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In the mid-twentieth century, there was a surge in births in the United States, yielding a generation that was more populous than those immediately before or after. As more of this cohort, known as the baby boomers, enters retirement and engages in dissaving rather than saving, the supply of loanable funds will tend to decrease.Assuming that the average retirement age is 65, by what year did or will the baby boomers start to draw on retirement?

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