Clark, Robert L.Schieber, Sylvester J.2023-05-232023-05-2319962020-02-25https://repository.upenn.edu/handle/20.500.14332/43992All 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.EconomicsWorking Paper