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VanDerhei, J. (2016-01-01). Retirement Plans and Prospects for Retirement Income Adequacy. In Reimagining Pensions: The Next 40 Years. : Oxford University Press. Retrieved 12 Dec. 2019, from https://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198755449.001.0001/acprof-9780198755449-chapter-3.