James Poterba1, Steven Venti1, David Wise1. 1. James Poterba is Mitsui Professor of Economics, Massachusetts Institute of Technology, Cambridge, Massachusetts. Steven Venti is DeWalt Ankeny Professor of Economic Policy, Dartmouth College, Hanover, New Hampshire. David Wise is John F. Stambaugh Professor of Political Economy, Kennedy School of Government, Harvard University, Cambridge, Massachusetts. Poterba is President, Venti is a Research Associate, and Wise is Area Director for Health and Retirement Programs and Program Director for Aging, National Bureau of Economic Research, Cambridge, Massachusetts.