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: Titled " Employee Financial Literacy and Retirement Plan Behavior: A Case Study ," authored by Robert Clark, Annamaria Lusardi, and Olivia S. Mitchell in August 2015. This paper examines how financial education programs impact the retirement saving choices of employees.

in this context are often used by researchers to share datasets, supplementary code, or pre-print versions of these papers on academic repositories or personal faculty pages. JASIST: Vol 62, No 3 - ACM Digital Library 21461.rar

The reference likely refers to a compressed archive containing a specific academic working paper or a supporting document for a publication. Based on common academic numbering, this most frequently points to: : Titled " Employee Financial Literacy and Retirement