Revise paper following journal feedback#23
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alanlujan91 merged 10 commits intoecon-ark:mainfrom Mar 4, 2026
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Added paragraph skip and left-aligned equations to fit JoR style.
Based on notes of meeting with LS and JT.
- Fix ambiguous pronoun and awkward phrasing in new Conclusion paragraph - Update HTTP URLs to HTTPS for consistency with rest of paper - Remove extra blank line before \bibliographystyle - Restore DOI, publisher, and title protection on Lanski2022 bib entry - Change Choi2025 from @Article to @TechReport with proper NBER metadata - Add DOI for Choi2025, fix author format to last-name-first
Based on meeting notes with LS and JT: - Annuity puzzle follows naturally from wealth-in-utility; framework helps determine how much to annuitize - Practitioners should check clients' access to liquid wealth - The delta parameter enables personalized advice via direct elicitation
- "a wide array of parameters" → "many parameter combinations" - "it is worth examining whether" → "practitioners should ask whether" - "lends itself naturally to" → "is well suited to" - em dash → comma in personalization sentence
Clarify that delta governs the consumption-vs-wealth utility trade-off and can serve as a calibration lever for personalized advice, including for automated tools and buffer stock preferences.
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We might want to add further language to the conclusion, but this is a start.