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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 acknowledges invaluable assistance from Kevin Binder, Melissa Rasman, and Roslyn Silverman.
Date Posted: 25 February 2020