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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. © 1998 Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.
The author wishes to thank those who provided data and helpful comments, including John Ameriks, Richard Eggers, Michael Heller, Francis King, Joan Lambe, Joseph Liuzzo, David Rubel, Elliot Schechter, Lawrence Scheinson, Mark Warshawsky, and Howard Young.
Date Posted: 25 February 2020