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PENSIM output file .PEN

--- .PEN file contains nominal pension benefits by age for each 
         cohort sample individual.

The PENSIM runNNNNN.pen file has no heading lines and no summary lines.  
The file contains individual-specific information about each individual 
who is a cohort sample member.  In addition, there is age-specific 
information beginning as many as ten years before the age of first 
pension benefit receipt (or, for people who never receive pension benefits,
age sixty-five or age of death, which ever is less) and continuing through
the age of death.  Individual records, therefore, may contain different
numbers of lines.

IMPORTANT NOTE: the runNNNNN.pen file is not suitable for importing
directly into statistical packages (such as SAS, R, or Stata) because
it does not have a single line for each individual.  Use the penrect
output analyzer program to extract age-specific information from the
runNNNNN.pen output file.  The record layout of this penrect extract
is described below (following the description of the raw .pen output).

IMPORTANT NOTE: writing the .pen output file is expensive both in terms
of disk space and run execution time.  Set OUTPUT.pen to False unless
you need the .pen file.  Remember that if you are executing a run in ESP+
mode, many contents of the PENSIM .pen file appear in the GEMINI .adq file.

FORMAT OF INDIVIDUAL MULTIPLE-ROW RECORD:
The statistics on each line are separated by the tab character.  
The logical structure of an individual record is as follows:

IND LINE:   [there is an ind line for each cohort sample member]
( 1) "I" (without the quotes)
( 2) scenario: scenario number
( 3) individual id: individual number (starts at 1 for each scenario)
( 4) individual gender: 0 ==> male, 1 ==> female
( 5) individual education: individual's highest educational attainment
       0 ==> no high school (died before entering school)
       1 ==> high school dropout        2 ==> high school graduate
       3 ==> attended some college      4 ==> four-year college degree or
                                              graduate degree
( 6) individual immigration age: 0 ==> native-born; 1+ ==> foreign-born
       (immigration occurs at start of year)
( 7) individual emigration age: 999 ==> no emigration
       (emigration occurs at start of year)
( 8) individual USA documentation age: 999 ==> always undocumented immigrant
       (native-born are documented at birth, so doc age is zero for them)
( 9) individual earned own pension and saved it for retirement:
       0 ==> no (if receive pension, it was earned by someone else)
       1 ==> yes: only DB pension(s) over work career
       2 ==> yes: only DC pension(s) over work career
       3 ==> yes: both DB and DC pensions over work career
(10) f__age: individual's age on first age line (see age line info below)
(11) l__age: individual's age on last age line (see age line info below)

AGE LINE:   [there is an age line for each age indicated on ind line]
            [age lines for indiv are arranged by ascending age]
            [all amounts are nominal thousands of dollars per year]
            [amounts set to zero when less than 0.005]
NOTE ON DB/CA or cash-balance plans: when setting DBWITH1.cabal2dac=T,
retirement income generated by cash-balance plans is included in (1)&(2)
along with traditional DB plan benefits, but when DBWITH1.cabal2dac=F,
it is included in (3)&(4) or (5)&(6) depending on the disposition of 
the rollover account at retirement.
(1) indiv's DB pension benefit
(2) couple's DB pension benefit
(3) indiv's pension-related annuity payments (bought with plan funds)
(4) couple's pension-related annuity payments (bought with plan funds)
(5) indiv's rollover account withdrawals (not for annuity purchase)
(6) couple's rollover account withdrawals (not for annuity purchase)
(7) indiv's nominal earnings (per year)
(8) couple's nominal earnings (per year)
(9) indiv's end-of-year rollover account balance
(10) couple's end-of-year rollover account balance
NOTE: annual couple pension benefits and annual couple earnings are
      calculated assuming a steady flow of benefits and earnings to the
      spouse over the course of a calendar year, which is an approximation that
      introduces imprecision only for calendar years during which a marriage
      started or ended and the spouse's benefit or earnings varied during
      the course of that calendar year.

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FORMAT OF PENRECT-CREATED EXTRACT FILE:
The statistics on each line are separated by the tab character.  
The logical structure of an individual record is as follows:
( 1) 0 (zero for each individual)
( 2) scenario: scenario number
( 3) individual id: individual number (starts at 1 for each scenario)
( 4) individual gender: 0 ==> male, 1 ==> female
( 5) individual education: individual's highest educational attainment
       0 ==> no high school (died before entering school)
       1 ==> high school dropout        2 ==> high school graduate
       3 ==> attended some college      4 ==> four-year college degree or
                                              graduate degree
( 6) individual immigration age: 0 ==> native-born; 1+ ==> foreign-born
       (immigration occurs at start of year)
( 7) individual emigration age: 999 ==> no emigration
       (emigration occurs at start of year)
( 8) individual USA documentation age: 999 ==> always undocumented immigrant
       (native-born are documented at birth, so doc age is zero for them)
( 9) individual earned own pension and saved it for retirement:
       0 ==> no (if receive pension, it was earned by someone else)
       1 ==> yes: only DB pension(s) over work career
       2 ==> yes: only DC pension(s) over work career
       3 ==> yes: both DB and DC pensions over work career
(10) age for which following runNNNNN.pen age-line statistics are extracted
(11) indiv's DB pension benefit
(12) couple's DB pension benefit
(13) indiv's pension-related annuity payments (bought with plan funds)
(14) couple's pension-related annuity payments (bought with plan funds)
(15) indiv's rollover account withdrawals (not for annuity purchase)
(16) couple's rollover account withdrawals (not for annuity purchase)
(17) indiv's nominal earnings (per year)
(18) couple's nominal earnings (per year)
(19) indiv's end-of-year rollover account balance
(20) couple's end-of-year rollover account balance
See notes above on the runNNNNN.pen age-line statistics.