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. © 1998 Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.
We thank Richard Ippolito, Olivia Mitchell, Nicholas Souleles, conference participants, and the referees for very helpful comments.
Date Posted: 25 February 2020