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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. © 2000 Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.
The author is grateful to seminar participants at the HRS Early Results workshop, the Naval Postgraduate School, the University of Chicago, and the University of Michigan for comments on an earlier version of the work, and to Mel Stephens and Wei Li for research assistance.
Date Posted: 26 February 2020