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Ms Malmendier and Mr Nagel examined detailed survey data about American households' finances between 1964 and 2004. 馬爾門迪爾和納格爾研究了1964年到2004年美國(guó)家庭財(cái)務(wù)調(diào)查的詳細(xì)數(shù)據(jù)。