id	sid	tid	token	lemma	pos
fsr-4052	1	1	financial	financial	PROPN
fsr-4052	1	2	services	service	NOUN
fsr-4052	1	3	review	review	PROPN
fsr-4052	1	4	,	,	PUNCT
fsr-4052	1	5	33(1	33(1	NUM
fsr-4052	1	6	)	)	PUNCT
fsr-4052	1	7	28	28	NUM
fsr-4052	1	8	retirement	retirement	NOUN
fsr-4052	1	9	expectations	expectation	NOUN
fsr-4052	1	10	vs.	vs.	ADP
fsr-4052	1	11	reality	reality	NOUN
fsr-4052	1	12	:	:	PUNCT
fsr-4052	1	13	if	if	SCONJ
fsr-4052	1	14	covid-19	covid-19	PROPN
fsr-4052	1	15	did	do	AUX
fsr-4052	1	16	not	not	PART
fsr-4052	1	17	impact	impact	VERB
fsr-4052	1	18	retirement	retirement	NOUN
fsr-4052	1	19	expectations	expectation	NOUN
fsr-4052	1	20	significantly	significantly	ADV
fsr-4052	1	21	,	,	PUNCT
fsr-4052	1	22	what	what	PRON
fsr-4052	1	23	did	do	AUX
fsr-4052	1	24	?	?	PUNCT
fsr-4052	2	1	zhikun	zhikun	PROPN
fsr-4052	2	2	liu,1	liu,1	PROPN
fsr-4052	2	3	david	david	PROPN
fsr-4052	2	4	blanchett,2	blanchett,2	PROPN
fsr-4052	2	5	qi	qi	PROPN
fsr-4052	2	6	sun,3	sun,3	ADV
fsr-4052	2	7	and	and	CCONJ
fsr-4052	2	8	naomi	naomi	NOUN
fsr-4052	2	9	fink4	fink4	PUNCT
fsr-4052	3	1	abstract	abstract	ADJ
fsr-4052	3	2	using	use	VERB
fsr-4052	3	3	two	two	NUM
fsr-4052	3	4	data	data	NOUN
fsr-4052	3	5	sets	set	NOUN
fsr-4052	3	6	(	(	PUNCT
fsr-4052	3	7	a	a	DET
fsr-4052	3	8	prudential	prudential	ADJ
fsr-4052	3	9	financial	financial	PROPN
fsr-4052	3	10	wellness	wellness	PROPN
fsr-4052	3	11	survey	survey	NOUN
fsr-4052	3	12	and	and	CCONJ
fsr-4052	3	13	the	the	DET
fsr-4052	3	14	health	health	NOUN
fsr-4052	3	15	and	and	CCONJ
fsr-4052	3	16	retirement	retirement	NOUN
fsr-4052	3	17	study	study	PROPN
fsr-4052	3	18	)	)	PUNCT
fsr-4052	3	19	,	,	PUNCT
fsr-4052	3	20	this	this	DET
fsr-4052	3	21	study	study	NOUN
fsr-4052	3	22	demonstrates	demonstrate	VERB
fsr-4052	3	23	that	that	SCONJ
fsr-4052	3	24	although	although	SCONJ
fsr-4052	3	25	there	there	PRON
fsr-4052	3	26	is	be	VERB
fsr-4052	3	27	generally	generally	ADV
fsr-4052	3	28	a	a	DET
fsr-4052	3	29	natural	natural	ADJ
fsr-4052	3	30	upward	upward	ADJ
fsr-4052	3	31	trend	trend	NOUN
fsr-4052	3	32	for	for	ADP
fsr-4052	3	33	older	old	ADJ
fsr-4052	3	34	(	(	PUNCT
fsr-4052	3	35	age	age	NOUN
fsr-4052	3	36	50	50	NUM
fsr-4052	3	37	+	+	NOUN
fsr-4052	3	38	)	)	PUNCT
fsr-4052	3	39	americans	americans	PROPN
fsr-4052	3	40	to	to	PART
fsr-4052	3	41	progressively	progressively	ADV
fsr-4052	3	42	delay	delay	VERB
fsr-4052	3	43	their	their	PRON
fsr-4052	3	44	expected	expect	VERB
fsr-4052	3	45	retirement	retirement	NOUN
fsr-4052	3	46	age	age	NOUN
fsr-4052	3	47	,	,	PUNCT
fsr-4052	3	48	this	this	DET
fsr-4052	3	49	trend	trend	NOUN
fsr-4052	3	50	has	have	VERB
fsr-4052	3	51	no	no	DET
fsr-4052	3	52	statistically	statistically	ADV
fsr-4052	3	53	significant	significant	ADJ
fsr-4052	3	54	relationship	relationship	NOUN
fsr-4052	3	55	with	with	ADP
fsr-4052	3	56	the	the	DET
fsr-4052	3	57	covid-19	covid-19	PROPN
fsr-4052	3	58	pandemic	pandemic	NOUN
fsr-4052	3	59	.	.	PUNCT
fsr-4052	4	1	the	the	DET
fsr-4052	4	2	distribution	distribution	NOUN
fsr-4052	4	3	of	of	ADP
fsr-4052	4	4	older	old	ADJ
fsr-4052	4	5	americans	american	NOUN
fsr-4052	4	6	’	'	PUNCT
fsr-4052	4	7	expected	expect	VERB
fsr-4052	4	8	retirement	retirement	NOUN
fsr-4052	4	9	ages	age	NOUN
fsr-4052	4	10	is	be	AUX
fsr-4052	4	11	bimodal	bimodal	NOUN
fsr-4052	4	12	,	,	PUNCT
fsr-4052	4	13	often	often	ADV
fsr-4052	4	14	centered	center	VERB
fsr-4052	4	15	around	around	ADP
fsr-4052	4	16	two	two	NUM
fsr-4052	4	17	social	social	ADJ
fsr-4052	4	18	security	security	NOUN
fsr-4052	4	19	benefit	benefit	NOUN
fsr-4052	4	20	claiming	claim	VERB
fsr-4052	4	21	ages	age	NOUN
fsr-4052	4	22	–	–	PUNCT
fsr-4052	4	23	the	the	DET
fsr-4052	4	24	early	early	ADJ
fsr-4052	4	25	retirement	retirement	NOUN
fsr-4052	4	26	age	age	NOUN
fsr-4052	4	27	and	and	CCONJ
fsr-4052	4	28	full	full	ADJ
fsr-4052	4	29	retirement	retirement	NOUN
fsr-4052	4	30	age	age	NOUN
fsr-4052	4	31	.	.	PUNCT
fsr-4052	5	1	however	however	ADV
fsr-4052	5	2	,	,	PUNCT
fsr-4052	5	3	actual	actual	ADJ
fsr-4052	5	4	retirement	retirement	NOUN
fsr-4052	5	5	ages	age	NOUN
fsr-4052	5	6	are	be	AUX
fsr-4052	5	7	more	more	ADV
fsr-4052	5	8	likely	likely	ADJ
fsr-4052	5	9	to	to	PART
fsr-4052	5	10	follow	follow	VERB
fsr-4052	5	11	a	a	DET
fsr-4052	5	12	left	left	ADJ
fsr-4052	5	13	-	-	PUNCT
fsr-4052	5	14	skewed	skewed	ADJ
fsr-4052	5	15	distribution	distribution	NOUN
fsr-4052	5	16	,	,	PUNCT
fsr-4052	5	17	whereby	whereby	SCONJ
fsr-4052	5	18	people	people	NOUN
fsr-4052	5	19	appear	appear	VERB
fsr-4052	5	20	to	to	PART
fsr-4052	5	21	retire	retire	VERB
fsr-4052	5	22	earlier	early	ADV
fsr-4052	5	23	than	than	SCONJ
fsr-4052	5	24	expected	expect	VERB
fsr-4052	5	25	.	.	PUNCT
fsr-4052	6	1	the	the	DET
fsr-4052	6	2	most	most	ADV
fsr-4052	6	3	significant	significant	ADJ
fsr-4052	6	4	factors	factor	NOUN
fsr-4052	6	5	that	that	PRON
fsr-4052	6	6	influence	influence	NOUN
fsr-4052	6	7	participants	participant	NOUN
fsr-4052	6	8	’	'	PUNCT
fsr-4052	6	9	retirement	retirement	NOUN
fsr-4052	6	10	decisions	decision	NOUN
fsr-4052	6	11	relative	relative	ADJ
fsr-4052	6	12	to	to	ADP
fsr-4052	6	13	expectations	expectation	NOUN
fsr-4052	6	14	are	be	AUX
fsr-4052	6	15	health	health	NOUN
fsr-4052	6	16	(	(	PUNCT
fsr-4052	6	17	+	+	NOUN
fsr-4052	6	18	)	)	PUNCT
fsr-4052	6	19	,	,	PUNCT
fsr-4052	6	20	wealth	wealth	NOUN
fsr-4052	6	21	(	(	PUNCT
fsr-4052	6	22	-	-	PUNCT
fsr-4052	6	23	)	)	PUNCT
fsr-4052	6	24	,	,	PUNCT
fsr-4052	6	25	age	age	NOUN
fsr-4052	6	26	(	(	PUNCT
fsr-4052	6	27	+	+	NOUN
fsr-4052	6	28	)	)	PUNCT
fsr-4052	6	29	,	,	PUNCT
fsr-4052	6	30	change	change	NOUN
fsr-4052	6	31	of	of	ADP
fsr-4052	6	32	marital	marital	ADJ
fsr-4052	6	33	status	status	NOUN
fsr-4052	6	34	(	(	PUNCT
fsr-4052	6	35	+	+	NOUN
fsr-4052	6	36	)	)	PUNCT
fsr-4052	6	37	,	,	PUNCT
fsr-4052	6	38	mortality	mortality	NOUN
fsr-4052	6	39	expectations	expectation	NOUN
fsr-4052	6	40	(	(	PUNCT
fsr-4052	6	41	+	+	NOUN
fsr-4052	6	42	)	)	PUNCT
fsr-4052	6	43	,	,	PUNCT
fsr-4052	6	44	education	education	NOUN
fsr-4052	6	45	levels	level	NOUN
fsr-4052	6	46	(	(	PUNCT
fsr-4052	6	47	+	+	NOUN
fsr-4052	6	48	)	)	PUNCT
fsr-4052	6	49	,	,	PUNCT
fsr-4052	6	50	disability	disability	NOUN
fsr-4052	6	51	(	(	PUNCT
fsr-4052	6	52	-	-	PUNCT
fsr-4052	6	53	)	)	PUNCT
fsr-4052	6	54	,	,	PUNCT
fsr-4052	6	55	and	and	CCONJ
fsr-4052	6	56	major	major	ADJ
fsr-4052	6	57	illness	illness	NOUN
fsr-4052	6	58	diagnosis	diagnosis	NOUN
fsr-4052	6	59	(	(	PUNCT
fsr-4052	6	60	-	-	PUNCT
fsr-4052	6	61	)	)	PUNCT
fsr-4052	6	62	.	.	PUNCT
fsr-4052	7	1	focusing	focus	VERB
fsr-4052	7	2	on	on	ADP
fsr-4052	7	3	these	these	DET
fsr-4052	7	4	factors	factor	NOUN
fsr-4052	7	5	can	can	AUX
fsr-4052	7	6	help	help	VERB
fsr-4052	7	7	the	the	DET
fsr-4052	7	8	retirement	retirement	NOUN
fsr-4052	7	9	benefits	benefit	NOUN
fsr-4052	7	10	community	community	NOUN
fsr-4052	7	11	explore	explore	VERB
fsr-4052	7	12	strategies	strategy	NOUN
fsr-4052	7	13	to	to	PART
fsr-4052	7	14	mitigate	mitigate	VERB
fsr-4052	7	15	the	the	DET
fsr-4052	7	16	negative	negative	ADJ
fsr-4052	7	17	consequences	consequence	NOUN
fsr-4052	7	18	of	of	ADP
fsr-4052	7	19	gaps	gap	NOUN
fsr-4052	7	20	between	between	ADP
fsr-4052	7	21	retirement	retirement	NOUN
fsr-4052	7	22	expectations	expectation	NOUN
fsr-4052	7	23	and	and	CCONJ
fsr-4052	7	24	reality	reality	NOUN
fsr-4052	7	25	.	.	PUNCT
fsr-4052	8	1	creative	creative	ADJ
fsr-4052	8	2	commons	commons	PROPN
fsr-4052	8	3	license	license	NOUN
fsr-4052	8	4	this	this	DET
fsr-4052	8	5	work	work	NOUN
fsr-4052	8	6	is	be	AUX
fsr-4052	8	7	licensed	license	VERB
fsr-4052	8	8	under	under	ADP
fsr-4052	8	9	a	a	DET
fsr-4052	8	10	creative	creative	ADJ
fsr-4052	8	11	commons	common	NOUN
fsr-4052	8	12	attribution	attribution	NOUN
fsr-4052	8	13	-	-	PUNCT
fsr-4052	8	14	noncommercial	noncommercial	ADJ
fsr-4052	8	15	4.0	4.0	NUM
fsr-4052	8	16	license	license	NOUN
fsr-4052	8	17	recommended	recommend	VERB
fsr-4052	8	18	citation	citation	NOUN
fsr-4052	8	19	liu	liu	PROPN
fsr-4052	8	20	,	,	PUNCT
fsr-4052	8	21	z.	z.	PROPN
fsr-4052	8	22	,	,	PUNCT
fsr-4052	8	23	blanchett	blanchett	PROPN
fsr-4052	8	24	,	,	PUNCT
fsr-4052	8	25	d.	d.	PROPN
fsr-4052	8	26	,	,	PUNCT
fsr-4052	8	27	sun	sun	PROPN
fsr-4052	8	28	,	,	PUNCT
fsr-4052	8	29	q.	q.	PROPN
fsr-4052	8	30	,	,	PUNCT
fsr-4052	8	31	&	&	CCONJ
fsr-4052	8	32	fink	fink	PROPN
fsr-4052	8	33	,	,	PUNCT
fsr-4052	8	34	n.	n.	PROPN
fsr-4052	8	35	(	(	PUNCT
fsr-4052	8	36	2025	2025	NUM
fsr-4052	8	37	)	)	PUNCT
fsr-4052	8	38	.	.	PUNCT
fsr-4052	9	1	retirement	retirement	NOUN
fsr-4052	9	2	expectations	expectation	NOUN
fsr-4052	9	3	vs.	vs.	ADP
fsr-4052	9	4	reality	reality	NOUN
fsr-4052	9	5	:	:	PUNCT
fsr-4052	9	6	if	if	SCONJ
fsr-4052	9	7	covid19	covid19	NOUN
fsr-4052	9	8	did	do	AUX
fsr-4052	9	9	not	not	PART
fsr-4052	9	10	impact	impact	VERB
fsr-4052	9	11	retirement	retirement	NOUN
fsr-4052	9	12	expectations	expectation	NOUN
fsr-4052	9	13	significantly	significantly	ADV
fsr-4052	9	14	,	,	PUNCT
fsr-4052	9	15	what	what	PRON
fsr-4052	9	16	did	do	VERB
fsr-4052	9	17	?	?	PUNCT
fsr-4052	10	1	financial	financial	ADJ
fsr-4052	10	2	services	service	NOUN
fsr-4052	10	3	review	review	PROPN
fsr-4052	10	4	,	,	PUNCT
fsr-4052	10	5	33(1	33(1	NUM
fsr-4052	10	6	)	)	PUNCT
fsr-4052	10	7	,	,	PUNCT
fsr-4052	10	8	28	28	NUM
fsr-4052	10	9	-	-	SYM
fsr-4052	10	10	49	49	NUM
fsr-4052	10	11	.	.	PUNCT
fsr-4052	11	1	introduction	introduction	NOUN
fsr-4052	11	2	and	and	CCONJ
fsr-4052	11	3	literature	literature	NOUN
fsr-4052	11	4	review	review	NOUN
fsr-4052	11	5	for	for	ADP
fsr-4052	11	6	most	most	ADJ
fsr-4052	11	7	households	household	NOUN
fsr-4052	11	8	,	,	PUNCT
fsr-4052	11	9	planning	plan	VERB
fsr-4052	11	10	for	for	ADP
fsr-4052	11	11	retirement	retirement	NOUN
fsr-4052	11	12	involves	involve	VERB
fsr-4052	11	13	some	some	DET
fsr-4052	11	14	degree	degree	NOUN
fsr-4052	11	15	of	of	ADP
fsr-4052	11	16	uncertainty	uncertainty	NOUN
fsr-4052	11	17	,	,	PUNCT
fsr-4052	11	18	whether	whether	SCONJ
fsr-4052	11	19	about	about	ADP
fsr-4052	11	20	post	post	ADJ
fsr-4052	11	21	-	-	ADJ
fsr-4052	11	22	retirement	retirement	ADJ
fsr-4052	11	23	spending	spending	NOUN
fsr-4052	11	24	,	,	PUNCT
fsr-4052	11	25	longevity	longevity	NOUN
fsr-4052	11	26	,	,	PUNCT
fsr-4052	11	27	health	health	NOUN
fsr-4052	11	28	,	,	PUNCT
fsr-4052	11	29	or	or	CCONJ
fsr-4052	11	30	other	other	ADJ
fsr-4052	11	31	factors	factor	NOUN
fsr-4052	11	32	.	.	PUNCT
fsr-4052	12	1	american	american	ADJ
fsr-4052	12	2	workers	worker	NOUN
fsr-4052	12	3	’	’	PART
fsr-4052	12	4	retirement	retirement	NOUN
fsr-4052	12	5	timing	timing	NOUN
fsr-4052	12	6	expectations	expectation	NOUN
fsr-4052	12	7	play	play	VERB
fsr-4052	12	8	important	important	ADJ
fsr-4052	12	9	roles	role	NOUN
fsr-4052	12	10	in	in	ADP
fsr-4052	12	11	predicting	predict	VERB
fsr-4052	12	12	their	their	PRON
fsr-4052	12	13	retirement	retirement	NOUN
fsr-4052	12	14	decisions	decision	NOUN
fsr-4052	12	15	(	(	PUNCT
fsr-4052	12	16	haider	haider	NOUN
fsr-4052	12	17	and	and	CCONJ
fsr-4052	12	18	stephens	stephen	NOUN
fsr-4052	12	19	2007	2007	NUM
fsr-4052	12	20	)	)	PUNCT
fsr-4052	12	21	,	,	PUNCT
fsr-4052	12	22	and	and	CCONJ
fsr-4052	12	23	thus	thus	ADV
fsr-4052	12	24	also	also	ADV
fsr-4052	12	25	play	play	VERB
fsr-4052	12	26	important	important	ADJ
fsr-4052	12	27	roles	role	NOUN
fsr-4052	12	28	in	in	ADP
fsr-4052	12	29	policy	policy	NOUN
fsr-4052	12	30	proposals	proposal	NOUN
fsr-4052	12	31	(	(	PUNCT
fsr-4052	12	32	vanderhei	vanderhei	PROPN
fsr-4052	12	33	2022	2022	NUM
fsr-4052	12	34	)	)	PUNCT
fsr-4052	12	35	as	as	ADV
fsr-4052	12	36	well	well	ADV
fsr-4052	12	37	as	as	ADP
fsr-4052	12	38	the	the	DET
fsr-4052	12	39	design	design	NOUN
fsr-4052	12	40	of	of	ADP
fsr-4052	12	41	retirement	retirement	NOUN
fsr-4052	12	42	products	product	NOUN
fsr-4052	12	43	1	1	NUM
fsr-4052	12	44	corresponding	correspond	VERB
fsr-4052	12	45	author	author	NOUN
fsr-4052	12	46	(	(	PUNCT
fsr-4052	12	47	zliu@missionsq.org	zliu@missionsq.org	PROPN
fsr-4052	12	48	)	)	PUNCT
fsr-4052	12	49	.	.	PUNCT
fsr-4052	13	1	missionsquare	missionsquare	PROPN
fsr-4052	13	2	retirement	retirement	PROPN
fsr-4052	13	3	,	,	PUNCT
fsr-4052	13	4	washington	washington	PROPN
fsr-4052	13	5	,	,	PUNCT
fsr-4052	13	6	dc	dc	PROPN
fsr-4052	13	7	,	,	PUNCT
fsr-4052	13	8	usa	usa	PROPN
fsr-4052	13	9	2	2	NUM
fsr-4052	13	10	pgim	pgim	PROPN
fsr-4052	13	11	dc	dc	PROPN
fsr-4052	13	12	solutions	solutions	PROPN
fsr-4052	13	13	,	,	PUNCT
fsr-4052	13	14	newark	newark	PROPN
fsr-4052	13	15	,	,	PUNCT
fsr-4052	13	16	nj	nj	PROPN
fsr-4052	13	17	,	,	PUNCT
fsr-4052	13	18	usa	usa	PROPN
fsr-4052	13	19	3	3	NUM
fsr-4052	13	20	pacific	pacific	PROPN
fsr-4052	13	21	life	life	NOUN
fsr-4052	13	22	,	,	PUNCT
fsr-4052	13	23	newport	newport	PROPN
fsr-4052	13	24	beach	beach	PROPN
fsr-4052	13	25	,	,	PUNCT
fsr-4052	13	26	ca	ca	PROPN
fsr-4052	13	27	,	,	PUNCT
fsr-4052	13	28	usa	usa	PROPN
fsr-4052	13	29	4	4	NUM
fsr-4052	13	30	nikko	nikko	PROPN
fsr-4052	13	31	asset	asset	NOUN
fsr-4052	13	32	management	management	PROPN
fsr-4052	13	33	co	co	NOUN
fsr-4052	13	34	,	,	PUNCT
fsr-4052	13	35	ltd	ltd	PROPN
fsr-4052	13	36	,	,	PUNCT
fsr-4052	13	37	tokyo	tokyo	PROPN
fsr-4052	13	38	,	,	PUNCT
fsr-4052	13	39	japan	japan	PROPN
fsr-4052	13	40	and	and	CCONJ
fsr-4052	13	41	services	service	NOUN
fsr-4052	13	42	(	(	PUNCT
fsr-4052	13	43	blanchett	blanchett	PROPN
fsr-4052	13	44	2015	2015	NUM
fsr-4052	13	45	)	)	PUNCT
fsr-4052	13	46	to	to	PART
fsr-4052	13	47	help	help	VERB
fsr-4052	13	48	retirees	retiree	NOUN
fsr-4052	13	49	better	well	ADJ
fsr-4052	13	50	plan	plan	NOUN
fsr-4052	13	51	for	for	ADP
fsr-4052	13	52	their	their	PRON
fsr-4052	13	53	future	future	ADJ
fsr-4052	13	54	retirement	retirement	NOUN
fsr-4052	13	55	.	.	PUNCT
fsr-4052	14	1	research	research	NOUN
fsr-4052	14	2	interests	interest	NOUN
fsr-4052	14	3	in	in	ADP
fsr-4052	14	4	people	people	NOUN
fsr-4052	14	5	’s	’s	PART
fsr-4052	14	6	retirement	retirement	NOUN
fsr-4052	14	7	expectations	expectation	NOUN
fsr-4052	14	8	have	have	AUX
fsr-4052	14	9	increased	increase	VERB
fsr-4052	14	10	significantly	significantly	ADV
fsr-4052	14	11	in	in	ADP
fsr-4052	14	12	both	both	CCONJ
fsr-4052	14	13	academia	academia	NOUN
fsr-4052	14	14	and	and	CCONJ
fsr-4052	14	15	industry	industry	NOUN
fsr-4052	14	16	(	(	PUNCT
fsr-4052	14	17	beehr	beehr	NOUN
fsr-4052	14	18	2014	2014	NUM
fsr-4052	14	19	;	;	PUNCT
fsr-4052	14	20	haider	haider	NOUN
fsr-4052	14	21	and	and	CCONJ
fsr-4052	14	22	stephens	stephen	NOUN
fsr-4052	14	23	2007	2007	NUM
fsr-4052	14	24	;	;	PUNCT
fsr-4052	14	25	hanspal	hanspal	PROPN
fsr-4052	14	26	et	et	PROPN
fsr-4052	14	27	al	al	PROPN
fsr-4052	14	28	.	.	PROPN
fsr-4052	14	29	2020	2020	NUM
fsr-4052	14	30	,	,	PUNCT
fsr-4052	14	31	2021	2021	NUM
fsr-4052	14	32	)	)	PUNCT
fsr-4052	14	33	.	.	PUNCT
fsr-4052	15	1	arguably	arguably	ADV
fsr-4052	15	2	,	,	PUNCT
fsr-4052	15	3	the	the	DET
fsr-4052	15	4	most	most	ADV
fsr-4052	15	5	important	important	ADJ
fsr-4052	15	6	retirement	retirement	NOUN
fsr-4052	15	7	decision	decision	NOUN
fsr-4052	15	8	is	be	AUX
fsr-4052	15	9	when	when	SCONJ
fsr-4052	15	10	to	to	PART
fsr-4052	15	11	retire	retire	VERB
fsr-4052	15	12	,	,	PUNCT
fsr-4052	15	13	a	a	DET
fsr-4052	15	14	factor	factor	NOUN
fsr-4052	15	15	over	over	ADP
fsr-4052	15	16	which	which	PRON
fsr-4052	15	17	workers	worker	NOUN
fsr-4052	15	18	have	have	VERB
fsr-4052	15	19	varying	vary	VERB
fsr-4052	15	20	degrees	degree	NOUN
fsr-4052	15	21	of	of	ADP
fsr-4052	15	22	control	control	NOUN
fsr-4052	15	23	.	.	PUNCT
fsr-4052	16	1	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-4052	16	2	mailto:zliu@missionsq.org	mailto:zliu@missionsq.org	ADJ
fsr-4052	16	3	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PRON
fsr-4052	16	4	financial	financial	ADJ
fsr-4052	16	5	services	service	NOUN
fsr-4052	16	6	review	review	PROPN
fsr-4052	16	7	,	,	PUNCT
fsr-4052	16	8	33(1	33(1	NUM
fsr-4052	16	9	)	)	PUNCT
fsr-4052	16	10	29	29	NUM
fsr-4052	16	11	from	from	ADP
fsr-4052	16	12	stochastic	stochastic	ADJ
fsr-4052	16	13	retirement	retirement	NOUN
fsr-4052	16	14	readiness	readiness	NOUN
fsr-4052	16	15	model	model	NOUN
fsr-4052	16	16	design	design	NOUN
fsr-4052	16	17	to	to	ADP
fsr-4052	16	18	social	social	ADJ
fsr-4052	16	19	security	security	NOUN
fsr-4052	16	20	benefits	benefit	NOUN
fsr-4052	16	21	projection	projection	NOUN
fsr-4052	16	22	estimations	estimation	NOUN
fsr-4052	16	23	and	and	CCONJ
fsr-4052	16	24	from	from	ADP
fsr-4052	16	25	defined	define	VERB
fsr-4052	16	26	contribution	contribution	NOUN
fsr-4052	16	27	(	(	PUNCT
fsr-4052	16	28	dc	dc	PROPN
fsr-4052	16	29	)	)	PUNCT
fsr-4052	16	30	plan	plan	VERB
fsr-4052	16	31	savings	saving	NOUN
fsr-4052	16	32	strategies	strategy	NOUN
fsr-4052	16	33	to	to	PART
fsr-4052	16	34	monte	monte	PROPN
fsr-4052	16	35	carlo	carlo	PROPN
fsr-4052	16	36	retirement	retirement	PROPN
fsr-4052	16	37	-	-	PUNCT
fsr-4052	16	38	income	income	NOUN
fsr-4052	16	39	-	-	PUNCT
fsr-4052	16	40	replacement	replacement	NOUN
fsr-4052	16	41	goals	goal	NOUN
fsr-4052	16	42	success	success	NOUN
fsr-4052	16	43	rate	rate	NOUN
fsr-4052	16	44	calculations	calculation	NOUN
fsr-4052	16	45	,	,	PUNCT
fsr-4052	16	46	people	people	NOUN
fsr-4052	16	47	’s	’s	PART
fsr-4052	16	48	expected	expect	VERB
fsr-4052	16	49	retirement	retirement	NOUN
fsr-4052	16	50	age	age	NOUN
fsr-4052	16	51	is	be	AUX
fsr-4052	16	52	a	a	DET
fsr-4052	16	53	crucial	crucial	ADJ
fsr-4052	16	54	factor	factor	NOUN
fsr-4052	16	55	for	for	ADP
fsr-4052	16	56	industry	industry	NOUN
fsr-4052	16	57	advisors	advisor	NOUN
fsr-4052	16	58	and	and	CCONJ
fsr-4052	16	59	financial	financial	ADJ
fsr-4052	16	60	planners	planner	NOUN
fsr-4052	16	61	to	to	PART
fsr-4052	16	62	design	design	VERB
fsr-4052	16	63	retirement	retirement	NOUN
fsr-4052	16	64	services	service	NOUN
fsr-4052	16	65	,	,	PUNCT
fsr-4052	16	66	projection	projection	NOUN
fsr-4052	16	67	models	model	NOUN
fsr-4052	16	68	,	,	PUNCT
fsr-4052	16	69	and	and	CCONJ
fsr-4052	16	70	to	to	PART
fsr-4052	16	71	offer	offer	VERB
fsr-4052	16	72	sound	sound	ADJ
fsr-4052	16	73	advice	advice	NOUN
fsr-4052	16	74	to	to	ADP
fsr-4052	16	75	their	their	PRON
fsr-4052	16	76	clients	client	NOUN
fsr-4052	16	77	.	.	PUNCT
fsr-4052	17	1	retirement	retirement	NOUN
fsr-4052	17	2	expectations	expectation	NOUN
fsr-4052	17	3	determine	determine	VERB
fsr-4052	17	4	retirement	retirement	NOUN
fsr-4052	17	5	intentions	intention	NOUN
fsr-4052	17	6	,	,	PUNCT
fsr-4052	17	7	and	and	CCONJ
fsr-4052	17	8	retirement	retirement	NOUN
fsr-4052	17	9	intentions	intention	NOUN
fsr-4052	17	10	are	be	AUX
fsr-4052	17	11	predictors	predictor	NOUN
fsr-4052	17	12	of	of	ADP
fsr-4052	17	13	retirement	retirement	NOUN
fsr-4052	17	14	behavior	behavior	NOUN
fsr-4052	17	15	(	(	PUNCT
fsr-4052	17	16	blanchett	blanchett	PROPN
fsr-4052	17	17	2018	2018	NUM
fsr-4052	17	18	)	)	PUNCT
fsr-4052	17	19	.	.	PUNCT
fsr-4052	18	1	individuals	individual	NOUN
fsr-4052	18	2	who	who	PRON
fsr-4052	18	3	want	want	VERB
fsr-4052	18	4	to	to	PART
fsr-4052	18	5	maintain	maintain	VERB
fsr-4052	18	6	their	their	PRON
fsr-4052	18	7	desired	desire	VERB
fsr-4052	18	8	standard	standard	NOUN
fsr-4052	18	9	of	of	ADP
fsr-4052	18	10	living	living	NOUN
fsr-4052	18	11	when	when	SCONJ
fsr-4052	18	12	retired	retire	VERB
fsr-4052	18	13	will	will	AUX
fsr-4052	18	14	need	need	VERB
fsr-4052	18	15	to	to	PART
fsr-4052	18	16	accumulate	accumulate	VERB
fsr-4052	18	17	sufficient	sufficient	ADJ
fsr-4052	18	18	financial	financial	ADJ
fsr-4052	18	19	assets	asset	NOUN
fsr-4052	18	20	with	with	ADP
fsr-4052	18	21	careful	careful	ADJ
fsr-4052	18	22	preparation	preparation	NOUN
fsr-4052	18	23	and	and	CCONJ
fsr-4052	18	24	have	have	VERB
fsr-4052	18	25	a	a	DET
fsr-4052	18	26	more	more	ADV
fsr-4052	18	27	realistic	realistic	ADJ
fsr-4052	18	28	retirement	retirement	NOUN
fsr-4052	18	29	age	age	NOUN
fsr-4052	18	30	projection	projection	NOUN
fsr-4052	18	31	before	before	ADP
fsr-4052	18	32	the	the	DET
fsr-4052	18	33	actual	actual	ADJ
fsr-4052	18	34	retirement	retirement	NOUN
fsr-4052	18	35	.	.	PUNCT
fsr-4052	19	1	conversely	conversely	ADV
fsr-4052	19	2	,	,	PUNCT
fsr-4052	19	3	if	if	SCONJ
fsr-4052	19	4	an	an	DET
fsr-4052	19	5	individual	individual	NOUN
fsr-4052	19	6	does	do	AUX
fsr-4052	19	7	not	not	PART
fsr-4052	19	8	demonstrate	demonstrate	VERB
fsr-4052	19	9	sufficient	sufficient	ADJ
fsr-4052	19	10	preparedness	preparedness	NOUN
fsr-4052	19	11	,	,	PUNCT
fsr-4052	19	12	her	her	PRON
fsr-4052	19	13	plans	plan	NOUN
fsr-4052	19	14	to	to	PART
fsr-4052	19	15	retire	retire	VERB
fsr-4052	19	16	at	at	ADP
fsr-4052	19	17	a	a	DET
fsr-4052	19	18	given	give	VERB
fsr-4052	19	19	age	age	NOUN
fsr-4052	19	20	may	may	AUX
fsr-4052	19	21	not	not	PART
fsr-4052	19	22	prove	prove	VERB
fsr-4052	19	23	achievable	achievable	ADJ
fsr-4052	19	24	.	.	PUNCT
fsr-4052	20	1	a	a	DET
fsr-4052	20	2	deeper	deep	ADJ
fsr-4052	20	3	understanding	understanding	NOUN
fsr-4052	20	4	of	of	ADP
fsr-4052	20	5	the	the	DET
fsr-4052	20	6	significance	significance	NOUN
fsr-4052	20	7	of	of	ADP
fsr-4052	20	8	retirement	retirement	NOUN
fsr-4052	20	9	age	age	NOUN
fsr-4052	20	10	expectations	expectation	NOUN
fsr-4052	20	11	is	be	AUX
fsr-4052	20	12	needed	need	VERB
fsr-4052	20	13	for	for	ADP
fsr-4052	20	14	such	such	ADJ
fsr-4052	20	15	preparations	preparation	NOUN
fsr-4052	20	16	.	.	PUNCT
fsr-4052	21	1	dubina	dubina	PROPN
fsr-4052	21	2	et	et	PROPN
fsr-4052	21	3	al	al	PROPN
fsr-4052	21	4	.	.	PROPN
fsr-4052	21	5	(	(	PUNCT
fsr-4052	21	6	2020	2020	NUM
fsr-4052	21	7	)	)	PUNCT
fsr-4052	22	1	[	[	X
fsr-4052	22	2	the	the	DET
fsr-4052	22	3	u.s	u.s	PROPN
fsr-4052	22	4	.	.	PROPN
fsr-4052	22	5	bureau	bureau	PROPN
fsr-4052	22	6	of	of	ADP
fsr-4052	22	7	labor	labor	PROPN
fsr-4052	22	8	statistics	statistic	NOUN
fsr-4052	22	9	]	]	PUNCT
fsr-4052	22	10	predicted	predict	VERB
fsr-4052	22	11	that	that	SCONJ
fsr-4052	22	12	over	over	ADP
fsr-4052	22	13	1	1	NUM
fsr-4052	22	14	out	out	ADP
fsr-4052	22	15	of	of	ADP
fsr-4052	22	16	4	4	NUM
fsr-4052	22	17	workers	worker	NOUN
fsr-4052	22	18	in	in	ADP
fsr-4052	22	19	the	the	DET
fsr-4052	22	20	u.s	u.s	PROPN
fsr-4052	22	21	.	.	PROPN
fsr-4052	22	22	labor	labor	NOUN
fsr-4052	22	23	force	force	NOUN
fsr-4052	22	24	will	will	AUX
fsr-4052	22	25	be	be	AUX
fsr-4052	22	26	65	65	NUM
fsr-4052	22	27	or	or	CCONJ
fsr-4052	22	28	older	old	ADJ
fsr-4052	22	29	by	by	ADP
fsr-4052	22	30	2030	2030	NUM
fsr-4052	22	31	,	,	PUNCT
fsr-4052	22	32	contributing	contribute	VERB
fsr-4052	22	33	to	to	ADP
fsr-4052	22	34	the	the	DET
fsr-4052	22	35	sustained	sustained	ADJ
fsr-4052	22	36	decline	decline	NOUN
fsr-4052	22	37	of	of	ADP
fsr-4052	22	38	the	the	DET
fsr-4052	22	39	labor	labor	NOUN
fsr-4052	22	40	force	force	NOUN
fsr-4052	22	41	participation	participation	NOUN
fsr-4052	22	42	rate	rate	NOUN
fsr-4052	22	43	.	.	PUNCT
fsr-4052	23	1	many	many	ADJ
fsr-4052	23	2	workers	worker	NOUN
fsr-4052	23	3	and	and	CCONJ
fsr-4052	23	4	retirees	retiree	NOUN
fsr-4052	23	5	concur	concur	VERB
fsr-4052	23	6	that	that	SCONJ
fsr-4052	23	7	saving	save	VERB
fsr-4052	23	8	for	for	ADP
fsr-4052	23	9	retirement	retirement	NOUN
fsr-4052	23	10	is	be	AUX
fsr-4052	23	11	more	more	ADV
fsr-4052	23	12	important	important	ADJ
fsr-4052	23	13	than	than	ADP
fsr-4052	23	14	other	other	ADJ
fsr-4052	23	15	household	household	NOUN
fsr-4052	23	16	demands	demand	NOUN
fsr-4052	23	17	(	(	PUNCT
fsr-4052	23	18	ebri	ebri	NOUN
fsr-4052	23	19	retirement	retirement	NOUN
fsr-4052	23	20	confidence	confidence	NOUN
fsr-4052	23	21	survey	survey	NOUN
fsr-4052	23	22	2021	2021	NUM
fsr-4052	23	23	)	)	PUNCT
fsr-4052	23	24	.	.	PUNCT
fsr-4052	24	1	knowing	know	VERB
fsr-4052	24	2	that	that	SCONJ
fsr-4052	24	3	retirement	retirement	NOUN
fsr-4052	24	4	plans	plan	NOUN
fsr-4052	24	5	are	be	AUX
fsr-4052	24	6	crucial	crucial	ADJ
fsr-4052	24	7	to	to	ADP
fsr-4052	24	8	retirement	retirement	NOUN
fsr-4052	24	9	outcomes	outcome	NOUN
fsr-4052	24	10	,	,	PUNCT
fsr-4052	24	11	it	it	PRON
fsr-4052	24	12	is	be	AUX
fsr-4052	24	13	important	important	ADJ
fsr-4052	24	14	to	to	PART
fsr-4052	24	15	study	study	VERB
fsr-4052	24	16	american	american	ADJ
fsr-4052	24	17	workers	worker	NOUN
fsr-4052	24	18	’	'	PUNCT
fsr-4052	24	19	,	,	PUNCT
fsr-4052	24	20	especially	especially	ADV
fsr-4052	24	21	elderly	elderly	ADJ
fsr-4052	24	22	american	american	ADJ
fsr-4052	24	23	adults	adult	NOUN
fsr-4052	24	24	’	'	PUNCT
fsr-4052	24	25	retirement	retirement	NOUN
fsr-4052	24	26	expectations	expectation	NOUN
fsr-4052	24	27	.	.	PUNCT
fsr-4052	25	1	previous	previous	ADJ
fsr-4052	25	2	studies	study	NOUN
fsr-4052	25	3	investigated	investigate	VERB
fsr-4052	25	4	several	several	ADJ
fsr-4052	25	5	socioeconomic	socioeconomic	ADJ
fsr-4052	25	6	and	and	CCONJ
fsr-4052	25	7	demographic	demographic	ADJ
fsr-4052	25	8	factors	factor	NOUN
fsr-4052	25	9	that	that	PRON
fsr-4052	25	10	might	might	AUX
fsr-4052	25	11	potentially	potentially	ADV
fsr-4052	25	12	impact	impact	VERB
fsr-4052	25	13	expected	expect	VERB
fsr-4052	25	14	retirement	retirement	NOUN
fsr-4052	25	15	ages	age	NOUN
fsr-4052	25	16	.	.	PUNCT
fsr-4052	26	1	for	for	ADP
fsr-4052	26	2	instance	instance	NOUN
fsr-4052	26	3	,	,	PUNCT
fsr-4052	26	4	using	use	VERB
fsr-4052	26	5	the	the	DET
fsr-4052	26	6	2006	2006	NUM
fsr-4052	26	7	and	and	CCONJ
fsr-4052	26	8	2008	2008	NUM
fsr-4052	26	9	waves	wave	NOUN
fsr-4052	26	10	of	of	ADP
fsr-4052	26	11	the	the	DET
fsr-4052	26	12	health	health	NOUN
fsr-4052	26	13	and	and	CCONJ
fsr-4052	26	14	retirement	retirement	NOUN
fsr-4052	26	15	study	study	NOUN
fsr-4052	26	16	(	(	PUNCT
fsr-4052	26	17	hrs	hrs	NOUN
fsr-4052	26	18	)	)	PUNCT
fsr-4052	26	19	,	,	PUNCT
fsr-4052	26	20	szinovacz	szinovacz	PROPN
fsr-4052	26	21	et	et	PROPN
fsr-4052	26	22	al	al	PROPN
fsr-4052	26	23	.	.	PROPN
fsr-4052	27	1	(	(	PUNCT
fsr-4052	27	2	2014	2014	NUM
fsr-4052	27	3	)	)	PUNCT
fsr-4052	27	4	found	find	VERB
fsr-4052	27	5	that	that	SCONJ
fsr-4052	27	6	debt	debt	NOUN
fsr-4052	27	7	,	,	PUNCT
fsr-4052	27	8	assets	asset	NOUN
fsr-4052	27	9	,	,	PUNCT
fsr-4052	27	10	education	education	NOUN
fsr-4052	27	11	,	,	PUNCT
fsr-4052	27	12	race	race	NOUN
fsr-4052	27	13	,	,	PUNCT
fsr-4052	27	14	gender	gender	NOUN
fsr-4052	27	15	,	,	PUNCT
fsr-4052	27	16	marital	marital	ADJ
fsr-4052	27	17	status	status	NOUN
fsr-4052	27	18	,	,	PUNCT
fsr-4052	27	19	and	and	CCONJ
fsr-4052	27	20	income	income	NOUN
fsr-4052	27	21	are	be	AUX
fsr-4052	27	22	all	all	PRON
fsr-4052	27	23	factors	factor	NOUN
fsr-4052	27	24	that	that	PRON
fsr-4052	27	25	are	be	AUX
fsr-4052	27	26	associated	associate	VERB
fsr-4052	27	27	with	with	ADP
fsr-4052	27	28	participants	participant	NOUN
fsr-4052	27	29	’	'	PUNCT
fsr-4052	27	30	retirement	retirement	NOUN
fsr-4052	27	31	decisions	decision	NOUN
fsr-4052	27	32	.	.	PUNCT
fsr-4052	28	1	on	on	ADP
fsr-4052	28	2	the	the	DET
fsr-4052	28	3	other	other	ADJ
fsr-4052	28	4	side	side	NOUN
fsr-4052	28	5	of	of	ADP
fsr-4052	28	6	the	the	DET
fsr-4052	28	7	coin	coin	NOUN
fsr-4052	28	8	,	,	PUNCT
fsr-4052	28	9	past	past	ADJ
fsr-4052	28	10	studies	study	NOUN
fsr-4052	28	11	have	have	AUX
fsr-4052	28	12	found	find	VERB
fsr-4052	28	13	that	that	SCONJ
fsr-4052	28	14	the	the	DET
fsr-4052	28	15	age	age	NOUN
fsr-4052	28	16	of	of	ADP
fsr-4052	28	17	eligibility	eligibility	NOUN
fsr-4052	28	18	for	for	ADP
fsr-4052	28	19	retirement	retirement	NOUN
fsr-4052	28	20	benefits	benefit	NOUN
fsr-4052	28	21	has	have	VERB
fsr-4052	28	22	a	a	DET
fsr-4052	28	23	significant	significant	ADJ
fsr-4052	28	24	impact	impact	NOUN
fsr-4052	28	25	on	on	ADP
fsr-4052	28	26	actual	actual	ADJ
fsr-4052	28	27	retirement	retirement	NOUN
fsr-4052	28	28	date	date	NOUN
fsr-4052	28	29	(	(	PUNCT
fsr-4052	28	30	coile	coile	NOUN
fsr-4052	28	31	&	&	CCONJ
fsr-4052	28	32	gruber	gruber	PROPN
fsr-4052	28	33	,	,	PUNCT
fsr-4052	28	34	2007	2007	NUM
fsr-4052	28	35	)	)	PUNCT
fsr-4052	28	36	.	.	PUNCT
fsr-4052	29	1	research	research	NOUN
fsr-4052	29	2	has	have	AUX
fsr-4052	29	3	also	also	ADV
fsr-4052	29	4	found	find	VERB
fsr-4052	29	5	evidence	evidence	NOUN
fsr-4052	29	6	that	that	SCONJ
fsr-4052	29	7	labor	labor	NOUN
fsr-4052	29	8	market	market	NOUN
fsr-4052	29	9	downturns	downturn	NOUN
fsr-4052	29	10	,	,	PUNCT
fsr-4052	29	11	such	such	ADJ
fsr-4052	29	12	as	as	ADP
fsr-4052	29	13	the	the	DET
fsr-4052	29	14	global	global	ADJ
fsr-4052	29	15	financial	financial	ADJ
fsr-4052	29	16	crisis	crisis	NOUN
fsr-4052	29	17	of	of	ADP
fsr-4052	29	18	2009	2009	NUM
fsr-4052	29	19	-	-	SYM
fsr-4052	29	20	2009	2009	NUM
fsr-4052	29	21	and	and	CCONJ
fsr-4052	29	22	the	the	DET
fsr-4052	29	23	covid-19	covid-19	PROPN
fsr-4052	29	24	pandemic	pandemic	NOUN
fsr-4052	29	25	,	,	PUNCT
fsr-4052	29	26	can	can	AUX
fsr-4052	29	27	impact	impact	VERB
fsr-4052	29	28	retirement	retirement	NOUN
fsr-4052	29	29	decision	decision	NOUN
fsr-4052	29	30	-	-	PUNCT
fsr-4052	29	31	making	making	NOUN
fsr-4052	29	32	.	.	PUNCT
fsr-4052	30	1	for	for	ADP
fsr-4052	30	2	example	example	NOUN
fsr-4052	30	3	,	,	PUNCT
fsr-4052	30	4	coile	coile	NOUN
fsr-4052	30	5	and	and	CCONJ
fsr-4052	30	6	zhang	zhang	PROPN
fsr-4052	30	7	(	(	PUNCT
fsr-4052	30	8	2022	2022	NUM
fsr-4052	30	9	)	)	PUNCT
fsr-4052	30	10	found	find	VERB
fsr-4052	30	11	that	that	SCONJ
fsr-4052	30	12	there	there	PRON
fsr-4052	30	13	was	be	VERB
fsr-4052	30	14	an	an	DET
fsr-4052	30	15	increasing	increase	VERB
fsr-4052	30	16	trend	trend	NOUN
fsr-4052	30	17	of	of	ADP
fsr-4052	30	18	earlier	early	ADJ
fsr-4052	30	19	retirement	retirement	NOUN
fsr-4052	30	20	during	during	ADP
fsr-4052	30	21	the	the	DET
fsr-4052	30	22	covid-19	covid-19	PROPN
fsr-4052	30	23	pandemic	pandemic	NOUN
fsr-4052	30	24	.	.	PUNCT
fsr-4052	31	1	similarly	similarly	ADV
fsr-4052	31	2	,	,	PUNCT
fsr-4052	31	3	davis	davis	PROPN
fsr-4052	31	4	(	(	PUNCT
fsr-4052	31	5	2021	2021	NUM
fsr-4052	31	6	)	)	PUNCT
fsr-4052	31	7	found	find	VERB
fsr-4052	31	8	that	that	SCONJ
fsr-4052	31	9	an	an	DET
fsr-4052	31	10	increasing	increase	VERB
fsr-4052	31	11	portion	portion	NOUN
fsr-4052	31	12	of	of	ADP
fsr-4052	31	13	part	part	NOUN
fsr-4052	31	14	-	-	PUNCT
fsr-4052	31	15	time	time	NOUN
fsr-4052	31	16	older	old	ADJ
fsr-4052	31	17	workers	worker	NOUN
fsr-4052	31	18	and	and	CCONJ
fsr-4052	31	19	workers	worker	NOUN
fsr-4052	31	20	in	in	ADP
fsr-4052	31	21	high	high	ADJ
fsr-4052	31	22	-	-	PUNCT
fsr-4052	31	23	contact	contact	NOUN
fsr-4052	31	24	occupations	occupation	NOUN
fsr-4052	31	25	retired	retire	VERB
fsr-4052	31	26	earlier	early	ADV
fsr-4052	31	27	during	during	ADP
fsr-4052	31	28	the	the	DET
fsr-4052	31	29	pandemic	pandemic	NOUN
fsr-4052	31	30	.	.	PUNCT
fsr-4052	32	1	however	however	ADV
fsr-4052	32	2	,	,	PUNCT
fsr-4052	32	3	few	few	ADJ
fsr-4052	32	4	studies	study	NOUN
fsr-4052	32	5	have	have	AUX
fsr-4052	32	6	been	be	AUX
fsr-4052	32	7	published	publish	VERB
fsr-4052	32	8	to	to	PART
fsr-4052	32	9	examine	examine	VERB
fsr-4052	32	10	the	the	DET
fsr-4052	32	11	impact	impact	NOUN
fsr-4052	32	12	of	of	ADP
fsr-4052	32	13	the	the	DET
fsr-4052	32	14	covid-19	covid-19	PROPN
fsr-4052	32	15	pandemic	pandemic	NOUN
fsr-4052	32	16	on	on	ADP
fsr-4052	32	17	older	old	ADJ
fsr-4052	32	18	american	american	ADJ
fsr-4052	32	19	adults	adult	NOUN
fsr-4052	32	20	’	'	PUNCT
fsr-4052	32	21	retirement	retirement	NOUN
fsr-4052	32	22	expectations	expectation	NOUN
fsr-4052	32	23	.	.	PUNCT
fsr-4052	33	1	more	more	ADV
fsr-4052	33	2	importantly	importantly	ADV
fsr-4052	33	3	,	,	PUNCT
fsr-4052	33	4	as	as	ADP
fsr-4052	33	5	cregan	cregan	PROPN
fsr-4052	33	6	et	et	PROPN
fsr-4052	33	7	al	al	PROPN
fsr-4052	33	8	.	.	PROPN
fsr-4052	33	9	(	(	PUNCT
fsr-4052	33	10	2023	2023	NUM
fsr-4052	33	11	)	)	PUNCT
fsr-4052	33	12	pointed	point	VERB
fsr-4052	33	13	out	out	ADP
fsr-4052	33	14	in	in	ADP
fsr-4052	33	15	their	their	PRON
fsr-4052	33	16	study	study	NOUN
fsr-4052	33	17	,	,	PUNCT
fsr-4052	33	18	retirement	retirement	NOUN
fsr-4052	33	19	is	be	AUX
fsr-4052	33	20	often	often	ADV
fsr-4052	33	21	a	a	DET
fsr-4052	33	22	process	process	NOUN
fsr-4052	33	23	instead	instead	ADV
fsr-4052	33	24	of	of	ADP
fsr-4052	33	25	a	a	DET
fsr-4052	33	26	one	one	NUM
fsr-4052	33	27	-	-	PUNCT
fsr-4052	33	28	time	time	NOUN
fsr-4052	33	29	decision	decision	NOUN
fsr-4052	33	30	,	,	PUNCT
fsr-4052	33	31	and	and	CCONJ
fsr-4052	33	32	people	people	NOUN
fsr-4052	33	33	’s	’s	PART
fsr-4052	33	34	retirement	retirement	NOUN
fsr-4052	33	35	intentions	intention	NOUN
fsr-4052	33	36	change	change	VERB
fsr-4052	33	37	over	over	ADP
fsr-4052	33	38	time	time	NOUN
fsr-4052	33	39	.	.	PUNCT
fsr-4052	34	1	to	to	PART
fsr-4052	34	2	fill	fill	VERB
fsr-4052	34	3	the	the	DET
fsr-4052	34	4	gaps	gap	NOUN
fsr-4052	34	5	in	in	ADP
fsr-4052	34	6	the	the	DET
fsr-4052	34	7	existing	exist	VERB
fsr-4052	34	8	literature	literature	NOUN
fsr-4052	34	9	,	,	PUNCT
fsr-4052	34	10	we	we	PRON
fsr-4052	34	11	explore	explore	VERB
fsr-4052	34	12	the	the	DET
fsr-4052	34	13	potential	potential	ADJ
fsr-4052	34	14	influence	influence	NOUN
fsr-4052	34	15	of	of	ADP
fsr-4052	34	16	the	the	DET
fsr-4052	34	17	covid-19	covid-19	PROPN
fsr-4052	34	18	pandemic	pandemic	NOUN
fsr-4052	34	19	on	on	ADP
fsr-4052	34	20	employees	employee	NOUN
fsr-4052	34	21	’	'	PUNCT
fsr-4052	34	22	expected	expect	VERB
fsr-4052	34	23	retirement	retirement	NOUN
fsr-4052	34	24	age	age	NOUN
fsr-4052	34	25	.	.	PUNCT
fsr-4052	35	1	given	give	VERB
fsr-4052	35	2	the	the	DET
fsr-4052	35	3	richness	richness	NOUN
fsr-4052	35	4	of	of	ADP
fsr-4052	35	5	data	datum	NOUN
fsr-4052	35	6	at	at	ADP
fsr-4052	35	7	our	our	PRON
fsr-4052	35	8	disposal	disposal	NOUN
fsr-4052	35	9	,	,	PUNCT
fsr-4052	35	10	we	we	PRON
fsr-4052	35	11	also	also	ADV
fsr-4052	35	12	examine	examine	VERB
fsr-4052	35	13	different	different	ADJ
fsr-4052	35	14	socioeconomic	socioeconomic	ADJ
fsr-4052	35	15	and	and	CCONJ
fsr-4052	35	16	demographic	demographic	ADJ
fsr-4052	35	17	factors	factor	NOUN
fsr-4052	35	18	(	(	PUNCT
fsr-4052	35	19	other	other	ADJ
fsr-4052	35	20	than	than	ADP
fsr-4052	35	21	covid-19	covid-19	PROPN
fsr-4052	35	22	)	)	PUNCT
fsr-4052	35	23	that	that	PRON
fsr-4052	35	24	could	could	AUX
fsr-4052	35	25	potentially	potentially	ADV
fsr-4052	35	26	impact	impact	VERB
fsr-4052	35	27	expected	expect	VERB
fsr-4052	35	28	and	and	CCONJ
fsr-4052	35	29	actual	actual	ADJ
fsr-4052	35	30	retirement	retirement	NOUN
fsr-4052	35	31	ages	age	NOUN
fsr-4052	35	32	.	.	PUNCT
fsr-4052	36	1	more	more	ADV
fsr-4052	36	2	generally	generally	ADV
fsr-4052	36	3	,	,	PUNCT
fsr-4052	36	4	this	this	DET
fsr-4052	36	5	study	study	NOUN
fsr-4052	36	6	seeks	seek	VERB
fsr-4052	36	7	to	to	PART
fsr-4052	36	8	answer	answer	VERB
fsr-4052	36	9	several	several	ADJ
fsr-4052	36	10	important	important	ADJ
fsr-4052	36	11	questions	question	NOUN
fsr-4052	36	12	regarding	regard	VERB
fsr-4052	36	13	the	the	DET
fsr-4052	36	14	accuracy	accuracy	NOUN
fsr-4052	36	15	of	of	ADP
fsr-4052	36	16	retirement	retirement	NOUN
fsr-4052	36	17	expectations	expectation	NOUN
fsr-4052	36	18	among	among	ADP
fsr-4052	36	19	older	old	ADJ
fsr-4052	36	20	americans	americans	PROPN
fsr-4052	36	21	.	.	PUNCT
fsr-4052	37	1	do	do	AUX
fsr-4052	37	2	retirees	retiree	NOUN
fsr-4052	37	3	’	'	PUNCT
fsr-4052	37	4	expectations	expectation	NOUN
fsr-4052	37	5	match	match	VERB
fsr-4052	37	6	the	the	DET
fsr-4052	37	7	reality	reality	NOUN
fsr-4052	37	8	of	of	ADP
fsr-4052	37	9	when	when	SCONJ
fsr-4052	37	10	they	they	PRON
fsr-4052	37	11	eventually	eventually	ADV
fsr-4052	37	12	retire	retire	VERB
fsr-4052	37	13	?	?	PUNCT
fsr-4052	38	1	how	how	SCONJ
fsr-4052	38	2	significant	significant	ADJ
fsr-4052	38	3	are	be	AUX
fsr-4052	38	4	the	the	DET
fsr-4052	38	5	gaps	gap	NOUN
fsr-4052	38	6	between	between	ADP
fsr-4052	38	7	the	the	DET
fsr-4052	38	8	participants	participant	NOUN
fsr-4052	38	9	’	'	PUNCT
fsr-4052	38	10	actual	actual	ADJ
fsr-4052	38	11	and	and	CCONJ
fsr-4052	38	12	expected	expect	VERB
fsr-4052	38	13	retirement	retirement	NOUN
fsr-4052	38	14	ages	age	NOUN
fsr-4052	38	15	?	?	PUNCT
fsr-4052	39	1	what	what	PRON
fsr-4052	39	2	factors	factor	NOUN
fsr-4052	39	3	affect	affect	VERB
fsr-4052	39	4	people	people	NOUN
fsr-4052	39	5	’s	’s	PART
fsr-4052	39	6	retirement	retirement	NOUN
fsr-4052	39	7	expectations	expectation	NOUN
fsr-4052	39	8	in	in	ADP
fsr-4052	39	9	their	their	PRON
fsr-4052	39	10	50s	50	NOUN
fsr-4052	39	11	and	and	CCONJ
fsr-4052	39	12	impact	impact	VERB
fsr-4052	39	13	their	their	PRON
fsr-4052	39	14	actual	actual	ADJ
fsr-4052	39	15	retirement	retirement	NOUN
fsr-4052	39	16	decisions	decision	NOUN
fsr-4052	39	17	a	a	DET
fsr-4052	39	18	decade	decade	NOUN
fsr-4052	39	19	or	or	CCONJ
fsr-4052	39	20	two	two	NUM
fsr-4052	39	21	later	later	ADV
fsr-4052	39	22	?	?	PUNCT
fsr-4052	40	1	using	use	VERB
fsr-4052	40	2	two	two	NUM
fsr-4052	40	3	different	different	ADJ
fsr-4052	40	4	data	datum	NOUN
fsr-4052	40	5	sets	set	NOUN
fsr-4052	40	6	,	,	PUNCT
fsr-4052	40	7	this	this	DET
fsr-4052	40	8	study	study	NOUN
fsr-4052	40	9	first	first	ADV
fsr-4052	40	10	examines	examine	VERB
fsr-4052	40	11	whether	whether	SCONJ
fsr-4052	40	12	the	the	DET
fsr-4052	40	13	covid-19	covid-19	PROPN
fsr-4052	40	14	pandemic	pandemic	NOUN
fsr-4052	40	15	significantly	significantly	ADV
fsr-4052	40	16	impacted	impact	VERB
fsr-4052	40	17	american	american	ADJ
fsr-4052	40	18	workers	worker	NOUN
fsr-4052	40	19	’	’	PART
fsr-4052	40	20	retirement	retirement	NOUN
fsr-4052	40	21	expectations	expectation	NOUN
fsr-4052	40	22	.	.	PUNCT
fsr-4052	41	1	then	then	ADV
fsr-4052	41	2	,	,	PUNCT
fsr-4052	41	3	it	it	PRON
fsr-4052	41	4	explores	explore	VERB
fsr-4052	41	5	the	the	DET
fsr-4052	41	6	gaps	gap	NOUN
fsr-4052	41	7	between	between	ADP
fsr-4052	41	8	older	old	ADJ
fsr-4052	41	9	americans	american	NOUN
fsr-4052	41	10	’	'	PUNCT
fsr-4052	41	11	expected	expect	VERB
fsr-4052	41	12	and	and	CCONJ
fsr-4052	41	13	actual	actual	ADJ
fsr-4052	41	14	retirement	retirement	NOUN
fsr-4052	41	15	ages	age	NOUN
fsr-4052	41	16	,	,	PUNCT
fsr-4052	41	17	further	far	ADV
fsr-4052	41	18	examining	examine	VERB
fsr-4052	41	19	which	which	DET
fsr-4052	41	20	factors	factor	NOUN
fsr-4052	41	21	are	be	AUX
fsr-4052	41	22	related	relate	VERB
fsr-4052	41	23	to	to	ADP
fsr-4052	41	24	worker	worker	NOUN
fsr-4052	41	25	expectations	expectation	NOUN
fsr-4052	41	26	and	and	CCONJ
fsr-4052	41	27	actual	actual	ADJ
fsr-4052	41	28	retirement	retirement	NOUN
fsr-4052	41	29	decisions	decision	NOUN
fsr-4052	41	30	.	.	PUNCT
fsr-4052	42	1	the	the	DET
fsr-4052	42	2	first	first	ADJ
fsr-4052	42	3	data	datum	NOUN
fsr-4052	42	4	set	set	VERB
fsr-4052	42	5	used	use	VERB
fsr-4052	42	6	in	in	ADP
fsr-4052	42	7	this	this	DET
fsr-4052	42	8	study	study	NOUN
fsr-4052	42	9	is	be	AUX
fsr-4052	42	10	based	base	VERB
fsr-4052	42	11	on	on	ADP
fsr-4052	42	12	responses	response	NOUN
fsr-4052	42	13	to	to	ADP
fsr-4052	42	14	an	an	DET
fsr-4052	42	15	online	online	ADJ
fsr-4052	42	16	financial	financial	ADJ
fsr-4052	42	17	wellness	wellness	NOUN
fsr-4052	42	18	assessment	assessment	NOUN
fsr-4052	42	19	offered	offer	VERB
fsr-4052	42	20	by	by	ADP
fsr-4052	42	21	prudential	prudential	ADJ
fsr-4052	42	22	financial	financial	PROPN
fsr-4052	42	23	.	.	PUNCT
fsr-4052	43	1	this	this	DET
fsr-4052	43	2	dataset	dataset	NOUN
fsr-4052	43	3	is	be	AUX
fsr-4052	43	4	used	use	VERB
fsr-4052	43	5	to	to	PART
fsr-4052	43	6	better	well	ADV
fsr-4052	43	7	understand	understand	VERB
fsr-4052	43	8	the	the	DET
fsr-4052	43	9	variability	variability	NOUN
fsr-4052	43	10	of	of	ADP
fsr-4052	43	11	expected	expect	VERB
fsr-4052	43	12	retirement	retirement	NOUN
fsr-4052	43	13	age	age	NOUN
fsr-4052	43	14	during	during	ADP
fsr-4052	43	15	covid-19	covid-19	PROPN
fsr-4052	43	16	.	.	PUNCT
fsr-4052	44	1	two	two	NUM
fsr-4052	44	2	separate	separate	ADJ
fsr-4052	44	3	questionnaires	questionnaire	NOUN
fsr-4052	44	4	are	be	AUX
fsr-4052	44	5	reviewed	review	VERB
fsr-4052	44	6	.	.	PUNCT
fsr-4052	45	1	the	the	DET
fsr-4052	45	2	first	first	ADJ
fsr-4052	45	3	was	be	AUX
fsr-4052	45	4	offered	offer	VERB
fsr-4052	45	5	from	from	ADP
fsr-4052	45	6	april	april	PROPN
fsr-4052	45	7	20	20	NUM
fsr-4052	45	8	,	,	PUNCT
fsr-4052	45	9	2017	2017	NUM
fsr-4052	45	10	,	,	PUNCT
fsr-4052	45	11	to	to	ADP
fsr-4052	45	12	june	june	PROPN
fsr-4052	45	13	27	27	NUM
fsr-4052	45	14	,	,	PUNCT
fsr-4052	45	15	2020	2020	NUM
fsr-4052	45	16	,	,	PUNCT
fsr-4052	45	17	and	and	CCONJ
fsr-4052	45	18	the	the	DET
fsr-4052	45	19	second	second	ADJ
fsr-4052	45	20	from	from	ADP
fsr-4052	45	21	june	june	PROPN
fsr-4052	45	22	28	28	NUM
fsr-4052	45	23	,	,	PUNCT
fsr-4052	45	24	2020	2020	NUM
fsr-4052	45	25	,	,	PUNCT
fsr-4052	45	26	to	to	ADP
fsr-4052	45	27	december	december	PROPN
fsr-4052	45	28	1	1	NUM
fsr-4052	45	29	,	,	PUNCT
fsr-4052	45	30	2021	2021	NUM
fsr-4052	45	31	.	.	PUNCT
fsr-4052	46	1	there	there	PRON
fsr-4052	46	2	are	be	VERB
fsr-4052	46	3	154,403	154,403	NUM
fsr-4052	46	4	responses	response	NOUN
fsr-4052	46	5	liu	liu	PROPN
fsr-4052	46	6	et	et	PROPN
fsr-4052	46	7	al	al	PROPN
fsr-4052	46	8	.	.	PROPN
fsr-4052	46	9	30	30	NUM
fsr-4052	46	10	available	available	ADJ
fsr-4052	46	11	for	for	ADP
fsr-4052	46	12	the	the	DET
fsr-4052	46	13	first	first	ADJ
fsr-4052	46	14	dataset	dataset	NOUN
fsr-4052	46	15	and	and	CCONJ
fsr-4052	46	16	87,571	87,571	NUM
fsr-4052	46	17	for	for	ADP
fsr-4052	46	18	the	the	DET
fsr-4052	46	19	second	second	NOUN
fsr-4052	46	20	that	that	PRON
fsr-4052	46	21	meet	meet	VERB
fsr-4052	46	22	the	the	DET
fsr-4052	46	23	required	require	VERB
fsr-4052	46	24	filters	filter	NOUN
fsr-4052	46	25	(	(	PUNCT
fsr-4052	46	26	out	out	ADP
fsr-4052	46	27	of	of	ADP
fsr-4052	46	28	a	a	DET
fsr-4052	46	29	total	total	NOUN
fsr-4052	46	30	of	of	ADP
fsr-4052	46	31	241,974	241,974	NUM
fsr-4052	46	32	responses	response	NOUN
fsr-4052	46	33	)	)	PUNCT
fsr-4052	46	34	.	.	PUNCT
fsr-4052	47	1	if	if	SCONJ
fsr-4052	47	2	an	an	DET
fsr-4052	47	3	individual	individual	NOUN
fsr-4052	47	4	took	take	VERB
fsr-4052	47	5	the	the	DET
fsr-4052	47	6	questionnaires	questionnaire	NOUN
fsr-4052	47	7	multiple	multiple	ADJ
fsr-4052	47	8	times	time	NOUN
fsr-4052	47	9	,	,	PUNCT
fsr-4052	47	10	only	only	ADV
fsr-4052	47	11	the	the	DET
fsr-4052	47	12	last	last	ADJ
fsr-4052	47	13	response	response	NOUN
fsr-4052	47	14	is	be	AUX
fsr-4052	47	15	included	include	VERB
fsr-4052	47	16	.	.	PUNCT
fsr-4052	48	1	key	key	ADJ
fsr-4052	48	2	variables	variable	NOUN
fsr-4052	48	3	in	in	ADP
fsr-4052	48	4	this	this	DET
fsr-4052	48	5	data	datum	NOUN
fsr-4052	48	6	set	set	VERB
fsr-4052	48	7	include	include	VERB
fsr-4052	48	8	age	age	NOUN
fsr-4052	48	9	,	,	PUNCT
fsr-4052	48	10	gender	gender	NOUN
fsr-4052	48	11	,	,	PUNCT
fsr-4052	48	12	marital	marital	ADJ
fsr-4052	48	13	status	status	NOUN
fsr-4052	48	14	,	,	PUNCT
fsr-4052	48	15	household	household	NOUN
fsr-4052	48	16	income	income	NOUN
fsr-4052	48	17	,	,	PUNCT
fsr-4052	48	18	and	and	CCONJ
fsr-4052	48	19	expected	expect	VERB
fsr-4052	48	20	retirement	retirement	NOUN
fsr-4052	48	21	age	age	NOUN
fsr-4052	48	22	,	,	PUNCT
fsr-4052	48	23	and	and	CCONJ
fsr-4052	48	24	date	date	NOUN
fsr-4052	48	25	of	of	ADP
fsr-4052	48	26	survey	survey	NOUN
fsr-4052	48	27	completion	completion	NOUN
fsr-4052	48	28	.	.	PUNCT
fsr-4052	49	1	the	the	DET
fsr-4052	49	2	second	second	ADJ
fsr-4052	49	3	data	datum	NOUN
fsr-4052	49	4	set	set	VERB
fsr-4052	49	5	employed	employ	VERB
fsr-4052	49	6	in	in	ADP
fsr-4052	49	7	this	this	DET
fsr-4052	49	8	study	study	NOUN
fsr-4052	49	9	is	be	AUX
fsr-4052	49	10	the	the	DET
fsr-4052	49	11	health	health	NOUN
fsr-4052	49	12	and	and	CCONJ
fsr-4052	49	13	retirement	retirement	NOUN
fsr-4052	49	14	study	study	NOUN
fsr-4052	49	15	(	(	PUNCT
fsr-4052	49	16	hrs	hrs	NOUN
fsr-4052	49	17	)	)	PUNCT
fsr-4052	49	18	data	datum	NOUN
fsr-4052	49	19	,	,	PUNCT
fsr-4052	49	20	a	a	DET
fsr-4052	49	21	nationally	nationally	ADV
fsr-4052	49	22	representative	representative	ADJ
fsr-4052	49	23	longitudinal	longitudinal	ADJ
fsr-4052	49	24	survey	survey	NOUN
fsr-4052	49	25	of	of	ADP
fsr-4052	49	26	more	more	ADJ
fsr-4052	49	27	than	than	ADP
fsr-4052	49	28	37,000	37,000	NUM
fsr-4052	49	29	individuals	individual	NOUN
fsr-4052	49	30	over	over	ADP
fsr-4052	49	31	the	the	DET
fsr-4052	49	32	age	age	NOUN
fsr-4052	49	33	of	of	ADP
fsr-4052	49	34	50	50	NUM
fsr-4052	49	35	that	that	PRON
fsr-4052	49	36	is	be	AUX
fsr-4052	49	37	widely	widely	ADV
fsr-4052	49	38	used	use	VERB
fsr-4052	49	39	in	in	ADP
fsr-4052	49	40	the	the	DET
fsr-4052	49	41	retirement	retirement	NOUN
fsr-4052	49	42	literature	literature	NOUN
fsr-4052	49	43	.	.	PUNCT
fsr-4052	50	1	the	the	DET
fsr-4052	50	2	core	core	ADJ
fsr-4052	50	3	hrs	hrs	NOUN
fsr-4052	50	4	survey	survey	NOUN
fsr-4052	50	5	has	have	AUX
fsr-4052	50	6	been	be	AUX
fsr-4052	50	7	conducted	conduct	VERB
fsr-4052	50	8	biennially	biennially	ADV
fsr-4052	50	9	since	since	SCONJ
fsr-4052	50	10	1992	1992	NUM
fsr-4052	50	11	,	,	PUNCT
fsr-4052	50	12	and	and	CCONJ
fsr-4052	50	13	the	the	DET
fsr-4052	50	14	2020	2020	NUM
fsr-4052	50	15	wave	wave	NOUN
fsr-4052	50	16	contains	contain	VERB
fsr-4052	50	17	a	a	DET
fsr-4052	50	18	covid-19	covid-19	PROPN
fsr-4052	50	19	section	section	NOUN
fsr-4052	50	20	that	that	PRON
fsr-4052	50	21	recorded	record	VERB
fsr-4052	50	22	the	the	DET
fsr-4052	50	23	participants	participant	NOUN
fsr-4052	50	24	’	'	PUNCT
fsr-4052	50	25	responses	response	NOUN
fsr-4052	50	26	to	to	ADP
fsr-4052	50	27	various	various	ADJ
fsr-4052	50	28	pandemicrelated	pandemicrelate	VERB
fsr-4052	50	29	questions	question	NOUN
fsr-4052	50	30	.	.	PUNCT
fsr-4052	51	1	analyses	analysis	NOUN
fsr-4052	51	2	from	from	ADP
fsr-4052	51	3	both	both	DET
fsr-4052	51	4	data	datum	NOUN
fsr-4052	51	5	sets	set	NOUN
fsr-4052	51	6	indicate	indicate	VERB
fsr-4052	51	7	that	that	SCONJ
fsr-4052	51	8	older	old	ADJ
fsr-4052	51	9	americans	americans	PROPN
fsr-4052	51	10	’	’	PART
fsr-4052	51	11	retirement	retirement	NOUN
fsr-4052	51	12	expectations	expectation	NOUN
fsr-4052	51	13	(	(	PUNCT
fsr-4052	51	14	including	include	VERB
fsr-4052	51	15	planned	plan	VERB
fsr-4052	51	16	retirement	retirement	NOUN
fsr-4052	51	17	age	age	NOUN
fsr-4052	51	18	and	and	CCONJ
fsr-4052	51	19	social	social	ADJ
fsr-4052	51	20	security	security	NOUN
fsr-4052	51	21	benefit	benefit	NOUN
fsr-4052	51	22	claiming	claim	VERB
fsr-4052	51	23	age	age	NOUN
fsr-4052	51	24	)	)	PUNCT
fsr-4052	51	25	remain	remain	VERB
fsr-4052	51	26	largely	largely	ADV
fsr-4052	51	27	uninterrupted	uninterrupted	ADJ
fsr-4052	51	28	despite	despite	SCONJ
fsr-4052	51	29	enduring	endure	VERB
fsr-4052	51	30	the	the	DET
fsr-4052	51	31	impact	impact	NOUN
fsr-4052	51	32	of	of	ADP
fsr-4052	51	33	the	the	DET
fsr-4052	51	34	covid-19	covid-19	PROPN
fsr-4052	51	35	pandemic	pandemic	NOUN
fsr-4052	51	36	on	on	ADP
fsr-4052	51	37	their	their	PRON
fsr-4052	51	38	work	work	NOUN
fsr-4052	51	39	and	and	CCONJ
fsr-4052	51	40	financial	financial	ADJ
fsr-4052	51	41	situations	situation	NOUN
fsr-4052	51	42	in	in	ADP
fsr-4052	51	43	2020	2020	NUM
fsr-4052	51	44	.	.	PUNCT
fsr-4052	52	1	among	among	ADP
fsr-4052	52	2	the	the	DET
fsr-4052	52	3	factors	factor	NOUN
fsr-4052	52	4	that	that	PRON
fsr-4052	52	5	influence	influence	NOUN
fsr-4052	52	6	participants	participant	NOUN
fsr-4052	52	7	’	'	PUNCT
fsr-4052	52	8	retirement	retirement	NOUN
fsr-4052	52	9	decisions	decision	NOUN
fsr-4052	52	10	,	,	PUNCT
fsr-4052	52	11	health	health	NOUN
fsr-4052	52	12	(	(	PUNCT
fsr-4052	52	13	+	+	NOUN
fsr-4052	52	14	)	)	PUNCT
fsr-4052	52	15	5	5	NUM
fsr-4052	52	16	,	,	PUNCT
fsr-4052	52	17	wealth	wealth	NOUN
fsr-4052	52	18	(	(	PUNCT
fsr-4052	52	19	-	-	PUNCT
fsr-4052	52	20	)	)	PUNCT
fsr-4052	52	21	,	,	PUNCT
fsr-4052	52	22	age	age	NOUN
fsr-4052	52	23	(	(	PUNCT
fsr-4052	52	24	+	+	NOUN
fsr-4052	52	25	)	)	PUNCT
fsr-4052	52	26	,	,	PUNCT
fsr-4052	52	27	change	change	NOUN
fsr-4052	52	28	of	of	ADP
fsr-4052	52	29	marital	marital	ADJ
fsr-4052	52	30	status	status	NOUN
fsr-4052	52	31	(	(	PUNCT
fsr-4052	52	32	+	+	NOUN
fsr-4052	52	33	)	)	PUNCT
fsr-4052	52	34	,	,	PUNCT
fsr-4052	52	35	mortality	mortality	NOUN
fsr-4052	52	36	expectations	expectation	NOUN
fsr-4052	52	37	(	(	PUNCT
fsr-4052	52	38	+	+	NOUN
fsr-4052	52	39	)	)	PUNCT
fsr-4052	52	40	,	,	PUNCT
fsr-4052	52	41	education	education	NOUN
fsr-4052	52	42	levels	level	NOUN
fsr-4052	52	43	(	(	PUNCT
fsr-4052	52	44	+	+	NOUN
fsr-4052	52	45	)	)	PUNCT
fsr-4052	52	46	,	,	PUNCT
fsr-4052	52	47	and	and	CCONJ
fsr-4052	52	48	major	major	ADJ
fsr-4052	52	49	illness	illness	NOUN
fsr-4052	52	50	diagnosis	diagnosis	NOUN
fsr-4052	52	51	(	(	PUNCT
fsr-4052	52	52	-	-	PUNCT
fsr-4052	52	53	)	)	PUNCT
fsr-4052	52	54	are	be	AUX
fsr-4052	52	55	the	the	DET
fsr-4052	52	56	most	most	ADV
fsr-4052	52	57	significant	significant	ADJ
fsr-4052	52	58	factors	factor	NOUN
fsr-4052	52	59	that	that	PRON
fsr-4052	52	60	impact	impact	VERB
fsr-4052	52	61	participants	participant	NOUN
fsr-4052	52	62	’	'	PUNCT
fsr-4052	52	63	expected	expect	VERB
fsr-4052	52	64	retirement	retirement	NOUN
fsr-4052	52	65	timing	timing	NOUN
fsr-4052	52	66	.	.	PUNCT
fsr-4052	53	1	methodology	methodology	NOUN
fsr-4052	53	2	and	and	CCONJ
fsr-4052	53	3	results	result	VERB
fsr-4052	53	4	correctly	correctly	ADV
fsr-4052	53	5	anticipating	anticipate	VERB
fsr-4052	53	6	retirement	retirement	NOUN
fsr-4052	53	7	timing	timing	NOUN
fsr-4052	53	8	is	be	AUX
fsr-4052	53	9	not	not	PART
fsr-4052	53	10	only	only	ADV
fsr-4052	53	11	crucial	crucial	ADJ
fsr-4052	53	12	for	for	ADP
fsr-4052	53	13	an	an	DET
fsr-4052	53	14	individual	individual	NOUN
fsr-4052	53	15	’s	’s	PART
fsr-4052	53	16	own	own	ADJ
fsr-4052	53	17	retirement	retirement	NOUN
fsr-4052	53	18	success	success	NOUN
fsr-4052	53	19	but	but	CCONJ
fsr-4052	53	20	also	also	ADV
fsr-4052	53	21	important	important	ADJ
fsr-4052	53	22	for	for	SCONJ
fsr-4052	53	23	financial	financial	ADJ
fsr-4052	53	24	planners	planner	NOUN
fsr-4052	53	25	to	to	PART
fsr-4052	53	26	provide	provide	VERB
fsr-4052	53	27	appropriate	appropriate	ADJ
fsr-4052	53	28	advice	advice	NOUN
fsr-4052	53	29	and	and	CCONJ
fsr-4052	53	30	services	service	NOUN
fsr-4052	53	31	to	to	ADP
fsr-4052	53	32	their	their	PRON
fsr-4052	53	33	clients	client	NOUN
fsr-4052	53	34	.	.	PUNCT
fsr-4052	54	1	a	a	DET
fsr-4052	54	2	growing	grow	VERB
fsr-4052	54	3	body	body	NOUN
fsr-4052	54	4	of	of	ADP
fsr-4052	54	5	research	research	NOUN
fsr-4052	54	6	,	,	PUNCT
fsr-4052	54	7	though	though	ADV
fsr-4052	54	8	,	,	PUNCT
fsr-4052	54	9	indicates	indicate	VERB
fsr-4052	54	10	that	that	SCONJ
fsr-4052	54	11	individuals	individual	NOUN
fsr-4052	54	12	’	’	PART
fsr-4052	54	13	retirement	retirement	NOUN
fsr-4052	54	14	age	age	NOUN
fsr-4052	54	15	projections	projection	NOUN
fsr-4052	54	16	are	be	AUX
fsr-4052	54	17	inconsistent	inconsistent	ADJ
fsr-4052	54	18	with	with	ADP
fsr-4052	54	19	their	their	PRON
fsr-4052	54	20	actual	actual	ADJ
fsr-4052	54	21	retirement	retirement	NOUN
fsr-4052	54	22	ages	age	NOUN
fsr-4052	54	23	.	.	PUNCT
fsr-4052	55	1	meanwhile	meanwhile	ADV
fsr-4052	55	2	,	,	PUNCT
fsr-4052	55	3	incorporating	incorporate	VERB
fsr-4052	55	4	retirement	retirement	NOUN
fsr-4052	55	5	age	age	NOUN
fsr-4052	55	6	uncertainty	uncertainty	NOUN
fsr-4052	55	7	into	into	ADP
fsr-4052	55	8	a	a	DET
fsr-4052	55	9	financial	financial	ADJ
fsr-4052	55	10	plan	plan	NOUN
fsr-4052	55	11	can	can	AUX
fsr-4052	55	12	significantly	significantly	ADV
fsr-4052	55	13	impact	impact	VERB
fsr-4052	55	14	required	require	VERB
fsr-4052	55	15	retirement	retirement	NOUN
fsr-4052	55	16	savings	saving	NOUN
fsr-4052	55	17	levels	level	NOUN
fsr-4052	55	18	.	.	PUNCT
fsr-4052	56	1	the	the	DET
fsr-4052	56	2	more	more	ADV
fsr-4052	56	3	accurately	accurately	ADV
fsr-4052	56	4	participantfacing	participantface	VERB
fsr-4052	56	5	calculators	calculator	NOUN
fsr-4052	56	6	and	and	CCONJ
fsr-4052	56	7	financial	financial	ADJ
fsr-4052	56	8	plans	plan	NOUN
fsr-4052	56	9	represent	represent	VERB
fsr-4052	56	10	5	5	NUM
fsr-4052	56	11	in	in	ADP
fsr-4052	56	12	this	this	DET
fsr-4052	56	13	text	text	NOUN
fsr-4052	56	14	,	,	PUNCT
fsr-4052	56	15	“	"	PUNCT
fsr-4052	56	16	(	(	PUNCT
fsr-4052	56	17	-	-	PUNCT
fsr-4052	56	18	)	)	PUNCT
fsr-4052	56	19	”	"	PUNCT
fsr-4052	56	20	means	mean	VERB
fsr-4052	56	21	the	the	DET
fsr-4052	56	22	impact	impact	NOUN
fsr-4052	56	23	is	be	AUX
fsr-4052	56	24	negative	negative	ADJ
fsr-4052	56	25	(	(	PUNCT
fsr-4052	56	26	i.e.	i.e.	X
fsr-4052	56	27	,	,	PUNCT
fsr-4052	56	28	retire	retire	VERB
fsr-4052	56	29	earlier	early	ADV
fsr-4052	56	30	than	than	SCONJ
fsr-4052	56	31	expected	expect	VERB
fsr-4052	56	32	and	and	CCONJ
fsr-4052	56	33	“	"	PUNCT
fsr-4052	56	34	(	(	PUNCT
fsr-4052	56	35	+	+	NOUN
fsr-4052	56	36	)	)	PUNCT
fsr-4052	56	37	”	"	PUNCT
fsr-4052	56	38	means	mean	VERB
fsr-4052	56	39	retire	retire	NOUN
fsr-4052	56	40	later	later	ADV
fsr-4052	56	41	than	than	SCONJ
fsr-4052	56	42	expected	expect	VERB
fsr-4052	56	43	)	)	PUNCT
fsr-4052	56	44	.	.	PUNCT
fsr-4052	57	1	the	the	DET
fsr-4052	57	2	range	range	NOUN
fsr-4052	57	3	of	of	ADP
fsr-4052	57	4	outcomes	outcome	NOUN
fsr-4052	57	5	with	with	ADP
fsr-4052	57	6	associated	associated	ADJ
fsr-4052	57	7	probabilities	probability	NOUN
fsr-4052	57	8	,	,	PUNCT
fsr-4052	57	9	the	the	PRON
fsr-4052	57	10	more	more	ADV
fsr-4052	57	11	efficiently	efficiently	ADV
fsr-4052	57	12	they	they	PRON
fsr-4052	57	13	can	can	AUX
fsr-4052	57	14	help	help	VERB
fsr-4052	57	15	workers	worker	NOUN
fsr-4052	57	16	achieve	achieve	VERB
fsr-4052	57	17	a	a	DET
fsr-4052	57	18	successful	successful	ADJ
fsr-4052	57	19	retirement	retirement	NOUN
fsr-4052	57	20	.	.	PUNCT
fsr-4052	58	1	examining	examine	VERB
fsr-4052	58	2	the	the	DET
fsr-4052	58	3	prudential	prudential	NOUN
fsr-4052	58	4	and	and	CCONJ
fsr-4052	58	5	hrs	hrs	NOUN
fsr-4052	58	6	survey	survey	NOUN
fsr-4052	58	7	data	data	NOUN
fsr-4052	58	8	sets	set	NOUN
fsr-4052	58	9	,	,	PUNCT
fsr-4052	58	10	this	this	DET
fsr-4052	58	11	study	study	NOUN
fsr-4052	58	12	finds	find	VERB
fsr-4052	58	13	that	that	SCONJ
fsr-4052	58	14	the	the	DET
fsr-4052	58	15	covid-19	covid-19	PROPN
fsr-4052	58	16	pandemic	pandemic	NOUN
fsr-4052	58	17	did	do	AUX
fsr-4052	58	18	not	not	PART
fsr-4052	58	19	impact	impact	VERB
fsr-4052	58	20	older	old	ADJ
fsr-4052	58	21	americans	americans	PROPN
fsr-4052	58	22	’	’	PART
fsr-4052	58	23	retirement	retirement	NOUN
fsr-4052	58	24	expectations	expectation	NOUN
fsr-4052	58	25	significantly	significantly	ADV
fsr-4052	58	26	.	.	PUNCT
fsr-4052	59	1	however	however	ADV
fsr-4052	59	2	,	,	PUNCT
fsr-4052	59	3	acknowledging	acknowledge	VERB
fsr-4052	59	4	that	that	SCONJ
fsr-4052	59	5	other	other	ADJ
fsr-4052	59	6	factors	factor	NOUN
fsr-4052	59	7	than	than	ADP
fsr-4052	59	8	covid-19	covid-19	PROPN
fsr-4052	59	9	(	(	PUNCT
fsr-4052	59	10	or	or	CCONJ
fsr-4052	59	11	other	other	ADJ
fsr-4052	59	12	significant	significant	ADJ
fsr-4052	59	13	events	event	NOUN
fsr-4052	59	14	)	)	PUNCT
fsr-4052	59	15	do	do	AUX
fsr-4052	59	16	meaningfully	meaningfully	ADV
fsr-4052	59	17	influence	influence	VERB
fsr-4052	59	18	both	both	DET
fsr-4052	59	19	expectations	expectation	NOUN
fsr-4052	59	20	and	and	CCONJ
fsr-4052	59	21	outcomes	outcome	NOUN
fsr-4052	59	22	,	,	PUNCT
fsr-4052	59	23	the	the	DET
fsr-4052	59	24	study	study	NOUN
fsr-4052	59	25	investigates	investigate	VERB
fsr-4052	59	26	different	different	ADJ
fsr-4052	59	27	socioeconomic	socioeconomic	ADJ
fsr-4052	59	28	and	and	CCONJ
fsr-4052	59	29	demographic	demographic	ADJ
fsr-4052	59	30	factors	factor	NOUN
fsr-4052	59	31	that	that	PRON
fsr-4052	59	32	impact	impact	VERB
fsr-4052	59	33	older	old	ADJ
fsr-4052	59	34	americans	american	NOUN
fsr-4052	59	35	’	’	PART
fsr-4052	59	36	actual	actual	ADJ
fsr-4052	59	37	and	and	CCONJ
fsr-4052	59	38	expected	expect	VERB
fsr-4052	59	39	retirement	retirement	NOUN
fsr-4052	59	40	ages	age	NOUN
fsr-4052	59	41	,	,	PUNCT
fsr-4052	59	42	as	as	ADV
fsr-4052	59	43	well	well	ADV
fsr-4052	59	44	as	as	ADP
fsr-4052	59	45	the	the	DET
fsr-4052	59	46	gaps	gap	NOUN
fsr-4052	59	47	between	between	ADP
fsr-4052	59	48	the	the	DET
fsr-4052	59	49	two	two	NUM
fsr-4052	59	50	.	.	PUNCT
fsr-4052	60	1	both	both	DET
fsr-4052	60	2	sets	set	NOUN
fsr-4052	60	3	of	of	ADP
fsr-4052	60	4	results	result	NOUN
fsr-4052	60	5	indicate	indicate	VERB
fsr-4052	60	6	that	that	SCONJ
fsr-4052	60	7	more	more	ADJ
fsr-4052	60	8	than	than	ADP
fsr-4052	60	9	half	half	NOUN
fsr-4052	60	10	of	of	ADP
fsr-4052	60	11	the	the	DET
fsr-4052	60	12	participants	participant	NOUN
fsr-4052	60	13	retire	retire	VERB
fsr-4052	60	14	earlier	early	ADV
fsr-4052	60	15	than	than	SCONJ
fsr-4052	60	16	they	they	PRON
fsr-4052	60	17	expected	expect	VERB
fsr-4052	60	18	.	.	PUNCT
fsr-4052	61	1	the	the	DET
fsr-4052	61	2	most	most	ADV
fsr-4052	61	3	significant	significant	ADJ
fsr-4052	61	4	factors	factor	NOUN
fsr-4052	61	5	that	that	PRON
fsr-4052	61	6	influence	influence	NOUN
fsr-4052	61	7	participants	participant	NOUN
fsr-4052	61	8	’	'	PUNCT
fsr-4052	61	9	retirement	retirement	NOUN
fsr-4052	61	10	decisions	decision	NOUN
fsr-4052	61	11	relative	relative	ADJ
fsr-4052	61	12	to	to	ADP
fsr-4052	61	13	expectations	expectation	NOUN
fsr-4052	61	14	are	be	AUX
fsr-4052	61	15	health	health	NOUN
fsr-4052	61	16	,	,	PUNCT
fsr-4052	61	17	wealth	wealth	NOUN
fsr-4052	61	18	,	,	PUNCT
fsr-4052	61	19	age	age	NOUN
fsr-4052	61	20	,	,	PUNCT
fsr-4052	61	21	change	change	NOUN
fsr-4052	61	22	of	of	ADP
fsr-4052	61	23	marital	marital	ADJ
fsr-4052	61	24	status	status	NOUN
fsr-4052	61	25	,	,	PUNCT
fsr-4052	61	26	mortality	mortality	NOUN
fsr-4052	61	27	expectations	expectation	NOUN
fsr-4052	61	28	,	,	PUNCT
fsr-4052	61	29	education	education	NOUN
fsr-4052	61	30	levels	level	NOUN
fsr-4052	61	31	,	,	PUNCT
fsr-4052	61	32	disability	disability	NOUN
fsr-4052	61	33	,	,	PUNCT
fsr-4052	61	34	and	and	CCONJ
fsr-4052	61	35	major	major	ADJ
fsr-4052	61	36	illness	illness	NOUN
fsr-4052	61	37	diagnosis	diagnosis	NOUN
fsr-4052	61	38	.	.	PUNCT
fsr-4052	62	1	understanding	understanding	NOUN
fsr-4052	62	2	and	and	CCONJ
fsr-4052	62	3	better	well	ADV
fsr-4052	62	4	capturing	capture	VERB
fsr-4052	62	5	the	the	DET
fsr-4052	62	6	influence	influence	NOUN
fsr-4052	62	7	of	of	ADP
fsr-4052	62	8	these	these	DET
fsr-4052	62	9	factors	factor	NOUN
fsr-4052	62	10	can	can	AUX
fsr-4052	62	11	help	help	VERB
fsr-4052	62	12	the	the	DET
fsr-4052	62	13	retirement	retirement	NOUN
fsr-4052	62	14	benefits	benefit	NOUN
fsr-4052	62	15	community	community	NOUN
fsr-4052	62	16	explore	explore	VERB
fsr-4052	62	17	strategies	strategy	NOUN
fsr-4052	62	18	to	to	PART
fsr-4052	62	19	mitigate	mitigate	VERB
fsr-4052	62	20	the	the	DET
fsr-4052	62	21	negative	negative	ADJ
fsr-4052	62	22	consequences	consequence	NOUN
fsr-4052	62	23	of	of	ADP
fsr-4052	62	24	individuals	individual	NOUN
fsr-4052	62	25	’	'	PUNCT
fsr-4052	62	26	inaccurate	inaccurate	ADJ
fsr-4052	62	27	retirement	retirement	NOUN
fsr-4052	62	28	expectations	expectation	NOUN
fsr-4052	62	29	upon	upon	SCONJ
fsr-4052	62	30	their	their	PRON
fsr-4052	62	31	retirement	retirement	NOUN
fsr-4052	62	32	outcomes	outcome	NOUN
fsr-4052	62	33	.	.	PUNCT
fsr-4052	63	1	covid-19	covid-19	PROPN
fsr-4052	63	2	was	be	AUX
fsr-4052	63	3	a	a	DET
fsr-4052	63	4	nonevent	nonevent	NOUN
fsr-4052	63	5	for	for	ADP
fsr-4052	63	6	retirement	retirement	NOUN
fsr-4052	63	7	age	age	NOUN
fsr-4052	63	8	expectations	expectation	NOUN
fsr-4052	63	9	based	base	VERB
fsr-4052	63	10	on	on	ADP
fsr-4052	63	11	the	the	DET
fsr-4052	63	12	survey	survey	NOUN
fsr-4052	63	13	data	datum	NOUN
fsr-4052	63	14	from	from	ADP
fsr-4052	63	15	prudential	prudential	PROPN
fsr-4052	63	16	financial	financial	PROPN
fsr-4052	63	17	,	,	PUNCT
fsr-4052	63	18	retirement	retirement	NOUN
fsr-4052	63	19	age	age	NOUN
fsr-4052	63	20	expectations	expectation	NOUN
fsr-4052	63	21	are	be	AUX
fsr-4052	63	22	relatively	relatively	ADV
fsr-4052	63	23	sticky	sticky	ADJ
fsr-4052	63	24	,	,	PUNCT
fsr-4052	63	25	especially	especially	ADV
fsr-4052	63	26	among	among	ADP
fsr-4052	63	27	older	old	ADJ
fsr-4052	63	28	households	household	NOUN
fsr-4052	63	29	.	.	PUNCT
fsr-4052	64	1	figure	figure	NOUN
fsr-4052	64	2	1	1	NUM
fsr-4052	64	3	shows	show	VERB
fsr-4052	64	4	the	the	DET
fsr-4052	64	5	average	average	ADJ
fsr-4052	64	6	expected	expect	VERB
fsr-4052	64	7	retirement	retirement	NOUN
fsr-4052	64	8	age	age	NOUN
fsr-4052	64	9	by	by	ADP
fsr-4052	64	10	month	month	NOUN
fsr-4052	64	11	and	and	CCONJ
fsr-4052	64	12	age	age	NOUN
fsr-4052	64	13	group	group	NOUN
fsr-4052	64	14	.	.	PUNCT
fsr-4052	65	1	note	note	VERB
fsr-4052	65	2	that	that	SCONJ
fsr-4052	65	3	these	these	PRON
fsr-4052	65	4	are	be	AUX
fsr-4052	65	5	independent	independent	ADJ
fsr-4052	65	6	observations	observation	NOUN
fsr-4052	65	7	and	and	CCONJ
fsr-4052	65	8	are	be	AUX
fsr-4052	65	9	highly	highly	ADV
fsr-4052	65	10	unlikely	unlikely	ADJ
fsr-4052	65	11	to	to	PART
fsr-4052	65	12	be	be	AUX
fsr-4052	65	13	the	the	DET
fsr-4052	65	14	same	same	ADJ
fsr-4052	65	15	individual	individual	NOUN
fsr-4052	65	16	over	over	ADP
fsr-4052	65	17	time	time	NOUN
fsr-4052	65	18	(	(	PUNCT
fsr-4052	65	19	although	although	SCONJ
fsr-4052	65	20	theoretically	theoretically	ADV
fsr-4052	65	21	possible	possible	ADJ
fsr-4052	65	22	)	)	PUNCT
fsr-4052	65	23	.	.	PUNCT
fsr-4052	66	1	the	the	DET
fsr-4052	66	2	fluctuations	fluctuation	NOUN
fsr-4052	66	3	during	during	ADP
fsr-4052	66	4	and	and	CCONJ
fsr-4052	66	5	shortly	shortly	ADV
fsr-4052	66	6	after	after	ADP
fsr-4052	66	7	the	the	DET
fsr-4052	66	8	covid-19	covid-19	PROPN
fsr-4052	66	9	period	period	NOUN
fsr-4052	66	10	are	be	AUX
fsr-4052	66	11	not	not	PART
fsr-4052	66	12	significantly	significantly	ADV
fsr-4052	66	13	larger	large	ADJ
fsr-4052	66	14	than	than	ADP
fsr-4052	66	15	those	those	PRON
fsr-4052	66	16	before	before	ADP
fsr-4052	66	17	the	the	DET
fsr-4052	66	18	pandemic	pandemic	ADJ
fsr-4052	66	19	period	period	NOUN
fsr-4052	66	20	.	.	PUNCT
fsr-4052	67	1	meanwhile	meanwhile	ADV
fsr-4052	67	2	,	,	PUNCT
fsr-4052	67	3	although	although	SCONJ
fsr-4052	67	4	different	different	ADJ
fsr-4052	67	5	ages	age	NOUN
fsr-4052	67	6	responded	respond	VERB
fsr-4052	67	7	differently	differently	ADV
fsr-4052	67	8	,	,	PUNCT
fsr-4052	67	9	their	their	PRON
fsr-4052	67	10	responses	response	NOUN
fsr-4052	67	11	within	within	ADP
fsr-4052	67	12	age	age	NOUN
fsr-4052	67	13	groups	group	NOUN
fsr-4052	67	14	did	do	AUX
fsr-4052	67	15	not	not	PART
fsr-4052	67	16	differ	differ	VERB
fsr-4052	67	17	meaningfully	meaningfully	ADV
fsr-4052	67	18	during	during	ADP
fsr-4052	67	19	vs.	vs.	CCONJ
fsr-4052	67	20	shortly	shortly	ADV
fsr-4052	67	21	before	before	ADP
fsr-4052	67	22	and	and	CCONJ
fsr-4052	67	23	after	after	ADP
fsr-4052	67	24	the	the	DET
fsr-4052	67	25	covid-19	covid-19	PROPN
fsr-4052	67	26	period	period	NOUN
fsr-4052	67	27	.	.	PUNCT
fsr-4052	68	1	financial	financial	ADJ
fsr-4052	68	2	services	service	NOUN
fsr-4052	68	3	review	review	PROPN
fsr-4052	68	4	,	,	PUNCT
fsr-4052	68	5	33(1	33(1	NUM
fsr-4052	68	6	)	)	PUNCT
fsr-4052	68	7	31	31	NUM
fsr-4052	68	8	figure	figure	NOUN
fsr-4052	68	9	1	1	NUM
fsr-4052	68	10	.	.	PUNCT
fsr-4052	68	11	average	average	ADJ
fsr-4052	68	12	expected	expect	VERB
fsr-4052	68	13	retirement	retirement	NOUN
fsr-4052	68	14	age	age	NOUN
fsr-4052	68	15	by	by	ADP
fsr-4052	68	16	month	month	NOUN
fsr-4052	68	17	and	and	CCONJ
fsr-4052	68	18	respondent	respondent	NOUN
fsr-4052	68	19	age	age	NOUN
fsr-4052	68	20	group	group	NOUN
fsr-4052	68	21	(	(	PUNCT
fsr-4052	68	22	prudential	prudential	PROPN
fsr-4052	68	23	data	data	PROPN
fsr-4052	68	24	)	)	PUNCT
fsr-4052	68	25	prevalent	prevalent	ADJ
fsr-4052	68	26	change	change	NOUN
fsr-4052	68	27	in	in	ADP
fsr-4052	68	28	expected	expect	VERB
fsr-4052	68	29	retirement	retirement	NOUN
fsr-4052	68	30	age	age	NOUN
fsr-4052	68	31	during	during	ADP
fsr-4052	68	32	covid-19	covid-19	PROPN
fsr-4052	68	33	is	be	AUX
fsr-4052	68	34	not	not	PART
fsr-4052	68	35	observed	observe	VERB
fsr-4052	68	36	from	from	ADP
fsr-4052	68	37	figure	figure	NOUN
fsr-4052	68	38	1	1	NUM
fsr-4052	68	39	above	above	ADV
fsr-4052	68	40	,	,	PUNCT
fsr-4052	68	41	especially	especially	ADV
fsr-4052	68	42	among	among	ADP
fsr-4052	68	43	the	the	DET
fsr-4052	68	44	older	old	ADJ
fsr-4052	68	45	age	age	NOUN
fsr-4052	68	46	cohorts	cohort	NOUN
fsr-4052	68	47	.	.	PUNCT
fsr-4052	69	1	figure	figure	VERB
fsr-4052	69	2	2	2	NUM
fsr-4052	69	3	further	far	ADV
fsr-4052	69	4	supports	support	VERB
fsr-4052	69	5	this	this	DET
fsr-4052	69	6	observation	observation	NOUN
fsr-4052	69	7	by	by	ADP
fsr-4052	69	8	showing	show	VERB
fsr-4052	69	9	the	the	DET
fsr-4052	69	10	month	month	NOUN
fsr-4052	69	11	coefficient	coefficient	NOUN
fsr-4052	69	12	of	of	ADP
fsr-4052	69	13	an	an	DET
fsr-4052	69	14	ols	ol	NOUN
fsr-4052	69	15	regression6	regression6	NOUN
fsr-4052	69	16	where	where	SCONJ
fsr-4052	69	17	the	the	DET
fsr-4052	69	18	dependent	dependent	ADJ
fsr-4052	69	19	variable	variable	NOUN
fsr-4052	69	20	is	be	AUX
fsr-4052	69	21	retirement	retirement	NOUN
fsr-4052	69	22	age	age	NOUN
fsr-4052	69	23	expectation	expectation	NOUN
fsr-4052	69	24	.	.	PUNCT
fsr-4052	70	1	the	the	DET
fsr-4052	70	2	independent	independent	ADJ
fsr-4052	70	3	variables	variable	NOUN
fsr-4052	70	4	include	include	VERB
fsr-4052	70	5	age	age	NOUN
fsr-4052	70	6	,	,	PUNCT
fsr-4052	70	7	gender	gender	NOUN
fsr-4052	70	8	,	,	PUNCT
fsr-4052	70	9	marital	marital	ADJ
fsr-4052	70	10	status	status	NOUN
fsr-4052	70	11	,	,	PUNCT
fsr-4052	70	12	and	and	CCONJ
fsr-4052	70	13	income	income	NOUN
fsr-4052	70	14	,	,	PUNCT
fsr-4052	70	15	etc	etc	X
fsr-4052	70	16	.	.	X
fsr-4052	71	1	6	6	NUM
fsr-4052	71	2	see	see	VERB
fsr-4052	71	3	appendix	appendix	ADJ
fsr-4052	71	4	table	table	NOUN
fsr-4052	71	5	3	3	NUM
fsr-4052	71	6	for	for	ADP
fsr-4052	71	7	the	the	DET
fsr-4052	71	8	detailed	detailed	ADJ
fsr-4052	71	9	ols	ol	NOUN
fsr-4052	71	10	regression	regression	NOUN
fsr-4052	71	11	results	result	NOUN
fsr-4052	71	12	.	.	PUNCT
fsr-4052	72	1	the	the	DET
fsr-4052	72	2	average	average	ADJ
fsr-4052	72	3	expected	expect	VERB
fsr-4052	72	4	retirement	retirement	NOUN
fsr-4052	72	5	age	age	NOUN
fsr-4052	72	6	change	change	NOUN
fsr-4052	72	7	is	be	AUX
fsr-4052	72	8	captured	capture	VERB
fsr-4052	72	9	by	by	ADP
fsr-4052	72	10	the	the	DET
fsr-4052	72	11	difference	difference	NOUN
fsr-4052	72	12	between	between	ADP
fsr-4052	72	13	the	the	DET
fsr-4052	72	14	monthly	monthly	ADJ
fsr-4052	72	15	variable	variable	ADJ
fsr-4052	72	16	coefficients	coefficient	NOUN
fsr-4052	72	17	minus	minus	ADP
fsr-4052	72	18	the	the	DET
fsr-4052	72	19	average	average	ADJ
fsr-4052	72	20	value	value	NOUN
fsr-4052	72	21	of	of	ADP
fsr-4052	72	22	these	these	DET
fsr-4052	72	23	months	month	NOUN
fsr-4052	72	24	.	.	PUNCT
fsr-4052	73	1	62	62	NUM
fsr-4052	73	2	63	63	NUM
fsr-4052	73	3	64	64	NUM
fsr-4052	73	4	65	65	NUM
fsr-4052	73	5	66	66	NUM
fsr-4052	73	6	67	67	NUM
fsr-4052	73	7	68	68	NUM
fsr-4052	73	8	69	69	NUM
fsr-4052	73	9	70	70	NUM
fsr-4052	73	10	jul-18	jul-18	NUM
fsr-4052	73	11	jan-19	jan-19	NOUN
fsr-4052	73	12	aug-19	aug-19	ADP
fsr-4052	73	13	feb-20	feb-20	NOUN
fsr-4052	73	14	sep-20	sep-20	NOUN
fsr-4052	73	15	mar-21	mar-21	NUM
fsr-4052	73	16	oct-21	oct-21	PROPN
fsr-4052	73	17	a	a	DET
fsr-4052	73	18	ve	ve	VERB
fsr-4052	73	19	ra	ra	NOUN
fsr-4052	73	20	ge	ge	PROPN
fsr-4052	74	1	r	r	NOUN
fsr-4052	74	2	et	et	PROPN
fsr-4052	74	3	ir	ir	VERB
fsr-4052	74	4	em	em	PRON
fsr-4052	74	5	en	en	PROPN
fsr-4052	74	6	t	t	PROPN
fsr-4052	74	7	a	a	DET
fsr-4052	74	8	ge	ge	PROPN
fsr-4052	74	9	survey	survey	PROPN
fsr-4052	74	10	month	month	NOUN
fsr-4052	74	11	45	45	NUM
fsr-4052	74	12	-	-	SYM
fsr-4052	74	13	49	49	NUM
fsr-4052	74	14	50	50	NUM
fsr-4052	74	15	-	-	SYM
fsr-4052	74	16	54	54	NUM
fsr-4052	74	17	55	55	NUM
fsr-4052	74	18	-	-	SYM
fsr-4052	74	19	59	59	NUM
fsr-4052	74	20	60	60	NUM
fsr-4052	74	21	-	-	SYM
fsr-4052	74	22	64	64	NUM
fsr-4052	74	23	65	65	NUM
fsr-4052	74	24	-	-	SYM
fsr-4052	74	25	70	70	NUM
fsr-4052	74	26	liu	liu	PROPN
fsr-4052	74	27	et	et	PROPN
fsr-4052	74	28	al	al	PROPN
fsr-4052	74	29	.	.	PROPN
fsr-4052	74	30	32	32	NUM
fsr-4052	74	31	figure	figure	NOUN
fsr-4052	74	32	2	2	NUM
fsr-4052	74	33	.	.	PUNCT
fsr-4052	74	34	ols	ol	NOUN
fsr-4052	74	35	month	month	PROPN
fsr-4052	74	36	coefficient	coefficient	NOUN
fsr-4052	74	37	,	,	PUNCT
fsr-4052	74	38	by	by	ADP
fsr-4052	74	39	month	month	NOUN
fsr-4052	74	40	and	and	CCONJ
fsr-4052	74	41	respondent	respondent	NOUN
fsr-4052	74	42	age	age	NOUN
fsr-4052	74	43	group	group	NOUN
fsr-4052	74	44	(	(	PUNCT
fsr-4052	74	45	prudential	prudential	PROPN
fsr-4052	74	46	data	data	PROPN
fsr-4052	74	47	)	)	PUNCT
fsr-4052	74	48	based	base	VERB
fsr-4052	74	49	on	on	ADP
fsr-4052	74	50	figure	figure	NOUN
fsr-4052	74	51	2	2	NUM
fsr-4052	74	52	,	,	PUNCT
fsr-4052	74	53	the	the	DET
fsr-4052	74	54	average	average	ADJ
fsr-4052	74	55	expected	expect	VERB
fsr-4052	74	56	retirement	retirement	NOUN
fsr-4052	74	57	age	age	NOUN
fsr-4052	74	58	increased	increase	VERB
fsr-4052	74	59	briefly	briefly	ADV
fsr-4052	74	60	during	during	ADP
fsr-4052	74	61	the	the	DET
fsr-4052	74	62	beginning	beginning	NOUN
fsr-4052	74	63	of	of	ADP
fsr-4052	74	64	the	the	DET
fsr-4052	74	65	covid-19	covid-19	PROPN
fsr-4052	74	66	pandemic	pandemic	NOUN
fsr-4052	74	67	.	.	PUNCT
fsr-4052	75	1	however	however	ADV
fsr-4052	75	2	,	,	PUNCT
fsr-4052	75	3	for	for	ADP
fsr-4052	75	4	older	old	ADJ
fsr-4052	75	5	cohorts	cohort	NOUN
fsr-4052	75	6	,	,	PUNCT
fsr-4052	75	7	the	the	DET
fsr-4052	75	8	change	change	NOUN
fsr-4052	75	9	is	be	AUX
fsr-4052	75	10	economically	economically	ADV
fsr-4052	75	11	insignificant	insignificant	ADJ
fsr-4052	75	12	and	and	CCONJ
fsr-4052	75	13	(	(	PUNCT
fsr-4052	75	14	observing	observe	VERB
fsr-4052	75	15	the	the	DET
fsr-4052	75	16	timing	timing	NOUN
fsr-4052	75	17	of	of	ADP
fsr-4052	75	18	the	the	DET
fsr-4052	75	19	increase	increase	NOUN
fsr-4052	75	20	followed	follow	VERB
fsr-4052	75	21	by	by	ADP
fsr-4052	75	22	its	its	PRON
fsr-4052	75	23	rapid	rapid	ADJ
fsr-4052	75	24	retreat	retreat	NOUN
fsr-4052	75	25	)	)	PUNCT
fsr-4052	75	26	may	may	AUX
fsr-4052	75	27	have	have	AUX
fsr-4052	75	28	been	be	AUX
fsr-4052	75	29	caused	cause	VERB
fsr-4052	75	30	by	by	ADP
fsr-4052	75	31	stock	stock	NOUN
fsr-4052	75	32	market	market	NOUN
fsr-4052	75	33	volatility	volatility	NOUN
fsr-4052	75	34	rather	rather	ADV
fsr-4052	75	35	than	than	ADP
fsr-4052	75	36	by	by	ADP
fsr-4052	75	37	covid-19	covid-19	PROPN
fsr-4052	75	38	.	.	PUNCT
fsr-4052	76	1	the	the	DET
fsr-4052	76	2	next	next	ADJ
fsr-4052	76	3	two	two	NUM
fsr-4052	76	4	exhibits	exhibit	NOUN
fsr-4052	76	5	show	show	VERB
fsr-4052	76	6	that	that	SCONJ
fsr-4052	76	7	in	in	ADP
fsr-4052	76	8	general	general	ADJ
fsr-4052	76	9	,	,	PUNCT
fsr-4052	76	10	there	there	PRON
fsr-4052	76	11	is	be	VERB
fsr-4052	76	12	a	a	DET
fsr-4052	76	13	natural	natural	ADJ
fsr-4052	76	14	upward	upward	ADJ
fsr-4052	76	15	trend	trend	NOUN
fsr-4052	76	16	for	for	SCONJ
fsr-4052	76	17	participants	participant	NOUN
fsr-4052	76	18	to	to	PART
fsr-4052	76	19	expect	expect	VERB
fsr-4052	76	20	a	a	DET
fsr-4052	76	21	later	later	ADJ
fsr-4052	76	22	and	and	CCONJ
fsr-4052	76	23	later	later	ADV
fsr-4052	76	24	retirement	retirement	NOUN
fsr-4052	76	25	age	age	NOUN
fsr-4052	76	26	when	when	SCONJ
fsr-4052	76	27	they	they	PRON
fsr-4052	76	28	are	be	AUX
fsr-4052	76	29	older	old	ADJ
fsr-4052	76	30	.	.	PUNCT
fsr-4052	77	1	however	however	ADV
fsr-4052	77	2	,	,	PUNCT
fsr-4052	77	3	this	this	DET
fsr-4052	77	4	natural	natural	ADJ
fsr-4052	77	5	trend	trend	NOUN
fsr-4052	77	6	of	of	ADP
fsr-4052	77	7	delaying	delay	VERB
fsr-4052	77	8	retirement	retirement	NOUN
fsr-4052	77	9	has	have	VERB
fsr-4052	77	10	no	no	DET
fsr-4052	77	11	statistically	statistically	ADV
fsr-4052	77	12	significant	significant	ADJ
fsr-4052	77	13	relationship7	relationship7	NOUN
fsr-4052	77	14	with	with	ADP
fsr-4052	77	15	the	the	DET
fsr-4052	77	16	covid-19	covid-19	PROPN
fsr-4052	77	17	pandemic	pandemic	NOUN
fsr-4052	77	18	.	.	PUNCT
fsr-4052	78	1	7	7	NUM
fsr-4052	78	2	tested	test	VERB
fsr-4052	78	3	with	with	ADP
fsr-4052	78	4	both	both	DET
fsr-4052	78	5	ols	ol	NOUN
fsr-4052	78	6	and	and	CCONJ
fsr-4052	78	7	did	do	VERB
fsr-4052	78	8	(	(	PUNCT
fsr-4052	78	9	difference	difference	NOUN
fsr-4052	78	10	in	in	ADP
fsr-4052	78	11	difference	difference	NOUN
fsr-4052	78	12	)	)	PUNCT
fsr-4052	78	13	regressions	regression	NOUN
fsr-4052	78	14	in	in	ADP
fsr-4052	78	15	the	the	DET
fsr-4052	78	16	appendix	appendix	NOUN
fsr-4052	78	17	.	.	PUNCT
fsr-4052	79	1	see	see	VERB
fsr-4052	79	2	appendix	appendix	ADJ
fsr-4052	79	3	table	table	NOUN
fsr-4052	79	4	1	1	NUM
fsr-4052	79	5	and	and	CCONJ
fsr-4052	79	6	table	table	NOUN
fsr-4052	79	7	2	2	NUM
fsr-4052	79	8	for	for	ADP
fsr-4052	79	9	more	more	ADJ
fsr-4052	79	10	details	detail	NOUN
fsr-4052	79	11	.	.	PUNCT
fsr-4052	80	1	-1	-1	PUNCT
fsr-4052	81	1	-0.8	-0.8	PROPN
fsr-4052	81	2	-0.6	-0.6	PROPN
fsr-4052	81	3	-0.4	-0.4	X
fsr-4052	81	4	-0.2	-0.2	PROPN
fsr-4052	81	5	0	0	NUM
fsr-4052	81	6	0.2	0.2	NUM
fsr-4052	81	7	0.4	0.4	NUM
fsr-4052	81	8	0.6	0.6	NUM
fsr-4052	81	9	0.8	0.8	NUM
fsr-4052	81	10	1	1	NUM
fsr-4052	81	11	jan-19	jan-19	ADP
fsr-4052	81	12	apr-19	apr-19	PROPN
fsr-4052	81	13	jul-19	jul-19	PROPN
fsr-4052	81	14	oct-19	oct-19	PROPN
fsr-4052	81	15	jan-20	jan-20	DET
fsr-4052	81	16	apr-20	apr-20	ADP
fsr-4052	81	17	jul-20	jul-20	NOUN
fsr-4052	81	18	oct-20	oct-20	ADP
fsr-4052	81	19	jan-21	jan-21	NOUN
fsr-4052	81	20	apr-21	apr-21	PROPN
fsr-4052	81	21	jul-21	jul-21	VERB
fsr-4052	81	22	o	o	NOUN
fsr-4052	81	23	ls	ls	INTJ
fsr-4052	81	24	c	c	NOUN
fsr-4052	81	25	o	o	X
fsr-4052	81	26	ef	ef	PROPN
fsr-4052	81	27	fi	fi	PROPN
fsr-4052	81	28	ci	ci	PROPN
fsr-4052	81	29	en	en	PROPN
fsr-4052	81	30	t	t	PROPN
fsr-4052	81	31	:	:	PUNCT
fsr-4052	81	32	a	a	DET
fsr-4052	81	33	ve	ve	VERB
fsr-4052	81	34	ra	ra	NOUN
fsr-4052	81	35	ge	ge	PROPN
fsr-4052	81	36	e	e	PROPN
fsr-4052	81	37	xp	xp	PROPN
fsr-4052	81	38	ec	ec	PROPN
fsr-4052	81	39	te	te	PROPN
fsr-4052	81	40	d	d	NOUN
fsr-4052	81	41	r	r	NOUN
fsr-4052	81	42	e	e	X
fsr-4052	81	43	ti	ti	X
fsr-4052	81	44	re	re	VERB
fsr-4052	81	45	m	m	PROPN
fsr-4052	81	46	n	n	PRON
fsr-4052	81	47	t	t	PROPN
fsr-4052	81	48	a	a	DET
fsr-4052	81	49	ge	ge	PROPN
fsr-4052	81	50	c	c	PROPN
fsr-4052	81	51	h	h	PROPN
fsr-4052	81	52	an	an	DET
fsr-4052	81	53	ge	ge	PROPN
fsr-4052	81	54	in	in	ADP
fsr-4052	81	55	y	y	PROPN
fsr-4052	81	56	e	e	PROPN
fsr-4052	81	57	ar	ar	PROPN
fsr-4052	81	58	s	s	PROPN
fsr-4052	81	59	survey	survey	NOUN
fsr-4052	81	60	month	month	NOUN
fsr-4052	81	61	40	40	NUM
fsr-4052	81	62	-	-	SYM
fsr-4052	81	63	49	49	NUM
fsr-4052	81	64	50	50	NUM
fsr-4052	81	65	-	-	SYM
fsr-4052	81	66	59	59	NUM
fsr-4052	81	67	60	60	NUM
fsr-4052	81	68	-	-	PUNCT
fsr-4052	81	69	70	70	NUM
fsr-4052	81	70	financial	financial	ADJ
fsr-4052	81	71	services	service	NOUN
fsr-4052	81	72	review	review	NOUN
fsr-4052	81	73	,	,	PUNCT
fsr-4052	81	74	33(1	33(1	NUM
fsr-4052	81	75	)	)	PUNCT
fsr-4052	81	76	33	33	NUM
fsr-4052	81	77	figure	figure	NOUN
fsr-4052	81	78	3	3	NUM
fsr-4052	81	79	.	.	PUNCT
fsr-4052	81	80	average	average	ADJ
fsr-4052	81	81	expected	expect	VERB
fsr-4052	81	82	retirement	retirement	NOUN
fsr-4052	81	83	age	age	NOUN
fsr-4052	81	84	by	by	ADP
fsr-4052	81	85	respondent	respondent	NOUN
fsr-4052	81	86	age	age	NOUN
fsr-4052	81	87	(	(	PUNCT
fsr-4052	81	88	prudential	prudential	PROPN
fsr-4052	81	89	data	data	PROPN
fsr-4052	81	90	)	)	PUNCT
fsr-4052	81	91	figure	figure	NOUN
fsr-4052	81	92	4	4	NUM
fsr-4052	81	93	:	:	PUNCT
fsr-4052	81	94	average	average	ADJ
fsr-4052	81	95	expected	expect	VERB
fsr-4052	81	96	retirement	retirement	NOUN
fsr-4052	81	97	age	age	NOUN
fsr-4052	81	98	by	by	ADP
fsr-4052	81	99	respondent	respondent	NOUN
fsr-4052	81	100	age	age	NOUN
fsr-4052	81	101	(	(	PUNCT
fsr-4052	81	102	hrs	hrs	NOUN
fsr-4052	81	103	data	data	PROPN
fsr-4052	81	104	)	)	PUNCT
fsr-4052	81	105	retirement	retirement	NOUN
fsr-4052	81	106	expectations	expectation	NOUN
fsr-4052	81	107	vs.	vs.	ADP
fsr-4052	81	108	realities	reality	NOUN
fsr-4052	81	109	:	:	PUNCT
fsr-4052	81	110	factors	factor	NOUN
fsr-4052	81	111	that	that	PRON
fsr-4052	81	112	impact	impact	VERB
fsr-4052	81	113	retirement	retirement	NOUN
fsr-4052	81	114	decisions	decision	NOUN
fsr-4052	81	115	if	if	SCONJ
fsr-4052	81	116	covid-19	covid-19	PROPN
fsr-4052	81	117	did	do	AUX
fsr-4052	81	118	not	not	PART
fsr-4052	81	119	alter	alter	VERB
fsr-4052	81	120	participants	participant	NOUN
fsr-4052	81	121	’	'	PUNCT
fsr-4052	81	122	retirement	retirement	NOUN
fsr-4052	81	123	expectations	expectation	NOUN
fsr-4052	81	124	significantly	significantly	ADV
fsr-4052	81	125	,	,	PUNCT
fsr-4052	81	126	what	what	PRON
fsr-4052	81	127	does	do	VERB
fsr-4052	81	128	?	?	PUNCT
fsr-4052	82	1	also	also	ADV
fsr-4052	82	2	,	,	PUNCT
fsr-4052	82	3	are	be	AUX
fsr-4052	82	4	there	there	PRON
fsr-4052	82	5	significant	significant	ADJ
fsr-4052	82	6	gaps	gap	NOUN
fsr-4052	82	7	between	between	ADP
fsr-4052	82	8	expected	expect	VERB
fsr-4052	82	9	and	and	CCONJ
fsr-4052	82	10	actual	actual	ADJ
fsr-4052	82	11	retirement	retirement	NOUN
fsr-4052	82	12	ages	age	NOUN
fsr-4052	82	13	?	?	PUNCT
fsr-4052	83	1	next	next	ADV
fsr-4052	83	2	,	,	PUNCT
fsr-4052	83	3	this	this	DET
fsr-4052	83	4	study	study	NOUN
fsr-4052	83	5	focuses	focus	VERB
fsr-4052	83	6	on	on	ADP
fsr-4052	83	7	investigating	investigate	VERB
fsr-4052	83	8	the	the	DET
fsr-4052	83	9	different	different	ADJ
fsr-4052	83	10	socioeconomic	socioeconomic	ADJ
fsr-4052	83	11	and	and	CCONJ
fsr-4052	83	12	demographic	demographic	ADJ
fsr-4052	83	13	factors	factor	NOUN
fsr-4052	83	14	that	that	PRON
fsr-4052	83	15	could	could	AUX
fsr-4052	83	16	potentially	potentially	ADV
fsr-4052	83	17	impact	impact	VERB
fsr-4052	83	18	older	old	ADJ
fsr-4052	83	19	american	american	ADJ
fsr-4052	83	20	adults	adult	NOUN
fsr-4052	83	21	’	'	PUNCT
fsr-4052	83	22	expected	expect	VERB
fsr-4052	83	23	and	and	CCONJ
fsr-4052	83	24	actual	actual	ADJ
fsr-4052	83	25	retirement	retirement	NOUN
fsr-4052	83	26	ages	age	NOUN
fsr-4052	83	27	,	,	PUNCT
fsr-4052	83	28	using	use	VERB
fsr-4052	83	29	the	the	DET
fsr-4052	83	30	longitudinal	longitudinal	ADJ
fsr-4052	83	31	hrs	hrs	NOUN
fsr-4052	83	32	data	datum	NOUN
fsr-4052	83	33	.	.	PUNCT
fsr-4052	84	1	it	it	PRON
fsr-4052	84	2	also	also	ADV
fsr-4052	84	3	examines	examine	VERB
fsr-4052	84	4	how	how	SCONJ
fsr-4052	84	5	the	the	DET
fsr-4052	84	6	change	change	NOUN
fsr-4052	84	7	of	of	ADP
fsr-4052	84	8	these	these	DET
fsr-4052	84	9	factors	factor	NOUN
fsr-4052	84	10	shifts	shift	NOUN
fsr-4052	84	11	the	the	DET
fsr-4052	84	12	gaps	gap	NOUN
fsr-4052	84	13	between	between	ADP
fsr-4052	84	14	the	the	DET
fsr-4052	84	15	participants	participant	NOUN
fsr-4052	84	16	’	’	PART
fsr-4052	84	17	retirement	retirement	NOUN
fsr-4052	84	18	expectations	expectation	NOUN
fsr-4052	84	19	and	and	CCONJ
fsr-4052	84	20	reality	reality	NOUN
fsr-4052	84	21	.	.	PUNCT
fsr-4052	85	1	in	in	ADP
fsr-4052	85	2	the	the	DET
fsr-4052	85	3	hrs	hrs	NOUN
fsr-4052	85	4	data	data	NOUN
fsr-4052	85	5	,	,	PUNCT
fsr-4052	85	6	participants	participant	NOUN
fsr-4052	85	7	’	'	PUNCT
fsr-4052	85	8	retirement	retirement	NOUN
fsr-4052	85	9	records	record	NOUN
fsr-4052	85	10	are	be	AUX
fsr-4052	85	11	tracked	track	VERB
fsr-4052	85	12	from	from	ADP
fsr-4052	85	13	1992	1992	NUM
fsr-4052	85	14	to	to	ADP
fsr-4052	85	15	2018	2018	NUM
fsr-4052	85	16	,	,	PUNCT
fsr-4052	85	17	during	during	ADP
fsr-4052	85	18	which	which	DET
fsr-4052	85	19	period	period	NOUN
fsr-4052	85	20	some	some	DET
fsr-4052	85	21	participants	participant	NOUN
fsr-4052	85	22	retired	retire	VERB
fsr-4052	85	23	and	and	CCONJ
fsr-4052	85	24	then	then	ADV
fsr-4052	85	25	went	go	VERB
fsr-4052	85	26	back	back	ADV
fsr-4052	85	27	to	to	AUX
fsr-4052	85	28	work	work	NOUN
fsr-4052	85	29	one	one	NUM
fsr-4052	85	30	or	or	CCONJ
fsr-4052	85	31	more	more	ADJ
fsr-4052	85	32	times	time	NOUN
fsr-4052	85	33	.	.	PUNCT
fsr-4052	86	1	therefore	therefore	ADV
fsr-4052	86	2	,	,	PUNCT
fsr-4052	86	3	we	we	PRON
fsr-4052	86	4	created	create	VERB
fsr-4052	86	5	four	four	NUM
fsr-4052	86	6	possible	possible	ADJ
fsr-4052	86	7	definitions	definition	NOUN
fsr-4052	86	8	for	for	ADP
fsr-4052	86	9	“	"	PUNCT
fsr-4052	86	10	actual	actual	ADJ
fsr-4052	86	11	”	"	PUNCT
fsr-4052	86	12	retirement	retirement	NOUN
fsr-4052	86	13	ages	age	NOUN
fsr-4052	86	14	from	from	ADP
fsr-4052	86	15	the	the	DET
fsr-4052	86	16	hrs	hrs	NOUN
fsr-4052	86	17	:	:	PUNCT
fsr-4052	86	18	60	60	NUM
fsr-4052	86	19	61	61	NUM
fsr-4052	86	20	62	62	NUM
fsr-4052	86	21	63	63	NUM
fsr-4052	86	22	64	64	NUM
fsr-4052	86	23	65	65	NUM
fsr-4052	86	24	66	66	NUM
fsr-4052	86	25	67	67	NUM
fsr-4052	86	26	68	68	NUM
fsr-4052	86	27	69	69	NUM
fsr-4052	86	28	70	70	NUM
fsr-4052	86	29	35	35	NUM
fsr-4052	86	30	40	40	NUM
fsr-4052	86	31	45	45	NUM
fsr-4052	86	32	50	50	NUM
fsr-4052	86	33	55	55	NUM
fsr-4052	86	34	60	60	NUM
fsr-4052	86	35	65	65	NUM
fsr-4052	86	36	70	70	NUM
fsr-4052	86	37	a	a	DET
fsr-4052	86	38	ve	ve	NOUN
fsr-4052	86	39	ra	ra	NOUN
fsr-4052	86	40	ge	ge	PROPN
fsr-4052	87	1	e	e	PROPN
fsr-4052	87	2	xp	xp	PROPN
fsr-4052	87	3	ec	ec	PROPN
fsr-4052	88	1	te	te	PROPN
fsr-4052	88	2	d	d	X
fsr-4052	88	3	r	r	VERB
fsr-4052	88	4	et	et	NOUN
fsr-4052	88	5	ir	ir	VERB
fsr-4052	88	6	em	em	PRON
fsr-4052	88	7	en	en	PROPN
fsr-4052	88	8	t	t	PROPN
fsr-4052	88	9	a	a	DET
fsr-4052	88	10	ge	ge	PROPN
fsr-4052	88	11	respondent	respondent	NOUN
fsr-4052	88	12	age	age	NOUN
fsr-4052	88	13	61.7	61.7	NUM
fsr-4052	88	14	62.0	62.0	NUM
fsr-4052	88	15	62.9	62.9	NUM
fsr-4052	88	16	63.0	63.0	NUM
fsr-4052	88	17	63.7	63.7	NUM
fsr-4052	88	18	64.3	64.3	NUM
fsr-4052	88	19	64.1	64.1	NUM
fsr-4052	88	20	65.3	65.3	NUM
fsr-4052	88	21	65.8	65.8	NUM
fsr-4052	88	22	65.0	65.0	NUM
fsr-4052	88	23	65.3	65.3	NUM
fsr-4052	88	24	65.9	65.9	NUM
fsr-4052	88	25	65.6	65.6	NUM
fsr-4052	88	26	66.0	66.0	NUM
fsr-4052	88	27	66.463.2	66.463.2	NUM
fsr-4052	88	28	64.0	64.0	NUM
fsr-4052	88	29	64.7	64.7	NUM
fsr-4052	88	30	65.4	65.4	NUM
fsr-4052	88	31	66.4	66.4	NUM
fsr-4052	88	32	66.0	66.0	NUM
fsr-4052	88	33	67.1	67.1	NUM
fsr-4052	88	34	67.6	67.6	NUM
fsr-4052	88	35	67.2	67.2	NUM
fsr-4052	88	36	67.7	67.7	NUM
fsr-4052	88	37	68.2	68.2	NUM
fsr-4052	88	38	67.4	67.4	NUM
fsr-4052	88	39	67.9	67.9	NUM
fsr-4052	88	40	69.2	69.2	NUM
fsr-4052	88	41	56	56	NUM
fsr-4052	88	42	58	58	NUM
fsr-4052	88	43	60	60	NUM
fsr-4052	88	44	62	62	NUM
fsr-4052	88	45	64	64	NUM
fsr-4052	88	46	66	66	NUM
fsr-4052	88	47	68	68	NUM
fsr-4052	88	48	70	70	NUM
fsr-4052	88	49	1992	1992	NUM
fsr-4052	88	50	1994	1994	NUM
fsr-4052	88	51	1996	1996	NUM
fsr-4052	88	52	1998	1998	NUM
fsr-4052	88	53	2000	2000	NUM
fsr-4052	88	54	2002	2002	NUM
fsr-4052	88	55	2004	2004	NUM
fsr-4052	88	56	2006	2006	NUM
fsr-4052	88	57	2008	2008	NUM
fsr-4052	88	58	2010	2010	NUM
fsr-4052	88	59	2012	2012	NUM
fsr-4052	88	60	2014	2014	NUM
fsr-4052	88	61	2016	2016	NUM
fsr-4052	88	62	2018	2018	NUM
fsr-4052	88	63	2020	2020	NUM
fsr-4052	88	64	r	r	NOUN
fsr-4052	88	65	e	e	X
fsr-4052	88	66	ti	ti	X
fsr-4052	88	67	re	re	VERB
fsr-4052	88	68	m	m	PROPN
fsr-4052	88	69	en	en	PROPN
fsr-4052	88	70	t	t	PROPN
fsr-4052	88	71	a	a	DET
fsr-4052	88	72	ge	ge	PROPN
fsr-4052	88	73	s	s	PART
fsr-4052	88	74	hrs	hrs	NOUN
fsr-4052	88	75	survey	survey	NOUN
fsr-4052	88	76	years	year	NOUN
fsr-4052	88	77	plan	plan	VERB
fsr-4052	88	78	to	to	PART
fsr-4052	88	79	stop	stop	VERB
fsr-4052	88	80	working	work	VERB
fsr-4052	88	81	think	think	NOUN
fsr-4052	88	82	will	will	AUX
fsr-4052	88	83	stop	stop	VERB
fsr-4052	88	84	working	work	VERB
fsr-4052	88	85	linear	linear	NOUN
fsr-4052	88	86	(	(	PUNCT
fsr-4052	88	87	plan	plan	VERB
fsr-4052	88	88	to	to	PART
fsr-4052	88	89	stop	stop	VERB
fsr-4052	88	90	working	work	VERB
fsr-4052	88	91	)	)	PUNCT
fsr-4052	89	1	linear	linear	PROPN
fsr-4052	89	2	(	(	PUNCT
fsr-4052	89	3	think	think	VERB
fsr-4052	89	4	will	will	AUX
fsr-4052	89	5	stop	stop	VERB
fsr-4052	89	6	working	work	VERB
fsr-4052	89	7	)	)	PUNCT
fsr-4052	90	1	liu	liu	PROPN
fsr-4052	90	2	et	et	PROPN
fsr-4052	90	3	al	al	PROPN
fsr-4052	90	4	.	.	PROPN
fsr-4052	90	5	34	34	NUM
fsr-4052	90	6	1	1	NUM
fsr-4052	90	7	)	)	PUNCT
fsr-4052	90	8	first	first	ADV
fsr-4052	90	9	recorded	record	VERB
fsr-4052	90	10	retirement	retirement	NOUN
fsr-4052	90	11	age	age	NOUN
fsr-4052	90	12	–	–	PUNCT
fsr-4052	90	13	the	the	DET
fsr-4052	90	14	first	first	ADJ
fsr-4052	90	15	recorded	record	VERB
fsr-4052	90	16	year	year	NOUN
fsr-4052	90	17	in	in	ADP
fsr-4052	90	18	which	which	PRON
fsr-4052	90	19	the	the	DET
fsr-4052	90	20	participant	participant	NOUN
fsr-4052	90	21	retired	retire	VERB
fsr-4052	90	22	.	.	PUNCT
fsr-4052	91	1	2	2	NUM
fsr-4052	91	2	)	)	PUNCT
fsr-4052	91	3	last	last	ADJ
fsr-4052	91	4	recorded	record	VERB
fsr-4052	91	5	retirement	retirement	NOUN
fsr-4052	91	6	age	age	NOUN
fsr-4052	91	7	–	–	PUNCT
fsr-4052	91	8	the	the	DET
fsr-4052	91	9	last	last	ADJ
fsr-4052	91	10	(	(	PUNCT
fsr-4052	91	11	up	up	ADV
fsr-4052	91	12	until	until	ADP
fsr-4052	91	13	2018	2018	NUM
fsr-4052	91	14	)	)	PUNCT
fsr-4052	91	15	recorded	record	VERB
fsr-4052	91	16	year	year	NOUN
fsr-4052	91	17	in	in	ADP
fsr-4052	91	18	which	which	PRON
fsr-4052	91	19	the	the	DET
fsr-4052	91	20	participant	participant	NOUN
fsr-4052	91	21	retired	retire	VERB
fsr-4052	91	22	.	.	PUNCT
fsr-4052	92	1	3	3	X
fsr-4052	92	2	)	)	PUNCT
fsr-4052	92	3	mode	mode	NOUN
fsr-4052	92	4	retirement	retirement	NOUN
fsr-4052	92	5	age	age	NOUN
fsr-4052	92	6	–	–	PUNCT
fsr-4052	92	7	the	the	DET
fsr-4052	92	8	recorded	record	VERB
fsr-4052	92	9	year	year	NOUN
fsr-4052	92	10	in	in	ADP
fsr-4052	92	11	which	which	PRON
fsr-4052	92	12	the	the	DET
fsr-4052	92	13	participant	participant	NOUN
fsr-4052	92	14	retired	retire	VERB
fsr-4052	92	15	for	for	ADP
fsr-4052	92	16	the	the	DET
fsr-4052	92	17	longest	long	ADJ
fsr-4052	92	18	period	period	NOUN
fsr-4052	92	19	from	from	ADP
fsr-4052	92	20	1992	1992	NUM
fsr-4052	92	21	to	to	ADP
fsr-4052	92	22	2018	2018	NUM
fsr-4052	92	23	.	.	PUNCT
fsr-4052	93	1	4	4	NUM
fsr-4052	93	2	)	)	PUNCT
fsr-4052	93	3	first	first	ADV
fsr-4052	93	4	and	and	CCONJ
fsr-4052	93	5	mode	mode	PROPN
fsr-4052	93	6	retirement	retirement	NOUN
fsr-4052	93	7	age	age	NOUN
fsr-4052	93	8	–	–	PUNCT
fsr-4052	93	9	the	the	DET
fsr-4052	93	10	first	first	ADJ
fsr-4052	93	11	and	and	CCONJ
fsr-4052	93	12	only	only	ADV
fsr-4052	93	13	recorded	record	VERB
fsr-4052	93	14	year	year	NOUN
fsr-4052	93	15	in	in	ADP
fsr-4052	93	16	which	which	PRON
fsr-4052	93	17	the	the	DET
fsr-4052	93	18	participant	participant	NOUN
fsr-4052	93	19	retired	retire	VERB
fsr-4052	93	20	and	and	CCONJ
fsr-4052	93	21	stayed	stay	VERB
fsr-4052	93	22	retired	retire	VERB
fsr-4052	93	23	(	(	PUNCT
fsr-4052	93	24	never	never	ADV
fsr-4052	93	25	went	go	VERB
fsr-4052	93	26	back	back	ADV
fsr-4052	93	27	to	to	ADP
fsr-4052	93	28	work	work	NOUN
fsr-4052	93	29	)	)	PUNCT
fsr-4052	93	30	.	.	PUNCT
fsr-4052	94	1	figure	figure	NOUN
fsr-4052	94	2	5	5	NUM
fsr-4052	94	3	shows	show	VERB
fsr-4052	94	4	the	the	DET
fsr-4052	94	5	different	different	ADJ
fsr-4052	94	6	percentages	percentage	NOUN
fsr-4052	94	7	of	of	ADP
fsr-4052	94	8	participants	participant	NOUN
fsr-4052	94	9	who	who	PRON
fsr-4052	94	10	retire	retire	VERB
fsr-4052	94	11	earlier	early	ADV
fsr-4052	94	12	,	,	PUNCT
fsr-4052	94	13	later	later	ADV
fsr-4052	94	14	,	,	PUNCT
fsr-4052	94	15	and	and	CCONJ
fsr-4052	94	16	in	in	ADP
fsr-4052	94	17	the	the	DET
fsr-4052	94	18	same	same	ADJ
fsr-4052	94	19	year	year	NOUN
fsr-4052	94	20	as	as	SCONJ
fsr-4052	94	21	they	they	PRON
fsr-4052	94	22	expected	expect	VERB
fsr-4052	94	23	versus	versus	ADP
fsr-4052	94	24	each	each	PRON
fsr-4052	94	25	of	of	ADP
fsr-4052	94	26	these	these	DET
fsr-4052	94	27	definitions	definition	NOUN
fsr-4052	94	28	when	when	SCONJ
fsr-4052	94	29	they	they	PRON
fsr-4052	94	30	were	be	AUX
fsr-4052	94	31	in	in	ADP
fsr-4052	94	32	their	their	PRON
fsr-4052	94	33	50s	50	NOUN
fsr-4052	94	34	.	.	PUNCT
fsr-4052	95	1	while	while	SCONJ
fsr-4052	95	2	53.2	53.2	NUM
fsr-4052	95	3	%	%	NOUN
fsr-4052	95	4	of	of	ADP
fsr-4052	95	5	the	the	DET
fsr-4052	95	6	hrs	hrs	NOUN
fsr-4052	95	7	participants	participant	NOUN
fsr-4052	95	8	retired	retire	VERB
fsr-4052	95	9	earlier	early	ADV
fsr-4052	95	10	than	than	SCONJ
fsr-4052	95	11	they	they	PRON
fsr-4052	95	12	expected	expect	VERB
fsr-4052	95	13	when	when	SCONJ
fsr-4052	95	14	they	they	PRON
fsr-4052	95	15	originally	originally	ADV
fsr-4052	95	16	answered	answer	VERB
fsr-4052	95	17	the	the	DET
fsr-4052	95	18	survey	survey	NOUN
fsr-4052	95	19	in	in	ADP
fsr-4052	95	20	1992	1992	NUM
fsr-4052	95	21	using	use	VERB
fsr-4052	95	22	the	the	DET
fsr-4052	95	23	first	first	ADJ
fsr-4052	95	24	recorded	record	VERB
fsr-4052	95	25	retirement	retirement	NOUN
fsr-4052	95	26	age	age	NOUN
fsr-4052	95	27	as	as	ADP
fsr-4052	95	28	the	the	DET
fsr-4052	95	29	definition	definition	NOUN
fsr-4052	95	30	of	of	ADP
fsr-4052	95	31	the	the	DET
fsr-4052	95	32	“	"	PUNCT
fsr-4052	95	33	actual	actual	ADJ
fsr-4052	95	34	”	"	PUNCT
fsr-4052	95	35	retirement	retirement	NOUN
fsr-4052	95	36	age	age	NOUN
fsr-4052	95	37	,	,	PUNCT
fsr-4052	95	38	only	only	ADV
fsr-4052	95	39	42.4	42.4	NUM
fsr-4052	95	40	%	%	NOUN
fsr-4052	95	41	using	use	VERB
fsr-4052	95	42	he	he	PRON
fsr-4052	95	43	last	last	ADJ
fsr-4052	95	44	recorded	record	VERB
fsr-4052	95	45	retirement	retirement	NOUN
fsr-4052	95	46	age	age	NOUN
fsr-4052	95	47	.	.	PUNCT
fsr-4052	96	1	regardless	regardless	ADV
fsr-4052	96	2	of	of	ADP
fsr-4052	96	3	definition	definition	NOUN
fsr-4052	96	4	there	there	PRON
fsr-4052	96	5	is	be	VERB
fsr-4052	96	6	a	a	DET
fsr-4052	96	7	clear	clear	ADJ
fsr-4052	96	8	trend	trend	NOUN
fsr-4052	96	9	where	where	SCONJ
fsr-4052	96	10	people	people	NOUN
fsr-4052	96	11	retire	retire	VERB
fsr-4052	96	12	earlier	early	ADV
fsr-4052	96	13	than	than	SCONJ
fsr-4052	96	14	expected	expect	VERB
fsr-4052	96	15	,	,	PUNCT
fsr-4052	96	16	consistent	consistent	ADJ
fsr-4052	96	17	with	with	ADP
fsr-4052	96	18	the	the	DET
fsr-4052	96	19	research	research	NOUN
fsr-4052	96	20	of	of	ADP
fsr-4052	96	21	ebri	ebri	NOUN
fsr-4052	96	22	(	(	PUNCT
fsr-4052	96	23	2017	2017	NUM
fsr-4052	96	24	)	)	PUNCT
fsr-4052	96	25	and	and	CCONJ
fsr-4052	96	26	the	the	DET
fsr-4052	96	27	gallup	gallup	NOUN
fsr-4052	96	28	(	(	PUNCT
fsr-4052	96	29	2018	2018	NUM
fsr-4052	96	30	)	)	PUNCT
fsr-4052	96	31	,	,	PUNCT
fsr-4052	96	32	among	among	ADP
fsr-4052	96	33	others	other	NOUN
fsr-4052	96	34	.	.	PUNCT
fsr-4052	97	1	figure	figure	VERB
fsr-4052	97	2	5	5	NUM
fsr-4052	97	3	.	.	PUNCT
fsr-4052	97	4	actual	actual	ADJ
fsr-4052	97	5	vs.	vs.	ADP
fsr-4052	97	6	expected	expect	VERB
fsr-4052	97	7	retirement	retirement	NOUN
fsr-4052	97	8	age	age	NOUN
fsr-4052	97	9	(	(	PUNCT
fsr-4052	97	10	hrs	hrs	NOUN
fsr-4052	97	11	data	data	NOUN
fsr-4052	97	12	)	)	PUNCT
fsr-4052	97	13	note	note	NOUN
fsr-4052	97	14	:	:	PUNCT
fsr-4052	97	15	the	the	DET
fsr-4052	97	16	analysis	analysis	NOUN
fsr-4052	97	17	sample	sample	NOUN
fsr-4052	97	18	used	use	VERB
fsr-4052	97	19	above	above	ADV
fsr-4052	97	20	is	be	AUX
fsr-4052	97	21	3,441	3,441	NUM
fsr-4052	97	22	hrs	hrs	NOUN
fsr-4052	97	23	primary	primary	ADJ
fsr-4052	97	24	respondents	respondent	NOUN
fsr-4052	97	25	who	who	PRON
fsr-4052	97	26	retired	retire	VERB
fsr-4052	97	27	between	between	ADP
fsr-4052	97	28	1992	1992	NUM
fsr-4052	97	29	and	and	CCONJ
fsr-4052	97	30	2018	2018	NUM
fsr-4052	97	31	.	.	PUNCT
fsr-4052	98	1	the	the	DET
fsr-4052	98	2	expected	expect	VERB
fsr-4052	98	3	retirement	retirement	NOUN
fsr-4052	98	4	age	age	NOUN
fsr-4052	98	5	used	use	VERB
fsr-4052	98	6	is	be	AUX
fsr-4052	98	7	calculated	calculate	VERB
fsr-4052	98	8	using	use	VERB
fsr-4052	98	9	the	the	DET
fsr-4052	98	10	respondents	respondent	NOUN
fsr-4052	98	11	’	'	PUNCT
fsr-4052	98	12	expected	expect	VERB
fsr-4052	98	13	retirement	retirement	NOUN
fsr-4052	98	14	year	year	NOUN
fsr-4052	98	15	recorded	record	VERB
fsr-4052	98	16	in	in	ADP
fsr-4052	98	17	the	the	DET
fsr-4052	98	18	1992	1992	NUM
fsr-4052	98	19	wave	wave	NOUN
fsr-4052	98	20	.	.	PUNCT
fsr-4052	99	1	across	across	ADP
fsr-4052	99	2	the	the	DET
fsr-4052	99	3	twelve	twelve	NUM
fsr-4052	99	4	hrs	hrs	NOUN
fsr-4052	99	5	survey	survey	NOUN
fsr-4052	99	6	waves	wave	NOUN
fsr-4052	99	7	,	,	PUNCT
fsr-4052	99	8	there	there	PRON
fsr-4052	99	9	are	be	VERB
fsr-4052	99	10	17,170	17,170	NUM
fsr-4052	99	11	participants	participant	NOUN
fsr-4052	99	12	who	who	PRON
fsr-4052	99	13	retired	retire	VERB
fsr-4052	99	14	between	between	ADP
fsr-4052	99	15	1992	1992	NUM
fsr-4052	99	16	and	and	CCONJ
fsr-4052	99	17	2018	2018	NUM
fsr-4052	99	18	.	.	PUNCT
fsr-4052	100	1	among	among	ADP
fsr-4052	100	2	them	they	PRON
fsr-4052	100	3	,	,	PUNCT
fsr-4052	100	4	7,773	7,773	NUM
fsr-4052	100	5	answered	answer	VERB
fsr-4052	100	6	the	the	DET
fsr-4052	100	7	question	question	NOUN
fsr-4052	100	8	“	"	PUNCT
fsr-4052	100	9	when	when	SCONJ
fsr-4052	100	10	do	do	AUX
fsr-4052	100	11	you	you	PRON
fsr-4052	100	12	think	think	VERB
fsr-4052	100	13	you	you	PRON
fsr-4052	100	14	will	will	AUX
fsr-4052	100	15	stop	stop	VERB
fsr-4052	100	16	working	work	VERB
fsr-4052	100	17	?	?	PUNCT
fsr-4052	100	18	”	"	PUNCT
fsr-4052	100	19	during	during	ADP
fsr-4052	100	20	the	the	DET
fsr-4052	100	21	1992	1992	NUM
fsr-4052	100	22	survey	survey	NOUN
fsr-4052	100	23	wave	wave	NOUN
fsr-4052	100	24	,	,	PUNCT
fsr-4052	100	25	and	and	CCONJ
fsr-4052	100	26	4,704	4,704	NUM
fsr-4052	100	27	of	of	ADP
fsr-4052	100	28	them	they	PRON
fsr-4052	100	29	are	be	AUX
fsr-4052	100	30	primary	primary	ADJ
fsr-4052	100	31	respondents8after	respondents8after	NOUN
fsr-4052	100	32	further	far	ADV
fsr-4052	100	33	restricting	restrict	VERB
fsr-4052	100	34	the	the	DET
fsr-4052	100	35	age	age	NOUN
fsr-4052	100	36	of	of	ADP
fsr-4052	100	37	these	these	DET
fsr-4052	100	38	primary	primary	ADJ
fsr-4052	100	39	8	8	NUM
fsr-4052	100	40	in	in	ADP
fsr-4052	100	41	the	the	DET
fsr-4052	100	42	hrs	hrs	NOUN
fsr-4052	100	43	,	,	PUNCT
fsr-4052	100	44	the	the	DET
fsr-4052	100	45	primary	primary	ADJ
fsr-4052	100	46	response	response	NOUN
fsr-4052	100	47	is	be	AUX
fsr-4052	100	48	the	the	DET
fsr-4052	100	49	household	household	NOUN
fsr-4052	100	50	member	member	NOUN
fsr-4052	100	51	who	who	PRON
fsr-4052	100	52	answered	answer	VERB
fsr-4052	100	53	the	the	DET
fsr-4052	100	54	survey	survey	NOUN
fsr-4052	100	55	primarily	primarily	ADV
fsr-4052	100	56	,	,	PUNCT
fsr-4052	100	57	not	not	PART
fsr-4052	100	58	including	include	VERB
fsr-4052	100	59	their	their	PRON
fsr-4052	100	60	spouses	spouse	NOUN
fsr-4052	100	61	or	or	CCONJ
fsr-4052	100	62	children	child	NOUN
fsr-4052	100	63	in	in	ADP
fsr-4052	100	64	the	the	DET
fsr-4052	100	65	household	household	NOUN
fsr-4052	100	66	.	.	PUNCT
fsr-4052	101	1	respondents	respondent	NOUN
fsr-4052	101	2	to	to	PART
fsr-4052	101	3	be	be	AUX
fsr-4052	101	4	between	between	ADP
fsr-4052	101	5	50	50	NUM
fsr-4052	101	6	and	and	CCONJ
fsr-4052	101	7	59	59	NUM
fsr-4052	101	8	(	(	PUNCT
fsr-4052	101	9	i.e.	i.e.	X
fsr-4052	101	10	,	,	PUNCT
fsr-4052	101	11	filtering	filter	VERB
fsr-4052	101	12	out	out	ADP
fsr-4052	101	13	those	those	PRON
fsr-4052	101	14	who	who	PRON
fsr-4052	101	15	are	be	AUX
fsr-4052	101	16	not	not	PART
fsr-4052	101	17	in	in	ADP
fsr-4052	101	18	their	their	PRON
fsr-4052	101	19	50s	50	NOUN
fsr-4052	101	20	)	)	PUNCT
fsr-4052	101	21	(	(	PUNCT
fsr-4052	101	22	see	see	VERB
fsr-4052	101	23	reasons	reason	NOUN
fsr-4052	101	24	in	in	ADP
fsr-4052	101	25	figure	figure	NOUN
fsr-4052	101	26	4	4	NUM
fsr-4052	101	27	in	in	ADP
fsr-4052	101	28	the	the	DET
fsr-4052	101	29	appendix	appendix	NOUN
fsr-4052	101	30	)	)	PUNCT
fsr-4052	101	31	,	,	PUNCT
fsr-4052	101	32	the	the	DET
fsr-4052	101	33	main	main	ADJ
fsr-4052	101	34	analysis	analysis	NOUN
fsr-4052	101	35	sample	sample	NOUN
fsr-4052	101	36	of	of	ADP
fsr-4052	101	37	this	this	DET
fsr-4052	101	38	study	study	NOUN
fsr-4052	101	39	consists	consist	VERB
fsr-4052	101	40	of	of	ADP
fsr-4052	101	41	3,441	3,441	NUM
fsr-4052	101	42	respondents	respondent	NOUN
fsr-4052	101	43	,	,	PUNCT
fsr-4052	101	44	representing	represent	VERB
fsr-4052	101	45	8,364,876	8,364,876	NUM
fsr-4052	101	46	u.s	u.s	PROPN
fsr-4052	101	47	.	.	PROPN
fsr-4052	101	48	53.2	53.2	NUM
fsr-4052	101	49	%	%	NOUN
fsr-4052	101	50	15.6	15.6	NUM
fsr-4052	101	51	%	%	NOUN
fsr-4052	101	52	31.2	31.2	NUM
fsr-4052	101	53	%	%	NOUN
fsr-4052	101	54	48.2	48.2	NUM
fsr-4052	101	55	%	%	NOUN
fsr-4052	101	56	17.2	17.2	NUM
fsr-4052	101	57	%	%	NOUN
fsr-4052	101	58	34.6	34.6	NUM
fsr-4052	101	59	%	%	NOUN
fsr-4052	101	60	44.6	44.6	NUM
fsr-4052	101	61	%	%	NOUN
fsr-4052	101	62	15.4	15.4	NUM
fsr-4052	101	63	%	%	NOUN
fsr-4052	101	64	40.0	40.0	NUM
fsr-4052	101	65	%	%	NOUN
fsr-4052	101	66	42.2	42.2	NUM
fsr-4052	101	67	%	%	NOUN
fsr-4052	101	68	13.2	13.2	NUM
fsr-4052	101	69	%	%	NOUN
fsr-4052	101	70	44.6	44.6	NUM
fsr-4052	101	71	%	%	NOUN
fsr-4052	101	72	0	0	NUM
fsr-4052	101	73	%	%	NOUN
fsr-4052	101	74	10	10	NUM
fsr-4052	101	75	%	%	NOUN
fsr-4052	101	76	20	20	NUM
fsr-4052	101	77	%	%	NOUN
fsr-4052	101	78	30	30	NUM
fsr-4052	101	79	%	%	NOUN
fsr-4052	101	80	40	40	NUM
fsr-4052	101	81	%	%	NOUN
fsr-4052	101	82	50	50	NUM
fsr-4052	101	83	%	%	NOUN
fsr-4052	101	84	60	60	NUM
fsr-4052	101	85	%	%	NOUN
fsr-4052	101	86	earlier	early	ADV
fsr-4052	101	87	than	than	SCONJ
fsr-4052	101	88	expected	expect	VERB
fsr-4052	101	89	same	same	ADJ
fsr-4052	101	90	year	year	NOUN
fsr-4052	101	91	as	as	SCONJ
fsr-4052	101	92	expected	expect	VERB
fsr-4052	101	93	later	later	ADV
fsr-4052	101	94	than	than	SCONJ
fsr-4052	101	95	expected	expect	VERB
fsr-4052	101	96	first	first	ADV
fsr-4052	101	97	recorded	record	VERB
fsr-4052	101	98	retirement	retirement	NOUN
fsr-4052	101	99	age	age	NOUN
fsr-4052	101	100	first	first	ADJ
fsr-4052	101	101	=	=	NUM
fsr-4052	101	102	mode	mode	NOUN
fsr-4052	101	103	retirement	retirement	NOUN
fsr-4052	101	104	age	age	NOUN
fsr-4052	101	105	mode	mode	PROPN
fsr-4052	101	106	recorded	record	VERB
fsr-4052	101	107	retirement	retirement	NOUN
fsr-4052	101	108	age	age	NOUN
fsr-4052	101	109	last	last	ADV
fsr-4052	101	110	recorded	record	VERB
fsr-4052	101	111	retirement	retirement	NOUN
fsr-4052	101	112	age	age	NOUN
fsr-4052	101	113	financial	financial	PROPN
fsr-4052	101	114	services	service	NOUN
fsr-4052	101	115	review	review	PROPN
fsr-4052	101	116	,	,	PUNCT
fsr-4052	101	117	33(1	33(1	NUM
fsr-4052	101	118	)	)	PUNCT
fsr-4052	101	119	35	35	NUM
fsr-4052	101	120	national	national	ADJ
fsr-4052	101	121	population	population	NOUN
fsr-4052	101	122	after	after	ADP
fsr-4052	101	123	applying	apply	VERB
fsr-4052	101	124	the	the	DET
fsr-4052	101	125	1992	1992	NUM
fsr-4052	101	126	personal	personal	ADJ
fsr-4052	101	127	-	-	PUNCT
fsr-4052	101	128	level	level	NOUN
fsr-4052	101	129	analysis	analysis	NOUN
fsr-4052	101	130	weight	weight	NOUN
fsr-4052	101	131	.	.	PUNCT
fsr-4052	102	1	after	after	ADP
fsr-4052	102	2	using	use	VERB
fsr-4052	102	3	the	the	DET
fsr-4052	102	4	first	first	ADJ
fsr-4052	102	5	recorded	record	VERB
fsr-4052	102	6	year	year	NOUN
fsr-4052	102	7	in	in	ADP
fsr-4052	102	8	which	which	PRON
fsr-4052	102	9	the	the	DET
fsr-4052	102	10	participant	participant	NOUN
fsr-4052	102	11	retired	retire	VERB
fsr-4052	102	12	as	as	ADP
fsr-4052	102	13	the	the	DET
fsr-4052	102	14	definition	definition	NOUN
fsr-4052	102	15	of	of	ADP
fsr-4052	102	16	the	the	DET
fsr-4052	102	17	actual	actual	ADJ
fsr-4052	102	18	retirement	retirement	NOUN
fsr-4052	102	19	,	,	PUNCT
fsr-4052	102	20	we	we	PRON
fsr-4052	102	21	can	can	AUX
fsr-4052	102	22	plot	plot	VERB
fsr-4052	102	23	the	the	DET
fsr-4052	102	24	hrs	hrs	NOUN
fsr-4052	102	25	participants	participant	NOUN
fsr-4052	102	26	’	'	PUNCT
fsr-4052	102	27	average	average	ADJ
fsr-4052	102	28	expected	expect	VERB
fsr-4052	102	29	,	,	PUNCT
fsr-4052	102	30	actual	actual	ADJ
fsr-4052	102	31	retirement	retirement	NOUN
fsr-4052	102	32	ages	age	NOUN
fsr-4052	102	33	,	,	PUNCT
fsr-4052	102	34	and	and	CCONJ
fsr-4052	102	35	the	the	DET
fsr-4052	102	36	gaps	gap	NOUN
fsr-4052	102	37	between	between	ADP
fsr-4052	102	38	the	the	DET
fsr-4052	102	39	two	two	NUM
fsr-4052	102	40	.	.	PUNCT
fsr-4052	103	1	figure	figure	NOUN
fsr-4052	103	2	6	6	NUM
fsr-4052	103	3	below	below	ADP
fsr-4052	103	4	shows	show	VERB
fsr-4052	103	5	that	that	SCONJ
fsr-4052	103	6	older	old	ADJ
fsr-4052	103	7	americans	american	NOUN
fsr-4052	103	8	’	'	PUNCT
fsr-4052	103	9	expected	expect	VERB
fsr-4052	103	10	retirement	retirement	NOUN
fsr-4052	103	11	ages	age	NOUN
fsr-4052	103	12	are	be	AUX
fsr-4052	103	13	bimodal	bimodal	NOUN
fsr-4052	103	14	,	,	PUNCT
fsr-4052	103	15	often	often	ADV
fsr-4052	103	16	centered	center	VERB
fsr-4052	103	17	around	around	ADP
fsr-4052	103	18	two	two	NUM
fsr-4052	103	19	social	social	ADJ
fsr-4052	103	20	security	security	NOUN
fsr-4052	103	21	(	(	PUNCT
fsr-4052	103	22	ss	ss	NOUN
fsr-4052	103	23	)	)	PUNCT
fsr-4052	103	24	retirement	retirement	NOUN
fsr-4052	103	25	benefit	benefit	NOUN
fsr-4052	103	26	claiming	claim	VERB
fsr-4052	103	27	ages	age	NOUN
fsr-4052	103	28	–	–	PUNCT
fsr-4052	103	29	62	62	NUM
fsr-4052	103	30	and	and	CCONJ
fsr-4052	103	31	65	65	NUM
fsr-4052	103	32	years	year	NOUN
fsr-4052	103	33	old	old	ADJ
fsr-4052	103	34	,	,	PUNCT
fsr-4052	103	35	which	which	PRON
fsr-4052	103	36	are	be	AUX
fsr-4052	103	37	the	the	DET
fsr-4052	103	38	initial	initial	ADJ
fsr-4052	103	39	eligible	eligible	ADJ
fsr-4052	103	40	claiming	claim	VERB
fsr-4052	103	41	age	age	NOUN
fsr-4052	103	42	and	and	CCONJ
fsr-4052	103	43	full	full	ADJ
fsr-4052	103	44	ss	ss	NOUN
fsr-4052	103	45	benefit	benefit	NOUN
fsr-4052	103	46	claiming	claim	VERB
fsr-4052	103	47	age	age	NOUN
fsr-4052	103	48	.	.	PUNCT
fsr-4052	104	1	note	note	VERB
fsr-4052	104	2	that	that	SCONJ
fsr-4052	104	3	the	the	DET
fsr-4052	104	4	full	full	ADJ
fsr-4052	104	5	retirement	retirement	NOUN
fsr-4052	104	6	age	age	NOUN
fsr-4052	104	7	(	(	PUNCT
fsr-4052	104	8	fra	fra	NOUN
fsr-4052	104	9	)	)	PUNCT
fsr-4052	104	10	in	in	ADP
fsr-4052	104	11	social	social	ADJ
fsr-4052	104	12	security	security	NOUN
fsr-4052	104	13	for	for	ADP
fsr-4052	104	14	those	those	DET
fsr-4052	104	15	50	50	NUM
fsr-4052	104	16	-	-	PUNCT
fsr-4052	104	17	year	year	NOUN
fsr-4052	104	18	-	-	PUNCT
fsr-4052	104	19	olds	old	NOUN
fsr-4052	104	20	in	in	ADP
fsr-4052	104	21	1992	1992	NUM
fsr-4052	104	22	was	be	AUX
fsr-4052	104	23	around	around	ADV
fsr-4052	104	24	659	659	NUM
fsr-4052	104	25	instead	instead	ADV
fsr-4052	104	26	of	of	ADP
fsr-4052	104	27	67	67	NUM
fsr-4052	104	28	.	.	PUNCT
fsr-4052	105	1	in	in	ADP
fsr-4052	105	2	addition	addition	NOUN
fsr-4052	105	3	,	,	PUNCT
fsr-4052	105	4	65	65	NUM
fsr-4052	105	5	is	be	AUX
fsr-4052	105	6	also	also	ADV
fsr-4052	105	7	the	the	DET
fsr-4052	105	8	age	age	NOUN
fsr-4052	105	9	for	for	ADP
fsr-4052	105	10	medicare	medicare	PROPN
fsr-4052	105	11	eligibility	eligibility	PROPN
fsr-4052	105	12	.	.	PUNCT
fsr-4052	106	1	rutledge	rutledge	PROPN
fsr-4052	106	2	et	et	PROPN
fsr-4052	106	3	al	al	PROPN
fsr-4052	106	4	.	.	PROPN
fsr-4052	107	1	(	(	PUNCT
fsr-4052	107	2	2015	2015	NUM
fsr-4052	107	3	)	)	PUNCT
fsr-4052	107	4	point	point	VERB
fsr-4052	107	5	out	out	ADP
fsr-4052	107	6	that	that	SCONJ
fsr-4052	107	7	social	social	ADJ
fsr-4052	107	8	security	security	NOUN
fsr-4052	107	9	fra	fra	NOUN
fsr-4052	107	10	is	be	AUX
fsr-4052	107	11	strongly	strongly	ADV
fsr-4052	107	12	correlated	correlate	VERB
fsr-4052	107	13	with	with	ADP
fsr-4052	107	14	retirement	retirement	NOUN
fsr-4052	107	15	age	age	NOUN
fsr-4052	107	16	.	.	PUNCT
fsr-4052	108	1	they	they	PRON
fsr-4052	108	2	state	state	VERB
fsr-4052	108	3	that	that	SCONJ
fsr-4052	108	4	a	a	DET
fsr-4052	108	5	one	one	NUM
fsr-4052	108	6	-	-	PUNCT
fsr-4052	108	7	year	year	NOUN
fsr-4052	108	8	increase	increase	NOUN
fsr-4052	108	9	in	in	ADP
fsr-4052	108	10	social	social	ADJ
fsr-4052	108	11	security	security	NOUN
fsr-4052	108	12	fra	fra	NOUN
fsr-4052	108	13	is	be	AUX
fsr-4052	108	14	associated	associate	VERB
fsr-4052	108	15	with	with	ADP
fsr-4052	108	16	a	a	DET
fsr-4052	108	17	0.3	0.3	NUM
fsr-4052	108	18	-	-	PUNCT
fsr-4052	108	19	year	year	NOUN
fsr-4052	108	20	increase	increase	NOUN
fsr-4052	108	21	in	in	ADP
fsr-4052	108	22	the	the	DET
fsr-4052	108	23	retirement	retirement	NOUN
fsr-4052	108	24	age	age	NOUN
fsr-4052	108	25	,	,	PUNCT
fsr-4052	108	26	all	all	PRON
fsr-4052	108	27	else	else	ADV
fsr-4052	108	28	equal	equal	ADJ
fsr-4052	108	29	.	.	PUNCT
fsr-4052	109	1	figure	figure	NOUN
fsr-4052	109	2	7	7	NUM
fsr-4052	109	3	indicates	indicate	VERB
fsr-4052	109	4	that	that	SCONJ
fsr-4052	109	5	although	although	SCONJ
fsr-4052	109	6	participants	participant	NOUN
fsr-4052	109	7	plan	plan	VERB
fsr-4052	109	8	to	to	PART
fsr-4052	109	9	retire	retire	VERB
fsr-4052	109	10	around	around	ADP
fsr-4052	109	11	those	those	DET
fsr-4052	109	12	two	two	NUM
fsr-4052	109	13	ages	age	NOUN
fsr-4052	109	14	,	,	PUNCT
fsr-4052	109	15	their	their	PRON
fsr-4052	109	16	actual	actual	ADJ
fsr-4052	109	17	retirement	retirement	NOUN
fsr-4052	109	18	ages	age	NOUN
fsr-4052	109	19	are	be	AUX
fsr-4052	109	20	more	more	ADV
fsr-4052	109	21	spread	spread	VERB
fsr-4052	109	22	out	out	ADP
fsr-4052	109	23	,	,	PUNCT
fsr-4052	109	24	and	and	CCONJ
fsr-4052	109	25	they	they	PRON
fsr-4052	109	26	are	be	AUX
fsr-4052	109	27	more	more	ADV
fsr-4052	109	28	likely	likely	ADJ
fsr-4052	109	29	to	to	PART
fsr-4052	109	30	retire	retire	VERB
fsr-4052	109	31	at	at	ADP
fsr-4052	109	32	age	age	NOUN
fsr-4052	109	33	62	62	NUM
fsr-4052	109	34	or	or	CCONJ
fsr-4052	109	35	before	before	ADV
fsr-4052	109	36	,	,	PUNCT
fsr-4052	109	37	with	with	ADP
fsr-4052	109	38	a	a	DET
fsr-4052	109	39	clear	clear	ADJ
fsr-4052	109	40	mode	mode	NOUN
fsr-4052	109	41	of	of	ADP
fsr-4052	109	42	62	62	NUM
fsr-4052	109	43	.	.	PUNCT
fsr-4052	110	1	according	accord	VERB
fsr-4052	110	2	to	to	PART
fsr-4052	110	3	figure	figure	VERB
fsr-4052	110	4	6	6	NUM
fsr-4052	110	5	,	,	PUNCT
fsr-4052	110	6	more	more	ADJ
fsr-4052	110	7	than	than	ADP
fsr-4052	110	8	34	34	NUM
fsr-4052	110	9	%	%	NOUN
fsr-4052	110	10	and	and	CCONJ
fsr-4052	110	11	31	31	NUM
fsr-4052	110	12	%	%	NOUN
fsr-4052	110	13	of	of	ADP
fsr-4052	110	14	older	old	ADJ
fsr-4052	110	15	americans	americans	PROPN
fsr-4052	110	16	plan	plan	VERB
fsr-4052	110	17	to	to	PART
fsr-4052	110	18	retire	retire	VERB
fsr-4052	110	19	around	around	ADP
fsr-4052	110	20	age	age	NOUN
fsr-4052	110	21	62	62	NUM
fsr-4052	110	22	or	or	CCONJ
fsr-4052	110	23	65	65	NUM
fsr-4052	110	24	,	,	PUNCT
fsr-4052	110	25	respectively	respectively	ADV
fsr-4052	110	26	,	,	PUNCT
fsr-4052	110	27	consisting	consist	VERB
fsr-4052	110	28	of	of	ADP
fsr-4052	110	29	the	the	DET
fsr-4052	110	30	majority	majority	NOUN
fsr-4052	110	31	of	of	ADP
fsr-4052	110	32	the	the	DET
fsr-4052	110	33	population	population	NOUN
fsr-4052	110	34	.	.	PUNCT
fsr-4052	111	1	however	however	ADV
fsr-4052	111	2	,	,	PUNCT
fsr-4052	111	3	it	it	PRON
fsr-4052	111	4	is	be	AUX
fsr-4052	111	5	clear	clear	ADJ
fsr-4052	111	6	that	that	SCONJ
fsr-4052	111	7	actual	actual	ADJ
fsr-4052	111	8	retirement	retirement	NOUN
fsr-4052	111	9	ages	age	NOUN
fsr-4052	111	10	differ	differ	VERB
fsr-4052	111	11	from	from	ADP
fsr-4052	111	12	expectations	expectation	NOUN
fsr-4052	111	13	.	.	PUNCT
fsr-4052	112	1	figure	figure	VERB
fsr-4052	112	2	7	7	NUM
fsr-4052	112	3	shows	show	VERB
fsr-4052	112	4	that	that	SCONJ
fsr-4052	112	5	not	not	PART
fsr-4052	112	6	only	only	ADV
fsr-4052	112	7	do	do	AUX
fsr-4052	112	8	people	people	NOUN
fsr-4052	112	9	actually	actually	ADV
fsr-4052	112	10	retire	retire	VERB
fsr-4052	112	11	well	well	ADV
fsr-4052	112	12	before	before	ADP
fsr-4052	112	13	the	the	DET
fsr-4052	112	14	medicare	medicare	PROPN
fsr-4052	112	15	eligibility	eligibility	PROPN
fsr-4052	112	16	age	age	NOUN
fsr-4052	112	17	of	of	ADP
fsr-4052	112	18	65	65	NUM
fsr-4052	112	19	but	but	CCONJ
fsr-4052	112	20	also	also	ADV
fsr-4052	112	21	that	that	SCONJ
fsr-4052	112	22	the	the	DET
fsr-4052	112	23	actual	actual	ADJ
fsr-4052	112	24	retirement	retirement	NOUN
fsr-4052	112	25	age	age	NOUN
fsr-4052	112	26	numbers	number	NOUN
fsr-4052	112	27	are	be	AUX
fsr-4052	112	28	more	more	ADV
fsr-4052	112	29	spread	spread	VERB
fsr-4052	112	30	out	out	ADP
fsr-4052	112	31	,	,	PUNCT
fsr-4052	112	32	with	with	ADP
fsr-4052	112	33	a	a	DET
fsr-4052	112	34	peak	peak	NOUN
fsr-4052	112	35	at	at	ADP
fsr-4052	112	36	age	age	NOUN
fsr-4052	112	37	62	62	NUM
fsr-4052	112	38	(	(	PUNCT
fsr-4052	112	39	15	15	NUM
fsr-4052	112	40	%	%	NOUN
fsr-4052	112	41	)	)	PUNCT
fsr-4052	112	42	.	.	PUNCT
fsr-4052	113	1	more	more	ADJ
fsr-4052	113	2	than	than	ADP
fsr-4052	113	3	44	44	NUM
fsr-4052	113	4	%	%	NOUN
fsr-4052	113	5	of	of	ADP
fsr-4052	113	6	the	the	DET
fsr-4052	113	7	respondents	respondent	NOUN
fsr-4052	113	8	retire	retire	VERB
fsr-4052	113	9	before	before	ADP
fsr-4052	113	10	age	age	NOUN
fsr-4052	113	11	62	62	NUM
fsr-4052	113	12	,	,	PUNCT
fsr-4052	113	13	which	which	PRON
fsr-4052	113	14	is	be	AUX
fsr-4052	113	15	concentrated	concentrate	VERB
fsr-4052	113	16	on	on	ADP
fsr-4052	113	17	the	the	DET
fsr-4052	113	18	left	left	ADJ
fsr-4052	113	19	side	side	NOUN
fsr-4052	113	20	of	of	ADP
fsr-4052	113	21	the	the	DET
fsr-4052	113	22	peak	peak	NOUN
fsr-4052	113	23	.	.	PUNCT
fsr-4052	114	1	in	in	ADP
fsr-4052	114	2	contrast	contrast	NOUN
fsr-4052	114	3	,	,	PUNCT
fsr-4052	114	4	only	only	ADV
fsr-4052	114	5	24	24	NUM
fsr-4052	114	6	%	%	NOUN
fsr-4052	114	7	of	of	ADP
fsr-4052	114	8	participants	participant	NOUN
fsr-4052	114	9	expected	expect	VERB
fsr-4052	114	10	to	to	PART
fsr-4052	114	11	retire	retire	VERB
fsr-4052	114	12	before	before	ADP
fsr-4052	114	13	age	age	NOUN
fsr-4052	114	14	62	62	NUM
fsr-4052	114	15	when	when	SCONJ
fsr-4052	114	16	they	they	PRON
fsr-4052	114	17	were	be	AUX
fsr-4052	114	18	in	in	ADP
fsr-4052	114	19	their	their	PRON
fsr-4052	114	20	50s	50	NOUN
fsr-4052	114	21	.	.	PUNCT
fsr-4052	115	1	9	9	NUM
fsr-4052	115	2	some	some	PRON
fsr-4052	115	3	of	of	ADP
fsr-4052	115	4	the	the	DET
fsr-4052	115	5	cohort	cohort	NOUN
fsr-4052	115	6	(	(	PUNCT
fsr-4052	115	7	who	who	PRON
fsr-4052	115	8	is	be	AUX
fsr-4052	115	9	in	in	ADP
fsr-4052	115	10	their	their	PRON
fsr-4052	115	11	50s	50	NOUN
fsr-4052	115	12	in	in	ADP
fsr-4052	115	13	1992	1992	NUM
fsr-4052	115	14	)	)	PUNCT
fsr-4052	115	15	have	have	VERB
fsr-4052	115	16	fra	fra	NOUN
fsr-4052	115	17	slightly	slightly	ADV
fsr-4052	115	18	above	above	ADP
fsr-4052	115	19	65	65	NUM
fsr-4052	115	20	.	.	PUNCT
fsr-4052	116	1	please	please	INTJ
fsr-4052	116	2	see	see	VERB
fsr-4052	116	3	the	the	DET
fsr-4052	116	4	details	detail	NOUN
fsr-4052	116	5	of	of	ADP
fsr-4052	116	6	social	social	ADJ
fsr-4052	116	7	security	security	NOUN
fsr-4052	116	8	fra	fra	NOUN
fsr-4052	116	9	base	base	NOUN
fsr-4052	116	10	on	on	ADP
fsr-4052	116	11	birth	birth	NOUN
fsr-4052	116	12	years	year	NOUN
fsr-4052	116	13	from	from	ADP
fsr-4052	116	14	this	this	DET
fsr-4052	116	15	link	link	NOUN
fsr-4052	116	16	:	:	PUNCT
fsr-4052	116	17	https://www.ssa.gov/pressoffice/incretage.html	https://www.ssa.gov/pressoffice/incretage.html	ADJ
fsr-4052	116	18	.	.	PUNCT
fsr-4052	117	1	liu	liu	PROPN
fsr-4052	117	2	et	et	PROPN
fsr-4052	117	3	al	al	PROPN
fsr-4052	117	4	.	.	PROPN
fsr-4052	117	5	36	36	NUM
fsr-4052	117	6	figure	figure	NOUN
fsr-4052	117	7	6	6	NUM
fsr-4052	117	8	.	.	PUNCT
fsr-4052	117	9	distribution	distribution	NOUN
fsr-4052	117	10	of	of	ADP
fsr-4052	117	11	expected	expect	VERB
fsr-4052	117	12	retirement	retirement	NOUN
fsr-4052	117	13	age	age	NOUN
fsr-4052	117	14	for	for	ADP
fsr-4052	117	15	all	all	DET
fsr-4052	117	16	retired	retire	VERB
fsr-4052	117	17	participants	participant	NOUN
fsr-4052	117	18	between	between	ADP
fsr-4052	117	19	50	50	NUM
fsr-4052	117	20	and	and	CCONJ
fsr-4052	117	21	60	60	NUM
fsr-4052	117	22	years	year	NOUN
fsr-4052	117	23	old	old	ADJ
fsr-4052	117	24	in	in	ADP
fsr-4052	117	25	1992	1992	NUM
fsr-4052	117	26	(	(	PUNCT
fsr-4052	117	27	hrs	hrs	NOUN
fsr-4052	117	28	data	data	NOUN
fsr-4052	117	29	)	)	PUNCT
fsr-4052	117	30	note	note	NOUN
fsr-4052	117	31	:	:	PUNCT
fsr-4052	117	32	the	the	DET
fsr-4052	117	33	number	number	NOUN
fsr-4052	117	34	of	of	ADP
fsr-4052	117	35	primary	primary	ADJ
fsr-4052	117	36	respondents	respondent	NOUN
fsr-4052	117	37	in	in	ADP
fsr-4052	117	38	this	this	DET
fsr-4052	117	39	chart	chart	NOUN
fsr-4052	117	40	is	be	AUX
fsr-4052	117	41	3,289	3,289	NUM
fsr-4052	117	42	before	before	SCONJ
fsr-4052	117	43	weights	weight	NOUN
fsr-4052	117	44	are	be	AUX
fsr-4052	117	45	applied	apply	VERB
fsr-4052	117	46	.	.	PUNCT
fsr-4052	118	1	after	after	ADP
fsr-4052	118	2	applying	apply	VERB
fsr-4052	118	3	the	the	DET
fsr-4052	118	4	1992	1992	NUM
fsr-4052	118	5	respondent	respondent	NOUN
fsr-4052	118	6	level	level	NOUN
fsr-4052	118	7	analysis	analysis	NOUN
fsr-4052	118	8	weight	weight	NOUN
fsr-4052	118	9	,	,	PUNCT
fsr-4052	118	10	it	it	PRON
fsr-4052	118	11	represents	represent	VERB
fsr-4052	118	12	8,361,046	8,361,046	NUM
fsr-4052	118	13	older	old	ADJ
fsr-4052	118	14	americans	american	NOUN
fsr-4052	118	15	in	in	ADP
fsr-4052	118	16	the	the	DET
fsr-4052	118	17	united	united	PROPN
fsr-4052	118	18	states	states	PROPN
fsr-4052	118	19	.	.	PUNCT
fsr-4052	119	1	7.1	7.1	NUM
fsr-4052	119	2	%	%	NOUN
fsr-4052	119	3	4.5	4.5	NUM
fsr-4052	119	4	%	%	NOUN
fsr-4052	119	5	22.3	22.3	NUM
fsr-4052	119	6	%	%	NOUN
fsr-4052	119	7	12.0	12.0	NUM
fsr-4052	119	8	%	%	NOUN
fsr-4052	119	9	1.7	1.7	NUM
fsr-4052	119	10	%	%	NOUN
fsr-4052	119	11	21.0	21.0	NUM
fsr-4052	119	12	%	%	NOUN
fsr-4052	119	13	10.8	10.8	NUM
fsr-4052	119	14	%	%	NOUN
fsr-4052	119	15	2.8	2.8	NUM
fsr-4052	119	16	%	%	NOUN
fsr-4052	119	17	1.3	1.3	NUM
fsr-4052	119	18	%	%	NOUN
fsr-4052	119	19	0	0	NUM
fsr-4052	119	20	%	%	NOUN
fsr-4052	119	21	5	5	NUM
fsr-4052	119	22	%	%	NOUN
fsr-4052	119	23	10	10	NUM
fsr-4052	119	24	%	%	NOUN
fsr-4052	119	25	15	15	NUM
fsr-4052	119	26	%	%	NOUN
fsr-4052	119	27	20	20	NUM
fsr-4052	119	28	%	%	NOUN
fsr-4052	119	29	25	25	NUM
fsr-4052	119	30	%	%	NOUN
fsr-4052	119	31	50	50	NUM
fsr-4052	119	32	51	51	NUM
fsr-4052	119	33	52	52	NUM
fsr-4052	119	34	53	53	NUM
fsr-4052	119	35	54	54	NUM
fsr-4052	119	36	55	55	NUM
fsr-4052	119	37	56	56	NUM
fsr-4052	119	38	57	57	NUM
fsr-4052	119	39	58	58	NUM
fsr-4052	119	40	59	59	NUM
fsr-4052	119	41	60	60	NUM
fsr-4052	119	42	61	61	NUM
fsr-4052	119	43	62	62	NUM
fsr-4052	119	44	63	63	NUM
fsr-4052	119	45	64	64	NUM
fsr-4052	119	46	65	65	NUM
fsr-4052	119	47	66	66	NUM
fsr-4052	119	48	67	67	NUM
fsr-4052	119	49	68	68	NUM
fsr-4052	119	50	69	69	NUM
fsr-4052	119	51	70	70	NUM
fsr-4052	119	52	71	71	NUM
fsr-4052	119	53	72	72	NUM
fsr-4052	119	54	73	73	NUM
fsr-4052	119	55	75	75	NUM
fsr-4052	119	56	76	76	NUM
fsr-4052	119	57	77	77	NUM
fsr-4052	119	58	78	78	NUM
fsr-4052	119	59	80	80	NUM
fsr-4052	119	60	81	81	NUM
fsr-4052	119	61	85	85	NUM
fsr-4052	119	62	d	d	NOUN
fsr-4052	119	63	en	en	ADP
fsr-4052	119	64	si	si	X
fsr-4052	119	65	ty	ty	INTJ
fsr-4052	119	66	(	(	PUNCT
fsr-4052	119	67	%	%	NOUN
fsr-4052	119	68	)	)	PUNCT
fsr-4052	119	69	first	first	ADV
fsr-4052	119	70	recorded	record	VERB
fsr-4052	119	71	retirement	retirement	NOUN
fsr-4052	119	72	age	age	NOUN
fsr-4052	119	73	density	density	NOUN
fsr-4052	119	74	(	(	PUNCT
fsr-4052	119	75	%	%	INTJ
fsr-4052	119	76	)	)	PUNCT
fsr-4052	119	77	1992	1992	NUM
fsr-4052	119	78	respondent	respondent	NOUN
fsr-4052	119	79	level	level	NOUN
fsr-4052	119	80	analyses	analyse	VERB
fsr-4052	119	81	weight	weight	NOUN
fsr-4052	119	82	applied	apply	VERB
fsr-4052	119	83	financial	financial	ADJ
fsr-4052	119	84	services	service	NOUN
fsr-4052	119	85	review	review	NOUN
fsr-4052	119	86	,	,	PUNCT
fsr-4052	119	87	33(1	33(1	NUM
fsr-4052	119	88	)	)	PUNCT
fsr-4052	119	89	37	37	NUM
fsr-4052	119	90	figure	figure	NOUN
fsr-4052	119	91	7	7	NUM
fsr-4052	119	92	.	.	PUNCT
fsr-4052	119	93	distribution	distribution	NOUN
fsr-4052	119	94	of	of	ADP
fsr-4052	119	95	actual	actual	ADJ
fsr-4052	119	96	retirement	retirement	NOUN
fsr-4052	119	97	age	age	NOUN
fsr-4052	119	98	for	for	ADP
fsr-4052	119	99	all	all	DET
fsr-4052	119	100	retired	retire	VERB
fsr-4052	119	101	participants	participant	NOUN
fsr-4052	119	102	between	between	ADP
fsr-4052	119	103	50	50	NUM
fsr-4052	119	104	and	and	CCONJ
fsr-4052	119	105	60	60	NUM
fsr-4052	119	106	years	year	NOUN
fsr-4052	119	107	old	old	ADJ
fsr-4052	119	108	in	in	ADP
fsr-4052	119	109	1992	1992	NUM
fsr-4052	119	110	(	(	PUNCT
fsr-4052	119	111	hrs	hrs	NOUN
fsr-4052	119	112	data	data	NOUN
fsr-4052	119	113	)	)	PUNCT
fsr-4052	119	114	note	note	NOUN
fsr-4052	119	115	:	:	PUNCT
fsr-4052	119	116	the	the	DET
fsr-4052	119	117	number	number	NOUN
fsr-4052	119	118	of	of	ADP
fsr-4052	119	119	primary	primary	ADJ
fsr-4052	119	120	respondents	respondent	NOUN
fsr-4052	119	121	in	in	ADP
fsr-4052	119	122	this	this	DET
fsr-4052	119	123	chart	chart	NOUN
fsr-4052	119	124	is	be	AUX
fsr-4052	119	125	3,289	3,289	NUM
fsr-4052	119	126	before	before	SCONJ
fsr-4052	119	127	weights	weight	NOUN
fsr-4052	119	128	are	be	AUX
fsr-4052	119	129	applied	apply	VERB
fsr-4052	119	130	.	.	PUNCT
fsr-4052	120	1	after	after	ADP
fsr-4052	120	2	applying	apply	VERB
fsr-4052	120	3	the	the	DET
fsr-4052	120	4	1992	1992	NUM
fsr-4052	120	5	respondent	respondent	NOUN
fsr-4052	120	6	level	level	NOUN
fsr-4052	120	7	analysis	analysis	NOUN
fsr-4052	120	8	weight	weight	NOUN
fsr-4052	120	9	,	,	PUNCT
fsr-4052	120	10	it	it	PRON
fsr-4052	120	11	represents	represent	VERB
fsr-4052	120	12	8,361,046	8,361,046	NUM
fsr-4052	120	13	older	old	ADJ
fsr-4052	120	14	americans	american	NOUN
fsr-4052	120	15	in	in	ADP
fsr-4052	120	16	the	the	DET
fsr-4052	120	17	united	united	PROPN
fsr-4052	120	18	states	states	PROPN
fsr-4052	120	19	.	.	PUNCT
fsr-4052	121	1	5.0	5.0	NUM
fsr-4052	121	2	%	%	NOUN
fsr-4052	121	3	6.2	6.2	NUM
fsr-4052	121	4	%	%	NOUN
fsr-4052	121	5	7.8	7.8	NUM
fsr-4052	121	6	%	%	NOUN
fsr-4052	121	7	7.4	7.4	NUM
fsr-4052	121	8	%	%	NOUN
fsr-4052	121	9	15.2	15.2	NUM
fsr-4052	121	10	%	%	NOUN
fsr-4052	121	11	9.0	9.0	NUM
fsr-4052	121	12	%	%	NOUN
fsr-4052	121	13	5.6	5.6	NUM
fsr-4052	121	14	%	%	NOUN
fsr-4052	121	15	7.7	7.7	NUM
fsr-4052	121	16	%	%	NOUN
fsr-4052	121	17	4.8	4.8	NUM
fsr-4052	121	18	%	%	NOUN
fsr-4052	121	19	0.0	0.0	NUM
fsr-4052	121	20	%	%	NOUN
fsr-4052	121	21	2.0	2.0	NUM
fsr-4052	121	22	%	%	NOUN
fsr-4052	121	23	4.0	4.0	NUM
fsr-4052	121	24	%	%	NOUN
fsr-4052	121	25	6.0	6.0	NUM
fsr-4052	121	26	%	%	NOUN
fsr-4052	121	27	8.0	8.0	NUM
fsr-4052	121	28	%	%	NOUN
fsr-4052	121	29	10.0	10.0	NUM
fsr-4052	121	30	%	%	NOUN
fsr-4052	121	31	12.0	12.0	NUM
fsr-4052	121	32	%	%	NOUN
fsr-4052	121	33	14.0	14.0	NUM
fsr-4052	121	34	%	%	NOUN
fsr-4052	121	35	16.0	16.0	NUM
fsr-4052	121	36	%	%	NOUN
fsr-4052	121	37	50	50	NUM
fsr-4052	121	38	51	51	NUM
fsr-4052	121	39	52	52	NUM
fsr-4052	121	40	53	53	NUM
fsr-4052	121	41	54	54	NUM
fsr-4052	121	42	55	55	NUM
fsr-4052	121	43	56	56	NUM
fsr-4052	121	44	57	57	NUM
fsr-4052	121	45	58	58	NUM
fsr-4052	121	46	59	59	NUM
fsr-4052	121	47	60	60	NUM
fsr-4052	121	48	61	61	NUM
fsr-4052	121	49	62	62	NUM
fsr-4052	121	50	63	63	NUM
fsr-4052	121	51	64	64	NUM
fsr-4052	121	52	65	65	NUM
fsr-4052	121	53	66	66	NUM
fsr-4052	121	54	67	67	NUM
fsr-4052	121	55	68	68	NUM
fsr-4052	121	56	69	69	NUM
fsr-4052	121	57	70	70	NUM
fsr-4052	121	58	71	71	NUM
fsr-4052	121	59	72	72	NUM
fsr-4052	121	60	73	73	NUM
fsr-4052	121	61	74	74	NUM
fsr-4052	121	62	75	75	NUM
fsr-4052	121	63	76	76	NUM
fsr-4052	121	64	77	77	NUM
fsr-4052	121	65	78	78	NUM
fsr-4052	121	66	79	79	NUM
fsr-4052	121	67	80	80	NUM
fsr-4052	121	68	81	81	NUM
fsr-4052	121	69	82	82	NUM
fsr-4052	121	70	84	84	NUM
fsr-4052	121	71	85	85	NUM
fsr-4052	121	72	d	d	NOUN
fsr-4052	121	73	en	en	ADP
fsr-4052	121	74	si	si	X
fsr-4052	121	75	ty	ty	INTJ
fsr-4052	121	76	(	(	PUNCT
fsr-4052	121	77	%	%	NOUN
fsr-4052	121	78	)	)	PUNCT
fsr-4052	121	79	first	first	ADV
fsr-4052	121	80	recorded	record	VERB
fsr-4052	121	81	retirement	retirement	NOUN
fsr-4052	121	82	age	age	NOUN
fsr-4052	121	83	density	density	NOUN
fsr-4052	121	84	(	(	PUNCT
fsr-4052	121	85	%	%	INTJ
fsr-4052	121	86	)	)	PUNCT
fsr-4052	121	87	1992	1992	NUM
fsr-4052	121	88	respondent	respondent	NOUN
fsr-4052	121	89	level	level	NOUN
fsr-4052	121	90	analyses	analyse	VERB
fsr-4052	121	91	weight	weight	NOUN
fsr-4052	121	92	applied	apply	VERB
fsr-4052	121	93	liu	liu	PROPN
fsr-4052	121	94	et	et	PROPN
fsr-4052	121	95	al	al	PROPN
fsr-4052	121	96	.	.	PROPN
fsr-4052	122	1	38	38	NUM
fsr-4052	122	2	figure	figure	NOUN
fsr-4052	122	3	8	8	NUM
fsr-4052	122	4	.	.	PUNCT
fsr-4052	123	1	first	first	ADV
fsr-4052	123	2	reported	report	VERB
fsr-4052	123	3	retirement	retirement	NOUN
fsr-4052	123	4	age	age	NOUN
fsr-4052	123	5	minus	minus	CCONJ
fsr-4052	123	6	1992	1992	NUM
fsr-4052	123	7	expected	expect	VERB
fsr-4052	123	8	retirement	retirement	NOUN
fsr-4052	123	9	age	age	NOUN
fsr-4052	123	10	(	(	PUNCT
fsr-4052	123	11	hrs	hrs	NOUN
fsr-4052	123	12	data	data	NOUN
fsr-4052	123	13	)	)	PUNCT
fsr-4052	123	14	note	note	NOUN
fsr-4052	123	15	:	:	PUNCT
fsr-4052	123	16	the	the	DET
fsr-4052	123	17	number	number	NOUN
fsr-4052	123	18	of	of	ADP
fsr-4052	123	19	primary	primary	ADJ
fsr-4052	123	20	respondents	respondent	NOUN
fsr-4052	123	21	in	in	ADP
fsr-4052	123	22	this	this	DET
fsr-4052	123	23	chart	chart	NOUN
fsr-4052	123	24	is	be	AUX
fsr-4052	123	25	3,283	3,283	NUM
fsr-4052	123	26	before	before	SCONJ
fsr-4052	123	27	weights	weight	NOUN
fsr-4052	123	28	are	be	AUX
fsr-4052	123	29	applied	apply	VERB
fsr-4052	123	30	.	.	PUNCT
fsr-4052	124	1	after	after	ADP
fsr-4052	124	2	applying	apply	VERB
fsr-4052	124	3	the	the	DET
fsr-4052	124	4	1992	1992	NUM
fsr-4052	124	5	respondent	respondent	NOUN
fsr-4052	124	6	level	level	NOUN
fsr-4052	124	7	analysis	analysis	NOUN
fsr-4052	124	8	weight	weight	NOUN
fsr-4052	124	9	,	,	PUNCT
fsr-4052	124	10	it	it	PRON
fsr-4052	124	11	represents	represent	VERB
fsr-4052	124	12	8,343,446	8,343,446	NUM
fsr-4052	124	13	older	old	ADJ
fsr-4052	124	14	americans	american	NOUN
fsr-4052	124	15	in	in	ADP
fsr-4052	124	16	the	the	DET
fsr-4052	124	17	united	united	PROPN
fsr-4052	124	18	states	states	PROPN
fsr-4052	124	19	.	.	PUNCT
fsr-4052	125	1	using	use	VERB
fsr-4052	125	2	the	the	DET
fsr-4052	125	3	actual	actual	ADJ
fsr-4052	125	4	retirement	retirement	NOUN
fsr-4052	125	5	age	age	NOUN
fsr-4052	125	6	minus	minus	CCONJ
fsr-4052	125	7	the	the	DET
fsr-4052	125	8	expected	expect	VERB
fsr-4052	125	9	retirement	retirement	NOUN
fsr-4052	125	10	age	age	NOUN
fsr-4052	125	11	,	,	PUNCT
fsr-4052	125	12	which	which	PRON
fsr-4052	125	13	is	be	AUX
fsr-4052	125	14	the	the	DET
fsr-4052	125	15	error	error	NOUN
fsr-4052	125	16	in	in	ADP
fsr-4052	125	17	expectations	expectation	NOUN
fsr-4052	125	18	,	,	PUNCT
fsr-4052	125	19	the	the	DET
fsr-4052	125	20	distribution	distribution	NOUN
fsr-4052	125	21	of	of	ADP
fsr-4052	125	22	these	these	DET
fsr-4052	125	23	differences	difference	NOUN
fsr-4052	125	24	also	also	ADV
fsr-4052	125	25	implies	imply	VERB
fsr-4052	125	26	a	a	DET
fsr-4052	125	27	higher	high	ADJ
fsr-4052	125	28	likelihood	likelihood	NOUN
fsr-4052	125	29	of	of	ADP
fsr-4052	125	30	retiring	retire	VERB
fsr-4052	125	31	before	before	ADP
fsr-4052	125	32	expectations	expectation	NOUN
fsr-4052	125	33	.	.	PUNCT
fsr-4052	126	1	as	as	SCONJ
fsr-4052	126	2	figure	figure	NOUN
fsr-4052	126	3	8	8	NUM
fsr-4052	126	4	indicates	indicate	VERB
fsr-4052	126	5	,	,	PUNCT
fsr-4052	126	6	only	only	ADV
fsr-4052	126	7	one	one	NUM
fsr-4052	126	8	in	in	ADP
fsr-4052	126	9	six	six	NUM
fsr-4052	126	10	(	(	PUNCT
fsr-4052	126	11	16	16	NUM
fsr-4052	126	12	%	%	NOUN
fsr-4052	126	13	)	)	PUNCT
fsr-4052	126	14	retired	retire	VERB
fsr-4052	126	15	at	at	ADP
fsr-4052	126	16	the	the	DET
fsr-4052	126	17	age	age	NOUN
fsr-4052	126	18	they	they	PRON
fsr-4052	126	19	expected	expect	VERB
fsr-4052	126	20	.	.	PUNCT
fsr-4052	127	1	including	include	VERB
fsr-4052	127	2	those	those	PRON
fsr-4052	127	3	that	that	PRON
fsr-4052	127	4	accurately	accurately	ADV
fsr-4052	127	5	forecast	forecast	VERB
fsr-4052	127	6	their	their	PRON
fsr-4052	127	7	own	own	ADJ
fsr-4052	127	8	retirement	retirement	NOUN
fsr-4052	127	9	age	age	NOUN
fsr-4052	127	10	,	,	PUNCT
fsr-4052	127	11	36	36	NUM
fsr-4052	127	12	percent	percent	NOUN
fsr-4052	127	13	of	of	ADP
fsr-4052	127	14	the	the	DET
fsr-4052	127	15	sample	sample	NOUN
fsr-4052	127	16	retired	retire	VERB
fsr-4052	127	17	within	within	ADP
fsr-4052	127	18	(	(	PUNCT
fsr-4052	127	19	plus	plus	CCONJ
fsr-4052	127	20	or	or	CCONJ
fsr-4052	127	21	minus	minus	ADJ
fsr-4052	127	22	)	)	PUNCT
fsr-4052	127	23	one	one	NUM
fsr-4052	127	24	year	year	NOUN
fsr-4052	127	25	of	of	ADP
fsr-4052	127	26	their	their	PRON
fsr-4052	127	27	expected	expect	VERB
fsr-4052	127	28	first	first	ADJ
fsr-4052	127	29	retirement	retirement	NOUN
fsr-4052	127	30	age	age	NOUN
fsr-4052	127	31	,	,	PUNCT
fsr-4052	127	32	49	49	NUM
fsr-4052	127	33	percent	percent	NOUN
fsr-4052	127	34	retired	retire	VERB
fsr-4052	127	35	within	within	ADP
fsr-4052	127	36	two	two	NUM
fsr-4052	127	37	years	year	NOUN
fsr-4052	127	38	,	,	PUNCT
fsr-4052	127	39	and	and	CCONJ
fsr-4052	127	40	64	64	NUM
fsr-4052	127	41	percent	percent	NOUN
fsr-4052	127	42	retired	retire	VERB
fsr-4052	127	43	within	within	ADP
fsr-4052	127	44	three	three	NUM
fsr-4052	127	45	years	year	NOUN
fsr-4052	127	46	of	of	ADP
fsr-4052	127	47	their	their	PRON
fsr-4052	127	48	expected	expect	VERB
fsr-4052	127	49	first	first	ADJ
fsr-4052	127	50	retirement	retirement	NOUN
fsr-4052	127	51	age	age	NOUN
fsr-4052	127	52	.	.	PUNCT
fsr-4052	128	1	just	just	ADV
fsr-4052	128	2	under	under	ADP
fsr-4052	128	3	80	80	NUM
fsr-4052	128	4	percent	percent	NOUN
fsr-4052	128	5	retired	retire	VERB
fsr-4052	128	6	within	within	ADP
fsr-4052	128	7	five	five	NUM
fsr-4052	128	8	years	year	NOUN
fsr-4052	128	9	of	of	ADP
fsr-4052	128	10	their	their	PRON
fsr-4052	128	11	expected	expect	VERB
fsr-4052	128	12	retirement	retirement	NOUN
fsr-4052	128	13	ages	age	NOUN
fsr-4052	128	14	,	,	PUNCT
fsr-4052	128	15	and	and	CCONJ
fsr-4052	128	16	almost	almost	ADV
fsr-4052	128	17	5	5	NUM
fsr-4052	128	18	percent	percent	NOUN
fsr-4052	128	19	retired	retire	VERB
fsr-4052	128	20	more	more	ADJ
fsr-4052	128	21	than	than	ADP
fsr-4052	128	22	ten	ten	NUM
fsr-4052	128	23	years	year	NOUN
fsr-4052	128	24	away	away	ADV
fsr-4052	128	25	from	from	ADP
fsr-4052	128	26	the	the	DET
fsr-4052	128	27	retirement	retirement	NOUN
fsr-4052	128	28	age	age	NOUN
fsr-4052	128	29	they	they	PRON
fsr-4052	128	30	had	have	AUX
fsr-4052	128	31	forecasted	forecast	VERB
fsr-4052	128	32	when	when	SCONJ
fsr-4052	128	33	they	they	PRON
fsr-4052	128	34	were	be	AUX
fsr-4052	128	35	in	in	ADP
fsr-4052	128	36	their	their	PRON
fsr-4052	128	37	50s	50	NOUN
fsr-4052	128	38	.	.	PUNCT
fsr-4052	129	1	10	10	NUM
fsr-4052	129	2	the	the	DET
fsr-4052	129	3	skewness	skewness	NOUN
fsr-4052	129	4	of	of	ADP
fsr-4052	129	5	the	the	DET
fsr-4052	129	6	distribution	distribution	NOUN
fsr-4052	129	7	is	be	AUX
fsr-4052	129	8	1.73	1.73	NUM
fsr-4052	129	9	and	and	CCONJ
fsr-4052	129	10	the	the	DET
fsr-4052	129	11	kurtosis	kurtosis	NOUN
fsr-4052	129	12	is	be	AUX
fsr-4052	129	13	3.54	3.54	NUM
fsr-4052	129	14	,	,	PUNCT
fsr-4052	129	15	which	which	PRON
fsr-4052	129	16	indicate	indicate	VERB
fsr-4052	129	17	this	this	DET
fsr-4052	129	18	distribution	distribution	NOUN
fsr-4052	129	19	is	be	AUX
fsr-4052	129	20	a	a	DET
fsr-4052	129	21	based	base	VERB
fsr-4052	129	22	on	on	ADP
fsr-4052	129	23	exhibits	exhibit	NOUN
fsr-4052	129	24	6	6	NUM
fsr-4052	129	25	-	-	SYM
fsr-4052	129	26	8	8	NUM
fsr-4052	129	27	,	,	PUNCT
fsr-4052	129	28	while	while	SCONJ
fsr-4052	129	29	most	most	ADJ
fsr-4052	129	30	older	old	ADJ
fsr-4052	129	31	americans	american	NOUN
fsr-4052	129	32	’	'	PUNCT
fsr-4052	129	33	expected	expect	VERB
fsr-4052	129	34	retirement	retirement	NOUN
fsr-4052	129	35	ages	age	NOUN
fsr-4052	129	36	are	be	AUX
fsr-4052	129	37	centered	center	VERB
fsr-4052	129	38	around	around	ADP
fsr-4052	129	39	two	two	NUM
fsr-4052	129	40	social	social	ADJ
fsr-4052	129	41	security	security	NOUN
fsr-4052	129	42	benefit	benefit	NOUN
fsr-4052	129	43	claiming	claim	VERB
fsr-4052	129	44	ages	age	NOUN
fsr-4052	129	45	–	–	PUNCT
fsr-4052	129	46	62	62	NUM
fsr-4052	129	47	and	and	CCONJ
fsr-4052	129	48	65	65	NUM
fsr-4052	129	49	years	year	NOUN
fsr-4052	129	50	old	old	ADJ
fsr-4052	129	51	,	,	PUNCT
fsr-4052	129	52	the	the	DET
fsr-4052	129	53	distribution	distribution	NOUN
fsr-4052	129	54	of	of	ADP
fsr-4052	129	55	their	their	PRON
fsr-4052	129	56	actual	actual	ADJ
fsr-4052	129	57	retirement	retirement	NOUN
fsr-4052	129	58	ages	age	NOUN
fsr-4052	129	59	follows	follow	VERB
fsr-4052	129	60	a	a	DET
fsr-4052	129	61	left	left	ADJ
fsr-4052	129	62	-	-	PUNCT
fsr-4052	129	63	skewed	skewed	ADJ
fsr-4052	129	64	kernel	kernel	PROPN
fsr-4052	129	65	distribution10	distribution10	PROPN
fsr-4052	129	66	.	.	PUNCT
fsr-4052	130	1	the	the	DET
fsr-4052	130	2	notable	notable	ADJ
fsr-4052	130	3	gap	gap	NOUN
fsr-4052	130	4	(	(	PUNCT
fsr-4052	130	5	see	see	VERB
fsr-4052	130	6	appendix	appendix	NOUN
fsr-4052	130	7	figure	figure	NOUN
fsr-4052	130	8	4	4	NUM
fsr-4052	130	9	)	)	PUNCT
fsr-4052	130	10	between	between	ADP
fsr-4052	130	11	older	old	ADJ
fsr-4052	130	12	americans	american	NOUN
fsr-4052	130	13	’	’	PART
fsr-4052	130	14	actual	actual	ADJ
fsr-4052	130	15	and	and	CCONJ
fsr-4052	130	16	expected	expect	VERB
fsr-4052	130	17	retirement	retirement	NOUN
fsr-4052	130	18	ages	age	NOUN
fsr-4052	130	19	is	be	AUX
fsr-4052	130	20	the	the	DET
fsr-4052	130	21	motivation	motivation	NOUN
fsr-4052	130	22	to	to	PART
fsr-4052	130	23	explore	explore	VERB
fsr-4052	130	24	the	the	DET
fsr-4052	130	25	factors	factor	NOUN
fsr-4052	130	26	that	that	PRON
fsr-4052	130	27	could	could	AUX
fsr-4052	130	28	potentially	potentially	ADV
fsr-4052	130	29	influence	influence	VERB
fsr-4052	130	30	retirement	retirement	NOUN
fsr-4052	130	31	decisions	decision	NOUN
fsr-4052	130	32	.	.	PUNCT
fsr-4052	131	1	using	use	VERB
fsr-4052	131	2	the	the	DET
fsr-4052	131	3	longitudinal	longitudinal	ADJ
fsr-4052	131	4	hrs	hrs	NOUN
fsr-4052	131	5	data	datum	NOUN
fsr-4052	131	6	,	,	PUNCT
fsr-4052	131	7	this	this	DET
fsr-4052	131	8	study	study	NOUN
fsr-4052	131	9	examines	examine	VERB
fsr-4052	131	10	the	the	DET
fsr-4052	131	11	different	different	ADJ
fsr-4052	131	12	socioeconomic	socioeconomic	ADJ
fsr-4052	131	13	and	and	CCONJ
fsr-4052	131	14	demographic	demographic	ADJ
fsr-4052	131	15	factors	factor	NOUN
fsr-4052	131	16	that	that	PRON
fsr-4052	131	17	could	could	AUX
fsr-4052	131	18	possibly	possibly	ADV
fsr-4052	131	19	affect	affect	VERB
fsr-4052	131	20	older	old	ADJ
fsr-4052	131	21	americans	americans	PROPN
fsr-4052	131	22	’	’	PART
fsr-4052	131	23	retirement	retirement	NOUN
fsr-4052	131	24	expectations	expectation	NOUN
fsr-4052	131	25	and	and	CCONJ
fsr-4052	131	26	the	the	DET
fsr-4052	131	27	gaps	gap	NOUN
fsr-4052	131	28	between	between	ADP
fsr-4052	131	29	their	their	PRON
fsr-4052	131	30	actual	actual	ADJ
fsr-4052	131	31	and	and	CCONJ
fsr-4052	131	32	expected	expect	VERB
fsr-4052	131	33	retirement	retirement	NOUN
fsr-4052	131	34	ages	age	NOUN
fsr-4052	131	35	.	.	PUNCT
fsr-4052	132	1	the	the	DET
fsr-4052	132	2	factors	factor	NOUN
fsr-4052	132	3	tested	test	VERB
fsr-4052	132	4	in	in	ADP
fsr-4052	132	5	this	this	DET
fsr-4052	132	6	study	study	NOUN
fsr-4052	132	7	include	include	VERB
fsr-4052	132	8	wealth	wealth	NOUN
fsr-4052	132	9	,	,	PUNCT
fsr-4052	132	10	health	health	NOUN
fsr-4052	132	11	,	,	PUNCT
fsr-4052	132	12	gender	gender	NOUN
fsr-4052	132	13	,	,	PUNCT
fsr-4052	132	14	education	education	NOUN
fsr-4052	132	15	level	level	NOUN
fsr-4052	132	16	,	,	PUNCT
fsr-4052	132	17	selfpositive	selfpositive	ADJ
fsr-4052	132	18	-	-	PUNCT
fsr-4052	132	19	skewed	skewed	ADJ
fsr-4052	132	20	(	(	PUNCT
fsr-4052	132	21	left	leave	VERB
fsr-4052	132	22	-	-	PUNCT
fsr-4052	132	23	skewed	skewed	ADJ
fsr-4052	132	24	)	)	PUNCT
fsr-4052	132	25	leptokurtic	leptokurtic	ADJ
fsr-4052	132	26	distribution	distribution	NOUN
fsr-4052	132	27	.	.	PUNCT
fsr-4052	133	1	0.1%0.1%0.1%0.1%0.2%0.2%0.3%0.4	0.1%0.1%0.1%0.1%0.2%0.2%0.3%0.4	NUM
fsr-4052	133	2	%	%	NOUN
fsr-4052	133	3	0.7%0.7	0.7%0.7	PROPN
fsr-4052	133	4	%	%	NOUN
fsr-4052	133	5	1.2	1.2	NUM
fsr-4052	133	6	%	%	NOUN
fsr-4052	133	7	1.9%2.1	1.9%2.1	NUM
fsr-4052	133	8	%	%	NOUN
fsr-4052	133	9	2.9	2.9	NUM
fsr-4052	133	10	%	%	NOUN
fsr-4052	133	11	3.2	3.2	NUM
fsr-4052	133	12	%	%	NOUN
fsr-4052	133	13	4.4	4.4	NUM
fsr-4052	133	14	%	%	NOUN
fsr-4052	133	15	5.9	5.9	NUM
fsr-4052	133	16	%	%	NOUN
fsr-4052	133	17	9.7	9.7	NUM
fsr-4052	133	18	%	%	NOUN
fsr-4052	133	19	7.7	7.7	NUM
fsr-4052	133	20	%	%	NOUN
fsr-4052	133	21	11.0	11.0	NUM
fsr-4052	133	22	%	%	NOUN
fsr-4052	133	23	16.1	16.1	NUM
fsr-4052	133	24	%	%	NOUN
fsr-4052	133	25	8.5	8.5	NUM
fsr-4052	133	26	%	%	NOUN
fsr-4052	133	27	5.4%5.3	5.4%5.3	NUM
fsr-4052	133	28	%	%	NOUN
fsr-4052	133	29	3.0	3.0	NUM
fsr-4052	133	30	%	%	NOUN
fsr-4052	133	31	2.2	2.2	NUM
fsr-4052	133	32	%	%	NOUN
fsr-4052	133	33	1.6	1.6	NUM
fsr-4052	133	34	%	%	NOUN
fsr-4052	133	35	1.0%1.0	1.0%1.0	NUM
fsr-4052	133	36	%	%	NOUN
fsr-4052	134	1	0.5%0.6%0.6%0.4%0.2%0.1%0.2%0.1%0.0%0.1%0.0	0.5%0.6%0.6%0.4%0.2%0.1%0.2%0.1%0.0%0.1%0.0	NUM
fsr-4052	134	2	%	%	NOUN
fsr-4052	134	3	0	0	NUM
fsr-4052	134	4	%	%	NOUN
fsr-4052	134	5	2	2	NUM
fsr-4052	134	6	%	%	NOUN
fsr-4052	134	7	4	4	NUM
fsr-4052	134	8	%	%	NOUN
fsr-4052	134	9	6	6	NUM
fsr-4052	134	10	%	%	NOUN
fsr-4052	134	11	8	8	NUM
fsr-4052	134	12	%	%	NOUN
fsr-4052	134	13	10	10	NUM
fsr-4052	134	14	%	%	NOUN
fsr-4052	134	15	12	12	NUM
fsr-4052	134	16	%	%	NOUN
fsr-4052	134	17	14	14	NUM
fsr-4052	134	18	%	%	NOUN
fsr-4052	134	19	16	16	NUM
fsr-4052	134	20	%	%	NOUN
fsr-4052	134	21	18	18	NUM
fsr-4052	134	22	%	%	NOUN
fsr-4052	134	23	-20	-20	NUM
fsr-4052	134	24	-18	-18	PUNCT
fsr-4052	135	1	-16	-16	X
fsr-4052	135	2	-14	-14	PUNCT
fsr-4052	135	3	-12	-12	PROPN
fsr-4052	135	4	-10	-10	PUNCT
fsr-4052	136	1	-8	-8	INTJ
fsr-4052	137	1	-6	-6	INTJ
fsr-4052	137	2	-4	-4	INTJ
fsr-4052	138	1	-2	-2	NOUN
fsr-4052	138	2	0	0	NUM
fsr-4052	138	3	2	2	NUM
fsr-4052	138	4	4	4	NUM
fsr-4052	138	5	6	6	NUM
fsr-4052	138	6	8	8	NUM
fsr-4052	138	7	10	10	NUM
fsr-4052	138	8	12	12	NUM
fsr-4052	138	9	14	14	NUM
fsr-4052	138	10	16	16	NUM
fsr-4052	138	11	18	18	NUM
fsr-4052	138	12	fr	fr	NOUN
fsr-4052	138	13	eq	eq	ADP
fsr-4052	138	14	u	u	PROPN
fsr-4052	138	15	en	en	PROPN
fsr-4052	138	16	cy	cy	PROPN
fsr-4052	138	17	d	d	PROPN
fsr-4052	138	18	en	en	ADP
fsr-4052	138	19	si	si	X
fsr-4052	139	1	ty	ty	INTJ
fsr-4052	139	2	(	(	PUNCT
fsr-4052	139	3	%	%	NOUN
fsr-4052	139	4	)	)	PUNCT
fsr-4052	139	5	actual	actual	ADJ
fsr-4052	139	6	minus	minus	CCONJ
fsr-4052	139	7	expected	expect	VERB
fsr-4052	139	8	age	age	NOUN
fsr-4052	139	9	differences	difference	NOUN
fsr-4052	139	10	frequency	frequency	NOUN
fsr-4052	139	11	density	density	NOUN
fsr-4052	139	12	{	{	PUNCT
fsr-4052	139	13	years	year	NOUN
fsr-4052	139	14	earlier	early	ADV
fsr-4052	139	15	than	than	SCONJ
fsr-4052	139	16	expected	expect	VERB
fsr-4052	139	17	}	}	PUNCT
fsr-4052	139	18	{	{	PUNCT
fsr-4052	139	19	years	year	NOUN
fsr-4052	139	20	later	later	ADV
fsr-4052	139	21	than	than	SCONJ
fsr-4052	139	22	expected	expect	VERB
fsr-4052	139	23	}	}	PUNCT
fsr-4052	139	24	1992	1992	NUM
fsr-4052	139	25	respondent	respondent	NOUN
fsr-4052	139	26	level	level	NOUN
fsr-4052	139	27	analyses	analyse	VERB
fsr-4052	139	28	weight	weight	NOUN
fsr-4052	139	29	applied	apply	VERB
fsr-4052	139	30	financial	financial	ADJ
fsr-4052	139	31	services	service	NOUN
fsr-4052	139	32	review	review	NOUN
fsr-4052	139	33	,	,	PUNCT
fsr-4052	139	34	33(1	33(1	NUM
fsr-4052	139	35	)	)	PUNCT
fsr-4052	139	36	39	39	NUM
fsr-4052	139	37	perceived	perceive	VERB
fsr-4052	139	38	life	life	NOUN
fsr-4052	139	39	expectancy	expectancy	NOUN
fsr-4052	139	40	,	,	PUNCT
fsr-4052	139	41	age	age	NOUN
fsr-4052	139	42	,	,	PUNCT
fsr-4052	139	43	financial	financial	ADJ
fsr-4052	139	44	planning	planning	NOUN
fsr-4052	139	45	horizon	horizon	NOUN
fsr-4052	139	46	,	,	PUNCT
fsr-4052	139	47	major	major	ADJ
fsr-4052	139	48	illness	illness	NOUN
fsr-4052	139	49	diagnosis	diagnosis	NOUN
fsr-4052	139	50	,	,	PUNCT
fsr-4052	139	51	race	race	NOUN
fsr-4052	139	52	,	,	PUNCT
fsr-4052	139	53	number	number	NOUN
fsr-4052	139	54	of	of	ADP
fsr-4052	139	55	children	child	NOUN
fsr-4052	139	56	,	,	PUNCT
fsr-4052	139	57	and	and	CCONJ
fsr-4052	139	58	marital	marital	ADJ
fsr-4052	139	59	status	status	NOUN
fsr-4052	139	60	.	.	PUNCT
fsr-4052	140	1	table	table	NOUN
fsr-4052	140	2	1	1	NUM
fsr-4052	140	3	summarizes	summarize	NOUN
fsr-4052	140	4	some	some	PRON
fsr-4052	140	5	of	of	ADP
fsr-4052	140	6	these	these	DET
fsr-4052	140	7	socioeconomic	socioeconomic	ADJ
fsr-4052	140	8	and	and	CCONJ
fsr-4052	140	9	demographic	demographic	ADJ
fsr-4052	140	10	variables	variable	NOUN
fsr-4052	140	11	with	with	ADP
fsr-4052	140	12	significant	significant	ADJ
fsr-4052	140	13	effects	effect	NOUN
fsr-4052	140	14	on	on	ADP
fsr-4052	140	15	older	old	ADJ
fsr-4052	140	16	americans	americans	PROPN
fsr-4052	140	17	’	’	PART
fsr-4052	140	18	retirement	retirement	NOUN
fsr-4052	140	19	age	age	NOUN
fsr-4052	140	20	decisions	decision	NOUN
fsr-4052	140	21	based	base	VERB
fsr-4052	140	22	on	on	ADP
fsr-4052	140	23	the	the	DET
fsr-4052	140	24	results	result	NOUN
fsr-4052	140	25	of	of	ADP
fsr-4052	140	26	the	the	DET
fsr-4052	140	27	regression	regression	NOUN
fsr-4052	140	28	studies	study	NOUN
fsr-4052	140	29	that	that	PRON
fsr-4052	140	30	follow	follow	VERB
fsr-4052	140	31	.	.	PUNCT
fsr-4052	141	1	table	table	NOUN
fsr-4052	141	2	1	1	NUM
fsr-4052	141	3	.	.	X
fsr-4052	141	4	association	association	NOUN
fsr-4052	141	5	or	or	CCONJ
fsr-4052	141	6	impact	impact	NOUN
fsr-4052	141	7	of	of	ADP
fsr-4052	141	8	different	different	ADJ
fsr-4052	141	9	factors	factor	NOUN
fsr-4052	141	10	on	on	ADP
fsr-4052	141	11	retirement	retirement	NOUN
fsr-4052	141	12	age	age	NOUN
fsr-4052	141	13	decisions	decision	NOUN
fsr-4052	141	14	(	(	PUNCT
fsr-4052	141	15	summary	summary	NOUN
fsr-4052	141	16	)	)	PUNCT
fsr-4052	141	17	association	association	NOUN
fsr-4052	141	18	with	with	ADP
fsr-4052	141	19	expected	expect	VERB
fsr-4052	141	20	retirement	retirement	NOUN
fsr-4052	141	21	age	age	NOUN
fsr-4052	141	22	association	association	NOUN
fsr-4052	141	23	with	with	ADP
fsr-4052	141	24	actual	actual	ADJ
fsr-4052	141	25	retirement	retirement	NOUN
fsr-4052	141	26	age	age	NOUN
fsr-4052	141	27	longitudinal	longitudinal	ADJ
fsr-4052	141	28	impact	impact	NOUN
fsr-4052	141	29	on	on	ADP
fsr-4052	141	30	retirement	retirement	NOUN
fsr-4052	141	31	expectations	expectation	NOUN
fsr-4052	141	32	(	(	PUNCT
fsr-4052	141	33	1992	1992	NUM
fsr-4052	141	34	2018	2018	NUM
fsr-4052	141	35	)	)	PUNCT
fsr-4052	141	36	longitudinal	longitudinal	ADJ
fsr-4052	141	37	impact	impact	NOUN
fsr-4052	141	38	on	on	ADP
fsr-4052	141	39	the	the	DET
fsr-4052	141	40	gaps	gap	NOUN
fsr-4052	141	41	(	(	PUNCT
fsr-4052	141	42	expectation	expectation	NOUN
fsr-4052	141	43	accuracy	accuracy	NOUN
fsr-4052	141	44	)	)	PUNCT
fsr-4052	141	45	longitudinal	longitudinal	ADJ
fsr-4052	141	46	impact	impact	NOUN
fsr-4052	141	47	on	on	ADP
fsr-4052	141	48	likelihood	likelihood	NOUN
fsr-4052	141	49	of	of	ADP
fsr-4052	141	50	retire	retire	NOUN
fsr-4052	141	51	earlier	early	ADV
fsr-4052	141	52	or	or	CCONJ
fsr-4052	141	53	later	later	ADJ
fsr-4052	141	54	factors	factor	NOUN
fsr-4052	141	55	earlier	early	ADV
fsr-4052	141	56	(	(	PUNCT
fsr-4052	141	57	-	-	SYM
fsr-4052	141	58	)	)	PUNCT
fsr-4052	141	59	later	later	ADV
fsr-4052	141	60	(	(	PUNCT
fsr-4052	141	61	+	+	NOUN
fsr-4052	141	62	)	)	PUNCT
fsr-4052	141	63	earlier	early	ADV
fsr-4052	141	64	(	(	PUNCT
fsr-4052	141	65	-	-	SYM
fsr-4052	141	66	)	)	PUNCT
fsr-4052	141	67	later	later	ADV
fsr-4052	141	68	(	(	PUNCT
fsr-4052	141	69	+	+	ADJ
fsr-4052	141	70	)	)	PUNCT
fsr-4052	141	71	hasten	hasten	NOUN
fsr-4052	141	72	(	(	PUNCT
fsr-4052	141	73	-	-	PUNCT
fsr-4052	141	74	)	)	PUNCT
fsr-4052	141	75	delay	delay	NOUN
fsr-4052	141	76	(	(	PUNCT
fsr-4052	141	77	+	+	ADJ
fsr-4052	141	78	)	)	PUNCT
fsr-4052	141	79	bigger	big	ADJ
fsr-4052	141	80	(	(	PUNCT
fsr-4052	141	81	+	+	NOUN
fsr-4052	141	82	)	)	PUNCT
fsr-4052	141	83	(	(	PUNCT
fsr-4052	141	84	less	less	ADV
fsr-4052	141	85	accurate	accurate	ADJ
fsr-4052	141	86	)	)	PUNCT
fsr-4052	141	87	smaller	small	ADJ
fsr-4052	141	88	(	(	PUNCT
fsr-4052	141	89	-	-	PUNCT
fsr-4052	141	90	)	)	PUNCT
fsr-4052	141	91	(	(	PUNCT
fsr-4052	141	92	more	more	ADV
fsr-4052	141	93	accurate	accurate	ADJ
fsr-4052	141	94	)	)	PUNCT
fsr-4052	141	95	earlier	early	ADV
fsr-4052	141	96	(	(	PUNCT
fsr-4052	141	97	-	-	SYM
fsr-4052	141	98	)	)	PUNCT
fsr-4052	141	99	later	later	ADV
fsr-4052	141	100	(	(	PUNCT
fsr-4052	141	101	+	+	ADJ
fsr-4052	141	102	)	)	PUNCT
fsr-4052	141	103	health	health	NOUN
fsr-4052	141	104	improve	improve	NOUN
fsr-4052	141	105	expect	expect	VERB
fsr-4052	141	106	to	to	PART
fsr-4052	141	107	retire	retire	VERB
fsr-4052	141	108	later	later	ADV
fsr-4052	141	109	*	*	PUNCT
fsr-4052	141	110	*	*	PUNCT
fsr-4052	141	111	retire	retire	VERB
fsr-4052	141	112	later	later	ADV
fsr-4052	141	113	*	*	PUNCT
fsr-4052	141	114	*	*	PUNCT
fsr-4052	141	115	hasten	hasten	VERB
fsr-4052	141	116	retirement	retirement	NOUN
fsr-4052	141	117	expectations	expectation	NOUN
fsr-4052	141	118	*	*	PUNCT
fsr-4052	141	119	*	*	PUNCT
fsr-4052	141	120	*	*	PUNCT
fsr-4052	141	121	increase	increase	NOUN
fsr-4052	141	122	gaps	gap	NOUN
fsr-4052	141	123	*	*	NOUN
fsr-4052	141	124	*	*	PUNCT
fsr-4052	141	125	likely	likely	ADJ
fsr-4052	141	126	to	to	PART
fsr-4052	141	127	retire	retire	VERB
fsr-4052	141	128	later	later	ADV
fsr-4052	141	129	*	*	PUNCT
fsr-4052	141	130	*	*	PUNCT
fsr-4052	141	131	*	*	VERB
fsr-4052	141	132	wealth	wealth	NOUN
fsr-4052	141	133	increase	increase	NOUN
fsr-4052	141	134	expect	expect	VERB
fsr-4052	141	135	to	to	PART
fsr-4052	141	136	retire	retire	VERB
fsr-4052	141	137	earlier	early	ADV
fsr-4052	141	138	*	*	PUNCT
fsr-4052	141	139	*	*	PUNCT
fsr-4052	141	140	*	*	PUNCT
fsr-4052	141	141	retire	retire	VERB
fsr-4052	141	142	earlier	early	ADV
fsr-4052	141	143	*	*	PUNCT
fsr-4052	141	144	*	*	PUNCT
fsr-4052	141	145	*	*	PUNCT
fsr-4052	141	146	delay	delay	PROPN
fsr-4052	141	147	retirement	retirement	NOUN
fsr-4052	141	148	expectations	expectation	NOUN
fsr-4052	141	149	*	*	PUNCT
fsr-4052	141	150	*	*	PUNCT
fsr-4052	141	151	*	*	PUNCT
fsr-4052	141	152	decrease	decrease	NOUN
fsr-4052	141	153	gaps	gap	VERB
fsr-4052	141	154	*	*	PUNCT
fsr-4052	141	155	*	*	PUNCT
fsr-4052	141	156	*	*	PUNCT
fsr-4052	141	157	likely	likely	ADJ
fsr-4052	141	158	to	to	PART
fsr-4052	141	159	retire	retire	VERB
fsr-4052	141	160	earlier	early	ADJ
fsr-4052	141	161	*	*	PUNCT
fsr-4052	141	162	*	*	NOUN
fsr-4052	141	163	self	self	NOUN
fsr-4052	141	164	-	-	PUNCT
fsr-4052	141	165	perceived	perceive	VERB
fsr-4052	141	166	life	life	NOUN
fsr-4052	141	167	expectancy	expectancy	NOUN
fsr-4052	141	168	increase	increase	NOUN
fsr-4052	141	169	expect	expect	VERB
fsr-4052	141	170	to	to	PART
fsr-4052	141	171	retire	retire	VERB
fsr-4052	141	172	later	later	ADV
fsr-4052	141	173	*	*	PUNCT
fsr-4052	141	174	*	*	PUNCT
fsr-4052	141	175	*	*	PUNCT
fsr-4052	141	176	(	(	PUNCT
fsr-4052	141	177	not	not	PART
fsr-4052	141	178	significant	significant	ADJ
fsr-4052	141	179	)	)	PUNCT
fsr-4052	141	180	hasten	hasten	VERB
fsr-4052	141	181	retirement	retirement	NOUN
fsr-4052	141	182	expectations	expectation	NOUN
fsr-4052	141	183	*	*	PUNCT
fsr-4052	141	184	*	*	PUNCT
fsr-4052	141	185	*	*	PUNCT
fsr-4052	141	186	increase	increase	NOUN
fsr-4052	141	187	gaps	gap	NOUN
fsr-4052	141	188	*	*	NOUN
fsr-4052	141	189	*	*	PUNCT
fsr-4052	141	190	*	*	PUNCT
fsr-4052	141	191	likely	likely	ADJ
fsr-4052	141	192	to	to	PART
fsr-4052	141	193	retire	retire	VERB
fsr-4052	141	194	later	later	ADV
fsr-4052	141	195	*	*	PUNCT
fsr-4052	141	196	*	*	AUX
fsr-4052	141	197	*	*	PUNCT
fsr-4052	141	198	getting	getting	AUX
fsr-4052	141	199	married	marry	VERB
fsr-4052	141	200	(	(	PUNCT
fsr-4052	141	201	not	not	PART
fsr-4052	141	202	statistically	statistically	ADV
fsr-4052	141	203	significant	significant	ADJ
fsr-4052	141	204	)	)	PUNCT
fsr-4052	141	205	hasten	hasten	VERB
fsr-4052	141	206	retirement	retirement	NOUN
fsr-4052	141	207	expectations	expectation	NOUN
fsr-4052	141	208	*	*	PUNCT
fsr-4052	141	209	*	*	PUNCT
fsr-4052	141	210	increase	increase	NOUN
fsr-4052	141	211	gaps	gap	NOUN
fsr-4052	141	212	*	*	NOUN
fsr-4052	141	213	*	*	PUNCT
fsr-4052	141	214	likely	likely	ADJ
fsr-4052	141	215	to	to	PART
fsr-4052	141	216	retire	retire	VERB
fsr-4052	141	217	later	later	ADV
fsr-4052	141	218	*	*	PUNCT
fsr-4052	141	219	divorce	divorce	NOUN
fsr-4052	141	220	/	/	PUNCT
fsr-4052	141	221	widowed	widow	VERB
fsr-4052	141	222	expect	expect	VERB
fsr-4052	141	223	to	to	PART
fsr-4052	141	224	retire	retire	VERB
fsr-4052	141	225	later	later	ADV
fsr-4052	141	226	*	*	PUNCT
fsr-4052	141	227	*	*	PUNCT
fsr-4052	141	228	(	(	PUNCT
fsr-4052	141	229	not	not	PART
fsr-4052	141	230	significant	significant	ADJ
fsr-4052	141	231	)	)	PUNCT
fsr-4052	141	232	delay	delay	VERB
fsr-4052	141	233	retirement	retirement	NOUN
fsr-4052	141	234	expectations	expectation	NOUN
fsr-4052	141	235	*	*	PUNCT
fsr-4052	141	236	*	*	PUNCT
fsr-4052	141	237	*	*	PUNCT
fsr-4052	141	238	decrease	decrease	NOUN
fsr-4052	141	239	gaps	gap	VERB
fsr-4052	141	240	*	*	PUNCT
fsr-4052	141	241	*	*	PUNCT
fsr-4052	141	242	*	*	PUNCT
fsr-4052	141	243	likely	likely	ADJ
fsr-4052	141	244	to	to	PART
fsr-4052	141	245	retire	retire	VERB
fsr-4052	141	246	earlier	early	ADJ
fsr-4052	141	247	*	*	PUNCT
fsr-4052	141	248	major	major	ADJ
fsr-4052	141	249	illness	illness	NOUN
fsr-4052	141	250	diagnosis	diagnosis	NOUN
fsr-4052	141	251	expect	expect	VERB
fsr-4052	141	252	to	to	PART
fsr-4052	141	253	retire	retire	VERB
fsr-4052	141	254	earlier	early	ADV
fsr-4052	141	255	*	*	PUNCT
fsr-4052	141	256	*	*	PUNCT
fsr-4052	141	257	retire	retire	VERB
fsr-4052	141	258	earlier	early	ADV
fsr-4052	141	259	*	*	PUNCT
fsr-4052	141	260	*	*	PUNCT
fsr-4052	141	261	*	*	PUNCT
fsr-4052	141	262	delay	delay	PROPN
fsr-4052	141	263	retirement	retirement	NOUN
fsr-4052	141	264	expectations	expectation	NOUN
fsr-4052	141	265	*	*	PUNCT
fsr-4052	141	266	*	*	PUNCT
fsr-4052	141	267	*	*	PUNCT
fsr-4052	141	268	decrease	decrease	NOUN
fsr-4052	141	269	gaps	gap	VERB
fsr-4052	141	270	*	*	PUNCT
fsr-4052	141	271	*	*	PUNCT
fsr-4052	141	272	*	*	PUNCT
fsr-4052	141	273	likely	likely	ADJ
fsr-4052	141	274	to	to	PART
fsr-4052	141	275	retire	retire	VERB
fsr-4052	141	276	earlier	early	ADV
fsr-4052	141	277	*	*	PUNCT
fsr-4052	141	278	*	*	PUNCT
fsr-4052	141	279	*	*	PUNCT
fsr-4052	141	280	note	note	NOUN
fsr-4052	141	281	:	:	PUNCT
fsr-4052	141	282	*	*	PUNCT
fsr-4052	141	283	p	p	X
fsr-4052	141	284	<	<	X
fsr-4052	141	285	0.05	0.05	NUM
fsr-4052	141	286	,	,	PUNCT
fsr-4052	141	287	*	*	PUNCT
fsr-4052	141	288	*	*	PUNCT
fsr-4052	141	289	p	p	X
fsr-4052	141	290	<	<	X
fsr-4052	141	291	0.01	0.01	NUM
fsr-4052	141	292	,	,	PUNCT
fsr-4052	141	293	*	*	PUNCT
fsr-4052	141	294	*	*	PUNCT
fsr-4052	141	295	*	*	PUNCT
fsr-4052	142	1	p	p	X
fsr-4052	142	2	<	<	X
fsr-4052	142	3	0.001	0.001	NUM
fsr-4052	142	4	.	.	PUNCT
fsr-4052	143	1	the	the	DET
fsr-4052	143	2	first	first	ADJ
fsr-4052	143	3	two	two	NUM
fsr-4052	143	4	columns	column	NOUN
fsr-4052	143	5	select	select	VERB
fsr-4052	143	6	results	result	NOUN
fsr-4052	143	7	from	from	ADP
fsr-4052	143	8	cross	cross	ADJ
fsr-4052	143	9	-	-	ADJ
fsr-4052	143	10	sectional	sectional	ADJ
fsr-4052	143	11	ols	ol	NOUN
fsr-4052	143	12	regressions	regression	NOUN
fsr-4052	143	13	,	,	PUNCT
fsr-4052	143	14	and	and	CCONJ
fsr-4052	143	15	the	the	DET
fsr-4052	143	16	last	last	ADJ
fsr-4052	143	17	three	three	NUM
fsr-4052	143	18	columns	column	NOUN
fsr-4052	143	19	select	select	VERB
fsr-4052	143	20	results	result	NOUN
fsr-4052	143	21	from	from	ADP
fsr-4052	143	22	longitudinal	longitudinal	ADJ
fsr-4052	143	23	fixed	fix	VERB
fsr-4052	143	24	-	-	PUNCT
fsr-4052	143	25	effects	effect	NOUN
fsr-4052	143	26	and	and	CCONJ
fsr-4052	143	27	ordered	order	VERB
fsr-4052	143	28	probit	probit	NOUN
fsr-4052	143	29	regressions	regression	NOUN
fsr-4052	143	30	.	.	PUNCT
fsr-4052	144	1	the	the	DET
fsr-4052	144	2	regression	regression	NOUN
fsr-4052	144	3	sample	sample	NOUN
fsr-4052	144	4	is	be	AUX
fsr-4052	144	5	based	base	VERB
fsr-4052	144	6	on	on	ADP
fsr-4052	144	7	the	the	DET
fsr-4052	144	8	5,912	5,912	NUM
fsr-4052	144	9	participants	participant	NOUN
fsr-4052	144	10	who	who	PRON
fsr-4052	144	11	were	be	AUX
fsr-4052	144	12	in	in	ADP
fsr-4052	144	13	their	their	PRON
fsr-4052	144	14	50s	50	NOUN
fsr-4052	144	15	during	during	ADP
fsr-4052	144	16	the	the	DET
fsr-4052	144	17	1992	1992	NUM
fsr-4052	144	18	hrs	hrs	NOUN
fsr-4052	144	19	survey	survey	NOUN
fsr-4052	144	20	wave	wave	NOUN
fsr-4052	144	21	and	and	CCONJ
fsr-4052	144	22	retired	retire	VERB
fsr-4052	144	23	after	after	ADP
fsr-4052	144	24	the	the	DET
fsr-4052	144	25	year	year	NOUN
fsr-4052	144	26	1992	1992	NUM
fsr-4052	144	27	.	.	PUNCT
fsr-4052	145	1	using	use	VERB
fsr-4052	145	2	the	the	DET
fsr-4052	145	3	cross	cross	ADJ
fsr-4052	145	4	-	-	ADJ
fsr-4052	145	5	sectional	sectional	ADJ
fsr-4052	145	6	ols	ol	NOUN
fsr-4052	145	7	regression	regression	NOUN
fsr-4052	145	8	(	(	PUNCT
fsr-4052	145	9	results	result	NOUN
fsr-4052	145	10	in	in	ADP
fsr-4052	145	11	table	table	NOUN
fsr-4052	145	12	2	2	NUM
fsr-4052	145	13	)	)	PUNCT
fsr-4052	145	14	,	,	PUNCT
fsr-4052	145	15	we	we	PRON
fsr-4052	145	16	first	first	ADV
fsr-4052	145	17	examine	examine	VERB
fsr-4052	145	18	the	the	DET
fsr-4052	145	19	factors	factor	NOUN
fsr-4052	145	20	that	that	PRON
fsr-4052	145	21	are	be	AUX
fsr-4052	145	22	associated	associate	VERB
fsr-4052	145	23	with	with	ADP
fsr-4052	145	24	older	old	ADJ
fsr-4052	145	25	americans	american	NOUN
fsr-4052	145	26	’	'	PUNCT
fsr-4052	145	27	expected	expect	VERB
fsr-4052	145	28	retirement	retirement	NOUN
fsr-4052	145	29	ages	age	NOUN
fsr-4052	145	30	and	and	CCONJ
fsr-4052	145	31	their	their	PRON
fsr-4052	145	32	actual	actual	ADJ
fsr-4052	145	33	retirement	retirement	NOUN
fsr-4052	145	34	ages	age	NOUN
fsr-4052	145	35	.	.	PUNCT
fsr-4052	146	1	the	the	DET
fsr-4052	146	2	regression	regression	NOUN
fsr-4052	146	3	results	result	NOUN
fsr-4052	146	4	indicate	indicate	VERB
fsr-4052	146	5	that	that	SCONJ
fsr-4052	146	6	keeping	keep	VERB
fsr-4052	146	7	everything	everything	PRON
fsr-4052	146	8	else	else	ADV
fsr-4052	146	9	equal	equal	ADJ
fsr-4052	146	10	(	(	PUNCT
fsr-4052	146	11	ceteris	ceteris	NOUN
fsr-4052	146	12	paribus	paribus	NOUN
fsr-4052	146	13	)	)	PUNCT
fsr-4052	146	14	,	,	PUNCT
fsr-4052	146	15	participants	participant	NOUN
fsr-4052	146	16	with	with	ADP
fsr-4052	146	17	more	more	ADJ
fsr-4052	146	18	education	education	NOUN
fsr-4052	146	19	,	,	PUNCT
fsr-4052	146	20	better	well	ADJ
fsr-4052	146	21	health	health	NOUN
fsr-4052	146	22	,	,	PUNCT
fsr-4052	146	23	longer	long	ADJ
fsr-4052	146	24	self	self	NOUN
fsr-4052	146	25	-	-	PUNCT
fsr-4052	146	26	perceived	perceive	VERB
fsr-4052	146	27	life	life	NOUN
fsr-4052	146	28	expectancy	expectancy	NOUN
fsr-4052	146	29	,	,	PUNCT
fsr-4052	146	30	a	a	DET
fsr-4052	146	31	larger	large	ADJ
fsr-4052	146	32	number	number	NOUN
fsr-4052	146	33	of	of	ADP
fsr-4052	146	34	living	live	VERB
fsr-4052	146	35	children	child	NOUN
fsr-4052	146	36	,	,	PUNCT
fsr-4052	146	37	and	and	CCONJ
fsr-4052	146	38	older	old	ADJ
fsr-4052	146	39	age	age	NOUN
fsr-4052	146	40	are	be	AUX
fsr-4052	146	41	associated	associate	VERB
fsr-4052	146	42	with	with	ADP
fsr-4052	146	43	both	both	PRON
fsr-4052	146	44	later	later	ADJ
fsr-4052	146	45	retirement	retirement	NOUN
fsr-4052	146	46	expectations	expectation	NOUN
fsr-4052	146	47	and	and	CCONJ
fsr-4052	146	48	actual	actual	ADJ
fsr-4052	146	49	retirement	retirement	NOUN
fsr-4052	146	50	ages	age	NOUN
fsr-4052	146	51	in	in	ADP
fsr-4052	146	52	their	their	PRON
fsr-4052	146	53	50s	50	NOUN
fsr-4052	146	54	.	.	PUNCT
fsr-4052	147	1	on	on	ADP
fsr-4052	147	2	the	the	DET
fsr-4052	147	3	contrary	contrary	NOUN
fsr-4052	147	4	,	,	PUNCT
fsr-4052	147	5	having	have	VERB
fsr-4052	147	6	more	more	ADJ
fsr-4052	147	7	wealth	wealth	NOUN
fsr-4052	147	8	and	and	CCONJ
fsr-4052	147	9	major	major	ADJ
fsr-4052	147	10	illness	illness	NOUN
fsr-4052	147	11	diagnoses	diagnosis	NOUN
fsr-4052	147	12	are	be	AUX
fsr-4052	147	13	factors	factor	NOUN
fsr-4052	147	14	that	that	PRON
fsr-4052	147	15	are	be	AUX
fsr-4052	147	16	associated	associate	VERB
fsr-4052	147	17	with	with	ADP
fsr-4052	147	18	both	both	CCONJ
fsr-4052	147	19	earlier	early	ADJ
fsr-4052	147	20	retirement	retirement	NOUN
fsr-4052	147	21	expectations	expectation	NOUN
fsr-4052	147	22	and	and	CCONJ
fsr-4052	147	23	actual	actual	ADJ
fsr-4052	147	24	retirement	retirement	NOUN
fsr-4052	147	25	ages	age	NOUN
fsr-4052	147	26	.	.	PUNCT
fsr-4052	148	1	liu	liu	PROPN
fsr-4052	148	2	et	et	PROPN
fsr-4052	148	3	al	al	PROPN
fsr-4052	148	4	.	.	PROPN
fsr-4052	149	1	40	40	NUM
fsr-4052	149	2	table	table	NOUN
fsr-4052	149	3	2	2	NUM
fsr-4052	149	4	:	:	PUNCT
fsr-4052	149	5	ols	ol	NOUN
fsr-4052	149	6	regression	regression	NOUN
fsr-4052	149	7	on	on	ADP
fsr-4052	149	8	factors	factor	NOUN
fsr-4052	149	9	associated	associate	VERB
fsr-4052	149	10	with	with	ADP
fsr-4052	149	11	average	average	ADJ
fsr-4052	149	12	retirement	retirement	NOUN
fsr-4052	149	13	expectations	expectation	NOUN
fsr-4052	149	14	and	and	CCONJ
fsr-4052	149	15	actual	actual	ADJ
fsr-4052	149	16	retirement	retirement	NOUN
fsr-4052	149	17	age	age	NOUN
fsr-4052	149	18	decision	decision	NOUN
fsr-4052	149	19	independent	independent	ADJ
fsr-4052	149	20	variables	variable	NOUN
fsr-4052	149	21	dependent	dependent	ADJ
fsr-4052	149	22	variable	variable	NOUN
fsr-4052	149	23	:	:	PUNCT
fsr-4052	149	24	actual	actual	ADJ
fsr-4052	149	25	retirement	retirement	NOUN
fsr-4052	149	26	age	age	NOUN
fsr-4052	149	27	dependent	dependent	ADJ
fsr-4052	149	28	variable	variable	NOUN
fsr-4052	149	29	:	:	PUNCT
fsr-4052	149	30	average	average	ADJ
fsr-4052	149	31	expected	expect	VERB
fsr-4052	149	32	retirement	retirement	NOUN
fsr-4052	149	33	age	age	NOUN
fsr-4052	149	34	age_1992	age_1992	ADV
fsr-4052	149	35	0.351	0.351	NUM
fsr-4052	149	36	*	*	PUNCT
fsr-4052	149	37	*	*	PUNCT
fsr-4052	149	38	*	*	PUNCT
fsr-4052	149	39	0.259	0.259	NUM
fsr-4052	149	40	*	*	PUNCT
fsr-4052	149	41	*	*	PUNCT
fsr-4052	149	42	*	*	PUNCT
fsr-4052	149	43	(	(	PUNCT
fsr-4052	149	44	0.029	0.029	NUM
fsr-4052	149	45	)	)	PUNCT
fsr-4052	149	46	(	(	PUNCT
fsr-4052	149	47	0.034	0.034	NUM
fsr-4052	149	48	)	)	PUNCT
fsr-4052	149	49	female	female	NOUN
fsr-4052	149	50	0.245	0.245	NUM
fsr-4052	149	51	-0.306	-0.306	NUM
fsr-4052	149	52	(	(	PUNCT
fsr-4052	149	53	0.148	0.148	NUM
fsr-4052	149	54	)	)	PUNCT
fsr-4052	149	55	(	(	PUNCT
fsr-4052	149	56	0.173	0.173	NUM
fsr-4052	149	57	)	)	PUNCT
fsr-4052	149	58	married1992	married1992	PROPN
fsr-4052	149	59	0.0470	0.0470	NUM
fsr-4052	149	60	0.308	0.308	NUM
fsr-4052	149	61	(	(	PUNCT
fsr-4052	149	62	0.193	0.193	NUM
fsr-4052	149	63	)	)	PUNCT
fsr-4052	149	64	(	(	PUNCT
fsr-4052	149	65	0.227	0.227	NUM
fsr-4052	149	66	)	)	PUNCT
fsr-4052	149	67	education	education	NOUN
fsr-4052	149	68	years	year	NOUN
fsr-4052	149	69	0.0804	0.0804	NUM
fsr-4052	149	70	*	*	SYM
fsr-4052	149	71	*	*	NOUN
fsr-4052	149	72	0.221	0.221	NUM
fsr-4052	149	73	*	*	PUNCT
fsr-4052	149	74	*	*	PUNCT
fsr-4052	149	75	*	*	PUNCT
fsr-4052	149	76	(	(	PUNCT
fsr-4052	149	77	0.029	0.029	NUM
fsr-4052	149	78	)	)	PUNCT
fsr-4052	149	79	(	(	PUNCT
fsr-4052	149	80	0.034	0.034	NUM
fsr-4052	149	81	)	)	PUNCT
fsr-4052	149	82	ln(wealth1992	ln(wealth1992	PROPN
fsr-4052	149	83	)	)	PUNCT
fsr-4052	149	84	-0.231	-0.231	NUM
fsr-4052	150	1	*	*	PUNCT
fsr-4052	150	2	*	*	PUNCT
fsr-4052	150	3	*	*	PUNCT
fsr-4052	150	4	-0.321	-0.321	PROPN
fsr-4052	150	5	*	*	PUNCT
fsr-4052	150	6	*	*	PUNCT
fsr-4052	150	7	*	*	PUNCT
fsr-4052	150	8	(	(	PUNCT
fsr-4052	150	9	0.055	0.055	NUM
fsr-4052	150	10	)	)	PUNCT
fsr-4052	150	11	(	(	PUNCT
fsr-4052	150	12	0.067	0.067	NUM
fsr-4052	150	13	)	)	PUNCT
fsr-4052	150	14	race	race	NOUN
fsr-4052	150	15	black	black	NOUN
fsr-4052	150	16	(	(	PUNCT
fsr-4052	150	17	race	race	NOUN
fsr-4052	150	18	white	white	ADJ
fsr-4052	150	19	omitted	omit	VERB
fsr-4052	150	20	)	)	PUNCT
fsr-4052	150	21	0.0477	0.0477	NUM
fsr-4052	150	22	-0.482	-0.482	PUNCT
fsr-4052	150	23	(	(	PUNCT
fsr-4052	150	24	0.273	0.273	NUM
fsr-4052	150	25	)	)	PUNCT
fsr-4052	150	26	(	(	PUNCT
fsr-4052	150	27	0.316	0.316	NUM
fsr-4052	150	28	)	)	PUNCT
fsr-4052	150	29	race	race	NOUN
fsr-4052	150	30	other	other	ADJ
fsr-4052	150	31	0.808	0.808	NUM
fsr-4052	150	32	*	*	PUNCT
fsr-4052	150	33	0.0545	0.0545	NUM
fsr-4052	150	34	(	(	PUNCT
fsr-4052	150	35	0.408	0.408	NUM
fsr-4052	150	36	)	)	PUNCT
fsr-4052	150	37	(	(	PUNCT
fsr-4052	150	38	0.500	0.500	NUM
fsr-4052	150	39	)	)	PUNCT
fsr-4052	150	40	finplanhorizon1992	finplanhorizon1992	PROPN
fsr-4052	150	41	0.0795	0.0795	NUM
fsr-4052	150	42	-0.0974	-0.0974	NOUN
fsr-4052	150	43	(	(	PUNCT
fsr-4052	150	44	0.065	0.065	NUM
fsr-4052	150	45	)	)	PUNCT
fsr-4052	150	46	(	(	PUNCT
fsr-4052	150	47	0.078	0.078	NUM
fsr-4052	150	48	)	)	PUNCT
fsr-4052	150	49	everhadcancerorheartprob1992	everhadcancerorheartprob1992	PROPN
fsr-4052	150	50	-0.629	-0.629	X
fsr-4052	150	51	*	*	PUNCT
fsr-4052	150	52	*	*	PUNCT
fsr-4052	151	1	-1.041	-1.041	PUNCT
fsr-4052	151	2	*	*	PUNCT
fsr-4052	151	3	*	*	PUNCT
fsr-4052	151	4	*	*	PUNCT
fsr-4052	151	5	(	(	PUNCT
fsr-4052	151	6	0.239	0.239	NUM
fsr-4052	151	7	)	)	PUNCT
fsr-4052	151	8	(	(	PUNCT
fsr-4052	151	9	0.287	0.287	NUM
fsr-4052	151	10	)	)	PUNCT
fsr-4052	151	11	health1992	health1992	PROPN
fsr-4052	151	12	0.681	0.681	NUM
fsr-4052	151	13	*	*	PUNCT
fsr-4052	151	14	*	*	PUNCT
fsr-4052	152	1	*	*	PUNCT
fsr-4052	152	2	0.549	0.549	NUM
fsr-4052	152	3	*	*	PUNCT
fsr-4052	152	4	*	*	PUNCT
fsr-4052	152	5	*	*	PUNCT
fsr-4052	152	6	(	(	PUNCT
fsr-4052	152	7	0.077	0.077	NUM
fsr-4052	152	8	)	)	PUNCT
fsr-4052	152	9	(	(	PUNCT
fsr-4052	152	10	0.093	0.093	NUM
fsr-4052	152	11	)	)	PUNCT
fsr-4052	152	12	numberofdivorces1992	numberofdivorces1992	PROPN
fsr-4052	152	13	0.0667	0.0667	NUM
fsr-4052	152	14	0.443	0.443	NUM
fsr-4052	152	15	*	*	PUNCT
fsr-4052	152	16	*	*	PUNCT
fsr-4052	152	17	(	(	PUNCT
fsr-4052	152	18	0.115	0.115	NUM
fsr-4052	152	19	)	)	PUNCT
fsr-4052	152	20	(	(	PUNCT
fsr-4052	152	21	0.135	0.135	NUM
fsr-4052	152	22	)	)	PUNCT
fsr-4052	152	23	numberoflivingchildren1992	numberoflivingchildren1992	PROPN
fsr-4052	152	24	0.0898	0.0898	NUM
fsr-4052	152	25	*	*	PUNCT
fsr-4052	152	26	0.0879	0.0879	NUM
fsr-4052	152	27	(	(	PUNCT
fsr-4052	152	28	0.040	0.040	NUM
fsr-4052	152	29	)	)	PUNCT
fsr-4052	152	30	(	(	PUNCT
fsr-4052	152	31	0.048	0.048	NUM
fsr-4052	152	32	)	)	PUNCT
fsr-4052	152	33	yearstolive1992	yearstolive1992	PROPN
fsr-4052	152	34	0.00111	0.00111	PROPN
fsr-4052	152	35	0.0410	0.0410	PROPN
fsr-4052	152	36	*	*	PUNCT
fsr-4052	152	37	*	*	PUNCT
fsr-4052	152	38	*	*	PUNCT
fsr-4052	152	39	(	(	PUNCT
fsr-4052	152	40	0.008	0.008	NUM
fsr-4052	152	41	)	)	PUNCT
fsr-4052	152	42	(	(	PUNCT
fsr-4052	152	43	0.010	0.010	NUM
fsr-4052	152	44	)	)	PUNCT
fsr-4052	152	45	n	n	ADV
fsr-4052	152	46	4,310	4,310	NUM
fsr-4052	152	47	3,664	3,664	NUM
fsr-4052	152	48	next	next	ADV
fsr-4052	152	49	,	,	PUNCT
fsr-4052	152	50	we	we	PRON
fsr-4052	152	51	utilize	utilize	VERB
fsr-4052	152	52	the	the	DET
fsr-4052	152	53	longitudinal	longitudinal	ADJ
fsr-4052	152	54	data	datum	NOUN
fsr-4052	152	55	to	to	PART
fsr-4052	152	56	investigate	investigate	VERB
fsr-4052	152	57	how	how	SCONJ
fsr-4052	152	58	the	the	DET
fsr-4052	152	59	participants	participant	NOUN
fsr-4052	152	60	’	'	PUNCT
fsr-4052	152	61	actual	actual	ADJ
fsr-4052	152	62	and	and	CCONJ
fsr-4052	152	63	expected	expect	VERB
fsr-4052	152	64	retirement	retirement	NOUN
fsr-4052	152	65	ages	age	NOUN
fsr-4052	152	66	shift	shift	VERB
fsr-4052	152	67	when	when	SCONJ
fsr-4052	152	68	these	these	DET
fsr-4052	152	69	socioeconomic	socioeconomic	ADJ
fsr-4052	152	70	and	and	CCONJ
fsr-4052	152	71	demographic	demographic	ADJ
fsr-4052	152	72	factors	factor	NOUN
fsr-4052	152	73	change	change	VERB
fsr-4052	152	74	throughout	throughout	ADP
fsr-4052	152	75	the	the	DET
fsr-4052	152	76	years	year	NOUN
fsr-4052	152	77	(	(	PUNCT
fsr-4052	152	78	from	from	ADP
fsr-4052	152	79	1992	1992	NUM
fsr-4052	152	80	to	to	ADP
fsr-4052	152	81	2018	2018	NUM
fsr-4052	152	82	)	)	PUNCT
fsr-4052	152	83	.	.	PUNCT
fsr-4052	153	1	the	the	DET
fsr-4052	153	2	results	result	NOUN
fsr-4052	153	3	of	of	ADP
fsr-4052	153	4	the	the	DET
fsr-4052	153	5	longitudinal	longitudinal	ADJ
fsr-4052	153	6	(	(	PUNCT
fsr-4052	153	7	time	time	NOUN
fsr-4052	153	8	)	)	PUNCT
fsr-4052	153	9	fixed	fix	VERB
fsr-4052	153	10	effects	effect	NOUN
fsr-4052	153	11	ols	ol	NOUN
fsr-4052	153	12	regression	regression	NOUN
fsr-4052	153	13	in	in	ADP
fsr-4052	153	14	table	table	NOUN
fsr-4052	153	15	3	3	NUM
fsr-4052	153	16	tell	tell	VERB
fsr-4052	153	17	us	we	PRON
fsr-4052	153	18	that	that	SCONJ
fsr-4052	153	19	the	the	DET
fsr-4052	153	20	increase	increase	NOUN
fsr-4052	153	21	in	in	ADP
fsr-4052	153	22	wealth	wealth	NOUN
fsr-4052	153	23	,	,	PUNCT
fsr-4052	153	24	widowhood	widowhood	NOUN
fsr-4052	153	25	,	,	PUNCT
fsr-4052	153	26	and	and	CCONJ
fsr-4052	153	27	major	major	ADJ
fsr-4052	153	28	illness	illness	NOUN
fsr-4052	153	29	diagnosis	diagnosis	NOUN
fsr-4052	153	30	will	will	AUX
fsr-4052	153	31	positively	positively	ADV
fsr-4052	153	32	(	(	PUNCT
fsr-4052	153	33	retire	retire	VERB
fsr-4052	153	34	later	later	ADV
fsr-4052	153	35	)	)	PUNCT
fsr-4052	153	36	impact	impact	NOUN
fsr-4052	153	37	participants	participant	NOUN
fsr-4052	153	38	’	'	PUNCT
fsr-4052	153	39	expected	expect	VERB
fsr-4052	153	40	retirement	retirement	NOUN
fsr-4052	153	41	age	age	NOUN
fsr-4052	153	42	.	.	PUNCT
fsr-4052	154	1	these	these	DET
fsr-4052	154	2	life	life	NOUN
fsr-4052	154	3	changes	change	NOUN
fsr-4052	154	4	predict	predict	VERB
fsr-4052	154	5	an	an	DET
fsr-4052	154	6	individual	individual	NOUN
fsr-4052	154	7	will	will	AUX
fsr-4052	154	8	think	think	VERB
fsr-4052	154	9	they	they	PRON
fsr-4052	154	10	will	will	AUX
fsr-4052	154	11	retire	retire	VERB
fsr-4052	154	12	later	later	ADV
fsr-4052	154	13	.	.	PUNCT
fsr-4052	155	1	getting	getting	AUX
fsr-4052	155	2	married	marry	VERB
fsr-4052	155	3	,	,	PUNCT
fsr-4052	155	4	improvement	improvement	NOUN
fsr-4052	155	5	in	in	ADP
fsr-4052	155	6	selfreported	selfreporte	VERB
fsr-4052	155	7	health	health	NOUN
fsr-4052	155	8	,	,	PUNCT
fsr-4052	155	9	and	and	CCONJ
fsr-4052	155	10	self	self	NOUN
fsr-4052	155	11	-	-	PUNCT
fsr-4052	155	12	perceived	perceive	VERB
fsr-4052	155	13	life	life	NOUN
fsr-4052	155	14	expectancy	expectancy	NOUN
fsr-4052	155	15	increase	increase	NOUN
fsr-4052	155	16	will	will	AUX
fsr-4052	155	17	cause	cause	VERB
fsr-4052	155	18	participants	participant	NOUN
fsr-4052	155	19	to	to	PART
fsr-4052	155	20	expect	expect	VERB
fsr-4052	155	21	earlier	early	ADJ
fsr-4052	155	22	retirement	retirement	NOUN
fsr-4052	155	23	ages	age	NOUN
fsr-4052	155	24	.	.	PUNCT
fsr-4052	156	1	these	these	DET
fsr-4052	156	2	life	life	NOUN
fsr-4052	156	3	changes	change	NOUN
fsr-4052	156	4	predict	predict	VERB
fsr-4052	156	5	an	an	DET
fsr-4052	156	6	individual	individual	NOUN
fsr-4052	156	7	will	will	AUX
fsr-4052	156	8	think	think	VERB
fsr-4052	156	9	they	they	PRON
fsr-4052	156	10	will	will	AUX
fsr-4052	156	11	retire	retire	VERB
fsr-4052	156	12	earlier	early	ADV
fsr-4052	156	13	.	.	PUNCT
fsr-4052	157	1	financial	financial	ADJ
fsr-4052	157	2	services	service	NOUN
fsr-4052	157	3	review	review	PROPN
fsr-4052	157	4	,	,	PUNCT
fsr-4052	157	5	33(1	33(1	NUM
fsr-4052	157	6	)	)	PUNCT
fsr-4052	157	7	41	41	NUM
fsr-4052	157	8	table	table	NOUN
fsr-4052	157	9	3	3	NUM
fsr-4052	157	10	.	.	PUNCT
fsr-4052	157	11	longitudinal	longitudinal	ADJ
fsr-4052	157	12	fixed	fix	VERB
fsr-4052	157	13	effects	effect	NOUN
fsr-4052	157	14	ols	ol	NOUN
fsr-4052	157	15	regression	regression	NOUN
fsr-4052	157	16	on	on	ADP
fsr-4052	157	17	retirement	retirement	NOUN
fsr-4052	157	18	expectations	expectation	NOUN
fsr-4052	157	19	independent	independent	ADJ
fsr-4052	157	20	variables	variable	NOUN
fsr-4052	157	21	dependent	dependent	ADJ
fsr-4052	157	22	variable	variable	NOUN
fsr-4052	157	23	:	:	PUNCT
fsr-4052	157	24	expected	expect	VERB
fsr-4052	157	25	retirement	retirement	NOUN
fsr-4052	157	26	age	age	NOUN
fsr-4052	157	27	(	(	PUNCT
fsr-4052	157	28	1992	1992	NUM
fsr-4052	157	29	-	-	SYM
fsr-4052	157	30	2018	2018	NUM
fsr-4052	157	31	)	)	PUNCT
fsr-4052	157	32	health	health	NOUN
fsr-4052	157	33	-0.555	-0.555	PROPN
fsr-4052	157	34	*	*	PUNCT
fsr-4052	157	35	*	*	PUNCT
fsr-4052	157	36	(	(	PUNCT
fsr-4052	157	37	0.170	0.170	NUM
fsr-4052	157	38	)	)	PUNCT
fsr-4052	157	39	ln(wealth	ln(wealth	NOUN
fsr-4052	157	40	)	)	PUNCT
fsr-4052	157	41	1.037	1.037	NUM
fsr-4052	157	42	*	*	PUNCT
fsr-4052	157	43	*	*	PUNCT
fsr-4052	157	44	*	*	PUNCT
fsr-4052	157	45	(	(	PUNCT
fsr-4052	157	46	0.140	0.140	NUM
fsr-4052	157	47	)	)	PUNCT
fsr-4052	157	48	yearstolive	yearstolive	ADJ
fsr-4052	157	49	-0.216	-0.216	NOUN
fsr-4052	157	50	*	*	PUNCT
fsr-4052	157	51	*	*	PUNCT
fsr-4052	157	52	*	*	PUNCT
fsr-4052	157	53	(	(	PUNCT
fsr-4052	157	54	0.019	0.019	NUM
fsr-4052	157	55	)	)	PUNCT
fsr-4052	157	56	married	married	ADJ
fsr-4052	157	57	-2.051	-2.051	NOUN
fsr-4052	157	58	*	*	PUNCT
fsr-4052	157	59	*	*	PUNCT
fsr-4052	157	60	(	(	PUNCT
fsr-4052	157	61	0.671	0.671	NUM
fsr-4052	157	62	)	)	PUNCT
fsr-4052	157	63	widowed	widow	VERB
fsr-4052	157	64	3.467	3.467	NUM
fsr-4052	157	65	*	*	PUNCT
fsr-4052	157	66	*	*	PUNCT
fsr-4052	157	67	*	*	PUNCT
fsr-4052	157	68	(	(	PUNCT
fsr-4052	157	69	0.750	0.750	NUM
fsr-4052	157	70	)	)	PUNCT
fsr-4052	157	71	numberoflivingchildren	numberoflivingchildren	NOUN
fsr-4052	157	72	0.203	0.203	NUM
fsr-4052	157	73	(	(	PUNCT
fsr-4052	157	74	0.181	0.181	NUM
fsr-4052	157	75	)	)	PUNCT
fsr-4052	157	76	finplanhorizon	finplanhorizon	NOUN
fsr-4052	157	77	0.0602	0.0602	NUM
fsr-4052	157	78	(	(	PUNCT
fsr-4052	157	79	0.106	0.106	NUM
fsr-4052	157	80	)	)	PUNCT
fsr-4052	157	81	everhadcancerorheartprob	everhadcancerorheartprob	VERB
fsr-4052	157	82	5.244	5.244	NUM
fsr-4052	157	83	*	*	PUNCT
fsr-4052	157	84	*	*	PUNCT
fsr-4052	157	85	*	*	PUNCT
fsr-4052	157	86	(	(	PUNCT
fsr-4052	157	87	0.422	0.422	NUM
fsr-4052	157	88	)	)	PUNCT
fsr-4052	157	89	n	n	PRON
fsr-4052	157	90	5,726	5,726	NUM
fsr-4052	157	91	when	when	SCONJ
fsr-4052	157	92	it	it	PRON
fsr-4052	157	93	comes	come	VERB
fsr-4052	157	94	to	to	ADP
fsr-4052	157	95	the	the	DET
fsr-4052	157	96	difference	difference	NOUN
fsr-4052	157	97	(	(	PUNCT
fsr-4052	157	98	gaps	gap	NOUN
fsr-4052	157	99	)	)	PUNCT
fsr-4052	157	100	between	between	ADP
fsr-4052	157	101	the	the	DET
fsr-4052	157	102	participant	participant	NOUN
fsr-4052	157	103	’s	’s	PART
fsr-4052	157	104	actual	actual	ADJ
fsr-4052	157	105	retirement	retirement	NOUN
fsr-4052	157	106	age	age	NOUN
fsr-4052	157	107	and	and	CCONJ
fsr-4052	157	108	their	their	PRON
fsr-4052	157	109	expected	expect	VERB
fsr-4052	157	110	retirement	retirement	NOUN
fsr-4052	157	111	age	age	NOUN
fsr-4052	157	112	,	,	PUNCT
fsr-4052	157	113	the	the	DET
fsr-4052	157	114	longitudinal	longitudinal	ADJ
fsr-4052	157	115	(	(	PUNCT
fsr-4052	157	116	time	time	NOUN
fsr-4052	157	117	)	)	PUNCT
fsr-4052	157	118	fixed	fix	VERB
fsr-4052	157	119	effect	effect	NOUN
fsr-4052	157	120	ols	ol	NOUN
fsr-4052	157	121	regression	regression	NOUN
fsr-4052	157	122	in	in	ADP
fsr-4052	157	123	table	table	NOUN
fsr-4052	157	124	4	4	NUM
fsr-4052	157	125	indicated	indicate	VERB
fsr-4052	157	126	the	the	DET
fsr-4052	157	127	following	follow	VERB
fsr-4052	157	128	conclusion	conclusion	NOUN
fsr-4052	157	129	:	:	PUNCT
fsr-4052	157	130	increases	increase	NOUN
fsr-4052	157	131	in	in	ADP
fsr-4052	157	132	participants	participant	NOUN
fsr-4052	157	133	’	'	PUNCT
fsr-4052	157	134	health	health	NOUN
fsr-4052	157	135	,	,	PUNCT
fsr-4052	157	136	self	self	NOUN
fsr-4052	157	137	-	-	PUNCT
fsr-4052	157	138	perceived	perceive	VERB
fsr-4052	157	139	life	life	NOUN
fsr-4052	157	140	expectancy	expectancy	NOUN
fsr-4052	157	141	,	,	PUNCT
fsr-4052	157	142	and	and	CCONJ
fsr-4052	157	143	being	be	AUX
fsr-4052	157	144	married	married	ADJ
fsr-4052	157	145	will	will	AUX
fsr-4052	157	146	increase	increase	VERB
fsr-4052	157	147	the	the	DET
fsr-4052	157	148	gaps	gap	NOUN
fsr-4052	157	149	between	between	ADP
fsr-4052	157	150	participants	participant	NOUN
fsr-4052	157	151	’	'	PUNCT
fsr-4052	157	152	first	first	ADV
fsr-4052	157	153	recorded	record	VERB
fsr-4052	157	154	retirement	retirement	NOUN
fsr-4052	157	155	age	age	NOUN
fsr-4052	157	156	and	and	CCONJ
fsr-4052	157	157	their	their	PRON
fsr-4052	157	158	expected	expect	VERB
fsr-4052	157	159	retirement	retirement	NOUN
fsr-4052	157	160	age	age	NOUN
fsr-4052	157	161	.	.	PUNCT
fsr-4052	158	1	so	so	ADV
fsr-4052	158	2	these	these	DET
fsr-4052	158	3	types	type	NOUN
fsr-4052	158	4	of	of	ADP
fsr-4052	158	5	life	life	NOUN
fsr-4052	158	6	changes	change	NOUN
fsr-4052	158	7	predict	predict	VERB
fsr-4052	158	8	that	that	SCONJ
fsr-4052	158	9	an	an	DET
fsr-4052	158	10	individual	individual	NOUN
fsr-4052	158	11	will	will	AUX
fsr-4052	158	12	be	be	AUX
fsr-4052	158	13	less	less	ADV
fsr-4052	158	14	accurate	accurate	ADJ
fsr-4052	158	15	in	in	ADP
fsr-4052	158	16	retirement	retirement	NOUN
fsr-4052	158	17	age	age	NOUN
fsr-4052	158	18	forecasts	forecast	NOUN
fsr-4052	158	19	.	.	PUNCT
fsr-4052	159	1	meanwhile	meanwhile	ADV
fsr-4052	159	2	,	,	PUNCT
fsr-4052	159	3	the	the	DET
fsr-4052	159	4	increase	increase	NOUN
fsr-4052	159	5	in	in	ADP
fsr-4052	159	6	wealth	wealth	NOUN
fsr-4052	159	7	,	,	PUNCT
fsr-4052	159	8	being	be	AUX
fsr-4052	159	9	widowed	widow	VERB
fsr-4052	159	10	,	,	PUNCT
fsr-4052	159	11	and	and	CCONJ
fsr-4052	159	12	major	major	ADJ
fsr-4052	159	13	illness	illness	NOUN
fsr-4052	159	14	diagnoses	diagnosis	NOUN
fsr-4052	159	15	will	will	AUX
fsr-4052	159	16	decrease	decrease	VERB
fsr-4052	159	17	the	the	DET
fsr-4052	159	18	gaps	gap	NOUN
fsr-4052	159	19	between	between	ADP
fsr-4052	159	20	participants	participant	NOUN
fsr-4052	159	21	’	'	PUNCT
fsr-4052	159	22	actual	actual	ADJ
fsr-4052	159	23	vs.	vs.	ADP
fsr-4052	159	24	expected	expect	VERB
fsr-4052	159	25	retirement	retirement	NOUN
fsr-4052	159	26	ages	age	NOUN
fsr-4052	159	27	.	.	PUNCT
fsr-4052	160	1	after	after	ADP
fsr-4052	160	2	investigating	investigate	VERB
fsr-4052	160	3	the	the	DET
fsr-4052	160	4	wealth	wealth	NOUN
fsr-4052	160	5	factor	factor	NOUN
fsr-4052	160	6	,	,	PUNCT
fsr-4052	160	7	we	we	PRON
fsr-4052	160	8	find	find	VERB
fsr-4052	160	9	out	out	ADP
fsr-4052	160	10	an	an	DET
fsr-4052	160	11	interesting	interesting	ADJ
fsr-4052	160	12	phenomenon	phenomenon	NOUN
fsr-4052	160	13	:	:	PUNCT
fsr-4052	160	14	although	although	SCONJ
fsr-4052	160	15	older	old	ADJ
fsr-4052	160	16	americans	american	NOUN
fsr-4052	160	17	expect	expect	VERB
fsr-4052	160	18	to	to	PART
fsr-4052	160	19	retire	retire	VERB
fsr-4052	160	20	later	later	ADV
fsr-4052	160	21	when	when	SCONJ
fsr-4052	160	22	they	they	PRON
fsr-4052	160	23	experience	experience	VERB
fsr-4052	160	24	a	a	DET
fsr-4052	160	25	wealth	wealth	NOUN
fsr-4052	160	26	increase	increase	NOUN
fsr-4052	160	27	prior	prior	ADV
fsr-4052	160	28	to	to	ADP
fsr-4052	160	29	their	their	PRON
fsr-4052	160	30	retirement	retirement	NOUN
fsr-4052	160	31	,	,	PUNCT
fsr-4052	160	32	their	their	PRON
fsr-4052	160	33	actual	actual	ADJ
fsr-4052	160	34	retirement	retirement	NOUN
fsr-4052	160	35	age	age	NOUN
fsr-4052	160	36	is	be	AUX
fsr-4052	160	37	actually	actually	ADV
fsr-4052	160	38	getting	get	VERB
fsr-4052	160	39	younger	young	ADJ
fsr-4052	160	40	and	and	CCONJ
fsr-4052	160	41	closer	close	ADV
fsr-4052	160	42	to	to	ADP
fsr-4052	160	43	their	their	PRON
fsr-4052	160	44	original	original	ADJ
fsr-4052	160	45	expected	expect	VERB
fsr-4052	160	46	retirement	retirement	NOUN
fsr-4052	160	47	age	age	NOUN
fsr-4052	160	48	(	(	PUNCT
fsr-4052	160	49	gaps	gap	NOUN
fsr-4052	160	50	are	be	AUX
fsr-4052	160	51	smaller	small	ADJ
fsr-4052	160	52	)	)	PUNCT
fsr-4052	160	53	.	.	PUNCT
fsr-4052	161	1	on	on	ADP
fsr-4052	161	2	the	the	DET
fsr-4052	161	3	other	other	ADJ
fsr-4052	161	4	hand	hand	NOUN
fsr-4052	161	5	,	,	PUNCT
fsr-4052	161	6	an	an	DET
fsr-4052	161	7	increased	increase	VERB
fsr-4052	161	8	life	life	NOUN
fsr-4052	161	9	expectancy	expectancy	NOUN
fsr-4052	161	10	pushed	push	VERB
fsr-4052	161	11	back	back	ADV
fsr-4052	161	12	the	the	DET
fsr-4052	161	13	actual	actual	ADJ
fsr-4052	161	14	retirement	retirement	NOUN
fsr-4052	161	15	age	age	NOUN
fsr-4052	161	16	and	and	CCONJ
fsr-4052	161	17	led	lead	VERB
fsr-4052	161	18	to	to	ADP
fsr-4052	161	19	a	a	DET
fsr-4052	161	20	growing	grow	VERB
fsr-4052	161	21	retirement	retirement	NOUN
fsr-4052	161	22	age	age	NOUN
fsr-4052	161	23	gap	gap	NOUN
fsr-4052	161	24	.	.	PUNCT
fsr-4052	162	1	for	for	ADP
fsr-4052	162	2	example	example	NOUN
fsr-4052	162	3	,	,	PUNCT
fsr-4052	162	4	keeping	keep	VERB
fsr-4052	162	5	everything	everything	PRON
fsr-4052	162	6	else	else	ADV
fsr-4052	162	7	equal	equal	ADJ
fsr-4052	162	8	,	,	PUNCT
fsr-4052	162	9	a	a	DET
fsr-4052	162	10	one	one	NUM
fsr-4052	162	11	-	-	PUNCT
fsr-4052	162	12	year	year	NOUN
fsr-4052	162	13	increase	increase	NOUN
fsr-4052	162	14	in	in	ADP
fsr-4052	162	15	life	life	NOUN
fsr-4052	162	16	expectancy	expectancy	NOUN
fsr-4052	162	17	is	be	AUX
fsr-4052	162	18	on	on	ADP
fsr-4052	162	19	average	average	ADJ
fsr-4052	162	20	associated	associate	VERB
fsr-4052	162	21	with	with	ADP
fsr-4052	162	22	0.22	0.22	NUM
fsr-4052	162	23	years	year	NOUN
fsr-4052	162	24	increase	increase	NOUN
fsr-4052	162	25	in	in	ADP
fsr-4052	162	26	the	the	DET
fsr-4052	162	27	gap	gap	NOUN
fsr-4052	162	28	between	between	ADP
fsr-4052	162	29	actual	actual	ADJ
fsr-4052	162	30	and	and	CCONJ
fsr-4052	162	31	expected	expect	VERB
fsr-4052	162	32	retirement	retirement	NOUN
fsr-4052	162	33	.	.	PUNCT
fsr-4052	163	1	liu	liu	PROPN
fsr-4052	163	2	et	et	PROPN
fsr-4052	163	3	al	al	PROPN
fsr-4052	163	4	.	.	PROPN
fsr-4052	164	1	42	42	NUM
fsr-4052	164	2	table	table	NOUN
fsr-4052	164	3	4	4	NUM
fsr-4052	164	4	.	.	PUNCT
fsr-4052	164	5	longitudinal	longitudinal	ADJ
fsr-4052	164	6	fixed	fix	VERB
fsr-4052	164	7	effects	effect	NOUN
fsr-4052	164	8	ols	ol	NOUN
fsr-4052	164	9	regression	regression	NOUN
fsr-4052	164	10	on	on	ADP
fsr-4052	164	11	actual	actual	ADJ
fsr-4052	164	12	minus	minus	CCONJ
fsr-4052	164	13	expectations	expectation	NOUN
fsr-4052	164	14	independent	independent	ADJ
fsr-4052	164	15	variables	variable	NOUN
fsr-4052	164	16	dependent	dependent	ADJ
fsr-4052	164	17	variable	variable	NOUN
fsr-4052	164	18	:	:	PUNCT
fsr-4052	164	19	gaps	gap	NOUN
fsr-4052	164	20	between	between	ADP
fsr-4052	164	21	actual	actual	ADJ
fsr-4052	164	22	and	and	CCONJ
fsr-4052	164	23	expected	expect	VERB
fsr-4052	164	24	retirement	retirement	NOUN
fsr-4052	164	25	ages	age	NOUN
fsr-4052	164	26	(	(	PUNCT
fsr-4052	164	27	1992	1992	NUM
fsr-4052	164	28	-	-	SYM
fsr-4052	164	29	2018	2018	NUM
fsr-4052	164	30	)	)	PUNCT
fsr-4052	164	31	health	health	NOUN
fsr-4052	164	32	0.563	0.563	NUM
fsr-4052	164	33	*	*	SYM
fsr-4052	164	34	*	*	PUNCT
fsr-4052	164	35	(	(	PUNCT
fsr-4052	164	36	0.171	0.171	NUM
fsr-4052	164	37	)	)	PUNCT
fsr-4052	164	38	ln(wealth	ln(wealth	NOUN
fsr-4052	164	39	)	)	PUNCT
fsr-4052	164	40	-1.069	-1.069	PROPN
fsr-4052	164	41	*	*	PUNCT
fsr-4052	164	42	*	*	PUNCT
fsr-4052	164	43	*	*	PUNCT
fsr-4052	164	44	(	(	PUNCT
fsr-4052	164	45	0.142	0.142	NUM
fsr-4052	164	46	)	)	PUNCT
fsr-4052	164	47	yearstolive	yearstolive	ADJ
fsr-4052	164	48	0.218	0.218	NUM
fsr-4052	164	49	*	*	PUNCT
fsr-4052	164	50	*	*	PUNCT
fsr-4052	164	51	*	*	PUNCT
fsr-4052	164	52	(	(	PUNCT
fsr-4052	164	53	0.019	0.019	NUM
fsr-4052	164	54	)	)	PUNCT
fsr-4052	164	55	married	marry	VERB
fsr-4052	164	56	1.933	1.933	NUM
fsr-4052	164	57	*	*	PUNCT
fsr-4052	164	58	*	*	PUNCT
fsr-4052	164	59	(	(	PUNCT
fsr-4052	164	60	0.686	0.686	NUM
fsr-4052	164	61	)	)	PUNCT
fsr-4052	164	62	widowed	widow	VERB
fsr-4052	164	63	-3.580	-3.580	NOUN
fsr-4052	164	64	*	*	PUNCT
fsr-4052	164	65	*	*	PUNCT
fsr-4052	164	66	*	*	PUNCT
fsr-4052	164	67	(	(	PUNCT
fsr-4052	164	68	0.759	0.759	NUM
fsr-4052	164	69	)	)	PUNCT
fsr-4052	164	70	numberoflivingchildren	numberoflivingchildren	NOUN
fsr-4052	164	71	-0.149	-0.149	NUM
fsr-4052	164	72	(	(	PUNCT
fsr-4052	164	73	0.182	0.182	NUM
fsr-4052	164	74	)	)	PUNCT
fsr-4052	164	75	finplanhorizon	finplanhorizon	NOUN
fsr-4052	164	76	-0.0461	-0.0461	PROPN
fsr-4052	164	77	(	(	PUNCT
fsr-4052	164	78	0.107	0.107	NUM
fsr-4052	164	79	)	)	PUNCT
fsr-4052	164	80	everhadcancerorheartprob	everhadcancerorheartprob	ADJ
fsr-4052	164	81	-5.240	-5.240	PROPN
fsr-4052	164	82	*	*	PUNCT
fsr-4052	164	83	*	*	PUNCT
fsr-4052	164	84	*	*	PUNCT
fsr-4052	164	85	(	(	PUNCT
fsr-4052	164	86	0.426	0.426	NUM
fsr-4052	164	87	)	)	PUNCT
fsr-4052	164	88	n	n	NOUN
fsr-4052	164	89	5,668	5,668	NUM
fsr-4052	164	90	last	last	ADJ
fsr-4052	164	91	but	but	CCONJ
fsr-4052	164	92	not	not	PART
fsr-4052	164	93	least	least	ADJ
fsr-4052	164	94	,	,	PUNCT
fsr-4052	164	95	we	we	PRON
fsr-4052	164	96	want	want	VERB
fsr-4052	164	97	to	to	PART
fsr-4052	164	98	know	know	VERB
fsr-4052	164	99	the	the	DET
fsr-4052	164	100	magnitude	magnitude	NOUN
fsr-4052	164	101	of	of	ADP
fsr-4052	164	102	the	the	DET
fsr-4052	164	103	likelihood	likelihood	NOUN
fsr-4052	164	104	for	for	SCONJ
fsr-4052	164	105	participants	participant	NOUN
fsr-4052	164	106	to	to	PART
fsr-4052	164	107	retire	retire	VERB
fsr-4052	164	108	earlier	early	ADV
fsr-4052	164	109	or	or	CCONJ
fsr-4052	164	110	later	later	ADV
fsr-4052	164	111	(	(	PUNCT
fsr-4052	164	112	timing	time	VERB
fsr-4052	164	113	flags	flag	NOUN
fsr-4052	164	114	)	)	PUNCT
fsr-4052	164	115	caused	cause	VERB
fsr-4052	164	116	by	by	ADP
fsr-4052	164	117	each	each	PRON
fsr-4052	164	118	of	of	ADP
fsr-4052	164	119	these	these	DET
fsr-4052	164	120	factors	factor	NOUN
fsr-4052	164	121	.	.	PUNCT
fsr-4052	165	1	table	table	NOUN
fsr-4052	165	2	5	5	NUM
fsr-4052	165	3	shows	show	VERB
fsr-4052	165	4	the	the	DET
fsr-4052	165	5	results	result	NOUN
fsr-4052	165	6	of	of	ADP
fsr-4052	165	7	the	the	DET
fsr-4052	165	8	average	average	ADJ
fsr-4052	165	9	marginal	marginal	ADJ
fsr-4052	165	10	effects	effect	NOUN
fsr-4052	165	11	of	of	ADP
fsr-4052	165	12	the	the	DET
fsr-4052	165	13	longitudinal	longitudinal	ADJ
fsr-4052	165	14	ordered	order	VERB
fsr-4052	165	15	probit	probit	NOUN
fsr-4052	165	16	regression	regression	NOUN
fsr-4052	165	17	on	on	ADP
fsr-4052	165	18	the	the	DET
fsr-4052	165	19	timing	timing	NOUN
fsr-4052	165	20	flags	flag	NOUN
fsr-4052	165	21	regarding	regard	VERB
fsr-4052	165	22	participants	participant	NOUN
fsr-4052	165	23	’	'	PUNCT
fsr-4052	165	24	actual	actual	ADJ
fsr-4052	165	25	retirement	retirement	NOUN
fsr-4052	165	26	age	age	NOUN
fsr-4052	165	27	minus	minus	CCONJ
fsr-4052	165	28	their	their	PRON
fsr-4052	165	29	expected	expect	VERB
fsr-4052	165	30	retirement	retirement	NOUN
fsr-4052	165	31	age	age	NOUN
fsr-4052	165	32	(	(	PUNCT
fsr-4052	165	33	the	the	DET
fsr-4052	165	34	gaps	gap	NOUN
fsr-4052	165	35	)	)	PUNCT
fsr-4052	165	36	.	.	PUNCT
fsr-4052	166	1	the	the	DET
fsr-4052	166	2	regression	regression	NOUN
fsr-4052	166	3	results	result	NOUN
fsr-4052	166	4	imply	imply	VERB
fsr-4052	166	5	that	that	SCONJ
fsr-4052	166	6	the	the	DET
fsr-4052	166	7	positive	positive	ADJ
fsr-4052	166	8	improvements	improvement	NOUN
fsr-4052	166	9	in	in	ADP
fsr-4052	166	10	participants	participant	NOUN
fsr-4052	166	11	’	'	PUNCT
fsr-4052	166	12	selfreported	selfreporte	VERB
fsr-4052	166	13	health	health	NOUN
fsr-4052	166	14	,	,	PUNCT
fsr-4052	166	15	self	self	NOUN
fsr-4052	166	16	-	-	PUNCT
fsr-4052	166	17	perceived	perceive	VERB
fsr-4052	166	18	life	life	NOUN
fsr-4052	166	19	expectancy	expectancy	NOUN
fsr-4052	166	20	,	,	PUNCT
fsr-4052	166	21	income	income	NOUN
fsr-4052	166	22	level	level	NOUN
fsr-4052	166	23	,	,	PUNCT
fsr-4052	166	24	and	and	CCONJ
fsr-4052	166	25	getting	get	VERB
fsr-4052	166	26	married	married	ADJ
fsr-4052	166	27	will	will	AUX
fsr-4052	166	28	likely	likely	ADV
fsr-4052	166	29	cause	cause	VERB
fsr-4052	166	30	participants	participant	NOUN
fsr-4052	166	31	to	to	PART
fsr-4052	166	32	retire	retire	VERB
fsr-4052	166	33	later	later	ADV
fsr-4052	166	34	than	than	SCONJ
fsr-4052	166	35	expected	expect	VERB
fsr-4052	166	36	.	.	PUNCT
fsr-4052	167	1	positive	positive	ADJ
fsr-4052	167	2	changes	change	NOUN
fsr-4052	167	3	in	in	ADP
fsr-4052	167	4	participants	participant	NOUN
fsr-4052	167	5	’	'	PUNCT
fsr-4052	167	6	wealth	wealth	NOUN
fsr-4052	167	7	levels	level	NOUN
fsr-4052	167	8	,	,	PUNCT
fsr-4052	167	9	financial	financial	ADJ
fsr-4052	167	10	planning	planning	NOUN
fsr-4052	167	11	horizon	horizon	NOUN
fsr-4052	167	12	increases	increase	NOUN
fsr-4052	167	13	,	,	PUNCT
fsr-4052	167	14	major	major	ADJ
fsr-4052	167	15	illness	illness	NOUN
fsr-4052	167	16	diagnoses	diagnosis	NOUN
fsr-4052	167	17	,	,	PUNCT
fsr-4052	167	18	as	as	ADV
fsr-4052	167	19	well	well	ADV
fsr-4052	167	20	as	as	ADP
fsr-4052	167	21	widowhood	widowhood	NOUN
fsr-4052	167	22	are	be	AUX
fsr-4052	167	23	likely	likely	ADJ
fsr-4052	167	24	to	to	PART
fsr-4052	167	25	cause	cause	VERB
fsr-4052	167	26	participants	participant	NOUN
fsr-4052	167	27	to	to	PART
fsr-4052	167	28	retire	retire	VERB
fsr-4052	167	29	earlier	early	ADV
fsr-4052	167	30	than	than	SCONJ
fsr-4052	167	31	expected	expect	VERB
fsr-4052	167	32	,	,	PUNCT
fsr-4052	167	33	keeping	keep	VERB
fsr-4052	167	34	everything	everything	PRON
fsr-4052	167	35	else	else	ADV
fsr-4052	167	36	equal	equal	ADJ
fsr-4052	167	37	.	.	PUNCT
fsr-4052	168	1	conclusion	conclusion	NOUN
fsr-4052	168	2	and	and	CCONJ
fsr-4052	168	3	implications	implication	NOUN
fsr-4052	168	4	understanding	understand	VERB
fsr-4052	168	5	retirement	retirement	NOUN
fsr-4052	168	6	age	age	NOUN
fsr-4052	168	7	expectations	expectation	NOUN
fsr-4052	168	8	compared	compare	VERB
fsr-4052	168	9	to	to	ADP
fsr-4052	168	10	actual	actual	ADJ
fsr-4052	168	11	retirement	retirement	NOUN
fsr-4052	168	12	ages	age	NOUN
fsr-4052	168	13	can	can	AUX
fsr-4052	168	14	help	help	VERB
fsr-4052	168	15	policymakers	policymaker	NOUN
fsr-4052	168	16	,	,	PUNCT
fsr-4052	168	17	employers	employer	NOUN
fsr-4052	168	18	,	,	PUNCT
fsr-4052	168	19	and	and	CCONJ
fsr-4052	168	20	industry	industry	NOUN
fsr-4052	168	21	providers	provider	NOUN
fsr-4052	168	22	improve	improve	VERB
fsr-4052	168	23	retirement	retirement	NOUN
fsr-4052	168	24	benefit	benefit	NOUN
fsr-4052	168	25	design	design	NOUN
fsr-4052	168	26	across	across	ADP
fsr-4052	168	27	a	a	DET
fsr-4052	168	28	range	range	NOUN
fsr-4052	168	29	of	of	ADP
fsr-4052	168	30	structures	structure	NOUN
fsr-4052	168	31	,	,	PUNCT
fsr-4052	168	32	products	product	NOUN
fsr-4052	168	33	,	,	PUNCT
fsr-4052	168	34	and	and	CCONJ
fsr-4052	168	35	services	service	NOUN
fsr-4052	168	36	,	,	PUNCT
fsr-4052	168	37	such	such	ADJ
fsr-4052	168	38	as	as	ADP
fsr-4052	168	39	defaults	default	NOUN
fsr-4052	168	40	and	and	CCONJ
fsr-4052	168	41	catch	catch	NOUN
fsr-4052	168	42	-	-	PUNCT
fsr-4052	168	43	up	up	ADP
fsr-4052	168	44	provisions	provision	NOUN
fsr-4052	168	45	,	,	PUNCT
fsr-4052	168	46	investment	investment	NOUN
fsr-4052	168	47	modeling	modeling	NOUN
fsr-4052	168	48	,	,	PUNCT
fsr-4052	168	49	and	and	CCONJ
fsr-4052	168	50	participant	participant	ADJ
fsr-4052	168	51	advice	advice	NOUN
fsr-4052	168	52	and	and	CCONJ
fsr-4052	168	53	education	education	NOUN
fsr-4052	168	54	.	.	PUNCT
fsr-4052	169	1	using	use	VERB
fsr-4052	169	2	the	the	DET
fsr-4052	169	3	prudential	prudential	ADJ
fsr-4052	169	4	financial	financial	PROPN
fsr-4052	169	5	survey	survey	PROPN
fsr-4052	169	6	data	datum	NOUN
fsr-4052	169	7	and	and	CCONJ
fsr-4052	169	8	the	the	DET
fsr-4052	169	9	longitudinal	longitudinal	ADJ
fsr-4052	169	10	health	health	NOUN
fsr-4052	169	11	and	and	CCONJ
fsr-4052	169	12	retirement	retirement	NOUN
fsr-4052	169	13	study	study	NOUN
fsr-4052	169	14	(	(	PUNCT
fsr-4052	169	15	hrs	hrs	NOUN
fsr-4052	169	16	)	)	PUNCT
fsr-4052	169	17	data	datum	NOUN
fsr-4052	169	18	,	,	PUNCT
fsr-4052	169	19	this	this	DET
fsr-4052	169	20	study	study	NOUN
fsr-4052	169	21	finds	find	VERB
fsr-4052	169	22	that	that	SCONJ
fsr-4052	169	23	although	although	SCONJ
fsr-4052	169	24	there	there	PRON
fsr-4052	169	25	is	be	VERB
fsr-4052	169	26	generally	generally	ADV
fsr-4052	169	27	a	a	DET
fsr-4052	169	28	natural	natural	ADJ
fsr-4052	169	29	upward	upward	ADJ
fsr-4052	169	30	trend	trend	NOUN
fsr-4052	169	31	for	for	ADP
fsr-4052	169	32	older	old	ADJ
fsr-4052	169	33	american	american	ADJ
fsr-4052	169	34	adults	adult	NOUN
fsr-4052	169	35	to	to	PART
fsr-4052	169	36	progressively	progressively	ADV
fsr-4052	169	37	delay	delay	VERB
fsr-4052	169	38	their	their	PRON
fsr-4052	169	39	expected	expect	VERB
fsr-4052	169	40	retirement	retirement	NOUN
fsr-4052	169	41	,	,	PUNCT
fsr-4052	169	42	this	this	DET
fsr-4052	169	43	trend	trend	NOUN
fsr-4052	169	44	has	have	VERB
fsr-4052	169	45	no	no	DET
fsr-4052	169	46	statistically	statistically	ADV
fsr-4052	169	47	significant	significant	ADJ
fsr-4052	169	48	relationship	relationship	NOUN
fsr-4052	169	49	with	with	ADP
fsr-4052	169	50	the	the	DET
fsr-4052	169	51	covid-19	covid-19	PROPN
fsr-4052	169	52	pandemic	pandemic	NOUN
fsr-4052	169	53	.	.	PUNCT
fsr-4052	170	1	the	the	DET
fsr-4052	170	2	study	study	NOUN
fsr-4052	170	3	then	then	ADV
fsr-4052	170	4	examines	examine	VERB
fsr-4052	170	5	socioeconomic	socioeconomic	ADJ
fsr-4052	170	6	and	and	CCONJ
fsr-4052	170	7	demographic	demographic	ADJ
fsr-4052	170	8	factors	factor	NOUN
fsr-4052	170	9	that	that	PRON
fsr-4052	170	10	are	be	AUX
fsr-4052	170	11	thought	think	VERB
fsr-4052	170	12	to	to	PART
fsr-4052	170	13	impact	impact	VERB
fsr-4052	170	14	older	old	ADJ
fsr-4052	170	15	american	american	ADJ
fsr-4052	170	16	adults	adult	NOUN
fsr-4052	170	17	’	'	PUNCT
fsr-4052	170	18	expected	expect	VERB
fsr-4052	170	19	and	and	CCONJ
fsr-4052	170	20	actual	actual	ADJ
fsr-4052	170	21	retirement	retirement	NOUN
fsr-4052	170	22	ages	age	NOUN
fsr-4052	170	23	.	.	PUNCT
fsr-4052	171	1	in	in	ADP
fsr-4052	171	2	addition	addition	NOUN
fsr-4052	171	3	,	,	PUNCT
fsr-4052	171	4	this	this	DET
fsr-4052	171	5	study	study	NOUN
fsr-4052	171	6	also	also	ADV
fsr-4052	171	7	investigated	investigate	VERB
fsr-4052	171	8	how	how	SCONJ
fsr-4052	171	9	the	the	DET
fsr-4052	171	10	changes	change	NOUN
fsr-4052	171	11	in	in	ADP
fsr-4052	171	12	these	these	DET
fsr-4052	171	13	factors	factor	NOUN
fsr-4052	171	14	shift	shift	VERB
fsr-4052	171	15	the	the	DET
fsr-4052	171	16	gaps	gap	NOUN
fsr-4052	171	17	between	between	ADP
fsr-4052	171	18	participants	participant	NOUN
fsr-4052	171	19	’	'	PUNCT
fsr-4052	171	20	expected	expect	VERB
fsr-4052	171	21	and	and	CCONJ
fsr-4052	171	22	actual	actual	ADJ
fsr-4052	171	23	retirement	retirement	NOUN
fsr-4052	171	24	ages	age	NOUN
fsr-4052	171	25	.	.	PUNCT
fsr-4052	172	1	understanding	understand	VERB
fsr-4052	172	2	the	the	DET
fsr-4052	172	3	relationship	relationship	NOUN
fsr-4052	172	4	between	between	ADP
fsr-4052	172	5	these	these	DET
fsr-4052	172	6	factors	factor	NOUN
fsr-4052	172	7	,	,	PUNCT
fsr-4052	172	8	workers	worker	NOUN
fsr-4052	172	9	’	'	PUNCT
fsr-4052	172	10	expected	expect	VERB
fsr-4052	172	11	retirement	retirement	NOUN
fsr-4052	172	12	timing	timing	NOUN
fsr-4052	172	13	and	and	CCONJ
fsr-4052	172	14	their	their	PRON
fsr-4052	172	15	ultimate	ultimate	ADJ
fsr-4052	172	16	retirement	retirement	NOUN
fsr-4052	172	17	choices	choice	NOUN
fsr-4052	172	18	,	,	PUNCT
fsr-4052	172	19	employers	employer	NOUN
fsr-4052	172	20	and	and	CCONJ
fsr-4052	172	21	retirement	retirement	NOUN
fsr-4052	172	22	industry	industry	NOUN
fsr-4052	172	23	providers	provider	NOUN
fsr-4052	172	24	can	can	AUX
fsr-4052	172	25	help	help	VERB
fsr-4052	172	26	employees	employee	NOUN
fsr-4052	172	27	better	well	ADV
fsr-4052	172	28	prepare	prepare	VERB
fsr-4052	172	29	for	for	ADP
fsr-4052	172	30	the	the	DET
fsr-4052	172	31	(	(	PUNCT
fsr-4052	172	32	often	often	ADV
fsr-4052	172	33	negative	negative	ADJ
fsr-4052	172	34	)	)	PUNCT
fsr-4052	172	35	financial	financial	ADJ
fsr-4052	172	36	situations	situation	NOUN
fsr-4052	172	37	that	that	PRON
fsr-4052	172	38	arise	arise	VERB
fsr-4052	172	39	when	when	SCONJ
fsr-4052	172	40	retirement	retirement	NOUN
fsr-4052	172	41	expectations	expectation	NOUN
fsr-4052	172	42	and	and	CCONJ
fsr-4052	172	43	reality	reality	NOUN
fsr-4052	172	44	do	do	AUX
fsr-4052	172	45	not	not	PART
fsr-4052	172	46	align	align	VERB
fsr-4052	172	47	.	.	PUNCT
fsr-4052	173	1	financial	financial	ADJ
fsr-4052	173	2	services	service	NOUN
fsr-4052	173	3	review	review	PROPN
fsr-4052	173	4	,	,	PUNCT
fsr-4052	173	5	33(1	33(1	NUM
fsr-4052	173	6	)	)	PUNCT
fsr-4052	173	7	43	43	NUM
fsr-4052	173	8	table	table	NOUN
fsr-4052	173	9	5	5	NUM
fsr-4052	173	10	:	:	PUNCT
fsr-4052	173	11	longitudinal	longitudinal	ADJ
fsr-4052	173	12	ordered	order	VERB
fsr-4052	173	13	probit	probit	NOUN
fsr-4052	173	14	average	average	ADJ
fsr-4052	173	15	marginal	marginal	ADJ
fsr-4052	173	16	effects	effect	NOUN
fsr-4052	173	17	on	on	ADP
fsr-4052	173	18	reality	reality	NOUN
fsr-4052	173	19	minus	minus	ADP
fsr-4052	173	20	expectations	expectation	NOUN
fsr-4052	173	21	retirement	retirement	NOUN
fsr-4052	173	22	timing	timing	NOUN
fsr-4052	173	23	flags	flag	VERB
fsr-4052	173	24	independent	independent	ADJ
fsr-4052	173	25	variable	variable	NOUN
fsr-4052	173	26	:	:	PUNCT
fsr-4052	173	27	flags	flag	NOUN
fsr-4052	173	28	on	on	ADP
fsr-4052	173	29	actual	actual	ADJ
fsr-4052	173	30	minus	minus	CCONJ
fsr-4052	173	31	expected	expect	VERB
fsr-4052	173	32	retirement	retirement	NOUN
fsr-4052	173	33	ages	age	NOUN
fsr-4052	173	34	independent	independent	ADJ
fsr-4052	173	35	variables	variable	NOUN
fsr-4052	173	36	retire	retire	VERB
fsr-4052	173	37	earlier	early	ADV
fsr-4052	173	38	than	than	SCONJ
fsr-4052	173	39	expected	expect	VERB
fsr-4052	173	40	(	(	PUNCT
fsr-4052	173	41	-1	-1	ADJ
fsr-4052	173	42	)	)	PUNCT
fsr-4052	173	43	same	same	ADJ
fsr-4052	173	44	year	year	NOUN
fsr-4052	173	45	as	as	SCONJ
fsr-4052	173	46	expected	expect	VERB
fsr-4052	173	47	(	(	PUNCT
fsr-4052	173	48	0	0	NUM
fsr-4052	173	49	)	)	PUNCT
fsr-4052	173	50	retire	retire	NOUN
fsr-4052	173	51	later	later	ADV
fsr-4052	173	52	than	than	SCONJ
fsr-4052	173	53	expected	expect	VERB
fsr-4052	173	54	(	(	PUNCT
fsr-4052	173	55	+1	+1	ADJ
fsr-4052	173	56	)	)	PUNCT
fsr-4052	173	57	health	health	NOUN
fsr-4052	173	58	-0.0283	-0.0283	NOUN
fsr-4052	173	59	*	*	PUNCT
fsr-4052	173	60	*	*	PUNCT
fsr-4052	173	61	*	*	PUNCT
fsr-4052	173	62	0.00434	0.00434	NUM
fsr-4052	173	63	*	*	PUNCT
fsr-4052	173	64	*	*	PUNCT
fsr-4052	173	65	*	*	PUNCT
fsr-4052	173	66	0.0239	0.0239	NUM
fsr-4052	173	67	*	*	PUNCT
fsr-4052	173	68	*	*	PUNCT
fsr-4052	173	69	*	*	PUNCT
fsr-4052	173	70	(	(	PUNCT
fsr-4052	173	71	0.0066	0.0066	NUM
fsr-4052	173	72	)	)	PUNCT
fsr-4052	173	73	(	(	PUNCT
fsr-4052	173	74	0.0010	0.0010	NUM
fsr-4052	173	75	)	)	PUNCT
fsr-4052	173	76	(	(	PUNCT
fsr-4052	173	77	0.0056	0.0056	NUM
fsr-4052	173	78	)	)	PUNCT
fsr-4052	173	79	ln(wealth	ln(wealth	NOUN
fsr-4052	173	80	)	)	PUNCT
fsr-4052	173	81	0.0146	0.0146	NUM
fsr-4052	174	1	*	*	PUNCT
fsr-4052	174	2	*	*	PUNCT
fsr-4052	174	3	-0.00224	-0.00224	X
fsr-4052	174	4	*	*	PUNCT
fsr-4052	174	5	*	*	PUNCT
fsr-4052	174	6	-0.0123	-0.0123	NOUN
fsr-4052	174	7	*	*	PUNCT
fsr-4052	174	8	*	*	PUNCT
fsr-4052	174	9	(	(	PUNCT
fsr-4052	174	10	0.0045	0.0045	NUM
fsr-4052	174	11	)	)	PUNCT
fsr-4052	174	12	(	(	PUNCT
fsr-4052	174	13	0.0007	0.0007	NUM
fsr-4052	174	14	)	)	PUNCT
fsr-4052	174	15	(	(	PUNCT
fsr-4052	174	16	0.0038	0.0038	NUM
fsr-4052	174	17	)	)	PUNCT
fsr-4052	174	18	years	year	NOUN
fsr-4052	174	19	to	to	PART
fsr-4052	174	20	live	live	VERB
fsr-4052	174	21	-0.00344	-0.00344	NOUN
fsr-4052	174	22	*	*	PUNCT
fsr-4052	174	23	*	*	PUNCT
fsr-4052	174	24	*	*	PUNCT
fsr-4052	174	25	0.000529	0.000529	NUM
fsr-4052	174	26	*	*	PUNCT
fsr-4052	174	27	*	*	PUNCT
fsr-4052	174	28	*	*	PUNCT
fsr-4052	174	29	0.00291	0.00291	NUM
fsr-4052	174	30	*	*	PUNCT
fsr-4052	174	31	*	*	PUNCT
fsr-4052	174	32	*	*	PUNCT
fsr-4052	174	33	(	(	PUNCT
fsr-4052	174	34	0.0007	0.0007	NUM
fsr-4052	174	35	)	)	PUNCT
fsr-4052	174	36	(	(	PUNCT
fsr-4052	174	37	0.0001	0.0001	NUM
fsr-4052	174	38	)	)	PUNCT
fsr-4052	174	39	(	(	PUNCT
fsr-4052	174	40	0.0006	0.0006	NUM
fsr-4052	174	41	)	)	PUNCT
fsr-4052	174	42	married	married	ADJ
fsr-4052	174	43	-0.0414	-0.0414	NOUN
fsr-4052	174	44	*	*	PUNCT
fsr-4052	175	1	0.00637	0.00637	NUM
fsr-4052	175	2	*	*	PUNCT
fsr-4052	175	3	0.0351	0.0351	NUM
fsr-4052	175	4	*	*	SYM
fsr-4052	175	5	(	(	PUNCT
fsr-4052	175	6	0.0181	0.0181	NUM
fsr-4052	175	7	)	)	PUNCT
fsr-4052	175	8	(	(	PUNCT
fsr-4052	175	9	0.0028	0.0028	NUM
fsr-4052	175	10	)	)	PUNCT
fsr-4052	175	11	(	(	PUNCT
fsr-4052	175	12	0.0154	0.0154	NUM
fsr-4052	175	13	)	)	PUNCT
fsr-4052	175	14	widowed	widow	VERB
fsr-4052	175	15	0.0892	0.0892	NUM
fsr-4052	175	16	*	*	NOUN
fsr-4052	175	17	*	*	PUNCT
fsr-4052	175	18	-0.0137	-0.0137	X
fsr-4052	175	19	*	*	PUNCT
fsr-4052	175	20	*	*	PUNCT
fsr-4052	176	1	-0.0755	-0.0755	PUNCT
fsr-4052	176	2	*	*	PUNCT
fsr-4052	176	3	*	*	PUNCT
fsr-4052	176	4	(	(	PUNCT
fsr-4052	176	5	0.0280	0.0280	NUM
fsr-4052	176	6	)	)	PUNCT
fsr-4052	176	7	(	(	PUNCT
fsr-4052	176	8	0.0043	0.0043	NUM
fsr-4052	176	9	)	)	PUNCT
fsr-4052	176	10	(	(	PUNCT
fsr-4052	176	11	0.0237	0.0237	NUM
fsr-4052	176	12	)	)	PUNCT
fsr-4052	176	13	number	number	NOUN
fsr-4052	176	14	of	of	ADP
fsr-4052	176	15	living	live	VERB
fsr-4052	176	16	children	child	NOUN
fsr-4052	176	17	0.000759	0.000759	NUM
fsr-4052	176	18	-0.000117	-0.000117	VERB
fsr-4052	176	19	-0.000642	-0.000642	PROPN
fsr-4052	176	20	(	(	PUNCT
fsr-4052	176	21	0.0036	0.0036	NUM
fsr-4052	176	22	)	)	PUNCT
fsr-4052	176	23	(	(	PUNCT
fsr-4052	176	24	0.0006	0.0006	NUM
fsr-4052	176	25	)	)	PUNCT
fsr-4052	176	26	(	(	PUNCT
fsr-4052	176	27	0.0030	0.0030	NUM
fsr-4052	176	28	)	)	PUNCT
fsr-4052	176	29	financial	financial	ADJ
fsr-4052	176	30	plan	plan	NOUN
fsr-4052	176	31	horizon	horizon	NOUN
fsr-4052	176	32	0.0140	0.0140	NUM
fsr-4052	176	33	*	*	PROPN
fsr-4052	176	34	*	*	PUNCT
fsr-4052	176	35	-0.00215	-0.00215	PROPN
fsr-4052	176	36	*	*	PUNCT
fsr-4052	176	37	*	*	PUNCT
fsr-4052	176	38	-0.0118	-0.0118	NOUN
fsr-4052	177	1	*	*	PUNCT
fsr-4052	177	2	*	*	PUNCT
fsr-4052	177	3	(	(	PUNCT
fsr-4052	177	4	0.0051	0.0051	NUM
fsr-4052	177	5	)	)	PUNCT
fsr-4052	177	6	(	(	PUNCT
fsr-4052	177	7	0.0008	0.0008	NUM
fsr-4052	177	8	)	)	PUNCT
fsr-4052	177	9	(	(	PUNCT
fsr-4052	177	10	0.0043	0.0043	NUM
fsr-4052	177	11	)	)	PUNCT
fsr-4052	177	12	ever	ever	ADV
fsr-4052	177	13	had	have	VERB
fsr-4052	177	14	cancer	cancer	NOUN
fsr-4052	177	15	or	or	CCONJ
fsr-4052	177	16	heart	heart	NOUN
fsr-4052	177	17	prob	prob	NOUN
fsr-4052	177	18	0.0966	0.0966	NUM
fsr-4052	177	19	*	*	PUNCT
fsr-4052	177	20	*	*	PUNCT
fsr-4052	177	21	*	*	NOUN
fsr-4052	177	22	-0.0148	-0.0148	NOUN
fsr-4052	177	23	*	*	PUNCT
fsr-4052	177	24	*	*	PUNCT
fsr-4052	177	25	*	*	NOUN
fsr-4052	177	26	-0.0818	-0.0818	PUNCT
fsr-4052	178	1	*	*	PUNCT
fsr-4052	178	2	*	*	PUNCT
fsr-4052	178	3	*	*	PUNCT
fsr-4052	178	4	(	(	PUNCT
fsr-4052	178	5	0.0178	0.0178	NUM
fsr-4052	178	6	)	)	PUNCT
fsr-4052	178	7	(	(	PUNCT
fsr-4052	178	8	0.0028	0.0028	NUM
fsr-4052	178	9	)	)	PUNCT
fsr-4052	178	10	(	(	PUNCT
fsr-4052	178	11	0.0151	0.0151	NUM
fsr-4052	178	12	)	)	PUNCT
fsr-4052	178	13	n	n	NOUN
fsr-4052	178	14	5,668	5,668	NUM
fsr-4052	178	15	5,668	5,668	NUM
fsr-4052	178	16	5,668	5,668	NUM
fsr-4052	178	17	retirement	retirement	NOUN
fsr-4052	178	18	age	age	NOUN
fsr-4052	178	19	decisions	decision	NOUN
fsr-4052	178	20	not	not	PART
fsr-4052	178	21	only	only	ADV
fsr-4052	178	22	affect	affect	VERB
fsr-4052	178	23	the	the	DET
fsr-4052	178	24	economic	economic	ADJ
fsr-4052	178	25	well	well	NOUN
fsr-4052	178	26	-	-	PUNCT
fsr-4052	178	27	being	being	NOUN
fsr-4052	178	28	of	of	ADP
fsr-4052	178	29	individuals	individual	NOUN
fsr-4052	178	30	and	and	CCONJ
fsr-4052	178	31	households	household	NOUN
fsr-4052	178	32	in	in	ADP
fsr-4052	178	33	the	the	DET
fsr-4052	178	34	united	united	PROPN
fsr-4052	178	35	states	states	PROPN
fsr-4052	178	36	.	.	PUNCT
fsr-4052	178	37	,	,	PUNCT
fsr-4052	178	38	but	but	CCONJ
fsr-4052	178	39	also	also	ADV
fsr-4052	178	40	impact	impact	VERB
fsr-4052	178	41	the	the	DET
fsr-4052	178	42	financial	financial	ADJ
fsr-4052	178	43	solvency	solvency	NOUN
fsr-4052	178	44	of	of	ADP
fsr-4052	178	45	the	the	DET
fsr-4052	178	46	social	social	ADJ
fsr-4052	178	47	security	security	NOUN
fsr-4052	178	48	system	system	NOUN
fsr-4052	178	49	(	(	PUNCT
fsr-4052	178	50	montalto	montalto	PROPN
fsr-4052	178	51	,	,	PUNCT
fsr-4052	178	52	yuh	yuh	PROPN
fsr-4052	178	53	,	,	PUNCT
fsr-4052	178	54	and	and	CCONJ
fsr-4052	178	55	hannah	hannah	PROPN
fsr-4052	178	56	,	,	PUNCT
fsr-4052	178	57	2000	2000	NUM
fsr-4052	178	58	)	)	PUNCT
fsr-4052	178	59	.	.	PUNCT
fsr-4052	179	1	a	a	DET
fsr-4052	179	2	growing	grow	VERB
fsr-4052	179	3	body	body	NOUN
fsr-4052	179	4	of	of	ADP
fsr-4052	179	5	research	research	NOUN
fsr-4052	179	6	indicates	indicate	VERB
fsr-4052	179	7	that	that	SCONJ
fsr-4052	179	8	retirement	retirement	NOUN
fsr-4052	179	9	age	age	NOUN
fsr-4052	179	10	projections	projection	NOUN
fsr-4052	179	11	are	be	AUX
fsr-4052	179	12	inconsistent	inconsistent	ADJ
fsr-4052	179	13	with	with	ADP
fsr-4052	179	14	decisions	decision	NOUN
fsr-4052	179	15	on	on	ADP
fsr-4052	179	16	actual	actual	ADJ
fsr-4052	179	17	retirement	retirement	NOUN
fsr-4052	179	18	age	age	NOUN
fsr-4052	179	19	,	,	PUNCT
fsr-4052	179	20	and	and	CCONJ
fsr-4052	179	21	incorporating	incorporate	VERB
fsr-4052	179	22	retirement	retirement	NOUN
fsr-4052	179	23	age	age	NOUN
fsr-4052	179	24	uncertainty	uncertainty	NOUN
fsr-4052	179	25	into	into	ADP
fsr-4052	179	26	a	a	DET
fsr-4052	179	27	financial	financial	ADJ
fsr-4052	179	28	plan	plan	NOUN
fsr-4052	179	29	can	can	AUX
fsr-4052	179	30	significantly	significantly	ADV
fsr-4052	179	31	impact	impact	VERB
fsr-4052	179	32	required	require	VERB
fsr-4052	179	33	retirement	retirement	NOUN
fsr-4052	179	34	savings	saving	NOUN
fsr-4052	179	35	levels	level	NOUN
fsr-4052	179	36	(	(	PUNCT
fsr-4052	179	37	blanchett	blanchett	PROPN
fsr-4052	179	38	,	,	PUNCT
fsr-4052	179	39	2018	2018	NUM
fsr-4052	179	40	)	)	PUNCT
fsr-4052	179	41	.	.	PUNCT
fsr-4052	180	1	understanding	understand	VERB
fsr-4052	180	2	that	that	SCONJ
fsr-4052	180	3	many	many	ADJ
fsr-4052	180	4	retirement	retirement	NOUN
fsr-4052	180	5	service	service	NOUN
fsr-4052	180	6	products	product	NOUN
fsr-4052	180	7	and	and	CCONJ
fsr-4052	180	8	financial	financial	ADJ
fsr-4052	180	9	planning	planning	NOUN
fsr-4052	180	10	engines	engine	NOUN
fsr-4052	180	11	integrate	integrate	VERB
fsr-4052	180	12	a	a	DET
fsr-4052	180	13	self	self	NOUN
fsr-4052	180	14	-	-	PUNCT
fsr-4052	180	15	reported	report	VERB
fsr-4052	180	16	retirement	retirement	NOUN
fsr-4052	180	17	age	age	NOUN
fsr-4052	180	18	into	into	ADP
fsr-4052	180	19	their	their	PRON
fsr-4052	180	20	design	design	NOUN
fsr-4052	180	21	,	,	PUNCT
fsr-4052	180	22	benefits	benefit	VERB
fsr-4052	180	23	providers	provider	NOUN
fsr-4052	180	24	and	and	CCONJ
fsr-4052	180	25	employers	employer	NOUN
fsr-4052	180	26	may	may	AUX
fsr-4052	180	27	consider	consider	VERB
fsr-4052	180	28	incorporating	incorporate	VERB
fsr-4052	180	29	retirement	retirement	NOUN
fsr-4052	180	30	uncertainty	uncertainty	NOUN
fsr-4052	180	31	(	(	PUNCT
fsr-4052	180	32	such	such	ADJ
fsr-4052	180	33	as	as	ADP
fsr-4052	180	34	the	the	DET
fsr-4052	180	35	discrepancy	discrepancy	NOUN
fsr-4052	180	36	between	between	ADP
fsr-4052	180	37	retirement	retirement	NOUN
fsr-4052	180	38	expectations	expectation	NOUN
fsr-4052	180	39	and	and	CCONJ
fsr-4052	180	40	reality	reality	NOUN
fsr-4052	180	41	discussed	discuss	VERB
fsr-4052	180	42	in	in	ADP
fsr-4052	180	43	this	this	DET
fsr-4052	180	44	study	study	NOUN
fsr-4052	180	45	)	)	PUNCT
fsr-4052	180	46	into	into	ADP
fsr-4052	180	47	the	the	DET
fsr-4052	180	48	product	product	NOUN
fsr-4052	180	49	design	design	NOUN
fsr-4052	180	50	and	and	CCONJ
fsr-4052	180	51	implementation	implementation	NOUN
fsr-4052	180	52	.	.	PUNCT
fsr-4052	181	1	the	the	DET
fsr-4052	181	2	more	more	ADV
fsr-4052	181	3	accurately	accurately	ADV
fsr-4052	181	4	participant	participant	ADJ
fsr-4052	181	5	-	-	PUNCT
fsr-4052	181	6	facing	face	VERB
fsr-4052	181	7	calculators	calculator	NOUN
fsr-4052	181	8	and	and	CCONJ
fsr-4052	181	9	financial	financial	ADJ
fsr-4052	181	10	plans	plan	NOUN
fsr-4052	181	11	11	11	NUM
fsr-4052	181	12	age	age	NOUN
fsr-4052	181	13	65	65	NUM
fsr-4052	181	14	is	be	AUX
fsr-4052	181	15	the	the	DET
fsr-4052	181	16	fra	fra	NOUN
fsr-4052	181	17	for	for	ADP
fsr-4052	181	18	those	those	DET
fsr-4052	181	19	50	50	NUM
fsr-4052	181	20	-	-	PUNCT
fsr-4052	181	21	year	year	NOUN
fsr-4052	181	22	-	-	PUNCT
fsr-4052	181	23	olds	old	NOUN
fsr-4052	181	24	in	in	ADP
fsr-4052	181	25	1992	1992	NUM
fsr-4052	181	26	when	when	SCONJ
fsr-4052	181	27	they	they	PRON
fsr-4052	181	28	took	take	VERB
fsr-4052	181	29	the	the	DET
fsr-4052	181	30	hrs	hrs	NOUN
fsr-4052	181	31	survey	survey	NOUN
fsr-4052	181	32	.	.	PUNCT
fsr-4052	182	1	it	it	PRON
fsr-4052	182	2	is	be	AUX
fsr-4052	182	3	also	also	ADV
fsr-4052	182	4	an	an	DET
fsr-4052	182	5	important	important	ADJ
fsr-4052	182	6	represent	represent	VERB
fsr-4052	182	7	the	the	DET
fsr-4052	182	8	range	range	NOUN
fsr-4052	182	9	of	of	ADP
fsr-4052	182	10	outcomes	outcome	NOUN
fsr-4052	182	11	with	with	ADP
fsr-4052	182	12	associated	associated	ADJ
fsr-4052	182	13	probabilities	probability	NOUN
fsr-4052	182	14	,	,	PUNCT
fsr-4052	182	15	the	the	PRON
fsr-4052	182	16	better	well	ADJ
fsr-4052	182	17	they	they	PRON
fsr-4052	182	18	can	can	AUX
fsr-4052	182	19	help	help	VERB
fsr-4052	182	20	workers	worker	NOUN
fsr-4052	182	21	achieve	achieve	VERB
fsr-4052	182	22	a	a	DET
fsr-4052	182	23	successful	successful	ADJ
fsr-4052	182	24	retirement	retirement	NOUN
fsr-4052	182	25	.	.	PUNCT
fsr-4052	183	1	using	use	VERB
fsr-4052	183	2	the	the	DET
fsr-4052	183	3	longitudinal	longitudinal	ADJ
fsr-4052	183	4	hrs	hrs	NOUN
fsr-4052	183	5	data	datum	NOUN
fsr-4052	183	6	,	,	PUNCT
fsr-4052	183	7	this	this	DET
fsr-4052	183	8	study	study	NOUN
fsr-4052	183	9	examines	examine	VERB
fsr-4052	183	10	the	the	DET
fsr-4052	183	11	different	different	ADJ
fsr-4052	183	12	socioeconomic	socioeconomic	ADJ
fsr-4052	183	13	and	and	CCONJ
fsr-4052	183	14	demographic	demographic	ADJ
fsr-4052	183	15	factors	factor	NOUN
fsr-4052	183	16	that	that	PRON
fsr-4052	183	17	impact	impact	VERB
fsr-4052	183	18	older	old	ADJ
fsr-4052	183	19	americans	american	NOUN
fsr-4052	183	20	’	’	PART
fsr-4052	183	21	actual	actual	ADJ
fsr-4052	183	22	and	and	CCONJ
fsr-4052	183	23	expected	expect	VERB
fsr-4052	183	24	retirement	retirement	NOUN
fsr-4052	183	25	ages	age	NOUN
fsr-4052	183	26	,	,	PUNCT
fsr-4052	183	27	as	as	ADV
fsr-4052	183	28	well	well	ADV
fsr-4052	183	29	as	as	ADP
fsr-4052	183	30	the	the	DET
fsr-4052	183	31	gaps	gap	NOUN
fsr-4052	183	32	between	between	ADP
fsr-4052	183	33	the	the	DET
fsr-4052	183	34	two	two	NUM
fsr-4052	183	35	.	.	PUNCT
fsr-4052	184	1	we	we	PRON
fsr-4052	184	2	find	find	VERB
fsr-4052	184	3	that	that	SCONJ
fsr-4052	184	4	when	when	SCONJ
fsr-4052	184	5	even	even	ADV
fsr-4052	184	6	among	among	ADP
fsr-4052	184	7	retirees	retiree	NOUN
fsr-4052	184	8	who	who	PRON
fsr-4052	184	9	were	be	AUX
fsr-4052	184	10	only	only	ADV
fsr-4052	184	11	ten	ten	NUM
fsr-4052	184	12	years	year	NOUN
fsr-4052	184	13	away	away	ADV
fsr-4052	184	14	from	from	ADP
fsr-4052	184	15	their	their	PRON
fsr-4052	184	16	retirement	retirement	NOUN
fsr-4052	184	17	age	age	NOUN
fsr-4052	184	18	(	(	PUNCT
fsr-4052	184	19	i.e.	i.e.	X
fsr-4052	184	20	,	,	PUNCT
fsr-4052	184	21	in	in	ADP
fsr-4052	184	22	their	their	PRON
fsr-4052	184	23	50s	50	NOUN
fsr-4052	184	24	)	)	PUNCT
fsr-4052	184	25	,	,	PUNCT
fsr-4052	184	26	only	only	ADV
fsr-4052	184	27	one	one	NUM
fsr-4052	184	28	in	in	ADP
fsr-4052	184	29	six	six	NUM
fsr-4052	184	30	accurately	accurately	ADV
fsr-4052	184	31	predicted	predict	VERB
fsr-4052	184	32	their	their	PRON
fsr-4052	184	33	first	first	ADJ
fsr-4052	184	34	retirement	retirement	NOUN
fsr-4052	184	35	age	age	NOUN
fsr-4052	184	36	.	.	PUNCT
fsr-4052	185	1	in	in	ADP
fsr-4052	185	2	fact	fact	NOUN
fsr-4052	185	3	,	,	PUNCT
fsr-4052	185	4	more	more	ADJ
fsr-4052	185	5	than	than	ADP
fsr-4052	185	6	half	half	NOUN
fsr-4052	185	7	of	of	ADP
fsr-4052	185	8	the	the	DET
fsr-4052	185	9	participants	participant	NOUN
fsr-4052	185	10	ended	end	VERB
fsr-4052	185	11	up	up	ADP
fsr-4052	185	12	retiring	retire	VERB
fsr-4052	185	13	earlier	early	ADV
fsr-4052	185	14	than	than	ADP
fsr-4052	185	15	their	their	PRON
fsr-4052	185	16	expectations	expectation	NOUN
fsr-4052	185	17	.	.	PUNCT
fsr-4052	186	1	although	although	SCONJ
fsr-4052	186	2	participants	participant	NOUN
fsr-4052	186	3	’	'	PUNCT
fsr-4052	186	4	expected	expect	VERB
fsr-4052	186	5	retirement	retirement	NOUN
fsr-4052	186	6	ages	age	NOUN
fsr-4052	186	7	are	be	AUX
fsr-4052	186	8	usually	usually	ADV
fsr-4052	186	9	centered	center	VERB
fsr-4052	186	10	around	around	ADP
fsr-4052	186	11	two	two	NUM
fsr-4052	186	12	social	social	ADJ
fsr-4052	186	13	security	security	NOUN
fsr-4052	186	14	claiming	claim	VERB
fsr-4052	186	15	ages	age	NOUN
fsr-4052	186	16	(	(	PUNCT
fsr-4052	186	17	62	62	NUM
fsr-4052	186	18	and	and	CCONJ
fsr-4052	186	19	6511	6511	NUM
fsr-4052	186	20	)	)	PUNCT
fsr-4052	186	21	,	,	PUNCT
fsr-4052	186	22	their	their	PRON
fsr-4052	186	23	actual	actual	ADJ
fsr-4052	186	24	retirement	retirement	NOUN
fsr-4052	186	25	ages	age	NOUN
fsr-4052	186	26	are	be	AUX
fsr-4052	186	27	more	more	ADV
fsr-4052	186	28	likely	likely	ADJ
fsr-4052	186	29	to	to	PART
fsr-4052	186	30	follow	follow	VERB
fsr-4052	186	31	a	a	DET
fsr-4052	186	32	negatively	negatively	ADV
fsr-4052	186	33	skewed	skewed	ADJ
fsr-4052	186	34	(	(	PUNCT
fsr-4052	186	35	retire	retire	VERB
fsr-4052	186	36	earlier	early	ADJ
fsr-4052	186	37	)	)	PUNCT
fsr-4052	186	38	distribution	distribution	NOUN
fsr-4052	186	39	.	.	PUNCT
fsr-4052	187	1	the	the	DET
fsr-4052	187	2	most	most	ADV
fsr-4052	187	3	significant	significant	ADJ
fsr-4052	187	4	factors	factor	NOUN
fsr-4052	187	5	that	that	PRON
fsr-4052	187	6	influence	influence	NOUN
fsr-4052	187	7	participants	participant	NOUN
fsr-4052	187	8	’	'	PUNCT
fsr-4052	187	9	retirement	retirement	NOUN
fsr-4052	187	10	decisions	decision	NOUN
fsr-4052	187	11	relative	relative	ADJ
fsr-4052	187	12	to	to	ADP
fsr-4052	187	13	age	age	NOUN
fsr-4052	187	14	for	for	ADP
fsr-4052	187	15	medicare	medicare	PROPN
fsr-4052	187	16	.	.	PUNCT
fsr-4052	188	1	note	note	VERB
fsr-4052	188	2	that	that	SCONJ
fsr-4052	188	3	the	the	DET
fsr-4052	188	4	full	full	ADJ
fsr-4052	188	5	ssb	ssb	NOUN
fsr-4052	188	6	fra	fra	NOUN
fsr-4052	188	7	is	be	AUX
fsr-4052	188	8	now	now	ADV
fsr-4052	188	9	around	around	ADV
fsr-4052	188	10	67	67	NUM
fsr-4052	188	11	for	for	ADP
fsr-4052	188	12	younger	young	ADJ
fsr-4052	188	13	cohorts	cohort	NOUN
fsr-4052	188	14	.	.	PUNCT
fsr-4052	189	1	liu	liu	PROPN
fsr-4052	189	2	et	et	PROPN
fsr-4052	189	3	al	al	PROPN
fsr-4052	189	4	.	.	PROPN
fsr-4052	190	1	44	44	NUM
fsr-4052	190	2	expectations	expectation	NOUN
fsr-4052	190	3	are	be	AUX
fsr-4052	190	4	health	health	NOUN
fsr-4052	190	5	(	(	PUNCT
fsr-4052	190	6	+	+	NOUN
fsr-4052	190	7	)	)	PUNCT
fsr-4052	190	8	,	,	PUNCT
fsr-4052	190	9	wealth	wealth	NOUN
fsr-4052	190	10	(	(	PUNCT
fsr-4052	190	11	-	-	PUNCT
fsr-4052	190	12	)	)	PUNCT
fsr-4052	190	13	,	,	PUNCT
fsr-4052	190	14	age	age	NOUN
fsr-4052	190	15	(	(	PUNCT
fsr-4052	190	16	+	+	NOUN
fsr-4052	190	17	)	)	PUNCT
fsr-4052	190	18	,	,	PUNCT
fsr-4052	190	19	change	change	NOUN
fsr-4052	190	20	of	of	ADP
fsr-4052	190	21	marital	marital	ADJ
fsr-4052	190	22	status	status	NOUN
fsr-4052	190	23	(	(	PUNCT
fsr-4052	190	24	+	+	NOUN
fsr-4052	190	25	)	)	PUNCT
fsr-4052	190	26	,	,	PUNCT
fsr-4052	190	27	mortality	mortality	NOUN
fsr-4052	190	28	expectations	expectation	NOUN
fsr-4052	190	29	(	(	PUNCT
fsr-4052	190	30	+	+	NOUN
fsr-4052	190	31	)	)	PUNCT
fsr-4052	190	32	,	,	PUNCT
fsr-4052	190	33	education	education	NOUN
fsr-4052	190	34	levels	level	NOUN
fsr-4052	190	35	(	(	PUNCT
fsr-4052	190	36	+	+	NOUN
fsr-4052	190	37	)	)	PUNCT
fsr-4052	190	38	,	,	PUNCT
fsr-4052	190	39	disability	disability	NOUN
fsr-4052	190	40	(	(	PUNCT
fsr-4052	190	41	-	-	PUNCT
fsr-4052	190	42	)	)	PUNCT
fsr-4052	190	43	,	,	PUNCT
fsr-4052	190	44	and	and	CCONJ
fsr-4052	190	45	major	major	ADJ
fsr-4052	190	46	illness	illness	NOUN
fsr-4052	190	47	diagnosis	diagnosis	NOUN
fsr-4052	190	48	(	(	PUNCT
fsr-4052	190	49	-	-	PUNCT
fsr-4052	190	50	)	)	PUNCT
fsr-4052	190	51	.	.	PUNCT
fsr-4052	191	1	focusing	focus	VERB
fsr-4052	191	2	on	on	ADP
fsr-4052	191	3	these	these	DET
fsr-4052	191	4	factors	factor	NOUN
fsr-4052	191	5	can	can	AUX
fsr-4052	191	6	help	help	VERB
fsr-4052	191	7	the	the	DET
fsr-4052	191	8	retirement	retirement	NOUN
fsr-4052	191	9	benefits	benefit	NOUN
fsr-4052	191	10	community	community	NOUN
fsr-4052	191	11	explore	explore	VERB
fsr-4052	191	12	strategies	strategy	NOUN
fsr-4052	191	13	to	to	PART
fsr-4052	191	14	mitigate	mitigate	VERB
fsr-4052	191	15	the	the	DET
fsr-4052	191	16	negative	negative	ADJ
fsr-4052	191	17	consequences	consequence	NOUN
fsr-4052	191	18	of	of	ADP
fsr-4052	191	19	gaps	gap	NOUN
fsr-4052	191	20	between	between	ADP
fsr-4052	191	21	retirement	retirement	NOUN
fsr-4052	191	22	expectations	expectation	NOUN
fsr-4052	191	23	and	and	CCONJ
fsr-4052	191	24	reality	reality	NOUN
fsr-4052	191	25	.	.	PUNCT
fsr-4052	192	1	this	this	DET
fsr-4052	192	2	study	study	NOUN
fsr-4052	192	3	also	also	ADV
fsr-4052	192	4	introduces	introduce	VERB
fsr-4052	192	5	several	several	ADJ
fsr-4052	192	6	alternative	alternative	ADJ
fsr-4052	192	7	definitions	definition	NOUN
fsr-4052	192	8	of	of	ADP
fsr-4052	192	9	“	"	PUNCT
fsr-4052	192	10	actual	actual	ADJ
fsr-4052	192	11	”	"	PUNCT
fsr-4052	192	12	retirement	retirement	NOUN
fsr-4052	192	13	.	.	PUNCT
fsr-4052	193	1	since	since	SCONJ
fsr-4052	193	2	participants	participant	NOUN
fsr-4052	193	3	may	may	AUX
fsr-4052	193	4	go	go	VERB
fsr-4052	193	5	back	back	ADV
fsr-4052	193	6	to	to	ADP
fsr-4052	193	7	work	work	NOUN
fsr-4052	193	8	after	after	ADP
fsr-4052	193	9	their	their	PRON
fsr-4052	193	10	first	first	ADJ
fsr-4052	193	11	retirement	retirement	NOUN
fsr-4052	193	12	,	,	PUNCT
fsr-4052	193	13	either	either	CCONJ
fsr-4052	193	14	full	full	ADJ
fsr-4052	193	15	-	-	PUNCT
fsr-4052	193	16	time	time	NOUN
fsr-4052	193	17	or	or	CCONJ
fsr-4052	193	18	part	part	NOUN
fsr-4052	193	19	-	-	PUNCT
fsr-4052	193	20	time	time	NOUN
fsr-4052	193	21	,	,	PUNCT
fsr-4052	193	22	their	their	PRON
fsr-4052	193	23	retirement	retirement	NOUN
fsr-4052	193	24	well	well	ADV
fsr-4052	193	25	-	-	PUNCT
fsr-4052	193	26	being	being	NOUN
fsr-4052	193	27	could	could	AUX
fsr-4052	193	28	be	be	AUX
fsr-4052	193	29	significantly	significantly	ADV
fsr-4052	193	30	impacted	impact	VERB
fsr-4052	193	31	by	by	ADP
fsr-4052	193	32	their	their	PRON
fsr-4052	193	33	decisions	decision	NOUN
fsr-4052	193	34	to	to	PART
fsr-4052	193	35	reenter	reenter	VERB
fsr-4052	193	36	the	the	DET
fsr-4052	193	37	workforce	workforce	NOUN
fsr-4052	193	38	.	.	PUNCT
fsr-4052	194	1	policymakers	policymaker	NOUN
fsr-4052	194	2	,	,	PUNCT
fsr-4052	194	3	employers	employer	NOUN
fsr-4052	194	4	,	,	PUNCT
fsr-4052	194	5	and	and	CCONJ
fsr-4052	194	6	retirement	retirement	NOUN
fsr-4052	194	7	service	service	NOUN
fsr-4052	194	8	providers	provider	NOUN
fsr-4052	194	9	may	may	AUX
fsr-4052	194	10	also	also	ADV
fsr-4052	194	11	take	take	VERB
fsr-4052	194	12	the	the	DET
fsr-4052	194	13	participants	participant	NOUN
fsr-4052	194	14	’	'	PUNCT
fsr-4052	194	15	potential	potential	ADJ
fsr-4052	194	16	multiple	multiple	ADJ
fsr-4052	194	17	retirement	retirement	NOUN
fsr-4052	194	18	periods	period	NOUN
fsr-4052	194	19	into	into	ADP
fsr-4052	194	20	consideration	consideration	NOUN
fsr-4052	194	21	.	.	PUNCT
fsr-4052	195	1	future	future	ADJ
fsr-4052	195	2	studies	study	NOUN
fsr-4052	195	3	could	could	AUX
fsr-4052	195	4	focus	focus	VERB
fsr-4052	195	5	on	on	ADP
fsr-4052	195	6	the	the	DET
fsr-4052	195	7	similarities	similarity	NOUN
fsr-4052	195	8	and	and	CCONJ
fsr-4052	195	9	differences	difference	NOUN
fsr-4052	195	10	between	between	ADP
fsr-4052	195	11	these	these	DET
fsr-4052	195	12	retirement	retirement	NOUN
fsr-4052	195	13	definitions	definition	NOUN
fsr-4052	195	14	and	and	CCONJ
fsr-4052	195	15	investigate	investigate	VERB
fsr-4052	195	16	the	the	DET
fsr-4052	195	17	patterns	pattern	NOUN
fsr-4052	195	18	in	in	ADP
fsr-4052	195	19	which	which	PRON
fsr-4052	195	20	retirees	retiree	NOUN
fsr-4052	195	21	stop	stop	VERB
fsr-4052	195	22	working	work	VERB
fsr-4052	195	23	or	or	CCONJ
fsr-4052	195	24	reenter	reenter	VERB
fsr-4052	195	25	the	the	DET
fsr-4052	195	26	workforce	workforce	NOUN
fsr-4052	195	27	one	one	NUM
fsr-4052	195	28	or	or	CCONJ
fsr-4052	195	29	more	more	ADJ
fsr-4052	195	30	times	time	NOUN
fsr-4052	195	31	.	.	PUNCT
fsr-4052	196	1	references	reference	NOUN
fsr-4052	196	2	beehr	beehr	NOUN
fsr-4052	196	3	,	,	PUNCT
fsr-4052	196	4	t.	t.	NOUN
fsr-4052	196	5	a.	a.	NOUN
fsr-4052	196	6	(	(	PUNCT
fsr-4052	196	7	2014	2014	NUM
fsr-4052	196	8	)	)	PUNCT
fsr-4052	196	9	.	.	PUNCT
fsr-4052	197	1	to	to	PART
fsr-4052	197	2	retire	retire	VERB
fsr-4052	197	3	or	or	CCONJ
fsr-4052	197	4	not	not	PART
fsr-4052	197	5	to	to	PART
fsr-4052	197	6	retire	retire	VERB
fsr-4052	197	7	:	:	PUNCT
fsr-4052	197	8	that	that	PRON
fsr-4052	197	9	is	be	AUX
fsr-4052	197	10	not	not	PART
fsr-4052	197	11	the	the	DET
fsr-4052	197	12	question	question	NOUN
fsr-4052	197	13	.	.	PUNCT
fsr-4052	198	1	journal	journal	NOUN
fsr-4052	198	2	of	of	ADP
fsr-4052	198	3	organizational	organizational	ADJ
fsr-4052	198	4	behavior	behavior	NOUN
fsr-4052	198	5	,	,	PUNCT
fsr-4052	198	6	35(8	35(8	NUM
fsr-4052	198	7	)	)	PUNCT
fsr-4052	198	8	,	,	PUNCT
fsr-4052	198	9	1093	1093	NUM
fsr-4052	198	10	–	–	PUNCT
fsr-4052	198	11	1107	1107	NUM
fsr-4052	198	12	.	.	PUNCT
fsr-4052	199	1	https://doi.org/10.1002/job.1965	https://doi.org/10.1002/job.1965	PROPN
fsr-4052	199	2	blanchett	blanchett	PROPN
fsr-4052	199	3	,	,	PUNCT
fsr-4052	199	4	d.	d.	PROPN
fsr-4052	199	5	m.	m.	PROPN
fsr-4052	199	6	(	(	PUNCT
fsr-4052	199	7	2018	2018	NUM
fsr-4052	199	8	)	)	PUNCT
fsr-4052	199	9	.	.	PUNCT
fsr-4052	200	1	the	the	DET
fsr-4052	200	2	impact	impact	NOUN
fsr-4052	200	3	of	of	ADP
fsr-4052	200	4	retirement	retirement	NOUN
fsr-4052	200	5	age	age	NOUN
fsr-4052	200	6	uncertainty	uncertainty	NOUN
fsr-4052	200	7	on	on	ADP
fsr-4052	200	8	retirement	retirement	NOUN
fsr-4052	200	9	outcomes	outcome	NOUN
fsr-4052	200	10	.	.	PUNCT
fsr-4052	201	1	journal	journal	NOUN
fsr-4052	201	2	of	of	ADP
fsr-4052	201	3	financial	financial	ADJ
fsr-4052	201	4	planning	planning	NOUN
fsr-4052	201	5	,	,	PUNCT
fsr-4052	201	6	31(9	31(9	NUM
fsr-4052	201	7	)	)	PUNCT
fsr-4052	201	8	,	,	PUNCT
fsr-4052	201	9	36–45	36–45	NUM
fsr-4052	201	10	.	.	PUNCT
fsr-4052	202	1	blanchett	blanchett	PROPN
fsr-4052	202	2	,	,	PUNCT
fsr-4052	202	3	d.	d.	PROPN
fsr-4052	202	4	(	(	PUNCT
fsr-4052	202	5	2015	2015	NUM
fsr-4052	202	6	)	)	PUNCT
fsr-4052	202	7	.	.	PUNCT
fsr-4052	203	1	dynamic	dynamic	ADJ
fsr-4052	203	2	choice	choice	NOUN
fsr-4052	203	3	and	and	CCONJ
fsr-4052	203	4	optimal	optimal	ADJ
fsr-4052	203	5	annuitization	annuitization	NOUN
fsr-4052	203	6	.	.	PUNCT
fsr-4052	204	1	the	the	DET
fsr-4052	204	2	journal	journal	PROPN
fsr-4052	204	3	of	of	ADP
fsr-4052	204	4	retirement	retirement	NOUN
fsr-4052	204	5	,	,	PUNCT
fsr-4052	204	6	3(1	3(1	NUM
fsr-4052	204	7	)	)	PUNCT
fsr-4052	204	8	,	,	PUNCT
fsr-4052	204	9	38	38	NUM
fsr-4052	204	10	-	-	SYM
fsr-4052	204	11	49	49	NUM
fsr-4052	204	12	.	.	PUNCT
fsr-4052	205	1	coile	coile	PROPN
fsr-4052	205	2	,	,	PUNCT
fsr-4052	205	3	c.	c.	PROPN
fsr-4052	205	4	,	,	PUNCT
fsr-4052	205	5	&	&	CCONJ
fsr-4052	205	6	gruber	gruber	PROPN
fsr-4052	205	7	,	,	PUNCT
fsr-4052	205	8	j.	j.	PROPN
fsr-4052	205	9	(	(	PUNCT
fsr-4052	205	10	2007	2007	NUM
fsr-4052	205	11	)	)	PUNCT
fsr-4052	205	12	.	.	PUNCT
fsr-4052	206	1	future	future	ADJ
fsr-4052	206	2	social	social	ADJ
fsr-4052	206	3	security	security	NOUN
fsr-4052	206	4	entitlements	entitlement	NOUN
fsr-4052	206	5	and	and	CCONJ
fsr-4052	206	6	the	the	DET
fsr-4052	206	7	retirement	retirement	NOUN
fsr-4052	206	8	decision	decision	NOUN
fsr-4052	206	9	.	.	PUNCT
fsr-4052	207	1	the	the	DET
fsr-4052	207	2	review	review	NOUN
fsr-4052	207	3	of	of	ADP
fsr-4052	207	4	economics	economic	NOUN
fsr-4052	207	5	and	and	CCONJ
fsr-4052	207	6	statistics	statistic	NOUN
fsr-4052	207	7	,	,	PUNCT
fsr-4052	207	8	89(2	89(2	NOUN
fsr-4052	207	9	)	)	PUNCT
fsr-4052	207	10	,	,	PUNCT
fsr-4052	207	11	234	234	NUM
fsr-4052	207	12	-	-	SYM
fsr-4052	207	13	246	246	NUM
fsr-4052	207	14	.	.	PUNCT
fsr-4052	208	1	coile	coile	PROPN
fsr-4052	208	2	,	,	PUNCT
fsr-4052	208	3	c.	c.	PROPN
fsr-4052	208	4	,	,	PUNCT
fsr-4052	208	5	&	&	CCONJ
fsr-4052	208	6	zhang	zhang	PROPN
fsr-4052	208	7	,	,	PUNCT
fsr-4052	208	8	h.	h.	PROPN
fsr-4052	208	9	(	(	PUNCT
fsr-4052	208	10	2022	2022	NUM
fsr-4052	208	11	)	)	PUNCT
fsr-4052	208	12	.	.	PUNCT
fsr-4052	209	1	recessions	recession	NOUN
fsr-4052	209	2	and	and	CCONJ
fsr-4052	209	3	retirement	retirement	NOUN
fsr-4052	209	4	:	:	PUNCT
fsr-4052	209	5	new	new	ADJ
fsr-4052	209	6	evidence	evidence	NOUN
fsr-4052	209	7	from	from	ADP
fsr-4052	209	8	the	the	DET
fsr-4052	209	9	covid-19	covid-19	PROPN
fsr-4052	209	10	pandemic	pandemic	NOUN
fsr-4052	209	11	.	.	PUNCT
fsr-4052	210	1	wharton	wharton	PROPN
fsr-4052	210	2	pension	pension	PROPN
fsr-4052	210	3	research	research	PROPN
fsr-4052	210	4	council	council	PROPN
fsr-4052	210	5	working	working	PROPN
fsr-4052	210	6	paper	paper	NOUN
fsr-4052	210	7	(	(	PUNCT
fsr-4052	210	8	no	no	INTJ
fsr-4052	210	9	.	.	NOUN
fsr-4052	210	10	20	20	NUM
fsr-4052	210	11	)	)	PUNCT
fsr-4052	210	12	.	.	PUNCT
fsr-4052	211	1	cregan	cregan	PROPN
fsr-4052	211	2	,	,	PUNCT
fsr-4052	211	3	c.	c.	PROPN
fsr-4052	211	4	,	,	PUNCT
fsr-4052	211	5	kulik	kulik	PROPN
fsr-4052	211	6	,	,	PUNCT
fsr-4052	211	7	c.	c.	PROPN
fsr-4052	211	8	t.	t.	PROPN
fsr-4052	211	9	,	,	PUNCT
fsr-4052	211	10	perera	perera	PROPN
fsr-4052	211	11	,	,	PUNCT
fsr-4052	211	12	s.	s.	PROPN
fsr-4052	211	13	,	,	PUNCT
fsr-4052	211	14	&	&	CCONJ
fsr-4052	211	15	sardeshmukh	sardeshmukh	PROPN
fsr-4052	211	16	,	,	PUNCT
fsr-4052	211	17	s.	s.	PROPN
fsr-4052	211	18	(	(	PUNCT
fsr-4052	211	19	2023	2023	NUM
fsr-4052	211	20	)	)	PUNCT
fsr-4052	211	21	.	.	PUNCT
fsr-4052	212	1	when	when	SCONJ
fsr-4052	212	2	time	time	NOUN
fsr-4052	212	3	is	be	AUX
fsr-4052	212	4	running	run	VERB
fsr-4052	212	5	out	out	ADV
fsr-4052	212	6	:	:	PUNCT
fsr-4052	212	7	a	a	DET
fsr-4052	212	8	growth	growth	NOUN
fsr-4052	212	9	curve	curve	NOUN
fsr-4052	212	10	analysis	analysis	NOUN
fsr-4052	212	11	of	of	ADP
fsr-4052	212	12	older	old	ADJ
fsr-4052	212	13	workers	worker	NOUN
fsr-4052	212	14	'	'	PART
fsr-4052	212	15	retirement	retirement	NOUN
fsr-4052	212	16	intentions	intention	NOUN
fsr-4052	212	17	.	.	PUNCT
fsr-4052	213	1	journal	journal	NOUN
fsr-4052	213	2	of	of	ADP
fsr-4052	213	3	organizational	organizational	ADJ
fsr-4052	213	4	behavior	behavior	NOUN
fsr-4052	213	5	,	,	PUNCT
fsr-4052	213	6	44(5	44(5	NOUN
fsr-4052	213	7	)	)	PUNCT
fsr-4052	213	8	,	,	PUNCT
fsr-4052	213	9	760–775	760–775	NUM
fsr-4052	213	10	.	.	PUNCT
fsr-4052	214	1	https://doi.org/10.1002/job.2692	https://doi.org/10.1002/job.2692	PROPN
fsr-4052	214	2	davis	davis	PROPN
fsr-4052	214	3	,	,	PUNCT
fsr-4052	214	4	o.	o.	PROPN
fsr-4052	214	5	(	(	PUNCT
fsr-4052	214	6	2021	2021	NUM
fsr-4052	214	7	)	)	PUNCT
fsr-4052	214	8	.	.	PUNCT
fsr-4052	215	1	employment	employment	NOUN
fsr-4052	215	2	and	and	CCONJ
fsr-4052	215	3	retirement	retirement	NOUN
fsr-4052	215	4	among	among	ADP
fsr-4052	215	5	older	old	ADJ
fsr-4052	215	6	workers	worker	NOUN
fsr-4052	215	7	during	during	ADP
fsr-4052	215	8	the	the	DET
fsr-4052	215	9	covid19	covid19	NOUN
fsr-4052	215	10	pandemic	pandemic	ADJ
fsr-4052	215	11	.	.	PUNCT
fsr-4052	216	1	schwartz	schwartz	PROPN
fsr-4052	216	2	center	center	PROPN
fsr-4052	216	3	for	for	ADP
fsr-4052	216	4	economic	economic	ADJ
fsr-4052	216	5	policy	policy	NOUN
fsr-4052	216	6	analysis	analysis	NOUN
fsr-4052	216	7	(	(	PUNCT
fsr-4052	216	8	scepa	scepa	NOUN
fsr-4052	216	9	)	)	PUNCT
fsr-4052	216	10	,	,	PUNCT
fsr-4052	216	11	department	department	NOUN
fsr-4052	216	12	of	of	ADP
fsr-4052	216	13	economics	economic	NOUN
fsr-4052	216	14	,	,	PUNCT
fsr-4052	216	15	the	the	DET
fsr-4052	216	16	new	new	ADJ
fsr-4052	216	17	school	school	NOUN
fsr-4052	216	18	for	for	ADP
fsr-4052	216	19	social	social	ADJ
fsr-4052	216	20	research	research	NOUN
fsr-4052	216	21	.	.	PUNCT
fsr-4052	217	1	dubina	dubina	PROPN
fsr-4052	217	2	,	,	PUNCT
fsr-4052	217	3	k.	k.	PROPN
fsr-4052	217	4	s.	s.	PROPN
fsr-4052	217	5	,	,	PUNCT
fsr-4052	217	6	ice	ice	PROPN
fsr-4052	217	7	,	,	PUNCT
fsr-4052	217	8	l.	l.	PROPN
fsr-4052	217	9	,	,	PUNCT
fsr-4052	217	10	kim	kim	PROPN
fsr-4052	217	11	,	,	PUNCT
fsr-4052	217	12	j.	j.	PROPN
fsr-4052	217	13	l.	l.	PROPN
fsr-4052	217	14	,	,	PUNCT
fsr-4052	217	15	&	&	CCONJ
fsr-4052	217	16	rieley	rieley	NOUN
fsr-4052	217	17	,	,	PUNCT
fsr-4052	217	18	m.	m.	NOUN
fsr-4052	217	19	j.	j.	PROPN
fsr-4052	217	20	(	(	PUNCT
fsr-4052	217	21	2021	2021	NUM
fsr-4052	217	22	)	)	PUNCT
fsr-4052	217	23	.	.	PUNCT
fsr-4052	218	1	projections	projection	NOUN
fsr-4052	218	2	overview	overview	VERB
fsr-4052	218	3	and	and	CCONJ
fsr-4052	218	4	highlights	highlight	NOUN
fsr-4052	218	5	,	,	PUNCT
fsr-4052	218	6	2020–30	2020–30	NUM
fsr-4052	218	7	.	.	PUNCT
fsr-4052	219	1	monthly	monthly	ADJ
fsr-4052	219	2	labor	labor	NOUN
fsr-4052	219	3	review	review	NOUN
fsr-4052	219	4	,	,	PUNCT
fsr-4052	219	5	1	1	NUM
fsr-4052	219	6	-	-	SYM
fsr-4052	219	7	38	38	NUM
fsr-4052	219	8	.	.	PUNCT
fsr-4052	220	1	employee	employee	NOUN
fsr-4052	220	2	benefit	benefit	PROPN
fsr-4052	220	3	research	research	PROPN
fsr-4052	220	4	institute	institute	PROPN
fsr-4052	220	5	&	&	CCONJ
fsr-4052	220	6	greenwald	greenwald	PROPN
fsr-4052	220	7	research	research	PROPN
fsr-4052	220	8	.	.	PUNCT
fsr-4052	221	1	(	(	PUNCT
fsr-4052	221	2	2021	2021	NUM
fsr-4052	221	3	)	)	PUNCT
fsr-4052	221	4	.	.	PUNCT
fsr-4052	222	1	2021	2021	NUM
fsr-4052	222	2	retirement	retirement	NOUN
fsr-4052	222	3	confidence	confidence	NOUN
fsr-4052	222	4	survey	survey	NOUN
fsr-4052	222	5	.	.	PUNCT
fsr-4052	223	1	https://www.ebri.org/docs/defaultsource/rcs/2021-rcs/2021-rcs-summaryreport.pdf	https://www.ebri.org/docs/defaultsource/rcs/2021-rcs/2021-rcs-summaryreport.pdf	PROPN
fsr-4052	223	2	gallup	gallup	PROPN
fsr-4052	223	3	.	.	PUNCT
fsr-4052	224	1	(	(	PUNCT
fsr-4052	224	2	2018	2018	NUM
fsr-4052	224	3	)	)	PUNCT
fsr-4052	224	4	.	.	PUNCT
fsr-4052	225	1	retirement	retirement	NOUN
fsr-4052	225	2	age	age	NOUN
fsr-4052	225	3	expectations	expectation	NOUN
fsr-4052	225	4	among	among	ADP
fsr-4052	225	5	u.s	u.s	PROPN
fsr-4052	225	6	.	.	PROPN
fsr-4052	225	7	adults	adult	NOUN
fsr-4052	225	8	:	:	PUNCT
fsr-4052	225	9	record	record	NOUN
fsr-4052	225	10	high	high	ADJ
fsr-4052	225	11	,	,	PUNCT
fsr-4052	225	12	average	average	ADJ
fsr-4052	225	13	still	still	ADV
fsr-4052	225	14	66	66	NUM
fsr-4052	225	15	.	.	PUNCT
fsr-4052	226	1	retrieved	retrieve	VERB
fsr-4052	226	2	from	from	ADP
fsr-4052	226	3	https://news.gallup.com/poll/210890/reti	https://news.gallup.com/poll/210890/reti	PROPN
fsr-4052	226	4	rement-age-expectations-among-adultsrecord-high.aspx	rement-age-expectations-among-adultsrecord-high.aspx	NOUN
fsr-4052	226	5	haider	haider	PROPN
fsr-4052	226	6	,	,	PUNCT
fsr-4052	226	7	s.	s.	PROPN
fsr-4052	226	8	j.	j.	PROPN
fsr-4052	226	9	,	,	PUNCT
fsr-4052	226	10	&	&	CCONJ
fsr-4052	226	11	stephens	stephens	PROPN
fsr-4052	226	12	,	,	PUNCT
fsr-4052	226	13	m.	m.	NOUN
fsr-4052	226	14	(	(	PUNCT
fsr-4052	226	15	2007	2007	NUM
fsr-4052	226	16	)	)	PUNCT
fsr-4052	226	17	.	.	PUNCT
fsr-4052	227	1	is	be	AUX
fsr-4052	227	2	there	there	PRON
fsr-4052	227	3	a	a	DET
fsr-4052	227	4	retirement	retirement	NOUN
fsr-4052	227	5	-	-	PUNCT
fsr-4052	227	6	consumption	consumption	NOUN
fsr-4052	227	7	puzzle	puzzle	NOUN
fsr-4052	227	8	?	?	PUNCT
fsr-4052	228	1	evidence	evidence	NOUN
fsr-4052	228	2	using	use	VERB
fsr-4052	228	3	subjective	subjective	ADJ
fsr-4052	228	4	retirement	retirement	NOUN
fsr-4052	228	5	expectations	expectation	NOUN
fsr-4052	228	6	.	.	PUNCT
fsr-4052	229	1	the	the	DET
fsr-4052	229	2	review	review	NOUN
fsr-4052	229	3	of	of	ADP
fsr-4052	229	4	economics	economic	NOUN
fsr-4052	229	5	and	and	CCONJ
fsr-4052	229	6	statistics	statistic	NOUN
fsr-4052	229	7	,	,	PUNCT
fsr-4052	229	8	89(2	89(2	NOUN
fsr-4052	229	9	)	)	PUNCT
fsr-4052	229	10	,	,	PUNCT
fsr-4052	229	11	247–264	247–264	NUM
fsr-4052	229	12	.	.	PUNCT
fsr-4052	230	1	https://doi.org/10.1162/rest.89.2.247	https://doi.org/10.1162/rest.89.2.247	NOUN
fsr-4052	230	2	hanspal	hanspal	NOUN
fsr-4052	230	3	,	,	PUNCT
fsr-4052	230	4	t.	t.	PROPN
fsr-4052	230	5	,	,	PUNCT
fsr-4052	230	6	weber	weber	PROPN
fsr-4052	230	7	,	,	PUNCT
fsr-4052	230	8	a.	a.	PROPN
fsr-4052	230	9	,	,	PUNCT
fsr-4052	230	10	&	&	CCONJ
fsr-4052	230	11	wohlfart	wohlfart	PROPN
fsr-4052	230	12	,	,	PUNCT
fsr-4052	230	13	j.	j.	PROPN
fsr-4052	230	14	(	(	PUNCT
fsr-4052	230	15	2021	2021	NUM
fsr-4052	230	16	)	)	PUNCT
fsr-4052	230	17	.	.	PUNCT
fsr-4052	231	1	exposure	exposure	NOUN
fsr-4052	231	2	to	to	ADP
fsr-4052	231	3	the	the	DET
fsr-4052	231	4	covid-19	covid-19	PROPN
fsr-4052	231	5	stock	stock	NOUN
fsr-4052	231	6	market	market	NOUN
fsr-4052	231	7	crash	crash	NOUN
fsr-4052	231	8	and	and	CCONJ
fsr-4052	231	9	its	its	PRON
fsr-4052	231	10	effect	effect	NOUN
fsr-4052	231	11	on	on	ADP
fsr-4052	231	12	household	household	NOUN
fsr-4052	231	13	expectations	expectation	NOUN
fsr-4052	231	14	.	.	PUNCT
fsr-4052	232	1	review	review	NOUN
fsr-4052	232	2	of	of	ADP
fsr-4052	232	3	economics	economic	NOUN
fsr-4052	232	4	and	and	CCONJ
fsr-4052	232	5	statistics	statistic	NOUN
fsr-4052	232	6	,	,	PUNCT
fsr-4052	232	7	103(5	103(5	NUM
fsr-4052	232	8	)	)	PUNCT
fsr-4052	232	9	,	,	PUNCT
fsr-4052	232	10	994–1010	994–1010	NUM
fsr-4052	232	11	.	.	PUNCT
fsr-4052	233	1	https://doi.org/10.1162/rest_a_00936	https://doi.org/10.1162/rest_a_00936	PROPN
fsr-4052	233	2	hanspal	hanspal	PROPN
fsr-4052	233	3	,	,	PUNCT
fsr-4052	233	4	t.	t.	PROPN
fsr-4052	233	5	,	,	PUNCT
fsr-4052	233	6	weber	weber	PROPN
fsr-4052	233	7	,	,	PUNCT
fsr-4052	233	8	a.	a.	PROPN
fsr-4052	233	9	,	,	PUNCT
fsr-4052	233	10	&	&	CCONJ
fsr-4052	233	11	wohlfart	wohlfart	PROPN
fsr-4052	233	12	,	,	PUNCT
fsr-4052	233	13	j.	j.	PROPN
fsr-4052	233	14	(	(	PUNCT
fsr-4052	233	15	2020	2020	NUM
fsr-4052	233	16	)	)	PUNCT
fsr-4052	233	17	.	.	PUNCT
fsr-4052	234	1	income	income	NOUN
fsr-4052	234	2	and	and	CCONJ
fsr-4052	234	3	wealth	wealth	NOUN
fsr-4052	234	4	shocks	shock	NOUN
fsr-4052	234	5	and	and	CCONJ
fsr-4052	234	6	expectations	expectation	NOUN
fsr-4052	234	7	during	during	ADP
fsr-4052	234	8	the	the	DET
fsr-4052	234	9	covid-19	covid-19	PROPN
fsr-4052	234	10	pandemic	pandemic	NOUN
fsr-4052	234	11	.	.	PUNCT
fsr-4052	235	1	cesifo	cesifo	PROPN
fsr-4052	235	2	working	working	PROPN
fsr-4052	235	3	paper	paper	NOUN
fsr-4052	235	4	(	(	PUNCT
fsr-4052	235	5	no	no	INTJ
fsr-4052	235	6	.	.	NOUN
fsr-4052	235	7	8244	8244	NUM
fsr-4052	235	8	)	)	PUNCT
fsr-4052	235	9	.	.	PUNCT
fsr-4052	236	1	center	center	NOUN
fsr-4052	236	2	for	for	ADP
fsr-4052	236	3	economic	economic	ADJ
fsr-4052	236	4	studies	study	NOUN
fsr-4052	236	5	and	and	CCONJ
fsr-4052	236	6	ifo	ifo	PROPN
fsr-4052	236	7	institute	institute	PROPN
fsr-4052	236	8	(	(	PUNCT
fsr-4052	236	9	cesifo	cesifo	PROPN
fsr-4052	236	10	)	)	PUNCT
fsr-4052	236	11	,	,	PUNCT
fsr-4052	236	12	munich	munich	PROPN
fsr-4052	236	13	.	.	PROPN
fsr-4052	236	14	montalto	montalto	PROPN
fsr-4052	236	15	,	,	PUNCT
fsr-4052	236	16	c.	c.	PROPN
fsr-4052	236	17	p.	p.	PROPN
fsr-4052	236	18	,	,	PUNCT
fsr-4052	236	19	yuh	yuh	PROPN
fsr-4052	236	20	,	,	PUNCT
fsr-4052	236	21	y.	y.	PROPN
fsr-4052	236	22	,	,	PUNCT
fsr-4052	236	23	&	&	CCONJ
fsr-4052	236	24	hanna	hanna	PROPN
fsr-4052	236	25	,	,	PUNCT
fsr-4052	236	26	s.	s.	PROPN
fsr-4052	236	27	(	(	PUNCT
fsr-4052	236	28	2000	2000	NUM
fsr-4052	236	29	)	)	PUNCT
fsr-4052	236	30	.	.	PUNCT
fsr-4052	237	1	determinants	determinant	NOUN
fsr-4052	237	2	of	of	ADP
fsr-4052	237	3	planned	plan	VERB
fsr-4052	237	4	retirement	retirement	NOUN
fsr-4052	237	5	age	age	NOUN
fsr-4052	237	6	.	.	PUNCT
fsr-4052	238	1	financial	financial	ADJ
fsr-4052	238	2	services	service	NOUN
fsr-4052	238	3	review	review	PROPN
fsr-4052	238	4	,	,	PUNCT
fsr-4052	238	5	9(1	9(1	NUM
fsr-4052	238	6	)	)	PUNCT
fsr-4052	238	7	,	,	PUNCT
fsr-4052	238	8	1–15	1–15	NUM
fsr-4052	238	9	.	.	PUNCT
fsr-4052	239	1	https://www.ebri.org/docs/default-source/rcs/2021-rcs/2021-rcs-summary-report.pdf	https://www.ebri.org/docs/default-source/rcs/2021-rcs/2021-rcs-summary-report.pdf	NOUN
fsr-4052	239	2	https://www.ebri.org/docs/default-source/rcs/2021-rcs/2021-rcs-summary-report.pdf	https://www.ebri.org/docs/default-source/rcs/2021-rcs/2021-rcs-summary-report.pdf	X
fsr-4052	239	3	https://www.ebri.org/docs/default-source/rcs/2021-rcs/2021-rcs-summary-report.pdf	https://www.ebri.org/docs/default-source/rcs/2021-rcs/2021-rcs-summary-report.pdf	X
fsr-4052	239	4	https://news.gallup.com/poll/210890/retirement-age-expectations-among-adults-record-high.aspx	https://news.gallup.com/poll/210890/retirement-age-expectations-among-adults-record-high.aspx	NOUN
fsr-4052	239	5	https://news.gallup.com/poll/210890/retirement-age-expectations-among-adults-record-high.aspx	https://news.gallup.com/poll/210890/retirement-age-expectations-among-adults-record-high.aspx	PROPN
fsr-4052	239	6	https://news.gallup.com/poll/210890/retirement-age-expectations-among-adults-record-high.aspx	https://news.gallup.com/poll/210890/retirement-age-expectations-among-adults-record-high.aspx	PROPN
fsr-4052	239	7	https://doi.org/10.1162/rest.89.2.247	https://doi.org/10.1162/rest.89.2.247	PROPN
fsr-4052	239	8	financial	financial	ADJ
fsr-4052	239	9	services	service	NOUN
fsr-4052	239	10	review	review	PROPN
fsr-4052	239	11	,	,	PUNCT
fsr-4052	239	12	33(1	33(1	NUM
fsr-4052	239	13	)	)	PUNCT
fsr-4052	239	14	45	45	NUM
fsr-4052	239	15	rutledge	rutledge	PROPN
fsr-4052	239	16	,	,	PUNCT
fsr-4052	239	17	m.	m.	NOUN
fsr-4052	239	18	,	,	PUNCT
fsr-4052	239	19	gillis	gillis	PROPN
fsr-4052	239	20	,	,	PUNCT
fsr-4052	239	21	c.	c.	PROPN
fsr-4052	239	22	,	,	PUNCT
fsr-4052	239	23	&	&	CCONJ
fsr-4052	239	24	webb	webb	PROPN
fsr-4052	239	25	,	,	PUNCT
fsr-4052	239	26	a.	a.	NOUN
fsr-4052	239	27	(	(	PUNCT
fsr-4052	239	28	2015	2015	NUM
fsr-4052	239	29	)	)	PUNCT
fsr-4052	239	30	.	.	PUNCT
fsr-4052	240	1	will	will	AUX
fsr-4052	240	2	the	the	DET
fsr-4052	240	3	average	average	ADJ
fsr-4052	240	4	retirement	retirement	NOUN
fsr-4052	240	5	age	age	NOUN
fsr-4052	240	6	continue	continue	VERB
fsr-4052	240	7	to	to	PART
fsr-4052	240	8	increase	increase	VERB
fsr-4052	240	9	?	?	PUNCT
fsr-4052	241	1	center	center	NOUN
fsr-4052	241	2	for	for	ADP
fsr-4052	241	3	retirement	retirement	NOUN
fsr-4052	241	4	research	research	NOUN
fsr-4052	241	5	working	working	NOUN
fsr-4052	241	6	paper	paper	NOUN
fsr-4052	241	7	(	(	PUNCT
fsr-4052	241	8	no	no	INTJ
fsr-4052	241	9	.	.	NOUN
fsr-4052	241	10	2015	2015	NUM
fsr-4052	241	11	-	-	SYM
fsr-4052	241	12	16	16	NUM
fsr-4052	241	13	)	)	PUNCT
fsr-4052	241	14	.	.	PUNCT
fsr-4052	242	1	https://crr.bc.edu/wpcontent/uploads/2015/07/wp_201516.pdf	https://crr.bc.edu/wpcontent/uploads/2015/07/wp_201516.pdf	PROPN
fsr-4052	242	2	szinovacz	szinovacz	NOUN
fsr-4052	242	3	,	,	PUNCT
fsr-4052	242	4	m.	m.	PROPN
fsr-4052	242	5	e.	e.	PROPN
fsr-4052	242	6	,	,	PUNCT
fsr-4052	242	7	martin	martin	PROPN
fsr-4052	242	8	,	,	PUNCT
fsr-4052	242	9	l.	l.	PROPN
fsr-4052	242	10	,	,	PUNCT
fsr-4052	242	11	&	&	CCONJ
fsr-4052	242	12	davey	davey	PROPN
fsr-4052	242	13	,	,	PUNCT
fsr-4052	242	14	a.	a.	NOUN
fsr-4052	242	15	(	(	PUNCT
fsr-4052	242	16	2014	2014	NUM
fsr-4052	242	17	)	)	PUNCT
fsr-4052	242	18	.	.	PUNCT
fsr-4052	243	1	recession	recession	NOUN
fsr-4052	243	2	and	and	CCONJ
fsr-4052	243	3	expected	expect	VERB
fsr-4052	243	4	retirement	retirement	NOUN
fsr-4052	243	5	age	age	NOUN
fsr-4052	243	6	:	:	PUNCT
fsr-4052	243	7	another	another	DET
fsr-4052	243	8	look	look	NOUN
fsr-4052	243	9	at	at	ADP
fsr-4052	243	10	the	the	DET
fsr-4052	243	11	evidence	evidence	NOUN
fsr-4052	243	12	.	.	PUNCT
fsr-4052	244	1	the	the	DET
fsr-4052	244	2	gerontologist	gerontologist	NOUN
fsr-4052	244	3	,	,	PUNCT
fsr-4052	244	4	54(2	54(2	NUM
fsr-4052	244	5	)	)	PUNCT
fsr-4052	244	6	,	,	PUNCT
fsr-4052	244	7	245257	245257	NUM
fsr-4052	244	8	.	.	PUNCT
fsr-4052	245	1	vanderhei	vanderhei	PROPN
fsr-4052	245	2	,	,	PUNCT
fsr-4052	245	3	j.	j.	PROPN
fsr-4052	245	4	(	(	PUNCT
fsr-4052	245	5	2022	2022	NUM
fsr-4052	245	6	)	)	PUNCT
fsr-4052	245	7	.	.	PUNCT
fsr-4052	246	1	impact	impact	NOUN
fsr-4052	246	2	of	of	ADP
fsr-4052	246	3	five	five	NUM
fsr-4052	246	4	legislative	legislative	ADJ
fsr-4052	246	5	proposals	proposal	NOUN
fsr-4052	246	6	and	and	CCONJ
fsr-4052	246	7	industry	industry	NOUN
fsr-4052	246	8	innovations	innovation	NOUN
fsr-4052	246	9	on	on	ADP
fsr-4052	246	10	retirement	retirement	NOUN
fsr-4052	246	11	income	income	NOUN
fsr-4052	246	12	adequacy	adequacy	NOUN
fsr-4052	246	13	.	.	PUNCT
fsr-4052	247	1	employee	employee	NOUN
fsr-4052	247	2	benefit	benefit	PROPN
fsr-4052	247	3	research	research	PROPN
fsr-4052	247	4	institute	institute	NOUN
fsr-4052	247	5	.	.	PUNCT
fsr-4052	248	1	appendixes	appendix	NOUN
fsr-4052	248	2	appendix	appendix	VERB
fsr-4052	248	3	table	table	NOUN
fsr-4052	248	4	1	1	NUM
fsr-4052	248	5	.	.	PUNCT
fsr-4052	248	6	ols	ol	NOUN
fsr-4052	248	7	on	on	ADP
fsr-4052	248	8	expected	expect	VERB
fsr-4052	248	9	retirement	retirement	NOUN
fsr-4052	248	10	age	age	NOUN
fsr-4052	248	11	(	(	PUNCT
fsr-4052	248	12	hrs	hrs	NOUN
fsr-4052	248	13	data	datum	NOUN
fsr-4052	248	14	2020	2020	NUM
fsr-4052	248	15	)	)	PUNCT
fsr-4052	248	16	ordinary	ordinary	ADJ
fsr-4052	248	17	least	least	ADJ
fsr-4052	248	18	squares	square	NOUN
fsr-4052	248	19	(	(	PUNCT
fsr-4052	248	20	ols	ol	NOUN
fsr-4052	248	21	)	)	PUNCT
fsr-4052	248	22	on	on	ADP
fsr-4052	248	23	expected	expect	VERB
fsr-4052	248	24	retirement	retirement	NOUN
fsr-4052	248	25	age	age	NOUN
fsr-4052	248	26	expected	expect	VERB
fsr-4052	248	27	retirement	retirement	NOUN
fsr-4052	248	28	age	age	NOUN
fsr-4052	248	29	ols	ol	NOUN
fsr-4052	248	30	results	result	VERB
fsr-4052	248	31	age	age	NOUN
fsr-4052	248	32	in	in	ADP
fsr-4052	248	33	2020	2020	NUM
fsr-4052	248	34	0.486	0.486	NUM
fsr-4052	248	35	*	*	PUNCT
fsr-4052	248	36	*	*	PUNCT
fsr-4052	248	37	*	*	PUNCT
fsr-4052	248	38	-0.0232	-0.0232	NOUN
fsr-4052	248	39	female	female	ADJ
fsr-4052	248	40	-0.0799	-0.0799	NOUN
fsr-4052	248	41	-0.3335	-0.3335	NOUN
fsr-4052	248	42	married	marry	VERB
fsr-4052	248	43	0.38	0.38	NUM
fsr-4052	248	44	9	9	NUM
fsr-4052	248	45	-0.3312	-0.3312	NOUN
fsr-4052	248	46	education	education	NOUN
fsr-4052	248	47	years	year	NOUN
fsr-4052	248	48	in	in	ADP
fsr-4052	248	49	2020	2020	NUM
fsr-4052	248	50	0.0814	0.0814	NUM
fsr-4052	248	51	-0.0518	-0.0518	PROPN
fsr-4052	248	52	work	work	NOUN
fsr-4052	248	53	affected	affect	VERB
fsr-4052	248	54	(	(	PUNCT
fsr-4052	248	55	yes=1	yes=1	INTJ
fsr-4052	248	56	,	,	PUNCT
fsr-4052	248	57	no-0	no-0	NUM
fsr-4052	248	58	)	)	PUNCT
fsr-4052	248	59	-0.134	-0.134	NOUN
fsr-4052	248	60	-0.3341	-0.3341	X
fsr-4052	249	1	n	n	CCONJ
fsr-4052	249	2	1,05	1,05	NUM
fsr-4052	249	3	6	6	NUM
fsr-4052	249	4	standard	standard	ADJ
fsr-4052	249	5	errors	error	NOUN
fsr-4052	249	6	in	in	ADP
fsr-4052	249	7	parentheses	parenthesis	NOUN
fsr-4052	249	8	*	*	PUNCT
fsr-4052	249	9	p	p	X
fsr-4052	249	10	<	<	X
fsr-4052	249	11	0.05	0.05	NUM
fsr-4052	249	12	,	,	PUNCT
fsr-4052	249	13	*	*	PUNCT
fsr-4052	249	14	*	*	PUNCT
fsr-4052	249	15	p	p	X
fsr-4052	249	16	<	<	X
fsr-4052	249	17	0.01	0.01	NUM
fsr-4052	249	18	,	,	PUNCT
fsr-4052	249	19	*	*	PUNCT
fsr-4052	249	20	*	*	PUNCT
fsr-4052	249	21	*	*	PUNCT
fsr-4052	249	22	p	p	X
fsr-4052	249	23	<	<	X
fsr-4052	249	24	0.001	0.001	NUM
fsr-4052	249	25	liu	liu	PROPN
fsr-4052	249	26	et	et	PROPN
fsr-4052	249	27	al	al	PROPN
fsr-4052	249	28	.	.	PROPN
fsr-4052	249	29	46	46	NUM
fsr-4052	249	30	appendix	appendix	ADJ
fsr-4052	249	31	table	table	NOUN
fsr-4052	249	32	2	2	NUM
fsr-4052	249	33	.	.	PUNCT
fsr-4052	249	34	did	do	AUX
fsr-4052	249	35	on	on	ADP
fsr-4052	249	36	expected	expect	VERB
fsr-4052	249	37	retirement	retirement	NOUN
fsr-4052	249	38	age	age	NOUN
fsr-4052	249	39	(	(	PUNCT
fsr-4052	249	40	hrs	hrs	NOUN
fsr-4052	249	41	data	datum	NOUN
fsr-4052	249	42	2018	2018	NUM
fsr-4052	249	43	&	&	CCONJ
fsr-4052	249	44	2020	2020	NUM
fsr-4052	249	45	)	)	PUNCT
fsr-4052	249	46	difference	difference	NOUN
fsr-4052	249	47	-	-	PUNCT
fsr-4052	249	48	in	in	ADP
fsr-4052	249	49	-	-	PUNCT
fsr-4052	249	50	difference	difference	NOUN
fsr-4052	249	51	(	(	PUNCT
fsr-4052	249	52	did	do	AUX
fsr-4052	249	53	)	)	PUNCT
fsr-4052	249	54	on	on	ADP
fsr-4052	249	55	expected	expect	VERB
fsr-4052	249	56	retirement	retirement	NOUN
fsr-4052	249	57	age	age	NOUN
fsr-4052	249	58	outcome	outcome	NOUN
fsr-4052	249	59	age	age	NOUN
fsr-4052	249	60	of	of	ADP
fsr-4052	249	61	expected	expect	VERB
fsr-4052	249	62	variable	variable	ADJ
fsr-4052	249	63	social	social	ADJ
fsr-4052	249	64	security	security	NOUN
fsr-4052	249	65	standard	standard	NOUN
fsr-4052	249	66	error	error	NOUN
fsr-4052	249	67	|t|	|t|	NOUN
fsr-4052	249	68	p>|t|	p>|t|	NOUN
fsr-4052	249	69	income	income	NOUN
fsr-4052	249	70	before	before	ADP
fsr-4052	249	71	control	control	NOUN
fsr-4052	249	72	68.776	68.776	NUM
fsr-4052	249	73	treated	treat	VERB
fsr-4052	249	74	68.666	68.666	NUM
fsr-4052	249	75	diff	diff	NOUN
fsr-4052	249	76	(	(	PUNCT
fsr-4052	249	77	t	t	PROPN
fsr-4052	249	78	-	-	PUNCT
fsr-4052	249	79	c	c	NOUN
fsr-4052	249	80	)	)	PUNCT
fsr-4052	249	81	-0.11	-0.11	NOUN
fsr-4052	249	82	0.379	0.379	NUM
fsr-4052	249	83	-0.29	-0.29	NUM
fsr-4052	249	84	0.772	0.772	NUM
fsr-4052	249	85	after	after	ADP
fsr-4052	249	86	control	control	NOUN
fsr-4052	249	87	69.015	69.015	NUM
fsr-4052	249	88	treated	treat	VERB
fsr-4052	249	89	69.098	69.098	NUM
fsr-4052	249	90	diff	diff	NOUN
fsr-4052	249	91	(	(	PUNCT
fsr-4052	249	92	t	t	PROPN
fsr-4052	249	93	-	-	PUNCT
fsr-4052	249	94	c	c	NOUN
fsr-4052	249	95	)	)	PUNCT
fsr-4052	249	96	0.084	0.084	NUM
fsr-4052	249	97	0.39	0.39	NUM
fsr-4052	249	98	0.21	0.21	NUM
fsr-4052	249	99	0.83	0.83	NUM
fsr-4052	249	100	diff	diff	NOUN
fsr-4052	249	101	-	-	PUNCT
fsr-4052	249	102	in	in	ADP
fsr-4052	249	103	-	-	PUNCT
fsr-4052	249	104	diff	diff	NOUN
fsr-4052	249	105	0.193	0.193	NUM
fsr-4052	249	106	0.544	0.544	NUM
fsr-4052	249	107	0.36	0.36	NUM
fsr-4052	249	108	0.722	0.722	NUM
fsr-4052	249	109	number	number	NOUN
fsr-4052	249	110	of	of	ADP
fsr-4052	249	111	observations	observation	NOUN
fsr-4052	249	112	in	in	ADP
fsr-4052	249	113	the	the	DET
fsr-4052	249	114	diff	diff	NOUN
fsr-4052	249	115	-	-	PUNCT
fsr-4052	249	116	in	in	ADP
fsr-4052	249	117	-	-	PUNCT
fsr-4052	249	118	diff	diff	NOUN
fsr-4052	249	119	:	:	PUNCT
fsr-4052	249	120	2,199	2,199	NUM
fsr-4052	249	121	before	before	ADV
fsr-4052	249	122	after	after	ADP
fsr-4052	249	123	control	control	NOUN
fsr-4052	249	124	:	:	PUNCT
fsr-4052	249	125	442	442	NUM
fsr-4052	249	126	406	406	NUM
fsr-4052	249	127	848	848	NUM
fsr-4052	249	128	treated	treat	VERB
fsr-4052	249	129	:	:	PUNCT
fsr-4052	249	130	680	680	NUM
fsr-4052	249	131	671	671	NUM
fsr-4052	249	132	1,351	1,351	NUM
fsr-4052	249	133	1,122	1,122	NUM
fsr-4052	249	134	1,077	1,077	NUM
fsr-4052	249	135	financial	financial	ADJ
fsr-4052	249	136	services	service	NOUN
fsr-4052	249	137	review	review	NOUN
fsr-4052	249	138	,	,	PUNCT
fsr-4052	249	139	33(1	33(1	NUM
fsr-4052	249	140	)	)	PUNCT
fsr-4052	249	141	47	47	NUM
fsr-4052	249	142	appendix	appendix	ADJ
fsr-4052	249	143	table	table	NOUN
fsr-4052	249	144	3	3	NUM
fsr-4052	249	145	.	.	PUNCT
fsr-4052	250	1	ols	ol	NOUN
fsr-4052	250	2	expected	expect	VERB
fsr-4052	250	3	retirement	retirement	NOUN
fsr-4052	250	4	age	age	NOUN
fsr-4052	250	5	(	(	PUNCT
fsr-4052	250	6	prudential	prudential	PROPN
fsr-4052	250	7	data	data	PROPN
fsr-4052	250	8	2018	2018	NUM
fsr-4052	250	9	-2021	-2021	NOUN
fsr-4052	250	10	)	)	PUNCT
fsr-4052	250	11	40	40	NUM
fsr-4052	250	12	49	49	NUM
fsr-4052	250	13	50	50	NUM
fsr-4052	250	14	59	59	NUM
fsr-4052	250	15	60	60	NUM
fsr-4052	250	16	69	69	NUM
fsr-4052	250	17	estimate	estimate	NOUN
fsr-4052	250	18	std	std	NOUN
fsr-4052	250	19	.	.	NOUN
fsr-4052	250	20	error	error	NOUN
fsr-4052	250	21	t	t	NOUN
fsr-4052	250	22	value	value	NOUN
fsr-4052	250	23	estimate	estimate	NOUN
fsr-4052	250	24	std	std	NOUN
fsr-4052	250	25	.	.	NOUN
fsr-4052	250	26	error	error	NOUN
fsr-4052	250	27	t	t	NOUN
fsr-4052	250	28	value	value	NOUN
fsr-4052	250	29	estimate	estimate	NOUN
fsr-4052	250	30	std	std	NOUN
fsr-4052	250	31	.	.	NOUN
fsr-4052	250	32	error	error	NOUN
fsr-4052	250	33	t	t	NOUN
fsr-4052	250	34	value	value	NOUN
fsr-4052	250	35	(	(	PUNCT
fsr-4052	250	36	intercept	intercept	NOUN
fsr-4052	250	37	)	)	PUNCT
fsr-4052	250	38	51.88	51.88	NUM
fsr-4052	250	39	6.02	6.02	NUM
fsr-4052	250	40	8.61	8.61	NUM
fsr-4052	250	41	*	*	PUNCT
fsr-4052	250	42	*	*	PUNCT
fsr-4052	251	1	*	*	PUNCT
fsr-4052	251	2	102.21	102.21	NUM
fsr-4052	251	3	6.22	6.22	NUM
fsr-4052	251	4	16.44	16.44	NUM
fsr-4052	251	5	*	*	PUNCT
fsr-4052	251	6	*	*	PUNCT
fsr-4052	252	1	*	*	PUNCT
fsr-4052	252	2	203.29	203.29	NUM
fsr-4052	252	3	6.55	6.55	NUM
fsr-4052	252	4	31.02	31.02	NUM
fsr-4052	252	5	*	*	PUNCT
fsr-4052	252	6	*	*	PUNCT
fsr-4052	252	7	*	*	PUNCT
fsr-4052	252	8	age	age	NOUN
fsr-4052	252	9	1.24	1.24	NUM
fsr-4052	252	10	0.27	0.27	NUM
fsr-4052	252	11	4.58	4.58	NUM
fsr-4052	252	12	*	*	PUNCT
fsr-4052	253	1	*	*	PUNCT
fsr-4052	253	2	*	*	PUNCT
fsr-4052	253	3	-1.16	-1.16	NUM
fsr-4052	253	4	0.23	0.23	NUM
fsr-4052	253	5	-5.10	-5.10	NUM
fsr-4052	253	6	*	*	PUNCT
fsr-4052	253	7	*	*	PUNCT
fsr-4052	253	8	*	*	PUNCT
fsr-4052	253	9	-5.00	-5.00	NUM
fsr-4052	253	10	0.20	0.20	NUM
fsr-4052	253	11	-24.48	-24.48	PROPN
fsr-4052	253	12	*	*	PUNCT
fsr-4052	253	13	*	*	PUNCT
fsr-4052	253	14	*	*	PUNCT
fsr-4052	253	15	age_sq	age_sq	PROPN
fsr-4052	253	16	-0.01	-0.01	NUM
fsr-4052	253	17	0.00	0.00	NUM
fsr-4052	253	18	-4.53	-4.53	NOUN
fsr-4052	253	19	*	*	PUNCT
fsr-4052	253	20	*	*	PUNCT
fsr-4052	254	1	*	*	PUNCT
fsr-4052	254	2	0.01	0.01	NUM
fsr-4052	254	3	0.00	0.00	NUM
fsr-4052	254	4	5.57	5.57	NUM
fsr-4052	254	5	*	*	PUNCT
fsr-4052	255	1	*	*	PUNCT
fsr-4052	256	1	*	*	PUNCT
fsr-4052	256	2	0.04	0.04	NUM
fsr-4052	256	3	0.00	0.00	NUM
fsr-4052	256	4	27.60	27.60	NUM
fsr-4052	256	5	*	*	PUNCT
fsr-4052	256	6	*	*	PUNCT
fsr-4052	256	7	*	*	PUNCT
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fsr-4052	256	10	0.04	0.04	NUM
fsr-4052	256	11	-28.02	-28.02	PROPN
fsr-4052	257	1	*	*	PUNCT
fsr-4052	257	2	*	*	PUNCT
fsr-4052	257	3	*	*	PUNCT
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fsr-4052	257	5	0.03	0.03	NUM
fsr-4052	257	6	-26.15	-26.15	PROPN
fsr-4052	257	7	*	*	PUNCT
fsr-4052	257	8	*	*	PUNCT
fsr-4052	258	1	*	*	PUNCT
fsr-4052	258	2	0.32	0.32	NUM
fsr-4052	258	3	0.02	0.02	NUM
fsr-4052	258	4	14.24	14.24	NUM
fsr-4052	258	5	*	*	PUNCT
fsr-4052	259	1	*	*	PUNCT
fsr-4052	259	2	*	*	PUNCT
fsr-4052	259	3	married	marry	VERB
fsr-4052	259	4	-0.15	-0.15	NUM
fsr-4052	259	5	0.05	0.05	NUM
fsr-4052	259	6	-2.83	-2.83	PROPN
fsr-4052	259	7	*	*	PUNCT
fsr-4052	260	1	*	*	PUNCT
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fsr-4052	260	3	0.04	0.04	NUM
fsr-4052	260	4	-11.09	-11.09	PUNCT
fsr-4052	261	1	*	*	PUNCT
fsr-4052	261	2	*	*	PUNCT
fsr-4052	261	3	*	*	PUNCT
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fsr-4052	261	5	0.03	0.03	NUM
fsr-4052	261	6	-18.27	-18.27	PROPN
fsr-4052	261	7	*	*	PUNCT
fsr-4052	261	8	*	*	PUNCT
fsr-4052	261	9	*	*	PUNCT
fsr-4052	261	10	male	male	NOUN
fsr-4052	261	11	-0.73	-0.73	NUM
fsr-4052	261	12	0.05	0.05	NUM
fsr-4052	262	1	-15.84	-15.84	PUNCT
fsr-4052	262	2	*	*	PUNCT
fsr-4052	263	1	*	*	PUNCT
fsr-4052	263	2	*	*	PUNCT
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fsr-4052	263	4	0.03	0.03	NUM
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fsr-4052	263	6	*	*	PUNCT
fsr-4052	263	7	*	*	PUNCT
fsr-4052	263	8	*	*	PUNCT
fsr-4052	263	9	-0.10	-0.10	NUM
fsr-4052	263	10	0.03	0.03	NUM
fsr-4052	263	11	-3.81	-3.81	NUM
fsr-4052	264	1	*	*	PUNCT
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fsr-4052	264	3	*	*	PUNCT
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fsr-4052	264	6	0.28	0.28	NUM
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fsr-4052	264	8	*	*	PUNCT
fsr-4052	264	9	*	*	PUNCT
fsr-4052	265	1	*	*	PUNCT
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fsr-4052	265	3	0.20	0.20	NUM
fsr-4052	265	4	-3.74	-3.74	NUM
fsr-4052	265	5	*	*	PUNCT
fsr-4052	265	6	*	*	PUNCT
fsr-4052	265	7	*	*	PUNCT
fsr-4052	265	8	-0.05	-0.05	NUM
fsr-4052	265	9	0.18	0.18	NUM
fsr-4052	265	10	-0.26	-0.26	NOUN
fsr-4052	265	11	mon_2018_8	mon_2018_8	PROPN
fsr-4052	265	12	-2.76	-2.76	NUM
fsr-4052	265	13	0.37	0.37	NUM
fsr-4052	265	14	-7.40	-7.40	NOUN
fsr-4052	265	15	*	*	PUNCT
fsr-4052	265	16	*	*	PUNCT
fsr-4052	266	1	*	*	PUNCT
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fsr-4052	266	5	*	*	PUNCT
fsr-4052	266	6	0.47	0.47	NUM
fsr-4052	266	7	0.19	0.19	NUM
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fsr-4052	266	9	*	*	PUNCT
fsr-4052	267	1	mon_2018_9	mon_2018_9	NOUN
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fsr-4052	268	1	*	*	PUNCT
fsr-4052	268	2	*	*	PUNCT
fsr-4052	268	3	*	*	PUNCT
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fsr-4052	268	5	0.25	0.25	NUM
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fsr-4052	268	7	*	*	NOUN
fsr-4052	268	8	*	*	PUNCT
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fsr-4052	268	10	0.21	0.21	NUM
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fsr-4052	268	12	mon_2018_10	mon_2018_10	NOUN
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fsr-4052	268	14	0.29	0.29	NUM
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fsr-4052	268	16	*	*	PUNCT
fsr-4052	269	1	*	*	PUNCT
fsr-4052	269	2	*	*	PUNCT
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fsr-4052	269	4	0.22	0.22	NUM
fsr-4052	269	5	-0.50	-0.50	NUM
fsr-4052	269	6	0.35	0.35	NUM
fsr-4052	269	7	0.19	0.19	NUM
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fsr-4052	269	9	.	.	PUNCT
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fsr-4052	271	3	*	*	PUNCT
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fsr-4052	271	5	0.19	0.19	NUM
fsr-4052	271	6	-4.36	-4.36	NOUN
fsr-4052	271	7	*	*	PUNCT
fsr-4052	271	8	*	*	PUNCT
fsr-4052	272	1	*	*	PUNCT
fsr-4052	272	2	0.12	0.12	NUM
fsr-4052	272	3	0.17	0.17	NUM
fsr-4052	272	4	0.71	0.71	NUM
fsr-4052	272	5	mon_2018_12	mon_2018_12	NOUN
fsr-4052	272	6	-2.80	-2.80	NUM
fsr-4052	272	7	0.28	0.28	NUM
fsr-4052	272	8	-9.98	-9.98	NUM
fsr-4052	272	9	*	*	PUNCT
fsr-4052	272	10	*	*	PUNCT
fsr-4052	273	1	*	*	PUNCT
fsr-4052	273	2	-1.02	-1.02	NUM
fsr-4052	273	3	0.21	0.21	NUM
fsr-4052	273	4	-4.84	-4.84	NUM
fsr-4052	273	5	*	*	PUNCT
fsr-4052	273	6	*	*	PUNCT
fsr-4052	273	7	*	*	PUNCT
fsr-4052	273	8	-0.20	-0.20	NUM
fsr-4052	273	9	0.18	0.18	NUM
fsr-4052	273	10	-1.09	-1.09	X
fsr-4052	273	11	mon_2019_1	mon_2019_1	X
fsr-4052	273	12	-2.65	-2.65	NUM
fsr-4052	273	13	0.21	0.21	NUM
fsr-4052	273	14	-12.33	-12.33	PUNCT
fsr-4052	274	1	*	*	PUNCT
fsr-4052	274	2	*	*	PUNCT
fsr-4052	274	3	*	*	PUNCT
fsr-4052	274	4	-0.43	-0.43	NUM
fsr-4052	274	5	0.17	0.17	NUM
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fsr-4052	274	7	*	*	PUNCT
fsr-4052	275	1	0.41	0.41	NUM
fsr-4052	275	2	0.15	0.15	NUM
fsr-4052	275	3	2.68	2.68	NUM
fsr-4052	275	4	*	*	PUNCT
fsr-4052	276	1	*	*	PUNCT
fsr-4052	276	2	mon_2019_2	mon_2019_2	PRON
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fsr-4052	277	1	*	*	PUNCT
fsr-4052	277	2	*	*	PUNCT
fsr-4052	277	3	*	*	PUNCT
fsr-4052	277	4	-0.87	-0.87	NUM
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fsr-4052	329	5	0.18	0.18	NUM
fsr-4052	329	6	-4.76	-4.76	NUM
fsr-4052	330	1	*	*	PUNCT
fsr-4052	330	2	*	*	PUNCT
fsr-4052	330	3	*	*	PUNCT
fsr-4052	330	4	-0.17	-0.17	NUM
fsr-4052	330	5	0.15	0.15	NUM
fsr-4052	330	6	-1.09	-1.09	PROPN
fsr-4052	330	7	mon_2021_3	mon_2021_3	NOUN
fsr-4052	330	8	-2.79	-2.79	NUM
fsr-4052	330	9	0.23	0.23	NUM
fsr-4052	330	10	-12.28	-12.28	PUNCT
fsr-4052	331	1	*	*	PUNCT
fsr-4052	331	2	*	*	PUNCT
fsr-4052	331	3	*	*	PUNCT
fsr-4052	331	4	-0.76	-0.76	NUM
fsr-4052	331	5	0.18	0.18	NUM
fsr-4052	331	6	-4.26	-4.26	NUM
fsr-4052	331	7	*	*	PUNCT
fsr-4052	331	8	*	*	PUNCT
fsr-4052	331	9	*	*	PUNCT
fsr-4052	331	10	-0.21	-0.21	NUM
fsr-4052	331	11	0.16	0.16	NUM
fsr-4052	331	12	-1.34	-1.34	NOUN
fsr-4052	331	13	mon_2021_4	mon_2021_4	NOUN
fsr-4052	331	14	-3.17	-3.17	NUM
fsr-4052	331	15	0.22	0.22	NUM
fsr-4052	332	1	-14.13	-14.13	PUNCT
fsr-4052	332	2	*	*	PUNCT
fsr-4052	332	3	*	*	PUNCT
fsr-4052	332	4	*	*	PUNCT
fsr-4052	332	5	-1.05	-1.05	NUM
fsr-4052	332	6	0.17	0.17	NUM
fsr-4052	332	7	-6.04	-6.04	NUM
fsr-4052	332	8	*	*	PUNCT
fsr-4052	332	9	*	*	PUNCT
fsr-4052	332	10	*	*	PUNCT
fsr-4052	332	11	-0.11	-0.11	NUM
fsr-4052	332	12	0.16	0.16	NUM
fsr-4052	332	13	-0.68	-0.68	NOUN
fsr-4052	332	14	mon_2021_5	mon_2021_5	NOUN
fsr-4052	332	15	-2.79	-2.79	NUM
fsr-4052	332	16	0.26	0.26	NUM
fsr-4052	332	17	-10.76	-10.76	PROPN
fsr-4052	333	1	*	*	PUNCT
fsr-4052	333	2	*	*	PUNCT
fsr-4052	333	3	*	*	PUNCT
fsr-4052	333	4	-0.90	-0.90	NUM
fsr-4052	333	5	0.20	0.20	NUM
fsr-4052	333	6	-4.44	-4.44	NOUN
fsr-4052	333	7	*	*	PUNCT
fsr-4052	333	8	*	*	PUNCT
fsr-4052	333	9	*	*	PUNCT
fsr-4052	333	10	-0.31	-0.31	NUM
fsr-4052	333	11	0.17	0.17	NUM
fsr-4052	333	12	-1.78	-1.78	NOUN
fsr-4052	333	13	.	.	PUNCT
fsr-4052	334	1	mon_2021_6	mon_2021_6	PROPN
fsr-4052	334	2	-2.97	-2.97	PROPN
fsr-4052	334	3	0.27	0.27	NUM
fsr-4052	334	4	-10.87	-10.87	PUNCT
fsr-4052	334	5	*	*	PUNCT
fsr-4052	334	6	*	*	PUNCT
fsr-4052	334	7	*	*	PUNCT
fsr-4052	334	8	-0.64	-0.64	NUM
fsr-4052	334	9	0.22	0.22	NUM
fsr-4052	334	10	-2.96	-2.96	NOUN
fsr-4052	334	11	*	*	PUNCT
fsr-4052	334	12	*	*	PUNCT
fsr-4052	334	13	0.28	0.28	NUM
fsr-4052	334	14	0.20	0.20	NUM
fsr-4052	334	15	1.44	1.44	NUM
fsr-4052	334	16	mon_2021_7	mon_2021_7	NOUN
fsr-4052	334	17	-2.58	-2.58	VERB
fsr-4052	334	18	0.26	0.26	NUM
fsr-4052	334	19	-9.81	-9.81	NUM
fsr-4052	334	20	*	*	PUNCT
fsr-4052	334	21	*	*	PUNCT
fsr-4052	334	22	*	*	PUNCT
fsr-4052	334	23	-0.77	-0.77	NUM
fsr-4052	334	24	0.21	0.21	NUM
fsr-4052	334	25	-3.72	-3.72	NOUN
fsr-4052	334	26	*	*	PUNCT
fsr-4052	334	27	*	*	PUNCT
fsr-4052	335	1	*	*	PUNCT
fsr-4052	335	2	0.11	0.11	NUM
fsr-4052	335	3	0.18	0.18	NUM
fsr-4052	335	4	0.62	0.62	NUM
fsr-4052	335	5	mon_2021_8	mon_2021_8	NOUN
fsr-4052	335	6	-2.92	-2.92	NOUN
fsr-4052	335	7	0.26	0.26	NUM
fsr-4052	335	8	-11.09	-11.09	PUNCT
fsr-4052	336	1	*	*	PUNCT
fsr-4052	336	2	*	*	PUNCT
fsr-4052	336	3	*	*	PUNCT
fsr-4052	336	4	-0.71	-0.71	NOUN
fsr-4052	336	5	0.21	0.21	NUM
fsr-4052	336	6	-3.43	-3.43	NOUN
fsr-4052	336	7	*	*	PUNCT
fsr-4052	336	8	*	*	PUNCT
fsr-4052	336	9	*	*	PUNCT
fsr-4052	336	10	0.24	0.24	NUM
fsr-4052	336	11	0.18	0.18	NUM
fsr-4052	336	12	1.29	1.29	NUM
fsr-4052	336	13	mon_2021_9	mon_2021_9	NOUN
fsr-4052	336	14	-2.77	-2.77	NUM
fsr-4052	336	15	0.27	0.27	NUM
fsr-4052	336	16	-10.41	-10.41	PUNCT
fsr-4052	337	1	*	*	PUNCT
fsr-4052	337	2	*	*	PUNCT
fsr-4052	337	3	*	*	PUNCT
fsr-4052	337	4	-0.85	-0.85	NOUN
fsr-4052	337	5	0.21	0.21	NUM
fsr-4052	337	6	-4.04	-4.04	NOUN
fsr-4052	337	7	*	*	PUNCT
fsr-4052	338	1	*	*	PUNCT
fsr-4052	338	2	*	*	PUNCT
fsr-4052	338	3	0.13	0.13	NUM
fsr-4052	338	4	0.19	0.19	NUM
fsr-4052	338	5	0.70	0.70	NUM
fsr-4052	338	6	mon_2021_10	mon_2021_10	NOUN
fsr-4052	338	7	-3.43	-3.43	NOUN
fsr-4052	338	8	0.26	0.26	NUM
fsr-4052	338	9	-13.18	-13.18	PUNCT
fsr-4052	339	1	*	*	PUNCT
fsr-4052	339	2	*	*	PUNCT
fsr-4052	339	3	*	*	PUNCT
fsr-4052	339	4	-1.01	-1.01	NUM
fsr-4052	339	5	0.20	0.20	NUM
fsr-4052	339	6	-5.00	-5.00	NOUN
fsr-4052	339	7	*	*	PUNCT
fsr-4052	340	1	*	*	PUNCT
fsr-4052	340	2	*	*	PUNCT
fsr-4052	340	3	0.06	0.06	NUM
fsr-4052	340	4	0.18	0.18	NUM
fsr-4052	340	5	0.31	0.31	NUM
fsr-4052	340	6	mon_2021_11	mon_2021_11	VERB
fsr-4052	340	7	-2.53	-2.53	NOUN
fsr-4052	340	8	0.26	0.26	NUM
fsr-4052	340	9	-9.72	-9.72	NOUN
fsr-4052	340	10	*	*	PUNCT
fsr-4052	340	11	*	*	PUNCT
fsr-4052	341	1	*	*	PUNCT
fsr-4052	341	2	-1.14	-1.14	PRON
fsr-4052	341	3	0.20	0.20	NUM
fsr-4052	341	4	-5.66	-5.66	PRON
fsr-4052	341	5	*	*	PUNCT
fsr-4052	341	6	*	*	PUNCT
fsr-4052	341	7	*	*	PUNCT
fsr-4052	341	8	-0.03	-0.03	NUM
fsr-4052	341	9	0.18	0.18	NUM
fsr-4052	341	10	-0.17	-0.17	PROPN
fsr-4052	341	11	mon_2021_12	mon_2021_12	PROPN
fsr-4052	341	12	-2.41	-2.41	NUM
fsr-4052	341	13	1.05	1.05	NUM
fsr-4052	341	14	-2.28	-2.28	NOUN
fsr-4052	342	1	*	*	PUNCT
fsr-4052	342	2	-0.60	-0.60	NUM
fsr-4052	342	3	0.71	0.71	NUM
fsr-4052	342	4	-0.84	-0.84	NUM
fsr-4052	342	5	-0.78	-0.78	NUM
fsr-4052	342	6	0.62	0.62	NUM
fsr-4052	342	7	-1.26	-1.26	NUM
fsr-4052	342	8	financial	financial	ADJ
fsr-4052	342	9	services	service	NOUN
fsr-4052	342	10	review	review	NOUN
fsr-4052	342	11	,	,	PUNCT
fsr-4052	342	12	33(1	33(1	NUM
fsr-4052	342	13	)	)	PUNCT
fsr-4052	342	14	49	49	NUM
fsr-4052	342	15	appendix	appendix	ADJ
fsr-4052	342	16	figure	figure	NOUN
fsr-4052	342	17	1	1	NUM
fsr-4052	342	18	.	.	PUNCT
fsr-4052	343	1	average	average	ADJ
fsr-4052	343	2	gaps	gap	NOUN
fsr-4052	343	3	between	between	ADP
fsr-4052	343	4	actual	actual	ADJ
fsr-4052	343	5	and	and	CCONJ
fsr-4052	343	6	expected	expect	VERB
fsr-4052	343	7	retirement	retirement	NOUN
fsr-4052	343	8	ages	age	NOUN
fsr-4052	343	9	across	across	ADP
fsr-4052	343	10	age	age	NOUN
fsr-4052	343	11	groups	group	NOUN
fsr-4052	343	12	note	note	VERB
fsr-4052	343	13	:	:	PUNCT
fsr-4052	343	14	after	after	ADP
fsr-4052	343	15	temporarily	temporarily	ADV
fsr-4052	343	16	releasing	release	VERB
fsr-4052	343	17	the	the	DET
fsr-4052	343	18	age	age	NOUN
fsr-4052	343	19	restriction	restriction	NOUN
fsr-4052	343	20	to	to	ADP
fsr-4052	343	21	70	70	NUM
fsr-4052	343	22	instead	instead	ADV
fsr-4052	343	23	of	of	ADP
fsr-4052	343	24	60	60	NUM
fsr-4052	343	25	,	,	PUNCT
fsr-4052	343	26	the	the	DET
fsr-4052	343	27	number	number	NOUN
fsr-4052	343	28	of	of	ADP
fsr-4052	343	29	primary	primary	ADJ
fsr-4052	343	30	respondents	respondent	NOUN
fsr-4052	343	31	represented	represent	VERB
fsr-4052	343	32	in	in	ADP
fsr-4052	343	33	this	this	DET
fsr-4052	343	34	chart	chart	NOUN
fsr-4052	343	35	is	be	AUX
fsr-4052	343	36	4,186	4,186	NUM
fsr-4052	343	37	before	before	SCONJ
fsr-4052	343	38	weights	weight	NOUN
fsr-4052	343	39	are	be	AUX
fsr-4052	343	40	applied	apply	VERB
fsr-4052	343	41	.	.	PUNCT
fsr-4052	344	1	after	after	ADP
fsr-4052	344	2	applying	apply	VERB
fsr-4052	344	3	the	the	DET
fsr-4052	344	4	2018	2018	NUM
fsr-4052	344	5	respondent	respondent	NOUN
fsr-4052	344	6	level	level	NOUN
fsr-4052	344	7	analysis	analysis	NOUN
fsr-4052	344	8	weight	weight	NOUN
fsr-4052	344	9	,	,	PUNCT
fsr-4052	344	10	it	it	PRON
fsr-4052	344	11	represents	represent	VERB
fsr-4052	344	12	7,444,380	7,444,380	NUM
fsr-4052	344	13	older	old	ADJ
fsr-4052	344	14	americans	american	NOUN
fsr-4052	344	15	in	in	ADP
fsr-4052	344	16	the	the	DET
fsr-4052	344	17	united	united	PROPN
fsr-4052	344	18	states	states	PROPN
fsr-4052	344	19	.	.	PUNCT
fsr-4052	345	1	-8.1	-8.1	INTJ
fsr-4052	345	2	-8.5	-8.5	PUNCT
fsr-4052	346	1	-11.5	-11.5	NUM
fsr-4052	346	2	-10.9	-10.9	PROPN
fsr-4052	346	3	-9.5	-9.5	PUNCT
fsr-4052	346	4	-11.5	-11.5	PROPN
fsr-4052	346	5	-8.1	-8.1	PROPN
fsr-4052	346	6	-7.7	-7.7	PROPN
fsr-4052	346	7	-6.6	-6.6	ADJ
fsr-4052	346	8	-6.0	-6.0	PROPN
fsr-4052	346	9	-5.7	-5.7	PROPN
fsr-4052	346	10	-5.2	-5.2	PUNCT
fsr-4052	346	11	-5.6	-5.6	ADJ
fsr-4052	346	12	-3.7	-3.7	PROPN
fsr-4052	346	13	-4.5	-4.5	PROPN
fsr-4052	346	14	-3.4	-3.4	NOUN
fsr-4052	346	15	-3.9	-3.9	PROPN
fsr-4052	346	16	-4.0	-4.0	PROPN
fsr-4052	346	17	-14	-14	PUNCT
fsr-4052	346	18	-12	-12	PROPN
fsr-4052	346	19	-10	-10	PUNCT
fsr-4052	347	1	-8	-8	INTJ
fsr-4052	348	1	-6	-6	INTJ
fsr-4052	348	2	-4	-4	INTJ
fsr-4052	349	1	-2	-2	INTJ
fsr-4052	349	2	0	0	NUM
fsr-4052	350	1	53	53	NUM
fsr-4052	350	2	54	54	NUM
fsr-4052	350	3	55	55	NUM
fsr-4052	350	4	56	56	NUM
fsr-4052	350	5	57	57	NUM
fsr-4052	350	6	58	58	NUM
fsr-4052	350	7	59	59	NUM
fsr-4052	350	8	60	60	NUM
fsr-4052	350	9	61	61	NUM
fsr-4052	350	10	62	62	NUM
fsr-4052	350	11	63	63	NUM
fsr-4052	350	12	64	64	NUM
fsr-4052	350	13	65	65	NUM
fsr-4052	350	14	66	66	NUM
fsr-4052	350	15	67	67	NUM
fsr-4052	350	16	68	68	NUM
fsr-4052	350	17	69	69	NUM
fsr-4052	350	18	70	70	NUM
fsr-4052	350	19	m	m	NOUN
fsr-4052	350	20	ea	ea	NOUN
fsr-4052	350	21	n	n	NUM
fsr-4052	350	22	o	o	NOUN
fsr-4052	350	23	f	f	NOUN
fsr-4052	350	24	r	r	NOUN
fsr-4052	350	25	ea	ea	NOUN
fsr-4052	350	26	lit	light	VERB
fsr-4052	350	27	y	y	NOUN
fsr-4052	350	28	m	m	VERB
fsr-4052	350	29	in	in	ADP
fsr-4052	350	30	u	u	PROPN
fsr-4052	350	31	s	s	PART
fsr-4052	350	32	ex	ex	NOUN
fsr-4052	350	33	p	p	NOUN
fsr-4052	350	34	ec	ec	X
fsr-4052	350	35	ta	ta	X
fsr-4052	350	36	ti	ti	X
fsr-4052	350	37	o	o	NOUN
fsr-4052	350	38	n	n	CCONJ
fsr-4052	350	39	participant	participant	ADJ
fsr-4052	350	40	age	age	NOUN
fsr-4052	350	41	actual	actual	ADJ
fsr-4052	350	42	first	first	ADJ
fsr-4052	350	43	retirement	retirement	NOUN
fsr-4052	350	44	age	age	NOUN
fsr-4052	350	45	minus	minus	ADP
fsr-4052	350	46	average	average	ADJ
fsr-4052	350	47	expected	expect	VERB
fsr-4052	350	48	retirement	retirement	NOUN
fsr-4052	350	49	age	age	NOUN
fsr-4052	350	50	mean	mean	NOUN
fsr-4052	350	51	of	of	ADP
fsr-4052	350	52	reality	reality	NOUN
fsr-4052	350	53	minus	minus	CCONJ
fsr-4052	350	54	expectation	expectation	NOUN
fsr-4052	350	55	2018	2018	NUM
fsr-4052	350	56	respondent	respondent	NOUN
fsr-4052	350	57	level	level	NOUN
fsr-4052	350	58	analysis	analysis	NOUN
fsr-4052	350	59	weight	weight	NOUN
fsr-4052	350	60	applied	apply	VERB