spectives that members brought to the table were instrumental in synthesizing ideas throughout the committee process.

Drafting the report was a collaborative enterprise. The committee divided itself into five working groups corresponding to the major substantive content areas—demographic and health trends; labor force participation, productivity, and retirement; saving and retirement security; capital markets and rates of return; and fiscal concerns. Each committee member made significant contributions to the report in at least one of these areas, and many people were involved in a crosscutting manner. We are grateful to a number of people who were not on the committee, including David H. Rehkopf (Department of Medicine, Stanford University) and Nancy E. Adler (Department of Psychiatry, University of California, San Francisco), who worked with committee member John W. Rowe to produce the commissioned paper “Socioeconomic, Racial/Ethnic and Functional Status Impacts on the Future U.S. Workforce,” which helped to inform the discussions in Chapters 4 and 5. Special thanks go to Robert Pool (Digital Pens, LLC), who drafted initial versions of several report chapters as well as the Summary. We also are grateful to David P. Richardson (senior economist, TIAA-CREF Institute), who shared his extensive knowledge of public and private pension plans, household financial security, and retirement preparedness throughout the committee deliberations. We likewise extend heartfelt thanks to Gretchen S. Donehower and Carl Boe (Center on the Economics and Demography of Aging, University of California, Berkeley), who generated population projections, analyses, and graphs used in this report, facilitated the transfer of data between committee members, and prepared the documentation in the report Appendix.

This report has been reviewed in draft form by individuals chosen for their diverse perspectives and technical expertise, in accordance with procedures approved by the NRC Report Review Committee. The purpose of this independent review is to provide candid and critical comments that will assist the institution in making its published report as sound as possible and to ensure that the report meets institutional standards for objectivity, evidence, and responsiveness to the study charge. The review comments and draft manuscript remain confidential to protect the integrity of the deliberative process. We thank the following individuals for their review of this report: Henry J. Aaron, The Brookings Institution; Peter A. Diamond, Massachusetts Institute of Technology; Arie Kapteyn, RAND Corporation; Jonathan N. Katz, California Institute of Technology; Alicia H. Munnell, Boston College; J.B. Silvers, Case Western Reserve University; Barbara Boyle Torrey, Independent Consultant; and David R. Weir, University of Michigan. We also thank Kirsten Sampson-Snyder of the NRC Division of Behavioral and Social Sciences and Education and Elizabeth Panos of the



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