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Hammond, P., & Richardson, D. (2010-08-26). Retirement Saving Adequacy and Individual Investment Risk Management Using the Asset/Salary Ratio. In  (Ed.), Reorienting Retirement Risk Management. : Oxford University Press,. Retrieved 15 Dec. 2018, from http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199592609.001.0001/acprof-9780199592609-chapter-2.