsr-3930	635	19	a	a	DET
fsr-3930	635	20	60/40	60/40	NUM
fsr-3930	635	21	mix	mix	NOUN
fsr-3930	635	22	in	in	ADP
fsr-3930	635	23	the	the	DET
fsr-3930	635	24	financial	financial	ADJ
fsr-3930	635	25	portfolio	portfolio	NOUN
fsr-3930	635	26	for	for	ADP
fsr-3930	635	27	the	the	DET
fsr-3930	635	28	expanded	expand	VERB
fsr-3930	635	29	portfolio	portfolio	NOUN
fsr-3930	635	30	demography	demography	NOUN
fsr-3930	635	31	perceived	perceive	VERB
fsr-3930	635	32	financial	financial	ADJ
fsr-3930	635	33	portfolio	portfolio	NOUN
fsr-3930	635	34	resultant	resultant	NOUN
fsr-3930	635	35	expanded	expand	VERB
fsr-3930	635	36	portfolio	portfolio	NOUN
fsr-3930	635	37	including	include	VERB
fsr-3930	635	38	social	social	ADJ
fsr-3930	635	39	security	security	NOUN
fsr-3930	635	40	wealth	wealth	NOUN
fsr-3930	635	41	5	5	NUM
fsr-3930	635	42	%	%	NOUN
fsr-3930	635	43	saver	saver	ADJ
fsr-3930	635	44	10	10	NUM
fsr-3930	635	45	%	%	NOUN
fsr-3930	635	46	saver	saver	ADJ
fsr-3930	635	47	15	15	NUM
fsr-3930	635	48	%	%	NOUN
fsr-3930	635	49	saver	saver	ADJ
fsr-3930	635	50	mnd	mnd	NOUN
fsr-3930	635	51	saver	saver	ADJ
fsr-3930	635	52	stocks	stock	NOUN
fsr-3930	635	53	bonds	bond	VERB
fsr-3930	635	54	stocks	stock	NOUN
fsr-3930	635	55	bonds	bond	VERB
fsr-3930	635	56	stocks	stock	NOUN
fsr-3930	635	57	bonds	bond	VERB
fsr-3930	635	58	stocks	stock	NOUN
fsr-3930	635	59	bonds	bond	VERB
fsr-3930	635	60	stocks	stock	NOUN
fsr-3930	635	61	bonds	bond	VERB
fsr-3930	635	62	panel	panel	NOUN
fsr-3930	635	63	a	a	DET
fsr-3930	635	64	:	:	PUNCT
fsr-3930	635	65	gender	gender	NOUN
fsr-3930	635	66	impact	impact	NOUN
fsr-3930	635	67	age	age	NOUN
fsr-3930	635	68	status	status	NOUN
fsr-3930	635	69	gender	gender	NOUN
fsr-3930	635	70	50	50	NUM
fsr-3930	635	71	single	single	ADJ
fsr-3930	635	72	male	male	NOUN
fsr-3930	635	73	60	60	NUM
fsr-3930	635	74	%	%	NOUN
fsr-3930	635	75	40	40	NUM
fsr-3930	635	76	%	%	NOUN
fsr-3930	635	77	39	39	NUM
fsr-3930	635	78	%	%	NOUN
fsr-3930	635	79	61	61	NUM
fsr-3930	635	80	%	%	NOUN
fsr-3930	635	81	47	47	NUM
fsr-3930	635	82	%	%	NOUN
fsr-3930	635	83	53	53	NUM
fsr-3930	635	84	%	%	NOUN
fsr-3930	635	85	51	51	NUM
fsr-3930	635	86	%	%	NOUN
fsr-3930	635	87	49	49	NUM
fsr-3930	635	88	%	%	NOUN
fsr-3930	635	89	49	49	NUM
fsr-3930	635	90	%	%	NOUN
fsr-3930	635	91	51	51	NUM
fsr-3930	635	92	%	%	NOUN
fsr-3930	635	93	female	female	ADJ
fsr-3930	635	94	60	60	NUM
fsr-3930	635	95	%	%	NOUN
fsr-3930	635	96	40	40	NUM
fsr-3930	635	97	%	%	NOUN
fsr-3930	635	98	36	36	NUM
fsr-3930	635	99	%	%	NOUN
fsr-3930	635	100	64	64	NUM
fsr-3930	635	101	%	%	NOUN
fsr-3930	635	102	45	45	NUM
fsr-3930	635	103	%	%	NOUN
fsr-3930	635	104	55	55	NUM
fsr-3930	635	105	%	%	NOUN
fsr-3930	635	106	49	49	NUM
fsr-3930	635	107	%	%	NOUN
fsr-3930	635	108	51	51	NUM
fsr-3930	635	109	%	%	NOUN
fsr-3930	635	110	47	47	NUM
fsr-3930	635	111	%	%	NOUN
fsr-3930	635	112	53	53	NUM
fsr-3930	635	113	%	%	NOUN
fsr-3930	635	114	m	m	NOUN
fsr-3930	635	115	�	�	PROPN
fsr-3930	635	116	f	f	PROPN
fsr-3930	635	117	�	�	PROPN
fsr-3930	635	118	2.7	2.7	NUM
fsr-3930	635	119	%	%	NOUN
fsr-3930	635	120	�	�	NOUN
fsr-3930	635	121	2.7	2.7	NUM
fsr-3930	635	122	%	%	NOUN
fsr-3930	635	123	2.0	2.0	NUM
fsr-3930	635	124	%	%	NOUN
fsr-3930	635	125	�	�	NOUN
fsr-3930	635	126	2.0	2.0	NUM
fsr-3930	635	127	%	%	NOUN
fsr-3930	635	128	1.6	1.6	NUM
fsr-3930	635	129	%	%	NOUN
fsr-3930	635	130	�	�	NOUN
fsr-3930	635	131	1.6	1.6	NUM
fsr-3930	635	132	%	%	NOUN
fsr-3930	635	133	1.8	1.8	NUM
fsr-3930	635	134	%	%	NOUN
fsr-3930	635	135	�	�	NOUN
fsr-3930	635	136	1.8	1.8	NUM
fsr-3930	635	137	%	%	NOUN
fsr-3930	635	138	spouse	spouse	NOUN
fsr-3930	635	139	is	be	AUX
fsr-3930	635	140	50	50	NUM
fsr-3930	635	141	male	male	NOUN
fsr-3930	635	142	60	60	NUM
fsr-3930	635	143	%	%	NOUN
fsr-3930	635	144	40	40	NUM
fsr-3930	635	145	%	%	NOUN
fsr-3930	635	146	29	29	NUM
fsr-3930	635	147	%	%	NOUN
fsr-3930	635	148	71	71	NUM
fsr-3930	635	149	%	%	NOUN
fsr-3930	635	150	39	39	NUM
fsr-3930	635	151	%	%	NOUN
fsr-3930	635	152	61	61	NUM
fsr-3930	635	153	%	%	NOUN
fsr-3930	635	154	44	44	NUM
fsr-3930	635	155	%	%	NOUN
fsr-3930	635	156	56	56	NUM
fsr-3930	635	157	%	%	NOUN
fsr-3930	635	158	42	42	NUM
fsr-3930	635	159	%	%	NOUN
fsr-3930	635	160	58	58	NUM
fsr-3930	635	161	%	%	NOUN
fsr-3930	635	162	female	female	ADJ
fsr-3930	635	163	60	60	NUM
fsr-3930	635	164	%	%	NOUN
fsr-3930	635	165	40	40	NUM
fsr-3930	635	166	%	%	NOUN
fsr-3930	635	167	29	29	NUM
fsr-3930	635	168	%	%	NOUN
fsr-3930	635	169	71	71	NUM
fsr-3930	635	170	%	%	NOUN
fsr-3930	635	171	39	39	NUM
fsr-3930	635	172	%	%	NOUN
fsr-3930	635	173	61	61	NUM
fsr-3930	635	174	%	%	NOUN
fsr-3930	635	175	44	44	NUM
fsr-3930	635	176	%	%	NOUN
fsr-3930	635	177	56	56	NUM
fsr-3930	635	178	%	%	NOUN
fsr-3930	635	179	41	41	NUM
fsr-3930	635	180	%	%	NOUN
fsr-3930	635	181	59	59	NUM
fsr-3930	635	182	%	%	NOUN
fsr-3930	635	183	m	m	NOUN
fsr-3930	635	184	�	�	PROPN
fsr-3930	635	185	f	f	PROPN
fsr-3930	635	186	�	�	PROPN
fsr-3930	635	187	0.8	0.8	NUM
fsr-3930	635	188	%	%	NOUN
fsr-3930	635	189	�	�	NOUN
fsr-3930	635	190	0.8	0.8	NUM
fsr-3930	635	191	%	%	NOUN
fsr-3930	635	192	0.7	0.7	NUM
fsr-3930	635	193	%	%	NOUN
fsr-3930	635	194	�	�	NOUN
fsr-3930	635	195	0.7	0.7	NUM
fsr-3930	635	196	%	%	NOUN
fsr-3930	635	197	0.6	0.6	NUM
fsr-3930	635	198	%	%	NOUN
fsr-3930	635	199	�	�	NOUN
fsr-3930	635	200	0.6	0.6	NUM
fsr-3930	635	201	%	%	NOUN
fsr-3930	635	202	0.7	0.7	NUM
fsr-3930	635	203	%	%	NOUN
fsr-3930	635	204	�	�	NOUN
fsr-3930	635	205	0.7	0.7	NUM
fsr-3930	635	206	%	%	NOUN
fsr-3930	635	207	spouse	spouse	NOUN
fsr-3930	635	208	is	be	AUX
fsr-3930	635	209	40	40	NUM
fsr-3930	635	210	male	male	NOUN
fsr-3930	635	211	60	60	NUM
fsr-3930	635	212	%	%	NOUN
fsr-3930	635	213	40	40	NUM
fsr-3930	635	214	%	%	NOUN
fsr-3930	635	215	28	28	NUM
fsr-3930	635	216	%	%	NOUN
fsr-3930	635	217	72	72	NUM
fsr-3930	635	218	%	%	NOUN
fsr-3930	635	219	38	38	NUM
fsr-3930	635	220	%	%	NOUN
fsr-3930	635	221	62	62	NUM
fsr-3930	635	222	%	%	NOUN
fsr-3930	635	223	43	43	NUM
fsr-3930	635	224	%	%	NOUN
fsr-3930	635	225	57	57	NUM
fsr-3930	635	226	%	%	NOUN
fsr-3930	635	227	40	40	NUM
fsr-3930	635	228	%	%	NOUN
fsr-3930	635	229	60	60	NUM
fsr-3930	635	230	%	%	NOUN
fsr-3930	635	231	female	female	ADJ
fsr-3930	635	232	60	60	NUM
fsr-3930	635	233	%	%	NOUN
fsr-3930	635	234	40	40	NUM
fsr-3930	635	235	%	%	NOUN
fsr-3930	635	236	27	27	NUM
fsr-3930	635	237	%	%	NOUN
fsr-3930	635	238	73	73	NUM
fsr-3930	635	239	%	%	NOUN
fsr-3930	635	240	38	38	NUM
fsr-3930	635	241	%	%	NOUN
fsr-3930	635	242	62	62	NUM
fsr-3930	635	243	%	%	NOUN
fsr-3930	635	244	43	43	NUM
fsr-3930	635	245	%	%	NOUN
fsr-3930	635	246	57	57	NUM
fsr-3930	635	247	%	%	NOUN
fsr-3930	635	248	40	40	NUM
fsr-3930	635	249	%	%	NOUN
fsr-3930	636	1	60	60	NUM
fsr-3930	636	2	%	%	NOUN
fsr-3930	636	3	m	m	NOUN
fsr-3930	636	4	�	�	PROPN
fsr-3930	636	5	f	f	PROPN
fsr-3930	636	6	�	�	PROPN
fsr-3930	636	7	0.4	0.4	NUM
fsr-3930	636	8	%	%	NOUN
fsr-3930	636	9	�	�	PROPN
fsr-3930	636	10	0.4	0.4	NUM
fsr-3930	636	11	%	%	NOUN
fsr-3930	636	12	0.3	0.3	NUM
fsr-3930	636	13	%	%	NOUN
fsr-3930	636	14	�	�	NOUN
fsr-3930	636	15	0.3	0.3	NUM
fsr-3930	636	16	%	%	NOUN
fsr-3930	636	17	0.3	0.3	NUM
fsr-3930	636	18	%	%	NOUN
fsr-3930	636	19	�	�	NOUN
fsr-3930	636	20	0.3	0.3	NUM
fsr-3930	636	21	%	%	NOUN
fsr-3930	636	22	0.3	0.3	NUM
fsr-3930	636	23	%	%	NOUN
fsr-3930	636	24	�	�	NOUN
fsr-3930	636	25	0.3	0.3	NUM
fsr-3930	636	26	%	%	NOUN
fsr-3930	636	27	panel	panel	NOUN
fsr-3930	636	28	b	b	NOUN
fsr-3930	636	29	:	:	PUNCT
fsr-3930	636	30	income	income	NOUN
fsr-3930	636	31	impact	impact	NOUN
fsr-3930	636	32	age	age	NOUN
fsr-3930	636	33	status	status	NOUN
fsr-3930	636	34	income	income	VERB
fsr-3930	636	35	50	50	NUM
fsr-3930	636	36	single	single	ADJ
fsr-3930	636	37	$	$	SYM
fsr-3930	636	38	72,600	72,600	NUM
fsr-3930	636	39	60	60	NUM
fsr-3930	636	40	%	%	NOUN
fsr-3930	636	41	40	40	NUM
fsr-3930	636	42	%	%	NOUN
fsr-3930	636	43	34	34	NUM
fsr-3930	636	44	%	%	NOUN
fsr-3930	636	45	66	66	NUM
fsr-3930	636	46	%	%	NOUN
fsr-3930	636	47	44	44	NUM
fsr-3930	636	48	%	%	NOUN
fsr-3930	636	49	56	56	NUM
fsr-3930	636	50	%	%	NOUN
fsr-3930	636	51	48	48	NUM
fsr-3930	636	52	%	%	NOUN
fsr-3930	636	53	52	52	NUM
fsr-3930	636	54	%	%	NOUN
fsr-3930	636	55	46	46	NUM
fsr-3930	636	56	%	%	NOUN
fsr-3930	636	57	54	54	NUM
fsr-3930	636	58	%	%	NOUN
fsr-3930	636	59	$	$	SYM
fsr-3930	636	60	36,456	36,456	NUM
fsr-3930	636	61	60	60	NUM
fsr-3930	636	62	%	%	NOUN
fsr-3930	636	63	40	40	NUM
fsr-3930	636	64	%	%	NOUN
fsr-3930	636	65	26	26	NUM
fsr-3930	636	66	%	%	NOUN
fsr-3930	636	67	74	74	NUM
fsr-3930	636	68	%	%	NOUN
fsr-3930	636	69	36	36	NUM
fsr-3930	636	70	%	%	NOUN
fsr-3930	636	71	64	64	NUM
fsr-3930	636	72	%	%	NOUN
fsr-3930	636	73	42	42	NUM
fsr-3930	636	74	%	%	NOUN
fsr-3930	636	75	58	58	NUM
fsr-3930	636	76	%	%	NOUN
fsr-3930	636	77	39	39	NUM
fsr-3930	636	78	%	%	NOUN
fsr-3930	636	79	61	61	NUM
fsr-3930	636	80	%	%	NOUN
fsr-3930	636	81	married	marry	VERB
fsr-3930	636	82	$	$	SYM
fsr-3930	636	83	72,600	72,600	NUM
fsr-3930	636	84	60	60	NUM
fsr-3930	636	85	%	%	NOUN
fsr-3930	636	86	40	40	NUM
fsr-3930	636	87	%	%	NOUN
fsr-3930	636	88	27	27	NUM
fsr-3930	636	89	%	%	NOUN
fsr-3930	636	90	73	73	NUM
fsr-3930	636	91	%	%	NOUN
fsr-3930	636	92	37	37	NUM
fsr-3930	636	93	%	%	NOUN
fsr-3930	636	94	63	63	NUM
fsr-3930	636	95	%	%	NOUN
fsr-3930	636	96	43	43	NUM
fsr-3930	636	97	%	%	NOUN
fsr-3930	636	98	57	57	NUM
fsr-3930	636	99	%	%	NOUN
fsr-3930	636	100	40	40	NUM
fsr-3930	636	101	%	%	NOUN
fsr-3930	636	102	60	60	NUM
fsr-3930	636	103	%	%	NOUN
fsr-3930	636	104	$	$	SYM
fsr-3930	636	105	36,456	36,456	NUM
fsr-3930	636	106	60	60	NUM
fsr-3930	636	107	%	%	NOUN
fsr-3930	636	108	40	40	NUM
fsr-3930	636	109	%	%	NOUN
fsr-3930	636	110	19	19	NUM
fsr-3930	636	111	%	%	NOUN
fsr-3930	636	112	81	81	NUM
fsr-3930	636	113	%	%	NOUN
fsr-3930	636	114	29	29	NUM
fsr-3930	636	115	%	%	NOUN
fsr-3930	636	116	71	71	NUM
fsr-3930	636	117	%	%	NOUN
fsr-3930	636	118	35	35	NUM
fsr-3930	636	119	%	%	NOUN
fsr-3930	636	120	65	65	NUM
fsr-3930	636	121	%	%	NOUN
fsr-3930	636	122	31	31	NUM
fsr-3930	636	123	%	%	NOUN
fsr-3930	636	124	69	69	NUM
fsr-3930	636	125	%	%	NOUN
fsr-3930	636	126	panel	panel	NOUN
fsr-3930	636	127	c	c	NOUN
fsr-3930	636	128	:	:	PUNCT
fsr-3930	636	129	retirement	retirement	NOUN
fsr-3930	636	130	age	age	NOUN
fsr-3930	636	131	impact	impact	NOUN
fsr-3930	636	132	age	age	NOUN
fsr-3930	636	133	status	status	NOUN
fsr-3930	636	134	retire	retire	VERB
fsr-3930	636	135	at	at	ADP
fsr-3930	636	136	50	50	NUM
fsr-3930	636	137	single	single	ADJ
fsr-3930	636	138	62	62	NUM
fsr-3930	636	139	60	60	NUM
fsr-3930	636	140	%	%	NOUN
fsr-3930	636	141	40	40	NUM
fsr-3930	636	142	%	%	NOUN
fsr-3930	636	143	39	39	NUM
fsr-3930	636	144	%	%	NOUN
fsr-3930	636	145	61	61	NUM
fsr-3930	636	146	%	%	NOUN
fsr-3930	636	147	47	47	NUM
fsr-3930	636	148	%	%	NOUN
fsr-3930	636	149	53	53	NUM
fsr-3930	636	150	%	%	NOUN
fsr-3930	636	151	51	51	NUM
fsr-3930	636	152	%	%	NOUN
fsr-3930	636	153	49	49	NUM
fsr-3930	636	154	%	%	NOUN
fsr-3930	636	155	49	49	NUM
fsr-3930	636	156	%	%	NOUN
fsr-3930	636	157	51	51	NUM
fsr-3930	636	158	%	%	NOUN
fsr-3930	636	159	65	65	NUM
fsr-3930	636	160	60	60	NUM
fsr-3930	636	161	%	%	NOUN
fsr-3930	636	162	40	40	NUM
fsr-3930	636	163	%	%	NOUN
fsr-3930	636	164	35	35	NUM
fsr-3930	636	165	%	%	NOUN
fsr-3930	636	166	65	65	NUM
fsr-3930	636	167	%	%	NOUN
fsr-3930	636	168	44	44	NUM
fsr-3930	636	169	%	%	NOUN
fsr-3930	636	170	56	56	NUM
fsr-3930	636	171	%	%	NOUN
fsr-3930	636	172	48	48	NUM
fsr-3930	636	173	%	%	NOUN
fsr-3930	636	174	52	52	NUM
fsr-3930	636	175	%	%	NOUN
fsr-3930	636	176	46	46	NUM
fsr-3930	636	177	%	%	NOUN
fsr-3930	636	178	54	54	NUM
fsr-3930	636	179	%	%	NOUN
fsr-3930	636	180	married	marry	VERB
fsr-3930	636	181	62	62	NUM
fsr-3930	636	182	60	60	NUM
fsr-3930	636	183	%	%	NOUN
fsr-3930	636	184	40	40	NUM
fsr-3930	636	185	%	%	NOUN
fsr-3930	636	186	28	28	NUM
fsr-3930	636	187	%	%	NOUN
fsr-3930	636	188	72	72	NUM
fsr-3930	636	189	%	%	NOUN
fsr-3930	636	190	38	38	NUM
fsr-3930	636	191	%	%	NOUN
fsr-3930	636	192	62	62	NUM
fsr-3930	636	193	%	%	NOUN
fsr-3930	636	194	43	43	NUM
fsr-3930	636	195	%	%	NOUN
fsr-3930	636	196	57	57	NUM
fsr-3930	636	197	%	%	NOUN
fsr-3930	636	198	40	40	NUM
fsr-3930	636	199	%	%	NOUN
fsr-3930	636	200	60	60	NUM
fsr-3930	636	201	%	%	NOUN
fsr-3930	636	202	65	65	NUM
fsr-3930	636	203	60	60	NUM
fsr-3930	636	204	%	%	NOUN
fsr-3930	636	205	40	40	NUM
fsr-3930	636	206	%	%	NOUN
fsr-3930	636	207	27	27	NUM
fsr-3930	636	208	%	%	NOUN
fsr-3930	636	209	73	73	NUM
fsr-3930	636	210	%	%	NOUN
fsr-3930	636	211	37	37	NUM
fsr-3930	636	212	%	%	NOUN
fsr-3930	636	213	63	63	NUM
fsr-3930	636	214	%	%	NOUN
fsr-3930	636	215	42	42	NUM
fsr-3930	636	216	%	%	NOUN
fsr-3930	636	217	58	58	NUM
fsr-3930	636	218	%	%	NOUN
fsr-3930	636	219	39	39	NUM
fsr-3930	636	220	%	%	NOUN
fsr-3930	636	221	61	61	NUM
fsr-3930	636	222	%	%	NOUN
fsr-3930	636	223	expanded	expand	VERB
fsr-3930	636	224	portfolio	portfolio	NOUN
fsr-3930	636	225	stock	stock	NOUN
fsr-3930	636	226	/	/	SYM
fsr-3930	636	227	bond	bond	NOUN
fsr-3930	636	228	mix	mix	NOUN
fsr-3930	636	229	resulting	result	VERB
fsr-3930	636	230	from	from	ADP
fsr-3930	636	231	adding	add	VERB
fsr-3930	636	232	social	social	ADJ
fsr-3930	636	233	security	security	NOUN
fsr-3930	636	234	wealth	wealth	NOUN
fsr-3930	636	235	to	to	ADP
fsr-3930	636	236	a	a	DET
fsr-3930	636	237	financial	financial	ADJ
fsr-3930	636	238	portfolio	portfolio	NOUN
fsr-3930	636	239	with	with	ADP
fsr-3930	636	240	a	a	DET
fsr-3930	636	241	60/40	60/40	NUM
fsr-3930	636	242	fixed	fix	VERB
fsr-3930	636	243	mix	mix	NOUN
fsr-3930	636	244	.	.	PUNCT
fsr-3930	637	1	social	social	ADJ
fsr-3930	637	2	security	security	NOUN
fsr-3930	637	3	wealth	wealth	NOUN
fsr-3930	637	4	is	be	AUX
fsr-3930	637	5	treated	treat	VERB
fsr-3930	637	6	as	as	ADP
fsr-3930	637	7	a	a	DET
fsr-3930	637	8	bond	bond	NOUN
fsr-3930	637	9	and	and	CCONJ
fsr-3930	637	10	uses	use	VERB
fsr-3930	637	11	values	value	NOUN
fsr-3930	637	12	from	from	ADP
fsr-3930	637	13	table	table	NOUN
fsr-3930	637	14	1	1	NUM
fsr-3930	637	15	computed	compute	VERB
fsr-3930	637	16	using	use	VERB
fsr-3930	637	17	real	real	ADJ
fsr-3930	637	18	tips	tip	NOUN
fsr-3930	637	19	yields	yield	NOUN
fsr-3930	637	20	for	for	ADP
fsr-3930	637	21	a	a	DET
fsr-3930	637	22	high	high	ADV
fsr-3930	637	23	-	-	PUNCT
fsr-3930	637	24	earning	earn	VERB
fsr-3930	637	25	worker	worker	NOUN
fsr-3930	637	26	.	.	PUNCT
fsr-3930	638	1	savings	saving	NOUN
fsr-3930	638	2	rates	rate	NOUN
fsr-3930	638	3	are	be	AUX
fsr-3930	638	4	applied	apply	VERB
fsr-3930	638	5	over	over	ADP
fsr-3930	638	6	a	a	DET
fsr-3930	638	7	working	work	VERB
fsr-3930	638	8	lifetime	lifetime	NOUN
fsr-3930	638	9	to	to	PART
fsr-3930	638	10	create	create	VERB
fsr-3930	638	11	financial	financial	ADJ
fsr-3930	638	12	portfolio	portfolio	NOUN
fsr-3930	638	13	values	value	NOUN
fsr-3930	638	14	;	;	PUNCT
fsr-3930	638	15	mnd	mnd	PROPN
fsr-3930	638	16	saver	saver	NOUN
fsr-3930	638	17	’s	’s	PART
fsr-3930	638	18	financial	financial	ADJ
fsr-3930	638	19	portfolios	portfolio	NOUN
fsr-3930	638	20	are	be	AUX
fsr-3930	638	21	computed	compute	VERB
fsr-3930	638	22	for	for	ADP
fsr-3930	638	23	“	"	PUNCT
fsr-3930	638	24	prodigious	prodigious	ADJ
fsr-3930	638	25	accumulator[s	accumulator[s	NOUN
fsr-3930	638	26	]	]	PUNCT
fsr-3930	638	27	of	of	ADP
fsr-3930	638	28	wealth	wealth	NOUN
fsr-3930	638	29	”	"	PUNCT
fsr-3930	638	30	per	per	ADP
fsr-3930	638	31	stanley	stanley	NOUN
fsr-3930	638	32	and	and	CCONJ
fsr-3930	638	33	danko	danko	PROPN
fsr-3930	638	34	(	(	PUNCT
fsr-3930	638	35	1996	1996	NUM
fsr-3930	638	36	)	)	PUNCT
fsr-3930	638	37	.	.	PUNCT
fsr-3930	639	1	323s.p	323s.p	X
fsr-3930	639	2	.	.	PUNCT
fsr-3930	640	1	fraser	fraser	PROPN
fsr-3930	640	2	et	et	PROPN
fsr-3930	640	3	al	al	PROPN
fsr-3930	640	4	.	.	PUNCT
fsr-3930	640	5	/	/	SYM
fsr-3930	640	6	financial	financial	ADJ
fsr-3930	640	7	services	service	NOUN
fsr-3930	640	8	review	review	VERB
fsr-3930	640	9	9	9	NUM
fsr-3930	640	10	(	(	PUNCT
fsr-3930	640	11	2000	2000	NUM
fsr-3930	640	12	)	)	PUNCT
fsr-3930	640	13	295–326	295–326	NUM
fsr-3930	640	14	a3	a3	NOUN
fsr-3930	640	15	.	.	PUNCT
fsr-3930	641	1	retirement	retirement	NOUN
fsr-3930	641	2	age	age	NOUN
fsr-3930	641	3	impact	impact	NOUN
fsr-3930	641	4	all	all	PRON
fsr-3930	641	5	else	else	ADV
fsr-3930	641	6	equal	equal	ADJ
fsr-3930	641	7	,	,	PUNCT
fsr-3930	641	8	people	people	NOUN
fsr-3930	641	9	planning	plan	VERB
fsr-3930	641	10	on	on	ADP
fsr-3930	641	11	waiting	wait	VERB
fsr-3930	641	12	until	until	ADP
fsr-3930	641	13	age	age	NOUN
fsr-3930	641	14	65	65	NUM
fsr-3930	641	15	to	to	PART
fsr-3930	641	16	draw	draw	VERB
fsr-3930	641	17	social	social	ADJ
fsr-3930	641	18	security	security	NOUN
fsr-3930	641	19	will	will	AUX
fsr-3930	641	20	have	have	VERB
fsr-3930	641	21	different	different	ADJ
fsr-3930	641	22	asset	asset	NOUN
fsr-3930	641	23	allocation	allocation	NOUN
fsr-3930	641	24	consequences	consequence	NOUN
fsr-3930	641	25	of	of	ADP
fsr-3930	641	26	including	include	VERB
fsr-3930	641	27	social	social	ADJ
fsr-3930	641	28	security	security	NOUN
fsr-3930	641	29	wealth	wealth	NOUN
fsr-3930	641	30	in	in	ADP
fsr-3930	641	31	their	their	PRON
fsr-3930	641	32	expanded	expand	VERB
fsr-3930	641	33	portfolios	portfolio	NOUN
fsr-3930	641	34	than	than	ADP
fsr-3930	641	35	those	those	PRON
fsr-3930	641	36	that	that	PRON
fsr-3930	641	37	start	start	VERB
fsr-3930	641	38	at	at	ADP
fsr-3930	641	39	age	age	NOUN
fsr-3930	641	40	62	62	NUM
fsr-3930	641	41	.	.	PUNCT
fsr-3930	642	1	retirement	retirement	NOUN
fsr-3930	642	2	age	age	NOUN
fsr-3930	642	3	affects	affect	VERB
fsr-3930	642	4	both	both	CCONJ
fsr-3930	642	5	the	the	DET
fsr-3930	642	6	amount	amount	NOUN
fsr-3930	642	7	of	of	ADP
fsr-3930	642	8	social	social	ADJ
fsr-3930	642	9	security	security	NOUN
fsr-3930	642	10	benefits	benefit	NOUN
fsr-3930	642	11	and	and	CCONJ
fsr-3930	642	12	the	the	DET
fsr-3930	642	13	size	size	NOUN
fsr-3930	642	14	of	of	ADP
fsr-3930	642	15	financial	financial	ADJ
fsr-3930	642	16	portfolios	portfolio	NOUN
fsr-3930	642	17	.	.	PUNCT
fsr-3930	643	1	waiting	wait	VERB
fsr-3930	643	2	to	to	PART
fsr-3930	643	3	retire	retire	VERB
fsr-3930	643	4	will	will	AUX
fsr-3930	643	5	reduce	reduce	VERB
fsr-3930	643	6	the	the	DET
fsr-3930	643	7	early	early	ADJ
fsr-3930	643	8	retirement	retirement	NOUN
fsr-3930	643	9	penalty	penalty	NOUN
fsr-3930	643	10	and	and	CCONJ
fsr-3930	643	11	increase	increase	VERB
fsr-3930	643	12	the	the	DET
fsr-3930	643	13	financial	financial	ADJ
fsr-3930	643	14	portfolio	portfolio	NOUN
fsr-3930	643	15	;	;	PUNCT
fsr-3930	643	16	however	however	ADV
fsr-3930	643	17	,	,	PUNCT
fsr-3930	643	18	waiting	wait	VERB
fsr-3930	643	19	decreases	decrease	VERB
fsr-3930	643	20	the	the	DET
fsr-3930	643	21	expected	expected	ADJ
fsr-3930	643	22	duration	duration	NOUN
fsr-3930	643	23	of	of	ADP
fsr-3930	643	24	receiving	receive	VERB
fsr-3930	643	25	benefits	benefit	NOUN
fsr-3930	643	26	.	.	PUNCT
fsr-3930	644	1	given	give	VERB
fsr-3930	644	2	all	all	PRON
fsr-3930	644	3	of	of	ADP
fsr-3930	644	4	our	our	PRON
fsr-3930	644	5	assumptions	assumption	NOUN
fsr-3930	644	6	,	,	PUNCT
fsr-3930	644	7	retiring	retire	VERB
fsr-3930	644	8	at	at	ADP
fsr-3930	644	9	age	age	NOUN
fsr-3930	644	10	65	65	NUM
fsr-3930	644	11	implies	imply	VERB
fsr-3930	644	12	greater	great	ADJ
fsr-3930	644	13	social	social	ADJ
fsr-3930	644	14	security	security	NOUN
fsr-3930	644	15	wealth	wealth	NOUN
fsr-3930	644	16	than	than	ADP
fsr-3930	644	17	retiring	retire	VERB
fsr-3930	644	18	at	at	ADP
fsr-3930	644	19	age	age	NOUN
fsr-3930	644	20	62	62	NUM
fsr-3930	644	21	.	.	PUNCT
fsr-3930	645	1	those	those	PRON
fsr-3930	645	2	that	that	PRON
fsr-3930	645	3	retire	retire	VERB
fsr-3930	645	4	at	at	ADP
fsr-3930	645	5	age	age	NOUN
fsr-3930	645	6	65	65	NUM
fsr-3930	645	7	have	have	VERB
fsr-3930	645	8	greater	great	ADJ
fsr-3930	645	9	social	social	ADJ
fsr-3930	645	10	security	security	NOUN
fsr-3930	645	11	wealth	wealth	NOUN
fsr-3930	645	12	relative	relative	ADJ
fsr-3930	645	13	to	to	ADP
fsr-3930	645	14	their	their	PRON
fsr-3930	645	15	financial	financial	ADJ
fsr-3930	645	16	portfolios	portfolio	NOUN
fsr-3930	645	17	;	;	PUNCT
fsr-3930	645	18	thus	thus	ADV
fsr-3930	645	19	,	,	PUNCT
fsr-3930	645	20	they	they	PRON
fsr-3930	645	21	will	will	AUX
fsr-3930	645	22	have	have	VERB
fsr-3930	645	23	a	a	DET
fsr-3930	645	24	greater	great	ADJ
fsr-3930	645	25	bond	bond	NOUN
fsr-3930	645	26	allocation	allocation	NOUN
fsr-3930	645	27	than	than	ADP
fsr-3930	645	28	those	those	PRON
fsr-3930	645	29	retiring	retire	VERB
fsr-3930	645	30	at	at	ADP
fsr-3930	645	31	age	age	NOUN
fsr-3930	645	32	62	62	NUM
fsr-3930	645	33	in	in	ADP
fsr-3930	645	34	their	their	PRON
fsr-3930	645	35	expanded	expand	VERB
fsr-3930	645	36	portfolio	portfolio	NOUN
fsr-3930	645	37	for	for	ADP
fsr-3930	645	38	any	any	DET
fsr-3930	645	39	asset	asset	NOUN
fsr-3930	645	40	-	-	PUNCT
fsr-3930	645	41	mix	mix	NOUN
fsr-3930	645	42	decision	decision	NOUN
fsr-3930	645	43	rule	rule	NOUN
fsr-3930	645	44	.	.	PUNCT
fsr-3930	646	1	note	note	VERB
fsr-3930	646	2	that	that	SCONJ
fsr-3930	646	3	using	use	VERB
fsr-3930	646	4	the	the	DET
fsr-3930	646	5	worker	worker	NOUN
fsr-3930	646	6	retiring	retire	VERB
fsr-3930	646	7	at	at	ADP
fsr-3930	646	8	age	age	NOUN
fsr-3930	646	9	62	62	NUM
fsr-3930	646	10	as	as	SCONJ
fsr-3930	646	11	our	our	PRON
fsr-3930	646	12	base	base	NOUN
fsr-3930	646	13	case	case	NOUN
fsr-3930	646	14	was	be	AUX
fsr-3930	646	15	a	a	DET
fsr-3930	646	16	conservative	conservative	ADJ
fsr-3930	646	17	assumption	assumption	NOUN
fsr-3930	646	18	since	since	SCONJ
fsr-3930	646	19	it	it	PRON
fsr-3930	646	20	reduced	reduce	VERB
fsr-3930	646	21	the	the	DET
fsr-3930	646	22	impact	impact	NOUN
fsr-3930	646	23	of	of	ADP
fsr-3930	646	24	social	social	ADJ
fsr-3930	646	25	security	security	NOUN
fsr-3930	646	26	wealth	wealth	NOUN
fsr-3930	646	27	on	on	ADP
fsr-3930	646	28	the	the	DET
fsr-3930	646	29	expanded	expand	VERB
fsr-3930	646	30	portfolio	portfolio	NOUN
fsr-3930	646	31	.	.	PUNCT
fsr-3930	647	1	we	we	PRON
fsr-3930	647	2	also	also	ADV
fsr-3930	647	3	believe	believe	VERB
fsr-3930	647	4	it	it	PRON
fsr-3930	647	5	a	a	DET
fsr-3930	647	6	more	more	ADV
fsr-3930	647	7	likely	likely	ADJ
fsr-3930	647	8	scenario	scenario	NOUN
fsr-3930	647	9	for	for	ADP
fsr-3930	647	10	the	the	DET
fsr-3930	647	11	reasons	reason	NOUN
fsr-3930	647	12	discussed	discuss	VERB
fsr-3930	647	13	in	in	ADP
fsr-3930	647	14	section	section	NOUN
fsr-3930	647	15	3.3	3.3	NUM
fsr-3930	647	16	.	.	PUNCT
fsr-3930	648	1	panel	panel	NOUN
fsr-3930	648	2	c	c	PROPN
fsr-3930	648	3	of	of	ADP
fsr-3930	648	4	table	table	NOUN
fsr-3930	648	5	11	11	NUM
fsr-3930	648	6	shows	show	VERB
fsr-3930	648	7	the	the	DET
fsr-3930	648	8	retirement	retirement	NOUN
fsr-3930	648	9	age	age	NOUN
fsr-3930	648	10	impact	impact	NOUN
fsr-3930	648	11	.	.	PUNCT
fsr-3930	649	1	for	for	ADP
fsr-3930	649	2	fifty	fifty	NUM
fsr-3930	649	3	-	-	PUNCT
fsr-3930	649	4	year	year	NOUN
fsr-3930	649	5	-	-	PUNCT
fsr-3930	649	6	old	old	ADJ
fsr-3930	649	7	workers	worker	NOUN
fsr-3930	649	8	pursuing	pursue	VERB
fsr-3930	649	9	a	a	DET
fsr-3930	649	10	60/40	60/40	NUM
fsr-3930	649	11	fixed	fix	VERB
fsr-3930	649	12	mix	mix	NOUN
fsr-3930	649	13	,	,	PUNCT
fsr-3930	649	14	the	the	DET
fsr-3930	649	15	delayed	delay	VERB
fsr-3930	649	16	-	-	PUNCT
fsr-3930	649	17	retirement	retirement	NOUN
fsr-3930	649	18	expanded	expand	VERB
fsr-3930	649	19	portfolio	portfolio	NOUN
fsr-3930	649	20	stock	stock	NOUN
fsr-3930	649	21	allocation	allocation	NOUN
fsr-3930	649	22	is	be	AUX
fsr-3930	649	23	within	within	ADP
fsr-3930	649	24	4	4	NUM
fsr-3930	649	25	%	%	NOUN
fsr-3930	649	26	of	of	ADP
fsr-3930	649	27	the	the	DET
fsr-3930	649	28	early	early	ADJ
fsr-3930	649	29	-	-	PUNCT
fsr-3930	649	30	retirement	retirement	NOUN
fsr-3930	649	31	allocation	allocation	NOUN
fsr-3930	649	32	.	.	PUNCT
fsr-3930	650	1	accommodating	accommodate	VERB
fsr-3930	650	2	retirement	retirement	NOUN
fsr-3930	650	3	age	age	NOUN
fsr-3930	650	4	differences	difference	NOUN
fsr-3930	650	5	has	have	VERB
fsr-3930	650	6	minimal	minimal	ADJ
fsr-3930	650	7	impact	impact	NOUN
fsr-3930	650	8	on	on	ADP
fsr-3930	650	9	our	our	PRON
fsr-3930	650	10	conclusion	conclusion	NOUN
fsr-3930	650	11	that	that	SCONJ
fsr-3930	650	12	social	social	ADJ
fsr-3930	650	13	security	security	NOUN
fsr-3930	650	14	wealth	wealth	NOUN
fsr-3930	650	15	has	have	AUX
fsr-3930	650	16	a	a	DET
fsr-3930	650	17	dramatic	dramatic	ADJ
fsr-3930	650	18	impact	impact	NOUN
fsr-3930	650	19	on	on	ADP
fsr-3930	650	20	asset	asset	NOUN
fsr-3930	650	21	allocation	allocation	NOUN
fsr-3930	650	22	.	.	PUNCT
fsr-3930	651	1	a4	a4	NOUN
fsr-3930	651	2	.	.	PUNCT
fsr-3930	652	1	summary	summary	NOUN
fsr-3930	652	2	of	of	ADP
fsr-3930	652	3	generalized	generalized	ADJ
fsr-3930	652	4	results	result	NOUN
fsr-3930	652	5	as	as	ADP
fsr-3930	652	6	with	with	ADP
fsr-3930	652	7	the	the	DET
fsr-3930	652	8	base	base	NOUN
fsr-3930	652	9	case	case	NOUN
fsr-3930	652	10	discussed	discuss	VERB
fsr-3930	652	11	in	in	ADP
fsr-3930	652	12	the	the	DET
fsr-3930	652	13	body	body	NOUN
fsr-3930	652	14	of	of	ADP
fsr-3930	652	15	the	the	DET
fsr-3930	652	16	paper	paper	NOUN
fsr-3930	652	17	,	,	PUNCT
fsr-3930	652	18	the	the	DET
fsr-3930	652	19	generalized	generalize	VERB
fsr-3930	652	20	results	result	NOUN
fsr-3930	652	21	demonstrate	demonstrate	VERB
fsr-3930	652	22	the	the	DET
fsr-3930	652	23	dramatic	dramatic	ADJ
fsr-3930	652	24	impact	impact	NOUN
fsr-3930	652	25	of	of	ADP
fsr-3930	652	26	including	include	VERB
fsr-3930	652	27	social	social	ADJ
fsr-3930	652	28	security	security	NOUN
fsr-3930	652	29	wealth	wealth	NOUN
fsr-3930	652	30	in	in	ADP
fsr-3930	652	31	an	an	DET
fsr-3930	652	32	expanded	expand	VERB
fsr-3930	652	33	portfolio	portfolio	NOUN
fsr-3930	652	34	.	.	PUNCT
fsr-3930	653	1	all	all	DET
fsr-3930	653	2	else	else	ADV
fsr-3930	653	3	equal	equal	ADJ
fsr-3930	653	4	,	,	PUNCT
fsr-3930	653	5	gender	gender	NOUN
fsr-3930	653	6	differences	difference	NOUN
fsr-3930	653	7	and	and	CCONJ
fsr-3930	653	8	retirement	retirement	NOUN
fsr-3930	653	9	-	-	PUNCT
fsr-3930	653	10	age	age	NOUN
fsr-3930	653	11	differences	difference	NOUN
fsr-3930	653	12	had	have	VERB
fsr-3930	653	13	minimal	minimal	ADJ
fsr-3930	653	14	impact	impact	NOUN
fsr-3930	653	15	on	on	ADP
fsr-3930	653	16	the	the	DET
fsr-3930	653	17	strategic	strategic	ADJ
fsr-3930	653	18	asset	asset	NOUN
fsr-3930	653	19	allocation	allocation	NOUN
fsr-3930	653	20	.	.	PUNCT
fsr-3930	654	1	because	because	SCONJ
fsr-3930	654	2	social	social	ADJ
fsr-3930	654	3	security	security	NOUN
fsr-3930	654	4	replaces	replace	VERB
fsr-3930	654	5	more	more	ADJ
fsr-3930	654	6	income	income	NOUN
fsr-3930	654	7	for	for	ADP
fsr-3930	654	8	lower	low	ADJ
fsr-3930	654	9	income	income	NOUN
fsr-3930	654	10	workers	worker	NOUN
fsr-3930	654	11	,	,	PUNCT
fsr-3930	654	12	income	income	NOUN
fsr-3930	654	13	differences	difference	NOUN
fsr-3930	654	14	affect	affect	VERB
fsr-3930	654	15	the	the	DET
fsr-3930	654	16	asset	asset	NOUN
fsr-3930	654	17	mix	mix	NOUN
fsr-3930	654	18	decision	decision	NOUN
fsr-3930	654	19	more	more	ADJ
fsr-3930	654	20	than	than	ADP
fsr-3930	654	21	gender	gender	NOUN
fsr-3930	654	22	or	or	CCONJ
fsr-3930	654	23	retirement	retirement	NOUN
fsr-3930	654	24	-	-	PUNCT
fsr-3930	654	25	age	age	NOUN
fsr-3930	654	26	differences	difference	NOUN
fsr-3930	654	27	.	.	PUNCT
fsr-3930	655	1	even	even	ADV
fsr-3930	655	2	with	with	ADP
fsr-3930	655	3	income	income	NOUN
fsr-3930	655	4	differences	difference	NOUN
fsr-3930	655	5	,	,	PUNCT
fsr-3930	655	6	the	the	DET
fsr-3930	655	7	stock	stock	NOUN
fsr-3930	655	8	allocation	allocation	NOUN
fsr-3930	655	9	was	be	AUX
fsr-3930	655	10	within	within	ADP
fsr-3930	655	11	9	9	NUM
fsr-3930	655	12	%	%	NOUN
fsr-3930	655	13	of	of	ADP
fsr-3930	655	14	the	the	DET
fsr-3930	655	15	high	high	ADJ
fsr-3930	655	16	-	-	PUNCT
fsr-3930	655	17	earner	earner	NOUN
fsr-3930	655	18	base	base	NOUN
fsr-3930	655	19	case	case	NOUN
fsr-3930	655	20	in	in	ADP
fsr-3930	655	21	the	the	DET
fsr-3930	655	22	body	body	NOUN
fsr-3930	655	23	of	of	ADP
fsr-3930	655	24	the	the	DET
fsr-3930	655	25	paper	paper	NOUN
fsr-3930	655	26	.	.	PUNCT
fsr-3930	656	1	note	note	NOUN
fsr-3930	656	2	,	,	PUNCT
fsr-3930	656	3	crucially	crucially	ADV
fsr-3930	656	4	,	,	PUNCT
fsr-3930	656	5	that	that	SCONJ
fsr-3930	656	6	because	because	SCONJ
fsr-3930	656	7	social	social	ADJ
fsr-3930	656	8	security	security	NOUN
fsr-3930	656	9	replaces	replace	VERB
fsr-3930	656	10	more	more	ADJ
fsr-3930	656	11	income	income	NOUN
fsr-3930	656	12	for	for	ADP
fsr-3930	656	13	lower	low	ADJ
fsr-3930	656	14	income	income	NOUN
fsr-3930	656	15	workers	worker	NOUN
fsr-3930	656	16	,	,	PUNCT
fsr-3930	656	17	excluding	exclude	VERB
fsr-3930	656	18	social	social	ADJ
fsr-3930	656	19	security	security	NOUN
fsr-3930	656	20	wealth	wealth	NOUN
fsr-3930	656	21	is	be	AUX
fsr-3930	656	22	a	a	DET
fsr-3930	656	23	bigger	big	ADJ
fsr-3930	656	24	error	error	NOUN
fsr-3930	656	25	for	for	ADP
fsr-3930	656	26	them	they	PRON
fsr-3930	656	27	.	.	PUNCT
fsr-3930	657	1	thus	thus	ADV
fsr-3930	657	2	,	,	PUNCT
fsr-3930	657	3	focusing	focus	VERB
fsr-3930	657	4	on	on	ADP
fsr-3930	657	5	high	high	ADJ
fsr-3930	657	6	-	-	PUNCT
fsr-3930	657	7	earners	earner	NOUN
fsr-3930	657	8	in	in	ADP
fsr-3930	657	9	the	the	DET
fsr-3930	657	10	body	body	NOUN
fsr-3930	657	11	of	of	ADP
fsr-3930	657	12	the	the	DET
fsr-3930	657	13	paper	paper	NOUN
fsr-3930	657	14	is	be	AUX
fsr-3930	657	15	conservative	conservative	ADJ
fsr-3930	657	16	—	—	PUNCT
fsr-3930	657	17	it	it	PRON
fsr-3930	657	18	understates	understate	VERB
fsr-3930	657	19	the	the	DET
fsr-3930	657	20	case	case	NOUN
fsr-3930	657	21	for	for	ADP
fsr-3930	657	22	including	include	VERB
fsr-3930	657	23	social	social	ADJ
fsr-3930	657	24	security	security	NOUN
fsr-3930	657	25	wealth	wealth	NOUN
fsr-3930	657	26	.	.	PUNCT
fsr-3930	658	1	in	in	ADP
fsr-3930	658	2	short	short	ADJ
fsr-3930	658	3	,	,	PUNCT
fsr-3930	658	4	none	none	NOUN
fsr-3930	658	5	of	of	ADP
fsr-3930	658	6	the	the	DET
fsr-3930	658	7	generalized	generalize	VERB
fsr-3930	658	8	results	result	NOUN
fsr-3930	658	9	affects	affect	VERB
fsr-3930	658	10	the	the	DET
fsr-3930	658	11	conclusion	conclusion	NOUN
fsr-3930	658	12	that	that	SCONJ
fsr-3930	658	13	social	social	ADJ
fsr-3930	658	14	security	security	NOUN
fsr-3930	658	15	wealth	wealth	NOUN
fsr-3930	658	16	has	have	AUX
fsr-3930	658	17	a	a	DET
fsr-3930	658	18	dramatic	dramatic	ADJ
fsr-3930	658	19	impact	impact	NOUN
fsr-3930	658	20	on	on	ADP
fsr-3930	658	21	asset	asset	NOUN
fsr-3930	658	22	allocation	allocation	NOUN
fsr-3930	658	23	and	and	CCONJ
fsr-3930	658	24	should	should	AUX
fsr-3930	658	25	be	be	AUX
fsr-3930	658	26	included	include	VERB
fsr-3930	658	27	in	in	ADP
fsr-3930	658	28	strategic	strategic	ADJ
fsr-3930	658	29	asset	asset	NOUN
fsr-3930	658	30	allocation	allocation	NOUN
fsr-3930	658	31	.	.	PUNCT
fsr-3930	659	1	references	reference	NOUN
fsr-3930	659	2	bajtelsmit	bajtelsmit	VERB
fsr-3930	659	3	,	,	PUNCT
fsr-3930	659	4	v.	v.	PROPN
fsr-3930	659	5	l.	l.	PROPN
fsr-3930	659	6	,	,	PUNCT
fsr-3930	659	7	&	&	CCONJ
fsr-3930	659	8	turner	turner	PROPN
fsr-3930	659	9	,	,	PUNCT
fsr-3930	659	10	j.	j.	PROPN
fsr-3930	659	11	a.	a.	PROPN
fsr-3930	659	12	(	(	PUNCT
fsr-3930	659	13	1998	1998	NUM
fsr-3930	659	14	)	)	PUNCT
fsr-3930	659	15	.	.	PUNCT
fsr-3930	660	1	a	a	DET
fsr-3930	660	2	portfolio	portfolio	NOUN
fsr-3930	660	3	model	model	NOUN
fsr-3930	660	4	of	of	ADP
fsr-3930	660	5	retirement	retirement	NOUN
fsr-3930	660	6	income	income	NOUN
fsr-3930	660	7	including	include	VERB
fsr-3930	660	8	social	social	ADJ
fsr-3930	660	9	security	security	NOUN
fsr-3930	660	10	.	.	PUNCT
fsr-3930	661	1	working	work	VERB
fsr-3930	661	2	paper	paper	NOUN
fsr-3930	661	3	,	,	PUNCT
fsr-3930	661	4	colorado	colorado	PROPN
fsr-3930	661	5	state	state	PROPN
fsr-3930	661	6	university	university	PROPN
fsr-3930	661	7	.	.	PUNCT
fsr-3930	662	1	bodie	bodie	PROPN
fsr-3930	662	2	,	,	PUNCT
fsr-3930	662	3	z.	z.	PROPN
fsr-3930	662	4	(	(	PUNCT
fsr-3930	662	5	1990	1990	NUM
fsr-3930	662	6	)	)	PUNCT
fsr-3930	662	7	.	.	PUNCT
fsr-3930	663	1	inflation	inflation	NOUN
fsr-3930	663	2	,	,	PUNCT
fsr-3930	663	3	index	index	NOUN
fsr-3930	663	4	-	-	PUNCT
fsr-3930	663	5	linked	link	VERB
fsr-3930	663	6	bonds	bond	NOUN
fsr-3930	663	7	,	,	PUNCT
fsr-3930	663	8	and	and	CCONJ
fsr-3930	663	9	asset	asset	NOUN
fsr-3930	663	10	allocation	allocation	NOUN
fsr-3930	663	11	.	.	PUNCT
fsr-3930	664	1	the	the	DET
fsr-3930	664	2	journal	journal	PROPN
fsr-3930	664	3	of	of	ADP
fsr-3930	664	4	portfolio	portfolio	NOUN
fsr-3930	664	5	management	management	NOUN
fsr-3930	664	6	,	,	PUNCT
fsr-3930	664	7	winter	winter	NOUN
fsr-3930	664	8	,	,	PUNCT
fsr-3930	664	9	48–53	48–53	NOUN
fsr-3930	664	10	.	.	PUNCT
fsr-3930	665	1	bogle	bogle	PROPN
fsr-3930	665	2	,	,	PUNCT
fsr-3930	665	3	j.	j.	PROPN
fsr-3930	665	4	c.	c.	PROPN
fsr-3930	665	5	(	(	PUNCT
fsr-3930	665	6	1994	1994	NUM
fsr-3930	665	7	)	)	PUNCT
fsr-3930	665	8	.	.	PUNCT
fsr-3930	666	1	bogle	bogle	NOUN
fsr-3930	666	2	on	on	ADP
fsr-3930	666	3	mutual	mutual	ADJ
fsr-3930	666	4	funds	fund	NOUN
fsr-3930	666	5	.	.	PUNCT
fsr-3930	667	1	new	new	PROPN
fsr-3930	667	2	york	york	PROPN
fsr-3930	667	3	:	:	PUNCT
fsr-3930	667	4	irwin	irwin	PROPN
fsr-3930	667	5	press	press	PROPN
fsr-3930	667	6	.	.	PUNCT
fsr-3930	668	1	brinson	brinson	PROPN
fsr-3930	668	2	,	,	PUNCT
fsr-3930	668	3	g.	g.	PROPN
fsr-3930	668	4	p.	p.	PROPN
fsr-3930	668	5	,	,	PUNCT
fsr-3930	668	6	hood	hood	PROPN
fsr-3930	668	7	,	,	PUNCT
fsr-3930	668	8	l.	l.	PROPN
fsr-3930	668	9	r.	r.	PROPN
fsr-3930	668	10	,	,	PUNCT
fsr-3930	668	11	&	&	CCONJ
fsr-3930	668	12	beebower	beebower	PROPN
fsr-3930	668	13	,	,	PUNCT
fsr-3930	668	14	g.	g.	PROPN
fsr-3930	668	15	l.	l.	PROPN
fsr-3930	668	16	(	(	PUNCT
fsr-3930	668	17	1986	1986	NUM
fsr-3930	668	18	)	)	PUNCT
fsr-3930	668	19	.	.	PUNCT
fsr-3930	669	1	determinants	determinant	NOUN
fsr-3930	669	2	of	of	ADP
fsr-3930	669	3	portfolio	portfolio	NOUN
fsr-3930	669	4	performance	performance	NOUN
fsr-3930	669	5	.	.	PUNCT
fsr-3930	670	1	financial	financial	ADJ
fsr-3930	670	2	analysts	analyst	NOUN
fsr-3930	670	3	journal	journal	PROPN
fsr-3930	670	4	,	,	PUNCT
fsr-3930	670	5	july	july	PROPN
fsr-3930	670	6	/	/	SYM
fsr-3930	670	7	august	august	PROPN
fsr-3930	670	8	,	,	PUNCT
fsr-3930	670	9	39–44	39–44	NUM
fsr-3930	670	10	.	.	PUNCT
fsr-3930	670	11	324	324	NUM
fsr-3930	670	12	s.p	s.p	PROPN
fsr-3930	670	13	.	.	PROPN
fsr-3930	670	14	fraser	fraser	PROPN
fsr-3930	670	15	et	et	PROPN
fsr-3930	670	16	al	al	PROPN
fsr-3930	670	17	.	.	PUNCT
fsr-3930	670	18	/	/	SYM
fsr-3930	670	19	financial	financial	ADJ
fsr-3930	670	20	services	service	NOUN
fsr-3930	670	21	review	review	VERB
fsr-3930	670	22	9	9	NUM
fsr-3930	670	23	(	(	PUNCT
fsr-3930	670	24	2000	2000	NUM
fsr-3930	670	25	)	)	PUNCT
fsr-3930	671	1	295–326	295–326	NUM
fsr-3930	671	2	brynjolfsson	brynjolfsson	PROPN
fsr-3930	671	3	,	,	PUNCT
fsr-3930	671	4	j.	j.	PROPN
fsr-3930	671	5	,	,	PUNCT
fsr-3930	671	6	&	&	CCONJ
fsr-3930	671	7	fabozzi	fabozzi	PROPN
fsr-3930	671	8	,	,	PUNCT
fsr-3930	671	9	f.	f.	PROPN
fsr-3930	671	10	j.	j.	PROPN
fsr-3930	671	11	(	(	PUNCT
fsr-3930	671	12	eds	eds	PROPN
fsr-3930	671	13	.	.	PUNCT
fsr-3930	671	14	)	)	PUNCT
fsr-3930	671	15	(	(	PUNCT
fsr-3930	671	16	1999	1999	NUM
fsr-3930	671	17	)	)	PUNCT
fsr-3930	671	18	.	.	PUNCT
fsr-3930	672	1	handbook	handbook	NOUN
fsr-3930	672	2	of	of	ADP
fsr-3930	672	3	inflation	inflation	NOUN
fsr-3930	672	4	indexed	index	VERB
fsr-3930	672	5	bonds	bond	NOUN
fsr-3930	672	6	.	.	PUNCT
fsr-3930	673	1	new	new	ADJ
fsr-3930	673	2	hope	hope	NOUN
fsr-3930	673	3	,	,	PUNCT
fsr-3930	673	4	pa	pa	PROPN
fsr-3930	673	5	:	:	PUNCT
fsr-3930	673	6	frank	frank	PROPN
fsr-3930	673	7	j.	j.	PROPN
fsr-3930	673	8	fabozzi	fabozzi	PROPN
fsr-3930	673	9	associates	associates	PROPN
fsr-3930	673	10	.	.	PUNCT
fsr-3930	674	1	brynjolfsson	brynjolfsson	PROPN
fsr-3930	674	2	,	,	PUNCT
fsr-3930	674	3	j.	j.	PROPN
fsr-3930	674	4	,	,	PUNCT
fsr-3930	674	5	&	&	CCONJ
fsr-3930	674	6	rennie	rennie	PROPN
fsr-3930	674	7	,	,	PUNCT
fsr-3930	674	8	e.	e.	PROPN
fsr-3930	674	9	p.	p.	PROPN
fsr-3930	674	10	(	(	PUNCT
fsr-3930	674	11	1999	1999	NUM
fsr-3930	674	12	)	)	PUNCT
fsr-3930	674	13	.	.	PUNCT
fsr-3930	675	1	asset	asset	NOUN
fsr-3930	675	2	allocation	allocation	NOUN
fsr-3930	675	3	with	with	ADP
fsr-3930	675	4	tips	tip	NOUN
fsr-3930	675	5	.	.	PUNCT
fsr-3930	676	1	in	in	ADP
fsr-3930	676	2	f.	f.	PROPN
fsr-3930	676	3	j.	j.	PROPN
fsr-3930	676	4	fabozzi	fabozzi	PROPN
fsr-3930	676	5	(	(	PUNCT
fsr-3930	676	6	eds	ed	NOUN
fsr-3930	676	7	.	.	PUNCT
fsr-3930	676	8	)	)	PUNCT
fsr-3930	676	9	,	,	PUNCT
fsr-3930	676	10	handbook	handbook	NOUN
fsr-3930	676	11	of	of	ADP
fsr-3930	676	12	inflation	inflation	NOUN
fsr-3930	676	13	indexed	index	VERB
fsr-3930	676	14	bonds	bond	NOUN
fsr-3930	676	15	.	.	PUNCT
fsr-3930	677	1	new	new	ADJ
fsr-3930	677	2	hope	hope	NOUN
fsr-3930	677	3	,	,	PUNCT
fsr-3930	677	4	pa	pa	PROPN
fsr-3930	677	5	:	:	PUNCT
fsr-3930	677	6	frank	frank	PROPN
fsr-3930	677	7	j.	j.	PROPN
fsr-3930	677	8	fabozzi	fabozzi	PROPN
fsr-3930	677	9	associates	associates	PROPN
fsr-3930	677	10	.	.	PUNCT
fsr-3930	678	1	chen	chen	PROPN
fsr-3930	678	2	,	,	PUNCT
fsr-3930	678	3	p.	p.	PROPN
fsr-3930	678	4	,	,	PUNCT
fsr-3930	678	5	&	&	CCONJ
fsr-3930	678	6	terrien	terrien	PROPN
fsr-3930	678	7	,	,	PUNCT
fsr-3930	678	8	m.	m.	NOUN
fsr-3930	678	9	(	(	PUNCT
fsr-3930	678	10	1999	1999	NUM
fsr-3930	678	11	)	)	PUNCT
fsr-3930	678	12	.	.	PUNCT
fsr-3930	679	1	tips	tip	NOUN
fsr-3930	679	2	as	as	ADP
fsr-3930	679	3	an	an	DET
fsr-3930	679	4	asset	asset	NOUN
fsr-3930	679	5	class	class	NOUN
fsr-3930	679	6	.	.	PUNCT
fsr-3930	680	1	working	working	NOUN
fsr-3930	680	2	paper	paper	NOUN
fsr-3930	680	3	,	,	PUNCT
fsr-3930	680	4	chicago	chicago	PROPN
fsr-3930	680	5	:	:	PUNCT
fsr-3930	680	6	ibbotson	ibbotson	PROPN
fsr-3930	680	7	associates	associates	PROPN
fsr-3930	680	8	.	.	PUNCT
fsr-3930	681	1	clements	clements	PROPN
fsr-3930	681	2	,	,	PUNCT
fsr-3930	681	3	j.	j.	PROPN
fsr-3930	681	4	(	(	PUNCT
fsr-3930	681	5	1998	1998	NUM
fsr-3930	681	6	)	)	PUNCT
fsr-3930	681	7	.	.	PUNCT
fsr-3930	682	1	25	25	NUM
fsr-3930	682	2	myths	myth	NOUN
fsr-3930	682	3	you	you	PRON
fsr-3930	682	4	’ve	’ve	AUX
fsr-3930	682	5	got	get	VERB
fsr-3930	682	6	to	to	PART
fsr-3930	682	7	avoid	avoid	VERB
fsr-3930	682	8	if	if	SCONJ
fsr-3930	682	9	you	you	PRON
fsr-3930	682	10	want	want	VERB
fsr-3930	682	11	to	to	PART
fsr-3930	682	12	manage	manage	VERB
fsr-3930	682	13	your	your	PRON
fsr-3930	682	14	money	money	NOUN
fsr-3930	682	15	right	right	ADJ
fsr-3930	682	16	.	.	PUNCT
fsr-3930	683	1	new	new	PROPN
fsr-3930	683	2	york	york	PROPN
fsr-3930	683	3	:	:	PUNCT
fsr-3930	683	4	simon	simon	PROPN
fsr-3930	683	5	&	&	CCONJ
fsr-3930	683	6	schuster	schuster	PROPN
fsr-3930	683	7	.	.	PUNCT
fsr-3930	684	1	congress	congress	PROPN
fsr-3930	684	2	(	(	PUNCT
fsr-3930	684	3	1996	1996	NUM
fsr-3930	684	4	)	)	PUNCT
fsr-3930	684	5	.	.	PUNCT
fsr-3930	685	1	overview	overview	NOUN
fsr-3930	685	2	of	of	ADP
fsr-3930	685	3	entitlement	entitlement	NOUN
fsr-3930	685	4	programs	program	NOUN
fsr-3930	685	5	:	:	PUNCT
fsr-3930	685	6	1996	1996	NUM
fsr-3930	685	7	green	green	ADJ
fsr-3930	685	8	book	book	NOUN
fsr-3930	685	9	.	.	PUNCT
fsr-3930	686	1	house	house	PROPN
fsr-3930	686	2	,	,	PUNCT
fsr-3930	686	3	committee	committee	NOUN
fsr-3930	686	4	on	on	ADP
fsr-3930	686	5	ways	way	NOUN
fsr-3930	686	6	and	and	CCONJ
fsr-3930	686	7	means	mean	NOUN
fsr-3930	686	8	.	.	PUNCT
fsr-3930	687	1	washington	washington	PROPN
fsr-3930	687	2	,	,	PUNCT
fsr-3930	687	3	dc	dc	PROPN
fsr-3930	687	4	:	:	PUNCT
fsr-3930	687	5	u.s	u.s	PROPN
fsr-3930	687	6	.	.	PROPN
fsr-3930	687	7	government	government	NOUN
fsr-3930	687	8	printing	printing	NOUN
fsr-3930	687	9	office	office	NOUN
fsr-3930	687	10	.	.	PUNCT
fsr-3930	688	1	cornell	cornell	PROPN
fsr-3930	688	2	,	,	PUNCT
fsr-3930	688	3	b.	b.	PROPN
fsr-3930	688	4	(	(	PUNCT
fsr-3930	688	5	1999	1999	NUM
fsr-3930	688	6	)	)	PUNCT
fsr-3930	688	7	.	.	PUNCT
fsr-3930	689	1	the	the	DET
fsr-3930	689	2	equity	equity	NOUN
fsr-3930	689	3	risk	risk	NOUN
fsr-3930	689	4	premium	premium	NOUN
fsr-3930	689	5	:	:	PUNCT
fsr-3930	689	6	the	the	DET
fsr-3930	689	7	long	long	ADV
fsr-3930	689	8	-	-	PUNCT
fsr-3930	689	9	run	run	VERB
fsr-3930	689	10	future	future	NOUN
fsr-3930	689	11	of	of	ADP
fsr-3930	689	12	the	the	DET
fsr-3930	689	13	stock	stock	NOUN
fsr-3930	689	14	market	market	NOUN
fsr-3930	689	15	.	.	PUNCT
fsr-3930	690	1	new	new	PROPN
fsr-3930	690	2	york	york	PROPN
fsr-3930	690	3	:	:	PUNCT
fsr-3930	690	4	john	john	PROPN
fsr-3930	690	5	wiley	wiley	PROPN
fsr-3930	690	6	&	&	CCONJ
fsr-3930	690	7	sons	son	NOUN
fsr-3930	690	8	.	.	PUNCT
fsr-3930	691	1	dalio	dalio	PROPN
fsr-3930	691	2	,	,	PUNCT
fsr-3930	691	3	r.	r.	PROPN
fsr-3930	691	4	t.	t.	PROPN
fsr-3930	691	5	,	,	PUNCT
fsr-3930	691	6	&	&	CCONJ
fsr-3930	691	7	bernstein	bernstein	PROPN
fsr-3930	691	8	,	,	PUNCT
fsr-3930	691	9	d.	d.	PROPN
fsr-3930	691	10	s.	s.	PROPN
fsr-3930	691	11	(	(	PUNCT
fsr-3930	691	12	1999	1999	NUM
fsr-3930	691	13	)	)	PUNCT
fsr-3930	691	14	.	.	PUNCT
fsr-3930	692	1	shifting	shift	VERB
fsr-3930	692	2	the	the	DET
fsr-3930	692	3	efficient	efficient	ADJ
fsr-3930	692	4	frontier	frontier	NOUN
fsr-3930	692	5	with	with	ADP
fsr-3930	692	6	inflation	inflation	NOUN
fsr-3930	692	7	-	-	PUNCT
fsr-3930	692	8	indexed	index	VERB
fsr-3930	692	9	bonds	bond	NOUN
fsr-3930	692	10	.	.	PUNCT
fsr-3930	693	1	in	in	ADP
fsr-3930	693	2	j.	j.	PROPN
fsr-3930	693	3	brynjolfsson	brynjolfsson	PROPN
fsr-3930	693	4	&	&	CCONJ
fsr-3930	693	5	f.	f.	PROPN
fsr-3930	693	6	j.	j.	PROPN
fsr-3930	693	7	fabozzi	fabozzi	PROPN
fsr-3930	693	8	(	(	PUNCT
fsr-3930	693	9	eds	ed	NOUN
fsr-3930	693	10	.	.	PUNCT
fsr-3930	693	11	)	)	PUNCT
fsr-3930	693	12	.	.	PUNCT
fsr-3930	694	1	detweiler	detweiler	NOUN
fsr-3930	694	2	,	,	PUNCT
fsr-3930	694	3	j.	j.	PROPN
fsr-3930	694	4	h.	h.	PROPN
fsr-3930	694	5	(	(	PUNCT
fsr-3930	694	6	1999	1999	NUM
fsr-3930	694	7	)	)	PUNCT
fsr-3930	694	8	.	.	PUNCT
fsr-3930	695	1	a	a	DET
fsr-3930	695	2	note	note	NOUN
fsr-3930	695	3	on	on	ADP
fsr-3930	695	4	the	the	DET
fsr-3930	695	5	62–65	62–65	NUM
fsr-3930	695	6	social	social	ADJ
fsr-3930	695	7	security	security	NOUN
fsr-3930	695	8	decision	decision	NOUN
fsr-3930	695	9	.	.	PUNCT
fsr-3930	696	1	national	national	ADJ
fsr-3930	696	2	estimator	estimator	NOUN
fsr-3930	696	3	,	,	PUNCT
fsr-3930	696	4	spring	spring	NOUN
fsr-3930	696	5	,	,	PUNCT
fsr-3930	696	6	39–42	39–42	NUM
fsr-3930	696	7	.	.	PUNCT
fsr-3930	697	1	evensky	evensky	PROPN
fsr-3930	697	2	,	,	PUNCT
fsr-3930	697	3	h.	h.	PROPN
fsr-3930	697	4	(	(	PUNCT
fsr-3930	697	5	1997	1997	NUM
fsr-3930	697	6	)	)	PUNCT
fsr-3930	697	7	.	.	PUNCT
fsr-3930	698	1	wealth	wealth	NOUN
fsr-3930	698	2	management	management	NOUN
fsr-3930	698	3	:	:	PUNCT
fsr-3930	698	4	the	the	DET
fsr-3930	698	5	financial	financial	ADJ
fsr-3930	698	6	advisor	advisor	NOUN
fsr-3930	698	7	’s	’s	PART
fsr-3930	698	8	guide	guide	NOUN
fsr-3930	698	9	to	to	ADP
fsr-3930	698	10	investing	investing	NOUN
fsr-3930	698	11	and	and	CCONJ
fsr-3930	698	12	managing	manage	VERB
fsr-3930	698	13	client	client	NOUN
fsr-3930	698	14	assets	asset	NOUN
fsr-3930	698	15	.	.	PUNCT
fsr-3930	699	1	new	new	PROPN
fsr-3930	699	2	york	york	PROPN
fsr-3930	699	3	:	:	PUNCT
fsr-3930	699	4	mcgraw	mcgraw	PROPN
fsr-3930	699	5	-	-	PUNCT
fsr-3930	699	6	hill	hill	NOUN
fsr-3930	699	7	.	.	PUNCT
fsr-3930	700	1	feldstein	feldstein	PROPN
fsr-3930	700	2	,	,	PUNCT
fsr-3930	700	3	m.	m.	NOUN
fsr-3930	700	4	(	(	PUNCT
fsr-3930	700	5	1974	1974	NUM
fsr-3930	700	6	)	)	PUNCT
fsr-3930	700	7	.	.	PUNCT
fsr-3930	701	1	social	social	ADJ
fsr-3930	701	2	security	security	NOUN
fsr-3930	701	3	,	,	PUNCT
fsr-3930	701	4	induced	induce	VERB
fsr-3930	701	5	retirement	retirement	NOUN
fsr-3930	701	6	,	,	PUNCT
fsr-3930	701	7	and	and	CCONJ
fsr-3930	701	8	aggregate	aggregate	ADJ
fsr-3930	701	9	capital	capital	NOUN
fsr-3930	701	10	accumulation	accumulation	NOUN
fsr-3930	701	11	.	.	PUNCT
fsr-3930	702	1	journal	journal	NOUN
fsr-3930	702	2	of	of	ADP
fsr-3930	702	3	political	political	ADJ
fsr-3930	702	4	economy	economy	NOUN
fsr-3930	702	5	,	,	PUNCT
fsr-3930	702	6	82	82	NUM
fsr-3930	702	7	,	,	PUNCT
fsr-3930	702	8	1095–1117	1095–1117	NUM
fsr-3930	702	9	.	.	PUNCT
fsr-3930	703	1	fisher	fisher	PROPN
fsr-3930	703	2	,	,	PUNCT
fsr-3930	703	3	k.	k.	PROPN
fsr-3930	703	4	l.	l.	PROPN
fsr-3930	703	5	,	,	PUNCT
fsr-3930	703	6	&	&	CCONJ
fsr-3930	703	7	statman	statman	PROPN
fsr-3930	703	8	,	,	PUNCT
fsr-3930	703	9	m.	m.	NOUN
fsr-3930	703	10	(	(	PUNCT
fsr-3930	703	11	1997	1997	NUM
fsr-3930	703	12	)	)	PUNCT
fsr-3930	703	13	.	.	PUNCT
fsr-3930	704	1	investment	investment	NOUN
fsr-3930	704	2	advice	advice	NOUN
fsr-3930	704	3	from	from	ADP
fsr-3930	704	4	mutual	mutual	ADJ
fsr-3930	704	5	fund	fund	NOUN
fsr-3930	704	6	companies	company	NOUN
fsr-3930	704	7	:	:	PUNCT
fsr-3930	704	8	closer	close	ADV
fsr-3930	704	9	to	to	ADP
fsr-3930	704	10	the	the	DET
fsr-3930	704	11	talmud	talmud	NOUN
fsr-3930	704	12	than	than	ADP
fsr-3930	704	13	to	to	ADP
fsr-3930	704	14	markowitz	markowitz	PROPN
fsr-3930	704	15	.	.	PUNCT
fsr-3930	705	1	the	the	DET
fsr-3930	705	2	journal	journal	PROPN
fsr-3930	705	3	of	of	ADP
fsr-3930	705	4	portfolio	portfolio	NOUN
fsr-3930	705	5	management	management	NOUN
fsr-3930	705	6	,	,	PUNCT
fsr-3930	705	7	fall	fall	NOUN
fsr-3930	705	8	,	,	PUNCT
fsr-3930	705	9	9–25	9–25	NUM
fsr-3930	705	10	.	.	PUNCT
fsr-3930	706	1	gitman	gitman	PROPN
fsr-3930	706	2	,	,	PUNCT
fsr-3930	706	3	l.	l.	PROPN
fsr-3930	706	4	j.	j.	PROPN
fsr-3930	706	5	,	,	PUNCT
fsr-3930	706	6	&	&	CCONJ
fsr-3930	706	7	joehnk	joehnk	PROPN
fsr-3930	706	8	,	,	PUNCT
fsr-3930	706	9	m.	m.	PROPN
fsr-3930	706	10	d.	d.	PROPN
fsr-3930	706	11	(	(	PUNCT
fsr-3930	706	12	1999	1999	NUM
fsr-3930	706	13	)	)	PUNCT
fsr-3930	706	14	.	.	PUNCT
fsr-3930	707	1	personal	personal	ADJ
fsr-3930	707	2	financial	financial	ADJ
fsr-3930	707	3	planning	planning	NOUN
fsr-3930	707	4	(	(	PUNCT
fsr-3930	707	5	8th	8th	ADJ
fsr-3930	707	6	ed	ed	NOUN
fsr-3930	707	7	.	.	PUNCT
fsr-3930	707	8	)	)	PUNCT
fsr-3930	707	9	.	.	PUNCT
fsr-3930	708	1	fort	fort	NOUN
fsr-3930	708	2	worth	worth	ADJ
fsr-3930	708	3	:	:	PUNCT
fsr-3930	708	4	the	the	DET
fsr-3930	708	5	dryden	dryden	PROPN
fsr-3930	708	6	press	press	PROPN
fsr-3930	708	7	/	/	SYM
fsr-3930	708	8	harcourt	harcourt	PROPN
fsr-3930	708	9	brace	brace	PROPN
fsr-3930	708	10	college	college	NOUN
fsr-3930	708	11	publishers	publisher	NOUN
fsr-3930	708	12	.	.	PUNCT
fsr-3930	709	1	gutner	gutner	PROPN
fsr-3930	709	2	,	,	PUNCT
fsr-3930	709	3	t.	t.	PROPN
fsr-3930	709	4	(	(	PUNCT
fsr-3930	709	5	2000	2000	NUM
fsr-3930	709	6	,	,	PUNCT
fsr-3930	709	7	march	march	PROPN
fsr-3930	709	8	24	24	NUM
fsr-3930	709	9	)	)	PUNCT
fsr-3930	709	10	.	.	PUNCT
fsr-3930	710	1	investment	investment	NOUN
fsr-3930	710	2	strategies	strategy	NOUN
fsr-3930	710	3	that	that	PRON
fsr-3930	710	4	alter	alter	VERB
fsr-3930	710	5	as	as	ADP
fsr-3930	710	6	you	you	PRON
fsr-3930	710	7	age	age	NOUN
fsr-3930	710	8	.	.	PUNCT
fsr-3930	711	1	hers.online	hers.online	PROPN
fsr-3930	711	2	column	column	NOUN
fsr-3930	711	3	.	.	PUNCT
fsr-3930	712	1	available	available	ADJ
fsr-3930	712	2	at	at	ADP
fsr-3930	712	3	www.businessweek.com/bwdaily	www.businessweek.com/bwdaily	ADV
fsr-3930	712	4	.	.	PUNCT
fsr-3930	713	1	hubbard	hubbard	PROPN
fsr-3930	713	2	,	,	PUNCT
fsr-3930	713	3	r.	r.	PROPN
fsr-3930	713	4	g.	g.	PROPN
fsr-3930	713	5	(	(	PUNCT
fsr-3930	713	6	1985	1985	NUM
fsr-3930	713	7	)	)	PUNCT
fsr-3930	713	8	.	.	PUNCT
fsr-3930	714	1	personal	personal	ADJ
fsr-3930	714	2	taxation	taxation	NOUN
fsr-3930	714	3	,	,	PUNCT
fsr-3930	714	4	pension	pension	NOUN
fsr-3930	714	5	wealth	wealth	NOUN
fsr-3930	714	6	,	,	PUNCT
fsr-3930	714	7	and	and	CCONJ
fsr-3930	714	8	portfolio	portfolio	NOUN
fsr-3930	714	9	composition	composition	NOUN
fsr-3930	714	10	.	.	PUNCT
fsr-3930	715	1	review	review	NOUN
fsr-3930	715	2	of	of	ADP
fsr-3930	715	3	economics	economic	NOUN
fsr-3930	715	4	and	and	CCONJ
fsr-3930	715	5	statistics	statistic	NOUN
fsr-3930	715	6	,	,	PUNCT
fsr-3930	715	7	67	67	NUM
fsr-3930	715	8	,	,	PUNCT
fsr-3930	715	9	53–60	53–60	PROPN
fsr-3930	715	10	.	.	PUNCT
fsr-3930	715	11	ibbotson	ibbotson	PROPN
fsr-3930	715	12	associates	associates	PROPN
fsr-3930	715	13	.	.	PUNCT
fsr-3930	716	1	(	(	PUNCT
fsr-3930	716	2	1999	1999	NUM
fsr-3930	716	3	)	)	PUNCT
fsr-3930	716	4	.	.	PUNCT
fsr-3930	717	1	stocks	stock	NOUN
fsr-3930	717	2	,	,	PUNCT
fsr-3930	717	3	bonds	bond	NOUN
fsr-3930	717	4	,	,	PUNCT
fsr-3930	717	5	bills	bill	NOUN
fsr-3930	717	6	and	and	CCONJ
fsr-3930	717	7	inflation	inflation	NOUN
fsr-3930	717	8	1999	1999	NUM
fsr-3930	717	9	yearbook	yearbook	NOUN
fsr-3930	717	10	.	.	PUNCT
fsr-3930	718	1	chicago	chicago	PROPN
fsr-3930	718	2	:	:	PUNCT
fsr-3930	718	3	ibbotson	ibbotson	PROPN
fsr-3930	718	4	associates	associates	PROPN
fsr-3930	718	5	.	.	PUNCT
fsr-3930	719	1	internal	internal	ADJ
fsr-3930	719	2	revenue	revenue	NOUN
fsr-3930	719	3	service	service	NOUN
fsr-3930	719	4	(	(	PUNCT
fsr-3930	719	5	1997	1997	NUM
fsr-3930	719	6	)	)	PUNCT
fsr-3930	719	7	.	.	PUNCT
fsr-3930	720	1	general	general	ADJ
fsr-3930	720	2	rule	rule	NOUN
fsr-3930	720	3	for	for	ADP
fsr-3930	720	4	pensions	pension	NOUN
fsr-3930	720	5	and	and	CCONJ
fsr-3930	720	6	annuities	annuity	NOUN
fsr-3930	720	7	.	.	PUNCT
fsr-3930	721	1	(	(	PUNCT
fsr-3930	721	2	publication	publication	NOUN
fsr-3930	721	3	939	939	NUM
fsr-3930	721	4	,	,	PUNCT
fsr-3930	721	5	rev	rev	PROPN
fsr-3930	721	6	.	.	PROPN
fsr-3930	721	7	june	june	PROPN
fsr-3930	721	8	1997	1997	NUM
fsr-3930	721	9	.	.	PUNCT
fsr-3930	721	10	)	)	PUNCT
fsr-3930	722	1	kan	kan	PROPN
fsr-3930	722	2	,	,	PUNCT
fsr-3930	722	3	w.	w.	PROPN
fsr-3930	722	4	(	(	PUNCT
fsr-3930	722	5	1999	1999	NUM
fsr-3930	722	6	)	)	PUNCT
fsr-3930	722	7	.	.	PUNCT
fsr-3930	723	1	understanding	understand	VERB
fsr-3930	723	2	the	the	DET
fsr-3930	723	3	cpi	cpi	NOUN
fsr-3930	723	4	.	.	PUNCT
fsr-3930	724	1	in	in	ADP
fsr-3930	724	2	j.	j.	PROPN
fsr-3930	724	3	brynjolfsson	brynjolfsson	PROPN
fsr-3930	724	4	&	&	CCONJ
fsr-3930	724	5	f.	f.	PROPN
fsr-3930	724	6	j.	j.	PROPN
fsr-3930	724	7	fabozzi	fabozzi	PROPN
fsr-3930	724	8	(	(	PUNCT
fsr-3930	724	9	eds	ed	NOUN
fsr-3930	724	10	.	.	PUNCT
fsr-3930	724	11	)	)	PUNCT
fsr-3930	724	12	.	.	PUNCT
fsr-3930	725	1	kapoor	kapoor	PROPN
fsr-3930	725	2	,	,	PUNCT
fsr-3930	725	3	j.	j.	PROPN
fsr-3930	725	4	r.	r.	PROPN
fsr-3930	725	5	,	,	PUNCT
fsr-3930	725	6	dlabay	dlabay	PROPN
fsr-3930	725	7	,	,	PUNCT
fsr-3930	725	8	l.	l.	PROPN
fsr-3930	725	9	r.	r.	PROPN
fsr-3930	725	10	,	,	PUNCT
fsr-3930	725	11	&	&	CCONJ
fsr-3930	725	12	hughes	hughes	PROPN
fsr-3930	725	13	,	,	PUNCT
fsr-3930	725	14	r.	r.	PROPN
fsr-3930	725	15	j.	j.	PROPN
fsr-3930	725	16	(	(	PUNCT
fsr-3930	725	17	1999	1999	NUM
fsr-3930	725	18	)	)	PUNCT
fsr-3930	725	19	.	.	PUNCT
fsr-3930	726	1	personal	personal	ADJ
fsr-3930	726	2	finance	finance	NOUN
fsr-3930	726	3	(	(	PUNCT
fsr-3930	726	4	5th	5th	ADJ
fsr-3930	726	5	ed	ed	NOUN
fsr-3930	726	6	.	.	PUNCT
fsr-3930	726	7	)	)	PUNCT
fsr-3930	726	8	.	.	PUNCT
fsr-3930	727	1	boston	boston	PROPN
fsr-3930	727	2	:	:	PUNCT
fsr-3930	727	3	irwin	irwin	PROPN
fsr-3930	727	4	/	/	SYM
fsr-3930	727	5	mcgraw	mcgraw	PROPN
fsr-3930	727	6	-	-	PUNCT
fsr-3930	727	7	hill	hill	NOUN
fsr-3930	727	8	.	.	PUNCT
fsr-3930	728	1	kinney	kinney	PROPN
fsr-3930	728	2	,	,	PUNCT
fsr-3930	728	3	c.	c.	PROPN
fsr-3930	728	4	f.	f.	PROPN
fsr-3930	728	5	(	(	PUNCT
fsr-3930	728	6	1999	1999	NUM
fsr-3930	728	7	)	)	PUNCT
fsr-3930	728	8	.	.	PUNCT
fsr-3930	729	1	the	the	DET
fsr-3930	729	2	individual	individual	ADJ
fsr-3930	729	3	investor	investor	NOUN
fsr-3930	729	4	and	and	CCONJ
fsr-3930	729	5	inflation	inflation	NOUN
fsr-3930	729	6	-	-	PUNCT
fsr-3930	729	7	indexed	index	VERB
fsr-3930	729	8	bonds	bond	NOUN
fsr-3930	729	9	:	:	PUNCT
fsr-3930	729	10	tax	tax	NOUN
fsr-3930	729	11	issues	issue	NOUN
fsr-3930	729	12	and	and	CCONJ
fsr-3930	729	13	retirement	retirement	NOUN
fsr-3930	729	14	planning	planning	NOUN
fsr-3930	729	15	.	.	PUNCT
fsr-3930	730	1	in	in	ADP
fsr-3930	730	2	j.	j.	PROPN
fsr-3930	730	3	brynjolfsson	brynjolfsson	PROPN
fsr-3930	730	4	&	&	CCONJ
fsr-3930	730	5	f.	f.	PROPN
fsr-3930	730	6	j.	j.	PROPN
fsr-3930	730	7	fabozzi	fabozzi	PROPN
fsr-3930	730	8	(	(	PUNCT
fsr-3930	730	9	eds	ed	NOUN
fsr-3930	730	10	.	.	PUNCT
fsr-3930	730	11	)	)	PUNCT
fsr-3930	730	12	.	.	PUNCT
fsr-3930	731	1	kritzman	kritzman	NOUN
fsr-3930	731	2	,	,	PUNCT
fsr-3930	731	3	m.	m.	NOUN
fsr-3930	731	4	(	(	PUNCT
fsr-3930	731	5	1992	1992	NUM
fsr-3930	731	6	)	)	PUNCT
fsr-3930	731	7	.	.	PUNCT
fsr-3930	732	1	asset	asset	NOUN
fsr-3930	732	2	allocation	allocation	NOUN
fsr-3930	732	3	for	for	ADP
fsr-3930	732	4	individual	individual	ADJ
fsr-3930	732	5	investors	investor	NOUN
fsr-3930	732	6	.	.	PUNCT
fsr-3930	733	1	financial	financial	ADJ
fsr-3930	733	2	analysts	analyst	NOUN
fsr-3930	733	3	journal	journal	NOUN
fsr-3930	733	4	,	,	PUNCT
fsr-3930	733	5	january	january	PROPN
fsr-3930	733	6	-	-	PUNCT
fsr-3930	733	7	february	february	PROPN
fsr-3930	733	8	,	,	PUNCT
fsr-3930	733	9	12–13	12–13	NUM
fsr-3930	733	10	.	.	PUNCT
fsr-3930	734	1	lamm	lamm	PROPN
fsr-3930	734	2	,	,	PUNCT
fsr-3930	734	3	r.	r.	PROPN
fsr-3930	734	4	m.	m.	PROPN
fsr-3930	734	5	(	(	PUNCT
fsr-3930	734	6	1998	1998	NUM
fsr-3930	734	7	)	)	PUNCT
fsr-3930	734	8	.	.	PUNCT
fsr-3930	735	1	asset	asset	NOUN
fsr-3930	735	2	allocation	allocation	NOUN
fsr-3930	735	3	implication	implication	NOUN
fsr-3930	735	4	of	of	ADP
fsr-3930	735	5	inflation	inflation	NOUN
fsr-3930	735	6	protection	protection	NOUN
fsr-3930	735	7	securities	security	NOUN
fsr-3930	735	8	.	.	PUNCT
fsr-3930	736	1	the	the	DET
fsr-3930	736	2	journal	journal	PROPN
fsr-3930	736	3	of	of	ADP
fsr-3930	736	4	portfolio	portfolio	NOUN
fsr-3930	736	5	management	management	NOUN
fsr-3930	736	6	,	,	PUNCT
fsr-3930	736	7	summer	summer	NOUN
fsr-3930	736	8	,	,	PUNCT
fsr-3930	736	9	93–100	93–100	PROPN
fsr-3930	736	10	.	.	PUNCT
fsr-3930	736	11	leimer	leimer	PROPN
fsr-3930	736	12	,	,	PUNCT
fsr-3930	736	13	d.	d.	PROPN
fsr-3930	736	14	r.	r.	PROPN
fsr-3930	736	15	(	(	PUNCT
fsr-3930	736	16	1995	1995	NUM
fsr-3930	736	17	)	)	PUNCT
fsr-3930	736	18	.	.	PUNCT
fsr-3930	737	1	a	a	DET
fsr-3930	737	2	guide	guide	NOUN
fsr-3930	737	3	to	to	ADP
fsr-3930	737	4	social	social	ADJ
fsr-3930	737	5	security	security	NOUN
fsr-3930	737	6	money	money	NOUN
fsr-3930	737	7	’s	’s	PART
fsr-3930	737	8	worth	worth	ADJ
fsr-3930	737	9	issues	issue	NOUN
fsr-3930	737	10	.	.	PUNCT
fsr-3930	738	1	social	social	ADJ
fsr-3930	738	2	security	security	NOUN
fsr-3930	738	3	bulletin	bulletin	NOUN
fsr-3930	738	4	,	,	PUNCT
fsr-3930	738	5	67	67	NUM
fsr-3930	738	6	,	,	PUNCT
fsr-3930	738	7	24–34	24–34	NUM
fsr-3930	738	8	.	.	PUNCT
fsr-3930	738	9	maginn	maginn	PROPN
fsr-3930	738	10	,	,	PUNCT
fsr-3930	738	11	j.	j.	PROPN
fsr-3930	738	12	l.	l.	PROPN
fsr-3930	738	13	,	,	PUNCT
fsr-3930	738	14	&	&	CCONJ
fsr-3930	738	15	tuttle	tuttle	PROPN
fsr-3930	738	16	,	,	PUNCT
fsr-3930	738	17	d.	d.	PROPN
fsr-3930	738	18	l.	l.	PROPN
fsr-3930	738	19	(	(	PUNCT
fsr-3930	738	20	eds	eds	PROPN
fsr-3930	738	21	.	.	PUNCT
fsr-3930	738	22	)	)	PUNCT
fsr-3930	739	1	(	(	PUNCT
fsr-3930	739	2	1990	1990	NUM
fsr-3930	739	3	)	)	PUNCT
fsr-3930	739	4	.	.	PUNCT
fsr-3930	740	1	managing	manage	VERB
fsr-3930	740	2	investment	investment	NOUN
fsr-3930	740	3	portfolios	portfolio	NOUN
fsr-3930	740	4	(	(	PUNCT
fsr-3930	740	5	2nd	2nd	ADJ
fsr-3930	740	6	ed	ed	NOUN
fsr-3930	740	7	.	.	PUNCT
fsr-3930	740	8	)	)	PUNCT
fsr-3930	740	9	.	.	PUNCT
fsr-3930	741	1	charlottesville	charlottesville	PROPN
fsr-3930	741	2	,	,	PUNCT
fsr-3930	741	3	va	va	PROPN
fsr-3930	741	4	:	:	PUNCT
fsr-3930	741	5	association	association	NOUN
fsr-3930	741	6	for	for	ADP
fsr-3930	741	7	investment	investment	NOUN
fsr-3930	741	8	management	management	NOUN
fsr-3930	741	9	and	and	CCONJ
fsr-3930	741	10	research	research	NOUN
fsr-3930	741	11	.	.	PUNCT
fsr-3930	742	1	malkiel	malkiel	PROPN
fsr-3930	742	2	,	,	PUNCT
fsr-3930	742	3	b.	b.	PROPN
fsr-3930	742	4	g.	g.	PROPN
fsr-3930	742	5	(	(	PUNCT
fsr-3930	742	6	1996	1996	NUM
fsr-3930	742	7	)	)	PUNCT
fsr-3930	742	8	.	.	PUNCT
fsr-3930	743	1	a	a	DET
fsr-3930	743	2	random	random	ADJ
fsr-3930	743	3	walk	walk	NOUN
fsr-3930	743	4	down	down	ADP
fsr-3930	743	5	wall	wall	PROPN
fsr-3930	743	6	street	street	PROPN
fsr-3930	743	7	:	:	PUNCT
fsr-3930	743	8	including	include	VERB
fsr-3930	743	9	a	a	DET
fsr-3930	743	10	life	life	NOUN
fsr-3930	743	11	-	-	PUNCT
fsr-3930	743	12	cycle	cycle	NOUN
fsr-3930	743	13	guide	guide	NOUN
fsr-3930	743	14	to	to	ADP
fsr-3930	743	15	personal	personal	ADJ
fsr-3930	743	16	investing	investing	NOUN
fsr-3930	743	17	(	(	PUNCT
fsr-3930	743	18	6th	6th	ADJ
fsr-3930	743	19	ed	ed	NOUN
fsr-3930	743	20	.	.	PUNCT
fsr-3930	743	21	)	)	PUNCT
fsr-3930	743	22	.	.	PUNCT
fsr-3930	744	1	new	new	PROPN
fsr-3930	744	2	york	york	PROPN
fsr-3930	744	3	:	:	PUNCT
fsr-3930	744	4	w.	w.	PROPN
fsr-3930	744	5	w.	w.	PROPN
fsr-3930	744	6	norton	norton	PROPN
fsr-3930	744	7	and	and	CCONJ
fsr-3930	744	8	company	company	NOUN
fsr-3930	744	9	.	.	PUNCT
fsr-3930	745	1	markowitz	markowitz	PROPN
fsr-3930	745	2	,	,	PUNCT
fsr-3930	745	3	h.	h.	PROPN
fsr-3930	745	4	(	(	PUNCT
fsr-3930	745	5	1959	1959	NUM
fsr-3930	745	6	)	)	PUNCT
fsr-3930	745	7	.	.	PUNCT
fsr-3930	746	1	portfolio	portfolio	NOUN
fsr-3930	746	2	selection	selection	NOUN
fsr-3930	746	3	:	:	PUNCT
fsr-3930	746	4	diversification	diversification	NOUN
fsr-3930	746	5	of	of	ADP
fsr-3930	746	6	investments	investment	NOUN
fsr-3930	746	7	.	.	PUNCT
fsr-3930	747	1	new	new	PROPN
fsr-3930	747	2	york	york	PROPN
fsr-3930	747	3	:	:	PUNCT
fsr-3930	747	4	john	john	PROPN
fsr-3930	747	5	wiley	wiley	PROPN
fsr-3930	747	6	and	and	CCONJ
fsr-3930	747	7	sons	son	NOUN
fsr-3930	747	8	.	.	PUNCT
fsr-3930	748	1	munnell	munnell	PROPN
fsr-3930	748	2	,	,	PUNCT
fsr-3930	748	3	a.	a.	NOUN
fsr-3930	748	4	h.	h.	PROPN
fsr-3930	748	5	(	(	PUNCT
fsr-3930	748	6	1998	1998	NUM
fsr-3930	748	7	)	)	PUNCT
fsr-3930	748	8	.	.	PUNCT
fsr-3930	749	1	rates	rate	NOUN
fsr-3930	749	2	of	of	ADP
fsr-3930	749	3	return	return	NOUN
fsr-3930	749	4	on	on	ADP
fsr-3930	749	5	social	social	ADJ
fsr-3930	749	6	security	security	NOUN
fsr-3930	749	7	contributions	contribution	NOUN
fsr-3930	749	8	.	.	PUNCT
fsr-3930	750	1	testimony	testimony	NOUN
fsr-3930	750	2	before	before	ADP
fsr-3930	750	3	the	the	DET
fsr-3930	750	4	budget	budget	PROPN
fsr-3930	750	5	committee	committee	PROPN
fsr-3930	750	6	task	task	PROPN
fsr-3930	750	7	force	force	NOUN
fsr-3930	750	8	on	on	ADP
fsr-3930	750	9	social	social	ADJ
fsr-3930	750	10	security	security	NOUN
fsr-3930	750	11	,	,	PUNCT
fsr-3930	750	12	u.s	u.s	PROPN
fsr-3930	750	13	.	.	PROPN
fsr-3930	750	14	senate	senate	PROPN
fsr-3930	750	15	.	.	PUNCT
fsr-3930	751	1	january	january	PROPN
fsr-3930	751	2	21	21	NUM
fsr-3930	751	3	,	,	PUNCT
fsr-3930	751	4	1998	1998	NUM
fsr-3930	751	5	.	.	PUNCT
fsr-3930	752	1	available	available	ADJ
fsr-3930	752	2	at	at	ADP
fsr-3930	752	3	www.socsec.org	www.socsec.org	PROPN
fsr-3930	752	4	.	.	PUNCT
fsr-3930	753	1	newmark	newmark	PROPN
fsr-3930	753	2	,	,	PUNCT
fsr-3930	753	3	c.	c.	PROPN
fsr-3930	753	4	m.	m.	PROPN
fsr-3930	753	5	,	,	PUNCT
fsr-3930	753	6	&	&	CCONJ
fsr-3930	753	7	walden	walden	PROPN
fsr-3930	753	8	,	,	PUNCT
fsr-3930	753	9	m.	m.	NOUN
fsr-3930	753	10	(	(	PUNCT
fsr-3930	753	11	1995	1995	NUM
fsr-3930	753	12	)	)	PUNCT
fsr-3930	753	13	.	.	PUNCT
fsr-3930	754	1	should	should	AUX
fsr-3930	754	2	you	you	PRON
fsr-3930	754	3	retire	retire	VERB
fsr-3930	754	4	at	at	ADP
fsr-3930	754	5	age	age	NOUN
fsr-3930	754	6	62	62	NUM
fsr-3930	754	7	or	or	CCONJ
fsr-3930	754	8	65	65	NUM
fsr-3930	754	9	?	?	PUNCT
fsr-3930	755	1	financial	financial	ADJ
fsr-3930	755	2	counseling	counseling	NOUN
fsr-3930	755	3	and	and	CCONJ
fsr-3930	755	4	planning	planning	NOUN
fsr-3930	755	5	,	,	PUNCT
fsr-3930	755	6	6	6	NUM
fsr-3930	755	7	,	,	PUNCT
fsr-3930	755	8	35–44	35–44	NUM
fsr-3930	755	9	.	.	PUNCT
fsr-3930	755	10	phoa	phoa	NOUN
fsr-3930	755	11	,	,	PUNCT
fsr-3930	755	12	w.	w.	PROPN
fsr-3930	755	13	(	(	PUNCT
fsr-3930	755	14	1999	1999	NUM
fsr-3930	755	15	)	)	PUNCT
fsr-3930	755	16	.	.	PUNCT
fsr-3930	756	1	quantitative	quantitative	ADJ
fsr-3930	756	2	approaches	approach	NOUN
fsr-3930	756	3	to	to	ADP
fsr-3930	756	4	inflation	inflation	NOUN
fsr-3930	756	5	-	-	PUNCT
fsr-3930	756	6	indexed	index	VERB
fsr-3930	756	7	bonds	bond	NOUN
fsr-3930	756	8	.	.	PUNCT
fsr-3930	757	1	in	in	ADP
fsr-3930	757	2	j.	j.	PROPN
fsr-3930	757	3	brynjolfsson	brynjolfsson	PROPN
fsr-3930	757	4	&	&	CCONJ
fsr-3930	757	5	f.	f.	PROPN
fsr-3930	757	6	j.	j.	PROPN
fsr-3930	757	7	fabozzi	fabozzi	PROPN
fsr-3930	757	8	(	(	PUNCT
fsr-3930	757	9	eds	ed	NOUN
fsr-3930	757	10	.	.	PUNCT
fsr-3930	757	11	)	)	PUNCT
fsr-3930	757	12	.	.	PUNCT
fsr-3930	758	1	pratt	pratt	PROPN
fsr-3930	758	2	,	,	PUNCT
fsr-3930	758	3	s.	s.	PROPN
fsr-3930	758	4	p.	p.	PROPN
fsr-3930	758	5	,	,	PUNCT
fsr-3930	758	6	reilly	reilly	PROPN
fsr-3930	758	7	,	,	PUNCT
fsr-3930	758	8	r.	r.	PROPN
fsr-3930	758	9	f.	f.	PROPN
fsr-3930	758	10	,	,	PUNCT
fsr-3930	758	11	&	&	CCONJ
fsr-3930	758	12	schweihs	schweihs	NOUN
fsr-3930	758	13	,	,	PUNCT
fsr-3930	758	14	r.	r.	PROPN
fsr-3930	758	15	p.	p.	PROPN
fsr-3930	758	16	(	(	PUNCT
fsr-3930	758	17	1996	1996	NUM
fsr-3930	758	18	)	)	PUNCT
fsr-3930	758	19	.	.	PUNCT
fsr-3930	759	1	valuing	value	VERB
fsr-3930	759	2	a	a	DET
fsr-3930	759	3	business	business	NOUN
fsr-3930	759	4	.	.	PUNCT
fsr-3930	760	1	new	new	PROPN
fsr-3930	760	2	york	york	PROPN
fsr-3930	760	3	:	:	PUNCT
fsr-3930	760	4	mcgraw	mcgraw	PROPN
fsr-3930	760	5	-	-	PUNCT
fsr-3930	760	6	hill	hill	NOUN
fsr-3930	760	7	.	.	PUNCT
fsr-3930	761	1	reichenstein	reichenstein	PROPN
fsr-3930	761	2	,	,	PUNCT
fsr-3930	761	3	w.	w.	PROPN
fsr-3930	761	4	(	(	PUNCT
fsr-3930	761	5	1996	1996	NUM
fsr-3930	761	6	)	)	PUNCT
fsr-3930	761	7	.	.	PUNCT
fsr-3930	762	1	basic	basic	ADJ
fsr-3930	762	2	truths	truth	NOUN
fsr-3930	762	3	about	about	ADP
fsr-3930	762	4	asset	asset	NOUN
fsr-3930	762	5	allocation	allocation	NOUN
fsr-3930	762	6	:	:	PUNCT
fsr-3930	762	7	a	a	DET
fsr-3930	762	8	consensus	consensus	NOUN
fsr-3930	762	9	view	view	NOUN
fsr-3930	762	10	among	among	ADP
fsr-3930	762	11	the	the	DET
fsr-3930	762	12	experts	expert	NOUN
fsr-3930	762	13	.	.	PUNCT
fsr-3930	763	1	aaii	aaii	PROPN
fsr-3930	763	2	journal	journal	PROPN
fsr-3930	763	3	,	,	PUNCT
fsr-3930	763	4	october	october	PROPN
fsr-3930	763	5	,	,	PUNCT
fsr-3930	763	6	1996	1996	NUM
fsr-3930	763	7	.	.	PUNCT
fsr-3930	764	1	reichenstein	reichenstein	PROPN
fsr-3930	764	2	,	,	PUNCT
fsr-3930	764	3	w.	w.	PROPN
fsr-3930	764	4	(	(	PUNCT
fsr-3930	764	5	1998	1998	NUM
fsr-3930	764	6	)	)	PUNCT
fsr-3930	764	7	.	.	PUNCT
fsr-3930	765	1	calculating	calculate	VERB
fsr-3930	765	2	a	a	DET
fsr-3930	765	3	family	family	NOUN
fsr-3930	765	4	’s	’s	PART
fsr-3930	765	5	asset	asset	NOUN
fsr-3930	765	6	mix	mix	NOUN
fsr-3930	765	7	.	.	PUNCT
fsr-3930	766	1	financial	financial	ADJ
fsr-3930	766	2	services	service	NOUN
fsr-3930	766	3	review	review	PROPN
fsr-3930	766	4	,	,	PUNCT
fsr-3930	766	5	7	7	NUM
fsr-3930	766	6	(	(	PUNCT
fsr-3930	766	7	3	3	NUM
fsr-3930	766	8	)	)	PUNCT
fsr-3930	766	9	,	,	PUNCT
fsr-3930	766	10	195–206	195–206	NUM
fsr-3930	766	11	.	.	PUNCT
fsr-3930	767	1	325s.p	325s.p	NUM
fsr-3930	767	2	.	.	PUNCT
fsr-3930	768	1	fraser	fraser	PROPN
fsr-3930	768	2	et	et	PROPN
fsr-3930	768	3	al	al	PROPN
fsr-3930	768	4	.	.	PUNCT
fsr-3930	768	5	/	/	SYM
fsr-3930	768	6	financial	financial	ADJ
fsr-3930	768	7	services	service	NOUN
fsr-3930	768	8	review	review	VERB
fsr-3930	768	9	9	9	NUM
fsr-3930	768	10	(	(	PUNCT
fsr-3930	768	11	2000	2000	NUM
fsr-3930	768	12	)	)	PUNCT
fsr-3930	769	1	295–326	295–326	NUM
fsr-3930	769	2	reichenstein	reichenstein	NOUN
fsr-3930	769	3	,	,	PUNCT
fsr-3930	769	4	w.	w.	PROPN
fsr-3930	769	5	(	(	PUNCT
fsr-3930	769	6	2000	2000	NUM
fsr-3930	769	7	)	)	PUNCT
fsr-3930	769	8	.	.	PUNCT
fsr-3930	770	1	calculating	calculate	VERB
fsr-3930	770	2	the	the	DET
fsr-3930	770	3	asset	asset	NOUN
fsr-3930	770	4	mix	mix	NOUN
fsr-3930	770	5	.	.	PUNCT
fsr-3930	771	1	journal	journal	NOUN
fsr-3930	771	2	of	of	ADP
fsr-3930	771	3	wealth	wealth	NOUN
fsr-3930	771	4	management	management	NOUN
fsr-3930	771	5	,	,	PUNCT
fsr-3930	771	6	3	3	NUM
fsr-3930	771	7	(	(	PUNCT
fsr-3930	771	8	2	2	NUM
fsr-3930	771	9	)	)	PUNCT
fsr-3930	771	10	,	,	PUNCT
fsr-3930	771	11	20–25	20–25	NUM
fsr-3930	771	12	.	.	PUNCT
fsr-3930	772	1	rosenman	rosenman	NOUN
fsr-3930	772	2	,	,	PUNCT
fsr-3930	772	3	r.	r.	PROPN
fsr-3930	772	4	,	,	PUNCT
fsr-3930	772	5	&	&	CCONJ
fsr-3930	772	6	fort	fort	PROPN
fsr-3930	772	7	,	,	PUNCT
fsr-3930	772	8	r.	r.	PROPN
fsr-3930	772	9	(	(	PUNCT
fsr-3930	772	10	1992	1992	NUM
fsr-3930	772	11	)	)	PUNCT
fsr-3930	772	12	.	.	PUNCT
fsr-3930	773	1	the	the	DET
fsr-3930	773	2	correct	correct	ADJ
fsr-3930	773	3	value	value	NOUN
fsr-3930	773	4	of	of	ADP
fsr-3930	773	5	social	social	ADJ
fsr-3930	773	6	security	security	NOUN
fsr-3930	773	7	contributions	contribution	NOUN
fsr-3930	773	8	in	in	ADP
fsr-3930	773	9	personal	personal	ADJ
fsr-3930	773	10	injury	injury	NOUN
fsr-3930	773	11	and	and	CCONJ
fsr-3930	773	12	wrongful	wrongful	ADJ
fsr-3930	773	13	death	death	NOUN
fsr-3930	773	14	settlements	settlement	NOUN
fsr-3930	773	15	.	.	PUNCT
fsr-3930	774	1	journal	journal	NOUN
fsr-3930	774	2	of	of	ADP
fsr-3930	774	3	forensic	forensic	ADJ
fsr-3930	774	4	economics	economic	NOUN
fsr-3930	774	5	,	,	PUNCT
fsr-3930	774	6	5	5	NUM
fsr-3930	774	7	,	,	PUNCT
fsr-3930	774	8	149–158	149–158	NUM
fsr-3930	774	9	.	.	PUNCT
fsr-3930	775	1	rudolph	rudolph	NOUN
fsr-3930	775	2	-	-	PUNCT
fsr-3930	775	3	shabinsky	shabinsky	PROPN
fsr-3930	775	4	,	,	PUNCT
fsr-3930	775	5	i.	i.	NOUN
fsr-3930	775	6	(	(	PUNCT
fsr-3930	775	7	2000	2000	NUM
fsr-3930	775	8	)	)	PUNCT
fsr-3930	775	9	.	.	PUNCT
fsr-3930	776	1	inflation	inflation	NOUN
fsr-3930	776	2	-	-	PUNCT
fsr-3930	776	3	protection	protection	NOUN
fsr-3930	776	4	securities	security	NOUN
fsr-3930	776	5	in	in	ADP
fsr-3930	776	6	an	an	DET
fsr-3930	776	7	asset	asset	NOUN
fsr-3930	776	8	allocation	allocation	NOUN
fsr-3930	776	9	framework	framework	NOUN
fsr-3930	776	10	.	.	PUNCT
fsr-3930	777	1	investment	investment	NOUN
fsr-3930	777	2	counseling	counseling	NOUN
fsr-3930	777	3	for	for	ADP
fsr-3930	777	4	private	private	ADJ
fsr-3930	777	5	clients	client	NOUN
fsr-3930	777	6	ii	ii	PROPN
fsr-3930	777	7	:	:	PUNCT
fsr-3930	777	8	aimr	aimr	NOUN
fsr-3930	777	9	conference	conference	NOUN
fsr-3930	777	10	proceedings	proceeding	NOUN
fsr-3930	777	11	,	,	PUNCT
fsr-3930	777	12	3	3	NUM
fsr-3930	777	13	,	,	PUNCT
fsr-3930	777	14	26–38	26–38	NUM
fsr-3930	777	15	.	.	PUNCT
fsr-3930	777	16	scott	scott	PROPN
fsr-3930	777	17	,	,	PUNCT
fsr-3930	777	18	m.	m.	PROPN
fsr-3930	777	19	c.	c.	PROPN
fsr-3930	777	20	(	(	PUNCT
fsr-3930	777	21	1995	1995	NUM
fsr-3930	777	22	)	)	PUNCT
fsr-3930	777	23	.	.	PUNCT
fsr-3930	778	1	defining	define	VERB
fsr-3930	778	2	your	your	PRON
fsr-3930	778	3	investment	investment	NOUN
fsr-3930	778	4	portfolio	portfolio	NOUN
fsr-3930	778	5	:	:	PUNCT
fsr-3930	778	6	what	what	PRON
fsr-3930	778	7	should	should	AUX
fsr-3930	778	8	you	you	PRON
fsr-3930	778	9	include	include	VERB
fsr-3930	778	10	?	?	PUNCT
fsr-3930	779	1	aaii	aaii	NOUN
fsr-3930	779	2	journal	journal	NOUN
fsr-3930	779	3	,	,	PUNCT
fsr-3930	779	4	november	november	PROPN
fsr-3930	779	5	,	,	PUNCT
fsr-3930	779	6	1995	1995	NUM
fsr-3930	779	7	.	.	PUNCT
fsr-3930	780	1	scott	scott	PROPN
fsr-3930	780	2	,	,	PUNCT
fsr-3930	780	3	m.	m.	PROPN
fsr-3930	780	4	c.	c.	PROPN
fsr-3930	780	5	(	(	PUNCT
fsr-3930	780	6	1997	1997	NUM
fsr-3930	780	7	)	)	PUNCT
fsr-3930	780	8	.	.	PUNCT
fsr-3930	781	1	re	re	VERB
fsr-3930	781	2	-	-	VERB
fsr-3930	781	3	examining	examine	VERB
fsr-3930	781	4	your	your	PRON
fsr-3930	781	5	asset	asset	NOUN
fsr-3930	781	6	allocation	allocation	NOUN
fsr-3930	781	7	in	in	ADP
fsr-3930	781	8	light	light	NOUN
fsr-3930	781	9	of	of	ADP
fsr-3930	781	10	vested	vested	ADJ
fsr-3930	781	11	pension	pension	NOUN
fsr-3930	781	12	benefits	benefit	NOUN
fsr-3930	781	13	.	.	PUNCT
fsr-3930	782	1	aaii	aaii	PROPN
fsr-3930	782	2	journal	journal	PROPN
fsr-3930	782	3	,	,	PUNCT
fsr-3930	782	4	january	january	PROPN
fsr-3930	782	5	,	,	PUNCT
fsr-3930	782	6	1997	1997	NUM
fsr-3930	782	7	.	.	PUNCT
fsr-3930	783	1	siegel	siegel	PROPN
fsr-3930	783	2	,	,	PUNCT
fsr-3930	783	3	j.	j.	PROPN
fsr-3930	783	4	(	(	PUNCT
fsr-3930	783	5	1998	1998	NUM
fsr-3930	783	6	)	)	PUNCT
fsr-3930	783	7	.	.	PUNCT
fsr-3930	784	1	stocks	stock	NOUN
fsr-3930	784	2	for	for	ADP
fsr-3930	784	3	the	the	DET
fsr-3930	784	4	long	long	ADJ
fsr-3930	784	5	run	run	NOUN
fsr-3930	784	6	.	.	PUNCT
fsr-3930	785	1	new	new	PROPN
fsr-3930	785	2	york	york	PROPN
fsr-3930	785	3	:	:	PUNCT
fsr-3930	785	4	mcgraw	mcgraw	PROPN
fsr-3930	785	5	-	-	PUNCT
fsr-3930	785	6	hill	hill	PROPN
fsr-3930	785	7	.	.	PUNCT
fsr-3930	786	1	smith	smith	PROPN
fsr-3930	786	2	,	,	PUNCT
fsr-3930	786	3	j.	j.	PROPN
fsr-3930	786	4	p.	p.	PROPN
fsr-3930	786	5	,	,	PUNCT
fsr-3930	786	6	&	&	CCONJ
fsr-3930	786	7	kington	kington	PROPN
fsr-3930	786	8	,	,	PUNCT
fsr-3930	786	9	r.	r.	PROPN
fsr-3930	786	10	(	(	PUNCT
fsr-3930	786	11	1997	1997	NUM
fsr-3930	786	12	)	)	PUNCT
fsr-3930	786	13	.	.	PUNCT
fsr-3930	787	1	demographic	demographic	ADJ
fsr-3930	787	2	and	and	CCONJ
fsr-3930	787	3	economic	economic	ADJ
fsr-3930	787	4	correlates	correlate	NOUN
fsr-3930	787	5	of	of	ADP
fsr-3930	787	6	health	health	NOUN
fsr-3930	787	7	in	in	ADP
fsr-3930	787	8	old	old	ADJ
fsr-3930	787	9	age	age	NOUN
fsr-3930	787	10	.	.	PUNCT
fsr-3930	788	1	demography	demography	NOUN
fsr-3930	788	2	,	,	PUNCT
fsr-3930	788	3	34	34	NUM
fsr-3930	788	4	,	,	PUNCT
fsr-3930	788	5	159–170	159–170	NUM
fsr-3930	788	6	.	.	PUNCT
fsr-3930	789	1	social	social	ADJ
fsr-3930	789	2	security	security	NOUN
fsr-3930	789	3	administration	administration	NOUN
fsr-3930	789	4	website	website	NOUN
fsr-3930	789	5	(	(	PUNCT
fsr-3930	789	6	1999	1999	NUM
fsr-3930	789	7	,	,	PUNCT
fsr-3930	789	8	october	october	PROPN
fsr-3930	789	9	19	19	NUM
fsr-3930	789	10	)	)	PUNCT
fsr-3930	789	11	.	.	PUNCT
fsr-3930	790	1	illustrative	illustrative	ADJ
fsr-3930	790	2	benefit	benefit	NOUN
fsr-3930	790	3	table	table	NOUN
fsr-3930	790	4	for	for	ADP
fsr-3930	790	5	workers	worker	NOUN
fsr-3930	790	6	with	with	ADP
fsr-3930	790	7	high	high	ADJ
fsr-3930	790	8	earnings	earning	NOUN
fsr-3930	790	9	.	.	PUNCT
fsr-3930	791	1	available	available	ADJ
fsr-3930	791	2	at	at	ADP
fsr-3930	791	3	:	:	PUNCT
fsr-3930	791	4	www.ssa.gov/ocat/cola/illushigh.html	www.ssa.gov/ocat/cola/illushigh.html	X
fsr-3930	791	5	.	.	PUNCT
fsr-3930	792	1	accessed	access	VERB
fsr-3930	792	2	november	november	PROPN
fsr-3930	792	3	,	,	PUNCT
fsr-3930	792	4	14	14	NUM
fsr-3930	792	5	,	,	PUNCT
fsr-3930	792	6	1999	1999	NUM
fsr-3930	792	7	.	.	PUNCT
fsr-3930	793	1	social	social	ADJ
fsr-3930	793	2	security	security	PROPN
fsr-3930	793	3	administration	administration	NOUN
fsr-3930	793	4	(	(	PUNCT
fsr-3930	793	5	2000	2000	NUM
fsr-3930	793	6	)	)	PUNCT
fsr-3930	793	7	.	.	PUNCT
fsr-3930	794	1	how	how	SCONJ
fsr-3930	794	2	work	work	NOUN
fsr-3930	794	3	affects	affect	VERB
fsr-3930	794	4	your	your	PRON
fsr-3930	794	5	benefits	benefit	NOUN
fsr-3930	794	6	(	(	PUNCT
fsr-3930	794	7	publication	publication	NOUN
fsr-3930	794	8	10069	10069	NUM
fsr-3930	794	9	)	)	PUNCT
fsr-3930	794	10	.	.	PUNCT
fsr-3930	795	1	stanley	stanley	PROPN
fsr-3930	795	2	,	,	PUNCT
fsr-3930	795	3	t.	t.	PROPN
fsr-3930	795	4	j.	j.	PROPN
fsr-3930	795	5	,	,	PUNCT
fsr-3930	795	6	&	&	CCONJ
fsr-3930	795	7	danko	danko	PROPN
fsr-3930	795	8	,	,	PUNCT
fsr-3930	795	9	w.	w.	PROPN
fsr-3930	795	10	d.	d.	PROPN
fsr-3930	795	11	(	(	PUNCT
fsr-3930	795	12	1996	1996	NUM
fsr-3930	795	13	)	)	PUNCT
fsr-3930	795	14	.	.	PUNCT
fsr-3930	796	1	the	the	DET
fsr-3930	796	2	millionaire	millionaire	NOUN
fsr-3930	796	3	next	next	ADP
fsr-3930	796	4	door	door	NOUN
fsr-3930	796	5	:	:	PUNCT
fsr-3930	796	6	the	the	DET
fsr-3930	796	7	surprising	surprising	ADJ
fsr-3930	796	8	secrets	secret	NOUN
fsr-3930	796	9	of	of	ADP
fsr-3930	796	10	america	america	PROPN
fsr-3930	796	11	’s	’s	PART
fsr-3930	796	12	wealthy	wealthy	ADJ
fsr-3930	796	13	.	.	PUNCT
fsr-3930	797	1	marietta	marietta	PROPN
fsr-3930	797	2	,	,	PUNCT
fsr-3930	797	3	ga	ga	PROPN
fsr-3930	797	4	:	:	PUNCT
fsr-3930	797	5	longstreet	longstreet	PROPN
fsr-3930	797	6	press	press	PROPN
fsr-3930	797	7	.	.	PUNCT
fsr-3930	798	1	steuerle	steuerle	PROPN
fsr-3930	798	2	,	,	PUNCT
fsr-3930	798	3	c.	c.	PROPN
fsr-3930	798	4	e.	e.	PROPN
fsr-3930	798	5	,	,	PUNCT
fsr-3930	798	6	&	&	CCONJ
fsr-3930	798	7	bakija	bakija	PROPN
fsr-3930	798	8	,	,	PUNCT
fsr-3930	798	9	j.	j.	PROPN
fsr-3930	798	10	(	(	PUNCT
fsr-3930	798	11	1994	1994	NUM
fsr-3930	798	12	)	)	PUNCT
fsr-3930	798	13	.	.	PUNCT
fsr-3930	799	1	retooling	retool	VERB
fsr-3930	799	2	social	social	ADJ
fsr-3930	799	3	security	security	NOUN
fsr-3930	799	4	for	for	ADP
fsr-3930	799	5	the	the	DET
fsr-3930	799	6	21st	21st	ADJ
fsr-3930	799	7	century	century	NOUN
fsr-3930	799	8	.	.	PUNCT
fsr-3930	800	1	washington	washington	PROPN
fsr-3930	800	2	,	,	PUNCT
fsr-3930	800	3	dc	dc	PROPN
fsr-3930	800	4	:	:	PUNCT
fsr-3930	800	5	the	the	DET
fsr-3930	800	6	urban	urban	PROPN
fsr-3930	800	7	institute	institute	PROPN
fsr-3930	800	8	press	press	PROPN
fsr-3930	800	9	.	.	PUNCT
fsr-3930	801	1	steuerle	steuerle	PROPN
fsr-3930	801	2	,	,	PUNCT
fsr-3930	801	3	c.	c.	PROPN
fsr-3930	801	4	e.	e.	PROPN
fsr-3930	801	5	(	(	PUNCT
fsr-3930	801	6	1996	1996	NUM
fsr-3930	801	7	)	)	PUNCT
fsr-3930	801	8	.	.	PUNCT
fsr-3930	802	1	confronting	confront	VERB
fsr-3930	802	2	the	the	DET
fsr-3930	802	3	challenges	challenge	NOUN
fsr-3930	802	4	presented	present	VERB
fsr-3930	802	5	by	by	ADP
fsr-3930	802	6	an	an	DET
fsr-3930	802	7	aging	age	VERB
fsr-3930	802	8	population	population	NOUN
fsr-3930	802	9	.	.	PUNCT
fsr-3930	803	1	statement	statement	NOUN
fsr-3930	803	2	before	before	ADP
fsr-3930	803	3	the	the	DET
fsr-3930	803	4	labor	labor	NOUN
fsr-3930	803	5	and	and	CCONJ
fsr-3930	803	6	human	human	ADJ
fsr-3930	803	7	resources	resource	NOUN
fsr-3930	803	8	subcommittee	subcommittee	NOUN
fsr-3930	803	9	on	on	ADP
fsr-3930	803	10	aging	age	VERB
fsr-3930	803	11	,	,	PUNCT
fsr-3930	803	12	u.s	u.s	PROPN
fsr-3930	803	13	.	.	PROPN
fsr-3930	803	14	senate	senate	PROPN
fsr-3930	803	15	,	,	PUNCT
fsr-3930	803	16	may	may	PROPN
fsr-3930	803	17	14	14	NUM
fsr-3930	803	18	,	,	PUNCT
fsr-3930	803	19	1996	1996	NUM
fsr-3930	803	20	.	.	PUNCT
fsr-3930	804	1	available	available	ADJ
fsr-3930	804	2	at	at	ADP
fsr-3930	804	3	�	�	PROPN
fsr-3930	804	4	www.urban.org	www.urban.org	PROPN
fsr-3930	804	5	.	.	PUNCT
fsr-3930	805	1	stoller	stoller	PROPN
fsr-3930	805	2	,	,	PUNCT
fsr-3930	805	3	m.	m.	NOUN
fsr-3930	805	4	a.	a.	NOUN
fsr-3930	805	5	(	(	PUNCT
fsr-3930	805	6	1992	1992	NUM
fsr-3930	805	7	)	)	PUNCT
fsr-3930	805	8	.	.	PUNCT
fsr-3930	806	1	estimating	estimate	VERB
fsr-3930	806	2	the	the	DET
fsr-3930	806	3	present	present	ADJ
fsr-3930	806	4	value	value	NOUN
fsr-3930	806	5	of	of	ADP
fsr-3930	806	6	pensions	pension	NOUN
fsr-3930	806	7	:	:	PUNCT
fsr-3930	806	8	why	why	SCONJ
fsr-3930	806	9	different	different	ADJ
fsr-3930	806	10	estimators	estimator	NOUN
fsr-3930	806	11	get	get	VERB
fsr-3930	806	12	varying	vary	VERB
fsr-3930	806	13	results	result	NOUN
fsr-3930	806	14	.	.	PUNCT
fsr-3930	807	1	journal	journal	NOUN
fsr-3930	807	2	of	of	ADP
fsr-3930	807	3	legal	legal	ADJ
fsr-3930	807	4	economics	economic	NOUN
fsr-3930	807	5	,	,	PUNCT
fsr-3930	807	6	2	2	NUM
fsr-3930	807	7	,	,	PUNCT
fsr-3930	807	8	49–61	49–61	NUM
fsr-3930	807	9	.	.	PUNCT
fsr-3930	808	1	thomas	thomas	PROPN
fsr-3930	808	2	,	,	PUNCT
fsr-3930	808	3	w.	w.	PROPN
fsr-3930	808	4	w.	w.	PROPN
fsr-3930	808	5	(	(	PUNCT
fsr-3930	808	6	ed	ed	NOUN
fsr-3930	808	7	.	.	PUNCT
fsr-3930	808	8	)	)	PUNCT
fsr-3930	808	9	(	(	PUNCT
fsr-3930	808	10	1999	1999	NUM
fsr-3930	808	11	)	)	PUNCT
fsr-3930	808	12	.	.	PUNCT
fsr-3930	809	1	social	social	ADJ
fsr-3930	809	2	security	security	NOUN
fsr-3930	809	3	manual	manual	NOUN
fsr-3930	809	4	.	.	PUNCT
fsr-3930	809	5	’	'	PUNCT
fsr-3930	809	6	99	99	NUM
fsr-3930	809	7	edition	edition	NOUN
fsr-3930	809	8	.	.	PUNCT
fsr-3930	810	1	cincinnati	cincinnati	PROPN
fsr-3930	810	2	:	:	PUNCT
fsr-3930	810	3	national	national	ADJ
fsr-3930	810	4	underwriter	underwriter	NOUN
fsr-3930	810	5	company	company	NOUN
fsr-3930	810	6	.	.	PUNCT
fsr-3930	811	1	326	326	NUM
fsr-3930	811	2	s.p	s.p	PROPN
fsr-3930	811	3	.	.	PROPN
fsr-3930	811	4	fraser	fraser	PROPN
fsr-3930	811	5	et	et	PROPN
fsr-3930	811	6	al	al	PROPN
fsr-3930	811	7	.	.	PUNCT
fsr-3930	811	8	/	/	SYM
fsr-3930	811	9	financial	financial	ADJ
fsr-3930	811	10	services	service	NOUN
fsr-3930	811	11	review	review	VERB
fsr-3930	811	12	9	9	NUM
fsr-3930	811	13	(	(	PUNCT
fsr-3930	811	14	2000	2000	NUM
fsr-3930	811	15	)	)	PUNCT
fsr-3930	812	1	295–326	295–326	NUM