%PDF-1.5 % 4 0 obj << /S /GoTo /D (section.1) >> endobj 7 0 obj (Introduction) endobj 8 0 obj << /S /GoTo /D (section.2) >> endobj 11 0 obj (Setting and Data) endobj 12 0 obj << /S /GoTo /D (subsection.2.1) >> endobj 15 0 obj (Retirement Plan Setting) endobj 16 0 obj << /S /GoTo /D (subsection.2.2) >> endobj 19 0 obj (Outcome variables) endobj 20 0 obj << /S /GoTo /D (subsection.2.3) >> endobj 23 0 obj (Present bias) endobj 24 0 obj << /S /GoTo /D (subsection.2.4) >> endobj 27 0 obj (Financial literacy) endobj 28 0 obj << /S /GoTo /D (subsection.2.5) >> endobj 31 0 obj (Exponential-growth bias) endobj 32 0 obj << /S /GoTo /D (subsection.2.6) >> endobj 35 0 obj (Covariates) endobj 36 0 obj << /S /GoTo /D (section.3) >> endobj 39 0 obj (Empirical Methods) endobj 40 0 obj << /S /GoTo /D (section.4) >> endobj 43 0 obj (Results) endobj 44 0 obj << /S /GoTo /D (section.5) >> endobj 47 0 obj (Conclusion) endobj 48 0 obj << /S /GoTo /D (section.1) >> endobj 50 0 obj (Additional Tables) endobj 51 0 obj << /S /GoTo /D [52 0 R /Fit] >> endobj 54 0 obj << /Length 2523 /Filter /FlateDecode >> stream xYK8ׯ9q!Ʋ-? L?`f*E$HQE??!%va`t% VUzs|a nw,(Y%@n[];uDAݭ7@ӔHލLkց7mNM}q{uoJ7캶^yJt Ƴem@Sǹ=۱c~RB`hl\ ؗ\%~[ Q:ݺRoė2oڣ j{P@^i%*4Y'*Ȋ;-2?bQ a8v㳬iALQrm0zVו:nXSުA8eN/h.ZueGfQRYO{QP d$'s;i1*v΄CEGn>.GT&$xV];2l!B>(Hur?O5;bjkFY"2i+'Sc5`MGřyf * th7Z8H@Ɗ] *IJhYE9+ 'ÞN(y-«0T@zUW 5H?Efwr5jL6h<>#% KNJx"'v2(L뭳%ߕ(0:^9C_"Y,#Gb ^h>"%F R3T2HP0܀NW`!u0G.ԛZeth8#!;z,c QA5iŞm'/Ump0уaZ3D, 51BHqqxu: ֻw04 Xm0djg3ge*^o>%Cq?ڞ!x 3w8Eunla2 5J]~-g=uA})wtYpq3g{ _bP3T['n+ԃ';ƨ2\-y2cZyo+,}`rDA6Kaf> f k;E#0aboi&'NJC-)M֦,{I>; if"w{Tݽ &ke,)g7N(e*ܕwvC /yvKQ#b*0 =FUg`٘F2-y2g줓$C"= Sb."2\QV*S(W@9A/a{<\ ơhk,BqͮDOΏ:~ەv$Eph@p}z[|{}hW\9gɿ43{d&KLpo|N%9BMǷrHrdyYjLLYl^1eZtt ?fJ^4\eE}ǟ:dW"KΟ¸Zm˯OOM;M>LoLG
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