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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.
Research assistance was provided by Monica Bennsky, Srinivas Pulavarti, andJianguo Shang.
Date Posted: 25 February 2020