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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. © 1999 Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.
The author has received very helpful comments from Bob Dennis, Doug Hamilton, Olivia Mitchell, and Jan Walliser.
Date Posted: 26 February 2020