id	sid	tid	token	lemma	pos
ajbmeb-2892	1	1	american	american	PROPN
ajbmeb-2892	1	2	journal	journal	PROPN
ajbmeb-2892	1	3	of	of	ADP
ajbmeb-2892	1	4	business	business	NOUN
ajbmeb-2892	1	5	management	management	NOUN
ajbmeb-2892	1	6	,	,	PUNCT
ajbmeb-2892	1	7	economics	economic	NOUN
ajbmeb-2892	1	8	and	and	CCONJ
ajbmeb-2892	1	9	banking	banking	NOUN
ajbmeb-2892	1	10	issn	issn	PROPN
ajbmeb-2892	1	11	(	(	PUNCT
ajbmeb-2892	1	12	e	e	NOUN
ajbmeb-2892	1	13	):	):	PUNCT
ajbmeb-2892	1	14	2832	2832	NUM
ajbmeb-2892	1	15	-	-	SYM
ajbmeb-2892	1	16	8078	8078	NUM
ajbmeb-2892	1	17	volume	volume	NOUN
ajbmeb-2892	1	18	35	35	NUM
ajbmeb-2892	1	19	,	,	PUNCT
ajbmeb-2892	1	20	april	april	PROPN
ajbmeb-2892	1	21	2025	2025	NUM
ajbmeb-2892	1	22	p	p	NOUN
ajbmeb-2892	1	23	a	a	DET
ajbmeb-2892	1	24	g	g	NOUN
ajbmeb-2892	1	25	e	e	NOUN
ajbmeb-2892	1	26	|	|	NOUN
ajbmeb-2892	1	27	141	141	NUM
ajbmeb-2892	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2892	1	29	do	do	AUX
ajbmeb-2892	1	30	you	you	PRON
ajbmeb-2892	1	31	prefer	prefer	VERB
ajbmeb-2892	1	32	stocks	stock	NOUN
ajbmeb-2892	1	33	for	for	ADP
ajbmeb-2892	1	34	your	your	PRON
ajbmeb-2892	1	35	pension	pension	NOUN
ajbmeb-2892	1	36	portfolio	portfolio	NOUN
ajbmeb-2892	1	37	?	?	PUNCT
ajbmeb-2892	2	1	rustam	rustam	PROPN
ajbmeb-2892	2	2	oltinov	oltinov	PROPN
ajbmeb-2892	2	3	professor	professor	PROPN
ajbmeb-2892	2	4	black	black	PROPN
ajbmeb-2892	2	5	econ	econ	PROPN
ajbmeb-2892	2	6	43078	43078	NUM
ajbmeb-2892	2	7	,	,	PUNCT
ajbmeb-2892	2	8	04/09/2025	04/09/2025	NUM
ajbmeb-2892	2	9	a	a	DET
ajbmeb-2892	2	10	b	b	PROPN
ajbmeb-2892	2	11	s	s	ADP
ajbmeb-2892	2	12	t	t	PROPN
ajbmeb-2892	2	13	r	r	NOUN
ajbmeb-2892	2	14	a	a	DET
ajbmeb-2892	2	15	c	c	NOUN
ajbmeb-2892	2	16	t	t	NOUN
ajbmeb-2892	2	17	k	k	X
ajbmeb-2892	2	18	e	e	PROPN
ajbmeb-2892	2	19	y	y	PROPN
ajbmeb-2892	2	20	w	w	NOUN
ajbmeb-2892	2	21	o	o	NOUN
ajbmeb-2892	2	22	r	r	NOUN
ajbmeb-2892	2	23	d	d	X
ajbmeb-2892	2	24	s	s	NOUN
ajbmeb-2892	2	25	in	in	ADP
ajbmeb-2892	2	26	this	this	DET
ajbmeb-2892	2	27	paper	paper	NOUN
ajbmeb-2892	2	28	,	,	PUNCT
ajbmeb-2892	2	29	we	we	PRON
ajbmeb-2892	2	30	will	will	AUX
ajbmeb-2892	2	31	try	try	VERB
ajbmeb-2892	2	32	to	to	PART
ajbmeb-2892	2	33	investigate	investigate	VERB
ajbmeb-2892	2	34	the	the	DET
ajbmeb-2892	2	35	pension	pension	NOUN
ajbmeb-2892	2	36	preferences	preference	NOUN
ajbmeb-2892	2	37	,	,	PUNCT
ajbmeb-2892	2	38	how	how	SCONJ
ajbmeb-2892	2	39	demographic	demographic	ADJ
ajbmeb-2892	2	40	and	and	CCONJ
ajbmeb-2892	2	41	financial	financial	ADJ
ajbmeb-2892	2	42	factors	factor	NOUN
ajbmeb-2892	2	43	affect	affect	VERB
ajbmeb-2892	2	44	pension	pension	NOUN
ajbmeb-2892	2	45	allocation	allocation	NOUN
ajbmeb-2892	2	46	using	use	VERB
ajbmeb-2892	2	47	binomial	binomial	ADJ
ajbmeb-2892	2	48	logit	logit	PROPN
ajbmeb-2892	2	49	model	model	NOUN
ajbmeb-2892	2	50	.	.	PUNCT
ajbmeb-2892	3	1	the	the	DET
ajbmeb-2892	3	2	dataset	dataset	NOUN
ajbmeb-2892	3	3	includes	include	VERB
ajbmeb-2892	3	4	variables	variable	NOUN
ajbmeb-2892	3	5	such	such	ADJ
ajbmeb-2892	3	6	as	as	ADP
ajbmeb-2892	3	7	age	age	NOUN
ajbmeb-2892	3	8	,	,	PUNCT
ajbmeb-2892	3	9	education	education	NOUN
ajbmeb-2892	3	10	,	,	PUNCT
ajbmeb-2892	3	11	income	income	NOUN
ajbmeb-2892	3	12	,	,	PUNCT
ajbmeb-2892	3	13	wealth	wealth	NOUN
ajbmeb-2892	3	14	,	,	PUNCT
ajbmeb-2892	3	15	and	and	CCONJ
ajbmeb-2892	3	16	stock	stock	NOUN
ajbmeb-2892	3	17	investments	investment	NOUN
ajbmeb-2892	3	18	,	,	PUNCT
ajbmeb-2892	3	19	marital	marital	ADJ
ajbmeb-2892	3	20	status	status	NOUN
ajbmeb-2892	3	21	,	,	PUNCT
ajbmeb-2892	3	22	race	race	NOUN
ajbmeb-2892	3	23	,	,	PUNCT
ajbmeb-2892	3	24	years	year	NOUN
ajbmeb-2892	3	25	in	in	ADP
ajbmeb-2892	3	26	pension	pension	NOUN
ajbmeb-2892	3	27	.	.	PUNCT
ajbmeb-2892	4	1	the	the	DET
ajbmeb-2892	4	2	key	key	ADJ
ajbmeb-2892	4	3	questions	question	NOUN
ajbmeb-2892	4	4	explored	explore	VERB
ajbmeb-2892	4	5	are	be	AUX
ajbmeb-2892	4	6	how	how	SCONJ
ajbmeb-2892	4	7	factors	factor	NOUN
ajbmeb-2892	4	8	like	like	ADP
ajbmeb-2892	4	9	age	age	NOUN
ajbmeb-2892	4	10	,	,	PUNCT
ajbmeb-2892	4	11	pension	pension	NOUN
ajbmeb-2892	4	12	in	in	ADP
ajbmeb-2892	4	13	years	year	NOUN
ajbmeb-2892	4	14	,	,	PUNCT
ajbmeb-2892	4	15	education	education	NOUN
ajbmeb-2892	4	16	,	,	PUNCT
ajbmeb-2892	4	17	wealth	wealth	NOUN
ajbmeb-2892	4	18	,	,	PUNCT
ajbmeb-2892	4	19	profit	profit	NOUN
ajbmeb-2892	4	20	sharing	sharing	NOUN
ajbmeb-2892	4	21	plan	plan	NOUN
ajbmeb-2892	4	22	and	and	CCONJ
ajbmeb-2892	4	23	investment	investment	NOUN
ajbmeb-2892	4	24	choice	choice	NOUN
ajbmeb-2892	4	25	influence	influence	NOUN
ajbmeb-2892	4	26	pension	pension	NOUN
ajbmeb-2892	4	27	decisions	decision	NOUN
ajbmeb-2892	4	28	,	,	PUNCT
ajbmeb-2892	4	29	mainly	mainly	ADV
ajbmeb-2892	4	30	trying	try	VERB
ajbmeb-2892	4	31	to	to	PART
ajbmeb-2892	4	32	capture	capture	VERB
ajbmeb-2892	4	33	the	the	DET
ajbmeb-2892	4	34	effects	effect	NOUN
ajbmeb-2892	4	35	on	on	ADP
ajbmeb-2892	4	36	the	the	DET
ajbmeb-2892	4	37	inclusion	inclusion	NOUN
ajbmeb-2892	4	38	of	of	ADP
ajbmeb-2892	4	39	stock	stock	NOUN
ajbmeb-2892	4	40	investments	investment	NOUN
ajbmeb-2892	4	41	in	in	ADP
ajbmeb-2892	4	42	the	the	DET
ajbmeb-2892	4	43	pension	pension	NOUN
ajbmeb-2892	4	44	portfolio	portfolio	NOUN
ajbmeb-2892	4	45	.	.	PUNCT
ajbmeb-2892	5	1	since	since	SCONJ
ajbmeb-2892	5	2	stocks	stock	NOUN
ajbmeb-2892	5	3	are	be	AUX
ajbmeb-2892	5	4	considered	consider	VERB
ajbmeb-2892	5	5	risky	risky	ADJ
ajbmeb-2892	5	6	assets	asset	NOUN
ajbmeb-2892	5	7	,	,	PUNCT
ajbmeb-2892	5	8	this	this	DET
ajbmeb-2892	5	9	paper	paper	NOUN
ajbmeb-2892	5	10	tries	try	VERB
ajbmeb-2892	5	11	to	to	PART
ajbmeb-2892	5	12	represent	represent	VERB
ajbmeb-2892	5	13	the	the	DET
ajbmeb-2892	5	14	inclusion	inclusion	NOUN
ajbmeb-2892	5	15	of	of	ADP
ajbmeb-2892	5	16	stocks	stock	NOUN
ajbmeb-2892	5	17	into	into	ADP
ajbmeb-2892	5	18	the	the	DET
ajbmeb-2892	5	19	portfolio	portfolio	NOUN
ajbmeb-2892	5	20	as	as	ADP
ajbmeb-2892	5	21	the	the	DET
ajbmeb-2892	5	22	determinant	determinant	NOUN
ajbmeb-2892	5	23	of	of	ADP
ajbmeb-2892	5	24	the	the	DET
ajbmeb-2892	5	25	risk	risk	NOUN
ajbmeb-2892	5	26	aversion	aversion	NOUN
ajbmeb-2892	5	27	during	during	ADP
ajbmeb-2892	5	28	the	the	DET
ajbmeb-2892	5	29	pension	pension	NOUN
ajbmeb-2892	5	30	plan	plan	NOUN
ajbmeb-2892	5	31	.	.	PUNCT
ajbmeb-2892	6	1	stock	stock	NOUN
ajbmeb-2892	6	2	,	,	PUNCT
ajbmeb-2892	6	3	pension	pension	NOUN
ajbmeb-2892	6	4	plan	plan	NOUN
ajbmeb-2892	6	5	,	,	PUNCT
ajbmeb-2892	6	6	variable	variable	NOUN
ajbmeb-2892	6	7	,	,	PUNCT
ajbmeb-2892	6	8	multicollinearity	multicollinearity	NOUN
ajbmeb-2892	6	9	,	,	PUNCT
ajbmeb-2892	6	10	heteroscedasticity	heteroscedasticity	NOUN
ajbmeb-2892	6	11	,	,	PUNCT
ajbmeb-2892	6	12	investment	investment	NOUN
ajbmeb-2892	6	13	,	,	PUNCT
ajbmeb-2892	6	14	risk	risk	NOUN
ajbmeb-2892	6	15	aversion	aversion	NOUN
ajbmeb-2892	6	16	,	,	PUNCT
ajbmeb-2892	6	17	portfolio	portfolio	NOUN
ajbmeb-2892	6	18	.	.	PUNCT
ajbmeb-2892	7	1	introduction	introduction	NOUN
ajbmeb-2892	7	2	the	the	DET
ajbmeb-2892	7	3	impact	impact	NOUN
ajbmeb-2892	7	4	of	of	ADP
ajbmeb-2892	7	5	age	age	NOUN
ajbmeb-2892	7	6	,	,	PUNCT
ajbmeb-2892	7	7	income	income	NOUN
ajbmeb-2892	7	8	,	,	PUNCT
ajbmeb-2892	7	9	and	and	CCONJ
ajbmeb-2892	7	10	other	other	ADJ
ajbmeb-2892	7	11	demographic	demographic	ADJ
ajbmeb-2892	7	12	factors	factor	NOUN
ajbmeb-2892	7	13	on	on	ADP
ajbmeb-2892	7	14	pension	pension	NOUN
ajbmeb-2892	7	15	investment	investment	NOUN
ajbmeb-2892	7	16	decisions	decision	NOUN
ajbmeb-2892	7	17	made	make	VERB
ajbmeb-2892	7	18	by	by	ADP
ajbmeb-2892	7	19	samples	sample	NOUN
ajbmeb-2892	7	20	of	of	ADP
ajbmeb-2892	7	21	participants	participant	NOUN
ajbmeb-2892	7	22	with	with	ADP
ajbmeb-2892	7	23	choice	choice	NOUN
ajbmeb-2892	7	24	has	have	AUX
ajbmeb-2892	7	25	been	be	AUX
ajbmeb-2892	7	26	the	the	DET
ajbmeb-2892	7	27	subject	subject	NOUN
ajbmeb-2892	7	28	of	of	ADP
ajbmeb-2892	7	29	several	several	ADJ
ajbmeb-2892	7	30	recent	recent	ADJ
ajbmeb-2892	7	31	research	research	NOUN
ajbmeb-2892	7	32	[	[	X
ajbmeb-2892	7	33	1	1	NUM
ajbmeb-2892	7	34	]	]	PUNCT
ajbmeb-2892	7	35	.	.	PUNCT
ajbmeb-2892	8	1	numerous	numerous	ADJ
ajbmeb-2892	8	2	econometric	econometric	ADJ
ajbmeb-2892	8	3	studies	study	NOUN
ajbmeb-2892	8	4	link	link	VERB
ajbmeb-2892	8	5	pension	pension	NOUN
ajbmeb-2892	8	6	asset	asset	NOUN
ajbmeb-2892	8	7	selection	selection	NOUN
ajbmeb-2892	8	8	to	to	ADP
ajbmeb-2892	8	9	demographic	demographic	ADJ
ajbmeb-2892	8	10	traits	trait	NOUN
ajbmeb-2892	8	11	[	[	X
ajbmeb-2892	8	12	1	1	NUM
ajbmeb-2892	8	13	]	]	PUNCT
ajbmeb-2892	8	14	.	.	PUNCT
ajbmeb-2892	9	1	according	accord	VERB
ajbmeb-2892	9	2	to	to	ADP
ajbmeb-2892	9	3	these	these	DET
ajbmeb-2892	9	4	studies	study	NOUN
ajbmeb-2892	9	5	,	,	PUNCT
ajbmeb-2892	9	6	pension	pension	NOUN
ajbmeb-2892	9	7	assets	asset	NOUN
ajbmeb-2892	9	8	generally	generally	ADV
ajbmeb-2892	9	9	show	show	VERB
ajbmeb-2892	9	10	that	that	SCONJ
ajbmeb-2892	9	11	the	the	DET
ajbmeb-2892	9	12	standard	standard	ADJ
ajbmeb-2892	9	13	investment	investment	NOUN
ajbmeb-2892	9	14	advice	advice	NOUN
ajbmeb-2892	9	15	states	state	VERB
ajbmeb-2892	9	16	that	that	SCONJ
ajbmeb-2892	9	17	the	the	DET
ajbmeb-2892	9	18	equity	equity	NOUN
ajbmeb-2892	9	19	share	share	NOUN
ajbmeb-2892	9	20	of	of	ADP
ajbmeb-2892	9	21	a	a	DET
ajbmeb-2892	9	22	portfolio	portfolio	NOUN
ajbmeb-2892	9	23	should	should	AUX
ajbmeb-2892	9	24	decrease	decrease	VERB
ajbmeb-2892	9	25	with	with	ADP
ajbmeb-2892	9	26	age	age	NOUN
ajbmeb-2892	9	27	(	(	PUNCT
ajbmeb-2892	9	28	more	more	ADV
ajbmeb-2892	9	29	precisely	precisely	ADV
ajbmeb-2892	9	30	,	,	PUNCT
ajbmeb-2892	9	31	that	that	SCONJ
ajbmeb-2892	9	32	the	the	DET
ajbmeb-2892	9	33	equity	equity	NOUN
ajbmeb-2892	9	34	percent	percent	NOUN
ajbmeb-2892	9	35	should	should	AUX
ajbmeb-2892	9	36	equal	equal	VERB
ajbmeb-2892	9	37	100	100	NUM
ajbmeb-2892	9	38	minus	minus	CCONJ
ajbmeb-2892	9	39	one	one	NUM
ajbmeb-2892	9	40	's	's	PART
ajbmeb-2892	9	41	age	age	NOUN
ajbmeb-2892	9	42	)	)	PUNCT
ajbmeb-2892	9	43	and	and	CCONJ
ajbmeb-2892	9	44	increase	increase	VERB
ajbmeb-2892	9	45	with	with	ADP
ajbmeb-2892	9	46	income	income	NOUN
ajbmeb-2892	9	47	(	(	PUNCT
ajbmeb-2892	9	48	indicating	indicate	VERB
ajbmeb-2892	9	49	a	a	DET
ajbmeb-2892	9	50	greater	great	ADJ
ajbmeb-2892	9	51	ability	ability	NOUN
ajbmeb-2892	9	52	to	to	PART
ajbmeb-2892	9	53	bear	bear	VERB
ajbmeb-2892	9	54	risk	risk	NOUN
ajbmeb-2892	9	55	)	)	PUNCT
ajbmeb-2892	10	1	[	[	X
ajbmeb-2892	10	2	1	1	NUM
ajbmeb-2892	10	3	]	]	PUNCT
ajbmeb-2892	10	4	.	.	PUNCT
ajbmeb-2892	11	1	however	however	ADV
ajbmeb-2892	11	2	,	,	PUNCT
ajbmeb-2892	11	3	it	it	PRON
ajbmeb-2892	11	4	is	be	AUX
ajbmeb-2892	11	5	assumed	assume	VERB
ajbmeb-2892	11	6	that	that	SCONJ
ajbmeb-2892	11	7	participants	participant	NOUN
ajbmeb-2892	11	8	optimize	optimize	VERB
ajbmeb-2892	11	9	across	across	ADP
ajbmeb-2892	11	10	all	all	PRON
ajbmeb-2892	11	11	of	of	ADP
ajbmeb-2892	11	12	their	their	PRON
ajbmeb-2892	11	13	assets	asset	NOUN
ajbmeb-2892	11	14	,	,	PUNCT
ajbmeb-2892	11	15	including	include	VERB
ajbmeb-2892	11	16	retirement	retirement	NOUN
ajbmeb-2892	11	17	assets	asset	NOUN
ajbmeb-2892	11	18	[	[	X
ajbmeb-2892	11	19	1	1	NUM
ajbmeb-2892	11	20	]	]	PUNCT
ajbmeb-2892	11	21	.	.	PUNCT
ajbmeb-2892	12	1	over	over	ADP
ajbmeb-2892	12	2	the	the	DET
ajbmeb-2892	12	3	past	past	ADJ
ajbmeb-2892	12	4	few	few	ADJ
ajbmeb-2892	12	5	decades	decade	NOUN
ajbmeb-2892	12	6	,	,	PUNCT
ajbmeb-2892	12	7	the	the	DET
ajbmeb-2892	12	8	world	world	NOUN
ajbmeb-2892	12	9	's	's	PART
ajbmeb-2892	12	10	population	population	NOUN
ajbmeb-2892	12	11	has	have	AUX
ajbmeb-2892	12	12	been	be	AUX
ajbmeb-2892	12	13	aging	age	VERB
ajbmeb-2892	12	14	at	at	ADP
ajbmeb-2892	12	15	an	an	DET
ajbmeb-2892	12	16	accelerated	accelerated	ADJ
ajbmeb-2892	12	17	rate	rate	NOUN
ajbmeb-2892	12	18	.	.	PUNCT
ajbmeb-2892	13	1	as	as	ADP
ajbmeb-2892	13	2	a	a	DET
ajbmeb-2892	13	3	result	result	NOUN
ajbmeb-2892	13	4	,	,	PUNCT
ajbmeb-2892	13	5	a	a	DET
ajbmeb-2892	13	6	growing	grow	VERB
ajbmeb-2892	13	7	percentage	percentage	NOUN
ajbmeb-2892	13	8	of	of	ADP
ajbmeb-2892	13	9	people	people	NOUN
ajbmeb-2892	13	10	are	be	AUX
ajbmeb-2892	13	11	either	either	CCONJ
ajbmeb-2892	13	12	past	past	ADJ
ajbmeb-2892	13	13	or	or	CCONJ
ajbmeb-2892	13	14	close	close	ADJ
ajbmeb-2892	13	15	to	to	ADP
ajbmeb-2892	13	16	retirement	retirement	NOUN
ajbmeb-2892	13	17	age	age	NOUN
ajbmeb-2892	13	18	.	.	PUNCT
ajbmeb-2892	14	1	growing	grow	VERB
ajbmeb-2892	14	2	research	research	NOUN
ajbmeb-2892	14	3	in	in	ADP
ajbmeb-2892	14	4	recent	recent	ADJ
ajbmeb-2892	14	5	years	year	NOUN
ajbmeb-2892	14	6	has	have	AUX
ajbmeb-2892	14	7	demonstrated	demonstrate	VERB
ajbmeb-2892	14	8	that	that	SCONJ
ajbmeb-2892	14	9	people	people	NOUN
ajbmeb-2892	14	10	's	's	PART
ajbmeb-2892	14	11	risk	risk	NOUN
ajbmeb-2892	14	12	aversion	aversion	NOUN
ajbmeb-2892	14	13	tends	tend	VERB
ajbmeb-2892	14	14	to	to	PART
ajbmeb-2892	14	15	increase	increase	VERB
ajbmeb-2892	14	16	with	with	ADP
ajbmeb-2892	14	17	age	age	NOUN
ajbmeb-2892	14	18	[	[	X
ajbmeb-2892	14	19	4][3	4][3	X
ajbmeb-2892	14	20	]	]	X
ajbmeb-2892	14	21	.	.	PUNCT
ajbmeb-2892	15	1	according	accord	VERB
ajbmeb-2892	15	2	to	to	ADP
ajbmeb-2892	15	3	dohmen	dohman	NOUN
ajbmeb-2892	15	4	,	,	PUNCT
ajbmeb-2892	15	5	who	who	PRON
ajbmeb-2892	15	6	used	use	VERB
ajbmeb-2892	15	7	a	a	DET
ajbmeb-2892	15	8	representative	representative	ADJ
ajbmeb-2892	15	9	sample	sample	NOUN
ajbmeb-2892	15	10	of	of	ADP
ajbmeb-2892	15	11	germans	german	NOUN
ajbmeb-2892	15	12	from	from	ADP
ajbmeb-2892	15	13	the	the	DET
ajbmeb-2892	15	14	german	german	ADJ
ajbmeb-2892	15	15	socio	socio	NOUN
ajbmeb-2892	15	16	-	-	PUNCT
ajbmeb-2892	15	17	economic	economic	ADJ
ajbmeb-2892	15	18	panel	panel	NOUN
ajbmeb-2892	15	19	in	in	ADP
ajbmeb-2892	15	20	2004	2004	NUM
ajbmeb-2892	15	21	,	,	PUNCT
ajbmeb-2892	15	22	demographic	demographic	ADJ
ajbmeb-2892	15	23	characteristics	characteristic	NOUN
ajbmeb-2892	15	24	like	like	ADP
ajbmeb-2892	15	25	age	age	NOUN
ajbmeb-2892	15	26	and	and	CCONJ
ajbmeb-2892	15	27	gender	gender	NOUN
ajbmeb-2892	15	28	help	help	NOUN
ajbmeb-2892	15	29	to	to	PART
ajbmeb-2892	15	30	explain	explain	VERB
ajbmeb-2892	15	31	part	part	NOUN
ajbmeb-2892	15	32	of	of	ADP
ajbmeb-2892	15	33	the	the	DET
ajbmeb-2892	15	34	variation	variation	NOUN
ajbmeb-2892	15	35	in	in	ADP
ajbmeb-2892	15	36	risk	risk	NOUN
ajbmeb-2892	15	37	aversion	aversion	NOUN
ajbmeb-2892	15	38	levels	level	NOUN
ajbmeb-2892	15	39	among	among	ADP
ajbmeb-2892	15	40	people	people	NOUN
ajbmeb-2892	15	41	[	[	X
ajbmeb-2892	15	42	2	2	NUM
ajbmeb-2892	15	43	]	]	PUNCT
ajbmeb-2892	15	44	.	.	PUNCT
ajbmeb-2892	16	1	they	they	PRON
ajbmeb-2892	16	2	discovered	discover	VERB
ajbmeb-2892	16	3	that	that	SCONJ
ajbmeb-2892	16	4	older	old	ADJ
ajbmeb-2892	16	5	persons	person	NOUN
ajbmeb-2892	16	6	are	be	AUX
ajbmeb-2892	16	7	more	more	ADJ
ajbmeb-2892	16	8	risk	risk	NOUN
ajbmeb-2892	16	9	apprehensive	apprehensive	ADJ
ajbmeb-2892	16	10	than	than	ADP
ajbmeb-2892	16	11	younger	young	ADJ
ajbmeb-2892	16	12	people	people	NOUN
ajbmeb-2892	16	13	,	,	PUNCT
ajbmeb-2892	16	14	and	and	CCONJ
ajbmeb-2892	16	15	women	woman	NOUN
ajbmeb-2892	16	16	are	be	AUX
ajbmeb-2892	16	17	generally	generally	ADV
ajbmeb-2892	16	18	more	more	ADJ
ajbmeb-2892	16	19	risk	risk	NOUN
ajbmeb-2892	16	20	averse	averse	ADJ
ajbmeb-2892	16	21	than	than	ADP
ajbmeb-2892	16	22	men	man	NOUN
ajbmeb-2892	16	23	.	.	PUNCT
ajbmeb-2892	17	1	they	they	PRON
ajbmeb-2892	17	2	also	also	ADV
ajbmeb-2892	17	3	concluded	conclude	VERB
ajbmeb-2892	17	4	that	that	SCONJ
ajbmeb-2892	17	5	a	a	DET
ajbmeb-2892	17	6	person	person	NOUN
ajbmeb-2892	17	7	's	's	PART
ajbmeb-2892	17	8	degree	degree	NOUN
ajbmeb-2892	17	9	of	of	ADP
ajbmeb-2892	17	10	risk	risk	NOUN
ajbmeb-2892	17	11	aversion	aversion	NOUN
ajbmeb-2892	17	12	in	in	ADP
ajbmeb-2892	17	13	financial	financial	ADJ
ajbmeb-2892	17	14	concerns	concern	NOUN
ajbmeb-2892	17	15	is	be	AUX
ajbmeb-2892	17	16	influenced	influence	VERB
ajbmeb-2892	17	17	by	by	ADP
ajbmeb-2892	17	18	their	their	PRON
ajbmeb-2892	17	19	height	height	NOUN
ajbmeb-2892	17	20	and	and	CCONJ
ajbmeb-2892	17	21	the	the	DET
ajbmeb-2892	17	22	educational	educational	ADJ
ajbmeb-2892	17	23	attainment	attainment	NOUN
ajbmeb-2892	17	24	of	of	ADP
ajbmeb-2892	17	25	their	their	PRON
ajbmeb-2892	17	26	parents[4	parents[4	NOUN
ajbmeb-2892	17	27	]	]	PUNCT
ajbmeb-2892	17	28	.	.	PUNCT
ajbmeb-2892	18	1	in	in	ADP
ajbmeb-2892	18	2	particular	particular	ADJ
ajbmeb-2892	18	3	,	,	PUNCT
ajbmeb-2892	18	4	taller	tall	ADJ
ajbmeb-2892	18	5	people	people	NOUN
ajbmeb-2892	18	6	are	be	AUX
ajbmeb-2892	18	7	generally	generally	ADV
ajbmeb-2892	18	8	less	less	ADJ
ajbmeb-2892	18	9	risk	risk	NOUN
ajbmeb-2892	18	10	averse	averse	ADJ
ajbmeb-2892	18	11	.	.	PUNCT
ajbmeb-2892	19	1	people	people	NOUN
ajbmeb-2892	19	2	with	with	ADP
ajbmeb-2892	19	3	highly	highly	ADV
ajbmeb-2892	19	4	educated	educate	VERB
ajbmeb-2892	19	5	parents	parent	NOUN
ajbmeb-2892	19	6	are	be	AUX
ajbmeb-2892	19	7	generally	generally	ADV
ajbmeb-2892	19	8	less	less	ADJ
ajbmeb-2892	19	9	risk	risk	NOUN
ajbmeb-2892	19	10	averse	averse	ADJ
ajbmeb-2892	19	11	than	than	ADP
ajbmeb-2892	19	12	people	people	NOUN
ajbmeb-2892	19	13	with	with	ADP
ajbmeb-2892	19	14	less	less	ADV
ajbmeb-2892	19	15	educated	educate	VERB
ajbmeb-2892	19	16	parents	parent	NOUN
ajbmeb-2892	19	17	.	.	PUNCT
ajbmeb-2892	20	1	american	american	PROPN
ajbmeb-2892	20	2	journal	journal	PROPN
ajbmeb-2892	20	3	of	of	ADP
ajbmeb-2892	20	4	business	business	NOUN
ajbmeb-2892	20	5	management	management	NOUN
ajbmeb-2892	20	6	,	,	PUNCT
ajbmeb-2892	20	7	economics	economic	NOUN
ajbmeb-2892	20	8	and	and	CCONJ
ajbmeb-2892	20	9	banking	banking	NOUN
ajbmeb-2892	20	10	volume	volume	NOUN
ajbmeb-2892	20	11	35	35	NUM
ajbmeb-2892	20	12	april	april	PROPN
ajbmeb-2892	20	13	2025	2025	NUM
ajbmeb-2892	20	14	p	p	NOUN
ajbmeb-2892	20	15	a	a	DET
ajbmeb-2892	20	16	g	g	NOUN
ajbmeb-2892	20	17	e	e	NOUN
ajbmeb-2892	20	18	|	|	NOUN
ajbmeb-2892	20	19	142	142	NUM
ajbmeb-2892	20	20	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2892	20	21	economic	economic	ADJ
ajbmeb-2892	20	22	theory	theory	NOUN
ajbmeb-2892	20	23	of	of	ADP
ajbmeb-2892	20	24	model	model	NOUN
ajbmeb-2892	20	25	and	and	CCONJ
ajbmeb-2892	20	26	variable	variable	ADJ
ajbmeb-2892	20	27	relationships	relationship	NOUN
ajbmeb-2892	20	28	theoretical	theoretical	ADJ
ajbmeb-2892	20	29	framework	framework	NOUN
ajbmeb-2892	20	30	is	be	AUX
ajbmeb-2892	20	31	based	base	VERB
ajbmeb-2892	20	32	on	on	ADP
ajbmeb-2892	20	33	the	the	DET
ajbmeb-2892	20	34	people	people	NOUN
ajbmeb-2892	20	35	’s	’s	PART
ajbmeb-2892	20	36	preference	preference	NOUN
ajbmeb-2892	20	37	for	for	ADP
ajbmeb-2892	20	38	the	the	DET
ajbmeb-2892	20	39	inclusion	inclusion	NOUN
ajbmeb-2892	20	40	of	of	ADP
ajbmeb-2892	20	41	stocks	stock	NOUN
ajbmeb-2892	20	42	in	in	ADP
ajbmeb-2892	20	43	pension	pension	NOUN
ajbmeb-2892	20	44	asset	asset	NOUN
ajbmeb-2892	20	45	allocation	allocation	NOUN
ajbmeb-2892	20	46	.	.	PUNCT
ajbmeb-2892	21	1	stock	stock	NOUN
ajbmeb-2892	21	2	ownership	ownership	NOUN
ajbmeb-2892	21	3	is	be	AUX
ajbmeb-2892	21	4	dependent	dependent	ADJ
ajbmeb-2892	21	5	dummy	dummy	ADJ
ajbmeb-2892	21	6	variable	variable	NOUN
ajbmeb-2892	21	7	and	and	CCONJ
ajbmeb-2892	21	8	theoretical	theoretical	ADJ
ajbmeb-2892	21	9	proxy	proxy	NOUN
ajbmeb-2892	21	10	for	for	ADP
ajbmeb-2892	21	11	the	the	DET
ajbmeb-2892	21	12	measurement	measurement	NOUN
ajbmeb-2892	21	13	of	of	ADP
ajbmeb-2892	21	14	risk	risk	NOUN
ajbmeb-2892	21	15	aversion	aversion	NOUN
ajbmeb-2892	21	16	(	(	PUNCT
ajbmeb-2892	21	17	the	the	PRON
ajbmeb-2892	21	18	higher	high	ADJ
ajbmeb-2892	21	19	,	,	PUNCT
ajbmeb-2892	21	20	the	the	DET
ajbmeb-2892	21	21	lower	low	ADJ
ajbmeb-2892	21	22	risk	risk	NOUN
ajbmeb-2892	21	23	aversion	aversion	NOUN
ajbmeb-2892	21	24	)	)	PUNCT
ajbmeb-2892	21	25	.	.	PUNCT
ajbmeb-2892	22	1	investment	investment	NOUN
ajbmeb-2892	22	2	choice	choice	NOUN
ajbmeb-2892	22	3	(	(	PUNCT
ajbmeb-2892	22	4	choice	choice	NOUN
ajbmeb-2892	22	5	=	=	SYM
ajbmeb-2892	22	6	1	1	NUM
ajbmeb-2892	22	7	if	if	SCONJ
ajbmeb-2892	22	8	participant	participant	ADJ
ajbmeb-2892	22	9	can	can	AUX
ajbmeb-2892	22	10	choose	choose	VERB
ajbmeb-2892	22	11	investments	investment	NOUN
ajbmeb-2892	22	12	)	)	PUNCT
ajbmeb-2892	22	13	.	.	PUNCT
ajbmeb-2892	23	1	papke	papke	PROPN
ajbmeb-2892	23	2	suggest	suggest	VERB
ajbmeb-2892	23	3	that	that	SCONJ
ajbmeb-2892	23	4	people	people	NOUN
ajbmeb-2892	23	5	who	who	PRON
ajbmeb-2892	23	6	have	have	VERB
ajbmeb-2892	23	7	options	option	NOUN
ajbmeb-2892	23	8	are	be	AUX
ajbmeb-2892	23	9	more	more	ADV
ajbmeb-2892	23	10	likely	likely	ADJ
ajbmeb-2892	23	11	to	to	PART
ajbmeb-2892	23	12	match	match	VERB
ajbmeb-2892	23	13	their	their	PRON
ajbmeb-2892	23	14	asset	asset	NOUN
ajbmeb-2892	23	15	allocation	allocation	NOUN
ajbmeb-2892	23	16	to	to	ADP
ajbmeb-2892	23	17	their	their	PRON
ajbmeb-2892	23	18	own	own	ADJ
ajbmeb-2892	23	19	return	return	NOUN
ajbmeb-2892	23	20	expectations	expectation	NOUN
ajbmeb-2892	23	21	and	and	CCONJ
ajbmeb-2892	23	22	risk	risk	NOUN
ajbmeb-2892	23	23	tolerance	tolerance	NOUN
ajbmeb-2892	23	24	.	.	PUNCT
ajbmeb-2892	24	1	plan	plan	NOUN
ajbmeb-2892	24	2	administrators	administrator	NOUN
ajbmeb-2892	24	3	might	might	AUX
ajbmeb-2892	24	4	make	make	VERB
ajbmeb-2892	24	5	more	more	ADJ
ajbmeb-2892	24	6	conservative	conservative	ADJ
ajbmeb-2892	24	7	investments	investment	NOUN
ajbmeb-2892	24	8	if	if	SCONJ
ajbmeb-2892	24	9	they	they	PRON
ajbmeb-2892	24	10	have	have	VERB
ajbmeb-2892	24	11	no	no	DET
ajbmeb-2892	24	12	other	other	ADJ
ajbmeb-2892	24	13	option	option	NOUN
ajbmeb-2892	24	14	,	,	PUNCT
ajbmeb-2892	24	15	especially	especially	ADV
ajbmeb-2892	24	16	when	when	SCONJ
ajbmeb-2892	24	17	it	it	PRON
ajbmeb-2892	24	18	comes	come	VERB
ajbmeb-2892	24	19	to	to	ADP
ajbmeb-2892	24	20	interest	interest	NOUN
ajbmeb-2892	24	21	-	-	PUNCT
ajbmeb-2892	24	22	bearing	bear	VERB
ajbmeb-2892	24	23	assets	asset	NOUN
ajbmeb-2892	24	24	[	[	X
ajbmeb-2892	24	25	1	1	NUM
ajbmeb-2892	24	26	]	]	PUNCT
ajbmeb-2892	24	27	.	.	PUNCT
ajbmeb-2892	25	1	consequently	consequently	ADV
ajbmeb-2892	25	2	,	,	PUNCT
ajbmeb-2892	25	3	it	it	PRON
ajbmeb-2892	25	4	is	be	AUX
ajbmeb-2892	25	5	anticipated	anticipate	VERB
ajbmeb-2892	25	6	that	that	SCONJ
ajbmeb-2892	25	7	choice	choice	NOUN
ajbmeb-2892	25	8	has	have	VERB
ajbmeb-2892	25	9	a	a	DET
ajbmeb-2892	25	10	positive	positive	ADJ
ajbmeb-2892	25	11	correlation	correlation	NOUN
ajbmeb-2892	25	12	with	with	ADP
ajbmeb-2892	25	13	stock	stock	NOUN
ajbmeb-2892	25	14	investing	invest	VERB
ajbmeb-2892	25	15	[	[	X
ajbmeb-2892	25	16	1	1	NUM
ajbmeb-2892	25	17	]	]	PUNCT
ajbmeb-2892	25	18	.	.	PUNCT
ajbmeb-2892	26	1	also	also	ADV
ajbmeb-2892	26	2	,	,	PUNCT
ajbmeb-2892	26	3	including	include	VERB
ajbmeb-2892	26	4	the	the	DET
ajbmeb-2892	26	5	age	age	NOUN
ajbmeb-2892	26	6	factor	factor	NOUN
ajbmeb-2892	26	7	in	in	ADP
ajbmeb-2892	26	8	the	the	DET
ajbmeb-2892	26	9	model	model	NOUN
ajbmeb-2892	26	10	as	as	SCONJ
ajbmeb-2892	26	11	the	the	DET
ajbmeb-2892	26	12	independent	independent	ADJ
ajbmeb-2892	26	13	variable	variable	NOUN
ajbmeb-2892	26	14	is	be	AUX
ajbmeb-2892	26	15	hypothesized	hypothesize	VERB
ajbmeb-2892	26	16	being	be	AUX
ajbmeb-2892	26	17	negatively	negatively	ADV
ajbmeb-2892	26	18	correlated	correlate	VERB
ajbmeb-2892	26	19	with	with	ADP
ajbmeb-2892	26	20	stock	stock	NOUN
ajbmeb-2892	26	21	investments	investment	NOUN
ajbmeb-2892	26	22	.	.	PUNCT
ajbmeb-2892	27	1	as	as	SCONJ
ajbmeb-2892	27	2	an	an	DET
ajbmeb-2892	27	3	age	age	NOUN
ajbmeb-2892	27	4	increases	increase	VERB
ajbmeb-2892	27	5	people	people	NOUN
ajbmeb-2892	27	6	tend	tend	VERB
ajbmeb-2892	27	7	to	to	PART
ajbmeb-2892	27	8	lean	lean	VERB
ajbmeb-2892	27	9	on	on	ADP
ajbmeb-2892	27	10	more	more	ADV
ajbmeb-2892	27	11	safe	safe	ADJ
ajbmeb-2892	27	12	umbrellas	umbrella	NOUN
ajbmeb-2892	27	13	like	like	ADP
ajbmeb-2892	27	14	bonds	bond	NOUN
ajbmeb-2892	27	15	.	.	PUNCT
ajbmeb-2892	28	1	next	next	ADV
ajbmeb-2892	28	2	,	,	PUNCT
ajbmeb-2892	28	3	education	education	NOUN
ajbmeb-2892	28	4	is	be	AUX
ajbmeb-2892	28	5	anticipated	anticipate	VERB
ajbmeb-2892	28	6	to	to	PART
ajbmeb-2892	28	7	contribute	contribute	VERB
ajbmeb-2892	28	8	to	to	ADP
ajbmeb-2892	28	9	the	the	DET
ajbmeb-2892	28	10	ownership	ownership	NOUN
ajbmeb-2892	28	11	of	of	ADP
ajbmeb-2892	28	12	stocks	stock	NOUN
ajbmeb-2892	28	13	in	in	ADP
ajbmeb-2892	28	14	pension	pension	NOUN
ajbmeb-2892	28	15	portfolio	portfolio	NOUN
ajbmeb-2892	28	16	.	.	PUNCT
ajbmeb-2892	29	1	it	it	PRON
ajbmeb-2892	29	2	is	be	AUX
ajbmeb-2892	29	3	quite	quite	ADV
ajbmeb-2892	29	4	clear	clear	ADJ
ajbmeb-2892	29	5	that	that	SCONJ
ajbmeb-2892	29	6	people	people	NOUN
ajbmeb-2892	29	7	with	with	ADP
ajbmeb-2892	29	8	higher	high	ADJ
ajbmeb-2892	29	9	financial	financial	ADJ
ajbmeb-2892	29	10	literacy	literacy	NOUN
ajbmeb-2892	29	11	and	and	CCONJ
ajbmeb-2892	29	12	education	education	NOUN
ajbmeb-2892	29	13	tend	tend	VERB
ajbmeb-2892	29	14	towards	towards	ADP
ajbmeb-2892	29	15	the	the	DET
ajbmeb-2892	29	16	stock	stock	NOUN
ajbmeb-2892	29	17	ownership	ownership	NOUN
ajbmeb-2892	29	18	because	because	SCONJ
ajbmeb-2892	29	19	of	of	ADP
ajbmeb-2892	29	20	understanding	understanding	NOUN
ajbmeb-2892	29	21	of	of	ADP
ajbmeb-2892	29	22	markets	market	NOUN
ajbmeb-2892	29	23	,	,	PUNCT
ajbmeb-2892	29	24	asset	asset	NOUN
ajbmeb-2892	29	25	characteristics	characteristic	NOUN
ajbmeb-2892	29	26	and	and	CCONJ
ajbmeb-2892	29	27	so	so	ADV
ajbmeb-2892	29	28	on	on	ADV
ajbmeb-2892	29	29	.	.	PUNCT
ajbmeb-2892	30	1	furthermore	furthermore	ADV
ajbmeb-2892	30	2	,	,	PUNCT
ajbmeb-2892	30	3	wealth	wealth	NOUN
ajbmeb-2892	30	4	factor	factor	NOUN
ajbmeb-2892	30	5	is	be	AUX
ajbmeb-2892	30	6	crucial	crucial	ADJ
ajbmeb-2892	30	7	in	in	ADP
ajbmeb-2892	30	8	this	this	DET
ajbmeb-2892	30	9	model	model	NOUN
ajbmeb-2892	30	10	.	.	PUNCT
ajbmeb-2892	31	1	because	because	SCONJ
ajbmeb-2892	31	2	they	they	PRON
ajbmeb-2892	31	3	can	can	AUX
ajbmeb-2892	31	4	more	more	ADV
ajbmeb-2892	31	5	easily	easily	ADV
ajbmeb-2892	31	6	withstand	withstand	VERB
ajbmeb-2892	31	7	possible	possible	ADJ
ajbmeb-2892	31	8	losses	loss	NOUN
ajbmeb-2892	31	9	,	,	PUNCT
ajbmeb-2892	31	10	people	people	NOUN
ajbmeb-2892	31	11	who	who	PRON
ajbmeb-2892	31	12	are	be	AUX
ajbmeb-2892	31	13	richer	rich	ADJ
ajbmeb-2892	31	14	prefer	prefer	VERB
ajbmeb-2892	31	15	to	to	PART
ajbmeb-2892	31	16	devote	devote	VERB
ajbmeb-2892	31	17	a	a	DET
ajbmeb-2892	31	18	bigger	big	ADJ
ajbmeb-2892	31	19	percentage	percentage	NOUN
ajbmeb-2892	31	20	of	of	ADP
ajbmeb-2892	31	21	their	their	PRON
ajbmeb-2892	31	22	portfolio	portfolio	NOUN
ajbmeb-2892	31	23	to	to	ADP
ajbmeb-2892	31	24	riskier	risky	ADJ
ajbmeb-2892	31	25	assets	asset	NOUN
ajbmeb-2892	31	26	like	like	ADP
ajbmeb-2892	31	27	equities	equity	NOUN
ajbmeb-2892	31	28	,	,	PUNCT
ajbmeb-2892	31	29	according	accord	VERB
ajbmeb-2892	31	30	to	to	ADP
ajbmeb-2892	31	31	the	the	DET
ajbmeb-2892	31	32	notion	notion	NOUN
ajbmeb-2892	31	33	of	of	ADP
ajbmeb-2892	31	34	decreasing	decrease	VERB
ajbmeb-2892	31	35	absolute	absolute	ADJ
ajbmeb-2892	31	36	risk	risk	NOUN
ajbmeb-2892	31	37	aversion	aversion	NOUN
ajbmeb-2892	31	38	(	(	PUNCT
ajbmeb-2892	31	39	dara)[5	dara)[5	PROPN
ajbmeb-2892	31	40	]	]	PUNCT
ajbmeb-2892	31	41	.	.	PUNCT
ajbmeb-2892	32	1	duration	duration	NOUN
ajbmeb-2892	32	2	of	of	ADP
ajbmeb-2892	32	3	the	the	DET
ajbmeb-2892	32	4	pension	pension	NOUN
ajbmeb-2892	32	5	plan	plan	NOUN
ajbmeb-2892	32	6	is	be	AUX
ajbmeb-2892	32	7	also	also	ADV
ajbmeb-2892	32	8	important	important	ADJ
ajbmeb-2892	32	9	factor	factor	NOUN
ajbmeb-2892	32	10	that	that	PRON
ajbmeb-2892	32	11	effects	effect	VERB
ajbmeb-2892	32	12	the	the	DET
ajbmeb-2892	32	13	stock	stock	NOUN
ajbmeb-2892	32	14	ownership	ownership	NOUN
ajbmeb-2892	32	15	.	.	PUNCT
ajbmeb-2892	33	1	the	the	DET
ajbmeb-2892	33	2	hypothesis	hypothesis	NOUN
ajbmeb-2892	33	3	is	be	AUX
ajbmeb-2892	33	4	that	that	SCONJ
ajbmeb-2892	33	5	as	as	SCONJ
ajbmeb-2892	33	6	the	the	DET
ajbmeb-2892	33	7	number	number	NOUN
ajbmeb-2892	33	8	of	of	ADP
ajbmeb-2892	33	9	years	year	NOUN
ajbmeb-2892	33	10	increase	increase	NOUN
ajbmeb-2892	33	11	in	in	ADP
ajbmeb-2892	33	12	the	the	DET
ajbmeb-2892	33	13	pension	pension	NOUN
ajbmeb-2892	33	14	plan	plan	NOUN
ajbmeb-2892	33	15	,	,	PUNCT
ajbmeb-2892	33	16	it	it	PRON
ajbmeb-2892	33	17	should	should	AUX
ajbmeb-2892	33	18	affect	affect	VERB
ajbmeb-2892	33	19	negatively	negatively	ADV
ajbmeb-2892	33	20	to	to	ADP
ajbmeb-2892	33	21	the	the	DET
ajbmeb-2892	33	22	stock	stock	NOUN
ajbmeb-2892	33	23	allocation	allocation	NOUN
ajbmeb-2892	33	24	because	because	SCONJ
ajbmeb-2892	33	25	the	the	PRON
ajbmeb-2892	33	26	longer	long	ADV
ajbmeb-2892	33	27	the	the	DET
ajbmeb-2892	33	28	duration	duration	NOUN
ajbmeb-2892	33	29	is	be	AUX
ajbmeb-2892	33	30	,	,	PUNCT
ajbmeb-2892	33	31	the	the	DET
ajbmeb-2892	33	32	more	more	ADV
ajbmeb-2892	33	33	uncertain	uncertain	ADJ
ajbmeb-2892	33	34	the	the	DET
ajbmeb-2892	33	35	future	future	NOUN
ajbmeb-2892	33	36	will	will	AUX
ajbmeb-2892	33	37	be	be	AUX
ajbmeb-2892	33	38	,	,	PUNCT
ajbmeb-2892	33	39	thus	thus	ADV
ajbmeb-2892	33	40	it	it	PRON
ajbmeb-2892	33	41	increases	increase	VERB
ajbmeb-2892	33	42	the	the	DET
ajbmeb-2892	33	43	risks	risk	NOUN
ajbmeb-2892	33	44	.	.	PUNCT
ajbmeb-2892	34	1	finally	finally	ADV
ajbmeb-2892	34	2	,	,	PUNCT
ajbmeb-2892	34	3	profit	profit	NOUN
ajbmeb-2892	34	4	sharing	sharing	NOUN
ajbmeb-2892	34	5	variable	variable	NOUN
ajbmeb-2892	34	6	will	will	AUX
ajbmeb-2892	34	7	be	be	AUX
ajbmeb-2892	34	8	included	include	VERB
ajbmeb-2892	34	9	in	in	ADP
ajbmeb-2892	34	10	the	the	DET
ajbmeb-2892	34	11	model	model	NOUN
ajbmeb-2892	34	12	,	,	PUNCT
ajbmeb-2892	34	13	the	the	DET
ajbmeb-2892	34	14	rationale	rationale	NOUN
ajbmeb-2892	34	15	behind	behind	ADP
ajbmeb-2892	34	16	this	this	DET
ajbmeb-2892	34	17	decision	decision	NOUN
ajbmeb-2892	34	18	is	be	AUX
ajbmeb-2892	34	19	that	that	SCONJ
ajbmeb-2892	34	20	people	people	NOUN
ajbmeb-2892	34	21	think	think	VERB
ajbmeb-2892	34	22	that	that	SCONJ
ajbmeb-2892	34	23	profit	profit	NOUN
ajbmeb-2892	34	24	sharing	sharing	NOUN
ajbmeb-2892	34	25	plan	plan	NOUN
ajbmeb-2892	34	26	usually	usually	ADV
ajbmeb-2892	34	27	incentivize	incentivize	VERB
ajbmeb-2892	34	28	pension	pension	NOUN
ajbmeb-2892	34	29	plan	plan	NOUN
ajbmeb-2892	34	30	managers	manager	NOUN
ajbmeb-2892	34	31	to	to	PART
ajbmeb-2892	34	32	provide	provide	VERB
ajbmeb-2892	34	33	better	well	ADJ
ajbmeb-2892	34	34	returns	return	NOUN
ajbmeb-2892	34	35	,	,	PUNCT
ajbmeb-2892	34	36	which	which	PRON
ajbmeb-2892	34	37	might	might	AUX
ajbmeb-2892	34	38	lead	lead	VERB
ajbmeb-2892	34	39	to	to	ADP
ajbmeb-2892	34	40	the	the	DET
ajbmeb-2892	34	41	more	more	ADJ
ajbmeb-2892	34	42	of	of	ADP
ajbmeb-2892	34	43	weighting	weight	VERB
ajbmeb-2892	34	44	on	on	ADP
ajbmeb-2892	34	45	the	the	DET
ajbmeb-2892	34	46	stocks	stock	NOUN
ajbmeb-2892	34	47	during	during	ADP
ajbmeb-2892	34	48	the	the	DET
ajbmeb-2892	34	49	asset	asset	NOUN
ajbmeb-2892	34	50	allocation	allocation	NOUN
ajbmeb-2892	34	51	process	process	NOUN
ajbmeb-2892	34	52	.	.	PUNCT
ajbmeb-2892	35	1	data	datum	NOUN
ajbmeb-2892	35	2	discussion	discussion	NOUN
ajbmeb-2892	35	3	data	datum	NOUN
ajbmeb-2892	35	4	includes	include	VERB
ajbmeb-2892	35	5	194	194	NUM
ajbmeb-2892	35	6	observations	observation	NOUN
ajbmeb-2892	35	7	which	which	PRON
ajbmeb-2892	35	8	were	be	AUX
ajbmeb-2892	35	9	recorded	record	VERB
ajbmeb-2892	35	10	in	in	ADP
ajbmeb-2892	35	11	1980s	1980s	NUM
ajbmeb-2892	35	12	.	.	PUNCT
ajbmeb-2892	36	1	most	most	ADJ
ajbmeb-2892	36	2	of	of	ADP
ajbmeb-2892	36	3	the	the	DET
ajbmeb-2892	36	4	variables	variable	NOUN
ajbmeb-2892	36	5	are	be	AUX
ajbmeb-2892	36	6	dummy	dummy	ADJ
ajbmeb-2892	36	7	variables	variable	NOUN
ajbmeb-2892	36	8	which	which	PRON
ajbmeb-2892	36	9	includes	include	VERB
ajbmeb-2892	36	10	min	min	NOUN
ajbmeb-2892	36	11	0	0	NUM
ajbmeb-2892	36	12	or	or	CCONJ
ajbmeb-2892	36	13	max	max	PROPN
ajbmeb-2892	36	14	of	of	ADP
ajbmeb-2892	36	15	1	1	NUM
ajbmeb-2892	36	16	,	,	PUNCT
ajbmeb-2892	36	17	and	and	CCONJ
ajbmeb-2892	36	18	they	they	PRON
ajbmeb-2892	36	19	are	be	AUX
ajbmeb-2892	36	20	profit	profit	NOUN
ajbmeb-2892	36	21	sharing	sharing	NOUN
ajbmeb-2892	36	22	and	and	CCONJ
ajbmeb-2892	36	23	choice	choice	NOUN
ajbmeb-2892	36	24	,	,	PUNCT
ajbmeb-2892	36	25	stock	stock	NOUN
ajbmeb-2892	36	26	ownership	ownership	NOUN
ajbmeb-2892	36	27	(	(	PUNCT
ajbmeb-2892	36	28	dependent	dependent	ADJ
ajbmeb-2892	36	29	dummy	dummy	NOUN
ajbmeb-2892	36	30	)	)	PUNCT
ajbmeb-2892	36	31	variables	variable	NOUN
ajbmeb-2892	36	32	.	.	PUNCT
ajbmeb-2892	37	1	however	however	ADV
ajbmeb-2892	37	2	,	,	PUNCT
ajbmeb-2892	37	3	pension	pension	NOUN
ajbmeb-2892	37	4	in	in	ADP
ajbmeb-2892	37	5	years	year	NOUN
ajbmeb-2892	37	6	has	have	VERB
ajbmeb-2892	37	7	a	a	DET
ajbmeb-2892	37	8	min	min	NOUN
ajbmeb-2892	37	9	value	value	NOUN
ajbmeb-2892	37	10	of	of	ADP
ajbmeb-2892	37	11	0	0	NUM
ajbmeb-2892	37	12	and	and	CCONJ
ajbmeb-2892	37	13	max	max	PROPN
ajbmeb-2892	37	14	45	45	NUM
ajbmeb-2892	37	15	with	with	ADP
ajbmeb-2892	37	16	mean	mean	NOUN
ajbmeb-2892	37	17	of	of	ADP
ajbmeb-2892	37	18	11.30	11.30	NUM
ajbmeb-2892	37	19	and	and	CCONJ
ajbmeb-2892	37	20	standard	standard	ADJ
ajbmeb-2892	37	21	deviation	deviation	NOUN
ajbmeb-2892	37	22	of	of	ADP
ajbmeb-2892	37	23	9.51	9.51	NUM
ajbmeb-2892	37	24	.	.	PUNCT
ajbmeb-2892	38	1	also	also	ADV
ajbmeb-2892	38	2	,	,	PUNCT
ajbmeb-2892	38	3	kurtosis	kurtosis	NOUN
ajbmeb-2892	38	4	of	of	ADP
ajbmeb-2892	38	5	3.767	3.767	NUM
ajbmeb-2892	38	6	means	mean	NOUN
ajbmeb-2892	38	7	distributions	distribution	NOUN
ajbmeb-2892	38	8	is	be	AUX
ajbmeb-2892	38	9	almost	almost	ADV
ajbmeb-2892	38	10	normally	normally	ADV
ajbmeb-2892	38	11	distributed	distribute	VERB
ajbmeb-2892	38	12	with	with	ADP
ajbmeb-2892	38	13	positive	positive	ADJ
ajbmeb-2892	38	14	skewness	skewness	NOUN
ajbmeb-2892	38	15	of	of	ADP
ajbmeb-2892	38	16	1.13	1.13	NUM
ajbmeb-2892	38	17	.	.	PUNCT
ajbmeb-2892	39	1	education	education	NOUN
ajbmeb-2892	39	2	variables	variable	NOUN
ajbmeb-2892	39	3	is	be	AUX
ajbmeb-2892	39	4	about	about	ADP
ajbmeb-2892	39	5	the	the	DET
ajbmeb-2892	39	6	highest	high	ADJ
ajbmeb-2892	39	7	grade	grade	NOUN
ajbmeb-2892	39	8	completed	complete	VERB
ajbmeb-2892	39	9	having	have	VERB
ajbmeb-2892	39	10	min	min	NOUN
ajbmeb-2892	39	11	value	value	NOUN
ajbmeb-2892	39	12	of	of	ADP
ajbmeb-2892	39	13	8	8	NUM
ajbmeb-2892	39	14	with	with	ADP
ajbmeb-2892	39	15	highest	high	ADJ
ajbmeb-2892	39	16	of	of	ADP
ajbmeb-2892	39	17	18	18	NUM
ajbmeb-2892	39	18	.	.	PUNCT
ajbmeb-2892	40	1	it	it	PRON
ajbmeb-2892	40	2	has	have	VERB
ajbmeb-2892	40	3	a	a	DET
ajbmeb-2892	40	4	mean	mean	ADJ
ajbmeb-2892	40	5	value	value	NOUN
ajbmeb-2892	40	6	of	of	ADP
ajbmeb-2892	40	7	13.57	13.57	NUM
ajbmeb-2892	40	8	which	which	PRON
ajbmeb-2892	40	9	means	mean	VERB
ajbmeb-2892	40	10	people	people	NOUN
ajbmeb-2892	40	11	on	on	ADP
ajbmeb-2892	40	12	average	average	ADJ
ajbmeb-2892	40	13	have	have	AUX
ajbmeb-2892	40	14	completed	complete	VERB
ajbmeb-2892	40	15	sophomore	sophomore	NOUN
ajbmeb-2892	40	16	level	level	NOUN
ajbmeb-2892	40	17	in	in	ADP
ajbmeb-2892	40	18	the	the	DET
ajbmeb-2892	40	19	college	college	NOUN
ajbmeb-2892	40	20	.	.	PUNCT
ajbmeb-2892	41	1	it	it	PRON
ajbmeb-2892	41	2	has	have	VERB
ajbmeb-2892	41	3	kurtosis	kurtosis	NOUN
ajbmeb-2892	41	4	of	of	ADP
ajbmeb-2892	41	5	2.29	2.29	NUM
ajbmeb-2892	41	6	which	which	DET
ajbmeb-2892	41	7	platykurtic	platykurtic	ADJ
ajbmeb-2892	41	8	distribution	distribution	NOUN
ajbmeb-2892	41	9	with	with	ADP
ajbmeb-2892	41	10	skewness	skewness	NOUN
ajbmeb-2892	41	11	being	be	AUX
ajbmeb-2892	41	12	almost	almost	ADV
ajbmeb-2892	41	13	symmetrical	symmetrical	ADJ
ajbmeb-2892	41	14	with	with	ADP
ajbmeb-2892	41	15	the	the	DET
ajbmeb-2892	41	16	value	value	NOUN
ajbmeb-2892	41	17	of	of	ADP
ajbmeb-2892	41	18	0.3112	0.3112	NUM
ajbmeb-2892	41	19	.	.	PUNCT
ajbmeb-2892	42	1	finally	finally	ADV
ajbmeb-2892	42	2	,	,	PUNCT
ajbmeb-2892	42	3	wealth	wealth	NOUN
ajbmeb-2892	42	4	variable	variable	NOUN
ajbmeb-2892	42	5	measuring	measure	VERB
ajbmeb-2892	42	6	the	the	DET
ajbmeb-2892	42	7	net	net	ADJ
ajbmeb-2892	42	8	worth	worth	NOUN
ajbmeb-2892	42	9	of	of	ADP
ajbmeb-2892	42	10	194	194	NUM
ajbmeb-2892	42	11	participants	participant	NOUN
ajbmeb-2892	42	12	in	in	ADP
ajbmeb-2892	42	13	the	the	DET
ajbmeb-2892	42	14	dataset	dataset	NOUN
ajbmeb-2892	42	15	.	.	PUNCT
ajbmeb-2892	43	1	the	the	DET
ajbmeb-2892	43	2	person	person	NOUN
ajbmeb-2892	43	3	that	that	PRON
ajbmeb-2892	43	4	had	have	VERB
ajbmeb-2892	43	5	highest	high	ADJ
ajbmeb-2892	43	6	net	net	ADJ
ajbmeb-2892	43	7	worth	worth	NOUN
ajbmeb-2892	43	8	valued	value	VERB
ajbmeb-2892	43	9	at	at	ADP
ajbmeb-2892	43	10	1484.99	1484.99	NUM
ajbmeb-2892	43	11	and	and	CCONJ
ajbmeb-2892	43	12	with	with	ADP
ajbmeb-2892	43	13	lowest	low	ADJ
ajbmeb-2892	43	14	valued	value	VERB
ajbmeb-2892	43	15	at	at	ADP
ajbmeb-2892	43	16	-579.997	-579.997	PROPN
ajbmeb-2892	43	17	.	.	PUNCT
ajbmeb-2892	44	1	average	average	ADJ
ajbmeb-2892	44	2	person	person	NOUN
ajbmeb-2892	44	3	was	be	AUX
ajbmeb-2892	44	4	worth	worth	ADJ
ajbmeb-2892	44	5	of	of	ADP
ajbmeb-2892	44	6	207.37	207.37	NUM
ajbmeb-2892	44	7	with	with	ADP
ajbmeb-2892	44	8	standard	standard	ADJ
ajbmeb-2892	44	9	deviation	deviation	NOUN
ajbmeb-2892	44	10	251.23	251.23	NUM
ajbmeb-2892	44	11	.	.	PUNCT
ajbmeb-2892	45	1	kurtosis	kurtosis	NOUN
ajbmeb-2892	45	2	of	of	ADP
ajbmeb-2892	45	3	9.76	9.76	NUM
ajbmeb-2892	45	4	means	mean	VERB
ajbmeb-2892	45	5	leptokurtic	leptokurtic	ADJ
ajbmeb-2892	45	6	distribution	distribution	NOUN
ajbmeb-2892	45	7	with	with	ADP
ajbmeb-2892	45	8	extreme	extreme	ADJ
ajbmeb-2892	45	9	deviations	deviation	NOUN
ajbmeb-2892	45	10	and	and	CCONJ
ajbmeb-2892	45	11	skewness	skewness	NOUN
ajbmeb-2892	45	12	of	of	ADP
ajbmeb-2892	45	13	2.11	2.11	NUM
ajbmeb-2892	45	14	.	.	PUNCT
ajbmeb-2892	46	1	model	model	NOUN
ajbmeb-2892	46	2	results	result	VERB
ajbmeb-2892	46	3	the	the	DET
ajbmeb-2892	46	4	dependent	dependent	ADJ
ajbmeb-2892	46	5	variable	variable	NOUN
ajbmeb-2892	46	6	is	be	AUX
ajbmeb-2892	46	7	dummy	dummy	ADJ
ajbmeb-2892	46	8	variable	variable	NOUN
ajbmeb-2892	46	9	,	,	PUNCT
ajbmeb-2892	46	10	meaning	mean	VERB
ajbmeb-2892	46	11	percentage	percentage	NOUN
ajbmeb-2892	46	12	of	of	ADP
ajbmeb-2892	46	13	stock	stock	NOUN
ajbmeb-2892	46	14	ownership	ownership	NOUN
ajbmeb-2892	46	15	in	in	ADP
ajbmeb-2892	46	16	percentages	percentage	NOUN
ajbmeb-2892	46	17	,	,	PUNCT
ajbmeb-2892	46	18	thus	thus	ADV
ajbmeb-2892	46	19	we	we	PRON
ajbmeb-2892	46	20	faced	face	VERB
ajbmeb-2892	46	21	unboundedness	unboundedness	ADJ
ajbmeb-2892	46	22	problem	problem	NOUN
ajbmeb-2892	46	23	and	and	CCONJ
ajbmeb-2892	46	24	used	use	VERB
ajbmeb-2892	46	25	binomial	binomial	PROPN
ajbmeb-2892	46	26	logit	logit	PROPN
ajbmeb-2892	46	27	model	model	NOUN
ajbmeb-2892	46	28	to	to	PART
ajbmeb-2892	46	29	mitigate	mitigate	VERB
ajbmeb-2892	46	30	it	it	PRON
ajbmeb-2892	46	31	.	.	PUNCT
ajbmeb-2892	47	1	variables	variable	NOUN
ajbmeb-2892	47	2	signs	sign	NOUN
ajbmeb-2892	47	3	are	be	AUX
ajbmeb-2892	47	4	similar	similar	ADJ
ajbmeb-2892	47	5	to	to	ADP
ajbmeb-2892	47	6	what	what	PRON
ajbmeb-2892	47	7	has	have	AUX
ajbmeb-2892	47	8	been	be	AUX
ajbmeb-2892	47	9	expected	expect	VERB
ajbmeb-2892	47	10	.	.	PUNCT
ajbmeb-2892	48	1	american	american	PROPN
ajbmeb-2892	48	2	journal	journal	PROPN
ajbmeb-2892	48	3	of	of	ADP
ajbmeb-2892	48	4	business	business	NOUN
ajbmeb-2892	48	5	management	management	NOUN
ajbmeb-2892	48	6	,	,	PUNCT
ajbmeb-2892	48	7	economics	economic	NOUN
ajbmeb-2892	48	8	and	and	CCONJ
ajbmeb-2892	48	9	banking	banking	NOUN
ajbmeb-2892	48	10	volume	volume	NOUN
ajbmeb-2892	48	11	35	35	NUM
ajbmeb-2892	48	12	april	april	PROPN
ajbmeb-2892	48	13	2025	2025	NUM
ajbmeb-2892	48	14	p	p	NOUN
ajbmeb-2892	49	1	a	a	DET
ajbmeb-2892	49	2	g	g	NOUN
ajbmeb-2892	49	3	e	e	NOUN
ajbmeb-2892	49	4	|	|	ADV
ajbmeb-2892	49	5	143	143	PRON
ajbmeb-2892	49	6	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2892	49	7	coefficient	coefficient	NOUN
ajbmeb-2892	49	8	estimates	estimate	NOUN
ajbmeb-2892	49	9	can	can	AUX
ajbmeb-2892	49	10	not	not	PART
ajbmeb-2892	49	11	be	be	AUX
ajbmeb-2892	49	12	trusted	trust	VERB
ajbmeb-2892	49	13	,	,	PUNCT
ajbmeb-2892	49	14	we	we	PRON
ajbmeb-2892	49	15	calculated	calculate	VERB
ajbmeb-2892	49	16	average	average	ADJ
ajbmeb-2892	49	17	marginal	marginal	ADJ
ajbmeb-2892	49	18	effects	effect	NOUN
ajbmeb-2892	49	19	.	.	PUNCT
ajbmeb-2892	50	1	test	test	NOUN
ajbmeb-2892	50	2	for	for	ADP
ajbmeb-2892	50	3	multicollinearity	multicollinearity	NOUN
ajbmeb-2892	50	4	since	since	SCONJ
ajbmeb-2892	50	5	this	this	DET
ajbmeb-2892	50	6	model	model	NOUN
ajbmeb-2892	50	7	is	be	AUX
ajbmeb-2892	50	8	non	non	ADJ
ajbmeb-2892	50	9	-	-	ADJ
ajbmeb-2892	50	10	linear	linear	ADJ
ajbmeb-2892	50	11	,	,	PUNCT
ajbmeb-2892	50	12	vif	vif	PROPN
ajbmeb-2892	50	13	uncentered	uncentered	ADJ
ajbmeb-2892	50	14	model	model	NOUN
ajbmeb-2892	50	15	used	use	VERB
ajbmeb-2892	50	16	to	to	PART
ajbmeb-2892	50	17	detect	detect	VERB
ajbmeb-2892	50	18	multicollinearity	multicollinearity	NOUN
ajbmeb-2892	50	19	between	between	ADP
ajbmeb-2892	50	20	variables	variable	NOUN
ajbmeb-2892	50	21	.	.	PUNCT
ajbmeb-2892	51	1	we	we	PRON
ajbmeb-2892	51	2	detected	detect	VERB
ajbmeb-2892	51	3	significant	significant	ADJ
ajbmeb-2892	51	4	multicollinearity	multicollinearity	NOUN
ajbmeb-2892	51	5	since	since	SCONJ
ajbmeb-2892	51	6	both	both	PRON
ajbmeb-2892	51	7	are	be	AUX
ajbmeb-2892	51	8	greater	great	ADJ
ajbmeb-2892	51	9	than	than	ADP
ajbmeb-2892	51	10	10	10	NUM
ajbmeb-2892	51	11	between	between	ADP
ajbmeb-2892	51	12	age	age	NOUN
ajbmeb-2892	51	13	and	and	CCONJ
ajbmeb-2892	51	14	education	education	NOUN
ajbmeb-2892	51	15	explanatory	explanatory	ADJ
ajbmeb-2892	51	16	variables	variable	NOUN
ajbmeb-2892	51	17	.	.	PUNCT
ajbmeb-2892	52	1	the	the	DET
ajbmeb-2892	52	2	course	course	NOUN
ajbmeb-2892	52	3	of	of	ADP
ajbmeb-2892	52	4	action	action	NOUN
ajbmeb-2892	52	5	taken	take	VERB
ajbmeb-2892	52	6	was	be	AUX
ajbmeb-2892	52	7	to	to	PART
ajbmeb-2892	52	8	drop	drop	VERB
ajbmeb-2892	52	9	education	education	NOUN
ajbmeb-2892	52	10	variable	variable	NOUN
ajbmeb-2892	52	11	.	.	PUNCT
ajbmeb-2892	53	1	american	american	ADJ
ajbmeb-2892	53	2	journal	journal	PROPN
ajbmeb-2892	53	3	of	of	ADP
ajbmeb-2892	53	4	business	business	NOUN
ajbmeb-2892	53	5	management	management	NOUN
ajbmeb-2892	53	6	,	,	PUNCT
ajbmeb-2892	53	7	economics	economic	NOUN
ajbmeb-2892	53	8	and	and	CCONJ
ajbmeb-2892	53	9	banking	banking	NOUN
ajbmeb-2892	53	10	volume	volume	NOUN
ajbmeb-2892	53	11	35	35	NUM
ajbmeb-2892	53	12	april	april	PROPN
ajbmeb-2892	53	13	2025	2025	NUM
ajbmeb-2892	53	14	p	p	NOUN
ajbmeb-2892	53	15	a	a	DET
ajbmeb-2892	53	16	g	g	NOUN
ajbmeb-2892	53	17	e	e	NOUN
ajbmeb-2892	53	18	|	|	NOUN
ajbmeb-2892	53	19	144	144	NUM
ajbmeb-2892	53	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2892	53	21	before	before	ADP
ajbmeb-2892	53	22	after	after	ADP
ajbmeb-2892	53	23	test	test	NOUN
ajbmeb-2892	53	24	for	for	ADP
ajbmeb-2892	53	25	heteroskedasticity	heteroskedasticity	NOUN
ajbmeb-2892	53	26	the	the	DET
ajbmeb-2892	53	27	breusch	breusch	ADV
ajbmeb-2892	53	28	-	-	PUNCT
ajbmeb-2892	53	29	pagan	pagan	ADJ
ajbmeb-2892	53	30	test	test	NOUN
ajbmeb-2892	53	31	was	be	AUX
ajbmeb-2892	53	32	used	use	VERB
ajbmeb-2892	53	33	to	to	PART
ajbmeb-2892	53	34	determine	determine	VERB
ajbmeb-2892	53	35	heteroskedasticity	heteroskedasticity	NOUN
ajbmeb-2892	53	36	.	.	PUNCT
ajbmeb-2892	54	1	calculated	calculate	VERB
ajbmeb-2892	54	2	test	test	NOUN
ajbmeb-2892	54	3	-	-	PUNCT
ajbmeb-2892	54	4	statistic	statistic	NOUN
ajbmeb-2892	54	5	was	be	AUX
ajbmeb-2892	54	6	33.58	33.58	NUM
ajbmeb-2892	54	7	which	which	PRON
ajbmeb-2892	54	8	is	be	AUX
ajbmeb-2892	54	9	higher	high	ADJ
ajbmeb-2892	54	10	than	than	ADP
ajbmeb-2892	54	11	critical	critical	ADJ
ajbmeb-2892	54	12	value	value	NOUN
ajbmeb-2892	54	13	of	of	ADP
ajbmeb-2892	54	14	chi	chi	NOUN
ajbmeb-2892	54	15	-	-	PUNCT
ajbmeb-2892	54	16	squared	square	VERB
ajbmeb-2892	54	17	(	(	PUNCT
ajbmeb-2892	54	18	11.0705	11.0705	NUM
ajbmeb-2892	54	19	)	)	PUNCT
ajbmeb-2892	54	20	table	table	NOUN
ajbmeb-2892	54	21	on	on	ADP
ajbmeb-2892	54	22	5	5	NUM
ajbmeb-2892	54	23	percent	percent	NOUN
ajbmeb-2892	54	24	significance	significance	NOUN
ajbmeb-2892	54	25	level	level	NOUN
ajbmeb-2892	54	26	with	with	ADP
ajbmeb-2892	54	27	two	two	NUM
ajbmeb-2892	54	28	tailed	tail	VERB
ajbmeb-2892	54	29	.	.	PUNCT
ajbmeb-2892	55	1	thus	thus	ADV
ajbmeb-2892	55	2	,	,	PUNCT
ajbmeb-2892	55	3	we	we	PRON
ajbmeb-2892	55	4	reject	reject	VERB
ajbmeb-2892	55	5	the	the	DET
ajbmeb-2892	55	6	null	null	ADJ
ajbmeb-2892	55	7	hypothesis	hypothesis	NOUN
ajbmeb-2892	55	8	that	that	PRON
ajbmeb-2892	55	9	no	no	DET
ajbmeb-2892	55	10	heteroskedasticity	heteroskedasticity	NOUN
ajbmeb-2892	55	11	.	.	PUNCT
ajbmeb-2892	56	1	to	to	PART
ajbmeb-2892	56	2	adjust	adjust	VERB
ajbmeb-2892	56	3	the	the	DET
ajbmeb-2892	56	4	heteroskedasticity	heteroskedasticity	NOUN
ajbmeb-2892	56	5	problem	problem	NOUN
ajbmeb-2892	56	6	,	,	PUNCT
ajbmeb-2892	56	7	we	we	PRON
ajbmeb-2892	56	8	used	use	VERB
ajbmeb-2892	56	9	heteroskedasticity	heteroskedasticity	NOUN
ajbmeb-2892	56	10	-	-	PUNCT
ajbmeb-2892	56	11	corrected	correct	VERB
ajbmeb-2892	56	12	(	(	PUNCT
ajbmeb-2892	56	13	hc	hc	NOUN
ajbmeb-2892	56	14	)	)	PUNCT
ajbmeb-2892	56	15	standard	standard	ADJ
ajbmeb-2892	56	16	errors	error	NOUN
ajbmeb-2892	56	17	.	.	PUNCT
ajbmeb-2892	57	1	even	even	ADV
ajbmeb-2892	57	2	though	though	SCONJ
ajbmeb-2892	57	3	hc	hc	PRON
ajbmeb-2892	57	4	standard	standard	ADJ
ajbmeb-2892	57	5	errors	error	NOUN
ajbmeb-2892	57	6	are	be	AUX
ajbmeb-2892	57	7	biased	bias	VERB
ajbmeb-2892	57	8	upward	upward	ADV
ajbmeb-2892	57	9	due	due	ADP
ajbmeb-2892	57	10	to	to	ADP
ajbmeb-2892	57	11	the	the	DET
ajbmeb-2892	57	12	intentional	intentional	ADJ
ajbmeb-2892	57	13	adjustment	adjustment	NOUN
ajbmeb-2892	57	14	,	,	PUNCT
ajbmeb-2892	57	15	they	they	PRON
ajbmeb-2892	57	16	should	should	AUX
ajbmeb-2892	57	17	be	be	AUX
ajbmeb-2892	57	18	more	more	ADV
ajbmeb-2892	57	19	accurate	accurate	ADJ
ajbmeb-2892	57	20	,	,	PUNCT
ajbmeb-2892	57	21	improving	improve	VERB
ajbmeb-2892	57	22	the	the	DET
ajbmeb-2892	57	23	accuracy	accuracy	NOUN
ajbmeb-2892	57	24	of	of	ADP
ajbmeb-2892	57	25	hypothesis	hypothesis	NOUN
ajbmeb-2892	57	26	testing	testing	NOUN
ajbmeb-2892	57	27	and	and	CCONJ
ajbmeb-2892	57	28	statistical	statistical	ADJ
ajbmeb-2892	57	29	inference	inference	NOUN
ajbmeb-2892	57	30	.	.	PUNCT
ajbmeb-2892	58	1	american	american	PROPN
ajbmeb-2892	58	2	journal	journal	PROPN
ajbmeb-2892	58	3	of	of	ADP
ajbmeb-2892	58	4	business	business	NOUN
ajbmeb-2892	58	5	management	management	NOUN
ajbmeb-2892	58	6	,	,	PUNCT
ajbmeb-2892	58	7	economics	economic	NOUN
ajbmeb-2892	58	8	and	and	CCONJ
ajbmeb-2892	58	9	banking	banking	NOUN
ajbmeb-2892	58	10	volume	volume	NOUN
ajbmeb-2892	58	11	35	35	NUM
ajbmeb-2892	58	12	april	april	PROPN
ajbmeb-2892	58	13	2025	2025	NUM
ajbmeb-2892	58	14	p	p	NOUN
ajbmeb-2892	59	1	a	a	DET
ajbmeb-2892	59	2	g	g	NOUN
ajbmeb-2892	59	3	e	e	NOUN
ajbmeb-2892	59	4	|	|	NOUN
ajbmeb-2892	59	5	145	145	NUM
ajbmeb-2892	59	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2892	59	7	interpretation	interpretation	NOUN
ajbmeb-2892	59	8	of	of	ADP
ajbmeb-2892	59	9	results	result	NOUN
ajbmeb-2892	59	10	coefficient	coefficient	VERB
ajbmeb-2892	59	11	signs	sign	NOUN
ajbmeb-2892	59	12	and	and	CCONJ
ajbmeb-2892	59	13	results	result	NOUN
ajbmeb-2892	59	14	were	be	AUX
ajbmeb-2892	59	15	as	as	SCONJ
ajbmeb-2892	59	16	expected	expect	VERB
ajbmeb-2892	59	17	.	.	PUNCT
ajbmeb-2892	60	1	wealth	wealth	NOUN
ajbmeb-2892	60	2	factor	factor	NOUN
ajbmeb-2892	60	3	being	be	AUX
ajbmeb-2892	60	4	quite	quite	ADV
ajbmeb-2892	60	5	significant	significant	ADJ
ajbmeb-2892	60	6	,	,	PUNCT
ajbmeb-2892	60	7	we	we	PRON
ajbmeb-2892	60	8	can	can	AUX
ajbmeb-2892	60	9	expect	expect	VERB
ajbmeb-2892	60	10	it	it	PRON
ajbmeb-2892	60	11	to	to	PART
ajbmeb-2892	60	12	have	have	VERB
ajbmeb-2892	60	13	huge	huge	ADJ
ajbmeb-2892	60	14	impact	impact	NOUN
ajbmeb-2892	60	15	on	on	ADP
ajbmeb-2892	60	16	the	the	DET
ajbmeb-2892	60	17	stock	stock	NOUN
ajbmeb-2892	60	18	ownership	ownership	NOUN
ajbmeb-2892	60	19	in	in	ADP
ajbmeb-2892	60	20	the	the	DET
ajbmeb-2892	60	21	pension	pension	NOUN
ajbmeb-2892	60	22	portfolio	portfolio	NOUN
ajbmeb-2892	60	23	.	.	PUNCT
ajbmeb-2892	61	1	however	however	ADV
ajbmeb-2892	61	2	,	,	PUNCT
ajbmeb-2892	61	3	all	all	DET
ajbmeb-2892	61	4	other	other	ADJ
ajbmeb-2892	61	5	variables	variable	NOUN
ajbmeb-2892	61	6	also	also	ADV
ajbmeb-2892	61	7	were	be	AUX
ajbmeb-2892	61	8	expected	expect	VERB
ajbmeb-2892	61	9	to	to	PART
ajbmeb-2892	61	10	be	be	AUX
ajbmeb-2892	61	11	significant	significant	ADJ
ajbmeb-2892	61	12	,	,	PUNCT
ajbmeb-2892	61	13	they	they	PRON
ajbmeb-2892	61	14	were	be	AUX
ajbmeb-2892	61	15	not	not	PART
ajbmeb-2892	61	16	.	.	PUNCT
ajbmeb-2892	62	1	multicollinearity	multicollinearity	NOUN
ajbmeb-2892	62	2	and	and	CCONJ
ajbmeb-2892	62	3	heteroskedasticity	heteroskedasticity	NOUN
ajbmeb-2892	62	4	problems	problem	NOUN
ajbmeb-2892	62	5	were	be	AUX
ajbmeb-2892	62	6	detected	detect	VERB
ajbmeb-2892	62	7	but	but	CCONJ
ajbmeb-2892	62	8	dropping	drop	VERB
ajbmeb-2892	62	9	the	the	DET
ajbmeb-2892	62	10	extra	extra	ADJ
ajbmeb-2892	62	11	independent	independent	ADJ
ajbmeb-2892	62	12	variable	variable	ADJ
ajbmeb-2892	62	13	variable	variable	NOUN
ajbmeb-2892	62	14	and	and	CCONJ
ajbmeb-2892	62	15	using	use	VERB
ajbmeb-2892	62	16	the	the	DET
ajbmeb-2892	62	17	heteroskedasticitycorrected	heteroskedasticitycorrecte	VERB
ajbmeb-2892	62	18	(	(	PUNCT
ajbmeb-2892	62	19	hc	hc	NOUN
ajbmeb-2892	62	20	)	)	PUNCT
ajbmeb-2892	62	21	standard	standard	ADJ
ajbmeb-2892	62	22	errors	error	NOUN
ajbmeb-2892	62	23	approaches	approach	NOUN
ajbmeb-2892	62	24	,	,	PUNCT
ajbmeb-2892	62	25	the	the	DET
ajbmeb-2892	62	26	model	model	NOUN
ajbmeb-2892	62	27	was	be	AUX
ajbmeb-2892	62	28	effectively	effectively	ADV
ajbmeb-2892	62	29	adjusted	adjust	VERB
ajbmeb-2892	62	30	for	for	ADP
ajbmeb-2892	62	31	both	both	DET
ajbmeb-2892	62	32	problems	problem	NOUN
ajbmeb-2892	62	33	.	.	PUNCT
ajbmeb-2892	63	1	summary	summary	NOUN
ajbmeb-2892	63	2	in	in	ADP
ajbmeb-2892	63	3	order	order	NOUN
ajbmeb-2892	63	4	to	to	PART
ajbmeb-2892	63	5	capture	capture	VERB
ajbmeb-2892	63	6	the	the	DET
ajbmeb-2892	63	7	effects	effect	NOUN
ajbmeb-2892	63	8	on	on	ADP
ajbmeb-2892	63	9	the	the	DET
ajbmeb-2892	63	10	inclusion	inclusion	NOUN
ajbmeb-2892	63	11	of	of	ADP
ajbmeb-2892	63	12	stock	stock	NOUN
ajbmeb-2892	63	13	investments	investment	NOUN
ajbmeb-2892	63	14	in	in	ADP
ajbmeb-2892	63	15	the	the	DET
ajbmeb-2892	63	16	pension	pension	NOUN
ajbmeb-2892	63	17	portfolio	portfolio	NOUN
ajbmeb-2892	63	18	,	,	PUNCT
ajbmeb-2892	63	19	the	the	DET
ajbmeb-2892	63	20	main	main	ADJ
ajbmeb-2892	63	21	questions	question	NOUN
ajbmeb-2892	63	22	examined	examine	VERB
ajbmeb-2892	63	23	were	be	AUX
ajbmeb-2892	63	24	how	how	SCONJ
ajbmeb-2892	63	25	age	age	NOUN
ajbmeb-2892	63	26	,	,	PUNCT
ajbmeb-2892	63	27	asset	asset	NOUN
ajbmeb-2892	63	28	allocation	allocation	NOUN
ajbmeb-2892	63	29	choice	choice	NOUN
ajbmeb-2892	63	30	,	,	PUNCT
ajbmeb-2892	63	31	and	and	CCONJ
ajbmeb-2892	63	32	profit	profit	NOUN
ajbmeb-2892	63	33	sharing	sharing	NOUN
ajbmeb-2892	63	34	plan	plan	NOUN
ajbmeb-2892	63	35	,	,	PUNCT
ajbmeb-2892	63	36	age	age	NOUN
ajbmeb-2892	63	37	,	,	PUNCT
ajbmeb-2892	63	38	years	year	NOUN
ajbmeb-2892	63	39	in	in	ADP
ajbmeb-2892	63	40	pension	pension	NOUN
ajbmeb-2892	63	41	and	and	CCONJ
ajbmeb-2892	63	42	wealth	wealth	NOUN
ajbmeb-2892	63	43	affect	affect	VERB
ajbmeb-2892	63	44	pension	pension	NOUN
ajbmeb-2892	63	45	decisions	decision	NOUN
ajbmeb-2892	63	46	.	.	PUNCT
ajbmeb-2892	64	1	this	this	DET
ajbmeb-2892	64	2	study	study	NOUN
ajbmeb-2892	64	3	attempted	attempt	VERB
ajbmeb-2892	64	4	to	to	PART
ajbmeb-2892	64	5	depict	depict	VERB
ajbmeb-2892	64	6	the	the	DET
ajbmeb-2892	64	7	inclusion	inclusion	NOUN
ajbmeb-2892	64	8	of	of	ADP
ajbmeb-2892	64	9	stocks	stock	NOUN
ajbmeb-2892	64	10	in	in	ADP
ajbmeb-2892	64	11	the	the	DET
ajbmeb-2892	64	12	portfolio	portfolio	NOUN
ajbmeb-2892	64	13	as	as	ADP
ajbmeb-2892	64	14	the	the	DET
ajbmeb-2892	64	15	determinant	determinant	NOUN
ajbmeb-2892	64	16	of	of	ADP
ajbmeb-2892	64	17	risk	risk	NOUN
ajbmeb-2892	64	18	aversion	aversion	NOUN
ajbmeb-2892	64	19	during	during	ADP
ajbmeb-2892	64	20	the	the	DET
ajbmeb-2892	64	21	pension	pension	NOUN
ajbmeb-2892	64	22	plan	plan	NOUN
ajbmeb-2892	64	23	because	because	SCONJ
ajbmeb-2892	64	24	equities	equity	NOUN
ajbmeb-2892	64	25	are	be	AUX
ajbmeb-2892	64	26	regarded	regard	VERB
ajbmeb-2892	64	27	as	as	ADP
ajbmeb-2892	64	28	hazardous	hazardous	ADJ
ajbmeb-2892	64	29	assets	asset	NOUN
ajbmeb-2892	64	30	.	.	PUNCT
ajbmeb-2892	65	1	as	as	ADP
ajbmeb-2892	65	2	a	a	DET
ajbmeb-2892	65	3	result	result	NOUN
ajbmeb-2892	65	4	,	,	PUNCT
ajbmeb-2892	65	5	wealthier	wealthy	ADJ
ajbmeb-2892	65	6	individuals	individual	NOUN
ajbmeb-2892	65	7	tended	tend	VERB
ajbmeb-2892	65	8	to	to	PART
ajbmeb-2892	65	9	invest	invest	VERB
ajbmeb-2892	65	10	a	a	DET
ajbmeb-2892	65	11	larger	large	ADJ
ajbmeb-2892	65	12	percentage	percentage	NOUN
ajbmeb-2892	65	13	of	of	ADP
ajbmeb-2892	65	14	their	their	PRON
ajbmeb-2892	65	15	pension	pension	NOUN
ajbmeb-2892	65	16	account	account	NOUN
ajbmeb-2892	65	17	in	in	ADP
ajbmeb-2892	65	18	equities	equity	NOUN
ajbmeb-2892	65	19	which	which	PRON
ajbmeb-2892	65	20	showed	show	VERB
ajbmeb-2892	65	21	lower	low	ADJ
ajbmeb-2892	65	22	risk	risk	NOUN
ajbmeb-2892	65	23	aversion	aversion	NOUN
ajbmeb-2892	65	24	.	.	PUNCT
ajbmeb-2892	66	1	references	reference	NOUN
ajbmeb-2892	66	2	1	1	NUM
ajbmeb-2892	66	3	-	-	PUNCT
ajbmeb-2892	66	4	papke	papke	ADJ
ajbmeb-2892	66	5	,	,	PUNCT
ajbmeb-2892	66	6	leslie	leslie	PROPN
ajbmeb-2892	66	7	e.	e.	PROPN
ajbmeb-2892	66	8	"	"	PUNCT
ajbmeb-2892	66	9	individual	individual	ADJ
ajbmeb-2892	66	10	financial	financial	ADJ
ajbmeb-2892	66	11	decisions	decision	NOUN
ajbmeb-2892	66	12	in	in	ADP
ajbmeb-2892	66	13	retirement	retirement	NOUN
ajbmeb-2892	66	14	plans	plan	NOUN
ajbmeb-2892	66	15	:	:	PUNCT
ajbmeb-2892	66	16	the	the	DET
ajbmeb-2892	66	17	role	role	NOUN
ajbmeb-2892	66	18	of	of	ADP
ajbmeb-2892	66	19	participantdirection	participantdirection	NOUN
ajbmeb-2892	66	20	.	.	PUNCT
ajbmeb-2892	66	21	"	"	PUNCT
ajbmeb-2892	67	1	journal	journal	NOUN
ajbmeb-2892	67	2	of	of	ADP
ajbmeb-2892	67	3	public	public	ADJ
ajbmeb-2892	67	4	economics	economic	NOUN
ajbmeb-2892	67	5	,	,	PUNCT
ajbmeb-2892	67	6	vol	vol	NOUN
ajbmeb-2892	67	7	.	.	PROPN
ajbmeb-2892	67	8	88	88	NUM
ajbmeb-2892	67	9	,	,	PUNCT
ajbmeb-2892	67	10	no	no	INTJ
ajbmeb-2892	67	11	.	.	PUNCT
ajbmeb-2892	68	1	1–2	1–2	NUM
ajbmeb-2892	68	2	,	,	PUNCT
ajbmeb-2892	68	3	2003	2003	NUM
ajbmeb-2892	68	4	,	,	PUNCT
ajbmeb-2892	68	5	pp	pp	ADV
ajbmeb-2892	68	6	.	.	PUNCT
ajbmeb-2892	69	1	39–61	39–61	NUM
ajbmeb-2892	69	2	.	.	X
ajbmeb-2892	70	1	2	2	NUM
ajbmeb-2892	70	2	-	-	PUNCT
ajbmeb-2892	70	3	dohmen	dohman	NOUN
ajbmeb-2892	70	4	,	,	PUNCT
ajbmeb-2892	70	5	thomas	thomas	PROPN
ajbmeb-2892	70	6	,	,	PUNCT
ajbmeb-2892	70	7	et	et	PROPN
ajbmeb-2892	70	8	al	al	PROPN
ajbmeb-2892	70	9	.	.	PUNCT
ajbmeb-2892	71	1	"	"	PUNCT
ajbmeb-2892	71	2	risk	risk	NOUN
ajbmeb-2892	71	3	attitudes	attitude	NOUN
ajbmeb-2892	71	4	across	across	ADP
ajbmeb-2892	71	5	the	the	DET
ajbmeb-2892	71	6	life	life	NOUN
ajbmeb-2892	71	7	course	course	NOUN
ajbmeb-2892	71	8	.	.	PUNCT
ajbmeb-2892	71	9	"	"	PUNCT
ajbmeb-2892	72	1	journal	journal	NOUN
ajbmeb-2892	72	2	of	of	ADP
ajbmeb-2892	72	3	the	the	DET
ajbmeb-2892	72	4	european	european	PROPN
ajbmeb-2892	72	5	economic	economic	PROPN
ajbmeb-2892	72	6	association	association	PROPN
ajbmeb-2892	72	7	,	,	PUNCT
ajbmeb-2892	72	8	vol	vol	NOUN
ajbmeb-2892	72	9	.	.	PROPN
ajbmeb-2892	72	10	15	15	NUM
ajbmeb-2892	72	11	,	,	PUNCT
ajbmeb-2892	72	12	no	no	INTJ
ajbmeb-2892	72	13	.	.	NOUN
ajbmeb-2892	72	14	4	4	NUM
ajbmeb-2892	72	15	,	,	PUNCT
ajbmeb-2892	72	16	2017	2017	NUM
ajbmeb-2892	72	17	,	,	PUNCT
ajbmeb-2892	72	18	pp	pp	ADJ
ajbmeb-2892	72	19	.	.	PUNCT
ajbmeb-2892	73	1	745–784	745–784	NUM
ajbmeb-2892	73	2	.	.	PUNCT
ajbmeb-2892	73	3	3	3	NUM
ajbmeb-2892	73	4	-	-	PUNCT
ajbmeb-2892	73	5	schurer	schurer	NOUN
ajbmeb-2892	73	6	,	,	PUNCT
ajbmeb-2892	73	7	stefanie	stefanie	PROPN
ajbmeb-2892	73	8	.	.	PUNCT
ajbmeb-2892	74	1	"	"	PUNCT
ajbmeb-2892	74	2	lifecycle	lifecycle	NOUN
ajbmeb-2892	74	3	patterns	pattern	NOUN
ajbmeb-2892	74	4	in	in	ADP
ajbmeb-2892	74	5	the	the	DET
ajbmeb-2892	74	6	socioeconomic	socioeconomic	ADJ
ajbmeb-2892	74	7	gradient	gradient	NOUN
ajbmeb-2892	74	8	of	of	ADP
ajbmeb-2892	74	9	risk	risk	NOUN
ajbmeb-2892	74	10	preferences	preference	NOUN
ajbmeb-2892	74	11	.	.	PUNCT
ajbmeb-2892	74	12	"	"	PUNCT
ajbmeb-2892	75	1	journal	journal	NOUN
ajbmeb-2892	75	2	of	of	ADP
ajbmeb-2892	75	3	economic	economic	ADJ
ajbmeb-2892	75	4	behavior	behavior	NOUN
ajbmeb-2892	75	5	&	&	CCONJ
ajbmeb-2892	75	6	organization	organization	PROPN
ajbmeb-2892	75	7	,	,	PUNCT
ajbmeb-2892	75	8	vol	vol	NOUN
ajbmeb-2892	75	9	.	.	PROPN
ajbmeb-2892	75	10	119	119	NUM
ajbmeb-2892	75	11	,	,	PUNCT
ajbmeb-2892	75	12	2015	2015	NUM
ajbmeb-2892	75	13	,	,	PUNCT
ajbmeb-2892	75	14	pp	pp	ADJ
ajbmeb-2892	75	15	.	.	PUNCT
ajbmeb-2892	76	1	482–495	482–495	NUM
ajbmeb-2892	76	2	.	.	NOUN
ajbmeb-2892	77	1	4	4	NUM
ajbmeb-2892	77	2	-	-	PUNCT
ajbmeb-2892	77	3	dohmen	dohman	NOUN
ajbmeb-2892	77	4	,	,	PUNCT
ajbmeb-2892	77	5	thomas	thomas	PROPN
ajbmeb-2892	77	6	,	,	PUNCT
ajbmeb-2892	77	7	et	et	PROPN
ajbmeb-2892	77	8	al	al	PROPN
ajbmeb-2892	77	9	.	.	PUNCT
ajbmeb-2892	78	1	"	"	PUNCT
ajbmeb-2892	78	2	individual	individual	ADJ
ajbmeb-2892	78	3	risk	risk	NOUN
ajbmeb-2892	78	4	attitudes	attitude	NOUN
ajbmeb-2892	78	5	:	:	PUNCT
ajbmeb-2892	78	6	measurement	measurement	NOUN
ajbmeb-2892	78	7	,	,	PUNCT
ajbmeb-2892	78	8	determinants	determinant	NOUN
ajbmeb-2892	78	9	,	,	PUNCT
ajbmeb-2892	78	10	and	and	CCONJ
ajbmeb-2892	78	11	behavioral	behavioral	ADJ
ajbmeb-2892	78	12	consequences	consequence	NOUN
ajbmeb-2892	78	13	.	.	PUNCT
ajbmeb-2892	78	14	"	"	PUNCT
ajbmeb-2892	79	1	journal	journal	NOUN
ajbmeb-2892	79	2	of	of	ADP
ajbmeb-2892	79	3	the	the	DET
ajbmeb-2892	79	4	european	european	PROPN
ajbmeb-2892	79	5	economic	economic	PROPN
ajbmeb-2892	79	6	association	association	PROPN
ajbmeb-2892	79	7	,	,	PUNCT
ajbmeb-2892	79	8	vol	vol	NOUN
ajbmeb-2892	79	9	.	.	PROPN
ajbmeb-2892	79	10	9	9	NUM
ajbmeb-2892	79	11	,	,	PUNCT
ajbmeb-2892	79	12	no	no	INTJ
ajbmeb-2892	79	13	.	.	NOUN
ajbmeb-2892	79	14	3	3	NUM
ajbmeb-2892	79	15	,	,	PUNCT
ajbmeb-2892	79	16	2011	2011	NUM
ajbmeb-2892	79	17	,	,	PUNCT
ajbmeb-2892	79	18	pp	pp	ADV
ajbmeb-2892	79	19	.	.	PUNCT
ajbmeb-2892	80	1	522–550	522–550	NUM
ajbmeb-2892	80	2	5	5	NUM
ajbmeb-2892	80	3	-	-	PUNCT
ajbmeb-2892	80	4	arrow	arrow	NOUN
ajbmeb-2892	80	5	,	,	PUNCT
ajbmeb-2892	80	6	k.	k.	PROPN
ajbmeb-2892	80	7	j.	j.	PROPN
ajbmeb-2892	80	8	(	(	PUNCT
ajbmeb-2892	80	9	1971	1971	NUM
ajbmeb-2892	80	10	)	)	PUNCT
ajbmeb-2892	80	11	.	.	PUNCT
ajbmeb-2892	81	1	essays	essay	NOUN
ajbmeb-2892	81	2	in	in	ADP
ajbmeb-2892	81	3	the	the	DET
ajbmeb-2892	81	4	theory	theory	NOUN
ajbmeb-2892	81	5	of	of	ADP
ajbmeb-2892	81	6	risk	risk	NOUN
ajbmeb-2892	81	7	-	-	PUNCT
ajbmeb-2892	81	8	bearing	bearing	NOUN
ajbmeb-2892	81	9	.	.	PUNCT
ajbmeb-2892	82	1	north	north	NOUN
ajbmeb-2892	82	2	-	-	PUNCT
ajbmeb-2892	82	3	holland	holland	PROPN
ajbmeb-2892	82	4	publishing	publishing	PROPN
ajbmeb-2892	82	5	company	company	NOUN
ajbmeb-2892	82	6	.	.	PUNCT