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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 thanks the Retirement Research Foundation, the Employee Benefit Research Institute, and the W. E. Upjohn Institute for Employment Research for research support, Kevin Cahill for excellent research assistance, and Olivia Mitchell for helpful comments on an earlier draft.
Date Posted: 26 February 2020