Date of this Version
Working Paper Number
All findings, interpretations, and conclusions of this paper represent the views of the author(s) and not those of the Wharton School or the Pension Research Council. Copyright 2005 © Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.
The conclusions and recommendations expressed here are the authors’ and do not necessarily represent the views of Watson Wyatt or any of its other associates or the Federal Reserve Board or its staff. We thank David Gustafson, Nell Hennessey, Olivia Mitchell, Paul Smith, and Carolyn Zimmerman, and Thomas Bridges and Brendan McFarland for excellent research assistance.
Date Posted: 30 August 2019