id	sid	tid	token	lemma	pos
aijes-7168	1	1	agora	agora	PROPN
aijes-7168	1	2	international	international	PROPN
aijes-7168	1	3	journal	journal	NOUN
aijes-7168	1	4	of	of	ADP
aijes-7168	1	5	economical	economical	ADJ
aijes-7168	1	6	sciences	science	NOUN
aijes-7168	1	7	,	,	PUNCT
aijes-7168	1	8	http://univagora.ro/jour/index.php/aijes	http://univagora.ro/jour/index.php/aijes	PRON
aijes-7168	1	9	issn	issn	PROPN
aijes-7168	1	10	2067	2067	NUM
aijes-7168	1	11	-	-	SYM
aijes-7168	1	12	3310	3310	NUM
aijes-7168	1	13	,	,	PUNCT
aijes-7168	1	14	e	e	X
aijes-7168	1	15	-	-	PUNCT
aijes-7168	1	16	issn	issn	PROPN
aijes-7168	1	17	2067	2067	NUM
aijes-7168	1	18	-	-	SYM
aijes-7168	1	19	7669	7669	NUM
aijes-7168	1	20	vol	vol	NOUN
aijes-7168	1	21	.	.	PROPN
aijes-7168	1	22	19	19	NUM
aijes-7168	1	23	,	,	PUNCT
aijes-7168	1	24	no	no	INTJ
aijes-7168	1	25	.	.	NOUN
aijes-7168	1	26	1	1	NUM
aijes-7168	1	27	(	(	PUNCT
aijes-7168	1	28	2025	2025	NUM
aijes-7168	1	29	)	)	PUNCT
aijes-7168	1	30	,	,	PUNCT
aijes-7168	1	31	pp	pp	ADJ
aijes-7168	1	32	.	.	PUNCT
aijes-7168	2	1	399	399	NUM
aijes-7168	2	2	-	-	SYM
aijes-7168	2	3	404	404	NUM
aijes-7168	2	4	399	399	NUM
aijes-7168	2	5	time	time	NOUN
aijes-7168	2	6	value	value	NOUN
aijes-7168	2	7	of	of	ADP
aijes-7168	2	8	money	money	NOUN
aijes-7168	2	9	in	in	ADP
aijes-7168	2	10	the	the	DET
aijes-7168	2	11	lithuanian	lithuanian	ADJ
aijes-7168	2	12	credit	credit	NOUN
aijes-7168	2	13	market	market	NOUN
aijes-7168	2	14	:	:	PUNCT
aijes-7168	2	15	a	a	DET
aijes-7168	2	16	practical	practical	ADJ
aijes-7168	2	17	analysis	analysis	NOUN
aijes-7168	2	18	of	of	ADP
aijes-7168	2	19	consumer	consumer	NOUN
aijes-7168	2	20	loan	loan	NOUN
aijes-7168	2	21	offers	offer	VERB
aijes-7168	2	22	m.	m.	NOUN
aijes-7168	2	23	pryšmantaitė	pryšmantaitė	NOUN
aijes-7168	2	24	,	,	PUNCT
aijes-7168	2	25	a.	a.	NOUN
aijes-7168	2	26	markauskas	markauskas	PROPN
aijes-7168	2	27	,	,	PUNCT
aijes-7168	2	28	j.	j.	PROPN
aijes-7168	2	29	kartašova	kartašova	PROPN
aijes-7168	2	30	mantė	mantė	PROPN
aijes-7168	2	31	pryšmantaitė¹	pryšmantaitė¹	ADJ
aijes-7168	2	32	,	,	PUNCT
aijes-7168	2	33	astijus	astijus	PROPN
aijes-7168	2	34	markauskas²	markauskas²	PROPN
aijes-7168	2	35	,	,	PUNCT
aijes-7168	2	36	jekaterina	jekaterina	PROPN
aijes-7168	2	37	kartašova3	kartašova3	PROPN
aijes-7168	2	38	¹	¹	PROPN
aijes-7168	2	39	²	²	PROPN
aijes-7168	2	40	³	³	NUM
aijes-7168	2	41	business	business	NOUN
aijes-7168	2	42	school	school	NOUN
aijes-7168	2	43	of	of	ADP
aijes-7168	2	44	vilnius	vilnius	PROPN
aijes-7168	2	45	university	university	PROPN
aijes-7168	2	46	,	,	PUNCT
aijes-7168	2	47	lithuania	lithuania	PROPN
aijes-7168	2	48	¹	¹	PROPN
aijes-7168	2	49	e	e	NOUN
aijes-7168	2	50	-	-	NOUN
aijes-7168	2	51	mail	mail	NOUN
aijes-7168	2	52	:	:	PUNCT
aijes-7168	2	53	mante.prysmantaite@vm.stud.vu.lt	mante.prysmantaite@vm.stud.vu.lt	VERB
aijes-7168	2	54	²	²	NUM
aijes-7168	2	55	e	e	NOUN
aijes-7168	2	56	-	-	NOUN
aijes-7168	2	57	mail	mail	NOUN
aijes-7168	2	58	:	:	PUNCT
aijes-7168	3	1	astijus.markauskas@vm.stud.vu.lt	astijus.markauskas@vm.stud.vu.lt	PROPN
aijes-7168	3	2	3	3	NUM
aijes-7168	3	3	https://orcid.org/0000-0003-3774-1817	https://orcid.org/0000-0003-3774-1817	PROPN
aijes-7168	3	4	,	,	PUNCT
aijes-7168	3	5	e	e	NOUN
aijes-7168	3	6	-	-	NOUN
aijes-7168	3	7	mail	mail	NOUN
aijes-7168	3	8	:	:	PUNCT
aijes-7168	3	9	jekaterina.kartasova@vm.vu.lt	jekaterina.kartasova@vm.vu.lt	PROPN
aijes-7168	3	10	abstract	abstract	NOUN
aijes-7168	3	11	:	:	PUNCT
aijes-7168	3	12	this	this	DET
aijes-7168	3	13	report	report	NOUN
aijes-7168	3	14	uses	use	VERB
aijes-7168	3	15	the	the	DET
aijes-7168	3	16	time	time	NOUN
aijes-7168	3	17	value	value	NOUN
aijes-7168	3	18	of	of	ADP
aijes-7168	3	19	money	money	NOUN
aijes-7168	3	20	(	(	PUNCT
aijes-7168	3	21	tvm	tvm	PROPN
aijes-7168	3	22	)	)	PUNCT
aijes-7168	3	23	framework	framework	NOUN
aijes-7168	3	24	to	to	PART
aijes-7168	3	25	evaluate	evaluate	VERB
aijes-7168	3	26	and	and	CCONJ
aijes-7168	3	27	compare	compare	VERB
aijes-7168	3	28	consumer	consumer	NOUN
aijes-7168	3	29	loan	loan	NOUN
aijes-7168	3	30	offers	offer	VERB
aijes-7168	3	31	from	from	ADP
aijes-7168	3	32	three	three	NUM
aijes-7168	3	33	lithuanian	lithuanian	ADJ
aijes-7168	3	34	credit	credit	NOUN
aijes-7168	3	35	providers	provider	NOUN
aijes-7168	3	36	:	:	PUNCT
aijes-7168	3	37	inbank	inbank	NOUN
aijes-7168	3	38	,	,	PUNCT
aijes-7168	3	39	artea	artea	NOUN
aijes-7168	3	40	,	,	PUNCT
aijes-7168	3	41	and	and	CCONJ
aijes-7168	3	42	saldo	saldo	PROPN
aijes-7168	3	43	bank	bank	PROPN
aijes-7168	3	44	.	.	PUNCT
aijes-7168	4	1	focusing	focus	VERB
aijes-7168	4	2	on	on	ADP
aijes-7168	4	3	a	a	DET
aijes-7168	4	4	loan	loan	NOUN
aijes-7168	4	5	amount	amount	NOUN
aijes-7168	4	6	of	of	ADP
aijes-7168	4	7	€	€	SYM
aijes-7168	4	8	5000	5000	NUM
aijes-7168	4	9	,	,	PUNCT
aijes-7168	4	10	the	the	DET
aijes-7168	4	11	study	study	NOUN
aijes-7168	4	12	examines	examine	VERB
aijes-7168	4	13	repayment	repayment	NOUN
aijes-7168	4	14	terms	term	NOUN
aijes-7168	4	15	of	of	ADP
aijes-7168	4	16	12	12	NUM
aijes-7168	4	17	,	,	PUNCT
aijes-7168	4	18	24	24	NUM
aijes-7168	4	19	,	,	PUNCT
aijes-7168	4	20	and	and	CCONJ
aijes-7168	4	21	36	36	NUM
aijes-7168	4	22	months	month	NOUN
aijes-7168	4	23	,	,	PUNCT
aijes-7168	4	24	each	each	PRON
aijes-7168	4	25	with	with	ADP
aijes-7168	4	26	different	different	ADJ
aijes-7168	4	27	interest	interest	NOUN
aijes-7168	4	28	rates	rate	NOUN
aijes-7168	4	29	and	and	CCONJ
aijes-7168	4	30	administrative	administrative	ADJ
aijes-7168	4	31	fees	fee	NOUN
aijes-7168	4	32	.	.	PUNCT
aijes-7168	5	1	by	by	ADP
aijes-7168	5	2	calculating	calculate	VERB
aijes-7168	5	3	key	key	ADJ
aijes-7168	5	4	financial	financial	ADJ
aijes-7168	5	5	indicators	indicator	NOUN
aijes-7168	5	6	such	such	ADJ
aijes-7168	5	7	as	as	ADP
aijes-7168	5	8	monthly	monthly	ADJ
aijes-7168	5	9	payments	payment	NOUN
aijes-7168	5	10	(	(	PUNCT
aijes-7168	5	11	pmt	pmt	PROPN
aijes-7168	5	12	)	)	PUNCT
aijes-7168	5	13	,	,	PUNCT
aijes-7168	5	14	total	total	ADJ
aijes-7168	5	15	repayment	repayment	NOUN
aijes-7168	5	16	,	,	PUNCT
aijes-7168	5	17	total	total	ADJ
aijes-7168	5	18	interest	interest	NOUN
aijes-7168	5	19	paid	pay	VERB
aijes-7168	5	20	,	,	PUNCT
aijes-7168	5	21	and	and	CCONJ
aijes-7168	5	22	present	present	ADJ
aijes-7168	5	23	value	value	NOUN
aijes-7168	5	24	(	(	PUNCT
aijes-7168	5	25	pv	pv	NOUN
aijes-7168	5	26	)	)	PUNCT
aijes-7168	5	27	,	,	PUNCT
aijes-7168	5	28	the	the	DET
aijes-7168	5	29	analysis	analysis	NOUN
aijes-7168	5	30	identifies	identify	VERB
aijes-7168	5	31	differences	difference	NOUN
aijes-7168	5	32	in	in	ADP
aijes-7168	5	33	the	the	DET
aijes-7168	5	34	actual	actual	ADJ
aijes-7168	5	35	cost	cost	NOUN
aijes-7168	5	36	of	of	ADP
aijes-7168	5	37	borrowing	borrowing	NOUN
aijes-7168	5	38	.	.	PUNCT
aijes-7168	6	1	the	the	DET
aijes-7168	6	2	results	result	NOUN
aijes-7168	6	3	show	show	VERB
aijes-7168	6	4	that	that	SCONJ
aijes-7168	6	5	inbank	inbank	NOUN
aijes-7168	6	6	offers	offer	VERB
aijes-7168	6	7	the	the	DET
aijes-7168	6	8	most	most	ADV
aijes-7168	6	9	financially	financially	ADV
aijes-7168	6	10	favorable	favorable	ADJ
aijes-7168	6	11	terms	term	NOUN
aijes-7168	6	12	overall	overall	ADV
aijes-7168	6	13	,	,	PUNCT
aijes-7168	6	14	yet	yet	CCONJ
aijes-7168	6	15	borrowers	borrower	NOUN
aijes-7168	6	16	may	may	AUX
aijes-7168	6	17	still	still	ADV
aijes-7168	6	18	choose	choose	VERB
aijes-7168	6	19	more	more	ADV
aijes-7168	6	20	expensive	expensive	ADJ
aijes-7168	6	21	options	option	NOUN
aijes-7168	6	22	based	base	VERB
aijes-7168	6	23	on	on	ADP
aijes-7168	6	24	short	short	ADJ
aijes-7168	6	25	-	-	PUNCT
aijes-7168	6	26	term	term	NOUN
aijes-7168	6	27	affordability	affordability	NOUN
aijes-7168	6	28	.	.	PUNCT
aijes-7168	7	1	these	these	DET
aijes-7168	7	2	findings	finding	NOUN
aijes-7168	7	3	emphasize	emphasize	VERB
aijes-7168	7	4	the	the	DET
aijes-7168	7	5	value	value	NOUN
aijes-7168	7	6	of	of	ADP
aijes-7168	7	7	using	use	VERB
aijes-7168	7	8	tvm	tvm	ADJ
aijes-7168	7	9	principles	principle	NOUN
aijes-7168	7	10	in	in	ADP
aijes-7168	7	11	personal	personal	ADJ
aijes-7168	7	12	finance	finance	NOUN
aijes-7168	7	13	and	and	CCONJ
aijes-7168	7	14	highlight	highlight	VERB
aijes-7168	7	15	the	the	DET
aijes-7168	7	16	importance	importance	NOUN
aijes-7168	7	17	of	of	ADP
aijes-7168	7	18	transparent	transparent	ADJ
aijes-7168	7	19	loan	loan	NOUN
aijes-7168	7	20	structures	structure	NOUN
aijes-7168	7	21	in	in	ADP
aijes-7168	7	22	helping	help	VERB
aijes-7168	7	23	consumers	consumer	NOUN
aijes-7168	7	24	make	make	VERB
aijes-7168	7	25	informed	informed	ADJ
aijes-7168	7	26	financial	financial	ADJ
aijes-7168	7	27	decisions	decision	NOUN
aijes-7168	7	28	in	in	ADP
aijes-7168	7	29	the	the	DET
aijes-7168	7	30	lithuanian	lithuanian	ADJ
aijes-7168	7	31	credit	credit	NOUN
aijes-7168	7	32	market	market	NOUN
aijes-7168	7	33	.	.	PUNCT
aijes-7168	8	1	keywords	keyword	NOUN
aijes-7168	8	2	:	:	PUNCT
aijes-7168	8	3	tvm	tvm	ADJ
aijes-7168	8	4	,	,	PUNCT
aijes-7168	8	5	consumer	consumer	NOUN
aijes-7168	8	6	loans	loan	NOUN
aijes-7168	8	7	,	,	PUNCT
aijes-7168	8	8	lithuanian	lithuanian	ADJ
aijes-7168	8	9	credit	credit	NOUN
aijes-7168	8	10	market	market	NOUN
aijes-7168	8	11	,	,	PUNCT
aijes-7168	8	12	personal	personal	ADJ
aijes-7168	8	13	finance	finance	NOUN
aijes-7168	8	14	1	1	NUM
aijes-7168	8	15	.	.	PUNCT
aijes-7168	8	16	introduction	introduction	NOUN
aijes-7168	8	17	in	in	ADP
aijes-7168	8	18	the	the	DET
aijes-7168	8	19	recent	recent	ADJ
aijes-7168	8	20	decade	decade	NOUN
aijes-7168	8	21	,	,	PUNCT
aijes-7168	8	22	borrowing	borrowing	NOUN
aijes-7168	8	23	has	have	AUX
aijes-7168	8	24	become	become	VERB
aijes-7168	8	25	increasingly	increasingly	ADV
aijes-7168	8	26	popular	popular	ADJ
aijes-7168	8	27	in	in	ADP
aijes-7168	8	28	lithuania	lithuania	PROPN
aijes-7168	8	29	,	,	PUNCT
aijes-7168	8	30	explained	explain	VERB
aijes-7168	8	31	by	by	ADP
aijes-7168	8	32	rising	rise	VERB
aijes-7168	8	33	consumer	consumer	NOUN
aijes-7168	8	34	demand	demand	NOUN
aijes-7168	8	35	and	and	CCONJ
aijes-7168	8	36	easy	easy	ADJ
aijes-7168	8	37	credit	credit	NOUN
aijes-7168	8	38	access	access	NOUN
aijes-7168	8	39	through	through	ADP
aijes-7168	8	40	banks	bank	NOUN
aijes-7168	8	41	and	and	CCONJ
aijes-7168	8	42	non	non	ADJ
aijes-7168	8	43	-	-	ADJ
aijes-7168	8	44	bank	bank	ADJ
aijes-7168	8	45	lenders	lender	NOUN
aijes-7168	8	46	(	(	PUNCT
aijes-7168	8	47	kanapickienė	kanapickienė	PROPN
aijes-7168	8	48	et	et	PROPN
aijes-7168	8	49	al	al	PROPN
aijes-7168	8	50	.	.	PROPN
aijes-7168	8	51	,	,	PUNCT
aijes-7168	8	52	2022	2022	NUM
aijes-7168	8	53	)	)	PUNCT
aijes-7168	8	54	.	.	PUNCT
aijes-7168	9	1	according	accord	VERB
aijes-7168	9	2	to	to	ADP
aijes-7168	9	3	publicly	publicly	ADV
aijes-7168	9	4	accessible	accessible	ADJ
aijes-7168	9	5	data	datum	NOUN
aijes-7168	9	6	on	on	ADP
aijes-7168	9	7	theglobaleconomy	theglobaleconomy	NOUN
aijes-7168	9	8	website	website	NOUN
aijes-7168	9	9	,	,	PUNCT
aijes-7168	9	10	total	total	ADJ
aijes-7168	9	11	consumer	consumer	NOUN
aijes-7168	9	12	credit	credit	NOUN
aijes-7168	9	13	in	in	ADP
aijes-7168	9	14	lithuania	lithuania	PROPN
aijes-7168	9	15	has	have	AUX
aijes-7168	9	16	been	be	AUX
aijes-7168	9	17	recorded	record	VERB
aijes-7168	9	18	at	at	ADP
aijes-7168	9	19	2.79	2.79	NUM
aijes-7168	9	20	billion	billion	NUM
aijes-7168	9	21	euros	euro	NOUN
aijes-7168	9	22	in	in	ADP
aijes-7168	9	23	march	march	PROPN
aijes-7168	9	24	2025	2025	NUM
aijes-7168	9	25	,	,	PUNCT
aijes-7168	9	26	with	with	ADP
aijes-7168	9	27	a	a	DET
aijes-7168	9	28	clear	clear	ADJ
aijes-7168	9	29	positive	positive	ADJ
aijes-7168	9	30	trend	trend	NOUN
aijes-7168	9	31	.	.	PUNCT
aijes-7168	10	1	lithuania	lithuania	PROPN
aijes-7168	10	2	has	have	VERB
aijes-7168	10	3	numerous	numerous	ADJ
aijes-7168	10	4	credit	credit	NOUN
aijes-7168	10	5	companies	company	NOUN
aijes-7168	10	6	offering	offer	VERB
aijes-7168	10	7	varying	vary	VERB
aijes-7168	10	8	interest	interest	NOUN
aijes-7168	10	9	rates	rate	NOUN
aijes-7168	10	10	,	,	PUNCT
aijes-7168	10	11	fees	fee	NOUN
aijes-7168	10	12	,	,	PUNCT
aijes-7168	10	13	and	and	CCONJ
aijes-7168	10	14	repayment	repayment	NOUN
aijes-7168	10	15	terms	term	NOUN
aijes-7168	10	16	.	.	PUNCT
aijes-7168	11	1	this	this	DET
aijes-7168	11	2	environment	environment	NOUN
aijes-7168	11	3	of	of	ADP
aijes-7168	11	4	high	high	ADJ
aijes-7168	11	5	lender	lender	NOUN
aijes-7168	11	6	variety	variety	NOUN
aijes-7168	11	7	and	and	CCONJ
aijes-7168	11	8	complex	complex	ADJ
aijes-7168	11	9	loan	loan	NOUN
aijes-7168	11	10	structures	structure	NOUN
aijes-7168	11	11	places	place	VERB
aijes-7168	11	12	importance	importance	NOUN
aijes-7168	11	13	on	on	ADP
aijes-7168	11	14	reliable	reliable	ADJ
aijes-7168	11	15	evaluation	evaluation	NOUN
aijes-7168	11	16	methods	method	NOUN
aijes-7168	11	17	.	.	PUNCT
aijes-7168	12	1	consumers	consumer	NOUN
aijes-7168	12	2	may	may	AUX
aijes-7168	12	3	be	be	AUX
aijes-7168	12	4	drawn	draw	VERB
aijes-7168	12	5	to	to	ADP
aijes-7168	12	6	attractive	attractive	ADJ
aijes-7168	12	7	monthly	monthly	ADJ
aijes-7168	12	8	payments	payment	NOUN
aijes-7168	12	9	or	or	CCONJ
aijes-7168	12	10	promotional	promotional	ADJ
aijes-7168	12	11	interest	interest	NOUN
aijes-7168	12	12	rates	rate	NOUN
aijes-7168	12	13	without	without	ADP
aijes-7168	12	14	fully	fully	ADV
aijes-7168	12	15	understanding	understand	VERB
aijes-7168	12	16	how	how	SCONJ
aijes-7168	12	17	additional	additional	ADJ
aijes-7168	12	18	fees	fee	NOUN
aijes-7168	12	19	or	or	CCONJ
aijes-7168	12	20	longer	long	ADJ
aijes-7168	12	21	repayment	repayment	NOUN
aijes-7168	12	22	periods	period	NOUN
aijes-7168	12	23	affect	affect	VERB
aijes-7168	12	24	the	the	DET
aijes-7168	12	25	real	real	ADJ
aijes-7168	12	26	cost	cost	NOUN
aijes-7168	12	27	of	of	ADP
aijes-7168	12	28	borrowing	borrowing	NOUN
aijes-7168	12	29	(	(	PUNCT
aijes-7168	12	30	johnson	johnson	PROPN
aijes-7168	12	31	,	,	PUNCT
aijes-7168	12	32	2022	2022	NUM
aijes-7168	12	33	)	)	PUNCT
aijes-7168	12	34	.	.	PUNCT
aijes-7168	13	1	to	to	PART
aijes-7168	13	2	address	address	VERB
aijes-7168	13	3	this	this	DET
aijes-7168	13	4	problem	problem	NOUN
aijes-7168	13	5	,	,	PUNCT
aijes-7168	13	6	applying	apply	VERB
aijes-7168	13	7	the	the	DET
aijes-7168	13	8	time	time	NOUN
aijes-7168	13	9	value	value	NOUN
aijes-7168	13	10	of	of	ADP
aijes-7168	13	11	money	money	NOUN
aijes-7168	13	12	(	(	PUNCT
aijes-7168	13	13	tvm	tvm	PROPN
aijes-7168	13	14	)	)	PUNCT
aijes-7168	13	15	concept	concept	NOUN
aijes-7168	13	16	may	may	AUX
aijes-7168	13	17	become	become	VERB
aijes-7168	13	18	instrumental	instrumental	ADJ
aijes-7168	13	19	.	.	PUNCT
aijes-7168	14	1	tvm	tvm	PROPN
aijes-7168	14	2	allows	allow	VERB
aijes-7168	14	3	individuals	individual	NOUN
aijes-7168	14	4	to	to	PART
aijes-7168	14	5	assess	assess	VERB
aijes-7168	14	6	the	the	DET
aijes-7168	14	7	real	real	ADJ
aijes-7168	14	8	value	value	NOUN
aijes-7168	14	9	of	of	ADP
aijes-7168	14	10	future	future	ADJ
aijes-7168	14	11	loan	loan	NOUN
aijes-7168	14	12	payments	payment	NOUN
aijes-7168	14	13	in	in	ADP
aijes-7168	14	14	today	today	NOUN
aijes-7168	14	15	's	's	PART
aijes-7168	14	16	terms	term	NOUN
aijes-7168	14	17	,	,	PUNCT
aijes-7168	14	18	which	which	PRON
aijes-7168	14	19	enables	enable	VERB
aijes-7168	14	20	them	they	PRON
aijes-7168	14	21	to	to	PART
aijes-7168	14	22	compare	compare	VERB
aijes-7168	14	23	offers	offer	NOUN
aijes-7168	14	24	by	by	ADP
aijes-7168	14	25	their	their	PRON
aijes-7168	14	26	full	full	ADJ
aijes-7168	14	27	financial	financial	ADJ
aijes-7168	14	28	impact	impact	NOUN
aijes-7168	14	29	over	over	ADP
aijes-7168	14	30	time	time	NOUN
aijes-7168	14	31	,	,	PUNCT
aijes-7168	14	32	not	not	PART
aijes-7168	14	33	only	only	ADV
aijes-7168	14	34	surface	surface	NOUN
aijes-7168	14	35	rates	rate	NOUN
aijes-7168	14	36	(	(	PUNCT
aijes-7168	14	37	kahn	kahn	PROPN
aijes-7168	14	38	&	&	CCONJ
aijes-7168	14	39	baum	baum	PROPN
aijes-7168	14	40	,	,	PUNCT
aijes-7168	14	41	2019	2019	NUM
aijes-7168	14	42	)	)	PUNCT
aijes-7168	14	43	.	.	PUNCT
aijes-7168	15	1	as	as	SCONJ
aijes-7168	15	2	borrowing	borrowing	NOUN
aijes-7168	15	3	becomes	become	VERB
aijes-7168	15	4	more	more	ADV
aijes-7168	15	5	embedded	embed	VERB
aijes-7168	15	6	in	in	ADP
aijes-7168	15	7	everyday	everyday	ADJ
aijes-7168	15	8	financial	financial	ADJ
aijes-7168	15	9	behavior	behavior	NOUN
aijes-7168	15	10	,	,	PUNCT
aijes-7168	15	11	the	the	DET
aijes-7168	15	12	ability	ability	NOUN
aijes-7168	15	13	to	to	PART
aijes-7168	15	14	interpret	interpret	VERB
aijes-7168	15	15	complex	complex	ADJ
aijes-7168	15	16	loan	loan	NOUN
aijes-7168	15	17	structures	structure	NOUN
aijes-7168	15	18	can	can	AUX
aijes-7168	15	19	influence	influence	VERB
aijes-7168	15	20	not	not	PART
aijes-7168	15	21	only	only	ADV
aijes-7168	15	22	individual	individual	ADJ
aijes-7168	15	23	financial	financial	ADJ
aijes-7168	15	24	well	well	NOUN
aijes-7168	15	25	-	-	PUNCT
aijes-7168	15	26	being	being	NOUN
aijes-7168	15	27	but	but	CCONJ
aijes-7168	15	28	also	also	ADV
aijes-7168	15	29	broader	broad	ADJ
aijes-7168	15	30	economic	economic	ADJ
aijes-7168	15	31	stability	stability	NOUN
aijes-7168	15	32	(	(	PUNCT
aijes-7168	15	33	lin	lin	PROPN
aijes-7168	15	34	&	&	CCONJ
aijes-7168	15	35	bates	bates	PROPN
aijes-7168	15	36	,	,	PUNCT
aijes-7168	15	37	2022	2022	NUM
aijes-7168	15	38	)	)	PUNCT
aijes-7168	15	39	.	.	PUNCT
aijes-7168	16	1	additionally	additionally	ADV
aijes-7168	16	2	,	,	PUNCT
aijes-7168	16	3	financially	financially	ADV
aijes-7168	16	4	informed	informed	ADJ
aijes-7168	16	5	consumers	consumer	NOUN
aijes-7168	16	6	are	be	AUX
aijes-7168	16	7	less	less	ADV
aijes-7168	16	8	likely	likely	ADJ
aijes-7168	16	9	to	to	PART
aijes-7168	16	10	become	become	VERB
aijes-7168	16	11	overindebted	overindebte	VERB
aijes-7168	16	12	and	and	CCONJ
aijes-7168	16	13	are	be	AUX
aijes-7168	16	14	better	well	ADV
aijes-7168	16	15	equipped	equip	VERB
aijes-7168	16	16	to	to	PART
aijes-7168	16	17	make	make	VERB
aijes-7168	16	18	optimized	optimize	VERB
aijes-7168	16	19	borrowing	borrowing	NOUN
aijes-7168	16	20	decisions	decision	NOUN
aijes-7168	16	21	(	(	PUNCT
aijes-7168	16	22	lusardi	lusardi	NOUN
aijes-7168	16	23	,	,	PUNCT
aijes-7168	16	24	2019	2019	NUM
aijes-7168	16	25	)	)	PUNCT
aijes-7168	16	26	.	.	PUNCT
aijes-7168	17	1	the	the	DET
aijes-7168	17	2	purpose	purpose	NOUN
aijes-7168	17	3	of	of	ADP
aijes-7168	17	4	this	this	DET
aijes-7168	17	5	report	report	NOUN
aijes-7168	17	6	is	be	AUX
aijes-7168	17	7	to	to	PART
aijes-7168	17	8	apply	apply	VERB
aijes-7168	17	9	the	the	DET
aijes-7168	17	10	principles	principle	NOUN
aijes-7168	17	11	of	of	ADP
aijes-7168	17	12	the	the	DET
aijes-7168	17	13	time	time	NOUN
aijes-7168	17	14	value	value	NOUN
aijes-7168	17	15	of	of	ADP
aijes-7168	17	16	money	money	NOUN
aijes-7168	17	17	(	(	PUNCT
aijes-7168	17	18	tvm	tvm	PROPN
aijes-7168	17	19	)	)	PUNCT
aijes-7168	17	20	to	to	PART
aijes-7168	17	21	evaluate	evaluate	VERB
aijes-7168	17	22	and	and	CCONJ
aijes-7168	17	23	compare	compare	VERB
aijes-7168	17	24	three	three	NUM
aijes-7168	17	25	consumer	consumer	NOUN
aijes-7168	17	26	loan	loan	NOUN
aijes-7168	17	27	offers	offer	NOUN
aijes-7168	17	28	from	from	ADP
aijes-7168	17	29	lithuanian	lithuanian	ADJ
aijes-7168	17	30	credit	credit	NOUN
aijes-7168	17	31	providers	provider	NOUN
aijes-7168	17	32	inbank	inbank	PROPN
aijes-7168	17	33	,	,	PUNCT
aijes-7168	17	34	artea	artea	NOUN
aijes-7168	17	35	,	,	PUNCT
aijes-7168	17	36	and	and	CCONJ
aijes-7168	17	37	saldo	saldo	PROPN
aijes-7168	17	38	bank	bank	PROPN
aijes-7168	17	39	.	.	PUNCT
aijes-7168	18	1	by	by	ADP
aijes-7168	18	2	analyzing	analyze	VERB
aijes-7168	18	3	loans	loan	NOUN
aijes-7168	18	4	of	of	ADP
aijes-7168	18	5	equal	equal	ADJ
aijes-7168	18	6	amounts	amount	NOUN
aijes-7168	18	7	(	(	PUNCT
aijes-7168	18	8	€	€	SYM
aijes-7168	18	9	5000	5000	NUM
aijes-7168	18	10	)	)	PUNCT
aijes-7168	18	11	across	across	ADP
aijes-7168	18	12	varying	vary	VERB
aijes-7168	18	13	repayment	repayment	NOUN
aijes-7168	18	14	terms	term	NOUN
aijes-7168	18	15	,	,	PUNCT
aijes-7168	18	16	the	the	DET
aijes-7168	18	17	study	study	NOUN
aijes-7168	18	18	aims	aim	VERB
aijes-7168	18	19	to	to	PART
aijes-7168	18	20	determine	determine	VERB
aijes-7168	18	21	how	how	SCONJ
aijes-7168	18	22	differences	difference	NOUN
aijes-7168	18	23	in	in	ADP
aijes-7168	18	24	interest	interest	NOUN
aijes-7168	18	25	fees	fee	NOUN
aijes-7168	18	26	,	,	PUNCT
aijes-7168	18	27	administrative	administrative	ADJ
aijes-7168	18	28	fees	fee	NOUN
aijes-7168	18	29	,	,	PUNCT
aijes-7168	18	30	and	and	CCONJ
aijes-7168	18	31	loan	loan	NOUN
aijes-7168	18	32	durations	duration	NOUN
aijes-7168	18	33	affect	affect	VERB
aijes-7168	18	34	the	the	DET
aijes-7168	18	35	total	total	ADJ
aijes-7168	18	36	cost	cost	NOUN
aijes-7168	18	37	of	of	ADP
aijes-7168	18	38	borrowing	borrowing	NOUN
aijes-7168	18	39	.	.	PUNCT
aijes-7168	19	1	through	through	ADP
aijes-7168	19	2	this	this	DET
aijes-7168	19	3	assessment	assessment	NOUN
aijes-7168	19	4	,	,	PUNCT
aijes-7168	19	5	the	the	DET
aijes-7168	19	6	report	report	NOUN
aijes-7168	19	7	seeks	seek	VERB
aijes-7168	19	8	to	to	PART
aijes-7168	19	9	mailto:mante.prysmantaite@vm.stud.vu.lt	mailto:mante.prysmantaite@vm.stud.vu.lt	VERB
aijes-7168	19	10	mailto:astijus.markauskas@vm.stud.vu.lt	mailto:astijus.markauskas@vm.stud.vu.lt	NOUN
aijes-7168	19	11	mailto:jekaterina.kartasova@vm.vu.lt	mailto:jekaterina.kartasova@vm.vu.lt	PROPN
aijes-7168	19	12	time	time	NOUN
aijes-7168	19	13	value	value	NOUN
aijes-7168	19	14	of	of	ADP
aijes-7168	19	15	money	money	NOUN
aijes-7168	19	16	in	in	ADP
aijes-7168	19	17	the	the	DET
aijes-7168	19	18	lithuanian	lithuanian	ADJ
aijes-7168	19	19	credit	credit	NOUN
aijes-7168	19	20	market	market	NOUN
aijes-7168	19	21	:	:	PUNCT
aijes-7168	19	22	a	a	DET
aijes-7168	19	23	practical	practical	ADJ
aijes-7168	19	24	analysis	analysis	NOUN
aijes-7168	19	25	of	of	ADP
aijes-7168	19	26	consumer	consumer	NOUN
aijes-7168	19	27	loan	loan	NOUN
aijes-7168	19	28	offers	offer	VERB
aijes-7168	19	29	400	400	NUM
aijes-7168	19	30	identify	identify	VERB
aijes-7168	19	31	the	the	DET
aijes-7168	19	32	most	most	ADV
aijes-7168	19	33	financially	financially	ADV
aijes-7168	19	34	efficient	efficient	ADJ
aijes-7168	19	35	loan	loan	NOUN
aijes-7168	19	36	offer	offer	NOUN
aijes-7168	19	37	and	and	CCONJ
aijes-7168	19	38	to	to	PART
aijes-7168	19	39	demonstrate	demonstrate	VERB
aijes-7168	19	40	how	how	SCONJ
aijes-7168	19	41	the	the	DET
aijes-7168	19	42	concept	concept	NOUN
aijes-7168	19	43	of	of	ADP
aijes-7168	19	44	tvm	tvm	PROPN
aijes-7168	19	45	can	can	AUX
aijes-7168	19	46	serve	serve	VERB
aijes-7168	19	47	as	as	ADP
aijes-7168	19	48	a	a	DET
aijes-7168	19	49	tool	tool	NOUN
aijes-7168	19	50	for	for	SCONJ
aijes-7168	19	51	consumers	consumer	NOUN
aijes-7168	19	52	to	to	PART
aijes-7168	19	53	make	make	VERB
aijes-7168	19	54	informed	informed	ADJ
aijes-7168	19	55	borrowing	borrowing	NOUN
aijes-7168	19	56	decisions	decision	NOUN
aijes-7168	19	57	.	.	PUNCT
aijes-7168	20	1	2	2	X
aijes-7168	20	2	.	.	X
aijes-7168	20	3	literature	literature	NOUN
aijes-7168	20	4	analysis	analysis	NOUN
aijes-7168	20	5	the	the	DET
aijes-7168	20	6	concept	concept	NOUN
aijes-7168	20	7	of	of	ADP
aijes-7168	20	8	the	the	DET
aijes-7168	20	9	time	time	NOUN
aijes-7168	20	10	value	value	NOUN
aijes-7168	20	11	of	of	ADP
aijes-7168	20	12	money	money	NOUN
aijes-7168	20	13	(	(	PUNCT
aijes-7168	20	14	tvm	tvm	PROPN
aijes-7168	20	15	)	)	PUNCT
aijes-7168	20	16	is	be	AUX
aijes-7168	20	17	a	a	DET
aijes-7168	20	18	foundational	foundational	ADJ
aijes-7168	20	19	principle	principle	NOUN
aijes-7168	20	20	in	in	ADP
aijes-7168	20	21	finance	finance	NOUN
aijes-7168	20	22	,	,	PUNCT
aijes-7168	20	23	which	which	PRON
aijes-7168	20	24	claims	claim	VERB
aijes-7168	20	25	that	that	SCONJ
aijes-7168	20	26	a	a	DET
aijes-7168	20	27	monetary	monetary	ADJ
aijes-7168	20	28	unit	unit	NOUN
aijes-7168	20	29	in	in	ADP
aijes-7168	20	30	the	the	DET
aijes-7168	20	31	present	present	ADJ
aijes-7168	20	32	time	time	NOUN
aijes-7168	20	33	is	be	AUX
aijes-7168	20	34	worth	worth	ADJ
aijes-7168	20	35	more	more	ADJ
aijes-7168	20	36	than	than	ADP
aijes-7168	20	37	the	the	DET
aijes-7168	20	38	same	same	ADJ
aijes-7168	20	39	unit	unit	NOUN
aijes-7168	20	40	received	receive	VERB
aijes-7168	20	41	in	in	ADP
aijes-7168	20	42	the	the	DET
aijes-7168	20	43	future	future	NOUN
aijes-7168	20	44	.	.	PUNCT
aijes-7168	21	1	the	the	DET
aijes-7168	21	2	principle	principle	NOUN
aijes-7168	21	3	explains	explain	VERB
aijes-7168	21	4	the	the	DET
aijes-7168	21	5	potential	potential	NOUN
aijes-7168	21	6	of	of	ADP
aijes-7168	21	7	current	current	ADJ
aijes-7168	21	8	funds	fund	NOUN
aijes-7168	21	9	earning	earn	VERB
aijes-7168	21	10	returns	return	NOUN
aijes-7168	21	11	over	over	ADP
aijes-7168	21	12	time	time	NOUN
aijes-7168	21	13	,	,	PUNCT
aijes-7168	21	14	which	which	PRON
aijes-7168	21	15	is	be	AUX
aijes-7168	21	16	a	a	DET
aijes-7168	21	17	central	central	ADJ
aijes-7168	21	18	notion	notion	NOUN
aijes-7168	21	19	in	in	ADP
aijes-7168	21	20	financial	financial	ADJ
aijes-7168	21	21	decision	decision	NOUN
aijes-7168	21	22	-	-	PUNCT
aijes-7168	21	23	making	making	NOUN
aijes-7168	21	24	(	(	PUNCT
aijes-7168	21	25	fabozzi	fabozzi	NOUN
aijes-7168	21	26	,	,	PUNCT
aijes-7168	21	27	2021	2021	NUM
aijes-7168	21	28	)	)	PUNCT
aijes-7168	21	29	.	.	PUNCT
aijes-7168	22	1	in	in	ADP
aijes-7168	22	2	finance	finance	NOUN
aijes-7168	22	3	,	,	PUNCT
aijes-7168	22	4	the	the	DET
aijes-7168	22	5	tvm	tvm	PROPN
aijes-7168	22	6	is	be	AUX
aijes-7168	22	7	used	use	VERB
aijes-7168	22	8	not	not	PART
aijes-7168	22	9	only	only	ADV
aijes-7168	22	10	as	as	ADP
aijes-7168	22	11	a	a	DET
aijes-7168	22	12	theoretical	theoretical	ADJ
aijes-7168	22	13	foundation	foundation	NOUN
aijes-7168	22	14	but	but	CCONJ
aijes-7168	22	15	also	also	ADV
aijes-7168	22	16	as	as	ADP
aijes-7168	22	17	a	a	DET
aijes-7168	22	18	practical	practical	ADJ
aijes-7168	22	19	tool	tool	NOUN
aijes-7168	22	20	to	to	PART
aijes-7168	22	21	evaluate	evaluate	VERB
aijes-7168	22	22	loans	loan	NOUN
aijes-7168	22	23	,	,	PUNCT
aijes-7168	22	24	investments	investment	NOUN
aijes-7168	22	25	,	,	PUNCT
aijes-7168	22	26	and	and	CCONJ
aijes-7168	22	27	annuities	annuity	NOUN
aijes-7168	22	28	understanding	understand	VERB
aijes-7168	22	29	tvm	tvm	PROPN
aijes-7168	22	30	is	be	AUX
aijes-7168	22	31	necessary	necessary	ADJ
aijes-7168	22	32	to	to	PART
aijes-7168	22	33	accurately	accurately	ADV
aijes-7168	22	34	determine	determine	VERB
aijes-7168	22	35	the	the	DET
aijes-7168	22	36	value	value	NOUN
aijes-7168	22	37	of	of	ADP
aijes-7168	22	38	financial	financial	ADJ
aijes-7168	22	39	assets	asset	NOUN
aijes-7168	22	40	with	with	ADP
aijes-7168	22	41	cash	cash	NOUN
aijes-7168	22	42	flows	flow	NOUN
aijes-7168	22	43	(	(	PUNCT
aijes-7168	22	44	brigham	brigham	PROPN
aijes-7168	22	45	&	&	CCONJ
aijes-7168	22	46	ehrhardt	ehrhardt	PROPN
aijes-7168	22	47	,	,	PUNCT
aijes-7168	22	48	2017	2017	NUM
aijes-7168	22	49	)	)	PUNCT
aijes-7168	22	50	.	.	PUNCT
aijes-7168	23	1	similarly	similarly	ADV
aijes-7168	23	2	,	,	PUNCT
aijes-7168	23	3	ross	ross	PROPN
aijes-7168	23	4	,	,	PUNCT
aijes-7168	23	5	westerfield	westerfield	PROPN
aijes-7168	23	6	,	,	PUNCT
aijes-7168	23	7	and	and	CCONJ
aijes-7168	23	8	jordan	jordan	PROPN
aijes-7168	23	9	(	(	PUNCT
aijes-7168	23	10	2003	2003	NUM
aijes-7168	23	11	)	)	PUNCT
aijes-7168	23	12	present	present	VERB
aijes-7168	23	13	the	the	DET
aijes-7168	23	14	tvm	tvm	PROPN
aijes-7168	23	15	as	as	ADP
aijes-7168	23	16	a	a	DET
aijes-7168	23	17	framework	framework	NOUN
aijes-7168	23	18	through	through	ADP
aijes-7168	23	19	which	which	PRON
aijes-7168	23	20	all	all	DET
aijes-7168	23	21	future	future	ADJ
aijes-7168	23	22	cash	cash	NOUN
aijes-7168	23	23	flows	flow	NOUN
aijes-7168	23	24	are	be	AUX
aijes-7168	23	25	evaluated	evaluate	VERB
aijes-7168	23	26	,	,	PUNCT
aijes-7168	23	27	mainly	mainly	ADV
aijes-7168	23	28	in	in	ADP
aijes-7168	23	29	the	the	DET
aijes-7168	23	30	context	context	NOUN
aijes-7168	23	31	of	of	ADP
aijes-7168	23	32	investment	investment	NOUN
aijes-7168	23	33	appraisal	appraisal	NOUN
aijes-7168	23	34	and	and	CCONJ
aijes-7168	23	35	capital	capital	NOUN
aijes-7168	23	36	budgeting	budgeting	NOUN
aijes-7168	23	37	.	.	PUNCT
aijes-7168	24	1	the	the	DET
aijes-7168	24	2	authors	author	NOUN
aijes-7168	24	3	emphasize	emphasize	VERB
aijes-7168	24	4	that	that	SCONJ
aijes-7168	24	5	without	without	ADP
aijes-7168	24	6	appropriate	appropriate	ADJ
aijes-7168	24	7	discounting	discounting	NOUN
aijes-7168	24	8	of	of	ADP
aijes-7168	24	9	future	future	ADJ
aijes-7168	24	10	values	value	NOUN
aijes-7168	24	11	,	,	PUNCT
aijes-7168	24	12	financial	financial	ADJ
aijes-7168	24	13	analysis	analysis	NOUN
aijes-7168	24	14	becomes	become	VERB
aijes-7168	24	15	flawed	flawed	ADJ
aijes-7168	24	16	.	.	PUNCT
aijes-7168	25	1	to	to	PART
aijes-7168	25	2	reinforce	reinforce	VERB
aijes-7168	25	3	this	this	DET
aijes-7168	25	4	perspective	perspective	NOUN
aijes-7168	25	5	,	,	PUNCT
aijes-7168	25	6	gitman	gitman	NOUN
aijes-7168	25	7	and	and	CCONJ
aijes-7168	25	8	zutter	zutter	NOUN
aijes-7168	25	9	(	(	PUNCT
aijes-7168	25	10	2015	2015	NUM
aijes-7168	25	11	)	)	PUNCT
aijes-7168	25	12	describe	describe	VERB
aijes-7168	25	13	tvm	tvm	PROPN
aijes-7168	25	14	as	as	ADP
aijes-7168	25	15	a	a	DET
aijes-7168	25	16	foundation	foundation	NOUN
aijes-7168	25	17	to	to	ADP
aijes-7168	25	18	financial	financial	ADJ
aijes-7168	25	19	rationality	rationality	NOUN
aijes-7168	25	20	,	,	PUNCT
aijes-7168	25	21	a	a	DET
aijes-7168	25	22	tool	tool	NOUN
aijes-7168	25	23	that	that	PRON
aijes-7168	25	24	allows	allow	VERB
aijes-7168	25	25	decision	decision	NOUN
aijes-7168	25	26	-	-	PUNCT
aijes-7168	25	27	makers	maker	NOUN
aijes-7168	25	28	to	to	PART
aijes-7168	25	29	track	track	VERB
aijes-7168	25	30	the	the	DET
aijes-7168	25	31	trade	trade	NOUN
aijes-7168	25	32	-	-	PUNCT
aijes-7168	25	33	off	off	NOUN
aijes-7168	25	34	between	between	ADP
aijes-7168	25	35	immediate	immediate	ADJ
aijes-7168	25	36	consumption	consumption	NOUN
aijes-7168	25	37	and	and	CCONJ
aijes-7168	25	38	deferred	deferred	ADJ
aijes-7168	25	39	investment	investment	NOUN
aijes-7168	25	40	.	.	PUNCT
aijes-7168	26	1	the	the	DET
aijes-7168	26	2	quantitative	quantitative	ADJ
aijes-7168	26	3	foundation	foundation	NOUN
aijes-7168	26	4	of	of	ADP
aijes-7168	26	5	tvm	tvm	PROPN
aijes-7168	26	6	comprises	comprise	VERB
aijes-7168	26	7	several	several	ADJ
aijes-7168	26	8	key	key	ADJ
aijes-7168	26	9	formulas	formula	NOUN
aijes-7168	26	10	that	that	PRON
aijes-7168	26	11	enable	enable	VERB
aijes-7168	26	12	the	the	DET
aijes-7168	26	13	valuation	valuation	NOUN
aijes-7168	26	14	of	of	ADP
aijes-7168	26	15	cash	cash	NOUN
aijes-7168	26	16	flows	flow	NOUN
aijes-7168	26	17	occurring	occur	VERB
aijes-7168	26	18	at	at	ADP
aijes-7168	26	19	different	different	ADJ
aijes-7168	26	20	points	point	NOUN
aijes-7168	26	21	in	in	ADP
aijes-7168	26	22	time	time	NOUN
aijes-7168	26	23	.	.	PUNCT
aijes-7168	27	1	present	present	ADJ
aijes-7168	27	2	value	value	NOUN
aijes-7168	27	3	(	(	PUNCT
aijes-7168	27	4	pv	pv	NOUN
aijes-7168	27	5	)	)	PUNCT
aijes-7168	27	6	reflects	reflect	VERB
aijes-7168	27	7	the	the	DET
aijes-7168	27	8	current	current	ADJ
aijes-7168	27	9	worth	worth	NOUN
aijes-7168	27	10	of	of	ADP
aijes-7168	27	11	money	money	NOUN
aijes-7168	27	12	that	that	PRON
aijes-7168	27	13	will	will	AUX
aijes-7168	27	14	be	be	AUX
aijes-7168	27	15	paid	pay	VERB
aijes-7168	27	16	or	or	CCONJ
aijes-7168	27	17	received	receive	VERB
aijes-7168	27	18	in	in	ADP
aijes-7168	27	19	the	the	DET
aijes-7168	27	20	future	future	NOUN
aijes-7168	27	21	.	.	PUNCT
aijes-7168	28	1	the	the	DET
aijes-7168	28	2	calculation	calculation	NOUN
aijes-7168	28	3	of	of	ADP
aijes-7168	28	4	pv	pv	NOUN
aijes-7168	28	5	involves	involve	NOUN
aijes-7168	28	6	discounting	discount	VERB
aijes-7168	28	7	the	the	DET
aijes-7168	28	8	future	future	ADJ
aijes-7168	28	9	cash	cash	NOUN
aijes-7168	28	10	flows	flow	VERB
aijes-7168	28	11	back	back	ADV
aijes-7168	28	12	to	to	ADP
aijes-7168	28	13	today	today	NOUN
aijes-7168	28	14	’s	’s	PART
aijes-7168	28	15	terms	term	NOUN
aijes-7168	28	16	by	by	ADP
aijes-7168	28	17	accounting	account	VERB
aijes-7168	28	18	for	for	ADP
aijes-7168	28	19	the	the	DET
aijes-7168	28	20	opportunity	opportunity	NOUN
aijes-7168	28	21	cost	cost	NOUN
aijes-7168	28	22	of	of	ADP
aijes-7168	28	23	capital	capital	NOUN
aijes-7168	28	24	or	or	CCONJ
aijes-7168	28	25	interest	interest	NOUN
aijes-7168	28	26	rate	rate	NOUN
aijes-7168	28	27	(	(	PUNCT
aijes-7168	28	28	brealey	brealey	PROPN
aijes-7168	28	29	et	et	PROPN
aijes-7168	28	30	al	al	PROPN
aijes-7168	28	31	.	.	PROPN
aijes-7168	28	32	,	,	PUNCT
aijes-7168	28	33	2000	2000	NUM
aijes-7168	28	34	)	)	PUNCT
aijes-7168	28	35	.	.	PUNCT
aijes-7168	29	1	future	future	ADJ
aijes-7168	29	2	value	value	NOUN
aijes-7168	29	3	(	(	PUNCT
aijes-7168	29	4	fv	fv	X
aijes-7168	29	5	)	)	PUNCT
aijes-7168	29	6	represents	represent	VERB
aijes-7168	29	7	the	the	DET
aijes-7168	29	8	amount	amount	NOUN
aijes-7168	29	9	an	an	DET
aijes-7168	29	10	initial	initial	ADJ
aijes-7168	29	11	investment	investment	NOUN
aijes-7168	29	12	will	will	AUX
aijes-7168	29	13	grow	grow	VERB
aijes-7168	29	14	to	to	ADP
aijes-7168	29	15	at	at	ADP
aijes-7168	29	16	a	a	DET
aijes-7168	29	17	specified	specified	ADJ
aijes-7168	29	18	point	point	NOUN
aijes-7168	29	19	in	in	ADP
aijes-7168	29	20	the	the	DET
aijes-7168	29	21	future	future	NOUN
aijes-7168	29	22	,	,	PUNCT
aijes-7168	29	23	assuming	assume	VERB
aijes-7168	29	24	it	it	PRON
aijes-7168	29	25	earns	earn	VERB
aijes-7168	29	26	interest	interest	NOUN
aijes-7168	29	27	or	or	CCONJ
aijes-7168	29	28	returns	return	NOUN
aijes-7168	29	29	over	over	ADP
aijes-7168	29	30	time	time	NOUN
aijes-7168	29	31	.	.	PUNCT
aijes-7168	30	1	it	it	PRON
aijes-7168	30	2	captures	capture	VERB
aijes-7168	30	3	the	the	DET
aijes-7168	30	4	compounding	compounding	NOUN
aijes-7168	30	5	effect	effect	NOUN
aijes-7168	30	6	,	,	PUNCT
aijes-7168	30	7	where	where	SCONJ
aijes-7168	30	8	interest	interest	NOUN
aijes-7168	30	9	is	be	AUX
aijes-7168	30	10	earned	earn	VERB
aijes-7168	30	11	not	not	PART
aijes-7168	30	12	only	only	ADV
aijes-7168	30	13	on	on	ADP
aijes-7168	30	14	the	the	DET
aijes-7168	30	15	original	original	ADJ
aijes-7168	30	16	principal	principal	NOUN
aijes-7168	30	17	but	but	CCONJ
aijes-7168	30	18	also	also	ADV
aijes-7168	30	19	on	on	ADP
aijes-7168	30	20	accumulated	accumulated	ADJ
aijes-7168	30	21	interest	interest	NOUN
aijes-7168	30	22	from	from	ADP
aijes-7168	30	23	prior	prior	ADJ
aijes-7168	30	24	periods	period	NOUN
aijes-7168	30	25	(	(	PUNCT
aijes-7168	30	26	gitman	gitman	NOUN
aijes-7168	30	27	&	&	CCONJ
aijes-7168	30	28	zutter	zutter	PROPN
aijes-7168	30	29	,	,	PUNCT
aijes-7168	30	30	2006	2006	NUM
aijes-7168	30	31	)	)	PUNCT
aijes-7168	30	32	.	.	PUNCT
aijes-7168	31	1	payment	payment	NOUN
aijes-7168	31	2	(	(	PUNCT
aijes-7168	31	3	pmt	pmt	PROPN
aijes-7168	31	4	)	)	PUNCT
aijes-7168	31	5	explains	explain	VERB
aijes-7168	31	6	the	the	DET
aijes-7168	31	7	regular	regular	ADJ
aijes-7168	31	8	,	,	PUNCT
aijes-7168	31	9	fixed	fix	VERB
aijes-7168	31	10	amount	amount	NOUN
aijes-7168	31	11	of	of	ADP
aijes-7168	31	12	money	money	NOUN
aijes-7168	31	13	paid	pay	VERB
aijes-7168	31	14	or	or	CCONJ
aijes-7168	31	15	received	receive	VERB
aijes-7168	31	16	in	in	ADP
aijes-7168	31	17	each	each	DET
aijes-7168	31	18	period	period	NOUN
aijes-7168	31	19	of	of	ADP
aijes-7168	31	20	a	a	DET
aijes-7168	31	21	financial	financial	ADJ
aijes-7168	31	22	agreement	agreement	NOUN
aijes-7168	31	23	,	,	PUNCT
aijes-7168	31	24	such	such	ADJ
aijes-7168	31	25	as	as	ADP
aijes-7168	31	26	a	a	DET
aijes-7168	31	27	loan	loan	NOUN
aijes-7168	31	28	or	or	CCONJ
aijes-7168	31	29	an	an	DET
aijes-7168	31	30	annuity	annuity	NOUN
aijes-7168	31	31	.	.	PUNCT
aijes-7168	32	1	it	it	PRON
aijes-7168	32	2	is	be	AUX
aijes-7168	32	3	calculated	calculate	VERB
aijes-7168	32	4	based	base	VERB
aijes-7168	32	5	on	on	ADP
aijes-7168	32	6	the	the	DET
aijes-7168	32	7	loan	loan	NOUN
aijes-7168	32	8	amount	amount	NOUN
aijes-7168	32	9	or	or	CCONJ
aijes-7168	32	10	investment	investment	NOUN
aijes-7168	32	11	principal	principal	NOUN
aijes-7168	32	12	,	,	PUNCT
aijes-7168	32	13	the	the	DET
aijes-7168	32	14	interest	interest	NOUN
aijes-7168	32	15	rate	rate	NOUN
aijes-7168	32	16	per	per	ADP
aijes-7168	32	17	period	period	NOUN
aijes-7168	32	18	,	,	PUNCT
aijes-7168	32	19	and	and	CCONJ
aijes-7168	32	20	the	the	DET
aijes-7168	32	21	total	total	ADJ
aijes-7168	32	22	number	number	NOUN
aijes-7168	32	23	of	of	ADP
aijes-7168	32	24	payment	payment	NOUN
aijes-7168	32	25	periods	period	NOUN
aijes-7168	32	26	(	(	PUNCT
aijes-7168	32	27	bracker	bracker	PROPN
aijes-7168	32	28	&	&	CCONJ
aijes-7168	32	29	lin	lin	PROPN
aijes-7168	32	30	,	,	PUNCT
aijes-7168	32	31	2018	2018	NUM
aijes-7168	32	32	)	)	PUNCT
aijes-7168	32	33	.	.	PUNCT
aijes-7168	33	1	interest	interest	NOUN
aijes-7168	33	2	rate	rate	NOUN
aijes-7168	33	3	is	be	AUX
aijes-7168	33	4	used	use	VERB
aijes-7168	33	5	to	to	PART
aijes-7168	33	6	discount	discount	VERB
aijes-7168	33	7	or	or	CCONJ
aijes-7168	33	8	grow	grow	VERB
aijes-7168	33	9	money	money	NOUN
aijes-7168	33	10	over	over	ADP
aijes-7168	33	11	time	time	NOUN
aijes-7168	33	12	.	.	PUNCT
aijes-7168	34	1	it	it	PRON
aijes-7168	34	2	represents	represent	VERB
aijes-7168	34	3	the	the	DET
aijes-7168	34	4	cost	cost	NOUN
aijes-7168	34	5	of	of	ADP
aijes-7168	34	6	borrowing	borrowing	NOUN
aijes-7168	34	7	or	or	CCONJ
aijes-7168	34	8	the	the	DET
aijes-7168	34	9	return	return	NOUN
aijes-7168	34	10	on	on	ADP
aijes-7168	34	11	investment	investment	NOUN
aijes-7168	34	12	,	,	PUNCT
aijes-7168	34	13	and	and	CCONJ
aijes-7168	34	14	is	be	AUX
aijes-7168	34	15	expressed	express	VERB
aijes-7168	34	16	as	as	ADP
aijes-7168	34	17	an	an	DET
aijes-7168	34	18	annual	annual	ADJ
aijes-7168	34	19	percentage	percentage	NOUN
aijes-7168	34	20	,	,	PUNCT
aijes-7168	34	21	though	though	SCONJ
aijes-7168	34	22	in	in	ADP
aijes-7168	34	23	most	most	ADJ
aijes-7168	34	24	cases	case	NOUN
aijes-7168	34	25	it	it	PRON
aijes-7168	34	26	needs	need	VERB
aijes-7168	34	27	to	to	PART
aijes-7168	34	28	be	be	AUX
aijes-7168	34	29	adjusted	adjust	VERB
aijes-7168	34	30	to	to	PART
aijes-7168	34	31	match	match	VERB
aijes-7168	34	32	the	the	DET
aijes-7168	34	33	frequency	frequency	NOUN
aijes-7168	34	34	of	of	ADP
aijes-7168	34	35	the	the	DET
aijes-7168	34	36	payment	payment	NOUN
aijes-7168	34	37	(	(	PUNCT
aijes-7168	34	38	monthly	monthly	ADJ
aijes-7168	34	39	,	,	PUNCT
aijes-7168	34	40	quarterly	quarterly	ADJ
aijes-7168	34	41	,	,	PUNCT
aijes-7168	34	42	etc	etc	X
aijes-7168	34	43	.	.	X
aijes-7168	34	44	)	)	PUNCT
aijes-7168	35	1	(	(	PUNCT
aijes-7168	35	2	westerfield	westerfield	PROPN
aijes-7168	35	3	et	et	PROPN
aijes-7168	35	4	.	.	PUNCT
aijes-7168	36	1	al	al	PROPN
aijes-7168	36	2	.	.	PROPN
aijes-7168	36	3	,	,	PUNCT
aijes-7168	36	4	2019	2019	NUM
aijes-7168	36	5	)	)	PUNCT
aijes-7168	36	6	.	.	PUNCT
aijes-7168	37	1	as	as	ADP
aijes-7168	37	2	for	for	ADP
aijes-7168	37	3	total	total	ADJ
aijes-7168	37	4	repayment	repayment	NOUN
aijes-7168	37	5	and	and	CCONJ
aijes-7168	37	6	total	total	ADJ
aijes-7168	37	7	interest	interest	NOUN
aijes-7168	37	8	paid	pay	VERB
aijes-7168	37	9	,	,	PUNCT
aijes-7168	37	10	the	the	DET
aijes-7168	37	11	former	former	ADJ
aijes-7168	37	12	is	be	AUX
aijes-7168	37	13	the	the	DET
aijes-7168	37	14	sum	sum	NOUN
aijes-7168	37	15	of	of	ADP
aijes-7168	37	16	all	all	DET
aijes-7168	37	17	payments	payment	NOUN
aijes-7168	37	18	made	make	VERB
aijes-7168	37	19	over	over	ADP
aijes-7168	37	20	the	the	DET
aijes-7168	37	21	entire	entire	ADJ
aijes-7168	37	22	term	term	NOUN
aijes-7168	37	23	of	of	ADP
aijes-7168	37	24	a	a	DET
aijes-7168	37	25	loan	loan	NOUN
aijes-7168	37	26	or	or	CCONJ
aijes-7168	37	27	investment	investment	NOUN
aijes-7168	37	28	,	,	PUNCT
aijes-7168	37	29	representing	represent	VERB
aijes-7168	37	30	the	the	DET
aijes-7168	37	31	full	full	ADJ
aijes-7168	37	32	amount	amount	NOUN
aijes-7168	37	33	returned	return	VERB
aijes-7168	37	34	by	by	ADP
aijes-7168	37	35	the	the	DET
aijes-7168	37	36	borrower	borrower	NOUN
aijes-7168	37	37	to	to	ADP
aijes-7168	37	38	the	the	DET
aijes-7168	37	39	lender	lender	NOUN
aijes-7168	37	40	,	,	PUNCT
aijes-7168	37	41	and	and	CCONJ
aijes-7168	37	42	the	the	DET
aijes-7168	37	43	latter	latter	ADJ
aijes-7168	37	44	indicates	indicate	VERB
aijes-7168	37	45	how	how	SCONJ
aijes-7168	37	46	much	much	ADJ
aijes-7168	37	47	additional	additional	ADJ
aijes-7168	37	48	money	money	NOUN
aijes-7168	37	49	is	be	AUX
aijes-7168	37	50	paid	pay	VERB
aijes-7168	37	51	over	over	ADP
aijes-7168	37	52	the	the	DET
aijes-7168	37	53	original	original	ADJ
aijes-7168	37	54	amount	amount	NOUN
aijes-7168	37	55	borrowed	borrow	VERB
aijes-7168	37	56	or	or	CCONJ
aijes-7168	37	57	invested	invest	VERB
aijes-7168	37	58	,	,	PUNCT
aijes-7168	37	59	due	due	ADP
aijes-7168	37	60	to	to	ADP
aijes-7168	37	61	interest	interest	NOUN
aijes-7168	37	62	accumulation	accumulation	NOUN
aijes-7168	37	63	(	(	PUNCT
aijes-7168	37	64	mishkin	mishkin	PROPN
aijes-7168	37	65	&	&	CCONJ
aijes-7168	37	66	eakins	eakins	PROPN
aijes-7168	37	67	,	,	PUNCT
aijes-7168	37	68	2018	2018	NUM
aijes-7168	37	69	)	)	PUNCT
aijes-7168	37	70	.	.	PUNCT
aijes-7168	38	1	the	the	DET
aijes-7168	38	2	concept	concept	NOUN
aijes-7168	38	3	of	of	ADP
aijes-7168	38	4	tvm	tvm	PROPN
aijes-7168	38	5	is	be	AUX
aijes-7168	38	6	implemented	implement	VERB
aijes-7168	38	7	in	in	ADP
aijes-7168	38	8	structuring	structure	VERB
aijes-7168	38	9	loan	loan	NOUN
aijes-7168	38	10	repayment	repayment	NOUN
aijes-7168	38	11	schedules	schedule	NOUN
aijes-7168	38	12	.	.	PUNCT
aijes-7168	39	1	once	once	ADV
aijes-7168	39	2	a	a	DET
aijes-7168	39	3	borrower	borrower	NOUN
aijes-7168	39	4	takes	take	VERB
aijes-7168	39	5	out	out	ADP
aijes-7168	39	6	a	a	DET
aijes-7168	39	7	loan	loan	NOUN
aijes-7168	39	8	,	,	PUNCT
aijes-7168	39	9	the	the	DET
aijes-7168	39	10	lender	lender	NOUN
aijes-7168	39	11	will	will	AUX
aijes-7168	39	12	use	use	VERB
aijes-7168	39	13	tvm	tvm	ADJ
aijes-7168	39	14	principles	principle	NOUN
aijes-7168	39	15	to	to	PART
aijes-7168	39	16	calculate	calculate	VERB
aijes-7168	39	17	the	the	DET
aijes-7168	39	18	fixed	fix	VERB
aijes-7168	39	19	periodic	periodic	ADJ
aijes-7168	39	20	payments	payment	NOUN
aijes-7168	39	21	needed	need	VERB
aijes-7168	39	22	to	to	PART
aijes-7168	39	23	fully	fully	ADV
aijes-7168	39	24	repay	repay	VERB
aijes-7168	39	25	the	the	DET
aijes-7168	39	26	loan	loan	NOUN
aijes-7168	39	27	over	over	ADP
aijes-7168	39	28	time	time	NOUN
aijes-7168	39	29	,	,	PUNCT
aijes-7168	39	30	factoring	factor	VERB
aijes-7168	39	31	in	in	ADP
aijes-7168	39	32	the	the	DET
aijes-7168	39	33	interest	interest	NOUN
aijes-7168	39	34	rate	rate	NOUN
aijes-7168	39	35	and	and	CCONJ
aijes-7168	39	36	the	the	DET
aijes-7168	39	37	number	number	NOUN
aijes-7168	39	38	of	of	ADP
aijes-7168	39	39	payment	payment	NOUN
aijes-7168	39	40	periods	period	NOUN
aijes-7168	39	41	,	,	PUNCT
aijes-7168	39	42	which	which	PRON
aijes-7168	39	43	ensures	ensure	VERB
aijes-7168	39	44	that	that	SCONJ
aijes-7168	39	45	the	the	DET
aijes-7168	39	46	lender	lender	NOUN
aijes-7168	39	47	recovers	recover	VERB
aijes-7168	39	48	both	both	CCONJ
aijes-7168	39	49	the	the	DET
aijes-7168	39	50	interest	interest	NOUN
aijes-7168	39	51	and	and	CCONJ
aijes-7168	39	52	the	the	DET
aijes-7168	39	53	principal	principal	NOUN
aijes-7168	39	54	(	(	PUNCT
aijes-7168	39	55	dahlquist	dahlquist	NOUN
aijes-7168	39	56	&	&	CCONJ
aijes-7168	39	57	knight	knight	NOUN
aijes-7168	39	58	,	,	PUNCT
aijes-7168	39	59	2022	2022	NUM
aijes-7168	39	60	)	)	PUNCT
aijes-7168	39	61	.	.	PUNCT
aijes-7168	40	1	borrowers	borrower	NOUN
aijes-7168	40	2	are	be	AUX
aijes-7168	40	3	often	often	ADV
aijes-7168	40	4	faced	face	VERB
aijes-7168	40	5	with	with	ADP
aijes-7168	40	6	multiple	multiple	ADJ
aijes-7168	40	7	loan	loan	NOUN
aijes-7168	40	8	options	option	NOUN
aijes-7168	40	9	with	with	ADP
aijes-7168	40	10	differing	differ	VERB
aijes-7168	40	11	interest	interest	NOUN
aijes-7168	40	12	rates	rate	NOUN
aijes-7168	40	13	,	,	PUNCT
aijes-7168	40	14	fees	fee	NOUN
aijes-7168	40	15	,	,	PUNCT
aijes-7168	40	16	and	and	CCONJ
aijes-7168	40	17	payment	payment	NOUN
aijes-7168	40	18	terms	term	NOUN
aijes-7168	40	19	.	.	PUNCT
aijes-7168	41	1	applying	apply	VERB
aijes-7168	41	2	tvm	tvm	PROPN
aijes-7168	41	3	principles	principle	NOUN
aijes-7168	41	4	allows	allow	VERB
aijes-7168	41	5	them	they	PRON
aijes-7168	41	6	to	to	PART
aijes-7168	41	7	differentiate	differentiate	VERB
aijes-7168	41	8	between	between	ADP
aijes-7168	41	9	lenders	lender	NOUN
aijes-7168	41	10	by	by	ADP
aijes-7168	41	11	calculating	calculate	VERB
aijes-7168	41	12	the	the	DET
aijes-7168	41	13	present	present	ADJ
aijes-7168	41	14	value	value	NOUN
aijes-7168	41	15	or	or	CCONJ
aijes-7168	41	16	effective	effective	ADJ
aijes-7168	41	17	cost	cost	NOUN
aijes-7168	41	18	of	of	ADP
aijes-7168	41	19	each	each	DET
aijes-7168	41	20	loan	loan	NOUN
aijes-7168	41	21	,	,	PUNCT
aijes-7168	41	22	revealing	reveal	VERB
aijes-7168	41	23	which	which	DET
aijes-7168	41	24	loan	loan	NOUN
aijes-7168	41	25	is	be	AUX
aijes-7168	41	26	truly	truly	ADV
aijes-7168	41	27	less	less	ADV
aijes-7168	41	28	expensive	expensive	ADJ
aijes-7168	41	29	when	when	SCONJ
aijes-7168	41	30	accounting	account	VERB
aijes-7168	41	31	for	for	ADP
aijes-7168	41	32	timing	timing	NOUN
aijes-7168	41	33	and	and	CCONJ
aijes-7168	41	34	size	size	NOUN
aijes-7168	41	35	of	of	ADP
aijes-7168	41	36	payments	payment	NOUN
aijes-7168	41	37	(	(	PUNCT
aijes-7168	41	38	gould	gould	NOUN
aijes-7168	41	39	,	,	PUNCT
aijes-7168	41	40	2021	2021	NUM
aijes-7168	41	41	)	)	PUNCT
aijes-7168	41	42	.	.	PUNCT
aijes-7168	42	1	3	3	X
aijes-7168	42	2	.	.	X
aijes-7168	42	3	study	study	NOUN
aijes-7168	42	4	sample	sample	NOUN
aijes-7168	42	5	three	three	NUM
aijes-7168	42	6	consumer	consumer	NOUN
aijes-7168	42	7	credit	credit	NOUN
aijes-7168	42	8	companies	company	NOUN
aijes-7168	42	9	–	–	PUNCT
aijes-7168	42	10	inbank	inbank	NOUN
aijes-7168	42	11	,	,	PUNCT
aijes-7168	42	12	artea	artea	NOUN
aijes-7168	42	13	,	,	PUNCT
aijes-7168	42	14	and	and	CCONJ
aijes-7168	42	15	saldo	saldo	PROPN
aijes-7168	42	16	bank	bank	PROPN
aijes-7168	42	17	–	–	PUNCT
aijes-7168	42	18	were	be	AUX
aijes-7168	42	19	selected	select	VERB
aijes-7168	42	20	for	for	ADP
aijes-7168	42	21	their	their	PRON
aijes-7168	42	22	active	active	ADJ
aijes-7168	42	23	presence	presence	NOUN
aijes-7168	42	24	in	in	ADP
aijes-7168	42	25	the	the	DET
aijes-7168	42	26	lithuanian	lithuanian	NOUN
aijes-7168	42	27	lending	lending	NOUN
aijes-7168	42	28	market	market	NOUN
aijes-7168	42	29	and	and	CCONJ
aijes-7168	42	30	diverse	diverse	ADJ
aijes-7168	42	31	consumer	consumer	NOUN
aijes-7168	42	32	loan	loan	NOUN
aijes-7168	42	33	offerings	offering	NOUN
aijes-7168	42	34	.	.	PUNCT
aijes-7168	43	1	on	on	ADP
aijes-7168	43	2	mantė	mantė	PROPN
aijes-7168	43	3	pryšmantaitė	pryšmantaitė	NOUN
aijes-7168	43	4	,	,	PUNCT
aijes-7168	43	5	astijus	astijus	ADJ
aijes-7168	43	6	markauskas	markauskas	PROPN
aijes-7168	43	7	,	,	PUNCT
aijes-7168	43	8	jekaterina	jekaterina	PROPN
aijes-7168	43	9	kartašova	kartašova	PROPN
aijes-7168	44	1	401	401	NUM
aijes-7168	44	2	each	each	DET
aijes-7168	44	3	of	of	ADP
aijes-7168	44	4	their	their	PRON
aijes-7168	44	5	websites	website	NOUN
aijes-7168	44	6	,	,	PUNCT
aijes-7168	44	7	an	an	DET
aijes-7168	44	8	amount	amount	NOUN
aijes-7168	44	9	of	of	ADP
aijes-7168	44	10	5000	5000	NUM
aijes-7168	44	11	eur	eur	NOUN
aijes-7168	44	12	was	be	AUX
aijes-7168	44	13	chosen	choose	VERB
aijes-7168	44	14	and	and	CCONJ
aijes-7168	44	15	found	find	VERB
aijes-7168	44	16	their	their	PRON
aijes-7168	44	17	annual	annual	ADJ
aijes-7168	44	18	interest	interest	NOUN
aijes-7168	44	19	rates	rate	NOUN
aijes-7168	44	20	respectively	respectively	ADV
aijes-7168	44	21	:	:	PUNCT
aijes-7168	44	22	7.90	7.90	NUM
aijes-7168	44	23	%	%	NOUN
aijes-7168	44	24	,	,	PUNCT
aijes-7168	44	25	9.90	9.90	NUM
aijes-7168	44	26	%	%	NOUN
aijes-7168	44	27	,	,	PUNCT
aijes-7168	44	28	12	12	NUM
aijes-7168	44	29	%	%	NOUN
aijes-7168	44	30	.	.	PUNCT
aijes-7168	45	1	although	although	SCONJ
aijes-7168	45	2	this	this	DET
aijes-7168	45	3	paper	paper	NOUN
aijes-7168	45	4	analyses	analyse	VERB
aijes-7168	45	5	three	three	NUM
aijes-7168	45	6	different	different	ADJ
aijes-7168	45	7	repayment	repayment	NOUN
aijes-7168	45	8	periods	period	NOUN
aijes-7168	45	9	(	(	PUNCT
aijes-7168	45	10	36	36	NUM
aijes-7168	45	11	months	month	NOUN
aijes-7168	45	12	,	,	PUNCT
aijes-7168	45	13	24	24	NUM
aijes-7168	45	14	months	month	NOUN
aijes-7168	45	15	,	,	PUNCT
aijes-7168	45	16	12	12	NUM
aijes-7168	45	17	months	month	NOUN
aijes-7168	45	18	)	)	PUNCT
aijes-7168	45	19	for	for	ADP
aijes-7168	45	20	the	the	DET
aijes-7168	45	21	same	same	ADJ
aijes-7168	45	22	three	three	NUM
aijes-7168	45	23	companies	company	NOUN
aijes-7168	45	24	,	,	PUNCT
aijes-7168	45	25	the	the	DET
aijes-7168	45	26	annual	annual	ADJ
aijes-7168	45	27	interest	interest	NOUN
aijes-7168	45	28	rate	rate	NOUN
aijes-7168	45	29	did	do	AUX
aijes-7168	45	30	not	not	PART
aijes-7168	45	31	change	change	VERB
aijes-7168	45	32	for	for	ADP
aijes-7168	45	33	all	all	DET
aijes-7168	45	34	three	three	NUM
aijes-7168	45	35	terms	term	NOUN
aijes-7168	45	36	.	.	PUNCT
aijes-7168	46	1	additionally	additionally	ADV
aijes-7168	46	2	,	,	PUNCT
aijes-7168	46	3	all	all	DET
aijes-7168	46	4	three	three	NUM
aijes-7168	46	5	companies	company	NOUN
aijes-7168	46	6	have	have	VERB
aijes-7168	46	7	administration	administration	NOUN
aijes-7168	46	8	fees	fee	NOUN
aijes-7168	46	9	:	:	PUNCT
aijes-7168	46	10	inbank	inbank	NOUN
aijes-7168	46	11	–	–	PUNCT
aijes-7168	46	12	monthly	monthly	ADJ
aijes-7168	46	13	0.29	0.29	NUM
aijes-7168	46	14	%	%	NOUN
aijes-7168	46	15	of	of	ADP
aijes-7168	46	16	the	the	DET
aijes-7168	46	17	borrowed	borrow	VERB
aijes-7168	46	18	amount	amount	NOUN
aijes-7168	46	19	;	;	PUNCT
aijes-7168	46	20	artea	artea	NOUN
aijes-7168	46	21	–	–	PUNCT
aijes-7168	46	22	monthly	monthly	ADJ
aijes-7168	46	23	0.25	0.25	NUM
aijes-7168	46	24	%	%	NOUN
aijes-7168	46	25	of	of	ADP
aijes-7168	46	26	the	the	DET
aijes-7168	46	27	borrowed	borrow	VERB
aijes-7168	46	28	amount	amount	NOUN
aijes-7168	46	29	;	;	PUNCT
aijes-7168	46	30	saldo	saldo	PROPN
aijes-7168	46	31	bank	bank	PROPN
aijes-7168	46	32	–	–	PUNCT
aijes-7168	46	33	8,95	8,95	NUM
aijes-7168	46	34	€	€	NOUN
aijes-7168	46	35	/	/	SYM
aijes-7168	46	36	month	month	NOUN
aijes-7168	46	37	.	.	PUNCT
aijes-7168	47	1	4	4	X
aijes-7168	47	2	.	.	X
aijes-7168	47	3	methodology	methodology	NOUN
aijes-7168	47	4	this	this	DET
aijes-7168	47	5	analysis	analysis	NOUN
aijes-7168	47	6	applies	apply	VERB
aijes-7168	47	7	time	time	NOUN
aijes-7168	47	8	value	value	NOUN
aijes-7168	47	9	of	of	ADP
aijes-7168	47	10	money	money	NOUN
aijes-7168	47	11	(	(	PUNCT
aijes-7168	47	12	tvm	tvm	PROPN
aijes-7168	47	13	)	)	PUNCT
aijes-7168	47	14	principles	principle	NOUN
aijes-7168	47	15	to	to	PART
aijes-7168	47	16	evaluate	evaluate	VERB
aijes-7168	47	17	and	and	CCONJ
aijes-7168	47	18	compare	compare	VERB
aijes-7168	47	19	three	three	NUM
aijes-7168	47	20	consumer	consumer	NOUN
aijes-7168	47	21	loan	loan	NOUN
aijes-7168	47	22	offers	offer	NOUN
aijes-7168	47	23	from	from	ADP
aijes-7168	47	24	inbank	inbank	NOUN
aijes-7168	47	25	,	,	PUNCT
aijes-7168	47	26	artea	artea	NOUN
aijes-7168	47	27	,	,	PUNCT
aijes-7168	47	28	and	and	CCONJ
aijes-7168	47	29	saldo	saldo	PROPN
aijes-7168	47	30	bank	bank	PROPN
aijes-7168	47	31	.	.	PUNCT
aijes-7168	48	1	all	all	DET
aijes-7168	48	2	three	three	NUM
aijes-7168	48	3	companies	company	NOUN
aijes-7168	48	4	were	be	AUX
aijes-7168	48	5	analyzed	analyze	VERB
aijes-7168	48	6	assuming	assume	VERB
aijes-7168	48	7	an	an	DET
aijes-7168	48	8	identical	identical	ADJ
aijes-7168	48	9	loan	loan	NOUN
aijes-7168	48	10	amount	amount	NOUN
aijes-7168	48	11	of	of	ADP
aijes-7168	48	12	5000	5000	NUM
aijes-7168	48	13	eur	eur	NOUN
aijes-7168	48	14	,	,	PUNCT
aijes-7168	48	15	with	with	ADP
aijes-7168	48	16	varying	vary	VERB
aijes-7168	48	17	repayment	repayment	NOUN
aijes-7168	48	18	terms	term	NOUN
aijes-7168	48	19	(	(	PUNCT
aijes-7168	48	20	36,24	36,24	NUM
aijes-7168	48	21	,	,	PUNCT
aijes-7168	48	22	and	and	CCONJ
aijes-7168	48	23	12	12	NUM
aijes-7168	48	24	months	month	NOUN
aijes-7168	48	25	)	)	PUNCT
aijes-7168	48	26	and	and	CCONJ
aijes-7168	48	27	their	their	PRON
aijes-7168	48	28	fixed	fix	VERB
aijes-7168	48	29	annual	annual	ADJ
aijes-7168	48	30	interest	interest	NOUN
aijes-7168	48	31	rates	rate	NOUN
aijes-7168	48	32	.	.	PUNCT
aijes-7168	49	1	the	the	DET
aijes-7168	49	2	goal	goal	NOUN
aijes-7168	49	3	was	be	AUX
aijes-7168	49	4	to	to	PART
aijes-7168	49	5	assess	assess	VERB
aijes-7168	49	6	how	how	SCONJ
aijes-7168	49	7	loan	loan	NOUN
aijes-7168	49	8	structure	structure	NOUN
aijes-7168	49	9	affects	affect	VERB
aijes-7168	49	10	total	total	ADJ
aijes-7168	49	11	repayment	repayment	NOUN
aijes-7168	49	12	cost	cost	NOUN
aijes-7168	49	13	and	and	CCONJ
aijes-7168	49	14	the	the	DET
aijes-7168	49	15	financial	financial	ADJ
aijes-7168	49	16	burden	burden	NOUN
aijes-7168	49	17	on	on	ADP
aijes-7168	49	18	the	the	DET
aijes-7168	49	19	borrower	borrower	NOUN
aijes-7168	49	20	over	over	ADP
aijes-7168	49	21	time	time	NOUN
aijes-7168	49	22	.	.	PUNCT
aijes-7168	50	1	to	to	PART
aijes-7168	50	2	conduct	conduct	VERB
aijes-7168	50	3	the	the	DET
aijes-7168	50	4	comparison	comparison	NOUN
aijes-7168	50	5	,	,	PUNCT
aijes-7168	50	6	the	the	DET
aijes-7168	50	7	following	follow	VERB
aijes-7168	50	8	financial	financial	ADJ
aijes-7168	50	9	indicators	indicator	NOUN
aijes-7168	50	10	were	be	AUX
aijes-7168	50	11	calculated	calculate	VERB
aijes-7168	50	12	:	:	PUNCT
aijes-7168	50	13	periodic	periodic	ADJ
aijes-7168	50	14	payment	payment	NOUN
aijes-7168	50	15	amount	amount	NOUN
aijes-7168	50	16	(	(	PUNCT
aijes-7168	50	17	pmt	pmt	PROPN
aijes-7168	50	18	)	)	PUNCT
aijes-7168	50	19	the	the	DET
aijes-7168	50	20	amount	amount	NOUN
aijes-7168	50	21	the	the	DET
aijes-7168	50	22	borrower	borrower	NOUN
aijes-7168	50	23	must	must	AUX
aijes-7168	50	24	pay	pay	VERB
aijes-7168	50	25	each	each	DET
aijes-7168	50	26	month	month	NOUN
aijes-7168	50	27	to	to	PART
aijes-7168	50	28	repay	repay	VERB
aijes-7168	50	29	the	the	DET
aijes-7168	50	30	loan	loan	NOUN
aijes-7168	50	31	.	.	PUNCT
aijes-7168	51	1	calculated	calculate	VERB
aijes-7168	51	2	using	use	VERB
aijes-7168	51	3	the	the	DET
aijes-7168	51	4	standard	standard	ADJ
aijes-7168	51	5	formula	formula	NOUN
aijes-7168	51	6	:	:	PUNCT
aijes-7168	51	7	𝑃𝑀𝑇	𝑃𝑀𝑇	NOUN
aijes-7168	51	8	=	=	SYM
aijes-7168	51	9	𝑃𝑉	𝑃𝑉	PROPN
aijes-7168	51	10	×	×	PROPN
aijes-7168	51	11	𝑟(1	𝑟(1	PROPN
aijes-7168	51	12	+	+	CCONJ
aijes-7168	51	13	𝑟)𝑛	𝑟)𝑛	X
aijes-7168	51	14	(	(	PUNCT
aijes-7168	51	15	1	1	NUM
aijes-7168	51	16	+	+	X
aijes-7168	51	17	𝑟)𝑛	𝑟)𝑛	X
aijes-7168	52	1	−	−	ADP
aijes-7168	52	2	1	1	NUM
aijes-7168	52	3	pv	pv	NOUN
aijes-7168	52	4	–	–	PUNCT
aijes-7168	52	5	present	present	ADJ
aijes-7168	52	6	value	value	NOUN
aijes-7168	52	7	r	r	NOUN
aijes-7168	52	8	–	–	PUNCT
aijes-7168	52	9	monthly	monthly	ADJ
aijes-7168	52	10	interest	interest	NOUN
aijes-7168	52	11	rate	rate	NOUN
aijes-7168	52	12	n	n	NOUN
aijes-7168	52	13	–	–	PUNCT
aijes-7168	52	14	number	number	NOUN
aijes-7168	52	15	of	of	ADP
aijes-7168	52	16	periods	period	NOUN
aijes-7168	52	17	real	real	ADJ
aijes-7168	52	18	pmt	pmt	PROPN
aijes-7168	52	19	most	most	ADJ
aijes-7168	52	20	credit	credit	NOUN
aijes-7168	52	21	companies	company	NOUN
aijes-7168	52	22	have	have	VERB
aijes-7168	52	23	administration	administration	NOUN
aijes-7168	52	24	fees	fee	NOUN
aijes-7168	52	25	that	that	PRON
aijes-7168	52	26	are	be	AUX
aijes-7168	52	27	added	add	VERB
aijes-7168	52	28	each	each	DET
aijes-7168	52	29	month	month	NOUN
aijes-7168	52	30	to	to	ADP
aijes-7168	52	31	the	the	DET
aijes-7168	52	32	pmt	pmt	PROPN
aijes-7168	52	33	and	and	CCONJ
aijes-7168	52	34	influence	influence	VERB
aijes-7168	52	35	the	the	DET
aijes-7168	52	36	total	total	ADJ
aijes-7168	52	37	repayment	repayment	NOUN
aijes-7168	52	38	amount	amount	NOUN
aijes-7168	52	39	.	.	PUNCT
aijes-7168	53	1	calculated	calculate	VERB
aijes-7168	53	2	by	by	ADP
aijes-7168	53	3	simply	simply	ADV
aijes-7168	53	4	adding	add	VERB
aijes-7168	53	5	:	:	PUNCT
aijes-7168	53	6	𝑅𝑒𝑎𝑙	𝑅𝑒𝑎𝑙	VERB
aijes-7168	53	7	𝑃𝑀𝑇	𝑃𝑀𝑇	NOUN
aijes-7168	53	8	=	=	SYM
aijes-7168	53	9	𝑃𝑀𝑇	𝑃𝑀𝑇	PROPN
aijes-7168	53	10	+	+	CCONJ
aijes-7168	53	11	𝑓𝑒𝑒𝑠	𝑓𝑒𝑒𝑠	NOUN
aijes-7168	53	12	fees	fee	NOUN
aijes-7168	53	13	–	–	PUNCT
aijes-7168	53	14	monthly	monthly	ADJ
aijes-7168	53	15	administration	administration	NOUN
aijes-7168	53	16	fees	fee	NOUN
aijes-7168	53	17	found	find	VERB
aijes-7168	53	18	on	on	ADP
aijes-7168	53	19	each	each	DET
aijes-7168	53	20	company	company	NOUN
aijes-7168	53	21	’s	’s	PART
aijes-7168	53	22	website	website	NOUN
aijes-7168	53	23	total	total	ADJ
aijes-7168	53	24	repayment	repayment	NOUN
aijes-7168	53	25	the	the	DET
aijes-7168	53	26	total	total	ADJ
aijes-7168	53	27	amount	amount	NOUN
aijes-7168	53	28	repaid	repay	VERB
aijes-7168	53	29	over	over	ADP
aijes-7168	53	30	the	the	DET
aijes-7168	53	31	life	life	NOUN
aijes-7168	53	32	of	of	ADP
aijes-7168	53	33	the	the	DET
aijes-7168	53	34	loan	loan	NOUN
aijes-7168	53	35	.	.	PUNCT
aijes-7168	54	1	in	in	ADP
aijes-7168	54	2	this	this	DET
aijes-7168	54	3	study	study	NOUN
aijes-7168	54	4	,	,	PUNCT
aijes-7168	54	5	real	real	ADJ
aijes-7168	54	6	pmt	pmt	PROPN
aijes-7168	54	7	is	be	AUX
aijes-7168	54	8	used	use	VERB
aijes-7168	54	9	because	because	SCONJ
aijes-7168	54	10	of	of	ADP
aijes-7168	54	11	the	the	DET
aijes-7168	54	12	monthly	monthly	ADJ
aijes-7168	54	13	fees	fee	NOUN
aijes-7168	54	14	.	.	PUNCT
aijes-7168	55	1	calculated	calculate	VERB
aijes-7168	55	2	:	:	PUNCT
aijes-7168	55	3	𝑇𝑅	𝑇𝑅	X
aijes-7168	55	4	=	=	PUNCT
aijes-7168	55	5	𝑟𝑒𝑎𝑙	𝑟𝑒𝑎𝑙	ADJ
aijes-7168	55	6	𝑃𝑀𝑇	𝑃𝑀𝑇	PROPN
aijes-7168	55	7	×	×	NOUN
aijes-7168	55	8	𝑛	𝑛	DET
aijes-7168	55	9	total	total	ADJ
aijes-7168	55	10	interest	interest	NOUN
aijes-7168	55	11	the	the	DET
aijes-7168	55	12	total	total	ADJ
aijes-7168	55	13	cost	cost	NOUN
aijes-7168	55	14	of	of	ADP
aijes-7168	55	15	borrowing	borrowing	NOUN
aijes-7168	55	16	.	.	PUNCT
aijes-7168	56	1	calculated	calculate	VERB
aijes-7168	56	2	:	:	PUNCT
aijes-7168	56	3	𝑇𝐼	𝑇𝐼	PROPN
aijes-7168	56	4	=	=	SYM
aijes-7168	56	5	𝑇𝑅	𝑇𝑅	PROPN
aijes-7168	56	6	−	−	PROPN
aijes-7168	56	7	𝑃𝑉	𝑃𝑉	PROPN
aijes-7168	56	8	present	present	ADJ
aijes-7168	56	9	value	value	NOUN
aijes-7168	56	10	used	use	VERB
aijes-7168	56	11	to	to	PART
aijes-7168	56	12	confirm	confirm	VERB
aijes-7168	56	13	that	that	SCONJ
aijes-7168	56	14	the	the	DET
aijes-7168	56	15	value	value	NOUN
aijes-7168	56	16	of	of	ADP
aijes-7168	56	17	all	all	DET
aijes-7168	56	18	three	three	NUM
aijes-7168	56	19	loan	loan	NOUN
aijes-7168	56	20	offers	offer	NOUN
aijes-7168	56	21	,	,	PUNCT
aijes-7168	56	22	when	when	SCONJ
aijes-7168	56	23	discounted	discount	VERB
aijes-7168	56	24	at	at	ADP
aijes-7168	56	25	different	different	ADJ
aijes-7168	56	26	rates	rate	NOUN
aijes-7168	56	27	,	,	PUNCT
aijes-7168	56	28	results	result	NOUN
aijes-7168	56	29	in	in	ADP
aijes-7168	56	30	the	the	DET
aijes-7168	56	31	same	same	ADJ
aijes-7168	56	32	financial	financial	ADJ
aijes-7168	56	33	value	value	NOUN
aijes-7168	56	34	at	at	ADP
aijes-7168	56	35	the	the	DET
aijes-7168	56	36	time	time	NOUN
aijes-7168	56	37	of	of	ADP
aijes-7168	56	38	borrowing	borrowing	NOUN
aijes-7168	56	39	.	.	PUNCT
aijes-7168	57	1	this	this	DET
aijes-7168	57	2	analysis	analysis	NOUN
aijes-7168	57	3	does	do	AUX
aijes-7168	57	4	not	not	PART
aijes-7168	57	5	include	include	VERB
aijes-7168	57	6	external	external	ADJ
aijes-7168	57	7	costs	cost	NOUN
aijes-7168	57	8	.	.	PUNCT
aijes-7168	58	1	pv	pv	INTJ
aijes-7168	58	2	is	be	AUX
aijes-7168	58	3	also	also	ADV
aijes-7168	58	4	used	use	VERB
aijes-7168	58	5	to	to	PART
aijes-7168	58	6	illustrate	illustrate	VERB
aijes-7168	58	7	how	how	SCONJ
aijes-7168	58	8	future	future	ADJ
aijes-7168	58	9	payments	payment	NOUN
aijes-7168	58	10	are	be	AUX
aijes-7168	58	11	valued	value	VERB
aijes-7168	58	12	today	today	NOUN
aijes-7168	58	13	using	use	VERB
aijes-7168	58	14	:	:	PUNCT
aijes-7168	58	15	𝑃𝑉	𝑃𝑉	PROPN
aijes-7168	58	16	=	=	SYM
aijes-7168	58	17	𝑃𝑀𝑇	𝑃𝑀𝑇	PROPN
aijes-7168	58	18	×	×	NOUN
aijes-7168	58	19	1	1	NUM
aijes-7168	58	20	−	−	NOUN
aijes-7168	58	21	(	(	PUNCT
aijes-7168	58	22	1	1	NUM
aijes-7168	59	1	+	+	NUM
aijes-7168	59	2	𝑟)−𝑛	𝑟)−𝑛	PROPN
aijes-7168	59	3	𝑟	𝑟	NOUN
aijes-7168	59	4	by	by	ADP
aijes-7168	59	5	calculating	calculate	VERB
aijes-7168	59	6	and	and	CCONJ
aijes-7168	59	7	comparing	compare	VERB
aijes-7168	59	8	these	these	DET
aijes-7168	59	9	values	value	NOUN
aijes-7168	59	10	,	,	PUNCT
aijes-7168	59	11	the	the	DET
aijes-7168	59	12	analysis	analysis	NOUN
aijes-7168	59	13	demonstrates	demonstrate	VERB
aijes-7168	59	14	how	how	SCONJ
aijes-7168	59	15	the	the	DET
aijes-7168	59	16	loan	loan	NOUN
aijes-7168	59	17	term	term	NOUN
aijes-7168	59	18	affects	affect	VERB
aijes-7168	59	19	the	the	DET
aijes-7168	59	20	total	total	ADJ
aijes-7168	59	21	cost	cost	NOUN
aijes-7168	59	22	to	to	ADP
aijes-7168	59	23	the	the	DET
aijes-7168	59	24	borrower	borrower	NOUN
aijes-7168	59	25	when	when	SCONJ
aijes-7168	59	26	the	the	DET
aijes-7168	59	27	present	present	ADJ
aijes-7168	59	28	value	value	NOUN
aijes-7168	59	29	is	be	AUX
aijes-7168	59	30	constant	constant	ADJ
aijes-7168	59	31	but	but	CCONJ
aijes-7168	59	32	interest	interest	NOUN
aijes-7168	59	33	rates	rate	NOUN
aijes-7168	59	34	are	be	AUX
aijes-7168	59	35	different	different	ADJ
aijes-7168	59	36	.	.	PUNCT
aijes-7168	60	1	all	all	DET
aijes-7168	60	2	calculations	calculation	NOUN
aijes-7168	60	3	were	be	AUX
aijes-7168	60	4	performed	perform	VERB
aijes-7168	60	5	manually	manually	ADV
aijes-7168	60	6	and	and	CCONJ
aijes-7168	60	7	cross	cross	ADJ
aijes-7168	60	8	-	-	ADJ
aijes-7168	60	9	verified	verified	ADJ
aijes-7168	60	10	using	use	VERB
aijes-7168	60	11	a	a	DET
aijes-7168	60	12	financial	financial	ADJ
aijes-7168	60	13	calculator	calculator	NOUN
aijes-7168	60	14	and	and	CCONJ
aijes-7168	60	15	excel	excel	NOUN
aijes-7168	60	16	.	.	PUNCT
aijes-7168	61	1	time	time	NOUN
aijes-7168	61	2	value	value	NOUN
aijes-7168	61	3	of	of	ADP
aijes-7168	61	4	money	money	NOUN
aijes-7168	61	5	in	in	ADP
aijes-7168	61	6	the	the	DET
aijes-7168	61	7	lithuanian	lithuanian	ADJ
aijes-7168	61	8	credit	credit	NOUN
aijes-7168	61	9	market	market	NOUN
aijes-7168	61	10	:	:	PUNCT
aijes-7168	61	11	a	a	DET
aijes-7168	61	12	practical	practical	ADJ
aijes-7168	61	13	analysis	analysis	NOUN
aijes-7168	61	14	of	of	ADP
aijes-7168	61	15	consumer	consumer	NOUN
aijes-7168	61	16	loan	loan	NOUN
aijes-7168	61	17	offers	offer	VERB
aijes-7168	61	18	402	402	NUM
aijes-7168	61	19	5	5	NUM
aijes-7168	61	20	.	.	PUNCT
aijes-7168	62	1	results	result	VERB
aijes-7168	62	2	monthly	monthly	ADJ
aijes-7168	62	3	payment	payment	NOUN
aijes-7168	62	4	(	(	PUNCT
aijes-7168	62	5	pmt	pmt	PROPN
aijes-7168	62	6	)	)	PUNCT
aijes-7168	62	7	and	and	CCONJ
aijes-7168	62	8	administration	administration	NOUN
aijes-7168	62	9	fees	fee	VERB
aijes-7168	62	10	the	the	DET
aijes-7168	62	11	tables	table	NOUN
aijes-7168	62	12	present	present	VERB
aijes-7168	62	13	the	the	DET
aijes-7168	62	14	monthly	monthly	ADJ
aijes-7168	62	15	payment	payment	NOUN
aijes-7168	62	16	amounts	amount	NOUN
aijes-7168	62	17	(	(	PUNCT
aijes-7168	62	18	pmt	pmt	PROPN
aijes-7168	62	19	)	)	PUNCT
aijes-7168	62	20	and	and	CCONJ
aijes-7168	62	21	the	the	DET
aijes-7168	62	22	monthly	monthly	ADJ
aijes-7168	62	23	payment	payment	NOUN
aijes-7168	62	24	,	,	PUNCT
aijes-7168	62	25	including	include	VERB
aijes-7168	62	26	administrative	administrative	ADJ
aijes-7168	62	27	fees	fee	NOUN
aijes-7168	62	28	for	for	ADP
aijes-7168	62	29	a	a	DET
aijes-7168	62	30	€	€	SYM
aijes-7168	62	31	5000	5000	NUM
aijes-7168	62	32	loan	loan	NOUN
aijes-7168	62	33	over	over	ADP
aijes-7168	62	34	36	36	NUM
aijes-7168	62	35	,	,	PUNCT
aijes-7168	62	36	24	24	NUM
aijes-7168	62	37	,	,	PUNCT
aijes-7168	62	38	and	and	CCONJ
aijes-7168	62	39	12	12	NUM
aijes-7168	62	40	-	-	PUNCT
aijes-7168	62	41	month	month	NOUN
aijes-7168	62	42	terms	term	NOUN
aijes-7168	62	43	from	from	ADP
aijes-7168	62	44	inbank	inbank	NOUN
aijes-7168	62	45	,	,	PUNCT
aijes-7168	62	46	artea	artea	NOUN
aijes-7168	62	47	,	,	PUNCT
aijes-7168	62	48	and	and	CCONJ
aijes-7168	62	49	saldo	saldo	PROPN
aijes-7168	62	50	bank	bank	PROPN
aijes-7168	62	51	.	.	PUNCT
aijes-7168	63	1	table	table	NOUN
aijes-7168	63	2	1	1	NUM
aijes-7168	63	3	.	.	PUNCT
aijes-7168	64	1	pmt	pmt	PROPN
aijes-7168	64	2	and	and	CCONJ
aijes-7168	64	3	real	real	ADJ
aijes-7168	64	4	pmt	pmt	NOUN
aijes-7168	64	5	of	of	ADP
aijes-7168	64	6	a	a	DET
aijes-7168	64	7	36	36	NUM
aijes-7168	64	8	-	-	PUNCT
aijes-7168	64	9	month	month	NOUN
aijes-7168	64	10	repayment	repayment	NOUN
aijes-7168	64	11	term	term	NOUN
aijes-7168	64	12	term	term	NOUN
aijes-7168	64	13	company	company	NOUN
aijes-7168	64	14	pmt	pmt	PROPN
aijes-7168	64	15	(	(	PUNCT
aijes-7168	64	16	€	€	NOUN
aijes-7168	64	17	)	)	PUNCT
aijes-7168	64	18	pmt	pmt	PROPN
aijes-7168	64	19	incl	incl	NOUN
aijes-7168	64	20	.	.	PUNCT
aijes-7168	65	1	admin	admin	PROPN
aijes-7168	65	2	(	(	PUNCT
aijes-7168	65	3	€	€	NOUN
aijes-7168	65	4	)	)	PUNCT
aijes-7168	65	5	36	36	NUM
aijes-7168	65	6	months	month	NOUN
aijes-7168	65	7	inbank	inbank	VERB
aijes-7168	65	8	156.45	156.45	NUM
aijes-7168	65	9	170.95	170.95	NUM
aijes-7168	65	10	36	36	NUM
aijes-7168	65	11	months	month	NOUN
aijes-7168	65	12	artea	artea	NOUN
aijes-7168	65	13	161.1	161.1	NUM
aijes-7168	65	14	173.6	173.6	NUM
aijes-7168	65	15	36	36	NUM
aijes-7168	65	16	months	month	NOUN
aijes-7168	65	17	saldo	saldo	PROPN
aijes-7168	65	18	bank	bank	PROPN
aijes-7168	65	19	166.07	166.07	NUM
aijes-7168	65	20	175.02	175.02	NUM
aijes-7168	65	21	table	table	NOUN
aijes-7168	65	22	2	2	NUM
aijes-7168	65	23	.	.	X
aijes-7168	66	1	pmt	pmt	PROPN
aijes-7168	66	2	and	and	CCONJ
aijes-7168	66	3	real	real	ADJ
aijes-7168	66	4	pmt	pmt	NOUN
aijes-7168	66	5	of	of	ADP
aijes-7168	66	6	a	a	DET
aijes-7168	66	7	24	24	NUM
aijes-7168	66	8	-	-	PUNCT
aijes-7168	66	9	month	month	NOUN
aijes-7168	66	10	repayment	repayment	NOUN
aijes-7168	66	11	term	term	NOUN
aijes-7168	66	12	term	term	NOUN
aijes-7168	66	13	company	company	NOUN
aijes-7168	66	14	pmt	pmt	PROPN
aijes-7168	66	15	(	(	PUNCT
aijes-7168	66	16	€	€	NOUN
aijes-7168	66	17	)	)	PUNCT
aijes-7168	66	18	pmt	pmt	PROPN
aijes-7168	66	19	incl	incl	NOUN
aijes-7168	66	20	.	.	PUNCT
aijes-7168	67	1	admin	admin	PROPN
aijes-7168	67	2	(	(	PUNCT
aijes-7168	67	3	€	€	NOUN
aijes-7168	67	4	)	)	PUNCT
aijes-7168	67	5	24	24	NUM
aijes-7168	67	6	months	month	NOUN
aijes-7168	67	7	inbank	inbank	VERB
aijes-7168	67	8	225.91	225.91	NUM
aijes-7168	67	9	240.41	240.41	NUM
aijes-7168	67	10	24	24	NUM
aijes-7168	67	11	months	month	NOUN
aijes-7168	67	12	artea	artea	NOUN
aijes-7168	67	13	230.49	230.49	NUM
aijes-7168	67	14	242.99	242.99	NUM
aijes-7168	67	15	24	24	NUM
aijes-7168	67	16	months	month	NOUN
aijes-7168	67	17	saldo	saldo	PROPN
aijes-7168	67	18	bank	bank	PROPN
aijes-7168	68	1	235.37	235.37	NUM
aijes-7168	68	2	244.32	244.32	NUM
aijes-7168	68	3	table	table	NOUN
aijes-7168	68	4	3	3	NUM
aijes-7168	68	5	.	.	PUNCT
aijes-7168	68	6	pmt	pmt	PROPN
aijes-7168	68	7	and	and	CCONJ
aijes-7168	68	8	real	real	ADJ
aijes-7168	68	9	pmt	pmt	NOUN
aijes-7168	68	10	of	of	ADP
aijes-7168	68	11	a	a	DET
aijes-7168	68	12	12	12	NUM
aijes-7168	68	13	-	-	PUNCT
aijes-7168	68	14	month	month	NOUN
aijes-7168	68	15	repayment	repayment	NOUN
aijes-7168	68	16	term	term	NOUN
aijes-7168	68	17	term	term	NOUN
aijes-7168	68	18	company	company	NOUN
aijes-7168	68	19	pmt	pmt	PROPN
aijes-7168	68	20	(	(	PUNCT
aijes-7168	68	21	€	€	NOUN
aijes-7168	68	22	)	)	PUNCT
aijes-7168	68	23	pmt	pmt	PROPN
aijes-7168	68	24	incl	incl	NOUN
aijes-7168	68	25	.	.	PUNCT
aijes-7168	69	1	admin	admin	PROPN
aijes-7168	69	2	(	(	PUNCT
aijes-7168	69	3	€	€	NOUN
aijes-7168	69	4	)	)	PUNCT
aijes-7168	69	5	12	12	NUM
aijes-7168	69	6	months	month	NOUN
aijes-7168	69	7	inbank	inbank	VERB
aijes-7168	69	8	434.71	434.71	NUM
aijes-7168	69	9	449.21	449.21	NUM
aijes-7168	69	10	12	12	NUM
aijes-7168	69	11	months	month	NOUN
aijes-7168	69	12	artea	artea	NOUN
aijes-7168	69	13	439.35	439.35	NUM
aijes-7168	69	14	451.85	451.85	NUM
aijes-7168	69	15	12	12	NUM
aijes-7168	69	16	months	month	NOUN
aijes-7168	69	17	saldo	saldo	PROPN
aijes-7168	69	18	bank	bank	PROPN
aijes-7168	69	19	444.24	444.24	NUM
aijes-7168	69	20	453.19	453.19	NUM
aijes-7168	69	21	data	datum	NOUN
aijes-7168	69	22	shows	show	VERB
aijes-7168	69	23	a	a	DET
aijes-7168	69	24	consistent	consistent	ADJ
aijes-7168	69	25	pattern	pattern	NOUN
aijes-7168	69	26	throughout	throughout	ADP
aijes-7168	69	27	all	all	DET
aijes-7168	69	28	three	three	NUM
aijes-7168	69	29	loan	loan	NOUN
aijes-7168	69	30	terms	term	NOUN
aijes-7168	69	31	(	(	PUNCT
aijes-7168	69	32	12	12	NUM
aijes-7168	69	33	,	,	PUNCT
aijes-7168	69	34	24	24	NUM
aijes-7168	69	35	,	,	PUNCT
aijes-7168	69	36	and	and	CCONJ
aijes-7168	69	37	36	36	NUM
aijes-7168	69	38	months	month	NOUN
aijes-7168	69	39	):	):	PUNCT
aijes-7168	69	40	saldo	saldo	PROPN
aijes-7168	69	41	bank	bank	PROPN
aijes-7168	69	42	offers	offer	VERB
aijes-7168	69	43	the	the	DET
aijes-7168	69	44	highest	high	ADJ
aijes-7168	69	45	base	base	ADJ
aijes-7168	69	46	monthly	monthly	ADJ
aijes-7168	69	47	payments	payment	NOUN
aijes-7168	69	48	(	(	PUNCT
aijes-7168	69	49	pmt	pmt	PROPN
aijes-7168	69	50	)	)	PUNCT
aijes-7168	69	51	due	due	ADP
aijes-7168	69	52	to	to	ADP
aijes-7168	69	53	its	its	PRON
aijes-7168	69	54	higher	high	ADJ
aijes-7168	69	55	interest	interest	NOUN
aijes-7168	69	56	rate	rate	NOUN
aijes-7168	69	57	,	,	PUNCT
aijes-7168	69	58	while	while	SCONJ
aijes-7168	69	59	inbank	inbank	NOUN
aijes-7168	69	60	generally	generally	ADV
aijes-7168	69	61	has	have	VERB
aijes-7168	69	62	the	the	DET
aijes-7168	69	63	lowest	low	ADJ
aijes-7168	69	64	pmt	pmt	PROPN
aijes-7168	69	65	.	.	PUNCT
aijes-7168	70	1	however	however	ADV
aijes-7168	70	2	,	,	PUNCT
aijes-7168	70	3	when	when	SCONJ
aijes-7168	70	4	administrative	administrative	ADJ
aijes-7168	70	5	fees	fee	NOUN
aijes-7168	70	6	are	be	AUX
aijes-7168	70	7	included	include	VERB
aijes-7168	70	8	,	,	PUNCT
aijes-7168	70	9	the	the	DET
aijes-7168	70	10	total	total	ADJ
aijes-7168	70	11	monthly	monthly	ADJ
aijes-7168	70	12	cost	cost	NOUN
aijes-7168	70	13	differences	difference	NOUN
aijes-7168	70	14	narrow	narrow	ADJ
aijes-7168	70	15	,	,	PUNCT
aijes-7168	70	16	and	and	CCONJ
aijes-7168	70	17	in	in	ADP
aijes-7168	70	18	some	some	DET
aijes-7168	70	19	cases	case	NOUN
aijes-7168	70	20	,	,	PUNCT
aijes-7168	70	21	the	the	DET
aijes-7168	70	22	company	company	NOUN
aijes-7168	70	23	with	with	ADP
aijes-7168	70	24	the	the	DET
aijes-7168	70	25	lowest	low	ADJ
aijes-7168	70	26	interest	interest	NOUN
aijes-7168	70	27	rate	rate	NOUN
aijes-7168	70	28	does	do	AUX
aijes-7168	70	29	not	not	PART
aijes-7168	70	30	offer	offer	VERB
aijes-7168	70	31	the	the	DET
aijes-7168	70	32	lowest	low	ADJ
aijes-7168	70	33	total	total	ADJ
aijes-7168	70	34	monthly	monthly	ADJ
aijes-7168	70	35	burden	burden	NOUN
aijes-7168	70	36	.	.	PUNCT
aijes-7168	71	1	total	total	ADJ
aijes-7168	71	2	repayment	repayment	NOUN
aijes-7168	71	3	and	and	CCONJ
aijes-7168	71	4	interest	interest	NOUN
aijes-7168	71	5	paid	pay	VERB
aijes-7168	71	6	table	table	NOUN
aijes-7168	71	7	4	4	NUM
aijes-7168	71	8	.	.	PUNCT
aijes-7168	71	9	total	total	ADJ
aijes-7168	71	10	repayment	repayment	NOUN
aijes-7168	71	11	and	and	CCONJ
aijes-7168	71	12	total	total	ADJ
aijes-7168	71	13	interest	interest	NOUN
aijes-7168	71	14	paid	pay	VERB
aijes-7168	71	15	of	of	ADP
aijes-7168	71	16	a	a	DET
aijes-7168	71	17	36	36	NUM
aijes-7168	71	18	-	-	PUNCT
aijes-7168	71	19	month	month	NOUN
aijes-7168	71	20	repayment	repayment	NOUN
aijes-7168	71	21	term	term	NOUN
aijes-7168	71	22	term	term	NOUN
aijes-7168	71	23	company	company	NOUN
aijes-7168	71	24	total	total	ADJ
aijes-7168	71	25	repayment	repayment	NOUN
aijes-7168	71	26	(	(	PUNCT
aijes-7168	71	27	€	€	NOUN
aijes-7168	71	28	)	)	PUNCT
aijes-7168	71	29	total	total	ADJ
aijes-7168	71	30	interest	interest	NOUN
aijes-7168	71	31	paid	pay	VERB
aijes-7168	71	32	(	(	PUNCT
aijes-7168	71	33	€	€	NOUN
aijes-7168	71	34	)	)	PUNCT
aijes-7168	71	35	36	36	NUM
aijes-7168	71	36	months	month	NOUN
aijes-7168	71	37	inbank	inbank	VERB
aijes-7168	71	38	6154.25	6154.25	NUM
aijes-7168	71	39	1154.25	1154.25	NUM
aijes-7168	71	40	36	36	NUM
aijes-7168	71	41	months	month	NOUN
aijes-7168	71	42	artea	artea	NOUN
aijes-7168	71	43	6249.65	6249.65	NUM
aijes-7168	71	44	1249.65	1249.65	NUM
aijes-7168	71	45	36	36	NUM
aijes-7168	71	46	months	month	NOUN
aijes-7168	71	47	saldo	saldo	PROPN
aijes-7168	71	48	bank	bank	PROPN
aijes-7168	71	49	6300.78	6300.78	NUM
aijes-7168	71	50	1300.78	1300.78	NUM
aijes-7168	71	51	table	table	NOUN
aijes-7168	71	52	5	5	NUM
aijes-7168	71	53	.	.	PUNCT
aijes-7168	71	54	total	total	ADJ
aijes-7168	71	55	repayment	repayment	NOUN
aijes-7168	71	56	and	and	CCONJ
aijes-7168	71	57	total	total	ADJ
aijes-7168	71	58	interest	interest	NOUN
aijes-7168	71	59	paid	pay	VERB
aijes-7168	71	60	of	of	ADP
aijes-7168	71	61	a	a	DET
aijes-7168	71	62	24	24	NUM
aijes-7168	71	63	-	-	PUNCT
aijes-7168	71	64	month	month	NOUN
aijes-7168	71	65	repayment	repayment	NOUN
aijes-7168	71	66	term	term	NOUN
aijes-7168	71	67	term	term	NOUN
aijes-7168	71	68	company	company	NOUN
aijes-7168	71	69	total	total	ADJ
aijes-7168	71	70	repayment	repayment	NOUN
aijes-7168	71	71	(	(	PUNCT
aijes-7168	71	72	€	€	NOUN
aijes-7168	71	73	)	)	PUNCT
aijes-7168	71	74	total	total	ADJ
aijes-7168	71	75	interest	interest	NOUN
aijes-7168	71	76	paid	pay	VERB
aijes-7168	71	77	(	(	PUNCT
aijes-7168	71	78	€	€	NOUN
aijes-7168	71	79	)	)	PUNCT
aijes-7168	71	80	24	24	NUM
aijes-7168	71	81	months	month	NOUN
aijes-7168	71	82	inbank	inbank	VERB
aijes-7168	71	83	5769.80	5769.80	NUM
aijes-7168	71	84	769.80	769.80	NUM
aijes-7168	71	85	24	24	NUM
aijes-7168	71	86	months	month	NOUN
aijes-7168	71	87	artea	artea	NOUN
aijes-7168	71	88	5831.85	5831.85	NUM
aijes-7168	71	89	831.85	831.85	NUM
aijes-7168	71	90	24	24	NUM
aijes-7168	71	91	months	month	NOUN
aijes-7168	71	92	saldo	saldo	PROPN
aijes-7168	71	93	bank	bank	PROPN
aijes-7168	71	94	5863.62	5863.62	NUM
aijes-7168	71	95	863.62	863.62	NUM
aijes-7168	71	96	table	table	NOUN
aijes-7168	71	97	6	6	NUM
aijes-7168	71	98	.	.	PUNCT
aijes-7168	71	99	total	total	ADJ
aijes-7168	71	100	repayment	repayment	NOUN
aijes-7168	71	101	and	and	CCONJ
aijes-7168	71	102	total	total	ADJ
aijes-7168	71	103	interest	interest	NOUN
aijes-7168	71	104	paid	pay	VERB
aijes-7168	71	105	of	of	ADP
aijes-7168	71	106	a	a	DET
aijes-7168	71	107	12	12	NUM
aijes-7168	71	108	-	-	PUNCT
aijes-7168	71	109	month	month	NOUN
aijes-7168	71	110	repayment	repayment	NOUN
aijes-7168	71	111	term	term	NOUN
aijes-7168	71	112	term	term	NOUN
aijes-7168	71	113	company	company	NOUN
aijes-7168	71	114	total	total	ADJ
aijes-7168	71	115	repayment	repayment	NOUN
aijes-7168	71	116	(	(	PUNCT
aijes-7168	71	117	€	€	NOUN
aijes-7168	71	118	)	)	PUNCT
aijes-7168	71	119	total	total	ADJ
aijes-7168	71	120	interest	interest	NOUN
aijes-7168	71	121	paid	pay	VERB
aijes-7168	71	122	(	(	PUNCT
aijes-7168	71	123	€	€	NOUN
aijes-7168	71	124	)	)	PUNCT
aijes-7168	71	125	12	12	NUM
aijes-7168	71	126	months	month	NOUN
aijes-7168	71	127	inbank	inbank	VERB
aijes-7168	71	128	5390.53	5390.53	NUM
aijes-7168	71	129	390.53	390.53	NUM
aijes-7168	71	130	12	12	NUM
aijes-7168	71	131	months	month	NOUN
aijes-7168	71	132	artea	artea	NOUN
aijes-7168	71	133	5422.16	5422.16	NUM
aijes-7168	71	134	422.16	422.16	NUM
aijes-7168	71	135	12	12	NUM
aijes-7168	71	136	months	month	NOUN
aijes-7168	71	137	saldo	saldo	PROPN
aijes-7168	71	138	bank	bank	PROPN
aijes-7168	71	139	5438.33	5438.33	NUM
aijes-7168	71	140	438.33	438.33	NUM
aijes-7168	71	141	mantė	mantė	NOUN
aijes-7168	71	142	pryšmantaitė	pryšmantaitė	NOUN
aijes-7168	71	143	,	,	PUNCT
aijes-7168	71	144	astijus	astijus	ADJ
aijes-7168	71	145	markauskas	markauskas	PROPN
aijes-7168	71	146	,	,	PUNCT
aijes-7168	71	147	jekaterina	jekaterina	PROPN
aijes-7168	71	148	kartašova	kartašova	PROPN
aijes-7168	72	1	403	403	NUM
aijes-7168	72	2	the	the	DET
aijes-7168	72	3	tables	table	NOUN
aijes-7168	72	4	show	show	VERB
aijes-7168	72	5	that	that	SCONJ
aijes-7168	72	6	while	while	SCONJ
aijes-7168	72	7	all	all	DET
aijes-7168	72	8	three	three	NUM
aijes-7168	72	9	companies	company	NOUN
aijes-7168	72	10	offer	offer	VERB
aijes-7168	72	11	the	the	DET
aijes-7168	72	12	same	same	ADJ
aijes-7168	72	13	amount	amount	NOUN
aijes-7168	72	14	of	of	ADP
aijes-7168	72	15	€	€	SYM
aijes-7168	72	16	5000	5000	NUM
aijes-7168	72	17	,	,	PUNCT
aijes-7168	72	18	the	the	DET
aijes-7168	72	19	total	total	ADJ
aijes-7168	72	20	repayment	repayment	NOUN
aijes-7168	72	21	and	and	CCONJ
aijes-7168	72	22	interest	interest	NOUN
aijes-7168	72	23	paid	pay	VERB
aijes-7168	72	24	increase	increase	NOUN
aijes-7168	72	25	with	with	ADP
aijes-7168	72	26	both	both	CCONJ
aijes-7168	72	27	the	the	DET
aijes-7168	72	28	loan	loan	NOUN
aijes-7168	72	29	term	term	NOUN
aijes-7168	72	30	and	and	CCONJ
aijes-7168	72	31	the	the	DET
aijes-7168	72	32	interest	interest	NOUN
aijes-7168	72	33	rate	rate	NOUN
aijes-7168	72	34	.	.	PUNCT
aijes-7168	73	1	saldo	saldo	PROPN
aijes-7168	73	2	bank	bank	PROPN
aijes-7168	73	3	consistently	consistently	ADV
aijes-7168	73	4	has	have	VERB
aijes-7168	73	5	the	the	DET
aijes-7168	73	6	highest	high	ADJ
aijes-7168	73	7	total	total	ADJ
aijes-7168	73	8	cost	cost	NOUN
aijes-7168	73	9	,	,	PUNCT
aijes-7168	73	10	while	while	SCONJ
aijes-7168	73	11	inbank	inbank	NOUN
aijes-7168	73	12	offers	offer	VERB
aijes-7168	73	13	the	the	DET
aijes-7168	73	14	most	most	ADV
aijes-7168	73	15	cost	cost	NOUN
aijes-7168	73	16	-	-	PUNCT
aijes-7168	73	17	effective	effective	ADJ
aijes-7168	73	18	option	option	NOUN
aijes-7168	73	19	across	across	ADP
aijes-7168	73	20	all	all	DET
aijes-7168	73	21	terms	term	NOUN
aijes-7168	73	22	.	.	PUNCT
aijes-7168	74	1	shorter	short	ADJ
aijes-7168	74	2	terms	term	NOUN
aijes-7168	74	3	significantly	significantly	ADV
aijes-7168	74	4	reduce	reduce	VERB
aijes-7168	74	5	the	the	DET
aijes-7168	74	6	total	total	ADJ
aijes-7168	74	7	interest	interest	NOUN
aijes-7168	74	8	paid	pay	VERB
aijes-7168	74	9	,	,	PUNCT
aijes-7168	74	10	demonstrating	demonstrate	VERB
aijes-7168	74	11	that	that	SCONJ
aijes-7168	74	12	borrowers	borrower	NOUN
aijes-7168	74	13	who	who	PRON
aijes-7168	74	14	can	can	AUX
aijes-7168	74	15	afford	afford	VERB
aijes-7168	74	16	higher	high	ADJ
aijes-7168	74	17	monthly	monthly	ADJ
aijes-7168	74	18	payments	payment	NOUN
aijes-7168	74	19	benefit	benefit	VERB
aijes-7168	74	20	from	from	ADP
aijes-7168	74	21	lower	low	ADJ
aijes-7168	74	22	overall	overall	ADJ
aijes-7168	74	23	loan	loan	NOUN
aijes-7168	74	24	costs	cost	NOUN
aijes-7168	74	25	.	.	PUNCT
aijes-7168	75	1	6	6	X
aijes-7168	75	2	.	.	X
aijes-7168	75	3	discussions	discussion	NOUN
aijes-7168	75	4	and	and	CCONJ
aijes-7168	75	5	recommendations	recommendation	NOUN
aijes-7168	75	6	6.1	6.1	NUM
aijes-7168	75	7	financial	financial	ADJ
aijes-7168	75	8	evaluation	evaluation	NOUN
aijes-7168	75	9	using	use	VERB
aijes-7168	75	10	time	time	NOUN
aijes-7168	75	11	value	value	NOUN
aijes-7168	75	12	of	of	ADP
aijes-7168	75	13	money	money	NOUN
aijes-7168	75	14	based	base	VERB
aijes-7168	75	15	on	on	ADP
aijes-7168	75	16	the	the	DET
aijes-7168	75	17	time	time	NOUN
aijes-7168	75	18	value	value	NOUN
aijes-7168	75	19	of	of	ADP
aijes-7168	75	20	money	money	NOUN
aijes-7168	75	21	(	(	PUNCT
aijes-7168	75	22	tvm	tvm	PROPN
aijes-7168	75	23	)	)	PUNCT
aijes-7168	75	24	calculations	calculation	NOUN
aijes-7168	75	25	,	,	PUNCT
aijes-7168	75	26	inbank	inbank	PROPN
aijes-7168	75	27	is	be	AUX
aijes-7168	75	28	the	the	DET
aijes-7168	75	29	most	most	ADV
aijes-7168	75	30	financially	financially	ADV
aijes-7168	75	31	favorable	favorable	ADJ
aijes-7168	75	32	option	option	NOUN
aijes-7168	75	33	across	across	ADP
aijes-7168	75	34	all	all	DET
aijes-7168	75	35	repayment	repayment	NOUN
aijes-7168	75	36	periods	period	NOUN
aijes-7168	75	37	.	.	PUNCT
aijes-7168	76	1	despite	despite	SCONJ
aijes-7168	76	2	having	have	VERB
aijes-7168	76	3	slightly	slightly	ADV
aijes-7168	76	4	higher	high	ADJ
aijes-7168	76	5	administrative	administrative	ADJ
aijes-7168	76	6	fees	fee	NOUN
aijes-7168	76	7	than	than	ADP
aijes-7168	76	8	its	its	PRON
aijes-7168	76	9	competitors	competitor	NOUN
aijes-7168	76	10	,	,	PUNCT
aijes-7168	76	11	inbank	inbank	NOUN
aijes-7168	76	12	consistently	consistently	ADV
aijes-7168	76	13	offers	offer	VERB
aijes-7168	76	14	the	the	DET
aijes-7168	76	15	lowest	low	ADJ
aijes-7168	76	16	base	base	NOUN
aijes-7168	76	17	monthly	monthly	ADJ
aijes-7168	76	18	payment	payment	NOUN
aijes-7168	76	19	(	(	PUNCT
aijes-7168	76	20	pmt	pmt	PROPN
aijes-7168	76	21	)	)	PUNCT
aijes-7168	76	22	and	and	CCONJ
aijes-7168	76	23	lowest	low	ADJ
aijes-7168	76	24	total	total	ADJ
aijes-7168	76	25	interest	interest	NOUN
aijes-7168	76	26	paid	pay	VERB
aijes-7168	76	27	,	,	PUNCT
aijes-7168	76	28	which	which	PRON
aijes-7168	76	29	directly	directly	ADV
aijes-7168	76	30	translates	translate	VERB
aijes-7168	76	31	to	to	ADP
aijes-7168	76	32	a	a	DET
aijes-7168	76	33	lower	low	ADJ
aijes-7168	76	34	total	total	ADJ
aijes-7168	76	35	cost	cost	NOUN
aijes-7168	76	36	of	of	ADP
aijes-7168	76	37	borrowing	borrowing	NOUN
aijes-7168	76	38	when	when	SCONJ
aijes-7168	76	39	measured	measure	VERB
aijes-7168	76	40	in	in	ADP
aijes-7168	76	41	present	present	ADJ
aijes-7168	76	42	value	value	NOUN
aijes-7168	76	43	terms	term	NOUN
aijes-7168	76	44	.	.	PUNCT
aijes-7168	77	1	since	since	SCONJ
aijes-7168	77	2	all	all	DET
aijes-7168	77	3	three	three	NUM
aijes-7168	77	4	loans	loan	NOUN
aijes-7168	77	5	have	have	VERB
aijes-7168	77	6	an	an	DET
aijes-7168	77	7	equal	equal	ADJ
aijes-7168	77	8	present	present	ADJ
aijes-7168	77	9	value	value	NOUN
aijes-7168	77	10	,	,	PUNCT
aijes-7168	77	11	the	the	DET
aijes-7168	77	12	differences	difference	NOUN
aijes-7168	77	13	in	in	ADP
aijes-7168	77	14	total	total	ADJ
aijes-7168	77	15	repayment	repayment	NOUN
aijes-7168	77	16	are	be	AUX
aijes-7168	77	17	solely	solely	ADV
aijes-7168	77	18	influenced	influence	VERB
aijes-7168	77	19	by	by	ADP
aijes-7168	77	20	interest	interest	NOUN
aijes-7168	77	21	rates	rate	NOUN
aijes-7168	77	22	,	,	PUNCT
aijes-7168	77	23	repayment	repayment	NOUN
aijes-7168	77	24	terms	term	NOUN
aijes-7168	77	25	,	,	PUNCT
aijes-7168	77	26	and	and	CCONJ
aijes-7168	77	27	administrative	administrative	ADJ
aijes-7168	77	28	fees	fee	NOUN
aijes-7168	77	29	.	.	PUNCT
aijes-7168	78	1	this	this	PRON
aijes-7168	78	2	confirms	confirm	VERB
aijes-7168	78	3	the	the	DET
aijes-7168	78	4	central	central	ADJ
aijes-7168	78	5	tvm	tvm	PROPN
aijes-7168	78	6	insight	insight	NOUN
aijes-7168	78	7	that	that	SCONJ
aijes-7168	78	8	the	the	PRON
aijes-7168	78	9	longer	long	ADJ
aijes-7168	78	10	and	and	CCONJ
aijes-7168	78	11	more	more	ADV
aijes-7168	78	12	expensive	expensive	ADJ
aijes-7168	78	13	the	the	DET
aijes-7168	78	14	repayment	repayment	NOUN
aijes-7168	78	15	schedule	schedule	NOUN
aijes-7168	78	16	,	,	PUNCT
aijes-7168	78	17	the	the	PRON
aijes-7168	78	18	greater	great	ADJ
aijes-7168	78	19	the	the	DET
aijes-7168	78	20	overall	overall	ADJ
aijes-7168	78	21	costs	cost	NOUN
aijes-7168	78	22	.	.	PUNCT
aijes-7168	79	1	saldo	saldo	PROPN
aijes-7168	79	2	bank	bank	PROPN
aijes-7168	79	3	,	,	PUNCT
aijes-7168	79	4	in	in	ADP
aijes-7168	79	5	contrast	contrast	NOUN
aijes-7168	79	6	,	,	PUNCT
aijes-7168	79	7	offers	offer	VERB
aijes-7168	79	8	the	the	DET
aijes-7168	79	9	least	least	ADV
aijes-7168	79	10	favorable	favorable	ADJ
aijes-7168	79	11	loan	loan	NOUN
aijes-7168	79	12	terms	term	NOUN
aijes-7168	79	13	,	,	PUNCT
aijes-7168	79	14	with	with	ADP
aijes-7168	79	15	the	the	DET
aijes-7168	79	16	highest	high	ADJ
aijes-7168	79	17	interest	interest	NOUN
aijes-7168	79	18	rate	rate	NOUN
aijes-7168	79	19	(	(	PUNCT
aijes-7168	79	20	12	12	NUM
aijes-7168	79	21	%	%	NOUN
aijes-7168	79	22	)	)	PUNCT
aijes-7168	79	23	,	,	PUNCT
aijes-7168	79	24	leading	lead	VERB
aijes-7168	79	25	to	to	ADP
aijes-7168	79	26	the	the	DET
aijes-7168	79	27	highest	high	ADJ
aijes-7168	79	28	pmts	pmts	NOUN
aijes-7168	79	29	and	and	CCONJ
aijes-7168	79	30	total	total	ADJ
aijes-7168	79	31	repayment	repayment	NOUN
aijes-7168	79	32	values	value	NOUN
aijes-7168	79	33	.	.	PUNCT
aijes-7168	80	1	artea	artea	NOUN
aijes-7168	80	2	falls	fall	VERB
aijes-7168	80	3	between	between	ADP
aijes-7168	80	4	the	the	DET
aijes-7168	80	5	two	two	NUM
aijes-7168	80	6	but	but	CCONJ
aijes-7168	80	7	remains	remain	VERB
aijes-7168	80	8	closer	close	ADJ
aijes-7168	80	9	to	to	ADP
aijes-7168	80	10	saldo	saldo	PROPN
aijes-7168	80	11	bank	bank	PROPN
aijes-7168	80	12	in	in	ADP
aijes-7168	80	13	overall	overall	ADJ
aijes-7168	80	14	cost	cost	NOUN
aijes-7168	80	15	than	than	SCONJ
aijes-7168	80	16	to	to	PART
aijes-7168	80	17	inbank	inbank	VERB
aijes-7168	80	18	.	.	PUNCT
aijes-7168	81	1	6.2	6.2	NUM
aijes-7168	81	2	likely	likely	ADJ
aijes-7168	81	3	consumer	consumer	NOUN
aijes-7168	81	4	behavior	behavior	NOUN
aijes-7168	81	5	from	from	ADP
aijes-7168	81	6	a	a	DET
aijes-7168	81	7	behavioral	behavioral	ADJ
aijes-7168	81	8	standpoint	standpoint	NOUN
aijes-7168	81	9	,	,	PUNCT
aijes-7168	81	10	typical	typical	ADJ
aijes-7168	81	11	consumers	consumer	NOUN
aijes-7168	81	12	may	may	AUX
aijes-7168	81	13	prioritize	prioritize	VERB
aijes-7168	81	14	monthly	monthly	ADJ
aijes-7168	81	15	affordability	affordability	NOUN
aijes-7168	81	16	over	over	ADP
aijes-7168	81	17	total	total	ADJ
aijes-7168	81	18	cost	cost	NOUN
aijes-7168	81	19	.	.	PUNCT
aijes-7168	82	1	in	in	ADP
aijes-7168	82	2	this	this	DET
aijes-7168	82	3	case	case	NOUN
aijes-7168	82	4	,	,	PUNCT
aijes-7168	82	5	saldo	saldo	PROPN
aijes-7168	82	6	bank	bank	PROPN
aijes-7168	82	7	’s	’s	PART
aijes-7168	82	8	longer	long	ADJ
aijes-7168	82	9	-	-	PUNCT
aijes-7168	82	10	term	term	NOUN
aijes-7168	82	11	loans	loan	NOUN
aijes-7168	82	12	with	with	ADP
aijes-7168	82	13	lower	low	ADJ
aijes-7168	82	14	apparent	apparent	ADJ
aijes-7168	82	15	administrative	administrative	ADJ
aijes-7168	82	16	fees	fee	NOUN
aijes-7168	82	17	may	may	AUX
aijes-7168	82	18	seem	seem	VERB
aijes-7168	82	19	attractive	attractive	ADJ
aijes-7168	82	20	,	,	PUNCT
aijes-7168	82	21	despite	despite	SCONJ
aijes-7168	82	22	being	be	AUX
aijes-7168	82	23	more	more	ADV
aijes-7168	82	24	expensive	expensive	ADJ
aijes-7168	82	25	in	in	ADP
aijes-7168	82	26	the	the	DET
aijes-7168	82	27	long	long	ADJ
aijes-7168	82	28	run	run	NOUN
aijes-7168	82	29	.	.	PUNCT
aijes-7168	83	1	borrowers	borrower	NOUN
aijes-7168	83	2	focusing	focus	VERB
aijes-7168	83	3	on	on	ADP
aijes-7168	83	4	short	short	ADJ
aijes-7168	83	5	-	-	PUNCT
aijes-7168	83	6	term	term	NOUN
aijes-7168	83	7	financial	financial	ADJ
aijes-7168	83	8	comfort	comfort	NOUN
aijes-7168	83	9	might	might	AUX
aijes-7168	83	10	choose	choose	VERB
aijes-7168	83	11	a	a	DET
aijes-7168	83	12	36	36	NUM
aijes-7168	83	13	-	-	PUNCT
aijes-7168	83	14	month	month	NOUN
aijes-7168	83	15	option	option	NOUN
aijes-7168	83	16	,	,	PUNCT
aijes-7168	83	17	where	where	SCONJ
aijes-7168	83	18	monthly	monthly	ADJ
aijes-7168	83	19	payments	payment	NOUN
aijes-7168	83	20	are	be	AUX
aijes-7168	83	21	more	more	ADV
aijes-7168	83	22	manageable	manageable	ADJ
aijes-7168	83	23	,	,	PUNCT
aijes-7168	83	24	even	even	ADV
aijes-7168	83	25	though	though	SCONJ
aijes-7168	83	26	it	it	PRON
aijes-7168	83	27	leads	lead	VERB
aijes-7168	83	28	to	to	ADP
aijes-7168	83	29	higher	high	ADJ
aijes-7168	83	30	cumulative	cumulative	ADJ
aijes-7168	83	31	interest	interest	NOUN
aijes-7168	83	32	paid	pay	VERB
aijes-7168	83	33	.	.	PUNCT
aijes-7168	84	1	thus	thus	ADV
aijes-7168	84	2	,	,	PUNCT
aijes-7168	84	3	while	while	SCONJ
aijes-7168	84	4	inbank	inbank	NOUN
aijes-7168	84	5	is	be	AUX
aijes-7168	84	6	financially	financially	ADV
aijes-7168	84	7	optimal	optimal	ADJ
aijes-7168	84	8	using	use	VERB
aijes-7168	84	9	tvm	tvm	NOUN
aijes-7168	84	10	,	,	PUNCT
aijes-7168	84	11	a	a	DET
aijes-7168	84	12	typical	typical	ADJ
aijes-7168	84	13	borrower	borrower	NOUN
aijes-7168	84	14	might	might	AUX
aijes-7168	84	15	still	still	ADV
aijes-7168	84	16	choose	choose	VERB
aijes-7168	84	17	a	a	DET
aijes-7168	84	18	less	less	ADV
aijes-7168	84	19	cost	cost	NOUN
aijes-7168	84	20	-	-	PUNCT
aijes-7168	84	21	effective	effective	ADJ
aijes-7168	84	22	option	option	NOUN
aijes-7168	84	23	due	due	ADP
aijes-7168	84	24	to	to	ADP
aijes-7168	84	25	cash	cash	NOUN
aijes-7168	84	26	flow	flow	NOUN
aijes-7168	84	27	constraints	constraint	NOUN
aijes-7168	84	28	or	or	CCONJ
aijes-7168	84	29	a	a	DET
aijes-7168	84	30	lack	lack	NOUN
aijes-7168	84	31	of	of	ADP
aijes-7168	84	32	awareness	awareness	NOUN
aijes-7168	84	33	about	about	ADP
aijes-7168	84	34	the	the	DET
aijes-7168	84	35	real	real	ADJ
aijes-7168	84	36	cost	cost	NOUN
aijes-7168	84	37	of	of	ADP
aijes-7168	84	38	borrowing	borrowing	NOUN
aijes-7168	84	39	.	.	PUNCT
aijes-7168	85	1	6.3	6.3	NUM
aijes-7168	85	2	limitations	limitation	NOUN
aijes-7168	85	3	of	of	ADP
aijes-7168	85	4	the	the	DET
aijes-7168	85	5	analysis	analysis	NOUN
aijes-7168	85	6	this	this	DET
aijes-7168	85	7	study	study	NOUN
aijes-7168	85	8	is	be	AUX
aijes-7168	85	9	based	base	VERB
aijes-7168	85	10	on	on	ADP
aijes-7168	85	11	clear	clear	ADJ
aijes-7168	85	12	,	,	PUNCT
aijes-7168	85	13	objective	objective	ADJ
aijes-7168	85	14	tvm	tvm	NOUN
aijes-7168	85	15	metrics	metric	NOUN
aijes-7168	85	16	,	,	PUNCT
aijes-7168	85	17	but	but	CCONJ
aijes-7168	85	18	it	it	PRON
aijes-7168	85	19	does	do	AUX
aijes-7168	85	20	have	have	VERB
aijes-7168	85	21	several	several	ADJ
aijes-7168	85	22	limitations	limitation	NOUN
aijes-7168	85	23	.	.	PUNCT
aijes-7168	86	1	subjective	subjective	ADJ
aijes-7168	86	2	weights	weight	NOUN
aijes-7168	86	3	were	be	AUX
aijes-7168	86	4	not	not	PART
aijes-7168	86	5	assigned	assign	VERB
aijes-7168	86	6	to	to	ADP
aijes-7168	86	7	factors	factor	NOUN
aijes-7168	86	8	such	such	ADJ
aijes-7168	86	9	as	as	ADP
aijes-7168	86	10	risk	risk	NOUN
aijes-7168	86	11	tolerance	tolerance	NOUN
aijes-7168	86	12	,	,	PUNCT
aijes-7168	86	13	income	income	NOUN
aijes-7168	86	14	stability	stability	NOUN
aijes-7168	86	15	,	,	PUNCT
aijes-7168	86	16	or	or	CCONJ
aijes-7168	86	17	borrower	borrower	NOUN
aijes-7168	86	18	preferences	preference	NOUN
aijes-7168	86	19	.	.	PUNCT
aijes-7168	87	1	the	the	DET
aijes-7168	87	2	analysis	analysis	NOUN
aijes-7168	87	3	does	do	AUX
aijes-7168	87	4	not	not	PART
aijes-7168	87	5	account	account	VERB
aijes-7168	87	6	for	for	ADP
aijes-7168	87	7	penalties	penalty	NOUN
aijes-7168	87	8	,	,	PUNCT
aijes-7168	87	9	early	early	ADJ
aijes-7168	87	10	repayment	repayment	NOUN
aijes-7168	87	11	conditions	condition	NOUN
aijes-7168	87	12	,	,	PUNCT
aijes-7168	87	13	or	or	CCONJ
aijes-7168	87	14	promotional	promotional	ADJ
aijes-7168	87	15	offers	offer	NOUN
aijes-7168	87	16	,	,	PUNCT
aijes-7168	87	17	which	which	PRON
aijes-7168	87	18	may	may	AUX
aijes-7168	87	19	affect	affect	VERB
aijes-7168	87	20	the	the	DET
aijes-7168	87	21	real	real	ADJ
aijes-7168	87	22	cost	cost	NOUN
aijes-7168	87	23	it	it	PRON
aijes-7168	87	24	assumes	assume	VERB
aijes-7168	87	25	borrowers	borrower	NOUN
aijes-7168	87	26	are	be	AUX
aijes-7168	87	27	fully	fully	ADV
aijes-7168	87	28	rational	rational	ADJ
aijes-7168	87	29	,	,	PUNCT
aijes-7168	87	30	while	while	SCONJ
aijes-7168	87	31	consumer	consumer	NOUN
aijes-7168	87	32	behavior	behavior	NOUN
aijes-7168	87	33	is	be	AUX
aijes-7168	87	34	often	often	ADV
aijes-7168	87	35	influenced	influence	VERB
aijes-7168	87	36	by	by	ADP
aijes-7168	87	37	emotions	emotion	NOUN
aijes-7168	87	38	,	,	PUNCT
aijes-7168	87	39	financial	financial	ADJ
aijes-7168	87	40	literacy	literacy	NOUN
aijes-7168	87	41	,	,	PUNCT
aijes-7168	87	42	or	or	CCONJ
aijes-7168	87	43	marketing	marketing	NOUN
aijes-7168	87	44	tactics	tactic	NOUN
aijes-7168	87	45	.	.	PUNCT
aijes-7168	88	1	monthly	monthly	ADJ
aijes-7168	88	2	administrative	administrative	ADJ
aijes-7168	88	3	fees	fee	NOUN
aijes-7168	88	4	were	be	AUX
aijes-7168	88	5	treated	treat	VERB
aijes-7168	88	6	as	as	ADP
aijes-7168	88	7	fixed	fix	VERB
aijes-7168	88	8	,	,	PUNCT
aijes-7168	88	9	though	though	SCONJ
aijes-7168	88	10	in	in	ADP
aijes-7168	88	11	practice	practice	NOUN
aijes-7168	88	12	,	,	PUNCT
aijes-7168	88	13	they	they	PRON
aijes-7168	88	14	may	may	AUX
aijes-7168	88	15	vary	vary	VERB
aijes-7168	88	16	based	base	VERB
aijes-7168	88	17	on	on	ADP
aijes-7168	88	18	conditions	condition	NOUN
aijes-7168	88	19	not	not	PART
aijes-7168	88	20	publicly	publicly	ADV
aijes-7168	88	21	disclosed	disclose	VERB
aijes-7168	88	22	.	.	PUNCT
aijes-7168	89	1	6.4	6.4	NUM
aijes-7168	89	2	recommendations	recommendation	NOUN
aijes-7168	89	3	for	for	ADP
aijes-7168	89	4	borrowers	borrower	NOUN
aijes-7168	89	5	:	:	PUNCT
aijes-7168	89	6	if	if	SCONJ
aijes-7168	89	7	financial	financial	ADJ
aijes-7168	89	8	flexibility	flexibility	NOUN
aijes-7168	89	9	allows	allow	VERB
aijes-7168	89	10	,	,	PUNCT
aijes-7168	89	11	choosing	choose	VERB
aijes-7168	89	12	shorter	short	ADJ
aijes-7168	89	13	-	-	PUNCT
aijes-7168	89	14	term	term	NOUN
aijes-7168	89	15	loans	loan	NOUN
aijes-7168	89	16	—	—	PUNCT
aijes-7168	89	17	especially	especially	ADV
aijes-7168	89	18	from	from	ADP
aijes-7168	89	19	inbank	inbank	NOUN
aijes-7168	89	20	—	—	PUNCT
aijes-7168	89	21	results	result	VERB
aijes-7168	89	22	in	in	ADP
aijes-7168	89	23	lower	low	ADJ
aijes-7168	89	24	overall	overall	ADJ
aijes-7168	89	25	borrowing	borrowing	NOUN
aijes-7168	89	26	costs	cost	NOUN
aijes-7168	89	27	.	.	PUNCT
aijes-7168	90	1	borrowers	borrower	NOUN
aijes-7168	90	2	should	should	AUX
aijes-7168	90	3	not	not	PART
aijes-7168	90	4	focus	focus	VERB
aijes-7168	90	5	solely	solely	ADV
aijes-7168	90	6	on	on	ADP
aijes-7168	90	7	monthly	monthly	ADJ
aijes-7168	90	8	payments	payment	NOUN
aijes-7168	90	9	but	but	CCONJ
aijes-7168	90	10	should	should	AUX
aijes-7168	90	11	also	also	ADV
aijes-7168	90	12	compare	compare	VERB
aijes-7168	90	13	total	total	ADJ
aijes-7168	90	14	repayment	repayment	NOUN
aijes-7168	90	15	amounts	amount	NOUN
aijes-7168	90	16	and	and	CCONJ
aijes-7168	90	17	interest	interest	NOUN
aijes-7168	90	18	paid	pay	VERB
aijes-7168	90	19	.	.	PUNCT
aijes-7168	91	1	for	for	ADP
aijes-7168	91	2	lenders	lender	NOUN
aijes-7168	91	3	:	:	PUNCT
aijes-7168	91	4	transparency	transparency	NOUN
aijes-7168	91	5	about	about	ADP
aijes-7168	91	6	total	total	ADJ
aijes-7168	91	7	cost	cost	NOUN
aijes-7168	91	8	,	,	PUNCT
aijes-7168	91	9	including	include	VERB
aijes-7168	91	10	fees	fee	NOUN
aijes-7168	91	11	,	,	PUNCT
aijes-7168	91	12	can	can	AUX
aijes-7168	91	13	build	build	VERB
aijes-7168	91	14	trust	trust	NOUN
aijes-7168	91	15	.	.	PUNCT
aijes-7168	92	1	providing	provide	VERB
aijes-7168	92	2	visual	visual	ADJ
aijes-7168	92	3	comparisons	comparison	NOUN
aijes-7168	92	4	or	or	CCONJ
aijes-7168	92	5	tvm	tvm	PROPN
aijes-7168	92	6	-	-	PUNCT
aijes-7168	92	7	based	base	VERB
aijes-7168	92	8	breakdowns	breakdown	NOUN
aijes-7168	92	9	may	may	AUX
aijes-7168	92	10	improve	improve	VERB
aijes-7168	92	11	financial	financial	ADJ
aijes-7168	92	12	literacy	literacy	NOUN
aijes-7168	92	13	and	and	CCONJ
aijes-7168	92	14	client	client	NOUN
aijes-7168	92	15	satisfaction	satisfaction	NOUN
aijes-7168	92	16	.	.	PUNCT
aijes-7168	93	1	for	for	ADP
aijes-7168	93	2	future	future	ADJ
aijes-7168	93	3	research	research	NOUN
aijes-7168	93	4	:	:	PUNCT
aijes-7168	93	5	including	include	VERB
aijes-7168	93	6	qualitative	qualitative	ADJ
aijes-7168	93	7	assessments	assessment	NOUN
aijes-7168	93	8	,	,	PUNCT
aijes-7168	93	9	borrower	borrower	NOUN
aijes-7168	93	10	profiles	profile	NOUN
aijes-7168	93	11	,	,	PUNCT
aijes-7168	93	12	or	or	CCONJ
aijes-7168	93	13	simulations	simulation	NOUN
aijes-7168	93	14	with	with	ADP
aijes-7168	93	15	varying	vary	VERB
aijes-7168	93	16	income	income	NOUN
aijes-7168	93	17	levels	level	NOUN
aijes-7168	93	18	would	would	AUX
aijes-7168	93	19	provide	provide	VERB
aijes-7168	93	20	a	a	DET
aijes-7168	93	21	more	more	ADV
aijes-7168	93	22	comprehensive	comprehensive	ADJ
aijes-7168	93	23	picture	picture	NOUN
aijes-7168	93	24	of	of	ADP
aijes-7168	93	25	borrowing	borrowing	NOUN
aijes-7168	93	26	decisions	decision	NOUN
aijes-7168	93	27	.	.	PUNCT
aijes-7168	94	1	time	time	NOUN
aijes-7168	94	2	value	value	NOUN
aijes-7168	94	3	of	of	ADP
aijes-7168	94	4	money	money	NOUN
aijes-7168	94	5	in	in	ADP
aijes-7168	94	6	the	the	DET
aijes-7168	94	7	lithuanian	lithuanian	ADJ
aijes-7168	94	8	credit	credit	NOUN
aijes-7168	94	9	market	market	NOUN
aijes-7168	94	10	:	:	PUNCT
aijes-7168	94	11	a	a	DET
aijes-7168	94	12	practical	practical	ADJ
aijes-7168	94	13	analysis	analysis	NOUN
aijes-7168	94	14	of	of	ADP
aijes-7168	94	15	consumer	consumer	NOUN
aijes-7168	94	16	loan	loan	NOUN
aijes-7168	94	17	offers	offer	VERB
aijes-7168	94	18	404	404	NUM
aijes-7168	94	19	7	7	NUM
aijes-7168	94	20	.	.	PUNCT
aijes-7168	95	1	conclusions	conclusion	NOUN
aijes-7168	95	2	this	this	DET
aijes-7168	95	3	report	report	NOUN
aijes-7168	95	4	applied	apply	VERB
aijes-7168	95	5	the	the	DET
aijes-7168	95	6	time	time	NOUN
aijes-7168	95	7	value	value	NOUN
aijes-7168	95	8	of	of	ADP
aijes-7168	95	9	money	money	NOUN
aijes-7168	95	10	(	(	PUNCT
aijes-7168	95	11	tvm	tvm	PROPN
aijes-7168	95	12	)	)	PUNCT
aijes-7168	95	13	framework	framework	NOUN
aijes-7168	95	14	to	to	PART
aijes-7168	95	15	compare	compare	VERB
aijes-7168	95	16	three	three	NUM
aijes-7168	95	17	consumer	consumer	NOUN
aijes-7168	95	18	credit	credit	NOUN
aijes-7168	95	19	offers	offer	NOUN
aijes-7168	95	20	from	from	ADP
aijes-7168	95	21	inbank	inbank	NOUN
aijes-7168	95	22	,	,	PUNCT
aijes-7168	95	23	artea	artea	NOUN
aijes-7168	95	24	,	,	PUNCT
aijes-7168	95	25	and	and	CCONJ
aijes-7168	95	26	saldo	saldo	PROPN
aijes-7168	95	27	bank	bank	PROPN
aijes-7168	95	28	.	.	PUNCT
aijes-7168	96	1	although	although	SCONJ
aijes-7168	96	2	each	each	DET
aijes-7168	96	3	company	company	NOUN
aijes-7168	96	4	offered	offer	VERB
aijes-7168	96	5	the	the	DET
aijes-7168	96	6	same	same	ADJ
aijes-7168	96	7	loan	loan	NOUN
aijes-7168	96	8	amount	amount	NOUN
aijes-7168	96	9	(	(	PUNCT
aijes-7168	96	10	€	€	SYM
aijes-7168	96	11	5000	5000	NUM
aijes-7168	96	12	)	)	PUNCT
aijes-7168	96	13	,	,	PUNCT
aijes-7168	96	14	differences	difference	NOUN
aijes-7168	96	15	in	in	ADP
aijes-7168	96	16	interest	interest	NOUN
aijes-7168	96	17	rates	rate	NOUN
aijes-7168	96	18	,	,	PUNCT
aijes-7168	96	19	repayment	repayment	NOUN
aijes-7168	96	20	terms	term	NOUN
aijes-7168	96	21	,	,	PUNCT
aijes-7168	96	22	and	and	CCONJ
aijes-7168	96	23	administrative	administrative	ADJ
aijes-7168	96	24	fees	fee	NOUN
aijes-7168	96	25	significantly	significantly	ADV
aijes-7168	96	26	influenced	influence	VERB
aijes-7168	96	27	the	the	DET
aijes-7168	96	28	total	total	ADJ
aijes-7168	96	29	cost	cost	NOUN
aijes-7168	96	30	of	of	ADP
aijes-7168	96	31	borrowing	borrowing	NOUN
aijes-7168	96	32	.	.	PUNCT
aijes-7168	97	1	the	the	DET
aijes-7168	97	2	analysis	analysis	NOUN
aijes-7168	97	3	showed	show	VERB
aijes-7168	97	4	that	that	SCONJ
aijes-7168	97	5	inbank	inbank	NOUN
aijes-7168	97	6	consistently	consistently	ADV
aijes-7168	97	7	provided	provide	VERB
aijes-7168	97	8	the	the	DET
aijes-7168	97	9	most	most	ADV
aijes-7168	97	10	cost	cost	NOUN
aijes-7168	97	11	-	-	PUNCT
aijes-7168	97	12	effective	effective	ADJ
aijes-7168	97	13	option	option	NOUN
aijes-7168	97	14	,	,	PUNCT
aijes-7168	97	15	while	while	SCONJ
aijes-7168	97	16	saldo	saldo	PROPN
aijes-7168	97	17	bank	bank	PROPN
aijes-7168	97	18	was	be	AUX
aijes-7168	97	19	the	the	DET
aijes-7168	97	20	most	most	ADV
aijes-7168	97	21	expensive	expensive	ADJ
aijes-7168	97	22	,	,	PUNCT
aijes-7168	97	23	particularly	particularly	ADV
aijes-7168	97	24	over	over	ADP
aijes-7168	97	25	longer	long	ADJ
aijes-7168	97	26	terms	term	NOUN
aijes-7168	97	27	.	.	PUNCT
aijes-7168	98	1	the	the	DET
aijes-7168	98	2	findings	finding	NOUN
aijes-7168	98	3	confirm	confirm	VERB
aijes-7168	98	4	that	that	SCONJ
aijes-7168	98	5	both	both	CCONJ
aijes-7168	98	6	the	the	DET
aijes-7168	98	7	length	length	NOUN
aijes-7168	98	8	of	of	ADP
aijes-7168	98	9	the	the	DET
aijes-7168	98	10	loan	loan	NOUN
aijes-7168	98	11	and	and	CCONJ
aijes-7168	98	12	the	the	DET
aijes-7168	98	13	interest	interest	NOUN
aijes-7168	98	14	rate	rate	NOUN
aijes-7168	98	15	are	be	AUX
aijes-7168	98	16	critical	critical	ADJ
aijes-7168	98	17	in	in	ADP
aijes-7168	98	18	determining	determine	VERB
aijes-7168	98	19	a	a	DET
aijes-7168	98	20	loan	loan	NOUN
aijes-7168	98	21	’s	’s	PART
aijes-7168	98	22	true	true	ADJ
aijes-7168	98	23	financial	financial	ADJ
aijes-7168	98	24	impact	impact	NOUN
aijes-7168	98	25	.	.	PUNCT
aijes-7168	99	1	while	while	SCONJ
aijes-7168	99	2	borrowers	borrower	NOUN
aijes-7168	99	3	often	often	ADV
aijes-7168	99	4	prioritize	prioritize	VERB
aijes-7168	99	5	low	low	ADJ
aijes-7168	99	6	monthly	monthly	ADJ
aijes-7168	99	7	payments	payment	NOUN
aijes-7168	99	8	,	,	PUNCT
aijes-7168	99	9	this	this	DET
aijes-7168	99	10	study	study	NOUN
aijes-7168	99	11	highlights	highlight	VERB
aijes-7168	99	12	the	the	DET
aijes-7168	99	13	importance	importance	NOUN
aijes-7168	99	14	of	of	ADP
aijes-7168	99	15	considering	consider	VERB
aijes-7168	99	16	total	total	ADJ
aijes-7168	99	17	repayment	repayment	NOUN
aijes-7168	99	18	and	and	CCONJ
aijes-7168	99	19	interest	interest	NOUN
aijes-7168	99	20	paid	pay	VERB
aijes-7168	99	21	over	over	ADP
aijes-7168	99	22	time	time	NOUN
aijes-7168	99	23	.	.	PUNCT
aijes-7168	100	1	by	by	ADP
aijes-7168	100	2	using	use	VERB
aijes-7168	100	3	tvm	tvm	PROPN
aijes-7168	100	4	principles	principle	NOUN
aijes-7168	100	5	,	,	PUNCT
aijes-7168	100	6	borrowers	borrower	NOUN
aijes-7168	100	7	can	can	AUX
aijes-7168	100	8	make	make	VERB
aijes-7168	100	9	more	more	ADV
aijes-7168	100	10	informed	informed	ADJ
aijes-7168	100	11	financial	financial	ADJ
aijes-7168	100	12	decisions	decision	NOUN
aijes-7168	100	13	and	and	CCONJ
aijes-7168	100	14	better	well	ADV
aijes-7168	100	15	evaluate	evaluate	VERB
aijes-7168	100	16	the	the	DET
aijes-7168	100	17	real	real	ADJ
aijes-7168	100	18	cost	cost	NOUN
aijes-7168	100	19	of	of	ADP
aijes-7168	100	20	credit	credit	NOUN
aijes-7168	100	21	.	.	PUNCT
aijes-7168	101	1	references	reference	NOUN
aijes-7168	101	2	1	1	NUM
aijes-7168	101	3	.	.	X
aijes-7168	101	4	bracker	bracker	PROPN
aijes-7168	101	5	,	,	PUNCT
aijes-7168	101	6	kevin	kevin	PROPN
aijes-7168	101	7	,	,	PUNCT
aijes-7168	101	8	and	and	CCONJ
aijes-7168	101	9	fang	fang	PROPN
aijes-7168	101	10	lin	lin	PROPN
aijes-7168	101	11	.	.	PUNCT
aijes-7168	102	1	"	"	PUNCT
aijes-7168	102	2	–	–	PUNCT
aijes-7168	102	3	time	time	NOUN
aijes-7168	102	4	value	value	NOUN
aijes-7168	102	5	of	of	ADP
aijes-7168	102	6	money	money	NOUN
aijes-7168	102	7	.	.	PUNCT
aijes-7168	102	8	"	"	PUNCT
aijes-7168	103	1	business	business	NOUN
aijes-7168	103	2	finance	finance	NOUN
aijes-7168	103	3	essentials	essential	NOUN
aijes-7168	103	4	(	(	PUNCT
aijes-7168	103	5	2018	2018	NUM
aijes-7168	103	6	)	)	PUNCT
aijes-7168	103	7	.	.	PUNCT
aijes-7168	104	1	2	2	X
aijes-7168	104	2	.	.	X
aijes-7168	104	3	brealey	brealey	PROPN
aijes-7168	104	4	,	,	PUNCT
aijes-7168	104	5	richard	richard	NOUN
aijes-7168	104	6	a	a	PRON
aijes-7168	104	7	,	,	PUNCT
aijes-7168	104	8	and	and	CCONJ
aijes-7168	104	9	stewart	stewart	PROPN
aijes-7168	104	10	c	c	PROPN
aijes-7168	104	11	myers	myers	PROPN
aijes-7168	104	12	.	.	PUNCT
aijes-7168	105	1	principles	principle	NOUN
aijes-7168	105	2	of	of	ADP
aijes-7168	105	3	corporate	corporate	ADJ
aijes-7168	105	4	finance	finance	NOUN
aijes-7168	105	5	/	/	SYM
aijes-7168	105	6	richard	richard	PROPN
aijes-7168	105	7	a.	a.	NOUN
aijes-7168	105	8	brealey	brealey	PROPN
aijes-7168	105	9	,	,	PUNCT
aijes-7168	105	10	stewart	stewart	PROPN
aijes-7168	105	11	c.	c.	PROPN
aijes-7168	105	12	myers	myers	PROPN
aijes-7168	105	13	.	.	PUNCT
aijes-7168	106	1	6th	6th	ADJ
aijes-7168	106	2	ed	ed	NOUN
aijes-7168	106	3	.	.	PUNCT
aijes-7168	107	1	boston	boston	PROPN
aijes-7168	108	1	[	[	X
aijes-7168	108	2	mass	mass	PROPN
aijes-7168	108	3	.	.	PUNCT
aijes-7168	108	4	]	]	PUNCT
aijes-7168	109	1	[	[	X
aijes-7168	109	2	etc	etc	X
aijes-7168	109	3	:	:	PUNCT
aijes-7168	109	4	irwin	irwin	PROPN
aijes-7168	109	5	/	/	SYM
aijes-7168	109	6	mcgraw	mcgraw	PROPN
aijes-7168	109	7	-	-	PUNCT
aijes-7168	109	8	hill	hill	NOUN
aijes-7168	109	9	.	.	PROPN
aijes-7168	109	10	,	,	PUNCT
aijes-7168	109	11	2000	2000	NUM
aijes-7168	109	12	.	.	PUNCT
aijes-7168	110	1	print	print	NOUN
aijes-7168	110	2	.	.	PUNCT
aijes-7168	111	1	3	3	X
aijes-7168	111	2	.	.	X
aijes-7168	111	3	fabozzi	fabozzi	PROPN
aijes-7168	111	4	,	,	PUNCT
aijes-7168	111	5	frank	frank	PROPN
aijes-7168	111	6	j.	j.	PROPN
aijes-7168	111	7	,	,	PUNCT
aijes-7168	111	8	and	and	CCONJ
aijes-7168	111	9	francesco	francesco	PROPN
aijes-7168	111	10	a.	a.	PROPN
aijes-7168	111	11	fabozzi	fabozzi	PROPN
aijes-7168	111	12	.	.	PUNCT
aijes-7168	112	1	bond	bond	NOUN
aijes-7168	112	2	markets	market	NOUN
aijes-7168	112	3	,	,	PUNCT
aijes-7168	112	4	analysis	analysis	NOUN
aijes-7168	112	5	,	,	PUNCT
aijes-7168	112	6	and	and	CCONJ
aijes-7168	112	7	strategies	strategy	NOUN
aijes-7168	112	8	.	.	PUNCT
aijes-7168	113	1	mit	mit	PROPN
aijes-7168	113	2	press	press	NOUN
aijes-7168	113	3	,	,	PUNCT
aijes-7168	113	4	2021	2021	NUM
aijes-7168	113	5	.	.	PUNCT
aijes-7168	114	1	4	4	NUM
aijes-7168	114	2	.	.	X
aijes-7168	114	3	gould	gould	PROPN
aijes-7168	114	4	,	,	PUNCT
aijes-7168	114	5	marie	marie	PROPN
aijes-7168	114	6	.	.	PUNCT
aijes-7168	115	1	"	"	PUNCT
aijes-7168	115	2	time	time	NOUN
aijes-7168	115	3	value	value	NOUN
aijes-7168	115	4	for	for	ADP
aijes-7168	115	5	money	money	NOUN
aijes-7168	115	6	.	.	PUNCT
aijes-7168	115	7	"	"	PUNCT
aijes-7168	116	1	(	(	PUNCT
aijes-7168	116	2	2021	2021	NUM
aijes-7168	116	3	)	)	PUNCT
aijes-7168	116	4	5	5	NUM
aijes-7168	116	5	.	.	X
aijes-7168	116	6	johnson	johnson	PROPN
aijes-7168	116	7	,	,	PUNCT
aijes-7168	116	8	alicia	alicia	PROPN
aijes-7168	116	9	m.	m.	VERB
aijes-7168	116	10	the	the	DET
aijes-7168	116	11	effects	effect	NOUN
aijes-7168	116	12	of	of	ADP
aijes-7168	116	13	consumer	consumer	NOUN
aijes-7168	116	14	loan	loan	NOUN
aijes-7168	116	15	application	application	NOUN
aijes-7168	116	16	formats	format	NOUN
aijes-7168	116	17	and	and	CCONJ
aijes-7168	116	18	advertised	advertise	VERB
aijes-7168	116	19	terms	term	NOUN
aijes-7168	116	20	on	on	ADP
aijes-7168	116	21	consumer	consumer	NOUN
aijes-7168	116	22	borrowing	borrowing	NOUN
aijes-7168	116	23	decisions	decision	NOUN
aijes-7168	116	24	.	.	PUNCT
aijes-7168	117	1	university	university	NOUN
aijes-7168	117	2	of	of	ADP
aijes-7168	117	3	arkansas	arkansas	PROPN
aijes-7168	117	4	,	,	PUNCT
aijes-7168	117	5	2022	2022	NUM
aijes-7168	117	6	.	.	PUNCT
aijes-7168	118	1	6	6	NUM
aijes-7168	118	2	.	.	X
aijes-7168	118	3	jordan	jordan	PROPN
aijes-7168	118	4	,	,	PUNCT
aijes-7168	118	5	bradford	bradford	PROPN
aijes-7168	118	6	d.	d.	PROPN
aijes-7168	118	7	,	,	PUNCT
aijes-7168	118	8	stephen	stephen	PROPN
aijes-7168	118	9	a.	a.	PROPN
aijes-7168	118	10	ross	ross	PROPN
aijes-7168	118	11	,	,	PUNCT
aijes-7168	118	12	and	and	CCONJ
aijes-7168	118	13	randolph	randolph	PROPN
aijes-7168	118	14	w.	w.	PROPN
aijes-7168	118	15	westerfield	westerfield	PROPN
aijes-7168	118	16	.	.	PUNCT
aijes-7168	119	1	"	"	PUNCT
aijes-7168	119	2	fundamentals	fundamental	NOUN
aijes-7168	119	3	of	of	ADP
aijes-7168	119	4	corporate	corporate	ADJ
aijes-7168	119	5	finance	finance	NOUN
aijes-7168	119	6	.	.	PUNCT
aijes-7168	119	7	"	"	PUNCT
aijes-7168	120	1	(	(	PUNCT
aijes-7168	120	2	2003	2003	NUM
aijes-7168	120	3	):	):	PUNCT
aijes-7168	120	4	167	167	NUM
aijes-7168	120	5	.	.	X
aijes-7168	121	1	7	7	X
aijes-7168	121	2	.	.	X
aijes-7168	121	3	julie	julie	PROPN
aijes-7168	121	4	dahlquist	dahlquist	PROPN
aijes-7168	121	5	,	,	PUNCT
aijes-7168	121	6	rainford	rainford	NOUN
aijes-7168	121	7	knight	knight	NOUN
aijes-7168	121	8	.	.	PUNCT
aijes-7168	122	1	(	(	PUNCT
aijes-7168	122	2	2022	2022	NUM
aijes-7168	122	3	)	)	PUNCT
aijes-7168	122	4	.	.	PUNCT
aijes-7168	123	1	principles	principle	NOUN
aijes-7168	123	2	of	of	ADP
aijes-7168	123	3	finance	finance	NOUN
aijes-7168	123	4	.	.	PUNCT
aijes-7168	124	1	houston	houston	PROPN
aijes-7168	124	2	,	,	PUNCT
aijes-7168	124	3	texas	texas	PROPN
aijes-7168	124	4	:	:	PUNCT
aijes-7168	124	5	openstax	openstax	ADJ
aijes-7168	124	6	.	.	PUNCT
aijes-7168	125	1	8	8	X
aijes-7168	125	2	.	.	X
aijes-7168	126	1	kahn	kahn	PROPN
aijes-7168	126	2	,	,	PUNCT
aijes-7168	126	3	marc	marc	PROPN
aijes-7168	126	4	j.	j.	PROPN
aijes-7168	126	5	,	,	PUNCT
aijes-7168	126	6	and	and	CCONJ
aijes-7168	126	7	neil	neil	PROPN
aijes-7168	126	8	baum	baum	PROPN
aijes-7168	126	9	.	.	PUNCT
aijes-7168	126	10	"	"	PUNCT
aijes-7168	126	11	time	time	NOUN
aijes-7168	126	12	value	value	NOUN
aijes-7168	126	13	of	of	ADP
aijes-7168	126	14	money	money	NOUN
aijes-7168	126	15	,	,	PUNCT
aijes-7168	126	16	or	or	CCONJ
aijes-7168	126	17	what	what	PRON
aijes-7168	126	18	is	be	AUX
aijes-7168	126	19	the	the	DET
aijes-7168	126	20	real	real	ADJ
aijes-7168	126	21	financial	financial	ADJ
aijes-7168	126	22	value	value	NOUN
aijes-7168	126	23	of	of	ADP
aijes-7168	126	24	an	an	DET
aijes-7168	126	25	opportunity	opportunity	NOUN
aijes-7168	126	26	?	?	PUNCT
aijes-7168	126	27	.	.	PUNCT
aijes-7168	126	28	"	"	PUNCT
aijes-7168	127	1	the	the	DET
aijes-7168	127	2	business	business	NOUN
aijes-7168	127	3	basics	basic	NOUN
aijes-7168	127	4	of	of	ADP
aijes-7168	127	5	building	building	NOUN
aijes-7168	127	6	and	and	CCONJ
aijes-7168	127	7	managing	manage	VERB
aijes-7168	127	8	a	a	DET
aijes-7168	127	9	healthcare	healthcare	NOUN
aijes-7168	127	10	practice	practice	NOUN
aijes-7168	127	11	.	.	PUNCT
aijes-7168	128	1	cham	cham	PROPN
aijes-7168	128	2	:	:	PUNCT
aijes-7168	128	3	springer	springer	NOUN
aijes-7168	128	4	international	international	ADJ
aijes-7168	128	5	publishing	publishing	NOUN
aijes-7168	128	6	,	,	PUNCT
aijes-7168	128	7	2019	2019	NUM
aijes-7168	128	8	.	.	PUNCT
aijes-7168	129	1	9	9	NUM
aijes-7168	129	2	-	-	SYM
aijes-7168	129	3	12	12	NUM
aijes-7168	129	4	.	.	PUNCT
aijes-7168	130	1	9	9	NUM
aijes-7168	130	2	.	.	X
aijes-7168	130	3	kanapickienė	kanapickienė	PROPN
aijes-7168	130	4	,	,	PUNCT
aijes-7168	130	5	rasa	rasa	PROPN
aijes-7168	130	6	,	,	PUNCT
aijes-7168	130	7	et	et	PROPN
aijes-7168	130	8	al	al	PROPN
aijes-7168	130	9	.	.	PUNCT
aijes-7168	131	1	"	"	PUNCT
aijes-7168	131	2	macroeconomic	macroeconomic	ADJ
aijes-7168	131	3	determinants	determinant	NOUN
aijes-7168	131	4	of	of	ADP
aijes-7168	131	5	credit	credit	NOUN
aijes-7168	131	6	risk	risk	NOUN
aijes-7168	131	7	:	:	PUNCT
aijes-7168	131	8	evidence	evidence	NOUN
aijes-7168	131	9	on	on	ADP
aijes-7168	131	10	the	the	DET
aijes-7168	131	11	impact	impact	NOUN
aijes-7168	131	12	on	on	ADP
aijes-7168	131	13	consumer	consumer	NOUN
aijes-7168	131	14	credit	credit	NOUN
aijes-7168	131	15	in	in	ADP
aijes-7168	131	16	central	central	ADJ
aijes-7168	131	17	and	and	CCONJ
aijes-7168	131	18	eastern	eastern	ADJ
aijes-7168	131	19	european	european	ADJ
aijes-7168	131	20	countries	country	NOUN
aijes-7168	131	21	.	.	PUNCT
aijes-7168	131	22	"	"	PUNCT
aijes-7168	132	1	sustainability	sustainability	NOUN
aijes-7168	132	2	14.20	14.20	NUM
aijes-7168	132	3	(	(	PUNCT
aijes-7168	132	4	2022	2022	NUM
aijes-7168	132	5	):	):	PUNCT
aijes-7168	132	6	13219	13219	NUM
aijes-7168	132	7	.	.	PUNCT
aijes-7168	133	1	10	10	NUM
aijes-7168	133	2	.	.	PUNCT
aijes-7168	134	1	lawrence	lawrence	PROPN
aijes-7168	134	2	,	,	PUNCT
aijes-7168	134	3	gitman	gitman	PROPN
aijes-7168	134	4	j.	j.	PROPN
aijes-7168	134	5	,	,	PUNCT
aijes-7168	134	6	and	and	CCONJ
aijes-7168	134	7	chad	chad	PROPN
aijes-7168	134	8	j.	j.	PROPN
aijes-7168	134	9	zutter	zutter	PROPN
aijes-7168	134	10	.	.	PUNCT
aijes-7168	135	1	principles	principle	NOUN
aijes-7168	135	2	of	of	ADP
aijes-7168	135	3	:	:	PUNCT
aijes-7168	135	4	managerial	managerial	ADJ
aijes-7168	135	5	finance	finance	NOUN
aijes-7168	135	6	.	.	PUNCT
aijes-7168	136	1	pearson	pearson	PROPN
aijes-7168	136	2	addison	addison	PROPN
aijes-7168	136	3	wesley	wesley	PROPN
aijes-7168	136	4	,	,	PUNCT
aijes-7168	136	5	2006	2006	NUM
aijes-7168	136	6	.	.	PUNCT
aijes-7168	137	1	11	11	NUM
aijes-7168	137	2	.	.	X
aijes-7168	138	1	lin	lin	PROPN
aijes-7168	138	2	,	,	PUNCT
aijes-7168	138	3	chien	chien	PROPN
aijes-7168	138	4	-	-	PUNCT
aijes-7168	138	5	an	an	PROPN
aijes-7168	138	6	,	,	PUNCT
aijes-7168	138	7	and	and	CCONJ
aijes-7168	138	8	timothy	timothy	PROPN
aijes-7168	138	9	c.	c.	PROPN
aijes-7168	138	10	bates	bates	PROPN
aijes-7168	138	11	.	.	PUNCT
aijes-7168	139	1	"	"	PUNCT
aijes-7168	139	2	smart	smart	ADJ
aijes-7168	139	3	people	people	NOUN
aijes-7168	139	4	know	know	VERB
aijes-7168	139	5	how	how	SCONJ
aijes-7168	139	6	the	the	DET
aijes-7168	139	7	economy	economy	NOUN
aijes-7168	139	8	works	work	VERB
aijes-7168	139	9	:	:	PUNCT
aijes-7168	139	10	cognitive	cognitive	ADJ
aijes-7168	139	11	ability	ability	NOUN
aijes-7168	139	12	,	,	PUNCT
aijes-7168	139	13	economic	economic	ADJ
aijes-7168	139	14	knowledge	knowledge	NOUN
aijes-7168	139	15	and	and	CCONJ
aijes-7168	139	16	financial	financial	ADJ
aijes-7168	139	17	literacy	literacy	NOUN
aijes-7168	139	18	.	.	PUNCT
aijes-7168	139	19	"	"	PUNCT
aijes-7168	140	1	intelligence	intelligence	NOUN
aijes-7168	140	2	93	93	NUM
aijes-7168	140	3	(	(	PUNCT
aijes-7168	140	4	2022	2022	NUM
aijes-7168	140	5	):	):	PUNCT
aijes-7168	140	6	101667	101667	NUM
aijes-7168	140	7	.	.	PUNCT
aijes-7168	141	1	12	12	NUM
aijes-7168	141	2	.	.	PUNCT
aijes-7168	141	3	lusardi	lusardi	PROPN
aijes-7168	141	4	,	,	PUNCT
aijes-7168	141	5	annamaria	annamaria	VERB
aijes-7168	141	6	.	.	PUNCT
aijes-7168	142	1	"	"	PUNCT
aijes-7168	142	2	financial	financial	ADJ
aijes-7168	142	3	literacy	literacy	NOUN
aijes-7168	142	4	and	and	CCONJ
aijes-7168	142	5	the	the	DET
aijes-7168	142	6	need	need	NOUN
aijes-7168	142	7	for	for	ADP
aijes-7168	142	8	financial	financial	ADJ
aijes-7168	142	9	education	education	NOUN
aijes-7168	142	10	:	:	PUNCT
aijes-7168	142	11	evidence	evidence	NOUN
aijes-7168	142	12	and	and	CCONJ
aijes-7168	142	13	implications	implication	NOUN
aijes-7168	142	14	.	.	PUNCT
aijes-7168	142	15	"	"	PUNCT
aijes-7168	143	1	swiss	swiss	ADJ
aijes-7168	143	2	journal	journal	NOUN
aijes-7168	143	3	of	of	ADP
aijes-7168	143	4	economics	economic	NOUN
aijes-7168	143	5	and	and	CCONJ
aijes-7168	143	6	statistics	statistic	NOUN
aijes-7168	143	7	155.1	155.1	NUM
aijes-7168	143	8	(	(	PUNCT
aijes-7168	143	9	2019	2019	NUM
aijes-7168	143	10	):	):	PUNCT
aijes-7168	143	11	1	1	NUM
aijes-7168	143	12	-	-	SYM
aijes-7168	143	13	8	8	NUM
aijes-7168	143	14	.	.	NOUN
aijes-7168	143	15	13	13	NUM
aijes-7168	143	16	.	.	X
aijes-7168	144	1	mishkin	mishkin	PROPN
aijes-7168	144	2	,	,	PUNCT
aijes-7168	144	3	frederic	frederic	PROPN
aijes-7168	144	4	s.	s.	PROPN
aijes-7168	144	5	,	,	PUNCT
aijes-7168	144	6	eakins	eakins	PROPN
aijes-7168	144	7	,	,	PUNCT
aijes-7168	144	8	stanley	stanley	NOUN
aijes-7168	144	9	g	g	PROPN
aijes-7168	144	10	..	..	PUNCT
aijes-7168	144	11	(	(	PUNCT
aijes-7168	144	12	2018	2018	NUM
aijes-7168	144	13	)	)	PUNCT
aijes-7168	144	14	.	.	PUNCT
aijes-7168	145	1	financial	financial	ADJ
aijes-7168	145	2	markets	market	NOUN
aijes-7168	145	3	and	and	CCONJ
aijes-7168	145	4	institutions	institution	NOUN
aijes-7168	145	5	(	(	PUNCT
aijes-7168	145	6	9th	9th	ADJ
aijes-7168	145	7	ed	ed	NOUN
aijes-7168	145	8	.	.	PUNCT
aijes-7168	145	9	)	)	PUNCT
aijes-7168	145	10	.	.	PUNCT
aijes-7168	146	1	milan	milan	PROPN
aijes-7168	146	2	:	:	PUNCT
aijes-7168	146	3	pearson	pearson	PROPN
aijes-7168	146	4	.	.	PUNCT
aijes-7168	147	1	14	14	NUM
aijes-7168	147	2	.	.	X
aijes-7168	147	3	westerfield	westerfield	PROPN
aijes-7168	147	4	,	,	PUNCT
aijes-7168	147	5	randolph	randolph	PROPN
aijes-7168	147	6	w.	w.	PROPN
aijes-7168	147	7	,	,	PUNCT
aijes-7168	147	8	ross	ross	PROPN
aijes-7168	147	9	,	,	PUNCT
aijes-7168	147	10	stephen	stephen	PROPN
aijes-7168	147	11	a.	a.	PROPN
aijes-7168	147	12	,	,	PUNCT
aijes-7168	147	13	jordan	jordan	PROPN
aijes-7168	147	14	,	,	PUNCT
aijes-7168	147	15	bradford	bradford	PROPN
aijes-7168	147	16	d	d	PROPN
aijes-7168	147	17	..	..	PUNCT
aijes-7168	147	18	(	(	PUNCT
aijes-7168	147	19	2019	2019	NUM
aijes-7168	147	20	)	)	PUNCT
aijes-7168	147	21	.	.	PUNCT
aijes-7168	148	1	fundamentals	fundamental	NOUN
aijes-7168	148	2	of	of	ADP
aijes-7168	148	3	corporate	corporate	ADJ
aijes-7168	148	4	finance	finance	NOUN
aijes-7168	148	5	,	,	PUNCT
aijes-7168	148	6	12th	12th	ADJ
aijes-7168	148	7	ed	ed	NOUN
aijes-7168	148	8	.	.	PUNCT
aijes-7168	149	1	(	(	PUNCT
aijes-7168	149	2	12	12	NUM
aijes-7168	149	3	)	)	PUNCT
aijes-7168	149	4	.	.	PUNCT
aijes-7168	150	1	new	new	PROPN
aijes-7168	150	2	york	york	PROPN
aijes-7168	150	3	:	:	PUNCT
aijes-7168	150	4	mcgraw	mcgraw	PROPN
aijes-7168	150	5	hill	hill	PROPN
aijes-7168	150	6	education	education	NOUN
aijes-7168	150	7	.	.	PUNCT